id	sid	tid	token	lemma	pos
framr-1728	1	1	1	1	NUM
framr-1728	1	2	©	©	PROPN
framr-1728	1	3	2019	2019	NUM
framr-1728	1	4	conscientia	conscientia	PROPN
framr-1728	1	5	beam	beam	PROPN
framr-1728	1	6	.	.	PUNCT
framr-1728	2	1	all	all	DET
framr-1728	2	2	rights	right	NOUN
framr-1728	2	3	reserved	reserve	VERB
framr-1728	2	4	.	.	PUNCT
framr-1728	3	1	profitability	profitability	NOUN
framr-1728	3	2	of	of	ADP
framr-1728	3	3	commercial	commercial	ADJ
framr-1728	3	4	bank	bank	NOUN
framr-1728	3	5	on	on	ADP
framr-1728	3	6	interest	interest	NOUN
framr-1728	3	7	rate	rate	NOUN
framr-1728	3	8	deregulation	deregulation	NOUN
framr-1728	3	9	tijjani	tijjani	NOUN
framr-1728	3	10	muhammad1	muhammad1	PROPN
framr-1728	3	11	+	+	CCONJ
framr-1728	3	12	abatcha	abatcha	ADJ
framr-1728	3	13	melemi2	melemi2	PROPN
framr-1728	3	14	1department	1department	NUM
framr-1728	3	15	of	of	ADP
framr-1728	3	16	islamic	islamic	ADJ
framr-1728	3	17	studies	study	NOUN
framr-1728	3	18	,	,	PUNCT
framr-1728	3	19	(	(	PUNCT
framr-1728	3	20	islamic	islamic	ADJ
framr-1728	3	21	banking	banking	NOUN
framr-1728	3	22	and	and	CCONJ
framr-1728	3	23	finance	finance	NOUN
framr-1728	3	24	)	)	PUNCT
framr-1728	3	25	federal	federal	ADJ
framr-1728	3	26	university	university	PROPN
framr-1728	3	27	,	,	PUNCT
framr-1728	3	28	gashua	gashua	PROPN
framr-1728	3	29	yobe	yobe	PROPN
framr-1728	3	30	state	state	PROPN
framr-1728	3	31	,	,	PUNCT
framr-1728	3	32	nigeria	nigeria	PROPN
framr-1728	4	1	2department	2department	NUM
framr-1728	4	2	of	of	ADP
framr-1728	4	3	economic	economic	ADJ
framr-1728	4	4	and	and	CCONJ
framr-1728	4	5	development	development	NOUN
framr-1728	4	6	studies	studies	PROPN
framr-1728	4	7	federal	federal	PROPN
framr-1728	4	8	university	university	PROPN
framr-1728	4	9	,	,	PUNCT
framr-1728	4	10	gashua	gashua	PROPN
framr-1728	4	11	yobe	yobe	PROPN
framr-1728	4	12	state	state	PROPN
framr-1728	4	13	,	,	PUNCT
framr-1728	4	14	nigeria	nigeria	PROPN
framr-1728	4	15	(	(	PUNCT
framr-1728	4	16	+	+	CCONJ
framr-1728	4	17	corresponding	correspond	VERB
framr-1728	4	18	author	author	NOUN
framr-1728	4	19	)	)	PUNCT
framr-1728	4	20	abstract	abstract	ADJ
framr-1728	4	21	article	article	NOUN
framr-1728	4	22	history	history	NOUN
framr-1728	4	23	received	receive	VERB
framr-1728	4	24	:	:	PUNCT
framr-1728	4	25	3	3	NUM
framr-1728	4	26	december	december	PROPN
framr-1728	4	27	2018	2018	NUM
framr-1728	4	28	revised	revise	VERB
framr-1728	4	29	:	:	PUNCT
framr-1728	4	30	8	8	NUM
framr-1728	4	31	january	january	NOUN
framr-1728	4	32	2019	2019	NUM
framr-1728	4	33	accepted	accept	VERB
framr-1728	4	34	:	:	PUNCT
framr-1728	4	35	13	13	NUM
framr-1728	4	36	february	february	NOUN
framr-1728	4	37	2019	2019	NUM
framr-1728	4	38	published	publish	VERB
framr-1728	4	39	:	:	PUNCT
framr-1728	4	40	21	21	NUM
framr-1728	4	41	march	march	NOUN
framr-1728	4	42	2019	2019	NUM
framr-1728	4	43	keywords	keyword	NOUN
framr-1728	4	44	commercial	commercial	ADJ
framr-1728	4	45	bank	bank	PROPN
framr-1728	4	46	interest	interest	NOUN
framr-1728	4	47	rate	rate	NOUN
framr-1728	4	48	deregulation	deregulation	NOUN
framr-1728	4	49	impact	impact	NOUN
framr-1728	4	50	profitability	profitability	NOUN
framr-1728	4	51	lending	lending	NOUN
framr-1728	4	52	.	.	PUNCT
framr-1728	5	1	jel	jel	PROPN
framr-1728	5	2	classification	classification	PROPN
framr-1728	5	3	:	:	PUNCT
framr-1728	5	4	g18	g18	NOUN
framr-1728	5	5	;	;	PUNCT
framr-1728	5	6	g28	g28	NOUN
framr-1728	5	7	.	.	PUNCT
framr-1728	6	1	this	this	DET
framr-1728	6	2	study	study	NOUN
framr-1728	6	3	focuses	focus	VERB
framr-1728	6	4	on	on	ADP
framr-1728	6	5	impacts	impact	NOUN
framr-1728	6	6	of	of	ADP
framr-1728	6	7	deregulation	deregulation	NOUN
framr-1728	6	8	policy	policy	NOUN
framr-1728	6	9	of	of	ADP
framr-1728	6	10	interest	interest	NOUN
framr-1728	6	11	rate	rate	NOUN
framr-1728	6	12	on	on	ADP
framr-1728	6	13	the	the	DET
framr-1728	6	14	profitability	profitability	NOUN
framr-1728	6	15	of	of	ADP
framr-1728	6	16	commercial	commercial	ADJ
framr-1728	6	17	bank	bank	NOUN
framr-1728	6	18	,	,	PUNCT
framr-1728	6	19	which	which	PRON
framr-1728	6	20	will	will	AUX
framr-1728	6	21	create	create	VERB
framr-1728	6	22	competition	competition	NOUN
framr-1728	6	23	among	among	ADP
framr-1728	6	24	conventional	conventional	ADJ
framr-1728	6	25	financial	financial	ADJ
framr-1728	6	26	institution	institution	NOUN
framr-1728	6	27	for	for	ADP
framr-1728	6	28	their	their	PRON
framr-1728	6	29	traditional	traditional	ADJ
framr-1728	6	30	activities	activity	NOUN
framr-1728	6	31	of	of	ADP
framr-1728	6	32	banks	bank	NOUN
framr-1728	6	33	(	(	PUNCT
framr-1728	6	34	deposits	deposit	NOUN
framr-1728	6	35	,	,	PUNCT
framr-1728	6	36	loans	loan	NOUN
framr-1728	6	37	and	and	CCONJ
framr-1728	6	38	other	other	ADJ
framr-1728	6	39	financial	financial	ADJ
framr-1728	6	40	institutions	institution	NOUN
framr-1728	6	41	activities	activity	NOUN
framr-1728	6	42	)	)	PUNCT
framr-1728	6	43	.	.	PUNCT
framr-1728	7	1	the	the	DET
framr-1728	7	2	demand	demand	NOUN
framr-1728	7	3	and	and	CCONJ
framr-1728	7	4	supply	supply	NOUN
framr-1728	7	5	will	will	AUX
framr-1728	7	6	increase	increase	VERB
framr-1728	7	7	to	to	PART
framr-1728	7	8	encourage	encourage	VERB
framr-1728	7	9	fund	fund	NOUN
framr-1728	7	10	mobilization	mobilization	NOUN
framr-1728	7	11	based	base	VERB
framr-1728	7	12	on	on	ADP
framr-1728	7	13	interest	interest	NOUN
framr-1728	7	14	rate	rate	NOUN
framr-1728	7	15	.	.	PUNCT
framr-1728	8	1	sanity	sanity	NOUN
framr-1728	8	2	becomes	become	VERB
framr-1728	8	3	significant	significant	ADJ
framr-1728	8	4	in	in	ADP
framr-1728	8	5	the	the	DET
framr-1728	8	6	financial	financial	ADJ
framr-1728	8	7	institution	institution	NOUN
framr-1728	8	8	as	as	SCONJ
framr-1728	8	9	utilization	utilization	NOUN
framr-1728	8	10	of	of	ADP
framr-1728	8	11	fund	fund	NOUN
framr-1728	8	12	is	be	AUX
framr-1728	8	13	been	be	AUX
framr-1728	8	14	judiciously	judiciously	ADV
framr-1728	8	15	encouraged	encourage	VERB
framr-1728	8	16	and	and	CCONJ
framr-1728	8	17	invests	invest	VERB
framr-1728	8	18	it	it	PRON
framr-1728	8	19	to	to	ADP
framr-1728	8	20	the	the	DET
framr-1728	8	21	most	most	ADV
framr-1728	8	22	profitable	profitable	ADJ
framr-1728	8	23	ventures	venture	NOUN
framr-1728	8	24	.	.	PUNCT
framr-1728	9	1	the	the	DET
framr-1728	9	2	study	study	NOUN
framr-1728	9	3	explored	explore	VERB
framr-1728	9	4	the	the	DET
framr-1728	9	5	survey	survey	NOUN
framr-1728	9	6	questionnaire	questionnaire	NOUN
framr-1728	9	7	by	by	ADP
framr-1728	9	8	selecting	select	VERB
framr-1728	9	9	five	five	NUM
framr-1728	9	10	financial	financial	ADJ
framr-1728	9	11	institutions	institution	NOUN
framr-1728	9	12	and	and	CCONJ
framr-1728	9	13	distributes	distribute	VERB
framr-1728	9	14	twenty	twenty	NUM
framr-1728	9	15	(	(	PUNCT
framr-1728	9	16	20	20	NUM
framr-1728	9	17	)	)	PUNCT
framr-1728	9	18	questionnaires	questionnaire	NOUN
framr-1728	9	19	for	for	ADP
framr-1728	9	20	each	each	DET
framr-1728	9	21	financial	financial	ADJ
framr-1728	9	22	institution	institution	NOUN
framr-1728	9	23	to	to	ADP
framr-1728	9	24	their	their	PRON
framr-1728	9	25	respective	respective	ADJ
framr-1728	9	26	managers	manager	NOUN
framr-1728	9	27	(	(	PUNCT
framr-1728	9	28	experts	expert	NOUN
framr-1728	9	29	)	)	PUNCT
framr-1728	9	30	for	for	ADP
framr-1728	9	31	their	their	PRON
framr-1728	9	32	input	input	NOUN
framr-1728	9	33	.	.	PUNCT
framr-1728	10	1	the	the	DET
framr-1728	10	2	simple	simple	ADJ
framr-1728	10	3	description	description	NOUN
framr-1728	10	4	analysis	analysis	NOUN
framr-1728	10	5	and	and	CCONJ
framr-1728	10	6	correlation	correlation	NOUN
framr-1728	10	7	were	be	AUX
framr-1728	10	8	considered	consider	VERB
framr-1728	10	9	for	for	SCONJ
framr-1728	10	10	variables	variable	NOUN
framr-1728	10	11	comparison	comparison	NOUN
framr-1728	10	12	to	to	PART
framr-1728	10	13	achieve	achieve	VERB
framr-1728	10	14	the	the	DET
framr-1728	10	15	research	research	NOUN
framr-1728	10	16	objectives	objective	NOUN
framr-1728	10	17	.	.	PUNCT
framr-1728	11	1	the	the	DET
framr-1728	11	2	research	research	NOUN
framr-1728	11	3	findings	finding	NOUN
framr-1728	11	4	indicate	indicate	VERB
framr-1728	11	5	that	that	SCONJ
framr-1728	11	6	the	the	DET
framr-1728	11	7	deregulation	deregulation	NOUN
framr-1728	11	8	significantly	significantly	ADV
framr-1728	11	9	contributed	contribute	VERB
framr-1728	11	10	to	to	ADP
framr-1728	11	11	the	the	DET
framr-1728	11	12	profitability	profitability	NOUN
framr-1728	11	13	of	of	ADP
framr-1728	11	14	commercial	commercial	ADJ
framr-1728	11	15	financial	financial	ADJ
framr-1728	11	16	institution	institution	NOUN
framr-1728	11	17	and	and	CCONJ
framr-1728	11	18	promote	promote	VERB
framr-1728	11	19	competition	competition	NOUN
framr-1728	11	20	among	among	ADP
framr-1728	11	21	their	their	PRON
framr-1728	11	22	counterpart	counterpart	NOUN
framr-1728	11	23	.	.	PUNCT
framr-1728	12	1	the	the	DET
framr-1728	12	2	study	study	NOUN
framr-1728	12	3	also	also	ADV
framr-1728	12	4	reveals	reveal	VERB
framr-1728	12	5	that	that	SCONJ
framr-1728	12	6	the	the	DET
framr-1728	12	7	deregulation	deregulation	NOUN
framr-1728	12	8	in	in	ADP
framr-1728	12	9	interest	interest	NOUN
framr-1728	12	10	rate	rate	NOUN
framr-1728	12	11	leads	lead	VERB
framr-1728	12	12	to	to	ADP
framr-1728	12	13	an	an	DET
framr-1728	12	14	increase	increase	NOUN
framr-1728	12	15	in	in	ADP
framr-1728	12	16	profit	profit	NOUN
framr-1728	12	17	maximization	maximization	NOUN
framr-1728	12	18	.	.	PUNCT
framr-1728	13	1	the	the	DET
framr-1728	13	2	study	study	NOUN
framr-1728	13	3	recommended	recommend	VERB
framr-1728	13	4	the	the	DET
framr-1728	13	5	changes	change	NOUN
framr-1728	13	6	in	in	ADP
framr-1728	13	7	the	the	DET
framr-1728	13	8	discount	discount	NOUN
framr-1728	13	9	rate	rate	NOUN
framr-1728	13	10	will	will	AUX
framr-1728	13	11	reflect	reflect	VERB
framr-1728	13	12	a	a	DET
framr-1728	13	13	stipulated	stipulate	VERB
framr-1728	13	14	range	range	NOUN
framr-1728	13	15	depending	depend	VERB
framr-1728	13	16	on	on	ADP
framr-1728	13	17	how	how	SCONJ
framr-1728	13	18	monetary	monetary	ADJ
framr-1728	13	19	policy	policy	NOUN
framr-1728	13	20	pursued	pursue	VERB
framr-1728	13	21	and	and	CCONJ
framr-1728	13	22	the	the	DET
framr-1728	13	23	relation	relation	NOUN
framr-1728	13	24	of	of	ADP
framr-1728	13	25	a	a	DET
framr-1728	13	26	current	current	ADJ
framr-1728	13	27	market	market	NOUN
framr-1728	13	28	economy	economy	NOUN
framr-1728	13	29	with	with	ADP
framr-1728	13	30	interest	interest	NOUN
framr-1728	13	31	rate	rate	NOUN
framr-1728	13	32	,	,	PUNCT
framr-1728	13	33	the	the	DET
framr-1728	13	34	sufficient	sufficient	ADJ
framr-1728	13	35	control	control	NOUN
framr-1728	13	36	of	of	ADP
framr-1728	13	37	the	the	DET
framr-1728	13	38	institutions	institution	NOUN
framr-1728	13	39	and	and	CCONJ
framr-1728	13	40	regulatory	regulatory	ADJ
framr-1728	13	41	bodies	body	NOUN
framr-1728	13	42	to	to	PART
framr-1728	13	43	ensure	ensure	VERB
framr-1728	13	44	the	the	DET
framr-1728	13	45	forces	force	NOUN
framr-1728	13	46	driving	drive	VERB
framr-1728	13	47	the	the	DET
framr-1728	13	48	economy	economy	NOUN
framr-1728	13	49	as	as	SCONJ
framr-1728	13	50	adequately	adequately	ADV
framr-1728	13	51	managed	manage	VERB
framr-1728	13	52	and	and	CCONJ
framr-1728	13	53	controlled	control	VERB
framr-1728	13	54	.	.	PUNCT
framr-1728	14	1	contribution	contribution	NOUN
framr-1728	14	2	/	/	SYM
framr-1728	14	3	originality	originality	NOUN
framr-1728	14	4	:	:	PUNCT
framr-1728	14	5	this	this	DET
framr-1728	14	6	study	study	NOUN
framr-1728	14	7	contributes	contribute	VERB
framr-1728	14	8	to	to	ADP
framr-1728	14	9	the	the	DET
framr-1728	14	10	existing	exist	VERB
framr-1728	14	11	literature	literature	NOUN
framr-1728	14	12	on	on	ADP
framr-1728	14	13	the	the	DET
framr-1728	14	14	interest	interest	NOUN
framr-1728	14	15	rate	rate	NOUN
framr-1728	14	16	deregulation	deregulation	NOUN
framr-1728	14	17	.	.	PUNCT
framr-1728	15	1	the	the	DET
framr-1728	15	2	study	study	NOUN
framr-1728	15	3	uses	use	VERB
framr-1728	15	4	a	a	DET
framr-1728	15	5	new	new	ADJ
framr-1728	15	6	estimation	estimation	NOUN
framr-1728	15	7	methodology	methodology	NOUN
framr-1728	15	8	as	as	ADP
framr-1728	15	9	a	a	DET
framr-1728	15	10	structural	structural	ADJ
framr-1728	15	11	survey	survey	NOUN
framr-1728	15	12	questionnaire	questionnaire	NOUN
framr-1728	15	13	which	which	PRON
framr-1728	15	14	used	use	VERB
framr-1728	15	15	correlation	correlation	NOUN
framr-1728	15	16	and	and	CCONJ
framr-1728	15	17	descriptive	descriptive	ADJ
framr-1728	15	18	analyses	analysis	NOUN
framr-1728	15	19	.	.	PUNCT
framr-1728	16	1	the	the	DET
framr-1728	16	2	study	study	NOUN
framr-1728	16	3	is	be	AUX
framr-1728	16	4	one	one	NUM
framr-1728	16	5	of	of	ADP
framr-1728	16	6	the	the	DET
framr-1728	16	7	very	very	ADV
framr-1728	16	8	few	few	ADJ
framr-1728	16	9	studies	study	NOUN
framr-1728	16	10	based	base	VERB
framr-1728	16	11	on	on	ADP
framr-1728	16	12	deregulation	deregulation	NOUN
framr-1728	16	13	of	of	ADP
framr-1728	16	14	the	the	DET
framr-1728	16	15	interest	interest	NOUN
framr-1728	16	16	rate	rate	NOUN
framr-1728	16	17	on	on	ADP
framr-1728	16	18	commercial	commercial	ADJ
framr-1728	16	19	bank	bank	NOUN
framr-1728	16	20	.	.	PUNCT
framr-1728	17	1	1	1	X
framr-1728	17	2	.	.	X
framr-1728	17	3	introduction	introduction	NOUN
framr-1728	17	4	before	before	ADP
framr-1728	17	5	the	the	DET
framr-1728	17	6	introduction	introduction	NOUN
framr-1728	17	7	of	of	ADP
framr-1728	17	8	market	market	NOUN
framr-1728	17	9	base	base	NOUN
framr-1728	17	10	policy	policy	NOUN
framr-1728	17	11	in	in	ADP
framr-1728	17	12	1987	1987	NUM
framr-1728	17	13	,	,	PUNCT
framr-1728	17	14	the	the	DET
framr-1728	17	15	interest	interest	NOUN
framr-1728	17	16	rate	rate	NOUN
framr-1728	17	17	management	management	NOUN
framr-1728	17	18	was	be	AUX
framr-1728	17	19	controlled	control	VERB
framr-1728	17	20	by	by	ADP
framr-1728	17	21	the	the	DET
framr-1728	17	22	central	central	ADJ
framr-1728	17	23	bank	bank	PROPN
framr-1728	17	24	of	of	ADP
framr-1728	17	25	nigeria	nigeria	PROPN
framr-1728	17	26	,	,	PUNCT
framr-1728	17	27	which	which	PRON
framr-1728	17	28	restricted	restrict	VERB
framr-1728	17	29	the	the	DET
framr-1728	17	30	minimum	minimum	ADJ
framr-1728	17	31	and	and	CCONJ
framr-1728	17	32	maximum	maximum	ADJ
framr-1728	17	33	savings	saving	NOUN
framr-1728	17	34	rates	rate	NOUN
framr-1728	17	35	of	of	ADP
framr-1728	17	36	lending	lend	VERB
framr-1728	17	37	for	for	ADP
framr-1728	17	38	financial	financial	ADJ
framr-1728	17	39	institutions	institution	NOUN
framr-1728	17	40	.	.	PUNCT
framr-1728	18	1	after	after	SCONJ
framr-1728	18	2	the	the	DET
framr-1728	18	3	introduction	introduction	NOUN
framr-1728	18	4	of	of	ADP
framr-1728	18	5	market	market	NOUN
framr-1728	18	6	policy	policy	NOUN
framr-1728	18	7	banks	bank	NOUN
framr-1728	18	8	were	be	AUX
framr-1728	18	9	allowed	allow	VERB
framr-1728	18	10	to	to	PART
framr-1728	18	11	run	run	VERB
framr-1728	18	12	their	their	PRON
framr-1728	18	13	activities	activity	NOUN
framr-1728	18	14	based	base	VERB
framr-1728	18	15	on	on	ADP
framr-1728	18	16	negotiation	negotiation	NOUN
framr-1728	18	17	with	with	ADP
framr-1728	18	18	customers	customer	NOUN
framr-1728	18	19	,	,	PUNCT
framr-1728	18	20	the	the	DET
framr-1728	18	21	banks	bank	NOUN
framr-1728	18	22	were	be	AUX
framr-1728	18	23	also	also	ADV
framr-1728	18	24	directed	direct	VERB
framr-1728	18	25	to	to	PART
framr-1728	18	26	pay	pay	VERB
framr-1728	18	27	interest	interest	NOUN
framr-1728	18	28	on	on	ADP
framr-1728	18	29	current	current	ADJ
framr-1728	18	30	account	account	NOUN
framr-1728	18	31	deposits	deposit	NOUN
framr-1728	18	32	by	by	ADP
framr-1728	18	33	the	the	DET
framr-1728	18	34	central	central	ADJ
framr-1728	18	35	bank	bank	PROPN
framr-1728	18	36	of	of	ADP
framr-1728	18	37	nigeria	nigeria	PROPN
framr-1728	18	38	on	on	ADP
framr-1728	18	39	the	the	DET
framr-1728	18	40	deregulation	deregulation	NOUN
framr-1728	18	41	context	context	NOUN
framr-1728	18	42	of	of	ADP
framr-1728	18	43	the	the	DET
framr-1728	18	44	framework	framework	NOUN
framr-1728	18	45	.	.	PUNCT
framr-1728	19	1	this	this	PRON
framr-1728	19	2	,	,	PUNCT
framr-1728	19	3	obscure	obscure	VERB
framr-1728	19	4	the	the	DET
framr-1728	19	5	indirect	indirect	ADJ
framr-1728	19	6	negotiation	negotiation	NOUN
framr-1728	19	7	between	between	ADP
framr-1728	19	8	the	the	DET
framr-1728	19	9	customers	customer	NOUN
framr-1728	19	10	and	and	CCONJ
framr-1728	19	11	their	their	PRON
framr-1728	19	12	banks	bank	NOUN
framr-1728	19	13	based	base	VERB
framr-1728	19	14	on	on	ADP
framr-1728	19	15	the	the	DET
framr-1728	19	16	payable	payable	ADJ
framr-1728	19	17	interest	interest	NOUN
framr-1728	19	18	rate	rate	NOUN
framr-1728	19	19	for	for	ADP
framr-1728	19	20	special	special	ADJ
framr-1728	19	21	purpose	purpose	NOUN
framr-1728	19	22	deposit	deposit	NOUN
framr-1728	19	23	held	hold	VERB
framr-1728	19	24	between	between	ADP
framr-1728	19	25	stipulated	stipulate	VERB
framr-1728	19	26	periods	period	NOUN
framr-1728	19	27	of	of	ADP
framr-1728	19	28	time	time	NOUN
framr-1728	19	29	.	.	PUNCT
framr-1728	20	1	however	however	ADV
framr-1728	20	2	,	,	PUNCT
framr-1728	20	3	assurance	assurance	NOUN
framr-1728	20	4	of	of	ADP
framr-1728	20	5	exploitation	exploitation	NOUN
framr-1728	20	6	on	on	ADP
framr-1728	20	7	customers	customer	NOUN
framr-1728	20	8	is	be	AUX
framr-1728	20	9	totally	totally	ADV
framr-1728	20	10	expelled	expel	VERB
framr-1728	20	11	,	,	PUNCT
framr-1728	20	12	the	the	DET
framr-1728	20	13	central	central	ADJ
framr-1728	20	14	bank	bank	PROPN
framr-1728	20	15	of	of	ADP
framr-1728	20	16	nigeria	nigeria	PROPN
framr-1728	20	17	has	have	AUX
framr-1728	20	18	directed	direct	VERB
framr-1728	20	19	the	the	DET
framr-1728	20	20	implementation	implementation	NOUN
framr-1728	20	21	of	of	ADP
framr-1728	20	22	reducing	reduce	VERB
framr-1728	20	23	balanced	balanced	ADJ
framr-1728	20	24	method	method	NOUN
framr-1728	20	25	and	and	CCONJ
framr-1728	20	26	should	should	AUX
framr-1728	20	27	be	be	AUX
framr-1728	20	28	considered	consider	VERB
framr-1728	20	29	and	and	CCONJ
framr-1728	20	30	applied	apply	VERB
framr-1728	20	31	on	on	ADP
framr-1728	20	32	loan	loan	NOUN
framr-1728	20	33	charges	charge	NOUN
framr-1728	20	34	based	base	VERB
framr-1728	20	35	on	on	ADP
framr-1728	20	36	financial	financial	ADJ
framr-1728	20	37	risk	risk	NOUN
framr-1728	20	38	and	and	CCONJ
framr-1728	20	39	management	management	NOUN
framr-1728	20	40	reviews	review	NOUN
framr-1728	20	41	2019	2019	NUM
framr-1728	20	42	vol	vol	NOUN
framr-1728	20	43	.	.	PROPN
framr-1728	21	1	5	5	NUM
framr-1728	21	2	,	,	PUNCT
framr-1728	21	3	no	no	INTJ
framr-1728	21	4	.	.	NOUN
framr-1728	21	5	1	1	NUM
framr-1728	21	6	,	,	PUNCT
framr-1728	21	7	pp	pp	ADJ
framr-1728	21	8	.	.	PUNCT
framr-1728	22	1	1	1	NUM
framr-1728	22	2	-	-	SYM
framr-1728	22	3	9	9	NUM
framr-1728	22	4	issn(e	issn(e	NOUN
framr-1728	22	5	):	):	PUNCT
framr-1728	22	6	2411	2411	NUM
framr-1728	22	7	-	-	SYM
framr-1728	22	8	6408	6408	NUM
framr-1728	22	9	issn(p	issn(p	NUM
framr-1728	22	10	):	):	PUNCT
framr-1728	22	11	2412	2412	NUM
framr-1728	22	12	-	-	SYM
framr-1728	22	13	3404	3404	NUM
framr-1728	22	14	doi	doi	NOUN
framr-1728	22	15	:	:	PUNCT
framr-1728	22	16	10.18488	10.18488	NUM
framr-1728	22	17	/	/	SYM
framr-1728	22	18	journal.89.2019.51.1.9	journal.89.2019.51.1.9	ADJ
framr-1728	22	19	©	©	PROPN
framr-1728	22	20	2019	2019	NUM
framr-1728	22	21	conscientia	conscientia	PROPN
framr-1728	22	22	beam	beam	PROPN
framr-1728	22	23	.	.	PUNCT
framr-1728	23	1	all	all	DET
framr-1728	23	2	rights	right	NOUN
framr-1728	23	3	reserved	reserve	VERB
framr-1728	23	4	.	.	PUNCT
framr-1728	24	1	https://orcid.org/0000-0002-7628-8587	https://orcid.org/0000-0002-7628-8587	PROPN
framr-1728	24	2	https://orcid.org/0000-0003-4210-2462	https://orcid.org/0000-0003-4210-2462	PROPN
framr-1728	24	3	https://www.doi.org/10.18488/journal.89.2019.51.1.9	https://www.doi.org/10.18488/journal.89.2019.51.1.9	VERB
framr-1728	24	4	financial	financial	ADJ
framr-1728	24	5	risk	risk	NOUN
framr-1728	24	6	and	and	CCONJ
framr-1728	24	7	management	management	NOUN
framr-1728	24	8	reviews	review	NOUN
framr-1728	24	9	,	,	PUNCT
framr-1728	24	10	2019	2019	NUM
framr-1728	24	11	,	,	PUNCT
framr-1728	24	12	5(1	5(1	NUM
framr-1728	24	13	):	):	PUNCT
framr-1728	24	14	1	1	NUM
framr-1728	24	15	-	-	SYM
framr-1728	24	16	9	9	NUM
framr-1728	24	17	2	2	NUM
framr-1728	24	18	©	©	PROPN
framr-1728	24	19	2019	2019	NUM
framr-1728	24	20	conscientia	conscientia	PROPN
framr-1728	24	21	beam	beam	PROPN
framr-1728	24	22	.	.	PUNCT
framr-1728	25	1	all	all	DET
framr-1728	25	2	rights	right	NOUN
framr-1728	25	3	reserved	reserve	VERB
framr-1728	25	4	.	.	PUNCT
framr-1728	26	1	installment	installment	NOUN
framr-1728	26	2	agreed	agree	VERB
framr-1728	26	3	payable	payable	ADJ
framr-1728	26	4	.	.	PUNCT
framr-1728	27	1	the	the	DET
framr-1728	27	2	minimum	minimum	ADJ
framr-1728	27	3	rediscount	rediscount	NOUN
framr-1728	27	4	rate	rate	NOUN
framr-1728	27	5	(	(	PUNCT
framr-1728	27	6	mrr	mrr	PROPN
framr-1728	27	7	)	)	PUNCT
framr-1728	27	8	continued	continue	VERB
framr-1728	27	9	to	to	PART
framr-1728	27	10	regulate	regulate	VERB
framr-1728	27	11	the	the	DET
framr-1728	27	12	fixed	fix	VERB
framr-1728	27	13	charges	charge	NOUN
framr-1728	27	14	by	by	ADP
framr-1728	27	15	the	the	DET
framr-1728	27	16	central	central	ADJ
framr-1728	27	17	bank	bank	NOUN
framr-1728	27	18	in	in	ADP
framr-1728	27	19	line	line	NOUN
framr-1728	27	20	with	with	ADP
framr-1728	27	21	overall	overall	ADJ
framr-1728	27	22	economic	economic	ADJ
framr-1728	27	23	conditions	condition	NOUN
framr-1728	27	24	.	.	PUNCT
framr-1728	28	1	for	for	ADP
framr-1728	28	2	example	example	NOUN
framr-1728	28	3	,	,	PUNCT
framr-1728	28	4	mrr	mrr	PROPN
framr-1728	28	5	in	in	ADP
framr-1728	28	6	august	august	PROPN
framr-1728	28	7	1987	1987	NUM
framr-1728	28	8	fixed	fix	VERB
framr-1728	28	9	the	the	DET
framr-1728	28	10	rate	rate	NOUN
framr-1728	28	11	at	at	ADP
framr-1728	28	12	15	15	NUM
framr-1728	28	13	%	%	NOUN
framr-1728	28	14	by	by	ADP
framr-1728	28	15	december	december	PROPN
framr-1728	28	16	1987	1987	NUM
framr-1728	28	17	was	be	AUX
framr-1728	28	18	reduced	reduce	VERB
framr-1728	28	19	to	to	ADP
framr-1728	28	20	12.7	12.7	NUM
framr-1728	28	21	%	%	NOUN
framr-1728	28	22	with	with	ADP
framr-1728	28	23	the	the	DET
framr-1728	28	24	aim	aim	NOUN
framr-1728	28	25	to	to	PART
framr-1728	28	26	improve	improve	VERB
framr-1728	28	27	the	the	DET
framr-1728	28	28	stimulation	stimulation	NOUN
framr-1728	28	29	investment	investment	NOUN
framr-1728	28	30	and	and	CCONJ
framr-1728	28	31	attract	attract	VERB
framr-1728	28	32	a	a	DET
framr-1728	28	33	foreign	foreign	ADJ
framr-1728	28	34	direct	direct	ADJ
framr-1728	28	35	investment	investment	NOUN
framr-1728	28	36	followers	follower	NOUN
framr-1728	28	37	and	and	CCONJ
framr-1728	28	38	sound	sound	ADJ
framr-1728	28	39	monetary	monetary	ADJ
framr-1728	28	40	policy	policy	NOUN
framr-1728	28	41	(	(	PUNCT
framr-1728	28	42	vaghefi	vaghefi	NOUN
framr-1728	28	43	et	et	PROPN
framr-1728	28	44	al	al	PROPN
framr-1728	28	45	.	.	PROPN
framr-1728	28	46	,	,	PUNCT
framr-1728	28	47	1991	1991	NUM
framr-1728	28	48	)	)	PUNCT
framr-1728	28	49	.	.	PUNCT
framr-1728	29	1	the	the	DET
framr-1728	29	2	mrr	mrr	PROPN
framr-1728	29	3	raised	raise	VERB
framr-1728	29	4	flexible	flexible	ADJ
framr-1728	29	5	interest	interest	NOUN
framr-1728	29	6	rate	rate	NOUN
framr-1728	29	7	to	to	ADP
framr-1728	29	8	13.2	13.2	NUM
framr-1728	29	9	%	%	NOUN
framr-1728	29	10	in	in	ADP
framr-1728	29	11	occurrence	occurrence	NOUN
framr-1728	29	12	of	of	ADP
framr-1728	29	13	flexible	flexible	ADJ
framr-1728	29	14	policy	policy	NOUN
framr-1728	29	15	in	in	ADP
framr-1728	29	16	1989	1989	NUM
framr-1728	29	17	,	,	PUNCT
framr-1728	29	18	in	in	ADP
framr-1728	29	19	same	same	ADJ
framr-1728	29	20	year	year	NOUN
framr-1728	29	21	,	,	PUNCT
framr-1728	29	22	the	the	DET
framr-1728	29	23	central	central	ADJ
framr-1728	29	24	bank	bank	PROPN
framr-1728	29	25	of	of	ADP
framr-1728	29	26	nigeria	nigeria	PROPN
framr-1728	29	27	(	(	PUNCT
framr-1728	29	28	cbn	cbn	PROPN
framr-1728	29	29	)	)	PUNCT
framr-1728	29	30	developed	develop	VERB
framr-1728	29	31	treasury	treasury	NOUN
framr-1728	29	32	bill	bill	NOUN
framr-1728	29	33	and	and	CCONJ
framr-1728	29	34	certificate	certificate	NOUN
framr-1728	29	35	(	(	PUNCT
framr-1728	29	36	securities	security	NOUN
framr-1728	29	37	)	)	PUNCT
framr-1728	29	38	,	,	PUNCT
framr-1728	29	39	under	under	ADP
framr-1728	29	40	the	the	DET
framr-1728	29	41	system	system	NOUN
framr-1728	29	42	that	that	PRON
framr-1728	29	43	authorized	authorize	VERB
framr-1728	29	44	dealers	dealer	NOUN
framr-1728	29	45	’	’	PART
framr-1728	29	46	submission	submission	NOUN
framr-1728	29	47	of	of	ADP
framr-1728	29	48	competitive	competitive	ADJ
framr-1728	29	49	bids	bid	NOUN
framr-1728	29	50	that	that	PRON
framr-1728	29	51	issued	issue	VERB
framr-1728	29	52	rate	rate	NOUN
framr-1728	29	53	emerge	emerge	VERB
framr-1728	29	54	.	.	PUNCT
framr-1728	30	1	lack	lack	NOUN
framr-1728	30	2	of	of	ADP
framr-1728	30	3	deposit	deposit	NOUN
framr-1728	30	4	and	and	CCONJ
framr-1728	30	5	lending	lending	NOUN
framr-1728	30	6	structure	structure	NOUN
framr-1728	30	7	concurred	concur	VERB
framr-1728	30	8	the	the	DET
framr-1728	30	9	immense	immense	ADJ
framr-1728	30	10	responsiveness	responsiveness	NOUN
framr-1728	30	11	in	in	ADP
framr-1728	30	12	market	market	NOUN
framr-1728	30	13	fundamentals	fundamental	NOUN
framr-1728	30	14	which	which	PRON
framr-1728	30	15	manifested	manifest	VERB
framr-1728	30	16	in	in	ADP
framr-1728	30	17	1990	1990	NUM
framr-1728	30	18	declined	decline	VERB
framr-1728	30	19	of	of	ADP
framr-1728	30	20	inflation	inflation	NOUN
framr-1728	30	21	that	that	PRON
framr-1728	30	22	forced	force	VERB
framr-1728	30	23	the	the	DET
framr-1728	30	24	authorities	authority	NOUN
framr-1728	30	25	to	to	PART
framr-1728	30	26	fix	fix	VERB
framr-1728	30	27	a	a	DET
framr-1728	30	28	minimum	minimum	ADJ
framr-1728	30	29	spread	spread	NOUN
framr-1728	30	30	between	between	ADP
framr-1728	30	31	the	the	DET
framr-1728	30	32	cost	cost	NOUN
framr-1728	30	33	of	of	ADP
framr-1728	30	34	commercial	commercial	ADJ
framr-1728	30	35	funds	fund	NOUN
framr-1728	30	36	and	and	CCONJ
framr-1728	30	37	merchant	merchant	NOUN
framr-1728	30	38	fund	fund	NOUN
framr-1728	30	39	for	for	ADP
framr-1728	30	40	their	their	PRON
framr-1728	30	41	maximum	maximum	ADJ
framr-1728	30	42	lending	lending	NOUN
framr-1728	30	43	rates	rate	NOUN
framr-1728	30	44	.	.	PUNCT
framr-1728	31	1	therefore	therefore	ADV
framr-1728	31	2	,	,	PUNCT
framr-1728	31	3	the	the	DET
framr-1728	31	4	banks	bank	NOUN
framr-1728	31	5	were	be	AUX
framr-1728	31	6	directed	direct	VERB
framr-1728	31	7	to	to	PART
framr-1728	31	8	ensure	ensure	VERB
framr-1728	31	9	the	the	DET
framr-1728	31	10	minimum	minimum	ADJ
framr-1728	31	11	deposit	deposit	NOUN
framr-1728	31	12	rate	rate	NOUN
framr-1728	31	13	of	of	ADP
framr-1728	31	14	13.5	13.5	NUM
framr-1728	31	15	and	and	CCONJ
framr-1728	31	16	lending	lending	NOUN
framr-1728	31	17	rate	rate	NOUN
framr-1728	31	18	at	at	ADP
framr-1728	31	19	21	21	NUM
framr-1728	31	20	%	%	NOUN
framr-1728	31	21	.	.	PUNCT
framr-1728	32	1	the	the	DET
framr-1728	32	2	banking	banking	NOUN
framr-1728	32	3	considered	consider	VERB
framr-1728	32	4	that	that	SCONJ
framr-1728	32	5	as	as	ADP
framr-1728	32	6	obviously	obviously	ADV
framr-1728	32	7	against	against	ADP
framr-1728	32	8	the	the	DET
framr-1728	32	9	government	government	NOUN
framr-1728	32	10	deregulatory	deregulatory	ADJ
framr-1728	32	11	posture	posture	NOUN
framr-1728	32	12	,	,	PUNCT
framr-1728	32	13	however	however	ADV
framr-1728	32	14	,	,	PUNCT
framr-1728	32	15	the	the	DET
framr-1728	32	16	reported	report	VERB
framr-1728	32	17	rate	rate	NOUN
framr-1728	32	18	considered	consider	VERB
framr-1728	32	19	within	within	ADP
framr-1728	32	20	the	the	DET
framr-1728	32	21	guideline	guideline	NOUN
framr-1728	32	22	and	and	CCONJ
framr-1728	32	23	was	be	AUX
framr-1728	32	24	sufficient	sufficient	ADJ
framr-1728	32	25	to	to	PART
framr-1728	32	26	prove	prove	VERB
framr-1728	32	27	the	the	DET
framr-1728	32	28	essential	essential	ADJ
framr-1728	32	29	rate	rate	NOUN
framr-1728	32	30	as	as	ADV
framr-1728	32	31	higher	high	ADJ
framr-1728	32	32	as	as	SCONJ
framr-1728	32	33	the	the	DET
framr-1728	32	34	policy	policy	NOUN
framr-1728	32	35	was	be	AUX
framr-1728	32	36	largely	largely	ADV
framr-1728	32	37	sideline	sideline	ADJ
framr-1728	32	38	,	,	PUNCT
framr-1728	32	39	and	and	CCONJ
framr-1728	32	40	that	that	PRON
framr-1728	32	41	was	be	AUX
framr-1728	32	42	removed	remove	VERB
framr-1728	32	43	january	january	PROPN
framr-1728	32	44	1992	1992	NUM
framr-1728	32	45	(	(	PUNCT
framr-1728	32	46	hien	hien	PROPN
framr-1728	32	47	and	and	CCONJ
framr-1728	32	48	hanh	hanh	NOUN
framr-1728	32	49	,	,	PUNCT
framr-1728	32	50	2013	2013	NUM
framr-1728	32	51	)	)	PUNCT
framr-1728	32	52	.	.	PUNCT
framr-1728	33	1	in	in	ADP
framr-1728	33	2	1993	1993	NUM
framr-1728	33	3	the	the	DET
framr-1728	33	4	policy	policy	NOUN
framr-1728	33	5	was	be	AUX
framr-1728	33	6	retained	retain	VERB
framr-1728	33	7	in	in	ADP
framr-1728	33	8	the	the	DET
framr-1728	33	9	course	course	NOUN
framr-1728	33	10	of	of	ADP
framr-1728	33	11	interest	interest	NOUN
framr-1728	33	12	rate	rate	NOUN
framr-1728	33	13	only	only	ADV
framr-1728	33	14	volatile	volatile	ADJ
framr-1728	33	15	and	and	CCONJ
framr-1728	33	16	distorted	distort	VERB
framr-1728	33	17	it	it	PRON
framr-1728	33	18	and	and	CCONJ
framr-1728	33	19	raised	raise	VERB
framr-1728	33	20	unpredicted	unpredicted	ADJ
framr-1728	33	21	levels	level	NOUN
framr-1728	33	22	.	.	PUNCT
framr-1728	34	1	the	the	DET
framr-1728	34	2	interest	interest	NOUN
framr-1728	34	3	rate	rate	NOUN
framr-1728	34	4	behavior	behavior	NOUN
framr-1728	34	5	was	be	AUX
framr-1728	34	6	traceable	traceable	ADJ
framr-1728	34	7	under	under	ADP
framr-1728	34	8	these	these	DET
framr-1728	34	9	factors	factor	NOUN
framr-1728	34	10	.	.	PUNCT
framr-1728	35	1	the	the	DET
framr-1728	35	2	high	high	ADJ
framr-1728	35	3	arising	arising	NOUN
framr-1728	35	4	of	of	ADP
framr-1728	35	5	domestic	domestic	ADJ
framr-1728	35	6	inflation	inflation	NOUN
framr-1728	35	7	resulted	result	VERB
framr-1728	35	8	in	in	ADP
framr-1728	35	9	huge	huge	ADJ
framr-1728	35	10	fiscal	fiscal	ADJ
framr-1728	35	11	deficit	deficit	NOUN
framr-1728	35	12	of	of	ADP
framr-1728	35	13	the	the	DET
framr-1728	35	14	federal	federal	ADJ
framr-1728	35	15	government	government	NOUN
framr-1728	35	16	which	which	PRON
framr-1728	35	17	central	central	ADJ
framr-1728	35	18	bank	bank	PROPN
framr-1728	35	19	of	of	ADP
framr-1728	35	20	nigeria	nigeria	PROPN
framr-1728	35	21	financed	finance	VERB
framr-1728	35	22	.	.	PUNCT
framr-1728	36	1	the	the	DET
framr-1728	36	2	interest	interest	NOUN
framr-1728	36	3	rate	rate	NOUN
framr-1728	36	4	deregulation	deregulation	NOUN
framr-1728	36	5	conferred	confer	VERB
framr-1728	36	6	on	on	ADP
framr-1728	36	7	the	the	DET
framr-1728	36	8	arbitraging	arbitrage	VERB
framr-1728	36	9	activities	activity	NOUN
framr-1728	36	10	of	of	ADP
framr-1728	36	11	the	the	DET
framr-1728	36	12	market	market	NOUN
framr-1728	36	13	speculation	speculation	NOUN
framr-1728	36	14	.	.	PUNCT
framr-1728	37	1	the	the	DET
framr-1728	37	2	insolvency	insolvency	NOUN
framr-1728	37	3	in	in	ADP
framr-1728	37	4	cash	cash	NOUN
framr-1728	37	5	flow	flow	NOUN
framr-1728	37	6	distress	distress	NOUN
framr-1728	37	7	borrowing	borrowing	NOUN
framr-1728	37	8	resulting	result	VERB
framr-1728	37	9	to	to	ADP
framr-1728	37	10	the	the	DET
framr-1728	37	11	weak	weak	ADJ
framr-1728	37	12	banking	banking	NOUN
framr-1728	37	13	,	,	PUNCT
framr-1728	37	14	the	the	DET
framr-1728	37	15	system	system	NOUN
framr-1728	37	16	allocation	allocation	NOUN
framr-1728	37	17	,	,	PUNCT
framr-1728	37	18	foreign	foreign	ADJ
framr-1728	37	19	exchange	exchange	NOUN
framr-1728	37	20	on	on	ADP
framr-1728	37	21	both	both	DET
framr-1728	37	22	sterilization	sterilization	NOUN
framr-1728	37	23	and	and	CCONJ
framr-1728	37	24	indus	indus	NOUN
framr-1728	37	25	of	of	ADP
framr-1728	37	26	a	a	DET
framr-1728	37	27	large	large	ADJ
framr-1728	37	28	fund	fund	NOUN
framr-1728	37	29	at	at	ADP
framr-1728	37	30	the	the	DET
framr-1728	37	31	cbn	cbn	PROPN
framr-1728	37	32	.	.	PUNCT
framr-1728	38	1	in	in	ADP
framr-1728	38	2	1993	1993	NUM
framr-1728	38	3	,	,	PUNCT
framr-1728	38	4	high	high	ADJ
framr-1728	38	5	interest	interest	NOUN
framr-1728	38	6	prevailing	prevail	VERB
framr-1728	38	7	,	,	PUNCT
framr-1728	38	8	discourage	discourage	VERB
framr-1728	38	9	investments	investment	NOUN
framr-1728	38	10	and	and	CCONJ
framr-1728	38	11	productive	productive	ADJ
framr-1728	38	12	spirit	spirit	NOUN
framr-1728	38	13	of	of	ADP
framr-1728	38	14	the	the	DET
framr-1728	38	15	economic	economic	ADJ
framr-1728	38	16	and	and	CCONJ
framr-1728	38	17	the	the	DET
framr-1728	38	18	volatile	volatile	ADJ
framr-1728	38	19	interbank	interbank	NOUN
framr-1728	38	20	undermined	undermine	VERB
framr-1728	38	21	the	the	DET
framr-1728	38	22	efficiency	efficiency	NOUN
framr-1728	38	23	of	of	ADP
framr-1728	38	24	free	free	ADJ
framr-1728	38	25	market	market	NOUN
framr-1728	38	26	activities	activity	NOUN
framr-1728	38	27	and	and	CCONJ
framr-1728	38	28	steadiness	steadiness	NOUN
framr-1728	38	29	of	of	ADP
framr-1728	38	30	financial	financial	ADJ
framr-1728	38	31	system	system	NOUN
framr-1728	38	32	.	.	PUNCT
framr-1728	39	1	in	in	ADP
framr-1728	39	2	1994	1994	NUM
framr-1728	39	3	,	,	PUNCT
framr-1728	39	4	major	major	ADJ
framr-1728	39	5	regulations	regulation	NOUN
framr-1728	39	6	were	be	AUX
framr-1728	39	7	reintroduced	reintroduce	VERB
framr-1728	39	8	in	in	ADP
framr-1728	39	9	the	the	DET
framr-1728	39	10	management	management	NOUN
framr-1728	39	11	of	of	ADP
framr-1728	39	12	interest	interest	NOUN
framr-1728	39	13	rate	rate	NOUN
framr-1728	39	14	due	due	ADP
framr-1728	39	15	to	to	ADP
framr-1728	39	16	the	the	DET
framr-1728	39	17	vast	vast	ADJ
framr-1728	39	18	variation	variation	NOUN
framr-1728	39	19	of	of	ADP
framr-1728	39	20	high	high	ADJ
framr-1728	39	21	rate	rate	NOUN
framr-1728	39	22	;	;	PUNCT
framr-1728	39	23	this	this	DET
framr-1728	39	24	policy	policy	NOUN
framr-1728	39	25	was	be	AUX
framr-1728	39	26	maintained	maintain	VERB
framr-1728	39	27	and	and	CCONJ
framr-1728	39	28	reconsiders	reconsider	VERB
framr-1728	39	29	some	some	DET
framr-1728	39	30	modification	modification	NOUN
framr-1728	39	31	for	for	ADP
framr-1728	39	32	flexibility	flexibility	NOUN
framr-1728	39	33	.	.	PUNCT
framr-1728	40	1	furthermore	furthermore	ADV
framr-1728	40	2	,	,	PUNCT
framr-1728	40	3	the	the	DET
framr-1728	40	4	situation	situation	NOUN
framr-1728	40	5	remains	remain	VERB
framr-1728	40	6	in	in	ADP
framr-1728	40	7	1996	1996	NUM
framr-1728	40	8	and	and	CCONJ
framr-1728	40	9	1997	1997	NUM
framr-1728	40	10	.	.	PUNCT
framr-1728	41	1	the	the	DET
framr-1728	41	2	regulation	regulation	NOUN
framr-1728	41	3	of	of	ADP
framr-1728	41	4	interest	interest	NOUN
framr-1728	41	5	rate	rate	NOUN
framr-1728	41	6	resulted	result	VERB
framr-1728	41	7	widening	widen	VERB
framr-1728	41	8	the	the	DET
framr-1728	41	9	deposited	deposit	VERB
framr-1728	41	10	interest	interest	NOUN
framr-1728	41	11	gap	gap	NOUN
framr-1728	41	12	under	under	ADP
framr-1728	41	13	the	the	DET
framr-1728	41	14	structural	structural	ADJ
framr-1728	41	15	adjustment	adjustment	NOUN
framr-1728	41	16	program	program	NOUN
framr-1728	41	17	(	(	PUNCT
framr-1728	41	18	sap	sap	PROPN
framr-1728	41	19	)	)	PUNCT
framr-1728	41	20	.	.	PUNCT
framr-1728	42	1	however	however	ADV
framr-1728	42	2	,	,	PUNCT
framr-1728	42	3	some	some	DET
framr-1728	42	4	financial	financial	ADJ
framr-1728	42	5	institutions	institution	NOUN
framr-1728	42	6	argument	argument	VERB
framr-1728	42	7	that	that	SCONJ
framr-1728	42	8	the	the	DET
framr-1728	42	9	cost	cost	NOUN
framr-1728	42	10	of	of	ADP
framr-1728	42	11	funds	fund	NOUN
framr-1728	42	12	will	will	AUX
framr-1728	42	13	be	be	AUX
framr-1728	42	14	rising	rise	VERB
framr-1728	42	15	consider	consider	VERB
framr-1728	42	16	payable	payable	ADJ
framr-1728	42	17	gap	gap	NOUN
framr-1728	42	18	interest	interest	NOUN
framr-1728	42	19	rate	rate	NOUN
framr-1728	42	20	is	be	AUX
framr-1728	42	21	not	not	PART
framr-1728	42	22	tenable	tenable	ADJ
framr-1728	42	23	as	as	ADP
framr-1728	42	24	witness	witness	NOUN
framr-1728	42	25	1989	1989	NUM
framr-1728	42	26	,	,	PUNCT
framr-1728	42	27	as	as	SCONJ
framr-1728	42	28	regards	regard	VERB
framr-1728	42	29	the	the	DET
framr-1728	42	30	payment	payment	NOUN
framr-1728	42	31	of	of	ADP
framr-1728	42	32	current	current	ADJ
framr-1728	42	33	account	account	NOUN
framr-1728	42	34	of	of	ADP
framr-1728	42	35	the	the	DET
framr-1728	42	36	interest	interest	NOUN
framr-1728	42	37	rate	rate	NOUN
framr-1728	42	38	deposits	deposit	NOUN
framr-1728	42	39	,	,	PUNCT
framr-1728	42	40	financial	financial	ADJ
framr-1728	42	41	institutions	institution	NOUN
framr-1728	42	42	welcome	welcome	VERB
framr-1728	42	43	ideas	idea	NOUN
framr-1728	42	44	on	on	ADP
framr-1728	42	45	competing	compete	VERB
framr-1728	42	46	to	to	ADP
framr-1728	42	47	mobilizing	mobilize	VERB
framr-1728	42	48	deposits	deposit	NOUN
framr-1728	42	49	as	as	ADP
framr-1728	42	50	objectives	objective	NOUN
framr-1728	42	51	deregulation	deregulation	NOUN
framr-1728	42	52	of	of	ADP
framr-1728	42	53	interest	interest	NOUN
framr-1728	42	54	rate	rate	NOUN
framr-1728	42	55	under	under	ADP
framr-1728	42	56	(	(	PUNCT
framr-1728	42	57	sap	sap	PROPN
framr-1728	42	58	)	)	PUNCT
framr-1728	42	59	.	.	PUNCT
framr-1728	43	1	2	2	X
framr-1728	43	2	.	.	X
framr-1728	43	3	literature	literature	NOUN
framr-1728	43	4	review	review	NOUN
framr-1728	43	5	interest	interest	NOUN
framr-1728	43	6	rates	rate	NOUN
framr-1728	43	7	are	be	AUX
framr-1728	43	8	the	the	DET
framr-1728	43	9	crucial	crucial	ADJ
framr-1728	43	10	element	element	NOUN
framr-1728	43	11	in	in	ADP
framr-1728	43	12	the	the	DET
framr-1728	43	13	transmission	transmission	NOUN
framr-1728	43	14	of	of	ADP
framr-1728	43	15	monetary	monetary	ADJ
framr-1728	43	16	policy	policy	NOUN
framr-1728	43	17	action	action	NOUN
framr-1728	43	18	for	for	ADP
framr-1728	43	19	both	both	DET
framr-1728	43	20	economics	economic	NOUN
framr-1728	43	21	and	and	CCONJ
framr-1728	43	22	banking	banking	NOUN
framr-1728	43	23	activities	activity	NOUN
framr-1728	43	24	,	,	PUNCT
framr-1728	43	25	adeniran	adeniran	VERB
framr-1728	43	26	et	et	PROPN
framr-1728	43	27	al	al	PROPN
framr-1728	43	28	.	.	PROPN
framr-1728	44	1	(	(	PUNCT
framr-1728	44	2	2014	2014	NUM
framr-1728	44	3	)	)	PUNCT
framr-1728	44	4	.	.	PUNCT
framr-1728	45	1	the	the	DET
framr-1728	45	2	interest	interest	NOUN
framr-1728	45	3	rate	rate	NOUN
framr-1728	45	4	in	in	ADP
framr-1728	45	5	nigeria	nigeria	PROPN
framr-1728	45	6	has	have	AUX
framr-1728	45	7	changed	change	VERB
framr-1728	45	8	for	for	ADP
framr-1728	45	9	example	example	NOUN
framr-1728	45	10	within	within	ADP
framr-1728	45	11	the	the	DET
framr-1728	45	12	time	time	NOUN
framr-1728	45	13	frame	frame	NOUN
framr-1728	45	14	of	of	ADP
framr-1728	45	15	the	the	DET
framr-1728	45	16	regulated	regulated	ADJ
framr-1728	45	17	and	and	CCONJ
framr-1728	45	18	deregulated	deregulated	ADJ
framr-1728	45	19	regime	regime	NOUN
framr-1728	45	20	.	.	PUNCT
framr-1728	46	1	however	however	ADV
framr-1728	46	2	,	,	PUNCT
framr-1728	46	3	the	the	DET
framr-1728	46	4	impact	impact	NOUN
framr-1728	46	5	of	of	ADP
framr-1728	46	6	this	this	DET
framr-1728	46	7	variable	variable	NOUN
framr-1728	46	8	on	on	ADP
framr-1728	46	9	both	both	CCONJ
framr-1728	46	10	the	the	DET
framr-1728	46	11	banking	banking	NOUN
framr-1728	46	12	sector	sector	NOUN
framr-1728	46	13	and	and	CCONJ
framr-1728	46	14	economy	economy	NOUN
framr-1728	46	15	remain	remain	VERB
framr-1728	46	16	controversial	controversial	ADJ
framr-1728	46	17	(	(	PUNCT
framr-1728	46	18	acha	acha	ADJ
framr-1728	46	19	,	,	PUNCT
framr-1728	46	20	2011	2011	NUM
framr-1728	46	21	)	)	PUNCT
framr-1728	46	22	.	.	PUNCT
framr-1728	47	1	according	accord	VERB
framr-1728	47	2	to	to	ADP
framr-1728	47	3	keynes	keynes	PROPN
framr-1728	47	4	(	(	PUNCT
framr-1728	47	5	1923	1923	NUM
framr-1728	47	6	)	)	PUNCT
framr-1728	47	7	an	an	DET
framr-1728	47	8	interest	interest	NOUN
framr-1728	47	9	rate	rate	NOUN
framr-1728	47	10	is	be	AUX
framr-1728	47	11	a	a	DET
framr-1728	47	12	reward	reward	NOUN
framr-1728	47	13	for	for	ADP
framr-1728	47	14	not	not	PART
framr-1728	47	15	hoarding	hoard	VERB
framr-1728	47	16	but	but	CCONJ
framr-1728	47	17	for	for	ADP
framr-1728	47	18	parting	part	VERB
framr-1728	47	19	with	with	ADP
framr-1728	47	20	liquidity	liquidity	NOUN
framr-1728	47	21	for	for	ADP
framr-1728	47	22	a	a	DET
framr-1728	47	23	specific	specific	ADJ
framr-1728	47	24	period	period	NOUN
framr-1728	47	25	of	of	ADP
framr-1728	47	26	time	time	NOUN
framr-1728	47	27	.	.	PUNCT
framr-1728	48	1	this	this	DET
framr-1728	48	2	definition	definition	NOUN
framr-1728	48	3	is	be	AUX
framr-1728	48	4	more	more	ADV
framr-1728	48	5	focused	focused	ADJ
framr-1728	48	6	on	on	ADP
framr-1728	48	7	the	the	DET
framr-1728	48	8	lending	lending	NOUN
framr-1728	48	9	rate	rate	NOUN
framr-1728	48	10	.	.	PUNCT
framr-1728	49	1	adebiyi	adebiyi	NOUN
framr-1728	49	2	(	(	PUNCT
framr-1728	49	3	2002	2002	NUM
framr-1728	49	4	)	)	PUNCT
framr-1728	49	5	an	an	DET
framr-1728	49	6	interest	interest	NOUN
framr-1728	49	7	rate	rate	NOUN
framr-1728	49	8	is	be	AUX
framr-1728	49	9	a	a	DET
framr-1728	49	10	reward	reward	NOUN
framr-1728	49	11	or	or	CCONJ
framr-1728	49	12	yield	yield	VERB
framr-1728	49	13	on	on	ADP
framr-1728	49	14	equity	equity	NOUN
framr-1728	49	15	or	or	CCONJ
framr-1728	49	16	opportunity	opportunity	NOUN
framr-1728	49	17	cost	cost	NOUN
framr-1728	49	18	of	of	ADP
framr-1728	49	19	deferred	defer	VERB
framr-1728	49	20	current	current	ADJ
framr-1728	49	21	consumption	consumption	NOUN
framr-1728	49	22	into	into	ADP
framr-1728	49	23	future	future	NOUN
framr-1728	49	24	.	.	PUNCT
framr-1728	50	1	lerner	lerner	PROPN
framr-1728	50	2	and	and	CCONJ
framr-1728	50	3	jhingan	jhingan	PROPN
framr-1728	50	4	(	(	PUNCT
framr-1728	50	5	2003	2003	NUM
framr-1728	50	6	)	)	PUNCT
framr-1728	50	7	interest	interest	NOUN
framr-1728	50	8	rate	rate	NOUN
framr-1728	50	9	as	as	ADP
framr-1728	50	10	the	the	DET
framr-1728	50	11	price	price	NOUN
framr-1728	50	12	which	which	PRON
framr-1728	50	13	equates	equate	VERB
framr-1728	50	14	the	the	DET
framr-1728	50	15	supply	supply	NOUN
framr-1728	50	16	of	of	ADP
framr-1728	50	17	“	"	PUNCT
framr-1728	50	18	credit	credit	NOUN
framr-1728	50	19	”	"	PUNCT
framr-1728	50	20	plus	plus	CCONJ
framr-1728	50	21	the	the	DET
framr-1728	50	22	net	net	ADJ
framr-1728	50	23	increase	increase	NOUN
framr-1728	50	24	in	in	ADP
framr-1728	50	25	the	the	DET
framr-1728	50	26	amount	amount	NOUN
framr-1728	50	27	of	of	ADP
framr-1728	50	28	money	money	NOUN
framr-1728	50	29	in	in	ADP
framr-1728	50	30	the	the	DET
framr-1728	50	31	period	period	NOUN
framr-1728	50	32	,	,	PUNCT
framr-1728	50	33	to	to	ADP
framr-1728	50	34	the	the	DET
framr-1728	50	35	demand	demand	NOUN
framr-1728	50	36	for	for	ADP
framr-1728	50	37	“	"	PUNCT
framr-1728	50	38	credit	credit	NOUN
framr-1728	50	39	”	"	PUNCT
framr-1728	50	40	plus	plus	CCONJ
framr-1728	50	41	the	the	DET
framr-1728	50	42	net	net	ADJ
framr-1728	50	43	hoarding	hoarding	NOUN
framr-1728	50	44	in	in	ADP
framr-1728	50	45	the	the	DET
framr-1728	50	46	period	period	NOUN
framr-1728	50	47	.	.	PUNCT
framr-1728	51	1	ibimodo	ibimodo	NOUN
framr-1728	51	2	(	(	PUNCT
framr-1728	51	3	2005	2005	NUM
framr-1728	51	4	)	)	PUNCT
framr-1728	51	5	defined	define	VERB
framr-1728	51	6	interest	interest	NOUN
framr-1728	51	7	rate	rate	NOUN
framr-1728	51	8	as	as	ADP
framr-1728	51	9	the	the	DET
framr-1728	51	10	rental	rental	ADJ
framr-1728	51	11	payment	payment	NOUN
framr-1728	51	12	for	for	ADP
framr-1728	51	13	the	the	DET
framr-1728	51	14	use	use	NOUN
framr-1728	51	15	of	of	ADP
framr-1728	51	16	credit	credit	NOUN
framr-1728	51	17	by	by	ADP
framr-1728	51	18	the	the	DET
framr-1728	51	19	borrower	borrower	NOUN
framr-1728	51	20	and	and	CCONJ
framr-1728	51	21	the	the	DET
framr-1728	51	22	return	return	NOUN
framr-1728	51	23	for	for	ADP
framr-1728	51	24	parting	part	VERB
framr-1728	51	25	with	with	ADP
framr-1728	51	26	liquidity	liquidity	NOUN
framr-1728	51	27	by	by	ADP
framr-1728	51	28	the	the	DET
framr-1728	51	29	lender	lender	NOUN
framr-1728	51	30	.	.	PUNCT
framr-1728	52	1	defined	define	VERB
framr-1728	52	2	interest	interest	NOUN
framr-1728	52	3	rate	rate	NOUN
framr-1728	52	4	as	as	ADP
framr-1728	52	5	the	the	DET
framr-1728	52	6	real	real	ADJ
framr-1728	52	7	interest	interest	NOUN
framr-1728	52	8	rate	rate	NOUN
framr-1728	52	9	at	at	ADP
framr-1728	52	10	which	which	PRON
framr-1728	52	11	inflation	inflation	NOUN
framr-1728	52	12	is	be	AUX
framr-1728	52	13	stable	stable	ADJ
framr-1728	52	14	and	and	CCONJ
framr-1728	52	15	the	the	DET
framr-1728	52	16	production	production	NOUN
framr-1728	52	17	gap	gap	NOUN
framr-1728	52	18	equal	equal	ADJ
framr-1728	52	19	to	to	ADP
framr-1728	52	20	zero	zero	NUM
framr-1728	52	21	.	.	PUNCT
framr-1728	53	1	however	however	ADV
framr-1728	53	2	,	,	PUNCT
framr-1728	53	3	allen	allen	PROPN
framr-1728	53	4	(	(	PUNCT
framr-1728	53	5	1977	1977	NUM
framr-1728	53	6	)	)	PUNCT
framr-1728	53	7	state	state	NOUN
framr-1728	53	8	that	that	SCONJ
framr-1728	53	9	the	the	DET
framr-1728	53	10	interest	interest	NOUN
framr-1728	53	11	rate	rate	NOUN
framr-1728	53	12	is	be	AUX
framr-1728	53	13	charged	charge	VERB
framr-1728	53	14	based	base	VERB
framr-1728	53	15	on	on	ADP
framr-1728	53	16	reason	reason	NOUN
framr-1728	53	17	,	,	PUNCT
framr-1728	53	18	but	but	CCONJ
framr-1728	53	19	one	one	NUM
framr-1728	53	20	is	be	AUX
framr-1728	53	21	to	to	PART
framr-1728	53	22	ensure	ensure	VERB
framr-1728	53	23	that	that	SCONJ
framr-1728	53	24	creditor	creditor	NOUN
framr-1728	53	25	lower	low	ADJ
framr-1728	53	26	his	his	PRON
framr-1728	53	27	or	or	CCONJ
framr-1728	53	28	her	her	PRON
framr-1728	53	29	exposure	exposure	NOUN
framr-1728	53	30	to	to	ADP
framr-1728	53	31	inflation	inflation	NOUN
framr-1728	53	32	.	.	PUNCT
framr-1728	54	1	inflation	inflation	NOUN
framr-1728	54	2	causes	cause	VERB
framr-1728	54	3	a	a	DET
framr-1728	54	4	nominal	nominal	ADJ
framr-1728	54	5	amount	amount	NOUN
framr-1728	54	6	of	of	ADP
framr-1728	54	7	money	money	NOUN
framr-1728	54	8	in	in	ADP
framr-1728	54	9	the	the	DET
framr-1728	54	10	present	present	NOUN
framr-1728	54	11	to	to	PART
framr-1728	54	12	have	have	VERB
framr-1728	54	13	less	less	ADJ
framr-1728	54	14	purchasing	purchasing	NOUN
framr-1728	54	15	power	power	NOUN
framr-1728	54	16	in	in	ADP
framr-1728	54	17	the	the	DET
framr-1728	54	18	future	future	NOUN
framr-1728	54	19	.	.	PUNCT
framr-1728	55	1	wurgler	wurgler	NOUN
framr-1728	55	2	(	(	PUNCT
framr-1728	55	3	2000	2000	NUM
framr-1728	55	4	)	)	PUNCT
framr-1728	55	5	said	say	VERB
framr-1728	55	6	that	that	SCONJ
framr-1728	55	7	interest	interest	NOUN
framr-1728	55	8	rate	rate	NOUN
framr-1728	55	9	deregulation	deregulation	NOUN
framr-1728	55	10	leads	lead	VERB
framr-1728	55	11	to	to	ADP
framr-1728	55	12	more	more	ADV
framr-1728	55	13	efficient	efficient	ADJ
framr-1728	55	14	allocation	allocation	NOUN
framr-1728	55	15	in	in	ADP
framr-1728	55	16	the	the	DET
framr-1728	55	17	financial	financial	ADJ
framr-1728	55	18	market	market	NOUN
framr-1728	55	19	.	.	PUNCT
framr-1728	56	1	gan	gan	PROPN
framr-1728	56	2	(	(	PUNCT
framr-1728	56	3	2007	2007	NUM
framr-1728	56	4	)	)	PUNCT
framr-1728	56	5	stated	state	VERB
framr-1728	56	6	that	that	SCONJ
framr-1728	56	7	lending	lending	NOUN
framr-1728	56	8	policy	policy	NOUN
framr-1728	56	9	affects	affect	VERB
framr-1728	56	10	commercial	commercial	ADJ
framr-1728	56	11	bankability	bankability	NOUN
framr-1728	56	12	to	to	PART
framr-1728	56	13	grant	grant	VERB
framr-1728	56	14	a	a	DET
framr-1728	56	15	loan	loan	NOUN
framr-1728	56	16	.	.	PUNCT
framr-1728	57	1	amassoma	amassoma	PROPN
framr-1728	57	2	et	et	PROPN
framr-1728	57	3	al	al	PROPN
framr-1728	57	4	.	.	PROPN
framr-1728	58	1	(	(	PUNCT
framr-1728	58	2	2011	2011	NUM
framr-1728	58	3	)	)	PUNCT
framr-1728	58	4	indicate	indicate	VERB
framr-1728	58	5	that	that	SCONJ
framr-1728	58	6	deregulation	deregulation	NOUN
framr-1728	58	7	affects	affect	VERB
framr-1728	58	8	the	the	DET
framr-1728	58	9	bankability	bankability	NOUN
framr-1728	58	10	to	to	ADP
framr-1728	58	11	grand	grand	ADJ
framr-1728	58	12	loan	loan	NOUN
framr-1728	58	13	.	.	PUNCT
framr-1728	59	1	financial	financial	ADJ
framr-1728	59	2	risk	risk	NOUN
framr-1728	59	3	and	and	CCONJ
framr-1728	59	4	management	management	NOUN
framr-1728	59	5	reviews	review	NOUN
framr-1728	59	6	,	,	PUNCT
framr-1728	59	7	2019	2019	NUM
framr-1728	59	8	,	,	PUNCT
framr-1728	59	9	5(1	5(1	NUM
framr-1728	59	10	):	):	PUNCT
framr-1728	59	11	1	1	NUM
framr-1728	59	12	-	-	SYM
framr-1728	59	13	9	9	NUM
framr-1728	59	14	3	3	NUM
framr-1728	59	15	©	©	PROPN
framr-1728	59	16	2019	2019	NUM
framr-1728	59	17	conscientia	conscientia	PROPN
framr-1728	59	18	beam	beam	PROPN
framr-1728	59	19	.	.	PUNCT
framr-1728	60	1	all	all	DET
framr-1728	60	2	rights	right	NOUN
framr-1728	60	3	reserved	reserve	VERB
framr-1728	60	4	.	.	PUNCT
framr-1728	61	1	2.1	2.1	NUM
framr-1728	61	2	.	.	PUNCT
framr-1728	61	3	management	management	NOUN
framr-1728	61	4	of	of	ADP
framr-1728	61	5	interest	interest	NOUN
framr-1728	61	6	rate	rate	NOUN
framr-1728	61	7	in	in	ADP
framr-1728	61	8	1962	1962	NUM
framr-1728	61	9	,	,	PUNCT
framr-1728	61	10	the	the	DET
framr-1728	61	11	interest	interest	NOUN
framr-1728	61	12	rate	rate	NOUN
framr-1728	61	13	was	be	AUX
framr-1728	61	14	introduced	introduce	VERB
framr-1728	61	15	an	an	DET
framr-1728	61	16	instrument	instrument	NOUN
framr-1728	61	17	of	of	ADP
framr-1728	61	18	monetary	monetary	ADJ
framr-1728	61	19	policy	policy	NOUN
framr-1728	61	20	after	after	ADP
framr-1728	61	21	the	the	DET
framr-1728	61	22	introduction	introduction	NOUN
framr-1728	61	23	of	of	ADP
framr-1728	61	24	the	the	DET
framr-1728	61	25	monetary	monetary	ADJ
framr-1728	61	26	market	market	NOUN
framr-1728	61	27	;	;	PUNCT
framr-1728	61	28	interest	interest	NOUN
framr-1728	61	29	rate	rate	NOUN
framr-1728	61	30	was	be	AUX
framr-1728	61	31	made	make	VERB
framr-1728	61	32	competitive	competitive	ADJ
framr-1728	61	33	to	to	PART
framr-1728	61	34	ensure	ensure	VERB
framr-1728	61	35	repatriation	repatriation	NOUN
framr-1728	61	36	in	in	ADP
framr-1728	61	37	and	and	CCONJ
framr-1728	61	38	abroad	abroad	ADV
framr-1728	61	39	.	.	PUNCT
framr-1728	62	1	furthermore	furthermore	ADV
framr-1728	62	2	,	,	PUNCT
framr-1728	62	3	the	the	DET
framr-1728	62	4	high	high	ADJ
framr-1728	62	5	government	government	NOUN
framr-1728	62	6	borrowing	borrowing	NOUN
framr-1728	62	7	at	at	ADP
framr-1728	62	8	that	that	DET
framr-1728	62	9	time	time	NOUN
framr-1728	62	10	reduced	reduce	VERB
framr-1728	62	11	to	to	ADP
framr-1728	62	12	the	the	DET
framr-1728	62	13	minimum	minimum	ADJ
framr-1728	62	14	cost	cost	NOUN
framr-1728	62	15	of	of	ADP
framr-1728	62	16	public	public	ADJ
framr-1728	62	17	debt	debt	NOUN
framr-1728	62	18	.	.	PUNCT
framr-1728	63	1	in	in	ADP
framr-1728	63	2	the	the	DET
framr-1728	63	3	1960s	1960	NOUN
framr-1728	63	4	,	,	PUNCT
framr-1728	63	5	interest	interest	NOUN
framr-1728	63	6	played	play	VERB
framr-1728	63	7	a	a	DET
framr-1728	63	8	significant	significant	ADJ
framr-1728	63	9	and	and	CCONJ
framr-1728	63	10	dominant	dominant	ADJ
framr-1728	63	11	role	role	NOUN
framr-1728	63	12	in	in	ADP
framr-1728	63	13	enhancing	enhance	VERB
framr-1728	63	14	and	and	CCONJ
framr-1728	63	15	managing	manage	VERB
framr-1728	63	16	the	the	DET
framr-1728	63	17	monetary	monetary	ADJ
framr-1728	63	18	policy	policy	NOUN
framr-1728	63	19	of	of	ADP
framr-1728	63	20	the	the	DET
framr-1728	63	21	federal	federal	ADJ
framr-1728	63	22	government	government	NOUN
framr-1728	63	23	.	.	PUNCT
framr-1728	64	1	therefore	therefore	ADV
framr-1728	64	2	,	,	PUNCT
framr-1728	64	3	the	the	DET
framr-1728	64	4	structural	structural	ADJ
framr-1728	64	5	adjustment	adjustment	NOUN
framr-1728	64	6	programmed	program	VERB
framr-1728	64	7	(	(	PUNCT
framr-1728	64	8	sap	sap	PROPN
framr-1728	64	9	)	)	PUNCT
framr-1728	64	10	was	be	AUX
framr-1728	64	11	introduced	introduce	VERB
framr-1728	64	12	with	with	ADP
framr-1728	64	13	comprehensive	comprehensive	ADJ
framr-1728	64	14	economic	economic	ADJ
framr-1728	64	15	restructuring	restructuring	NOUN
framr-1728	64	16	in	in	ADP
framr-1728	64	17	1968	1968	NUM
framr-1728	64	18	.	.	PUNCT
framr-1728	65	1	however	however	ADV
framr-1728	65	2	,	,	PUNCT
framr-1728	65	3	the	the	DET
framr-1728	65	4	government	government	NOUN
framr-1728	65	5	emphasized	emphasize	VERB
framr-1728	65	6	the	the	DET
framr-1728	65	7	reliance	reliance	NOUN
framr-1728	65	8	of	of	ADP
framr-1728	65	9	market	market	NOUN
framr-1728	65	10	forces	force	NOUN
framr-1728	65	11	,	,	PUNCT
framr-1728	65	12	which	which	PRON
framr-1728	65	13	imitated	imitate	VERB
framr-1728	65	14	some	some	DET
framr-1728	65	15	resolution	resolution	NOUN
framr-1728	65	16	reforms	reform	NOUN
framr-1728	65	17	to	to	ADP
framr-1728	65	18	structural	structural	ADJ
framr-1728	65	19	amendments	amendment	NOUN
framr-1728	65	20	of	of	ADP
framr-1728	65	21	monetary	monetary	ADJ
framr-1728	65	22	policy	policy	NOUN
framr-1728	65	23	.	.	PUNCT
framr-1728	66	1	the	the	DET
framr-1728	66	2	interest	interest	NOUN
framr-1728	66	3	rate	rate	NOUN
framr-1728	66	4	and	and	CCONJ
framr-1728	66	5	foreign	foreign	ADJ
framr-1728	66	6	exchange	exchange	NOUN
framr-1728	66	7	were	be	AUX
framr-1728	66	8	both	both	ADV
framr-1728	66	9	important	important	ADJ
framr-1728	66	10	in	in	ADP
framr-1728	66	11	market	market	NOUN
framr-1728	66	12	liberation	liberation	NOUN
framr-1728	66	13	and	and	CCONJ
framr-1728	66	14	the	the	DET
framr-1728	66	15	financial	financial	ADJ
framr-1728	66	16	institution	institution	NOUN
framr-1728	66	17	sector	sector	NOUN
framr-1728	66	18	(	(	PUNCT
framr-1728	66	19	fischer	fischer	NOUN
framr-1728	66	20	,	,	PUNCT
framr-1728	66	21	1997	1997	NUM
framr-1728	66	22	)	)	PUNCT
framr-1728	66	23	.	.	PUNCT
framr-1728	67	1	the	the	DET
framr-1728	67	2	interest	interest	NOUN
framr-1728	67	3	rate	rate	NOUN
framr-1728	67	4	has	have	VERB
framr-1728	67	5	an	an	DET
framr-1728	67	6	important	important	ADJ
framr-1728	67	7	role	role	NOUN
framr-1728	67	8	in	in	ADP
framr-1728	67	9	managing	manage	VERB
framr-1728	67	10	monetary	monetary	ADJ
framr-1728	67	11	policy	policy	NOUN
framr-1728	67	12	as	as	ADP
framr-1728	67	13	one	one	NUM
framr-1728	67	14	of	of	ADP
framr-1728	67	15	the	the	DET
framr-1728	67	16	instruments	instrument	NOUN
framr-1728	67	17	uploaded	upload	VERB
framr-1728	67	18	by	by	ADP
framr-1728	67	19	the	the	DET
framr-1728	67	20	central	central	ADJ
framr-1728	67	21	bank	bank	PROPN
framr-1728	67	22	of	of	ADP
framr-1728	67	23	nigeria	nigeria	PROPN
framr-1728	67	24	that	that	PRON
framr-1728	67	25	was	be	AUX
framr-1728	67	26	based	base	VERB
framr-1728	67	27	on	on	ADP
framr-1728	67	28	two	two	NUM
framr-1728	67	29	assumptions	assumption	NOUN
framr-1728	67	30	;	;	PUNCT
framr-1728	67	31	regulation	regulation	NOUN
framr-1728	67	32	of	of	ADP
framr-1728	67	33	the	the	DET
framr-1728	67	34	interest	interest	NOUN
framr-1728	67	35	rate	rate	NOUN
framr-1728	67	36	and	and	CCONJ
framr-1728	67	37	partial	partial	ADJ
framr-1728	67	38	deregulation	deregulation	NOUN
framr-1728	67	39	as	as	ADP
framr-1728	67	40	interest	interest	NOUN
framr-1728	67	41	rate	rate	NOUN
framr-1728	67	42	remained	remain	VERB
framr-1728	67	43	one	one	NUM
framr-1728	67	44	of	of	ADP
framr-1728	67	45	the	the	DET
framr-1728	67	46	instruments	instrument	NOUN
framr-1728	67	47	of	of	ADP
framr-1728	67	48	monetary	monetary	ADJ
framr-1728	67	49	policy	policy	NOUN
framr-1728	67	50	of	of	ADP
framr-1728	67	51	the	the	DET
framr-1728	67	52	federal	federal	ADJ
framr-1728	67	53	government	government	NOUN
framr-1728	67	54	annual	annual	ADJ
framr-1728	67	55	budget	budget	NOUN
framr-1728	67	56	document	document	NOUN
framr-1728	67	57	or	or	CCONJ
framr-1728	67	58	the	the	DET
framr-1728	67	59	monetary	monetary	ADJ
framr-1728	67	60	/	/	SYM
framr-1728	67	61	credit	credit	NOUN
framr-1728	67	62	policy	policy	NOUN
framr-1728	67	63	circular	circular	NOUN
framr-1728	67	64	of	of	ADP
framr-1728	67	65	the	the	DET
framr-1728	67	66	central	central	ADJ
framr-1728	67	67	bank	bank	PROPN
framr-1728	67	68	of	of	ADP
framr-1728	67	69	nigeria	nigeria	PROPN
framr-1728	67	70	from	from	ADP
framr-1728	67	71	time	time	NOUN
framr-1728	67	72	to	to	ADP
framr-1728	67	73	time	time	NOUN
framr-1728	67	74	.	.	PUNCT
framr-1728	68	1	in	in	ADP
framr-1728	68	2	august	august	PROPN
framr-1728	68	3	1987	1987	NUM
framr-1728	68	4	,	,	PUNCT
framr-1728	68	5	the	the	DET
framr-1728	68	6	central	central	ADJ
framr-1728	68	7	bank	bank	PROPN
framr-1728	68	8	of	of	ADP
framr-1728	68	9	nigeria	nigeria	PROPN
framr-1728	68	10	liberalized	liberalize	VERB
framr-1728	68	11	the	the	DET
framr-1728	68	12	interest	interest	NOUN
framr-1728	68	13	rate	rate	NOUN
framr-1728	68	14	regime	regime	NOUN
framr-1728	68	15	and	and	CCONJ
framr-1728	68	16	adopted	adopt	VERB
framr-1728	68	17	the	the	DET
framr-1728	68	18	policy	policy	NOUN
framr-1728	68	19	of	of	ADP
framr-1728	68	20	fixing	fix	VERB
framr-1728	68	21	only	only	ADV
framr-1728	68	22	its	its	PRON
framr-1728	68	23	minimum	minimum	ADJ
framr-1728	68	24	rediscount	rediscount	NOUN
framr-1728	68	25	rate	rate	NOUN
framr-1728	68	26	(	(	PUNCT
framr-1728	68	27	mrr	mrr	PROPN
framr-1728	68	28	)	)	PUNCT
framr-1728	68	29	.	.	PUNCT
framr-1728	69	1	this	this	PRON
framr-1728	69	2	was	be	AUX
framr-1728	69	3	however	however	ADV
framr-1728	69	4	modified	modify	VERB
framr-1728	69	5	in	in	ADP
framr-1728	69	6	1989	1989	NUM
framr-1728	69	7	when	when	SCONJ
framr-1728	69	8	the	the	DET
framr-1728	69	9	central	central	ADJ
framr-1728	69	10	bank	bank	PROPN
framr-1728	69	11	of	of	ADP
framr-1728	69	12	nigeria	nigeria	PROPN
framr-1728	69	13	cbn	cbn	PROPN
framr-1728	69	14	issues	issue	VERB
framr-1728	69	15	a	a	DET
framr-1728	69	16	further	further	ADJ
framr-1728	69	17	directive	directive	NOUN
framr-1728	69	18	on	on	ADP
framr-1728	69	19	the	the	DET
framr-1728	69	20	required	require	VERB
framr-1728	69	21	spread	spread	NOUN
framr-1728	69	22	between	between	ADP
framr-1728	69	23	deposit	deposit	NOUN
framr-1728	69	24	and	and	CCONJ
framr-1728	69	25	lending	lending	NOUN
framr-1728	69	26	rate	rate	NOUN
framr-1728	69	27	(	(	PUNCT
framr-1728	69	28	therrell	therrell	INTJ
framr-1728	69	29	et	et	PROPN
framr-1728	69	30	al	al	PROPN
framr-1728	69	31	.	.	PROPN
framr-1728	69	32	,	,	PUNCT
framr-1728	69	33	2012	2012	NUM
framr-1728	69	34	)	)	PUNCT
framr-1728	69	35	.	.	PUNCT
framr-1728	70	1	partial	partial	ADJ
framr-1728	70	2	deregulation	deregulation	NOUN
framr-1728	70	3	was	be	AUX
framr-1728	70	4	restored	restore	VERB
framr-1728	70	5	in	in	ADP
framr-1728	70	6	1992	1992	NUM
framr-1728	70	7	when	when	SCONJ
framr-1728	70	8	financial	financial	ADJ
framr-1728	70	9	institutions	institution	NOUN
framr-1728	70	10	were	be	AUX
framr-1728	70	11	required	require	VERB
framr-1728	70	12	to	to	PART
framr-1728	70	13	only	only	ADV
framr-1728	70	14	maintain	maintain	VERB
framr-1728	70	15	lending	lending	NOUN
framr-1728	70	16	rates	rate	NOUN
framr-1728	70	17	.	.	PUNCT
framr-1728	71	1	the	the	DET
framr-1728	71	2	central	central	ADJ
framr-1728	71	3	bank	bank	PROPN
framr-1728	71	4	of	of	ADP
framr-1728	71	5	nigeria	nigeria	PROPN
framr-1728	71	6	announced	announce	VERB
framr-1728	71	7	the	the	DET
framr-1728	71	8	removal	removal	NOUN
framr-1728	71	9	of	of	ADP
framr-1728	71	10	maximum	maximum	ADJ
framr-1728	71	11	lending	lending	NOUN
framr-1728	71	12	in	in	ADP
framr-1728	71	13	1993	1993	NUM
framr-1728	71	14	,	,	PUNCT
framr-1728	71	15	the	the	DET
framr-1728	71	16	inflation	inflation	NOUN
framr-1728	71	17	interest	interest	NOUN
framr-1728	71	18	rate	rate	NOUN
framr-1728	71	19	started	started	AUX
framr-1728	71	20	rising	rise	VERB
framr-1728	71	21	to	to	ADP
framr-1728	71	22	an	an	DET
framr-1728	71	23	unprecedented	unprecedented	ADJ
framr-1728	71	24	level	level	NOUN
framr-1728	71	25	,	,	PUNCT
framr-1728	71	26	which	which	PRON
framr-1728	71	27	made	make	VERB
framr-1728	71	28	the	the	DET
framr-1728	71	29	banks	bank	NOUN
framr-1728	71	30	lending	lending	NOUN
framr-1728	71	31	rate	rate	NOUN
framr-1728	71	32	high	high	ADJ
framr-1728	71	33	and	and	CCONJ
framr-1728	71	34	volatile	volatile	ADJ
framr-1728	71	35	that	that	PRON
framr-1728	71	36	led	lead	VERB
framr-1728	71	37	to	to	ADP
framr-1728	71	38	the	the	DET
framr-1728	71	39	fiscal	fiscal	ADJ
framr-1728	71	40	deficit	deficit	NOUN
framr-1728	71	41	of	of	ADP
framr-1728	71	42	the	the	DET
framr-1728	71	43	government	government	NOUN
framr-1728	71	44	and	and	CCONJ
framr-1728	71	45	rose	rise	VERB
framr-1728	71	46	of	of	ADP
framr-1728	71	47	inflation	inflation	NOUN
framr-1728	71	48	(	(	PUNCT
framr-1728	71	49	frankel	frankel	NOUN
framr-1728	71	50	,	,	PUNCT
framr-1728	71	51	1979	1979	NUM
framr-1728	71	52	)	)	PUNCT
framr-1728	71	53	.	.	PUNCT
framr-1728	72	1	however	however	ADV
framr-1728	72	2	,	,	PUNCT
framr-1728	72	3	the	the	DET
framr-1728	72	4	policy	policy	NOUN
framr-1728	72	5	to	to	PART
framr-1728	72	6	maintain	maintain	VERB
framr-1728	72	7	money	money	NOUN
framr-1728	72	8	in	in	ADP
framr-1728	72	9	circulation	circulation	NOUN
framr-1728	72	10	is	be	AUX
framr-1728	72	11	the	the	DET
framr-1728	72	12	prior	prior	ADJ
framr-1728	72	13	objective	objective	NOUN
framr-1728	72	14	that	that	SCONJ
framr-1728	72	15	economic	economic	ADJ
framr-1728	72	16	growth	growth	NOUN
framr-1728	72	17	targeted	target	VERB
framr-1728	72	18	and	and	CCONJ
framr-1728	72	19	maintains	maintain	VERB
framr-1728	72	20	the	the	DET
framr-1728	72	21	level	level	NOUN
framr-1728	72	22	of	of	ADP
framr-1728	72	23	interest	interest	NOUN
framr-1728	72	24	rate	rate	NOUN
framr-1728	72	25	and	and	CCONJ
framr-1728	72	26	inflation	inflation	NOUN
framr-1728	72	27	required	require	VERB
framr-1728	72	28	.	.	PUNCT
framr-1728	73	1	in	in	ADP
framr-1728	73	2	1997	1997	NUM
framr-1728	73	3	,	,	PUNCT
framr-1728	73	4	the	the	DET
framr-1728	73	5	policy	policy	NOUN
framr-1728	73	6	of	of	ADP
framr-1728	73	7	interest	interest	NOUN
framr-1728	73	8	rate	rate	NOUN
framr-1728	73	9	deregulation	deregulation	NOUN
framr-1728	73	10	retained	retain	VERB
framr-1728	73	11	.	.	PUNCT
framr-1728	74	1	then	then	ADV
framr-1728	74	2	,	,	PUNCT
framr-1728	74	3	the	the	DET
framr-1728	74	4	beginning	beginning	NOUN
framr-1728	74	5	of	of	ADP
framr-1728	74	6	the	the	DET
framr-1728	74	7	year	year	NOUN
framr-1728	74	8	was	be	AUX
framr-1728	74	9	stabled	stable	VERB
framr-1728	74	10	in	in	ADP
framr-1728	74	11	rate	rate	NOUN
framr-1728	74	12	that	that	PRON
framr-1728	74	13	abolished	abolish	VERB
framr-1728	74	14	the	the	DET
framr-1728	74	15	statement	statement	NOUN
framr-1728	74	16	undermined	undermine	VERB
framr-1728	74	17	the	the	DET
framr-1728	74	18	power	power	NOUN
framr-1728	74	19	of	of	ADP
framr-1728	74	20	interest	interest	NOUN
framr-1728	74	21	rate	rate	NOUN
framr-1728	74	22	fallen	fall	VERB
framr-1728	74	23	that	that	PRON
framr-1728	74	24	also	also	ADV
framr-1728	74	25	contributed	contribute	VERB
framr-1728	74	26	declined	decline	VERB
framr-1728	74	27	deposit	deposit	NOUN
framr-1728	74	28	rate	rate	NOUN
framr-1728	74	29	in	in	ADP
framr-1728	74	30	the	the	DET
framr-1728	74	31	commercial	commercial	ADJ
framr-1728	74	32	banks	bank	NOUN
framr-1728	74	33	from	from	ADP
framr-1728	74	34	the	the	DET
framr-1728	74	35	10.1	10.1	NUM
framr-1728	74	36	%	%	NOUN
framr-1728	74	37	percent	percent	NOUN
framr-1728	74	38	to	to	ADP
framr-1728	74	39	7.5	7.5	NUM
framr-1728	74	40	%	%	NOUN
framr-1728	74	41	and	and	CCONJ
framr-1728	74	42	later	later	ADV
framr-1728	74	43	to	to	ADP
framr-1728	74	44	5.6	5.6	NUM
framr-1728	74	45	%	%	NOUN
framr-1728	74	46	at	at	ADP
framr-1728	74	47	the	the	DET
framr-1728	74	48	end	end	NOUN
framr-1728	74	49	of	of	ADP
framr-1728	74	50	april	april	PROPN
framr-1728	74	51	1997	1997	NUM
framr-1728	74	52	(	(	PUNCT
framr-1728	74	53	fung	fung	PROPN
framr-1728	74	54	and	and	CCONJ
framr-1728	74	55	hsieh	hsieh	PROPN
framr-1728	74	56	,	,	PUNCT
framr-1728	74	57	2000	2000	NUM
framr-1728	74	58	)	)	PUNCT
framr-1728	74	59	.	.	PUNCT
framr-1728	75	1	the	the	DET
framr-1728	75	2	monetary	monetary	ADJ
framr-1728	75	3	and	and	CCONJ
framr-1728	75	4	other	other	ADJ
framr-1728	75	5	financial	financial	ADJ
framr-1728	75	6	system	system	NOUN
framr-1728	75	7	policies	policy	NOUN
framr-1728	75	8	were	be	AUX
framr-1728	75	9	created	create	VERB
framr-1728	75	10	to	to	PART
framr-1728	75	11	manage	manage	VERB
framr-1728	75	12	and	and	CCONJ
framr-1728	75	13	maintain	maintain	VERB
framr-1728	75	14	the	the	DET
framr-1728	75	15	internal	internal	ADJ
framr-1728	75	16	and	and	CCONJ
framr-1728	75	17	external	external	ADJ
framr-1728	75	18	balance	balance	NOUN
framr-1728	75	19	of	of	ADP
framr-1728	75	20	financial	financial	ADJ
framr-1728	75	21	institution	institution	NOUN
framr-1728	75	22	and	and	CCONJ
framr-1728	75	23	lead	lead	VERB
framr-1728	75	24	to	to	ADP
framr-1728	75	25	the	the	DET
framr-1728	75	26	primarily	primarily	ADV
framr-1728	75	27	maintain	maintain	VERB
framr-1728	75	28	inflation	inflation	NOUN
framr-1728	75	29	rate	rate	NOUN
framr-1728	75	30	at	at	ADP
framr-1728	75	31	single	single	ADJ
framr-1728	75	32	digit	digit	NOUN
framr-1728	75	33	in	in	ADP
framr-1728	75	34	order	order	NOUN
framr-1728	75	35	to	to	PART
framr-1728	75	36	achieve	achieve	VERB
framr-1728	75	37	the	the	DET
framr-1728	75	38	objective	objective	NOUN
framr-1728	75	39	.	.	PUNCT
framr-1728	76	1	similarly	similarly	ADV
framr-1728	76	2	,	,	PUNCT
framr-1728	76	3	monetary	monetary	ADJ
framr-1728	76	4	policies	policy	NOUN
framr-1728	76	5	focused	focus	VERB
framr-1728	76	6	on	on	ADP
framr-1728	76	7	dealing	deal	VERB
framr-1728	76	8	with	with	ADP
framr-1728	76	9	excess	excess	ADJ
framr-1728	76	10	liquidity	liquidity	NOUN
framr-1728	76	11	and	and	CCONJ
framr-1728	76	12	enhancing	enhance	VERB
framr-1728	76	13	the	the	DET
framr-1728	76	14	viability	viability	NOUN
framr-1728	76	15	of	of	ADP
framr-1728	76	16	the	the	DET
framr-1728	76	17	sector	sector	NOUN
framr-1728	76	18	as	as	ADV
framr-1728	76	19	well	well	ADV
framr-1728	76	20	as	as	ADP
framr-1728	76	21	the	the	DET
framr-1728	76	22	stability	stability	NOUN
framr-1728	76	23	of	of	ADP
framr-1728	76	24	the	the	DET
framr-1728	76	25	financial	financial	ADJ
framr-1728	76	26	system	system	NOUN
framr-1728	76	27	.	.	PUNCT
framr-1728	77	1	other	other	ADJ
framr-1728	77	2	important	important	ADJ
framr-1728	77	3	objectives	objective	NOUN
framr-1728	77	4	of	of	ADP
framr-1728	77	5	deregulation	deregulation	NOUN
framr-1728	77	6	of	of	ADP
framr-1728	77	7	interest	interest	NOUN
framr-1728	77	8	rate	rate	NOUN
framr-1728	77	9	enhancement	enhancement	NOUN
framr-1728	77	10	growth	growth	NOUN
framr-1728	77	11	of	of	ADP
framr-1728	77	12	the	the	DET
framr-1728	77	13	economy	economy	NOUN
framr-1728	77	14	and	and	CCONJ
framr-1728	77	15	drastically	drastically	ADV
framr-1728	77	16	reduced	reduce	VERB
framr-1728	77	17	unemployment	unemployment	NOUN
framr-1728	77	18	.	.	PUNCT
framr-1728	78	1	according	accord	VERB
framr-1728	78	2	to	to	ADP
framr-1728	78	3	central	central	ADJ
framr-1728	78	4	bank	bank	PROPN
framr-1728	78	5	of	of	ADP
framr-1728	78	6	nigeria	nigeria	PROPN
framr-1728	78	7	(	(	PUNCT
framr-1728	78	8	1978	1978	NUM
framr-1728	78	9	)	)	PUNCT
framr-1728	78	10	rated	rate	VERB
framr-1728	78	11	the	the	DET
framr-1728	78	12	financial	financial	ADJ
framr-1728	78	13	performance	performance	NOUN
framr-1728	78	14	indicated	indicate	VERB
framr-1728	78	15	deposit	deposit	NOUN
framr-1728	78	16	lending	lending	NOUN
framr-1728	78	17	rate	rate	NOUN
framr-1728	78	18	fluctuates	fluctuate	NOUN
framr-1728	78	19	downwards	downwards	ADV
framr-1728	78	20	and	and	CCONJ
framr-1728	78	21	liquidity	liquidity	NOUN
framr-1728	78	22	beetle	beetle	NOUN
framr-1728	78	23	in	in	ADP
framr-1728	78	24	the	the	DET
framr-1728	78	25	financial	financial	ADJ
framr-1728	78	26	institution	institution	NOUN
framr-1728	78	27	with	with	ADP
framr-1728	78	28	the	the	DET
framr-1728	78	29	reduction	reduction	NOUN
framr-1728	78	30	percentage	percentage	NOUN
framr-1728	78	31	of	of	ADP
framr-1728	78	32	18	18	NUM
framr-1728	78	33	%	%	NOUN
framr-1728	78	34	to	to	PART
framr-1728	78	35	14	14	NUM
framr-1728	78	36	%	%	NOUN
framr-1728	78	37	,	,	PUNCT
framr-1728	78	38	liquidity	liquidity	NOUN
framr-1728	78	39	ratio	ratio	NOUN
framr-1728	78	40	from	from	ADP
framr-1728	78	41	40	40	NUM
framr-1728	78	42	%	%	NOUN
framr-1728	78	43	to	to	PART
framr-1728	78	44	35	35	NUM
framr-1728	78	45	%	%	NOUN
framr-1728	78	46	and	and	CCONJ
framr-1728	78	47	cash	cash	NOUN
framr-1728	78	48	reserve	reserve	NOUN
framr-1728	78	49	ratio	ratio	NOUN
framr-1728	78	50	(	(	PUNCT
framr-1728	78	51	crr	crr	PROPN
framr-1728	78	52	)	)	PUNCT
framr-1728	78	53	.	.	PUNCT
framr-1728	79	1	on	on	ADP
framr-1728	79	2	5th	5th	ADJ
framr-1728	79	3	june	june	PROPN
framr-1728	79	4	2007	2007	NUM
framr-1728	79	5	,	,	PUNCT
framr-1728	79	6	the	the	DET
framr-1728	79	7	monetary	monetary	ADJ
framr-1728	79	8	policy	policy	NOUN
framr-1728	79	9	committee	committee	PROPN
framr-1728	79	10	(	(	PUNCT
framr-1728	79	11	mpc	mpc	PROPN
framr-1728	79	12	)	)	PUNCT
framr-1728	79	13	reviewed	review	VERB
framr-1728	79	14	the	the	DET
framr-1728	79	15	major	major	ADJ
framr-1728	79	16	development	development	NOUN
framr-1728	79	17	and	and	CCONJ
framr-1728	79	18	implementation	implementation	NOUN
framr-1728	79	19	of	of	ADP
framr-1728	79	20	monetary	monetary	ADJ
framr-1728	79	21	and	and	CCONJ
framr-1728	79	22	fiscal	fiscal	ADJ
framr-1728	79	23	as	as	ADV
framr-1728	79	24	well	well	ADV
framr-1728	79	25	as	as	ADP
framr-1728	79	26	challenges	challenge	NOUN
framr-1728	79	27	of	of	ADP
framr-1728	79	28	exchange	exchange	NOUN
framr-1728	79	29	rate	rate	NOUN
framr-1728	79	30	policies	policy	NOUN
framr-1728	79	31	in	in	ADP
framr-1728	79	32	microeconomic	microeconomic	ADJ
framr-1728	79	33	performance	performance	NOUN
framr-1728	79	34	and	and	CCONJ
framr-1728	79	35	satisfaction	satisfaction	NOUN
framr-1728	79	36	2.2	2.2	NUM
framr-1728	79	37	.	.	PUNCT
framr-1728	80	1	classical	classical	ADJ
framr-1728	80	2	theory	theory	NOUN
framr-1728	80	3	of	of	ADP
framr-1728	80	4	interest	interest	NOUN
framr-1728	80	5	rate	rate	NOUN
framr-1728	80	6	according	accord	VERB
framr-1728	80	7	to	to	ADP
framr-1728	80	8	the	the	DET
framr-1728	80	9	classical	classical	ADJ
framr-1728	80	10	theory	theory	NOUN
framr-1728	80	11	of	of	ADP
framr-1728	80	12	interest	interest	NOUN
framr-1728	80	13	rate	rate	NOUN
framr-1728	80	14	is	be	AUX
framr-1728	80	15	determined	determine	VERB
framr-1728	80	16	fork	fork	NOUN
framr-1728	80	17	circle	circle	NOUN
framr-1728	80	18	of	of	ADP
framr-1728	80	19	the	the	DET
framr-1728	80	20	investment	investment	NOUN
framr-1728	80	21	demand	demand	NOUN
framr-1728	80	22	and	and	CCONJ
framr-1728	80	23	saving	saving	NOUN
framr-1728	80	24	schedule	schedule	NOUN
framr-1728	80	25	.	.	PUNCT
framr-1728	81	1	this	this	PRON
framr-1728	81	2	is	be	AUX
framr-1728	81	3	disclosing	disclose	VERB
framr-1728	81	4	the	the	DET
framr-1728	81	5	connection	connection	NOUN
framr-1728	81	6	between	between	ADP
framr-1728	81	7	saving	saving	NOUN
framr-1728	81	8	and	and	CCONJ
framr-1728	81	9	investment	investment	NOUN
framr-1728	81	10	to	to	ADP
framr-1728	81	11	the	the	DET
framr-1728	81	12	relation	relation	NOUN
framr-1728	81	13	of	of	ADP
framr-1728	81	14	interest	interest	NOUN
framr-1728	81	15	rate	rate	NOUN
framr-1728	81	16	.	.	PUNCT
framr-1728	82	1	similarly	similarly	ADV
framr-1728	82	2	,	,	PUNCT
framr-1728	82	3	the	the	DET
framr-1728	82	4	solution	solution	NOUN
framr-1728	82	5	to	to	ADP
framr-1728	82	6	the	the	DET
framr-1728	82	7	saving	saving	NOUN
framr-1728	82	8	and	and	CCONJ
framr-1728	82	9	investment	investment	NOUN
framr-1728	82	10	were	be	AUX
framr-1728	82	11	varied	varied	ADJ
framr-1728	82	12	to	to	ADP
framr-1728	82	13	a	a	DET
framr-1728	82	14	level	level	NOUN
framr-1728	82	15	of	of	ADP
framr-1728	82	16	real	real	ADJ
framr-1728	82	17	income	income	NOUN
framr-1728	82	18	and	and	CCONJ
framr-1728	82	19	a	a	DET
framr-1728	82	20	solution	solution	NOUN
framr-1728	82	21	that	that	PRON
framr-1728	82	22	will	will	AUX
framr-1728	82	23	not	not	PART
framr-1728	82	24	be	be	AUX
framr-1728	82	25	,	,	PUNCT
framr-1728	82	26	if	if	SCONJ
framr-1728	82	27	the	the	DET
framr-1728	82	28	investment	investment	NOUN
framr-1728	82	29	opportunity	opportunity	NOUN
framr-1728	82	30	is	be	AUX
framr-1728	82	31	not	not	PART
framr-1728	82	32	there	there	ADV
framr-1728	82	33	.	.	PUNCT
framr-1728	83	1	keynesian	keynesian	ADJ
framr-1728	83	2	,	,	PUNCT
framr-1728	83	3	attack	attack	VERB
framr-1728	83	4	the	the	DET
framr-1728	83	5	classical	classical	ADJ
framr-1728	83	6	theory	theory	NOUN
framr-1728	83	7	of	of	ADP
framr-1728	83	8	interest	interest	NOUN
framr-1728	83	9	rate	rate	NOUN
framr-1728	83	10	by	by	ADP
framr-1728	83	11	signifying	signify	VERB
framr-1728	83	12	the	the	DET
framr-1728	83	13	ground	ground	NOUN
framr-1728	83	14	of	of	ADP
framr-1728	83	15	undetermined	undetermined	ADJ
framr-1728	83	16	from	from	ADP
framr-1728	83	17	the	the	DET
framr-1728	83	18	income	income	NOUN
framr-1728	83	19	rise	rise	NOUN
framr-1728	83	20	,	,	PUNCT
framr-1728	83	21	while	while	SCONJ
framr-1728	83	22	the	the	DET
framr-1728	83	23	saving	saving	NOUN
framr-1728	83	24	schedule	schedule	NOUN
framr-1728	83	25	will	will	AUX
framr-1728	83	26	shift	shift	VERB
framr-1728	83	27	to	to	ADP
framr-1728	83	28	another	another	DET
framr-1728	83	29	direction	direction	NOUN
framr-1728	83	30	.	.	PUNCT
framr-1728	84	1	hence	hence	ADV
framr-1728	84	2	,	,	PUNCT
framr-1728	84	3	the	the	DET
framr-1728	84	4	determination	determination	NOUN
framr-1728	84	5	of	of	ADP
framr-1728	84	6	the	the	DET
framr-1728	84	7	rate	rate	NOUN
framr-1728	84	8	of	of	ADP
framr-1728	84	9	interest	interest	NOUN
framr-1728	84	10	will	will	AUX
framr-1728	84	11	not	not	PART
framr-1728	84	12	be	be	AUX
framr-1728	84	13	,	,	PUNCT
framr-1728	84	14	unless	unless	SCONJ
framr-1728	84	15	the	the	DET
framr-1728	84	16	income	income	NOUN
framr-1728	84	17	level	level	NOUN
framr-1728	84	18	is	be	AUX
framr-1728	84	19	been	be	AUX
framr-1728	84	20	specified	specify	VERB
framr-1728	84	21	and	and	CCONJ
framr-1728	84	22	also	also	ADV
framr-1728	84	23	the	the	DET
framr-1728	84	24	rate	rate	NOUN
framr-1728	84	25	of	of	ADP
framr-1728	84	26	interest	interest	NOUN
framr-1728	84	27	,	,	PUNCT
framr-1728	84	28	since	since	SCONJ
framr-1728	84	29	a	a	DET
framr-1728	84	30	lower	low	ADJ
framr-1728	84	31	interest	interest	NOUN
framr-1728	84	32	rate	rate	NOUN
framr-1728	84	33	attract	attract	VERB
framr-1728	84	34	the	the	DET
framr-1728	84	35	larger	large	ADJ
framr-1728	84	36	volume	volume	NOUN
framr-1728	84	37	of	of	ADP
framr-1728	84	38	investment	investment	NOUN
framr-1728	84	39	but	but	CCONJ
framr-1728	84	40	a	a	DET
framr-1728	84	41	higher	high	ADJ
framr-1728	84	42	level	level	NOUN
framr-1728	84	43	of	of	ADP
framr-1728	84	44	real	real	ADJ
framr-1728	84	45	income	income	NOUN
framr-1728	84	46	,	,	PUNCT
framr-1728	84	47	the	the	DET
framr-1728	84	48	classical	classical	ADJ
framr-1728	84	49	theory	theory	NOUN
framr-1728	84	50	fails	fail	VERB
framr-1728	84	51	to	to	PART
framr-1728	84	52	offer	offer	VERB
framr-1728	84	53	a	a	DET
framr-1728	84	54	solution	solution	NOUN
framr-1728	84	55	.	.	PUNCT
framr-1728	85	1	financial	financial	ADJ
framr-1728	85	2	risk	risk	NOUN
framr-1728	85	3	and	and	CCONJ
framr-1728	85	4	management	management	NOUN
framr-1728	85	5	reviews	review	NOUN
framr-1728	85	6	,	,	PUNCT
framr-1728	85	7	2019	2019	NUM
framr-1728	85	8	,	,	PUNCT
framr-1728	85	9	5(1	5(1	NUM
framr-1728	85	10	):	):	PUNCT
framr-1728	85	11	1	1	NUM
framr-1728	85	12	-	-	SYM
framr-1728	85	13	9	9	NUM
framr-1728	85	14	4	4	NUM
framr-1728	85	15	©	©	PROPN
framr-1728	85	16	2019	2019	NUM
framr-1728	85	17	conscientia	conscientia	PROPN
framr-1728	85	18	beam	beam	PROPN
framr-1728	85	19	.	.	PUNCT
framr-1728	86	1	all	all	DET
framr-1728	86	2	rights	right	NOUN
framr-1728	86	3	reserved	reserve	VERB
framr-1728	86	4	.	.	PUNCT
framr-1728	87	1	2.3	2.3	NUM
framr-1728	87	2	.	.	PUNCT
framr-1728	88	1	the	the	DET
framr-1728	88	2	keynesian	keynesian	ADJ
framr-1728	88	3	theory	theory	NOUN
framr-1728	88	4	of	of	ADP
framr-1728	88	5	interest	interest	NOUN
framr-1728	88	6	rate	rate	NOUN
framr-1728	88	7	determination	determination	NOUN
framr-1728	88	8	this	this	DET
framr-1728	88	9	theory	theory	NOUN
framr-1728	88	10	posits	posit	VERB
framr-1728	88	11	that	that	SCONJ
framr-1728	88	12	“	"	PUNCT
framr-1728	88	13	the	the	DET
framr-1728	88	14	rate	rate	NOUN
framr-1728	88	15	of	of	ADP
framr-1728	88	16	interests	interest	NOUN
framr-1728	88	17	determined	determine	VERB
framr-1728	88	18	by	by	ADP
framr-1728	88	19	the	the	DET
framr-1728	88	20	intersection	intersection	NOUN
framr-1728	88	21	of	of	ADP
framr-1728	88	22	the	the	DET
framr-1728	88	23	supply	supply	NOUN
framr-1728	88	24	schedule	schedule	NOUN
framr-1728	88	25	of	of	ADP
framr-1728	88	26	money	money	NOUN
framr-1728	88	27	and	and	CCONJ
framr-1728	88	28	the	the	DET
framr-1728	88	29	demand	demand	NOUN
framr-1728	88	30	schedule	schedule	NOUN
framr-1728	88	31	for	for	ADP
framr-1728	88	32	money	money	NOUN
framr-1728	88	33	.	.	PUNCT
framr-1728	89	1	however	however	ADV
framr-1728	89	2	,	,	PUNCT
framr-1728	89	3	this	this	DET
framr-1728	89	4	analysis	analysis	NOUN
framr-1728	89	5	is	be	AUX
framr-1728	89	6	also	also	ADV
framr-1728	89	7	undetermined	undetermined	ADJ
framr-1728	89	8	because	because	SCONJ
framr-1728	89	9	the	the	DET
framr-1728	89	10	liquidity	liquidity	NOUN
framr-1728	89	11	preference	preference	NOUN
framr-1728	89	12	schedule	schedule	NOUN
framr-1728	89	13	will	will	AUX
framr-1728	89	14	shift	shift	VERB
framr-1728	89	15	up	up	ADV
framr-1728	89	16	or	or	CCONJ
framr-1728	89	17	down	down	ADV
framr-1728	89	18	with	with	ADP
framr-1728	89	19	a	a	DET
framr-1728	89	20	change	change	NOUN
framr-1728	89	21	in	in	ADP
framr-1728	89	22	the	the	DET
framr-1728	89	23	income	income	NOUN
framr-1728	89	24	level	level	NOUN
framr-1728	89	25	”	"	PUNCT
framr-1728	89	26	.	.	PUNCT
framr-1728	90	1	thus	thus	ADV
framr-1728	90	2	,	,	PUNCT
framr-1728	90	3	money	money	NOUN
framr-1728	90	4	supply	supply	NOUN
framr-1728	90	5	and	and	CCONJ
framr-1728	90	6	the	the	DET
framr-1728	90	7	demand	demand	NOUN
framr-1728	90	8	scheduled	schedule	VERB
framr-1728	90	9	can	can	AUX
framr-1728	90	10	not	not	PART
framr-1728	90	11	give	give	VERB
framr-1728	90	12	the	the	DET
framr-1728	90	13	rate	rate	NOUN
framr-1728	90	14	of	of	ADP
framr-1728	90	15	interest	interest	NOUN
framr-1728	90	16	unless	unless	SCONJ
framr-1728	90	17	we	we	PRON
framr-1728	90	18	already	already	ADV
framr-1728	90	19	know	know	VERB
framr-1728	90	20	the	the	DET
framr-1728	90	21	income	income	NOUN
framr-1728	90	22	level	level	NOUN
framr-1728	90	23	hence	hence	ADV
framr-1728	90	24	,	,	PUNCT
framr-1728	90	25	the	the	DET
framr-1728	90	26	same	same	ADJ
framr-1728	90	27	criticism	criticism	NOUN
framr-1728	90	28	of	of	ADP
framr-1728	90	29	indeterminacy	indeterminacy	NOUN
framr-1728	90	30	keynes	keyne	NOUN
framr-1728	90	31	leveled	level	VERB
framr-1728	90	32	against	against	ADP
framr-1728	90	33	the	the	DET
framr-1728	90	34	classics	classic	NOUN
framr-1728	90	35	is	be	AUX
framr-1728	90	36	applicable	applicable	ADJ
framr-1728	90	37	to	to	ADP
framr-1728	90	38	his	his	PRON
framr-1728	90	39	theory	theory	NOUN
framr-1728	90	40	.	.	PUNCT
framr-1728	91	1	2.4	2.4	NUM
framr-1728	91	2	.	.	PUNCT
framr-1728	92	1	the	the	DET
framr-1728	92	2	loanable	loanable	ADJ
framr-1728	92	3	theory	theory	NOUN
framr-1728	92	4	of	of	ADP
framr-1728	92	5	interest	interest	NOUN
framr-1728	92	6	rate	rate	NOUN
framr-1728	92	7	determination	determination	NOUN
framr-1728	92	8	according	accord	VERB
framr-1728	92	9	to	to	ADP
framr-1728	92	10	the	the	DET
framr-1728	92	11	loanable	loanable	ADJ
framr-1728	92	12	funds	fund	NOUN
framr-1728	92	13	'	'	PART
framr-1728	92	14	theory	theory	NOUN
framr-1728	92	15	of	of	ADP
framr-1728	92	16	dennis	dennis	PROPN
framr-1728	92	17	h	h	PROPN
framr-1728	92	18	robertson	robertson	PROPN
framr-1728	92	19	,	,	PUNCT
framr-1728	92	20	“	"	PUNCT
framr-1728	92	21	the	the	DET
framr-1728	92	22	rate	rate	NOUN
framr-1728	92	23	of	of	ADP
framr-1728	92	24	interests	interest	NOUN
framr-1728	92	25	is	be	AUX
framr-1728	92	26	determined	determine	VERB
framr-1728	92	27	by	by	ADP
framr-1728	92	28	the	the	DET
framr-1728	92	29	intersection	intersection	NOUN
framr-1728	92	30	of	of	ADP
framr-1728	92	31	the	the	DET
framr-1728	92	32	demand	demand	NOUN
framr-1728	92	33	and	and	CCONJ
framr-1728	92	34	the	the	DET
framr-1728	92	35	supply	supply	NOUN
framr-1728	92	36	schedule	schedule	NOUN
framr-1728	92	37	of	of	ADP
framr-1728	92	38	the	the	DET
framr-1728	92	39	loanable	loanable	ADJ
framr-1728	92	40	funds	fund	NOUN
framr-1728	92	41	.	.	PUNCT
framr-1728	93	1	here	here	ADV
framr-1728	93	2	,	,	PUNCT
framr-1728	93	3	the	the	DET
framr-1728	93	4	supply	supply	NOUN
framr-1728	93	5	schedule	schedule	NOUN
framr-1728	93	6	is	be	AUX
framr-1728	93	7	compounded	compound	VERB
framr-1728	93	8	of	of	ADP
framr-1728	93	9	saving	save	VERB
framr-1728	93	10	plus	plus	CCONJ
framr-1728	93	11	net	net	ADJ
framr-1728	93	12	addition	addition	NOUN
framr-1728	93	13	to	to	ADP
framr-1728	93	14	loanable	loanable	ADJ
framr-1728	93	15	funds	fund	NOUN
framr-1728	93	16	from	from	ADP
framr-1728	93	17	the	the	DET
framr-1728	93	18	new	new	ADJ
framr-1728	93	19	money	money	NOUN
framr-1728	93	20	and	and	CCONJ
framr-1728	93	21	the	the	DET
framr-1728	93	22	dishoarding	dishoarding	NOUN
framr-1728	93	23	of	of	ADP
framr-1728	93	24	the	the	DET
framr-1728	93	25	idle	idle	ADJ
framr-1728	93	26	balance	balance	NOUN
framr-1728	93	27	”	"	PUNCT
framr-1728	93	28	.	.	PUNCT
framr-1728	94	1	however	however	ADV
framr-1728	94	2	,	,	PUNCT
framr-1728	94	3	since	since	SCONJ
framr-1728	94	4	the	the	DET
framr-1728	94	5	saving	saving	NOUN
framr-1728	94	6	portion	portion	NOUN
framr-1728	94	7	of	of	ADP
framr-1728	94	8	the	the	DET
framr-1728	94	9	schedules	schedule	NOUN
framr-1728	94	10	varies	vary	VERB
framr-1728	94	11	with	with	ADP
framr-1728	94	12	the	the	DET
framr-1728	94	13	level	level	NOUN
framr-1728	94	14	of	of	ADP
framr-1728	94	15	disposable	disposable	ADJ
framr-1728	94	16	income	income	NOUN
framr-1728	94	17	,	,	PUNCT
framr-1728	94	18	it	it	PRON
framr-1728	94	19	fellow	fellow	VERB
framr-1728	94	20	that	that	SCONJ
framr-1728	94	21	the	the	DET
framr-1728	94	22	total	total	ADJ
framr-1728	94	23	supply	supply	NOUN
framr-1728	94	24	schedule	schedule	NOUN
framr-1728	94	25	of	of	ADP
framr-1728	94	26	loanable	loanable	ADJ
framr-1728	94	27	funds	fund	NOUN
framr-1728	94	28	also	also	ADV
framr-1728	94	29	varies	vary	VERB
framr-1728	94	30	with	with	ADP
framr-1728	94	31	income	income	NOUN
framr-1728	94	32	.	.	PUNCT
framr-1728	95	1	2.5	2.5	NUM
framr-1728	95	2	.	.	PUNCT
framr-1728	96	1	neo	neo	NOUN
framr-1728	96	2	classical	classical	ADJ
framr-1728	96	3	theory	theory	NOUN
framr-1728	96	4	of	of	ADP
framr-1728	96	5	interest	interest	NOUN
framr-1728	96	6	rate	rate	NOUN
framr-1728	96	7	determination	determination	NOUN
framr-1728	96	8	in	in	ADP
framr-1728	96	9	the	the	DET
framr-1728	96	10	pigouvian	pigouvian	ADJ
framr-1728	96	11	statement	statement	NOUN
framr-1728	96	12	,	,	PUNCT
framr-1728	96	13	"	"	PUNCT
framr-1728	96	14	the	the	DET
framr-1728	96	15	interest	interest	NOUN
framr-1728	96	16	rate	rate	NOUN
framr-1728	96	17	is	be	AUX
framr-1728	96	18	determined	determine	VERB
framr-1728	96	19	by	by	ADP
framr-1728	96	20	the	the	DET
framr-1728	96	21	intersection	intersection	NOUN
framr-1728	96	22	of	of	ADP
framr-1728	96	23	demand	demand	NOUN
framr-1728	96	24	schedule	schedule	NOUN
framr-1728	96	25	of	of	ADP
framr-1728	96	26	money	money	NOUN
framr-1728	96	27	and	and	CCONJ
framr-1728	96	28	the	the	DET
framr-1728	96	29	supply	supply	NOUN
framr-1728	96	30	schedule	schedule	NOUN
framr-1728	96	31	of	of	ADP
framr-1728	96	32	saving	saving	NOUN
framr-1728	96	33	”	"	PUNCT
framr-1728	96	34	.	.	PUNCT
framr-1728	97	1	here	here	ADV
framr-1728	97	2	the	the	DET
framr-1728	97	3	pertinent	pertinent	ADJ
framr-1728	97	4	supply	supply	NOUN
framr-1728	97	5	booked	book	VERB
framr-1728	97	6	is	be	AUX
framr-1728	97	7	imagined	imagine	VERB
framr-1728	97	8	as	as	ADV
framr-1728	97	9	far	far	ADV
framr-1728	97	10	as	as	ADP
framr-1728	97	11	sparing	spare	VERB
framr-1728	97	12	out	out	ADP
framr-1728	97	13	of	of	ADP
framr-1728	97	14	current	current	ADJ
framr-1728	97	15	income	income	NOUN
framr-1728	97	16	,	,	PUNCT
framr-1728	97	17	i.e.	i.e.	X
framr-1728	97	18	the	the	DET
framr-1728	97	19	abundance	abundance	NOUN
framr-1728	97	20	of	of	ADP
framr-1728	97	21	aggregate	aggregate	ADJ
framr-1728	97	22	pay	pay	NOUN
framr-1728	97	23	from	from	ADP
framr-1728	97	24	services	service	NOUN
framr-1728	97	25	in	in	ADP
framr-1728	97	26	accommodating	accommodate	VERB
framr-1728	97	27	utilization	utilization	NOUN
framr-1728	97	28	.	.	PUNCT
framr-1728	98	1	accordingly	accordingly	ADV
framr-1728	98	2	,	,	PUNCT
framr-1728	98	3	income	income	NOUN
framr-1728	98	4	,	,	PUNCT
framr-1728	98	5	utilization	utilization	NOUN
framr-1728	98	6	,	,	PUNCT
framr-1728	98	7	and	and	CCONJ
framr-1728	98	8	saving	saving	NOUN
framr-1728	98	9	,	,	PUNCT
framr-1728	98	10	all	all	PRON
framr-1728	98	11	apply	apply	VERB
framr-1728	98	12	to	to	ADP
framr-1728	98	13	a	a	DET
framr-1728	98	14	similar	similar	ADJ
framr-1728	98	15	period	period	NOUN
framr-1728	98	16	,	,	PUNCT
framr-1728	98	17	be	be	AUX
framr-1728	98	18	that	that	SCONJ
framr-1728	98	19	as	as	SCONJ
framr-1728	98	20	it	it	PRON
framr-1728	98	21	may	may	AUX
framr-1728	98	22	,	,	PUNCT
framr-1728	98	23	regardless	regardless	ADV
framr-1728	98	24	of	of	ADP
framr-1728	98	25	whether	whether	SCONJ
framr-1728	98	26	current	current	ADJ
framr-1728	98	27	income	income	NOUN
framr-1728	98	28	bolstered	bolster	VERB
framr-1728	98	29	in	in	ADP
framr-1728	98	30	past	past	NOUN
framr-1728	98	31	from	from	ADP
framr-1728	98	32	infusion	infusion	NOUN
framr-1728	98	33	of	of	ADP
framr-1728	98	34	new	new	ADJ
framr-1728	98	35	money	money	NOUN
framr-1728	98	36	from	from	ADP
framr-1728	98	37	the	the	DET
framr-1728	98	38	viewpoint	viewpoint	NOUN
framr-1728	98	39	of	of	ADP
framr-1728	98	40	the	the	DET
framr-1728	98	41	pigouvian	pigouvian	ADJ
framr-1728	98	42	or	or	CCONJ
framr-1728	98	43	neoclassical	neoclassical	ADJ
framr-1728	98	44	definition	definition	NOUN
framr-1728	98	45	.	.	PUNCT
framr-1728	99	1	that	that	PRON
framr-1728	99	2	is	be	AUX
framr-1728	99	3	income	income	NOUN
framr-1728	99	4	whether	whether	SCONJ
framr-1728	99	5	it	it	PRON
framr-1728	99	6	springs	spring	VERB
framr-1728	99	7	from	from	ADP
framr-1728	99	8	the	the	DET
framr-1728	99	9	spending	spending	NOUN
framr-1728	99	10	of	of	ADP
framr-1728	99	11	assets	asset	NOUN
framr-1728	99	12	obtained	obtain	VERB
framr-1728	99	13	from	from	ADP
framr-1728	99	14	bank	bank	NOUN
framr-1728	99	15	credit	credit	NOUN
framr-1728	99	16	assumed	assume	VERB
framr-1728	99	17	a	a	DET
framr-1728	99	18	job	job	NOUN
framr-1728	99	19	during	during	ADP
framr-1728	99	20	the	the	DET
framr-1728	99	21	time	time	NOUN
framr-1728	99	22	spent	spend	VERB
framr-1728	99	23	in	in	ADP
framr-1728	99	24	income	income	NOUN
framr-1728	99	25	creation	creation	NOUN
framr-1728	99	26	.	.	PUNCT
framr-1728	100	1	in	in	ADP
framr-1728	100	2	this	this	DET
framr-1728	100	3	manner	manner	NOUN
framr-1728	100	4	,	,	PUNCT
framr-1728	100	5	in	in	ADP
framr-1728	100	6	the	the	DET
framr-1728	100	7	neoclassical	neoclassical	ADJ
framr-1728	100	8	or	or	CCONJ
framr-1728	100	9	pigouvian	pigouvian	ADJ
framr-1728	100	10	theory	theory	NOUN
framr-1728	100	11	'	'	PUNCT
framr-1728	100	12	reserve	reserve	PROPN
framr-1728	100	13	funds	fund	NOUN
framr-1728	100	14	'	'	PART
framr-1728	100	15	is	be	AUX
framr-1728	100	16	in	in	ADP
framr-1728	100	17	actuality	actuality	NOUN
framr-1728	100	18	indistinguishable	indistinguishable	ADJ
framr-1728	100	19	thing	thing	NOUN
framr-1728	100	20	from	from	ADP
framr-1728	100	21	loanable	loanable	ADJ
framr-1728	100	22	assets	asset	NOUN
framr-1728	100	23	thus	thus	ADV
framr-1728	100	24	similar	similar	ADJ
framr-1728	100	25	reactions	reaction	NOUN
framr-1728	100	26	apply	apply	VERB
framr-1728	100	27	to	to	ADP
framr-1728	100	28	them	they	PRON
framr-1728	100	29	.	.	PUNCT
framr-1728	101	1	3	3	X
framr-1728	101	2	.	.	X
framr-1728	101	3	methodology	methodology	NOUN
framr-1728	101	4	data	datum	NOUN
framr-1728	101	5	for	for	ADP
framr-1728	101	6	this	this	DET
framr-1728	101	7	study	study	NOUN
framr-1728	101	8	were	be	AUX
framr-1728	101	9	accessed	access	VERB
framr-1728	101	10	from	from	ADP
framr-1728	101	11	the	the	DET
framr-1728	101	12	primary	primary	ADJ
framr-1728	101	13	data	datum	NOUN
framr-1728	101	14	through	through	ADP
framr-1728	101	15	the	the	DET
framr-1728	101	16	field	field	NOUN
framr-1728	101	17	survey	survey	NOUN
framr-1728	101	18	using	use	VERB
framr-1728	101	19	a	a	DET
framr-1728	101	20	structured	structured	ADJ
framr-1728	101	21	questionnaire	questionnaire	NOUN
framr-1728	101	22	as	as	ADP
framr-1728	101	23	a	a	DET
framr-1728	101	24	major	major	ADJ
framr-1728	101	25	research	research	NOUN
framr-1728	101	26	instrument	instrument	NOUN
framr-1728	101	27	.	.	PUNCT
framr-1728	102	1	on	on	ADP
framr-1728	102	2	the	the	DET
framr-1728	102	3	other	other	ADJ
framr-1728	102	4	hand	hand	NOUN
framr-1728	102	5	,	,	PUNCT
framr-1728	102	6	were	be	AUX
framr-1728	102	7	obtained	obtain	VERB
framr-1728	102	8	from	from	ADP
framr-1728	102	9	relevant	relevant	ADJ
framr-1728	102	10	stakeholders	stakeholder	NOUN
framr-1728	102	11	and	and	CCONJ
framr-1728	102	12	expertise	expertise	NOUN
framr-1728	102	13	in	in	ADP
framr-1728	102	14	the	the	DET
framr-1728	102	15	field	field	NOUN
framr-1728	102	16	of	of	ADP
framr-1728	102	17	financial	financial	ADJ
framr-1728	102	18	institutions	institution	NOUN
framr-1728	102	19	for	for	ADP
framr-1728	102	20	the	the	DET
framr-1728	102	21	data	data	NOUN
framr-1728	102	22	collection	collection	NOUN
framr-1728	102	23	.	.	PUNCT
framr-1728	103	1	as	as	ADP
framr-1728	103	2	a	a	DET
framr-1728	103	3	result	result	NOUN
framr-1728	103	4	of	of	ADP
framr-1728	103	5	the	the	DET
framr-1728	103	6	inability	inability	NOUN
framr-1728	103	7	of	of	ADP
framr-1728	103	8	the	the	DET
framr-1728	103	9	researcher	researcher	NOUN
framr-1728	103	10	to	to	PART
framr-1728	103	11	effectively	effectively	ADV
framr-1728	103	12	study	study	VERB
framr-1728	103	13	the	the	DET
framr-1728	103	14	whole	whole	ADJ
framr-1728	103	15	bank	bank	NOUN
framr-1728	103	16	under	under	ADP
framr-1728	103	17	study	study	NOUN
framr-1728	103	18	,	,	PUNCT
framr-1728	103	19	a	a	DET
framr-1728	103	20	representative	representative	ADJ
framr-1728	103	21	number	number	NOUN
framr-1728	103	22	was	be	AUX
framr-1728	103	23	chosen	choose	VERB
framr-1728	103	24	as	as	ADP
framr-1728	103	25	the	the	DET
framr-1728	103	26	sample	sample	NOUN
framr-1728	103	27	size	size	NOUN
framr-1728	103	28	population	population	NOUN
framr-1728	103	29	.	.	PUNCT
framr-1728	104	1	one	one	NUM
framr-1728	104	2	hundred	hundred	NUM
framr-1728	104	3	(	(	PUNCT
framr-1728	104	4	100	100	NUM
framr-1728	104	5	)	)	PUNCT
framr-1728	104	6	people	people	NOUN
framr-1728	104	7	were	be	AUX
framr-1728	104	8	used	use	VERB
framr-1728	104	9	as	as	ADP
framr-1728	104	10	the	the	DET
framr-1728	104	11	sample	sample	NOUN
framr-1728	104	12	size	size	NOUN
framr-1728	104	13	.	.	PUNCT
framr-1728	105	1	some	some	DET
framr-1728	105	2	number	number	NOUN
framr-1728	105	3	of	of	ADP
framr-1728	105	4	individuals	individual	NOUN
framr-1728	105	5	were	be	AUX
framr-1728	105	6	been	be	AUX
framr-1728	105	7	selected	select	VERB
framr-1728	105	8	from	from	ADP
framr-1728	105	9	the	the	DET
framr-1728	105	10	five	five	NUM
framr-1728	105	11	(	(	PUNCT
framr-1728	105	12	5	5	NUM
framr-1728	105	13	)	)	PUNCT
framr-1728	105	14	different	different	ADJ
framr-1728	105	15	banks	bank	NOUN
framr-1728	105	16	(	(	PUNCT
framr-1728	105	17	gtbank	gtbank	PROPN
framr-1728	105	18	,	,	PUNCT
framr-1728	105	19	first	first	ADJ
framr-1728	105	20	bank	bank	NOUN
framr-1728	105	21	,	,	PUNCT
framr-1728	105	22	access	access	NOUN
framr-1728	105	23	bank	bank	NOUN
framr-1728	105	24	,	,	PUNCT
framr-1728	105	25	unity	unity	NOUN
framr-1728	105	26	and	and	CCONJ
framr-1728	105	27	union	union	PROPN
framr-1728	105	28	bank	bank	PROPN
framr-1728	105	29	)	)	PUNCT
framr-1728	105	30	and	and	CCONJ
framr-1728	105	31	20	20	NUM
framr-1728	105	32	respondents	respondent	NOUN
framr-1728	105	33	from	from	ADP
framr-1728	105	34	those	those	DET
framr-1728	105	35	banks	bank	NOUN
framr-1728	105	36	,	,	PUNCT
framr-1728	105	37	which	which	PRON
framr-1728	105	38	they	they	PRON
framr-1728	105	39	were	be	AUX
framr-1728	105	40	classified	classify	VERB
framr-1728	105	41	as	as	ADP
framr-1728	105	42	expert	expert	NOUN
framr-1728	105	43	in	in	ADP
framr-1728	105	44	the	the	DET
framr-1728	105	45	field	field	NOUN
framr-1728	105	46	.	.	PUNCT
framr-1728	106	1	one	one	NUM
framr-1728	106	2	hundred	hundred	NUM
framr-1728	106	3	(	(	PUNCT
framr-1728	106	4	100	100	NUM
framr-1728	106	5	)	)	PUNCT
framr-1728	106	6	questionnaires	questionnaire	NOUN
framr-1728	106	7	were	be	AUX
framr-1728	106	8	considered	consider	VERB
framr-1728	106	9	as	as	ADP
framr-1728	106	10	the	the	DET
framr-1728	106	11	sample	sample	NOUN
framr-1728	106	12	size	size	NOUN
framr-1728	106	13	of	of	ADP
framr-1728	106	14	the	the	DET
framr-1728	106	15	populations	population	NOUN
framr-1728	106	16	.	.	PUNCT
framr-1728	107	1	3.1	3.1	NUM
framr-1728	107	2	.	.	PUNCT
framr-1728	107	3	method	method	NOUN
framr-1728	107	4	of	of	ADP
framr-1728	107	5	analysis	analysis	NOUN
framr-1728	107	6	the	the	DET
framr-1728	107	7	data	datum	NOUN
framr-1728	107	8	collected	collect	VERB
framr-1728	107	9	was	be	AUX
framr-1728	107	10	efficiently	efficiently	ADV
framr-1728	107	11	analyzed	analyze	VERB
framr-1728	107	12	for	for	ADP
framr-1728	107	13	easy	easy	ADJ
framr-1728	107	14	management	management	NOUN
framr-1728	107	15	and	and	CCONJ
framr-1728	107	16	accuracy	accuracy	NOUN
framr-1728	107	17	.	.	PUNCT
framr-1728	108	1	similarly	similarly	ADV
framr-1728	108	2	,	,	PUNCT
framr-1728	108	3	the	the	DET
framr-1728	108	4	analytical	analytical	ADJ
framr-1728	108	5	tools	tool	NOUN
framr-1728	108	6	used	use	VERB
framr-1728	108	7	for	for	ADP
framr-1728	108	8	the	the	DET
framr-1728	108	9	research	research	NOUN
framr-1728	108	10	was	be	AUX
framr-1728	108	11	descriptive	descriptive	ADJ
framr-1728	108	12	and	and	CCONJ
framr-1728	108	13	correlation	correlation	NOUN
framr-1728	108	14	those	those	PRON
framr-1728	108	15	were	be	AUX
framr-1728	108	16	used	use	VERB
framr-1728	108	17	to	to	PART
framr-1728	108	18	justifies	justify	VERB
framr-1728	108	19	the	the	DET
framr-1728	108	20	relationship	relationship	NOUN
framr-1728	108	21	between	between	ADP
framr-1728	108	22	the	the	DET
framr-1728	108	23	variables	variable	NOUN
framr-1728	108	24	as	as	SCONJ
framr-1728	108	25	predicted	predict	VERB
framr-1728	108	26	and	and	CCONJ
framr-1728	108	27	also	also	ADV
framr-1728	108	28	reached	reach	VERB
framr-1728	108	29	conclusion	conclusion	NOUN
framr-1728	108	30	for	for	ADP
framr-1728	108	31	determining	determine	VERB
framr-1728	108	32	the	the	DET
framr-1728	108	33	critical	critical	ADJ
framr-1728	108	34	value	value	NOUN
framr-1728	108	35	of	of	ADP
framr-1728	108	36	the	the	DET
framr-1728	108	37	research	research	NOUN
framr-1728	108	38	.	.	PUNCT
framr-1728	109	1	4	4	X
framr-1728	109	2	.	.	X
framr-1728	109	3	data	datum	NOUN
framr-1728	109	4	analysis	analysis	NOUN
framr-1728	109	5	,	,	PUNCT
framr-1728	109	6	finding	finding	NOUN
framr-1728	109	7	and	and	CCONJ
framr-1728	109	8	discussion	discussion	NOUN
framr-1728	109	9	this	this	DET
framr-1728	109	10	section	section	NOUN
framr-1728	109	11	explored	explore	VERB
framr-1728	109	12	the	the	DET
framr-1728	109	13	study	study	NOUN
framr-1728	109	14	presentation	presentation	NOUN
framr-1728	109	15	and	and	CCONJ
framr-1728	109	16	analysis	analysis	NOUN
framr-1728	109	17	of	of	ADP
framr-1728	109	18	the	the	DET
framr-1728	109	19	research	research	NOUN
framr-1728	109	20	result	result	NOUN
framr-1728	109	21	as	as	SCONJ
framr-1728	109	22	gathered	gather	VERB
framr-1728	109	23	through	through	ADP
framr-1728	109	24	questionnaires	questionnaire	NOUN
framr-1728	109	25	.	.	PUNCT
framr-1728	110	1	the	the	DET
framr-1728	110	2	data	datum	NOUN
framr-1728	110	3	collected	collect	VERB
framr-1728	110	4	from	from	ADP
framr-1728	110	5	the	the	DET
framr-1728	110	6	research	research	NOUN
framr-1728	110	7	were	be	AUX
framr-1728	110	8	arraigned	arraign	VERB
framr-1728	110	9	based	base	VERB
framr-1728	110	10	on	on	ADP
framr-1728	110	11	the	the	DET
framr-1728	110	12	need	need	NOUN
framr-1728	110	13	and	and	CCONJ
framr-1728	110	14	description	description	NOUN
framr-1728	110	15	of	of	ADP
framr-1728	110	16	the	the	DET
framr-1728	110	17	study	study	NOUN
framr-1728	110	18	.	.	PUNCT
framr-1728	111	1	the	the	DET
framr-1728	111	2	demography	demography	NOUN
framr-1728	111	3	and	and	CCONJ
framr-1728	111	4	correlation	correlation	NOUN
framr-1728	111	5	information	information	NOUN
framr-1728	111	6	was	be	AUX
framr-1728	111	7	presented	present	VERB
framr-1728	111	8	in	in	ADP
framr-1728	111	9	the	the	DET
framr-1728	111	10	section	section	NOUN
framr-1728	111	11	as	as	SCONJ
framr-1728	111	12	adopted	adopt	VERB
framr-1728	111	13	to	to	PART
framr-1728	111	14	test	test	VERB
framr-1728	111	15	the	the	DET
framr-1728	111	16	research	research	NOUN
framr-1728	111	17	questions	question	NOUN
framr-1728	111	18	.	.	PUNCT
framr-1728	112	1	financial	financial	ADJ
framr-1728	112	2	risk	risk	NOUN
framr-1728	112	3	and	and	CCONJ
framr-1728	112	4	management	management	NOUN
framr-1728	112	5	reviews	review	NOUN
framr-1728	112	6	,	,	PUNCT
framr-1728	112	7	2019	2019	NUM
framr-1728	112	8	,	,	PUNCT
framr-1728	112	9	5(1	5(1	NUM
framr-1728	112	10	):	):	PUNCT
framr-1728	112	11	1	1	NUM
framr-1728	112	12	-	-	SYM
framr-1728	112	13	9	9	NUM
framr-1728	112	14	5	5	NUM
framr-1728	112	15	©	©	PROPN
framr-1728	112	16	2019	2019	NUM
framr-1728	112	17	conscientia	conscientia	PROPN
framr-1728	112	18	beam	beam	PROPN
framr-1728	112	19	.	.	PUNCT
framr-1728	113	1	all	all	DET
framr-1728	113	2	rights	right	NOUN
framr-1728	113	3	reserved	reserve	VERB
framr-1728	113	4	.	.	PUNCT
framr-1728	114	1	4.1	4.1	NUM
framr-1728	114	2	.	.	PUNCT
framr-1728	114	3	demographic	demographic	ADJ
framr-1728	114	4	analysis	analysis	NOUN
framr-1728	114	5	table-1	table-1	NUM
framr-1728	114	6	.	.	PUNCT
framr-1728	115	1	gender	gender	NOUN
framr-1728	115	2	of	of	ADP
framr-1728	115	3	respondents	respondent	NOUN
framr-1728	115	4	.	.	PUNCT
framr-1728	116	1	gender	gender	NOUN
framr-1728	116	2	frequency	frequency	NOUN
framr-1728	116	3	percentage	percentage	NOUN
framr-1728	116	4	valid	valid	ADJ
framr-1728	116	5	percent	percent	NOUN
framr-1728	116	6	cumulative	cumulative	ADJ
framr-1728	116	7	percent	percent	NOUN
framr-1728	116	8	female	female	ADJ
framr-1728	116	9	69	69	NUM
framr-1728	116	10	69.7	69.7	NUM
framr-1728	116	11	69.7	69.7	NUM
framr-1728	116	12	69.7	69.7	NUM
framr-1728	116	13	male	male	NOUN
framr-1728	116	14	30	30	NUM
framr-1728	116	15	30.3	30.3	NUM
framr-1728	116	16	30.3	30.3	NUM
framr-1728	116	17	100.0	100.0	NUM
framr-1728	116	18	total	total	NOUN
framr-1728	116	19	99	99	NUM
framr-1728	116	20	100.0	100.0	NUM
framr-1728	116	21	100	100	NUM
framr-1728	116	22	source	source	NOUN
framr-1728	116	23	:	:	PUNCT
framr-1728	116	24	author	author	NOUN
framr-1728	116	25	designed	design	VERB
framr-1728	116	26	.	.	PUNCT
framr-1728	117	1	the	the	DET
framr-1728	117	2	table	table	NOUN
framr-1728	117	3	1	1	NUM
framr-1728	117	4	shows	show	NOUN
framr-1728	117	5	in	in	ADP
framr-1728	117	6	gender	gender	NOUN
framr-1728	117	7	distribution	distribution	NOUN
framr-1728	117	8	of	of	ADP
framr-1728	117	9	the	the	DET
framr-1728	117	10	respondent	respondent	NOUN
framr-1728	117	11	used	use	VERB
framr-1728	117	12	for	for	ADP
framr-1728	117	13	this	this	DET
framr-1728	117	14	study	study	NOUN
framr-1728	117	15	.	.	PUNCT
framr-1728	118	1	69	69	NUM
framr-1728	118	2	respondents	respondent	NOUN
framr-1728	118	3	represent	represent	VERB
framr-1728	118	4	69.7percent	69.7percent	NUM
framr-1728	118	5	of	of	ADP
framr-1728	118	6	the	the	DET
framr-1728	118	7	population	population	NOUN
framr-1728	118	8	are	be	AUX
framr-1728	118	9	female	female	ADJ
framr-1728	118	10	while	while	SCONJ
framr-1728	118	11	the	the	DET
framr-1728	118	12	remaining	remain	VERB
framr-1728	118	13	30	30	NUM
framr-1728	118	14	respondents	respondent	NOUN
framr-1728	118	15	represent	represent	VERB
framr-1728	118	16	30.3	30.3	NUM
framr-1728	118	17	percent	percent	NOUN
framr-1728	118	18	of	of	ADP
framr-1728	118	19	male	male	NOUN
framr-1728	118	20	.	.	PUNCT
framr-1728	119	1	table-2	table-2	NUM
framr-1728	119	2	.	.	PUNCT
framr-1728	119	3	deregulation	deregulation	NOUN
framr-1728	119	4	of	of	ADP
framr-1728	119	5	interest	interest	NOUN
framr-1728	119	6	rate	rate	NOUN
framr-1728	119	7	has	have	VERB
framr-1728	119	8	something	something	PRON
framr-1728	119	9	to	to	PART
framr-1728	119	10	do	do	VERB
framr-1728	119	11	with	with	ADP
framr-1728	119	12	bank	bank	NOUN
framr-1728	119	13	profit	profit	NOUN
framr-1728	119	14	.	.	PUNCT
framr-1728	120	1	stage	stage	NOUN
framr-1728	120	2	of	of	ADP
framr-1728	120	3	acceptance	acceptance	NOUN
framr-1728	120	4	frequency	frequency	NOUN
framr-1728	120	5	percent	percent	NOUN
framr-1728	120	6	valid	valid	ADJ
framr-1728	120	7	percent	percent	NOUN
framr-1728	120	8	cumulative	cumulative	ADJ
framr-1728	120	9	percent	percent	NOUN
framr-1728	120	10	strongly	strongly	ADV
framr-1728	120	11	agree	agree	VERB
framr-1728	120	12	39	39	NUM
framr-1728	120	13	39.4	39.4	NUM
framr-1728	120	14	39.4	39.4	NUM
framr-1728	120	15	39.4	39.4	NUM
framr-1728	120	16	agree	agree	VERB
framr-1728	120	17	50	50	NUM
framr-1728	120	18	50.5	50.5	NUM
framr-1728	120	19	50.5	50.5	NUM
framr-1728	120	20	89.9	89.9	NUM
framr-1728	120	21	undecided	undecided	ADJ
framr-1728	120	22	2	2	NUM
framr-1728	120	23	2.0	2.0	NUM
framr-1728	120	24	2.0	2.0	NUM
framr-1728	120	25	91.9	91.9	NUM
framr-1728	120	26	disagree	disagree	VERB
framr-1728	120	27	3	3	NUM
framr-1728	120	28	3.0	3.0	NUM
framr-1728	120	29	3.0	3.0	NUM
framr-1728	120	30	94.9	94.9	NUM
framr-1728	120	31	strongly	strongly	ADV
framr-1728	120	32	disagree	disagree	VERB
framr-1728	120	33	5	5	NUM
framr-1728	120	34	5.1	5.1	NUM
framr-1728	120	35	5.1	5.1	NUM
framr-1728	120	36	100.0	100.0	NUM
framr-1728	120	37	source	source	NOUN
framr-1728	120	38	:	:	PUNCT
framr-1728	120	39	author	author	NOUN
framr-1728	120	40	designed	design	VERB
framr-1728	120	41	.	.	PUNCT
framr-1728	121	1	the	the	DET
framr-1728	121	2	table	table	NOUN
framr-1728	121	3	2	2	NUM
framr-1728	121	4	shows	show	VERB
framr-1728	121	5	that	that	SCONJ
framr-1728	121	6	deregulation	deregulation	NOUN
framr-1728	121	7	of	of	ADP
framr-1728	121	8	interest	interest	NOUN
framr-1728	121	9	rate	rate	NOUN
framr-1728	121	10	has	have	VERB
framr-1728	121	11	something	something	PRON
framr-1728	121	12	to	to	PART
framr-1728	121	13	do	do	VERB
framr-1728	121	14	with	with	ADP
framr-1728	121	15	bank	bank	NOUN
framr-1728	121	16	profit	profit	NOUN
framr-1728	121	17	.	.	PUNCT
framr-1728	122	1	39.4	39.4	NUM
framr-1728	122	2	percent	percent	NOUN
framr-1728	122	3	have	have	AUX
framr-1728	122	4	strongly	strongly	ADV
framr-1728	122	5	agree	agree	VERB
framr-1728	122	6	that	that	SCONJ
framr-1728	122	7	deregulation	deregulation	NOUN
framr-1728	122	8	of	of	ADP
framr-1728	122	9	interest	interest	NOUN
framr-1728	122	10	rate	rate	NOUN
framr-1728	122	11	has	have	VERB
framr-1728	122	12	something	something	PRON
framr-1728	122	13	to	to	PART
framr-1728	122	14	do	do	VERB
framr-1728	122	15	with	with	ADP
framr-1728	122	16	the	the	DET
framr-1728	122	17	bank	bank	NOUN
framr-1728	122	18	profit	profit	NOUN
framr-1728	122	19	50.5	50.5	NUM
framr-1728	122	20	percent	percent	NOUN
framr-1728	122	21	agree	agree	VERB
framr-1728	122	22	that	that	SCONJ
framr-1728	122	23	as	as	SCONJ
framr-1728	122	24	stated	state	VERB
framr-1728	122	25	by	by	ADP
framr-1728	122	26	therrell	therrell	PROPN
framr-1728	122	27	et	et	PROPN
framr-1728	122	28	al	al	PROPN
framr-1728	122	29	.	.	PROPN
framr-1728	123	1	(	(	PUNCT
framr-1728	123	2	2012	2012	NUM
framr-1728	123	3	)	)	PUNCT
framr-1728	123	4	.	.	PUNCT
framr-1728	124	1	reported	report	VERB
framr-1728	124	2	that	that	SCONJ
framr-1728	124	3	the	the	DET
framr-1728	124	4	all	all	DET
framr-1728	124	5	control	control	NOUN
framr-1728	124	6	on	on	ADP
framr-1728	124	7	interest	interest	NOUN
framr-1728	124	8	were	be	AUX
framr-1728	124	9	removed	remove	VERB
framr-1728	124	10	this	this	PRON
framr-1728	124	11	indicate	indicate	VERB
framr-1728	124	12	that	that	SCONJ
framr-1728	124	13	desired	desire	VERB
framr-1728	124	14	interest	interest	NOUN
framr-1728	124	15	rate	rate	NOUN
framr-1728	124	16	will	will	AUX
framr-1728	124	17	charge	charge	VERB
framr-1728	124	18	by	by	ADP
framr-1728	124	19	the	the	DET
framr-1728	124	20	bank	bank	NOUN
framr-1728	124	21	to	to	PART
framr-1728	124	22	get	get	VERB
framr-1728	124	23	profit	profit	NOUN
framr-1728	124	24	.	.	PUNCT
framr-1728	125	1	2.0	2.0	NUM
framr-1728	125	2	percent	percent	NOUN
framr-1728	125	3	were	be	AUX
framr-1728	125	4	undecided	undecided	ADJ
framr-1728	125	5	3.0	3.0	NUM
framr-1728	125	6	percent	percent	NOUN
framr-1728	125	7	have	have	AUX
framr-1728	125	8	disagree	disagree	VERB
framr-1728	125	9	that	that	SCONJ
framr-1728	125	10	deregulation	deregulation	NOUN
framr-1728	125	11	of	of	ADP
framr-1728	125	12	interest	interest	NOUN
framr-1728	125	13	rate	rate	NOUN
framr-1728	125	14	has	have	VERB
framr-1728	125	15	something	something	PRON
framr-1728	125	16	to	to	PART
framr-1728	125	17	do	do	VERB
framr-1728	125	18	with	with	ADP
framr-1728	125	19	bank	bank	NOUN
framr-1728	125	20	profit	profit	NOUN
framr-1728	125	21	.	.	PUNCT
framr-1728	126	1	and	and	CCONJ
framr-1728	126	2	5.1	5.1	NUM
framr-1728	126	3	percent	percent	NOUN
framr-1728	126	4	have	have	AUX
framr-1728	126	5	strongly	strongly	ADV
framr-1728	126	6	disagree	disagree	VERB
framr-1728	126	7	that	that	SCONJ
framr-1728	126	8	deregulation	deregulation	NOUN
framr-1728	126	9	of	of	ADP
framr-1728	126	10	interest	interest	NOUN
framr-1728	126	11	rate	rate	NOUN
framr-1728	126	12	has	have	VERB
framr-1728	126	13	something	something	PRON
framr-1728	126	14	to	to	PART
framr-1728	126	15	do	do	VERB
framr-1728	126	16	with	with	ADP
framr-1728	126	17	the	the	DET
framr-1728	126	18	bank	bank	NOUN
framr-1728	126	19	profit	profit	NOUN
framr-1728	126	20	.	.	PUNCT
framr-1728	127	1	table-3	table-3	NUM
framr-1728	127	2	.	.	PUNCT
framr-1728	128	1	deregulation	deregulation	NOUN
framr-1728	128	2	of	of	ADP
framr-1728	128	3	interest	interest	NOUN
framr-1728	128	4	rate	rate	NOUN
framr-1728	128	5	has	have	AUX
framr-1728	128	6	increase	increase	VERB
framr-1728	128	7	the	the	DET
framr-1728	128	8	commercial	commercial	ADJ
framr-1728	128	9	bank	bank	NOUN
framr-1728	128	10	profit	profit	NOUN
framr-1728	128	11	.	.	PUNCT
framr-1728	129	1	stage	stage	NOUN
framr-1728	129	2	of	of	ADP
framr-1728	129	3	acceptance	acceptance	NOUN
framr-1728	129	4	frequency	frequency	NOUN
framr-1728	129	5	percent	percent	NOUN
framr-1728	129	6	valid	valid	ADJ
framr-1728	129	7	percent	percent	NOUN
framr-1728	129	8	cumulative	cumulative	ADJ
framr-1728	129	9	percent	percent	NOUN
framr-1728	129	10	strongly	strongly	ADV
framr-1728	129	11	agree	agree	VERB
framr-1728	129	12	49	49	NUM
framr-1728	129	13	49.5	49.5	NUM
framr-1728	129	14	49.5	49.5	NUM
framr-1728	129	15	49.5	49.5	NUM
framr-1728	129	16	agree	agree	VERB
framr-1728	129	17	25	25	NUM
framr-1728	129	18	25.3	25.3	NUM
framr-1728	129	19	25.3	25.3	NUM
framr-1728	129	20	74.7	74.7	NUM
framr-1728	129	21	undecided	undecided	ADJ
framr-1728	129	22	5	5	NUM
framr-1728	129	23	5.1	5.1	NUM
framr-1728	129	24	5.1	5.1	NUM
framr-1728	129	25	79.8	79.8	NUM
framr-1728	129	26	disagree	disagree	VERB
framr-1728	129	27	10	10	NUM
framr-1728	129	28	10.1	10.1	NUM
framr-1728	129	29	10.1	10.1	NUM
framr-1728	129	30	89.9	89.9	NUM
framr-1728	129	31	strongly	strongly	ADV
framr-1728	129	32	disagree	disagree	VERB
framr-1728	129	33	10	10	NUM
framr-1728	129	34	10.1	10.1	NUM
framr-1728	129	35	10.1	10.1	NUM
framr-1728	129	36	100.0	100.0	NUM
framr-1728	129	37	total	total	NOUN
framr-1728	129	38	99	99	NUM
framr-1728	129	39	100.0	100.0	NUM
framr-1728	129	40	100	100	NUM
framr-1728	129	41	source	source	NOUN
framr-1728	129	42	:	:	PUNCT
framr-1728	129	43	author	author	NOUN
framr-1728	129	44	designed	design	VERB
framr-1728	129	45	.	.	PUNCT
framr-1728	130	1	the	the	DET
framr-1728	130	2	table	table	NOUN
framr-1728	130	3	3	3	NUM
framr-1728	130	4	shows	show	VERB
framr-1728	130	5	that	that	SCONJ
framr-1728	130	6	deregulation	deregulation	NOUN
framr-1728	130	7	of	of	ADP
framr-1728	130	8	the	the	DET
framr-1728	130	9	interest	interest	NOUN
framr-1728	130	10	rate	rate	NOUN
framr-1728	130	11	has	have	AUX
framr-1728	130	12	increase	increase	VERB
framr-1728	130	13	the	the	DET
framr-1728	130	14	commercial	commercial	ADJ
framr-1728	130	15	bank	bank	NOUN
framr-1728	130	16	profit	profit	NOUN
framr-1728	130	17	.	.	PUNCT
framr-1728	131	1	49.5	49.5	NUM
framr-1728	131	2	percent	percent	NOUN
framr-1728	131	3	strongly	strongly	ADV
framr-1728	131	4	agree	agree	VERB
framr-1728	131	5	that	that	SCONJ
framr-1728	131	6	the	the	DET
framr-1728	131	7	deregulation	deregulation	NOUN
framr-1728	131	8	of	of	ADP
framr-1728	131	9	the	the	DET
framr-1728	131	10	interest	interest	NOUN
framr-1728	131	11	rate	rate	NOUN
framr-1728	131	12	has	have	AUX
framr-1728	131	13	increased	increase	VERB
framr-1728	131	14	the	the	DET
framr-1728	131	15	commercial	commercial	ADJ
framr-1728	131	16	bank	bank	NOUN
framr-1728	131	17	profit	profit	NOUN
framr-1728	131	18	.	.	PUNCT
framr-1728	132	1	25.3	25.3	NUM
framr-1728	132	2	percent	percent	NOUN
framr-1728	132	3	agree	agree	VERB
framr-1728	132	4	that	that	SCONJ
framr-1728	132	5	deregulation	deregulation	NOUN
framr-1728	132	6	of	of	ADP
framr-1728	132	7	the	the	DET
framr-1728	132	8	interest	interest	NOUN
framr-1728	132	9	rate	rate	NOUN
framr-1728	132	10	has	have	AUX
framr-1728	132	11	increased	increase	VERB
framr-1728	132	12	the	the	DET
framr-1728	132	13	commercial	commercial	ADJ
framr-1728	132	14	bank	bank	NOUN
framr-1728	132	15	profit	profit	NOUN
framr-1728	132	16	.	.	PUNCT
framr-1728	133	1	amassoma	amassoma	PROPN
framr-1728	133	2	et	et	PROPN
framr-1728	133	3	al	al	PROPN
framr-1728	133	4	.	.	PROPN
framr-1728	134	1	(	(	PUNCT
framr-1728	134	2	2011	2011	NUM
framr-1728	134	3	)	)	PUNCT
framr-1728	134	4	interest	interest	NOUN
framr-1728	134	5	rate	rate	NOUN
framr-1728	134	6	deregulation	deregulation	NOUN
framr-1728	134	7	lead	lead	VERB
framr-1728	134	8	to	to	ADP
framr-1728	134	9	more	more	ADV
framr-1728	134	10	efficient	efficient	ADJ
framr-1728	134	11	allocation	allocation	NOUN
framr-1728	134	12	in	in	ADP
framr-1728	134	13	financial	financial	ADJ
framr-1728	134	14	market	market	NOUN
framr-1728	134	15	which	which	PRON
framr-1728	134	16	also	also	ADV
framr-1728	134	17	is	be	AUX
framr-1728	134	18	in	in	ADP
framr-1728	134	19	the	the	DET
framr-1728	134	20	view	view	NOUN
framr-1728	134	21	that	that	SCONJ
framr-1728	134	22	it	it	PRON
framr-1728	134	23	increase	increase	VERB
framr-1728	134	24	the	the	DET
framr-1728	134	25	commercial	commercial	ADJ
framr-1728	134	26	bank	bank	NOUN
framr-1728	134	27	profit	profit	NOUN
framr-1728	134	28	.	.	PUNCT
framr-1728	135	1	5.1	5.1	NUM
framr-1728	135	2	percent	percent	NOUN
framr-1728	135	3	were	be	AUX
framr-1728	135	4	undecided	undecided	ADJ
framr-1728	135	5	.	.	PUNCT
framr-1728	136	1	10.1	10.1	NUM
framr-1728	136	2	percent	percent	NOUN
framr-1728	136	3	have	have	AUX
framr-1728	136	4	disagree	disagree	VERB
framr-1728	136	5	that	that	SCONJ
framr-1728	136	6	deregulation	deregulation	NOUN
framr-1728	136	7	of	of	ADP
framr-1728	136	8	the	the	DET
framr-1728	136	9	interest	interest	NOUN
framr-1728	136	10	rate	rate	NOUN
framr-1728	136	11	has	have	AUX
framr-1728	136	12	increase	increase	VERB
framr-1728	136	13	the	the	DET
framr-1728	136	14	commercial	commercial	ADJ
framr-1728	136	15	bank	bank	NOUN
framr-1728	136	16	profit	profit	NOUN
framr-1728	136	17	.	.	PUNCT
framr-1728	137	1	10.1	10.1	NUM
framr-1728	137	2	percent	percent	NOUN
framr-1728	137	3	have	have	AUX
framr-1728	137	4	strongly	strongly	ADV
framr-1728	137	5	disagreed	disagree	VERB
framr-1728	137	6	that	that	SCONJ
framr-1728	137	7	the	the	DET
framr-1728	137	8	deregulation	deregulation	NOUN
framr-1728	137	9	of	of	ADP
framr-1728	137	10	the	the	DET
framr-1728	137	11	interest	interest	NOUN
framr-1728	137	12	rate	rate	NOUN
framr-1728	137	13	has	have	AUX
framr-1728	137	14	increase	increase	VERB
framr-1728	137	15	the	the	DET
framr-1728	137	16	commercial	commercial	ADJ
framr-1728	137	17	bank	bank	NOUN
framr-1728	137	18	profit	profit	NOUN
framr-1728	137	19	.	.	PUNCT
framr-1728	138	1	table-4	table-4	NOUN
framr-1728	138	2	.	.	PUNCT
framr-1728	138	3	lending	lending	NOUN
framr-1728	138	4	policy	policy	NOUN
framr-1728	138	5	affects	affect	VERB
framr-1728	138	6	the	the	DET
framr-1728	138	7	commercial	commercial	ADJ
framr-1728	138	8	bank	bank	NOUN
framr-1728	138	9	ability	ability	NOUN
framr-1728	138	10	to	to	PART
framr-1728	138	11	grant	grant	VERB
framr-1728	138	12	loan	loan	NOUN
framr-1728	138	13	.	.	PUNCT
framr-1728	139	1	stage	stage	NOUN
framr-1728	139	2	of	of	ADP
framr-1728	139	3	acceptance	acceptance	NOUN
framr-1728	139	4	frequency	frequency	NOUN
framr-1728	139	5	percent	percent	NOUN
framr-1728	139	6	valid	valid	ADJ
framr-1728	139	7	percent	percent	NOUN
framr-1728	139	8	cumulative	cumulative	ADJ
framr-1728	139	9	percent	percent	NOUN
framr-1728	139	10	strongly	strongly	ADV
framr-1728	139	11	agree	agree	VERB
framr-1728	139	12	49	49	NUM
framr-1728	139	13	49.5	49.5	NUM
framr-1728	139	14	49.5	49.5	NUM
framr-1728	139	15	49.5	49.5	NUM
framr-1728	139	16	agree	agree	VERB
framr-1728	139	17	30	30	NUM
framr-1728	139	18	30.3	30.3	NUM
framr-1728	139	19	30.3	30.3	NUM
framr-1728	139	20	79.8	79.8	NUM
framr-1728	139	21	undecided	undecided	ADJ
framr-1728	139	22	5	5	NUM
framr-1728	139	23	5.1	5.1	NUM
framr-1728	139	24	5.1	5.1	NUM
framr-1728	139	25	84.8	84.8	NUM
framr-1728	139	26	disagree	disagree	VERB
framr-1728	139	27	10	10	NUM
framr-1728	139	28	10.1	10.1	NUM
framr-1728	139	29	10.1	10.1	NUM
framr-1728	139	30	94.9	94.9	NUM
framr-1728	139	31	strongly	strongly	ADV
framr-1728	139	32	disagree	disagree	VERB
framr-1728	139	33	5	5	NUM
framr-1728	139	34	5.1	5.1	NUM
framr-1728	139	35	5.1	5.1	NUM
framr-1728	139	36	100.0	100.0	NUM
framr-1728	139	37	source	source	NOUN
framr-1728	139	38	:	:	PUNCT
framr-1728	139	39	author	author	NOUN
framr-1728	139	40	designed	design	VERB
framr-1728	139	41	.	.	PUNCT
framr-1728	140	1	financial	financial	ADJ
framr-1728	140	2	risk	risk	NOUN
framr-1728	140	3	and	and	CCONJ
framr-1728	140	4	management	management	NOUN
framr-1728	140	5	reviews	review	NOUN
framr-1728	140	6	,	,	PUNCT
framr-1728	140	7	2019	2019	NUM
framr-1728	140	8	,	,	PUNCT
framr-1728	140	9	5(1	5(1	NUM
framr-1728	140	10	):	):	PUNCT
framr-1728	140	11	1	1	NUM
framr-1728	140	12	-	-	SYM
framr-1728	140	13	9	9	NUM
framr-1728	140	14	6	6	NUM
framr-1728	140	15	©	©	PROPN
framr-1728	140	16	2019	2019	NUM
framr-1728	140	17	conscientia	conscientia	PROPN
framr-1728	140	18	beam	beam	PROPN
framr-1728	140	19	.	.	PUNCT
framr-1728	141	1	all	all	DET
framr-1728	141	2	rights	right	NOUN
framr-1728	141	3	reserved	reserve	VERB
framr-1728	141	4	.	.	PUNCT
framr-1728	142	1	the	the	DET
framr-1728	142	2	table	table	NOUN
framr-1728	142	3	4	4	NUM
framr-1728	142	4	that	that	SCONJ
framr-1728	142	5	lending	lending	NOUN
framr-1728	142	6	policy	policy	NOUN
framr-1728	142	7	affects	affect	VERB
framr-1728	142	8	the	the	DET
framr-1728	142	9	commercial	commercial	ADJ
framr-1728	142	10	bank	bank	NOUN
framr-1728	142	11	ability	ability	NOUN
framr-1728	142	12	to	to	PART
framr-1728	142	13	grant	grant	VERB
framr-1728	142	14	loan	loan	NOUN
framr-1728	142	15	.	.	PUNCT
framr-1728	143	1	49.5	49.5	NUM
framr-1728	143	2	per	per	ADP
framr-1728	143	3	cent	cent	NOUN
framr-1728	143	4	strongly	strongly	ADV
framr-1728	143	5	agree	agree	VERB
framr-1728	143	6	that	that	SCONJ
framr-1728	143	7	lending	lending	NOUN
framr-1728	143	8	policy	policy	NOUN
framr-1728	143	9	affect	affect	VERB
framr-1728	143	10	the	the	DET
framr-1728	143	11	commercial	commercial	ADJ
framr-1728	143	12	bank	bank	NOUN
framr-1728	143	13	ability	ability	NOUN
framr-1728	143	14	to	to	PART
framr-1728	143	15	grant	grant	VERB
framr-1728	143	16	loan	loan	NOUN
framr-1728	143	17	.	.	PUNCT
framr-1728	144	1	30.3	30.3	NUM
framr-1728	144	2	percent	percent	NOUN
framr-1728	144	3	agree	agree	VERB
framr-1728	144	4	that	that	SCONJ
framr-1728	144	5	lending	lending	NOUN
framr-1728	144	6	policy	policy	NOUN
framr-1728	144	7	affect	affect	VERB
framr-1728	144	8	the	the	DET
framr-1728	144	9	commercial	commercial	ADJ
framr-1728	144	10	bank	bank	NOUN
framr-1728	144	11	ability	ability	NOUN
framr-1728	144	12	to	to	PART
framr-1728	144	13	grant	grant	VERB
framr-1728	144	14	loan	loan	NOUN
framr-1728	144	15	.	.	PUNCT
framr-1728	145	1	5.1	5.1	NUM
framr-1728	145	2	percent	percent	NOUN
framr-1728	145	3	were	be	AUX
framr-1728	145	4	undecided	undecided	ADJ
framr-1728	145	5	,	,	PUNCT
framr-1728	145	6	according	accord	VERB
framr-1728	145	7	to	to	ADP
framr-1728	145	8	chodechai	chodechai	PROPN
framr-1728	145	9	(	(	PUNCT
framr-1728	145	10	2004	2004	NUM
framr-1728	145	11	)	)	PUNCT
framr-1728	145	12	as	as	SCONJ
framr-1728	145	13	stated	state	VERB
framr-1728	145	14	that	that	SCONJ
framr-1728	145	15	lending	lending	NOUN
framr-1728	145	16	policy	policy	NOUN
framr-1728	145	17	affect	affect	VERB
framr-1728	145	18	the	the	DET
framr-1728	145	19	commercial	commercial	ADJ
framr-1728	145	20	bank	bank	NOUN
framr-1728	145	21	ability	ability	NOUN
framr-1728	145	22	to	to	PART
framr-1728	145	23	grant	grant	VERB
framr-1728	145	24	loan	loan	NOUN
framr-1728	145	25	because	because	SCONJ
framr-1728	145	26	interest	interest	NOUN
framr-1728	145	27	will	will	AUX
framr-1728	145	28	be	be	AUX
framr-1728	145	29	charge	charge	VERB
framr-1728	145	30	based	base	VERB
framr-1728	145	31	on	on	ADP
framr-1728	145	32	stated	state	VERB
framr-1728	145	33	lending	lending	NOUN
framr-1728	145	34	rate	rate	NOUN
framr-1728	145	35	which	which	PRON
framr-1728	145	36	affect	affect	VERB
framr-1728	145	37	the	the	DET
framr-1728	145	38	bank	bank	NOUN
framr-1728	145	39	ability	ability	NOUN
framr-1728	145	40	to	to	PART
framr-1728	145	41	grant	grant	VERB
framr-1728	145	42	loan	loan	NOUN
framr-1728	145	43	.	.	PUNCT
framr-1728	146	1	10.1	10.1	NUM
framr-1728	146	2	percent	percent	NOUN
framr-1728	146	3	disagree	disagree	VERB
framr-1728	146	4	that	that	SCONJ
framr-1728	146	5	lending	lending	NOUN
framr-1728	146	6	policy	policy	NOUN
framr-1728	146	7	affect	affect	VERB
framr-1728	146	8	the	the	DET
framr-1728	146	9	commercial	commercial	ADJ
framr-1728	146	10	bank	bank	NOUN
framr-1728	146	11	ability	ability	NOUN
framr-1728	146	12	to	to	PART
framr-1728	146	13	grant	grant	VERB
framr-1728	146	14	loan	loan	NOUN
framr-1728	146	15	.	.	PUNCT
framr-1728	147	1	table-5	table-5	PROPN
framr-1728	147	2	.	.	PUNCT
framr-1728	147	3	interest	interest	NOUN
framr-1728	147	4	rate	rate	NOUN
framr-1728	147	5	deregulation	deregulation	NOUN
framr-1728	147	6	affects	affect	VERB
framr-1728	147	7	the	the	DET
framr-1728	147	8	bank	bank	NOUN
framr-1728	147	9	ability	ability	NOUN
framr-1728	147	10	to	to	PART
framr-1728	147	11	grant	grant	VERB
framr-1728	147	12	loan	loan	NOUN
framr-1728	147	13	.	.	PUNCT
framr-1728	148	1	stage	stage	NOUN
framr-1728	148	2	of	of	ADP
framr-1728	148	3	acceptance	acceptance	NOUN
framr-1728	148	4	frequency	frequency	NOUN
framr-1728	148	5	percent	percent	NOUN
framr-1728	148	6	valid	valid	ADJ
framr-1728	148	7	percent	percent	NOUN
framr-1728	148	8	cumulative	cumulative	ADJ
framr-1728	148	9	percent	percent	NOUN
framr-1728	148	10	strongly	strongly	ADV
framr-1728	148	11	agree	agree	VERB
framr-1728	148	12	39	39	NUM
framr-1728	148	13	39.4	39.4	NUM
framr-1728	148	14	39.4	39.4	NUM
framr-1728	148	15	39.4	39.4	NUM
framr-1728	148	16	agree	agree	VERB
framr-1728	148	17	50	50	NUM
framr-1728	148	18	50.5	50.5	NUM
framr-1728	148	19	50.5	50.5	NUM
framr-1728	148	20	89.9	89.9	NUM
framr-1728	148	21	undecided	undecided	ADJ
framr-1728	148	22	2	2	NUM
framr-1728	148	23	2.0	2.0	NUM
framr-1728	148	24	2.0	2.0	NUM
framr-1728	148	25	91.9	91.9	NUM
framr-1728	148	26	strongly	strongly	ADV
framr-1728	148	27	disagree	disagree	VERB
framr-1728	148	28	5	5	NUM
framr-1728	148	29	5.1	5.1	NUM
framr-1728	148	30	5.1	5.1	NUM
framr-1728	148	31	97.0	97.0	NUM
framr-1728	148	32	disagree	disagree	VERB
framr-1728	148	33	3	3	NUM
framr-1728	148	34	3.0	3.0	NUM
framr-1728	148	35	3.0	3.0	NUM
framr-1728	148	36	100.0	100.0	NUM
framr-1728	148	37	source	source	NOUN
framr-1728	148	38	:	:	PUNCT
framr-1728	148	39	author	author	NOUN
framr-1728	148	40	designed	design	VERB
framr-1728	148	41	.	.	PUNCT
framr-1728	149	1	the	the	DET
framr-1728	149	2	table	table	NOUN
framr-1728	149	3	5	5	NUM
framr-1728	149	4	shows	show	VERB
framr-1728	149	5	that	that	SCONJ
framr-1728	149	6	interest	interest	NOUN
framr-1728	149	7	rate	rate	NOUN
framr-1728	149	8	deregulation	deregulation	NOUN
framr-1728	149	9	affects	affect	VERB
framr-1728	149	10	the	the	DET
framr-1728	149	11	bank	bank	NOUN
framr-1728	149	12	ability	ability	NOUN
framr-1728	149	13	to	to	PART
framr-1728	149	14	grant	grant	VERB
framr-1728	149	15	loan	loan	NOUN
framr-1728	149	16	.	.	PUNCT
framr-1728	150	1	39.4	39.4	NUM
framr-1728	150	2	percent	percent	NOUN
framr-1728	150	3	strongly	strongly	ADV
framr-1728	150	4	agree	agree	VERB
framr-1728	150	5	that	that	SCONJ
framr-1728	150	6	interest	interest	NOUN
framr-1728	150	7	rate	rate	NOUN
framr-1728	150	8	deregulation	deregulation	NOUN
framr-1728	150	9	affects	affect	VERB
framr-1728	150	10	the	the	DET
framr-1728	150	11	bank	bank	NOUN
framr-1728	150	12	ability	ability	NOUN
framr-1728	150	13	to	to	PART
framr-1728	150	14	grant	grant	VERB
framr-1728	150	15	loan	loan	NOUN
framr-1728	150	16	.	.	PUNCT
framr-1728	151	1	50.5	50.5	NUM
framr-1728	151	2	percent	percent	NOUN
framr-1728	151	3	agreed	agree	VERB
framr-1728	151	4	that	that	SCONJ
framr-1728	151	5	interest	interest	NOUN
framr-1728	151	6	rate	rate	NOUN
framr-1728	151	7	deregulation	deregulation	NOUN
framr-1728	151	8	affects	affect	VERB
framr-1728	151	9	the	the	DET
framr-1728	151	10	bank	bank	NOUN
framr-1728	151	11	ability	ability	NOUN
framr-1728	151	12	to	to	PART
framr-1728	151	13	grant	grant	VERB
framr-1728	151	14	loan	loan	NOUN
framr-1728	151	15	(	(	PUNCT
framr-1728	151	16	amassoma	amassoma	PROPN
framr-1728	151	17	et	et	PROPN
framr-1728	151	18	al	al	PROPN
framr-1728	151	19	.	.	PROPN
framr-1728	151	20	,	,	PUNCT
framr-1728	151	21	2011	2011	NUM
framr-1728	151	22	)	)	PUNCT
framr-1728	151	23	says	say	VERB
framr-1728	151	24	that	that	SCONJ
framr-1728	151	25	expert	expert	NOUN
framr-1728	151	26	agree	agree	VERB
framr-1728	151	27	while	while	SCONJ
framr-1728	151	28	other	other	ADJ
framr-1728	151	29	disagree	disagree	VERB
framr-1728	151	30	like	like	ADP
framr-1728	151	31	ojo	ojo	NOUN
framr-1728	151	32	(	(	PUNCT
framr-1728	151	33	1988	1988	NUM
framr-1728	151	34	)	)	PUNCT
framr-1728	151	35	indicated	indicate	VERB
framr-1728	151	36	that	that	SCONJ
framr-1728	151	37	deregulation	deregulation	NOUN
framr-1728	151	38	affect	affect	VERB
framr-1728	151	39	the	the	DET
framr-1728	151	40	bank	bank	NOUN
framr-1728	151	41	ability	ability	NOUN
framr-1728	151	42	to	to	PART
framr-1728	151	43	grant	grant	VERB
framr-1728	151	44	loan	loan	NOUN
framr-1728	151	45	,	,	PUNCT
framr-1728	151	46	this	this	PRON
framr-1728	151	47	is	be	AUX
framr-1728	151	48	because	because	SCONJ
framr-1728	151	49	once	once	SCONJ
framr-1728	151	50	interest	interest	NOUN
framr-1728	151	51	rate	rate	NOUN
framr-1728	151	52	was	be	AUX
framr-1728	151	53	left	leave	VERB
framr-1728	151	54	uncontrolled	uncontrolled	ADJ
framr-1728	151	55	it	it	PRON
framr-1728	151	56	will	will	AUX
framr-1728	151	57	lead	lead	VERB
framr-1728	151	58	to	to	PART
framr-1728	151	59	increase	increase	VERB
framr-1728	151	60	in	in	ADP
framr-1728	151	61	profitability	profitability	NOUN
framr-1728	151	62	by	by	ADP
framr-1728	151	63	charging	charge	VERB
framr-1728	151	64	high	high	ADJ
framr-1728	151	65	rate	rate	NOUN
framr-1728	151	66	of	of	ADP
framr-1728	151	67	interest	interest	NOUN
framr-1728	151	68	.	.	PUNCT
framr-1728	152	1	table-6	table-6	PROPN
framr-1728	152	2	.	.	PUNCT
framr-1728	152	3	government	government	NOUN
framr-1728	152	4	policy	policy	NOUN
framr-1728	152	5	on	on	ADP
framr-1728	152	6	commercial	commercial	ADJ
framr-1728	152	7	bank	bank	NOUN
framr-1728	152	8	affects	affect	VERB
framr-1728	152	9	its	its	PRON
framr-1728	152	10	ability	ability	NOUN
framr-1728	152	11	to	to	PART
framr-1728	152	12	grant	grant	VERB
framr-1728	152	13	loan	loan	NOUN
framr-1728	152	14	.	.	PUNCT
framr-1728	153	1	stage	stage	NOUN
framr-1728	153	2	of	of	ADP
framr-1728	153	3	acceptance	acceptance	NOUN
framr-1728	153	4	frequency	frequency	NOUN
framr-1728	153	5	percent	percent	NOUN
framr-1728	153	6	valid	valid	ADJ
framr-1728	153	7	percent	percent	NOUN
framr-1728	153	8	cumulative	cumulative	ADJ
framr-1728	153	9	percent	percent	NOUN
framr-1728	153	10	strongly	strongly	ADV
framr-1728	153	11	agree	agree	VERB
framr-1728	153	12	39	39	NUM
framr-1728	153	13	39.4	39.4	NUM
framr-1728	153	14	39.4	39.4	NUM
framr-1728	153	15	39.4	39.4	NUM
framr-1728	153	16	agree	agree	VERB
framr-1728	153	17	30	30	NUM
framr-1728	153	18	30.3	30.3	NUM
framr-1728	153	19	30.3	30.3	NUM
framr-1728	153	20	69.7	69.7	NUM
framr-1728	153	21	undecided	undecided	ADJ
framr-1728	153	22	15	15	NUM
framr-1728	153	23	15.2	15.2	NUM
framr-1728	153	24	15.2	15.2	NUM
framr-1728	153	25	84.8	84.8	NUM
framr-1728	153	26	disagree	disagree	VERB
framr-1728	153	27	10	10	NUM
framr-1728	153	28	10.1	10.1	NUM
framr-1728	153	29	10.1	10.1	NUM
framr-1728	153	30	94.9	94.9	NUM
framr-1728	153	31	strongly	strongly	ADV
framr-1728	153	32	disagree	disagree	VERB
framr-1728	153	33	5	5	NUM
framr-1728	153	34	5.1	5.1	NUM
framr-1728	153	35	5.1	5.1	NUM
framr-1728	153	36	100.0	100.0	NUM
framr-1728	153	37	source	source	NOUN
framr-1728	153	38	:	:	PUNCT
framr-1728	153	39	author	author	NOUN
framr-1728	153	40	designed	design	VERB
framr-1728	153	41	.	.	PUNCT
framr-1728	154	1	the	the	DET
framr-1728	154	2	table	table	NOUN
framr-1728	154	3	6	6	NUM
framr-1728	154	4	shows	show	VERB
framr-1728	154	5	that	that	SCONJ
framr-1728	154	6	government	government	NOUN
framr-1728	154	7	policy	policy	NOUN
framr-1728	154	8	on	on	ADP
framr-1728	154	9	commercial	commercial	ADJ
framr-1728	154	10	bank	bank	NOUN
framr-1728	154	11	affects	affect	VERB
framr-1728	154	12	its	its	PRON
framr-1728	154	13	ability	ability	NOUN
framr-1728	154	14	to	to	PART
framr-1728	154	15	grant	grant	VERB
framr-1728	154	16	loan	loan	NOUN
framr-1728	154	17	.	.	PUNCT
framr-1728	155	1	39.4	39.4	NUM
framr-1728	155	2	percent	percent	NOUN
framr-1728	155	3	strongly	strongly	ADV
framr-1728	155	4	agree	agree	VERB
framr-1728	155	5	that	that	SCONJ
framr-1728	155	6	government	government	NOUN
framr-1728	155	7	policy	policy	NOUN
framr-1728	155	8	on	on	ADP
framr-1728	155	9	commercial	commercial	ADJ
framr-1728	155	10	bank	bank	NOUN
framr-1728	155	11	affects	affect	VERB
framr-1728	155	12	its	its	PRON
framr-1728	155	13	ability	ability	NOUN
framr-1728	155	14	to	to	PART
framr-1728	155	15	grant	grant	VERB
framr-1728	155	16	loan	loan	NOUN
framr-1728	155	17	.	.	PUNCT
framr-1728	156	1	30.3	30.3	NUM
framr-1728	156	2	percent	percent	NOUN
framr-1728	156	3	agree	agree	VERB
framr-1728	156	4	that	that	SCONJ
framr-1728	156	5	government	government	NOUN
framr-1728	156	6	policy	policy	NOUN
framr-1728	156	7	on	on	ADP
framr-1728	156	8	commercial	commercial	ADJ
framr-1728	156	9	bank	bank	NOUN
framr-1728	156	10	affects	affect	VERB
framr-1728	156	11	its	its	PRON
framr-1728	156	12	ability	ability	NOUN
framr-1728	156	13	to	to	PART
framr-1728	156	14	grant	grant	VERB
framr-1728	156	15	loan	loan	NOUN
framr-1728	156	16	.	.	PUNCT
framr-1728	157	1	allen	allen	PROPN
framr-1728	157	2	(	(	PUNCT
framr-1728	157	3	1977	1977	NUM
framr-1728	157	4	)	)	PUNCT
framr-1728	157	5	deregulation	deregulation	NOUN
framr-1728	157	6	of	of	ADP
framr-1728	157	7	interest	interest	NOUN
framr-1728	157	8	rate	rate	NOUN
framr-1728	157	9	will	will	AUX
framr-1728	157	10	cut	cut	VERB
framr-1728	157	11	down	down	ADP
framr-1728	157	12	borrowing	borrowing	NOUN
framr-1728	157	13	as	as	SCONJ
framr-1728	157	14	interest	interest	NOUN
framr-1728	157	15	rate	rate	NOUN
framr-1728	157	16	will	will	AUX
framr-1728	157	17	be	be	AUX
framr-1728	157	18	high	high	ADJ
framr-1728	157	19	,	,	PUNCT
framr-1728	157	20	this	this	PRON
framr-1728	157	21	affects	affect	VERB
framr-1728	157	22	the	the	DET
framr-1728	157	23	bank	bank	NOUN
framr-1728	157	24	ability	ability	NOUN
framr-1728	157	25	to	to	PART
framr-1728	157	26	grant	grant	VERB
framr-1728	157	27	loan	loan	NOUN
framr-1728	157	28	,	,	PUNCT
framr-1728	157	29	10.1	10.1	NUM
framr-1728	157	30	percent	percent	NOUN
framr-1728	157	31	disagree	disagree	VERB
framr-1728	157	32	that	that	SCONJ
framr-1728	157	33	government	government	NOUN
framr-1728	157	34	policy	policy	NOUN
framr-1728	157	35	on	on	ADP
framr-1728	157	36	commercial	commercial	ADJ
framr-1728	157	37	bank	bank	NOUN
framr-1728	157	38	affects	affect	VERB
framr-1728	157	39	its	its	PRON
framr-1728	157	40	ability	ability	NOUN
framr-1728	157	41	to	to	PART
framr-1728	157	42	grant	grant	VERB
framr-1728	157	43	loan	loan	NOUN
framr-1728	157	44	.	.	PUNCT
framr-1728	158	1	5.1	5.1	NUM
framr-1728	158	2	percent	percent	NOUN
framr-1728	158	3	disagree	disagree	VERB
framr-1728	158	4	that	that	SCONJ
framr-1728	158	5	government	government	NOUN
framr-1728	158	6	policy	policy	NOUN
framr-1728	158	7	on	on	ADP
framr-1728	158	8	commercial	commercial	ADJ
framr-1728	158	9	bank	bank	NOUN
framr-1728	158	10	affects	affect	VERB
framr-1728	158	11	its	its	PRON
framr-1728	158	12	ability	ability	NOUN
framr-1728	158	13	to	to	PART
framr-1728	158	14	grant	grant	VERB
framr-1728	158	15	loan	loan	NOUN
framr-1728	158	16	.	.	PUNCT
framr-1728	159	1	table-7	table-7	NUM
framr-1728	159	2	.	.	PUNCT
framr-1728	160	1	government	government	NOUN
framr-1728	160	2	policy	policy	NOUN
framr-1728	160	3	on	on	ADP
framr-1728	160	4	commercial	commercial	ADJ
framr-1728	160	5	bank	bank	NOUN
framr-1728	160	6	should	should	AUX
framr-1728	160	7	be	be	AUX
framr-1728	160	8	encouraged	encourage	VERB
framr-1728	160	9	.	.	PUNCT
framr-1728	161	1	stage	stage	NOUN
framr-1728	161	2	of	of	ADP
framr-1728	161	3	acceptance	acceptance	NOUN
framr-1728	161	4	frequency	frequency	NOUN
framr-1728	161	5	percent	percent	NOUN
framr-1728	161	6	valid	valid	ADJ
framr-1728	161	7	percent	percent	NOUN
framr-1728	161	8	cumulative	cumulative	ADJ
framr-1728	161	9	percent	percent	NOUN
framr-1728	161	10	strongly	strongly	ADV
framr-1728	161	11	agree	agree	VERB
framr-1728	161	12	49	49	NUM
framr-1728	161	13	49.5	49.5	NUM
framr-1728	161	14	49.5	49.5	NUM
framr-1728	161	15	49.5	49.5	NUM
framr-1728	161	16	agree	agree	VERB
framr-1728	161	17	15	15	NUM
framr-1728	161	18	15.2	15.2	NUM
framr-1728	161	19	15.2	15.2	NUM
framr-1728	161	20	64.6	64.6	NUM
framr-1728	161	21	undecided	undecided	ADJ
framr-1728	161	22	15	15	NUM
framr-1728	161	23	15.2	15.2	NUM
framr-1728	161	24	15.2	15.2	NUM
framr-1728	161	25	79.8	79.8	NUM
framr-1728	161	26	disagree	disagree	VERB
framr-1728	161	27	10	10	NUM
framr-1728	161	28	10.1	10.1	NUM
framr-1728	161	29	10.1	10.1	NUM
framr-1728	161	30	89.9	89.9	NUM
framr-1728	161	31	strongly	strongly	ADV
framr-1728	161	32	disagree	disagree	VERB
framr-1728	161	33	10	10	NUM
framr-1728	161	34	10.1	10.1	NUM
framr-1728	161	35	10.1	10.1	NUM
framr-1728	161	36	100.0	100.0	NUM
framr-1728	161	37	source	source	NOUN
framr-1728	161	38	:	:	PUNCT
framr-1728	161	39	author	author	NOUN
framr-1728	161	40	designed	design	VERB
framr-1728	161	41	.	.	PUNCT
framr-1728	162	1	the	the	DET
framr-1728	162	2	table	table	NOUN
framr-1728	162	3	7	7	NUM
framr-1728	162	4	shows	show	VERB
framr-1728	162	5	that	that	SCONJ
framr-1728	162	6	government	government	NOUN
framr-1728	162	7	policy	policy	NOUN
framr-1728	162	8	on	on	ADP
framr-1728	162	9	commercial	commercial	ADJ
framr-1728	162	10	bank	bank	NOUN
framr-1728	162	11	should	should	AUX
framr-1728	162	12	be	be	AUX
framr-1728	162	13	encouraged	encourage	VERB
framr-1728	162	14	.	.	PUNCT
framr-1728	163	1	49.5	49.5	NUM
framr-1728	163	2	strongly	strongly	ADV
framr-1728	163	3	agreed	agree	VERB
framr-1728	163	4	that	that	SCONJ
framr-1728	163	5	government	government	NOUN
framr-1728	163	6	policy	policy	NOUN
framr-1728	163	7	on	on	ADP
framr-1728	163	8	commercial	commercial	ADJ
framr-1728	163	9	bank	bank	NOUN
framr-1728	163	10	should	should	AUX
framr-1728	163	11	be	be	AUX
framr-1728	163	12	encouraged	encourage	VERB
framr-1728	163	13	.	.	PUNCT
framr-1728	164	1	15.2	15.2	NUM
framr-1728	164	2	percent	percent	NOUN
framr-1728	164	3	agreed	agree	VERB
framr-1728	164	4	that	that	SCONJ
framr-1728	164	5	government	government	NOUN
framr-1728	164	6	policy	policy	NOUN
framr-1728	164	7	on	on	ADP
framr-1728	164	8	commercial	commercial	ADJ
framr-1728	164	9	bank	bank	NOUN
framr-1728	164	10	should	should	AUX
framr-1728	164	11	be	be	AUX
framr-1728	164	12	encouraged	encourage	VERB
framr-1728	164	13	.	.	PUNCT
framr-1728	165	1	5.2	5.2	NUM
framr-1728	165	2	were	be	AUX
framr-1728	165	3	undecided	undecided	ADJ
framr-1728	165	4	.	.	PUNCT
framr-1728	166	1	10.1	10.1	NUM
framr-1728	166	2	percent	percent	NOUN
framr-1728	166	3	disagree	disagree	VERB
framr-1728	166	4	that	that	SCONJ
framr-1728	166	5	government	government	NOUN
framr-1728	166	6	policy	policy	NOUN
framr-1728	166	7	on	on	ADP
framr-1728	166	8	commercial	commercial	ADJ
framr-1728	166	9	bank	bank	NOUN
framr-1728	166	10	should	should	AUX
framr-1728	166	11	be	be	AUX
framr-1728	166	12	encouraged	encourage	VERB
framr-1728	166	13	.	.	PUNCT
framr-1728	167	1	financial	financial	ADJ
framr-1728	167	2	risk	risk	NOUN
framr-1728	167	3	and	and	CCONJ
framr-1728	167	4	management	management	NOUN
framr-1728	167	5	reviews	review	NOUN
framr-1728	167	6	,	,	PUNCT
framr-1728	167	7	2019	2019	NUM
framr-1728	167	8	,	,	PUNCT
framr-1728	167	9	5(1	5(1	NUM
framr-1728	167	10	):	):	PUNCT
framr-1728	167	11	1	1	NUM
framr-1728	167	12	-	-	SYM
framr-1728	167	13	9	9	NUM
framr-1728	167	14	7	7	NUM
framr-1728	167	15	©	©	PROPN
framr-1728	167	16	2019	2019	NUM
framr-1728	167	17	conscientia	conscientia	PROPN
framr-1728	167	18	beam	beam	PROPN
framr-1728	167	19	.	.	PUNCT
framr-1728	168	1	all	all	DET
framr-1728	168	2	rights	right	NOUN
framr-1728	168	3	reserved	reserve	VERB
framr-1728	168	4	.	.	PUNCT
framr-1728	169	1	table-8	table-8	NOUN
framr-1728	169	2	.	.	PUNCT
framr-1728	169	3	matrix	matrix	NOUN
framr-1728	169	4	correlation	correlation	NOUN
framr-1728	169	5	result	result	NOUN
framr-1728	169	6	indicating	indicate	VERB
framr-1728	169	7	the	the	DET
framr-1728	169	8	relationship	relationship	NOUN
framr-1728	169	9	between	between	ADP
framr-1728	169	10	the	the	DET
framr-1728	169	11	variables	variable	NOUN
framr-1728	169	12	.	.	PUNCT
framr-1728	170	1	variable	variable	NOUN
framr-1728	170	2	(	(	PUNCT
framr-1728	170	3	1	1	NUM
framr-1728	170	4	)	)	PUNCT
framr-1728	170	5	(	(	PUNCT
framr-1728	170	6	2	2	NUM
framr-1728	170	7	)	)	PUNCT
framr-1728	170	8	(	(	PUNCT
framr-1728	170	9	3	3	X
framr-1728	170	10	)	)	PUNCT
framr-1728	170	11	(	(	PUNCT
framr-1728	170	12	4	4	NUM
framr-1728	170	13	)	)	PUNCT
framr-1728	170	14	(	(	PUNCT
framr-1728	170	15	5	5	NUM
framr-1728	170	16	)	)	PUNCT
framr-1728	170	17	(	(	PUNCT
framr-1728	170	18	6	6	NUM
framr-1728	170	19	)	)	PUNCT
framr-1728	170	20	(	(	PUNCT
framr-1728	170	21	7	7	NUM
framr-1728	170	22	)	)	PUNCT
framr-1728	170	23	(	(	PUNCT
framr-1728	170	24	8)	8)	NUM
framr-1728	170	25	(	(	PUNCT
framr-1728	170	26	9	9	NUM
framr-1728	170	27	)	)	PUNCT
framr-1728	170	28	sex	sex	NOUN
framr-1728	170	29	1	1	NUM
framr-1728	170	30	age	age	NOUN
framr-1728	170	31	.877	.877	NOUN
framr-1728	170	32	*	*	PUNCT
framr-1728	170	33	*	*	SYM
framr-1728	170	34	1	1	NUM
framr-1728	170	35	academic	academic	ADJ
framr-1728	170	36	qualification	qualification	NOUN
framr-1728	170	37	.585	.585	NUM
framr-1728	170	38	*	*	PUNCT
framr-1728	170	39	*	*	NOUN
framr-1728	170	40	.713	.713	NUM
framr-1728	170	41	*	*	PUNCT
framr-1728	170	42	*	*	SYM
framr-1728	170	43	1	1	NUM
framr-1728	170	44	deregulation	deregulation	NOUN
framr-1728	170	45	of	of	ADP
framr-1728	170	46	interest	interest	NOUN
framr-1728	170	47	.623	.623	NUM
framr-1728	170	48	*	*	PUNCT
framr-1728	170	49	*	*	NOUN
framr-1728	170	50	.836	.836	NUM
framr-1728	170	51	*	*	PUNCT
framr-1728	170	52	*	*	NOUN
framr-1728	170	53	.625	.625	NUM
framr-1728	170	54	*	*	PUNCT
framr-1728	170	55	*	*	SYM
framr-1728	170	56	1	1	NUM
framr-1728	170	57	deregulation	deregulation	NOUN
framr-1728	170	58	of	of	ADP
framr-1728	170	59	interest	interest	NOUN
framr-1728	170	60	increase	increase	VERB
framr-1728	170	61	commercial	commercial	ADJ
framr-1728	170	62	bank	bank	NOUN
framr-1728	170	63	.858	.858	NOUN
framr-1728	170	64	*	*	PUNCT
framr-1728	170	65	*	*	PUNCT
framr-1728	170	66	.948	.948	NUM
framr-1728	170	67	*	*	PUNCT
framr-1728	170	68	*	*	NOUN
framr-1728	170	69	.691	.691	NOUN
framr-1728	170	70	*	*	PUNCT
framr-1728	170	71	*	*	NOUN
framr-1728	170	72	.823	.823	NUM
framr-1728	170	73	*	*	PUNCT
framr-1728	170	74	*	*	SYM
framr-1728	170	75	1	1	NUM
framr-1728	170	76	leading	lead	VERB
framr-1728	170	77	policy	policy	NOUN
framr-1728	170	78	affect	affect	VERB
framr-1728	170	79	commercial	commercial	ADJ
framr-1728	170	80	bank	bank	NOUN
framr-1728	170	81	.795	.795	NUM
framr-1728	170	82	*	*	PUNCT
framr-1728	170	83	*	*	PUNCT
framr-1728	170	84	.922	.922	NUM
framr-1728	170	85	*	*	PROPN
framr-1728	170	86	*	*	NOUN
framr-1728	170	87	.683	.683	NUM
framr-1728	170	88	*	*	PUNCT
framr-1728	170	89	*	*	NOUN
framr-1728	170	90	.858	.858	NOUN
framr-1728	170	91	*	*	PUNCT
framr-1728	170	92	*	*	PUNCT
framr-1728	170	93	.970	.970	NOUN
framr-1728	170	94	*	*	PUNCT
framr-1728	170	95	*	*	SYM
framr-1728	170	96	1	1	NUM
framr-1728	170	97	interest	interest	NOUN
framr-1728	170	98	rate	rate	NOUN
framr-1728	170	99	deregulation	deregulation	NOUN
framr-1728	170	100	ability	ability	NOUN
framr-1728	170	101	to	to	PART
framr-1728	170	102	grant	grant	VERB
framr-1728	170	103	loan	loan	NOUN
framr-1728	170	104	.629	.629	NOUN
framr-1728	170	105	*	*	NOUN
framr-1728	170	106	*	*	PUNCT
framr-1728	170	107	.840	.840	PUNCT
framr-1728	170	108	*	*	PUNCT
framr-1728	170	109	*	*	NOUN
framr-1728	170	110	.644	.644	NUM
framr-1728	170	111	*	*	NOUN
framr-1728	170	112	*	*	NOUN
framr-1728	170	113	.991	.991	PUNCT
framr-1728	170	114	*	*	PUNCT
framr-1728	170	115	*	*	PUNCT
framr-1728	170	116	.826	.826	PROPN
framr-1728	170	117	*	*	PUNCT
framr-1728	170	118	*	*	NOUN
framr-1728	170	119	.854	.854	NUM
framr-1728	170	120	*	*	PUNCT
framr-1728	171	1	*	*	SYM
framr-1728	171	2	1	1	NUM
framr-1728	171	3	government	government	NOUN
framr-1728	171	4	policy	policy	NOUN
framr-1728	171	5	on	on	ADP
framr-1728	171	6	commercial	commercial	ADJ
framr-1728	171	7	bank	bank	NOUN
framr-1728	171	8	.869	.869	NUM
framr-1728	171	9	*	*	PUNCT
framr-1728	171	10	*	*	NOUN
framr-1728	171	11	.949	.949	NUM
framr-1728	171	12	.725	.725	NUM
framr-1728	171	13	*	*	NOUN
framr-1728	171	14	*	*	NOUN
framr-1728	171	15	.888	.888	NUM
framr-1728	171	16	*	*	X
framr-1728	171	17	*	*	NOUN
framr-1728	171	18	.933	.933	NUM
framr-1728	171	19	*	*	X
framr-1728	171	20	*	*	NOUN
framr-1728	171	21	.942	.942	NUM
framr-1728	171	22	*	*	PUNCT
framr-1728	171	23	*	*	NOUN
framr-1728	171	24	.889	.889	NUM
framr-1728	171	25	*	*	PUNCT
framr-1728	171	26	*	*	SYM
framr-1728	171	27	1	1	NUM
framr-1728	171	28	government	government	NOUN
framr-1728	171	29	policy	policy	NOUN
framr-1728	171	30	on	on	ADP
framr-1728	171	31	bank	bank	NOUN
framr-1728	171	32	should	should	AUX
framr-1728	171	33	be	be	AUX
framr-1728	171	34	encouraged	encourage	VERB
framr-1728	171	35	.872	.872	PUNCT
framr-1728	172	1	*	*	PUNCT
framr-1728	173	1	*	*	NOUN
framr-1728	173	2	.939	.939	NOUN
framr-1728	174	1	*	*	PUNCT
framr-1728	175	1	*	*	NOUN
framr-1728	175	2	.741	.741	NOUN
framr-1728	175	3	*	*	X
framr-1728	175	4	*	*	NOUN
framr-1728	175	5	.818	.818	NUM
framr-1728	175	6	*	*	PUNCT
framr-1728	175	7	*	*	NOUN
framr-1728	175	8	.976	.976	NUM
framr-1728	175	9	*	*	NOUN
framr-1728	175	10	*	*	NOUN
framr-1728	175	11	.956	.956	NUM
framr-1728	175	12	*	*	PUNCT
framr-1728	175	13	*	*	NOUN
framr-1728	175	14	.824	.824	NUM
framr-1728	175	15	*	*	PUNCT
framr-1728	175	16	*	*	NOUN
framr-1728	175	17	.937	.937	PUNCT
framr-1728	175	18	*	*	PUNCT
framr-1728	175	19	*	*	SYM
framr-1728	175	20	1	1	NUM
framr-1728	175	21	source	source	NOUN
framr-1728	175	22	:	:	PUNCT
framr-1728	175	23	designed	design	VERB
framr-1728	175	24	by	by	ADP
framr-1728	175	25	the	the	DET
framr-1728	175	26	author	author	NOUN
framr-1728	175	27	.	.	PUNCT
framr-1728	176	1	the	the	DET
framr-1728	176	2	level	level	NOUN
framr-1728	176	3	of	of	ADP
framr-1728	176	4	the	the	DET
framr-1728	176	5	acceptance	acceptance	NOUN
framr-1728	176	6	base	base	NOUN
framr-1728	176	7	on	on	ADP
framr-1728	176	8	the	the	DET
framr-1728	176	9	table	table	NOUN
framr-1728	176	10	above	above	ADV
framr-1728	176	11	is	be	AUX
framr-1728	176	12	0.7	0.7	NUM
framr-1728	176	13	>	>	X
framr-1728	176	14	and	and	CCONJ
framr-1728	176	15	above	above	ADV
framr-1728	176	16	,	,	PUNCT
framr-1728	176	17	anything	anything	PRON
framr-1728	176	18	below	below	ADP
framr-1728	176	19	<	<	NOUN
framr-1728	176	20	0.6	0.6	NUM
framr-1728	176	21	will	will	AUX
framr-1728	176	22	be	be	AUX
framr-1728	176	23	rejected	reject	VERB
framr-1728	176	24	.	.	PUNCT
framr-1728	177	1	the	the	DET
framr-1728	177	2	table	table	NOUN
framr-1728	177	3	8	8	NUM
framr-1728	177	4	shows	show	VERB
framr-1728	177	5	the	the	DET
framr-1728	177	6	result	result	NOUN
framr-1728	177	7	of	of	ADP
framr-1728	177	8	the	the	DET
framr-1728	177	9	correlation	correlation	NOUN
framr-1728	177	10	of	of	ADP
framr-1728	177	11	the	the	DET
framr-1728	177	12	research	research	NOUN
framr-1728	177	13	variable	variable	NOUN
framr-1728	177	14	which	which	PRON
framr-1728	177	15	used	use	VERB
framr-1728	177	16	to	to	PART
framr-1728	177	17	test	test	VERB
framr-1728	177	18	the	the	DET
framr-1728	177	19	significant	significant	ADJ
framr-1728	177	20	correlation	correlation	NOUN
framr-1728	177	21	between	between	ADP
framr-1728	177	22	the	the	DET
framr-1728	177	23	variables	variable	NOUN
framr-1728	177	24	on	on	ADP
framr-1728	177	25	each	each	DET
framr-1728	177	26	other	other	ADJ
framr-1728	177	27	.	.	PUNCT
framr-1728	178	1	the	the	DET
framr-1728	178	2	level	level	NOUN
framr-1728	178	3	of	of	ADP
framr-1728	178	4	the	the	DET
framr-1728	178	5	acceptance	acceptance	NOUN
framr-1728	178	6	based	base	VERB
framr-1728	178	7	is	be	AUX
framr-1728	178	8	0.7	0.7	NUM
framr-1728	178	9	and	and	CCONJ
framr-1728	178	10	above	above	ADV
framr-1728	178	11	while	while	SCONJ
framr-1728	178	12	anything	anything	PRON
framr-1728	178	13	below	below	ADP
framr-1728	178	14	0.6	0.6	NUM
framr-1728	178	15	is	be	AUX
framr-1728	178	16	rejected	reject	VERB
framr-1728	178	17	.	.	PUNCT
framr-1728	179	1	deregulation	deregulation	NOUN
framr-1728	179	2	of	of	ADP
framr-1728	179	3	interest	interest	NOUN
framr-1728	179	4	rate	rate	NOUN
framr-1728	179	5	has	have	VERB
framr-1728	179	6	something	something	PRON
framr-1728	179	7	to	to	PART
framr-1728	179	8	do	do	VERB
framr-1728	179	9	with	with	ADP
framr-1728	179	10	bank	bank	NOUN
framr-1728	179	11	profit	profit	NOUN
framr-1728	179	12	and	and	CCONJ
framr-1728	179	13	lending	lending	NOUN
framr-1728	179	14	policy	policy	NOUN
framr-1728	179	15	affects	affect	VERB
framr-1728	179	16	the	the	DET
framr-1728	179	17	commercial	commercial	ADJ
framr-1728	179	18	bankability	bankability	NOUN
framr-1728	179	19	to	to	PART
framr-1728	179	20	grant	grant	VERB
framr-1728	179	21	loan	loan	NOUN
framr-1728	179	22	and	and	CCONJ
framr-1728	179	23	decision	decision	NOUN
framr-1728	179	24	shows	show	VERB
framr-1728	179	25	the	the	DET
framr-1728	179	26	significant	significant	ADJ
framr-1728	179	27	correlation	correlation	NOUN
framr-1728	179	28	between	between	ADP
framr-1728	179	29	the	the	DET
framr-1728	179	30	two	two	NUM
framr-1728	179	31	variables	variable	NOUN
framr-1728	179	32	in	in	ADP
framr-1728	179	33	the	the	DET
framr-1728	179	34	research	research	NOUN
framr-1728	179	35	since	since	SCONJ
framr-1728	179	36	the	the	DET
framr-1728	179	37	level	level	NOUN
framr-1728	179	38	of	of	ADP
framr-1728	179	39	the	the	DET
framr-1728	179	40	significance	significance	NOUN
framr-1728	179	41	is	be	AUX
framr-1728	179	42	0.85	0.85	NUM
framr-1728	179	43	which	which	PRON
framr-1728	179	44	is	be	AUX
framr-1728	179	45	greater	great	ADJ
framr-1728	179	46	than	than	ADP
framr-1728	179	47	>	>	PUNCT
framr-1728	179	48	0.6	0.6	NUM
framr-1728	179	49	level	level	NOUN
framr-1728	179	50	of	of	ADP
framr-1728	179	51	the	the	DET
framr-1728	179	52	rejection	rejection	NOUN
framr-1728	179	53	.	.	PUNCT
framr-1728	180	1	the	the	DET
framr-1728	180	2	correlation	correlation	NOUN
framr-1728	180	3	between	between	ADP
framr-1728	180	4	government	government	NOUN
framr-1728	180	5	policy	policy	NOUN
framr-1728	180	6	on	on	ADP
framr-1728	180	7	commercial	commercial	ADJ
framr-1728	180	8	bank	bank	NOUN
framr-1728	180	9	should	should	AUX
framr-1728	180	10	be	be	AUX
framr-1728	180	11	encouraged	encourage	VERB
framr-1728	180	12	the	the	DET
framr-1728	180	13	deregulation	deregulation	NOUN
framr-1728	180	14	of	of	ADP
framr-1728	180	15	the	the	DET
framr-1728	180	16	interest	interest	NOUN
framr-1728	180	17	rate	rate	NOUN
framr-1728	180	18	has	have	AUX
framr-1728	180	19	increased	increase	VERB
framr-1728	180	20	the	the	DET
framr-1728	180	21	commercial	commercial	ADJ
framr-1728	180	22	bank	bank	NOUN
framr-1728	180	23	profit	profit	NOUN
framr-1728	180	24	.	.	PUNCT
framr-1728	181	1	however	however	ADV
framr-1728	181	2	,	,	PUNCT
framr-1728	181	3	the	the	DET
framr-1728	181	4	decision	decision	NOUN
framr-1728	181	5	indicates	indicate	VERB
framr-1728	181	6	the	the	DET
framr-1728	181	7	strong	strong	ADJ
framr-1728	181	8	relationship	relationship	NOUN
framr-1728	181	9	between	between	ADP
framr-1728	181	10	the	the	DET
framr-1728	181	11	two	two	NUM
framr-1728	181	12	variables	variable	NOUN
framr-1728	181	13	at	at	ADP
framr-1728	181	14	the	the	DET
framr-1728	181	15	high	high	ADJ
framr-1728	181	16	level	level	NOUN
framr-1728	181	17	of	of	ADP
framr-1728	181	18	significance	significance	NOUN
framr-1728	181	19	of	of	ADP
framr-1728	181	20	0.97	0.97	NUM
framr-1728	181	21	which	which	PRON
framr-1728	181	22	is	be	AUX
framr-1728	181	23	greater	great	ADJ
framr-1728	181	24	than	than	ADP
framr-1728	181	25	the	the	DET
framr-1728	181	26	0.6	0.6	NUM
framr-1728	181	27	rejection	rejection	NOUN
framr-1728	181	28	level	level	NOUN
framr-1728	181	29	.	.	PUNCT
framr-1728	182	1	age	age	NOUN
framr-1728	182	2	of	of	ADP
framr-1728	182	3	the	the	DET
framr-1728	182	4	respondents	respondent	NOUN
framr-1728	182	5	with	with	ADP
framr-1728	182	6	their	their	PRON
framr-1728	182	7	academic	academic	ADJ
framr-1728	182	8	qualification	qualification	NOUN
framr-1728	182	9	of	of	ADP
framr-1728	182	10	the	the	DET
framr-1728	182	11	respondents	respondent	NOUN
framr-1728	182	12	indicates	indicate	VERB
framr-1728	182	13	the	the	DET
framr-1728	182	14	strong	strong	ADJ
framr-1728	182	15	correlation	correlation	NOUN
framr-1728	182	16	between	between	ADP
framr-1728	182	17	the	the	DET
framr-1728	182	18	age	age	NOUN
framr-1728	182	19	of	of	ADP
framr-1728	182	20	the	the	DET
framr-1728	182	21	respondents	respondent	NOUN
framr-1728	182	22	with	with	ADP
framr-1728	182	23	their	their	PRON
framr-1728	182	24	academic	academic	ADJ
framr-1728	182	25	qualification	qualification	NOUN
framr-1728	182	26	since	since	SCONJ
framr-1728	182	27	the	the	DET
framr-1728	182	28	level	level	NOUN
framr-1728	182	29	of	of	ADP
framr-1728	182	30	the	the	DET
framr-1728	182	31	significance	significance	NOUN
framr-1728	182	32	is	be	AUX
framr-1728	182	33	0.71	0.71	NUM
framr-1728	182	34	which	which	PRON
framr-1728	182	35	is	be	AUX
framr-1728	182	36	greater	great	ADJ
framr-1728	182	37	than	than	ADP
framr-1728	182	38	0.6	0.6	NUM
framr-1728	182	39	level	level	NOUN
framr-1728	182	40	of	of	ADP
framr-1728	182	41	the	the	DET
framr-1728	182	42	rejection	rejection	NOUN
framr-1728	182	43	and	and	CCONJ
framr-1728	182	44	that	that	PRON
framr-1728	182	45	show	show	VERB
framr-1728	182	46	the	the	DET
framr-1728	182	47	level	level	NOUN
framr-1728	182	48	of	of	ADP
framr-1728	182	49	awareness	awareness	NOUN
framr-1728	182	50	of	of	ADP
framr-1728	182	51	experts	expert	NOUN
framr-1728	182	52	with	with	ADP
framr-1728	182	53	the	the	DET
framr-1728	182	54	policy	policy	NOUN
framr-1728	182	55	and	and	CCONJ
framr-1728	182	56	activities	activity	NOUN
framr-1728	182	57	of	of	ADP
framr-1728	182	58	financial	financial	ADJ
framr-1728	182	59	institutions	institution	NOUN
framr-1728	182	60	.	.	PUNCT
framr-1728	183	1	4.2	4.2	NUM
framr-1728	183	2	.	.	PUNCT
framr-1728	183	3	discussion	discussion	NOUN
framr-1728	183	4	this	this	DET
framr-1728	183	5	study	study	NOUN
framr-1728	183	6	examined	examine	VERB
framr-1728	183	7	the	the	DET
framr-1728	183	8	impact	impact	NOUN
framr-1728	183	9	of	of	ADP
framr-1728	183	10	the	the	DET
framr-1728	183	11	profitability	profitability	NOUN
framr-1728	183	12	of	of	ADP
framr-1728	183	13	commercial	commercial	ADJ
framr-1728	183	14	bank	bank	NOUN
framr-1728	183	15	in	in	ADP
framr-1728	183	16	nigeria	nigeria	PROPN
framr-1728	183	17	on	on	ADP
framr-1728	183	18	interest	interest	NOUN
framr-1728	183	19	rate	rate	NOUN
framr-1728	183	20	deregulation	deregulation	NOUN
framr-1728	183	21	,	,	PUNCT
framr-1728	183	22	the	the	DET
framr-1728	183	23	author	author	NOUN
framr-1728	183	24	used	use	VERB
framr-1728	183	25	simple	simple	ADJ
framr-1728	183	26	percentage	percentage	NOUN
framr-1728	183	27	to	to	PART
framr-1728	183	28	analyze	analyze	VERB
framr-1728	183	29	the	the	DET
framr-1728	183	30	research	research	NOUN
framr-1728	183	31	variable	variable	NOUN
framr-1728	183	32	and	and	CCONJ
framr-1728	183	33	also	also	ADV
framr-1728	183	34	correlation	correlation	NOUN
framr-1728	183	35	was	be	AUX
framr-1728	183	36	used	use	VERB
framr-1728	183	37	to	to	PART
framr-1728	183	38	test	test	VERB
framr-1728	183	39	the	the	DET
framr-1728	183	40	significance	significance	NOUN
framr-1728	183	41	of	of	ADP
framr-1728	183	42	the	the	DET
framr-1728	183	43	variable	variable	ADJ
framr-1728	183	44	relationships	relationship	NOUN
framr-1728	183	45	.	.	PUNCT
framr-1728	184	1	this	this	DET
framr-1728	184	2	study	study	NOUN
framr-1728	184	3	was	be	AUX
framr-1728	184	4	made	make	VERB
framr-1728	184	5	to	to	PART
framr-1728	184	6	check	check	VERB
framr-1728	184	7	whether	whether	SCONJ
framr-1728	184	8	the	the	DET
framr-1728	184	9	commercial	commercial	ADJ
framr-1728	184	10	bank	bank	NOUN
framr-1728	184	11	is	be	AUX
framr-1728	184	12	earning	earn	VERB
framr-1728	184	13	profit	profit	NOUN
framr-1728	184	14	from	from	ADP
framr-1728	184	15	the	the	DET
framr-1728	184	16	market	market	NOUN
framr-1728	184	17	base	base	NOUN
framr-1728	184	18	interest	interest	NOUN
framr-1728	184	19	rate	rate	NOUN
framr-1728	184	20	,	,	PUNCT
framr-1728	184	21	this	this	PRON
framr-1728	184	22	is	be	AUX
framr-1728	184	23	due	due	ADJ
framr-1728	184	24	to	to	ADP
framr-1728	184	25	the	the	DET
framr-1728	184	26	fact	fact	NOUN
framr-1728	184	27	that	that	SCONJ
framr-1728	184	28	before	before	ADP
framr-1728	184	29	1986	1986	NUM
framr-1728	184	30	the	the	DET
framr-1728	184	31	rate	rate	NOUN
framr-1728	184	32	of	of	ADP
framr-1728	184	33	interest	interest	NOUN
framr-1728	184	34	on	on	ADP
framr-1728	184	35	both	both	CCONJ
framr-1728	184	36	the	the	DET
framr-1728	184	37	lending	lending	NOUN
framr-1728	184	38	and	and	CCONJ
framr-1728	184	39	deposit	deposit	NOUN
framr-1728	184	40	was	be	AUX
framr-1728	184	41	regulated	regulate	VERB
framr-1728	184	42	by	by	ADP
framr-1728	184	43	the	the	DET
framr-1728	184	44	government	government	NOUN
framr-1728	184	45	,	,	PUNCT
framr-1728	184	46	which	which	PRON
framr-1728	184	47	commercial	commercial	ADJ
framr-1728	184	48	bank	bank	NOUN
framr-1728	184	49	has	have	VERB
framr-1728	184	50	no	no	DET
framr-1728	184	51	power	power	NOUN
framr-1728	184	52	on	on	ADP
framr-1728	184	53	the	the	DET
framr-1728	184	54	interest	interest	NOUN
framr-1728	184	55	rate	rate	NOUN
framr-1728	184	56	determination	determination	NOUN
framr-1728	184	57	.	.	PUNCT
framr-1728	185	1	but	but	CCONJ
framr-1728	185	2	after	after	ADP
framr-1728	185	3	the	the	DET
framr-1728	185	4	deregulation	deregulation	NOUN
framr-1728	185	5	of	of	ADP
framr-1728	185	6	1986	1986	NUM
framr-1728	185	7	,	,	PUNCT
framr-1728	185	8	the	the	DET
framr-1728	185	9	rate	rate	NOUN
framr-1728	185	10	to	to	PART
framr-1728	185	11	be	be	AUX
framr-1728	185	12	given	give	VERB
framr-1728	185	13	and	and	CCONJ
framr-1728	185	14	the	the	DET
framr-1728	185	15	rate	rate	NOUN
framr-1728	185	16	to	to	PART
framr-1728	185	17	be	be	AUX
framr-1728	185	18	charged	charge	VERB
framr-1728	185	19	was	be	AUX
framr-1728	185	20	based	base	VERB
framr-1728	185	21	on	on	ADP
framr-1728	185	22	force	force	NOUN
framr-1728	185	23	in	in	ADP
framr-1728	185	24	the	the	DET
framr-1728	185	25	market	market	NOUN
framr-1728	185	26	.	.	PUNCT
framr-1728	186	1	the	the	DET
framr-1728	186	2	researcher	researcher	NOUN
framr-1728	186	3	used	use	VERB
framr-1728	186	4	the	the	DET
framr-1728	186	5	appropriate	appropriate	ADJ
framr-1728	186	6	method	method	NOUN
framr-1728	186	7	to	to	PART
framr-1728	186	8	determine	determine	VERB
framr-1728	186	9	and	and	CCONJ
framr-1728	186	10	analyses	analyse	VERB
framr-1728	186	11	the	the	DET
framr-1728	186	12	outcome	outcome	NOUN
framr-1728	186	13	,	,	PUNCT
framr-1728	186	14	the	the	DET
framr-1728	186	15	research	research	NOUN
framr-1728	186	16	also	also	ADV
framr-1728	186	17	reveals	reveal	VERB
framr-1728	186	18	that	that	SCONJ
framr-1728	186	19	69	69	NUM
framr-1728	186	20	%	%	NOUN
framr-1728	186	21	of	of	ADP
framr-1728	186	22	the	the	DET
framr-1728	186	23	respondents	respondent	NOUN
framr-1728	186	24	are	be	AUX
framr-1728	186	25	male	male	ADJ
framr-1728	186	26	and	and	CCONJ
framr-1728	186	27	which	which	PRON
framr-1728	186	28	are	be	AUX
framr-1728	186	29	actively	actively	ADV
framr-1728	186	30	participating	participate	VERB
framr-1728	186	31	in	in	ADP
framr-1728	186	32	the	the	DET
framr-1728	186	33	banking	banking	NOUN
framr-1728	186	34	activities	activity	NOUN
framr-1728	186	35	and	and	CCONJ
framr-1728	186	36	the	the	DET
framr-1728	186	37	business	business	NOUN
framr-1728	186	38	that	that	PRON
framr-1728	186	39	in	in	ADP
framr-1728	186	40	the	the	DET
framr-1728	186	41	one	one	NUM
framr-1728	186	42	hand	hand	NOUN
framr-1728	186	43	or	or	CCONJ
framr-1728	186	44	the	the	DET
framr-1728	186	45	other	other	ADJ
framr-1728	186	46	has	have	VERB
framr-1728	186	47	relationships	relationship	NOUN
framr-1728	186	48	with	with	ADP
framr-1728	186	49	bank	bank	NOUN
framr-1728	186	50	profit	profit	NOUN
framr-1728	186	51	on	on	ADP
framr-1728	186	52	deregulation	deregulation	NOUN
framr-1728	186	53	policy	policy	NOUN
framr-1728	186	54	period	period	NOUN
framr-1728	186	55	.	.	PUNCT
framr-1728	187	1	it	it	PRON
framr-1728	187	2	has	have	AUX
framr-1728	187	3	also	also	ADV
framr-1728	187	4	observed	observe	VERB
framr-1728	187	5	that	that	SCONJ
framr-1728	187	6	the	the	DET
framr-1728	187	7	respondent	respondent	NOUN
framr-1728	187	8	have	have	VERB
framr-1728	187	9	to	to	PART
framr-1728	187	10	see	see	VERB
framr-1728	187	11	both	both	CCONJ
framr-1728	187	12	the	the	DET
framr-1728	187	13	era	era	NOUN
framr-1728	187	14	of	of	ADP
framr-1728	187	15	the	the	DET
framr-1728	187	16	regulation	regulation	NOUN
framr-1728	187	17	and	and	CCONJ
framr-1728	187	18	the	the	DET
framr-1728	187	19	deregulation	deregulation	NOUN
framr-1728	187	20	of	of	ADP
framr-1728	187	21	the	the	DET
framr-1728	187	22	interest	interest	NOUN
framr-1728	187	23	rate	rate	NOUN
framr-1728	187	24	which	which	PRON
framr-1728	187	25	reveal	reveal	VERB
framr-1728	187	26	that	that	SCONJ
framr-1728	187	27	commercial	commercial	ADJ
framr-1728	187	28	bank	bank	NOUN
framr-1728	187	29	earned	earn	VERB
framr-1728	187	30	profit	profit	NOUN
framr-1728	187	31	more	more	ADV
framr-1728	187	32	during	during	ADP
framr-1728	187	33	the	the	DET
framr-1728	187	34	deregulation	deregulation	NOUN
framr-1728	187	35	of	of	ADP
framr-1728	187	36	the	the	DET
framr-1728	187	37	interest	interest	NOUN
framr-1728	187	38	rate	rate	NOUN
framr-1728	187	39	because	because	SCONJ
framr-1728	187	40	their	their	PRON
framr-1728	187	41	ability	ability	NOUN
framr-1728	187	42	to	to	PART
framr-1728	187	43	grant	grant	VERB
framr-1728	187	44	loan	loan	NOUN
framr-1728	187	45	has	have	AUX
framr-1728	187	46	increased	increase	VERB
framr-1728	187	47	.	.	PUNCT
framr-1728	188	1	in	in	ADP
framr-1728	188	2	addition	addition	NOUN
framr-1728	188	3	,	,	PUNCT
framr-1728	188	4	it	it	PRON
framr-1728	188	5	has	have	AUX
framr-1728	188	6	also	also	ADV
framr-1728	188	7	agreed	agree	VERB
framr-1728	188	8	that	that	SCONJ
framr-1728	188	9	deregulation	deregulation	NOUN
framr-1728	188	10	of	of	ADP
framr-1728	188	11	the	the	DET
framr-1728	188	12	interest	interest	NOUN
framr-1728	188	13	rate	rate	NOUN
framr-1728	188	14	has	have	VERB
framr-1728	188	15	something	something	PRON
framr-1728	188	16	to	to	PART
framr-1728	188	17	do	do	VERB
framr-1728	188	18	with	with	ADP
framr-1728	188	19	bank	bank	NOUN
framr-1728	188	20	profit	profit	NOUN
framr-1728	188	21	,	,	PUNCT
framr-1728	188	22	this	this	PRON
framr-1728	188	23	is	be	AUX
framr-1728	188	24	suggesting	suggest	VERB
framr-1728	188	25	that	that	SCONJ
framr-1728	188	26	commercial	commercial	ADJ
framr-1728	188	27	bank	bank	NOUN
framr-1728	188	28	is	be	AUX
framr-1728	188	29	earning	earn	VERB
framr-1728	188	30	more	more	ADJ
framr-1728	188	31	profit	profit	NOUN
framr-1728	188	32	only	only	ADV
framr-1728	188	33	during	during	ADP
framr-1728	188	34	the	the	DET
framr-1728	188	35	deregulation	deregulation	NOUN
framr-1728	188	36	period	period	NOUN
framr-1728	188	37	of	of	ADP
framr-1728	188	38	the	the	DET
framr-1728	188	39	interest	interest	NOUN
framr-1728	188	40	rate	rate	NOUN
framr-1728	188	41	(	(	PUNCT
framr-1728	188	42	therrell	therrell	INTJ
framr-1728	188	43	et	et	PROPN
framr-1728	188	44	al	al	PROPN
framr-1728	188	45	.	.	PROPN
framr-1728	188	46	,	,	PUNCT
framr-1728	188	47	2012	2012	NUM
framr-1728	188	48	)	)	PUNCT
framr-1728	188	49	when	when	SCONJ
framr-1728	188	50	all	all	DET
framr-1728	188	51	the	the	DET
framr-1728	188	52	control	control	NOUN
framr-1728	188	53	were	be	AUX
framr-1728	188	54	removed	remove	VERB
framr-1728	188	55	,	,	PUNCT
framr-1728	188	56	commercial	commercial	ADJ
framr-1728	188	57	bank	bank	NOUN
framr-1728	188	58	will	will	AUX
framr-1728	188	59	gain	gain	VERB
framr-1728	188	60	profit	profit	NOUN
framr-1728	188	61	,	,	PUNCT
framr-1728	188	62	this	this	PRON
framr-1728	188	63	is	be	AUX
framr-1728	188	64	because	because	SCONJ
framr-1728	188	65	all	all	DET
framr-1728	188	66	restriction	restriction	NOUN
framr-1728	188	67	by	by	ADP
framr-1728	188	68	the	the	DET
framr-1728	188	69	government	government	NOUN
framr-1728	188	70	was	be	AUX
framr-1728	188	71	removed	remove	VERB
framr-1728	188	72	which	which	PRON
framr-1728	188	73	lower	lower	VERB
framr-1728	188	74	the	the	DET
framr-1728	188	75	profit	profit	NOUN
framr-1728	188	76	of	of	ADP
framr-1728	188	77	the	the	DET
framr-1728	188	78	bank	bank	NOUN
framr-1728	188	79	.	.	PUNCT
framr-1728	189	1	with	with	ADP
framr-1728	189	2	the	the	DET
framr-1728	189	3	deregulation	deregulation	NOUN
framr-1728	189	4	of	of	ADP
framr-1728	189	5	the	the	DET
framr-1728	189	6	rate	rate	NOUN
framr-1728	189	7	of	of	ADP
framr-1728	189	8	financial	financial	ADJ
framr-1728	189	9	risk	risk	NOUN
framr-1728	189	10	and	and	CCONJ
framr-1728	189	11	management	management	NOUN
framr-1728	189	12	reviews	review	NOUN
framr-1728	189	13	,	,	PUNCT
framr-1728	189	14	2019	2019	NUM
framr-1728	189	15	,	,	PUNCT
framr-1728	189	16	5(1	5(1	NUM
framr-1728	189	17	):	):	PUNCT
framr-1728	189	18	1	1	NUM
framr-1728	189	19	-	-	SYM
framr-1728	189	20	9	9	NUM
framr-1728	189	21	8	8	NUM
framr-1728	189	22	©	©	PROPN
framr-1728	189	23	2019	2019	NUM
framr-1728	189	24	conscientia	conscientia	PROPN
framr-1728	189	25	beam	beam	PROPN
framr-1728	189	26	.	.	PUNCT
framr-1728	190	1	all	all	DET
framr-1728	190	2	rights	right	NOUN
framr-1728	190	3	reserved	reserve	VERB
framr-1728	190	4	.	.	PUNCT
framr-1728	191	1	interest	interest	NOUN
framr-1728	191	2	,	,	PUNCT
framr-1728	191	3	then	then	ADV
framr-1728	191	4	the	the	DET
framr-1728	191	5	bank	bank	NOUN
framr-1728	191	6	will	will	AUX
framr-1728	191	7	charge	charge	VERB
framr-1728	191	8	interest	interest	NOUN
framr-1728	191	9	base	base	NOUN
framr-1728	191	10	on	on	ADP
framr-1728	191	11	the	the	DET
framr-1728	191	12	level	level	NOUN
framr-1728	191	13	of	of	ADP
framr-1728	191	14	saving	saving	NOUN
framr-1728	191	15	and	and	CCONJ
framr-1728	191	16	lending	lending	NOUN
framr-1728	191	17	,	,	PUNCT
framr-1728	191	18	this	this	PRON
framr-1728	191	19	proves	prove	VERB
framr-1728	191	20	that	that	SCONJ
framr-1728	191	21	deregulation	deregulation	NOUN
framr-1728	191	22	has	have	AUX
framr-1728	191	23	contributed	contribute	VERB
framr-1728	191	24	to	to	ADP
framr-1728	191	25	the	the	DET
framr-1728	191	26	profit	profit	NOUN
framr-1728	191	27	of	of	ADP
framr-1728	191	28	the	the	DET
framr-1728	191	29	commercial	commercial	ADJ
framr-1728	191	30	bank	bank	NOUN
framr-1728	191	31	.	.	PUNCT
framr-1728	192	1	it	it	PRON
framr-1728	192	2	has	have	AUX
framr-1728	192	3	also	also	ADV
framr-1728	192	4	been	be	AUX
framr-1728	192	5	observed	observe	VERB
framr-1728	192	6	that	that	SCONJ
framr-1728	192	7	deregulation	deregulation	NOUN
framr-1728	192	8	of	of	ADP
framr-1728	192	9	the	the	DET
framr-1728	192	10	interest	interest	NOUN
framr-1728	192	11	rate	rate	NOUN
framr-1728	192	12	has	have	AUX
framr-1728	192	13	increased	increase	VERB
framr-1728	192	14	the	the	DET
framr-1728	192	15	commercial	commercial	ADJ
framr-1728	192	16	bank	bank	NOUN
framr-1728	192	17	profit	profit	NOUN
framr-1728	192	18	,	,	PUNCT
framr-1728	192	19	in	in	ADP
framr-1728	192	20	the	the	DET
framr-1728	192	21	sense	sense	NOUN
framr-1728	192	22	that	that	SCONJ
framr-1728	192	23	the	the	DET
framr-1728	192	24	rate	rate	NOUN
framr-1728	192	25	of	of	ADP
framr-1728	192	26	interest	interest	NOUN
framr-1728	192	27	will	will	AUX
framr-1728	192	28	now	now	ADV
framr-1728	192	29	be	be	AUX
framr-1728	192	30	determined	determine	VERB
framr-1728	192	31	by	by	ADP
framr-1728	192	32	the	the	DET
framr-1728	192	33	market	market	NOUN
framr-1728	192	34	force	force	NOUN
framr-1728	192	35	.	.	PUNCT
framr-1728	193	1	government	government	NOUN
framr-1728	193	2	intervention	intervention	NOUN
framr-1728	193	3	will	will	AUX
framr-1728	193	4	be	be	AUX
framr-1728	193	5	all	all	PRON
framr-1728	193	6	removed	remove	VERB
framr-1728	193	7	so	so	SCONJ
framr-1728	193	8	that	that	SCONJ
framr-1728	193	9	the	the	DET
framr-1728	193	10	commercial	commercial	ADJ
framr-1728	193	11	bank	bank	NOUN
framr-1728	193	12	will	will	AUX
framr-1728	193	13	increase	increase	VERB
framr-1728	193	14	the	the	DET
framr-1728	193	15	fund	fund	NOUN
framr-1728	193	16	by	by	ADP
framr-1728	193	17	raising	raise	VERB
framr-1728	193	18	the	the	DET
framr-1728	193	19	interest	interest	NOUN
framr-1728	193	20	on	on	ADP
framr-1728	193	21	saving	save	VERB
framr-1728	193	22	so	so	SCONJ
framr-1728	193	23	that	that	SCONJ
framr-1728	193	24	it	it	PRON
framr-1728	193	25	will	will	AUX
framr-1728	193	26	have	have	VERB
framr-1728	193	27	more	more	ADJ
framr-1728	193	28	to	to	PART
framr-1728	193	29	lend	lend	VERB
framr-1728	193	30	to	to	ADP
framr-1728	193	31	the	the	DET
framr-1728	193	32	businesses	business	NOUN
framr-1728	193	33	will	will	AUX
framr-1728	193	34	,	,	PUNCT
framr-1728	193	35	in	in	ADP
framr-1728	193	36	turn	turn	NOUN
framr-1728	193	37	,	,	PUNCT
framr-1728	193	38	raise	raise	VERB
framr-1728	193	39	its	its	PRON
framr-1728	193	40	profit	profit	NOUN
framr-1728	193	41	.	.	PUNCT
framr-1728	194	1	nwankwo	nwankwo	PROPN
framr-1728	194	2	(	(	PUNCT
framr-1728	194	3	1989	1989	NUM
framr-1728	194	4	)	)	PUNCT
framr-1728	194	5	shows	show	VERB
framr-1728	194	6	that	that	SCONJ
framr-1728	194	7	deregulation	deregulation	NOUN
framr-1728	194	8	leads	lead	VERB
framr-1728	194	9	to	to	ADP
framr-1728	194	10	more	more	ADV
framr-1728	194	11	efficient	efficient	ADJ
framr-1728	194	12	allocation	allocation	NOUN
framr-1728	194	13	in	in	ADP
framr-1728	194	14	the	the	DET
framr-1728	194	15	financial	financial	ADJ
framr-1728	194	16	market	market	NOUN
framr-1728	194	17	which	which	PRON
framr-1728	194	18	also	also	ADV
framr-1728	194	19	increase	increase	VERB
framr-1728	194	20	the	the	DET
framr-1728	194	21	commercial	commercial	ADJ
framr-1728	194	22	bank	bank	NOUN
framr-1728	194	23	profit	profit	NOUN
framr-1728	194	24	,	,	PUNCT
framr-1728	194	25	this	this	PRON
framr-1728	194	26	is	be	AUX
framr-1728	194	27	also	also	ADV
framr-1728	194	28	evident	evident	ADJ
framr-1728	194	29	that	that	SCONJ
framr-1728	194	30	70	70	NUM
framr-1728	194	31	%	%	NOUN
framr-1728	194	32	of	of	ADP
framr-1728	194	33	the	the	DET
framr-1728	194	34	respondents	respondent	NOUN
framr-1728	194	35	agreed	agree	VERB
framr-1728	194	36	that	that	SCONJ
framr-1728	194	37	deregulation	deregulation	NOUN
framr-1728	194	38	gas	gas	NOUN
framr-1728	194	39	increases	increase	VERB
framr-1728	194	40	the	the	DET
framr-1728	194	41	bank	bank	NOUN
framr-1728	194	42	profit	profit	NOUN
framr-1728	194	43	.	.	PUNCT
framr-1728	195	1	the	the	DET
framr-1728	195	2	regulation	regulation	NOUN
framr-1728	195	3	period	period	NOUN
framr-1728	195	4	of	of	ADP
framr-1728	195	5	interest	interest	NOUN
framr-1728	195	6	rate	rate	NOUN
framr-1728	195	7	was	be	AUX
framr-1728	195	8	not	not	PART
framr-1728	195	9	beneficial	beneficial	ADJ
framr-1728	195	10	to	to	ADP
framr-1728	195	11	the	the	DET
framr-1728	195	12	commercial	commercial	ADJ
framr-1728	195	13	bank	bank	NOUN
framr-1728	195	14	this	this	PRON
framr-1728	195	15	is	be	AUX
framr-1728	195	16	because	because	SCONJ
framr-1728	195	17	all	all	DET
framr-1728	195	18	the	the	DET
framr-1728	195	19	interest	interest	NOUN
framr-1728	195	20	rate	rate	NOUN
framr-1728	195	21	to	to	PART
framr-1728	195	22	be	be	AUX
framr-1728	195	23	charge	charge	NOUN
framr-1728	195	24	are	be	AUX
framr-1728	195	25	determined	determine	VERB
framr-1728	195	26	by	by	ADP
framr-1728	195	27	the	the	DET
framr-1728	195	28	government	government	NOUN
framr-1728	195	29	authority	authority	NOUN
framr-1728	195	30	,	,	PUNCT
framr-1728	195	31	gan	gan	PROPN
framr-1728	195	32	(	(	PUNCT
framr-1728	195	33	2007	2007	NUM
framr-1728	195	34	)	)	PUNCT
framr-1728	195	35	also	also	ADV
framr-1728	195	36	stated	state	VERB
framr-1728	195	37	that	that	SCONJ
framr-1728	195	38	lending	lending	NOUN
framr-1728	195	39	policy	policy	NOUN
framr-1728	195	40	by	by	ADP
framr-1728	195	41	government	government	NOUN
framr-1728	195	42	affect	affect	VERB
framr-1728	195	43	the	the	DET
framr-1728	195	44	bank	bank	NOUN
framr-1728	195	45	to	to	PART
framr-1728	195	46	grant	grant	VERB
framr-1728	195	47	loan	loan	NOUN
framr-1728	195	48	,	,	PUNCT
framr-1728	195	49	since	since	SCONJ
framr-1728	195	50	bank	bank	NOUN
framr-1728	195	51	will	will	AUX
framr-1728	195	52	not	not	PART
framr-1728	195	53	be	be	AUX
framr-1728	195	54	in	in	ADP
framr-1728	195	55	the	the	DET
framr-1728	195	56	position	position	NOUN
framr-1728	195	57	to	to	PART
framr-1728	195	58	grant	grant	VERB
framr-1728	195	59	loan	loan	NOUN
framr-1728	195	60	due	due	ADP
framr-1728	195	61	to	to	ADP
framr-1728	195	62	such	such	ADJ
framr-1728	195	63	restrictive	restrictive	ADJ
framr-1728	195	64	policy	policy	NOUN
framr-1728	195	65	on	on	ADP
framr-1728	195	66	the	the	DET
framr-1728	195	67	interest	interest	NOUN
framr-1728	195	68	,	,	PUNCT
framr-1728	195	69	the	the	DET
framr-1728	195	70	commercial	commercial	ADJ
framr-1728	195	71	bank	bank	NOUN
framr-1728	195	72	profit	profit	NOUN
framr-1728	195	73	is	be	AUX
framr-1728	195	74	very	very	ADV
framr-1728	195	75	low	low	ADJ
framr-1728	195	76	,	,	PUNCT
framr-1728	195	77	this	this	PRON
framr-1728	195	78	is	be	AUX
framr-1728	195	79	also	also	ADV
framr-1728	195	80	from	from	ADP
framr-1728	195	81	the	the	DET
framr-1728	195	82	research	research	NOUN
framr-1728	195	83	that	that	SCONJ
framr-1728	195	84	79	79	NUM
framr-1728	195	85	%	%	NOUN
framr-1728	195	86	agreed	agree	VERB
framr-1728	195	87	that	that	SCONJ
framr-1728	195	88	government	government	NOUN
framr-1728	195	89	policy	policy	NOUN
framr-1728	195	90	reduced	reduce	VERB
framr-1728	195	91	the	the	DET
framr-1728	195	92	bank	bank	NOUN
framr-1728	195	93	profit	profit	NOUN
framr-1728	195	94	.	.	PUNCT
framr-1728	196	1	this	this	DET
framr-1728	196	2	deregulation	deregulation	NOUN
framr-1728	196	3	of	of	ADP
framr-1728	196	4	interest	interest	NOUN
framr-1728	196	5	rate	rate	NOUN
framr-1728	196	6	has	have	VERB
framr-1728	196	7	serious	serious	ADJ
framr-1728	196	8	positive	positive	ADJ
framr-1728	196	9	effect	effect	NOUN
framr-1728	196	10	on	on	ADP
framr-1728	196	11	the	the	DET
framr-1728	196	12	profit	profit	NOUN
framr-1728	196	13	made	make	VERB
framr-1728	196	14	by	by	ADP
framr-1728	196	15	commercial	commercial	ADJ
framr-1728	196	16	bank	bank	NOUN
framr-1728	196	17	because	because	SCONJ
framr-1728	196	18	deregulated	deregulated	ADJ
framr-1728	196	19	rate	rate	NOUN
framr-1728	196	20	of	of	ADP
framr-1728	196	21	interest	interest	NOUN
framr-1728	196	22	encourage	encourage	VERB
framr-1728	196	23	rate	rate	NOUN
framr-1728	196	24	of	of	ADP
framr-1728	196	25	interest	interest	NOUN
framr-1728	196	26	on	on	ADP
framr-1728	196	27	saving	save	VERB
framr-1728	196	28	and	and	CCONJ
framr-1728	196	29	also	also	ADV
framr-1728	196	30	lending	lending	NOUN
framr-1728	196	31	rate	rate	NOUN
framr-1728	196	32	will	will	AUX
framr-1728	196	33	be	be	AUX
framr-1728	196	34	raised	raise	VERB
framr-1728	196	35	to	to	PART
framr-1728	196	36	make	make	VERB
framr-1728	196	37	profit	profit	NOUN
framr-1728	196	38	from	from	ADP
framr-1728	196	39	the	the	DET
framr-1728	196	40	fund	fund	NOUN
framr-1728	196	41	given	give	VERB
framr-1728	196	42	out	out	ADP
framr-1728	196	43	for	for	ADP
framr-1728	196	44	loan	loan	NOUN
framr-1728	196	45	,	,	PUNCT
framr-1728	196	46	ojo	ojo	NOUN
framr-1728	196	47	(	(	PUNCT
framr-1728	196	48	1988	1988	NUM
framr-1728	196	49	)	)	PUNCT
framr-1728	196	50	shows	show	VERB
framr-1728	196	51	that	that	SCONJ
framr-1728	196	52	when	when	SCONJ
framr-1728	196	53	interest	interest	NOUN
framr-1728	196	54	rate	rate	NOUN
framr-1728	196	55	was	be	AUX
framr-1728	196	56	left	leave	VERB
framr-1728	196	57	to	to	PART
framr-1728	196	58	be	be	AUX
framr-1728	196	59	determined	determine	VERB
framr-1728	196	60	by	by	ADP
framr-1728	196	61	market	market	NOUN
framr-1728	196	62	,	,	PUNCT
framr-1728	196	63	then	then	ADV
framr-1728	196	64	the	the	DET
framr-1728	196	65	bank	bank	NOUN
framr-1728	196	66	will	will	AUX
framr-1728	196	67	charge	charge	VERB
framr-1728	196	68	high	high	ADJ
framr-1728	196	69	-	-	PUNCT
framr-1728	196	70	interest	interest	NOUN
framr-1728	196	71	rate	rate	NOUN
framr-1728	196	72	which	which	PRON
framr-1728	196	73	will	will	AUX
framr-1728	196	74	positively	positively	ADV
framr-1728	196	75	increase	increase	VERB
framr-1728	196	76	the	the	DET
framr-1728	196	77	profit	profit	NOUN
framr-1728	196	78	of	of	ADP
framr-1728	196	79	commercial	commercial	ADJ
framr-1728	196	80	bank	bank	NOUN
framr-1728	196	81	.	.	PUNCT
framr-1728	197	1	it	it	PRON
framr-1728	197	2	has	have	AUX
framr-1728	197	3	witnessed	witness	VERB
framr-1728	197	4	that	that	SCONJ
framr-1728	197	5	any	any	DET
framr-1728	197	6	attempt	attempt	NOUN
framr-1728	197	7	by	by	ADP
framr-1728	197	8	the	the	DET
framr-1728	197	9	government	government	NOUN
framr-1728	197	10	to	to	PART
framr-1728	197	11	control	control	VERB
framr-1728	197	12	the	the	DET
framr-1728	197	13	rate	rate	NOUN
framr-1728	197	14	of	of	ADP
framr-1728	197	15	interest	interest	NOUN
framr-1728	197	16	will	will	AUX
framr-1728	197	17	negatively	negatively	ADV
framr-1728	197	18	lead	lead	VERB
framr-1728	197	19	to	to	ADP
framr-1728	197	20	falling	fall	VERB
framr-1728	197	21	down	down	ADP
framr-1728	197	22	on	on	ADP
framr-1728	197	23	interest	interest	NOUN
framr-1728	197	24	which	which	PRON
framr-1728	197	25	will	will	AUX
framr-1728	197	26	affect	affect	VERB
framr-1728	197	27	the	the	DET
framr-1728	197	28	profit	profit	NOUN
framr-1728	197	29	of	of	ADP
framr-1728	197	30	the	the	DET
framr-1728	197	31	commercial	commercial	ADJ
framr-1728	197	32	bank	bank	NOUN
framr-1728	197	33	.	.	PUNCT
framr-1728	198	1	emphasis	emphasis	NOUN
framr-1728	198	2	should	should	AUX
framr-1728	198	3	be	be	AUX
framr-1728	198	4	made	make	VERB
framr-1728	198	5	on	on	ADP
framr-1728	198	6	deregulation	deregulation	NOUN
framr-1728	198	7	which	which	PRON
framr-1728	198	8	enhances	enhance	VERB
framr-1728	198	9	the	the	DET
framr-1728	198	10	business	business	NOUN
framr-1728	198	11	environment	environment	NOUN
framr-1728	198	12	to	to	PART
framr-1728	198	13	grow	grow	VERB
framr-1728	198	14	and	and	CCONJ
framr-1728	198	15	led	lead	VERB
framr-1728	198	16	to	to	ADP
framr-1728	198	17	an	an	DET
framr-1728	198	18	increase	increase	NOUN
framr-1728	198	19	in	in	ADP
framr-1728	198	20	the	the	DET
framr-1728	198	21	bank	bank	NOUN
framr-1728	198	22	profit	profit	NOUN
framr-1728	198	23	.	.	PUNCT
framr-1728	199	1	we	we	PRON
framr-1728	199	2	can	can	AUX
framr-1728	199	3	expect	expect	VERB
framr-1728	199	4	that	that	SCONJ
framr-1728	199	5	deregulation	deregulation	NOUN
framr-1728	199	6	has	have	VERB
framr-1728	199	7	a	a	DET
framr-1728	199	8	large	large	ADJ
framr-1728	199	9	impact	impact	NOUN
framr-1728	199	10	on	on	ADP
framr-1728	199	11	the	the	DET
framr-1728	199	12	real	real	ADJ
framr-1728	199	13	economy	economy	NOUN
framr-1728	199	14	only	only	ADV
framr-1728	199	15	if	if	SCONJ
framr-1728	199	16	there	there	PRON
framr-1728	199	17	are	be	VERB
framr-1728	199	18	important	important	ADJ
framr-1728	199	19	changes	change	NOUN
framr-1728	199	20	in	in	ADP
framr-1728	199	21	the	the	DET
framr-1728	199	22	structure	structure	NOUN
framr-1728	199	23	and	and	CCONJ
framr-1728	199	24	efficiency	efficiency	NOUN
framr-1728	199	25	on	on	ADP
framr-1728	199	26	the	the	DET
framr-1728	199	27	banking	banking	NOUN
framr-1728	199	28	industry	industry	NOUN
framr-1728	199	29	resulting	result	VERB
framr-1728	199	30	from	from	ADP
framr-1728	199	31	the	the	DET
framr-1728	199	32	reform	reform	NOUN
framr-1728	199	33	.although	.although	PUNCT
framr-1728	200	1	the	the	DET
framr-1728	200	2	key	key	ADJ
framr-1728	200	3	changes	change	NOUN
framr-1728	200	4	are	be	AUX
framr-1728	200	5	as	as	ADP
framr-1728	200	6	fellows	fellow	NOUN
framr-1728	200	7	;	;	PUNCT
framr-1728	200	8	relaxing	relax	VERB
framr-1728	200	9	the	the	DET
framr-1728	200	10	restriction	restriction	NOUN
framr-1728	200	11	on	on	ADP
framr-1728	200	12	the	the	DET
framr-1728	200	13	bank	bank	NOUN
framr-1728	200	14	and	and	CCONJ
framr-1728	200	15	expansion	expansion	NOUN
framr-1728	200	16	of	of	ADP
framr-1728	200	17	the	the	PRON
framr-1728	200	18	led	lead	VERB
framr-1728	200	19	to	to	ADP
framr-1728	200	20	larger	large	ADJ
framr-1728	200	21	bank	bank	NOUN
framr-1728	200	22	operation	operation	NOUN
framr-1728	200	23	across	across	ADP
framr-1728	200	24	the	the	DET
framr-1728	200	25	country	country	NOUN
framr-1728	200	26	.	.	PUNCT
framr-1728	201	1	following	follow	VERB
framr-1728	201	2	such	such	ADJ
framr-1728	201	3	idea	idea	NOUN
framr-1728	201	4	of	of	ADP
framr-1728	201	5	deregulation	deregulation	NOUN
framr-1728	201	6	,	,	PUNCT
framr-1728	201	7	we	we	PRON
framr-1728	201	8	can	can	AUX
framr-1728	201	9	see	see	VERB
framr-1728	201	10	that	that	SCONJ
framr-1728	201	11	under	under	ADP
framr-1728	201	12	the	the	DET
framr-1728	201	13	deregulation	deregulation	NOUN
framr-1728	201	14	,	,	PUNCT
framr-1728	201	15	commercial	commercial	ADJ
framr-1728	201	16	bank	bank	NOUN
framr-1728	201	17	profit	profit	NOUN
framr-1728	201	18	increasing	increase	VERB
framr-1728	201	19	more	more	ADV
framr-1728	201	20	and	and	CCONJ
framr-1728	201	21	more	more	ADV
framr-1728	201	22	but	but	CCONJ
framr-1728	201	23	within	within	ADP
framr-1728	201	24	the	the	DET
framr-1728	201	25	regulation	regulation	NOUN
framr-1728	201	26	period	period	NOUN
framr-1728	201	27	,	,	PUNCT
framr-1728	201	28	the	the	DET
framr-1728	201	29	commercial	commercial	ADJ
framr-1728	201	30	bank	bank	NOUN
framr-1728	201	31	is	be	AUX
framr-1728	201	32	earning	earn	VERB
framr-1728	201	33	a	a	DET
framr-1728	201	34	low	low	ADJ
framr-1728	201	35	profit	profit	NOUN
framr-1728	201	36	when	when	SCONJ
framr-1728	201	37	compared	compare	VERB
framr-1728	201	38	to	to	ADP
framr-1728	201	39	the	the	DET
framr-1728	201	40	deregulation	deregulation	NOUN
framr-1728	201	41	period	period	NOUN
framr-1728	201	42	of	of	ADP
framr-1728	201	43	the	the	DET
framr-1728	201	44	interest	interest	NOUN
framr-1728	201	45	rate	rate	NOUN
framr-1728	201	46	.	.	PUNCT
framr-1728	202	1	5	5	X
framr-1728	202	2	.	.	X
framr-1728	202	3	conclusion	conclusion	NOUN
framr-1728	202	4	based	base	VERB
framr-1728	202	5	on	on	ADP
framr-1728	202	6	the	the	DET
framr-1728	202	7	study	study	NOUN
framr-1728	202	8	finding	finding	NOUN
framr-1728	202	9	,	,	PUNCT
framr-1728	202	10	we	we	PRON
framr-1728	202	11	have	have	AUX
framr-1728	202	12	seen	see	VERB
framr-1728	202	13	how	how	SCONJ
framr-1728	202	14	deregulation	deregulation	NOUN
framr-1728	202	15	of	of	ADP
framr-1728	202	16	interest	interest	NOUN
framr-1728	202	17	rate	rate	NOUN
framr-1728	202	18	contributed	contribute	VERB
framr-1728	202	19	to	to	ADP
framr-1728	202	20	the	the	DET
framr-1728	202	21	commercial	commercial	ADJ
framr-1728	202	22	bank	bank	NOUN
framr-1728	202	23	profitability	profitability	NOUN
framr-1728	202	24	.	.	PUNCT
framr-1728	203	1	so	so	ADV
framr-1728	203	2	the	the	DET
framr-1728	203	3	researcher	researcher	NOUN
framr-1728	203	4	hereby	hereby	ADV
framr-1728	203	5	concludes	conclude	VERB
framr-1728	203	6	that	that	SCONJ
framr-1728	203	7	interest	interest	NOUN
framr-1728	203	8	rate	rate	NOUN
framr-1728	203	9	deregulation	deregulation	NOUN
framr-1728	203	10	has	have	AUX
framr-1728	203	11	contributed	contribute	VERB
framr-1728	203	12	reflectively	reflectively	ADV
framr-1728	203	13	to	to	ADP
framr-1728	203	14	the	the	DET
framr-1728	203	15	profitability	profitability	NOUN
framr-1728	203	16	of	of	ADP
framr-1728	203	17	the	the	DET
framr-1728	203	18	commercial	commercial	ADJ
framr-1728	203	19	bank	bank	NOUN
framr-1728	203	20	.	.	PUNCT
framr-1728	204	1	it	it	PRON
framr-1728	204	2	has	have	AUX
framr-1728	204	3	also	also	ADV
framr-1728	204	4	engendered	engender	VERB
framr-1728	204	5	competition	competition	NOUN
framr-1728	204	6	in	in	ADP
framr-1728	204	7	the	the	DET
framr-1728	204	8	midst	midst	NOUN
framr-1728	204	9	of	of	ADP
framr-1728	204	10	the	the	DET
framr-1728	204	11	bank	bank	NOUN
framr-1728	204	12	and	and	CCONJ
framr-1728	204	13	other	other	ADJ
framr-1728	204	14	institution	institution	NOUN
framr-1728	204	15	of	of	ADP
framr-1728	204	16	deposit	deposit	NOUN
framr-1728	204	17	.	.	PUNCT
framr-1728	205	1	saving	save	VERB
framr-1728	205	2	enlistment	enlistment	NOUN
framr-1728	205	3	has	have	AUX
framr-1728	205	4	been	be	AUX
framr-1728	205	5	encouraged	encourage	VERB
framr-1728	205	6	through	through	ADP
framr-1728	205	7	demand	demand	NOUN
framr-1728	205	8	and	and	CCONJ
framr-1728	205	9	supply	supply	NOUN
framr-1728	205	10	that	that	PRON
framr-1728	205	11	resolute	resolute	VERB
framr-1728	205	12	the	the	DET
framr-1728	205	13	interest	interest	NOUN
framr-1728	205	14	rate	rate	NOUN
framr-1728	205	15	.	.	PUNCT
framr-1728	206	1	perhaps	perhaps	ADV
framr-1728	206	2	,	,	PUNCT
framr-1728	206	3	it	it	PRON
framr-1728	206	4	’s	’s	AUX
framr-1728	206	5	induced	induce	VERB
framr-1728	206	6	the	the	DET
framr-1728	206	7	financial	financial	ADJ
framr-1728	206	8	institution	institution	NOUN
framr-1728	206	9	to	to	PART
framr-1728	206	10	spring	spring	VERB
framr-1728	206	11	for	for	ADP
framr-1728	206	12	idle	idle	ADJ
framr-1728	206	13	funds	fund	NOUN
framr-1728	206	14	,	,	PUNCT
framr-1728	206	15	and	and	CCONJ
framr-1728	206	16	sending	send	VERB
framr-1728	206	17	to	to	ADP
framr-1728	206	18	deficit	deficit	NOUN
framr-1728	206	19	area	area	NOUN
framr-1728	206	20	to	to	ADP
framr-1728	206	21	gingered	gingered	ADJ
framr-1728	206	22	loan	loan	NOUN
framr-1728	206	23	in	in	ADP
framr-1728	206	24	advance	advance	NOUN
framr-1728	206	25	.	.	PUNCT
framr-1728	207	1	sanity	sanity	NOUN
framr-1728	207	2	is	be	AUX
framr-1728	207	3	been	be	AUX
framr-1728	207	4	encouraging	encouraging	ADJ
framr-1728	207	5	in	in	ADP
framr-1728	207	6	some	some	DET
framr-1728	207	7	bank	bank	NOUN
framr-1728	207	8	area	area	NOUN
framr-1728	207	9	as	as	SCONJ
framr-1728	207	10	they	they	PRON
framr-1728	207	11	are	be	AUX
framr-1728	207	12	now	now	ADV
framr-1728	207	13	beat	beat	VERB
framr-1728	207	14	on	on	ADP
framr-1728	207	15	sensible	sensible	ADJ
framr-1728	207	16	used	use	VERB
framr-1728	207	17	of	of	ADP
framr-1728	207	18	this	this	DET
framr-1728	207	19	available	available	ADJ
framr-1728	207	20	funds	fund	NOUN
framr-1728	207	21	and	and	CCONJ
framr-1728	207	22	hence	hence	ADV
framr-1728	207	23	allocated	allocate	VERB
framr-1728	207	24	to	to	ADP
framr-1728	207	25	most	most	ADV
framr-1728	207	26	profitable	profitable	ADJ
framr-1728	207	27	venture	venture	NOUN
framr-1728	207	28	.	.	PUNCT
framr-1728	208	1	the	the	DET
framr-1728	208	2	research	research	NOUN
framr-1728	208	3	recommended	recommend	VERB
framr-1728	208	4	for	for	ADP
framr-1728	208	5	further	further	ADJ
framr-1728	208	6	research	research	NOUN
framr-1728	208	7	on	on	ADP
framr-1728	208	8	deregulation	deregulation	NOUN
framr-1728	208	9	on	on	ADP
framr-1728	208	10	commercial	commercial	ADJ
framr-1728	208	11	banking	banking	NOUN
framr-1728	208	12	under	under	ADP
framr-1728	208	13	time	time	NOUN
framr-1728	208	14	series	series	NOUN
framr-1728	208	15	,	,	PUNCT
framr-1728	208	16	granger	granger	PROPN
framr-1728	208	17	causality	causality	PROPN
framr-1728	208	18	and	and	CCONJ
framr-1728	208	19	financial	financial	ADJ
framr-1728	208	20	reports	report	NOUN
framr-1728	208	21	on	on	ADP
framr-1728	208	22	banking	banking	NOUN
framr-1728	208	23	sectors	sector	NOUN
framr-1728	208	24	.	.	PUNCT
framr-1728	209	1	funding	funding	NOUN
framr-1728	209	2	:	:	PUNCT
framr-1728	209	3	this	this	DET
framr-1728	209	4	study	study	NOUN
framr-1728	209	5	received	receive	VERB
framr-1728	209	6	no	no	DET
framr-1728	209	7	specific	specific	ADJ
framr-1728	209	8	financial	financial	ADJ
framr-1728	209	9	support	support	NOUN
framr-1728	209	10	.	.	PUNCT
framr-1728	210	1	competing	compete	VERB
framr-1728	210	2	interests	interest	NOUN
framr-1728	210	3	:	:	PUNCT
framr-1728	210	4	the	the	DET
framr-1728	210	5	authors	author	NOUN
framr-1728	210	6	declare	declare	VERB
framr-1728	210	7	that	that	SCONJ
framr-1728	210	8	they	they	PRON
framr-1728	210	9	have	have	VERB
framr-1728	210	10	no	no	DET
framr-1728	210	11	competing	compete	VERB
framr-1728	210	12	interests	interest	NOUN
framr-1728	210	13	.	.	PUNCT
framr-1728	211	1	contributors	contributor	NOUN
framr-1728	211	2	/	/	SYM
framr-1728	211	3	acknowledgement	acknowledgement	NOUN
framr-1728	211	4	:	:	PUNCT
framr-1728	211	5	both	both	DET
framr-1728	211	6	authors	author	NOUN
framr-1728	211	7	contributed	contribute	VERB
framr-1728	211	8	equally	equally	ADV
framr-1728	211	9	to	to	ADP
framr-1728	211	10	the	the	DET
framr-1728	211	11	conception	conception	NOUN
framr-1728	211	12	and	and	CCONJ
framr-1728	211	13	design	design	NOUN
framr-1728	211	14	of	of	ADP
framr-1728	211	15	the	the	DET
framr-1728	211	16	study	study	NOUN
framr-1728	211	17	.	.	PUNCT
framr-1728	212	1	references	reference	NOUN
framr-1728	212	2	acha	acha	PROPN
framr-1728	212	3	,	,	PUNCT
framr-1728	212	4	i.a	i.a	PROPN
framr-1728	212	5	.	.	PROPN
framr-1728	212	6	,	,	PUNCT
framr-1728	212	7	2011	2011	NUM
framr-1728	212	8	.	.	PUNCT
framr-1728	213	1	does	do	AUX
framr-1728	213	2	bank	bank	NOUN
framr-1728	213	3	financial	financial	ADJ
framr-1728	213	4	intermediation	intermediation	NOUN
framr-1728	213	5	causes	cause	VERB
framr-1728	213	6	growth	growth	NOUN
framr-1728	213	7	in	in	ADP
framr-1728	213	8	developing	develop	VERB
framr-1728	213	9	economies	economy	NOUN
framr-1728	213	10	:	:	PUNCT
framr-1728	213	11	the	the	DET
framr-1728	213	12	nigerian	nigerian	ADJ
framr-1728	213	13	experience	experience	NOUN
framr-1728	213	14	.	.	PUNCT
framr-1728	214	1	international	international	ADJ
framr-1728	214	2	business	business	NOUN
framr-1728	214	3	and	and	CCONJ
framr-1728	214	4	management	management	NOUN
framr-1728	214	5	,	,	PUNCT
framr-1728	214	6	3(1	3(1	NUM
framr-1728	214	7	):	):	PUNCT
framr-1728	214	8	156	156	NUM
framr-1728	214	9	-	-	SYM
framr-1728	214	10	161	161	NUM
framr-1728	214	11	.	.	PUNCT
framr-1728	215	1	financial	financial	ADJ
framr-1728	215	2	risk	risk	NOUN
framr-1728	215	3	and	and	CCONJ
framr-1728	215	4	management	management	NOUN
framr-1728	215	5	reviews	review	NOUN
framr-1728	215	6	,	,	PUNCT
framr-1728	215	7	2019	2019	NUM
framr-1728	215	8	,	,	PUNCT
framr-1728	215	9	5(1	5(1	NUM
framr-1728	215	10	):	):	PUNCT
framr-1728	215	11	1	1	NUM
framr-1728	215	12	-	-	SYM
framr-1728	215	13	9	9	NUM
framr-1728	215	14	9	9	NUM
framr-1728	215	15	©	©	PROPN
framr-1728	215	16	2019	2019	NUM
framr-1728	215	17	conscientia	conscientia	PROPN
framr-1728	215	18	beam	beam	PROPN
framr-1728	215	19	.	.	PUNCT
framr-1728	216	1	all	all	DET
framr-1728	216	2	rights	right	NOUN
framr-1728	216	3	reserved	reserve	VERB
framr-1728	216	4	.	.	PUNCT
framr-1728	217	1	adebiyi	adebiyi	NOUN
framr-1728	217	2	,	,	PUNCT
framr-1728	217	3	m.l	m.l	PROPN
framr-1728	217	4	.	.	PROPN
framr-1728	217	5	,	,	PUNCT
framr-1728	217	6	2002	2002	NUM
framr-1728	217	7	.	.	PUNCT
framr-1728	218	1	economic	economic	ADJ
framr-1728	218	2	growth	growth	NOUN
framr-1728	218	3	and	and	CCONJ
framr-1728	218	4	macro	macro	ADJ
framr-1728	218	5	economic	economic	ADJ
framr-1728	218	6	adjustment	adjustment	NOUN
framr-1728	218	7	in	in	ADP
framr-1728	218	8	nigeria	nigeria	PROPN
framr-1728	218	9	.	.	PUNCT
framr-1728	219	1	a	a	DET
framr-1728	219	2	research	research	NOUN
framr-1728	219	3	proposal	proposal	NOUN
framr-1728	219	4	presented	present	VERB
framr-1728	219	5	at	at	ADP
framr-1728	219	6	aerc	aerc	NOUN
framr-1728	219	7	workshop	workshop	NOUN
framr-1728	219	8	,	,	PUNCT
framr-1728	219	9	nairobi	nairobi	PROPN
framr-1728	219	10	.	.	PUNCT
framr-1728	220	1	adeniran	adeniran	PROPN
framr-1728	220	2	,	,	PUNCT
framr-1728	220	3	j.o	j.o	PROPN
framr-1728	220	4	.	.	PROPN
framr-1728	220	5	,	,	PUNCT
framr-1728	220	6	s.a	s.a	PROPN
framr-1728	220	7	.	.	PROPN
framr-1728	220	8	yusuf	yusuf	PROPN
framr-1728	220	9	and	and	CCONJ
framr-1728	220	10	o.a	o.a	PROPN
framr-1728	220	11	.	.	PROPN
framr-1728	220	12	adeyemi	adeyemi	PROPN
framr-1728	220	13	,	,	PUNCT
framr-1728	220	14	2014	2014	NUM
framr-1728	220	15	.	.	PUNCT
framr-1728	221	1	the	the	DET
framr-1728	221	2	impact	impact	NOUN
framr-1728	221	3	of	of	ADP
framr-1728	221	4	exchange	exchange	NOUN
framr-1728	221	5	rate	rate	NOUN
framr-1728	221	6	fluctuation	fluctuation	NOUN
framr-1728	221	7	on	on	ADP
framr-1728	221	8	the	the	DET
framr-1728	221	9	nigerian	nigerian	ADJ
framr-1728	221	10	economic	economic	ADJ
framr-1728	221	11	growth	growth	NOUN
framr-1728	221	12	:	:	PUNCT
framr-1728	221	13	an	an	DET
framr-1728	221	14	empirical	empirical	ADJ
framr-1728	221	15	investigation	investigation	NOUN
framr-1728	221	16	.	.	PUNCT
framr-1728	222	1	international	international	ADJ
framr-1728	222	2	journal	journal	PROPN
framr-1728	222	3	of	of	ADP
framr-1728	222	4	academic	academic	ADJ
framr-1728	222	5	research	research	NOUN
framr-1728	222	6	in	in	ADP
framr-1728	222	7	business	business	NOUN
framr-1728	222	8	and	and	CCONJ
framr-1728	222	9	social	social	ADJ
framr-1728	222	10	sciences	science	NOUN
framr-1728	222	11	,	,	PUNCT
framr-1728	222	12	4(8	4(8	NUM
framr-1728	222	13	):	):	PUNCT
framr-1728	222	14	224233.available	224233.available	ADJ
framr-1728	222	15	at	at	ADP
framr-1728	222	16	:	:	PUNCT
framr-1728	222	17	https://doi.org/10.6007/ijarbss/v4-i8/1091	https://doi.org/10.6007/ijarbss/v4-i8/1091	PROPN
framr-1728	222	18	.	.	PUNCT
framr-1728	222	19	allen	allen	PROPN
framr-1728	222	20	,	,	PUNCT
framr-1728	222	21	w.r	w.r	PROPN
framr-1728	222	22	.	.	PROPN
framr-1728	222	23	,	,	PUNCT
framr-1728	222	24	1977	1977	NUM
framr-1728	222	25	.	.	PUNCT
framr-1728	223	1	irving	irving	PROPN
framr-1728	223	2	fisher	fisher	PROPN
framr-1728	223	3	,	,	PUNCT
framr-1728	223	4	fdr	fdr	PROPN
framr-1728	223	5	,	,	PUNCT
framr-1728	223	6	and	and	CCONJ
framr-1728	223	7	the	the	DET
framr-1728	223	8	great	great	ADJ
framr-1728	223	9	depression	depression	NOUN
framr-1728	223	10	.	.	PUNCT
framr-1728	224	1	history	history	NOUN
framr-1728	224	2	of	of	ADP
framr-1728	224	3	political	political	ADJ
framr-1728	224	4	economy	economy	NOUN
framr-1728	224	5	,	,	PUNCT
framr-1728	224	6	9(4	9(4	NUM
framr-1728	224	7	):	):	PUNCT
framr-1728	224	8	560-587.available	560-587.available	PROPN
framr-1728	224	9	at	at	ADP
framr-1728	224	10	:	:	PUNCT
framr-1728	224	11	https://doi.org/10.1215/00182702-9-4-560	https://doi.org/10.1215/00182702-9-4-560	PROPN
framr-1728	224	12	.	.	PUNCT
framr-1728	224	13	amassoma	amassoma	PROPN
framr-1728	224	14	,	,	PUNCT
framr-1728	224	15	j.d	j.d	PROPN
framr-1728	224	16	.	.	PROPN
framr-1728	224	17	,	,	PUNCT
framr-1728	224	18	p.i	p.i	PROPN
framr-1728	224	19	.	.	PROPN
framr-1728	224	20	nwosa	nwosa	PROPN
framr-1728	224	21	and	and	CCONJ
framr-1728	224	22	a.f	a.f	PROPN
framr-1728	224	23	.	.	PROPN
framr-1728	224	24	ofere	ofere	ADV
framr-1728	224	25	,	,	PUNCT
framr-1728	224	26	2011	2011	NUM
framr-1728	224	27	.	.	PUNCT
framr-1728	225	1	the	the	DET
framr-1728	225	2	nexus	nexus	NOUN
framr-1728	225	3	of	of	ADP
framr-1728	225	4	interest	interest	NOUN
framr-1728	225	5	rate	rate	NOUN
framr-1728	225	6	deregulation	deregulation	NOUN
framr-1728	225	7	,	,	PUNCT
framr-1728	225	8	lending	lending	NOUN
framr-1728	225	9	rate	rate	NOUN
framr-1728	225	10	and	and	CCONJ
framr-1728	225	11	agricultural	agricultural	ADJ
framr-1728	225	12	productivity	productivity	NOUN
framr-1728	225	13	in	in	ADP
framr-1728	225	14	nigeria	nigeria	PROPN
framr-1728	225	15	.	.	PUNCT
framr-1728	226	1	current	current	ADJ
framr-1728	226	2	research	research	NOUN
framr-1728	226	3	journal	journal	NOUN
framr-1728	226	4	of	of	ADP
framr-1728	226	5	economic	economic	ADJ
framr-1728	226	6	theory	theory	NOUN
framr-1728	226	7	,	,	PUNCT
framr-1728	226	8	3(2	3(2	NUM
framr-1728	226	9	):	):	PUNCT
framr-1728	226	10	53	53	NUM
framr-1728	226	11	-	-	SYM
framr-1728	226	12	61	61	NUM
framr-1728	226	13	.	.	PUNCT
framr-1728	227	1	central	central	ADJ
framr-1728	227	2	bank	bank	PROPN
framr-1728	227	3	of	of	ADP
framr-1728	227	4	nigeria	nigeria	PROPN
framr-1728	227	5	,	,	PUNCT
framr-1728	227	6	1978	1978	NUM
framr-1728	227	7	.	.	PUNCT
framr-1728	228	1	data	data	PROPN
framr-1728	228	2	&	&	CCONJ
framr-1728	228	3	statistics	statistic	NOUN
framr-1728	228	4	.	.	PUNCT
framr-1728	229	1	available	available	ADJ
framr-1728	229	2	from	from	ADP
framr-1728	229	3	https://www.cbn.gov.ng/rates/5yearbalancesheet.asp?year=1978	https://www.cbn.gov.ng/rates/5yearbalancesheet.asp?year=1978	NOUN
framr-1728	230	1	[	[	X
framr-1728	230	2	accessed	access	VERB
framr-1728	230	3	march	march	NOUN
framr-1728	230	4	19	19	NUM
framr-1728	230	5	,	,	PUNCT
framr-1728	230	6	2019	2019	NUM
framr-1728	230	7	]	]	PUNCT
framr-1728	230	8	.	.	PUNCT
framr-1728	231	1	chodechai	chodechai	PROPN
framr-1728	231	2	,	,	PUNCT
framr-1728	231	3	s.	s.	PROPN
framr-1728	231	4	,	,	PUNCT
framr-1728	231	5	2004	2004	NUM
framr-1728	231	6	.	.	PUNCT
framr-1728	232	1	determinants	determinant	NOUN
framr-1728	232	2	of	of	ADP
framr-1728	232	3	bank	bank	NOUN
framr-1728	232	4	lending	lending	NOUN
framr-1728	232	5	in	in	ADP
framr-1728	232	6	thailand	thailand	PROPN
framr-1728	232	7	:	:	PUNCT
framr-1728	232	8	an	an	DET
framr-1728	232	9	empirical	empirical	ADJ
framr-1728	232	10	examination	examination	NOUN
framr-1728	232	11	for	for	ADP
framr-1728	232	12	the	the	DET
framr-1728	232	13	years	year	NOUN
framr-1728	232	14	1992–1996	1992–1996	NUM
framr-1728	232	15	.	.	PUNCT
framr-1728	233	1	unpublished	unpublished	ADJ
framr-1728	233	2	thesis	thesis	NOUN
framr-1728	233	3	.	.	PUNCT
framr-1728	234	1	fischer	fischer	PROPN
framr-1728	234	2	,	,	PUNCT
framr-1728	234	3	s.	s.	PROPN
framr-1728	234	4	,	,	PUNCT
framr-1728	234	5	1997	1997	NUM
framr-1728	234	6	.	.	PUNCT
framr-1728	235	1	capital	capital	NOUN
framr-1728	235	2	account	account	NOUN
framr-1728	235	3	liberalization	liberalization	NOUN
framr-1728	235	4	and	and	CCONJ
framr-1728	235	5	the	the	DET
framr-1728	235	6	role	role	NOUN
framr-1728	235	7	of	of	ADP
framr-1728	235	8	the	the	DET
framr-1728	235	9	i1\/if	i1\/if	PROPN
framr-1728	235	10	.	.	PROPN
framr-1728	235	11	in	in	ADP
framr-1728	235	12	1mf	1mf	ADJ
framr-1728	235	13	seminar	seminar	NOUN
framr-1728	235	14	asia	asia	PROPN
framr-1728	235	15	and	and	CCONJ
framr-1728	235	16	the	the	DET
framr-1728	235	17	imf	imf	PROPN
framr-1728	235	18	,	,	PUNCT
framr-1728	235	19	hong	hong	PROPN
framr-1728	235	20	kong	kong	PROPN
framr-1728	235	21	,	,	PUNCT
framr-1728	235	22	19	19	NUM
framr-1728	235	23	.	.	PUNCT
framr-1728	235	24	frankel	frankel	PROPN
framr-1728	235	25	,	,	PUNCT
framr-1728	235	26	j.a	j.a	PROPN
framr-1728	235	27	.	.	PROPN
framr-1728	235	28	,	,	PUNCT
framr-1728	235	29	1979	1979	NUM
framr-1728	235	30	.	.	PUNCT
framr-1728	236	1	on	on	ADP
framr-1728	236	2	the	the	DET
framr-1728	236	3	mark	mark	NOUN
framr-1728	236	4	:	:	PUNCT
framr-1728	236	5	a	a	DET
framr-1728	236	6	theory	theory	NOUN
framr-1728	236	7	of	of	ADP
framr-1728	236	8	floating	float	VERB
framr-1728	236	9	exchange	exchange	NOUN
framr-1728	236	10	rates	rate	NOUN
framr-1728	236	11	based	base	VERB
framr-1728	236	12	on	on	ADP
framr-1728	236	13	real	real	ADJ
framr-1728	236	14	interest	interest	NOUN
framr-1728	236	15	differentials	differential	NOUN
framr-1728	236	16	.	.	PUNCT
framr-1728	237	1	the	the	DET
framr-1728	237	2	american	american	PROPN
framr-1728	237	3	economic	economic	PROPN
framr-1728	237	4	review	review	PROPN
framr-1728	237	5	,	,	PUNCT
framr-1728	237	6	69(4	69(4	NOUN
framr-1728	237	7	):	):	PUNCT
framr-1728	237	8	610	610	NUM
framr-1728	237	9	-	-	SYM
framr-1728	237	10	622	622	NUM
framr-1728	237	11	.	.	PUNCT
framr-1728	238	1	fung	fung	PROPN
framr-1728	238	2	,	,	PUNCT
framr-1728	238	3	w.	w.	PROPN
framr-1728	238	4	and	and	CCONJ
framr-1728	238	5	d.a	d.a	PROPN
framr-1728	238	6	.	.	PROPN
framr-1728	238	7	hsieh	hsieh	PROPN
framr-1728	238	8	,	,	PUNCT
framr-1728	238	9	2000	2000	NUM
framr-1728	238	10	.	.	PUNCT
framr-1728	239	1	measuring	measure	VERB
framr-1728	239	2	the	the	DET
framr-1728	239	3	market	market	NOUN
framr-1728	239	4	impact	impact	NOUN
framr-1728	239	5	of	of	ADP
framr-1728	239	6	hedge	hedge	NOUN
framr-1728	239	7	funds	fund	NOUN
framr-1728	239	8	.	.	PUNCT
framr-1728	240	1	journal	journal	NOUN
framr-1728	240	2	of	of	ADP
framr-1728	240	3	empirical	empirical	ADJ
framr-1728	240	4	finance	finance	NOUN
framr-1728	240	5	,	,	PUNCT
framr-1728	240	6	7(1	7(1	NUM
framr-1728	240	7	):	):	PUNCT
framr-1728	240	8	1-36.available	1-36.available	NUM
framr-1728	240	9	at	at	ADP
framr-1728	240	10	:	:	PUNCT
framr-1728	240	11	https://doi.org/10.1016/s0927-5398(00)00005-0	https://doi.org/10.1016/s0927-5398(00)00005-0	PROPN
framr-1728	240	12	.	.	PUNCT
framr-1728	241	1	gan	gan	PROPN
framr-1728	241	2	,	,	PUNCT
framr-1728	241	3	j.	j.	PROPN
framr-1728	241	4	,	,	PUNCT
framr-1728	241	5	2007	2007	NUM
framr-1728	241	6	.	.	PUNCT
framr-1728	242	1	the	the	DET
framr-1728	242	2	real	real	ADJ
framr-1728	242	3	effects	effect	NOUN
framr-1728	242	4	of	of	ADP
framr-1728	242	5	asset	asset	NOUN
framr-1728	242	6	market	market	NOUN
framr-1728	242	7	bubbles	bubble	NOUN
framr-1728	242	8	:	:	PUNCT
framr-1728	242	9	loan	loan	NOUN
framr-1728	242	10	-	-	PUNCT
framr-1728	242	11	and	and	CCONJ
framr-1728	242	12	firm	firm	ADJ
framr-1728	242	13	-	-	PUNCT
framr-1728	242	14	level	level	NOUN
framr-1728	242	15	evidence	evidence	NOUN
framr-1728	242	16	of	of	ADP
framr-1728	242	17	a	a	DET
framr-1728	242	18	lending	lending	NOUN
framr-1728	242	19	channel	channel	NOUN
framr-1728	242	20	.	.	PUNCT
framr-1728	243	1	the	the	DET
framr-1728	243	2	review	review	NOUN
framr-1728	243	3	of	of	ADP
framr-1728	243	4	financial	financial	ADJ
framr-1728	243	5	studies	study	NOUN
framr-1728	243	6	,	,	PUNCT
framr-1728	243	7	20(6	20(6	NOUN
framr-1728	243	8	):	):	PUNCT
framr-1728	243	9	1941-1973.available	1941-1973.available	ADJ
framr-1728	243	10	at	at	ADP
framr-1728	243	11	:	:	PUNCT
framr-1728	243	12	https://doi.org/10.1093/rfs/hhm045	https://doi.org/10.1093/rfs/hhm045	PROPN
framr-1728	243	13	.	.	PUNCT
framr-1728	244	1	hien	hien	PROPN
framr-1728	244	2	,	,	PUNCT
framr-1728	244	3	m.t	m.t	PROPN
framr-1728	244	4	.	.	PROPN
framr-1728	244	5	and	and	CCONJ
framr-1728	244	6	n.	n.	PROPN
framr-1728	244	7	hanh	hanh	PROPN
framr-1728	244	8	,	,	PUNCT
framr-1728	244	9	2013	2013	NUM
framr-1728	244	10	.	.	PUNCT
framr-1728	245	1	enhancing	enhance	VERB
framr-1728	245	2	capacity	capacity	NOUN
framr-1728	245	3	of	of	ADP
framr-1728	245	4	vietnam	vietnam	PROPN
framr-1728	245	5	's	's	PART
framr-1728	245	6	financial	financial	ADJ
framr-1728	245	7	system	system	NOUN
framr-1728	245	8	to	to	PART
framr-1728	245	9	fulfil	fulfil	VERB
framr-1728	245	10	its	its	PRON
framr-1728	245	11	commitments	commitment	NOUN
framr-1728	245	12	on	on	ADP
framr-1728	245	13	financial	financial	ADJ
framr-1728	245	14	liberalization	liberalization	NOUN
framr-1728	245	15	under	under	ADP
framr-1728	245	16	gats	gat	NOUN
framr-1728	245	17	.	.	PUNCT
framr-1728	246	1	seco	seco	PROPN
framr-1728	246	2	/	/	SYM
framr-1728	246	3	wti	wti	PROPN
framr-1728	246	4	academic	academic	PROPN
framr-1728	246	5	cooperation	cooperation	NOUN
framr-1728	246	6	project	project	NOUN
framr-1728	246	7	working	working	NOUN
framr-1728	246	8	paper	paper	NOUN
framr-1728	246	9	series	series	NOUN
framr-1728	246	10	,	,	PUNCT
framr-1728	246	11	no	no	INTJ
framr-1728	246	12	.	.	NOUN
framr-1728	247	1	3	3	X
framr-1728	247	2	.	.	NOUN
framr-1728	247	3	ibimodo	ibimodo	NOUN
framr-1728	247	4	,	,	PUNCT
framr-1728	247	5	t.	t.	PROPN
framr-1728	247	6	,	,	PUNCT
framr-1728	247	7	2005	2005	NUM
framr-1728	247	8	.	.	PUNCT
framr-1728	248	1	the	the	DET
framr-1728	248	2	financial	financial	ADJ
framr-1728	248	3	regression	regression	NOUN
framr-1728	248	4	paradigm	paradigm	NOUN
framr-1728	248	5	:	:	PUNCT
framr-1728	248	6	a	a	DET
framr-1728	248	7	survey	survey	NOUN
framr-1728	248	8	of	of	ADP
framr-1728	248	9	empirical	empirical	ADJ
framr-1728	248	10	research	research	NOUN
framr-1728	248	11	.	.	PUNCT
framr-1728	249	1	research	research	NOUN
framr-1728	249	2	journal	journal	PROPN
framr-1728	249	3	of	of	ADP
framr-1728	249	4	finance	finance	NOUN
framr-1728	249	5	and	and	CCONJ
framr-1728	249	6	accounting	accounting	NOUN
framr-1728	249	7	,	,	PUNCT
framr-1728	249	8	3(10	3(10	NUM
framr-1728	249	9	):	):	PUNCT
framr-1728	249	10	130	130	NUM
framr-1728	249	11	-	-	SYM
framr-1728	249	12	136	136	NUM
framr-1728	249	13	.	.	PUNCT
framr-1728	250	1	jhingan	jhingan	PROPN
framr-1728	250	2	,	,	PUNCT
framr-1728	250	3	m.l	m.l	PROPN
framr-1728	250	4	.	.	PROPN
framr-1728	250	5	,	,	PUNCT
framr-1728	250	6	2003	2003	NUM
framr-1728	250	7	.	.	PUNCT
framr-1728	251	1	monetary	monetary	ADJ
framr-1728	251	2	economics	economic	NOUN
framr-1728	251	3	.	.	PUNCT
framr-1728	252	1	6th	6th	ADJ
framr-1728	252	2	edn	edn	PROPN
framr-1728	252	3	.	.	PUNCT
framr-1728	252	4	,	,	PUNCT
framr-1728	252	5	india	india	PROPN
framr-1728	252	6	:	:	PUNCT
framr-1728	252	7	publisher	publisher	NOUN
framr-1728	252	8	vrinda	vrinda	PROPN
framr-1728	252	9	publication	publication	NOUN
framr-1728	252	10	(	(	PUNCT
framr-1728	252	11	p	p	PROPN
framr-1728	252	12	)	)	PUNCT
framr-1728	252	13	ltd	ltd	PROPN
framr-1728	252	14	.	.	PROPN
framr-1728	252	15	keynes	keynes	PROPN
framr-1728	252	16	,	,	PUNCT
framr-1728	252	17	j.m	j.m	PROPN
framr-1728	252	18	.	.	PROPN
framr-1728	252	19	,	,	PUNCT
framr-1728	252	20	1923	1923	NUM
framr-1728	252	21	.	.	PUNCT
framr-1728	253	1	the	the	DET
framr-1728	253	2	economic	economic	ADJ
framr-1728	253	3	consequences	consequence	NOUN
framr-1728	253	4	of	of	ADP
framr-1728	253	5	the	the	DET
framr-1728	253	6	peace	peace	NOUN
framr-1728	253	7	.	.	PUNCT
framr-1728	254	1	new	new	PROPN
framr-1728	254	2	york	york	PROPN
framr-1728	254	3	:	:	PUNCT
framr-1728	255	1	routledge	routledge	PROPN
framr-1728	255	2	.	.	PROPN
framr-1728	255	3	nwankwo	nwankwo	PROPN
framr-1728	255	4	,	,	PUNCT
framr-1728	255	5	g.o	g.o	PROPN
framr-1728	255	6	.	.	PROPN
framr-1728	255	7	,	,	PUNCT
framr-1728	255	8	1989	1989	NUM
framr-1728	255	9	.	.	PUNCT
framr-1728	256	1	nigerian	nigerian	ADJ
framr-1728	256	2	financial	financial	ADJ
framr-1728	256	3	system	system	NOUN
framr-1728	256	4	.	.	PUNCT
framr-1728	257	1	london	london	PROPN
framr-1728	257	2	:	:	PUNCT
framr-1728	257	3	macmillan	macmillan	PROPN
framr-1728	257	4	publishers	publishers	PROPN
framr-1728	257	5	ltd	ltd	PROPN
framr-1728	257	6	.	.	PROPN
framr-1728	257	7	ojo	ojo	PROPN
framr-1728	257	8	,	,	PUNCT
framr-1728	257	9	m.a	m.a	PROPN
framr-1728	257	10	.	.	PROPN
framr-1728	257	11	,	,	PUNCT
framr-1728	257	12	1988	1988	NUM
framr-1728	257	13	.	.	PUNCT
framr-1728	258	1	the	the	DET
framr-1728	258	2	contextual	contextual	ADJ
framr-1728	258	3	significance	significance	NOUN
framr-1728	258	4	of	of	ADP
framr-1728	258	5	the	the	DET
framr-1728	258	6	charismatic	charismatic	ADJ
framr-1728	258	7	movements	movement	NOUN
framr-1728	258	8	in	in	ADP
framr-1728	258	9	independent	independent	PROPN
framr-1728	258	10	nigeria	nigeria	PROPN
framr-1728	258	11	.	.	PUNCT
framr-1728	259	1	africa	africa	PROPN
framr-1728	259	2	,	,	PUNCT
framr-1728	259	3	58(2	58(2	NUM
framr-1728	259	4	):	):	PUNCT
framr-1728	259	5	175192.available	175192.available	ADJ
framr-1728	259	6	at	at	ADP
framr-1728	259	7	:	:	PUNCT
framr-1728	259	8	https://doi.org/10.2307/1160660	https://doi.org/10.2307/1160660	NOUN
framr-1728	259	9	.	.	PUNCT
framr-1728	260	1	therrell	therrell	PROPN
framr-1728	260	2	,	,	PUNCT
framr-1728	260	3	j.b.l	j.b.l	PROPN
framr-1728	260	4	.	.	PROPN
framr-1728	260	5	,	,	PUNCT
framr-1728	260	6	w.h	w.h	PROPN
framr-1728	260	7	.	.	PROPN
framr-1728	260	8	hannon	hannon	PROPN
framr-1728	260	9	,	,	PUNCT
framr-1728	260	10	g.	g.	PROPN
framr-1728	260	11	hoffman	hoffman	PROPN
framr-1728	260	12	,	,	PUNCT
framr-1728	260	13	j.	j.	PROPN
framr-1728	260	14	ojodu	ojodu	PROPN
framr-1728	260	15	and	and	CCONJ
framr-1728	260	16	p.m.	p.m.	NOUN
framr-1728	260	17	farrell	farrell	PROPN
framr-1728	260	18	,	,	PUNCT
framr-1728	260	19	2012	2012	NUM
framr-1728	260	20	.	.	PUNCT
framr-1728	261	1	immunoreactive	immunoreactive	ADJ
framr-1728	261	2	trypsinogen	trypsinogen	NOUN
framr-1728	261	3	(	(	PUNCT
framr-1728	261	4	irt	irt	PROPN
framr-1728	261	5	)	)	PUNCT
framr-1728	261	6	as	as	ADP
framr-1728	261	7	a	a	DET
framr-1728	261	8	biomarker	biomarker	NOUN
framr-1728	261	9	for	for	ADP
framr-1728	261	10	cystic	cystic	ADJ
framr-1728	261	11	fibrosis	fibrosis	NOUN
framr-1728	261	12	:	:	PUNCT
framr-1728	261	13	challenges	challenge	NOUN
framr-1728	261	14	in	in	ADP
framr-1728	261	15	newborn	newborn	ADJ
framr-1728	261	16	dried	dry	VERB
framr-1728	261	17	blood	blood	NOUN
framr-1728	261	18	spot	spot	NOUN
framr-1728	261	19	screening	screening	NOUN
framr-1728	261	20	.	.	PUNCT
framr-1728	262	1	molecular	molecular	ADJ
framr-1728	262	2	genetics	genetic	NOUN
framr-1728	262	3	and	and	CCONJ
framr-1728	262	4	metabolism	metabolism	NOUN
framr-1728	262	5	,	,	PUNCT
framr-1728	262	6	106(1	106(1	NUM
framr-1728	262	7	):	):	PUNCT
framr-1728	262	8	16.available	16.available	NUM
framr-1728	262	9	at	at	ADP
framr-1728	262	10	:	:	PUNCT
framr-1728	262	11	https://doi.org/10.1016/j.ymgme.2012.02.013	https://doi.org/10.1016/j.ymgme.2012.02.013	PROPN
framr-1728	262	12	.	.	PROPN
framr-1728	262	13	vaghefi	vaghefi	PROPN
framr-1728	262	14	,	,	PUNCT
framr-1728	262	15	m.r	m.r	PROPN
framr-1728	262	16	.	.	PROPN
framr-1728	262	17	,	,	PUNCT
framr-1728	262	18	s.k	s.k	PROPN
framr-1728	262	19	.	.	PROPN
framr-1728	262	20	paulson	paulson	PROPN
framr-1728	262	21	and	and	CCONJ
framr-1728	262	22	w.h	w.h	PROPN
framr-1728	262	23	.	.	PROPN
framr-1728	262	24	tomlinson	tomlinson	PROPN
framr-1728	262	25	,	,	PUNCT
framr-1728	262	26	1991	1991	NUM
framr-1728	262	27	.	.	PUNCT
framr-1728	263	1	international	international	ADJ
framr-1728	263	2	business	business	NOUN
framr-1728	263	3	:	:	PUNCT
framr-1728	263	4	theory	theory	NOUN
framr-1728	263	5	and	and	CCONJ
framr-1728	263	6	practice	practice	NOUN
framr-1728	263	7	.	.	PUNCT
framr-1728	264	1	new	new	PROPN
framr-1728	264	2	york	york	PROPN
framr-1728	264	3	:	:	PUNCT
framr-1728	265	1	taylor	taylor	PROPN
framr-1728	265	2	&	&	CCONJ
framr-1728	265	3	francis	francis	PROPN
framr-1728	265	4	.	.	PROPN
framr-1728	265	5	wurgler	wurgler	PROPN
framr-1728	265	6	,	,	PUNCT
framr-1728	265	7	j.	j.	PROPN
framr-1728	265	8	,	,	PUNCT
framr-1728	265	9	2000	2000	NUM
framr-1728	265	10	.	.	PUNCT
framr-1728	266	1	financial	financial	ADJ
framr-1728	266	2	markets	market	NOUN
framr-1728	266	3	and	and	CCONJ
framr-1728	266	4	the	the	DET
framr-1728	266	5	allocation	allocation	NOUN
framr-1728	266	6	of	of	ADP
framr-1728	266	7	capital	capital	NOUN
framr-1728	266	8	.	.	PUNCT
framr-1728	267	1	journal	journal	PROPN
framr-1728	267	2	of	of	ADP
framr-1728	267	3	financial	financial	ADJ
framr-1728	267	4	economics	economic	NOUN
framr-1728	267	5	,	,	PUNCT
framr-1728	267	6	58(1	58(1	PROPN
framr-1728	267	7	-	-	SYM
framr-1728	267	8	2	2	NUM
framr-1728	267	9	):	):	PUNCT
framr-1728	267	10	187-214.available	187-214.available	NUM
framr-1728	267	11	at	at	ADP
framr-1728	267	12	:	:	PUNCT
framr-1728	267	13	https://doi.org/10.1016/s0304-405x(00)00070-2	https://doi.org/10.1016/s0304-405x(00)00070-2	PROPN
framr-1728	267	14	.	.	NOUN
framr-1728	267	15	views	view	NOUN
framr-1728	267	16	and	and	CCONJ
framr-1728	267	17	opinions	opinion	NOUN
framr-1728	267	18	expressed	express	VERB
framr-1728	267	19	in	in	ADP
framr-1728	267	20	this	this	DET
framr-1728	267	21	article	article	NOUN
framr-1728	267	22	are	be	AUX
framr-1728	267	23	the	the	DET
framr-1728	267	24	views	view	NOUN
framr-1728	267	25	and	and	CCONJ
framr-1728	267	26	opinions	opinion	NOUN
framr-1728	267	27	of	of	ADP
framr-1728	267	28	the	the	DET
framr-1728	267	29	author(s	author(s	NOUN
framr-1728	267	30	)	)	PUNCT
framr-1728	267	31	,	,	PUNCT
framr-1728	267	32	financial	financial	ADJ
framr-1728	267	33	risk	risk	NOUN
framr-1728	267	34	and	and	CCONJ
framr-1728	267	35	management	management	NOUN
framr-1728	267	36	reviews	review	NOUN
framr-1728	267	37	shall	shall	AUX
framr-1728	267	38	not	not	PART
framr-1728	267	39	be	be	AUX
framr-1728	267	40	responsible	responsible	ADJ
framr-1728	267	41	or	or	CCONJ
framr-1728	267	42	answerable	answerable	ADJ
framr-1728	267	43	for	for	ADP
framr-1728	267	44	any	any	DET
framr-1728	267	45	loss	loss	NOUN
framr-1728	267	46	,	,	PUNCT
framr-1728	267	47	damage	damage	NOUN
framr-1728	267	48	or	or	CCONJ
framr-1728	267	49	liability	liability	NOUN
framr-1728	267	50	etc	etc	X
framr-1728	267	51	.	.	X
framr-1728	268	1	caused	cause	VERB
framr-1728	268	2	in	in	ADP
framr-1728	268	3	relation	relation	NOUN
framr-1728	268	4	to	to	PART
framr-1728	268	5	/	/	PUNCT
framr-1728	268	6	arising	arise	VERB
framr-1728	268	7	out	out	ADP
framr-1728	268	8	of	of	ADP
framr-1728	268	9	the	the	DET
framr-1728	268	10	use	use	NOUN
framr-1728	268	11	of	of	ADP
framr-1728	268	12	the	the	DET
framr-1728	268	13	content	content	NOUN
framr-1728	268	14	.	.	PUNCT
framr-1728	269	1	http://www.cbn.gov.ng/rates/5yearbalancesheet.asp?year=1978	http://www.cbn.gov.ng/rates/5yearbalancesheet.asp?year=1978	NOUN