id	sid	tid	token	lemma	pos
framr-1745	1	1	50	50	NUM
framr-1745	1	2	©	©	PROPN
framr-1745	1	3	2021	2021	NUM
framr-1745	1	4	conscientia	conscientia	PROPN
framr-1745	1	5	beam	beam	PROPN
framr-1745	1	6	.	.	PUNCT
framr-1745	2	1	all	all	DET
framr-1745	2	2	rights	right	NOUN
framr-1745	2	3	reserved	reserve	VERB
framr-1745	2	4	.	.	PUNCT
framr-1745	3	1	likelihood	likelihood	NOUN
framr-1745	3	2	of	of	ADP
framr-1745	3	3	insurance	insurance	NOUN
framr-1745	3	4	coverage	coverage	NOUN
framr-1745	3	5	on	on	ADP
framr-1745	3	6	damages	damage	NOUN
framr-1745	3	7	due	due	ADP
framr-1745	3	8	to	to	ADP
framr-1745	3	9	level	level	NOUN
framr-1745	3	10	of	of	ADP
framr-1745	3	11	insecurity	insecurity	NOUN
framr-1745	3	12	in	in	ADP
framr-1745	3	13	nigeria	nigeria	PROPN
framr-1745	3	14	:	:	PUNCT
framr-1745	3	15	logistic	logistic	ADJ
framr-1745	3	16	modeling	modeling	NOUN
framr-1745	3	17	approach	approach	NOUN
framr-1745	3	18	orumie	orumie	VERB
framr-1745	3	19	ukamaka	ukamaka	PROPN
framr-1745	3	20	cynthia1	cynthia1	PROPN
framr-1745	3	21	desmond	desmond	PROPN
framr-1745	3	22	chekwube	chekwube	PROPN
framr-1745	3	23	bartholomew2	bartholomew2	PROPN
framr-1745	3	24	+	+	CCONJ
framr-1745	3	25	chukwudi	chukwudi	ADJ
framr-1745	3	26	paul	paul	PROPN
framr-1745	3	27	obite3	obite3	PROPN
framr-1745	3	28	kiwu	kiwu	PROPN
framr-1745	3	29	chizoba	chizoba	PROPN
framr-1745	3	30	lawrence4	lawrence4	PROPN
framr-1745	3	31	1department	1department	NUM
framr-1745	3	32	of	of	ADP
framr-1745	3	33	mathematics	mathematic	NOUN
framr-1745	3	34	and	and	CCONJ
framr-1745	3	35	statistics	statistic	NOUN
framr-1745	3	36	,	,	PUNCT
framr-1745	3	37	university	university	NOUN
framr-1745	3	38	of	of	ADP
framr-1745	3	39	port	port	PROPN
framr-1745	3	40	harcourt	harcourt	PROPN
framr-1745	3	41	,	,	PUNCT
framr-1745	3	42	port	port	NOUN
framr-1745	3	43	harcourt	harcourt	PROPN
framr-1745	3	44	,	,	PUNCT
framr-1745	3	45	rivers	river	NOUN
framr-1745	3	46	state	state	PROPN
framr-1745	3	47	,	,	PUNCT
framr-1745	3	48	nigeria	nigeria	PROPN
framr-1745	3	49	.	.	PUNCT
framr-1745	4	1	1email	1email	NUM
framr-1745	4	2	:	:	PUNCT
framr-1745	5	1	amakaorumie@yahoo.com	amakaorumie@yahoo.com	X
framr-1745	6	1	tel	tel	NOUN
framr-1745	6	2	:	:	PUNCT
framr-1745	6	3	+2348064099683	+2348064099683	PROPN
framr-1745	6	4	2,3,4department	2,3,4department	NUM
framr-1745	6	5	of	of	ADP
framr-1745	6	6	statistics	statistic	NOUN
framr-1745	6	7	,	,	PUNCT
framr-1745	6	8	federal	federal	ADJ
framr-1745	6	9	university	university	PROPN
framr-1745	6	10	of	of	ADP
framr-1745	6	11	technology	technology	PROPN
framr-1745	6	12	owerri	owerri	PROPN
framr-1745	6	13	,	,	PUNCT
framr-1745	6	14	owerri	owerri	PROPN
framr-1745	6	15	,	,	PUNCT
framr-1745	6	16	nigeria	nigeria	PROPN
framr-1745	6	17	.	.	PUNCT
framr-1745	7	1	2email	2email	NUM
framr-1745	7	2	:	:	PUNCT
framr-1745	7	3	desmond.bartholomew@futo.edu.ng	desmond.bartholomew@futo.edu.ng	ADJ
framr-1745	7	4	tel	tel	PROPN
framr-1745	7	5	:	:	PUNCT
framr-1745	7	6	+2347033811698	+2347033811698	NOUN
framr-1745	8	1	3email	3email	NUM
framr-1745	8	2	:	:	PUNCT
framr-1745	8	3	chukwudi.obite@futo.edu.ng	chukwudi.obite@futo.edu.ng	NOUN
framr-1745	8	4	tel	tel	NOUN
framr-1745	8	5	:	:	PUNCT
framr-1745	8	6	+2347031143410	+2347031143410	NUM
framr-1745	8	7	4email	4email	NUM
framr-1745	8	8	:	:	PUNCT
framr-1745	8	9	lawrence.kiwu@futo.edu.ng	lawrence.kiwu@futo.edu.ng	ADJ
framr-1745	8	10	tel	tel	ADP
framr-1745	8	11	:	:	PUNCT
framr-1745	8	12	+2348061580923	+2348061580923	NUM
framr-1745	8	13	(	(	PUNCT
framr-1745	8	14	+	+	NUM
framr-1745	8	15	corresponding	correspond	VERB
framr-1745	8	16	author	author	NOUN
framr-1745	8	17	)	)	PUNCT
framr-1745	8	18	abstract	abstract	ADJ
framr-1745	8	19	article	article	NOUN
framr-1745	8	20	history	history	NOUN
framr-1745	8	21	received	receive	VERB
framr-1745	8	22	:	:	PUNCT
framr-1745	8	23	12	12	NUM
framr-1745	8	24	july	july	PROPN
framr-1745	8	25	2021	2021	NUM
framr-1745	8	26	revised	revise	VERB
framr-1745	8	27	:	:	PUNCT
framr-1745	8	28	16	16	NUM
framr-1745	8	29	august	august	PROPN
framr-1745	8	30	2021	2021	NUM
framr-1745	8	31	accepted	accept	VERB
framr-1745	8	32	:	:	PUNCT
framr-1745	8	33	3	3	NUM
framr-1745	8	34	september	september	PROPN
framr-1745	8	35	2021	2021	NUM
framr-1745	8	36	published	publish	VERB
framr-1745	8	37	:	:	PUNCT
framr-1745	8	38	23	23	NUM
framr-1745	8	39	september	september	PROPN
framr-1745	8	40	2021	2021	NUM
framr-1745	8	41	keywords	keyword	VERB
framr-1745	8	42	insurance	insurance	NOUN
framr-1745	8	43	risk	risk	NOUN
framr-1745	8	44	management	management	NOUN
framr-1745	8	45	binary	binary	NOUN
framr-1745	8	46	logistic	logistic	PROPN
framr-1745	8	47	regression	regression	NOUN
framr-1745	8	48	model	model	NOUN
framr-1745	8	49	likelihood	likelihood	PROPN
framr-1745	8	50	test	test	NOUN
framr-1745	8	51	employment	employment	NOUN
framr-1745	8	52	education	education	NOUN
framr-1745	8	53	.	.	PUNCT
framr-1745	9	1	jel	jel	PROPN
framr-1745	9	2	classification	classification	PROPN
framr-1745	9	3	:	:	PUNCT
framr-1745	9	4	c10	c10	PROPN
framr-1745	9	5	,	,	PUNCT
framr-1745	9	6	c15	c15	PROPN
framr-1745	9	7	.	.	PUNCT
framr-1745	10	1	insurance	insurance	NOUN
framr-1745	10	2	serves	serve	VERB
framr-1745	10	3	as	as	ADP
framr-1745	10	4	a	a	DET
framr-1745	10	5	protection	protection	NOUN
framr-1745	10	6	against	against	ADP
framr-1745	10	7	the	the	DET
framr-1745	10	8	unexpected	unexpected	ADJ
framr-1745	10	9	and	and	CCONJ
framr-1745	10	10	it	it	PRON
framr-1745	10	11	is	be	AUX
framr-1745	10	12	one	one	NUM
framr-1745	10	13	of	of	ADP
framr-1745	10	14	the	the	DET
framr-1745	10	15	most	most	ADV
framr-1745	10	16	effective	effective	ADJ
framr-1745	10	17	risk	risk	NOUN
framr-1745	10	18	management	management	NOUN
framr-1745	10	19	tools	tool	NOUN
framr-1745	10	20	that	that	PRON
framr-1745	10	21	protect	protect	VERB
framr-1745	10	22	individuals	individual	NOUN
framr-1745	10	23	from	from	ADP
framr-1745	10	24	being	be	AUX
framr-1745	10	25	bankrupt	bankrupt	ADJ
framr-1745	10	26	due	due	ADJ
framr-1745	10	27	to	to	ADP
framr-1745	10	28	various	various	ADJ
framr-1745	10	29	contingencies	contingency	NOUN
framr-1745	10	30	.	.	PUNCT
framr-1745	11	1	the	the	DET
framr-1745	11	2	binary	binary	PROPN
framr-1745	11	3	logistic	logistic	PROPN
framr-1745	11	4	regression	regression	NOUN
framr-1745	11	5	model	model	NOUN
framr-1745	11	6	approach	approach	NOUN
framr-1745	11	7	was	be	AUX
framr-1745	11	8	used	use	VERB
framr-1745	11	9	to	to	PART
framr-1745	11	10	model	model	VERB
framr-1745	11	11	the	the	DET
framr-1745	11	12	described	describe	VERB
framr-1745	11	13	dataset	dataset	NOUN
framr-1745	11	14	;	;	PUNCT
framr-1745	11	15	the	the	DET
framr-1745	11	16	model	model	NOUN
framr-1745	11	17	so	so	ADV
framr-1745	11	18	obtained	obtain	VERB
framr-1745	11	19	was	be	AUX
framr-1745	11	20	statistically	statistically	ADV
framr-1745	11	21	significant	significant	ADJ
framr-1745	11	22	.	.	PUNCT
framr-1745	12	1	all	all	DET
framr-1745	12	2	the	the	DET
framr-1745	12	3	levels	level	NOUN
framr-1745	12	4	of	of	ADP
framr-1745	12	5	education	education	NOUN
framr-1745	12	6	were	be	AUX
framr-1745	12	7	statistically	statistically	ADV
framr-1745	12	8	significant	significant	ADJ
framr-1745	12	9	in	in	ADP
framr-1745	12	10	predicting	predict	VERB
framr-1745	12	11	the	the	DET
framr-1745	12	12	odds	odd	NOUN
framr-1745	12	13	of	of	ADP
framr-1745	12	14	having	have	VERB
framr-1745	12	15	insurance	insurance	NOUN
framr-1745	12	16	cover	cover	NOUN
framr-1745	12	17	except	except	SCONJ
framr-1745	12	18	for	for	ADP
framr-1745	12	19	primary	primary	ADJ
framr-1745	12	20	education	education	NOUN
framr-1745	12	21	level	level	NOUN
framr-1745	12	22	.	.	PUNCT
framr-1745	13	1	also	also	ADV
framr-1745	13	2	,	,	PUNCT
framr-1745	13	3	employment	employment	NOUN
framr-1745	13	4	status	status	NOUN
framr-1745	13	5	and	and	CCONJ
framr-1745	13	6	age	age	NOUN
framr-1745	13	7	were	be	AUX
framr-1745	13	8	statistically	statistically	ADV
framr-1745	13	9	significant	significant	ADJ
framr-1745	13	10	in	in	ADP
framr-1745	13	11	predicting	predict	VERB
framr-1745	13	12	the	the	DET
framr-1745	13	13	likelihood	likelihood	NOUN
framr-1745	13	14	for	for	ADP
framr-1745	13	15	insurance	insurance	NOUN
framr-1745	13	16	cover	cover	NOUN
framr-1745	13	17	in	in	ADP
framr-1745	13	18	nigeria	nigeria	PROPN
framr-1745	13	19	.	.	PUNCT
framr-1745	14	1	the	the	DET
framr-1745	14	2	results	result	NOUN
framr-1745	14	3	showed	show	VERB
framr-1745	14	4	that	that	SCONJ
framr-1745	14	5	individuals	individual	NOUN
framr-1745	14	6	who	who	PRON
framr-1745	14	7	move	move	VERB
framr-1745	14	8	from	from	ADP
framr-1745	14	9	no	no	DET
framr-1745	14	10	formal	formal	ADJ
framr-1745	14	11	education	education	NOUN
framr-1745	14	12	to	to	PART
framr-1745	14	13	obtain	obtain	VERB
framr-1745	14	14	higher	high	ADJ
framr-1745	14	15	education	education	NOUN
framr-1745	14	16	level	level	NOUN
framr-1745	14	17	are	be	AUX
framr-1745	14	18	21.66	21.66	NUM
framr-1745	14	19	times	time	NOUN
framr-1745	14	20	more	more	ADV
framr-1745	14	21	likely	likely	ADJ
framr-1745	14	22	to	to	PART
framr-1745	14	23	obtain	obtain	VERB
framr-1745	14	24	insurance	insurance	NOUN
framr-1745	14	25	cover	cover	NOUN
framr-1745	14	26	and	and	CCONJ
framr-1745	14	27	individuals	individual	NOUN
framr-1745	14	28	who	who	PRON
framr-1745	14	29	move	move	VERB
framr-1745	14	30	from	from	ADP
framr-1745	14	31	no	no	DET
framr-1745	14	32	formal	formal	ADJ
framr-1745	14	33	education	education	NOUN
framr-1745	14	34	to	to	PART
framr-1745	14	35	obtain	obtain	VERB
framr-1745	14	36	secondary	secondary	ADJ
framr-1745	14	37	education	education	NOUN
framr-1745	14	38	level	level	NOUN
framr-1745	14	39	are	be	AUX
framr-1745	14	40	2.63	2.63	NUM
framr-1745	14	41	times	time	NOUN
framr-1745	14	42	more	more	ADV
framr-1745	14	43	likely	likely	ADJ
framr-1745	14	44	to	to	PART
framr-1745	14	45	obtain	obtain	VERB
framr-1745	14	46	insurance	insurance	NOUN
framr-1745	14	47	cover	cover	NOUN
framr-1745	14	48	.	.	PUNCT
framr-1745	15	1	the	the	DET
framr-1745	15	2	odd	odd	ADJ
framr-1745	15	3	ratio	ratio	NOUN
framr-1745	15	4	is	be	AUX
framr-1745	15	5	not	not	PART
framr-1745	15	6	significant	significant	ADJ
framr-1745	15	7	for	for	ADP
framr-1745	15	8	moving	move	VERB
framr-1745	15	9	from	from	ADP
framr-1745	15	10	no	no	DET
framr-1745	15	11	formal	formal	ADJ
framr-1745	15	12	education	education	NOUN
framr-1745	15	13	to	to	ADP
framr-1745	15	14	primary	primary	ADJ
framr-1745	15	15	education	education	NOUN
framr-1745	15	16	and	and	CCONJ
framr-1745	15	17	therefore	therefore	ADV
framr-1745	15	18	should	should	AUX
framr-1745	15	19	not	not	PART
framr-1745	15	20	be	be	AUX
framr-1745	15	21	interpreted	interpret	VERB
framr-1745	15	22	.	.	PUNCT
framr-1745	16	1	further	far	ADV
framr-1745	16	2	,	,	PUNCT
framr-1745	16	3	individuals	individual	NOUN
framr-1745	16	4	who	who	PRON
framr-1745	16	5	move	move	VERB
framr-1745	16	6	from	from	ADP
framr-1745	16	7	being	be	AUX
framr-1745	16	8	unemployed	unemployed	ADJ
framr-1745	16	9	to	to	ADP
framr-1745	16	10	being	be	AUX
framr-1745	16	11	employed	employ	VERB
framr-1745	16	12	are	be	AUX
framr-1745	16	13	more	more	ADV
framr-1745	16	14	likely	likely	ADJ
framr-1745	16	15	to	to	PART
framr-1745	16	16	obtain	obtain	VERB
framr-1745	16	17	insurance	insurance	NOUN
framr-1745	16	18	cover	cover	NOUN
framr-1745	16	19	.	.	PUNCT
framr-1745	17	1	education	education	NOUN
framr-1745	17	2	has	have	VERB
framr-1745	17	3	the	the	DET
framr-1745	17	4	highest	high	ADJ
framr-1745	17	5	impact	impact	NOUN
framr-1745	17	6	in	in	ADP
framr-1745	17	7	predicting	predict	VERB
framr-1745	17	8	the	the	DET
framr-1745	17	9	likelihood	likelihood	NOUN
framr-1745	17	10	for	for	ADP
framr-1745	17	11	one	one	NUM
framr-1745	17	12	to	to	PART
framr-1745	17	13	have	have	VERB
framr-1745	17	14	insurance	insurance	NOUN
framr-1745	17	15	cover	cover	NOUN
framr-1745	17	16	in	in	ADP
framr-1745	17	17	nigeria	nigeria	PROPN
framr-1745	17	18	.	.	PUNCT
framr-1745	18	1	this	this	DET
framr-1745	18	2	paper	paper	NOUN
framr-1745	18	3	recommends	recommend	VERB
framr-1745	18	4	overhauling	overhaul	VERB
framr-1745	18	5	of	of	ADP
framr-1745	18	6	the	the	DET
framr-1745	18	7	educational	educational	ADJ
framr-1745	18	8	system	system	NOUN
framr-1745	18	9	in	in	ADP
framr-1745	18	10	order	order	NOUN
framr-1745	18	11	to	to	PART
framr-1745	18	12	revamp	revamp	VERB
framr-1745	18	13	this	this	DET
framr-1745	18	14	sector	sector	NOUN
framr-1745	18	15	.	.	PUNCT
framr-1745	19	1	contribution	contribution	NOUN
framr-1745	19	2	/	/	SYM
framr-1745	19	3	originality	originality	NOUN
framr-1745	19	4	:	:	PUNCT
framr-1745	19	5	the	the	DET
framr-1745	19	6	paper	paper	NOUN
framr-1745	19	7	's	's	PART
framr-1745	19	8	primary	primary	ADJ
framr-1745	19	9	contribution	contribution	NOUN
framr-1745	19	10	is	be	AUX
framr-1745	19	11	finding	find	VERB
framr-1745	19	12	that	that	SCONJ
framr-1745	19	13	it	it	PRON
framr-1745	19	14	assessed	assess	VERB
framr-1745	19	15	the	the	DET
framr-1745	19	16	impact	impact	NOUN
framr-1745	19	17	of	of	ADP
framr-1745	19	18	each	each	DET
framr-1745	19	19	level	level	NOUN
framr-1745	19	20	of	of	ADP
framr-1745	19	21	the	the	DET
framr-1745	19	22	categorical	categorical	ADJ
framr-1745	19	23	predictor	predictor	NOUN
framr-1745	19	24	variables	variable	NOUN
framr-1745	19	25	in	in	ADP
framr-1745	19	26	predicting	predict	VERB
framr-1745	19	27	likelihood	likelihood	NOUN
framr-1745	19	28	of	of	ADP
framr-1745	19	29	insurance	insurance	NOUN
framr-1745	19	30	in	in	ADP
framr-1745	19	31	nigeria	nigeria	PROPN
framr-1745	19	32	.	.	PUNCT
framr-1745	20	1	1	1	X
framr-1745	20	2	.	.	X
framr-1745	20	3	introduction	introduction	NOUN
framr-1745	20	4	it	it	PRON
framr-1745	20	5	is	be	AUX
framr-1745	20	6	usually	usually	ADV
framr-1745	20	7	impossible	impossible	ADJ
framr-1745	20	8	to	to	PART
framr-1745	20	9	avert	avert	VERB
framr-1745	20	10	an	an	DET
framr-1745	20	11	unexpected	unexpected	ADJ
framr-1745	20	12	happening	happening	NOUN
framr-1745	20	13	but	but	CCONJ
framr-1745	20	14	one	one	PRON
framr-1745	20	15	can	can	AUX
framr-1745	20	16	have	have	VERB
framr-1745	20	17	some	some	DET
framr-1745	20	18	protection	protection	NOUN
framr-1745	20	19	against	against	ADP
framr-1745	20	20	such	such	ADJ
framr-1745	20	21	unexpected	unexpected	ADJ
framr-1745	20	22	occurrences	occurrence	NOUN
framr-1745	20	23	.	.	PUNCT
framr-1745	21	1	insurance	insurance	NOUN
framr-1745	21	2	serves	serve	VERB
framr-1745	21	3	as	as	ADP
framr-1745	21	4	a	a	DET
framr-1745	21	5	protection	protection	NOUN
framr-1745	21	6	against	against	ADP
framr-1745	21	7	the	the	DET
framr-1745	21	8	unexpected	unexpected	ADJ
framr-1745	21	9	.	.	PUNCT
framr-1745	22	1	insurance	insurance	NOUN
framr-1745	22	2	is	be	AUX
framr-1745	22	3	a	a	DET
framr-1745	22	4	legal	legal	ADJ
framr-1745	22	5	agreement	agreement	NOUN
framr-1745	22	6	between	between	ADP
framr-1745	22	7	two	two	NUM
framr-1745	22	8	parties	party	NOUN
framr-1745	22	9	–	–	PUNCT
framr-1745	22	10	the	the	DET
framr-1745	22	11	individual	individual	NOUN
framr-1745	22	12	(	(	PUNCT
framr-1745	22	13	insured	insure	VERB
framr-1745	22	14	)	)	PUNCT
framr-1745	22	15	and	and	CCONJ
framr-1745	22	16	the	the	DET
framr-1745	22	17	insurance	insurance	NOUN
framr-1745	22	18	company	company	NOUN
framr-1745	22	19	(	(	PUNCT
framr-1745	22	20	insurer	insurer	NOUN
framr-1745	22	21	)	)	PUNCT
framr-1745	22	22	.	.	PUNCT
framr-1745	23	1	the	the	DET
framr-1745	23	2	insurer	insurer	NOUN
framr-1745	23	3	promises	promise	VERB
framr-1745	23	4	to	to	PART
framr-1745	23	5	compensate	compensate	VERB
framr-1745	23	6	for	for	ADP
framr-1745	23	7	financial	financial	ADJ
framr-1745	23	8	losses	loss	NOUN
framr-1745	23	9	of	of	ADP
framr-1745	23	10	the	the	DET
framr-1745	23	11	insured	insure	VERB
framr-1745	23	12	on	on	ADP
framr-1745	23	13	happenings	happening	NOUN
framr-1745	23	14	of	of	ADP
framr-1745	23	15	the	the	DET
framr-1745	23	16	insured	insure	VERB
framr-1745	23	17	contingency	contingency	NOUN
framr-1745	23	18	.	.	PUNCT
framr-1745	24	1	the	the	DET
framr-1745	24	2	insured	insure	VERB
framr-1745	24	3	is	be	AUX
framr-1745	24	4	required	require	VERB
framr-1745	24	5	to	to	PART
framr-1745	24	6	pay	pay	VERB
framr-1745	24	7	a	a	DET
framr-1745	24	8	premium	premium	NOUN
framr-1745	24	9	usually	usually	ADV
framr-1745	24	10	monthly	monthly	ADV
framr-1745	24	11	,	,	PUNCT
framr-1745	24	12	quarterly	quarterly	ADJ
framr-1745	24	13	or	or	CCONJ
framr-1745	24	14	yearly	yearly	ADV
framr-1745	24	15	in	in	ADP
framr-1745	24	16	return	return	NOUN
framr-1745	24	17	for	for	ADP
framr-1745	24	18	the	the	DET
framr-1745	24	19	promise	promise	NOUN
framr-1745	24	20	made	make	VERB
framr-1745	24	21	by	by	ADP
framr-1745	24	22	the	the	DET
framr-1745	24	23	insurer	insurer	NOUN
framr-1745	24	24	.	.	PUNCT
framr-1745	25	1	insurance	insurance	NOUN
framr-1745	25	2	is	be	AUX
framr-1745	25	3	one	one	NUM
framr-1745	25	4	of	of	ADP
framr-1745	25	5	the	the	DET
framr-1745	25	6	most	most	ADV
framr-1745	25	7	effective	effective	ADJ
framr-1745	25	8	risk	risk	NOUN
framr-1745	25	9	management	management	NOUN
framr-1745	25	10	tools	tool	NOUN
framr-1745	25	11	that	that	PRON
framr-1745	25	12	protect	protect	VERB
framr-1745	25	13	individuals	individual	NOUN
framr-1745	25	14	from	from	ADP
framr-1745	25	15	being	be	AUX
framr-1745	25	16	bankrupt	bankrupt	ADJ
framr-1745	25	17	due	due	ADJ
framr-1745	25	18	to	to	ADP
framr-1745	25	19	various	various	ADJ
framr-1745	25	20	contingencies	contingency	NOUN
framr-1745	25	21	.	.	PUNCT
framr-1745	26	1	insurance	insurance	NOUN
framr-1745	26	2	is	be	AUX
framr-1745	26	3	put	put	VERB
framr-1745	26	4	in	in	ADP
framr-1745	26	5	place	place	NOUN
framr-1745	26	6	to	to	PART
framr-1745	26	7	safeguard	safeguard	VERB
framr-1745	26	8	and	and	CCONJ
framr-1745	26	9	protect	protect	VERB
framr-1745	26	10	citizens	citizen	NOUN
framr-1745	26	11	should	should	AUX
framr-1745	26	12	certain	certain	ADJ
framr-1745	26	13	unexpected	unexpected	ADJ
framr-1745	26	14	evils	evil	NOUN
framr-1745	26	15	happen	happen	VERB
framr-1745	26	16	.	.	PUNCT
framr-1745	27	1	there	there	PRON
framr-1745	27	2	are	be	VERB
framr-1745	27	3	different	different	ADJ
framr-1745	27	4	types	type	NOUN
framr-1745	27	5	of	of	ADP
framr-1745	27	6	insurance	insurance	NOUN
framr-1745	27	7	scheme	scheme	NOUN
framr-1745	27	8	and	and	CCONJ
framr-1745	27	9	one	one	NOUN
framr-1745	27	10	can	can	AUX
framr-1745	27	11	choose	choose	VERB
framr-1745	27	12	any	any	PRON
framr-1745	27	13	of	of	ADP
framr-1745	27	14	them	they	PRON
framr-1745	27	15	as	as	SCONJ
framr-1745	27	16	advised	advise	VERB
framr-1745	27	17	by	by	ADP
framr-1745	27	18	financial	financial	ADJ
framr-1745	27	19	experts	expert	NOUN
framr-1745	27	20	.	.	PUNCT
framr-1745	28	1	financial	financial	ADJ
framr-1745	28	2	risk	risk	NOUN
framr-1745	28	3	and	and	CCONJ
framr-1745	28	4	management	management	NOUN
framr-1745	28	5	reviews	review	NOUN
framr-1745	28	6	2021	2021	NUM
framr-1745	28	7	vol	vol	NOUN
framr-1745	28	8	.	.	PROPN
framr-1745	29	1	7	7	NUM
framr-1745	29	2	,	,	PUNCT
framr-1745	29	3	no	no	INTJ
framr-1745	29	4	.	.	NOUN
framr-1745	29	5	1	1	NUM
framr-1745	29	6	,	,	PUNCT
framr-1745	29	7	pp	pp	ADJ
framr-1745	29	8	.	.	PUNCT
framr-1745	30	1	50	50	NUM
framr-1745	30	2	-	-	SYM
framr-1745	30	3	59	59	NUM
framr-1745	30	4	.	.	PUNCT
framr-1745	31	1	issn(e	issn(e	PROPN
framr-1745	31	2	):	):	PUNCT
framr-1745	31	3	2411	2411	NUM
framr-1745	31	4	-	-	SYM
framr-1745	31	5	6408	6408	NUM
framr-1745	31	6	issn(p	issn(p	NUM
framr-1745	31	7	):	):	PUNCT
framr-1745	31	8	2412	2412	NUM
framr-1745	31	9	-	-	SYM
framr-1745	31	10	3404	3404	NUM
framr-1745	31	11	doi	doi	NOUN
framr-1745	31	12	:	:	PUNCT
framr-1745	31	13	10.18488	10.18488	NUM
framr-1745	31	14	/	/	SYM
framr-1745	31	15	journal.89.2021.71.50.59	journal.89.2021.71.50.59	PROPN
framr-1745	31	16	©	©	PROPN
framr-1745	31	17	2021	2021	NUM
framr-1745	31	18	conscientia	conscientia	PROPN
framr-1745	31	19	beam	beam	PROPN
framr-1745	31	20	.	.	PUNCT
framr-1745	32	1	all	all	DET
framr-1745	32	2	rights	right	NOUN
framr-1745	32	3	reserved	reserve	VERB
framr-1745	32	4	.	.	PUNCT
framr-1745	33	1	https://orcid.org/0000-0002-0344-768x	https://orcid.org/0000-0002-0344-768x	PROPN
framr-1745	33	2	https://orcid.org/0000-0003-0541-1442	https://orcid.org/0000-0003-0541-1442	VERB
framr-1745	33	3	https://orcid.org/0000-0002-8688-8842	https://orcid.org/0000-0002-8688-8842	PROPN
framr-1745	33	4	https://orcid.org/0000-0003-1074-7207	https://orcid.org/0000-0003-1074-7207	NOUN
framr-1745	33	5	mailto:amakaorumie@yahoo.com	mailto:amakaorumie@yahoo.com	X
framr-1745	33	6	mailto:desmond.bartholomew@futo.edu.ng	mailto:desmond.bartholomew@futo.edu.ng	PROPN
framr-1745	33	7	mailto:chukwudi.obite@futo.edu.ng	mailto:chukwudi.obite@futo.edu.ng	PROPN
framr-1745	33	8	mailto:lawrence.kiwu@futo.edu.ng	mailto:lawrence.kiwu@futo.edu.ng	PART
framr-1745	33	9	https://www.doi.org/10.18488/journal.89.2021.71.50.59	https://www.doi.org/10.18488/journal.89.2021.71.50.59	VERB
framr-1745	33	10	financial	financial	ADJ
framr-1745	33	11	risk	risk	NOUN
framr-1745	33	12	and	and	CCONJ
framr-1745	33	13	management	management	NOUN
framr-1745	33	14	reviews	review	NOUN
framr-1745	33	15	,	,	PUNCT
framr-1745	33	16	2021	2021	NUM
framr-1745	33	17	,	,	PUNCT
framr-1745	33	18	7(1	7(1	NUM
framr-1745	33	19	):	):	PUNCT
framr-1745	33	20	50	50	NUM
framr-1745	33	21	-	-	SYM
framr-1745	33	22	59	59	NUM
framr-1745	33	23	51	51	NUM
framr-1745	33	24	©	©	PROPN
framr-1745	33	25	2021	2021	NUM
framr-1745	33	26	conscientia	conscientia	PROPN
framr-1745	33	27	beam	beam	PROPN
framr-1745	33	28	.	.	PUNCT
framr-1745	34	1	all	all	DET
framr-1745	34	2	rights	right	NOUN
framr-1745	34	3	reserved	reserve	VERB
framr-1745	34	4	.	.	PUNCT
framr-1745	35	1	financial	financial	ADJ
framr-1745	35	2	experts	expert	NOUN
framr-1745	35	3	will	will	AUX
framr-1745	35	4	always	always	ADV
framr-1745	35	5	advise	advise	VERB
framr-1745	35	6	that	that	SCONJ
framr-1745	35	7	people	people	NOUN
framr-1745	35	8	should	should	AUX
framr-1745	35	9	have	have	VERB
framr-1745	35	10	all	all	DET
framr-1745	35	11	the	the	DET
framr-1745	35	12	insurance	insurance	NOUN
framr-1745	35	13	policies	policy	NOUN
framr-1745	35	14	as	as	SCONJ
framr-1745	35	15	it	it	PRON
framr-1745	35	16	may	may	AUX
framr-1745	35	17	be	be	AUX
framr-1745	35	18	very	very	ADV
framr-1745	35	19	difficult	difficult	ADJ
framr-1745	35	20	to	to	PART
framr-1745	35	21	determine	determine	VERB
framr-1745	35	22	the	the	DET
framr-1745	35	23	unexpected	unexpected	ADJ
framr-1745	35	24	evil	evil	NOUN
framr-1745	35	25	that	that	PRON
framr-1745	35	26	will	will	AUX
framr-1745	35	27	come	come	VERB
framr-1745	35	28	and	and	CCONJ
framr-1745	35	29	the	the	DET
framr-1745	35	30	exact	exact	ADJ
framr-1745	35	31	insurance	insurance	NOUN
framr-1745	35	32	you	you	PRON
framr-1745	35	33	need	need	VERB
framr-1745	35	34	.	.	PUNCT
framr-1745	36	1	there	there	PRON
framr-1745	36	2	are	be	VERB
framr-1745	36	3	five	five	NUM
framr-1745	36	4	types	type	NOUN
framr-1745	36	5	of	of	ADP
framr-1745	36	6	insurance	insurance	NOUN
framr-1745	36	7	recommended	recommend	VERB
framr-1745	36	8	by	by	ADP
framr-1745	36	9	most	most	ADJ
framr-1745	36	10	financial	financial	ADJ
framr-1745	36	11	experts	expert	NOUN
framr-1745	36	12	namely	namely	ADV
framr-1745	36	13	:	:	PUNCT
framr-1745	36	14	life	life	NOUN
framr-1745	36	15	,	,	PUNCT
framr-1745	36	16	health	health	NOUN
framr-1745	36	17	,	,	PUNCT
framr-1745	36	18	long	long	ADJ
framr-1745	36	19	-	-	PUNCT
framr-1745	36	20	term	term	NOUN
framr-1745	36	21	disability	disability	NOUN
framr-1745	36	22	,	,	PUNCT
framr-1745	36	23	automobile	automobile	NOUN
framr-1745	36	24	and	and	CCONJ
framr-1745	36	25	home	home	NOUN
framr-1745	36	26	insurance	insurance	NOUN
framr-1745	36	27	.	.	PUNCT
framr-1745	37	1	the	the	DET
framr-1745	37	2	life	life	NOUN
framr-1745	37	3	insurance	insurance	NOUN
framr-1745	37	4	covers	cover	VERB
framr-1745	37	5	for	for	ADP
framr-1745	37	6	one	one	NUM
framr-1745	37	7	’s	’s	PART
framr-1745	37	8	funeral	funeral	NOUN
framr-1745	37	9	expenses	expense	NOUN
framr-1745	37	10	and	and	CCONJ
framr-1745	37	11	also	also	ADV
framr-1745	37	12	to	to	PART
framr-1745	37	13	take	take	VERB
framr-1745	37	14	care	care	NOUN
framr-1745	37	15	of	of	ADP
framr-1745	37	16	those	those	PRON
framr-1745	37	17	they	they	PRON
framr-1745	37	18	left	leave	VERB
framr-1745	37	19	behind	behind	ADV
framr-1745	37	20	.	.	PUNCT
framr-1745	38	1	the	the	DET
framr-1745	38	2	life	life	NOUN
framr-1745	38	3	insurance	insurance	NOUN
framr-1745	38	4	is	be	AUX
framr-1745	38	5	very	very	ADV
framr-1745	38	6	important	important	ADJ
framr-1745	38	7	if	if	SCONJ
framr-1745	38	8	the	the	DET
framr-1745	38	9	person	person	NOUN
framr-1745	38	10	is	be	AUX
framr-1745	38	11	the	the	DET
framr-1745	38	12	breadwinner	breadwinner	NOUN
framr-1745	38	13	of	of	ADP
framr-1745	38	14	the	the	DET
framr-1745	38	15	family	family	NOUN
framr-1745	38	16	and	and	CCONJ
framr-1745	38	17	has	have	VERB
framr-1745	38	18	many	many	ADJ
framr-1745	38	19	people	people	NOUN
framr-1745	38	20	depending	depend	VERB
framr-1745	38	21	on	on	ADP
framr-1745	38	22	him	he	PRON
framr-1745	38	23	.	.	PUNCT
framr-1745	39	1	the	the	DET
framr-1745	39	2	health	health	NOUN
framr-1745	39	3	insurance	insurance	NOUN
framr-1745	39	4	is	be	AUX
framr-1745	39	5	also	also	ADV
framr-1745	39	6	important	important	ADJ
framr-1745	39	7	because	because	SCONJ
framr-1745	39	8	one	one	NUM
framr-1745	39	9	serious	serious	ADJ
framr-1745	39	10	illness	illness	NOUN
framr-1745	39	11	can	can	AUX
framr-1745	39	12	make	make	VERB
framr-1745	39	13	a	a	DET
framr-1745	39	14	family	family	NOUN
framr-1745	39	15	to	to	PART
framr-1745	39	16	be	be	AUX
framr-1745	39	17	bankrupt	bankrupt	ADJ
framr-1745	39	18	.	.	PUNCT
framr-1745	40	1	a	a	DET
framr-1745	40	2	research	research	NOUN
framr-1745	40	3	of	of	ADP
framr-1745	40	4	900	900	NUM
framr-1745	40	5	americans	american	NOUN
framr-1745	40	6	who	who	PRON
framr-1745	40	7	presented	present	VERB
framr-1745	40	8	personal	personal	ADJ
framr-1745	40	9	bankruptcy	bankruptcy	NOUN
framr-1745	40	10	case	case	NOUN
framr-1745	40	11	between	between	ADP
framr-1745	40	12	2013	2013	NUM
framr-1745	40	13	to	to	ADP
framr-1745	40	14	2016	2016	NUM
framr-1745	40	15	,	,	PUNCT
framr-1745	40	16	medical	medical	ADJ
framr-1745	40	17	problem	problem	NOUN
framr-1745	40	18	was	be	AUX
framr-1745	40	19	the	the	DET
framr-1745	40	20	major	major	ADJ
framr-1745	40	21	reason	reason	NOUN
framr-1745	40	22	for	for	ADP
framr-1745	40	23	bankruptcy	bankruptcy	NOUN
framr-1745	40	24	(	(	PUNCT
framr-1745	40	25	ramos	ramos	PROPN
framr-1745	40	26	et	et	PROPN
framr-1745	40	27	al	al	PROPN
framr-1745	40	28	.	.	PROPN
framr-1745	40	29	,	,	PUNCT
framr-1745	40	30	2019	2019	NUM
framr-1745	40	31	)	)	PUNCT
framr-1745	40	32	.	.	PUNCT
framr-1745	41	1	many	many	ADJ
framr-1745	41	2	people	people	NOUN
framr-1745	41	3	think	think	VERB
framr-1745	41	4	they	they	PRON
framr-1745	41	5	may	may	AUX
framr-1745	41	6	not	not	PART
framr-1745	41	7	need	need	VERB
framr-1745	41	8	the	the	DET
framr-1745	41	9	long	long	ADJ
framr-1745	41	10	-	-	PUNCT
framr-1745	41	11	term	term	NOUN
framr-1745	41	12	disability	disability	NOUN
framr-1745	41	13	insurance	insurance	NOUN
framr-1745	41	14	,	,	PUNCT
framr-1745	41	15	but	but	CCONJ
framr-1745	41	16	the	the	DET
framr-1745	41	17	statistics	statistic	NOUN
framr-1745	41	18	from	from	ADP
framr-1745	41	19	social	social	ADJ
framr-1745	41	20	security	security	NOUN
framr-1745	41	21	administration	administration	NOUN
framr-1745	41	22	showed	show	VERB
framr-1745	41	23	that	that	SCONJ
framr-1745	41	24	one	one	NUM
framr-1745	41	25	-	-	PUNCT
framr-1745	41	26	fourth	fourth	NOUN
framr-1745	41	27	of	of	ADP
framr-1745	41	28	all	all	DET
framr-1745	41	29	workers	worker	NOUN
framr-1745	41	30	will	will	AUX
framr-1745	41	31	become	become	VERB
framr-1745	41	32	disabled	disabled	ADJ
framr-1745	41	33	and	and	CCONJ
framr-1745	41	34	will	will	AUX
framr-1745	41	35	not	not	PART
framr-1745	41	36	be	be	AUX
framr-1745	41	37	able	able	ADJ
framr-1745	41	38	to	to	PART
framr-1745	41	39	work	work	VERB
framr-1745	41	40	before	before	SCONJ
framr-1745	41	41	they	they	PRON
framr-1745	41	42	get	get	VERB
framr-1745	41	43	to	to	ADP
framr-1745	41	44	their	their	PRON
framr-1745	41	45	retirement	retirement	NOUN
framr-1745	41	46	age	age	NOUN
framr-1745	41	47	.	.	PUNCT
framr-1745	42	1	this	this	PRON
framr-1745	42	2	is	be	AUX
framr-1745	42	3	different	different	ADJ
framr-1745	42	4	from	from	ADP
framr-1745	42	5	health	health	NOUN
framr-1745	42	6	insurance	insurance	NOUN
framr-1745	42	7	;	;	PUNCT
framr-1745	42	8	health	health	NOUN
framr-1745	42	9	insurance	insurance	NOUN
framr-1745	42	10	will	will	AUX
framr-1745	42	11	take	take	VERB
framr-1745	42	12	care	care	NOUN
framr-1745	42	13	of	of	ADP
framr-1745	42	14	the	the	DET
framr-1745	42	15	medical	medical	ADJ
framr-1745	42	16	bills	bill	NOUN
framr-1745	42	17	but	but	CCONJ
framr-1745	42	18	it	it	PRON
framr-1745	42	19	would	would	AUX
framr-1745	42	20	not	not	PART
framr-1745	42	21	take	take	VERB
framr-1745	42	22	care	care	NOUN
framr-1745	42	23	of	of	ADP
framr-1745	42	24	the	the	DET
framr-1745	42	25	daily	daily	ADJ
framr-1745	42	26	expenses	expense	NOUN
framr-1745	42	27	for	for	ADP
framr-1745	42	28	the	the	DET
framr-1745	42	29	days	day	NOUN
framr-1745	42	30	when	when	SCONJ
framr-1745	42	31	one	one	PRON
framr-1745	42	32	is	be	AUX
framr-1745	42	33	unable	unable	ADJ
framr-1745	42	34	to	to	PART
framr-1745	42	35	work	work	VERB
framr-1745	42	36	for	for	ADP
framr-1745	42	37	weeks	week	NOUN
framr-1745	42	38	,	,	PUNCT
framr-1745	42	39	months	month	NOUN
framr-1745	42	40	,	,	PUNCT
framr-1745	42	41	or	or	CCONJ
framr-1745	42	42	ever	ever	ADV
framr-1745	42	43	again	again	ADV
framr-1745	42	44	.	.	PUNCT
framr-1745	43	1	the	the	DET
framr-1745	43	2	automobile	automobile	NOUN
framr-1745	43	3	insurance	insurance	NOUN
framr-1745	43	4	covers	cover	VERB
framr-1745	43	5	for	for	ADP
framr-1745	43	6	expenses	expense	NOUN
framr-1745	43	7	for	for	ADP
framr-1745	43	8	car	car	NOUN
framr-1745	43	9	accident	accident	NOUN
framr-1745	43	10	and	and	CCONJ
framr-1745	43	11	help	help	VERB
framr-1745	43	12	guard	guard	VERB
framr-1745	43	13	against	against	ADP
framr-1745	43	14	any	any	DET
framr-1745	43	15	litigation	litigation	NOUN
framr-1745	43	16	that	that	PRON
framr-1745	43	17	might	might	AUX
framr-1745	43	18	come	come	VERB
framr-1745	43	19	up	up	ADP
framr-1745	43	20	from	from	ADP
framr-1745	43	21	the	the	DET
framr-1745	43	22	accident	accident	NOUN
framr-1745	43	23	.	.	PUNCT
framr-1745	44	1	auto	auto	NOUN
framr-1745	44	2	insurance	insurance	NOUN
framr-1745	44	3	also	also	ADV
framr-1745	44	4	protects	protect	VERB
framr-1745	44	5	vehicles	vehicle	NOUN
framr-1745	44	6	of	of	ADP
framr-1745	44	7	the	the	DET
framr-1745	44	8	insured	insure	VERB
framr-1745	44	9	against	against	ADP
framr-1745	44	10	vandalism	vandalism	NOUN
framr-1745	44	11	,	,	PUNCT
framr-1745	44	12	theft	theft	NOUN
framr-1745	44	13	or	or	CCONJ
framr-1745	44	14	a	a	DET
framr-1745	44	15	natural	natural	ADJ
framr-1745	44	16	disaster	disaster	NOUN
framr-1745	44	17	.	.	PUNCT
framr-1745	45	1	home	home	NOUN
framr-1745	45	2	insurance	insurance	NOUN
framr-1745	45	3	covers	cover	VERB
framr-1745	45	4	for	for	ADP
framr-1745	45	5	losses	loss	NOUN
framr-1745	45	6	and	and	CCONJ
framr-1745	45	7	damages	damage	NOUN
framr-1745	45	8	caused	cause	VERB
framr-1745	45	9	to	to	ADP
framr-1745	45	10	your	your	PRON
framr-1745	45	11	home	home	NOUN
framr-1745	45	12	resulting	result	VERB
framr-1745	45	13	from	from	ADP
framr-1745	45	14	accidents	accident	NOUN
framr-1745	45	15	like	like	ADP
framr-1745	45	16	fire	fire	NOUN
framr-1745	45	17	and	and	CCONJ
framr-1745	45	18	other	other	ADJ
framr-1745	45	19	natural	natural	ADJ
framr-1745	45	20	calamities	calamity	NOUN
framr-1745	45	21	.	.	PUNCT
framr-1745	46	1	insurance	insurance	NOUN
framr-1745	46	2	is	be	AUX
framr-1745	46	3	necessary	necessary	ADJ
framr-1745	46	4	and	and	CCONJ
framr-1745	46	5	important	important	ADJ
framr-1745	46	6	since	since	SCONJ
framr-1745	46	7	it	it	PRON
framr-1745	46	8	grants	grant	VERB
framr-1745	46	9	peace	peace	NOUN
framr-1745	46	10	of	of	ADP
framr-1745	46	11	mind	mind	NOUN
framr-1745	46	12	to	to	ADP
framr-1745	46	13	people	people	NOUN
framr-1745	46	14	.	.	PUNCT
framr-1745	47	1	a	a	DET
framr-1745	47	2	business	business	NOUN
framr-1745	47	3	owner	owner	NOUN
framr-1745	47	4	can	can	AUX
framr-1745	47	5	take	take	VERB
framr-1745	47	6	on	on	ADP
framr-1745	47	7	certain	certain	ADJ
framr-1745	47	8	business	business	NOUN
framr-1745	47	9	opportunities	opportunity	NOUN
framr-1745	47	10	because	because	SCONJ
framr-1745	47	11	they	they	PRON
framr-1745	47	12	can	can	AUX
framr-1745	47	13	shift	shift	VERB
framr-1745	47	14	the	the	DET
framr-1745	47	15	risk	risk	NOUN
framr-1745	47	16	.	.	PUNCT
framr-1745	48	1	some	some	DET
framr-1745	48	2	extant	extant	ADJ
framr-1745	48	3	literature	literature	NOUN
framr-1745	48	4	reveals	reveal	VERB
framr-1745	48	5	that	that	SCONJ
framr-1745	48	6	works	work	NOUN
framr-1745	48	7	have	have	AUX
framr-1745	48	8	been	be	AUX
framr-1745	48	9	done	do	VERB
framr-1745	48	10	on	on	ADP
framr-1745	48	11	insurance	insurance	NOUN
framr-1745	48	12	and	and	CCONJ
framr-1745	48	13	some	some	PRON
framr-1745	48	14	of	of	ADP
framr-1745	48	15	these	these	DET
framr-1745	48	16	literatures	literature	NOUN
framr-1745	48	17	are	be	AUX
framr-1745	48	18	reviewed	review	VERB
framr-1745	48	19	as	as	ADP
framr-1745	48	20	follow	follow	VERB
framr-1745	48	21	:	:	PUNCT
framr-1745	48	22	nkengmenche	nkengmenche	NOUN
framr-1745	48	23	(	(	PUNCT
framr-1745	48	24	2020	2020	NUM
framr-1745	48	25	)	)	PUNCT
framr-1745	48	26	studied	study	VERB
framr-1745	48	27	different	different	ADJ
framr-1745	48	28	factors	factor	NOUN
framr-1745	48	29	to	to	PART
framr-1745	48	30	ascertain	ascertain	VERB
framr-1745	48	31	how	how	SCONJ
framr-1745	48	32	they	they	PRON
framr-1745	48	33	affect	affect	VERB
framr-1745	48	34	the	the	DET
framr-1745	48	35	fast	fast	ADJ
framr-1745	48	36	growth	growth	NOUN
framr-1745	48	37	of	of	ADP
framr-1745	48	38	life	life	NOUN
framr-1745	48	39	insurance	insurance	NOUN
framr-1745	48	40	in	in	ADP
framr-1745	48	41	cameroon	cameroon	NOUN
framr-1745	48	42	.	.	PUNCT
framr-1745	49	1	they	they	PRON
framr-1745	49	2	discovered	discover	VERB
framr-1745	49	3	that	that	SCONJ
framr-1745	49	4	poor	poor	ADJ
framr-1745	49	5	integrity	integrity	NOUN
framr-1745	49	6	by	by	ADP
framr-1745	49	7	the	the	DET
framr-1745	49	8	insurance	insurance	NOUN
framr-1745	49	9	companies	company	NOUN
framr-1745	49	10	,	,	PUNCT
framr-1745	49	11	high	high	ADJ
framr-1745	49	12	cost	cost	NOUN
framr-1745	49	13	of	of	ADP
framr-1745	49	14	premiums	premium	NOUN
framr-1745	49	15	,	,	PUNCT
framr-1745	49	16	non	non	ADJ
framr-1745	49	17	-	-	NOUN
framr-1745	49	18	availability	availability	NOUN
framr-1745	49	19	of	of	ADP
framr-1745	49	20	the	the	DET
framr-1745	49	21	insurance	insurance	NOUN
framr-1745	49	22	companies	company	NOUN
framr-1745	49	23	in	in	ADP
framr-1745	49	24	some	some	DET
framr-1745	49	25	part	part	NOUN
framr-1745	49	26	of	of	ADP
framr-1745	49	27	the	the	DET
framr-1745	49	28	country	country	NOUN
framr-1745	49	29	,	,	PUNCT
framr-1745	49	30	lack	lack	NOUN
framr-1745	49	31	of	of	ADP
framr-1745	49	32	disposable	disposable	ADJ
framr-1745	49	33	income	income	NOUN
framr-1745	49	34	,	,	PUNCT
framr-1745	49	35	inefficiency	inefficiency	NOUN
framr-1745	49	36	in	in	ADP
framr-1745	49	37	settling	settle	VERB
framr-1745	49	38	claims	claim	NOUN
framr-1745	49	39	,	,	PUNCT
framr-1745	49	40	and	and	CCONJ
framr-1745	49	41	poor	poor	ADJ
framr-1745	49	42	customers	customer	NOUN
framr-1745	49	43	and	and	CCONJ
framr-1745	49	44	distribution	distribution	NOUN
framr-1745	49	45	channels	channel	NOUN
framr-1745	49	46	have	have	VERB
framr-1745	49	47	a	a	DET
framr-1745	49	48	significant	significant	ADJ
framr-1745	49	49	effect	effect	NOUN
framr-1745	49	50	.	.	PUNCT
framr-1745	50	1	in	in	ADP
framr-1745	50	2	the	the	DET
framr-1745	50	3	fast	fast	ADJ
framr-1745	50	4	growth	growth	NOUN
framr-1745	50	5	of	of	ADP
framr-1745	50	6	life	life	NOUN
framr-1745	50	7	insurance	insurance	NOUN
framr-1745	50	8	in	in	ADP
framr-1745	50	9	cameroon	cameroon	NOUN
framr-1745	50	10	.	.	PUNCT
framr-1745	51	1	the	the	DET
framr-1745	51	2	result	result	NOUN
framr-1745	51	3	of	of	ADP
framr-1745	51	4	nkengmenche	nkengmenche	NOUN
framr-1745	51	5	(	(	PUNCT
framr-1745	51	6	2020	2020	NUM
framr-1745	51	7	)	)	PUNCT
framr-1745	51	8	is	be	AUX
framr-1745	51	9	similar	similar	ADJ
framr-1745	51	10	to	to	ADP
framr-1745	51	11	what	what	PRON
framr-1745	51	12	salami	salami	NOUN
framr-1745	51	13	(	(	PUNCT
framr-1745	51	14	1996	1996	NUM
framr-1745	51	15	)	)	PUNCT
framr-1745	51	16	discovered	discover	VERB
framr-1745	51	17	,	,	PUNCT
framr-1745	51	18	that	that	SCONJ
framr-1745	51	19	poor	poor	ADJ
framr-1745	51	20	marketing	marketing	NOUN
framr-1745	51	21	relation	relation	NOUN
framr-1745	51	22	and	and	CCONJ
framr-1745	51	23	poor	poor	ADJ
framr-1745	51	24	premium	premium	NOUN
framr-1745	51	25	price	price	NOUN
framr-1745	51	26	has	have	AUX
framr-1745	51	27	made	make	VERB
framr-1745	51	28	many	many	ADJ
framr-1745	51	29	customers	customer	NOUN
framr-1745	51	30	to	to	PART
framr-1745	51	31	allow	allow	VERB
framr-1745	51	32	their	their	PRON
framr-1745	51	33	policies	policy	NOUN
framr-1745	51	34	to	to	ADP
framr-1745	51	35	lapse	lapse	NOUN
framr-1745	51	36	.	.	PUNCT
framr-1745	52	1	beck	beck	NOUN
framr-1745	52	2	and	and	CCONJ
framr-1745	52	3	webb	webb	PROPN
framr-1745	52	4	(	(	PUNCT
framr-1745	52	5	2003	2003	NUM
framr-1745	52	6	)	)	PUNCT
framr-1745	52	7	discovered	discover	VERB
framr-1745	52	8	that	that	SCONJ
framr-1745	52	9	high	high	ADJ
framr-1745	52	10	income	income	NOUN
framr-1745	52	11	level	level	NOUN
framr-1745	52	12	per	per	ADP
framr-1745	52	13	capital	capital	NOUN
framr-1745	52	14	countries	country	NOUN
framr-1745	52	15	,	,	PUNCT
framr-1745	52	16	countries	country	NOUN
framr-1745	52	17	with	with	ADP
framr-1745	52	18	more	more	ADV
framr-1745	52	19	developed	develop	VERB
framr-1745	52	20	banking	banking	NOUN
framr-1745	52	21	sector	sector	NOUN
framr-1745	52	22	,	,	PUNCT
framr-1745	52	23	countries	country	NOUN
framr-1745	52	24	with	with	ADP
framr-1745	52	25	low	low	ADJ
framr-1745	52	26	inflation	inflation	NOUN
framr-1745	52	27	rate	rate	NOUN
framr-1745	52	28	,	,	PUNCT
framr-1745	52	29	high	high	ADJ
framr-1745	52	30	private	private	ADJ
framr-1745	52	31	savings	saving	NOUN
framr-1745	52	32	and	and	CCONJ
framr-1745	52	33	real	real	ADJ
framr-1745	52	34	interest	interest	NOUN
framr-1745	52	35	rate	rate	NOUN
framr-1745	52	36	are	be	AUX
framr-1745	52	37	more	more	ADV
framr-1745	52	38	likely	likely	ADJ
framr-1745	52	39	to	to	PART
framr-1745	52	40	purchase	purchase	VERB
framr-1745	52	41	large	large	ADJ
framr-1745	52	42	amount	amount	NOUN
framr-1745	52	43	of	of	ADP
framr-1745	52	44	life	life	NOUN
framr-1745	52	45	insurance	insurance	NOUN
framr-1745	52	46	coverage	coverage	NOUN
framr-1745	52	47	.	.	PUNCT
framr-1745	53	1	they	they	PRON
framr-1745	53	2	also	also	ADV
framr-1745	53	3	found	find	VERB
framr-1745	53	4	out	out	ADP
framr-1745	53	5	that	that	DET
framr-1745	53	6	education	education	NOUN
framr-1745	53	7	,	,	PUNCT
framr-1745	53	8	life	life	NOUN
framr-1745	53	9	expectancy	expectancy	NOUN
framr-1745	53	10	and	and	CCONJ
framr-1745	53	11	dependency	dependency	NOUN
framr-1745	53	12	ratio	ratio	NOUN
framr-1745	53	13	of	of	ADP
framr-1745	53	14	the	the	DET
framr-1745	53	15	young	young	ADJ
framr-1745	53	16	have	have	VERB
framr-1745	53	17	no	no	DET
framr-1745	53	18	significant	significant	ADJ
framr-1745	53	19	effect	effect	NOUN
framr-1745	53	20	on	on	ADP
framr-1745	53	21	the	the	DET
framr-1745	53	22	purchase	purchase	NOUN
framr-1745	53	23	of	of	ADP
framr-1745	53	24	life	life	NOUN
framr-1745	53	25	insurance	insurance	NOUN
framr-1745	53	26	.	.	PUNCT
framr-1745	54	1	buzatu	buzatu	NOUN
framr-1745	54	2	(	(	PUNCT
framr-1745	54	3	2013	2013	NUM
framr-1745	54	4	)	)	PUNCT
framr-1745	54	5	studied	study	VERB
framr-1745	54	6	the	the	DET
framr-1745	54	7	influence	influence	NOUN
framr-1745	54	8	of	of	ADP
framr-1745	54	9	behavioral	behavioral	ADJ
framr-1745	54	10	factors	factor	NOUN
framr-1745	54	11	on	on	ADP
framr-1745	54	12	insurance	insurance	NOUN
framr-1745	54	13	decision	decision	NOUN
framr-1745	54	14	using	use	VERB
framr-1745	54	15	the	the	DET
framr-1745	54	16	romanian	romanian	ADJ
framr-1745	54	17	approach	approach	NOUN
framr-1745	54	18	.	.	PUNCT
framr-1745	55	1	he	he	PRON
framr-1745	55	2	found	find	VERB
framr-1745	55	3	out	out	ADP
framr-1745	55	4	that	that	SCONJ
framr-1745	55	5	different	different	ADJ
framr-1745	55	6	client	client	NOUN
framr-1745	55	7	approaches	approach	NOUN
framr-1745	55	8	by	by	ADP
framr-1745	55	9	the	the	DET
framr-1745	55	10	insurance	insurance	NOUN
framr-1745	55	11	companies	company	NOUN
framr-1745	55	12	,	,	PUNCT
framr-1745	55	13	specific	specific	ADJ
framr-1745	55	14	protection	protection	NOUN
framr-1745	55	15	of	of	ADP
framr-1745	55	16	clients	client	NOUN
framr-1745	55	17	based	base	VERB
framr-1745	55	18	on	on	ADP
framr-1745	55	19	the	the	DET
framr-1745	55	20	clients	client	NOUN
framr-1745	55	21	’	’	PART
framr-1745	55	22	behavioral	behavioral	ADJ
framr-1745	55	23	issues	issue	NOUN
framr-1745	55	24	,	,	PUNCT
framr-1745	55	25	and	and	CCONJ
framr-1745	55	26	financial	financial	ADJ
framr-1745	55	27	awareness	awareness	NOUN
framr-1745	55	28	in	in	ADP
framr-1745	55	29	the	the	DET
framr-1745	55	30	field	field	NOUN
framr-1745	55	31	significantly	significantly	ADV
framr-1745	55	32	affect	affect	VERB
framr-1745	55	33	peoples	people	NOUN
framr-1745	55	34	’	’	PART
framr-1745	55	35	insurance	insurance	NOUN
framr-1745	55	36	decision	decision	NOUN
framr-1745	55	37	.	.	PUNCT
framr-1745	56	1	park	park	NOUN
framr-1745	56	2	and	and	CCONJ
framr-1745	56	3	lemaire	lemaire	PROPN
framr-1745	56	4	(	(	PUNCT
framr-1745	56	5	2012	2012	NUM
framr-1745	56	6	)	)	PUNCT
framr-1745	56	7	found	find	VERB
framr-1745	56	8	out	out	ADP
framr-1745	56	9	that	that	SCONJ
framr-1745	56	10	countries	country	NOUN
framr-1745	56	11	with	with	ADP
framr-1745	56	12	a	a	DET
framr-1745	56	13	large	large	ADJ
framr-1745	56	14	fraction	fraction	NOUN
framr-1745	56	15	of	of	ADP
framr-1745	56	16	people	people	NOUN
framr-1745	56	17	with	with	ADP
framr-1745	56	18	islamic	islamic	ADJ
framr-1745	56	19	beliefs	belief	NOUN
framr-1745	56	20	are	be	AUX
framr-1745	56	21	less	less	ADV
framr-1745	56	22	likely	likely	ADJ
framr-1745	56	23	to	to	PART
framr-1745	56	24	buy	buy	VERB
framr-1745	56	25	an	an	DET
framr-1745	56	26	insurance	insurance	NOUN
framr-1745	56	27	policy	policy	NOUN
framr-1745	56	28	.	.	PUNCT
framr-1745	57	1	hammond	hammond	PROPN
framr-1745	57	2	,	,	PUNCT
framr-1745	57	3	houston	houston	PROPN
framr-1745	57	4	,	,	PUNCT
framr-1745	57	5	and	and	CCONJ
framr-1745	57	6	melander	melander	NOUN
framr-1745	57	7	(	(	PUNCT
framr-1745	57	8	2007	2007	NUM
framr-1745	57	9	)	)	PUNCT
framr-1745	57	10	;	;	PUNCT
framr-1745	57	11	truett	truett	NOUN
framr-1745	57	12	and	and	CCONJ
framr-1745	57	13	truett	truett	NOUN
framr-1745	57	14	(	(	PUNCT
framr-1745	57	15	2004	2004	NUM
framr-1745	57	16	)	)	PUNCT
framr-1745	57	17	and	and	CCONJ
framr-1745	57	18	burnett	burnett	PROPN
framr-1745	57	19	and	and	CCONJ
framr-1745	57	20	palmer	palmer	PROPN
framr-1745	57	21	(	(	PUNCT
framr-1745	57	22	2004	2004	NUM
framr-1745	57	23	)	)	PUNCT
framr-1745	57	24	identified	identify	VERB
framr-1745	57	25	higher	high	ADJ
framr-1745	57	26	education	education	NOUN
framr-1745	57	27	as	as	ADP
framr-1745	57	28	one	one	NUM
framr-1745	57	29	of	of	ADP
framr-1745	57	30	the	the	DET
framr-1745	57	31	factors	factor	NOUN
framr-1745	57	32	that	that	PRON
framr-1745	57	33	influences	influence	VERB
framr-1745	57	34	an	an	DET
framr-1745	57	35	individual	individual	NOUN
framr-1745	57	36	in	in	ADP
framr-1745	57	37	purchasing	purchase	VERB
framr-1745	57	38	an	an	DET
framr-1745	57	39	insurance	insurance	NOUN
framr-1745	57	40	policy	policy	NOUN
framr-1745	57	41	to	to	PART
framr-1745	57	42	protect	protect	VERB
framr-1745	57	43	their	their	PRON
framr-1745	57	44	dependents	dependent	NOUN
framr-1745	57	45	.	.	PUNCT
framr-1745	58	1	yildirim	yildirim	NOUN
framr-1745	58	2	and	and	CCONJ
framr-1745	58	3	cakar	cakar	PROPN
framr-1745	58	4	(	(	PUNCT
framr-1745	58	5	2015	2015	NUM
framr-1745	58	6	)	)	PUNCT
framr-1745	58	7	identified	identify	VERB
framr-1745	58	8	different	different	ADJ
framr-1745	58	9	factors	factor	NOUN
framr-1745	58	10	that	that	PRON
framr-1745	58	11	influences	influence	VERB
framr-1745	58	12	insurance	insurance	NOUN
framr-1745	58	13	companies	company	NOUN
framr-1745	58	14	’	’	PART
framr-1745	58	15	preference	preference	NOUN
framr-1745	58	16	for	for	ADP
framr-1745	58	17	insurance	insurance	NOUN
framr-1745	58	18	agencies	agency	NOUN
framr-1745	58	19	operating	operate	VERB
framr-1745	58	20	in	in	ADP
framr-1745	58	21	turkey	turkey	NOUN
framr-1745	58	22	.	.	PUNCT
framr-1745	59	1	using	use	VERB
framr-1745	59	2	information	information	NOUN
framr-1745	59	3	from	from	ADP
framr-1745	59	4	a	a	DET
framr-1745	59	5	face	face	NOUN
framr-1745	59	6	-	-	PUNCT
framr-1745	59	7	to	to	ADP
framr-1745	59	8	-	-	PUNCT
framr-1745	59	9	face	face	NOUN
framr-1745	59	10	interview	interview	NOUN
framr-1745	59	11	from	from	ADP
framr-1745	59	12	forty	forty	NUM
framr-1745	59	13	-	-	PUNCT
framr-1745	59	14	nine	nine	NUM
framr-1745	59	15	agencies	agency	NOUN
framr-1745	59	16	,	,	PUNCT
framr-1745	59	17	they	they	PRON
framr-1745	59	18	discovered	discover	VERB
framr-1745	59	19	that	that	SCONJ
framr-1745	59	20	financial	financial	ADJ
framr-1745	59	21	opportunities	opportunity	NOUN
framr-1745	59	22	provided	provide	VERB
framr-1745	59	23	to	to	ADP
framr-1745	59	24	agents	agent	NOUN
framr-1745	59	25	,	,	PUNCT
framr-1745	59	26	ability	ability	NOUN
framr-1745	59	27	to	to	PART
framr-1745	59	28	pay	pay	VERB
framr-1745	59	29	the	the	DET
framr-1745	59	30	claims	claim	NOUN
framr-1745	59	31	of	of	ADP
framr-1745	59	32	policyholders	policyholder	NOUN
framr-1745	59	33	by	by	ADP
framr-1745	59	34	insurance	insurance	NOUN
framr-1745	59	35	companies	company	NOUN
framr-1745	59	36	,	,	PUNCT
framr-1745	59	37	communication	communication	NOUN
framr-1745	59	38	,	,	PUNCT
framr-1745	59	39	and	and	CCONJ
framr-1745	59	40	providing	provide	VERB
framr-1745	59	41	assistance	assistance	NOUN
framr-1745	59	42	are	be	AUX
framr-1745	59	43	the	the	DET
framr-1745	59	44	major	major	ADJ
framr-1745	59	45	factors	factor	NOUN
framr-1745	59	46	influencing	influence	VERB
framr-1745	59	47	insurance	insurance	NOUN
framr-1745	59	48	companies	company	NOUN
framr-1745	59	49	’	'	PUNCT
framr-1745	59	50	preference	preference	NOUN
framr-1745	59	51	of	of	ADP
framr-1745	59	52	insurance	insurance	NOUN
framr-1745	59	53	agencies	agency	NOUN
framr-1745	59	54	.	.	PUNCT
framr-1745	60	1	a	a	DET
framr-1745	60	2	recent	recent	ADJ
framr-1745	60	3	paper	paper	NOUN
framr-1745	60	4	by	by	ADP
framr-1745	60	5	ugwuanyim	ugwuanyim	NOUN
framr-1745	60	6	,	,	PUNCT
framr-1745	60	7	onwuegbuchunam	onwuegbuchunam	NOUN
framr-1745	60	8	,	,	PUNCT
framr-1745	60	9	bartholomew	bartholomew	NOUN
framr-1745	60	10	,	,	PUNCT
framr-1745	60	11	and	and	CCONJ
framr-1745	60	12	anikpe	anikpe	NOUN
framr-1745	60	13	(	(	PUNCT
framr-1745	60	14	2021	2021	NUM
framr-1745	60	15	)	)	PUNCT
framr-1745	60	16	also	also	ADV
framr-1745	60	17	found	find	VERB
framr-1745	60	18	that	that	SCONJ
framr-1745	60	19	claims	claim	VERB
framr-1745	60	20	settlement	settlement	NOUN
framr-1745	60	21	affects	affect	VERB
framr-1745	60	22	the	the	DET
framr-1745	60	23	volume	volume	NOUN
framr-1745	60	24	of	of	ADP
framr-1745	60	25	premiums	premium	NOUN
framr-1745	60	26	received	receive	VERB
framr-1745	60	27	by	by	ADP
framr-1745	60	28	insurance	insurance	NOUN
framr-1745	60	29	companies	company	NOUN
framr-1745	60	30	in	in	ADP
framr-1745	60	31	nigeria	nigeria	PROPN
framr-1745	60	32	.	.	PUNCT
framr-1745	61	1	insecurities	insecurity	NOUN
framr-1745	61	2	have	have	AUX
framr-1745	61	3	been	be	AUX
framr-1745	61	4	a	a	DET
framr-1745	61	5	serious	serious	ADJ
framr-1745	61	6	problem	problem	NOUN
framr-1745	61	7	in	in	ADP
framr-1745	61	8	nigeria	nigeria	PROPN
framr-1745	61	9	since	since	SCONJ
framr-1745	61	10	the	the	DET
framr-1745	61	11	early	early	ADJ
framr-1745	61	12	2000s	2000s	NUM
framr-1745	61	13	.	.	PUNCT
framr-1745	62	1	armed	armed	ADJ
framr-1745	62	2	militants	militant	NOUN
framr-1745	62	3	were	be	AUX
framr-1745	62	4	after	after	ADP
framr-1745	62	5	oil	oil	NOUN
framr-1745	62	6	industry	industry	NOUN
framr-1745	62	7	infrastructure	infrastructure	NOUN
framr-1745	62	8	and	and	CCONJ
framr-1745	62	9	kidnapping	kidnapping	NOUN
framr-1745	62	10	.	.	PUNCT
framr-1745	63	1	years	year	NOUN
framr-1745	63	2	later	later	ADV
framr-1745	63	3	,	,	PUNCT
framr-1745	63	4	it	it	PRON
framr-1745	63	5	extended	extend	VERB
framr-1745	63	6	to	to	ADP
framr-1745	63	7	farmer	farmer	NOUN
framr-1745	63	8	-	-	PUNCT
framr-1745	63	9	herder	herder	NOUN
framr-1745	63	10	conflicts	conflict	NOUN
framr-1745	63	11	,	,	PUNCT
framr-1745	63	12	islamic	islamic	ADJ
framr-1745	63	13	insurgents	insurgent	NOUN
framr-1745	63	14	in	in	ADP
framr-1745	63	15	northern	northern	PROPN
framr-1745	63	16	nigeria	nigeria	PROPN
framr-1745	63	17	,	,	PUNCT
framr-1745	63	18	cultism	cultism	NOUN
framr-1745	63	19	,	,	PUNCT
framr-1745	63	20	election	election	NOUN
framr-1745	63	21	violence	violence	NOUN
framr-1745	63	22	,	,	PUNCT
framr-1745	63	23	banditry	banditry	NOUN
framr-1745	63	24	involving	involve	VERB
framr-1745	63	25	fulani	fulani	ADJ
framr-1745	63	26	herdsmen	herdsman	NOUN
framr-1745	63	27	,	,	PUNCT
framr-1745	63	28	etc	etc	X
framr-1745	63	29	.	.	X
framr-1745	64	1	these	these	DET
framr-1745	64	2	insecurities	insecurity	NOUN
framr-1745	64	3	have	have	AUX
framr-1745	64	4	led	lead	VERB
framr-1745	64	5	to	to	ADP
framr-1745	64	6	unexpected	unexpected	ADJ
framr-1745	64	7	loss	loss	NOUN
framr-1745	64	8	of	of	ADP
framr-1745	64	9	properties	property	NOUN
framr-1745	64	10	and	and	CCONJ
framr-1745	64	11	lives	life	NOUN
framr-1745	64	12	;	;	PUNCT
framr-1745	64	13	and	and	CCONJ
framr-1745	64	14	many	many	ADJ
framr-1745	64	15	health	health	NOUN
framr-1745	64	16	related	relate	VERB
framr-1745	64	17	issues	issue	NOUN
framr-1745	64	18	(	(	PUNCT
framr-1745	64	19	ebiede	ebiede	NOUN
framr-1745	64	20	,	,	PUNCT
framr-1745	64	21	2021	2021	NUM
framr-1745	64	22	)	)	PUNCT
framr-1745	64	23	.	.	PUNCT
framr-1745	65	1	those	those	PRON
framr-1745	65	2	with	with	ADP
framr-1745	65	3	an	an	DET
framr-1745	65	4	insurance	insurance	NOUN
framr-1745	65	5	financial	financial	ADJ
framr-1745	65	6	risk	risk	NOUN
framr-1745	65	7	and	and	CCONJ
framr-1745	65	8	management	management	NOUN
framr-1745	65	9	reviews	review	NOUN
framr-1745	65	10	,	,	PUNCT
framr-1745	65	11	2021	2021	NUM
framr-1745	65	12	,	,	PUNCT
framr-1745	65	13	7(1	7(1	NUM
framr-1745	65	14	):	):	PUNCT
framr-1745	65	15	50	50	NUM
framr-1745	65	16	-	-	SYM
framr-1745	65	17	59	59	NUM
framr-1745	65	18	52	52	NUM
framr-1745	65	19	©	©	PROPN
framr-1745	65	20	2021	2021	NUM
framr-1745	65	21	conscientia	conscientia	PROPN
framr-1745	65	22	beam	beam	PROPN
framr-1745	65	23	.	.	PUNCT
framr-1745	66	1	all	all	DET
framr-1745	66	2	rights	right	NOUN
framr-1745	66	3	reserved	reserve	VERB
framr-1745	66	4	.	.	PUNCT
framr-1745	67	1	cover	cover	NOUN
framr-1745	67	2	always	always	ADV
framr-1745	67	3	have	have	VERB
framr-1745	67	4	some	some	DET
framr-1745	67	5	protection	protection	NOUN
framr-1745	67	6	against	against	ADP
framr-1745	67	7	such	such	ADJ
framr-1745	67	8	unexpected	unexpected	ADJ
framr-1745	67	9	occurrences	occurrence	NOUN
framr-1745	67	10	and	and	CCONJ
framr-1745	67	11	can	can	AUX
framr-1745	67	12	shift	shift	VERB
framr-1745	67	13	the	the	DET
framr-1745	67	14	risk	risk	NOUN
framr-1745	67	15	to	to	ADP
framr-1745	67	16	the	the	DET
framr-1745	67	17	insurer	insurer	NOUN
framr-1745	67	18	while	while	SCONJ
framr-1745	67	19	those	those	PRON
framr-1745	67	20	without	without	ADP
framr-1745	67	21	any	any	DET
framr-1745	67	22	insurance	insurance	NOUN
framr-1745	67	23	cover	cover	NOUN
framr-1745	67	24	suffer	suffer	VERB
framr-1745	67	25	a	a	DET
framr-1745	67	26	lot	lot	NOUN
framr-1745	67	27	and	and	CCONJ
framr-1745	67	28	may	may	AUX
framr-1745	67	29	become	become	VERB
framr-1745	67	30	bankrupt	bankrupt	ADJ
framr-1745	67	31	due	due	ADP
framr-1745	67	32	to	to	ADP
framr-1745	67	33	the	the	DET
framr-1745	67	34	sudden	sudden	ADJ
framr-1745	67	35	financial	financial	ADJ
framr-1745	67	36	burden	burden	NOUN
framr-1745	67	37	the	the	DET
framr-1745	67	38	unexpected	unexpected	ADJ
framr-1745	67	39	damages	damage	NOUN
framr-1745	67	40	had	have	AUX
framr-1745	67	41	caused	cause	VERB
framr-1745	67	42	.	.	PUNCT
framr-1745	68	1	in	in	ADP
framr-1745	68	2	this	this	DET
framr-1745	68	3	study	study	NOUN
framr-1745	68	4	,	,	PUNCT
framr-1745	68	5	the	the	DET
framr-1745	68	6	researchers	researcher	NOUN
framr-1745	68	7	,	,	PUNCT
framr-1745	68	8	seek	seek	VERB
framr-1745	68	9	to	to	PART
framr-1745	68	10	know	know	VERB
framr-1745	68	11	the	the	DET
framr-1745	68	12	factors	factor	NOUN
framr-1745	68	13	that	that	PRON
framr-1745	68	14	influences	influence	VERB
framr-1745	68	15	peoples	people	NOUN
framr-1745	68	16	’	'	PUNCT
framr-1745	68	17	choice	choice	NOUN
framr-1745	68	18	of	of	ADP
framr-1745	68	19	having	have	VERB
framr-1745	68	20	an	an	DET
framr-1745	68	21	insurance	insurance	NOUN
framr-1745	68	22	cover	cover	NOUN
framr-1745	68	23	in	in	ADP
framr-1745	68	24	nigeria	nigeria	PROPN
framr-1745	68	25	,	,	PUNCT
framr-1745	68	26	and	and	CCONJ
framr-1745	68	27	to	to	PART
framr-1745	68	28	identify	identify	VERB
framr-1745	68	29	the	the	DET
framr-1745	68	30	relative	relative	ADJ
framr-1745	68	31	risk	risk	NOUN
framr-1745	68	32	of	of	ADP
framr-1745	68	33	having	have	VERB
framr-1745	68	34	an	an	DET
framr-1745	68	35	insurance	insurance	NOUN
framr-1745	68	36	based	base	VERB
framr-1745	68	37	on	on	ADP
framr-1745	68	38	some	some	DET
framr-1745	68	39	selected	select	VERB
framr-1745	68	40	predictor	predictor	NOUN
framr-1745	68	41	variables	variable	NOUN
framr-1745	68	42	.	.	PUNCT
framr-1745	69	1	thus	thus	ADV
framr-1745	69	2	,	,	PUNCT
framr-1745	69	3	the	the	DET
framr-1745	69	4	researchers	researcher	NOUN
framr-1745	69	5	want	want	VERB
framr-1745	69	6	to	to	PART
framr-1745	69	7	solve	solve	VERB
framr-1745	69	8	the	the	DET
framr-1745	69	9	classification	classification	NOUN
framr-1745	69	10	problem	problem	NOUN
framr-1745	69	11	(	(	PUNCT
framr-1745	69	12	insured	insured	ADJ
framr-1745	69	13	or	or	CCONJ
framr-1745	69	14	not	not	PART
framr-1745	69	15	insured	insure	VERB
framr-1745	69	16	)	)	PUNCT
framr-1745	69	17	using	use	VERB
framr-1745	69	18	binary	binary	ADJ
framr-1745	69	19	logistic	logistic	ADJ
framr-1745	69	20	regression	regression	NOUN
framr-1745	69	21	modeling	modeling	NOUN
framr-1745	69	22	based	base	VERB
framr-1745	69	23	on	on	ADP
framr-1745	69	24	some	some	DET
framr-1745	69	25	selected	select	VERB
framr-1745	69	26	predictor	predictor	NOUN
framr-1745	69	27	variables	variable	NOUN
framr-1745	69	28	in	in	ADP
framr-1745	69	29	nigeria	nigeria	PROPN
framr-1745	69	30	by	by	ADP
framr-1745	69	31	estimating	estimate	VERB
framr-1745	69	32	the	the	DET
framr-1745	69	33	following	following	NOUN
framr-1745	69	34	:	:	PUNCT
framr-1745	69	35	the	the	DET
framr-1745	69	36	relative	relative	ADJ
framr-1745	69	37	risk	risk	NOUN
framr-1745	69	38	in	in	ADP
framr-1745	69	39	employment	employment	NOUN
framr-1745	69	40	status	status	NOUN
framr-1745	69	41	for	for	ADP
framr-1745	69	42	insurance	insurance	NOUN
framr-1745	69	43	cover	cover	NOUN
framr-1745	69	44	in	in	ADP
framr-1745	69	45	nigeria	nigeria	PROPN
framr-1745	69	46	with	with	ADP
framr-1745	69	47	reference	reference	NOUN
framr-1745	69	48	to	to	ADP
framr-1745	69	49	employed	employ	VERB
framr-1745	69	50	individuals	individual	NOUN
framr-1745	69	51	(	(	PUNCT
framr-1745	69	52	as	as	ADP
framr-1745	69	53	control	control	NOUN
framr-1745	69	54	level	level	NOUN
framr-1745	69	55	)	)	PUNCT
framr-1745	69	56	,	,	PUNCT
framr-1745	69	57	the	the	DET
framr-1745	69	58	relative	relative	ADJ
framr-1745	69	59	risk	risk	NOUN
framr-1745	69	60	in	in	ADP
framr-1745	69	61	education	education	NOUN
framr-1745	69	62	level	level	NOUN
framr-1745	69	63	for	for	ADP
framr-1745	69	64	insurance	insurance	NOUN
framr-1745	69	65	cover	cover	NOUN
framr-1745	69	66	in	in	ADP
framr-1745	69	67	nigeria	nigeria	PROPN
framr-1745	69	68	with	with	ADP
framr-1745	69	69	reference	reference	NOUN
framr-1745	69	70	to	to	ADP
framr-1745	69	71	no	no	DET
framr-1745	69	72	education	education	NOUN
framr-1745	69	73	individuals	individual	NOUN
framr-1745	69	74	(	(	PUNCT
framr-1745	69	75	as	as	ADP
framr-1745	69	76	control	control	NOUN
framr-1745	69	77	level	level	NOUN
framr-1745	69	78	)	)	PUNCT
framr-1745	69	79	,	,	PUNCT
framr-1745	69	80	the	the	DET
framr-1745	69	81	relative	relative	ADJ
framr-1745	69	82	risk	risk	NOUN
framr-1745	69	83	in	in	ADP
framr-1745	69	84	individual	individual	ADJ
framr-1745	69	85	age	age	NOUN
framr-1745	69	86	for	for	ADP
framr-1745	69	87	insurance	insurance	NOUN
framr-1745	69	88	cover	cover	NOUN
framr-1745	69	89	in	in	ADP
framr-1745	69	90	nigeria	nigeria	PROPN
framr-1745	69	91	.	.	PUNCT
framr-1745	70	1	section	section	NOUN
framr-1745	70	2	2	2	NUM
framr-1745	70	3	comprises	comprise	VERB
framr-1745	70	4	the	the	DET
framr-1745	70	5	materials	material	NOUN
framr-1745	70	6	and	and	CCONJ
framr-1745	70	7	method	method	NOUN
framr-1745	70	8	,	,	PUNCT
framr-1745	70	9	whereas	whereas	SCONJ
framr-1745	70	10	section	section	NOUN
framr-1745	70	11	3	3	NUM
framr-1745	70	12	is	be	AUX
framr-1745	70	13	the	the	DET
framr-1745	70	14	analysis	analysis	NOUN
framr-1745	70	15	,	,	PUNCT
framr-1745	70	16	results	result	VERB
framr-1745	70	17	output	output	NOUN
framr-1745	70	18	and	and	CCONJ
framr-1745	70	19	interpretation	interpretation	NOUN
framr-1745	70	20	.	.	PUNCT
framr-1745	71	1	sections	section	NOUN
framr-1745	71	2	4	4	NUM
framr-1745	71	3	is	be	AUX
framr-1745	71	4	the	the	DET
framr-1745	71	5	summary	summary	NOUN
framr-1745	71	6	,	,	PUNCT
framr-1745	71	7	conclusion	conclusion	NOUN
framr-1745	71	8	and	and	CCONJ
framr-1745	71	9	recommendation	recommendation	NOUN
framr-1745	71	10	.	.	PUNCT
framr-1745	72	1	2	2	X
framr-1745	72	2	.	.	X
framr-1745	72	3	materials	material	NOUN
framr-1745	72	4	and	and	CCONJ
framr-1745	72	5	method	method	NOUN
framr-1745	72	6	this	this	DET
framr-1745	72	7	section	section	NOUN
framr-1745	72	8	discusses	discuss	VERB
framr-1745	72	9	the	the	DET
framr-1745	72	10	statistical	statistical	ADJ
framr-1745	72	11	methodology	methodology	NOUN
framr-1745	72	12	used	use	VERB
framr-1745	72	13	in	in	ADP
framr-1745	72	14	this	this	DET
framr-1745	72	15	study	study	NOUN
framr-1745	72	16	.	.	PUNCT
framr-1745	73	1	2.1	2.1	NUM
framr-1745	73	2	.	.	PUNCT
framr-1745	73	3	binary	binary	PROPN
framr-1745	73	4	logistic	logistic	PROPN
framr-1745	73	5	model	model	NOUN
framr-1745	73	6	consider	consider	VERB
framr-1745	73	7	a	a	DET
framr-1745	73	8	model	model	NOUN
framr-1745	73	9	with	with	ADP
framr-1745	73	10	three	three	NUM
framr-1745	73	11	predictor	predictor	NOUN
framr-1745	73	12	variables	variable	NOUN
framr-1745	73	13	(	(	PUNCT
framr-1745	73	14	employment	employment	NOUN
framr-1745	73	15	status	status	NOUN
framr-1745	73	16	,	,	PUNCT
framr-1745	73	17	education	education	NOUN
framr-1745	73	18	level	level	NOUN
framr-1745	73	19	and	and	CCONJ
framr-1745	73	20	respondent	respondent	NOUN
framr-1745	73	21	’s	’s	PART
framr-1745	73	22	age	age	NOUN
framr-1745	73	23	)	)	PUNCT
framr-1745	73	24	,	,	PUNCT
framr-1745	73	25	1x	1x	NUM
framr-1745	73	26	2x	2x	NUM
framr-1745	73	27	,	,	PUNCT
framr-1745	73	28	3x	3x	NUM
framr-1745	73	29	,	,	PUNCT
framr-1745	73	30	and	and	CCONJ
framr-1745	73	31	one	one	NUM
framr-1745	73	32	binary	binary	NOUN
framr-1745	73	33	(	(	PUNCT
framr-1745	73	34	bernoulli	bernoulli	PROPN
framr-1745	73	35	)	)	PUNCT
framr-1745	73	36	response	response	NOUN
framr-1745	73	37	variable	variable	NOUN
framr-1745	73	38			X
framr-1745	73	39	(	(	PUNCT
framr-1745	73	40	insurance	insurance	NOUN
framr-1745	73	41	cover	cover	NOUN
framr-1745	73	42	)	)	PUNCT
framr-1745	73	43	which	which	PRON
framr-1745	73	44	we	we	PRON
framr-1745	73	45	denote	denote	VERB
framr-1745	73	46	(	(	PUNCT
framr-1745	73	47	)	)	PUNCT
framr-1745	73	48	1==	1==	NUM
framr-1745	73	49	.	.	PUNCT
framr-1745	74	1	linear	linear	PROPN
framr-1745	74	2	relationship	relationship	NOUN
framr-1745	74	3	is	be	AUX
framr-1745	74	4	assumed	assume	VERB
framr-1745	74	5	to	to	PART
framr-1745	74	6	exist	exist	VERB
framr-1745	74	7	between	between	ADP
framr-1745	74	8	the	the	DET
framr-1745	74	9	predictor	predictor	NOUN
framr-1745	74	10	variables	variable	NOUN
framr-1745	74	11	and	and	CCONJ
framr-1745	74	12	the	the	DET
framr-1745	74	13	log	log	NOUN
framr-1745	74	14	-	-	PUNCT
framr-1745	74	15	odds	odd	NOUN
framr-1745	74	16	(	(	PUNCT
framr-1745	74	17	also	also	ADV
framr-1745	74	18	called	call	VERB
framr-1745	74	19	logit	logit	NOUN
framr-1745	74	20	)	)	PUNCT
framr-1745	74	21	of	of	ADP
framr-1745	74	22	the	the	DET
framr-1745	74	23	response	response	NOUN
framr-1745	74	24	.	.	PUNCT
framr-1745	75	1	this	this	DET
framr-1745	75	2	linear	linear	ADJ
framr-1745	75	3	relationship	relationship	NOUN
framr-1745	75	4	can	can	AUX
framr-1745	75	5	be	be	AUX
framr-1745	75	6	written	write	VERB
framr-1745	75	7	in	in	ADP
framr-1745	75	8	the	the	DET
framr-1745	75	9	following	following	ADJ
framr-1745	75	10	mathematical	mathematical	ADJ
framr-1745	75	11	form	form	NOUN
framr-1745	75	12	as	as	SCONJ
framr-1745	75	13	expressed	express	VERB
framr-1745	75	14	in	in	ADP
framr-1745	75	15	equation	equation	NOUN
framr-1745	75	16	1	1	NUM
framr-1745	75	17	(	(	PUNCT
framr-1745	75	18	where	where	SCONJ
framr-1745	75	19			NOUN
framr-1745	75	20	is	be	AUX
framr-1745	75	21	the	the	DET
framr-1745	75	22	log	log	NOUN
framr-1745	75	23	-	-	PUNCT
framr-1745	75	24	odds	odd	NOUN
framr-1745	75	25	,	,	PUNCT
framr-1745	75	26	b	b	NOUN
framr-1745	75	27	is	be	AUX
framr-1745	75	28	the	the	DET
framr-1745	75	29	base	base	NOUN
framr-1745	75	30	of	of	ADP
framr-1745	75	31	the	the	DET
framr-1745	75	32	logarithm	logarithm	NOUN
framr-1745	75	33	,	,	PUNCT
framr-1745	75	34	and	and	CCONJ
framr-1745	75	35	i	i	PRON
framr-1745	75	36			PROPN
framr-1745	75	37	are	be	AUX
framr-1745	75	38	parameters	parameter	NOUN
framr-1745	75	39	of	of	ADP
framr-1745	75	40	the	the	DET
framr-1745	75	41	model	model	NOUN
framr-1745	75	42	):	):	PUNCT
framr-1745	75	43			X
framr-1745	75	44	=	=	PUNCT
framr-1745	76	1	+	+	PUNCT
framr-1745	76	2	=	=	SYM
framr-1745	76	3	−	−	NOUN
framr-1745	76	4	=	=	SYM
framr-1745	76	5	3	3	NUM
framr-1745	76	6	1	1	NUM
framr-1745	76	7	0	0	NUM
framr-1745	76	8	1	1	NUM
framr-1745	76	9	log	log	NOUN
framr-1745	76	10	i	i	PRON
framr-1745	76	11	iib	iib	NOUN
framr-1745	76	12	x	x	PUNCT
framr-1745	77	1			PROPN
framr-1745	77	2			ADJ
framr-1745	77	3			NOUN
framr-1745	77	4	(	(	PUNCT
framr-1745	77	5	1	1	X
framr-1745	77	6	)	)	PUNCT
framr-1745	77	7	exponentiating	exponentiate	VERB
framr-1745	77	8	the	the	DET
framr-1745	77	9	log	log	NOUN
framr-1745	77	10	-	-	PUNCT
framr-1745	77	11	odds	odd	NOUN
framr-1745	77	12	gives	give	VERB
framr-1745	77	13	the	the	DET
framr-1745	77	14	odds	odd	NOUN
framr-1745	77	15	ratio	ratio	NOUN
framr-1745	77	16	or	or	CCONJ
framr-1745	77	17	relative	relative	ADJ
framr-1745	77	18	risk	risk	NOUN
framr-1745	77	19	:	:	PUNCT
framr-1745	77	20	in	in	ADP
framr-1745	77	21	equation	equation	NOUN
framr-1745	77	22	2	2	NUM
framr-1745	77	23			PROPN
framr-1745	77	24			PROPN
framr-1745	77	25			NOUN
framr-1745	78	1			PROPN
framr-1745	78	2			PROPN
framr-1745	78	3			PROPN
framr-1745	79	1			PROPN
framr-1745	79	2			NOUN
framr-1745	79	3			X
framr-1745	80	1	=	=	PUNCT
framr-1745	81	1	+	+	PUNCT
framr-1745	81	2	=	=	SYM
framr-1745	81	3	−	−	PROPN
framr-1745	81	4	3	3	NUM
framr-1745	81	5	1	1	NUM
framr-1745	81	6	0	0	NUM
framr-1745	81	7	1	1	NUM
framr-1745	81	8	i	i	PRON
framr-1745	81	9	i	i	INTJ
framr-1745	81	10	x	x	VERB
framr-1745	82	1	i	i	NOUN
framr-1745	82	2	b	b	NUM
framr-1745	82	3			NOUN
framr-1745	82	4			PROPN
framr-1745	82	5			PROPN
framr-1745	82	6	(	(	PUNCT
framr-1745	82	7	2	2	NUM
framr-1745	82	8	)	)	PUNCT
framr-1745	82	9	by	by	ADP
framr-1745	82	10	simple	simple	ADJ
framr-1745	82	11	algebraic	algebraic	ADJ
framr-1745	82	12	manipulation	manipulation	NOUN
framr-1745	82	13	,	,	PUNCT
framr-1745	82	14	dividing	divide	VERB
framr-1745	82	15	numerator	numerator	NOUN
framr-1745	82	16	and	and	CCONJ
framr-1745	82	17	denominator	denominator	NOUN
framr-1745	82	18	by	by	ADP
framr-1745	82	19			PROPN
framr-1745	82	20			PROPN
framr-1745	82	21			PROPN
framr-1745	83	1			PROPN
framr-1745	83	2			NOUN
framr-1745	84	1			PROPN
framr-1745	85	1			PROPN
framr-1745	86	1			PROPN
framr-1745	87	1			PROPN
framr-1745	87	2			PROPN
framr-1745	88	1			PROPN
framr-1745	88	2			NOUN
framr-1745	88	3			X
framr-1745	89	1	=	=	PUNCT
framr-1745	90	1	+	+	CCONJ
framr-1745	90	2	3	3	NUM
framr-1745	90	3	1	1	NUM
framr-1745	90	4	0	0	NUM
framr-1745	91	1	i	i	PRON
framr-1745	91	2	i	i	VERB
framr-1745	91	3	x	x	VERB
framr-1745	92	1	i	i	NOUN
framr-1745	92	2	b	b	NOUN
framr-1745	92	3			NOUN
framr-1745	92	4	,	,	PUNCT
framr-1745	92	5	the	the	DET
framr-1745	92	6	probability	probability	NOUN
framr-1745	92	7	that	that	SCONJ
framr-1745	92	8	1	1	NUM
framr-1745	92	9	=	=	SYM
framr-1745	92	10	y	y	PROPN
framr-1745	92	11	is	be	AUX
framr-1745	92	12	given	give	VERB
framr-1745	92	13	in	in	ADP
framr-1745	92	14	equation	equation	NOUN
framr-1745	92	15	3	3	NUM
framr-1745	92	16	)	)	PUNCT
framr-1745	92	17	3	3	NUM
framr-1745	92	18	1	1	NUM
framr-1745	92	19	0	0	NUM
framr-1745	93	1	(	(	PUNCT
framr-1745	93	2	1	1	NUM
framr-1745	93	3	3	3	NUM
framr-1745	93	4	1	1	NUM
framr-1745	93	5	)	)	PUNCT
framr-1745	93	6	0	0	NUM
framr-1745	94	1	(	(	PUNCT
framr-1745	94	2	1	1	NUM
framr-1745	94	3	1	1	NUM
framr-1745	94	4	3	3	NUM
framr-1745	94	5	1	1	NUM
framr-1745	94	6	0	0	NUM
framr-1745	94	7	3	3	NUM
framr-1745	94	8	1	1	NUM
framr-1745	94	9	0	0	NUM
framr-1745	94	10			X
framr-1745	94	11	=	=	PUNCT
framr-1745	95	1	+	+	PUNCT
framr-1745	95	2	=	=	PROPN
framr-1745	95	3			PROPN
framr-1745	95	4			PROPN
framr-1745	95	5			PROPN
framr-1745	95	6			PROPN
framr-1745	96	1			PROPN
framr-1745	96	2			NOUN
framr-1745	97	1			PROPN
framr-1745	98	1			PROPN
framr-1745	99	1			PROPN
framr-1745	100	1			PROPN
framr-1745	101	1			PROPN
framr-1745	101	2			PROPN
framr-1745	102	1			PROPN
framr-1745	102	2			NOUN
framr-1745	102	3	+	+	CCONJ
framr-1745	102	4			X
framr-1745	103	1	=	=	PUNCT
framr-1745	104	1	+	+	NUM
framr-1745	104	2	−	−	NOUN
framr-1745	104	3	=	=	SYM
framr-1745	104	4			PROPN
framr-1745	104	5			PROPN
framr-1745	104	6			PROPN
framr-1745	104	7			PROPN
framr-1745	105	1			PROPN
framr-1745	105	2			NOUN
framr-1745	106	1			PROPN
framr-1745	107	1			PROPN
framr-1745	108	1			PROPN
framr-1745	109	1			PROPN
framr-1745	110	1			PROPN
framr-1745	110	2			PROPN
framr-1745	111	1			PROPN
framr-1745	111	2			NOUN
framr-1745	111	3	+	+	CCONJ
framr-1745	111	4			X
framr-1745	112	1	=	=	PUNCT
framr-1745	112	2	+	+	CCONJ
framr-1745	112	3			X
framr-1745	112	4	=	=	PUNCT
framr-1745	113	1	+	+	PUNCT
framr-1745	113	2	=	=	PUNCT
framr-1745	113	3			PROPN
framr-1745	113	4			PROPN
framr-1745	113	5			PROPN
framr-1745	114	1			PROPN
framr-1745	114	2			NOUN
framr-1745	115	1			PROPN
framr-1745	116	1			PROPN
framr-1745	117	1			PROPN
framr-1745	118	1			PROPN
framr-1745	118	2			PROPN
framr-1745	119	1			PROPN
framr-1745	119	2			NOUN
framr-1745	119	3			PROPN
framr-1745	120	1			PROPN
framr-1745	120	2			PROPN
framr-1745	121	1			PROPN
framr-1745	121	2			NOUN
framr-1745	122	1			PROPN
framr-1745	123	1			PROPN
framr-1745	124	1			PROPN
framr-1745	125	1			PROPN
framr-1745	126	1			PROPN
framr-1745	127	1			PROPN
framr-1745	127	2			NOUN
framr-1745	128	1	i	i	PRON
framr-1745	128	2	i	i	VERB
framr-1745	128	3	x	x	VERB
framr-1745	129	1	i	i	PRON
framr-1745	129	2	s	s	VERB
framr-1745	129	3	i	i	INTJ
framr-1745	130	1	i	i	INTJ
framr-1745	131	1	x	x	VERB
framr-1745	132	1	i	i	PRON
framr-1745	132	2	bi	bi	VERB
framr-1745	133	1	i	i	VERB
framr-1745	133	2	x	x	PROPN
framr-1745	134	1	i	i	NOUN
framr-1745	134	2	b	b	VERB
framr-1745	135	1	i	i	PRON
framr-1745	135	2	i	i	INTJ
framr-1745	135	3	x	x	VERB
framr-1745	136	1	i	i	NOUN
framr-1745	136	2	b	b	PROPN
framr-1745	136	3	b	b	NOUN
framr-1745	136	4			ADJ
framr-1745	136	5			ADJ
framr-1745	136	6			ADJ
framr-1745	136	7			PROPN
framr-1745	136	8	(	(	PUNCT
framr-1745	136	9	3	3	NUM
framr-1745	136	10	)	)	PUNCT
framr-1745	136	11	financial	financial	ADJ
framr-1745	136	12	risk	risk	NOUN
framr-1745	136	13	and	and	CCONJ
framr-1745	136	14	management	management	NOUN
framr-1745	136	15	reviews	review	NOUN
framr-1745	136	16	,	,	PUNCT
framr-1745	136	17	2021	2021	NUM
framr-1745	136	18	,	,	PUNCT
framr-1745	136	19	7(1	7(1	NUM
framr-1745	136	20	):	):	PUNCT
framr-1745	136	21	50	50	NUM
framr-1745	136	22	-	-	SYM
framr-1745	136	23	59	59	NUM
framr-1745	136	24	53	53	NUM
framr-1745	136	25	©	©	PROPN
framr-1745	136	26	2021	2021	NUM
framr-1745	136	27	conscientia	conscientia	PROPN
framr-1745	136	28	beam	beam	PROPN
framr-1745	136	29	.	.	PUNCT
framr-1745	137	1	all	all	DET
framr-1745	137	2	rights	right	NOUN
framr-1745	137	3	reserved	reserve	VERB
framr-1745	137	4	.	.	PUNCT
framr-1745	138	1	where	where	SCONJ
framr-1745	138	2	bs	bs	PROPN
framr-1745	138	3	is	be	AUX
framr-1745	138	4	the	the	DET
framr-1745	138	5	sigmoid	sigmoid	NOUN
framr-1745	138	6	function	function	NOUN
framr-1745	138	7	with	with	ADP
framr-1745	138	8	base	base	PROPN
framr-1745	138	9	b	b	PROPN
framr-1745	138	10	(	(	PUNCT
framr-1745	138	11	usually	usually	ADV
framr-1745	138	12	taken	take	VERB
framr-1745	138	13	as	as	ADP
framr-1745	138	14	e	e	NOUN
framr-1745	138	15	)	)	PUNCT
framr-1745	138	16	are	be	AUX
framr-1745	138	17	fixed	fix	VERB
framr-1745	138	18	.	.	PUNCT
framr-1745	139	1	the	the	DET
framr-1745	139	2	above	above	ADJ
framr-1745	139	3	formula	formula	NOUN
framr-1745	139	4	shows	show	VERB
framr-1745	139	5	that	that	SCONJ
framr-1745	139	6	once	once	SCONJ
framr-1745	139	7	i	i	NOUN
framr-1745	139	8	are	be	AUX
framr-1745	139	9	fixed	fix	VERB
framr-1745	139	10	,	,	PUNCT
framr-1745	139	11	we	we	PRON
framr-1745	139	12	can	can	AUX
framr-1745	139	13	easily	easily	ADV
framr-1745	139	14	compute	compute	VERB
framr-1745	139	15	either	either	CCONJ
framr-1745	139	16	the	the	DET
framr-1745	139	17	log	log	NOUN
framr-1745	139	18	-	-	PUNCT
framr-1745	139	19	odds	odd	NOUN
framr-1745	139	20	that	that	SCONJ
framr-1745	139	21	1	1	NUM
framr-1745	139	22	=	=	SYM
framr-1745	139	23	y	y	PROPN
framr-1745	139	24	for	for	ADP
framr-1745	139	25	a	a	DET
framr-1745	139	26	given	give	VERB
framr-1745	139	27	observation	observation	NOUN
framr-1745	139	28	,	,	PUNCT
framr-1745	139	29	or	or	CCONJ
framr-1745	139	30	the	the	DET
framr-1745	139	31	probability	probability	NOUN
framr-1745	139	32	that	that	SCONJ
framr-1745	139	33	1	1	NUM
framr-1745	139	34	=	=	SYM
framr-1745	139	35	y	y	NOUN
framr-1745	139	36	.	.	PUNCT
framr-1745	140	1	this	this	DET
framr-1745	140	2	study	study	NOUN
framr-1745	140	3	is	be	AUX
framr-1745	140	4	based	base	VERB
framr-1745	140	5	on	on	ADP
framr-1745	140	6	a	a	DET
framr-1745	140	7	dataset	dataset	NOUN
framr-1745	140	8	extracted	extract	VERB
framr-1745	140	9	from	from	ADP
framr-1745	140	10	the	the	DET
framr-1745	140	11	2018	2018	NUM
framr-1745	140	12	nigerian	nigerian	ADJ
framr-1745	140	13	demographic	demographic	ADJ
framr-1745	140	14	and	and	CCONJ
framr-1745	140	15	health	health	NOUN
framr-1745	140	16	survey	survey	NOUN
framr-1745	140	17	report	report	NOUN
framr-1745	140	18	.	.	PUNCT
framr-1745	141	1	with	with	ADP
framr-1745	141	2	a	a	DET
framr-1745	141	3	total	total	NOUN
framr-1745	141	4	of	of	ADP
framr-1745	141	5	one	one	NUM
framr-1745	141	6	hundred	hundred	NUM
framr-1745	141	7	and	and	CCONJ
framr-1745	141	8	twenty	twenty	NUM
framr-1745	141	9	-	-	PUNCT
framr-1745	141	10	two	two	NUM
framr-1745	141	11	thousand	thousand	NUM
framr-1745	141	12	seven	seven	NUM
framr-1745	141	13	hundred	hundred	NUM
framr-1745	141	14	and	and	CCONJ
framr-1745	141	15	eighteen	eighteen	NUM
framr-1745	141	16	(	(	PUNCT
framr-1745	141	17	122,718	122,718	NUM
framr-1745	141	18	)	)	PUNCT
framr-1745	141	19	respondents	respondent	NOUN
framr-1745	141	20	and	and	CCONJ
framr-1745	141	21	no	no	DET
framr-1745	141	22	missing	miss	VERB
framr-1745	141	23	data	datum	NOUN
framr-1745	141	24	.	.	PUNCT
framr-1745	142	1	since	since	SCONJ
framr-1745	142	2	the	the	DET
framr-1745	142	3	outcome	outcome	NOUN
framr-1745	142	4	variable	variable	NOUN
framr-1745	142	5	is	be	AUX
framr-1745	142	6	binary	binary	ADJ
framr-1745	142	7	count	count	NOUN
framr-1745	142	8	data	datum	NOUN
framr-1745	142	9	with	with	ADP
framr-1745	142	10	some	some	DET
framr-1745	142	11	categorical	categorical	ADJ
framr-1745	142	12	predictor	predictor	NOUN
framr-1745	142	13	variables	variable	NOUN
framr-1745	142	14	,	,	PUNCT
framr-1745	142	15	binary	binary	ADJ
framr-1745	142	16	logistic	logistic	ADJ
framr-1745	142	17	model	model	NOUN
framr-1745	142	18	instead	instead	ADV
framr-1745	142	19	of	of	ADP
framr-1745	142	20	anova	anova	PROPN
framr-1745	142	21	-	-	PUNCT
framr-1745	142	22	type	type	NOUN
framr-1745	142	23	analysis	analysis	NOUN
framr-1745	142	24	is	be	AUX
framr-1745	142	25	most	most	ADV
framr-1745	142	26	suitable	suitable	ADJ
framr-1745	142	27	for	for	ADP
framr-1745	142	28	modeling	model	VERB
framr-1745	142	29	the	the	DET
framr-1745	142	30	outcome	outcome	NOUN
framr-1745	142	31	variable	variable	NOUN
framr-1745	142	32	(	(	PUNCT
framr-1745	142	33	haeil	haeil	NOUN
framr-1745	142	34	,	,	PUNCT
framr-1745	142	35	2014	2014	NUM
framr-1745	142	36	)	)	PUNCT
framr-1745	142	37	.	.	PUNCT
framr-1745	143	1	the	the	DET
framr-1745	143	2	data	data	NOUN
framr-1745	143	3	is	be	AUX
framr-1745	143	4	described	describe	VERB
framr-1745	143	5	in	in	ADP
framr-1745	143	6	table	table	NOUN
framr-1745	143	7	1	1	NUM
framr-1745	143	8	giving	give	VERB
framr-1745	143	9	the	the	DET
framr-1745	143	10	first	first	ADJ
framr-1745	143	11	–	–	PUNCT
framr-1745	143	12	ten	ten	NUM
framr-1745	143	13	rows	row	NOUN
framr-1745	143	14	because	because	SCONJ
framr-1745	143	15	the	the	DET
framr-1745	143	16	data	data	NOUN
framr-1745	143	17	is	be	AUX
framr-1745	143	18	too	too	ADV
framr-1745	143	19	large	large	ADJ
framr-1745	143	20	.	.	PUNCT
framr-1745	144	1	table-1	table-1	NUM
framr-1745	144	2	.	.	PUNCT
framr-1745	144	3	data	datum	NOUN
framr-1745	144	4	description	description	NOUN
framr-1745	144	5	.	.	PUNCT
framr-1745	145	1	s	s	X
framr-1745	145	2	/	/	SYM
framr-1745	145	3	n	n	CCONJ
framr-1745	145	4	education	education	NOUN
framr-1745	145	5	level	level	NOUN
framr-1745	145	6	employment	employment	NOUN
framr-1745	145	7	status	status	NOUN
framr-1745	145	8	age	age	NOUN
framr-1745	145	9	insurance	insurance	NOUN
framr-1745	145	10	cover	cover	VERB
framr-1745	145	11	1	1	NUM
framr-1745	145	12	4	4	NUM
framr-1745	145	13	0	0	NUM
framr-1745	145	14	16	16	NUM
framr-1745	145	15	0	0	NUM
framr-1745	145	16	2	2	NUM
framr-1745	145	17	4	4	NUM
framr-1745	145	18	0	0	NUM
framr-1745	145	19	17	17	NUM
framr-1745	145	20	1	1	NUM
framr-1745	145	21	3	3	NUM
framr-1745	145	22	4	4	NUM
framr-1745	145	23	1	1	NUM
framr-1745	145	24	16	16	NUM
framr-1745	145	25	0	0	NUM
framr-1745	145	26	4	4	NUM
framr-1745	145	27	4	4	NUM
framr-1745	145	28	0	0	NUM
framr-1745	145	29	16	16	NUM
framr-1745	145	30	0	0	NUM
framr-1745	145	31	5	5	NUM
framr-1745	145	32	3	3	NUM
framr-1745	145	33	1	1	NUM
framr-1745	145	34	16	16	NUM
framr-1745	145	35	0	0	NUM
framr-1745	145	36	6	6	NUM
framr-1745	145	37	4	4	NUM
framr-1745	145	38	1	1	NUM
framr-1745	145	39	17	17	NUM
framr-1745	145	40	0	0	NUM
framr-1745	145	41	7	7	NUM
framr-1745	145	42	4	4	NUM
framr-1745	145	43	1	1	NUM
framr-1745	145	44	17	17	NUM
framr-1745	145	45	0	0	NUM
framr-1745	145	46	8	8	NUM
framr-1745	145	47	4	4	NUM
framr-1745	145	48	1	1	NUM
framr-1745	145	49	17	17	NUM
framr-1745	145	50	0	0	NUM
framr-1745	145	51	9	9	NUM
framr-1745	145	52	4	4	NUM
framr-1745	145	53	0	0	NUM
framr-1745	145	54	17	17	NUM
framr-1745	145	55	0	0	NUM
framr-1745	145	56	10	10	NUM
framr-1745	145	57	4	4	NUM
framr-1745	145	58	0	0	NUM
framr-1745	145	59	18	18	NUM
framr-1745	145	60	0	0	NUM
framr-1745	146	1	the	the	DET
framr-1745	146	2	first	first	ADJ
framr-1745	146	3	10	10	NUM
framr-1745	146	4	rows	row	NOUN
framr-1745	146	5	of	of	ADP
framr-1745	146	6	the	the	DET
framr-1745	146	7	dataset	dataset	NOUN
framr-1745	146	8	displayed	display	VERB
framr-1745	146	9	in	in	ADP
framr-1745	146	10	table	table	NOUN
framr-1745	146	11	1	1	NUM
framr-1745	146	12	was	be	AUX
framr-1745	146	13	to	to	PART
framr-1745	146	14	enable	enable	VERB
framr-1745	146	15	description	description	NOUN
framr-1745	146	16	of	of	ADP
framr-1745	146	17	the	the	DET
framr-1745	146	18	data	datum	NOUN
framr-1745	146	19	used	use	VERB
framr-1745	146	20	for	for	ADP
framr-1745	146	21	the	the	DET
framr-1745	146	22	study	study	NOUN
framr-1745	146	23	.	.	PUNCT
framr-1745	147	1	the	the	DET
framr-1745	147	2	response	response	NOUN
framr-1745	147	3	(	(	PUNCT
framr-1745	147	4	outcome	outcome	NOUN
framr-1745	147	5	,	,	PUNCT
framr-1745	147	6	dependent	dependent	ADJ
framr-1745	147	7	)	)	PUNCT
framr-1745	147	8	variable	variable	NOUN
framr-1745	147	9	called	call	VERB
framr-1745	147	10	insurance	insurance	NOUN
framr-1745	147	11	cover	cover	NOUN
framr-1745	147	12	is	be	AUX
framr-1745	147	13	binary	binary	ADJ
framr-1745	147	14	in	in	ADP
framr-1745	147	15	nature	nature	NOUN
framr-1745	147	16	.	.	PUNCT
framr-1745	148	1	there	there	PRON
framr-1745	148	2	are	be	VERB
framr-1745	148	3	three	three	NUM
framr-1745	148	4	predictor	predictor	NOUN
framr-1745	148	5	variables	variable	NOUN
framr-1745	148	6	:	:	PUNCT
framr-1745	148	7	education	education	NOUN
framr-1745	148	8	level	level	NOUN
framr-1745	148	9	,	,	PUNCT
framr-1745	148	10	employment	employment	NOUN
framr-1745	148	11	status	status	NOUN
framr-1745	148	12	and	and	CCONJ
framr-1745	148	13	respondent	respondent	NOUN
framr-1745	148	14	’s	’s	PART
framr-1745	148	15	age	age	NOUN
framr-1745	148	16	.	.	PUNCT
framr-1745	149	1	two	two	NUM
framr-1745	149	2	of	of	ADP
framr-1745	149	3	the	the	DET
framr-1745	149	4	predictor	predictor	NOUN
framr-1745	149	5	variables	variable	NOUN
framr-1745	149	6	(	(	PUNCT
framr-1745	149	7	education	education	NOUN
framr-1745	149	8	level	level	NOUN
framr-1745	149	9	and	and	CCONJ
framr-1745	149	10	employment	employment	NOUN
framr-1745	149	11	status	status	NOUN
framr-1745	149	12	)	)	PUNCT
framr-1745	149	13	are	be	AUX
framr-1745	149	14	treated	treat	VERB
framr-1745	149	15	as	as	ADP
framr-1745	149	16	categorical	categorical	ADJ
framr-1745	149	17	variables	variable	NOUN
framr-1745	149	18	while	while	SCONJ
framr-1745	149	19	respondent	respondent	NOUN
framr-1745	149	20	’s	’s	PART
framr-1745	149	21	age	age	NOUN
framr-1745	149	22	as	as	ADP
framr-1745	149	23	continuous	continuous	ADJ
framr-1745	149	24	.	.	PUNCT
framr-1745	150	1	the	the	DET
framr-1745	150	2	variable	variable	ADJ
framr-1745	150	3	education	education	NOUN
framr-1745	150	4	level	level	NOUN
framr-1745	150	5	takes	take	VERB
framr-1745	150	6	on	on	ADP
framr-1745	150	7	the	the	DET
framr-1745	150	8	values	value	NOUN
framr-1745	150	9	1	1	NUM
framr-1745	150	10	through	through	ADP
framr-1745	150	11	4	4	NUM
framr-1745	150	12	(	(	PUNCT
framr-1745	150	13	1	1	NUM
framr-1745	150	14	=	=	NUM
framr-1745	150	15	higher	high	ADJ
framr-1745	150	16	education	education	NOUN
framr-1745	150	17	,	,	PUNCT
framr-1745	150	18	2	2	NUM
framr-1745	150	19	=	=	SYM
framr-1745	150	20	secondary	secondary	ADJ
framr-1745	150	21	school	school	NOUN
framr-1745	150	22	,	,	PUNCT
framr-1745	150	23	3=	3=	NUM
framr-1745	150	24	primary	primary	ADJ
framr-1745	150	25	school	school	NOUN
framr-1745	150	26	and	and	CCONJ
framr-1745	150	27	4	4	NUM
framr-1745	150	28	=	=	SYM
framr-1745	150	29	no	no	DET
framr-1745	150	30	education	education	NOUN
framr-1745	150	31	)	)	PUNCT
framr-1745	150	32	and	and	CCONJ
framr-1745	150	33	employment	employment	NOUN
framr-1745	150	34	status	status	NOUN
framr-1745	150	35	takes	take	VERB
framr-1745	150	36	on	on	ADP
framr-1745	150	37	the	the	DET
framr-1745	150	38	values	value	NOUN
framr-1745	150	39	0	0	NUM
framr-1745	150	40	through	through	ADP
framr-1745	150	41	1	1	NUM
framr-1745	150	42	(	(	PUNCT
framr-1745	150	43	1	1	NUM
framr-1745	150	44	=	=	NUM
framr-1745	150	45	employed	employ	VERB
framr-1745	150	46	and	and	CCONJ
framr-1745	150	47	0	0	NUM
framr-1745	150	48	=	=	SYM
framr-1745	150	49	not	not	PART
framr-1745	150	50	employed	employ	VERB
framr-1745	150	51	)	)	PUNCT
framr-1745	150	52	.	.	PUNCT
framr-1745	151	1	the	the	DET
framr-1745	151	2	response	response	NOUN
framr-1745	151	3	variable	variable	NOUN
framr-1745	151	4	takes	take	VERB
framr-1745	151	5	on	on	ADP
framr-1745	151	6	the	the	DET
framr-1745	151	7	values	value	NOUN
framr-1745	151	8	0	0	NUM
framr-1745	151	9	through	through	ADP
framr-1745	151	10	1	1	NUM
framr-1745	151	11	(	(	PUNCT
framr-1745	151	12	1	1	NUM
framr-1745	151	13	=	=	NOUN
framr-1745	151	14	insured	insure	VERB
framr-1745	151	15	and	and	CCONJ
framr-1745	151	16	0	0	NUM
framr-1745	151	17	=	=	PUNCT
framr-1745	151	18	not	not	PART
framr-1745	151	19	insured	insure	VERB
framr-1745	151	20	)	)	PUNCT
framr-1745	151	21	.	.	PUNCT
framr-1745	152	1	the	the	DET
framr-1745	152	2	basic	basic	ADJ
framr-1745	152	3	descriptive	descriptive	ADJ
framr-1745	152	4	statistics	statistic	NOUN
framr-1745	152	5	of	of	ADP
framr-1745	152	6	the	the	DET
framr-1745	152	7	data	datum	NOUN
framr-1745	152	8	is	be	AUX
framr-1745	152	9	displayed	display	VERB
framr-1745	152	10	in	in	ADP
framr-1745	152	11	table	table	NOUN
framr-1745	152	12	2	2	NUM
framr-1745	152	13	.	.	SYM
framr-1745	152	14	3	3	NUM
framr-1745	152	15	.	.	X
framr-1745	152	16	data	datum	NOUN
framr-1745	152	17	analysis	analysis	NOUN
framr-1745	152	18	,	,	PUNCT
framr-1745	152	19	results	result	NOUN
framr-1745	152	20	and	and	CCONJ
framr-1745	152	21	discussion	discussion	NOUN
framr-1745	152	22	the	the	DET
framr-1745	152	23	dataset	dataset	NOUN
framr-1745	152	24	is	be	AUX
framr-1745	152	25	analyzed	analyze	VERB
framr-1745	152	26	using	use	VERB
framr-1745	152	27	r	r	NOUN
framr-1745	152	28	programming	programming	NOUN
framr-1745	152	29	software	software	NOUN
framr-1745	152	30	,	,	PUNCT
framr-1745	152	31	version	version	NOUN
framr-1745	152	32	4.10	4.10	NUM
framr-1745	152	33	and	and	CCONJ
framr-1745	152	34	the	the	DET
framr-1745	152	35	results	result	NOUN
framr-1745	152	36	are	be	AUX
framr-1745	152	37	displayed	display	VERB
framr-1745	152	38	in	in	ADP
framr-1745	152	39	tables	table	NOUN
framr-1745	152	40	and	and	CCONJ
framr-1745	152	41	figures	figure	NOUN
framr-1745	152	42	below	below	ADV
framr-1745	152	43	.	.	PUNCT
framr-1745	153	1	table-2	table-2	X
framr-1745	153	2	.	.	PUNCT
framr-1745	153	3	descriptive	descriptive	ADJ
framr-1745	153	4	statistics	statistic	NOUN
framr-1745	153	5	.	.	PUNCT
framr-1745	154	1	education	education	NOUN
framr-1745	154	2	level	level	NOUN
framr-1745	154	3	employment	employment	NOUN
framr-1745	154	4	status	status	NOUN
framr-1745	154	5	age	age	NOUN
framr-1745	154	6	insurance	insurance	NOUN
framr-1745	154	7	cover	cover	NOUN
framr-1745	154	8	mean	mean	NOUN
framr-1745	154	9	35.88115843	35.88115843	NUM
framr-1745	154	10	standard	standard	ADJ
framr-1745	154	11	error	error	NOUN
framr-1745	154	12	0.022618605	0.022618605	NUM
framr-1745	154	13	median	median	NOUN
framr-1745	154	14	36	36	NUM
framr-1745	154	15	mode	mode	NOUN
framr-1745	154	16	35	35	NUM
framr-1745	154	17	standard	standard	ADJ
framr-1745	154	18	deviation	deviation	NOUN
framr-1745	154	19	7.92355258	7.92355258	NUM
framr-1745	154	20	sample	sample	NOUN
framr-1745	154	21	variance	variance	NOUN
framr-1745	154	22	62.78268548	62.78268548	NUM
framr-1745	154	23	maximum	maximum	ADJ
framr-1745	154	24	4	4	NUM
framr-1745	154	25	1	1	NUM
framr-1745	154	26	49	49	NUM
framr-1745	154	27	1	1	NUM
framr-1745	154	28	minimum	minimum	NOUN
framr-1745	154	29	1	1	NUM
framr-1745	154	30	0	0	NUM
framr-1745	154	31	15	15	NUM
framr-1745	154	32	0	0	NUM
framr-1745	154	33	count	count	VERB
framr-1745	154	34	122718	122718	NUM
framr-1745	154	35	122718	122718	NUM
framr-1745	154	36	122718	122718	NUM
framr-1745	154	37	122718	122718	NUM
framr-1745	154	38	iqr	iqr	PROPN
framr-1745	154	39	12	12	NUM
framr-1745	154	40	https://en.wikipedia.org/wiki/sigmoid_function	https://en.wikipedia.org/wiki/sigmoid_function	NOUN
framr-1745	154	41	financial	financial	ADJ
framr-1745	154	42	risk	risk	NOUN
framr-1745	154	43	and	and	CCONJ
framr-1745	154	44	management	management	NOUN
framr-1745	154	45	reviews	review	NOUN
framr-1745	154	46	,	,	PUNCT
framr-1745	154	47	2021	2021	NUM
framr-1745	154	48	,	,	PUNCT
framr-1745	154	49	7(1	7(1	NUM
framr-1745	154	50	):	):	PUNCT
framr-1745	154	51	50	50	NUM
framr-1745	154	52	-	-	SYM
framr-1745	154	53	59	59	NUM
framr-1745	154	54	54	54	NUM
framr-1745	154	55	©	©	PROPN
framr-1745	154	56	2021	2021	NUM
framr-1745	154	57	conscientia	conscientia	PROPN
framr-1745	154	58	beam	beam	PROPN
framr-1745	154	59	.	.	PUNCT
framr-1745	155	1	all	all	DET
framr-1745	155	2	rights	right	NOUN
framr-1745	155	3	reserved	reserve	VERB
framr-1745	155	4	.	.	PUNCT
framr-1745	156	1	3.1	3.1	NUM
framr-1745	156	2	.	.	PUNCT
framr-1745	156	3	results	result	NOUN
framr-1745	156	4	and	and	CCONJ
framr-1745	156	5	discussion	discussion	VERB
framr-1745	156	6	the	the	DET
framr-1745	156	7	minimum	minimum	NOUN
framr-1745	156	8	,	,	PUNCT
framr-1745	156	9	median	median	ADJ
framr-1745	156	10	,	,	PUNCT
framr-1745	156	11	mean	mean	ADJ
framr-1745	156	12	and	and	CCONJ
framr-1745	156	13	maximum	maximum	ADJ
framr-1745	156	14	age	age	NOUN
framr-1745	156	15	of	of	ADP
framr-1745	156	16	the	the	DET
framr-1745	156	17	respondents	respondent	NOUN
framr-1745	156	18	were	be	AUX
framr-1745	156	19	15	15	NUM
framr-1745	156	20	years	year	NOUN
framr-1745	156	21	,	,	PUNCT
framr-1745	156	22	36	36	NUM
framr-1745	156	23	years	year	NOUN
framr-1745	156	24	,	,	PUNCT
framr-1745	156	25	36	36	NUM
framr-1745	156	26	years	year	NOUN
framr-1745	156	27	and	and	CCONJ
framr-1745	156	28	49	49	NUM
framr-1745	156	29	years	year	NOUN
framr-1745	156	30	as	as	SCONJ
framr-1745	156	31	shown	show	VERB
framr-1745	156	32	in	in	ADP
framr-1745	156	33	table	table	NOUN
framr-1745	156	34	2	2	NUM
framr-1745	156	35	.	.	PUNCT
framr-1745	156	36	to	to	PART
framr-1745	156	37	further	far	ADV
framr-1745	156	38	understand	understand	VERB
framr-1745	156	39	the	the	DET
framr-1745	156	40	nature	nature	NOUN
framr-1745	156	41	of	of	ADP
framr-1745	156	42	the	the	DET
framr-1745	156	43	dataset	dataset	NOUN
framr-1745	156	44	,	,	PUNCT
framr-1745	156	45	cross	cross	NOUN
framr-1745	156	46	tabulation	tabulation	NOUN
framr-1745	156	47	of	of	ADP
framr-1745	156	48	the	the	DET
framr-1745	156	49	categorical	categorical	ADJ
framr-1745	156	50	predictor	predictor	NOUN
framr-1745	156	51	variables	variable	NOUN
framr-1745	156	52	with	with	ADP
framr-1745	156	53	the	the	DET
framr-1745	156	54	response	response	NOUN
framr-1745	156	55	variable	variable	NOUN
framr-1745	156	56	is	be	AUX
framr-1745	156	57	displayed	display	VERB
framr-1745	156	58	in	in	ADP
framr-1745	156	59	table	table	NOUN
framr-1745	156	60	3	3	NUM
framr-1745	156	61	.	.	X
framr-1745	157	1	table-3	table-3	NUM
framr-1745	157	2	.	.	PUNCT
framr-1745	158	1	cross	cross	PROPN
framr-1745	158	2	tabulation	tabulation	NOUN
framr-1745	158	3	.	.	PUNCT
framr-1745	159	1	not	not	PART
framr-1745	159	2	employed	employ	VERB
framr-1745	159	3	employed	employ	VERB
framr-1745	159	4	education	education	NOUN
framr-1745	159	5	level	level	NOUN
framr-1745	159	6	not	not	PART
framr-1745	159	7	insured	insure	VERB
framr-1745	159	8	insured	insured	ADJ
framr-1745	159	9	total	total	NOUN
framr-1745	159	10	not	not	PART
framr-1745	159	11	insured	insure	VERB
framr-1745	159	12	insured	insure	VERB
framr-1745	159	13	total	total	ADJ
framr-1745	159	14	grand	grand	ADJ
framr-1745	159	15	total	total	NOUN
framr-1745	159	16	higher	high	ADJ
framr-1745	159	17	education	education	NOUN
framr-1745	159	18	984	984	NUM
framr-1745	159	19	132	132	NUM
framr-1745	159	20	1,116	1,116	NUM
framr-1745	159	21	5,328	5,328	NUM
framr-1745	159	22	1,125	1,125	NUM
framr-1745	159	23	6,453	6,453	NUM
framr-1745	159	24	7,569	7,569	NUM
framr-1745	159	25	secondary	secondary	ADJ
framr-1745	159	26	school	school	NOUN
framr-1745	159	27	4,854	4,854	NUM
framr-1745	159	28	210	210	NUM
framr-1745	159	29	5,064	5,064	NUM
framr-1745	159	30	22,736	22,736	NUM
framr-1745	159	31	633	633	NUM
framr-1745	159	32	23,369	23,369	NUM
framr-1745	159	33	28,433	28,433	NUM
framr-1745	159	34	primary	primary	ADJ
framr-1745	159	35	school	school	NOUN
framr-1745	159	36	3,899	3,899	NUM
framr-1745	159	37	76	76	NUM
framr-1745	159	38	3,975	3,975	NUM
framr-1745	159	39	19,768	19,768	NUM
framr-1745	159	40	144	144	NUM
framr-1745	159	41	19,912	19,912	NUM
framr-1745	159	42	23,887	23,887	NUM
framr-1745	159	43	no	no	DET
framr-1745	159	44	education	education	NOUN
framr-1745	159	45	22,082	22,082	NUM
framr-1745	159	46	211	211	NUM
framr-1745	159	47	22,293	22,293	NUM
framr-1745	159	48	40,183	40,183	NUM
framr-1745	159	49	353	353	NUM
framr-1745	159	50	40,536	40,536	NUM
framr-1745	159	51	62,829	62,829	NUM
framr-1745	159	52	grand	grand	ADJ
framr-1745	159	53	total	total	NOUN
framr-1745	159	54	31,819	31,819	NUM
framr-1745	159	55	629	629	NUM
framr-1745	159	56	32,448	32,448	NUM
framr-1745	159	57	88,015	88,015	NUM
framr-1745	159	58	2,255	2,255	NUM
framr-1745	159	59	90,270	90,270	NUM
framr-1745	159	60	122,718	122,718	NUM
framr-1745	159	61	from	from	ADP
framr-1745	159	62	table	table	NOUN
framr-1745	159	63	3	3	NUM
framr-1745	159	64	,	,	PUNCT
framr-1745	159	65	out	out	ADP
framr-1745	159	66	of	of	ADP
framr-1745	159	67	the	the	DET
framr-1745	159	68	total	total	ADJ
framr-1745	159	69	122,718	122,718	NUM
framr-1745	159	70	respondents	respondent	NOUN
framr-1745	159	71	whose	whose	DET
framr-1745	159	72	responses	response	NOUN
framr-1745	159	73	were	be	AUX
framr-1745	159	74	used	use	VERB
framr-1745	159	75	for	for	ADP
framr-1745	159	76	this	this	DET
framr-1745	159	77	study	study	NOUN
framr-1745	159	78	,	,	PUNCT
framr-1745	159	79	26	26	NUM
framr-1745	159	80	%	%	NOUN
framr-1745	159	81	(	(	PUNCT
framr-1745	159	82	32,448	32,448	NUM
framr-1745	159	83	)	)	PUNCT
framr-1745	159	84	were	be	AUX
framr-1745	159	85	unemployed	unemployed	ADJ
framr-1745	159	86	while	while	SCONJ
framr-1745	159	87	74	74	NUM
framr-1745	159	88	%	%	NOUN
framr-1745	159	89	(	(	PUNCT
framr-1745	159	90	90,270	90,270	NUM
framr-1745	159	91	)	)	PUNCT
framr-1745	159	92	were	be	AUX
framr-1745	159	93	employed	employ	VERB
framr-1745	159	94	.	.	PUNCT
framr-1745	160	1	out	out	ADP
framr-1745	160	2	of	of	ADP
framr-1745	160	3	the	the	DET
framr-1745	160	4	26	26	NUM
framr-1745	160	5	%	%	NOUN
framr-1745	160	6	that	that	PRON
framr-1745	160	7	were	be	AUX
framr-1745	160	8	unemployed	unemployed	ADJ
framr-1745	160	9	,	,	PUNCT
framr-1745	160	10	98.1	98.1	NUM
framr-1745	160	11	%	%	NOUN
framr-1745	160	12	(	(	PUNCT
framr-1745	160	13	31,819	31,819	NUM
framr-1745	160	14	)	)	PUNCT
framr-1745	160	15	were	be	AUX
framr-1745	160	16	also	also	ADV
framr-1745	160	17	not	not	PART
framr-1745	160	18	insured	insure	VERB
framr-1745	160	19	and	and	CCONJ
framr-1745	160	20	1.9	1.9	NUM
framr-1745	160	21	%	%	NOUN
framr-1745	160	22	(	(	PUNCT
framr-1745	160	23	629	629	NUM
framr-1745	160	24	)	)	PUNCT
framr-1745	160	25	was	be	AUX
framr-1745	160	26	insured	insure	VERB
framr-1745	160	27	.	.	PUNCT
framr-1745	161	1	on	on	ADP
framr-1745	161	2	the	the	DET
framr-1745	161	3	other	other	ADJ
framr-1745	161	4	hand	hand	NOUN
framr-1745	161	5	,	,	PUNCT
framr-1745	161	6	out	out	ADP
framr-1745	161	7	of	of	ADP
framr-1745	161	8	the	the	DET
framr-1745	161	9	74	74	NUM
framr-1745	161	10	%	%	NOUN
framr-1745	161	11	that	that	PRON
framr-1745	161	12	were	be	AUX
framr-1745	161	13	employed	employ	VERB
framr-1745	161	14	,	,	PUNCT
framr-1745	161	15	97.5	97.5	NUM
framr-1745	161	16	%	%	NOUN
framr-1745	161	17	(	(	PUNCT
framr-1745	161	18	88,015	88,015	NUM
framr-1745	161	19	)	)	PUNCT
framr-1745	161	20	were	be	AUX
framr-1745	161	21	not	not	PART
framr-1745	161	22	insured	insure	VERB
framr-1745	161	23	and	and	CCONJ
framr-1745	161	24	2.5	2.5	NUM
framr-1745	161	25	%	%	NOUN
framr-1745	161	26	(	(	PUNCT
framr-1745	161	27	2,255	2,255	NUM
framr-1745	161	28	)	)	PUNCT
framr-1745	161	29	were	be	AUX
framr-1745	161	30	insured	insure	VERB
framr-1745	161	31	.	.	PUNCT
framr-1745	162	1	this	this	PRON
framr-1745	162	2	has	have	AUX
framr-1745	162	3	reassured	reassure	VERB
framr-1745	162	4	that	that	SCONJ
framr-1745	162	5	employment	employment	NOUN
framr-1745	162	6	status	status	NOUN
framr-1745	162	7	can	can	AUX
framr-1745	162	8	explain	explain	VERB
framr-1745	162	9	some	some	DET
framr-1745	162	10	level	level	NOUN
framr-1745	162	11	of	of	ADP
framr-1745	162	12	information	information	NOUN
framr-1745	162	13	about	about	ADP
framr-1745	162	14	insurance	insurance	NOUN
framr-1745	162	15	cover	cover	NOUN
framr-1745	162	16	in	in	ADP
framr-1745	162	17	nigeria	nigeria	PROPN
framr-1745	162	18	since	since	SCONJ
framr-1745	162	19	being	be	AUX
framr-1745	162	20	employed	employ	VERB
framr-1745	162	21	increased	increase	VERB
framr-1745	162	22	the	the	DET
framr-1745	162	23	percentage	percentage	NOUN
framr-1745	162	24	insured	insure	VERB
framr-1745	162	25	by	by	ADP
framr-1745	162	26	0.6	0.6	NUM
framr-1745	162	27	%	%	NOUN
framr-1745	162	28	(	(	PUNCT
framr-1745	162	29	2.5	2.5	NUM
framr-1745	162	30	%	%	NOUN
framr-1745	162	31	1.9	1.9	NUM
framr-1745	162	32	%	%	NOUN
framr-1745	162	33	=	=	NOUN
framr-1745	162	34	0.6	0.6	NUM
framr-1745	162	35	%	%	NOUN
framr-1745	162	36	)	)	PUNCT
framr-1745	162	37	.	.	PUNCT
framr-1745	163	1	again	again	ADV
framr-1745	163	2	,	,	PUNCT
framr-1745	163	3	out	out	ADP
framr-1745	163	4	of	of	ADP
framr-1745	163	5	the	the	DET
framr-1745	163	6	2.5	2.5	NUM
framr-1745	163	7	%	%	NOUN
framr-1745	163	8	(	(	PUNCT
framr-1745	163	9	2,255	2,255	NUM
framr-1745	163	10	)	)	PUNCT
framr-1745	163	11	that	that	PRON
framr-1745	163	12	were	be	AUX
framr-1745	163	13	employed	employ	VERB
framr-1745	163	14	and	and	CCONJ
framr-1745	163	15	insured	insure	VERB
framr-1745	163	16	,	,	PUNCT
framr-1745	163	17	the	the	DET
framr-1745	163	18	percentage	percentage	NOUN
framr-1745	163	19	of	of	ADP
framr-1745	163	20	people	people	NOUN
framr-1745	163	21	with	with	ADP
framr-1745	163	22	higher	high	ADJ
framr-1745	163	23	education	education	NOUN
framr-1745	163	24	was	be	AUX
framr-1745	163	25	50	50	NUM
framr-1745	163	26	%	%	NOUN
framr-1745	163	27	,	,	PUNCT
framr-1745	163	28	secondary	secondary	ADJ
framr-1745	163	29	school	school	NOUN
framr-1745	163	30	was	be	AUX
framr-1745	163	31	28	28	NUM
framr-1745	163	32	%	%	NOUN
framr-1745	163	33	,	,	PUNCT
framr-1745	163	34	primary	primary	ADJ
framr-1745	163	35	school	school	NOUN
framr-1745	163	36	was	be	AUX
framr-1745	163	37	6	6	NUM
framr-1745	163	38	%	%	NOUN
framr-1745	163	39	while	while	NOUN
framr-1745	163	40	with	with	SCONJ
framr-1745	163	41	no	no	DET
framr-1745	163	42	formal	formal	ADJ
framr-1745	163	43	education	education	NOUN
framr-1745	163	44	was	be	AUX
framr-1745	163	45	16	16	NUM
framr-1745	163	46	%	%	NOUN
framr-1745	163	47	.	.	PUNCT
framr-1745	164	1	this	this	PRON
framr-1745	164	2	is	be	AUX
framr-1745	164	3	an	an	DET
framr-1745	164	4	indication	indication	NOUN
framr-1745	164	5	that	that	SCONJ
framr-1745	164	6	education	education	NOUN
framr-1745	164	7	interacts	interact	VERB
framr-1745	164	8	with	with	ADP
framr-1745	164	9	employment	employment	NOUN
framr-1745	164	10	status	status	NOUN
framr-1745	164	11	to	to	PART
framr-1745	164	12	predict	predict	VERB
framr-1745	164	13	the	the	DET
framr-1745	164	14	likelihood	likelihood	NOUN
framr-1745	164	15	of	of	ADP
framr-1745	164	16	being	be	AUX
framr-1745	164	17	insured	insure	VERB
framr-1745	164	18	in	in	ADP
framr-1745	164	19	nigeria	nigeria	PROPN
framr-1745	164	20	.	.	PUNCT
framr-1745	165	1	as	as	ADP
framr-1745	165	2	a	a	DET
framr-1745	165	3	way	way	NOUN
framr-1745	165	4	of	of	ADP
framr-1745	165	5	data	datum	NOUN
framr-1745	165	6	screening	screen	VERB
framr-1745	165	7	to	to	PART
framr-1745	165	8	avoid	avoid	VERB
framr-1745	165	9	misclassification	misclassification	NOUN
framr-1745	165	10	,	,	PUNCT
framr-1745	165	11	the	the	DET
framr-1745	165	12	boxplot	boxplot	NOUN
framr-1745	165	13	was	be	AUX
framr-1745	165	14	used	use	VERB
framr-1745	165	15	to	to	PART
framr-1745	165	16	check	check	VERB
framr-1745	165	17	the	the	DET
framr-1745	165	18	presence	presence	NOUN
framr-1745	165	19	of	of	ADP
framr-1745	165	20	outlier	outlier	NOUN
framr-1745	165	21	in	in	ADP
framr-1745	165	22	the	the	DET
framr-1745	165	23	numerical	numerical	PROPN
framr-1745	165	24	predictor	predictor	PROPN
framr-1745	165	25	variable	variable	NOUN
framr-1745	165	26	(	(	PUNCT
framr-1745	165	27	age	age	NOUN
framr-1745	165	28	)	)	PUNCT
framr-1745	165	29	and	and	CCONJ
framr-1745	165	30	the	the	DET
framr-1745	165	31	output	output	NOUN
framr-1745	165	32	is	be	AUX
framr-1745	165	33	shown	show	VERB
framr-1745	165	34	in	in	ADP
framr-1745	165	35	figure	figure	NOUN
framr-1745	165	36	1	1	NUM
framr-1745	165	37	.	.	PUNCT
framr-1745	166	1	no	no	DET
framr-1745	166	2	presence	presence	NOUN
framr-1745	166	3	of	of	ADP
framr-1745	166	4	outlier	outlier	NOUN
framr-1745	166	5	in	in	ADP
framr-1745	166	6	the	the	DET
framr-1745	166	7	variable	variable	NOUN
framr-1745	166	8	since	since	SCONJ
framr-1745	166	9	none	none	NOUN
framr-1745	166	10	of	of	ADP
framr-1745	166	11	the	the	DET
framr-1745	166	12	data	data	NOUN
framr-1745	166	13	points	point	NOUN
framr-1745	166	14	fall	fall	VERB
framr-1745	166	15	outside	outside	ADP
framr-1745	166	16	the	the	DET
framr-1745	166	17	lower	low	ADJ
framr-1745	166	18	and	and	CCONJ
framr-1745	166	19	upper	upper	ADJ
framr-1745	166	20	whiskers	whisker	NOUN
framr-1745	166	21	.	.	PUNCT
framr-1745	167	1	figure-1	figure-1	NOUN
framr-1745	167	2	.	.	PUNCT
framr-1745	167	3	outlier	outlier	NOUN
framr-1745	167	4	detection	detection	NOUN
framr-1745	167	5	by	by	ADP
framr-1745	167	6	box	box	NOUN
framr-1745	167	7	and	and	CCONJ
framr-1745	167	8	whiskers	whisker	NOUN
framr-1745	167	9	plot	plot	VERB
framr-1745	167	10	.	.	PUNCT
framr-1745	168	1	having	having	AUX
framr-1745	168	2	visualized	visualize	VERB
framr-1745	168	3	the	the	DET
framr-1745	168	4	dataset	dataset	NOUN
framr-1745	168	5	,	,	PUNCT
framr-1745	168	6	we	we	PRON
framr-1745	168	7	proceed	proceed	VERB
framr-1745	168	8	with	with	ADP
framr-1745	168	9	the	the	DET
framr-1745	168	10	logistic	logistic	ADJ
framr-1745	168	11	modeling	modeling	NOUN
framr-1745	168	12	using	use	VERB
framr-1745	168	13	the	the	DET
framr-1745	168	14	variables	variable	NOUN
framr-1745	168	15	as	as	SCONJ
framr-1745	168	16	described	describe	VERB
framr-1745	168	17	.	.	PUNCT
framr-1745	169	1	the	the	DET
framr-1745	169	2	output	output	NOUN
framr-1745	169	3	of	of	ADP
framr-1745	169	4	the	the	DET
framr-1745	169	5	logistic	logistic	ADJ
framr-1745	169	6	model	model	NOUN
framr-1745	169	7	is	be	AUX
framr-1745	169	8	displayed	display	VERB
framr-1745	169	9	in	in	ADP
framr-1745	169	10	table	table	NOUN
framr-1745	169	11	4	4	NUM
framr-1745	169	12	.	.	PUNCT
framr-1745	170	1	the	the	DET
framr-1745	170	2	output	output	NOUN
framr-1745	170	3	in	in	ADP
framr-1745	170	4	table	table	NOUN
framr-1745	170	5	4	4	NUM
framr-1745	170	6	as	as	SCONJ
framr-1745	170	7	generated	generate	VERB
framr-1745	170	8	by	by	ADP
framr-1745	170	9	using	use	VERB
framr-1745	170	10	the	the	DET
framr-1745	170	11	glm	glm	NOUN
framr-1745	170	12	(	(	PUNCT
framr-1745	170	13	)	)	PUNCT
framr-1745	170	14	function	function	NOUN
framr-1745	170	15	of	of	ADP
framr-1745	170	16	the	the	DET
framr-1745	170	17	r	r	NOUN
framr-1745	170	18	console	console	NOUN
framr-1745	170	19	with	with	ADP
framr-1745	170	20	family	family	NOUN
framr-1745	170	21	set	set	VERB
framr-1745	170	22	as	as	ADP
framr-1745	170	23	“	"	PUNCT
framr-1745	170	24	binomial	binomial	ADJ
framr-1745	170	25	”	"	PUNCT
framr-1745	170	26	to	to	PART
framr-1745	170	27	implement	implement	VERB
framr-1745	170	28	equation	equation	NOUN
framr-1745	170	29	1	1	NUM
framr-1745	170	30	contains	contain	VERB
framr-1745	170	31	the	the	DET
framr-1745	170	32	regression	regression	NOUN
framr-1745	170	33	coefficients	coefficient	NOUN
framr-1745	170	34	,	,	PUNCT
framr-1745	170	35	their	their	PRON
framr-1745	170	36	standard	standard	ADJ
framr-1745	170	37	errors	error	NOUN
framr-1745	170	38	,	,	PUNCT
framr-1745	170	39	the	the	DET
framr-1745	170	40	z	z	NOUN
framr-1745	170	41	-	-	PUNCT
framr-1745	170	42	statistic	statistic	ADJ
framr-1745	170	43	value	value	NOUN
framr-1745	170	44	and	and	CCONJ
framr-1745	170	45	the	the	DET
framr-1745	170	46	corresponding	correspond	VERB
framr-1745	170	47	p	p	NOUN
framr-1745	170	48	-	-	PUNCT
framr-1745	170	49	values	value	NOUN
framr-1745	170	50	.	.	PUNCT
framr-1745	171	1	age	age	NOUN
framr-1745	171	2	,	,	PUNCT
framr-1745	171	3	employment	employment	NOUN
framr-1745	171	4	status	status	NOUN
framr-1745	171	5	and	and	CCONJ
framr-1745	171	6	two	two	NUM
framr-1745	171	7	levels	level	NOUN
framr-1745	171	8	of	of	ADP
framr-1745	171	9	education	education	NOUN
framr-1745	171	10	level	level	NOUN
framr-1745	171	11	are	be	AUX
framr-1745	171	12	statistically	statistically	ADV
framr-1745	171	13	significant	significant	ADJ
framr-1745	171	14	(	(	PUNCT
framr-1745	171	15	their	their	PRON
framr-1745	171	16	corresponding	corresponding	ADJ
framr-1745	171	17	p	p	NOUN
framr-1745	171	18	-	-	PUNCT
framr-1745	171	19	values	value	NOUN
framr-1745	171	20	are	be	AUX
framr-1745	171	21	less	less	ADJ
framr-1745	171	22	than	than	ADP
framr-1745	171	23	alpha	alpha	NOUN
framr-1745	171	24	0.05	0.05	NUM
framr-1745	171	25	)	)	PUNCT
framr-1745	171	26	.	.	PUNCT
framr-1745	172	1	the	the	DET
framr-1745	172	2	logistic	logistic	ADJ
framr-1745	172	3	regression	regression	NOUN
framr-1745	172	4	coefficients	coefficient	NOUN
framr-1745	172	5	give	give	VERB
framr-1745	172	6	the	the	DET
framr-1745	172	7	change	change	NOUN
framr-1745	172	8	in	in	ADP
framr-1745	172	9	the	the	DET
framr-1745	172	10	log	log	NOUN
framr-1745	172	11	odds	odd	NOUN
framr-1745	172	12	of	of	ADP
framr-1745	172	13	the	the	DET
framr-1745	172	14	binary	binary	ADJ
framr-1745	172	15	response	response	NOUN
framr-1745	172	16	for	for	ADP
framr-1745	172	17	a	a	DET
framr-1745	172	18	one	one	NUM
framr-1745	172	19	-	-	PUNCT
framr-1745	172	20	unit	unit	NOUN
framr-1745	172	21	increase	increase	NOUN
framr-1745	172	22	in	in	ADP
framr-1745	172	23	the	the	DET
framr-1745	172	24	predictor	predictor	NOUN
framr-1745	172	25	variable	variable	NOUN
framr-1745	172	26	.	.	PUNCT
framr-1745	173	1	financial	financial	ADJ
framr-1745	173	2	risk	risk	NOUN
framr-1745	173	3	and	and	CCONJ
framr-1745	173	4	management	management	NOUN
framr-1745	173	5	reviews	review	NOUN
framr-1745	173	6	,	,	PUNCT
framr-1745	173	7	2021	2021	NUM
framr-1745	173	8	,	,	PUNCT
framr-1745	173	9	7(1	7(1	NUM
framr-1745	173	10	):	):	PUNCT
framr-1745	173	11	50	50	NUM
framr-1745	173	12	-	-	SYM
framr-1745	173	13	59	59	NUM
framr-1745	173	14	55	55	NUM
framr-1745	173	15	©	©	PROPN
framr-1745	173	16	2021	2021	NUM
framr-1745	173	17	conscientia	conscientia	PROPN
framr-1745	173	18	beam	beam	PROPN
framr-1745	173	19	.	.	PUNCT
framr-1745	174	1	all	all	DET
framr-1745	174	2	rights	right	NOUN
framr-1745	174	3	reserved	reserve	VERB
framr-1745	174	4	.	.	PUNCT
framr-1745	175	1	table-4	table-4	X
framr-1745	175	2	.	.	PUNCT
framr-1745	175	3	logistic	logistic	ADJ
framr-1745	175	4	regression	regression	NOUN
framr-1745	175	5	model	model	NOUN
framr-1745	175	6	output	output	NOUN
framr-1745	175	7	.	.	PUNCT
framr-1745	176	1	deviance	deviance	NOUN
framr-1745	176	2	residuals	residual	NOUN
framr-1745	176	3	:	:	PUNCT
framr-1745	176	4	min	min	NOUN
framr-1745	176	5	1q	1q	ADJ
framr-1745	176	6	median	median	NOUN
framr-1745	176	7	3q	3q	NUM
framr-1745	176	8	max	max	PROPN
framr-1745	176	9	-0.7309	-0.7309	PROPN
framr-1745	176	10	-0.2192	-0.2192	PROPN
framr-1745	176	11	-0.1413	-0.1413	PROPN
framr-1745	176	12	-0.1281	-0.1281	PUNCT
framr-1745	177	1	3.2060	3.2060	NUM
framr-1745	177	2	coefficients	coefficient	NOUN
framr-1745	177	3	:	:	PUNCT
framr-1745	177	4	estimate	estimate	VERB
framr-1745	177	5	std	std	NOUN
framr-1745	177	6	.	.	NOUN
framr-1745	177	7	error	error	NOUN
framr-1745	177	8	z	z	NOUN
framr-1745	177	9	value	value	NOUN
framr-1745	177	10	pr(>|z|	pr(>|z|	NOUN
framr-1745	177	11	)	)	PUNCT
framr-1745	177	12	(	(	PUNCT
framr-1745	177	13	intercept	intercept	PROPN
framr-1745	177	14	)	)	PUNCT
framr-1745	177	15	-5.55867	-5.55867	VERB
framr-1745	178	1	0.11265	0.11265	NUM
framr-1745	178	2	-49.346	-49.346	PUNCT
framr-1745	178	3	<	<	X
framr-1745	178	4	2e-16	2e-16	PROPN
framr-1745	178	5	*	*	PUNCT
framr-1745	178	6	*	*	PUNCT
framr-1745	178	7	*	*	PUNCT
framr-1745	178	8	education_level1	education_level1	PROPN
framr-1745	178	9	3.12055	3.12055	NUM
framr-1745	178	10	0.05358	0.05358	NUM
framr-1745	178	11	58.237	58.237	NUM
framr-1745	178	12	<	<	X
framr-1745	178	13	2e-16	2e-16	PROPN
framr-1745	178	14	*	*	PUNCT
framr-1745	178	15	*	*	PUNCT
framr-1745	178	16	*	*	PUNCT
framr-1745	178	17	education_level2	education_level2	PROPN
framr-1745	178	18	1.28911	1.28911	NUM
framr-1745	178	19	0.05601	0.05601	NUM
framr-1745	178	20	23.015	23.015	NUM
framr-1745	178	21	<	<	X
framr-1745	178	22	2e-16	2e-16	PROPN
framr-1745	178	23	*	*	PUNCT
framr-1745	178	24	*	*	PUNCT
framr-1745	178	25	*	*	PUNCT
framr-1745	178	26	education_level3	education_level3	PROPN
framr-1745	178	27	0.03621	0.03621	NUM
framr-1745	178	28	0.08049	0.08049	NUM
framr-1745	178	29	0.450	0.450	NUM
framr-1745	178	30	0.653	0.653	NUM
framr-1745	178	31	employment_status0	employment_status0	NOUN
framr-1745	178	32	0.21277	0.21277	NUM
framr-1745	178	33	0.04898	0.04898	NUM
framr-1745	178	34	4.344	4.344	NUM
framr-1745	178	35	1.40e-05	1.40e-05	NUM
framr-1745	178	36	*	*	PUNCT
framr-1745	178	37	*	*	PUNCT
framr-1745	178	38	*	*	PUNCT
framr-1745	178	39	age	age	NOUN
framr-1745	178	40	0.02126	0.02126	NUM
framr-1745	178	41	0.00267	0.00267	NUM
framr-1745	178	42	7.962	7.962	NUM
framr-1745	178	43	1.69e-15	1.69e-15	NUM
framr-1745	178	44	*	*	PUNCT
framr-1745	178	45	*	*	PUNCT
framr-1745	178	46	*	*	PROPN
framr-1745	178	47	signif	signif	PROPN
framr-1745	178	48	.	.	PUNCT
framr-1745	179	1	codes	code	NOUN
framr-1745	179	2	:	:	PUNCT
framr-1745	179	3	0	0	NUM
framr-1745	179	4	‘	'	PUNCT
framr-1745	179	5	*	*	PUNCT
framr-1745	179	6	*	*	PUNCT
framr-1745	179	7	*	*	NOUN
framr-1745	179	8	’	'	PUNCT
framr-1745	179	9	0.001	0.001	NUM
framr-1745	179	10	‘	'	PUNCT
framr-1745	179	11	*	*	NOUN
framr-1745	179	12	*	*	NOUN
framr-1745	179	13	’	'	PUNCT
framr-1745	179	14	0.01	0.01	NUM
framr-1745	179	15	‘	'	PUNCT
framr-1745	179	16	*	*	NOUN
framr-1745	179	17	’	'	PUNCT
framr-1745	179	18	0.05	0.05	NUM
framr-1745	179	19	‘	'	PUNCT
framr-1745	179	20	.	.	PUNCT
framr-1745	179	21	’	'	PUNCT
framr-1745	180	1	0.1	0.1	NUM
framr-1745	180	2	‘	'	PUNCT
framr-1745	180	3	’	'	PUNCT
framr-1745	180	4	1	1	NUM
framr-1745	180	5	(	(	PUNCT
framr-1745	180	6	dispersion	dispersion	NOUN
framr-1745	180	7	parameter	parameter	NOUN
framr-1745	180	8	for	for	ADP
framr-1745	180	9	binomial	binomial	ADJ
framr-1745	180	10	family	family	NOUN
framr-1745	180	11	taken	take	VERB
framr-1745	180	12	to	to	PART
framr-1745	180	13	be	be	AUX
framr-1745	180	14	1	1	NUM
framr-1745	180	15	)	)	PUNCT
framr-1745	180	16	null	null	ADJ
framr-1745	180	17	deviance	deviance	NOUN
framr-1745	180	18	:	:	PUNCT
framr-1745	180	19	27334	27334	NUM
framr-1745	180	20	on	on	ADP
framr-1745	180	21	122,717	122,717	NUM
framr-1745	180	22	degrees	degree	NOUN
framr-1745	180	23	of	of	ADP
framr-1745	180	24	freedom	freedom	NOUN
framr-1745	180	25	residual	residual	ADJ
framr-1745	180	26	deviance	deviance	NOUN
framr-1745	180	27	:	:	PUNCT
framr-1745	180	28	23267	23267	NUM
framr-1745	180	29	on	on	ADP
framr-1745	180	30	122,712	122,712	NUM
framr-1745	180	31	degrees	degree	NOUN
framr-1745	180	32	of	of	ADP
framr-1745	180	33	freedom	freedom	NOUN
framr-1745	180	34	aic	aic	PROPN
framr-1745	180	35	:	:	PUNCT
framr-1745	180	36	23279	23279	NUM
framr-1745	180	37	number	number	NOUN
framr-1745	180	38	of	of	ADP
framr-1745	180	39	fisher	fisher	PROPN
framr-1745	180	40	scoring	score	VERB
framr-1745	180	41	iterations	iteration	NOUN
framr-1745	180	42	:	:	PUNCT
framr-1745	180	43	7	7	NUM
framr-1745	180	44	thus	thus	ADV
framr-1745	180	45	,	,	PUNCT
framr-1745	180	46	the	the	DET
framr-1745	180	47	following	follow	VERB
framr-1745	180	48	interpretations	interpretation	NOUN
framr-1745	180	49	follow	follow	VERB
framr-1745	180	50	:	:	PUNCT
framr-1745	180	51	•	•	NOUN
framr-1745	180	52	for	for	ADP
framr-1745	180	53	every	every	DET
framr-1745	180	54	one	one	NUM
framr-1745	180	55	unit	unit	NOUN
framr-1745	180	56	change	change	NOUN
framr-1745	180	57	in	in	ADP
framr-1745	180	58	age	age	NOUN
framr-1745	180	59	,	,	PUNCT
framr-1745	180	60	the	the	DET
framr-1745	180	61	log	log	NOUN
framr-1745	180	62	odds	odd	NOUN
framr-1745	180	63	of	of	ADP
framr-1745	180	64	insured	insured	ADJ
framr-1745	180	65	(	(	PUNCT
framr-1745	180	66	versus	versus	ADP
framr-1745	180	67	not	not	PART
framr-1745	180	68	insured	insure	VERB
framr-1745	180	69	)	)	PUNCT
framr-1745	180	70	increases	increase	NOUN
framr-1745	180	71	by	by	ADP
framr-1745	180	72	0.02	0.02	NUM
framr-1745	180	73	.	.	PUNCT
framr-1745	181	1	the	the	DET
framr-1745	181	2	indicator	indicator	NOUN
framr-1745	181	3	variables	variable	VERB
framr-1745	181	4	for	for	ADP
framr-1745	181	5	employment	employment	NOUN
framr-1745	181	6	status	status	NOUN
framr-1745	181	7	and	and	CCONJ
framr-1745	181	8	education	education	NOUN
framr-1745	181	9	level	level	NOUN
framr-1745	181	10	have	have	VERB
framr-1745	181	11	slightly	slightly	ADV
framr-1745	181	12	differently	differently	ADV
framr-1745	181	13	interpretation	interpretation	NOUN
framr-1745	181	14	.	.	PUNCT
framr-1745	182	1	since	since	SCONJ
framr-1745	182	2	the	the	DET
framr-1745	182	3	reference	reference	NOUN
framr-1745	182	4	levels	level	NOUN
framr-1745	182	5	for	for	ADP
framr-1745	182	6	the	the	DET
framr-1745	182	7	two	two	NUM
framr-1745	182	8	categorical	categorical	ADJ
framr-1745	182	9	variables	variable	NOUN
framr-1745	182	10	are	be	AUX
framr-1745	182	11	employed	employ	VERB
framr-1745	182	12	(	(	PUNCT
framr-1745	182	13	1	1	NUM
framr-1745	182	14	)	)	PUNCT
framr-1745	182	15	and	and	CCONJ
framr-1745	182	16	no	no	DET
framr-1745	182	17	education	education	NOUN
framr-1745	182	18	(	(	PUNCT
framr-1745	182	19	4	4	NUM
framr-1745	182	20	)	)	PUNCT
framr-1745	182	21	,	,	PUNCT
framr-1745	182	22	we	we	PRON
framr-1745	182	23	interpret	interpret	VERB
framr-1745	182	24	as	as	ADP
framr-1745	182	25	follow	follow	NOUN
framr-1745	182	26	:	:	PUNCT
framr-1745	182	27	•	•	NUM
framr-1745	182	28	interviewing	interview	VERB
framr-1745	182	29	an	an	DET
framr-1745	182	30	unemployed	unemployed	ADJ
framr-1745	182	31	individual	individual	NOUN
framr-1745	182	32	versus	versus	ADP
framr-1745	182	33	interviewing	interview	VERB
framr-1745	182	34	an	an	DET
framr-1745	182	35	employed	employ	VERB
framr-1745	182	36	individual	individual	NOUN
framr-1745	182	37	,	,	PUNCT
framr-1745	182	38	changes	change	VERB
framr-1745	182	39	the	the	DET
framr-1745	182	40	log	log	NOUN
framr-1745	182	41	odds	odd	NOUN
framr-1745	182	42	of	of	ADP
framr-1745	182	43	being	be	AUX
framr-1745	182	44	insured	insure	VERB
framr-1745	182	45	by	by	ADP
framr-1745	182	46	0.213	0.213	NUM
framr-1745	182	47	.	.	PUNCT
framr-1745	183	1	•	•	NUM
framr-1745	183	2	interviewing	interview	VERB
framr-1745	183	3	an	an	DET
framr-1745	183	4	individual	individual	NOUN
framr-1745	183	5	with	with	ADP
framr-1745	183	6	higher	high	ADJ
framr-1745	183	7	education	education	NOUN
framr-1745	183	8	versus	versus	ADP
framr-1745	183	9	interviewing	interview	VERB
framr-1745	183	10	an	an	DET
framr-1745	183	11	individual	individual	NOUN
framr-1745	183	12	with	with	ADP
framr-1745	183	13	no	no	DET
framr-1745	183	14	education	education	NOUN
framr-1745	183	15	,	,	PUNCT
framr-1745	183	16	changes	change	VERB
framr-1745	183	17	the	the	DET
framr-1745	183	18	log	log	NOUN
framr-1745	183	19	odds	odd	NOUN
framr-1745	183	20	of	of	ADP
framr-1745	183	21	being	be	AUX
framr-1745	183	22	insured	insure	VERB
framr-1745	183	23	by	by	ADP
framr-1745	183	24	3.121	3.121	NUM
framr-1745	183	25	.	.	PUNCT
framr-1745	184	1	•	•	NUM
framr-1745	184	2	interviewing	interview	VERB
framr-1745	184	3	an	an	DET
framr-1745	184	4	individual	individual	NOUN
framr-1745	184	5	with	with	ADP
framr-1745	184	6	secondary	secondary	ADJ
framr-1745	184	7	education	education	NOUN
framr-1745	184	8	versus	versus	ADP
framr-1745	184	9	interviewing	interview	VERB
framr-1745	184	10	an	an	DET
framr-1745	184	11	individual	individual	NOUN
framr-1745	184	12	with	with	ADP
framr-1745	184	13	no	no	DET
framr-1745	184	14	education	education	NOUN
framr-1745	184	15	,	,	PUNCT
framr-1745	184	16	changes	change	VERB
framr-1745	184	17	the	the	DET
framr-1745	184	18	log	log	NOUN
framr-1745	184	19	odds	odd	NOUN
framr-1745	184	20	of	of	ADP
framr-1745	184	21	being	be	AUX
framr-1745	184	22	insured	insure	VERB
framr-1745	184	23	by	by	ADP
framr-1745	184	24	1.29	1.29	NUM
framr-1745	184	25	.	.	PUNCT
framr-1745	185	1	•	•	NUM
framr-1745	185	2	interviewing	interview	VERB
framr-1745	185	3	an	an	DET
framr-1745	185	4	individual	individual	NOUN
framr-1745	185	5	with	with	ADP
framr-1745	185	6	primary	primary	ADJ
framr-1745	185	7	education	education	NOUN
framr-1745	185	8	versus	versus	ADP
framr-1745	185	9	interviewing	interview	VERB
framr-1745	185	10	an	an	DET
framr-1745	185	11	individual	individual	NOUN
framr-1745	185	12	with	with	ADP
framr-1745	185	13	no	no	DET
framr-1745	185	14	education	education	NOUN
framr-1745	185	15	,	,	PUNCT
framr-1745	185	16	changes	change	VERB
framr-1745	185	17	the	the	DET
framr-1745	185	18	log	log	NOUN
framr-1745	185	19	odds	odd	NOUN
framr-1745	185	20	of	of	ADP
framr-1745	185	21	being	be	AUX
framr-1745	185	22	insured	insure	VERB
framr-1745	185	23	by	by	ADP
framr-1745	185	24	0.036	0.036	NUM
framr-1745	185	25	.	.	PUNCT
framr-1745	186	1	though	though	ADV
framr-1745	186	2	,	,	PUNCT
framr-1745	186	3	this	this	DET
framr-1745	186	4	change	change	NOUN
framr-1745	186	5	is	be	AUX
framr-1745	186	6	not	not	PART
framr-1745	186	7	statistically	statistically	ADV
framr-1745	186	8	significant	significant	ADJ
framr-1745	186	9	(	(	PUNCT
framr-1745	186	10	p	p	NOUN
framr-1745	186	11	-	-	PUNCT
framr-1745	186	12	value	value	NOUN
framr-1745	186	13	0.653	0.653	NUM
framr-1745	186	14	is	be	AUX
framr-1745	186	15	greater	great	ADJ
framr-1745	186	16	than	than	ADP
framr-1745	186	17	alpha	alpha	NOUN
framr-1745	186	18	0.05	0.05	NUM
framr-1745	186	19	)	)	PUNCT
framr-1745	186	20	below	below	ADP
framr-1745	186	21	the	the	DET
framr-1745	186	22	table	table	NOUN
framr-1745	186	23	of	of	ADP
framr-1745	186	24	coefficients	coefficient	NOUN
framr-1745	186	25	in	in	ADP
framr-1745	186	26	table	table	NOUN
framr-1745	186	27	4	4	NUM
framr-1745	186	28	are	be	AUX
framr-1745	186	29	fit	fit	ADJ
framr-1745	186	30	indices	index	NOUN
framr-1745	186	31	,	,	PUNCT
framr-1745	186	32	including	include	VERB
framr-1745	186	33	the	the	DET
framr-1745	186	34	null	null	ADJ
framr-1745	186	35	and	and	CCONJ
framr-1745	186	36	deviance	deviance	NOUN
framr-1745	186	37	residuals	residual	NOUN
framr-1745	186	38	and	and	CCONJ
framr-1745	186	39	the	the	DET
framr-1745	186	40	aic	aic	PROPN
framr-1745	186	41	.	.	PUNCT
framr-1745	187	1	the	the	DET
framr-1745	187	2	confidence	confidence	NOUN
framr-1745	187	3	intervals	interval	NOUN
framr-1745	187	4	for	for	ADP
framr-1745	187	5	the	the	DET
framr-1745	187	6	regression	regression	NOUN
framr-1745	187	7	coefficients	coefficient	NOUN
framr-1745	187	8	by	by	ADP
framr-1745	187	9	using	use	VERB
framr-1745	187	10	the	the	DET
framr-1745	187	11	confint	confint	NOUN
framr-1745	187	12	(	(	PUNCT
framr-1745	187	13	)	)	PUNCT
framr-1745	187	14	function	function	NOUN
framr-1745	187	15	is	be	AUX
framr-1745	187	16	displayed	display	VERB
framr-1745	187	17	in	in	ADP
framr-1745	187	18	table	table	NOUN
framr-1745	187	19	5	5	NUM
framr-1745	187	20	.	.	PUNCT
framr-1745	188	1	the	the	DET
framr-1745	188	2	confidence	confidence	NOUN
framr-1745	188	3	intervals	interval	NOUN
framr-1745	188	4	displayed	display	VERB
framr-1745	188	5	are	be	AUX
framr-1745	188	6	calculated	calculate	VERB
framr-1745	188	7	using	use	VERB
framr-1745	188	8	the	the	DET
framr-1745	188	9	profiled	profile	VERB
framr-1745	188	10	log	log	NOUN
framr-1745	188	11	-	-	PUNCT
framr-1745	188	12	likelihood	likelihood	NOUN
framr-1745	188	13	function	function	NOUN
framr-1745	188	14	.	.	PUNCT
framr-1745	189	1	table-5	table-5	PROPN
framr-1745	189	2	.	.	PUNCT
framr-1745	190	1	confidence	confidence	NOUN
framr-1745	190	2	interval	interval	NOUN
framr-1745	190	3	for	for	ADP
framr-1745	190	4	the	the	DET
framr-1745	190	5	regression	regression	NOUN
framr-1745	190	6	coefficients	coefficient	NOUN
framr-1745	190	7	.	.	PUNCT
framr-1745	191	1	2.5	2.5	NUM
framr-1745	191	2	%	%	NOUN
framr-1745	191	3	97.5	97.5	NUM
framr-1745	191	4	%	%	NOUN
framr-1745	191	5	(	(	PUNCT
framr-1745	191	6	intercept	intercept	NOUN
framr-1745	191	7	)	)	PUNCT
framr-1745	191	8	-5.78048289	-5.78048289	NOUN
framr-1745	191	9	-5.33889321	-5.33889321	PUNCT
framr-1745	192	1	education_level1	education_level1	VERB
framr-1745	192	2	3.01609921	3.01609921	NUM
framr-1745	192	3	3.22618518	3.22618518	NUM
framr-1745	192	4	education_level2	education_level2	PROPN
framr-1745	192	5	1.17967364	1.17967364	NUM
framr-1745	192	6	1.39928610	1.39928610	NUM
framr-1745	192	7	education_level3	education_level3	PROPN
framr-1745	192	8	-0.12337317	-0.12337317	NOUN
framr-1745	192	9	0.19233219	0.19233219	NUM
framr-1745	192	10	employment_status0	employment_status0	NOUN
framr-1745	192	11	0.11616508	0.11616508	NUM
framr-1745	192	12	0.30820585	0.30820585	NUM
framr-1745	192	13	age	age	NOUN
framr-1745	192	14	0.01603154	0.01603154	NUM
framr-1745	192	15	0.02649908	0.02649908	NUM
framr-1745	192	16	we	we	PRON
framr-1745	192	17	further	far	ADV
framr-1745	192	18	test	test	VERB
framr-1745	192	19	for	for	ADP
framr-1745	192	20	an	an	DET
framr-1745	192	21	overall	overall	ADJ
framr-1745	192	22	effect	effect	NOUN
framr-1745	192	23	of	of	ADP
framr-1745	192	24	employment	employment	NOUN
framr-1745	192	25	status	status	NOUN
framr-1745	192	26	and	and	CCONJ
framr-1745	192	27	education	education	NOUN
framr-1745	192	28	level	level	NOUN
framr-1745	192	29	(	(	PUNCT
framr-1745	192	30	the	the	DET
framr-1745	192	31	categorical	categorical	ADJ
framr-1745	192	32	predictor	predictor	NOUN
framr-1745	192	33	variables	variable	NOUN
framr-1745	192	34	)	)	PUNCT
framr-1745	192	35	using	use	VERB
framr-1745	192	36	the	the	DET
framr-1745	192	37	wald	wald	NOUN
framr-1745	192	38	test	test	NOUN
framr-1745	192	39	(	(	PUNCT
framr-1745	192	40	)	)	PUNCT
framr-1745	192	41	function	function	NOUN
framr-1745	192	42	of	of	ADP
framr-1745	192	43	the	the	DET
framr-1745	192	44	aod	aod	PROPN
framr-1745	192	45	library	library	NOUN
framr-1745	192	46	in	in	ADP
framr-1745	192	47	r.	r.	PROPN
framr-1745	192	48	the	the	DET
framr-1745	192	49	order	order	NOUN
framr-1745	192	50	in	in	ADP
framr-1745	192	51	which	which	PRON
framr-1745	192	52	the	the	DET
framr-1745	192	53	coefficients	coefficient	NOUN
framr-1745	192	54	are	be	AUX
framr-1745	192	55	given	give	VERB
framr-1745	192	56	in	in	ADP
framr-1745	192	57	the	the	DET
framr-1745	192	58	table	table	NOUN
framr-1745	192	59	of	of	ADP
framr-1745	192	60	coefficients	coefficient	NOUN
framr-1745	192	61	of	of	ADP
framr-1745	192	62	table	table	NOUN
framr-1745	192	63	4	4	NUM
framr-1745	192	64	is	be	AUX
framr-1745	192	65	used	use	VERB
framr-1745	192	66	as	as	ADP
framr-1745	192	67	the	the	DET
framr-1745	192	68	order	order	NOUN
framr-1745	192	69	of	of	ADP
framr-1745	192	70	the	the	DET
framr-1745	192	71	terms	term	NOUN
framr-1745	192	72	in	in	ADP
framr-1745	192	73	the	the	DET
framr-1745	192	74	model	model	NOUN
framr-1745	192	75	.	.	PUNCT
framr-1745	193	1	thus	thus	ADV
framr-1745	193	2	,	,	PUNCT
framr-1745	193	3	the	the	DET
framr-1745	193	4	wald	wald	PROPN
framr-1745	193	5	test	test	NOUN
framr-1745	193	6	output	output	NOUN
framr-1745	193	7	is	be	AUX
framr-1745	193	8	displayed	display	VERB
framr-1745	193	9	in	in	ADP
framr-1745	193	10	table	table	NOUN
framr-1745	193	11	6	6	NUM
framr-1745	193	12	.	.	PUNCT
framr-1745	193	13	financial	financial	ADJ
framr-1745	193	14	risk	risk	NOUN
framr-1745	193	15	and	and	CCONJ
framr-1745	193	16	management	management	NOUN
framr-1745	193	17	reviews	review	NOUN
framr-1745	193	18	,	,	PUNCT
framr-1745	193	19	2021	2021	NUM
framr-1745	193	20	,	,	PUNCT
framr-1745	193	21	7(1	7(1	NUM
framr-1745	193	22	):	):	PUNCT
framr-1745	193	23	50	50	NUM
framr-1745	193	24	-	-	SYM
framr-1745	193	25	59	59	NUM
framr-1745	193	26	56	56	NUM
framr-1745	193	27	©	©	PROPN
framr-1745	193	28	2021	2021	NUM
framr-1745	193	29	conscientia	conscientia	PROPN
framr-1745	193	30	beam	beam	PROPN
framr-1745	193	31	.	.	PUNCT
framr-1745	194	1	all	all	DET
framr-1745	194	2	rights	right	NOUN
framr-1745	194	3	reserved	reserve	VERB
framr-1745	194	4	.	.	PUNCT
framr-1745	195	1	table-6	table-6	PROPN
framr-1745	195	2	.	.	PUNCT
framr-1745	195	3	wald	wald	PROPN
framr-1745	195	4	test	test	NOUN
framr-1745	195	5	for	for	ADP
framr-1745	195	6	the	the	DET
framr-1745	195	7	significance	significance	NOUN
framr-1745	195	8	of	of	ADP
framr-1745	195	9	categorical	categorical	ADJ
framr-1745	195	10	predictor	predictor	NOUN
framr-1745	195	11	variables	variable	NOUN
framr-1745	195	12	in	in	ADP
framr-1745	195	13	the	the	DET
framr-1745	195	14	logit	logit	PROPN
framr-1745	195	15	model	model	NOUN
framr-1745	195	16	.	.	PUNCT
framr-1745	196	1	wald	wald	PROPN
framr-1745	196	2	test	test	NOUN
framr-1745	196	3	:	:	PUNCT
framr-1745	196	4	chi	chi	ADJ
framr-1745	196	5	-	-	PUNCT
framr-1745	196	6	squared	square	VERB
framr-1745	196	7	test	test	NOUN
framr-1745	196	8	:	:	PUNCT
framr-1745	197	1	x2	x2	PROPN
framr-1745	197	2	=	=	SYM
framr-1745	197	3	4336.1	4336.1	NUM
framr-1745	197	4	,	,	PUNCT
framr-1745	197	5	df	df	PROPN
framr-1745	197	6	=	=	SYM
framr-1745	197	7	3	3	NUM
framr-1745	197	8	,	,	PUNCT
framr-1745	197	9	p	p	X
framr-1745	197	10	(	(	PUNCT
framr-1745	197	11	>	>	X
framr-1745	197	12	x2	x2	PROPN
framr-1745	197	13	)	)	PUNCT
framr-1745	197	14	=	=	SYM
framr-1745	198	1	0.000	0.000	NUM
framr-1745	198	2	.	.	PUNCT
framr-1745	199	1	the	the	DET
framr-1745	199	2	chi	chi	NOUN
framr-1745	199	3	-	-	PUNCT
framr-1745	199	4	squared	square	VERB
framr-1745	199	5	test	test	NOUN
framr-1745	199	6	statistic	statistic	NOUN
framr-1745	199	7	of	of	ADP
framr-1745	199	8	4,336.1	4,336.1	NUM
framr-1745	199	9	,	,	PUNCT
framr-1745	199	10	with	with	ADP
framr-1745	199	11	three	three	NUM
framr-1745	199	12	degrees	degree	NOUN
framr-1745	199	13	of	of	ADP
framr-1745	199	14	freedom	freedom	NOUN
framr-1745	199	15	is	be	AUX
framr-1745	199	16	associated	associate	VERB
framr-1745	199	17	with	with	ADP
framr-1745	199	18	a	a	DET
framr-1745	199	19	p	p	NOUN
framr-1745	199	20	-	-	PUNCT
framr-1745	199	21	value	value	NOUN
framr-1745	199	22	of	of	ADP
framr-1745	199	23	0.000	0.000	NUM
framr-1745	199	24	(	(	PUNCT
framr-1745	199	25	less	less	ADJ
framr-1745	199	26	than	than	ADP
framr-1745	199	27	alpha	alpha	NOUN
framr-1745	199	28	0.05	0.05	NUM
framr-1745	199	29	)	)	PUNCT
framr-1745	199	30	indicating	indicate	VERB
framr-1745	199	31	that	that	SCONJ
framr-1745	199	32	the	the	DET
framr-1745	199	33	overall	overall	ADJ
framr-1745	199	34	effect	effect	NOUN
framr-1745	199	35	of	of	ADP
framr-1745	199	36	the	the	DET
framr-1745	199	37	categorical	categorical	ADJ
framr-1745	199	38	predictor	predictor	NOUN
framr-1745	199	39	variables	variable	NOUN
framr-1745	199	40	is	be	AUX
framr-1745	199	41	statistically	statistically	ADV
framr-1745	199	42	significant	significant	ADJ
framr-1745	199	43	.	.	PUNCT
framr-1745	200	1	further	far	ADV
framr-1745	200	2	,	,	PUNCT
framr-1745	200	3	we	we	PRON
framr-1745	200	4	also	also	ADV
framr-1745	200	5	tested	test	VERB
framr-1745	200	6	additional	additional	ADJ
framr-1745	200	7	hypotheses	hypothesis	NOUN
framr-1745	200	8	about	about	ADP
framr-1745	200	9	the	the	DET
framr-1745	200	10	differences	difference	NOUN
framr-1745	200	11	in	in	ADP
framr-1745	200	12	the	the	DET
framr-1745	200	13	coefficients	coefficient	NOUN
framr-1745	200	14	for	for	ADP
framr-1745	200	15	the	the	DET
framr-1745	200	16	different	different	ADJ
framr-1745	200	17	levels	level	NOUN
framr-1745	200	18	of	of	ADP
framr-1745	200	19	education	education	NOUN
framr-1745	200	20	level	level	NOUN
framr-1745	200	21	.	.	PUNCT
framr-1745	201	1	to	to	PART
framr-1745	201	2	contrast	contrast	VERB
framr-1745	201	3	these	these	DET
framr-1745	201	4	three	three	NUM
framr-1745	201	5	terms	term	NOUN
framr-1745	201	6	(	(	PUNCT
framr-1745	201	7	higher	high	ADJ
framr-1745	201	8	,	,	PUNCT
framr-1745	201	9	secondary	secondary	ADJ
framr-1745	201	10	and	and	CCONJ
framr-1745	201	11	primary	primary	ADJ
framr-1745	201	12	education	education	NOUN
framr-1745	201	13	coefficients	coefficient	NOUN
framr-1745	201	14	)	)	PUNCT
framr-1745	201	15	,	,	PUNCT
framr-1745	201	16	we	we	PRON
framr-1745	201	17	multiply	multiply	VERB
framr-1745	201	18	one	one	NUM
framr-1745	201	19	of	of	ADP
framr-1745	201	20	them	they	PRON
framr-1745	201	21	by	by	ADP
framr-1745	201	22	1	1	NUM
framr-1745	201	23	,	,	PUNCT
framr-1745	201	24	and	and	CCONJ
framr-1745	201	25	the	the	DET
framr-1745	201	26	other	other	ADJ
framr-1745	201	27	by	by	ADP
framr-1745	201	28	-1	-1	PROPN
framr-1745	201	29	.	.	PUNCT
framr-1745	202	1	the	the	DET
framr-1745	202	2	other	other	ADJ
framr-1745	202	3	terms	term	NOUN
framr-1745	202	4	in	in	ADP
framr-1745	202	5	the	the	DET
framr-1745	202	6	model	model	NOUN
framr-1745	202	7	(	(	PUNCT
framr-1745	202	8	employment	employment	NOUN
framr-1745	202	9	status	status	NOUN
framr-1745	202	10	and	and	CCONJ
framr-1745	202	11	age	age	NOUN
framr-1745	202	12	coefficients	coefficient	NOUN
framr-1745	202	13	since	since	SCONJ
framr-1745	202	14	they	they	PRON
framr-1745	202	15	one	one	NUM
framr-1745	202	16	term	term	NOUN
framr-1745	202	17	per	per	ADP
framr-1745	202	18	variable	variable	NOUN
framr-1745	202	19	)	)	PUNCT
framr-1745	202	20	are	be	AUX
framr-1745	202	21	not	not	PART
framr-1745	202	22	involved	involve	VERB
framr-1745	202	23	in	in	ADP
framr-1745	202	24	the	the	DET
framr-1745	202	25	test	test	NOUN
framr-1745	202	26	,	,	PUNCT
framr-1745	202	27	so	so	SCONJ
framr-1745	202	28	they	they	PRON
framr-1745	202	29	are	be	AUX
framr-1745	202	30	multiplied	multiply	VERB
framr-1745	202	31	by	by	ADP
framr-1745	202	32	0	0	NUM
framr-1745	202	33	.	.	PUNCT
framr-1745	203	1	the	the	DET
framr-1745	203	2	result	result	NOUN
framr-1745	203	3	of	of	ADP
framr-1745	203	4	this	this	DET
framr-1745	203	5	additional	additional	ADJ
framr-1745	203	6	hypothesis	hypothesis	NOUN
framr-1745	203	7	is	be	AUX
framr-1745	203	8	shown	show	VERB
framr-1745	203	9	in	in	ADP
framr-1745	203	10	table	table	NOUN
framr-1745	203	11	7	7	NUM
framr-1745	203	12	.	.	PUNCT
framr-1745	204	1	table-7	table-7	NUM
framr-1745	204	2	.	.	PUNCT
framr-1745	205	1	wald	wald	NOUN
framr-1745	205	2	test	test	NOUN
framr-1745	205	3	for	for	ADP
framr-1745	205	4	significant	significant	ADJ
framr-1745	205	5	difference	difference	NOUN
framr-1745	205	6	in	in	ADP
framr-1745	205	7	education	education	NOUN
framr-1745	205	8	level	level	NOUN
framr-1745	205	9	parameters	parameter	NOUN
framr-1745	205	10	.	.	PUNCT
framr-1745	206	1	wald	wald	ADJ
framr-1745	206	2	test	test	NOUN
framr-1745	206	3	:	:	PUNCT
framr-1745	206	4	chi	chi	ADJ
framr-1745	206	5	-	-	PUNCT
framr-1745	206	6	squared	square	VERB
framr-1745	206	7	test	test	NOUN
framr-1745	206	8	:	:	PUNCT
framr-1745	207	1	x2	x2	PROPN
framr-1745	207	2	=	=	PUNCT
framr-1745	207	3	398.8	398.8	NUM
framr-1745	207	4	,	,	PUNCT
framr-1745	207	5	df	df	PROPN
framr-1745	207	6	=	=	SYM
framr-1745	207	7	3	3	NUM
framr-1745	207	8	,	,	PUNCT
framr-1745	207	9	p	p	X
framr-1745	207	10	(	(	PUNCT
framr-1745	207	11	>	>	X
framr-1745	207	12	x2	x2	PROPN
framr-1745	207	13	)	)	PUNCT
framr-1745	207	14	=	=	SYM
framr-1745	207	15	0.000	0.000	NUM
framr-1745	207	16	the	the	DET
framr-1745	207	17	chi	chi	NOUN
framr-1745	207	18	-	-	PUNCT
framr-1745	207	19	squared	square	VERB
framr-1745	207	20	test	test	NOUN
framr-1745	207	21	statistic	statistic	NOUN
framr-1745	207	22	of	of	ADP
framr-1745	207	23	398.8	398.8	NUM
framr-1745	207	24	with	with	ADP
framr-1745	207	25	3	3	NUM
framr-1745	207	26	degree	degree	NOUN
framr-1745	207	27	of	of	ADP
framr-1745	207	28	freedom	freedom	NOUN
framr-1745	207	29	is	be	AUX
framr-1745	207	30	associated	associate	VERB
framr-1745	207	31	with	with	ADP
framr-1745	207	32	a	a	DET
framr-1745	207	33	p	p	NOUN
framr-1745	207	34	-	-	PUNCT
framr-1745	207	35	value	value	NOUN
framr-1745	207	36	of	of	ADP
framr-1745	207	37	0.000	0.000	NUM
framr-1745	207	38	(	(	PUNCT
framr-1745	207	39	less	less	ADJ
framr-1745	207	40	than	than	ADP
framr-1745	207	41	alpha	alpha	NOUN
framr-1745	207	42	0.05	0.05	NUM
framr-1745	207	43	)	)	PUNCT
framr-1745	207	44	,	,	PUNCT
framr-1745	207	45	indicating	indicate	VERB
framr-1745	207	46	that	that	SCONJ
framr-1745	207	47	the	the	DET
framr-1745	207	48	difference	difference	NOUN
framr-1745	207	49	between	between	ADP
framr-1745	207	50	the	the	DET
framr-1745	207	51	coefficient	coefficient	NOUN
framr-1745	207	52	for	for	ADP
framr-1745	207	53	education	education	NOUN
framr-1745	207	54	level	level	NOUN
framr-1745	207	55	=	=	SYM
framr-1745	207	56	1	1	NUM
framr-1745	207	57	,	,	PUNCT
framr-1745	207	58	the	the	DET
framr-1745	207	59	coefficient	coefficient	NOUN
framr-1745	207	60	for	for	ADP
framr-1745	207	61	education	education	NOUN
framr-1745	207	62	level	level	NOUN
framr-1745	207	63	=	=	SYM
framr-1745	207	64	3	3	NUM
framr-1745	207	65	and	and	CCONJ
framr-1745	207	66	education	education	NOUN
framr-1745	207	67	level	level	NOUN
framr-1745	207	68	=	=	SYM
framr-1745	207	69	2	2	NUM
framr-1745	207	70	is	be	AUX
framr-1745	207	71	statistically	statistically	ADV
framr-1745	207	72	significant	significant	ADJ
framr-1745	207	73	.	.	PUNCT
framr-1745	208	1	in	in	ADP
framr-1745	208	2	order	order	NOUN
framr-1745	208	3	to	to	PART
framr-1745	208	4	further	far	ADV
framr-1745	208	5	understand	understand	VERB
framr-1745	208	6	the	the	DET
framr-1745	208	7	coefficients	coefficient	NOUN
framr-1745	208	8	of	of	ADP
framr-1745	208	9	the	the	DET
framr-1745	208	10	logit	logit	PROPN
framr-1745	208	11	mode	mode	NOUN
framr-1745	208	12	,	,	PUNCT
framr-1745	208	13	the	the	DET
framr-1745	208	14	coefficients	coefficient	NOUN
framr-1745	208	15	were	be	AUX
framr-1745	208	16	exponentiated	exponentiate	VERB
framr-1745	208	17	and	and	CCONJ
framr-1745	208	18	the	the	DET
framr-1745	208	19	result	result	NOUN
framr-1745	208	20	interpreted	interpret	VERB
framr-1745	208	21	as	as	ADP
framr-1745	208	22	odds	odd	NOUN
framr-1745	208	23	-	-	PUNCT
framr-1745	208	24	ratios	ratio	NOUN
framr-1745	208	25	.	.	PUNCT
framr-1745	209	1	to	to	PART
framr-1745	209	2	get	get	VERB
framr-1745	209	3	the	the	DET
framr-1745	209	4	exponentiated	exponentiated	ADJ
framr-1745	209	5	coefficients	coefficient	NOUN
framr-1745	209	6	,	,	PUNCT
framr-1745	209	7	the	the	DET
framr-1745	209	8	exp	exp	NOUN
framr-1745	209	9	(	(	PUNCT
framr-1745	209	10	)	)	PUNCT
framr-1745	209	11	function	function	NOUN
framr-1745	209	12	was	be	AUX
framr-1745	209	13	used	use	VERB
framr-1745	209	14	.	.	PUNCT
framr-1745	210	1	the	the	DET
framr-1745	210	2	odds	odd	NOUN
framr-1745	210	3	ratios	ratio	NOUN
framr-1745	210	4	with	with	ADP
framr-1745	210	5	their	their	PRON
framr-1745	210	6	corresponding	correspond	VERB
framr-1745	210	7	confidence	confidence	NOUN
framr-1745	210	8	intervals	interval	NOUN
framr-1745	210	9	are	be	AUX
framr-1745	210	10	displayed	display	VERB
framr-1745	210	11	in	in	ADP
framr-1745	210	12	table	table	NOUN
framr-1745	210	13	8	8	NUM
framr-1745	210	14	.	.	PUNCT
framr-1745	211	1	table-8	table-8	NOUN
framr-1745	211	2	.	.	PUNCT
framr-1745	212	1	odds	odd	NOUN
framr-1745	212	2	ratio	ratio	NOUN
framr-1745	212	3	and	and	CCONJ
framr-1745	212	4	95	95	NUM
framr-1745	212	5	%	%	NOUN
framr-1745	212	6	confidence	confidence	NOUN
framr-1745	212	7	interval	interval	NOUN
framr-1745	212	8	.	.	PUNCT
framr-1745	213	1	odds	odd	NOUN
framr-1745	213	2	ratio	ratio	VERB
framr-1745	213	3	2.5	2.5	NUM
framr-1745	213	4	%	%	NOUN
framr-1745	213	5	97.5	97.5	NUM
framr-1745	213	6	%	%	NOUN
framr-1745	213	7	(	(	PUNCT
framr-1745	213	8	intercept	intercept	PROPN
framr-1745	213	9	)	)	PUNCT
framr-1745	213	10	0.003853907	0.003853907	NUM
framr-1745	214	1	0.003087224	0.003087224	NUM
framr-1745	214	2	0.004801182	0.004801182	NUM
framr-1745	214	3	education_level1	education_level1	NOUN
framr-1745	214	4	22.658847100	22.658847100	NUM
framr-1745	214	5	20.411515243	20.411515243	NUM
framr-1745	214	6	25.183403384	25.183403384	NUM
framr-1745	214	7	education_level2	education_level2	PROPN
framr-1745	214	8	3.629564494	3.629564494	NUM
framr-1745	214	9	3.253312294	3.253312294	NUM
framr-1745	214	10	4.052305986	4.052305986	NUM
framr-1745	214	11	education_level3	education_level3	PROPN
framr-1745	214	12	1.036873981	1.036873981	NUM
framr-1745	214	13	0.883933745	0.883933745	NUM
framr-1745	214	14	1.212073089	1.212073089	NUM
framr-1745	214	15	employment_status0	employment_status0	PROPN
framr-1745	214	16	1.237106448	1.237106448	NUM
framr-1745	214	17	1.123181268	1.123181268	NUM
framr-1745	214	18	1.360981112	1.360981112	NUM
framr-1745	214	19	age	age	NOUN
framr-1745	214	20	1.021487334	1.021487334	NUM
framr-1745	214	21	1.016160736	1.016160736	NUM
framr-1745	214	22	1.026853299	1.026853299	NUM
framr-1745	214	23	now	now	ADV
framr-1745	214	24	the	the	DET
framr-1745	214	25	following	follow	VERB
framr-1745	214	26	interpretations	interpretation	NOUN
framr-1745	214	27	follow	follow	VERB
framr-1745	214	28	:	:	PUNCT
framr-1745	214	29	•	•	NOUN
framr-1745	214	30	for	for	ADP
framr-1745	214	31	a	a	DET
framr-1745	214	32	one	one	NUM
framr-1745	214	33	unit	unit	NOUN
framr-1745	214	34	increase	increase	NOUN
framr-1745	214	35	in	in	ADP
framr-1745	214	36	age	age	NOUN
framr-1745	214	37	,	,	PUNCT
framr-1745	214	38	the	the	DET
framr-1745	214	39	odds	odd	NOUN
framr-1745	214	40	of	of	ADP
framr-1745	214	41	being	be	AUX
framr-1745	214	42	insured	insure	VERB
framr-1745	214	43	(	(	PUNCT
framr-1745	214	44	versus	versus	ADP
framr-1745	214	45	not	not	PART
framr-1745	214	46	being	be	AUX
framr-1745	214	47	insured	insure	VERB
framr-1745	214	48	)	)	PUNCT
framr-1745	214	49	increase	increase	NOUN
framr-1745	214	50	by	by	ADP
framr-1745	214	51	a	a	DET
framr-1745	214	52	factor	factor	NOUN
framr-1745	214	53	of	of	ADP
framr-1745	214	54	1.021	1.021	NUM
framr-1745	214	55	(	(	PUNCT
framr-1745	214	56	1.021	1.021	NUM
framr-1745	214	57	–	–	SYM
framr-1745	214	58	1.000	1.000	NUM
framr-1745	214	59	=	=	SYM
framr-1745	214	60	0.021	0.021	NUM
framr-1745	214	61	)	)	PUNCT
framr-1745	214	62	,	,	PUNCT
framr-1745	214	63	that	that	PRON
framr-1745	214	64	is	be	AUX
framr-1745	214	65	about	about	ADV
framr-1745	214	66	2.1	2.1	NUM
framr-1745	214	67	%	%	NOUN
framr-1745	214	68	increase	increase	NOUN
framr-1745	214	69	in	in	ADP
framr-1745	214	70	the	the	DET
framr-1745	214	71	likelihood	likelihood	NOUN
framr-1745	214	72	to	to	PART
framr-1745	214	73	obtain	obtain	VERB
framr-1745	214	74	an	an	DET
framr-1745	214	75	insurance	insurance	NOUN
framr-1745	214	76	cover	cover	NOUN
framr-1745	214	77	.	.	PUNCT
framr-1745	215	1	•	•	PUNCT
framr-1745	216	1	moving	move	VERB
framr-1745	216	2	from	from	ADP
framr-1745	216	3	no	no	DET
framr-1745	216	4	education	education	NOUN
framr-1745	216	5	to	to	ADP
framr-1745	216	6	higher	high	ADJ
framr-1745	216	7	education	education	NOUN
framr-1745	216	8	increases	increase	VERB
framr-1745	216	9	the	the	DET
framr-1745	216	10	odds	odd	NOUN
framr-1745	216	11	of	of	ADP
framr-1745	216	12	being	be	AUX
framr-1745	216	13	insured	insure	VERB
framr-1745	216	14	by	by	ADP
framr-1745	216	15	a	a	DET
framr-1745	216	16	factor	factor	NOUN
framr-1745	216	17	of	of	ADP
framr-1745	216	18	22.66	22.66	NUM
framr-1745	216	19	(	(	PUNCT
framr-1745	216	20	22.66	22.66	NUM
framr-1745	216	21	–	–	PUNCT
framr-1745	216	22	1.00	1.00	NUM
framr-1745	216	23	=	=	SYM
framr-1745	216	24	21.66	21.66	NUM
framr-1745	216	25	)	)	PUNCT
framr-1745	216	26	,	,	PUNCT
framr-1745	216	27	that	that	PRON
framr-1745	216	28	is	be	AUX
framr-1745	216	29	about	about	ADV
framr-1745	216	30	2166	2166	NUM
framr-1745	216	31	%	%	NOUN
framr-1745	216	32	increase	increase	NOUN
framr-1745	216	33	in	in	ADP
framr-1745	216	34	the	the	DET
framr-1745	216	35	likelihood	likelihood	NOUN
framr-1745	216	36	to	to	PART
framr-1745	216	37	obtain	obtain	VERB
framr-1745	216	38	an	an	DET
framr-1745	216	39	insurance	insurance	NOUN
framr-1745	216	40	cover	cover	NOUN
framr-1745	216	41	.	.	PUNCT
framr-1745	217	1	•	•	PUNCT
framr-1745	218	1	moving	move	VERB
framr-1745	218	2	from	from	ADP
framr-1745	218	3	no	no	DET
framr-1745	218	4	education	education	NOUN
framr-1745	218	5	to	to	ADP
framr-1745	218	6	secondary	secondary	ADJ
framr-1745	218	7	education	education	NOUN
framr-1745	218	8	increases	increase	VERB
framr-1745	218	9	the	the	DET
framr-1745	218	10	odds	odd	NOUN
framr-1745	218	11	of	of	ADP
framr-1745	218	12	being	be	AUX
framr-1745	218	13	insured	insure	VERB
framr-1745	218	14	by	by	ADP
framr-1745	218	15	a	a	DET
framr-1745	218	16	factor	factor	NOUN
framr-1745	218	17	of	of	ADP
framr-1745	218	18	3.63	3.63	NUM
framr-1745	218	19	(	(	PUNCT
framr-1745	218	20	3.63	3.63	NUM
framr-1745	218	21	–	–	PUNCT
framr-1745	218	22	1.00	1.00	NUM
framr-1745	218	23	=	=	SYM
framr-1745	218	24	2.63	2.63	NUM
framr-1745	218	25	)	)	PUNCT
framr-1745	218	26	,	,	PUNCT
framr-1745	218	27	that	that	PRON
framr-1745	218	28	is	be	AUX
framr-1745	218	29	about	about	ADV
framr-1745	218	30	263	263	NUM
framr-1745	218	31	%	%	NOUN
framr-1745	218	32	increase	increase	NOUN
framr-1745	218	33	in	in	ADP
framr-1745	218	34	the	the	DET
framr-1745	218	35	likelihood	likelihood	NOUN
framr-1745	218	36	to	to	PART
framr-1745	218	37	obtain	obtain	VERB
framr-1745	218	38	an	an	DET
framr-1745	218	39	insurance	insurance	NOUN
framr-1745	218	40	cover	cover	NOUN
framr-1745	218	41	.	.	PUNCT
framr-1745	219	1	•	•	PUNCT
framr-1745	220	1	moving	move	VERB
framr-1745	220	2	from	from	ADP
framr-1745	220	3	no	no	DET
framr-1745	220	4	education	education	NOUN
framr-1745	220	5	to	to	ADP
framr-1745	220	6	primary	primary	ADJ
framr-1745	220	7	education	education	NOUN
framr-1745	220	8	has	have	VERB
framr-1745	220	9	an	an	DET
framr-1745	220	10	impact	impact	NOUN
framr-1745	220	11	which	which	PRON
framr-1745	220	12	is	be	AUX
framr-1745	220	13	not	not	PART
framr-1745	220	14	statistically	statistically	ADV
framr-1745	220	15	significant	significant	ADJ
framr-1745	220	16	.	.	PUNCT
framr-1745	221	1	thus	thus	ADV
framr-1745	221	2	,	,	PUNCT
framr-1745	221	3	we	we	PRON
framr-1745	221	4	do	do	AUX
framr-1745	221	5	not	not	PART
framr-1745	221	6	report	report	VERB
framr-1745	221	7	the	the	DET
framr-1745	221	8	odds	odd	NOUN
framr-1745	221	9	ratio	ratio	NOUN
framr-1745	221	10	.	.	PUNCT
framr-1745	222	1	•	•	NUM
framr-1745	222	2	odds	odd	NOUN
framr-1745	222	3	of	of	ADP
framr-1745	222	4	being	be	AUX
framr-1745	222	5	insured	insure	VERB
framr-1745	222	6	increases	increase	NOUN
framr-1745	222	7	by	by	ADP
framr-1745	222	8	1.24	1.24	NUM
framr-1745	222	9	(	(	PUNCT
framr-1745	222	10	1.24	1.24	NUM
framr-1745	222	11	–	–	PUNCT
framr-1745	222	12	1.00	1.00	NUM
framr-1745	222	13	=	=	SYM
framr-1745	222	14	0.24	0.24	NUM
framr-1745	222	15	)	)	PUNCT
framr-1745	222	16	when	when	SCONJ
framr-1745	222	17	moving	move	VERB
framr-1745	222	18	from	from	ADP
framr-1745	222	19	employed	employ	VERB
framr-1745	222	20	individual	individual	NOUN
framr-1745	222	21	to	to	ADP
framr-1745	222	22	unemployed	unemployed	ADJ
framr-1745	222	23	individual	individual	NOUN
framr-1745	222	24	.	.	PUNCT
framr-1745	223	1	this	this	PRON
framr-1745	223	2	means	mean	VERB
framr-1745	223	3	that	that	SCONJ
framr-1745	223	4	there	there	PRON
framr-1745	223	5	will	will	AUX
framr-1745	223	6	be	be	AUX
framr-1745	223	7	76	76	NUM
framr-1745	223	8	%	%	NOUN
framr-1745	223	9	increase	increase	NOUN
framr-1745	223	10	in	in	ADP
framr-1745	223	11	the	the	DET
framr-1745	223	12	likelihood	likelihood	NOUN
framr-1745	223	13	of	of	ADP
framr-1745	223	14	being	be	AUX
framr-1745	223	15	insured	insure	VERB
framr-1745	223	16	for	for	ADP
framr-1745	223	17	every	every	DET
framr-1745	223	18	one	one	NUM
framr-1745	223	19	unit	unit	NOUN
framr-1745	223	20	increase	increase	NOUN
framr-1745	223	21	in	in	ADP
framr-1745	223	22	the	the	DET
framr-1745	223	23	number	number	NOUN
framr-1745	223	24	of	of	ADP
framr-1745	223	25	employed	employ	VERB
framr-1745	223	26	people	people	NOUN
framr-1745	223	27	in	in	ADP
framr-1745	223	28	nigeria	nigeria	PROPN
framr-1745	223	29	.	.	PUNCT
framr-1745	224	1	financial	financial	ADJ
framr-1745	224	2	risk	risk	NOUN
framr-1745	224	3	and	and	CCONJ
framr-1745	224	4	management	management	NOUN
framr-1745	224	5	reviews	review	NOUN
framr-1745	224	6	,	,	PUNCT
framr-1745	224	7	2021	2021	NUM
framr-1745	224	8	,	,	PUNCT
framr-1745	224	9	7(1	7(1	NUM
framr-1745	224	10	):	):	PUNCT
framr-1745	224	11	50	50	NUM
framr-1745	224	12	-	-	SYM
framr-1745	224	13	59	59	NUM
framr-1745	224	14	57	57	NUM
framr-1745	224	15	©	©	PROPN
framr-1745	224	16	2021	2021	NUM
framr-1745	224	17	conscientia	conscientia	PROPN
framr-1745	224	18	beam	beam	PROPN
framr-1745	224	19	.	.	PUNCT
framr-1745	225	1	all	all	DET
framr-1745	225	2	rights	right	NOUN
framr-1745	225	3	reserved	reserve	VERB
framr-1745	225	4	.	.	PUNCT
framr-1745	226	1	the	the	DET
framr-1745	226	2	model	model	NOUN
framr-1745	226	3	summary	summary	NOUN
framr-1745	226	4	table	table	NOUN
framr-1745	226	5	is	be	AUX
framr-1745	226	6	displayed	display	VERB
framr-1745	226	7	in	in	ADP
framr-1745	226	8	table	table	NOUN
framr-1745	226	9	9	9	NUM
framr-1745	226	10	.	.	PUNCT
framr-1745	227	1	the	the	DET
framr-1745	227	2	nagelkerke	nagelkerke	NOUN
framr-1745	227	3	r	r	NOUN
framr-1745	227	4	-	-	PUNCT
framr-1745	227	5	square	square	NOUN
framr-1745	227	6	indicates	indicate	VERB
framr-1745	227	7	that	that	SCONJ
framr-1745	227	8	16.3	16.3	NUM
framr-1745	227	9	%	%	NOUN
framr-1745	227	10	of	of	ADP
framr-1745	227	11	the	the	DET
framr-1745	227	12	total	total	ADJ
framr-1745	227	13	variations	variation	NOUN
framr-1745	227	14	in	in	ADP
framr-1745	227	15	insurance	insurance	NOUN
framr-1745	227	16	cover	cover	NOUN
framr-1745	227	17	are	be	AUX
framr-1745	227	18	present	present	ADJ
framr-1745	227	19	due	due	ADP
framr-1745	227	20	to	to	ADP
framr-1745	227	21	the	the	DET
framr-1745	227	22	variations	variation	NOUN
framr-1745	227	23	among	among	ADP
framr-1745	227	24	the	the	DET
framr-1745	227	25	three	three	NUM
framr-1745	227	26	predictor	predictor	NOUN
framr-1745	227	27	variables	variable	NOUN
framr-1745	227	28	.	.	PUNCT
framr-1745	228	1	table-9	table-9	NOUN
framr-1745	228	2	.	.	PUNCT
framr-1745	228	3	model	model	NOUN
framr-1745	228	4	summary	summary	NOUN
framr-1745	228	5	.	.	PUNCT
framr-1745	229	1	step	step	NOUN
framr-1745	229	2	-2	-2	INTJ
framr-1745	230	1	log	log	PROPN
framr-1745	230	2	likelihood	likelihood	PROPN
framr-1745	230	3	cox	cox	PROPN
framr-1745	230	4	&	&	CCONJ
framr-1745	230	5	snell	snell	PROPN
framr-1745	230	6	r	r	PROPN
framr-1745	230	7	square	square	PROPN
framr-1745	230	8	nagelkerke	nagelkerke	PROPN
framr-1745	230	9	r	r	NOUN
framr-1745	230	10	square	square	NOUN
framr-1745	230	11	1	1	NUM
framr-1745	230	12	23266.995a	23266.995a	NUM
framr-1745	230	13	0.033	0.033	NUM
framr-1745	230	14	0.163	0.163	NUM
framr-1745	230	15	further	far	ADV
framr-1745	230	16	,	,	PUNCT
framr-1745	230	17	graphs	graph	NOUN
framr-1745	230	18	of	of	ADP
framr-1745	230	19	predicted	predict	VERB
framr-1745	230	20	probabilities	probability	NOUN
framr-1745	230	21	are	be	AUX
framr-1745	230	22	used	use	VERB
framr-1745	230	23	to	to	PART
framr-1745	230	24	understand	understand	VERB
framr-1745	230	25	and/or	and/or	CCONJ
framr-1745	230	26	present	present	VERB
framr-1745	230	27	the	the	DET
framr-1745	230	28	model	model	NOUN
framr-1745	230	29	.	.	PUNCT
framr-1745	231	1	therefore	therefore	ADV
framr-1745	231	2	,	,	PUNCT
framr-1745	231	3	the	the	DET
framr-1745	231	4	plot	plot	NOUN
framr-1745	231	5	with	with	ADP
framr-1745	231	6	the	the	DET
framr-1745	231	7	predicted	predict	VERB
framr-1745	231	8	probabilities	probability	NOUN
framr-1745	231	9	is	be	AUX
framr-1745	231	10	presented	present	VERB
framr-1745	231	11	in	in	ADP
framr-1745	231	12	figure	figure	NOUN
framr-1745	231	13	2	2	NUM
framr-1745	231	14	.	.	PUNCT
framr-1745	231	15	recall	recall	VERB
framr-1745	231	16	that	that	SCONJ
framr-1745	231	17	1	1	NUM
framr-1745	231	18	represents	represent	VERB
framr-1745	231	19	higher	high	ADJ
framr-1745	231	20	education	education	NOUN
framr-1745	231	21	,	,	PUNCT
framr-1745	231	22	2	2	NUM
framr-1745	231	23	represents	represent	VERB
framr-1745	231	24	secondary	secondary	ADJ
framr-1745	231	25	education	education	NOUN
framr-1745	231	26	,	,	PUNCT
framr-1745	231	27	3	3	NUM
framr-1745	231	28	represents	represent	VERB
framr-1745	231	29	primary	primary	ADJ
framr-1745	231	30	education	education	NOUN
framr-1745	231	31	and	and	CCONJ
framr-1745	231	32	4	4	NUM
framr-1745	231	33	represents	represent	VERB
framr-1745	231	34	no	no	DET
framr-1745	231	35	formal	formal	ADJ
framr-1745	231	36	education	education	NOUN
framr-1745	231	37	in	in	ADP
framr-1745	231	38	the	the	DET
framr-1745	231	39	levels	level	NOUN
framr-1745	231	40	of	of	ADP
framr-1745	231	41	education	education	NOUN
framr-1745	231	42	as	as	SCONJ
framr-1745	231	43	displayed	display	VERB
framr-1745	231	44	.	.	PUNCT
framr-1745	232	1	the	the	DET
framr-1745	232	2	plot	plot	NOUN
framr-1745	232	3	in	in	ADP
framr-1745	232	4	figure	figure	NOUN
framr-1745	232	5	2	2	NUM
framr-1745	232	6	shows	show	VERB
framr-1745	232	7	that	that	SCONJ
framr-1745	232	8	the	the	DET
framr-1745	232	9	model	model	NOUN
framr-1745	232	10	predicted	predict	VERB
framr-1745	232	11	probabilities	probability	NOUN
framr-1745	232	12	for	for	ADP
framr-1745	232	13	insurance	insurance	NOUN
framr-1745	232	14	cover	cover	NOUN
framr-1745	232	15	increases	increase	NOUN
framr-1745	232	16	significantly	significantly	ADV
framr-1745	232	17	with	with	ADP
framr-1745	232	18	age	age	NOUN
framr-1745	232	19	for	for	ADP
framr-1745	232	20	only	only	ADV
framr-1745	232	21	those	those	PRON
framr-1745	232	22	that	that	PRON
framr-1745	232	23	are	be	AUX
framr-1745	232	24	with	with	ADP
framr-1745	232	25	higher	high	ADJ
framr-1745	232	26	education	education	NOUN
framr-1745	232	27	,	,	PUNCT
framr-1745	232	28	followed	follow	VERB
framr-1745	232	29	by	by	ADP
framr-1745	232	30	those	those	PRON
framr-1745	232	31	with	with	ADP
framr-1745	232	32	secondary	secondary	ADJ
framr-1745	232	33	school	school	NOUN
framr-1745	232	34	education	education	NOUN
framr-1745	232	35	while	while	SCONJ
framr-1745	232	36	it	it	PRON
framr-1745	232	37	remained	remain	VERB
framr-1745	232	38	almost	almost	ADV
framr-1745	232	39	the	the	DET
framr-1745	232	40	same	same	ADJ
framr-1745	232	41	for	for	ADP
framr-1745	232	42	those	those	PRON
framr-1745	232	43	with	with	ADP
framr-1745	232	44	primary	primary	ADJ
framr-1745	232	45	education	education	NOUN
framr-1745	232	46	or	or	CCONJ
framr-1745	232	47	no	no	DET
framr-1745	232	48	formal	formal	ADJ
framr-1745	232	49	education	education	NOUN
framr-1745	232	50	at	at	ADV
framr-1745	232	51	all	all	ADV
framr-1745	232	52	.	.	PUNCT
framr-1745	233	1	figure-2	figure-2	X
framr-1745	233	2	.	.	PUNCT
framr-1745	234	1	plot	plot	NOUN
framr-1745	234	2	of	of	ADP
framr-1745	234	3	the	the	DET
framr-1745	234	4	predicted	predict	VERB
framr-1745	234	5	probabilities	probability	NOUN
framr-1745	234	6	.	.	PUNCT
framr-1745	235	1	4	4	X
framr-1745	235	2	.	.	X
framr-1745	235	3	summary	summary	NOUN
framr-1745	235	4	,	,	PUNCT
framr-1745	235	5	conclusion	conclusion	NOUN
framr-1745	235	6	and	and	CCONJ
framr-1745	235	7	recommendation	recommendation	NOUN
framr-1745	235	8	this	this	DET
framr-1745	235	9	section	section	NOUN
framr-1745	235	10	discusses	discuss	VERB
framr-1745	235	11	the	the	DET
framr-1745	235	12	summary	summary	NOUN
framr-1745	235	13	of	of	ADP
framr-1745	235	14	the	the	DET
framr-1745	235	15	findings	finding	NOUN
framr-1745	235	16	of	of	ADP
framr-1745	235	17	this	this	DET
framr-1745	235	18	work	work	NOUN
framr-1745	235	19	,	,	PUNCT
framr-1745	235	20	the	the	DET
framr-1745	235	21	conclusion	conclusion	NOUN
framr-1745	235	22	based	base	VERB
framr-1745	235	23	on	on	ADP
framr-1745	235	24	the	the	DET
framr-1745	235	25	findings	finding	NOUN
framr-1745	235	26	and	and	CCONJ
framr-1745	235	27	recommendations	recommendation	NOUN
framr-1745	235	28	.	.	PUNCT
framr-1745	236	1	4.1	4.1	NUM
framr-1745	236	2	.	.	PUNCT
framr-1745	237	1	summary	summary	VERB
framr-1745	237	2	the	the	DET
framr-1745	237	3	binary	binary	PROPN
framr-1745	237	4	logistic	logistic	PROPN
framr-1745	237	5	regression	regression	NOUN
framr-1745	237	6	model	model	NOUN
framr-1745	237	7	was	be	AUX
framr-1745	237	8	used	use	VERB
framr-1745	237	9	to	to	PART
framr-1745	237	10	model	model	VERB
framr-1745	237	11	the	the	DET
framr-1745	237	12	described	describe	VERB
framr-1745	237	13	dataset	dataset	NOUN
framr-1745	237	14	;	;	PUNCT
framr-1745	237	15	the	the	DET
framr-1745	237	16	model	model	NOUN
framr-1745	237	17	so	so	ADV
framr-1745	237	18	obtained	obtain	VERB
framr-1745	237	19	was	be	AUX
framr-1745	237	20	statistically	statistically	ADV
framr-1745	237	21	significant	significant	ADJ
framr-1745	237	22	.	.	PUNCT
framr-1745	238	1	all	all	DET
framr-1745	238	2	the	the	DET
framr-1745	238	3	levels	level	NOUN
framr-1745	238	4	of	of	ADP
framr-1745	238	5	education	education	NOUN
framr-1745	238	6	were	be	AUX
framr-1745	238	7	statistically	statistically	ADV
framr-1745	238	8	significant	significant	ADJ
framr-1745	238	9	in	in	ADP
framr-1745	238	10	predicting	predict	VERB
framr-1745	238	11	the	the	DET
framr-1745	238	12	odds	odd	NOUN
framr-1745	238	13	of	of	ADP
framr-1745	238	14	having	have	VERB
framr-1745	238	15	insurance	insurance	NOUN
framr-1745	238	16	cover	cover	NOUN
framr-1745	238	17	except	except	SCONJ
framr-1745	238	18	for	for	ADP
framr-1745	238	19	primary	primary	ADJ
framr-1745	238	20	education	education	NOUN
framr-1745	238	21	level	level	NOUN
framr-1745	238	22	.	.	PUNCT
framr-1745	239	1	this	this	PRON
framr-1745	239	2	may	may	AUX
framr-1745	239	3	be	be	AUX
framr-1745	239	4	because	because	SCONJ
framr-1745	239	5	primary	primary	ADJ
framr-1745	239	6	education	education	NOUN
framr-1745	239	7	level	level	NOUN
framr-1745	239	8	is	be	AUX
framr-1745	239	9	not	not	PART
framr-1745	239	10	enough	enough	ADJ
framr-1745	239	11	for	for	SCONJ
framr-1745	239	12	the	the	DET
framr-1745	239	13	individual	individual	NOUN
framr-1745	239	14	to	to	PART
framr-1745	239	15	fully	fully	ADV
framr-1745	239	16	understand	understand	VERB
framr-1745	239	17	the	the	DET
framr-1745	239	18	dividends	dividend	NOUN
framr-1745	239	19	of	of	ADP
framr-1745	239	20	insurance	insurance	NOUN
framr-1745	239	21	cover	cover	NOUN
framr-1745	239	22	.	.	PUNCT
framr-1745	240	1	also	also	ADV
framr-1745	240	2	,	,	PUNCT
framr-1745	240	3	employment	employment	NOUN
framr-1745	240	4	status	status	NOUN
framr-1745	240	5	and	and	CCONJ
framr-1745	240	6	age	age	NOUN
framr-1745	240	7	were	be	AUX
framr-1745	240	8	statistically	statistically	ADV
framr-1745	240	9	significant	significant	ADJ
framr-1745	240	10	in	in	ADP
framr-1745	240	11	predicting	predict	VERB
framr-1745	240	12	the	the	DET
framr-1745	240	13	likelihood	likelihood	NOUN
framr-1745	240	14	for	for	ADP
framr-1745	240	15	insurance	insurance	NOUN
framr-1745	240	16	cover	cover	NOUN
framr-1745	240	17	in	in	ADP
framr-1745	240	18	nigeria	nigeria	PROPN
framr-1745	240	19	.	.	PUNCT
framr-1745	241	1	based	base	VERB
framr-1745	241	2	on	on	ADP
framr-1745	241	3	the	the	DET
framr-1745	241	4	findings	finding	NOUN
framr-1745	241	5	of	of	ADP
framr-1745	241	6	results	result	NOUN
framr-1745	241	7	of	of	ADP
framr-1745	241	8	this	this	DET
framr-1745	241	9	work	work	NOUN
framr-1745	241	10	in	in	ADP
framr-1745	241	11	section	section	NOUN
framr-1745	241	12	3	3	NUM
framr-1745	241	13	,	,	PUNCT
framr-1745	241	14	the	the	DET
framr-1745	241	15	answers	answer	NOUN
framr-1745	241	16	to	to	ADP
framr-1745	241	17	our	our	PRON
framr-1745	241	18	research	research	NOUN
framr-1745	241	19	objectives	objective	NOUN
framr-1745	241	20	follow	follow	VERB
framr-1745	241	21	:	:	PUNCT
framr-1745	241	22	financial	financial	ADJ
framr-1745	241	23	risk	risk	NOUN
framr-1745	241	24	and	and	CCONJ
framr-1745	241	25	management	management	NOUN
framr-1745	241	26	reviews	review	NOUN
framr-1745	241	27	,	,	PUNCT
framr-1745	241	28	2021	2021	NUM
framr-1745	241	29	,	,	PUNCT
framr-1745	241	30	7(1	7(1	NUM
framr-1745	241	31	):	):	PUNCT
framr-1745	241	32	50	50	NUM
framr-1745	241	33	-	-	SYM
framr-1745	241	34	59	59	NUM
framr-1745	241	35	58	58	NUM
framr-1745	241	36	©	©	PROPN
framr-1745	241	37	2021	2021	NUM
framr-1745	241	38	conscientia	conscientia	PROPN
framr-1745	241	39	beam	beam	PROPN
framr-1745	241	40	.	.	PUNCT
framr-1745	242	1	all	all	DET
framr-1745	242	2	rights	right	NOUN
framr-1745	242	3	reserved	reserve	VERB
framr-1745	242	4	.	.	PUNCT
framr-1745	243	1	table-10	table-10	PROPN
framr-1745	243	2	.	.	PROPN
framr-1745	243	3	summary	summary	NOUN
framr-1745	243	4	of	of	ADP
framr-1745	243	5	findings	finding	NOUN
framr-1745	243	6	.	.	PUNCT
framr-1745	244	1	variable	variable	ADJ
framr-1745	244	2	relative	relative	ADJ
framr-1745	244	3	risk	risk	NOUN
framr-1745	244	4	(	(	PUNCT
framr-1745	244	5	p	p	NOUN
framr-1745	244	6	-	-	PUNCT
framr-1745	244	7	value	value	NOUN
framr-1745	244	8	)	)	PUNCT
framr-1745	244	9	interpretation	interpretation	NOUN
framr-1745	244	10	higher	high	ADJ
framr-1745	244	11	education	education	NOUN
framr-1745	244	12	21.66	21.66	NUM
framr-1745	244	13	(	(	PUNCT
framr-1745	244	14	significant	significant	ADJ
framr-1745	244	15	at	at	ADP
framr-1745	244	16	5	5	NUM
framr-1745	244	17	%	%	NOUN
framr-1745	244	18	)	)	PUNCT
framr-1745	245	1	this	this	PRON
framr-1745	245	2	means	mean	VERB
framr-1745	245	3	that	that	SCONJ
framr-1745	245	4	individuals	individual	NOUN
framr-1745	245	5	who	who	PRON
framr-1745	245	6	move	move	VERB
framr-1745	245	7	from	from	ADP
framr-1745	245	8	no	no	DET
framr-1745	245	9	formal	formal	ADJ
framr-1745	245	10	education	education	NOUN
framr-1745	245	11	to	to	PART
framr-1745	245	12	obtain	obtain	VERB
framr-1745	245	13	higher	high	ADJ
framr-1745	245	14	education	education	NOUN
framr-1745	245	15	level	level	NOUN
framr-1745	245	16	are	be	AUX
framr-1745	245	17	21.66	21.66	NUM
framr-1745	245	18	times	time	NOUN
framr-1745	245	19	more	more	ADV
framr-1745	245	20	likely	likely	ADJ
framr-1745	245	21	to	to	PART
framr-1745	245	22	obtain	obtain	VERB
framr-1745	245	23	an	an	DET
framr-1745	245	24	insurance	insurance	NOUN
framr-1745	245	25	cover	cover	NOUN
framr-1745	245	26	.	.	PUNCT
framr-1745	246	1	secondary	secondary	ADJ
framr-1745	246	2	education	education	NOUN
framr-1745	246	3	2.63(significant	2.63(significant	NUM
framr-1745	246	4	at	at	ADP
framr-1745	246	5	5	5	NUM
framr-1745	246	6	%	%	NOUN
framr-1745	246	7	)	)	PUNCT
framr-1745	247	1	this	this	PRON
framr-1745	247	2	means	mean	VERB
framr-1745	247	3	that	that	SCONJ
framr-1745	247	4	individuals	individual	NOUN
framr-1745	247	5	who	who	PRON
framr-1745	247	6	move	move	VERB
framr-1745	247	7	from	from	ADP
framr-1745	247	8	no	no	DET
framr-1745	247	9	formal	formal	ADJ
framr-1745	247	10	education	education	NOUN
framr-1745	247	11	to	to	PART
framr-1745	247	12	obtain	obtain	VERB
framr-1745	247	13	secondary	secondary	ADJ
framr-1745	247	14	education	education	NOUN
framr-1745	247	15	level	level	NOUN
framr-1745	247	16	are	be	AUX
framr-1745	247	17	2.63	2.63	NUM
framr-1745	247	18	times	time	NOUN
framr-1745	247	19	more	more	ADV
framr-1745	247	20	likely	likely	ADJ
framr-1745	247	21	to	to	PART
framr-1745	247	22	obtain	obtain	VERB
framr-1745	247	23	an	an	DET
framr-1745	247	24	insurance	insurance	NOUN
framr-1745	247	25	cover	cover	NOUN
framr-1745	247	26	.	.	PUNCT
framr-1745	248	1	primary	primary	ADJ
framr-1745	248	2	school	school	NOUN
framr-1745	248	3	1.03	1.03	NUM
framr-1745	248	4	(	(	PUNCT
framr-1745	248	5	not	not	PART
framr-1745	248	6	significant	significant	ADJ
framr-1745	248	7	at	at	ADP
framr-1745	248	8	5	5	NUM
framr-1745	248	9	%	%	NOUN
framr-1745	248	10	)	)	PUNCT
framr-1745	249	1	the	the	DET
framr-1745	249	2	odd	odd	ADJ
framr-1745	249	3	ratio	ratio	NOUN
framr-1745	249	4	is	be	AUX
framr-1745	249	5	not	not	PART
framr-1745	249	6	significant	significant	ADJ
framr-1745	249	7	and	and	CCONJ
framr-1745	249	8	therefore	therefore	ADV
framr-1745	249	9	should	should	AUX
framr-1745	249	10	not	not	PART
framr-1745	249	11	be	be	AUX
framr-1745	249	12	interpreted	interpret	VERB
framr-1745	249	13	.	.	PUNCT
framr-1745	250	1	employment	employment	NOUN
framr-1745	250	2	status	status	NOUN
framr-1745	250	3	1.24	1.24	NUM
framr-1745	250	4	(	(	PUNCT
framr-1745	250	5	significant	significant	ADJ
framr-1745	250	6	at	at	ADP
framr-1745	250	7	5	5	NUM
framr-1745	250	8	%	%	NOUN
framr-1745	250	9	)	)	PUNCT
framr-1745	251	1	this	this	PRON
framr-1745	251	2	means	mean	VERB
framr-1745	251	3	that	that	SCONJ
framr-1745	251	4	individuals	individual	NOUN
framr-1745	251	5	who	who	PRON
framr-1745	251	6	move	move	VERB
framr-1745	251	7	from	from	ADP
framr-1745	251	8	being	be	AUX
framr-1745	251	9	unemployed	unemployed	ADJ
framr-1745	251	10	to	to	ADP
framr-1745	251	11	being	be	AUX
framr-1745	251	12	employed	employ	VERB
framr-1745	251	13	are	be	AUX
framr-1745	251	14	76	76	NUM
framr-1745	251	15	%	%	NOUN
framr-1745	251	16	that	that	PRON
framr-1745	251	17	is	be	AUX
framr-1745	251	18	1	1	NUM
framr-1745	251	19	(	(	PUNCT
framr-1745	251	20	1.24	1.24	NUM
framr-1745	251	21	–	–	PUNCT
framr-1745	251	22	1.00	1.00	NUM
framr-1745	251	23	=	=	SYM
framr-1745	251	24	0.24	0.24	NUM
framr-1745	251	25	)	)	PUNCT
framr-1745	251	26	=	=	SYM
framr-1745	252	1	76	76	NUM
framr-1745	252	2	%	%	NOUN
framr-1745	252	3	more	more	ADV
framr-1745	252	4	likely	likely	ADJ
framr-1745	252	5	to	to	PART
framr-1745	252	6	obtain	obtain	VERB
framr-1745	252	7	an	an	DET
framr-1745	252	8	insurance	insurance	NOUN
framr-1745	252	9	cover	cover	NOUN
framr-1745	252	10	.	.	PUNCT
framr-1745	253	1	the	the	DET
framr-1745	253	2	subtraction	subtraction	NOUN
framr-1745	253	3	from	from	ADP
framr-1745	253	4	1	1	NUM
framr-1745	253	5	is	be	AUX
framr-1745	253	6	because	because	SCONJ
framr-1745	253	7	the	the	DET
framr-1745	253	8	reference	reference	NOUN
framr-1745	253	9	level	level	NOUN
framr-1745	253	10	was	be	AUX
framr-1745	253	11	unemployed	unemployed	ADJ
framr-1745	253	12	status	status	NOUN
framr-1745	253	13	.	.	PUNCT
framr-1745	254	1	respondent	respondent	NOUN
framr-1745	254	2	’s	’s	PART
framr-1745	254	3	age	age	NOUN
framr-1745	254	4	2.1	2.1	NUM
framr-1745	254	5	(	(	PUNCT
framr-1745	254	6	significant	significant	ADJ
framr-1745	254	7	at	at	ADP
framr-1745	254	8	5	5	NUM
framr-1745	254	9	%	%	NOUN
framr-1745	254	10	)	)	PUNCT
framr-1745	255	1	this	this	PRON
framr-1745	255	2	means	mean	VERB
framr-1745	255	3	that	that	SCONJ
framr-1745	255	4	increasing	increase	VERB
framr-1745	255	5	age	age	NOUN
framr-1745	255	6	increases	increase	VERB
framr-1745	255	7	the	the	DET
framr-1745	255	8	odds	odd	NOUN
framr-1745	255	9	of	of	ADP
framr-1745	255	10	obtaining	obtain	VERB
framr-1745	255	11	of	of	ADP
framr-1745	255	12	obtaining	obtain	VERB
framr-1745	255	13	insurance	insurance	NOUN
framr-1745	255	14	cover	cover	NOUN
framr-1745	255	15	by	by	ADP
framr-1745	255	16	2.1	2.1	NUM
framr-1745	255	17	.	.	PUNCT
framr-1745	256	1	finally	finally	ADV
framr-1745	256	2	,	,	PUNCT
framr-1745	256	3	16.3	16.3	NUM
framr-1745	256	4	%	%	NOUN
framr-1745	256	5	of	of	ADP
framr-1745	256	6	the	the	DET
framr-1745	256	7	total	total	ADJ
framr-1745	256	8	variations	variation	NOUN
framr-1745	256	9	in	in	ADP
framr-1745	256	10	the	the	DET
framr-1745	256	11	classification	classification	NOUN
framr-1745	256	12	of	of	ADP
framr-1745	256	13	whether	whether	SCONJ
framr-1745	256	14	or	or	CCONJ
framr-1745	256	15	not	not	PART
framr-1745	256	16	an	an	DET
framr-1745	256	17	individual	individual	NOUN
framr-1745	256	18	has	have	AUX
framr-1745	256	19	an	an	DET
framr-1745	256	20	insurance	insurance	NOUN
framr-1745	256	21	cover	cover	NOUN
framr-1745	256	22	in	in	ADP
framr-1745	256	23	nigeria	nigeria	PROPN
framr-1745	256	24	occurred	occur	VERB
framr-1745	256	25	due	due	ADP
framr-1745	256	26	to	to	ADP
framr-1745	256	27	the	the	DET
framr-1745	256	28	variations	variation	NOUN
framr-1745	256	29	among	among	ADP
framr-1745	256	30	the	the	DET
framr-1745	256	31	three	three	NUM
framr-1745	256	32	predictor	predictor	NOUN
framr-1745	256	33	variables	variable	NOUN
framr-1745	256	34	(	(	PUNCT
framr-1745	256	35	education	education	NOUN
framr-1745	256	36	level	level	NOUN
framr-1745	256	37	,	,	PUNCT
framr-1745	256	38	employment	employment	NOUN
framr-1745	256	39	status	status	NOUN
framr-1745	256	40	and	and	CCONJ
framr-1745	256	41	age	age	NOUN
framr-1745	256	42	)	)	PUNCT
framr-1745	256	43	,	,	PUNCT
framr-1745	256	44	see	see	VERB
framr-1745	256	45	table	table	NOUN
framr-1745	256	46	9	9	NUM
framr-1745	256	47	.	.	X
framr-1745	256	48	4.2	4.2	NUM
framr-1745	256	49	.	.	PUNCT
framr-1745	257	1	conclusion	conclusion	NOUN
framr-1745	257	2	table	table	NOUN
framr-1745	257	3	10	10	NUM
framr-1745	257	4	has	have	AUX
framr-1745	257	5	revealed	reveal	VERB
framr-1745	257	6	that	that	SCONJ
framr-1745	257	7	the	the	DET
framr-1745	257	8	likelihood	likelihood	NOUN
framr-1745	257	9	of	of	ADP
framr-1745	257	10	obtaining	obtain	VERB
framr-1745	257	11	insurance	insurance	NOUN
framr-1745	257	12	cover	cover	NOUN
framr-1745	257	13	increases	increase	NOUN
framr-1745	257	14	for	for	ADP
framr-1745	257	15	those	those	PRON
framr-1745	257	16	at	at	ADP
framr-1745	257	17	the	the	DET
framr-1745	257	18	upper	upper	ADJ
framr-1745	257	19	end	end	NOUN
framr-1745	257	20	of	of	ADP
framr-1745	257	21	the	the	DET
framr-1745	257	22	education	education	NOUN
framr-1745	257	23	distribution	distribution	NOUN
framr-1745	257	24	.	.	PUNCT
framr-1745	258	1	this	this	DET
framr-1745	258	2	particular	particular	ADJ
framr-1745	258	3	finding	finding	NOUN
framr-1745	258	4	is	be	AUX
framr-1745	258	5	not	not	PART
framr-1745	258	6	in	in	ADP
framr-1745	258	7	agreement	agreement	NOUN
framr-1745	258	8	with	with	ADP
framr-1745	258	9	the	the	DET
framr-1745	258	10	findings	finding	NOUN
framr-1745	258	11	of	of	ADP
framr-1745	258	12	beck	beck	PROPN
framr-1745	258	13	and	and	CCONJ
framr-1745	258	14	webb	webb	PROPN
framr-1745	258	15	(	(	PUNCT
framr-1745	258	16	2003	2003	NUM
framr-1745	258	17	)	)	PUNCT
framr-1745	258	18	but	but	CCONJ
framr-1745	258	19	in	in	ADP
framr-1745	258	20	agreement	agreement	NOUN
framr-1745	258	21	with	with	ADP
framr-1745	258	22	two	two	NUM
framr-1745	258	23	studies	study	NOUN
framr-1745	258	24	in	in	ADP
framr-1745	258	25	the	the	DET
framr-1745	258	26	preceding	precede	VERB
framr-1745	258	27	year	year	NOUN
framr-1745	258	28	(	(	PUNCT
framr-1745	258	29	burnett	burnett	PROPN
framr-1745	258	30	&	&	CCONJ
framr-1745	258	31	palmer	palmer	PROPN
framr-1745	258	32	,	,	PUNCT
framr-1745	258	33	2004	2004	NUM
framr-1745	258	34	;	;	PUNCT
framr-1745	258	35	hammond	hammond	PROPN
framr-1745	258	36	et	et	PROPN
framr-1745	258	37	al	al	PROPN
framr-1745	258	38	.	.	PROPN
framr-1745	258	39	,	,	PUNCT
framr-1745	258	40	2007	2007	NUM
framr-1745	258	41	;	;	PUNCT
framr-1745	258	42	truett	truett	NOUN
framr-1745	258	43	&	&	CCONJ
framr-1745	258	44	truett	truett	PROPN
framr-1745	258	45	,	,	PUNCT
framr-1745	258	46	2004	2004	NUM
framr-1745	258	47	)	)	PUNCT
framr-1745	258	48	.	.	PUNCT
framr-1745	259	1	it	it	PRON
framr-1745	259	2	is	be	AUX
framr-1745	259	3	also	also	ADV
framr-1745	259	4	observed	observe	VERB
framr-1745	259	5	that	that	SCONJ
framr-1745	259	6	employment	employment	NOUN
framr-1745	259	7	status	status	NOUN
framr-1745	259	8	and	and	CCONJ
framr-1745	259	9	age	age	NOUN
framr-1745	259	10	of	of	ADP
framr-1745	259	11	the	the	DET
framr-1745	259	12	individual	individual	NOUN
framr-1745	259	13	contributes	contribute	VERB
framr-1745	259	14	to	to	ADP
framr-1745	259	15	the	the	DET
framr-1745	259	16	purchase	purchase	NOUN
framr-1745	259	17	of	of	ADP
framr-1745	259	18	insurance	insurance	NOUN
framr-1745	259	19	in	in	ADP
framr-1745	259	20	nigeria	nigeria	PROPN
framr-1745	259	21	.	.	PUNCT
framr-1745	260	1	however	however	ADV
framr-1745	260	2	,	,	PUNCT
framr-1745	260	3	educational	educational	ADJ
framr-1745	260	4	level	level	NOUN
framr-1745	260	5	has	have	VERB
framr-1745	260	6	the	the	DET
framr-1745	260	7	highest	high	ADJ
framr-1745	260	8	impact	impact	NOUN
framr-1745	260	9	(	(	PUNCT
framr-1745	260	10	odds	odd	NOUN
framr-1745	260	11	=	=	SYM
framr-1745	260	12	21.66	21.66	NUM
framr-1745	260	13	)	)	PUNCT
framr-1745	260	14	,	,	PUNCT
framr-1745	260	15	followed	follow	VERB
framr-1745	260	16	by	by	ADP
framr-1745	260	17	age	age	NOUN
framr-1745	260	18	(	(	PUNCT
framr-1745	260	19	odds	odd	NOUN
framr-1745	260	20	=	=	SYM
framr-1745	260	21	2.1	2.1	NUM
framr-1745	260	22	)	)	PUNCT
framr-1745	260	23	and	and	CCONJ
framr-1745	260	24	then	then	ADV
framr-1745	260	25	employment	employment	NOUN
framr-1745	260	26	status	status	NOUN
framr-1745	260	27	(	(	PUNCT
framr-1745	260	28	odds	odd	NOUN
framr-1745	260	29	=	=	NOUN
framr-1745	260	30	0.76	0.76	NUM
framr-1745	260	31	)	)	PUNCT
framr-1745	260	32	.	.	PUNCT
framr-1745	261	1	4.3	4.3	NUM
framr-1745	261	2	.	.	PUNCT
framr-1745	261	3	recommendation	recommendation	NOUN
framr-1745	261	4	it	it	PRON
framr-1745	261	5	has	have	AUX
framr-1745	261	6	been	be	AUX
framr-1745	261	7	revealed	reveal	VERB
framr-1745	261	8	by	by	ADP
framr-1745	261	9	this	this	DET
framr-1745	261	10	study	study	NOUN
framr-1745	261	11	that	that	SCONJ
framr-1745	261	12	there	there	PRON
framr-1745	261	13	is	be	VERB
framr-1745	261	14	need	need	NOUN
framr-1745	261	15	to	to	PART
framr-1745	261	16	put	put	VERB
framr-1745	261	17	more	more	ADJ
framr-1745	261	18	efforts	effort	NOUN
framr-1745	261	19	in	in	ADP
framr-1745	261	20	inclusive	inclusive	ADJ
framr-1745	261	21	and	and	CCONJ
framr-1745	261	22	equitable	equitable	ADJ
framr-1745	261	23	quality	quality	NOUN
framr-1745	261	24	education	education	NOUN
framr-1745	261	25	which	which	PRON
framr-1745	261	26	is	be	AUX
framr-1745	261	27	one	one	NUM
framr-1745	261	28	of	of	ADP
framr-1745	261	29	the	the	DET
framr-1745	261	30	major	major	ADJ
framr-1745	261	31	2030	2030	NUM
framr-1745	261	32	agenda	agenda	NOUN
framr-1745	261	33	for	for	ADP
framr-1745	261	34	sustainable	sustainable	ADJ
framr-1745	261	35	development	development	NOUN
framr-1745	261	36	goals	goal	NOUN
framr-1745	261	37	(	(	PUNCT
framr-1745	261	38	sdg	sdg	NOUN
framr-1745	261	39	)	)	PUNCT
framr-1745	261	40	.	.	PUNCT
framr-1745	262	1	this	this	DET
framr-1745	262	2	particular	particular	ADJ
framr-1745	262	3	sdg	sdg	NOUN
framr-1745	262	4	will	will	AUX
framr-1745	262	5	help	help	VERB
framr-1745	262	6	promote	promote	VERB
framr-1745	262	7	lifelong	lifelong	ADJ
framr-1745	262	8	opportunities	opportunity	NOUN
framr-1745	262	9	for	for	ADP
framr-1745	262	10	all	all	PRON
framr-1745	262	11	,	,	PUNCT
framr-1745	262	12	ensure	ensure	VERB
framr-1745	262	13	that	that	SCONJ
framr-1745	262	14	all	all	DET
framr-1745	262	15	learners	learner	NOUN
framr-1745	262	16	acquire	acquire	VERB
framr-1745	262	17	the	the	DET
framr-1745	262	18	knowledge	knowledge	NOUN
framr-1745	262	19	and	and	CCONJ
framr-1745	262	20	skills	skill	NOUN
framr-1745	262	21	to	to	PART
framr-1745	262	22	promote	promote	VERB
framr-1745	262	23	sustainable	sustainable	ADJ
framr-1745	262	24	development	development	NOUN
framr-1745	262	25	and	and	CCONJ
framr-1745	262	26	increase	increase	VERB
framr-1745	262	27	the	the	DET
framr-1745	262	28	likelihood	likelihood	NOUN
framr-1745	262	29	for	for	ADP
framr-1745	262	30	insurance	insurance	NOUN
framr-1745	262	31	cover	cover	NOUN
framr-1745	262	32	so	so	SCONJ
framr-1745	262	33	that	that	SCONJ
framr-1745	262	34	individuals	individual	NOUN
framr-1745	262	35	who	who	PRON
framr-1745	262	36	lose	lose	VERB
framr-1745	262	37	their	their	PRON
framr-1745	262	38	loved	love	VERB
framr-1745	262	39	ones	one	NOUN
framr-1745	262	40	or	or	CCONJ
framr-1745	262	41	their	their	PRON
framr-1745	262	42	lives	life	NOUN
framr-1745	262	43	through	through	ADP
framr-1745	262	44	terror	terror	NOUN
framr-1745	262	45	and	and	CCONJ
framr-1745	262	46	insecurity	insecurity	NOUN
framr-1745	262	47	situation	situation	NOUN
framr-1745	262	48	in	in	ADP
framr-1745	262	49	nigeria	nigeria	PROPN
framr-1745	262	50	have	have	VERB
framr-1745	262	51	something	something	PRON
framr-1745	262	52	to	to	PART
framr-1745	262	53	beckon	beckon	VERB
framr-1745	262	54	.	.	PUNCT
framr-1745	263	1	there	there	PRON
framr-1745	263	2	is	be	VERB
framr-1745	263	3	also	also	ADV
framr-1745	263	4	need	need	ADJ
framr-1745	263	5	to	to	PART
framr-1745	263	6	bring	bring	VERB
framr-1745	263	7	insurance	insurance	NOUN
framr-1745	263	8	sensitization	sensitization	NOUN
framr-1745	263	9	to	to	ADP
framr-1745	263	10	the	the	DET
framr-1745	263	11	younger	young	ADJ
framr-1745	263	12	age	age	NOUN
framr-1745	263	13	distribution	distribution	NOUN
framr-1745	263	14	and	and	CCONJ
framr-1745	263	15	provide	provide	VERB
framr-1745	263	16	employment	employment	NOUN
framr-1745	263	17	opportunities	opportunity	NOUN
framr-1745	263	18	to	to	ADP
framr-1745	263	19	the	the	DET
framr-1745	263	20	teaming	team	VERB
framr-1745	263	21	population	population	NOUN
framr-1745	263	22	of	of	ADP
framr-1745	263	23	youths	youth	NOUN
framr-1745	263	24	in	in	ADP
framr-1745	263	25	nigeria	nigeria	PROPN
framr-1745	263	26	.	.	PUNCT
framr-1745	264	1	funding	funding	NOUN
framr-1745	264	2	:	:	PUNCT
framr-1745	264	3	this	this	DET
framr-1745	264	4	study	study	NOUN
framr-1745	264	5	received	receive	VERB
framr-1745	264	6	no	no	DET
framr-1745	264	7	specific	specific	ADJ
framr-1745	264	8	financial	financial	ADJ
framr-1745	264	9	support	support	NOUN
framr-1745	264	10	.	.	PUNCT
framr-1745	265	1	competing	compete	VERB
framr-1745	265	2	interests	interest	NOUN
framr-1745	265	3	:	:	PUNCT
framr-1745	265	4	the	the	DET
framr-1745	265	5	authors	author	NOUN
framr-1745	265	6	declare	declare	VERB
framr-1745	265	7	that	that	SCONJ
framr-1745	265	8	they	they	PRON
framr-1745	265	9	have	have	VERB
framr-1745	265	10	no	no	DET
framr-1745	265	11	competing	compete	VERB
framr-1745	265	12	interests	interest	NOUN
framr-1745	265	13	.	.	PUNCT
framr-1745	266	1	acknowledgement	acknowledgement	NOUN
framr-1745	266	2	:	:	PUNCT
framr-1745	266	3	all	all	DET
framr-1745	266	4	authors	author	NOUN
framr-1745	266	5	contributed	contribute	VERB
framr-1745	266	6	equally	equally	ADV
framr-1745	266	7	to	to	ADP
framr-1745	266	8	the	the	DET
framr-1745	266	9	conception	conception	NOUN
framr-1745	266	10	and	and	CCONJ
framr-1745	266	11	design	design	NOUN
framr-1745	266	12	of	of	ADP
framr-1745	266	13	the	the	DET
framr-1745	266	14	study	study	NOUN
framr-1745	266	15	.	.	PUNCT
framr-1745	267	1	references	reference	NOUN
framr-1745	267	2	beck	beck	PROPN
framr-1745	267	3	,	,	PUNCT
framr-1745	267	4	t.	t.	PROPN
framr-1745	267	5	,	,	PUNCT
framr-1745	267	6	&	&	CCONJ
framr-1745	267	7	webb	webb	PROPN
framr-1745	267	8	,	,	PUNCT
framr-1745	267	9	i.	i.	PROPN
framr-1745	267	10	(	(	PUNCT
framr-1745	267	11	2003	2003	NUM
framr-1745	267	12	)	)	PUNCT
framr-1745	267	13	.	.	PUNCT
framr-1745	268	1	economic	economic	ADJ
framr-1745	268	2	,	,	PUNCT
framr-1745	268	3	demographic	demographic	ADJ
framr-1745	268	4	,	,	PUNCT
framr-1745	268	5	and	and	CCONJ
framr-1745	268	6	institutional	institutional	ADJ
framr-1745	268	7	determinants	determinant	NOUN
framr-1745	268	8	of	of	ADP
framr-1745	268	9	life	life	NOUN
framr-1745	268	10	insurance	insurance	NOUN
framr-1745	268	11	consumption	consumption	NOUN
framr-1745	268	12	across	across	ADP
framr-1745	268	13	countries	country	NOUN
framr-1745	268	14	.	.	PUNCT
framr-1745	269	1	the	the	DET
framr-1745	269	2	world	world	PROPN
framr-1745	269	3	bank	bank	PROPN
framr-1745	269	4	economic	economic	PROPN
framr-1745	269	5	review	review	PROPN
framr-1745	269	6	,	,	PUNCT
framr-1745	269	7	17(1	17(1	NUM
framr-1745	269	8	)	)	PUNCT
framr-1745	269	9	,	,	PUNCT
framr-1745	269	10	51	51	NUM
framr-1745	269	11	-	-	SYM
framr-1745	269	12	88	88	NUM
framr-1745	269	13	.	.	PUNCT
framr-1745	269	14	available	available	ADJ
framr-1745	269	15	at	at	ADP
framr-1745	269	16	:	:	PUNCT
framr-1745	269	17	https://doi.org/10.1093/wber/lhg011	https://doi.org/10.1093/wber/lhg011	NOUN
framr-1745	269	18	.	.	PUNCT
framr-1745	270	1	burnett	burnett	PROPN
framr-1745	270	2	,	,	PUNCT
framr-1745	270	3	j.	j.	PROPN
framr-1745	270	4	r.	r.	PROPN
framr-1745	270	5	,	,	PUNCT
framr-1745	270	6	&	&	CCONJ
framr-1745	270	7	palmer	palmer	PROPN
framr-1745	270	8	,	,	PUNCT
framr-1745	270	9	a.	a.	NOUN
framr-1745	270	10	(	(	PUNCT
framr-1745	270	11	2004	2004	NUM
framr-1745	270	12	)	)	PUNCT
framr-1745	270	13	.	.	PUNCT
framr-1745	271	1	examining	examine	VERB
framr-1745	271	2	life	life	NOUN
framr-1745	271	3	insurance	insurance	NOUN
framr-1745	271	4	ownership	ownership	NOUN
framr-1745	271	5	through	through	ADP
framr-1745	271	6	demographic	demographic	ADJ
framr-1745	271	7	and	and	CCONJ
framr-1745	271	8	psychographic	psychographic	ADJ
framr-1745	271	9	characteristics	characteristic	NOUN
framr-1745	271	10	.	.	PUNCT
framr-1745	272	1	journal	journal	NOUN
framr-1745	272	2	of	of	ADP
framr-1745	272	3	risk	risk	NOUN
framr-1745	272	4	and	and	CCONJ
framr-1745	272	5	insurance	insurance	NOUN
framr-1745	272	6	,	,	PUNCT
framr-1745	272	7	51(3	51(3	NUM
framr-1745	272	8	)	)	PUNCT
framr-1745	272	9	,	,	PUNCT
framr-1745	272	10	453	453	NUM
framr-1745	272	11	-	-	SYM
framr-1745	272	12	467	467	NUM
framr-1745	272	13	.	.	PUNCT
framr-1745	272	14	available	available	ADJ
framr-1745	272	15	at	at	ADP
framr-1745	272	16	:	:	PUNCT
framr-1745	272	17	https://doi.org/10.2307/252479	https://doi.org/10.2307/252479	X
framr-1745	272	18	.	.	PUNCT
framr-1745	273	1	financial	financial	ADJ
framr-1745	273	2	risk	risk	NOUN
framr-1745	273	3	and	and	CCONJ
framr-1745	273	4	management	management	NOUN
framr-1745	273	5	reviews	review	NOUN
framr-1745	273	6	,	,	PUNCT
framr-1745	273	7	2021	2021	NUM
framr-1745	273	8	,	,	PUNCT
framr-1745	273	9	7(1	7(1	NUM
framr-1745	273	10	):	):	PUNCT
framr-1745	273	11	50	50	NUM
framr-1745	273	12	-	-	SYM
framr-1745	273	13	59	59	NUM
framr-1745	273	14	59	59	NUM
framr-1745	273	15	©	©	PROPN
framr-1745	273	16	2021	2021	NUM
framr-1745	273	17	conscientia	conscientia	PROPN
framr-1745	273	18	beam	beam	PROPN
framr-1745	273	19	.	.	PUNCT
framr-1745	274	1	all	all	DET
framr-1745	274	2	rights	right	NOUN
framr-1745	274	3	reserved	reserve	VERB
framr-1745	274	4	.	.	PUNCT
framr-1745	275	1	buzatu	buzatu	NOUN
framr-1745	275	2	,	,	PUNCT
framr-1745	275	3	c.	c.	PROPN
framr-1745	275	4	(	(	PUNCT
framr-1745	275	5	2013	2013	NUM
framr-1745	275	6	)	)	PUNCT
framr-1745	275	7	.	.	PUNCT
framr-1745	276	1	the	the	DET
framr-1745	276	2	influence	influence	NOUN
framr-1745	276	3	of	of	ADP
framr-1745	276	4	behavioral	behavioral	ADJ
framr-1745	276	5	factors	factor	NOUN
framr-1745	276	6	on	on	ADP
framr-1745	276	7	insurance	insurance	NOUN
framr-1745	276	8	decision	decision	NOUN
framr-1745	276	9	–	–	PUNCT
framr-1745	276	10	a	a	DET
framr-1745	276	11	romanian	romanian	ADJ
framr-1745	276	12	approach	approach	NOUN
framr-1745	276	13	.	.	PUNCT
framr-1745	277	1	procedia	procedia	ADJ
framr-1745	277	2	economics	economic	NOUN
framr-1745	277	3	and	and	CCONJ
framr-1745	277	4	finance	finance	NOUN
framr-1745	277	5	,	,	PUNCT
framr-1745	277	6	6	6	NUM
framr-1745	277	7	,	,	PUNCT
framr-1745	277	8	31	31	NUM
framr-1745	277	9	-	-	SYM
framr-1745	277	10	40	40	NUM
framr-1745	277	11	.	.	PUNCT
framr-1745	277	12	available	available	ADJ
framr-1745	277	13	at	at	ADP
framr-1745	277	14	:	:	PUNCT
framr-1745	277	15	https://doi.org/10.1016/s2212-5671(13)00110-x	https://doi.org/10.1016/s2212-5671(13)00110-x	NOUN
framr-1745	277	16	.	.	PUNCT
framr-1745	278	1	ebiede	ebiede	NOUN
framr-1745	278	2	,	,	PUNCT
framr-1745	278	3	t.	t.	NOUN
framr-1745	278	4	m.	m.	NOUN
framr-1745	278	5	(	(	PUNCT
framr-1745	278	6	2021	2021	NUM
framr-1745	278	7	)	)	PUNCT
framr-1745	278	8	.	.	PUNCT
framr-1745	279	1	how	how	SCONJ
framr-1745	279	2	insecurity	insecurity	NOUN
framr-1745	279	3	affects	affect	VERB
framr-1745	279	4	the	the	DET
framr-1745	279	5	lives	life	NOUN
framr-1745	279	6	of	of	ADP
framr-1745	279	7	everyone	everyone	PRON
framr-1745	279	8	in	in	ADP
framr-1745	279	9	the	the	DET
framr-1745	279	10	niger	niger	NOUN
framr-1745	279	11	delta	delta	NOUN
framr-1745	279	12	.	.	PUNCT
framr-1745	280	1	the	the	DET
framr-1745	280	2	conversation	conversation	NOUN
framr-1745	280	3	.	.	PUNCT
framr-1745	281	1	retrieved	retrieve	VERB
framr-1745	281	2	from	from	ADP
framr-1745	281	3	https://theconversation.com/how-insecurity-affects-the-lives-of-everyone-in-the-niger-delta-158182	https://theconversation.com/how-insecurity-affects-the-lives-of-everyone-in-the-niger-delta-158182	PROPN
framr-1745	281	4	.	.	PUNCT
framr-1745	282	1	haeil	haeil	PROPN
framr-1745	282	2	,	,	PUNCT
framr-1745	282	3	a.	a.	NOUN
framr-1745	282	4	(	(	PUNCT
framr-1745	282	5	2014	2014	NUM
framr-1745	282	6	)	)	PUNCT
framr-1745	282	7	.	.	PUNCT
framr-1745	283	1	effect	effect	NOUN
framr-1745	283	2	modeling	modeling	NOUN
framr-1745	283	3	of	of	ADP
framr-1745	283	4	count	count	NOUN
framr-1745	283	5	data	datum	NOUN
framr-1745	283	6	using	use	VERB
framr-1745	283	7	logistic	logistic	ADJ
framr-1745	283	8	regression	regression	NOUN
framr-1745	283	9	with	with	ADP
framr-1745	283	10	qualitative	qualitative	ADJ
framr-1745	283	11	predictors	predictor	NOUN
framr-1745	283	12	.	.	PUNCT
framr-1745	284	1	engineering	engineering	NOUN
framr-1745	284	2	,	,	PUNCT
framr-1745	284	3	6(12	6(12	NUM
framr-1745	284	4	)	)	PUNCT
framr-1745	284	5	,	,	PUNCT
framr-1745	284	6	758	758	NUM
framr-1745	284	7	-	-	SYM
framr-1745	284	8	772	772	NUM
framr-1745	284	9	.	.	PUNCT
framr-1745	284	10	available	available	ADJ
framr-1745	284	11	at	at	ADP
framr-1745	284	12	:	:	PUNCT
framr-1745	284	13	https://doi.org/10.4236/eng.2014.612074	https://doi.org/10.4236/eng.2014.612074	PROPN
framr-1745	284	14	.	.	PUNCT
framr-1745	285	1	hammond	hammond	PROPN
framr-1745	285	2	,	,	PUNCT
framr-1745	285	3	j.	j.	PROPN
framr-1745	285	4	d.	d.	PROPN
framr-1745	285	5	,	,	PUNCT
framr-1745	285	6	houston	houston	PROPN
framr-1745	285	7	,	,	PUNCT
framr-1745	285	8	d.	d.	PROPN
framr-1745	285	9	b.	b.	PROPN
framr-1745	285	10	,	,	PUNCT
framr-1745	285	11	&	&	CCONJ
framr-1745	285	12	melander	melander	NOUN
framr-1745	285	13	,	,	PUNCT
framr-1745	285	14	e.	e.	PROPN
framr-1745	285	15	r.	r.	PROPN
framr-1745	285	16	(	(	PUNCT
framr-1745	285	17	2007	2007	NUM
framr-1745	285	18	)	)	PUNCT
framr-1745	285	19	.	.	PUNCT
framr-1745	286	1	determinants	determinant	NOUN
framr-1745	286	2	of	of	ADP
framr-1745	286	3	household	household	NOUN
framr-1745	286	4	life	life	NOUN
framr-1745	286	5	insurance	insurance	NOUN
framr-1745	286	6	premium	premium	NOUN
framr-1745	286	7	expenditures	expenditure	NOUN
framr-1745	286	8	:	:	PUNCT
framr-1745	286	9	an	an	DET
framr-1745	286	10	empirical	empirical	ADJ
framr-1745	286	11	investigation	investigation	NOUN
framr-1745	286	12	.	.	PUNCT
framr-1745	287	1	journal	journal	NOUN
framr-1745	287	2	of	of	ADP
framr-1745	287	3	risk	risk	NOUN
framr-1745	287	4	and	and	CCONJ
framr-1745	287	5	insurance	insurance	NOUN
framr-1745	287	6	,	,	PUNCT
framr-1745	287	7	34(3	34(3	NUM
framr-1745	287	8	)	)	PUNCT
framr-1745	287	9	,	,	PUNCT
framr-1745	287	10	397	397	NUM
framr-1745	287	11	-	-	SYM
framr-1745	287	12	408	408	NUM
framr-1745	287	13	.	.	PUNCT
framr-1745	287	14	available	available	ADJ
framr-1745	287	15	at	at	ADP
framr-1745	287	16	:	:	PUNCT
framr-1745	287	17	https://doi.org/10.2307/250854	https://doi.org/10.2307/250854	PROPN
framr-1745	287	18	.	.	PUNCT
framr-1745	288	1	nkengmenche	nkengmenche	PROPN
framr-1745	288	2	,	,	PUNCT
framr-1745	288	3	g.	g.	PROPN
framr-1745	288	4	n.	n.	PROPN
framr-1745	288	5	(	(	PUNCT
framr-1745	288	6	2020	2020	NUM
framr-1745	288	7	)	)	PUNCT
framr-1745	288	8	.	.	PUNCT
framr-1745	289	1	factors	factor	NOUN
framr-1745	289	2	affecting	affect	VERB
framr-1745	289	3	the	the	DET
framr-1745	289	4	successful	successful	ADJ
framr-1745	289	5	uptake	uptake	NOUN
framr-1745	289	6	of	of	ADP
framr-1745	289	7	life	life	NOUN
framr-1745	289	8	insurance	insurance	NOUN
framr-1745	289	9	in	in	ADP
framr-1745	289	10	cameroon	cameroon	NOUN
framr-1745	289	11	:	:	PUNCT
framr-1745	289	12	zenithe	zenithe	PRON
framr-1745	289	13	insurance	insurance	NOUN
framr-1745	289	14	company	company	NOUN
framr-1745	289	15	,	,	PUNCT
framr-1745	289	16	buea	buea	NOUN
framr-1745	289	17	,	,	PUNCT
framr-1745	289	18	cameroon	cameroon	PROPN
framr-1745	289	19	,	,	PUNCT
framr-1745	289	20	centria	centria	PROPN
framr-1745	289	21	university	university	PROPN
framr-1745	289	22	of	of	ADP
framr-1745	289	23	applied	apply	VERB
framr-1745	289	24	sciences	science	NOUN
framr-1745	289	25	.	.	PUNCT
framr-1745	289	26	retrieved	retrieve	VERB
framr-1745	289	27	from	from	ADP
framr-1745	289	28	:	:	PUNCT
framr-1745	289	29	https://www.theseus.fi/bitstream/handle/10024/337180/njukang%20golden.pdf?sequence=2&isallowed=y	https://www.theseus.fi/bitstream/handle/10024/337180/njukang%20golden.pdf?sequence=2&isallowed=y	NOUN
framr-1745	289	30	.	.	PUNCT
framr-1745	290	1	[	[	X
framr-1745	290	2	accessed	access	VERB
framr-1745	290	3	22/09/2021	22/09/2021	NUM
framr-1745	290	4	]	]	X
framr-1745	290	5	.	.	PUNCT
framr-1745	291	1	park	park	PROPN
framr-1745	291	2	,	,	PUNCT
framr-1745	291	3	s.	s.	PROPN
framr-1745	291	4	,	,	PUNCT
framr-1745	291	5	&	&	CCONJ
framr-1745	291	6	lemaire	lemaire	PROPN
framr-1745	291	7	,	,	PUNCT
framr-1745	291	8	j.	j.	PROPN
framr-1745	291	9	(	(	PUNCT
framr-1745	291	10	2012	2012	NUM
framr-1745	291	11	)	)	PUNCT
framr-1745	291	12	.	.	PUNCT
framr-1745	292	1	the	the	DET
framr-1745	292	2	impact	impact	NOUN
framr-1745	292	3	of	of	ADP
framr-1745	292	4	culture	culture	NOUN
framr-1745	292	5	on	on	ADP
framr-1745	292	6	the	the	DET
framr-1745	292	7	demand	demand	NOUN
framr-1745	292	8	for	for	ADP
framr-1745	292	9	non	non	ADJ
framr-1745	292	10	-	-	ADJ
framr-1745	292	11	life	life	ADJ
framr-1745	292	12	insurance	insurance	NOUN
framr-1745	292	13	.	.	PUNCT
framr-1745	293	1	astin	astin	PROPN
framr-1745	293	2	bulletin	bulletin	PROPN
framr-1745	293	3	:	:	PUNCT
framr-1745	293	4	the	the	DET
framr-1745	293	5	journal	journal	NOUN
framr-1745	293	6	of	of	ADP
framr-1745	293	7	the	the	DET
framr-1745	293	8	iaa	iaa	NOUN
framr-1745	293	9	,	,	PUNCT
framr-1745	293	10	42(2	42(2	NUM
framr-1745	293	11	)	)	PUNCT
framr-1745	293	12	,	,	PUNCT
framr-1745	293	13	501	501	NUM
framr-1745	293	14	-	-	SYM
framr-1745	293	15	527	527	NUM
framr-1745	293	16	.	.	PUNCT
framr-1745	294	1	ramos	ramos	PROPN
framr-1745	294	2	,	,	PUNCT
framr-1745	294	3	j.	j.	PROPN
framr-1745	294	4	c.	c.	PROPN
framr-1745	294	5	,	,	PUNCT
framr-1745	294	6	lieberman	lieberman	PROPN
framr-1745	294	7	-	-	PUNCT
framr-1745	294	8	cribbin	cribbin	PROPN
framr-1745	294	9	,	,	PUNCT
framr-1745	294	10	w.	w.	PROPN
framr-1745	294	11	,	,	PUNCT
framr-1745	294	12	gillezeau	gillezeau	NOUN
framr-1745	294	13	,	,	PUNCT
framr-1745	294	14	c.	c.	PROPN
framr-1745	294	15	,	,	PUNCT
framr-1745	294	16	alpert	alpert	PROPN
framr-1745	294	17	,	,	PUNCT
framr-1745	294	18	n.	n.	NOUN
framr-1745	294	19	,	,	PUNCT
framr-1745	294	20	gerven	gerven	NOUN
framr-1745	294	21	,	,	PUNCT
framr-1745	294	22	m.	m.	NOUN
framr-1745	294	23	v.	v.	PROPN
framr-1745	294	24	,	,	PUNCT
framr-1745	294	25	tuminello	tuminello	PROPN
framr-1745	294	26	,	,	PUNCT
framr-1745	294	27	s.	s.	PROPN
framr-1745	294	28	,	,	PUNCT
framr-1745	294	29	&	&	CCONJ
framr-1745	294	30	taioli	taioli	PROPN
framr-1745	294	31	,	,	PUNCT
framr-1745	294	32	e.	e.	PROPN
framr-1745	294	33	(	(	PUNCT
framr-1745	294	34	2019	2019	NUM
framr-1745	294	35	)	)	PUNCT
framr-1745	294	36	.	.	PUNCT
framr-1745	295	1	medical	medical	ADJ
framr-1745	295	2	bankruptcy	bankruptcy	NOUN
framr-1745	295	3	:	:	PUNCT
framr-1745	295	4	still	still	ADV
framr-1745	295	5	common	common	ADJ
framr-1745	295	6	despite	despite	SCONJ
framr-1745	295	7	the	the	DET
framr-1745	295	8	affordable	affordable	ADJ
framr-1745	295	9	care	care	PROPN
framr-1745	295	10	act	act	PROPN
framr-1745	295	11	.	.	PUNCT
framr-1745	296	1	ajph	ajph	NOUN
framr-1745	296	2	,	,	PUNCT
framr-1745	296	3	109(3	109(3	NUM
framr-1745	296	4	)	)	PUNCT
framr-1745	296	5	,	,	PUNCT
framr-1745	296	6	431	431	NUM
framr-1745	296	7	-	-	SYM
framr-1745	296	8	433	433	NUM
framr-1745	296	9	.	.	PUNCT
framr-1745	296	10	available	available	ADJ
framr-1745	296	11	at	at	ADP
framr-1745	296	12	:	:	PUNCT
framr-1745	296	13	https://doi.org/10.2105/ajph.2018.304901	https://doi.org/10.2105/ajph.2018.304901	PROPN
framr-1745	296	14	.	.	PUNCT
framr-1745	296	15	salami	salami	PROPN
framr-1745	296	16	,	,	PUNCT
framr-1745	296	17	k.	k.	PROPN
framr-1745	296	18	a.	a.	PROPN
framr-1745	296	19	(	(	PUNCT
framr-1745	296	20	1996	1996	NUM
framr-1745	296	21	)	)	PUNCT
framr-1745	296	22	.	.	PUNCT
framr-1745	297	1	development	development	NOUN
framr-1745	297	2	of	of	ADP
framr-1745	297	3	life	life	NOUN
framr-1745	297	4	business	business	NOUN
framr-1745	297	5	-	-	PUNCT
framr-1745	297	6	role	role	NOUN
framr-1745	297	7	of	of	ADP
framr-1745	297	8	the	the	DET
framr-1745	297	9	african	african	ADJ
framr-1745	297	10	life	life	NOUN
framr-1745	297	11	reinsurance	reinsurance	NOUN
framr-1745	297	12	.	.	PUNCT
framr-1745	298	1	paper	paper	NOUN
framr-1745	298	2	presented	present	VERB
framr-1745	298	3	at	at	ADP
framr-1745	298	4	the	the	DET
framr-1745	298	5	african	african	ADJ
framr-1745	298	6	insurance	insurance	NOUN
framr-1745	298	7	organization	organization	NOUN
framr-1745	298	8	(	(	PUNCT
framr-1745	298	9	aio	aio	NOUN
framr-1745	298	10	)	)	PUNCT
framr-1745	298	11	seminar	seminar	NOUN
framr-1745	298	12	of	of	ADP
framr-1745	298	13	life	life	NOUN
framr-1745	298	14	assurance	assurance	NOUN
framr-1745	298	15	,	,	PUNCT
framr-1745	298	16	mombasa	mombasa	PROPN
framr-1745	298	17	kenya	kenya	PROPN
framr-1745	298	18	,	,	PUNCT
framr-1745	298	19	november	november	PROPN
framr-1745	298	20	27	27	NUM
framr-1745	298	21	-	-	SYM
framr-1745	298	22	28	28	NUM
framr-1745	298	23	.	.	PUNCT
framr-1745	299	1	truett	truett	NOUN
framr-1745	299	2	,	,	PUNCT
framr-1745	299	3	&	&	CCONJ
framr-1745	299	4	truett	truett	NOUN
framr-1745	299	5	.	.	PUNCT
framr-1745	300	1	(	(	PUNCT
framr-1745	300	2	2004	2004	NUM
framr-1745	300	3	)	)	PUNCT
framr-1745	300	4	.	.	PUNCT
framr-1745	301	1	risk	risk	NOUN
framr-1745	301	2	and	and	CCONJ
framr-1745	301	3	insurance	insurance	NOUN
framr-1745	301	4	in	in	ADP
framr-1745	301	5	village	village	PROPN
framr-1745	301	6	india	india	PROPN
framr-1745	301	7	.	.	PUNCT
framr-1745	302	1	econometrica	econometrica	PROPN
framr-1745	302	2	,	,	PUNCT
framr-1745	302	3	62(3	62(3	NOUN
framr-1745	302	4	)	)	PUNCT
framr-1745	302	5	,	,	PUNCT
framr-1745	302	6	539	539	NUM
framr-1745	302	7	-	-	SYM
framr-1745	302	8	592	592	NUM
framr-1745	302	9	.	.	PUNCT
framr-1745	302	10	available	available	ADJ
framr-1745	302	11	at	at	ADP
framr-1745	302	12	:	:	PUNCT
framr-1745	302	13	https://doi.org/10.2307/2951659	https://doi.org/10.2307/2951659	PROPN
framr-1745	302	14	.	.	PUNCT
framr-1745	303	1	ugwuanyim	ugwuanyim	PROPN
framr-1745	303	2	,	,	PUNCT
framr-1745	303	3	g.	g.	PROPN
framr-1745	303	4	,	,	PUNCT
framr-1745	303	5	onwuegbuchunam	onwuegbuchunam	PROPN
framr-1745	303	6	,	,	PUNCT
framr-1745	303	7	d.	d.	PROPN
framr-1745	303	8	,	,	PUNCT
framr-1745	303	9	bartholomew	bartholomew	PROPN
framr-1745	303	10	,	,	PUNCT
framr-1745	303	11	d.	d.	PROPN
framr-1745	303	12	,	,	PUNCT
framr-1745	303	13	&	&	CCONJ
framr-1745	303	14	anikpe	anikpe	PROPN
framr-1745	303	15	,	,	PUNCT
framr-1745	303	16	c.	c.	NOUN
framr-1745	303	17	(	(	PUNCT
framr-1745	303	18	2021	2021	NUM
framr-1745	303	19	)	)	PUNCT
framr-1745	303	20	.	.	PUNCT
framr-1745	304	1	performance	performance	NOUN
framr-1745	304	2	evaluation	evaluation	NOUN
framr-1745	304	3	of	of	ADP
framr-1745	304	4	motor	motor	NOUN
framr-1745	304	5	insurance	insurance	NOUN
framr-1745	304	6	companies	company	NOUN
framr-1745	304	7	:	:	PUNCT
framr-1745	304	8	panel	panel	NOUN
framr-1745	304	9	data	datum	NOUN
framr-1745	304	10	evidence	evidence	NOUN
framr-1745	304	11	from	from	ADP
framr-1745	304	12	nigeria	nigeria	PROPN
framr-1745	304	13	.	.	PUNCT
framr-1745	305	1	journal	journal	PROPN
framr-1745	305	2	of	of	ADP
framr-1745	305	3	transportation	transportation	NOUN
framr-1745	305	4	technologies	technology	NOUN
framr-1745	305	5	,	,	PUNCT
framr-1745	305	6	11(3	11(3	NUM
framr-1745	305	7	)	)	PUNCT
framr-1745	305	8	,	,	PUNCT
framr-1745	305	9	325	325	NUM
framr-1745	305	10	-	-	SYM
framr-1745	305	11	334	334	NUM
framr-1745	305	12	.	.	PUNCT
framr-1745	305	13	available	available	ADJ
framr-1745	305	14	at	at	ADP
framr-1745	305	15	:	:	PUNCT
framr-1745	305	16	https://doi.org/10.4236/jtts.2021.113021	https://doi.org/10.4236/jtts.2021.113021	PROPN
framr-1745	305	17	.	.	PROPN
framr-1745	305	18	yildirim	yildirim	PROPN
framr-1745	305	19	,	,	PUNCT
framr-1745	305	20	i.	i.	PROPN
framr-1745	305	21	,	,	PUNCT
framr-1745	305	22	&	&	CCONJ
framr-1745	305	23	cakar	cakar	PROPN
framr-1745	305	24	,	,	PUNCT
framr-1745	305	25	r.	r.	PROPN
framr-1745	305	26	(	(	PUNCT
framr-1745	305	27	2015	2015	NUM
framr-1745	305	28	)	)	PUNCT
framr-1745	305	29	.	.	PUNCT
framr-1745	306	1	a	a	DET
framr-1745	306	2	study	study	NOUN
framr-1745	306	3	of	of	ADP
framr-1745	306	4	the	the	DET
framr-1745	306	5	factors	factor	NOUN
framr-1745	306	6	affecting	affect	VERB
framr-1745	306	7	the	the	DET
framr-1745	306	8	insurance	insurance	NOUN
framr-1745	306	9	company	company	NOUN
framr-1745	306	10	preferences	preference	NOUN
framr-1745	306	11	of	of	ADP
framr-1745	306	12	insurance	insurance	NOUN
framr-1745	306	13	agencies	agency	NOUN
framr-1745	306	14	in	in	ADP
framr-1745	306	15	turkey	turkey	PROPN
framr-1745	306	16	.	.	PUNCT
framr-1745	307	1	international	international	ADJ
framr-1745	307	2	journal	journal	PROPN
framr-1745	307	3	of	of	ADP
framr-1745	307	4	business	business	NOUN
framr-1745	307	5	and	and	CCONJ
framr-1745	307	6	management	management	NOUN
framr-1745	307	7	studies	study	NOUN
framr-1745	307	8	,	,	PUNCT
framr-1745	307	9	7(1	7(1	NUM
framr-1745	307	10	)	)	PUNCT
framr-1745	307	11	,	,	PUNCT
framr-1745	307	12	1	1	NUM
framr-1745	307	13	-	-	SYM
framr-1745	307	14	15	15	NUM
framr-1745	307	15	.	.	PUNCT
framr-1745	308	1	views	view	NOUN
framr-1745	308	2	and	and	CCONJ
framr-1745	308	3	opinions	opinion	NOUN
framr-1745	308	4	expressed	express	VERB
framr-1745	308	5	in	in	ADP
framr-1745	308	6	this	this	DET
framr-1745	308	7	article	article	NOUN
framr-1745	308	8	are	be	AUX
framr-1745	308	9	the	the	DET
framr-1745	308	10	views	view	NOUN
framr-1745	308	11	and	and	CCONJ
framr-1745	308	12	opinions	opinion	NOUN
framr-1745	308	13	of	of	ADP
framr-1745	308	14	the	the	DET
framr-1745	308	15	author(s	author(s	NOUN
framr-1745	308	16	)	)	PUNCT
framr-1745	308	17	,	,	PUNCT
framr-1745	308	18	financial	financial	ADJ
framr-1745	308	19	risk	risk	NOUN
framr-1745	308	20	and	and	CCONJ
framr-1745	308	21	management	management	NOUN
framr-1745	308	22	reviews	review	NOUN
framr-1745	308	23	shall	shall	AUX
framr-1745	308	24	not	not	PART
framr-1745	308	25	be	be	AUX
framr-1745	308	26	responsible	responsible	ADJ
framr-1745	308	27	or	or	CCONJ
framr-1745	308	28	answerable	answerable	ADJ
framr-1745	308	29	for	for	ADP
framr-1745	308	30	any	any	DET
framr-1745	308	31	loss	loss	NOUN
framr-1745	308	32	,	,	PUNCT
framr-1745	308	33	damage	damage	NOUN
framr-1745	308	34	or	or	CCONJ
framr-1745	308	35	liability	liability	NOUN
framr-1745	308	36	etc	etc	X
framr-1745	308	37	.	.	X
framr-1745	309	1	caused	cause	VERB
framr-1745	309	2	in	in	ADP
framr-1745	309	3	relation	relation	NOUN
framr-1745	309	4	to	to	PART
framr-1745	309	5	/	/	PUNCT
framr-1745	309	6	arising	arise	VERB
framr-1745	309	7	out	out	ADP
framr-1745	309	8	of	of	ADP
framr-1745	309	9	the	the	DET
framr-1745	309	10	use	use	NOUN
framr-1745	309	11	of	of	ADP
framr-1745	309	12	the	the	DET
framr-1745	309	13	content	content	NOUN
framr-1745	309	14	.	.	PUNCT
framr-1745	310	1	http://www.theseus.fi/bitstream/handle/10024/337180/njukang%20golden.pdf?sequence=2&isallowed=y	http://www.theseus.fi/bitstream/handle/10024/337180/njukang%20golden.pdf?sequence=2&isallowed=y	NOUN
framr-1745	310	2	http://www.theseus.fi/bitstream/handle/10024/337180/njukang%20golden.pdf?sequence=2&isallowed=y	http://www.theseus.fi/bitstream/handle/10024/337180/njukang%20golden.pdf?sequence=2&isallowed=y	NOUN