id	sid	eid	entity	type
fsr-3237	1	1	ning tanga	PERSON
fsr-3237	1	2	paula c. peterb	PERSON
fsr-3237	1	3	san diego	GPE
fsr-3237	1	4	5500	CARDINAL
fsr-3237	1	5	san diego	GPE
fsr-3237	1	6	92182-8239	DATE
fsr-3237	1	7	san diego	GPE
fsr-3237	1	8	5500	CARDINAL
fsr-3237	1	9	san diego	GPE
fsr-3237	1	10	92182-8239	DATE
fsr-3237	3	1	3,597	CARDINAL
fsr-3237	6	1	2015	CARDINAL
fsr-3237	6	2	academy of financial services	ORG
fsr-3237	8	1	jel classification	ORG
fsr-3237	8	2	1	CARDINAL
fsr-3237	9	1	today	DATE
fsr-3237	12	1	1-619-594-2082	CARDINAL
fsr-3237	12	2	1-619-594-3272	CARDINAL
fsr-3237	13	1	n. tang	PERSON
fsr-3237	14	1	24	CARDINAL
fsr-3237	14	2	2015	CARDINAL
fsr-3237	14	3	119–137	CARDINAL
fsr-3237	14	4	2015	CARDINAL
fsr-3237	14	5	academy of financial services	ORG
fsr-3237	17	1	montoya	PERSON
fsr-3237	17	2	scott	PERSON
fsr-3237	17	3	2013	DATE
fsr-3237	18	1	chen	PERSON
fsr-3237	18	2	volpe	PERSON
fsr-3237	18	3	1998	DATE
fsr-3237	18	4	jacobs-lawson	ORG
fsr-3237	18	5	hershey	ORG
fsr-3237	18	6	2005	DATE
fsr-3237	18	7	van rooij	PERSON
fsr-3237	18	8	alessie	ORG
fsr-3237	18	9	2011	DATE
fsr-3237	19	1	2013	DATE
fsr-3237	20	1	alhenawi	PERSON
fsr-3237	20	2	2013	DATE
fsr-3237	22	1	2009	DATE
fsr-3237	22	2	21	CARDINAL
fsr-3237	22	3	13	CARDINAL
fsr-3237	22	4	2009	DATE
fsr-3237	23	1	2013	DATE
fsr-3237	23	2	22	CARDINAL
fsr-3237	23	3	17	DATE
fsr-3237	23	4	2014	DATE
fsr-3237	24	1	2010	DATE
fsr-3237	24	2	dodd	PERSON
fsr-3237	24	3	the u.s. congress	ORG
fsr-3237	25	1	u.s.	GPE
fsr-3237	25	2	worthington, 2006	ORG
fsr-3237	26	1	2003	DATE
fsr-3237	26	2	2003	DATE
fsr-3237	26	3	98%	PERCENT
fsr-3237	26	4	u.s.	GPE
fsr-3237	26	5	72%	PERCENT
fsr-3237	27	1	chen	PERSON
fsr-3237	27	2	volpe	PERSON
fsr-3237	27	3	1998	DATE
fsr-3237	27	4	mandell	ORG
fsr-3237	27	5	2009	DATE
fsr-3237	31	1	johnson	PERSON
fsr-3237	31	2	2007	DATE
fsr-3237	31	3	america	GPE
fsr-3237	32	1	lusardi	PERSON
fsr-3237	32	2	mitchell	PERSON
fsr-3237	32	3	2010	DATE
fsr-3237	33	1	chen	PERSON
fsr-3237	33	2	volpe	PERSON
fsr-3237	33	3	1998	DATE
fsr-3237	35	1	kolb, 1984)	ORG
fsr-3237	37	1	3,597	CARDINAL
fsr-3237	37	2	1997	DATE
fsr-3237	37	3	n. tang	PERSON
fsr-3237	37	4	p.c.	PERSON
fsr-3237	37	5	24	CARDINAL
fsr-3237	37	6	2015	CARDINAL
fsr-3237	37	7	119–137	CARDINAL
fsr-3237	41	1	two	CARDINAL
fsr-3237	42	1	first	ORDINAL
fsr-3237	43	1	second	ORDINAL
fsr-3237	43	2	three	CARDINAL
fsr-3237	46	1	section 2	LAW
fsr-3237	46	2	section 3	LAW
fsr-3237	46	3	section 4	LAW
fsr-3237	46	4	section 5	LAW
fsr-3237	47	1	2	CARDINAL
fsr-3237	47	2	collins	PERSON
fsr-3237	47	3	o’rourke	ORG
fsr-3237	47	4	2010	DATE
fsr-3237	49	1	kolb (	ORG
fsr-3237	49	2	1984	DATE
fsr-3237	50	1	first	ORDINAL
fsr-3237	52	1	kolb	PERSON
fsr-3237	53	1	kolb	ORG
fsr-3237	53	2	boyatzis	ORG
fsr-3237	53	3	mainemelis	ORG
fsr-3237	53	4	1999	DATE
fsr-3237	57	1	tang	PERSON
fsr-3237	57	2	p.c.	PERSON
fsr-3237	57	3	24	CARDINAL
fsr-3237	57	4	2015	CARDINAL
fsr-3237	57	5	119–137	CARDINAL
fsr-3237	59	1	fig	ORG
fsr-3237	60	1	1	CARDINAL
fsr-3237	62	1	2.1	CARDINAL
fsr-3237	65	1	boyce	ORG
fsr-3237	65	2	1999	DATE
fsr-3237	65	3	tennyson and nguyen, 2001	ORG
fsr-3237	66	1	mandell	ORG
fsr-3237	66	2	2009	DATE
fsr-3237	67	1	lyons	PERSON
fsr-3237	67	2	rachlis	NORP
fsr-3237	67	3	2007	DATE
fsr-3237	70	1	1	CARDINAL
fsr-3237	71	1	1	CARDINAL
fsr-3237	72	1	122 n. tang	QUANTITY
fsr-3237	72	2	p.c.	PERSON
fsr-3237	72	3	24	CARDINAL
fsr-3237	72	4	2015	CARDINAL
fsr-3237	72	5	119–137	CARDINAL
fsr-3237	73	1	2.2	CARDINAL
fsr-3237	73	2	the 2001	DATE
fsr-3237	73	3	hilgert	PERSON
fsr-3237	73	4	hogarth	PERSON
fsr-3237	73	5	beverly, 2003	DATE
fsr-3237	74	1	lyons	PERSON
fsr-3237	74	2	rachlis	NORP
fsr-3237	74	3	2007	DATE
fsr-3237	77	1	the “huntington bank kids	ORG
fsr-3237	77	2	columbus	GPE
fsr-3237	77	3	ohio	GPE
fsr-3237	77	4	2002	DATE
fsr-3237	81	1	2a	CARDINAL
fsr-3237	82	1	2b	CARDINAL
fsr-3237	83	1	2.3	CARDINAL
fsr-3237	84	1	xiao et al.	PERSON
fsr-3237	84	2	2011	DATE
fsr-3237	86	1	bowen	PERSON
fsr-3237	86	2	2002	DATE
fsr-3237	86	3	maclean	GPE
fsr-3237	86	4	2010	DATE
fsr-3237	86	5	2013	DATE
fsr-3237	87	1	924	CARDINAL
fsr-3237	87	2	74%	PERCENT
fsr-3237	87	3	68%	PERCENT
fsr-3237	87	4	chen	PERSON
fsr-3237	87	5	volpe	PERSON
fsr-3237	87	6	2002	DATE
fsr-3237	88	1	2001	DATE
fsr-3237	88	2	123n	CARDINAL
fsr-3237	89	1	tang	PERSON
fsr-3237	89	2	p.c.	PERSON
fsr-3237	89	3	24	CARDINAL
fsr-3237	89	4	2015	CARDINAL
fsr-3237	89	5	119–137	CARDINAL
fsr-3237	89	6	2001	DATE
fsr-3237	92	1	3a	CARDINAL
fsr-3237	93	1	3b	CARDINAL
fsr-3237	94	1	3	CARDINAL
fsr-3237	94	2	3.1	CARDINAL
fsr-3237	94	3	1997	DATE
fsr-3237	94	4	the u.s. bureau of labor statistics	ORG
fsr-3237	95	1	nlsy97	ORG
fsr-3237	95	2	u.s.	GPE
fsr-3237	96	1	8,984	CARDINAL
fsr-3237	96	2	nlsy97	ORG
fsr-3237	96	3	75,291	CARDINAL
fsr-3237	96	4	147	CARDINAL
fsr-3237	97	1	1997	DATE
fsr-3237	97	2	1	CARDINAL
fsr-3237	97	3	2010	DATE
fsr-3237	97	4	14	CARDINAL
fsr-3237	97	5	annually	DATE
fsr-3237	99	1	three	CARDINAL
fsr-3237	100	1	nlsy97	ORG
fsr-3237	101	1	3,597	CARDINAL
fsr-3237	101	2	nlsy97	ORG
fsr-3237	102	1	3.2	CARDINAL
fsr-3237	102	2	3.2.1	CARDINAL
fsr-3237	103	1	nlsy97 2007	EVENT
fsr-3237	103	2	11	CARDINAL
fsr-3237	103	3	three	CARDINAL
fsr-3237	104	1	1	CARDINAL
fsr-3237	106	1	2	CARDINAL
fsr-3237	106	2	100	MONEY
fsr-3237	106	3	2%	PERCENT
fsr-3237	107	1	124 n. tang	QUANTITY
fsr-3237	107	2	p.c.	PERSON
fsr-3237	107	3	24	CARDINAL
fsr-3237	107	4	2015	CARDINAL
fsr-3237	107	5	119–137	CARDINAL
fsr-3237	107	6	5 years	DATE
fsr-3237	107	7	more than $102	MONEY
fsr-3237	107	8	102	MONEY
fsr-3237	107	9	less than $102	MONEY
fsr-3237	108	1	a. more than $102	PERSON
fsr-3237	108	2	102	MONEY
fsr-3237	108	3	less than $102	MONEY
fsr-3237	108	4	3	CARDINAL
fsr-3237	109	1	1%	PERCENT
fsr-3237	109	2	2%	PERCENT
fsr-3237	110	1	1 year	DATE
fsr-3237	110	2	today	DATE
fsr-3237	111	1	a. more than	PERSON
fsr-3237	111	2	today	DATE
fsr-3237	111	3	today	DATE
fsr-3237	111	4	today	DATE
fsr-3237	111	5	2004	DATE
fsr-3237	111	6	2009	DATE
fsr-3237	111	7	american	NORP
fsr-3237	111	8	2009	DATE
fsr-3237	111	9	nfcs2009	ORG
fsr-3237	111	10	mitchell, 2008, 2011	ORG
fsr-3237	111	11	mitchell	PERSON
fsr-3237	111	12	2010	DATE
fsr-3237	112	1	three	CARDINAL
fsr-3237	112	2	three	CARDINAL
fsr-3237	114	1	3.2.2	CARDINAL
fsr-3237	114	2	from 1997 to 2007	DATE
fsr-3237	114	3	1 through 11	CARDINAL
fsr-3237	116	1	years	DATE
fsr-3237	116	2	peng et al.	PERSON
fsr-3237	116	3	2007	DATE
fsr-3237	118	1	o’rourke	ORG
fsr-3237	118	2	2010	DATE
fsr-3237	119	1	mandell	ORG
fsr-3237	119	2	klein	PERSON
fsr-3237	119	3	2007	DATE
fsr-3237	121	1	2007	DATE
fsr-3237	122	1	zero	CARDINAL
fsr-3237	123	1	3.2.3	CARDINAL
fsr-3237	123	2	the 1998 to 2007	DATE
fsr-3237	123	3	2	CARDINAL
fsr-3237	123	4	11	CARDINAL
fsr-3237	124	1	2007	DATE
fsr-3237	125	1	3.2.4	DATE
fsr-3237	126	1	1997	DATE
fsr-3237	126	2	1	CARDINAL
fsr-3237	128	1	3.2.5	CARDINAL
fsr-3237	129	1	1	CARDINAL
fsr-3237	129	2	1	CARDINAL
fsr-3237	129	3	1	CARDINAL
fsr-3237	129	4	2006	DATE
fsr-3237	130	1	tang	PERSON
fsr-3237	130	2	p.c.	PERSON
fsr-3237	130	3	24	CARDINAL
fsr-3237	130	4	2015	CARDINAL
fsr-3237	130	5	119–137	CARDINAL
fsr-3237	130	6	11	CARDINAL
fsr-3237	131	1	mitchell	PERSON
fsr-3237	131	2	2010	DATE
fsr-3237	131	3	mandell	ORG
fsr-3237	131	4	2009	DATE
fsr-3237	131	5	worthington, 2006	ORG
fsr-3237	132	1	2007	DATE
fsr-3237	132	2	11	CARDINAL
fsr-3237	132	3	1999	DATE
fsr-3237	132	4	3	CARDINAL
fsr-3237	132	5	mitchell	PERSON
fsr-3237	132	6	2010	DATE
fsr-3237	136	1	3.3	CARDINAL
fsr-3237	137	1	3,597	CARDINAL
fsr-3237	138	1	1	CARDINAL
fsr-3237	139	1	1.84	CARDINAL
fsr-3237	139	2	3. eighteen percent	PERCENT
fsr-3237	139	3	2007	DATE
fsr-3237	140	1	only 24.6%	PERCENT
fsr-3237	140	2	2007	DATE
fsr-3237	141	1	fifty-eight percent	PERCENT
fsr-3237	142	1	24	DATE
fsr-3237	142	2	2007	DATE
fsr-3237	143	1	fifty percent	PERCENT
fsr-3237	143	2	24,011	MONEY
fsr-3237	143	3	2006	DATE
fsr-3237	144	1	65.1%	PERCENT
fsr-3237	144	2	23.4%	PERCENT
fsr-3237	144	3	american	NORP
fsr-3237	144	4	indian	NORP
fsr-3237	144	5	aleut	GPE
fsr-3237	144	6	0.8%	PERCENT
fsr-3237	144	7	asian	NORP
fsr-3237	144	8	pacific islander	ORG
fsr-3237	144	9	1.4%	PERCENT
fsr-3237	144	10	9.4%	PERCENT
fsr-3237	145	1	2007	DATE
fsr-3237	145	2	26%	PERCENT
fsr-3237	145	3	3%	PERCENT
fsr-3237	145	4	71%	PERCENT
fsr-3237	146	1	2.89	CARDINAL
fsr-3237	147	1	forty-one percent	PERCENT
fsr-3237	147	2	31%	PERCENT
fsr-3237	148	1	seventy percent	PERCENT
fsr-3237	149	1	4	CARDINAL
fsr-3237	149	2	4.1	CARDINAL
fsr-3237	150	1	first	ORDINAL
fsr-3237	150	2	one	CARDINAL
fsr-3237	150	3	anova	ORG
fsr-3237	152	1	three	CARDINAL
fsr-3237	153	1	2	CARDINAL
fsr-3237	154	1	three	CARDINAL
fsr-3237	156	1	126 n. tang	QUANTITY
fsr-3237	156	2	p.c.	PERSON
fsr-3237	156	3	24	CARDINAL
fsr-3237	156	4	2015	CARDINAL
fsr-3237	156	5	119–137	CARDINAL
fsr-3237	156	6	2.19	CARDINAL
fsr-3237	156	7	1.73	CARDINAL
fsr-3237	159	1	4.2	CARDINAL
fsr-3237	162	1	1	CARDINAL
fsr-3237	162	2	max	PERSON
fsr-3237	162	3	1.84	CARDINAL
fsr-3237	162	4	3	CARDINAL
fsr-3237	162	5	2007	DATE
fsr-3237	162	6	18.0%	PERCENT
fsr-3237	162	7	38.5%	PERCENT
fsr-3237	162	8	2007	DATE
fsr-3237	162	9	24.6%	PERCENT
fsr-3237	162	10	43.1%	PERCENT
fsr-3237	162	11	1	CARDINAL
fsr-3237	162	12	58.3%	PERCENT
fsr-3237	162	13	49.3%	PERCENT
fsr-3237	162	14	0 1	DATE
fsr-3237	162	15	50.1%	PERCENT
fsr-3237	162	16	50.0%	PERCENT
fsr-3237	162	17	0 1 age in 2007	DATE
fsr-3237	162	18	1.47	CARDINAL
fsr-3237	162	19	22 28	TIME
fsr-3237	162	20	65.1%	PERCENT
fsr-3237	162	21	47.7%	PERCENT
fsr-3237	162	22	23.4%	PERCENT
fsr-3237	162	23	42.3%	PERCENT
fsr-3237	162	24	1	CARDINAL
fsr-3237	162	25	american	NORP
fsr-3237	162	26	indian	NORP
fsr-3237	162	27	aleut	GPE
fsr-3237	162	28	0.8%	PERCENT
fsr-3237	162	29	9.1%	PERCENT
fsr-3237	162	30	0 1 asian	PERCENT
fsr-3237	162	31	1.4%	PERCENT
fsr-3237	162	32	11.6%	PERCENT
fsr-3237	162	33	0 1 other	DATE
fsr-3237	162	34	9.4%	PERCENT
fsr-3237	162	35	29.2%	PERCENT
fsr-3237	162	36	1	CARDINAL
fsr-3237	162	37	11.8%	PERCENT
fsr-3237	162	38	32.3%	PERCENT
fsr-3237	162	39	1	CARDINAL
fsr-3237	162	40	49.8%	PERCENT
fsr-3237	162	41	50.0%	PERCENT
fsr-3237	162	42	1	CARDINAL
fsr-3237	162	43	9.4%	PERCENT
fsr-3237	162	44	29.1%	PERCENT
fsr-3237	162	45	1	CARDINAL
fsr-3237	162	46	26.0%	PERCENT
fsr-3237	162	47	43.9%	PERCENT
fsr-3237	162	48	1	CARDINAL
fsr-3237	162	49	3.0%	PERCENT
fsr-3237	162	50	17.1%	PERCENT
fsr-3237	162	51	1	CARDINAL
fsr-3237	162	52	2.89 .59 .42 4	MONEY
fsr-3237	162	53	2006	DATE
fsr-3237	162	54	$) $	MONEY
fsr-3237	162	55	24,011	MONEY
fsr-3237	162	56	18,255	MONEY
fsr-3237	162	57	175,000	MONEY
fsr-3237	162	58	23.9%	PERCENT
fsr-3237	162	59	42.6%	PERCENT
fsr-3237	162	60	0 1 $10,000 to $25,000 37.7%	MONEY
fsr-3237	162	61	48.5%	PERCENT
fsr-3237	162	62	0 1 $25,000 to $50,000 33.0%	MONEY
fsr-3237	162	63	47.0%	PERCENT
fsr-3237	162	64	0 1 $50,000	MONEY
fsr-3237	162	65	5.5%	PERCENT
fsr-3237	162	66	22.8%	PERCENT
fsr-3237	162	67	1	CARDINAL
fsr-3237	162	68	10.8%	PERCENT
fsr-3237	162	69	31.1%	PERCENT
fsr-3237	162	70	1	CARDINAL
fsr-3237	162	71	30.1%	PERCENT
fsr-3237	162	72	45.9%	PERCENT
fsr-3237	162	73	1	CARDINAL
fsr-3237	162	74	28.6%	PERCENT
fsr-3237	162	75	45.2%	PERCENT
fsr-3237	162	76	1 college 15.6%	PERCENT
fsr-3237	162	77	36.3%	PERCENT
fsr-3237	162	78	1	CARDINAL
fsr-3237	162	79	14.9%	PERCENT
fsr-3237	162	80	35.6%	PERCENT
fsr-3237	162	81	0 1	DATE
fsr-3237	162	82	70.1%	PERCENT
fsr-3237	162	83	45.8%	PERCENT
fsr-3237	163	1	three	CARDINAL
fsr-3237	165	1	tang	PERSON
fsr-3237	165	2	p.c.	PERSON
fsr-3237	165	3	24	CARDINAL
fsr-3237	165	4	2015	CARDINAL
fsr-3237	166	1	119–137	CARDINAL
fsr-3237	166	2	jonkman	PERSON
fsr-3237	166	3	blinn-pike	PERSON
fsr-3237	166	4	2010	DATE
fsr-3237	168	1	first	ORDINAL
fsr-3237	169	1	higher than three	CARDINAL
fsr-3237	170	1	1808.14	CARDINAL
fsr-3237	170	2	3580	CARDINAL
fsr-3237	170	3	0.99	CARDINAL
fsr-3237	170	4	1417.84	CARDINAL
fsr-3237	170	5	3080	CARDINAL
fsr-3237	170	6	0.99	CARDINAL
fsr-3237	174	1	one	CARDINAL
fsr-3237	175	1	one	CARDINAL
fsr-3237	176	1	3	CARDINAL
fsr-3237	177	1	0.01	CARDINAL
fsr-3237	177	2	0.01	CARDINAL
fsr-3237	177	3	0.10	CARDINAL
fsr-3237	178	1	12%	PERCENT
fsr-3237	179	1	2	CARDINAL
fsr-3237	180	1	2007	DATE
fsr-3237	180	2	a.	PERSON
fsr-3237	180	3	2007	DATE
fsr-3237	180	4	649	CARDINAL
fsr-3237	180	5	2007	DATE
fsr-3237	180	6	2,948 1.77	QUANTITY
fsr-3237	180	7	102.43	CARDINAL
fsr-3237	180	8	2007	DATE
fsr-3237	180	9	2007	DATE
fsr-3237	180	10	886 2.19 b.	QUANTITY
fsr-3237	180	11	2007	DATE
fsr-3237	180	12	1.73	CARDINAL
fsr-3237	181	1	173.04	CARDINAL
fsr-3237	181	2	2,096	CARDINAL
fsr-3237	181	3	1.99	CARDINAL
fsr-3237	181	4	1,501	CARDINAL
fsr-3237	181	5	1.64	CARDINAL
fsr-3237	181	6	123.15	CARDINAL
fsr-3237	182	1	anova	ORG
fsr-3237	184	1	the 1%, 5%	PERCENT
fsr-3237	184	2	10%	PERCENT
fsr-3237	185	1	128 n. tang	QUANTITY
fsr-3237	185	2	p.c.	PERSON
fsr-3237	185	3	24	CARDINAL
fsr-3237	185	4	2015	CARDINAL
fsr-3237	185	5	119–137	CARDINAL
fsr-3237	185	6	10% and 4%	PERCENT
fsr-3237	186	1	1	CARDINAL
fsr-3237	186	2	2a	CARDINAL
fsr-3237	186	3	3a	CARDINAL
fsr-3237	187	1	0.01	CARDINAL
fsr-3237	188	1	19%	PERCENT
fsr-3237	191	1	only 0.94	CARDINAL
fsr-3237	191	2	0.01	CARDINAL
fsr-3237	192	1	0.01	CARDINAL
fsr-3237	194	1	one	CARDINAL
fsr-3237	195	1	3	CARDINAL
fsr-3237	195	2	2007	DATE
fsr-3237	195	3	1.12 .11	QUANTITY
fsr-3237	195	4	2007	DATE
fsr-3237	195	5	1.10 .10	QUANTITY
fsr-3237	196	1	1.04 .04	QUANTITY
fsr-3237	196	2	1.19	CARDINAL
fsr-3237	196	3	2007	DATE
fsr-3237	196	4	indian	NORP
fsr-3237	196	5	.97	PRODUCT
fsr-3237	196	6	.97	PERSON
fsr-3237	196	7	1.07	CARDINAL
fsr-3237	197	1	1.14	CARDINAL
fsr-3237	198	1	2006	DATE
fsr-3237	198	2	under $10,000	MONEY
fsr-3237	198	3	10,000	MONEY
fsr-3237	199	1	50,000	MONEY
fsr-3237	199	2	1.16 .15	QUANTITY
fsr-3237	200	1	1.03	CARDINAL
fsr-3237	200	2	.96	PERSON
fsr-3237	200	3	3597	CARDINAL
fsr-3237	200	4	wald �2 (df	ORG
fsr-3237	200	5	987.74	CARDINAL
fsr-3237	200	6	16	CARDINAL
fsr-3237	200	7	10276.38	CARDINAL
fsr-3237	200	8	10381.57	CARDINAL
fsr-3237	202	1	2007	DATE
fsr-3237	202	2	2007	DATE
fsr-3237	203	1	2007	DATE
fsr-3237	203	2	2006	DATE
fsr-3237	206	1	the 1%, 5%	PERCENT
fsr-3237	206	2	10%	PERCENT
fsr-3237	208	1	tang	PERSON
fsr-3237	208	2	p.c.	PERSON
fsr-3237	208	3	24	CARDINAL
fsr-3237	208	4	2015	CARDINAL
fsr-3237	208	5	119–137	CARDINAL
fsr-3237	208	6	4.3	MONEY
fsr-3237	209	1	2b	CARDINAL
fsr-3237	209	2	3b	CARDINAL
fsr-3237	211	1	4	CARDINAL
fsr-3237	212	1	4	CARDINAL
fsr-3237	212	2	2007	DATE
fsr-3237	212	3	1.20	CARDINAL
fsr-3237	213	1	2007	DATE
fsr-3237	213	2	1.05	CARDINAL
fsr-3237	213	3	2007	DATE
fsr-3237	213	4	2007	DATE
fsr-3237	213	5	2007	DATE
fsr-3237	213	6	1.19	CARDINAL
fsr-3237	215	1	2007	DATE
fsr-3237	216	1	indian	NORP
fsr-3237	216	2	.96	FAC
fsr-3237	216	3	.04 .08 asian .98 �.02 .05	MONEY
fsr-3237	216	4	1.07	CARDINAL
fsr-3237	217	1	1.14	CARDINAL
fsr-3237	218	1	2006	DATE
fsr-3237	218	2	under $10,000	MONEY
fsr-3237	218	3	10,000	MONEY
fsr-3237	219	1	50,000	MONEY
fsr-3237	219	2	1.16 .15	QUANTITY
fsr-3237	220	1	1.03	CARDINAL
fsr-3237	220	2	.96	PERSON
fsr-3237	220	3	3597	CARDINAL
fsr-3237	220	4	wald �2 (df	ORG
fsr-3237	220	5	996.38	CARDINAL
fsr-3237	220	6	18	CARDINAL
fsr-3237	220	7	10277.70	CARDINAL
fsr-3237	220	8	10395.27	CARDINAL
fsr-3237	222	1	2007	DATE
fsr-3237	222	2	2007	DATE
fsr-3237	222	3	2007	DATE
fsr-3237	222	4	2007	DATE
fsr-3237	222	5	2007	DATE
fsr-3237	223	1	2007	DATE
fsr-3237	223	2	2006	DATE
fsr-3237	226	1	the 1%, 5%	PERCENT
fsr-3237	226	2	10%	PERCENT
fsr-3237	227	1	130 n. tang	QUANTITY
fsr-3237	227	2	p.c.	PERSON
fsr-3237	227	3	24	CARDINAL
fsr-3237	227	4	2015	CARDINAL
fsr-3237	227	5	119–137	CARDINAL
fsr-3237	227	6	1.80	CARDINAL
fsr-3237	227	7	0.07	CARDINAL
fsr-3237	227	8	1.50	CARDINAL
fsr-3237	227	9	0.04	CARDINAL
fsr-3237	228	1	one	CARDINAL
fsr-3237	228	2	coxe	GPE
fsr-3237	228	3	aiken	GPE
fsr-3237	228	4	2009	DATE
fsr-3237	230	1	coxe	GPE
fsr-3237	230	2	aiken	GPE
fsr-3237	230	3	2009	DATE
fsr-3237	231	1	2	CARDINAL
fsr-3237	231	2	3	DATE
fsr-3237	231	3	4	CARDINAL
fsr-3237	232	1	4	CARDINAL
fsr-3237	233	1	0.05	CARDINAL
fsr-3237	234	1	2b	CARDINAL
fsr-3237	236	1	fig	ORG
fsr-3237	237	1	2	CARDINAL
fsr-3237	240	1	2	CARDINAL
fsr-3237	240	2	95%	PERCENT
fsr-3237	241	1	131n	ORDINAL
fsr-3237	242	1	tang	PERSON
fsr-3237	242	2	p.c.	PERSON
fsr-3237	242	3	24	CARDINAL
fsr-3237	242	4	2015	CARDINAL
fsr-3237	242	5	119–137	CARDINAL
fsr-3237	242	6	0.10	CARDINAL
fsr-3237	244	1	3	CARDINAL
fsr-3237	245	1	0.30	CARDINAL
fsr-3237	245	2	1.8 � 1.5	QUANTITY
fsr-3237	245	3	only 0.19	CARDINAL
fsr-3237	245	4	1.76	CARDINAL
fsr-3237	245	5	1.57	CARDINAL
fsr-3237	246	1	3b	CARDINAL
fsr-3237	247	1	4.4	CARDINAL
fsr-3237	251	1	2007	DATE
fsr-3237	254	1	3	CARDINAL
fsr-3237	255	1	bernheim	GPE
fsr-3237	255	2	2001	DATE
fsr-3237	255	3	2007	DATE
fsr-3237	256	1	3	CARDINAL
fsr-3237	256	2	95%	PERCENT
fsr-3237	257	1	132 n. tang	QUANTITY
fsr-3237	257	2	p.c.	PERSON
fsr-3237	257	3	24	CARDINAL
fsr-3237	257	4	2015	CARDINAL
fsr-3237	257	5	119–137 2007	DATE
fsr-3237	258	1	2007	DATE
fsr-3237	258	2	2007	DATE
fsr-3237	259	1	1	CARDINAL
fsr-3237	259	2	5	CARDINAL
fsr-3237	259	3	2007	DATE
fsr-3237	260	1	5	CARDINAL
fsr-3237	260	2	2007	DATE
fsr-3237	260	3	1	CARDINAL
fsr-3237	260	4	2007 2	DATE
fsr-3237	260	5	2007	DATE
fsr-3237	260	6	1.15 .14 .10	MONEY
fsr-3237	260	7	1.20	CARDINAL
fsr-3237	260	8	1.13	CARDINAL
fsr-3237	260	9	1.08 .08	CARDINAL
fsr-3237	260	10	1.09	CARDINAL
fsr-3237	260	11	1.05	CARDINAL
fsr-3237	260	12	.97	ORG
fsr-3237	260	13	1.00	CARDINAL
fsr-3237	260	14	1.22 .20	MONEY
fsr-3237	260	15	1.21	CARDINAL
fsr-3237	260	16	2007	DATE
fsr-3237	260	17	1.00 .00 .01	QUANTITY
fsr-3237	260	18	indian	NORP
fsr-3237	260	19	.96	PRODUCT
fsr-3237	260	20	.97	ORG
fsr-3237	260	21	1.05	CARDINAL
fsr-3237	260	22	1.07	CARDINAL
fsr-3237	260	23	1.17 .16	QUANTITY
fsr-3237	262	1	1.14	CARDINAL
fsr-3237	262	2	2006	DATE
fsr-3237	263	1	under $10,000	MONEY
fsr-3237	263	2	10,000	MONEY
fsr-3237	263	3	1.04 .04	QUANTITY
fsr-3237	263	4	1.11	CARDINAL
fsr-3237	263	5	50,000	MONEY
fsr-3237	263	6	1.30 .26	MONEY
fsr-3237	264	1	1.14	CARDINAL
fsr-3237	264	2	1.00 .00 .02	MONEY
fsr-3237	264	3	1.03	CARDINAL
fsr-3237	264	4	.96	ORG
fsr-3237	264	5	591 2,885	CARDINAL
fsr-3237	264	6	wald	ORG
fsr-3237	264	7	133.68	CARDINAL
fsr-3237	264	8	18	CARDINAL
fsr-3237	264	9	676.80	CARDINAL
fsr-3237	264	10	18	CARDINAL
fsr-3237	264	11	1717.23	CARDINAL
fsr-3237	264	12	1800.49 8348.61	CARDINAL
fsr-3237	266	1	1	CARDINAL
fsr-3237	266	2	2007	DATE
fsr-3237	266	3	2007	DATE
fsr-3237	266	4	2007	DATE
fsr-3237	266	5	2007	DATE
fsr-3237	266	6	2007	DATE
fsr-3237	267	1	2	CARDINAL
fsr-3237	267	2	2007	DATE
fsr-3237	267	3	2007	DATE
fsr-3237	267	4	1	CARDINAL
fsr-3237	268	1	2007	DATE
fsr-3237	268	2	2006	DATE
fsr-3237	271	1	the 1%, 5%	PERCENT
fsr-3237	271	2	10%	PERCENT
fsr-3237	273	1	tang	PERSON
fsr-3237	273	2	p.c.	PERSON
fsr-3237	273	3	24	CARDINAL
fsr-3237	273	4	2015	CARDINAL
fsr-3237	273	5	119–137	CARDINAL
fsr-3237	273	6	one	CARDINAL
fsr-3237	277	1	first	ORDINAL
fsr-3237	277	2	2007	DATE
fsr-3237	281	1	2007	DATE
fsr-3237	282	1	2	CARDINAL
fsr-3237	282	2	5	CARDINAL
fsr-3237	283	1	2007	DATE
fsr-3237	285	1	3	CARDINAL
fsr-3237	287	1	5	CARDINAL
fsr-3237	289	1	kolb	ORG
fsr-3237	290	1	three	CARDINAL
fsr-3237	291	1	three	CARDINAL
fsr-3237	297	1	one	CARDINAL
fsr-3237	300	1	134 n. tang	QUANTITY
fsr-3237	300	2	p.c.	PERSON
fsr-3237	300	3	24	CARDINAL
fsr-3237	300	4	2015	CARDINAL
fsr-3237	300	5	119–137	CARDINAL
fsr-3237	304	1	three	CARDINAL
fsr-3237	304	2	nlsy97	ORG
fsr-3237	307	1	huston	ORG
fsr-3237	307	2	2010	DATE
fsr-3237	307	3	2013	DATE
fsr-3237	307	4	volpe	PERSON
fsr-3237	307	5	chen	PERSON
fsr-3237	307	6	liu	PERSON
fsr-3237	307	7	2006	DATE
fsr-3237	314	1	alhenawi	PERSON
fsr-3237	314	2	2013	DATE
fsr-3237	314	3	chen	PERSON
fsr-3237	314	4	volpe	PERSON
fsr-3237	314	5	1998	DATE
fsr-3237	317	1	wiedrich et al.	PERSON
fsr-3237	317	2	2014	DATE
fsr-3237	318	1	alhenawi	PERSON
fsr-3237	318	2	k.	PERSON
fsr-3237	318	3	2013	DATE
fsr-3237	319	1	u.s.	GPE
fsr-3237	320	1	22	CARDINAL
fsr-3237	320	2	211–244	CARDINAL
fsr-3237	321	1	bernheim	GPE
fsr-3237	321	2	b. d.	PERSON
fsr-3237	321	3	d. m.	PERSON
fsr-3237	321	4	d. m.	PERSON
fsr-3237	321	5	2001	DATE
fsr-3237	323	1	journal of public economics	ORG
fsr-3237	323	2	80	DATE
fsr-3237	323	3	435–465	DATE
fsr-3237	324	1	bowen	PERSON
fsr-3237	324	2	c. f. (	PERSON
fsr-3237	324	3	2002	DATE
fsr-3237	326	1	13	CARDINAL
fsr-3237	326	2	93–101	DATE
fsr-3237	327	1	chen, h., & volpe	ORG
fsr-3237	327	2	r. p.	PERSON
fsr-3237	327	3	1998	DATE
fsr-3237	329	1	7	CARDINAL
fsr-3237	329	2	107–128	DATE
fsr-3237	330	1	chen, h., & volpe	ORG
fsr-3237	330	2	r. p.	PERSON
fsr-3237	330	3	2002	DATE
fsr-3237	332	1	11	CARDINAL
fsr-3237	332	2	289–307	CARDINAL
fsr-3237	334	1	tang	PERSON
fsr-3237	334	2	p.c.	PERSON
fsr-3237	334	3	24	CARDINAL
fsr-3237	334	4	2015	CARDINAL
fsr-3237	334	5	119–137	CARDINAL
fsr-3237	334	6	j. m., & o’rourke	PERSON
fsr-3237	334	7	c. m.	PERSON
fsr-3237	334	8	2010	DATE
fsr-3237	336	1	44	DATE
fsr-3237	336	2	483–498	CARDINAL
fsr-3237	338	1	2003	DATE
fsr-3237	340	1	12	CARDINAL
fsr-3237	341	1	consumer bankers association	ORG
fsr-3237	342	1	2002	DATE
fsr-3237	343	1	cba 2002	ORG
fsr-3237	344	1	cba survey	PERSON
fsr-3237	344	2	april 2002	DATE
fsr-3237	347	1	2009	DATE
fsr-3237	348	1	2009	DATE
fsr-3237	349	1	http://www.councilforeconed.org/wp/wp-content/	ORG
fsr-3237	351	1	2014	DATE
fsr-3237	352	1	2014	DATE
fsr-3237	354	1	coxe	PERSON
fsr-3237	354	2	s.	GPE
fsr-3237	354	3	west	GPE
fsr-3237	354	4	s. g., & aiken	PERSON
fsr-3237	354	5	l. s.	PERSON
fsr-3237	354	6	2009	DATE
fsr-3237	356	1	91	CARDINAL
fsr-3237	356	2	121–136	CARDINAL
fsr-3237	357	1	danes	ORG
fsr-3237	357	2	s. m.	PERSON
fsr-3237	357	3	huddleston-casas	ORG
fsr-3237	357	4	c., & boyce	ORG
fsr-3237	357	5	l.	GPE
fsr-3237	357	6	1999	DATE
fsr-3237	359	1	10	CARDINAL
fsr-3237	361	1	2001	DATE
fsr-3237	362	1	2001	DATE
fsr-3237	364	1	hilgert	PERSON
fsr-3237	364	2	m. a.	PERSON
fsr-3237	364	3	hogarth	PERSON
fsr-3237	364	4	j. m., & beverly	PERSON
fsr-3237	364	5	s. g.	PERSON
fsr-3237	364	6	2003	DATE
fsr-3237	366	1	federal reserve bulletin	ORG
fsr-3237	366	2	2003	DATE
fsr-3237	366	3	309–322	DATE
fsr-3237	367	1	huston	PERSON
fsr-3237	367	2	s. j.	PERSON
fsr-3237	367	3	2010	DATE
fsr-3237	369	1	44	DATE
fsr-3237	369	2	296–316	CARDINAL
fsr-3237	370	1	jacobs-lawson	PERSON
fsr-3237	370	2	j. m., & hershey	PERSON
fsr-3237	370	3	d. a.	PERSON
fsr-3237	370	4	2005	DATE
fsr-3237	372	1	14	CARDINAL
fsr-3237	372	2	331–344	DATE
fsr-3237	373	1	johnson	PERSON
fsr-3237	373	2	e., & sherraden	ORG
fsr-3237	373	3	m. (	PERSON
fsr-3237	373	4	2007	DATE
fsr-3237	375	1	34	DATE
fsr-3237	375	2	119–146	CARDINAL
fsr-3237	376	1	kolb	ORG
fsr-3237	376	2	d. a.	PERSON
fsr-3237	376	3	1984	DATE
fsr-3237	378	1	englewood cliffs	GPE
fsr-3237	378	2	nj	ORG
fsr-3237	378	3	prentice-hall, inc	ORG
fsr-3237	378	4	kolb	ORG
fsr-3237	378	5	d. a.	PERSON
fsr-3237	378	6	boyatzis	GPE
fsr-3237	378	7	r. e.	PERSON
fsr-3237	378	8	1999	DATE
fsr-3237	381	1	lusardi	PERSON
fsr-3237	381	2	a., & mitchell	ORG
fsr-3237	381	3	o. s.	PERSON
fsr-3237	381	4	2008	DATE
fsr-3237	383	1	american	NORP
fsr-3237	383	2	98	CARDINAL
fsr-3237	383	3	413–417	CARDINAL
fsr-3237	384	1	lusardi, a., & mitchell	ORG
fsr-3237	384	2	o. s.	PERSON
fsr-3237	384	3	2011	DATE
fsr-3237	386	1	o. s. mitchell & a. lusardi	ORG
fsr-3237	387	1	oxford	NORP
fsr-3237	387	2	oxford university	ORG
fsr-3237	388	1	lusardi	PERSON
fsr-3237	388	2	mitchell, o. s.	PERSON
fsr-3237	388	3	2010	DATE
fsr-3237	390	1	44	DATE
fsr-3237	390	2	358–380	CARDINAL
fsr-3237	391	1	lyons	PERSON
fsr-3237	391	2	a. c.	PERSON
fsr-3237	391	3	rachlis	NORP
fsr-3237	391	4	m., & scherpf	ORG
fsr-3237	391	5	2007	DATE
fsr-3237	394	1	41	CARDINAL
fsr-3237	394	2	223–249	CARDINAL
fsr-3237	395	1	mandell	ORG
fsr-3237	395	2	l.	PERSON
fsr-3237	395	3	2009	DATE
fsr-3237	399	1	mandell	PERSON
fsr-3237	399	2	l., & klein	ORG
fsr-3237	399	3	l. s.	PERSON
fsr-3237	399	4	2007	DATE
fsr-3237	401	1	16	CARDINAL
fsr-3237	401	2	105–116	CARDINAL
fsr-3237	402	1	montoya	PERSON
fsr-3237	402	2	d. y.	PERSON
fsr-3237	402	3	m. l.	PERSON
fsr-3237	402	4	2013	DATE
fsr-3237	404	1	32	CARDINAL
fsr-3237	405	1	norvilitis	ORG
fsr-3237	405	2	j. m.	PERSON
fsr-3237	405	3	m. g.	PERSON
fsr-3237	405	4	2010	DATE
fsr-3237	407	1	31	CARDINAL
fsr-3237	407	2	55–63	DATE
fsr-3237	408	1	peng	PERSON
fsr-3237	408	2	t. m.	PERSON
fsr-3237	408	3	s.	PERSON
fsr-3237	408	4	fox	ORG
fsr-3237	408	5	j. j., & cravener	PERSON
fsr-3237	408	6	2007	DATE
fsr-3237	410	1	28	CARDINAL
fsr-3237	410	2	265–284	CARDINAL
fsr-3237	411	1	schmeiser,	ORG
fsr-3237	411	2	m. d., & seligman	PERSON
fsr-3237	411	3	j. s.	PERSON
fsr-3237	411	4	2013	DATE
fsr-3237	413	1	47	DATE
fsr-3237	413	2	243–262	CARDINAL
fsr-3237	414	1	136 n. tang	QUANTITY
fsr-3237	414	2	p.c.	PERSON
fsr-3237	414	3	24	CARDINAL
fsr-3237	414	4	2015	CARDINAL
fsr-3237	414	5	119–137	CARDINAL
fsr-3237	414	6	s.	PERSON
fsr-3237	414	7	j.	PERSON
fsr-3237	414	8	bosch	PERSON
fsr-3237	414	9	l., & tang	ORG
fsr-3237	414	10	2013	DATE
fsr-3237	416	1	47	DATE
fsr-3237	416	2	128–152	CARDINAL
fsr-3237	417	1	tennyson, s., & nguyen	ORG
fsr-3237	417	2	2001	DATE
fsr-3237	419	1	35	CARDINAL
fsr-3237	419	2	241–262	CARDINAL
fsr-3237	420	1	van rooij	PERSON
fsr-3237	420	2	m.	PERSON
fsr-3237	420	3	a., & alessie	ORG
fsr-3237	420	4	r. (	PERSON
fsr-3237	420	5	2011	DATE
fsr-3237	422	1	journal of financial economics	ORG
fsr-3237	422	2	101	CARDINAL
fsr-3237	422	3	449–472	CARDINAL
fsr-3237	423	1	volpe	PERSON
fsr-3237	423	2	r. p.	PERSON
fsr-3237	423	3	chen, h., & liu	ORG
fsr-3237	423	4	2006	DATE
fsr-3237	425	1	15	CARDINAL
fsr-3237	426	1	wiedrich	PERSON
fsr-3237	426	2	k.	PERSON
fsr-3237	426	3	collins	PERSON
fsr-3237	426	4	m., rosen	PERSON
fsr-3237	426	5	l., & rademacher	ORG
fsr-3237	426	6	i.	PERSON
fsr-3237	426	7	2014	DATE
fsr-3237	429	1	april 2014	DATE
fsr-3237	430	1	worthington, a. c. (2006	ORG
fsr-3237	431	1	australia	GPE
fsr-3237	432	1	15	CARDINAL
fsr-3237	433	1	s. l.	PERSON
fsr-3237	433	2	jonkman	PERSON
fsr-3237	433	3	j., & blinn-pike	ORG
fsr-3237	433	4	2010	DATE
fsr-3237	435	1	31	DATE
fsr-3237	435	2	161–170	CARDINAL
fsr-3237	436	1	xiao	PERSON
fsr-3237	436	2	j. j.	PERSON
fsr-3237	436	3	j., & shim	ORG
fsr-3237	436	4	s. (2011	ORG
fsr-3237	438	1	30	CARDINAL
fsr-3237	438	2	239–245	CARDINAL
fsr-3237	440	1	tang	PERSON
fsr-3237	440	2	p.c.	PERSON
fsr-3237	440	3	24	CARDINAL
fsr-3237	440	4	2015	CARDINAL
fsr-3237	440	5	119–137	CARDINAL