id	sid	eid	entity	type
fsr-3245	1	1	kenneth n. ryacka	PERSON
fsr-3245	1	2	quinnipiac university	ORG
fsr-3245	1	3	hamden	GPE
fsr-3245	1	4	06518	DATE
fsr-3245	6	1	2015	CARDINAL
fsr-3245	6	2	academy of financial services	ORG
fsr-3245	8	1	jel classification:	ORG
fsr-3245	9	1	d9	GPE
fsr-3245	9	2	today	DATE
fsr-3245	9	3	trahan	ORG
fsr-3245	9	4	gitman	ORG
fsr-3245	9	5	trevino	PERSON
fsr-3245	9	6	2012	DATE
fsr-3245	10	1	21.8 million	CARDINAL
fsr-3245	10	2	u.s households	ORG
fsr-3245	10	3	montalto	PERSON
fsr-3245	10	4	fox	ORG
fsr-3245	10	5	2002	DATE
fsr-3245	11	1	the united states	GPE
fsr-3245	12	1	1-203	CARDINAL
fsr-3245	13	1	k. ryack	PERSON
fsr-3245	13	2	24	CARDINAL
fsr-3245	13	3	2015	CARDINAL
fsr-3245	13	4	387–410	CARDINAL
fsr-3245	13	5	1057-0810/15/$	DATE
fsr-3245	13	6	2015	CARDINAL
fsr-3245	13	7	academy of financial services	ORG
fsr-3245	15	1	2002	DATE
fsr-3245	16	1	2002	DATE
fsr-3245	19	1	2003	DATE
fsr-3245	19	2	nuttin	ORG
fsr-3245	19	3	1985	DATE
fsr-3245	19	4	boyd	GPE
fsr-3245	19	5	1999	DATE
fsr-3245	22	1	tp	NORP
fsr-3245	22	2	gonzalez	PERSON
fsr-3245	22	3	1985	DATE
fsr-3245	29	1	pfp	ORG
fsr-3245	29	2	pfp	PERSON
fsr-3245	32	1	mitchell, 1978	ORG
fsr-3245	32	2	dickson	GPE
fsr-3245	32	3	1978	DATE
fsr-3245	32	4	huber, 1983	ORG
fsr-3245	32	5	payne, 1982;	ORG
fsr-3245	32	6	payne, bettman	ORG
fsr-3245	32	7	johnson	PERSON
fsr-3245	32	8	1992	DATE
fsr-3245	32	9	1991	DATE
fsr-3245	33	1	tp	PERSON
fsr-3245	36	1	388	CARDINAL
fsr-3245	36	2	24	CARDINAL
fsr-3245	36	3	2015	CARDINAL
fsr-3245	36	4	387–410	CARDINAL
fsr-3245	39	1	2	CARDINAL
fsr-3245	39	2	2.1	CARDINAL
fsr-3245	40	1	d’alessio et al.	PERSON
fsr-3245	40	2	2003	DATE
fsr-3245	40	3	nuttin	ORG
fsr-3245	40	4	1985	DATE
fsr-3245	40	5	boyd	GPE
fsr-3245	40	6	1999	DATE
fsr-3245	41	1	zimbardo & boyd	ORG
fsr-3245	41	2	1999	DATE
fsr-3245	43	1	gleicher	ORG
fsr-3245	43	2	boninger	PERSON
fsr-3245	43	3	edwards,	ORG
fsr-3245	43	4	1994	DATE
fsr-3245	43	5	boyd	GPE
fsr-3245	43	6	1999	DATE
fsr-3245	44	1	boniwell	ORG
fsr-3245	44	2	2004	DATE
fsr-3245	44	3	1994	DATE
fsr-3245	44	4	1983	DATE
fsr-3245	44	5	boyd	GPE
fsr-3245	44	6	1999	DATE
fsr-3245	46	1	henson	PERSON
fsr-3245	46	2	carey	PERSON
fsr-3245	46	3	carey	PERSON
fsr-3245	46	4	maisto	ORG
fsr-3245	46	5	2006	DATE
fsr-3245	46	6	keough	PERSON
fsr-3245	46	7	boyd	GPE
fsr-3245	46	8	1999	DATE
fsr-3245	47	1	steinberg	PERSON
fsr-3245	47	2	piquero	ORG
fsr-3245	47	3	2005	DATE
fsr-3245	47	4	modecki, 2008	DATE
fsr-3245	47	5	keough	PERSON
fsr-3245	47	6	boyd, 1997)	ORG
fsr-3245	47	7	dorr, krueckeberg	ORG
fsr-3245	47	8	1999	DATE
fsr-3245	47	9	rothspan	PERSON
fsr-3245	47	10	1996	DATE
fsr-3245	47	11	anderson	PERSON
fsr-3245	47	12	mattson	PERSON
fsr-3245	47	13	2006	DATE
fsr-3245	47	14	liu	PERSON
fsr-3245	47	15	macpherson	PERSON
fsr-3245	47	16	2007	DATE
fsr-3245	48	1	2007	DATE
fsr-3245	48	2	joireman	ORG
fsr-3245	48	3	1999	DATE
fsr-3245	48	4	2006	DATE
fsr-3245	48	5	van lange	PERSON
fsr-3245	48	6	van vugt	PERSON
fsr-3245	48	7	2004	DATE
fsr-3245	48	8	orbell	ORG
fsr-3245	48	9	2006	DATE
fsr-3245	48	10	ouellette	PERSON
fsr-3245	48	11	gerrard	GPE
fsr-3245	48	12	2005	DATE
fsr-3245	49	1	boniwell	ORG
fsr-3245	49	2	2004	DATE
fsr-3245	49	3	d’alessio et al.	PERSON
fsr-3245	49	4	2003	DATE
fsr-3245	49	5	1994	DATE
fsr-3245	49	6	boyd	GPE
fsr-3245	49	7	1999	DATE
fsr-3245	50	1	389k.n	CARDINAL
fsr-3245	50	2	24	CARDINAL
fsr-3245	50	3	2015	CARDINAL
fsr-3245	50	4	387–410	CARDINAL
fsr-3245	50	5	1994	DATE
fsr-3245	50	6	boyd	GPE
fsr-3245	50	7	1999	DATE
fsr-3245	51	1	gleicher	PERSON
fsr-3245	51	2	boninger	PERSON
fsr-3245	51	3	1994	DATE
fsr-3245	54	1	sprott	GPE
fsr-3245	54	2	spangenberg	GPE
fsr-3245	54	3	2005	DATE
fsr-3245	56	1	2000	DATE
fsr-3245	56	2	howlett, kees	ORG
fsr-3245	56	3	kemp	GPE
fsr-3245	56	4	2008	DATE
fsr-3245	56	5	jacobs-lawson	ORG
fsr-3245	56	6	hershey	ORG
fsr-3245	56	7	2005	DATE
fsr-3245	58	1	2.2	CARDINAL
fsr-3245	58	2	only one	CARDINAL
fsr-3245	59	1	gonzalez	PERSON
fsr-3245	59	2	1985	DATE
fsr-3245	59	3	over 11,000	CARDINAL
fsr-3245	59	4	today	DATE
fsr-3245	59	5	stanford	ORG
fsr-3245	62	1	at least one	CARDINAL
fsr-3245	63	1	1985	DATE
fsr-3245	63	2	26	CARDINAL
fsr-3245	63	3	two	CARDINAL
fsr-3245	67	1	1	CARDINAL
fsr-3245	68	1	2.3	CARDINAL
fsr-3245	69	1	390	CARDINAL
fsr-3245	69	2	24	CARDINAL
fsr-3245	69	3	2015	CARDINAL
fsr-3245	69	4	387–410	CARDINAL
fsr-3245	70	1	months	DATE
fsr-3245	71	1	pfp	PERSON
fsr-3245	71	2	2005	DATE
fsr-3245	71	3	2000	DATE
fsr-3245	71	4	2005	DATE
fsr-3245	74	1	second	ORDINAL
fsr-3245	74	2	2	CARDINAL
fsr-3245	74	3	2.4	CARDINAL
fsr-3245	80	1	mitchell, 1978	ORG
fsr-3245	80	2	dickson	GPE
fsr-3245	80	3	1978	DATE
fsr-3245	80	4	huber, 1983	ORG
fsr-3245	80	5	payne, 1982	ORG
fsr-3245	81	1	payne et al.	PERSON
fsr-3245	81	2	1992	DATE
fsr-3245	81	3	berkeley	GPE
fsr-3245	81	4	humphreys	GPE
fsr-3245	81	5	1982	DATE
fsr-3245	81	6	1980	DATE
fsr-3245	81	7	edwards, 1983	ORG
fsr-3245	81	8	einhorn	ORG
fsr-3245	81	9	1976	DATE
fsr-3245	81	10	1982	DATE
fsr-3245	81	11	1987	DATE
fsr-3245	81	12	1987	DATE
fsr-3245	81	13	hogarth	PERSON
fsr-3245	81	14	1981	DATE
fsr-3245	81	15	moreno	ORG
fsr-3245	81	16	2010	DATE
fsr-3245	81	17	smith and kida	ORG
fsr-3245	81	18	1991	DATE
fsr-3245	82	1	1991	DATE
fsr-3245	84	1	third	ORDINAL
fsr-3245	84	2	3	CARDINAL
fsr-3245	85	1	24	CARDINAL
fsr-3245	85	2	2015	CARDINAL
fsr-3245	85	3	387–410 3	CARDINAL
fsr-3245	85	4	3.1	CARDINAL
fsr-3245	86	1	cfp®	ORG
fsr-3245	87	1	cfp®	ORG
fsr-3245	87	2	2015	DATE
fsr-3245	88	1	2012	DATE
fsr-3245	89	1	127	CARDINAL
fsr-3245	89	2	cfp®	ORG
fsr-3245	90	1	cfp®	ORG
fsr-3245	91	1	210	CARDINAL
fsr-3245	91	2	cfp®	ORG
fsr-3245	92	1	180	CARDINAL
fsr-3245	92	2	22	CARDINAL
fsr-3245	92	3	an additional nine	CARDINAL
fsr-3245	93	1	136	CARDINAL
fsr-3245	93	2	nine	CARDINAL
fsr-3245	94	1	17	CARDINAL
fsr-3245	94	2	cfp®	ORG
fsr-3245	94	3	roughly 75%	PERCENT
fsr-3245	94	4	2006	DATE
fsr-3245	95	1	1	CARDINAL
fsr-3245	95	2	98	CARDINAL
fsr-3245	95	3	77.2%	PERCENT
fsr-3245	95	4	29	CARDINAL
fsr-3245	95	5	22.8%	PERCENT
fsr-3245	96	1	76.5%	PERCENT
fsr-3245	96	2	23.4%	PERCENT
fsr-3245	96	3	2006	DATE
fsr-3245	97	1	approximately 46 years old	DATE
fsr-3245	97	2	approximately 11 years	DATE
fsr-3245	98	1	19	CARDINAL
fsr-3245	98	2	18	CARDINAL
fsr-3245	98	3	32	CARDINAL
fsr-3245	98	4	58	CARDINAL
fsr-3245	100	1	3.2	CARDINAL
fsr-3245	101	1	three	CARDINAL
fsr-3245	102	1	first	ORDINAL
fsr-3245	102	2	four	CARDINAL
fsr-3245	102	3	cfp®	ORG
fsr-3245	102	4	three	CARDINAL
fsr-3245	104	1	two	CARDINAL
fsr-3245	105	1	three	CARDINAL
fsr-3245	105	2	one	CARDINAL
fsr-3245	105	3	392	CARDINAL
fsr-3245	105	4	24	CARDINAL
fsr-3245	105	5	2015	CARDINAL
fsr-3245	105	6	387–410	CARDINAL
fsr-3245	107	1	six	CARDINAL
fsr-3245	107	2	one	CARDINAL
fsr-3245	108	1	one	CARDINAL
fsr-3245	108	2	three	CARDINAL
fsr-3245	108	3	first	ORDINAL
fsr-3245	108	4	1	CARDINAL
fsr-3245	108	5	2	CARDINAL
fsr-3245	108	6	3	CARDINAL
fsr-3245	108	7	four	CARDINAL
fsr-3245	108	8	six	CARDINAL
fsr-3245	108	9	second	ORDINAL
fsr-3245	108	10	4	CARDINAL
fsr-3245	108	11	5	CARDINAL
fsr-3245	108	12	6	CARDINAL
fsr-3245	109	1	3	CARDINAL
fsr-3245	110	1	1	CARDINAL
fsr-3245	110	2	n %	PERCENT
fsr-3245	110	3	age (in years	DATE
fsr-3245	110	4	46.2 median	QUANTITY
fsr-3245	110	5	47.0	CARDINAL
fsr-3245	110	6	98 77.2%	PERCENT
fsr-3245	110	7	29 22.8%	PERCENT
fsr-3245	110	8	2 1.6%	PERCENT
fsr-3245	110	9	61	CARDINAL
fsr-3245	110	10	48.0%	PERCENT
fsr-3245	110	11	47 37.0%	PERCENT
fsr-3245	110	12	14 11.0%	PERCENT
fsr-3245	110	13	3 2.4%	PERCENT
fsr-3245	110	14	19 15.0%	PERCENT
fsr-3245	110	15	18 14.2%	PERCENT
fsr-3245	110	16	32 25.2%	PERCENT
fsr-3245	110	17	58 45.6%	PERCENT
fsr-3245	110	18	years	DATE
fsr-3245	110	19	10.9	CARDINAL
fsr-3245	110	20	9.0	CARDINAL
fsr-3245	110	21	1 0.8%	PERCENT
fsr-3245	110	22	127 100.0%	PERCENT
fsr-3245	110	23	2 1.6%	PERCENT
fsr-3245	110	24	26 20.5%	PERCENT
fsr-3245	110	25	5 3.9%	PERCENT
fsr-3245	110	26	22 17.3%	PERCENT
fsr-3245	110	27	37 29.1%	PERCENT
fsr-3245	110	28	10 7.9%	PERCENT
fsr-3245	110	29	19 15.0%	PERCENT
fsr-3245	110	30	5 3.9%	PERCENT
fsr-3245	110	31	52	CARDINAL
fsr-3245	110	32	40.9%	PERCENT
fsr-3245	110	33	6	CARDINAL
fsr-3245	110	34	39	CARDINAL
fsr-3245	110	35	30.7%	PERCENT
fsr-3245	110	36	7	CARDINAL
fsr-3245	110	37	80 63.0%	PERCENT
fsr-3245	110	38	22,23	CARDINAL
fsr-3245	110	39	10 7.9%	PERCENT
fsr-3245	110	40	63,64	CARDINAL
fsr-3245	110	41	70 55.1%	PERCENT
fsr-3245	110	42	24	CARDINAL
fsr-3245	110	43	2015	CARDINAL
fsr-3245	110	44	387–410	CARDINAL
fsr-3245	111	1	appendix a.	PERSON
fsr-3245	111	2	second	ORDINAL
fsr-3245	111	3	30	CARDINAL
fsr-3245	112	1	eight	CARDINAL
fsr-3245	112	2	one	CARDINAL
fsr-3245	113	1	twelve	CARDINAL
fsr-3245	113	2	1994	DATE
fsr-3245	113	3	eighteen	CARDINAL
fsr-3245	113	4	boyd	GPE
fsr-3245	113	5	1999	DATE
fsr-3245	115	1	one	CARDINAL
fsr-3245	115	2	12	CARDINAL
fsr-3245	115	3	one	CARDINAL
fsr-3245	116	1	56	CARDINAL
fsr-3245	116	2	five	CARDINAL
fsr-3245	119	1	2012	DATE
fsr-3245	120	1	2012	DATE
fsr-3245	120	2	nine	CARDINAL
fsr-3245	120	3	0.40	CARDINAL
fsr-3245	120	4	boyd	PERSON
fsr-3245	120	5	1999	DATE
fsr-3245	120	6	nine	CARDINAL
fsr-3245	120	7	0.40	CARDINAL
fsr-3245	121	1	three	CARDINAL
fsr-3245	121	2	four	CARDINAL
fsr-3245	121	3	0.40	CARDINAL
fsr-3245	121	4	boyd	PERSON
fsr-3245	121	5	1999	DATE
fsr-3245	122	1	three	CARDINAL
fsr-3245	122	2	0.40	CARDINAL
fsr-3245	123	1	2012	DATE
fsr-3245	125	1	mitina	GPE
fsr-3245	125	2	blinnikova	ORG
fsr-3245	125	3	2008	DATE
fsr-3245	125	4	2012	DATE
fsr-3245	125	5	worrell	ORG
fsr-3245	125	6	mello	ORG
fsr-3245	125	7	2007	DATE
fsr-3245	126	1	balliet	ORG
fsr-3245	126	2	sprott	GPE
fsr-3245	126	3	spangenberg	GPE
fsr-3245	126	4	schultz	PERSON
fsr-3245	126	5	shaffer	PERSON
fsr-3245	126	6	balliet	ORG
fsr-3245	126	7	2012	DATE
fsr-3245	126	8	petrocelli	PERSON
fsr-3245	126	9	2003	DATE
fsr-3245	126	10	2012	DATE
fsr-3245	126	11	2010	DATE
fsr-3245	127	1	2012	DATE
fsr-3245	128	1	394	CARDINAL
fsr-3245	128	2	24	CARDINAL
fsr-3245	128	3	2015	CARDINAL
fsr-3245	129	1	387–410	CARDINAL
fsr-3245	129	2	12	CARDINAL
fsr-3245	129	3	two	CARDINAL
fsr-3245	129	4	two	CARDINAL
fsr-3245	129	5	four	CARDINAL
fsr-3245	129	6	cfc_f1	PERSON
fsr-3245	130	1	nine	CARDINAL
fsr-3245	130	2	two	CARDINAL
fsr-3245	130	3	two	CARDINAL
fsr-3245	130	4	zpres_1 and zpres_2	LAW
fsr-3245	130	5	three	CARDINAL
fsr-3245	130	6	zfut_1	NORP
fsr-3245	131	1	12	CARDINAL
fsr-3245	131	2	2012	DATE
fsr-3245	132	1	one	CARDINAL
fsr-3245	132	2	one	CARDINAL
fsr-3245	132	3	one	CARDINAL
fsr-3245	134	1	pfp	PERSON
fsr-3245	135	1	4	CARDINAL
fsr-3245	135	2	4.1	CARDINAL
fsr-3245	136	1	nine	CARDINAL
fsr-3245	136	2	2012	DATE
fsr-3245	137	1	seven	CARDINAL
fsr-3245	138	1	2	CARDINAL
fsr-3245	139	1	one	CARDINAL
fsr-3245	139	2	four	CARDINAL
fsr-3245	139	3	five	CARDINAL
fsr-3245	139	4	eight	CARDINAL
fsr-3245	140	1	1	CARDINAL
fsr-3245	141	1	zfut_1	NORP
fsr-3245	141	2	cfc_f1	PERSON
fsr-3245	141	3	between 1.9 and 2.9	CARDINAL
fsr-3245	141	4	eight	CARDINAL
fsr-3245	142	1	approximately 99%	PERCENT
fsr-3245	143	1	90–97%	PERCENT
fsr-3245	145	1	4.4	CARDINAL
fsr-3245	145	2	6.5	CARDINAL
fsr-3245	147	1	2.47	CARDINAL
fsr-3245	147	2	4.42	CARDINAL
fsr-3245	147	3	0.001	CARDINAL
fsr-3245	148	1	395k.n	CARDINAL
fsr-3245	148	2	24	CARDINAL
fsr-3245	148	3	2015	CARDINAL
fsr-3245	148	4	387–410	CARDINAL
fsr-3245	148	5	2.84	CARDINAL
fsr-3245	148	6	6.06	CARDINAL
fsr-3245	148	7	28.150	CARDINAL
fsr-3245	148	8	0.001	CARDINAL
fsr-3245	149	1	4.2	CARDINAL
fsr-3245	149	2	second	ORDINAL
fsr-3245	150	1	anova	ORG
fsr-3245	151	1	only eight	CARDINAL
fsr-3245	154	1	3	CARDINAL
fsr-3245	154	2	12	CARDINAL
fsr-3245	154	3	0.026	CARDINAL
fsr-3245	154	4	4.540	CARDINAL
fsr-3245	154	5	0.005	CARDINAL
fsr-3245	156	1	zpres_1	FAC
fsr-3245	156	2	0.079	CARDINAL
fsr-3245	157	1	tukey-kramer	PERSON
fsr-3245	157	2	three	CARDINAL
fsr-3245	157	3	2	CARDINAL
fsr-3245	157	4	max	PERSON
fsr-3245	157	5	4.42 4.44	CARDINAL
fsr-3245	157	6	2.47	CARDINAL
fsr-3245	157	7	5.00 0.67	CARDINAL
fsr-3245	157	8	2.90	CARDINAL
fsr-3245	157	9	1.17 4.58 0.66	MONEY
fsr-3245	157	10	5.10	CARDINAL
fsr-3245	157	11	3.78	CARDINAL
fsr-3245	157	12	6.75 1.13	MONEY
fsr-3245	157	13	2.68	MONEY
fsr-3245	157	14	6.50 0.84	CARDINAL
fsr-3245	157	15	1.93 2.00 1.00 6.00 0.93	MONEY
fsr-3245	157	16	2.54	CARDINAL
fsr-3245	157	17	0.96	CARDINAL
fsr-3245	157	18	5.97	CARDINAL
fsr-3245	157	19	6.35	CARDINAL
fsr-3245	157	20	0.85	CARDINAL
fsr-3245	157	21	cfc_f1	ORG
fsr-3245	157	22	2.81	CARDINAL
fsr-3245	157	23	6.67 0.84	CARDINAL
fsr-3245	157	24	2.88	CARDINAL
fsr-3245	157	25	7.00 1.21	CARDINAL
fsr-3245	157	26	nine	CARDINAL
fsr-3245	157	27	2012	DATE
fsr-3245	158	1	eight	CARDINAL
fsr-3245	160	1	1	CARDINAL
fsr-3245	160	2	4	CARDINAL
fsr-3245	160	3	1	CARDINAL
fsr-3245	160	4	2	CARDINAL
fsr-3245	160	5	3	CARDINAL
fsr-3245	160	6	4	CARDINAL
fsr-3245	161	1	5	CARDINAL
fsr-3245	161	2	8	CARDINAL
fsr-3245	161	3	5	CARDINAL
fsr-3245	161	4	6	CARDINAL
fsr-3245	161	5	7	CARDINAL
fsr-3245	161	6	8	CARDINAL
fsr-3245	162	1	396	CARDINAL
fsr-3245	162	2	24	CARDINAL
fsr-3245	162	3	2015	CARDINAL
fsr-3245	162	4	387–410	CARDINAL
fsr-3245	163	1	0.013	CARDINAL
fsr-3245	164	1	1.263	CARDINAL
fsr-3245	164	2	0.003	CARDINAL
fsr-3245	164	3	0.026	CARDINAL
fsr-3245	164	4	0.036	CARDINAL
fsr-3245	168	1	12	CARDINAL
fsr-3245	169	1	4.3	CARDINAL
fsr-3245	170	1	third	ORDINAL
fsr-3245	171	1	four	CARDINAL
fsr-3245	172	1	two	CARDINAL
fsr-3245	172	2	six	CARDINAL
fsr-3245	172	3	one	CARDINAL
fsr-3245	172	4	three	CARDINAL
fsr-3245	172	5	four	CARDINAL
fsr-3245	172	6	six	CARDINAL
fsr-3245	173	1	3	CARDINAL
fsr-3245	174	1	4.87	CARDINAL
fsr-3245	174	2	3.93	CARDINAL
fsr-3245	174	3	4.41	CARDINAL
fsr-3245	174	4	4.44	CARDINAL
fsr-3245	174	5	3.195	CARDINAL
fsr-3245	174	6	.026	MONEY
fsr-3245	174	7	2.44	CARDINAL
fsr-3245	174	8	2.43	CARDINAL
fsr-3245	174	9	2.48	CARDINAL
fsr-3245	174	10	2.48	CARDINAL
fsr-3245	174	11	.035	CARDINAL
fsr-3245	175	1	3.03	CARDINAL
fsr-3245	175	2	2.81	CARDINAL
fsr-3245	175	3	.601	CARDINAL
fsr-3245	175	4	2.96	CARDINAL
fsr-3245	175	5	2.86	CARDINAL
fsr-3245	175	6	.689 zpres_1	PERSON
fsr-3245	175	7	5.53	CARDINAL
fsr-3245	175	8	1.03	CARDINAL
fsr-3245	175	9	4.76	CARDINAL
fsr-3245	175	10	.933	CARDINAL
fsr-3245	175	11	4.88	CARDINAL
fsr-3245	175	12	1.06	CARDINAL
fsr-3245	175	13	5.16	CARDINAL
fsr-3245	175	14	1.08	CARDINAL
fsr-3245	175	15	2.317 .079 zpres_2	MONEY
fsr-3245	175	16	4.26	CARDINAL
fsr-3245	175	17	1.25	CARDINAL
fsr-3245	175	18	3.00	CARDINAL
fsr-3245	175	19	3.91	CARDINAL
fsr-3245	175	20	1.19	CARDINAL
fsr-3245	175	21	3.80	CARDINAL
fsr-3245	175	22	1.01	CARDINAL
fsr-3245	175	23	4.540 .005	MONEY
fsr-3245	175	24	zfut_1	NORP
fsr-3245	175	25	2.55	CARDINAL
fsr-3245	175	26	2.53	CARDINAL
fsr-3245	175	27	.630	CARDINAL
fsr-3245	175	28	2.68	CARDINAL
fsr-3245	175	29	1.04	CARDINAL
fsr-3245	175	30	2.76	CARDINAL
fsr-3245	175	31	.507	CARDINAL
fsr-3245	176	1	1.92	CARDINAL
fsr-3245	176	2	1.67	CARDINAL
fsr-3245	176	3	2.03	CARDINAL
fsr-3245	176	4	2.00	CARDINAL
fsr-3245	176	5	1.06	CARDINAL
fsr-3245	177	1	2.63	CARDINAL
fsr-3245	177	2	2.82	CARDINAL
fsr-3245	177	3	1.16	CARDINAL
fsr-3245	177	4	2.51	CARDINAL
fsr-3245	177	5	1.10	CARDINAL
fsr-3245	177	6	2.45	CARDINAL
fsr-3245	178	1	6.00	CARDINAL
fsr-3245	178	2	.833	CARDINAL
fsr-3245	178	3	6.18	CARDINAL
fsr-3245	178	4	5.78	CARDINAL
fsr-3245	178	5	1.00	CARDINAL
fsr-3245	178	6	5.99	CARDINAL
fsr-3245	178	7	1.07	CARDINAL
fsr-3245	178	8	6.38	CARDINAL
fsr-3245	178	9	.663	CARDINAL
fsr-3245	178	10	6.47	CARDINAL
fsr-3245	178	11	6.19	CARDINAL
fsr-3245	178	12	6.38	CARDINAL
fsr-3245	178	13	.550	CARDINAL
fsr-3245	178	14	cfc_f1	ORG
fsr-3245	178	15	3.00	CARDINAL
fsr-3245	178	16	.667	CARDINAL
fsr-3245	178	17	3.17	CARDINAL
fsr-3245	178	18	1.24	CARDINAL
fsr-3245	178	19	2.67	CARDINAL
fsr-3245	178	20	2.72	CARDINAL
fsr-3245	178	21	1.964	CARDINAL
fsr-3245	178	22	3.24	CARDINAL
fsr-3245	178	23	.903	CARDINAL
fsr-3245	178	24	2.47	CARDINAL
fsr-3245	178	25	2.86	CARDINAL
fsr-3245	178	26	2.91	CARDINAL
fsr-3245	178	27	1.21	CARDINAL
fsr-3245	178	28	1.260	CARDINAL
fsr-3245	180	1	24	CARDINAL
fsr-3245	180	2	2015	CARDINAL
fsr-3245	180	3	387–410	CARDINAL
fsr-3245	182	1	4	CARDINAL
fsr-3245	183	1	all 12	CARDINAL
fsr-3245	183	2	tp	ORG
fsr-3245	183	3	four	CARDINAL
fsr-3245	183	4	48	DATE
fsr-3245	183	5	only one	CARDINAL
fsr-3245	183	6	0.05	CARDINAL
fsr-3245	183	7	7	CARDINAL
fsr-3245	184	1	fourth	ORDINAL
fsr-3245	186	1	one	CARDINAL
fsr-3245	186	2	third	ORDINAL
fsr-3245	186	3	4	CARDINAL
fsr-3245	186	4	1	CARDINAL
fsr-3245	186	5	3.11	CARDINAL
fsr-3245	186	6	0.074	CARDINAL
fsr-3245	186	7	0.051	CARDINAL
fsr-3245	186	8	0.003	CARDINAL
fsr-3245	186	9	0.007 zpres_2	QUANTITY
fsr-3245	186	10	0.047	CARDINAL
fsr-3245	186	11	0.529 0.597 0.002 zfut_1	MONEY
fsr-3245	186	12	0.036	CARDINAL
fsr-3245	186	13	0.044	CARDINAL
fsr-3245	186	14	0.498	CARDINAL
fsr-3245	186	15	0.062	CARDINAL
fsr-3245	186	16	0.689 0.492 0.004	QUANTITY
fsr-3245	186	17	0.151	CARDINAL
fsr-3245	186	18	1.710	CARDINAL
fsr-3245	186	19	0.023	CARDINAL
fsr-3245	186	20	cfc_f1	ORG
fsr-3245	186	21	0.060	CARDINAL
fsr-3245	186	22	0.669 0.505 0.004	QUANTITY
fsr-3245	189	1	5	CARDINAL
fsr-3245	189	2	2	CARDINAL
fsr-3245	189	3	2.59	CARDINAL
fsr-3245	189	4	0.021 0.238	MONEY
fsr-3245	189	5	0.812	MONEY
fsr-3245	189	6	0.006	CARDINAL
fsr-3245	189	7	0.048	CARDINAL
fsr-3245	189	8	0.535 0.594 0.002 zpres_2	MONEY
fsr-3245	189	9	0.437 0.005 zfut_1	QUANTITY
fsr-3245	189	10	0.048	MONEY
fsr-3245	189	11	0.590 0.002	CARDINAL
fsr-3245	189	12	0.019	CARDINAL
fsr-3245	189	13	0.209 0.835 0.000	MONEY
fsr-3245	189	14	0.144 0.17	QUANTITY
fsr-3245	189	15	0.042	CARDINAL
fsr-3245	189	16	0.473 0.637 0.002	QUANTITY
fsr-3245	189	17	0.110	CARDINAL
fsr-3245	189	18	0.026	CARDINAL
fsr-3245	189	19	0.294 0.769 0.001	MONEY
fsr-3245	189	20	0.081	CARDINAL
fsr-3245	192	1	398	CARDINAL
fsr-3245	192	2	24	CARDINAL
fsr-3245	192	3	2015	CARDINAL
fsr-3245	193	1	387–410	CARDINAL
fsr-3245	195	1	anova	ORG
fsr-3245	198	1	6	CARDINAL
fsr-3245	198	2	3	CARDINAL
fsr-3245	198	3	0.009	MONEY
fsr-3245	198	4	0.069	CARDINAL
fsr-3245	198	5	0.131	CARDINAL
fsr-3245	198	6	1.479	MONEY
fsr-3245	198	7	0.819 0.414 0.005 zpres_2	MONEY
fsr-3245	198	8	0.088	CARDINAL
fsr-3245	198	9	0.989 0.324	MONEY
fsr-3245	198	10	0.055	CARDINAL
fsr-3245	198	11	0.060 �	MONEY
fsr-3245	198	12	0.671 0.503 0.004	MONEY
fsr-3245	198	13	0.042	CARDINAL
fsr-3245	198	14	1.367 0.174 0.015	MONEY
fsr-3245	198	15	0.008 0.093 0.926	MONEY
fsr-3245	198	16	0.129	CARDINAL
fsr-3245	198	17	1.453	CARDINAL
fsr-3245	198	18	0.082	CARDINAL
fsr-3245	201	1	7	CARDINAL
fsr-3245	201	2	4	CARDINAL
fsr-3245	201	3	3.70	CARDINAL
fsr-3245	201	4	0.151 1.704 0.091 0.023	QUANTITY
fsr-3245	201	5	0.070	CARDINAL
fsr-3245	201	6	0.785 0.434 0.005	MONEY
fsr-3245	201	7	0.072	CARDINAL
fsr-3245	201	8	0.426 0.005 zpres_2	MONEY
fsr-3245	201	9	0.031	CARDINAL
fsr-3245	201	10	0.014	CARDINAL
fsr-3245	201	11	0.153 0.879 0.000	MONEY
fsr-3245	201	12	0.076	CARDINAL
fsr-3245	201	13	0.006	MONEY
fsr-3245	201	14	0.081	CARDINAL
fsr-3245	201	15	0.112	CARDINAL
fsr-3245	201	16	0.011	CARDINAL
fsr-3245	201	17	0.069	CARDINAL
fsr-3245	201	18	0.772 0.441 0.005	QUANTITY
fsr-3245	204	1	24	CARDINAL
fsr-3245	204	2	2015	CARDINAL
fsr-3245	204	3	387–410	CARDINAL
fsr-3245	205	1	1 and 4	DATE
fsr-3245	205	2	2	CARDINAL
fsr-3245	205	3	3	CARDINAL
fsr-3245	208	1	one	CARDINAL
fsr-3245	208	2	one	CARDINAL
fsr-3245	210	1	four	CARDINAL
fsr-3245	211	1	1	CARDINAL
fsr-3245	211	2	2	CARDINAL
fsr-3245	212	1	two	CARDINAL
fsr-3245	213	1	1	CARDINAL
fsr-3245	214	1	12%	PERCENT
fsr-3245	215	1	8%	PERCENT
fsr-3245	215	2	only 6%	PERCENT
fsr-3245	218	1	1	CARDINAL
fsr-3245	218	2	approximately 60%	PERCENT
fsr-3245	218	3	3.11	CARDINAL
fsr-3245	220	1	tp	ORG
fsr-3245	220	2	1	CARDINAL
fsr-3245	221	1	2	CARDINAL
fsr-3245	222	1	annual	DATE
fsr-3245	222	2	12%	PERCENT
fsr-3245	223	1	each year	DATE
fsr-3245	224	1	annual	DATE
fsr-3245	225	1	72%	PERCENT
fsr-3245	225	2	2.59	CARDINAL
fsr-3245	230	1	3	CARDINAL
fsr-3245	230	2	400	CARDINAL
fsr-3245	230	3	24	CARDINAL
fsr-3245	230	4	2015	CARDINAL
fsr-3245	230	5	387–410	CARDINAL
fsr-3245	230	6	annual	DATE
fsr-3245	231	1	2	CARDINAL
fsr-3245	232	1	johnson	PERSON
fsr-3245	235	1	johnson	PERSON
fsr-3245	237	1	70%	PERCENT
fsr-3245	241	1	one	CARDINAL
fsr-3245	241	2	529	PRODUCT
fsr-3245	243	1	4	CARDINAL
fsr-3245	249	1	approximately 44%	PERCENT
fsr-3245	249	2	56%	PERCENT
fsr-3245	249	3	3.70	CARDINAL
fsr-3245	250	1	2	CARDINAL
fsr-3245	250	2	2	CARDINAL
fsr-3245	250	3	2.03	CARDINAL
fsr-3245	250	4	0.154	CARDINAL
fsr-3245	250	5	only one	CARDINAL
fsr-3245	250	6	twelve	CARDINAL
fsr-3245	253	1	3	CARDINAL
fsr-3245	253	2	mitchell,	ORG
fsr-3245	253	3	1978	DATE
fsr-3245	253	4	payne, 1982	ORG
fsr-3245	253	5	payne et al.	PERSON
fsr-3245	253	6	1992	DATE
fsr-3245	254	1	berkeley	GPE
fsr-3245	254	2	humphreys	GPE
fsr-3245	254	3	1982	DATE
fsr-3245	254	4	1980	DATE
fsr-3245	254	5	edwards, 1983	ORG
fsr-3245	254	6	einhorn	ORG
fsr-3245	254	7	1976	DATE
fsr-3245	254	8	1982	DATE
fsr-3245	254	9	1987	DATE
fsr-3245	254	10	1987	DATE
fsr-3245	254	11	hogarth	PERSON
fsr-3245	254	12	1981	DATE
fsr-3245	254	13	2010	DATE
fsr-3245	254	14	smith and kida	ORG
fsr-3245	254	15	1991	DATE
fsr-3245	255	1	401k.n	ORDINAL
fsr-3245	255	2	24	CARDINAL
fsr-3245	255	3	387–410 5	CARDINAL
fsr-3245	255	4	first	ORDINAL
fsr-3245	256	1	gonzalez	PERSON
fsr-3245	256	2	1985	DATE
fsr-3245	258	1	gonzalez	PERSON
fsr-3245	262	1	gonzalez	PERSON
fsr-3245	262	2	1985	DATE
fsr-3245	263	1	second	ORDINAL
fsr-3245	266	1	the aicpa personal financial planning division	ORG
fsr-3245	266	2	2000	DATE
fsr-3245	270	1	third	ORDINAL
fsr-3245	280	1	mitchell, 1978	ORG
fsr-3245	280	2	dickson	GPE
fsr-3245	280	3	1978	DATE
fsr-3245	280	4	huber, 1983	ORG
fsr-3245	280	5	payne, 1982	ORG
fsr-3245	280	6	payne et al.	PERSON
fsr-3245	280	7	1992	DATE
fsr-3245	281	1	402	CARDINAL
fsr-3245	281	2	24	CARDINAL
fsr-3245	281	3	2015	CARDINAL
fsr-3245	281	4	387–410	CARDINAL
fsr-3245	281	5	berkeley	GPE
fsr-3245	281	6	humphreys	GPE
fsr-3245	281	7	1982	DATE
fsr-3245	281	8	1980	DATE
fsr-3245	281	9	edwards, 1983	ORG
fsr-3245	281	10	einhorn	ORG
fsr-3245	281	11	1976	DATE
fsr-3245	281	12	1982	DATE
fsr-3245	281	13	1987	DATE
fsr-3245	281	14	1987	DATE
fsr-3245	281	15	hogarth	PERSON
fsr-3245	281	16	1981	DATE
fsr-3245	282	1	2010	DATE
fsr-3245	282	2	smith and kida	ORG
fsr-3245	282	3	1991	DATE
fsr-3245	284	1	first	ORDINAL
fsr-3245	290	1	gonzalez	PERSON
fsr-3245	290	2	1985	DATE
fsr-3245	297	1	tom kida	PERSON
fsr-3245	297	2	tom langdon	PERSON
fsr-3245	297	3	tom brashear-alejandro	PERSON
fsr-3245	297	4	jim smith	PERSON
fsr-3245	297	5	caren rotello	PERSON
fsr-3245	297	6	pat o’neil	PERSON
fsr-3245	297	7	larry	PERSON
fsr-3245	297	8	john napolitano	PERSON
fsr-3245	297	9	steve gill	PERSON
fsr-3245	298	1	two	CARDINAL
fsr-3245	299	1	1	CARDINAL
fsr-3245	299	2	boyd	GPE
fsr-3245	299	3	1999	DATE
fsr-3245	300	1	403k.n	ORDINAL
fsr-3245	300	2	24	CARDINAL
fsr-3245	300	3	2015	CARDINAL
fsr-3245	300	4	387–410	CARDINAL
fsr-3245	300	5	cfp®	ORG
fsr-3245	300	6	three	CARDINAL
fsr-3245	301	1	one	CARDINAL
fsr-3245	302	1	six	CARDINAL
fsr-3245	302	2	one	CARDINAL
fsr-3245	303	1	one	CARDINAL
fsr-3245	303	2	three	CARDINAL
fsr-3245	303	3	1	CARDINAL
fsr-3245	303	4	2	CARDINAL
fsr-3245	303	5	3	CARDINAL
fsr-3245	303	6	four	CARDINAL
fsr-3245	303	7	six	CARDINAL
fsr-3245	303	8	4	CARDINAL
fsr-3245	303	9	5	CARDINAL
fsr-3245	303	10	6	CARDINAL
fsr-3245	304	1	john	PERSON
fsr-3245	304	2	mary parker	PERSON
fsr-3245	304	3	a number of years	DATE
fsr-3245	305	1	jessica	PERSON
fsr-3245	306	1	john	PERSON
fsr-3245	306	2	mary	PERSON
fsr-3245	307	1	jessica	PERSON
fsr-3245	307	2	john	PERSON
fsr-3245	307	3	mary	PERSON
fsr-3245	307	4	14,000	MONEY
fsr-3245	308	1	two	CARDINAL
fsr-3245	309	1	john	PERSON
fsr-3245	309	2	mary	PERSON
fsr-3245	309	3	25,000	MONEY
fsr-3245	309	4	14,000	MONEY
fsr-3245	312	1	8%	PERCENT
fsr-3245	312	2	five-year	DATE
fsr-3245	313	1	14,000	MONEY
fsr-3245	313	2	john	PERSON
fsr-3245	314	1	annual	DATE
fsr-3245	314	2	12%	PERCENT
fsr-3245	315	1	john	PERSON
fsr-3245	315	2	6%	PERCENT
fsr-3245	315	3	five-year	DATE
fsr-3245	316	1	john	PERSON
fsr-3245	317	1	2	CARDINAL
fsr-3245	317	2	carol	PERSON
fsr-3245	317	3	mike jones	PERSON
fsr-3245	318	1	50,000	MONEY
fsr-3245	320	1	carol	PERSON
fsr-3245	320	2	mike	PERSON
fsr-3245	320	3	two	CARDINAL
fsr-3245	321	1	annual	DATE
fsr-3245	321	2	12%	PERCENT
fsr-3245	323	1	50,000	MONEY
fsr-3245	324	1	approximately 3%	PERCENT
fsr-3245	324	2	last year	DATE
fsr-3245	325	1	10%	PERCENT
fsr-3245	325	2	each year	DATE
fsr-3245	326	1	each year	DATE
fsr-3245	326	2	12%	PERCENT
fsr-3245	327	1	50,000	MONEY
fsr-3245	328	1	approximately 2%	PERCENT
fsr-3245	328	2	last year	DATE
fsr-3245	330	1	each year	DATE
fsr-3245	330	2	12%	PERCENT
fsr-3245	331	1	404	CARDINAL
fsr-3245	331	2	24	CARDINAL
fsr-3245	331	3	2015	CARDINAL
fsr-3245	332	1	387–410	CARDINAL
fsr-3245	332	2	3 mrs	CARDINAL
fsr-3245	332	3	johnson	PERSON
fsr-3245	333	1	45%	PERCENT
fsr-3245	333	2	35%	PERCENT
fsr-3245	334	1	johnson	PERSON
fsr-3245	334	2	ages 4–6	DATE
fsr-3245	336	1	fifty years old	DATE
fsr-3245	337	1	johnson	PERSON
fsr-3245	337	2	annual	DATE
fsr-3245	340	1	two	CARDINAL
fsr-3245	341	1	johnson	PERSON
fsr-3245	342	1	annual	DATE
fsr-3245	342	2	annual	DATE
fsr-3245	345	1	johnson	PERSON
fsr-3245	345	2	annual	DATE
fsr-3245	345	3	529	CARDINAL
fsr-3245	345	4	annual	DATE
fsr-3245	346	1	529	CARDINAL
fsr-3245	346	2	annual	DATE
fsr-3245	347	1	johnson	PERSON
fsr-3245	348	1	4	CARDINAL
fsr-3245	348	2	amherst	PERSON
fsr-3245	349	1	amherst	PERSON
fsr-3245	351	1	1,000,000	MONEY
fsr-3245	352	1	two	CARDINAL
fsr-3245	353	1	1,000,000	MONEY
fsr-3245	354	1	35%	PERCENT
fsr-3245	355	1	1,000,000	MONEY
fsr-3245	357	1	amherst	PERSON
fsr-3245	357	2	30%	PERCENT
fsr-3245	358	1	24	CARDINAL
fsr-3245	358	2	2015	CARDINAL
fsr-3245	358	3	387–410	CARDINAL
fsr-3245	359	1	days	DATE
fsr-3245	359	2	weeks	DATE
fsr-3245	360	1	my day to day	DATE
fsr-3245	361	1	a later date	DATE
fsr-3245	365	1	a later date	DATE
fsr-3245	370	1	many years	DATE
fsr-3245	372	1	many years	DATE
fsr-3245	375	1	2012	DATE
fsr-3245	375	2	12	CARDINAL
fsr-3245	375	3	1994	DATE
fsr-3245	376	1	two	CARDINAL
fsr-3245	376	2	a later date	DATE
fsr-3245	377	1	24	CARDINAL
fsr-3245	377	2	2015	CARDINAL
fsr-3245	378	1	387–410	CARDINAL
fsr-3245	384	1	one day	DATE
fsr-3245	388	1	zfut_1	NORP
fsr-3245	390	1	tomorrow	DATE
fsr-3245	390	2	tonight	TIME
fsr-3245	397	1	each morning	TIME
fsr-3245	401	1	2012	DATE
fsr-3245	401	2	nine	CARDINAL
fsr-3245	401	3	15	CARDINAL
fsr-3245	401	4	nine	CARDINAL
fsr-3245	401	5	13	CARDINAL
fsr-3245	401	6	boyd	GPE
fsr-3245	401	7	1999	DATE
fsr-3245	402	1	2012	DATE
fsr-3245	402	2	three	CARDINAL
fsr-3245	402	3	four	CARDINAL
fsr-3245	402	4	boyd	GPE
fsr-3245	402	5	1999	DATE
fsr-3245	402	6	0.40	CARDINAL
fsr-3245	403	1	three	CARDINAL
fsr-3245	403	2	two	CARDINAL
fsr-3245	403	3	one	CARDINAL
fsr-3245	404	1	18	CARDINAL
fsr-3245	404	2	2012	DATE
fsr-3245	404	3	two	CARDINAL
fsr-3245	404	4	eight	CARDINAL
fsr-3245	404	5	three	CARDINAL
fsr-3245	404	6	nine	CARDINAL
fsr-3245	405	1	one	CARDINAL
fsr-3245	406	1	24	CARDINAL
fsr-3245	406	2	2015	CARDINAL
fsr-3245	407	1	387–410	CARDINAL
fsr-3245	407	2	d. h.	PERSON
fsr-3245	407	3	2007	DATE
fsr-3245	408	1	african american	NORP
fsr-3245	409	1	42	DATE
fsr-3245	409	2	525–538	CARDINAL
fsr-3245	409	3	aicpa	ORG
fsr-3245	410	1	2005	DATE
fsr-3245	412	1	www.aicpa.org/innovation/fp/pfp/homepage.htm beach	GPE
fsr-3245	412	2	l. r.	PERSON
fsr-3245	412	3	t. r.	PERSON
fsr-3245	412	4	1978	DATE
fsr-3245	414	1	academy of management review	ORG
fsr-3245	414	2	3	CARDINAL
fsr-3245	414	3	349–449	CARDINAL
fsr-3245	415	1	berkeley	GPE
fsr-3245	415	2	d., & humphreys	ORG
fsr-3245	415	3	1982	DATE
fsr-3245	417	1	50	CARDINAL
fsr-3245	417	2	201–252	CARDINAL
fsr-3245	418	1	k., jr.	PERSON
fsr-3245	418	2	ciccotello	ORG
fsr-3245	418	3	c. s.	PERSON
fsr-3245	418	4	h. d.	PERSON
fsr-3245	418	5	jr.	PERSON
fsr-3245	418	6	2002	DATE
fsr-3245	420	1	11	CARDINAL
fsr-3245	421	1	boniwell	PERSON
fsr-3245	421	2	i., & zimbardo	ORG
fsr-3245	421	3	p. g.	PERSON
fsr-3245	421	4	2004	DATE
fsr-3245	423	1	p. a. linley & s. joseph	ORG
fsr-3245	424	1	hoboken	GPE
fsr-3245	424	2	nj	ORG
fsr-3245	424	3	wiley	PERSON
fsr-3245	425	1	cauffman	PERSON
fsr-3245	425	2	steinberg	PERSON
fsr-3245	425	3	a. r.	PERSON
fsr-3245	425	4	2005	DATE
fsr-3245	427	1	43	CARDINAL
fsr-3245	427	2	133–175	CARDINAL
fsr-3245	429	1	2006	DATE
fsr-3245	431	1	www.cfpboard	DATE
fsr-3245	433	1	2015	CARDINAL
fsr-3245	435	1	http:// www.cfp.net/become-a-cfp-professional/cfp-certification-requirements	ORG
fsr-3245	435	2	n. l., & dickson	PERSON
fsr-3245	435	3	g. w.	PERSON
fsr-3245	435	4	1978	DATE
fsr-3245	436	1	minnesota	GPE
fsr-3245	437	1	24	CARDINAL
fsr-3245	437	2	1091–1092	DATE
fsr-3245	438	1	j. q.	PERSON
fsr-3245	438	2	2006	DATE
fsr-3245	440	1	european	NORP
fsr-3245	440	2	europeenne de psychologie appliquee	ORG
fsr-3245	440	3	56	CARDINAL
fsr-3245	440	4	191–198	CARDINAL
fsr-3245	441	1	d’alessio, m., guarino, a.	PERSON
fsr-3245	441	2	de pascalis	PERSON
fsr-3245	441	3	p. g.	PERSON
fsr-3245	441	4	2003	DATE
fsr-3245	442	1	stanford	ORG
fsr-3245	442	2	italian	NORP
fsr-3245	443	1	time & society	ORG
fsr-3245	443	2	12	CARDINAL
fsr-3245	443	3	333–347	CARDINAL
fsr-3245	444	1	dorr, n.	PERSON
fsr-3245	444	2	krueckeberg	GPE
fsr-3245	444	3	s., strathman, a., & wood	ORG
fsr-3245	444	4	m. d.	PERSON
fsr-3245	444	5	1999	DATE
fsr-3245	446	1	11	CARDINAL
fsr-3245	446	2	14–27	DATE
fsr-3245	447	1	e., & konecni	ORG
fsr-3245	447	2	1980	DATE
fsr-3245	449	1	t. s. wallsten	PERSON
fsr-3245	449	2	ed	PERSON
fsr-3245	450	1	21–45	CARDINAL
fsr-3245	451	1	hillsdale	GPE
fsr-3245	451	2	nj	ORG
fsr-3245	451	3	lawrence erlbaum	PERSON
fsr-3245	452	1	edwards	ORG
fsr-3245	452	2	w.	PERSON
fsr-3245	452	3	1983	DATE
fsr-3245	454	1	c. humphries	PERSON
fsr-3245	454	2	o. svenson	PERSON
fsr-3245	454	3	a. vari	PERSON
fsr-3245	455	1	507–513	CARDINAL
fsr-3245	456	1	amsterdam	GPE
fsr-3245	456	2	north holland	GPE
fsr-3245	457	1	einhorn	ORG
fsr-3245	457	2	1976	DATE
fsr-3245	459	1	journal of accounting research	ORG
fsr-3245	459	2	14	CARDINAL
fsr-3245	459	3	196–206	CARDINAL
fsr-3245	460	1	elmerick	ORG
fsr-3245	460	2	s. a.	PERSON
fsr-3245	460	3	montalto	GPE
fsr-3245	460	4	c. p.,	PERSON
fsr-3245	460	5	j. j.	PERSON
fsr-3245	460	6	2002	DATE
fsr-3245	461	1	u.s.	GPE
fsr-3245	462	1	11	CARDINAL
fsr-3245	462	2	217–231	CARDINAL
fsr-3245	462	3	1982	DATE
fsr-3245	464	1	d. kahneman	PERSON
fsr-3245	464	2	p. slovic	PERSON
fsr-3245	464	3	a. tversky	PERSON
fsr-3245	465	1	422–444	CARDINAL
fsr-3245	466	1	new york	GPE
fsr-3245	466	2	ny: cambridge university press	ORG
fsr-3245	467	1	1987	DATE
fsr-3245	469	1	r. sternberg & e. smith	ORG
fsr-3245	470	1	new york	GPE
fsr-3245	470	2	ny: cambridge university press	ORG
fsr-3245	471	1	1987	DATE
fsr-3245	473	1	psychological bulletin	ORG
fsr-3245	473	2	101	CARDINAL
fsr-3245	474	1	gonzalez	PERSON
fsr-3245	474	2	a., & zimbardo	ORG
fsr-3245	474	3	p. g.	PERSON
fsr-3245	474	4	1985	DATE
fsr-3245	476	1	today	DATE
fsr-3245	476	2	19	DATE
fsr-3245	476	3	20–26	CARDINAL
fsr-3245	477	1	henson	PERSON
fsr-3245	477	2	j. m.	PERSON
fsr-3245	477	3	carey	PERSON
fsr-3245	477	4	m. p.	PERSON
fsr-3245	477	5	carey	PERSON
fsr-3245	477	6	k. b.	PERSON
fsr-3245	477	7	s. a. (	PERSON
fsr-3245	477	8	2006	DATE
fsr-3245	479	1	29	CARDINAL
fsr-3245	479	2	127–137	CARDINAL
fsr-3245	480	1	hershey	ORG
fsr-3245	480	2	d. a.	PERSON
fsr-3245	480	3	j. c.	PERSON
fsr-3245	480	4	2000	DATE
fsr-3245	482	1	40	CARDINAL
fsr-3245	482	2	687–697	CARDINAL
fsr-3245	483	1	408	CARDINAL
fsr-3245	483	2	24	CARDINAL
fsr-3245	483	3	2015	CARDINAL
fsr-3245	483	4	387–410	CARDINAL
fsr-3245	483	5	r.	PERSON
fsr-3245	483	6	1981	DATE
fsr-3245	485	1	psychological bulletin,	ORG
fsr-3245	485	2	90	DATE
fsr-3245	485	3	197–217	DATE
fsr-3245	486	1	howlett	ORG
fsr-3245	486	2	kees	GPE
fsr-3245	486	3	j., & kemp	ORG
fsr-3245	486	4	e. (2008	PERSON
fsr-3245	488	1	42	CARDINAL
fsr-3245	488	2	223–242	CARDINAL
fsr-3245	489	1	huber	PERSON
fsr-3245	489	2	1983	DATE
fsr-3245	491	1	29	CARDINAL
fsr-3245	491	2	567–579	DATE
fsr-3245	492	1	jacobs-lawson	PERSON
fsr-3245	492	2	j. m., & hershey	PERSON
fsr-3245	492	3	d. a.	PERSON
fsr-3245	492	4	2005	DATE
fsr-3245	494	1	14	DATE
fsr-3245	494	2	331–334	CARDINAL
fsr-3245	495	1	j. (1999	ORG
fsr-3245	497	1	84	CARDINAL
fsr-3245	497	2	1171–1172	DATE
fsr-3245	498	1	joireman	PERSON
fsr-3245	498	2	j.	PERSON
fsr-3245	498	3	balliet	GPE
fsr-3245	498	4	d.	NORP
fsr-3245	498	5	sprott	GPE
fsr-3245	498	6	d.	NORP
fsr-3245	498	7	spangenberg	GPE
fsr-3245	498	8	e., & schultz	ORG
fsr-3245	498	9	j. (2008	PERSON
fsr-3245	500	1	45	CARDINAL
fsr-3245	500	2	15–21	CARDINAL
fsr-3245	500	3	joireman	ORG
fsr-3245	500	4	j., shaffer	PERSON
fsr-3245	500	5	m. j.	PERSON
fsr-3245	500	6	balliet	GPE
fsr-3245	500	7	d., & strathman	ORG
fsr-3245	500	8	a.	PERSON
fsr-3245	500	9	2012	DATE
fsr-3245	501	1	two	CARDINAL
fsr-3245	502	1	38	CARDINAL
fsr-3245	502	2	1272–1287	DATE
fsr-3245	503	1	joireman	PERSON
fsr-3245	503	2	j., sprott	ORG
fsr-3245	503	3	d. e., & spangenberg	ORG
fsr-3245	503	4	e. r.	PERSON
fsr-3245	503	5	2005	DATE
fsr-3245	505	1	39	CARDINAL
fsr-3245	505	2	1159–1168	CARDINAL
fsr-3245	506	1	j., van lange	ORG
fsr-3245	506	2	m., & van vugt	ORG
fsr-3245	506	3	m. (	PERSON
fsr-3245	506	4	2004	DATE
fsr-3245	509	1	36	CARDINAL
fsr-3245	509	2	187–206	CARDINAL
fsr-3245	510	1	keough	PERSON
fsr-3245	510	2	k. a.	PERSON
fsr-3245	510	3	p. g.	PERSON
fsr-3245	510	4	j. n.	PERSON
fsr-3245	510	5	1999	DATE
fsr-3245	513	1	221	CARDINAL
fsr-3245	513	2	149–164	CARDINAL
fsr-3245	514	1	t.	GPE
fsr-3245	514	2	moreno	ORG
fsr-3245	514	3	k., & smith	ORG
fsr-3245	514	4	j. (	PERSON
fsr-3245	514	5	2010	DATE
fsr-3245	516	1	11	CARDINAL
fsr-3245	516	2	mackillop	ORG
fsr-3245	516	3	j., anderson	PERSON
fsr-3245	516	4	e. j.	PERSON
fsr-3245	516	5	b. a.	PERSON
fsr-3245	516	6	mattson	GPE
fsr-3245	516	7	r. e.	PERSON
fsr-3245	517	1	2006	DATE
fsr-3245	519	1	20	CARDINAL
fsr-3245	520	1	mitina, o., & blinnikova	GPE
fsr-3245	520	2	s.	PERSON
fsr-3245	520	3	2008	DATE
fsr-3245	521	1	russian	NORP
fsr-3245	522	1	43	CARDINAL
fsr-3245	522	2	modecki	GPE
fsr-3245	522	3	k. l.	PERSON
fsr-3245	522	4	2008	DATE
fsr-3245	524	1	32	DATE
fsr-3245	524	2	78–91	DATE
fsr-3245	524	3	nuttin	ORG
fsr-3245	524	4	j.	PERSON
fsr-3245	524	5	1985	DATE
fsr-3245	526	1	hillsdale	GPE
fsr-3245	526	2	nj	ORG
fsr-3245	527	1	m. (	PERSON
fsr-3245	527	2	2000	DATE
fsr-3245	529	1	ticker	PERSON
fsr-3245	529	2	5	DATE
fsr-3245	530	1	orbell, s., & hagger	ORG
fsr-3245	530	2	m. (	PERSON
fsr-3245	530	3	2006	DATE
fsr-3245	531	1	2	CARDINAL
fsr-3245	532	1	25	CARDINAL
fsr-3245	532	2	537–548	CARDINAL
fsr-3245	533	1	ouellette	PERSON
fsr-3245	533	2	j. a.	PERSON
fsr-3245	533	3	hessling	GPE
fsr-3245	533	4	r.	NORP
fsr-3245	533	5	f. x.	PERSON
fsr-3245	533	6	m., & gerrard	ORG
fsr-3245	533	7	m. (	PERSON
fsr-3245	533	8	2005	DATE
fsr-3245	535	1	31	DATE
fsr-3245	535	2	610	CARDINAL
fsr-3245	535	3	620	CARDINAL
fsr-3245	536	1	payne	ORG
fsr-3245	536	2	j. w.	PERSON
fsr-3245	536	3	1982	DATE
fsr-3245	538	1	92	CARDINAL
fsr-3245	538	2	382–402	DATE
fsr-3245	539	1	payne	ORG
fsr-3245	539	2	j. w.	PERSON
fsr-3245	539	3	j. r., & johnson	PERSON
fsr-3245	539	4	e. j.	PERSON
fsr-3245	539	5	1992	DATE
fsr-3245	541	1	annual	DATE
fsr-3245	541	2	43	CARDINAL
fsr-3245	542	1	petrocelli	PERSON
fsr-3245	542	2	j. v.	PERSON
fsr-3245	542	3	2003	DATE
fsr-3245	544	1	143	CARDINAL
fsr-3245	544	2	405–413	CARDINAL
fsr-3245	545	1	rothspan	GPE
fsr-3245	545	2	s., & read	ORG
fsr-3245	545	3	s. j. (	PERSON
fsr-3245	545	4	1996	DATE
fsr-3245	547	1	15	CARDINAL
fsr-3245	547	2	131–134	DATE
fsr-3245	548	1	k.	PERSON
fsr-3245	548	2	2012	DATE
fsr-3245	550	1	52	DATE
fsr-3245	550	2	723–727	CARDINAL
fsr-3245	551	1	smith	PERSON
fsr-3245	551	2	j., & kida	ORG
fsr-3245	551	3	t.	GPE
fsr-3245	551	4	1991	DATE
fsr-3245	553	1	psychological bulletin	ORG
fsr-3245	553	2	109	CARDINAL
fsr-3245	553	3	472–489	CARDINAL
fsr-3245	554	1	gleicher	GPE
fsr-3245	554	2	f.	PERSON
fsr-3245	554	3	boninger	PERSON
fsr-3245	554	4	d. s.	PERSON
fsr-3245	554	5	c. s.	PERSON
fsr-3245	554	6	1994	DATE
fsr-3245	555	1	409k.n	CARDINAL
fsr-3245	555	2	24	CARDINAL
fsr-3245	555	3	2015	CARDINAL
fsr-3245	555	4	387–410	CARDINAL
fsr-3245	556	1	66	CARDINAL
fsr-3245	556	2	742–752	CARDINAL
fsr-3245	557	1	toepoel	PERSON
fsr-3245	557	2	2010	DATE
fsr-3245	559	1	48	DATE
fsr-3245	559	2	951–956	CARDINAL
fsr-3245	560	1	10.1016	CARDINAL
fsr-3245	561	1	m. e.	PERSON
fsr-3245	561	2	liu	PERSON
fsr-3245	561	3	macpherson	PERSON
fsr-3245	561	4	r.	NORP
fsr-3245	561	5	t., & stanovich	ORG
fsr-3245	561	6	k. e.	PERSON
fsr-3245	562	1	2007	DATE
fsr-3245	564	1	20	CARDINAL
fsr-3245	564	2	103–124	DATE
fsr-3245	565	1	trahan	PERSON
fsr-3245	565	2	e. a.	PERSON
fsr-3245	565	3	gitman	ORG
fsr-3245	565	4	l. j., & trevino	PERSON
fsr-3245	565	5	m. d.	PERSON
fsr-3245	565	6	2012	DATE
fsr-3245	567	1	21	DATE
fsr-3245	567	2	95–129	DATE
fsr-3245	567	3	1983	DATE
fsr-3245	569	1	18	CARDINAL
fsr-3245	569	2	381–406	CARDINAL
fsr-3245	569	3	warschauer	ORG
fsr-3245	569	4	t.	GPE
fsr-3245	569	5	2002	DATE
fsr-3245	571	1	11	CARDINAL
fsr-3245	571	2	201–216	CARDINAL
fsr-3245	572	1	wolosky	PERSON
fsr-3245	572	2	2005	DATE
fsr-3245	574	1	worrell	PERSON
fsr-3245	574	2	f. c., & mello	PERSON
fsr-3245	574	3	z. r.	PERSON
fsr-3245	574	4	2007	DATE
fsr-3245	576	1	67	CARDINAL
fsr-3245	576	2	487–504	CARDINAL
fsr-3245	577	1	p. g.	PERSON
fsr-3245	577	2	j. n.	PERSON
fsr-3245	577	3	1999	DATE
fsr-3245	579	1	77	DATE
fsr-3245	579	2	1271–1288	DATE
fsr-3245	580	1	p. g.	PERSON
fsr-3245	580	2	keough	PERSON
fsr-3245	580	3	k. a.	PERSON
fsr-3245	580	4	& boyd	ORG
fsr-3245	580	5	j. n. (	PERSON
fsr-3245	580	6	1997	DATE
fsr-3245	582	1	23	CARDINAL
fsr-3245	582	2	1007–1023	DATE
fsr-3245	583	1	410	CARDINAL
fsr-3245	583	2	24	CARDINAL
fsr-3245	583	3	2015	CARDINAL
fsr-3245	583	4	387–410	CARDINAL