id	sid	eid	entity	type
fsr-3442	1	1	qianwen bia	PERSON
fsr-3442	1	2	lukas r. dean*,b	PERSON
fsr-3442	1	3	tao guoc	PERSON
fsr-3442	1	4	xu sund adepartment	PERSON
fsr-3442	1	5	woodbury school of business	ORG
fsr-3442	1	6	utah valley university	ORG
fsr-3442	1	7	800	CARDINAL
fsr-3442	1	8	w. university parkway	ORG
fsr-3442	1	9	orem	GPE
fsr-3442	1	10	84058	DATE
fsr-3442	1	11	woodbury school of business	ORG
fsr-3442	1	12	utah valley university	ORG
fsr-3442	1	13	800	CARDINAL
fsr-3442	1	14	w. university parkway	ORG
fsr-3442	1	15	orem	GPE
fsr-3442	1	16	usa cdepartment	PERSON
fsr-3442	1	17	cotsakos college of business	ORG
fsr-3442	1	18	william paterson university	PERSON
fsr-3442	1	19	1600	CARDINAL
fsr-3442	1	20	wayne	GPE
fsr-3442	1	21	nj 07470	ORG
fsr-3442	1	22	woodbury school of business	ORG
fsr-3442	1	23	utah valley university	ORG
fsr-3442	1	24	800	CARDINAL
fsr-3442	1	25	w. university parkway	ORG
fsr-3442	1	26	orem	GPE
fsr-3442	1	27	84058	DATE
fsr-3442	1	28	2013	DATE
fsr-3442	5	1	2021	CARDINAL
fsr-3442	7	1	1	CARDINAL
fsr-3442	9	1	the past decade	DATE
fsr-3442	10	1	today	DATE
fsr-3442	12	1	+1-801-863-8236	PRODUCT
fsr-3442	12	2	+1-801-863-7218	PRODUCT
fsr-3442	13	1	1057-0810/21/$	CARDINAL
fsr-3442	13	2	2021	CARDINAL
fsr-3442	15	1	29	CARDINAL
fsr-3442	15	2	2021	CARDINAL
fsr-3442	15	3	29–54	CARDINAL
fsr-3442	15	4	parrish & servon,	ORG
fsr-3442	15	5	2006	DATE
fsr-3442	17	1	three-fourths	CARDINAL
fsr-3442	17	2	u.s.	GPE
fsr-3442	17	3	2018	DATE
fsr-3442	17	4	about 50%	PERCENT
fsr-3442	17	5	the past 12months	DATE
fsr-3442	17	6	2018	DATE
fsr-3442	18	1	lee & lee, 2001	ORG
fsr-3442	18	2	jagtiani & lemieux	ORG
fsr-3442	18	3	2018	DATE
fsr-3442	20	1	hilgert	PERSON
fsr-3442	20	2	2004	DATE
fsr-3442	21	1	2000	DATE
fsr-3442	22	1	kim	PERSON
fsr-3442	22	2	2005	DATE
fsr-3442	22	3	jun & cai	ORG
fsr-3442	22	4	2001	DATE
fsr-3442	22	5	lee	GPE
fsr-3442	22	6	lee, & eastwood	ORG
fsr-3442	22	7	2003	DATE
fsr-3442	22	8	lee & lee	ORG
fsr-3442	22	9	2000	DATE
fsr-3442	23	1	hanna	PERSON
fsr-3442	23	2	2011	DATE
fsr-3442	24	1	2008	DATE
fsr-3442	28	1	two	CARDINAL
fsr-3442	31	1	2013	DATE
fsr-3442	32	1	xiao	PERSON
fsr-3442	32	2	2011	DATE
fsr-3442	32	3	xiao et al	PERSON
fsr-3442	32	4	2007	DATE
fsr-3442	32	5	2010	DATE
fsr-3442	33	1	2000	DATE
fsr-3442	33	2	first	ORDINAL
fsr-3442	33	3	13	CARDINAL
fsr-3442	34	1	three	CARDINAL
fsr-3442	34	2	thirteen	CARDINAL
fsr-3442	35	1	30	CARDINAL
fsr-3442	35	2	q. bi et al	PERSON
fsr-3442	35	3	29	CARDINAL
fsr-3442	35	4	2021	CARDINAL
fsr-3442	35	5	29–54	CARDINAL
fsr-3442	37	1	81.9%	PERCENT
fsr-3442	37	2	72.4%	PERCENT
fsr-3442	37	3	21.2%	PERCENT
fsr-3442	37	4	67.5%	PERCENT
fsr-3442	37	5	57%	PERCENT
fsr-3442	37	6	86.4%	PERCENT
fsr-3442	37	7	21%	PERCENT
fsr-3442	38	1	hilgert	PERSON
fsr-3442	38	2	2004	DATE
fsr-3442	38	3	2008	DATE
fsr-3442	43	1	2016	DATE
fsr-3442	45	1	u.s.	GPE
fsr-3442	48	1	section 2	LAW
fsr-3442	50	1	section 3	LAW
fsr-3442	50	2	section 4	LAW
fsr-3442	51	1	section 5	LAW
fsr-3442	52	1	2	CARDINAL
fsr-3442	52	2	2.1	CARDINAL
fsr-3442	53	1	grable	PERSON
fsr-3442	53	2	1996	DATE
fsr-3442	54	1	2009	DATE
fsr-3442	54	2	dean et al.	PERSON
fsr-3442	54	3	2013	DATE
fsr-3442	55	1	q. bi et al	PERSON
fsr-3442	55	2	29	CARDINAL
fsr-3442	55	3	2021	CARDINAL
fsr-3442	55	4	29–54 31	DATE
fsr-3442	55	5	three	CARDINAL
fsr-3442	56	1	2.1.1	CARDINAL
fsr-3442	58	1	u.s.	GPE
fsr-3442	58	2	at least one	CARDINAL
fsr-3442	58	3	the past year	DATE
fsr-3442	58	4	at least 60 days	DATE
fsr-3442	58	5	hogarth & anguelov	ORG
fsr-3442	58	6	2004	DATE
fsr-3442	60	1	2008	DATE
fsr-3442	60	2	americans	NORP
fsr-3442	60	3	about $976 billion	MONEY
fsr-3442	60	4	2009	DATE
fsr-3442	61	1	the federal reserve	ORG
fsr-3442	61	2	2013	DATE
fsr-3442	61	3	7.6%	PERCENT
fsr-3442	61	4	annual	DATE
fsr-3442	61	5	$21 billion	MONEY
fsr-3442	61	6	2009	DATE
fsr-3442	61	7	$26.2 billion	MONEY
fsr-3442	61	8	2012	DATE
fsr-3442	62	1	u.s.	GPE
fsr-3442	62	2	more than five	CARDINAL
fsr-3442	62	3	at least $1,000	MONEY
fsr-3442	62	4	experian	ORG
fsr-3442	62	5	2009	DATE
fsr-3442	63	1	2019	CARDINAL
fsr-3442	63	2	5,668	MONEY
fsr-3442	63	3	2,022	MONEY
fsr-3442	63	4	q3 2019.1	ORG
fsr-3442	63	5	rutherford	GPE
fsr-3442	63	6	devaney	ORG
fsr-3442	63	7	2009	DATE
fsr-3442	63	8	two	CARDINAL
fsr-3442	65	1	2001	DATE
fsr-3442	68	1	rutherford & devaney	ORG
fsr-3442	68	2	2009	DATE
fsr-3442	68	3	first	ORDINAL
fsr-3442	68	4	amar et al.	PERSON
fsr-3442	68	5	2011	DATE
fsr-3442	70	1	11%	PERCENT
fsr-3442	70	2	the united states	GPE
fsr-3442	70	3	greater than 40%	PERCENT
fsr-3442	70	4	2001	DATE
fsr-3442	71	1	15%	PERCENT
fsr-3442	71	2	2007	DATE
fsr-3442	71	3	18.5%	PERCENT
fsr-3442	71	4	2010	DATE
fsr-3442	72	1	bricker et al	PERSON
fsr-3442	73	1	2017	CARDINAL
fsr-3442	73	2	u.s.	GPE
fsr-3442	73	3	over 20%	PERCENT
fsr-3442	75	1	2003	DATE
fsr-3442	75	2	greater than 40%	PERCENT
fsr-3442	78	1	32	CARDINAL
fsr-3442	78	2	q. bi et al	PERSON
fsr-3442	78	3	29	CARDINAL
fsr-3442	78	4	2021	CARDINAL
fsr-3442	78	5	29–54	CARDINAL
fsr-3442	78	6	2.1.2	CARDINAL
fsr-3442	79	1	modigliani & brumberg	ORG
fsr-3442	79	2	1954	DATE
fsr-3442	82	1	one	CARDINAL
fsr-3442	83	1	rutherford	ORG
fsr-3442	83	2	devaney	ORG
fsr-3442	83	3	2009	DATE
fsr-3442	83	4	five years	DATE
fsr-3442	84	1	at least five years	DATE
fsr-3442	85	1	stawski et al	PERSON
fsr-3442	86	1	2007	DATE
fsr-3442	87	1	2003	DATE
fsr-3442	88	1	2007	DATE
fsr-3442	89	1	al.	GPE
fsr-3442	89	2	2002	DATE
fsr-3442	89	3	lusardi	PERSON
fsr-3442	89	4	2010	DATE
fsr-3442	91	1	lee	PERSON
fsr-3442	91	2	hogarth	PERSON
fsr-3442	91	3	1999	DATE
fsr-3442	92	1	rutherford & devaney	ORG
fsr-3442	92	2	2009	DATE
fsr-3442	94	1	2.1.3	CARDINAL
fsr-3442	97	1	lin	PERSON
fsr-3442	97	2	2007	DATE
fsr-3442	100	1	under 18	DATE
fsr-3442	100	2	1989	DATE
fsr-3442	101	1	around two-thirds	CARDINAL
fsr-3442	101	2	more than one-third	CARDINAL
fsr-3442	101	3	bernheim et al.	ORG
fsr-3442	101	4	2001	DATE
fsr-3442	102	1	q. bi et al	PERSON
fsr-3442	102	2	29	CARDINAL
fsr-3442	102	3	2021	CARDINAL
fsr-3442	102	4	29–54 33	DATE
fsr-3442	102	5	al.	GPE
fsr-3442	102	6	2003	DATE
fsr-3442	105	1	1977	DATE
fsr-3442	105	2	4.3%	PERCENT
fsr-3442	105	3	more than 20%	PERCENT
fsr-3442	105	4	1994	DATE
fsr-3442	106	1	2007	DATE
fsr-3442	106	2	jeske & kitao	ORG
fsr-3442	106	3	2009	DATE
fsr-3442	109	1	2006	DATE
fsr-3442	110	1	between 1985 and 2004	DATE
fsr-3442	110	2	over 100%	PERCENT
fsr-3442	110	3	chen & van der klaauw	ORG
fsr-3442	110	4	2008	DATE
fsr-3442	113	1	about over one	CARDINAL
fsr-3442	113	2	four	CARDINAL
fsr-3442	113	3	today	DATE
fsr-3442	113	4	20 year-olds	DATE
fsr-3442	113	5	age 67	DATE
fsr-3442	113	6	ssa	ORG
fsr-3442	113	7	2019	DATE
fsr-3442	114	1	68%	PERCENT
fsr-3442	114	2	ssa	ORG
fsr-3442	114	3	2019	DATE
fsr-3442	117	1	days	DATE
fsr-3442	117	2	huston & chang,	ORG
fsr-3442	117	3	1997	DATE
fsr-3442	118	1	three-month	DATE
fsr-3442	118	2	chang & huston, 1995	ORG
fsr-3442	118	3	huston & chang, 1997	ORG
fsr-3442	119	1	2.2	CARDINAL
fsr-3442	119	2	hilgert	PERSON
fsr-3442	119	3	2004	DATE
fsr-3442	120	1	lee & lee,	ORG
fsr-3442	120	2	2000	DATE
fsr-3442	121	1	34	CARDINAL
fsr-3442	121	2	q. bi et al	PERSON
fsr-3442	121	3	29	CARDINAL
fsr-3442	121	4	2021	CARDINAL
fsr-3442	121	5	29–54	CARDINAL
fsr-3442	121	6	hilgert	PERSON
fsr-3442	121	7	hogarth	PERSON
fsr-3442	121	8	2004	DATE
fsr-3442	121	9	three	CARDINAL
fsr-3442	124	1	kolodinsky, hogarth, & hilgert	ORG
fsr-3442	124	2	2004	DATE
fsr-3442	126	1	kolodinsky et al.	PERSON
fsr-3442	126	2	2004	DATE
fsr-3442	126	3	2008	DATE
fsr-3442	127	1	davis	PERSON
fsr-3442	127	2	1989	DATE
fsr-3442	128	1	stoneman & kwon,	ORG
fsr-3442	128	2	1994	DATE
fsr-3442	129	1	1987	DATE
fsr-3442	131	1	kim et al.	PERSON
fsr-3442	131	2	2005	DATE
fsr-3442	132	1	two	CARDINAL
fsr-3442	136	1	now than 50 years ago	DATE
fsr-3442	140	1	lee & lee, 2001	ORG
fsr-3442	143	1	butryn,	ORG
fsr-3442	143	2	webb, & wadden	ORG
fsr-3442	143	3	2011	DATE
fsr-3442	144	1	2016	DATE
fsr-3442	147	1	q. bi et al	PERSON
fsr-3442	147	2	29	CARDINAL
fsr-3442	147	3	2021	CARDINAL
fsr-3442	147	4	29–54 35	DATE
fsr-3442	148	1	modigliani & brumberg	ORG
fsr-3442	148	2	1954	DATE
fsr-3442	148	3	becker & tomes	ORG
fsr-3442	148	4	1994	DATE
fsr-3442	153	1	1	CARDINAL
fsr-3442	154	1	huston	ORG
fsr-3442	154	2	2010	DATE
fsr-3442	155	1	two	CARDINAL
fsr-3442	155	2	becker & tomes	ORG
fsr-3442	155	3	1994	DATE
fsr-3442	156	1	1	CARDINAL
fsr-3442	158	1	huston	ORG
fsr-3442	158	2	2010	DATE
fsr-3442	160	1	1	CARDINAL
fsr-3442	161	1	36	CARDINAL
fsr-3442	161	2	q. bi et al	PERSON
fsr-3442	161	3	29	CARDINAL
fsr-3442	161	4	2021	CARDINAL
fsr-3442	161	5	29–54	CARDINAL
fsr-3442	163	1	huston	ORG
fsr-3442	163	2	2010	DATE
fsr-3442	167	1	1	CARDINAL
fsr-3442	167	2	cultural= environmental influences	ORG
fsr-3442	168	1	0 +	CARDINAL
fsr-3442	169	1	2(generalhousehold	CARDINAL
fsr-3442	170	1	3-6(financial	CARDINAL
fsr-3442	172	1	8	CARDINAL
fsr-3442	173	1	10-12(education	CARDINAL
fsr-3442	176	1	14	CARDINAL
fsr-3442	177	1	17-20	CARDINAL
fsr-3442	178	1	21-22(household	DATE
fsr-3442	179	1	23(presence	CARDINAL
fsr-3442	179	2	under 18	DATE
fsr-3442	181	1	25-26(race	CARDINAL
fsr-3442	182	1	27(economic	CARDINAL
fsr-3442	184	1	29-30(risk	CARDINAL
fsr-3442	185	1	2	CARDINAL
fsr-3442	186	1	3	CARDINAL
fsr-3442	186	2	2013	DATE
fsr-3442	186	3	scf).2	GPE
fsr-3442	186	4	u.s.	GPE
fsr-3442	186	5	the federal reserve	ORG
fsr-3442	186	6	the internal revenue service	ORG
fsr-3442	186	7	norc	ORG
fsr-3442	186	8	the university of chicago	ORG
fsr-3442	188	1	the federal reserve	ORG
fsr-3442	188	2	2013	DATE
fsr-3442	188	3	6,015	CARDINAL
fsr-3442	191	1	5,447	CARDINAL
fsr-3442	192	1	3.1	CARDINAL
fsr-3442	192	2	thirteen	CARDINAL
fsr-3442	193	1	three	CARDINAL
fsr-3442	193	2	29	CARDINAL
fsr-3442	193	3	2021	CARDINAL
fsr-3442	193	4	29–54	CARDINAL
fsr-3442	193	5	37	CARDINAL
fsr-3442	194	1	ab le 1	ORG
fsr-3442	194	2	k ed h o u se h	ORG
fsr-3442	196	1	io	LOC
fsr-3442	196	2	io	LOC
fsr-3442	196	3	ea su	PERSON
fsr-3442	196	4	k ed h o u se h o ld s	ORG
fsr-3442	196	5	s ta n	PERSON
fsr-3442	198	1	1	CARDINAL
fsr-3442	199	1	al l lo	PERSON
fsr-3442	199	2	o rt g ag e p ay m en ts m	PERSON
fsr-3442	200	1	ea	CARDINAL
fsr-3442	201	1	e. 8 5	ORG
fsr-3442	204	1	n tu rn ed	FAC
fsr-3442	209	1	ed fu	PERSON
fsr-3442	210	1	o	DATE
fsr-3442	212	1	ea	CARDINAL
fsr-3442	212	2	ec	ORG
fsr-3442	213	1	o	DATE
fsr-3442	215	1	g tu rn ed	PERSON
fsr-3442	218	1	2 7	CARDINAL
fsr-3442	218	2	g cr	FAC
fsr-3442	220	1	g m	ORG
fsr-3442	221	1	e. 6 1	DATE
fsr-3442	222	1	1	CARDINAL
fsr-3442	222	2	n ev er fi le	ORG
fsr-3442	224	1	e. 8 6	DATE
fsr-3442	224	2	0	CARDINAL
fsr-3442	225	1	o 1	DATE
fsr-3442	226	1	al le	PERSON
fsr-3442	226	2	3 6 %	PERCENT
fsr-3442	226	3	0	CARDINAL
fsr-3442	227	1	e. 8 9	DATE
fsr-3442	228	1	1 1	CARDINAL
fsr-3442	229	1	ea	CARDINAL
fsr-3442	231	1	o	DATE
fsr-3442	232	1	e. 5 8	DATE
fsr-3442	233	1	2 7	CARDINAL
fsr-3442	233	2	1	CARDINAL
fsr-3442	233	3	ac tu al ly h av e sa v ed	PERSON
fsr-3442	234	1	o	DATE
fsr-3442	236	1	o	DATE
fsr-3442	238	1	1	CARDINAL
fsr-3442	238	2	aj o r d	PERSON
fsr-3442	238	3	ec	ORG
fsr-3442	238	4	io	LOC
fsr-3442	238	5	n s ab	ORG
fsr-3442	251	1	o	DATE
fsr-3442	253	1	o	DATE
fsr-3442	254	1	1	CARDINAL
fsr-3442	254	2	aj o r d	PERSON
fsr-3442	254	3	ec	ORG
fsr-3442	254	4	io	LOC
fsr-3442	254	5	n s ab	ORG
fsr-3442	255	1	o	DATE
fsr-3442	261	1	4 5	CARDINAL
fsr-3442	262	1	1 8	CARDINAL
fsr-3442	262	2	y li fe	PERSON
fsr-3442	262	3	su ra n ce 1	PERSON
fsr-3442	262	4	ch il	PERSON
fsr-3442	263	1	1 8	CARDINAL
fsr-3442	263	2	y li fe	PERSON
fsr-3442	263	3	su ra n ce	PERSON
fsr-3442	264	1	1 8	CARDINAL
fsr-3442	264	2	u se h o ld	ORG
fsr-3442	264	3	0	CARDINAL
fsr-3442	265	1	e. 8 9	DATE
fsr-3442	266	1	8 4	CARDINAL
fsr-3442	266	2	ea	CARDINAL
fsr-3442	266	3	su ra n ce 1	PERSON
fsr-3442	266	4	u se h	ORG
fsr-3442	267	1	ea	CARDINAL
fsr-3442	267	2	su ra n ce	PERSON
fsr-3442	267	3	e. 8 1	FAC
fsr-3442	269	1	su ra n ce 1	PERSON
fsr-3442	269	2	ea	CARDINAL
fsr-3442	273	1	w	PERSON
fsr-3442	273	2	su ra	PERSON
fsr-3442	274	1	su ra	PERSON
fsr-3442	276	1	e. 2 5	ORG
fsr-3442	278	1	3	MONEY
fsr-3442	278	2	0	CARDINAL
fsr-3442	281	1	o	DATE
fsr-3442	281	2	n g co n	ORG
fsr-3442	282	1	o	DATE
fsr-3442	282	2	3	MONEY
fsr-3442	282	3	0	CARDINAL
fsr-3442	285	1	e. 8 6	FAC
fsr-3442	287	1	38	CARDINAL
fsr-3442	287	2	q. bi et al	PERSON
fsr-3442	287	3	29	CARDINAL
fsr-3442	287	4	2021	CARDINAL
fsr-3442	287	5	29–54	CARDINAL
fsr-3442	287	6	1	CARDINAL
fsr-3442	288	1	more than 85%	PERCENT
fsr-3442	288	2	36%	PERCENT
fsr-3442	289	1	76.4%	PERCENT
fsr-3442	289	2	61.5%	PERCENT
fsr-3442	290	1	58.5%	PERCENT
fsr-3442	290	2	a few years ahead	DATE
fsr-3442	291	1	75.1%	PERCENT
fsr-3442	292	1	89%	PERCENT
fsr-3442	292	2	under 18	DATE
fsr-3442	292	3	81.1%	PERCENT
fsr-3442	293	1	86.6%	PERCENT
fsr-3442	293	2	only 25.4%	PERCENT
fsr-3442	294	1	three	CARDINAL
fsr-3442	295	1	first	ORDINAL
fsr-3442	295	2	13	CARDINAL
fsr-3442	296	1	second	ORDINAL
fsr-3442	297	1	huston	PERSON
fsr-3442	297	2	2013	DATE
fsr-3442	297	3	eight	CARDINAL
fsr-3442	298	1	letkiewicz	PERSON
fsr-3442	298	2	robinson	PERSON
fsr-3442	298	3	2016	DATE
fsr-3442	299	1	thirteen	CARDINAL
fsr-3442	299	2	first	ORDINAL
fsr-3442	300	1	2.27	CARDINAL
fsr-3442	300	2	1.50	CARDINAL
fsr-3442	301	1	1	CARDINAL
fsr-3442	302	1	0.10	CARDINAL
fsr-3442	302	2	0.25	CARDINAL
fsr-3442	305	1	2	CARDINAL
fsr-3442	305	2	three	CARDINAL
fsr-3442	306	1	zero	CARDINAL
fsr-3442	306	2	13	CARDINAL
fsr-3442	307	1	at least two	CARDINAL
fsr-3442	308	1	nine and 10	DATE
fsr-3442	309	1	eight to 12	CARDINAL
fsr-3442	309	2	only 4.28%	PERCENT
fsr-3442	310	1	2	CARDINAL
fsr-3442	310	2	q. bi et al	PERSON
fsr-3442	310	3	29	CARDINAL
fsr-3442	310	4	2021	CARDINAL
fsr-3442	310	5	29–54	CARDINAL
fsr-3442	310	6	39 3.2	CARDINAL
fsr-3442	311	1	huston	ORG
fsr-3442	311	2	2010	DATE
fsr-3442	313	1	seven	CARDINAL
fsr-3442	314	1	3.2.1	CARDINAL
fsr-3442	314	2	hilgert	PERSON
fsr-3442	314	3	2004	DATE
fsr-3442	317	1	2	CARDINAL
fsr-3442	317	2	zero	CARDINAL
fsr-3442	317	3	one	CARDINAL
fsr-3442	317	4	0.03	CARDINAL
fsr-3442	317	5	0.33	CARDINAL
fsr-3442	317	6	0.91	CARDINAL
fsr-3442	317	7	2.05	CARDINAL
fsr-3442	317	8	9.4	CARDINAL
fsr-3442	317	9	13.33	CARDINAL
fsr-3442	317	10	16.48	CARDINAL
fsr-3442	317	11	17.36	CARDINAL
fsr-3442	317	12	12.88	CARDINAL
fsr-3442	317	13	9.44	CARDINAL
fsr-3442	317	14	10	CARDINAL
fsr-3442	317	15	0.153 median	QUANTITY
fsr-3442	317	16	0.011	CARDINAL
fsr-3442	317	17	0.500 median	MONEY
fsr-3442	317	18	q. bi et al	PERSON
fsr-3442	317	19	29	CARDINAL
fsr-3442	317	20	2021	CARDINAL
fsr-3442	317	21	29–54	CARDINAL
fsr-3442	319	1	hilgert	PERSON
fsr-3442	319	2	2004	DATE
fsr-3442	323	1	3.2.2	CARDINAL
fsr-3442	323	2	hilgert	PERSON
fsr-3442	323	3	2004	DATE
fsr-3442	326	1	hilgert	PERSON
fsr-3442	326	2	2004	DATE
fsr-3442	332	1	3	CARDINAL
fsr-3442	332	2	81.9%	PERCENT
fsr-3442	334	1	only 21.2%	PERCENT
fsr-3442	334	2	67.5%	PERCENT
fsr-3442	335	1	21.2%	PERCENT
fsr-3442	336	1	two	CARDINAL
fsr-3442	338	1	three	CARDINAL
fsr-3442	339	1	first	ORDINAL
fsr-3442	340	1	3	CARDINAL
fsr-3442	340	2	q. bi et al	PERSON
fsr-3442	340	3	29	CARDINAL
fsr-3442	340	4	2021	CARDINAL
fsr-3442	340	5	29–54	CARDINAL
fsr-3442	340	6	41	CARDINAL
fsr-3442	340	7	o	DATE
fsr-3442	340	8	al te ch n	PERSON
fsr-3442	341	1	ia	GPE
fsr-3442	342	1	ia	GPE
fsr-3442	342	2	ia	GPE
fsr-3442	342	3	ec	ORG
fsr-3442	344	1	u se h	ORG
fsr-3442	346	1	al v ar ia b le s	PERSON
fsr-3442	346	2	ea su	PERSON
fsr-3442	346	3	k ed h o u	ORG
fsr-3442	347	1	s ta n	PERSON
fsr-3442	349	1	n sa ct io n te ch n	FAC
fsr-3442	351	1	u si n	PERSON
fsr-3442	353	1	o	DATE
fsr-3442	353	2	al lo	PERSON
fsr-3442	355	1	o	DATE
fsr-3442	357	1	o	DATE
fsr-3442	358	1	0	CARDINAL
fsr-3442	358	2	8 1 .9	QUANTITY
fsr-3442	359	1	3	CARDINAL
fsr-3442	360	1	o	DATE
fsr-3442	360	2	ch ar g e ca	PERSON
fsr-3442	360	3	rd	GPE
fsr-3442	360	4	0	CARDINAL
fsr-3442	361	1	7 2 .4	MONEY
fsr-3442	361	2	8 9	CARDINAL
fsr-3442	361	3	p h	ORG
fsr-3442	362	1	1	CARDINAL
fsr-3442	362	2	ed p h	ORG
fsr-3442	363	1	u si n	PERSON
fsr-3442	366	1	2 1 .2	QUANTITY
fsr-3442	367	1	2 2	CARDINAL
fsr-3442	367	2	1	CARDINAL
fsr-3442	367	3	u se co m	ORG
fsr-3442	368	1	u si n	PERSON
fsr-3442	371	1	6 7	DATE
fsr-3442	371	2	0	CARDINAL
fsr-3442	372	1	7 1	CARDINAL
fsr-3442	372	2	g te ch n	FAC
fsr-3442	374	1	1	CARDINAL
fsr-3442	375	1	ti li	PERSON
fsr-3442	376	1	o rt g ag e o r	PERSON
fsr-3442	376	2	al ly p	PERSON
fsr-3442	383	1	ec	ORG
fsr-3442	383	2	0	CARDINAL
fsr-3442	385	1	ec	ORG
fsr-3442	386	1	t 1	DATE
fsr-3442	386	2	ch ec	PERSON
fsr-3442	387	1	o	DATE
fsr-3442	387	2	o ci al s	PERSON
fsr-3442	387	3	ec	ORG
fsr-3442	387	4	al ly p	PERSON
fsr-3442	387	5	ac	ORG
fsr-3442	388	1	2 6	CARDINAL
fsr-3442	388	2	u se co m	ORG
fsr-3442	389	1	2 1	DATE
fsr-3442	389	2	2	CARDINAL
fsr-3442	390	1	o	DATE
fsr-3442	391	1	si te te ch n o	PERSON
fsr-3442	392	1	ea su	PERSON
fsr-3442	392	2	ea n	QUANTITY
fsr-3442	392	3	ia n	FAC
fsr-3442	392	4	n sa ct io	FAC
fsr-3442	392	5	al te ch u sa g e	PERSON
fsr-3442	392	6	g te ch u sa g e	FAC
fsr-3442	392	7	8 5	CARDINAL
fsr-3442	392	8	ia	GPE
fsr-3442	392	9	al h o u se h	ORG
fsr-3442	394	1	al v ar ia b le s	PERSON
fsr-3442	394	2	ea su	PERSON
fsr-3442	394	3	k ed h o u	ORG
fsr-3442	396	1	2	CARDINAL
fsr-3442	396	2	u se h	ORG
fsr-3442	397	1	0 % to 2 0 %	PERCENT
fsr-3442	398	1	2	CARDINAL
fsr-3442	398	2	2 1	DATE
fsr-3442	398	3	4	CARDINAL
fsr-3442	399	1	u se h	ORG
fsr-3442	400	1	2 0 % to 4 0 %	PERCENT
fsr-3442	401	1	2	CARDINAL
fsr-3442	401	2	6	CARDINAL
fsr-3442	402	1	u se h	ORG
fsr-3442	403	1	4 0 % to 6 0 %	PERCENT
fsr-3442	404	1	2	CARDINAL
fsr-3442	404	2	8	CARDINAL
fsr-3442	405	1	u se h	ORG
fsr-3442	406	1	6 0 % to 8 0 %	PERCENT
fsr-3442	408	1	2 0	DATE
fsr-3442	408	2	42	CARDINAL
fsr-3442	408	3	q. bi et al	PERSON
fsr-3442	408	4	29	CARDINAL
fsr-3442	408	5	2021	CARDINAL
fsr-3442	408	6	29–54	CARDINAL
fsr-3442	409	1	ia	GPE
fsr-3442	409	2	al h	ORG
fsr-3442	410	1	u se h	ORG
fsr-3442	412	1	al v ar ia b le s	PERSON
fsr-3442	412	2	ea su	PERSON
fsr-3442	412	3	k ed h o u	ORG
fsr-3442	413	1	(%	PERCENT
fsr-3442	413	2	8 1	DATE
fsr-3442	413	3	1	CARDINAL
fsr-3442	413	4	u se h	ORG
fsr-3442	414	1	8 0 % to	PERCENT
fsr-3442	414	2	0 %	PERCENT
fsr-3442	415	1	2 0	DATE
fsr-3442	416	1	eo w n	ORG
fsr-3442	416	2	1	CARDINAL
fsr-3442	419	1	ti al ly o w n s	PERSON
fsr-3442	420	1	6 8 .1	QUANTITY
fsr-3442	420	2	1 8	DATE
fsr-3442	420	3	3	CARDINAL
fsr-3442	421	1	ea	CARDINAL
fsr-3442	425	1	1 8	DATE
fsr-3442	425	2	4	CARDINAL
fsr-3442	425	3	0	CARDINAL
fsr-3442	426	1	2 1 .3	QUANTITY
fsr-3442	426	2	4	CARDINAL
fsr-3442	427	1	ea	CARDINAL
fsr-3442	431	1	3 5 -4 9	DATE
fsr-3442	431	2	0	CARDINAL
fsr-3442	431	3	6	CARDINAL
fsr-3442	432	1	ea	CARDINAL
fsr-3442	436	1	5	CARDINAL
fsr-3442	436	2	0	CARDINAL
fsr-3442	437	1	2 9 6 5	TIME
fsr-3442	437	2	1	CARDINAL
fsr-3442	438	1	ea	CARDINAL
fsr-3442	442	1	6 5	DATE
fsr-3442	443	1	2 3	DATE
fsr-3442	444	1	el l es s th an h	FAC
fsr-3442	448	1	u se h o ld h	ORG
fsr-3442	449	1	o	DATE
fsr-3442	450	1	f sc	ORG
fsr-3442	452	1	1 2	CARDINAL
fsr-3442	452	2	0	CARDINAL
fsr-3442	456	1	u se h o ld h	ORG
fsr-3442	457	1	o	DATE
fsr-3442	458	1	f sc	ORG
fsr-3442	460	1	1 2	DATE
fsr-3442	460	2	o	DATE
fsr-3442	460	3	h ig	ORG
fsr-3442	461	1	h sc	ORG
fsr-3442	465	1	a/ g e d	PERSON
fsr-3442	466	1	2 4 .8	MONEY
fsr-3442	466	2	1	CARDINAL
fsr-3442	466	3	u se h	ORG
fsr-3442	467	1	ld h	ORG
fsr-3442	468	1	o	DATE
fsr-3442	469	1	f sc	ORG
fsr-3442	471	1	1 2	CARDINAL
fsr-3442	472	1	2 6 .8	MONEY
fsr-3442	472	2	ac	ORG
fsr-3442	475	1	o	DATE
fsr-3442	478	1	1	CARDINAL
fsr-3442	478	2	u se h	ORG
fsr-3442	479	1	ld h	ORG
fsr-3442	480	1	o	DATE
fsr-3442	481	1	f sc	ORG
fsr-3442	486	1	o	DATE
fsr-3442	488	1	4 2 .4	MONEY
fsr-3442	488	2	1	CARDINAL
fsr-3442	489	1	ea	CARDINAL
fsr-3442	493	1	cu rr en tl	ORG
fsr-3442	493	2	y m ar ri	PERSON
fsr-3442	494	1	o	DATE
fsr-3442	494	2	li	PERSON
fsr-3442	494	3	g w	FAC
fsr-3442	496	1	0	CARDINAL
fsr-3442	496	2	2	CARDINAL
fsr-3442	496	3	u se h o	ORG
fsr-3442	496	4	0	CARDINAL
fsr-3442	496	5	0	CARDINAL
fsr-3442	497	1	2 3 .9	QUANTITY
fsr-3442	497	2	2 1	DATE
fsr-3442	497	3	4	CARDINAL
fsr-3442	498	1	0	CARDINAL
fsr-3442	498	2	0	CARDINAL
fsr-3442	498	3	0	CARDINAL
fsr-3442	499	1	2 5	DATE
fsr-3442	499	2	4 1	DATE
fsr-3442	499	3	6	CARDINAL
fsr-3442	500	1	0	CARDINAL
fsr-3442	500	2	0	CARDINAL
fsr-3442	500	3	0	CARDINAL
fsr-3442	501	1	2 3 .2 6 1	QUANTITY
fsr-3442	501	2	8	CARDINAL
fsr-3442	501	3	u se h o	ORG
fsr-3442	501	4	0	CARDINAL
fsr-3442	501	5	0	CARDINAL
fsr-3442	502	1	0	CARDINAL
fsr-3442	502	2	2	CARDINAL
fsr-3442	502	3	1	CARDINAL
fsr-3442	502	4	u se h o	ORG
fsr-3442	502	5	0	CARDINAL
fsr-3442	503	1	1	CARDINAL
fsr-3442	503	2	o	DATE
fsr-3442	504	1	6 .7 n	QUANTITY
fsr-3442	505	1	rt h 0	ORG
fsr-3442	505	2	2	CARDINAL
fsr-3442	505	3	u se h	ORG
fsr-3442	505	4	n et w o	ORG
fsr-3442	506	1	rt h	ORG
fsr-3442	506	2	6	CARDINAL
fsr-3442	506	3	0	CARDINAL
fsr-3442	507	1	2	CARDINAL
fsr-3442	507	2	4	CARDINAL
fsr-3442	507	3	u se h	ORG
fsr-3442	507	4	n et w o	ORG
fsr-3442	508	1	rt h	ORG
fsr-3442	508	2	6 8 3	DATE
fsr-3442	508	3	1 1 9	DATE
fsr-3442	508	4	0	CARDINAL
fsr-3442	509	1	2 5 4 1 –	TIME
fsr-3442	509	2	6	CARDINAL
fsr-3442	509	3	u se h	ORG
fsr-3442	509	4	n et w	ORG
fsr-3442	511	1	rt h	ORG
fsr-3442	511	2	1 2	CARDINAL
fsr-3442	511	3	7 4 1	DATE
fsr-3442	511	4	0	CARDINAL
fsr-3442	512	1	2 6 .8	MONEY
fsr-3442	512	2	8	CARDINAL
fsr-3442	512	3	u se h	ORG
fsr-3442	512	4	n et w	ORG
fsr-3442	514	1	rt h	ORG
fsr-3442	514	2	7	CARDINAL
fsr-3442	514	3	8 2 5	DATE
fsr-3442	514	4	4 6 8	DATE
fsr-3442	514	5	0	CARDINAL
fsr-3442	515	1	1	CARDINAL
fsr-3442	516	1	u se h	ORG
fsr-3442	516	2	n et w o	ORG
fsr-3442	517	1	rt h	ORG
fsr-3442	517	2	1	MONEY
fsr-3442	517	3	8 2 5	DATE
fsr-3442	517	4	4 6 9	DATE
fsr-3442	518	1	o	DATE
fsr-3442	520	1	o	DATE
fsr-3442	521	1	si ze o	PERSON
fsr-3442	524	1	o	DATE
fsr-3442	525	1	u se h	ORG
fsr-3442	526	1	1	CARDINAL
fsr-3442	526	2	0	CARDINAL
fsr-3442	527	1	2 5	DATE
fsr-3442	530	1	o	DATE
fsr-3442	532	1	u se h o	ORG
fsr-3442	532	2	2	CARDINAL
fsr-3442	532	3	0	CARDINAL
fsr-3442	533	1	3 4 .2	MONEY
fsr-3442	534	1	o	DATE
fsr-3442	534	2	1	CARDINAL
fsr-3442	534	3	o	DATE
fsr-3442	535	1	u se h	ORG
fsr-3442	536	1	3	CARDINAL
fsr-3442	536	2	0	CARDINAL
fsr-3442	537	1	4 0 .5	PERCENT
fsr-3442	538	1	1 8 1	DATE
fsr-3442	538	2	ch il	PERSON
fsr-3442	538	3	1 8	QUANTITY
fsr-3442	538	4	u se h o ld	ORG
fsr-3442	538	5	0	CARDINAL
fsr-3442	539	1	3 4 .4	PERCENT
fsr-3442	540	1	fl u en ce	GPE
fsr-3442	540	2	al e 1	ORG
fsr-3442	540	3	ea	CARDINAL
fsr-3442	544	1	al e	PERSON
fsr-3442	544	2	0	DATE
fsr-3442	544	3	al e	PERSON
fsr-3442	544	4	5 1 .9	MONEY
fsr-3442	545	1	q. bi et al	PERSON
fsr-3442	545	2	29	CARDINAL
fsr-3442	545	3	2021	CARDINAL
fsr-3442	545	4	29–54	CARDINAL
fsr-3442	545	5	ab le 3	ORG
fsr-3442	546	1	ia	GPE
fsr-3442	546	2	al h	ORG
fsr-3442	547	1	u se h	ORG
fsr-3442	549	1	al v ar ia b le s	PERSON
fsr-3442	549	2	ea su	PERSON
fsr-3442	549	3	k ed h o u	ORG
fsr-3442	550	1	y w h	ORG
fsr-3442	551	1	1	CARDINAL
fsr-3442	556	1	7 7 .7	QUANTITY
fsr-3442	556	2	1	CARDINAL
fsr-3442	557	1	u se h o ld d es cr ib es it se	ORG
fsr-3442	557	2	1 2 .7	QUANTITY
fsr-3442	558	1	u se h o ld d es cr ib es it se lf	ORG
fsr-3442	560	1	ec	ORG
fsr-3442	561	1	ec	ORG
fsr-3442	561	2	t th e u .s	ORG
fsr-3442	562	1	ec	ORG
fsr-3442	563	1	ea	CARDINAL
fsr-3442	563	2	0 o	DATE
fsr-3442	564	1	4 5 .4	PERCENT
fsr-3442	564	2	st ra	PERSON
fsr-3442	565	1	ec	ORG
fsr-3442	567	1	ec	ORG
fsr-3442	567	2	st ra te	PERSON
fsr-3442	568	1	5	CARDINAL
fsr-3442	568	2	ea	CARDINAL
fsr-3442	570	1	0	CARDINAL
fsr-3442	571	1	7 7	DATE
fsr-3442	571	2	n ce n	FAC
fsr-3442	571	3	1	CARDINAL
fsr-3442	571	4	li n g	PERSON
fsr-3442	571	5	ta k e	PERSON
fsr-3442	572	1	4 4 .4	MONEY
fsr-3442	574	1	e ri sk 1	FAC
fsr-3442	574	2	w il li n g	PERSON
fsr-3442	574	3	ta k e av	PERSON
fsr-3442	574	4	o	DATE
fsr-3442	574	5	ab o v e av er ag e	ORG
fsr-3442	574	6	o	DATE
fsr-3442	574	7	ab o v	ORG
fsr-3442	575	1	0 o	DATE
fsr-3442	575	2	5 2 .7	QUANTITY
fsr-3442	575	3	1	CARDINAL
fsr-3442	575	4	w il li	PERSON
fsr-3442	576	1	ta k e su	PERSON
fsr-3442	576	2	o	DATE
fsr-3442	576	3	ab o v e av er ag e	ORG
fsr-3442	578	1	2 .9	MONEY
fsr-3442	578	2	q. bi et al	PERSON
fsr-3442	578	3	29	CARDINAL
fsr-3442	578	4	2021	CARDINAL
fsr-3442	578	5	29–54	CARDINAL
fsr-3442	578	6	shefrin	NORP
fsr-3442	578	7	thaler	ORG
fsr-3442	578	8	1981	DATE
fsr-3442	578	9	gul & pesendorfer	ORG
fsr-3442	578	10	2001	DATE
fsr-3442	578	11	only one	CARDINAL
fsr-3442	578	12	today	DATE
fsr-3442	579	1	benabou & pycia	ORG
fsr-3442	579	2	2002	DATE
fsr-3442	579	3	first	ORDINAL
fsr-3442	579	4	shefrin	NORP
fsr-3442	579	5	1981	DATE
fsr-3442	579	6	three	CARDINAL
fsr-3442	579	7	1	CARDINAL
fsr-3442	579	8	2	CARDINAL
fsr-3442	579	9	3	CARDINAL
fsr-3442	580	1	today	DATE
fsr-3442	582	1	3	CARDINAL
fsr-3442	582	2	0.385	CARDINAL
fsr-3442	583	1	3.3	CARDINAL
fsr-3442	584	1	3	CARDINAL
fsr-3442	584	2	four	CARDINAL
fsr-3442	584	3	2012	DATE
fsr-3442	589	1	3.3.1	CARDINAL
fsr-3442	589	2	years	DATE
fsr-3442	592	1	one	CARDINAL
fsr-3442	594	1	3.3.2	CARDINAL
fsr-3442	595	1	q. bi et al	PERSON
fsr-3442	595	2	29	CARDINAL
fsr-3442	595	3	2021	CARDINAL
fsr-3442	595	4	29–54 45	DATE
fsr-3442	596	1	18	CARDINAL
fsr-3442	597	1	under 18	DATE
fsr-3442	598	1	strömbäck et al	LOC
fsr-3442	598	2	2017	CARDINAL
fsr-3442	598	3	fisher	ORG
fsr-3442	598	4	2010	DATE
fsr-3442	598	5	fisher & yao	ORG
fsr-3442	598	6	2017	DATE
fsr-3442	600	1	2000	DATE
fsr-3442	601	1	chen & volpe	ORG
fsr-3442	601	2	2002	DATE
fsr-3442	601	3	fonseca et al.	PERSON
fsr-3442	601	4	2012	DATE
fsr-3442	601	5	lusardi & mitchell	ORG
fsr-3442	601	6	2008	DATE
fsr-3442	601	7	powell & ansic	ORG
fsr-3442	601	8	1997	DATE
fsr-3442	602	1	lind et al	PERSON
fsr-3442	602	2	2020	DATE
fsr-3442	604	1	asian	NORP
fsr-3442	609	1	4	CARDINAL
fsr-3442	609	2	2	CARDINAL
fsr-3442	610	1	4	CARDINAL
fsr-3442	610	2	1	CARDINAL
fsr-3442	610	3	2	CARDINAL
fsr-3442	610	4	3	CARDINAL
fsr-3442	610	5	three	CARDINAL
fsr-3442	612	1	2	CARDINAL
fsr-3442	612	2	one	CARDINAL
fsr-3442	612	3	0.051	CARDINAL
fsr-3442	613	1	three	CARDINAL
fsr-3442	616	1	46	CARDINAL
fsr-3442	616	2	q. bi et al	PERSON
fsr-3442	616	3	29	CARDINAL
fsr-3442	616	4	2021	CARDINAL
fsr-3442	617	1	29–54	CARDINAL
fsr-3442	617	2	ab le 4	ORG
fsr-3442	617	3	ac	ORG
fsr-3442	618	1	o	DATE
fsr-3442	621	1	ec	ORG
fsr-3442	622	1	ia	GPE
fsr-3442	622	2	o	DATE
fsr-3442	623	1	1	CARDINAL
fsr-3442	625	1	2	CARDINAL
fsr-3442	625	2	eav	ORG
fsr-3442	625	3	io	LOC
fsr-3442	625	4	3	CARDINAL
fsr-3442	627	1	0 .8	MONEY
fsr-3442	627	2	1 .7 1 2	QUANTITY
fsr-3442	628	1	ec	ORG
fsr-3442	628	2	u se h	ORG
fsr-3442	630	1	al f	PERSON
fsr-3442	630	2	al te ch n	PERSON
fsr-3442	630	3	n sa ct io	FAC
fsr-3442	630	4	al te ch u sa g e	PERSON
fsr-3442	630	5	0 .0	MONEY
fsr-3442	630	6	2	CARDINAL
fsr-3442	631	1	g te ch u sa g e	FAC
fsr-3442	631	2	0 .0	MONEY
fsr-3442	631	3	9	CARDINAL
fsr-3442	632	1	0	CARDINAL
fsr-3442	633	1	3 5	CARDINAL
fsr-3442	638	1	6 0 %	PERCENT
fsr-3442	638	2	1	CARDINAL
fsr-3442	638	3	2	CARDINAL
fsr-3442	639	1	5	CARDINAL
fsr-3442	639	2	2 3	CARDINAL
fsr-3442	639	3	2 1	DATE
fsr-3442	639	4	4	CARDINAL
fsr-3442	640	1	0 .2	MONEY
fsr-3442	640	2	6 1	DATE
fsr-3442	640	3	8	CARDINAL
fsr-3442	644	1	0	CARDINAL
fsr-3442	644	2	6	CARDINAL
fsr-3442	644	3	8 1	DATE
fsr-3442	644	4	1	CARDINAL
fsr-3442	647	1	6 9	TIME
fsr-3442	648	1	1 .0	QUANTITY
fsr-3442	650	1	eo w n	ORG
fsr-3442	650	2	2	CARDINAL
fsr-3442	650	3	5	CARDINAL
fsr-3442	652	1	al h	ORG
fsr-3442	653	1	u se h	ORG
fsr-3442	655	1	4 9	TIME
fsr-3442	655	2	ea	CARDINAL
fsr-3442	655	3	o	DATE
fsr-3442	655	4	1 8	DATE
fsr-3442	655	5	3	CARDINAL
fsr-3442	655	6	1	CARDINAL
fsr-3442	659	1	3 2	CARDINAL
fsr-3442	661	1	5	CARDINAL
fsr-3442	661	2	6 4	CARDINAL
fsr-3442	661	3	0 .0	MONEY
fsr-3442	661	4	0 .0	MONEY
fsr-3442	661	5	4	CARDINAL
fsr-3442	661	6	0 .0	MONEY
fsr-3442	667	1	0 .0	MONEY
fsr-3442	669	1	0	CARDINAL
fsr-3442	671	1	2 4	CARDINAL
fsr-3442	671	2	ac h	ORG
fsr-3442	673	1	o	DATE
fsr-3442	678	1	0	CARDINAL
fsr-3442	680	1	2 2	CARDINAL
fsr-3442	680	2	0	CARDINAL
fsr-3442	680	3	0	CARDINAL
fsr-3442	680	4	2	CARDINAL
fsr-3442	681	1	0	CARDINAL
fsr-3442	682	1	0	CARDINAL
fsr-3442	682	2	2	CARDINAL
fsr-3442	683	1	2 1	DATE
fsr-3442	683	2	4	CARDINAL
fsr-3442	687	1	0	CARDINAL
fsr-3442	690	1	4 1	DATE
fsr-3442	690	2	6	CARDINAL
fsr-3442	691	1	6 8	TIME
fsr-3442	693	1	2	CARDINAL
fsr-3442	694	1	2 3	TIME
fsr-3442	695	1	6 1	DATE
fsr-3442	695	2	8	CARDINAL
fsr-3442	700	1	1	CARDINAL
fsr-3442	701	1	8 1	DATE
fsr-3442	701	2	1	CARDINAL
fsr-3442	705	1	5	CARDINAL
fsr-3442	705	2	1	CARDINAL
fsr-3442	705	3	rt h (r el at iv e to 0	ORG
fsr-3442	705	4	2	CARDINAL
fsr-3442	705	5	2 1	DATE
fsr-3442	705	6	4	CARDINAL
fsr-3442	706	1	8 4	TIME
fsr-3442	708	1	4 1	DATE
fsr-3442	708	2	6	CARDINAL
fsr-3442	711	1	6	CARDINAL
fsr-3442	712	1	1 .4 3 3	QUANTITY
fsr-3442	713	1	6 1	DATE
fsr-3442	713	2	8	CARDINAL
fsr-3442	714	1	3	CARDINAL
fsr-3442	716	1	1 .9	MONEY
fsr-3442	716	2	8 1	DATE
fsr-3442	716	3	1	CARDINAL
fsr-3442	718	1	2	CARDINAL
fsr-3442	719	1	2	CARDINAL
fsr-3442	719	2	q. bi et al	PERSON
fsr-3442	719	3	29	CARDINAL
fsr-3442	719	4	2021	CARDINAL
fsr-3442	719	5	29–54	CARDINAL
fsr-3442	719	6	47	CARDINAL
fsr-3442	719	7	ab le 4	ORG
fsr-3442	719	8	ia	GPE
fsr-3442	719	9	o	DATE
fsr-3442	720	1	1	CARDINAL
fsr-3442	722	1	2	CARDINAL
fsr-3442	722	2	eav	ORG
fsr-3442	722	3	io	LOC
fsr-3442	722	4	3	CARDINAL
fsr-3442	724	1	u se h o ld	ORG
fsr-3442	724	2	si ze	PERSON
fsr-3442	724	3	tw	ORG
fsr-3442	733	1	1 6	CARDINAL
fsr-3442	733	2	0 .0	MONEY
fsr-3442	733	3	3	CARDINAL
fsr-3442	733	4	1 8	DATE
fsr-3442	733	5	7 5	CARDINAL
fsr-3442	733	6	0 .2	MONEY
fsr-3442	733	7	0 .4	MONEY
fsr-3442	734	1	fl u en ce	GPE
fsr-3442	734	2	0 .0	MONEY
fsr-3442	734	3	3	CARDINAL
fsr-3442	737	1	8	CARDINAL
fsr-3442	738	1	w	GPE
fsr-3442	740	1	0 .0	MONEY
fsr-3442	740	2	6	CARDINAL
fsr-3442	741	1	3	CARDINAL
fsr-3442	741	2	5	CARDINAL
fsr-3442	743	1	ec	ORG
fsr-3442	743	2	0 .0	MONEY
fsr-3442	745	1	0	CARDINAL
fsr-3442	745	2	1 3	CARDINAL
fsr-3442	745	3	st ra	PERSON
fsr-3442	746	1	ec	ORG
fsr-3442	747	1	0 .0	MONEY
fsr-3442	750	1	8	CARDINAL
fsr-3442	754	1	0 .0	MONEY
fsr-3442	754	2	0 .2	MONEY
fsr-3442	755	1	2 4	CARDINAL
fsr-3442	755	2	0 .2	MONEY
fsr-3442	756	1	o rd	PERSON
fsr-3442	756	2	u ar e	FAC
fsr-3442	756	3	o rt ed	PERSON
fsr-3442	756	4	lu m	PERSON
fsr-3442	756	5	n s	ORG
fsr-3442	757	1	lo g	PERSON
fsr-3442	757	2	o rt ed	PERSON
fsr-3442	757	3	la st	GPE
fsr-3442	759	1	0 .0 5	PERCENT
fsr-3442	759	2	el s	ORG
fsr-3442	759	3	ec	ORG
fsr-3442	760	1	48	CARDINAL
fsr-3442	760	2	q. bi et al	PERSON
fsr-3442	760	3	29	CARDINAL
fsr-3442	760	4	2021	CARDINAL
fsr-3442	760	5	29–54	CARDINAL
fsr-3442	762	1	the past few years	DATE
fsr-3442	762	2	fintech	ORG
fsr-3442	762	3	borrowing.5	GPE
fsr-3442	763	1	1	CARDINAL
fsr-3442	763	2	2	CARDINAL
fsr-3442	763	3	3	CARDINAL
fsr-3442	765	1	0.082	CARDINAL
fsr-3442	765	2	3	CARDINAL
fsr-3442	769	1	2010	DATE
fsr-3442	770	1	shefrin	NORP
fsr-3442	770	2	thaler	ORG
fsr-3442	770	3	1981	DATE
fsr-3442	772	1	& huston	ORG
fsr-3442	772	2	2011	DATE
fsr-3442	772	3	2012a	DATE
fsr-3442	772	4	2012b	DATE
fsr-3442	776	1	under 18	DATE
fsr-3442	777	1	between ages 18 and 34	DATE
fsr-3442	777	2	between 50 and 64	CARDINAL
fsr-3442	778	1	5	CARDINAL
fsr-3442	780	1	q. bi et al	PERSON
fsr-3442	780	2	29	CARDINAL
fsr-3442	780	3	2021	CARDINAL
fsr-3442	780	4	29–54 49	DATE
fsr-3442	780	5	2013	DATE
fsr-3442	780	6	the federal reserve board	ORG
fsr-3442	789	1	2008	DATE
fsr-3442	793	1	al.	GPE
fsr-3442	793	2	2001	DATE
fsr-3442	799	1	50	CARDINAL
fsr-3442	799	2	q. bi et al	PERSON
fsr-3442	799	3	29	CARDINAL
fsr-3442	799	4	2021	CARDINAL
fsr-3442	799	5	29–54	CARDINAL
fsr-3442	799	6	1	CARDINAL
fsr-3442	799	7	2	CARDINAL
fsr-3442	799	8	scfindex.htm 3	DATE
fsr-3442	799	9	2013	DATE
fsr-3442	802	1	five	CARDINAL
fsr-3442	803	1	five	CARDINAL
fsr-3442	803	2	rubin	GPE
fsr-3442	803	3	1987	DATE
fsr-3442	804	1	4 two	CARDINAL
fsr-3442	804	2	1	CARDINAL
fsr-3442	804	3	2	CARDINAL
fsr-3442	804	4	shefrin & thaler	ORG
fsr-3442	804	5	1981	DATE
fsr-3442	805	1	5	CARDINAL
fsr-3442	805	2	three	CARDINAL
fsr-3442	807	1	a. m.	PERSON
fsr-3442	807	2	kennickell	PERSON
fsr-3442	807	3	a. b.	PERSON
fsr-3442	807	4	k. b.	PERSON
fsr-3442	807	5	2003	DATE
fsr-3442	808	1	u.s.	GPE
fsr-3442	808	2	1998	DATE
fsr-3442	808	3	2001	DATE
fsr-3442	809	1	federal reserve bulletin	ORG
fsr-3442	809	2	89	DATE
fsr-3442	809	3	1	CARDINAL
fsr-3442	810	1	amar	PERSON
fsr-3442	810	2	m.	PERSON
fsr-3442	810	3	d.	NORP
fsr-3442	810	4	s.	PERSON
fsr-3442	810	5	c. e.	PERSON
fsr-3442	810	6	s. i.	PERSON
fsr-3442	810	7	2011	DATE
fsr-3442	812	1	journal of marketing research	ORG
fsr-3442	812	2	48	DATE
fsr-3442	813	1	ameriks	PERSON
fsr-3442	813	2	j., caplin, a., & leahy	ORG
fsr-3442	813	3	j. (2002	GPE
fsr-3442	815	1	national bureau of economic research	ORG
fsr-3442	816	1	angeletos	GPE
fsr-3442	816	2	g. m.	PERSON
fsr-3442	816	3	laibson	GPE
fsr-3442	816	4	d.	NORP
fsr-3442	816	5	repetto, a.	ORG
fsr-3442	816	6	j., & weinberg	ORG
fsr-3442	816	7	2001	DATE
fsr-3442	818	1	15	CARDINAL
fsr-3442	818	2	47	CARDINAL
fsr-3442	819	1	anguelov	PERSON
fsr-3442	819	2	c. e.	PERSON
fsr-3442	819	3	hilgert	PERSON
fsr-3442	819	4	m. a.	PERSON
fsr-3442	819	5	j. m.	PERSON
fsr-3442	819	6	2004	DATE
fsr-3442	820	1	1995-2003	DATE
fsr-3442	821	1	federal reserve bulletin	ORG
fsr-3442	821	2	90	DATE
fsr-3442	822	1	1987	DATE
fsr-3442	824	1	4	CARDINAL
fsr-3442	824	2	243	CARDINAL
fsr-3442	825	1	becker	PERSON
fsr-3442	825	2	g. s.	PERSON
fsr-3442	825	3	1994	DATE
fsr-3442	827	1	3rd	ORDINAL
fsr-3442	828	1	257–298	CARDINAL
fsr-3442	829	1	chicago	GPE
fsr-3442	829	2	the university of chicago	ORG
fsr-3442	830	1	bénabou	ORG
fsr-3442	830	2	r., & pycia	ORG
fsr-3442	830	3	2002	DATE
fsr-3442	832	1	77	DATE
fsr-3442	832	2	419	CARDINAL
fsr-3442	833	1	bernheim	GPE
fsr-3442	833	2	b. d.	PERSON
fsr-3442	833	3	carman	GPE
fsr-3442	833	4	k. g.	PERSON
fsr-3442	833	5	j., & kotlikoff	ORG
fsr-3442	833	6	l. j. (	PERSON
fsr-3442	833	7	2001	DATE
fsr-3442	835	1	nber working paper	ORG
fsr-3442	835	2	8544	DATE
fsr-3442	835	3	october	DATE
fsr-3442	836	1	bernheim	GPE
fsr-3442	836	2	b. d.	PERSON
fsr-3442	836	3	carman	GPE
fsr-3442	836	4	k. g.	PERSON
fsr-3442	836	5	j., & kotlikoff	ORG
fsr-3442	836	6	l. j.	PERSON
fsr-3442	836	7	2003	DATE
fsr-3442	838	1	41	CARDINAL
fsr-3442	838	2	531	CARDINAL
fsr-3442	839	1	q. bi et al	PERSON
fsr-3442	839	2	29	CARDINAL
fsr-3442	839	3	2021	CARDINAL
fsr-3442	839	4	29–54	CARDINAL
fsr-3442	839	5	51	CARDINAL
fsr-3442	839	6	j.	PERSON
fsr-3442	839	7	l. j.	PERSON
fsr-3442	839	8	hsu	PERSON
fsr-3442	839	9	j. w.	PERSON
fsr-3442	839	10	jacobs	PERSON
fsr-3442	839	11	l.	PERSON
fsr-3442	839	12	moore	PERSON
fsr-3442	839	13	k. b.	PERSON
fsr-3442	839	14	& windle	GPE
fsr-3442	839	15	r. a.	PERSON
fsr-3442	839	16	2017	CARDINAL
fsr-3442	840	1	2013	DATE
fsr-3442	840	2	2016	CARDINAL
fsr-3442	841	1	federal reserve bulletin	ORG
fsr-3442	841	2	103	CARDINAL
fsr-3442	841	3	1	CARDINAL
fsr-3442	842	1	butryn	ORG
fsr-3442	842	2	m. l.	PERSON
fsr-3442	842	3	webb	ORG
fsr-3442	842	4	& wadden	ORG
fsr-3442	842	5	t. a.	GPE
fsr-3442	842	6	2011	DATE
fsr-3442	844	1	north america	LOC
fsr-3442	844	2	34	DATE
fsr-3442	844	3	841	CARDINAL
fsr-3442	845	1	chang	PERSON
fsr-3442	845	2	s. j. (	PERSON
fsr-3442	845	3	1995	DATE
fsr-3442	846	1	1983	DATE
fsr-3442	846	2	1986	DATE
fsr-3442	847	1	6	CARDINAL
fsr-3442	847	2	119	CARDINAL
fsr-3442	848	1	chen	PERSON
fsr-3442	848	2	s., & van der klaauw	ORG
fsr-3442	848	3	w.	PERSON
fsr-3442	848	4	2008	DATE
fsr-3442	849	1	the 1990s	DATE
fsr-3442	850	1	econometrics	ORG
fsr-3442	850	2	142	CARDINAL
fsr-3442	850	3	757	CARDINAL
fsr-3442	851	1	chen, h., & volpe	ORG
fsr-3442	851	2	r.	PERSON
fsr-3442	851	3	2002	DATE
fsr-3442	853	1	11	CARDINAL
fsr-3442	853	2	289	CARDINAL
fsr-3442	854	1	davis	PERSON
fsr-3442	854	2	f.	PERSON
fsr-3442	854	3	1989	DATE
fsr-3442	856	1	quarterly	DATE
fsr-3442	856	2	13	DATE
fsr-3442	856	3	319	CARDINAL
fsr-3442	857	1	dean	PERSON
fsr-3442	857	2	l. r.	PERSON
fsr-3442	857	3	joo	ORG
fsr-3442	857	4	s. h.	PERSON
fsr-3442	857	5	c. g.	PERSON
fsr-3442	857	6	fischer	PERSON
fsr-3442	857	7	j. l.	PERSON
fsr-3442	857	8	n.	PERSON
fsr-3442	857	9	2013	DATE
fsr-3442	859	1	journal of financial service	ORG
fsr-3442	859	2	67	CARDINAL
fsr-3442	859	3	72-84	DATE
fsr-3442	860	1	j., & xiao	ORG
fsr-3442	860	2	j. j.	PERSON
fsr-3442	860	3	2011	DATE
fsr-3442	862	1	22	CARDINAL
fsr-3442	862	2	43	CARDINAL
fsr-3442	863	1	experian	ORG
fsr-3442	864	1	2009	DATE
fsr-3442	868	1	experian	ORG
fsr-3442	871	1	2009	DATE
fsr-3442	872	1	november 2008	DATE
fsr-3442	873	1	federal reserve	ORG
fsr-3442	874	1	washington	GPE
fsr-3442	874	2	dc: board of governors	ORG
fsr-3442	876	1	2013	DATE
fsr-3442	877	1	2013	DATE
fsr-3442	877	2	the united states	GPE
fsr-3442	877	3	2003–2012	CARDINAL
fsr-3442	878	1	washington	GPE
fsr-3442	878	2	dc: board of governors	ORG
fsr-3442	879	1	d., & skinner	ORG
fsr-3442	879	2	j. (1994	ORG
fsr-3442	881	1	76	DATE
fsr-3442	881	2	633	CARDINAL
fsr-3442	882	1	m., & huston	ORG
fsr-3442	882	2	s.	PERSON
fsr-3442	882	3	2013	DATE
fsr-3442	884	1	89	CARDINAL
fsr-3442	884	2	23	CARDINAL
fsr-3442	885	1	fisher	ORG
fsr-3442	886	1	2010	DATE
fsr-3442	888	1	21	CARDINAL
fsr-3442	888	2	14	CARDINAL
fsr-3442	889	1	fisher	ORG
fsr-3442	889	2	j., & yao	ORG
fsr-3442	889	3	r.	PERSON
fsr-3442	889	4	2017	CARDINAL
fsr-3442	891	1	61	CARDINAL
fsr-3442	891	2	191	CARDINAL
fsr-3442	892	1	fonseca	PERSON
fsr-3442	892	2	r.	NORP
fsr-3442	892	3	k. j.	PERSON
fsr-3442	892	4	2012	DATE
fsr-3442	895	1	46	DATE
fsr-3442	895	2	90	CARDINAL
fsr-3442	896	1	garman	ORG
fsr-3442	896	2	e. t.	PERSON
fsr-3442	896	3	i. e., & grable	PERSON
fsr-3442	896	4	j. e. (	PERSON
fsr-3442	898	1	7	CARDINAL
fsr-3442	898	2	157	CARDINAL
fsr-3442	899	1	d. b.	PERSON
fsr-3442	899	2	n. s.	PERSON
fsr-3442	899	3	2001	DATE
fsr-3442	903	1	cambridge	GPE
fsr-3442	903	2	ma: national bureau of economic research	ORG
fsr-3442	904	1	gul	PERSON
fsr-3442	904	2	w.	PERSON
fsr-3442	904	3	2001	DATE
fsr-3442	906	1	econometrica	PERSON
fsr-3442	906	2	69	DATE
fsr-3442	906	3	1403-1436	DATE
fsr-3442	907	1	m. (	PERSON
fsr-3442	907	2	2000	DATE
fsr-3442	909	1	aba banking journal	ORG
fsr-3442	909	2	92	CARDINAL
fsr-3442	909	3	61-65	DATE
fsr-3442	910	1	harkin	PERSON
fsr-3442	910	2	b.	PERSON
fsr-3442	910	3	webb	ORG
fsr-3442	910	4	t. l.	PERSON
fsr-3442	910	5	chang	PERSON
fsr-3442	910	6	b. p.	PERSON
fsr-3442	910	7	prestwich, a.	ORG
fsr-3442	910	8	conner	PERSON
fsr-3442	910	9	m., kellar	PERSON
fsr-3442	910	10	i.	PERSON
fsr-3442	910	11	benn	PERSON
fsr-3442	910	12	2016	CARDINAL
fsr-3442	913	1	142	CARDINAL
fsr-3442	913	2	198	CARDINAL
fsr-3442	914	1	c. r.	PERSON
fsr-3442	914	2	l. j.	PERSON
fsr-3442	914	3	turner	ORG
fsr-3442	914	4	p. r.	PERSON
fsr-3442	914	5	bruin	PERSON
fsr-3442	914	6	m. j.	PERSON
fsr-3442	914	7	f. c.	PERSON
fsr-3442	914	8	2000	DATE
fsr-3442	916	1	34	CARDINAL
fsr-3442	916	2	113	CARDINAL
fsr-3442	917	1	hogarth	PERSON
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fsr-3442	917	4	2004	DATE
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fsr-3442	920	1	huston	PERSON
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fsr-3442	922	1	8	CARDINAL
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fsr-3442	925	1	44	DATE
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fsr-3442	926	1	52	CARDINAL
fsr-3442	926	2	q. bi et al	PERSON
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fsr-3442	926	5	29–54	CARDINAL
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fsr-3442	928	2	1275-1278	CARDINAL
fsr-3442	929	1	jagtiani	PERSON
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fsr-3442	931	1	journal of economics	ORG
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fsr-3442	932	1	jeske	ORG
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fsr-3442	934	1	journal of monetary economics	ORG
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fsr-3442	935	1	jun, m., & cai	ORG
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fsr-3442	938	1	kim	PERSON
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fsr-3442	938	4	t. (	GPE
fsr-3442	938	5	2005	DATE
fsr-3442	940	1	2005	DATE
fsr-3442	942	1	1-34	CARDINAL
fsr-3442	943	1	boston	GPE
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fsr-3442	943	7	2004	DATE
fsr-3442	944	1	u.s.	GPE
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fsr-3442	946	1	lee	PERSON
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fsr-3442	948	1	10	CARDINAL
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fsr-3442	949	1	lee	PERSON
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fsr-3442	959	1	letkiewicz	PERSON
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fsr-3442	964	1	the american economic review	ORG
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fsr-3442	965	1	lin	PERSON
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fsr-3442	967	1	journal of risk & insurance	ORG
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fsr-3442	968	1	livshits	NORP
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fsr-3442	968	6	2007	DATE
fsr-3442	970	1	american	NORP
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fsr-3442	971	1	lind	PERSON
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fsr-3442	971	6	2020	DATE
fsr-3442	974	1	lusardi	PERSON
fsr-3442	974	2	a.	PERSON
fsr-3442	974	3	2010	DATE
fsr-3442	976	1	h. j. aaron	PERSON
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fsr-3442	978	1	washington	GPE
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fsr-3442	979	1	lusardi, a., & mitchell	ORG
fsr-3442	979	2	o. s.	PERSON
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fsr-3442	981	1	american	NORP
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fsr-3442	982	1	e. a.	PERSON
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fsr-3442	984	1	feds	ORG
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fsr-3442	986	1	modigliani	ORG
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fsr-3442	986	3	r.	PERSON
fsr-3442	986	4	1954	DATE
fsr-3442	988	1	franco modigliani	PERSON
fsr-3442	988	2	1	CARDINAL
fsr-3442	988	3	388	CARDINAL
fsr-3442	989	1	neukam	PERSON
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fsr-3442	991	2	19	CARDINAL
fsr-3442	992	1	parrish	ORG
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fsr-3442	994	1	washington	GPE
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fsr-3442	996	1	2018	DATE
fsr-3442	998	1	m., & ansic	ORG
fsr-3442	998	2	1997	DATE
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fsr-3442	1001	1	rubin	GPE
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fsr-3442	1003	2	l., & devaney	ORG
fsr-3442	1003	3	s. a.	PERSON
fsr-3442	1003	4	2009	DATE
fsr-3442	1005	1	20	CARDINAL
fsr-3442	1005	2	48-63	DATE
fsr-3442	1006	1	l. j., & kaestner	PERSON
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fsr-3442	1008	1	42	DATE
fsr-3442	1008	2	271	CARDINAL
fsr-3442	1009	1	q. bi et al	PERSON
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fsr-3442	1009	3	2021	CARDINAL
fsr-3442	1009	4	29–54	CARDINAL
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fsr-3442	1009	7	h. m.	PERSON
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fsr-3442	1009	9	1981	DATE
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fsr-3442	1012	1	s.	PERSON
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fsr-3442	1012	5	a.	PERSON
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fsr-3442	1014	1	30	CARDINAL
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fsr-3442	1015	1	smith, h. l.	ORG
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fsr-3442	1015	6	2011	DATE
fsr-3442	1017	1	22	CARDINAL
fsr-3442	1017	2	3	CARDINAL
fsr-3442	1018	1	smith, h. l.	ORG
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fsr-3442	1018	6	2012a	DATE
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fsr-3442	1021	1	smith, h. l.	ORG
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fsr-3442	1021	6	2012b	DATE
fsr-3442	1023	1	journal of financial service	ORG
fsr-3442	1023	2	66	CARDINAL
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fsr-3442	1024	1	social security	ORG
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fsr-3442	1026	1	ssa	ORG
fsr-3442	1026	2	05-10029	DATE
fsr-3442	1027	1	icn	ORG
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fsr-3442	1028	1	baltimore	GPE
fsr-3442	1028	2	md	GPE
fsr-3442	1028	3	july	DATE
fsr-3442	1029	1	j., & hanna	ORG
fsr-3442	1029	2	s. (2011	ORG
fsr-3442	1031	1	the academy of financial services	ORG
fsr-3442	1032	1	stapleton	GPE
fsr-3442	1032	2	d. c.	PERSON
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fsr-3442	1032	4	b. l.	PERSON
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fsr-3442	1032	6	g. a.	PERSON
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fsr-3442	1032	8	a. j. (	PERSON
fsr-3442	1032	9	2006	DATE
fsr-3442	1033	1	the twenty-first century	DATE
fsr-3442	1034	1	milbank	GPE
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fsr-3442	1034	3	84	DATE
fsr-3442	1034	4	701	CARDINAL
fsr-3442	1034	5	stawski	ORG
fsr-3442	1034	6	r. s.	PERSON
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fsr-3442	1034	8	d. a.	PERSON
fsr-3442	1034	9	j. m.	PERSON
fsr-3442	1034	10	2007	DATE
fsr-3442	1036	1	64	DATE
fsr-3442	1036	2	13	CARDINAL
fsr-3442	1037	1	stoneman, p.,	ORG
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fsr-3442	1040	1	k.	PERSON
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fsr-3442	1040	3	2017	CARDINAL
fsr-3442	1042	1	14	CARDINAL
fsr-3442	1042	2	30	CARDINAL
fsr-3442	1043	1	willis	PERSON
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fsr-3442	1043	3	2008	DATE
fsr-3442	1045	1	iowa	GPE
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fsr-3442	1045	3	08-10	DATE
fsr-3442	1045	4	s. l.	PERSON
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fsr-3442	1045	7	l. b.	PERSON
fsr-3442	1045	8	2010	DATE
fsr-3442	1047	1	31	DATE
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fsr-3442	1048	1	xiao	PERSON
fsr-3442	1048	2	j. j.	PERSON
fsr-3442	1048	3	s.	PERSON
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fsr-3442	1048	5	a.	PERSON
fsr-3442	1048	6	2007	DATE
fsr-3442	1050	1	tucson	GPE
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fsr-3442	1051	1	54	CARDINAL
fsr-3442	1051	2	q. bi et al	PERSON
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fsr-3442	1051	4	2021	CARDINAL
fsr-3442	1051	5	29–54	CARDINAL