id	sid	eid	entity	type
fsr-3464	1	1	terrance martina	PERSON
fsr-3464	1	2	janine k. samb	PERSON
fsr-3464	1	3	philip gibsonc	PERSON
fsr-3464	1	4	finance & economics	ORG
fsr-3464	1	5	utah valley university	ORG
fsr-3464	1	6	800	CARDINAL
fsr-3464	1	7	west university parkway	LOC
fsr-3464	1	8	orem ut 84058	GPE
fsr-3464	1	9	usa bdepartment of business administration	ORG
fsr-3464	1	10	shepherd university	ORG
fsr-3464	1	11	301 n	QUANTITY
fsr-3464	1	12	st	GPE
fsr-3464	1	13	shepherdstown	GPE
fsr-3464	1	14	winthrop university	ORG
fsr-3464	1	15	202	CARDINAL
fsr-3464	1	16	carroll hall	PRODUCT
fsr-3464	1	17	rock hill	ORG
fsr-3464	1	18	29733	DATE
fsr-3464	1	19	americans	NORP
fsr-3464	3	1	2015	CARDINAL
fsr-3464	3	2	national financial capacity study	ORG
fsr-3464	3	3	one	CARDINAL
fsr-3464	6	1	2021	CARDINAL
fsr-3464	8	1	jel	ORG
fsr-3464	8	2	1	CARDINAL
fsr-3464	9	1	the last 30 years	DATE
fsr-3464	10	1	today	DATE
fsr-3464	10	2	dc	GPE
fsr-3464	10	3	90 million	CARDINAL
fsr-3464	10	4	americans	NORP
fsr-3464	10	5	$6.7 trillion	MONEY
fsr-3464	11	1	the united states	GPE
fsr-3464	11	2	americans	NORP
fsr-3464	14	1	1057-0810/21/$	CARDINAL
fsr-3464	14	2	2021	CARDINAL
fsr-3464	16	1	29	CARDINAL
fsr-3464	16	2	2021	CARDINAL
fsr-3464	16	3	293–314	CARDINAL
fsr-3464	16	4	american	NORP
fsr-3464	17	1	munnell	ORG
fsr-3464	17	2	webb	ORG
fsr-3464	17	3	2015	DATE
fsr-3464	17	4	ten years	DATE
fsr-3464	17	5	only $111,000	MONEY
fsr-3464	18	1	munnell	ORG
fsr-3464	18	2	webb	ORG
fsr-3464	18	3	2015	DATE
fsr-3464	18	4	american	NORP
fsr-3464	19	1	the united states	GPE
fsr-3464	19	2	hurwitz, laibson, & madrian	ORG
fsr-3464	19	3	2015	DATE
fsr-3464	20	1	u.s.	GPE
fsr-3464	20	2	$4 trillion	MONEY
fsr-3464	20	3	the end of 2016	DATE
fsr-3464	20	4	new york	GPE
fsr-3464	20	5	fed	ORG
fsr-3464	20	6	2017	CARDINAL
fsr-3464	22	1	american	NORP
fsr-3464	23	1	12 million	CARDINAL
fsr-3464	23	2	americans	NORP
fsr-3464	23	3	$9 billion	MONEY
fsr-3464	23	4	payday	DATE
fsr-3464	23	5	another $3 billion	MONEY
fsr-3464	23	6	annual	DATE
fsr-3464	24	1	2015	DATE
fsr-3464	25	1	2015	CARDINAL
fsr-3464	25	2	two	CARDINAL
fsr-3464	31	1	first	ORDINAL
fsr-3464	33	1	section 2.	LAW
fsr-3464	34	1	section 3	LAW
fsr-3464	35	1	section 4	LAW
fsr-3464	36	1	section 5	DATE
fsr-3464	37	1	section 6	LAW
fsr-3464	38	1	2	CARDINAL
fsr-3464	38	2	294	CARDINAL
fsr-3464	39	1	29	CARDINAL
fsr-3464	39	2	2021	CARDINAL
fsr-3464	40	1	293–314	CARDINAL
fsr-3464	40	2	modigliani & brumberg	ORG
fsr-3464	40	3	1954	DATE
fsr-3464	42	1	argento	ORG
fsr-3464	42	2	bryant, & sabelhaus	ORG
fsr-3464	42	3	2015	DATE
fsr-3464	42	4	butrica	ORG
fsr-3464	42	5	& issa	PERSON
fsr-3464	42	6	2010	DATE
fsr-3464	42	7	brady	PERSON
fsr-3464	42	8	2011	DATE
fsr-3464	42	9	copeland	ORG
fsr-3464	42	10	2009	DATE
fsr-3464	43	1	the united states	GPE
fsr-3464	43	2	lusardi & mitchell	ORG
fsr-3464	43	3	2014	DATE
fsr-3464	46	1	bernheim	GPE
fsr-3464	46	2	1998	DATE
fsr-3464	47	1	lusardi	PERSON
fsr-3464	47	2	mitchell	PERSON
fsr-3464	47	3	2007	DATE
fsr-3464	48	1	van rooij	PERSON
fsr-3464	48	2	2007	DATE
fsr-3464	49	1	tejeda-ashton	PERSON
fsr-3464	49	2	2008	DATE
fsr-3464	50	1	american	NORP
fsr-3464	51	1	lusardi	PERSON
fsr-3464	51	2	2015	CARDINAL
fsr-3464	53	1	bertaut & haliassos	ORG
fsr-3464	53	2	2006	DATE
fsr-3464	54	1	disney	ORG
fsr-3464	54	2	2012	DATE
fsr-3464	54	3	united kingdom household data	ORG
fsr-3464	56	1	campbell	ORG
fsr-3464	56	2	2006	DATE
fsr-3464	57	1	gerardi	PERSON
fsr-3464	57	2	meier	PERSON
fsr-3464	57	3	2013	DATE
fsr-3464	58	1	agarwal	ORG
fsr-3464	58	2	skiba	ORG
fsr-3464	58	3	2009	DATE
fsr-3464	58	4	payday	DATE
fsr-3464	59	1	66%	PERCENT
fsr-3464	59	2	payday	DATE
fsr-3464	60	1	tang	PERSON
fsr-3464	60	2	2014	DATE
fsr-3464	61	1	up to 130%	PERCENT
fsr-3464	61	2	payday	DATE
fsr-3464	62	1	tang	PERSON
fsr-3464	62	2	2014	DATE
fsr-3464	63	1	t. martin et al	PERSON
fsr-3464	63	2	29	CARDINAL
fsr-3464	63	3	2021	CARDINAL
fsr-3464	63	4	293–314 295	CARDINAL
fsr-3464	63	5	2014	DATE
fsr-3464	63	6	2011	DATE
fsr-3464	64	1	scheresberg	PERSON
fsr-3464	64	2	2013	DATE
fsr-3464	65	1	payday	DATE
fsr-3464	66	1	tang	PERSON
fsr-3464	66	2	2014	DATE
fsr-3464	67	1	lusardi	PERSON
fsr-3464	67	2	scheresberg	PERSON
fsr-3464	67	3	2013	DATE
fsr-3464	69	1	3	CARDINAL
fsr-3464	69	2	2015	CARDINAL
fsr-3464	70	1	finra	ORG
fsr-3464	70	2	2009	DATE
fsr-3464	72	1	atkinson	GPE
fsr-3464	72	2	mckay	GPE
fsr-3464	72	3	kempson, & collard	ORG
fsr-3464	72	4	2007	DATE
fsr-3464	73	1	2015	CARDINAL
fsr-3464	73	2	2009	DATE
fsr-3464	73	3	2012	DATE
fsr-3464	73	4	2015	CARDINAL
fsr-3464	74	1	2012	DATE
fsr-3464	74	2	2015	DATE
fsr-3464	78	1	53,703	CARDINAL
fsr-3464	79	1	african americans	NORP
fsr-3464	79	2	hispanics	NORP
fsr-3464	79	3	asian americans	NORP
fsr-3464	80	1	3.1	CARDINAL
fsr-3464	82	1	296	CARDINAL
fsr-3464	82	2	29	CARDINAL
fsr-3464	82	3	2021	CARDINAL
fsr-3464	82	4	293–314	CARDINAL
fsr-3464	82	5	between the ages of	DATE
fsr-3464	83	1	10,560	CARDINAL
fsr-3464	84	1	3.2	CARDINAL
fsr-3464	85	1	2012	DATE
fsr-3464	85	2	2015	CARDINAL
fsr-3464	85	3	five	CARDINAL
fsr-3464	86	1	three	CARDINAL
fsr-3464	87	1	1.	CARDINAL
fsr-3464	87	2	100	MONEY
fsr-3464	87	3	2%	PERCENT
fsr-3464	88	1	five years	DATE
fsr-3464	89	1	2.	CARDINAL
fsr-3464	89	2	1%	PERCENT
fsr-3464	89	3	2%	PERCENT
fsr-3464	90	1	one year	DATE
fsr-3464	91	1	3	CARDINAL
fsr-3464	92	1	first	ORDINAL
fsr-3464	92	2	two	CARDINAL
fsr-3464	92	3	2004	DATE
fsr-3464	92	4	mitchell	PERSON
fsr-3464	92	5	2011	DATE
fsr-3464	93	1	van rooij	PERSON
fsr-3464	93	2	2011	DATE
fsr-3464	93	3	the dutch central bank	ORG
fsr-3464	94	1	huston et al.	PERSON
fsr-3464	94	2	2012	DATE
fsr-3464	94	3	linear combinations (allgood & walstad	ORG
fsr-3464	94	4	2013	DATE
fsr-3464	95	1	lusardi	PERSON
fsr-3464	95	2	scheresberg	PERSON
fsr-3464	95	3	2013	DATE
fsr-3464	96	1	3.3	CARDINAL
fsr-3464	97	1	3.3.1	CARDINAL
fsr-3464	97	2	two	CARDINAL
fsr-3464	97	3	2012	DATE
fsr-3464	97	4	2015	CARDINAL
fsr-3464	98	1	first	ORDINAL
fsr-3464	98	2	the last 12 months	DATE
fsr-3464	100	1	16%	PERCENT
fsr-3464	100	2	3.3.2	CARDINAL
fsr-3464	102	1	the past five years	DATE
fsr-3464	103	1	payday	DATE
fsr-3464	104	1	three	CARDINAL
fsr-3464	104	2	payday	DATE
fsr-3464	104	3	t. martin et al	PERSON
fsr-3464	104	4	29	CARDINAL
fsr-3464	104	5	2021	CARDINAL
fsr-3464	104	6	293–314 297	CARDINAL
fsr-3464	114	1	the previous 12 months	DATE
fsr-3464	115	1	4	CARDINAL
fsr-3464	115	2	1	CARDINAL
fsr-3464	116	1	hcb	ORG
fsr-3464	116	2	only 22%	PERCENT
fsr-3464	117	1	hcb	ORG
fsr-3464	117	2	hcb	ORG
fsr-3464	117	3	44%	PERCENT
fsr-3464	118	1	hcb	ORG
fsr-3464	120	1	hcb	ORG
fsr-3464	120	2	between $50,000 and $74,999	MONEY
fsr-3464	121	1	2	CARDINAL
fsr-3464	124	1	68%	PERCENT
fsr-3464	124	2	hcb	ORG
fsr-3464	124	3	45%	PERCENT
fsr-3464	124	4	hcb	ORG
fsr-3464	126	1	34%	PERCENT
fsr-3464	126	2	34%	PERCENT
fsr-3464	127	1	hcb	ORG
fsr-3464	128	1	27%	PERCENT
fsr-3464	128	2	hcb	ORG
fsr-3464	128	3	32%	PERCENT
fsr-3464	128	4	48%	PERCENT
fsr-3464	129	1	hcb	GPE
fsr-3464	129	2	4%	PERCENT
fsr-3464	129	3	6%	PERCENT
fsr-3464	129	4	14%	PERCENT
fsr-3464	130	1	298	CARDINAL
fsr-3464	130	2	29	CARDINAL
fsr-3464	130	3	2021	CARDINAL
fsr-3464	131	1	293–314	CARDINAL
fsr-3464	132	1	w ei g	PERSON
fsr-3464	135	1	g ro u p s	PERSON
fsr-3464	136	1	ia	GPE
fsr-3464	139	1	o	DATE
fsr-3464	140	1	g n o h	ORG
fsr-3464	142	1	o	DATE
fsr-3464	143	1	1 0	DATE
fsr-3464	143	2	5	CARDINAL
fsr-3464	143	3	1	CARDINAL
fsr-3464	143	4	5	CARDINAL
fsr-3464	143	5	9	CARDINAL
fsr-3464	143	6	0	CARDINAL
fsr-3464	143	7	2	CARDINAL
fsr-3464	143	8	3	CARDINAL
fsr-3464	143	9	8	CARDINAL
fsr-3464	144	1	ec	ORG
fsr-3464	144	2	io	LOC
fsr-3464	144	3	1 6 %	PERCENT
fsr-3464	144	4	3 5 %	PERCENT
fsr-3464	144	5	9 %	PERCENT
fsr-3464	146	1	o	DATE
fsr-3464	147	1	2 4 %	PERCENT
fsr-3464	147	2	5 5 %	PERCENT
fsr-3464	147	3	1 9 %	PERCENT
fsr-3464	147	4	al li	PERSON
fsr-3464	148	1	ec	ORG
fsr-3464	148	2	2 2 %	PERCENT
fsr-3464	148	3	1 2 %	PERCENT
fsr-3464	148	4	2 4 %	PERCENT
fsr-3464	148	5	1 0 %	PERCENT
fsr-3464	148	6	2 6 %	PERCENT
fsr-3464	148	7	ec	ORG
fsr-3464	148	8	t) 3	DATE
fsr-3464	148	9	al e	PERSON
fsr-3464	148	10	6 3 %	PERCENT
fsr-3464	148	11	6 4 %	PERCENT
fsr-3464	148	12	6 3 %	PERCENT
fsr-3464	148	13	6 6 %	PERCENT
fsr-3464	148	14	6 2 %	PERCENT
fsr-3464	148	15	al e 3 7 %	ORG
fsr-3464	148	16	3 6 %	PERCENT
fsr-3464	148	17	3 7 %	PERCENT
fsr-3464	148	18	3 4 %	PERCENT
fsr-3464	148	19	3 8 %	PERCENT
fsr-3464	148	20	ac e w h	ORG
fsr-3464	149	1	6 3 %	PERCENT
fsr-3464	149	2	5 7 %	PERCENT
fsr-3464	149	3	5 6 %	PERCENT
fsr-3464	149	4	3 5 %	PERCENT
fsr-3464	149	5	5 3 %	PERCENT
fsr-3464	153	1	3 7 %	PERCENT
fsr-3464	153	2	4 3 %	PERCENT
fsr-3464	153	3	4 4 %	PERCENT
fsr-3464	153	4	6 5 %	PERCENT
fsr-3464	153	5	4 7 %	PERCENT
fsr-3464	153	6	2 5	DATE
fsr-3464	153	7	3	CARDINAL
fsr-3464	153	8	0 %	PERCENT
fsr-3464	153	9	4 1 %	PERCENT
fsr-3464	153	10	2 8 %	PERCENT
fsr-3464	153	11	4 4 %	PERCENT
fsr-3464	153	12	2 5 %	PERCENT
fsr-3464	153	13	3 5	DATE
fsr-3464	153	14	3 %	PERCENT
fsr-3464	153	15	3 2 %	PERCENT
fsr-3464	153	16	3 3 %	PERCENT
fsr-3464	153	17	3 3 %	PERCENT
fsr-3464	153	18	3 3 %	PERCENT
fsr-3464	153	19	4 5	DATE
fsr-3464	153	20	5	CARDINAL
fsr-3464	153	21	7 %	PERCENT
fsr-3464	153	22	2 7 %	PERCENT
fsr-3464	153	23	3 9 %	PERCENT
fsr-3464	153	24	2 3 %	PERCENT
fsr-3464	153	25	4 2 %	PERCENT
fsr-3464	153	26	6 6 %	PERCENT
fsr-3464	153	27	7 1 %	PERCENT
fsr-3464	153	28	6 5 %	PERCENT
fsr-3464	153	29	6 4 %	PERCENT
fsr-3464	153	30	6 6 %	PERCENT
fsr-3464	153	31	1 %	PERCENT
fsr-3464	153	32	2 %	PERCENT
fsr-3464	153	33	1 %	PERCENT
fsr-3464	153	34	2 %	PERCENT
fsr-3464	153	35	1 %	PERCENT
fsr-3464	153	36	2 4	DATE
fsr-3464	153	37	9 2 %	PERCENT
fsr-3464	153	38	3 %	PERCENT
fsr-3464	153	39	2 %	PERCENT
fsr-3464	153	40	4 %	PERCENT
fsr-3464	153	41	2 %	PERCENT
fsr-3464	153	42	2 5	DATE
fsr-3464	153	43	0	CARDINAL
fsr-3464	153	44	0	CARDINAL
fsr-3464	153	45	3 4	DATE
fsr-3464	153	46	6 %	PERCENT
fsr-3464	153	47	7 %	PERCENT
fsr-3464	153	48	6 %	PERCENT
fsr-3464	153	49	1 0 %	PERCENT
fsr-3464	153	50	5 %	PERCENT
fsr-3464	153	51	3 5	DATE
fsr-3464	153	52	0	CARDINAL
fsr-3464	153	53	0	CARDINAL
fsr-3464	153	54	4 9	DATE
fsr-3464	153	55	1 1 %	PERCENT
fsr-3464	153	56	1 2 %	PERCENT
fsr-3464	153	57	1 5 %	PERCENT
fsr-3464	153	58	1 1 %	PERCENT
fsr-3464	153	59	0	CARDINAL
fsr-3464	153	60	0	CARDINAL
fsr-3464	153	61	7 4	DATE
fsr-3464	153	62	2 4 %	PERCENT
fsr-3464	153	63	2 4 %	PERCENT
fsr-3464	153	64	2 4 %	PERCENT
fsr-3464	153	65	2 8 %	PERCENT
fsr-3464	153	66	2 3 %	PERCENT
fsr-3464	153	67	7 5	DATE
fsr-3464	153	68	0	CARDINAL
fsr-3464	153	69	0	CARDINAL
fsr-3464	153	70	9 9	DATE
fsr-3464	153	71	0 %	PERCENT
fsr-3464	153	72	2 2 %	PERCENT
fsr-3464	153	73	2 0 %	PERCENT
fsr-3464	153	74	2 0 %	PERCENT
fsr-3464	153	75	2 1 %	PERCENT
fsr-3464	153	76	0	CARDINAL
fsr-3464	153	77	0	CARDINAL
fsr-3464	153	78	1 4 9	DATE
fsr-3464	153	79	3 %	PERCENT
fsr-3464	153	80	2 1 %	PERCENT
fsr-3464	153	81	2 3 %	PERCENT
fsr-3464	153	82	1 5 %	PERCENT
fsr-3464	153	83	2 5 %	PERCENT
fsr-3464	153	84	1 5	DATE
fsr-3464	153	85	0	CARDINAL
fsr-3464	154	1	1 1 %	PERCENT
fsr-3464	154	2	1 2 %	PERCENT
fsr-3464	154	3	7 %	PERCENT
fsr-3464	154	4	1 4 %	PERCENT
fsr-3464	155	1	4 1 %	PERCENT
fsr-3464	155	2	2 8 %	PERCENT
fsr-3464	155	3	4 4 %	PERCENT
fsr-3464	155	4	2 9 %	PERCENT
fsr-3464	155	5	4 5 %	PERCENT
fsr-3464	155	6	2 3 %	PERCENT
fsr-3464	155	7	2 8 %	PERCENT
fsr-3464	155	8	2 2 %	PERCENT
fsr-3464	155	9	2 6 %	PERCENT
fsr-3464	155	10	2 2 %	PERCENT
fsr-3464	155	11	w	GPE
fsr-3464	155	12	2 4 %	PERCENT
fsr-3464	155	13	2 8 %	PERCENT
fsr-3464	155	14	2 3 %	PERCENT
fsr-3464	155	15	2 8 %	PERCENT
fsr-3464	155	16	2 3 %	PERCENT
fsr-3464	155	17	8 %	PERCENT
fsr-3464	155	18	1 0 %	PERCENT
fsr-3464	155	19	8 %	PERCENT
fsr-3464	155	20	1 1 %	PERCENT
fsr-3464	155	21	7 %	PERCENT
fsr-3464	155	22	4 %	PERCENT
fsr-3464	155	23	7 %	PERCENT
fsr-3464	155	24	3 %	PERCENT
fsr-3464	155	25	5 %	PERCENT
fsr-3464	155	26	3 %	PERCENT
fsr-3464	155	27	t. martin et al	PERSON
fsr-3464	155	28	29	CARDINAL
fsr-3464	155	29	2021	CARDINAL
fsr-3464	156	1	293–314 299	CARDINAL
fsr-3464	156	2	ia	GPE
fsr-3464	159	1	o	DATE
fsr-3464	160	1	g n o h	ORG
fsr-3464	162	1	o	DATE
fsr-3464	163	1	1 0	DATE
fsr-3464	163	2	5	CARDINAL
fsr-3464	163	3	1	CARDINAL
fsr-3464	163	4	5	CARDINAL
fsr-3464	163	5	9	CARDINAL
fsr-3464	163	6	0	CARDINAL
fsr-3464	163	7	2	CARDINAL
fsr-3464	163	8	3	CARDINAL
fsr-3464	163	9	8	CARDINAL
fsr-3464	163	10	2	CARDINAL
fsr-3464	163	11	u s s el f	FAC
fsr-3464	163	12	9 %	PERCENT
fsr-3464	163	13	1 1 %	PERCENT
fsr-3464	163	14	9 %	PERCENT
fsr-3464	163	15	1 0 %	PERCENT
fsr-3464	163	16	9 %	PERCENT
fsr-3464	163	17	9 1 %	PERCENT
fsr-3464	163	18	8 9 %	PERCENT
fsr-3464	163	19	9 1 %	PERCENT
fsr-3464	163	20	9 0 %	PERCENT
fsr-3464	163	21	9 1 %	PERCENT
fsr-3464	163	22	n ce l	ORG
fsr-3464	163	23	w es	GPE
fsr-3464	163	24	t ri	GPE
fsr-3464	163	25	7 %	PERCENT
fsr-3464	163	26	6 %	PERCENT
fsr-3464	163	27	7 %	PERCENT
fsr-3464	163	28	7 %	PERCENT
fsr-3464	163	29	7 %	PERCENT
fsr-3464	163	30	2 1 4 %	PERCENT
fsr-3464	163	31	1 1 %	PERCENT
fsr-3464	163	32	1 5 %	PERCENT
fsr-3464	163	33	1 1 %	PERCENT
fsr-3464	163	34	1 5 %	PERCENT
fsr-3464	163	35	3 2 5 %	PERCENT
fsr-3464	163	36	1 8 %	PERCENT
fsr-3464	163	37	2 7 %	PERCENT
fsr-3464	163	38	1 9 %	PERCENT
fsr-3464	163	39	2 7 %	PERCENT
fsr-3464	163	40	2 8 %	PERCENT
fsr-3464	163	41	3 7 %	PERCENT
fsr-3464	163	42	3 1 %	PERCENT
fsr-3464	163	43	3 7 %	PERCENT
fsr-3464	165	1	1 8 %	PERCENT
fsr-3464	165	2	3 8 %	PERCENT
fsr-3464	165	3	1 4 %	PERCENT
fsr-3464	165	4	3 2 %	PERCENT
fsr-3464	165	5	1 3 %	PERCENT
fsr-3464	165	6	300	CARDINAL
fsr-3464	165	7	t. martin et al	PERSON
fsr-3464	165	8	29	CARDINAL
fsr-3464	165	9	2021	CARDINAL
fsr-3464	165	10	293–314	CARDINAL
fsr-3464	165	11	3	CARDINAL
fsr-3464	167	1	84%	PERCENT
fsr-3464	167	2	68%	PERCENT
fsr-3464	167	3	62%	PERCENT
fsr-3464	168	1	hcb	ORG
fsr-3464	169	1	only 44%	PERCENT
fsr-3464	170	1	only 45%	PERCENT
fsr-3464	170	2	hcb	ORG
fsr-3464	171	1	hcb	ORG
fsr-3464	171	2	88%	PERCENT
fsr-3464	171	3	75%	PERCENT
fsr-3464	171	4	67%	PERCENT
fsr-3464	172	1	2	CARDINAL
fsr-3464	172	2	10,560	CARDINAL
fsr-3464	172	3	1,523	CARDINAL
fsr-3464	172	4	9,037	CARDINAL
fsr-3464	172	5	n= 2,336	ORG
fsr-3464	172	6	8,224	CARDINAL
fsr-3464	172	7	49%	PERCENT
fsr-3464	172	8	35%	PERCENT
fsr-3464	172	9	51%	PERCENT
fsr-3464	172	10	36%	PERCENT
fsr-3464	172	11	53%	PERCENT
fsr-3464	172	12	57%	PERCENT
fsr-3464	172	13	52%	PERCENT
fsr-3464	172	14	58%	PERCENT
fsr-3464	172	15	51%	PERCENT
fsr-3464	172	16	59%	PERCENT
fsr-3464	172	17	22%	PERCENT
fsr-3464	172	18	50%	PERCENT
fsr-3464	172	19	16%	PERCENT
fsr-3464	172	20	42%	PERCENT
fsr-3464	172	21	15%	PERCENT
fsr-3464	172	22	75%	PERCENT
fsr-3464	172	23	79%	PERCENT
fsr-3464	172	24	74%	PERCENT
fsr-3464	172	25	68%	PERCENT
fsr-3464	172	26	45%	PERCENT
fsr-3464	172	27	95%	PERCENT
fsr-3464	172	28	95%	PERCENT
fsr-3464	172	29	95%	PERCENT
fsr-3464	172	30	91%	PERCENT
fsr-3464	172	31	96%	PERCENT
fsr-3464	172	32	9%	PERCENT
fsr-3464	172	33	34%	PERCENT
fsr-3464	172	34	5%	PERCENT
fsr-3464	172	35	27%	PERCENT
fsr-3464	172	36	4%	PERCENT
fsr-3464	172	37	12%	PERCENT
fsr-3464	172	38	34%	PERCENT
fsr-3464	172	39	8%	PERCENT
fsr-3464	172	40	32%	PERCENT
fsr-3464	172	41	6%	PERCENT
fsr-3464	172	42	22%	PERCENT
fsr-3464	172	43	55%	PERCENT
fsr-3464	172	44	16%	PERCENT
fsr-3464	172	45	48%	PERCENT
fsr-3464	172	46	14%	PERCENT
fsr-3464	172	47	3	CARDINAL
fsr-3464	173	1	84%	PERCENT
fsr-3464	173	2	70%	PERCENT
fsr-3464	173	3	87%	PERCENT
fsr-3464	173	4	72%	PERCENT
fsr-3464	173	5	88%	PERCENT
fsr-3464	173	6	68%	PERCENT
fsr-3464	173	7	44%	PERCENT
fsr-3464	173	8	73%	PERCENT
fsr-3464	173	9	45%	PERCENT
fsr-3464	173	10	75%	PERCENT
fsr-3464	173	11	62%	PERCENT
fsr-3464	173	12	44%	PERCENT
fsr-3464	173	13	65%	PERCENT
fsr-3464	173	14	45%	PERCENT
fsr-3464	173	15	67%	PERCENT
fsr-3464	173	16	2,336	CARDINAL
fsr-3464	173	17	8,224	CARDINAL
fsr-3464	173	18	84%	PERCENT
fsr-3464	173	19	59%	PERCENT
fsr-3464	173	20	78%	PERCENT
fsr-3464	173	21	84%	PERCENT
fsr-3464	173	22	89%	PERCENT
fsr-3464	173	23	68%	PERCENT
fsr-3464	173	24	25%	PERCENT
fsr-3464	173	25	56%	PERCENT
fsr-3464	173	26	67%	PERCENT
fsr-3464	173	27	76%	PERCENT
fsr-3464	173	28	62%	PERCENT
fsr-3464	173	29	32%	PERCENT
fsr-3464	173	30	53%	PERCENT
fsr-3464	173	31	58%	PERCENT
fsr-3464	173	32	68%	PERCENT
fsr-3464	174	1	t. martin et al	PERSON
fsr-3464	174	2	29	CARDINAL
fsr-3464	174	3	2021	CARDINAL
fsr-3464	175	1	293–314 301	CARDINAL
fsr-3464	175	2	ab le 4	ORG
fsr-3464	175	3	y lo g	PERSON
fsr-3464	175	4	li k el	PERSON
fsr-3464	179	1	ia	GPE
fsr-3464	193	1	0	CARDINAL
fsr-3464	193	2	9	CARDINAL
fsr-3464	194	1	0	CARDINAL
fsr-3464	195	1	9	CARDINAL
fsr-3464	196	1	0	CARDINAL
fsr-3464	197	1	9	CARDINAL
fsr-3464	198	1	al li	PERSON
fsr-3464	199	1	ec	ORG
fsr-3464	200	1	7	CARDINAL
fsr-3464	203	1	9	CARDINAL
fsr-3464	206	1	2	CARDINAL
fsr-3464	208	1	6	CARDINAL
fsr-3464	209	1	0	CARDINAL
fsr-3464	210	1	6	CARDINAL
fsr-3464	211	1	o ci o	PERSON
fsr-3464	216	1	al e	PERSON
fsr-3464	217	1	1	CARDINAL
fsr-3464	217	2	1 .1 5	CARDINAL
fsr-3464	221	1	3	CARDINAL
fsr-3464	223	1	3	CARDINAL
fsr-3464	225	1	3	CARDINAL
fsr-3464	226	1	3 5	DATE
fsr-3464	226	2	4 4	TIME
fsr-3464	228	1	1	CARDINAL
fsr-3464	231	1	1	CARDINAL
fsr-3464	232	1	4 5	DATE
fsr-3464	232	2	5	CARDINAL
fsr-3464	232	3	4	CARDINAL
fsr-3464	233	1	0	CARDINAL
fsr-3464	234	1	3	CARDINAL
fsr-3464	236	1	0	CARDINAL
fsr-3464	240	1	2	CARDINAL
fsr-3464	240	2	1 .1 5	QUANTITY
fsr-3464	242	1	1	CARDINAL
fsr-3464	242	2	0 2 5	DATE
fsr-3464	242	3	0	CARDINAL
fsr-3464	242	4	0	CARDINAL
fsr-3464	242	5	3 4	DATE
fsr-3464	243	1	4 3 5	DATE
fsr-3464	243	2	0	CARDINAL
fsr-3464	243	3	0	CARDINAL
fsr-3464	243	4	4 9	DATE
fsr-3464	243	5	4	CARDINAL
fsr-3464	243	6	0 .8	MONEY
fsr-3464	244	1	6	CARDINAL
fsr-3464	244	2	8 5	DATE
fsr-3464	244	3	0	CARDINAL
fsr-3464	244	4	0	CARDINAL
fsr-3464	244	5	7 4	DATE
fsr-3464	244	6	3	CARDINAL
fsr-3464	244	7	0 .8	MONEY
fsr-3464	245	1	6	CARDINAL
fsr-3464	245	2	8 7 5	DATE
fsr-3464	245	3	0	CARDINAL
fsr-3464	245	4	0	CARDINAL
fsr-3464	245	5	9 9	DATE
fsr-3464	245	6	0	CARDINAL
fsr-3464	245	7	0	CARDINAL
fsr-3464	245	8	1 4 9	DATE
fsr-3464	245	9	0 1 .2	MONEY
fsr-3464	245	10	0	CARDINAL
fsr-3464	246	1	0	CARDINAL
fsr-3464	249	1	0 1 .2 1	MONEY
fsr-3464	251	1	1 .8	MONEY
fsr-3464	252	1	1 .6 2	QUANTITY
fsr-3464	252	2	1 .6 1	QUANTITY
fsr-3464	253	1	1 .7 2	QUANTITY
fsr-3464	253	2	1 .4 8	QUANTITY
fsr-3464	253	3	1 .4 7	CARDINAL
fsr-3464	255	1	1	CARDINAL
fsr-3464	255	2	1	CARDINAL
fsr-3464	255	3	8	CARDINAL
fsr-3464	255	4	1	CARDINAL
fsr-3464	255	5	8	CARDINAL
fsr-3464	255	6	o	DATE
fsr-3464	255	7	2 .4 3	QUANTITY
fsr-3464	256	1	2	CARDINAL
fsr-3464	257	1	1 .7 2	QUANTITY
fsr-3464	257	2	1 .7 2	QUANTITY
fsr-3464	259	1	1 .0	MONEY
fsr-3464	260	1	1 .2 7	MONEY
fsr-3464	261	1	3 .2 2	MONEY
fsr-3464	263	1	3 .1 5	CARDINAL
fsr-3464	264	1	3	CARDINAL
fsr-3464	270	1	4	CARDINAL
fsr-3464	270	2	1	CARDINAL
fsr-3464	271	1	5	CARDINAL
fsr-3464	273	1	3	CARDINAL
fsr-3464	273	2	h su rp	PERSON
fsr-3464	274	1	0 .6 6	MONEY
fsr-3464	277	1	6	CARDINAL
fsr-3464	277	2	ea	CARDINAL
fsr-3464	277	3	su ra n ce 1	PERSON
fsr-3464	277	4	1	CARDINAL
fsr-3464	277	5	6	CARDINAL
fsr-3464	277	6	li t* d	PERSON
fsr-3464	277	7	6	CARDINAL
fsr-3464	277	8	ea	CARDINAL
fsr-3464	277	9	1 5	CARDINAL
fsr-3464	277	10	3	CARDINAL
fsr-3464	277	11	9	CARDINAL
fsr-3464	277	12	9	CARDINAL
fsr-3464	277	13	2	CARDINAL
fsr-3464	279	1	y lo g	PERSON
fsr-3464	280	1	ia	GPE
fsr-3464	281	1	2 5	DATE
fsr-3464	281	2	3 4	DATE
fsr-3464	281	3	$ 2 5	MONEY
fsr-3464	281	4	0	CARDINAL
fsr-3464	282	1	lo w es	PERSON
fsr-3464	282	2	t ri	GPE
fsr-3464	284	1	.0 1	DATE
fsr-3464	285	1	.0 5	DATE
fsr-3464	286	1	302	CARDINAL
fsr-3464	286	2	t. martin et al	PERSON
fsr-3464	286	3	29	CARDINAL
fsr-3464	286	4	2021	CARDINAL
fsr-3464	286	5	293–314 5	CARDINAL
fsr-3464	287	1	5.1	CARDINAL
fsr-3464	288	1	4	CARDINAL
fsr-3464	288	2	the past 12 months	DATE
fsr-3464	289	1	first	ORDINAL
fsr-3464	289	2	63%	PERCENT
fsr-3464	290	1	2	CARDINAL
fsr-3464	291	1	61%	PERCENT
fsr-3464	292	1	25%	PERCENT
fsr-3464	293	1	22%	PERCENT
fsr-3464	297	1	3	CARDINAL
fsr-3464	298	1	222%	PERCENT
fsr-3464	299	1	fourth	ORDINAL
fsr-3464	302	1	35%	PERCENT
fsr-3464	303	1	34%	PERCENT
fsr-3464	304	1	258%	PERCENT
fsr-3464	304	2	one	CARDINAL
fsr-3464	305	1	37%	PERCENT
fsr-3464	309	1	44%	PERCENT
fsr-3464	310	1	5	CARDINAL
fsr-3464	311	1	44%	PERCENT
fsr-3464	312	1	5.2	CARDINAL
fsr-3464	312	2	hcb	ORG
fsr-3464	312	3	5	CARDINAL
fsr-3464	312	4	hcb	ORG
fsr-3464	313	1	first	ORDINAL
fsr-3464	313	2	hcb	ORG
fsr-3464	314	1	hcb	ORG
fsr-3464	314	2	58%	PERCENT
fsr-3464	317	1	martin et al	PERSON
fsr-3464	317	2	29	CARDINAL
fsr-3464	317	3	2021	CARDINAL
fsr-3464	318	1	293–314 303	CARDINAL
fsr-3464	318	2	5	CARDINAL
fsr-3464	318	3	y lo g	PERSON
fsr-3464	318	4	li k el	PERSON
fsr-3464	323	1	o	DATE
fsr-3464	324	1	g u si n g h ig h -c	PERSON
fsr-3464	325	1	o	DATE
fsr-3464	326	1	g u si n g au to ti tl e lo	PERSON
fsr-3464	326	2	ia	GPE
fsr-3464	334	1	2	CARDINAL
fsr-3464	334	2	2	CARDINAL
fsr-3464	336	1	5	CARDINAL
fsr-3464	338	1	7	CARDINAL
fsr-3464	339	1	al li	PERSON
fsr-3464	340	1	ec	ORG
fsr-3464	341	1	2	CARDINAL
fsr-3464	342	1	4	CARDINAL
fsr-3464	344	1	7	CARDINAL
fsr-3464	347	1	o ci o	PERSON
fsr-3464	352	1	al e	PERSON
fsr-3464	352	2	1	CARDINAL
fsr-3464	354	1	1 .4 7	CARDINAL
fsr-3464	355	1	1 .3 5	CARDINAL
fsr-3464	357	1	1	CARDINAL
fsr-3464	359	1	3	CARDINAL
fsr-3464	359	2	3 5	DATE
fsr-3464	359	3	4 4	TIME
fsr-3464	361	1	1	CARDINAL
fsr-3464	362	1	0	CARDINAL
fsr-3464	367	1	4 5	DATE
fsr-3464	367	2	5	CARDINAL
fsr-3464	367	3	8	CARDINAL
fsr-3464	369	1	0	CARDINAL
fsr-3464	370	1	9	CARDINAL
fsr-3464	372	1	2	CARDINAL
fsr-3464	374	1	0	CARDINAL
fsr-3464	377	1	0	CARDINAL
fsr-3464	378	1	9 1 .1 8	QUANTITY
fsr-3464	380	1	0 2 5	DATE
fsr-3464	380	2	0	CARDINAL
fsr-3464	380	3	0	CARDINAL
fsr-3464	380	4	3 4	DATE
fsr-3464	381	1	0	CARDINAL
fsr-3464	382	1	7 3 5	DATE
fsr-3464	382	2	0	CARDINAL
fsr-3464	382	3	0	CARDINAL
fsr-3464	382	4	4 9	DATE
fsr-3464	382	5	6	CARDINAL
fsr-3464	384	1	2	CARDINAL
fsr-3464	384	2	0	CARDINAL
fsr-3464	384	3	3	CARDINAL
fsr-3464	385	1	0	CARDINAL
fsr-3464	385	2	0	CARDINAL
fsr-3464	385	3	7 4	DATE
fsr-3464	386	1	5	CARDINAL
fsr-3464	387	1	0	CARDINAL
fsr-3464	387	2	9	CARDINAL
fsr-3464	387	3	0	CARDINAL
fsr-3464	388	1	8	CARDINAL
fsr-3464	390	1	0	CARDINAL
fsr-3464	391	1	7 7 5	DATE
fsr-3464	391	2	0	CARDINAL
fsr-3464	391	3	0	CARDINAL
fsr-3464	391	4	9 9	DATE
fsr-3464	391	5	4	CARDINAL
fsr-3464	394	1	3	CARDINAL
fsr-3464	394	2	0	CARDINAL
fsr-3464	395	1	3	CARDINAL
fsr-3464	397	1	5	CARDINAL
fsr-3464	397	2	1	CARDINAL
fsr-3464	397	3	0	CARDINAL
fsr-3464	397	4	0	CARDINAL
fsr-3464	397	5	1 4 9	DATE
fsr-3464	400	1	0	CARDINAL
fsr-3464	401	1	4	CARDINAL
fsr-3464	405	1	0	CARDINAL
fsr-3464	406	1	6	CARDINAL
fsr-3464	407	1	1 5	CARDINAL
fsr-3464	407	2	0	CARDINAL
fsr-3464	408	1	1	CARDINAL
fsr-3464	409	1	0	CARDINAL
fsr-3464	416	1	4	CARDINAL
fsr-3464	418	1	2	CARDINAL
fsr-3464	418	2	2	CARDINAL
fsr-3464	418	3	1 .9 9	QUANTITY
fsr-3464	418	4	1 .7 9	CARDINAL
fsr-3464	418	5	2 .1 5	CARDINAL
fsr-3464	418	6	2	CARDINAL
fsr-3464	422	1	2	CARDINAL
fsr-3464	422	2	9	CARDINAL
fsr-3464	423	1	2	CARDINAL
fsr-3464	423	2	8	CARDINAL
fsr-3464	424	1	o	DATE
fsr-3464	424	2	1 .8 1	MONEY
fsr-3464	425	1	1 .9	QUANTITY
fsr-3464	425	2	2 .0	MONEY
fsr-3464	425	3	2	CARDINAL
fsr-3464	425	4	6	CARDINAL
fsr-3464	427	1	8	CARDINAL
fsr-3464	428	1	1	CARDINAL
fsr-3464	431	1	2	CARDINAL
fsr-3464	432	1	1 .1	MONEY
fsr-3464	433	1	1	CARDINAL
fsr-3464	434	1	1 .0 6	CARDINAL
fsr-3464	435	1	2 .2	MONEY
fsr-3464	435	2	1 .7 6	QUANTITY
fsr-3464	436	1	1	CARDINAL
fsr-3464	436	2	3	CARDINAL
fsr-3464	438	1	3 .0 8	QUANTITY
fsr-3464	439	1	5	CARDINAL
fsr-3464	441	1	4	CARDINAL
fsr-3464	441	2	3 .8 8	QUANTITY
fsr-3464	448	1	3 .0 8	QUANTITY
fsr-3464	448	2	2 .8	MONEY
fsr-3464	448	3	3	CARDINAL
fsr-3464	448	4	9	CARDINAL
fsr-3464	450	1	1	CARDINAL
fsr-3464	451	1	3	CARDINAL
fsr-3464	451	2	h su	PERSON
fsr-3464	452	1	0 .6 9	MONEY
fsr-3464	454	1	0	CARDINAL
fsr-3464	458	1	9	CARDINAL
fsr-3464	460	1	2	CARDINAL
fsr-3464	462	1	ea	CARDINAL
fsr-3464	465	1	su ra n	PERSON
fsr-3464	465	2	1	CARDINAL
fsr-3464	465	3	6	CARDINAL
fsr-3464	467	1	0	CARDINAL
fsr-3464	468	1	8	CARDINAL
fsr-3464	472	1	6	CARDINAL
fsr-3464	472	2	ea	CARDINAL
fsr-3464	475	1	1 .1 2	QUANTITY
fsr-3464	476	1	8	CARDINAL
fsr-3464	476	2	2	CARDINAL
fsr-3464	476	3	y lo g	PERSON
fsr-3464	477	1	ia	GPE
fsr-3464	478	1	2 5	DATE
fsr-3464	478	2	3 4	DATE
fsr-3464	478	3	$ 2 5	MONEY
fsr-3464	478	4	0	CARDINAL
fsr-3464	479	1	lo w es	PERSON
fsr-3464	479	2	t ri	GPE
fsr-3464	481	1	.0 1	DATE
fsr-3464	482	1	.0 5	DATE
fsr-3464	483	1	304	CARDINAL
fsr-3464	483	2	t. martin et al	PERSON
fsr-3464	483	3	29	CARDINAL
fsr-3464	483	4	2021	CARDINAL
fsr-3464	484	1	293–314	CARDINAL
fsr-3464	484	2	32%	PERCENT
fsr-3464	484	3	hcb	ORG
fsr-3464	485	1	hcb	ORG
fsr-3464	485	2	hcb	ORG
fsr-3464	485	3	160%	PERCENT
fsr-3464	486	1	hcb	ORG
fsr-3464	486	2	24%	PERCENT
fsr-3464	487	1	hcb	ORG
fsr-3464	488	1	2	CARDINAL
fsr-3464	490	1	66%	PERCENT
fsr-3464	492	1	29%	PERCENT
fsr-3464	492	2	54%	PERCENT
fsr-3464	493	1	3	CARDINAL
fsr-3464	493	2	the past five years	DATE
fsr-3464	494	1	63%	PERCENT
fsr-3464	495	1	189%	PERCENT
fsr-3464	496	1	31%	PERCENT
fsr-3464	497	1	42%	PERCENT
fsr-3464	498	1	4	CARDINAL
fsr-3464	498	2	payday	DATE
fsr-3464	499	1	payday	DATE
fsr-3464	499	2	70%	PERCENT
fsr-3464	500	1	239%	PERCENT
fsr-3464	501	1	5.3	CARDINAL
fsr-3464	501	2	6	CARDINAL
fsr-3464	501	3	six	CARDINAL
fsr-3464	504	1	1a	CARDINAL
fsr-3464	504	2	63%	PERCENT
fsr-3464	505	1	the last year	DATE
fsr-3464	505	2	189%	PERCENT
fsr-3464	505	3	max	PERSON
fsr-3464	505	4	31%	PERCENT
fsr-3464	506	1	1b	CARDINAL
fsr-3464	507	1	38%	PERCENT
fsr-3464	508	1	2a	CARDINAL
fsr-3464	508	2	43%	PERCENT
fsr-3464	509	1	nearly three	CARDINAL
fsr-3464	510	1	53%	PERCENT
fsr-3464	510	2	52%	PERCENT
fsr-3464	511	1	2b	CARDINAL
fsr-3464	512	1	martin et al	PERSON
fsr-3464	512	2	29	CARDINAL
fsr-3464	512	3	2021	CARDINAL
fsr-3464	512	4	293–314 305	CARDINAL
fsr-3464	512	5	6	CARDINAL
fsr-3464	512	6	y lo g	PERSON
fsr-3464	512	7	li k el	PERSON
fsr-3464	516	1	o	DATE
fsr-3464	518	1	ct io	PERSON
fsr-3464	521	1	n s v ar ia b le	PRODUCT
fsr-3464	532	1	5	CARDINAL
fsr-3464	534	1	3	CARDINAL
fsr-3464	540	1	8	CARDINAL
fsr-3464	549	1	al li	PERSON
fsr-3464	550	1	ec	ORG
fsr-3464	551	1	7	CARDINAL
fsr-3464	557	1	0	CARDINAL
fsr-3464	562	1	4	CARDINAL
fsr-3464	564	1	2	CARDINAL
fsr-3464	565	1	al li	PERSON
fsr-3464	566	1	ec	ORG
fsr-3464	567	1	7	CARDINAL
fsr-3464	573	1	0	CARDINAL
fsr-3464	578	1	4	CARDINAL
fsr-3464	580	1	2	CARDINAL
fsr-3464	581	1	o ci o	PERSON
fsr-3464	586	1	al e	PERSON
fsr-3464	587	1	1	CARDINAL
fsr-3464	588	1	6	CARDINAL
fsr-3464	588	2	6 1 .2 4	MONEY
fsr-3464	588	3	1 .2 4	MONEY
fsr-3464	592	1	1	CARDINAL
fsr-3464	593	1	3	CARDINAL
fsr-3464	596	1	0	CARDINAL
fsr-3464	597	1	9	CARDINAL
fsr-3464	599	1	1	CARDINAL
fsr-3464	600	1	1	CARDINAL
fsr-3464	601	1	3 5	DATE
fsr-3464	601	2	4 4	TIME
fsr-3464	607	1	2	CARDINAL
fsr-3464	607	2	1	CARDINAL
fsr-3464	610	1	2	CARDINAL
fsr-3464	611	1	4 5	DATE
fsr-3464	611	2	5	CARDINAL
fsr-3464	611	3	2	CARDINAL
fsr-3464	614	1	6	CARDINAL
fsr-3464	616	1	8	CARDINAL
fsr-3464	618	1	9	CARDINAL
fsr-3464	620	1	8	CARDINAL
fsr-3464	622	1	9	CARDINAL
fsr-3464	622	2	0 .8	MONEY
fsr-3464	623	1	0	CARDINAL
fsr-3464	624	1	8	CARDINAL
fsr-3464	625	1	2 5	DATE
fsr-3464	625	2	0	CARDINAL
fsr-3464	625	3	0	CARDINAL
fsr-3464	625	4	3 4	DATE
fsr-3464	626	1	0	CARDINAL
fsr-3464	627	1	0	CARDINAL
fsr-3464	627	2	2 3 5	DATE
fsr-3464	627	3	0	CARDINAL
fsr-3464	627	4	0	CARDINAL
fsr-3464	627	5	4 9	DATE
fsr-3464	627	6	3	CARDINAL
fsr-3464	628	1	0	CARDINAL
fsr-3464	630	1	0	CARDINAL
fsr-3464	631	1	9	CARDINAL
fsr-3464	632	1	0	CARDINAL
fsr-3464	632	2	0	CARDINAL
fsr-3464	632	3	7 4	DATE
fsr-3464	632	4	8	CARDINAL
fsr-3464	634	1	0	CARDINAL
fsr-3464	635	1	5	CARDINAL
fsr-3464	636	1	4	CARDINAL
fsr-3464	636	2	0	CARDINAL
fsr-3464	636	3	6	CARDINAL
fsr-3464	636	4	0	CARDINAL
fsr-3464	636	5	0	CARDINAL
fsr-3464	636	6	0	CARDINAL
fsr-3464	636	7	9 9	DATE
fsr-3464	637	1	3	CARDINAL
fsr-3464	641	1	0 .8	MONEY
fsr-3464	642	1	0	CARDINAL
fsr-3464	643	1	1	CARDINAL
fsr-3464	643	2	0	CARDINAL
fsr-3464	643	3	0	CARDINAL
fsr-3464	643	4	1 4 9	DATE
fsr-3464	647	1	3	CARDINAL
fsr-3464	647	2	0	CARDINAL
fsr-3464	647	3	7	CARDINAL
fsr-3464	648	1	7	CARDINAL
fsr-3464	648	2	1 5	CARDINAL
fsr-3464	648	3	0	CARDINAL
fsr-3464	653	1	8	CARDINAL
fsr-3464	655	1	5	CARDINAL
fsr-3464	656	1	5	CARDINAL
fsr-3464	656	2	0	CARDINAL
fsr-3464	656	3	6	CARDINAL
fsr-3464	656	4	0	CARDINAL
fsr-3464	656	5	6	CARDINAL
fsr-3464	656	6	1	CARDINAL
fsr-3464	656	7	2	CARDINAL
fsr-3464	656	8	1	CARDINAL
fsr-3464	656	9	5	CARDINAL
fsr-3464	656	10	1	CARDINAL
fsr-3464	656	11	4	CARDINAL
fsr-3464	656	12	1 .4 9	CARDINAL
fsr-3464	656	13	1 .4 9	CARDINAL
fsr-3464	656	14	1 .7 4	QUANTITY
fsr-3464	656	15	1 .6 9	CARDINAL
fsr-3464	656	16	1 .6 8	QUANTITY
fsr-3464	656	17	1 .7 6	QUANTITY
fsr-3464	656	18	1 .7 6	QUANTITY
fsr-3464	656	19	9	CARDINAL
fsr-3464	657	1	1 .7 4	QUANTITY
fsr-3464	658	1	1 .7 5	CARDINAL
fsr-3464	658	2	1 .6 1	QUANTITY
fsr-3464	658	3	1 .6 1	QUANTITY
fsr-3464	659	1	o	DATE
fsr-3464	659	2	2 .0 2	MONEY
fsr-3464	659	3	2 .4	MONEY
fsr-3464	659	4	2 .2 8	MONEY
fsr-3464	660	1	2 .2	MONEY
fsr-3464	661	1	1 .8	MONEY
fsr-3464	662	1	1 .8	MONEY
fsr-3464	665	1	1 .1 8	QUANTITY
fsr-3464	669	1	0 .9	MONEY
fsr-3464	670	1	6 1 .0	MONEY
fsr-3464	670	2	5	CARDINAL
fsr-3464	670	3	0	CARDINAL
fsr-3464	670	4	5	CARDINAL
fsr-3464	670	5	1	CARDINAL
fsr-3464	671	1	1 .2	MONEY
fsr-3464	672	1	1	CARDINAL
fsr-3464	672	2	5	CARDINAL
fsr-3464	672	3	1 .4 1	QUANTITY
fsr-3464	672	4	1 .4 2	MONEY
fsr-3464	672	5	1	CARDINAL
fsr-3464	672	6	6	CARDINAL
fsr-3464	672	7	6	CARDINAL
fsr-3464	673	1	1 .7 5	CARDINAL
fsr-3464	673	2	1 .6 2	QUANTITY
fsr-3464	673	3	1 .6 1	QUANTITY
fsr-3464	673	4	1 .9	MONEY
fsr-3464	673	5	1 .9 1	QUANTITY
fsr-3464	674	1	4 .0	MONEY
fsr-3464	676	1	5	CARDINAL
fsr-3464	677	1	3	CARDINAL
fsr-3464	678	1	3	CARDINAL
fsr-3464	680	1	4	CARDINAL
fsr-3464	680	2	6	CARDINAL
fsr-3464	681	1	4	CARDINAL
fsr-3464	681	2	2	CARDINAL
fsr-3464	684	1	306	CARDINAL
fsr-3464	684	2	t. martin et al	PERSON
fsr-3464	684	3	29	CARDINAL
fsr-3464	684	4	2021	CARDINAL
fsr-3464	685	1	293–314	CARDINAL
fsr-3464	685	2	ab le 6	ORG
fsr-3464	687	1	ct io	PERSON
fsr-3464	690	1	n s v ar ia b le	PRODUCT
fsr-3464	703	1	4	CARDINAL
fsr-3464	705	1	2 .8	MONEY
fsr-3464	706	1	3 .4 5	CARDINAL
fsr-3464	706	2	2 .4 3	CARDINAL
fsr-3464	706	3	2	CARDINAL
fsr-3464	707	1	0	CARDINAL
fsr-3464	708	1	9	CARDINAL
fsr-3464	709	1	0	CARDINAL
fsr-3464	712	1	0	CARDINAL
fsr-3464	715	1	0 .8	MONEY
fsr-3464	715	2	5	CARDINAL
fsr-3464	716	1	3	CARDINAL
fsr-3464	716	2	h su	PERSON
fsr-3464	717	1	0 .6 9	MONEY
fsr-3464	719	1	0	CARDINAL
fsr-3464	719	2	9	CARDINAL
fsr-3464	728	1	3	CARDINAL
fsr-3464	730	1	2	CARDINAL
fsr-3464	730	2	ea	CARDINAL
fsr-3464	730	3	su ra n ce 0	PERSON
fsr-3464	730	4	8	CARDINAL
fsr-3464	733	1	8	CARDINAL
fsr-3464	735	1	6	CARDINAL
fsr-3464	735	2	0	CARDINAL
fsr-3464	735	3	li t*	PERSON
fsr-3464	737	1	2	CARDINAL
fsr-3464	737	2	0	CARDINAL
fsr-3464	737	3	8	CARDINAL
fsr-3464	740	1	ea	CARDINAL
fsr-3464	740	2	1	CARDINAL
fsr-3464	740	3	2	CARDINAL
fsr-3464	740	4	1	CARDINAL
fsr-3464	741	1	2	CARDINAL
fsr-3464	741	2	2	CARDINAL
fsr-3464	742	1	y lo g	PERSON
fsr-3464	743	1	ia	GPE
fsr-3464	744	1	2 5	DATE
fsr-3464	744	2	4	CARDINAL
fsr-3464	744	3	$ 2 5	MONEY
fsr-3464	744	4	0	CARDINAL
fsr-3464	745	1	lo w es	PERSON
fsr-3464	745	2	t ri	GPE
fsr-3464	748	1	.0 1	DATE
fsr-3464	749	1	.0 5	DATE
fsr-3464	750	1	t. martin et al	PERSON
fsr-3464	750	2	29	CARDINAL
fsr-3464	750	3	2021	CARDINAL
fsr-3464	750	4	293–314 307	CARDINAL
fsr-3464	750	5	42%	PERCENT
fsr-3464	751	1	3a	CARDINAL
fsr-3464	751	2	56%	PERCENT
fsr-3464	752	1	24%	PERCENT
fsr-3464	752	2	19%	PERCENT
fsr-3464	753	1	the last 12 months	DATE
fsr-3464	753	2	143%	PERCENT
fsr-3464	754	1	15%	PERCENT
fsr-3464	754	2	37%	PERCENT
fsr-3464	755	1	3b	CARDINAL
fsr-3464	756	1	40%	PERCENT
fsr-3464	757	1	5.4	CARDINAL
fsr-3464	757	2	7	CARDINAL
fsr-3464	758	1	four	CARDINAL
fsr-3464	760	1	65%	PERCENT
fsr-3464	760	2	20%	PERCENT
fsr-3464	760	3	58%	PERCENT
fsr-3464	763	1	52%	PERCENT
fsr-3464	763	2	payday	DATE
fsr-3464	765	1	6.	CARDINAL
fsr-3464	765	2	americans	NORP
fsr-3464	766	1	2015	CARDINAL
fsr-3464	766	2	two	CARDINAL
fsr-3464	769	1	first	ORDINAL
fsr-3464	769	2	one	CARDINAL
fsr-3464	769	3	four	CARDINAL
fsr-3464	769	4	americans	NORP
fsr-3464	769	5	one	CARDINAL
fsr-3464	769	6	six	CARDINAL
fsr-3464	771	1	308	CARDINAL
fsr-3464	771	2	martin et al	PERSON
fsr-3464	771	3	29	CARDINAL
fsr-3464	771	4	2021	CARDINAL
fsr-3464	771	5	293–314	CARDINAL
fsr-3464	771	6	7	CARDINAL
fsr-3464	771	7	0.35	CARDINAL
fsr-3464	772	1	0.49	CARDINAL
fsr-3464	772	2	0.80	CARDINAL
fsr-3464	773	1	0.78	CARDINAL
fsr-3464	773	2	1.58	CARDINAL
fsr-3464	773	3	1.52	CARDINAL
fsr-3464	773	4	1.60	CARDINAL
fsr-3464	773	5	1.60	CARDINAL
fsr-3464	773	6	1.27	CARDINAL
fsr-3464	773	7	1.27	CARDINAL
fsr-3464	773	8	1.05 1.05	CARDINAL
fsr-3464	773	9	0.86 0.86	CARDINAL
fsr-3464	773	10	0.92 0.92	CARDINAL
fsr-3464	773	11	1.21	CARDINAL
fsr-3464	773	12	1.21	CARDINAL
fsr-3464	773	13	35–44 0.63	CARDINAL
fsr-3464	773	14	0.64	CARDINAL
fsr-3464	773	15	35–44 0.81 *	TIME
fsr-3464	774	1	0.81	CARDINAL
fsr-3464	774	2	35–44 1.01 1.01 45–54	PERCENT
fsr-3464	774	3	0.37	CARDINAL
fsr-3464	774	4	0.37	CARDINAL
fsr-3464	775	1	0.66	CARDINAL
fsr-3464	775	2	0.66	CARDINAL
fsr-3464	775	3	0.94 0.94	CARDINAL
fsr-3464	775	4	0.90 0.91	CARDINAL
fsr-3464	775	5	0.87 0.87	CARDINAL
fsr-3464	775	6	0.87 0.87	CARDINAL
fsr-3464	775	7	0.67 0.68 35,000–49,999 0.59	CARDINAL
fsr-3464	775	8	0.59	CARDINAL
fsr-3464	775	9	0.59	CARDINAL
fsr-3464	775	10	0.53	CARDINAL
fsr-3464	776	1	0.35	CARDINAL
fsr-3464	777	1	0.72 100,000–149,999	MONEY
fsr-3464	777	2	0.41	CARDINAL
fsr-3464	777	3	100,000–149,999 0.24	CARDINAL
fsr-3464	777	4	0.24	CARDINAL
fsr-3464	777	5	0.69 0.68 150,000	MONEY
fsr-3464	778	1	0.33	CARDINAL
fsr-3464	779	1	150,000	CARDINAL
fsr-3464	779	2	0.17	CARDINAL
fsr-3464	779	3	150,000+ 0.65 0.65 one 1.49	QUANTITY
fsr-3464	779	4	1.49	CARDINAL
fsr-3464	780	1	one 1.12 1.12	CARDINAL
fsr-3464	780	2	0.65	CARDINAL
fsr-3464	780	3	two	CARDINAL
fsr-3464	780	4	1.96	CARDINAL
fsr-3464	780	5	1.96	CARDINAL
fsr-3464	780	6	two	CARDINAL
fsr-3464	780	7	1.47	CARDINAL
fsr-3464	780	8	1.48	CARDINAL
fsr-3464	780	9	two	CARDINAL
fsr-3464	780	10	0.79	CARDINAL
fsr-3464	780	11	0.79	CARDINAL
fsr-3464	780	12	three 1.90	CARDINAL
fsr-3464	780	13	1.92	CARDINAL
fsr-3464	780	14	three 1.89	CARDINAL
fsr-3464	780	15	1.89	CARDINAL
fsr-3464	780	16	three 0.76	QUANTITY
fsr-3464	781	1	0.76	CARDINAL
fsr-3464	782	1	1.61	CARDINAL
fsr-3464	782	2	1.61	CARDINAL
fsr-3464	782	3	1.09 1.09	CARDINAL
fsr-3464	782	4	0.65	CARDINAL
fsr-3464	782	5	0.65	CARDINAL
fsr-3464	782	6	0.93 0.92	CARDINAL
fsr-3464	782	7	0.64	CARDINAL
fsr-3464	783	1	0.64	CARDINAL
fsr-3464	783	2	1.07 1.07	CARDINAL
fsr-3464	783	3	t. martin et al	PERSON
fsr-3464	783	4	29	CARDINAL
fsr-3464	783	5	2021	CARDINAL
fsr-3464	784	1	293–314 309	CARDINAL
fsr-3464	786	1	the last five years	DATE
fsr-3464	788	1	7	CARDINAL
fsr-3464	788	2	0.99 0.99	CARDINAL
fsr-3464	788	3	0.94 0.94	CARDINAL
fsr-3464	788	4	0.88 0.89	CARDINAL
fsr-3464	788	5	2 1.68	CARDINAL
fsr-3464	788	6	1.68	CARDINAL
fsr-3464	788	7	2 1.05 1.05	CARDINAL
fsr-3464	788	8	2 1.15 1.15	QUANTITY
fsr-3464	788	9	3 1.87	CARDINAL
fsr-3464	788	10	1.89	CARDINAL
fsr-3464	788	11	3 1.04 1.04	CARDINAL
fsr-3464	788	12	3 1.05 1.05	CARDINAL
fsr-3464	788	13	4 2.25	CARDINAL
fsr-3464	789	1	2.25	CARDINAL
fsr-3464	789	2	4 1.28 1.28	CARDINAL
fsr-3464	789	3	4 0.99 0.99	CARDINAL
fsr-3464	789	4	4.73	CARDINAL
fsr-3464	789	5	4.75	CARDINAL
fsr-3464	789	6	1.18 1.19	CARDINAL
fsr-3464	789	7	0.56	CARDINAL
fsr-3464	789	8	0.56	CARDINAL
fsr-3464	789	9	2.66	CARDINAL
fsr-3464	789	10	3.00	CARDINAL
fsr-3464	789	11	0.79	CARDINAL
fsr-3464	789	12	0.76	CARDINAL
fsr-3464	789	13	0.39	CARDINAL
fsr-3464	789	14	0.36	CARDINAL
fsr-3464	789	15	1.62	CARDINAL
fsr-3464	789	16	1.59	CARDINAL
fsr-3464	789	17	1.44	CARDINAL
fsr-3464	789	18	1.44	CARDINAL
fsr-3464	789	19	2.21	CARDINAL
fsr-3464	789	20	2.22	CARDINAL
fsr-3464	789	21	0.88 0.87	CARDINAL
fsr-3464	789	22	1.09 1.09	CARDINAL
fsr-3464	789	23	1.53	CARDINAL
fsr-3464	789	24	1.53	CARDINAL
fsr-3464	789	25	0.19 0.82	CARDINAL
fsr-3464	789	26	0.78 0.46	CARDINAL
fsr-3464	789	27	0.15 0.86	CARDINAL
fsr-3464	789	28	0.48	CARDINAL
fsr-3464	789	29	lit*drop	EVENT
fsr-3464	789	30	1.09	CARDINAL
fsr-3464	789	31	1.21 year	DATE
fsr-3464	789	32	15 1.45	QUANTITY
fsr-3464	789	33	1.44	CARDINAL
fsr-3464	789	34	15 1.28	CARDINAL
fsr-3464	790	1	1.28	CARDINAL
fsr-3464	790	2	15 1.37	QUANTITY
fsr-3464	790	3	1.37	CARDINAL
fsr-3464	791	1	four	CARDINAL
fsr-3464	793	1	age 25-34	DATE
fsr-3464	793	2	lower than $25,000	MONEY
fsr-3464	797	1	310	CARDINAL
fsr-3464	797	2	martin et al	PERSON
fsr-3464	797	3	29	CARDINAL
fsr-3464	797	4	2021	CARDINAL
fsr-3464	798	1	293–314	CARDINAL
fsr-3464	799	1	above $35,000	MONEY
fsr-3464	800	1	two	CARDINAL
fsr-3464	801	1	three	CARDINAL
fsr-3464	802	1	payday	DATE
fsr-3464	809	1	mitchell	PERSON
fsr-3464	809	2	2014	DATE
fsr-3464	809	3	2012	DATE
fsr-3464	818	1	tang	PERSON
fsr-3464	818	2	2014	DATE
fsr-3464	820	1	t. martin et al	PERSON
fsr-3464	820	2	29	CARDINAL
fsr-3464	820	3	2021	CARDINAL
fsr-3464	821	1	293–314	CARDINAL
fsr-3464	822	1	u.s.	GPE
fsr-3464	822	2	2015	DATE
fsr-3464	823	1	10%	PERCENT
fsr-3464	824	1	2012	DATE
fsr-3464	824	2	25%	PERCENT
fsr-3464	824	3	american	NORP
fsr-3464	824	4	70 billion dollars	MONEY
fsr-3464	824	5	annually	DATE
fsr-3464	824	6	$175 billion	MONEY
fsr-3464	824	7	fellowes & willemin	ORG
fsr-3464	824	8	2013	DATE
fsr-3464	825	1	1	MONEY
fsr-3464	825	2	0.40	MONEY
fsr-3464	825	3	bryant, & sabelhaus	ORG
fsr-3464	825	4	2015	DATE
fsr-3464	826	1	gao	PERSON
fsr-3464	826	2	2009	DATE
fsr-3464	833	1	annually	DATE
fsr-3464	833	2	12 million	CARDINAL
fsr-3464	833	3	americans	NORP
fsr-3464	833	4	$9 billion	MONEY
fsr-3464	833	5	payday	DATE
fsr-3464	833	6	another $3 billion	MONEY
fsr-3464	834	1	eight loans per year	DATE
fsr-3464	835	1	payday	DATE
fsr-3464	835	2	daily	DATE
fsr-3464	836	1	skiba	ORG
fsr-3464	836	2	2009	DATE
fsr-3464	836	3	66%	PERCENT
fsr-3464	836	4	payday	DATE
fsr-3464	840	1	payday	DATE
fsr-3464	843	1	312	CARDINAL
fsr-3464	843	2	29	CARDINAL
fsr-3464	843	3	2021	CARDINAL
fsr-3464	844	1	293–314	CARDINAL
fsr-3464	844	2	1	CARDINAL
fsr-3464	844	3	vanguard	ORG
fsr-3464	844	4	2016	CARDINAL
fsr-3464	844	5	2015	DATE
fsr-3464	844	6	78%	PERCENT
fsr-3464	844	7	84%	PERCENT
fsr-3464	845	1	2	CARDINAL
fsr-3464	845	2	two	CARDINAL
fsr-3464	847	1	3	CARDINAL
fsr-3464	847	2	2010	DATE
fsr-3464	848	1	s.	GPE
fsr-3464	848	2	skiba	ORG
fsr-3464	848	3	m., & tobacman	ORG
fsr-3464	848	4	j.	PERSON
fsr-3464	848	5	2009	DATE
fsr-3464	849	1	payday	DATE
fsr-3464	851	1	cambridge	GPE
fsr-3464	851	2	ma: national bureau of economic research	ORG
fsr-3464	852	1	allgood	ORG
fsr-3464	852	2	s., & walstad	ORG
fsr-3464	852	3	w.	PERSON
fsr-3464	852	4	2013	DATE
fsr-3464	854	1	6	CARDINAL
fsr-3464	854	2	3	DATE
fsr-3464	854	3	r.	NORP
fsr-3464	854	4	bryant	PERSON
fsr-3464	854	5	v. l., & sabelhaus	PERSON
fsr-3464	854	6	j. (	PERSON
fsr-3464	854	7	2015	CARDINAL
fsr-3464	856	1	33	CARDINAL
fsr-3464	856	2	1–16	CARDINAL
fsr-3464	857	1	atkinson	GPE
fsr-3464	857	2	a.	GPE
fsr-3464	857	3	mckay	GPE
fsr-3464	857	4	s.	PERSON
fsr-3464	857	5	collard, s., & kempson	ORG
fsr-3464	857	6	2007	DATE
fsr-3464	858	1	uk	GPE
fsr-3464	858	2	27	CARDINAL
fsr-3464	858	3	29–36	CARDINAL
fsr-3464	858	4	j.	PERSON
fsr-3464	858	5	j. j.	PERSON
fsr-3464	858	6	hurwitz	PERSON
fsr-3464	858	7	j., laibson	ORG
fsr-3464	858	8	d., & madrian	ORG
fsr-3464	858	9	b. c. (	PERSON
fsr-3464	860	1	american	NORP
fsr-3464	860	2	105	CARDINAL
fsr-3464	860	3	420–425	ORG
fsr-3464	861	1	bertaut	PERSON
fsr-3464	861	2	c., & haliassos	ORG
fsr-3464	861	3	m. (	PERSON
fsr-3464	861	4	2006	DATE
fsr-3464	863	1	g. bertola	PERSON
fsr-3464	863	2	r. disney	ORG
fsr-3464	864	1	181–238	CARDINAL
fsr-3464	865	1	cambridge	GPE
fsr-3464	866	1	bernheim	GPE
fsr-3464	866	2	d. d.	NORP
fsr-3464	866	3	1998	DATE
fsr-3464	868	1	96-97	CARDINAL
fsr-3464	869	1	philadelphia	GPE
fsr-3464	869	2	wharton school pension research council	ORG
fsr-3464	869	3	university of pennsylvania	ORG
fsr-3464	870	1	brady	PERSON
fsr-3464	870	2	2011	DATE
fsr-3464	872	1	washington	GPE
fsr-3464	872	2	dc	GPE
fsr-3464	873	1	butrica	ORG
fsr-3464	873	2	b. a.	PERSON
fsr-3464	873	3	s. r.	PERSON
fsr-3464	873	4	& issa	PERSON
fsr-3464	873	5	2010	DATE
fsr-3464	875	1	washington	GPE
fsr-3464	875	2	dc	GPE
fsr-3464	875	3	the urban institute	ORG
fsr-3464	876	1	campbell	ORG
fsr-3464	876	2	j. y.	PERSON
fsr-3464	876	3	2006	DATE
fsr-3464	878	1	the journal of finance	ORG
fsr-3464	878	2	61	CARDINAL
fsr-3464	878	3	1553–1604	DATE
fsr-3464	879	1	copeland	ORG
fsr-3464	879	2	2009	DATE
fsr-3464	881	1	30(1	CARDINAL
fsr-3464	881	2	1–12	CARDINAL
fsr-3464	882	1	disney	ORG
fsr-3464	882	2	r., & gathergood	ORG
fsr-3464	882	3	j. (	PERSON
fsr-3464	882	4	2012	DATE
fsr-3464	883	1	12/01	CARDINAL
fsr-3464	884	1	nottingham: university of nottingham	ORG
fsr-3464	885	1	fellowes	ORG
fsr-3464	885	2	m., & willemin	ORG
fsr-3464	885	3	k.	PERSON
fsr-3464	885	4	2013	DATE
fsr-3464	886	1	solutions.washington, dc	GPE
fsr-3464	887	1	the federal reserve bank	ORG
fsr-3464	887	2	new york	GPE
fsr-3464	888	1	2017	CARDINAL
fsr-3464	888	2	february 16	DATE
fsr-3464	891	1	2009	DATE
fsr-3464	893	1	washington	GPE
fsr-3464	893	2	dc	GPE
fsr-3464	894	1	http://www.finrafoundation.org/web/groups/foundation/@foundation/documents/foundation/p120536.pdf gerardi	PERSON
fsr-3464	894	2	k.	PERSON
fsr-3464	894	3	s.	PERSON
fsr-3464	894	4	2013	DATE
fsr-3464	896	1	the national academy of sciences	ORG
fsr-3464	896	2	the united states of america	GPE
fsr-3464	896	3	110	CARDINAL
fsr-3464	896	4	11267–11271	CARDINAL
fsr-3464	897	1	hastings	PERSON
fsr-3464	897	2	j. s.	PERSON
fsr-3464	897	3	2008	DATE
fsr-3464	898	1	mexico	GPE
fsr-3464	899	1	cambridge	GPE
fsr-3464	899	2	ma: national bureau of economic research	ORG
fsr-3464	900	1	huston	ORG
fsr-3464	900	2	s. j.	PERSON
fsr-3464	900	3	m. s.	PERSON
fsr-3464	900	4	2012	DATE
fsr-3464	902	1	19	CARDINAL
fsr-3464	902	2	1275–1278	DATE
fsr-3464	903	1	lusardi, a., & mitchell	ORG
fsr-3464	903	2	o. s.	PERSON
fsr-3464	903	3	2007	DATE
fsr-3464	905	1	journal of monetary economics	ORG
fsr-3464	905	2	54	DATE
fsr-3464	905	3	205–224	CARDINAL
fsr-3464	906	1	lusardi	PERSON
fsr-3464	906	2	a., & mitchell	ORG
fsr-3464	906	3	o. s.	PERSON
fsr-3464	906	4	2011	DATE
fsr-3464	908	1	cambridge	GPE
fsr-3464	908	2	ma: national bureau of economic research	ORG
fsr-3464	909	1	t. martin et al	PERSON
fsr-3464	909	2	29	CARDINAL
fsr-3464	909	3	2021	CARDINAL
fsr-3464	909	4	293–314 313	CARDINAL
fsr-3464	909	5	a., & mitchell	ORG
fsr-3464	909	6	o. s.	PERSON
fsr-3464	909	7	2014	DATE
fsr-3464	911	1	52	DATE
fsr-3464	911	2	5–44	CARDINAL
fsr-3464	911	3	lusardi	PERSON
fsr-3464	911	4	a., & scheresberg	ORG
fsr-3464	911	5	c. d. b.	PERSON
fsr-3464	911	6	2013	DATE
fsr-3464	912	1	the united states	GPE
fsr-3464	913	1	cambridge	GPE
fsr-3464	913	2	ma: national bureau of economic research lusardi	ORG
fsr-3464	913	3	a., & tufano	ORG
fsr-3464	913	4	2015	CARDINAL
fsr-3464	915	1	14	CARDINAL
fsr-3464	915	2	332–368	CARDINAL
fsr-3464	916	1	modigliani	ORG
fsr-3464	916	2	f., & brumberg	ORG
fsr-3464	916	3	r.	PERSON
fsr-3464	916	4	1954	DATE
fsr-3464	918	1	k. k. kurihara	PERSON
fsr-3464	918	2	ed	PERSON
fsr-3464	919	1	new brunswick	GPE
fsr-3464	919	2	nj	ORG
fsr-3464	919	3	rutgers university press	ORG
fsr-3464	920	1	munnell	ORG
fsr-3464	920	2	a. h.	PERSON
fsr-3464	920	3	a.	PERSON
fsr-3464	920	4	2015	CARDINAL
fsr-3464	921	1	401	CARDINAL
fsr-3464	922	1	chestnut hill	ORG
fsr-3464	922	2	boston college	ORG
fsr-3464	923	1	tang	PERSON
fsr-3464	923	2	t.	GPE
fsr-3464	923	3	2014	DATE
fsr-3464	925	1	27	CARDINAL
fsr-3464	925	2	utkus	ORG
fsr-3464	925	3	s. p., & young	ORG
fsr-3464	925	4	j. a.	PERSON
fsr-3464	925	5	2011	DATE
fsr-3464	928	1	59–75	CARDINAL
fsr-3464	929	1	new york	GPE
fsr-3464	929	2	ny	GPE
fsr-3464	929	3	oxford university	ORG
fsr-3464	930	1	van rooij	PERSON
fsr-3464	930	2	m.	PERSON
fsr-3464	930	3	a., & alessie	ORG
fsr-3464	930	4	r. (	PERSON
fsr-3464	930	5	2011	DATE
fsr-3464	932	1	journal of financial economics	ORG
fsr-3464	932	2	101	CARDINAL
fsr-3464	932	3	449–472	CARDINAL
fsr-3464	933	1	& hanna	ORG
fsr-3464	933	2	s. d.	PERSON
fsr-3464	933	3	2010	DATE
fsr-3464	935	1	44	DATE
fsr-3464	936	1	314	CARDINAL
fsr-3464	936	2	martin et al	PERSON
fsr-3464	936	3	29	CARDINAL
fsr-3464	936	4	2021	CARDINAL
fsr-3464	936	5	293–314	CARDINAL