id	sid	eid	entity	type
fsr-3483	1	1	congrong ouyanga	PERSON
fsr-3483	1	2	sherman d. hannab	PERSON
fsr-3483	1	3	kansas state university	ORG
fsr-3483	1	4	343	CARDINAL
fsr-3483	1	5	justin hall	ORG
fsr-3483	1	6	1324	CARDINAL
fsr-3483	1	7	manhattan	GPE
fsr-3483	1	8	ks 66506-1401	ORG
fsr-3483	1	9	ohio state university	ORG
fsr-3483	1	10	115a	CARDINAL
fsr-3483	1	11	campbell hall	ORG
fsr-3483	1	12	1787	DATE
fsr-3483	1	13	neil avenue	PERSON
fsr-3483	1	14	columbus	GPE
fsr-3483	1	15	oh 43210	DATE
fsr-3483	1	16	u.s.	GPE
fsr-3483	2	1	over 40%	PERCENT
fsr-3483	2	2	2007	DATE
fsr-3483	2	3	over 40%	PERCENT
fsr-3483	2	4	2013	DATE
fsr-3483	2	5	2016	DATE
fsr-3483	3	1	2016	DATE
fsr-3483	3	2	13%	PERCENT
fsr-3483	3	3	40%	PERCENT
fsr-3483	3	4	over 40%	PERCENT
fsr-3483	5	1	hispanic	NORP
fsr-3483	5	2	asian	NORP
fsr-3483	6	1	hispanic	NORP
fsr-3483	6	2	about 26%	PERCENT
fsr-3483	6	3	asian	NORP
fsr-3483	6	4	16%	PERCENT
fsr-3483	6	5	10%	PERCENT
fsr-3483	8	1	2022	CARDINAL
fsr-3483	10	1	1	CARDINAL
fsr-3483	10	2	many years	DATE
fsr-3483	10	3	785	CARDINAL
fsr-3483	10	4	785	CARDINAL
fsr-3483	11	1	1057-0810/22/$	DATE
fsr-3483	11	2	2022	CARDINAL
fsr-3483	13	1	30	CARDINAL
fsr-3483	13	2	2022	CARDINAL
fsr-3483	14	1	165–177	CARDINAL
fsr-3483	14	2	december 2007	DATE
fsr-3483	14	3	nber	GPE
fsr-3483	14	4	2010	DATE
fsr-3483	16	1	united states	GPE
fsr-3483	16	2	the early 2000s	DATE
fsr-3483	16	3	campbell, 2006	ORG
fsr-3483	16	4	2004	DATE
fsr-3483	16	5	dynan & kohn	ORG
fsr-3483	16	6	2006	DATE
fsr-3483	18	1	andriotis	ORG
fsr-3483	18	2	2019	DATE
fsr-3483	18	3	americans	NORP
fsr-3483	19	1	2	CARDINAL
fsr-3483	19	2	2.1	CARDINAL
fsr-3483	20	1	the 1980s	DATE
fsr-3483	20	2	griffith	ORG
fsr-3483	20	3	1985	DATE
fsr-3483	20	4	johnson & widdows	ORG
fsr-3483	20	5	1985	DATE
fsr-3483	21	1	hanna	PERSON
fsr-3483	21	2	yuh	PERSON
fsr-3483	21	3	chatterjee	GPE
fsr-3483	21	4	2012a	DATE
fsr-3483	21	5	no more than 30%	PERCENT
fsr-3483	22	1	u.s.	GPE
fsr-3483	22	2	no more than 30%	PERCENT
fsr-3483	22	3	mckenna & hills	ORG
fsr-3483	22	4	1982	DATE
fsr-3483	22	5	24	CARDINAL
fsr-3483	23	1	lytton	PERSON
fsr-3483	23	2	garman	PERSON
fsr-3483	23	3	1991	DATE
fsr-3483	23	4	10%	PERCENT
fsr-3483	23	5	16-20%	PERCENT
fsr-3483	24	1	annual	DATE
fsr-3483	24	2	annual	DATE
fsr-3483	24	3	less than 30%	PERCENT
fsr-3483	25	1	hampton	GPE
fsr-3483	25	2	kitt	ORG
fsr-3483	25	3	1996	DATE
fsr-3483	25	4	35%	PERCENT
fsr-3483	25	5	45%	PERCENT
fsr-3483	26	1	devaney	ORG
fsr-3483	26	2	2000	DATE
fsr-3483	26	3	30-35%	PERCENT
fsr-3483	27	1	2.2	CARDINAL
fsr-3483	28	1	one	CARDINAL
fsr-3483	29	1	dynan et al	PERSON
fsr-3483	30	1	2003	DATE
fsr-3483	31	1	dynan	PERSON
fsr-3483	31	2	johnson	PERSON
fsr-3483	31	3	2003	DATE
fsr-3483	31	4	johnson	PERSON
fsr-3483	31	5	2005	DATE
fsr-3483	32	1	hanna et al	ORG
fsr-3483	32	2	2012a	DATE
fsr-3483	32	3	first	ORDINAL
fsr-3483	33	1	1	CARDINAL
fsr-3483	33	2	2007	DATE
fsr-3483	33	3	over 40%	PERCENT
fsr-3483	33	4	166	CARDINAL
fsr-3483	33	5	c. ouyang	PERSON
fsr-3483	33	6	s. d. hanna	PERSON
fsr-3483	33	7	30	CARDINAL
fsr-3483	33	8	2022	CARDINAL
fsr-3483	33	9	165–177	CARDINAL
fsr-3483	33	10	2013	DATE
fsr-3483	33	11	40%	PERCENT
fsr-3483	33	12	1992	DATE
fsr-3483	33	13	2010	DATE
fsr-3483	33	14	2016	DATE
fsr-3483	34	1	2.3	CARDINAL
fsr-3483	34	2	turunen	PERSON
fsr-3483	34	3	2014	DATE
fsr-3483	34	4	33	CARDINAL
fsr-3483	38	1	badger	PERSON
fsr-3483	38	2	bui	ORG
fsr-3483	38	3	2018	DATE
fsr-3483	38	4	millions	CARDINAL
fsr-3483	38	5	the united states	GPE
fsr-3483	39	1	2.4	CARDINAL
fsr-3483	40	1	2002	DATE
fsr-3483	41	1	hanna et al	PERSON
fsr-3483	41	2	2012a	DATE
fsr-3483	44	1	1	CARDINAL
fsr-3483	44	2	over 40%	PERCENT
fsr-3483	44	3	1992-2016	DATE
fsr-3483	46	1	c. ouyang	PERSON
fsr-3483	46	2	s. d. hanna	PERSON
fsr-3483	46	3	30	CARDINAL
fsr-3483	46	4	2022	CARDINAL
fsr-3483	47	1	165–177 167	CARDINAL
fsr-3483	47	2	garman & forgue	ORG
fsr-3483	47	3	2015	DATE
fsr-3483	47	4	lytton	ORG
fsr-3483	47	5	garman, & porter	ORG
fsr-3483	47	6	1991	DATE
fsr-3483	48	1	bae	ORG
fsr-3483	48	2	hanna, & lindamood	ORG
fsr-3483	48	3	1993	DATE
fsr-3483	49	1	2.5	CARDINAL
fsr-3483	51	1	hispanics	NORP
fsr-3483	51	2	asians	NORP
fsr-3483	51	3	the united states	GPE
fsr-3483	51	4	kim	PERSON
fsr-3483	51	5	hanna, & lee	ORG
fsr-3483	51	6	2022	CARDINAL
fsr-3483	51	7	2022	CARDINAL
fsr-3483	52	1	phelps	PERSON
fsr-3483	52	2	1972	DATE
fsr-3483	53	1	2022	CARDINAL
fsr-3483	56	1	munnell et al	ORG
fsr-3483	56	2	1996	DATE
fsr-3483	56	3	baek & cho	ORG
fsr-3483	56	4	2021	DATE
fsr-3483	58	1	the united states	GPE
fsr-3483	60	1	martin & hill	ORG
fsr-3483	60	2	2000	DATE
fsr-3483	61	1	1988	DATE
fsr-3483	61	2	fha	ORG
fsr-3483	61	3	1988	DATE
fsr-3483	61	4	sec	ORG
fsr-3483	61	5	1988	DATE
fsr-3483	62	1	the united states	GPE
fsr-3483	62	2	carpusor & loges	ORG
fsr-3483	62	3	2006	DATE
fsr-3483	62	4	2018	DATE
fsr-3483	62	5	hanson & hawley	ORG
fsr-3483	62	6	2011	DATE
fsr-3483	63	1	carpusor & loges	ORG
fsr-3483	63	2	2006	DATE
fsr-3483	63	3	hanson & hawley	ORG
fsr-3483	63	4	2011	DATE
fsr-3483	64	1	carpusor	PERSON
fsr-3483	64	2	2006	DATE
fsr-3483	64	3	los angeles	GPE
fsr-3483	64	4	african american	NORP
fsr-3483	64	5	muslim	NORP
fsr-3483	65	1	tomlin	PERSON
fsr-3483	65	2	wang	PERSON
fsr-3483	65	3	2014	DATE
fsr-3483	65	4	2006	DATE
fsr-3483	66	1	african american	NORP
fsr-3483	66	2	nine	CARDINAL
fsr-3483	67	1	hanson	PERSON
fsr-3483	67	2	hawley	ORG
fsr-3483	67	3	2011	DATE
fsr-3483	67	4	10	CARDINAL
fsr-3483	69	1	african	NORP
fsr-3483	70	1	african american	NORP
fsr-3483	70	2	168	CARDINAL
fsr-3483	70	3	c. ouyang	PERSON
fsr-3483	70	4	s. d. hanna	PERSON
fsr-3483	70	5	30	CARDINAL
fsr-3483	70	6	2022	CARDINAL
fsr-3483	74	1	2.6.	CARDINAL
fsr-3483	76	1	dynan et al	PERSON
fsr-3483	77	1	2003	DATE
fsr-3483	77	2	johnson	PERSON
fsr-3483	77	3	2005	DATE
fsr-3483	78	1	hanna	ORG
fsr-3483	78	2	yuh	PERSON
fsr-3483	78	3	chatterjee	GPE
fsr-3483	78	4	2012b	DATE
fsr-3483	78	5	over 40%	PERCENT
fsr-3483	79	1	hanna et al	PERSON
fsr-3483	79	2	2012a	DATE
fsr-3483	79	3	2012b	DATE
fsr-3483	81	1	the united states	GPE
fsr-3483	81	2	the past two decades	DATE
fsr-3483	81	3	2012	DATE
fsr-3483	81	4	stevenson &	ORG
fsr-3483	81	5	2007	DATE
fsr-3483	81	6	kennedy	PERSON
fsr-3483	81	7	ruggles	PERSON
fsr-3483	81	8	2014	DATE
fsr-3483	81	9	almost 50%	PERCENT
fsr-3483	81	10	their late 50s	DATE
fsr-3483	82	1	only 6%	PERCENT
fsr-3483	83	1	2012a	DATE
fsr-3483	83	2	2012b	DATE
fsr-3483	84	1	hanna et al	PERSON
fsr-3483	84	2	2012b	TIME
fsr-3483	85	1	2012a	DATE
fsr-3483	85	2	2012b	DATE
fsr-3483	86	1	2016	CARDINAL
fsr-3483	86	2	first	ORDINAL
fsr-3483	86	3	hanna et al	ORG
fsr-3483	86	4	2012a	DATE
fsr-3483	86	5	2012b	DATE
fsr-3483	88	1	3	CARDINAL
fsr-3483	88	2	3.1	CARDINAL
fsr-3483	88	3	3.1.1	CARDINAL
fsr-3483	89	1	deaton 2005	GPE
fsr-3483	89	2	modigliani & brumberg	ORG
fsr-3483	89	3	1954	DATE
fsr-3483	90	1	c. ouyang	PERSON
fsr-3483	90	2	s. d. hanna	PERSON
fsr-3483	90	3	30	CARDINAL
fsr-3483	90	4	2022	CARDINAL
fsr-3483	91	1	165–177 169	CARDINAL
fsr-3483	92	1	yuh & hanna	ORG
fsr-3483	92	2	2010	DATE
fsr-3483	93	1	2001	DATE
fsr-3483	93	2	1996	DATE
fsr-3483	94	1	yuh & hanna	ORG
fsr-3483	94	2	2010	DATE
fsr-3483	96	1	chen & finke,	ORG
fsr-3483	96	2	1996	DATE
fsr-3483	97	1	1995	DATE
fsr-3483	98	1	yuh & hanna	ORG
fsr-3483	98	2	2010	DATE
fsr-3483	100	1	1996	DATE
fsr-3483	101	1	hubbard	PERSON
fsr-3483	101	2	1995	DATE
fsr-3483	104	1	xiao	PERSON
fsr-3483	104	2	ford	ORG
fsr-3483	104	3	kim	PERSON
fsr-3483	104	4	2011	DATE
fsr-3483	106	1	4	CARDINAL
fsr-3483	106	2	4.1	CARDINAL
fsr-3483	107	1	2016	CARDINAL
fsr-3483	108	1	u.s.	GPE
fsr-3483	108	2	170	CARDINAL
fsr-3483	108	3	c. ouyang	PERSON
fsr-3483	108	4	s. d. hanna	PERSON
fsr-3483	108	5	30	CARDINAL
fsr-3483	108	6	2022	CARDINAL
fsr-3483	108	7	165–177	CARDINAL
fsr-3483	108	8	the u.s. department of the treasury	ORG
fsr-3483	108	9	bricker et al.	PERSON
fsr-3483	108	10	2017	DATE
fsr-3483	109	1	hanna	PERSON
fsr-3483	109	2	kim	PERSON
fsr-3483	109	3	2018	DATE
fsr-3483	110	1	4.2	CARDINAL
fsr-3483	112	1	1	CARDINAL
fsr-3483	112	2	2016	CARDINAL
fsr-3483	113	1	418%	PERCENT
fsr-3483	113	2	266,872%	PERCENT
fsr-3483	114	1	fig	ORG
fsr-3483	115	1	2	CARDINAL
fsr-3483	117	1	2012a	DATE
fsr-3483	117	2	2012b	DATE
fsr-3483	119	1	hanna et al	ORG
fsr-3483	119	2	2012a	DATE
fsr-3483	119	3	monthly	DATE
fsr-3483	119	4	monthly	DATE
fsr-3483	120	1	monthly	DATE
fsr-3483	121	1	2012a	DATE
fsr-3483	121	2	monthly	DATE
fsr-3483	121	3	2.5%	PERCENT
fsr-3483	123	1	3	CARDINAL
fsr-3483	124	1	70%	PERCENT
fsr-3483	125	1	1	CARDINAL
fsr-3483	125	2	2016	CARDINAL
fsr-3483	125	3	418%	PERCENT
fsr-3483	125	4	266,872%	PERCENT
fsr-3483	125	5	99th	ORDINAL
fsr-3483	125	6	240%	PERCENT
fsr-3483	125	7	95th	ORDINAL
fsr-3483	125	8	104%	PERCENT
fsr-3483	125	9	90th	ORDINAL
fsr-3483	125	10	77%	PERCENT
fsr-3483	125	11	75th	ORDINAL
fsr-3483	125	12	52%	PERCENT
fsr-3483	125	13	34%	PERCENT
fsr-3483	125	14	25th	ORDINAL
fsr-3483	125	15	23%	PERCENT
fsr-3483	125	16	10th	ORDINAL
fsr-3483	125	17	15%	PERCENT
fsr-3483	125	18	5th	ORDINAL
fsr-3483	125	19	10%	PERCENT
fsr-3483	125	20	1st	ORDINAL
fsr-3483	125	21	0%	PERCENT
fsr-3483	125	22	0%	PERCENT
fsr-3483	125	23	40%	PERCENT
fsr-3483	125	24	40%	PERCENT
fsr-3483	125	25	36%	PERCENT
fsr-3483	125	26	2,072	CARDINAL
fsr-3483	128	1	c. ouyang	PERSON
fsr-3483	128	2	s. d. hanna	PERSON
fsr-3483	128	3	30	CARDINAL
fsr-3483	128	4	2022	CARDINAL
fsr-3483	129	1	165–177	CARDINAL
fsr-3483	129	2	4.3	CARDINAL
fsr-3483	130	1	hanna et al	PERSON
fsr-3483	130	2	2012a	DATE
fsr-3483	130	3	2012b	DATE
fsr-3483	132	1	2	CARDINAL
fsr-3483	133	1	2016	CARDINAL
fsr-3483	134	1	fig	ORG
fsr-3483	135	1	3	CARDINAL
fsr-3483	136	1	2016	CARDINAL
fsr-3483	137	1	172	CARDINAL
fsr-3483	137	2	c. ouyang	PERSON
fsr-3483	137	3	s. d. hanna	PERSON
fsr-3483	137	4	30	CARDINAL
fsr-3483	137	5	2022	CARDINAL
fsr-3483	137	6	165–177	CARDINAL
fsr-3483	138	1	hanna et al.	PERSON
fsr-3483	138	2	u.s.	GPE
fsr-3483	139	1	one	CARDINAL
fsr-3483	139	2	0	CARDINAL
fsr-3483	139	3	3	CARDINAL
fsr-3483	140	1	zero	CARDINAL
fsr-3483	141	1	4.4	CARDINAL
fsr-3483	142	1	over 40%	PERCENT
fsr-3483	145	1	5	CARDINAL
fsr-3483	145	2	5.1	CARDINAL
fsr-3483	147	1	2	CARDINAL
fsr-3483	148	1	31%	PERCENT
fsr-3483	148	2	almost 39%	PERCENT
fsr-3483	148	3	hispanic	NORP
fsr-3483	149	1	28%	PERCENT
fsr-3483	149	2	41%	PERCENT
fsr-3483	150	1	three	CARDINAL
fsr-3483	150	2	31%	PERCENT
fsr-3483	150	3	40%	PERCENT
fsr-3483	152	1	2	CARDINAL
fsr-3483	152	2	2016	CARDINAL
fsr-3483	152	3	52.62 31.39	CARDINAL
fsr-3483	152	4	24.43 36.65	CARDINAL
fsr-3483	152	5	hispanic	NORP
fsr-3483	152	6	17.07	CARDINAL
fsr-3483	152	7	5.88 36.18	CARDINAL
fsr-3483	154	1	2016	CARDINAL
fsr-3483	155	1	c. ouyang	PERSON
fsr-3483	155	2	s. d. hanna	PERSON
fsr-3483	155	3	30	CARDINAL
fsr-3483	155	4	2022	CARDINAL
fsr-3483	156	1	165–177	CARDINAL
fsr-3483	157	1	ols	ORG
fsr-3483	157	2	3	CARDINAL
fsr-3483	159	1	three	CARDINAL
fsr-3483	159	2	10	CARDINAL
fsr-3483	159	3	26	CARDINAL
fsr-3483	159	4	hispanic	NORP
fsr-3483	159	5	3	CARDINAL
fsr-3483	159	6	2016	CARDINAL
fsr-3483	159	7	0.0994 0.0285 0.0449	MONEY
fsr-3483	159	8	0.2283 0.0000 0.0518 asian	MONEY
fsr-3483	159	9	0.0751	MONEY
fsr-3483	159	10	0.4826 0.0000	MONEY
fsr-3483	159	11	0.0149	MONEY
fsr-3483	159	12	0.6372	MONEY
fsr-3483	159	13	0–3	CARDINAL
fsr-3483	160	1	0.0010 0.9621 0.0205	MONEY
fsr-3483	160	2	0.1460 0.0012 0.0439	MONEY
fsr-3483	160	3	0.4297 0.0000 0.0732	CARDINAL
fsr-3483	160	4	18	CARDINAL
fsr-3483	160	5	0–10	CARDINAL
fsr-3483	160	6	0.0012 0.8569	MONEY
fsr-3483	160	7	0.0533 0.4059	MONEY
fsr-3483	160	8	0.0635	MONEY
fsr-3483	160	9	0.0616	MONEY
fsr-3483	160	10	0.0439 0.2768	PERSON
fsr-3483	160	11	0.0402	MONEY
fsr-3483	160	12	0.0326 0.4784	MONEY
fsr-3483	160	13	0.0455	MONEY
fsr-3483	160	14	0.0470	MONEY
fsr-3483	160	15	0.2730 0.0003 0.0738	MONEY
fsr-3483	160	16	0.2102 0.0004	MONEY
fsr-3483	160	17	0.0584	MONEY
fsr-3483	160	18	0.1030 0.0532	MONEY
fsr-3483	160	19	0.0526	MONEY
fsr-3483	160	20	0.0754 0.0687	MONEY
fsr-3483	160	21	0.0404	MONEY
fsr-3483	160	22	0.0334 0.5569	MONEY
fsr-3483	160	23	0.0403 0.4604 0.0538	MONEY
fsr-3483	160	24	normal year	DATE
fsr-3483	160	25	0.1160 0.0118 0.0456	MONEY
fsr-3483	160	26	3.8216	CARDINAL
fsr-3483	163	1	ols	ORG
fsr-3483	164	1	2016	CARDINAL
fsr-3483	166	1	174	CARDINAL
fsr-3483	166	2	c. ouyang	PERSON
fsr-3483	166	3	s. d. hanna	PERSON
fsr-3483	166	4	30	CARDINAL
fsr-3483	166	5	2022	CARDINAL
fsr-3483	166	6	165–177	DATE
fsr-3483	166	7	16	CARDINAL
fsr-3483	166	8	asian	NORP
fsr-3483	166	9	4	CARDINAL
fsr-3483	169	1	two	CARDINAL
fsr-3483	169	2	0.08	CARDINAL
fsr-3483	172	1	three	CARDINAL
fsr-3483	174	1	6	CARDINAL
fsr-3483	174	2	hispanic	NORP
fsr-3483	174	3	asian	NORP
fsr-3483	176	1	70%	PERCENT
fsr-3483	179	1	hispanic	NORP
fsr-3483	179	2	asian	NORP
fsr-3483	179	3	3	CARDINAL
fsr-3483	179	4	first	ORDINAL
fsr-3483	179	5	two	CARDINAL
fsr-3483	180	1	2012a	DATE
fsr-3483	183	1	4	CARDINAL
fsr-3483	183	2	black 10.45%	PERCENT
fsr-3483	183	3	hispanic	NORP
fsr-3483	183	4	25.65%	PERCENT
fsr-3483	183	5	asian	NORP
fsr-3483	183	6	16.33%	PERCENT
fsr-3483	183	7	3	CARDINAL
fsr-3483	184	1	c. ouyang	PERSON
fsr-3483	184	2	s. d. hanna	PERSON
fsr-3483	184	3	30	CARDINAL
fsr-3483	184	4	2022	CARDINAL
fsr-3483	184	5	165–177 175	CARDINAL
fsr-3483	184	6	andriotis, a.	ORG
fsr-3483	184	7	brown	PERSON
fsr-3483	184	8	s.	PERSON
fsr-3483	184	9	2019, august 1	DATE
fsr-3483	186	1	wall street journal	ORG
fsr-3483	187	1	badger, e., & bui	ORG
fsr-3483	187	2	q.	PERSON
fsr-3483	187	3	2018	DATE
fsr-3483	187	4	april 8)	DATE
fsr-3483	188	1	83 million	CARDINAL
fsr-3483	188	2	america	GPE
fsr-3483	189	1	new york	GPE
fsr-3483	190	1	bae	ORG
fsr-3483	190	2	m.	GPE
fsr-3483	190	3	hanna	GPE
fsr-3483	190	4	s., & lindamood	ORG
fsr-3483	190	5	s.	PERSON
fsr-3483	190	6	1993	DATE
fsr-3483	191	1	u.s.	GPE
fsr-3483	192	1	4	CARDINAL
fsr-3483	192	2	11–30	CARDINAL
fsr-3483	193	1	h. y.,	PERSON
fsr-3483	193	2	d. d.	NORP
fsr-3483	193	3	2021	CARDINAL
fsr-3483	195	1	28(4	CARDINAL
fsr-3483	195	2	260–263	CARDINAL
fsr-3483	196	1	https://doi.org/10.1080/13504851.2020.1751047 bricker	PERSON
fsr-3483	196	2	j.	PERSON
fsr-3483	196	3	l. j.	PERSON
fsr-3483	196	4	hsu	PERSON
fsr-3483	196	5	j. w.	PERSON
fsr-3483	196	6	jacobs	PERSON
fsr-3483	196	7	l.	PERSON
fsr-3483	196	8	moore	PERSON
fsr-3483	196	9	k. b.	PERSON
fsr-3483	198	1	&windle	GPE
fsr-3483	198	2	r. a.	PERSON
fsr-3483	198	3	2017	CARDINAL
fsr-3483	199	1	2013	DATE
fsr-3483	199	2	2016	CARDINAL
fsr-3483	200	1	federal reserve bulletin	ORG
fsr-3483	200	2	103	CARDINAL
fsr-3483	200	3	1–42	DATE
fsr-3483	201	1	m., & crossley	ORG
fsr-3483	201	2	t. f. (	PERSON
fsr-3483	201	3	2001	DATE
fsr-3483	203	1	15	CARDINAL
fsr-3483	204	1	m., & lusardi	ORG
fsr-3483	204	2	a. (1996	ORG
fsr-3483	206	1	34	CARDINAL
fsr-3483	206	2	1797–1855	DATE
fsr-3483	207	1	campbell	ORG
fsr-3483	207	2	j. y.	PERSON
fsr-3483	207	3	2006	DATE
fsr-3483	209	1	the journal of finance	ORG
fsr-3483	209	2	61	CARDINAL
fsr-3483	209	3	1553–1604	DATE
fsr-3483	210	1	https://doi.org/0.1111/ j.1540-6261.2006.00883.x	ORG
fsr-3483	210	2	g. g.	PERSON
fsr-3483	210	3	c. a.	PERSON
fsr-3483	210	4	1991	DATE
fsr-3483	212	1	federal reserve bulletin	ORG
fsr-3483	213	1	april:	DATE
fsr-3483	214	1	19–30	CARDINAL
fsr-3483	214	2	https://fraser.stlouisfed.org/title/federal-reserve-bulletin-62/april-1991-20827/payment-householddebts-113310 carpusor	PERSON
fsr-3483	214	3	g. a.	PERSON
fsr-3483	214	4	e. w.	PERSON
fsr-3483	214	5	2006	DATE
fsr-3483	216	1	36	CARDINAL
fsr-3483	216	2	934–952	CARDINAL
fsr-3483	217	1	https://doi.org/10.1111/j.0021-9029.2006.00050.x chen	PERSON
fsr-3483	217	2	m. (1996	ORG
fsr-3483	219	1	7, 87–96	DATE
fsr-3483	220	1	deaton	PERSON
fsr-3483	220	2	2005	DATE
fsr-3483	221	1	franco modigliani	PERSON
fsr-3483	222	1	686475	DATE
fsr-3483	223	1	debelle	PERSON
fsr-3483	223	2	2004	DATE
fsr-3483	225	1	ssrn	PERSON
fsr-3483	225	2	https://ssrn.com/abstract=786385 devaney	PERSON
fsr-3483	225	3	s. a.	PERSON
fsr-3483	225	4	2000	DATE
fsr-3483	229	1	j., & brunsonb	ORG
fsr-3483	231	1	147–161	CARDINAL
fsr-3483	232	1	houston	GPE
fsr-3483	232	2	tx	ORG
fsr-3483	232	3	thompson international learning	ORG
fsr-3483	233	1	dynan	PERSON
fsr-3483	233	2	k.	PERSON
fsr-3483	233	3	johnson	PERSON
fsr-3483	233	4	k., & pence	ORG
fsr-3483	233	5	k, & the board of governors of	ORG
fsr-3483	234	1	2003	DATE
fsr-3483	235	1	u.s.	GPE
fsr-3483	236	1	federal reserve bulletin	ORG
fsr-3483	236	2	89	DATE
fsr-3483	236	3	417–426	CARDINAL
fsr-3483	237	1	10.17016	CARDINAL
fsr-3483	237	2	10	CARDINAL
fsr-3483	237	3	k., & kohn	ORG
fsr-3483	237	4	l. d.	PERSON
fsr-3483	237	5	2006	DATE
fsr-3483	238	1	u.s.	GPE
fsr-3483	239	1	2007-37	DATE
fsr-3483	239	2	tomlin	PERSON
fsr-3483	239	3	b., & wang	ORG
fsr-3483	239	4	l. c.	PERSON
fsr-3483	239	5	2014	DATE
fsr-3483	242	1	96	CARDINAL
fsr-3483	242	2	119–134	DATE
fsr-3483	242	3	1988	DATE
fsr-3483	242	4	sec	ORG
fsr-3483	243	1	42 u.s.c	CARDINAL
fsr-3483	244	1	3601	CARDINAL
fsr-3483	245	1	https://www.justice.gov/crt/fair-housing-act-2 flage	GPE
fsr-3483	245	2	a.	PERSON
fsr-3483	245	3	2018	DATE
fsr-3483	246	1	2006-2017	DATE
fsr-3483	247	1	journal of housing economics	ORG
fsr-3483	247	2	41	CARDINAL
fsr-3483	247	3	251–273	CARDINAL
fsr-3483	249	1	jhe.2018.07.003 garman	PERSON
fsr-3483	249	2	t. e., & forgue	ORG
fsr-3483	249	3	r. e.	PERSON
fsr-3483	249	4	2015	CARDINAL
fsr-3483	250	1	12th	ORDINAL
fsr-3483	251	1	boston	GPE
fsr-3483	251	2	ma: houghton mifflin company	ORG
fsr-3483	252	1	greenwood	PERSON
fsr-3483	252	2	l. j.	PERSON
fsr-3483	252	3	2012	DATE
fsr-3483	254	1	journal of divorce & remarriage	ORG
fsr-3483	254	2	53	CARDINAL
fsr-3483	254	3	1–17	CARDINAL
fsr-3483	255	1	s. a.	PERSON
fsr-3483	255	2	hampton	GPE
fsr-3483	255	3	v. l.	PERSON
fsr-3483	255	4	kitt	PERSON
fsr-3483	255	5	k. k.	PERSON
fsr-3483	255	6	j. a. (	PERSON
fsr-3483	255	7	1996	DATE
fsr-3483	257	1	5	CARDINAL
fsr-3483	257	2	57–70	DATE
fsr-3483	258	1	10.1016	CARDINAL
fsr-3483	258	2	r.	PERSON
fsr-3483	258	3	1985	DATE
fsr-3483	260	1	g. langrehr	GPE
fsr-3483	260	2	third	ORDINAL
fsr-3483	260	3	annual	DATE
fsr-3483	261	1	3	CARDINAL
fsr-3483	262	1	123	CARDINAL
fsr-3483	262	2	131	CARDINAL
fsr-3483	263	1	afcpe ames	PERSON
fsr-3483	263	2	ia	GPE
fsr-3483	263	3	176	CARDINAL
fsr-3483	263	4	c. ouyang	PERSON
fsr-3483	263	5	s. d. hanna	PERSON
fsr-3483	263	6	30	CARDINAL
fsr-3483	263	7	2022	CARDINAL
fsr-3483	263	8	165–177	CARDINAL
fsr-3483	263	9	s. d.	PERSON
fsr-3483	263	10	j. x.	PERSON
fsr-3483	263	11	& chang	PERSON
fsr-3483	263	12	1995	DATE
fsr-3483	265	1	6	CARDINAL
fsr-3483	265	2	1–15	CARDINAL
fsr-3483	265	3	hanna	ORG
fsr-3483	265	4	s. d.	PERSON
fsr-3483	265	5	kim	PERSON
fsr-3483	265	6	k. t.	PERSON
fsr-3483	265	7	s. (2018	ORG
fsr-3483	267	1	29	CARDINAL
fsr-3483	267	2	410–418	CARDINAL
fsr-3483	268	1	https://doi.org/10.1891/1052-3073.29.2.410 hanna	ORG
fsr-3483	268	2	s. d.	PERSON
fsr-3483	268	3	s.	GPE
fsr-3483	268	4	2012a	DATE
fsr-3483	269	1	u.s.	GPE
fsr-3483	270	1	36	CARDINAL
fsr-3483	270	2	588–594	CARDINAL
fsr-3483	271	1	s. d.	PERSON
fsr-3483	271	2	s.	PERSON
fsr-3483	271	3	2012b	TIME
fsr-3483	272	1	annual	DATE
fsr-3483	273	1	hanson	ORG
fsr-3483	273	2	a., & hawley	ORG
fsr-3483	273	3	z.	PERSON
fsr-3483	273	4	2011	DATE
fsr-3483	275	1	u.s.	GPE
fsr-3483	276	1	journal of urban economics	ORG
fsr-3483	276	2	70	DATE
fsr-3483	276	3	99–114	CARDINAL
fsr-3483	278	1	jue.2011.02.003 hubbard	PERSON
fsr-3483	278	2	r. g.	PERSON
fsr-3483	278	3	skinner	PERSON
fsr-3483	278	4	j., & zeldes	ORG
fsr-3483	278	5	1995	DATE
fsr-3483	280	1	103	CARDINAL
fsr-3483	280	2	360–399	DATE
fsr-3483	281	1	johnson	PERSON
fsr-3483	281	2	k. w.	PERSON
fsr-3483	282	1	2005	DATE
fsr-3483	284	1	federal reserve bulletin	ORG
fsr-3483	284	2	91	CARDINAL
fsr-3483	284	3	473–486	CARDINAL
fsr-3483	285	1	10.17016	CARDINAL
fsr-3483	285	2	johnson	PERSON
fsr-3483	285	3	d., & widdows	ORG
fsr-3483	285	4	r.	PERSON
fsr-3483	285	5	1985	DATE
fsr-3483	287	1	k. schnittgrund	PERSON
fsr-3483	287	2	ed	PERSON
fsr-3483	287	3	annual	DATE
fsr-3483	287	4	the american council	ORG
fsr-3483	288	1	235–241	CARDINAL
fsr-3483	289	1	columbia	GPE
fsr-3483	289	2	mo	GPE
fsr-3483	289	3	american council	ORG
fsr-3483	289	4	kennedy	GPE
fsr-3483	289	5	s., & ruggles	ORG
fsr-3483	289	6	s.	PERSON
fsr-3483	289	7	2014	DATE
fsr-3483	290	1	the united states	GPE
fsr-3483	290	2	19802010	DATE
fsr-3483	291	1	51	CARDINAL
fsr-3483	291	2	587–598	CARDINAL
fsr-3483	292	1	kim	PERSON
fsr-3483	292	2	k. t.	PERSON
fsr-3483	292	3	hanna	ORG
fsr-3483	292	4	s. d.	PERSON
fsr-3483	292	5	& lee	PERSON
fsr-3483	292	6	j.	PERSON
fsr-3483	292	7	2022	CARDINAL
fsr-3483	293	1	2019	DATE
fsr-3483	293	2	hispanics	NORP
fsr-3483	294	1	29	CARDINAL
fsr-3483	294	2	1313–1318	DATE
fsr-3483	295	1	lytton	PERSON
fsr-3483	295	2	h. r.	PERSON
fsr-3483	295	3	garman	PERSON
fsr-3483	295	4	t. e., & porter	ORG
fsr-3483	295	5	1991	DATE
fsr-3483	297	1	2	CARDINAL
fsr-3483	297	2	2–23	CARDINAL
fsr-3483	298	1	martin	PERSON
fsr-3483	298	2	r., & hill	ORG
fsr-3483	298	3	2000	DATE
fsr-3483	300	1	38(1	CARDINAL
fsr-3483	300	2	136–150	CARDINAL
fsr-3483	300	3	10.1111	CARDINAL
fsr-3483	300	4	w. f., & hills	PERSON
fsr-3483	300	5	c. a.	PERSON
fsr-3483	300	6	1982	DATE
fsr-3483	303	1	modigliani	PERSON
fsr-3483	303	2	f., & brumberg	ORG
fsr-3483	303	3	r.	PERSON
fsr-3483	303	4	1954	DATE
fsr-3483	305	1	k. kurihara	PERSON
fsr-3483	305	2	post keynesian economics	ORG
fsr-3483	306	1	388–446	CARDINAL
fsr-3483	307	1	new brunswick	GPE
fsr-3483	307	2	nj	ORG
fsr-3483	307	3	rutgers university press moon	ORG
fsr-3483	307	4	s. j.	PERSON
fsr-3483	307	5	& hanna	ORG
fsr-3483	307	6	s. d.	PERSON
fsr-3483	307	7	2002	DATE
fsr-3483	308	1	korean	NORP
fsr-3483	309	1	consumer sciences research journal	ORG
fsr-3483	309	2	30	CARDINAL
fsr-3483	309	3	496–525	DATE
fsr-3483	310	1	munnell, a.	ORG
fsr-3483	310	2	browne	PERSON
fsr-3483	310	3	l.	GPE
fsr-3483	310	4	mceneaney	GPE
fsr-3483	310	5	j., & tootell	ORG
fsr-3483	310	6	1996	DATE
fsr-3483	311	1	boston	GPE
fsr-3483	312	1	american	NORP
fsr-3483	312	2	25–53	CARDINAL
fsr-3483	313	1	nber	GPE
fsr-3483	314	1	2010	DATE
fsr-3483	315	1	national bureau of economic research	ORG
fsr-3483	316	1	national bureau of economic research	ORG
fsr-3483	316	2	december 2007	DATE
fsr-3483	317	1	park	PERSON
fsr-3483	317	2	k. a.	PERSON
fsr-3483	317	3	2022	CARDINAL
fsr-3483	319	1	u.s. department of housing and urban development	ORG
fsr-3483	320	1	phelps	PERSON
fsr-3483	320	2	e. s.	PERSON
fsr-3483	320	3	1972	DATE
fsr-3483	322	1	american	NORP
fsr-3483	322	2	62(4	CARDINAL
fsr-3483	322	3	659–61	DATE
fsr-3483	323	1	stevenson	PERSON
fsr-3483	323	2	j. (	GPE
fsr-3483	323	3	2007	DATE
fsr-3483	325	1	21	CARDINAL
fsr-3483	325	2	27–52	CARDINAL
fsr-3483	326	1	https://doi.org/10.1257/jep.21.2.27 turunen	PERSON
fsr-3483	326	2	e., & hiilamo	ORG
fsr-3483	326	3	2014	DATE
fsr-3483	328	1	bmc public health	ORG
fsr-3483	328	2	14	DATE
fsr-3483	328	3	489	CARDINAL
fsr-3483	329	1	xiao	PERSON
fsr-3483	329	2	j. j.	PERSON
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fsr-3483	329	4	w. m., & kim	PERSON
fsr-3483	329	5	j.	PERSON
fsr-3483	329	6	2011	DATE
fsr-3483	331	1	consumer sciences research journal	ORG
fsr-3483	331	2	39	CARDINAL
fsr-3483	331	3	399–414	DATE
fsr-3483	332	1	https://doi.org/10.1111/	CARDINAL
fsr-3483	332	2	& hanna	ORG
fsr-3483	332	3	s. d.	PERSON
fsr-3483	332	4	2010	DATE
fsr-3483	334	1	44	DATE
fsr-3483	335	1	c. ouyang	PERSON
fsr-3483	335	2	s. d. hanna	PERSON
fsr-3483	335	3	30	CARDINAL
fsr-3483	335	4	2022	CARDINAL
fsr-3483	336	1	165–177 177	CARDINAL