id	sid	eid	entity	type
fsr-3530	1	1	kyoung tae kima	PERSON
fsr-3530	1	2	sherman d. hannab	PERSON
fsr-3530	1	3	t. leec adepartment	PERSON
fsr-3530	1	4	university of alabama	ORG
fsr-3530	1	5	316	CARDINAL
fsr-3530	1	6	adams hall	ORG
fsr-3530	1	7	870158	DATE
fsr-3530	1	8	tuscaloosa	GPE
fsr-3530	1	9	usa bdepartment	PERSON
fsr-3530	1	10	the ohio state university	ORG
fsr-3530	1	11	1787	DATE
fsr-3530	1	12	neil ave	PERSON
fsr-3530	1	13	columbus	GPE
fsr-3530	1	14	oh 43210	DATE
fsr-3530	1	15	york university	ORG
fsr-3530	1	16	atkinson building	PERSON
fsr-3530	1	17	252	CARDINAL
fsr-3530	1	18	4700	CARDINAL
fsr-3530	1	19	toronto	GPE
fsr-3530	1	20	m3j1p3	GPE
fsr-3530	1	21	canada	GPE
fsr-3530	2	1	2018	DATE
fsr-3530	2	2	about 13%	PERCENT
fsr-3530	4	1	three	CARDINAL
fsr-3530	6	1	2023	CARDINAL
fsr-3530	8	1	jel	ORG
fsr-3530	8	2	g53	ORG
fsr-3530	8	3	1	CARDINAL
fsr-3530	9	1	2008	DATE
fsr-3530	9	2	nakamoto	PERSON
fsr-3530	9	3	2008	DATE
fsr-3530	10	1	nearly 8,600	CARDINAL
fsr-3530	10	2	us$1.48 trillion	MONEY
fsr-3530	10	3	march 2, 2020	DATE
fsr-3530	10	4	205	CARDINAL
fsr-3530	10	5	205	CARDINAL
fsr-3530	11	1	1057-0810/23/$	DATE
fsr-3530	11	2	2023	CARDINAL
fsr-3530	13	1	31	CARDINAL
fsr-3530	13	2	2023	CARDINAL
fsr-3530	13	3	121–132	CARDINAL
fsr-3530	13	4	2020	DATE
fsr-3530	14	1	zhao	PERSON
fsr-3530	14	2	2021	DATE
fsr-3530	15	1	one	CARDINAL
fsr-3530	15	2	2021	DATE
fsr-3530	17	1	one	CARDINAL
fsr-3530	18	1	2018	DATE
fsr-3530	18	2	2018	DATE
fsr-3530	18	3	finra investor education foundation	ORG
fsr-3530	22	1	three	CARDINAL
fsr-3530	22	2	1	CARDINAL
fsr-3530	22	3	2	CARDINAL
fsr-3530	22	4	3	CARDINAL
fsr-3530	23	1	three	CARDINAL
fsr-3530	25	1	two	CARDINAL
fsr-3530	26	1	one	CARDINAL
fsr-3530	26	2	first	ORDINAL
fsr-3530	27	1	lusardi & mitchell	ORG
fsr-3530	27	2	2014	DATE
fsr-3530	29	1	2	CARDINAL
fsr-3530	29	2	2.1	CARDINAL
fsr-3530	31	1	2018	DATE
fsr-3530	31	2	2021	CARDINAL
fsr-3530	33	1	chuen et al	PERSON
fsr-3530	34	1	2017	CARDINAL
fsr-3530	34	2	122	CARDINAL
fsr-3530	34	3	k. t. kim et al	PERSON
fsr-3530	34	4	31	CARDINAL
fsr-3530	34	5	2023	CARDINAL
fsr-3530	34	6	121–132	CARDINAL
fsr-3530	34	7	one	CARDINAL
fsr-3530	35	1	liang et al.	PERSON
fsr-3530	35	2	2019	DATE
fsr-3530	37	1	2022	CARDINAL
fsr-3530	37	2	hasso et al.	ORG
fsr-3530	37	3	2019	DATE
fsr-3530	37	4	henry et al.	PERSON
fsr-3530	37	5	2018	DATE
fsr-3530	39	1	2019	DATE
fsr-3530	39	2	bharadwaj & deka	ORG
fsr-3530	39	3	2021	DATE
fsr-3530	40	1	one	CARDINAL
fsr-3530	40	2	2016	DATE
fsr-3530	40	3	bouri et al.	PERSON
fsr-3530	40	4	2019	DATE
fsr-3530	40	5	da gama silva et al.	PERSON
fsr-3530	40	6	2019	DATE
fsr-3530	43	1	2.2	CARDINAL
fsr-3530	43	2	2008	DATE
fsr-3530	44	1	simon	PERSON
fsr-3530	44	2	2000	DATE
fsr-3530	45	1	ibrahim	PERSON
fsr-3530	45	2	2009	DATE
fsr-3530	46	1	2017	DATE
fsr-3530	48	1	siriopoulos	ORG
fsr-3530	48	2	2021	DATE
fsr-3530	49	1	kimball & shumway	ORG
fsr-3530	49	2	2006	DATE
fsr-3530	49	3	van rooij et al.	PERSON
fsr-3530	49	4	2011	DATE
fsr-3530	49	5	2008	DATE
fsr-3530	49	6	guiso & jappelli, 2008	ORG
fsr-3530	49	7	2020	DATE
fsr-3530	49	8	lusardi & mitchell	ORG
fsr-3530	49	9	2007	DATE
fsr-3530	50	1	2019	DATE
fsr-3530	50	2	zhao & zhang	ORG
fsr-3530	50	3	2021	DATE
fsr-3530	51	1	k. t. kim et al	PERSON
fsr-3530	51	2	31	CARDINAL
fsr-3530	51	3	2023	CARDINAL
fsr-3530	51	4	121–132 123	DATE
fsr-3530	51	5	kim et al.	PERSON
fsr-3530	51	6	2020	DATE
fsr-3530	51	7	robb et al.	PERSON
fsr-3530	51	8	2015	DATE
fsr-3530	52	1	zhao & zhang	ORG
fsr-3530	52	2	2021	DATE
fsr-3530	52	3	2020	DATE
fsr-3530	52	4	2019	DATE
fsr-3530	53	1	two	CARDINAL
fsr-3530	54	1	1	CARDINAL
fsr-3530	55	1	2	CARDINAL
fsr-3530	58	1	1	CARDINAL
fsr-3530	58	2	2	CARDINAL
fsr-3530	58	3	robb et al	PERSON
fsr-3530	58	4	2015	DATE
fsr-3530	58	5	xia et al.	PERSON
fsr-3530	58	6	2014	DATE
fsr-3530	59	1	abreu & mendes	ORG
fsr-3530	59	2	2012	DATE
fsr-3530	59	3	barber & odean	ORG
fsr-3530	59	4	2000	DATE
fsr-3530	59	5	2017	DATE
fsr-3530	59	6	2020	DATE
fsr-3530	59	7	xia et al.	PERSON
fsr-3530	59	8	2014	DATE
fsr-3530	59	9	robb et al.	PERSON
fsr-3530	59	10	2015	DATE
fsr-3530	60	1	kim et al.	PERSON
fsr-3530	60	2	2020	DATE
fsr-3530	60	3	robb et al.	PERSON
fsr-3530	60	4	2015	DATE
fsr-3530	63	1	3	CARDINAL
fsr-3530	64	1	3	CARDINAL
fsr-3530	64	2	3.1	CARDINAL
fsr-3530	64	3	2018	DATE
fsr-3530	64	4	2018	DATE
fsr-3530	65	1	2018	DATE
fsr-3530	65	2	approximately 500	CARDINAL
fsr-3530	65	3	27,091	CARDINAL
fsr-3530	65	4	the united states	GPE
fsr-3530	65	5	approximately 500	CARDINAL
fsr-3530	66	1	2018	DATE
fsr-3530	67	1	124	CARDINAL
fsr-3530	67	2	k. t. kim et al	PERSON
fsr-3530	67	3	31	CARDINAL
fsr-3530	67	4	2023	CARDINAL
fsr-3530	67	5	121–132	CARDINAL
fsr-3530	67	6	2,003	CARDINAL
fsr-3530	67	7	2018	DATE
fsr-3530	67	8	2018	DATE
fsr-3530	68	1	1,819	CARDINAL
fsr-3530	69	1	3.2	CARDINAL
fsr-3530	70	1	2018	DATE
fsr-3530	71	1	3.3	CARDINAL
fsr-3530	72	1	2018	DATE
fsr-3530	73	1	10	CARDINAL
fsr-3530	73	2	0	CARDINAL
fsr-3530	73	3	10	CARDINAL
fsr-3530	75	1	1 to 7	DATE
fsr-3530	75	2	1	CARDINAL
fsr-3530	75	3	7	CARDINAL
fsr-3530	76	1	kim et al	PERSON
fsr-3530	77	1	2020	DATE
fsr-3530	77	2	three	CARDINAL
fsr-3530	77	3	1	CARDINAL
fsr-3530	77	4	2	CARDINAL
fsr-3530	77	5	3	CARDINAL
fsr-3530	78	1	3.4	CARDINAL
fsr-3530	79	1	hispanic	NORP
fsr-3530	79	2	asian	NORP
fsr-3530	80	1	3.5	CARDINAL
fsr-3530	83	1	k. t. kim et al	PERSON
fsr-3530	83	2	31	CARDINAL
fsr-3530	83	3	2023	CARDINAL
fsr-3530	83	4	121–132 125	CARDINAL
fsr-3530	85	1	1#	CARDINAL
fsr-3530	86	1	#	CARDINAL
fsr-3530	88	1	0	CARDINAL
fsr-3530	88	2	three	CARDINAL
fsr-3530	89	1	4	CARDINAL
fsr-3530	89	2	4.1	CARDINAL
fsr-3530	90	1	1	CARDINAL
fsr-3530	90	2	about 13%	PERCENT
fsr-3530	91	1	less than 4%	PERCENT
fsr-3530	94	1	three	CARDINAL
fsr-3530	96	1	4.2	CARDINAL
fsr-3530	96	2	2	CARDINAL
fsr-3530	98	1	one	CARDINAL
fsr-3530	98	2	10.5%	PERCENT
fsr-3530	98	3	one	CARDINAL
fsr-3530	98	4	1	CARDINAL
fsr-3530	98	5	2018	DATE
fsr-3530	98	6	12.90%	PERCENT
fsr-3530	98	7	0–10	CARDINAL
fsr-3530	98	8	4.77	CARDINAL
fsr-3530	98	9	5.00	CARDINAL
fsr-3530	98	10	3.96	CARDINAL
fsr-3530	98	11	4.00	CARDINAL
fsr-3530	99	1	4.89	CARDINAL
fsr-3530	99	2	5.00	CARDINAL
fsr-3530	99	3	1-7	DATE
fsr-3530	99	4	4.79	CARDINAL
fsr-3530	99	5	5.00	CARDINAL
fsr-3530	99	6	5.55	CARDINAL
fsr-3530	99	7	6.00	CARDINAL
fsr-3530	100	1	4.68	CARDINAL
fsr-3530	100	2	5.00	CARDINAL
fsr-3530	100	3	1	CARDINAL
fsr-3530	100	4	28.28%	PERCENT
fsr-3530	100	5	58.7%	PERCENT
fsr-3530	100	6	23.9%	PERCENT
fsr-3530	100	7	2	CARDINAL
fsr-3530	100	8	0.02	CARDINAL
fsr-3530	100	9	0.00	CARDINAL
fsr-3530	100	10	1.58	CARDINAL
fsr-3530	100	11	3.00	CARDINAL
fsr-3530	101	1	0.21	MONEY
fsr-3530	101	2	0.00	CARDINAL
fsr-3530	101	3	3	CARDINAL
fsr-3530	101	4	0.00	CARDINAL
fsr-3530	101	5	0.18	CARDINAL
fsr-3530	101	6	0.86	CARDINAL
fsr-3530	101	7	1.04	CARDINAL
fsr-3530	102	1	0.13	MONEY
fsr-3530	102	2	0.04	CARDINAL
fsr-3530	106	1	.001	CARDINAL
fsr-3530	107	1	126	CARDINAL
fsr-3530	107	2	k. t. kim et al	PERSON
fsr-3530	107	3	31	CARDINAL
fsr-3530	107	4	2023	CARDINAL
fsr-3530	107	5	121–132	CARDINAL
fsr-3530	107	6	ab le	ORG
fsr-3530	107	7	2 l	DATE
fsr-3530	109	1	cu rr	ORG
fsr-3530	110	1	2	CARDINAL
fsr-3530	110	2	su rv	PERSON
fsr-3530	111	1	ia	GPE
fsr-3530	111	2	o	DATE
fsr-3530	111	3	fi de nc e	FAC
fsr-3530	111	4	1	CARDINAL
fsr-3530	111	5	ec	ORG
fsr-3530	112	1	lo w ob je ct iv e	PERSON
fsr-3530	113	1	2	CARDINAL
fsr-3530	114	1	3b	CARDINAL
fsr-3530	115	1	f. s	PERSON
fsr-3530	116	1	f. s	PERSON
fsr-3530	117	1	f. s	PERSON
fsr-3530	118	1	f. s e	PERSON
fsr-3530	119	1	cy v ar	PERSON
fsr-3530	119	2	ia	GPE
fsr-3530	119	3	o	DATE
fsr-3530	119	4	je ct iv e li te	PERSON
fsr-3530	120	1	li te	PERSON
fsr-3530	121	1	9 1	TIME
fsr-3530	122	1	li te ra cy	PERSON
fsr-3530	122	2	1 .1	QUANTITY
fsr-3530	123	1	9	CARDINAL
fsr-3530	126	1	9 7 9	TIME
fsr-3530	127	1	0	CARDINAL
fsr-3530	129	1	0	CARDINAL
fsr-3530	129	2	1	CARDINAL
fsr-3530	130	1	0	CARDINAL
fsr-3530	131	1	1	CARDINAL
fsr-3530	132	1	0	CARDINAL
fsr-3530	133	1	1	CARDINAL
fsr-3530	134	1	0	CARDINAL
fsr-3530	134	2	1	CARDINAL
fsr-3530	134	3	2 m	QUANTITY
fsr-3530	134	4	5	CARDINAL
fsr-3530	134	5	7	CARDINAL
fsr-3530	134	6	7	CARDINAL
fsr-3530	134	7	9	CARDINAL
fsr-3530	134	8	al st	PERSON
fsr-3530	135	1	u s	ORG
fsr-3530	136	1	4	CARDINAL
fsr-3530	138	1	4	CARDINAL
fsr-3530	139	1	4	CARDINAL
fsr-3530	140	1	o	DATE
fsr-3530	143	1	4	CARDINAL
fsr-3530	143	2	4	CARDINAL
fsr-3530	143	3	6 2	CARDINAL
fsr-3530	143	4	4	CARDINAL
fsr-3530	144	1	4	CARDINAL
fsr-3530	146	1	0	CARDINAL
fsr-3530	146	2	5	CARDINAL
fsr-3530	147	1	5	CARDINAL
fsr-3530	147	2	1	CARDINAL
fsr-3530	147	3	1	CARDINAL
fsr-3530	149	1	ac	ORG
fsr-3530	149	2	ni ci	PERSON
fsr-3530	151	1	# 0 .0	MONEY
fsr-3530	152	1	7	CARDINAL
fsr-3530	152	2	7	CARDINAL
fsr-3530	152	3	3	CARDINAL
fsr-3530	152	4	3	CARDINAL
fsr-3530	152	5	3	CARDINAL
fsr-3530	152	6	5	CARDINAL
fsr-3530	152	7	4	CARDINAL
fsr-3530	153	1	5	CARDINAL
fsr-3530	153	2	9 6 8	TIME
fsr-3530	159	1	lo w	PERSON
fsr-3530	161	1	1 2	CARDINAL
fsr-3530	162	1	6	CARDINAL
fsr-3530	162	2	0	CARDINAL
fsr-3530	162	3	6	CARDINAL
fsr-3530	162	4	o ci	PERSON
fsr-3530	163	1	3 3 1	DATE
fsr-3530	163	2	5	CARDINAL
fsr-3530	163	3	3	CARDINAL
fsr-3530	163	4	0	CARDINAL
fsr-3530	163	5	4	CARDINAL
fsr-3530	163	6	4 2 1	TIME
fsr-3530	163	7	5 1	CARDINAL
fsr-3530	163	8	ac h	ORG
fsr-3530	168	1	o	DATE
fsr-3530	169	1	3	CARDINAL
fsr-3530	169	2	5	CARDINAL
fsr-3530	169	3	3	CARDINAL
fsr-3530	169	4	4 8 9	TIME
fsr-3530	169	5	8	CARDINAL
fsr-3530	169	6	3	CARDINAL
fsr-3530	169	7	5	CARDINAL
fsr-3530	169	8	1	CARDINAL
fsr-3530	169	9	2	CARDINAL
fsr-3530	169	10	5	CARDINAL
fsr-3530	170	1	u s	ORG
fsr-3530	170	2	fu	PERSON
fsr-3530	173	1	0	CARDINAL
fsr-3530	173	2	0	CARDINAL
fsr-3530	173	3	6	CARDINAL
fsr-3530	173	4	3	CARDINAL
fsr-3530	173	5	0	CARDINAL
fsr-3530	173	6	tti m e w o rk	FAC
fsr-3530	173	7	0	CARDINAL
fsr-3530	173	8	4	CARDINAL
fsr-3530	173	9	3 1	CARDINAL
fsr-3530	173	10	2	CARDINAL
fsr-3530	173	11	4	CARDINAL
fsr-3530	173	12	4	CARDINAL
fsr-3530	174	1	# 1 .4	MONEY
fsr-3530	175	1	2	CARDINAL
fsr-3530	175	2	0	CARDINAL
fsr-3530	176	1	9	CARDINAL
fsr-3530	176	2	8 9 8	TIME
fsr-3530	176	3	0	CARDINAL
fsr-3530	177	1	9	CARDINAL
fsr-3530	178	1	2	CARDINAL
fsr-3530	178	2	0	CARDINAL
fsr-3530	179	1	3	CARDINAL
fsr-3530	179	2	0	CARDINAL
fsr-3530	180	1	# 0 .8	MONEY
fsr-3530	180	2	0 .4 5	PERCENT
fsr-3530	180	3	ab le	ORG
fsr-3530	181	1	5	CARDINAL
fsr-3530	181	2	2 7	DATE
fsr-3530	181	3	# 1 .2	MONEY
fsr-3530	181	4	2	CARDINAL
fsr-3530	182	1	4	CARDINAL
fsr-3530	182	2	2	CARDINAL
fsr-3530	182	3	# 0 .2	MONEY
fsr-3530	183	1	0	CARDINAL
fsr-3530	183	2	0	CARDINAL
fsr-3530	183	3	6	CARDINAL
fsr-3530	183	4	6	CARDINAL
fsr-3530	183	5	0	CARDINAL
fsr-3530	183	6	5	CARDINAL
fsr-3530	183	7	0	CARDINAL
fsr-3530	183	8	4	CARDINAL
fsr-3530	183	9	9	CARDINAL
fsr-3530	187	1	4	CARDINAL
fsr-3530	188	1	0	CARDINAL
fsr-3530	188	2	8 5 9	TIME
fsr-3530	188	3	3	CARDINAL
fsr-3530	188	4	2	CARDINAL
fsr-3530	189	1	2	CARDINAL
fsr-3530	190	1	2	CARDINAL
fsr-3530	190	2	9 1 7	DATE
fsr-3530	190	3	0	CARDINAL
fsr-3530	190	4	3	CARDINAL
fsr-3530	191	1	31	CARDINAL
fsr-3530	191	2	2023	CARDINAL
fsr-3530	191	3	121–132 127	CARDINAL
fsr-3530	191	4	ab le 2	ORG
fsr-3530	191	5	ia	GPE
fsr-3530	191	6	o	DATE
fsr-3530	192	1	fi de nc e	FAC
fsr-3530	192	2	1	CARDINAL
fsr-3530	192	3	ec	ORG
fsr-3530	193	1	lo w ob je ct iv e	PERSON
fsr-3530	194	1	2	CARDINAL
fsr-3530	195	1	3b	CARDINAL
fsr-3530	196	1	f. s	PERSON
fsr-3530	197	1	f. s	PERSON
fsr-3530	198	1	f. s	PERSON
fsr-3530	199	1	f. s e $	PERSON
fsr-3530	199	2	1	MONEY
fsr-3530	199	3	0	CARDINAL
fsr-3530	200	1	3	CARDINAL
fsr-3530	200	2	7	CARDINAL
fsr-3530	200	3	4	CARDINAL
fsr-3530	201	1	9	CARDINAL
fsr-3530	201	2	4	CARDINAL
fsr-3530	201	3	4	CARDINAL
fsr-3530	201	4	0	CARDINAL
fsr-3530	203	1	o	DATE
fsr-3530	203	2	# 1 .2	MONEY
fsr-3530	203	3	3	CARDINAL
fsr-3530	203	4	0 .4	PERCENT
fsr-3530	205	1	6	CARDINAL
fsr-3530	206	1	9 # 1 .2	MONEY
fsr-3530	206	2	6	CARDINAL
fsr-3530	206	3	0	CARDINAL
fsr-3530	207	1	5	MONEY
fsr-3530	207	2	0	CARDINAL
fsr-3530	207	3	5	MONEY
fsr-3530	207	4	0	CARDINAL
fsr-3530	207	5	$ 2 4	MONEY
fsr-3530	208	1	8	CARDINAL
fsr-3530	208	2	0	CARDINAL
fsr-3530	209	1	5	CARDINAL
fsr-3530	209	2	0	CARDINAL
fsr-3530	209	3	0	CARDINAL
fsr-3530	210	1	9	CARDINAL
fsr-3530	210	2	3	CARDINAL
fsr-3530	210	3	2	CARDINAL
fsr-3530	210	4	0	CARDINAL
fsr-3530	210	5	2	CARDINAL
fsr-3530	210	6	1 3	CARDINAL
fsr-3530	210	7	1	CARDINAL
fsr-3530	211	1	1	CARDINAL
fsr-3530	211	2	6	CARDINAL
fsr-3530	211	3	2 5	CARDINAL
fsr-3530	211	4	1	MONEY
fsr-3530	211	5	0	CARDINAL
fsr-3530	211	6	2	MONEY
fsr-3530	211	7	7 5 1	DATE
fsr-3530	211	8	6 3	CARDINAL
fsr-3530	211	9	# 0 .2	MONEY
fsr-3530	211	10	5	CARDINAL
fsr-3530	212	1	5	CARDINAL
fsr-3530	212	2	8 3 5	DATE
fsr-3530	212	3	6	CARDINAL
fsr-3530	212	4	2	MONEY
fsr-3530	212	5	0	CARDINAL
fsr-3530	212	6	4	MONEY
fsr-3530	212	7	0	CARDINAL
fsr-3530	212	8	6	CARDINAL
fsr-3530	212	9	7	CARDINAL
fsr-3530	212	10	5	MONEY
fsr-3530	212	11	0	CARDINAL
fsr-3530	212	12	9	MONEY
fsr-3530	213	1	4	CARDINAL
fsr-3530	214	1	9	CARDINAL
fsr-3530	215	1	4	CARDINAL
fsr-3530	215	2	0	CARDINAL
fsr-3530	215	3	0	CARDINAL
fsr-3530	217	1	o	DATE
fsr-3530	217	2	# 0 .0	MONEY
fsr-3530	217	3	1	CARDINAL
fsr-3530	217	4	9	CARDINAL
fsr-3530	217	5	7	CARDINAL
fsr-3530	217	6	2	CARDINAL
fsr-3530	218	1	7	CARDINAL
fsr-3530	218	2	5	CARDINAL
fsr-3530	218	3	8 2 1	TIME
fsr-3530	218	4	io	LOC
fsr-3530	222	1	8 9 .0 %	PERCENT
fsr-3530	223	1	8 9 .0 %	PERCENT
fsr-3530	223	2	s. w	PERSON
fsr-3530	224	1	su lt s.	PERSON
fsr-3530	225	1	je ct iv	PERSON
fsr-3530	225	2	al li	PERSON
fsr-3530	227	1	ss su	PERSON
fsr-3530	227	2	al li	PERSON
fsr-3530	228	1	je ct iv e	PERSON
fsr-3530	228	2	li te	PERSON
fsr-3530	228	3	ea su	PERSON
fsr-3530	230	1	.0 5	DATE
fsr-3530	230	2	.0 1	DATE
fsr-3530	231	1	1	CARDINAL
fsr-3530	232	1	128	CARDINAL
fsr-3530	232	2	k. t. kim et al	PERSON
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fsr-3530	232	4	2023	CARDINAL
fsr-3530	232	5	121–132	CARDINAL
fsr-3530	232	6	80.6%	PERCENT
fsr-3530	233	1	three	CARDINAL
fsr-3530	234	1	1	CARDINAL
fsr-3530	234	2	3.1	CARDINAL
fsr-3530	235	1	one	CARDINAL
fsr-3530	235	2	2	CARDINAL
fsr-3530	235	3	26.7%	PERCENT
fsr-3530	235	4	one	CARDINAL
fsr-3530	235	5	3	CARDINAL
fsr-3530	235	6	81.8%	PERCENT
fsr-3530	239	1	150,000	MONEY
fsr-3530	240	1	less than $5,000	MONEY
fsr-3530	240	2	5,000–$24,999	MONEY
fsr-3530	241	1	5	CARDINAL
fsr-3530	243	1	one	CARDINAL
fsr-3530	248	1	atkinson &	ORG
fsr-3530	248	2	2012	DATE
fsr-3530	248	3	lusardi & mitchell 2017	ORG
fsr-3530	248	4	kim et al.	PERSON
fsr-3530	248	5	2020	DATE
fsr-3530	248	6	robb et al.	PERSON
fsr-3530	248	7	2015	DATE
fsr-3530	252	1	first	ORDINAL
fsr-3530	254	1	second	ORDINAL
fsr-3530	258	1	31	CARDINAL
fsr-3530	258	2	2023	CARDINAL
fsr-3530	258	3	121–132	CARDINAL
fsr-3530	258	4	129	CARDINAL
fsr-3530	258	5	50.8	CARDINAL
fsr-3530	258	6	17.6	CARDINAL
fsr-3530	258	7	56.7	CARDINAL
fsr-3530	258	8	43.3	CARDINAL
fsr-3530	258	9	58.4	CARDINAL
fsr-3530	258	10	25.4	CARDINAL
fsr-3530	258	11	16.2	CARDINAL
fsr-3530	258	12	31.3	CARDINAL
fsr-3530	258	13	76.9	CARDINAL
fsr-3530	258	14	8.3	CARDINAL
fsr-3530	258	15	6.9	CARDINAL
fsr-3530	258	16	7.9	CARDINAL
fsr-3530	258	17	20.4	CARDINAL
fsr-3530	258	18	24.1	CARDINAL
fsr-3530	258	19	10.8	CARDINAL
fsr-3530	258	20	26.6	CARDINAL
fsr-3530	258	21	18.1	CARDINAL
fsr-3530	258	22	42.9	CARDINAL
fsr-3530	258	23	9.0	CARDINAL
fsr-3530	258	24	7.7	CARDINAL
fsr-3530	258	25	3.8	CARDINAL
fsr-3530	258	26	2.5	CARDINAL
fsr-3530	258	27	1.3	CARDINAL
fsr-3530	258	28	1.9	CARDINAL
fsr-3530	258	29	30.9	CARDINAL
fsr-3530	258	30	less than $35,000 15.6 $35,000–$49,999	MONEY
fsr-3530	258	31	12.3 $50,000–$74,999	MONEY
fsr-3530	258	32	23.9 $	MONEY
fsr-3530	258	33	75,000–$99,999	MONEY
fsr-3530	258	34	18.9 $	MONEY
fsr-3530	258	35	18.3 $150,000	MONEY
fsr-3530	258	36	11.0	CARDINAL
fsr-3530	258	37	less than $5,000 12.4 $5,000–$24,999 15.1 $25,000–$49,999	MONEY
fsr-3530	258	38	10.8 $50,000–$99,999 14.9	MONEY
fsr-3530	258	39	17.0 $250,000–$499,999	MONEY
fsr-3530	258	40	500,000–$999,999	MONEY
fsr-3530	258	41	8.3 $1,000,000	MONEY
fsr-3530	258	42	7.3	CARDINAL
fsr-3530	260	1	130	CARDINAL
fsr-3530	260	2	k. t. kim et al	PERSON
fsr-3530	260	3	31	CARDINAL
fsr-3530	260	4	2023	CARDINAL
fsr-3530	260	5	121–132	CARDINAL
fsr-3530	260	6	abreu, m., & mendes	ORG
fsr-3530	260	7	2012	DATE
fsr-3530	262	1	33	DATE
fsr-3530	263	1	fiedler	ORG
fsr-3530	263	2	i.	PERSON
fsr-3530	263	3	meduna	GPE
fsr-3530	263	4	m. v.,	PERSON
fsr-3530	263	5	f.	PERSON
fsr-3530	263	6	2022	CARDINAL
fsr-3530	265	1	international journal of innovation and technology management	ORG
fsr-3530	265	2	19	CARDINAL
fsr-3530	266	1	m.	PERSON
fsr-3530	266	2	pelegrı́n	NORP
fsr-3530	266	3	j., & matı́as	ORG
fsr-3530	266	4	2019	DATE
fsr-3530	267	1	spain	GPE
fsr-3530	268	1	10	CARDINAL
fsr-3530	268	2	475	CARDINAL
fsr-3530	269	1	atkinson	GPE
fsr-3530	269	2	a., & messy	ORG
fsr-3530	269	3	f.	PERSON
fsr-3530	269	4	2012	DATE
fsr-3530	270	1	oecd	ORG
fsr-3530	271	1	oecd	ORG
fsr-3530	271	2	15	CARDINAL
fsr-3530	272	1	oecd	ORG
fsr-3530	273	1	https://doi.org/10.1787/5k9csfs90fr4-en avital	PERSON
fsr-3530	273	2	m., beck, r., king	ORG
fsr-3530	273	3	j. l.	PERSON
fsr-3530	273	4	m., & teigland	ORG
fsr-3530	273	5	r.	NORP
fsr-3530	273	6	2016	DATE
fsr-3530	275	1	thirty	CARDINAL
fsr-3530	275	2	seventh	ORDINAL
fsr-3530	275	3	dublin	GPE
fsr-3530	276	1	1–6	CARDINAL
fsr-3530	277	1	http://aisel.aisnet.org/cgi/viewcontent.cgi?article=1320&	ORG
fsr-3530	277	2	icis2016 barber	PERSON
fsr-3530	277	3	b. m.	PERSON
fsr-3530	277	4	t.	GPE
fsr-3530	277	5	2000	DATE
fsr-3530	279	1	55	CARDINAL
fsr-3530	279	2	773–806	CARDINAL
fsr-3530	280	1	bharadwaj	PERSON
fsr-3530	280	2	s., & deka	ORG
fsr-3530	280	3	s.	PERSON
fsr-3530	280	4	2021	CARDINAL
fsr-3530	282	1	9	CARDINAL
fsr-3530	282	2	137–159	CARDINAL
fsr-3530	283	1	bouri	PERSON
fsr-3530	283	2	e., gupta	GPE
fsr-3530	283	3	r., & roubaud	ORG
fsr-3530	283	4	2019	DATE
fsr-3530	285	1	29	CARDINAL
fsr-3530	285	2	216–221	CARDINAL
fsr-3530	286	1	https://doi.org/10.1016/j.frl.2018.07.008	NORP
fsr-3530	286	2	z.	PERSON
fsr-3530	286	3	wang	PERSON
fsr-3530	286	4	z.	PERSON
fsr-3530	286	5	xiao	PERSON
fsr-3530	286	6	j. j.	PERSON
fsr-3530	286	7	w.	PERSON
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fsr-3530	288	1	132	CARDINAL
fsr-3530	288	2	799–820	CARDINAL
fsr-3530	289	1	https://doi.org/10.1007/s11205-016-1309-2 chuen	PERSON
fsr-3530	289	2	d. l. k.	PERSON
fsr-3530	289	3	guo	PERSON
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fsr-3530	289	5	2017	CARDINAL
fsr-3530	291	1	20	CARDINAL
fsr-3530	292	1	https://doi.org/10.3905/jai.2018.20.3.016	NORP
fsr-3530	293	1	2020	DATE
fsr-3530	293	2	march 2	DATE
fsr-3530	296	1	da gama silva	PERSON
fsr-3530	296	2	p. v.	PERSON
fsr-3530	297	1	j., klotzle	PERSON
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fsr-3530	297	5	2019	DATE
fsr-3530	299	1	22	CARDINAL
fsr-3530	299	2	41–50	DATE
fsr-3530	300	1	10.1016	CARDINAL
fsr-3530	300	2	w. f.	PERSON
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fsr-3530	300	5	s. k. (	PERSON
fsr-3530	300	6	2008	DATE
fsr-3530	302	1	18	CARDINAL
fsr-3530	302	2	goetzmann	ORG
fsr-3530	302	3	w. n., & kumar	PERSON
fsr-3530	302	4	2008	DATE
fsr-3530	304	1	12	CARDINAL
fsr-3530	304	2	433–463	DATE
fsr-3530	305	1	https://doi.org/10.1093/rof/rfn005	NORP
fsr-3530	305	2	l., & jappelli	ORG
fsr-3530	305	3	2008).financial	CARDINAL
fsr-3530	306	1	european university institute	ORG
fsr-3530	306	2	2008/31	CARDINAL
fsr-3530	307	1	gupta	GPE
fsr-3530	307	2	s.	GPE
fsr-3530	307	3	gupta	GPE
fsr-3530	307	4	s.	GPE
fsr-3530	307	5	mathew, m., & sama	ORG
fsr-3530	307	6	h. r.	PERSON
fsr-3530	307	7	2021	CARDINAL
fsr-3530	309	1	48	DATE
fsr-3530	309	2	1442–1459	CARDINAL
fsr-3530	310	1	https://doi.org/10.1108/	CARDINAL
fsr-3530	310	2	t.	GPE
fsr-3530	310	3	m., & breitmayer	ORG
fsr-3530	310	4	2019	DATE
fsr-3530	313	1	23	CARDINAL
fsr-3530	313	2	64	DATE
fsr-3530	313	3	74	DATE
fsr-3530	314	1	https://doi.org/10.1016/j.jbef.2019.04.009 henry	ORG
fsr-3530	314	2	c. s.	PERSON
fsr-3530	314	3	huynh	PERSON
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fsr-3530	314	6	2018	DATE
fsr-3530	315	1	canada	GPE
fsr-3530	316	1	digital	ORG
fsr-3530	316	2	2	CARDINAL
fsr-3530	316	3	311–337	DATE
fsr-3530	317	1	ibrahim	PERSON
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fsr-3530	319	1	91	CARDINAL
fsr-3530	320	1	kim	PERSON
fsr-3530	320	2	k. t.	PERSON
fsr-3530	320	3	lee	PERSON
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fsr-3530	320	5	s. d.	PERSON
fsr-3530	320	6	2020	DATE
fsr-3530	322	1	54	DATE
fsr-3530	322	2	517–540	CARDINAL
fsr-3530	323	1	https://doi.org/10.1111/joca.12287	NORP
fsr-3530	324	1	31	CARDINAL
fsr-3530	324	2	2023	CARDINAL
fsr-3530	324	3	121–132	CARDINAL
fsr-3530	324	4	kimball, m., & shumway	ORG
fsr-3530	324	5	t.	GPE
fsr-3530	324	6	2006	DATE
fsr-3530	325	1	mimeo	PERSON
fsr-3530	325	2	ann arbor	PERSON
fsr-3530	325	3	mi: university of michigan	ORG
fsr-3530	326	1	liang	PERSON
fsr-3530	326	2	j., li	PERSON
fsr-3530	326	3	l.	PERSON
fsr-3530	326	4	chen	PERSON
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fsr-3530	329	1	137–139	CARDINAL
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fsr-3530	333	1	journal of monetary economics	ORG
fsr-3530	333	2	54	DATE
fsr-3530	333	3	205–224	CARDINAL
fsr-3530	334	1	a., & mitchell	ORG
fsr-3530	334	2	o. s.	PERSON
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fsr-3530	336	1	52	DATE
fsr-3530	336	2	5–44	CARDINAL
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fsr-3530	338	2	07	DATE
fsr-3530	338	3	1750008–1750031	DATE
fsr-3530	339	1	2008	DATE
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fsr-3530	343	2	407–435	CARDINAL
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fsr-3530	349	1	76, 102212	DATE
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fsr-3530	350	2	h. a.	PERSON
fsr-3530	350	3	2000	DATE
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fsr-3530	352	1	1	CARDINAL
fsr-3530	353	1	siriopoulos	PERSON
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fsr-3530	355	1	international journal of business and management research	ORG
fsr-3530	355	2	9	CARDINAL
fsr-3530	355	3	65–73	CARDINAL
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fsr-3530	360	3	2018	DATE
fsr-3530	362	1	the journal of risk finance	ORG
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fsr-3530	363	1	uandykova	GPE
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fsr-3530	365	1	7	CARDINAL
fsr-3530	365	2	102	CARDINAL
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fsr-3530	368	1	journal of financial economics	ORG
fsr-3530	368	2	101	CARDINAL
fsr-3530	368	3	449–472	CARDINAL
fsr-3530	369	1	xia	PERSON
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fsr-3530	369	3	wang	ORG
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fsr-3530	371	2	1233–1245	CARDINAL
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fsr-3530	376	1	international journal of bank	ORG
fsr-3530	376	2	39	CARDINAL
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fsr-3530	377	2	k. t. kim et al	PERSON
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fsr-3530	377	4	2023	CARDINAL
fsr-3530	377	5	121–132	CARDINAL
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fsr-3530	377	13	28262	DATE
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fsr-3530	377	17	20005	DATE
fsr-3530	381	1	2023	CARDINAL
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fsr-3530	389	1	b. j. davis	PERSON
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fsr-3530	428	2	2015	CARDINAL
fsr-3530	429	1	2,487	CARDINAL
fsr-3530	429	2	14%	PERCENT
fsr-3530	430	1	second	ORDINAL
fsr-3530	431	1	1,632	CARDINAL
fsr-3530	432	1	1,632	CARDINAL
fsr-3530	432	2	roughly two-thirds	CARDINAL
fsr-3530	432	3	1,101	CARDINAL
fsr-3530	432	4	b. j. davis et al	PERSON
fsr-3530	432	5	31	CARDINAL
fsr-3530	432	6	2023	CARDINAL
fsr-3530	432	7	133–150	CARDINAL
fsr-3530	432	8	135	CARDINAL
fsr-3530	435	1	two	CARDINAL
fsr-3530	435	2	mid-day	DATE
fsr-3530	435	3	two early evening	TIME
fsr-3530	436	1	the previous year	DATE
fsr-3530	437	1	3	CARDINAL
fsr-3530	439	1	section 3.2	LAW
fsr-3530	440	1	section 3.3	LAW
fsr-3530	441	1	3.1	CARDINAL
fsr-3530	442	1	1	CARDINAL
fsr-3530	443	1	nearly 30 years old	DATE
fsr-3530	443	2	almost 10	CARDINAL
fsr-3530	444	1	57%	PERCENT
fsr-3530	444	2	approximately a quarter	DATE
fsr-3530	445	1	1	CARDINAL
fsr-3530	446	1	136	CARDINAL
fsr-3530	446	2	b. j. davis et al	PERSON
fsr-3530	446	3	31	CARDINAL
fsr-3530	446	4	2023	CARDINAL
fsr-3530	446	5	133–150	CARDINAL
fsr-3530	446	6	57%	PERCENT
fsr-3530	446	7	nearly one	CARDINAL
fsr-3530	446	8	four	CARDINAL
fsr-3530	447	1	half	CARDINAL
fsr-3530	447	2	less than 10%	PERCENT
fsr-3530	448	1	about two-thirds	CARDINAL
fsr-3530	449	1	four	CARDINAL
fsr-3530	450	1	37%	PERCENT
fsr-3530	450	2	27%	PERCENT
fsr-3530	450	3	20%	PERCENT
fsr-3530	450	4	14%	PERCENT
fsr-3530	451	1	2	CARDINAL
fsr-3530	452	1	nearly 18,000	CARDINAL
fsr-3530	452	2	about 14%	PERCENT
fsr-3530	452	3	2,487	CARDINAL
fsr-3530	453	1	1,101	CARDINAL
fsr-3530	453	2	16%	PERCENT
fsr-3530	453	3	176	CARDINAL
fsr-3530	454	1	36%	PERCENT
fsr-3530	454	2	64	DATE
fsr-3530	454	3	44	CARDINAL
fsr-3530	454	4	20	CARDINAL
fsr-3530	455	1	25%	PERCENT
fsr-3530	455	2	8%	PERCENT
fsr-3530	456	1	39%	PERCENT
fsr-3530	456	2	29%	PERCENT
fsr-3530	458	1	3	CARDINAL
fsr-3530	459	1	12).9	CARDINAL
fsr-3530	459	2	1	CARDINAL
fsr-3530	459	3	7	CARDINAL
fsr-3530	460	1	1	CARDINAL
fsr-3530	460	2	29.5 7.5 2,487	CARDINAL
fsr-3530	460	3	0.50 2,487	CARDINAL
fsr-3530	460	4	9.8 5.1 2,487	CARDINAL
fsr-3530	460	5	0.02 2,487	CARDINAL
fsr-3530	460	6	0.37 2,306	CARDINAL
fsr-3530	460	7	0.07 2,487	CARDINAL
fsr-3530	460	8	0.57 2,487	CARDINAL
fsr-3530	460	9	0.27 2,487	CARDINAL
fsr-3530	460	10	0.26 2,487	CARDINAL
fsr-3530	460	11	0.08 2,487	CARDINAL
fsr-3530	460	12	0.24 2,487	CARDINAL
fsr-3530	460	13	post-doc	NORP
fsr-3530	460	14	0.57 2,487	CARDINAL
fsr-3530	460	15	0.68 2,288	CARDINAL
fsr-3530	460	16	0.20 2,487	CARDINAL
fsr-3530	460	17	0.27 2,487	CARDINAL
fsr-3530	460	18	0.38 2,487	CARDINAL
fsr-3530	461	1	0.14 2,487	CARDINAL
fsr-3530	461	2	b. j. davis et al	PERSON
fsr-3530	461	3	31	CARDINAL
fsr-3530	461	4	2023	CARDINAL
fsr-3530	461	5	133–150	CARDINAL
fsr-3530	461	6	0 to 1	CARDINAL
fsr-3530	462	1	0.5	CARDINAL
fsr-3530	462	2	0.5	CARDINAL
fsr-3530	463	1	0	CARDINAL
fsr-3530	463	2	0	CARDINAL
fsr-3530	463	3	12	CARDINAL
fsr-3530	463	4	7	CARDINAL
fsr-3530	463	5	1	CARDINAL
fsr-3530	464	1	0.5	CARDINAL
fsr-3530	465	1	1	CARDINAL
fsr-3530	465	2	5	CARDINAL
fsr-3530	465	3	five	CARDINAL
fsr-3530	465	4	5	CARDINAL
fsr-3530	465	5	25	CARDINAL
fsr-3530	465	6	0	CARDINAL
fsr-3530	465	7	1	CARDINAL
fsr-3530	467	1	3	CARDINAL
fsr-3530	467	2	65%	PERCENT
fsr-3530	467	3	groups.10	ORG
fsr-3530	467	4	4.7	CARDINAL
fsr-3530	467	5	7	CARDINAL
fsr-3530	467	6	3	CARDINAL
fsr-3530	467	7	0–12	CARDINAL
fsr-3530	467	8	7.81	CARDINAL
fsr-3530	467	9	7.71	CARDINAL
fsr-3530	467	10	4.67	CARDINAL
fsr-3530	467	11	4.42 5.28 4.73	CARDINAL
fsr-3530	467	12	0.52	CARDINAL
fsr-3530	467	13	0.51	CARDINAL
fsr-3530	467	14	0.72	CARDINAL
fsr-3530	467	15	0.71 0.73	CARDINAL
fsr-3530	467	16	14%	PERCENT
fsr-3530	467	17	14%	PERCENT
fsr-3530	467	18	14%	PERCENT
fsr-3530	467	19	14%	PERCENT
fsr-3530	467	20	14%	PERCENT
fsr-3530	467	21	48	CARDINAL
fsr-3530	467	22	46 50	CARDINAL
fsr-3530	467	23	16 17	CARDINAL
fsr-3530	467	24	36	CARDINAL
fsr-3530	469	1	2	CARDINAL
fsr-3530	469	2	2,487	CARDINAL
fsr-3530	469	3	17,819 0.14	CARDINAL
fsr-3530	469	4	1,101	CARDINAL
fsr-3530	469	5	1,632 0.67	CARDINAL
fsr-3530	469	6	511 1,101 0.46	CARDINAL
fsr-3530	469	7	176	CARDINAL
fsr-3530	469	8	1,101 0.16	CARDINAL
fsr-3530	469	9	64	CARDINAL
fsr-3530	469	10	0.36	CARDINAL
fsr-3530	469	11	383	CARDINAL
fsr-3530	469	12	0.25	CARDINAL
fsr-3530	469	13	50	CARDINAL
fsr-3530	469	14	0.39	CARDINAL
fsr-3530	469	15	b. j. davis et al	PERSON
fsr-3530	469	16	31	CARDINAL
fsr-3530	469	17	2023	CARDINAL
fsr-3530	470	1	133–150	CARDINAL
fsr-3530	470	2	5.28	CARDINAL
fsr-3530	470	3	4.60	CARDINAL
fsr-3530	475	1	4	CARDINAL
fsr-3530	479	1	nine	CARDINAL
fsr-3530	479	2	10	CARDINAL
fsr-3530	479	3	three	CARDINAL
fsr-3530	479	4	four	CARDINAL
fsr-3530	480	1	third	ORDINAL
fsr-3530	481	1	38%	PERCENT
fsr-3530	481	2	22%	PERCENT
fsr-3530	481	3	50%	PERCENT
fsr-3530	484	1	over half	CARDINAL
fsr-3530	486	1	4	CARDINAL
fsr-3530	486	2	90%	PERCENT
fsr-3530	486	3	93%	PERCENT
fsr-3530	486	4	88%	PERCENT
fsr-3530	486	5	88%	PERCENT
fsr-3530	486	6	90%	PERCENT
fsr-3530	486	7	74	CARDINAL
fsr-3530	486	8	75	CARDINAL
fsr-3530	486	9	38	CARDINAL
fsr-3530	486	10	34	CARDINAL
fsr-3530	486	11	38 42	CARDINAL
fsr-3530	486	12	9 12 9 5 8	DATE
fsr-3530	486	13	19	CARDINAL
fsr-3530	486	14	22	CARDINAL
fsr-3530	486	15	28	CARDINAL
fsr-3530	486	16	30 22 15 36	TIME
fsr-3530	486	17	56	CARDINAL
fsr-3530	486	18	46 61	CARDINAL
fsr-3530	486	19	31	CARDINAL
fsr-3530	486	20	26	CARDINAL
fsr-3530	486	21	37	CARDINAL
fsr-3530	486	22	25	CARDINAL
fsr-3530	486	23	22	CARDINAL
fsr-3530	486	24	21 12	DATE
fsr-3530	486	25	27 28	CARDINAL
fsr-3530	486	26	46	CARDINAL
fsr-3530	486	27	43	CARDINAL
fsr-3530	486	28	b. j. davis et al	PERSON
fsr-3530	486	29	31	CARDINAL
fsr-3530	486	30	2023	CARDINAL
fsr-3530	486	31	133–150	CARDINAL
fsr-3530	488	1	about one	CARDINAL
fsr-3530	488	2	five	CARDINAL
fsr-3530	488	3	roughly 50%	PERCENT
fsr-3530	488	4	one	CARDINAL
fsr-3530	488	5	the next 10 years	DATE
fsr-3530	490	1	3.2	CARDINAL
fsr-3530	491	1	nearly half	CARDINAL
fsr-3530	491	2	48%	PERCENT
fsr-3530	492	1	5	CARDINAL
fsr-3530	495	1	5	CARDINAL
fsr-3530	495	2	8.31 7.19	CARDINAL
fsr-3530	495	3	4.59 4.82	CARDINAL
fsr-3530	495	4	0.55 0.48	CARDINAL
fsr-3530	495	5	0.75 0.69	CARDINAL
fsr-3530	495	6	98%	PERCENT
fsr-3530	495	7	81%	PERCENT
fsr-3530	495	8	83 65	CARDINAL
fsr-3530	495	9	42 34	CARDINAL
fsr-3530	495	10	37 31	DATE
fsr-3530	495	11	11%	PERCENT
fsr-3530	495	12	7%	PERCENT
fsr-3530	496	1	21 18	DATE
fsr-3530	496	2	32 24	QUANTITY
fsr-3530	496	3	64 48	CARDINAL
fsr-3530	496	4	37%	PERCENT
fsr-3530	496	5	26%	PERCENT
fsr-3530	496	6	23 17	CARDINAL
fsr-3530	496	7	20 20	CARDINAL
fsr-3530	496	8	21%	PERCENT
fsr-3530	496	9	23%	PERCENT
fsr-3530	496	10	55 39	CARDINAL
fsr-3530	499	1	the 10% and 1%	PERCENT
fsr-3530	500	1	140	CARDINAL
fsr-3530	500	2	b. j. davis et al	PERSON
fsr-3530	500	3	31	CARDINAL
fsr-3530	500	4	2023	CARDINAL
fsr-3530	500	5	133–150	CARDINAL
fsr-3530	500	6	about 1.2	CARDINAL
fsr-3530	503	1	2	CARDINAL
fsr-3530	504	1	two	CARDINAL
fsr-3530	504	2	0.5	CARDINAL
fsr-3530	505	1	0.07	CARDINAL
fsr-3530	505	2	1.68	CARDINAL
fsr-3530	505	3	12	CARDINAL
fsr-3530	506	1	0.07	CARDINAL
fsr-3530	506	2	0.84	CARDINAL
fsr-3530	508	1	6	CARDINAL
fsr-3530	508	2	3	CARDINAL
fsr-3530	509	1	6	CARDINAL
fsr-3530	509	2	four	CARDINAL
fsr-3530	510	1	fig	ORG
fsr-3530	511	1	3	CARDINAL
fsr-3530	511	2	6	CARDINAL
fsr-3530	511	3	z	ORG
fsr-3530	512	1	70%	PERCENT
fsr-3530	513	1	less than 30%	PERCENT
fsr-3530	515	1	2	CARDINAL
fsr-3530	516	1	b. j. davis et al	PERSON
fsr-3530	516	2	31	CARDINAL
fsr-3530	516	3	2023	CARDINAL
fsr-3530	516	4	133–150 141	CARDINAL
fsr-3530	517	1	4	CARDINAL
fsr-3530	518	1	two	CARDINAL
fsr-3530	518	2	appendix	NORP
fsr-3530	519	1	fig	PERSON
fsr-3530	520	1	4	CARDINAL
fsr-3530	521	1	3	CARDINAL
fsr-3530	523	1	above 60%	PERCENT
fsr-3530	523	2	45%	PERCENT
fsr-3530	524	1	6	CARDINAL
fsr-3530	524	2	0–25%	PERCENT
fsr-3530	524	3	26–50%	PERCENT
fsr-3530	524	4	51–75%	PERCENT
fsr-3530	524	5	76–100%	PERCENT
fsr-3530	525	1	n 1	ORG
fsr-3530	525	2	50%	PERCENT
fsr-3530	525	3	80%	PERCENT
fsr-3530	525	4	50%	PERCENT
fsr-3530	525	5	0%	PERCENT
fsr-3530	525	6	55%	PERCENT
fsr-3530	525	7	20 2 29%	DATE
fsr-3530	525	8	65%	PERCENT
fsr-3530	525	9	72%	PERCENT
fsr-3530	525	10	82%	PERCENT
fsr-3530	525	11	63%	PERCENT
fsr-3530	525	12	80 3	DATE
fsr-3530	525	13	26%	PERCENT
fsr-3530	525	14	61%	PERCENT
fsr-3530	525	15	68%	PERCENT
fsr-3530	525	16	70%	PERCENT
fsr-3530	525	17	62%	PERCENT
fsr-3530	525	18	236 4 20%	PERCENT
fsr-3530	525	19	49%	PERCENT
fsr-3530	525	20	61%	PERCENT
fsr-3530	525	21	58%	PERCENT
fsr-3530	525	22	56%	PERCENT
fsr-3530	525	23	646 5 22%	PERCENT
fsr-3530	525	24	30%	PERCENT
fsr-3530	525	25	64%	PERCENT
fsr-3530	525	26	59%	PERCENT
fsr-3530	525	27	57%	PERCENT
fsr-3530	525	28	481 6	DATE
fsr-3530	525	29	6%	PERCENT
fsr-3530	525	30	30%	PERCENT
fsr-3530	525	31	57%	PERCENT
fsr-3530	525	32	55%	PERCENT
fsr-3530	525	33	51%	PERCENT
fsr-3530	525	34	484 7	DATE
fsr-3530	525	35	22%	PERCENT
fsr-3530	525	36	0%	PERCENT
fsr-3530	525	37	50%	PERCENT
fsr-3530	525	38	45%	PERCENT
fsr-3530	525	39	42%	PERCENT
fsr-3530	526	1	20%	PERCENT
fsr-3530	526	2	55%	PERCENT
fsr-3530	526	3	62%	PERCENT
fsr-3530	526	4	39%	PERCENT
fsr-3530	526	5	48%	PERCENT
fsr-3530	526	6	2,100	CARDINAL
fsr-3530	527	1	3	CARDINAL
fsr-3530	528	1	142	CARDINAL
fsr-3530	528	2	b. j. davis et al	PERSON
fsr-3530	528	3	31	CARDINAL
fsr-3530	528	4	2023	CARDINAL
fsr-3530	528	5	133–150	CARDINAL
fsr-3530	528	6	under 6%	PERCENT
fsr-3530	528	7	only 11%	PERCENT
fsr-3530	530	1	3.3	CARDINAL
fsr-3530	531	1	first	ORDINAL
fsr-3530	532	1	7	CARDINAL
fsr-3530	535	1	2	CARDINAL
fsr-3530	541	1	8	CARDINAL
fsr-3530	542	1	five	CARDINAL
fsr-3530	542	2	1	CARDINAL
fsr-3530	542	3	2	CARDINAL
fsr-3530	542	4	3	CARDINAL
fsr-3530	543	1	4	CARDINAL
fsr-3530	544	1	4	CARDINAL
fsr-3530	545	1	b. j. davis et al	PERSON
fsr-3530	545	2	31	CARDINAL
fsr-3530	545	3	2023	CARDINAL
fsr-3530	546	1	133–150	CARDINAL
fsr-3530	546	2	ab le 7	ORG
fsr-3530	546	3	2	CARDINAL
fsr-3530	546	4	3	CARDINAL
fsr-3530	546	5	4	CARDINAL
fsr-3530	547	1	f. s ta	PERSON
fsr-3530	549	1	f. s ta n da rd	PERSON
fsr-3530	551	1	f. s ta	PERSON
fsr-3530	553	1	f. s ta	PERSON
fsr-3530	554	1	s tu de n	PERSON
fsr-3530	554	2	ri st ic	PERSON
fsr-3530	554	3	0 .0	MONEY
fsr-3530	555	1	0	CARDINAL
fsr-3530	556	1	3	CARDINAL
fsr-3530	558	1	0	CARDINAL
fsr-3530	559	1	3	CARDINAL
fsr-3530	561	1	0	CARDINAL
fsr-3530	562	1	3	CARDINAL
fsr-3530	565	1	0	CARDINAL
fsr-3530	567	1	0	CARDINAL
fsr-3530	568	1	tl	GPE
fsr-3530	569	1	0 9	CARDINAL
fsr-3530	570	1	0 7	DATE
fsr-3530	572	1	0 6	CARDINAL
fsr-3530	573	1	0 9	CARDINAL
fsr-3530	574	1	0 7	DATE
fsr-3530	575	1	ea	CARDINAL
fsr-3530	577	1	0	CARDINAL
fsr-3530	578	1	5	CARDINAL
fsr-3530	579	1	0 .0 1 4	MONEY
fsr-3530	579	2	0	CARDINAL
fsr-3530	581	1	0 .0 1 4	MONEY
fsr-3530	581	2	0	CARDINAL
fsr-3530	582	1	3	CARDINAL
fsr-3530	583	1	0 .0 1 4	MONEY
fsr-3530	586	1	6	CARDINAL
fsr-3530	587	1	6	CARDINAL
fsr-3530	589	1	6	CARDINAL
fsr-3530	591	1	5	CARDINAL
fsr-3530	594	1	0 .0 1 1	MONEY
fsr-3530	594	2	0	CARDINAL
fsr-3530	596	1	0 .0 1 1	MONEY
fsr-3530	596	2	0	CARDINAL
fsr-3530	597	1	6	CARDINAL
fsr-3530	599	1	0 .0 1 2	MONEY
fsr-3530	599	2	0	CARDINAL
fsr-3530	600	1	6	CARDINAL
fsr-3530	601	1	0 .0 1 2	MONEY
fsr-3530	604	1	0 .0 1 6	MONEY
fsr-3530	606	1	0 .0 1 6	MONEY
fsr-3530	608	1	0 .0 1 6	MONEY
fsr-3530	612	1	0 3	CARDINAL
fsr-3530	612	2	0 7	DATE
fsr-3530	612	3	0 .0 1 0	MONEY
fsr-3530	616	1	0 .0	MONEY
fsr-3530	618	1	0 .0 1 3	MONEY
fsr-3530	618	2	0 .0 2 7	MONEY
fsr-3530	618	3	0 .0 1 8	MONEY
fsr-3530	619	1	o	DATE
fsr-3530	620	1	0 .0 1 7	MONEY
fsr-3530	620	2	0 .0 3 2	MONEY
fsr-3530	622	1	0 .0 1 1	MONEY
fsr-3530	622	2	rv	GPE
fsr-3530	622	3	io	GPE
fsr-3530	622	4	7 5	CARDINAL
fsr-3530	622	5	0 1 7	DATE
fsr-3530	622	6	7 5	CARDINAL
fsr-3530	622	7	0 1 7	DATE
fsr-3530	622	8	7 5	CARDINAL
fsr-3530	622	9	0 1 7	DATE
fsr-3530	622	10	7 50	DATE
fsr-3530	625	1	ec	ORG
fsr-3530	629	1	s si g n ifi	PERSON
fsr-3530	629	2	1 0 % , 5 %	PERCENT
fsr-3530	629	3	an d 1 %	PERCENT
fsr-3530	629	4	el s	ORG
fsr-3530	629	5	ec	ORG
fsr-3530	630	1	144	CARDINAL
fsr-3530	630	2	b. j. davis et al	PERSON
fsr-3530	630	3	31	CARDINAL
fsr-3530	630	4	2023	CARDINAL
fsr-3530	631	1	133–150	CARDINAL
fsr-3530	631	2	ab le 8	ORG
fsr-3530	631	3	o	DATE
fsr-3530	631	4	1	CARDINAL
fsr-3530	631	5	2	CARDINAL
fsr-3530	631	6	3	CARDINAL
fsr-3530	631	7	4	CARDINAL
fsr-3530	631	8	5	CARDINAL
fsr-3530	631	9	s tu de n	PERSON
fsr-3530	631	10	ch ar ac te	PERSON
fsr-3530	631	11	ri st	PERSON
fsr-3530	632	1	0 .0	MONEY
fsr-3530	632	2	0 .0 2 2	MONEY
fsr-3530	633	1	2 1	CARDINAL
fsr-3530	633	2	0 .0 2 3	MONEY
fsr-3530	634	1	2 1	CARDINAL
fsr-3530	634	2	0 .0 2 3	MONEY
fsr-3530	634	3	0	CARDINAL
fsr-3530	635	1	1 9	CARDINAL
fsr-3530	635	2	0 .0 2 2	MONEY
fsr-3530	635	3	0	CARDINAL
fsr-3530	636	1	0 1	CARDINAL
fsr-3530	636	2	0 .0 2 2	MONEY
fsr-3530	637	1	0 4	PERCENT
fsr-3530	638	1	0 4	PERCENT
fsr-3530	640	1	0 3	CARDINAL
fsr-3530	642	1	0 1	CARDINAL
fsr-3530	643	1	0 1	CARDINAL
fsr-3530	643	2	2	CARDINAL
fsr-3530	643	3	3 5	CARDINAL
fsr-3530	643	4	0 .0 2 7	MONEY
fsr-3530	643	5	0	CARDINAL
fsr-3530	644	1	2 9	CARDINAL
fsr-3530	644	2	0 .0 2 8	MONEY
fsr-3530	644	3	0	CARDINAL
fsr-3530	644	4	6 5	CARDINAL
fsr-3530	644	5	0 .0 3 1	MONEY
fsr-3530	645	1	0	CARDINAL
fsr-3530	645	2	5 9	CARDINAL
fsr-3530	645	3	0 .0 3 1	MONEY
fsr-3530	646	1	4 2	CARDINAL
fsr-3530	646	2	0 .0 2 4	MONEY
fsr-3530	646	3	0	CARDINAL
fsr-3530	647	1	0 3	CARDINAL
fsr-3530	647	2	0 .0 2 4	MONEY
fsr-3530	648	1	0 9	CARDINAL
fsr-3530	648	2	0 .0 2 4	MONEY
fsr-3530	649	1	0 5	CARDINAL
fsr-3530	649	2	0 .0 2 4	MONEY
fsr-3530	649	3	0	CARDINAL
fsr-3530	650	1	0 4	PERCENT
fsr-3530	650	2	0 .0 2 5	MONEY
fsr-3530	650	3	ea	CARDINAL
fsr-3530	650	4	ea	CARDINAL
fsr-3530	651	1	0 1	CARDINAL
fsr-3530	651	2	0 .0 2 6	MONEY
fsr-3530	652	1	0 .0 2 6	MONEY
fsr-3530	654	1	0 .0	MONEY
fsr-3530	655	1	0 .0 2 7	MONEY
fsr-3530	656	1	0 .0 2 7	MONEY
fsr-3530	658	1	0 5	CARDINAL
fsr-3530	660	1	0 6	CARDINAL
fsr-3530	662	1	0 6	CARDINAL
fsr-3530	664	1	0 6	CARDINAL
fsr-3530	666	1	0 6	CARDINAL
fsr-3530	667	1	0 .0	MONEY
fsr-3530	667	2	4 4	CARDINAL
fsr-3530	668	1	4 3	CARDINAL
fsr-3530	668	2	0	CARDINAL
fsr-3530	669	1	0	CARDINAL
fsr-3530	669	2	0	CARDINAL
fsr-3530	671	1	0	CARDINAL
fsr-3530	671	2	0	CARDINAL
fsr-3530	672	1	3 5	CARDINAL
fsr-3530	672	2	0 .0 3 4	MONEY
fsr-3530	672	3	u si n	PERSON
fsr-3530	672	4	0 .0 1 4	MONEY
fsr-3530	672	5	0	CARDINAL
fsr-3530	673	1	2 3	CARDINAL
fsr-3530	673	2	0	CARDINAL
fsr-3530	673	3	0	CARDINAL
fsr-3530	674	1	0	CARDINAL
fsr-3530	675	1	3 6	CARDINAL
fsr-3530	675	2	0	CARDINAL
fsr-3530	676	1	5 3	CARDINAL
fsr-3530	676	2	0 .0 2 9	MONEY
fsr-3530	676	3	0	CARDINAL
fsr-3530	677	1	5 6	CARDINAL
fsr-3530	677	2	0 .0 2 9	MONEY
fsr-3530	678	1	5 5	CARDINAL
fsr-3530	678	2	0 .0 2 9	MONEY
fsr-3530	678	3	0	CARDINAL
fsr-3530	679	1	5 1	CARDINAL
fsr-3530	679	2	0 .0 2 9	MONEY
fsr-3530	680	1	5 4	CARDINAL
fsr-3530	680	2	0 .0 2 9	MONEY
fsr-3530	681	1	al li te	PERSON
fsr-3530	681	2	cy ch ar ac te	PERSON
fsr-3530	681	3	ri st ic s f	PERSON
fsr-3530	681	4	al li te	PERSON
fsr-3530	681	5	4 3	CARDINAL
fsr-3530	683	1	4 3	CARDINAL
fsr-3530	685	1	4 4	CARDINAL
fsr-3530	687	1	4 4	CARDINAL
fsr-3530	688	1	el fas se ss	ORG
fsr-3530	693	1	0 .0 5	MONEY
fsr-3530	694	1	0 .0 5	MONEY
fsr-3530	696	1	0 .0 7 2	MONEY
fsr-3530	699	1	0 .0 5 5	MONEY
fsr-3530	702	1	6 1	CARDINAL
fsr-3530	702	2	0 .0 5 5	MONEY
fsr-3530	705	1	5 2	CARDINAL
fsr-3530	705	2	0 .0 5 5	MONEY
fsr-3530	707	1	0	CARDINAL
fsr-3530	708	1	3 1	CARDINAL
fsr-3530	708	2	0 .0 5 6	MONEY
fsr-3530	710	1	0 .4 2 6	MONEY
fsr-3530	710	2	0 .0 5 6	MONEY
fsr-3530	711	1	su ra n ce	PERSON
fsr-3530	712	1	0 .0 2 6	MONEY
fsr-3530	713	1	0 .0 2 6	MONEY
fsr-3530	714	1	0 5	CARDINAL
fsr-3530	714	2	0 .0 2 7	MONEY
fsr-3530	714	3	0	CARDINAL
fsr-3530	715	1	1 0	CARDINAL
fsr-3530	716	1	0 .0 2 6	MONEY
fsr-3530	716	2	g s ac	FAC
fsr-3530	716	3	u n	FAC
fsr-3530	716	4	2 5	CARDINAL
fsr-3530	716	5	0 .0 2 9	MONEY
fsr-3530	717	1	2 8	DATE
fsr-3530	717	2	0 .0 2 9	MONEY
fsr-3530	718	1	2 8	DATE
fsr-3530	718	2	0 .0 2 8	MONEY
fsr-3530	718	3	0	CARDINAL
fsr-3530	718	4	3 6	CARDINAL
fsr-3530	718	5	0 .0 2	MONEY
fsr-3530	718	6	su ra n ce	PERSON
fsr-3530	719	1	0 .0 2 5	MONEY
fsr-3530	720	1	0 .0 2 5	MONEY
fsr-3530	721	1	0 .0 2 5	MONEY
fsr-3530	722	1	0 .0 2 5	MONEY
fsr-3530	722	2	eb	ORG
fsr-3530	722	3	eb	GPE
fsr-3530	726	1	0 8	DATE
fsr-3530	727	1	0 1	CARDINAL
fsr-3530	729	1	0	CARDINAL
fsr-3530	729	2	9 9	CARDINAL
fsr-3530	729	3	0 .0	MONEY
fsr-3530	730	1	eb	GPE
fsr-3530	732	1	0	CARDINAL
fsr-3530	732	2	0	CARDINAL
fsr-3530	733	1	1 9	CARDINAL
fsr-3530	733	2	0	CARDINAL
fsr-3530	733	3	0	CARDINAL
fsr-3530	734	1	1 6	CARDINAL
fsr-3530	734	2	0	CARDINAL
fsr-3530	738	1	0 .0 2 9	MONEY
fsr-3530	739	1	0	CARDINAL
fsr-3530	740	1	5 1	CARDINAL
fsr-3530	740	2	0 .0 2 9	MONEY
fsr-3530	741	1	4 3	CARDINAL
fsr-3530	741	2	0 .0 2 9	MONEY
fsr-3530	742	1	0 .0 5 1	MONEY
fsr-3530	742	2	0 .0 6 3	MONEY
fsr-3530	743	1	0 .0 6 3	MONEY
fsr-3530	744	1	0 .0	MONEY
fsr-3530	744	2	0 .0	MONEY
fsr-3530	744	3	3 2	CARDINAL
fsr-3530	744	4	0 .0 2 7	MONEY
fsr-3530	744	5	0 .0	MONEY
fsr-3530	744	6	4 2	CARDINAL
fsr-3530	744	7	0 .0 2 7	MONEY
fsr-3530	744	8	0	CARDINAL
fsr-3530	745	1	4 1	CARDINAL
fsr-3530	745	2	0 .0 2 7	MONEY
fsr-3530	747	1	0 .0 6 8	MONEY
fsr-3530	747	2	0	CARDINAL
fsr-3530	748	1	0	CARDINAL
fsr-3530	748	2	u rc h	ORG
fsr-3530	749	1	5 3	CARDINAL
fsr-3530	749	2	0 .0 2 7	MONEY
fsr-3530	752	1	6 1	CARDINAL
fsr-3530	752	2	0 .0 2 7	MONEY
fsr-3530	753	1	rv	GPE
fsr-3530	753	2	io	LOC
fsr-3530	753	3	0	CARDINAL
fsr-3530	759	1	o w n	PERSON
fsr-3530	760	1	s ta n	PERSON
fsr-3530	762	1	o w n	PERSON
fsr-3530	764	1	es si g n ifi	FAC
fsr-3530	764	2	1 0 % , 5 %	PERCENT
fsr-3530	765	1	1 %	PERCENT
fsr-3530	766	1	b. j. davis et al	PERSON
fsr-3530	766	2	31	CARDINAL
fsr-3530	766	3	2023	CARDINAL
fsr-3530	766	4	133–150	CARDINAL
fsr-3530	766	5	145	CARDINAL
fsr-3530	766	6	5	CARDINAL
fsr-3530	767	1	1	CARDINAL
fsr-3530	768	1	10%	PERCENT
fsr-3530	770	1	section 3.2.	LAW
fsr-3530	771	1	4%	PERCENT
fsr-3530	771	2	one	CARDINAL
fsr-3530	771	3	5%	PERCENT
fsr-3530	773	1	model 5	DATE
fsr-3530	774	1	2	CARDINAL
fsr-3530	775	1	3	CARDINAL
fsr-3530	781	1	4	CARDINAL
fsr-3530	781	2	the next ten years	DATE
fsr-3530	782	1	4.	CARDINAL
fsr-3530	786	1	first	ORDINAL
fsr-3530	787	1	146	CARDINAL
fsr-3530	787	2	b. j. davis et al	PERSON
fsr-3530	787	3	31	CARDINAL
fsr-3530	787	4	2023	CARDINAL
fsr-3530	788	1	133–150	CARDINAL
fsr-3530	793	1	one	CARDINAL
fsr-3530	794	1	stoddard	ORG
fsr-3530	794	2	2020	DATE
fsr-3530	794	3	collins	PERSON
fsr-3530	794	4	2018	DATE
fsr-3530	794	5	collins	PERSON
fsr-3530	794	6	2013	DATE
fsr-3530	797	1	1	CARDINAL
fsr-3530	797	2	2019	DATE
fsr-3530	797	3	clark	PERSON
fsr-3530	797	4	2017	CARDINAL
fsr-3530	797	5	mitchell	PERSON
fsr-3530	797	6	2014	DATE
fsr-3530	797	7	mitchell	PERSON
fsr-3530	797	8	2014	DATE
fsr-3530	797	9	mitchell (	ORG
fsr-3530	797	10	2011	DATE
fsr-3530	798	1	2013	DATE
fsr-3530	799	1	2	CARDINAL
fsr-3530	799	2	2003	DATE
fsr-3530	799	3	lusardi	PERSON
fsr-3530	799	4	2004	DATE
fsr-3530	799	5	2004	DATE
fsr-3530	799	6	bayer	ORG
fsr-3530	799	7	bernheim	GPE
fsr-3530	799	8	2009	DATE
fsr-3530	800	1	clark et al	PERSON
fsr-3530	800	2	2006	DATE
fsr-3530	800	3	2016	DATE
fsr-3530	800	4	2012	DATE
fsr-3530	801	1	3	CARDINAL
fsr-3530	801	2	the previous year	DATE
fsr-3530	803	1	4	CARDINAL
fsr-3530	803	2	reardon	GPE
fsr-3530	803	3	2015	CARDINAL
fsr-3530	804	1	5	CARDINAL
fsr-3530	804	2	the graduate student council	ORG
fsr-3530	805	1	6	CARDINAL
fsr-3530	805	2	mitchell	PERSON
fsr-3530	805	3	2014	DATE
fsr-3530	805	4	2013	DATE
fsr-3530	805	5	2012	DATE
fsr-3530	805	6	three	CARDINAL
fsr-3530	806	1	12	CARDINAL
fsr-3530	807	1	b. j. davis et al	PERSON
fsr-3530	807	2	31	CARDINAL
fsr-3530	807	3	2023	CARDINAL
fsr-3530	808	1	133–150	CARDINAL
fsr-3530	808	2	roughly one-third	CARDINAL
fsr-3530	809	1	8	CARDINAL
fsr-3530	810	1	9	CARDINAL
fsr-3530	811	1	10	CARDINAL
fsr-3530	812	1	11	CARDINAL
fsr-3530	813	1	12	CARDINAL
fsr-3530	814	1	91	CARDINAL
fsr-3530	814	2	5%	PERCENT
fsr-3530	815	1	13	CARDINAL
fsr-3530	817	1	7 0	DATE
fsr-3530	817	2	0%	PERCENT
fsr-3530	817	3	11.1%	PERCENT
fsr-3530	817	4	14.3%	PERCENT
fsr-3530	817	5	13.7%	PERCENT
fsr-3530	817	6	10.3%	PERCENT
fsr-3530	817	7	10.5%	PERCENT
fsr-3530	817	8	7.9%	PERCENT
fsr-3530	817	9	5.9%	PERCENT
fsr-3530	817	10	23.3	CARDINAL
fsr-3530	817	11	18.2	CARDINAL
fsr-3530	817	12	39.1	CARDINAL
fsr-3530	817	13	32.2	CARDINAL
fsr-3530	817	14	25.8	CARDINAL
fsr-3530	817	15	35.8	CARDINAL
fsr-3530	817	16	27.7	CARDINAL
fsr-3530	817	17	21.9	CARDINAL
fsr-3530	817	18	52.3 59.4	QUANTITY
fsr-3530	817	19	42.9	CARDINAL
fsr-3530	817	20	66.6	CARDINAL
fsr-3530	817	21	50%	PERCENT
fsr-3530	818	1	54.1	CARDINAL
fsr-3530	818	2	65.9	CARDINAL
fsr-3530	818	3	57.1	CARDINAL
fsr-3530	818	4	49.4	CARDINAL
fsr-3530	818	5	63.0	CARDINAL
fsr-3530	818	6	69.4	CARDINAL
fsr-3530	818	7	68.3	CARDINAL
fsr-3530	818	8	53.9	CARDINAL
fsr-3530	818	9	46.2	CARDINAL
fsr-3530	818	10	64.5	CARDINAL
fsr-3530	818	11	70.8	CARDINAL
fsr-3530	818	12	69.8	CARDINAL
fsr-3530	818	13	62.7	CARDINAL
fsr-3530	818	14	68.6	CARDINAL
fsr-3530	818	15	53.0	CARDINAL
fsr-3530	818	16	100%	PERCENT
fsr-3530	818	17	62.3	CARDINAL
fsr-3530	818	18	67.7	CARDINAL
fsr-3530	818	19	60.8	CARDINAL
fsr-3530	818	20	45.5	CARDINAL
fsr-3530	819	1	section 3.2	LAW
fsr-3530	819	2	5%	PERCENT
fsr-3530	820	1	148	CARDINAL
fsr-3530	820	2	b. j. davis et al	PERSON
fsr-3530	820	3	31	CARDINAL
fsr-3530	820	4	2023	CARDINAL
fsr-3530	820	5	133–150	CARDINAL
fsr-3530	820	6	carrie houts	PERSON
fsr-3530	821	1	james winbush	PERSON
fsr-3530	821	2	dan rives	PERSON
fsr-3530	821	3	keatrick johnson	PERSON
fsr-3530	821	4	indiana university	ORG
fsr-3530	822	1	benjamin bissette	PERSON
fsr-3530	822	2	katherine jones	PERSON
fsr-3530	823	1	indiana university	ORG
fsr-3530	825	1	the tiaa institute	ORG
fsr-3530	826	1	s., & walstad	ORG
fsr-3530	826	2	w.	PERSON
fsr-3530	826	3	2016	DATE
fsr-3530	828	1	54	DATE
fsr-3530	828	2	675–697	CARDINAL
fsr-3530	828	3	https://doi.org/10.1111/ecin.12255 anderson	PERSON
fsr-3530	828	4	baker	PERSON
fsr-3530	828	5	f., & robinson	ORG
fsr-3530	828	6	2017	CARDINAL
fsr-3530	830	1	journal of financial economics	ORG
fsr-3530	830	2	126	CARDINAL
fsr-3530	830	3	383–398	CARDINAL
fsr-3530	832	1	bernheim	GPE
fsr-3530	832	2	d., & scholz	ORG
fsr-3530	832	3	j.	PERSON
fsr-3530	832	4	2009	DATE
fsr-3530	834	1	47	DATE
fsr-3530	834	2	605–624	CARDINAL
fsr-3530	835	1	https://doi.org/10.1111/j.1465-7295.2008.00156.x bernheim	PERSON
fsr-3530	835	2	d., & garrett	ORG
fsr-3530	835	3	d. m.	PERSON
fsr-3530	835	4	2003	DATE
fsr-3530	837	1	journal of public economics	ORG
fsr-3530	837	2	87	DATE
fsr-3530	837	3	1487–1519	DATE
fsr-3530	838	1	https://doi.org/10.1016/s0047-2727	PERSON
fsr-3530	838	2	01)00184	CARDINAL
fsr-3530	838	3	0 clark	PERSON
fsr-3530	838	4	r.	NORP
fsr-3530	838	5	a., & mitchell	ORG
fsr-3530	838	6	2017	CARDINAL
fsr-3530	840	1	55	DATE
fsr-3530	840	2	248–259	CARDINAL
fsr-3530	840	3	https://doi.org/10.1111/ecin.12389 clark	PERSON
fsr-3530	840	4	r. l.	PERSON
fsr-3530	840	5	m. b.	PERSON
fsr-3530	840	6	a. a.	PERSON
fsr-3530	840	7	2006	DATE
fsr-3530	842	1	journal of pension economics	ORG
fsr-3530	842	2	5	CARDINAL
fsr-3530	842	3	https://doi.org/10.1017/s1474747205002271 collins	PERSON
fsr-3530	842	4	m. (	PERSON
fsr-3530	842	5	2013	DATE
fsr-3530	844	1	95	CARDINAL
fsr-3530	844	2	146–158	CARDINAL
fsr-3530	844	3	anzelone	GPE
fsr-3530	844	4	l.	GPE
fsr-3530	844	5	2015	DATE
fsr-3530	846	1	opre	ORG
fsr-3530	846	2	2015-75	CARDINAL
fsr-3530	847	1	washington	GPE
fsr-3530	847	2	dc	GPE
fsr-3530	847	3	u.s.	GPE
fsr-3530	848	1	hastings	PERSON
fsr-3530	848	2	j., madrian	ORG
fsr-3530	848	3	b., & skimmyhorn	ORG
fsr-3530	848	4	w.	PERSON
fsr-3530	848	5	2013	DATE
fsr-3530	850	1	annual	DATE
fsr-3530	850	2	5	CARDINAL
fsr-3530	850	3	347–373	CARDINAL
fsr-3530	850	4	m., & houts	ORG
fsr-3530	850	5	2012	DATE
fsr-3530	852	1	46	DATE
fsr-3530	852	2	381–410	CARDINAL
fsr-3530	852	3	10.1111	CARDINAL
fsr-3530	852	4	6606.2012.01241.x	CARDINAL
fsr-3530	852	5	a.	PERSON
fsr-3530	852	6	2004	DATE
fsr-3530	854	1	o. mitchell & s. utkus	ORG
fsr-3530	855	1	157–184	CARDINAL
fsr-3530	856	1	oxford	NORP
fsr-3530	856	2	oxford university	ORG
fsr-3530	857	1	lusardi	PERSON
fsr-3530	857	2	a., & mitchell	ORG
fsr-3530	857	3	2011	DATE
fsr-3530	859	1	o. mitchell & a. lusardi	ORG
fsr-3530	860	1	oxford	NORP
fsr-3530	860	2	oxford university	ORG
fsr-3530	861	1	lusardi	PERSON
fsr-3530	861	2	a., & mitchell	ORG
fsr-3530	861	3	2014	DATE
fsr-3530	863	1	52	DATE
fsr-3530	863	2	5–44	CARDINAL
fsr-3530	863	3	mitchell, o., & curto	PERSON
fsr-3530	863	4	2014	DATE
fsr-3530	865	1	journal of pension economics & finance	ORG
fsr-3530	865	2	13	CARDINAL
fsr-3530	865	3	347–366	CARDINAL
fsr-3530	865	4	https://doi.org/10.1017/s1474747214000031 lusardi	PERSON
fsr-3530	865	5	michaud	PERSON
fsr-3530	865	6	2017	CARDINAL
fsr-3530	867	1	125	CARDINAL
fsr-3530	867	2	431–477	CARDINAL
fsr-3530	867	3	2004	DATE
fsr-3530	869	1	w. gale	GPE
fsr-3530	869	2	j. shoven	PERSON
fsr-3530	869	3	m. warshawsky	PERSON
fsr-3530	871	1	washington	GPE
fsr-3530	871	2	dc	GPE
fsr-3530	872	1	schmeiser, m., & seligman	ORG
fsr-3530	872	2	j. (2013	ORG
fsr-3530	874	1	47	DATE
fsr-3530	874	2	243–262	CARDINAL
fsr-3530	875	1	https://doi.org/10.1111/joca.12010 b. j. davis et al	PERSON
fsr-3530	875	2	31	CARDINAL
fsr-3530	875	3	2023	CARDINAL
fsr-3530	875	4	133–150 149	CARDINAL
fsr-3530	875	5	j., & bose	ORG
fsr-3530	875	6	r.	NORP
fsr-3530	875	7	2012	DATE
fsr-3530	877	1	quarterly	DATE
fsr-3530	877	2	52	CARDINAL
fsr-3530	877	3	162–172	CARDINAL
fsr-3530	877	4	w.	PERSON
fsr-3530	877	5	mun	PERSON
fsr-3530	877	6	d., & mitchell	ORG
fsr-3530	877	7	b.	PERSON
fsr-3530	877	8	2016	DATE
fsr-3530	879	1	47	DATE
fsr-3530	879	2	193–210	CARDINAL
fsr-3530	879	3	10.1080/00220485.2016.1179145	CARDINAL
fsr-3530	879	4	2020	DATE
fsr-3530	881	1	52	CARDINAL
fsr-3530	881	2	747–776	CARDINAL
fsr-3530	881	3	collins	PERSON
fsr-3530	881	4	j., & brown	ORG
fsr-3530	881	5	2018	DATE
fsr-3530	883	1	78, 101786	DATE
fsr-3530	884	1	yakoboski	PERSON
fsr-3530	884	2	a., & hasler	ORG
fsr-3530	884	3	a.	PERSON
fsr-3530	884	4	2019	DATE
fsr-3530	885	1	the united states	GPE
fsr-3530	886	1	2019	CARDINAL
fsr-3530	887	1	charlotte	GPE
fsr-3530	887	2	nc	GPE
fsr-3530	888	1	150	CARDINAL
fsr-3530	888	2	b. j. davis et al	PERSON
fsr-3530	888	3	31	CARDINAL
fsr-3530	888	4	2023	CARDINAL
fsr-3530	888	5	133–150	CARDINAL