id	sid	eid	entity	type
fsr-3538	2	1	greg filbecka	PERSON
fsr-3538	2	2	xin zhaob	PERSON
fsr-3538	2	3	281	CARDINAL
fsr-3538	2	4	burke	GPE
fsr-3538	2	5	erie	GPE
fsr-3538	2	6	16563	DATE
fsr-3538	2	7	usa bpenn	GPE
fsr-3538	2	8	256	CARDINAL
fsr-3538	2	9	erie	GPE
fsr-3538	2	10	16563	DATE
fsr-3538	2	11	the cfa society pittsburgh	ORG
fsr-3538	2	12	2017–2019	CARDINAL
fsr-3538	2	13	covid-19	PERSON
fsr-3538	2	14	2020-2021	DATE
fsr-3538	5	1	four	CARDINAL
fsr-3538	9	1	2023	CARDINAL
fsr-3538	11	1	jel	ORG
fsr-3538	11	2	1	CARDINAL
fsr-3538	14	1	one	CARDINAL
fsr-3538	17	1	1057-0810/23/$	DATE
fsr-3538	17	2	2023	CARDINAL
fsr-3538	19	1	31	CARDINAL
fsr-3538	19	2	2023	CARDINAL
fsr-3538	19	3	169–196	CARDINAL
fsr-3538	20	1	covid-19	PRODUCT
fsr-3538	20	2	2020	DATE
fsr-3538	20	3	2021	CARDINAL
fsr-3538	24	1	the cfa society pittsburgh	ORG
fsr-3538	24	2	2017–2019	CARDINAL
fsr-3538	24	3	2020-2021	DATE
fsr-3538	38	1	2	CARDINAL
fsr-3538	38	2	2.1	CARDINAL
fsr-3538	40	1	semercioglu & akcay	ORG
fsr-3538	40	2	2016	DATE
fsr-3538	41	1	170	CARDINAL
fsr-3538	41	2	x. zhao	PERSON
fsr-3538	41	3	31	CARDINAL
fsr-3538	41	4	2023	CARDINAL
fsr-3538	41	5	169–196	CARDINAL
fsr-3538	42	1	semercioglu	PERSON
fsr-3538	42	2	akcay	PERSON
fsr-3538	43	1	the united states	GPE
fsr-3538	44	1	only 49%	PERCENT
fsr-3538	44	2	americans	NORP
fsr-3538	44	3	faulkner	ORG
fsr-3538	44	4	2017	DATE
fsr-3538	45	1	faulkner	PERSON
fsr-3538	45	2	the united states	GPE
fsr-3538	47	1	the united states	GPE
fsr-3538	47	2	around 5%	PERCENT
fsr-3538	47	3	the u.s. bureau of economic analysis	ORG
fsr-3538	47	4	faulkner	ORG
fsr-3538	47	5	2017	DATE
fsr-3538	48	1	henager	PERSON
fsr-3538	48	2	2016	CARDINAL
fsr-3538	52	1	monthly	DATE
fsr-3538	53	1	de beckker	PERSON
fsr-3538	53	2	de witte	PERSON
fsr-3538	53	3	2021	CARDINAL
fsr-3538	54	1	one	CARDINAL
fsr-3538	54	2	grigsby	PERSON
fsr-3538	54	3	van der klaauw	PERSON
fsr-3538	54	4	zafar	PERSON
fsr-3538	54	5	2016	DATE
fsr-3538	55	1	brown et al	PERSON
fsr-3538	56	1	americans	NORP
fsr-3538	56	2	the decade	DATE
fsr-3538	57	1	19 to 29	DATE
fsr-3538	59	1	huang, & trinh	ORG
fsr-3538	59	2	2019	DATE
fsr-3538	60	1	the early 2000s	DATE
fsr-3538	62	1	x. zhao	PERSON
fsr-3538	62	2	31	CARDINAL
fsr-3538	62	3	2023	CARDINAL
fsr-3538	62	4	169–196 171	CARDINAL
fsr-3538	63	1	fintech	ORG
fsr-3538	64	1	fintech	ORG
fsr-3538	64	2	panos & wilson	ORG
fsr-3538	64	3	2020	DATE
fsr-3538	65	1	one	CARDINAL
fsr-3538	68	1	panos & wilson	ORG
fsr-3538	70	1	janssen	PERSON
fsr-3538	70	2	kester	PERSON
fsr-3538	70	3	2019	DATE
fsr-3538	72	1	noetel	ORG
fsr-3538	72	2	griffith	PERSON
fsr-3538	72	3	delaney	ORG
fsr-3538	72	4	sanders	PERSON
fsr-3538	72	5	parker	GPE
fsr-3538	72	6	del pozo cruz	PERSON
fsr-3538	72	7	2020	DATE
fsr-3538	74	1	wolla	PERSON
fsr-3538	74	2	2017	CARDINAL
fsr-3538	74	3	fdic research	ORG
fsr-3538	74	4	80%	PERCENT
fsr-3538	74	5	the united states	GPE
fsr-3538	74	6	42%	PERCENT
fsr-3538	74	7	1998	DATE
fsr-3538	76	1	only 29.7%	PERCENT
fsr-3538	77	1	wolla	PERSON
fsr-3538	77	2	the federal reserve bank	ORG
fsr-3538	77	3	st. louis	GPE
fsr-3538	77	4	one	CARDINAL
fsr-3538	78	1	3,061	CARDINAL
fsr-3538	78	2	100	CARDINAL
fsr-3538	80	1	recent years	DATE
fsr-3538	80	2	kim	PERSON
fsr-3538	80	3	russell, & schroeder	ORG
fsr-3538	80	4	2017	DATE
fsr-3538	81	1	2017	CARDINAL
fsr-3538	83	1	kim et al	PERSON
fsr-3538	84	1	wolla	PERSON
fsr-3538	84	2	2017	CARDINAL
fsr-3538	84	3	wilson	PERSON
fsr-3538	84	4	2020	DATE
fsr-3538	84	5	172	CARDINAL
fsr-3538	84	6	x. zhao	PERSON
fsr-3538	84	7	31	CARDINAL
fsr-3538	84	8	2023	CARDINAL
fsr-3538	84	9	169–196	CARDINAL
fsr-3538	85	1	kim et al	PERSON
fsr-3538	86	1	2017	CARDINAL
fsr-3538	86	2	wolla	PERSON
fsr-3538	87	1	kim et al	PERSON
fsr-3538	92	1	kim et al	PERSON
fsr-3538	93	1	2017	CARDINAL
fsr-3538	94	1	first	ORDINAL
fsr-3538	97	1	second	ORDINAL
fsr-3538	99	1	third	ORDINAL
fsr-3538	100	1	fourth	ORDINAL
fsr-3538	101	1	cameron	PERSON
fsr-3538	101	2	calderwood	PERSON
fsr-3538	101	3	cox, lim	ORG
fsr-3538	101	4	yamaoka	PERSON
fsr-3538	101	5	2014	DATE
fsr-3538	103	1	two	CARDINAL
fsr-3538	104	1	first	ORDINAL
fsr-3538	106	1	secondly	ORDINAL
fsr-3538	106	2	wilson	PERSON
fsr-3538	106	3	2020	DATE
fsr-3538	106	4	2017	CARDINAL
fsr-3538	106	5	kim et al	PERSON
fsr-3538	107	1	2017	CARDINAL
fsr-3538	110	1	two	CARDINAL
fsr-3538	110	2	first	ORDINAL
fsr-3538	110	3	the cfa society pittsburgh’s	ORG
fsr-3538	110	4	x. zhao	PERSON
fsr-3538	110	5	31	CARDINAL
fsr-3538	110	6	2023	CARDINAL
fsr-3538	110	7	169–196 173	CARDINAL
fsr-3538	110	8	2017–2019	CARDINAL
fsr-3538	110	9	2020-2021	DATE
fsr-3538	111	1	second	ORDINAL
fsr-3538	112	1	four	CARDINAL
fsr-3538	113	1	zhao	PERSON
fsr-3538	113	2	2020	DATE
fsr-3538	113	3	mitchell	PERSON
fsr-3538	113	4	2008, 2011	DATE
fsr-3538	113	5	mitchell	PERSON
fsr-3538	113	6	2010	DATE
fsr-3538	114	1	2017-2019	DATE
fsr-3538	114	2	2020-2021	DATE
fsr-3538	116	1	2020	DATE
fsr-3538	116	2	20202021	DATE
fsr-3538	118	1	four	CARDINAL
fsr-3538	120	1	first	ORDINAL
fsr-3538	121	1	first	ORDINAL
fsr-3538	122	1	2018	DATE
fsr-3538	123	1	wilson	PERSON
fsr-3538	123	2	2020	DATE
fsr-3538	126	1	schneebaum	ORG
fsr-3538	126	2	2018	DATE
fsr-3538	127	1	preston	PERSON
fsr-3538	127	2	wright	PERSON
fsr-3538	127	3	2019	DATE
fsr-3538	127	4	australia	GPE
fsr-3538	129	1	one	CARDINAL
fsr-3538	130	1	lusardi	PERSON
fsr-3538	130	2	mitchell	PERSON
fsr-3538	130	3	2014	DATE
fsr-3538	130	4	bucher-koenen	PERSON
fsr-3538	130	5	lusardi	PERSON
fsr-3538	130	6	alessie	ORG
fsr-3538	130	7	van rooij	PERSON
fsr-3538	130	8	2017	CARDINAL
fsr-3538	132	1	wagner	PERSON
fsr-3538	132	2	2017	DATE
fsr-3538	136	1	174	CARDINAL
fsr-3538	136	2	x. zhao	PERSON
fsr-3538	136	3	31	CARDINAL
fsr-3538	136	4	2023	CARDINAL
fsr-3538	136	5	169–196	CARDINAL
fsr-3538	137	1	saygin	PERSON
fsr-3538	137	2	atwater	PERSON
fsr-3538	137	3	2021	CARDINAL
fsr-3538	140	1	2020	DATE
fsr-3538	140	2	heaney	PERSON
fsr-3538	140	3	2019	DATE
fsr-3538	141	1	3	CARDINAL
fsr-3538	141	2	the cfa society pittsburgh	ORG
fsr-3538	142	1	48	CARDINAL
fsr-3538	142	2	pennsylvania	GPE
fsr-3538	142	3	hour	TIME
fsr-3538	143	1	the cfa society pittsburgh	ORG
fsr-3538	143	2	the missing semester	DATE
fsr-3538	143	3	kabala &	ORG
fsr-3538	143	4	2012	DATE
fsr-3538	143	5	second	ORDINAL
fsr-3538	143	6	2020	DATE
fsr-3538	145	1	the cfa society pittsburgh	ORG
fsr-3538	154	1	a week	DATE
fsr-3538	155	1	2,297	CARDINAL
fsr-3538	155	2	1,622	CARDINAL
fsr-3538	155	3	2017-2019	DATE
fsr-3538	155	4	675	CARDINAL
fsr-3538	155	5	2020-2021	DATE
fsr-3538	155	6	108	CARDINAL
fsr-3538	155	7	79	CARDINAL
fsr-3538	155	8	2017-2019	DATE
fsr-3538	155	9	29	CARDINAL
fsr-3538	155	10	2020-2021	DATE
fsr-3538	157	1	•	CARDINAL
fsr-3538	157	2	four	CARDINAL
fsr-3538	158	1	x. zhao	PERSON
fsr-3538	158	2	31	CARDINAL
fsr-3538	158	3	2023	CARDINAL
fsr-3538	158	4	169–196	CARDINAL
fsr-3538	158	5	four	CARDINAL
fsr-3538	160	1	2020-2021	DATE
fsr-3538	161	1	zhao	PERSON
fsr-3538	161	2	2020	DATE
fsr-3538	162	1	three	CARDINAL
fsr-3538	162	2	1	CARDINAL
fsr-3538	163	1	2,297	CARDINAL
fsr-3538	163	2	only 1,138	CARDINAL
fsr-3538	163	3	2,075	CARDINAL
fsr-3538	163	4	90.3%	PERCENT
fsr-3538	164	1	1,021	CARDINAL
fsr-3538	164	2	89.7%	PERCENT
fsr-3538	166	1	approximately 47.0%	PERCENT
fsr-3538	166	2	48.6%	PERCENT
fsr-3538	167	1	2020-2021	DATE
fsr-3538	167	2	29.4%	PERCENT
fsr-3538	167	3	26.8%	PERCENT
fsr-3538	168	1	94.9%	PERCENT
fsr-3538	168	2	98.0%	PERCENT
fsr-3538	168	3	2020-2021	DATE
fsr-3538	168	4	88.0%	PERCENT
fsr-3538	168	5	86.7%	PERCENT
fsr-3538	169	1	2020-2021	DATE
fsr-3538	170	1	3.1	CARDINAL
fsr-3538	171	1	zhao	PERSON
fsr-3538	171	2	2020	DATE
fsr-3538	171	3	baker	PERSON
fsr-3538	171	4	2016	DATE
fsr-3538	171	5	1	CARDINAL
fsr-3538	171	6	9th 10th 11th 12th	DATE
fsr-3538	171	7	a. whole	PERSON
fsr-3538	171	8	2017–2019	TIME
fsr-3538	171	9	36	CARDINAL
fsr-3538	171	10	536 758	CARDINAL
fsr-3538	171	11	54	CARDINAL
fsr-3538	171	12	11	CARDINAL
fsr-3538	171	13	105 320	CARDINAL
fsr-3538	171	14	3	CARDINAL
fsr-3538	171	15	213	CARDINAL
fsr-3538	171	16	355	CARDINAL
fsr-3538	171	17	104	CARDINAL
fsr-3538	171	18	1321	CARDINAL
fsr-3538	171	19	2297	CARDINAL
fsr-3538	171	20	2017–2019	TIME
fsr-3538	171	21	19	CARDINAL
fsr-3538	171	22	394	CARDINAL
fsr-3538	171	23	30	CARDINAL
fsr-3538	171	24	261	CARDINAL
fsr-3538	171	25	1 1	CARDINAL
fsr-3538	171	26	52 160	CARDINAL
fsr-3538	171	27	0	CARDINAL
fsr-3538	171	28	145	CARDINAL
fsr-3538	171	29	50 67	CARDINAL
fsr-3538	171	30	1138	PRODUCT
fsr-3538	172	1	1	CARDINAL
fsr-3538	173	1	176	CARDINAL
fsr-3538	173	2	x. zhao	PERSON
fsr-3538	173	3	31	CARDINAL
fsr-3538	173	4	2023	CARDINAL
fsr-3538	173	5	169–196	CARDINAL
fsr-3538	173	6	four	CARDINAL
fsr-3538	177	1	appendix d.	NORP
fsr-3538	178	1	three	CARDINAL
fsr-3538	178	2	english	LANGUAGE
fsr-3538	179	1	al	ORG
fsr-3538	180	1	2018	DATE
fsr-3538	181	1	two	CARDINAL
fsr-3538	183	1	21	CARDINAL
fsr-3538	183	2	three	CARDINAL
fsr-3538	183	3	six	CARDINAL
fsr-3538	183	4	12	CARDINAL
fsr-3538	184	1	5	CARDINAL
fsr-3538	184	2	1	CARDINAL
fsr-3538	184	3	5	CARDINAL
fsr-3538	185	1	three	CARDINAL
fsr-3538	188	1	five	CARDINAL
fsr-3538	190	1	at least one	CARDINAL
fsr-3538	191	1	two	CARDINAL
fsr-3538	192	1	first	ORDINAL
fsr-3538	192	2	1	CARDINAL
fsr-3538	192	3	0	CARDINAL
fsr-3538	193	1	secondly	ORDINAL
fsr-3538	193	2	1	CARDINAL
fsr-3538	194	1	five	CARDINAL
fsr-3538	195	1	five	CARDINAL
fsr-3538	195	2	two	CARDINAL
fsr-3538	195	3	three	CARDINAL
fsr-3538	198	1	hours	TIME
fsr-3538	201	1	2020-2021	DATE
fsr-3538	202	1	g. filbeck	PERSON
fsr-3538	202	2	x. zhao	PERSON
fsr-3538	202	3	31	CARDINAL
fsr-3538	202	4	2023	CARDINAL
fsr-3538	202	5	169–196	CARDINAL
fsr-3538	202	6	4	CARDINAL
fsr-3538	202	7	4.1	CARDINAL
fsr-3538	203	1	two	CARDINAL
fsr-3538	204	1	2017-2019	DATE
fsr-3538	204	2	2020-2021	DATE
fsr-3538	205	1	2	CARDINAL
fsr-3538	205	2	four	CARDINAL
fsr-3538	206	1	2	CARDINAL
fsr-3538	207	1	2a	CARDINAL
fsr-3538	209	1	1%	PERCENT
fsr-3538	210	1	2020-2021	DATE
fsr-3538	211	1	1%	PERCENT
fsr-3538	211	2	2	CARDINAL
fsr-3538	211	3	a. financial	PERSON
fsr-3538	212	1	33.893	CARDINAL
fsr-3538	212	2	14.895 14.835	CARDINAL
fsr-3538	212	3	2.982	CARDINAL
fsr-3538	212	4	2.934 3.100	CARDINAL
fsr-3538	212	5	1.667	CARDINAL
fsr-3538	212	6	1.977	CARDINAL
fsr-3538	212	7	1.717	CARDINAL
fsr-3538	213	1	2	CARDINAL
fsr-3538	215	1	appendix	NORP
fsr-3538	215	2	2a	CARDINAL
fsr-3538	216	1	1	CARDINAL
fsr-3538	216	2	0	CARDINAL
fsr-3538	217	1	2020-2021	DATE
fsr-3538	217	2	zero	CARDINAL
fsr-3538	217	3	2017 to 2019	DATE
fsr-3538	221	1	0.01	CARDINAL
fsr-3538	221	2	0.05	CARDINAL
fsr-3538	221	3	0.10	CARDINAL
fsr-3538	221	4	178	CARDINAL
fsr-3538	221	5	x. zhao	PERSON
fsr-3538	221	6	31	CARDINAL
fsr-3538	221	7	2023	CARDINAL
fsr-3538	221	8	169–196	CARDINAL
fsr-3538	222	1	1%	PERCENT
fsr-3538	224	1	wagner	PERSON
fsr-3538	224	2	2017	CARDINAL
fsr-3538	224	3	atwater	PERSON
fsr-3538	224	4	2021	CARDINAL
fsr-3538	225	1	2017	DATE
fsr-3538	226	1	3	CARDINAL
fsr-3538	226	2	two	CARDINAL
fsr-3538	228	1	three	CARDINAL
fsr-3538	228	2	three	CARDINAL
fsr-3538	229	1	0.76	CARDINAL
fsr-3538	230	1	four	CARDINAL
fsr-3538	230	2	2017-2019	DATE
fsr-3538	230	3	20202021	DATE
fsr-3538	231	1	4.2	CARDINAL
fsr-3538	232	1	833	CARDINAL
fsr-3538	232	2	2017-2019	DATE
fsr-3538	232	3	305	CARDINAL
fsr-3538	232	4	2020-2021	DATE
fsr-3538	237	1	4	CARDINAL
fsr-3538	237	2	four	CARDINAL
fsr-3538	238	1	4	CARDINAL
fsr-3538	238	2	4a	CARDINAL
fsr-3538	239	1	1-5	DATE
fsr-3538	239	2	1	CARDINAL
fsr-3538	239	3	5	CARDINAL
fsr-3538	240	1	4	CARDINAL
fsr-3538	240	2	appendix f	PERSON
fsr-3538	240	3	4a	CARDINAL
fsr-3538	241	1	3.54	CARDINAL
fsr-3538	241	2	3.81	CARDINAL
fsr-3538	243	1	1%	PERCENT
fsr-3538	243	2	one	CARDINAL
fsr-3538	244	1	covid-19	PERSON
fsr-3538	244	2	x. zhao	PERSON
fsr-3538	244	3	31	CARDINAL
fsr-3538	244	4	2023	CARDINAL
fsr-3538	244	5	169–196	CARDINAL
fsr-3538	244	6	179	CARDINAL
fsr-3538	245	1	roth ira	PERSON
fsr-3538	245	2	1.653	CARDINAL
fsr-3538	245	3	1.376	CARDINAL
fsr-3538	246	1	3	CARDINAL
fsr-3538	246	2	a. whole	PERSON
fsr-3538	246	3	corr 1.000 p	ORG
fsr-3538	246	4	corr 0.357	PERSON
fsr-3538	246	5	1.000	CARDINAL
fsr-3538	246	6	corr 0.286	PERSON
fsr-3538	246	7	1.000	CARDINAL
fsr-3538	246	8	corr	PERSON
fsr-3538	246	9	0.364	CARDINAL
fsr-3538	246	10	0.759	CARDINAL
fsr-3538	246	11	1.000	CARDINAL
fsr-3538	246	12	2017–2019	CARDINAL
fsr-3538	246	13	1.000	CARDINAL
fsr-3538	246	14	corr 0.349**	PERSON
fsr-3538	246	15	1.000	CARDINAL
fsr-3538	246	16	0.291	CARDINAL
fsr-3538	246	17	0.255	CARDINAL
fsr-3538	246	18	1.000	CARDINAL
fsr-3538	246	19	corr	PERSON
fsr-3538	246	20	0.366	CARDINAL
fsr-3538	246	21	0.255	CARDINAL
fsr-3538	246	22	1.000	CARDINAL
fsr-3538	246	23	2020–2021	CARDINAL
fsr-3538	246	24	1.000	CARDINAL
fsr-3538	246	25	corr 0.384**	PERSON
fsr-3538	246	26	1.000	CARDINAL
fsr-3538	246	27	0.276	CARDINAL
fsr-3538	246	28	0.293	CARDINAL
fsr-3538	246	29	1.000	CARDINAL
fsr-3538	246	30	corr	PERSON
fsr-3538	246	31	0.359	CARDINAL
fsr-3538	246	32	0.292	CARDINAL
fsr-3538	246	33	0.774	CARDINAL
fsr-3538	246	34	1.000	CARDINAL
fsr-3538	247	1	3	CARDINAL
fsr-3538	249	1	0.01	CARDINAL
fsr-3538	249	2	0.05	CARDINAL
fsr-3538	249	3	0.10	CARDINAL
fsr-3538	250	1	180	CARDINAL
fsr-3538	250	2	x. zhao	PERSON
fsr-3538	250	3	31	CARDINAL
fsr-3538	250	4	2023	CARDINAL
fsr-3538	250	5	169–196	CARDINAL
fsr-3538	250	6	1%	PERCENT
fsr-3538	252	1	5%	PERCENT
fsr-3538	254	1	0.251	CARDINAL
fsr-3538	254	2	0.200	CARDINAL
fsr-3538	256	1	two	CARDINAL
fsr-3538	257	1	two	CARDINAL
fsr-3538	259	1	5	CARDINAL
fsr-3538	261	1	1%	PERCENT
fsr-3538	263	1	heaney	PERSON
fsr-3538	263	2	2019	DATE
fsr-3538	264	1	5	CARDINAL
fsr-3538	264	2	2017-2019	DATE
fsr-3538	264	3	2020-2021	DATE
fsr-3538	266	1	2017	CARDINAL
fsr-3538	267	1	2020-2021	DATE
fsr-3538	267	2	20172019	DATE
fsr-3538	268	1	covid-19	PERSON
fsr-3538	270	1	6	CARDINAL
fsr-3538	271	1	4	CARDINAL
fsr-3538	271	2	a. financial	PERSON
fsr-3538	271	3	43.963 10.125 36.38	MONEY
fsr-3538	271	4	14.944	CARDINAL
fsr-3538	271	5	2.970	CARDINAL
fsr-3538	271	6	1.009 18.55	CARDINAL
fsr-3538	271	7	1.690 0.482	CARDINAL
fsr-3538	271	8	1.209	CARDINAL
fsr-3538	271	9	22.43	CARDINAL
fsr-3538	272	1	4	CARDINAL
fsr-3538	274	1	0.01	CARDINAL
fsr-3538	274	2	0.05	CARDINAL
fsr-3538	274	3	0.10	CARDINAL
fsr-3538	275	1	g. filbeck	PERSON
fsr-3538	275	2	x. zhao	PERSON
fsr-3538	275	3	31	CARDINAL
fsr-3538	275	4	2023	CARDINAL
fsr-3538	275	5	169–196	CARDINAL
fsr-3538	275	6	5	CARDINAL
fsr-3538	275	7	tte st r es u lt s	PERSON
fsr-3538	275	8	o	DATE
fsr-3538	275	9	-s	NORP
fsr-3538	277	1	io	LOC
fsr-3538	278	1	je ct iv e	PERSON
fsr-3538	278	2	o	DATE
fsr-3538	279	1	o	DATE
fsr-3538	279	2	st p	GPE
fsr-3538	279	3	o	DATE
fsr-3538	280	1	o	DATE
fsr-3538	280	2	st p	GPE
fsr-3538	280	3	o	DATE
fsr-3538	281	1	o	DATE
fsr-3538	282	1	o	DATE
fsr-3538	284	1	al e	PERSON
fsr-3538	286	1	1 4 .9	MONEY
fsr-3538	287	1	3 .2	MONEY
fsr-3538	287	2	2	CARDINAL
fsr-3538	288	1	1	CARDINAL
fsr-3538	291	1	2	CARDINAL
fsr-3538	292	1	1 4 .9	MONEY
fsr-3538	293	1	3	CARDINAL
fsr-3538	295	1	1 .9	MONEY
fsr-3538	295	2	1 .4 4 6	MONEY
fsr-3538	295	3	1	CARDINAL
fsr-3538	295	4	2	CARDINAL
fsr-3538	295	5	2 .0	MONEY
fsr-3538	296	1	0	CARDINAL
fsr-3538	296	2	1 3	CARDINAL
fsr-3538	302	1	ea	CARDINAL
fsr-3538	302	2	ea	CARDINAL
fsr-3538	302	3	2	CARDINAL
fsr-3538	302	4	3	CARDINAL
fsr-3538	303	1	1 4 .7	QUANTITY
fsr-3538	303	2	3 9	TIME
fsr-3538	304	1	2	CARDINAL
fsr-3538	304	2	3	CARDINAL
fsr-3538	304	3	4	CARDINAL
fsr-3538	305	1	1	CARDINAL
fsr-3538	306	1	ea	CARDINAL
fsr-3538	306	2	2	CARDINAL
fsr-3538	306	3	2	CARDINAL
fsr-3538	306	4	2	CARDINAL
fsr-3538	306	5	2 1	DATE
fsr-3538	306	6	4	CARDINAL
fsr-3538	306	7	1 5	CARDINAL
fsr-3538	306	8	3	CARDINAL
fsr-3538	306	9	1	CARDINAL
fsr-3538	306	10	2	CARDINAL
fsr-3538	307	1	3	CARDINAL
fsr-3538	307	2	4	CARDINAL
fsr-3538	308	1	5 3	TIME
fsr-3538	310	1	0	CARDINAL
fsr-3538	311	1	0	CARDINAL
fsr-3538	313	1	t ab le 5	ORG
fsr-3538	314	1	tte st	PERSON
fsr-3538	315	1	o	DATE
fsr-3538	315	2	io	LOC
fsr-3538	315	3	je ct iv e	PERSON
fsr-3538	315	4	o	DATE
fsr-3538	315	5	al li	PERSON
fsr-3538	320	1	0 .0 1	QUANTITY
fsr-3538	320	2	0 .0 5	PERCENT
fsr-3538	320	3	ec	ORG
fsr-3538	321	1	182	CARDINAL
fsr-3538	321	2	x. zhao	PERSON
fsr-3538	321	3	31	CARDINAL
fsr-3538	321	4	2023	CARDINAL
fsr-3538	321	5	169–196	CARDINAL
fsr-3538	321	6	6	CARDINAL
fsr-3538	321	7	1	CARDINAL
fsr-3538	321	8	2	CARDINAL
fsr-3538	321	9	3	CARDINAL
fsr-3538	321	10	4	CARDINAL
fsr-3538	326	1	diff_obj dep	ORG
fsr-3538	328	1	a. ols	PERSON
fsr-3538	328	2	6.740 0.46	QUANTITY
fsr-3538	328	3	0.47	CARDINAL
fsr-3538	328	4	1.91	CARDINAL
fsr-3538	328	5	8.520	CARDINAL
fsr-3538	328	6	1.01 year	DATE
fsr-3538	328	7	0.036	CARDINAL
fsr-3538	328	8	0.13	CARDINAL
fsr-3538	328	9	0.311 1.89	CARDINAL
fsr-3538	328	10	0.351	CARDINAL
fsr-3538	328	11	2.23	CARDINAL
fsr-3538	328	12	0.022 0.10	CARDINAL
fsr-3538	328	13	2.28	CARDINAL
fsr-3538	328	14	0.274 2.02	CARDINAL
fsr-3538	328	15	0.460	CARDINAL
fsr-3538	328	16	3.53	CARDINAL
fsr-3538	328	17	0.76 1.606 1.45	MONEY
fsr-3538	328	18	0.071	CARDINAL
fsr-3538	328	19	0.32	CARDINAL
fsr-3538	328	20	0.162	CARDINAL
fsr-3538	328	21	1.01	CARDINAL
fsr-3538	328	22	0.149	CARDINAL
fsr-3538	328	23	1.55	CARDINAL
fsr-3538	328	24	1.225	CARDINAL
fsr-3538	328	25	4.42	CARDINAL
fsr-3538	328	26	6.492	CARDINAL
fsr-3538	328	27	7.89	CARDINAL
fsr-3538	328	28	0.822	CARDINAL
fsr-3538	328	29	4.96	CARDINAL
fsr-3538	328	30	0.741 4.66	CARDINAL
fsr-3538	328	31	0.42	MONEY
fsr-3538	328	32	0.695	CARDINAL
fsr-3538	328	33	0.80	CARDINAL
fsr-3538	328	34	0.510	MONEY
fsr-3538	328	35	0.05 31.186 1.09	MONEY
fsr-3538	328	36	3.677	CARDINAL
fsr-3538	328	37	0.64	CARDINAL
fsr-3538	328	38	0.16	CARDINAL
fsr-3538	328	39	2.788 1.89	CARDINAL
fsr-3538	328	40	11.935	CARDINAL
fsr-3538	328	41	2.73	CARDINAL
fsr-3538	328	42	2.369 2.69	CARDINAL
fsr-3538	328	43	1.949	CARDINAL
fsr-3538	328	44	2.31	CARDINAL
fsr-3538	328	45	1	CARDINAL
fsr-3538	328	46	2	CARDINAL
fsr-3538	328	47	3	CARDINAL
fsr-3538	328	48	4	CARDINAL
fsr-3538	332	1	diff_obj dep	ORG
fsr-3538	334	1	b. glm	PERSON
fsr-3538	334	2	3.087 4.17	CARDINAL
fsr-3538	334	3	7.549 3.71	CARDINAL
fsr-3538	334	4	1.091 2.57	CARDINAL
fsr-3538	334	5	1.662	CARDINAL
fsr-3538	334	6	3.18	CARDINAL
fsr-3538	334	7	year 2020	DATE
fsr-3538	334	8	0.782	CARDINAL
fsr-3538	334	9	2.02	CARDINAL
fsr-3538	334	10	1.062	CARDINAL
fsr-3538	334	11	0.60	CARDINAL
fsr-3538	334	12	0.055	CARDINAL
fsr-3538	334	13	0.18	CARDINAL
fsr-3538	334	14	0.169 1.07 2.313 3.66	QUANTITY
fsr-3538	334	15	0.397 3.09	CARDINAL
fsr-3538	334	16	4.71	CARDINAL
fsr-3538	334	17	0.359	CARDINAL
fsr-3538	334	18	1.14	CARDINAL
fsr-3538	334	19	0.020	CARDINAL
fsr-3538	334	20	0.08	CARDINAL
fsr-3538	334	21	0.238	CARDINAL
fsr-3538	334	22	1.69	CARDINAL
fsr-3538	334	23	0.073	CARDINAL
fsr-3538	334	24	0.76	CARDINAL
fsr-3538	334	25	0.014 0.05	CARDINAL
fsr-3538	334	26	1.250	CARDINAL
fsr-3538	334	27	2.20	CARDINAL
fsr-3538	334	28	0.231	CARDINAL
fsr-3538	334	29	2.33	CARDINAL
fsr-3538	334	30	0.071 0.54	CARDINAL
fsr-3538	334	31	0.082	CARDINAL
fsr-3538	334	32	0.26	CARDINAL
fsr-3538	334	33	0.15	CARDINAL
fsr-3538	334	34	0.247	CARDINAL
fsr-3538	334	35	1.50	CARDINAL
fsr-3538	334	36	0.582	CARDINAL
fsr-3538	334	37	0.78	CARDINAL
fsr-3538	334	38	0.248	CARDINAL
fsr-3538	334	39	1.97	CARDINAL
fsr-3538	334	40	0.184 1.67	CARDINAL
fsr-3538	334	41	1.11	CARDINAL
fsr-3538	334	42	0.86	CARDINAL
fsr-3538	334	43	1.17	CARDINAL
fsr-3538	334	44	1.638	CARDINAL
fsr-3538	334	45	1.83	CARDINAL
fsr-3538	334	46	0.236	CARDINAL
fsr-3538	334	47	1.50	CARDINAL
fsr-3538	334	48	0.300 1.94	QUANTITY
fsr-3538	334	49	0.125	CARDINAL
fsr-3538	334	50	0.35	CARDINAL
fsr-3538	334	51	1.424	CARDINAL
fsr-3538	334	52	1.54	CARDINAL
fsr-3538	334	53	0.101	CARDINAL
fsr-3538	334	54	0.55 0.143 0.98	MONEY
fsr-3538	334	55	0.196	PRODUCT
fsr-3538	334	56	1.13	CARDINAL
fsr-3538	334	57	0.675 1.04 0.209 1.39	MONEY
fsr-3538	334	58	0.142	CARDINAL
fsr-3538	334	59	1.10	CARDINAL
fsr-3538	335	1	6	CARDINAL
fsr-3538	338	1	diff_obj	ORG
fsr-3538	339	1	year2020	PERSON
fsr-3538	339	2	1	CARDINAL
fsr-3538	339	3	2020-2021	DATE
fsr-3538	340	1	1	CARDINAL
fsr-3538	340	2	0	CARDINAL
fsr-3538	341	1	1	CARDINAL
fsr-3538	341	2	0	CARDINAL
fsr-3538	342	1	english	LANGUAGE
fsr-3538	342	2	1	CARDINAL
fsr-3538	342	3	english	LANGUAGE
fsr-3538	342	4	0	CARDINAL
fsr-3538	343	1	lbd	ORG
fsr-3538	343	2	1	CARDINAL
fsr-3538	343	3	0	CARDINAL
fsr-3538	344	1	gpa	ORG
fsr-3538	345	1	log(population	PERSON
fsr-3538	349	1	0.01	CARDINAL
fsr-3538	349	2	0.05	CARDINAL
fsr-3538	349	3	0.10	CARDINAL
fsr-3538	350	1	g. filbeck	PERSON
fsr-3538	350	2	x. zhao	PERSON
fsr-3538	350	3	31	CARDINAL
fsr-3538	350	4	2023	CARDINAL
fsr-3538	350	5	169–196 183	CARDINAL
fsr-3538	351	1	diff_obj	ORG
fsr-3538	352	1	appendix d.	NORP
fsr-3538	354	1	2017	CARDINAL
fsr-3538	356	1	2017	CARDINAL
fsr-3538	358	1	2020-2021	DATE
fsr-3538	359	1	2020-2021	DATE
fsr-3538	364	1	1	CARDINAL
fsr-3538	364	2	2020-2021	DATE
fsr-3538	365	1	1	CARDINAL
fsr-3538	366	1	6	CARDINAL
fsr-3538	368	1	5	CARDINAL
fsr-3538	370	1	first	ORDINAL
fsr-3538	370	2	english	LANGUAGE
fsr-3538	371	1	english	LANGUAGE
fsr-3538	373	1	4	CARDINAL
fsr-3538	375	1	1	CARDINAL
fsr-3538	375	2	about 52%	PERCENT
fsr-3538	375	3	51%	PERCENT
fsr-3538	375	4	2017-2019	DATE
fsr-3538	375	5	20202021	DATE
fsr-3538	375	6	50%	PERCENT
fsr-3538	375	7	41%	PERCENT
fsr-3538	376	1	2017-2019	DATE
fsr-3538	376	2	184	CARDINAL
fsr-3538	376	3	x. zhao	PERSON
fsr-3538	376	4	31	CARDINAL
fsr-3538	376	5	2023	CARDINAL
fsr-3538	376	6	169–196	CARDINAL
fsr-3538	376	7	roughly 51% to 52%	PERCENT
fsr-3538	377	1	2020-2021	DATE
fsr-3538	377	2	50%	PERCENT
fsr-3538	377	3	about 59%	PERCENT
fsr-3538	378	1	2017-2019	DATE
fsr-3538	378	2	2020-2021	DATE
fsr-3538	378	3	2020-2021	DATE
fsr-3538	379	1	2020-2021	DATE
fsr-3538	382	1	7	CARDINAL
fsr-3538	383	1	#	PRODUCT
fsr-3538	384	1	1	CARDINAL
fsr-3538	384	2	0	CARDINAL
fsr-3538	385	1	#	PRODUCT
fsr-3538	386	1	2020-2021	DATE
fsr-3538	386	2	2017-2019	DATE
fsr-3538	387	1	6	CARDINAL
fsr-3538	387	2	appendix d.	NORP
fsr-3538	388	1	7	CARDINAL
fsr-3538	388	2	four	CARDINAL
fsr-3538	389	1	7	CARDINAL
fsr-3538	389	2	2-4	MONEY
fsr-3538	390	1	6	CARDINAL
fsr-3538	391	1	2-4	MONEY
fsr-3538	392	1	#	PRODUCT
fsr-3538	394	1	5	CARDINAL
fsr-3538	395	1	g. filbeck	PERSON
fsr-3538	395	2	x. zhao	PERSON
fsr-3538	395	3	31	CARDINAL
fsr-3538	395	4	2023	CARDINAL
fsr-3538	395	5	169–196 185	CARDINAL
fsr-3538	395	6	ab le 7	ORG
fsr-3538	398	1	o	DATE
fsr-3538	399	1	el m	ORG
fsr-3538	399	2	1	CARDINAL
fsr-3538	400	1	o	DATE
fsr-3538	400	2	2	CARDINAL
fsr-3538	400	3	o	DATE
fsr-3538	400	4	3	CARDINAL
fsr-3538	402	1	v ar	PERSON
fsr-3538	404	1	v ar	PERSON
fsr-3538	407	1	je ct iv e	PERSON
fsr-3538	408	1	v ar	PERSON
fsr-3538	410	1	-s	NORP
fsr-3538	412	1	-s	NORP
fsr-3538	414	1	-s	NORP
fsr-3538	416	1	-s	NORP
fsr-3538	417	1	1	CARDINAL
fsr-3538	418	1	3 2 .7	QUANTITY
fsr-3538	419	1	1 .1	PERCENT
fsr-3538	419	2	4	CARDINAL
fsr-3538	420	1	2	CARDINAL
fsr-3538	420	2	4 1 3 .1 8	TIME
fsr-3538	421	1	ea	CARDINAL
fsr-3538	423	1	4	CARDINAL
fsr-3538	426	1	.1	DATE
fsr-3538	428	1	o	DATE
fsr-3538	428	2	3	CARDINAL
fsr-3538	429	1	8 .8	PERCENT
fsr-3538	433	1	6	CARDINAL
fsr-3538	435	1	1 4 .2 5	MONEY
fsr-3538	436	1	o	DATE
fsr-3538	436	2	ea	CARDINAL
fsr-3538	436	3	0	CARDINAL
fsr-3538	437	1	2 .4 6	MONEY
fsr-3538	440	1	0	CARDINAL
fsr-3538	442	1	0 .3 4	MONEY
fsr-3538	442	2	1 .4 6 2	MONEY
fsr-3538	442	3	4	CARDINAL
fsr-3538	445	1	3	CARDINAL
fsr-3538	446	1	o	DATE
fsr-3538	446	2	#	CARDINAL
fsr-3538	447	1	0	CARDINAL
fsr-3538	447	2	9	CARDINAL
fsr-3538	449	1	0	CARDINAL
fsr-3538	450	1	6 8 1 .6 1	QUANTITY
fsr-3538	450	2	0	CARDINAL
fsr-3538	451	1	0	CARDINAL
fsr-3538	454	1	9	CARDINAL
fsr-3538	454	2	8	CARDINAL
fsr-3538	454	3	2 5	CARDINAL
fsr-3538	454	4	7	CARDINAL
fsr-3538	454	5	2	CARDINAL
fsr-3538	455	1	0 .1	MONEY
fsr-3538	456	1	0	CARDINAL
fsr-3538	460	1	1	CARDINAL
fsr-3538	460	2	1	CARDINAL
fsr-3538	460	3	0 .0 6 2	MONEY
fsr-3538	460	4	0	CARDINAL
fsr-3538	461	1	2	CARDINAL
fsr-3538	461	2	2	CARDINAL
fsr-3538	461	3	6	CARDINAL
fsr-3538	461	4	0	CARDINAL
fsr-3538	461	5	7	CARDINAL
fsr-3538	461	6	0 .0 5 9	MONEY
fsr-3538	461	7	0	CARDINAL
fsr-3538	462	1	0 .4 2	MONEY
fsr-3538	465	1	0 .0	MONEY
fsr-3538	465	2	0 .0	MONEY
fsr-3538	465	3	7	CARDINAL
fsr-3538	467	1	0	CARDINAL
fsr-3538	467	2	0 1 " 1 .4 3	QUANTITY
fsr-3538	467	3	0 .0	MONEY
fsr-3538	467	4	0	CARDINAL
fsr-3538	467	5	5	CARDINAL
fsr-3538	467	6	9	CARDINAL
fsr-3538	467	7	0	CARDINAL
fsr-3538	468	1	1 5	CARDINAL
fsr-3538	468	2	0 .1 7	EVENT
fsr-3538	468	3	0	CARDINAL
fsr-3538	469	1	0	CARDINAL
fsr-3538	471	1	0	CARDINAL
fsr-3538	472	1	o te	PERSON
fsr-3538	473	1	t ab le 7	ORG
fsr-3538	475	1	o	DATE
fsr-3538	477	1	ec	ORG
fsr-3538	477	2	ifi	PRODUCT
fsr-3538	477	3	u se o u tc	ORG
fsr-3538	477	4	ia	GPE
fsr-3538	478	1	io	LOC
fsr-3538	478	2	je ct iv e	PERSON
fsr-3538	479	1	ia	GPE
fsr-3538	481	1	o	DATE
fsr-3538	482	1	o	DATE
fsr-3538	483	1	-s	NORP
fsr-3538	483	2	a. w e	FAC
fsr-3538	483	3	ri st	PERSON
fsr-3538	485	1	w	GPE
fsr-3538	486	1	u st er ed	FAC
fsr-3538	487	1	io	LOC
fsr-3538	487	2	je ct iv e	PERSON
fsr-3538	487	3	sc	GPE
fsr-3538	487	4	o	DATE
fsr-3538	487	5	k n	ORG
fsr-3538	488	1	je ct iv e	PERSON
fsr-3538	488	2	ea	CARDINAL
fsr-3538	489	1	2 0	DATE
fsr-3538	489	2	y v ar	PERSON
fsr-3538	489	3	ia	GPE
fsr-3538	489	4	1	CARDINAL
fsr-3538	491	1	2	CARDINAL
fsr-3538	491	2	2	CARDINAL
fsr-3538	492	1	o	DATE
fsr-3538	492	2	y v ar	PERSON
fsr-3538	492	3	ia	GPE
fsr-3538	492	4	1	CARDINAL
fsr-3538	492	5	su rv ey sc	PERSON
fsr-3538	493	1	o	DATE
fsr-3538	494	1	-s	NORP
fsr-3538	495	1	e. p	PERSON
fsr-3538	496	1	o	DATE
fsr-3538	496	2	ea	CARDINAL
fsr-3538	496	3	0 20	CARDINAL
fsr-3538	496	4	ct io n te rm o	PERSON
fsr-3538	497	1	o	DATE
fsr-3538	497	2	ea	CARDINAL
fsr-3538	497	3	0 2	CARDINAL
fsr-3538	498	1	al e	PERSON
fsr-3538	498	2	y v ar	PERSON
fsr-3538	498	3	ia	GPE
fsr-3538	498	4	1	CARDINAL
fsr-3538	498	5	al e st u	PERSON
fsr-3538	498	6	e. p	PERSON
fsr-3538	499	1	o	DATE
fsr-3538	499	2	ct io n te rm o	PERSON
fsr-3538	500	1	o	DATE
fsr-3538	501	1	al e. u	ORG
fsr-3538	502	1	y v ar	PERSON
fsr-3538	502	2	ia	GPE
fsr-3538	502	3	1	CARDINAL
fsr-3538	503	1	e. e n g li	PERSON
fsr-3538	504	1	s ci en ce	ORG
fsr-3538	504	2	y v ar	PERSON
fsr-3538	504	3	ia	GPE
fsr-3538	504	4	1	CARDINAL
fsr-3538	504	5	o	DATE
fsr-3538	504	6	ri te su	PERSON
fsr-3538	505	1	sc	GPE
fsr-3538	506	1	e. l	PERSON
fsr-3538	508	1	y v ar	PERSON
fsr-3538	508	2	ia	GPE
fsr-3538	508	3	1	CARDINAL
fsr-3538	509	1	g w	FAC
fsr-3538	511	1	al su	PERSON
fsr-3538	512	1	o rt	PERSON
fsr-3538	513	1	fa	ORG
fsr-3538	513	2	ri te	PERSON
fsr-3538	513	3	st ru ct io	GPE
fsr-3538	514	1	e. g	PERSON
fsr-3538	516	1	e. l	PERSON
fsr-3538	517	1	o	DATE
fsr-3538	518	1	o	DATE
fsr-3538	518	2	e sc h	ORG
fsr-3538	522	1	ia	GPE
fsr-3538	524	1	u se h o	ORG
fsr-3538	524	2	e sc h	ORG
fsr-3538	526	1	t. p	ORG
fsr-3538	527	1	o	DATE
fsr-3538	527	2	e sc	ORG
fsr-3538	542	1	0 .0 1	QUANTITY
fsr-3538	542	2	0 .0	MONEY
fsr-3538	542	3	ec	ORG
fsr-3538	543	1	186	CARDINAL
fsr-3538	543	2	x. zhao	PERSON
fsr-3538	543	3	31	CARDINAL
fsr-3538	543	4	2023	CARDINAL
fsr-3538	543	5	169–196	CARDINAL
fsr-3538	543	6	four	CARDINAL
fsr-3538	545	1	two	CARDINAL
fsr-3538	550	1	four	CARDINAL
fsr-3538	551	1	four	CARDINAL
fsr-3538	552	1	one	CARDINAL
fsr-3538	554	1	four	CARDINAL
fsr-3538	562	1	cfa society pittsburgh	ORG
fsr-3538	563	1	one	CARDINAL
fsr-3538	564	1	covid-19	PERSON
fsr-3538	566	1	g. filbeck	PERSON
fsr-3538	566	2	x. zhao	PERSON
fsr-3538	566	3	31	CARDINAL
fsr-3538	566	4	2023	CARDINAL
fsr-3538	566	5	169–196 187	CARDINAL
fsr-3538	566	6	1	CARDINAL
fsr-3538	567	1	two	CARDINAL
fsr-3538	569	1	2	CARDINAL
fsr-3538	575	1	english	LANGUAGE
fsr-3538	588	1	1	CARDINAL
fsr-3538	589	1	2.	CARDINAL
fsr-3538	590	1	3	CARDINAL
fsr-3538	592	1	4.	CARDINAL
fsr-3538	593	1	5	CARDINAL
fsr-3538	594	1	6	CARDINAL
fsr-3538	598	1	8	CARDINAL
fsr-3538	600	1	9	CARDINAL
fsr-3538	602	1	10	CARDINAL
fsr-3538	604	1	11	CARDINAL
fsr-3538	606	1	12	CARDINAL
fsr-3538	608	1	13	CARDINAL
fsr-3538	609	1	monthly	DATE
fsr-3538	610	1	14	CARDINAL
fsr-3538	612	1	188	CARDINAL
fsr-3538	612	2	x. zhao	PERSON
fsr-3538	612	3	31	CARDINAL
fsr-3538	612	4	2023	CARDINAL
fsr-3538	612	5	169–196	CARDINAL
fsr-3538	613	1	1	CARDINAL
fsr-3538	613	2	2	CARDINAL
fsr-3538	613	3	3	CARDINAL
fsr-3538	613	4	4	CARDINAL
fsr-3538	613	5	1	CARDINAL
fsr-3538	613	6	one	CARDINAL
fsr-3538	614	1	2	CARDINAL
fsr-3538	614	2	100	MONEY
fsr-3538	614	3	10%	PERCENT
fsr-3538	614	4	3 years	DATE
fsr-3538	614	5	the end of three years	DATE
fsr-3538	615	1	3	CARDINAL
fsr-3538	615	2	january	DATE
fsr-3538	615	3	300	MONEY
fsr-3538	616	1	4.	CARDINAL
fsr-3538	616	2	bmw	PRODUCT
fsr-3538	616	3	50,000	MONEY
fsr-3538	617	1	5 years	DATE
fsr-3538	617	2	5%	PERCENT
fsr-3538	618	1	5	CARDINAL
fsr-3538	619	1	today	DATE
fsr-3538	620	1	6	CARDINAL
fsr-3538	620	2	30,000	MONEY
fsr-3538	622	1	appendix b	PERSON
fsr-3538	623	1	1	CARDINAL
fsr-3538	625	1	2.	CARDINAL
fsr-3538	626	1	3	CARDINAL
fsr-3538	628	1	4.	CARDINAL
fsr-3538	629	1	5	CARDINAL
fsr-3538	630	1	6	CARDINAL
fsr-3538	634	1	8	CARDINAL
fsr-3538	636	1	9	CARDINAL
fsr-3538	638	1	10	CARDINAL
fsr-3538	640	1	11	CARDINAL
fsr-3538	642	1	12	CARDINAL
fsr-3538	644	1	13	CARDINAL
fsr-3538	645	1	monthly	DATE
fsr-3538	646	1	14	CARDINAL
fsr-3538	648	1	15	CARDINAL
fsr-3538	649	1	roth ira	PERSON
fsr-3538	650	1	x. zhao	PERSON
fsr-3538	650	2	31	CARDINAL
fsr-3538	650	3	2023	CARDINAL
fsr-3538	650	4	169–196	CARDINAL
fsr-3538	651	1	1	CARDINAL
fsr-3538	651	2	2	CARDINAL
fsr-3538	651	3	3	CARDINAL
fsr-3538	651	4	4	CARDINAL
fsr-3538	652	1	1	CARDINAL
fsr-3538	652	2	one	CARDINAL
fsr-3538	653	1	2	CARDINAL
fsr-3538	653	2	100	MONEY
fsr-3538	653	3	5%	PERCENT
fsr-3538	653	4	3 years	DATE
fsr-3538	653	5	the end of three years	DATE
fsr-3538	654	1	3	CARDINAL
fsr-3538	654	2	january	DATE
fsr-3538	654	3	500	MONEY
fsr-3538	655	1	4.	CARDINAL
fsr-3538	655	2	50,000	MONEY
fsr-3538	656	1	5 years	DATE
fsr-3538	656	2	5%	PERCENT
fsr-3538	657	1	5	CARDINAL
fsr-3538	658	1	today	DATE
fsr-3538	659	1	6	CARDINAL
fsr-3538	659	2	40,000	MONEY
fsr-3538	662	1	1	CARDINAL
fsr-3538	663	1	2.	CARDINAL
fsr-3538	663	2	hours	TIME
fsr-3538	664	1	3	CARDINAL
fsr-3538	665	1	4.	CARDINAL
fsr-3538	667	1	5	CARDINAL
fsr-3538	670	1	6	CARDINAL
fsr-3538	671	1	7	CARDINAL
fsr-3538	673	1	8	CARDINAL
fsr-3538	674	1	next year	DATE
fsr-3538	675	1	190	CARDINAL
fsr-3538	675	2	x. zhao	PERSON
fsr-3538	675	3	31	CARDINAL
fsr-3538	675	4	2023	CARDINAL
fsr-3538	676	1	169–196	CARDINAL
fsr-3538	677	1	diff_obj	ORG
fsr-3538	680	1	1	CARDINAL
fsr-3538	680	2	0	CARDINAL
fsr-3538	682	1	#	PRODUCT
fsr-3538	684	1	1	CARDINAL
fsr-3538	684	2	2020-2021	DATE
fsr-3538	685	1	1	CARDINAL
fsr-3538	685	2	0	CARDINAL
fsr-3538	686	1	1	CARDINAL
fsr-3538	686	2	11	CARDINAL
fsr-3538	686	3	12	CARDINAL
fsr-3538	686	4	0	CARDINAL
fsr-3538	687	1	english	LANGUAGE
fsr-3538	687	2	1	CARDINAL
fsr-3538	687	3	english	LANGUAGE
fsr-3538	688	1	1	CARDINAL
fsr-3538	688	2	0	CARDINAL
fsr-3538	689	1	1	CARDINAL
fsr-3538	689	2	0	CARDINAL
fsr-3538	690	1	lbd	ORG
fsr-3538	690	2	1	CARDINAL
fsr-3538	690	3	lbd	ORG
fsr-3538	690	4	0	CARDINAL
fsr-3538	691	1	1	CARDINAL
fsr-3538	691	2	0	CARDINAL
fsr-3538	692	1	1	CARDINAL
fsr-3538	692	2	0	CARDINAL
fsr-3538	693	1	1	CARDINAL
fsr-3538	693	2	0	CARDINAL
fsr-3538	699	1	x. zhao	PERSON
fsr-3538	699	2	31	CARDINAL
fsr-3538	699	3	2023	CARDINAL
fsr-3538	699	4	169–196	CARDINAL
fsr-3538	699	5	191	CARDINAL
fsr-3538	699	6	2a	CARDINAL
fsr-3538	699	7	a. financial	PERSON
fsr-3538	699	8	2	CARDINAL
fsr-3538	701	1	3.014 3.083	CARDINAL
fsr-3538	701	2	3.039 2.956	CARDINAL
fsr-3538	701	3	3	CARDINAL
fsr-3538	703	1	4.379	CARDINAL
fsr-3538	703	2	6	CARDINAL
fsr-3538	705	1	3.360	CARDINAL
fsr-3538	705	2	3.358	CARDINAL
fsr-3538	705	3	3.366 7	DATE
fsr-3538	707	1	3.044	CARDINAL
fsr-3538	707	2	3.037	CARDINAL
fsr-3538	707	3	2.942	CARDINAL
fsr-3538	707	4	8	CARDINAL
fsr-3538	709	1	2.758	CARDINAL
fsr-3538	709	2	2.620	CARDINAL
fsr-3538	709	3	2.743	CARDINAL
fsr-3538	711	1	3.425	CARDINAL
fsr-3538	711	2	3.419	CARDINAL
fsr-3538	711	3	3.428	MONEY
fsr-3538	713	1	3.288 3.403	MONEY
fsr-3538	713	2	3.287	CARDINAL
fsr-3538	715	1	3.022	CARDINAL
fsr-3538	715	2	3.115 2.917	QUANTITY
fsr-3538	715	3	3.015	CARDINAL
fsr-3538	717	1	1.986 2.093 1.865	CARDINAL
fsr-3538	717	2	1.951	CARDINAL
fsr-3538	717	3	2.072	MONEY
fsr-3538	717	4	13	CARDINAL
fsr-3538	718	1	monthly	DATE
fsr-3538	719	1	3.127	CARDINAL
fsr-3538	719	2	3.090	MONEY
fsr-3538	719	3	3.148	CARDINAL
fsr-3538	721	1	2.629	CARDINAL
fsr-3538	721	2	2.621 2.647	CARDINAL
fsr-3538	721	3	33.893	CARDINAL
fsr-3538	722	1	1	CARDINAL
fsr-3538	724	1	3.534	CARDINAL
fsr-3538	724	2	3.505	CARDINAL
fsr-3538	724	3	3.603	MONEY
fsr-3538	724	4	4	CARDINAL
fsr-3538	726	1	4.258	CARDINAL
fsr-3538	726	2	4.280 4.381 4.003	CARDINAL
fsr-3538	726	3	5	CARDINAL
fsr-3538	728	1	3.460	CARDINAL
fsr-3538	728	2	3.479	MONEY
fsr-3538	728	3	3.560	CARDINAL
fsr-3538	728	4	15	CARDINAL
fsr-3538	729	1	roth ira	PERSON
fsr-3538	729	2	4.085	CARDINAL
fsr-3538	729	3	4.092	CARDINAL
fsr-3538	729	4	4.089	MONEY
fsr-3538	729	5	14.895 14.835	CARDINAL
fsr-3538	729	6	1	CARDINAL
fsr-3538	729	7	one	CARDINAL
fsr-3538	730	1	0.635 0.699 0.569	QUANTITY
fsr-3538	730	2	0.622 0.665	CARDINAL
fsr-3538	730	3	2	CARDINAL
fsr-3538	731	1	100	MONEY
fsr-3538	731	2	10%	PERCENT
fsr-3538	731	3	3 years	DATE
fsr-3538	731	4	the end of three years	DATE
fsr-3538	732	1	0.298 0.352	MONEY
fsr-3538	732	2	0.291	CARDINAL
fsr-3538	733	1	january	DATE
fsr-3538	733	2	300	MONEY
fsr-3538	734	1	0.501	CARDINAL
fsr-3538	734	2	0.469	MONEY
fsr-3538	734	3	0.513	MONEY
fsr-3538	734	4	192	CARDINAL
fsr-3538	734	5	x. zhao	PERSON
fsr-3538	734	6	31	CARDINAL
fsr-3538	734	7	2023	CARDINAL
fsr-3538	734	8	169–196	CARDINAL
fsr-3538	734	9	2a	CARDINAL
fsr-3538	734	10	4	CARDINAL
fsr-3538	735	1	bmw	PRODUCT
fsr-3538	735	2	50,000	MONEY
fsr-3538	736	1	5 years	DATE
fsr-3538	736	2	5%	PERCENT
fsr-3538	737	1	0.439 0.500 0.375	MONEY
fsr-3538	737	2	0.432	CARDINAL
fsr-3538	739	1	today	DATE
fsr-3538	740	1	0.567 0.602 0.534	CARDINAL
fsr-3538	740	2	0.560 0.585 6	MONEY
fsr-3538	740	3	30,000	MONEY
fsr-3538	741	1	0.543 0.567 0.521	CARDINAL
fsr-3538	741	2	0.533 0.567	CARDINAL
fsr-3538	741	3	2.982	CARDINAL
fsr-3538	741	4	2.934 3.100	CARDINAL
fsr-3538	741	5	1	CARDINAL
fsr-3538	741	6	one	CARDINAL
fsr-3538	742	1	0.251	CARDINAL
fsr-3538	742	2	0.222	MONEY
fsr-3538	742	3	2	CARDINAL
fsr-3538	742	4	100	MONEY
fsr-3538	742	5	10%	PERCENT
fsr-3538	742	6	3 years	DATE
fsr-3538	742	7	the end of three years	DATE
fsr-3538	743	1	0.334 0.259 0.424	QUANTITY
fsr-3538	743	2	3	CARDINAL
fsr-3538	744	1	january	DATE
fsr-3538	744	2	300	MONEY
fsr-3538	745	1	0.321 0.358	CARDINAL
fsr-3538	745	2	0.340	CARDINAL
fsr-3538	745	3	bmw	PRODUCT
fsr-3538	745	4	50,000	MONEY
fsr-3538	746	1	5 years	DATE
fsr-3538	746	2	5%	PERCENT
fsr-3538	747	1	0.290 0.226	MONEY
fsr-3538	747	2	0.295 0.278 5	CARDINAL
fsr-3538	749	1	today	DATE
fsr-3538	750	1	0.176	CARDINAL
fsr-3538	750	2	0.186	CARDINAL
fsr-3538	750	3	0.151	MONEY
fsr-3538	750	4	6	CARDINAL
fsr-3538	750	5	30,000	MONEY
fsr-3538	752	1	0.279 0.252	CARDINAL
fsr-3538	752	2	0.313	CARDINAL
fsr-3538	752	3	0.287	CARDINAL
fsr-3538	752	4	1.667	CARDINAL
fsr-3538	752	5	1.977	CARDINAL
fsr-3538	752	6	1.717	CARDINAL
fsr-3538	753	1	2a	CARDINAL
fsr-3538	754	1	1	CARDINAL
fsr-3538	754	2	0	CARDINAL
fsr-3538	755	1	2020-2021	DATE
fsr-3538	755	2	zero	CARDINAL
fsr-3538	755	3	2017 to 2019	DATE
fsr-3538	759	1	0.01	CARDINAL
fsr-3538	759	2	0.05	CARDINAL
fsr-3538	759	3	0.10	CARDINAL
fsr-3538	760	1	g. filbeck	PERSON
fsr-3538	760	2	x. zhao	PERSON
fsr-3538	760	3	31	CARDINAL
fsr-3538	760	4	2023	CARDINAL
fsr-3538	760	5	169–196 193 appendix	QUANTITY
fsr-3538	760	6	4a	CARDINAL
fsr-3538	761	1	a. financial	PERSON
fsr-3538	761	2	2	CARDINAL
fsr-3538	763	1	3.033 4.029	MONEY
fsr-3538	763	2	27.66	MONEY
fsr-3538	763	3	3	CARDINAL
fsr-3538	765	1	4.660	MONEY
fsr-3538	766	1	6	CARDINAL
fsr-3538	768	1	3.397 3.888	MONEY
fsr-3538	768	2	14.42	CARDINAL
fsr-3538	768	3	7	CARDINAL
fsr-3538	770	1	3.085	CARDINAL
fsr-3538	770	2	3.861	MONEY
fsr-3538	770	3	20.46	CARDINAL
fsr-3538	770	4	8	CARDINAL
fsr-3538	772	1	2.716 3.864	CARDINAL
fsr-3538	772	2	1.148 28.88	CARDINAL
fsr-3538	772	3	9	CARDINAL
fsr-3538	774	1	3.406	CARDINAL
fsr-3538	774	2	0.792 20.53	CARDINAL
fsr-3538	774	3	10	CARDINAL
fsr-3538	776	1	3.258 4.197	MONEY
fsr-3538	776	2	0.940 24.74	CARDINAL
fsr-3538	777	1	11	CARDINAL
fsr-3538	779	1	3.010	CARDINAL
fsr-3538	779	2	12	CARDINAL
fsr-3538	781	1	1.909	CARDINAL
fsr-3538	781	2	1.653 38.31	CARDINAL
fsr-3538	781	3	13	CARDINAL
fsr-3538	782	1	monthly	DATE
fsr-3538	783	1	3.087	CARDINAL
fsr-3538	783	2	1.079	CARDINAL
fsr-3538	783	3	28.21	CARDINAL
fsr-3538	783	4	14	CARDINAL
fsr-3538	785	1	2.581	CARDINAL
fsr-3538	785	2	3.953	MONEY
fsr-3538	785	3	1.376 33.45	CARDINAL
fsr-3538	785	4	43.963 10.125 36.38	MONEY
fsr-3538	785	5	1	CARDINAL
fsr-3538	787	1	3.540	CARDINAL
fsr-3538	787	2	3.810	MONEY
fsr-3538	787	3	8.09	MONEY
fsr-3538	788	1	4	CARDINAL
fsr-3538	790	1	4.290 4.267 0.085 2.41	MONEY
fsr-3538	790	2	5	CARDINAL
fsr-3538	792	1	3.511	CARDINAL
fsr-3538	792	2	15	CARDINAL
fsr-3538	793	1	roth ira	PERSON
fsr-3538	794	1	4.064	CARDINAL
fsr-3538	794	2	4.467	MONEY
fsr-3538	794	3	12.02	CARDINAL
fsr-3538	794	4	14.944	CARDINAL
fsr-3538	794	5	1	CARDINAL
fsr-3538	794	6	one	CARDINAL
fsr-3538	795	1	0.634 0.691	CARDINAL
fsr-3538	795	2	3.21	CARDINAL
fsr-3538	796	1	2	CARDINAL
fsr-3538	797	1	100	MONEY
fsr-3538	797	2	5%	PERCENT
fsr-3538	797	3	3 years	DATE
fsr-3538	797	4	the end of three years	DATE
fsr-3538	798	1	0.294	CARDINAL
fsr-3538	798	2	10.58	MONEY
fsr-3538	799	1	3	CARDINAL
fsr-3538	800	1	january	DATE
fsr-3538	800	2	500	MONEY
fsr-3538	801	1	14.90	MONEY
fsr-3538	801	2	4	CARDINAL
fsr-3538	801	3	50,000	MONEY
fsr-3538	802	1	5 years	DATE
fsr-3538	802	2	5%	PERCENT
fsr-3538	803	1	0.438	CARDINAL
fsr-3538	803	2	5	CARDINAL
fsr-3538	805	1	today	DATE
fsr-3538	806	1	0.573 0.773 0.200 12.07	QUANTITY
fsr-3538	806	2	6	CARDINAL
fsr-3538	806	3	40,000	MONEY
fsr-3538	808	1	0.542 0.716 0.174	MONEY
fsr-3538	808	2	194	CARDINAL
fsr-3538	808	3	x. zhao	PERSON
fsr-3538	808	4	31	CARDINAL
fsr-3538	808	5	2023	CARDINAL
fsr-3538	808	6	169–196	CARDINAL
fsr-3538	808	7	a.	GPE
fsr-3538	808	8	groot	GPE
fsr-3538	808	9	w.	PERSON
fsr-3538	808	10	maassen van den	PERSON
fsr-3538	808	11	h., & wilschut	ORG
fsr-3538	808	12	a.	PERSON
fsr-3538	808	13	2018	DATE
fsr-3538	810	1	17	CARDINAL
fsr-3538	810	2	56–80	DATE
fsr-3538	811	1	m., grigsby	PERSON
fsr-3538	811	2	j., van der klaauw	PERSON
fsr-3538	811	3	w.	PERSON
fsr-3538	811	4	j., & zafar	ORG
fsr-3538	811	5	b.	PERSON
fsr-3538	811	6	2016	DATE
fsr-3538	813	1	29	CARDINAL
fsr-3538	813	2	2490–2522	CARDINAL
fsr-3538	814	1	bucher-koenen	PERSON
fsr-3538	814	2	t.	GPE
fsr-3538	814	3	a.	PERSON
fsr-3538	814	4	alessie	ORG
fsr-3538	814	5	r., & van rooij	ORG
fsr-3538	814	6	2017	DATE
fsr-3538	817	1	51	DATE
fsr-3538	817	2	255–283	CARDINAL
fsr-3538	818	1	https://doi.org/10.1111/joca.12121 cameron	PERSON
fsr-3538	818	2	m. p.	PERSON
fsr-3538	818	3	calderwood	PERSON
fsr-3538	818	4	r.	NORP
fsr-3538	818	5	a., lim	PERSON
fsr-3538	818	6	s., & yamaoka	ORG
fsr-3538	818	7	m. (	PERSON
fsr-3538	818	8	2014	DATE
fsr-3538	819	1	new zealand	GPE
fsr-3538	820	1	16	CARDINAL
fsr-3538	820	2	12–21	CARDINAL
fsr-3538	821	1	schneebaum, a., & silgoner	ORG
fsr-3538	821	2	m. (2018	ORG
fsr-3538	823	1	168	CARDINAL
fsr-3538	823	2	102–106	CARDINAL
fsr-3538	824	1	de beckker	PERSON
fsr-3538	824	2	k., de witte	PERSON
fsr-3538	824	3	k., & van campenhout	ORG
fsr-3538	824	4	2021	CARDINAL
fsr-3538	826	1	188	CARDINAL
fsr-3538	826	2	962–976	CARDINAL
fsr-3538	827	1	https://doi.org/10.1016/j.jebo.2021.06.022 faulkner	PERSON
fsr-3538	827	2	a.	PERSON
fsr-3538	827	3	2017	CARDINAL
fsr-3538	828	1	the united states	GPE
fsr-3538	829	1	49	DATE
fsr-3538	829	2	287–298	CARDINAL
fsr-3538	830	1	zhao	PERSON
fsr-3538	830	2	x.	GPE
fsr-3538	830	3	j. (2020	PERSON
fsr-3538	832	1	28	CARDINAL
fsr-3538	832	2	315–340	CARDINAL
fsr-3538	833	1	gerrans	NORP
fsr-3538	833	2	r.	PERSON
fsr-3538	833	3	2019	DATE
fsr-3538	835	1	59	CARDINAL
fsr-3538	835	2	177–217	CARDINAL
fsr-3538	836	1	https://doi.org/10.1111/acfi.12247 henager	ORG
fsr-3538	836	2	r., & cude	ORG
fsr-3538	836	3	2016	DATE
fsr-3538	838	1	27	CARDINAL
fsr-3538	838	2	3–19	CARDINAL
fsr-3538	839	1	4a	CARDINAL
fsr-3538	840	1	2.970	CARDINAL
fsr-3538	840	2	1.009 18.55	CARDINAL
fsr-3538	840	3	1	CARDINAL
fsr-3538	840	4	one	CARDINAL
fsr-3538	841	1	0.246 0.045	QUANTITY
fsr-3538	841	2	0.201	CARDINAL
fsr-3538	841	3	14.87	CARDINAL
fsr-3538	841	4	2	CARDINAL
fsr-3538	841	5	100	MONEY
fsr-3538	841	6	5%	PERCENT
fsr-3538	841	7	3 years	DATE
fsr-3538	841	8	the end of three years	DATE
fsr-3538	842	1	0.346 0.117	MONEY
fsr-3538	842	2	0.230	CARDINAL
fsr-3538	842	3	15.03	CARDINAL
fsr-3538	842	4	3	CARDINAL
fsr-3538	843	1	january	DATE
fsr-3538	843	2	500	MONEY
fsr-3538	844	1	0.339 0.068	CARDINAL
fsr-3538	844	2	0.270	CARDINAL
fsr-3538	844	3	18.50	CARDINAL
fsr-3538	844	4	4	CARDINAL
fsr-3538	844	5	50,000	MONEY
fsr-3538	845	1	5 years	DATE
fsr-3538	845	2	5%	PERCENT
fsr-3538	846	1	0.297 0.096	CARDINAL
fsr-3538	846	2	0.201	CARDINAL
fsr-3538	846	3	13.15	CARDINAL
fsr-3538	846	4	5	CARDINAL
fsr-3538	848	1	today	DATE
fsr-3538	849	1	0.172 0.066	MONEY
fsr-3538	849	2	0.106	CARDINAL
fsr-3538	849	3	8.68	CARDINAL
fsr-3538	849	4	6	CARDINAL
fsr-3538	849	5	40,000	MONEY
fsr-3538	851	1	0.290 0.089	QUANTITY
fsr-3538	851	2	0.201	CARDINAL
fsr-3538	851	3	13.96	CARDINAL
fsr-3538	851	4	1.690 0.482	CARDINAL
fsr-3538	851	5	1.209	CARDINAL
fsr-3538	851	6	22.43	CARDINAL
fsr-3538	852	1	4a	CARDINAL
fsr-3538	854	1	0.01	CARDINAL
fsr-3538	854	2	0.05	CARDINAL
fsr-3538	854	3	0.10	CARDINAL
fsr-3538	855	1	g. filbeck	PERSON
fsr-3538	855	2	x. zhao	PERSON
fsr-3538	855	3	31	CARDINAL
fsr-3538	855	4	2023	CARDINAL
fsr-3538	855	5	169–196	CARDINAL
fsr-3538	855	6	m., & natali	ORG
fsr-3538	855	7	g., jr.	PERSON
fsr-3538	855	8	2012	DATE
fsr-3538	857	1	harriman house	ORG
fsr-3538	857	2	petersfield	GPE
fsr-3538	857	3	hampshire	GPE
fsr-3538	857	4	uk	GPE
fsr-3538	857	5	kaiser	ORG
fsr-3538	857	6	t., & menkhoff	ORG
fsr-3538	857	7	2017	CARDINAL
fsr-3538	859	1	31	DATE
fsr-3538	859	2	611–630	CARDINAL
fsr-3538	860	1	kim	PERSON
fsr-3538	860	2	j., russell	PERSON
fsr-3538	860	3	m. b.	PERSON
fsr-3538	860	4	2017	CARDINAL
fsr-3538	862	1	journal of human sciences	ORG
fsr-3538	862	2	5	CARDINAL
fsr-3538	862	3	https://doi.org/10.54718/lwde8654 lusardi	PERSON
fsr-3538	862	4	a., & mitchell	ORG
fsr-3538	862	5	2008	DATE
fsr-3538	864	1	american	NORP
fsr-3538	864	2	98	CARDINAL
fsr-3538	864	3	413–417	CARDINAL
fsr-3538	865	1	lusardi	PERSON
fsr-3538	865	2	a., & mitchell	ORG
fsr-3538	865	3	2011	DATE
fsr-3538	867	1	o. s. mitchell & a. lusardi	ORG
fsr-3538	868	1	oxford	NORP
fsr-3538	868	2	oxford university	ORG
fsr-3538	869	1	lusardi	PERSON
fsr-3538	869	2	a., & mitchell	ORG
fsr-3538	869	3	2014	DATE
fsr-3538	871	1	52	DATE
fsr-3538	871	2	5–44	CARDINAL
fsr-3538	871	3	mitchell, o., & curto	PERSON
fsr-3538	871	4	2010	DATE
fsr-3538	873	1	44	DATE
fsr-3538	873	2	358–380	CARDINAL
fsr-3538	873	3	https://doi.org/10.1111/j.1745-6606.2010.01173.x morgan	PERSON
fsr-3538	873	4	huang	PERSON
fsr-3538	873	5	l. q.	PERSON
fsr-3538	873	6	2019	DATE
fsr-3538	874	1	adbi	GPE
fsr-3538	874	2	jica	GPE
fsr-3538	875	1	k. yoshida & a. cardini	ORG
fsr-3538	876	1	asian development bank institute	ORG
fsr-3538	876	2	adbi press: tokyo	ORG
fsr-3538	877	1	natali	PERSON
fsr-3538	877	2	g.	PERSON
fsr-3538	877	3	2020	DATE
fsr-3538	878	1	second	ORDINAL
fsr-3538	879	1	harriman house	ORG
fsr-3538	879	2	petersfield	GPE
fsr-3538	879	3	hampshire	GPE
fsr-3538	879	4	uk	GPE
fsr-3538	879	5	noetel	NORP
fsr-3538	879	6	m.	PERSON
fsr-3538	879	7	griffith	PERSON
fsr-3538	879	8	s., delaney	ORG
fsr-3538	879	9	sanders	PERSON
fsr-3538	879	10	t.	GPE
fsr-3538	879	11	parker	ORG
fsr-3538	879	12	del pozo cruz	PERSON
fsr-3538	879	13	b., & lonsdale	ORG
fsr-3538	879	14	2020	DATE
fsr-3538	881	1	s., & karnadi	ORG
fsr-3538	881	2	2020	DATE
fsr-3538	882	1	indonesians	NORP
fsr-3538	883	1	business & management	ORG
fsr-3538	883	2	7, 1743618	DATE
fsr-3538	884	1	g., & wilson	ORG
fsr-3538	884	2	j. (2020	PERSON
fsr-3538	886	1	the european journal of finance	ORG
fsr-3538	886	2	26	CARDINAL
fsr-3538	886	3	297–301	CARDINAL
fsr-3538	887	1	preston	GPE
fsr-3538	887	2	wright	PERSON
fsr-3538	887	3	r.	PERSON
fsr-3538	887	4	2019	DATE
fsr-3538	888	1	australia	GPE
fsr-3538	889	1	95	CARDINAL
fsr-3538	889	2	1–29	DATE
fsr-3538	890	1	g., & wagner	ORG
fsr-3538	890	2	2017	CARDINAL
fsr-3538	893	1	59	CARDINAL
fsr-3538	893	2	43–62	CARDINAL
fsr-3538	893	3	10.1016	CARDINAL
fsr-3538	893	4	a.	PERSON
fsr-3538	893	5	2021	CARDINAL
fsr-3538	895	1	84, 102162	DATE
fsr-3538	896	1	semercioglu	PERSON
fsr-3538	896	2	m., & akcay	ORG
fsr-3538	896	3	a.	PERSON
fsr-3538	896	4	2016	DATE
fsr-3538	898	1	15th	ORDINAL
fsr-3538	898	2	9	CARDINAL
fsr-3538	898	3	2016	DATE
fsr-3538	898	4	88–92	CARDINAL
fsr-3538	898	5	o., & walter	ORG
fsr-3538	898	6	2017	CARDINAL
fsr-3538	900	1	journal of business economics	ORG
fsr-3538	900	2	87	DATE
fsr-3538	900	3	581–643	CARDINAL
fsr-3538	901	1	https://link.springer.com/article/10.1007/s11573-017-0853-9 tang	PERSON
fsr-3538	901	2	n., & baker	ORG
fsr-3538	901	3	a.	PERSON
fsr-3538	901	4	2016	CARDINAL
fsr-3538	903	1	54	DATE
fsr-3538	903	2	164–176	CARDINAL
fsr-3538	904	1	https://doi.org/10.1016/j.joep.2016.04.005 van alten	ORG
fsr-3538	904	2	d. c. d.	PERSON
fsr-3538	904	3	c., janssen	PERSON
fsr-3538	904	4	j., & kester	ORG
fsr-3538	904	5	l.	PERSON
fsr-3538	904	6	2019	DATE
fsr-3538	906	1	28, 100281	DATE
fsr-3538	907	1	10.1016	CARDINAL
fsr-3538	907	2	j.edurev.2019.05.003 wolla	PERSON
fsr-3538	907	3	s. (2017	ORG
fsr-3538	909	1	12	CARDINAL
fsr-3538	909	2	154–167	CARDINAL
fsr-3538	910	1	196 g. filbeck	QUANTITY
fsr-3538	910	2	x. zhao	PERSON
fsr-3538	910	3	31	CARDINAL
fsr-3538	910	4	2023	CARDINAL
fsr-3538	910	5	169–196	CARDINAL