id	sid	eid	entity	type
fsr-3724	1	1	1057-0810(93)90008-e financial services review	PRODUCT
fsr-3724	1	2	3	CARDINAL
fsr-3724	1	3	1	CARDINAL
fsr-3724	1	4	83	CARDINAL
fsr-3724	1	5	0 1993	DATE
fsr-3724	1	6	jai press inc	ORG
fsr-3724	1	7	1057-0810	DATE
fsr-3724	2	1	phyllis schiller	PERSON
fsr-3724	2	2	myers virginia commonwealth university consumption-savings	ORG
fsr-3724	2	3	john g. powell	PERSON
fsr-3724	2	4	university of otago	ORG
fsr-3724	2	5	dunedin	GPE
fsr-3724	2	6	new zealand	GPE
fsr-3724	8	1	june 1993	DATE
fsr-3724	8	2	267	CARDINAL
fsr-3724	10	1	u.s.	GPE
fsr-3724	10	2	mikyeong bae	PERSON
fsr-3724	10	3	sherman hanna	PERSON
fsr-3724	10	4	bls	ORG
fsr-3724	10	5	almost 40%	PERCENT
fsr-3724	10	6	u.s.	GPE
fsr-3724	10	7	1990	DATE
fsr-3724	12	1	84	CARDINAL
fsr-3724	12	2	3(l	CARDINAL
fsr-3724	12	3	1993	DATE
fsr-3724	13	1	1 l-30	MONEY
fsr-3724	15	1	melvin prince	PERSON
fsr-3724	15	2	fordham	ORG
fsr-3724	20	1	march 1993	DATE
fsr-3724	20	2	14	CARDINAL
fsr-3724	20	3	1	CARDINAL
fsr-3724	20	4	175	CARDINAL
fsr-3724	21	1	a. m. pereira	PERSON
fsr-3724	24	1	journal of urban economics	ORG
fsr-3724	24	2	january 1993	DATE
fsr-3724	24	3	33(l	DATE
fsr-3724	24	4	68	CARDINAL
fsr-3724	26	1	behav ior	PERSON
fsr-3724	26	2	jeff allen	PERSON
fsr-3724	26	3	duane davis university	PERSON
fsr-3724	26	4	florida	GPE
fsr-3724	27	1	207	CARDINAL
fsr-3724	28	1	corre	NORP
fsr-3724	28	2	behav ior	PERSON
fsr-3724	31	1	june 1993	DATE
fsr-3724	31	2	12(6	DATE
fsr-3724	31	3	449	CARDINAL
fsr-3724	32	1	the journal of business ethics	ORG
fsr-3724	33	1	implkationsf~rfinan	PERSON
fsr-3724	33	2	marlene s. stum	PERSON
fsr-3724	33	3	jean w. bauer	PERSON
fsr-3724	33	4	paula j. delaney	PERSON
fsr-3724	35	1	1984	DATE
fsr-3724	37	1	almost one-third	CARDINAL
fsr-3724	37	2	32.6%	PERCENT
fsr-3724	37	3	41%	PERCENT
fsr-3724	37	4	between 1.0	CARDINAL
fsr-3724	39	1	impor	ORG
fsr-3724	40	1	1993	DATE
fsr-3724	40	2	4	CARDINAL
fsr-3724	40	3	199	CARDINAL
fsr-3724	43	1	schram fitzsimmons	PERSON
fsr-3724	43	2	satomi wakita	PERSON
fsr-3724	47	1	five years	DATE
fsr-3724	47	2	five years ago	DATE
fsr-3724	51	1	165-180	CARDINAL
fsr-3724	52	1	finun cial counseling	ORG
fsr-3724	53	1	1993	DATE
fsr-3724	53	2	terry l. zivney	PERSON
fsr-3724	53	3	william j	PERSON
fsr-3724	53	4	bertin	PERSON
fsr-3724	53	5	university of tennessee	ORG
fsr-3724	53	6	chattanooga	GPE
fsr-3724	53	7	khalil m. torabzadeh	PERSON
fsr-3724	53	8	radford univer sity	ORG
fsr-3724	55	1	marty	PERSON
fsr-3724	58	1	quarterly	DATE
fsr-3724	58	2	spring 1993,32(l	DATE
fsr-3724	58	3	x4-93	ORG
fsr-3724	59	1	quarterly	DATE
fsr-3724	59	2	3winess	CARDINAL
fsr-3724	60	1	jacques a. schnabel	PERSON
fsr-3724	60	2	wilfrid laurier university	ORG
fsr-3724	60	3	wa terloo	GPE
fsr-3724	60	4	ontario	GPE
fsr-3724	60	5	canada	GPE
fsr-3724	61	1	miller	ORG
fsr-3724	62	1	miller	PERSON
fsr-3724	64	1	miller	ORG
fsr-3724	66	1	august 1992	DATE
fsr-3724	66	2	2’7(3	GPE
fsr-3724	66	3	391409	DATE
fsr-3724	68	1	michael j. gombola @exe1	PERSON
fsr-3724	69	1	feng-ying l. liu	PERSON
fsr-3724	70	1	87	CARDINAL
fsr-3724	70	2	january	DATE
fsr-3724	73	1	august 1993,28(3	DATE
fsr-3724	73	2	303	CARDINAL
fsr-3724	75	1	michael j. barclay	PERSON
fsr-3724	75	2	university of rochester	ORG
fsr-3724	75	3	clifford g. holdemess	PERSON
fsr-3724	75	4	boston college	ORG
fsr-3724	75	5	jeffrey	PERSON
fsr-3724	77	1	14%	PERCENT
fsr-3724	77	2	only 4%	PERCENT
fsr-3724	81	1	financial economics	ORG
fsr-3724	81	2	june 1993	DATE
fsr-3724	81	3	33(3	CARDINAL
fsr-3724	81	4	263	CARDINAL
fsr-3724	82	1	north-holland publishing company	ORG
fsr-3724	83	1	1984	DATE
fsr-3724	83	2	thomas h. eyssell	PERSON
fsr-3724	83	3	james p. rebum	PERSON
fsr-3724	83	4	university of missouri	ORG
fsr-3724	83	5	st. louis	GPE
fsr-3724	85	1	1984	DATE
fsr-3724	89	1	the journal of financial research	ORG
fsr-3724	89	2	summer 1993	DATE
fsr-3724	89	3	16(2	CARDINAL
fsr-3724	89	4	161	CARDINAL
fsr-3724	90	1	the journal of financial research	ORG
fsr-3724	91	1	3(l	CARDINAL
fsr-3724	91	2	1993	DATE
fsr-3724	91	3	behav ior	PERSON
fsr-3724	91	4	paul anand	PERSON
fsr-3724	91	5	christopher j. cowton	PERSON
fsr-3724	91	6	university of oxford	ORG
fsr-3724	91	7	oxford	NORP
fsr-3724	91	8	uk	GPE
fsr-3724	93	1	125	CARDINAL
fsr-3724	94	1	june 1993,14(2	DATE
fsr-3724	94	2	377	CARDINAL
fsr-3724	95	1	north-holland publishing company	ORG
fsr-3724	96	1	twenty-five years	DATE
fsr-3724	96	2	david lynn skinner	PERSON
fsr-3724	96	3	ashland university	ORG
fsr-3724	98	1	10	CARDINAL
fsr-3724	98	2	between 1963 and 1988	DATE
fsr-3724	99	1	the ex-day	DATE
fsr-3724	99	2	more than half	CARDINAL
fsr-3724	100	1	1982	DATE
fsr-3724	100	2	1987	DATE
fsr-3724	102	1	the journal offinancial research	ORG
fsr-3724	102	2	spring 1993	DATE
fsr-3724	102	3	16(l	DATE
fsr-3724	102	4	61	CARDINAL
fsr-3724	104	1	robert east	GPE
fsr-3724	104	2	kingston polytechnic	ORG
fsr-3724	104	3	kingston	GPE
fsr-3724	104	4	uk	GPE
fsr-3724	104	5	three	CARDINAL
fsr-3724	104	6	british	NORP
fsr-3724	105	1	1	CARDINAL
fsr-3724	105	2	2	CARDINAL
fsr-3724	105	3	3	CARDINAL
fsr-3724	105	4	second	ORDINAL
fsr-3724	105	5	british	NORP
fsr-3724	106	1	1991	DATE
fsr-3724	110	1	two	CARDINAL
fsr-3724	111	1	first	ORDINAL
fsr-3724	112	1	second	ORDINAL
fsr-3724	112	2	89	CARDINAL
fsr-3724	113	1	june 1993,14(2	DATE
fsr-3724	113	2	337	CARDINAL
fsr-3724	114	1	north-holland publishing company	ORG
fsr-3724	115	1	7 percent	PERCENT
fsr-3724	115	2	greggory a. brauer lee	PERSON
fsr-3724	115	3	shleifer	ORG
fsr-3724	115	4	1991	DATE
fsr-3724	115	5	delong, shleifer	ORG
fsr-3724	115	6	1990	DATE
fsr-3724	115	7	lee	PERSON
fsr-3724	115	8	thaler	ORG
fsr-3724	116	1	french	NORP
fsr-3724	116	2	1986	DATE
fsr-3724	116	3	only 7%	PERCENT
fsr-3724	116	4	weekly	DATE
fsr-3724	118	1	september 1993,7(3	DATE
fsr-3724	118	2	199	CARDINAL
fsr-3724	119	1	kluwer	ORG
fsr-3724	120	1	amar bhide	PERSON
fsr-3724	120	2	har vard university	ORG
fsr-3724	124	1	u.s.	GPE
fsr-3724	126	1	journal of financial economics	ORG
fsr-3724	126	2	august 1993	DATE
fsr-3724	126	3	34	CARDINAL
fsr-3724	126	4	1	CARDINAL
fsr-3724	126	5	31-5 1	TIME
fsr-3724	127	1	north-holland publishing company	ORG
fsr-3724	128	1	kathy prochaska-cue	PERSON
fsr-3724	129	1	mckenney	PERSON
fsr-3724	129	2	1974	DATE
fsr-3724	129	3	1988	DATE
fsr-3724	129	4	crandall	PERSON
fsr-3724	129	5	1980	DATE
fsr-3724	129	6	1987	DATE
fsr-3724	130	1	90 f'inancialservicesreview,3(1	QUANTITY
fsr-3724	130	2	1993	DATE
fsr-3724	130	3	128	CARDINAL
fsr-3724	131	1	14	CARDINAL
fsr-3724	131	2	eight	CARDINAL
fsr-3724	133	1	111	CARDINAL
fsr-3724	135	1	christopher r. blake	PERSON
fsr-3724	135	2	fordham university	ORG
fsr-3724	135	3	edwin j. elton	PERSON
fsr-3724	135	4	martin j. gruber	PERSON
fsr-3724	135	5	new york university	ORG
fsr-3724	136	1	linear	ORG
fsr-3724	136	2	two	CARDINAL
fsr-3724	136	3	one	CARDINAL
fsr-3724	136	4	second	ORDINAL
fsr-3724	142	1	july 1993,66(3	DATE
fsr-3724	142	2	371-403	CARDINAL
fsr-3724	143	1	the university of chicago	ORG
fsr-3724	144	1	u.s.	GPE
fsr-3724	144	2	t. daniel coggin	ORG
fsr-3724	144	3	virginia	GPE
fsr-3724	144	4	frank j. fabozzi	PERSON
fsr-3724	144	5	rahman	PERSON
fsr-3724	144	6	portland state university	ORG
fsr-3724	145	1	u.s.	GPE
fsr-3724	148	1	91	CARDINAL
fsr-3724	149	1	80%	PERCENT
fsr-3724	150	1	two	CARDINAL
fsr-3724	151	1	july 1993,48(3	DATE
fsr-3724	151	2	1039-1055	DATE
fsr-3724	154	1	thomas h. mcinish	PERSON
fsr-3724	154	2	memphis state university	ORG
fsr-3724	154	3	sridhar n. ramaswami	ORG
fsr-3724	154	4	iowa state university	ORG
fsr-3724	154	5	rajendra k. srivastava	PERSON
fsr-3724	154	6	texas	GPE
fsr-3724	154	7	austin	GPE
fsr-3724	156	1	more than 3000	CARDINAL
fsr-3724	158	1	february 1993	DATE
fsr-3724	158	2	28(l	DATE
fsr-3724	158	3	91	CARDINAL
fsr-3724	160	1	j. rodriguez (	ORG
fsr-3724	160	2	university of miami	ORG
fsr-3724	165	1	the journal of financial research	ORG
fsr-3724	165	2	1991,14(3	ORDINAL
fsr-3724	165	3	249	CARDINAL
fsr-3724	166	1	the journal of financial research	ORG
fsr-3724	167	1	92	CARDINAL
fsr-3724	167	2	3(l	CARDINAL
fsr-3724	167	3	1993	DATE
fsr-3724	167	4	kaye j. newberry	PERSON
fsr-3724	167	5	philip m.j.	ORG
fsr-3724	167	6	robert w.	PERSON
fsr-3724	167	7	ari zona state university	ORG
fsr-3724	169	1	u.s.	GPE
fsr-3724	171	1	107	CARDINAL
fsr-3724	172	1	1	CARDINAL
fsr-3724	172	2	2	CARDINAL
fsr-3724	173	1	june 1993	DATE
fsr-3724	173	2	439	CARDINAL
fsr-3724	174	1	north-holland publishing company	ORG