id	sid	eid	entity	type
fsr-3778	1	1	1057-0810(95)90008-x	PRODUCT
fsr-3778	1	2	4(2	CARDINAL
fsr-3778	1	3	137	CARDINAL
fsr-3778	1	4	0 1995	DATE
fsr-3778	1	5	jai press inc	ORG
fsr-3778	1	6	1057-0810	DATE
fsr-3778	2	1	sharon a. devaney ruth h. lytton	PERSON
fsr-3778	5	1	i. introduction	PERSON
fsr-3778	9	1	becker	ORG
fsr-3778	9	2	1992	DATE
fsr-3778	11	1	the 1980s	DATE
fsr-3778	12	1	between 1979 and 1982	DATE
fsr-3778	12	2	annual	DATE
fsr-3778	12	3	6%	PERCENT
fsr-3778	13	1	1987	DATE
fsr-3778	13	2	annual	DATE
fsr-3778	13	3	18%	PERCENT
fsr-3778	13	4	avery	ORG
fsr-3778	13	5	1987	DATE
fsr-3778	13	6	luckett & august, 1985	ORG
fsr-3778	14	1	sharon a. devaney l	PERSON
fsr-3778	14	2	purdue university	ORG
fsr-3778	14	3	216	CARDINAL
fsr-3778	14	4	matthews hall	ORG
fsr-3778	14	5	west lafayette	GPE
fsr-3778	14	6	47907	DATE
fsr-3778	15	1	ruth h. lytton l	PERSON
fsr-3778	15	2	virginia	GPE
fsr-3778	15	3	state university	ORG
fsr-3778	15	4	blacksburg	GPE
fsr-3778	15	5	va 24061	DATE
fsr-3778	16	1	138	CARDINAL
fsr-3778	16	2	4(2	CARDINAL
fsr-3778	16	3	1995	DATE
fsr-3778	16	4	79%	PERCENT
fsr-3778	16	5	between 1980 and 1990	DATE
fsr-3778	16	6	only 36%	PERCENT
fsr-3778	16	7	199 1	DATE
fsr-3778	17	1	19	CARDINAL
fsr-3778	18	1	between 1981 and 1990	DATE
fsr-3778	18	2	14.5%	PERCENT
fsr-3778	18	3	18.5%	PERCENT
fsr-3778	18	4	1993	DATE
fsr-3778	19	1	1992	DATE
fsr-3778	19	2	seven-year	DATE
fsr-3778	19	3	16.7%	PERCENT
fsr-3778	19	4	1993	DATE
fsr-3778	22	1	25%	PERCENT
fsr-3778	22	2	1995	DATE
fsr-3778	24	1	1995	DATE
fsr-3778	24	2	a record $118 billion	MONEY
fsr-3778	24	3	1994	DATE
fsr-3778	25	1	17.8%	PERCENT
fsr-3778	25	2	20%	PERCENT
fsr-3778	26	1	more than 90%	PERCENT
fsr-3778	27	1	about 70%	PERCENT
fsr-3778	27	2	1980	DATE
fsr-3778	28	1	the 1980s	DATE
fsr-3778	28	2	the decade	DATE
fsr-3778	28	3	the 1990s	DATE
fsr-3778	28	4	the decade	DATE
fsr-3778	28	5	hughes	ORG
fsr-3778	28	6	1991	DATE
fsr-3778	29	1	the 1990s	DATE
fsr-3778	29	2	a decade	DATE
fsr-3778	32	1	the 1990s	DATE
fsr-3778	32	2	the decade	DATE
fsr-3778	33	1	between 1985 and 1991	DATE
fsr-3778	33	2	943,987	CARDINAL
fsr-3778	33	3	bhandari & weiss	ORG
fsr-3778	33	4	1993	DATE
fsr-3778	34	1	1992	DATE
fsr-3778	34	2	a record year	DATE
fsr-3778	34	3	977,478	CARDINAL
fsr-3778	34	4	6.4%	PERCENT
fsr-3778	34	5	22.5%	PERCENT
fsr-3778	34	6	1990 to 1991	DATE
fsr-3778	34	7	1993	DATE
fsr-3778	35	1	1992	DATE
fsr-3778	35	2	92.6%	PERCENT
fsr-3778	36	1	1993	DATE
fsr-3778	36	2	first	ORDINAL
fsr-3778	36	3	1984	DATE
fsr-3778	46	1	american	NORP
fsr-3778	46	2	25% to 30%	PERCENT
fsr-3778	46	3	1990	DATE
fsr-3778	47	1	the credit union national association	ORG
fsr-3778	47	2	1995	DATE
fsr-3778	47	3	$710 million	MONEY
fsr-3778	47	4	1993	DATE
fsr-3778	47	5	approximately 150%	PERCENT
fsr-3778	47	6	nine years earlier	DATE
fsr-3778	48	1	139	CARDINAL
fsr-3778	53	1	12.3%	PERCENT
fsr-3778	53	2	1950	DATE
fsr-3778	53	3	approximately 2.4%	PERCENT
fsr-3778	53	4	the 1990s	DATE
fsr-3778	53	5	1995b	DATE
fsr-3778	65	1	english	NORP
fsr-3778	68	1	second	ORDINAL
fsr-3778	70	1	latin	NORP
fsr-3778	70	2	1988	DATE
fsr-3778	77	1	1705	DATE
fsr-3778	77	2	english	NORP
fsr-3778	77	3	140	CARDINAL
fsr-3778	77	4	4(2	CARDINAL
fsr-3778	77	5	1995	DATE
fsr-3778	80	1	almost 300 years later	DATE
fsr-3778	81	1	chapter 7	LAW
fsr-3778	81	2	chapter 13	LAW
fsr-3778	82	1	chapter 11	LAW
fsr-3778	82	2	chapter 13	LAW
fsr-3778	82	3	chapter 12	LAW
fsr-3778	83	1	chapter 11,	LAW
fsr-3778	83	2	12	DATE
fsr-3778	83	3	13	CARDINAL
fsr-3778	84	1	chapter 7	LAW
fsr-3778	84	2	six years	DATE
fsr-3778	88	1	chapter 13	LAW
fsr-3778	89	1	three years	DATE
fsr-3778	90	1	chapter 7	LAW
fsr-3778	90	2	chapter 13	LAW
fsr-3778	94	1	a. repayment	PERSON
fsr-3778	95	1	1983	DATE
fsr-3778	95	2	one	CARDINAL
fsr-3778	95	3	first	ORDINAL
fsr-3778	96	1	1983	DATE
fsr-3778	97	1	approximately 22%	PERCENT
fsr-3778	97	2	3,824	CARDINAL
fsr-3778	97	3	1983	DATE
fsr-3778	97	4	the previous year	DATE
fsr-3778	98	1	sullivan	PERSON
fsr-3778	98	2	fisher	PERSON
fsr-3778	98	3	1988	DATE
fsr-3778	98	4	1983	DATE
fsr-3778	99	1	37%	PERCENT
fsr-3778	99	2	7%	PERCENT
fsr-3778	99	3	50,~0	MONEY
fsr-3778	102	1	hispanics	NORP
fsr-3778	102	2	141	CARDINAL
fsr-3778	104	1	luckett	PERSON
fsr-3778	104	2	1990	DATE
fsr-3778	104	3	sullivan	PERSON
fsr-3778	104	4	fisher	ORG
fsr-3778	107	1	luckett	PERSON
fsr-3778	107	2	1990	DATE
fsr-3778	111	1	sullivan	PERSON
fsr-3778	111	2	fisher	PERSON
fsr-3778	111	3	luckett	PERSON
fsr-3778	113	1	fisher	ORG
fsr-3778	113	2	luckett	PERSON
fsr-3778	114	1	luckett	PERSON
fsr-3778	115	1	the federal reserve board	ORG
fsr-3778	115	2	1,534	CARDINAL
fsr-3778	115	3	1991	DATE
fsr-3778	116	1	eighty-five percent	PERCENT
fsr-3778	117	1	45%	PERCENT
fsr-3778	117	2	3%	PERCENT
fsr-3778	117	3	38%	PERCENT
fsr-3778	118	1	about 14%	PERCENT
fsr-3778	118	2	at least one	CARDINAL
fsr-3778	121	1	age 35	DATE
fsr-3778	121	2	nearly four	CARDINAL
fsr-3778	121	3	at least 55 years of age	DATE
fsr-3778	122	1	luckett	PERSON
fsr-3778	122	2	1991	DATE
fsr-3778	122	3	9%	PERCENT
fsr-3778	122	4	more than 30 days	DATE
fsr-3778	122	5	one	CARDINAL
fsr-3778	122	6	the year	DATE
fsr-3778	123	1	roughly 3%	PERCENT
fsr-3778	123	2	more than three	CARDINAL
fsr-3778	123	3	1zmonth	ORDINAL
fsr-3778	124	1	55%	PERCENT
fsr-3778	124	2	24%	PERCENT
fsr-3778	124	3	hours	TIME
fsr-3778	124	4	6%	PERCENT
fsr-3778	125	1	nearly 40%	PERCENT
fsr-3778	125	2	the following month	DATE
fsr-3778	126	1	second	ORDINAL
fsr-3778	126	2	hours	TIME
fsr-3778	127	1	4(2	CARDINAL
fsr-3778	127	2	1995	DATE
fsr-3778	127	3	peterson	PERSON
fsr-3778	127	4	peterson	PERSON
fsr-3778	127	5	1981	DATE
fsr-3778	129	1	1965 to 1970	DATE
fsr-3778	129	2	peterson	PERSON
fsr-3778	129	3	peterson	PERSON
fsr-3778	130	1	as high as 20%	PERCENT
fsr-3778	131	1	peterson	PERSON
fsr-3778	131	2	peterson	PERSON
fsr-3778	133	1	over 30%	PERCENT
fsr-3778	134	1	peterson	PERSON
fsr-3778	134	2	peterson	PERSON
fsr-3778	134	3	30%	PERCENT
fsr-3778	135	1	peterson	PERSON
fsr-3778	135	2	peterson	PERSON
fsr-3778	137	1	livingstone and lunt (1992)	ORG
fsr-3778	137	2	the united kingdom	GPE
fsr-3778	137	3	the united states	GPE
fsr-3778	138	1	1981	DATE
fsr-3778	138	2	annual	DATE
fsr-3778	138	3	8%	PERCENT
fsr-3778	138	4	1988	DATE
fsr-3778	138	5	14%	PERCENT
fsr-3778	139	1	livingstone and lunt	ORG
fsr-3778	140	1	1989	DATE
fsr-3778	143	1	the livingstone and	ORG
fsr-3778	143	2	lunt	ORG
fsr-3778	148	1	1983	DATE
fsr-3778	148	2	1986	DATE
fsr-3778	148	3	devaney & hanna	ORG
fsr-3778	148	4	1994	DATE
fsr-3778	149	1	less than one month’s	DATE
fsr-3778	152	1	first	ORDINAL
fsr-3778	152	2	1983	DATE
fsr-3778	152	3	1986	DATE
fsr-3778	153	1	either year	DATE
fsr-3778	154	1	d.	NORP
fsr-3778	154	2	hira	PERSON
fsr-3778	154	3	1992	DATE
fsr-3778	158	1	hira	PERSON
fsr-3778	158	2	1992	DATE
fsr-3778	161	1	the 1960s	DATE
fsr-3778	161	2	michi gan	PERSON
fsr-3778	161	3	utah	GPE
fsr-3778	163	1	two	CARDINAL
fsr-3778	163	2	the 1980s	DATE
fsr-3778	163	3	about 80%	PERCENT
fsr-3778	164	1	one	CARDINAL
fsr-3778	164	2	20%	PERCENT
fsr-3778	164	3	two	CARDINAL
fsr-3778	164	4	sullivan	PERSON
fsr-3778	164	5	warren, & westbrook	ORG
fsr-3778	164	6	1989	DATE
fsr-3778	165	1	1945 to 1981	DATE
fsr-3778	165	2	1984	DATE
fsr-3778	166	1	chapter 7-straight-bankruptcies	LAW
fsr-3778	168	1	about 80%	PERCENT
fsr-3778	169	1	sullivan et al	PERSON
fsr-3778	170	1	1989	DATE
fsr-3778	170	2	1,529	CARDINAL
fsr-3778	170	3	illinois	GPE
fsr-3778	170	4	pennsylvania	GPE
fsr-3778	170	5	texas	GPE
fsr-3778	170	6	1981	DATE
fsr-3778	171	1	about a third	CARDINAL
fsr-3778	171	2	3.4	CARDINAL
fsr-3778	171	3	2.7	CARDINAL
fsr-3778	172	1	10,800	MONEY
fsr-3778	172	2	2,400	MONEY
fsr-3778	173	1	15,500	MONEY
fsr-3778	173	2	annual	DATE
fsr-3778	174	1	the two years	DATE
fsr-3778	175	1	twenty percent	PERCENT
fsr-3778	176	1	chapter 7	LAW
fsr-3778	176	2	sullivan et al.	PERSON
fsr-3778	176	3	1989	DATE
fsr-3778	176	4	246	CARDINAL
fsr-3778	177	1	1983	DATE
fsr-3778	177	2	sullivan et al	PERSON
fsr-3778	179	1	sullivan et al	PERSON
fsr-3778	179	2	about one-third	CARDINAL
fsr-3778	179	3	less than $5,000	MONEY
fsr-3778	179	4	84%	PERCENT
fsr-3778	179	5	7 1	DATE
fsr-3778	180	1	8,100	MONEY
fsr-3778	180	2	24,600	MONEY
fsr-3778	181	1	16%	PERCENT
fsr-3778	181	2	greater than $5,000	MONEY
fsr-3778	181	3	94%	PERCENT
fsr-3778	181	4	144	CARDINAL
fsr-3778	181	5	4(2	CARDINAL
fsr-3778	181	6	1995	DATE
fsr-3778	181	7	sullivan et al.	PERSON
fsr-3778	181	8	10,600	MONEY
fsr-3778	181	9	14,100	MONEY
fsr-3778	183	1	about $4,200	MONEY
fsr-3778	183	2	30%	PERCENT
fsr-3778	183	3	only $500	MONEY
fsr-3778	183	4	annually	DATE
fsr-3778	184	1	sullivan et al.	PERSON
fsr-3778	184	2	1989	DATE
fsr-3778	184	3	156	CARDINAL
fsr-3778	185	1	sullivan et al.	PERSON
fsr-3778	185	2	one	CARDINAL
fsr-3778	185	3	the year	DATE
fsr-3778	185	4	only about one-third	CARDINAL
fsr-3778	185	5	almost two-thirds	CARDINAL
fsr-3778	187	1	sullivan et al	PERSON
fsr-3778	187	2	two	CARDINAL
fsr-3778	187	3	157	CARDINAL
fsr-3778	190	1	chapter 7	LAW
fsr-3778	190	2	chapter 13	LAW
fsr-3778	190	3	0.25	CARDINAL
fsr-3778	190	4	chapter 7	LAW
fsr-3778	190	5	0.09	CARDINAL
fsr-3778	190	6	chapter 13	LAW
fsr-3778	191	1	0.12	CARDINAL
fsr-3778	191	2	0.24	CARDINAL
fsr-3778	191	3	0.43	CARDINAL
fsr-3778	191	4	171	CARDINAL
fsr-3778	193	1	sullivan et al	PERSON
fsr-3778	195	1	almost one-third	CARDINAL
fsr-3778	195	2	greater than three months	DATE
fsr-3778	195	3	0.25	CARDINAL
fsr-3778	196	1	nearly 13%	PERCENT
fsr-3778	196	2	more than a half-year	DATE
fsr-3778	197	1	only two percent	PERCENT
fsr-3778	197	2	15%	PERCENT
fsr-3778	197	3	sullivan et al.	PERSON
fsr-3778	197	4	1989	DATE
fsr-3778	197	5	185	CARDINAL
fsr-3778	199	1	hira	PERSON
fsr-3778	199	2	1992	DATE
fsr-3778	199	3	american	NORP
fsr-3778	199	4	canadian	NORP
fsr-3778	200	1	manitoba	GPE
fsr-3778	200	2	canada	GPE
fsr-3778	200	3	iowa	GPE
fsr-3778	200	4	1988	DATE
fsr-3778	202	1	two	CARDINAL
fsr-3778	205	1	about half	CARDINAL
fsr-3778	205	2	iowa	GPE
fsr-3778	205	3	manitoba	GPE
fsr-3778	205	4	145	CARDINAL
fsr-3778	206	1	canadians	NORP
fsr-3778	206	2	americans	NORP
fsr-3778	207	1	hira	PERSON
fsr-3778	207	2	only one	CARDINAL
fsr-3778	207	3	canada	GPE
fsr-3778	207	4	one	CARDINAL
fsr-3778	207	5	u.s.	GPE
fsr-3778	208	1	sullivan et al.	PERSON
fsr-3778	208	2	americans	NORP
fsr-3778	209	1	americans	NORP
fsr-3778	210	1	about one-third	CARDINAL
fsr-3778	211	1	the two years	DATE
fsr-3778	212	1	about one-fifth	CARDINAL
fsr-3778	220	1	sullivan et al	PERSON
fsr-3778	221	1	1989	DATE
fsr-3778	222	1	one	CARDINAL
fsr-3778	226	1	one	CARDINAL
fsr-3778	229	1	the 1940s	DATE
fsr-3778	229	2	durand, 1941	ORG
fsr-3778	229	3	the 1960s	DATE
fsr-3778	229	4	146	CARDINAL
fsr-3778	229	5	4(2	CARDINAL
fsr-3778	229	6	1995	DATE
fsr-3778	234	1	pellegrino	PERSON
fsr-3778	234	2	1988	DATE
fsr-3778	234	3	1992	DATE
fsr-3778	234	4	rosenberg & gleit	ORG
fsr-3778	234	5	1994	DATE
fsr-3778	235	1	jenson	GPE
fsr-3778	235	2	1992	DATE
fsr-3778	235	3	jost	PERSON
fsr-3778	235	4	1993	DATE
fsr-3778	236	1	american management systems	ORG
fsr-3778	236	2	four	CARDINAL
fsr-3778	236	3	1992	DATE
fsr-3778	237	1	1982	DATE
fsr-3778	237	2	makowski	PERSON
fsr-3778	237	3	1985	DATE
fsr-3778	237	4	rosenberg & gleit	ORG
fsr-3778	237	5	1994	DATE
fsr-3778	237	6	1989	DATE
fsr-3778	237	7	collins & green,	ORG
fsr-3778	237	8	1982	DATE
fsr-3778	237	9	grablowsky & talley, 1981	ORG
fsr-3778	237	10	rosenberg & gleit	ORG
fsr-3778	237	11	1994	DATE
fsr-3778	237	12	two	CARDINAL
fsr-3778	238	1	first	ORDINAL
fsr-3778	238	2	second	ORDINAL
fsr-3778	241	1	1994	DATE
fsr-3778	242	1	irvin	PERSON
fsr-3778	242	2	1994	DATE
fsr-3778	242	3	marshall, 1992	ORG
fsr-3778	245	1	1	CARDINAL
fsr-3778	246	1	monthly	DATE
fsr-3778	246	2	monthly	DATE
fsr-3778	248	1	monthly	DATE
fsr-3778	248	2	five	CARDINAL
fsr-3778	249	1	over 100,000	CARDINAL
fsr-3778	249	2	148	CARDINAL
fsr-3778	249	3	4(2	CARDINAL
fsr-3778	249	4	1995	DATE
fsr-3778	249	5	over 350	CARDINAL
fsr-3778	249	6	1990	DATE
fsr-3778	249	7	up to 200	CARDINAL
fsr-3778	249	8	1993	DATE
fsr-3778	250	1	friedland	PERSON
fsr-3778	250	2	1993	DATE
fsr-3778	250	3	five	CARDINAL
fsr-3778	251	1	1	CARDINAL
fsr-3778	251	2	u.s.	GPE
fsr-3778	251	3	warner	ORG
fsr-3778	251	4	1974	DATE
fsr-3778	251	5	boyes	ORG
fsr-3778	251	6	hoffman, & low	ORG
fsr-3778	251	7	1989	DATE
fsr-3778	251	8	1990	DATE
fsr-3778	251	9	jenson, 1992	ORG
fsr-3778	252	1	long & mcconnell	ORG
fsr-3778	252	2	1977	DATE
fsr-3778	252	3	lyons	PERSON
fsr-3778	252	4	1993	DATE
fsr-3778	252	5	makowski	PERSON
fsr-3778	252	6	1985	DATE
fsr-3778	252	7	overstreet & kemp	ORG
fsr-3778	252	8	1986	DATE
fsr-3778	252	9	robins	ORG
fsr-3778	252	10	1993	DATE
fsr-3778	252	11	rosenberg & gleit	ORG
fsr-3778	252	12	1994	DATE
fsr-3778	253	1	geo	ORG
fsr-3778	254	1	1	CARDINAL
fsr-3778	256	1	harney	ORG
fsr-3778	256	2	1994	DATE
fsr-3778	257	1	lytton & parrott	ORG
fsr-3778	257	2	1994	DATE
fsr-3778	257	3	o’neill	ORG
fsr-3778	257	4	lytton, & parrott	ORG
fsr-3778	257	5	1995	DATE
fsr-3778	258	1	the last decade	DATE
fsr-3778	259	1	the 20th century	DATE
fsr-3778	259	2	first	ORDINAL
fsr-3778	259	3	the 1920s	DATE
fsr-3778	259	4	horrigan	ORG
fsr-3778	259	5	1978	DATE
fsr-3778	260	1	first	ORDINAL
fsr-3778	260	2	the 1930s	DATE
fsr-3778	261	1	almost two decades	DATE
fsr-3778	263	1	196os	GPE
fsr-3778	264	1	the 1930s	DATE
fsr-3778	264	2	altman	ORG
fsr-3778	264	3	1968	DATE
fsr-3778	264	4	1971	DATE
fsr-3778	265	1	one	CARDINAL
fsr-3778	266	1	1992	DATE
fsr-3778	266	2	brand& danos, & brasseaux	ORG
fsr-3778	266	3	1989	DATE
fsr-3778	266	4	chen & shimerada	ORG
fsr-3778	266	5	198 1	CARDINAL
fsr-3778	266	6	1990	DATE
fsr-3778	266	7	lawder, 1989	ORG
fsr-3778	266	8	pressel	PERSON
fsr-3778	266	9	1991	DATE
fsr-3778	269	1	149	CARDINAL
fsr-3778	269	2	2	CARDINAL
fsr-3778	269	3	monthly	DATE
fsr-3778	269	4	monthly	DATE
fsr-3778	269	5	one-year	DATE
fsr-3778	269	6	one-year	DATE
fsr-3778	269	7	rota1	ORG
fsr-3778	269	8	prather	PERSON
fsr-3778	270	1	griffith	PERSON
fsr-3778	270	2	1985	DATE
fsr-3778	270	3	prather	PERSON
fsr-3778	270	4	1987	DATE
fsr-3778	271	1	griffith	PERSON
fsr-3778	271	2	1985	DATE
fsr-3778	271	3	16	CARDINAL
fsr-3778	271	4	123	CARDINAL
fsr-3778	272	1	16	CARDINAL
fsr-3778	272	2	2	CARDINAL
fsr-3778	273	1	griffith	ORG
fsr-3778	273	2	1	CARDINAL
fsr-3778	273	3	2	CARDINAL
fsr-3778	273	4	3	CARDINAL
fsr-3778	273	5	griffith	ORG
fsr-3778	273	6	1985	DATE
fsr-3778	274	1	mason	ORG
fsr-3778	274	2	griffith	ORG
fsr-3778	274	3	1988	DATE
fsr-3778	275	1	one	CARDINAL
fsr-3778	276	1	22	CARDINAL
fsr-3778	276	2	mason	ORG
fsr-3778	276	3	griffith	ORG
fsr-3778	276	4	1988	DATE
fsr-3778	278	1	73	CARDINAL
fsr-3778	279	1	prather	PERSON
fsr-3778	279	2	1990	DATE
fsr-3778	279	3	1983	DATE
fsr-3778	279	4	griffith	PERSON
fsr-3778	280	1	prather	PERSON
fsr-3778	280	2	1	CARDINAL
fsr-3778	280	3	2	CARDINAL
fsr-3778	280	4	five	CARDINAL
fsr-3778	281	1	prather	PERSON
fsr-3778	281	2	150	CARDINAL
fsr-3778	281	3	4(2	CARDINAL
fsr-3778	281	4	1995	DATE
fsr-3778	281	5	3	CARDINAL
fsr-3778	281	6	annual	DATE
fsr-3778	281	7	annual	DATE
fsr-3778	281	8	annual	DATE
fsr-3778	281	9	annual	DATE
fsr-3778	281	10	annual	DATE
fsr-3778	281	11	lytton	PERSON
fsr-3778	281	12	garman, & porter	ORG
fsr-3778	281	13	1991	DATE
fsr-3778	282	1	1990	DATE
fsr-3778	282	2	66	CARDINAL
fsr-3778	283	1	2	CARDINAL
fsr-3778	284	1	garman	PERSON
fsr-3778	284	2	199 1	CARDINAL
fsr-3778	284	3	eight	CARDINAL
fsr-3778	284	4	garman & forgue	ORG
fsr-3778	284	5	1991	DATE
fsr-3778	284	6	92	CARDINAL
fsr-3778	285	1	lytton	PERSON
fsr-3778	285	2	garman	PERSON
fsr-3778	285	3	1991	DATE
fsr-3778	285	4	3	CARDINAL
fsr-3778	287	1	lytton et al	PERSON
fsr-3778	287	2	one	CARDINAL
fsr-3778	288	1	nine	CARDINAL
fsr-3778	288	2	21	CARDINAL
fsr-3778	289	1	1989	DATE
fsr-3778	290	1	wisconsin	GPE
fsr-3778	290	2	1981	DATE
fsr-3778	290	3	1982	DATE
fsr-3778	290	4	4	CARDINAL
fsr-3778	291	1	five	CARDINAL
fsr-3778	291	2	seven	CARDINAL
fsr-3778	291	3	prather	PERSON
fsr-3778	291	4	16	CARDINAL
fsr-3778	292	1	prather	PERSON
fsr-3778	292	2	1990	DATE
fsr-3778	292	3	1989	DATE
fsr-3778	293	1	lytton et al	PERSON
fsr-3778	294	1	1991	DATE
fsr-3778	295	1	the 1980s	DATE
fsr-3778	295	2	1993	DATE
fsr-3778	295	3	two	CARDINAL
fsr-3778	296	1	almost 10%	PERCENT
fsr-3778	296	2	1986	DATE
fsr-3778	296	3	less than 1	CARDINAL
fsr-3778	297	1	40%	PERCENT
fsr-3778	297	2	three months	DATE
fsr-3778	297	3	151	CARDINAL
fsr-3778	297	4	4	CARDINAL
fsr-3778	297	5	monthly	DATE
fsr-3778	297	6	1 year	DATE
fsr-3778	297	7	monthly	DATE
fsr-3778	297	8	monthly	DATE
fsr-3778	299	1	between 1983 and 1986	DATE
fsr-3778	300	1	1983	DATE
fsr-3778	300	2	1986	DATE
fsr-3778	300	3	zero	CARDINAL
fsr-3778	300	4	1994	DATE
fsr-3778	300	5	three years later	DATE
fsr-3778	301	1	two	CARDINAL
fsr-3778	302	1	annual	DATE
fsr-3778	302	2	second	ORDINAL
fsr-3778	302	3	two	CARDINAL
fsr-3778	303	1	5	CARDINAL
fsr-3778	304	1	three	CARDINAL
fsr-3778	304	2	1994	DATE
fsr-3778	305	1	six	CARDINAL
fsr-3778	305	2	84	CARDINAL
fsr-3778	305	3	1982,1986	CARDINAL
fsr-3778	305	4	1991	DATE
fsr-3778	307	1	three months	DATE
fsr-3778	307	2	1986	DATE
fsr-3778	308	1	5%	PERCENT
fsr-3778	308	2	annual	DATE
fsr-3778	308	3	5	CARDINAL
fsr-3778	308	4	1	CARDINAL
fsr-3778	308	5	annual	DATE
fsr-3778	308	6	annual	DATE
fsr-3778	309	1	devaney	PERSON
fsr-3778	309	2	1994	DATE
fsr-3778	310	1	152	CARDINAL
fsr-3778	310	2	4(2	CARDINAL
fsr-3778	310	3	1995	DATE
fsr-3778	310	4	6	CARDINAL
fsr-3778	310	5	iowa	GPE
fsr-3778	310	6	2.25	CARDINAL
fsr-3778	310	7	2.05	CARDINAL
fsr-3778	310	8	1.10	CARDINAL
fsr-3778	310	9	1994	DATE
fsr-3778	312	1	the two previous years	DATE
fsr-3778	312	2	6	CARDINAL
fsr-3778	315	1	cambridge	GPE
fsr-3778	315	2	1988	DATE
fsr-3778	315	3	mierzwinski	GPE
fsr-3778	315	4	1995	DATE
fsr-3778	323	1	153	CARDINAL
fsr-3778	327	1	vi	PERSON
fsr-3778	330	1	one	CARDINAL
fsr-3778	330	2	wagner	ORG
fsr-3778	330	3	reichert	PERSON
fsr-3778	330	4	1983	DATE
fsr-3778	331	1	7” 1992	DATE
fsr-3778	334	1	154	CARDINAL
fsr-3778	334	2	4(2	CARDINAL
fsr-3778	334	3	1995	DATE
fsr-3778	340	1	altman	ORG
fsr-3778	340	2	e.i.	GPE
fsr-3778	340	3	1968	DATE
fsr-3778	342	1	23(4	CARDINAL
fsr-3778	342	2	589-609	CARDINAL
fsr-3778	343	1	altman	ORG
fsr-3778	343	2	e.i.	GPE
fsr-3778	343	3	1971	DATE
fsr-3778	344	1	america	GPE
fsr-3778	344	2	lexington	GPE
fsr-3778	344	3	ma: heath lexington	ORG
fsr-3778	345	1	apilado	GPE
fsr-3778	345	2	v.p.	GPE
fsr-3778	345	3	warner	ORG
fsr-3778	345	4	d.c.. & dauten	ORG
fsr-3778	345	5	j.j.	PERSON
fsr-3778	345	6	1974	DATE
fsr-3778	348	1	275	CARDINAL
fsr-3778	349	1	avery	ORG
fsr-3778	349	2	r.b.	GPE
fsr-3778	349	3	ge., & kennickell	ORG
fsr-3778	349	4	a.b.	GPE
fsr-3778	349	5	1987	DATE
fsr-3778	350	1	1983	DATE
fsr-3778	350	2	1986	DATE
fsr-3778	351	1	federal reserve bulletin	ORG
fsr-3778	351	2	761	CARDINAL
fsr-3778	353	1	1995	DATE
fsr-3778	354	1	3#(4	CARDINAL
fsr-3778	354	2	19	CARDINAL
fsr-3778	355	1	becker	PERSON
fsr-3778	355	2	n.d.	GPE
fsr-3778	355	3	1992	DATE
fsr-3778	356	1	becker	PERSON
fsr-3778	356	2	7.	PERCENT
fsr-3778	357	1	ventura	GPE
fsr-3778	357	2	becker	PERSON
fsr-3778	357	3	bhandari	PERSON
fsr-3778	357	4	j.s.	GPE
fsr-3778	357	5	& weiss	ORG
fsr-3778	357	6	l.a.	GPE
fsr-3778	357	7	1993	DATE
fsr-3778	359	1	american	NORP
fsr-3778	359	2	67(winter	CARDINAL
fsr-3778	359	3	boyes	ORG
fsr-3778	359	4	w.j.	GPE
fsr-3778	359	5	hoffman	PERSON
fsr-3778	359	6	d.l.	GPE
fsr-3778	359	7	s.a.	GPE
fsr-3778	359	8	1989	DATE
fsr-3778	361	1	40,3-14	ORG
fsr-3778	362	1	brandt	PERSON
fsr-3778	362	2	l.	GPE
fsr-3778	362	3	j.r.	GPE
fsr-3778	362	4	j.h.	GPE
fsr-3778	362	5	1989	DATE
fsr-3778	364	1	48	CARDINAL
fsr-3778	365	1	byrne	PERSON
fsr-3778	365	2	1992	DATE
fsr-3778	367	1	33	CARDINAL
fsr-3778	367	2	1	CARDINAL
fsr-3778	368	1	21	CARDINAL
fsr-3778	368	2	g.b.	PERSON
fsr-3778	368	3	c.a.	GPE
fsr-3778	368	4	1990	DATE
fsr-3778	370	1	12	CARDINAL
fsr-3778	370	2	1, spring	DATE
fsr-3778	370	3	55	CARDINAL
fsr-3778	371	1	g.b.	PERSON
fsr-3778	371	2	4%	PERCENT
fsr-3778	371	3	c.a.	GPE
fsr-3778	372	1	1991	DATE
fsr-3778	374	1	federal reserve bulletin	ORG
fsr-3778	374	2	77(april	DATE
fsr-3778	374	3	218	CARDINAL
fsr-3778	375	1	1982	DATE
fsr-3778	377	1	journalofmarketing	PERSON
fsr-3778	377	2	82	CARDINAL
fsr-3778	378	1	chandler	PERSON
fsr-3778	378	2	g.g.	GPE
fsr-3778	378	3	l.e.	GPE
fsr-3778	378	4	1989	DATE
fsr-3778	380	1	winter	DATE
fsr-3778	380	2	41-54	CARDINAL
fsr-3778	381	1	chen	PERSON
fsr-3778	381	2	k.h.	GPE
fsr-3778	381	3	t.a.	GPE
fsr-3778	381	4	1981	DATE
fsr-3778	383	1	5	CARDINAL
fsr-3778	384	1	chhikara	PERSON
fsr-3778	384	2	r.k.	GPE
fsr-3778	384	3	1989	DATE
fsr-3778	386	1	american journal of agricultural economics	ORG
fsr-3778	386	2	71(5	CARDINAL
fsr-3778	386	3	1138-l 144	ORG
fsr-3778	387	1	collins	PERSON
fsr-3778	387	2	r.a.	GPE
fsr-3778	387	3	1982	DATE
fsr-3778	389	1	journal of economics	ORG
fsr-3778	389	2	34,349	CARDINAL
fsr-3778	390	1	j.	PERSON
fsr-3778	390	2	1993	DATE
fsr-3778	392	1	6(3	CARDINAL
fsr-3778	392	2	8	CARDINAL
fsr-3778	393	1	1995	DATE
fsr-3778	394	1	a penny	MONEY
fsr-3778	395	1	the roanoke times	ORG
fsr-3778	395	2	february 5	DATE
fsr-3778	395	3	b7-b8	PERSON
fsr-3778	395	4	s.a.	GPE
fsr-3778	395	5	1993	DATE
fsr-3778	396	1	between 1983 and 1986	DATE
fsr-3778	396	2	american	NORP
fsr-3778	397	1	4	CARDINAL
fsr-3778	397	2	3	CARDINAL
fsr-3778	398	1	devaney, s.a.	ORG
fsr-3778	398	2	1994	DATE
fsr-3778	399	1	two	CARDINAL
fsr-3778	400	1	5,5	CARDINAL
fsr-3778	401	1	devaney, s.a.	ORG
fsr-3778	401	2	& hanna	ORG
fsr-3778	401	3	s. 1994	ORG
fsr-3778	402	1	l&293-303	CARDINAL
fsr-3778	403	1	durand	ORG
fsr-3778	405	1	8	MONEY
fsr-3778	406	1	new york	GPE
fsr-3778	406	2	national bureau of economic research	ORG
fsr-3778	408	1	1990	DATE
fsr-3778	408	2	february	DATE
fsr-3778	409	1	aba bunking journal	ORG
fsr-3778	409	2	82(february	DATE
fsr-3778	409	3	42-44	DATE
fsr-3778	410	1	a.	PERSON
fsr-3778	410	2	1994	DATE
fsr-3778	411	1	iowa	GPE
fsr-3778	412	1	m. bretz	PERSON
fsr-3778	412	2	ed	PERSON
fsr-3778	413	1	ames	GPE
fsr-3778	413	2	iowa state university.	ORG
fsr-3778	414	1	federal reserve system	ORG
fsr-3778	415	1	1991	DATE
fsr-3778	415	2	september	DATE
fsr-3778	416	1	u.s.	GPE
fsr-3778	416	2	1945-1990	DATE
fsr-3778	417	1	washington	GPE
fsr-3778	417	2	dc	GPE
fsr-3778	418	1	friedland	PERSON
fsr-3778	418	2	m.	PERSON
fsr-3778	418	3	1993	DATE
fsr-3778	420	1	september/october	DATE
fsr-3778	420	2	13	CARDINAL
fsr-3778	421	1	garman	ORG
fsr-3778	421	2	e.t.	PERSON
fsr-3778	421	3	r.e.	PERSON
fsr-3778	421	4	1991	DATE
fsr-3778	422	1	personaljnance	PERSON
fsr-3778	423	1	3rd	ORDINAL
fsr-3778	424	1	boston	GPE
fsr-3778	424	2	ma: houghton mifflin company	ORG
fsr-3778	425	1	1990	DATE
fsr-3778	427	1	june	DATE
fsr-3778	427	2	26	CARDINAL
fsr-3778	428	1	grablowsky	ORG
fsr-3778	428	2	b.j.	GPE
fsr-3778	428	3	w.k.	GPE
fsr-3778	428	4	1981	DATE
fsr-3778	430	1	journal of economics	ORG
fsr-3778	430	2	254	CARDINAL
fsr-3778	431	1	griffith	ORG
fsr-3778	431	2	r.	PERSON
fsr-3778	431	3	1985	DATE
fsr-3778	433	1	ed	PERSON
fsr-3778	433	2	third	ORDINAL
fsr-3778	433	3	annual	DATE
fsr-3778	434	1	123-l 31	DATE
fsr-3778	435	1	iowa state university	ORG
fsr-3778	436	1	ames	GPE
fsr-3778	436	2	ia	GPE
fsr-3778	437	1	harney	PERSON
fsr-3778	437	2	1994	DATE
fsr-3778	439	1	february 5	DATE
fsr-3778	440	1	hira	PERSON
fsr-3778	440	2	t.k.	GPE
fsr-3778	440	3	1992	DATE
fsr-3778	442	1	io	ORG
fsr-3778	442	2	120-l 38	DATE
fsr-3778	443	1	horrigan	PERSON
fsr-3778	443	2	j.o.	GPE
fsr-3778	444	1	ed	PERSON
fsr-3778	445	1	1978	DATE
fsr-3778	447	1	new york	GPE
fsr-3778	448	1	hughes	ORG
fsr-3778	448	2	j.w.	GPE
fsr-3778	448	3	1991	DATE
fsr-3778	450	1	american	NORP
fsr-3778	450	2	13(july	DATE
fsr-3778	450	3	44	CARDINAL
fsr-3778	451	1	irvin	PERSON
fsr-3778	451	2	s.	PERSON
fsr-3778	451	3	1994	DATE
fsr-3778	453	1	january/february	DATE
fsr-3778	453	2	37	CARDINAL
fsr-3778	454	1	u.s.	GPE
fsr-3778	454	2	1989	DATE
fsr-3778	456	1	m.a.	PERSON
fsr-3778	456	2	university of wisconsin	ORG
fsr-3778	456	3	madison	GPE
fsr-3778	456	4	jenson, h. (1992	ORG
fsr-3778	458	1	15	CARDINAL
fsr-3778	459	1	jost	PERSON
fsr-3778	459	2	a.	PERSON
fsr-3778	459	3	1993	DATE
fsr-3778	461	1	81(4	DATE
fsr-3778	461	2	26	CARDINAL
fsr-3778	462	1	j.e.	PERSON
fsr-3778	462	2	r.k.	GPE
fsr-3778	462	3	d.e.	GPE
fsr-3778	462	4	1990	DATE
fsr-3778	464	1	new york	GPE
fsr-3778	465	1	k.e.	GPE
fsr-3778	465	2	1989	DATE
fsr-3778	466	1	101	CARDINAL
fsr-3778	467	1	28	CARDINAL
fsr-3778	469	1	1995	DATE
fsr-3778	470	1	april	DATE
fsr-3778	470	2	268	CARDINAL
fsr-3778	471	1	livingstone	ORG
fsr-3778	471	2	sm.	GPE
fsr-3778	471	3	& lunt	ORG
fsr-3778	471	4	p.k.	GPE
fsr-3778	471	5	1992	DATE
fsr-3778	473	1	13	CARDINAL
fsr-3778	473	2	11	CARDINAL
fsr-3778	474	1	m.s.	GPE
fsr-3778	474	2	j.j.	PERSON
fsr-3778	474	3	1977	DATE
fsr-3778	475	1	second	ORDINAL
fsr-3778	476	1	37,29	CARDINAL
fsr-3778	477	1	luckett	PERSON
fsr-3778	477	2	c.a.	GPE
fsr-3778	477	3	1988	DATE
fsr-3778	479	1	federal reserve bulletin	ORG
fsr-3778	479	2	591	CARDINAL
fsr-3778	480	1	156	CARDINAL
fsr-3778	480	2	4(2	CARDINAL
fsr-3778	480	3	1995	DATE
fsr-3778	480	4	j.d.	GPE
fsr-3778	480	5	1985	DATE
fsr-3778	482	1	federal reserve bulletin	ORG
fsr-3778	482	2	71(6	CARDINAL
fsr-3778	482	3	3891102	DATE
fsr-3778	483	1	lyons	PERSON
fsr-3778	483	2	f.	PERSON
fsr-3778	483	3	1993	DATE
fsr-3778	485	1	36	CARDINAL
fsr-3778	486	1	lytton	ORG
fsr-3778	486	2	r.h.	GPE
fsr-3778	486	3	garman	PERSON
fsr-3778	486	4	e.t.	PERSON
fsr-3778	486	5	n.m.	GPE
fsr-3778	486	6	1991	DATE
fsr-3778	488	1	2,3-23	CARDINAL
fsr-3778	489	1	lytton	PERSON
fsr-3778	489	2	r.h.	GPE
fsr-3778	489	3	k.r.	GPE
fsr-3778	489	4	1994	DATE
fsr-3778	490	1	virginians	NORP
fsr-3778	490	2	today	DATE
fsr-3778	491	1	a.a.	GPE
fsr-3778	491	2	m.j. sporakowski	PERSON
fsr-3778	491	3	virginia	GPE
fsr-3778	491	4	blacksburg	GPE
fsr-3778	491	5	vp1 & su college	ORG
fsr-3778	492	1	makowski	PERSON
fsr-3778	492	2	1985	DATE
fsr-3778	494	1	74	CARDINAL
fsr-3778	494	2	1	CARDINAL
fsr-3778	494	3	november-december	DATE
fsr-3778	494	4	30	CARDINAL
fsr-3778	496	1	1988	DATE
fsr-3778	497	1	6	CARDINAL
fsr-3778	497	2	34	CARDINAL
fsr-3778	498	1	marshall	PERSON
fsr-3778	498	2	j.	PERSON
fsr-3778	498	3	1992	DATE
fsr-3778	500	1	united states banker	ORG
fsr-3778	500	2	102(8	CARDINAL
fsr-3778	500	3	august	DATE
fsr-3778	500	4	49-50	CARDINAL
fsr-3778	501	1	mason	GPE
fsr-3778	501	2	j.w.	GPE
fsr-3778	501	3	r.	PERSON
fsr-3778	501	4	1988	DATE
fsr-3778	503	1	the institute of certified financial planners	ORG
fsr-3778	503	2	71-87	DATE
fsr-3778	505	1	1994	DATE
fsr-3778	507	1	january-february	DATE
fsr-3778	507	2	12	CARDINAL
fsr-3778	508	1	mierzwinski	PERSON
fsr-3778	508	2	e. (1995	ORG
fsr-3778	510	1	83(3	DATE
fsr-3778	510	2	january-february	DATE
fsr-3778	510	3	29-31	DATE
fsr-3778	511	1	o’neill	ORG
fsr-3778	511	2	b.m.	GPE
fsr-3778	511	3	lytton	PERSON
fsr-3778	511	4	r.h.	GPE
fsr-3778	511	5	k.r.	GPE
fsr-3778	511	6	1995	DATE
fsr-3778	513	1	s. hanna	PERSON
fsr-3778	513	2	biennial	DATE
fsr-3778	514	1	washington	GPE
fsr-3778	514	2	dc	GPE
fsr-3778	514	3	american association	ORG
fsr-3778	515	1	overstreet	PERSON
fsr-3778	515	2	g.a.	PERSON
fsr-3778	515	3	& kemp	ORG
fsr-3778	515	4	r.s.	PERSON
fsr-3778	515	5	jr.	PERSON
fsr-3778	515	6	1986	DATE
fsr-3778	517	1	8	CARDINAL
fsr-3778	517	2	1 & 2	DATE
fsr-3778	517	3	79-86	DATE
fsr-3778	518	1	pellegrino	PERSON
fsr-3778	518	2	m.k.	GPE
fsr-3778	518	3	1988	DATE
fsr-3778	519	1	the 1980s	DATE
fsr-3778	520	1	26	CARDINAL
fsr-3778	521	1	peterson	PERSON
fsr-3778	521	2	cm.	GPE
fsr-3778	521	3	r.l.	GPE
fsr-3778	521	4	1981	DATE
fsr-3778	523	1	3	CARDINAL
fsr-3778	523	2	1, march	DATE
fsr-3778	523	3	1-6	CARDINAL
fsr-3778	524	1	prather	GPE
fsr-3778	524	2	c.g.	GPE
fsr-3778	524	3	1990	DATE
fsr-3778	526	1	1.53-69	CARDINAL
fsr-3778	527	1	pressel	PERSON
fsr-3778	527	2	j.r.	GPE
fsr-3778	527	3	1991	DATE
fsr-3778	529	1	93(2	CARDINAL
fsr-3778	529	2	12	CARDINAL
fsr-3778	530	1	a.	PERSON
fsr-3778	530	2	1992	DATE
fsr-3778	532	1	68(september	DATE
fsr-3778	532	2	57	CARDINAL
fsr-3778	533	1	1992	DATE
fsr-3778	535	1	september	DATE
fsr-3778	535	2	45	CARDINAL
fsr-3778	535	3	1993	DATE
fsr-3778	537	1	75(april	DATE
fsr-3778	537	2	34	CARDINAL
fsr-3778	538	1	rosenberg	PERSON
fsr-3778	538	2	e., & gleit	ORG
fsr-3778	538	3	a.	PERSON
fsr-3778	538	4	1994	DATE
fsr-3778	540	1	2(4	MONEY
fsr-3778	540	2	july-august	DATE
fsr-3778	540	3	589	CARDINAL
fsr-3778	540	4	scheld	GPE
fsr-3778	540	5	k.a.	GPE
fsr-3778	540	6	1993	DATE
fsr-3778	541	1	the 1990s	DATE
fsr-3778	542	1	chicago	GPE
fsr-3778	542	2	the federal reserve bank of chicago	ORG
fsr-3778	543	1	1984	DATE
fsr-3778	544	1	the united states	GPE
fsr-3778	544	2	1945-198 1	DATE
fsr-3778	545	1	213	CARDINAL
fsr-3778	546	1	m. (	PERSON
fsr-3778	546	2	1993	DATE
fsr-3778	548	1	washington	GPE
fsr-3778	548	2	january 12	DATE
fsr-3778	550	1	sullivan	PERSON
fsr-3778	550	2	r.m.	ORG
fsr-3778	550	3	1988	DATE
fsr-3778	552	1	lo(3, fall	GPE
fsr-3778	552	2	53	CARDINAL
fsr-3778	553	1	sullivan	PERSON
fsr-3778	553	2	t.a.	GPE
fsr-3778	553	3	warren	PERSON
fsr-3778	553	4	e., & westbrook	ORG
fsr-3778	553	5	j.l.	GPE
fsr-3778	553	6	1989	DATE
fsr-3778	554	1	america	GPE
fsr-3778	555	1	new york	GPE
fsr-3778	555	2	oxford university	ORG
fsr-3778	556	1	wagner	ORG
fsr-3778	556	2	g.m.	PERSON
fsr-3778	556	3	reichart	GPE
fsr-3778	556	4	a.k.	GPE
fsr-3778	556	5	1983	DATE
fsr-3778	558	1	71(6	CARDINAL
fsr-3778	558	2	july-august	DATE
fsr-3778	558	3	22	CARDINAL
fsr-3778	560	1	1992	DATE
fsr-3778	561	1	u.s.	GPE
fsr-3778	561	2	102(9	DATE
fsr-3778	561	3	47	CARDINAL