id	sid	eid	entity	type
fsr-3889	1	1	michael s.	PERSON
fsr-3889	1	2	jonathan j. fox	PERSON
fsr-3889	1	3	catherine p. montalto	PERSON
fsr-3889	1	4	the ohio state university	ORG
fsr-3889	1	5	1787	DATE
fsr-3889	1	6	neil avenue	PERSON
fsr-3889	1	7	columbus	GPE
fsr-3889	1	8	14 may 1999	DATE
fsr-3889	1	9	20 september 1999	DATE
fsr-3889	1	10	18	CARDINAL
fsr-3889	1	11	october 1999	DATE
fsr-3889	1	12	1995	DATE
fsr-3889	6	1	2000	DATE
fsr-3889	6	2	science inc.	ORG
fsr-3889	8	1	jel	ORG
fsr-3889	8	2	g11	ORG
fsr-3889	8	3	1	CARDINAL
fsr-3889	10	1	the wall street journal	ORG
fsr-3889	10	2	boyce	NORP
fsr-3889	10	3	1998	DATE
fsr-3889	10	4	mabry	ORG
fsr-3889	10	5	1999	DATE
fsr-3889	11	1	ariel mutual	ORG
fsr-3889	11	2	charles schwab	PERSON
fsr-3889	13	1	614	CARDINAL
fsr-3889	14	1	8 (1999	DATE
fsr-3889	14	2	149–162	CARDINAL
fsr-3889	15	1	2000	DATE
fsr-3889	15	2	science inc.	ORG
fsr-3889	19	1	first	ORDINAL
fsr-3889	27	1	1995	DATE
fsr-3889	27	2	nearly $50	MONEY
fsr-3889	27	3	000	CARDINAL
fsr-3889	29	1	american	NORP
fsr-3889	32	1	2	CARDINAL
fsr-3889	32	2	jackson	PERSON
fsr-3889	32	3	1989	DATE
fsr-3889	32	4	myers	ORG
fsr-3889	32	5	chung, 1996	ORG
fsr-3889	34	1	1996	DATE
fsr-3889	34	2	jiankoplos	GPE
fsr-3889	34	3	1999	DATE
fsr-3889	34	4	embrey	PERSON
fsr-3889	34	5	fox	ORG
fsr-3889	34	6	1997	DATE
fsr-3889	34	7	chung, 1996	ORG
fsr-3889	34	8	schooley	ORG
fsr-3889	34	9	worden	GPE
fsr-3889	34	10	1996	DATE
fsr-3889	34	11	zhong	PERSON
fsr-3889	34	12	xiao	PERSON
fsr-3889	34	13	1995	DATE
fsr-3889	35	1	1997	DATE
fsr-3889	37	1	myers	ORG
fsr-3889	37	2	chung (1996	ORG
fsr-3889	38	1	myers	ORG
fsr-3889	38	2	150	CARDINAL
fsr-3889	38	3	m.s.	ORG
fsr-3889	38	4	8 (1999	DATE
fsr-3889	38	5	149–162	CARDINAL
fsr-3889	38	6	chung	GPE
fsr-3889	39	1	years	DATE
fsr-3889	40	1	schooley	PERSON
fsr-3889	40	2	worden	GPE
fsr-3889	40	3	1996	DATE
fsr-3889	40	4	1989	DATE
fsr-3889	43	1	worden	GPE
fsr-3889	44	1	embrey	PERSON
fsr-3889	44	2	fox	ORG
fsr-3889	44	3	1997	DATE
fsr-3889	44	4	1995	DATE
fsr-3889	45	1	tobit	ORG
fsr-3889	48	1	1997	DATE
fsr-3889	48	2	1992	DATE
fsr-3889	49	1	yuh	PERSON
fsr-3889	51	1	devaney	PERSON
fsr-3889	51	2	1996	DATE
fsr-3889	52	1	zhong	PERSON
fsr-3889	52	2	xiao	PERSON
fsr-3889	52	3	1995	DATE
fsr-3889	52	4	1989	DATE
fsr-3889	56	1	shaw	ORG
fsr-3889	56	2	1996	DATE
fsr-3889	56	3	1983	DATE
fsr-3889	56	4	1986	DATE
fsr-3889	57	1	shaw	ORG
fsr-3889	58	1	shaw	PERSON
fsr-3889	59	1	bajtelsmit	PERSON
fsr-3889	59	2	1999	DATE
fsr-3889	63	1	151m.s	CARDINAL
fsr-3889	64	1	8 (1999	DATE
fsr-3889	64	2	149–162	CARDINAL
fsr-3889	70	1	bajtelsmit	PERSON
fsr-3889	70	2	1999	DATE
fsr-3889	70	3	embrey	PERSON
fsr-3889	70	4	fox	ORG
fsr-3889	70	5	1997	DATE
fsr-3889	70	6	jackson	PERSON
fsr-3889	70	7	1989	DATE
fsr-3889	75	1	first	ORDINAL
fsr-3889	75	2	ando	GPE
fsr-3889	75	3	modigliani	ORG
fsr-3889	75	4	1963	DATE
fsr-3889	78	1	deaton	PERSON
fsr-3889	78	2	1992	DATE
fsr-3889	78	3	two	CARDINAL
fsr-3889	78	4	at11 5	CARDINAL
fsr-3889	78	5	1	CARDINAL
fsr-3889	78	6	1	CARDINAL
fsr-3889	78	7	at11 5	PERCENT
fsr-3889	78	8	5	CARDINAL
fsr-3889	78	9	5	CARDINAL
fsr-3889	78	10	5	CARDINAL
fsr-3889	79	1	deaton	PERSON
fsr-3889	80	1	5	CARDINAL
fsr-3889	80	2	1	CARDINAL
fsr-3889	80	3	1	CARDINAL
fsr-3889	81	1	2	CARDINAL
fsr-3889	81	2	5	CARDINAL
fsr-3889	81	3	152	CARDINAL
fsr-3889	81	4	m.s.	GPE
fsr-3889	81	5	8 (1999	DATE
fsr-3889	81	6	149–162	CARDINAL
fsr-3889	81	7	5	CARDINAL
fsr-3889	81	8	5	CARDINAL
fsr-3889	81	9	5	CARDINAL
fsr-3889	81	10	etvt11(11rit11(sni	PRODUCT
fsr-3889	81	11	5	CARDINAL
fsr-3889	83	1	2	CARDINAL
fsr-3889	83	2	1	CARDINAL
fsr-3889	83	3	3 yt(ct)5et[(11rit11)vt11(at11	DATE
fsr-3889	84	1	3	CARDINAL
fsr-3889	85	1	3	CARDINAL
fsr-3889	85	2	today	DATE
fsr-3889	92	1	siegel	PERSON
fsr-3889	92	2	1994	DATE
fsr-3889	94	1	3	CARDINAL
fsr-3889	94	2	1995	DATE
fsr-3889	95	1	the federal reserve board	ORG
fsr-3889	96	1	3,939	CARDINAL
fsr-3889	97	1	five	CARDINAL
fsr-3889	97	2	1997	DATE
fsr-3889	98	1	montalto	PERSON
fsr-3889	98	2	1996	DATE
fsr-3889	99	1	all five	CARDINAL
fsr-3889	100	1	1998	DATE
fsr-3889	101	1	us	GPE
fsr-3889	101	2	mcmanus	GPE
fsr-3889	101	3	woodburn, 1996	ORG
fsr-3889	104	1	mcmanus	GPE
fsr-3889	104	2	1993	DATE
fsr-3889	104	3	1998	DATE
fsr-3889	104	4	153m.s	CARDINAL
fsr-3889	104	5	8 (1999	DATE
fsr-3889	104	6	149–162	CARDINAL
fsr-3889	107	1	zero	CARDINAL
fsr-3889	109	1	1	CARDINAL
fsr-3889	111	1	1	CARDINAL
fsr-3889	111	2	51	CARDINAL
fsr-3889	111	3	51	CARDINAL
fsr-3889	111	4	0	CARDINAL
fsr-3889	111	5	51	CARDINAL
fsr-3889	111	6	51 if years	DATE
fsr-3889	111	7	12	CARDINAL
fsr-3889	111	8	0	CARDINAL
fsr-3889	111	9	51 if years	DATE
fsr-3889	111	10	education5 12	FAC
fsr-3889	111	11	0	CARDINAL
fsr-3889	112	1	12	CARDINAL
fsr-3889	112	2	16	CARDINAL
fsr-3889	112	3	0	CARDINAL
fsr-3889	112	4	1000	MONEY
fsr-3889	112	5	thousands	CARDINAL
fsr-3889	112	6	annual	DATE
fsr-3889	112	7	two	CARDINAL
fsr-3889	112	8	51	CARDINAL
fsr-3889	112	9	# $20,280	MONEY
fsr-3889	112	10	0	CARDINAL
fsr-3889	112	11	51	CARDINAL
fsr-3889	113	1	113,000	MONEY
fsr-3889	113	2	0	CARDINAL
fsr-3889	113	3	51	CARDINAL
fsr-3889	113	4	0	CARDINAL
fsr-3889	113	5	51	CARDINAL
fsr-3889	113	6	0	CARDINAL
fsr-3889	113	7	51	CARDINAL
fsr-3889	113	8	51	CARDINAL
fsr-3889	113	9	0	CARDINAL
fsr-3889	113	10	51	CARDINAL
fsr-3889	113	11	51	CARDINAL
fsr-3889	113	12	next 5 years	DATE
fsr-3889	113	13	0	CARDINAL
fsr-3889	113	14	51	CARDINAL
fsr-3889	113	15	next 5 years	DATE
fsr-3889	113	16	0	CARDINAL
fsr-3889	113	17	0	CARDINAL
fsr-3889	113	18	51	CARDINAL
fsr-3889	113	19	less than a year 52	DATE
fsr-3889	113	20	years 53	DATE
fsr-3889	113	21	years 54	DATE
fsr-3889	113	22	5–10 years 55	DATE
fsr-3889	113	23	more than 10 years	DATE
fsr-3889	113	24	m.s.	GPE
fsr-3889	113	25	8 (1999	DATE
fsr-3889	113	26	149–162	CARDINAL
fsr-3889	115	1	jackson	PERSON
fsr-3889	115	2	1989	DATE
fsr-3889	115	3	two	CARDINAL
fsr-3889	116	1	two	CARDINAL
fsr-3889	118	1	two	CARDINAL
fsr-3889	121	1	jackson	GPE
fsr-3889	121	2	1989	DATE
fsr-3889	121	3	three	CARDINAL
fsr-3889	122	1	two	CARDINAL
fsr-3889	123	1	two	CARDINAL
fsr-3889	129	1	two	CARDINAL
fsr-3889	130	1	first	ORDINAL
fsr-3889	132	1	ofx2	ORG
fsr-3889	133	1	second	ORDINAL
fsr-3889	134	1	155m.s	CARDINAL
fsr-3889	135	1	8 (1999	DATE
fsr-3889	135	2	149–162	CARDINAL
fsr-3889	136	1	thex2	PERSON
fsr-3889	137	1	4	CARDINAL
fsr-3889	137	2	2	CARDINAL
fsr-3889	137	3	two	CARDINAL
fsr-3889	138	1	51%	PERCENT
fsr-3889	138	2	55%	PERCENT
fsr-3889	139	1	53%	PERCENT
fsr-3889	139	2	42%	PERCENT
fsr-3889	139	3	10%	PERCENT
fsr-3889	139	4	less than 4%	PERCENT
fsr-3889	140	1	2.64	CARDINAL
fsr-3889	140	2	2.49	CARDINAL
fsr-3889	142	1	only 23%	PERCENT
fsr-3889	142	2	46%	PERCENT
fsr-3889	145	1	two	CARDINAL
fsr-3889	145	2	246	MONEY
fsr-3889	145	3	287	CARDINAL
fsr-3889	145	4	only $45	MONEY
fsr-3889	145	5	854	CARDINAL
fsr-3889	147	1	60%	PERCENT
fsr-3889	147	2	42%	PERCENT
fsr-3889	149	1	approximately three and a half years	DATE
fsr-3889	149	2	five years	DATE
fsr-3889	153	1	thex2	PERSON
fsr-3889	153	2	3	CARDINAL
fsr-3889	154	1	58%	PERCENT
fsr-3889	154	2	only 24%	PERCENT
fsr-3889	157	1	thex2	PERSON
fsr-3889	157	2	3	CARDINAL
fsr-3889	160	1	156	CARDINAL
fsr-3889	160	2	m.s.	ORG
fsr-3889	160	3	8 (1999	DATE
fsr-3889	160	4	149–162	CARDINAL
fsr-3889	160	5	2	CARDINAL
fsr-3889	160	6	46.2 49.5	CARDINAL
fsr-3889	160	7	5 14.152	CARDINAL
fsr-3889	160	8	19.00%	PERCENT
fsr-3889	160	9	18.88%	PERCENT
fsr-3889	160	10	8.077	CARDINAL
fsr-3889	160	11	51.16%	PERCENT
fsr-3889	160	12	25.80%	PERCENT
fsr-3889	160	13	29.90%	PERCENT
fsr-3889	160	14	55.19%	PERCENT
fsr-3889	160	15	2.64 2.49	CARDINAL
fsr-3889	160	16	5 77.835	CARDINAL
fsr-3889	160	17	36.69%	PERCENT
fsr-3889	160	18	60.93%	PERCENT
fsr-3889	160	19	778.619	CARDINAL
fsr-3889	160	20	53.23%	PERCENT
fsr-3889	160	21	42.00%	PERCENT
fsr-3889	160	22	175.724	CARDINAL
fsr-3889	160	23	9.95%	PERCENT
fsr-3889	160	24	3.70%	PERCENT
fsr-3889	160	25	222.252	CARDINAL
fsr-3889	160	26	2.01%	PERCENT
fsr-3889	160	27	4.00%	PERCENT
fsr-3889	160	28	6.045	CARDINAL
fsr-3889	160	29	28.60%	PERCENT
fsr-3889	160	30	17.57%	PERCENT
fsr-3889	160	31	35.35%	PERCENT
fsr-3889	160	32	29.94%	PERCENT
fsr-3889	161	1	23.10%	PERCENT
fsr-3889	161	2	23.38%	PERCENT
fsr-3889	161	3	8.311	CARDINAL
fsr-3889	161	4	12.98%	PERCENT
fsr-3889	161	5	29.11%	PERCENT
fsr-3889	162	1	532.301	CARDINAL
fsr-3889	162	2	45,854	MONEY
fsr-3889	162	3	246,287	MONEY
fsr-3889	162	4	5 8.37	CARDINAL
fsr-3889	162	5	annual	DATE
fsr-3889	162	6	$23,826 $	MONEY
fsr-3889	162	7	52,231	MONEY
fsr-3889	162	8	5 7.173	CARDINAL
fsr-3889	162	9	22.80%	PERCENT
fsr-3889	162	10	46.14%	PERCENT
fsr-3889	162	11	940.50	CARDINAL
fsr-3889	162	12	49,511	MONEY
fsr-3889	162	13	185,643	MONEY
fsr-3889	162	14	5	CARDINAL
fsr-3889	162	15	7.809	CARDINAL
fsr-3889	162	16	$377 $	MONEY
fsr-3889	162	17	17,639	MONEY
fsr-3889	162	18	5 2.686	CARDINAL
fsr-3889	162	19	12.34%	PERCENT
fsr-3889	162	20	16.93%	PERCENT
fsr-3889	162	21	5 23.245	CARDINAL
fsr-3889	162	22	$3,355 $	MONEY
fsr-3889	162	23	53,378	MONEY
fsr-3889	162	24	5 3.65	CARDINAL
fsr-3889	162	25	$153 $	MONEY
fsr-3889	162	26	7,443	MONEY
fsr-3889	162	27	5 4.452	CARDINAL
fsr-3889	162	28	10.98%	PERCENT
fsr-3889	162	29	24.05%	PERCENT
fsr-3889	162	30	321.16	CARDINAL
fsr-3889	162	31	4.34%	PERCENT
fsr-3889	162	32	15.41%	PERCENT
fsr-3889	162	33	59.72%	PERCENT
fsr-3889	162	34	42.19%	PERCENT
fsr-3889	163	1	29.59%	PERCENT
fsr-3889	163	2	39.72%	PERCENT
fsr-3889	163	3	5 118.695	CARDINAL
fsr-3889	163	4	7.03%	PERCENT
fsr-3889	163	5	14.73%	PERCENT
fsr-3889	163	6	156.905	CARDINAL
fsr-3889	163	7	3.65%	PERCENT
fsr-3889	163	8	3.36%	PERCENT
fsr-3889	163	9	2.729	MONEY
fsr-3889	163	10	united states	GPE
fsr-3889	163	11	28.99%	PERCENT
fsr-3889	163	12	25.22%	PERCENT
fsr-3889	163	13	5 9.180	CARDINAL
fsr-3889	163	14	38.54%	PERCENT
fsr-3889	163	15	51.67%	PERCENT
fsr-3889	163	16	136.30	CARDINAL
fsr-3889	163	17	33.47%	PERCENT
fsr-3889	163	18	23.11%	PERCENT
fsr-3889	163	19	118.714	CARDINAL
fsr-3889	163	20	36.10%	PERCENT
fsr-3889	163	21	12.90%	PERCENT
fsr-3889	163	22	3.45 5.17	CARDINAL
fsr-3889	163	23	5 118.93	CARDINAL
fsr-3889	163	24	9.06%	PERCENT
fsr-3889	163	25	9.07%	PERCENT
fsr-3889	163	26	40.41%	PERCENT
fsr-3889	163	27	33.51%	PERCENT
fsr-3889	163	28	5 62.252	CARDINAL
fsr-3889	163	29	0.00%	PERCENT
fsr-3889	163	30	0.10%	PERCENT
fsr-3889	163	31	5 4.274	CARDINAL
fsr-3889	163	32	9.28%	PERCENT
fsr-3889	163	33	8.49%	PERCENT
fsr-3889	163	34	1.84%	PERCENT
fsr-3889	163	35	3.13%	PERCENT
fsr-3889	163	36	2.241	CARDINAL
fsr-3889	163	37	11.72%	PERCENT
fsr-3889	163	38	9.31%	PERCENT
fsr-3889	163	39	48.399	CARDINAL
fsr-3889	163	40	5.24%	PERCENT
fsr-3889	163	41	4.67%	PERCENT
fsr-3889	163	42	3.011	CARDINAL
fsr-3889	163	43	source:1995	CARDINAL
fsr-3889	163	44	all five	CARDINAL
fsr-3889	164	1	0.05	MONEY
fsr-3889	165	1	157m.s	ORG
fsr-3889	166	1	8 (1999	DATE
fsr-3889	166	2	149–162	CARDINAL
fsr-3889	166	3	three	CARDINAL
fsr-3889	166	4	two	CARDINAL
fsr-3889	167	1	57%	PERCENT
fsr-3889	167	2	less than one third	CARDINAL
fsr-3889	167	3	32%	PERCENT
fsr-3889	168	1	3	CARDINAL
fsr-3889	169	1	4	CARDINAL
fsr-3889	170	1	first	ORDINAL
fsr-3889	171	1	0.001	CARDINAL
fsr-3889	172	1	5 0.956	CARDINAL
fsr-3889	172	2	0.001	CARDINAL
fsr-3889	173	1	second	ORDINAL
fsr-3889	177	1	thex2	PERSON
fsr-3889	177	2	3 chi-square	QUANTITY
fsr-3889	177	3	58.0%	PERCENT
fsr-3889	177	4	23.8%	PERCENT
fsr-3889	177	5	42.7%	PERCENT
fsr-3889	177	6	42.0%	PERCENT
fsr-3889	177	7	76.2%	PERCENT
fsr-3889	177	8	57.3%	PERCENT
fsr-3889	177	9	5 0.000	CARDINAL
fsr-3889	177	10	64.3%	PERCENT
fsr-3889	177	11	66.5%	PERCENT
fsr-3889	177	12	66.2%	PERCENT
fsr-3889	177	13	4.84	CARDINAL
fsr-3889	177	14	35.7%	PERCENT
fsr-3889	177	15	33.5%	PERCENT
fsr-3889	177	16	33.8%	PERCENT
fsr-3889	177	17	5 0.028	CARDINAL
fsr-3889	177	18	25%	PERCENT
fsr-3889	177	19	57.1%	PERCENT
fsr-3889	177	20	32.3%	PERCENT
fsr-3889	177	21	8,630	MONEY
fsr-3889	177	22	10,808	MONEY
fsr-3889	177	23	988.36	MONEY
fsr-3889	177	24	50%	PERCENT
fsr-3889	177	25	41.9%	PERCENT
fsr-3889	177	26	61.3%	PERCENT
fsr-3889	177	27	41,238	MONEY
fsr-3889	177	28	43.75	MONEY
fsr-3889	177	29	5 0.000	CARDINAL
fsr-3889	177	30	25%	PERCENT
fsr-3889	177	31	1.1%	PERCENT
fsr-3889	177	32	6.4%	PERCENT
fsr-3889	177	33	154,998 $293,668 567.56	MONEY
fsr-3889	177	34	5 0.000	CARDINAL
fsr-3889	177	35	158	CARDINAL
fsr-3889	177	36	m.s.	ORG
fsr-3889	177	37	8 (1999	DATE
fsr-3889	177	38	149–162	CARDINAL
fsr-3889	177	39	4	CARDINAL
fsr-3889	177	40	20.0539	CARDINAL
fsr-3889	177	41	20.2174	CARDINAL
fsr-3889	177	42	0.0513	CARDINAL
fsr-3889	177	43	20.0005	CARDINAL
fsr-3889	177	44	20.0005	CARDINAL
fsr-3889	177	45	20.0005	CARDINAL
fsr-3889	177	46	20.4152	CARDINAL
fsr-3889	177	47	20.4028	CARDINAL
fsr-3889	177	48	20.3611	CARDINAL
fsr-3889	177	49	20.4934	CARDINAL
fsr-3889	177	50	20.4442	CARDINAL
fsr-3889	177	51	20.4333	CARDINAL
fsr-3889	177	52	0.0633 0.0684 20.0423	MONEY
fsr-3889	177	53	20.0516	CARDINAL
fsr-3889	177	54	0.0036	CARDINAL
fsr-3889	177	55	21.1675	CARDINAL
fsr-3889	177	56	21.1515	CARDINAL
fsr-3889	177	57	20.5532	CARDINAL
fsr-3889	177	58	20.5434	CARDINAL
fsr-3889	178	1	20.4690	CARDINAL
fsr-3889	178	2	20.4616	CARDINAL
fsr-3889	178	3	20.4145	CARDINAL
fsr-3889	178	4	1000	MONEY
fsr-3889	178	5	0.0024	CARDINAL
fsr-3889	178	6	0.0024	CARDINAL
fsr-3889	178	7	0.0024	CARDINAL
fsr-3889	178	8	two	CARDINAL
fsr-3889	178	9	20.9783	CARDINAL
fsr-3889	178	10	20.9643	CARDINAL
fsr-3889	178	11	20.9282	CARDINAL
fsr-3889	178	12	0.9673	CARDINAL
fsr-3889	179	1	0.9781	CARDINAL
fsr-3889	179	2	0.4061	CARDINAL
fsr-3889	182	1	0.4031	CARDINAL
fsr-3889	182	2	0.1476 0.1164 0.1310	MONEY
fsr-3889	182	3	20.8074	CARDINAL
fsr-3889	182	4	20.7982	CARDINAL
fsr-3889	182	5	20.8275	CARDINAL
fsr-3889	182	6	0.3371	CARDINAL
fsr-3889	183	1	0.3242	CARDINAL
fsr-3889	183	2	0.3761	CARDINAL
fsr-3889	183	3	0.4046 0.4058 0.4698	MONEY
fsr-3889	183	4	20.0912	CARDINAL
fsr-3889	183	5	20.1350	CARDINAL
fsr-3889	183	6	20.1900 20.1775 20.1856	CARDINAL
fsr-3889	183	7	20.2974	CARDINAL
fsr-3889	183	8	20.2376 20.2842	CARDINAL
fsr-3889	183	9	0.0217	CARDINAL
fsr-3889	183	10	0.0201	CARDINAL
fsr-3889	183	11	20.4723	CARDINAL
fsr-3889	183	12	20.0973	CARDINAL
fsr-3889	183	13	20.0471	CARDINAL
fsr-3889	183	14	20.0006	CARDINAL
fsr-3889	183	15	20.2438	CARDINAL
fsr-3889	183	16	20.2477	CARDINAL
fsr-3889	183	17	1.0827	CARDINAL
fsr-3889	183	18	20.4227	CARDINAL
fsr-3889	183	19	21.0574	CARDINAL
fsr-3889	183	20	20.5167	CARDINAL
fsr-3889	183	21	20.5850	CARDINAL
fsr-3889	183	22	1000	MONEY
fsr-3889	183	23	20.0003	CARDINAL
fsr-3889	183	24	two	CARDINAL
fsr-3889	183	25	20.2863	CARDINAL
fsr-3889	183	26	20.7225	CARDINAL
fsr-3889	183	27	20.2140	CARDINAL
fsr-3889	183	28	20.3503 159m.s	CARDINAL
fsr-3889	184	1	8 (1999	DATE
fsr-3889	184	2	149–162	CARDINAL
fsr-3889	184	3	4	CARDINAL
fsr-3889	186	1	two	CARDINAL
fsr-3889	189	1	two	CARDINAL
fsr-3889	196	1	two	CARDINAL
fsr-3889	199	1	0.2520	CARDINAL
fsr-3889	199	2	20.8099	CARDINAL
fsr-3889	199	3	20.3540	CARDINAL
fsr-3889	199	4	0.5663	CARDINAL
fsr-3889	199	5	0.0543	CARDINAL
fsr-3889	199	6	0.0958	CARDINAL
fsr-3889	199	7	20.0033	CARDINAL
fsr-3889	199	8	22	CARDINAL
fsr-3889	199	9	3642.96	CARDINAL
fsr-3889	199	10	3632.23	CARDINAL
fsr-3889	199	11	3608.84	CARDINAL
fsr-3889	199	12	1995	DATE
fsr-3889	199	13	all five	CARDINAL
fsr-3889	199	14	five22	PERSON
fsr-3889	201	1	0.05	MONEY
fsr-3889	202	1	m.s.	ORG
fsr-3889	202	2	8 (1999	DATE
fsr-3889	203	1	149–162	CARDINAL
fsr-3889	205	1	the next five years	DATE
fsr-3889	206	1	5	CARDINAL
fsr-3889	209	1	two	CARDINAL
fsr-3889	213	1	1998	DATE
fsr-3889	220	1	boyce	ORG
fsr-3889	220	2	1998	DATE
fsr-3889	220	3	mabry	ORG
fsr-3889	220	4	1999	DATE
fsr-3889	220	5	myers	ORG
fsr-3889	220	6	chung, 1996	ORG
fsr-3889	220	7	zhong	PERSON
fsr-3889	220	8	xiao	PERSON
fsr-3889	220	9	1995	DATE
fsr-3889	227	1	8 (1999	DATE
fsr-3889	227	2	149–162	CARDINAL
fsr-3889	227	3	ando, a. & modigliani	ORG
fsr-3889	227	4	f.	PERSON
fsr-3889	227	5	1963	DATE
fsr-3889	228	1	53(1	CARDINAL
fsr-3889	228	2	55–74	CARDINAL
fsr-3889	229	1	bajtelsmit	PERSON
fsr-3889	229	2	v. & bernasek	ORG
fsr-3889	229	3	a. (1996	ORG
fsr-3889	230	1	7,1–9	DATE
fsr-3889	230	2	bajtelsmit	PERSON
fsr-3889	230	3	a. & jiankoplos	ORG
fsr-3889	230	4	1999	DATE
fsr-3889	231	1	8(1	CARDINAL
fsr-3889	231	2	1–10	CARDINAL
fsr-3889	232	1	boyce	ORG
fsr-3889	232	2	j.	PERSON
fsr-3889	232	3	1998	DATE
fsr-3889	234	1	the wall street journal	ORG
fsr-3889	234	2	231(69	ORG
fsr-3889	234	3	deaton	PERSON
fsr-3889	234	4	a.	PERSON
fsr-3889	234	5	clarendon	GPE
fsr-3889	235	1	embrey	PERSON
fsr-3889	235	2	l. & fox	ORG
fsr-3889	235	3	j. (	ORG
fsr-3889	235	4	1997	DATE
fsr-3889	236	1	8(2	CARDINAL
fsr-3889	236	2	33–39	CARDINAL
fsr-3889	237	1	hanna, s. & gutter	ORG
fsr-3889	237	2	m.	PERSON
fsr-3889	237	3	1998	DATE
fsr-3889	238	1	the academy of financial services,10–11	ORG
fsr-3889	239	1	jackson	GPE
fsr-3889	239	2	j. & lindley	ORG
fsr-3889	239	3	j. (	ORG
fsr-3889	239	4	1989	DATE
fsr-3889	241	1	21,515–540	CARDINAL
fsr-3889	242	1	a. b.	PERSON
fsr-3889	243	1	1995	DATE
fsr-3889	244	1	washington d.c	GPE
fsr-3889	246	1	kennickell	PERSON
fsr-3889	246	2	a. b. & mcmanus	PERSON
fsr-3889	246	3	d.	GPE
fsr-3889	246	4	1993	DATE
fsr-3889	247	1	1993	DATE
fsr-3889	247	2	the american statistical association	ORG
fsr-3889	247	3	atlanta	GPE
fsr-3889	247	4	ga	ORG
fsr-3889	247	5	kennickell	PERSON
fsr-3889	247	6	a. b.	PERSON
fsr-3889	247	7	mcmanus	GPE
fsr-3889	247	8	d. & woodburn	ORG
fsr-3889	247	9	r.l.	GPE
fsr-3889	247	10	1996	DATE
fsr-3889	248	1	1992	DATE
fsr-3889	251	1	mabry	PERSON
fsr-3889	251	2	t.	GPE
fsr-3889	251	3	1999	DATE
fsr-3889	252	1	stocks.the wall street journal	ORG
fsr-3889	252	2	233(94	CARDINAL
fsr-3889	252	3	montalto	PERSON
fsr-3889	252	4	c.p.	GPE
fsr-3889	253	1	1998	DATE
fsr-3889	254	1	perspective.consumer	ORG
fsr-3889	254	2	annual	DATE
fsr-3889	254	3	44	DATE
fsr-3889	254	4	232–233	CARDINAL
fsr-3889	254	5	montalto	PERSON
fsr-3889	254	6	c. p. & sung	ORG
fsr-3889	254	7	1996	DATE
fsr-3889	255	1	1992	DATE
fsr-3889	255	2	7,133–146	DATE
fsr-3889	255	3	montalto	PERSON
fsr-3889	255	4	c. p. & yuh	ORG
fsr-3889	255	5	1998	DATE
fsr-3889	256	1	9(1	CARDINAL
fsr-3889	257	1	97–101	CARDINAL
fsr-3889	257	2	myers	ORG
fsr-3889	257	3	s. & chung	ORG
fsr-3889	258	1	36(3	CARDINAL
fsr-3889	258	2	350–360	CARDINAL
fsr-3889	259	1	schooley	PERSON
fsr-3889	259	2	d. k. & worden	ORG
fsr-3889	259	3	d. d.	NORP
fsr-3889	259	4	1996	DATE
fsr-3889	261	1	5(2	DATE
fsr-3889	261	2	87–99	CARDINAL
fsr-3889	261	3	shaw	ORG
fsr-3889	261	4	k. (	PERSON
fsr-3889	261	5	1996	DATE
fsr-3889	262	1	14(4	CARDINAL
fsr-3889	262	2	626–653	CARDINAL
fsr-3889	263	1	siegel	PERSON
fsr-3889	263	2	j. j.	PERSON
fsr-3889	264	1	burr ridge	GPE
fsr-3889	264	2	il	PERSON
fsr-3889	264	3	irwin	PERSON
fsr-3889	265	1	yuh, y. & devaney	ORG
fsr-3889	265	2	s. (1996	ORG
fsr-3889	267	1	yuh, y. & hanna	ORG
fsr-3889	267	2	s. (1997	ORG
fsr-3889	268	1	annual	DATE
fsr-3889	268	2	the academy of financial services	ORG
fsr-3889	269	1	zhong, l. & xiao	ORG
fsr-3889	269	2	j. (	PERSON
fsr-3889	269	3	1995	DATE
fsr-3889	270	1	6,107–114	DATE
fsr-3889	271	1	162	CARDINAL
fsr-3889	271	2	8 (1999	DATE
fsr-3889	271	3	149–162	CARDINAL