id	sid	eid	entity	type
fsr-3902	1	1	s1057-0810(00)00048-2	TIME
fsr-3902	1	2	walt woerheide* department of finance	ORG
fsr-3902	1	3	rochester institute of technology	ORG
fsr-3902	1	4	108	CARDINAL
fsr-3902	1	5	rochester	GPE
fsr-3902	1	6	ny 14623-5608	ORG
fsr-3902	2	1	three	CARDINAL
fsr-3902	6	1	1	CARDINAL
fsr-3902	6	2	2	CARDINAL
fsr-3902	8	1	1999	DATE
fsr-3902	8	2	science inc.	ORG
fsr-3902	10	1	jel	ORG
fsr-3902	10	2	1	CARDINAL
fsr-3902	12	1	a few years	DATE
fsr-3902	16	1	11-716-475-5268	QUANTITY
fsr-3902	17	1	address:wjwbbu@rit.edu	ORG
fsr-3902	17	2	w. woerheide	PERSON
fsr-3902	18	1	8 (1999	DATE
fsr-3902	19	1	305–317	CARDINAL
fsr-3902	19	2	1999	DATE
fsr-3902	19	3	science inc.	ORG
fsr-3902	21	1	s1057-0810(00)00048-2	TIME
fsr-3902	25	1	one	CARDINAL
fsr-3902	30	1	first	ORDINAL
fsr-3902	35	1	2	CARDINAL
fsr-3902	35	2	the 1960s	DATE
fsr-3902	38	1	today	DATE
fsr-3902	41	1	today	DATE
fsr-3902	42	1	the late 1980s	DATE
fsr-3902	43	1	one	CARDINAL
fsr-3902	44	1	1	CARDINAL
fsr-3902	44	2	2	CARDINAL
fsr-3902	44	3	3	CARDINAL
fsr-3902	45	1	the mid ’90	DATE
fsr-3902	46	1	the end of the decade	DATE
fsr-3902	47	1	306	CARDINAL
fsr-3902	47	2	w. woerheide / financial services review	PRODUCT
fsr-3902	47	3	8 (1999	DATE
fsr-3902	47	4	305–317	CARDINAL
fsr-3902	49	1	five years ago	DATE
fsr-3902	50	1	two	CARDINAL
fsr-3902	51	1	five years ago	DATE
fsr-3902	52	1	daily	DATE
fsr-3902	62	1	3	CARDINAL
fsr-3902	65	1	the first day	DATE
fsr-3902	66	1	first	ORDINAL
fsr-3902	76	1	307w	CARDINAL
fsr-3902	76	2	8 (1999	DATE
fsr-3902	76	3	305–317	CARDINAL
fsr-3902	81	1	4.	CARDINAL
fsr-3902	84	1	first	ORDINAL
fsr-3902	85	1	one	CARDINAL
fsr-3902	86	1	second	ORDINAL
fsr-3902	89	1	one	CARDINAL
fsr-3902	93	1	one	CARDINAL
fsr-3902	105	1	five	CARDINAL
fsr-3902	106	1	second	ORDINAL
fsr-3902	107	1	today	DATE
fsr-3902	107	2	25	CARDINAL
fsr-3902	107	3	five	CARDINAL
fsr-3902	107	4	w. woerheide / financial services	ORG
fsr-3902	107	5	8 (1999	DATE
fsr-3902	107	6	305–317	CARDINAL
fsr-3902	107	7	five	CARDINAL
fsr-3902	107	8	two	CARDINAL
fsr-3902	111	1	annual	DATE
fsr-3902	112	1	every year	DATE
fsr-3902	114	1	one	CARDINAL
fsr-3902	115	1	two	CARDINAL
fsr-3902	117	1	recent years	DATE
fsr-3902	117	2	about 40%	PERCENT
fsr-3902	118	1	40%	PERCENT
fsr-3902	119	1	first	ORDINAL
fsr-3902	119	2	one	CARDINAL
fsr-3902	120	1	four	CARDINAL
fsr-3902	120	2	ten percent	PERCENT
fsr-3902	122	1	over 50%	PERCENT
fsr-3902	125	1	1,000	CARDINAL
fsr-3902	125	2	one-year later	DATE
fsr-3902	125	3	600	CARDINAL
fsr-3902	126	1	two years later	DATE
fsr-3902	131	1	two	CARDINAL
fsr-3902	132	1	one	CARDINAL
fsr-3902	133	1	more than one	CARDINAL
fsr-3902	134	1	second	ORDINAL
fsr-3902	138	1	8 (1999	DATE
fsr-3902	139	1	305–317 5	DATE
fsr-3902	142	1	two	CARDINAL
fsr-3902	143	1	first	ORDINAL
fsr-3902	144	1	second	ORDINAL
fsr-3902	145	1	6	CARDINAL
fsr-3902	146	1	1	CARDINAL
fsr-3902	146	2	2	CARDINAL
fsr-3902	147	1	1	CARDINAL
fsr-3902	161	1	rosefsky	PERSON
fsr-3902	161	2	keown	ORG
fsr-3902	161	3	kapoor	GPE
fsr-3902	161	4	dlabay	PERSON
fsr-3902	162	1	macdonald	PERSON
fsr-3902	162	2	joehnk	PERSON
fsr-3902	163	1	garman	PRODUCT
fsr-3902	163	2	boone	GPE
fsr-3902	163	3	kurtz	PERSON
fsr-3902	163	4	ho	NORP
fsr-3902	163	5	robinson	PERSON
fsr-3902	165	1	section 3	LAW
fsr-3902	165	2	section 4	LAW
fsr-3902	167	1	310	CARDINAL
fsr-3902	167	2	8 (1999	DATE
fsr-3902	167	3	305–317	CARDINAL
fsr-3902	167	4	1	CARDINAL
fsr-3902	167	5	bernard	PERSON
fsr-3902	167	6	fourth	ORDINAL
fsr-3902	167	7	prentice hall) 1997	ORG
fsr-3902	174	1	robert rosefsky	PERSON
fsr-3902	174	2	seventh	ORDINAL
fsr-3902	174	3	john wiley & sons	ORG
fsr-3902	174	4	1999	DATE
fsr-3902	175	1	www.wiley.com/college/rosefsky/modl/.	PERSON
fsr-3902	176	1	one	CARDINAL
fsr-3902	177	1	thewall street journal	ORG
fsr-3902	177	2	rosefsky	PERSON
fsr-3902	178	1	diane macdonald	PERSON
fsr-3902	178	2	1999	DATE
fsr-3902	181	1	first	ORDINAL
fsr-3902	184	1	arthur j. keown	PERSON
fsr-3902	184	2	prentice hall	ORG
fsr-3902	184	3	1998	DATE
fsr-3902	186	1	five	CARDINAL
fsr-3902	187	1	kiplinger	PERSON
fsr-3902	188	1	jack kapoor	PERSON
fsr-3902	188	2	les dlabay	PERSON
fsr-3902	188	3	robert j. hughes	PERSON
fsr-3902	188	4	fifth	ORDINAL
fsr-3902	188	5	irwin	ORG
fsr-3902	188	6	1999	DATE
fsr-3902	190	1	2	CARDINAL
fsr-3902	191	1	311w	ORG
fsr-3902	192	1	woerheide / financial services	ORG
fsr-3902	192	2	8 (1999	DATE
fsr-3902	192	3	305–317	CARDINAL
fsr-3902	194	1	first	ORDINAL
fsr-3902	200	1	two	CARDINAL
fsr-3902	201	1	7.1	CARDINAL
fsr-3902	203	1	one year	DATE
fsr-3902	204	1	at least 20	CARDINAL
fsr-3902	204	2	irs	ORG
fsr-3902	205	1	one	CARDINAL
fsr-3902	206	1	kwok ho	PERSON
fsr-3902	206	2	grady perdue	PERSON
fsr-3902	206	3	chris robinson personal financial planning	ORG
fsr-3902	206	4	1998	DATE
fsr-3902	207	1	lawrence gitman	PERSON
fsr-3902	207	2	michael joehnk personal financial planning	PERSON
fsr-3902	207	3	eighth	ORDINAL
fsr-3902	207	4	dryden press	ORG
fsr-3902	207	5	1999	DATE
fsr-3902	208	1	five	CARDINAL
fsr-3902	209	1	e. thomas garman	PERSON
fsr-3902	209	2	raymond forgue personal finance	ORG
fsr-3902	209	3	fifth	ORDINAL
fsr-3902	209	4	houghton mifflin	GPE
fsr-3902	209	5	1997	DATE
fsr-3902	212	1	iii louis boone	PERSON
fsr-3902	212	2	david kurtz	PERSON
fsr-3902	212	3	douglas hearth	PERSON
fsr-3902	212	4	dryden press	ORG
fsr-3902	212	5	1997	DATE
fsr-3902	214	1	only one	CARDINAL
fsr-3902	214	2	seven	CARDINAL
fsr-3902	216	1	312	CARDINAL
fsr-3902	216	2	w.	PERSON
fsr-3902	216	3	8 (1999	DATE
fsr-3902	216	4	305–317	CARDINAL
fsr-3902	219	1	one	CARDINAL
fsr-3902	220	1	7.2	CARDINAL
fsr-3902	221	1	2	CARDINAL
fsr-3902	221	2	113	CARDINAL
fsr-3902	221	3	383	CARDINAL
fsr-3902	221	4	2 163	CARDINAL
fsr-3902	221	5	2	CARDINAL
fsr-3902	221	6	rosefsky	PERSON
fsr-3902	221	7	newsletter & updates ramaglia	ORG
fsr-3902	221	8	keown 112 148	ORG
fsr-3902	221	9	60	CARDINAL
fsr-3902	221	10	kiplinger	PERSON
fsr-3902	221	11	kapoor	GPE
fsr-3902	221	12	dlabay	GPE
fsr-3902	221	13	222	CARDINAL
fsr-3902	221	14	pfp software	ORG
fsr-3902	222	1	spanish	NORP
fsr-3902	222	2	english	NORP
fsr-3902	223	1	ho	PERSON
fsr-3902	223	2	2	CARDINAL
fsr-3902	223	3	gitman &	ORG
fsr-3902	223	4	75	CARDINAL
fsr-3902	223	5	2 2	CARDINAL
fsr-3902	223	6	gitman &	ORG
fsr-3902	223	7	3	CARDINAL
fsr-3902	223	8	boone	ORG
fsr-3902	223	9	kurtz, &	ORG
fsr-3902	223	10	7	CARDINAL
fsr-3902	224	1	8 (1999	DATE
fsr-3902	224	2	305–317	CARDINAL
fsr-3902	226	1	at least 45 min	TIME
fsr-3902	229	1	about 15 min	TIME
fsr-3902	237	1	8	CARDINAL
fsr-3902	241	1	one	CARDINAL
fsr-3902	245	1	second	ORDINAL
fsr-3902	248	1	second	ORDINAL
fsr-3902	249	1	two years ago	DATE
fsr-3902	251	1	a few short years	DATE
fsr-3902	252	1	third	ORDINAL
fsr-3902	252	2	314	CARDINAL
fsr-3902	252	3	8 (1999	DATE
fsr-3902	253	1	305–317	CARDINAL
fsr-3902	254	1	three years ago	DATE
fsr-3902	254	2	15	CARDINAL
fsr-3902	255	1	two years ago	DATE
fsr-3902	255	2	the next few years	DATE
fsr-3902	256	1	hundreds	CARDINAL
fsr-3902	256	2	the last few years	DATE
fsr-3902	256	3	one	CARDINAL
fsr-3902	260	1	many, many hours	TIME
fsr-3902	261	1	9	CARDINAL
fsr-3902	271	1	two	CARDINAL
fsr-3902	274	1	first	ORDINAL
fsr-3902	275	1	one	CARDINAL
fsr-3902	276	1	today	DATE
fsr-3902	280	1	one	CARDINAL
fsr-3902	280	2	315w	PRODUCT
fsr-3902	281	1	woerheide / financial services	ORG
fsr-3902	281	2	8 (1999	DATE
fsr-3902	281	3	305–317	CARDINAL
fsr-3902	298	1	6	CARDINAL
fsr-3902	298	2	1999	DATE
fsr-3902	298	3	annual	DATE
fsr-3902	299	1	one	CARDINAL
fsr-3902	299	2	1998	DATE
fsr-3902	302	1	10	CARDINAL
fsr-3902	303	1	four	CARDINAL
fsr-3902	304	1	1	CARDINAL
fsr-3902	306	1	2	CARDINAL
fsr-3902	307	1	3	CARDINAL
fsr-3902	307	2	316	CARDINAL
fsr-3902	307	3	8 (1999	DATE
fsr-3902	307	4	305–317	CARDINAL
fsr-3902	309	1	4.	CARDINAL
fsr-3902	311	1	two	CARDINAL
fsr-3902	313	1	bob bohn	PERSON
fsr-3902	313	2	1998	DATE
fsr-3902	313	3	first	ORDINAL
fsr-3902	314	1	don holdren	PERSON
fsr-3902	316	1	8 (1999	DATE
fsr-3902	316	2	305–317	CARDINAL