id	sid	eid	entity	type
fsr-4082	1	1	48	CARDINAL
fsr-4082	1	2	steve p. fraser1	PERSON
fsr-4082	5	1	4.0	CARDINAL
fsr-4082	5	2	fraser	PERSON
fsr-4082	5	3	s. p.	PERSON
fsr-4082	5	4	2025	DATE
fsr-4082	7	1	33(4	CARDINAL
fsr-4082	7	2	48	CARDINAL
fsr-4082	9	1	lusardi	PERSON
fsr-4082	9	2	streeter	GPE
fsr-4082	9	3	2023	CARDINAL
fsr-4082	9	4	u.s.	GPE
fsr-4082	12	1	one	CARDINAL
fsr-4082	12	2	1	CARDINAL
fsr-4082	13	1	florida golf coast university	ORG
fsr-4082	13	2	fort meyers	GPE
fsr-4082	13	3	florida	GPE
fsr-4082	13	4	2	CARDINAL
fsr-4082	14	1	huston	PERSON
fsr-4082	14	2	2010	DATE
fsr-4082	14	3	one	CARDINAL
fsr-4082	16	1	the u.s. department of health and human services	ORG
fsr-4082	16	2	hhs	ORG
fsr-4082	16	3	2024	DATE
fsr-4082	16	4	more than 10,000	CARDINAL
fsr-4082	16	5	65	CARDINAL
fsr-4082	16	6	the united states	GPE
fsr-4082	17	1	fichtner	PERSON
fsr-4082	17	2	2024	CARDINAL
fsr-4082	17	3	more than 11,200	CARDINAL
fsr-4082	17	4	65	CARDINAL
fsr-4082	17	5	americans	NORP
fsr-4082	17	6	65	CARDINAL
fsr-4082	19	1	55-64	DATE
fsr-4082	19	2	204,000	MONEY
fsr-4082	19	3	2022	CARDINAL
fsr-4082	19	4	fraser	PERSON
fsr-4082	19	5	49	CARDINAL
fsr-4082	21	1	one	CARDINAL
fsr-4082	22	1	2022	CARDINAL
fsr-4082	22	2	37	CARDINAL
fsr-4082	22	3	guam	GPE
fsr-4082	22	4	puerto rico	GPE
fsr-4082	22	5	2022	CARDINAL
fsr-4082	26	1	one	CARDINAL
fsr-4082	28	1	the cfp board	ORG
fsr-4082	29	1	the cfp board’s	ORG
fsr-4082	31	1	section 2	LAW
fsr-4082	31	2	section 3	LAW
fsr-4082	31	3	section 4	LAW
fsr-4082	31	4	section 5	LAW
fsr-4082	31	5	section 6	LAW
fsr-4082	32	1	one	CARDINAL
fsr-4082	33	1	3	CARDINAL
fsr-4082	33	2	one	CARDINAL
fsr-4082	35	1	the cfp board’s	ORG
fsr-4082	38	1	the cfp board’s	ORG
fsr-4082	40	1	85%	PERCENT
fsr-4082	41	1	the remaining	PERCENT
fsr-4082	41	2	15%	PERCENT
fsr-4082	43	1	the first day of each semester	DATE
fsr-4082	47	1	six	CARDINAL
fsr-4082	47	2	seven	CARDINAL
fsr-4082	48	1	33(4	CARDINAL
fsr-4082	48	2	50	CARDINAL
fsr-4082	48	3	2013	DATE
fsr-4082	48	4	two	CARDINAL
fsr-4082	49	1	first	ORDINAL
fsr-4082	50	1	second	ORDINAL
fsr-4082	53	1	hawtrey	PERSON
fsr-4082	53	2	2007	DATE
fsr-4082	54	1	1999	DATE
fsr-4082	56	1	two	CARDINAL
fsr-4082	57	1	first	ORDINAL
fsr-4082	58	1	chowdhry	PERSON
fsr-4082	58	2	2019	DATE
fsr-4082	61	1	2013	DATE
fsr-4082	64	1	first	ORDINAL
fsr-4082	64	2	today	DATE
fsr-4082	76	1	2019	DATE
fsr-4082	77	1	second	ORDINAL
fsr-4082	79	1	itin	PERSON
fsr-4082	79	2	1999	DATE
fsr-4082	84	1	killian et al	PERSON
fsr-4082	85	1	2012	DATE
fsr-4082	89	1	cornell et al	PERSON
fsr-4082	90	1	2013	DATE
fsr-4082	91	1	fraser 51	PERSON
fsr-4082	94	1	2013	DATE
fsr-4082	107	1	appendix 1	LAW
fsr-4082	108	1	ackert	PERSON
fsr-4082	108	2	2015	CARDINAL
fsr-4082	110	1	annual	DATE
fsr-4082	112	1	one	CARDINAL
fsr-4082	112	2	daily	DATE
fsr-4082	113	1	appendix 1	LAW
fsr-4082	117	1	two	CARDINAL
fsr-4082	117	2	one	CARDINAL
fsr-4082	123	1	appendix 1	LAW
fsr-4082	124	1	33(4	CARDINAL
fsr-4082	124	2	52	CARDINAL
fsr-4082	124	3	irs	ORG
fsr-4082	136	1	appendix 1	LAW
fsr-4082	140	1	two	CARDINAL
fsr-4082	141	1	the gulf coast	LOC
fsr-4082	141	2	two	CARDINAL
fsr-4082	141	3	recent years	DATE
fsr-4082	143	1	first	ORDINAL
fsr-4082	145	1	appendix 2	LAW
fsr-4082	146	1	the cfp board	ORG
fsr-4082	147	1	two	CARDINAL
fsr-4082	152	1	appendix 2	LAW
fsr-4082	153	1	killian et al	PERSON
fsr-4082	154	1	2012	DATE
fsr-4082	155	1	five	CARDINAL
fsr-4082	155	2	53	CARDINAL
fsr-4082	156	1	93%	PERCENT
fsr-4082	157	1	1	CARDINAL
fsr-4082	158	1	1	CARDINAL
fsr-4082	165	1	0%	PERCENT
fsr-4082	165	2	2%	PERCENT
fsr-4082	165	3	11%	PERCENT
fsr-4082	165	4	39%	PERCENT
fsr-4082	165	5	48%	PERCENT
fsr-4082	165	6	88%	PERCENT
fsr-4082	165	7	2%	PERCENT
fsr-4082	165	8	4%	PERCENT
fsr-4082	165	9	11%	PERCENT
fsr-4082	165	10	37%	PERCENT
fsr-4082	165	11	47%	PERCENT
fsr-4082	165	12	84%	PERCENT
fsr-4082	165	13	2%	PERCENT
fsr-4082	165	14	0%	PERCENT
fsr-4082	165	15	5%	PERCENT
fsr-4082	165	16	35%	PERCENT
fsr-4082	165	17	58%	PERCENT
fsr-4082	165	18	93%	PERCENT
fsr-4082	165	19	2%	PERCENT
fsr-4082	165	20	4%	PERCENT
fsr-4082	165	21	28%	PERCENT
fsr-4082	165	22	35%	PERCENT
fsr-4082	165	23	32%	PERCENT
fsr-4082	165	24	67%	PERCENT
fsr-4082	165	25	2%	PERCENT
fsr-4082	165	26	0%	PERCENT
fsr-4082	165	27	12%	PERCENT
fsr-4082	165	28	28%	PERCENT
fsr-4082	165	29	56%	PERCENT
fsr-4082	165	30	84%	PERCENT
fsr-4082	165	31	irs	ORG
fsr-4082	165	32	2%	PERCENT
fsr-4082	165	33	7%	PERCENT
fsr-4082	165	34	18%	PERCENT
fsr-4082	165	35	26%	PERCENT
fsr-4082	165	36	47%	PERCENT
fsr-4082	165	37	74%	PERCENT
fsr-4082	166	1	2	CARDINAL
fsr-4082	167	1	2nd	ORDINAL
fsr-4082	170	1	4	CARDINAL
fsr-4082	173	1	irs	ORG
fsr-4082	173	2	2007	DATE
fsr-4082	177	1	a spring semester	DATE
fsr-4082	178	1	33(4	CARDINAL
fsr-4082	178	2	54	DATE
fsr-4082	179	1	more than 25%	PERCENT
fsr-4082	181	1	2	CARDINAL
fsr-4082	181	2	nearly half	CARDINAL
fsr-4082	182	1	first	ORDINAL
fsr-4082	185	1	appendix 3	PERSON
fsr-4082	186	1	2	CARDINAL
fsr-4082	189	1	2nd	ORDINAL
fsr-4082	189	2	2nd	ORDINAL
fsr-4082	189	3	14%	PERCENT
fsr-4082	189	4	11%	PERCENT
fsr-4082	189	5	25%	PERCENT
fsr-4082	189	6	13%	PERCENT
fsr-4082	189	7	25%	PERCENT
fsr-4082	189	8	11%	PERCENT
fsr-4082	189	9	29%	PERCENT
fsr-4082	189	10	14%	PERCENT
fsr-4082	189	11	18%	PERCENT
fsr-4082	189	12	46%	PERCENT
fsr-4082	189	13	13%	PERCENT
fsr-4082	189	14	9%	PERCENT
fsr-4082	189	15	25%	PERCENT
fsr-4082	189	16	23%	PERCENT
fsr-4082	189	17	14%	PERCENT
fsr-4082	189	18	27%	PERCENT
fsr-4082	189	19	23%	PERCENT
fsr-4082	189	20	4%	PERCENT
fsr-4082	189	21	11%	PERCENT
fsr-4082	189	22	2%	PERCENT
fsr-4082	189	23	13%	PERCENT
fsr-4082	189	24	18%	PERCENT
fsr-4082	189	25	18%	PERCENT
fsr-4082	189	26	14%	PERCENT
fsr-4082	189	27	9%	PERCENT
fsr-4082	189	28	irs	ORG
fsr-4082	189	29	23%	PERCENT
fsr-4082	189	30	11%	PERCENT
fsr-4082	189	31	14%	PERCENT
fsr-4082	189	32	21%	PERCENT
fsr-4082	189	33	4%	PERCENT
fsr-4082	189	34	100%	PERCENT
fsr-4082	189	35	100%	PERCENT
fsr-4082	189	36	100%	PERCENT
fsr-4082	189	37	100%	PERCENT
fsr-4082	189	38	100%	PERCENT
fsr-4082	189	39	one	CARDINAL
fsr-4082	194	1	fraser 55	ORG
fsr-4082	198	1	l. f., & church	PERSON
fsr-4082	198	2	b. k.	PERSON
fsr-4082	198	3	2015	DATE
fsr-4082	200	1	5(1	CARDINAL
fsr-4082	200	2	1–26	DATE
fsr-4082	202	1	2023	CARDINAL
fsr-4082	203	1	401(k)/ira	CARDINAL
fsr-4082	203	2	2022	CARDINAL
fsr-4082	204	1	n., & dholakia	ORG
fsr-4082	204	2	2019	DATE
fsr-4082	206	1	3(1	CARDINAL
fsr-4082	206	2	cornell	GPE
fsr-4082	206	3	r. m.	PERSON
fsr-4082	206	4	johnson	PERSON
fsr-4082	206	5	c. b.	PERSON
fsr-4082	206	6	& schwartz	ORG
fsr-4082	206	7	w. c., jr.	PERSON
fsr-4082	206	8	2013	DATE
fsr-4082	208	1	88	CARDINAL
fsr-4082	208	2	136–146	CARDINAL
fsr-4082	209	1	659562	CARDINAL
fsr-4082	209	2	t. h.	ORG
fsr-4082	209	3	1999	DATE
fsr-4082	211	1	8(4	CARDINAL
fsr-4082	211	2	293–303	CARDINAL
fsr-4082	212	1	fichtner	ORG
fsr-4082	212	2	j. j.	PERSON
fsr-4082	212	3	2024	CARDINAL
fsr-4082	213	1	65	CARDINAL
fsr-4082	213	2	america	GPE
fsr-4082	213	3	#026-2024	MONEY
fsr-4082	214	1	fink	ORG
fsr-4082	214	2	l. d.	PERSON
fsr-4082	214	3	2013	DATE
fsr-4082	215	1	2nd	ORDINAL
fsr-4082	216	1	jossey-bass	PERSON
fsr-4082	217	1	hawtrey	ORG
fsr-4082	217	2	k.	PERSON
fsr-4082	217	3	2007	DATE
fsr-4082	219	1	143–152	CARDINAL
fsr-4082	220	1	huston	PERSON
fsr-4082	220	2	s. j.	PERSON
fsr-4082	220	3	2010	DATE
fsr-4082	222	1	296–316	CARDINAL
fsr-4082	222	2	itin	PERSON
fsr-4082	222	3	c. m.	PERSON
fsr-4082	222	4	1999	DATE
fsr-4082	223	1	the 21st century	DATE
fsr-4082	224	1	22(2	CARDINAL
fsr-4082	225	1	killian	PERSON
fsr-4082	225	2	l. j.	PERSON
fsr-4082	225	3	m. m.	PERSON
fsr-4082	225	4	c. d.	PERSON
fsr-4082	225	5	2012	DATE
fsr-4082	226	1	first	ORDINAL
fsr-4082	227	1	27(1	CARDINAL
fsr-4082	227	2	337–360	CARDINAL
fsr-4082	228	1	lusardi, a., & streeter	ORG
fsr-4082	228	2	j. l.	PERSON
fsr-4082	228	3	2023	CARDINAL
fsr-4082	229	1	us	GPE
fsr-4082	230	1	the journal of financial literacy	ORG
fsr-4082	230	2	1	CARDINAL
fsr-4082	230	3	169–198	CARDINAL
fsr-4082	231	1	2022	CARDINAL
fsr-4082	232	1	2022	CARDINAL
fsr-4082	233	1	u.s.	GPE
fsr-4082	234	1	2024	CARDINAL
fsr-4082	236	1	https://www.hhs.gov/aging/index.html https://crr.bc.edu/401k-ira-holdings-in-2022-an-update-from-the-scf/ https://crr.bc.edu/401k-ira-holdings-in-2022-an-update-from-the-scf/ https://crr.bc.edu/401k-ira-holdings-in-2022-an-update-from-the-scf/	PERSON
fsr-4082	237	1	https://www.ncsl.org/research/financial-services-and-commerce/financial-literacy-2022-legislation.aspx	ORG
fsr-4082	237	2	https://www.ncsl.org/research/financial-services-and-commerce/financial-literacy-2022-legislation.aspx	ORG
fsr-4082	237	3	https://www.ncsl.org/research/financial-services-and-commerce/financial-literacy-2022-legislation.aspx	ORG
fsr-4082	237	4	33(4	CARDINAL
fsr-4082	237	5	56	CARDINAL
fsr-4082	237	6	1	CARDINAL
fsr-4082	243	1	1.	CARDINAL
fsr-4082	244	1	2	CARDINAL
fsr-4082	246	1	3	CARDINAL
fsr-4082	247	1	4.	CARDINAL
fsr-4082	249	1	fraser 57 cash & debt management planning credit card	ORG
fsr-4082	253	1	1	CARDINAL
fsr-4082	257	1	2	CARDINAL
fsr-4082	258	1	network & bank	ORG
fsr-4082	258	2	3	CARDINAL
fsr-4082	259	1	annual	DATE
fsr-4082	260	1	4.	CARDINAL
fsr-4082	263	1	5	CARDINAL
fsr-4082	265	1	6	CARDINAL
fsr-4082	268	1	8	CARDINAL
fsr-4082	269	1	daily	DATE
fsr-4082	270	1	9	CARDINAL
fsr-4082	277	1	grable	PERSON
fsr-4082	277	2	j. e.	PERSON
fsr-4082	277	3	r. h.	PERSON
fsr-4082	277	4	1999	DATE
fsr-4082	279	1	8	CARDINAL
fsr-4082	279	2	163	CARDINAL
fsr-4082	282	1	1	CARDINAL
fsr-4082	283	1	2	CARDINAL
fsr-4082	286	1	33(4	CARDINAL
fsr-4082	286	2	58	CARDINAL
fsr-4082	286	3	irs	ORG
fsr-4082	287	1	2022	CARDINAL
fsr-4082	289	1	1.	CARDINAL
fsr-4082	289	2	33	DATE
fsr-4082	289	3	24	CARDINAL
fsr-4082	289	4	2022	CARDINAL
fsr-4082	293	1	2	CARDINAL
fsr-4082	293	2	2022	CARDINAL
fsr-4082	293	3	3	CARDINAL
fsr-4082	293	4	2022	CARDINAL
fsr-4082	294	1	2a	CARDINAL
fsr-4082	294	2	5a	CARDINAL
fsr-4082	294	3	1 4	DATE
fsr-4082	294	4	2022	CARDINAL
fsr-4082	295	1	a.	PERSON
fsr-4082	295	2	5	CARDINAL
fsr-4082	295	3	2022	CARDINAL
fsr-4082	296	1	a. true b.	PERSON
fsr-4082	296	2	6	CARDINAL
fsr-4082	296	3	2022	CARDINAL
fsr-4082	296	4	12	CARDINAL
fsr-4082	303	1	a.	PERSON
fsr-4082	303	2	less than $25,900	MONEY
fsr-4082	303	3	12,950	MONEY
fsr-4082	303	4	less than $12,950	MONEY
fsr-4082	303	5	25,900	MONEY
fsr-4082	304	1	2022	CARDINAL
fsr-4082	309	1	a.	PERSON
fsr-4082	309	2	8	CARDINAL
fsr-4082	309	3	2022	CARDINAL
fsr-4082	309	4	7	CARDINAL
fsr-4082	319	1	9	CARDINAL
fsr-4082	320	1	2022	CARDINAL
fsr-4082	322	1	400	MONEY
fsr-4082	322	2	12,550	MONEY
fsr-4082	322	3	3,000	MONEY
fsr-4082	322	4	12,550	MONEY
fsr-4082	322	5	400	MONEY
fsr-4082	322	6	$147,000 d. $3,000	MONEY
fsr-4082	322	7	147,000	MONEY
fsr-4082	323	1	2022	CARDINAL
fsr-4082	331	1	8a	CARDINAL
fsr-4082	331	2	8a	CARDINAL
fsr-4082	331	3	8c	CARDINAL
fsr-4082	331	4	d.	NORP
fsr-4082	331	5	8c	CARDINAL
fsr-4082	331	6	59	CARDINAL
fsr-4082	331	7	2	CARDINAL
fsr-4082	332	1	two	CARDINAL
fsr-4082	335	1	1	CARDINAL
fsr-4082	336	1	2	CARDINAL
fsr-4082	337	1	3	CARDINAL
fsr-4082	338	1	4.	CARDINAL
fsr-4082	339	1	5	CARDINAL
fsr-4082	339	2	the past year	DATE
fsr-4082	343	1	two	CARDINAL
fsr-4082	345	1	two	CARDINAL
fsr-4082	346	1	1	CARDINAL
fsr-4082	348	1	2	CARDINAL
fsr-4082	352	1	3	CARDINAL
fsr-4082	355	1	4	CARDINAL
fsr-4082	357	1	5	CARDINAL
fsr-4082	359	1	33(4	CARDINAL
fsr-4082	359	2	60	CARDINAL
fsr-4082	364	1	irs	ORG
fsr-4082	365	1	fraser 61	PERSON
fsr-4082	372	1	irs	ORG
fsr-4082	373	1	irs	ORG