id	sid	eid	entity	type
fsr-4128	1	1	134	CARDINAL
fsr-4128	1	2	kirsten l. macdonald,1	PERSON
fsr-4128	1	3	karen l	PERSON
fsr-4128	2	1	wildman,2 ellana loy	PERSON
fsr-4128	2	2	3	CARDINAL
fsr-4128	2	3	mark brimble4	PERSON
fsr-4128	6	1	4.0	CARDINAL
fsr-4128	6	2	macdonald	PERSON
fsr-4128	6	3	k. l.	PERSON
fsr-4128	6	4	wildman	PERSON
fsr-4128	6	5	k. l.	PERSON
fsr-4128	6	6	loy	PERSON
fsr-4128	6	7	m.	PERSON
fsr-4128	6	8	2025	DATE
fsr-4128	8	1	33(4	CARDINAL
fsr-4128	8	2	134163	DATE
fsr-4128	11	1	macdonald et al.	PERSON
fsr-4128	11	2	2023	CARDINAL
fsr-4128	11	3	oecd	ORG
fsr-4128	11	4	2020	DATE
fsr-4128	12	1	1	CARDINAL
fsr-4128	12	2	griffith university	ORG
fsr-4128	12	3	brisbane	GPE
fsr-4128	12	4	queensland	GPE
fsr-4128	12	5	australia	GPE
fsr-4128	12	6	2	CARDINAL
fsr-4128	12	7	griffith university	ORG
fsr-4128	12	8	brisbane	GPE
fsr-4128	12	9	queensland	GPE
fsr-4128	12	10	australia	GPE
fsr-4128	12	11	3 e.loy@griffith.edu.au	CARDINAL
fsr-4128	12	12	griffith university	ORG
fsr-4128	12	13	brisbane	GPE
fsr-4128	12	14	queensland	GPE
fsr-4128	12	15	australia	GPE
fsr-4128	13	1	4	CARDINAL
fsr-4128	13	2	griffith university	ORG
fsr-4128	13	3	brisbane	GPE
fsr-4128	13	4	queensland	GPE
fsr-4128	13	5	australia	GPE
fsr-4128	16	1	only one	CARDINAL
fsr-4128	16	2	10	CARDINAL
fsr-4128	16	3	australians	NORP
fsr-4128	16	4	2021	CARDINAL
fsr-4128	16	5	1%	PERCENT
fsr-4128	16	6	2019	DATE
fsr-4128	16	7	2022	CARDINAL
fsr-4128	16	8	australian securities & investments commission	ORG
fsr-4128	17	1	2019	DATE
fsr-4128	18	1	one	CARDINAL
fsr-4128	18	2	four	CARDINAL
fsr-4128	18	3	americans	NORP
fsr-4128	18	4	australia	GPE
fsr-4128	18	5	cfp board	ORG
fsr-4128	18	6	2023	CARDINAL
fsr-4128	19	1	2019	CARDINAL
fsr-4128	19	2	2021	CARDINAL
fsr-4128	19	3	australia	GPE
fsr-4128	19	4	macdonald et al	PERSON
fsr-4128	19	5	135	CARDINAL
fsr-4128	19	6	85% to 75%	PERCENT
fsr-4128	19	7	one	CARDINAL
fsr-4128	19	8	15% to 24%	PERCENT
fsr-4128	19	9	up to 5%	PERCENT
fsr-4128	19	10	2022	CARDINAL
fsr-4128	20	1	41%	PERCENT
fsr-4128	20	2	australia	GPE
fsr-4128	20	3	25%	PERCENT
fsr-4128	20	4	2019	DATE
fsr-4128	20	5	cfp board	ORG
fsr-4128	20	6	2023	CARDINAL
fsr-4128	21	1	2019	DATE
fsr-4128	21	2	al.	GPE
fsr-4128	21	3	2020	DATE
fsr-4128	23	1	2019	DATE
fsr-4128	24	1	40%	PERCENT
fsr-4128	24	2	australia	GPE
fsr-4128	24	3	2019-2021	CARDINAL
fsr-4128	24	4	12%-25%	PERCENT
fsr-4128	24	5	us	GPE
fsr-4128	24	6	2019	DATE
fsr-4128	24	7	tharp	ORG
fsr-4128	24	8	2021	DATE
fsr-4128	24	9	2022	CARDINAL
fsr-4128	24	10	2019	DATE
fsr-4128	29	1	18%	PERCENT
fsr-4128	29	2	australians	NORP
fsr-4128	29	3	2019	DATE
fsr-4128	30	1	macdonald et al.	PERSON
fsr-4128	30	2	2023	CARDINAL
fsr-4128	32	1	two	CARDINAL
fsr-4128	32	2	macdonald et al	PERSON
fsr-4128	33	1	2023	CARDINAL
fsr-4128	34	1	2020	DATE
fsr-4128	38	1	1	CARDINAL
fsr-4128	39	1	2	CARDINAL
fsr-4128	40	1	3	CARDINAL
fsr-4128	46	1	33(4	CARDINAL
fsr-4128	46	2	136	CARDINAL
fsr-4128	48	1	four	CARDINAL
fsr-4128	51	1	2017	DATE
fsr-4128	52	1	phd theses	ORG
fsr-4128	52	2	three	CARDINAL
fsr-4128	52	3	scopus	ORG
fsr-4128	53	1	1	CARDINAL
fsr-4128	53	2	2	CARDINAL
fsr-4128	53	3	3	CARDINAL
fsr-4128	55	1	english	LANGUAGE
fsr-4128	55	2	february 2023	DATE
fsr-4128	56	1	five	CARDINAL
fsr-4128	59	1	332	CARDINAL
fsr-4128	59	2	rq1	ORG
fsr-4128	62	1	mirriamwebster inc.	ORG
fsr-4128	62	2	n.d.	GPE
fsr-4128	63	1	holbrook	GPE
fsr-4128	63	2	2002	DATE
fsr-4128	63	3	5	CARDINAL
fsr-4128	64	1	holbrook	GPE
fsr-4128	64	2	2002	DATE
fsr-4128	65	1	2007	DATE
fsr-4128	68	1	2019	DATE
fsr-4128	71	1	macdonald et al	PERSON
fsr-4128	71	2	137	CARDINAL
fsr-4128	71	3	srinivas, 2000	DATE
fsr-4128	72	1	alford & sherrell	ORG
fsr-4128	72	2	1996	DATE
fsr-4128	72	3	1993	DATE
fsr-4128	72	4	srinivas, 2000	ORG
fsr-4128	78	1	loy et al.	PERSON
fsr-4128	78	2	2021	CARDINAL
fsr-4128	78	3	macdonald et al.	PERSON
fsr-4128	78	4	2023	CARDINAL
fsr-4128	79	1	marsden et al.	PERSON
fsr-4128	79	2	2011	DATE
fsr-4128	84	1	four	CARDINAL
fsr-4128	84	2	1	CARDINAL
fsr-4128	85	1	1	CARDINAL
fsr-4128	86	1	33(4	CARDINAL
fsr-4128	86	2	138	CARDINAL
fsr-4128	86	3	1	CARDINAL
fsr-4128	87	1	1	CARDINAL
fsr-4128	90	1	brüggen et al.	ORG
fsr-4128	90	2	2017	CARDINAL
fsr-4128	90	3	kempson et al.	ORG
fsr-4128	90	4	2017	CARDINAL
fsr-4128	90	5	nguyen	ORG
fsr-4128	90	6	2022	CARDINAL
fsr-4128	90	7	2015	DATE
fsr-4128	90	8	18	CARDINAL
fsr-4128	92	1	joo	ORG
fsr-4128	92	2	2018	DATE
fsr-4128	92	3	2020	DATE
fsr-4128	92	4	2015	DATE
fsr-4128	93	1	2022	CARDINAL
fsr-4128	94	1	kempson et al.	PERSON
fsr-4128	94	2	2017	DATE
fsr-4128	94	3	fu	ORG
fsr-4128	94	4	2020	DATE
fsr-4128	94	5	muir	GPE
fsr-4128	94	6	al.	GPE
fsr-4128	94	7	2017	DATE
fsr-4128	96	1	2022	CARDINAL
fsr-4128	96	2	134	CARDINAL
fsr-4128	97	1	kim et al	PERSON
fsr-4128	98	1	2003	DATE
fsr-4128	98	2	four	CARDINAL
fsr-4128	98	3	1990	DATE
fsr-4128	98	4	1998	DATE
fsr-4128	99	1	five	CARDINAL
fsr-4128	99	2	kim et al.	PERSON
fsr-4128	99	3	2003	DATE
fsr-4128	100	1	2017	CARDINAL
fsr-4128	100	2	2020	DATE
fsr-4128	102	1	2017	CARDINAL
fsr-4128	102	2	2020	DATE
fsr-4128	103	1	macdonald et al	PERSON
fsr-4128	103	2	139	CARDINAL
fsr-4128	111	1	us	GPE
fsr-4128	111	2	germany	GPE
fsr-4128	113	1	bluethgen	PERSON
fsr-4128	113	2	gintschel	PERSON
fsr-4128	113	3	2008	DATE
fsr-4128	113	4	hackethal et al.	PERSON
fsr-4128	113	5	2012	DATE
fsr-4128	113	6	kramer	PERSON
fsr-4128	113	7	2012	DATE
fsr-4128	113	8	marsden et al.	PERSON
fsr-4128	113	9	2011	DATE
fsr-4128	113	10	hackethal et al.	PERSON
fsr-4128	113	11	2012	DATE
fsr-4128	113	12	kramer	PERSON
fsr-4128	113	13	2012	DATE
fsr-4128	113	14	2021	CARDINAL
fsr-4128	114	1	reuter	PERSON
fsr-4128	114	2	2012	DATE
fsr-4128	114	3	one	CARDINAL
fsr-4128	115	1	bluethgen	PERSON
fsr-4128	115	2	gintschel	PERSON
fsr-4128	115	3	2008	DATE
fsr-4128	115	4	gerhardt & hackethal	ORG
fsr-4128	115	5	2009	DATE
fsr-4128	115	6	kramer	PERSON
fsr-4128	115	7	2012	DATE
fsr-4128	115	8	marsden et al.	PERSON
fsr-4128	115	9	2011	DATE
fsr-4128	117	1	grable & chatterjee	ORG
fsr-4128	117	2	2014	DATE
fsr-4128	117	3	gerhardt & hackethal	ORG
fsr-4128	117	4	2009	DATE
fsr-4128	117	5	kramer	PERSON
fsr-4128	117	6	2012	DATE
fsr-4128	117	7	marsden et al.	PERSON
fsr-4128	117	8	2011	DATE
fsr-4128	118	1	marsden et al	PERSON
fsr-4128	118	2	2011	DATE
fsr-4128	119	1	2012	DATE
fsr-4128	120	1	2021	CARDINAL
fsr-4128	121	1	marsden et al	PERSON
fsr-4128	121	2	2011	DATE
fsr-4128	121	3	covid-19	PERSON
fsr-4128	121	4	loy et al.	PERSON
fsr-4128	121	5	2021	CARDINAL
fsr-4128	122	1	first	ORDINAL
fsr-4128	125	1	marsden et al.	PERSON
fsr-4128	125	2	2011	DATE
fsr-4128	125	3	prawitz et al.	PERSON
fsr-4128	125	4	2006	DATE
fsr-4128	126	1	the last decade	DATE
fsr-4128	127	1	us	GPE
fsr-4128	127	2	uk	GPE
fsr-4128	127	3	australia	GPE
fsr-4128	128	1	33(4	CARDINAL
fsr-4128	128	2	140	CARDINAL
fsr-4128	128	3	2015	DATE
fsr-4128	128	4	2020	DATE
fsr-4128	128	5	kim et al.	PERSON
fsr-4128	128	6	2003	DATE
fsr-4128	128	7	irving et al.	PERSON
fsr-4128	128	8	2011	DATE
fsr-4128	128	9	2007	DATE
fsr-4128	128	10	kim et al.	PERSON
fsr-4128	128	11	2003	DATE
fsr-4128	128	12	marsden et al.	PERSON
fsr-4128	128	13	2011	DATE
fsr-4128	129	1	brackertz	GPE
fsr-4128	129	2	2014	DATE
fsr-4128	129	3	grable & joo	ORG
fsr-4128	129	4	2003	DATE
fsr-4128	129	5	britt et al.	PERSON
fsr-4128	129	6	2015	DATE
fsr-4128	129	7	2016	DATE
fsr-4128	131	1	lee & cho	ORG
fsr-4128	131	2	2005	DATE
fsr-4128	131	3	marsden et al.	PERSON
fsr-4128	131	4	2011	DATE
fsr-4128	131	5	ford	ORG
fsr-4128	131	6	al.	PERSON
fsr-4128	131	7	2020	DATE
fsr-4128	132	1	2019	DATE
fsr-4128	132	2	2018	DATE
fsr-4128	133	1	marsden et al	PERSON
fsr-4128	133	2	2011	DATE
fsr-4128	134	1	grable	PERSON
fsr-4128	134	2	chatterjee	GPE
fsr-4128	134	3	2014	DATE
fsr-4128	135	1	winchester et al	PERSON
fsr-4128	136	1	2011	DATE
fsr-4128	136	2	more than one	CARDINAL
fsr-4128	138	1	gerhardt & hackethal	ORG
fsr-4128	138	2	2009	DATE
fsr-4128	138	3	bagwell	ORG
fsr-4128	138	4	2000	DATE
fsr-4128	138	5	brackertz	GPE
fsr-4128	138	6	2014	DATE
fsr-4128	138	7	theodos et al.	ORG
fsr-4128	138	8	2015	DATE
fsr-4128	138	9	kim & garman	ORG
fsr-4128	138	10	2003	DATE
fsr-4128	139	1	marsden et al.	PERSON
fsr-4128	139	2	2011	DATE
fsr-4128	139	3	tang & lachance	ORG
fsr-4128	139	4	2012	DATE
fsr-4128	140	1	al.	PERSON
fsr-4128	140	2	2007	DATE
fsr-4128	140	3	woodhead et al.	PERSON
fsr-4128	140	4	2017	DATE
fsr-4128	140	5	2016	DATE
fsr-4128	140	6	fan & chatterjee	ORG
fsr-4128	140	7	2017	DATE
fsr-4128	140	8	bagwell	ORG
fsr-4128	140	9	2000	DATE
fsr-4128	140	10	brackertz	GPE
fsr-4128	140	11	2014	DATE
fsr-4128	140	12	martin jr et al.	PERSON
fsr-4128	140	13	2016	DATE
fsr-4128	143	1	britt et al.	PERSON
fsr-4128	143	2	2015	DATE
fsr-4128	143	3	tang & lachance	ORG
fsr-4128	143	4	2012	DATE
fsr-4128	143	5	theodos et al	ORG
fsr-4128	143	6	2015	DATE
fsr-4128	144	1	theodos et al.	ORG
fsr-4128	144	2	2015	DATE
fsr-4128	145	1	2013	DATE
fsr-4128	145	2	theodos et al.	ORG
fsr-4128	145	3	2015	DATE
fsr-4128	145	4	migliavacca	GPE
fsr-4128	145	5	2020	DATE
fsr-4128	146	1	tang & lachance	ORG
fsr-4128	146	2	2012	DATE
fsr-4128	147	1	brackertz	GPE
fsr-4128	147	2	2014	DATE
fsr-4128	147	3	britt et al.	PERSON
fsr-4128	147	4	2015	DATE
fsr-4128	147	5	kim & garman	ORG
fsr-4128	147	6	2003	DATE
fsr-4128	147	7	theodos et al.	ORG
fsr-4128	147	8	2015	DATE
fsr-4128	149	1	2015	DATE
fsr-4128	149	2	151	CARDINAL
fsr-4128	150	1	hung & yoong	ORG
fsr-4128	150	2	2013	DATE
fsr-4128	150	3	linh et al.	PERSON
fsr-4128	150	4	2016	DATE
fsr-4128	150	5	migliavacca	GPE
fsr-4128	150	6	2020	DATE
fsr-4128	152	1	fu	PERSON
fsr-4128	152	2	2020	DATE
fsr-4128	152	3	macdonald et al	PERSON
fsr-4128	152	4	141	CARDINAL
fsr-4128	155	1	second	ORDINAL
fsr-4128	156	1	the world health organization	ORG
fsr-4128	156	2	2023	CARDINAL
fsr-4128	156	3	3	CARDINAL
fsr-4128	157	1	zemtsov & osipova	ORG
fsr-4128	157	2	2016	DATE
fsr-4128	158	1	2010	DATE
fsr-4128	159	1	three	CARDINAL
fsr-4128	159	2	2023	CARDINAL
fsr-4128	161	1	2000	DATE
fsr-4128	161	2	bagwell	ORG
fsr-4128	161	3	2000	DATE
fsr-4128	161	4	abbott & hobby	ORG
fsr-4128	161	5	2000	DATE
fsr-4128	162	1	the last decade	DATE
fsr-4128	162	2	2018	DATE
fsr-4128	164	1	uk	GPE
fsr-4128	164	2	2000-2010 decade	DATE
fsr-4128	165	1	2008	DATE
fsr-4128	165	2	2007	DATE
fsr-4128	165	3	turley & white	ORG
fsr-4128	165	4	2007	DATE
fsr-4128	167	1	one	CARDINAL
fsr-4128	168	1	first	ORDINAL
fsr-4128	168	2	2007	DATE
fsr-4128	175	1	uk	GPE
fsr-4128	175	2	three months	DATE
fsr-4128	175	3	woodhead et al.	PERSON
fsr-4128	175	4	2017	DATE
fsr-4128	176	1	33(4	CARDINAL
fsr-4128	176	2	142	CARDINAL
fsr-4128	178	1	abbott et al	PERSON
fsr-4128	178	2	2006	DATE
fsr-4128	178	3	12-month	DATE
fsr-4128	182	1	18 months	DATE
fsr-4128	182	2	kim et al.	PERSON
fsr-4128	182	3	2003	DATE
fsr-4128	183	1	two-year	DATE
fsr-4128	183	2	o'neill et al.	PERSON
fsr-4128	183	3	2006	DATE
fsr-4128	184	1	abbott et al	PERSON
fsr-4128	184	2	2006	DATE
fsr-4128	184	3	the six months	DATE
fsr-4128	184	4	three	CARDINAL
fsr-4128	185	1	6	CARDINAL
fsr-4128	187	1	2020	DATE
fsr-4128	187	2	irving et al.	PERSON
fsr-4128	187	3	2011	DATE
fsr-4128	187	4	2018	DATE
fsr-4128	188	1	europe economics	LOC
fsr-4128	188	2	2018	DATE
fsr-4128	190	1	£154-307 million	MONEY
fsr-4128	190	2	2018	DATE
fsr-4128	191	1	pollard et al.	PERSON
fsr-4128	191	2	2020	DATE
fsr-4128	191	3	2020	DATE
fsr-4128	193	1	ford	ORG
fsr-4128	193	2	al	ORG
fsr-4128	193	3	2020	DATE
fsr-4128	194	1	jackson et al	PERSON
fsr-4128	194	2	2022	CARDINAL
fsr-4128	195	1	six-month	DATE
fsr-4128	195	2	49%	PERCENT
fsr-4128	195	3	55%	PERCENT
fsr-4128	195	4	26%	PERCENT
fsr-4128	197	1	third	ORDINAL
fsr-4128	198	1	three	CARDINAL
fsr-4128	199	1	australian	NORP
fsr-4128	199	2	2022	CARDINAL
fsr-4128	199	3	1	CARDINAL
fsr-4128	200	1	macdonald et al	PERSON
fsr-4128	200	2	143	CARDINAL
fsr-4128	200	3	bluethgen, meyer	ORG
fsr-4128	200	4	2008	DATE
fsr-4128	200	5	3	CARDINAL
fsr-4128	200	6	meyer	ORG
fsr-4128	200	7	2008	DATE
fsr-4128	200	8	srinivas, 2000	ORG
fsr-4128	202	1	farr et al.	PERSON
fsr-4128	202	2	2018	DATE
fsr-4128	202	3	madamba & utkus	ORG
fsr-4128	202	4	2017	DATE
fsr-4128	203	1	grable	PERSON
fsr-4128	203	2	2003	DATE
fsr-4128	204	1	2019	DATE
fsr-4128	204	2	himawan	ORG
fsr-4128	204	3	2020	DATE
fsr-4128	205	1	lowcost	ORG
fsr-4128	205	2	2018	DATE
fsr-4128	207	1	manders	ORG
fsr-4128	207	2	2021	CARDINAL
fsr-4128	209	1	australia	GPE
fsr-4128	209	2	2019	DATE
fsr-4128	209	3	australian	NORP
fsr-4128	209	4	2022	CARDINAL
fsr-4128	211	1	australian	NORP
fsr-4128	213	1	2022	CARDINAL
fsr-4128	214	1	italy	GPE
fsr-4128	214	2	four	CARDINAL
fsr-4128	215	1	2022	CARDINAL
fsr-4128	217	1	2017	CARDINAL
fsr-4128	218	1	three	CARDINAL
fsr-4128	218	2	53%	PERCENT
fsr-4128	218	3	30%	PERCENT
fsr-4128	218	4	17%	PERCENT
fsr-4128	220	1	meyer	ORG
fsr-4128	220	2	2008	DATE
fsr-4128	222	1	loy et al	PERSON
fsr-4128	223	1	2023	CARDINAL
fsr-4128	223	2	33(4	CARDINAL
fsr-4128	223	3	144	CARDINAL
fsr-4128	226	1	loy et al	PERSON
fsr-4128	226	2	2023	CARDINAL
fsr-4128	229	1	2019	DATE
fsr-4128	229	2	loy et al.	PERSON
fsr-4128	229	3	2021	DATE
fsr-4128	229	4	2023	CARDINAL
fsr-4128	230	1	macdonald et al.	PERSON
fsr-4128	230	2	2023	CARDINAL
fsr-4128	232	1	2001	DATE
fsr-4128	236	1	marsden et al.	PERSON
fsr-4128	236	2	2011	DATE
fsr-4128	237	1	loy et al.	PERSON
fsr-4128	237	2	2023	CARDINAL
fsr-4128	237	3	2019	DATE
fsr-4128	238	1	loy et al	PERSON
fsr-4128	239	1	2023	CARDINAL
fsr-4128	241	1	2002	DATE
fsr-4128	241	2	loy et al.	PERSON
fsr-4128	241	3	2021	CARDINAL
fsr-4128	242	1	lee	PERSON
fsr-4128	242	2	2002	DATE
fsr-4128	245	1	macdonald et al	PERSON
fsr-4128	245	2	145	CARDINAL
fsr-4128	247	1	2	CARDINAL
fsr-4128	247	2	3	CARDINAL
fsr-4128	247	3	rq1	ORG
fsr-4128	251	1	33(4	CARDINAL
fsr-4128	251	2	146	CARDINAL
fsr-4128	251	3	2	CARDINAL
fsr-4128	252	1	2007	DATE
fsr-4128	252	2	six	CARDINAL
fsr-4128	253	1	2019	DATE
fsr-4128	255	1	blanchett	PERSON
fsr-4128	255	2	2019	DATE
fsr-4128	255	3	one	CARDINAL
fsr-4128	256	1	gintschel	PERSON
fsr-4128	257	1	2008	DATE
fsr-4128	258	1	hackethal et al	PERSON
fsr-4128	259	1	2012	DATE
fsr-4128	259	2	monthly	DATE
fsr-4128	259	3	1968	DATE
fsr-4128	259	4	jensen	PERSON
fsr-4128	259	5	four	CARDINAL
fsr-4128	260	1	marsden	PERSON
fsr-4128	260	2	zick	PERSON
fsr-4128	260	3	mayer	PERSON
fsr-4128	260	4	2011	DATE
fsr-4128	260	5	annual	DATE
fsr-4128	260	6	the past 1	DATE
fsr-4128	260	7	2	DATE
fsr-4128	260	8	3 years	DATE
fsr-4128	261	1	gintschel	PERSON
fsr-4128	261	2	2008	DATE
fsr-4128	262	1	hackethal et al	PERSON
fsr-4128	263	1	2012	DATE
fsr-4128	264	1	gintschel	PERSON
fsr-4128	265	1	2008	DATE
fsr-4128	265	2	monthly	DATE
fsr-4128	265	3	dietz	ORG
fsr-4128	265	4	1968	DATE
fsr-4128	266	1	hackethal et al	PERSON
fsr-4128	267	1	2012	DATE
fsr-4128	267	2	monthly	DATE
fsr-4128	268	1	marsden	PERSON
fsr-4128	268	2	zick	PERSON
fsr-4128	268	3	mayer	PERSON
fsr-4128	268	4	2011	DATE
fsr-4128	269	1	2	CARDINAL
fsr-4128	270	1	macdonald et al	PERSON
fsr-4128	271	1	147	CARDINAL
fsr-4128	271	2	2	CARDINAL
fsr-4128	272	1	gintschel	PERSON
fsr-4128	273	1	2008	DATE
fsr-4128	273	2	annual	DATE
fsr-4128	274	1	hackethal et al	PERSON
fsr-4128	275	1	2012	DATE
fsr-4128	275	2	monthly	DATE
fsr-4128	276	1	grable	PERSON
fsr-4128	276	2	chatterjee	GPE
fsr-4128	276	3	2014	DATE
fsr-4128	276	4	modigliani	PERSON
fsr-4128	277	1	marsden	PERSON
fsr-4128	277	2	zick	PERSON
fsr-4128	277	3	mayer	PERSON
fsr-4128	277	4	2011	DATE
fsr-4128	278	1	2013	DATE
fsr-4128	280	1	marsden	PERSON
fsr-4128	280	2	zick	PERSON
fsr-4128	280	3	mayer	PERSON
fsr-4128	280	4	2011	DATE
fsr-4128	280	5	years	DATE
fsr-4128	281	1	theodos	ORG
fsr-4128	281	2	2015	CARDINAL
fsr-4128	281	3	two	CARDINAL
fsr-4128	281	4	1	CARDINAL
fsr-4128	282	1	1	CARDINAL
fsr-4128	283	1	2	CARDINAL
fsr-4128	284	1	1-7	CARDINAL
fsr-4128	285	1	0100%	PERCENT
fsr-4128	286	1	0-100%	PERCENT
fsr-4128	287	1	0-100%	PERCENT
fsr-4128	289	1	marsden	PERSON
fsr-4128	289	2	zick	PERSON
fsr-4128	289	3	mayer	PERSON
fsr-4128	289	4	2011	DATE
fsr-4128	290	1	2	CARDINAL
fsr-4128	291	1	33(4	CARDINAL
fsr-4128	291	2	148	CARDINAL
fsr-4128	291	3	2	CARDINAL
fsr-4128	292	1	zick	PERSON
fsr-4128	292	2	mayer	PERSON
fsr-4128	292	3	2011	DATE
fsr-4128	294	1	2009	DATE
fsr-4128	294	2	2009	DATE
fsr-4128	294	3	2009	DATE
fsr-4128	294	4	2009	DATE
fsr-4128	294	5	2009	DATE
fsr-4128	294	6	2009	DATE
fsr-4128	295	1	britt et al	PERSON
fsr-4128	296	1	2015	CARDINAL
fsr-4128	296	2	1	CARDINAL
fsr-4128	296	3	each year	DATE
fsr-4128	296	4	20 years	DATE
fsr-4128	297	1	abbott et al	PERSON
fsr-4128	298	1	2006	DATE
fsr-4128	300	1	brackertz	GPE
fsr-4128	300	2	2014	DATE
fsr-4128	301	1	1-5	CARDINAL
fsr-4128	303	1	2008	DATE
fsr-4128	304	1	irving et al	PERSON
fsr-4128	305	1	2011	DATE
fsr-4128	306	1	woodhead et al	PERSON
fsr-4128	307	1	2017	CARDINAL
fsr-4128	308	1	warwick-edinburgh	ORG
fsr-4128	309	1	2	CARDINAL
fsr-4128	310	1	macdonald et al	PERSON
fsr-4128	310	2	149	CARDINAL
fsr-4128	310	3	2	CARDINAL
fsr-4128	312	1	2006	DATE
fsr-4128	314	1	brackertz	GPE
fsr-4128	314	2	2014	DATE
fsr-4128	314	3	1-5	CARDINAL
fsr-4128	316	1	2008	DATE
fsr-4128	317	1	irving et al	PERSON
fsr-4128	318	1	2011	DATE
fsr-4128	319	1	kim et al	PERSON
fsr-4128	320	1	2003	DATE
fsr-4128	320	2	4	CARDINAL
fsr-4128	320	3	four	CARDINAL
fsr-4128	322	1	2006	DATE
fsr-4128	323	1	brackertz	GPE
fsr-4128	323	2	2014	DATE
fsr-4128	325	1	1-5	CARDINAL
fsr-4128	327	1	2008	DATE
fsr-4128	328	1	irving et al	PERSON
fsr-4128	329	1	2011	DATE
fsr-4128	330	1	loy et al	PERSON
fsr-4128	330	2	2021	CARDINAL
fsr-4128	332	1	covid-19	PERSON
fsr-4128	333	1	2	CARDINAL
fsr-4128	334	1	33(4	CARDINAL
fsr-4128	334	2	150	CARDINAL
fsr-4128	334	3	2	CARDINAL
fsr-4128	336	1	2022	CARDINAL
fsr-4128	337	1	11	CARDINAL
fsr-4128	337	2	9	CARDINAL
fsr-4128	337	3	17	CARDINAL
fsr-4128	337	4	10	CARDINAL
fsr-4128	337	5	10	CARDINAL
fsr-4128	337	6	10	CARDINAL
fsr-4128	337	7	9	CARDINAL
fsr-4128	339	1	irving et al	PERSON
fsr-4128	340	1	2011	DATE
fsr-4128	340	2	12	CARDINAL
fsr-4128	341	1	loy et al	PERSON
fsr-4128	341	2	2021	CARDINAL
fsr-4128	343	1	covid-19	PERSON
fsr-4128	344	1	montmarquette & viennot-briot	ORG
fsr-4128	344	2	2015	CARDINAL
fsr-4128	344	3	at least 4 years	DATE
fsr-4128	345	1	irving et al	PERSON
fsr-4128	346	1	2011	DATE
fsr-4128	346	2	13	CARDINAL
fsr-4128	347	1	loy et al	PERSON
fsr-4128	348	1	2021	CARDINAL
fsr-4128	348	2	covid-19	PERSON
fsr-4128	349	1	covid-19	PERSON
fsr-4128	350	1	loy et al	PERSON
fsr-4128	351	1	2023	CARDINAL
fsr-4128	351	2	8	CARDINAL
fsr-4128	351	3	0-10	CARDINAL
fsr-4128	352	1	macdonald et al	PERSON
fsr-4128	353	1	151	CARDINAL
fsr-4128	353	2	3	CARDINAL
fsr-4128	354	1	gintschel	PERSON
fsr-4128	355	1	2008	DATE
fsr-4128	356	1	britt et al	PERSON
fsr-4128	356	2	2015	CARDINAL
fsr-4128	357	1	hackethal et al	PERSON
fsr-4128	358	1	2012	DATE
fsr-4128	359	1	kramer	PERSON
fsr-4128	359	2	2012	DATE
fsr-4128	360	1	kim	PERSON
fsr-4128	360	2	garman	PERSON
fsr-4128	360	3	2003	DATE
fsr-4128	361	1	lusardi	PERSON
fsr-4128	361	2	mitchell	PERSON
fsr-4128	361	3	2011	DATE
fsr-4128	362	1	marsden	PERSON
fsr-4128	362	2	zick	PERSON
fsr-4128	362	3	mayer	PERSON
fsr-4128	362	4	2011	DATE
fsr-4128	364	1	2007	DATE
fsr-4128	365	1	rehl et al	PERSON
fsr-4128	366	1	2016	DATE
fsr-4128	367	1	3	CARDINAL
fsr-4128	368	1	33(4	CARDINAL
fsr-4128	368	2	152	CARDINAL
fsr-4128	368	3	3	CARDINAL
fsr-4128	369	1	abbott et al	PERSON
fsr-4128	370	1	2006	DATE
fsr-4128	370	2	12-month	DATE
fsr-4128	371	1	archuleta et al	PERSON
fsr-4128	371	2	2020	DATE
fsr-4128	372	1	coredata	PERSON
fsr-4128	372	2	2020	DATE
fsr-4128	376	1	2008	DATE
fsr-4128	378	1	2007	DATE
fsr-4128	380	1	2006	DATE
fsr-4128	381	1	kim et al	PERSON
fsr-4128	382	1	2003	DATE
fsr-4128	382	2	18-month	DATE
fsr-4128	385	1	2006	DATE
fsr-4128	387	1	3	CARDINAL
fsr-4128	388	1	macdonald et al	PERSON
fsr-4128	388	2	153	CARDINAL
fsr-4128	388	3	3	CARDINAL
fsr-4128	389	1	2014	DATE
fsr-4128	389	2	nearly half	CARDINAL
fsr-4128	389	3	45%	PERCENT
fsr-4128	390	1	irving et al	PERSON
fsr-4128	391	1	2011	DATE
fsr-4128	392	1	loy et al	PERSON
fsr-4128	393	1	2021	CARDINAL
fsr-4128	393	2	covid-19	DATE
fsr-4128	394	1	2007	DATE
fsr-4128	396	1	2022	CARDINAL
fsr-4128	396	2	2009	DATE
fsr-4128	396	3	2016	DATE
fsr-4128	398	1	madamba & utkus	ORG
fsr-4128	398	2	2017	CARDINAL
fsr-4128	402	1	montmarquette & viennot-briot	ORG
fsr-4128	402	2	2015	CARDINAL
fsr-4128	402	3	15 years	DATE
fsr-4128	402	4	2.73	CARDINAL
fsr-4128	403	1	3	CARDINAL
fsr-4128	404	1	33(4	CARDINAL
fsr-4128	404	2	154	CARDINAL
fsr-4128	404	3	3	CARDINAL
fsr-4128	405	1	meyer	ORG
fsr-4128	406	1	2008	DATE
fsr-4128	407	1	hackethal et al	PERSON
fsr-4128	408	1	2012	DATE
fsr-4128	409	1	hoechle et	PERSON
fsr-4128	411	1	2018	DATE
fsr-4128	412	1	bucher-koenen et al	PERSON
fsr-4128	412	2	2021	CARDINAL
fsr-4128	413	1	loy et al	PERSON
fsr-4128	413	2	2023	CARDINAL
fsr-4128	414	1	2019	CARDINAL
fsr-4128	414	2	37%	PERCENT
fsr-4128	416	1	loy et al	PERSON
fsr-4128	417	1	2023	CARDINAL
fsr-4128	419	1	macdonald et al	PERSON
fsr-4128	419	2	155	CARDINAL
fsr-4128	420	1	1	CARDINAL
fsr-4128	420	2	2	DATE
fsr-4128	420	3	3	CARDINAL
fsr-4128	421	1	three	CARDINAL
fsr-4128	421	2	1	CARDINAL
fsr-4128	421	3	2	CARDINAL
fsr-4128	421	4	3	CARDINAL
fsr-4128	422	1	1	CARDINAL
fsr-4128	423	1	australian	NORP
fsr-4128	425	1	1	CARDINAL
fsr-4128	426	1	loy et al.	PERSON
fsr-4128	426	2	2023	CARDINAL
fsr-4128	426	3	2	CARDINAL
fsr-4128	431	1	cohen & wills	ORG
fsr-4128	431	2	1985	DATE
fsr-4128	431	3	feeney & collins	ORG
fsr-4128	431	4	2015	DATE
fsr-4128	431	5	holt-lunstad	PERSON
fsr-4128	431	6	2018	DATE
fsr-4128	432	1	2	CARDINAL
fsr-4128	432	2	cohen & wills’ (	ORG
fsr-4128	432	3	1985	DATE
fsr-4128	432	4	four	CARDINAL
fsr-4128	432	5	1	CARDINAL
fsr-4128	432	6	2	CARDINAL
fsr-4128	432	7	3	CARDINAL
fsr-4128	432	8	4	CARDINAL
fsr-4128	433	1	33(4	CARDINAL
fsr-4128	433	2	156	CARDINAL
fsr-4128	433	3	2	CARDINAL
fsr-4128	434	1	loy et al.	PERSON
fsr-4128	434	2	2023	CARDINAL
fsr-4128	435	1	2	CARDINAL
fsr-4128	435	2	3	CARDINAL
fsr-4128	436	1	one	CARDINAL
fsr-4128	438	1	3	CARDINAL
fsr-4128	439	1	3	CARDINAL
fsr-4128	440	1	loy et al.	PERSON
fsr-4128	440	2	2021	CARDINAL
fsr-4128	440	3	2023	CARDINAL
fsr-4128	441	1	macdonald et al	PERSON
fsr-4128	442	1	157	CARDINAL
fsr-4128	453	1	over 330	CARDINAL
fsr-4128	454	1	2017	DATE
fsr-4128	457	1	1	CARDINAL
fsr-4128	457	2	macdonald et al.	PERSON
fsr-4128	457	3	2023	CARDINAL
fsr-4128	457	4	2007	DATE
fsr-4128	461	1	2	CARDINAL
fsr-4128	463	1	3	CARDINAL
fsr-4128	465	1	4	CARDINAL
fsr-4128	468	1	5	CARDINAL
fsr-4128	470	1	33(4	CARDINAL
fsr-4128	470	2	158	CARDINAL
fsr-4128	470	3	6	CARDINAL
fsr-4128	473	1	one	CARDINAL
fsr-4128	476	1	abbott	GPE
fsr-4128	476	2	s., & hobby	ORG
fsr-4128	476	3	2000	DATE
fsr-4128	478	1	114(5	CARDINAL
fsr-4128	478	2	324	CARDINAL
fsr-4128	479	1	abbott	GPE
fsr-4128	479	2	s.	GPE
fsr-4128	479	3	l., & cotter	ORG
fsr-4128	479	4	s.	PERSON
fsr-4128	479	5	2006	DATE
fsr-4128	481	1	14(1	CARDINAL
fsr-4128	481	2	1-8	DATE
fsr-4128	483	1	2019, december 2	DATE
fsr-4128	487	1	2022	CARDINAL
fsr-4128	488	1	australian	NORP
fsr-4128	488	2	2022	CARDINAL
fsr-4128	489	1	b. l.	PERSON
fsr-4128	489	2	d. l.	PERSON
fsr-4128	489	3	1996	DATE
fsr-4128	491	1	journal of business research	ORG
fsr-4128	491	2	37, 7184	DATE
fsr-4128	492	1	w. l.	PERSON
fsr-4128	492	2	& lee	PERSON
fsr-4128	492	3	s. a.	PERSON
fsr-4128	492	4	2002	DATE
fsr-4128	493	1	four	CARDINAL
fsr-4128	494	1	15(5	CARDINAL
fsr-4128	494	2	76-85	DATE
fsr-4128	496	1	2019	CARDINAL
fsr-4128	497	1	627	CARDINAL
fsr-4128	498	1	https://asic.gov.au/regulatoryresources/find-a-document/reports/rep627-financial-advice-what-consumersreally-think/	GPE
fsr-4128	498	2	australian	NORP
fsr-4128	499	1	2022	CARDINAL
fsr-4128	501	1	s/2023-01	ORG
fsr-4128	501	2	bagwell	ORG
fsr-4128	501	3	d. c.	PERSON
fsr-4128	501	4	2000	DATE
fsr-4128	502	1	virginia polytechnic institute	ORG
fsr-4128	503	1	virginia	GPE
fsr-4128	504	1	blanchett	GPE
fsr-4128	504	2	d. m.	PERSON
fsr-4128	504	3	2019	DATE
fsr-4128	506	1	journal of financial planning	ORG
fsr-4128	506	2	30-40	CARDINAL
fsr-4128	507	1	m. p.	PERSON
fsr-4128	507	2	1993	DATE
fsr-4128	509	1	2(1	CARDINAL
fsr-4128	509	2	26	CARDINAL
fsr-4128	510	1	bluethgen	PERSON
fsr-4128	510	2	r.	NORP
fsr-4128	510	3	gintschel, a.	PERSON
fsr-4128	510	4	hackethal, a., & mueller	PERSON
fsr-4128	510	5	a. (	PERSON
fsr-4128	510	6	2008	DATE
fsr-4128	512	1	ssrn	PERSON
fsr-4128	513	1	https://doi.org/10.2139/ssrn.968197 bluethgen	PERSON
fsr-4128	513	2	r.	NORP
fsr-4128	513	3	meyer	ORG
fsr-4128	513	4	s., & hackethal	ORG
fsr-4128	513	5	2008	DATE
fsr-4128	517	1	f1a08e41c	CARDINAL
fsr-4128	517	2	681ec8e93579ba480c1b3cf40a74e2b	CARDINAL
fsr-4128	517	3	2017	CARDINAL
fsr-4128	519	1	m. allen	PERSON
fsr-4128	519	2	ed	PERSON
fsr-4128	519	3	3rd	ORDINAL
fsr-4128	519	4	10761077	DATE
fsr-4128	521	1	1	CARDINAL
fsr-4128	521	2	s.	PERSON
fsr-4128	521	3	2007	DATE
fsr-4128	523	1	1(2	CARDINAL
fsr-4128	523	2	55-63	CARDINAL
fsr-4128	524	1	brackertz	ORG
fsr-4128	524	2	2014	DATE
fsr-4128	525	1	australian	NORP
fsr-4128	526	1	macdonald et al	PERSON
fsr-4128	526	2	159	CARDINAL
fsr-4128	526	3	13(3	CARDINAL
fsr-4128	526	4	389407	DATE
fsr-4128	527	1	britt	PERSON
fsr-4128	527	2	s. l.	PERSON
fsr-4128	527	3	k., & tibbetts	ORG
fsr-4128	527	4	r.	PERSON
fsr-4128	527	5	2015	CARDINAL
fsr-4128	529	1	26(2	CARDINAL
fsr-4128	529	2	172186	DATE
fsr-4128	530	1	brüggen	ORG
fsr-4128	530	2	e. c.	PERSON
fsr-4128	530	3	j.	PERSON
fsr-4128	530	4	m.	PERSON
fsr-4128	530	5	kabadayi	GPE
fsr-4128	530	6	s., & löfgren	ORG
fsr-4128	530	7	m. (	PERSON
fsr-4128	530	8	2017	CARDINAL
fsr-4128	532	1	journal of business research	ORG
fsr-4128	532	2	79	CARDINAL
fsr-4128	532	3	228237	DATE
fsr-4128	534	1	03.013	CARDINAL
fsr-4128	534	2	bucher-koenen	PERSON
fsr-4128	534	3	t.	GPE
fsr-4128	534	4	koenen	PERSON
fsr-4128	534	5	j., &	ORG
fsr-4128	534	6	2021	CARDINAL
fsr-4128	537	1	http://dx.doi.org/10.2139/ssrn.2572961	CARDINAL
fsr-4128	538	1	2023	CARDINAL
fsr-4128	539	1	2023	CARDINAL
fsr-4128	540	1	3ad8d5ca48c4a54e9fad	CARDINAL
fsr-4128	540	2	j. m. r., & reuter	PERSON
fsr-4128	540	3	j. (	PERSON
fsr-4128	540	4	2012	DATE
fsr-4128	542	1	ssrn	PERSON
fsr-4128	543	1	j.	GPE
fsr-4128	543	2	salamanca	GPE
fsr-4128	543	3	n., ribar	ORG
fsr-4128	543	4	d. c.	PERSON
fsr-4128	543	5	a., & ross	ORG
fsr-4128	543	6	j.	PERSON
fsr-4128	543	7	2022	CARDINAL
fsr-4128	545	1	98(321	CARDINAL
fsr-4128	545	2	133	CARDINAL
fsr-4128	547	1	2015	CARDINAL
fsr-4128	551	1	2016	CARDINAL
fsr-4128	554	1	ing_strategy_to_improve_financial	DATE
fsr-4128	555	1	2020	DATE
fsr-4128	557	1	new zealand	GPE
fsr-4128	558	1	https://financialadvice.nz/wpcontent/uploads/2020/10/financialadvice-nz-trust-in-advice-doublepage.pdf day	DATE
fsr-4128	558	2	l.	PERSON
fsr-4128	558	3	s. b., & hay	PERSON
fsr-4128	558	4	2008	DATE
fsr-4128	562	1	1968	DATE
fsr-4128	564	1	23	CARDINAL
fsr-4128	564	2	267–275	CARDINAL
fsr-4128	565	1	g.	PERSON
fsr-4128	565	2	christopher lundquist	PERSON
fsr-4128	565	3	e., & staten	ORG
fsr-4128	565	4	m. e.	PERSON
fsr-4128	565	5	2007	DATE
fsr-4128	567	1	41(1	CARDINAL
fsr-4128	567	2	1-28	CARDINAL
fsr-4128	570	1	2018	DATE
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