id	sid	tid	token	lemma	pos
fsr-3146	1	1	what	what	PRON
fsr-3146	1	2	determines	determine	VERB
fsr-3146	1	3	risk	risk	NOUN
fsr-3146	1	4	tolerance	tolerance	NOUN
fsr-3146	1	5	?	?	PUNCT
fsr-3146	2	1	michael	michael	PROPN
fsr-3146	2	2	guillemette	guillemette	PROPN
fsr-3146	2	3	,	,	PUNCT
fsr-3146	2	4	ph.d	ph.d	PROPN
fsr-3146	2	5	.	.	PROPN
fsr-3146	2	6	,	,	PUNCT
fsr-3146	2	7	cfp	cfp	PROPN
fsr-3146	2	8	�	�	PROPN
fsr-3146	2	9	a	a	PRON
fsr-3146	2	10	,	,	PUNCT
fsr-3146	2	11	*	*	PROPN
fsr-3146	2	12	,	,	PUNCT
fsr-3146	2	13	david	david	PROPN
fsr-3146	2	14	nanigian	nanigian	PROPN
fsr-3146	2	15	,	,	PUNCT
fsr-3146	2	16	ph.d.b	ph.d.b	NOUN
fsr-3146	2	17	adepartment	adepartment	NOUN
fsr-3146	2	18	of	of	ADP
fsr-3146	2	19	personal	personal	ADJ
fsr-3146	2	20	financial	financial	ADJ
fsr-3146	2	21	planning	planning	NOUN
fsr-3146	2	22	,	,	PUNCT
fsr-3146	2	23	college	college	NOUN
fsr-3146	2	24	of	of	ADP
fsr-3146	2	25	human	human	PROPN
fsr-3146	2	26	environmental	environmental	ADJ
fsr-3146	2	27	sciences	sciences	PROPN
fsr-3146	2	28	,	,	PUNCT
fsr-3146	2	29	university	university	NOUN
fsr-3146	2	30	of	of	ADP
fsr-3146	2	31	missouri	missouri	PROPN
fsr-3146	2	32	,	,	PUNCT
fsr-3146	2	33	239b	239b	PROPN
fsr-3146	2	34	stanley	stanley	PROPN
fsr-3146	2	35	hall	hall	PROPN
fsr-3146	2	36	,	,	PUNCT
fsr-3146	2	37	columbia	columbia	PROPN
fsr-3146	2	38	,	,	PUNCT
fsr-3146	2	39	mo	mo	PROPN
fsr-3146	2	40	65211	65211	NUM
fsr-3146	2	41	,	,	PUNCT
fsr-3146	2	42	usa	usa	PROPN
fsr-3146	2	43	bthe	bthe	PROPN
fsr-3146	2	44	richard	richard	PROPN
fsr-3146	2	45	d.	d.	PROPN
fsr-3146	2	46	irwin	irwin	PROPN
fsr-3146	2	47	graduate	graduate	PROPN
fsr-3146	2	48	school	school	PROPN
fsr-3146	2	49	,	,	PUNCT
fsr-3146	2	50	the	the	DET
fsr-3146	2	51	american	american	PROPN
fsr-3146	2	52	college	college	PROPN
fsr-3146	2	53	,	,	PUNCT
fsr-3146	2	54	270	270	NUM
fsr-3146	2	55	south	south	PROPN
fsr-3146	2	56	bryn	bryn	PROPN
fsr-3146	2	57	mawr	mawr	PROPN
fsr-3146	2	58	avenue	avenue	PROPN
fsr-3146	2	59	,	,	PUNCT
fsr-3146	2	60	bryn	bryn	PROPN
fsr-3146	2	61	mawr	mawr	PROPN
fsr-3146	2	62	,	,	PUNCT
fsr-3146	2	63	pa	pa	PROPN
fsr-3146	2	64	19010	19010	NUM
fsr-3146	2	65	,	,	PUNCT
fsr-3146	2	66	usa	usa	PROPN
fsr-3146	2	67	abstract	abstract	NOUN
fsr-3146	2	68	it	it	PRON
fsr-3146	2	69	is	be	AUX
fsr-3146	2	70	important	important	ADJ
fsr-3146	2	71	for	for	SCONJ
fsr-3146	2	72	financial	financial	ADJ
fsr-3146	2	73	planners	planner	NOUN
fsr-3146	2	74	to	to	PART
fsr-3146	2	75	understand	understand	VERB
fsr-3146	2	76	what	what	PRON
fsr-3146	2	77	drives	drive	VERB
fsr-3146	2	78	risk	risk	NOUN
fsr-3146	2	79	tolerance	tolerance	NOUN
fsr-3146	2	80	as	as	SCONJ
fsr-3146	2	81	it	it	PRON
fsr-3146	2	82	directly	directly	ADV
fsr-3146	2	83	influences	influence	VERB
fsr-3146	2	84	the	the	DET
fsr-3146	2	85	portfolio	portfolio	NOUN
fsr-3146	2	86	allocation	allocation	NOUN
fsr-3146	2	87	preference	preference	NOUN
fsr-3146	2	88	of	of	ADP
fsr-3146	2	89	clients	client	NOUN
fsr-3146	2	90	.	.	PUNCT
fsr-3146	3	1	we	we	PRON
fsr-3146	3	2	hypothesize	hypothesize	VERB
fsr-3146	3	3	that	that	PRON
fsr-3146	3	4	habit	habit	VERB
fsr-3146	3	5	formation	formation	NOUN
fsr-3146	3	6	,	,	PUNCT
fsr-3146	3	7	loss	loss	NOUN
fsr-3146	3	8	aversion	aversion	NOUN
fsr-3146	3	9	and	and	CCONJ
fsr-3146	3	10	investor	investor	NOUN
fsr-3146	3	11	sentiment	sentiment	NOUN
fsr-3146	3	12	account	account	VERB
fsr-3146	3	13	for	for	ADP
fsr-3146	3	14	significant	significant	ADJ
fsr-3146	3	15	variation	variation	NOUN
fsr-3146	3	16	in	in	ADP
fsr-3146	3	17	risk	risk	NOUN
fsr-3146	3	18	tolerance	tolerance	NOUN
fsr-3146	3	19	.	.	PUNCT
fsr-3146	4	1	we	we	PRON
fsr-3146	4	2	analyze	analyze	VERB
fsr-3146	4	3	average	average	ADJ
fsr-3146	4	4	monthly	monthly	ADJ
fsr-3146	4	5	scores	score	NOUN
fsr-3146	4	6	from	from	ADP
fsr-3146	4	7	a	a	DET
fsr-3146	4	8	widely	widely	ADV
fsr-3146	4	9	used	use	VERB
fsr-3146	4	10	risk	risk	NOUN
fsr-3146	4	11	tolerance	tolerance	NOUN
fsr-3146	4	12	questionnaire	questionnaire	NOUN
fsr-3146	4	13	.	.	PUNCT
fsr-3146	5	1	we	we	PRON
fsr-3146	5	2	find	find	VERB
fsr-3146	5	3	that	that	SCONJ
fsr-3146	5	4	the	the	DET
fsr-3146	5	5	habit	habit	NOUN
fsr-3146	5	6	formation	formation	NOUN
fsr-3146	5	7	,	,	PUNCT
fsr-3146	5	8	loss	loss	NOUN
fsr-3146	5	9	aversion	aversion	NOUN
fsr-3146	5	10	,	,	PUNCT
fsr-3146	5	11	and	and	CCONJ
fsr-3146	5	12	sentiment	sentiment	NOUN
fsr-3146	5	13	proxies	proxy	NOUN
fsr-3146	5	14	account	account	VERB
fsr-3146	5	15	for	for	ADP
fsr-3146	5	16	�	�	NOUN
fsr-3146	5	17	1.06	1.06	NUM
fsr-3146	5	18	%	%	NOUN
fsr-3146	5	19	,	,	PUNCT
fsr-3146	5	20	38.51	38.51	NUM
fsr-3146	5	21	%	%	NOUN
fsr-3146	5	22	,	,	PUNCT
fsr-3146	5	23	and	and	CCONJ
fsr-3146	5	24	13.21	13.21	NUM
fsr-3146	5	25	%	%	NOUN
fsr-3146	5	26	of	of	ADP
fsr-3146	5	27	the	the	DET
fsr-3146	5	28	variation	variation	NOUN
fsr-3146	5	29	in	in	ADP
fsr-3146	5	30	average	average	ADJ
fsr-3146	5	31	monthly	monthly	ADJ
fsr-3146	5	32	risk	risk	NOUN
fsr-3146	5	33	tolerance	tolerance	NOUN
fsr-3146	5	34	,	,	PUNCT
fsr-3146	5	35	respectively	respectively	ADV
fsr-3146	5	36	.	.	PUNCT
fsr-3146	6	1	habit	habit	NOUN
fsr-3146	6	2	formation	formation	NOUN
fsr-3146	6	3	did	do	AUX
fsr-3146	6	4	not	not	PART
fsr-3146	6	5	account	account	VERB
fsr-3146	6	6	for	for	ADP
fsr-3146	6	7	additional	additional	ADJ
fsr-3146	6	8	variation	variation	NOUN
fsr-3146	6	9	in	in	ADP
fsr-3146	6	10	average	average	ADJ
fsr-3146	6	11	monthly	monthly	ADJ
fsr-3146	6	12	risk	risk	NOUN
fsr-3146	6	13	tolerance	tolerance	NOUN
fsr-3146	6	14	when	when	SCONJ
fsr-3146	6	15	controlling	control	VERB
fsr-3146	6	16	for	for	ADP
fsr-3146	6	17	loss	loss	NOUN
fsr-3146	6	18	aversion	aversion	NOUN
fsr-3146	6	19	and	and	CCONJ
fsr-3146	6	20	sentiment	sentiment	NOUN
fsr-3146	6	21	.	.	PUNCT
fsr-3146	7	1	©	©	PROPN
fsr-3146	7	2	2014	2014	NUM
fsr-3146	7	3	academy	academy	NOUN
fsr-3146	7	4	of	of	ADP
fsr-3146	7	5	financial	financial	ADJ
fsr-3146	7	6	services	service	NOUN
fsr-3146	7	7	.	.	PUNCT
fsr-3146	8	1	all	all	DET
fsr-3146	8	2	rights	right	NOUN
fsr-3146	8	3	reserved	reserve	VERB
fsr-3146	8	4	.	.	PUNCT
fsr-3146	9	1	jel	jel	PROPN
fsr-3146	9	2	classification	classification	NOUN
fsr-3146	9	3	:	:	PUNCT
fsr-3146	9	4	d81	d81	NOUN
fsr-3146	9	5	keywords	keyword	NOUN
fsr-3146	9	6	:	:	PUNCT
fsr-3146	9	7	risk	risk	NOUN
fsr-3146	9	8	tolerance	tolerance	NOUN
fsr-3146	9	9	;	;	PUNCT
fsr-3146	9	10	loss	loss	NOUN
fsr-3146	9	11	aversion	aversion	NOUN
fsr-3146	9	12	;	;	PUNCT
fsr-3146	9	13	habit	habit	ADJ
fsr-3146	9	14	formation	formation	NOUN
fsr-3146	9	15	;	;	PUNCT
fsr-3146	9	16	sentiment	sentiment	NOUN
fsr-3146	9	17	1	1	NUM
fsr-3146	9	18	.	.	PUNCT
fsr-3146	10	1	introduction	introduction	NOUN
fsr-3146	10	2	it	it	PRON
fsr-3146	10	3	is	be	AUX
fsr-3146	10	4	important	important	ADJ
fsr-3146	10	5	for	for	SCONJ
fsr-3146	10	6	financial	financial	ADJ
fsr-3146	10	7	planners	planner	NOUN
fsr-3146	10	8	to	to	PART
fsr-3146	10	9	understand	understand	VERB
fsr-3146	10	10	what	what	PRON
fsr-3146	10	11	factors	factor	NOUN
fsr-3146	10	12	account	account	VERB
fsr-3146	10	13	for	for	ADP
fsr-3146	10	14	variation	variation	NOUN
fsr-3146	10	15	in	in	ADP
fsr-3146	10	16	risk	risk	NOUN
fsr-3146	10	17	tolerance	tolerance	NOUN
fsr-3146	10	18	.	.	PUNCT
fsr-3146	11	1	knowledge	knowledge	NOUN
fsr-3146	11	2	of	of	ADP
fsr-3146	11	3	these	these	DET
fsr-3146	11	4	factors	factor	NOUN
fsr-3146	11	5	will	will	AUX
fsr-3146	11	6	help	help	VERB
fsr-3146	11	7	planners	planner	NOUN
fsr-3146	11	8	identify	identify	VERB
fsr-3146	11	9	what	what	PRON
fsr-3146	11	10	types	type	NOUN
fsr-3146	11	11	of	of	ADP
fsr-3146	11	12	economic	economic	ADJ
fsr-3146	11	13	situations	situation	NOUN
fsr-3146	11	14	might	might	AUX
fsr-3146	11	15	affect	affect	VERB
fsr-3146	11	16	clients	client	NOUN
fsr-3146	11	17	’	’	PART
fsr-3146	11	18	preferences	preference	NOUN
fsr-3146	11	19	for	for	ADP
fsr-3146	11	20	risky	risky	ADJ
fsr-3146	11	21	assets	asset	NOUN
fsr-3146	11	22	.	.	PUNCT
fsr-3146	12	1	according	accord	VERB
fsr-3146	12	2	to	to	ADP
fsr-3146	12	3	modern	modern	ADJ
fsr-3146	12	4	portfolio	portfolio	NOUN
fsr-3146	12	5	theory	theory	NOUN
fsr-3146	12	6	assets	asset	NOUN
fsr-3146	12	7	with	with	ADP
fsr-3146	12	8	a	a	DET
fsr-3146	12	9	higher	high	ADJ
fsr-3146	12	10	variance	variance	NOUN
fsr-3146	12	11	should	should	AUX
fsr-3146	12	12	have	have	VERB
fsr-3146	12	13	a	a	DET
fsr-3146	12	14	higher	high	ADJ
fsr-3146	12	15	expected	expect	VERB
fsr-3146	12	16	return	return	NOUN
fsr-3146	12	17	(	(	PUNCT
fsr-3146	12	18	markowitz	markowitz	PROPN
fsr-3146	12	19	,	,	PUNCT
fsr-3146	12	20	1952	1952	NUM
fsr-3146	12	21	)	)	PUNCT
fsr-3146	12	22	.	.	PUNCT
fsr-3146	13	1	this	this	PRON
fsr-3146	13	2	corresponds	correspond	VERB
fsr-3146	13	3	to	to	ADP
fsr-3146	13	4	the	the	DET
fsr-3146	13	5	concave	concave	ADJ
fsr-3146	13	6	form	form	NOUN
fsr-3146	13	7	of	of	ADP
fsr-3146	13	8	a	a	DET
fsr-3146	13	9	typical	typical	ADJ
fsr-3146	13	10	investor	investor	NOUN
fsr-3146	13	11	’s	’s	PART
fsr-3146	13	12	utility	utility	NOUN
fsr-3146	13	13	function	function	NOUN
fsr-3146	13	14	.	.	PUNCT
fsr-3146	14	1	the	the	PRON
fsr-3146	14	2	greater	great	ADJ
fsr-3146	14	3	the	the	DET
fsr-3146	14	4	concavity	concavity	NOUN
fsr-3146	14	5	of	of	ADP
fsr-3146	14	6	someone	someone	PRON
fsr-3146	14	7	’s	’s	PART
fsr-3146	14	8	utility	utility	NOUN
fsr-3146	14	9	function	function	NOUN
fsr-3146	14	10	,	,	PUNCT
fsr-3146	14	11	the	the	PRON
fsr-3146	14	12	less	less	ADV
fsr-3146	14	13	willing	willing	ADJ
fsr-3146	14	14	they	they	PRON
fsr-3146	14	15	are	be	AUX
fsr-3146	14	16	to	to	PART
fsr-3146	14	17	accept	accept	VERB
fsr-3146	14	18	*	*	PUNCT
fsr-3146	14	19	corresponding	correspond	VERB
fsr-3146	14	20	author	author	NOUN
fsr-3146	14	21	.	.	PUNCT
fsr-3146	15	1	tel	tel	PROPN
fsr-3146	15	2	.	.	PUNCT
fsr-3146	15	3	:	:	PUNCT
fsr-3146	16	1	�	�	PROPN
fsr-3146	16	2	1	1	NUM
fsr-3146	16	3	-	-	NUM
fsr-3146	16	4	573	573	NUM
fsr-3146	16	5	-	-	PUNCT
fsr-3146	16	6	884	884	NUM
fsr-3146	16	7	-	-	NUM
fsr-3146	16	8	9188	9188	NUM
fsr-3146	16	9	;	;	PUNCT
fsr-3146	16	10	fax	fax	NOUN
fsr-3146	16	11	:	:	PUNCT
fsr-3146	16	12	�	�	PROPN
fsr-3146	16	13	1	1	NUM
fsr-3146	16	14	-	-	NUM
fsr-3146	16	15	573	573	NUM
fsr-3146	16	16	-	-	PUNCT
fsr-3146	16	17	884	884	NUM
fsr-3146	16	18	-	-	PUNCT
fsr-3146	16	19	8389	8389	NUM
fsr-3146	16	20	.	.	PUNCT
fsr-3146	17	1	e	e	X
fsr-3146	17	2	-	-	NOUN
fsr-3146	17	3	mail	mail	NOUN
fsr-3146	17	4	address	address	NOUN
fsr-3146	17	5	:	:	PUNCT
fsr-3146	17	6	guillemettem@missouri.edu	guillemettem@missouri.edu	PROPN
fsr-3146	17	7	(	(	PUNCT
fsr-3146	17	8	m.	m.	NOUN
fsr-3146	17	9	guillemette	guillemette	NOUN
fsr-3146	17	10	)	)	PUNCT
fsr-3146	17	11	financial	financial	ADJ
fsr-3146	17	12	services	service	NOUN
fsr-3146	17	13	review	review	VERB
fsr-3146	17	14	23	23	NUM
fsr-3146	17	15	(	(	PUNCT
fsr-3146	17	16	2014	2014	NUM
fsr-3146	17	17	)	)	PUNCT
fsr-3146	18	1	207–218	207–218	NUM
fsr-3146	18	2	1057	1057	NUM
fsr-3146	18	3	-	-	SYM
fsr-3146	18	4	0810/14/$	0810/14/$	NUM
fsr-3146	18	5	–	–	PUNCT
fsr-3146	18	6	see	see	VERB
fsr-3146	18	7	front	front	ADJ
fsr-3146	18	8	matter	matter	NOUN
fsr-3146	18	9	©	©	PROPN
fsr-3146	18	10	2014	2014	NUM
fsr-3146	18	11	academy	academy	NOUN
fsr-3146	18	12	of	of	ADP
fsr-3146	18	13	financial	financial	ADJ
fsr-3146	18	14	services	service	NOUN
fsr-3146	18	15	.	.	PUNCT
fsr-3146	19	1	all	all	DET
fsr-3146	19	2	rights	right	NOUN
fsr-3146	19	3	reserved	reserve	VERB
fsr-3146	19	4	.	.	PUNCT
fsr-3146	20	1	variation	variation	NOUN
fsr-3146	20	2	in	in	ADP
fsr-3146	20	3	consumption	consumption	NOUN
fsr-3146	20	4	over	over	ADP
fsr-3146	20	5	time	time	NOUN
fsr-3146	20	6	.	.	PUNCT
fsr-3146	21	1	more	more	ADJ
fsr-3146	21	2	risk	risk	NOUN
fsr-3146	21	3	averse	averse	ADJ
fsr-3146	21	4	individuals	individual	NOUN
fsr-3146	21	5	must	must	AUX
fsr-3146	21	6	be	be	AUX
fsr-3146	21	7	compensated	compensate	VERB
fsr-3146	21	8	with	with	ADP
fsr-3146	21	9	a	a	DET
fsr-3146	21	10	higher	high	ADJ
fsr-3146	21	11	expected	expect	VERB
fsr-3146	21	12	return	return	NOUN
fsr-3146	21	13	,	,	PUNCT
fsr-3146	21	14	compared	compare	VERB
fsr-3146	21	15	with	with	ADP
fsr-3146	21	16	those	those	PRON
fsr-3146	21	17	who	who	PRON
fsr-3146	21	18	are	be	AUX
fsr-3146	21	19	less	less	ADJ
fsr-3146	21	20	risk	risk	NOUN
fsr-3146	21	21	averse	averse	ADJ
fsr-3146	21	22	,	,	PUNCT
fsr-3146	21	23	to	to	PART
fsr-3146	21	24	accept	accept	VERB
fsr-3146	21	25	greater	great	ADJ
fsr-3146	21	26	consumption	consumption	NOUN
fsr-3146	21	27	variation	variation	NOUN
fsr-3146	21	28	.	.	PUNCT
fsr-3146	22	1	the	the	DET
fsr-3146	22	2	degree	degree	NOUN
fsr-3146	22	3	of	of	ADP
fsr-3146	22	4	risk	risk	NOUN
fsr-3146	22	5	aversion	aversion	NOUN
fsr-3146	22	6	determines	determine	VERB
fsr-3146	22	7	the	the	DET
fsr-3146	22	8	optimal	optimal	ADJ
fsr-3146	22	9	mix	mix	NOUN
fsr-3146	22	10	of	of	ADP
fsr-3146	22	11	risky	risky	ADJ
fsr-3146	22	12	and	and	CCONJ
fsr-3146	22	13	risk	risk	NOUN
fsr-3146	22	14	-	-	PUNCT
fsr-3146	22	15	free	free	ADJ
fsr-3146	22	16	assets	asset	NOUN
fsr-3146	22	17	within	within	ADP
fsr-3146	22	18	an	an	DET
fsr-3146	22	19	investor	investor	NOUN
fsr-3146	22	20	’s	’s	PART
fsr-3146	22	21	portfolio	portfolio	NOUN
fsr-3146	22	22	.	.	PUNCT
fsr-3146	23	1	the	the	DET
fsr-3146	23	2	three	three	NUM
fsr-3146	23	3	primary	primary	ADJ
fsr-3146	23	4	theories	theory	NOUN
fsr-3146	23	5	that	that	PRON
fsr-3146	23	6	help	help	VERB
fsr-3146	23	7	explain	explain	VERB
fsr-3146	23	8	willingness	willingness	NOUN
fsr-3146	23	9	to	to	PART
fsr-3146	23	10	take	take	VERB
fsr-3146	23	11	investment	investment	NOUN
fsr-3146	23	12	risk	risk	NOUN
fsr-3146	23	13	include	include	VERB
fsr-3146	23	14	habit	habit	ADJ
fsr-3146	23	15	formation	formation	NOUN
fsr-3146	23	16	(	(	PUNCT
fsr-3146	23	17	abel	abel	NOUN
fsr-3146	23	18	,	,	PUNCT
fsr-3146	23	19	1990	1990	NUM
fsr-3146	23	20	)	)	PUNCT
fsr-3146	23	21	,	,	PUNCT
fsr-3146	23	22	loss	loss	NOUN
fsr-3146	23	23	aversion	aversion	NOUN
fsr-3146	23	24	(	(	PUNCT
fsr-3146	23	25	kahneman	kahneman	NOUN
fsr-3146	23	26	and	and	CCONJ
fsr-3146	23	27	tversky	tversky	ADJ
fsr-3146	23	28	,	,	PUNCT
fsr-3146	23	29	1979	1979	NUM
fsr-3146	23	30	)	)	PUNCT
fsr-3146	23	31	,	,	PUNCT
fsr-3146	23	32	and	and	CCONJ
fsr-3146	23	33	investor	investor	NOUN
fsr-3146	23	34	sentiment	sentiment	NOUN
fsr-3146	23	35	(	(	PUNCT
fsr-3146	23	36	baker	baker	NOUN
fsr-3146	23	37	and	and	CCONJ
fsr-3146	23	38	wurgler	wurgler	NOUN
fsr-3146	23	39	,	,	PUNCT
fsr-3146	23	40	2007	2007	NUM
fsr-3146	23	41	)	)	PUNCT
fsr-3146	23	42	.	.	PUNCT
fsr-3146	24	1	habit	habit	NOUN
fsr-3146	24	2	formation	formation	NOUN
fsr-3146	24	3	might	might	AUX
fsr-3146	24	4	explain	explain	VERB
fsr-3146	24	5	why	why	SCONJ
fsr-3146	24	6	client	client	NOUN
fsr-3146	24	7	risk	risk	NOUN
fsr-3146	24	8	tolerance	tolerance	NOUN
fsr-3146	24	9	shifts	shift	NOUN
fsr-3146	24	10	when	when	SCONJ
fsr-3146	24	11	a	a	DET
fsr-3146	24	12	job	job	NOUN
fsr-3146	24	13	loss	loss	NOUN
fsr-3146	24	14	or	or	CCONJ
fsr-3146	24	15	a	a	DET
fsr-3146	24	16	sudden	sudden	ADJ
fsr-3146	24	17	windfall	windfall	NOUN
fsr-3146	24	18	is	be	AUX
fsr-3146	24	19	experienced	experience	VERB
fsr-3146	24	20	.	.	PUNCT
fsr-3146	25	1	many	many	ADJ
fsr-3146	25	2	financial	financial	ADJ
fsr-3146	25	3	planners	planner	NOUN
fsr-3146	25	4	are	be	AUX
fsr-3146	25	5	aware	aware	ADJ
fsr-3146	25	6	that	that	SCONJ
fsr-3146	25	7	clients	client	NOUN
fsr-3146	25	8	become	become	VERB
fsr-3146	25	9	more	more	ADV
fsr-3146	25	10	willing	willing	ADJ
fsr-3146	25	11	to	to	PART
fsr-3146	25	12	take	take	VERB
fsr-3146	25	13	investment	investment	NOUN
fsr-3146	25	14	risk	risk	NOUN
fsr-3146	25	15	after	after	ADP
fsr-3146	25	16	experiencing	experience	VERB
fsr-3146	25	17	prior	prior	ADJ
fsr-3146	25	18	investment	investment	NOUN
fsr-3146	25	19	gains	gain	NOUN
fsr-3146	25	20	and	and	CCONJ
fsr-3146	25	21	less	less	ADV
fsr-3146	25	22	willing	willing	ADJ
fsr-3146	25	23	to	to	PART
fsr-3146	25	24	take	take	VERB
fsr-3146	25	25	risk	risk	NOUN
fsr-3146	25	26	after	after	SCONJ
fsr-3146	25	27	successive	successive	ADJ
fsr-3146	25	28	market	market	NOUN
fsr-3146	25	29	declines	decline	VERB
fsr-3146	25	30	.	.	PUNCT
fsr-3146	26	1	loss	loss	NOUN
fsr-3146	26	2	aversion	aversion	NOUN
fsr-3146	26	3	and	and	CCONJ
fsr-3146	26	4	the	the	DET
fsr-3146	26	5	house	house	NOUN
fsr-3146	26	6	money	money	NOUN
fsr-3146	26	7	effect	effect	NOUN
fsr-3146	26	8	have	have	AUX
fsr-3146	26	9	been	be	AUX
fsr-3146	26	10	used	use	VERB
fsr-3146	26	11	to	to	PART
fsr-3146	26	12	explain	explain	VERB
fsr-3146	26	13	this	this	DET
fsr-3146	26	14	behavior	behavior	NOUN
fsr-3146	26	15	,	,	PUNCT
fsr-3146	26	16	but	but	CCONJ
fsr-3146	26	17	to	to	ADP
fsr-3146	26	18	what	what	DET
fsr-3146	26	19	extent	extent	NOUN
fsr-3146	26	20	does	do	AUX
fsr-3146	26	21	it	it	PRON
fsr-3146	26	22	drive	drive	VERB
fsr-3146	26	23	client	client	NOUN
fsr-3146	26	24	risk	risk	NOUN
fsr-3146	26	25	tolerance	tolerance	NOUN
fsr-3146	26	26	?	?	PUNCT
fsr-3146	27	1	many	many	ADJ
fsr-3146	27	2	financial	financial	ADJ
fsr-3146	27	3	planners	planner	NOUN
fsr-3146	27	4	recall	recall	VERB
fsr-3146	27	5	the	the	DET
fsr-3146	27	6	euphoria	euphoria	NOUN
fsr-3146	27	7	clients	client	NOUN
fsr-3146	27	8	experienced	experience	VERB
fsr-3146	27	9	in	in	ADP
fsr-3146	27	10	the	the	DET
fsr-3146	27	11	late	late	ADJ
fsr-3146	27	12	1990s	1990	NOUN
fsr-3146	27	13	when	when	SCONJ
fsr-3146	27	14	technology	technology	NOUN
fsr-3146	27	15	stocks	stock	NOUN
fsr-3146	27	16	were	be	AUX
fsr-3146	27	17	climbing	climb	VERB
fsr-3146	27	18	to	to	PART
fsr-3146	27	19	record	record	NOUN
fsr-3146	27	20	highs	high	NOUN
fsr-3146	27	21	.	.	PUNCT
fsr-3146	28	1	retail	retail	ADJ
fsr-3146	28	2	investors	investor	NOUN
fsr-3146	28	3	piled	pile	VERB
fsr-3146	28	4	into	into	ADP
fsr-3146	28	5	tech	tech	NOUN
fsr-3146	28	6	stocks	stock	NOUN
fsr-3146	28	7	during	during	ADP
fsr-3146	28	8	this	this	DET
fsr-3146	28	9	period	period	NOUN
fsr-3146	28	10	of	of	ADP
fsr-3146	28	11	extraordinarily	extraordinarily	ADV
fsr-3146	28	12	high	high	ADJ
fsr-3146	28	13	sentiment	sentiment	NOUN
fsr-3146	28	14	,	,	PUNCT
fsr-3146	28	15	but	but	CCONJ
fsr-3146	28	16	many	many	ADJ
fsr-3146	28	17	who	who	PRON
fsr-3146	28	18	did	do	AUX
fsr-3146	28	19	lost	lose	VERB
fsr-3146	28	20	significant	significant	ADJ
fsr-3146	28	21	wealth	wealth	NOUN
fsr-3146	28	22	when	when	SCONJ
fsr-3146	28	23	the	the	DET
fsr-3146	28	24	bubble	bubble	NOUN
fsr-3146	28	25	popped	pop	VERB
fsr-3146	28	26	.	.	PUNCT
fsr-3146	29	1	the	the	DET
fsr-3146	29	2	extent	extent	NOUN
fsr-3146	29	3	to	to	PART
fsr-3146	29	4	which	which	DET
fsr-3146	29	5	sentiment	sentiment	NOUN
fsr-3146	29	6	drives	drive	VERB
fsr-3146	29	7	risk	risk	NOUN
fsr-3146	29	8	tolerance	tolerance	NOUN
fsr-3146	29	9	will	will	AUX
fsr-3146	29	10	help	help	VERB
fsr-3146	29	11	financial	financial	ADJ
fsr-3146	29	12	planners	planner	NOUN
fsr-3146	29	13	understand	understand	VERB
fsr-3146	29	14	how	how	SCONJ
fsr-3146	29	15	client	client	NOUN
fsr-3146	29	16	preferences	preference	NOUN
fsr-3146	29	17	for	for	ADP
fsr-3146	29	18	risky	risky	ADJ
fsr-3146	29	19	assets	asset	NOUN
fsr-3146	29	20	might	might	AUX
fsr-3146	29	21	change	change	VERB
fsr-3146	29	22	in	in	ADP
fsr-3146	29	23	relation	relation	NOUN
fsr-3146	29	24	to	to	ADP
fsr-3146	29	25	the	the	DET
fsr-3146	29	26	economic	economic	ADJ
fsr-3146	29	27	outlook	outlook	NOUN
fsr-3146	29	28	.	.	PUNCT
fsr-3146	30	1	the	the	DET
fsr-3146	30	2	next	next	ADJ
fsr-3146	30	3	section	section	NOUN
fsr-3146	30	4	of	of	ADP
fsr-3146	30	5	this	this	DET
fsr-3146	30	6	article	article	NOUN
fsr-3146	30	7	provides	provide	VERB
fsr-3146	30	8	an	an	DET
fsr-3146	30	9	overview	overview	NOUN
fsr-3146	30	10	of	of	ADP
fsr-3146	30	11	the	the	DET
fsr-3146	30	12	literature	literature	NOUN
fsr-3146	30	13	on	on	ADP
fsr-3146	30	14	factors	factor	NOUN
fsr-3146	30	15	that	that	PRON
fsr-3146	30	16	have	have	AUX
fsr-3146	30	17	been	be	AUX
fsr-3146	30	18	used	use	VERB
fsr-3146	30	19	to	to	PART
fsr-3146	30	20	explain	explain	VERB
fsr-3146	30	21	variation	variation	NOUN
fsr-3146	30	22	in	in	ADP
fsr-3146	30	23	risk	risk	NOUN
fsr-3146	30	24	tolerance	tolerance	NOUN
fsr-3146	30	25	.	.	PUNCT
fsr-3146	31	1	the	the	DET
fsr-3146	31	2	literature	literature	PROPN
fsr-3146	31	3	review	review	NOUN
fsr-3146	31	4	also	also	ADV
fsr-3146	31	5	helps	help	VERB
fsr-3146	31	6	to	to	PART
fsr-3146	31	7	explain	explain	VERB
fsr-3146	31	8	why	why	SCONJ
fsr-3146	31	9	different	different	ADJ
fsr-3146	31	10	proxies	proxy	NOUN
fsr-3146	31	11	were	be	AUX
fsr-3146	31	12	selected	select	VERB
fsr-3146	31	13	for	for	ADP
fsr-3146	31	14	habit	habit	NOUN
fsr-3146	31	15	formation	formation	NOUN
fsr-3146	31	16	,	,	PUNCT
fsr-3146	31	17	loss	loss	NOUN
fsr-3146	31	18	aversion	aversion	NOUN
fsr-3146	31	19	,	,	PUNCT
fsr-3146	31	20	and	and	CCONJ
fsr-3146	31	21	investor	investor	NOUN
fsr-3146	31	22	sentiment	sentiment	NOUN
fsr-3146	31	23	.	.	PUNCT
fsr-3146	32	1	section	section	NOUN
fsr-3146	32	2	3	3	NUM
fsr-3146	32	3	outlines	outline	VERB
fsr-3146	32	4	the	the	DET
fsr-3146	32	5	conceptual	conceptual	ADJ
fsr-3146	32	6	framework	framework	NOUN
fsr-3146	32	7	and	and	CCONJ
fsr-3146	32	8	hypothesis	hypothesis	NOUN
fsr-3146	32	9	.	.	PUNCT
fsr-3146	33	1	section	section	NOUN
fsr-3146	33	2	4	4	NUM
fsr-3146	33	3	describes	describe	VERB
fsr-3146	33	4	the	the	DET
fsr-3146	33	5	methodologies	methodology	NOUN
fsr-3146	33	6	used	use	VERB
fsr-3146	33	7	to	to	PART
fsr-3146	33	8	construct	construct	VERB
fsr-3146	33	9	measures	measure	NOUN
fsr-3146	33	10	for	for	ADP
fsr-3146	33	11	habit	habit	NOUN
fsr-3146	33	12	formation	formation	NOUN
fsr-3146	33	13	,	,	PUNCT
fsr-3146	33	14	loss	loss	NOUN
fsr-3146	33	15	aversion	aversion	NOUN
fsr-3146	33	16	,	,	PUNCT
fsr-3146	33	17	and	and	CCONJ
fsr-3146	33	18	investor	investor	NOUN
fsr-3146	33	19	sentiment	sentiment	NOUN
fsr-3146	33	20	.	.	PUNCT
fsr-3146	34	1	the	the	DET
fsr-3146	34	2	article	article	NOUN
fsr-3146	34	3	concludes	conclude	VERB
fsr-3146	34	4	with	with	ADP
fsr-3146	34	5	the	the	DET
fsr-3146	34	6	results	result	NOUN
fsr-3146	34	7	and	and	CCONJ
fsr-3146	34	8	practical	practical	ADJ
fsr-3146	34	9	implications	implication	NOUN
fsr-3146	34	10	for	for	ADP
fsr-3146	34	11	financial	financial	ADJ
fsr-3146	34	12	planners	planner	NOUN
fsr-3146	34	13	.	.	PUNCT
fsr-3146	35	1	2	2	X
fsr-3146	35	2	.	.	X
fsr-3146	35	3	literature	literature	NOUN
fsr-3146	35	4	review	review	VERB
fsr-3146	35	5	consumption	consumption	NOUN
fsr-3146	35	6	-	-	PUNCT
fsr-3146	35	7	based	base	VERB
fsr-3146	35	8	asset	asset	NOUN
fsr-3146	35	9	pricing	pricing	NOUN
fsr-3146	35	10	models	model	NOUN
fsr-3146	35	11	are	be	AUX
fsr-3146	35	12	based	base	VERB
fsr-3146	35	13	on	on	ADP
fsr-3146	35	14	the	the	DET
fsr-3146	35	15	covariance	covariance	NOUN
fsr-3146	35	16	between	between	ADP
fsr-3146	35	17	asset	asset	NOUN
fsr-3146	35	18	returns	return	NOUN
fsr-3146	35	19	and	and	CCONJ
fsr-3146	35	20	consumption	consumption	NOUN
fsr-3146	35	21	growth	growth	NOUN
fsr-3146	35	22	.	.	PUNCT
fsr-3146	36	1	individuals	individual	NOUN
fsr-3146	36	2	prefer	prefer	VERB
fsr-3146	36	3	a	a	DET
fsr-3146	36	4	smooth	smooth	ADJ
fsr-3146	36	5	consumption	consumption	NOUN
fsr-3146	36	6	path	path	NOUN
fsr-3146	36	7	over	over	ADP
fsr-3146	36	8	their	their	PRON
fsr-3146	36	9	lifecycle	lifecycle	NOUN
fsr-3146	36	10	to	to	PART
fsr-3146	36	11	maximize	maximize	VERB
fsr-3146	36	12	expected	expect	VERB
fsr-3146	36	13	lifetime	lifetime	NOUN
fsr-3146	36	14	utility	utility	NOUN
fsr-3146	36	15	,	,	PUNCT
fsr-3146	36	16	which	which	PRON
fsr-3146	36	17	results	result	VERB
fsr-3146	36	18	in	in	ADP
fsr-3146	36	19	a	a	DET
fsr-3146	36	20	low	low	ADJ
fsr-3146	36	21	covariance	covariance	NOUN
fsr-3146	36	22	between	between	ADP
fsr-3146	36	23	asset	asset	NOUN
fsr-3146	36	24	returns	return	NOUN
fsr-3146	36	25	and	and	CCONJ
fsr-3146	36	26	consumption	consumption	NOUN
fsr-3146	36	27	growth	growth	NOUN
fsr-3146	36	28	(	(	PUNCT
fsr-3146	36	29	campbell	campbell	PROPN
fsr-3146	36	30	,	,	PUNCT
fsr-3146	36	31	2003	2003	NUM
fsr-3146	36	32	)	)	PUNCT
fsr-3146	36	33	.	.	PUNCT
fsr-3146	37	1	in	in	ADP
fsr-3146	37	2	this	this	DET
fsr-3146	37	3	case	case	NOUN
fsr-3146	37	4	it	it	PRON
fsr-3146	37	5	is	be	AUX
fsr-3146	37	6	difficult	difficult	ADJ
fsr-3146	37	7	to	to	PART
fsr-3146	37	8	explain	explain	VERB
fsr-3146	37	9	the	the	DET
fsr-3146	37	10	equity	equity	NOUN
fsr-3146	37	11	premium	premium	NOUN
fsr-3146	37	12	without	without	ADP
fsr-3146	37	13	an	an	DET
fsr-3146	37	14	unrealistically	unrealistically	ADV
fsr-3146	37	15	high	high	ADJ
fsr-3146	37	16	coefficient	coefficient	NOUN
fsr-3146	37	17	of	of	ADP
fsr-3146	37	18	relative	relative	ADJ
fsr-3146	37	19	risk	risk	NOUN
fsr-3146	37	20	aversion	aversion	NOUN
fsr-3146	37	21	(	(	PUNCT
fsr-3146	37	22	rra	rra	NOUN
fsr-3146	37	23	)	)	PUNCT
fsr-3146	37	24	(	(	PUNCT
fsr-3146	37	25	campbell	campbell	PROPN
fsr-3146	37	26	,	,	PUNCT
fsr-3146	37	27	2003	2003	NUM
fsr-3146	37	28	)	)	PUNCT
fsr-3146	37	29	.	.	PUNCT
fsr-3146	38	1	variation	variation	NOUN
fsr-3146	38	2	in	in	ADP
fsr-3146	38	3	risk	risk	NOUN
fsr-3146	38	4	tolerance	tolerance	NOUN
fsr-3146	38	5	has	have	AUX
fsr-3146	38	6	been	be	AUX
fsr-3146	38	7	attempted	attempt	VERB
fsr-3146	38	8	to	to	PART
fsr-3146	38	9	be	be	AUX
fsr-3146	38	10	explained	explain	VERB
fsr-3146	38	11	in	in	ADP
fsr-3146	38	12	the	the	DET
fsr-3146	38	13	literature	literature	NOUN
fsr-3146	38	14	through	through	ADP
fsr-3146	38	15	models	model	NOUN
fsr-3146	38	16	that	that	PRON
fsr-3146	38	17	incorporate	incorporate	VERB
fsr-3146	38	18	habit	habit	NOUN
fsr-3146	38	19	formation	formation	NOUN
fsr-3146	38	20	.	.	PUNCT
fsr-3146	39	1	models	model	NOUN
fsr-3146	39	2	that	that	PRON
fsr-3146	39	3	incorporate	incorporate	VERB
fsr-3146	39	4	habit	habit	NOUN
fsr-3146	39	5	formation	formation	NOUN
fsr-3146	39	6	have	have	AUX
fsr-3146	39	7	been	be	AUX
fsr-3146	39	8	introduced	introduce	VERB
fsr-3146	39	9	to	to	PART
fsr-3146	39	10	provide	provide	VERB
fsr-3146	39	11	a	a	DET
fsr-3146	39	12	possible	possible	ADJ
fsr-3146	39	13	explanation	explanation	NOUN
fsr-3146	39	14	for	for	ADP
fsr-3146	39	15	one	one	NUM
fsr-3146	39	16	of	of	ADP
fsr-3146	39	17	the	the	DET
fsr-3146	39	18	factors	factor	NOUN
fsr-3146	39	19	that	that	PRON
fsr-3146	39	20	drives	drive	VERB
fsr-3146	39	21	risk	risk	NOUN
fsr-3146	39	22	tolerance	tolerance	NOUN
fsr-3146	39	23	.	.	PUNCT
fsr-3146	40	1	the	the	DET
fsr-3146	40	2	relative	relative	ADJ
fsr-3146	40	3	income	income	NOUN
fsr-3146	40	4	hypothesis	hypothesis	NOUN
fsr-3146	40	5	states	state	VERB
fsr-3146	40	6	that	that	SCONJ
fsr-3146	40	7	individuals	individual	NOUN
fsr-3146	40	8	evaluate	evaluate	VERB
fsr-3146	40	9	their	their	PRON
fsr-3146	40	10	consumption	consumption	NOUN
fsr-3146	40	11	levels	level	NOUN
fsr-3146	40	12	in	in	ADP
fsr-3146	40	13	relation	relation	NOUN
fsr-3146	40	14	to	to	ADP
fsr-3146	40	15	those	those	PRON
fsr-3146	40	16	of	of	ADP
fsr-3146	40	17	other	other	ADJ
fsr-3146	40	18	people	people	NOUN
fsr-3146	40	19	,	,	PUNCT
fsr-3146	40	20	rather	rather	ADV
fsr-3146	40	21	than	than	ADP
fsr-3146	40	22	on	on	ADP
fsr-3146	40	23	an	an	DET
fsr-3146	40	24	absolute	absolute	ADJ
fsr-3146	40	25	basis	basis	NOUN
fsr-3146	40	26	(	(	PUNCT
fsr-3146	40	27	duesenberry	duesenberry	NOUN
fsr-3146	40	28	,	,	PUNCT
fsr-3146	40	29	1949	1949	NUM
fsr-3146	40	30	)	)	PUNCT
fsr-3146	40	31	.	.	PUNCT
fsr-3146	41	1	individuals	individual	NOUN
fsr-3146	41	2	assess	assess	VERB
fsr-3146	41	3	their	their	PRON
fsr-3146	41	4	current	current	ADJ
fsr-3146	41	5	consumption	consumption	NOUN
fsr-3146	41	6	levels	level	NOUN
fsr-3146	41	7	based	base	VERB
fsr-3146	41	8	on	on	ADP
fsr-3146	41	9	a	a	DET
fsr-3146	41	10	weighted	weighted	ADJ
fsr-3146	41	11	average	average	NOUN
fsr-3146	41	12	of	of	ADP
fsr-3146	41	13	their	their	PRON
fsr-3146	41	14	relative	relative	ADJ
fsr-3146	41	15	recent	recent	ADJ
fsr-3146	41	16	past	past	ADJ
fsr-3146	41	17	consumption	consumption	NOUN
fsr-3146	41	18	under	under	ADP
fsr-3146	41	19	a	a	DET
fsr-3146	41	20	theory	theory	NOUN
fsr-3146	41	21	known	know	VERB
fsr-3146	41	22	as	as	ADP
fsr-3146	41	23	habit	habit	NOUN
fsr-3146	41	24	formation	formation	NOUN
fsr-3146	41	25	.	.	PUNCT
fsr-3146	42	1	habit	habit	NOUN
fsr-3146	42	2	preferences	preference	NOUN
fsr-3146	42	3	can	can	AUX
fsr-3146	42	4	be	be	AUX
fsr-3146	42	5	either	either	CCONJ
fsr-3146	42	6	internal	internal	ADJ
fsr-3146	42	7	or	or	CCONJ
fsr-3146	42	8	external	external	ADJ
fsr-3146	42	9	.	.	PUNCT
fsr-3146	43	1	abel	abel	PROPN
fsr-3146	43	2	(	(	PUNCT
fsr-3146	43	3	1990	1990	NUM
fsr-3146	43	4	)	)	PUNCT
fsr-3146	43	5	proposes	propose	VERB
fsr-3146	43	6	an	an	DET
fsr-3146	43	7	external	external	ADJ
fsr-3146	43	8	habit	habit	NOUN
fsr-3146	43	9	formation	formation	NOUN
fsr-3146	43	10	model	model	NOUN
fsr-3146	43	11	,	,	PUNCT
fsr-3146	43	12	which	which	PRON
fsr-3146	43	13	is	be	AUX
fsr-3146	43	14	similar	similar	ADJ
fsr-3146	43	15	to	to	PART
fsr-3146	43	16	duesenberry	duesenberry	VERB
fsr-3146	43	17	’s	’s	ADP
fsr-3146	43	18	(	(	PUNCT
fsr-3146	43	19	1949	1949	NUM
fsr-3146	43	20	)	)	PUNCT
fsr-3146	43	21	“	"	PUNCT
fsr-3146	43	22	catching	catch	VERB
fsr-3146	43	23	up	up	ADP
fsr-3146	43	24	with	with	ADP
fsr-3146	43	25	joneses	jones	NOUN
fsr-3146	43	26	”	"	PUNCT
fsr-3146	43	27	hypothesis	hypothesis	NOUN
fsr-3146	43	28	.	.	PUNCT
fsr-3146	44	1	habit	habit	ADJ
fsr-3146	44	2	formation	formation	NOUN
fsr-3146	44	3	helps	help	VERB
fsr-3146	44	4	explain	explain	VERB
fsr-3146	44	5	why	why	SCONJ
fsr-3146	44	6	the	the	DET
fsr-3146	44	7	disutility	disutility	NOUN
fsr-3146	44	8	experienced	experience	VERB
fsr-3146	44	9	during	during	ADP
fsr-3146	44	10	recessions	recession	NOUN
fsr-3146	44	11	is	be	AUX
fsr-3146	44	12	so	so	ADV
fsr-3146	44	13	severe	severe	ADJ
fsr-3146	44	14	,	,	PUNCT
fsr-3146	44	15	even	even	ADV
fsr-3146	44	16	though	though	SCONJ
fsr-3146	44	17	the	the	DET
fsr-3146	44	18	consumption	consumption	NOUN
fsr-3146	44	19	shock	shock	NOUN
fsr-3146	44	20	is	be	AUX
fsr-3146	44	21	208	208	NUM
fsr-3146	44	22	m.	m.	NOUN
fsr-3146	44	23	guillemette	guillemette	NOUN
fsr-3146	44	24	,	,	PUNCT
fsr-3146	44	25	d.	d.	PROPN
fsr-3146	44	26	nanigian	nanigian	PROPN
fsr-3146	44	27	/	/	SYM
fsr-3146	44	28	financial	financial	ADJ
fsr-3146	44	29	services	service	NOUN
fsr-3146	44	30	review	review	VERB
fsr-3146	44	31	23	23	NUM
fsr-3146	44	32	(	(	PUNCT
fsr-3146	44	33	2014	2014	NUM
fsr-3146	44	34	)	)	PUNCT
fsr-3146	45	1	207–218	207–218	NUM
fsr-3146	45	2	relatively	relatively	ADV
fsr-3146	45	3	small	small	ADJ
fsr-3146	45	4	given	give	VERB
fsr-3146	45	5	the	the	DET
fsr-3146	45	6	time	time	NOUN
fsr-3146	45	7	horizon	horizon	NOUN
fsr-3146	45	8	of	of	ADP
fsr-3146	45	9	the	the	DET
fsr-3146	45	10	lifecycle	lifecycle	NOUN
fsr-3146	45	11	(	(	PUNCT
fsr-3146	45	12	campbell	campbell	PROPN
fsr-3146	45	13	and	and	CCONJ
fsr-3146	45	14	cochrane	cochrane	PROPN
fsr-3146	45	15	,	,	PUNCT
fsr-3146	45	16	1999	1999	NUM
fsr-3146	45	17	)	)	PUNCT
fsr-3146	45	18	.	.	PUNCT
fsr-3146	46	1	habit	habit	ADJ
fsr-3146	46	2	formation	formation	NOUN
fsr-3146	46	3	implies	imply	VERB
fsr-3146	46	4	that	that	SCONJ
fsr-3146	46	5	risk	risk	NOUN
fsr-3146	46	6	aversion	aversion	NOUN
fsr-3146	46	7	is	be	AUX
fsr-3146	46	8	time	time	NOUN
fsr-3146	46	9	-	-	PUNCT
fsr-3146	46	10	varying	vary	VERB
fsr-3146	46	11	,	,	PUNCT
fsr-3146	46	12	which	which	PRON
fsr-3146	46	13	means	mean	VERB
fsr-3146	46	14	that	that	SCONJ
fsr-3146	46	15	the	the	DET
fsr-3146	46	16	optimal	optimal	ADJ
fsr-3146	46	17	allocation	allocation	NOUN
fsr-3146	46	18	of	of	ADP
fsr-3146	46	19	a	a	DET
fsr-3146	46	20	household	household	NOUN
fsr-3146	46	21	’s	’s	PART
fsr-3146	46	22	portfolio	portfolio	NOUN
fsr-3146	46	23	to	to	ADP
fsr-3146	46	24	risky	risky	ADJ
fsr-3146	46	25	assets	asset	NOUN
fsr-3146	46	26	also	also	ADV
fsr-3146	46	27	varies	vary	VERB
fsr-3146	46	28	over	over	ADP
fsr-3146	46	29	time	time	NOUN
fsr-3146	46	30	(	(	PUNCT
fsr-3146	46	31	heaton	heaton	NOUN
fsr-3146	46	32	and	and	CCONJ
fsr-3146	46	33	lucas	lucas	PROPN
fsr-3146	46	34	,	,	PUNCT
fsr-3146	46	35	2000	2000	NUM
fsr-3146	46	36	)	)	PUNCT
fsr-3146	46	37	.	.	PUNCT
fsr-3146	47	1	models	model	NOUN
fsr-3146	47	2	of	of	ADP
fsr-3146	47	3	habit	habit	ADJ
fsr-3146	47	4	formation	formation	NOUN
fsr-3146	47	5	imply	imply	VERB
fsr-3146	47	6	that	that	PRON
fsr-3146	47	7	risk	risk	NOUN
fsr-3146	47	8	aversion	aversion	NOUN
fsr-3146	47	9	varies	vary	VERB
fsr-3146	47	10	with	with	ADP
fsr-3146	47	11	short	short	ADJ
fsr-3146	47	12	-	-	PUNCT
fsr-3146	47	13	term	term	NOUN
fsr-3146	47	14	changes	change	NOUN
fsr-3146	47	15	in	in	ADP
fsr-3146	47	16	consumption	consumption	NOUN
fsr-3146	47	17	(	(	PUNCT
fsr-3146	47	18	campbell	campbell	PROPN
fsr-3146	47	19	and	and	CCONJ
fsr-3146	47	20	cochrane	cochrane	PROPN
fsr-3146	47	21	,	,	PUNCT
fsr-3146	47	22	1999	1999	NUM
fsr-3146	47	23	)	)	PUNCT
fsr-3146	47	24	.	.	PUNCT
fsr-3146	48	1	constantinides	constantinide	VERB
fsr-3146	48	2	(	(	PUNCT
fsr-3146	48	3	1990	1990	NUM
fsr-3146	48	4	)	)	PUNCT
fsr-3146	48	5	claims	claim	VERB
fsr-3146	48	6	that	that	SCONJ
fsr-3146	48	7	the	the	DET
fsr-3146	48	8	equity	equity	NOUN
fsr-3146	48	9	premium	premium	NOUN
fsr-3146	48	10	can	can	AUX
fsr-3146	48	11	be	be	AUX
fsr-3146	48	12	explained	explain	VERB
fsr-3146	48	13	in	in	ADP
fsr-3146	48	14	a	a	DET
fsr-3146	48	15	rational	rational	ADJ
fsr-3146	48	16	expectations	expectation	NOUN
fsr-3146	48	17	model	model	NOUN
fsr-3146	48	18	using	use	VERB
fsr-3146	48	19	habit	habit	NOUN
fsr-3146	48	20	preferences	preference	NOUN
fsr-3146	48	21	.	.	PUNCT
fsr-3146	49	1	mehra	mehra	PROPN
fsr-3146	49	2	and	and	CCONJ
fsr-3146	49	3	prescott	prescott	PROPN
fsr-3146	49	4	(	(	PUNCT
fsr-3146	49	5	2003	2003	NUM
fsr-3146	49	6	)	)	PUNCT
fsr-3146	49	7	state	state	NOUN
fsr-3146	49	8	that	that	PRON
fsr-3146	49	9	habit	habit	NOUN
fsr-3146	49	10	preferences	preference	NOUN
fsr-3146	49	11	can	can	AUX
fsr-3146	49	12	not	not	PART
fsr-3146	49	13	resolve	resolve	VERB
fsr-3146	49	14	the	the	DET
fsr-3146	49	15	equity	equity	NOUN
fsr-3146	49	16	premium	premium	NOUN
fsr-3146	49	17	because	because	SCONJ
fsr-3146	49	18	it	it	PRON
fsr-3146	49	19	results	result	VERB
fsr-3146	49	20	in	in	ADP
fsr-3146	49	21	extreme	extreme	ADJ
fsr-3146	49	22	aversion	aversion	NOUN
fsr-3146	49	23	to	to	ADP
fsr-3146	49	24	consumption	consumption	NOUN
fsr-3146	49	25	risk	risk	NOUN
fsr-3146	49	26	.	.	PUNCT
fsr-3146	50	1	they	they	PRON
fsr-3146	50	2	also	also	ADV
fsr-3146	50	3	question	question	VERB
fsr-3146	50	4	whether	whether	SCONJ
fsr-3146	50	5	individuals	individual	NOUN
fsr-3146	50	6	actually	actually	ADV
fsr-3146	50	7	have	have	VERB
fsr-3146	50	8	significant	significant	ADJ
fsr-3146	50	9	timevarying	timevarye	VERB
fsr-3146	50	10	countercyclical	countercyclical	ADJ
fsr-3146	50	11	changes	change	NOUN
fsr-3146	50	12	in	in	ADP
fsr-3146	50	13	relative	relative	ADJ
fsr-3146	50	14	risk	risk	NOUN
fsr-3146	50	15	aversion	aversion	NOUN
fsr-3146	50	16	(	(	PUNCT
fsr-3146	50	17	rra	rra	NOUN
fsr-3146	50	18	)	)	PUNCT
fsr-3146	50	19	that	that	PRON
fsr-3146	50	20	is	be	AUX
fsr-3146	50	21	implied	imply	VERB
fsr-3146	50	22	by	by	ADP
fsr-3146	50	23	habit	habit	NOUN
fsr-3146	50	24	formation	formation	NOUN
fsr-3146	50	25	models	model	NOUN
fsr-3146	50	26	,	,	PUNCT
fsr-3146	50	27	such	such	ADJ
fsr-3146	50	28	as	as	ADP
fsr-3146	50	29	the	the	DET
fsr-3146	50	30	one	one	NOUN
fsr-3146	50	31	developed	develop	VERB
fsr-3146	50	32	by	by	ADP
fsr-3146	50	33	campbell	campbell	PROPN
fsr-3146	50	34	and	and	CCONJ
fsr-3146	50	35	cochrane	cochrane	PROPN
fsr-3146	50	36	(	(	PUNCT
fsr-3146	50	37	1999	1999	NUM
fsr-3146	50	38	)	)	PUNCT
fsr-3146	50	39	.	.	PUNCT
fsr-3146	51	1	habit	habit	NOUN
fsr-3146	51	2	preferences	preference	NOUN
fsr-3146	51	3	can	can	AUX
fsr-3146	51	4	explain	explain	VERB
fsr-3146	51	5	the	the	DET
fsr-3146	51	6	difference	difference	NOUN
fsr-3146	51	7	between	between	ADP
fsr-3146	51	8	the	the	DET
fsr-3146	51	9	historically	historically	ADV
fsr-3146	51	10	low	low	ADJ
fsr-3146	51	11	real	real	ADJ
fsr-3146	51	12	returns	return	NOUN
fsr-3146	51	13	of	of	ADP
fsr-3146	51	14	treasury	treasury	PROPN
fsr-3146	51	15	securities	security	NOUN
fsr-3146	51	16	compared	compare	VERB
fsr-3146	51	17	with	with	ADP
fsr-3146	51	18	stocks	stock	NOUN
fsr-3146	51	19	because	because	SCONJ
fsr-3146	51	20	increased	increase	VERB
fsr-3146	51	21	risk	risk	NOUN
fsr-3146	51	22	aversion	aversion	NOUN
fsr-3146	51	23	increases	increase	VERB
fsr-3146	51	24	the	the	DET
fsr-3146	51	25	quantity	quantity	NOUN
fsr-3146	51	26	demanded	demand	VERB
fsr-3146	51	27	for	for	ADP
fsr-3146	51	28	treasury	treasury	PROPN
fsr-3146	51	29	securities	security	NOUN
fsr-3146	51	30	,	,	PUNCT
fsr-3146	51	31	which	which	PRON
fsr-3146	51	32	drives	drive	VERB
fsr-3146	51	33	down	down	ADP
fsr-3146	51	34	the	the	DET
fsr-3146	51	35	risk	risk	NOUN
fsr-3146	51	36	free	free	ADJ
fsr-3146	51	37	rate	rate	NOUN
fsr-3146	51	38	(	(	PUNCT
fsr-3146	51	39	weil	weil	PROPN
fsr-3146	51	40	,	,	PUNCT
fsr-3146	51	41	1989	1989	NUM
fsr-3146	51	42	)	)	PUNCT
fsr-3146	51	43	.	.	PUNCT
fsr-3146	52	1	studies	study	NOUN
fsr-3146	52	2	in	in	ADP
fsr-3146	52	3	behavioral	behavioral	ADJ
fsr-3146	52	4	finance	finance	NOUN
fsr-3146	52	5	attempt	attempt	NOUN
fsr-3146	52	6	to	to	PART
fsr-3146	52	7	explain	explain	VERB
fsr-3146	52	8	variation	variation	NOUN
fsr-3146	52	9	in	in	ADP
fsr-3146	52	10	risk	risk	NOUN
fsr-3146	52	11	tolerance	tolerance	NOUN
fsr-3146	52	12	using	use	VERB
fsr-3146	52	13	prospect	prospect	NOUN
fsr-3146	52	14	theory	theory	NOUN
fsr-3146	52	15	.	.	PUNCT
fsr-3146	53	1	prospect	prospect	NOUN
fsr-3146	53	2	theory	theory	NOUN
fsr-3146	53	3	states	state	VERB
fsr-3146	53	4	that	that	SCONJ
fsr-3146	53	5	individuals	individual	NOUN
fsr-3146	53	6	evaluate	evaluate	VERB
fsr-3146	53	7	gains	gain	NOUN
fsr-3146	53	8	and	and	CCONJ
fsr-3146	53	9	losses	loss	NOUN
fsr-3146	53	10	from	from	ADP
fsr-3146	53	11	a	a	DET
fsr-3146	53	12	reference	reference	NOUN
fsr-3146	53	13	point	point	NOUN
fsr-3146	53	14	and	and	CCONJ
fsr-3146	53	15	describes	describe	VERB
fsr-3146	53	16	the	the	DET
fsr-3146	53	17	utility	utility	NOUN
fsr-3146	53	18	function	function	NOUN
fsr-3146	53	19	as	as	ADP
fsr-3146	53	20	being	be	AUX
fsr-3146	53	21	steeper	steep	ADJ
fsr-3146	53	22	in	in	ADP
fsr-3146	53	23	the	the	DET
fsr-3146	53	24	loss	loss	NOUN
fsr-3146	53	25	domain	domain	NOUN
fsr-3146	53	26	compared	compare	VERB
fsr-3146	53	27	with	with	ADP
fsr-3146	53	28	the	the	DET
fsr-3146	53	29	gain	gain	NOUN
fsr-3146	53	30	domain	domain	NOUN
fsr-3146	53	31	(	(	PUNCT
fsr-3146	53	32	kahneman	kahneman	NOUN
fsr-3146	53	33	and	and	CCONJ
fsr-3146	53	34	tversky	tversky	ADJ
fsr-3146	53	35	,	,	PUNCT
fsr-3146	53	36	1979	1979	NUM
fsr-3146	53	37	)	)	PUNCT
fsr-3146	53	38	.	.	PUNCT
fsr-3146	54	1	benartzi	benartzi	NOUN
fsr-3146	54	2	and	and	CCONJ
fsr-3146	54	3	thaler	thaler	NOUN
fsr-3146	54	4	(	(	PUNCT
fsr-3146	54	5	1995	1995	NUM
fsr-3146	54	6	)	)	PUNCT
fsr-3146	54	7	find	find	VERB
fsr-3146	54	8	that	that	SCONJ
fsr-3146	54	9	the	the	DET
fsr-3146	54	10	historical	historical	ADJ
fsr-3146	54	11	equity	equity	NOUN
fsr-3146	54	12	premium	premium	NOUN
fsr-3146	54	13	can	can	AUX
fsr-3146	54	14	be	be	AUX
fsr-3146	54	15	explained	explain	VERB
fsr-3146	54	16	if	if	SCONJ
fsr-3146	54	17	investors	investor	NOUN
fsr-3146	54	18	are	be	AUX
fsr-3146	54	19	loss	loss	NOUN
fsr-3146	54	20	averse	averse	ADJ
fsr-3146	54	21	and	and	CCONJ
fsr-3146	54	22	myopic	myopic	ADJ
fsr-3146	54	23	.	.	PUNCT
fsr-3146	55	1	thaler	thaler	PROPN
fsr-3146	55	2	and	and	CCONJ
fsr-3146	55	3	johnson	johnson	PROPN
fsr-3146	55	4	(	(	PUNCT
fsr-3146	55	5	1990	1990	NUM
fsr-3146	55	6	)	)	PUNCT
fsr-3146	55	7	find	find	VERB
fsr-3146	55	8	that	that	SCONJ
fsr-3146	55	9	individuals	individual	NOUN
fsr-3146	55	10	experience	experience	VERB
fsr-3146	55	11	less	less	ADJ
fsr-3146	55	12	disutility	disutility	NOUN
fsr-3146	55	13	from	from	ADP
fsr-3146	55	14	losses	loss	NOUN
fsr-3146	55	15	after	after	ADP
fsr-3146	55	16	a	a	DET
fsr-3146	55	17	prior	prior	ADJ
fsr-3146	55	18	gain	gain	NOUN
fsr-3146	55	19	and	and	CCONJ
fsr-3146	55	20	greater	great	ADJ
fsr-3146	55	21	disutility	disutility	NOUN
fsr-3146	55	22	after	after	ADP
fsr-3146	55	23	a	a	DET
fsr-3146	55	24	prior	prior	ADJ
fsr-3146	55	25	loss	loss	NOUN
fsr-3146	55	26	.	.	PUNCT
fsr-3146	56	1	therefore	therefore	ADV
fsr-3146	56	2	,	,	PUNCT
fsr-3146	56	3	models	model	NOUN
fsr-3146	56	4	that	that	PRON
fsr-3146	56	5	incorporate	incorporate	VERB
fsr-3146	56	6	loss	loss	NOUN
fsr-3146	56	7	aversion	aversion	NOUN
fsr-3146	56	8	should	should	AUX
fsr-3146	56	9	decrease	decrease	VERB
fsr-3146	56	10	an	an	DET
fsr-3146	56	11	individual	individual	NOUN
fsr-3146	56	12	’s	’s	PART
fsr-3146	56	13	coefficient	coefficient	NOUN
fsr-3146	56	14	of	of	ADP
fsr-3146	56	15	loss	loss	NOUN
fsr-3146	56	16	aversion	aversion	NOUN
fsr-3146	56	17	,	,	PUNCT
fsr-3146	56	18	�	�	PROPN
fsr-3146	56	19	,	,	PUNCT
fsr-3146	56	20	after	after	ADP
fsr-3146	56	21	prior	prior	ADJ
fsr-3146	56	22	losses	loss	NOUN
fsr-3146	56	23	and	and	CCONJ
fsr-3146	56	24	increase	increase	VERB
fsr-3146	56	25	it	it	PRON
fsr-3146	56	26	after	after	ADP
fsr-3146	56	27	prior	prior	ADJ
fsr-3146	56	28	gains	gain	NOUN
fsr-3146	56	29	.	.	PUNCT
fsr-3146	57	1	it	it	PRON
fsr-3146	57	2	is	be	AUX
fsr-3146	57	3	important	important	ADJ
fsr-3146	57	4	to	to	PART
fsr-3146	57	5	note	note	VERB
fsr-3146	57	6	that	that	SCONJ
fsr-3146	57	7	the	the	DET
fsr-3146	57	8	more	more	ADV
fsr-3146	57	9	negative	negative	ADJ
fsr-3146	57	10	�	�	PROPN
fsr-3146	57	11	is	be	AUX
fsr-3146	57	12	,	,	PUNCT
fsr-3146	57	13	the	the	PRON
fsr-3146	57	14	more	more	ADJ
fsr-3146	57	15	someone	someone	PRON
fsr-3146	57	16	overweighs	overweigh	VERB
fsr-3146	57	17	losses	loss	NOUN
fsr-3146	57	18	compared	compare	VERB
fsr-3146	57	19	with	with	ADP
fsr-3146	57	20	equivalent	equivalent	ADJ
fsr-3146	57	21	gains	gain	NOUN
fsr-3146	57	22	.	.	PUNCT
fsr-3146	58	1	the	the	DET
fsr-3146	58	2	empirical	empirical	ADJ
fsr-3146	58	3	finding	finding	NOUN
fsr-3146	58	4	of	of	ADP
fsr-3146	58	5	thaler	thaler	NOUN
fsr-3146	58	6	and	and	CCONJ
fsr-3146	58	7	johnson	johnson	PROPN
fsr-3146	58	8	(	(	PUNCT
fsr-3146	58	9	1990	1990	NUM
fsr-3146	58	10	)	)	PUNCT
fsr-3146	58	11	implies	imply	VERB
fsr-3146	58	12	that	that	SCONJ
fsr-3146	58	13	risk	risk	NOUN
fsr-3146	58	14	aversion	aversion	NOUN
fsr-3146	58	15	is	be	AUX
fsr-3146	58	16	timevarying	timevarye	VERB
fsr-3146	58	17	.	.	PUNCT
fsr-3146	59	1	after	after	ADP
fsr-3146	59	2	experiencing	experience	VERB
fsr-3146	59	3	prior	prior	ADJ
fsr-3146	59	4	financial	financial	ADJ
fsr-3146	59	5	gains	gain	NOUN
fsr-3146	59	6	,	,	PUNCT
fsr-3146	59	7	individuals	individual	NOUN
fsr-3146	59	8	should	should	AUX
fsr-3146	59	9	become	become	VERB
fsr-3146	59	10	less	less	ADJ
fsr-3146	59	11	risk	risk	NOUN
fsr-3146	59	12	averse	averse	ADJ
fsr-3146	59	13	because	because	SCONJ
fsr-3146	59	14	prior	prior	ADJ
fsr-3146	59	15	gains	gain	NOUN
fsr-3146	59	16	will	will	AUX
fsr-3146	59	17	protect	protect	VERB
fsr-3146	59	18	them	they	PRON
fsr-3146	59	19	from	from	ADP
fsr-3146	59	20	subsequent	subsequent	ADJ
fsr-3146	59	21	losses	loss	NOUN
fsr-3146	59	22	.	.	PUNCT
fsr-3146	60	1	after	after	ADP
fsr-3146	60	2	experiencing	experience	VERB
fsr-3146	60	3	prior	prior	ADJ
fsr-3146	60	4	losses	loss	NOUN
fsr-3146	60	5	,	,	PUNCT
fsr-3146	60	6	current	current	ADJ
fsr-3146	60	7	losses	loss	NOUN
fsr-3146	60	8	should	should	AUX
fsr-3146	60	9	make	make	VERB
fsr-3146	60	10	individuals	individual	NOUN
fsr-3146	60	11	more	more	ADJ
fsr-3146	60	12	risk	risk	NOUN
fsr-3146	60	13	averse	averse	ADJ
fsr-3146	60	14	.	.	PUNCT
fsr-3146	61	1	barberis	barberis	PROPN
fsr-3146	61	2	,	,	PUNCT
fsr-3146	61	3	huang	huang	PROPN
fsr-3146	61	4	,	,	PUNCT
fsr-3146	61	5	and	and	CCONJ
fsr-3146	61	6	santos	santos	PROPN
fsr-3146	61	7	(	(	PUNCT
fsr-3146	61	8	2001	2001	NUM
fsr-3146	61	9	)	)	PUNCT
fsr-3146	61	10	study	study	NOUN
fsr-3146	61	11	asset	asset	NOUN
fsr-3146	61	12	prices	price	NOUN
fsr-3146	61	13	by	by	ADP
fsr-3146	61	14	incorporating	incorporate	VERB
fsr-3146	61	15	the	the	DET
fsr-3146	61	16	findings	finding	NOUN
fsr-3146	61	17	of	of	ADP
fsr-3146	61	18	kahneman	kahneman	NOUN
fsr-3146	61	19	and	and	CCONJ
fsr-3146	61	20	tversky	tversky	PROPN
fsr-3146	61	21	(	(	PUNCT
fsr-3146	61	22	1979	1979	NUM
fsr-3146	61	23	)	)	PUNCT
fsr-3146	61	24	and	and	CCONJ
fsr-3146	61	25	thaler	thaler	NOUN
fsr-3146	61	26	and	and	CCONJ
fsr-3146	61	27	johnson	johnson	PROPN
fsr-3146	61	28	(	(	PUNCT
fsr-3146	61	29	1990	1990	NUM
fsr-3146	61	30	)	)	PUNCT
fsr-3146	61	31	.	.	PUNCT
fsr-3146	62	1	they	they	PRON
fsr-3146	62	2	find	find	VERB
fsr-3146	62	3	that	that	SCONJ
fsr-3146	62	4	individuals	individual	NOUN
fsr-3146	62	5	are	be	AUX
fsr-3146	62	6	loss	loss	NOUN
fsr-3146	62	7	averse	averse	ADJ
fsr-3146	62	8	from	from	ADP
fsr-3146	62	9	fluctuations	fluctuation	NOUN
fsr-3146	62	10	in	in	ADP
fsr-3146	62	11	consumption	consumption	NOUN
fsr-3146	62	12	and	and	CCONJ
fsr-3146	62	13	that	that	SCONJ
fsr-3146	62	14	�	�	PROPN
fsr-3146	62	15	is	be	AUX
fsr-3146	62	16	dependent	dependent	ADJ
fsr-3146	62	17	on	on	ADP
fsr-3146	62	18	previous	previous	ADJ
fsr-3146	62	19	investment	investment	NOUN
fsr-3146	62	20	returns	return	NOUN
fsr-3146	62	21	.	.	PUNCT
fsr-3146	63	1	their	their	PRON
fsr-3146	63	2	framework	framework	NOUN
fsr-3146	63	3	helps	help	VERB
fsr-3146	63	4	explain	explain	VERB
fsr-3146	63	5	the	the	DET
fsr-3146	63	6	high	high	ADJ
fsr-3146	63	7	historical	historical	ADJ
fsr-3146	63	8	equity	equity	NOUN
fsr-3146	63	9	premium	premium	NOUN
fsr-3146	63	10	,	,	PUNCT
fsr-3146	63	11	the	the	DET
fsr-3146	63	12	low	low	ADJ
fsr-3146	63	13	correlation	correlation	NOUN
fsr-3146	63	14	between	between	ADP
fsr-3146	63	15	stock	stock	NOUN
fsr-3146	63	16	returns	return	NOUN
fsr-3146	63	17	and	and	CCONJ
fsr-3146	63	18	consumption	consumption	NOUN
fsr-3146	63	19	growth	growth	NOUN
fsr-3146	63	20	and	and	CCONJ
fsr-3146	63	21	the	the	DET
fsr-3146	63	22	excess	excess	ADJ
fsr-3146	63	23	volatility	volatility	NOUN
fsr-3146	63	24	and	and	CCONJ
fsr-3146	63	25	predictability	predictability	NOUN
fsr-3146	63	26	of	of	ADP
fsr-3146	63	27	equity	equity	NOUN
fsr-3146	63	28	returns	return	NOUN
fsr-3146	63	29	.	.	PUNCT
fsr-3146	64	1	investor	investor	NOUN
fsr-3146	64	2	sentiment	sentiment	NOUN
fsr-3146	64	3	is	be	AUX
fsr-3146	64	4	another	another	DET
fsr-3146	64	5	factor	factor	NOUN
fsr-3146	64	6	that	that	PRON
fsr-3146	64	7	may	may	AUX
fsr-3146	64	8	help	help	VERB
fsr-3146	64	9	explain	explain	VERB
fsr-3146	64	10	variation	variation	NOUN
fsr-3146	64	11	in	in	ADP
fsr-3146	64	12	risk	risk	NOUN
fsr-3146	64	13	tolerance	tolerance	NOUN
fsr-3146	64	14	.	.	PUNCT
fsr-3146	65	1	the	the	DET
fsr-3146	65	2	closed	close	VERB
fsr-3146	65	3	-	-	PUNCT
fsr-3146	65	4	end	end	NOUN
fsr-3146	65	5	fund	fund	NOUN
fsr-3146	65	6	discount	discount	NOUN
fsr-3146	65	7	is	be	AUX
fsr-3146	65	8	one	one	NUM
fsr-3146	65	9	proxy	proxy	NOUN
fsr-3146	65	10	for	for	ADP
fsr-3146	65	11	investor	investor	NOUN
fsr-3146	65	12	sentiment	sentiment	NOUN
fsr-3146	65	13	(	(	PUNCT
fsr-3146	65	14	lee	lee	PROPN
fsr-3146	65	15	,	,	PUNCT
fsr-3146	65	16	shleifer	shleifer	VERB
fsr-3146	65	17	,	,	PUNCT
fsr-3146	65	18	and	and	CCONJ
fsr-3146	65	19	thaler	thaler	NOUN
fsr-3146	65	20	,	,	PUNCT
fsr-3146	65	21	1991	1991	NUM
fsr-3146	65	22	;	;	PUNCT
fsr-3146	65	23	baker	baker	NOUN
fsr-3146	65	24	and	and	CCONJ
fsr-3146	65	25	wurgler	wurgler	NOUN
fsr-3146	65	26	,	,	PUNCT
fsr-3146	65	27	2006	2006	NUM
fsr-3146	65	28	;	;	PUNCT
fsr-3146	65	29	baker	baker	PROPN
fsr-3146	65	30	and	and	CCONJ
fsr-3146	65	31	wurgler	wurgler	NOUN
fsr-3146	65	32	,	,	PUNCT
fsr-3146	65	33	2007	2007	NUM
fsr-3146	65	34	)	)	PUNCT
fsr-3146	65	35	.	.	PUNCT
fsr-3146	66	1	when	when	SCONJ
fsr-3146	66	2	closed	close	VERB
fsr-3146	66	3	-	-	PUNCT
fsr-3146	66	4	end	end	NOUN
fsr-3146	66	5	funds	fund	NOUN
fsr-3146	66	6	are	be	AUX
fsr-3146	66	7	less	less	ADV
fsr-3146	66	8	discounted	discount	VERB
fsr-3146	66	9	or	or	CCONJ
fsr-3146	66	10	are	be	AUX
fsr-3146	66	11	priced	price	VERB
fsr-3146	66	12	above	above	ADP
fsr-3146	66	13	net	net	ADJ
fsr-3146	66	14	asset	asset	NOUN
fsr-3146	66	15	value	value	NOUN
fsr-3146	66	16	(	(	PUNCT
fsr-3146	66	17	nav	nav	NOUN
fsr-3146	66	18	)	)	PUNCT
fsr-3146	66	19	investors	investor	NOUN
fsr-3146	66	20	may	may	AUX
fsr-3146	66	21	be	be	AUX
fsr-3146	66	22	optimistic	optimistic	ADJ
fsr-3146	66	23	about	about	ADP
fsr-3146	66	24	future	future	ADJ
fsr-3146	66	25	returns	return	NOUN
fsr-3146	66	26	(	(	PUNCT
fsr-3146	66	27	lee	lee	PROPN
fsr-3146	66	28	,	,	PUNCT
fsr-3146	66	29	shleifer	shleifer	VERB
fsr-3146	66	30	,	,	PUNCT
fsr-3146	66	31	and	and	CCONJ
fsr-3146	66	32	thaler	thaler	NOUN
fsr-3146	66	33	,	,	PUNCT
fsr-3146	66	34	1991	1991	NUM
fsr-3146	66	35	)	)	PUNCT
fsr-3146	66	36	.	.	PUNCT
fsr-3146	67	1	during	during	ADP
fsr-3146	67	2	periods	period	NOUN
fsr-3146	67	3	of	of	ADP
fsr-3146	67	4	high	high	ADJ
fsr-3146	67	5	sentiment	sentiment	NOUN
fsr-3146	67	6	equity	equity	NOUN
fsr-3146	67	7	prices	price	NOUN
fsr-3146	67	8	mean	mean	VERB
fsr-3146	67	9	revert	revert	ADJ
fsr-3146	67	10	,	,	PUNCT
fsr-3146	67	11	resulting	result	VERB
fsr-3146	67	12	in	in	ADP
fsr-3146	67	13	lower	low	ADJ
fsr-3146	67	14	future	future	ADJ
fsr-3146	67	15	returns	return	NOUN
fsr-3146	67	16	.	.	PUNCT
fsr-3146	68	1	poterba	poterba	NOUN
fsr-3146	68	2	and	and	CCONJ
fsr-3146	68	3	summers	summer	NOUN
fsr-3146	68	4	(	(	PUNCT
fsr-3146	68	5	1988	1988	NUM
fsr-3146	68	6	)	)	PUNCT
fsr-3146	68	7	find	find	VERB
fsr-3146	68	8	evidence	evidence	NOUN
fsr-3146	68	9	of	of	ADP
fsr-3146	68	10	mean	mean	ADJ
fsr-3146	68	11	reversion	reversion	NOUN
fsr-3146	68	12	in	in	ADP
fsr-3146	68	13	stock	stock	NOUN
fsr-3146	68	14	returns	return	NOUN
fsr-3146	68	15	and	and	CCONJ
fsr-3146	68	16	state	state	NOUN
fsr-3146	68	17	that	that	SCONJ
fsr-3146	68	18	one	one	NUM
fsr-3146	68	19	of	of	ADP
fsr-3146	68	20	the	the	DET
fsr-3146	68	21	possible	possible	ADJ
fsr-3146	68	22	explanations	explanation	NOUN
fsr-3146	68	23	is	be	AUX
fsr-3146	68	24	“	"	PUNCT
fsr-3146	68	25	price	price	NOUN
fsr-3146	68	26	fads	fad	NOUN
fsr-3146	68	27	”	"	PUNCT
fsr-3146	68	28	that	that	PRON
fsr-3146	68	29	cause	cause	VERB
fsr-3146	68	30	equity	equity	NOUN
fsr-3146	68	31	prices	price	NOUN
fsr-3146	68	32	to	to	PART
fsr-3146	68	33	deviate	deviate	VERB
fsr-3146	68	34	from	from	ADP
fsr-3146	68	35	fundamental	fundamental	ADJ
fsr-3146	68	36	values	value	NOUN
fsr-3146	68	37	.	.	PUNCT
fsr-3146	69	1	the	the	DET
fsr-3146	69	2	findings	finding	NOUN
fsr-3146	69	3	of	of	ADP
fsr-3146	69	4	thaler	thaler	PROPN
fsr-3146	69	5	and	and	CCONJ
fsr-3146	69	6	johnson	johnson	PROPN
fsr-3146	69	7	(	(	PUNCT
fsr-3146	69	8	1990	1990	NUM
fsr-3146	69	9	)	)	PUNCT
fsr-3146	69	10	imply	imply	VERB
fsr-3146	69	11	that	that	SCONJ
fsr-3146	69	12	when	when	SCONJ
fsr-3146	69	13	closed	close	VERB
fsr-3146	69	14	-	-	PUNCT
fsr-3146	69	15	end	end	NOUN
fsr-3146	69	16	funds	fund	NOUN
fsr-3146	69	17	trade	trade	VERB
fsr-3146	69	18	at	at	ADP
fsr-3146	69	19	a	a	DET
fsr-3146	69	20	significant	significant	ADJ
fsr-3146	69	21	premium	premium	NOUN
fsr-3146	69	22	to	to	AUX
fsr-3146	69	23	nav	nav	NOUN
fsr-3146	69	24	investors	investor	NOUN
fsr-3146	69	25	have	have	AUX
fsr-3146	69	26	become	become	VERB
fsr-3146	69	27	less	less	ADJ
fsr-3146	69	28	risk	risk	NOUN
fsr-3146	69	29	averse	averse	ADJ
fsr-3146	69	30	.	.	PUNCT
fsr-3146	70	1	investor	investor	NOUN
fsr-3146	70	2	sentiment	sentiment	NOUN
fsr-3146	70	3	helps	help	VERB
fsr-3146	70	4	explain	explain	VERB
fsr-3146	70	5	why	why	SCONJ
fsr-3146	70	6	risk	risk	NOUN
fsr-3146	70	7	aversion	aversion	NOUN
fsr-3146	70	8	decreases	decrease	VERB
fsr-3146	70	9	during	during	ADP
fsr-3146	70	10	high	high	ADJ
fsr-3146	70	11	sentiment	sentiment	NOUN
fsr-3146	70	12	periods	period	NOUN
fsr-3146	70	13	.	.	PUNCT
fsr-3146	71	1	209	209	NUM
fsr-3146	71	2	m.	m.	NOUN
fsr-3146	71	3	guillemette	guillemette	NOUN
fsr-3146	71	4	,	,	PUNCT
fsr-3146	71	5	d.	d.	PROPN
fsr-3146	71	6	nanigian	nanigian	PROPN
fsr-3146	71	7	/	/	SYM
fsr-3146	71	8	financial	financial	ADJ
fsr-3146	71	9	services	service	NOUN
fsr-3146	71	10	review	review	VERB
fsr-3146	71	11	23	23	NUM
fsr-3146	71	12	(	(	PUNCT
fsr-3146	71	13	2014	2014	NUM
fsr-3146	71	14	)	)	PUNCT
fsr-3146	71	15	207–218	207–218	NUM
fsr-3146	71	16	other	other	ADJ
fsr-3146	71	17	proxies	proxy	NOUN
fsr-3146	71	18	for	for	ADP
fsr-3146	71	19	investor	investor	NOUN
fsr-3146	71	20	sentiment	sentiment	NOUN
fsr-3146	71	21	include	include	VERB
fsr-3146	71	22	average	average	ADJ
fsr-3146	71	23	stock	stock	NOUN
fsr-3146	71	24	turnover	turnover	NOUN
fsr-3146	71	25	,	,	PUNCT
fsr-3146	71	26	trading	trading	NOUN
fsr-3146	71	27	volume	volume	NOUN
fsr-3146	71	28	,	,	PUNCT
fsr-3146	71	29	number	number	NOUN
fsr-3146	71	30	of	of	ADP
fsr-3146	71	31	ipos	ipos	NOUN
fsr-3146	71	32	,	,	PUNCT
fsr-3146	71	33	first	first	ADJ
fsr-3146	71	34	-	-	PUNCT
fsr-3146	71	35	day	day	NOUN
fsr-3146	71	36	ipo	ipo	NOUN
fsr-3146	71	37	closing	closing	NOUN
fsr-3146	71	38	prices	price	NOUN
fsr-3146	71	39	,	,	PUNCT
fsr-3146	71	40	the	the	DET
fsr-3146	71	41	demand	demand	NOUN
fsr-3146	71	42	for	for	ADP
fsr-3146	71	43	dividend	dividend	NOUN
fsr-3146	71	44	paying	pay	VERB
fsr-3146	71	45	stocks	stock	NOUN
fsr-3146	71	46	,	,	PUNCT
fsr-3146	71	47	and	and	CCONJ
fsr-3146	71	48	the	the	DET
fsr-3146	71	49	equity	equity	NOUN
fsr-3146	71	50	-	-	PUNCT
fsr-3146	71	51	to	to	ADP
fsr-3146	71	52	-	-	PUNCT
fsr-3146	71	53	debt	debt	NOUN
fsr-3146	71	54	-	-	PUNCT
fsr-3146	71	55	issue	issue	NOUN
fsr-3146	71	56	ratio	ratio	NOUN
fsr-3146	71	57	.	.	PUNCT
fsr-3146	72	1	when	when	SCONJ
fsr-3146	72	2	noise	noise	NOUN
fsr-3146	72	3	traders	trader	NOUN
fsr-3146	72	4	are	be	AUX
fsr-3146	72	5	optimistic	optimistic	ADJ
fsr-3146	72	6	,	,	PUNCT
fsr-3146	72	7	there	there	PRON
fsr-3146	72	8	is	be	VERB
fsr-3146	72	9	greater	great	ADJ
fsr-3146	72	10	stock	stock	NOUN
fsr-3146	72	11	turnover	turnover	NOUN
fsr-3146	72	12	,	,	PUNCT
fsr-3146	72	13	which	which	PRON
fsr-3146	72	14	increases	increase	VERB
fsr-3146	72	15	liquidity	liquidity	NOUN
fsr-3146	72	16	.	.	PUNCT
fsr-3146	73	1	trading	trading	NOUN
fsr-3146	73	2	volume	volume	NOUN
fsr-3146	73	3	is	be	AUX
fsr-3146	73	4	a	a	DET
fsr-3146	73	5	signal	signal	NOUN
fsr-3146	73	6	that	that	SCONJ
fsr-3146	73	7	investors	investor	NOUN
fsr-3146	73	8	have	have	AUX
fsr-3146	73	9	heterogeneous	heterogeneous	ADJ
fsr-3146	73	10	beliefs	belief	NOUN
fsr-3146	73	11	and	and	CCONJ
fsr-3146	73	12	differ	differ	VERB
fsr-3146	73	13	in	in	ADP
fsr-3146	73	14	their	their	PRON
fsr-3146	73	15	evaluations	evaluation	NOUN
fsr-3146	73	16	of	of	ADP
fsr-3146	73	17	equity	equity	NOUN
fsr-3146	73	18	prices	price	NOUN
fsr-3146	73	19	(	(	PUNCT
fsr-3146	73	20	hong	hong	PROPN
fsr-3146	73	21	,	,	PUNCT
fsr-3146	73	22	scheinkman	scheinkman	NOUN
fsr-3146	73	23	,	,	PUNCT
fsr-3146	73	24	and	and	CCONJ
fsr-3146	73	25	xiong	xiong	PROPN
fsr-3146	73	26	,	,	PUNCT
fsr-3146	73	27	2006).1	2006).1	NUM
fsr-3146	73	28	lowry	lowry	NOUN
fsr-3146	73	29	and	and	CCONJ
fsr-3146	73	30	schwert	schwert	PROPN
fsr-3146	73	31	(	(	PUNCT
fsr-3146	73	32	2002	2002	NUM
fsr-3146	73	33	)	)	PUNCT
fsr-3146	73	34	state	state	NOUN
fsr-3146	73	35	that	that	SCONJ
fsr-3146	73	36	ipos	ipos	NOUN
fsr-3146	73	37	tend	tend	VERB
fsr-3146	73	38	to	to	PART
fsr-3146	73	39	be	be	AUX
fsr-3146	73	40	held	hold	VERB
fsr-3146	73	41	when	when	SCONJ
fsr-3146	73	42	investors	investor	NOUN
fsr-3146	73	43	are	be	AUX
fsr-3146	73	44	optimistic	optimistic	ADJ
fsr-3146	73	45	and	and	CCONJ
fsr-3146	73	46	are	be	AUX
fsr-3146	73	47	,	,	PUNCT
fsr-3146	73	48	therefore	therefore	ADV
fsr-3146	73	49	,	,	PUNCT
fsr-3146	73	50	willing	willing	ADJ
fsr-3146	73	51	to	to	PART
fsr-3146	73	52	pay	pay	VERB
fsr-3146	73	53	an	an	DET
fsr-3146	73	54	inflated	inflated	ADJ
fsr-3146	73	55	price	price	NOUN
fsr-3146	73	56	.	.	PUNCT
fsr-3146	74	1	cornelli	cornelli	PROPN
fsr-3146	74	2	,	,	PUNCT
fsr-3146	74	3	goldreich	goldreich	ADJ
fsr-3146	74	4	,	,	PUNCT
fsr-3146	74	5	and	and	CCONJ
fsr-3146	74	6	ljungqvist	ljungqvist	NOUN
fsr-3146	74	7	(	(	PUNCT
fsr-3146	74	8	2006	2006	NUM
fsr-3146	74	9	)	)	PUNCT
fsr-3146	74	10	find	find	VERB
fsr-3146	74	11	that	that	SCONJ
fsr-3146	74	12	high	high	ADJ
fsr-3146	74	13	gray	gray	ADJ
fsr-3146	74	14	market	market	NOUN
fsr-3146	74	15	prices	price	NOUN
fsr-3146	74	16	(	(	PUNCT
fsr-3146	74	17	a	a	DET
fsr-3146	74	18	signal	signal	NOUN
fsr-3146	74	19	that	that	SCONJ
fsr-3146	74	20	investors	investor	NOUN
fsr-3146	74	21	are	be	AUX
fsr-3146	74	22	optimistic	optimistic	ADJ
fsr-3146	74	23	)	)	PUNCT
fsr-3146	74	24	are	be	AUX
fsr-3146	74	25	a	a	DET
fsr-3146	74	26	good	good	ADJ
fsr-3146	74	27	predictor	predictor	NOUN
fsr-3146	74	28	of	of	ADP
fsr-3146	74	29	first	first	ADJ
fsr-3146	74	30	-	-	PUNCT
fsr-3146	74	31	day	day	NOUN
fsr-3146	74	32	ipo	ipo	NOUN
fsr-3146	74	33	closing	closing	NOUN
fsr-3146	74	34	prices	price	NOUN
fsr-3146	74	35	.	.	PUNCT
fsr-3146	75	1	the	the	DET
fsr-3146	75	2	demand	demand	NOUN
fsr-3146	75	3	for	for	ADP
fsr-3146	75	4	dividend	dividend	NOUN
fsr-3146	75	5	-	-	PUNCT
fsr-3146	75	6	paying	pay	VERB
fsr-3146	75	7	stocks	stock	NOUN
fsr-3146	75	8	should	should	AUX
fsr-3146	75	9	rise	rise	VERB
fsr-3146	75	10	when	when	SCONJ
fsr-3146	75	11	investors	investor	NOUN
fsr-3146	75	12	’	'	PUNCT
fsr-3146	75	13	marginal	marginal	ADJ
fsr-3146	75	14	propensity	propensity	NOUN
fsr-3146	75	15	to	to	PART
fsr-3146	75	16	consume	consume	VERB
fsr-3146	75	17	is	be	AUX
fsr-3146	75	18	high	high	ADJ
fsr-3146	75	19	and	and	CCONJ
fsr-3146	75	20	they	they	PRON
fsr-3146	75	21	are	be	AUX
fsr-3146	75	22	pessimistic	pessimistic	ADJ
fsr-3146	75	23	about	about	ADP
fsr-3146	75	24	future	future	ADJ
fsr-3146	75	25	returns	return	NOUN
fsr-3146	75	26	.	.	PUNCT
fsr-3146	76	1	baker	baker	NOUN
fsr-3146	76	2	and	and	CCONJ
fsr-3146	76	3	wurgler	wurgler	PROPN
fsr-3146	76	4	(	(	PUNCT
fsr-3146	76	5	2002	2002	NUM
fsr-3146	76	6	)	)	PUNCT
fsr-3146	76	7	find	find	VERB
fsr-3146	76	8	that	that	SCONJ
fsr-3146	76	9	companies	company	NOUN
fsr-3146	76	10	issue	issue	VERB
fsr-3146	76	11	more	more	ADJ
fsr-3146	76	12	equity	equity	NOUN
fsr-3146	76	13	relative	relative	ADJ
fsr-3146	76	14	to	to	ADP
fsr-3146	76	15	debt	debt	NOUN
fsr-3146	76	16	before	before	ADP
fsr-3146	76	17	periods	period	NOUN
fsr-3146	76	18	of	of	ADP
fsr-3146	76	19	low	low	ADJ
fsr-3146	76	20	stock	stock	NOUN
fsr-3146	76	21	market	market	NOUN
fsr-3146	76	22	returns	return	NOUN
fsr-3146	76	23	.	.	PUNCT
fsr-3146	77	1	3	3	X
fsr-3146	77	2	.	.	X
fsr-3146	77	3	conceptual	conceptual	ADJ
fsr-3146	77	4	framework	framework	NOUN
fsr-3146	77	5	and	and	CCONJ
fsr-3146	77	6	hypothesis	hypothesis	NOUN
fsr-3146	77	7	the	the	DET
fsr-3146	77	8	conceptual	conceptual	ADJ
fsr-3146	77	9	framework	framework	NOUN
fsr-3146	77	10	is	be	AUX
fsr-3146	77	11	displayed	display	VERB
fsr-3146	77	12	in	in	ADP
fsr-3146	77	13	fig	fig	NOUN
fsr-3146	77	14	.	.	PUNCT
fsr-3146	78	1	1	1	X
fsr-3146	78	2	.	.	X
fsr-3146	78	3	habit	habit	NOUN
fsr-3146	78	4	formation	formation	NOUN
fsr-3146	78	5	,	,	PUNCT
fsr-3146	78	6	loss	loss	NOUN
fsr-3146	78	7	aversion	aversion	NOUN
fsr-3146	78	8	and	and	CCONJ
fsr-3146	78	9	sentiment	sentiment	NOUN
fsr-3146	78	10	should	should	AUX
fsr-3146	78	11	account	account	VERB
fsr-3146	78	12	for	for	ADP
fsr-3146	78	13	significant	significant	ADJ
fsr-3146	78	14	variation	variation	NOUN
fsr-3146	78	15	in	in	ADP
fsr-3146	78	16	risk	risk	NOUN
fsr-3146	78	17	tolerance	tolerance	NOUN
fsr-3146	78	18	.	.	PUNCT
fsr-3146	79	1	risk	risk	NOUN
fsr-3146	79	2	tolerance	tolerance	NOUN
fsr-3146	79	3	directly	directly	ADV
fsr-3146	79	4	influences	influence	VERB
fsr-3146	79	5	portfolio	portfolio	NOUN
fsr-3146	79	6	allocation	allocation	NOUN
fsr-3146	79	7	preference	preference	NOUN
fsr-3146	79	8	.	.	PUNCT
fsr-3146	80	1	habit	habit	ADJ
fsr-3146	80	2	formation	formation	NOUN
fsr-3146	80	3	assumes	assume	VERB
fsr-3146	80	4	the	the	DET
fsr-3146	80	5	curvature	curvature	NOUN
fsr-3146	80	6	and	and	CCONJ
fsr-3146	80	7	slope	slope	NOUN
fsr-3146	80	8	of	of	ADP
fsr-3146	80	9	the	the	DET
fsr-3146	80	10	utility	utility	NOUN
fsr-3146	80	11	function	function	NOUN
fsr-3146	80	12	are	be	AUX
fsr-3146	80	13	the	the	DET
fsr-3146	80	14	same	same	ADJ
fsr-3146	80	15	in	in	ADP
fsr-3146	80	16	the	the	DET
fsr-3146	80	17	gain	gain	NOUN
fsr-3146	80	18	and	and	CCONJ
fsr-3146	80	19	loss	loss	NOUN
fsr-3146	80	20	domains	domain	NOUN
fsr-3146	80	21	.	.	PUNCT
fsr-3146	81	1	rational	rational	ADJ
fsr-3146	81	2	agents	agent	NOUN
fsr-3146	81	3	should	should	AUX
fsr-3146	81	4	derive	derive	VERB
fsr-3146	81	5	the	the	DET
fsr-3146	81	6	same	same	ADJ
fsr-3146	81	7	utility	utility	NOUN
fsr-3146	81	8	and	and	CCONJ
fsr-3146	81	9	disutility	disutility	NOUN
fsr-3146	81	10	from	from	ADP
fsr-3146	81	11	equivalent	equivalent	ADJ
fsr-3146	81	12	gains	gain	NOUN
fsr-3146	81	13	and	and	CCONJ
fsr-3146	81	14	losses	loss	NOUN
fsr-3146	81	15	.	.	PUNCT
fsr-3146	82	1	however	however	ADV
fsr-3146	82	2	,	,	PUNCT
fsr-3146	82	3	observed	observed	ADJ
fsr-3146	82	4	levels	level	NOUN
fsr-3146	82	5	of	of	ADP
fsr-3146	82	6	habit	habit	ADJ
fsr-3146	82	7	formation	formation	NOUN
fsr-3146	82	8	over	over	ADP
fsr-3146	82	9	small	small	ADJ
fsr-3146	82	10	stakes	stake	NOUN
fsr-3146	82	11	have	have	AUX
fsr-3146	82	12	translated	translate	VERB
fsr-3146	82	13	into	into	ADP
fsr-3146	82	14	unrealistically	unrealistically	ADV
fsr-3146	82	15	high	high	ADJ
fsr-3146	82	16	levels	level	NOUN
fsr-3146	82	17	of	of	ADP
fsr-3146	82	18	risk	risk	NOUN
fsr-3146	82	19	tolerance	tolerance	NOUN
fsr-3146	82	20	over	over	ADP
fsr-3146	82	21	larger	large	ADJ
fsr-3146	82	22	stakes	stake	NOUN
fsr-3146	82	23	(	(	PUNCT
fsr-3146	82	24	rabin	rabin	PROPN
fsr-3146	82	25	,	,	PUNCT
fsr-3146	82	26	2000	2000	NUM
fsr-3146	82	27	;	;	PUNCT
fsr-3146	82	28	rabin	rabin	PROPN
fsr-3146	82	29	and	and	CCONJ
fsr-3146	82	30	thaler	thaler	NOUN
fsr-3146	82	31	,	,	PUNCT
fsr-3146	82	32	2001	2001	NUM
fsr-3146	82	33	)	)	PUNCT
fsr-3146	82	34	.	.	PUNCT
fsr-3146	83	1	prospect	prospect	PROPN
fsr-3146	83	2	theory	theory	NOUN
fsr-3146	83	3	modified	modify	VERB
fsr-3146	83	4	consumption	consumption	NOUN
fsr-3146	83	5	models	model	NOUN
fsr-3146	83	6	by	by	ADP
fsr-3146	83	7	changing	change	VERB
fsr-3146	83	8	the	the	DET
fsr-3146	83	9	slope	slope	NOUN
fsr-3146	83	10	of	of	ADP
fsr-3146	83	11	the	the	DET
fsr-3146	83	12	utility	utility	NOUN
fsr-3146	83	13	function	function	NOUN
fsr-3146	83	14	in	in	ADP
fsr-3146	83	15	the	the	DET
fsr-3146	83	16	loss	loss	NOUN
fsr-3146	83	17	domain	domain	NOUN
fsr-3146	83	18	(	(	PUNCT
fsr-3146	83	19	kahneman	kahneman	NOUN
fsr-3146	83	20	and	and	CCONJ
fsr-3146	83	21	tversky	tversky	ADJ
fsr-3146	83	22	,	,	PUNCT
fsr-3146	83	23	1979	1979	NUM
fsr-3146	83	24	)	)	PUNCT
fsr-3146	83	25	.	.	PUNCT
fsr-3146	84	1	given	give	VERB
fsr-3146	84	2	the	the	DET
fsr-3146	84	3	empirical	empirical	ADJ
fsr-3146	84	4	evidence	evidence	NOUN
fsr-3146	84	5	that	that	SCONJ
fsr-3146	84	6	people	people	NOUN
fsr-3146	84	7	are	be	AUX
fsr-3146	84	8	loss	loss	NOUN
fsr-3146	84	9	averse	averse	ADJ
fsr-3146	84	10	(	(	PUNCT
fsr-3146	84	11	tversky	tversky	NOUN
fsr-3146	84	12	and	and	CCONJ
fsr-3146	84	13	kahneman	kahneman	NOUN
fsr-3146	84	14	,	,	PUNCT
fsr-3146	84	15	1992	1992	NUM
fsr-3146	84	16	;	;	PUNCT
fsr-3146	84	17	schmidt	schmidt	PROPN
fsr-3146	84	18	and	and	CCONJ
fsr-3146	84	19	traub	traub	PROPN
fsr-3146	84	20	,	,	PUNCT
fsr-3146	84	21	2002	2002	NUM
fsr-3146	84	22	;	;	PUNCT
fsr-3146	84	23	pennings	penning	NOUN
fsr-3146	84	24	and	and	CCONJ
fsr-3146	84	25	smidts	smidts	ADJ
fsr-3146	84	26	,	,	PUNCT
fsr-3146	84	27	2003	2003	NUM
fsr-3146	84	28	;	;	PUNCT
fsr-3146	84	29	booij	booij	NOUN
fsr-3146	84	30	and	and	CCONJ
fsr-3146	84	31	van	van	PROPN
fsr-3146	84	32	de	de	PROPN
fsr-3146	84	33	kuilen	kuilen	PROPN
fsr-3146	84	34	,	,	PUNCT
fsr-3146	84	35	2009	2009	NUM
fsr-3146	84	36	)	)	PUNCT
fsr-3146	84	37	we	we	PRON
fsr-3146	84	38	hypothesis	hypothesis	VERB
fsr-3146	84	39	that	that	SCONJ
fsr-3146	84	40	the	the	DET
fsr-3146	84	41	loss	loss	NOUN
fsr-3146	84	42	aversion	aversion	NOUN
fsr-3146	84	43	model	model	NOUN
fsr-3146	84	44	will	will	AUX
fsr-3146	84	45	account	account	VERB
fsr-3146	84	46	for	for	ADP
fsr-3146	84	47	greater	great	ADJ
fsr-3146	84	48	variation	variation	NOUN
fsr-3146	84	49	in	in	ADP
fsr-3146	84	50	risk	risk	NOUN
fsr-3146	84	51	tolerance	tolerance	NOUN
fsr-3146	84	52	than	than	ADP
fsr-3146	84	53	the	the	DET
fsr-3146	84	54	habit	habit	NOUN
fsr-3146	84	55	formation	formation	NOUN
fsr-3146	84	56	model	model	NOUN
fsr-3146	84	57	.	.	PUNCT
fsr-3146	85	1	4	4	X
fsr-3146	85	2	.	.	X
fsr-3146	85	3	methods	method	NOUN
fsr-3146	85	4	risk	risk	NOUN
fsr-3146	85	5	tolerance	tolerance	NOUN
fsr-3146	85	6	is	be	AUX
fsr-3146	85	7	measured	measure	VERB
fsr-3146	85	8	using	use	VERB
fsr-3146	85	9	a	a	DET
fsr-3146	85	10	questionnaire	questionnaire	NOUN
fsr-3146	85	11	that	that	PRON
fsr-3146	85	12	has	have	AUX
fsr-3146	85	13	been	be	AUX
fsr-3146	85	14	developed	develop	VERB
fsr-3146	85	15	by	by	ADP
fsr-3146	85	16	finametrica	finametrica	PROPN
fsr-3146	85	17	,	,	PUNCT
fsr-3146	85	18	a	a	DET
fsr-3146	85	19	leading	lead	VERB
fsr-3146	85	20	provider	provider	NOUN
fsr-3146	85	21	of	of	ADP
fsr-3146	85	22	risk	risk	NOUN
fsr-3146	85	23	profiling	profiling	NOUN
fsr-3146	85	24	tools	tool	NOUN
fsr-3146	85	25	.	.	PUNCT
fsr-3146	86	1	the	the	DET
fsr-3146	86	2	questionnaire	questionnaire	NOUN
fsr-3146	86	3	has	have	AUX
fsr-3146	86	4	been	be	AUX
fsr-3146	86	5	psychometrically	psychometrically	ADV
fsr-3146	86	6	tested	test	VERB
fsr-3146	86	7	for	for	ADP
fsr-3146	86	8	validity	validity	NOUN
fsr-3146	86	9	and	and	CCONJ
fsr-3146	86	10	reliability	reliability	NOUN
fsr-3146	86	11	(	(	PUNCT
fsr-3146	86	12	moreschi	moreschi	ADJ
fsr-3146	86	13	,	,	PUNCT
fsr-3146	86	14	2011	2011	NUM
fsr-3146	86	15	;	;	PUNCT
fsr-3146	86	16	van	van	PROPN
fsr-3146	86	17	de	de	PROPN
fsr-3146	86	18	venter	venter	PROPN
fsr-3146	86	19	,	,	PUNCT
fsr-3146	86	20	michayluk	michayluk	NOUN
fsr-3146	86	21	,	,	PUNCT
fsr-3146	86	22	and	and	CCONJ
fsr-3146	86	23	davey	davey	NOUN
fsr-3146	86	24	,	,	PUNCT
fsr-3146	86	25	2012	2012	NUM
fsr-3146	86	26	)	)	PUNCT
fsr-3146	86	27	and	and	CCONJ
fsr-3146	86	28	used	use	VERB
fsr-3146	86	29	to	to	PART
fsr-3146	86	30	profile	profile	VERB
fsr-3146	86	31	more	more	ADJ
fsr-3146	86	32	than	than	ADP
fsr-3146	86	33	500,000	500,000	NUM
fsr-3146	86	34	people	people	NOUN
fsr-3146	86	35	worldwide	worldwide	ADV
fsr-3146	86	36	.	.	PUNCT
fsr-3146	87	1	the	the	DET
fsr-3146	87	2	questionnaire	questionnaire	NOUN
fsr-3146	87	3	includes	include	VERB
fsr-3146	87	4	25	25	NUM
fsr-3146	87	5	risk	risk	NOUN
fsr-3146	87	6	fig	fig	NOUN
fsr-3146	87	7	.	.	PUNCT
fsr-3146	88	1	1	1	X
fsr-3146	88	2	.	.	X
fsr-3146	88	3	conceptual	conceptual	ADJ
fsr-3146	88	4	framework	framework	NOUN
fsr-3146	88	5	.	.	PUNCT
fsr-3146	89	1	210	210	NUM
fsr-3146	89	2	m.	m.	NOUN
fsr-3146	89	3	guillemette	guillemette	NOUN
fsr-3146	89	4	,	,	PUNCT
fsr-3146	89	5	d.	d.	PROPN
fsr-3146	89	6	nanigian	nanigian	PROPN
fsr-3146	89	7	/	/	SYM
fsr-3146	89	8	financial	financial	ADJ
fsr-3146	89	9	services	service	NOUN
fsr-3146	89	10	review	review	VERB
fsr-3146	89	11	23	23	NUM
fsr-3146	89	12	(	(	PUNCT
fsr-3146	89	13	2014	2014	NUM
fsr-3146	89	14	)	)	PUNCT
fsr-3146	90	1	207–218	207–218	NUM
fsr-3146	90	2	tolerance	tolerance	NOUN
fsr-3146	90	3	questions	question	NOUN
fsr-3146	90	4	that	that	PRON
fsr-3146	90	5	can	can	AUX
fsr-3146	90	6	be	be	AUX
fsr-3146	90	7	found	find	VERB
fsr-3146	90	8	at	at	ADP
fsr-3146	90	9	http://goo.gl/18dkl5	http://goo.gl/18dkl5	PROPN
fsr-3146	90	10	.	.	PUNCT
fsr-3146	91	1	scores	score	NOUN
fsr-3146	91	2	range	range	VERB
fsr-3146	91	3	from	from	ADP
fsr-3146	91	4	0	0	NUM
fsr-3146	91	5	to	to	ADP
fsr-3146	91	6	100	100	NUM
fsr-3146	91	7	with	with	ADP
fsr-3146	91	8	zero	zero	NUM
fsr-3146	91	9	being	be	AUX
fsr-3146	91	10	most	most	ADJ
fsr-3146	91	11	risk	risk	NOUN
fsr-3146	91	12	averse	averse	ADJ
fsr-3146	91	13	and	and	CCONJ
fsr-3146	91	14	100	100	NUM
fsr-3146	91	15	being	be	AUX
fsr-3146	91	16	most	most	ADJ
fsr-3146	91	17	risk	risk	NOUN
fsr-3146	91	18	tolerant	tolerant	ADJ
fsr-3146	91	19	.	.	PUNCT
fsr-3146	92	1	the	the	DET
fsr-3146	92	2	monthly	monthly	ADJ
fsr-3146	92	3	mean	mean	NOUN
fsr-3146	92	4	risk	risk	NOUN
fsr-3146	92	5	tolerance	tolerance	NOUN
fsr-3146	92	6	scores	score	NOUN
fsr-3146	92	7	(	(	PUNCT
fsr-3146	92	8	mrts	mrt	NOUN
fsr-3146	92	9	)	)	PUNCT
fsr-3146	92	10	of	of	ADP
fsr-3146	92	11	individuals	individual	NOUN
fsr-3146	92	12	surveyed	survey	VERB
fsr-3146	92	13	in	in	ADP
fsr-3146	92	14	the	the	DET
fsr-3146	92	15	united	united	PROPN
fsr-3146	92	16	states	states	PROPN
fsr-3146	92	17	and	and	CCONJ
fsr-3146	92	18	canada	canada	PROPN
fsr-3146	92	19	was	be	AUX
fsr-3146	92	20	provided	provide	VERB
fsr-3146	92	21	to	to	ADP
fsr-3146	92	22	us	we	PRON
fsr-3146	92	23	by	by	ADP
fsr-3146	92	24	finametrica	finametrica	PROPN
fsr-3146	92	25	.	.	PUNCT
fsr-3146	93	1	the	the	DET
fsr-3146	93	2	repeated	repeat	VERB
fsr-3146	93	3	cross	cross	PROPN
fsr-3146	93	4	sectional	sectional	ADJ
fsr-3146	93	5	data	datum	NOUN
fsr-3146	93	6	were	be	AUX
fsr-3146	93	7	collected	collect	VERB
fsr-3146	93	8	between	between	ADP
fsr-3146	93	9	january	january	PROPN
fsr-3146	93	10	2003	2003	NUM
fsr-3146	93	11	and	and	CCONJ
fsr-3146	93	12	december	december	PROPN
fsr-3146	93	13	2010	2010	NUM
fsr-3146	93	14	.	.	PUNCT
fsr-3146	94	1	in	in	ADP
fsr-3146	94	2	total	total	NOUN
fsr-3146	94	3	,	,	PUNCT
fsr-3146	94	4	357,677	357,677	NUM
fsr-3146	94	5	different	different	ADJ
fsr-3146	94	6	individuals	individual	NOUN
fsr-3146	94	7	were	be	AUX
fsr-3146	94	8	surveyed	survey	VERB
fsr-3146	94	9	.	.	PUNCT
fsr-3146	95	1	table	table	NOUN
fsr-3146	95	2	1	1	NUM
fsr-3146	95	3	provides	provide	VERB
fsr-3146	95	4	descriptive	descriptive	ADJ
fsr-3146	95	5	statistics	statistic	NOUN
fsr-3146	95	6	on	on	ADP
fsr-3146	95	7	the	the	DET
fsr-3146	95	8	number	number	NOUN
fsr-3146	95	9	of	of	ADP
fsr-3146	95	10	people	people	NOUN
fsr-3146	95	11	surveyed	survey	VERB
fsr-3146	95	12	per	per	ADP
fsr-3146	95	13	month	month	NOUN
fsr-3146	95	14	.	.	PUNCT
fsr-3146	96	1	the	the	DET
fsr-3146	96	2	minimum	minimum	ADJ
fsr-3146	96	3	number	number	NOUN
fsr-3146	96	4	of	of	ADP
fsr-3146	96	5	people	people	NOUN
fsr-3146	96	6	surveyed	survey	VERB
fsr-3146	96	7	in	in	ADP
fsr-3146	96	8	any	any	DET
fsr-3146	96	9	given	give	VERB
fsr-3146	96	10	month	month	NOUN
fsr-3146	96	11	was	be	AUX
fsr-3146	96	12	1,640	1,640	NUM
fsr-3146	96	13	so	so	CCONJ
fsr-3146	96	14	we	we	PRON
fsr-3146	96	15	believe	believe	VERB
fsr-3146	96	16	that	that	SCONJ
fsr-3146	96	17	the	the	DET
fsr-3146	96	18	sample	sample	NOUN
fsr-3146	96	19	is	be	AUX
fsr-3146	96	20	representative	representative	NOUN
fsr-3146	96	21	of	of	ADP
fsr-3146	96	22	the	the	DET
fsr-3146	96	23	broader	broad	ADJ
fsr-3146	96	24	population	population	NOUN
fsr-3146	96	25	of	of	ADP
fsr-3146	96	26	investors	investor	NOUN
fsr-3146	96	27	.	.	PUNCT
fsr-3146	97	1	no	no	DET
fsr-3146	97	2	demographic	demographic	ADJ
fsr-3146	97	3	or	or	CCONJ
fsr-3146	97	4	socioeconomic	socioeconomic	ADJ
fsr-3146	97	5	data	datum	NOUN
fsr-3146	97	6	were	be	AUX
fsr-3146	97	7	provided	provide	VERB
fsr-3146	97	8	.	.	PUNCT
fsr-3146	98	1	we	we	PRON
fsr-3146	98	2	use	use	VERB
fsr-3146	98	3	a	a	DET
fsr-3146	98	4	model	model	NOUN
fsr-3146	98	5	developed	develop	VERB
fsr-3146	98	6	by	by	ADP
fsr-3146	98	7	illmanen	illmanen	PROPN
fsr-3146	98	8	(	(	PUNCT
fsr-3146	98	9	1995	1995	NUM
fsr-3146	98	10	)	)	PUNCT
fsr-3146	98	11	in	in	ADP
fsr-3146	98	12	this	this	DET
fsr-3146	98	13	analysis	analysis	NOUN
fsr-3146	98	14	as	as	ADP
fsr-3146	98	15	a	a	DET
fsr-3146	98	16	proxy	proxy	NOUN
fsr-3146	98	17	for	for	ADP
fsr-3146	98	18	external	external	ADJ
fsr-3146	98	19	habit	habit	NOUN
fsr-3146	98	20	-	-	PUNCT
fsr-3146	98	21	based	base	VERB
fsr-3146	98	22	preferences	preference	NOUN
fsr-3146	98	23	.	.	PUNCT
fsr-3146	99	1	a	a	DET
fsr-3146	99	2	proxy	proxy	NOUN
fsr-3146	99	3	for	for	ADP
fsr-3146	99	4	external	external	ADJ
fsr-3146	99	5	habit	habit	NOUN
fsr-3146	99	6	formation	formation	NOUN
fsr-3146	99	7	is	be	AUX
fsr-3146	99	8	derived	derive	VERB
fsr-3146	99	9	by	by	ADP
fsr-3146	99	10	taking	take	VERB
fsr-3146	99	11	the	the	DET
fsr-3146	99	12	exponentially	exponentially	ADV
fsr-3146	99	13	weighted	weight	VERB
fsr-3146	99	14	ratio	ratio	NOUN
fsr-3146	99	15	of	of	ADP
fsr-3146	99	16	past	past	ADJ
fsr-3146	99	17	real	real	ADJ
fsr-3146	99	18	consumption	consumption	NOUN
fsr-3146	99	19	to	to	ADP
fsr-3146	99	20	current	current	ADJ
fsr-3146	99	21	real	real	ADJ
fsr-3146	99	22	consumption	consumption	NOUN
fsr-3146	99	23	,	,	PUNCT
fsr-3146	99	24	�	�	PROPN
fsr-3146	99	25	.	.	PUNCT
fsr-3146	100	1	the	the	DET
fsr-3146	100	2	ilmanen	ilmanen	PROPN
fsr-3146	100	3	(	(	PUNCT
fsr-3146	100	4	1995	1995	NUM
fsr-3146	100	5	)	)	PUNCT
fsr-3146	100	6	model	model	NOUN
fsr-3146	100	7	is	be	AUX
fsr-3146	100	8	similar	similar	ADJ
fsr-3146	100	9	to	to	ADP
fsr-3146	100	10	the	the	DET
fsr-3146	100	11	habit	habit	NOUN
fsr-3146	100	12	formation	formation	NOUN
fsr-3146	100	13	model	model	NOUN
fsr-3146	100	14	developed	develop	VERB
fsr-3146	100	15	by	by	ADP
fsr-3146	100	16	constantinides	constantinide	NOUN
fsr-3146	100	17	(	(	PUNCT
fsr-3146	100	18	1990	1990	NUM
fsr-3146	100	19	)	)	PUNCT
fsr-3146	100	20	,	,	PUNCT
fsr-3146	100	21	as	as	SCONJ
fsr-3146	100	22	the	the	DET
fsr-3146	100	23	subsistence	subsistence	NOUN
fsr-3146	100	24	level	level	NOUN
fsr-3146	100	25	of	of	ADP
fsr-3146	100	26	consumption	consumption	NOUN
fsr-3146	100	27	is	be	AUX
fsr-3146	100	28	the	the	DET
fsr-3146	100	29	exponentially	exponentially	ADV
fsr-3146	100	30	weighted	weight	VERB
fsr-3146	100	31	mean	mean	ADV
fsr-3146	100	32	of	of	ADP
fsr-3146	100	33	past	past	ADJ
fsr-3146	100	34	consumption	consumption	NOUN
fsr-3146	100	35	.	.	PUNCT
fsr-3146	101	1	as	as	ADP
fsr-3146	101	2	the	the	DET
fsr-3146	101	3	gap	gap	NOUN
fsr-3146	101	4	between	between	ADP
fsr-3146	101	5	the	the	DET
fsr-3146	101	6	exponentially	exponentially	ADV
fsr-3146	101	7	weighted	weight	VERB
fsr-3146	101	8	ratio	ratio	NOUN
fsr-3146	101	9	of	of	ADP
fsr-3146	101	10	past	past	ADJ
fsr-3146	101	11	real	real	ADJ
fsr-3146	101	12	consumption	consumption	NOUN
fsr-3146	101	13	to	to	ADP
fsr-3146	101	14	current	current	ADJ
fsr-3146	101	15	real	real	ADJ
fsr-3146	101	16	consumption	consumption	NOUN
fsr-3146	101	17	rises	rise	NOUN
fsr-3146	101	18	,	,	PUNCT
fsr-3146	101	19	rra	rra	NOUN
fsr-3146	101	20	increases	increase	NOUN
fsr-3146	101	21	.	.	PUNCT
fsr-3146	102	1	indexed	indexed	ADJ
fsr-3146	102	2	and	and	CCONJ
fsr-3146	102	3	seasonally	seasonally	ADV
fsr-3146	102	4	adjusted	adjust	VERB
fsr-3146	102	5	real	real	ADJ
fsr-3146	102	6	monthly	monthly	ADJ
fsr-3146	102	7	personal	personal	ADJ
fsr-3146	102	8	consumption	consumption	NOUN
fsr-3146	102	9	expenditures	expenditure	NOUN
fsr-3146	102	10	are	be	AUX
fsr-3146	102	11	obtained	obtain	VERB
fsr-3146	102	12	from	from	ADP
fsr-3146	102	13	the	the	DET
fsr-3146	102	14	federal	federal	PROPN
fsr-3146	102	15	reserve	reserve	PROPN
fsr-3146	102	16	bank	bank	PROPN
fsr-3146	102	17	of	of	ADP
fsr-3146	102	18	saint	saint	PROPN
fsr-3146	102	19	louis.2	louis.2	PROPN
fsr-3146	102	20	ilmanen	ilmanen	PROPN
fsr-3146	102	21	(	(	PUNCT
fsr-3146	102	22	1995	1995	NUM
fsr-3146	102	23	)	)	PUNCT
fsr-3146	102	24	assigns	assign	VERB
fsr-3146	102	25	smaller	small	ADJ
fsr-3146	102	26	weights	weight	NOUN
fsr-3146	102	27	to	to	ADP
fsr-3146	102	28	consumption	consumption	NOUN
fsr-3146	102	29	levels	level	NOUN
fsr-3146	102	30	that	that	PRON
fsr-3146	102	31	are	be	AUX
fsr-3146	102	32	further	far	ADV
fsr-3146	102	33	out	out	ADV
fsr-3146	102	34	in	in	ADP
fsr-3146	102	35	time	time	NOUN
fsr-3146	102	36	.	.	PUNCT
fsr-3146	103	1	a	a	DET
fsr-3146	103	2	smoothing	smooth	VERB
fsr-3146	103	3	coefficient	coefficient	NOUN
fsr-3146	103	4	of	of	ADP
fsr-3146	103	5	0.90	0.90	NUM
fsr-3146	103	6	is	be	AUX
fsr-3146	103	7	used	use	VERB
fsr-3146	103	8	to	to	PART
fsr-3146	103	9	capture	capture	VERB
fsr-3146	103	10	business	business	NOUN
fsr-3146	103	11	cycle	cycle	NOUN
fsr-3146	103	12	effects	effect	NOUN
fsr-3146	103	13	and	and	CCONJ
fsr-3146	103	14	the	the	DET
fsr-3146	103	15	weights	weight	NOUN
fsr-3146	103	16	for	for	ADP
fsr-3146	103	17	the	the	DET
fsr-3146	103	18	cumulative	cumulative	ADJ
fsr-3146	103	19	last	last	ADJ
fsr-3146	103	20	12	12	NUM
fsr-3146	103	21	months	month	NOUN
fsr-3146	103	22	and	and	CCONJ
fsr-3146	103	23	cumulative	cumulative	ADJ
fsr-3146	103	24	last	last	ADJ
fsr-3146	103	25	36	36	NUM
fsr-3146	103	26	months	month	NOUN
fsr-3146	103	27	are	be	AUX
fsr-3146	103	28	70	70	NUM
fsr-3146	103	29	%	%	NOUN
fsr-3146	103	30	and	and	CCONJ
fsr-3146	103	31	95	95	NUM
fsr-3146	103	32	%	%	NOUN
fsr-3146	103	33	,	,	PUNCT
fsr-3146	103	34	respectively	respectively	ADV
fsr-3146	103	35	(	(	PUNCT
fsr-3146	103	36	illmanen	illmanen	NOUN
fsr-3146	103	37	,	,	PUNCT
fsr-3146	103	38	1995	1995	NUM
fsr-3146	103	39	)	)	PUNCT
fsr-3146	103	40	.	.	PUNCT
fsr-3146	104	1	eq	eq	X
fsr-3146	104	2	.	.	PUNCT
fsr-3146	105	1	(	(	PUNCT
fsr-3146	105	2	1	1	X
fsr-3146	105	3	)	)	PUNCT
fsr-3146	105	4	displays	display	VERB
fsr-3146	105	5	the	the	DET
fsr-3146	105	6	derivation	derivation	NOUN
fsr-3146	105	7	of	of	ADP
fsr-3146	105	8	the	the	DET
fsr-3146	105	9	habit	habit	NOUN
fsr-3146	105	10	formation	formation	NOUN
fsr-3146	105	11	proxy	proxy	NOUN
fsr-3146	105	12	.	.	PUNCT
fsr-3146	106	1	invct	invct	PROPN
fsr-3146	106	2	�	�	PROPN
fsr-3146	106	3	�	�	PROPN
fsr-3146	106	4	�	�	PROPN
fsr-3146	106	5	�	�	PROPN
fsr-3146	106	6	ct	ct	PROPN
fsr-3146	106	7	�	�	PROPN
fsr-3146	106	8	1	1	NUM
fsr-3146	106	9	�	�	PROPN
fsr-3146	106	10	�	�	PROPN
fsr-3146	106	11	�	�	PROPN
fsr-3146	106	12	0.9	0.9	NUM
fsr-3146	106	13	�	�	PROPN
fsr-3146	106	14	ct	ct	PROPN
fsr-3146	106	15	�	�	PROPN
fsr-3146	106	16	2	2	NUM
fsr-3146	106	17	�	�	PROPN
fsr-3146	106	18	�	�	PROPN
fsr-3146	106	19	�	�	PROPN
fsr-3146	106	20	0.92	0.92	NUM
fsr-3146	106	21	�	�	PROPN
fsr-3146	106	22	ct	ct	PROPN
fsr-3146	106	23	�	�	PROPN
fsr-3146	106	24	3	3	NUM
fsr-3146	106	25	�	�	PROPN
fsr-3146	106	26	�	�	PROPN
fsr-3146	106	27	.	.	PUNCT
fsr-3146	106	28	.	.	PUNCT
fsr-3146	106	29	.	.	PUNCT
fsr-3146	107	1	�	�	PROPN
fsr-3146	107	2	�	�	PROPN
fsr-3146	107	3	0.1	0.1	NUM
fsr-3146	107	4	�	�	PROPN
fsr-3146	107	5	ct	ct	PROPN
fsr-3146	107	6	(	(	PUNCT
fsr-3146	107	7	1	1	X
fsr-3146	107	8	)	)	PUNCT
fsr-3146	107	9	the	the	DET
fsr-3146	107	10	proxy	proxy	NOUN
fsr-3146	107	11	for	for	ADP
fsr-3146	107	12	loss	loss	NOUN
fsr-3146	107	13	averse	averse	ADJ
fsr-3146	107	14	preferences	preference	NOUN
fsr-3146	107	15	is	be	AUX
fsr-3146	107	16	developed	develop	VERB
fsr-3146	107	17	by	by	ADP
fsr-3146	107	18	kahneman	kahneman	NOUN
fsr-3146	107	19	and	and	CCONJ
fsr-3146	107	20	tversky	tversky	PROPN
fsr-3146	107	21	(	(	PUNCT
fsr-3146	107	22	1992	1992	NUM
fsr-3146	107	23	)	)	PUNCT
fsr-3146	107	24	and	and	CCONJ
fsr-3146	107	25	barberis	barberis	PROPN
fsr-3146	107	26	,	,	PUNCT
fsr-3146	107	27	huang	huang	PROPN
fsr-3146	107	28	,	,	PUNCT
fsr-3146	107	29	and	and	CCONJ
fsr-3146	107	30	santos	santos	PROPN
fsr-3146	107	31	(	(	PUNCT
fsr-3146	107	32	2001	2001	NUM
fsr-3146	107	33	)	)	PUNCT
fsr-3146	107	34	.	.	PUNCT
fsr-3146	108	1	kahneman	kahneman	PROPN
fsr-3146	108	2	and	and	CCONJ
fsr-3146	108	3	tversky	tversky	PROPN
fsr-3146	108	4	(	(	PUNCT
fsr-3146	108	5	1992	1992	NUM
fsr-3146	108	6	)	)	PUNCT
fsr-3146	108	7	find	find	VERB
fsr-3146	108	8	that	that	SCONJ
fsr-3146	108	9	individuals	individual	NOUN
fsr-3146	108	10	weigh	weigh	VERB
fsr-3146	108	11	losses	loss	NOUN
fsr-3146	108	12	2.25	2.25	NUM
fsr-3146	108	13	times	time	NOUN
fsr-3146	108	14	more	more	ADJ
fsr-3146	108	15	than	than	ADP
fsr-3146	108	16	equivalent	equivalent	ADJ
fsr-3146	108	17	gains	gain	NOUN
fsr-3146	108	18	when	when	SCONJ
fsr-3146	108	19	they	they	PRON
fsr-3146	108	20	are	be	AUX
fsr-3146	108	21	offered	offer	VERB
fsr-3146	108	22	isolated	isolated	ADJ
fsr-3146	108	23	gambles	gamble	NOUN
fsr-3146	108	24	.	.	PUNCT
fsr-3146	109	1	they	they	PRON
fsr-3146	109	2	estimate	estimate	VERB
fsr-3146	109	3	that	that	SCONJ
fsr-3146	109	4	the	the	DET
fsr-3146	109	5	marginally	marginally	ADV
fsr-3146	109	6	decreasing	decrease	VERB
fsr-3146	109	7	aspect	aspect	NOUN
fsr-3146	109	8	of	of	ADP
fsr-3146	109	9	the	the	DET
fsr-3146	109	10	value	value	NOUN
fsr-3146	109	11	function	function	NOUN
fsr-3146	109	12	,	,	PUNCT
fsr-3146	109	13	�	�	PROPN
fsr-3146	109	14	,	,	PUNCT
fsr-3146	109	15	is	be	AUX
fsr-3146	109	16	0.88	0.88	NUM
fsr-3146	109	17	.	.	PUNCT
fsr-3146	110	1	in	in	ADP
fsr-3146	110	2	the	the	DET
fsr-3146	110	3	barberis	barberis	PROPN
fsr-3146	110	4	et	et	PROPN
fsr-3146	110	5	al	al	PROPN
fsr-3146	110	6	.	.	PROPN
fsr-3146	111	1	(	(	PUNCT
fsr-3146	111	2	2001	2001	NUM
fsr-3146	111	3	)	)	PUNCT
fsr-3146	111	4	model	model	NOUN
fsr-3146	111	5	losses	loss	NOUN
fsr-3146	111	6	are	be	AUX
fsr-3146	111	7	not	not	PART
fsr-3146	111	8	evenly	evenly	ADV
fsr-3146	111	9	weighted	weight	VERB
fsr-3146	111	10	as	as	SCONJ
fsr-3146	111	11	there	there	PRON
fsr-3146	111	12	is	be	VERB
fsr-3146	111	13	evidence	evidence	NOUN
fsr-3146	111	14	that	that	SCONJ
fsr-3146	111	15	sensitivity	sensitivity	NOUN
fsr-3146	111	16	differs	differ	VERB
fsr-3146	111	17	depending	depend	VERB
fsr-3146	111	18	on	on	ADP
fsr-3146	111	19	whether	whether	SCONJ
fsr-3146	111	20	a	a	DET
fsr-3146	111	21	prior	prior	ADJ
fsr-3146	111	22	gain	gain	NOUN
fsr-3146	111	23	or	or	CCONJ
fsr-3146	111	24	loss	loss	NOUN
fsr-3146	111	25	preceded	precede	VERB
fsr-3146	111	26	the	the	DET
fsr-3146	111	27	current	current	ADJ
fsr-3146	111	28	loss	loss	NOUN
fsr-3146	111	29	.	.	PUNCT
fsr-3146	112	1	�	�	PROPN
fsr-3146	112	2	increases	increase	VERB
fsr-3146	112	3	after	after	ADP
fsr-3146	112	4	a	a	DET
fsr-3146	112	5	prior	prior	ADJ
fsr-3146	112	6	gain	gain	NOUN
fsr-3146	112	7	and	and	CCONJ
fsr-3146	112	8	decreases	decrease	NOUN
fsr-3146	112	9	after	after	ADP
fsr-3146	112	10	a	a	DET
fsr-3146	112	11	prior	prior	ADJ
fsr-3146	112	12	loss	loss	NOUN
fsr-3146	112	13	because	because	SCONJ
fsr-3146	112	14	of	of	ADP
fsr-3146	112	15	the	the	DET
fsr-3146	112	16	house	house	NOUN
fsr-3146	112	17	money	money	NOUN
fsr-3146	112	18	effect	effect	NOUN
fsr-3146	112	19	(	(	PUNCT
fsr-3146	112	20	thaler	thaler	NOUN
fsr-3146	112	21	and	and	CCONJ
fsr-3146	112	22	johnson	johnson	PROPN
fsr-3146	112	23	,	,	PUNCT
fsr-3146	112	24	1990	1990	NUM
fsr-3146	112	25	)	)	PUNCT
fsr-3146	112	26	.	.	PUNCT
fsr-3146	113	1	barberis	barberis	PROPN
fsr-3146	113	2	,	,	PUNCT
fsr-3146	113	3	huang	huang	PROPN
fsr-3146	113	4	,	,	PUNCT
fsr-3146	113	5	and	and	CCONJ
fsr-3146	113	6	santos	santos	PROPN
fsr-3146	113	7	(	(	PUNCT
fsr-3146	113	8	2001	2001	NUM
fsr-3146	113	9	)	)	PUNCT
fsr-3146	113	10	create	create	VERB
fsr-3146	113	11	a	a	DET
fsr-3146	113	12	parameter	parameter	NOUN
fsr-3146	113	13	,	,	PUNCT
fsr-3146	113	14	k	k	NOUN
fsr-3146	113	15	,	,	PUNCT
fsr-3146	113	16	to	to	PART
fsr-3146	113	17	table	table	VERB
fsr-3146	113	18	1	1	NUM
fsr-3146	113	19	distribution	distribution	NOUN
fsr-3146	113	20	of	of	ADP
fsr-3146	113	21	sample	sample	NOUN
fsr-3146	113	22	descriptive	descriptive	ADJ
fsr-3146	113	23	n	n	PRON
fsr-3146	113	24	mean	mean	VERB
fsr-3146	113	25	3,726	3,726	NUM
fsr-3146	113	26	�	�	NOUN
fsr-3146	113	27	1,356	1,356	NUM
fsr-3146	113	28	75th	75th	ADJ
fsr-3146	113	29	percentile	percentile	ADJ
fsr-3146	113	30	4,476	4,476	NUM
fsr-3146	113	31	median	median	NOUN
fsr-3146	113	32	3,683	3,683	NUM
fsr-3146	113	33	25th	25th	NOUN
fsr-3146	113	34	percentile	percentile	VERB
fsr-3146	113	35	2,683	2,683	NUM
fsr-3146	113	36	minimum	minimum	NOUN
fsr-3146	113	37	1,640	1,640	NUM
fsr-3146	113	38	maximum	maximum	ADJ
fsr-3146	113	39	8,047	8,047	NUM
fsr-3146	113	40	211	211	NUM
fsr-3146	113	41	m.	m.	NOUN
fsr-3146	113	42	guillemette	guillemette	NOUN
fsr-3146	113	43	,	,	PUNCT
fsr-3146	113	44	d.	d.	PROPN
fsr-3146	113	45	nanigian	nanigian	PROPN
fsr-3146	113	46	/	/	SYM
fsr-3146	113	47	financial	financial	ADJ
fsr-3146	113	48	services	service	NOUN
fsr-3146	113	49	review	review	VERB
fsr-3146	113	50	23	23	NUM
fsr-3146	113	51	(	(	PUNCT
fsr-3146	113	52	2014	2014	NUM
fsr-3146	113	53	)	)	PUNCT
fsr-3146	114	1	207–218	207–218	NUM
fsr-3146	114	2	determine	determine	VERB
fsr-3146	114	3	how	how	SCONJ
fsr-3146	114	4	much	much	ADV
fsr-3146	114	5	more	more	ADV
fsr-3146	114	6	painful	painful	ADJ
fsr-3146	114	7	losses	loss	NOUN
fsr-3146	114	8	are	be	AUX
fsr-3146	114	9	after	after	ADP
fsr-3146	114	10	a	a	DET
fsr-3146	114	11	prior	prior	ADJ
fsr-3146	114	12	loss	loss	NOUN
fsr-3146	114	13	and	and	CCONJ
fsr-3146	114	14	how	how	SCONJ
fsr-3146	114	15	much	much	ADV
fsr-3146	114	16	less	less	ADV
fsr-3146	114	17	painful	painful	ADJ
fsr-3146	114	18	they	they	PRON
fsr-3146	114	19	are	be	AUX
fsr-3146	114	20	after	after	ADP
fsr-3146	114	21	a	a	DET
fsr-3146	114	22	prior	prior	ADJ
fsr-3146	114	23	gain	gain	NOUN
fsr-3146	114	24	.	.	PUNCT
fsr-3146	115	1	they	they	PRON
fsr-3146	115	2	find	find	VERB
fsr-3146	115	3	that	that	SCONJ
fsr-3146	115	4	k	k	PROPN
fsr-3146	115	5	�	�	PROPN
fsr-3146	115	6	3	3	NUM
fsr-3146	115	7	results	result	NOUN
fsr-3146	115	8	in	in	ADP
fsr-3146	115	9	a	a	DET
fsr-3146	115	10	mean	mean	ADJ
fsr-3146	115	11	�	�	NOUN
fsr-3146	115	12	that	that	PRON
fsr-3146	115	13	is	be	AUX
fsr-3146	115	14	approximately	approximately	ADV
fsr-3146	115	15	�	�	NOUN
fsr-3146	115	16	2.25	2.25	NUM
fsr-3146	115	17	.	.	PUNCT
fsr-3146	116	1	for	for	ADP
fsr-3146	116	2	example	example	NOUN
fsr-3146	116	3	,	,	PUNCT
fsr-3146	116	4	if	if	SCONJ
fsr-3146	116	5	the	the	DET
fsr-3146	116	6	stock	stock	NOUN
fsr-3146	116	7	market	market	NOUN
fsr-3146	116	8	falls	fall	VERB
fsr-3146	116	9	10	10	NUM
fsr-3146	116	10	%	%	NOUN
fsr-3146	116	11	in	in	ADP
fsr-3146	116	12	a	a	DET
fsr-3146	116	13	given	give	VERB
fsr-3146	116	14	month	month	NOUN
fsr-3146	116	15	k	k	PROPN
fsr-3146	116	16	is	be	AUX
fsr-3146	116	17	multiplied	multiply	VERB
fsr-3146	116	18	by	by	ADP
fsr-3146	116	19	�	�	PROPN
fsr-3146	116	20	0.10	0.10	NUM
fsr-3146	116	21	and	and	CCONJ
fsr-3146	116	22	then	then	ADV
fsr-3146	116	23	added	add	VERB
fsr-3146	116	24	to	to	ADP
fsr-3146	116	25	�	�	PROPN
fsr-3146	116	26	2.25	2.25	NUM
fsr-3146	116	27	,	,	PUNCT
fsr-3146	116	28	which	which	PRON
fsr-3146	116	29	results	result	VERB
fsr-3146	116	30	in	in	ADP
fsr-3146	116	31	a	a	DET
fsr-3146	116	32	loss	loss	NOUN
fsr-3146	116	33	aversion	aversion	NOUN
fsr-3146	116	34	weight	weight	NOUN
fsr-3146	116	35	,	,	PUNCT
fsr-3146	116	36	w	w	PROPN
fsr-3146	116	37	,	,	PUNCT
fsr-3146	116	38	of	of	ADP
fsr-3146	116	39	�	�	NOUN
fsr-3146	116	40	2.55	2.55	NUM
fsr-3146	116	41	.	.	PUNCT
fsr-3146	117	1	if	if	SCONJ
fsr-3146	117	2	the	the	DET
fsr-3146	117	3	stock	stock	NOUN
fsr-3146	117	4	market	market	NOUN
fsr-3146	117	5	rises	rise	VERB
fsr-3146	117	6	five	five	NUM
fsr-3146	117	7	percentage	percentage	NOUN
fsr-3146	117	8	in	in	ADP
fsr-3146	117	9	a	a	DET
fsr-3146	117	10	given	give	VERB
fsr-3146	117	11	month	month	NOUN
fsr-3146	117	12	k	k	PROPN
fsr-3146	117	13	is	be	AUX
fsr-3146	117	14	multiplied	multiply	VERB
fsr-3146	117	15	by	by	ADP
fsr-3146	117	16	0.05	0.05	NUM
fsr-3146	117	17	and	and	CCONJ
fsr-3146	117	18	then	then	ADV
fsr-3146	117	19	added	add	VERB
fsr-3146	117	20	to	to	ADP
fsr-3146	117	21	�	�	PROPN
fsr-3146	117	22	2.25	2.25	NUM
fsr-3146	117	23	which	which	PRON
fsr-3146	117	24	results	result	VERB
fsr-3146	117	25	in	in	ADP
fsr-3146	117	26	w	w	PROPN
fsr-3146	117	27	�	�	PROPN
fsr-3146	117	28	�	�	PROPN
fsr-3146	117	29	2.10	2.10	NUM
fsr-3146	117	30	.	.	PUNCT
fsr-3146	118	1	the	the	DET
fsr-3146	118	2	return	return	NOUN
fsr-3146	118	3	on	on	ADP
fsr-3146	118	4	fama	fama	PROPN
fsr-3146	118	5	and	and	CCONJ
fsr-3146	118	6	french	french	PROPN
fsr-3146	118	7	’s	’s	PART
fsr-3146	118	8	value	value	NOUN
fsr-3146	118	9	-	-	PUNCT
fsr-3146	118	10	weighted	weight	VERB
fsr-3146	118	11	portfolio	portfolio	NOUN
fsr-3146	118	12	of	of	ADP
fsr-3146	118	13	u.s	u.s	PROPN
fsr-3146	118	14	.	.	PROPN
fsr-3146	118	15	stocks3	stocks3	PROPN
fsr-3146	118	16	is	be	AUX
fsr-3146	118	17	used	use	VERB
fsr-3146	118	18	to	to	PART
fsr-3146	118	19	proxy	proxy	VERB
fsr-3146	118	20	for	for	ADP
fsr-3146	118	21	the	the	DET
fsr-3146	118	22	market	market	NOUN
fsr-3146	118	23	return	return	NOUN
fsr-3146	118	24	,	,	PUNCT
fsr-3146	118	25	mkt	mkt	PROPN
fsr-3146	118	26	.	.	PUNCT
fsr-3146	119	1	the	the	DET
fsr-3146	119	2	one	one	NUM
fsr-3146	119	3	-	-	PUNCT
fsr-3146	119	4	month	month	NOUN
fsr-3146	119	5	treasury	treasury	NOUN
fsr-3146	119	6	bill	bill	NOUN
fsr-3146	119	7	rate	rate	NOUN
fsr-3146	119	8	,	,	PUNCT
fsr-3146	119	9	rf	rf	NOUN
fsr-3146	119	10	,	,	PUNCT
fsr-3146	119	11	is	be	AUX
fsr-3146	119	12	subtracted	subtract	VERB
fsr-3146	119	13	from	from	ADP
fsr-3146	119	14	mkt	mkt	PROPN
fsr-3146	119	15	to	to	PART
fsr-3146	119	16	account	account	VERB
fsr-3146	119	17	for	for	ADP
fsr-3146	119	18	the	the	DET
fsr-3146	119	19	opportunity	opportunity	NOUN
fsr-3146	119	20	cost	cost	NOUN
fsr-3146	119	21	of	of	ADP
fsr-3146	119	22	investing	invest	VERB
fsr-3146	119	23	in	in	ADP
fsr-3146	119	24	the	the	DET
fsr-3146	119	25	equity	equity	NOUN
fsr-3146	119	26	market	market	NOUN
fsr-3146	119	27	.	.	PUNCT
fsr-3146	120	1	the	the	DET
fsr-3146	120	2	derivation	derivation	NOUN
fsr-3146	120	3	of	of	ADP
fsr-3146	120	4	the	the	DET
fsr-3146	120	5	loss	loss	NOUN
fsr-3146	120	6	aversion	aversion	NOUN
fsr-3146	120	7	proxy	proxy	NOUN
fsr-3146	120	8	is	be	AUX
fsr-3146	120	9	displayed	display	VERB
fsr-3146	120	10	in	in	ADP
fsr-3146	120	11	eq	eq	ADP
fsr-3146	120	12	.	.	PUNCT
fsr-3146	121	1	(	(	PUNCT
fsr-3146	121	2	2	2	NUM
fsr-3146	121	3	)	)	PUNCT
fsr-3146	121	4	.	.	PUNCT
fsr-3146	122	1	�	�	PROPN
fsr-3146	122	2	mkt	mkt	PROPN
fsr-3146	122	3	�	�	PROPN
fsr-3146	122	4	rf	rf	PROPN
fsr-3146	122	5	�	�	PROPN
fsr-3146	122	6	0.88	0.88	NUM
fsr-3146	122	7	if	if	SCONJ
fsr-3146	122	8	�	�	PROPN
fsr-3146	122	9	mkt	mkt	PROPN
fsr-3146	122	10	�	�	PROPN
fsr-3146	122	11	rf	rf	PROPN
fsr-3146	122	12	�	�	PROPN
fsr-3146	122	13	�	�	PROPN
fsr-3146	122	14	0	0	NUM
fsr-3146	122	15	,	,	PUNCT
fsr-3146	122	16	else	else	ADV
fsr-3146	122	17	w	w	PROPN
fsr-3146	122	18	�	�	PROPN
fsr-3146	122	19	�	�	PROPN
fsr-3146	122	20	�	�	PROPN
fsr-3146	122	21	1	1	NUM
fsr-3146	122	22	�	�	PROPN
fsr-3146	122	23	�	�	PROPN
fsr-3146	122	24	mkt	mkt	PROPN
fsr-3146	122	25	�	�	PROPN
fsr-3146	122	26	rf	rf	PROPN
fsr-3146	122	27	�	�	PROPN
fsr-3146	122	28	�	�	NOUN
fsr-3146	122	29	0.88	0.88	NUM
fsr-3146	122	30	(	(	PUNCT
fsr-3146	122	31	2	2	NUM
fsr-3146	122	32	)	)	PUNCT
fsr-3146	122	33	shumway	shumway	NOUN
fsr-3146	122	34	(	(	PUNCT
fsr-3146	122	35	1997	1997	NUM
fsr-3146	122	36	)	)	PUNCT
fsr-3146	122	37	develops	develop	VERB
fsr-3146	122	38	an	an	DET
fsr-3146	122	39	asset	asset	NOUN
fsr-3146	122	40	pricing	pricing	NOUN
fsr-3146	122	41	model	model	NOUN
fsr-3146	122	42	based	base	VERB
fsr-3146	122	43	on	on	ADP
fsr-3146	122	44	loss	loss	NOUN
fsr-3146	122	45	averse	averse	ADJ
fsr-3146	122	46	investors	investor	NOUN
fsr-3146	122	47	.	.	PUNCT
fsr-3146	123	1	the	the	DET
fsr-3146	123	2	model	model	NOUN
fsr-3146	123	3	explains	explain	VERB
fsr-3146	123	4	annual	annual	ADJ
fsr-3146	123	5	returns	return	NOUN
fsr-3146	123	6	better	well	ADV
fsr-3146	123	7	than	than	ADP
fsr-3146	123	8	competing	compete	VERB
fsr-3146	123	9	models	model	NOUN
fsr-3146	123	10	,	,	PUNCT
fsr-3146	123	11	but	but	CCONJ
fsr-3146	123	12	it	it	PRON
fsr-3146	123	13	does	do	AUX
fsr-3146	123	14	not	not	PART
fsr-3146	123	15	explain	explain	VERB
fsr-3146	123	16	monthly	monthly	ADJ
fsr-3146	123	17	,	,	PUNCT
fsr-3146	123	18	quarterly	quarterly	ADJ
fsr-3146	123	19	,	,	PUNCT
fsr-3146	123	20	or	or	CCONJ
fsr-3146	123	21	half	half	ADJ
fsr-3146	123	22	-	-	PUNCT
fsr-3146	123	23	year	year	NOUN
fsr-3146	123	24	returns	return	NOUN
fsr-3146	123	25	.	.	PUNCT
fsr-3146	124	1	this	this	PRON
fsr-3146	124	2	is	be	AUX
fsr-3146	124	3	consistent	consistent	ADJ
fsr-3146	124	4	with	with	ADP
fsr-3146	124	5	the	the	DET
fsr-3146	124	6	finding	finding	NOUN
fsr-3146	124	7	that	that	SCONJ
fsr-3146	124	8	a	a	DET
fsr-3146	124	9	one	one	NUM
fsr-3146	124	10	-	-	PUNCT
fsr-3146	124	11	year	year	NOUN
fsr-3146	124	12	evaluation	evaluation	NOUN
fsr-3146	124	13	period	period	NOUN
fsr-3146	124	14	is	be	AUX
fsr-3146	124	15	utility	utility	NOUN
fsr-3146	124	16	maximizing	maximize	VERB
fsr-3146	124	17	assuming	assume	VERB
fsr-3146	124	18	that	that	SCONJ
fsr-3146	124	19	investors	investor	NOUN
fsr-3146	124	20	are	be	AUX
fsr-3146	124	21	myopic	myopic	ADJ
fsr-3146	124	22	and	and	CCONJ
fsr-3146	124	23	loss	loss	NOUN
fsr-3146	124	24	averse	averse	ADJ
fsr-3146	124	25	(	(	PUNCT
fsr-3146	124	26	benartzi	benartzi	NOUN
fsr-3146	124	27	and	and	CCONJ
fsr-3146	124	28	thaler	thaler	NOUN
fsr-3146	124	29	,	,	PUNCT
fsr-3146	124	30	1995	1995	NUM
fsr-3146	124	31	)	)	PUNCT
fsr-3146	124	32	.	.	PUNCT
fsr-3146	125	1	a	a	DET
fsr-3146	125	2	one	one	NUM
fsr-3146	125	3	-	-	PUNCT
fsr-3146	125	4	year	year	NOUN
fsr-3146	125	5	moving	move	VERB
fsr-3146	125	6	average	average	NOUN
fsr-3146	125	7	is	be	AUX
fsr-3146	125	8	used	use	VERB
fsr-3146	125	9	for	for	ADP
fsr-3146	125	10	the	the	DET
fsr-3146	125	11	loss	loss	NOUN
fsr-3146	125	12	aversion	aversion	NOUN
fsr-3146	125	13	proxy	proxy	NOUN
fsr-3146	125	14	.	.	PUNCT
fsr-3146	126	1	baker	baker	NOUN
fsr-3146	126	2	and	and	CCONJ
fsr-3146	126	3	wurgler	wurgler	PROPN
fsr-3146	126	4	(	(	PUNCT
fsr-3146	126	5	2007	2007	NUM
fsr-3146	126	6	)	)	PUNCT
fsr-3146	126	7	develop	develop	VERB
fsr-3146	126	8	an	an	DET
fsr-3146	126	9	index	index	NOUN
fsr-3146	126	10	to	to	PART
fsr-3146	126	11	measure	measure	VERB
fsr-3146	126	12	investor	investor	NOUN
fsr-3146	126	13	sentiment	sentiment	NOUN
fsr-3146	126	14	that	that	PRON
fsr-3146	126	15	includes	include	VERB
fsr-3146	126	16	the	the	DET
fsr-3146	126	17	monthly	monthly	ADJ
fsr-3146	126	18	change	change	NOUN
fsr-3146	126	19	in	in	ADP
fsr-3146	126	20	the	the	DET
fsr-3146	126	21	closed	close	VERB
fsr-3146	126	22	-	-	PUNCT
fsr-3146	126	23	end	end	NOUN
fsr-3146	126	24	fund	fund	NOUN
fsr-3146	126	25	discount	discount	NOUN
fsr-3146	126	26	,	,	PUNCT
fsr-3146	126	27	cefd	cefd	ADV
fsr-3146	126	28	,	,	PUNCT
fsr-3146	126	29	detrended	detrende	VERB
fsr-3146	126	30	log	log	NOUN
fsr-3146	126	31	turnover	turnover	NOUN
fsr-3146	126	32	,	,	PUNCT
fsr-3146	126	33	turn	turn	NOUN
fsr-3146	126	34	,	,	PUNCT
fsr-3146	126	35	the	the	DET
fsr-3146	126	36	number	number	NOUN
fsr-3146	126	37	of	of	ADP
fsr-3146	126	38	ipos	ipos	PROPN
fsr-3146	126	39	,	,	PUNCT
fsr-3146	126	40	nipo	nipo	PROPN
fsr-3146	126	41	,	,	PUNCT
fsr-3146	126	42	the	the	DET
fsr-3146	126	43	first	first	ADJ
fsr-3146	126	44	day	day	NOUN
fsr-3146	126	45	return	return	NOUN
fsr-3146	126	46	on	on	ADP
fsr-3146	126	47	ipos	ipos	PROPN
fsr-3146	126	48	,	,	PUNCT
fsr-3146	126	49	ripo	ripo	PROPN
fsr-3146	126	50	,	,	PUNCT
fsr-3146	126	51	the	the	DET
fsr-3146	126	52	dividend	dividend	NOUN
fsr-3146	126	53	premium	premium	NOUN
fsr-3146	126	54	,	,	PUNCT
fsr-3146	126	55	pdnd	pdnd	NOUN
fsr-3146	126	56	,	,	PUNCT
fsr-3146	126	57	and	and	CCONJ
fsr-3146	126	58	the	the	DET
fsr-3146	126	59	equity	equity	NOUN
fsr-3146	126	60	share	share	NOUN
fsr-3146	126	61	in	in	ADP
fsr-3146	126	62	new	new	ADJ
fsr-3146	126	63	issues	issue	NOUN
fsr-3146	126	64	,	,	PUNCT
fsr-3146	126	65	s	s	AUX
fsr-3146	126	66	,	,	PUNCT
fsr-3146	126	67	as	as	ADP
fsr-3146	126	68	factors	factor	NOUN
fsr-3146	126	69	.	.	PUNCT
fsr-3146	127	1	the	the	DET
fsr-3146	127	2	index	index	NOUN
fsr-3146	127	3	is	be	AUX
fsr-3146	127	4	standardized	standardize	VERB
fsr-3146	127	5	to	to	PART
fsr-3146	127	6	have	have	VERB
fsr-3146	127	7	a	a	DET
fsr-3146	127	8	mean	mean	NOUN
fsr-3146	127	9	of	of	ADP
fsr-3146	127	10	zero	zero	NUM
fsr-3146	127	11	and	and	CCONJ
fsr-3146	127	12	a	a	DET
fsr-3146	127	13	variance	variance	NOUN
fsr-3146	127	14	of	of	ADP
fsr-3146	127	15	one	one	NUM
fsr-3146	127	16	(	(	PUNCT
fsr-3146	127	17	baker	baker	NOUN
fsr-3146	127	18	and	and	CCONJ
fsr-3146	127	19	wurgler	wurgler	NOUN
fsr-3146	127	20	,	,	PUNCT
fsr-3146	127	21	2007	2007	NUM
fsr-3146	127	22	)	)	PUNCT
fsr-3146	127	23	.	.	PUNCT
fsr-3146	128	1	eq	eq	X
fsr-3146	128	2	.	.	PUNCT
fsr-3146	129	1	(	(	PUNCT
fsr-3146	129	2	3	3	X
fsr-3146	129	3	)	)	PUNCT
fsr-3146	129	4	displays	display	VERB
fsr-3146	129	5	the	the	DET
fsr-3146	129	6	baker	baker	NOUN
fsr-3146	129	7	and	and	CCONJ
fsr-3146	129	8	wurgler	wurgler	PROPN
fsr-3146	129	9	(	(	PUNCT
fsr-3146	129	10	2007	2007	NUM
fsr-3146	129	11	)	)	PUNCT
fsr-3146	129	12	sentiment	sentiment	NOUN
fsr-3146	129	13	index	index	PROPN
fsr-3146	129	14	formula.4	formula.4	PROPN
fsr-3146	129	15	�	�	PROPN
fsr-3146	129	16	sentiment	sentiment	NOUN
fsr-3146	129	17	�	�	PROPN
fsr-3146	129	18	�	�	PROPN
fsr-3146	129	19	0.17	0.17	NUM
fsr-3146	129	20	�	�	PROPN
fsr-3146	129	21	cefd	cefd	PROPN
fsr-3146	129	22	�	�	PROPN
fsr-3146	129	23	0.32	0.32	NUM
fsr-3146	129	24	�	�	PROPN
fsr-3146	129	25	turn	turn	NOUN
fsr-3146	129	26	�	�	PROPN
fsr-3146	129	27	0.17	0.17	NUM
fsr-3146	129	28	�	�	PROPN
fsr-3146	129	29	nipo	nipo	PROPN
fsr-3146	129	30	�	�	PROPN
fsr-3146	129	31	0.41	0.41	NUM
fsr-3146	129	32	�	�	PROPN
fsr-3146	129	33	ripo	ripo	NOUN
fsr-3146	129	34	�	�	PROPN
fsr-3146	129	35	0.49pdnd	0.49pdnd	PROPN
fsr-3146	129	36	�	�	PROPN
fsr-3146	129	37	0.28	0.28	NUM
fsr-3146	129	38	�	�	PROPN
fsr-3146	129	39	s	s	PART
fsr-3146	129	40	(	(	PUNCT
fsr-3146	129	41	3	3	NUM
fsr-3146	129	42	)	)	PUNCT
fsr-3146	129	43	5	5	NUM
fsr-3146	129	44	.	.	PUNCT
fsr-3146	130	1	results	result	VERB
fsr-3146	130	2	descriptive	descriptive	ADJ
fsr-3146	130	3	statistics	statistic	NOUN
fsr-3146	130	4	on	on	ADP
fsr-3146	130	5	all	all	PRON
fsr-3146	130	6	of	of	ADP
fsr-3146	130	7	the	the	DET
fsr-3146	130	8	regression	regression	NOUN
fsr-3146	130	9	variables	variable	NOUN
fsr-3146	130	10	are	be	AUX
fsr-3146	130	11	reported	report	VERB
fsr-3146	130	12	in	in	ADP
fsr-3146	130	13	table	table	NOUN
fsr-3146	130	14	2	2	NUM
fsr-3146	130	15	.	.	PUNCT
fsr-3146	131	1	the	the	DET
fsr-3146	131	2	average	average	ADJ
fsr-3146	131	3	coefficient	coefficient	NOUN
fsr-3146	131	4	of	of	ADP
fsr-3146	131	5	loss	loss	NOUN
fsr-3146	131	6	aversion	aversion	NOUN
fsr-3146	131	7	was	be	AUX
fsr-3146	131	8	�	�	PROPN
fsr-3146	131	9	2.37	2.37	NUM
fsr-3146	131	10	,	,	PUNCT
fsr-3146	131	11	which	which	PRON
fsr-3146	131	12	is	be	AUX
fsr-3146	131	13	consistent	consistent	ADJ
fsr-3146	131	14	with	with	ADP
fsr-3146	131	15	the	the	DET
fsr-3146	131	16	prior	prior	ADJ
fsr-3146	131	17	literature	literature	NOUN
fsr-3146	131	18	(	(	PUNCT
fsr-3146	131	19	tversky	tversky	NOUN
fsr-3146	131	20	and	and	CCONJ
fsr-3146	131	21	kahneman	kahneman	NOUN
fsr-3146	131	22	,	,	PUNCT
fsr-3146	131	23	1992	1992	NUM
fsr-3146	131	24	;	;	PUNCT
fsr-3146	131	25	schmidt	schmidt	PROPN
fsr-3146	131	26	and	and	CCONJ
fsr-3146	131	27	traub	traub	PROPN
fsr-3146	131	28	,	,	PUNCT
fsr-3146	131	29	2002	2002	NUM
fsr-3146	131	30	;	;	PUNCT
fsr-3146	131	31	pennings	penning	NOUN
fsr-3146	131	32	and	and	CCONJ
fsr-3146	131	33	smidts	smidts	ADJ
fsr-3146	131	34	,	,	PUNCT
fsr-3146	131	35	2003	2003	NUM
fsr-3146	131	36	;	;	PUNCT
fsr-3146	131	37	booij	booij	NOUN
fsr-3146	131	38	and	and	CCONJ
fsr-3146	131	39	van	van	PROPN
fsr-3146	131	40	de	de	PROPN
fsr-3146	131	41	kuilen	kuilen	PROPN
fsr-3146	131	42	,	,	PUNCT
fsr-3146	131	43	2009	2009	NUM
fsr-3146	131	44	)	)	PUNCT
fsr-3146	131	45	.	.	PUNCT
fsr-3146	132	1	a	a	DET
fsr-3146	132	2	correlation	correlation	NOUN
fsr-3146	132	3	matrix	matrix	NOUN
fsr-3146	132	4	is	be	AUX
fsr-3146	132	5	displayed	display	VERB
fsr-3146	132	6	in	in	ADP
fsr-3146	132	7	table	table	NOUN
fsr-3146	132	8	3	3	NUM
fsr-3146	132	9	.	.	PUNCT
fsr-3146	133	1	the	the	DET
fsr-3146	133	2	highest	high	ADJ
fsr-3146	133	3	correlation	correlation	NOUN
fsr-3146	133	4	in	in	ADP
fsr-3146	133	5	the	the	DET
fsr-3146	133	6	table	table	NOUN
fsr-3146	133	7	2	2	NUM
fsr-3146	133	8	descriptive	descriptive	ADJ
fsr-3146	133	9	statistics	statistic	NOUN
fsr-3146	133	10	mrts	mrt	NOUN
fsr-3146	133	11	loss	loss	NOUN
fsr-3146	133	12	aversion	aversion	NOUN
fsr-3146	133	13	habit	habit	NOUN
fsr-3146	133	14	formation	formation	NOUN
fsr-3146	133	15	sentiment	sentiment	NOUN
fsr-3146	133	16	mean	mean	VERB
fsr-3146	133	17	53.2520	53.2520	NUM
fsr-3146	133	18	�	�	PROPN
fsr-3146	133	19	2.3652	2.3652	NUM
fsr-3146	133	20	0.7016	0.7016	NUM
fsr-3146	133	21	�	�	PROPN
fsr-3146	133	22	0.1124	0.1124	NUM
fsr-3146	133	23	�	�	PROPN
fsr-3146	133	24	0.9274	0.9274	NUM
fsr-3146	133	25	4.6431	4.6431	NUM
fsr-3146	133	26	0.0275	0.0275	NUM
fsr-3146	133	27	0.3324	0.3324	NUM
fsr-3146	133	28	75th	75th	ADJ
fsr-3146	133	29	percentile	percentile	ADJ
fsr-3146	133	30	53.9462	53.9462	NUM
fsr-3146	133	31	0.3154	0.3154	NUM
fsr-3146	133	32	0.7186	0.7186	NUM
fsr-3146	133	33	0.1200	0.1200	NUM
fsr-3146	133	34	median	median	NOUN
fsr-3146	133	35	53.2681	53.2681	NUM
fsr-3146	133	36	�	�	NOUN
fsr-3146	133	37	0.7262	0.7262	NUM
fsr-3146	133	38	0.7069	0.7069	NUM
fsr-3146	133	39	�	�	NOUN
fsr-3146	133	40	0.0530	0.0530	NUM
fsr-3146	133	41	25th	25th	NOUN
fsr-3146	133	42	percentile	percentile	ADJ
fsr-3146	133	43	52.5293	52.5293	NUM
fsr-3146	133	44	�	�	NOUN
fsr-3146	133	45	4.511	4.511	NUM
fsr-3146	133	46	0.6945	0.6945	NUM
fsr-3146	133	47	�	�	NOUN
fsr-3146	133	48	0.4070	0.4070	NUM
fsr-3146	133	49	minimum	minimum	ADJ
fsr-3146	133	50	51.1398	51.1398	NUM
fsr-3146	133	51	�	�	NOUN
fsr-3146	133	52	15.0205	15.0205	NUM
fsr-3146	133	53	0.6055	0.6055	NUM
fsr-3146	133	54	�	�	PROPN
fsr-3146	133	55	0.8070	0.8070	NUM
fsr-3146	133	56	maximum	maximum	ADJ
fsr-3146	133	57	55.2460	55.2460	NUM
fsr-3146	133	58	4.3936	4.3936	NUM
fsr-3146	133	59	0.7360	0.7360	NUM
fsr-3146	133	60	0.5380	0.5380	NUM
fsr-3146	133	61	212	212	NUM
fsr-3146	133	62	m.	m.	NOUN
fsr-3146	133	63	guillemette	guillemette	NOUN
fsr-3146	133	64	,	,	PUNCT
fsr-3146	133	65	d.	d.	PROPN
fsr-3146	133	66	nanigian	nanigian	PROPN
fsr-3146	133	67	/	/	SYM
fsr-3146	133	68	financial	financial	ADJ
fsr-3146	133	69	services	service	NOUN
fsr-3146	133	70	review	review	VERB
fsr-3146	133	71	23	23	NUM
fsr-3146	133	72	(	(	PUNCT
fsr-3146	133	73	2014	2014	NUM
fsr-3146	133	74	)	)	PUNCT
fsr-3146	134	1	207–218	207–218	NUM
fsr-3146	134	2	matrix	matrix	NOUN
fsr-3146	134	3	is	be	AUX
fsr-3146	134	4	between	between	ADP
fsr-3146	134	5	the	the	DET
fsr-3146	134	6	loss	loss	NOUN
fsr-3146	134	7	aversion	aversion	NOUN
fsr-3146	134	8	proxy	proxy	NOUN
fsr-3146	134	9	and	and	CCONJ
fsr-3146	134	10	mrts	mrt	NOUN
fsr-3146	134	11	.	.	PUNCT
fsr-3146	135	1	however	however	ADV
fsr-3146	135	2	,	,	PUNCT
fsr-3146	135	3	this	this	DET
fsr-3146	135	4	correlation	correlation	NOUN
fsr-3146	135	5	is	be	AUX
fsr-3146	135	6	only	only	ADV
fsr-3146	135	7	0.63	0.63	NUM
fsr-3146	135	8	,	,	PUNCT
fsr-3146	135	9	assuaging	assuage	VERB
fsr-3146	135	10	concerns	concern	NOUN
fsr-3146	135	11	of	of	ADP
fsr-3146	135	12	collinearity	collinearity	NOUN
fsr-3146	135	13	problems	problem	NOUN
fsr-3146	135	14	.	.	PUNCT
fsr-3146	136	1	a	a	DET
fsr-3146	136	2	shapiro	shapiro	PROPN
fsr-3146	136	3	-	-	PUNCT
fsr-3146	136	4	wilk	wilk	NOUN
fsr-3146	136	5	normality	normality	NOUN
fsr-3146	136	6	test	test	NOUN
fsr-3146	136	7	was	be	AUX
fsr-3146	136	8	run	run	VERB
fsr-3146	136	9	on	on	ADP
fsr-3146	136	10	mrts	mrt	NOUN
fsr-3146	136	11	.	.	PUNCT
fsr-3146	137	1	the	the	DET
fsr-3146	137	2	null	null	ADJ
fsr-3146	137	3	hypothesis	hypothesis	NOUN
fsr-3146	137	4	of	of	ADP
fsr-3146	137	5	a	a	DET
fsr-3146	137	6	normal	normal	ADJ
fsr-3146	137	7	distribution	distribution	NOUN
fsr-3146	137	8	was	be	AUX
fsr-3146	137	9	not	not	PART
fsr-3146	137	10	rejected	reject	VERB
fsr-3146	137	11	at	at	ADP
fsr-3146	137	12	conventional	conventional	ADJ
fsr-3146	137	13	confidence	confidence	NOUN
fsr-3146	137	14	levels	level	NOUN
fsr-3146	137	15	.	.	PUNCT
fsr-3146	138	1	mrts	mrt	NOUN
fsr-3146	138	2	for	for	ADP
fsr-3146	138	3	2,327	2,327	NUM
fsr-3146	138	4	individuals	individual	NOUN
fsr-3146	138	5	were	be	AUX
fsr-3146	138	6	analyzed	analyze	VERB
fsr-3146	138	7	immediately	immediately	ADV
fsr-3146	138	8	following	follow	VERB
fsr-3146	138	9	the	the	DET
fsr-3146	138	10	recent	recent	ADJ
fsr-3146	138	11	global	global	ADJ
fsr-3146	138	12	financial	financial	ADJ
fsr-3146	138	13	crisis	crisis	NOUN
fsr-3146	138	14	(	(	PUNCT
fsr-3146	138	15	gfc	gfc	NOUN
fsr-3146	138	16	)	)	PUNCT
fsr-3146	138	17	and	and	CCONJ
fsr-3146	138	18	lower	low	ADJ
fsr-3146	138	19	mrts	mrt	NOUN
fsr-3146	138	20	was	be	AUX
fsr-3146	138	21	found	find	VERB
fsr-3146	138	22	among	among	ADP
fsr-3146	138	23	respondents	respondent	NOUN
fsr-3146	138	24	who	who	PRON
fsr-3146	138	25	perceived	perceive	VERB
fsr-3146	138	26	the	the	DET
fsr-3146	138	27	stock	stock	NOUN
fsr-3146	138	28	market	market	NOUN
fsr-3146	138	29	to	to	PART
fsr-3146	138	30	be	be	AUX
fsr-3146	138	31	riskier	risky	ADJ
fsr-3146	138	32	than	than	SCONJ
fsr-3146	138	33	it	it	PRON
fsr-3146	138	34	was	be	AUX
fsr-3146	138	35	two	two	NUM
fsr-3146	138	36	years	year	NOUN
fsr-3146	138	37	ago	ago	ADV
fsr-3146	138	38	(	(	PUNCT
fsr-3146	138	39	gibson	gibson	PROPN
fsr-3146	138	40	,	,	PUNCT
fsr-3146	138	41	michayluk	michayluk	NOUN
fsr-3146	138	42	,	,	PUNCT
fsr-3146	138	43	and	and	CCONJ
fsr-3146	138	44	van	van	PROPN
fsr-3146	138	45	de	de	PROPN
fsr-3146	138	46	venter	venter	PROPN
fsr-3146	138	47	,	,	PUNCT
fsr-3146	138	48	2013	2013	NUM
fsr-3146	138	49	)	)	PUNCT
fsr-3146	138	50	.	.	PUNCT
fsr-3146	139	1	a	a	DET
fsr-3146	139	2	positive	positive	ADJ
fsr-3146	139	3	relation	relation	NOUN
fsr-3146	139	4	between	between	ADP
fsr-3146	139	5	mrts	mrt	NOUN
fsr-3146	139	6	and	and	CCONJ
fsr-3146	139	7	positive	positive	ADJ
fsr-3146	139	8	stock	stock	NOUN
fsr-3146	139	9	market	market	NOUN
fsr-3146	139	10	expectations	expectation	NOUN
fsr-3146	139	11	were	be	AUX
fsr-3146	139	12	also	also	ADV
fsr-3146	139	13	reported	report	VERB
fsr-3146	139	14	during	during	ADP
fsr-3146	139	15	the	the	DET
fsr-3146	139	16	gfc	gfc	NOUN
fsr-3146	139	17	(	(	PUNCT
fsr-3146	139	18	gibson	gibson	PROPN
fsr-3146	139	19	,	,	PUNCT
fsr-3146	139	20	michayluk	michayluk	NOUN
fsr-3146	139	21	,	,	PUNCT
fsr-3146	139	22	and	and	CCONJ
fsr-3146	139	23	van	van	PROPN
fsr-3146	139	24	de	de	PROPN
fsr-3146	139	25	venter	venter	PROPN
fsr-3146	139	26	,	,	PUNCT
fsr-3146	139	27	2013	2013	NUM
fsr-3146	139	28	)	)	PUNCT
fsr-3146	139	29	.	.	PUNCT
fsr-3146	140	1	mrts	mrt	NOUN
fsr-3146	140	2	was	be	AUX
fsr-3146	140	3	found	find	VERB
fsr-3146	140	4	to	to	PART
fsr-3146	140	5	be	be	AUX
fsr-3146	140	6	highly	highly	ADV
fsr-3146	140	7	correlated	correlate	VERB
fsr-3146	140	8	(	(	PUNCT
fsr-3146	140	9	0.90	0.90	NUM
fsr-3146	140	10	)	)	PUNCT
fsr-3146	140	11	with	with	ADP
fsr-3146	140	12	the	the	DET
fsr-3146	140	13	s&p	s&p	PROPN
fsr-3146	140	14	500	500	NUM
fsr-3146	140	15	during	during	ADP
fsr-3146	140	16	the	the	DET
fsr-3146	140	17	stock	stock	NOUN
fsr-3146	140	18	market	market	NOUN
fsr-3146	140	19	crash	crash	NOUN
fsr-3146	140	20	of	of	ADP
fsr-3146	140	21	2008–2009	2008–2009	NUM
fsr-3146	140	22	(	(	PUNCT
fsr-3146	140	23	guillemette	guillemette	NOUN
fsr-3146	140	24	and	and	CCONJ
fsr-3146	140	25	finke	finke	PROPN
fsr-3146	140	26	,	,	PUNCT
fsr-3146	140	27	2014	2014	NUM
fsr-3146	140	28	)	)	PUNCT
fsr-3146	140	29	.	.	PUNCT
fsr-3146	141	1	however	however	ADV
fsr-3146	141	2	,	,	PUNCT
fsr-3146	141	3	although	although	SCONJ
fsr-3146	141	4	risk	risk	NOUN
fsr-3146	141	5	tolerance	tolerance	NOUN
fsr-3146	141	6	was	be	AUX
fsr-3146	141	7	highly	highly	ADV
fsr-3146	141	8	correlated	correlate	VERB
fsr-3146	141	9	with	with	ADP
fsr-3146	141	10	equity	equity	NOUN
fsr-3146	141	11	market	market	NOUN
fsr-3146	141	12	returns	return	NOUN
fsr-3146	141	13	it	it	PRON
fsr-3146	141	14	only	only	ADV
fsr-3146	141	15	declined	decline	VERB
fsr-3146	141	16	5	5	NUM
fsr-3146	141	17	%	%	NOUN
fsr-3146	141	18	during	during	ADP
fsr-3146	141	19	the	the	DET
fsr-3146	141	20	global	global	ADJ
fsr-3146	141	21	financial	financial	ADJ
fsr-3146	141	22	crisis	crisis	NOUN
fsr-3146	141	23	,	,	PUNCT
fsr-3146	141	24	compared	compare	VERB
fsr-3146	141	25	with	with	ADP
fsr-3146	141	26	a	a	DET
fsr-3146	141	27	much	much	ADV
fsr-3146	141	28	greater	great	ADJ
fsr-3146	141	29	decline	decline	NOUN
fsr-3146	141	30	in	in	ADP
fsr-3146	141	31	dutch	dutch	ADJ
fsr-3146	141	32	stock	stock	NOUN
fsr-3146	141	33	market	market	NOUN
fsr-3146	141	34	returns	return	NOUN
fsr-3146	141	35	(	(	PUNCT
fsr-3146	141	36	hoffmann	hoffmann	PROPN
fsr-3146	141	37	,	,	PUNCT
fsr-3146	141	38	post	post	ADJ
fsr-3146	141	39	,	,	PUNCT
fsr-3146	141	40	and	and	CCONJ
fsr-3146	141	41	pennings	penning	NOUN
fsr-3146	141	42	,	,	PUNCT
fsr-3146	141	43	2013	2013	NUM
fsr-3146	141	44	)	)	PUNCT
fsr-3146	141	45	.	.	PUNCT
fsr-3146	142	1	if	if	SCONJ
fsr-3146	142	2	the	the	DET
fsr-3146	142	3	finametrica	finametrica	ADJ
fsr-3146	142	4	score	score	NOUN
fsr-3146	142	5	is	be	AUX
fsr-3146	142	6	used	use	VERB
fsr-3146	142	7	in	in	ADP
fsr-3146	142	8	a	a	DET
fsr-3146	142	9	linear	linear	ADJ
fsr-3146	142	10	manner	manner	NOUN
fsr-3146	142	11	to	to	PART
fsr-3146	142	12	determine	determine	VERB
fsr-3146	142	13	an	an	DET
fsr-3146	142	14	equity	equity	NOUN
fsr-3146	142	15	allocation	allocation	NOUN
fsr-3146	142	16	for	for	ADP
fsr-3146	142	17	a	a	DET
fsr-3146	142	18	client	client	NOUN
fsr-3146	142	19	,	,	PUNCT
fsr-3146	142	20	the	the	DET
fsr-3146	142	21	average	average	ADJ
fsr-3146	142	22	equity	equity	NOUN
fsr-3146	142	23	shift	shift	NOUN
fsr-3146	142	24	during	during	ADP
fsr-3146	142	25	the	the	DET
fsr-3146	142	26	gfc	gfc	NOUN
fsr-3146	142	27	would	would	AUX
fsr-3146	142	28	have	have	AUX
fsr-3146	142	29	been	be	AUX
fsr-3146	142	30	�	�	NOUN
fsr-3146	142	31	4	4	NUM
fsr-3146	142	32	%	%	NOUN
fsr-3146	142	33	.	.	PUNCT
fsr-3146	143	1	such	such	DET
fsr-3146	143	2	a	a	DET
fsr-3146	143	3	large	large	ADJ
fsr-3146	143	4	shift	shift	NOUN
fsr-3146	143	5	in	in	ADP
fsr-3146	143	6	one	one	NUM
fsr-3146	143	7	’s	’s	PART
fsr-3146	143	8	asset	asset	NOUN
fsr-3146	143	9	allocation	allocation	NOUN
fsr-3146	143	10	will	will	AUX
fsr-3146	143	11	have	have	VERB
fsr-3146	143	12	a	a	DET
fsr-3146	143	13	meaningful	meaningful	ADJ
fsr-3146	143	14	impact	impact	NOUN
fsr-3146	143	15	on	on	ADP
fsr-3146	143	16	wealth	wealth	NOUN
fsr-3146	143	17	outcomes	outcome	NOUN
fsr-3146	143	18	,	,	PUNCT
fsr-3146	143	19	especially	especially	ADV
fsr-3146	143	20	over	over	ADP
fsr-3146	143	21	longer	long	ADJ
fsr-3146	143	22	time	time	NOUN
fsr-3146	143	23	horizons	horizon	NOUN
fsr-3146	143	24	.	.	PUNCT
fsr-3146	144	1	table	table	NOUN
fsr-3146	144	2	4	4	NUM
fsr-3146	144	3	displays	display	VERB
fsr-3146	144	4	the	the	DET
fsr-3146	144	5	results	result	NOUN
fsr-3146	144	6	from	from	ADP
fsr-3146	144	7	ordinary	ordinary	ADJ
fsr-3146	144	8	least	least	ADJ
fsr-3146	144	9	squares	square	NOUN
fsr-3146	144	10	(	(	PUNCT
fsr-3146	144	11	ols	ol	NOUN
fsr-3146	144	12	)	)	PUNCT
fsr-3146	144	13	regressions	regression	NOUN
fsr-3146	144	14	of	of	ADP
fsr-3146	144	15	mrts	mrt	NOUN
fsr-3146	144	16	on	on	ADP
fsr-3146	144	17	the	the	DET
fsr-3146	144	18	hypothesized	hypothesized	ADJ
fsr-3146	144	19	factors	factor	NOUN
fsr-3146	144	20	that	that	PRON
fsr-3146	144	21	account	account	VERB
fsr-3146	144	22	for	for	ADP
fsr-3146	144	23	variation	variation	NOUN
fsr-3146	144	24	in	in	ADP
fsr-3146	144	25	risk	risk	NOUN
fsr-3146	144	26	tolerance	tolerance	NOUN
fsr-3146	144	27	.	.	PUNCT
fsr-3146	145	1	the	the	DET
fsr-3146	145	2	signs	sign	NOUN
fsr-3146	145	3	of	of	ADP
fsr-3146	145	4	the	the	DET
fsr-3146	145	5	parameter	parameter	NOUN
fsr-3146	145	6	estimates	estimate	NOUN
fsr-3146	145	7	are	be	AUX
fsr-3146	145	8	consistent	consistent	ADJ
fsr-3146	145	9	with	with	ADP
fsr-3146	145	10	theory	theory	NOUN
fsr-3146	145	11	for	for	ADP
fsr-3146	145	12	loss	loss	NOUN
fsr-3146	145	13	aversion	aversion	NOUN
fsr-3146	145	14	and	and	CCONJ
fsr-3146	145	15	sentiment	sentiment	NOUN
fsr-3146	145	16	.	.	PUNCT
fsr-3146	146	1	the	the	DET
fsr-3146	146	2	habit	habit	NOUN
fsr-3146	146	3	formation	formation	NOUN
fsr-3146	146	4	proxy	proxy	NOUN
fsr-3146	146	5	was	be	AUX
fsr-3146	146	6	not	not	PART
fsr-3146	146	7	statistically	statistically	ADV
fsr-3146	146	8	significant	significant	ADJ
fsr-3146	146	9	in	in	ADP
fsr-3146	146	10	any	any	DET
fsr-3146	146	11	model	model	NOUN
fsr-3146	146	12	.	.	PUNCT
fsr-3146	147	1	for	for	ADP
fsr-3146	147	2	a	a	DET
fsr-3146	147	3	prospect	prospect	NOUN
fsr-3146	147	4	theory	theory	NOUN
fsr-3146	147	5	utility	utility	NOUN
fsr-3146	147	6	function	function	NOUN
fsr-3146	147	7	that	that	PRON
fsr-3146	147	8	incorporates	incorporate	VERB
fsr-3146	147	9	the	the	DET
fsr-3146	147	10	house	house	NOUN
fsr-3146	147	11	money	money	NOUN
fsr-3146	147	12	effect	effect	NOUN
fsr-3146	147	13	,	,	PUNCT
fsr-3146	147	14	as	as	SCONJ
fsr-3146	147	15	�	�	PROPN
fsr-3146	147	16	increases	increase	NOUN
fsr-3146	147	17	,	,	PUNCT
fsr-3146	147	18	mrts	mrt	NOUN
fsr-3146	147	19	increases	increase	NOUN
fsr-3146	147	20	.	.	PUNCT
fsr-3146	148	1	the	the	DET
fsr-3146	148	2	sentiment	sentiment	NOUN
fsr-3146	148	3	index	index	NOUN
fsr-3146	148	4	is	be	AUX
fsr-3146	148	5	positively	positively	ADV
fsr-3146	148	6	associated	associate	VERB
fsr-3146	148	7	with	with	ADP
fsr-3146	148	8	mrts	mrt	NOUN
fsr-3146	148	9	.	.	PUNCT
fsr-3146	149	1	when	when	SCONJ
fsr-3146	149	2	each	each	PRON
fsr-3146	149	3	of	of	ADP
fsr-3146	149	4	the	the	DET
fsr-3146	149	5	three	three	NUM
fsr-3146	149	6	hypothesized	hypothesized	ADJ
fsr-3146	149	7	determinants	determinant	NOUN
fsr-3146	149	8	of	of	ADP
fsr-3146	149	9	mrts	mrt	NOUN
fsr-3146	149	10	are	be	AUX
fsr-3146	149	11	examined	examine	VERB
fsr-3146	149	12	in	in	ADP
fsr-3146	149	13	separate	separate	ADJ
fsr-3146	149	14	univariate	univariate	ADJ
fsr-3146	149	15	regressions	regression	NOUN
fsr-3146	149	16	(	(	PUNCT
fsr-3146	149	17	columns	column	NOUN
fsr-3146	149	18	1–3	1–3	NUM
fsr-3146	149	19	)	)	PUNCT
fsr-3146	149	20	,	,	PUNCT
fsr-3146	149	21	the	the	DET
fsr-3146	149	22	loss	loss	NOUN
fsr-3146	149	23	aversion	aversion	NOUN
fsr-3146	149	24	proxy	proxy	NOUN
fsr-3146	149	25	explains	explain	VERB
fsr-3146	149	26	the	the	DET
fsr-3146	149	27	greatest	great	ADJ
fsr-3146	149	28	amount	amount	NOUN
fsr-3146	149	29	of	of	ADP
fsr-3146	149	30	the	the	DET
fsr-3146	149	31	variation	variation	NOUN
fsr-3146	149	32	in	in	ADP
fsr-3146	149	33	mrts	mrt	NOUN
fsr-3146	149	34	.	.	PUNCT
fsr-3146	150	1	this	this	PRON
fsr-3146	150	2	is	be	AUX
fsr-3146	150	3	evidenced	evidence	VERB
fsr-3146	150	4	by	by	ADP
fsr-3146	150	5	the	the	DET
fsr-3146	150	6	largest	large	ADJ
fsr-3146	150	7	adjusted	adjusted	ADJ
fsr-3146	150	8	r2	r2	NOUN
fsr-3146	150	9	value	value	NOUN
fsr-3146	150	10	(	(	PUNCT
fsr-3146	150	11	0.3851	0.3851	NUM
fsr-3146	150	12	)	)	PUNCT
fsr-3146	150	13	among	among	ADP
fsr-3146	150	14	the	the	DET
fsr-3146	150	15	three	three	NUM
fsr-3146	150	16	univariate	univariate	ADJ
fsr-3146	150	17	regressions	regression	NOUN
fsr-3146	150	18	.	.	PUNCT
fsr-3146	151	1	overall	overall	ADJ
fsr-3146	151	2	,	,	PUNCT
fsr-3146	151	3	loss	loss	NOUN
fsr-3146	151	4	aversion	aversion	NOUN
fsr-3146	151	5	and	and	CCONJ
fsr-3146	151	6	sentiment	sentiment	NOUN
fsr-3146	151	7	contribute	contribute	VERB
fsr-3146	151	8	meaningfully	meaningfully	ADV
fsr-3146	151	9	to	to	ADP
fsr-3146	151	10	explaining	explain	VERB
fsr-3146	151	11	variation	variation	NOUN
fsr-3146	151	12	in	in	ADP
fsr-3146	151	13	mrts	mrt	NOUN
fsr-3146	151	14	.	.	PUNCT
fsr-3146	152	1	this	this	PRON
fsr-3146	152	2	is	be	AUX
fsr-3146	152	3	evidenced	evidence	VERB
fsr-3146	152	4	by	by	ADP
fsr-3146	152	5	the	the	DET
fsr-3146	152	6	adjusted	adjust	VERB
fsr-3146	152	7	r2	r2	NOUN
fsr-3146	152	8	value	value	NOUN
fsr-3146	152	9	of	of	ADP
fsr-3146	152	10	our	our	PRON
fsr-3146	152	11	regression	regression	NOUN
fsr-3146	152	12	model	model	NOUN
fsr-3146	152	13	improving	improve	VERB
fsr-3146	152	14	from	from	ADP
fsr-3146	152	15	0.3851	0.3851	NUM
fsr-3146	152	16	(	(	PUNCT
fsr-3146	152	17	column	column	NOUN
fsr-3146	152	18	2	2	NUM
fsr-3146	152	19	)	)	PUNCT
fsr-3146	152	20	to	to	ADP
fsr-3146	152	21	0.4107	0.4107	NUM
fsr-3146	152	22	(	(	PUNCT
fsr-3146	152	23	column	column	NOUN
fsr-3146	152	24	7	7	NUM
fsr-3146	152	25	)	)	PUNCT
fsr-3146	152	26	when	when	SCONJ
fsr-3146	152	27	the	the	DET
fsr-3146	152	28	loss	loss	NOUN
fsr-3146	152	29	aversion	aversion	NOUN
fsr-3146	152	30	and	and	CCONJ
fsr-3146	152	31	sentiment	sentiment	NOUN
fsr-3146	152	32	variables	variable	NOUN
fsr-3146	152	33	are	be	AUX
fsr-3146	152	34	added	add	VERB
fsr-3146	152	35	to	to	ADP
fsr-3146	152	36	the	the	DET
fsr-3146	152	37	plain	plain	ADJ
fsr-3146	152	38	vanilla	vanilla	NOUN
fsr-3146	152	39	model	model	NOUN
fsr-3146	152	40	with	with	ADP
fsr-3146	152	41	only	only	ADV
fsr-3146	152	42	the	the	DET
fsr-3146	152	43	loss	loss	NOUN
fsr-3146	152	44	aversion	aversion	NOUN
fsr-3146	152	45	proxy	proxy	NOUN
fsr-3146	152	46	.	.	PUNCT
fsr-3146	153	1	the	the	DET
fsr-3146	153	2	values	value	NOUN
fsr-3146	153	3	of	of	ADP
fsr-3146	153	4	our	our	PRON
fsr-3146	153	5	dependent	dependent	ADJ
fsr-3146	153	6	variable	variable	ADJ
fsr-3146	153	7	fall	fall	NOUN
fsr-3146	153	8	within	within	ADP
fsr-3146	153	9	a	a	DET
fsr-3146	153	10	finite	finite	ADJ
fsr-3146	153	11	range	range	NOUN
fsr-3146	153	12	.	.	PUNCT
fsr-3146	154	1	therefore	therefore	ADV
fsr-3146	154	2	,	,	PUNCT
fsr-3146	154	3	we	we	PRON
fsr-3146	154	4	also	also	ADV
fsr-3146	154	5	examine	examine	VERB
fsr-3146	154	6	the	the	DET
fsr-3146	154	7	results	result	NOUN
fsr-3146	154	8	from	from	ADP
fsr-3146	154	9	a	a	DET
fsr-3146	154	10	�	�	PROPN
fsr-3146	154	11	regression	regression	NOUN
fsr-3146	154	12	model	model	NOUN
fsr-3146	154	13	with	with	ADP
fsr-3146	154	14	a	a	DET
fsr-3146	154	15	logit	logit	PROPN
fsr-3146	154	16	link	link	NOUN
fsr-3146	154	17	specification	specification	NOUN
fsr-3146	154	18	.	.	PUNCT
fsr-3146	155	1	a	a	DET
fsr-3146	155	2	�	�	PROPN
fsr-3146	155	3	regression	regression	NOUN
fsr-3146	155	4	model	model	NOUN
fsr-3146	155	5	is	be	AUX
fsr-3146	155	6	a	a	DET
fsr-3146	155	7	generalized	generalized	ADJ
fsr-3146	155	8	linear	linear	ADJ
fsr-3146	155	9	model	model	NOUN
fsr-3146	155	10	for	for	ADP
fsr-3146	155	11	dependent	dependent	ADJ
fsr-3146	155	12	variables	variable	NOUN
fsr-3146	155	13	that	that	PRON
fsr-3146	155	14	are	be	AUX
fsr-3146	155	15	marginally	marginally	ADV
fsr-3146	155	16	distributed	distribute	VERB
fsr-3146	155	17	following	follow	VERB
fsr-3146	155	18	a	a	DET
fsr-3146	155	19	�	�	PROPN
fsr-3146	155	20	distribution	distribution	NOUN
fsr-3146	155	21	.	.	PUNCT
fsr-3146	156	1	the	the	DET
fsr-3146	156	2	model	model	NOUN
fsr-3146	156	3	was	be	AUX
fsr-3146	156	4	originally	originally	ADV
fsr-3146	156	5	designed	design	VERB
fsr-3146	156	6	for	for	ADP
fsr-3146	156	7	percentage	percentage	NOUN
fsr-3146	156	8	data	datum	NOUN
fsr-3146	156	9	that	that	PRON
fsr-3146	156	10	range	range	VERB
fsr-3146	156	11	from	from	ADP
fsr-3146	156	12	0	0	NUM
fsr-3146	156	13	to	to	PART
fsr-3146	156	14	100	100	NUM
fsr-3146	156	15	%	%	NOUN
fsr-3146	156	16	.	.	PUNCT
fsr-3146	157	1	the	the	DET
fsr-3146	157	2	mrts	mrt	NOUN
fsr-3146	157	3	variable	variable	NOUN
fsr-3146	157	4	is	be	AUX
fsr-3146	157	5	scaled	scale	VERB
fsr-3146	157	6	by	by	ADP
fsr-3146	157	7	a	a	DET
fsr-3146	157	8	factor	factor	NOUN
fsr-3146	157	9	of	of	ADP
fsr-3146	157	10	1/100	1/100	NUM
fsr-3146	157	11	to	to	PART
fsr-3146	157	12	conform	conform	VERB
fsr-3146	157	13	to	to	ADP
fsr-3146	157	14	the	the	DET
fsr-3146	157	15	parameters	parameter	NOUN
fsr-3146	157	16	of	of	ADP
fsr-3146	157	17	a	a	DET
fsr-3146	157	18	�	�	PROPN
fsr-3146	157	19	distribution	distribution	NOUN
fsr-3146	157	20	.	.	PUNCT
fsr-3146	158	1	the	the	DET
fsr-3146	158	2	�	�	PROPN
fsr-3146	158	3	regression	regression	NOUN
fsr-3146	158	4	model	model	NOUN
fsr-3146	158	5	results	result	NOUN
fsr-3146	158	6	,	,	PUNCT
fsr-3146	158	7	which	which	PRON
fsr-3146	158	8	are	be	AUX
fsr-3146	158	9	displayed	display	VERB
fsr-3146	158	10	in	in	ADP
fsr-3146	158	11	table	table	NOUN
fsr-3146	158	12	5	5	NUM
fsr-3146	158	13	,	,	PUNCT
fsr-3146	158	14	are	be	AUX
fsr-3146	158	15	consistent	consistent	ADJ
fsr-3146	158	16	with	with	ADP
fsr-3146	158	17	the	the	DET
fsr-3146	158	18	ols	ol	NOUN
fsr-3146	158	19	results	result	NOUN
fsr-3146	158	20	.	.	PUNCT
fsr-3146	159	1	table	table	NOUN
fsr-3146	159	2	3	3	NUM
fsr-3146	159	3	correlation	correlation	NOUN
fsr-3146	159	4	matrix	matrix	NOUN
fsr-3146	159	5	invc	invc	NOUN
fsr-3146	159	6	sentiment	sentiment	NOUN
fsr-3146	159	7	loss	loss	NOUN
fsr-3146	159	8	aversion	aversion	NOUN
fsr-3146	159	9	mrts	mrt	NOUN
fsr-3146	159	10	invc	invc	VERB
fsr-3146	159	11	1.0000	1.0000	NUM
fsr-3146	159	12	0.3396	0.3396	NUM
fsr-3146	159	13	*	*	PUNCT
fsr-3146	159	14	*	*	PUNCT
fsr-3146	159	15	�	�	PROPN
fsr-3146	159	16	0.1607	0.1607	NUM
fsr-3146	159	17	0.0014	0.0014	NUM
fsr-3146	159	18	sentiment	sentiment	NOUN
fsr-3146	159	19	0.3396	0.3396	NUM
fsr-3146	159	20	*	*	PUNCT
fsr-3146	159	21	*	*	PUNCT
fsr-3146	159	22	1.0000	1.0000	NUM
fsr-3146	159	23	0.3332	0.3332	NUM
fsr-3146	159	24	*	*	PUNCT
fsr-3146	159	25	*	*	PUNCT
fsr-3146	159	26	0.3758	0.3758	NUM
fsr-3146	159	27	*	*	NOUN
fsr-3146	159	28	*	*	NOUN
fsr-3146	159	29	loss	loss	NOUN
fsr-3146	159	30	aversion	aversion	NOUN
fsr-3146	159	31	�	�	PROPN
fsr-3146	159	32	0.1607	0.1607	NOUN
fsr-3146	159	33	0.3332	0.3332	PUNCT
fsr-3146	159	34	*	*	PUNCT
fsr-3146	159	35	*	*	PROPN
fsr-3146	159	36	1.0000	1.0000	NUM
fsr-3146	159	37	0.6258	0.6258	NUM
fsr-3146	159	38	*	*	PUNCT
fsr-3146	159	39	*	*	PROPN
fsr-3146	159	40	mrts	mrt	NOUN
fsr-3146	159	41	0.0014	0.0014	NUM
fsr-3146	159	42	0.3758	0.3758	NUM
fsr-3146	159	43	*	*	PUNCT
fsr-3146	159	44	*	*	PUNCT
fsr-3146	159	45	0.6258	0.6258	NUM
fsr-3146	159	46	*	*	PUNCT
fsr-3146	159	47	*	*	PUNCT
fsr-3146	159	48	1.0000	1.0000	NUM
fsr-3146	159	49	*	*	PUNCT
fsr-3146	159	50	p	p	PROPN
fsr-3146	159	51	�	�	PROPN
fsr-3146	159	52	0.05	0.05	NUM
fsr-3146	159	53	.	.	PUNCT
fsr-3146	160	1	*	*	PUNCT
fsr-3146	160	2	*	*	PUNCT
fsr-3146	160	3	p	p	X
fsr-3146	160	4	�	�	PROPN
fsr-3146	160	5	0.01	0.01	NUM
fsr-3146	160	6	.	.	PUNCT
fsr-3146	161	1	213	213	NUM
fsr-3146	161	2	m.	m.	NOUN
fsr-3146	161	3	guillemette	guillemette	NOUN
fsr-3146	161	4	,	,	PUNCT
fsr-3146	161	5	d.	d.	PROPN
fsr-3146	161	6	nanigian	nanigian	PROPN
fsr-3146	161	7	/	/	SYM
fsr-3146	161	8	financial	financial	ADJ
fsr-3146	161	9	services	service	NOUN
fsr-3146	161	10	review	review	VERB
fsr-3146	161	11	23	23	NUM
fsr-3146	161	12	(	(	PUNCT
fsr-3146	161	13	2014	2014	NUM
fsr-3146	161	14	)	)	PUNCT
fsr-3146	162	1	207–218	207–218	NUM
fsr-3146	162	2	t	t	NOUN
fsr-3146	162	3	ab	ab	X
fsr-3146	162	4	le	le	PROPN
fsr-3146	162	5	4	4	NUM
fsr-3146	162	6	v	v	PROPN
fsr-3146	162	7	ar	ar	PROPN
fsr-3146	162	8	ia	ia	PROPN
fsr-3146	162	9	ti	ti	X
fsr-3146	162	10	on	on	ADP
fsr-3146	162	11	in	in	ADP
fsr-3146	162	12	m	m	PROPN
fsr-3146	162	13	r	r	NOUN
fsr-3146	162	14	t	t	NOUN
fsr-3146	162	15	s	s	PART
fsr-3146	162	16	–	–	PUNCT
fsr-3146	162	17	o	o	X
fsr-3146	162	18	l	l	NOUN
fsr-3146	162	19	s	s	NOUN
fsr-3146	162	20	m	m	VERB
fsr-3146	162	21	od	od	PROPN
fsr-3146	162	22	el	el	PROPN
fsr-3146	162	23	m	m	PROPN
fsr-3146	162	24	od	od	PROPN
fsr-3146	162	25	el	el	PROPN
fsr-3146	162	26	(	(	PUNCT
fsr-3146	162	27	1	1	NUM
fsr-3146	162	28	)	)	PUNCT
fsr-3146	162	29	(	(	PUNCT
fsr-3146	162	30	2	2	X
fsr-3146	162	31	)	)	PUNCT
fsr-3146	162	32	(	(	PUNCT
fsr-3146	162	33	3	3	X
fsr-3146	162	34	)	)	PUNCT
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fsr-3146	162	43	)	)	PUNCT
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fsr-3146	162	58	8)	8)	NUM
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fsr-3146	162	85	8)	8)	NUM
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fsr-3146	165	7	)	)	PUNCT
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fsr-3146	165	9	.	.	X
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fsr-3146	166	7	)	)	PUNCT
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fsr-3146	168	7	)	)	PUNCT
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fsr-3146	168	9	.	.	X
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fsr-3146	168	17	8)	8)	NUM
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fsr-3146	170	30	)	)	PUNCT
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fsr-3146	191	1	75	75	NUM
fsr-3146	191	2	*	*	PUNCT
fsr-3146	191	3	*	*	PUNCT
fsr-3146	191	4	(	(	PUNCT
fsr-3146	191	5	4	4	NUM
fsr-3146	191	6	.2	.2	NUM
fsr-3146	191	7	6	6	NUM
fsr-3146	191	8	)	)	PUNCT
fsr-3146	191	9	0	0	NUM
fsr-3146	191	10	.	.	PROPN
fsr-3146	192	1	01	01	NUM
fsr-3146	192	2	93	93	NUM
fsr-3146	192	3	(	(	PUNCT
fsr-3146	192	4	1	1	NUM
fsr-3146	192	5	.9	.9	NUM
fsr-3146	192	6	0	0	NUM
fsr-3146	192	7	)	)	PUNCT
fsr-3146	192	8	0	0	NUM
fsr-3146	192	9	.	.	PUNCT
fsr-3146	193	1	02	02	NUM
fsr-3146	193	2	11	11	NUM
fsr-3146	193	3	*	*	PUNCT
fsr-3146	193	4	(	(	PUNCT
fsr-3146	193	5	2	2	NUM
fsr-3146	193	6	.2	.2	NUM
fsr-3146	193	7	9	9	NUM
fsr-3146	193	8	)	)	PUNCT
fsr-3146	193	9	c	c	NOUN
fsr-3146	193	10	on	on	ADP
fsr-3146	193	11	st	st	PROPN
fsr-3146	193	12	an	an	DET
fsr-3146	193	13	t	t	PROPN
fsr-3146	193	14	0	0	NUM
fsr-3146	193	15	.	.	PROPN
fsr-3146	193	16	12	12	NUM
fsr-3146	193	17	90	90	NUM
fsr-3146	193	18	(	(	PUNCT
fsr-3146	193	19	1	1	NUM
fsr-3146	193	20	.3	.3	NUM
fsr-3146	193	21	3	3	NUM
fsr-3146	193	22	)	)	PUNCT
fsr-3146	193	23	0	0	NUM
fsr-3146	193	24	.	.	PROPN
fsr-3146	194	1	14	14	NUM
fsr-3146	194	2	22	22	NUM
fsr-3146	195	1	*	*	PUNCT
fsr-3146	195	2	*	*	PUNCT
fsr-3146	195	3	(	(	PUNCT
fsr-3146	195	4	4	4	NUM
fsr-3146	195	5	2	2	NUM
fsr-3146	195	6	.	.	NUM
fsr-3146	195	7	89	89	NUM
fsr-3146	195	8	)	)	PUNCT
fsr-3146	195	9	0	0	NUM
fsr-3146	195	10	.	.	X
fsr-3146	195	11	13	13	NUM
fsr-3146	195	12	50	50	NUM
fsr-3146	195	13	*	*	PUNCT
fsr-3146	195	14	*	*	PUNCT
fsr-3146	195	15	(	(	PUNCT
fsr-3146	195	16	3	3	NUM
fsr-3146	195	17	6	6	NUM
fsr-3146	195	18	.	.	NUM
fsr-3146	195	19	47	47	NUM
fsr-3146	195	20	)	)	PUNCT
fsr-3146	195	21	0	0	NUM
fsr-3146	195	22	.	.	X
fsr-3146	195	23	04	04	NUM
fsr-3146	196	1	30	30	NUM
fsr-3146	196	2	(	(	PUNCT
fsr-3146	196	3	0	0	NUM
fsr-3146	196	4	.5	.5	NUM
fsr-3146	196	5	7	7	NUM
fsr-3146	196	6	)	)	PUNCT
fsr-3146	196	7	0	0	NUM
fsr-3146	196	8	.	.	X
fsr-3146	197	1	27	27	NUM
fsr-3146	197	2	12	12	NUM
fsr-3146	197	3	*	*	PUNCT
fsr-3146	197	4	*	*	PUNCT
fsr-3146	197	5	(	(	PUNCT
fsr-3146	197	6	2	2	NUM
fsr-3146	197	7	.8	.8	NUM
fsr-3146	197	8	5	5	NUM
fsr-3146	197	9	)	)	PUNCT
fsr-3146	197	10	0	0	NUM
fsr-3146	197	11	.	.	PROPN
fsr-3146	197	12	11	11	NUM
fsr-3146	197	13	00	00	PUNCT
fsr-3146	198	1	(	(	PUNCT
fsr-3146	198	2	1	1	NUM
fsr-3146	198	3	.3	.3	NUM
fsr-3146	198	4	4	4	NUM
fsr-3146	198	5	)	)	PUNCT
fsr-3146	198	6	0	0	NUM
fsr-3146	198	7	.	.	X
fsr-3146	199	1	14	14	NUM
fsr-3146	199	2	33	33	NUM
fsr-3146	199	3	*	*	PUNCT
fsr-3146	200	1	*	*	PUNCT
fsr-3146	200	2	(	(	PUNCT
fsr-3146	200	3	4	4	NUM
fsr-3146	200	4	3	3	NUM
fsr-3146	200	5	.	.	NOUN
fsr-3146	200	6	85	85	NUM
fsr-3146	200	7	)	)	PUNCT
fsr-3146	200	8	ln	ln	NOUN
fsr-3146	200	9	l	l	NOUN
fsr-3146	200	10	31	31	NUM
fsr-3146	200	11	4	4	NUM
fsr-3146	200	12	33	33	NUM
fsr-3146	200	13	7	7	NUM
fsr-3146	200	14	32	32	NUM
fsr-3146	200	15	1	1	NUM
fsr-3146	200	16	33	33	NUM
fsr-3146	200	17	8	8	NUM
fsr-3146	200	18	32	32	NUM
fsr-3146	200	19	2	2	NUM
fsr-3146	200	20	34	34	NUM
fsr-3146	200	21	0	0	NUM
fsr-3146	200	22	34	34	NUM
fsr-3146	200	23	0	0	NUM
fsr-3146	200	24	a	a	DET
fsr-3146	200	25	ic	ic	PROPN
fsr-3146	200	26	�	�	PROPN
fsr-3146	200	27	62	62	NUM
fsr-3146	200	28	1	1	NUM
fsr-3146	200	29	�	�	PROPN
fsr-3146	200	30	66	66	NUM
fsr-3146	200	31	9	9	NUM
fsr-3146	200	32	�	�	PROPN
fsr-3146	200	33	63	63	NUM
fsr-3146	200	34	6	6	NUM
fsr-3146	200	35	�	�	PROPN
fsr-3146	200	36	66	66	NUM
fsr-3146	200	37	9	9	NUM
fsr-3146	200	38	�	�	PROPN
fsr-3146	200	39	63	63	NUM
fsr-3146	200	40	6	6	NUM
fsr-3146	200	41	�	�	PROPN
fsr-3146	200	42	67	67	NUM
fsr-3146	200	43	0	0	NUM
fsr-3146	200	44	�	�	PROPN
fsr-3146	200	45	67	67	NUM
fsr-3146	200	46	2	2	NUM
fsr-3146	200	47	o	o	NOUN
fsr-3146	200	48	bs	bs	INTJ
fsr-3146	200	49	er	er	INTJ
fsr-3146	200	50	va	va	NOUN
fsr-3146	200	51	ti	ti	NOUN
fsr-3146	200	52	on	on	ADP
fsr-3146	200	53	s	s	PROPN
fsr-3146	200	54	96	96	NUM
fsr-3146	200	55	96	96	NUM
fsr-3146	200	56	96	96	NUM
fsr-3146	200	57	96	96	NUM
fsr-3146	200	58	96	96	NUM
fsr-3146	200	59	96	96	NUM
fsr-3146	200	60	96	96	NUM
fsr-3146	200	61	*	*	PUNCT
fsr-3146	200	62	p	p	X
fsr-3146	200	63	�	�	PROPN
fsr-3146	200	64	0	0	NUM
fsr-3146	200	65	.	.	NUM
fsr-3146	201	1	05	05	NUM
fsr-3146	201	2	.	.	PUNCT
fsr-3146	202	1	*	*	PUNCT
fsr-3146	202	2	*	*	PUNCT
fsr-3146	202	3	p	p	X
fsr-3146	202	4	�	�	PROPN
fsr-3146	202	5	0	0	NUM
fsr-3146	202	6	.	.	PROPN
fsr-3146	203	1	01	01	NUM
fsr-3146	203	2	.	.	PUNCT
fsr-3146	204	1	214	214	NUM
fsr-3146	204	2	m.	m.	NOUN
fsr-3146	204	3	guillemette	guillemette	NOUN
fsr-3146	204	4	,	,	PUNCT
fsr-3146	204	5	d.	d.	PROPN
fsr-3146	204	6	nanigian	nanigian	PROPN
fsr-3146	204	7	/	/	SYM
fsr-3146	204	8	financial	financial	ADJ
fsr-3146	204	9	services	service	NOUN
fsr-3146	204	10	review	review	VERB
fsr-3146	204	11	23	23	NUM
fsr-3146	204	12	(	(	PUNCT
fsr-3146	204	13	2014	2014	NUM
fsr-3146	204	14	)	)	PUNCT
fsr-3146	205	1	207–218	207–218	NUM
fsr-3146	205	2	6	6	NUM
fsr-3146	205	3	.	.	PUNCT
fsr-3146	205	4	conclusions	conclusion	NOUN
fsr-3146	205	5	loss	loss	VERB
fsr-3146	205	6	aversion	aversion	NOUN
fsr-3146	205	7	and	and	CCONJ
fsr-3146	205	8	sentiment	sentiment	NOUN
fsr-3146	205	9	accounted	account	VERB
fsr-3146	205	10	for	for	ADP
fsr-3146	205	11	significant	significant	ADJ
fsr-3146	205	12	variation	variation	NOUN
fsr-3146	205	13	in	in	ADP
fsr-3146	205	14	mrts	mrt	NOUN
fsr-3146	205	15	from	from	ADP
fsr-3146	205	16	2003	2003	NUM
fsr-3146	205	17	to	to	ADP
fsr-3146	205	18	2010	2010	NUM
fsr-3146	205	19	.	.	PUNCT
fsr-3146	206	1	loss	loss	NOUN
fsr-3146	206	2	aversion	aversion	NOUN
fsr-3146	206	3	and	and	CCONJ
fsr-3146	206	4	sentiment	sentiment	NOUN
fsr-3146	206	5	accounted	account	VERB
fsr-3146	206	6	for	for	ADP
fsr-3146	206	7	41.07	41.07	NUM
fsr-3146	206	8	%	%	NOUN
fsr-3146	206	9	of	of	ADP
fsr-3146	206	10	the	the	DET
fsr-3146	206	11	variation	variation	NOUN
fsr-3146	206	12	in	in	ADP
fsr-3146	206	13	mrts	mrt	NOUN
fsr-3146	206	14	.	.	PUNCT
fsr-3146	207	1	when	when	SCONJ
fsr-3146	207	2	the	the	DET
fsr-3146	207	3	habit	habit	NOUN
fsr-3146	207	4	formation	formation	NOUN
fsr-3146	207	5	proxy	proxy	NOUN
fsr-3146	207	6	was	be	AUX
fsr-3146	207	7	added	add	VERB
fsr-3146	207	8	to	to	ADP
fsr-3146	207	9	the	the	DET
fsr-3146	207	10	model	model	NOUN
fsr-3146	207	11	with	with	ADP
fsr-3146	207	12	loss	loss	NOUN
fsr-3146	207	13	aversion	aversion	NOUN
fsr-3146	207	14	and	and	CCONJ
fsr-3146	207	15	sentiment	sentiment	NOUN
fsr-3146	207	16	it	it	PRON
fsr-3146	207	17	did	do	AUX
fsr-3146	207	18	not	not	PART
fsr-3146	207	19	account	account	VERB
fsr-3146	207	20	for	for	ADP
fsr-3146	207	21	additional	additional	ADJ
fsr-3146	207	22	variation	variation	NOUN
fsr-3146	207	23	in	in	ADP
fsr-3146	207	24	mrts	mrt	NOUN
fsr-3146	207	25	.	.	PUNCT
fsr-3146	208	1	this	this	DET
fsr-3146	208	2	time	time	NOUN
fsr-3146	208	3	period	period	NOUN
fsr-3146	208	4	,	,	PUNCT
fsr-3146	208	5	while	while	SCONJ
fsr-3146	208	6	relatively	relatively	ADV
fsr-3146	208	7	short	short	ADJ
fsr-3146	208	8	,	,	PUNCT
fsr-3146	208	9	is	be	AUX
fsr-3146	208	10	important	important	ADJ
fsr-3146	208	11	because	because	SCONJ
fsr-3146	208	12	it	it	PRON
fsr-3146	208	13	encompassed	encompass	VERB
fsr-3146	208	14	the	the	DET
fsr-3146	208	15	greatest	great	ADJ
fsr-3146	208	16	financial	financial	ADJ
fsr-3146	208	17	panic	panic	NOUN
fsr-3146	208	18	since	since	SCONJ
fsr-3146	208	19	the	the	DET
fsr-3146	208	20	great	great	ADJ
fsr-3146	208	21	depression	depression	NOUN
fsr-3146	208	22	.	.	PUNCT
fsr-3146	209	1	analysis	analysis	NOUN
fsr-3146	209	2	over	over	ADP
fsr-3146	209	3	a	a	DET
fsr-3146	209	4	longer	long	ADJ
fsr-3146	209	5	time	time	NOUN
fsr-3146	209	6	period	period	NOUN
fsr-3146	209	7	,	,	PUNCT
fsr-3146	209	8	if	if	SCONJ
fsr-3146	209	9	and	and	CCONJ
fsr-3146	209	10	when	when	SCONJ
fsr-3146	209	11	a	a	DET
fsr-3146	209	12	longer	long	ADJ
fsr-3146	209	13	time	time	NOUN
fsr-3146	209	14	-	-	PUNCT
fsr-3146	209	15	series	series	NOUN
fsr-3146	209	16	of	of	ADP
fsr-3146	209	17	data	datum	NOUN
fsr-3146	209	18	becomes	become	VERB
fsr-3146	209	19	available	available	ADJ
fsr-3146	209	20	,	,	PUNCT
fsr-3146	209	21	would	would	AUX
fsr-3146	209	22	be	be	AUX
fsr-3146	209	23	an	an	DET
fsr-3146	209	24	interesting	interesting	ADJ
fsr-3146	209	25	extension	extension	NOUN
fsr-3146	209	26	for	for	ADP
fsr-3146	209	27	future	future	ADJ
fsr-3146	209	28	research	research	NOUN
fsr-3146	209	29	.	.	PUNCT
fsr-3146	210	1	it	it	PRON
fsr-3146	210	2	is	be	AUX
fsr-3146	210	3	in	in	ADP
fsr-3146	210	4	time	time	NOUN
fsr-3146	210	5	periods	period	NOUN
fsr-3146	210	6	such	such	ADJ
fsr-3146	210	7	as	as	ADP
fsr-3146	210	8	these	these	PRON
fsr-3146	210	9	where	where	SCONJ
fsr-3146	210	10	the	the	DET
fsr-3146	210	11	assessment	assessment	NOUN
fsr-3146	210	12	of	of	ADP
fsr-3146	210	13	how	how	SCONJ
fsr-3146	210	14	a	a	DET
fsr-3146	210	15	client	client	NOUN
fsr-3146	210	16	will	will	AUX
fsr-3146	210	17	react	react	VERB
fsr-3146	210	18	to	to	ADP
fsr-3146	210	19	a	a	DET
fsr-3146	210	20	severe	severe	ADJ
fsr-3146	210	21	market	market	NOUN
fsr-3146	210	22	downturn	downturn	NOUN
fsr-3146	210	23	will	will	AUX
fsr-3146	210	24	be	be	AUX
fsr-3146	210	25	critical	critical	ADJ
fsr-3146	210	26	in	in	ADP
fsr-3146	210	27	determining	determine	VERB
fsr-3146	210	28	whether	whether	SCONJ
fsr-3146	210	29	they	they	PRON
fsr-3146	210	30	continue	continue	VERB
fsr-3146	210	31	to	to	PART
fsr-3146	210	32	follow	follow	VERB
fsr-3146	210	33	their	their	PRON
fsr-3146	210	34	financial	financial	ADJ
fsr-3146	210	35	planner	planner	NOUN
fsr-3146	210	36	’s	’s	PART
fsr-3146	210	37	investment	investment	NOUN
fsr-3146	210	38	recommendations	recommendation	NOUN
fsr-3146	210	39	.	.	PUNCT
fsr-3146	211	1	this	this	DET
fsr-3146	211	2	article	article	NOUN
fsr-3146	211	3	provides	provide	VERB
fsr-3146	211	4	evidence	evidence	NOUN
fsr-3146	211	5	that	that	SCONJ
fsr-3146	211	6	more	more	ADJ
fsr-3146	211	7	of	of	ADP
fsr-3146	211	8	the	the	DET
fsr-3146	211	9	variation	variation	NOUN
fsr-3146	211	10	in	in	ADP
fsr-3146	211	11	mrts	mrt	NOUN
fsr-3146	211	12	is	be	AUX
fsr-3146	211	13	explained	explain	VERB
fsr-3146	211	14	by	by	ADP
fsr-3146	211	15	loss	loss	NOUN
fsr-3146	211	16	aversion	aversion	NOUN
fsr-3146	211	17	than	than	ADP
fsr-3146	211	18	by	by	ADP
fsr-3146	211	19	sentiment	sentiment	NOUN
fsr-3146	211	20	.	.	PUNCT
fsr-3146	212	1	it	it	PRON
fsr-3146	212	2	is	be	AUX
fsr-3146	212	3	essential	essential	ADJ
fsr-3146	212	4	for	for	ADP
fsr-3146	212	5	risk	risk	NOUN
fsr-3146	212	6	tolerance	tolerance	NOUN
fsr-3146	212	7	surveys	survey	NOUN
fsr-3146	212	8	to	to	PART
fsr-3146	212	9	include	include	VERB
fsr-3146	212	10	questions	question	NOUN
fsr-3146	212	11	that	that	PRON
fsr-3146	212	12	measure	measure	VERB
fsr-3146	212	13	a	a	DET
fsr-3146	212	14	client	client	NOUN
fsr-3146	212	15	’s	’s	PART
fsr-3146	212	16	level	level	NOUN
fsr-3146	212	17	of	of	ADP
fsr-3146	212	18	loss	loss	NOUN
fsr-3146	212	19	aversion	aversion	NOUN
fsr-3146	212	20	.	.	PUNCT
fsr-3146	213	1	the	the	DET
fsr-3146	213	2	marginal	marginal	ADJ
fsr-3146	213	3	effect	effect	NOUN
fsr-3146	213	4	of	of	ADP
fsr-3146	213	5	the	the	DET
fsr-3146	213	6	sentiment	sentiment	NOUN
fsr-3146	213	7	proxy	proxy	NOUN
fsr-3146	213	8	observed	observe	VERB
fsr-3146	213	9	in	in	ADP
fsr-3146	213	10	the	the	DET
fsr-3146	213	11	ols	ols	NOUN
fsr-3146	213	12	models	model	NOUN
fsr-3146	213	13	also	also	ADV
fsr-3146	213	14	supports	support	VERB
fsr-3146	213	15	the	the	DET
fsr-3146	213	16	inclusion	inclusion	NOUN
fsr-3146	213	17	of	of	ADP
fsr-3146	213	18	questions	question	NOUN
fsr-3146	213	19	that	that	PRON
fsr-3146	213	20	measure	measure	VERB
fsr-3146	213	21	investor	investor	NOUN
fsr-3146	213	22	sentiment	sentiment	NOUN
fsr-3146	213	23	.	.	PUNCT
fsr-3146	214	1	we	we	PRON
fsr-3146	214	2	find	find	VERB
fsr-3146	214	3	no	no	DET
fsr-3146	214	4	evidence	evidence	NOUN
fsr-3146	214	5	that	that	SCONJ
fsr-3146	214	6	measuring	measure	VERB
fsr-3146	214	7	the	the	DET
fsr-3146	214	8	weighted	weighted	ADJ
fsr-3146	214	9	ratio	ratio	NOUN
fsr-3146	214	10	between	between	ADP
fsr-3146	214	11	current	current	ADJ
fsr-3146	214	12	and	and	CCONJ
fsr-3146	214	13	past	past	ADJ
fsr-3146	214	14	consumption	consumption	NOUN
fsr-3146	214	15	improves	improve	VERB
fsr-3146	214	16	risk	risk	NOUN
fsr-3146	214	17	tolerance	tolerance	NOUN
fsr-3146	214	18	assessment	assessment	NOUN
fsr-3146	214	19	when	when	SCONJ
fsr-3146	214	20	loss	loss	NOUN
fsr-3146	214	21	aversion	aversion	NOUN
fsr-3146	214	22	and	and	CCONJ
fsr-3146	214	23	sentiment	sentiment	NOUN
fsr-3146	214	24	are	be	AUX
fsr-3146	214	25	already	already	ADV
fsr-3146	214	26	being	be	AUX
fsr-3146	214	27	measured	measure	VERB
fsr-3146	214	28	.	.	PUNCT
fsr-3146	215	1	7	7	X
fsr-3146	215	2	.	.	NOUN
fsr-3146	215	3	practical	practical	ADJ
fsr-3146	215	4	implications	implication	NOUN
fsr-3146	215	5	it	it	PRON
fsr-3146	215	6	is	be	AUX
fsr-3146	215	7	imperative	imperative	ADJ
fsr-3146	215	8	that	that	SCONJ
fsr-3146	215	9	a	a	DET
fsr-3146	215	10	financial	financial	ADJ
fsr-3146	215	11	planner	planner	NOUN
fsr-3146	215	12	assess	assess	NOUN
fsr-3146	215	13	risk	risk	NOUN
fsr-3146	215	14	tolerance	tolerance	NOUN
fsr-3146	215	15	correctly	correctly	ADV
fsr-3146	215	16	;	;	PUNCT
fsr-3146	215	17	otherwise	otherwise	ADV
fsr-3146	215	18	the	the	DET
fsr-3146	215	19	client	client	NOUN
fsr-3146	215	20	may	may	AUX
fsr-3146	215	21	be	be	AUX
fsr-3146	215	22	in	in	ADP
fsr-3146	215	23	a	a	DET
fsr-3146	215	24	portfolio	portfolio	NOUN
fsr-3146	215	25	that	that	PRON
fsr-3146	215	26	is	be	AUX
fsr-3146	215	27	excessively	excessively	ADV
fsr-3146	215	28	risky	risky	ADJ
fsr-3146	215	29	.	.	PUNCT
fsr-3146	216	1	if	if	SCONJ
fsr-3146	216	2	a	a	DET
fsr-3146	216	3	client	client	NOUN
fsr-3146	216	4	is	be	AUX
fsr-3146	216	5	in	in	ADP
fsr-3146	216	6	a	a	DET
fsr-3146	216	7	portfolio	portfolio	NOUN
fsr-3146	216	8	that	that	PRON
fsr-3146	216	9	is	be	AUX
fsr-3146	216	10	too	too	ADV
fsr-3146	216	11	risky	risky	ADJ
fsr-3146	216	12	,	,	PUNCT
fsr-3146	216	13	it	it	PRON
fsr-3146	216	14	may	may	AUX
fsr-3146	216	15	increase	increase	VERB
fsr-3146	216	16	the	the	DET
fsr-3146	216	17	likelihood	likelihood	NOUN
fsr-3146	216	18	that	that	SCONJ
fsr-3146	216	19	he	he	PRON
fsr-3146	216	20	or	or	CCONJ
fsr-3146	216	21	she	she	PRON
fsr-3146	216	22	will	will	AUX
fsr-3146	216	23	sell	sell	VERB
fsr-3146	216	24	out	out	ADP
fsr-3146	216	25	of	of	ADP
fsr-3146	216	26	stocks	stock	NOUN
fsr-3146	216	27	after	after	ADP
fsr-3146	216	28	a	a	DET
fsr-3146	216	29	sharp	sharp	ADJ
fsr-3146	216	30	decline	decline	NOUN
fsr-3146	216	31	in	in	ADP
fsr-3146	216	32	equity	equity	NOUN
fsr-3146	216	33	prices	price	NOUN
fsr-3146	216	34	.	.	PUNCT
fsr-3146	217	1	this	this	PRON
fsr-3146	217	2	would	would	AUX
fsr-3146	217	3	result	result	VERB
fsr-3146	217	4	in	in	ADP
fsr-3146	217	5	lower	low	ADJ
fsr-3146	217	6	future	future	ADJ
fsr-3146	217	7	returns	return	NOUN
fsr-3146	217	8	,	,	PUNCT
fsr-3146	217	9	which	which	PRON
fsr-3146	217	10	could	could	AUX
fsr-3146	217	11	possibly	possibly	ADV
fsr-3146	217	12	preclude	preclude	VERB
fsr-3146	217	13	or	or	CCONJ
fsr-3146	217	14	delay	delay	VERB
fsr-3146	217	15	a	a	DET
fsr-3146	217	16	client	client	NOUN
fsr-3146	217	17	’s	’s	PART
fsr-3146	217	18	attainment	attainment	NOUN
fsr-3146	217	19	of	of	ADP
fsr-3146	217	20	his	his	PRON
fsr-3146	217	21	or	or	CCONJ
fsr-3146	217	22	her	her	PRON
fsr-3146	217	23	goals	goal	NOUN
fsr-3146	217	24	.	.	PUNCT
fsr-3146	218	1	this	this	PRON
fsr-3146	218	2	is	be	AUX
fsr-3146	218	3	because	because	SCONJ
fsr-3146	218	4	periods	period	NOUN
fsr-3146	218	5	of	of	ADP
fsr-3146	218	6	low	low	ADJ
fsr-3146	218	7	equity	equity	NOUN
fsr-3146	218	8	valuations	valuation	NOUN
fsr-3146	218	9	are	be	AUX
fsr-3146	218	10	usually	usually	ADV
fsr-3146	218	11	followed	follow	VERB
fsr-3146	218	12	by	by	ADP
fsr-3146	218	13	higher	high	ADJ
fsr-3146	218	14	than	than	ADP
fsr-3146	218	15	average	average	ADJ
fsr-3146	218	16	stock	stock	NOUN
fsr-3146	218	17	returns	return	NOUN
fsr-3146	218	18	(	(	PUNCT
fsr-3146	218	19	basu	basu	PROPN
fsr-3146	218	20	,	,	PUNCT
fsr-3146	218	21	1977	1977	NUM
fsr-3146	218	22	;	;	PUNCT
fsr-3146	218	23	campbell	campbell	PROPN
fsr-3146	218	24	and	and	CCONJ
fsr-3146	218	25	shiller	shiller	PROPN
fsr-3146	218	26	,	,	PUNCT
fsr-3146	218	27	1988	1988	NUM
fsr-3146	218	28	;	;	PUNCT
fsr-3146	218	29	fama	fama	PROPN
fsr-3146	218	30	and	and	CCONJ
fsr-3146	218	31	french	french	ADJ
fsr-3146	218	32	,	,	PUNCT
fsr-3146	218	33	1988	1988	NUM
fsr-3146	218	34	)	)	PUNCT
fsr-3146	218	35	.	.	PUNCT
fsr-3146	219	1	helping	help	VERB
fsr-3146	219	2	clients	client	NOUN
fsr-3146	219	3	understand	understand	VERB
fsr-3146	219	4	their	their	PRON
fsr-3146	219	5	willingness	willingness	NOUN
fsr-3146	219	6	to	to	PART
fsr-3146	219	7	take	take	VERB
fsr-3146	219	8	risk	risk	NOUN
fsr-3146	219	9	before	before	SCONJ
fsr-3146	219	10	a	a	DET
fsr-3146	219	11	portfolio	portfolio	NOUN
fsr-3146	219	12	allocation	allocation	NOUN
fsr-3146	219	13	is	be	AUX
fsr-3146	219	14	constructed	construct	VERB
fsr-3146	219	15	will	will	AUX
fsr-3146	219	16	reduce	reduce	VERB
fsr-3146	219	17	the	the	DET
fsr-3146	219	18	likelihood	likelihood	NOUN
fsr-3146	219	19	that	that	SCONJ
fsr-3146	219	20	they	they	PRON
fsr-3146	219	21	will	will	AUX
fsr-3146	219	22	sell	sell	VERB
fsr-3146	219	23	stocks	stock	NOUN
fsr-3146	219	24	during	during	ADP
fsr-3146	219	25	a	a	DET
fsr-3146	219	26	severe	severe	ADJ
fsr-3146	219	27	market	market	NOUN
fsr-3146	219	28	downturn	downturn	NOUN
fsr-3146	219	29	.	.	PUNCT
fsr-3146	220	1	from	from	ADP
fsr-3146	220	2	1991	1991	NUM
fsr-3146	220	3	to	to	ADP
fsr-3146	220	4	2004	2004	NUM
fsr-3146	220	5	investors	investor	NOUN
fsr-3146	220	6	lost	lose	VERB
fsr-3146	220	7	1.56	1.56	NUM
fsr-3146	220	8	%	%	NOUN
fsr-3146	220	9	annually	annually	ADV
fsr-3146	220	10	in	in	ADP
fsr-3146	220	11	dollar	dollar	NOUN
fsr-3146	220	12	-	-	PUNCT
fsr-3146	220	13	weighted	weight	VERB
fsr-3146	220	14	returns	return	NOUN
fsr-3146	220	15	because	because	SCONJ
fsr-3146	220	16	of	of	ADP
fsr-3146	220	17	market	market	NOUN
fsr-3146	220	18	timing	timing	NOUN
fsr-3146	220	19	(	(	PUNCT
fsr-3146	220	20	friesen	friesen	PROPN
fsr-3146	220	21	and	and	CCONJ
fsr-3146	220	22	sapp	sapp	PROPN
fsr-3146	220	23	,	,	PUNCT
fsr-3146	220	24	2007	2007	NUM
fsr-3146	220	25	)	)	PUNCT
fsr-3146	220	26	.	.	PUNCT
fsr-3146	221	1	there	there	PRON
fsr-3146	221	2	is	be	VERB
fsr-3146	221	3	evidence	evidence	NOUN
fsr-3146	221	4	that	that	SCONJ
fsr-3146	221	5	myopic	myopic	ADJ
fsr-3146	221	6	behavior	behavior	NOUN
fsr-3146	221	7	may	may	AUX
fsr-3146	221	8	play	play	VERB
fsr-3146	221	9	a	a	DET
fsr-3146	221	10	role	role	NOUN
fsr-3146	221	11	in	in	ADP
fsr-3146	221	12	the	the	DET
fsr-3146	221	13	reluctance	reluctance	NOUN
fsr-3146	221	14	to	to	PART
fsr-3146	221	15	invest	invest	VERB
fsr-3146	221	16	in	in	ADP
fsr-3146	221	17	stocks	stock	NOUN
fsr-3146	221	18	.	.	PUNCT
fsr-3146	222	1	thaler	thaler	NOUN
fsr-3146	222	2	,	,	PUNCT
fsr-3146	222	3	tversky	tversky	NOUN
fsr-3146	222	4	,	,	PUNCT
fsr-3146	222	5	kahneman	kahneman	NOUN
fsr-3146	222	6	,	,	PUNCT
fsr-3146	222	7	and	and	CCONJ
fsr-3146	222	8	schwartz	schwartz	PROPN
fsr-3146	222	9	(	(	PUNCT
fsr-3146	222	10	1997	1997	NUM
fsr-3146	222	11	)	)	PUNCT
fsr-3146	222	12	provide	provide	VERB
fsr-3146	222	13	experimental	experimental	ADJ
fsr-3146	222	14	evidence	evidence	NOUN
fsr-3146	222	15	that	that	SCONJ
fsr-3146	222	16	the	the	DET
fsr-3146	222	17	frequency	frequency	NOUN
fsr-3146	222	18	at	at	ADP
fsr-3146	222	19	which	which	PRON
fsr-3146	222	20	investment	investment	NOUN
fsr-3146	222	21	performance	performance	NOUN
fsr-3146	222	22	is	be	AUX
fsr-3146	222	23	presented	present	VERB
fsr-3146	222	24	can	can	AUX
fsr-3146	222	25	affect	affect	VERB
fsr-3146	222	26	a	a	DET
fsr-3146	222	27	client	client	NOUN
fsr-3146	222	28	’s	’s	PART
fsr-3146	222	29	propensity	propensity	NOUN
fsr-3146	222	30	to	to	PART
fsr-3146	222	31	invest	invest	VERB
fsr-3146	222	32	in	in	ADP
fsr-3146	222	33	stocks	stock	NOUN
fsr-3146	222	34	.	.	PUNCT
fsr-3146	223	1	in	in	ADP
fsr-3146	223	2	the	the	DET
fsr-3146	223	3	experiment	experiment	NOUN
fsr-3146	223	4	,	,	PUNCT
fsr-3146	223	5	different	different	ADJ
fsr-3146	223	6	groups	group	NOUN
fsr-3146	223	7	of	of	ADP
fsr-3146	223	8	investors	investor	NOUN
fsr-3146	223	9	were	be	AUX
fsr-3146	223	10	compared	compare	VERB
fsr-3146	223	11	.	.	PUNCT
fsr-3146	224	1	one	one	NUM
fsr-3146	224	2	group	group	NOUN
fsr-3146	224	3	was	be	AUX
fsr-3146	224	4	shown	show	VERB
fsr-3146	224	5	return	return	NOUN
fsr-3146	224	6	data	datum	NOUN
fsr-3146	224	7	and	and	CCONJ
fsr-3146	224	8	participants	participant	NOUN
fsr-3146	224	9	were	be	AUX
fsr-3146	224	10	asked	ask	VERB
fsr-3146	224	11	to	to	PART
fsr-3146	224	12	allocate	allocate	VERB
fsr-3146	224	13	their	their	PRON
fsr-3146	224	14	portfolios	portfolio	NOUN
fsr-3146	224	15	between	between	ADP
fsr-3146	224	16	stock	stock	NOUN
fsr-3146	224	17	and	and	CCONJ
fsr-3146	224	18	bond	bond	NOUN
fsr-3146	224	19	funds	fund	NOUN
fsr-3146	224	20	on	on	ADP
fsr-3146	224	21	a	a	DET
fsr-3146	224	22	monthly	monthly	ADJ
fsr-3146	224	23	basis	basis	NOUN
fsr-3146	224	24	.	.	PUNCT
fsr-3146	225	1	another	another	DET
fsr-3146	225	2	group	group	NOUN
fsr-3146	225	3	was	be	AUX
fsr-3146	225	4	shown	show	VERB
fsr-3146	225	5	the	the	DET
fsr-3146	225	6	same	same	ADJ
fsr-3146	225	7	data	datum	NOUN
fsr-3146	225	8	as	as	ADP
fsr-3146	225	9	the	the	DET
fsr-3146	225	10	first	first	ADJ
fsr-3146	225	11	group	group	NOUN
fsr-3146	225	12	but	but	CCONJ
fsr-3146	225	13	allocated	allocate	VERB
fsr-3146	225	14	their	their	PRON
fsr-3146	225	15	portfolios	portfolio	NOUN
fsr-3146	225	16	between	between	ADP
fsr-3146	225	17	stock	stock	NOUN
fsr-3146	225	18	and	and	CCONJ
fsr-3146	225	19	bond	bond	NOUN
fsr-3146	225	20	funds	fund	NOUN
fsr-3146	225	21	on	on	ADP
fsr-3146	225	22	an	an	DET
fsr-3146	225	23	annual	annual	ADJ
fsr-3146	225	24	basis	basis	NOUN
fsr-3146	225	25	.	.	PUNCT
fsr-3146	226	1	participants	participant	NOUN
fsr-3146	226	2	in	in	ADP
fsr-3146	226	3	the	the	DET
fsr-3146	226	4	first	first	ADJ
fsr-3146	226	5	group	group	NOUN
fsr-3146	226	6	allocated	allocate	VERB
fsr-3146	226	7	59.1	59.1	NUM
fsr-3146	226	8	%	%	NOUN
fsr-3146	226	9	of	of	ADP
fsr-3146	226	10	their	their	PRON
fsr-3146	226	11	portfolios	portfolio	NOUN
fsr-3146	226	12	to	to	PART
fsr-3146	226	13	bond	bond	NOUN
fsr-3146	226	14	funds	fund	NOUN
fsr-3146	226	15	,	,	PUNCT
fsr-3146	226	16	yet	yet	CCONJ
fsr-3146	226	17	participants	participant	NOUN
fsr-3146	226	18	in	in	ADP
fsr-3146	226	19	the	the	DET
fsr-3146	226	20	second	second	ADJ
fsr-3146	226	21	group	group	NOUN
fsr-3146	226	22	allocated	allocate	VERB
fsr-3146	226	23	only	only	ADV
fsr-3146	226	24	30.4	30.4	NUM
fsr-3146	226	25	%	%	NOUN
fsr-3146	226	26	to	to	ADP
fsr-3146	226	27	bond	bond	NOUN
fsr-3146	226	28	funds	fund	NOUN
fsr-3146	226	29	.	.	PUNCT
fsr-3146	227	1	helping	help	VERB
fsr-3146	227	2	clients	client	NOUN
fsr-3146	227	3	identify	identify	VERB
fsr-3146	227	4	myopic	myopic	ADJ
fsr-3146	227	5	behavior	behavior	NOUN
fsr-3146	227	6	is	be	AUX
fsr-3146	227	7	important	important	ADJ
fsr-3146	227	8	because	because	SCONJ
fsr-3146	227	9	evidence	evidence	NOUN
fsr-3146	227	10	has	have	AUX
fsr-3146	227	11	indicated	indicate	VERB
fsr-3146	227	12	the	the	DET
fsr-3146	227	13	risk	risk	NOUN
fsr-3146	227	14	of	of	ADP
fsr-3146	227	15	equities	equity	NOUN
fsr-3146	227	16	is	be	AUX
fsr-3146	227	17	decreasing	decrease	VERB
fsr-3146	227	18	in	in	ADP
fsr-3146	227	19	the	the	DET
fsr-3146	227	20	length	length	NOUN
fsr-3146	227	21	of	of	ADP
fsr-3146	227	22	one	one	NUM
fsr-3146	227	23	’s	’s	PART
fsr-3146	227	24	holding	hold	VERB
fsr-3146	227	25	period	period	NOUN
fsr-3146	227	26	(	(	PUNCT
fsr-3146	227	27	blanchett	blanchett	PROPN
fsr-3146	227	28	,	,	PUNCT
fsr-3146	227	29	finke	finke	PROPN
fsr-3146	227	30	and	and	CCONJ
fsr-3146	227	31	pfau	pfau	NOUN
fsr-3146	227	32	,	,	PUNCT
fsr-3146	227	33	2013	2013	NUM
fsr-3146	227	34	)	)	PUNCT
fsr-3146	227	35	.	.	PUNCT
fsr-3146	228	1	myopic	myopic	ADJ
fsr-3146	228	2	behavior	behavior	NOUN
fsr-3146	228	3	could	could	AUX
fsr-3146	228	4	include	include	VERB
fsr-3146	228	5	checking	check	VERB
fsr-3146	228	6	stock	stock	NOUN
fsr-3146	228	7	prices	price	NOUN
fsr-3146	228	8	or	or	CCONJ
fsr-3146	228	9	viewing	view	VERB
fsr-3146	228	10	investment	investment	NOUN
fsr-3146	228	11	state215	state215	PROPN
fsr-3146	228	12	m.	m.	NOUN
fsr-3146	228	13	guillemette	guillemette	NOUN
fsr-3146	228	14	,	,	PUNCT
fsr-3146	228	15	d.	d.	PROPN
fsr-3146	228	16	nanigian	nanigian	PROPN
fsr-3146	228	17	/	/	SYM
fsr-3146	228	18	financial	financial	ADJ
fsr-3146	228	19	services	service	NOUN
fsr-3146	228	20	review	review	VERB
fsr-3146	228	21	23	23	NUM
fsr-3146	228	22	(	(	PUNCT
fsr-3146	228	23	2014	2014	NUM
fsr-3146	228	24	)	)	PUNCT
fsr-3146	228	25	207–218	207–218	NUM
fsr-3146	228	26	ments	ment	NOUN
fsr-3146	228	27	on	on	ADP
fsr-3146	228	28	a	a	DET
fsr-3146	228	29	daily	daily	ADJ
fsr-3146	228	30	,	,	PUNCT
fsr-3146	228	31	monthly	monthly	ADJ
fsr-3146	228	32	or	or	CCONJ
fsr-3146	228	33	even	even	ADV
fsr-3146	228	34	quarterly	quarterly	ADJ
fsr-3146	228	35	basis	basis	NOUN
fsr-3146	228	36	.	.	PUNCT
fsr-3146	229	1	since	since	SCONJ
fsr-3146	229	2	stocks	stock	NOUN
fsr-3146	229	3	should	should	AUX
fsr-3146	229	4	only	only	ADV
fsr-3146	229	5	be	be	AUX
fsr-3146	229	6	used	use	VERB
fsr-3146	229	7	to	to	PART
fsr-3146	229	8	meet	meet	VERB
fsr-3146	229	9	long	long	ADJ
fsr-3146	229	10	-	-	PUNCT
fsr-3146	229	11	term	term	NOUN
fsr-3146	229	12	goals	goal	NOUN
fsr-3146	229	13	,	,	PUNCT
fsr-3146	229	14	short	short	ADJ
fsr-3146	229	15	-	-	PUNCT
fsr-3146	229	16	term	term	NOUN
fsr-3146	229	17	fluctuations	fluctuation	NOUN
fsr-3146	229	18	are	be	AUX
fsr-3146	229	19	irrelevant	irrelevant	ADJ
fsr-3146	229	20	.	.	PUNCT
fsr-3146	230	1	oftentimes	oftentime	VERB
fsr-3146	230	2	the	the	DET
fsr-3146	230	3	financial	financial	ADJ
fsr-3146	230	4	media	medium	NOUN
fsr-3146	230	5	sells	sell	VERB
fsr-3146	230	6	the	the	DET
fsr-3146	230	7	misperception	misperception	NOUN
fsr-3146	230	8	that	that	SCONJ
fsr-3146	230	9	short	short	ADJ
fsr-3146	230	10	-	-	PUNCT
fsr-3146	230	11	term	term	NOUN
fsr-3146	230	12	fluctuations	fluctuation	NOUN
fsr-3146	230	13	matter	matter	NOUN
fsr-3146	230	14	,	,	PUNCT
fsr-3146	230	15	but	but	CCONJ
fsr-3146	230	16	evidence	evidence	NOUN
fsr-3146	230	17	suggests	suggest	VERB
fsr-3146	230	18	that	that	SCONJ
fsr-3146	230	19	even	even	ADV
fsr-3146	230	20	professional	professional	ADJ
fsr-3146	230	21	fund	fund	NOUN
fsr-3146	230	22	managers	manager	NOUN
fsr-3146	230	23	can	can	AUX
fsr-3146	230	24	not	not	PART
fsr-3146	230	25	successfully	successfully	ADV
fsr-3146	230	26	time	time	VERB
fsr-3146	230	27	the	the	DET
fsr-3146	230	28	market	market	NOUN
fsr-3146	230	29	(	(	PUNCT
fsr-3146	230	30	carhart	carhart	NOUN
fsr-3146	230	31	,	,	PUNCT
fsr-3146	230	32	1997	1997	NUM
fsr-3146	230	33	;	;	PUNCT
fsr-3146	230	34	detzel	detzel	PROPN
fsr-3146	230	35	and	and	CCONJ
fsr-3146	230	36	weigland	weigland	NOUN
fsr-3146	230	37	,	,	PUNCT
fsr-3146	230	38	1998	1998	NUM
fsr-3146	230	39	;	;	PUNCT
fsr-3146	230	40	cremers	cremer	NOUN
fsr-3146	230	41	and	and	CCONJ
fsr-3146	230	42	petajisto	petajisto	NOUN
fsr-3146	230	43	,	,	PUNCT
fsr-3146	230	44	2009	2009	NUM
fsr-3146	230	45	)	)	PUNCT
fsr-3146	230	46	.	.	PUNCT
fsr-3146	231	1	behavioral	behavioral	ADJ
fsr-3146	231	2	strategies	strategy	NOUN
fsr-3146	231	3	that	that	PRON
fsr-3146	231	4	help	help	VERB
fsr-3146	231	5	clients	client	NOUN
fsr-3146	231	6	take	take	VERB
fsr-3146	231	7	a	a	DET
fsr-3146	231	8	long	long	ADJ
fsr-3146	231	9	-	-	PUNCT
fsr-3146	231	10	term	term	NOUN
fsr-3146	231	11	view	view	NOUN
fsr-3146	231	12	and	and	CCONJ
fsr-3146	231	13	stay	stay	VERB
fsr-3146	231	14	invested	invest	VERB
fsr-3146	231	15	in	in	ADP
fsr-3146	231	16	stocks	stock	NOUN
fsr-3146	231	17	will	will	AUX
fsr-3146	231	18	help	help	VERB
fsr-3146	231	19	increase	increase	VERB
fsr-3146	231	20	the	the	DET
fsr-3146	231	21	likelihood	likelihood	NOUN
fsr-3146	231	22	that	that	SCONJ
fsr-3146	231	23	they	they	PRON
fsr-3146	231	24	will	will	AUX
fsr-3146	231	25	accomplish	accomplish	VERB
fsr-3146	231	26	their	their	PRON
fsr-3146	231	27	goals	goal	NOUN
fsr-3146	231	28	.	.	PUNCT
fsr-3146	232	1	a	a	DET
fsr-3146	232	2	certified	certify	VERB
fsr-3146	232	3	financial	financial	ADJ
fsr-3146	232	4	planner	planner	NOUN
fsr-3146	232	5	designation	designation	NOUN
fsr-3146	232	6	increased	increase	VERB
fsr-3146	232	7	investor	investor	NOUN
fsr-3146	232	8	certainty	certainty	NOUN
fsr-3146	232	9	during	during	ADP
fsr-3146	232	10	periods	period	NOUN
fsr-3146	232	11	of	of	ADP
fsr-3146	232	12	underperformance	underperformance	NOUN
fsr-3146	232	13	,	,	PUNCT
fsr-3146	232	14	improving	improve	VERB
fsr-3146	232	15	a	a	DET
fsr-3146	232	16	client	client	NOUN
fsr-3146	232	17	’s	’s	PART
fsr-3146	232	18	ability	ability	NOUN
fsr-3146	232	19	to	to	PART
fsr-3146	232	20	maintain	maintain	VERB
fsr-3146	232	21	a	a	DET
fsr-3146	232	22	consistent	consistent	ADJ
fsr-3146	232	23	investment	investment	NOUN
fsr-3146	232	24	approach	approach	NOUN
fsr-3146	232	25	during	during	ADP
fsr-3146	232	26	market	market	NOUN
fsr-3146	232	27	downturns	downturn	NOUN
fsr-3146	232	28	(	(	PUNCT
fsr-3146	232	29	james	james	PROPN
fsr-3146	232	30	,	,	PUNCT
fsr-3146	232	31	2013	2013	NUM
fsr-3146	232	32	)	)	PUNCT
fsr-3146	232	33	.	.	PUNCT
fsr-3146	233	1	winchester	winchester	PROPN
fsr-3146	233	2	,	,	PUNCT
fsr-3146	233	3	huston	huston	PROPN
fsr-3146	233	4	,	,	PUNCT
fsr-3146	233	5	and	and	CCONJ
fsr-3146	233	6	finke	finke	PROPN
fsr-3146	233	7	(	(	PUNCT
fsr-3146	233	8	2011	2011	NUM
fsr-3146	233	9	)	)	PUNCT
fsr-3146	233	10	found	find	VERB
fsr-3146	233	11	that	that	SCONJ
fsr-3146	233	12	those	those	PRON
fsr-3146	233	13	who	who	PRON
fsr-3146	233	14	had	have	VERB
fsr-3146	233	15	a	a	DET
fsr-3146	233	16	financial	financial	ADJ
fsr-3146	233	17	planner	planner	NOUN
fsr-3146	233	18	,	,	PUNCT
fsr-3146	233	19	and	and	CCONJ
fsr-3146	233	20	particularly	particularly	ADV
fsr-3146	233	21	those	those	PRON
fsr-3146	233	22	who	who	PRON
fsr-3146	233	23	had	have	VERB
fsr-3146	233	24	a	a	DET
fsr-3146	233	25	written	write	VERB
fsr-3146	233	26	plan	plan	NOUN
fsr-3146	233	27	(	(	PUNCT
fsr-3146	233	28	that	that	PRON
fsr-3146	233	29	included	include	VERB
fsr-3146	233	30	an	an	DET
fsr-3146	233	31	investment	investment	NOUN
fsr-3146	233	32	policy	policy	NOUN
fsr-3146	233	33	statement	statement	NOUN
fsr-3146	233	34	)	)	PUNCT
fsr-3146	233	35	,	,	PUNCT
fsr-3146	233	36	were	be	AUX
fsr-3146	233	37	far	far	ADV
fsr-3146	233	38	less	less	ADV
fsr-3146	233	39	likely	likely	ADJ
fsr-3146	233	40	to	to	PART
fsr-3146	233	41	shift	shift	VERB
fsr-3146	233	42	their	their	PRON
fsr-3146	233	43	wealth	wealth	NOUN
fsr-3146	233	44	into	into	ADP
fsr-3146	233	45	cash	cash	NOUN
fsr-3146	233	46	during	during	ADP
fsr-3146	233	47	the	the	DET
fsr-3146	233	48	2008	2008	NUM
fsr-3146	233	49	recession	recession	NOUN
fsr-3146	233	50	.	.	PUNCT
fsr-3146	234	1	simple	simple	ADJ
fsr-3146	234	2	techniques	technique	NOUN
fsr-3146	234	3	such	such	ADJ
fsr-3146	234	4	as	as	ADP
fsr-3146	234	5	waiting	wait	VERB
fsr-3146	234	6	until	until	ADP
fsr-3146	234	7	the	the	DET
fsr-3146	234	8	end	end	NOUN
fsr-3146	234	9	of	of	ADP
fsr-3146	234	10	client	client	NOUN
fsr-3146	234	11	meetings	meeting	NOUN
fsr-3146	234	12	to	to	PART
fsr-3146	234	13	discuss	discuss	VERB
fsr-3146	234	14	returns	return	NOUN
fsr-3146	234	15	,	,	PUNCT
fsr-3146	234	16	and	and	CCONJ
fsr-3146	234	17	emphasizing	emphasize	VERB
fsr-3146	234	18	longer	long	ADJ
fsr-3146	234	19	run	run	VERB
fsr-3146	234	20	performance	performance	NOUN
fsr-3146	234	21	when	when	SCONJ
fsr-3146	234	22	they	they	PRON
fsr-3146	234	23	are	be	AUX
fsr-3146	234	24	discussed	discuss	VERB
fsr-3146	234	25	,	,	PUNCT
fsr-3146	234	26	are	be	AUX
fsr-3146	234	27	other	other	ADJ
fsr-3146	234	28	ways	way	NOUN
fsr-3146	234	29	that	that	PRON
fsr-3146	234	30	may	may	AUX
fsr-3146	234	31	help	help	VERB
fsr-3146	234	32	keep	keep	VERB
fsr-3146	234	33	clients	client	NOUN
fsr-3146	234	34	in	in	ADP
fsr-3146	234	35	portfolios	portfolio	NOUN
fsr-3146	234	36	that	that	PRON
fsr-3146	234	37	are	be	AUX
fsr-3146	234	38	aligned	align	VERB
fsr-3146	234	39	with	with	ADP
fsr-3146	234	40	their	their	PRON
fsr-3146	234	41	preferences	preference	NOUN
fsr-3146	234	42	.	.	PUNCT
fsr-3146	235	1	notes	note	NOUN
fsr-3146	235	2	1	1	NUM
fsr-3146	235	3	it	it	PRON
fsr-3146	235	4	should	should	AUX
fsr-3146	235	5	also	also	ADV
fsr-3146	235	6	be	be	AUX
fsr-3146	235	7	noted	note	VERB
fsr-3146	235	8	that	that	SCONJ
fsr-3146	235	9	when	when	SCONJ
fsr-3146	235	10	an	an	DET
fsr-3146	235	11	index	index	NOUN
fsr-3146	235	12	changes	change	VERB
fsr-3146	235	13	its	its	PRON
fsr-3146	235	14	constituents	constituent	NOUN
fsr-3146	235	15	;	;	PUNCT
fsr-3146	235	16	then	then	ADV
fsr-3146	235	17	index	index	NOUN
fsr-3146	235	18	funds	fund	NOUN
fsr-3146	235	19	need	need	VERB
fsr-3146	235	20	to	to	PART
fsr-3146	235	21	conduct	conduct	VERB
fsr-3146	235	22	trades	trade	NOUN
fsr-3146	235	23	simply	simply	ADV
fsr-3146	235	24	to	to	PART
fsr-3146	235	25	continue	continue	VERB
fsr-3146	235	26	to	to	PART
fsr-3146	235	27	replicate	replicate	VERB
fsr-3146	235	28	their	their	PRON
fsr-3146	235	29	index	index	NOUN
fsr-3146	235	30	.	.	PUNCT
fsr-3146	236	1	2	2	NUM
fsr-3146	236	2	real	real	ADJ
fsr-3146	236	3	personal	personal	ADJ
fsr-3146	236	4	consumption	consumption	NOUN
fsr-3146	236	5	expenditure	expenditure	NOUN
fsr-3146	236	6	data	datum	NOUN
fsr-3146	236	7	can	can	AUX
fsr-3146	236	8	be	be	AUX
fsr-3146	236	9	found	find	VERB
fsr-3146	236	10	at	at	ADP
fsr-3146	236	11	https://research.stlouis	https://research.stlouis	ADJ
fsr-3146	236	12	fed.org/fred2/series/pcec96/.	fed.org/fred2/series/pcec96/.	NOUN
fsr-3146	236	13	3	3	NUM
fsr-3146	236	14	the	the	DET
fsr-3146	236	15	return	return	NOUN
fsr-3146	236	16	data	datum	NOUN
fsr-3146	236	17	can	can	AUX
fsr-3146	236	18	be	be	AUX
fsr-3146	236	19	found	find	VERB
fsr-3146	236	20	on	on	ADP
fsr-3146	236	21	kenneth	kenneth	PROPN
fsr-3146	236	22	french	french	PROPN
fsr-3146	236	23	’s	’s	PART
fsr-3146	236	24	web	web	NOUN
fsr-3146	236	25	site	site	NOUN
fsr-3146	236	26	at	at	ADP
fsr-3146	236	27	http://mba.tuck.dart	http://mba.tuck.dart	PROPN
fsr-3146	236	28	mouth.edu/pages/faculty/ken.french/data_library.html#research	mouth.edu/pages/faculty/ken.french/data_library.html#research	PROPN
fsr-3146	236	29	.	.	PUNCT
fsr-3146	237	1	we	we	PRON
fsr-3146	237	2	are	be	AUX
fsr-3146	237	3	grateful	grateful	ADJ
fsr-3146	237	4	to	to	PART
fsr-3146	237	5	kenneth	kenneth	PROPN
fsr-3146	237	6	french	french	PROPN
fsr-3146	237	7	for	for	ADP
fsr-3146	237	8	providing	provide	VERB
fsr-3146	237	9	this	this	DET
fsr-3146	237	10	data	datum	NOUN
fsr-3146	237	11	.	.	PUNCT
fsr-3146	238	1	4	4	NUM
fsr-3146	238	2	the	the	DET
fsr-3146	238	3	sentiment	sentiment	NOUN
fsr-3146	238	4	data	datum	NOUN
fsr-3146	238	5	can	can	AUX
fsr-3146	238	6	be	be	AUX
fsr-3146	238	7	found	find	VERB
fsr-3146	238	8	on	on	ADP
fsr-3146	238	9	jeffrey	jeffrey	PROPN
fsr-3146	238	10	wurgler	wurgler	PROPN
fsr-3146	238	11	’s	’s	PART
fsr-3146	238	12	web	web	NOUN
fsr-3146	238	13	site	site	NOUN
fsr-3146	238	14	at	at	ADP
fsr-3146	238	15	http://people.stern	http://people.stern	PROPN
fsr-3146	238	16	.	.	PUNCT
fsr-3146	239	1	nyu.edu/jwurgler/.	nyu.edu/jwurgler/.	NOUN
fsr-3146	239	2	we	we	PRON
fsr-3146	239	3	are	be	AUX
fsr-3146	239	4	grateful	grateful	ADJ
fsr-3146	239	5	to	to	ADP
fsr-3146	239	6	jeffrey	jeffrey	PROPN
fsr-3146	239	7	wurgler	wurgler	PROPN
fsr-3146	239	8	for	for	ADP
fsr-3146	239	9	providing	provide	VERB
fsr-3146	239	10	this	this	DET
fsr-3146	239	11	data	datum	NOUN
fsr-3146	239	12	.	.	PUNCT
fsr-3146	240	1	acknowledgments	acknowledgment	NOUN
fsr-3146	240	2	the	the	DET
fsr-3146	240	3	authors	author	NOUN
fsr-3146	240	4	would	would	AUX
fsr-3146	240	5	like	like	VERB
fsr-3146	240	6	to	to	PART
fsr-3146	240	7	thank	thank	VERB
fsr-3146	240	8	geoff	geoff	PROPN
fsr-3146	240	9	davey	davey	PROPN
fsr-3146	240	10	and	and	CCONJ
fsr-3146	240	11	finametrica	finametrica	ADJ
fsr-3146	240	12	for	for	ADP
fsr-3146	240	13	supporting	support	VERB
fsr-3146	240	14	the	the	DET
fsr-3146	240	15	advancement	advancement	NOUN
fsr-3146	240	16	of	of	ADP
fsr-3146	240	17	risk	risk	NOUN
fsr-3146	240	18	tolerance	tolerance	NOUN
fsr-3146	240	19	research	research	NOUN
fsr-3146	240	20	.	.	PUNCT
fsr-3146	241	1	david	david	PROPN
fsr-3146	241	2	nanigian	nanigian	PROPN
fsr-3146	241	3	is	be	AUX
fsr-3146	241	4	grateful	grateful	ADJ
fsr-3146	241	5	to	to	ADP
fsr-3146	241	6	the	the	DET
fsr-3146	241	7	new	new	PROPN
fsr-3146	241	8	york	york	PROPN
fsr-3146	241	9	life	life	PROPN
fsr-3146	241	10	insurance	insurance	NOUN
fsr-3146	241	11	company	company	NOUN
fsr-3146	241	12	for	for	ADP
fsr-3146	241	13	their	their	PRON
fsr-3146	241	14	financial	financial	ADJ
fsr-3146	241	15	support	support	NOUN
fsr-3146	241	16	.	.	PUNCT
fsr-3146	242	1	references	reference	NOUN
fsr-3146	242	2	abel	abel	PROPN
fsr-3146	242	3	,	,	PUNCT
fsr-3146	242	4	a.	a.	PROPN
fsr-3146	242	5	b.	b.	PROPN
fsr-3146	242	6	(	(	PUNCT
fsr-3146	242	7	1990	1990	NUM
fsr-3146	242	8	)	)	PUNCT
fsr-3146	242	9	.	.	PUNCT
fsr-3146	243	1	asset	asset	NOUN
fsr-3146	243	2	prices	price	NOUN
fsr-3146	243	3	under	under	ADP
fsr-3146	243	4	habit	habit	NOUN
fsr-3146	243	5	formation	formation	NOUN
fsr-3146	243	6	and	and	CCONJ
fsr-3146	243	7	catching	catch	VERB
fsr-3146	243	8	up	up	ADP
fsr-3146	243	9	with	with	ADP
fsr-3146	243	10	the	the	DET
fsr-3146	243	11	joneses	jones	NOUN
fsr-3146	243	12	.	.	PUNCT
fsr-3146	244	1	the	the	DET
fsr-3146	244	2	american	american	PROPN
fsr-3146	244	3	economic	economic	PROPN
fsr-3146	244	4	review	review	PROPN
fsr-3146	244	5	,	,	PUNCT
fsr-3146	244	6	80	80	NUM
fsr-3146	244	7	,	,	PUNCT
fsr-3146	244	8	38–42	38–42	NUM
fsr-3146	244	9	.	.	PUNCT
fsr-3146	244	10	baker	baker	PROPN
fsr-3146	244	11	,	,	PUNCT
fsr-3146	244	12	m.	m.	NOUN
fsr-3146	244	13	,	,	PUNCT
fsr-3146	244	14	&	&	CCONJ
fsr-3146	244	15	wurgler	wurgler	PROPN
fsr-3146	244	16	,	,	PUNCT
fsr-3146	244	17	j.	j.	PROPN
fsr-3146	244	18	(	(	PUNCT
fsr-3146	244	19	2002	2002	NUM
fsr-3146	244	20	)	)	PUNCT
fsr-3146	244	21	.	.	PUNCT
fsr-3146	245	1	the	the	DET
fsr-3146	245	2	equity	equity	NOUN
fsr-3146	245	3	share	share	NOUN
fsr-3146	245	4	in	in	ADP
fsr-3146	245	5	new	new	ADJ
fsr-3146	245	6	issues	issue	NOUN
fsr-3146	245	7	and	and	CCONJ
fsr-3146	245	8	aggregate	aggregate	VERB
fsr-3146	245	9	stock	stock	NOUN
fsr-3146	245	10	returns	return	NOUN
fsr-3146	245	11	.	.	PUNCT
fsr-3146	246	1	the	the	DET
fsr-3146	246	2	journal	journal	PROPN
fsr-3146	246	3	of	of	ADP
fsr-3146	246	4	finance	finance	NOUN
fsr-3146	246	5	,	,	PUNCT
fsr-3146	246	6	55	55	NUM
fsr-3146	246	7	,	,	PUNCT
fsr-3146	246	8	2219–2257	2219–2257	NUM
fsr-3146	246	9	.	.	PUNCT
fsr-3146	247	1	baker	baker	PROPN
fsr-3146	247	2	,	,	PUNCT
fsr-3146	247	3	m.	m.	NOUN
fsr-3146	247	4	,	,	PUNCT
fsr-3146	247	5	&	&	CCONJ
fsr-3146	247	6	wurgler	wurgler	PROPN
fsr-3146	247	7	,	,	PUNCT
fsr-3146	247	8	j.	j.	PROPN
fsr-3146	247	9	(	(	PUNCT
fsr-3146	247	10	2006	2006	NUM
fsr-3146	247	11	)	)	PUNCT
fsr-3146	247	12	.	.	PUNCT
fsr-3146	248	1	investor	investor	NOUN
fsr-3146	248	2	sentiment	sentiment	NOUN
fsr-3146	248	3	and	and	CCONJ
fsr-3146	248	4	the	the	DET
fsr-3146	248	5	cross	cross	NOUN
fsr-3146	248	6	-	-	NOUN
fsr-3146	248	7	section	section	NOUN
fsr-3146	248	8	of	of	ADP
fsr-3146	248	9	stock	stock	NOUN
fsr-3146	248	10	returns	return	NOUN
fsr-3146	248	11	.	.	PUNCT
fsr-3146	249	1	the	the	DET
fsr-3146	249	2	journal	journal	NOUN
fsr-3146	249	3	of	of	ADP
fsr-3146	249	4	finance	finance	NOUN
fsr-3146	249	5	,	,	PUNCT
fsr-3146	249	6	61	61	NUM
fsr-3146	249	7	,	,	PUNCT
fsr-3146	249	8	1645–1680	1645–1680	NUM
fsr-3146	249	9	.	.	NOUN
fsr-3146	249	10	216	216	NUM
fsr-3146	249	11	m.	m.	NOUN
fsr-3146	249	12	guillemette	guillemette	NOUN
fsr-3146	249	13	,	,	PUNCT
fsr-3146	249	14	d.	d.	PROPN
fsr-3146	249	15	nanigian	nanigian	PROPN
fsr-3146	249	16	/	/	SYM
fsr-3146	249	17	financial	financial	ADJ
fsr-3146	249	18	services	service	NOUN
fsr-3146	249	19	review	review	VERB
fsr-3146	249	20	23	23	NUM
fsr-3146	249	21	(	(	PUNCT
fsr-3146	249	22	2014	2014	NUM
fsr-3146	249	23	)	)	PUNCT
fsr-3146	250	1	207–218	207–218	NUM
fsr-3146	250	2	baker	baker	NOUN
fsr-3146	250	3	,	,	PUNCT
fsr-3146	250	4	m.	m.	NOUN
fsr-3146	250	5	,	,	PUNCT
fsr-3146	250	6	&	&	CCONJ
fsr-3146	250	7	wurgler	wurgler	PROPN
fsr-3146	250	8	,	,	PUNCT
fsr-3146	250	9	j.	j.	PROPN
fsr-3146	250	10	(	(	PUNCT
fsr-3146	250	11	2007	2007	NUM
fsr-3146	250	12	)	)	PUNCT
fsr-3146	250	13	.	.	PUNCT
fsr-3146	251	1	investor	investor	NOUN
fsr-3146	251	2	sentiment	sentiment	NOUN
fsr-3146	251	3	in	in	ADP
fsr-3146	251	4	the	the	DET
fsr-3146	251	5	stock	stock	NOUN
fsr-3146	251	6	market	market	NOUN
fsr-3146	251	7	.	.	PUNCT
fsr-3146	252	1	journal	journal	NOUN
fsr-3146	252	2	of	of	ADP
fsr-3146	252	3	economic	economic	ADJ
fsr-3146	252	4	perspectives	perspective	NOUN
fsr-3146	252	5	,	,	PUNCT
fsr-3146	252	6	21	21	NUM
fsr-3146	252	7	,	,	PUNCT
fsr-3146	252	8	129–151	129–151	NUM
fsr-3146	252	9	.	.	PUNCT
fsr-3146	252	10	barberis	barberis	PROPN
fsr-3146	252	11	,	,	PUNCT
fsr-3146	252	12	n.	n.	PROPN
fsr-3146	252	13	,	,	PUNCT
fsr-3146	252	14	huang	huang	PROPN
fsr-3146	252	15	,	,	PUNCT
fsr-3146	252	16	m.	m.	NOUN
fsr-3146	252	17	,	,	PUNCT
fsr-3146	252	18	&	&	CCONJ
fsr-3146	252	19	santos	santos	PROPN
fsr-3146	252	20	,	,	PUNCT
fsr-3146	252	21	t.	t.	PROPN
fsr-3146	252	22	(	(	PUNCT
fsr-3146	252	23	2001	2001	NUM
fsr-3146	252	24	)	)	PUNCT
fsr-3146	252	25	.	.	PUNCT
fsr-3146	253	1	prospect	prospect	NOUN
fsr-3146	253	2	theory	theory	NOUN
fsr-3146	253	3	and	and	CCONJ
fsr-3146	253	4	asset	asset	NOUN
fsr-3146	253	5	prices	price	NOUN
fsr-3146	253	6	.	.	PUNCT
fsr-3146	254	1	the	the	DET
fsr-3146	254	2	quarterly	quarterly	ADJ
fsr-3146	254	3	journal	journal	NOUN
fsr-3146	254	4	of	of	ADP
fsr-3146	254	5	economics	economic	NOUN
fsr-3146	254	6	,	,	PUNCT
fsr-3146	254	7	116	116	NUM
fsr-3146	254	8	,	,	PUNCT
fsr-3146	254	9	1–53	1–53	NOUN
fsr-3146	254	10	.	.	PUNCT
fsr-3146	254	11	barberis	barberis	PROPN
fsr-3146	254	12	,	,	PUNCT
fsr-3146	254	13	n.	n.	NOUN
fsr-3146	254	14	,	,	PUNCT
fsr-3146	254	15	shleifer	shleifer	PROPN
fsr-3146	254	16	,	,	PUNCT
fsr-3146	254	17	a.	a.	PROPN
fsr-3146	254	18	,	,	PUNCT
fsr-3146	254	19	&	&	CCONJ
fsr-3146	254	20	vishny	vishny	PROPN
fsr-3146	254	21	,	,	PUNCT
fsr-3146	254	22	r.	r.	PROPN
fsr-3146	254	23	(	(	PUNCT
fsr-3146	254	24	1998	1998	NUM
fsr-3146	254	25	)	)	PUNCT
fsr-3146	254	26	.	.	PUNCT
fsr-3146	255	1	a	a	DET
fsr-3146	255	2	model	model	NOUN
fsr-3146	255	3	of	of	ADP
fsr-3146	255	4	investor	investor	NOUN
fsr-3146	255	5	sentiment	sentiment	NOUN
fsr-3146	255	6	.	.	PUNCT
fsr-3146	256	1	journal	journal	NOUN
fsr-3146	256	2	of	of	ADP
fsr-3146	256	3	financial	financial	ADJ
fsr-3146	256	4	economics	economic	NOUN
fsr-3146	256	5	,	,	PUNCT
fsr-3146	256	6	49	49	NUM
fsr-3146	256	7	,	,	PUNCT
fsr-3146	256	8	307–343	307–343	NUM
fsr-3146	256	9	.	.	PUNCT
fsr-3146	257	1	basu	basu	PROPN
fsr-3146	257	2	,	,	PUNCT
fsr-3146	257	3	s.	s.	PROPN
fsr-3146	257	4	(	(	PUNCT
fsr-3146	257	5	1977	1977	NUM
fsr-3146	257	6	)	)	PUNCT
fsr-3146	257	7	.	.	PUNCT
fsr-3146	258	1	investment	investment	NOUN
fsr-3146	258	2	performance	performance	NOUN
fsr-3146	258	3	of	of	ADP
fsr-3146	258	4	common	common	ADJ
fsr-3146	258	5	stocks	stock	NOUN
fsr-3146	258	6	in	in	ADP
fsr-3146	258	7	relation	relation	NOUN
fsr-3146	258	8	to	to	ADP
fsr-3146	258	9	their	their	PRON
fsr-3146	258	10	price	price	NOUN
fsr-3146	258	11	-	-	PUNCT
fsr-3146	258	12	earnings	earning	NOUN
fsr-3146	258	13	ratios	ratio	NOUN
fsr-3146	258	14	:	:	PUNCT
fsr-3146	258	15	a	a	DET
fsr-3146	258	16	test	test	NOUN
fsr-3146	258	17	of	of	ADP
fsr-3146	258	18	the	the	DET
fsr-3146	258	19	efficient	efficient	ADJ
fsr-3146	258	20	market	market	NOUN
fsr-3146	258	21	hypothesis	hypothesis	NOUN
fsr-3146	258	22	.	.	PUNCT
fsr-3146	259	1	the	the	DET
fsr-3146	259	2	journal	journal	PROPN
fsr-3146	259	3	of	of	ADP
fsr-3146	259	4	finance	finance	NOUN
fsr-3146	259	5	,	,	PUNCT
fsr-3146	259	6	32	32	NUM
fsr-3146	259	7	,	,	PUNCT
fsr-3146	259	8	663–682	663–682	NUM
fsr-3146	259	9	.	.	PUNCT
fsr-3146	260	1	benartzi	benartzi	PROPN
fsr-3146	260	2	,	,	PUNCT
fsr-3146	260	3	s.	s.	PROPN
fsr-3146	260	4	,	,	PUNCT
fsr-3146	260	5	&	&	CCONJ
fsr-3146	260	6	thaler	thaler	PROPN
fsr-3146	260	7	,	,	PUNCT
fsr-3146	260	8	r.	r.	PROPN
fsr-3146	260	9	(	(	PUNCT
fsr-3146	260	10	1995	1995	NUM
fsr-3146	260	11	)	)	PUNCT
fsr-3146	260	12	.	.	PUNCT
fsr-3146	261	1	myopic	myopic	ADJ
fsr-3146	261	2	loss	loss	NOUN
fsr-3146	261	3	aversion	aversion	NOUN
fsr-3146	261	4	and	and	CCONJ
fsr-3146	261	5	the	the	DET
fsr-3146	261	6	equity	equity	NOUN
fsr-3146	261	7	premium	premium	NOUN
fsr-3146	261	8	puzzle	puzzle	NOUN
fsr-3146	261	9	.	.	PUNCT
fsr-3146	262	1	quarterly	quarterly	ADJ
fsr-3146	262	2	journal	journal	NOUN
fsr-3146	262	3	of	of	ADP
fsr-3146	262	4	economics	economic	NOUN
fsr-3146	262	5	,	,	PUNCT
fsr-3146	262	6	110	110	NUM
fsr-3146	262	7	,	,	PUNCT
fsr-3146	262	8	73–92	73–92	NUM
fsr-3146	262	9	.	.	PUNCT
fsr-3146	263	1	blanchett	blanchett	PROPN
fsr-3146	263	2	,	,	PUNCT
fsr-3146	263	3	d.	d.	PROPN
fsr-3146	263	4	,	,	PUNCT
fsr-3146	263	5	finke	finke	PROPN
fsr-3146	263	6	,	,	PUNCT
fsr-3146	263	7	m.	m.	NOUN
fsr-3146	263	8	s.	s.	PROPN
fsr-3146	263	9	,	,	PUNCT
fsr-3146	263	10	&	&	CCONJ
fsr-3146	263	11	pfau	pfau	PROPN
fsr-3146	263	12	,	,	PUNCT
fsr-3146	263	13	w.	w.	PROPN
fsr-3146	263	14	(	(	PUNCT
fsr-3146	263	15	2013	2013	NUM
fsr-3146	263	16	)	)	PUNCT
fsr-3146	263	17	.	.	PUNCT
fsr-3146	264	1	optimal	optimal	ADJ
fsr-3146	264	2	portfolios	portfolio	NOUN
fsr-3146	264	3	for	for	ADP
fsr-3146	264	4	the	the	DET
fsr-3146	264	5	long	long	ADJ
fsr-3146	264	6	run	run	NOUN
fsr-3146	264	7	.	.	PUNCT
fsr-3146	265	1	available	available	ADJ
fsr-3146	265	2	at	at	ADP
fsr-3146	265	3	ssrn	ssrn	NOUN
fsr-3146	265	4	:	:	PUNCT
fsr-3146	265	5	http://papers.ssrn.com/sol3/papers.cfm?abstract_id�2320828	http://papers.ssrn.com/sol3/papers.cfm?abstract_id�2320828	NOUN
fsr-3146	265	6	.	.	PUNCT
fsr-3146	266	1	booij	booij	PROPN
fsr-3146	266	2	,	,	PUNCT
fsr-3146	266	3	a.	a.	PROPN
fsr-3146	266	4	s.	s.	PROPN
fsr-3146	266	5	,	,	PUNCT
fsr-3146	266	6	&	&	CCONJ
fsr-3146	266	7	van	van	PROPN
fsr-3146	266	8	de	de	PROPN
fsr-3146	266	9	kuilen	kuilen	PROPN
fsr-3146	266	10	,	,	PUNCT
fsr-3146	266	11	g.	g.	PROPN
fsr-3146	266	12	(	(	PUNCT
fsr-3146	266	13	2009	2009	NUM
fsr-3146	266	14	)	)	PUNCT
fsr-3146	266	15	.	.	PUNCT
fsr-3146	267	1	a	a	DET
fsr-3146	267	2	parameter	parameter	NOUN
fsr-3146	267	3	-	-	PUNCT
fsr-3146	267	4	free	free	ADJ
fsr-3146	267	5	analysis	analysis	NOUN
fsr-3146	267	6	of	of	ADP
fsr-3146	267	7	the	the	DET
fsr-3146	267	8	utility	utility	NOUN
fsr-3146	267	9	of	of	ADP
fsr-3146	267	10	money	money	NOUN
fsr-3146	267	11	for	for	ADP
fsr-3146	267	12	the	the	DET
fsr-3146	267	13	general	general	ADJ
fsr-3146	267	14	population	population	NOUN
fsr-3146	267	15	under	under	ADP
fsr-3146	267	16	prospect	prospect	NOUN
fsr-3146	267	17	theory	theory	NOUN
fsr-3146	267	18	.	.	PUNCT
fsr-3146	268	1	journal	journal	NOUN
fsr-3146	268	2	of	of	ADP
fsr-3146	268	3	economic	economic	ADJ
fsr-3146	268	4	psychology	psychology	NOUN
fsr-3146	268	5	,	,	PUNCT
fsr-3146	268	6	30	30	NUM
fsr-3146	268	7	,	,	PUNCT
fsr-3146	268	8	651–666	651–666	NUM
fsr-3146	268	9	.	.	PUNCT
fsr-3146	269	1	campbell	campbell	PROPN
fsr-3146	269	2	,	,	PUNCT
fsr-3146	269	3	j.	j.	PROPN
fsr-3146	269	4	y.	y.	PROPN
fsr-3146	269	5	,	,	PUNCT
fsr-3146	269	6	&	&	CCONJ
fsr-3146	269	7	cochrane	cochrane	PROPN
fsr-3146	269	8	j.	j.	PROPN
fsr-3146	269	9	h.	h.	PROPN
fsr-3146	269	10	(	(	PUNCT
fsr-3146	269	11	1999	1999	NUM
fsr-3146	269	12	)	)	PUNCT
fsr-3146	269	13	.	.	PUNCT
fsr-3146	270	1	by	by	ADP
fsr-3146	270	2	force	force	NOUN
fsr-3146	270	3	of	of	ADP
fsr-3146	270	4	habit	habit	NOUN
fsr-3146	270	5	:	:	PUNCT
fsr-3146	270	6	a	a	DET
fsr-3146	270	7	consumption	consumption	NOUN
fsr-3146	270	8	-	-	PUNCT
fsr-3146	270	9	based	base	VERB
fsr-3146	270	10	explanation	explanation	NOUN
fsr-3146	270	11	of	of	ADP
fsr-3146	270	12	aggregate	aggregate	ADJ
fsr-3146	270	13	stock	stock	NOUN
fsr-3146	270	14	market	market	NOUN
fsr-3146	270	15	behavior	behavior	NOUN
fsr-3146	270	16	.	.	PUNCT
fsr-3146	271	1	journal	journal	NOUN
fsr-3146	271	2	of	of	ADP
fsr-3146	271	3	political	political	ADJ
fsr-3146	271	4	economy	economy	NOUN
fsr-3146	271	5	,	,	PUNCT
fsr-3146	271	6	107	107	NUM
fsr-3146	271	7	,	,	PUNCT
fsr-3146	271	8	205–251	205–251	NUM
fsr-3146	271	9	.	.	PUNCT
fsr-3146	272	1	campbell	campbell	PROPN
fsr-3146	272	2	,	,	PUNCT
fsr-3146	272	3	j.	j.	PROPN
fsr-3146	272	4	y.	y.	PROPN
fsr-3146	272	5	(	(	PUNCT
fsr-3146	272	6	2003	2003	NUM
fsr-3146	272	7	)	)	PUNCT
fsr-3146	272	8	.	.	PUNCT
fsr-3146	273	1	consumption	consumption	NOUN
fsr-3146	273	2	-	-	PUNCT
fsr-3146	273	3	based	base	VERB
fsr-3146	273	4	asset	asset	NOUN
fsr-3146	273	5	pricing	pricing	NOUN
fsr-3146	273	6	.	.	PUNCT
fsr-3146	274	1	handbook	handbook	NOUN
fsr-3146	274	2	of	of	ADP
fsr-3146	274	3	the	the	DET
fsr-3146	274	4	economics	economic	NOUN
fsr-3146	274	5	of	of	ADP
fsr-3146	274	6	finance	finance	NOUN
fsr-3146	274	7	,	,	PUNCT
fsr-3146	274	8	1	1	NUM
fsr-3146	274	9	,	,	PUNCT
fsr-3146	274	10	803–887	803–887	NUM
fsr-3146	274	11	.	.	PUNCT
fsr-3146	275	1	campbell	campbell	PROPN
fsr-3146	275	2	,	,	PUNCT
fsr-3146	275	3	j.	j.	PROPN
fsr-3146	275	4	y.	y.	PROPN
fsr-3146	275	5	,	,	PUNCT
fsr-3146	275	6	&	&	CCONJ
fsr-3146	275	7	shiller	shiller	PROPN
fsr-3146	275	8	,	,	PUNCT
fsr-3146	275	9	r.	r.	PROPN
fsr-3146	275	10	j.	j.	PROPN
fsr-3146	275	11	(	(	PUNCT
fsr-3146	275	12	1988	1988	NUM
fsr-3146	275	13	)	)	PUNCT
fsr-3146	275	14	.	.	PUNCT
fsr-3146	276	1	stock	stock	NOUN
fsr-3146	276	2	prices	price	NOUN
fsr-3146	276	3	,	,	PUNCT
fsr-3146	276	4	earnings	earning	NOUN
fsr-3146	276	5	,	,	PUNCT
fsr-3146	276	6	and	and	CCONJ
fsr-3146	276	7	expected	expect	VERB
fsr-3146	276	8	dividends	dividend	NOUN
fsr-3146	276	9	.	.	PUNCT
fsr-3146	277	1	the	the	DET
fsr-3146	277	2	journal	journal	NOUN
fsr-3146	277	3	of	of	ADP
fsr-3146	277	4	finance	finance	NOUN
fsr-3146	277	5	,	,	PUNCT
fsr-3146	277	6	43	43	NUM
fsr-3146	277	7	,	,	PUNCT
fsr-3146	277	8	661–676	661–676	NUM
fsr-3146	277	9	.	.	PUNCT
fsr-3146	278	1	carhart	carhart	NOUN
fsr-3146	278	2	,	,	PUNCT
fsr-3146	278	3	m.	m.	NOUN
fsr-3146	278	4	m.	m.	NOUN
fsr-3146	278	5	(	(	PUNCT
fsr-3146	278	6	1997	1997	NUM
fsr-3146	278	7	)	)	PUNCT
fsr-3146	278	8	.	.	PUNCT
fsr-3146	279	1	on	on	ADP
fsr-3146	279	2	persistence	persistence	NOUN
fsr-3146	279	3	in	in	ADP
fsr-3146	279	4	mutual	mutual	ADJ
fsr-3146	279	5	fund	fund	NOUN
fsr-3146	279	6	performance	performance	NOUN
fsr-3146	279	7	.	.	PUNCT
fsr-3146	280	1	the	the	DET
fsr-3146	280	2	journal	journal	PROPN
fsr-3146	280	3	of	of	ADP
fsr-3146	280	4	finance	finance	NOUN
fsr-3146	280	5	,	,	PUNCT
fsr-3146	280	6	52	52	NUM
fsr-3146	280	7	,	,	PUNCT
fsr-3146	280	8	57–82	57–82	NUM
fsr-3146	280	9	.	.	PUNCT
fsr-3146	280	10	constantinides	constantinide	VERB
fsr-3146	280	11	,	,	PUNCT
fsr-3146	280	12	g.	g.	PROPN
fsr-3146	280	13	m.	m.	PROPN
fsr-3146	280	14	(	(	PUNCT
fsr-3146	280	15	1990	1990	NUM
fsr-3146	280	16	)	)	PUNCT
fsr-3146	280	17	.	.	PUNCT
fsr-3146	281	1	habit	habit	PROPN
fsr-3146	281	2	formation	formation	NOUN
fsr-3146	281	3	:	:	PUNCT
fsr-3146	281	4	a	a	DET
fsr-3146	281	5	resolution	resolution	NOUN
fsr-3146	281	6	of	of	ADP
fsr-3146	281	7	the	the	DET
fsr-3146	281	8	equity	equity	NOUN
fsr-3146	281	9	premium	premium	NOUN
fsr-3146	281	10	puzzle	puzzle	NOUN
fsr-3146	281	11	.	.	PUNCT
fsr-3146	282	1	journal	journal	NOUN
fsr-3146	282	2	of	of	ADP
fsr-3146	282	3	political	political	ADJ
fsr-3146	282	4	economy	economy	NOUN
fsr-3146	282	5	,	,	PUNCT
fsr-3146	282	6	98	98	NUM
fsr-3146	282	7	,	,	PUNCT
fsr-3146	282	8	519–543	519–543	NUM
fsr-3146	282	9	.	.	PUNCT
fsr-3146	283	1	cornelli	cornelli	PROPN
fsr-3146	283	2	,	,	PUNCT
fsr-3146	283	3	f.	f.	PROPN
fsr-3146	283	4	,	,	PUNCT
fsr-3146	283	5	goldreich	goldreich	PROPN
fsr-3146	283	6	,	,	PUNCT
fsr-3146	283	7	d.	d.	PROPN
fsr-3146	283	8	,	,	PUNCT
fsr-3146	283	9	&	&	CCONJ
fsr-3146	283	10	ljungqvist	ljungqvist	PROPN
fsr-3146	283	11	,	,	PUNCT
fsr-3146	283	12	a.	a.	NOUN
fsr-3146	283	13	(	(	PUNCT
fsr-3146	283	14	2006	2006	NUM
fsr-3146	283	15	)	)	PUNCT
fsr-3146	283	16	.	.	PUNCT
fsr-3146	284	1	investor	investor	NOUN
fsr-3146	284	2	sentiment	sentiment	NOUN
fsr-3146	284	3	and	and	CCONJ
fsr-3146	284	4	pre	pre	ADJ
fsr-3146	284	5	-	-	ADJ
fsr-3146	284	6	ipo	ipo	ADJ
fsr-3146	284	7	markets	market	NOUN
fsr-3146	284	8	.	.	PUNCT
fsr-3146	285	1	the	the	DET
fsr-3146	285	2	journal	journal	NOUN
fsr-3146	285	3	of	of	ADP
fsr-3146	285	4	finance	finance	NOUN
fsr-3146	285	5	,	,	PUNCT
fsr-3146	285	6	61	61	NUM
fsr-3146	285	7	,	,	PUNCT
fsr-3146	285	8	1187–1216	1187–1216	NUM
fsr-3146	285	9	.	.	PUNCT
fsr-3146	286	1	cremers	cremer	NOUN
fsr-3146	286	2	,	,	PUNCT
fsr-3146	286	3	m.	m.	NOUN
fsr-3146	286	4	,	,	PUNCT
fsr-3146	286	5	&	&	CCONJ
fsr-3146	286	6	petajisto	petajisto	PROPN
fsr-3146	286	7	,	,	PUNCT
fsr-3146	286	8	a.	a.	NOUN
fsr-3146	286	9	(	(	PUNCT
fsr-3146	286	10	2009	2009	NUM
fsr-3146	286	11	)	)	PUNCT
fsr-3146	286	12	.	.	PUNCT
fsr-3146	287	1	how	how	SCONJ
fsr-3146	287	2	active	active	ADJ
fsr-3146	287	3	is	be	AUX
fsr-3146	287	4	your	your	PRON
fsr-3146	287	5	fund	fund	NOUN
fsr-3146	287	6	manager	manager	NOUN
fsr-3146	287	7	?	?	PUNCT
fsr-3146	288	1	a	a	DET
fsr-3146	288	2	new	new	ADJ
fsr-3146	288	3	measure	measure	NOUN
fsr-3146	288	4	that	that	PRON
fsr-3146	288	5	predicts	predict	VERB
fsr-3146	288	6	performance	performance	NOUN
fsr-3146	288	7	.	.	PUNCT
fsr-3146	289	1	review	review	NOUN
fsr-3146	289	2	of	of	ADP
fsr-3146	289	3	financial	financial	ADJ
fsr-3146	289	4	studies	study	NOUN
fsr-3146	289	5	,	,	PUNCT
fsr-3146	289	6	22	22	NUM
fsr-3146	289	7	,	,	PUNCT
fsr-3146	289	8	3329–3365	3329–3365	NUM
fsr-3146	289	9	.	.	PUNCT
fsr-3146	290	1	detzel	detzel	PROPN
fsr-3146	290	2	,	,	PUNCT
fsr-3146	290	3	f.	f.	PROPN
fsr-3146	290	4	l.	l.	PROPN
fsr-3146	290	5	,	,	PUNCT
fsr-3146	290	6	&	&	CCONJ
fsr-3146	290	7	weigand	weigand	PROPN
fsr-3146	290	8	,	,	PUNCT
fsr-3146	290	9	r.	r.	PROPN
fsr-3146	290	10	a.	a.	PROPN
fsr-3146	290	11	(	(	PUNCT
fsr-3146	290	12	1998	1998	NUM
fsr-3146	290	13	)	)	PUNCT
fsr-3146	290	14	.	.	PUNCT
fsr-3146	291	1	explaining	explain	VERB
fsr-3146	291	2	persistence	persistence	NOUN
fsr-3146	291	3	in	in	ADP
fsr-3146	291	4	mutual	mutual	ADJ
fsr-3146	291	5	fund	fund	NOUN
fsr-3146	291	6	performance	performance	NOUN
fsr-3146	291	7	.	.	PUNCT
fsr-3146	292	1	financial	financial	ADJ
fsr-3146	292	2	services	service	NOUN
fsr-3146	292	3	review	review	PROPN
fsr-3146	292	4	,	,	PUNCT
fsr-3146	292	5	7	7	NUM
fsr-3146	292	6	,	,	PUNCT
fsr-3146	292	7	45–55	45–55	NUM
fsr-3146	292	8	.	.	PUNCT
fsr-3146	293	1	duesenberry	duesenberry	NOUN
fsr-3146	293	2	,	,	PUNCT
fsr-3146	293	3	j.	j.	PROPN
fsr-3146	293	4	s.	s.	PROPN
fsr-3146	293	5	(	(	PUNCT
fsr-3146	293	6	1949	1949	NUM
fsr-3146	293	7	)	)	PUNCT
fsr-3146	293	8	.	.	PUNCT
fsr-3146	294	1	income	income	NOUN
fsr-3146	294	2	,	,	PUNCT
fsr-3146	294	3	savings	saving	NOUN
fsr-3146	294	4	,	,	PUNCT
fsr-3146	294	5	and	and	CCONJ
fsr-3146	294	6	the	the	DET
fsr-3146	294	7	theory	theory	NOUN
fsr-3146	294	8	of	of	ADP
fsr-3146	294	9	consumer	consumer	NOUN
fsr-3146	294	10	behaviour	behaviour	NOUN
fsr-3146	294	11	.	.	PUNCT
fsr-3146	295	1	cambridge	cambridge	PROPN
fsr-3146	295	2	,	,	PUNCT
fsr-3146	295	3	ma	ma	PROPN
fsr-3146	295	4	:	:	PUNCT
fsr-3146	295	5	harvard	harvard	PROPN
fsr-3146	295	6	university	university	PROPN
fsr-3146	295	7	press	press	NOUN
fsr-3146	295	8	.	.	PUNCT
fsr-3146	296	1	fama	fama	PROPN
fsr-3146	296	2	,	,	PUNCT
fsr-3146	296	3	e.	e.	PROPN
fsr-3146	296	4	f.	f.	PROPN
fsr-3146	296	5	,	,	PUNCT
fsr-3146	296	6	&	&	CCONJ
fsr-3146	296	7	french	french	PROPN
fsr-3146	296	8	,	,	PUNCT
fsr-3146	296	9	k.	k.	PROPN
fsr-3146	296	10	r.	r.	PROPN
fsr-3146	296	11	(	(	PUNCT
fsr-3146	296	12	1988	1988	NUM
fsr-3146	296	13	)	)	PUNCT
fsr-3146	296	14	.	.	PUNCT
fsr-3146	297	1	dividend	dividend	NOUN
fsr-3146	297	2	yields	yield	NOUN
fsr-3146	297	3	and	and	CCONJ
fsr-3146	297	4	expected	expect	VERB
fsr-3146	297	5	stock	stock	NOUN
fsr-3146	297	6	returns	return	NOUN
fsr-3146	297	7	.	.	PUNCT
fsr-3146	298	1	journal	journal	NOUN
fsr-3146	298	2	of	of	ADP
fsr-3146	298	3	financial	financial	ADJ
fsr-3146	298	4	economics	economic	NOUN
fsr-3146	298	5	,	,	PUNCT
fsr-3146	298	6	22	22	NUM
fsr-3146	298	7	,	,	PUNCT
fsr-3146	298	8	3–25	3–25	PROPN
fsr-3146	298	9	.	.	PUNCT
fsr-3146	299	1	friesen	friesen	PROPN
fsr-3146	299	2	,	,	PUNCT
fsr-3146	299	3	g.	g.	PROPN
fsr-3146	299	4	c.	c.	PROPN
fsr-3146	299	5	,	,	PUNCT
fsr-3146	299	6	&	&	CCONJ
fsr-3146	299	7	sapp	sapp	PROPN
fsr-3146	299	8	,	,	PUNCT
fsr-3146	299	9	t.	t.	PROPN
fsr-3146	299	10	r.	r.	PROPN
fsr-3146	299	11	(	(	PUNCT
fsr-3146	299	12	2007	2007	NUM
fsr-3146	299	13	)	)	PUNCT
fsr-3146	299	14	.	.	PUNCT
fsr-3146	300	1	mutual	mutual	ADJ
fsr-3146	300	2	fund	fund	NOUN
fsr-3146	300	3	flows	flow	NOUN
fsr-3146	300	4	and	and	CCONJ
fsr-3146	300	5	investor	investor	NOUN
fsr-3146	300	6	returns	return	NOUN
fsr-3146	300	7	:	:	PUNCT
fsr-3146	300	8	an	an	DET
fsr-3146	300	9	empirical	empirical	ADJ
fsr-3146	300	10	examination	examination	NOUN
fsr-3146	300	11	of	of	ADP
fsr-3146	300	12	fund	fund	NOUN
fsr-3146	300	13	investor	investor	NOUN
fsr-3146	300	14	timing	timing	NOUN
fsr-3146	300	15	ability	ability	NOUN
fsr-3146	300	16	.	.	PUNCT
fsr-3146	301	1	journal	journal	NOUN
fsr-3146	301	2	of	of	ADP
fsr-3146	301	3	banking	banking	NOUN
fsr-3146	301	4	&	&	CCONJ
fsr-3146	301	5	finance	finance	PROPN
fsr-3146	301	6	,	,	PUNCT
fsr-3146	301	7	31	31	NUM
fsr-3146	301	8	,	,	PUNCT
fsr-3146	301	9	2796–2816	2796–2816	NUM
fsr-3146	301	10	.	.	PUNCT
fsr-3146	302	1	gibson	gibson	PROPN
fsr-3146	302	2	,	,	PUNCT
fsr-3146	302	3	r.	r.	PROPN
fsr-3146	302	4	,	,	PUNCT
fsr-3146	302	5	michayluk	michayluk	PROPN
fsr-3146	302	6	,	,	PUNCT
fsr-3146	302	7	d.	d.	PROPN
fsr-3146	302	8	,	,	PUNCT
fsr-3146	302	9	&	&	CCONJ
fsr-3146	302	10	van	van	PROPN
fsr-3146	302	11	de	de	PROPN
fsr-3146	302	12	venter	venter	PROPN
fsr-3146	302	13	,	,	PUNCT
fsr-3146	302	14	g.	g.	PROPN
fsr-3146	302	15	(	(	PUNCT
fsr-3146	302	16	2013	2013	NUM
fsr-3146	302	17	)	)	PUNCT
fsr-3146	302	18	.	.	PUNCT
fsr-3146	303	1	financial	financial	ADJ
fsr-3146	303	2	risk	risk	NOUN
fsr-3146	303	3	tolerance	tolerance	NOUN
fsr-3146	303	4	:	:	PUNCT
fsr-3146	303	5	an	an	DET
fsr-3146	303	6	analysis	analysis	NOUN
fsr-3146	303	7	of	of	ADP
fsr-3146	303	8	unexplored	unexplored	ADJ
fsr-3146	303	9	factors	factor	NOUN
fsr-3146	303	10	.	.	PUNCT
fsr-3146	304	1	financial	financial	ADJ
fsr-3146	304	2	services	service	NOUN
fsr-3146	304	3	review	review	PROPN
fsr-3146	304	4	,	,	PUNCT
fsr-3146	304	5	22	22	NUM
fsr-3146	304	6	,	,	PUNCT
fsr-3146	304	7	23–50	23–50	NUM
fsr-3146	304	8	.	.	PUNCT
fsr-3146	305	1	guillemette	guillemette	NOUN
fsr-3146	305	2	,	,	PUNCT
fsr-3146	305	3	m.	m.	NOUN
fsr-3146	305	4	a.	a.	PROPN
fsr-3146	305	5	,	,	PUNCT
fsr-3146	305	6	&	&	CCONJ
fsr-3146	305	7	finke	finke	PROPN
fsr-3146	305	8	,	,	PUNCT
fsr-3146	305	9	m.	m.	NOUN
fsr-3146	305	10	s.	s.	PROPN
fsr-3146	305	11	(	(	PUNCT
fsr-3146	305	12	in	in	ADP
fsr-3146	305	13	press	press	NOUN
fsr-3146	305	14	)	)	PUNCT
fsr-3146	305	15	.	.	PUNCT
fsr-3146	306	1	changing	change	VERB
fsr-3146	306	2	risk	risk	NOUN
fsr-3146	306	3	tolerance	tolerance	NOUN
fsr-3146	306	4	.	.	PUNCT
fsr-3146	307	1	journal	journal	NOUN
fsr-3146	307	2	of	of	ADP
fsr-3146	307	3	financial	financial	ADJ
fsr-3146	307	4	planning	planning	NOUN
fsr-3146	307	5	.	.	PUNCT
fsr-3146	308	1	heaton	heaton	PROPN
fsr-3146	308	2	,	,	PUNCT
fsr-3146	308	3	j.	j.	PROPN
fsr-3146	308	4	,	,	PUNCT
fsr-3146	308	5	&	&	CCONJ
fsr-3146	308	6	lucas	lucas	PROPN
fsr-3146	308	7	,	,	PUNCT
fsr-3146	308	8	d.	d.	PROPN
fsr-3146	308	9	(	(	PUNCT
fsr-3146	308	10	2001	2001	NUM
fsr-3146	308	11	)	)	PUNCT
fsr-3146	308	12	.	.	PUNCT
fsr-3146	309	1	portfolio	portfolio	NOUN
fsr-3146	309	2	choice	choice	NOUN
fsr-3146	309	3	in	in	ADP
fsr-3146	309	4	the	the	DET
fsr-3146	309	5	presence	presence	NOUN
fsr-3146	309	6	of	of	ADP
fsr-3146	309	7	background	background	NOUN
fsr-3146	309	8	risk	risk	NOUN
fsr-3146	309	9	.	.	PUNCT
fsr-3146	310	1	the	the	DET
fsr-3146	310	2	economic	economic	ADJ
fsr-3146	310	3	journal	journal	NOUN
fsr-3146	310	4	,	,	PUNCT
fsr-3146	310	5	110	110	NUM
fsr-3146	310	6	,	,	PUNCT
fsr-3146	310	7	1–26	1–26	NOUN
fsr-3146	310	8	.	.	PUNCT
fsr-3146	311	1	hoffmann	hoffmann	PROPN
fsr-3146	311	2	,	,	PUNCT
fsr-3146	311	3	a.	a.	NOUN
fsr-3146	311	4	o.	o.	PROPN
fsr-3146	311	5	,	,	PUNCT
fsr-3146	311	6	post	post	NOUN
fsr-3146	311	7	,	,	PUNCT
fsr-3146	311	8	t.	t.	PROPN
fsr-3146	311	9	,	,	PUNCT
fsr-3146	311	10	&	&	CCONJ
fsr-3146	311	11	pennings	penning	NOUN
fsr-3146	311	12	,	,	PUNCT
fsr-3146	311	13	j.	j.	PROPN
fsr-3146	311	14	m.	m.	PROPN
fsr-3146	311	15	(	(	PUNCT
fsr-3146	311	16	2013	2013	NUM
fsr-3146	311	17	)	)	PUNCT
fsr-3146	311	18	.	.	PUNCT
fsr-3146	312	1	individual	individual	ADJ
fsr-3146	312	2	investor	investor	NOUN
fsr-3146	312	3	perceptions	perception	NOUN
fsr-3146	312	4	and	and	CCONJ
fsr-3146	312	5	behavior	behavior	NOUN
fsr-3146	312	6	during	during	ADP
fsr-3146	312	7	the	the	DET
fsr-3146	312	8	financial	financial	ADJ
fsr-3146	312	9	crisis	crisis	NOUN
fsr-3146	312	10	.	.	PUNCT
fsr-3146	313	1	journal	journal	NOUN
fsr-3146	313	2	of	of	ADP
fsr-3146	313	3	banking	banking	NOUN
fsr-3146	313	4	&	&	CCONJ
fsr-3146	313	5	finance	finance	PROPN
fsr-3146	313	6	,	,	PUNCT
fsr-3146	313	7	37	37	NUM
fsr-3146	313	8	,	,	PUNCT
fsr-3146	313	9	60–74	60–74	NUM
fsr-3146	313	10	.	.	PUNCT
fsr-3146	314	1	hong	hong	PROPN
fsr-3146	314	2	,	,	PUNCT
fsr-3146	314	3	h.	h.	PROPN
fsr-3146	314	4	,	,	PUNCT
fsr-3146	314	5	scheinkman	scheinkman	PROPN
fsr-3146	314	6	,	,	PUNCT
fsr-3146	314	7	j.	j.	PROPN
fsr-3146	314	8	,	,	PUNCT
fsr-3146	314	9	&	&	CCONJ
fsr-3146	314	10	xiong	xiong	PROPN
fsr-3146	314	11	,	,	PUNCT
fsr-3146	314	12	w.	w.	PROPN
fsr-3146	314	13	(	(	PUNCT
fsr-3146	314	14	2006	2006	NUM
fsr-3146	314	15	)	)	PUNCT
fsr-3146	314	16	.	.	PUNCT
fsr-3146	315	1	asset	asset	NOUN
fsr-3146	315	2	float	float	VERB
fsr-3146	315	3	and	and	CCONJ
fsr-3146	315	4	speculative	speculative	ADJ
fsr-3146	315	5	bubbles	bubble	NOUN
fsr-3146	315	6	.	.	PUNCT
fsr-3146	316	1	the	the	DET
fsr-3146	316	2	journal	journal	NOUN
fsr-3146	316	3	of	of	ADP
fsr-3146	316	4	finance	finance	NOUN
fsr-3146	316	5	,	,	PUNCT
fsr-3146	316	6	61	61	NUM
fsr-3146	316	7	,	,	PUNCT
fsr-3146	316	8	1073–1117	1073–1117	NUM
fsr-3146	316	9	.	.	PUNCT
fsr-3146	317	1	ilmanen	ilmanen	PROPN
fsr-3146	317	2	,	,	PUNCT
fsr-3146	317	3	a.	a.	NOUN
fsr-3146	317	4	(	(	PUNCT
fsr-3146	317	5	1995	1995	NUM
fsr-3146	317	6	)	)	PUNCT
fsr-3146	317	7	.	.	PUNCT
fsr-3146	318	1	time	time	NOUN
fsr-3146	318	2	varying	vary	VERB
fsr-3146	318	3	expected	expect	VERB
fsr-3146	318	4	returns	return	NOUN
fsr-3146	318	5	in	in	ADP
fsr-3146	318	6	international	international	ADJ
fsr-3146	318	7	bond	bond	NOUN
fsr-3146	318	8	markets	market	NOUN
fsr-3146	318	9	.	.	PUNCT
fsr-3146	319	1	the	the	DET
fsr-3146	319	2	journal	journal	NOUN
fsr-3146	319	3	of	of	ADP
fsr-3146	319	4	finance	finance	NOUN
fsr-3146	319	5	,	,	PUNCT
fsr-3146	319	6	50	50	NUM
fsr-3146	319	7	,	,	PUNCT
fsr-3146	319	8	481–506	481–506	NUM
fsr-3146	319	9	.	.	PUNCT
fsr-3146	320	1	james	james	PROPN
fsr-3146	320	2	,	,	PUNCT
fsr-3146	320	3	r.	r.	PROPN
fsr-3146	320	4	(	(	PUNCT
fsr-3146	320	5	2013	2013	NUM
fsr-3146	320	6	)	)	PUNCT
fsr-3146	320	7	.	.	PUNCT
fsr-3146	321	1	brain	brain	NOUN
fsr-3146	321	2	activity	activity	NOUN
fsr-3146	321	3	suggests	suggest	VERB
fsr-3146	321	4	planning	plan	VERB
fsr-3146	321	5	designation	designation	NOUN
fsr-3146	321	6	helps	help	VERB
fsr-3146	321	7	calm	calm	ADJ
fsr-3146	321	8	investors	investor	NOUN
fsr-3146	321	9	.	.	PUNCT
fsr-3146	322	1	the	the	DET
fsr-3146	322	2	journal	journal	NOUN
fsr-3146	322	3	of	of	ADP
fsr-3146	322	4	financial	financial	ADJ
fsr-3146	322	5	planning	planning	NOUN
fsr-3146	322	6	,	,	PUNCT
fsr-3146	322	7	26	26	NUM
fsr-3146	322	8	,	,	PUNCT
fsr-3146	322	9	52–59	52–59	NUM
fsr-3146	322	10	.	.	PUNCT
fsr-3146	323	1	kahneman	kahneman	PROPN
fsr-3146	323	2	,	,	PUNCT
fsr-3146	323	3	d.	d.	PROPN
fsr-3146	323	4	,	,	PUNCT
fsr-3146	323	5	&	&	CCONJ
fsr-3146	323	6	tversky	tversky	PROPN
fsr-3146	323	7	,	,	PUNCT
fsr-3146	323	8	a.	a.	NOUN
fsr-3146	323	9	(	(	PUNCT
fsr-3146	323	10	1979	1979	NUM
fsr-3146	323	11	)	)	PUNCT
fsr-3146	323	12	.	.	PUNCT
fsr-3146	324	1	prospect	prospect	PROPN
fsr-3146	324	2	theory	theory	NOUN
fsr-3146	324	3	:	:	PUNCT
fsr-3146	324	4	an	an	DET
fsr-3146	324	5	analysis	analysis	NOUN
fsr-3146	324	6	of	of	ADP
fsr-3146	324	7	decision	decision	NOUN
fsr-3146	324	8	under	under	ADP
fsr-3146	324	9	risk	risk	NOUN
fsr-3146	324	10	.	.	PUNCT
fsr-3146	325	1	econometrica	econometrica	PROPN
fsr-3146	325	2	,	,	PUNCT
fsr-3146	325	3	47	47	NUM
fsr-3146	325	4	,	,	PUNCT
fsr-3146	325	5	263–291	263–291	NUM
fsr-3146	325	6	.	.	PUNCT
fsr-3146	326	1	lee	lee	PROPN
fsr-3146	326	2	,	,	PUNCT
fsr-3146	326	3	c.	c.	PROPN
fsr-3146	326	4	m.	m.	PROPN
fsr-3146	326	5	,	,	PUNCT
fsr-3146	326	6	shleifer	shleifer	PROPN
fsr-3146	326	7	a.	a.	PROPN
fsr-3146	326	8	,	,	PUNCT
fsr-3146	326	9	&	&	CCONJ
fsr-3146	326	10	thaler	thaler	PROPN
fsr-3146	326	11	r.	r.	PROPN
fsr-3146	326	12	h.	h.	PROPN
fsr-3146	326	13	(	(	PUNCT
fsr-3146	326	14	1991	1991	NUM
fsr-3146	326	15	)	)	PUNCT
fsr-3146	326	16	.	.	PUNCT
fsr-3146	327	1	investor	investor	NOUN
fsr-3146	327	2	sentiment	sentiment	NOUN
fsr-3146	327	3	and	and	CCONJ
fsr-3146	327	4	the	the	DET
fsr-3146	327	5	close	close	ADJ
fsr-3146	327	6	-	-	PUNCT
fsr-3146	327	7	end	end	NOUN
fsr-3146	327	8	fund	fund	NOUN
fsr-3146	327	9	puzzle	puzzle	NOUN
fsr-3146	327	10	.	.	PUNCT
fsr-3146	328	1	journal	journal	NOUN
fsr-3146	328	2	of	of	ADP
fsr-3146	328	3	finance	finance	NOUN
fsr-3146	328	4	,	,	PUNCT
fsr-3146	328	5	46	46	NUM
fsr-3146	328	6	,	,	PUNCT
fsr-3146	328	7	75–109	75–109	NUM
fsr-3146	328	8	.	.	NOUN
fsr-3146	328	9	217	217	NUM
fsr-3146	328	10	m.	m.	NOUN
fsr-3146	328	11	guillemette	guillemette	NOUN
fsr-3146	328	12	,	,	PUNCT
fsr-3146	328	13	d.	d.	PROPN
fsr-3146	328	14	nanigian	nanigian	PROPN
fsr-3146	328	15	/	/	SYM
fsr-3146	328	16	financial	financial	ADJ
fsr-3146	328	17	services	service	NOUN
fsr-3146	328	18	review	review	VERB
fsr-3146	328	19	23	23	NUM
fsr-3146	328	20	(	(	PUNCT
fsr-3146	328	21	2014	2014	NUM
fsr-3146	328	22	)	)	PUNCT
fsr-3146	329	1	207–218	207–218	NUM
fsr-3146	329	2	lowry	lowry	NOUN
fsr-3146	329	3	,	,	PUNCT
fsr-3146	329	4	m.	m.	NOUN
fsr-3146	329	5	,	,	PUNCT
fsr-3146	329	6	&	&	CCONJ
fsr-3146	329	7	schwert	schwert	PROPN
fsr-3146	329	8	,	,	PUNCT
fsr-3146	329	9	g.	g.	PROPN
fsr-3146	329	10	w.	w.	PROPN
fsr-3146	329	11	(	(	PUNCT
fsr-3146	329	12	2002	2002	NUM
fsr-3146	329	13	)	)	PUNCT
fsr-3146	329	14	.	.	PUNCT
fsr-3146	330	1	ipo	ipo	NOUN
fsr-3146	330	2	market	market	NOUN
fsr-3146	330	3	cycles	cycle	NOUN
fsr-3146	330	4	:	:	PUNCT
fsr-3146	330	5	bubbles	bubble	NOUN
fsr-3146	330	6	or	or	CCONJ
fsr-3146	330	7	sequential	sequential	ADJ
fsr-3146	330	8	learning	learning	NOUN
fsr-3146	330	9	?	?	PUNCT
fsr-3146	331	1	the	the	DET
fsr-3146	331	2	journal	journal	PROPN
fsr-3146	331	3	of	of	ADP
fsr-3146	331	4	finance	finance	NOUN
fsr-3146	331	5	,	,	PUNCT
fsr-3146	331	6	57	57	NUM
fsr-3146	331	7	,	,	PUNCT
fsr-3146	331	8	1171–1200	1171–1200	NUM
fsr-3146	331	9	.	.	PUNCT
fsr-3146	331	10	markowitz	markowitz	PROPN
fsr-3146	331	11	,	,	PUNCT
fsr-3146	331	12	h.	h.	PROPN
fsr-3146	331	13	(	(	PUNCT
fsr-3146	331	14	1952	1952	NUM
fsr-3146	331	15	)	)	PUNCT
fsr-3146	331	16	.	.	PUNCT
fsr-3146	332	1	portfolio	portfolio	NOUN
fsr-3146	332	2	selection	selection	NOUN
fsr-3146	332	3	.	.	PUNCT
fsr-3146	333	1	journal	journal	PROPN
fsr-3146	333	2	of	of	ADP
fsr-3146	333	3	finance	finance	NOUN
fsr-3146	333	4	,	,	PUNCT
fsr-3146	333	5	7	7	NUM
fsr-3146	333	6	,	,	PUNCT
fsr-3146	333	7	77–91	77–91	NUM
fsr-3146	333	8	.	.	PUNCT
fsr-3146	334	1	mehra	mehra	PROPN
fsr-3146	334	2	,	,	PUNCT
fsr-3146	334	3	r.	r.	PROPN
fsr-3146	334	4	(	(	PUNCT
fsr-3146	334	5	2003	2003	NUM
fsr-3146	334	6	)	)	PUNCT
fsr-3146	334	7	.	.	PUNCT
fsr-3146	335	1	the	the	DET
fsr-3146	335	2	equity	equity	NOUN
fsr-3146	335	3	premium	premium	NOUN
fsr-3146	335	4	:	:	PUNCT
fsr-3146	335	5	why	why	SCONJ
fsr-3146	335	6	is	be	AUX
fsr-3146	335	7	it	it	PRON
fsr-3146	335	8	a	a	DET
fsr-3146	335	9	puzzle	puzzle	NOUN
fsr-3146	335	10	?	?	PUNCT
fsr-3146	336	1	financial	financial	ADJ
fsr-3146	336	2	analysts	analyst	NOUN
fsr-3146	336	3	journal	journal	NOUN
fsr-3146	336	4	,	,	PUNCT
fsr-3146	336	5	1	1	NUM
fsr-3146	336	6	,	,	PUNCT
fsr-3146	336	7	54–69	54–69	NUM
fsr-3146	336	8	.	.	PUNCT
fsr-3146	336	9	moreschi	moreschi	PROPN
fsr-3146	336	10	,	,	PUNCT
fsr-3146	336	11	r.	r.	PROPN
fsr-3146	336	12	w.	w.	PROPN
fsr-3146	336	13	(	(	PUNCT
fsr-3146	336	14	2011	2011	NUM
fsr-3146	336	15	)	)	PUNCT
fsr-3146	336	16	.	.	PUNCT
fsr-3146	337	1	an	an	DET
fsr-3146	337	2	analysis	analysis	NOUN
fsr-3146	337	3	of	of	ADP
fsr-3146	337	4	the	the	DET
fsr-3146	337	5	ability	ability	NOUN
fsr-3146	337	6	of	of	ADP
fsr-3146	337	7	individuals	individual	NOUN
fsr-3146	337	8	to	to	PART
fsr-3146	337	9	predict	predict	VERB
fsr-3146	337	10	their	their	PRON
fsr-3146	337	11	own	own	ADJ
fsr-3146	337	12	risk	risk	NOUN
fsr-3146	337	13	tolerance	tolerance	NOUN
fsr-3146	337	14	.	.	PUNCT
fsr-3146	338	1	journal	journal	PROPN
fsr-3146	338	2	of	of	ADP
fsr-3146	338	3	business	business	PROPN
fsr-3146	338	4	&	&	CCONJ
fsr-3146	338	5	economics	economics	PROPN
fsr-3146	338	6	research	research	PROPN
fsr-3146	338	7	,	,	PUNCT
fsr-3146	338	8	3	3	NUM
fsr-3146	338	9	,	,	PUNCT
fsr-3146	338	10	39–48	39–48	NUM
fsr-3146	338	11	.	.	PUNCT
fsr-3146	339	1	pennings	penning	NOUN
fsr-3146	339	2	,	,	PUNCT
fsr-3146	339	3	j.	j.	PROPN
fsr-3146	339	4	m.	m.	PROPN
fsr-3146	339	5	,	,	PUNCT
fsr-3146	339	6	&	&	CCONJ
fsr-3146	339	7	smidts	smidts	PROPN
fsr-3146	339	8	,	,	PUNCT
fsr-3146	339	9	a.	a.	NOUN
fsr-3146	339	10	(	(	PUNCT
fsr-3146	339	11	2003	2003	NUM
fsr-3146	339	12	)	)	PUNCT
fsr-3146	339	13	.	.	PUNCT
fsr-3146	340	1	the	the	DET
fsr-3146	340	2	shape	shape	NOUN
fsr-3146	340	3	of	of	ADP
fsr-3146	340	4	utility	utility	NOUN
fsr-3146	340	5	functions	function	NOUN
fsr-3146	340	6	and	and	CCONJ
fsr-3146	340	7	organizational	organizational	ADJ
fsr-3146	340	8	behavior	behavior	NOUN
fsr-3146	340	9	.	.	PUNCT
fsr-3146	341	1	management	management	NOUN
fsr-3146	341	2	science	science	NOUN
fsr-3146	341	3	,	,	PUNCT
fsr-3146	341	4	49	49	NUM
fsr-3146	341	5	,	,	PUNCT
fsr-3146	341	6	1251–1263	1251–1263	NUM
fsr-3146	341	7	.	.	PUNCT
fsr-3146	342	1	poterba	poterba	NOUN
fsr-3146	342	2	,	,	PUNCT
fsr-3146	342	3	j.	j.	PROPN
fsr-3146	342	4	m.	m.	PROPN
fsr-3146	342	5	,	,	PUNCT
fsr-3146	342	6	&	&	CCONJ
fsr-3146	342	7	summers	summers	PROPN
fsr-3146	342	8	,	,	PUNCT
fsr-3146	342	9	l.h	l.h	PROPN
fsr-3146	342	10	.	.	PROPN
fsr-3146	342	11	(	(	PUNCT
fsr-3146	342	12	1988	1988	NUM
fsr-3146	342	13	)	)	PUNCT
fsr-3146	342	14	.	.	PUNCT
fsr-3146	343	1	mean	mean	VERB
fsr-3146	343	2	aversion	aversion	NOUN
fsr-3146	343	3	in	in	ADP
fsr-3146	343	4	stock	stock	NOUN
fsr-3146	343	5	prices	price	NOUN
fsr-3146	343	6	:	:	PUNCT
fsr-3146	343	7	evidence	evidence	NOUN
fsr-3146	343	8	and	and	CCONJ
fsr-3146	343	9	implications	implication	NOUN
fsr-3146	343	10	.	.	PUNCT
fsr-3146	344	1	journal	journal	NOUN
fsr-3146	344	2	of	of	ADP
fsr-3146	344	3	financial	financial	ADJ
fsr-3146	344	4	economics	economic	NOUN
fsr-3146	344	5	,	,	PUNCT
fsr-3146	344	6	22	22	NUM
fsr-3146	344	7	,	,	PUNCT
fsr-3146	344	8	27–59	27–59	NUM
fsr-3146	344	9	.	.	PUNCT
fsr-3146	345	1	rabin	rabin	PROPN
fsr-3146	345	2	,	,	PUNCT
fsr-3146	345	3	m.	m.	NOUN
fsr-3146	345	4	(	(	PUNCT
fsr-3146	345	5	2000	2000	NUM
fsr-3146	345	6	)	)	PUNCT
fsr-3146	345	7	.	.	PUNCT
fsr-3146	346	1	risk	risk	NOUN
fsr-3146	346	2	aversion	aversion	NOUN
fsr-3146	346	3	and	and	CCONJ
fsr-3146	346	4	expected	expect	VERB
fsr-3146	346	5	-	-	PUNCT
fsr-3146	346	6	utility	utility	NOUN
fsr-3146	346	7	theory	theory	NOUN
fsr-3146	346	8	:	:	PUNCT
fsr-3146	346	9	a	a	DET
fsr-3146	346	10	calibration	calibration	NOUN
fsr-3146	346	11	theorem	theorem	VERB
fsr-3146	346	12	.	.	PUNCT
fsr-3146	347	1	econometrica	econometrica	PROPN
fsr-3146	347	2	,	,	PUNCT
fsr-3146	347	3	68	68	NUM
fsr-3146	347	4	,	,	PUNCT
fsr-3146	347	5	1281	1281	NUM
fsr-3146	347	6	–	–	PUNCT
fsr-3146	347	7	1292	1292	NUM
fsr-3146	347	8	.	.	PUNCT
fsr-3146	348	1	rabin	rabin	PROPN
fsr-3146	348	2	,	,	PUNCT
fsr-3146	348	3	m.	m.	NOUN
fsr-3146	348	4	,	,	PUNCT
fsr-3146	348	5	&	&	CCONJ
fsr-3146	348	6	thaler	thaler	PROPN
fsr-3146	348	7	,	,	PUNCT
fsr-3146	348	8	r.	r.	PROPN
fsr-3146	348	9	(	(	PUNCT
fsr-3146	348	10	2001	2001	NUM
fsr-3146	348	11	)	)	PUNCT
fsr-3146	348	12	.	.	PUNCT
fsr-3146	349	1	anomalies	anomaly	NOUN
fsr-3146	349	2	:	:	PUNCT
fsr-3146	349	3	risk	risk	NOUN
fsr-3146	349	4	aversion	aversion	NOUN
fsr-3146	349	5	.	.	PUNCT
fsr-3146	350	1	journal	journal	NOUN
fsr-3146	350	2	of	of	ADP
fsr-3146	350	3	economic	economic	ADJ
fsr-3146	350	4	perspectives	perspective	NOUN
fsr-3146	350	5	,	,	PUNCT
fsr-3146	350	6	15	15	NUM
fsr-3146	350	7	,	,	PUNCT
fsr-3146	350	8	219–232	219–232	NUM
fsr-3146	350	9	.	.	PUNCT
fsr-3146	351	1	schmidt	schmidt	PROPN
fsr-3146	351	2	,	,	PUNCT
fsr-3146	351	3	u.	u.	PROPN
fsr-3146	351	4	,	,	PUNCT
fsr-3146	351	5	&	&	CCONJ
fsr-3146	351	6	traub	traub	PROPN
fsr-3146	351	7	,	,	PUNCT
fsr-3146	351	8	s.	s.	PROPN
fsr-3146	351	9	(	(	PUNCT
fsr-3146	351	10	2002	2002	NUM
fsr-3146	351	11	)	)	PUNCT
fsr-3146	351	12	.	.	PUNCT
fsr-3146	352	1	an	an	DET
fsr-3146	352	2	experimental	experimental	ADJ
fsr-3146	352	3	test	test	NOUN
fsr-3146	352	4	of	of	ADP
fsr-3146	352	5	loss	loss	NOUN
fsr-3146	352	6	aversion	aversion	NOUN
fsr-3146	352	7	.	.	PUNCT
fsr-3146	353	1	journal	journal	NOUN
fsr-3146	353	2	of	of	ADP
fsr-3146	353	3	risk	risk	NOUN
fsr-3146	353	4	and	and	CCONJ
fsr-3146	353	5	uncertainty	uncertainty	NOUN
fsr-3146	353	6	,	,	PUNCT
fsr-3146	353	7	25	25	NUM
fsr-3146	353	8	,	,	PUNCT
fsr-3146	353	9	233–249	233–249	NUM
fsr-3146	353	10	.	.	PUNCT
fsr-3146	354	1	shunway	shunway	NOUN
fsr-3146	354	2	,	,	PUNCT
fsr-3146	354	3	t.	t.	PROPN
fsr-3146	354	4	(	(	PUNCT
fsr-3146	354	5	1997	1997	NUM
fsr-3146	354	6	)	)	PUNCT
fsr-3146	354	7	.	.	PUNCT
fsr-3146	355	1	explaining	explain	VERB
fsr-3146	355	2	returns	return	NOUN
fsr-3146	355	3	with	with	ADP
fsr-3146	355	4	loss	loss	NOUN
fsr-3146	355	5	aversion	aversion	NOUN
fsr-3146	355	6	.	.	PUNCT
fsr-3146	356	1	available	available	ADJ
fsr-3146	356	2	at	at	ADP
fsr-3146	356	3	ssrn	ssrn	PROPN
fsr-3146	356	4	:	:	PUNCT
fsr-3146	357	1	http://ssm.com/abstract�58442	http://ssm.com/abstract�58442	ADJ
fsr-3146	357	2	.	.	PUNCT
fsr-3146	358	1	thaler	thaler	PROPN
fsr-3146	358	2	,	,	PUNCT
fsr-3146	358	3	r.	r.	PROPN
fsr-3146	358	4	h.	h.	PROPN
fsr-3146	358	5	,	,	PUNCT
fsr-3146	358	6	&	&	CCONJ
fsr-3146	358	7	johnson	johnson	PROPN
fsr-3146	358	8	,	,	PUNCT
fsr-3146	358	9	e.	e.	PROPN
fsr-3146	358	10	j.	j.	PROPN
fsr-3146	358	11	(	(	PUNCT
fsr-3146	358	12	1990	1990	NUM
fsr-3146	358	13	)	)	PUNCT
fsr-3146	358	14	.	.	PUNCT
fsr-3146	359	1	gambling	gamble	VERB
fsr-3146	359	2	with	with	ADP
fsr-3146	359	3	the	the	DET
fsr-3146	359	4	house	house	NOUN
fsr-3146	359	5	money	money	NOUN
fsr-3146	359	6	and	and	CCONJ
fsr-3146	359	7	trying	try	VERB
fsr-3146	359	8	to	to	PART
fsr-3146	359	9	break	break	VERB
fsr-3146	359	10	even	even	ADV
fsr-3146	359	11	:	:	PUNCT
fsr-3146	359	12	the	the	DET
fsr-3146	359	13	effects	effect	NOUN
fsr-3146	359	14	of	of	ADP
fsr-3146	359	15	prior	prior	ADJ
fsr-3146	359	16	outcomes	outcome	NOUN
fsr-3146	359	17	on	on	ADP
fsr-3146	359	18	risky	risky	ADJ
fsr-3146	359	19	choice	choice	NOUN
fsr-3146	359	20	.	.	PUNCT
fsr-3146	360	1	management	management	NOUN
fsr-3146	360	2	science	science	NOUN
fsr-3146	360	3	,	,	PUNCT
fsr-3146	360	4	36	36	NUM
fsr-3146	360	5	,	,	PUNCT
fsr-3146	360	6	643–660	643–660	NUM
fsr-3146	360	7	.	.	PUNCT
fsr-3146	361	1	thaler	thaler	PROPN
fsr-3146	361	2	,	,	PUNCT
fsr-3146	361	3	r.	r.	PROPN
fsr-3146	361	4	h.	h.	PROPN
fsr-3146	361	5	,	,	PUNCT
fsr-3146	361	6	tversky	tversky	PROPN
fsr-3146	361	7	,	,	PUNCT
fsr-3146	361	8	a.	a.	NOUN
fsr-3146	361	9	,	,	PUNCT
fsr-3146	361	10	kahneman	kahneman	PROPN
fsr-3146	361	11	,	,	PUNCT
fsr-3146	361	12	d.	d.	PROPN
fsr-3146	361	13	,	,	PUNCT
fsr-3146	361	14	&	&	CCONJ
fsr-3146	361	15	schwartz	schwartz	PROPN
fsr-3146	361	16	,	,	PUNCT
fsr-3146	361	17	a.	a.	NOUN
fsr-3146	361	18	(	(	PUNCT
fsr-3146	361	19	1997	1997	NUM
fsr-3146	361	20	)	)	PUNCT
fsr-3146	361	21	.	.	PUNCT
fsr-3146	362	1	the	the	DET
fsr-3146	362	2	effect	effect	NOUN
fsr-3146	362	3	of	of	ADP
fsr-3146	362	4	myopia	myopia	NOUN
fsr-3146	362	5	and	and	CCONJ
fsr-3146	362	6	loss	loss	NOUN
fsr-3146	362	7	aversion	aversion	NOUN
fsr-3146	362	8	on	on	ADP
fsr-3146	362	9	risk	risk	NOUN
fsr-3146	362	10	taking	taking	NOUN
fsr-3146	362	11	:	:	PUNCT
fsr-3146	362	12	an	an	DET
fsr-3146	362	13	experimental	experimental	ADJ
fsr-3146	362	14	test	test	NOUN
fsr-3146	362	15	.	.	PUNCT
fsr-3146	363	1	the	the	DET
fsr-3146	363	2	quarterly	quarterly	ADJ
fsr-3146	363	3	journal	journal	NOUN
fsr-3146	363	4	of	of	ADP
fsr-3146	363	5	economics	economic	NOUN
fsr-3146	363	6	,	,	PUNCT
fsr-3146	363	7	112	112	NUM
fsr-3146	363	8	,	,	PUNCT
fsr-3146	363	9	647–661	647–661	NUM
fsr-3146	363	10	.	.	PUNCT
fsr-3146	364	1	tversky	tversky	PROPN
fsr-3146	364	2	,	,	PUNCT
fsr-3146	364	3	a.	a.	PROPN
fsr-3146	364	4	,	,	PUNCT
fsr-3146	364	5	&	&	CCONJ
fsr-3146	364	6	kahneman	kahneman	PROPN
fsr-3146	364	7	,	,	PUNCT
fsr-3146	364	8	d.	d.	PROPN
fsr-3146	364	9	(	(	PUNCT
fsr-3146	364	10	1992	1992	NUM
fsr-3146	364	11	)	)	PUNCT
fsr-3146	364	12	.	.	PUNCT
fsr-3146	365	1	advances	advance	NOUN
fsr-3146	365	2	in	in	ADP
fsr-3146	365	3	prospect	prospect	NOUN
fsr-3146	365	4	-	-	PUNCT
fsr-3146	365	5	theory	theory	NOUN
fsr-3146	365	6	–	–	PUNCT
fsr-3146	365	7	cumulative	cumulative	ADJ
fsr-3146	365	8	representation	representation	NOUN
fsr-3146	365	9	of	of	ADP
fsr-3146	365	10	uncertainty	uncertainty	NOUN
fsr-3146	365	11	.	.	PUNCT
fsr-3146	366	1	journal	journal	NOUN
fsr-3146	366	2	of	of	ADP
fsr-3146	366	3	risk	risk	NOUN
fsr-3146	366	4	and	and	CCONJ
fsr-3146	366	5	uncertainty	uncertainty	NOUN
fsr-3146	366	6	,	,	PUNCT
fsr-3146	366	7	5	5	NUM
fsr-3146	366	8	,	,	PUNCT
fsr-3146	366	9	297–323	297–323	NUM
fsr-3146	366	10	.	.	PUNCT
fsr-3146	367	1	van	van	PROPN
fsr-3146	367	2	de	de	PROPN
fsr-3146	367	3	venter	venter	PROPN
fsr-3146	367	4	,	,	PUNCT
fsr-3146	367	5	g.	g.	PROPN
fsr-3146	367	6	,	,	PUNCT
fsr-3146	367	7	michayluk	michayluk	PROPN
fsr-3146	367	8	,	,	PUNCT
fsr-3146	367	9	d.	d.	PROPN
fsr-3146	367	10	,	,	PUNCT
fsr-3146	367	11	&	&	CCONJ
fsr-3146	367	12	davey	davey	NOUN
fsr-3146	367	13	,	,	PUNCT
fsr-3146	367	14	g.	g.	PROPN
fsr-3146	367	15	(	(	PUNCT
fsr-3146	367	16	2012	2012	NUM
fsr-3146	367	17	)	)	PUNCT
fsr-3146	367	18	.	.	PUNCT
fsr-3146	368	1	a	a	DET
fsr-3146	368	2	longitudinal	longitudinal	ADJ
fsr-3146	368	3	study	study	NOUN
fsr-3146	368	4	of	of	ADP
fsr-3146	368	5	financial	financial	ADJ
fsr-3146	368	6	risk	risk	NOUN
fsr-3146	368	7	tolerance	tolerance	NOUN
fsr-3146	368	8	.	.	PUNCT
fsr-3146	369	1	journal	journal	NOUN
fsr-3146	369	2	of	of	ADP
fsr-3146	369	3	economic	economic	ADJ
fsr-3146	369	4	psychology	psychology	NOUN
fsr-3146	369	5	,	,	PUNCT
fsr-3146	369	6	33	33	NUM
fsr-3146	369	7	,	,	PUNCT
fsr-3146	369	8	794–800	794–800	NUM
fsr-3146	369	9	.	.	PUNCT
fsr-3146	370	1	weil	weil	PROPN
fsr-3146	370	2	,	,	PUNCT
fsr-3146	370	3	p.	p.	NOUN
fsr-3146	370	4	(	(	PUNCT
fsr-3146	370	5	1989	1989	NUM
fsr-3146	370	6	)	)	PUNCT
fsr-3146	370	7	.	.	PUNCT
fsr-3146	371	1	the	the	DET
fsr-3146	371	2	equity	equity	NOUN
fsr-3146	371	3	premium	premium	NOUN
fsr-3146	371	4	puzzle	puzzle	NOUN
fsr-3146	371	5	and	and	CCONJ
fsr-3146	371	6	the	the	DET
fsr-3146	371	7	risk	risk	NOUN
fsr-3146	371	8	-	-	PUNCT
fsr-3146	371	9	free	free	ADJ
fsr-3146	371	10	rate	rate	NOUN
fsr-3146	371	11	puzzle	puzzle	NOUN
fsr-3146	371	12	.	.	PUNCT
fsr-3146	372	1	journal	journal	NOUN
fsr-3146	372	2	of	of	ADP
fsr-3146	372	3	monetary	monetary	ADJ
fsr-3146	372	4	economics	economic	NOUN
fsr-3146	372	5	,	,	PUNCT
fsr-3146	372	6	24	24	NUM
fsr-3146	372	7	,	,	PUNCT
fsr-3146	372	8	401–421	401–421	NUM
fsr-3146	372	9	.	.	PUNCT
fsr-3146	373	1	winchester	winchester	PROPN
fsr-3146	373	2	,	,	PUNCT
fsr-3146	373	3	d.	d.	PROPN
fsr-3146	373	4	d.	d.	PROPN
fsr-3146	373	5	,	,	PUNCT
fsr-3146	373	6	huston	huston	PROPN
fsr-3146	373	7	,	,	PUNCT
fsr-3146	373	8	s.	s.	PROPN
fsr-3146	373	9	j.	j.	PROPN
fsr-3146	373	10	,	,	PUNCT
fsr-3146	373	11	&	&	CCONJ
fsr-3146	373	12	finke	finke	PROPN
fsr-3146	373	13	,	,	PUNCT
fsr-3146	373	14	m.	m.	NOUN
fsr-3146	373	15	s.	s.	PROPN
fsr-3146	373	16	(	(	PUNCT
fsr-3146	373	17	2011	2011	NUM
fsr-3146	373	18	)	)	PUNCT
fsr-3146	373	19	.	.	PUNCT
fsr-3146	374	1	investor	investor	NOUN
fsr-3146	374	2	prudence	prudence	NOUN
fsr-3146	374	3	and	and	CCONJ
fsr-3146	374	4	the	the	DET
fsr-3146	374	5	role	role	NOUN
fsr-3146	374	6	of	of	ADP
fsr-3146	374	7	financial	financial	ADJ
fsr-3146	374	8	advice	advice	NOUN
fsr-3146	374	9	.	.	PUNCT
fsr-3146	375	1	journal	journal	NOUN
fsr-3146	375	2	of	of	ADP
fsr-3146	375	3	financial	financial	ADJ
fsr-3146	375	4	service	service	NOUN
fsr-3146	375	5	professionals	professional	NOUN
fsr-3146	375	6	,	,	PUNCT
fsr-3146	375	7	65	65	NUM
fsr-3146	375	8	,	,	PUNCT
fsr-3146	375	9	43–51	43–51	NUM
fsr-3146	375	10	.	.	NOUN
fsr-3146	375	11	218	218	NUM
fsr-3146	375	12	m.	m.	NOUN
fsr-3146	375	13	guillemette	guillemette	NOUN
fsr-3146	375	14	,	,	PUNCT
fsr-3146	375	15	d.	d.	PROPN
fsr-3146	375	16	nanigian	nanigian	PROPN
fsr-3146	375	17	/	/	SYM
fsr-3146	375	18	financial	financial	ADJ
fsr-3146	375	19	services	service	NOUN
fsr-3146	375	20	review	review	VERB
fsr-3146	375	21	23	23	NUM
fsr-3146	375	22	(	(	PUNCT
fsr-3146	375	23	2014	2014	NUM
fsr-3146	375	24	)	)	PUNCT
fsr-3146	376	1	207–218	207–218	NUM