id	sid	tid	token	lemma	pos
fsr-3162	1	1	financial	financial	ADJ
fsr-3162	1	2	teaching	teaching	NOUN
fsr-3162	1	3	by	by	ADP
fsr-3162	1	4	parents	parent	NOUN
fsr-3162	1	5	and	and	CCONJ
fsr-3162	1	6	financial	financial	ADJ
fsr-3162	1	7	education	education	NOUN
fsr-3162	1	8	at	at	ADP
fsr-3162	1	9	school	school	NOUN
fsr-3162	1	10	or	or	CCONJ
fsr-3162	1	11	workplace	workplace	NOUN
fsr-3162	1	12	:	:	PUNCT
fsr-3162	1	13	evidence	evidence	NOUN
fsr-3162	1	14	from	from	ADP
fsr-3162	1	15	japan	japan	PROPN
fsr-3162	1	16	tsung	tsung	PROPN
fsr-3162	1	17	-	-	PUNCT
fsr-3162	1	18	ming	ming	NOUN
fsr-3162	1	19	yeha	yeha	NOUN
fsr-3162	1	20	,	,	PUNCT
fsr-3162	1	21	*	*	PUNCT
fsr-3162	1	22	afaculty	afaculty	NOUN
fsr-3162	1	23	of	of	ADP
fsr-3162	1	24	economics	economic	NOUN
fsr-3162	1	25	,	,	PUNCT
fsr-3162	1	26	kyushu	kyushu	PROPN
fsr-3162	1	27	university	university	PROPN
fsr-3162	1	28	,	,	PUNCT
fsr-3162	1	29	744	744	NUM
fsr-3162	1	30	motooka	motooka	NOUN
fsr-3162	1	31	nishi	nishi	PROPN
fsr-3162	1	32	-	-	PUNCT
fsr-3162	1	33	ku	ku	PROPN
fsr-3162	1	34	,	,	PUNCT
fsr-3162	1	35	fukuoka	fukuoka	VERB
fsr-3162	1	36	819	819	NUM
fsr-3162	1	37	-	-	SYM
fsr-3162	1	38	0395	0395	NUM
fsr-3162	1	39	,	,	PUNCT
fsr-3162	1	40	japan	japan	PROPN
fsr-3162	1	41	abstract	abstract	ADV
fsr-3162	1	42	this	this	DET
fsr-3162	1	43	study	study	NOUN
fsr-3162	1	44	investigates	investigate	VERB
fsr-3162	1	45	the	the	DET
fsr-3162	1	46	differential	differential	ADJ
fsr-3162	1	47	roles	role	NOUN
fsr-3162	1	48	of	of	ADP
fsr-3162	1	49	financial	financial	ADJ
fsr-3162	1	50	socialization	socialization	NOUN
fsr-3162	1	51	within	within	ADP
fsr-3162	1	52	the	the	DET
fsr-3162	1	53	family	family	NOUN
fsr-3162	1	54	versus	versus	ADP
fsr-3162	1	55	financial	financial	ADJ
fsr-3162	1	56	education	education	NOUN
fsr-3162	1	57	at	at	ADP
fsr-3162	1	58	school	school	NOUN
fsr-3162	1	59	or	or	CCONJ
fsr-3162	1	60	the	the	DET
fsr-3162	1	61	workplace	workplace	NOUN
fsr-3162	1	62	,	,	PUNCT
fsr-3162	1	63	using	use	VERB
fsr-3162	1	64	data	datum	NOUN
fsr-3162	1	65	from	from	ADP
fsr-3162	1	66	a	a	DET
fsr-3162	1	67	representative	representative	ADJ
fsr-3162	1	68	sample	sample	NOUN
fsr-3162	1	69	of	of	ADP
fsr-3162	1	70	25,000	25,000	NUM
fsr-3162	1	71	japanese	japanese	ADJ
fsr-3162	1	72	individuals	individual	NOUN
fsr-3162	1	73	.	.	PUNCT
fsr-3162	2	1	the	the	DET
fsr-3162	2	2	results	result	NOUN
fsr-3162	2	3	indicate	indicate	VERB
fsr-3162	2	4	that	that	SCONJ
fsr-3162	2	5	different	different	ADJ
fsr-3162	2	6	platforms	platform	NOUN
fsr-3162	2	7	may	may	AUX
fsr-3162	2	8	play	play	VERB
fsr-3162	2	9	different	different	ADJ
fsr-3162	2	10	roles	role	NOUN
fsr-3162	2	11	.	.	PUNCT
fsr-3162	3	1	while	while	SCONJ
fsr-3162	3	2	the	the	DET
fsr-3162	3	3	adults	adult	NOUN
fsr-3162	3	4	’	'	PUNCT
fsr-3162	3	5	short	short	ADJ
fsr-3162	3	6	-	-	PUNCT
fsr-3162	3	7	term	term	NOUN
fsr-3162	3	8	financial	financial	ADJ
fsr-3162	3	9	behaviors	behavior	NOUN
fsr-3162	3	10	,	,	PUNCT
fsr-3162	3	11	which	which	PRON
fsr-3162	3	12	involve	involve	VERB
fsr-3162	3	13	regular	regular	ADJ
fsr-3162	3	14	feedback	feedback	NOUN
fsr-3162	3	15	and	and	CCONJ
fsr-3162	3	16	immediate	immediate	ADJ
fsr-3162	3	17	consequences	consequence	NOUN
fsr-3162	3	18	for	for	ADP
fsr-3162	3	19	deviation	deviation	NOUN
fsr-3162	3	20	,	,	PUNCT
fsr-3162	3	21	are	be	AUX
fsr-3162	3	22	primarily	primarily	ADV
fsr-3162	3	23	related	relate	VERB
fsr-3162	3	24	to	to	ADP
fsr-3162	3	25	their	their	PRON
fsr-3162	3	26	parent	parent	NOUN
fsr-3162	3	27	’s	’s	PART
fsr-3162	3	28	financial	financial	ADJ
fsr-3162	3	29	advising	advising	NOUN
fsr-3162	3	30	in	in	ADP
fsr-3162	3	31	childhood	childhood	NOUN
fsr-3162	3	32	,	,	PUNCT
fsr-3162	3	33	long	long	ADJ
fsr-3162	3	34	-	-	PUNCT
fsr-3162	3	35	term	term	NOUN
fsr-3162	3	36	financial	financial	ADJ
fsr-3162	3	37	behaviors	behavior	NOUN
fsr-3162	3	38	,	,	PUNCT
fsr-3162	3	39	which	which	PRON
fsr-3162	3	40	require	require	VERB
fsr-3162	3	41	complex	complex	ADJ
fsr-3162	3	42	planning	planning	NOUN
fsr-3162	3	43	and	and	CCONJ
fsr-3162	3	44	decision	decision	NOUN
fsr-3162	3	45	-	-	PUNCT
fsr-3162	3	46	making	making	NOUN
fsr-3162	3	47	,	,	PUNCT
fsr-3162	3	48	are	be	AUX
fsr-3162	3	49	primarily	primarily	ADV
fsr-3162	3	50	related	relate	VERB
fsr-3162	3	51	to	to	ADP
fsr-3162	3	52	financial	financial	ADJ
fsr-3162	3	53	education	education	NOUN
fsr-3162	3	54	received	receive	VERB
fsr-3162	3	55	at	at	ADP
fsr-3162	3	56	school	school	NOUN
fsr-3162	3	57	or	or	CCONJ
fsr-3162	3	58	the	the	DET
fsr-3162	3	59	workplace	workplace	NOUN
fsr-3162	3	60	.	.	PUNCT
fsr-3162	4	1	the	the	DET
fsr-3162	4	2	results	result	NOUN
fsr-3162	4	3	also	also	ADV
fsr-3162	4	4	suggest	suggest	VERB
fsr-3162	4	5	the	the	DET
fsr-3162	4	6	benefits	benefit	NOUN
fsr-3162	4	7	of	of	ADP
fsr-3162	4	8	accumulating	accumulate	VERB
fsr-3162	4	9	financial	financial	ADJ
fsr-3162	4	10	experiences	experience	NOUN
fsr-3162	4	11	and	and	CCONJ
fsr-3162	4	12	education	education	NOUN
fsr-3162	4	13	in	in	ADP
fsr-3162	4	14	different	different	ADJ
fsr-3162	4	15	stages	stage	NOUN
fsr-3162	4	16	.	.	PUNCT
fsr-3162	5	1	©	©	ADP
fsr-3162	5	2	2022	2022	NUM
fsr-3162	5	3	academy	academy	NOUN
fsr-3162	5	4	of	of	ADP
fsr-3162	5	5	financial	financial	ADJ
fsr-3162	5	6	services	service	NOUN
fsr-3162	5	7	.	.	PUNCT
fsr-3162	6	1	all	all	DET
fsr-3162	6	2	rights	right	NOUN
fsr-3162	6	3	reserved	reserve	VERB
fsr-3162	6	4	.	.	PUNCT
fsr-3162	7	1	jel	jel	PROPN
fsr-3162	7	2	classifications	classification	NOUN
fsr-3162	7	3	:	:	PUNCT
fsr-3162	7	4	g51	g51	ADJ
fsr-3162	7	5	;	;	PUNCT
fsr-3162	7	6	g53	g53	X
fsr-3162	7	7	;	;	PUNCT
fsr-3162	7	8	p36	p36	NOUN
fsr-3162	7	9	;	;	PUNCT
fsr-3162	7	10	p46	p46	ADJ
fsr-3162	7	11	keywords	keyword	NOUN
fsr-3162	7	12	:	:	PUNCT
fsr-3162	7	13	financial	financial	ADJ
fsr-3162	7	14	literacy	literacy	NOUN
fsr-3162	7	15	;	;	PUNCT
fsr-3162	7	16	financial	financial	ADJ
fsr-3162	7	17	education	education	NOUN
fsr-3162	7	18	;	;	PUNCT
fsr-3162	7	19	financial	financial	ADJ
fsr-3162	7	20	behavior	behavior	NOUN
fsr-3162	7	21	1	1	NUM
fsr-3162	7	22	.	.	PUNCT
fsr-3162	7	23	introduction	introduction	NOUN
fsr-3162	7	24	the	the	DET
fsr-3162	7	25	literature	literature	NOUN
fsr-3162	7	26	has	have	AUX
fsr-3162	7	27	,	,	PUNCT
fsr-3162	7	28	in	in	ADP
fsr-3162	7	29	general	general	ADJ
fsr-3162	7	30	,	,	PUNCT
fsr-3162	7	31	revealed	reveal	VERB
fsr-3162	7	32	an	an	DET
fsr-3162	7	33	insufficient	insufficient	ADJ
fsr-3162	7	34	level	level	NOUN
fsr-3162	7	35	or	or	CCONJ
fsr-3162	7	36	amount	amount	NOUN
fsr-3162	7	37	of	of	ADP
fsr-3162	7	38	financial	financial	ADJ
fsr-3162	7	39	literacy	literacy	NOUN
fsr-3162	7	40	around	around	ADP
fsr-3162	7	41	the	the	DET
fsr-3162	7	42	world	world	NOUN
fsr-3162	7	43	.	.	PUNCT
fsr-3162	8	1	for	for	ADP
fsr-3162	8	2	instance	instance	NOUN
fsr-3162	8	3	,	,	PUNCT
fsr-3162	8	4	atkinson	atkinson	PROPN
fsr-3162	8	5	and	and	CCONJ
fsr-3162	8	6	messy	messy	ADJ
fsr-3162	8	7	(	(	PUNCT
fsr-3162	8	8	2011	2011	NUM
fsr-3162	8	9	)	)	PUNCT
fsr-3162	8	10	reported	report	VERB
fsr-3162	8	11	that	that	SCONJ
fsr-3162	8	12	few	few	ADJ
fsr-3162	8	13	people	people	NOUN
fsr-3162	8	14	across	across	ADP
fsr-3162	8	15	countries	country	NOUN
fsr-3162	8	16	could	could	AUX
fsr-3162	8	17	correctly	correctly	ADV
fsr-3162	8	18	answer	answer	VERB
fsr-3162	8	19	basic	basic	ADJ
fsr-3162	8	20	financial	financial	ADJ
fsr-3162	8	21	literacy	literacy	NOUN
fsr-3162	8	22	questions	question	NOUN
fsr-3162	8	23	across	across	ADP
fsr-3162	8	24	14	14	NUM
fsr-3162	8	25	countries	country	NOUN
fsr-3162	8	26	,	,	PUNCT
fsr-3162	8	27	and	and	CCONJ
fsr-3162	8	28	lusardi	lusardi	PROPN
fsr-3162	8	29	and	and	CCONJ
fsr-3162	8	30	mitchell	mitchell	PROPN
fsr-3162	8	31	(	(	PUNCT
fsr-3162	8	32	2014	2014	NUM
fsr-3162	8	33	)	)	PUNCT
fsr-3162	8	34	compiled	compile	VERB
fsr-3162	8	35	a	a	DET
fsr-3162	8	36	similar	similar	ADJ
fsr-3162	8	37	pattern	pattern	NOUN
fsr-3162	8	38	in	in	ADP
fsr-3162	8	39	12	12	NUM
fsr-3162	8	40	countries	country	NOUN
fsr-3162	8	41	.	.	PUNCT
fsr-3162	9	1	questions	question	NOUN
fsr-3162	9	2	arise	arise	VERB
fsr-3162	9	3	as	as	ADP
fsr-3162	9	4	to	to	ADP
fsr-3162	9	5	whether	whether	SCONJ
fsr-3162	9	6	financial	financial	ADJ
fsr-3162	9	7	education	education	NOUN
fsr-3162	9	8	programs	program	NOUN
fsr-3162	9	9	can	can	AUX
fsr-3162	9	10	effectively	effectively	ADV
fsr-3162	9	11	improve	improve	VERB
fsr-3162	9	12	financial	financial	ADJ
fsr-3162	9	13	literacy	literacy	NOUN
fsr-3162	9	14	and	and	CCONJ
fsr-3162	9	15	skills	skill	NOUN
fsr-3162	9	16	that	that	PRON
fsr-3162	9	17	are	be	AUX
fsr-3162	9	18	instrumental	instrumental	ADJ
fsr-3162	9	19	in	in	ADP
fsr-3162	9	20	one	one	NUM
fsr-3162	9	21	’s	’s	PART
fsr-3162	9	22	personal	personal	ADJ
fsr-3162	9	23	finances	finance	NOUN
fsr-3162	9	24	.	.	PUNCT
fsr-3162	10	1	empirical	empirical	ADJ
fsr-3162	10	2	studies	study	NOUN
fsr-3162	10	3	emerged	emerge	VERB
fsr-3162	10	4	,	,	PUNCT
fsr-3162	10	5	using	use	VERB
fsr-3162	10	6	different	different	ADJ
fsr-3162	10	7	*	*	PUNCT
fsr-3162	10	8	corresponding	correspond	VERB
fsr-3162	10	9	author	author	NOUN
fsr-3162	10	10	:	:	PUNCT
fsr-3162	11	1	tel	tel	PROPN
fsr-3162	11	2	.	.	PUNCT
fsr-3162	11	3	:	:	PUNCT
fsr-3162	12	1	+81	+81	PROPN
fsr-3162	12	2	-	-	PUNCT
fsr-3162	12	3	928025457	928025457	NUM
fsr-3162	12	4	,	,	PUNCT
fsr-3162	12	5	fax	fax	NOUN
fsr-3162	12	6	:	:	PUNCT
fsr-3162	12	7	+81	+81	PROPN
fsr-3162	12	8	-	-	PUNCT
fsr-3162	12	9	928025457	928025457	NUM
fsr-3162	12	10	.	.	PUNCT
fsr-3162	13	1	e	e	X
fsr-3162	13	2	-	-	NOUN
fsr-3162	13	3	mail	mail	NOUN
fsr-3162	13	4	address	address	NOUN
fsr-3162	13	5	:	:	PUNCT
fsr-3162	13	6	yeh@econ.kyushu-u.ac.jp	yeh@econ.kyushu-u.ac.jp	ADJ
fsr-3162	13	7	1057	1057	NUM
fsr-3162	13	8	-	-	SYM
fsr-3162	13	9	0810/22/$	0810/22/$	NUM
fsr-3162	13	10	–	–	PUNCT
fsr-3162	13	11	see	see	VERB
fsr-3162	13	12	front	front	ADJ
fsr-3162	13	13	matter	matter	NOUN
fsr-3162	13	14	©	©	PROPN
fsr-3162	13	15	2022	2022	NUM
fsr-3162	13	16	academy	academy	NOUN
fsr-3162	13	17	of	of	ADP
fsr-3162	13	18	financial	financial	ADJ
fsr-3162	13	19	services	service	NOUN
fsr-3162	13	20	.	.	PUNCT
fsr-3162	14	1	all	all	DET
fsr-3162	14	2	rights	right	NOUN
fsr-3162	14	3	reserved	reserve	VERB
fsr-3162	14	4	.	.	PUNCT
fsr-3162	15	1	financial	financial	ADJ
fsr-3162	15	2	services	service	NOUN
fsr-3162	15	3	review	review	VERB
fsr-3162	15	4	30	30	NUM
fsr-3162	15	5	(	(	PUNCT
fsr-3162	15	6	2022	2022	NUM
fsr-3162	15	7	)	)	PUNCT
fsr-3162	15	8	297–320	297–320	NUM
fsr-3162	15	9	designs	design	NOUN
fsr-3162	15	10	and	and	CCONJ
fsr-3162	15	11	methods	method	NOUN
fsr-3162	15	12	to	to	PART
fsr-3162	15	13	address	address	VERB
fsr-3162	15	14	this	this	DET
fsr-3162	15	15	question	question	NOUN
fsr-3162	15	16	.	.	PUNCT
fsr-3162	16	1	as	as	SCONJ
fsr-3162	16	2	will	will	AUX
fsr-3162	16	3	be	be	AUX
fsr-3162	16	4	elaborated	elaborate	VERB
fsr-3162	16	5	in	in	ADP
fsr-3162	16	6	the	the	DET
fsr-3162	16	7	next	next	ADJ
fsr-3162	16	8	section	section	NOUN
fsr-3162	16	9	,	,	PUNCT
fsr-3162	16	10	more	more	ADV
fsr-3162	16	11	recent	recent	ADJ
fsr-3162	16	12	empirical	empirical	ADJ
fsr-3162	16	13	research	research	NOUN
fsr-3162	16	14	,	,	PUNCT
fsr-3162	16	15	even	even	ADV
fsr-3162	16	16	studies	study	NOUN
fsr-3162	16	17	applying	apply	VERB
fsr-3162	16	18	the	the	DET
fsr-3162	16	19	most	most	ADV
fsr-3162	16	20	rigorous	rigorous	ADJ
fsr-3162	16	21	research	research	NOUN
fsr-3162	16	22	design	design	NOUN
fsr-3162	16	23	,	,	PUNCT
fsr-3162	16	24	randomized	randomize	VERB
fsr-3162	16	25	controlled	control	VERB
fsr-3162	16	26	trials	trial	NOUN
fsr-3162	16	27	(	(	PUNCT
fsr-3162	16	28	rct	rct	PROPN
fsr-3162	16	29	)	)	PUNCT
fsr-3162	16	30	,	,	PUNCT
fsr-3162	16	31	which	which	PRON
fsr-3162	16	32	can	can	AUX
fsr-3162	16	33	better	well	ADV
fsr-3162	16	34	identify	identify	VERB
fsr-3162	16	35	causal	causal	ADJ
fsr-3162	16	36	effects	effect	NOUN
fsr-3162	16	37	(	(	PUNCT
fsr-3162	16	38	e.g.	e.g.	ADV
fsr-3162	16	39	,	,	PUNCT
fsr-3162	16	40	kaiser	kaiser	PROPN
fsr-3162	16	41	&	&	CCONJ
fsr-3162	16	42	menkhoff	menkhoff	PROPN
fsr-3162	16	43	,	,	PUNCT
fsr-3162	16	44	2017	2017	NUM
fsr-3162	16	45	,	,	PUNCT
fsr-3162	16	46	2020	2020	NUM
fsr-3162	16	47	;	;	PUNCT
fsr-3162	16	48	kaiser	kaiser	PROPN
fsr-3162	16	49	et	et	PROPN
fsr-3162	16	50	al	al	PROPN
fsr-3162	16	51	.	.	PROPN
fsr-3162	16	52	,	,	PUNCT
fsr-3162	16	53	2021	2021	NUM
fsr-3162	16	54	)	)	PUNCT
fsr-3162	16	55	,	,	PUNCT
fsr-3162	16	56	has	have	AUX
fsr-3162	16	57	generally	generally	ADV
fsr-3162	16	58	documented	document	VERB
fsr-3162	16	59	evidence	evidence	NOUN
fsr-3162	16	60	of	of	ADP
fsr-3162	16	61	a	a	DET
fsr-3162	16	62	positive	positive	ADJ
fsr-3162	16	63	effect	effect	NOUN
fsr-3162	16	64	of	of	ADP
fsr-3162	16	65	financial	financial	ADJ
fsr-3162	16	66	education	education	NOUN
fsr-3162	16	67	offered	offer	VERB
fsr-3162	16	68	in	in	ADP
fsr-3162	16	69	schools	school	NOUN
fsr-3162	16	70	,	,	PUNCT
fsr-3162	16	71	communities	community	NOUN
fsr-3162	16	72	,	,	PUNCT
fsr-3162	16	73	or	or	CCONJ
fsr-3162	16	74	workplaces	workplace	NOUN
fsr-3162	16	75	.	.	PUNCT
fsr-3162	17	1	one	one	NUM
fsr-3162	17	2	strand	strand	NOUN
fsr-3162	17	3	of	of	ADP
fsr-3162	17	4	the	the	DET
fsr-3162	17	5	research	research	NOUN
fsr-3162	17	6	investigated	investigate	VERB
fsr-3162	17	7	the	the	DET
fsr-3162	17	8	effect	effect	NOUN
fsr-3162	17	9	of	of	ADP
fsr-3162	17	10	state	state	NOUN
fsr-3162	17	11	-	-	PUNCT
fsr-3162	17	12	mandated	mandate	VERB
fsr-3162	17	13	financial	financial	ADJ
fsr-3162	17	14	education	education	NOUN
fsr-3162	17	15	,	,	PUNCT
fsr-3162	17	16	also	also	ADV
fsr-3162	17	17	finding	find	VERB
fsr-3162	17	18	a	a	DET
fsr-3162	17	19	positive	positive	ADJ
fsr-3162	17	20	effect	effect	NOUN
fsr-3162	17	21	.	.	PUNCT
fsr-3162	18	1	for	for	ADP
fsr-3162	18	2	instance	instance	NOUN
fsr-3162	18	3	,	,	PUNCT
fsr-3162	18	4	stoddard	stoddard	NOUN
fsr-3162	18	5	and	and	CCONJ
fsr-3162	18	6	urban	urban	ADJ
fsr-3162	18	7	(	(	PUNCT
fsr-3162	18	8	2020	2020	NUM
fsr-3162	18	9	)	)	PUNCT
fsr-3162	18	10	showed	show	VERB
fsr-3162	18	11	that	that	SCONJ
fsr-3162	18	12	high	high	ADJ
fsr-3162	18	13	school	school	NOUN
fsr-3162	18	14	financial	financial	ADJ
fsr-3162	18	15	education	education	NOUN
fsr-3162	18	16	policies	policy	NOUN
fsr-3162	18	17	reduced	reduce	VERB
fsr-3162	18	18	nonstudent	nonstudent	NOUN
fsr-3162	18	19	debt	debt	NOUN
fsr-3162	18	20	and	and	CCONJ
fsr-3162	18	21	loan	loan	NOUN
fsr-3162	18	22	delinquency	delinquency	NOUN
fsr-3162	18	23	rates	rate	NOUN
fsr-3162	18	24	among	among	ADP
fsr-3162	18	25	19to	19to	ADJ
fsr-3162	18	26	29	29	NUM
fsr-3162	18	27	-	-	PUNCT
fsr-3162	18	28	yearolds	yearold	NOUN
fsr-3162	18	29	.	.	PUNCT
fsr-3162	19	1	in	in	ADP
fsr-3162	19	2	addition	addition	NOUN
fsr-3162	19	3	,	,	PUNCT
fsr-3162	19	4	family	family	NOUN
fsr-3162	19	5	is	be	AUX
fsr-3162	19	6	another	another	DET
fsr-3162	19	7	important	important	ADJ
fsr-3162	19	8	platform	platform	NOUN
fsr-3162	19	9	in	in	ADP
fsr-3162	19	10	which	which	PRON
fsr-3162	19	11	youth	youth	NOUN
fsr-3162	19	12	can	can	AUX
fsr-3162	19	13	acquire	acquire	VERB
fsr-3162	19	14	the	the	DET
fsr-3162	19	15	foundations	foundation	NOUN
fsr-3162	19	16	of	of	ADP
fsr-3162	19	17	financial	financial	ADJ
fsr-3162	19	18	capability	capability	NOUN
fsr-3162	19	19	into	into	ADP
fsr-3162	19	20	their	their	PRON
fsr-3162	19	21	adulthood	adulthood	NOUN
fsr-3162	19	22	(	(	PUNCT
fsr-3162	19	23	consumer	consumer	NOUN
fsr-3162	19	24	financial	financial	PROPN
fsr-3162	19	25	protection	protection	PROPN
fsr-3162	19	26	bureau	bureau	NOUN
fsr-3162	19	27	,	,	PUNCT
fsr-3162	19	28	2016	2016	NUM
fsr-3162	19	29	)	)	PUNCT
fsr-3162	19	30	.	.	PUNCT
fsr-3162	20	1	financial	financial	ADJ
fsr-3162	20	2	socialization	socialization	NOUN
fsr-3162	20	3	theory	theory	NOUN
fsr-3162	20	4	postulates	postulate	VERB
fsr-3162	20	5	that	that	SCONJ
fsr-3162	20	6	youth	youth	NOUN
fsr-3162	20	7	can	can	AUX
fsr-3162	20	8	grasp	grasp	VERB
fsr-3162	20	9	financial	financial	ADJ
fsr-3162	20	10	knowledge	knowledge	NOUN
fsr-3162	20	11	and	and	CCONJ
fsr-3162	20	12	behavioral	behavioral	ADJ
fsr-3162	20	13	values	value	NOUN
fsr-3162	20	14	within	within	ADP
fsr-3162	20	15	the	the	DET
fsr-3162	20	16	family	family	NOUN
fsr-3162	20	17	through	through	ADP
fsr-3162	20	18	interactions	interaction	NOUN
fsr-3162	20	19	with	with	ADP
fsr-3162	20	20	family	family	NOUN
fsr-3162	20	21	members	member	NOUN
fsr-3162	20	22	on	on	ADP
fsr-3162	20	23	monetary	monetary	ADJ
fsr-3162	20	24	issues	issue	NOUN
fsr-3162	20	25	(	(	PUNCT
fsr-3162	20	26	gudmunson	gudmunson	PROPN
fsr-3162	20	27	&	&	CCONJ
fsr-3162	20	28	danes	danes	PROPN
fsr-3162	20	29	,	,	PUNCT
fsr-3162	20	30	2011	2011	NUM
fsr-3162	20	31	;	;	PUNCT
fsr-3162	20	32	hanson	hanson	PROPN
fsr-3162	20	33	&	&	CCONJ
fsr-3162	20	34	olson	olson	PROPN
fsr-3162	20	35	,	,	PUNCT
fsr-3162	20	36	2018	2018	NUM
fsr-3162	20	37	;	;	PUNCT
fsr-3162	20	38	jorgensen	jorgensen	PROPN
fsr-3162	20	39	et	et	PROPN
fsr-3162	20	40	al	al	PROPN
fsr-3162	20	41	.	.	PROPN
fsr-3162	20	42	,	,	PUNCT
fsr-3162	20	43	2019	2019	NUM
fsr-3162	20	44	)	)	PUNCT
fsr-3162	20	45	.	.	PUNCT
fsr-3162	21	1	empirical	empirical	ADJ
fsr-3162	21	2	research	research	NOUN
fsr-3162	21	3	on	on	ADP
fsr-3162	21	4	parental	parental	ADJ
fsr-3162	21	5	financial	financial	ADJ
fsr-3162	21	6	teaching	teaching	NOUN
fsr-3162	21	7	usually	usually	ADV
fsr-3162	21	8	had	have	VERB
fsr-3162	21	9	to	to	PART
fsr-3162	21	10	rely	rely	VERB
fsr-3162	21	11	on	on	ADP
fsr-3162	21	12	data	datum	NOUN
fsr-3162	21	13	acquired	acquire	VERB
fsr-3162	21	14	from	from	ADP
fsr-3162	21	15	survey	survey	NOUN
fsr-3162	21	16	questionnaires	questionnaire	NOUN
fsr-3162	21	17	,	,	PUNCT
fsr-3162	21	18	as	as	SCONJ
fsr-3162	21	19	it	it	PRON
fsr-3162	21	20	can	can	AUX
fsr-3162	21	21	be	be	AUX
fsr-3162	21	22	difficult	difficult	ADJ
fsr-3162	21	23	to	to	PART
fsr-3162	21	24	conduct	conduct	VERB
fsr-3162	21	25	an	an	DET
fsr-3162	21	26	rct	rct	PROPN
fsr-3162	21	27	or	or	CCONJ
fsr-3162	21	28	quasi	quasi	NOUN
fsr-3162	21	29	-	-	NOUN
fsr-3162	21	30	experiments	experiment	NOUN
fsr-3162	21	31	on	on	ADP
fsr-3162	21	32	parental	parental	ADJ
fsr-3162	21	33	teaching	teaching	NOUN
fsr-3162	21	34	within	within	ADP
fsr-3162	21	35	a	a	DET
fsr-3162	21	36	family	family	NOUN
fsr-3162	21	37	.	.	PUNCT
fsr-3162	22	1	while	while	SCONJ
fsr-3162	22	2	subject	subject	ADJ
fsr-3162	22	3	to	to	ADP
fsr-3162	22	4	possible	possible	ADJ
fsr-3162	22	5	endogeneity	endogeneity	NOUN
fsr-3162	22	6	and	and	CCONJ
fsr-3162	22	7	other	other	ADJ
fsr-3162	22	8	methodological	methodological	ADJ
fsr-3162	22	9	issues	issue	NOUN
fsr-3162	22	10	,	,	PUNCT
fsr-3162	22	11	existing	exist	VERB
fsr-3162	22	12	research	research	NOUN
fsr-3162	22	13	based	base	VERB
fsr-3162	22	14	on	on	ADP
fsr-3162	22	15	survey	survey	NOUN
fsr-3162	22	16	data	datum	NOUN
fsr-3162	22	17	has	have	AUX
fsr-3162	22	18	also	also	ADV
fsr-3162	22	19	revealed	reveal	VERB
fsr-3162	22	20	a	a	DET
fsr-3162	22	21	positive	positive	ADJ
fsr-3162	22	22	association	association	NOUN
fsr-3162	22	23	between	between	ADP
fsr-3162	22	24	parental	parental	ADJ
fsr-3162	22	25	financial	financial	ADJ
fsr-3162	22	26	advising	advising	NOUN
fsr-3162	22	27	in	in	ADP
fsr-3162	22	28	childhood	childhood	NOUN
fsr-3162	22	29	or	or	CCONJ
fsr-3162	22	30	adolescence	adolescence	NOUN
fsr-3162	22	31	and	and	CCONJ
fsr-3162	22	32	financial	financial	ADJ
fsr-3162	22	33	behaviors	behavior	NOUN
fsr-3162	22	34	in	in	ADP
fsr-3162	22	35	adulthood	adulthood	NOUN
fsr-3162	22	36	(	(	PUNCT
fsr-3162	22	37	e.g.	e.g.	ADV
fsr-3162	22	38	,	,	PUNCT
fsr-3162	22	39	bucciol	bucciol	NOUN
fsr-3162	22	40	&	&	CCONJ
fsr-3162	22	41	veronesi	veronesi	PROPN
fsr-3162	22	42	,	,	PUNCT
fsr-3162	22	43	2014	2014	NUM
fsr-3162	22	44	;	;	PUNCT
fsr-3162	22	45	grinstein	grinstein	NOUN
fsr-3162	22	46	-	-	PUNCT
fsr-3162	22	47	weiss	weiss	NOUN
fsr-3162	22	48	et	et	PROPN
fsr-3162	22	49	al	al	PROPN
fsr-3162	22	50	.	.	PROPN
fsr-3162	22	51	,	,	PUNCT
fsr-3162	22	52	2011	2011	NUM
fsr-3162	22	53	;	;	PUNCT
fsr-3162	22	54	sansone	sansone	PROPN
fsr-3162	22	55	et	et	PROPN
fsr-3162	22	56	al	al	PROPN
fsr-3162	22	57	.	.	PROPN
fsr-3162	22	58	,	,	PUNCT
fsr-3162	22	59	2019	2019	NUM
fsr-3162	22	60	)	)	PUNCT
fsr-3162	22	61	.	.	PUNCT
fsr-3162	23	1	most	most	ADJ
fsr-3162	23	2	existing	exist	VERB
fsr-3162	23	3	studies	study	NOUN
fsr-3162	23	4	investigated	investigate	VERB
fsr-3162	23	5	the	the	DET
fsr-3162	23	6	financial	financial	ADJ
fsr-3162	23	7	experiences	experience	NOUN
fsr-3162	23	8	or	or	CCONJ
fsr-3162	23	9	financial	financial	ADJ
fsr-3162	23	10	education	education	NOUN
fsr-3162	23	11	taking	take	VERB
fsr-3162	23	12	place	place	NOUN
fsr-3162	23	13	in	in	ADP
fsr-3162	23	14	a	a	DET
fsr-3162	23	15	specific	specific	ADJ
fsr-3162	23	16	platform	platform	NOUN
fsr-3162	23	17	,	,	PUNCT
fsr-3162	23	18	being	be	AUX
fsr-3162	23	19	family	family	NOUN
fsr-3162	23	20	,	,	PUNCT
fsr-3162	23	21	school	school	NOUN
fsr-3162	23	22	,	,	PUNCT
fsr-3162	23	23	community	community	NOUN
fsr-3162	23	24	,	,	PUNCT
fsr-3162	23	25	or	or	CCONJ
fsr-3162	23	26	workplace	workplace	NOUN
fsr-3162	23	27	.	.	PUNCT
fsr-3162	24	1	however	however	ADV
fsr-3162	24	2	,	,	PUNCT
fsr-3162	24	3	individuals	individual	NOUN
fsr-3162	24	4	can	can	AUX
fsr-3162	24	5	receive	receive	VERB
fsr-3162	24	6	financial	financial	ADJ
fsr-3162	24	7	education	education	NOUN
fsr-3162	24	8	throughout	throughout	ADP
fsr-3162	24	9	stages	stage	NOUN
fsr-3162	24	10	of	of	ADP
fsr-3162	24	11	life	life	NOUN
fsr-3162	24	12	—	—	PUNCT
fsr-3162	24	13	as	as	ADP
fsr-3162	24	14	children	child	NOUN
fsr-3162	24	15	,	,	PUNCT
fsr-3162	24	16	students	student	NOUN
fsr-3162	24	17	,	,	PUNCT
fsr-3162	24	18	and	and	CCONJ
fsr-3162	24	19	employees	employee	NOUN
fsr-3162	24	20	.	.	PUNCT
fsr-3162	25	1	the	the	DET
fsr-3162	25	2	cumulative	cumulative	ADJ
fsr-3162	25	3	effect	effect	NOUN
fsr-3162	25	4	of	of	ADP
fsr-3162	25	5	financial	financial	ADJ
fsr-3162	25	6	education	education	NOUN
fsr-3162	25	7	can	can	AUX
fsr-3162	25	8	play	play	VERB
fsr-3162	25	9	out	out	ADP
fsr-3162	25	10	,	,	PUNCT
fsr-3162	25	11	as	as	SCONJ
fsr-3162	25	12	suggested	suggest	VERB
fsr-3162	25	13	by	by	ADP
fsr-3162	25	14	serido	serido	NOUN
fsr-3162	25	15	and	and	CCONJ
fsr-3162	25	16	shim	shim	NOUN
fsr-3162	25	17	(	(	PUNCT
fsr-3162	25	18	2014	2014	NUM
fsr-3162	25	19	)	)	PUNCT
fsr-3162	25	20	.	.	PUNCT
fsr-3162	26	1	they	they	PRON
fsr-3162	26	2	reported	report	VERB
fsr-3162	26	3	that	that	SCONJ
fsr-3162	26	4	financial	financial	ADJ
fsr-3162	26	5	education	education	NOUN
fsr-3162	26	6	,	,	PUNCT
fsr-3162	26	7	starting	start	VERB
fsr-3162	26	8	in	in	ADP
fsr-3162	26	9	high	high	ADJ
fsr-3162	26	10	school	school	NOUN
fsr-3162	26	11	and	and	CCONJ
fsr-3162	26	12	continuing	continue	VERB
fsr-3162	26	13	in	in	ADP
fsr-3162	26	14	college	college	NOUN
fsr-3162	26	15	,	,	PUNCT
fsr-3162	26	16	can	can	AUX
fsr-3162	26	17	contribute	contribute	VERB
fsr-3162	26	18	to	to	ADP
fsr-3162	26	19	more	more	ADV
fsr-3162	26	20	responsible	responsible	ADJ
fsr-3162	26	21	financial	financial	ADJ
fsr-3162	26	22	behaviors	behavior	NOUN
fsr-3162	26	23	during	during	ADP
fsr-3162	26	24	and	and	CCONJ
fsr-3162	26	25	after	after	ADP
fsr-3162	26	26	college	college	NOUN
fsr-3162	26	27	.	.	PUNCT
fsr-3162	27	1	wagner	wagner	PROPN
fsr-3162	27	2	and	and	CCONJ
fsr-3162	27	3	walstad	walstad	PROPN
fsr-3162	27	4	(	(	PUNCT
fsr-3162	27	5	2019	2019	NUM
fsr-3162	27	6	)	)	PUNCT
fsr-3162	27	7	attempted	attempt	VERB
fsr-3162	27	8	to	to	PART
fsr-3162	27	9	investigate	investigate	VERB
fsr-3162	27	10	the	the	DET
fsr-3162	27	11	distinct	distinct	ADJ
fsr-3162	27	12	influences	influence	NOUN
fsr-3162	27	13	of	of	ADP
fsr-3162	27	14	financial	financial	ADJ
fsr-3162	27	15	education	education	NOUN
fsr-3162	27	16	received	receive	VERB
fsr-3162	27	17	at	at	ADP
fsr-3162	27	18	high	high	ADJ
fsr-3162	27	19	schools	school	NOUN
fsr-3162	27	20	,	,	PUNCT
fsr-3162	27	21	colleges	college	NOUN
fsr-3162	27	22	,	,	PUNCT
fsr-3162	27	23	and	and	CCONJ
fsr-3162	27	24	workplaces	workplace	NOUN
fsr-3162	27	25	.	.	PUNCT
fsr-3162	28	1	this	this	DET
fsr-3162	28	2	study	study	NOUN
fsr-3162	28	3	provides	provide	VERB
fsr-3162	28	4	additional	additional	ADJ
fsr-3162	28	5	evidence	evidence	NOUN
fsr-3162	28	6	by	by	ADP
fsr-3162	28	7	further	far	ADV
fsr-3162	28	8	investigating	investigate	VERB
fsr-3162	28	9	the	the	DET
fsr-3162	28	10	influence	influence	NOUN
fsr-3162	28	11	of	of	ADP
fsr-3162	28	12	parental	parental	ADJ
fsr-3162	28	13	financial	financial	ADJ
fsr-3162	28	14	advising	advising	NOUN
fsr-3162	28	15	in	in	ADP
fsr-3162	28	16	childhood	childhood	NOUN
fsr-3162	28	17	vis	vis	X
fsr-3162	28	18	-	-	PUNCT
fsr-3162	28	19	à-vis	à-vis	ADJ
fsr-3162	28	20	financial	financial	ADJ
fsr-3162	28	21	education	education	NOUN
fsr-3162	28	22	at	at	ADP
fsr-3162	28	23	school	school	NOUN
fsr-3162	28	24	or	or	CCONJ
fsr-3162	28	25	workplace	workplace	NOUN
fsr-3162	28	26	on	on	ADP
fsr-3162	28	27	financial	financial	ADJ
fsr-3162	28	28	behaviors	behavior	NOUN
fsr-3162	28	29	in	in	ADP
fsr-3162	28	30	adulthood	adulthood	NOUN
fsr-3162	28	31	.	.	PUNCT
fsr-3162	29	1	such	such	ADJ
fsr-3162	29	2	investigation	investigation	NOUN
fsr-3162	29	3	is	be	AUX
fsr-3162	29	4	possible	possible	ADJ
fsr-3162	29	5	by	by	ADP
fsr-3162	29	6	using	use	VERB
fsr-3162	29	7	data	datum	NOUN
fsr-3162	29	8	from	from	ADP
fsr-3162	29	9	the	the	DET
fsr-3162	29	10	financial	financial	ADJ
fsr-3162	29	11	literacy	literacy	NOUN
fsr-3162	29	12	survey	survey	NOUN
fsr-3162	29	13	(	(	PUNCT
fsr-3162	29	14	fls	fls	PROPN
fsr-3162	29	15	)	)	PUNCT
fsr-3162	29	16	2016	2016	NUM
fsr-3162	29	17	—	—	PUNCT
fsr-3162	29	18	an	an	DET
fsr-3162	29	19	online	online	ADJ
fsr-3162	29	20	survey	survey	NOUN
fsr-3162	29	21	conducted	conduct	VERB
fsr-3162	29	22	by	by	ADP
fsr-3162	29	23	japan	japan	PROPN
fsr-3162	29	24	’s	’s	PART
fsr-3162	29	25	central	central	PROPN
fsr-3162	29	26	council	council	PROPN
fsr-3162	29	27	for	for	ADP
fsr-3162	29	28	financial	financial	ADJ
fsr-3162	29	29	services	service	NOUN
fsr-3162	29	30	information	information	NOUN
fsr-3162	29	31	in	in	ADP
fsr-3162	29	32	2015	2015	NUM
fsr-3162	29	33	,	,	PUNCT
fsr-3162	29	34	which	which	PRON
fsr-3162	29	35	contains	contain	VERB
fsr-3162	29	36	self	self	NOUN
fsr-3162	29	37	-	-	PUNCT
fsr-3162	29	38	reported	report	VERB
fsr-3162	29	39	experiences	experience	NOUN
fsr-3162	29	40	of	of	ADP
fsr-3162	29	41	being	be	AUX
fsr-3162	29	42	taught	teach	VERB
fsr-3162	29	43	by	by	ADP
fsr-3162	29	44	parents	parent	NOUN
fsr-3162	29	45	,	,	PUNCT
fsr-3162	29	46	the	the	DET
fsr-3162	29	47	financial	financial	ADJ
fsr-3162	29	48	education	education	NOUN
fsr-3162	29	49	experiences	experience	NOUN
fsr-3162	29	50	at	at	ADP
fsr-3162	29	51	school	school	NOUN
fsr-3162	29	52	or	or	CCONJ
fsr-3162	29	53	workplace	workplace	NOUN
fsr-3162	29	54	,	,	PUNCT
fsr-3162	29	55	as	as	ADV
fsr-3162	29	56	well	well	ADV
fsr-3162	29	57	as	as	ADP
fsr-3162	29	58	a	a	DET
fsr-3162	29	59	set	set	NOUN
fsr-3162	29	60	of	of	ADP
fsr-3162	29	61	questions	question	NOUN
fsr-3162	29	62	relating	relate	VERB
fsr-3162	29	63	to	to	ADP
fsr-3162	29	64	financial	financial	ADJ
fsr-3162	29	65	knowledge	knowledge	NOUN
fsr-3162	29	66	,	,	PUNCT
fsr-3162	29	67	attitudes	attitude	NOUN
fsr-3162	29	68	,	,	PUNCT
fsr-3162	29	69	and	and	CCONJ
fsr-3162	29	70	behaviors	behavior	NOUN
fsr-3162	29	71	.	.	PUNCT
fsr-3162	30	1	furthermore	furthermore	ADV
fsr-3162	30	2	,	,	PUNCT
fsr-3162	30	3	following	follow	VERB
fsr-3162	30	4	wagner	wagner	PROPN
fsr-3162	30	5	and	and	CCONJ
fsr-3162	30	6	walstad	walstad	PROPN
fsr-3162	30	7	(	(	PUNCT
fsr-3162	30	8	2019	2019	NUM
fsr-3162	30	9	)	)	PUNCT
fsr-3162	30	10	,	,	PUNCT
fsr-3162	30	11	this	this	DET
fsr-3162	30	12	study	study	NOUN
fsr-3162	30	13	examined	examine	VERB
fsr-3162	30	14	two	two	NUM
fsr-3162	30	15	types	type	NOUN
fsr-3162	30	16	of	of	ADP
fsr-3162	30	17	financial	financial	ADJ
fsr-3162	30	18	behaviors	behavior	NOUN
fsr-3162	30	19	—	—	PUNCT
fsr-3162	30	20	short	short	ADJ
fsr-3162	30	21	-	-	PUNCT
fsr-3162	30	22	term	term	NOUN
fsr-3162	30	23	ones	one	NOUN
fsr-3162	30	24	defined	define	VERB
fsr-3162	30	25	as	as	ADP
fsr-3162	30	26	“	"	PUNCT
fsr-3162	30	27	involving	involve	VERB
fsr-3162	30	28	a	a	DET
fsr-3162	30	29	money	money	NOUN
fsr-3162	30	30	or	or	CCONJ
fsr-3162	30	31	credit	credit	NOUN
fsr-3162	30	32	management	management	NOUN
fsr-3162	30	33	task	task	NOUN
fsr-3162	30	34	that	that	PRON
fsr-3162	30	35	gives	give	VERB
fsr-3162	30	36	regular	regular	ADJ
fsr-3162	30	37	and	and	CCONJ
fsr-3162	30	38	timely	timely	ADJ
fsr-3162	30	39	feedback	feedback	NOUN
fsr-3162	30	40	to	to	PART
fsr-3162	30	41	remind	remind	VERB
fsr-3162	30	42	people	people	NOUN
fsr-3162	30	43	about	about	ADP
fsr-3162	30	44	what	what	PRON
fsr-3162	30	45	they	they	PRON
fsr-3162	30	46	need	need	VERB
fsr-3162	30	47	to	to	PART
fsr-3162	30	48	do	do	VERB
fsr-3162	30	49	to	to	PART
fsr-3162	30	50	change	change	VERB
fsr-3162	30	51	their	their	PRON
fsr-3162	30	52	financial	financial	ADJ
fsr-3162	30	53	behavior	behavior	NOUN
fsr-3162	30	54	to	to	PART
fsr-3162	30	55	avoid	avoid	VERB
fsr-3162	30	56	financial	financial	ADJ
fsr-3162	30	57	penalties	penalty	NOUN
fsr-3162	30	58	and	and	CCONJ
fsr-3162	30	59	consequences	consequence	NOUN
fsr-3162	30	60	,	,	PUNCT
fsr-3162	30	61	”	"	PUNCT
fsr-3162	30	62	and	and	CCONJ
fsr-3162	30	63	long	long	ADJ
fsr-3162	30	64	-	-	PUNCT
fsr-3162	30	65	term	term	NOUN
fsr-3162	30	66	ones	one	NOUN
fsr-3162	30	67	as	as	ADP
fsr-3162	30	68	“	"	PUNCT
fsr-3162	30	69	involving	involve	VERB
fsr-3162	30	70	more	more	ADJ
fsr-3162	30	71	planning	planning	NOUN
fsr-3162	30	72	for	for	ADP
fsr-3162	30	73	the	the	DET
fsr-3162	30	74	future	future	NOUN
fsr-3162	30	75	and	and	CCONJ
fsr-3162	30	76	are	be	AUX
fsr-3162	30	77	less	less	ADV
fsr-3162	30	78	influenced	influence	VERB
fsr-3162	30	79	by	by	ADP
fsr-3162	30	80	regular	regular	ADJ
fsr-3162	30	81	feedback	feedback	NOUN
fsr-3162	30	82	or	or	CCONJ
fsr-3162	30	83	learning	learn	VERB
fsr-3162	30	84	by	by	ADP
fsr-3162	30	85	doing	do	VERB
fsr-3162	30	86	.	.	PUNCT
fsr-3162	30	87	”	"	PUNCT
fsr-3162	31	1	the	the	DET
fsr-3162	31	2	results	result	NOUN
fsr-3162	31	3	indicate	indicate	VERB
fsr-3162	31	4	that	that	SCONJ
fsr-3162	31	5	those	those	PRON
fsr-3162	31	6	who	who	PRON
fsr-3162	31	7	were	be	AUX
fsr-3162	31	8	only	only	ADV
fsr-3162	31	9	taught	teach	VERB
fsr-3162	31	10	by	by	ADP
fsr-3162	31	11	parents	parent	NOUN
fsr-3162	31	12	how	how	SCONJ
fsr-3162	31	13	to	to	PART
fsr-3162	31	14	manage	manage	VERB
fsr-3162	31	15	money	money	NOUN
fsr-3162	31	16	primarily	primarily	ADV
fsr-3162	31	17	manifest	manif	ADJ
fsr-3162	31	18	desirable	desirable	ADJ
fsr-3162	31	19	short	short	ADJ
fsr-3162	31	20	-	-	PUNCT
fsr-3162	31	21	term	term	NOUN
fsr-3162	31	22	behaviors	behavior	NOUN
fsr-3162	31	23	measured	measure	VERB
fsr-3162	31	24	by	by	ADP
fsr-3162	31	25	“	"	PUNCT
fsr-3162	31	26	careful	careful	ADJ
fsr-3162	31	27	consideration	consideration	NOUN
fsr-3162	31	28	before	before	ADP
fsr-3162	31	29	298	298	NUM
fsr-3162	31	30	t.-m	t.-m	NOUN
fsr-3162	31	31	.	.	PUNCT
fsr-3162	32	1	yeh	yeh	PROPN
fsr-3162	32	2	/	/	SYM
fsr-3162	32	3	financial	financial	ADJ
fsr-3162	32	4	services	service	NOUN
fsr-3162	32	5	review	review	VERB
fsr-3162	32	6	30	30	NUM
fsr-3162	32	7	(	(	PUNCT
fsr-3162	32	8	2022	2022	NUM
fsr-3162	32	9	)	)	PUNCT
fsr-3162	33	1	297–320	297–320	NUM
fsr-3162	33	2	purchase	purchase	NOUN
fsr-3162	33	3	,	,	PUNCT
fsr-3162	33	4	”	"	PUNCT
fsr-3162	33	5	“	"	PUNCT
fsr-3162	33	6	paying	pay	VERB
fsr-3162	33	7	bills	bill	NOUN
fsr-3162	33	8	on	on	ADP
fsr-3162	33	9	time	time	NOUN
fsr-3162	33	10	,	,	PUNCT
fsr-3162	33	11	”	"	PUNCT
fsr-3162	33	12	“	"	PUNCT
fsr-3162	33	13	watching	watch	VERB
fsr-3162	33	14	financial	financial	ADJ
fsr-3162	33	15	affairs	affair	NOUN
fsr-3162	33	16	closely	closely	ADV
fsr-3162	33	17	,	,	PUNCT
fsr-3162	33	18	”	"	PUNCT
fsr-3162	33	19	and	and	CCONJ
fsr-3162	33	20	“	"	PUNCT
fsr-3162	33	21	having	have	VERB
fsr-3162	33	22	an	an	DET
fsr-3162	33	23	emergency	emergency	NOUN
fsr-3162	33	24	fund	fund	NOUN
fsr-3162	33	25	.	.	PUNCT
fsr-3162	33	26	”	"	PUNCT
fsr-3162	34	1	those	those	PRON
fsr-3162	34	2	who	who	PRON
fsr-3162	34	3	received	receive	VERB
fsr-3162	34	4	only	only	ADV
fsr-3162	34	5	financial	financial	ADJ
fsr-3162	34	6	education	education	NOUN
fsr-3162	34	7	at	at	ADP
fsr-3162	34	8	school	school	NOUN
fsr-3162	34	9	or	or	CCONJ
fsr-3162	34	10	the	the	DET
fsr-3162	34	11	workplace	workplace	NOUN
fsr-3162	34	12	primarily	primarily	ADV
fsr-3162	34	13	displayed	display	VERB
fsr-3162	34	14	desirable	desirable	ADJ
fsr-3162	34	15	long	long	ADJ
fsr-3162	34	16	-	-	PUNCT
fsr-3162	34	17	term	term	NOUN
fsr-3162	34	18	behaviors	behavior	NOUN
fsr-3162	34	19	measured	measure	VERB
fsr-3162	34	20	by	by	ADP
fsr-3162	34	21	investing	invest	VERB
fsr-3162	34	22	in	in	ADP
fsr-3162	34	23	stocks	stock	NOUN
fsr-3162	34	24	and	and	CCONJ
fsr-3162	34	25	saving	save	VERB
fsr-3162	34	26	for	for	ADP
fsr-3162	34	27	retirement	retirement	NOUN
fsr-3162	34	28	,	,	PUNCT
fsr-3162	34	29	while	while	SCONJ
fsr-3162	34	30	also	also	ADV
fsr-3162	34	31	displaying	display	VERB
fsr-3162	34	32	desirable	desirable	ADJ
fsr-3162	34	33	short	short	ADJ
fsr-3162	34	34	-	-	PUNCT
fsr-3162	34	35	term	term	NOUN
fsr-3162	34	36	behaviors	behavior	NOUN
fsr-3162	34	37	to	to	ADP
fsr-3162	34	38	a	a	DET
fsr-3162	34	39	significantly	significantly	ADV
fsr-3162	34	40	lesser	less	ADJ
fsr-3162	34	41	extent	extent	NOUN
fsr-3162	34	42	.	.	PUNCT
fsr-3162	35	1	the	the	DET
fsr-3162	35	2	results	result	NOUN
fsr-3162	35	3	are	be	AUX
fsr-3162	35	4	robust	robust	ADJ
fsr-3162	35	5	to	to	ADP
fsr-3162	35	6	tests	test	NOUN
fsr-3162	35	7	using	use	VERB
fsr-3162	35	8	instrumental	instrumental	ADJ
fsr-3162	35	9	-	-	PUNCT
fsr-3162	35	10	variable	variable	ADJ
fsr-3162	35	11	and	and	CCONJ
fsr-3162	35	12	propensity	propensity	NOUN
fsr-3162	35	13	score	score	NOUN
fsr-3162	35	14	matching	matching	NOUN
fsr-3162	35	15	methods	method	NOUN
fsr-3162	35	16	.	.	PUNCT
fsr-3162	36	1	it	it	PRON
fsr-3162	36	2	is	be	AUX
fsr-3162	36	3	plausible	plausible	ADJ
fsr-3162	36	4	that	that	SCONJ
fsr-3162	36	5	short	short	ADJ
fsr-3162	36	6	-	-	PUNCT
fsr-3162	36	7	term	term	NOUN
fsr-3162	36	8	financial	financial	ADJ
fsr-3162	36	9	behavior	behavior	NOUN
fsr-3162	36	10	is	be	AUX
fsr-3162	36	11	shaped	shape	VERB
fsr-3162	36	12	within	within	ADP
fsr-3162	36	13	the	the	DET
fsr-3162	36	14	family	family	NOUN
fsr-3162	36	15	as	as	SCONJ
fsr-3162	36	16	children	child	NOUN
fsr-3162	36	17	develop	develop	VERB
fsr-3162	36	18	sound	sound	ADJ
fsr-3162	36	19	financial	financial	ADJ
fsr-3162	36	20	values	value	NOUN
fsr-3162	36	21	and	and	CCONJ
fsr-3162	36	22	attitudes	attitude	NOUN
fsr-3162	36	23	from	from	ADP
fsr-3162	36	24	direct	direct	ADJ
fsr-3162	36	25	and	and	CCONJ
fsr-3162	36	26	indirect	indirect	ADJ
fsr-3162	36	27	socialization	socialization	NOUN
fsr-3162	36	28	with	with	ADP
fsr-3162	36	29	family	family	NOUN
fsr-3162	36	30	members	member	NOUN
fsr-3162	36	31	,	,	PUNCT
fsr-3162	36	32	particularly	particularly	ADV
fsr-3162	36	33	parents	parent	NOUN
fsr-3162	36	34	,	,	PUNCT
fsr-3162	36	35	leading	lead	VERB
fsr-3162	36	36	to	to	ADP
fsr-3162	36	37	behaviors	behavior	NOUN
fsr-3162	36	38	such	such	ADJ
fsr-3162	36	39	as	as	ADP
fsr-3162	36	40	paying	pay	VERB
fsr-3162	36	41	bills	bill	NOUN
fsr-3162	36	42	on	on	ADP
fsr-3162	36	43	time	time	NOUN
fsr-3162	36	44	.	.	PUNCT
fsr-3162	37	1	such	such	ADJ
fsr-3162	37	2	socialization	socialization	NOUN
fsr-3162	37	3	and	and	CCONJ
fsr-3162	37	4	experiences	experience	NOUN
fsr-3162	37	5	within	within	ADP
fsr-3162	37	6	the	the	DET
fsr-3162	37	7	family	family	NOUN
fsr-3162	37	8	can	can	AUX
fsr-3162	37	9	also	also	ADV
fsr-3162	37	10	strengthen	strengthen	VERB
fsr-3162	37	11	executive	executive	ADJ
fsr-3162	37	12	functions	function	NOUN
fsr-3162	37	13	,	,	PUNCT
fsr-3162	37	14	resulting	result	VERB
fsr-3162	37	15	in	in	ADP
fsr-3162	37	16	self	self	NOUN
fsr-3162	37	17	-	-	PUNCT
fsr-3162	37	18	control	control	NOUN
fsr-3162	37	19	and	and	CCONJ
fsr-3162	37	20	careful	careful	ADJ
fsr-3162	37	21	purchase	purchase	NOUN
fsr-3162	37	22	behaviors	behavior	NOUN
fsr-3162	37	23	.	.	PUNCT
fsr-3162	38	1	parents	parent	NOUN
fsr-3162	38	2	can	can	AUX
fsr-3162	38	3	provide	provide	VERB
fsr-3162	38	4	timely	timely	ADJ
fsr-3162	38	5	negative	negative	ADJ
fsr-3162	38	6	feedback	feedback	NOUN
fsr-3162	38	7	or	or	CCONJ
fsr-3162	38	8	punishment	punishment	NOUN
fsr-3162	38	9	when	when	SCONJ
fsr-3162	38	10	children	child	NOUN
fsr-3162	38	11	deviate	deviate	VERB
fsr-3162	38	12	from	from	ADP
fsr-3162	38	13	these	these	DET
fsr-3162	38	14	practices	practice	NOUN
fsr-3162	38	15	.	.	PUNCT
fsr-3162	39	1	on	on	ADP
fsr-3162	39	2	the	the	DET
fsr-3162	39	3	other	other	ADJ
fsr-3162	39	4	hand	hand	NOUN
fsr-3162	39	5	,	,	PUNCT
fsr-3162	39	6	financial	financial	ADJ
fsr-3162	39	7	education	education	NOUN
fsr-3162	39	8	at	at	ADP
fsr-3162	39	9	school	school	NOUN
fsr-3162	39	10	or	or	CCONJ
fsr-3162	39	11	the	the	DET
fsr-3162	39	12	workplace	workplace	NOUN
fsr-3162	39	13	aims	aim	VERB
fsr-3162	39	14	at	at	ADP
fsr-3162	39	15	improving	improve	VERB
fsr-3162	39	16	knowledge	knowledge	NOUN
fsr-3162	39	17	of	of	ADP
fsr-3162	39	18	personal	personal	ADJ
fsr-3162	39	19	finances	finance	NOUN
fsr-3162	39	20	and	and	CCONJ
fsr-3162	39	21	budgeting	budgeting	NOUN
fsr-3162	39	22	skills	skill	NOUN
fsr-3162	39	23	,	,	PUNCT
fsr-3162	39	24	preparing	prepare	VERB
fsr-3162	39	25	students	student	NOUN
fsr-3162	39	26	or	or	CCONJ
fsr-3162	39	27	employees	employee	NOUN
fsr-3162	39	28	for	for	ADP
fsr-3162	39	29	long	long	ADJ
fsr-3162	39	30	-	-	PUNCT
fsr-3162	39	31	term	term	NOUN
fsr-3162	39	32	financial	financial	ADJ
fsr-3162	39	33	behaviors	behavior	NOUN
fsr-3162	39	34	such	such	ADJ
fsr-3162	39	35	as	as	ADP
fsr-3162	39	36	retirement	retirement	NOUN
fsr-3162	39	37	planning	planning	NOUN
fsr-3162	39	38	,	,	PUNCT
fsr-3162	39	39	saving	saving	NOUN
fsr-3162	39	40	,	,	PUNCT
fsr-3162	39	41	or	or	CCONJ
fsr-3162	39	42	home	home	NOUN
fsr-3162	39	43	buying	buying	NOUN
fsr-3162	39	44	(	(	PUNCT
fsr-3162	39	45	fox	fox	PROPN
fsr-3162	39	46	et	et	PROPN
fsr-3162	39	47	al	al	PROPN
fsr-3162	39	48	.	.	PROPN
fsr-3162	39	49	,	,	PUNCT
fsr-3162	39	50	2005	2005	NUM
fsr-3162	39	51	)	)	PUNCT
fsr-3162	39	52	.	.	PUNCT
fsr-3162	40	1	caution	caution	NOUN
fsr-3162	40	2	is	be	AUX
fsr-3162	40	3	required	require	VERB
fsr-3162	40	4	when	when	SCONJ
fsr-3162	40	5	interpreting	interpret	VERB
fsr-3162	40	6	the	the	DET
fsr-3162	40	7	results	result	NOUN
fsr-3162	40	8	of	of	ADP
fsr-3162	40	9	this	this	DET
fsr-3162	40	10	study	study	NOUN
fsr-3162	40	11	,	,	PUNCT
fsr-3162	40	12	which	which	PRON
fsr-3162	40	13	has	have	VERB
fsr-3162	40	14	some	some	DET
fsr-3162	40	15	limitations	limitation	NOUN
fsr-3162	40	16	.	.	PUNCT
fsr-3162	41	1	primary	primary	ADJ
fsr-3162	41	2	potential	potential	ADJ
fsr-3162	41	3	concerns	concern	NOUN
fsr-3162	41	4	include	include	VERB
fsr-3162	41	5	recall	recall	NOUN
fsr-3162	41	6	error	error	NOUN
fsr-3162	41	7	,	,	PUNCT
fsr-3162	41	8	endogeneity	endogeneity	NOUN
fsr-3162	41	9	,	,	PUNCT
fsr-3162	41	10	and	and	CCONJ
fsr-3162	41	11	omitted	omit	VERB
fsr-3162	41	12	variables	variable	NOUN
fsr-3162	41	13	problem	problem	NOUN
fsr-3162	41	14	,	,	PUNCT
fsr-3162	41	15	which	which	PRON
fsr-3162	41	16	,	,	PUNCT
fsr-3162	41	17	together	together	ADV
fsr-3162	41	18	with	with	ADP
fsr-3162	41	19	other	other	ADJ
fsr-3162	41	20	issues	issue	NOUN
fsr-3162	41	21	,	,	PUNCT
fsr-3162	41	22	will	will	AUX
fsr-3162	41	23	be	be	AUX
fsr-3162	41	24	discussed	discuss	VERB
fsr-3162	41	25	in	in	ADP
fsr-3162	41	26	the	the	DET
fsr-3162	41	27	final	final	ADJ
fsr-3162	41	28	section	section	NOUN
fsr-3162	41	29	.	.	PUNCT
fsr-3162	42	1	despite	despite	SCONJ
fsr-3162	42	2	the	the	DET
fsr-3162	42	3	limitations	limitation	NOUN
fsr-3162	42	4	,	,	PUNCT
fsr-3162	42	5	this	this	DET
fsr-3162	42	6	study	study	NOUN
fsr-3162	42	7	enriches	enrich	VERB
fsr-3162	42	8	the	the	DET
fsr-3162	42	9	financial	financial	ADJ
fsr-3162	42	10	education	education	NOUN
fsr-3162	42	11	literature	literature	NOUN
fsr-3162	42	12	by	by	ADP
fsr-3162	42	13	providing	provide	VERB
fsr-3162	42	14	evidence	evidence	NOUN
fsr-3162	42	15	distinguishing	distinguish	VERB
fsr-3162	42	16	financial	financial	ADJ
fsr-3162	42	17	socialization	socialization	NOUN
fsr-3162	42	18	in	in	ADP
fsr-3162	42	19	the	the	DET
fsr-3162	42	20	family	family	NOUN
fsr-3162	42	21	from	from	ADP
fsr-3162	42	22	financial	financial	ADJ
fsr-3162	42	23	education	education	NOUN
fsr-3162	42	24	at	at	ADP
fsr-3162	42	25	school	school	NOUN
fsr-3162	42	26	or	or	CCONJ
fsr-3162	42	27	the	the	DET
fsr-3162	42	28	workplace	workplace	NOUN
fsr-3162	42	29	.	.	PUNCT
fsr-3162	43	1	the	the	DET
fsr-3162	43	2	results	result	NOUN
fsr-3162	43	3	of	of	ADP
fsr-3162	43	4	differential	differential	ADJ
fsr-3162	43	5	influences	influence	NOUN
fsr-3162	43	6	associated	associate	VERB
fsr-3162	43	7	with	with	ADP
fsr-3162	43	8	different	different	ADJ
fsr-3162	43	9	platforms	platform	NOUN
fsr-3162	43	10	may	may	AUX
fsr-3162	43	11	provide	provide	VERB
fsr-3162	43	12	implications	implication	NOUN
fsr-3162	43	13	for	for	ADP
fsr-3162	43	14	educators	educator	NOUN
fsr-3162	43	15	,	,	PUNCT
fsr-3162	43	16	employers	employer	NOUN
fsr-3162	43	17	,	,	PUNCT
fsr-3162	43	18	financial	financial	ADJ
fsr-3162	43	19	education	education	NOUN
fsr-3162	43	20	trade	trade	NOUN
fsr-3162	43	21	bodies	body	NOUN
fsr-3162	43	22	,	,	PUNCT
fsr-3162	43	23	and	and	CCONJ
fsr-3162	43	24	policymakers	policymaker	NOUN
fsr-3162	43	25	.	.	PUNCT
fsr-3162	44	1	in	in	ADP
fsr-3162	44	2	addition	addition	NOUN
fsr-3162	44	3	,	,	PUNCT
fsr-3162	44	4	evidence	evidence	NOUN
fsr-3162	44	5	from	from	ADP
fsr-3162	44	6	japanese	japanese	ADJ
fsr-3162	44	7	data	datum	NOUN
fsr-3162	44	8	can	can	AUX
fsr-3162	44	9	enrich	enrich	VERB
fsr-3162	44	10	the	the	DET
fsr-3162	44	11	literature	literature	NOUN
fsr-3162	44	12	,	,	PUNCT
fsr-3162	44	13	as	as	SCONJ
fsr-3162	44	14	the	the	DET
fsr-3162	44	15	influence	influence	NOUN
fsr-3162	44	16	of	of	ADP
fsr-3162	44	17	financial	financial	ADJ
fsr-3162	44	18	education	education	NOUN
fsr-3162	44	19	on	on	ADP
fsr-3162	44	20	broader	broad	ADJ
fsr-3162	44	21	population	population	NOUN
fsr-3162	44	22	-	-	PUNCT
fsr-3162	44	23	level	level	NOUN
fsr-3162	44	24	financial	financial	ADJ
fsr-3162	44	25	knowledge	knowledge	NOUN
fsr-3162	44	26	and	and	CCONJ
fsr-3162	44	27	self	self	NOUN
fsr-3162	44	28	-	-	PUNCT
fsr-3162	44	29	efficacy	efficacy	NOUN
fsr-3162	44	30	were	be	AUX
fsr-3162	44	31	understudied	understudied	ADJ
fsr-3162	44	32	outside	outside	ADP
fsr-3162	44	33	the	the	DET
fsr-3162	44	34	united	united	PROPN
fsr-3162	44	35	states	states	PROPN
fsr-3162	44	36	(	(	PUNCT
fsr-3162	44	37	rothwell	rothwell	PROPN
fsr-3162	44	38	&	&	CCONJ
fsr-3162	44	39	wu	wu	PROPN
fsr-3162	44	40	2019	2019	NUM
fsr-3162	44	41	)	)	PUNCT
fsr-3162	44	42	.	.	PUNCT
fsr-3162	45	1	2	2	X
fsr-3162	45	2	.	.	X
fsr-3162	45	3	literature	literature	NOUN
fsr-3162	45	4	review	review	VERB
fsr-3162	45	5	financial	financial	ADJ
fsr-3162	45	6	well	well	NOUN
fsr-3162	45	7	-	-	PUNCT
fsr-3162	45	8	being	being	NOUN
fsr-3162	45	9	is	be	AUX
fsr-3162	45	10	associated	associate	VERB
fsr-3162	45	11	with	with	ADP
fsr-3162	45	12	financial	financial	ADJ
fsr-3162	45	13	capability	capability	NOUN
fsr-3162	45	14	,	,	PUNCT
fsr-3162	45	15	the	the	DET
fsr-3162	45	16	capacity	capacity	NOUN
fsr-3162	45	17	to	to	PART
fsr-3162	45	18	manage	manage	VERB
fsr-3162	45	19	financial	financial	ADJ
fsr-3162	45	20	resources	resource	NOUN
fsr-3162	45	21	effectively	effectively	ADV
fsr-3162	45	22	based	base	VERB
fsr-3162	45	23	on	on	ADP
fsr-3162	45	24	knowledge	knowledge	NOUN
fsr-3162	45	25	,	,	PUNCT
fsr-3162	45	26	skill	skill	NOUN
fsr-3162	45	27	,	,	PUNCT
fsr-3162	45	28	and	and	CCONJ
fsr-3162	45	29	access	access	NOUN
fsr-3162	45	30	(	(	PUNCT
fsr-3162	45	31	consumer	consumer	NOUN
fsr-3162	45	32	financial	financial	PROPN
fsr-3162	45	33	protection	protection	PROPN
fsr-3162	45	34	bureau	bureau	NOUN
fsr-3162	45	35	,	,	PUNCT
fsr-3162	45	36	2016	2016	NUM
fsr-3162	45	37	)	)	PUNCT
fsr-3162	45	38	.	.	PUNCT
fsr-3162	46	1	the	the	DET
fsr-3162	46	2	building	building	NOUN
fsr-3162	46	3	blocks	block	NOUN
fsr-3162	46	4	of	of	ADP
fsr-3162	46	5	financial	financial	ADJ
fsr-3162	46	6	capability	capability	NOUN
fsr-3162	46	7	can	can	AUX
fsr-3162	46	8	be	be	AUX
fsr-3162	46	9	acquired	acquire	VERB
fsr-3162	46	10	through	through	ADP
fsr-3162	46	11	financial	financial	ADJ
fsr-3162	46	12	education	education	NOUN
fsr-3162	46	13	in	in	ADP
fsr-3162	46	14	the	the	DET
fsr-3162	46	15	early	early	ADJ
fsr-3162	46	16	stage	stage	NOUN
fsr-3162	46	17	of	of	ADP
fsr-3162	46	18	life	life	NOUN
fsr-3162	46	19	.	.	PUNCT
fsr-3162	47	1	the	the	DET
fsr-3162	47	2	consumer	consumer	NOUN
fsr-3162	47	3	financial	financial	PROPN
fsr-3162	47	4	protection	protection	PROPN
fsr-3162	47	5	bureau	bureau	PROPN
fsr-3162	47	6	(	(	PUNCT
fsr-3162	47	7	cfpb	cfpb	NOUN
fsr-3162	47	8	)	)	PUNCT
fsr-3162	47	9	suggests	suggest	VERB
fsr-3162	47	10	a	a	DET
fsr-3162	47	11	developmental	developmental	ADJ
fsr-3162	47	12	framework	framework	NOUN
fsr-3162	47	13	,	,	PUNCT
fsr-3162	47	14	based	base	VERB
fsr-3162	47	15	on	on	ADP
fsr-3162	47	16	extensive	extensive	ADJ
fsr-3162	47	17	research	research	NOUN
fsr-3162	47	18	,	,	PUNCT
fsr-3162	47	19	for	for	ADP
fsr-3162	47	20	understanding	understanding	NOUN
fsr-3162	47	21	when	when	SCONJ
fsr-3162	47	22	,	,	PUNCT
fsr-3162	47	23	where	where	SCONJ
fsr-3162	47	24	,	,	PUNCT
fsr-3162	47	25	and	and	CCONJ
fsr-3162	47	26	how	how	SCONJ
fsr-3162	47	27	young	young	ADJ
fsr-3162	47	28	people	people	NOUN
fsr-3162	47	29	learn	learn	VERB
fsr-3162	47	30	and	and	CCONJ
fsr-3162	47	31	develop	develop	VERB
fsr-3162	47	32	the	the	DET
fsr-3162	47	33	following	follow	VERB
fsr-3162	47	34	three	three	NUM
fsr-3162	47	35	building	building	NOUN
fsr-3162	47	36	blocks	block	NOUN
fsr-3162	47	37	(	(	PUNCT
fsr-3162	47	38	consumer	consumer	NOUN
fsr-3162	47	39	financial	financial	PROPN
fsr-3162	47	40	protection	protection	PROPN
fsr-3162	47	41	bureau	bureau	NOUN
fsr-3162	47	42	,	,	PUNCT
fsr-3162	47	43	2016	2016	NUM
fsr-3162	47	44	)	)	PUNCT
fsr-3162	47	45	.	.	PUNCT
fsr-3162	48	1	(	(	PUNCT
fsr-3162	48	2	1	1	X
fsr-3162	48	3	)	)	PUNCT
fsr-3162	48	4	executive	executive	ADJ
fsr-3162	48	5	functions	function	NOUN
fsr-3162	48	6	—	—	PUNCT
fsr-3162	48	7	the	the	DET
fsr-3162	48	8	cognitive	cognitive	ADJ
fsr-3162	48	9	processes	process	NOUN
fsr-3162	48	10	used	use	VERB
fsr-3162	48	11	to	to	PART
fsr-3162	48	12	make	make	VERB
fsr-3162	48	13	plans	plan	NOUN
fsr-3162	48	14	,	,	PUNCT
fsr-3162	48	15	focus	focus	VERB
fsr-3162	48	16	attention	attention	NOUN
fsr-3162	48	17	,	,	PUNCT
fsr-3162	48	18	remember	remember	VERB
fsr-3162	48	19	information	information	NOUN
fsr-3162	48	20	,	,	PUNCT
fsr-3162	48	21	and	and	CCONJ
fsr-3162	48	22	perform	perform	VERB
fsr-3162	48	23	multitasks	multitask	NOUN
fsr-3162	48	24	,	,	PUNCT
fsr-3162	48	25	which	which	PRON
fsr-3162	48	26	are	be	AUX
fsr-3162	48	27	essential	essential	ADJ
fsr-3162	48	28	in	in	ADP
fsr-3162	48	29	saving	save	VERB
fsr-3162	48	30	,	,	PUNCT
fsr-3162	48	31	setting	set	VERB
fsr-3162	48	32	financial	financial	ADJ
fsr-3162	48	33	goals	goal	NOUN
fsr-3162	48	34	,	,	PUNCT
fsr-3162	48	35	and	and	CCONJ
fsr-3162	48	36	managing	manage	VERB
fsr-3162	48	37	money	money	NOUN
fsr-3162	48	38	.	.	PUNCT
fsr-3162	49	1	(	(	PUNCT
fsr-3162	49	2	2	2	X
fsr-3162	49	3	)	)	PUNCT
fsr-3162	49	4	financial	financial	ADJ
fsr-3162	49	5	habits	habit	NOUN
fsr-3162	49	6	and	and	CCONJ
fsr-3162	49	7	norms	norm	NOUN
fsr-3162	49	8	—	—	PUNCT
fsr-3162	49	9	the	the	DET
fsr-3162	49	10	values	value	NOUN
fsr-3162	49	11	,	,	PUNCT
fsr-3162	49	12	standards	standard	NOUN
fsr-3162	49	13	,	,	PUNCT
fsr-3162	49	14	and	and	CCONJ
fsr-3162	49	15	heuristics	heuristic	NOUN
fsr-3162	49	16	used	use	VERB
fsr-3162	49	17	in	in	ADP
fsr-3162	49	18	financial	financial	ADJ
fsr-3162	49	19	matters	matter	NOUN
fsr-3162	49	20	,	,	PUNCT
fsr-3162	49	21	such	such	ADJ
fsr-3162	49	22	as	as	ADP
fsr-3162	49	23	making	make	VERB
fsr-3162	49	24	a	a	DET
fsr-3162	49	25	point	point	NOUN
fsr-3162	49	26	of	of	ADP
fsr-3162	49	27	paying	pay	VERB
fsr-3162	49	28	bills	bill	NOUN
fsr-3162	49	29	on	on	ADP
fsr-3162	49	30	time	time	NOUN
fsr-3162	49	31	.	.	PUNCT
fsr-3162	50	1	(	(	PUNCT
fsr-3162	50	2	3	3	X
fsr-3162	50	3	)	)	PUNCT
fsr-3162	50	4	financial	financial	ADJ
fsr-3162	50	5	knowledge	knowledge	NOUN
fsr-3162	50	6	—	—	PUNCT
fsr-3162	50	7	familiarity	familiarity	NOUN
fsr-3162	50	8	with	with	ADP
fsr-3162	50	9	financial	financial	ADJ
fsr-3162	50	10	facts	fact	NOUN
fsr-3162	50	11	and	and	CCONJ
fsr-3162	50	12	concepts	concept	NOUN
fsr-3162	50	13	,	,	PUNCT
fsr-3162	50	14	which	which	PRON
fsr-3162	50	15	helps	help	VERB
fsr-3162	50	16	efficient	efficient	ADJ
fsr-3162	50	17	money	money	NOUN
fsr-3162	50	18	management	management	NOUN
fsr-3162	50	19	and	and	CCONJ
fsr-3162	50	20	effective	effective	ADJ
fsr-3162	50	21	comparison	comparison	NOUN
fsr-3162	50	22	of	of	ADP
fsr-3162	50	23	financial	financial	ADJ
fsr-3162	50	24	products	product	NOUN
fsr-3162	50	25	.	.	PUNCT
fsr-3162	51	1	t.-m	t.-m	NOUN
fsr-3162	51	2	.	.	PUNCT
fsr-3162	52	1	yeh	yeh	PROPN
fsr-3162	52	2	/	/	SYM
fsr-3162	52	3	financial	financial	ADJ
fsr-3162	52	4	services	service	NOUN
fsr-3162	52	5	review	review	VERB
fsr-3162	52	6	30	30	NUM
fsr-3162	52	7	(	(	PUNCT
fsr-3162	52	8	2022	2022	NUM
fsr-3162	52	9	)	)	PUNCT
fsr-3162	52	10	297–320	297–320	NUM
fsr-3162	52	11	299	299	NUM
fsr-3162	52	12	children	child	NOUN
fsr-3162	52	13	and	and	CCONJ
fsr-3162	52	14	youth	youth	NOUN
fsr-3162	52	15	acquire	acquire	VERB
fsr-3162	52	16	these	these	DET
fsr-3162	52	17	building	building	NOUN
fsr-3162	52	18	blocks	block	NOUN
fsr-3162	52	19	from	from	ADP
fsr-3162	52	20	their	their	PRON
fsr-3162	52	21	family	family	NOUN
fsr-3162	52	22	members	member	NOUN
fsr-3162	52	23	or	or	CCONJ
fsr-3162	52	24	school	school	NOUN
fsr-3162	52	25	education	education	NOUN
fsr-3162	52	26	.	.	PUNCT
fsr-3162	53	1	financial	financial	ADJ
fsr-3162	53	2	socialization	socialization	NOUN
fsr-3162	53	3	theory	theory	NOUN
fsr-3162	53	4	postulates	postulate	VERB
fsr-3162	53	5	that	that	SCONJ
fsr-3162	53	6	youth	youth	NOUN
fsr-3162	53	7	grasp	grasp	VERB
fsr-3162	53	8	financial	financial	ADJ
fsr-3162	53	9	knowledge	knowledge	NOUN
fsr-3162	53	10	and	and	CCONJ
fsr-3162	53	11	behavioral	behavioral	ADJ
fsr-3162	53	12	values	value	NOUN
fsr-3162	53	13	within	within	ADP
fsr-3162	53	14	the	the	DET
fsr-3162	53	15	family	family	NOUN
fsr-3162	53	16	through	through	ADP
fsr-3162	53	17	interactions	interaction	NOUN
fsr-3162	53	18	with	with	ADP
fsr-3162	53	19	family	family	NOUN
fsr-3162	53	20	members	member	NOUN
fsr-3162	53	21	on	on	ADP
fsr-3162	53	22	monetary	monetary	ADJ
fsr-3162	53	23	issues	issue	NOUN
fsr-3162	53	24	(	(	PUNCT
fsr-3162	53	25	gudmunson	gudmunson	PROPN
fsr-3162	53	26	&	&	CCONJ
fsr-3162	53	27	danes	danes	PROPN
fsr-3162	53	28	,	,	PUNCT
fsr-3162	53	29	2011	2011	NUM
fsr-3162	53	30	;	;	PUNCT
fsr-3162	53	31	hanson	hanson	PROPN
fsr-3162	53	32	&	&	CCONJ
fsr-3162	53	33	olson	olson	PROPN
fsr-3162	53	34	,	,	PUNCT
fsr-3162	53	35	2018	2018	NUM
fsr-3162	53	36	;	;	PUNCT
fsr-3162	53	37	jorgensen	jorgensen	PROPN
fsr-3162	53	38	et	et	PROPN
fsr-3162	53	39	al	al	PROPN
fsr-3162	53	40	.	.	PROPN
fsr-3162	53	41	,	,	PUNCT
fsr-3162	53	42	2019	2019	NUM
fsr-3162	53	43	)	)	PUNCT
fsr-3162	53	44	.	.	PUNCT
fsr-3162	54	1	schools	school	NOUN
fsr-3162	54	2	are	be	AUX
fsr-3162	54	3	also	also	ADV
fsr-3162	54	4	crucial	crucial	ADJ
fsr-3162	54	5	for	for	ADP
fsr-3162	54	6	financial	financial	ADJ
fsr-3162	54	7	socialization	socialization	NOUN
fsr-3162	54	8	by	by	ADP
fsr-3162	54	9	providing	provide	VERB
fsr-3162	54	10	structured	structured	ADJ
fsr-3162	54	11	curricula	curricula	NOUN
fsr-3162	54	12	or	or	CCONJ
fsr-3162	54	13	activities	activity	NOUN
fsr-3162	54	14	such	such	ADJ
fsr-3162	54	15	as	as	ADP
fsr-3162	54	16	reality	reality	NOUN
fsr-3162	54	17	fairs	fair	NOUN
fsr-3162	54	18	or	or	CCONJ
fsr-3162	54	19	savings	saving	NOUN
fsr-3162	54	20	-	-	PUNCT
fsr-3162	54	21	promotion	promotion	NOUN
fsr-3162	54	22	programs	program	NOUN
fsr-3162	54	23	.	.	PUNCT
fsr-3162	55	1	empirical	empirical	ADJ
fsr-3162	55	2	studies	study	NOUN
fsr-3162	55	3	use	use	VERB
fsr-3162	55	4	different	different	ADJ
fsr-3162	55	5	research	research	NOUN
fsr-3162	55	6	designs	design	NOUN
fsr-3162	55	7	to	to	PART
fsr-3162	55	8	investigate	investigate	VERB
fsr-3162	55	9	the	the	DET
fsr-3162	55	10	effect	effect	NOUN
fsr-3162	55	11	of	of	ADP
fsr-3162	55	12	financial	financial	ADJ
fsr-3162	55	13	education	education	NOUN
fsr-3162	55	14	on	on	ADP
fsr-3162	55	15	financial	financial	ADJ
fsr-3162	55	16	literacy	literacy	NOUN
fsr-3162	55	17	,	,	PUNCT
fsr-3162	55	18	attitudes	attitude	NOUN
fsr-3162	55	19	,	,	PUNCT
fsr-3162	55	20	or	or	CCONJ
fsr-3162	55	21	behaviors	behavior	NOUN
fsr-3162	55	22	.	.	PUNCT
fsr-3162	56	1	randomized	randomize	VERB
fsr-3162	56	2	controlled	control	VERB
fsr-3162	56	3	trials	trial	NOUN
fsr-3162	56	4	(	(	PUNCT
fsr-3162	56	5	rct	rct	PROPN
fsr-3162	56	6	)	)	PUNCT
fsr-3162	56	7	are	be	AUX
fsr-3162	56	8	ideal	ideal	ADJ
fsr-3162	56	9	for	for	ADP
fsr-3162	56	10	identifying	identify	VERB
fsr-3162	56	11	the	the	DET
fsr-3162	56	12	causal	causal	ADJ
fsr-3162	56	13	effects	effect	NOUN
fsr-3162	56	14	.	.	PUNCT
fsr-3162	57	1	for	for	ADP
fsr-3162	57	2	instance	instance	NOUN
fsr-3162	57	3	,	,	PUNCT
fsr-3162	57	4	frisancho	frisancho	NOUN
fsr-3162	57	5	(	(	PUNCT
fsr-3162	57	6	2018	2018	NUM
fsr-3162	57	7	)	)	PUNCT
fsr-3162	57	8	evaluated	evaluate	VERB
fsr-3162	57	9	the	the	DET
fsr-3162	57	10	impact	impact	NOUN
fsr-3162	57	11	of	of	ADP
fsr-3162	57	12	a	a	DET
fsr-3162	57	13	large	large	ADJ
fsr-3162	57	14	-	-	PUNCT
fsr-3162	57	15	scale	scale	NOUN
fsr-3162	57	16	school	school	NOUN
fsr-3162	57	17	-	-	PUNCT
fsr-3162	57	18	based	base	VERB
fsr-3162	57	19	financial	financial	ADJ
fsr-3162	57	20	education	education	NOUN
fsr-3162	57	21	and	and	CCONJ
fsr-3162	57	22	found	find	VERB
fsr-3162	57	23	that	that	SCONJ
fsr-3162	57	24	students	student	NOUN
fsr-3162	57	25	improved	improve	VERB
fsr-3162	57	26	financial	financial	ADJ
fsr-3162	57	27	knowledge	knowledge	NOUN
fsr-3162	57	28	,	,	PUNCT
fsr-3162	57	29	self	self	NOUN
fsr-3162	57	30	-	-	PUNCT
fsr-3162	57	31	control	control	NOUN
fsr-3162	57	32	,	,	PUNCT
fsr-3162	57	33	and	and	CCONJ
fsr-3162	57	34	consumption	consumption	NOUN
fsr-3162	57	35	habits	habit	NOUN
fsr-3162	57	36	,	,	PUNCT
fsr-3162	57	37	as	as	ADP
fsr-3162	57	38	of	of	ADP
fsr-3162	57	39	6;24	6;24	NUM
fsr-3162	57	40	months	month	NOUN
fsr-3162	57	41	postintervention	postintervention	NOUN
fsr-3162	57	42	.	.	PUNCT
fsr-3162	58	1	batty	batty	PROPN
fsr-3162	58	2	et	et	PROPN
fsr-3162	58	3	al	al	PROPN
fsr-3162	58	4	.	.	PROPN
fsr-3162	59	1	(	(	PUNCT
fsr-3162	59	2	2020	2020	NUM
fsr-3162	59	3	)	)	PUNCT
fsr-3162	59	4	reported	report	VERB
fsr-3162	59	5	that	that	SCONJ
fsr-3162	59	6	engaging	engage	VERB
fsr-3162	59	7	in	in	ADP
fsr-3162	59	8	an	an	DET
fsr-3162	59	9	experiential	experiential	ADJ
fsr-3162	59	10	economic	economic	ADJ
fsr-3162	59	11	program	program	NOUN
fsr-3162	59	12	(	(	PUNCT
fsr-3162	59	13	called	call	VERB
fsr-3162	59	14	my	my	PRON
fsr-3162	59	15	classroom	classroom	NOUN
fsr-3162	59	16	economy	economy	NOUN
fsr-3162	59	17	)	)	PUNCT
fsr-3162	59	18	improved	improve	VERB
fsr-3162	59	19	students	student	NOUN
fsr-3162	59	20	’	'	PUNCT
fsr-3162	59	21	financial	financial	ADJ
fsr-3162	59	22	knowledge	knowledge	NOUN
fsr-3162	59	23	of	of	ADP
fsr-3162	59	24	elementary	elementary	ADJ
fsr-3162	59	25	students	student	NOUN
fsr-3162	59	26	in	in	ADP
fsr-3162	59	27	the	the	DET
fsr-3162	59	28	united	united	PROPN
fsr-3162	59	29	states	states	PROPN
fsr-3162	59	30	.	.	PUNCT
fsr-3162	60	1	a	a	DET
fsr-3162	60	2	few	few	ADJ
fsr-3162	60	3	studies	study	NOUN
fsr-3162	60	4	have	have	AUX
fsr-3162	60	5	emerged	emerge	VERB
fsr-3162	60	6	applying	apply	VERB
fsr-3162	60	7	meta	meta	ADJ
fsr-3162	60	8	-	-	PUNCT
fsr-3162	60	9	analysis	analysis	NOUN
fsr-3162	60	10	on	on	ADP
fsr-3162	60	11	the	the	DET
fsr-3162	60	12	effects	effect	NOUN
fsr-3162	60	13	of	of	ADP
fsr-3162	60	14	financial	financial	ADJ
fsr-3162	60	15	education	education	NOUN
fsr-3162	60	16	.	.	PUNCT
fsr-3162	61	1	fernandes	fernandes	PROPN
fsr-3162	61	2	et	et	PROPN
fsr-3162	61	3	al	al	PROPN
fsr-3162	61	4	.	.	PROPN
fsr-3162	62	1	(	(	PUNCT
fsr-3162	62	2	2014	2014	NUM
fsr-3162	62	3	)	)	PUNCT
fsr-3162	62	4	covered	cover	VERB
fsr-3162	62	5	15	15	NUM
fsr-3162	62	6	previous	previous	ADJ
fsr-3162	62	7	rct	rct	PROPN
fsr-3162	62	8	studies	study	NOUN
fsr-3162	62	9	(	(	PUNCT
fsr-3162	62	10	up	up	ADP
fsr-3162	62	11	to	to	ADP
fsr-3162	62	12	2013	2013	NUM
fsr-3162	62	13	)	)	PUNCT
fsr-3162	62	14	,	,	PUNCT
fsr-3162	62	15	which	which	PRON
fsr-3162	62	16	showed	show	VERB
fsr-3162	62	17	no	no	DET
fsr-3162	62	18	significant	significant	ADJ
fsr-3162	62	19	effect	effect	NOUN
fsr-3162	62	20	,	,	PUNCT
fsr-3162	62	21	which	which	PRON
fsr-3162	62	22	is	be	AUX
fsr-3162	62	23	smaller	small	ADJ
fsr-3162	62	24	than	than	ADP
fsr-3162	62	25	that	that	PRON
fsr-3162	62	26	among	among	ADP
fsr-3162	62	27	correlational	correlational	ADJ
fsr-3162	62	28	studies	study	NOUN
fsr-3162	62	29	.	.	PUNCT
fsr-3162	63	1	another	another	DET
fsr-3162	63	2	meta	meta	ADJ
fsr-3162	63	3	-	-	PUNCT
fsr-3162	63	4	analysis	analysis	NOUN
fsr-3162	63	5	by	by	ADP
fsr-3162	63	6	miller	miller	PROPN
fsr-3162	63	7	(	(	PUNCT
fsr-3162	63	8	2015	2015	NUM
fsr-3162	63	9	)	)	PUNCT
fsr-3162	63	10	covered	cover	VERB
fsr-3162	63	11	studies	study	NOUN
fsr-3162	63	12	based	base	VERB
fsr-3162	63	13	on	on	ADP
fsr-3162	63	14	rct	rct	PROPN
fsr-3162	63	15	(	(	PUNCT
fsr-3162	63	16	up	up	ADP
fsr-3162	63	17	to	to	ADP
fsr-3162	63	18	2013	2013	NUM
fsr-3162	63	19	)	)	PUNCT
fsr-3162	63	20	and	and	CCONJ
fsr-3162	63	21	found	find	VERB
fsr-3162	63	22	similar	similar	ADJ
fsr-3162	63	23	results	result	NOUN
fsr-3162	63	24	—	—	PUNCT
fsr-3162	63	25	the	the	DET
fsr-3162	63	26	impact	impact	NOUN
fsr-3162	63	27	appears	appear	VERB
fsr-3162	63	28	limited	limit	VERB
fsr-3162	63	29	at	at	ADP
fsr-3162	63	30	best	good	ADJ
fsr-3162	63	31	in	in	ADP
fsr-3162	63	32	the	the	DET
fsr-3162	63	33	outcomes	outcome	NOUN
fsr-3162	63	34	such	such	ADJ
fsr-3162	63	35	as	as	ADP
fsr-3162	63	36	savings	saving	NOUN
fsr-3162	63	37	,	,	PUNCT
fsr-3162	63	38	credit	credit	NOUN
fsr-3162	63	39	performance	performance	NOUN
fsr-3162	63	40	,	,	PUNCT
fsr-3162	63	41	or	or	CCONJ
fsr-3162	63	42	financial	financial	ADJ
fsr-3162	63	43	knowledge	knowledge	NOUN
fsr-3162	63	44	.	.	PUNCT
fsr-3162	64	1	however	however	ADV
fsr-3162	64	2	,	,	PUNCT
fsr-3162	64	3	more	more	ADV
fsr-3162	64	4	recent	recent	ADJ
fsr-3162	64	5	meta	meta	ADJ
fsr-3162	64	6	-	-	PUNCT
fsr-3162	64	7	analyses	analysis	NOUN
fsr-3162	64	8	covering	cover	VERB
fsr-3162	64	9	a	a	DET
fsr-3162	64	10	more	more	ADV
fsr-3162	64	11	extensive	extensive	ADJ
fsr-3162	64	12	set	set	NOUN
fsr-3162	64	13	of	of	ADP
fsr-3162	64	14	studies	study	NOUN
fsr-3162	64	15	found	find	VERB
fsr-3162	64	16	an	an	DET
fsr-3162	64	17	overall	overall	ADJ
fsr-3162	64	18	positive	positive	ADJ
fsr-3162	64	19	result	result	NOUN
fsr-3162	64	20	.	.	PUNCT
fsr-3162	65	1	kaiser	kaiser	NOUN
fsr-3162	65	2	and	and	CCONJ
fsr-3162	65	3	menkhoff	menkhoff	PROPN
fsr-3162	65	4	(	(	PUNCT
fsr-3162	65	5	2020	2020	NUM
fsr-3162	65	6	)	)	PUNCT
fsr-3162	65	7	metaanalyzed	metaanalyze	VERB
fsr-3162	65	8	18	18	NUM
fsr-3162	65	9	previous	previous	ADJ
fsr-3162	65	10	rct	rct	PROPN
fsr-3162	65	11	studies	study	NOUN
fsr-3162	65	12	(	(	PUNCT
fsr-3162	65	13	up	up	ADP
fsr-3162	65	14	to	to	ADP
fsr-3162	65	15	2019	2019	NUM
fsr-3162	65	16	)	)	PUNCT
fsr-3162	65	17	on	on	ADP
fsr-3162	65	18	the	the	DET
fsr-3162	65	19	effect	effect	NOUN
fsr-3162	65	20	of	of	ADP
fsr-3162	65	21	school	school	NOUN
fsr-3162	65	22	-	-	PUNCT
fsr-3162	65	23	based	base	VERB
fsr-3162	65	24	education	education	NOUN
fsr-3162	65	25	intervention	intervention	NOUN
fsr-3162	65	26	,	,	PUNCT
fsr-3162	65	27	reporting	report	VERB
fsr-3162	65	28	significant	significant	ADJ
fsr-3162	65	29	and	and	CCONJ
fsr-3162	65	30	positive	positive	ADJ
fsr-3162	65	31	effect	effect	NOUN
fsr-3162	65	32	size	size	NOUN
fsr-3162	65	33	among	among	ADP
fsr-3162	65	34	students	student	NOUN
fsr-3162	65	35	in	in	ADP
fsr-3162	65	36	terms	term	NOUN
fsr-3162	65	37	of	of	ADP
fsr-3162	65	38	financial	financial	ADJ
fsr-3162	65	39	literacy	literacy	NOUN
fsr-3162	65	40	and	and	CCONJ
fsr-3162	65	41	some	some	DET
fsr-3162	65	42	financial	financial	ADJ
fsr-3162	65	43	behaviors	behavior	NOUN
fsr-3162	65	44	.	.	PUNCT
fsr-3162	66	1	another	another	DET
fsr-3162	66	2	meta	meta	ADJ
fsr-3162	66	3	-	-	PUNCT
fsr-3162	66	4	analysis	analysis	NOUN
fsr-3162	66	5	by	by	ADP
fsr-3162	66	6	kaiser	kaiser	PROPN
fsr-3162	66	7	et	et	PROPN
fsr-3162	66	8	al	al	PROPN
fsr-3162	66	9	.	.	PROPN
fsr-3162	67	1	(	(	PUNCT
fsr-3162	67	2	2021	2021	NUM
fsr-3162	67	3	)	)	PUNCT
fsr-3162	67	4	covered	cover	VERB
fsr-3162	67	5	a	a	DET
fsr-3162	67	6	larger	large	ADJ
fsr-3162	67	7	set	set	NOUN
fsr-3162	67	8	of	of	ADP
fsr-3162	67	9	rct	rct	PROPN
fsr-3162	67	10	previous	previous	ADJ
fsr-3162	67	11	studies	study	NOUN
fsr-3162	67	12	(=	(=	ADV
fsr-3162	67	13	76	76	NUM
fsr-3162	67	14	)	)	PUNCT
fsr-3162	67	15	up	up	ADP
fsr-3162	67	16	to	to	ADP
fsr-3162	67	17	2019	2019	NUM
fsr-3162	67	18	,	,	PUNCT
fsr-3162	67	19	which	which	PRON
fsr-3162	67	20	also	also	ADV
fsr-3162	67	21	include	include	VERB
fsr-3162	67	22	those	those	DET
fsr-3162	67	23	education	education	NOUN
fsr-3162	67	24	programs	program	NOUN
fsr-3162	67	25	outside	outside	ADP
fsr-3162	67	26	schools	school	NOUN
fsr-3162	67	27	,	,	PUNCT
fsr-3162	67	28	reported	report	VERB
fsr-3162	67	29	positive	positive	ADJ
fsr-3162	67	30	and	and	CCONJ
fsr-3162	67	31	positive	positive	ADJ
fsr-3162	67	32	effects	effect	NOUN
fsr-3162	67	33	size	size	NOUN
fsr-3162	67	34	in	in	ADP
fsr-3162	67	35	terms	term	NOUN
fsr-3162	67	36	of	of	ADP
fsr-3162	67	37	financial	financial	ADJ
fsr-3162	67	38	literacy	literacy	NOUN
fsr-3162	67	39	and	and	CCONJ
fsr-3162	67	40	some	some	DET
fsr-3162	67	41	financial	financial	ADJ
fsr-3162	67	42	behaviors	behavior	NOUN
fsr-3162	67	43	,	,	PUNCT
fsr-3162	67	44	particularly	particularly	ADV
fsr-3162	67	45	budgeting	budgeting	ADJ
fsr-3162	67	46	,	,	PUNCT
fsr-3162	67	47	saving	saving	NOUN
fsr-3162	67	48	and	and	CCONJ
fsr-3162	67	49	investing	investing	NOUN
fsr-3162	67	50	.	.	PUNCT
fsr-3162	68	1	the	the	DET
fsr-3162	68	2	latter	latter	ADJ
fsr-3162	68	3	two	two	NUM
fsr-3162	68	4	studies	study	NOUN
fsr-3162	68	5	compiled	compile	VERB
fsr-3162	68	6	a	a	DET
fsr-3162	68	7	more	more	ADV
fsr-3162	68	8	significant	significant	ADJ
fsr-3162	68	9	effect	effect	NOUN
fsr-3162	68	10	on	on	ADP
fsr-3162	68	11	financial	financial	ADJ
fsr-3162	68	12	literacy	literacy	NOUN
fsr-3162	68	13	than	than	ADP
fsr-3162	68	14	financial	financial	ADJ
fsr-3162	68	15	behaviors	behavior	NOUN
fsr-3162	68	16	.	.	PUNCT
fsr-3162	69	1	they	they	PRON
fsr-3162	69	2	also	also	ADV
fsr-3162	69	3	found	find	VERB
fsr-3162	69	4	that	that	SCONJ
fsr-3162	69	5	financial	financial	ADJ
fsr-3162	69	6	education	education	NOUN
fsr-3162	69	7	is	be	AUX
fsr-3162	69	8	less	less	ADV
fsr-3162	69	9	effective	effective	ADJ
fsr-3162	69	10	for	for	ADP
fsr-3162	69	11	some	some	DET
fsr-3162	69	12	specific	specific	ADJ
fsr-3162	69	13	behaviors	behavior	NOUN
fsr-3162	69	14	,	,	PUNCT
fsr-3162	69	15	such	such	ADJ
fsr-3162	69	16	as	as	ADP
fsr-3162	69	17	handling	handle	VERB
fsr-3162	69	18	debt	debt	NOUN
fsr-3162	69	19	.	.	PUNCT
fsr-3162	70	1	in	in	ADP
fsr-3162	70	2	addition	addition	NOUN
fsr-3162	70	3	to	to	ADP
fsr-3162	70	4	rct	rct	PROPN
fsr-3162	70	5	,	,	PUNCT
fsr-3162	70	6	meta	meta	X
fsr-3162	70	7	-	-	PUNCT
fsr-3162	70	8	analyses	analysis	NOUN
fsr-3162	70	9	by	by	ADP
fsr-3162	70	10	kaiser	kaiser	PROPN
fsr-3162	70	11	and	and	CCONJ
fsr-3162	70	12	menkhoff	menkhoff	PROPN
fsr-3162	70	13	(	(	PUNCT
fsr-3162	70	14	2017	2017	NUM
fsr-3162	70	15	,	,	PUNCT
fsr-3162	70	16	2020	2020	NUM
fsr-3162	70	17	)	)	PUNCT
fsr-3162	70	18	also	also	ADV
fsr-3162	70	19	investigated	investigate	VERB
fsr-3162	70	20	studies	study	NOUN
fsr-3162	70	21	on	on	ADP
fsr-3162	70	22	nonrandom	nonrandom	NOUN
fsr-3162	70	23	participants	participant	NOUN
fsr-3162	70	24	of	of	ADP
fsr-3162	70	25	some	some	DET
fsr-3162	70	26	sort	sort	NOUN
fsr-3162	70	27	of	of	ADP
fsr-3162	70	28	educational	educational	ADJ
fsr-3162	70	29	program	program	NOUN
fsr-3162	70	30	,	,	PUNCT
fsr-3162	70	31	finding	find	VERB
fsr-3162	70	32	positive	positive	ADJ
fsr-3162	70	33	effects	effect	NOUN
fsr-3162	70	34	on	on	ADP
fsr-3162	70	35	financial	financial	ADJ
fsr-3162	70	36	literacy	literacy	NOUN
fsr-3162	70	37	and	and	CCONJ
fsr-3162	70	38	behaviors	behavior	NOUN
fsr-3162	70	39	.	.	PUNCT
fsr-3162	71	1	there	there	PRON
fsr-3162	71	2	also	also	ADV
fsr-3162	71	3	exist	exist	VERB
fsr-3162	71	4	empirical	empirical	ADJ
fsr-3162	71	5	studies	study	NOUN
fsr-3162	71	6	based	base	VERB
fsr-3162	71	7	on	on	ADP
fsr-3162	71	8	observational	observational	ADJ
fsr-3162	71	9	data	datum	NOUN
fsr-3162	71	10	,	,	PUNCT
fsr-3162	71	11	using	use	VERB
fsr-3162	71	12	natural	natural	ADJ
fsr-3162	71	13	or	or	CCONJ
fsr-3162	71	14	quasiexperiments	quasiexperiment	NOUN
fsr-3162	71	15	and	and	CCONJ
fsr-3162	71	16	surveying	surveying	NOUN
fsr-3162	71	17	.	.	PUNCT
fsr-3162	72	1	for	for	ADP
fsr-3162	72	2	instance	instance	NOUN
fsr-3162	72	3	,	,	PUNCT
fsr-3162	72	4	among	among	ADP
fsr-3162	72	5	the	the	DET
fsr-3162	72	6	37	37	NUM
fsr-3162	72	7	previous	previous	ADJ
fsr-3162	72	8	studies	study	NOUN
fsr-3162	72	9	covered	cover	VERB
fsr-3162	72	10	by	by	ADP
fsr-3162	72	11	kaiser	kaiser	PROPN
fsr-3162	72	12	and	and	CCONJ
fsr-3162	72	13	menkhoff	menkhoff	PROPN
fsr-3162	72	14	(	(	PUNCT
fsr-3162	72	15	2020	2020	NUM
fsr-3162	72	16	)	)	PUNCT
fsr-3162	72	17	for	for	ADP
fsr-3162	72	18	their	their	PRON
fsr-3162	72	19	meta	meta	NOUN
fsr-3162	72	20	-	-	PUNCT
fsr-3162	72	21	analyses	analysis	NOUN
fsr-3162	72	22	,	,	PUNCT
fsr-3162	72	23	19	19	NUM
fsr-3162	72	24	used	use	VERB
fsr-3162	72	25	a	a	DET
fsr-3162	72	26	nonrandom	nonrandom	NOUN
fsr-3162	72	27	design	design	NOUN
fsr-3162	72	28	method	method	NOUN
fsr-3162	72	29	(	(	PUNCT
fsr-3162	72	30	with	with	ADP
fsr-3162	72	31	the	the	DET
fsr-3162	72	32	remaining	remain	VERB
fsr-3162	72	33	18	18	NUM
fsr-3162	72	34	rcts	rct	NOUN
fsr-3162	72	35	)	)	PUNCT
fsr-3162	72	36	.	.	PUNCT
fsr-3162	73	1	such	such	ADJ
fsr-3162	73	2	studies	study	NOUN
fsr-3162	73	3	have	have	VERB
fsr-3162	73	4	more	more	ADJ
fsr-3162	73	5	flexibility	flexibility	NOUN
fsr-3162	73	6	in	in	ADP
fsr-3162	73	7	the	the	DET
fsr-3162	73	8	investigated	investigate	VERB
fsr-3162	73	9	outcomes	outcome	NOUN
fsr-3162	73	10	and	and	CCONJ
fsr-3162	73	11	more	more	ADV
fsr-3162	73	12	prolonged	prolonged	ADJ
fsr-3162	73	13	effects	effect	NOUN
fsr-3162	73	14	of	of	ADP
fsr-3162	73	15	financial	financial	ADJ
fsr-3162	73	16	education	education	NOUN
fsr-3162	73	17	while	while	SCONJ
fsr-3162	73	18	also	also	ADV
fsr-3162	73	19	being	be	AUX
fsr-3162	73	20	subject	subject	ADJ
fsr-3162	73	21	to	to	ADP
fsr-3162	73	22	endogeneity	endogeneity	NOUN
fsr-3162	73	23	.	.	PUNCT
fsr-3162	74	1	it	it	PRON
fsr-3162	74	2	requires	require	VERB
fsr-3162	74	3	caution	caution	NOUN
fsr-3162	74	4	when	when	SCONJ
fsr-3162	74	5	interpreting	interpret	VERB
fsr-3162	74	6	the	the	DET
fsr-3162	74	7	results	result	NOUN
fsr-3162	74	8	from	from	ADP
fsr-3162	74	9	observational	observational	ADJ
fsr-3162	74	10	data	datum	NOUN
fsr-3162	74	11	.	.	PUNCT
fsr-3162	75	1	one	one	NUM
fsr-3162	75	2	strand	strand	NOUN
fsr-3162	75	3	of	of	ADP
fsr-3162	75	4	research	research	NOUN
fsr-3162	75	5	using	use	VERB
fsr-3162	75	6	quasi	quasi	NOUN
fsr-3162	75	7	-	-	NOUN
fsr-3162	75	8	experiments	experiment	NOUN
fsr-3162	75	9	assessed	assess	VERB
fsr-3162	75	10	the	the	DET
fsr-3162	75	11	effect	effect	NOUN
fsr-3162	75	12	of	of	ADP
fsr-3162	75	13	financial	financial	ADJ
fsr-3162	75	14	education	education	NOUN
fsr-3162	75	15	by	by	ADP
fsr-3162	75	16	using	use	VERB
fsr-3162	75	17	the	the	DET
fsr-3162	75	18	variation	variation	NOUN
fsr-3162	75	19	in	in	ADP
fsr-3162	75	20	u.s	u.s	PROPN
fsr-3162	75	21	.	.	PROPN
fsr-3162	75	22	high	high	ADJ
fsr-3162	75	23	school	school	NOUN
fsr-3162	75	24	mandates	mandate	NOUN
fsr-3162	75	25	across	across	ADP
fsr-3162	75	26	different	different	ADJ
fsr-3162	75	27	states	state	NOUN
fsr-3162	75	28	.	.	PUNCT
fsr-3162	76	1	for	for	ADP
fsr-3162	76	2	instance	instance	NOUN
fsr-3162	76	3	,	,	PUNCT
fsr-3162	76	4	29	29	NUM
fsr-3162	76	5	states	state	NOUN
fsr-3162	76	6	mandated	mandate	VERB
fsr-3162	76	7	some	some	DET
fsr-3162	76	8	form	form	NOUN
fsr-3162	76	9	of	of	ADP
fsr-3162	76	10	consumer	consumer	NOUN
fsr-3162	76	11	education	education	NOUN
fsr-3162	76	12	in	in	ADP
fsr-3162	76	13	secondary	secondary	ADJ
fsr-3162	76	14	schools	school	NOUN
fsr-3162	76	15	between	between	ADP
fsr-3162	76	16	1957	1957	NUM
fsr-3162	76	17	and	and	CCONJ
fsr-3162	76	18	1985	1985	NUM
fsr-3162	76	19	to	to	PART
fsr-3162	76	20	prepare	prepare	VERB
fsr-3162	76	21	students	student	NOUN
fsr-3162	76	22	with	with	ADP
fsr-3162	76	23	practical	practical	ADJ
fsr-3162	76	24	and	and	CCONJ
fsr-3162	76	25	useful	useful	ADJ
fsr-3162	76	26	decision	decision	NOUN
fsr-3162	76	27	-	-	PUNCT
fsr-3162	76	28	making	making	NOUN
fsr-3162	76	29	skills	skill	NOUN
fsr-3162	76	30	in	in	ADP
fsr-3162	76	31	financial	financial	ADJ
fsr-3162	76	32	matters	matter	NOUN
fsr-3162	76	33	.	.	PUNCT
fsr-3162	77	1	bernheim	bernheim	PROPN
fsr-3162	77	2	et	et	PROPN
fsr-3162	77	3	al	al	PROPN
fsr-3162	77	4	.	.	PROPN
fsr-3162	78	1	(	(	PUNCT
fsr-3162	78	2	2001	2001	NUM
fsr-3162	78	3	)	)	PUNCT
fsr-3162	78	4	found	find	VERB
fsr-3162	78	5	that	that	SCONJ
fsr-3162	78	6	these	these	DET
fsr-3162	78	7	mandates	mandate	NOUN
fsr-3162	78	8	had	have	VERB
fsr-3162	78	9	a	a	DET
fsr-3162	78	10	high	high	ADJ
fsr-3162	78	11	positive	positive	ADJ
fsr-3162	78	12	impact	impact	NOUN
fsr-3162	78	13	on	on	ADP
fsr-3162	78	14	saving	save	VERB
fsr-3162	78	15	rates	rate	NOUN
fsr-3162	78	16	and	and	CCONJ
fsr-3162	78	17	wealth	wealth	NOUN
fsr-3162	78	18	accumulation	accumulation	NOUN
fsr-3162	78	19	during	during	ADP
fsr-3162	78	20	adulthood	adulthood	NOUN
fsr-3162	78	21	as	as	ADP
fsr-3162	78	22	of	of	ADP
fsr-3162	78	23	1995	1995	NUM
fsr-3162	78	24	.	.	PUNCT
fsr-3162	79	1	interestingly	interestingly	ADV
fsr-3162	79	2	,	,	PUNCT
fsr-3162	79	3	cole	cole	PROPN
fsr-3162	79	4	et	et	PROPN
fsr-3162	79	5	al	al	PROPN
fsr-3162	79	6	.	.	PUNCT
fsr-3162	80	1	(	(	PUNCT
fsr-3162	80	2	2016	2016	NUM
fsr-3162	80	3	)	)	PUNCT
fsr-3162	80	4	showed	show	VERB
fsr-3162	80	5	that	that	SCONJ
fsr-3162	80	6	these	these	DET
fsr-3162	80	7	programs	program	NOUN
fsr-3162	80	8	did	do	AUX
fsr-3162	80	9	not	not	PART
fsr-3162	80	10	improve	improve	VERB
fsr-3162	80	11	savings	saving	NOUN
fsr-3162	80	12	,	,	PUNCT
fsr-3162	80	13	using	use	VERB
fsr-3162	80	14	a	a	DET
fsr-3162	80	15	much	much	ADV
fsr-3162	80	16	larger	large	ADJ
fsr-3162	80	17	sample	sample	NOUN
fsr-3162	80	18	and	and	CCONJ
fsr-3162	80	19	a	a	DET
fsr-3162	80	20	300	300	NUM
fsr-3162	80	21	t.-m	t.-m	NOUN
fsr-3162	80	22	.	.	PUNCT
fsr-3162	81	1	yeh	yeh	PROPN
fsr-3162	81	2	/	/	SYM
fsr-3162	81	3	financial	financial	ADJ
fsr-3162	81	4	services	service	NOUN
fsr-3162	81	5	review	review	VERB
fsr-3162	81	6	30	30	NUM
fsr-3162	81	7	(	(	PUNCT
fsr-3162	81	8	2022	2022	NUM
fsr-3162	81	9	)	)	PUNCT
fsr-3162	82	1	297–320	297–320	NUM
fsr-3162	82	2	more	more	ADV
fsr-3162	82	3	flexible	flexible	ADJ
fsr-3162	82	4	specification	specification	NOUN
fsr-3162	82	5	.	.	PUNCT
fsr-3162	83	1	they	they	PRON
fsr-3162	83	2	suggested	suggest	VERB
fsr-3162	83	3	a	a	DET
fsr-3162	83	4	possible	possible	ADJ
fsr-3162	83	5	endogeneity	endogeneity	NOUN
fsr-3162	83	6	explanation	explanation	NOUN
fsr-3162	83	7	—	—	PUNCT
fsr-3162	83	8	those	those	DET
fsr-3162	83	9	states	state	NOUN
fsr-3162	83	10	had	have	AUX
fsr-3162	83	11	imposed	impose	VERB
fsr-3162	83	12	mandates	mandate	NOUN
fsr-3162	83	13	during	during	ADP
fsr-3162	83	14	rapid	rapid	ADJ
fsr-3162	83	15	economic	economic	ADJ
fsr-3162	83	16	growth	growth	NOUN
fsr-3162	83	17	periods	period	NOUN
fsr-3162	83	18	,	,	PUNCT
fsr-3162	83	19	which	which	PRON
fsr-3162	83	20	might	might	AUX
fsr-3162	83	21	have	have	AUX
fsr-3162	83	22	explained	explain	VERB
fsr-3162	83	23	the	the	DET
fsr-3162	83	24	higher	high	ADJ
fsr-3162	83	25	savings	saving	NOUN
fsr-3162	83	26	behavior	behavior	NOUN
fsr-3162	83	27	of	of	ADP
fsr-3162	83	28	concurrent	concurrent	ADJ
fsr-3162	83	29	graduates	graduate	NOUN
fsr-3162	83	30	.	.	PUNCT
fsr-3162	84	1	however	however	ADV
fsr-3162	84	2	,	,	PUNCT
fsr-3162	84	3	more	more	ADV
fsr-3162	84	4	recent	recent	ADJ
fsr-3162	84	5	studies	study	NOUN
fsr-3162	84	6	did	do	AUX
fsr-3162	84	7	find	find	VERB
fsr-3162	84	8	that	that	SCONJ
fsr-3162	84	9	financial	financial	ADJ
fsr-3162	84	10	education	education	NOUN
fsr-3162	84	11	mandates	mandate	NOUN
fsr-3162	84	12	reduced	reduce	VERB
fsr-3162	84	13	defaults	default	NOUN
fsr-3162	84	14	and	and	CCONJ
fsr-3162	84	15	higher	high	ADJ
fsr-3162	84	16	credit	credit	NOUN
fsr-3162	84	17	scores	score	NOUN
fsr-3162	84	18	among	among	ADP
fsr-3162	84	19	young	young	ADJ
fsr-3162	84	20	adults	adult	NOUN
fsr-3162	84	21	(	(	PUNCT
fsr-3162	84	22	urban	urban	PROPN
fsr-3162	84	23	et	et	PROPN
fsr-3162	84	24	al	al	PROPN
fsr-3162	84	25	.	.	PROPN
fsr-3162	84	26	,	,	PUNCT
fsr-3162	84	27	2020	2020	NUM
fsr-3162	84	28	)	)	PUNCT
fsr-3162	84	29	,	,	PUNCT
fsr-3162	84	30	reduced	reduce	VERB
fsr-3162	84	31	the	the	DET
fsr-3162	84	32	likelihood	likelihood	NOUN
fsr-3162	84	33	and	and	CCONJ
fsr-3162	84	34	frequency	frequency	NOUN
fsr-3162	84	35	of	of	ADP
fsr-3162	84	36	payday	payday	NOUN
fsr-3162	84	37	borrowing	borrowing	NOUN
fsr-3162	84	38	among	among	ADP
fsr-3162	84	39	young	young	ADJ
fsr-3162	84	40	adults	adult	NOUN
fsr-3162	84	41	(	(	PUNCT
fsr-3162	84	42	harvey	harvey	NOUN
fsr-3162	84	43	,	,	PUNCT
fsr-3162	84	44	2019a	2019a	NUM
fsr-3162	84	45	)	)	PUNCT
fsr-3162	84	46	,	,	PUNCT
fsr-3162	84	47	and	and	CCONJ
fsr-3162	84	48	increased	increase	VERB
fsr-3162	84	49	bank	bank	PROPN
fsr-3162	84	50	account	account	NOUN
fsr-3162	84	51	ownership	ownership	NOUN
fsr-3162	84	52	among	among	ADP
fsr-3162	84	53	young	young	ADJ
fsr-3162	84	54	adults	adult	NOUN
fsr-3162	84	55	with	with	ADP
fsr-3162	84	56	lower	low	ADJ
fsr-3162	84	57	educational	educational	ADJ
fsr-3162	84	58	credentials	credential	NOUN
fsr-3162	84	59	,	,	PUNCT
fsr-3162	84	60	while	while	SCONJ
fsr-3162	84	61	,	,	PUNCT
fsr-3162	84	62	overall	overall	ADV
fsr-3162	84	63	,	,	PUNCT
fsr-3162	84	64	having	have	VERB
fsr-3162	84	65	no	no	DET
fsr-3162	84	66	effect	effect	NOUN
fsr-3162	84	67	no	no	DET
fsr-3162	84	68	bank	bank	NOUN
fsr-3162	84	69	account	account	NOUN
fsr-3162	84	70	ownership	ownership	NOUN
fsr-3162	84	71	and	and	CCONJ
fsr-3162	84	72	propensity	propensity	NOUN
fsr-3162	84	73	to	to	PART
fsr-3162	84	74	save	save	VERB
fsr-3162	84	75	(	(	PUNCT
fsr-3162	84	76	harvey	harvey	NOUN
fsr-3162	84	77	,	,	PUNCT
fsr-3162	84	78	2019b	2019b	NUM
fsr-3162	84	79	)	)	PUNCT
fsr-3162	84	80	.	.	PUNCT
fsr-3162	85	1	burke	burke	PROPN
fsr-3162	85	2	et	et	PROPN
fsr-3162	85	3	al	al	PROPN
fsr-3162	85	4	.	.	PROPN
fsr-3162	85	5	(	(	PUNCT
fsr-3162	85	6	2020	2020	NUM
fsr-3162	85	7	)	)	PUNCT
fsr-3162	85	8	also	also	ADV
fsr-3162	85	9	reported	report	VERB
fsr-3162	85	10	that	that	SCONJ
fsr-3162	85	11	state	state	NOUN
fsr-3162	85	12	-	-	PUNCT
fsr-3162	85	13	mandated	mandate	VERB
fsr-3162	85	14	financial	financial	ADJ
fsr-3162	85	15	education	education	NOUN
fsr-3162	85	16	improves	improve	VERB
fsr-3162	85	17	financial	financial	ADJ
fsr-3162	85	18	well	well	NOUN
fsr-3162	85	19	-	-	PUNCT
fsr-3162	85	20	being	being	NOUN
fsr-3162	85	21	,	,	PUNCT
fsr-3162	85	22	primarily	primarily	ADV
fsr-3162	85	23	accruing	accrue	VERB
fsr-3162	85	24	to	to	ADP
fsr-3162	85	25	men	man	NOUN
fsr-3162	85	26	and	and	CCONJ
fsr-3162	85	27	those	those	PRON
fsr-3162	85	28	with	with	ADP
fsr-3162	85	29	college	college	NOUN
fsr-3162	85	30	degrees	degree	NOUN
fsr-3162	85	31	.	.	PUNCT
fsr-3162	86	1	aside	aside	ADV
fsr-3162	86	2	from	from	ADP
fsr-3162	86	3	quasi	quasi	ADJ
fsr-3162	86	4	-	-	ADJ
fsr-3162	86	5	experimental	experimental	ADJ
fsr-3162	86	6	studies	study	NOUN
fsr-3162	86	7	,	,	PUNCT
fsr-3162	86	8	empirical	empirical	ADJ
fsr-3162	86	9	studies	study	NOUN
fsr-3162	86	10	rely	rely	VERB
fsr-3162	86	11	on	on	ADP
fsr-3162	86	12	large	large	ADJ
fsr-3162	86	13	-	-	PUNCT
fsr-3162	86	14	scale	scale	NOUN
fsr-3162	86	15	survey	survey	NOUN
fsr-3162	86	16	data	datum	NOUN
fsr-3162	86	17	,	,	PUNCT
fsr-3162	86	18	particularly	particularly	ADV
fsr-3162	86	19	in	in	ADP
fsr-3162	86	20	the	the	DET
fsr-3162	86	21	literature	literature	NOUN
fsr-3162	86	22	on	on	ADP
fsr-3162	86	23	the	the	DET
fsr-3162	86	24	association	association	NOUN
fsr-3162	86	25	between	between	ADP
fsr-3162	86	26	financial	financial	ADJ
fsr-3162	86	27	literacy	literacy	NOUN
fsr-3162	86	28	and	and	CCONJ
fsr-3162	86	29	financial	financial	ADJ
fsr-3162	86	30	behaviors	behavior	NOUN
fsr-3162	86	31	.	.	PUNCT
fsr-3162	87	1	these	these	DET
fsr-3162	87	2	surveys	survey	NOUN
fsr-3162	87	3	contain	contain	VERB
fsr-3162	87	4	financial	financial	ADJ
fsr-3162	87	5	knowledge	knowledge	NOUN
fsr-3162	87	6	-	-	PUNCT
fsr-3162	87	7	related	relate	VERB
fsr-3162	87	8	questions	question	NOUN
fsr-3162	87	9	used	use	VERB
fsr-3162	87	10	to	to	PART
fsr-3162	87	11	measure	measure	VERB
fsr-3162	87	12	one	one	NUM
fsr-3162	87	13	’s	’s	PART
fsr-3162	87	14	financial	financial	ADJ
fsr-3162	87	15	literacy	literacy	NOUN
fsr-3162	87	16	level	level	NOUN
fsr-3162	87	17	.	.	PUNCT
fsr-3162	88	1	some	some	DET
fsr-3162	88	2	large	large	ADJ
fsr-3162	88	3	-	-	PUNCT
fsr-3162	88	4	scale	scale	NOUN
fsr-3162	88	5	survey	survey	NOUN
fsr-3162	88	6	contains	contain	VERB
fsr-3162	88	7	questions	question	NOUN
fsr-3162	88	8	about	about	ADP
fsr-3162	88	9	one	one	NUM
fsr-3162	88	10	’s	’s	PART
fsr-3162	88	11	financial	financial	ADJ
fsr-3162	88	12	experiences	experience	NOUN
fsr-3162	88	13	and	and	CCONJ
fsr-3162	88	14	financial	financial	ADJ
fsr-3162	88	15	education	education	NOUN
fsr-3162	88	16	during	during	ADP
fsr-3162	88	17	childhood	childhood	NOUN
fsr-3162	88	18	or	or	CCONJ
fsr-3162	88	19	adolescence	adolescence	NOUN
fsr-3162	88	20	.	.	PUNCT
fsr-3162	89	1	such	such	ADJ
fsr-3162	89	2	surveys	survey	NOUN
fsr-3162	89	3	complement	complement	VERB
fsr-3162	89	4	the	the	DET
fsr-3162	89	5	literature	literature	NOUN
fsr-3162	89	6	on	on	ADP
fsr-3162	89	7	the	the	DET
fsr-3162	89	8	roles	role	NOUN
fsr-3162	89	9	of	of	ADP
fsr-3162	89	10	financial	financial	ADJ
fsr-3162	89	11	socialization	socialization	NOUN
fsr-3162	89	12	within	within	ADP
fsr-3162	89	13	the	the	DET
fsr-3162	89	14	family	family	NOUN
fsr-3162	89	15	,	,	PUNCT
fsr-3162	89	16	as	as	SCONJ
fsr-3162	89	17	it	it	PRON
fsr-3162	89	18	is	be	AUX
fsr-3162	89	19	harder	hard	ADJ
fsr-3162	89	20	to	to	PART
fsr-3162	89	21	implement	implement	VERB
fsr-3162	89	22	rct	rct	PROPN
fsr-3162	89	23	or	or	CCONJ
fsr-3162	89	24	quasi	quasi	NOUN
fsr-3162	89	25	-	-	NOUN
fsr-3162	89	26	experiments	experiment	NOUN
fsr-3162	89	27	on	on	ADP
fsr-3162	89	28	activities	activity	NOUN
fsr-3162	89	29	within	within	ADP
fsr-3162	89	30	the	the	DET
fsr-3162	89	31	family	family	NOUN
fsr-3162	89	32	.	.	PUNCT
fsr-3162	90	1	results	result	NOUN
fsr-3162	90	2	based	base	VERB
fsr-3162	90	3	on	on	ADP
fsr-3162	90	4	the	the	DET
fsr-3162	90	5	survey	survey	NOUN
fsr-3162	90	6	have	have	AUX
fsr-3162	90	7	,	,	PUNCT
fsr-3162	90	8	in	in	ADP
fsr-3162	90	9	general	general	ADJ
fsr-3162	90	10	,	,	PUNCT
fsr-3162	90	11	reported	report	VERB
fsr-3162	90	12	a	a	DET
fsr-3162	90	13	positive	positive	ADJ
fsr-3162	90	14	relationship	relationship	NOUN
fsr-3162	90	15	between	between	ADP
fsr-3162	90	16	financial	financial	ADJ
fsr-3162	90	17	socialization	socialization	NOUN
fsr-3162	90	18	during	during	ADP
fsr-3162	90	19	childhood	childhood	NOUN
fsr-3162	90	20	or	or	CCONJ
fsr-3162	90	21	adolescence	adolescence	NOUN
fsr-3162	90	22	and	and	CCONJ
fsr-3162	90	23	financial	financial	ADJ
fsr-3162	90	24	behaviors	behavior	NOUN
fsr-3162	90	25	at	at	ADP
fsr-3162	90	26	a	a	DET
fsr-3162	90	27	later	later	ADJ
fsr-3162	90	28	stage	stage	NOUN
fsr-3162	90	29	.	.	PUNCT
fsr-3162	91	1	for	for	ADP
fsr-3162	91	2	instance	instance	NOUN
fsr-3162	91	3	,	,	PUNCT
fsr-3162	91	4	ashby	ashby	PROPN
fsr-3162	91	5	et	et	PROPN
fsr-3162	91	6	al	al	PROPN
fsr-3162	91	7	.	.	PROPN
fsr-3162	92	1	(	(	PUNCT
fsr-3162	92	2	2011	2011	NUM
fsr-3162	92	3	)	)	PUNCT
fsr-3162	92	4	investigated	investigate	VERB
fsr-3162	92	5	data	datum	NOUN
fsr-3162	92	6	from	from	ADP
fsr-3162	92	7	a	a	DET
fsr-3162	92	8	national	national	ADJ
fsr-3162	92	9	survey	survey	NOUN
fsr-3162	92	10	in	in	ADP
fsr-3162	92	11	the	the	DET
fsr-3162	92	12	united	united	ADJ
fsr-3162	92	13	kingdom	kingdom	PROPN
fsr-3162	92	14	,	,	PUNCT
fsr-3162	92	15	finding	find	VERB
fsr-3162	92	16	that	that	SCONJ
fsr-3162	92	17	adults	adult	NOUN
fsr-3162	92	18	are	be	AUX
fsr-3162	92	19	more	more	ADV
fsr-3162	92	20	likely	likely	ADJ
fsr-3162	92	21	to	to	PART
fsr-3162	92	22	save	save	VERB
fsr-3162	92	23	when	when	SCONJ
fsr-3162	92	24	they	they	PRON
fsr-3162	92	25	had	have	AUX
fsr-3162	92	26	saved	save	VERB
fsr-3162	92	27	at	at	ADP
fsr-3162	92	28	age	age	NOUN
fsr-3162	92	29	16	16	NUM
fsr-3162	92	30	.	.	PUNCT
fsr-3162	93	1	in	in	ADP
fsr-3162	93	2	addition	addition	NOUN
fsr-3162	93	3	,	,	PUNCT
fsr-3162	93	4	saving	save	VERB
fsr-3162	93	5	in	in	ADP
fsr-3162	93	6	adulthood	adulthood	NOUN
fsr-3162	93	7	is	be	AUX
fsr-3162	93	8	not	not	PART
fsr-3162	93	9	related	relate	VERB
fsr-3162	93	10	to	to	ADP
fsr-3162	93	11	their	their	PRON
fsr-3162	93	12	receiving	receive	VERB
fsr-3162	93	13	pocket	pocket	NOUN
fsr-3162	93	14	money	money	NOUN
fsr-3162	93	15	from	from	ADP
fsr-3162	93	16	parents	parent	NOUN
fsr-3162	93	17	or	or	CCONJ
fsr-3162	93	18	relatives	relative	NOUN
fsr-3162	93	19	during	during	ADP
fsr-3162	93	20	adolescence	adolescence	NOUN
fsr-3162	93	21	.	.	PUNCT
fsr-3162	94	1	however	however	ADV
fsr-3162	94	2	,	,	PUNCT
fsr-3162	94	3	sansone	sansone	PROPN
fsr-3162	94	4	et	et	PROPN
fsr-3162	94	5	al	al	PROPN
fsr-3162	94	6	.	.	PROPN
fsr-3162	95	1	(	(	PUNCT
fsr-3162	95	2	2019	2019	NUM
fsr-3162	95	3	)	)	PUNCT
fsr-3162	95	4	reported	report	VERB
fsr-3162	95	5	that	that	SCONJ
fsr-3162	95	6	dutch	dutch	ADJ
fsr-3162	95	7	adults	adult	NOUN
fsr-3162	95	8	displayed	display	VERB
fsr-3162	95	9	greater	great	ADJ
fsr-3162	95	10	inflation	inflation	NOUN
fsr-3162	95	11	-	-	PUNCT
fsr-3162	95	12	related	relate	VERB
fsr-3162	95	13	knowledge	knowledge	NOUN
fsr-3162	95	14	and	and	CCONJ
fsr-3162	95	15	self	self	NOUN
fsr-3162	95	16	-	-	PUNCT
fsr-3162	95	17	assessed	assess	VERB
fsr-3162	95	18	financial	financial	ADJ
fsr-3162	95	19	literacy	literacy	NOUN
fsr-3162	95	20	if	if	SCONJ
fsr-3162	95	21	they	they	PRON
fsr-3162	95	22	reported	report	VERB
fsr-3162	95	23	receiving	receive	VERB
fsr-3162	95	24	pocket	pocket	NOUN
fsr-3162	95	25	money	money	NOUN
fsr-3162	95	26	between	between	ADP
fsr-3162	95	27	8	8	NUM
fsr-3162	95	28	and	and	CCONJ
fsr-3162	95	29	12	12	NUM
fsr-3162	95	30	years	year	NOUN
fsr-3162	95	31	of	of	ADP
fsr-3162	95	32	age	age	NOUN
fsr-3162	95	33	or	or	CCONJ
fsr-3162	95	34	being	be	AUX
fsr-3162	95	35	taught	teach	VERB
fsr-3162	95	36	how	how	SCONJ
fsr-3162	95	37	to	to	PART
fsr-3162	95	38	run	run	VERB
fsr-3162	95	39	a	a	DET
fsr-3162	95	40	budget	budget	NOUN
fsr-3162	95	41	to	to	PART
fsr-3162	95	42	save	save	VERB
fsr-3162	95	43	between	between	ADP
fsr-3162	95	44	12	12	NUM
fsr-3162	95	45	and	and	CCONJ
fsr-3162	95	46	16	16	NUM
fsr-3162	95	47	.	.	PUNCT
fsr-3162	96	1	furthermore	furthermore	ADV
fsr-3162	96	2	,	,	PUNCT
fsr-3162	96	3	grinstein	grinstein	NOUN
fsr-3162	96	4	-	-	PUNCT
fsr-3162	96	5	weiss	weiss	NOUN
fsr-3162	96	6	et	et	PROPN
fsr-3162	96	7	al	al	PROPN
fsr-3162	96	8	.	.	PUNCT
fsr-3162	96	9	(	(	PUNCT
fsr-3162	96	10	2011	2011	NUM
fsr-3162	96	11	)	)	PUNCT
fsr-3162	96	12	found	find	VERB
fsr-3162	96	13	that	that	SCONJ
fsr-3162	96	14	those	those	DET
fsr-3162	96	15	american	american	ADJ
fsr-3162	96	16	adults	adult	NOUN
fsr-3162	96	17	who	who	PRON
fsr-3162	96	18	reported	report	VERB
fsr-3162	96	19	receiving	receive	VERB
fsr-3162	96	20	money	money	NOUN
fsr-3162	96	21	-	-	PUNCT
fsr-3162	96	22	management	management	NOUN
fsr-3162	96	23	teaching	teaching	NOUN
fsr-3162	96	24	from	from	ADP
fsr-3162	96	25	their	their	PRON
fsr-3162	96	26	parents	parent	NOUN
fsr-3162	96	27	are	be	AUX
fsr-3162	96	28	associated	associate	VERB
fsr-3162	96	29	with	with	ADP
fsr-3162	96	30	higher	high	ADJ
fsr-3162	96	31	credit	credit	NOUN
fsr-3162	96	32	scores	score	NOUN
fsr-3162	96	33	and	and	CCONJ
fsr-3162	96	34	lower	low	ADJ
fsr-3162	96	35	credit	credit	NOUN
fsr-3162	96	36	card	card	NOUN
fsr-3162	96	37	debt	debt	NOUN
fsr-3162	96	38	in	in	ADP
fsr-3162	96	39	adulthood	adulthood	NOUN
fsr-3162	96	40	.	.	PUNCT
fsr-3162	97	1	bucciol	bucciol	NOUN
fsr-3162	97	2	and	and	CCONJ
fsr-3162	97	3	veronesi	veronesi	NOUN
fsr-3162	97	4	(	(	PUNCT
fsr-3162	97	5	2014	2014	NUM
fsr-3162	97	6	)	)	PUNCT
fsr-3162	97	7	also	also	ADV
fsr-3162	97	8	showed	show	VERB
fsr-3162	97	9	that	that	SCONJ
fsr-3162	97	10	those	those	DET
fsr-3162	97	11	dutch	dutch	ADJ
fsr-3162	97	12	individuals	individual	NOUN
fsr-3162	97	13	who	who	PRON
fsr-3162	97	14	reported	report	VERB
fsr-3162	97	15	parental	parental	ADJ
fsr-3162	97	16	teaching	teaching	NOUN
fsr-3162	97	17	during	during	ADP
fsr-3162	97	18	childhood	childhood	NOUN
fsr-3162	97	19	are	be	AUX
fsr-3162	97	20	more	more	ADV
fsr-3162	97	21	likely	likely	ADJ
fsr-3162	97	22	to	to	PART
fsr-3162	97	23	save	save	VERB
fsr-3162	97	24	in	in	ADP
fsr-3162	97	25	adulthood	adulthood	NOUN
fsr-3162	97	26	,	,	PUNCT
fsr-3162	97	27	particularly	particularly	ADV
fsr-3162	97	28	when	when	SCONJ
fsr-3162	97	29	they	they	PRON
fsr-3162	97	30	were	be	AUX
fsr-3162	97	31	given	give	VERB
fsr-3162	97	32	pocket	pocket	NOUN
fsr-3162	97	33	money	money	NOUN
fsr-3162	97	34	with	with	ADP
fsr-3162	97	35	advice	advice	NOUN
fsr-3162	97	36	on	on	ADP
fsr-3162	97	37	saving	save	VERB
fsr-3162	97	38	and	and	CCONJ
fsr-3162	97	39	budgeting	budgeting	NOUN
fsr-3162	97	40	.	.	PUNCT
fsr-3162	98	1	however	however	ADV
fsr-3162	98	2	,	,	PUNCT
fsr-3162	98	3	caution	caution	NOUN
fsr-3162	98	4	is	be	AUX
fsr-3162	98	5	required	require	VERB
fsr-3162	98	6	because	because	SCONJ
fsr-3162	98	7	these	these	DET
fsr-3162	98	8	studies	study	NOUN
fsr-3162	98	9	may	may	AUX
fsr-3162	98	10	be	be	AUX
fsr-3162	98	11	subject	subject	ADJ
fsr-3162	98	12	to	to	ADP
fsr-3162	98	13	endogeneity	endogeneity	NOUN
fsr-3162	98	14	issues	issue	NOUN
fsr-3162	98	15	inherent	inherent	ADJ
fsr-3162	98	16	in	in	ADP
fsr-3162	98	17	nonrandom	nonrandom	NOUN
fsr-3162	98	18	data	datum	NOUN
fsr-3162	98	19	as	as	ADV
fsr-3162	98	20	well	well	ADV
fsr-3162	98	21	as	as	ADP
fsr-3162	98	22	recall	recall	NOUN
fsr-3162	98	23	error	error	NOUN
fsr-3162	98	24	,	,	PUNCT
fsr-3162	98	25	as	as	SCONJ
fsr-3162	98	26	people	people	NOUN
fsr-3162	98	27	may	may	AUX
fsr-3162	98	28	not	not	PART
fsr-3162	98	29	correctly	correctly	ADV
fsr-3162	98	30	recall	recall	VERB
fsr-3162	98	31	experiences	experience	NOUN
fsr-3162	98	32	occurring	occur	VERB
fsr-3162	98	33	many	many	ADJ
fsr-3162	98	34	years	year	NOUN
fsr-3162	98	35	ago	ago	ADV
fsr-3162	98	36	.	.	PUNCT
fsr-3162	99	1	despite	despite	SCONJ
fsr-3162	99	2	the	the	DET
fsr-3162	99	3	limitation	limitation	NOUN
fsr-3162	99	4	,	,	PUNCT
fsr-3162	99	5	this	this	DET
fsr-3162	99	6	study	study	NOUN
fsr-3162	99	7	aims	aim	VERB
fsr-3162	99	8	to	to	PART
fsr-3162	99	9	present	present	VERB
fsr-3162	99	10	evidence	evidence	NOUN
fsr-3162	99	11	based	base	VERB
fsr-3162	99	12	on	on	ADP
fsr-3162	99	13	a	a	DET
fsr-3162	99	14	large	large	ADJ
fsr-3162	99	15	-	-	PUNCT
fsr-3162	99	16	scale	scale	NOUN
fsr-3162	99	17	japanese	japanese	ADJ
fsr-3162	99	18	survey	survey	NOUN
fsr-3162	99	19	that	that	PRON
fsr-3162	99	20	includes	include	VERB
fsr-3162	99	21	information	information	NOUN
fsr-3162	99	22	on	on	ADP
fsr-3162	99	23	the	the	DET
fsr-3162	99	24	respondent	respondent	NOUN
fsr-3162	99	25	’s	’s	PART
fsr-3162	99	26	parental	parental	ADJ
fsr-3162	99	27	teaching	teaching	NOUN
fsr-3162	99	28	in	in	ADP
fsr-3162	99	29	childhood	childhood	NOUN
fsr-3162	99	30	and	and	CCONJ
fsr-3162	99	31	financial	financial	ADJ
fsr-3162	99	32	education	education	NOUN
fsr-3162	99	33	experience	experience	NOUN
fsr-3162	99	34	received	receive	VERB
fsr-3162	99	35	at	at	ADP
fsr-3162	99	36	school	school	NOUN
fsr-3162	99	37	or	or	CCONJ
fsr-3162	99	38	the	the	DET
fsr-3162	99	39	workplace	workplace	NOUN
fsr-3162	99	40	.	.	PUNCT
fsr-3162	100	1	the	the	DET
fsr-3162	100	2	survey	survey	NOUN
fsr-3162	100	3	data	datum	NOUN
fsr-3162	100	4	make	make	VERB
fsr-3162	100	5	it	it	PRON
fsr-3162	100	6	possible	possible	ADJ
fsr-3162	100	7	to	to	PART
fsr-3162	100	8	separate	separate	VERB
fsr-3162	100	9	the	the	DET
fsr-3162	100	10	roles	role	NOUN
fsr-3162	100	11	of	of	ADP
fsr-3162	100	12	parental	parental	ADJ
fsr-3162	100	13	teaching	teaching	NOUN
fsr-3162	100	14	distinctly	distinctly	ADV
fsr-3162	100	15	from	from	ADP
fsr-3162	100	16	financial	financial	ADJ
fsr-3162	100	17	education	education	NOUN
fsr-3162	100	18	at	at	ADP
fsr-3162	100	19	school	school	NOUN
fsr-3162	100	20	or	or	CCONJ
fsr-3162	100	21	the	the	DET
fsr-3162	100	22	workplace	workplace	NOUN
fsr-3162	100	23	,	,	PUNCT
fsr-3162	100	24	while	while	SCONJ
fsr-3162	100	25	most	most	ADJ
fsr-3162	100	26	previous	previous	ADJ
fsr-3162	100	27	studies	study	NOUN
fsr-3162	100	28	can	can	AUX
fsr-3162	100	29	only	only	ADV
fsr-3162	100	30	focus	focus	VERB
fsr-3162	100	31	on	on	ADP
fsr-3162	100	32	financial	financial	ADJ
fsr-3162	100	33	experiences	experience	NOUN
fsr-3162	100	34	on	on	ADP
fsr-3162	100	35	a	a	DET
fsr-3162	100	36	certain	certain	ADJ
fsr-3162	100	37	platform.1	platform.1	PROPN
fsr-3162	100	38	2.1	2.1	NUM
fsr-3162	100	39	.	.	PUNCT
fsr-3162	101	1	the	the	DET
fsr-3162	101	2	financial	financial	ADJ
fsr-3162	101	3	education	education	NOUN
fsr-3162	101	4	system	system	NOUN
fsr-3162	101	5	in	in	ADP
fsr-3162	101	6	japan	japan	PROPN
fsr-3162	101	7	the	the	DET
fsr-3162	101	8	japanese	japanese	ADJ
fsr-3162	101	9	school	school	NOUN
fsr-3162	101	10	curriculum	curriculum	NOUN
fsr-3162	101	11	enacted	enact	VERB
fsr-3162	101	12	in	in	ADP
fsr-3162	101	13	1951	1951	NUM
fsr-3162	101	14	recommended	recommend	VERB
fsr-3162	101	15	the	the	DET
fsr-3162	101	16	introduction	introduction	NOUN
fsr-3162	101	17	of	of	ADP
fsr-3162	101	18	savings	saving	NOUN
fsr-3162	101	19	promotion	promotion	NOUN
fsr-3162	101	20	activities	activity	NOUN
fsr-3162	101	21	in	in	ADP
fsr-3162	101	22	schools	school	NOUN
fsr-3162	101	23	through	through	ADP
fsr-3162	101	24	the	the	DET
fsr-3162	101	25	so	so	ADV
fsr-3162	101	26	-	-	PUNCT
fsr-3162	101	27	called	call	VERB
fsr-3162	101	28	“	"	PUNCT
fsr-3162	101	29	children	child	NOUN
fsr-3162	101	30	’s	’s	PART
fsr-3162	101	31	banks	bank	NOUN
fsr-3162	101	32	,	,	PUNCT
fsr-3162	101	33	”	"	PUNCT
fsr-3162	101	34	in	in	ADP
fsr-3162	101	35	which	which	DET
fsr-3162	101	36	t.-m	t.-m	NOUN
fsr-3162	101	37	.	.	PUNCT
fsr-3162	102	1	yeh	yeh	PROPN
fsr-3162	102	2	/	/	SYM
fsr-3162	102	3	financial	financial	ADJ
fsr-3162	102	4	services	service	NOUN
fsr-3162	102	5	review	review	VERB
fsr-3162	102	6	30	30	NUM
fsr-3162	102	7	(	(	PUNCT
fsr-3162	102	8	2022	2022	NUM
fsr-3162	102	9	)	)	PUNCT
fsr-3162	103	1	297–320	297–320	NUM
fsr-3162	103	2	301	301	NUM
fsr-3162	103	3	students	student	NOUN
fsr-3162	103	4	can	can	AUX
fsr-3162	103	5	deposit	deposit	VERB
fsr-3162	103	6	and	and	CCONJ
fsr-3162	103	7	withdraw	withdraw	VERB
fsr-3162	103	8	money	money	NOUN
fsr-3162	103	9	in	in	ADP
fsr-3162	103	10	financial	financial	ADJ
fsr-3162	103	11	institutions	institution	NOUN
fsr-3162	103	12	through	through	ADP
fsr-3162	103	13	schools	school	NOUN
fsr-3162	103	14	(	(	PUNCT
fsr-3162	103	15	messy	messy	PROPN
fsr-3162	103	16	&	&	CCONJ
fsr-3162	103	17	monticone	monticone	NOUN
fsr-3162	103	18	,	,	PUNCT
fsr-3162	103	19	2016	2016	NUM
fsr-3162	103	20	)	)	PUNCT
fsr-3162	103	21	.	.	PUNCT
fsr-3162	104	1	in	in	ADP
fsr-3162	104	2	2006	2006	NUM
fsr-3162	104	3	,	,	PUNCT
fsr-3162	104	4	the	the	DET
fsr-3162	104	5	ministry	ministry	PROPN
fsr-3162	104	6	of	of	ADP
fsr-3162	104	7	education	education	PROPN
fsr-3162	104	8	overhauled	overhaul	VERB
fsr-3162	104	9	the	the	DET
fsr-3162	104	10	basic	basic	ADJ
fsr-3162	104	11	education	education	NOUN
fsr-3162	104	12	act	act	NOUN
fsr-3162	104	13	,	,	PUNCT
fsr-3162	104	14	which	which	PRON
fsr-3162	104	15	stipulated	stipulate	VERB
fsr-3162	104	16	the	the	DET
fsr-3162	104	17	objectives	objective	NOUN
fsr-3162	104	18	of	of	ADP
fsr-3162	104	19	education	education	NOUN
fsr-3162	104	20	,	,	PUNCT
fsr-3162	104	21	including	include	VERB
fsr-3162	104	22	“	"	PUNCT
fsr-3162	104	23	fostering	foster	VERB
fsr-3162	104	24	a	a	DET
fsr-3162	104	25	spirit	spirit	NOUN
fsr-3162	104	26	of	of	ADP
fsr-3162	104	27	autonomy	autonomy	NOUN
fsr-3162	104	28	and	and	CCONJ
fsr-3162	104	29	independence	independence	NOUN
fsr-3162	104	30	,	,	PUNCT
fsr-3162	104	31	emphasizing	emphasize	VERB
fsr-3162	104	32	connections	connection	NOUN
fsr-3162	104	33	to	to	ADP
fsr-3162	104	34	a	a	DET
fsr-3162	104	35	career	career	NOUN
fsr-3162	104	36	and	and	CCONJ
fsr-3162	104	37	practical	practical	ADJ
fsr-3162	104	38	life	life	NOUN
fsr-3162	104	39	and	and	CCONJ
fsr-3162	104	40	developing	develop	VERB
fsr-3162	104	41	a	a	DET
fsr-3162	104	42	mindset	mindset	NOUN
fsr-3162	104	43	of	of	ADP
fsr-3162	104	44	active	active	ADJ
fsr-3162	104	45	contribution	contribution	NOUN
fsr-3162	104	46	to	to	ADP
fsr-3162	104	47	the	the	DET
fsr-3162	104	48	building	building	NOUN
fsr-3162	104	49	and	and	CCONJ
fsr-3162	104	50	development	development	NOUN
fsr-3162	104	51	of	of	ADP
fsr-3162	104	52	society	society	NOUN
fsr-3162	104	53	”	"	PUNCT
fsr-3162	104	54	(	(	PUNCT
fsr-3162	104	55	oecd	oecd	PROPN
fsr-3162	104	56	,	,	PUNCT
fsr-3162	104	57	2013	2013	NUM
fsr-3162	104	58	)	)	PUNCT
fsr-3162	104	59	.	.	PUNCT
fsr-3162	105	1	consequently	consequently	ADV
fsr-3162	105	2	,	,	PUNCT
fsr-3162	105	3	japan	japan	PROPN
fsr-3162	105	4	revised	revise	VERB
fsr-3162	105	5	and	and	CCONJ
fsr-3162	105	6	renewed	renew	VERB
fsr-3162	105	7	the	the	DET
fsr-3162	105	8	school	school	NOUN
fsr-3162	105	9	course	course	NOUN
fsr-3162	105	10	guidelines	guideline	VERB
fsr-3162	105	11	to	to	PART
fsr-3162	105	12	strengthen	strengthen	VERB
fsr-3162	105	13	financial	financial	ADJ
fsr-3162	105	14	education	education	NOUN
fsr-3162	105	15	,	,	PUNCT
fsr-3162	105	16	which	which	PRON
fsr-3162	105	17	was	be	AUX
fsr-3162	105	18	implemented	implement	VERB
fsr-3162	105	19	at	at	ADP
fsr-3162	105	20	elementary	elementary	ADJ
fsr-3162	105	21	,	,	PUNCT
fsr-3162	105	22	junior	junior	ADJ
fsr-3162	105	23	high	high	ADJ
fsr-3162	105	24	,	,	PUNCT
fsr-3162	105	25	and	and	CCONJ
fsr-3162	105	26	senior	senior	ADJ
fsr-3162	105	27	high	high	ADJ
fsr-3162	105	28	schools	school	NOUN
fsr-3162	105	29	in	in	ADP
fsr-3162	105	30	2011	2011	NUM
fsr-3162	105	31	,	,	PUNCT
fsr-3162	105	32	2012	2012	NUM
fsr-3162	105	33	,	,	PUNCT
fsr-3162	105	34	and	and	CCONJ
fsr-3162	105	35	2013	2013	NUM
fsr-3162	105	36	,	,	PUNCT
fsr-3162	105	37	respectively	respectively	ADV
fsr-3162	105	38	.	.	PUNCT
fsr-3162	106	1	however	however	ADV
fsr-3162	106	2	,	,	PUNCT
fsr-3162	106	3	financial	financial	ADJ
fsr-3162	106	4	education	education	NOUN
fsr-3162	106	5	was	be	AUX
fsr-3162	106	6	not	not	PART
fsr-3162	106	7	mandatory	mandatory	ADJ
fsr-3162	106	8	in	in	ADP
fsr-3162	106	9	the	the	DET
fsr-3162	106	10	curriculum	curriculum	NOUN
fsr-3162	106	11	(	(	PUNCT
fsr-3162	106	12	until	until	ADP
fsr-3162	106	13	april	april	PROPN
fsr-3162	106	14	2022	2022	NUM
fsr-3162	106	15	)	)	PUNCT
fsr-3162	106	16	.	.	PUNCT
fsr-3162	107	1	in	in	ADP
fsr-3162	107	2	addition	addition	NOUN
fsr-3162	107	3	,	,	PUNCT
fsr-3162	107	4	financial	financial	ADJ
fsr-3162	107	5	knowledge	knowledge	NOUN
fsr-3162	107	6	is	be	AUX
fsr-3162	107	7	only	only	ADV
fsr-3162	107	8	provided	provide	VERB
fsr-3162	107	9	patchily	patchily	ADV
fsr-3162	107	10	and	and	CCONJ
fsr-3162	107	11	sporadically	sporadically	ADV
fsr-3162	107	12	in	in	ADP
fsr-3162	107	13	specific	specific	ADJ
fsr-3162	107	14	subjects	subject	NOUN
fsr-3162	107	15	,	,	PUNCT
fsr-3162	107	16	such	such	ADJ
fsr-3162	107	17	as	as	ADP
fsr-3162	107	18	“	"	PUNCT
fsr-3162	107	19	civics	civic	NOUN
fsr-3162	107	20	”	"	PUNCT
fsr-3162	107	21	in	in	ADP
fsr-3162	107	22	junior	junior	ADJ
fsr-3162	107	23	high	high	ADJ
fsr-3162	107	24	school	school	NOUN
fsr-3162	107	25	and	and	CCONJ
fsr-3162	107	26	“	"	PUNCT
fsr-3162	107	27	social	social	ADJ
fsr-3162	107	28	studies	study	NOUN
fsr-3162	107	29	”	"	PUNCT
fsr-3162	107	30	or	or	CCONJ
fsr-3162	107	31	“	"	PUNCT
fsr-3162	107	32	politics	politic	NOUN
fsr-3162	107	33	and	and	CCONJ
fsr-3162	107	34	economics	economic	NOUN
fsr-3162	107	35	”	"	PUNCT
fsr-3162	107	36	in	in	ADP
fsr-3162	107	37	high	high	ADJ
fsr-3162	107	38	school	school	NOUN
fsr-3162	107	39	,	,	PUNCT
fsr-3162	107	40	and	and	CCONJ
fsr-3162	107	41	with	with	ADP
fsr-3162	107	42	limited	limited	ADJ
fsr-3162	107	43	teaching	teaching	NOUN
fsr-3162	107	44	hours	hour	NOUN
fsr-3162	107	45	.	.	PUNCT
fsr-3162	108	1	a	a	DET
fsr-3162	108	2	survey	survey	NOUN
fsr-3162	108	3	of	of	ADP
fsr-3162	108	4	japanese	japanese	ADJ
fsr-3162	108	5	school	school	NOUN
fsr-3162	108	6	teachers	teacher	NOUN
fsr-3162	108	7	conducted	conduct	VERB
fsr-3162	108	8	from	from	ADP
fsr-3162	108	9	2013	2013	NUM
fsr-3162	108	10	to	to	ADP
fsr-3162	108	11	2014	2014	NUM
fsr-3162	108	12	revealed	reveal	VERB
fsr-3162	108	13	that	that	SCONJ
fsr-3162	108	14	more	more	ADJ
fsr-3162	108	15	than	than	ADP
fsr-3162	108	16	a	a	DET
fsr-3162	108	17	majority	majority	NOUN
fsr-3162	108	18	of	of	ADP
fsr-3162	108	19	teachers	teacher	NOUN
fsr-3162	108	20	answered	answer	VERB
fsr-3162	108	21	insufficient	insufficient	ADJ
fsr-3162	108	22	teaching	teaching	NOUN
fsr-3162	108	23	hours	hour	NOUN
fsr-3162	108	24	set	set	VERB
fsr-3162	108	25	aside	aside	ADV
fsr-3162	108	26	for	for	ADP
fsr-3162	108	27	financial	financial	ADJ
fsr-3162	108	28	knowledge	knowledge	NOUN
fsr-3162	108	29	,	,	PUNCT
fsr-3162	108	30	and	and	CCONJ
fsr-3162	108	31	40	40	NUM
fsr-3162	108	32	%	%	NOUN
fsr-3162	108	33	answered	answer	VERB
fsr-3162	108	34	insufficient	insufficient	ADJ
fsr-3162	108	35	content	content	NOUN
fsr-3162	108	36	(	(	PUNCT
fsr-3162	108	37	financial	financial	ADJ
fsr-3162	108	38	education	education	NOUN
fsr-3162	108	39	promotion	promotion	NOUN
fsr-3162	108	40	study	study	NOUN
fsr-3162	108	41	group	group	NOUN
fsr-3162	108	42	,	,	PUNCT
fsr-3162	108	43	2014	2014	NUM
fsr-3162	108	44	)	)	PUNCT
fsr-3162	108	45	.	.	PUNCT
fsr-3162	109	1	in	in	ADP
fsr-3162	109	2	addition	addition	NOUN
fsr-3162	109	3	,	,	PUNCT
fsr-3162	109	4	financial	financial	ADJ
fsr-3162	109	5	trade	trade	NOUN
fsr-3162	109	6	bodies	body	NOUN
fsr-3162	109	7	offer	offer	VERB
fsr-3162	109	8	a	a	DET
fsr-3162	109	9	variety	variety	NOUN
fsr-3162	109	10	of	of	ADP
fsr-3162	109	11	opportunities	opportunity	NOUN
fsr-3162	109	12	for	for	ADP
fsr-3162	109	13	financial	financial	ADJ
fsr-3162	109	14	education	education	NOUN
fsr-3162	109	15	,	,	PUNCT
fsr-3162	109	16	via	via	ADP
fsr-3162	109	17	seminars	seminar	NOUN
fsr-3162	109	18	and	and	CCONJ
fsr-3162	109	19	visiting	visit	VERB
fsr-3162	109	20	lectures	lecture	NOUN
fsr-3162	109	21	,	,	PUNCT
fsr-3162	109	22	for	for	ADP
fsr-3162	109	23	working	work	VERB
fsr-3162	109	24	adults	adult	NOUN
fsr-3162	109	25	and	and	CCONJ
fsr-3162	109	26	citizens	citizen	NOUN
fsr-3162	109	27	.	.	PUNCT
fsr-3162	110	1	such	such	ADJ
fsr-3162	110	2	programs	program	NOUN
fsr-3162	110	3	are	be	AUX
fsr-3162	110	4	more	more	ADV
fsr-3162	110	5	practical	practical	ADJ
fsr-3162	110	6	in	in	ADP
fsr-3162	110	7	nature	nature	NOUN
fsr-3162	110	8	,	,	PUNCT
fsr-3162	110	9	covering	cover	VERB
fsr-3162	110	10	explanations	explanation	NOUN
fsr-3162	110	11	of	of	ADP
fsr-3162	110	12	financial	financial	ADJ
fsr-3162	110	13	products	product	NOUN
fsr-3162	110	14	,	,	PUNCT
fsr-3162	110	15	asset	asset	NOUN
fsr-3162	110	16	management	management	NOUN
fsr-3162	110	17	,	,	PUNCT
fsr-3162	110	18	investment	investment	NOUN
fsr-3162	110	19	knowledge	knowledge	NOUN
fsr-3162	110	20	,	,	PUNCT
fsr-3162	110	21	family	family	NOUN
fsr-3162	110	22	budget	budget	NOUN
fsr-3162	110	23	management	management	NOUN
fsr-3162	110	24	,	,	PUNCT
fsr-3162	110	25	and	and	CCONJ
fsr-3162	110	26	life	life	NOUN
fsr-3162	110	27	planning	planning	NOUN
fsr-3162	110	28	(	(	PUNCT
fsr-3162	110	29	oecd	oecd	PROPN
fsr-3162	110	30	,	,	PUNCT
fsr-3162	110	31	2013	2013	NUM
fsr-3162	110	32	)	)	PUNCT
fsr-3162	110	33	.	.	PUNCT
fsr-3162	111	1	3	3	X
fsr-3162	111	2	.	.	X
fsr-3162	111	3	data	datum	NOUN
fsr-3162	111	4	and	and	CCONJ
fsr-3162	111	5	variables	variable	NOUN
fsr-3162	111	6	this	this	DET
fsr-3162	111	7	study	study	NOUN
fsr-3162	111	8	investigated	investigate	VERB
fsr-3162	111	9	whether	whether	SCONJ
fsr-3162	111	10	and	and	CCONJ
fsr-3162	111	11	how	how	SCONJ
fsr-3162	111	12	financial	financial	ADJ
fsr-3162	111	13	behaviors	behavior	NOUN
fsr-3162	111	14	in	in	ADP
fsr-3162	111	15	adulthood	adulthood	NOUN
fsr-3162	111	16	are	be	AUX
fsr-3162	111	17	associated	associate	VERB
fsr-3162	111	18	with	with	ADP
fsr-3162	111	19	financial	financial	ADJ
fsr-3162	111	20	socialization	socialization	NOUN
fsr-3162	111	21	in	in	ADP
fsr-3162	111	22	the	the	DET
fsr-3162	111	23	family	family	NOUN
fsr-3162	111	24	versus	versus	ADP
fsr-3162	111	25	financial	financial	ADJ
fsr-3162	111	26	education	education	NOUN
fsr-3162	111	27	at	at	ADP
fsr-3162	111	28	school	school	NOUN
fsr-3162	111	29	or	or	CCONJ
fsr-3162	111	30	the	the	DET
fsr-3162	111	31	workplace	workplace	NOUN
fsr-3162	111	32	.	.	PUNCT
fsr-3162	112	1	data	datum	NOUN
fsr-3162	112	2	were	be	AUX
fsr-3162	112	3	drawn	draw	VERB
fsr-3162	112	4	from	from	ADP
fsr-3162	112	5	fls	fls	PROPN
fsr-3162	112	6	2016	2016	NUM
fsr-3162	112	7	—	—	PUNCT
fsr-3162	112	8	an	an	DET
fsr-3162	112	9	online	online	ADJ
fsr-3162	112	10	survey	survey	NOUN
fsr-3162	112	11	conducted	conduct	VERB
fsr-3162	112	12	by	by	ADP
fsr-3162	112	13	japan	japan	PROPN
fsr-3162	112	14	’s	’s	PART
fsr-3162	112	15	central	central	PROPN
fsr-3162	112	16	council	council	PROPN
fsr-3162	112	17	for	for	ADP
fsr-3162	112	18	financial	financial	ADJ
fsr-3162	112	19	services	service	NOUN
fsr-3162	112	20	information	information	NOUN
fsr-3162	112	21	in	in	ADP
fsr-3162	112	22	2015	2015	NUM
fsr-3162	112	23	to	to	PART
fsr-3162	112	24	shed	shed	VERB
fsr-3162	112	25	light	light	NOUN
fsr-3162	112	26	on	on	ADP
fsr-3162	112	27	japanese	japanese	ADJ
fsr-3162	112	28	individuals	individual	NOUN
fsr-3162	112	29	’	'	PUNCT
fsr-3162	112	30	financial	financial	ADJ
fsr-3162	112	31	knowledge	knowledge	NOUN
fsr-3162	112	32	,	,	PUNCT
fsr-3162	112	33	attitudes	attitude	NOUN
fsr-3162	112	34	,	,	PUNCT
fsr-3162	112	35	and	and	CCONJ
fsr-3162	112	36	behaviors	behavior	NOUN
fsr-3162	112	37	.	.	PUNCT
fsr-3162	113	1	the	the	DET
fsr-3162	113	2	sample	sample	NOUN
fsr-3162	113	3	comprises	comprise	VERB
fsr-3162	113	4	25,000	25,000	NUM
fsr-3162	113	5	individuals	individual	NOUN
fsr-3162	113	6	,	,	PUNCT
fsr-3162	113	7	distributed	distribute	VERB
fsr-3162	113	8	in	in	ADP
fsr-3162	113	9	proportion	proportion	NOUN
fsr-3162	113	10	to	to	ADP
fsr-3162	113	11	japan	japan	PROPN
fsr-3162	113	12	’s	’s	PART
fsr-3162	113	13	demographic	demographic	ADJ
fsr-3162	113	14	structure	structure	NOUN
fsr-3162	113	15	.	.	PUNCT
fsr-3162	114	1	table	table	NOUN
fsr-3162	114	2	1	1	NUM
fsr-3162	114	3	summarizes	summarize	VERB
fsr-3162	114	4	the	the	DET
fsr-3162	114	5	results	result	NOUN
fsr-3162	114	6	of	of	ADP
fsr-3162	114	7	this	this	DET
fsr-3162	114	8	empirical	empirical	ADJ
fsr-3162	114	9	study	study	NOUN
fsr-3162	114	10	.	.	PUNCT
fsr-3162	115	1	the	the	DET
fsr-3162	115	2	average	average	ADJ
fsr-3162	115	3	age	age	NOUN
fsr-3162	115	4	was	be	AUX
fsr-3162	115	5	48.7	48.7	NUM
fsr-3162	115	6	years	year	NOUN
fsr-3162	115	7	,	,	PUNCT
fsr-3162	115	8	ranging	range	VERB
fsr-3162	115	9	from	from	ADP
fsr-3162	115	10	18	18	NUM
fsr-3162	115	11	to	to	PART
fsr-3162	115	12	79	79	NUM
fsr-3162	115	13	years	year	NOUN
fsr-3162	115	14	.	.	PUNCT
fsr-3162	116	1	females	female	NOUN
fsr-3162	116	2	accounted	account	VERB
fsr-3162	116	3	for	for	ADP
fsr-3162	116	4	half	half	NOUN
fsr-3162	116	5	of	of	ADP
fsr-3162	116	6	the	the	DET
fsr-3162	116	7	sample	sample	NOUN
fsr-3162	116	8	.	.	PUNCT
fsr-3162	117	1	by	by	ADP
fsr-3162	117	2	occupation	occupation	NOUN
fsr-3162	117	3	,	,	PUNCT
fsr-3162	117	4	32.2	32.2	NUM
fsr-3162	117	5	%	%	NOUN
fsr-3162	117	6	were	be	AUX
fsr-3162	117	7	employed	employ	VERB
fsr-3162	117	8	by	by	ADP
fsr-3162	117	9	a	a	DET
fsr-3162	117	10	company	company	NOUN
fsr-3162	117	11	,	,	PUNCT
fsr-3162	117	12	20.9	20.9	NUM
fsr-3162	117	13	%	%	NOUN
fsr-3162	117	14	were	be	AUX
fsr-3162	117	15	house	house	NOUN
fsr-3162	117	16	workers	worker	NOUN
fsr-3162	117	17	,	,	PUNCT
fsr-3162	117	18	15.6	15.6	NUM
fsr-3162	117	19	%	%	NOUN
fsr-3162	117	20	were	be	AUX
fsr-3162	117	21	not	not	PART
fsr-3162	117	22	employed	employ	VERB
fsr-3162	117	23	,	,	PUNCT
fsr-3162	117	24	14	14	NUM
fsr-3162	117	25	%	%	NOUN
fsr-3162	117	26	were	be	AUX
fsr-3162	117	27	part	part	ADJ
fsr-3162	117	28	-	-	PUNCT
fsr-3162	117	29	time	time	NOUN
fsr-3162	117	30	workers	worker	NOUN
fsr-3162	117	31	,	,	PUNCT
fsr-3162	117	32	7	7	NUM
fsr-3162	117	33	%	%	NOUN
fsr-3162	117	34	were	be	AUX
fsr-3162	117	35	self	self	NOUN
fsr-3162	117	36	-	-	PUNCT
fsr-3162	117	37	employed	employ	VERB
fsr-3162	117	38	,	,	PUNCT
fsr-3162	117	39	4.9	4.9	NUM
fsr-3162	117	40	%	%	NOUN
fsr-3162	117	41	were	be	AUX
fsr-3162	117	42	students	student	NOUN
fsr-3162	117	43	,	,	PUNCT
fsr-3162	117	44	and	and	CCONJ
fsr-3162	117	45	3.5	3.5	NUM
fsr-3162	117	46	%	%	NOUN
fsr-3162	117	47	were	be	AUX
fsr-3162	117	48	civil	civil	ADJ
fsr-3162	117	49	servants	servant	NOUN
fsr-3162	117	50	.	.	PUNCT
fsr-3162	118	1	by	by	ADP
fsr-3162	118	2	education	education	NOUN
fsr-3162	118	3	degree	degree	NOUN
fsr-3162	118	4	,	,	PUNCT
fsr-3162	118	5	38.6	38.6	NUM
fsr-3162	118	6	%	%	NOUN
fsr-3162	118	7	had	have	VERB
fsr-3162	118	8	a	a	DET
fsr-3162	118	9	college	college	NOUN
fsr-3162	118	10	degree	degree	NOUN
fsr-3162	118	11	,	,	PUNCT
fsr-3162	118	12	followed	follow	VERB
fsr-3162	118	13	by	by	ADP
fsr-3162	118	14	those	those	PRON
fsr-3162	118	15	with	with	ADP
fsr-3162	118	16	high	high	ADJ
fsr-3162	118	17	school	school	NOUN
fsr-3162	118	18	education	education	NOUN
fsr-3162	118	19	(	(	PUNCT
fsr-3162	118	20	32.4	32.4	NUM
fsr-3162	118	21	%	%	NOUN
fsr-3162	118	22	)	)	PUNCT
fsr-3162	118	23	,	,	PUNCT
fsr-3162	118	24	2	2	NUM
fsr-3162	118	25	-	-	PUNCT
fsr-3162	118	26	year	year	NOUN
fsr-3162	118	27	college	college	NOUN
fsr-3162	118	28	degree	degree	NOUN
fsr-3162	118	29	(	(	PUNCT
fsr-3162	118	30	11.29	11.29	NUM
fsr-3162	118	31	%	%	NOUN
fsr-3162	118	32	)	)	PUNCT
fsr-3162	118	33	,	,	PUNCT
fsr-3162	118	34	and	and	CCONJ
fsr-3162	118	35	vocational	vocational	ADJ
fsr-3162	118	36	education	education	NOUN
fsr-3162	118	37	(	(	PUNCT
fsr-3162	118	38	10.5	10.5	NUM
fsr-3162	118	39	%	%	NOUN
fsr-3162	118	40	)	)	PUNCT
fsr-3162	118	41	,	,	PUNCT
fsr-3162	118	42	while	while	SCONJ
fsr-3162	118	43	only	only	ADV
fsr-3162	118	44	4.2	4.2	NUM
fsr-3162	118	45	%	%	NOUN
fsr-3162	118	46	received	receive	VERB
fsr-3162	118	47	graduate	graduate	NOUN
fsr-3162	118	48	school	school	NOUN
fsr-3162	118	49	education	education	NOUN
fsr-3162	118	50	.	.	PUNCT
fsr-3162	119	1	regarding	regard	VERB
fsr-3162	119	2	household	household	NOUN
fsr-3162	119	3	income	income	NOUN
fsr-3162	119	4	,	,	PUNCT
fsr-3162	119	5	the	the	DET
fsr-3162	119	6	largest	large	ADJ
fsr-3162	119	7	cohort	cohort	NOUN
fsr-3162	119	8	is	be	AUX
fsr-3162	119	9	2.5–5	2.5–5	NUM
fsr-3162	119	10	million	million	NUM
fsr-3162	119	11	yen	yen	NOUN
fsr-3162	119	12	annually	annually	ADV
fsr-3162	119	13	(	(	PUNCT
fsr-3162	119	14	28.9	28.9	NUM
fsr-3162	119	15	%	%	NOUN
fsr-3162	119	16	)	)	PUNCT
fsr-3162	119	17	,	,	PUNCT
fsr-3162	119	18	followed	follow	VERB
fsr-3162	119	19	by	by	ADP
fsr-3162	119	20	5–7.5	5–7.5	NUM
fsr-3162	119	21	million	million	NUM
fsr-3162	119	22	yen	yen	NOUN
fsr-3162	119	23	(	(	PUNCT
fsr-3162	119	24	16.6	16.6	NUM
fsr-3162	119	25	%	%	NOUN
fsr-3162	119	26	)	)	PUNCT
fsr-3162	119	27	,	,	PUNCT
fsr-3162	119	28	and	and	CCONJ
fsr-3162	119	29	up	up	ADP
fsr-3162	119	30	to	to	PART
fsr-3162	119	31	2.5	2.5	NUM
fsr-3162	119	32	million	million	NUM
fsr-3162	119	33	yen	yen	NOUN
fsr-3162	119	34	(	(	PUNCT
fsr-3162	119	35	15.7	15.7	NUM
fsr-3162	119	36	%	%	NOUN
fsr-3162	119	37	)	)	PUNCT
fsr-3162	119	38	.	.	PUNCT
fsr-3162	120	1	only	only	ADV
fsr-3162	120	2	6.7	6.7	NUM
fsr-3162	120	3	%	%	NOUN
fsr-3162	120	4	of	of	ADP
fsr-3162	120	5	the	the	DET
fsr-3162	120	6	survey	survey	NOUN
fsr-3162	120	7	respondents	respondent	NOUN
fsr-3162	120	8	reported	report	VERB
fsr-3162	120	9	a	a	DET
fsr-3162	120	10	household	household	NOUN
fsr-3162	120	11	income	income	NOUN
fsr-3162	120	12	of	of	ADP
fsr-3162	120	13	more	more	ADJ
fsr-3162	120	14	than	than	ADP
fsr-3162	120	15	10	10	NUM
fsr-3162	120	16	million	million	NUM
fsr-3162	120	17	yen	yen	NOUN
fsr-3162	120	18	(	(	PUNCT
fsr-3162	120	19	equivalent	equivalent	ADJ
fsr-3162	120	20	to	to	ADP
fsr-3162	120	21	approximately	approximately	ADV
fsr-3162	120	22	$	$	SYM
fsr-3162	120	23	91,116	91,116	NUM
fsr-3162	120	24	as	as	ADP
fsr-3162	120	25	of	of	ADP
fsr-3162	120	26	january	january	PROPN
fsr-3162	120	27	2020	2020	NUM
fsr-3162	120	28	)	)	PUNCT
fsr-3162	120	29	.	.	PUNCT
fsr-3162	121	1	3.1	3.1	NUM
fsr-3162	121	2	.	.	PUNCT
fsr-3162	121	3	variables	variable	NOUN
fsr-3162	121	4	on	on	ADP
fsr-3162	121	5	financial	financial	ADJ
fsr-3162	121	6	socialization	socialization	NOUN
fsr-3162	121	7	or	or	CCONJ
fsr-3162	121	8	financial	financial	ADJ
fsr-3162	121	9	education	education	NOUN
fsr-3162	121	10	two	two	NUM
fsr-3162	121	11	fls	fls	PROPN
fsr-3162	121	12	questions	question	NOUN
fsr-3162	121	13	in	in	ADP
fsr-3162	121	14	the	the	DET
fsr-3162	121	15	survey	survey	NOUN
fsr-3162	121	16	are	be	AUX
fsr-3162	121	17	used	use	VERB
fsr-3162	121	18	to	to	PART
fsr-3162	121	19	construct	construct	VERB
fsr-3162	121	20	the	the	DET
fsr-3162	121	21	variables	variable	NOUN
fsr-3162	121	22	.	.	PUNCT
fsr-3162	122	1	one	one	NUM
fsr-3162	122	2	question	question	NOUN
fsr-3162	122	3	asks	ask	VERB
fsr-3162	122	4	if	if	SCONJ
fsr-3162	122	5	“	"	PUNCT
fsr-3162	122	6	your	your	PRON
fsr-3162	122	7	parents	parent	NOUN
fsr-3162	122	8	or	or	CCONJ
fsr-3162	122	9	guardians	guardian	NOUN
fsr-3162	122	10	taught	teach	VERB
fsr-3162	122	11	you	you	PRON
fsr-3162	122	12	how	how	SCONJ
fsr-3162	122	13	to	to	PART
fsr-3162	122	14	manage	manage	VERB
fsr-3162	122	15	your	your	PRON
fsr-3162	122	16	finances	finance	NOUN
fsr-3162	122	17	,	,	PUNCT
fsr-3162	122	18	”	"	PUNCT
fsr-3162	122	19	with	with	ADP
fsr-3162	122	20	19.8	19.8	NUM
fsr-3162	122	21	%	%	NOUN
fsr-3162	122	22	of	of	ADP
fsr-3162	122	23	302	302	NUM
fsr-3162	122	24	t.-m	t.-m	NOUN
fsr-3162	122	25	.	.	PUNCT
fsr-3162	123	1	yeh	yeh	PROPN
fsr-3162	123	2	/	/	SYM
fsr-3162	123	3	financial	financial	ADJ
fsr-3162	123	4	services	service	NOUN
fsr-3162	123	5	review	review	VERB
fsr-3162	123	6	30	30	NUM
fsr-3162	123	7	(	(	PUNCT
fsr-3162	123	8	2022	2022	NUM
fsr-3162	123	9	)	)	PUNCT
fsr-3162	123	10	297–320	297–320	NUM
fsr-3162	123	11	respondents	respondent	NOUN
fsr-3162	123	12	replying	reply	VERB
fsr-3162	123	13	“	"	PUNCT
fsr-3162	123	14	yes	yes	INTJ
fsr-3162	123	15	,	,	PUNCT
fsr-3162	123	16	”	"	PUNCT
fsr-3162	123	17	60.4	60.4	NUM
fsr-3162	123	18	%	%	NOUN
fsr-3162	123	19	“	"	PUNCT
fsr-3162	123	20	no	no	INTJ
fsr-3162	123	21	,	,	PUNCT
fsr-3162	123	22	”	"	PUNCT
fsr-3162	123	23	and	and	CCONJ
fsr-3162	123	24	19.8	19.8	NUM
fsr-3162	123	25	%	%	NOUN
fsr-3162	123	26	“	"	PUNCT
fsr-3162	123	27	do	do	AUX
fsr-3162	123	28	n’t	not	PART
fsr-3162	123	29	know	know	VERB
fsr-3162	123	30	.	.	PUNCT
fsr-3162	123	31	”	"	PUNCT
fsr-3162	124	1	i	i	PRON
fsr-3162	124	2	define	define	VERB
fsr-3162	124	3	those	those	PRON
fsr-3162	124	4	with	with	ADP
fsr-3162	124	5	a	a	DET
fsr-3162	124	6	“	"	PUNCT
fsr-3162	124	7	yes	yes	ADJ
fsr-3162	124	8	”	"	PUNCT
fsr-3162	124	9	response	response	NOUN
fsr-3162	124	10	as	as	ADP
fsr-3162	124	11	those	those	PRON
fsr-3162	124	12	receiving	receive	VERB
fsr-3162	124	13	financial	financial	ADJ
fsr-3162	124	14	teaching	teaching	NOUN
fsr-3162	124	15	from	from	ADP
fsr-3162	124	16	parents	parent	NOUN
fsr-3162	124	17	(	(	PUNCT
fsr-3162	124	18	guardians	guardian	NOUN
fsr-3162	124	19	)	)	PUNCT
fsr-3162	124	20	at	at	ADP
fsr-3162	124	21	home	home	NOUN
fsr-3162	124	22	in	in	ADP
fsr-3162	124	23	childhood	childhood	NOUN
fsr-3162	124	24	.	.	PUNCT
fsr-3162	125	1	the	the	DET
fsr-3162	125	2	other	other	ADJ
fsr-3162	125	3	fls	fls	PROPN
fsr-3162	125	4	question	question	NOUN
fsr-3162	125	5	asks	ask	VERB
fsr-3162	125	6	if	if	SCONJ
fsr-3162	125	7	“	"	PUNCT
fsr-3162	125	8	financial	financial	ADJ
fsr-3162	125	9	education	education	NOUN
fsr-3162	125	10	was	be	AUX
fsr-3162	125	11	offered	offer	VERB
fsr-3162	125	12	by	by	ADP
fsr-3162	125	13	a	a	DET
fsr-3162	125	14	school	school	NOUN
fsr-3162	125	15	or	or	CCONJ
fsr-3162	125	16	college	college	NOUN
fsr-3162	125	17	you	you	PRON
fsr-3162	125	18	attended	attend	VERB
fsr-3162	125	19	or	or	CCONJ
fsr-3162	125	20	a	a	DET
fsr-3162	125	21	workplace	workplace	NOUN
fsr-3162	125	22	where	where	SCONJ
fsr-3162	125	23	you	you	PRON
fsr-3162	125	24	were	be	AUX
fsr-3162	125	25	employed	employ	VERB
fsr-3162	125	26	,	,	PUNCT
fsr-3162	125	27	”	"	PUNCT
fsr-3162	125	28	with	with	ADP
fsr-3162	125	29	6.6	6.6	NUM
fsr-3162	125	30	%	%	NOUN
fsr-3162	125	31	of	of	ADP
fsr-3162	125	32	respondents	respondent	NOUN
fsr-3162	125	33	replying	reply	VERB
fsr-3162	125	34	“	"	PUNCT
fsr-3162	125	35	yes	yes	INTJ
fsr-3162	125	36	,	,	PUNCT
fsr-3162	125	37	”	"	PUNCT
fsr-3162	125	38	75.7	75.7	NUM
fsr-3162	125	39	%	%	NOUN
fsr-3162	125	40	“	"	PUNCT
fsr-3162	125	41	no	no	INTJ
fsr-3162	125	42	,	,	PUNCT
fsr-3162	125	43	”	"	PUNCT
fsr-3162	125	44	and	and	CCONJ
fsr-3162	125	45	17.7	17.7	NUM
fsr-3162	125	46	%	%	NOUN
fsr-3162	125	47	“	"	PUNCT
fsr-3162	125	48	do	do	AUX
fsr-3162	125	49	n’t	not	PART
fsr-3162	125	50	know	know	VERB
fsr-3162	125	51	.	.	PUNCT
fsr-3162	125	52	”	"	PUNCT
fsr-3162	126	1	i	i	PRON
fsr-3162	126	2	define	define	VERB
fsr-3162	126	3	those	those	PRON
fsr-3162	126	4	with	with	ADP
fsr-3162	126	5	a	a	DET
fsr-3162	126	6	“	"	PUNCT
fsr-3162	126	7	yes	yes	ADJ
fsr-3162	126	8	”	"	PUNCT
fsr-3162	126	9	response	response	NOUN
fsr-3162	126	10	as	as	ADP
fsr-3162	126	11	those	those	PRON
fsr-3162	126	12	receiving	receive	VERB
fsr-3162	126	13	financial	financial	ADJ
fsr-3162	126	14	education	education	NOUN
fsr-3162	126	15	at	at	ADP
fsr-3162	126	16	school	school	NOUN
fsr-3162	126	17	or	or	CCONJ
fsr-3162	126	18	in	in	ADP
fsr-3162	126	19	the	the	DET
fsr-3162	126	20	workplace	workplace	NOUN
fsr-3162	126	21	.	.	PUNCT
fsr-3162	127	1	the	the	DET
fsr-3162	127	2	relatively	relatively	ADV
fsr-3162	127	3	smaller	small	ADJ
fsr-3162	127	4	table	table	NOUN
fsr-3162	127	5	1	1	NUM
fsr-3162	127	6	descriptive	descriptive	ADJ
fsr-3162	127	7	statistics	statistic	NOUN
fsr-3162	127	8	variables	variable	NOUN
fsr-3162	127	9	no	no	INTJ
fsr-3162	127	10	.	.	PUNCT
fsr-3162	128	1	mean	mean	NOUN
fsr-3162	128	2	or	or	CCONJ
fsr-3162	128	3	proportion	proportion	NOUN
fsr-3162	128	4	(	(	PUNCT
fsr-3162	128	5	%	%	NOUN
fsr-3162	128	6	)	)	PUNCT
fsr-3162	128	7	age	age	NOUN
fsr-3162	128	8	25,000	25,000	NUM
fsr-3162	128	9	48.71	48.71	NUM
fsr-3162	128	10	%	%	NOUN
fsr-3162	128	11	female	female	ADJ
fsr-3162	128	12	25,000	25,000	NUM
fsr-3162	128	13	50.66	50.66	NUM
fsr-3162	128	14	%	%	NOUN
fsr-3162	128	15	with	with	ADP
fsr-3162	128	16	occupation	occupation	NOUN
fsr-3162	128	17	=	=	SYM
fsr-3162	128	18	company	company	NOUN
fsr-3162	128	19	workers	worker	NOUN
fsr-3162	128	20	25,000	25,000	NUM
fsr-3162	128	21	32.24	32.24	NUM
fsr-3162	128	22	civil	civil	ADJ
fsr-3162	128	23	servant	servant	NOUN
fsr-3162	128	24	25,000	25,000	NUM
fsr-3162	128	25	3.51	3.51	NUM
fsr-3162	128	26	self	self	NOUN
fsr-3162	128	27	-	-	PUNCT
fsr-3162	128	28	employed	employ	VERB
fsr-3162	128	29	25,000	25,000	NUM
fsr-3162	128	30	6.99	6.99	NUM
fsr-3162	128	31	part	part	NOUN
fsr-3162	128	32	-	-	PUNCT
fsr-3162	128	33	timers	timer	NOUN
fsr-3162	128	34	25,000	25,000	NUM
fsr-3162	128	35	14.03	14.03	NUM
fsr-3162	128	36	house	house	NOUN
fsr-3162	128	37	-	-	PUNCT
fsr-3162	128	38	work	work	NOUN
fsr-3162	128	39	25,000	25,000	NUM
fsr-3162	128	40	20.90	20.90	NUM
fsr-3162	128	41	student	student	NOUN
fsr-3162	128	42	25,000	25,000	NUM
fsr-3162	128	43	4.85	4.85	NUM
fsr-3162	128	44	not	not	PART
fsr-3162	128	45	employed	employ	VERB
fsr-3162	128	46	25,000	25,000	NUM
fsr-3162	128	47	15.64	15.64	NUM
fsr-3162	128	48	others	other	NOUN
fsr-3162	128	49	25,000	25,000	NUM
fsr-3162	128	50	1.84	1.84	NUM
fsr-3162	128	51	%	%	NOUN
fsr-3162	128	52	with	with	ADP
fsr-3162	128	53	degree	degree	NOUN
fsr-3162	128	54	=	=	SYM
fsr-3162	128	55	mandatory	mandatory	ADJ
fsr-3162	128	56	education	education	NOUN
fsr-3162	128	57	25,000	25,000	NUM
fsr-3162	128	58	2.82	2.82	NUM
fsr-3162	128	59	high	high	ADJ
fsr-3162	128	60	school	school	NOUN
fsr-3162	128	61	25,000	25,000	NUM
fsr-3162	128	62	32.42	32.42	NUM
fsr-3162	128	63	vocation	vocation	NOUN
fsr-3162	128	64	school	school	NOUN
fsr-3162	128	65	25,000	25,000	NUM
fsr-3162	128	66	10.51	10.51	NUM
fsr-3162	128	67	2	2	NUM
fsr-3162	128	68	-	-	PUNCT
fsr-3162	128	69	year	year	NOUN
fsr-3162	128	70	college	college	NOUN
fsr-3162	128	71	25,000	25,000	NUM
fsr-3162	128	72	11.29	11.29	NUM
fsr-3162	128	73	4	4	NUM
fsr-3162	128	74	-	-	PUNCT
fsr-3162	128	75	year	year	NOUN
fsr-3162	128	76	college	college	NOUN
fsr-3162	128	77	25,000	25,000	NUM
fsr-3162	128	78	38.60	38.60	NUM
fsr-3162	128	79	graduate	graduate	NOUN
fsr-3162	128	80	25,000	25,000	NUM
fsr-3162	128	81	4.20	4.20	NUM
fsr-3162	128	82	other	other	ADJ
fsr-3162	128	83	25,000	25,000	NUM
fsr-3162	128	84	0.15	0.15	NUM
fsr-3162	128	85	%	%	NOUN
fsr-3162	128	86	with	with	ADP
fsr-3162	128	87	household	household	NOUN
fsr-3162	128	88	income	income	NOUN
fsr-3162	128	89	=	=	SYM
fsr-3162	128	90	0	0	NUM
fsr-3162	128	91	mil	mil	NOUN
fsr-3162	128	92	.	.	PUNCT
fsr-3162	129	1	yen	yen	NOUN
fsr-3162	129	2	25,000	25,000	NUM
fsr-3162	129	3	3.60	3.60	NUM
fsr-3162	129	4	>	>	SYM
fsr-3162	129	5	0	0	NUM
fsr-3162	129	6	and	and	CCONJ
fsr-3162	129	7	<	<	X
fsr-3162	129	8	2.5	2.5	NUM
fsr-3162	129	9	mil	mil	NOUN
fsr-3162	129	10	.	.	PUNCT
fsr-3162	130	1	yen	yen	NOUN
fsr-3162	130	2	25,000	25,000	NUM
fsr-3162	130	3	15.70	15.70	NUM
fsr-3162	130	4	>	>	SYM
fsr-3162	130	5	2.5	2.5	NUM
fsr-3162	130	6	and	and	CCONJ
fsr-3162	130	7	<	<	X
fsr-3162	130	8	5	5	NUM
fsr-3162	130	9	mil	mil	NOUN
fsr-3162	130	10	.	.	PUNCT
fsr-3162	131	1	yen	yen	NOUN
fsr-3162	131	2	25,000	25,000	NUM
fsr-3162	131	3	28.90	28.90	NUM
fsr-3162	131	4	>	>	SYM
fsr-3162	131	5	5	5	NUM
fsr-3162	131	6	and	and	CCONJ
fsr-3162	131	7	<	<	X
fsr-3162	131	8	7.5	7.5	NUM
fsr-3162	131	9	mil	mil	NOUN
fsr-3162	131	10	.	.	PUNCT
fsr-3162	132	1	yen	yen	NOUN
fsr-3162	132	2	25,000	25,000	NUM
fsr-3162	132	3	16.64	16.64	NUM
fsr-3162	132	4	>	>	SYM
fsr-3162	132	5	7.5	7.5	NUM
fsr-3162	132	6	and	and	CCONJ
fsr-3162	132	7	<	<	X
fsr-3162	132	8	10	10	NUM
fsr-3162	132	9	mil	mil	NOUN
fsr-3162	132	10	.	.	PUNCT
fsr-3162	133	1	yen	yen	NOUN
fsr-3162	133	2	25,000	25,000	NUM
fsr-3162	133	3	9.68	9.68	NUM
fsr-3162	133	4	>	>	SYM
fsr-3162	133	5	10	10	NUM
fsr-3162	133	6	and	and	CCONJ
fsr-3162	133	7	<	<	X
fsr-3162	133	8	15	15	NUM
fsr-3162	133	9	mil	mil	NOUN
fsr-3162	133	10	.	.	PUNCT
fsr-3162	134	1	yen	yen	NOUN
fsr-3162	134	2	25,000	25,000	NUM
fsr-3162	134	3	5.12	5.12	NUM
fsr-3162	134	4	>	>	SYM
fsr-3162	134	5	15	15	NUM
fsr-3162	134	6	mil	mil	NOUN
fsr-3162	134	7	.	.	PUNCT
fsr-3162	135	1	yen	yen	NOUN
fsr-3162	135	2	25,000	25,000	NUM
fsr-3162	135	3	1.62	1.62	NUM
fsr-3162	135	4	do	do	AUX
fsr-3162	135	5	n’t	not	PART
fsr-3162	135	6	know	know	VERB
fsr-3162	135	7	25,000	25,000	NUM
fsr-3162	135	8	18.75	18.75	NUM
fsr-3162	135	9	%	%	NOUN
fsr-3162	135	10	receiving	receive	VERB
fsr-3162	135	11	fin	fin	NOUN
fsr-3162	135	12	.	.	PUNCT
fsr-3162	136	1	teaching	teach	VERB
fsr-3162	136	2	by	by	ADP
fsr-3162	136	3	parents	parent	NOUN
fsr-3162	136	4	only	only	ADV
fsr-3162	136	5	25,000	25,000	NUM
fsr-3162	136	6	17.04	17.04	NUM
fsr-3162	136	7	%	%	NOUN
fsr-3162	136	8	receiving	receive	VERB
fsr-3162	136	9	fin	fin	NOUN
fsr-3162	136	10	.	.	PUNCT
fsr-3162	137	1	education	education	NOUN
fsr-3162	137	2	at	at	ADP
fsr-3162	137	3	school	school	NOUN
fsr-3162	137	4	/	/	SYM
fsr-3162	137	5	work	work	NOUN
fsr-3162	137	6	only	only	ADV
fsr-3162	137	7	25,000	25,000	NUM
fsr-3162	137	8	3.82	3.82	NUM
fsr-3162	137	9	%	%	NOUN
fsr-3162	137	10	receiving	receive	VERB
fsr-3162	137	11	both	both	CCONJ
fsr-3162	137	12	at	at	ADP
fsr-3162	137	13	home	home	NOUN
fsr-3162	137	14	&	&	CCONJ
fsr-3162	137	15	school	school	NOUN
fsr-3162	137	16	/	/	SYM
fsr-3162	137	17	work	work	NOUN
fsr-3162	137	18	25,000	25,000	NUM
fsr-3162	137	19	2.76	2.76	NUM
fsr-3162	137	20	%	%	NOUN
fsr-3162	137	21	receiving	receive	VERB
fsr-3162	137	22	non	non	NOUN
fsr-3162	137	23	at	at	ADP
fsr-3162	137	24	home	home	NOUN
fsr-3162	137	25	or	or	CCONJ
fsr-3162	137	26	school	school	NOUN
fsr-3162	137	27	/	/	SYM
fsr-3162	137	28	work	work	NOUN
fsr-3162	137	29	25,000	25,000	NUM
fsr-3162	137	30	76.38	76.38	NUM
fsr-3162	137	31	carefully	carefully	ADV
fsr-3162	137	32	consider	consider	VERB
fsr-3162	137	33	before	before	ADP
fsr-3162	137	34	buying	buying	NOUN
fsr-3162	137	35	(	(	PUNCT
fsr-3162	137	36	from	from	ADP
fsr-3162	137	37	1	1	NUM
fsr-3162	137	38	to	to	PART
fsr-3162	137	39	5	5	NUM
fsr-3162	137	40	)	)	PUNCT
fsr-3162	137	41	25,000	25,000	NUM
fsr-3162	137	42	3.94	3.94	NUM
fsr-3162	137	43	pay	pay	NOUN
fsr-3162	137	44	bills	bill	NOUN
fsr-3162	137	45	on	on	ADP
fsr-3162	137	46	time	time	NOUN
fsr-3162	137	47	(	(	PUNCT
fsr-3162	137	48	from	from	ADP
fsr-3162	137	49	1	1	NUM
fsr-3162	137	50	to	to	PART
fsr-3162	137	51	5	5	NUM
fsr-3162	137	52	)	)	PUNCT
fsr-3162	137	53	25,000	25,000	NUM
fsr-3162	137	54	4.42	4.42	NUM
fsr-3162	137	55	keep	keep	VERB
fsr-3162	137	56	a	a	DET
fsr-3162	137	57	close	close	ADJ
fsr-3162	137	58	eye	eye	NOUN
fsr-3162	137	59	on	on	ADP
fsr-3162	137	60	financial	financial	ADJ
fsr-3162	137	61	affairs	affair	NOUN
fsr-3162	137	62	(	(	PUNCT
fsr-3162	137	63	from	from	ADP
fsr-3162	137	64	1	1	NUM
fsr-3162	137	65	to	to	PART
fsr-3162	137	66	5	5	NUM
fsr-3162	137	67	)	)	PUNCT
fsr-3162	137	68	25,000	25,000	NUM
fsr-3162	137	69	3.65	3.65	NUM
fsr-3162	137	70	%	%	NOUN
fsr-3162	137	71	have	have	VERB
fsr-3162	137	72	a	a	DET
fsr-3162	137	73	3	3	NUM
fsr-3162	137	74	-	-	PUNCT
fsr-3162	137	75	month	month	NOUN
fsr-3162	137	76	emergency	emergency	NOUN
fsr-3162	137	77	fund	fund	NOUN
fsr-3162	137	78	25,000	25,000	NUM
fsr-3162	137	79	54.85	54.85	NUM
fsr-3162	137	80	stock	stock	NOUN
fsr-3162	137	81	investment	investment	NOUN
fsr-3162	137	82	25,000	25,000	NUM
fsr-3162	137	83	32.64	32.64	NUM
fsr-3162	137	84	%	%	NOUN
fsr-3162	137	85	estimate	estimate	NOUN
fsr-3162	137	86	post	post	ADJ
fsr-3162	137	87	-	-	ADJ
fsr-3162	137	88	retirement	retirement	ADJ
fsr-3162	137	89	expenses	expense	NOUN
fsr-3162	137	90	25,000	25,000	NUM
fsr-3162	137	91	49.39	49.39	NUM
fsr-3162	137	92	%	%	NOUN
fsr-3162	137	93	have	have	VERB
fsr-3162	137	94	a	a	DET
fsr-3162	137	95	plan	plan	NOUN
fsr-3162	137	96	for	for	ADP
fsr-3162	137	97	post	post	ADJ
fsr-3162	137	98	-	-	ADJ
fsr-3162	137	99	retirement	retirement	ADJ
fsr-3162	137	100	expenses	expense	NOUN
fsr-3162	137	101	14,185	14,185	NUM
fsr-3162	137	102	35.59	35.59	NUM
fsr-3162	137	103	%	%	NOUN
fsr-3162	137	104	set	set	VERB
fsr-3162	137	105	aside	aside	ADP
fsr-3162	137	106	post	post	ADJ
fsr-3162	137	107	-	-	ADJ
fsr-3162	137	108	retirement	retirement	ADJ
fsr-3162	137	109	expenses	expense	NOUN
fsr-3162	137	110	14,185	14,185	NUM
fsr-3162	137	111	26.04	26.04	NUM
fsr-3162	137	112	%	%	NOUN
fsr-3162	137	113	correctly	correctly	ADV
fsr-3162	137	114	answered	answer	VERB
fsr-3162	137	115	0	0	NUM
fsr-3162	137	116	question	question	NOUN
fsr-3162	137	117	25,000	25,000	NUM
fsr-3162	137	118	15.22	15.22	NUM
fsr-3162	137	119	1	1	NUM
fsr-3162	137	120	question	question	NOUN
fsr-3162	137	121	25,000	25,000	NUM
fsr-3162	137	122	16.19	16.19	NUM
fsr-3162	137	123	2	2	NUM
fsr-3162	137	124	questions	question	NOUN
fsr-3162	137	125	25,000	25,000	NUM
fsr-3162	137	126	18.58	18.58	NUM
fsr-3162	137	127	3	3	NUM
fsr-3162	137	128	questions	question	NOUN
fsr-3162	137	129	25,000	25,000	NUM
fsr-3162	137	130	20.44	20.44	NUM
fsr-3162	137	131	4	4	NUM
fsr-3162	137	132	questions	question	NOUN
fsr-3162	137	133	25,000	25,000	NUM
fsr-3162	137	134	19.59	19.59	NUM
fsr-3162	137	135	5	5	NUM
fsr-3162	137	136	questions	question	NOUN
fsr-3162	137	137	25,000	25,000	NUM
fsr-3162	137	138	9.99	9.99	NUM
fsr-3162	137	139	t.-m	t.-m	NOUN
fsr-3162	137	140	.	.	PUNCT
fsr-3162	138	1	yeh	yeh	PROPN
fsr-3162	138	2	/	/	SYM
fsr-3162	138	3	financial	financial	ADJ
fsr-3162	138	4	services	service	NOUN
fsr-3162	138	5	review	review	VERB
fsr-3162	138	6	30	30	NUM
fsr-3162	138	7	(	(	PUNCT
fsr-3162	138	8	2022	2022	NUM
fsr-3162	138	9	)	)	PUNCT
fsr-3162	139	1	297–320	297–320	NUM
fsr-3162	139	2	303	303	NUM
fsr-3162	139	3	number	number	NOUN
fsr-3162	139	4	epitomizes	epitomize	VERB
fsr-3162	139	5	the	the	DET
fsr-3162	139	6	fact	fact	NOUN
fsr-3162	139	7	that	that	SCONJ
fsr-3162	139	8	financial	financial	ADJ
fsr-3162	139	9	education	education	NOUN
fsr-3162	139	10	has	have	AUX
fsr-3162	139	11	not	not	PART
fsr-3162	139	12	been	be	AUX
fsr-3162	139	13	emphasized	emphasize	VERB
fsr-3162	139	14	in	in	ADP
fsr-3162	139	15	the	the	DET
fsr-3162	139	16	japanese	japanese	ADJ
fsr-3162	139	17	education	education	NOUN
fsr-3162	139	18	system	system	NOUN
fsr-3162	139	19	.	.	PUNCT
fsr-3162	140	1	i	i	PRON
fsr-3162	140	2	constructed	construct	VERB
fsr-3162	140	3	four	four	NUM
fsr-3162	140	4	dummy	dummy	ADJ
fsr-3162	140	5	variables	variable	NOUN
fsr-3162	140	6	regarding	regard	VERB
fsr-3162	140	7	the	the	DET
fsr-3162	140	8	financial	financial	ADJ
fsr-3162	140	9	education	education	NOUN
fsr-3162	140	10	experience	experience	NOUN
fsr-3162	140	11	.	.	PUNCT
fsr-3162	141	1	“	"	PUNCT
fsr-3162	141	2	fin	fin	NOUN
fsr-3162	141	3	.	.	PUNCT
fsr-3162	142	1	teaching	teaching	NOUN
fsr-3162	142	2	by	by	ADP
fsr-3162	142	3	parents	parent	NOUN
fsr-3162	142	4	only	only	ADV
fsr-3162	142	5	”	"	PUNCT
fsr-3162	142	6	dummy	dummy	NOUN
fsr-3162	142	7	indicated	indicate	VERB
fsr-3162	142	8	those	those	PRON
fsr-3162	142	9	who	who	PRON
fsr-3162	142	10	received	receive	VERB
fsr-3162	142	11	financial	financial	ADJ
fsr-3162	142	12	advice	advice	NOUN
fsr-3162	142	13	from	from	ADP
fsr-3162	142	14	parents	parent	NOUN
fsr-3162	142	15	but	but	CCONJ
fsr-3162	142	16	did	do	AUX
fsr-3162	142	17	not	not	PART
fsr-3162	142	18	receive	receive	VERB
fsr-3162	142	19	financial	financial	ADJ
fsr-3162	142	20	education	education	NOUN
fsr-3162	142	21	at	at	ADP
fsr-3162	142	22	school	school	NOUN
fsr-3162	142	23	/	/	SYM
fsr-3162	142	24	workplace	workplace	NOUN
fsr-3162	142	25	.	.	PUNCT
fsr-3162	143	1	“	"	PUNCT
fsr-3162	143	2	fin	fin	NOUN
fsr-3162	143	3	.	.	PUNCT
fsr-3162	143	4	education	education	NOUN
fsr-3162	143	5	at	at	ADP
fsr-3162	143	6	school	school	NOUN
fsr-3162	143	7	/	/	SYM
fsr-3162	143	8	work	work	NOUN
fsr-3162	143	9	only	only	ADV
fsr-3162	143	10	”	"	PUNCT
fsr-3162	143	11	dummy	dummy	NOUN
fsr-3162	143	12	indicated	indicate	VERB
fsr-3162	143	13	those	those	PRON
fsr-3162	143	14	who	who	PRON
fsr-3162	143	15	received	receive	VERB
fsr-3162	143	16	financial	financial	ADJ
fsr-3162	143	17	education	education	NOUN
fsr-3162	143	18	at	at	ADP
fsr-3162	143	19	school	school	NOUN
fsr-3162	143	20	/	/	SYM
fsr-3162	143	21	workplace	workplace	NOUN
fsr-3162	143	22	but	but	CCONJ
fsr-3162	143	23	not	not	PART
fsr-3162	143	24	financial	financial	ADJ
fsr-3162	143	25	advising	advising	NOUN
fsr-3162	143	26	by	by	ADP
fsr-3162	143	27	parents	parent	NOUN
fsr-3162	143	28	.	.	PUNCT
fsr-3162	144	1	“	"	PUNCT
fsr-3162	144	2	both	both	CCONJ
fsr-3162	144	3	at	at	ADP
fsr-3162	144	4	home	home	NOUN
fsr-3162	144	5	and	and	CCONJ
fsr-3162	144	6	school	school	NOUN
fsr-3162	144	7	/	/	SYM
fsr-3162	144	8	work	work	NOUN
fsr-3162	144	9	”	"	PUNCT
fsr-3162	144	10	was	be	AUX
fsr-3162	144	11	defined	define	VERB
fsr-3162	144	12	as	as	ADP
fsr-3162	144	13	those	those	PRON
fsr-3162	144	14	receiving	receive	VERB
fsr-3162	144	15	financial	financial	ADJ
fsr-3162	144	16	advice	advice	NOUN
fsr-3162	144	17	from	from	ADP
fsr-3162	144	18	parents	parent	NOUN
fsr-3162	144	19	as	as	ADV
fsr-3162	144	20	well	well	ADV
fsr-3162	144	21	as	as	ADP
fsr-3162	144	22	financial	financial	ADJ
fsr-3162	144	23	education	education	NOUN
fsr-3162	144	24	at	at	ADP
fsr-3162	144	25	school	school	NOUN
fsr-3162	144	26	/	/	SYM
fsr-3162	144	27	work	work	NOUN
fsr-3162	144	28	.	.	PUNCT
fsr-3162	145	1	finally	finally	ADV
fsr-3162	145	2	,	,	PUNCT
fsr-3162	145	3	the	the	DET
fsr-3162	145	4	“	"	PUNCT
fsr-3162	145	5	no	no	DET
fsr-3162	145	6	fin	fin	NOUN
fsr-3162	145	7	.	.	PUNCT
fsr-3162	146	1	education	education	NOUN
fsr-3162	146	2	”	"	PUNCT
fsr-3162	146	3	dummy	dummy	NOUN
fsr-3162	146	4	was	be	AUX
fsr-3162	146	5	defined	define	VERB
fsr-3162	146	6	for	for	ADP
fsr-3162	146	7	the	the	DET
fsr-3162	146	8	remaining	remain	VERB
fsr-3162	146	9	respondents	respondent	NOUN
fsr-3162	146	10	.	.	PUNCT
fsr-3162	147	1	the	the	DET
fsr-3162	147	2	middle	middle	NOUN
fsr-3162	147	3	of	of	ADP
fsr-3162	147	4	table	table	NOUN
fsr-3162	147	5	1	1	NUM
fsr-3162	147	6	reports	report	NOUN
fsr-3162	147	7	that	that	SCONJ
fsr-3162	147	8	76.4	76.4	NUM
fsr-3162	147	9	%	%	NOUN
fsr-3162	147	10	received	receive	VERB
fsr-3162	147	11	no	no	DET
fsr-3162	147	12	financial	financial	ADJ
fsr-3162	147	13	teaching	teaching	NOUN
fsr-3162	147	14	at	at	ADP
fsr-3162	147	15	home	home	NOUN
fsr-3162	147	16	or	or	CCONJ
fsr-3162	147	17	school	school	NOUN
fsr-3162	147	18	or	or	CCONJ
fsr-3162	147	19	workplace	workplace	NOUN
fsr-3162	147	20	,	,	PUNCT
fsr-3162	147	21	while	while	SCONJ
fsr-3162	147	22	17	17	NUM
fsr-3162	147	23	%	%	NOUN
fsr-3162	147	24	received	receive	VERB
fsr-3162	147	25	financial	financial	ADJ
fsr-3162	147	26	teaching	teaching	NOUN
fsr-3162	147	27	from	from	ADP
fsr-3162	147	28	parents	parent	NOUN
fsr-3162	147	29	only	only	ADV
fsr-3162	147	30	,	,	PUNCT
fsr-3162	147	31	3.8	3.8	NUM
fsr-3162	147	32	%	%	NOUN
fsr-3162	147	33	at	at	ADP
fsr-3162	147	34	school	school	NOUN
fsr-3162	147	35	or	or	CCONJ
fsr-3162	147	36	work	work	NOUN
fsr-3162	147	37	only	only	ADV
fsr-3162	147	38	,	,	PUNCT
fsr-3162	147	39	and	and	CCONJ
fsr-3162	147	40	2.76	2.76	NUM
fsr-3162	147	41	%	%	NOUN
fsr-3162	147	42	both	both	PRON
fsr-3162	147	43	.	.	PUNCT
fsr-3162	148	1	3.2	3.2	NUM
fsr-3162	148	2	.	.	PUNCT
fsr-3162	149	1	variables	variable	NOUN
fsr-3162	149	2	on	on	ADP
fsr-3162	149	3	financial	financial	ADJ
fsr-3162	149	4	behaviors	behavior	NOUN
fsr-3162	149	5	following	follow	VERB
fsr-3162	149	6	wagner	wagner	PROPN
fsr-3162	149	7	and	and	CCONJ
fsr-3162	149	8	walstad	walstad	PROPN
fsr-3162	149	9	(	(	PUNCT
fsr-3162	149	10	2019	2019	NUM
fsr-3162	149	11	)	)	PUNCT
fsr-3162	149	12	,	,	PUNCT
fsr-3162	149	13	i	i	PRON
fsr-3162	149	14	constructed	construct	VERB
fsr-3162	149	15	variables	variable	NOUN
fsr-3162	149	16	for	for	ADP
fsr-3162	149	17	an	an	DET
fsr-3162	149	18	individual	individual	NOUN
fsr-3162	149	19	’s	’s	PART
fsr-3162	149	20	shortterm	shortterm	NOUN
fsr-3162	149	21	and	and	CCONJ
fsr-3162	149	22	long	long	ADJ
fsr-3162	149	23	-	-	PUNCT
fsr-3162	149	24	term	term	NOUN
fsr-3162	149	25	financial	financial	ADJ
fsr-3162	149	26	behaviors	behavior	NOUN
fsr-3162	149	27	.	.	PUNCT
fsr-3162	150	1	these	these	DET
fsr-3162	150	2	variables	variable	NOUN
fsr-3162	150	3	are	be	AUX
fsr-3162	150	4	based	base	VERB
fsr-3162	150	5	on	on	ADP
fsr-3162	150	6	replies	reply	NOUN
fsr-3162	150	7	to	to	ADP
fsr-3162	150	8	the	the	DET
fsr-3162	150	9	following	follow	VERB
fsr-3162	150	10	fls	fls	PROPN
fsr-3162	150	11	questions	question	NOUN
fsr-3162	150	12	.	.	PUNCT
fsr-3162	151	1	descriptive	descriptive	ADJ
fsr-3162	151	2	statistics	statistic	NOUN
fsr-3162	151	3	are	be	AUX
fsr-3162	151	4	reported	report	VERB
fsr-3162	151	5	in	in	ADP
fsr-3162	151	6	the	the	DET
fsr-3162	151	7	lower	low	ADJ
fsr-3162	151	8	part	part	NOUN
fsr-3162	151	9	of	of	ADP
fsr-3162	151	10	table	table	NOUN
fsr-3162	151	11	1	1	NUM
fsr-3162	151	12	.	.	NOUN
fsr-3162	151	13	3.3	3.3	NUM
fsr-3162	151	14	.	.	PUNCT
fsr-3162	152	1	short	short	ADJ
fsr-3162	152	2	-	-	PUNCT
fsr-3162	152	3	term	term	NOUN
fsr-3162	152	4	financial	financial	ADJ
fsr-3162	152	5	behavior	behavior	NOUN
fsr-3162	152	6	variables	variable	VERB
fsr-3162	152	7	1	1	NUM
fsr-3162	152	8	.	.	PUNCT
fsr-3162	153	1	“	"	PUNCT
fsr-3162	153	2	before	before	SCONJ
fsr-3162	153	3	i	i	PRON
fsr-3162	153	4	buy	buy	VERB
fsr-3162	153	5	something	something	PRON
fsr-3162	153	6	,	,	PUNCT
fsr-3162	153	7	i	i	PRON
fsr-3162	153	8	carefully	carefully	ADV
fsr-3162	153	9	consider	consider	VERB
fsr-3162	153	10	whether	whether	SCONJ
fsr-3162	153	11	i	i	PRON
fsr-3162	153	12	can	can	AUX
fsr-3162	153	13	afford	afford	VERB
fsr-3162	153	14	it	it	PRON
fsr-3162	153	15	.	.	PUNCT
fsr-3162	153	16	”	"	PUNCT
fsr-3162	154	1	on	on	ADP
fsr-3162	154	2	a	a	DET
fsr-3162	154	3	scale	scale	NOUN
fsr-3162	154	4	of	of	ADP
fsr-3162	154	5	1	1	NUM
fsr-3162	154	6	to	to	PART
fsr-3162	154	7	5	5	NUM
fsr-3162	154	8	,	,	PUNCT
fsr-3162	154	9	33.8	33.8	NUM
fsr-3162	154	10	%	%	NOUN
fsr-3162	154	11	indicated	indicate	VERB
fsr-3162	154	12	“	"	PUNCT
fsr-3162	154	13	5	5	NUM
fsr-3162	154	14	=	=	PRON
fsr-3162	154	15	strongly	strongly	ADV
fsr-3162	154	16	agree	agree	VERB
fsr-3162	154	17	,	,	PUNCT
fsr-3162	154	18	”	"	PUNCT
fsr-3162	154	19	36.7	36.7	NUM
fsr-3162	154	20	%	%	NOUN
fsr-3162	154	21	“	"	PUNCT
fsr-3162	154	22	4	4	NUM
fsr-3162	154	23	=	=	NOUN
fsr-3162	154	24	agree	agree	VERB
fsr-3162	154	25	,	,	PUNCT
fsr-3162	154	26	”	"	PUNCT
fsr-3162	154	27	22	22	NUM
fsr-3162	154	28	%	%	NOUN
fsr-3162	154	29	“	"	PUNCT
fsr-3162	154	30	3	3	NUM
fsr-3162	154	31	=	=	SYM
fsr-3162	154	32	neutral	neutral	ADJ
fsr-3162	154	33	,	,	PUNCT
fsr-3162	154	34	”	"	PUNCT
fsr-3162	154	35	5.3	5.3	NUM
fsr-3162	154	36	%	%	NOUN
fsr-3162	154	37	“	"	PUNCT
fsr-3162	154	38	2	2	NUM
fsr-3162	154	39	=	=	NOUN
fsr-3162	154	40	disagree	disagree	VERB
fsr-3162	154	41	,	,	PUNCT
fsr-3162	154	42	”	"	PUNCT
fsr-3162	154	43	and	and	CCONJ
fsr-3162	154	44	2.3	2.3	NUM
fsr-3162	154	45	%	%	NOUN
fsr-3162	154	46	“	"	PUNCT
fsr-3162	154	47	1	1	NUM
fsr-3162	154	48	=	=	PRON
fsr-3162	154	49	strongly	strongly	ADV
fsr-3162	154	50	disagree	disagree	VERB
fsr-3162	154	51	.	.	PUNCT
fsr-3162	154	52	”	"	PUNCT
fsr-3162	155	1	the	the	DET
fsr-3162	155	2	average	average	ADJ
fsr-3162	155	3	score	score	NOUN
fsr-3162	155	4	was	be	AUX
fsr-3162	155	5	3.9	3.9	NUM
fsr-3162	155	6	.	.	PUNCT
fsr-3162	156	1	a	a	DET
fsr-3162	156	2	category	category	NOUN
fsr-3162	156	3	variable	variable	NOUN
fsr-3162	156	4	was	be	AUX
fsr-3162	156	5	defined	define	VERB
fsr-3162	156	6	for	for	ADP
fsr-3162	156	7	this	this	DET
fsr-3162	156	8	behavior	behavior	NOUN
fsr-3162	156	9	,	,	PUNCT
fsr-3162	156	10	taking	take	VERB
fsr-3162	156	11	values	value	NOUN
fsr-3162	156	12	from	from	ADP
fsr-3162	156	13	1	1	NUM
fsr-3162	156	14	to	to	ADP
fsr-3162	156	15	5	5	NUM
fsr-3162	156	16	.	.	NOUN
fsr-3162	156	17	2	2	NUM
fsr-3162	156	18	.	.	PUNCT
fsr-3162	157	1	“	"	PUNCT
fsr-3162	157	2	i	i	PRON
fsr-3162	157	3	pay	pay	VERB
fsr-3162	157	4	my	my	PRON
fsr-3162	157	5	bills	bill	NOUN
fsr-3162	157	6	on	on	ADP
fsr-3162	157	7	time	time	NOUN
fsr-3162	157	8	.	.	PUNCT
fsr-3162	157	9	”	"	PUNCT
fsr-3162	158	1	on	on	ADP
fsr-3162	158	2	a	a	DET
fsr-3162	158	3	scale	scale	NOUN
fsr-3162	158	4	of	of	ADP
fsr-3162	158	5	1	1	NUM
fsr-3162	158	6	to	to	PART
fsr-3162	158	7	5	5	NUM
fsr-3162	158	8	,	,	PUNCT
fsr-3162	158	9	63.5	63.5	NUM
fsr-3162	158	10	%	%	NOUN
fsr-3162	158	11	indicated	indicate	VERB
fsr-3162	158	12	“	"	PUNCT
fsr-3162	158	13	5	5	NUM
fsr-3162	158	14	=	=	PRON
fsr-3162	158	15	strongly	strongly	ADV
fsr-3162	158	16	agree	agree	VERB
fsr-3162	158	17	,	,	PUNCT
fsr-3162	158	18	”	"	PUNCT
fsr-3162	158	19	21	21	NUM
fsr-3162	158	20	%	%	NOUN
fsr-3162	158	21	“	"	PUNCT
fsr-3162	158	22	4	4	NUM
fsr-3162	158	23	=	=	NOUN
fsr-3162	158	24	agree	agree	VERB
fsr-3162	158	25	,	,	PUNCT
fsr-3162	158	26	”	"	PUNCT
fsr-3162	158	27	11.3	11.3	NUM
fsr-3162	158	28	%	%	NOUN
fsr-3162	158	29	“	"	PUNCT
fsr-3162	158	30	3	3	NUM
fsr-3162	158	31	=	=	SYM
fsr-3162	158	32	neutral	neutral	ADJ
fsr-3162	158	33	,	,	PUNCT
fsr-3162	158	34	”	"	PUNCT
fsr-3162	158	35	2.7	2.7	NUM
fsr-3162	158	36	%	%	NOUN
fsr-3162	158	37	“	"	PUNCT
fsr-3162	158	38	2	2	NUM
fsr-3162	158	39	=	=	NOUN
fsr-3162	158	40	disagree	disagree	VERB
fsr-3162	158	41	,	,	PUNCT
fsr-3162	158	42	”	"	PUNCT
fsr-3162	158	43	and	and	CCONJ
fsr-3162	158	44	1.5	1.5	NUM
fsr-3162	158	45	%	%	NOUN
fsr-3162	158	46	“	"	PUNCT
fsr-3162	158	47	1	1	NUM
fsr-3162	158	48	=	=	PRON
fsr-3162	158	49	strongly	strongly	ADV
fsr-3162	158	50	disagree	disagree	VERB
fsr-3162	158	51	.	.	PUNCT
fsr-3162	158	52	”	"	PUNCT
fsr-3162	159	1	the	the	DET
fsr-3162	159	2	average	average	ADJ
fsr-3162	159	3	score	score	NOUN
fsr-3162	159	4	was	be	AUX
fsr-3162	159	5	4.42	4.42	NUM
fsr-3162	159	6	.	.	PUNCT
fsr-3162	160	1	a	a	DET
fsr-3162	160	2	category	category	NOUN
fsr-3162	160	3	variable	variable	NOUN
fsr-3162	160	4	was	be	AUX
fsr-3162	160	5	defined	define	VERB
fsr-3162	160	6	by	by	ADP
fsr-3162	160	7	taking	take	VERB
fsr-3162	160	8	values	value	NOUN
fsr-3162	160	9	from	from	ADP
fsr-3162	160	10	1	1	NUM
fsr-3162	160	11	to	to	ADP
fsr-3162	160	12	5	5	NUM
fsr-3162	160	13	.	.	NOUN
fsr-3162	161	1	3	3	NUM
fsr-3162	161	2	.	.	PUNCT
fsr-3162	162	1	“	"	PUNCT
fsr-3162	162	2	i	i	PRON
fsr-3162	162	3	watch	watch	VERB
fsr-3162	162	4	my	my	PRON
fsr-3162	162	5	financial	financial	ADJ
fsr-3162	162	6	affairs	affair	NOUN
fsr-3162	162	7	closely	closely	ADV
fsr-3162	162	8	.	.	PUNCT
fsr-3162	162	9	”	"	PUNCT
fsr-3162	163	1	on	on	ADP
fsr-3162	163	2	a	a	DET
fsr-3162	163	3	scale	scale	NOUN
fsr-3162	163	4	of	of	ADP
fsr-3162	163	5	1	1	NUM
fsr-3162	163	6	to	to	PART
fsr-3162	163	7	5	5	NUM
fsr-3162	163	8	,	,	PUNCT
fsr-3162	163	9	22.5	22.5	NUM
fsr-3162	163	10	%	%	NOUN
fsr-3162	163	11	indicated	indicate	VERB
fsr-3162	163	12	“	"	PUNCT
fsr-3162	163	13	5	5	NUM
fsr-3162	163	14	=	=	PRON
fsr-3162	163	15	strongly	strongly	ADV
fsr-3162	163	16	agree	agree	VERB
fsr-3162	163	17	,	,	PUNCT
fsr-3162	163	18	”	"	PUNCT
fsr-3162	163	19	34.9	34.9	NUM
fsr-3162	163	20	%	%	NOUN
fsr-3162	163	21	“	"	PUNCT
fsr-3162	163	22	4	4	NUM
fsr-3162	163	23	=	=	NOUN
fsr-3162	163	24	agree	agree	VERB
fsr-3162	163	25	,	,	PUNCT
fsr-3162	163	26	”	"	PUNCT
fsr-3162	163	27	30.4	30.4	NUM
fsr-3162	163	28	%	%	NOUN
fsr-3162	163	29	“	"	PUNCT
fsr-3162	163	30	3	3	NUM
fsr-3162	163	31	=	=	SYM
fsr-3162	163	32	neutral	neutral	ADJ
fsr-3162	163	33	,	,	PUNCT
fsr-3162	163	34	”	"	PUNCT
fsr-3162	163	35	8.8	8.8	NUM
fsr-3162	163	36	%	%	NOUN
fsr-3162	163	37	“	"	PUNCT
fsr-3162	163	38	2	2	NUM
fsr-3162	163	39	=	=	NOUN
fsr-3162	163	40	disagree	disagree	VERB
fsr-3162	163	41	,	,	PUNCT
fsr-3162	163	42	”	"	PUNCT
fsr-3162	163	43	and	and	CCONJ
fsr-3162	163	44	3.3	3.3	NUM
fsr-3162	163	45	%	%	NOUN
fsr-3162	163	46	“	"	PUNCT
fsr-3162	163	47	1	1	NUM
fsr-3162	163	48	=	=	PRON
fsr-3162	163	49	strongly	strongly	ADV
fsr-3162	163	50	disagree	disagree	VERB
fsr-3162	163	51	.	.	PUNCT
fsr-3162	163	52	”	"	PUNCT
fsr-3162	164	1	the	the	DET
fsr-3162	164	2	average	average	ADJ
fsr-3162	164	3	score	score	NOUN
fsr-3162	164	4	was	be	AUX
fsr-3162	164	5	3.65	3.65	NUM
fsr-3162	164	6	.	.	PUNCT
fsr-3162	165	1	a	a	DET
fsr-3162	165	2	category	category	NOUN
fsr-3162	165	3	variable	variable	NOUN
fsr-3162	165	4	was	be	AUX
fsr-3162	165	5	defined	define	VERB
fsr-3162	165	6	by	by	ADP
fsr-3162	165	7	taking	take	VERB
fsr-3162	165	8	values	value	NOUN
fsr-3162	165	9	from	from	ADP
fsr-3162	165	10	1	1	NUM
fsr-3162	165	11	to	to	ADP
fsr-3162	165	12	5	5	NUM
fsr-3162	165	13	.	.	NOUN
fsr-3162	165	14	4	4	NUM
fsr-3162	165	15	.	.	PUNCT
fsr-3162	166	1	“	"	PUNCT
fsr-3162	166	2	have	have	AUX
fsr-3162	166	3	you	you	PRON
fsr-3162	166	4	set	set	VERB
fsr-3162	166	5	aside	aside	ADP
fsr-3162	166	6	emergency	emergency	NOUN
fsr-3162	166	7	funds	fund	NOUN
fsr-3162	166	8	that	that	PRON
fsr-3162	166	9	would	would	AUX
fsr-3162	166	10	cover	cover	VERB
fsr-3162	166	11	your	your	PRON
fsr-3162	166	12	expenses	expense	NOUN
fsr-3162	166	13	for	for	ADP
fsr-3162	166	14	three	three	NUM
fsr-3162	166	15	months	month	NOUN
fsr-3162	166	16	in	in	ADP
fsr-3162	166	17	case	case	NOUN
fsr-3162	166	18	of	of	ADP
fsr-3162	166	19	sickness	sickness	NOUN
fsr-3162	166	20	,	,	PUNCT
fsr-3162	166	21	job	job	NOUN
fsr-3162	166	22	loss	loss	NOUN
fsr-3162	166	23	,	,	PUNCT
fsr-3162	166	24	economic	economic	ADJ
fsr-3162	166	25	downturn	downturn	NOUN
fsr-3162	166	26	,	,	PUNCT
fsr-3162	166	27	or	or	CCONJ
fsr-3162	166	28	other	other	ADJ
fsr-3162	166	29	emergencies	emergency	NOUN
fsr-3162	166	30	?	?	PUNCT
fsr-3162	166	31	”	"	PUNCT
fsr-3162	167	1	here	here	ADV
fsr-3162	167	2	,	,	PUNCT
fsr-3162	167	3	54.9	54.9	NUM
fsr-3162	167	4	%	%	NOUN
fsr-3162	167	5	indicated	indicate	VERB
fsr-3162	167	6	“	"	PUNCT
fsr-3162	167	7	yes	yes	INTJ
fsr-3162	167	8	,	,	PUNCT
fsr-3162	167	9	”	"	PUNCT
fsr-3162	167	10	29.7	29.7	NUM
fsr-3162	167	11	%	%	NOUN
fsr-3162	167	12	“	"	PUNCT
fsr-3162	167	13	no	no	INTJ
fsr-3162	167	14	,	,	PUNCT
fsr-3162	167	15	”	"	PUNCT
fsr-3162	167	16	and	and	CCONJ
fsr-3162	167	17	15.4	15.4	NUM
fsr-3162	167	18	%	%	NOUN
fsr-3162	167	19	“	"	PUNCT
fsr-3162	167	20	do	do	AUX
fsr-3162	167	21	n’t	not	PART
fsr-3162	167	22	know	know	VERB
fsr-3162	167	23	.	.	PUNCT
fsr-3162	167	24	”	"	PUNCT
fsr-3162	168	1	a	a	DET
fsr-3162	168	2	dummy	dummy	ADJ
fsr-3162	168	3	variable	variable	NOUN
fsr-3162	168	4	was	be	AUX
fsr-3162	168	5	defined	define	VERB
fsr-3162	168	6	for	for	ADP
fsr-3162	168	7	those	those	PRON
fsr-3162	168	8	who	who	PRON
fsr-3162	168	9	indicated	indicate	VERB
fsr-3162	168	10	“	"	PUNCT
fsr-3162	168	11	yes	yes	INTJ
fsr-3162	168	12	.	.	PUNCT
fsr-3162	168	13	”	"	PUNCT
fsr-3162	169	1	as	as	SCONJ
fsr-3162	169	2	suggested	suggest	VERB
fsr-3162	169	3	by	by	ADP
fsr-3162	169	4	the	the	DET
fsr-3162	169	5	categorical	categorical	ADJ
fsr-3162	169	6	variables	variable	NOUN
fsr-3162	169	7	,	,	PUNCT
fsr-3162	169	8	most	most	ADJ
fsr-3162	169	9	japanese	japanese	ADJ
fsr-3162	169	10	respondents	respondent	NOUN
fsr-3162	169	11	seemingly	seemingly	ADV
fsr-3162	169	12	displayed	display	VERB
fsr-3162	169	13	a	a	DET
fsr-3162	169	14	prudent	prudent	ADJ
fsr-3162	169	15	financial	financial	ADJ
fsr-3162	169	16	attitude	attitude	NOUN
fsr-3162	169	17	.	.	PUNCT
fsr-3162	170	1	most	most	ADJ
fsr-3162	170	2	respondents	respondent	NOUN
fsr-3162	170	3	were	be	AUX
fsr-3162	170	4	also	also	ADV
fsr-3162	170	5	prepared	prepare	VERB
fsr-3162	170	6	for	for	ADP
fsr-3162	170	7	short	short	ADJ
fsr-3162	170	8	-	-	PUNCT
fsr-3162	170	9	term	term	NOUN
fsr-3162	170	10	financial	financial	ADJ
fsr-3162	170	11	needs	need	NOUN
fsr-3162	170	12	.	.	PUNCT
fsr-3162	171	1	3.4	3.4	NUM
fsr-3162	171	2	.	.	PUNCT
fsr-3162	172	1	long	long	ADJ
fsr-3162	172	2	-	-	PUNCT
fsr-3162	172	3	term	term	NOUN
fsr-3162	172	4	financial	financial	ADJ
fsr-3162	172	5	behavior	behavior	NOUN
fsr-3162	172	6	variables	variable	VERB
fsr-3162	172	7	5	5	NUM
fsr-3162	172	8	.	.	PUNCT
fsr-3162	173	1	“	"	PUNCT
fsr-3162	173	2	have	have	AUX
fsr-3162	173	3	you	you	PRON
fsr-3162	173	4	ever	ever	ADV
fsr-3162	173	5	purchased	purchase	VERB
fsr-3162	173	6	stocks	stock	NOUN
fsr-3162	173	7	?	?	PUNCT
fsr-3162	173	8	”	"	PUNCT
fsr-3162	174	1	32.6	32.6	NUM
fsr-3162	174	2	%	%	NOUN
fsr-3162	174	3	indicate	indicate	VERB
fsr-3162	174	4	“	"	PUNCT
fsr-3162	174	5	yes	yes	INTJ
fsr-3162	174	6	”	"	PUNCT
fsr-3162	174	7	and	and	CCONJ
fsr-3162	174	8	the	the	DET
fsr-3162	174	9	remaining	remain	VERB
fsr-3162	174	10	“	"	PUNCT
fsr-3162	174	11	no	no	INTJ
fsr-3162	174	12	.	.	PUNCT
fsr-3162	174	13	”	"	PUNCT
fsr-3162	175	1	a	a	DET
fsr-3162	175	2	dummy	dummy	ADJ
fsr-3162	175	3	variable	variable	NOUN
fsr-3162	175	4	was	be	AUX
fsr-3162	175	5	defined	define	VERB
fsr-3162	175	6	for	for	ADP
fsr-3162	175	7	those	those	PRON
fsr-3162	175	8	who	who	PRON
fsr-3162	175	9	indicated	indicate	VERB
fsr-3162	175	10	“	"	PUNCT
fsr-3162	175	11	yes	yes	INTJ
fsr-3162	175	12	.	.	PUNCT
fsr-3162	175	13	”	"	PUNCT
fsr-3162	176	1	304	304	NUM
fsr-3162	176	2	t.-m	t.-m	NOUN
fsr-3162	176	3	.	.	PUNCT
fsr-3162	177	1	yeh	yeh	PROPN
fsr-3162	177	2	/	/	SYM
fsr-3162	177	3	financial	financial	ADJ
fsr-3162	177	4	services	service	NOUN
fsr-3162	177	5	review	review	VERB
fsr-3162	177	6	30	30	NUM
fsr-3162	177	7	(	(	PUNCT
fsr-3162	177	8	2022	2022	NUM
fsr-3162	177	9	)	)	PUNCT
fsr-3162	177	10	297–320	297–320	NUM
fsr-3162	177	11	6	6	NUM
fsr-3162	177	12	.	.	PUNCT
fsr-3162	178	1	“	"	PUNCT
fsr-3162	178	2	are	be	AUX
fsr-3162	178	3	you	you	PRON
fsr-3162	178	4	aware	aware	ADJ
fsr-3162	178	5	of	of	ADP
fsr-3162	178	6	the	the	DET
fsr-3162	178	7	amounts	amount	NOUN
fsr-3162	178	8	that	that	PRON
fsr-3162	178	9	will	will	AUX
fsr-3162	178	10	be	be	AUX
fsr-3162	178	11	required	require	VERB
fsr-3162	178	12	for	for	ADP
fsr-3162	178	13	your	your	PRON
fsr-3162	178	14	living	living	NOUN
fsr-3162	178	15	expenses	expense	NOUN
fsr-3162	178	16	for	for	ADP
fsr-3162	178	17	retirement	retirement	NOUN
fsr-3162	178	18	?	?	PUNCT
fsr-3162	178	19	”	"	PUNCT
fsr-3162	178	20	here	here	ADV
fsr-3162	178	21	,	,	PUNCT
fsr-3162	178	22	49.4	49.4	NUM
fsr-3162	178	23	%	%	NOUN
fsr-3162	178	24	indicated	indicate	VERB
fsr-3162	178	25	“	"	PUNCT
fsr-3162	178	26	yes	yes	INTJ
fsr-3162	178	27	”	"	PUNCT
fsr-3162	178	28	and	and	CCONJ
fsr-3162	178	29	50.6	50.6	NUM
fsr-3162	178	30	%	%	NOUN
fsr-3162	178	31	“	"	PUNCT
fsr-3162	178	32	no	no	INTJ
fsr-3162	178	33	.	.	PUNCT
fsr-3162	178	34	”	"	PUNCT
fsr-3162	179	1	a	a	DET
fsr-3162	179	2	dummy	dummy	ADJ
fsr-3162	179	3	variable	variable	NOUN
fsr-3162	179	4	was	be	AUX
fsr-3162	179	5	defined	define	VERB
fsr-3162	179	6	for	for	ADP
fsr-3162	179	7	those	those	PRON
fsr-3162	179	8	who	who	PRON
fsr-3162	179	9	indicated	indicate	VERB
fsr-3162	179	10	“	"	PUNCT
fsr-3162	179	11	yes	yes	INTJ
fsr-3162	179	12	.	.	PUNCT
fsr-3162	179	13	”	"	PUNCT
fsr-3162	180	1	7	7	NUM
fsr-3162	180	2	.	.	PUNCT
fsr-3162	180	3	“	"	PUNCT
fsr-3162	180	4	do	do	AUX
fsr-3162	180	5	you	you	PRON
fsr-3162	180	6	have	have	VERB
fsr-3162	180	7	a	a	DET
fsr-3162	180	8	financial	financial	ADJ
fsr-3162	180	9	plan	plan	NOUN
fsr-3162	180	10	for	for	ADP
fsr-3162	180	11	the	the	DET
fsr-3162	180	12	living	living	NOUN
fsr-3162	180	13	expenses	expense	NOUN
fsr-3162	180	14	you	you	PRON
fsr-3162	180	15	think	think	VERB
fsr-3162	180	16	you	you	PRON
fsr-3162	180	17	will	will	AUX
fsr-3162	180	18	have	have	VERB
fsr-3162	180	19	to	to	PART
fsr-3162	180	20	cover	cover	VERB
fsr-3162	180	21	in	in	ADP
fsr-3162	180	22	the	the	DET
fsr-3162	180	23	future	future	NOUN
fsr-3162	180	24	?	?	PUNCT
fsr-3162	180	25	”	"	PUNCT
fsr-3162	181	1	here	here	ADV
fsr-3162	181	2	,	,	PUNCT
fsr-3162	181	3	35.6	35.6	NUM
fsr-3162	181	4	%	%	NOUN
fsr-3162	181	5	indicated	indicate	VERB
fsr-3162	181	6	“	"	PUNCT
fsr-3162	181	7	yes	yes	INTJ
fsr-3162	181	8	”	"	PUNCT
fsr-3162	181	9	and	and	CCONJ
fsr-3162	181	10	64.4	64.4	NUM
fsr-3162	181	11	%	%	NOUN
fsr-3162	181	12	“	"	PUNCT
fsr-3162	181	13	no	no	INTJ
fsr-3162	181	14	.	.	PUNCT
fsr-3162	181	15	”	"	PUNCT
fsr-3162	182	1	a	a	DET
fsr-3162	182	2	dummy	dummy	ADJ
fsr-3162	182	3	variable	variable	NOUN
fsr-3162	182	4	was	be	AUX
fsr-3162	182	5	defined	define	VERB
fsr-3162	182	6	for	for	ADP
fsr-3162	182	7	those	those	PRON
fsr-3162	182	8	who	who	PRON
fsr-3162	182	9	indicated	indicate	VERB
fsr-3162	182	10	“	"	PUNCT
fsr-3162	182	11	yes	yes	INTJ
fsr-3162	182	12	.	.	PUNCT
fsr-3162	182	13	”	"	PUNCT
fsr-3162	183	1	8	8	NUM
fsr-3162	183	2	.	.	PUNCT
fsr-3162	183	3	“	"	PUNCT
fsr-3162	183	4	have	have	AUX
fsr-3162	183	5	you	you	PRON
fsr-3162	183	6	set	set	VERB
fsr-3162	183	7	aside	aside	ADP
fsr-3162	183	8	funds	fund	NOUN
fsr-3162	183	9	for	for	ADP
fsr-3162	183	10	the	the	DET
fsr-3162	183	11	living	living	NOUN
fsr-3162	183	12	expenses	expense	NOUN
fsr-3162	183	13	you	you	PRON
fsr-3162	183	14	think	think	VERB
fsr-3162	183	15	you	you	PRON
fsr-3162	183	16	will	will	AUX
fsr-3162	183	17	have	have	VERB
fsr-3162	183	18	to	to	PART
fsr-3162	183	19	cover	cover	VERB
fsr-3162	183	20	in	in	ADP
fsr-3162	183	21	the	the	DET
fsr-3162	183	22	future	future	NOUN
fsr-3162	183	23	?	?	PUNCT
fsr-3162	183	24	”	"	PUNCT
fsr-3162	184	1	here	here	ADV
fsr-3162	184	2	,	,	PUNCT
fsr-3162	184	3	26.0	26.0	NUM
fsr-3162	184	4	%	%	NOUN
fsr-3162	184	5	indicated	indicate	VERB
fsr-3162	184	6	“	"	PUNCT
fsr-3162	184	7	yes	yes	INTJ
fsr-3162	184	8	”	"	PUNCT
fsr-3162	184	9	and	and	CCONJ
fsr-3162	184	10	74	74	NUM
fsr-3162	184	11	%	%	NOUN
fsr-3162	184	12	“	"	PUNCT
fsr-3162	184	13	no	no	INTJ
fsr-3162	184	14	.	.	PUNCT
fsr-3162	184	15	”	"	PUNCT
fsr-3162	185	1	a	a	DET
fsr-3162	185	2	dummy	dummy	ADJ
fsr-3162	185	3	variable	variable	NOUN
fsr-3162	185	4	was	be	AUX
fsr-3162	185	5	defined	define	VERB
fsr-3162	185	6	for	for	ADP
fsr-3162	185	7	those	those	PRON
fsr-3162	185	8	who	who	PRON
fsr-3162	185	9	indicated	indicate	VERB
fsr-3162	185	10	“	"	PUNCT
fsr-3162	185	11	yes	yes	INTJ
fsr-3162	185	12	.	.	PUNCT
fsr-3162	185	13	”	"	PUNCT
fsr-3162	186	1	contrary	contrary	ADJ
fsr-3162	186	2	to	to	ADP
fsr-3162	186	3	short	short	ADJ
fsr-3162	186	4	-	-	PUNCT
fsr-3162	186	5	term	term	NOUN
fsr-3162	186	6	financial	financial	ADJ
fsr-3162	186	7	behaviors	behavior	NOUN
fsr-3162	186	8	,	,	PUNCT
fsr-3162	186	9	the	the	DET
fsr-3162	186	10	results	result	NOUN
fsr-3162	186	11	suggest	suggest	VERB
fsr-3162	186	12	that	that	SCONJ
fsr-3162	186	13	most	most	ADJ
fsr-3162	186	14	japanese	japanese	ADJ
fsr-3162	186	15	respondents	respondent	NOUN
fsr-3162	186	16	inadequately	inadequately	ADV
fsr-3162	186	17	plan	plan	VERB
fsr-3162	186	18	and	and	CCONJ
fsr-3162	186	19	prepare	prepare	VERB
fsr-3162	186	20	for	for	ADP
fsr-3162	186	21	their	their	PRON
fsr-3162	186	22	long	long	ADJ
fsr-3162	186	23	-	-	PUNCT
fsr-3162	186	24	term	term	NOUN
fsr-3162	186	25	financial	financial	ADJ
fsr-3162	186	26	needs	need	NOUN
fsr-3162	186	27	.	.	PUNCT
fsr-3162	187	1	3.5	3.5	NUM
fsr-3162	187	2	.	.	PUNCT
fsr-3162	188	1	control	control	NOUN
fsr-3162	188	2	variables	variable	NOUN
fsr-3162	188	3	i	i	PRON
fsr-3162	188	4	also	also	ADV
fsr-3162	188	5	constructed	construct	VERB
fsr-3162	188	6	a	a	DET
fsr-3162	188	7	set	set	NOUN
fsr-3162	188	8	of	of	ADP
fsr-3162	188	9	control	control	NOUN
fsr-3162	188	10	variables	variable	NOUN
fsr-3162	188	11	that	that	PRON
fsr-3162	188	12	may	may	AUX
fsr-3162	188	13	influence	influence	VERB
fsr-3162	188	14	one	one	NUM
fsr-3162	188	15	’s	’s	PART
fsr-3162	188	16	financial	financial	ADJ
fsr-3162	188	17	behaviors	behavior	NOUN
fsr-3162	188	18	,	,	PUNCT
fsr-3162	188	19	such	such	ADJ
fsr-3162	188	20	as	as	ADP
fsr-3162	188	21	age	age	NOUN
fsr-3162	188	22	,	,	PUNCT
fsr-3162	188	23	gender	gender	NOUN
fsr-3162	188	24	,	,	PUNCT
fsr-3162	188	25	occupation	occupation	NOUN
fsr-3162	188	26	,	,	PUNCT
fsr-3162	188	27	education	education	NOUN
fsr-3162	188	28	attainment	attainment	NOUN
fsr-3162	188	29	,	,	PUNCT
fsr-3162	188	30	household	household	NOUN
fsr-3162	188	31	income	income	NOUN
fsr-3162	188	32	,	,	PUNCT
fsr-3162	188	33	and	and	CCONJ
fsr-3162	188	34	residence	residence	NOUN
fsr-3162	188	35	area.2	area.2	PROPN
fsr-3162	188	36	another	another	DET
fsr-3162	188	37	control	control	NOUN
fsr-3162	188	38	variable	variable	NOUN
fsr-3162	188	39	is	be	AUX
fsr-3162	188	40	financial	financial	ADJ
fsr-3162	188	41	literacy	literacy	NOUN
fsr-3162	188	42	,	,	PUNCT
fsr-3162	188	43	which	which	PRON
fsr-3162	188	44	has	have	AUX
fsr-3162	188	45	been	be	AUX
fsr-3162	188	46	documented	document	VERB
fsr-3162	188	47	to	to	PART
fsr-3162	188	48	have	have	VERB
fsr-3162	188	49	a	a	DET
fsr-3162	188	50	bearing	bearing	NOUN
fsr-3162	188	51	on	on	ADP
fsr-3162	188	52	financial	financial	ADJ
fsr-3162	188	53	behaviors	behavior	NOUN
fsr-3162	188	54	(	(	PUNCT
fsr-3162	188	55	behrman	behrman	NOUN
fsr-3162	188	56	et	et	PROPN
fsr-3162	188	57	al	al	PROPN
fsr-3162	188	58	.	.	PROPN
fsr-3162	188	59	,	,	PUNCT
fsr-3162	188	60	2012	2012	NUM
fsr-3162	188	61	;	;	PUNCT
fsr-3162	188	62	disney	disney	PROPN
fsr-3162	188	63	&	&	CCONJ
fsr-3162	188	64	gathergood	gathergood	PROPN
fsr-3162	188	65	,	,	PUNCT
fsr-3162	188	66	2013	2013	NUM
fsr-3162	188	67	;	;	PUNCT
fsr-3162	189	1	klapper	klapper	PROPN
fsr-3162	189	2	et	et	PROPN
fsr-3162	189	3	al	al	PROPN
fsr-3162	189	4	.	.	PROPN
fsr-3162	189	5	,	,	PUNCT
fsr-3162	189	6	2013	2013	NUM
fsr-3162	189	7	;	;	PUNCT
fsr-3162	189	8	lusardi	lusardi	PROPN
fsr-3162	189	9	&	&	CCONJ
fsr-3162	189	10	mitchell	mitchell	PROPN
fsr-3162	189	11	,	,	PUNCT
fsr-3162	189	12	2007a	2007a	NUM
fsr-3162	189	13	,	,	PUNCT
fsr-3162	189	14	2007b	2007b	NUM
fsr-3162	189	15	;	;	PUNCT
fsr-3162	189	16	rooij	rooij	NOUN
fsr-3162	189	17	et	et	PROPN
fsr-3162	189	18	al	al	PROPN
fsr-3162	189	19	.	.	PROPN
fsr-3162	189	20	,	,	PUNCT
fsr-3162	189	21	2011	2011	NUM
fsr-3162	189	22	;	;	PUNCT
fsr-3162	189	23	yeh	yeh	PROPN
fsr-3162	189	24	,	,	PUNCT
fsr-3162	189	25	2022	2022	NUM
fsr-3162	189	26	;	;	PUNCT
fsr-3162	189	27	yeh	yeh	PROPN
fsr-3162	189	28	&	&	CCONJ
fsr-3162	189	29	ling	ling	PROPN
fsr-3162	189	30	,	,	PUNCT
fsr-3162	189	31	2022	2022	NUM
fsr-3162	189	32	)	)	PUNCT
fsr-3162	189	33	.	.	PUNCT
fsr-3162	190	1	i	i	PRON
fsr-3162	190	2	constructed	construct	VERB
fsr-3162	190	3	a	a	DET
fsr-3162	190	4	financial	financial	ADJ
fsr-3162	190	5	literacy	literacy	NOUN
fsr-3162	190	6	variable	variable	NOUN
fsr-3162	190	7	based	base	VERB
fsr-3162	190	8	on	on	ADP
fsr-3162	190	9	one	one	NUM
fsr-3162	190	10	’s	’s	PART
fsr-3162	190	11	answers	answer	NOUN
fsr-3162	190	12	to	to	ADP
fsr-3162	190	13	the	the	DET
fsr-3162	190	14	“	"	PUNCT
fsr-3162	190	15	big	big	ADJ
fsr-3162	190	16	-	-	PUNCT
fsr-3162	190	17	five	five	NUM
fsr-3162	190	18	”	"	PUNCT
fsr-3162	190	19	questions	question	NOUN
fsr-3162	190	20	commonly	commonly	ADV
fsr-3162	190	21	used	use	VERB
fsr-3162	190	22	in	in	ADP
fsr-3162	190	23	previous	previous	ADJ
fsr-3162	190	24	studies	study	NOUN
fsr-3162	190	25	(	(	PUNCT
fsr-3162	190	26	e.g.	e.g.	ADV
fsr-3162	190	27	,	,	PUNCT
fsr-3162	190	28	despard	despard	ADJ
fsr-3162	190	29	et	et	PROPN
fsr-3162	190	30	al	al	PROPN
fsr-3162	190	31	.	.	PROPN
fsr-3162	190	32	,	,	PUNCT
fsr-3162	190	33	2020	2020	NUM
fsr-3162	190	34	;	;	PUNCT
fsr-3162	190	35	gathergood	gathergood	PROPN
fsr-3162	190	36	&	&	CCONJ
fsr-3162	190	37	weber	weber	PROPN
fsr-3162	190	38	,	,	PUNCT
fsr-3162	190	39	2017	2017	NUM
fsr-3162	190	40	;	;	PUNCT
fsr-3162	190	41	ooijen	ooijen	NOUN
fsr-3162	190	42	&	&	CCONJ
fsr-3162	190	43	van	van	PROPN
fsr-3162	190	44	rooij	rooij	NOUN
fsr-3162	190	45	,	,	PUNCT
fsr-3162	190	46	2016	2016	NUM
fsr-3162	190	47	)	)	PUNCT
fsr-3162	190	48	.	.	PUNCT
fsr-3162	191	1	1	1	X
fsr-3162	191	2	.	.	PUNCT
fsr-3162	191	3	“	"	PUNCT
fsr-3162	191	4	suppose	suppose	VERB
fsr-3162	191	5	you	you	PRON
fsr-3162	191	6	put	put	VERB
fsr-3162	191	7	1	1	NUM
fsr-3162	191	8	million	million	NUM
fsr-3162	191	9	yen	yen	NOUN
fsr-3162	191	10	into	into	ADP
fsr-3162	191	11	a	a	DET
fsr-3162	191	12	savings	savings	NOUN
fsr-3162	191	13	account	account	NOUN
fsr-3162	191	14	with	with	ADP
fsr-3162	191	15	a	a	DET
fsr-3162	191	16	guaranteed	guarantee	VERB
fsr-3162	191	17	interest	interest	NOUN
fsr-3162	191	18	rate	rate	NOUN
fsr-3162	191	19	of	of	ADP
fsr-3162	191	20	2	2	NUM
fsr-3162	191	21	%	%	NOUN
fsr-3162	191	22	per	per	ADP
fsr-3162	191	23	year	year	NOUN
fsr-3162	191	24	.	.	PUNCT
fsr-3162	192	1	how	how	SCONJ
fsr-3162	192	2	much	much	ADJ
fsr-3162	192	3	would	would	AUX
fsr-3162	192	4	there	there	PRON
fsr-3162	192	5	be	be	AUX
fsr-3162	192	6	in	in	ADP
fsr-3162	192	7	the	the	DET
fsr-3162	192	8	account	account	NOUN
fsr-3162	192	9	after	after	ADP
fsr-3162	192	10	five	five	NUM
fsr-3162	192	11	years	year	NOUN
fsr-3162	192	12	,	,	PUNCT
fsr-3162	192	13	disregarding	disregard	VERB
fsr-3162	192	14	tax	tax	NOUN
fsr-3162	192	15	deductions	deduction	NOUN
fsr-3162	192	16	?	?	PUNCT
fsr-3162	192	17	”	"	PUNCT
fsr-3162	193	1	2	2	NUM
fsr-3162	193	2	.	.	PUNCT
fsr-3162	193	3	“	"	PUNCT
fsr-3162	193	4	imagine	imagine	VERB
fsr-3162	193	5	that	that	SCONJ
fsr-3162	193	6	the	the	DET
fsr-3162	193	7	interest	interest	NOUN
fsr-3162	193	8	rate	rate	NOUN
fsr-3162	193	9	on	on	ADP
fsr-3162	193	10	your	your	PRON
fsr-3162	193	11	savings	saving	NOUN
fsr-3162	193	12	account	account	NOUN
fsr-3162	193	13	was	be	AUX
fsr-3162	193	14	1	1	NUM
fsr-3162	193	15	%	%	NOUN
fsr-3162	193	16	per	per	ADP
fsr-3162	193	17	year	year	NOUN
fsr-3162	193	18	and	and	CCONJ
fsr-3162	193	19	inflation	inflation	NOUN
fsr-3162	193	20	was	be	AUX
fsr-3162	193	21	2	2	NUM
fsr-3162	193	22	%	%	NOUN
fsr-3162	193	23	per	per	ADP
fsr-3162	193	24	year	year	NOUN
fsr-3162	193	25	.	.	PUNCT
fsr-3162	194	1	after	after	ADP
fsr-3162	194	2	one	one	NUM
fsr-3162	194	3	year	year	NOUN
fsr-3162	194	4	,	,	PUNCT
fsr-3162	194	5	how	how	SCONJ
fsr-3162	194	6	much	much	ADJ
fsr-3162	194	7	would	would	AUX
fsr-3162	194	8	you	you	PRON
fsr-3162	194	9	be	be	AUX
fsr-3162	194	10	able	able	ADJ
fsr-3162	194	11	to	to	PART
fsr-3162	194	12	buy	buy	VERB
fsr-3162	194	13	with	with	ADP
fsr-3162	194	14	the	the	DET
fsr-3162	194	15	money	money	NOUN
fsr-3162	194	16	in	in	ADP
fsr-3162	194	17	this	this	DET
fsr-3162	194	18	account	account	NOUN
fsr-3162	194	19	?	?	PUNCT
fsr-3162	194	20	”	"	PUNCT
fsr-3162	195	1	3	3	X
fsr-3162	195	2	.	.	PUNCT
fsr-3162	196	1	“	"	PUNCT
fsr-3162	196	2	true	true	ADJ
fsr-3162	196	3	or	or	CCONJ
fsr-3162	196	4	false	false	ADJ
fsr-3162	196	5	?	?	PUNCT
fsr-3162	196	6	buying	buy	VERB
fsr-3162	196	7	a	a	DET
fsr-3162	196	8	single	single	ADJ
fsr-3162	196	9	company	company	NOUN
fsr-3162	196	10	’s	’s	PART
fsr-3162	196	11	stock	stock	NOUN
fsr-3162	196	12	usually	usually	ADV
fsr-3162	196	13	provides	provide	VERB
fsr-3162	196	14	a	a	DET
fsr-3162	196	15	safer	safe	ADJ
fsr-3162	196	16	return	return	NOUN
fsr-3162	196	17	than	than	ADP
fsr-3162	196	18	a	a	DET
fsr-3162	196	19	stock	stock	NOUN
fsr-3162	196	20	mutual	mutual	ADJ
fsr-3162	196	21	fund	fund	NOUN
fsr-3162	196	22	.	.	PUNCT
fsr-3162	196	23	”	"	PUNCT
fsr-3162	197	1	4	4	NUM
fsr-3162	197	2	.	.	PUNCT
fsr-3162	198	1	“	"	PUNCT
fsr-3162	198	2	if	if	SCONJ
fsr-3162	198	3	interest	interest	NOUN
fsr-3162	198	4	rates	rate	NOUN
fsr-3162	198	5	rise	rise	VERB
fsr-3162	198	6	,	,	PUNCT
fsr-3162	198	7	what	what	PRON
fsr-3162	198	8	will	will	AUX
fsr-3162	198	9	typically	typically	ADV
fsr-3162	198	10	happen	happen	VERB
fsr-3162	198	11	to	to	PART
fsr-3162	198	12	bond	bond	NOUN
fsr-3162	198	13	prices	price	NOUN
fsr-3162	198	14	?	?	PUNCT
fsr-3162	198	15	”	"	PUNCT
fsr-3162	199	1	5	5	NUM
fsr-3162	199	2	.	.	PUNCT
fsr-3162	200	1	“	"	PUNCT
fsr-3162	200	2	true	true	ADJ
fsr-3162	200	3	or	or	CCONJ
fsr-3162	200	4	false	false	ADJ
fsr-3162	200	5	?	?	PUNCT
fsr-3162	200	6	”	"	PUNCT
fsr-3162	200	7	“	"	PUNCT
fsr-3162	200	8	when	when	SCONJ
fsr-3162	200	9	compared	compare	VERB
fsr-3162	200	10	,	,	PUNCT
fsr-3162	200	11	a	a	DET
fsr-3162	200	12	15	15	NUM
fsr-3162	200	13	-	-	PUNCT
fsr-3162	200	14	year	year	NOUN
fsr-3162	200	15	mortgage	mortgage	NOUN
fsr-3162	200	16	typically	typically	ADV
fsr-3162	200	17	requires	require	VERB
fsr-3162	200	18	higher	high	ADJ
fsr-3162	200	19	monthly	monthly	ADJ
fsr-3162	200	20	payments	payment	NOUN
fsr-3162	200	21	than	than	ADP
fsr-3162	200	22	a	a	DET
fsr-3162	200	23	30	30	NUM
fsr-3162	200	24	-	-	PUNCT
fsr-3162	200	25	year	year	NOUN
fsr-3162	200	26	loan	loan	NOUN
fsr-3162	200	27	,	,	PUNCT
fsr-3162	200	28	but	but	CCONJ
fsr-3162	200	29	the	the	DET
fsr-3162	200	30	total	total	ADJ
fsr-3162	200	31	interest	interest	NOUN
fsr-3162	200	32	paid	pay	VERB
fsr-3162	200	33	over	over	ADP
fsr-3162	200	34	the	the	DET
fsr-3162	200	35	life	life	NOUN
fsr-3162	200	36	of	of	ADP
fsr-3162	200	37	the	the	DET
fsr-3162	200	38	loan	loan	NOUN
fsr-3162	200	39	will	will	AUX
fsr-3162	200	40	be	be	AUX
fsr-3162	200	41	less	less	ADJ
fsr-3162	200	42	.	.	PUNCT
fsr-3162	200	43	”	"	PUNCT
fsr-3162	201	1	the	the	DET
fsr-3162	201	2	respondents	respondent	NOUN
fsr-3162	201	3	who	who	PRON
fsr-3162	201	4	correctly	correctly	ADV
fsr-3162	201	5	answered	answer	VERB
fsr-3162	201	6	each	each	PRON
fsr-3162	201	7	of	of	ADP
fsr-3162	201	8	these	these	DET
fsr-3162	201	9	questions	question	NOUN
fsr-3162	201	10	were	be	AUX
fsr-3162	201	11	65.7	65.7	NUM
fsr-3162	201	12	%	%	NOUN
fsr-3162	201	13	,	,	PUNCT
fsr-3162	201	14	55.6	55.6	NUM
fsr-3162	201	15	%	%	NOUN
fsr-3162	201	16	,	,	PUNCT
fsr-3162	201	17	45.8	45.8	NUM
fsr-3162	201	18	%	%	NOUN
fsr-3162	201	19	,	,	PUNCT
fsr-3162	201	20	24	24	NUM
fsr-3162	201	21	%	%	NOUN
fsr-3162	201	22	,	,	PUNCT
fsr-3162	201	23	and	and	CCONJ
fsr-3162	201	24	68.4	68.4	NUM
fsr-3162	201	25	%	%	NOUN
fsr-3162	201	26	,	,	PUNCT
fsr-3162	201	27	respectively	respectively	ADV
fsr-3162	201	28	.	.	PUNCT
fsr-3162	202	1	the	the	DET
fsr-3162	202	2	question	question	NOUN
fsr-3162	202	3	on	on	ADP
fsr-3162	202	4	inflation	inflation	NOUN
fsr-3162	202	5	and	and	CCONJ
fsr-3162	202	6	bond	bond	NOUN
fsr-3162	202	7	prices	price	NOUN
fsr-3162	202	8	had	have	VERB
fsr-3162	202	9	the	the	DET
fsr-3162	202	10	lowest	low	ADJ
fsr-3162	202	11	correct	correct	ADJ
fsr-3162	202	12	rate	rate	NOUN
fsr-3162	202	13	(	(	PUNCT
fsr-3162	202	14	24	24	NUM
fsr-3162	202	15	%	%	NOUN
fsr-3162	202	16	)	)	PUNCT
fsr-3162	202	17	.	.	PUNCT
fsr-3162	203	1	alternatively	alternatively	ADV
fsr-3162	203	2	,	,	PUNCT
fsr-3162	203	3	as	as	SCONJ
fsr-3162	203	4	reported	report	VERB
fsr-3162	203	5	at	at	ADP
fsr-3162	203	6	the	the	DET
fsr-3162	203	7	bottom	bottom	NOUN
fsr-3162	203	8	of	of	ADP
fsr-3162	203	9	table	table	NOUN
fsr-3162	203	10	2	2	NUM
fsr-3162	203	11	,	,	PUNCT
fsr-3162	203	12	out	out	ADP
fsr-3162	203	13	of	of	ADP
fsr-3162	203	14	these	these	DET
fsr-3162	203	15	five	five	NUM
fsr-3162	203	16	questions	question	NOUN
fsr-3162	203	17	,	,	PUNCT
fsr-3162	203	18	10	10	NUM
fsr-3162	203	19	%	%	NOUN
fsr-3162	203	20	of	of	ADP
fsr-3162	203	21	respondents	respondent	NOUN
fsr-3162	203	22	correctly	correctly	ADV
fsr-3162	203	23	answered	answer	VERB
fsr-3162	203	24	five	five	NUM
fsr-3162	203	25	questions	question	NOUN
fsr-3162	203	26	,	,	PUNCT
fsr-3162	203	27	19.6	19.6	NUM
fsr-3162	203	28	%	%	NOUN
fsr-3162	203	29	four	four	NUM
fsr-3162	203	30	questions	question	NOUN
fsr-3162	203	31	,	,	PUNCT
fsr-3162	203	32	20.4	20.4	NUM
fsr-3162	203	33	%	%	NOUN
fsr-3162	203	34	three	three	NUM
fsr-3162	203	35	questions	question	NOUN
fsr-3162	203	36	,	,	PUNCT
fsr-3162	203	37	18.6	18.6	NUM
fsr-3162	203	38	%	%	NOUN
fsr-3162	203	39	two	two	NUM
fsr-3162	203	40	questions	question	NOUN
fsr-3162	203	41	,	,	PUNCT
fsr-3162	203	42	and	and	CCONJ
fsr-3162	203	43	16.2	16.2	NUM
fsr-3162	203	44	%	%	NOUN
fsr-3162	203	45	one	one	NUM
fsr-3162	203	46	question	question	NOUN
fsr-3162	203	47	.	.	PUNCT
fsr-3162	204	1	further	far	ADV
fsr-3162	204	2	,	,	PUNCT
fsr-3162	204	3	15.2	15.2	NUM
fsr-3162	204	4	%	%	NOUN
fsr-3162	204	5	failed	fail	VERB
fsr-3162	204	6	to	to	PART
fsr-3162	204	7	answer	answer	VERB
fsr-3162	204	8	any	any	DET
fsr-3162	204	9	question	question	NOUN
fsr-3162	204	10	correctly	correctly	ADV
fsr-3162	204	11	.	.	PUNCT
fsr-3162	205	1	i	i	PRON
fsr-3162	205	2	constructed	construct	VERB
fsr-3162	205	3	a	a	DET
fsr-3162	205	4	financial	financial	ADJ
fsr-3162	205	5	literacy	literacy	NOUN
fsr-3162	205	6	variable	variable	NOUN
fsr-3162	205	7	that	that	PRON
fsr-3162	205	8	indicated	indicate	VERB
fsr-3162	205	9	the	the	DET
fsr-3162	205	10	number	number	NOUN
fsr-3162	205	11	of	of	ADP
fsr-3162	205	12	correct	correct	ADJ
fsr-3162	205	13	answers	answer	NOUN
fsr-3162	205	14	,	,	PUNCT
fsr-3162	205	15	ranging	range	VERB
fsr-3162	205	16	from	from	ADP
fsr-3162	205	17	zero	zero	NUM
fsr-3162	205	18	to	to	ADP
fsr-3162	205	19	five	five	NUM
fsr-3162	205	20	.	.	PUNCT
fsr-3162	205	21	t.-m	t.-m	NOUN
fsr-3162	205	22	.	.	PUNCT
fsr-3162	206	1	yeh	yeh	PROPN
fsr-3162	206	2	/	/	SYM
fsr-3162	206	3	financial	financial	ADJ
fsr-3162	206	4	services	service	NOUN
fsr-3162	206	5	review	review	VERB
fsr-3162	206	6	30	30	NUM
fsr-3162	206	7	(	(	PUNCT
fsr-3162	206	8	2022	2022	NUM
fsr-3162	206	9	)	)	PUNCT
fsr-3162	207	1	297–320	297–320	NUM
fsr-3162	207	2	305	305	NUM
fsr-3162	207	3	4	4	NUM
fsr-3162	207	4	.	.	PUNCT
fsr-3162	207	5	empirical	empirical	ADJ
fsr-3162	207	6	tests	test	NOUN
fsr-3162	207	7	and	and	CCONJ
fsr-3162	207	8	results	result	VERB
fsr-3162	207	9	4.1	4.1	NUM
fsr-3162	207	10	.	.	PUNCT
fsr-3162	208	1	univariate	univariate	ADJ
fsr-3162	208	2	tests	test	NOUN
fsr-3162	208	3	the	the	DET
fsr-3162	208	4	univariate	univariate	ADJ
fsr-3162	208	5	tests	test	NOUN
fsr-3162	208	6	compare	compare	VERB
fsr-3162	208	7	the	the	DET
fsr-3162	208	8	financial	financial	ADJ
fsr-3162	208	9	behaviors	behavior	NOUN
fsr-3162	208	10	among	among	ADP
fsr-3162	208	11	the	the	DET
fsr-3162	208	12	four	four	NUM
fsr-3162	208	13	types	type	NOUN
fsr-3162	208	14	of	of	ADP
fsr-3162	208	15	respondents	respondent	NOUN
fsr-3162	208	16	stratified	stratify	VERB
fsr-3162	208	17	by	by	ADP
fsr-3162	208	18	their	their	PRON
fsr-3162	208	19	financial	financial	ADJ
fsr-3162	208	20	education	education	NOUN
fsr-3162	208	21	experience	experience	NOUN
fsr-3162	208	22	.	.	PUNCT
fsr-3162	209	1	the	the	DET
fsr-3162	209	2	results	result	NOUN
fsr-3162	209	3	are	be	AUX
fsr-3162	209	4	shown	show	VERB
fsr-3162	209	5	in	in	ADP
fsr-3162	209	6	table	table	NOUN
fsr-3162	209	7	2	2	NUM
fsr-3162	209	8	.	.	PUNCT
fsr-3162	210	1	the	the	DET
fsr-3162	210	2	results	result	NOUN
fsr-3162	210	3	of	of	ADP
fsr-3162	210	4	the	the	DET
fsr-3162	210	5	one	one	NUM
fsr-3162	210	6	-	-	PUNCT
fsr-3162	210	7	way	way	NOUN
fsr-3162	210	8	analysis	analysis	NOUN
fsr-3162	210	9	of	of	ADP
fsr-3162	210	10	variance	variance	NOUN
fsr-3162	210	11	(	(	PUNCT
fsr-3162	210	12	anova	anova	PROPN
fsr-3162	210	13	)	)	PUNCT
fsr-3162	210	14	suggest	suggest	VERB
fsr-3162	210	15	that	that	SCONJ
fsr-3162	210	16	at	at	ADV
fsr-3162	210	17	least	least	ADV
fsr-3162	210	18	two	two	NUM
fsr-3162	210	19	groups	group	NOUN
fsr-3162	210	20	were	be	AUX
fsr-3162	210	21	significantly	significantly	ADV
fsr-3162	210	22	different	different	ADJ
fsr-3162	210	23	in	in	ADP
fsr-3162	210	24	terms	term	NOUN
fsr-3162	210	25	of	of	ADP
fsr-3162	210	26	financial	financial	ADJ
fsr-3162	210	27	behaviors	behavior	NOUN
fsr-3162	210	28	(	(	PUNCT
fsr-3162	210	29	p	p	X
fsr-3162	210	30	<	<	X
fsr-3162	210	31	.01	.01	NUM
fsr-3162	210	32	)	)	PUNCT
fsr-3162	210	33	.	.	PUNCT
fsr-3162	211	1	for	for	ADP
fsr-3162	211	2	almost	almost	ADV
fsr-3162	211	3	all	all	DET
fsr-3162	211	4	the	the	DET
fsr-3162	211	5	financial	financial	ADJ
fsr-3162	211	6	behavior	behavior	NOUN
fsr-3162	211	7	variables	variable	VERB
fsr-3162	211	8	,	,	PUNCT
fsr-3162	211	9	the	the	DET
fsr-3162	211	10	“	"	PUNCT
fsr-3162	211	11	no	no	DET
fsr-3162	211	12	fin	fin	NOUN
fsr-3162	211	13	.	.	PUNCT
fsr-3162	211	14	education	education	NOUN
fsr-3162	211	15	”	"	PUNCT
fsr-3162	211	16	group	group	NOUN
fsr-3162	211	17	performed	perform	VERB
fsr-3162	211	18	the	the	DET
fsr-3162	211	19	worst	bad	ADJ
fsr-3162	211	20	,	,	PUNCT
fsr-3162	211	21	while	while	SCONJ
fsr-3162	211	22	“	"	PUNCT
fsr-3162	211	23	both	both	CCONJ
fsr-3162	211	24	at	at	ADP
fsr-3162	211	25	home	home	NOUN
fsr-3162	211	26	and	and	CCONJ
fsr-3162	211	27	school	school	NOUN
fsr-3162	211	28	/	/	SYM
fsr-3162	211	29	work	work	NOUN
fsr-3162	211	30	”	"	PUNCT
fsr-3162	211	31	performed	perform	VERB
fsr-3162	211	32	the	the	DET
fsr-3162	211	33	best	good	ADJ
fsr-3162	211	34	.	.	PUNCT
fsr-3162	212	1	however	however	ADV
fsr-3162	212	2	,	,	PUNCT
fsr-3162	212	3	for	for	ADP
fsr-3162	212	4	short	short	ADJ
fsr-3162	212	5	-	-	PUNCT
fsr-3162	212	6	term	term	NOUN
fsr-3162	212	7	financial	financial	ADJ
fsr-3162	212	8	behaviors	behavior	NOUN
fsr-3162	212	9	,	,	PUNCT
fsr-3162	212	10	the	the	DET
fsr-3162	212	11	“	"	PUNCT
fsr-3162	212	12	fin	fin	NOUN
fsr-3162	212	13	.	.	PUNCT
fsr-3162	212	14	table	table	NOUN
fsr-3162	212	15	2	2	NUM
fsr-3162	212	16	financial	financial	ADJ
fsr-3162	212	17	behaviors	behavior	NOUN
fsr-3162	212	18	stratified	stratify	VERB
fsr-3162	212	19	by	by	ADP
fsr-3162	212	20	financial	financial	ADJ
fsr-3162	212	21	education	education	NOUN
fsr-3162	212	22	experiences	experience	NOUN
fsr-3162	212	23	no	no	DET
fsr-3162	212	24	fin	fin	NOUN
fsr-3162	212	25	.	.	PUNCT
fsr-3162	213	1	teaching	teach	VERB
fsr-3162	213	2	fin	fin	NOUN
fsr-3162	213	3	.	.	PUNCT
fsr-3162	213	4	,	,	PUNCT
fsr-3162	213	5	teaching	teach	VERB
fsr-3162	213	6	by	by	ADP
fsr-3162	213	7	parents	parent	NOUN
fsr-3162	213	8	only	only	ADV
fsr-3162	213	9	fin	fin	NOUN
fsr-3162	213	10	.	.	PUNCT
fsr-3162	214	1	,	,	PUNCT
fsr-3162	214	2	education	education	NOUN
fsr-3162	214	3	at	at	ADP
fsr-3162	214	4	school/	school/	NUM
fsr-3162	214	5	work	work	NOUN
fsr-3162	214	6	only	only	ADV
fsr-3162	214	7	receiving	receive	VERB
fsr-3162	214	8	both	both	CCONJ
fsr-3162	214	9	all	all	DET
fsr-3162	214	10	panel	panel	NOUN
fsr-3162	214	11	a	a	DET
fsr-3162	214	12	:	:	PUNCT
fsr-3162	214	13	short	short	ADJ
fsr-3162	214	14	-	-	PUNCT
fsr-3162	214	15	term	term	NOUN
fsr-3162	214	16	financial	financial	ADJ
fsr-3162	214	17	behaviors	behavior	NOUN
fsr-3162	214	18	variables	variable	NOUN
fsr-3162	214	19	mean	mean	VERB
fsr-3162	214	20	mean	mean	VERB
fsr-3162	214	21	mean	mean	NOUN
fsr-3162	214	22	mean	mean	INTJ
fsr-3162	214	23	mean	mean	VERB
fsr-3162	214	24	carefully	carefully	ADV
fsr-3162	214	25	consider	consider	VERB
fsr-3162	214	26	before	before	ADP
fsr-3162	214	27	buying	buy	VERB
fsr-3162	214	28	3.90	3.90	NUM
fsr-3162	214	29	4.09	4.09	NUM
fsr-3162	214	30	3.96	3.96	NUM
fsr-3162	214	31	4.13	4.13	NUM
fsr-3162	214	32	3.94	3.94	NUM
fsr-3162	214	33	anova	anova	X
fsr-3162	214	34	f	f	PROPN
fsr-3162	214	35	value	value	NOUN
fsr-3162	214	36	52.36	52.36	NUM
fsr-3162	214	37	—	—	PUNCT
fsr-3162	214	38	—	—	PUNCT
fsr-3162	214	39	—	—	PUNCT
fsr-3162	214	40	—	—	PUNCT
fsr-3162	214	41	p	p	X
fsr-3162	214	42	-	-	PUNCT
fsr-3162	214	43	value	value	NOUN
fsr-3162	214	44	0.000	0.000	NUM
fsr-3162	214	45	—	—	PUNCT
fsr-3162	214	46	—	—	PUNCT
fsr-3162	214	47	—	—	PUNCT
fsr-3162	214	48	—	—	PUNCT
fsr-3162	214	49	pay	pay	NOUN
fsr-3162	214	50	bills	bill	NOUN
fsr-3162	214	51	on	on	ADP
fsr-3162	214	52	time	time	NOUN
fsr-3162	214	53	4.39	4.39	NUM
fsr-3162	214	54	4.56	4.56	NUM
fsr-3162	214	55	4.36	4.36	NUM
fsr-3162	214	56	4.51	4.51	NUM
fsr-3162	214	57	4.42	4.42	NUM
fsr-3162	214	58	anova	anova	PROPN
fsr-3162	214	59	f	f	PROPN
fsr-3162	214	60	value	value	NOUN
fsr-3162	214	61	41.81	41.81	NUM
fsr-3162	214	62	—	—	PUNCT
fsr-3162	214	63	—	—	PUNCT
fsr-3162	214	64	—	—	PUNCT
fsr-3162	214	65	—	—	PUNCT
fsr-3162	214	66	p	p	X
fsr-3162	214	67	-	-	PUNCT
fsr-3162	214	68	value	value	NOUN
fsr-3162	214	69	0.000	0.000	NUM
fsr-3162	214	70	—	—	PUNCT
fsr-3162	214	71	—	—	PUNCT
fsr-3162	214	72	—	—	PUNCT
fsr-3162	214	73	—	—	PUNCT
fsr-3162	214	74	keep	keep	VERB
fsr-3162	214	75	a	a	DET
fsr-3162	214	76	close	close	ADJ
fsr-3162	214	77	eye	eye	NOUN
fsr-3162	214	78	on	on	ADP
fsr-3162	214	79	financial	financial	ADJ
fsr-3162	214	80	affairs	affair	NOUN
fsr-3162	214	81	3.58	3.58	NUM
fsr-3162	214	82	3.87	3.87	NUM
fsr-3162	214	83	3.76	3.76	NUM
fsr-3162	214	84	4.01	4.01	NUM
fsr-3162	214	85	3.65	3.65	NUM
fsr-3162	214	86	anova	anova	X
fsr-3162	214	87	f	f	PROPN
fsr-3162	214	88	value	value	PROPN
fsr-3162	214	89	128.94	128.94	NUM
fsr-3162	214	90	—	—	PUNCT
fsr-3162	214	91	—	—	PUNCT
fsr-3162	214	92	—	—	PUNCT
fsr-3162	214	93	—	—	PUNCT
fsr-3162	214	94	p	p	X
fsr-3162	214	95	-	-	PUNCT
fsr-3162	214	96	value	value	NOUN
fsr-3162	214	97	0.000	0.000	NUM
fsr-3162	214	98	—	—	PUNCT
fsr-3162	214	99	—	—	PUNCT
fsr-3162	214	100	—	—	PUNCT
fsr-3162	214	101	—	—	PUNCT
fsr-3162	214	102	variables	variable	NOUN
fsr-3162	214	103	percent	percent	NOUN
fsr-3162	214	104	percent	percent	NOUN
fsr-3162	214	105	percent	percent	NOUN
fsr-3162	214	106	percent	percent	NOUN
fsr-3162	214	107	percent	percent	NOUN
fsr-3162	214	108	have	have	VERB
fsr-3162	214	109	an	an	DET
fsr-3162	214	110	emergency	emergency	NOUN
fsr-3162	214	111	fund	fund	NOUN
fsr-3162	214	112	0.52	0.52	NUM
fsr-3162	214	113	0.65	0.65	NUM
fsr-3162	214	114	0.62	0.62	NUM
fsr-3162	214	115	0.69	0.69	NUM
fsr-3162	214	116	0.55	0.55	NUM
fsr-3162	214	117	anova	anova	PROPN
fsr-3162	214	118	f	f	PROPN
fsr-3162	214	119	value	value	NOUN
fsr-3162	214	120	115	115	NUM
fsr-3162	214	121	—	—	PUNCT
fsr-3162	214	122	—	—	PUNCT
fsr-3162	214	123	—	—	PUNCT
fsr-3162	214	124	—	—	PUNCT
fsr-3162	214	125	p	p	X
fsr-3162	214	126	-	-	PUNCT
fsr-3162	214	127	value	value	NOUN
fsr-3162	214	128	0.000	0.000	NUM
fsr-3162	214	129	—	—	PUNCT
fsr-3162	214	130	—	—	PUNCT
fsr-3162	214	131	—	—	PUNCT
fsr-3162	214	132	—	—	PUNCT
fsr-3162	214	133	panel	panel	NOUN
fsr-3162	214	134	b	b	NOUN
fsr-3162	214	135	:	:	PUNCT
fsr-3162	214	136	long	long	ADJ
fsr-3162	214	137	-	-	PUNCT
fsr-3162	214	138	term	term	NOUN
fsr-3162	214	139	financial	financial	ADJ
fsr-3162	214	140	behaviors	behavior	NOUN
fsr-3162	214	141	variables	variable	VERB
fsr-3162	214	142	percent	percent	NOUN
fsr-3162	214	143	percent	percent	NOUN
fsr-3162	214	144	percent	percent	NOUN
fsr-3162	214	145	percent	percent	NOUN
fsr-3162	214	146	percent	percent	NOUN
fsr-3162	214	147	stock	stock	NOUN
fsr-3162	214	148	investment	investment	NOUN
fsr-3162	214	149	0.30	0.30	NUM
fsr-3162	214	150	0.33	0.33	NUM
fsr-3162	214	151	0.55	0.55	NUM
fsr-3162	214	152	0.49	0.49	NUM
fsr-3162	214	153	0.32	0.32	NUM
fsr-3162	214	154	anova	anova	PROPN
fsr-3162	214	155	f	f	PROPN
fsr-3162	214	156	value	value	NOUN
fsr-3162	214	157	125.84	125.84	NUM
fsr-3162	214	158	—	—	PUNCT
fsr-3162	214	159	—	—	PUNCT
fsr-3162	214	160	—	—	PUNCT
fsr-3162	214	161	—	—	PUNCT
fsr-3162	214	162	p	p	X
fsr-3162	214	163	-	-	PUNCT
fsr-3162	214	164	value	value	NOUN
fsr-3162	214	165	0.000	0.000	NUM
fsr-3162	214	166	—	—	PUNCT
fsr-3162	214	167	—	—	PUNCT
fsr-3162	214	168	—	—	PUNCT
fsr-3162	214	169	—	—	PUNCT
fsr-3162	214	170	estimate	estimate	VERB
fsr-3162	214	171	post	post	ADJ
fsr-3162	214	172	-	-	ADJ
fsr-3162	214	173	retirement	retirement	ADJ
fsr-3162	214	174	expenses	expense	NOUN
fsr-3162	214	175	0.48	0.48	NUM
fsr-3162	214	176	0.51	0.51	NUM
fsr-3162	214	177	0.65	0.65	NUM
fsr-3162	214	178	0.61	0.61	NUM
fsr-3162	214	179	0.49	0.49	NUM
fsr-3162	214	180	anova	anova	PROPN
fsr-3162	214	181	f	f	PROPN
fsr-3162	214	182	value	value	NOUN
fsr-3162	214	183	32.77	32.77	NUM
fsr-3162	214	184	—	—	PUNCT
fsr-3162	214	185	—	—	PUNCT
fsr-3162	214	186	—	—	PUNCT
fsr-3162	214	187	—	—	PUNCT
fsr-3162	214	188	p	p	X
fsr-3162	214	189	-	-	PUNCT
fsr-3162	214	190	value	value	NOUN
fsr-3162	214	191	0.000	0.000	NUM
fsr-3162	214	192	—	—	PUNCT
fsr-3162	214	193	—	—	PUNCT
fsr-3162	214	194	—	—	PUNCT
fsr-3162	214	195	—	—	PUNCT
fsr-3162	214	196	have	have	VERB
fsr-3162	214	197	a	a	DET
fsr-3162	214	198	plan	plan	NOUN
fsr-3162	214	199	for	for	ADP
fsr-3162	214	200	postretirement	postretirement	NOUN
fsr-3162	214	201	0.33	0.33	NUM
fsr-3162	214	202	0.41	0.41	NUM
fsr-3162	214	203	0.49	0.49	NUM
fsr-3162	214	204	0.52	0.52	NUM
fsr-3162	214	205	0.36	0.36	NUM
fsr-3162	214	206	anova	anova	X
fsr-3162	214	207	f	f	PROPN
fsr-3162	214	208	value	value	NOUN
fsr-3162	214	209	54	54	NUM
fsr-3162	214	210	—	—	PUNCT
fsr-3162	214	211	—	—	PUNCT
fsr-3162	214	212	—	—	PUNCT
fsr-3162	214	213	—	—	PUNCT
fsr-3162	214	214	p	p	X
fsr-3162	214	215	-	-	PUNCT
fsr-3162	214	216	value	value	NOUN
fsr-3162	214	217	0.000	0.000	NUM
fsr-3162	214	218	—	—	PUNCT
fsr-3162	214	219	—	—	PUNCT
fsr-3162	214	220	—	—	PUNCT
fsr-3162	214	221	—	—	PUNCT
fsr-3162	214	222	set	set	VERB
fsr-3162	214	223	aside	aside	ADP
fsr-3162	214	224	post	post	ADJ
fsr-3162	214	225	-	-	ADJ
fsr-3162	214	226	retirement	retirement	ADJ
fsr-3162	214	227	expenses	expense	NOUN
fsr-3162	214	228	0.24	0.24	NUM
fsr-3162	214	229	0.29	0.29	NUM
fsr-3162	214	230	0.35	0.35	NUM
fsr-3162	214	231	0.37	0.37	NUM
fsr-3162	214	232	0.26	0.26	NUM
fsr-3162	214	233	anova	anova	PROPN
fsr-3162	214	234	f	f	PROPN
fsr-3162	214	235	value	value	PROPN
fsr-3162	214	236	23.67	23.67	NUM
fsr-3162	214	237	—	—	PUNCT
fsr-3162	214	238	—	—	PUNCT
fsr-3162	214	239	—	—	PUNCT
fsr-3162	214	240	—	—	PUNCT
fsr-3162	214	241	p	p	X
fsr-3162	214	242	-	-	PUNCT
fsr-3162	214	243	value	value	NOUN
fsr-3162	214	244	0.000	0.000	NUM
fsr-3162	214	245	—	—	PUNCT
fsr-3162	214	246	—	—	PUNCT
fsr-3162	214	247	—	—	PUNCT
fsr-3162	214	248	—	—	PUNCT
fsr-3162	214	249	note	note	NOUN
fsr-3162	214	250	.	.	PUNCT
fsr-3162	215	1	anova	anova	PROPN
fsr-3162	215	2	stands	stand	VERB
fsr-3162	215	3	for	for	ADP
fsr-3162	215	4	analysis	analysis	NOUN
fsr-3162	215	5	of	of	ADP
fsr-3162	215	6	variance	variance	NOUN
fsr-3162	215	7	.	.	PUNCT
fsr-3162	216	1	306	306	NUM
fsr-3162	216	2	t.-m	t.-m	NOUN
fsr-3162	216	3	.	.	PUNCT
fsr-3162	217	1	yeh	yeh	PROPN
fsr-3162	217	2	/	/	SYM
fsr-3162	217	3	financial	financial	ADJ
fsr-3162	217	4	services	service	NOUN
fsr-3162	217	5	review	review	VERB
fsr-3162	217	6	30	30	NUM
fsr-3162	217	7	(	(	PUNCT
fsr-3162	217	8	2022	2022	NUM
fsr-3162	217	9	)	)	PUNCT
fsr-3162	218	1	297–320	297–320	NUM
fsr-3162	218	2	teaching	teaching	NOUN
fsr-3162	218	3	by	by	ADP
fsr-3162	218	4	parents	parent	NOUN
fsr-3162	218	5	only	only	ADV
fsr-3162	218	6	”	"	PUNCT
fsr-3162	218	7	group	group	NOUN
fsr-3162	218	8	outperformed	outperform	VERB
fsr-3162	218	9	the	the	DET
fsr-3162	218	10	“	"	PUNCT
fsr-3162	218	11	fin	fin	NOUN
fsr-3162	218	12	.	.	PUNCT
fsr-3162	219	1	education	education	NOUN
fsr-3162	219	2	at	at	ADP
fsr-3162	219	3	school	school	NOUN
fsr-3162	219	4	/	/	SYM
fsr-3162	219	5	work	work	NOUN
fsr-3162	219	6	only	only	ADV
fsr-3162	219	7	”	"	PUNCT
fsr-3162	219	8	group	group	NOUN
fsr-3162	219	9	,	,	PUNCT
fsr-3162	219	10	while	while	SCONJ
fsr-3162	219	11	the	the	DET
fsr-3162	219	12	opposite	opposite	NOUN
fsr-3162	219	13	was	be	AUX
fsr-3162	219	14	true	true	ADJ
fsr-3162	219	15	for	for	ADP
fsr-3162	219	16	long	long	ADJ
fsr-3162	219	17	-	-	PUNCT
fsr-3162	219	18	term	term	NOUN
fsr-3162	219	19	financial	financial	ADJ
fsr-3162	219	20	behaviors	behavior	NOUN
fsr-3162	219	21	.	.	PUNCT
fsr-3162	220	1	for	for	ADP
fsr-3162	220	2	instance	instance	NOUN
fsr-3162	220	3	,	,	PUNCT
fsr-3162	220	4	65	65	NUM
fsr-3162	220	5	%	%	NOUN
fsr-3162	220	6	in	in	ADP
fsr-3162	220	7	the	the	DET
fsr-3162	220	8	“	"	PUNCT
fsr-3162	220	9	fin	fin	NOUN
fsr-3162	220	10	.	.	PUNCT
fsr-3162	221	1	teaching	teaching	NOUN
fsr-3162	221	2	by	by	ADP
fsr-3162	221	3	parents	parent	NOUN
fsr-3162	221	4	only	only	ADV
fsr-3162	221	5	”	"	PUNCT
fsr-3162	221	6	group	group	NOUN
fsr-3162	221	7	have	have	VERB
fsr-3162	221	8	emergency	emergency	NOUN
fsr-3162	221	9	(	(	PUNCT
fsr-3162	221	10	for	for	ADP
fsr-3162	221	11	three	three	NUM
fsr-3162	221	12	-	-	PUNCT
fsr-3162	221	13	month	month	NOUN
fsr-3162	221	14	)	)	PUNCT
fsr-3162	221	15	funds	fund	NOUN
fsr-3162	221	16	compared	compare	VERB
fsr-3162	221	17	with	with	ADP
fsr-3162	221	18	62	62	NUM
fsr-3162	221	19	%	%	NOUN
fsr-3162	221	20	in	in	ADP
fsr-3162	221	21	the	the	DET
fsr-3162	221	22	“	"	PUNCT
fsr-3162	221	23	fin	fin	NOUN
fsr-3162	221	24	.	.	PUNCT
fsr-3162	222	1	education	education	NOUN
fsr-3162	222	2	in	in	ADP
fsr-3162	222	3	the	the	DET
fsr-3162	222	4	school	school	NOUN
fsr-3162	222	5	/	/	SYM
fsr-3162	222	6	work	work	NOUN
fsr-3162	222	7	only	only	ADV
fsr-3162	222	8	”	"	PUNCT
fsr-3162	222	9	group	group	NOUN
fsr-3162	222	10	.	.	PUNCT
fsr-3162	223	1	however	however	ADV
fsr-3162	223	2	,	,	PUNCT
fsr-3162	223	3	regarding	regard	VERB
fsr-3162	223	4	“	"	PUNCT
fsr-3162	223	5	stock	stock	NOUN
fsr-3162	223	6	investment	investment	NOUN
fsr-3162	223	7	”	"	PUNCT
fsr-3162	223	8	(	(	PUNCT
fsr-3162	223	9	having	have	VERB
fsr-3162	223	10	retirement	retirement	NOUN
fsr-3162	223	11	planning	planning	NOUN
fsr-3162	223	12	)	)	PUNCT
fsr-3162	223	13	,	,	PUNCT
fsr-3162	223	14	33	33	NUM
fsr-3162	223	15	%	%	NOUN
fsr-3162	223	16	(	(	PUNCT
fsr-3162	223	17	41	41	NUM
fsr-3162	223	18	%	%	NOUN
fsr-3162	223	19	)	)	PUNCT
fsr-3162	223	20	in	in	ADP
fsr-3162	223	21	the	the	DET
fsr-3162	223	22	“	"	PUNCT
fsr-3162	223	23	fin	fin	NOUN
fsr-3162	223	24	.	.	PUNCT
fsr-3162	224	1	teaching	teaching	NOUN
fsr-3162	224	2	by	by	ADP
fsr-3162	224	3	parents	parent	NOUN
fsr-3162	224	4	only	only	ADV
fsr-3162	224	5	”	"	PUNCT
fsr-3162	224	6	group	group	NOUN
fsr-3162	224	7	were	be	AUX
fsr-3162	224	8	prepared	prepare	VERB
fsr-3162	224	9	compared	compare	VERB
fsr-3162	224	10	with	with	ADP
fsr-3162	224	11	55	55	NUM
fsr-3162	224	12	%	%	NOUN
fsr-3162	224	13	(	(	PUNCT
fsr-3162	224	14	49	49	NUM
fsr-3162	224	15	%	%	NOUN
fsr-3162	224	16	)	)	PUNCT
fsr-3162	224	17	in	in	ADP
fsr-3162	224	18	the	the	DET
fsr-3162	224	19	“	"	PUNCT
fsr-3162	224	20	fin	fin	NOUN
fsr-3162	224	21	.	.	PUNCT
fsr-3162	225	1	education	education	NOUN
fsr-3162	225	2	in	in	ADP
fsr-3162	225	3	the	the	DET
fsr-3162	225	4	school	school	NOUN
fsr-3162	225	5	/	/	SYM
fsr-3162	225	6	work	work	NOUN
fsr-3162	225	7	only	only	ADV
fsr-3162	225	8	group	group	NOUN
fsr-3162	225	9	.	.	PUNCT
fsr-3162	225	10	”	"	PUNCT
fsr-3162	226	1	the	the	DET
fsr-3162	226	2	results	result	NOUN
fsr-3162	226	3	suggest	suggest	VERB
fsr-3162	226	4	that	that	SCONJ
fsr-3162	226	5	education	education	NOUN
fsr-3162	226	6	at	at	ADP
fsr-3162	226	7	home	home	NOUN
fsr-3162	226	8	or	or	CCONJ
fsr-3162	226	9	school	school	NOUN
fsr-3162	226	10	/	/	SYM
fsr-3162	226	11	work	work	NOUN
fsr-3162	226	12	may	may	AUX
fsr-3162	226	13	have	have	VERB
fsr-3162	226	14	different	different	ADJ
fsr-3162	226	15	implications	implication	NOUN
fsr-3162	226	16	for	for	ADP
fsr-3162	226	17	short	short	ADJ
fsr-3162	226	18	-	-	PUNCT
fsr-3162	226	19	term	term	NOUN
fsr-3162	226	20	and	and	CCONJ
fsr-3162	226	21	long	long	ADJ
fsr-3162	226	22	-	-	PUNCT
fsr-3162	226	23	term	term	NOUN
fsr-3162	226	24	financial	financial	ADJ
fsr-3162	226	25	behaviors	behavior	NOUN
fsr-3162	226	26	.	.	PUNCT
fsr-3162	227	1	as	as	SCONJ
fsr-3162	227	2	one	one	NUM
fsr-3162	227	3	-	-	PUNCT
fsr-3162	227	4	way	way	NOUN
fsr-3162	227	5	anova	anova	PROPN
fsr-3162	227	6	could	could	AUX
fsr-3162	227	7	not	not	PART
fsr-3162	227	8	determine	determine	VERB
fsr-3162	227	9	which	which	PRON
fsr-3162	227	10	specific	specific	ADJ
fsr-3162	227	11	groups	group	NOUN
fsr-3162	227	12	were	be	AUX
fsr-3162	227	13	statistically	statistically	ADV
fsr-3162	227	14	significantly	significantly	ADV
fsr-3162	227	15	different	different	ADJ
fsr-3162	227	16	from	from	ADP
fsr-3162	227	17	each	each	DET
fsr-3162	227	18	other	other	ADJ
fsr-3162	227	19	and	and	CCONJ
fsr-3162	227	20	neither	neither	CCONJ
fsr-3162	227	21	accounted	account	VERB
fsr-3162	227	22	for	for	ADP
fsr-3162	227	23	other	other	ADJ
fsr-3162	227	24	possible	possible	ADJ
fsr-3162	227	25	factors	factor	NOUN
fsr-3162	227	26	,	,	PUNCT
fsr-3162	227	27	i	i	PRON
fsr-3162	227	28	performed	perform	VERB
fsr-3162	227	29	further	further	ADJ
fsr-3162	227	30	multivariate	multivariate	NOUN
fsr-3162	227	31	analyses	analysis	NOUN
fsr-3162	227	32	.	.	PUNCT
fsr-3162	228	1	4.2	4.2	NUM
fsr-3162	228	2	.	.	PUNCT
fsr-3162	228	3	multivariate	multivariate	NOUN
fsr-3162	228	4	tests	test	NOUN
fsr-3162	228	5	in	in	ADP
fsr-3162	228	6	this	this	DET
fsr-3162	228	7	section	section	NOUN
fsr-3162	228	8	,	,	PUNCT
fsr-3162	228	9	i	i	PRON
fsr-3162	228	10	performed	perform	VERB
fsr-3162	228	11	(	(	PUNCT
fsr-3162	228	12	ordered	order	VERB
fsr-3162	228	13	)	)	PUNCT
fsr-3162	228	14	probit	probit	NOUN
fsr-3162	228	15	regressions	regression	NOUN
fsr-3162	228	16	of	of	ADP
fsr-3162	228	17	the	the	DET
fsr-3162	228	18	short	short	ADJ
fsr-3162	228	19	-	-	PUNCT
fsr-3162	228	20	term	term	NOUN
fsr-3162	228	21	financial	financial	ADJ
fsr-3162	228	22	behavior	behavior	NOUN
fsr-3162	228	23	variables	variable	NOUN
fsr-3162	228	24	.	.	PUNCT
fsr-3162	229	1	table	table	NOUN
fsr-3162	229	2	3	3	NUM
fsr-3162	229	3	summarizes	summarize	NOUN
fsr-3162	229	4	the	the	DET
fsr-3162	229	5	(	(	PUNCT
fsr-3162	229	6	ordered	ordered	ADJ
fsr-3162	229	7	)	)	PUNCT
fsr-3162	229	8	probit	probit	NOUN
fsr-3162	229	9	regression	regression	NOUN
fsr-3162	229	10	results	result	NOUN
fsr-3162	229	11	for	for	ADP
fsr-3162	229	12	the	the	DET
fsr-3162	229	13	four	four	NUM
fsr-3162	229	14	variables	variable	NOUN
fsr-3162	229	15	on	on	ADP
fsr-3162	229	16	short	short	ADJ
fsr-3162	229	17	-	-	PUNCT
fsr-3162	229	18	term	term	NOUN
fsr-3162	229	19	financial	financial	ADJ
fsr-3162	229	20	behaviors	behavior	NOUN
fsr-3162	229	21	.	.	PUNCT
fsr-3162	230	1	for	for	ADP
fsr-3162	230	2	categorical	categorical	ADJ
fsr-3162	230	3	variables	variable	NOUN
fsr-3162	230	4	(	(	PUNCT
fsr-3162	230	5	on	on	ADP
fsr-3162	230	6	a	a	DET
fsr-3162	230	7	scale	scale	NOUN
fsr-3162	230	8	of	of	ADP
fsr-3162	230	9	1	1	NUM
fsr-3162	230	10	to	to	PART
fsr-3162	230	11	5	5	NUM
fsr-3162	230	12	)	)	PUNCT
fsr-3162	230	13	,	,	PUNCT
fsr-3162	230	14	the	the	DET
fsr-3162	230	15	columns	column	NOUN
fsr-3162	230	16	report	report	VERB
fsr-3162	230	17	the	the	DET
fsr-3162	230	18	marginal	marginal	ADJ
fsr-3162	230	19	effects	effect	NOUN
fsr-3162	230	20	on	on	ADP
fsr-3162	230	21	the	the	DET
fsr-3162	230	22	predicted	predict	VERB
fsr-3162	230	23	probability	probability	NOUN
fsr-3162	230	24	of	of	ADP
fsr-3162	230	25	“	"	PUNCT
fsr-3162	230	26	5	5	NUM
fsr-3162	230	27	=	=	PRON
fsr-3162	230	28	strongly	strongly	ADV
fsr-3162	230	29	agree	agree	VERB
fsr-3162	230	30	”	"	PUNCT
fsr-3162	230	31	due	due	ADP
fsr-3162	230	32	to	to	ADP
fsr-3162	230	33	space	space	NOUN
fsr-3162	230	34	limitations	limitation	NOUN
fsr-3162	230	35	.	.	PUNCT
fsr-3162	231	1	explanatory	explanatory	ADJ
fsr-3162	231	2	variables	variable	NOUN
fsr-3162	231	3	include	include	VERB
fsr-3162	231	4	the	the	DET
fsr-3162	231	5	dummies	dummy	NOUN
fsr-3162	231	6	for	for	ADP
fsr-3162	231	7	financial	financial	ADJ
fsr-3162	231	8	education	education	NOUN
fsr-3162	231	9	experiences	experience	NOUN
fsr-3162	231	10	,	,	PUNCT
fsr-3162	231	11	using	use	VERB
fsr-3162	231	12	the	the	DET
fsr-3162	231	13	“	"	PUNCT
fsr-3162	231	14	no	no	DET
fsr-3162	231	15	fin	fin	NOUN
fsr-3162	231	16	.	.	PUNCT
fsr-3162	232	1	education	education	NOUN
fsr-3162	232	2	”	"	PUNCT
fsr-3162	232	3	group	group	NOUN
fsr-3162	232	4	as	as	ADP
fsr-3162	232	5	the	the	DET
fsr-3162	232	6	reference	reference	NOUN
fsr-3162	232	7	group	group	NOUN
fsr-3162	232	8	.	.	PUNCT
fsr-3162	233	1	table	table	NOUN
fsr-3162	233	2	3	3	NUM
fsr-3162	233	3	shows	show	VERB
fsr-3162	233	4	that	that	SCONJ
fsr-3162	233	5	the	the	DET
fsr-3162	233	6	“	"	PUNCT
fsr-3162	233	7	fin	fin	NOUN
fsr-3162	233	8	.	.	PUNCT
fsr-3162	234	1	teaching	teaching	NOUN
fsr-3162	234	2	by	by	ADP
fsr-3162	234	3	parents	parent	NOUN
fsr-3162	234	4	only	only	ADV
fsr-3162	234	5	”	"	PUNCT
fsr-3162	234	6	and	and	CCONJ
fsr-3162	234	7	“	"	PUNCT
fsr-3162	234	8	both	both	CCONJ
fsr-3162	234	9	at	at	ADP
fsr-3162	234	10	home	home	NOUN
fsr-3162	234	11	and	and	CCONJ
fsr-3162	234	12	school/	school/	NUM
fsr-3162	234	13	work	work	NOUN
fsr-3162	234	14	”	"	PUNCT
fsr-3162	234	15	groups	group	NOUN
fsr-3162	234	16	are	be	AUX
fsr-3162	234	17	more	more	ADV
fsr-3162	234	18	likely	likely	ADJ
fsr-3162	234	19	to	to	PART
fsr-3162	234	20	display	display	VERB
fsr-3162	234	21	the	the	DET
fsr-3162	234	22	four	four	NUM
fsr-3162	234	23	short	short	ADJ
fsr-3162	234	24	-	-	PUNCT
fsr-3162	234	25	term	term	NOUN
fsr-3162	234	26	financial	financial	ADJ
fsr-3162	234	27	behaviors	behavior	NOUN
fsr-3162	234	28	.	.	PUNCT
fsr-3162	235	1	for	for	ADP
fsr-3162	235	2	instance	instance	NOUN
fsr-3162	235	3	,	,	PUNCT
fsr-3162	235	4	these	these	DET
fsr-3162	235	5	two	two	NUM
fsr-3162	235	6	groups	group	NOUN
fsr-3162	235	7	are	be	AUX
fsr-3162	235	8	7–8.5	7–8.5	X
fsr-3162	235	9	%	%	NOUN
fsr-3162	235	10	more	more	ADV
fsr-3162	235	11	likely	likely	ADJ
fsr-3162	235	12	to	to	PART
fsr-3162	235	13	strongly	strongly	ADV
fsr-3162	235	14	agree	agree	VERB
fsr-3162	235	15	with	with	ADP
fsr-3162	235	16	the	the	DET
fsr-3162	235	17	statement	statement	NOUN
fsr-3162	235	18	“	"	PUNCT
fsr-3162	235	19	before	before	SCONJ
fsr-3162	235	20	i	i	PRON
fsr-3162	235	21	buy	buy	VERB
fsr-3162	235	22	something	something	PRON
fsr-3162	235	23	,	,	PUNCT
fsr-3162	235	24	i	i	PRON
fsr-3162	235	25	carefully	carefully	ADV
fsr-3162	235	26	consider	consider	VERB
fsr-3162	235	27	whether	whether	SCONJ
fsr-3162	235	28	i	i	PRON
fsr-3162	235	29	can	can	AUX
fsr-3162	235	30	afford	afford	VERB
fsr-3162	235	31	it	it	PRON
fsr-3162	235	32	,	,	PUNCT
fsr-3162	235	33	”	"	PUNCT
fsr-3162	235	34	at	at	ADP
fsr-3162	235	35	a	a	DET
fsr-3162	235	36	significant	significant	ADJ
fsr-3162	235	37	level	level	NOUN
fsr-3162	235	38	(	(	PUNCT
fsr-3162	235	39	p	p	X
fsr-3162	235	40	<	<	X
fsr-3162	235	41	.01	.01	NUM
fsr-3162	235	42	)	)	PUNCT
fsr-3162	235	43	,	,	PUNCT
fsr-3162	235	44	relative	relative	ADJ
fsr-3162	235	45	to	to	ADP
fsr-3162	235	46	the	the	DET
fsr-3162	235	47	“	"	PUNCT
fsr-3162	235	48	no	no	DET
fsr-3162	235	49	fin	fin	NOUN
fsr-3162	235	50	.	.	PUNCT
fsr-3162	236	1	education	education	NOUN
fsr-3162	236	2	”	"	PUNCT
fsr-3162	236	3	benchmark	benchmark	NOUN
fsr-3162	236	4	group	group	NOUN
fsr-3162	236	5	.	.	PUNCT
fsr-3162	237	1	on	on	ADP
fsr-3162	237	2	the	the	DET
fsr-3162	237	3	other	other	ADJ
fsr-3162	237	4	hand	hand	NOUN
fsr-3162	237	5	,	,	PUNCT
fsr-3162	237	6	the	the	DET
fsr-3162	237	7	“	"	PUNCT
fsr-3162	237	8	fin	fin	NOUN
fsr-3162	237	9	.	.	PUNCT
fsr-3162	237	10	education	education	NOUN
fsr-3162	237	11	at	at	ADP
fsr-3162	237	12	school	school	NOUN
fsr-3162	237	13	/	/	SYM
fsr-3162	237	14	work	work	NOUN
fsr-3162	237	15	only	only	ADV
fsr-3162	237	16	”	"	PUNCT
fsr-3162	237	17	group	group	NOUN
fsr-3162	237	18	shows	show	VERB
fsr-3162	237	19	no	no	DET
fsr-3162	237	20	significant	significant	ADJ
fsr-3162	237	21	coefficient	coefficient	NOUN
fsr-3162	237	22	for	for	ADP
fsr-3162	237	23	“	"	PUNCT
fsr-3162	237	24	carefully	carefully	ADV
fsr-3162	237	25	consider	consider	VERB
fsr-3162	237	26	whether	whether	SCONJ
fsr-3162	237	27	i	i	PRON
fsr-3162	237	28	can	can	AUX
fsr-3162	237	29	afford	afford	VERB
fsr-3162	237	30	it	it	PRON
fsr-3162	237	31	”	"	PUNCT
fsr-3162	237	32	and	and	CCONJ
fsr-3162	237	33	“	"	PUNCT
fsr-3162	237	34	pay	pay	VERB
fsr-3162	237	35	bills	bill	NOUN
fsr-3162	237	36	in	in	ADP
fsr-3162	237	37	time	time	NOUN
fsr-3162	237	38	,	,	PUNCT
fsr-3162	237	39	”	"	PUNCT
fsr-3162	237	40	respectively	respectively	ADV
fsr-3162	237	41	.	.	PUNCT
fsr-3162	238	1	in	in	ADP
fsr-3162	238	2	the	the	DET
fsr-3162	238	3	other	other	ADJ
fsr-3162	238	4	two	two	NUM
fsr-3162	238	5	short	short	ADJ
fsr-3162	238	6	-	-	PUNCT
fsr-3162	238	7	term	term	NOUN
fsr-3162	238	8	variables	variable	NOUN
fsr-3162	238	9	,	,	PUNCT
fsr-3162	238	10	“	"	PUNCT
fsr-3162	238	11	fin	fin	NOUN
fsr-3162	238	12	.	.	PUNCT
fsr-3162	238	13	education	education	NOUN
fsr-3162	238	14	at	at	ADP
fsr-3162	238	15	school	school	NOUN
fsr-3162	238	16	/	/	SYM
fsr-3162	238	17	work	work	NOUN
fsr-3162	238	18	only	only	ADV
fsr-3162	238	19	”	"	PUNCT
fsr-3162	238	20	group	group	NOUN
fsr-3162	238	21	indicates	indicate	VERB
fsr-3162	238	22	significant	significant	ADJ
fsr-3162	238	23	coefficients	coefficient	NOUN
fsr-3162	238	24	but	but	CCONJ
fsr-3162	238	25	with	with	ADP
fsr-3162	238	26	a	a	DET
fsr-3162	238	27	smaller	small	ADJ
fsr-3162	238	28	magnitude	magnitude	NOUN
fsr-3162	238	29	compared	compare	VERB
fsr-3162	238	30	with	with	ADP
fsr-3162	238	31	the	the	DET
fsr-3162	238	32	other	other	ADJ
fsr-3162	238	33	two	two	NUM
fsr-3162	238	34	groups	group	NOUN
fsr-3162	238	35	.	.	PUNCT
fsr-3162	239	1	in	in	ADP
fsr-3162	239	2	fact	fact	NOUN
fsr-3162	239	3	,	,	PUNCT
fsr-3162	239	4	the	the	DET
fsr-3162	239	5	coefficient	coefficient	NOUN
fsr-3162	239	6	equality	equality	NOUN
fsr-3162	239	7	tests	test	NOUN
fsr-3162	239	8	,	,	PUNCT
fsr-3162	239	9	reported	report	VERB
fsr-3162	239	10	at	at	ADP
fsr-3162	239	11	the	the	DET
fsr-3162	239	12	bottom	bottom	NOUN
fsr-3162	239	13	of	of	ADP
fsr-3162	239	14	table	table	NOUN
fsr-3162	239	15	3	3	NUM
fsr-3162	239	16	,	,	PUNCT
fsr-3162	239	17	show	show	VERB
fsr-3162	239	18	that	that	SCONJ
fsr-3162	239	19	“	"	PUNCT
fsr-3162	239	20	fin	fin	NOUN
fsr-3162	239	21	.	.	PUNCT
fsr-3162	240	1	teaching	teaching	NOUN
fsr-3162	240	2	by	by	ADP
fsr-3162	240	3	parents	parent	NOUN
fsr-3162	240	4	only	only	ADV
fsr-3162	240	5	”	"	PUNCT
fsr-3162	240	6	is	be	AUX
fsr-3162	240	7	more	more	ADV
fsr-3162	240	8	likely	likely	ADJ
fsr-3162	240	9	than	than	ADP
fsr-3162	240	10	“	"	PUNCT
fsr-3162	240	11	fin	fin	NOUN
fsr-3162	240	12	.	.	PUNCT
fsr-3162	241	1	education	education	NOUN
fsr-3162	241	2	at	at	ADP
fsr-3162	241	3	school	school	NOUN
fsr-3162	241	4	/	/	SYM
fsr-3162	241	5	work	work	NOUN
fsr-3162	241	6	only	only	ADV
fsr-3162	241	7	”	"	PUNCT
fsr-3162	241	8	to	to	PART
fsr-3162	241	9	display	display	VERB
fsr-3162	241	10	the	the	DET
fsr-3162	241	11	short	short	ADJ
fsr-3162	241	12	-	-	PUNCT
fsr-3162	241	13	term	term	NOUN
fsr-3162	241	14	behaviors	behavior	NOUN
fsr-3162	241	15	at	at	ADP
fsr-3162	241	16	a	a	DET
fsr-3162	241	17	significant	significant	ADJ
fsr-3162	241	18	level	level	NOUN
fsr-3162	241	19	.	.	PUNCT
fsr-3162	242	1	table	table	NOUN
fsr-3162	242	2	4	4	NUM
fsr-3162	242	3	reports	report	VERB
fsr-3162	242	4	the	the	DET
fsr-3162	242	5	probit	probit	NOUN
fsr-3162	242	6	result	result	VERB
fsr-3162	242	7	on	on	ADP
fsr-3162	242	8	the	the	DET
fsr-3162	242	9	long	long	ADJ
fsr-3162	242	10	-	-	PUNCT
fsr-3162	242	11	term	term	NOUN
fsr-3162	242	12	financial	financial	ADJ
fsr-3162	242	13	behaviors	behavior	NOUN
fsr-3162	242	14	.	.	PUNCT
fsr-3162	243	1	all	all	DET
fsr-3162	243	2	three	three	NUM
fsr-3162	243	3	groups	group	NOUN
fsr-3162	243	4	receiving	receive	VERB
fsr-3162	243	5	financial	financial	ADJ
fsr-3162	243	6	education	education	NOUN
fsr-3162	243	7	were	be	AUX
fsr-3162	243	8	more	more	ADV
fsr-3162	243	9	likely	likely	ADJ
fsr-3162	243	10	than	than	ADP
fsr-3162	243	11	the	the	DET
fsr-3162	243	12	group	group	NOUN
fsr-3162	243	13	receiving	receive	VERB
fsr-3162	243	14	no	no	DET
fsr-3162	243	15	financial	financial	ADJ
fsr-3162	243	16	education	education	NOUN
fsr-3162	243	17	to	to	PART
fsr-3162	243	18	manifest	manifest	VERB
fsr-3162	243	19	the	the	DET
fsr-3162	243	20	four	four	NUM
fsr-3162	243	21	long	long	ADJ
fsr-3162	243	22	-	-	PUNCT
fsr-3162	243	23	term	term	NOUN
fsr-3162	243	24	financial	financial	ADJ
fsr-3162	243	25	behaviors	behavior	NOUN
fsr-3162	243	26	at	at	ADP
fsr-3162	243	27	a	a	DET
fsr-3162	243	28	significant	significant	ADJ
fsr-3162	243	29	level	level	NOUN
fsr-3162	243	30	(	(	PUNCT
fsr-3162	243	31	p	p	X
fsr-3162	243	32	<	<	X
fsr-3162	243	33	.01	.01	NUM
fsr-3162	243	34	)	)	PUNCT
fsr-3162	243	35	.	.	PUNCT
fsr-3162	244	1	individuals	individual	NOUN
fsr-3162	244	2	receiving	receive	VERB
fsr-3162	244	3	education	education	NOUN
fsr-3162	244	4	either	either	CCONJ
fsr-3162	244	5	at	at	ADP
fsr-3162	244	6	school	school	NOUN
fsr-3162	244	7	or	or	CCONJ
fsr-3162	244	8	at	at	ADP
fsr-3162	244	9	work	work	NOUN
fsr-3162	244	10	have	have	VERB
fsr-3162	244	11	a	a	DET
fsr-3162	244	12	higher	high	ADJ
fsr-3162	244	13	likelihood	likelihood	NOUN
fsr-3162	244	14	than	than	ADP
fsr-3162	244	15	those	those	PRON
fsr-3162	244	16	“	"	PUNCT
fsr-3162	244	17	taught	teach	VERB
fsr-3162	244	18	by	by	ADP
fsr-3162	244	19	parents	parent	NOUN
fsr-3162	244	20	only	only	ADV
fsr-3162	244	21	.	.	PUNCT
fsr-3162	244	22	”	"	PUNCT
fsr-3162	245	1	for	for	ADP
fsr-3162	245	2	instance	instance	NOUN
fsr-3162	245	3	,	,	PUNCT
fsr-3162	245	4	compared	compare	VERB
fsr-3162	245	5	with	with	ADP
fsr-3162	245	6	the	the	DET
fsr-3162	245	7	no	no	DET
fsr-3162	245	8	-	-	PUNCT
fsr-3162	245	9	financial	financial	ADJ
fsr-3162	245	10	-	-	PUNCT
fsr-3162	245	11	education	education	NOUN
fsr-3162	245	12	group	group	NOUN
fsr-3162	245	13	,	,	PUNCT
fsr-3162	245	14	the	the	DET
fsr-3162	245	15	“	"	PUNCT
fsr-3162	245	16	financial	financial	ADJ
fsr-3162	245	17	education	education	NOUN
fsr-3162	245	18	at	at	ADP
fsr-3162	245	19	school	school	NOUN
fsr-3162	245	20	/	/	SYM
fsr-3162	245	21	work	work	NOUN
fsr-3162	245	22	only	only	ADV
fsr-3162	245	23	”	"	PUNCT
fsr-3162	245	24	group	group	NOUN
fsr-3162	245	25	has	have	VERB
fsr-3162	245	26	a	a	DET
fsr-3162	245	27	16	16	NUM
fsr-3162	245	28	%	%	NOUN
fsr-3162	245	29	higher	high	ADJ
fsr-3162	245	30	likelihood	likelihood	NOUN
fsr-3162	245	31	,	,	PUNCT
fsr-3162	245	32	but	but	CCONJ
fsr-3162	245	33	the	the	DET
fsr-3162	245	34	“	"	PUNCT
fsr-3162	245	35	taught	teach	VERB
fsr-3162	245	36	by	by	ADP
fsr-3162	245	37	parents	parent	NOUN
fsr-3162	245	38	only	only	ADV
fsr-3162	245	39	”	"	PUNCT
fsr-3162	245	40	group	group	NOUN
fsr-3162	245	41	has	have	VERB
fsr-3162	245	42	2	2	NUM
fsr-3162	245	43	%	%	NOUN
fsr-3162	245	44	,	,	PUNCT
fsr-3162	245	45	respectively	respectively	ADV
fsr-3162	245	46	,	,	PUNCT
fsr-3162	245	47	to	to	PART
fsr-3162	245	48	have	have	VERB
fsr-3162	245	49	stock	stock	NOUN
fsr-3162	245	50	investment	investment	NOUN
fsr-3162	245	51	experience	experience	NOUN
fsr-3162	245	52	.	.	PUNCT
fsr-3162	246	1	the	the	DET
fsr-3162	246	2	coefficient	coefficient	NOUN
fsr-3162	246	3	equality	equality	NOUN
fsr-3162	246	4	tests	test	NOUN
fsr-3162	246	5	also	also	ADV
fsr-3162	246	6	show	show	VERB
fsr-3162	246	7	that	that	SCONJ
fsr-3162	246	8	the	the	DET
fsr-3162	246	9	“	"	PUNCT
fsr-3162	246	10	fin	fin	NOUN
fsr-3162	246	11	.	.	PUNCT
fsr-3162	246	12	education	education	NOUN
fsr-3162	246	13	at	at	ADP
fsr-3162	246	14	school	school	NOUN
fsr-3162	246	15	/	/	SYM
fsr-3162	246	16	work	work	NOUN
fsr-3162	246	17	only	only	ADV
fsr-3162	246	18	”	"	PUNCT
fsr-3162	246	19	group	group	NOUN
fsr-3162	246	20	is	be	AUX
fsr-3162	246	21	more	more	ADV
fsr-3162	246	22	likely	likely	ADJ
fsr-3162	246	23	than	than	SCONJ
fsr-3162	246	24	the	the	DET
fsr-3162	246	25	“	"	PUNCT
fsr-3162	246	26	taught	teach	VERB
fsr-3162	246	27	by	by	ADP
fsr-3162	246	28	parents	parent	NOUN
fsr-3162	246	29	only	only	ADV
fsr-3162	246	30	”	"	PUNCT
fsr-3162	246	31	group	group	NOUN
fsr-3162	246	32	to	to	PART
fsr-3162	246	33	display	display	VERB
fsr-3162	246	34	the	the	DET
fsr-3162	246	35	short	short	ADJ
fsr-3162	246	36	-	-	PUNCT
fsr-3162	246	37	term	term	NOUN
fsr-3162	246	38	behaviors	behavior	NOUN
fsr-3162	246	39	at	at	ADP
fsr-3162	246	40	a	a	DET
fsr-3162	246	41	significant	significant	ADJ
fsr-3162	246	42	level	level	NOUN
fsr-3162	246	43	.	.	PUNCT
fsr-3162	247	1	t.-m	t.-m	NOUN
fsr-3162	247	2	.	.	PUNCT
fsr-3162	248	1	yeh	yeh	PROPN
fsr-3162	248	2	/	/	SYM
fsr-3162	248	3	financial	financial	ADJ
fsr-3162	248	4	services	service	NOUN
fsr-3162	248	5	review	review	VERB
fsr-3162	248	6	30	30	NUM
fsr-3162	248	7	(	(	PUNCT
fsr-3162	248	8	2022	2022	NUM
fsr-3162	248	9	)	)	PUNCT
fsr-3162	248	10	297–320	297–320	NUM
fsr-3162	248	11	307	307	NUM
fsr-3162	248	12	t	t	NOUN
fsr-3162	248	13	ab	ab	PROPN
fsr-3162	248	14	le	le	X
fsr-3162	248	15	3	3	NUM
fsr-3162	248	16	a	a	DET
fsr-3162	248	17	v	v	INTJ
fsr-3162	248	18	er	er	INTJ
fsr-3162	248	19	ag	ag	PROPN
fsr-3162	248	20	e	e	PROPN
fsr-3162	248	21	m	m	PROPN
fsr-3162	248	22	ar	ar	PROPN
fsr-3162	248	23	g	g	PROPN
fsr-3162	248	24	in	in	ADP
fsr-3162	248	25	al	al	PROPN
fsr-3162	248	26	ef	ef	PROPN
fsr-3162	248	27	fe	fe	X
fsr-3162	249	1	ct	ct	NUM
fsr-3162	249	2	s	s	PROPN
fsr-3162	249	3	(	(	PUNCT
fsr-3162	249	4	a	a	DET
fsr-3162	249	5	m	m	NOUN
fsr-3162	249	6	e	e	NOUN
fsr-3162	249	7	)	)	PUNCT
fsr-3162	250	1	o	o	NOUN
fsr-3162	251	1	f	f	X
fsr-3162	251	2	o	o	INTJ
fsr-3162	251	3	rd	rd	NOUN
fsr-3162	251	4	er	er	INTJ
fsr-3162	251	5	ed	ed	NOUN
fsr-3162	251	6	p	p	PROPN
fsr-3162	251	7	ro	ro	PROPN
fsr-3162	251	8	b	b	X
fsr-3162	251	9	it	it	PRON
fsr-3162	251	10	re	re	ADP
fsr-3162	251	11	g	g	PROPN
fsr-3162	251	12	re	re	ADP
fsr-3162	251	13	ss	ss	PROPN
fsr-3162	251	14	io	io	PROPN
fsr-3162	252	1	n	n	ADV
fsr-3162	253	1	o	o	X
fsr-3162	253	2	f	f	X
fsr-3162	253	3	th	th	X
fsr-3162	253	4	e	e	X
fsr-3162	253	5	sh	sh	INTJ
fsr-3162	253	6	o	o	INTJ
fsr-3162	253	7	rt	rt	INTJ
fsr-3162	254	1	-t	-t	INTJ
fsr-3162	254	2	er	er	INTJ
fsr-3162	254	3	m	m	PROPN
fsr-3162	254	4	fi	fi	NOUN
fsr-3162	254	5	n	n	CCONJ
fsr-3162	254	6	an	an	DET
fsr-3162	254	7	ci	ci	PROPN
fsr-3162	254	8	al	al	PROPN
fsr-3162	254	9	b	b	PROPN
fsr-3162	254	10	eh	eh	INTJ
fsr-3162	254	11	av	av	PROPN
fsr-3162	255	1	io	io	X
fsr-3162	255	2	rs	rs	PROPN
fsr-3162	255	3	p	p	PROPN
fsr-3162	255	4	re	re	PROPN
fsr-3162	255	5	d	d	NOUN
fsr-3162	255	6	ic	ic	X
fsr-3162	255	7	te	te	PROPN
fsr-3162	255	8	d	d	X
fsr-3162	255	9	p	p	X
fsr-3162	255	10	ro	ro	PROPN
fsr-3162	255	11	b	b	PROPN
fsr-3162	255	12	ab	ab	PROPN
fsr-3162	255	13	il	il	PROPN
fsr-3162	256	1	it	it	PRON
fsr-3162	257	1	y	y	NOUN
fsr-3162	257	2	o	o	X
fsr-3162	258	1	f	f	PROPN
fsr-3162	258	2	st	st	PROPN
fsr-3162	258	3	ro	ro	PROPN
fsr-3162	258	4	n	n	ADP
fsr-3162	258	5	g	g	PROPN
fsr-3162	258	6	ly	ly	ADP
fsr-3162	258	7	ag	ag	PROPN
fsr-3162	258	8	re	re	ADP
fsr-3162	258	9	ei	ei	PROPN
fsr-3162	258	10	n	n	PRON
fsr-3162	258	11	g	g	NOUN
fsr-3162	258	12	:	:	PUNCT
fsr-3162	258	13	c	c	PROPN
fsr-3162	258	14	ar	ar	PROPN
fsr-3162	258	15	ef	ef	PROPN
fsr-3162	258	16	u	u	PROPN
fsr-3162	258	17	ll	ll	PROPN
fsr-3162	258	18	y	y	PROPN
fsr-3162	258	19	co	co	NOUN
fsr-3162	258	20	n	n	PROPN
fsr-3162	258	21	si	si	PROPN
fsr-3162	258	22	d	d	PROPN
fsr-3162	258	23	er	er	INTJ
fsr-3162	258	24	b	b	PROPN
fsr-3162	258	25	ef	ef	ADP
fsr-3162	258	26	o	o	PROPN
fsr-3162	258	27	re	re	X
fsr-3162	258	28	b	b	X
fsr-3162	258	29	u	u	X
fsr-3162	258	30	y	y	PROPN
fsr-3162	258	31	in	in	ADP
fsr-3162	258	32	g	g	PROPN
fsr-3162	258	33	p	p	PROPN
fsr-3162	258	34	ay	ay	PROPN
fsr-3162	258	35	b	b	X
fsr-3162	258	36	il	il	PROPN
fsr-3162	259	1	ls	ls	PROPN
fsr-3162	259	2	o	o	PROPN
fsr-3162	259	3	n	n	CCONJ
fsr-3162	259	4	ti	ti	NOUN
fsr-3162	259	5	m	m	NOUN
fsr-3162	259	6	e	e	NOUN
fsr-3162	259	7	k	k	PROPN
fsr-3162	259	8	ee	ee	PROPN
fsr-3162	259	9	p	p	PROPN
fsr-3162	259	10	a	a	DET
fsr-3162	259	11	cl	cl	NOUN
fsr-3162	259	12	o	o	NOUN
fsr-3162	259	13	se	se	X
fsr-3162	259	14	ey	ey	X
fsr-3162	259	15	e	e	NOUN
fsr-3162	259	16	o	o	NOUN
fsr-3162	259	17	n	n	CCONJ
fsr-3162	259	18	fi	fi	NOUN
fsr-3162	259	19	n	n	CCONJ
fsr-3162	259	20	an	an	DET
fsr-3162	259	21	ci	ci	NOUN
fsr-3162	259	22	al	al	PROPN
fsr-3162	259	23	af	af	PROPN
fsr-3162	259	24	fa	fa	PROPN
fsr-3162	259	25	ir	ir	PROPN
fsr-3162	259	26	s	s	PROPN
fsr-3162	259	27	h	h	NOUN
fsr-3162	260	1	av	av	PROPN
fsr-3162	260	2	e	e	PROPN
fsr-3162	260	3	an	an	PRON
fsr-3162	260	4	em	em	PRON
fsr-3162	260	5	er	er	INTJ
fsr-3162	260	6	g	g	PROPN
fsr-3162	260	7	en	en	PROPN
fsr-3162	260	8	cy	cy	PROPN
fsr-3162	260	9	fu	fu	PROPN
fsr-3162	260	10	n	n	PROPN
fsr-3162	260	11	d	d	PROPN
fsr-3162	260	12	a	a	DET
fsr-3162	260	13	m	m	NOUN
fsr-3162	260	14	e	e	NOUN
fsr-3162	260	15	p	p	NOUN
fsr-3162	260	16	a	a	DET
fsr-3162	260	17	m	m	NOUN
fsr-3162	260	18	e	e	NOUN
fsr-3162	260	19	p	p	NOUN
fsr-3162	260	20	a	a	DET
fsr-3162	260	21	m	m	NOUN
fsr-3162	260	22	e	e	NOUN
fsr-3162	260	23	p	p	NOUN
fsr-3162	260	24	a	a	DET
fsr-3162	260	25	m	m	NOUN
fsr-3162	260	26	e	e	NOUN
fsr-3162	260	27	p	p	X
fsr-3162	260	28	f	f	PROPN
fsr-3162	260	29	in	in	ADP
fsr-3162	260	30	.	.	PUNCT
fsr-3162	261	1	te	te	INTJ
fsr-3162	261	2	ac	ac	PROPN
fsr-3162	261	3	h	h	PROPN
fsr-3162	261	4	in	in	ADP
fsr-3162	261	5	g	g	PROPN
fsr-3162	261	6	b	b	PROPN
fsr-3162	261	7	y	y	PROPN
fsr-3162	261	8	p	p	PROPN
fsr-3162	261	9	ar	ar	PROPN
fsr-3162	261	10	en	en	X
fsr-3162	261	11	ts	ts	ADP
fsr-3162	261	12	o	o	PROPN
fsr-3162	261	13	n	n	ADV
fsr-3162	261	14	ly	ly	ADP
fsr-3162	261	15	0	0	NUM
fsr-3162	261	16	.0	.0	NUM
fsr-3162	261	17	7	7	NUM
fsr-3162	261	18	1	1	NUM
fsr-3162	261	19	.0	.0	NUM
fsr-3162	261	20	0	0	NUM
fsr-3162	261	21	0	0	NUM
fsr-3162	261	22	0	0	NUM
fsr-3162	261	23	.0	.0	NUM
fsr-3162	261	24	6	6	NUM
fsr-3162	261	25	9	9	NUM
fsr-3162	261	26	.0	.0	NUM
fsr-3162	261	27	0	0	NUM
fsr-3162	261	28	0	0	NUM
fsr-3162	261	29	0	0	NUM
fsr-3162	262	1	.0	.0	NUM
fsr-3162	262	2	8	8	NUM
fsr-3162	262	3	3	3	NUM
fsr-3162	262	4	.0	.0	NUM
fsr-3162	262	5	0	0	NUM
fsr-3162	262	6	0	0	NUM
fsr-3162	262	7	0	0	NUM
fsr-3162	262	8	.1	.1	NUM
fsr-3162	262	9	0	0	NUM
fsr-3162	262	10	5	5	NUM
fsr-3162	262	11	.0	.0	NUM
fsr-3162	262	12	0	0	NUM
fsr-3162	262	13	0	0	NUM
fsr-3162	262	14	f	f	NOUN
fsr-3162	262	15	in	in	ADV
fsr-3162	262	16	.	.	PUNCT
fsr-3162	263	1	ed	ed	NOUN
fsr-3162	263	2	u	u	INTJ
fsr-3162	263	3	ca	can	AUX
fsr-3162	263	4	ti	ti	NOUN
fsr-3162	263	5	o	o	PROPN
fsr-3162	263	6	n	n	X
fsr-3162	263	7	at	at	ADP
fsr-3162	263	8	sc	sc	PROPN
fsr-3162	263	9	h	h	NOUN
fsr-3162	263	10	o	o	NOUN
fsr-3162	263	11	o	o	X
fsr-3162	263	12	l/	l/	NOUN
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fsr-3162	290	19	3	3	NUM
fsr-3162	290	20	4	4	NUM
fsr-3162	290	21	.0	.0	NUM
fsr-3162	290	22	0	0	NUM
fsr-3162	291	1	1	1	NUM
fsr-3162	291	2	0	0	NUM
fsr-3162	291	3	.0	.0	NUM
fsr-3162	291	4	7	7	NUM
fsr-3162	291	5	4	4	NUM
fsr-3162	291	6	.0	.0	NUM
fsr-3162	291	7	0	0	NUM
fsr-3162	291	8	0	0	NUM
fsr-3162	291	9	>	>	SYM
fsr-3162	291	10	2	2	NUM
fsr-3162	291	11	.5	.5	NUM
fsr-3162	291	12	an	an	DET
fsr-3162	291	13	d	d	X
fsr-3162	291	14	<	<	X
fsr-3162	291	15	5	5	NUM
fsr-3162	291	16	m	m	PROPN
fsr-3162	291	17	il	il	PROPN
fsr-3162	291	18	.	.	PUNCT
fsr-3162	292	1	y	y	PROPN
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fsr-3162	292	3	0	0	NUM
fsr-3162	292	4	.0	.0	NUM
fsr-3162	292	5	0	0	NUM
fsr-3162	292	6	2	2	NUM
fsr-3162	292	7	.8	.8	NUM
fsr-3162	292	8	7	7	NUM
fsr-3162	292	9	9	9	NUM
fsr-3162	292	10	0	0	NUM
fsr-3162	292	11	.0	.0	NUM
fsr-3162	292	12	6	6	NUM
fsr-3162	292	13	7	7	NUM
fsr-3162	292	14	.0	.0	NUM
fsr-3162	292	15	0	0	NUM
fsr-3162	292	16	0	0	NUM
fsr-3162	292	17	0	0	NUM
fsr-3162	292	18	.0	.0	NUM
fsr-3162	293	1	5	5	NUM
fsr-3162	293	2	0	0	NUM
fsr-3162	293	3	.0	.0	NUM
fsr-3162	293	4	0	0	NUM
fsr-3162	293	5	0	0	NUM
fsr-3162	293	6	0	0	NUM
fsr-3162	293	7	.1	.1	NUM
fsr-3162	293	8	5	5	NUM
fsr-3162	293	9	6	6	NUM
fsr-3162	293	10	.0	.0	NUM
fsr-3162	293	11	0	0	NUM
fsr-3162	293	12	0	0	NUM
fsr-3162	293	13	>	>	X
fsr-3162	293	14	5	5	NUM
fsr-3162	293	15	an	an	DET
fsr-3162	293	16	d	d	X
fsr-3162	293	17	<	<	X
fsr-3162	293	18	7	7	NUM
fsr-3162	293	19	.5	.5	NUM
fsr-3162	293	20	m	m	VERB
fsr-3162	293	21	il	il	PROPN
fsr-3162	293	22	.	.	PUNCT
fsr-3162	294	1	y	y	PROPN
fsr-3162	294	2	en	en	PROPN
fsr-3162	294	3	�	�	PROPN
fsr-3162	294	4	0	0	PROPN
fsr-3162	294	5	.0	.0	NUM
fsr-3162	294	6	2	2	NUM
fsr-3162	294	7	7	7	NUM
fsr-3162	294	8	.1	.1	NUM
fsr-3162	294	9	0	0	NUM
fsr-3162	294	10	1	1	NUM
fsr-3162	294	11	0	0	NUM
fsr-3162	294	12	.1	.1	NUM
fsr-3162	294	13	1	1	NUM
fsr-3162	294	14	1	1	NUM
fsr-3162	294	15	.0	.0	NUM
fsr-3162	294	16	0	0	NUM
fsr-3162	294	17	0	0	NUM
fsr-3162	294	18	0	0	NUM
fsr-3162	294	19	.0	.0	NUM
fsr-3162	294	20	5	5	NUM
fsr-3162	294	21	8	8	NUM
fsr-3162	294	22	.0	.0	NUM
fsr-3162	294	23	0	0	NUM
fsr-3162	294	24	0	0	NUM
fsr-3162	294	25	0	0	NUM
fsr-3162	295	1	.2	.2	NUM
fsr-3162	295	2	2	2	NUM
fsr-3162	295	3	4	4	NUM
fsr-3162	295	4	.0	.0	NUM
fsr-3162	295	5	0	0	NUM
fsr-3162	295	6	0	0	NUM
fsr-3162	295	7	>	>	X
fsr-3162	295	8	7	7	NUM
fsr-3162	295	9	.5	.5	NUM
fsr-3162	295	10	an	an	DET
fsr-3162	295	11	d	d	X
fsr-3162	295	12	<	<	X
fsr-3162	295	13	1	1	NUM
fsr-3162	295	14	0	0	NUM
fsr-3162	295	15	m	m	VERB
fsr-3162	295	16	il	il	PROPN
fsr-3162	295	17	.	.	PUNCT
fsr-3162	296	1	y	y	PROPN
fsr-3162	296	2	en	en	PROPN
fsr-3162	296	3	�	�	PROPN
fsr-3162	296	4	0	0	NUM
fsr-3162	296	5	.0	.0	NUM
fsr-3162	296	6	5	5	NUM
fsr-3162	296	7	2	2	NUM
fsr-3162	296	8	.0	.0	NUM
fsr-3162	296	9	0	0	NUM
fsr-3162	296	10	3	3	NUM
fsr-3162	296	11	0	0	NUM
fsr-3162	296	12	.0	.0	NUM
fsr-3162	296	13	9	9	NUM
fsr-3162	296	14	8	8	NUM
fsr-3162	296	15	.0	.0	NUM
fsr-3162	296	16	0	0	NUM
fsr-3162	296	17	0	0	NUM
fsr-3162	296	18	0	0	NUM
fsr-3162	296	19	.0	.0	NUM
fsr-3162	296	20	6	6	NUM
fsr-3162	296	21	7	7	NUM
fsr-3162	296	22	.0	.0	NUM
fsr-3162	296	23	0	0	NUM
fsr-3162	296	24	0	0	NUM
fsr-3162	296	25	0	0	NUM
fsr-3162	297	1	.2	.2	NUM
fsr-3162	297	2	5	5	NUM
fsr-3162	297	3	6	6	NUM
fsr-3162	297	4	.0	.0	NUM
fsr-3162	297	5	0	0	NUM
fsr-3162	297	6	0	0	NUM
fsr-3162	297	7	>	>	SYM
fsr-3162	297	8	1	1	NUM
fsr-3162	297	9	0	0	NUM
fsr-3162	297	10	an	an	DET
fsr-3162	297	11	d	d	X
fsr-3162	297	12	<	<	X
fsr-3162	297	13	1	1	NUM
fsr-3162	297	14	5	5	NUM
fsr-3162	297	15	m	m	NOUN
fsr-3162	297	16	il	il	PROPN
fsr-3162	297	17	.	.	PUNCT
fsr-3162	298	1	y	y	PROPN
fsr-3162	298	2	en	en	PROPN
fsr-3162	298	3	�	�	PROPN
fsr-3162	298	4	0	0	PROPN
fsr-3162	298	5	.0	.0	NUM
fsr-3162	298	6	7	7	NUM
fsr-3162	298	7	3	3	NUM
fsr-3162	298	8	.0	.0	NUM
fsr-3162	298	9	0	0	NUM
fsr-3162	298	10	0	0	NUM
fsr-3162	298	11	0	0	NUM
fsr-3162	298	12	.1	.1	NUM
fsr-3162	298	13	2	2	NUM
fsr-3162	298	14	5	5	NUM
fsr-3162	298	15	.0	.0	NUM
fsr-3162	298	16	0	0	NUM
fsr-3162	298	17	0	0	NUM
fsr-3162	298	18	0	0	NUM
fsr-3162	298	19	.0	.0	NUM
fsr-3162	298	20	8	8	NUM
fsr-3162	298	21	0	0	NUM
fsr-3162	298	22	.0	.0	NUM
fsr-3162	298	23	0	0	NUM
fsr-3162	298	24	0	0	NUM
fsr-3162	298	25	0	0	NUM
fsr-3162	299	1	.2	.2	NUM
fsr-3162	299	2	9	9	NUM
fsr-3162	299	3	6	6	NUM
fsr-3162	299	4	.0	.0	NUM
fsr-3162	299	5	0	0	NUM
fsr-3162	299	6	0	0	NUM
fsr-3162	299	7	>	>	SYM
fsr-3162	299	8	1	1	NUM
fsr-3162	299	9	5	5	NUM
fsr-3162	299	10	m	m	NOUN
fsr-3162	299	11	il	il	PROPN
fsr-3162	299	12	.	.	PUNCT
fsr-3162	300	1	y	y	PROPN
fsr-3162	300	2	en	en	PROPN
fsr-3162	300	3	�	�	PROPN
fsr-3162	300	4	0	0	PROPN
fsr-3162	300	5	.1	.1	NUM
fsr-3162	300	6	4	4	NUM
fsr-3162	300	7	0	0	NUM
fsr-3162	300	8	.0	.0	NUM
fsr-3162	300	9	0	0	NUM
fsr-3162	300	10	0	0	NUM
fsr-3162	300	11	0	0	NUM
fsr-3162	300	12	.1	.1	NUM
fsr-3162	300	13	2	2	NUM
fsr-3162	300	14	3	3	NUM
fsr-3162	300	15	.0	.0	NUM
fsr-3162	300	16	0	0	NUM
fsr-3162	300	17	0	0	NUM
fsr-3162	300	18	0	0	NUM
fsr-3162	300	19	.0	.0	NUM
fsr-3162	300	20	9	9	NUM
fsr-3162	300	21	5	5	NUM
fsr-3162	300	22	.0	.0	NUM
fsr-3162	300	23	0	0	NUM
fsr-3162	300	24	0	0	NUM
fsr-3162	300	25	0	0	NUM
fsr-3162	300	26	.3	.3	NUM
fsr-3162	300	27	4	4	NUM
fsr-3162	300	28	0	0	NUM
fsr-3162	300	29	.0	.0	NUM
fsr-3162	300	30	0	0	NUM
fsr-3162	300	31	0	0	NUM
fsr-3162	300	32	4	4	NUM
fsr-3162	300	33	-y	-y	SYM
fsr-3162	300	34	ea	ea	NOUN
fsr-3162	300	35	r	r	NOUN
fsr-3162	300	36	co	co	NOUN
fsr-3162	300	37	ll	ll	AUX
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fsr-3162	300	39	e	e	PROPN
fsr-3162	300	40	0	0	PROPN
fsr-3162	300	41	.0	.0	NUM
fsr-3162	300	42	0	0	NUM
fsr-3162	300	43	7	7	NUM
fsr-3162	300	44	.2	.2	NUM
fsr-3162	300	45	2	2	NUM
fsr-3162	300	46	9	9	NUM
fsr-3162	300	47	0	0	NUM
fsr-3162	300	48	.0	.0	NUM
fsr-3162	300	49	0	0	NUM
fsr-3162	300	50	9	9	NUM
fsr-3162	300	51	.1	.1	NUM
fsr-3162	300	52	2	2	NUM
fsr-3162	300	53	4	4	NUM
fsr-3162	300	54	0	0	NUM
fsr-3162	300	55	.0	.0	NUM
fsr-3162	300	56	1	1	NUM
fsr-3162	300	57	5	5	NUM
fsr-3162	300	58	.0	.0	NUM
fsr-3162	300	59	0	0	NUM
fsr-3162	300	60	1	1	NUM
fsr-3162	300	61	0	0	NUM
fsr-3162	300	62	.0	.0	NUM
fsr-3162	300	63	5	5	NUM
fsr-3162	300	64	3	3	NUM
fsr-3162	300	65	.0	.0	NUM
fsr-3162	300	66	0	0	NUM
fsr-3162	300	67	0	0	NUM
fsr-3162	301	1	g	g	NOUN
fsr-3162	301	2	ra	ra	PROPN
fsr-3162	302	1	d	d	X
fsr-3162	302	2	u	u	NOUN
fsr-3162	302	3	at	at	ADP
fsr-3162	302	4	e	e	X
fsr-3162	302	5	0	0	NUM
fsr-3162	303	1	.0	.0	NUM
fsr-3162	303	2	1	1	NUM
fsr-3162	303	3	4	4	NUM
fsr-3162	304	1	.2	.2	NUM
fsr-3162	304	2	7	7	NUM
fsr-3162	304	3	5	5	NUM
fsr-3162	304	4	�	�	PROPN
fsr-3162	304	5	0	0	NUM
fsr-3162	304	6	.0	.0	NUM
fsr-3162	304	7	0	0	NUM
fsr-3162	304	8	5	5	NUM
fsr-3162	304	9	.7	.7	NUM
fsr-3162	304	10	2	2	NUM
fsr-3162	304	11	0	0	NUM
fsr-3162	304	12	0	0	NUM
fsr-3162	304	13	.0	.0	NUM
fsr-3162	304	14	4	4	NUM
fsr-3162	304	15	3	3	NUM
fsr-3162	304	16	.0	.0	NUM
fsr-3162	304	17	0	0	NUM
fsr-3162	304	18	0	0	NUM
fsr-3162	304	19	0	0	NUM
fsr-3162	305	1	.0	.0	NUM
fsr-3162	305	2	9	9	NUM
fsr-3162	305	3	2	2	NUM
fsr-3162	305	4	.0	.0	NUM
fsr-3162	305	5	0	0	NUM
fsr-3162	305	6	0	0	NUM
fsr-3162	305	7	r	r	NOUN
fsr-3162	305	8	es	es	NOUN
fsr-3162	305	9	i	i	PROPN
fsr-3162	305	10	d	d	PROPN
fsr-3162	305	11	en	en	PROPN
fsr-3162	305	12	ce	ce	PROPN
fsr-3162	305	13	ar	ar	PROPN
fsr-3162	305	14	ea	ea	PROPN
fsr-3162	305	15	s	s	PROPN
fsr-3162	305	16	y	y	PROPN
fsr-3162	305	17	es	es	X
fsr-3162	305	18	—	—	PUNCT
fsr-3162	305	19	y	y	NOUN
fsr-3162	305	20	es	es	PROPN
fsr-3162	305	21	—	—	PUNCT
fsr-3162	305	22	y	y	NOUN
fsr-3162	305	23	es	es	ADP
fsr-3162	305	24	y	y	PROPN
fsr-3162	305	25	es	es	PROPN
fsr-3162	305	26	—	—	PUNCT
fsr-3162	306	1	w	w	PROPN
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fsr-3162	306	4	x	x	SYM
fsr-3162	306	5	2	2	NUM
fsr-3162	306	6	5	5	NUM
fsr-3162	306	7	5	5	NUM
fsr-3162	306	8	8	8	NUM
fsr-3162	306	9	.1	.1	NUM
fsr-3162	306	10	.0	.0	NUM
fsr-3162	306	11	0	0	NUM
fsr-3162	306	12	0	0	NUM
fsr-3162	306	13	2	2	NUM
fsr-3162	306	14	4	4	NUM
fsr-3162	306	15	0	0	NUM
fsr-3162	306	16	3	3	NUM
fsr-3162	306	17	.0	.0	NUM
fsr-3162	306	18	0	0	NUM
fsr-3162	306	19	0	0	NUM
fsr-3162	306	20	1	1	NUM
fsr-3162	306	21	6	6	NUM
fsr-3162	306	22	5	5	NUM
fsr-3162	306	23	3	3	NUM
fsr-3162	306	24	.0	.0	NUM
fsr-3162	306	25	0	0	NUM
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fsr-3162	306	27	5	5	NUM
fsr-3162	306	28	1	1	NUM
fsr-3162	306	29	7	7	NUM
fsr-3162	306	30	8	8	NUM
fsr-3162	306	31	.5	.5	NUM
fsr-3162	306	32	.0	.0	NUM
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fsr-3162	306	34	0	0	NUM
fsr-3162	307	1	p	p	NOUN
fsr-3162	307	2	se	se	X
fsr-3162	307	3	u	u	PROPN
fsr-3162	308	1	d	d	X
fsr-3162	308	2	o	o	NOUN
fsr-3162	308	3	r	r	NOUN
fsr-3162	308	4	2	2	NUM
fsr-3162	308	5	0	0	NUM
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fsr-3162	308	7	0	0	NUM
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fsr-3162	308	9	—	—	PUNCT
fsr-3162	308	10	0	0	NUM
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fsr-3162	308	13	0	0	NUM
fsr-3162	308	14	—	—	PUNCT
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fsr-3162	308	19	—	—	PUNCT
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fsr-3162	308	24	—	—	PUNCT
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fsr-3162	308	40	2	2	NUM
fsr-3162	308	41	p	p	NOUN
fsr-3162	308	42	x	x	SYM
fsr-3162	308	43	2	2	NUM
fsr-3162	308	44	p	p	NOUN
fsr-3162	308	45	x	x	SYM
fsr-3162	308	46	2	2	NUM
fsr-3162	308	47	p	p	NOUN
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fsr-3162	308	62	o	o	X
fsr-3162	308	63	l/	l/	NOUN
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fsr-3162	308	90	a	a	DET
fsr-3162	308	91	t	t	NOUN
fsr-3162	308	92	h	h	NOUN
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fsr-3162	309	9	o	o	X
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fsr-3162	310	1	.7	.7	NOUN
fsr-3162	311	1	.4	.4	NUM
fsr-3162	311	2	0	0	NUM
fsr-3162	312	1	4	4	NUM
fsr-3162	312	2	0	0	NUM
fsr-3162	312	3	.6	.6	NUM
fsr-3162	313	1	.4	.4	NUM
fsr-3162	313	2	3	3	NUM
fsr-3162	313	3	4	4	NUM
fsr-3162	313	4	1	1	NUM
fsr-3162	313	5	0	0	NUM
fsr-3162	313	6	.0	.0	NUM
fsr-3162	313	7	.0	.0	NUM
fsr-3162	313	8	0	0	NUM
fsr-3162	313	9	2	2	NUM
fsr-3162	313	10	7	7	NUM
fsr-3162	313	11	.9	.9	NUM
fsr-3162	313	12	.0	.0	NUM
fsr-3162	313	13	0	0	NUM
fsr-3162	313	14	5	5	NUM
fsr-3162	313	15	a	a	DET
fsr-3162	313	16	t	t	NOUN
fsr-3162	314	1	h	h	NOUN
fsr-3162	314	2	o	o	NOUN
fsr-3162	314	3	m	m	VERB
fsr-3162	314	4	e	e	NOUN
fsr-3162	314	5	an	an	X
fsr-3162	314	6	d	d	X
fsr-3162	314	7	sc	sc	PROPN
fsr-3162	314	8	h	h	NOUN
fsr-3162	314	9	o	o	NOUN
fsr-3162	314	10	o	o	X
fsr-3162	314	11	l/	l/	NOUN
fsr-3162	314	12	w	w	PROPN
fsr-3162	314	13	o	o	NOUN
fsr-3162	314	14	rk	rk	NOUN
fsr-3162	314	15	=	=	PUNCT
fsr-3162	314	16	at	at	ADP
fsr-3162	314	17	sc	sc	PROPN
fsr-3162	315	1	h	h	NOUN
fsr-3162	315	2	o	o	NOUN
fsr-3162	315	3	o	o	X
fsr-3162	315	4	l/	l/	NOUN
fsr-3162	315	5	w	w	PROPN
fsr-3162	315	6	o	o	NOUN
fsr-3162	315	7	rk	rk	NOUN
fsr-3162	315	8	1	1	NUM
fsr-3162	315	9	2	2	NUM
fsr-3162	315	10	.4	.4	NUM
fsr-3162	315	11	.0	.0	NUM
fsr-3162	315	12	0	0	NUM
fsr-3162	315	13	0	0	NUM
fsr-3162	315	14	1	1	NUM
fsr-3162	315	15	2	2	NUM
fsr-3162	315	16	.4	.4	NUM
fsr-3162	315	17	.0	.0	NUM
fsr-3162	315	18	0	0	NUM
fsr-3162	315	19	0	0	NUM
fsr-3162	315	20	2	2	NUM
fsr-3162	315	21	4	4	NUM
fsr-3162	315	22	.1	.1	NUM
fsr-3162	315	23	.0	.0	NUM
fsr-3162	315	24	0	0	NUM
fsr-3162	315	25	0	0	NUM
fsr-3162	315	26	1	1	NUM
fsr-3162	315	27	7	7	NUM
fsr-3162	315	28	.7	.7	NUM
fsr-3162	315	29	.0	.0	NUM
fsr-3162	315	30	0	0	NUM
fsr-3162	315	31	0	0	NUM
fsr-3162	315	32	308	308	NUM
fsr-3162	315	33	t.-m	t.-m	NOUN
fsr-3162	315	34	.	.	PUNCT
fsr-3162	316	1	yeh	yeh	PROPN
fsr-3162	316	2	/	/	SYM
fsr-3162	316	3	financial	financial	ADJ
fsr-3162	316	4	services	service	NOUN
fsr-3162	316	5	review	review	VERB
fsr-3162	316	6	30	30	NUM
fsr-3162	316	7	(	(	PUNCT
fsr-3162	316	8	2022	2022	NUM
fsr-3162	316	9	)	)	PUNCT
fsr-3162	316	10	297–320	297–320	NUM
fsr-3162	316	11	t	t	PROPN
fsr-3162	316	12	ab	ab	X
fsr-3162	316	13	le	le	PROPN
fsr-3162	316	14	4	4	NUM
fsr-3162	316	15	a	a	DET
fsr-3162	316	16	v	v	INTJ
fsr-3162	316	17	er	er	INTJ
fsr-3162	316	18	ag	ag	PROPN
fsr-3162	316	19	e	e	PROPN
fsr-3162	316	20	m	m	PROPN
fsr-3162	316	21	ar	ar	PROPN
fsr-3162	316	22	g	g	PROPN
fsr-3162	316	23	in	in	ADP
fsr-3162	316	24	al	al	PROPN
fsr-3162	316	25	ef	ef	PROPN
fsr-3162	316	26	fe	fe	X
fsr-3162	317	1	ct	ct	NUM
fsr-3162	317	2	s	s	PROPN
fsr-3162	317	3	(	(	PUNCT
fsr-3162	317	4	a	a	DET
fsr-3162	317	5	m	m	NOUN
fsr-3162	317	6	e	e	NOUN
fsr-3162	317	7	)	)	PUNCT
fsr-3162	318	1	o	o	NOUN
fsr-3162	319	1	f	f	X
fsr-3162	319	2	o	o	INTJ
fsr-3162	319	3	rd	rd	NOUN
fsr-3162	319	4	er	er	INTJ
fsr-3162	319	5	ed	ed	NOUN
fsr-3162	319	6	p	p	PROPN
fsr-3162	319	7	ro	ro	PROPN
fsr-3162	319	8	b	b	X
fsr-3162	319	9	it	it	PRON
fsr-3162	319	10	re	re	ADP
fsr-3162	319	11	g	g	PROPN
fsr-3162	319	12	re	re	ADP
fsr-3162	319	13	ss	ss	PROPN
fsr-3162	319	14	io	io	PROPN
fsr-3162	320	1	n	n	ADV
fsr-3162	321	1	o	o	NOUN
fsr-3162	321	2	f	f	X
fsr-3162	321	3	lo	lo	PROPN
fsr-3162	321	4	n	n	CCONJ
fsr-3162	321	5	g	g	NOUN
fsr-3162	322	1	-t	-t	PUNCT
fsr-3162	322	2	er	er	INTJ
fsr-3162	322	3	m	m	PROPN
fsr-3162	322	4	fi	fi	NOUN
fsr-3162	322	5	n	n	CCONJ
fsr-3162	322	6	an	an	DET
fsr-3162	322	7	ci	ci	PROPN
fsr-3162	322	8	al	al	PROPN
fsr-3162	322	9	b	b	PROPN
fsr-3162	322	10	eh	eh	INTJ
fsr-3162	322	11	av	av	PROPN
fsr-3162	322	12	io	io	X
fsr-3162	322	13	rs	rs	PROPN
fsr-3162	322	14	s	s	X
fsr-3162	322	15	to	to	PART
fsr-3162	322	16	ck	ck	VERB
fsr-3162	322	17	in	in	ADP
fsr-3162	322	18	v	v	NOUN
fsr-3162	322	19	es	es	ADP
fsr-3162	322	20	tm	tm	PROPN
fsr-3162	322	21	en	en	PROPN
fsr-3162	322	22	t	t	PROPN
fsr-3162	322	23	a	a	DET
fsr-3162	322	24	w	w	PROPN
fsr-3162	322	25	ar	ar	PROPN
fsr-3162	322	26	e	e	NOUN
fsr-3162	322	27	o	o	X
fsr-3162	322	28	f	f	X
fsr-3162	322	29	re	re	X
fsr-3162	322	30	ti	ti	PROPN
fsr-3162	322	31	re	re	VERB
fsr-3162	322	32	m	m	PROPN
fsr-3162	322	33	en	en	ADP
fsr-3162	322	34	t	t	X
fsr-3162	322	35	ex	ex	NOUN
fsr-3162	322	36	p	p	X
fsr-3162	322	37	en	en	X
fsr-3162	322	38	se	se	PROPN
fsr-3162	322	39	s	s	PROPN
fsr-3162	322	40	h	h	PROPN
fsr-3162	323	1	av	av	PROPN
fsr-3162	323	2	e	e	PROPN
fsr-3162	323	3	a	a	DET
fsr-3162	323	4	p	p	X
fsr-3162	323	5	la	la	PROPN
fsr-3162	323	6	n	n	PROPN
fsr-3162	323	7	s	s	NOUN
fsr-3162	323	8	et	et	NOUN
fsr-3162	323	9	as	as	ADP
fsr-3162	323	10	i	i	PROPN
fsr-3162	323	11	d	d	PROPN
fsr-3162	323	12	e	e	PROPN
fsr-3162	323	13	p	p	PROPN
fsr-3162	323	14	o	o	PROPN
fsr-3162	323	15	st	st	PROPN
fsr-3162	323	16	-r	-r	INTJ
fsr-3162	323	17	et	et	PROPN
fsr-3162	323	18	ir	ir	VERB
fsr-3162	323	19	em	em	PRON
fsr-3162	323	20	en	en	PROPN
fsr-3162	323	21	t	t	PROPN
fsr-3162	323	22	fu	fu	PROPN
fsr-3162	324	1	n	n	PROPN
fsr-3162	324	2	d	d	PROPN
fsr-3162	324	3	s	s	PROPN
fsr-3162	324	4	a	a	DET
fsr-3162	324	5	m	m	NOUN
fsr-3162	324	6	e	e	NOUN
fsr-3162	324	7	p	p	NOUN
fsr-3162	324	8	a	a	DET
fsr-3162	324	9	m	m	NOUN
fsr-3162	324	10	e	e	NOUN
fsr-3162	324	11	p	p	NOUN
fsr-3162	324	12	a	a	DET
fsr-3162	324	13	m	m	NOUN
fsr-3162	324	14	e	e	NOUN
fsr-3162	324	15	p	p	NOUN
fsr-3162	324	16	a	a	DET
fsr-3162	324	17	m	m	NOUN
fsr-3162	324	18	e	e	NOUN
fsr-3162	324	19	p	p	X
fsr-3162	324	20	f	f	PROPN
fsr-3162	324	21	in	in	ADP
fsr-3162	324	22	.	.	PUNCT
fsr-3162	325	1	te	te	INTJ
fsr-3162	325	2	ac	ac	PROPN
fsr-3162	325	3	h	h	PROPN
fsr-3162	325	4	in	in	ADP
fsr-3162	325	5	g	g	PROPN
fsr-3162	325	6	b	b	PROPN
fsr-3162	325	7	y	y	PROPN
fsr-3162	325	8	p	p	PROPN
fsr-3162	325	9	ar	ar	PROPN
fsr-3162	325	10	en	en	X
fsr-3162	325	11	ts	ts	ADP
fsr-3162	325	12	o	o	PROPN
fsr-3162	325	13	n	n	ADV
fsr-3162	325	14	ly	ly	ADP
fsr-3162	325	15	0	0	NUM
fsr-3162	325	16	.0	.0	NUM
fsr-3162	326	1	2	2	NUM
fsr-3162	326	2	0	0	NUM
fsr-3162	326	3	.0	.0	NUM
fsr-3162	326	4	0	0	NUM
fsr-3162	327	1	5	5	NUM
fsr-3162	327	2	0	0	NUM
fsr-3162	327	3	.0	.0	NUM
fsr-3162	327	4	6	6	NUM
fsr-3162	327	5	4	4	NUM
fsr-3162	327	6	.0	.0	NUM
fsr-3162	327	7	0	0	NUM
fsr-3162	327	8	0	0	NUM
fsr-3162	327	9	0	0	NUM
fsr-3162	327	10	.0	.0	NUM
fsr-3162	327	11	9	9	NUM
fsr-3162	327	12	3	3	NUM
fsr-3162	327	13	.0	.0	NUM
fsr-3162	327	14	0	0	NUM
fsr-3162	327	15	0	0	NUM
fsr-3162	327	16	0	0	NUM
fsr-3162	327	17	.0	.0	NUM
fsr-3162	328	1	5	5	NUM
fsr-3162	328	2	8	8	NUM
fsr-3162	328	3	.0	.0	NUM
fsr-3162	328	4	0	0	NUM
fsr-3162	328	5	0	0	NUM
fsr-3162	328	6	f	f	NOUN
fsr-3162	328	7	in	in	ADV
fsr-3162	328	8	.	.	PUNCT
fsr-3162	329	1	ed	ed	NOUN
fsr-3162	329	2	u	u	INTJ
fsr-3162	329	3	ca	can	AUX
fsr-3162	329	4	ti	ti	NOUN
fsr-3162	329	5	o	o	PROPN
fsr-3162	329	6	n	n	X
fsr-3162	329	7	at	at	ADP
fsr-3162	329	8	sc	sc	PROPN
fsr-3162	329	9	h	h	NOUN
fsr-3162	329	10	o	o	NOUN
fsr-3162	329	11	o	o	X
fsr-3162	329	12	l/	l/	NOUN
fsr-3162	329	13	w	w	NOUN
fsr-3162	329	14	o	o	NOUN
fsr-3162	329	15	rk	rk	NOUN
fsr-3162	329	16	o	o	NOUN
fsr-3162	329	17	n	n	ADV
fsr-3162	329	18	ly	ly	X
fsr-3162	329	19	0	0	NUM
fsr-3162	329	20	.1	.1	NUM
fsr-3162	329	21	6	6	NUM
fsr-3162	329	22	3	3	NUM
fsr-3162	329	23	.0	.0	NUM
fsr-3162	329	24	0	0	NUM
fsr-3162	329	25	0	0	NUM
fsr-3162	329	26	0	0	NUM
fsr-3162	329	27	.1	.1	NUM
fsr-3162	329	28	7	7	NUM
fsr-3162	329	29	0	0	NUM
fsr-3162	329	30	.0	.0	NUM
fsr-3162	329	31	0	0	NUM
fsr-3162	329	32	0	0	NUM
fsr-3162	329	33	0	0	NUM
fsr-3162	329	34	.1	.1	NUM
fsr-3162	330	1	4	4	NUM
fsr-3162	330	2	1	1	NUM
fsr-3162	330	3	.0	.0	NUM
fsr-3162	330	4	0	0	NUM
fsr-3162	330	5	0	0	NUM
fsr-3162	330	6	0	0	NUM
fsr-3162	330	7	.0	.0	NUM
fsr-3162	330	8	9	9	NUM
fsr-3162	330	9	6	6	NUM
fsr-3162	330	10	.0	.0	NUM
fsr-3162	330	11	0	0	NUM
fsr-3162	330	12	0	0	NUM
fsr-3162	331	1	b	b	X
fsr-3162	331	2	o	o	X
fsr-3162	331	3	th	th	X
fsr-3162	331	4	at	at	ADP
fsr-3162	331	5	h	h	NOUN
fsr-3162	331	6	o	o	NOUN
fsr-3162	331	7	m	m	VERB
fsr-3162	331	8	e	e	NOUN
fsr-3162	331	9	an	an	X
fsr-3162	331	10	d	d	X
fsr-3162	331	11	sc	sc	PROPN
fsr-3162	331	12	h	h	NOUN
fsr-3162	331	13	o	o	NOUN
fsr-3162	331	14	o	o	X
fsr-3162	331	15	l/	l/	NOUN
fsr-3162	331	16	w	w	PROPN
fsr-3162	331	17	o	o	NOUN
fsr-3162	331	18	rk	rk	NOUN
fsr-3162	331	19	0	0	NUM
fsr-3162	331	20	.1	.1	NUM
fsr-3162	331	21	2	2	NUM
fsr-3162	331	22	8	8	NUM
fsr-3162	331	23	.0	.0	NUM
fsr-3162	331	24	0	0	NUM
fsr-3162	331	25	0	0	NUM
fsr-3162	331	26	0	0	NUM
fsr-3162	331	27	.1	.1	NUM
fsr-3162	332	1	6	6	NUM
fsr-3162	332	2	1	1	NUM
fsr-3162	332	3	.0	.0	NUM
fsr-3162	332	4	0	0	NUM
fsr-3162	332	5	0	0	NUM
fsr-3162	332	6	0	0	NUM
fsr-3162	332	7	.1	.1	NUM
fsr-3162	332	8	9	9	NUM
fsr-3162	332	9	4	4	NUM
fsr-3162	332	10	.0	.0	NUM
fsr-3162	332	11	0	0	NUM
fsr-3162	332	12	0	0	NUM
fsr-3162	332	13	0	0	NUM
fsr-3162	332	14	.1	.1	NUM
fsr-3162	332	15	3	3	NUM
fsr-3162	332	16	9	9	NUM
fsr-3162	332	17	.0	.0	NUM
fsr-3162	332	18	0	0	NUM
fsr-3162	332	19	0	0	NUM
fsr-3162	333	1	f	f	NOUN
fsr-3162	333	2	in	in	ADP
fsr-3162	333	3	an	an	DET
fsr-3162	333	4	ci	ci	PROPN
fsr-3162	333	5	al	al	PROPN
fsr-3162	333	6	li	li	PROPN
fsr-3162	333	7	te	te	PROPN
fsr-3162	333	8	ra	ra	PROPN
fsr-3162	334	1	cy	cy	INTJ
fsr-3162	334	2	0	0	NUM
fsr-3162	334	3	.0	.0	NUM
fsr-3162	334	4	7	7	NUM
fsr-3162	334	5	5	5	NUM
fsr-3162	334	6	.0	.0	NUM
fsr-3162	334	7	0	0	NUM
fsr-3162	334	8	0	0	NUM
fsr-3162	334	9	0	0	NUM
fsr-3162	334	10	.0	.0	NUM
fsr-3162	334	11	2	2	NUM
fsr-3162	334	12	8	8	NUM
fsr-3162	334	13	.0	.0	NUM
fsr-3162	334	14	0	0	NUM
fsr-3162	334	15	0	0	NUM
fsr-3162	334	16	0	0	NUM
fsr-3162	334	17	.0	.0	NUM
fsr-3162	334	18	2	2	NUM
fsr-3162	334	19	9	9	NUM
fsr-3162	334	20	.0	.0	NUM
fsr-3162	334	21	0	0	NUM
fsr-3162	334	22	0	0	NUM
fsr-3162	334	23	0	0	NUM
fsr-3162	334	24	.0	.0	NUM
fsr-3162	334	25	1	1	NUM
fsr-3162	334	26	2	2	NUM
fsr-3162	334	27	.0	.0	NUM
fsr-3162	334	28	0	0	NUM
fsr-3162	334	29	0	0	NUM
fsr-3162	335	1	f	f	PROPN
fsr-3162	335	2	em	em	PROPN
fsr-3162	335	3	al	al	PROPN
fsr-3162	335	4	e	e	PROPN
fsr-3162	335	5	�	�	PROPN
fsr-3162	335	6	0	0	NUM
fsr-3162	335	7	.0	.0	NUM
fsr-3162	335	8	6	6	NUM
fsr-3162	335	9	9	9	NUM
fsr-3162	335	10	.0	.0	NUM
fsr-3162	335	11	0	0	NUM
fsr-3162	335	12	0	0	NUM
fsr-3162	335	13	�	�	PROPN
fsr-3162	335	14	0	0	NUM
fsr-3162	335	15	.0	.0	NUM
fsr-3162	335	16	1	1	NUM
fsr-3162	335	17	3	3	NUM
fsr-3162	335	18	.1	.1	NUM
fsr-3162	335	19	8	8	NUM
fsr-3162	335	20	8	8	NUM
fsr-3162	335	21	0	0	NUM
fsr-3162	335	22	.0	.0	NUM
fsr-3162	335	23	1	1	NUM
fsr-3162	335	24	2	2	NUM
fsr-3162	335	25	.2	.2	NUM
fsr-3162	335	26	4	4	NUM
fsr-3162	335	27	2	2	NUM
fsr-3162	335	28	0	0	NUM
fsr-3162	335	29	.0	.0	NUM
fsr-3162	335	30	0	0	NUM
fsr-3162	335	31	2	2	NUM
fsr-3162	335	32	.8	.8	NUM
fsr-3162	335	33	3	3	NUM
fsr-3162	335	34	0	0	NUM
fsr-3162	335	35	a	a	DET
fsr-3162	335	36	g	g	NOUN
fsr-3162	335	37	e	e	NOUN
fsr-3162	335	38	0	0	PUNCT
fsr-3162	335	39	.0	.0	NUM
fsr-3162	335	40	0	0	NUM
fsr-3162	335	41	5	5	NUM
fsr-3162	335	42	.0	.0	NUM
fsr-3162	335	43	0	0	NUM
fsr-3162	335	44	0	0	NUM
fsr-3162	335	45	0	0	NUM
fsr-3162	336	1	.0	.0	NUM
fsr-3162	336	2	1	1	NUM
fsr-3162	336	3	1	1	NUM
fsr-3162	336	4	.0	.0	NUM
fsr-3162	336	5	0	0	NUM
fsr-3162	336	6	0	0	NUM
fsr-3162	336	7	0	0	NUM
fsr-3162	337	1	.0	.0	NUM
fsr-3162	337	2	0	0	NUM
fsr-3162	337	3	9	9	NUM
fsr-3162	337	4	.0	.0	NUM
fsr-3162	337	5	0	0	NUM
fsr-3162	337	6	0	0	NUM
fsr-3162	337	7	0	0	NUM
fsr-3162	338	1	.0	.0	NUM
fsr-3162	338	2	1	1	NUM
fsr-3162	338	3	0	0	NUM
fsr-3162	338	4	.0	.0	NUM
fsr-3162	338	5	0	0	NUM
fsr-3162	338	6	0	0	NUM
fsr-3162	339	1	d	d	NOUN
fsr-3162	339	2	u	u	X
fsr-3162	339	3	m	m	VERB
fsr-3162	339	4	m	m	VERB
fsr-3162	339	5	y	y	INTJ
fsr-3162	339	6	fo	fo	INTJ
fsr-3162	339	7	r	r	NOUN
fsr-3162	339	8	h	h	NOUN
fsr-3162	339	9	av	av	PROPN
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fsr-3162	339	46	0	0	PUNCT
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fsr-3162	350	3	.1	.1	NUM
fsr-3162	350	4	5	5	NUM
fsr-3162	350	5	0	0	NUM
fsr-3162	350	6	.0	.0	NUM
fsr-3162	350	7	0	0	NUM
fsr-3162	350	8	0	0	NUM
fsr-3162	350	9	0	0	NUM
fsr-3162	350	10	.1	.1	NUM
fsr-3162	350	11	0	0	NUM
fsr-3162	350	12	6	6	NUM
fsr-3162	350	13	.0	.0	NUM
fsr-3162	350	14	0	0	NUM
fsr-3162	350	15	8	8	NUM
fsr-3162	350	16	0	0	NUM
fsr-3162	350	17	.1	.1	NUM
fsr-3162	350	18	9	9	NUM
fsr-3162	350	19	6	6	NUM
fsr-3162	350	20	.0	.0	NUM
fsr-3162	350	21	0	0	NUM
fsr-3162	350	22	0	0	NUM
fsr-3162	350	23	0	0	NUM
fsr-3162	351	1	.2	.2	NUM
fsr-3162	351	2	8	8	NUM
fsr-3162	351	3	7	7	NUM
fsr-3162	351	4	.0	.0	NUM
fsr-3162	351	5	0	0	NUM
fsr-3162	351	6	0	0	NUM
fsr-3162	351	7	4	4	NUM
fsr-3162	351	8	-y	-y	SYM
fsr-3162	351	9	ea	ea	NOUN
fsr-3162	351	10	r	r	AUX
fsr-3162	351	11	co	co	NOUN
fsr-3162	351	12	ll	ll	AUX
fsr-3162	351	13	eg	eg	VERB
fsr-3162	351	14	e	e	PROPN
fsr-3162	351	15	0	0	PROPN
fsr-3162	352	1	.0	.0	NUM
fsr-3162	353	1	4	4	NUM
fsr-3162	353	2	7	7	NUM
fsr-3162	353	3	.0	.0	NUM
fsr-3162	353	4	0	0	NUM
fsr-3162	353	5	0	0	NUM
fsr-3162	353	6	0	0	NUM
fsr-3162	353	7	.0	.0	NUM
fsr-3162	353	8	1	1	NUM
fsr-3162	353	9	1	1	NUM
fsr-3162	353	10	.2	.2	NUM
fsr-3162	353	11	0	0	NUM
fsr-3162	353	12	2	2	NUM
fsr-3162	353	13	0	0	NUM
fsr-3162	353	14	.0	.0	NUM
fsr-3162	353	15	0	0	NUM
fsr-3162	353	16	8	8	NUM
fsr-3162	353	17	.3	.3	NUM
fsr-3162	353	18	3	3	NUM
fsr-3162	353	19	8	8	NUM
fsr-3162	353	20	0	0	NUM
fsr-3162	353	21	.0	.0	NUM
fsr-3162	353	22	2	2	NUM
fsr-3162	353	23	6	6	NUM
fsr-3162	353	24	.0	.0	NUM
fsr-3162	353	25	0	0	NUM
fsr-3162	353	26	0	0	NUM
fsr-3162	354	1	g	g	NOUN
fsr-3162	354	2	ra	ra	PROPN
fsr-3162	355	1	d	d	X
fsr-3162	355	2	u	u	NOUN
fsr-3162	355	3	at	at	ADP
fsr-3162	355	4	e	e	X
fsr-3162	355	5	0	0	NUM
fsr-3162	355	6	.0	.0	NUM
fsr-3162	355	7	7	7	NUM
fsr-3162	355	8	7	7	NUM
fsr-3162	355	9	.0	.0	NUM
fsr-3162	355	10	0	0	NUM
fsr-3162	355	11	0	0	NUM
fsr-3162	355	12	0	0	NUM
fsr-3162	355	13	.0	.0	NUM
fsr-3162	355	14	5	5	NUM
fsr-3162	355	15	6	6	NUM
fsr-3162	355	16	.0	.0	NUM
fsr-3162	355	17	0	0	NUM
fsr-3162	356	1	3	3	NUM
fsr-3162	356	2	0	0	NUM
fsr-3162	356	3	.0	.0	NUM
fsr-3162	356	4	7	7	NUM
fsr-3162	356	5	3	3	NUM
fsr-3162	356	6	.0	.0	NUM
fsr-3162	356	7	0	0	NUM
fsr-3162	356	8	0	0	NUM
fsr-3162	356	9	0	0	NUM
fsr-3162	356	10	.0	.0	NUM
fsr-3162	356	11	7	7	NUM
fsr-3162	356	12	2	2	NUM
fsr-3162	356	13	.0	.0	NUM
fsr-3162	356	14	0	0	NUM
fsr-3162	356	15	0	0	NUM
fsr-3162	357	1	r	r	NOUN
fsr-3162	357	2	es	es	NOUN
fsr-3162	357	3	i	i	PROPN
fsr-3162	357	4	d	d	PROPN
fsr-3162	357	5	en	en	PROPN
fsr-3162	357	6	ce	ce	PROPN
fsr-3162	357	7	ar	ar	PROPN
fsr-3162	357	8	ea	ea	PROPN
fsr-3162	357	9	s	s	PROPN
fsr-3162	357	10	y	y	PROPN
fsr-3162	357	11	es	es	X
fsr-3162	357	12	y	y	PROPN
fsr-3162	357	13	es	es	PROPN
fsr-3162	357	14	—	—	PUNCT
fsr-3162	357	15	y	y	NOUN
fsr-3162	357	16	es	es	PROPN
fsr-3162	357	17	—	—	PUNCT
fsr-3162	357	18	y	y	NOUN
fsr-3162	357	19	es	es	PROPN
fsr-3162	357	20	—	—	PUNCT
fsr-3162	358	1	w	w	PROPN
fsr-3162	358	2	al	al	PROPN
fsr-3162	358	3	d	d	PROPN
fsr-3162	358	4	x	x	SYM
fsr-3162	358	5	2	2	NUM
fsr-3162	358	6	4	4	NUM
fsr-3162	358	7	5	5	NUM
fsr-3162	358	8	9	9	NUM
fsr-3162	358	9	2	2	NUM
fsr-3162	358	10	2	2	NUM
fsr-3162	358	11	2	2	NUM
fsr-3162	358	12	8	8	NUM
fsr-3162	358	13	5	5	NUM
fsr-3162	358	14	.7	.7	NUM
fsr-3162	358	15	.0	.0	NUM
fsr-3162	358	16	0	0	NUM
fsr-3162	358	17	0	0	NUM
fsr-3162	358	18	1	1	NUM
fsr-3162	358	19	8	8	NUM
fsr-3162	358	20	0	0	NUM
fsr-3162	358	21	4	4	NUM
fsr-3162	358	22	.1	.1	NUM
fsr-3162	358	23	.0	.0	NUM
fsr-3162	358	24	0	0	NUM
fsr-3162	358	25	0	0	NUM
fsr-3162	358	26	2	2	NUM
fsr-3162	358	27	5	5	NUM
fsr-3162	358	28	1	1	NUM
fsr-3162	358	29	6	6	NUM
fsr-3162	358	30	.4	.4	NUM
fsr-3162	358	31	.0	.0	NUM
fsr-3162	358	32	0	0	NUM
fsr-3162	358	33	0	0	NUM
fsr-3162	358	34	p	p	NOUN
fsr-3162	358	35	se	se	X
fsr-3162	358	36	u	u	PROPN
fsr-3162	359	1	d	d	X
fsr-3162	359	2	o	o	NOUN
fsr-3162	359	3	r	r	NOUN
fsr-3162	359	4	2	2	NUM
fsr-3162	359	5	0	0	NUM
fsr-3162	359	6	.1	.1	NUM
fsr-3162	359	7	8	8	NUM
fsr-3162	359	8	6	6	NUM
fsr-3162	359	9	0	0	NUM
fsr-3162	359	10	.1	.1	NUM
fsr-3162	359	11	3	3	NUM
fsr-3162	359	12	5	5	NUM
fsr-3162	359	13	—	—	PUNCT
fsr-3162	359	14	0	0	NUM
fsr-3162	359	15	.1	.1	NUM
fsr-3162	359	16	1	1	NUM
fsr-3162	359	17	6	6	NUM
fsr-3162	359	18	—	—	PUNCT
fsr-3162	359	19	0	0	NUM
fsr-3162	360	1	.2	.2	NUM
fsr-3162	360	2	2	2	NUM
fsr-3162	360	3	0	0	NUM
fsr-3162	360	4	—	—	PUNCT
fsr-3162	360	5	c	c	NOUN
fsr-3162	360	6	o	o	NOUN
fsr-3162	360	7	ef	ef	PROPN
fsr-3162	360	8	fi	fi	PROPN
fsr-3162	360	9	ci	ci	PROPN
fsr-3162	360	10	en	en	PROPN
fsr-3162	360	11	t	t	PROPN
fsr-3162	360	12	eq	eq	ADP
fsr-3162	360	13	u	u	PROPN
fsr-3162	360	14	al	al	PROPN
fsr-3162	360	15	it	it	PRON
fsr-3162	361	1	y	y	PROPN
fsr-3162	361	2	te	te	PROPN
fsr-3162	361	3	st	st	PROPN
fsr-3162	361	4	b	b	PROPN
fsr-3162	361	5	y	y	PROPN
fsr-3162	361	6	p	p	PROPN
fsr-3162	361	7	ar	ar	PROPN
fsr-3162	361	8	en	en	X
fsr-3162	361	9	ts	ts	ADP
fsr-3162	361	10	o	o	PROPN
fsr-3162	361	11	n	n	X
fsr-3162	361	12	ly	ly	X
fsr-3162	361	13	=	=	PUNCT
fsr-3162	361	14	at	at	ADP
fsr-3162	361	15	sc	sc	PROPN
fsr-3162	362	1	h	h	NOUN
fsr-3162	362	2	o	o	NOUN
fsr-3162	362	3	o	o	X
fsr-3162	362	4	l/	l/	ADJ
fsr-3162	362	5	w	w	PROPN
fsr-3162	362	6	o	o	NOUN
fsr-3162	362	7	rk	rk	NOUN
fsr-3162	362	8	9	9	NUM
fsr-3162	362	9	5	5	NUM
fsr-3162	362	10	.5	.5	NUM
fsr-3162	362	11	8	8	NUM
fsr-3162	362	12	0	0	NUM
fsr-3162	363	1	.0	.0	NUM
fsr-3162	363	2	0	0	NUM
fsr-3162	363	3	0	0	NUM
fsr-3162	363	4	2	2	NUM
fsr-3162	363	5	2	2	NUM
fsr-3162	363	6	.9	.9	NUM
fsr-3162	363	7	.0	.0	NUM
fsr-3162	363	8	0	0	NUM
fsr-3162	363	9	0	0	NUM
fsr-3162	363	10	5	5	NUM
fsr-3162	363	11	.6	.6	NUM
fsr-3162	363	12	.0	.0	NUM
fsr-3162	363	13	1	1	NUM
fsr-3162	363	14	8	8	NUM
fsr-3162	363	15	4	4	NUM
fsr-3162	363	16	.7	.7	NUM
fsr-3162	363	17	.0	.0	NUM
fsr-3162	363	18	3	3	NUM
fsr-3162	363	19	0	0	NUM
fsr-3162	363	20	a	a	DET
fsr-3162	363	21	t	t	NOUN
fsr-3162	364	1	h	h	NOUN
fsr-3162	364	2	o	o	NOUN
fsr-3162	364	3	m	m	VERB
fsr-3162	364	4	e	e	NOUN
fsr-3162	364	5	an	an	X
fsr-3162	364	6	d	d	X
fsr-3162	364	7	sc	sc	PROPN
fsr-3162	364	8	h	h	NOUN
fsr-3162	364	9	o	o	NOUN
fsr-3162	364	10	o	o	X
fsr-3162	364	11	l/	l/	NOUN
fsr-3162	364	12	w	w	PROPN
fsr-3162	364	13	o	o	NOUN
fsr-3162	364	14	rk	rk	NOUN
fsr-3162	364	15	=	=	SYM
fsr-3162	364	16	b	b	PROPN
fsr-3162	364	17	y	y	PROPN
fsr-3162	364	18	p	p	PROPN
fsr-3162	364	19	ar	ar	PROPN
fsr-3162	364	20	en	en	X
fsr-3162	364	21	ts	ts	ADP
fsr-3162	364	22	o	o	PROPN
fsr-3162	365	1	n	n	ADV
fsr-3162	365	2	ly	ly	VERB
fsr-3162	365	3	4	4	NUM
fsr-3162	365	4	2	2	NUM
fsr-3162	365	5	.3	.3	NUM
fsr-3162	365	6	3	3	NUM
fsr-3162	365	7	0	0	NUM
fsr-3162	365	8	.0	.0	NUM
fsr-3162	365	9	0	0	NUM
fsr-3162	365	10	0	0	NUM
fsr-3162	365	11	1	1	NUM
fsr-3162	365	12	5	5	NUM
fsr-3162	365	13	.6	.6	NUM
fsr-3162	365	14	.0	.0	NUM
fsr-3162	365	15	0	0	NUM
fsr-3162	365	16	0	0	NUM
fsr-3162	365	17	1	1	NUM
fsr-3162	365	18	9	9	NUM
fsr-3162	365	19	.2	.2	NUM
fsr-3162	365	20	.0	.0	NUM
fsr-3162	365	21	0	0	NUM
fsr-3162	365	22	0	0	NUM
fsr-3162	365	23	1	1	NUM
fsr-3162	365	24	7	7	NUM
fsr-3162	365	25	.3	.3	NUM
fsr-3162	365	26	.0	.0	NUM
fsr-3162	365	27	0	0	NUM
fsr-3162	365	28	0	0	NUM
fsr-3162	366	1	a	a	DET
fsr-3162	366	2	t	t	NOUN
fsr-3162	366	3	h	h	NOUN
fsr-3162	366	4	o	o	NOUN
fsr-3162	366	5	m	m	VERB
fsr-3162	366	6	e	e	NOUN
fsr-3162	366	7	an	an	X
fsr-3162	366	8	d	d	X
fsr-3162	366	9	sc	sc	PROPN
fsr-3162	366	10	h	h	NOUN
fsr-3162	366	11	o	o	NOUN
fsr-3162	366	12	o	o	X
fsr-3162	366	13	l/	l/	NOUN
fsr-3162	366	14	w	w	PROPN
fsr-3162	366	15	o	o	NOUN
fsr-3162	366	16	rk	rk	NOUN
fsr-3162	366	17	=	=	PUNCT
fsr-3162	366	18	at	at	ADP
fsr-3162	366	19	sc	sc	PROPN
fsr-3162	367	1	h	h	NOUN
fsr-3162	367	2	o	o	NOUN
fsr-3162	367	3	o	o	X
fsr-3162	367	4	l/	l/	NOUN
fsr-3162	367	5	w	w	PROPN
fsr-3162	367	6	o	o	NOUN
fsr-3162	367	7	rk	rk	NOUN
fsr-3162	367	8	3	3	NUM
fsr-3162	367	9	.0	.0	NUM
fsr-3162	367	10	9	9	NUM
fsr-3162	367	11	0	0	NUM
fsr-3162	367	12	.0	.0	NUM
fsr-3162	367	13	7	7	NUM
fsr-3162	367	14	9	9	NUM
fsr-3162	367	15	0	0	NUM
fsr-3162	367	16	.1	.1	NUM
fsr-3162	367	17	.7	.7	NUM
fsr-3162	367	18	7	7	NUM
fsr-3162	367	19	9	9	NUM
fsr-3162	367	20	3	3	NUM
fsr-3162	367	21	.6	.6	NUM
fsr-3162	367	22	.0	.0	NUM
fsr-3162	367	23	6	6	NUM
fsr-3162	367	24	0	0	NUM
fsr-3162	367	25	3	3	NUM
fsr-3162	367	26	.3	.3	NUM
fsr-3162	367	27	.0	.0	NUM
fsr-3162	367	28	7	7	NUM
fsr-3162	367	29	0	0	NUM
fsr-3162	367	30	t.-m	t.-m	NOUN
fsr-3162	367	31	.	.	PUNCT
fsr-3162	368	1	yeh	yeh	PROPN
fsr-3162	368	2	/	/	SYM
fsr-3162	368	3	financial	financial	ADJ
fsr-3162	368	4	services	service	NOUN
fsr-3162	368	5	review	review	VERB
fsr-3162	368	6	30	30	NUM
fsr-3162	368	7	(	(	PUNCT
fsr-3162	368	8	2022	2022	NUM
fsr-3162	368	9	)	)	PUNCT
fsr-3162	368	10	297–320	297–320	NUM
fsr-3162	368	11	309	309	NUM
fsr-3162	368	12	regarding	regard	VERB
fsr-3162	368	13	the	the	DET
fsr-3162	368	14	control	control	NOUN
fsr-3162	368	15	variables	variable	NOUN
fsr-3162	368	16	,	,	PUNCT
fsr-3162	368	17	financial	financial	ADJ
fsr-3162	368	18	literacy	literacy	NOUN
fsr-3162	368	19	is	be	AUX
fsr-3162	368	20	positively	positively	ADV
fsr-3162	368	21	and	and	CCONJ
fsr-3162	368	22	significantly	significantly	ADV
fsr-3162	368	23	associated	associate	VERB
fsr-3162	368	24	with	with	ADP
fsr-3162	368	25	all	all	DET
fsr-3162	368	26	financial	financial	ADJ
fsr-3162	368	27	behaviors	behavior	NOUN
fsr-3162	368	28	,	,	PUNCT
fsr-3162	368	29	which	which	PRON
fsr-3162	368	30	is	be	AUX
fsr-3162	368	31	consistent	consistent	ADJ
fsr-3162	368	32	with	with	ADP
fsr-3162	368	33	previous	previous	ADJ
fsr-3162	368	34	studies	study	NOUN
fsr-3162	368	35	.	.	PUNCT
fsr-3162	369	1	females	female	NOUN
fsr-3162	369	2	are	be	AUX
fsr-3162	369	3	more	more	ADV
fsr-3162	369	4	prudent	prudent	ADJ
fsr-3162	369	5	in	in	ADP
fsr-3162	369	6	short	short	ADJ
fsr-3162	369	7	-	-	PUNCT
fsr-3162	369	8	term	term	NOUN
fsr-3162	369	9	behaviors	behavior	NOUN
fsr-3162	369	10	and	and	CCONJ
fsr-3162	369	11	less	less	ADV
fsr-3162	369	12	likely	likely	ADJ
fsr-3162	369	13	to	to	PART
fsr-3162	369	14	invest	invest	VERB
fsr-3162	369	15	in	in	ADP
fsr-3162	369	16	stocks	stock	NOUN
fsr-3162	369	17	.	.	PUNCT
fsr-3162	370	1	however	however	ADV
fsr-3162	370	2	,	,	PUNCT
fsr-3162	370	3	females	female	NOUN
fsr-3162	370	4	are	be	AUX
fsr-3162	370	5	not	not	PART
fsr-3162	370	6	statistically	statistically	ADV
fsr-3162	370	7	different	different	ADJ
fsr-3162	370	8	from	from	ADP
fsr-3162	370	9	males	male	NOUN
fsr-3162	370	10	in	in	ADP
fsr-3162	370	11	retirement	retirement	NOUN
fsr-3162	370	12	savings	saving	NOUN
fsr-3162	370	13	,	,	PUNCT
fsr-3162	370	14	probably	probably	ADV
fsr-3162	370	15	because	because	SCONJ
fsr-3162	370	16	they	they	PRON
fsr-3162	370	17	may	may	AUX
fsr-3162	370	18	share	share	VERB
fsr-3162	370	19	the	the	DET
fsr-3162	370	20	financial	financial	ADJ
fsr-3162	370	21	resources	resource	NOUN
fsr-3162	370	22	with	with	ADP
fsr-3162	370	23	their	their	PRON
fsr-3162	370	24	male	male	ADJ
fsr-3162	370	25	spouses	spouse	NOUN
fsr-3162	370	26	in	in	ADP
fsr-3162	370	27	the	the	DET
fsr-3162	370	28	same	same	ADJ
fsr-3162	370	29	household	household	NOUN
fsr-3162	370	30	.	.	PUNCT
fsr-3162	371	1	high	high	ADJ
fsr-3162	371	2	-	-	PUNCT
fsr-3162	371	3	earning	earn	VERB
fsr-3162	371	4	individuals	individual	NOUN
fsr-3162	371	5	are	be	AUX
fsr-3162	371	6	also	also	ADV
fsr-3162	371	7	more	more	ADV
fsr-3162	371	8	financially	financially	ADV
fsr-3162	371	9	behaved	behave	VERB
fsr-3162	371	10	,	,	PUNCT
fsr-3162	371	11	except	except	SCONJ
fsr-3162	371	12	“	"	PUNCT
fsr-3162	371	13	carefully	carefully	ADV
fsr-3162	371	14	consider	consider	VERB
fsr-3162	371	15	before	before	ADP
fsr-3162	371	16	purchase	purchase	NOUN
fsr-3162	371	17	,	,	PUNCT
fsr-3162	371	18	”	"	PUNCT
fsr-3162	371	19	which	which	PRON
fsr-3162	371	20	makes	make	VERB
fsr-3162	371	21	sense	sense	NOUN
fsr-3162	371	22	as	as	SCONJ
fsr-3162	371	23	they	they	PRON
fsr-3162	371	24	can	can	AUX
fsr-3162	371	25	afford	afford	VERB
fsr-3162	371	26	not	not	PART
fsr-3162	371	27	to	to	PART
fsr-3162	371	28	do	do	VERB
fsr-3162	371	29	so	so	ADV
fsr-3162	371	30	.	.	PUNCT
fsr-3162	372	1	senior	senior	ADJ
fsr-3162	372	2	people	people	NOUN
fsr-3162	372	3	have	have	VERB
fsr-3162	372	4	the	the	DET
fsr-3162	372	5	same	same	ADJ
fsr-3162	372	6	tendency	tendency	NOUN
fsr-3162	372	7	as	as	ADP
fsr-3162	372	8	higher	higher	ADV
fsr-3162	372	9	-	-	PUNCT
fsr-3162	372	10	earning	earn	VERB
fsr-3162	372	11	people	people	NOUN
fsr-3162	372	12	.	.	PUNCT
fsr-3162	373	1	seniors	senior	NOUN
fsr-3162	373	2	may	may	AUX
fsr-3162	373	3	not	not	PART
fsr-3162	373	4	be	be	AUX
fsr-3162	373	5	able	able	ADJ
fsr-3162	373	6	to	to	PART
fsr-3162	373	7	“	"	PUNCT
fsr-3162	373	8	carefully	carefully	ADV
fsr-3162	373	9	consider	consider	VERB
fsr-3162	373	10	before	before	ADP
fsr-3162	373	11	purchase	purchase	NOUN
fsr-3162	373	12	”	"	PUNCT
fsr-3162	373	13	as	as	ADP
fsr-3162	373	14	younger	young	ADJ
fsr-3162	373	15	ones	one	NOUN
fsr-3162	373	16	,	,	PUNCT
fsr-3162	373	17	probably	probably	ADV
fsr-3162	373	18	due	due	ADJ
fsr-3162	373	19	to	to	ADP
fsr-3162	373	20	weakening	weaken	VERB
fsr-3162	373	21	cognitive	cognitive	ADJ
fsr-3162	373	22	capability	capability	NOUN
fsr-3162	373	23	.	.	PUNCT
fsr-3162	374	1	in	in	ADP
fsr-3162	374	2	contrast	contrast	NOUN
fsr-3162	374	3	,	,	PUNCT
fsr-3162	374	4	having	have	VERB
fsr-3162	374	5	a	a	DET
fsr-3162	374	6	loan	loan	NOUN
fsr-3162	374	7	makes	make	VERB
fsr-3162	374	8	one	one	NUM
fsr-3162	374	9	more	more	ADV
fsr-3162	374	10	careful	careful	ADJ
fsr-3162	374	11	in	in	ADP
fsr-3162	374	12	buying	buying	NOUN
fsr-3162	374	13	but	but	CCONJ
fsr-3162	374	14	is	be	AUX
fsr-3162	374	15	adversely	adversely	ADV
fsr-3162	374	16	associated	associate	VERB
fsr-3162	374	17	with	with	ADP
fsr-3162	374	18	all	all	DET
fsr-3162	374	19	other	other	ADJ
fsr-3162	374	20	financial	financial	ADJ
fsr-3162	374	21	behaviors	behavior	NOUN
fsr-3162	374	22	.	.	PUNCT
fsr-3162	375	1	those	those	PRON
fsr-3162	375	2	with	with	ADP
fsr-3162	375	3	advanced	advanced	ADJ
fsr-3162	375	4	education	education	NOUN
fsr-3162	375	5	degrees	degree	NOUN
fsr-3162	375	6	perform	perform	VERB
fsr-3162	375	7	better	well	ADJ
fsr-3162	375	8	than	than	ADP
fsr-3162	375	9	those	those	PRON
fsr-3162	375	10	without	without	ADP
fsr-3162	375	11	in	in	ADP
fsr-3162	375	12	most	most	ADJ
fsr-3162	375	13	financial	financial	ADJ
fsr-3162	375	14	behaviors	behavior	NOUN
fsr-3162	375	15	.	.	PUNCT
fsr-3162	376	1	finally	finally	ADV
fsr-3162	376	2	,	,	PUNCT
fsr-3162	376	3	occupations	occupation	NOUN
fsr-3162	376	4	appear	appear	VERB
fsr-3162	376	5	to	to	PART
fsr-3162	376	6	matter	matter	VERB
fsr-3162	376	7	,	,	PUNCT
fsr-3162	376	8	but	but	CCONJ
fsr-3162	376	9	the	the	DET
fsr-3162	376	10	coefficients	coefficient	NOUN
fsr-3162	376	11	are	be	AUX
fsr-3162	376	12	generally	generally	ADV
fsr-3162	376	13	difficult	difficult	ADJ
fsr-3162	376	14	to	to	PART
fsr-3162	376	15	interpret	interpret	VERB
fsr-3162	376	16	.	.	PUNCT
fsr-3162	377	1	in	in	ADP
fsr-3162	377	2	summary	summary	NOUN
fsr-3162	377	3	,	,	PUNCT
fsr-3162	377	4	the	the	DET
fsr-3162	377	5	results	result	NOUN
fsr-3162	377	6	suggest	suggest	VERB
fsr-3162	377	7	that	that	SCONJ
fsr-3162	377	8	those	those	PRON
fsr-3162	377	9	receiving	receive	VERB
fsr-3162	377	10	financial	financial	ADJ
fsr-3162	377	11	teaching	teaching	NOUN
fsr-3162	377	12	both	both	CCONJ
fsr-3162	377	13	at	at	ADP
fsr-3162	377	14	home	home	NOUN
fsr-3162	377	15	and	and	CCONJ
fsr-3162	377	16	school	school	NOUN
fsr-3162	377	17	/	/	SYM
fsr-3162	377	18	work	work	NOUN
fsr-3162	377	19	are	be	AUX
fsr-3162	377	20	the	the	DET
fsr-3162	377	21	best	good	ADJ
fsr-3162	377	22	financially	financially	ADV
fsr-3162	377	23	prepared	prepare	VERB
fsr-3162	377	24	long	long	ADJ
fsr-3162	377	25	-	-	PUNCT
fsr-3162	377	26	term	term	NOUN
fsr-3162	377	27	.	.	PUNCT
fsr-3162	378	1	however	however	ADV
fsr-3162	378	2	,	,	PUNCT
fsr-3162	378	3	unlike	unlike	ADP
fsr-3162	378	4	the	the	DET
fsr-3162	378	5	case	case	NOUN
fsr-3162	378	6	for	for	ADP
fsr-3162	378	7	shortterm	shortterm	NOUN
fsr-3162	378	8	behaviors	behavior	NOUN
fsr-3162	378	9	,	,	PUNCT
fsr-3162	378	10	the	the	DET
fsr-3162	378	11	association	association	NOUN
fsr-3162	378	12	is	be	AUX
fsr-3162	378	13	primarily	primarily	ADV
fsr-3162	378	14	attributed	attribute	VERB
fsr-3162	378	15	to	to	ADP
fsr-3162	378	16	financial	financial	ADJ
fsr-3162	378	17	education	education	NOUN
fsr-3162	378	18	at	at	ADP
fsr-3162	378	19	school	school	NOUN
fsr-3162	378	20	or	or	CCONJ
fsr-3162	378	21	the	the	DET
fsr-3162	378	22	workplace	workplace	NOUN
fsr-3162	378	23	,	,	PUNCT
fsr-3162	378	24	which	which	PRON
fsr-3162	378	25	is	be	AUX
fsr-3162	378	26	more	more	ADV
fsr-3162	378	27	influential	influential	ADJ
fsr-3162	378	28	than	than	ADP
fsr-3162	378	29	that	that	PRON
fsr-3162	378	30	at	at	ADP
fsr-3162	378	31	home	home	NOUN
fsr-3162	378	32	.	.	PUNCT
fsr-3162	379	1	4.3	4.3	NUM
fsr-3162	379	2	.	.	PUNCT
fsr-3162	380	1	instrumental	instrumental	ADJ
fsr-3162	380	2	variables	variables	PROPN
fsr-3162	380	3	estimation	estimation	NOUN
fsr-3162	380	4	results	result	VERB
fsr-3162	380	5	one	one	NUM
fsr-3162	380	6	concern	concern	NOUN
fsr-3162	380	7	about	about	ADP
fsr-3162	380	8	including	include	VERB
fsr-3162	380	9	financial	financial	ADJ
fsr-3162	380	10	literacy	literacy	NOUN
fsr-3162	380	11	as	as	ADP
fsr-3162	380	12	a	a	DET
fsr-3162	380	13	control	control	NOUN
fsr-3162	380	14	variable	variable	NOUN
fsr-3162	380	15	in	in	ADP
fsr-3162	380	16	studies	study	NOUN
fsr-3162	380	17	of	of	ADP
fsr-3162	380	18	financial	financial	ADJ
fsr-3162	380	19	behavior	behavior	NOUN
fsr-3162	380	20	is	be	AUX
fsr-3162	380	21	that	that	SCONJ
fsr-3162	380	22	it	it	PRON
fsr-3162	380	23	may	may	AUX
fsr-3162	380	24	be	be	AUX
fsr-3162	380	25	endogenous	endogenous	ADJ
fsr-3162	380	26	(	(	PUNCT
fsr-3162	380	27	lusardi	lusardi	PROPN
fsr-3162	380	28	&	&	CCONJ
fsr-3162	380	29	mitchell	mitchell	PROPN
fsr-3162	380	30	,	,	PUNCT
fsr-3162	380	31	2014	2014	NUM
fsr-3162	380	32	)	)	PUNCT
fsr-3162	380	33	.	.	PUNCT
fsr-3162	381	1	therefore	therefore	ADV
fsr-3162	381	2	,	,	PUNCT
fsr-3162	381	3	i	i	PRON
fsr-3162	381	4	use	use	VERB
fsr-3162	381	5	the	the	DET
fsr-3162	381	6	instrumental	instrumental	ADJ
fsr-3162	381	7	variables	variable	NOUN
fsr-3162	381	8	(	(	PUNCT
fsr-3162	381	9	iv	iv	X
fsr-3162	381	10	)	)	PUNCT
fsr-3162	381	11	method	method	NOUN
fsr-3162	381	12	to	to	PART
fsr-3162	381	13	address	address	VERB
fsr-3162	381	14	this	this	DET
fsr-3162	381	15	concern	concern	NOUN
fsr-3162	381	16	.	.	PUNCT
fsr-3162	382	1	in	in	ADP
fsr-3162	382	2	existing	exist	VERB
fsr-3162	382	3	research	research	NOUN
fsr-3162	382	4	,	,	PUNCT
fsr-3162	382	5	instruments	instrument	NOUN
fsr-3162	382	6	used	use	VERB
fsr-3162	382	7	for	for	ADP
fsr-3162	382	8	financial	financial	ADJ
fsr-3162	382	9	literacy	literacy	NOUN
fsr-3162	382	10	include	include	VERB
fsr-3162	382	11	mathematical	mathematical	ADJ
fsr-3162	382	12	ability	ability	NOUN
fsr-3162	382	13	during	during	ADP
fsr-3162	382	14	teens	teen	NOUN
fsr-3162	382	15	(	(	PUNCT
fsr-3162	382	16	gathergood	gathergood	PROPN
fsr-3162	382	17	&	&	CCONJ
fsr-3162	382	18	weber	weber	PROPN
fsr-3162	382	19	,	,	PUNCT
fsr-3162	382	20	2017	2017	NUM
fsr-3162	382	21	;	;	PUNCT
fsr-3162	382	22	jappelli	jappelli	PROPN
fsr-3162	382	23	&	&	CCONJ
fsr-3162	382	24	padula	padula	PROPN
fsr-3162	382	25	,	,	PUNCT
fsr-3162	382	26	2013	2013	NUM
fsr-3162	382	27	)	)	PUNCT
fsr-3162	382	28	,	,	PUNCT
fsr-3162	382	29	the	the	DET
fsr-3162	382	30	experience	experience	NOUN
fsr-3162	382	31	of	of	ADP
fsr-3162	382	32	family	family	NOUN
fsr-3162	382	33	members	member	NOUN
fsr-3162	382	34	(	(	PUNCT
fsr-3162	382	35	behrman	behrman	NOUN
fsr-3162	382	36	et	et	PROPN
fsr-3162	382	37	al	al	PROPN
fsr-3162	382	38	.	.	PROPN
fsr-3162	382	39	,	,	PUNCT
fsr-3162	382	40	2012	2012	NUM
fsr-3162	382	41	;	;	PUNCT
fsr-3162	382	42	rooij	rooij	NOUN
fsr-3162	382	43	et	et	PROPN
fsr-3162	382	44	al	al	PROPN
fsr-3162	382	45	.	.	PROPN
fsr-3162	382	46	,	,	PUNCT
fsr-3162	382	47	2011	2011	NUM
fsr-3162	382	48	)	)	PUNCT
fsr-3162	382	49	,	,	PUNCT
fsr-3162	382	50	and	and	CCONJ
fsr-3162	382	51	the	the	DET
fsr-3162	382	52	number	number	NOUN
fsr-3162	382	53	of	of	ADP
fsr-3162	382	54	universities	university	NOUN
fsr-3162	382	55	or	or	CCONJ
fsr-3162	382	56	newspapers	newspaper	NOUN
fsr-3162	382	57	circulating	circulate	VERB
fsr-3162	382	58	in	in	ADP
fsr-3162	382	59	the	the	DET
fsr-3162	382	60	neighborhood	neighborhood	NOUN
fsr-3162	382	61	(	(	PUNCT
fsr-3162	382	62	klapper	klapper	NOUN
fsr-3162	382	63	et	et	PROPN
fsr-3162	382	64	al	al	PROPN
fsr-3162	382	65	.	.	PROPN
fsr-3162	382	66	,	,	PUNCT
fsr-3162	382	67	2013	2013	NUM
fsr-3162	382	68	)	)	PUNCT
fsr-3162	382	69	.	.	PUNCT
fsr-3162	383	1	in	in	ADP
fsr-3162	383	2	this	this	DET
fsr-3162	383	3	study	study	NOUN
fsr-3162	383	4	,	,	PUNCT
fsr-3162	383	5	due	due	ADP
fsr-3162	383	6	to	to	ADP
fsr-3162	383	7	data	datum	NOUN
fsr-3162	383	8	availability	availability	NOUN
fsr-3162	383	9	,	,	PUNCT
fsr-3162	383	10	i	i	PRON
fsr-3162	383	11	used	use	VERB
fsr-3162	383	12	the	the	DET
fsr-3162	383	13	number	number	NOUN
fsr-3162	383	14	of	of	ADP
fsr-3162	383	15	nikkei	nikkei	NOUN
fsr-3162	383	16	newspapers	newspaper	NOUN
fsr-3162	383	17	per	per	ADP
fsr-3162	383	18	household	household	NOUN
fsr-3162	383	19	circulating	circulate	VERB
fsr-3162	383	20	in	in	ADP
fsr-3162	383	21	the	the	DET
fsr-3162	383	22	respondent	respondent	NOUN
fsr-3162	383	23	’s	’s	PART
fsr-3162	383	24	residing	reside	VERB
fsr-3162	383	25	prefecture	prefecture	NOUN
fsr-3162	383	26	as	as	ADP
fsr-3162	383	27	the	the	DET
fsr-3162	383	28	iv	iv	NUM
fsr-3162	383	29	variable	variable	NOUN
fsr-3162	383	30	.	.	PUNCT
fsr-3162	384	1	furthermore	furthermore	ADV
fsr-3162	384	2	,	,	PUNCT
fsr-3162	384	3	following	follow	VERB
fsr-3162	384	4	bannier	bannier	NOUN
fsr-3162	384	5	and	and	CCONJ
fsr-3162	384	6	schwarz	schwarz	PROPN
fsr-3162	384	7	(	(	PUNCT
fsr-3162	384	8	2018	2018	NUM
fsr-3162	384	9	)	)	PUNCT
fsr-3162	384	10	and	and	CCONJ
fsr-3162	384	11	yeh	yeh	PROPN
fsr-3162	384	12	and	and	CCONJ
fsr-3162	384	13	ling	ling	PROPN
fsr-3162	384	14	(	(	PUNCT
fsr-3162	384	15	2022	2022	NUM
fsr-3162	384	16	)	)	PUNCT
fsr-3162	384	17	,	,	PUNCT
fsr-3162	384	18	in	in	ADP
fsr-3162	384	19	addition	addition	NOUN
fsr-3162	384	20	to	to	ADP
fsr-3162	384	21	this	this	DET
fsr-3162	384	22	external	external	ADJ
fsr-3162	384	23	instrument	instrument	NOUN
fsr-3162	384	24	,	,	PUNCT
fsr-3162	384	25	i	i	PRON
fsr-3162	384	26	also	also	ADV
fsr-3162	384	27	used	use	VERB
fsr-3162	384	28	instruments	instrument	NOUN
fsr-3162	384	29	constructed	construct	VERB
fsr-3162	384	30	by	by	ADP
fsr-3162	384	31	heteroscedasticity	heteroscedasticity	PROPN
fsr-3162	384	32	,	,	PUNCT
fsr-3162	384	33	an	an	DET
fsr-3162	384	34	estimation	estimation	NOUN
fsr-3162	384	35	method	method	NOUN
fsr-3162	384	36	developed	develop	VERB
fsr-3162	384	37	by	by	ADP
fsr-3162	384	38	lewbel	lewbel	NOUN
fsr-3162	384	39	(	(	PUNCT
fsr-3162	384	40	2012	2012	NUM
fsr-3162	384	41	)	)	PUNCT
fsr-3162	384	42	,	,	PUNCT
fsr-3162	384	43	when	when	SCONJ
fsr-3162	384	44	no	no	PRON
fsr-3162	384	45	or	or	CCONJ
fsr-3162	384	46	insufficient	insufficient	ADJ
fsr-3162	384	47	external	external	ADJ
fsr-3162	384	48	instruments	instrument	NOUN
fsr-3162	384	49	were	be	AUX
fsr-3162	384	50	available	available	ADJ
fsr-3162	384	51	.	.	PUNCT
fsr-3162	385	1	as	as	SCONJ
fsr-3162	385	2	the	the	DET
fsr-3162	385	3	lewbel	lewbel	NOUN
fsr-3162	385	4	estimator	estimator	NOUN
fsr-3162	385	5	is	be	AUX
fsr-3162	385	6	based	base	VERB
fsr-3162	385	7	on	on	ADP
fsr-3162	385	8	linear	linear	ADJ
fsr-3162	385	9	regression	regression	NOUN
fsr-3162	385	10	models	model	NOUN
fsr-3162	385	11	,	,	PUNCT
fsr-3162	385	12	i	i	PRON
fsr-3162	385	13	only	only	ADV
fsr-3162	385	14	apply	apply	VERB
fsr-3162	385	15	iv	iv	NUM
fsr-3162	385	16	estimation	estimation	NOUN
fsr-3162	385	17	for	for	ADP
fsr-3162	385	18	binary	binary	ADJ
fsr-3162	385	19	dependent	dependent	ADJ
fsr-3162	385	20	variables	variable	NOUN
fsr-3162	385	21	.	.	PUNCT
fsr-3162	386	1	table	table	NOUN
fsr-3162	386	2	5	5	NUM
fsr-3162	386	3	reports	report	VERB
fsr-3162	386	4	the	the	DET
fsr-3162	386	5	lewbel	lewbel	NOUN
fsr-3162	386	6	estimates	estimate	VERB
fsr-3162	386	7	for	for	ADP
fsr-3162	386	8	the	the	DET
fsr-3162	386	9	regressions	regression	NOUN
fsr-3162	386	10	.	.	PUNCT
fsr-3162	387	1	the	the	DET
fsr-3162	387	2	first	first	ADJ
fsr-3162	387	3	-	-	PUNCT
fsr-3162	387	4	stage	stage	NOUN
fsr-3162	387	5	regression	regression	NOUN
fsr-3162	387	6	results	result	NOUN
fsr-3162	387	7	indicate	indicate	VERB
fsr-3162	387	8	that	that	SCONJ
fsr-3162	387	9	the	the	DET
fsr-3162	387	10	external	external	ADJ
fsr-3162	387	11	instrument	instrument	NOUN
fsr-3162	387	12	is	be	AUX
fsr-3162	387	13	positively	positively	ADV
fsr-3162	387	14	and	and	CCONJ
fsr-3162	387	15	significantly	significantly	ADV
fsr-3162	387	16	associated	associate	VERB
fsr-3162	387	17	with	with	ADP
fsr-3162	387	18	financial	financial	ADJ
fsr-3162	387	19	literacy	literacy	NOUN
fsr-3162	387	20	(	(	PUNCT
fsr-3162	387	21	p	p	X
fsr-3162	387	22	<	<	X
fsr-3162	387	23	.01	.01	NUM
fsr-3162	387	24	)	)	PUNCT
fsr-3162	387	25	,	,	PUNCT
fsr-3162	387	26	satisfying	satisfy	VERB
fsr-3162	387	27	the	the	DET
fsr-3162	387	28	exclusion	exclusion	NOUN
fsr-3162	387	29	restriction	restriction	NOUN
fsr-3162	387	30	.	.	PUNCT
fsr-3162	388	1	the	the	DET
fsr-3162	388	2	lewbel	lewbel	NOUN
fsr-3162	388	3	(	(	PUNCT
fsr-3162	388	4	2012	2012	NUM
fsr-3162	388	5	)	)	PUNCT
fsr-3162	388	6	method	method	NOUN
fsr-3162	388	7	assumes	assume	VERB
fsr-3162	388	8	heteroscedasticity	heteroscedasticity	NOUN
fsr-3162	388	9	in	in	ADP
fsr-3162	388	10	the	the	DET
fsr-3162	388	11	errors	error	NOUN
fsr-3162	388	12	of	of	ADP
fsr-3162	388	13	the	the	DET
fsr-3162	388	14	first	first	ADJ
fsr-3162	388	15	-	-	PUNCT
fsr-3162	388	16	stage	stage	NOUN
fsr-3162	388	17	regression	regression	NOUN
fsr-3162	388	18	.	.	PUNCT
fsr-3162	389	1	the	the	DET
fsr-3162	389	2	white	white	PROPN
fsr-3162	389	3	test	test	NOUN
fsr-3162	389	4	and	and	CCONJ
fsr-3162	389	5	breusch	breusch	PROPN
fsr-3162	389	6	and	and	CCONJ
fsr-3162	389	7	pagan	pagan	VERB
fsr-3162	389	8	test	test	NOUN
fsr-3162	389	9	for	for	ADP
fsr-3162	389	10	heteroscedasticity	heteroscedasticity	NOUN
fsr-3162	389	11	show	show	VERB
fsr-3162	389	12	that	that	SCONJ
fsr-3162	389	13	the	the	DET
fsr-3162	389	14	assumption	assumption	NOUN
fsr-3162	389	15	of	of	ADP
fsr-3162	389	16	heterogeneous	heterogeneous	ADJ
fsr-3162	389	17	error	error	NOUN
fsr-3162	389	18	terms	term	NOUN
fsr-3162	389	19	is	be	AUX
fsr-3162	389	20	met	meet	VERB
fsr-3162	389	21	.	.	PUNCT
fsr-3162	390	1	the	the	DET
fsr-3162	390	2	weak	weak	ADJ
fsr-3162	390	3	instruments	instrument	NOUN
fsr-3162	390	4	test	test	NOUN
fsr-3162	390	5	results	result	NOUN
fsr-3162	390	6	,	,	PUNCT
fsr-3162	390	7	the	the	DET
fsr-3162	390	8	cragg	cragg	NOUN
fsr-3162	390	9	and	and	CCONJ
fsr-3162	390	10	donald	donald	PROPN
fsr-3162	390	11	statistic	statistic	PROPN
fsr-3162	390	12	(=	(=	NOUN
fsr-3162	390	13	15.9	15.9	NUM
fsr-3162	390	14	and	and	CCONJ
fsr-3162	390	15	6.4	6.4	NUM
fsr-3162	390	16	,	,	PUNCT
fsr-3162	390	17	respectively	respectively	ADV
fsr-3162	390	18	)	)	PUNCT
fsr-3162	390	19	,	,	PUNCT
fsr-3162	390	20	imply	imply	VERB
fsr-3162	390	21	that	that	SCONJ
fsr-3162	390	22	the	the	DET
fsr-3162	390	23	null	null	ADJ
fsr-3162	390	24	hypothesis	hypothesis	NOUN
fsr-3162	390	25	of	of	ADP
fsr-3162	390	26	weak	weak	ADJ
fsr-3162	390	27	instruments	instrument	NOUN
fsr-3162	390	28	is	be	AUX
fsr-3162	390	29	rejected	reject	VERB
fsr-3162	390	30	if	if	SCONJ
fsr-3162	390	31	we	we	PRON
fsr-3162	390	32	are	be	AUX
fsr-3162	390	33	willing	willing	ADJ
fsr-3162	390	34	to	to	PART
fsr-3162	390	35	tolerate	tolerate	VERB
fsr-3162	390	36	a	a	DET
fsr-3162	390	37	10–20	10–20	NUM
fsr-3162	390	38	%	%	NOUN
fsr-3162	390	39	relative	relative	ADJ
fsr-3162	390	40	bias	bias	NOUN
fsr-3162	390	41	based	base	VERB
fsr-3162	390	42	on	on	ADP
fsr-3162	390	43	critical	critical	ADJ
fsr-3162	390	44	values	value	NOUN
fsr-3162	390	45	provided	provide	VERB
fsr-3162	390	46	by	by	ADP
fsr-3162	390	47	stock	stock	NOUN
fsr-3162	390	48	and	and	CCONJ
fsr-3162	390	49	yogo	yogo	PROPN
fsr-3162	390	50	(	(	PUNCT
fsr-3162	390	51	2005	2005	NUM
fsr-3162	390	52	)	)	PUNCT
fsr-3162	390	53	.	.	PUNCT
fsr-3162	391	1	310	310	NUM
fsr-3162	391	2	t.-m	t.-m	NOUN
fsr-3162	391	3	.	.	PUNCT
fsr-3162	392	1	yeh	yeh	PROPN
fsr-3162	392	2	/	/	SYM
fsr-3162	392	3	financial	financial	ADJ
fsr-3162	392	4	services	service	NOUN
fsr-3162	392	5	review	review	VERB
fsr-3162	392	6	30	30	NUM
fsr-3162	392	7	(	(	PUNCT
fsr-3162	392	8	2022	2022	NUM
fsr-3162	392	9	)	)	PUNCT
fsr-3162	392	10	297–320	297–320	NUM
fsr-3162	392	11	column	column	NOUN
fsr-3162	392	12	1	1	NUM
fsr-3162	392	13	of	of	ADP
fsr-3162	392	14	table	table	NOUN
fsr-3162	392	15	5	5	NUM
fsr-3162	392	16	reports	report	NOUN
fsr-3162	392	17	the	the	DET
fsr-3162	392	18	iv	iv	NUM
fsr-3162	392	19	estimates	estimate	NOUN
fsr-3162	392	20	for	for	ADP
fsr-3162	392	21	the	the	DET
fsr-3162	392	22	short	short	ADJ
fsr-3162	392	23	-	-	PUNCT
fsr-3162	392	24	term	term	NOUN
fsr-3162	392	25	behavior	behavior	NOUN
fsr-3162	392	26	“	"	PUNCT
fsr-3162	392	27	have	have	VERB
fsr-3162	392	28	an	an	DET
fsr-3162	392	29	emergency	emergency	NOUN
fsr-3162	392	30	fund	fund	NOUN
fsr-3162	392	31	.	.	PUNCT
fsr-3162	392	32	”	"	PUNCT
fsr-3162	393	1	the	the	DET
fsr-3162	393	2	results	result	NOUN
fsr-3162	393	3	are	be	AUX
fsr-3162	393	4	similar	similar	ADJ
fsr-3162	393	5	to	to	ADP
fsr-3162	393	6	those	those	PRON
fsr-3162	393	7	in	in	ADP
fsr-3162	393	8	table	table	NOUN
fsr-3162	393	9	3	3	NUM
fsr-3162	393	10	,	,	PUNCT
fsr-3162	393	11	but	but	CCONJ
fsr-3162	393	12	the	the	DET
fsr-3162	393	13	coefficient	coefficient	NOUN
fsr-3162	393	14	for	for	ADP
fsr-3162	393	15	“	"	PUNCT
fsr-3162	393	16	fin	fin	NOUN
fsr-3162	393	17	.	.	PUNCT
fsr-3162	394	1	education	education	NOUN
fsr-3162	394	2	at	at	ADP
fsr-3162	394	3	school	school	NOUN
fsr-3162	394	4	/	/	SYM
fsr-3162	394	5	work	work	NOUN
fsr-3162	394	6	only	only	ADV
fsr-3162	394	7	”	"	PUNCT
fsr-3162	394	8	is	be	AUX
fsr-3162	394	9	no	no	ADV
fsr-3162	394	10	longer	long	ADV
fsr-3162	394	11	significant	significant	ADJ
fsr-3162	394	12	(	(	PUNCT
fsr-3162	394	13	p	p	NOUN
fsr-3162	394	14	=	=	NOUN
fsr-3162	394	15	.751	.751	NUM
fsr-3162	394	16	)	)	PUNCT
fsr-3162	394	17	.	.	PUNCT
fsr-3162	395	1	the	the	DET
fsr-3162	395	2	conclusion	conclusion	NOUN
fsr-3162	395	3	remains	remain	VERB
fsr-3162	395	4	unchanged	unchanged	ADJ
fsr-3162	395	5	that	that	SCONJ
fsr-3162	395	6	short	short	ADJ
fsr-3162	395	7	-	-	PUNCT
fsr-3162	395	8	term	term	NOUN
fsr-3162	395	9	behaviors	behavior	NOUN
fsr-3162	395	10	are	be	AUX
fsr-3162	395	11	primarily	primarily	ADV
fsr-3162	395	12	associated	associate	VERB
fsr-3162	395	13	with	with	ADP
fsr-3162	395	14	parenting	parenting	NOUN
fsr-3162	395	15	teaching	teaching	NOUN
fsr-3162	395	16	at	at	ADP
fsr-3162	395	17	home	home	NOUN
fsr-3162	395	18	.	.	PUNCT
fsr-3162	396	1	table	table	NOUN
fsr-3162	396	2	5	5	NUM
fsr-3162	396	3	results	result	NOUN
fsr-3162	396	4	for	for	ADP
fsr-3162	396	5	instrumental	instrumental	ADJ
fsr-3162	396	6	variables	variable	NOUN
fsr-3162	396	7	estimation	estimation	NOUN
fsr-3162	396	8	method	method	NOUN
fsr-3162	396	9	.	.	PUNCT
fsr-3162	397	1	have	have	VERB
fsr-3162	397	2	an	an	DET
fsr-3162	397	3	emergency	emergency	NOUN
fsr-3162	397	4	fund	fund	NOUN
fsr-3162	397	5	have	have	VERB
fsr-3162	397	6	a	a	DET
fsr-3162	397	7	plan	plan	NOUN
fsr-3162	397	8	set	set	VERB
fsr-3162	397	9	aside	aside	ADP
fsr-3162	397	10	retirement	retirement	NOUN
fsr-3162	397	11	funds	fund	NOUN
fsr-3162	397	12	.	.	PUNCT
fsr-3162	398	1	coef	coef	PROPN
fsr-3162	398	2	.	.	PUNCT
fsr-3162	399	1	p	p	PROPN
fsr-3162	399	2	coef	coef	PROPN
fsr-3162	399	3	.	.	PUNCT
fsr-3162	400	1	p	p	PROPN
fsr-3162	400	2	coef	coef	PROPN
fsr-3162	400	3	.	.	PUNCT
fsr-3162	401	1	p	p	X
fsr-3162	401	2	fin	fin	NOUN
fsr-3162	401	3	.	.	PUNCT
fsr-3162	402	1	teaching	teach	VERB
fsr-3162	402	2	by	by	ADP
fsr-3162	402	3	parents	parent	NOUN
fsr-3162	402	4	only	only	ADV
fsr-3162	402	5	0.065	0.065	NUM
fsr-3162	402	6	0.000	0.000	NUM
fsr-3162	402	7	0.097	0.097	NUM
fsr-3162	402	8	0.000	0.000	NUM
fsr-3162	402	9	0.064	0.064	NUM
fsr-3162	402	10	0.000	0.000	NUM
fsr-3162	402	11	fin	fin	NOUN
fsr-3162	402	12	.	.	PUNCT
fsr-3162	403	1	education	education	NOUN
fsr-3162	403	2	at	at	ADP
fsr-3162	403	3	school	school	NOUN
fsr-3162	403	4	/	/	SYM
fsr-3162	403	5	work	work	NOUN
fsr-3162	403	6	only	only	ADV
fsr-3162	403	7	0.006	0.006	NUM
fsr-3162	403	8	0.751	0.751	NUM
fsr-3162	403	9	0.154	0.154	NUM
fsr-3162	403	10	0.000	0.000	NUM
fsr-3162	403	11	0.109	0.109	NUM
fsr-3162	403	12	0.000	0.000	NUM
fsr-3162	403	13	both	both	CCONJ
fsr-3162	403	14	at	at	ADP
fsr-3162	403	15	home	home	NOUN
fsr-3162	403	16	and	and	CCONJ
fsr-3162	403	17	school	school	NOUN
fsr-3162	403	18	/	/	SYM
fsr-3162	403	19	work	work	NOUN
fsr-3162	403	20	0.079	0.079	NUM
fsr-3162	403	21	0.000	0.000	NUM
fsr-3162	403	22	0.208	0.208	NUM
fsr-3162	403	23	0.000	0.000	NUM
fsr-3162	403	24	0.160	0.160	NUM
fsr-3162	403	25	0.000	0.000	NUM
fsr-3162	403	26	financial	financial	ADJ
fsr-3162	403	27	literacy	literacy	NOUN
fsr-3162	403	28	0.159	0.159	NUM
fsr-3162	403	29	0.000	0.000	NUM
fsr-3162	403	30	0.023	0.023	NUM
fsr-3162	403	31	0.310	0.310	NUM
fsr-3162	403	32	�	�	PROPN
fsr-3162	403	33	0.007	0.007	NUM
fsr-3162	403	34	0.737	0.737	NUM
fsr-3162	403	35	female	female	ADJ
fsr-3162	403	36	0.156	0.156	NUM
fsr-3162	403	37	0.000	0.000	NUM
fsr-3162	403	38	0.010	0.010	NUM
fsr-3162	403	39	0.528	0.528	NUM
fsr-3162	403	40	�	�	NOUN
fsr-3162	403	41	0.005	0.005	NUM
fsr-3162	403	42	0.702	0.702	NUM
fsr-3162	403	43	age	age	NOUN
fsr-3162	403	44	0.004	0.004	NUM
fsr-3162	403	45	0.000	0.000	NUM
fsr-3162	403	46	0.009	0.009	NUM
fsr-3162	403	47	0.000	0.000	NUM
fsr-3162	403	48	0.012	0.012	NUM
fsr-3162	403	49	0.000	0.000	NUM
fsr-3162	403	50	dummy	dummy	NOUN
fsr-3162	403	51	for	for	ADP
fsr-3162	403	52	having	have	VERB
fsr-3162	403	53	loans	loan	NOUN
fsr-3162	403	54	�	�	PROPN
fsr-3162	403	55	0.166	0.166	NUM
fsr-3162	403	56	0.000	0.000	NUM
fsr-3162	403	57	�	�	PROPN
fsr-3162	403	58	0.082	0.082	NUM
fsr-3162	403	59	0.000	0.000	NUM
fsr-3162	403	60	�	�	PROPN
fsr-3162	403	61	0.105	0.105	NUM
fsr-3162	403	62	0.000	0.000	NUM
fsr-3162	403	63	civil	civil	ADJ
fsr-3162	403	64	servant	servant	NOUN
fsr-3162	403	65	0.040	0.040	NUM
fsr-3162	403	66	0.015	0.015	NUM
fsr-3162	403	67	0.033	0.033	NUM
fsr-3162	403	68	0.100	0.100	NUM
fsr-3162	403	69	0.066	0.066	NUM
fsr-3162	403	70	0.000	0.000	NUM
fsr-3162	403	71	self	self	NOUN
fsr-3162	403	72	-	-	PUNCT
fsr-3162	403	73	employed	employ	VERB
fsr-3162	403	74	�	�	PROPN
fsr-3162	403	75	0.048	0.048	NUM
fsr-3162	403	76	0.000	0.000	NUM
fsr-3162	403	77	�	�	PROPN
fsr-3162	403	78	0.003	0.003	NUM
fsr-3162	403	79	0.877	0.877	NUM
fsr-3162	403	80	0.001	0.001	NUM
fsr-3162	403	81	0.963	0.963	NUM
fsr-3162	403	82	part	part	ADJ
fsr-3162	403	83	-	-	PUNCT
fsr-3162	403	84	timers	timer	NOUN
fsr-3162	403	85	�	�	NOUN
fsr-3162	403	86	0.049	0.049	NUM
fsr-3162	403	87	0.000	0.000	NUM
fsr-3162	403	88	�	�	PROPN
fsr-3162	403	89	0.005	0.005	NUM
fsr-3162	403	90	0.692	0.692	NUM
fsr-3162	403	91	0.021	0.021	NUM
fsr-3162	403	92	0.038	0.038	NUM
fsr-3162	403	93	house	house	NOUN
fsr-3162	403	94	-	-	PUNCT
fsr-3162	403	95	work	work	NOUN
fsr-3162	403	96	0.016	0.016	NUM
fsr-3162	403	97	0.104	0.104	NUM
fsr-3162	403	98	0.041	0.041	NUM
fsr-3162	403	99	0.001	0.001	NUM
fsr-3162	403	100	0.105	0.105	NUM
fsr-3162	403	101	0.000	0.000	NUM
fsr-3162	403	102	student	student	NOUN
fsr-3162	403	103	�	�	PROPN
fsr-3162	403	104	0.139	0.139	NUM
fsr-3162	403	105	0.000	0.000	NUM
fsr-3162	403	106	�	�	PROPN
fsr-3162	403	107	0.012	0.012	NUM
fsr-3162	403	108	0.549	0.549	NUM
fsr-3162	403	109	0.145	0.145	NUM
fsr-3162	403	110	0.000	0.000	NUM
fsr-3162	403	111	not	not	PART
fsr-3162	403	112	employed	employ	VERB
fsr-3162	403	113	�	�	NOUN
fsr-3162	403	114	0.023	0.023	NUM
fsr-3162	403	115	0.022	0.022	NUM
fsr-3162	403	116	0.084	0.084	NUM
fsr-3162	403	117	0.000	0.000	NUM
fsr-3162	403	118	0.160	0.160	NUM
fsr-3162	403	119	0.000	0.000	NUM
fsr-3162	403	120	household	household	NOUN
fsr-3162	403	121	income	income	NOUN
fsr-3162	403	122	<	<	X
fsr-3162	403	123	2.5	2.5	NUM
fsr-3162	403	124	and	and	CCONJ
fsr-3162	403	125	>	>	SYM
fsr-3162	403	126	0	0	NUM
fsr-3162	403	127	mil	mil	NOUN
fsr-3162	403	128	.	.	PUNCT
fsr-3162	404	1	yen	yen	NOUN
fsr-3162	404	2	0.028	0.028	NUM
fsr-3162	404	3	0.102	0.102	NUM
fsr-3162	404	4	0.000	0.000	NUM
fsr-3162	404	5	0.995	0.995	NUM
fsr-3162	404	6	�	�	PROPN
fsr-3162	404	7	0.015	0.015	NUM
fsr-3162	404	8	0.539	0.539	NUM
fsr-3162	404	9	>	>	SYM
fsr-3162	404	10	2.5	2.5	NUM
fsr-3162	404	11	and	and	CCONJ
fsr-3162	404	12	<	<	X
fsr-3162	404	13	5	5	NUM
fsr-3162	404	14	0.097	0.097	NUM
fsr-3162	404	15	0.000	0.000	NUM
fsr-3162	404	16	0.023	0.023	NUM
fsr-3162	404	17	0.413	0.413	NUM
fsr-3162	404	18	0.059	0.059	NUM
fsr-3162	404	19	0.019	0.019	NUM
fsr-3162	404	20	>	>	SYM
fsr-3162	404	21	5	5	NUM
fsr-3162	404	22	and	and	CCONJ
fsr-3162	404	23	<	<	X
fsr-3162	404	24	7.5	7.5	NUM
fsr-3162	404	25	0.156	0.156	NUM
fsr-3162	404	26	0.000	0.000	NUM
fsr-3162	404	27	0.045	0.045	NUM
fsr-3162	404	28	0.136	0.136	NUM
fsr-3162	404	29	0.070	0.070	NUM
fsr-3162	404	30	0.009	0.009	NUM
fsr-3162	404	31	>	>	SYM
fsr-3162	404	32	7.5	7.5	NUM
fsr-3162	404	33	and	and	CCONJ
fsr-3162	404	34	<	<	X
fsr-3162	404	35	10	10	NUM
fsr-3162	404	36	0.177	0.177	NUM
fsr-3162	404	37	0.000	0.000	NUM
fsr-3162	404	38	0.096	0.096	NUM
fsr-3162	404	39	0.003	0.003	NUM
fsr-3162	404	40	0.132	0.132	NUM
fsr-3162	404	41	0.000	0.000	NUM
fsr-3162	404	42	>	>	SYM
fsr-3162	404	43	10	10	NUM
fsr-3162	404	44	and	and	CCONJ
fsr-3162	404	45	<	<	X
fsr-3162	404	46	15	15	NUM
fsr-3162	404	47	0.214	0.214	NUM
fsr-3162	404	48	0.000	0.000	NUM
fsr-3162	404	49	0.124	0.124	NUM
fsr-3162	404	50	0.000	0.000	NUM
fsr-3162	404	51	0.198	0.198	NUM
fsr-3162	404	52	0.000	0.000	NUM
fsr-3162	404	53	>	>	PUNCT
fsr-3162	404	54	15	15	NUM
fsr-3162	404	55	0.232	0.232	NUM
fsr-3162	404	56	0.000	0.000	NUM
fsr-3162	404	57	0.214	0.214	NUM
fsr-3162	404	58	0.000	0.000	NUM
fsr-3162	404	59	0.351	0.351	NUM
fsr-3162	404	60	0.000	0.000	NUM
fsr-3162	404	61	4	4	NUM
fsr-3162	404	62	-	-	PUNCT
fsr-3162	404	63	year	year	NOUN
fsr-3162	404	64	college	college	NOUN
fsr-3162	404	65	0.011	0.011	NUM
fsr-3162	404	66	0.295	0.295	NUM
fsr-3162	404	67	0.011	0.011	NUM
fsr-3162	404	68	0.453	0.453	NUM
fsr-3162	404	69	0.036	0.036	NUM
fsr-3162	404	70	0.004	0.004	NUM
fsr-3162	404	71	graduate	graduate	NOUN
fsr-3162	404	72	0.025	0.025	NUM
fsr-3162	404	73	0.199	0.199	NUM
fsr-3162	404	74	0.079	0.079	NUM
fsr-3162	404	75	0.004	0.004	NUM
fsr-3162	404	76	0.082	0.082	NUM
fsr-3162	404	77	0.000	0.000	NUM
fsr-3162	404	78	residence	residence	NOUN
fsr-3162	404	79	areas	area	NOUN
fsr-3162	405	1	yes	yes	INTJ
fsr-3162	405	2	—	—	PUNCT
fsr-3162	406	1	yes	yes	INTJ
fsr-3162	406	2	—	—	PUNCT
fsr-3162	406	3	yes	yes	INTJ
fsr-3162	406	4	—	—	PUNCT
fsr-3162	406	5	constant	constant	ADJ
fsr-3162	406	6	�	�	PROPN
fsr-3162	406	7	0.169	0.169	NUM
fsr-3162	406	8	0.000	0.000	NUM
fsr-3162	406	9	�	�	PROPN
fsr-3162	406	10	0.216	0.216	NUM
fsr-3162	406	11	0.000	0.000	NUM
fsr-3162	406	12	�	�	PROPN
fsr-3162	406	13	0.438	0.438	NUM
fsr-3162	406	14	0.000	0.000	NUM
fsr-3162	406	15	first	first	ADJ
fsr-3162	406	16	-	-	PUNCT
fsr-3162	406	17	stage	stage	NOUN
fsr-3162	406	18	regression	regression	NOUN
fsr-3162	406	19	of	of	ADP
fsr-3162	406	20	financial	financial	ADJ
fsr-3162	406	21	literacy	literacy	NOUN
fsr-3162	406	22	coef	coef	X
fsr-3162	406	23	.	.	PUNCT
fsr-3162	407	1	p	p	PROPN
fsr-3162	407	2	coef	coef	PROPN
fsr-3162	407	3	.	.	PUNCT
fsr-3162	408	1	p	p	PROPN
fsr-3162	408	2	coef	coef	PROPN
fsr-3162	408	3	.	.	PUNCT
fsr-3162	409	1	p	p	NOUN
fsr-3162	409	2	iv	iv	ADP
fsr-3162	409	3	:	:	PUNCT
fsr-3162	409	4	nikkei	nikkei	PROPN
fsr-3162	409	5	newspaper	newspaper	PROPN
fsr-3162	409	6	circulation	circulation	NOUN
fsr-3162	409	7	0.034	0.034	NUM
fsr-3162	409	8	0.002	0.002	NUM
fsr-3162	409	9	0.048	0.048	NUM
fsr-3162	409	10	0.001	0.001	NUM
fsr-3162	409	11	0.048	0.048	NUM
fsr-3162	409	12	0.001	0.001	NUM
fsr-3162	409	13	no	no	NOUN
fsr-3162	409	14	.	.	PROPN
fsr-3162	409	15	25000	25000	NUM
fsr-3162	409	16	—	—	PUNCT
fsr-3162	409	17	14185	14185	NUM
fsr-3162	409	18	—	—	PUNCT
fsr-3162	409	19	14185	14185	NUM
fsr-3162	409	20	—	—	PUNCT
fsr-3162	409	21	underidentification	underidentification	NOUN
fsr-3162	409	22	test	test	NOUN
fsr-3162	409	23	kleibergen	kleibergen	PROPN
fsr-3162	409	24	-	-	PUNCT
fsr-3162	409	25	paap	paap	VERB
fsr-3162	410	1	rk	rk	PROPN
fsr-3162	410	2	lm	lm	INTJ
fsr-3162	410	3	statistic	statistic	VERB
fsr-3162	410	4	207.6	207.6	NUM
fsr-3162	410	5	0.000	0.000	NUM
fsr-3162	410	6	88.1	88.1	NUM
fsr-3162	410	7	0.000	0.000	NUM
fsr-3162	410	8	88.1	88.1	NUM
fsr-3162	410	9	0.000	0.000	NUM
fsr-3162	410	10	weak	weak	ADJ
fsr-3162	410	11	identification	identification	NOUN
fsr-3162	410	12	test	test	NOUN
fsr-3162	410	13	cragg	cragg	PROPN
fsr-3162	410	14	-	-	PUNCT
fsr-3162	410	15	donald	donald	PROPN
fsr-3162	410	16	wald	wald	PROPN
fsr-3162	410	17	f	f	PROPN
fsr-3162	410	18	statistic	statistic	PROPN
fsr-3162	410	19	15.943	15.943	NUM
fsr-3162	410	20	—	—	PUNCT
fsr-3162	410	21	6.433	6.433	NUM
fsr-3162	410	22	—	—	PUNCT
fsr-3162	410	23	6.433	6.433	NUM
fsr-3162	410	24	—	—	PUNCT
fsr-3162	410	25	heteroskedasticity	heteroskedasticity	NOUN
fsr-3162	410	26	tests	test	VERB
fsr-3162	410	27	white	white	ADJ
fsr-3162	410	28	/	/	SYM
fsr-3162	410	29	koenker	koenker	NOUN
fsr-3162	410	30	nr2	nr2	PROPN
fsr-3162	410	31	test	test	NOUN
fsr-3162	410	32	statistic	statistic	NOUN
fsr-3162	410	33	356.3	356.3	NUM
fsr-3162	410	34	0.000	0.000	NUM
fsr-3162	410	35	133.3	133.3	NUM
fsr-3162	410	36	0.000	0.000	NUM
fsr-3162	410	37	133.3	133.3	NUM
fsr-3162	410	38	0.000	0.000	NUM
fsr-3162	410	39	breusch	breusch	AUX
fsr-3162	410	40	-	-	PUNCT
fsr-3162	410	41	pagan	pagan	VERB
fsr-3162	410	42	/	/	SYM
fsr-3162	410	43	godfrey	godfrey	NOUN
fsr-3162	410	44	/	/	SYM
fsr-3162	410	45	cook	cook	PROPN
fsr-3162	410	46	-	-	PUNCT
fsr-3162	410	47	weisberg	weisberg	PROPN
fsr-3162	410	48	248.8	248.8	NUM
fsr-3162	410	49	0.000	0.000	NUM
fsr-3162	411	1	96.9	96.9	NUM
fsr-3162	411	2	0.000	0.000	NUM
fsr-3162	411	3	96.9	96.9	NUM
fsr-3162	411	4	0.000	0.000	NUM
fsr-3162	411	5	coefficient	coefficient	NOUN
fsr-3162	411	6	equality	equality	NOUN
fsr-3162	411	7	test	test	NOUN
fsr-3162	411	8	x2	x2	INTJ
fsr-3162	412	1	p	p	NOUN
fsr-3162	412	2	by	by	ADP
fsr-3162	412	3	parents	parent	NOUN
fsr-3162	412	4	only	only	ADV
fsr-3162	412	5	=	=	PUNCT
fsr-3162	412	6	at	at	ADP
fsr-3162	412	7	school	school	NOUN
fsr-3162	412	8	/	/	SYM
fsr-3162	412	9	work	work	NOUN
fsr-3162	412	10	13.4	13.4	NUM
fsr-3162	412	11	0.000	0.000	NUM
fsr-3162	412	12	6.3	6.3	NUM
fsr-3162	412	13	0.012	0.012	NUM
fsr-3162	412	14	5.0	5.0	NUM
fsr-3162	412	15	0.026	0.026	NUM
fsr-3162	412	16	at	at	ADP
fsr-3162	412	17	home	home	NOUN
fsr-3162	412	18	and	and	CCONJ
fsr-3162	412	19	school	school	NOUN
fsr-3162	412	20	/	/	SYM
fsr-3162	412	21	work	work	NOUN
fsr-3162	412	22	=	=	PUNCT
fsr-3162	412	23	by	by	ADP
fsr-3162	412	24	parents	parent	NOUN
fsr-3162	412	25	only	only	ADV
fsr-3162	412	26	0.5	0.5	NUM
fsr-3162	412	27	0.461	0.461	NUM
fsr-3162	412	28	19.1	19.1	NUM
fsr-3162	412	29	0.000	0.000	NUM
fsr-3162	412	30	17.7	17.7	NUM
fsr-3162	412	31	0.000	0.000	NUM
fsr-3162	412	32	at	at	ADP
fsr-3162	412	33	home	home	NOUN
fsr-3162	412	34	and	and	CCONJ
fsr-3162	412	35	school	school	NOUN
fsr-3162	412	36	/	/	SYM
fsr-3162	412	37	work	work	NOUN
fsr-3162	412	38	=	=	PUNCT
fsr-3162	412	39	at	at	ADP
fsr-3162	412	40	school	school	NOUN
fsr-3162	412	41	/	/	SYM
fsr-3162	412	42	work	work	NOUN
fsr-3162	412	43	11.5	11.5	NUM
fsr-3162	412	44	0.001	0.001	NUM
fsr-3162	412	45	3.3	3.3	NUM
fsr-3162	412	46	0.070	0.070	NUM
fsr-3162	412	47	3.7	3.7	NUM
fsr-3162	412	48	0.056	0.056	NUM
fsr-3162	412	49	note	note	NOUN
fsr-3162	412	50	.	.	PUNCT
fsr-3162	413	1	the	the	DET
fsr-3162	413	2	results	result	NOUN
fsr-3162	413	3	are	be	AUX
fsr-3162	413	4	based	base	VERB
fsr-3162	413	5	on	on	ADP
fsr-3162	413	6	lewbel	lewbel	PROPN
fsr-3162	413	7	’s	’s	PART
fsr-3162	413	8	iv	iv	NUM
fsr-3162	413	9	estimation	estimation	NOUN
fsr-3162	413	10	method	method	NOUN
fsr-3162	413	11	,	,	PUNCT
fsr-3162	413	12	using	use	VERB
fsr-3162	413	13	the	the	DET
fsr-3162	413	14	dummy	dummy	NOUN
fsr-3162	413	15	for	for	ADP
fsr-3162	413	16	receiving	receive	VERB
fsr-3162	413	17	education	education	NOUN
fsr-3162	413	18	at	at	ADP
fsr-3162	413	19	home	home	NOUN
fsr-3162	413	20	as	as	ADP
fsr-3162	413	21	the	the	DET
fsr-3162	413	22	external	external	ADJ
fsr-3162	413	23	instrument	instrument	NOUN
fsr-3162	413	24	.	.	PUNCT
fsr-3162	414	1	regressions	regression	NOUN
fsr-3162	414	2	are	be	AUX
fsr-3162	414	3	estimated	estimate	VERB
fsr-3162	414	4	using	use	VERB
fsr-3162	414	5	the	the	DET
fsr-3162	414	6	heteroskedasticity	heteroskedasticity	NOUN
fsr-3162	414	7	-	-	PUNCT
fsr-3162	414	8	robust	robust	ADJ
fsr-3162	414	9	standard	standard	ADJ
fsr-3162	414	10	errors	error	NOUN
fsr-3162	414	11	.	.	PUNCT
fsr-3162	415	1	all	all	DET
fsr-3162	415	2	regressions	regression	NOUN
fsr-3162	415	3	include	include	VERB
fsr-3162	415	4	residence	residence	NOUN
fsr-3162	415	5	dummies	dummy	NOUN
fsr-3162	415	6	(	(	PUNCT
fsr-3162	415	7	not	not	PART
fsr-3162	415	8	reported	report	VERB
fsr-3162	415	9	)	)	PUNCT
fsr-3162	415	10	.	.	PUNCT
fsr-3162	416	1	*	*	PUNCT
fsr-3162	416	2	stock	stock	NOUN
fsr-3162	416	3	-	-	PUNCT
fsr-3162	416	4	yogo	yogo	PROPN
fsr-3162	416	5	weak	weak	ADJ
fsr-3162	416	6	i	i	PROPN
fsr-3162	416	7	d	d	PROPN
fsr-3162	416	8	test	test	NOUN
fsr-3162	416	9	critical	critical	ADJ
fsr-3162	416	10	values	value	NOUN
fsr-3162	416	11	for	for	ADP
fsr-3162	416	12	10	10	NUM
fsr-3162	416	13	%	%	NOUN
fsr-3162	416	14	maximal	maximal	ADJ
fsr-3162	416	15	iv	iv	NUM
fsr-3162	416	16	relative	relative	ADJ
fsr-3162	416	17	bias	bias	NOUN
fsr-3162	416	18	11.3	11.3	NUM
fsr-3162	416	19	;	;	PUNCT
fsr-3162	416	20	20	20	NUM
fsr-3162	416	21	%	%	NOUN
fsr-3162	416	22	maximal	maximal	ADJ
fsr-3162	416	23	iv	iv	NUM
fsr-3162	416	24	relative	relative	ADJ
fsr-3162	416	25	bias	bias	NOUN
fsr-3162	416	26	6.08	6.08	NUM
fsr-3162	416	27	;	;	PUNCT
fsr-3162	416	28	30	30	NUM
fsr-3162	416	29	%	%	NOUN
fsr-3162	416	30	maximal	maximal	ADJ
fsr-3162	416	31	iv	iv	NUM
fsr-3162	416	32	relative	relative	ADJ
fsr-3162	416	33	bias	bias	NOUN
fsr-3162	416	34	4.28	4.28	NUM
fsr-3162	416	35	.	.	PUNCT
fsr-3162	416	36	t.-m	t.-m	PROPN
fsr-3162	416	37	.	.	PUNCT
fsr-3162	417	1	yeh	yeh	PROPN
fsr-3162	417	2	/	/	SYM
fsr-3162	417	3	financial	financial	ADJ
fsr-3162	417	4	services	service	NOUN
fsr-3162	417	5	review	review	VERB
fsr-3162	417	6	30	30	NUM
fsr-3162	417	7	(	(	PUNCT
fsr-3162	417	8	2022	2022	NUM
fsr-3162	417	9	)	)	PUNCT
fsr-3162	417	10	297–320	297–320	NUM
fsr-3162	417	11	311	311	NUM
fsr-3162	417	12	in	in	ADP
fsr-3162	417	13	table	table	NOUN
fsr-3162	417	14	5	5	NUM
fsr-3162	417	15	,	,	PUNCT
fsr-3162	417	16	columns	column	NOUN
fsr-3162	417	17	2	2	NUM
fsr-3162	417	18	and	and	CCONJ
fsr-3162	417	19	3	3	NUM
fsr-3162	417	20	report	report	NOUN
fsr-3162	417	21	the	the	DET
fsr-3162	417	22	iv	iv	NUM
fsr-3162	417	23	estimates	estimate	NOUN
fsr-3162	417	24	for	for	ADP
fsr-3162	417	25	the	the	DET
fsr-3162	417	26	long	long	ADJ
fsr-3162	417	27	-	-	PUNCT
fsr-3162	417	28	term	term	NOUN
fsr-3162	417	29	behavior	behavior	NOUN
fsr-3162	417	30	“	"	PUNCT
fsr-3162	417	31	having	have	VERB
fsr-3162	417	32	a	a	DET
fsr-3162	417	33	financial	financial	ADJ
fsr-3162	417	34	plan	plan	NOUN
fsr-3162	417	35	for	for	ADP
fsr-3162	417	36	retirement	retirement	NOUN
fsr-3162	417	37	”	"	PUNCT
fsr-3162	417	38	and	and	CCONJ
fsr-3162	417	39	“	"	PUNCT
fsr-3162	417	40	setting	set	VERB
fsr-3162	417	41	aside	aside	ADP
fsr-3162	417	42	funds	fund	NOUN
fsr-3162	417	43	,	,	PUNCT
fsr-3162	417	44	”	"	PUNCT
fsr-3162	417	45	respectively	respectively	ADV
fsr-3162	417	46	.	.	PUNCT
fsr-3162	418	1	the	the	DET
fsr-3162	418	2	results	result	NOUN
fsr-3162	418	3	are	be	AUX
fsr-3162	418	4	similar	similar	ADJ
fsr-3162	418	5	to	to	ADP
fsr-3162	418	6	those	those	PRON
fsr-3162	418	7	in	in	ADP
fsr-3162	418	8	table	table	NOUN
fsr-3162	418	9	4	4	NUM
fsr-3162	418	10	.	.	PUNCT
fsr-3162	419	1	in	in	ADP
fsr-3162	419	2	both	both	DET
fsr-3162	419	3	columns	column	NOUN
fsr-3162	419	4	,	,	PUNCT
fsr-3162	419	5	the	the	DET
fsr-3162	419	6	coefficient	coefficient	NOUN
fsr-3162	419	7	for	for	ADP
fsr-3162	419	8	“	"	PUNCT
fsr-3162	419	9	fin	fin	NOUN
fsr-3162	419	10	.	.	PUNCT
fsr-3162	420	1	education	education	NOUN
fsr-3162	420	2	at	at	ADP
fsr-3162	420	3	school	school	NOUN
fsr-3162	420	4	/	/	SYM
fsr-3162	420	5	work	work	NOUN
fsr-3162	420	6	only	only	ADV
fsr-3162	420	7	”	"	PUNCT
fsr-3162	420	8	is	be	AUX
fsr-3162	420	9	significantly	significantly	ADV
fsr-3162	420	10	larger	large	ADJ
fsr-3162	420	11	than	than	ADP
fsr-3162	420	12	“	"	PUNCT
fsr-3162	420	13	fin	fin	NOUN
fsr-3162	420	14	.	.	PUNCT
fsr-3162	421	1	teaching	teaching	NOUN
fsr-3162	421	2	by	by	ADP
fsr-3162	421	3	parents	parent	NOUN
fsr-3162	421	4	only	only	ADV
fsr-3162	421	5	”	"	PUNCT
fsr-3162	421	6	(	(	PUNCT
fsr-3162	421	7	p	p	X
fsr-3162	421	8	<	<	X
fsr-3162	421	9	.05	.05	NUM
fsr-3162	421	10	)	)	PUNCT
fsr-3162	421	11	,	,	PUNCT
fsr-3162	421	12	suggesting	suggest	VERB
fsr-3162	421	13	that	that	SCONJ
fsr-3162	421	14	long	long	ADJ
fsr-3162	421	15	-	-	PUNCT
fsr-3162	421	16	term	term	NOUN
fsr-3162	421	17	financial	financial	ADJ
fsr-3162	421	18	behaviors	behavior	NOUN
fsr-3162	421	19	are	be	AUX
fsr-3162	421	20	primarily	primarily	ADV
fsr-3162	421	21	associated	associate	VERB
fsr-3162	421	22	with	with	ADP
fsr-3162	421	23	financial	financial	ADJ
fsr-3162	421	24	education	education	NOUN
fsr-3162	421	25	at	at	ADP
fsr-3162	421	26	school/	school/	NUM
fsr-3162	421	27	work	work	NOUN
fsr-3162	421	28	.	.	PUNCT
fsr-3162	422	1	the	the	DET
fsr-3162	422	2	iv	iv	NUM
fsr-3162	422	3	method	method	NOUN
fsr-3162	422	4	results	result	NOUN
fsr-3162	422	5	for	for	ADP
fsr-3162	422	6	the	the	DET
fsr-3162	422	7	control	control	NOUN
fsr-3162	422	8	variables	variable	NOUN
fsr-3162	422	9	remain	remain	VERB
fsr-3162	422	10	similar	similar	ADJ
fsr-3162	422	11	to	to	ADP
fsr-3162	422	12	the	the	DET
fsr-3162	422	13	preceding	precede	VERB
fsr-3162	422	14	analyses	analysis	NOUN
fsr-3162	422	15	,	,	PUNCT
fsr-3162	422	16	except	except	SCONJ
fsr-3162	422	17	for	for	ADP
fsr-3162	422	18	financial	financial	ADJ
fsr-3162	422	19	literacy	literacy	NOUN
fsr-3162	422	20	—	—	PUNCT
fsr-3162	422	21	in	in	ADP
fsr-3162	422	22	columns	column	NOUN
fsr-3162	422	23	2	2	NUM
fsr-3162	422	24	and	and	CCONJ
fsr-3162	422	25	3	3	NUM
fsr-3162	422	26	,	,	PUNCT
fsr-3162	422	27	financial	financial	ADJ
fsr-3162	422	28	literacy	literacy	NOUN
fsr-3162	422	29	variables	variable	NOUN
fsr-3162	422	30	are	be	AUX
fsr-3162	422	31	no	no	ADV
fsr-3162	422	32	longer	long	ADV
fsr-3162	422	33	significant	significant	ADJ
fsr-3162	422	34	.	.	PUNCT
fsr-3162	423	1	probably	probably	ADV
fsr-3162	423	2	,	,	PUNCT
fsr-3162	423	3	the	the	DET
fsr-3162	423	4	effect	effect	NOUN
fsr-3162	423	5	of	of	ADP
fsr-3162	423	6	financial	financial	ADJ
fsr-3162	423	7	literacy	literacy	NOUN
fsr-3162	423	8	is	be	AUX
fsr-3162	423	9	now	now	ADV
fsr-3162	423	10	captured	capture	VERB
fsr-3162	423	11	by	by	ADP
fsr-3162	423	12	financial	financial	ADJ
fsr-3162	423	13	education	education	NOUN
fsr-3162	423	14	variables	variable	NOUN
fsr-3162	423	15	in	in	ADP
fsr-3162	423	16	the	the	DET
fsr-3162	423	17	iv	iv	NUM
fsr-3162	423	18	estimation	estimation	NOUN
fsr-3162	423	19	.	.	PUNCT
fsr-3162	424	1	however	however	ADV
fsr-3162	424	2	,	,	PUNCT
fsr-3162	424	3	the	the	DET
fsr-3162	424	4	results	result	NOUN
fsr-3162	424	5	regarding	regard	VERB
fsr-3162	424	6	financial	financial	ADJ
fsr-3162	424	7	education	education	NOUN
fsr-3162	424	8	remain	remain	VERB
fsr-3162	424	9	unchanged	unchanged	ADJ
fsr-3162	424	10	.	.	PUNCT
fsr-3162	425	1	4.4	4.4	NUM
fsr-3162	425	2	.	.	PUNCT
fsr-3162	425	3	matching	matching	NOUN
fsr-3162	425	4	method	method	NOUN
fsr-3162	425	5	results	result	VERB
fsr-3162	425	6	whether	whether	SCONJ
fsr-3162	425	7	one	one	NOUN
fsr-3162	425	8	receives	receive	VERB
fsr-3162	425	9	financial	financial	ADJ
fsr-3162	425	10	teaching	teaching	NOUN
fsr-3162	425	11	from	from	ADP
fsr-3162	425	12	parents	parent	NOUN
fsr-3162	425	13	or	or	CCONJ
fsr-3162	425	14	school	school	NOUN
fsr-3162	425	15	can	can	AUX
fsr-3162	425	16	also	also	ADV
fsr-3162	425	17	be	be	AUX
fsr-3162	425	18	related	relate	VERB
fsr-3162	425	19	to	to	ADP
fsr-3162	425	20	socioeconomic	socioeconomic	ADJ
fsr-3162	425	21	factors	factor	NOUN
fsr-3162	425	22	of	of	ADP
fsr-3162	425	23	the	the	DET
fsr-3162	425	24	individual	individual	NOUN
fsr-3162	425	25	’s	’s	PART
fsr-3162	425	26	family	family	NOUN
fsr-3162	425	27	background	background	NOUN
fsr-3162	425	28	,	,	PUNCT
fsr-3162	425	29	such	such	ADJ
fsr-3162	425	30	as	as	ADP
fsr-3162	425	31	wealth	wealth	NOUN
fsr-3162	425	32	or	or	CCONJ
fsr-3162	425	33	parents	parent	NOUN
fsr-3162	425	34	’	'	PUNCT
fsr-3162	425	35	educational	educational	ADJ
fsr-3162	425	36	attainment	attainment	NOUN
fsr-3162	425	37	.	.	PUNCT
fsr-3162	426	1	the	the	DET
fsr-3162	426	2	preceding	precede	VERB
fsr-3162	426	3	regression	regression	NOUN
fsr-3162	426	4	specifications	specification	NOUN
fsr-3162	426	5	address	address	NOUN
fsr-3162	426	6	this	this	DET
fsr-3162	426	7	possibility	possibility	NOUN
fsr-3162	426	8	by	by	ADP
fsr-3162	426	9	including	include	VERB
fsr-3162	426	10	various	various	ADJ
fsr-3162	426	11	control	control	NOUN
fsr-3162	426	12	variables	variable	NOUN
fsr-3162	426	13	available	available	ADJ
fsr-3162	426	14	from	from	ADP
fsr-3162	426	15	the	the	DET
fsr-3162	426	16	survey	survey	NOUN
fsr-3162	426	17	data	datum	NOUN
fsr-3162	426	18	.	.	PUNCT
fsr-3162	427	1	this	this	DET
fsr-3162	427	2	section	section	NOUN
fsr-3162	427	3	provides	provide	VERB
fsr-3162	427	4	additional	additional	ADJ
fsr-3162	427	5	tests	test	NOUN
fsr-3162	427	6	by	by	ADP
fsr-3162	427	7	matching	match	VERB
fsr-3162	427	8	each	each	DET
fsr-3162	427	9	individual	individual	NOUN
fsr-3162	427	10	who	who	PRON
fsr-3162	427	11	received	receive	VERB
fsr-3162	427	12	financial	financial	ADJ
fsr-3162	427	13	teaching	teaching	NOUN
fsr-3162	427	14	with	with	ADP
fsr-3162	427	15	a	a	DET
fsr-3162	427	16	“	"	PUNCT
fsr-3162	427	17	control	control	NOUN
fsr-3162	427	18	”	"	PUNCT
fsr-3162	427	19	individual	individual	NOUN
fsr-3162	427	20	with	with	ADP
fsr-3162	427	21	similar	similar	ADJ
fsr-3162	427	22	characteristics	characteristic	NOUN
fsr-3162	427	23	but	but	CCONJ
fsr-3162	427	24	without	without	ADP
fsr-3162	427	25	financial	financial	ADJ
fsr-3162	427	26	teaching	teaching	NOUN
fsr-3162	427	27	by	by	ADP
fsr-3162	427	28	parents	parent	NOUN
fsr-3162	427	29	or	or	CCONJ
fsr-3162	427	30	school	school	NOUN
fsr-3162	427	31	/	/	SYM
fsr-3162	427	32	workplace	workplace	NOUN
fsr-3162	427	33	.	.	PUNCT
fsr-3162	428	1	the	the	DET
fsr-3162	428	2	matching	matching	NOUN
fsr-3162	428	3	is	be	AUX
fsr-3162	428	4	based	base	VERB
fsr-3162	428	5	on	on	ADP
fsr-3162	428	6	having	have	VERB
fsr-3162	428	7	the	the	DET
fsr-3162	428	8	same	same	ADJ
fsr-3162	428	9	gender	gender	NOUN
fsr-3162	428	10	,	,	PUNCT
fsr-3162	428	11	financial	financial	ADJ
fsr-3162	428	12	literacy	literacy	NOUN
fsr-3162	428	13	scores	score	NOUN
fsr-3162	428	14	,	,	PUNCT
fsr-3162	428	15	age	age	NOUN
fsr-3162	428	16	cohort	cohort	NOUN
fsr-3162	428	17	,	,	PUNCT
fsr-3162	428	18	occupation	occupation	NOUN
fsr-3162	428	19	cohorts	cohort	NOUN
fsr-3162	428	20	,	,	PUNCT
fsr-3162	428	21	household	household	NOUN
fsr-3162	428	22	income	income	NOUN
fsr-3162	428	23	cohorts	cohort	NOUN
fsr-3162	428	24	,	,	PUNCT
fsr-3162	428	25	and	and	CCONJ
fsr-3162	428	26	education	education	NOUN
fsr-3162	428	27	degrees	degree	NOUN
fsr-3162	428	28	without	without	ADP
fsr-3162	428	29	placement.3	placement.3	PROPN
fsr-3162	428	30	subsequently	subsequently	ADV
fsr-3162	428	31	,	,	PUNCT
fsr-3162	428	32	i	i	PRON
fsr-3162	428	33	rerun	rerun	VERB
fsr-3162	428	34	the	the	DET
fsr-3162	428	35	tests	test	NOUN
fsr-3162	428	36	,	,	PUNCT
fsr-3162	428	37	as	as	ADP
fsr-3162	428	38	in	in	ADP
fsr-3162	428	39	tables	table	NOUN
fsr-3162	428	40	3–4	3–4	NUM
fsr-3162	428	41	,	,	PUNCT
fsr-3162	428	42	by	by	ADP
fsr-3162	428	43	using	use	VERB
fsr-3162	428	44	a	a	DET
fsr-3162	428	45	sample	sample	NOUN
fsr-3162	428	46	of	of	ADP
fsr-3162	428	47	the	the	DET
fsr-3162	428	48	treatment	treatment	NOUN
fsr-3162	428	49	and	and	CCONJ
fsr-3162	428	50	control	control	NOUN
fsr-3162	428	51	groups	group	NOUN
fsr-3162	428	52	.	.	PUNCT
fsr-3162	429	1	table	table	NOUN
fsr-3162	429	2	6	6	NUM
fsr-3162	429	3	reports	report	VERB
fsr-3162	429	4	the	the	DET
fsr-3162	429	5	marginal	marginal	ADJ
fsr-3162	429	6	effect	effect	NOUN
fsr-3162	429	7	results	result	NOUN
fsr-3162	429	8	for	for	ADP
fsr-3162	429	9	regressions	regression	NOUN
fsr-3162	429	10	using	use	VERB
fsr-3162	429	11	individuals	individual	NOUN
fsr-3162	429	12	receiving	receive	VERB
fsr-3162	429	13	financial	financial	ADJ
fsr-3162	429	14	teaching	teaching	NOUN
fsr-3162	429	15	by	by	ADP
fsr-3162	429	16	parents	parent	NOUN
fsr-3162	429	17	only	only	ADV
fsr-3162	429	18	(	(	PUNCT
fsr-3162	429	19	treatment	treatment	NOUN
fsr-3162	429	20	group	group	NOUN
fsr-3162	429	21	)	)	PUNCT
fsr-3162	429	22	and	and	CCONJ
fsr-3162	429	23	their	their	PRON
fsr-3162	429	24	control	control	NOUN
fsr-3162	429	25	peers	peer	NOUN
fsr-3162	429	26	receiving	receive	VERB
fsr-3162	429	27	no	no	DET
fsr-3162	429	28	financial	financial	ADJ
fsr-3162	429	29	teaching	teaching	NOUN
fsr-3162	429	30	.	.	PUNCT
fsr-3162	430	1	in	in	ADP
fsr-3162	430	2	the	the	DET
fsr-3162	430	3	treatment	treatment	NOUN
fsr-3162	430	4	group	group	NOUN
fsr-3162	430	5	,	,	PUNCT
fsr-3162	430	6	3,399	3,399	NUM
fsr-3162	430	7	individuals	individual	NOUN
fsr-3162	430	8	(	(	PUNCT
fsr-3162	430	9	95.9	95.9	NUM
fsr-3162	430	10	%	%	NOUN
fsr-3162	430	11	)	)	PUNCT
fsr-3162	430	12	were	be	AUX
fsr-3162	430	13	matched	match	VERB
fsr-3162	430	14	with	with	ADP
fsr-3162	430	15	a	a	DET
fsr-3162	430	16	control	control	NOUN
fsr-3162	430	17	peer	peer	NOUN
fsr-3162	430	18	,	,	PUNCT
fsr-3162	430	19	while	while	SCONJ
fsr-3162	430	20	146	146	NUM
fsr-3162	430	21	(	(	PUNCT
fsr-3162	430	22	4.1	4.1	NUM
fsr-3162	430	23	%	%	NOUN
fsr-3162	430	24	)	)	PUNCT
fsr-3162	430	25	failed	fail	VERB
fsr-3162	430	26	to	to	PART
fsr-3162	430	27	find	find	VERB
fsr-3162	430	28	a	a	DET
fsr-3162	430	29	match	match	NOUN
fsr-3162	430	30	.	.	PUNCT
fsr-3162	431	1	in	in	ADP
fsr-3162	431	2	all	all	DET
fsr-3162	431	3	columns	column	NOUN
fsr-3162	431	4	,	,	PUNCT
fsr-3162	431	5	the	the	DET
fsr-3162	431	6	marginal	marginal	ADJ
fsr-3162	431	7	effects	effect	NOUN
fsr-3162	431	8	of	of	ADP
fsr-3162	431	9	financial	financial	ADJ
fsr-3162	431	10	teaching	teaching	NOUN
fsr-3162	431	11	by	by	ADP
fsr-3162	431	12	parents	parent	NOUN
fsr-3162	431	13	are	be	AUX
fsr-3162	431	14	statistically	statistically	ADV
fsr-3162	431	15	significant	significant	ADJ
fsr-3162	431	16	(	(	PUNCT
fsr-3162	431	17	p	p	X
fsr-3162	431	18	<	<	X
fsr-3162	431	19	.01	.01	NUM
fsr-3162	431	20	)	)	PUNCT
fsr-3162	431	21	and	and	CCONJ
fsr-3162	431	22	are	be	AUX
fsr-3162	431	23	close	close	ADJ
fsr-3162	431	24	in	in	ADP
fsr-3162	431	25	magnitude	magnitude	NOUN
fsr-3162	431	26	to	to	ADP
fsr-3162	431	27	those	those	PRON
fsr-3162	431	28	reported	report	VERB
fsr-3162	431	29	in	in	ADP
fsr-3162	431	30	tables	table	NOUN
fsr-3162	431	31	3–4	3–4	NUM
fsr-3162	431	32	.	.	PUNCT
fsr-3162	431	33	table	table	NOUN
fsr-3162	431	34	7	7	NUM
fsr-3162	431	35	reports	report	VERB
fsr-3162	431	36	the	the	DET
fsr-3162	431	37	marginal	marginal	ADJ
fsr-3162	431	38	effect	effect	NOUN
fsr-3162	431	39	results	result	NOUN
fsr-3162	431	40	for	for	ADP
fsr-3162	431	41	regressions	regression	NOUN
fsr-3162	431	42	using	use	VERB
fsr-3162	431	43	individuals	individual	NOUN
fsr-3162	431	44	receiving	receive	VERB
fsr-3162	431	45	financial	financial	ADJ
fsr-3162	431	46	education	education	NOUN
fsr-3162	431	47	at	at	ADP
fsr-3162	431	48	school	school	NOUN
fsr-3162	431	49	/	/	SYM
fsr-3162	431	50	work	work	NOUN
fsr-3162	431	51	only	only	ADV
fsr-3162	431	52	(	(	PUNCT
fsr-3162	431	53	treatment	treatment	NOUN
fsr-3162	431	54	group	group	NOUN
fsr-3162	431	55	)	)	PUNCT
fsr-3162	431	56	and	and	CCONJ
fsr-3162	431	57	their	their	PRON
fsr-3162	431	58	control	control	NOUN
fsr-3162	431	59	peers	peer	NOUN
fsr-3162	431	60	.	.	PUNCT
fsr-3162	432	1	in	in	ADP
fsr-3162	432	2	the	the	DET
fsr-3162	432	3	treatment	treatment	NOUN
fsr-3162	432	4	group	group	NOUN
fsr-3162	432	5	,	,	PUNCT
fsr-3162	432	6	820	820	NUM
fsr-3162	432	7	individuals	individual	NOUN
fsr-3162	432	8	(	(	PUNCT
fsr-3162	432	9	97.9	97.9	NUM
fsr-3162	432	10	%	%	NOUN
fsr-3162	432	11	)	)	PUNCT
fsr-3162	432	12	were	be	AUX
fsr-3162	432	13	matched	match	VERB
fsr-3162	432	14	with	with	ADP
fsr-3162	432	15	a	a	DET
fsr-3162	432	16	control	control	NOUN
fsr-3162	432	17	peer	peer	NOUN
fsr-3162	432	18	,	,	PUNCT
fsr-3162	432	19	and	and	CCONJ
fsr-3162	432	20	only	only	ADV
fsr-3162	432	21	18	18	NUM
fsr-3162	432	22	(	(	PUNCT
fsr-3162	432	23	2.1	2.1	NUM
fsr-3162	432	24	%	%	NOUN
fsr-3162	432	25	)	)	PUNCT
fsr-3162	432	26	failed	fail	VERB
fsr-3162	432	27	to	to	PART
fsr-3162	432	28	find	find	VERB
fsr-3162	432	29	a	a	DET
fsr-3162	432	30	match	match	NOUN
fsr-3162	432	31	.	.	PUNCT
fsr-3162	433	1	for	for	ADP
fsr-3162	433	2	short	short	ADJ
fsr-3162	433	3	-	-	PUNCT
fsr-3162	433	4	term	term	NOUN
fsr-3162	433	5	financial	financial	ADJ
fsr-3162	433	6	behaviors	behavior	NOUN
fsr-3162	433	7	(	(	PUNCT
fsr-3162	433	8	columns	column	NOUN
fsr-3162	433	9	1–4	1–4	NUM
fsr-3162	433	10	)	)	PUNCT
fsr-3162	433	11	,	,	PUNCT
fsr-3162	433	12	the	the	DET
fsr-3162	433	13	marginal	marginal	ADJ
fsr-3162	433	14	effect	effect	NOUN
fsr-3162	433	15	of	of	ADP
fsr-3162	433	16	financial	financial	ADJ
fsr-3162	433	17	education	education	NOUN
fsr-3162	433	18	is	be	AUX
fsr-3162	433	19	only	only	ADV
fsr-3162	433	20	significant	significant	ADJ
fsr-3162	433	21	for	for	ADP
fsr-3162	433	22	one	one	NUM
fsr-3162	433	23	variable—“watching	variable—“watche	VERB
fsr-3162	433	24	financial	financial	ADJ
fsr-3162	433	25	affairs	affair	NOUN
fsr-3162	433	26	closely	closely	ADV
fsr-3162	433	27	.	.	PUNCT
fsr-3162	433	28	”	"	PUNCT
fsr-3162	434	1	however	however	ADV
fsr-3162	434	2	,	,	PUNCT
fsr-3162	434	3	the	the	DET
fsr-3162	434	4	marginal	marginal	ADJ
fsr-3162	434	5	effects	effect	NOUN
fsr-3162	434	6	of	of	ADP
fsr-3162	434	7	financial	financial	ADJ
fsr-3162	434	8	education	education	NOUN
fsr-3162	434	9	are	be	AUX
fsr-3162	434	10	significant	significant	ADJ
fsr-3162	434	11	for	for	ADP
fsr-3162	434	12	long	long	ADJ
fsr-3162	434	13	-	-	PUNCT
fsr-3162	434	14	term	term	NOUN
fsr-3162	434	15	financial	financial	ADJ
fsr-3162	434	16	behaviors	behavior	NOUN
fsr-3162	434	17	with	with	ADP
fsr-3162	434	18	a	a	DET
fsr-3162	434	19	greater	great	ADJ
fsr-3162	434	20	magnitude	magnitude	NOUN
fsr-3162	434	21	.	.	PUNCT
fsr-3162	435	1	for	for	ADP
fsr-3162	435	2	instance	instance	NOUN
fsr-3162	435	3	,	,	PUNCT
fsr-3162	435	4	for	for	ADP
fsr-3162	435	5	the	the	DET
fsr-3162	435	6	“	"	PUNCT
fsr-3162	435	7	stock	stock	NOUN
fsr-3162	435	8	investment	investment	NOUN
fsr-3162	435	9	”	"	PUNCT
fsr-3162	435	10	experience	experience	NOUN
fsr-3162	435	11	variable	variable	NOUN
fsr-3162	435	12	,	,	PUNCT
fsr-3162	435	13	financial	financial	ADJ
fsr-3162	435	14	education	education	NOUN
fsr-3162	435	15	at	at	ADP
fsr-3162	435	16	home	home	NOUN
fsr-3162	435	17	/	/	SYM
fsr-3162	435	18	workplace	workplace	NOUN
fsr-3162	435	19	has	have	VERB
fsr-3162	435	20	a	a	DET
fsr-3162	435	21	marginal	marginal	ADJ
fsr-3162	435	22	effect	effect	NOUN
fsr-3162	435	23	of	of	ADP
fsr-3162	435	24	15.5	15.5	NUM
fsr-3162	435	25	%	%	NOUN
fsr-3162	435	26	,	,	PUNCT
fsr-3162	435	27	more	more	ADV
fsr-3162	435	28	significant	significant	ADJ
fsr-3162	435	29	than	than	ADP
fsr-3162	435	30	the	the	DET
fsr-3162	435	31	corresponding	corresponding	ADJ
fsr-3162	435	32	2.7	2.7	NUM
fsr-3162	435	33	%	%	NOUN
fsr-3162	435	34	reported	report	VERB
fsr-3162	435	35	in	in	ADP
fsr-3162	435	36	table	table	NOUN
fsr-3162	435	37	6	6	NUM
fsr-3162	435	38	,	,	PUNCT
fsr-3162	435	39	suggesting	suggest	VERB
fsr-3162	435	40	a	a	DET
fsr-3162	435	41	more	more	ADV
fsr-3162	435	42	critical	critical	ADJ
fsr-3162	435	43	role	role	NOUN
fsr-3162	435	44	of	of	ADP
fsr-3162	435	45	financial	financial	ADJ
fsr-3162	435	46	education	education	NOUN
fsr-3162	435	47	at	at	ADP
fsr-3162	435	48	school	school	NOUN
fsr-3162	435	49	/	/	SYM
fsr-3162	435	50	work	work	NOUN
fsr-3162	435	51	in	in	ADP
fsr-3162	435	52	the	the	DET
fsr-3162	435	53	long	long	ADJ
fsr-3162	435	54	-	-	PUNCT
fsr-3162	435	55	term	term	NOUN
fsr-3162	435	56	financial	financial	ADJ
fsr-3162	435	57	behaviors	behavior	NOUN
fsr-3162	435	58	.	.	PUNCT
fsr-3162	436	1	312	312	NUM
fsr-3162	436	2	t.-m	t.-m	NOUN
fsr-3162	436	3	.	.	PUNCT
fsr-3162	437	1	yeh	yeh	PROPN
fsr-3162	437	2	/	/	SYM
fsr-3162	437	3	financial	financial	ADJ
fsr-3162	437	4	services	service	NOUN
fsr-3162	437	5	review	review	VERB
fsr-3162	437	6	30	30	NUM
fsr-3162	437	7	(	(	PUNCT
fsr-3162	437	8	2022	2022	NUM
fsr-3162	437	9	)	)	PUNCT
fsr-3162	437	10	297–320	297–320	NUM
fsr-3162	437	11	t	t	X
fsr-3162	437	12	ab	ab	X
fsr-3162	437	13	le	le	PROPN
fsr-3162	437	14	6	6	NUM
fsr-3162	437	15	p	p	NOUN
fsr-3162	437	16	ro	ro	X
fsr-3162	437	17	p	p	NOUN
fsr-3162	437	18	en	en	ADP
fsr-3162	437	19	si	si	X
fsr-3162	438	1	ty	ty	INTJ
fsr-3162	438	2	sc	sc	PROPN
fsr-3162	438	3	o	o	X
fsr-3162	438	4	re	re	VERB
fsr-3162	438	5	m	m	PROPN
fsr-3162	438	6	at	at	ADP
fsr-3162	438	7	ch	ch	NOUN
fsr-3162	438	8	in	in	ADP
fsr-3162	438	9	g	g	PROPN
fsr-3162	438	10	an	an	PROPN
fsr-3162	438	11	al	al	PROPN
fsr-3162	438	12	y	y	PROPN
fsr-3162	439	1	si	si	PROPN
fsr-3162	439	2	s	s	X
fsr-3162	439	3	fo	fo	INTJ
fsr-3162	439	4	r	r	NOUN
fsr-3162	439	5	th	th	X
fsr-3162	439	6	e	e	NOUN
fsr-3162	439	7	tr	tr	NOUN
fsr-3162	439	8	ea	ea	X
fsr-3162	439	9	tm	tm	PROPN
fsr-3162	439	10	en	en	PROPN
fsr-3162	439	11	t	t	PROPN
fsr-3162	439	12	g	g	PROPN
fsr-3162	439	13	ro	ro	X
fsr-3162	439	14	u	u	PROPN
fsr-3162	439	15	p	p	X
fsr-3162	439	16	th	th	X
fsr-3162	439	17	at	at	ADP
fsr-3162	439	18	re	re	PROPN
fsr-3162	439	19	ce	ce	PROPN
fsr-3162	439	20	iv	iv	PROPN
fsr-3162	439	21	ed	ed	PROPN
fsr-3162	439	22	fi	fi	PROPN
fsr-3162	439	23	n	n	ADV
fsr-3162	439	24	.	.	PUNCT
fsr-3162	440	1	te	te	INTJ
fsr-3162	440	2	ac	ac	PROPN
fsr-3162	440	3	h	h	PROPN
fsr-3162	440	4	in	in	ADP
fsr-3162	440	5	g	g	PROPN
fsr-3162	440	6	b	b	PROPN
fsr-3162	440	7	y	y	PROPN
fsr-3162	440	8	p	p	PROPN
fsr-3162	440	9	ar	ar	PROPN
fsr-3162	440	10	en	en	X
fsr-3162	440	11	ts	ts	ADP
fsr-3162	440	12	o	o	PROPN
fsr-3162	441	1	n	n	ADV
fsr-3162	441	2	ly	ly	X
fsr-3162	441	3	v	v	INTJ
fsr-3162	441	4	er	er	INTJ
fsr-3162	441	5	su	su	PROPN
fsr-3162	441	6	s	s	PROPN
fsr-3162	441	7	co	co	X
fsr-3162	441	8	n	n	PRON
fsr-3162	441	9	tr	tr	NOUN
fsr-3162	441	10	o	o	PROPN
fsr-3162	441	11	l	l	NOUN
fsr-3162	441	12	g	g	NOUN
fsr-3162	441	13	ro	ro	PROPN
fsr-3162	441	14	u	u	PROPN
fsr-3162	441	15	p	p	X
fsr-3162	441	16	th	th	X
fsr-3162	441	17	at	at	ADP
fsr-3162	441	18	re	re	PROPN
fsr-3162	441	19	ce	ce	PROPN
fsr-3162	441	20	iv	iv	PROPN
fsr-3162	441	21	ed	ed	PROPN
fsr-3162	441	22	n	n	ADP
fsr-3162	441	23	o	o	NOUN
fsr-3162	441	24	n	n	X
fsr-3162	441	25	e	e	X
fsr-3162	441	26	d	d	X
fsr-3162	441	27	ep	ep	PROPN
fsr-3162	441	28	en	en	PROPN
fsr-3162	441	29	d	d	PROPN
fsr-3162	441	30	en	en	PROPN
fsr-3162	441	31	t	t	PROPN
fsr-3162	441	32	v	v	PROPN
fsr-3162	441	33	ar	ar	PROPN
fsr-3162	441	34	ia	ia	PROPN
fsr-3162	441	35	b	b	PROPN
fsr-3162	441	36	le	le	X
fsr-3162	441	37	:	:	PUNCT
fsr-3162	442	1	c	c	PROPN
fsr-3162	442	2	ar	ar	PROPN
fsr-3162	442	3	ef	ef	PROPN
fsr-3162	442	4	u	u	PROPN
fsr-3162	442	5	ll	ll	PROPN
fsr-3162	442	6	y	y	PROPN
fsr-3162	442	7	co	co	NOUN
fsr-3162	442	8	n	n	PROPN
fsr-3162	442	9	si	si	PROPN
fsr-3162	442	10	d	d	PROPN
fsr-3162	442	11	er	er	INTJ
fsr-3162	442	12	b	b	PROPN
fsr-3162	442	13	ef	ef	ADP
fsr-3162	442	14	o	o	PROPN
fsr-3162	442	15	re	re	X
fsr-3162	442	16	b	b	X
fsr-3162	442	17	u	u	X
fsr-3162	442	18	y	y	PROPN
fsr-3162	442	19	in	in	ADP
fsr-3162	442	20	g	g	PROPN
fsr-3162	442	21	p	p	PROPN
fsr-3162	442	22	ay	ay	PROPN
fsr-3162	442	23	b	b	X
fsr-3162	442	24	il	il	PROPN
fsr-3162	443	1	ls	ls	PROPN
fsr-3162	443	2	o	o	PROPN
fsr-3162	443	3	n	n	CCONJ
fsr-3162	443	4	ti	ti	NOUN
fsr-3162	443	5	m	m	NOUN
fsr-3162	443	6	e	e	NOUN
fsr-3162	443	7	k	k	PROPN
fsr-3162	443	8	ee	ee	PROPN
fsr-3162	443	9	p	p	PROPN
fsr-3162	443	10	a	a	DET
fsr-3162	443	11	cl	cl	NOUN
fsr-3162	443	12	o	o	NOUN
fsr-3162	443	13	se	se	X
fsr-3162	443	14	ey	ey	X
fsr-3162	443	15	e	e	NOUN
fsr-3162	443	16	o	o	NOUN
fsr-3162	443	17	n	n	CCONJ
fsr-3162	443	18	fi	fi	NOUN
fsr-3162	443	19	n	n	CCONJ
fsr-3162	443	20	an	an	DET
fsr-3162	443	21	ci	ci	NOUN
fsr-3162	443	22	al	al	PROPN
fsr-3162	443	23	af	af	PROPN
fsr-3162	443	24	fa	fa	PROPN
fsr-3162	443	25	ir	ir	PROPN
fsr-3162	443	26	s	s	PROPN
fsr-3162	443	27	h	h	NOUN
fsr-3162	444	1	av	av	PROPN
fsr-3162	444	2	e	e	PROPN
fsr-3162	444	3	an	an	PRON
fsr-3162	444	4	em	em	PRON
fsr-3162	444	5	er	er	INTJ
fsr-3162	444	6	g	g	PROPN
fsr-3162	444	7	en	en	PROPN
fsr-3162	444	8	cy	cy	PROPN
fsr-3162	444	9	fu	fu	PROPN
fsr-3162	445	1	n	n	PROPN
fsr-3162	445	2	d	d	NOUN
fsr-3162	445	3	s	s	VERB
fsr-3162	445	4	to	to	PART
fsr-3162	445	5	ck	ck	VERB
fsr-3162	445	6	in	in	ADP
fsr-3162	445	7	v	v	NOUN
fsr-3162	445	8	es	es	ADP
fsr-3162	445	9	tm	tm	PROPN
fsr-3162	445	10	en	en	PROPN
fsr-3162	445	11	t	t	PROPN
fsr-3162	445	12	h	h	NOUN
fsr-3162	445	13	av	av	PROPN
fsr-3162	445	14	e	e	PROPN
fsr-3162	445	15	a	a	DET
fsr-3162	445	16	p	p	X
fsr-3162	445	17	la	la	PROPN
fsr-3162	445	18	n	n	PROPN
fsr-3162	445	19	s	s	NOUN
fsr-3162	445	20	et	et	NOUN
fsr-3162	445	21	as	as	ADP
fsr-3162	445	22	i	i	PROPN
fsr-3162	445	23	d	d	PROPN
fsr-3162	445	24	e	e	X
fsr-3162	445	25	re	re	ADP
fsr-3162	445	26	ti	ti	PROPN
fsr-3162	445	27	re	re	VERB
fsr-3162	445	28	m	m	PROPN
fsr-3162	445	29	en	en	PROPN
fsr-3162	445	30	t	t	PROPN
fsr-3162	445	31	fu	fu	PROPN
fsr-3162	446	1	n	n	PROPN
fsr-3162	446	2	d	d	PROPN
fsr-3162	446	3	s	s	PROPN
fsr-3162	446	4	.	.	PUNCT
fsr-3162	447	1	m	m	PROPN
fsr-3162	447	2	ea	ea	PROPN
fsr-3162	447	3	n	n	PROPN
fsr-3162	447	4	.	.	PUNCT
fsr-3162	448	1	m	m	VERB
fsr-3162	448	2	ea	ea	NOUN
fsr-3162	448	3	n	n	PROPN
fsr-3162	448	4	.	.	PUNCT
fsr-3162	449	1	m	m	VERB
fsr-3162	449	2	ea	ea	NOUN
fsr-3162	449	3	n	n	PROPN
fsr-3162	449	4	.	.	PUNCT
fsr-3162	450	1	m	m	VERB
fsr-3162	450	2	ea	ea	NOUN
fsr-3162	450	3	n	n	PROPN
fsr-3162	450	4	.	.	PUNCT
fsr-3162	451	1	m	m	VERB
fsr-3162	451	2	ea	ea	PROPN
fsr-3162	451	3	n	n	CCONJ
fsr-3162	451	4	m	m	NOUN
fsr-3162	451	5	ea	ea	NOUN
fsr-3162	451	6	n	n	PROPN
fsr-3162	451	7	.	.	PUNCT
fsr-3162	452	1	m	m	VERB
fsr-3162	452	2	ea	ea	NOUN
fsr-3162	452	3	n	n	PROPN
fsr-3162	452	4	.	.	PUNCT
fsr-3162	453	1	m	m	AUX
fsr-3162	453	2	at	at	ADP
fsr-3162	453	3	ch	ch	PROPN
fsr-3162	453	4	ed	ed	PROPN
fsr-3162	453	5	co	co	PROPN
fsr-3162	453	6	n	n	PROPN
fsr-3162	453	7	tr	tr	NOUN
fsr-3162	453	8	o	o	PROPN
fsr-3162	453	9	l	l	NOUN
fsr-3162	453	10	g	g	NOUN
fsr-3162	453	11	ro	ro	PROPN
fsr-3162	453	12	u	u	PROPN
fsr-3162	453	13	p	p	PROPN
fsr-3162	453	14	3	3	NUM
fsr-3162	453	15	.9	.9	NUM
fsr-3162	453	16	0	0	NUM
fsr-3162	453	17	6	6	NUM
fsr-3162	453	18	4	4	NUM
fsr-3162	453	19	.4	.4	NUM
fsr-3162	453	20	4	4	NUM
fsr-3162	453	21	8	8	NUM
fsr-3162	453	22	3	3	NUM
fsr-3162	453	23	.6	.6	NUM
fsr-3162	453	24	0	0	NUM
fsr-3162	453	25	9	9	NUM
fsr-3162	453	26	0	0	NUM
fsr-3162	453	27	.5	.5	NUM
fsr-3162	453	28	7	7	NUM
fsr-3162	453	29	5	5	NUM
fsr-3162	453	30	0	0	NUM
fsr-3162	453	31	.3	.3	NUM
fsr-3162	453	32	2	2	NUM
fsr-3162	453	33	4	4	NUM
fsr-3162	453	34	0	0	NUM
fsr-3162	453	35	.3	.3	NUM
fsr-3162	453	36	3	3	NUM
fsr-3162	453	37	0	0	NUM
fsr-3162	453	38	0	0	NUM
fsr-3162	454	1	.2	.2	NUM
fsr-3162	454	2	3	3	NUM
fsr-3162	454	3	2	2	NUM
fsr-3162	454	4	f	f	NOUN
fsr-3162	454	5	in	in	ADV
fsr-3162	454	6	.	.	PUNCT
fsr-3162	455	1	te	te	INTJ
fsr-3162	455	2	ac	ac	PROPN
fsr-3162	455	3	h	h	PROPN
fsr-3162	455	4	in	in	ADP
fsr-3162	455	5	g	g	PROPN
fsr-3162	455	6	b	b	PROPN
fsr-3162	455	7	y	y	PROPN
fsr-3162	455	8	p	p	PROPN
fsr-3162	455	9	ar	ar	PROPN
fsr-3162	455	10	en	en	X
fsr-3162	455	11	ts	ts	ADP
fsr-3162	455	12	o	o	PROPN
fsr-3162	455	13	n	n	ADV
fsr-3162	455	14	ly	ly	ADP
fsr-3162	456	1	4	4	NUM
fsr-3162	456	2	.0	.0	NUM
fsr-3162	456	3	9	9	NUM
fsr-3162	456	4	8	8	NUM
fsr-3162	456	5	4	4	NUM
fsr-3162	456	6	.5	.5	NUM
fsr-3162	456	7	4	4	NUM
fsr-3162	456	8	0	0	NUM
fsr-3162	456	9	3	3	NUM
fsr-3162	456	10	.8	.8	NUM
fsr-3162	456	11	6	6	NUM
fsr-3162	456	12	6	6	NUM
fsr-3162	456	13	0	0	NUM
fsr-3162	456	14	.6	.6	NUM
fsr-3162	456	15	6	6	NUM
fsr-3162	456	16	6	6	NUM
fsr-3162	456	17	0	0	NUM
fsr-3162	456	18	.3	.3	NUM
fsr-3162	456	19	5	5	NUM
fsr-3162	456	20	0	0	NUM
fsr-3162	456	21	0	0	NUM
fsr-3162	456	22	.4	.4	NUM
fsr-3162	456	23	1	1	NUM
fsr-3162	456	24	0	0	NUM
fsr-3162	456	25	0	0	NUM
fsr-3162	457	1	.2	.2	NUM
fsr-3162	457	2	8	8	NUM
fsr-3162	457	3	1	1	NUM
fsr-3162	457	4	p	p	NOUN
fsr-3162	457	5	-v	-v	PUNCT
fsr-3162	457	6	al	al	PROPN
fsr-3162	457	7	u	u	NOUN
fsr-3162	457	8	e	e	NOUN
fsr-3162	457	9	fo	fo	INTJ
fsr-3162	457	10	r	r	NOUN
fsr-3162	457	11	t	t	PROPN
fsr-3162	457	12	te	te	PROPN
fsr-3162	457	13	st	st	PROPN
fsr-3162	458	1	o	o	X
fsr-3162	458	2	f	f	PROPN
fsr-3162	458	3	d	d	NOUN
fsr-3162	458	4	if	if	SCONJ
fsr-3162	458	5	fe	fe	X
fsr-3162	458	6	re	re	X
fsr-3162	458	7	n	n	X
fsr-3162	458	8	ce	ce	PROPN
fsr-3162	458	9	0	0	PROPN
fsr-3162	458	10	.0	.0	NUM
fsr-3162	458	11	0	0	NUM
fsr-3162	458	12	0	0	NUM
fsr-3162	458	13	0	0	NUM
fsr-3162	458	14	.0	.0	NUM
fsr-3162	458	15	0	0	NUM
fsr-3162	458	16	0	0	NUM
fsr-3162	458	17	0	0	NUM
fsr-3162	458	18	.0	.0	NUM
fsr-3162	458	19	0	0	NUM
fsr-3162	458	20	0	0	NUM
fsr-3162	458	21	0	0	NUM
fsr-3162	458	22	.0	.0	NUM
fsr-3162	458	23	0	0	NUM
fsr-3162	458	24	0	0	NUM
fsr-3162	458	25	0	0	NUM
fsr-3162	458	26	.0	.0	NUM
fsr-3162	458	27	2	2	NUM
fsr-3162	458	28	4	4	NUM
fsr-3162	458	29	0	0	NUM
fsr-3162	458	30	.0	.0	NUM
fsr-3162	458	31	0	0	NUM
fsr-3162	458	32	0	0	NUM
fsr-3162	458	33	0	0	NUM
fsr-3162	458	34	.0	.0	NUM
fsr-3162	458	35	0	0	NUM
fsr-3162	458	36	0	0	NUM
fsr-3162	459	1	o	o	NOUN
fsr-3162	459	2	rd	rd	NOUN
fsr-3162	459	3	er	er	INTJ
fsr-3162	459	4	ed	ed	NOUN
fsr-3162	459	5	p	p	PROPN
fsr-3162	459	6	ro	ro	PROPN
fsr-3162	459	7	b	b	X
fsr-3162	459	8	it	it	PRON
fsr-3162	459	9	o	o	INTJ
fsr-3162	459	10	rd	rd	NOUN
fsr-3162	460	1	er	er	INTJ
fsr-3162	460	2	ed	ed	NOUN
fsr-3162	461	1	p	p	PROPN
fsr-3162	461	2	ro	ro	PROPN
fsr-3162	461	3	b	b	X
fsr-3162	461	4	it	it	PRON
fsr-3162	462	1	o	o	INTJ
fsr-3162	462	2	rd	rd	NOUN
fsr-3162	462	3	er	er	INTJ
fsr-3162	462	4	ed	ed	NOUN
fsr-3162	462	5	p	p	PROPN
fsr-3162	462	6	ro	ro	PROPN
fsr-3162	463	1	b	b	X
fsr-3162	463	2	it	it	PRON
fsr-3162	463	3	p	p	X
fsr-3162	463	4	ro	ro	INTJ
fsr-3162	464	1	b	b	X
fsr-3162	464	2	it	it	PRON
fsr-3162	464	3	p	p	X
fsr-3162	464	4	ro	ro	INTJ
fsr-3162	465	1	b	b	X
fsr-3162	465	2	it	it	PRON
fsr-3162	465	3	p	p	X
fsr-3162	465	4	ro	ro	INTJ
fsr-3162	466	1	b	b	X
fsr-3162	466	2	it	it	PRON
fsr-3162	466	3	p	p	X
fsr-3162	466	4	ro	ro	INTJ
fsr-3162	467	1	b	b	NOUN
fsr-3162	467	2	it	it	PRON
fsr-3162	467	3	a	a	DET
fsr-3162	467	4	m	m	NOUN
fsr-3162	467	5	e	e	NOUN
fsr-3162	467	6	p	p	NOUN
fsr-3162	467	7	a	a	DET
fsr-3162	467	8	m	m	NOUN
fsr-3162	467	9	e	e	NOUN
fsr-3162	467	10	p	p	NOUN
fsr-3162	467	11	a	a	DET
fsr-3162	467	12	m	m	NOUN
fsr-3162	467	13	e	e	NOUN
fsr-3162	467	14	p	p	NOUN
fsr-3162	467	15	a	a	DET
fsr-3162	467	16	m	m	NOUN
fsr-3162	467	17	e	e	NOUN
fsr-3162	467	18	p	p	NOUN
fsr-3162	467	19	a	a	DET
fsr-3162	467	20	m	m	NOUN
fsr-3162	467	21	e	e	NOUN
fsr-3162	467	22	p	p	NOUN
fsr-3162	467	23	a	a	DET
fsr-3162	467	24	m	m	NOUN
fsr-3162	467	25	e	e	NOUN
fsr-3162	467	26	p	p	NOUN
fsr-3162	467	27	a	a	DET
fsr-3162	467	28	m	m	NOUN
fsr-3162	467	29	e	e	NOUN
fsr-3162	467	30	p	p	NOUN
fsr-3162	467	31	p	p	X
fsr-3162	467	32	re	re	ADP
fsr-3162	467	33	d	d	NOUN
fsr-3162	467	34	ic	ic	X
fsr-3162	467	35	te	te	PROPN
fsr-3162	467	36	d	d	X
fsr-3162	467	37	p	p	X
fsr-3162	467	38	ro	ro	PROPN
fsr-3162	467	39	b	b	PROPN
fsr-3162	467	40	ab	ab	PROPN
fsr-3162	467	41	il	il	PROPN
fsr-3162	468	1	it	it	PRON
fsr-3162	469	1	y	y	NOUN
fsr-3162	469	2	o	o	X
fsr-3162	469	3	f	f	PROPN
fsr-3162	469	4	st	st	PROPN
fsr-3162	469	5	ro	ro	PROPN
fsr-3162	469	6	n	n	ADP
fsr-3162	469	7	g	g	PROPN
fsr-3162	469	8	ly	ly	X
fsr-3162	469	9	ag	ag	PROPN
fsr-3162	469	10	re	re	ADP
fsr-3162	469	11	e	e	PROPN
fsr-3162	469	12	o	o	PROPN
fsr-3162	469	13	n	n	CCONJ
fsr-3162	469	14	th	th	X
fsr-3162	469	15	e	e	X
fsr-3162	469	16	st	st	PROPN
fsr-3162	469	17	at	at	ADP
fsr-3162	469	18	em	em	PRON
fsr-3162	469	19	en	en	ADP
fsr-3162	469	20	t	t	PROPN
fsr-3162	469	21	0	0	NUM
fsr-3162	470	1	.0	.0	NUM
fsr-3162	470	2	8	8	NUM
fsr-3162	470	3	1	1	NUM
fsr-3162	470	4	.0	.0	NUM
fsr-3162	470	5	0	0	NUM
fsr-3162	470	6	0	0	NUM
fsr-3162	470	7	0	0	NUM
fsr-3162	471	1	.0	.0	NUM
fsr-3162	471	2	5	5	NUM
fsr-3162	471	3	3	3	NUM
fsr-3162	471	4	.0	.0	NUM
fsr-3162	471	5	0	0	NUM
fsr-3162	471	6	0	0	NUM
fsr-3162	471	7	0	0	NUM
fsr-3162	471	8	.0	.0	NUM
fsr-3162	471	9	8	8	NUM
fsr-3162	471	10	7	7	NUM
fsr-3162	471	11	.0	.0	NUM
fsr-3162	471	12	0	0	NUM
fsr-3162	471	13	0	0	NUM
fsr-3162	471	14	f	f	NOUN
fsr-3162	471	15	in	in	ADP
fsr-3162	471	16	.	.	PUNCT
fsr-3162	472	1	te	te	INTJ
fsr-3162	472	2	ac	ac	PROPN
fsr-3162	472	3	h	h	PROPN
fsr-3162	472	4	in	in	ADP
fsr-3162	472	5	g	g	PROPN
fsr-3162	472	6	b	b	PROPN
fsr-3162	472	7	y	y	PROPN
fsr-3162	472	8	p	p	PROPN
fsr-3162	472	9	ar	ar	PROPN
fsr-3162	472	10	en	en	X
fsr-3162	472	11	ts	ts	ADP
fsr-3162	472	12	0	0	NUM
fsr-3162	473	1	.0	.0	NUM
fsr-3162	473	2	9	9	NUM
fsr-3162	473	3	2	2	NUM
fsr-3162	473	4	.0	.0	NUM
fsr-3162	473	5	0	0	NUM
fsr-3162	473	6	0	0	NUM
fsr-3162	473	7	0	0	NUM
fsr-3162	474	1	.0	.0	NUM
fsr-3162	474	2	2	2	NUM
fsr-3162	474	3	7	7	NUM
fsr-3162	474	4	.0	.0	NUM
fsr-3162	474	5	0	0	NUM
fsr-3162	474	6	8	8	NUM
fsr-3162	474	7	0	0	NUM
fsr-3162	474	8	.0	.0	NUM
fsr-3162	474	9	8	8	NUM
fsr-3162	474	10	8	8	NUM
fsr-3162	474	11	.0	.0	NUM
fsr-3162	474	12	0	0	NUM
fsr-3162	474	13	0	0	NUM
fsr-3162	474	14	0	0	NUM
fsr-3162	474	15	.0	.0	NUM
fsr-3162	474	16	5	5	NUM
fsr-3162	474	17	9	9	NUM
fsr-3162	474	18	0	0	NUM
fsr-3162	474	19	0	0	NUM
fsr-3162	474	20	0	0	NUM
fsr-3162	475	1	c	c	NOUN
fsr-3162	475	2	o	o	NOUN
fsr-3162	475	3	n	n	PRON
fsr-3162	475	4	tr	tr	NOUN
fsr-3162	475	5	o	o	PROPN
fsr-3162	475	6	ls	ls	INTJ
fsr-3162	475	7	y	y	PROPN
fsr-3162	475	8	es	es	ADP
fsr-3162	475	9	y	y	PROPN
fsr-3162	475	10	es	es	VERB
fsr-3162	475	11	y	y	PROPN
fsr-3162	475	12	es	es	ADP
fsr-3162	475	13	y	y	PROPN
fsr-3162	475	14	es	es	ADP
fsr-3162	475	15	y	y	PROPN
fsr-3162	475	16	es	es	ADP
fsr-3162	475	17	y	y	PROPN
fsr-3162	475	18	es	es	X
fsr-3162	475	19	y	y	PROPN
fsr-3162	475	20	es	es	NOUN
fsr-3162	475	21	n	n	INTJ
fsr-3162	475	22	o	o	NOUN
fsr-3162	475	23	.	.	PUNCT
fsr-3162	476	1	6	6	NUM
fsr-3162	476	2	,	,	PUNCT
fsr-3162	476	3	7	7	NUM
fsr-3162	476	4	9	9	NUM
fsr-3162	476	5	8	8	NUM
fsr-3162	476	6	—	—	PUNCT
fsr-3162	476	7	6	6	NUM
fsr-3162	476	8	,	,	PUNCT
fsr-3162	476	9	7	7	NUM
fsr-3162	476	10	9	9	NUM
fsr-3162	476	11	8	8	NUM
fsr-3162	476	12	—	—	PUNCT
fsr-3162	476	13	6	6	NUM
fsr-3162	476	14	,	,	PUNCT
fsr-3162	476	15	7	7	NUM
fsr-3162	476	16	9	9	NUM
fsr-3162	476	17	8	8	NUM
fsr-3162	476	18	—	—	PUNCT
fsr-3162	476	19	6	6	NUM
fsr-3162	476	20	,	,	PUNCT
fsr-3162	476	21	7	7	NUM
fsr-3162	476	22	9	9	NUM
fsr-3162	476	23	8	8	NUM
fsr-3162	476	24	—	—	PUNCT
fsr-3162	476	25	6	6	NUM
fsr-3162	476	26	,	,	PUNCT
fsr-3162	476	27	7	7	NUM
fsr-3162	476	28	9	9	NUM
fsr-3162	476	29	8	8	NUM
fsr-3162	476	30	4	4	NUM
fsr-3162	476	31	,	,	PUNCT
fsr-3162	476	32	1	1	NUM
fsr-3162	476	33	2	2	NUM
fsr-3162	476	34	9	9	NUM
fsr-3162	476	35	—	—	PUNCT
fsr-3162	476	36	4	4	NUM
fsr-3162	476	37	,	,	PUNCT
fsr-3162	476	38	1	1	NUM
fsr-3162	476	39	2	2	NUM
fsr-3162	476	40	9	9	NUM
fsr-3162	476	41	—	—	PUNCT
fsr-3162	477	1	w	w	PROPN
fsr-3162	477	2	al	al	PROPN
fsr-3162	477	3	d	d	PROPN
fsr-3162	477	4	x	x	SYM
fsr-3162	477	5	2	2	NUM
fsr-3162	477	6	1	1	NUM
fsr-3162	477	7	8	8	NUM
fsr-3162	477	8	1	1	NUM
fsr-3162	477	9	.0	.0	NUM
fsr-3162	477	10	0	0	NUM
fsr-3162	477	11	0	0	NUM
fsr-3162	477	12	5	5	NUM
fsr-3162	477	13	4	4	NUM
fsr-3162	477	14	7	7	NUM
fsr-3162	477	15	.5	.5	NUM
fsr-3162	477	16	.0	.0	NUM
fsr-3162	477	17	0	0	NUM
fsr-3162	477	18	0	0	NUM
fsr-3162	477	19	4	4	NUM
fsr-3162	477	20	0	0	NUM
fsr-3162	477	21	7	7	NUM
fsr-3162	477	22	.5	.5	NUM
fsr-3162	477	23	.0	.0	NUM
fsr-3162	477	24	0	0	NUM
fsr-3162	477	25	0	0	NUM
fsr-3162	477	26	1	1	NUM
fsr-3162	477	27	2	2	NUM
fsr-3162	477	28	8	8	NUM
fsr-3162	477	29	7	7	NUM
fsr-3162	477	30	.0	.0	NUM
fsr-3162	477	31	0	0	NUM
fsr-3162	477	32	0	0	NUM
fsr-3162	477	33	1	1	NUM
fsr-3162	477	34	2	2	NUM
fsr-3162	477	35	0	0	NUM
fsr-3162	477	36	9	9	NUM
fsr-3162	477	37	.0	.0	NUM
fsr-3162	477	38	0	0	NUM
fsr-3162	477	39	0	0	NUM
fsr-3162	477	40	5	5	NUM
fsr-3162	477	41	2	2	NUM
fsr-3162	477	42	1	1	NUM
fsr-3162	477	43	.0	.0	NUM
fsr-3162	477	44	0	0	NUM
fsr-3162	477	45	0	0	NUM
fsr-3162	477	46	7	7	NUM
fsr-3162	477	47	1	1	NUM
fsr-3162	477	48	4	4	NUM
fsr-3162	477	49	0	0	NUM
fsr-3162	477	50	.0	.0	NUM
fsr-3162	477	51	0	0	NUM
fsr-3162	477	52	0	0	NUM
fsr-3162	477	53	p	p	NOUN
fsr-3162	477	54	se	se	X
fsr-3162	477	55	u	u	PROPN
fsr-3162	478	1	d	d	X
fsr-3162	478	2	o	o	NOUN
fsr-3162	478	3	r	r	NOUN
fsr-3162	478	4	2	2	NUM
fsr-3162	478	5	0	0	NUM
fsr-3162	478	6	.0	.0	NUM
fsr-3162	478	7	1	1	NUM
fsr-3162	478	8	0	0	NUM
fsr-3162	478	9	—	—	PUNCT
fsr-3162	478	10	0	0	NUM
fsr-3162	478	11	.0	.0	NUM
fsr-3162	478	12	4	4	NUM
fsr-3162	478	13	4	4	NUM
fsr-3162	478	14	—	—	PUNCT
fsr-3162	478	15	0	0	NUM
fsr-3162	478	16	.0	.0	NUM
fsr-3162	478	17	2	2	NUM
fsr-3162	478	18	2	2	NUM
fsr-3162	478	19	—	—	PUNCT
fsr-3162	478	20	0	0	NUM
fsr-3162	478	21	.1	.1	NUM
fsr-3162	478	22	7	7	NUM
fsr-3162	478	23	9	9	NUM
fsr-3162	478	24	—	—	PUNCT
fsr-3162	478	25	0	0	NUM
fsr-3162	478	26	.1	.1	NUM
fsr-3162	478	27	7	7	NUM
fsr-3162	478	28	9	9	NUM
fsr-3162	478	29	0	0	NUM
fsr-3162	478	30	.1	.1	NUM
fsr-3162	478	31	1	1	NUM
fsr-3162	478	32	8	8	NUM
fsr-3162	478	33	—	—	PUNCT
fsr-3162	478	34	0	0	NUM
fsr-3162	479	1	.2	.2	NUM
fsr-3162	479	2	3	3	NUM
fsr-3162	479	3	2	2	NUM
fsr-3162	479	4	—	—	PUNCT
fsr-3162	479	5	n	n	NOUN
fsr-3162	479	6	o	o	INTJ
fsr-3162	479	7	te	te	INTJ
fsr-3162	479	8	.	.	PUNCT
fsr-3162	480	1	a	a	DET
fsr-3162	480	2	m	m	NOUN
fsr-3162	480	3	e	e	NOUN
fsr-3162	480	4	=	=	SYM
fsr-3162	480	5	av	av	PROPN
fsr-3162	480	6	er	er	INTJ
fsr-3162	480	7	ag	ag	PROPN
fsr-3162	480	8	e	e	PROPN
fsr-3162	480	9	m	m	PROPN
fsr-3162	480	10	ar	ar	PROPN
fsr-3162	480	11	g	g	PROPN
fsr-3162	480	12	in	in	ADP
fsr-3162	480	13	al	al	PROPN
fsr-3162	480	14	ef	ef	PROPN
fsr-3162	480	15	fe	fe	PROPN
fsr-3162	480	16	ct	ct	PROPN
fsr-3162	480	17	s.	s.	PROPN
fsr-3162	480	18	t.-m	t.-m	PROPN
fsr-3162	480	19	.	.	PUNCT
fsr-3162	481	1	yeh	yeh	PROPN
fsr-3162	481	2	/	/	SYM
fsr-3162	481	3	financial	financial	ADJ
fsr-3162	481	4	services	service	NOUN
fsr-3162	481	5	review	review	VERB
fsr-3162	481	6	30	30	NUM
fsr-3162	481	7	(	(	PUNCT
fsr-3162	481	8	2022	2022	NUM
fsr-3162	481	9	)	)	PUNCT
fsr-3162	482	1	297–320	297–320	NUM
fsr-3162	482	2	313	313	NUM
fsr-3162	482	3	t	t	PROPN
fsr-3162	482	4	ab	ab	PROPN
fsr-3162	482	5	le	le	X
fsr-3162	482	6	7	7	NUM
fsr-3162	482	7	p	p	NOUN
fsr-3162	482	8	ro	ro	X
fsr-3162	482	9	p	p	NOUN
fsr-3162	482	10	en	en	ADP
fsr-3162	482	11	si	si	X
fsr-3162	483	1	ty	ty	INTJ
fsr-3162	483	2	sc	sc	PROPN
fsr-3162	483	3	o	o	X
fsr-3162	483	4	re	re	VERB
fsr-3162	483	5	m	m	PROPN
fsr-3162	483	6	at	at	ADP
fsr-3162	483	7	ch	ch	NOUN
fsr-3162	483	8	in	in	ADP
fsr-3162	483	9	g	g	PROPN
fsr-3162	483	10	an	an	PROPN
fsr-3162	483	11	al	al	PROPN
fsr-3162	483	12	y	y	PROPN
fsr-3162	484	1	si	si	PROPN
fsr-3162	484	2	s	s	NOUN
fsr-3162	484	3	fo	fo	INTJ
fsr-3162	484	4	r	r	NOUN
fsr-3162	484	5	tr	tr	NOUN
fsr-3162	484	6	ea	ea	X
fsr-3162	484	7	tm	tm	PROPN
fsr-3162	484	8	en	en	PROPN
fsr-3162	484	9	t	t	PROPN
fsr-3162	484	10	g	g	PROPN
fsr-3162	484	11	ro	ro	X
fsr-3162	484	12	u	u	PROPN
fsr-3162	484	13	p	p	X
fsr-3162	484	14	th	th	X
fsr-3162	484	15	at	at	ADP
fsr-3162	484	16	re	re	PROPN
fsr-3162	484	17	ce	ce	PROPN
fsr-3162	484	18	iv	iv	PROPN
fsr-3162	484	19	ed	ed	PROPN
fsr-3162	484	20	fi	fi	PROPN
fsr-3162	484	21	n	n	ADV
fsr-3162	484	22	.	.	PUNCT
fsr-3162	485	1	ed	ed	NOUN
fsr-3162	485	2	u	u	INTJ
fsr-3162	485	3	ca	can	AUX
fsr-3162	485	4	ti	ti	NOUN
fsr-3162	485	5	o	o	PROPN
fsr-3162	485	6	n	n	X
fsr-3162	485	7	at	at	ADP
fsr-3162	485	8	sc	sc	PROPN
fsr-3162	485	9	h	h	NOUN
fsr-3162	485	10	o	o	NOUN
fsr-3162	485	11	o	o	X
fsr-3162	485	12	l/	l/	NOUN
fsr-3162	485	13	w	w	NOUN
fsr-3162	485	14	o	o	NOUN
fsr-3162	485	15	rk	rk	NOUN
fsr-3162	485	16	o	o	NOUN
fsr-3162	485	17	n	n	ADP
fsr-3162	485	18	ly	ly	X
fsr-3162	485	19	v	v	INTJ
fsr-3162	485	20	er	er	INTJ
fsr-3162	485	21	su	su	PROPN
fsr-3162	485	22	s	s	PROPN
fsr-3162	485	23	co	co	X
fsr-3162	485	24	n	n	PRON
fsr-3162	485	25	tr	tr	NOUN
fsr-3162	485	26	o	o	PROPN
fsr-3162	485	27	l	l	NOUN
fsr-3162	485	28	g	g	NOUN
fsr-3162	485	29	ro	ro	PROPN
fsr-3162	485	30	u	u	PROPN
fsr-3162	485	31	p	p	X
fsr-3162	485	32	th	th	X
fsr-3162	485	33	at	at	ADP
fsr-3162	485	34	re	re	PROPN
fsr-3162	485	35	ce	ce	PROPN
fsr-3162	485	36	iv	iv	PROPN
fsr-3162	485	37	ed	ed	PROPN
fsr-3162	485	38	n	n	ADP
fsr-3162	485	39	o	o	NOUN
fsr-3162	485	40	n	n	X
fsr-3162	485	41	e	e	X
fsr-3162	485	42	d	d	X
fsr-3162	485	43	ep	ep	PROPN
fsr-3162	485	44	en	en	PROPN
fsr-3162	485	45	d	d	PROPN
fsr-3162	485	46	en	en	PROPN
fsr-3162	485	47	t	t	PROPN
fsr-3162	485	48	v	v	PROPN
fsr-3162	485	49	ar	ar	PROPN
fsr-3162	485	50	ia	ia	PROPN
fsr-3162	485	51	b	b	PROPN
fsr-3162	485	52	le	le	X
fsr-3162	485	53	:	:	PUNCT
fsr-3162	485	54	c	c	PROPN
fsr-3162	485	55	ar	ar	PROPN
fsr-3162	485	56	ef	ef	PROPN
fsr-3162	485	57	u	u	PROPN
fsr-3162	485	58	ll	ll	PROPN
fsr-3162	485	59	y	y	PROPN
fsr-3162	485	60	co	co	NOUN
fsr-3162	485	61	n	n	PROPN
fsr-3162	485	62	si	si	PROPN
fsr-3162	485	63	d	d	PROPN
fsr-3162	485	64	er	er	INTJ
fsr-3162	485	65	b	b	PROPN
fsr-3162	485	66	ef	ef	ADP
fsr-3162	485	67	o	o	PROPN
fsr-3162	485	68	re	re	X
fsr-3162	485	69	b	b	X
fsr-3162	485	70	u	u	X
fsr-3162	485	71	y	y	PROPN
fsr-3162	485	72	in	in	ADP
fsr-3162	485	73	g	g	PROPN
fsr-3162	485	74	p	p	PROPN
fsr-3162	485	75	ay	ay	PROPN
fsr-3162	485	76	b	b	X
fsr-3162	485	77	il	il	PROPN
fsr-3162	486	1	ls	ls	PROPN
fsr-3162	486	2	o	o	PROPN
fsr-3162	486	3	n	n	CCONJ
fsr-3162	486	4	ti	ti	NOUN
fsr-3162	486	5	m	m	NOUN
fsr-3162	486	6	e	e	NOUN
fsr-3162	486	7	k	k	PROPN
fsr-3162	486	8	ee	ee	PROPN
fsr-3162	486	9	p	p	PROPN
fsr-3162	486	10	a	a	DET
fsr-3162	486	11	cl	cl	NOUN
fsr-3162	486	12	o	o	NOUN
fsr-3162	486	13	se	se	X
fsr-3162	486	14	ey	ey	X
fsr-3162	486	15	e	e	NOUN
fsr-3162	486	16	o	o	NOUN
fsr-3162	486	17	n	n	CCONJ
fsr-3162	486	18	fi	fi	NOUN
fsr-3162	486	19	n	n	CCONJ
fsr-3162	486	20	an	an	DET
fsr-3162	486	21	ci	ci	NOUN
fsr-3162	486	22	al	al	PROPN
fsr-3162	486	23	af	af	PROPN
fsr-3162	486	24	fa	fa	PROPN
fsr-3162	486	25	ir	ir	PROPN
fsr-3162	486	26	s	s	PROPN
fsr-3162	486	27	h	h	NOUN
fsr-3162	487	1	av	av	PROPN
fsr-3162	487	2	e	e	PROPN
fsr-3162	487	3	an	an	PRON
fsr-3162	487	4	em	em	PRON
fsr-3162	487	5	er	er	INTJ
fsr-3162	487	6	g	g	PROPN
fsr-3162	487	7	en	en	PROPN
fsr-3162	487	8	cy	cy	PROPN
fsr-3162	487	9	fu	fu	PROPN
fsr-3162	488	1	n	n	PROPN
fsr-3162	488	2	d	d	NOUN
fsr-3162	488	3	s	s	VERB
fsr-3162	488	4	to	to	PART
fsr-3162	488	5	ck	ck	VERB
fsr-3162	488	6	in	in	ADP
fsr-3162	488	7	v	v	NOUN
fsr-3162	488	8	es	es	ADP
fsr-3162	488	9	tm	tm	PROPN
fsr-3162	488	10	en	en	PROPN
fsr-3162	488	11	t	t	PROPN
fsr-3162	488	12	h	h	NOUN
fsr-3162	488	13	av	av	PROPN
fsr-3162	488	14	e	e	PROPN
fsr-3162	488	15	a	a	DET
fsr-3162	488	16	p	p	X
fsr-3162	488	17	la	la	PROPN
fsr-3162	488	18	n	n	PROPN
fsr-3162	488	19	s	s	NOUN
fsr-3162	488	20	et	et	NOUN
fsr-3162	488	21	as	as	ADP
fsr-3162	488	22	i	i	PROPN
fsr-3162	488	23	d	d	PROPN
fsr-3162	488	24	e	e	X
fsr-3162	488	25	re	re	ADP
fsr-3162	488	26	ti	ti	PROPN
fsr-3162	488	27	re	re	VERB
fsr-3162	488	28	m	m	PROPN
fsr-3162	488	29	en	en	PROPN
fsr-3162	488	30	t	t	PROPN
fsr-3162	488	31	fu	fu	PROPN
fsr-3162	489	1	n	n	PROPN
fsr-3162	489	2	d	d	PROPN
fsr-3162	489	3	s	s	PROPN
fsr-3162	489	4	.	.	PUNCT
fsr-3162	490	1	m	m	PROPN
fsr-3162	490	2	ea	ea	PROPN
fsr-3162	490	3	n	n	PROPN
fsr-3162	490	4	.	.	PUNCT
fsr-3162	491	1	m	m	VERB
fsr-3162	491	2	ea	ea	NOUN
fsr-3162	491	3	n	n	PROPN
fsr-3162	491	4	.	.	PUNCT
fsr-3162	492	1	m	m	VERB
fsr-3162	492	2	ea	ea	NOUN
fsr-3162	492	3	n	n	PROPN
fsr-3162	492	4	.	.	PUNCT
fsr-3162	493	1	m	m	VERB
fsr-3162	493	2	ea	ea	NOUN
fsr-3162	493	3	n	n	PROPN
fsr-3162	493	4	.	.	PUNCT
fsr-3162	494	1	m	m	VERB
fsr-3162	494	2	ea	ea	NOUN
fsr-3162	494	3	n	n	PROPN
fsr-3162	494	4	.	.	PUNCT
fsr-3162	495	1	m	m	VERB
fsr-3162	495	2	ea	ea	NOUN
fsr-3162	495	3	n	n	PROPN
fsr-3162	495	4	.	.	PUNCT
fsr-3162	496	1	m	m	VERB
fsr-3162	496	2	ea	ea	NOUN
fsr-3162	496	3	n	n	PROPN
fsr-3162	496	4	.	.	PUNCT
fsr-3162	497	1	m	m	AUX
fsr-3162	497	2	at	at	ADP
fsr-3162	497	3	ch	ch	PROPN
fsr-3162	497	4	ed	ed	PROPN
fsr-3162	497	5	co	co	PROPN
fsr-3162	497	6	n	n	PROPN
fsr-3162	497	7	tr	tr	NOUN
fsr-3162	497	8	o	o	PROPN
fsr-3162	497	9	l	l	NOUN
fsr-3162	497	10	g	g	NOUN
fsr-3162	497	11	ro	ro	PROPN
fsr-3162	497	12	u	u	PROPN
fsr-3162	497	13	p	p	PROPN
fsr-3162	497	14	3	3	NUM
fsr-3162	497	15	.8	.8	PROPN
fsr-3162	497	16	9	9	NUM
fsr-3162	497	17	0	0	NUM
fsr-3162	497	18	4	4	NUM
fsr-3162	497	19	.4	.4	NUM
fsr-3162	497	20	3	3	NUM
fsr-3162	497	21	8	8	NUM
fsr-3162	497	22	3	3	NUM
fsr-3162	497	23	.6	.6	NUM
fsr-3162	497	24	4	4	NUM
fsr-3162	497	25	0	0	NUM
fsr-3162	497	26	0	0	NUM
fsr-3162	497	27	.5	.5	NUM
fsr-3162	497	28	9	9	NUM
fsr-3162	497	29	8	8	NUM
fsr-3162	497	30	0	0	NUM
fsr-3162	498	1	.4	.4	NUM
fsr-3162	498	2	1	1	NUM
fsr-3162	498	3	3	3	NUM
fsr-3162	498	4	4	4	NUM
fsr-3162	498	5	0	0	NUM
fsr-3162	498	6	.3	.3	NUM
fsr-3162	498	7	6	6	NUM
fsr-3162	498	8	7	7	NUM
fsr-3162	498	9	0	0	NUM
fsr-3162	498	10	.2	.2	NUM
fsr-3162	498	11	6	6	NUM
fsr-3162	498	12	3	3	NUM
fsr-3162	498	13	f	f	NOUN
fsr-3162	498	14	in	in	ADV
fsr-3162	498	15	.	.	PUNCT
fsr-3162	499	1	ed	ed	NOUN
fsr-3162	499	2	u	u	INTJ
fsr-3162	499	3	ca	can	AUX
fsr-3162	499	4	ti	ti	NOUN
fsr-3162	499	5	o	o	NOUN
fsr-3162	499	6	n	n	CCONJ
fsr-3162	499	7	g	g	NOUN
fsr-3162	499	8	ro	ro	X
fsr-3162	499	9	u	u	PROPN
fsr-3162	499	10	p	p	PROPN
fsr-3162	499	11	3	3	NUM
fsr-3162	499	12	.9	.9	NUM
fsr-3162	499	13	6	6	NUM
fsr-3162	499	14	3	3	NUM
fsr-3162	499	15	4	4	NUM
fsr-3162	499	16	.3	.3	NUM
fsr-3162	499	17	3	3	NUM
fsr-3162	499	18	5	5	NUM
fsr-3162	499	19	3	3	NUM
fsr-3162	499	20	.7	.7	NUM
fsr-3162	499	21	6	6	NUM
fsr-3162	499	22	8	8	NUM
fsr-3162	499	23	0	0	NUM
fsr-3162	500	1	.6	.6	NUM
fsr-3162	500	2	2	2	NUM
fsr-3162	500	3	0	0	NUM
fsr-3162	500	4	0	0	NUM
fsr-3162	500	5	.5	.5	NUM
fsr-3162	501	1	6	6	NUM
fsr-3162	501	2	9	9	NUM
fsr-3162	501	3	5	5	NUM
fsr-3162	501	4	0	0	NUM
fsr-3162	501	5	.5	.5	NUM
fsr-3162	501	6	0	0	NUM
fsr-3162	502	1	3	3	NUM
fsr-3162	502	2	0	0	NUM
fsr-3162	502	3	.3	.3	NUM
fsr-3162	502	4	4	4	NUM
fsr-3162	502	5	9	9	NUM
fsr-3162	502	6	p	p	NOUN
fsr-3162	502	7	-v	-v	PUNCT
fsr-3162	502	8	al	al	PROPN
fsr-3162	502	9	u	u	NOUN
fsr-3162	502	10	e	e	NOUN
fsr-3162	502	11	fo	fo	INTJ
fsr-3162	502	12	r	r	NOUN
fsr-3162	502	13	t	t	PROPN
fsr-3162	502	14	te	te	PROPN
fsr-3162	502	15	st	st	PROPN
fsr-3162	502	16	o	o	X
fsr-3162	502	17	f	f	PROPN
fsr-3162	503	1	d	d	NOUN
fsr-3162	503	2	if	if	SCONJ
fsr-3162	503	3	fe	fe	X
fsr-3162	503	4	re	re	X
fsr-3162	503	5	n	n	X
fsr-3162	503	6	ce	ce	PROPN
fsr-3162	503	7	0	0	PROPN
fsr-3162	503	8	.1	.1	NUM
fsr-3162	503	9	4	4	NUM
fsr-3162	503	10	1	1	NUM
fsr-3162	503	11	0	0	NUM
fsr-3162	503	12	.0	.0	NUM
fsr-3162	503	13	2	2	NUM
fsr-3162	503	14	3	3	NUM
fsr-3162	503	15	0	0	NUM
fsr-3162	503	16	.0	.0	NUM
fsr-3162	503	17	1	1	NUM
fsr-3162	503	18	1	1	NUM
fsr-3162	503	19	0	0	NUM
fsr-3162	503	20	.3	.3	NUM
fsr-3162	503	21	6	6	NUM
fsr-3162	503	22	3	3	NUM
fsr-3162	503	23	0	0	NUM
fsr-3162	503	24	.0	.0	NUM
fsr-3162	503	25	0	0	NUM
fsr-3162	503	26	0	0	NUM
fsr-3162	503	27	0	0	NUM
fsr-3162	503	28	.0	.0	NUM
fsr-3162	503	29	0	0	NUM
fsr-3162	503	30	0	0	NUM
fsr-3162	503	31	0	0	NUM
fsr-3162	504	1	.0	.0	NUM
fsr-3162	504	2	0	0	NUM
fsr-3162	504	3	4	4	NUM
fsr-3162	504	4	o	o	NOUN
fsr-3162	504	5	rd	rd	NOUN
fsr-3162	504	6	er	er	INTJ
fsr-3162	504	7	ed	ed	NOUN
fsr-3162	504	8	p	p	PROPN
fsr-3162	504	9	ro	ro	PROPN
fsr-3162	505	1	b	b	X
fsr-3162	506	1	it	it	PRON
fsr-3162	507	1	o	o	INTJ
fsr-3162	507	2	rd	rd	NOUN
fsr-3162	507	3	er	er	INTJ
fsr-3162	507	4	ed	ed	NOUN
fsr-3162	507	5	p	p	PROPN
fsr-3162	507	6	ro	ro	PROPN
fsr-3162	508	1	b	b	X
fsr-3162	508	2	it	it	PRON
fsr-3162	508	3	o	o	INTJ
fsr-3162	508	4	rd	rd	NOUN
fsr-3162	509	1	er	er	INTJ
fsr-3162	509	2	ed	ed	NOUN
fsr-3162	510	1	p	p	PROPN
fsr-3162	510	2	ro	ro	PROPN
fsr-3162	510	3	b	b	X
fsr-3162	510	4	it	it	PRON
fsr-3162	510	5	p	p	X
fsr-3162	510	6	ro	ro	INTJ
fsr-3162	511	1	b	b	X
fsr-3162	511	2	it	it	PRON
fsr-3162	511	3	p	p	X
fsr-3162	511	4	ro	ro	INTJ
fsr-3162	512	1	b	b	X
fsr-3162	512	2	it	it	PRON
fsr-3162	512	3	p	p	X
fsr-3162	512	4	ro	ro	INTJ
fsr-3162	513	1	b	b	NOUN
fsr-3162	513	2	it	it	PRON
fsr-3162	513	3	a	a	DET
fsr-3162	513	4	m	m	NOUN
fsr-3162	513	5	e	e	NOUN
fsr-3162	513	6	p	p	NOUN
fsr-3162	513	7	a	a	DET
fsr-3162	513	8	m	m	NOUN
fsr-3162	513	9	e	e	NOUN
fsr-3162	513	10	p	p	NOUN
fsr-3162	513	11	a	a	DET
fsr-3162	513	12	m	m	NOUN
fsr-3162	513	13	e	e	NOUN
fsr-3162	513	14	p	p	NOUN
fsr-3162	513	15	a	a	DET
fsr-3162	513	16	m	m	NOUN
fsr-3162	513	17	e	e	NOUN
fsr-3162	513	18	p	p	NOUN
fsr-3162	513	19	a	a	DET
fsr-3162	513	20	m	m	NOUN
fsr-3162	513	21	e	e	NOUN
fsr-3162	513	22	p	p	NOUN
fsr-3162	513	23	a	a	DET
fsr-3162	513	24	m	m	NOUN
fsr-3162	513	25	e	e	NOUN
fsr-3162	513	26	p	p	NOUN
fsr-3162	513	27	a	a	DET
fsr-3162	513	28	m	m	NOUN
fsr-3162	513	29	e	e	NOUN
fsr-3162	513	30	p	p	NOUN
fsr-3162	513	31	p	p	X
fsr-3162	513	32	re	re	ADP
fsr-3162	513	33	d	d	NOUN
fsr-3162	513	34	ic	ic	X
fsr-3162	513	35	te	te	PROPN
fsr-3162	513	36	d	d	X
fsr-3162	513	37	p	p	X
fsr-3162	513	38	ro	ro	PROPN
fsr-3162	513	39	b	b	PROPN
fsr-3162	513	40	ab	ab	PROPN
fsr-3162	513	41	il	il	PROPN
fsr-3162	514	1	it	it	PRON
fsr-3162	514	2	y	y	PROPN
fsr-3162	514	3	s	s	VERB
fsr-3162	514	4	tr	tr	NOUN
fsr-3162	514	5	o	o	NOUN
fsr-3162	514	6	n	n	PRON
fsr-3162	514	7	g	g	NOUN
fsr-3162	514	8	ly	ly	X
fsr-3162	514	9	ag	ag	PROPN
fsr-3162	514	10	re	re	ADP
fsr-3162	514	11	e	e	PROPN
fsr-3162	514	12	0	0	PROPN
fsr-3162	514	13	.0	.0	NUM
fsr-3162	514	14	3	3	NUM
fsr-3162	514	15	2	2	NUM
fsr-3162	514	16	.0	.0	NUM
fsr-3162	514	17	9	9	NUM
fsr-3162	514	18	7	7	NUM
fsr-3162	514	19	�	�	NOUN
fsr-3162	514	20	0	0	NUM
fsr-3162	514	21	.0	.0	NUM
fsr-3162	514	22	2	2	NUM
fsr-3162	514	23	9	9	NUM
fsr-3162	514	24	.1	.1	NUM
fsr-3162	514	25	6	6	NUM
fsr-3162	514	26	0	0	NUM
fsr-3162	514	27	0	0	NUM
fsr-3162	514	28	.0	.0	NUM
fsr-3162	514	29	4	4	NUM
fsr-3162	514	30	5	5	NUM
fsr-3162	514	31	.0	.0	NUM
fsr-3162	514	32	0	0	NUM
fsr-3162	514	33	5	5	NUM
fsr-3162	514	34	f	f	NOUN
fsr-3162	514	35	in	in	ADV
fsr-3162	514	36	.	.	PUNCT
fsr-3162	515	1	ed	ed	NOUN
fsr-3162	515	2	u	u	INTJ
fsr-3162	515	3	ca	can	AUX
fsr-3162	515	4	ti	ti	NOUN
fsr-3162	515	5	o	o	NOUN
fsr-3162	515	6	n	n	PROPN
fsr-3162	515	7	d	d	X
fsr-3162	515	8	u	u	X
fsr-3162	515	9	m	m	NOUN
fsr-3162	515	10	m	m	VERB
fsr-3162	515	11	y	y	ADJ
fsr-3162	515	12	0	0	NUM
fsr-3162	515	13	.0	.0	NUM
fsr-3162	515	14	2	2	NUM
fsr-3162	515	15	8	8	NUM
fsr-3162	515	16	.1	.1	NUM
fsr-3162	515	17	9	9	NUM
fsr-3162	515	18	1	1	NUM
fsr-3162	515	19	0	0	NUM
fsr-3162	515	20	.1	.1	NUM
fsr-3162	515	21	5	5	NUM
fsr-3162	515	22	5	5	NUM
fsr-3162	515	23	.0	.0	NUM
fsr-3162	515	24	0	0	NUM
fsr-3162	515	25	0	0	NUM
fsr-3162	515	26	0	0	NUM
fsr-3162	515	27	.1	.1	NUM
fsr-3162	515	28	3	3	NUM
fsr-3162	515	29	2	2	NUM
fsr-3162	515	30	.0	.0	NUM
fsr-3162	515	31	0	0	NUM
fsr-3162	515	32	0	0	NUM
fsr-3162	515	33	0	0	NUM
fsr-3162	515	34	.0	.0	NUM
fsr-3162	515	35	9	9	NUM
fsr-3162	515	36	2	2	NUM
fsr-3162	515	37	.0	.0	NUM
fsr-3162	515	38	0	0	NUM
fsr-3162	515	39	0	0	NUM
fsr-3162	516	1	c	c	NOUN
fsr-3162	516	2	o	o	NOUN
fsr-3162	516	3	n	n	PRON
fsr-3162	516	4	tr	tr	NOUN
fsr-3162	516	5	o	o	PROPN
fsr-3162	516	6	ls	ls	INTJ
fsr-3162	516	7	y	y	PROPN
fsr-3162	516	8	es	es	ADP
fsr-3162	516	9	y	y	PROPN
fsr-3162	516	10	es	es	VERB
fsr-3162	516	11	y	y	PROPN
fsr-3162	516	12	es	es	ADP
fsr-3162	516	13	y	y	PROPN
fsr-3162	516	14	es	es	ADP
fsr-3162	516	15	y	y	PROPN
fsr-3162	516	16	es	es	ADP
fsr-3162	516	17	y	y	PROPN
fsr-3162	516	18	es	es	X
fsr-3162	516	19	y	y	PROPN
fsr-3162	516	20	es	es	NOUN
fsr-3162	516	21	n	n	INTJ
fsr-3162	516	22	o	o	NOUN
fsr-3162	516	23	.	.	PUNCT
fsr-3162	517	1	1	1	NUM
fsr-3162	517	2	6	6	NUM
fsr-3162	517	3	4	4	NUM
fsr-3162	517	4	0	0	NUM
fsr-3162	517	5	—	—	PUNCT
fsr-3162	517	6	1	1	NUM
fsr-3162	517	7	6	6	NUM
fsr-3162	517	8	4	4	NUM
fsr-3162	517	9	0	0	NUM
fsr-3162	517	10	—	—	PUNCT
fsr-3162	517	11	1	1	NUM
fsr-3162	517	12	6	6	NUM
fsr-3162	517	13	4	4	NUM
fsr-3162	517	14	0	0	NUM
fsr-3162	517	15	—	—	PUNCT
fsr-3162	517	16	1	1	NUM
fsr-3162	517	17	6	6	NUM
fsr-3162	517	18	4	4	NUM
fsr-3162	517	19	0	0	NUM
fsr-3162	517	20	—	—	PUNCT
fsr-3162	517	21	1	1	NUM
fsr-3162	517	22	6	6	NUM
fsr-3162	517	23	4	4	NUM
fsr-3162	517	24	0	0	NUM
fsr-3162	517	25	9	9	NUM
fsr-3162	517	26	5	5	NUM
fsr-3162	517	27	2	2	NUM
fsr-3162	517	28	—	—	PUNCT
fsr-3162	517	29	9	9	NUM
fsr-3162	517	30	5	5	NUM
fsr-3162	517	31	2	2	NUM
fsr-3162	517	32	—	—	PUNCT
fsr-3162	517	33	w	w	PROPN
fsr-3162	517	34	al	al	PROPN
fsr-3162	517	35	d	d	PROPN
fsr-3162	517	36	x	x	SYM
fsr-3162	517	37	2	2	NUM
fsr-3162	517	38	4	4	NUM
fsr-3162	517	39	7	7	NUM
fsr-3162	517	40	.0	.0	NUM
fsr-3162	517	41	.0	.0	NUM
fsr-3162	517	42	0	0	NUM
fsr-3162	517	43	1	1	NUM
fsr-3162	517	44	1	1	NUM
fsr-3162	517	45	9	9	NUM
fsr-3162	517	46	8	8	NUM
fsr-3162	517	47	.7	.7	NUM
fsr-3162	517	48	.0	.0	NUM
fsr-3162	517	49	0	0	NUM
fsr-3162	517	50	0	0	NUM
fsr-3162	517	51	1	1	NUM
fsr-3162	517	52	0	0	NUM
fsr-3162	517	53	4	4	NUM
fsr-3162	517	54	.2	.2	NUM
fsr-3162	517	55	.0	.0	NUM
fsr-3162	517	56	0	0	NUM
fsr-3162	517	57	0	0	NUM
fsr-3162	517	58	3	3	NUM
fsr-3162	517	59	5	5	NUM
fsr-3162	517	60	1	1	NUM
fsr-3162	517	61	.0	.0	NUM
fsr-3162	517	62	.0	.0	NUM
fsr-3162	517	63	0	0	NUM
fsr-3162	517	64	0	0	NUM
fsr-3162	517	65	2	2	NUM
fsr-3162	517	66	6	6	NUM
fsr-3162	517	67	9	9	NUM
fsr-3162	517	68	.5	.5	NUM
fsr-3162	518	1	.0	.0	NUM
fsr-3162	518	2	0	0	NUM
fsr-3162	518	3	0	0	NUM
fsr-3162	518	4	1	1	NUM
fsr-3162	518	5	4	4	NUM
fsr-3162	518	6	5	5	NUM
fsr-3162	518	7	.1	.1	NUM
fsr-3162	518	8	.0	.0	NUM
fsr-3162	518	9	0	0	NUM
fsr-3162	518	10	0	0	NUM
fsr-3162	518	11	2	2	NUM
fsr-3162	518	12	2	2	NUM
fsr-3162	518	13	0	0	NUM
fsr-3162	518	14	.3	.3	NUM
fsr-3162	518	15	.0	.0	NUM
fsr-3162	518	16	0	0	NUM
fsr-3162	518	17	0	0	NUM
fsr-3162	518	18	p	p	NOUN
fsr-3162	518	19	se	se	X
fsr-3162	518	20	u	u	PROPN
fsr-3162	519	1	d	d	X
fsr-3162	519	2	o	o	NOUN
fsr-3162	519	3	r	r	NOUN
fsr-3162	519	4	2	2	NUM
fsr-3162	519	5	0	0	NUM
fsr-3162	519	6	.0	.0	NUM
fsr-3162	519	7	1	1	NUM
fsr-3162	519	8	0	0	NUM
fsr-3162	519	9	—	—	PUNCT
fsr-3162	519	10	0	0	NUM
fsr-3162	519	11	.0	.0	NUM
fsr-3162	519	12	5	5	NUM
fsr-3162	519	13	6	6	NUM
fsr-3162	519	14	—	—	SYM
fsr-3162	519	15	0	0	NUM
fsr-3162	519	16	.0	.0	NUM
fsr-3162	519	17	2	2	NUM
fsr-3162	519	18	4	4	NUM
fsr-3162	519	19	—	—	PUNCT
fsr-3162	519	20	0	0	NUM
fsr-3162	519	21	.1	.1	NUM
fsr-3162	519	22	8	8	NUM
fsr-3162	519	23	1	1	NUM
fsr-3162	519	24	—	—	PUNCT
fsr-3162	519	25	0	0	NUM
fsr-3162	519	26	.1	.1	NUM
fsr-3162	519	27	5	5	NUM
fsr-3162	519	28	4	4	NUM
fsr-3162	519	29	0	0	NUM
fsr-3162	519	30	.1	.1	NUM
fsr-3162	519	31	2	2	NUM
fsr-3162	519	32	9	9	NUM
fsr-3162	519	33	—	—	PUNCT
fsr-3162	519	34	0	0	NUM
fsr-3162	520	1	.2	.2	NUM
fsr-3162	520	2	5	5	NUM
fsr-3162	520	3	3	3	NUM
fsr-3162	520	4	—	—	PUNCT
fsr-3162	520	5	n	n	NOUN
fsr-3162	520	6	o	o	INTJ
fsr-3162	520	7	te	te	INTJ
fsr-3162	520	8	.	.	PUNCT
fsr-3162	521	1	a	a	DET
fsr-3162	521	2	m	m	NOUN
fsr-3162	521	3	e	e	NOUN
fsr-3162	521	4	=	=	SYM
fsr-3162	521	5	av	av	PROPN
fsr-3162	521	6	er	er	INTJ
fsr-3162	521	7	ag	ag	PROPN
fsr-3162	521	8	e	e	PROPN
fsr-3162	521	9	m	m	PROPN
fsr-3162	521	10	ar	ar	PROPN
fsr-3162	521	11	g	g	PROPN
fsr-3162	521	12	in	in	ADP
fsr-3162	521	13	al	al	PROPN
fsr-3162	521	14	ef	ef	PROPN
fsr-3162	521	15	fe	fe	PROPN
fsr-3162	521	16	ct	ct	PROPN
fsr-3162	521	17	s.	s.	PROPN
fsr-3162	521	18	314	314	NUM
fsr-3162	521	19	t.-m	t.-m	NOUN
fsr-3162	521	20	.	.	PUNCT
fsr-3162	522	1	yeh	yeh	PROPN
fsr-3162	522	2	/	/	SYM
fsr-3162	522	3	financial	financial	ADJ
fsr-3162	522	4	services	service	NOUN
fsr-3162	522	5	review	review	VERB
fsr-3162	522	6	30	30	NUM
fsr-3162	522	7	(	(	PUNCT
fsr-3162	522	8	2022	2022	NUM
fsr-3162	522	9	)	)	PUNCT
fsr-3162	522	10	297–320	297–320	NUM
fsr-3162	522	11	4.5	4.5	NUM
fsr-3162	522	12	.	.	PUNCT
fsr-3162	523	1	subsample	subsample	ADJ
fsr-3162	523	2	test	test	NOUN
fsr-3162	523	3	results	result	VERB
fsr-3162	523	4	the	the	DET
fsr-3162	523	5	effect	effect	NOUN
fsr-3162	523	6	of	of	ADP
fsr-3162	523	7	financial	financial	ADJ
fsr-3162	523	8	education	education	NOUN
fsr-3162	523	9	may	may	AUX
fsr-3162	523	10	vary	vary	VERB
fsr-3162	523	11	according	accord	VERB
fsr-3162	523	12	to	to	ADP
fsr-3162	523	13	an	an	DET
fsr-3162	523	14	individual	individual	NOUN
fsr-3162	523	15	’s	’s	PART
fsr-3162	523	16	socioeconomic	socioeconomic	ADJ
fsr-3162	523	17	background	background	NOUN
fsr-3162	523	18	.	.	PUNCT
fsr-3162	524	1	following	follow	VERB
fsr-3162	524	2	wagner	wagner	PROPN
fsr-3162	524	3	and	and	CCONJ
fsr-3162	524	4	walstad	walstad	PROPN
fsr-3162	524	5	(	(	PUNCT
fsr-3162	524	6	2019	2019	NUM
fsr-3162	524	7	)	)	PUNCT
fsr-3162	524	8	,	,	PUNCT
fsr-3162	524	9	the	the	DET
fsr-3162	524	10	last	last	ADJ
fsr-3162	524	11	robustness	robustness	NOUN
fsr-3162	524	12	check	check	NOUN
fsr-3162	524	13	divides	divide	VERB
fsr-3162	524	14	the	the	DET
fsr-3162	524	15	sample	sample	NOUN
fsr-3162	524	16	into	into	ADP
fsr-3162	524	17	high	high	ADJ
fsr-3162	524	18	and	and	CCONJ
fsr-3162	524	19	low	low	ADJ
fsr-3162	524	20	groups	group	NOUN
fsr-3162	524	21	for	for	ADP
fsr-3162	524	22	two	two	NUM
fsr-3162	524	23	control	control	NOUN
fsr-3162	524	24	variables	variable	NOUN
fsr-3162	524	25	to	to	PART
fsr-3162	524	26	investigate	investigate	VERB
fsr-3162	524	27	whether	whether	SCONJ
fsr-3162	524	28	the	the	DET
fsr-3162	524	29	results	result	NOUN
fsr-3162	524	30	found	find	VERB
fsr-3162	524	31	until	until	ADP
fsr-3162	524	32	now	now	ADV
fsr-3162	524	33	still	still	ADV
fsr-3162	524	34	hold	hold	VERB
fsr-3162	524	35	for	for	ADP
fsr-3162	524	36	the	the	DET
fsr-3162	524	37	subsample	subsample	ADJ
fsr-3162	524	38	group	group	NOUN
fsr-3162	524	39	.	.	PUNCT
fsr-3162	525	1	the	the	DET
fsr-3162	525	2	sample	sample	NOUN
fsr-3162	525	3	is	be	AUX
fsr-3162	525	4	divided	divide	VERB
fsr-3162	525	5	by	by	ADP
fsr-3162	525	6	household	household	NOUN
fsr-3162	525	7	income	income	NOUN
fsr-3162	525	8	(	(	PUNCT
fsr-3162	525	9	below	below	ADP
fsr-3162	525	10	750	750	NUM
fsr-3162	525	11	million	million	NUM
fsr-3162	525	12	yen	yen	NOUN
fsr-3162	525	13	vs.	vs.	ADP
fsr-3162	525	14	above	above	ADV
fsr-3162	525	15	)	)	PUNCT
fsr-3162	525	16	and	and	CCONJ
fsr-3162	525	17	household	household	NOUN
fsr-3162	525	18	financial	financial	ADJ
fsr-3162	525	19	wealth	wealth	NOUN
fsr-3162	525	20	(	(	PUNCT
fsr-3162	525	21	below	below	ADP
fsr-3162	525	22	750	750	NUM
fsr-3162	525	23	million	million	NUM
fsr-3162	525	24	yen	yen	NOUN
fsr-3162	525	25	vs.	vs.	ADP
fsr-3162	525	26	above	above	ADV
fsr-3162	525	27	)	)	PUNCT
fsr-3162	525	28	.	.	PUNCT
fsr-3162	526	1	for	for	ADP
fsr-3162	526	2	each	each	DET
fsr-3162	526	3	subsample	subsample	ADJ
fsr-3162	526	4	group	group	NOUN
fsr-3162	526	5	,	,	PUNCT
fsr-3162	526	6	the	the	DET
fsr-3162	526	7	(	(	PUNCT
fsr-3162	526	8	ordered	order	VERB
fsr-3162	526	9	)	)	PUNCT
fsr-3162	526	10	probit	probit	NOUN
fsr-3162	526	11	regressions	regression	NOUN
fsr-3162	526	12	were	be	AUX
fsr-3162	526	13	performed	perform	VERB
fsr-3162	526	14	,	,	PUNCT
fsr-3162	526	15	as	as	SCONJ
fsr-3162	526	16	shown	show	VERB
fsr-3162	526	17	in	in	ADP
fsr-3162	526	18	tables	table	NOUN
fsr-3162	526	19	3	3	NUM
fsr-3162	526	20	and	and	CCONJ
fsr-3162	526	21	4	4	NUM
fsr-3162	526	22	.	.	PUNCT
fsr-3162	527	1	the	the	DET
fsr-3162	527	2	untabulated	untabulate	VERB
fsr-3162	527	3	results	result	NOUN
fsr-3162	527	4	remain	remain	VERB
fsr-3162	527	5	qualitatively	qualitatively	ADV
fsr-3162	527	6	similar	similar	ADJ
fsr-3162	527	7	to	to	ADP
fsr-3162	527	8	the	the	DET
fsr-3162	527	9	full	full	ADJ
fsr-3162	527	10	sample	sample	NOUN
fsr-3162	527	11	.	.	PUNCT
fsr-3162	528	1	5	5	X
fsr-3162	528	2	.	.	X
fsr-3162	528	3	discussion	discussion	NOUN
fsr-3162	528	4	analyzing	analyze	VERB
fsr-3162	528	5	a	a	DET
fsr-3162	528	6	representative	representative	ADJ
fsr-3162	528	7	sample	sample	NOUN
fsr-3162	528	8	of	of	ADP
fsr-3162	528	9	25,000	25,000	NUM
fsr-3162	528	10	japanese	japanese	ADJ
fsr-3162	528	11	individuals	individual	NOUN
fsr-3162	528	12	,	,	PUNCT
fsr-3162	528	13	the	the	DET
fsr-3162	528	14	empirical	empirical	ADJ
fsr-3162	528	15	studies	study	NOUN
fsr-3162	528	16	revealed	reveal	VERB
fsr-3162	528	17	that	that	SCONJ
fsr-3162	528	18	short	short	ADJ
fsr-3162	528	19	-	-	PUNCT
fsr-3162	528	20	term	term	NOUN
fsr-3162	528	21	financial	financial	ADJ
fsr-3162	528	22	behaviors	behavior	NOUN
fsr-3162	528	23	in	in	ADP
fsr-3162	528	24	adulthood	adulthood	NOUN
fsr-3162	528	25	are	be	AUX
fsr-3162	528	26	primarily	primarily	ADV
fsr-3162	528	27	related	relate	VERB
fsr-3162	528	28	to	to	ADP
fsr-3162	528	29	financial	financial	ADJ
fsr-3162	528	30	education	education	NOUN
fsr-3162	528	31	received	receive	VERB
fsr-3162	528	32	within	within	ADP
fsr-3162	528	33	the	the	DET
fsr-3162	528	34	family	family	NOUN
fsr-3162	528	35	.	.	PUNCT
fsr-3162	529	1	in	in	ADP
fsr-3162	529	2	contrast	contrast	NOUN
fsr-3162	529	3	,	,	PUNCT
fsr-3162	529	4	long	long	ADJ
fsr-3162	529	5	-	-	PUNCT
fsr-3162	529	6	term	term	NOUN
fsr-3162	529	7	financial	financial	ADJ
fsr-3162	529	8	behaviors	behavior	NOUN
fsr-3162	529	9	are	be	AUX
fsr-3162	529	10	related	relate	VERB
fsr-3162	529	11	to	to	ADP
fsr-3162	529	12	financial	financial	ADJ
fsr-3162	529	13	teaching	teaching	NOUN
fsr-3162	529	14	received	receive	VERB
fsr-3162	529	15	at	at	ADP
fsr-3162	529	16	school	school	NOUN
fsr-3162	529	17	or	or	CCONJ
fsr-3162	529	18	the	the	DET
fsr-3162	529	19	workplace	workplace	NOUN
fsr-3162	529	20	and	and	CCONJ
fsr-3162	529	21	,	,	PUNCT
fsr-3162	529	22	to	to	ADP
fsr-3162	529	23	a	a	DET
fsr-3162	529	24	lesser	less	ADJ
fsr-3162	529	25	extent	extent	NOUN
fsr-3162	529	26	,	,	PUNCT
fsr-3162	529	27	at	at	ADP
fsr-3162	529	28	home	home	NOUN
fsr-3162	529	29	.	.	PUNCT
fsr-3162	530	1	the	the	DET
fsr-3162	530	2	results	result	NOUN
fsr-3162	530	3	can	can	AUX
fsr-3162	530	4	be	be	AUX
fsr-3162	530	5	explained	explain	VERB
fsr-3162	530	6	using	use	VERB
fsr-3162	530	7	the	the	DET
fsr-3162	530	8	developmental	developmental	ADJ
fsr-3162	530	9	framework	framework	NOUN
fsr-3162	530	10	suggested	suggest	VERB
fsr-3162	530	11	by	by	ADP
fsr-3162	530	12	cfpb	cfpb	NOUN
fsr-3162	530	13	.	.	PUNCT
fsr-3162	531	1	it	it	PRON
fsr-3162	531	2	is	be	AUX
fsr-3162	531	3	plausible	plausible	ADJ
fsr-3162	531	4	that	that	SCONJ
fsr-3162	531	5	short	short	ADJ
fsr-3162	531	6	-	-	PUNCT
fsr-3162	531	7	term	term	NOUN
fsr-3162	531	8	financial	financial	ADJ
fsr-3162	531	9	behavior	behavior	NOUN
fsr-3162	531	10	is	be	AUX
fsr-3162	531	11	shaped	shape	VERB
fsr-3162	531	12	within	within	ADP
fsr-3162	531	13	the	the	DET
fsr-3162	531	14	family	family	NOUN
fsr-3162	531	15	as	as	SCONJ
fsr-3162	531	16	children	child	NOUN
fsr-3162	531	17	develop	develop	VERB
fsr-3162	531	18	sound	sound	ADJ
fsr-3162	531	19	financial	financial	ADJ
fsr-3162	531	20	values	value	NOUN
fsr-3162	531	21	and	and	CCONJ
fsr-3162	531	22	attitudes	attitude	NOUN
fsr-3162	531	23	from	from	ADP
fsr-3162	531	24	direct	direct	ADJ
fsr-3162	531	25	and	and	CCONJ
fsr-3162	531	26	indirect	indirect	ADJ
fsr-3162	531	27	socialization	socialization	NOUN
fsr-3162	531	28	with	with	ADP
fsr-3162	531	29	family	family	NOUN
fsr-3162	531	30	members	member	NOUN
fsr-3162	531	31	,	,	PUNCT
fsr-3162	531	32	particularly	particularly	ADV
fsr-3162	531	33	parents	parent	NOUN
fsr-3162	531	34	,	,	PUNCT
fsr-3162	531	35	leading	lead	VERB
fsr-3162	531	36	to	to	ADP
fsr-3162	531	37	behaviors	behavior	NOUN
fsr-3162	531	38	such	such	ADJ
fsr-3162	531	39	as	as	ADP
fsr-3162	531	40	paying	pay	VERB
fsr-3162	531	41	bills	bill	NOUN
fsr-3162	531	42	on	on	ADP
fsr-3162	531	43	time	time	NOUN
fsr-3162	531	44	.	.	PUNCT
fsr-3162	532	1	such	such	ADJ
fsr-3162	532	2	socialization	socialization	NOUN
fsr-3162	532	3	and	and	CCONJ
fsr-3162	532	4	experiences	experience	NOUN
fsr-3162	532	5	within	within	ADP
fsr-3162	532	6	the	the	DET
fsr-3162	532	7	family	family	NOUN
fsr-3162	532	8	can	can	AUX
fsr-3162	532	9	also	also	ADV
fsr-3162	532	10	strengthen	strengthen	VERB
fsr-3162	532	11	executive	executive	ADJ
fsr-3162	532	12	functions	function	NOUN
fsr-3162	532	13	,	,	PUNCT
fsr-3162	532	14	resulting	result	VERB
fsr-3162	532	15	in	in	ADP
fsr-3162	532	16	behaviors	behavior	NOUN
fsr-3162	532	17	such	such	ADJ
fsr-3162	532	18	as	as	ADP
fsr-3162	532	19	careful	careful	ADJ
fsr-3162	532	20	consideration	consideration	NOUN
fsr-3162	532	21	when	when	SCONJ
fsr-3162	532	22	making	make	VERB
fsr-3162	532	23	a	a	DET
fsr-3162	532	24	purchase	purchase	NOUN
fsr-3162	532	25	,	,	PUNCT
fsr-3162	532	26	delaying	delay	VERB
fsr-3162	532	27	gratification	gratification	NOUN
fsr-3162	532	28	,	,	PUNCT
fsr-3162	532	29	and	and	CCONJ
fsr-3162	532	30	closely	closely	ADV
fsr-3162	532	31	watching	watch	VERB
fsr-3162	532	32	one	one	NUM
fsr-3162	532	33	’s	’s	PART
fsr-3162	532	34	financial	financial	ADJ
fsr-3162	532	35	affairs	affair	NOUN
fsr-3162	532	36	.	.	PUNCT
fsr-3162	533	1	financial	financial	ADJ
fsr-3162	533	2	teaching	teaching	NOUN
fsr-3162	533	3	in	in	ADP
fsr-3162	533	4	the	the	DET
fsr-3162	533	5	family	family	NOUN
fsr-3162	533	6	is	be	AUX
fsr-3162	533	7	effective	effective	ADJ
fsr-3162	533	8	because	because	SCONJ
fsr-3162	533	9	parents	parent	NOUN
fsr-3162	533	10	can	can	AUX
fsr-3162	533	11	provide	provide	VERB
fsr-3162	533	12	timely	timely	ADJ
fsr-3162	533	13	negative	negative	ADJ
fsr-3162	533	14	feedback	feedback	NOUN
fsr-3162	533	15	or	or	CCONJ
fsr-3162	533	16	punishment	punishment	NOUN
fsr-3162	533	17	when	when	SCONJ
fsr-3162	533	18	children	child	NOUN
fsr-3162	533	19	deviate	deviate	VERB
fsr-3162	533	20	from	from	ADP
fsr-3162	533	21	these	these	DET
fsr-3162	533	22	practices	practice	NOUN
fsr-3162	533	23	.	.	PUNCT
fsr-3162	534	1	such	such	ADJ
fsr-3162	534	2	experiences	experience	NOUN
fsr-3162	534	3	can	can	AUX
fsr-3162	534	4	influence	influence	VERB
fsr-3162	534	5	one	one	NUM
fsr-3162	534	6	’s	’s	PART
fsr-3162	534	7	attitude	attitude	NOUN
fsr-3162	534	8	or	or	CCONJ
fsr-3162	534	9	behavior	behavior	NOUN
fsr-3162	534	10	when	when	SCONJ
fsr-3162	534	11	turning	turn	VERB
fsr-3162	534	12	into	into	ADP
fsr-3162	534	13	adulthood	adulthood	NOUN
fsr-3162	534	14	,	,	PUNCT
fsr-3162	534	15	as	as	SCONJ
fsr-3162	534	16	suggested	suggest	VERB
fsr-3162	534	17	by	by	ADP
fsr-3162	534	18	studies	study	NOUN
fsr-3162	534	19	by	by	ADP
fsr-3162	534	20	lusardi	lusardi	PROPN
fsr-3162	534	21	et	et	PROPN
fsr-3162	534	22	al	al	PROPN
fsr-3162	534	23	.	.	PROPN
fsr-3162	535	1	(	(	PUNCT
fsr-3162	535	2	2010	2010	NUM
fsr-3162	535	3	)	)	PUNCT
fsr-3162	535	4	and	and	CCONJ
fsr-3162	535	5	van	van	PROPN
fsr-3162	535	6	campenhout	campenhout	ADJ
fsr-3162	535	7	(	(	PUNCT
fsr-3162	535	8	2015	2015	NUM
fsr-3162	535	9	)	)	PUNCT
fsr-3162	535	10	.	.	PUNCT
fsr-3162	536	1	in	in	ADP
fsr-3162	536	2	contrast	contrast	NOUN
fsr-3162	536	3	,	,	PUNCT
fsr-3162	536	4	financial	financial	ADJ
fsr-3162	536	5	education	education	NOUN
fsr-3162	536	6	delivered	deliver	VERB
fsr-3162	536	7	at	at	ADP
fsr-3162	536	8	school	school	NOUN
fsr-3162	536	9	or	or	CCONJ
fsr-3162	536	10	the	the	DET
fsr-3162	536	11	workplace	workplace	NOUN
fsr-3162	536	12	may	may	AUX
fsr-3162	536	13	be	be	AUX
fsr-3162	536	14	,	,	PUNCT
fsr-3162	536	15	in	in	ADP
fsr-3162	536	16	general	general	ADJ
fsr-3162	536	17	,	,	PUNCT
fsr-3162	536	18	aimed	aim	VERB
fsr-3162	536	19	at	at	ADP
fsr-3162	536	20	improving	improve	VERB
fsr-3162	536	21	knowledge	knowledge	NOUN
fsr-3162	536	22	of	of	ADP
fsr-3162	536	23	personal	personal	ADJ
fsr-3162	536	24	finances	finance	NOUN
fsr-3162	536	25	and	and	CCONJ
fsr-3162	536	26	budgeting	budgeting	NOUN
fsr-3162	536	27	skills	skill	NOUN
fsr-3162	536	28	,	,	PUNCT
fsr-3162	536	29	which	which	PRON
fsr-3162	536	30	are	be	AUX
fsr-3162	536	31	an	an	DET
fsr-3162	536	32	instrument	instrument	NOUN
fsr-3162	536	33	in	in	ADP
fsr-3162	536	34	long	long	ADJ
fsr-3162	536	35	-	-	PUNCT
fsr-3162	536	36	term	term	NOUN
fsr-3162	536	37	financial	financial	ADJ
fsr-3162	536	38	behaviors	behavior	NOUN
fsr-3162	536	39	such	such	ADJ
fsr-3162	536	40	as	as	ADP
fsr-3162	536	41	retirement	retirement	NOUN
fsr-3162	536	42	planning	planning	NOUN
fsr-3162	536	43	and	and	CCONJ
fsr-3162	536	44	saving	saving	NOUN
fsr-3162	536	45	,	,	PUNCT
fsr-3162	536	46	and	and	CCONJ
fsr-3162	536	47	home	home	NOUN
fsr-3162	536	48	buying	buying	NOUN
fsr-3162	536	49	and	and	CCONJ
fsr-3162	536	50	homeownership	homeownership	NOUN
fsr-3162	536	51	(	(	PUNCT
fsr-3162	536	52	fox	fox	PROPN
fsr-3162	536	53	et	et	PROPN
fsr-3162	536	54	al	al	PROPN
fsr-3162	536	55	.	.	PROPN
fsr-3162	536	56	,	,	PUNCT
fsr-3162	536	57	2005	2005	NUM
fsr-3162	536	58	)	)	PUNCT
fsr-3162	536	59	.	.	PUNCT
fsr-3162	537	1	even	even	ADV
fsr-3162	537	2	if	if	SCONJ
fsr-3162	537	3	education	education	NOUN
fsr-3162	537	4	at	at	ADP
fsr-3162	537	5	school	school	NOUN
fsr-3162	537	6	or	or	CCONJ
fsr-3162	537	7	workplace	workplace	NOUN
fsr-3162	537	8	covers	cover	VERB
fsr-3162	537	9	short	short	ADJ
fsr-3162	537	10	-	-	PUNCT
fsr-3162	537	11	term	term	NOUN
fsr-3162	537	12	financial	financial	ADJ
fsr-3162	537	13	behaviors	behavior	NOUN
fsr-3162	537	14	,	,	PUNCT
fsr-3162	537	15	schoolteachers	schoolteacher	NOUN
fsr-3162	537	16	and	and	CCONJ
fsr-3162	537	17	instructors	instructor	NOUN
fsr-3162	537	18	may	may	AUX
fsr-3162	537	19	not	not	PART
fsr-3162	537	20	be	be	AUX
fsr-3162	537	21	able	able	ADJ
fsr-3162	537	22	to	to	PART
fsr-3162	537	23	provide	provide	VERB
fsr-3162	537	24	regular	regular	ADJ
fsr-3162	537	25	and	and	CCONJ
fsr-3162	537	26	immediate	immediate	ADJ
fsr-3162	537	27	feedback	feedback	NOUN
fsr-3162	537	28	,	,	PUNCT
fsr-3162	537	29	particularly	particularly	ADV
fsr-3162	537	30	if	if	SCONJ
fsr-3162	537	31	good	good	ADJ
fsr-3162	537	32	practices	practice	NOUN
fsr-3162	537	33	are	be	AUX
fsr-3162	537	34	not	not	PART
fsr-3162	537	35	followed	follow	VERB
fsr-3162	537	36	,	,	PUNCT
fsr-3162	537	37	as	as	SCONJ
fsr-3162	537	38	parents	parent	NOUN
fsr-3162	537	39	or	or	CCONJ
fsr-3162	537	40	family	family	NOUN
fsr-3162	537	41	members	member	NOUN
fsr-3162	537	42	do	do	VERB
fsr-3162	537	43	.	.	PUNCT
fsr-3162	538	1	the	the	DET
fsr-3162	538	2	results	result	NOUN
fsr-3162	538	3	are	be	AUX
fsr-3162	538	4	consistent	consistent	ADJ
fsr-3162	538	5	with	with	ADP
fsr-3162	538	6	those	those	PRON
fsr-3162	538	7	of	of	ADP
fsr-3162	538	8	wagner	wagner	PROPN
fsr-3162	538	9	and	and	CCONJ
fsr-3162	538	10	walstad	walstad	PROPN
fsr-3162	538	11	(	(	PUNCT
fsr-3162	538	12	2019	2019	NUM
fsr-3162	538	13	)	)	PUNCT
fsr-3162	538	14	and	and	CCONJ
fsr-3162	538	15	bayer	bayer	PROPN
fsr-3162	538	16	et	et	PROPN
fsr-3162	538	17	al	al	PROPN
fsr-3162	538	18	.	.	PROPN
fsr-3162	539	1	(	(	PUNCT
fsr-3162	539	2	2009	2009	NUM
fsr-3162	539	3	)	)	PUNCT
fsr-3162	539	4	.	.	PUNCT
fsr-3162	540	1	financial	financial	ADJ
fsr-3162	540	2	teaching	teaching	NOUN
fsr-3162	540	3	by	by	ADP
fsr-3162	540	4	parents	parent	NOUN
fsr-3162	540	5	can	can	AUX
fsr-3162	540	6	still	still	ADV
fsr-3162	540	7	contribute	contribute	VERB
fsr-3162	540	8	to	to	ADP
fsr-3162	540	9	long	long	ADJ
fsr-3162	540	10	-	-	PUNCT
fsr-3162	540	11	term	term	NOUN
fsr-3162	540	12	financial	financial	ADJ
fsr-3162	540	13	behaviors	behavior	NOUN
fsr-3162	540	14	but	but	CCONJ
fsr-3162	540	15	to	to	ADP
fsr-3162	540	16	a	a	DET
fsr-3162	540	17	lesser	less	ADJ
fsr-3162	540	18	extent	extent	NOUN
fsr-3162	540	19	than	than	ADP
fsr-3162	540	20	that	that	PRON
fsr-3162	540	21	at	at	ADP
fsr-3162	540	22	schools	school	NOUN
fsr-3162	540	23	or	or	CCONJ
fsr-3162	540	24	workplaces	workplace	NOUN
fsr-3162	540	25	.	.	PUNCT
fsr-3162	541	1	the	the	DET
fsr-3162	541	2	weaker	weak	ADJ
fsr-3162	541	3	association	association	NOUN
fsr-3162	541	4	may	may	AUX
fsr-3162	541	5	be	be	AUX
fsr-3162	541	6	due	due	ADJ
fsr-3162	541	7	to	to	ADP
fsr-3162	541	8	the	the	DET
fsr-3162	541	9	more	more	ADV
fsr-3162	541	10	complex	complex	ADJ
fsr-3162	541	11	tasks	task	NOUN
fsr-3162	541	12	and	and	CCONJ
fsr-3162	541	13	advanced	advanced	ADJ
fsr-3162	541	14	financial	financial	ADJ
fsr-3162	541	15	knowledge	knowledge	NOUN
fsr-3162	541	16	required	require	VERB
fsr-3162	541	17	for	for	ADP
fsr-3162	541	18	long	long	ADJ
fsr-3162	541	19	-	-	PUNCT
fsr-3162	541	20	term	term	NOUN
fsr-3162	541	21	planning	planning	NOUN
fsr-3162	541	22	,	,	PUNCT
fsr-3162	541	23	which	which	PRON
fsr-3162	541	24	is	be	AUX
fsr-3162	541	25	better	well	ADV
fsr-3162	541	26	served	serve	VERB
fsr-3162	541	27	by	by	ADP
fsr-3162	541	28	later	later	ADJ
fsr-3162	541	29	-	-	PUNCT
fsr-3162	541	30	stage	stage	NOUN
fsr-3162	541	31	financial	financial	ADJ
fsr-3162	541	32	education	education	NOUN
fsr-3162	541	33	in	in	ADP
fsr-3162	541	34	schools	school	NOUN
fsr-3162	541	35	or	or	CCONJ
fsr-3162	541	36	workplaces	workplace	NOUN
fsr-3162	541	37	.	.	PUNCT
fsr-3162	542	1	a	a	DET
fsr-3162	542	2	comparison	comparison	NOUN
fsr-3162	542	3	of	of	ADP
fsr-3162	542	4	japan	japan	PROPN
fsr-3162	542	5	and	and	CCONJ
fsr-3162	542	6	other	other	ADJ
fsr-3162	542	7	advanced	advanced	ADJ
fsr-3162	542	8	countries	country	NOUN
fsr-3162	542	9	can	can	AUX
fsr-3162	542	10	further	far	ADV
fsr-3162	542	11	shed	shed	VERB
fsr-3162	542	12	insights	insight	NOUN
fsr-3162	542	13	.	.	PUNCT
fsr-3162	543	1	in	in	ADP
fsr-3162	543	2	fact	fact	NOUN
fsr-3162	543	3	,	,	PUNCT
fsr-3162	543	4	japan	japan	PROPN
fsr-3162	543	5	reported	report	VERB
fsr-3162	543	6	lower	low	ADJ
fsr-3162	543	7	self	self	NOUN
fsr-3162	543	8	-	-	PUNCT
fsr-3162	543	9	reported	report	VERB
fsr-3162	543	10	parental	parental	ADJ
fsr-3162	543	11	and	and	CCONJ
fsr-3162	543	12	school	school	NOUN
fsr-3162	543	13	/	/	SYM
fsr-3162	543	14	workplace	workplace	NOUN
fsr-3162	543	15	financial	financial	ADJ
fsr-3162	543	16	education	education	NOUN
fsr-3162	543	17	responses	response	NOUN
fsr-3162	543	18	than	than	ADP
fsr-3162	543	19	the	the	DET
fsr-3162	543	20	united	united	PROPN
fsr-3162	543	21	states	states	PROPN
fsr-3162	543	22	and	and	CCONJ
fsr-3162	543	23	dutch	dutch	NOUN
fsr-3162	543	24	,	,	PUNCT
fsr-3162	543	25	where	where	SCONJ
fsr-3162	543	26	many	many	ADJ
fsr-3162	543	27	previous	previous	ADJ
fsr-3162	543	28	related	related	ADJ
fsr-3162	543	29	studies	study	NOUN
fsr-3162	543	30	are	be	AUX
fsr-3162	543	31	t.-m	t.-m	NOUN
fsr-3162	543	32	.	.	PUNCT
fsr-3162	544	1	yeh	yeh	PROPN
fsr-3162	544	2	/	/	SYM
fsr-3162	544	3	financial	financial	ADJ
fsr-3162	544	4	services	service	NOUN
fsr-3162	544	5	review	review	VERB
fsr-3162	544	6	30	30	NUM
fsr-3162	544	7	(	(	PUNCT
fsr-3162	544	8	2022	2022	NUM
fsr-3162	544	9	)	)	PUNCT
fsr-3162	544	10	297–320	297–320	NUM
fsr-3162	544	11	315	315	NUM
fsr-3162	544	12	available	available	ADJ
fsr-3162	544	13	.	.	PUNCT
fsr-3162	545	1	for	for	ADP
fsr-3162	545	2	example	example	NOUN
fsr-3162	545	3	,	,	PUNCT
fsr-3162	545	4	the	the	DET
fsr-3162	545	5	proportion	proportion	NOUN
fsr-3162	545	6	of	of	ADP
fsr-3162	545	7	dutch	dutch	NOUN
fsr-3162	545	8	who	who	PRON
fsr-3162	545	9	were	be	AUX
fsr-3162	545	10	taught	teach	VERB
fsr-3162	545	11	by	by	ADP
fsr-3162	545	12	their	their	PRON
fsr-3162	545	13	parents	parent	NOUN
fsr-3162	545	14	how	how	SCONJ
fsr-3162	545	15	to	to	PART
fsr-3162	545	16	manage	manage	VERB
fsr-3162	545	17	a	a	DET
fsr-3162	545	18	budget	budget	NOUN
fsr-3162	545	19	is	be	AUX
fsr-3162	545	20	77.4	77.4	NUM
fsr-3162	545	21	%	%	NOUN
fsr-3162	545	22	(	(	PUNCT
fsr-3162	545	23	out	out	ADP
fsr-3162	545	24	of	of	ADP
fsr-3162	545	25	2,676	2,676	NUM
fsr-3162	545	26	individuals	individual	NOUN
fsr-3162	545	27	)	)	PUNCT
fsr-3162	545	28	,	,	PUNCT
fsr-3162	545	29	as	as	SCONJ
fsr-3162	545	30	reported	report	VERB
fsr-3162	545	31	by	by	ADP
fsr-3162	545	32	sansone	sansone	PROPN
fsr-3162	545	33	et	et	PROPN
fsr-3162	545	34	al	al	PROPN
fsr-3162	545	35	.	.	PROPN
fsr-3162	546	1	(	(	PUNCT
fsr-3162	546	2	2019	2019	NUM
fsr-3162	546	3	)	)	PUNCT
fsr-3162	546	4	.	.	PUNCT
fsr-3162	547	1	it	it	PRON
fsr-3162	547	2	is	be	AUX
fsr-3162	547	3	higher	high	ADJ
fsr-3162	547	4	than	than	ADP
fsr-3162	547	5	the	the	DET
fsr-3162	547	6	17.8	17.8	NUM
fsr-3162	547	7	%	%	NOUN
fsr-3162	547	8	in	in	ADP
fsr-3162	547	9	japan	japan	PROPN
fsr-3162	547	10	(	(	PUNCT
fsr-3162	547	11	this	this	DET
fsr-3162	547	12	study	study	NOUN
fsr-3162	547	13	)	)	PUNCT
fsr-3162	547	14	.	.	PUNCT
fsr-3162	548	1	the	the	DET
fsr-3162	548	2	proportion	proportion	NOUN
fsr-3162	548	3	of	of	ADP
fsr-3162	548	4	the	the	DET
fsr-3162	548	5	u.s	u.s	PROPN
fsr-3162	548	6	.	.	PROPN
fsr-3162	548	7	sample	sample	NOUN
fsr-3162	548	8	reported	report	VERB
fsr-3162	548	9	by	by	ADP
fsr-3162	548	10	grinstein	grinstein	NOUN
fsr-3162	548	11	-	-	PUNCT
fsr-3162	548	12	weiss	weiss	NOUN
fsr-3162	548	13	et	et	PROPN
fsr-3162	548	14	al	al	PROPN
fsr-3162	548	15	.	.	PROPN
fsr-3162	548	16	(	(	PUNCT
fsr-3162	548	17	2011	2011	NUM
fsr-3162	548	18	)	)	PUNCT
fsr-3162	548	19	is	be	AUX
fsr-3162	548	20	about	about	ADV
fsr-3162	548	21	70	70	NUM
fsr-3162	548	22	%	%	NOUN
fsr-3162	548	23	(	(	PUNCT
fsr-3162	548	24	out	out	ADP
fsr-3162	548	25	of	of	ADP
fsr-3162	548	26	2,389	2,389	NUM
fsr-3162	548	27	individuals	individual	NOUN
fsr-3162	548	28	)	)	PUNCT
fsr-3162	548	29	.	.	PUNCT
fsr-3162	549	1	in	in	ADP
fsr-3162	549	2	addition	addition	NOUN
fsr-3162	549	3	,	,	PUNCT
fsr-3162	549	4	wagner	wagner	PROPN
fsr-3162	549	5	and	and	CCONJ
fsr-3162	549	6	walstad	walstad	PROPN
fsr-3162	549	7	(	(	PUNCT
fsr-3162	549	8	2019	2019	NUM
fsr-3162	549	9	)	)	PUNCT
fsr-3162	549	10	reported	report	VERB
fsr-3162	549	11	that	that	SCONJ
fsr-3162	549	12	23	23	NUM
fsr-3162	549	13	%	%	NOUN
fsr-3162	549	14	(	(	PUNCT
fsr-3162	549	15	out	out	ADP
fsr-3162	549	16	of	of	ADP
fsr-3162	549	17	24,729	24,729	NUM
fsr-3162	549	18	u.s	u.s	PROPN
fsr-3162	549	19	.	.	PROPN
fsr-3162	549	20	sample	sample	PROPN
fsr-3162	549	21	)	)	PUNCT
fsr-3162	549	22	receive	receive	VERB
fsr-3162	549	23	financial	financial	ADJ
fsr-3162	549	24	education	education	NOUN
fsr-3162	549	25	either	either	CCONJ
fsr-3162	549	26	at	at	ADP
fsr-3162	549	27	school	school	NOUN
fsr-3162	549	28	or	or	CCONJ
fsr-3162	549	29	workplace	workplace	NOUN
fsr-3162	549	30	,	,	PUNCT
fsr-3162	549	31	while	while	SCONJ
fsr-3162	549	32	the	the	DET
fsr-3162	549	33	proportion	proportion	NOUN
fsr-3162	549	34	in	in	ADP
fsr-3162	549	35	japan	japan	PROPN
fsr-3162	549	36	(	(	PUNCT
fsr-3162	549	37	this	this	DET
fsr-3162	549	38	study	study	NOUN
fsr-3162	549	39	)	)	PUNCT
fsr-3162	549	40	is	be	AUX
fsr-3162	549	41	no	no	DET
fsr-3162	549	42	more	more	ADJ
fsr-3162	549	43	than	than	ADP
fsr-3162	549	44	7	7	NUM
fsr-3162	549	45	%	%	NOUN
fsr-3162	549	46	.	.	PUNCT
fsr-3162	550	1	not	not	PART
fsr-3162	550	2	surprisingly	surprisingly	ADV
fsr-3162	550	3	,	,	PUNCT
fsr-3162	550	4	japanese	japanese	ADJ
fsr-3162	550	5	individuals	individual	NOUN
fsr-3162	550	6	also	also	ADV
fsr-3162	550	7	have	have	VERB
fsr-3162	550	8	lower	low	ADJ
fsr-3162	550	9	financial	financial	ADJ
fsr-3162	550	10	literacy	literacy	NOUN
fsr-3162	550	11	than	than	ADP
fsr-3162	550	12	other	other	ADJ
fsr-3162	550	13	developed	developed	ADJ
fsr-3162	550	14	countries	country	NOUN
fsr-3162	550	15	.	.	PUNCT
fsr-3162	551	1	for	for	ADP
fsr-3162	551	2	instance	instance	NOUN
fsr-3162	551	3	,	,	PUNCT
fsr-3162	551	4	for	for	ADP
fsr-3162	551	5	a	a	DET
fsr-3162	551	6	set	set	NOUN
fsr-3162	551	7	of	of	ADP
fsr-3162	551	8	comparable	comparable	ADJ
fsr-3162	551	9	financial	financial	ADJ
fsr-3162	551	10	literacy	literacy	NOUN
fsr-3162	551	11	questions	question	NOUN
fsr-3162	551	12	,	,	PUNCT
fsr-3162	551	13	japanese	japanese	ADJ
fsr-3162	551	14	respondents	respondent	NOUN
fsr-3162	551	15	reported	report	VERB
fsr-3162	551	16	a	a	DET
fsr-3162	551	17	correct	correct	ADJ
fsr-3162	551	18	rate	rate	NOUN
fsr-3162	551	19	of	of	ADP
fsr-3162	551	20	58	58	NUM
fsr-3162	551	21	%	%	NOUN
fsr-3162	551	22	,	,	PUNCT
fsr-3162	551	23	lower	low	ADJ
fsr-3162	551	24	than	than	ADP
fsr-3162	551	25	germany	germany	PROPN
fsr-3162	551	26	of	of	ADP
fsr-3162	551	27	67	67	NUM
fsr-3162	551	28	%	%	NOUN
fsr-3162	551	29	and	and	CCONJ
fsr-3162	551	30	the	the	DET
fsr-3162	551	31	united	united	PROPN
fsr-3162	551	32	states	states	PROPN
fsr-3162	551	33	of	of	ADP
fsr-3162	551	34	65	65	NUM
fsr-3162	551	35	%	%	NOUN
fsr-3162	551	36	(	(	PUNCT
fsr-3162	551	37	central	central	ADJ
fsr-3162	551	38	council	council	NOUN
fsr-3162	551	39	for	for	ADP
fsr-3162	551	40	financial	financial	ADJ
fsr-3162	551	41	services	service	NOUN
fsr-3162	551	42	information	information	NOUN
fsr-3162	551	43	,	,	PUNCT
fsr-3162	551	44	2016	2016	NUM
fsr-3162	551	45	)	)	PUNCT
fsr-3162	551	46	.	.	PUNCT
fsr-3162	552	1	furthermore	furthermore	ADV
fsr-3162	552	2	,	,	PUNCT
fsr-3162	552	3	compared	compare	VERB
fsr-3162	552	4	with	with	ADP
fsr-3162	552	5	other	other	ADJ
fsr-3162	552	6	developed	develop	VERB
fsr-3162	552	7	countries	country	NOUN
fsr-3162	552	8	,	,	PUNCT
fsr-3162	552	9	the	the	DET
fsr-3162	552	10	japanese	japanese	PROPN
fsr-3162	552	11	hold	hold	VERB
fsr-3162	552	12	a	a	DET
fsr-3162	552	13	lower	low	ADJ
fsr-3162	552	14	proportion	proportion	NOUN
fsr-3162	552	15	of	of	ADP
fsr-3162	552	16	stocks	stock	NOUN
fsr-3162	552	17	in	in	ADP
fsr-3162	552	18	their	their	PRON
fsr-3162	552	19	financial	financial	ADJ
fsr-3162	552	20	assets	asset	NOUN
fsr-3162	552	21	.	.	PUNCT
fsr-3162	553	1	according	accord	VERB
fsr-3162	553	2	to	to	ADP
fsr-3162	553	3	oecd	oecd	PROPN
fsr-3162	553	4	’s	’s	PART
fsr-3162	553	5	household	household	NOUN
fsr-3162	553	6	financial	financial	ADJ
fsr-3162	553	7	assets	asset	NOUN
fsr-3162	553	8	data	datum	NOUN
fsr-3162	553	9	,	,	PUNCT
fsr-3162	553	10	in	in	ADP
fsr-3162	553	11	2015	2015	NUM
fsr-3162	553	12	,	,	PUNCT
fsr-3162	553	13	among	among	ADP
fsr-3162	553	14	the	the	DET
fsr-3162	553	15	g7	g7	PROPN
fsr-3162	553	16	countries	country	NOUN
fsr-3162	553	17	,	,	PUNCT
fsr-3162	553	18	japanese	japanese	ADJ
fsr-3162	553	19	households	household	NOUN
fsr-3162	553	20	held	hold	VERB
fsr-3162	553	21	the	the	DET
fsr-3162	553	22	lowest	low	ADJ
fsr-3162	553	23	percentage	percentage	NOUN
fsr-3162	553	24	,	,	PUNCT
fsr-3162	553	25	at	at	ADP
fsr-3162	553	26	8.9	8.9	NUM
fsr-3162	553	27	%	%	NOUN
fsr-3162	553	28	,	,	PUNCT
fsr-3162	553	29	of	of	ADP
fsr-3162	553	30	shares	share	NOUN
fsr-3162	553	31	and	and	CCONJ
fsr-3162	553	32	other	other	ADJ
fsr-3162	553	33	equity	equity	NOUN
fsr-3162	553	34	in	in	ADP
fsr-3162	553	35	their	their	PRON
fsr-3162	553	36	financial	financial	ADJ
fsr-3162	553	37	assets	asset	NOUN
fsr-3162	553	38	,	,	PUNCT
fsr-3162	553	39	against	against	ADP
fsr-3162	553	40	30.3	30.3	NUM
fsr-3162	553	41	%	%	NOUN
fsr-3162	553	42	of	of	ADP
fsr-3162	553	43	the	the	DET
fsr-3162	553	44	united	united	PROPN
fsr-3162	553	45	states	states	PROPN
fsr-3162	553	46	,	,	PUNCT
fsr-3162	553	47	in	in	ADP
fsr-3162	553	48	terms	term	NOUN
fsr-3162	553	49	of	of	ADP
fsr-3162	553	50	20052015	20052015	NUM
fsr-3162	553	51	average.4	average.4	VERB
fsr-3162	553	52	the	the	DET
fsr-3162	553	53	situation	situation	NOUN
fsr-3162	553	54	of	of	ADP
fsr-3162	553	55	low	low	ADJ
fsr-3162	553	56	exposure	exposure	NOUN
fsr-3162	553	57	to	to	ADP
fsr-3162	553	58	financial	financial	ADJ
fsr-3162	553	59	education	education	NOUN
fsr-3162	553	60	in	in	ADP
fsr-3162	553	61	japan	japan	PROPN
fsr-3162	553	62	hardly	hardly	ADV
fsr-3162	553	63	changed	change	VERB
fsr-3162	553	64	.	.	PUNCT
fsr-3162	554	1	the	the	DET
fsr-3162	554	2	more	more	ADV
fsr-3162	554	3	recent	recent	ADJ
fsr-3162	554	4	japanese	japanese	ADJ
fsr-3162	554	5	financial	financial	ADJ
fsr-3162	554	6	literacy	literacy	NOUN
fsr-3162	554	7	survey	survey	NOUN
fsr-3162	554	8	results	result	NOUN
fsr-3162	554	9	done	do	VERB
fsr-3162	554	10	in	in	ADP
fsr-3162	554	11	the	the	DET
fsr-3162	554	12	year	year	NOUN
fsr-3162	554	13	2019	2019	NUM
fsr-3162	554	14	,	,	PUNCT
fsr-3162	554	15	published	publish	VERB
fsr-3162	554	16	recently	recently	ADV
fsr-3162	554	17	,	,	PUNCT
fsr-3162	554	18	compiled	compile	VERB
fsr-3162	554	19	that	that	SCONJ
fsr-3162	554	20	20.3	20.3	NUM
fsr-3162	554	21	%	%	NOUN
fsr-3162	554	22	received	receive	VERB
fsr-3162	554	23	parental	parental	ADJ
fsr-3162	554	24	teaching	teaching	NOUN
fsr-3162	554	25	,	,	PUNCT
fsr-3162	554	26	as	as	SCONJ
fsr-3162	554	27	compared	compare	VERB
fsr-3162	554	28	with	with	ADP
fsr-3162	554	29	19.8	19.8	NUM
fsr-3162	554	30	%	%	NOUN
fsr-3162	554	31	in	in	ADP
fsr-3162	554	32	the	the	DET
fsr-3162	554	33	2016	2016	NUM
fsr-3162	554	34	survey	survey	NOUN
fsr-3162	554	35	of	of	ADP
fsr-3162	554	36	this	this	DET
fsr-3162	554	37	study	study	NOUN
fsr-3162	554	38	,	,	PUNCT
fsr-3162	554	39	and	and	CCONJ
fsr-3162	554	40	8.9	8.9	NUM
fsr-3162	554	41	%	%	NOUN
fsr-3162	554	42	received	receive	VERB
fsr-3162	554	43	financial	financial	ADJ
fsr-3162	554	44	education	education	NOUN
fsr-3162	554	45	at	at	ADP
fsr-3162	554	46	the	the	DET
fsr-3162	554	47	workplace	workplace	NOUN
fsr-3162	554	48	/	/	SYM
fsr-3162	554	49	school	school	NOUN
fsr-3162	554	50	,	,	PUNCT
fsr-3162	554	51	as	as	SCONJ
fsr-3162	554	52	compared	compare	VERB
fsr-3162	554	53	with	with	ADP
fsr-3162	554	54	8.4	8.4	NUM
fsr-3162	554	55	%	%	NOUN
fsr-3162	554	56	in	in	ADP
fsr-3162	554	57	2016	2016	NUM
fsr-3162	554	58	(	(	PUNCT
fsr-3162	554	59	central	central	ADJ
fsr-3162	554	60	council	council	NOUN
fsr-3162	554	61	for	for	ADP
fsr-3162	554	62	financial	financial	ADJ
fsr-3162	554	63	services	service	NOUN
fsr-3162	554	64	information	information	NOUN
fsr-3162	554	65	,	,	PUNCT
fsr-3162	554	66	2019	2019	NUM
fsr-3162	554	67	)	)	PUNCT
fsr-3162	554	68	.	.	PUNCT
fsr-3162	555	1	one	one	NUM
fsr-3162	555	2	possible	possible	ADJ
fsr-3162	555	3	reason	reason	NOUN
fsr-3162	555	4	for	for	ADP
fsr-3162	555	5	low	low	ADJ
fsr-3162	555	6	financial	financial	ADJ
fsr-3162	555	7	literacy	literacy	NOUN
fsr-3162	555	8	and	and	CCONJ
fsr-3162	555	9	education	education	NOUN
fsr-3162	555	10	is	be	AUX
fsr-3162	555	11	the	the	DET
fsr-3162	555	12	life	life	NOUN
fsr-3162	555	13	-	-	PUNCT
fsr-3162	555	14	long	long	ADJ
fsr-3162	555	15	employment	employment	NOUN
fsr-3162	555	16	,	,	PUNCT
fsr-3162	555	17	which	which	PRON
fsr-3162	555	18	may	may	AUX
fsr-3162	555	19	be	be	AUX
fsr-3162	555	20	starting	start	VERB
fsr-3162	555	21	to	to	PART
fsr-3162	555	22	change	change	VERB
fsr-3162	555	23	somewhat	somewhat	ADV
fsr-3162	555	24	,	,	PUNCT
fsr-3162	555	25	but	but	CCONJ
fsr-3162	555	26	has	have	AUX
fsr-3162	555	27	remained	remain	VERB
fsr-3162	555	28	a	a	DET
fsr-3162	555	29	norm	norm	NOUN
fsr-3162	555	30	in	in	ADP
fsr-3162	555	31	the	the	DET
fsr-3162	555	32	past	past	ADJ
fsr-3162	555	33	decades	decade	NOUN
fsr-3162	555	34	.	.	PUNCT
fsr-3162	556	1	until	until	ADP
fsr-3162	556	2	recently	recently	ADV
fsr-3162	556	3	,	,	PUNCT
fsr-3162	556	4	employees	employee	NOUN
fsr-3162	556	5	have	have	AUX
fsr-3162	556	6	been	be	AUX
fsr-3162	556	7	automatically	automatically	ADV
fsr-3162	556	8	enrolled	enrol	VERB
fsr-3162	556	9	in	in	ADP
fsr-3162	556	10	a	a	DET
fsr-3162	556	11	defined	define	VERB
fsr-3162	556	12	-	-	PUNCT
fsr-3162	556	13	benefit	benefit	NOUN
fsr-3162	556	14	pension	pension	NOUN
fsr-3162	556	15	scheme	scheme	NOUN
fsr-3162	556	16	,	,	PUNCT
fsr-3162	556	17	under	under	ADP
fsr-3162	556	18	which	which	PRON
fsr-3162	556	19	they	they	PRON
fsr-3162	556	20	do	do	AUX
fsr-3162	556	21	not	not	PART
fsr-3162	556	22	need	need	VERB
fsr-3162	556	23	to	to	PART
fsr-3162	556	24	work	work	VERB
fsr-3162	556	25	out	out	ADP
fsr-3162	556	26	financial	financial	ADJ
fsr-3162	556	27	matters	matter	NOUN
fsr-3162	556	28	by	by	ADP
fsr-3162	556	29	themselves	themselves	PRON
fsr-3162	556	30	.	.	PUNCT
fsr-3162	557	1	only	only	ADV
fsr-3162	557	2	in	in	ADP
fsr-3162	557	3	the	the	DET
fsr-3162	557	4	recent	recent	ADJ
fsr-3162	557	5	decade	decade	NOUN
fsr-3162	557	6	have	have	VERB
fsr-3162	557	7	some	some	DET
fsr-3162	557	8	japanese	japanese	ADJ
fsr-3162	557	9	companies	company	NOUN
fsr-3162	557	10	started	start	VERB
fsr-3162	557	11	to	to	PART
fsr-3162	557	12	shift	shift	VERB
fsr-3162	557	13	to	to	ADP
fsr-3162	557	14	a	a	DET
fsr-3162	557	15	defined	define	VERB
fsr-3162	557	16	contribution	contribution	NOUN
fsr-3162	557	17	scheme	scheme	NOUN
fsr-3162	557	18	gradually	gradually	ADV
fsr-3162	557	19	.	.	PUNCT
fsr-3162	558	1	another	another	DET
fsr-3162	558	2	reason	reason	NOUN
fsr-3162	558	3	may	may	AUX
fsr-3162	558	4	be	be	AUX
fsr-3162	558	5	due	due	ADJ
fsr-3162	558	6	to	to	ADP
fsr-3162	558	7	the	the	DET
fsr-3162	558	8	limited	limited	ADJ
fsr-3162	558	9	coverage	coverage	NOUN
fsr-3162	558	10	and	and	CCONJ
fsr-3162	558	11	teaching	teaching	NOUN
fsr-3162	558	12	hours	hour	NOUN
fsr-3162	558	13	in	in	ADP
fsr-3162	558	14	the	the	DET
fsr-3162	558	15	japanese	japanese	ADJ
fsr-3162	558	16	school	school	NOUN
fsr-3162	558	17	curriculum	curriculum	NOUN
fsr-3162	558	18	,	,	PUNCT
fsr-3162	558	19	as	as	SCONJ
fsr-3162	558	20	described	describe	VERB
fsr-3162	558	21	in	in	ADP
fsr-3162	558	22	the	the	DET
fsr-3162	558	23	literature	literature	NOUN
fsr-3162	558	24	review	review	NOUN
fsr-3162	558	25	section	section	NOUN
fsr-3162	558	26	.	.	PUNCT
fsr-3162	559	1	given	give	VERB
fsr-3162	559	2	the	the	DET
fsr-3162	559	3	circumstances	circumstance	NOUN
fsr-3162	559	4	,	,	PUNCT
fsr-3162	559	5	it	it	PRON
fsr-3162	559	6	is	be	AUX
fsr-3162	559	7	imperative	imperative	ADJ
fsr-3162	559	8	to	to	PART
fsr-3162	559	9	strengthen	strengthen	VERB
fsr-3162	559	10	financial	financial	ADJ
fsr-3162	559	11	education	education	NOUN
fsr-3162	559	12	programs	program	NOUN
fsr-3162	559	13	targeted	target	VERB
fsr-3162	559	14	at	at	ADP
fsr-3162	559	15	parents	parent	NOUN
fsr-3162	559	16	,	,	PUNCT
fsr-3162	559	17	school	school	NOUN
fsr-3162	559	18	students	student	NOUN
fsr-3162	559	19	,	,	PUNCT
fsr-3162	559	20	and	and	CCONJ
fsr-3162	559	21	employees	employee	NOUN
fsr-3162	559	22	in	in	ADP
fsr-3162	559	23	japan	japan	PROPN
fsr-3162	559	24	.	.	PUNCT
fsr-3162	560	1	5.1	5.1	NUM
fsr-3162	560	2	.	.	PUNCT
fsr-3162	560	3	limitations	limitation	NOUN
fsr-3162	560	4	this	this	DET
fsr-3162	560	5	study	study	NOUN
fsr-3162	560	6	analyses	analyse	VERB
fsr-3162	560	7	self	self	NOUN
fsr-3162	560	8	-	-	PUNCT
fsr-3162	560	9	reported	report	VERB
fsr-3162	560	10	data	datum	NOUN
fsr-3162	560	11	from	from	ADP
fsr-3162	560	12	fls	fls	PROPN
fsr-3162	560	13	questionnaires	questionnaire	NOUN
fsr-3162	560	14	.	.	PUNCT
fsr-3162	561	1	since	since	SCONJ
fsr-3162	561	2	the	the	DET
fsr-3162	561	3	respondents	respondent	NOUN
fsr-3162	561	4	’	'	PUNCT
fsr-3162	561	5	financial	financial	ADJ
fsr-3162	561	6	education	education	NOUN
fsr-3162	561	7	experiences	experience	NOUN
fsr-3162	561	8	were	be	AUX
fsr-3162	561	9	not	not	PART
fsr-3162	561	10	strictly	strictly	ADV
fsr-3162	561	11	assigned	assign	VERB
fsr-3162	561	12	in	in	ADP
fsr-3162	561	13	a	a	DET
fsr-3162	561	14	random	random	ADJ
fsr-3162	561	15	manner	manner	NOUN
fsr-3162	561	16	,	,	PUNCT
fsr-3162	561	17	it	it	PRON
fsr-3162	561	18	is	be	AUX
fsr-3162	561	19	not	not	PART
fsr-3162	561	20	possible	possible	ADJ
fsr-3162	561	21	to	to	PART
fsr-3162	561	22	claim	claim	VERB
fsr-3162	561	23	a	a	DET
fsr-3162	561	24	rigorously	rigorously	ADV
fsr-3162	561	25	causal	causal	ADJ
fsr-3162	561	26	relationship	relationship	NOUN
fsr-3162	561	27	.	.	PUNCT
fsr-3162	562	1	i	i	PRON
fsr-3162	562	2	used	use	VERB
fsr-3162	562	3	the	the	DET
fsr-3162	562	4	iv	iv	NOUN
fsr-3162	562	5	and	and	CCONJ
fsr-3162	562	6	matching	matching	NOUN
fsr-3162	562	7	method	method	NOUN
fsr-3162	562	8	to	to	PART
fsr-3162	562	9	address	address	VERB
fsr-3162	562	10	this	this	DET
fsr-3162	562	11	concern	concern	NOUN
fsr-3162	562	12	,	,	PUNCT
fsr-3162	562	13	but	but	CCONJ
fsr-3162	562	14	they	they	PRON
fsr-3162	562	15	may	may	AUX
fsr-3162	562	16	not	not	PART
fsr-3162	562	17	completely	completely	ADV
fsr-3162	562	18	solve	solve	VERB
fsr-3162	562	19	the	the	DET
fsr-3162	562	20	endogeneity	endogeneity	NOUN
fsr-3162	562	21	issue	issue	NOUN
fsr-3162	562	22	.	.	PUNCT
fsr-3162	563	1	however	however	ADV
fsr-3162	563	2	,	,	PUNCT
fsr-3162	563	3	even	even	ADV
fsr-3162	563	4	if	if	SCONJ
fsr-3162	563	5	endogeneity	endogeneity	NOUN
fsr-3162	563	6	might	might	AUX
fsr-3162	563	7	explain	explain	VERB
fsr-3162	563	8	the	the	DET
fsr-3162	563	9	positive	positive	ADJ
fsr-3162	563	10	association	association	NOUN
fsr-3162	563	11	between	between	ADP
fsr-3162	563	12	financial	financial	ADJ
fsr-3162	563	13	education	education	NOUN
fsr-3162	563	14	and	and	CCONJ
fsr-3162	563	15	financial	financial	ADJ
fsr-3162	563	16	behaviors	behavior	NOUN
fsr-3162	563	17	,	,	PUNCT
fsr-3162	563	18	it	it	PRON
fsr-3162	563	19	seems	seem	VERB
fsr-3162	563	20	less	less	ADV
fsr-3162	563	21	plausible	plausible	ADJ
fsr-3162	563	22	as	as	ADP
fsr-3162	563	23	an	an	DET
fsr-3162	563	24	explanation	explanation	NOUN
fsr-3162	563	25	for	for	ADP
fsr-3162	563	26	the	the	DET
fsr-3162	563	27	largely	largely	ADV
fsr-3162	563	28	insignificant	insignificant	ADJ
fsr-3162	563	29	effects	effect	NOUN
fsr-3162	563	30	of	of	ADP
fsr-3162	563	31	financial	financial	ADJ
fsr-3162	563	32	education	education	NOUN
fsr-3162	563	33	at	at	ADP
fsr-3162	563	34	school	school	NOUN
fsr-3162	563	35	/	/	SYM
fsr-3162	563	36	workplace	workplace	NOUN
fsr-3162	563	37	on	on	ADP
fsr-3162	563	38	short	short	ADJ
fsr-3162	563	39	-	-	PUNCT
fsr-3162	563	40	term	term	NOUN
fsr-3162	563	41	financial	financial	ADJ
fsr-3162	563	42	behaviors	behavior	NOUN
fsr-3162	563	43	.	.	PUNCT
fsr-3162	564	1	nonetheless	nonetheless	ADV
fsr-3162	564	2	,	,	PUNCT
fsr-3162	564	3	i	i	PRON
fsr-3162	564	4	used	use	VERB
fsr-3162	564	5	more	more	ADJ
fsr-3162	564	6	cautionary	cautionary	ADJ
fsr-3162	564	7	wording	wording	NOUN
fsr-3162	564	8	when	when	SCONJ
fsr-3162	564	9	describing	describe	VERB
fsr-3162	564	10	the	the	DET
fsr-3162	564	11	results	result	NOUN
fsr-3162	564	12	.	.	PUNCT
fsr-3162	565	1	omitted	omit	VERB
fsr-3162	565	2	variable	variable	ADJ
fsr-3162	565	3	problems	problem	NOUN
fsr-3162	565	4	may	may	AUX
fsr-3162	565	5	also	also	ADV
fsr-3162	565	6	exist	exist	VERB
fsr-3162	565	7	.	.	PUNCT
fsr-3162	566	1	although	although	SCONJ
fsr-3162	566	2	parental	parental	ADJ
fsr-3162	566	3	advising	advising	NOUN
fsr-3162	566	4	is	be	AUX
fsr-3162	566	5	out	out	ADP
fsr-3162	566	6	of	of	ADP
fsr-3162	566	7	the	the	DET
fsr-3162	566	8	control	control	NOUN
fsr-3162	566	9	of	of	ADP
fsr-3162	566	10	the	the	DET
fsr-3162	566	11	children	child	NOUN
fsr-3162	566	12	,	,	PUNCT
fsr-3162	566	13	whether	whether	SCONJ
fsr-3162	566	14	parents	parent	NOUN
fsr-3162	566	15	provide	provide	VERB
fsr-3162	566	16	financial	financial	ADJ
fsr-3162	566	17	teaching	teaching	NOUN
fsr-3162	566	18	may	may	AUX
fsr-3162	566	19	be	be	AUX
fsr-3162	566	20	related	relate	VERB
fsr-3162	566	21	to	to	ADP
fsr-3162	566	22	factors	factor	NOUN
fsr-3162	566	23	such	such	ADJ
fsr-3162	566	24	as	as	ADP
fsr-3162	566	25	316	316	NUM
fsr-3162	566	26	t.-m	t.-m	NOUN
fsr-3162	566	27	.	.	PUNCT
fsr-3162	567	1	yeh	yeh	PROPN
fsr-3162	567	2	/	/	SYM
fsr-3162	567	3	financial	financial	ADJ
fsr-3162	567	4	services	service	NOUN
fsr-3162	567	5	review	review	VERB
fsr-3162	567	6	30	30	NUM
fsr-3162	567	7	(	(	PUNCT
fsr-3162	567	8	2022	2022	NUM
fsr-3162	567	9	)	)	PUNCT
fsr-3162	567	10	297–320	297–320	NUM
fsr-3162	567	11	family	family	NOUN
fsr-3162	567	12	background	background	NOUN
fsr-3162	567	13	(	(	PUNCT
fsr-3162	567	14	tang	tang	NOUN
fsr-3162	567	15	et	et	PROPN
fsr-3162	567	16	al	al	PROPN
fsr-3162	567	17	.	.	PROPN
fsr-3162	567	18	,	,	PUNCT
fsr-3162	567	19	2015	2015	NUM
fsr-3162	567	20	)	)	PUNCT
fsr-3162	567	21	that	that	PRON
fsr-3162	567	22	might	might	AUX
fsr-3162	567	23	be	be	AUX
fsr-3162	567	24	associated	associate	VERB
fsr-3162	567	25	with	with	ADP
fsr-3162	567	26	the	the	DET
fsr-3162	567	27	children	child	NOUN
fsr-3162	567	28	’s	’s	PART
fsr-3162	567	29	financial	financial	ADJ
fsr-3162	567	30	behaviors	behavior	NOUN
fsr-3162	567	31	in	in	ADP
fsr-3162	567	32	their	their	PRON
fsr-3162	567	33	adulthood	adulthood	NOUN
fsr-3162	567	34	.	.	PUNCT
fsr-3162	568	1	empirical	empirical	ADJ
fsr-3162	568	2	tests	test	NOUN
fsr-3162	568	3	of	of	ADP
fsr-3162	568	4	this	this	DET
fsr-3162	568	5	study	study	NOUN
fsr-3162	568	6	can	can	AUX
fsr-3162	568	7	not	not	PART
fsr-3162	568	8	account	account	VERB
fsr-3162	568	9	for	for	ADP
fsr-3162	568	10	such	such	ADJ
fsr-3162	568	11	family	family	NOUN
fsr-3162	568	12	background	background	NOUN
fsr-3162	568	13	factors	factor	NOUN
fsr-3162	568	14	as	as	SCONJ
fsr-3162	568	15	the	the	DET
fsr-3162	568	16	survey	survey	NOUN
fsr-3162	568	17	do	do	AUX
fsr-3162	568	18	not	not	PART
fsr-3162	568	19	contain	contain	VERB
fsr-3162	568	20	such	such	ADJ
fsr-3162	568	21	information	information	NOUN
fsr-3162	568	22	.	.	PUNCT
fsr-3162	569	1	the	the	DET
fsr-3162	569	2	survey	survey	NOUN
fsr-3162	569	3	data	datum	NOUN
fsr-3162	569	4	used	use	VERB
fsr-3162	569	5	in	in	ADP
fsr-3162	569	6	this	this	DET
fsr-3162	569	7	study	study	NOUN
fsr-3162	569	8	may	may	AUX
fsr-3162	569	9	entail	entail	VERB
fsr-3162	569	10	recall	recall	NOUN
fsr-3162	569	11	error	error	NOUN
fsr-3162	569	12	,	,	PUNCT
fsr-3162	569	13	as	as	SCONJ
fsr-3162	569	14	respondents	respondent	NOUN
fsr-3162	569	15	were	be	AUX
fsr-3162	569	16	asked	ask	VERB
fsr-3162	569	17	to	to	PART
fsr-3162	569	18	recall	recall	VERB
fsr-3162	569	19	their	their	PRON
fsr-3162	569	20	financial	financial	ADJ
fsr-3162	569	21	education	education	NOUN
fsr-3162	569	22	experiences	experience	NOUN
fsr-3162	569	23	which	which	PRON
fsr-3162	569	24	can	can	AUX
fsr-3162	569	25	date	date	VERB
fsr-3162	569	26	back	back	ADV
fsr-3162	569	27	a	a	DET
fsr-3162	569	28	long	long	ADJ
fsr-3162	569	29	time	time	NOUN
fsr-3162	569	30	ago.5	ago.5	PROPN
fsr-3162	569	31	although	although	SCONJ
fsr-3162	569	32	not	not	PART
fsr-3162	569	33	being	be	AUX
fsr-3162	569	34	able	able	ADJ
fsr-3162	569	35	to	to	PART
fsr-3162	569	36	address	address	VERB
fsr-3162	569	37	the	the	DET
fsr-3162	569	38	concern	concern	NOUN
fsr-3162	569	39	completely	completely	ADV
fsr-3162	569	40	,	,	PUNCT
fsr-3162	569	41	i	i	PRON
fsr-3162	569	42	conducted	conduct	VERB
fsr-3162	569	43	a	a	DET
fsr-3162	569	44	robust	robust	ADJ
fsr-3162	569	45	check	check	NOUN
fsr-3162	569	46	by	by	ADP
fsr-3162	569	47	running	run	VERB
fsr-3162	569	48	the	the	DET
fsr-3162	569	49	primary	primary	ADJ
fsr-3162	569	50	tests	test	NOUN
fsr-3162	569	51	on	on	ADP
fsr-3162	569	52	a	a	DET
fsr-3162	569	53	subset	subset	NOUN
fsr-3162	569	54	of	of	ADP
fsr-3162	569	55	samples	sample	NOUN
fsr-3162	569	56	aged	age	VERB
fsr-3162	569	57	below	below	ADP
fsr-3162	569	58	30	30	NUM
fsr-3162	569	59	,	,	PUNCT
fsr-3162	569	60	who	who	PRON
fsr-3162	569	61	may	may	AUX
fsr-3162	569	62	be	be	AUX
fsr-3162	569	63	subject	subject	ADJ
fsr-3162	569	64	to	to	ADP
fsr-3162	569	65	recall	recall	VERB
fsr-3162	569	66	errors	error	NOUN
fsr-3162	569	67	to	to	ADP
fsr-3162	569	68	a	a	DET
fsr-3162	569	69	lesser	less	ADJ
fsr-3162	569	70	extent	extent	NOUN
fsr-3162	569	71	.	.	PUNCT
fsr-3162	570	1	the	the	DET
fsr-3162	570	2	conclusion	conclusion	NOUN
fsr-3162	570	3	remains	remain	VERB
fsr-3162	570	4	unaltered	unaltered	ADJ
fsr-3162	570	5	.	.	PUNCT
fsr-3162	571	1	nonetheless	nonetheless	ADV
fsr-3162	571	2	,	,	PUNCT
fsr-3162	571	3	caution	caution	NOUN
fsr-3162	571	4	is	be	AUX
fsr-3162	571	5	necessary	necessary	ADJ
fsr-3162	571	6	when	when	SCONJ
fsr-3162	571	7	interpreting	interpret	VERB
fsr-3162	571	8	the	the	DET
fsr-3162	571	9	results	result	NOUN
fsr-3162	571	10	as	as	ADP
fsr-3162	571	11	recall	recall	NOUN
fsr-3162	571	12	errors	error	NOUN
fsr-3162	571	13	can	can	AUX
fsr-3162	571	14	not	not	PART
fsr-3162	571	15	be	be	AUX
fsr-3162	571	16	totally	totally	ADV
fsr-3162	571	17	ruled	rule	VERB
fsr-3162	571	18	out	out	ADP
fsr-3162	571	19	.	.	PUNCT
fsr-3162	572	1	another	another	DET
fsr-3162	572	2	limitation	limitation	NOUN
fsr-3162	572	3	is	be	AUX
fsr-3162	572	4	that	that	SCONJ
fsr-3162	572	5	the	the	DET
fsr-3162	572	6	fls	fls	PROPN
fsr-3162	572	7	did	do	AUX
fsr-3162	572	8	not	not	PART
fsr-3162	572	9	reveal	reveal	VERB
fsr-3162	572	10	what	what	PRON
fsr-3162	572	11	kind	kind	NOUN
fsr-3162	572	12	of	of	ADP
fsr-3162	572	13	financial	financial	ADJ
fsr-3162	572	14	education	education	NOUN
fsr-3162	572	15	was	be	AUX
fsr-3162	572	16	offered	offer	VERB
fsr-3162	572	17	,	,	PUNCT
fsr-3162	572	18	although	although	SCONJ
fsr-3162	572	19	such	such	ADJ
fsr-3162	572	20	knowledge	knowledge	NOUN
fsr-3162	572	21	can	can	AUX
fsr-3162	572	22	better	well	ADV
fsr-3162	572	23	contribute	contribute	VERB
fsr-3162	572	24	to	to	ADP
fsr-3162	572	25	understanding	understand	VERB
fsr-3162	572	26	the	the	DET
fsr-3162	572	27	relationship	relationship	NOUN
fsr-3162	572	28	between	between	ADP
fsr-3162	572	29	financial	financial	ADJ
fsr-3162	572	30	education	education	NOUN
fsr-3162	572	31	and	and	CCONJ
fsr-3162	572	32	behavior	behavior	NOUN
fsr-3162	572	33	.	.	PUNCT
fsr-3162	573	1	future	future	ADJ
fsr-3162	573	2	research	research	NOUN
fsr-3162	573	3	may	may	AUX
fsr-3162	573	4	address	address	VERB
fsr-3162	573	5	this	this	DET
fsr-3162	573	6	issue	issue	NOUN
fsr-3162	573	7	by	by	ADP
fsr-3162	573	8	obtaining	obtain	VERB
fsr-3162	573	9	detailed	detailed	ADJ
fsr-3162	573	10	information	information	NOUN
fsr-3162	573	11	on	on	ADP
fsr-3162	573	12	the	the	DET
fsr-3162	573	13	types	type	NOUN
fsr-3162	573	14	and	and	CCONJ
fsr-3162	573	15	intensities	intensity	NOUN
fsr-3162	573	16	of	of	ADP
fsr-3162	573	17	the	the	DET
fsr-3162	573	18	educational	educational	ADJ
fsr-3162	573	19	activities	activity	NOUN
fsr-3162	573	20	.	.	PUNCT
fsr-3162	574	1	5.2	5.2	NUM
fsr-3162	574	2	.	.	PUNCT
fsr-3162	574	3	implications	implication	NOUN
fsr-3162	574	4	despite	despite	SCONJ
fsr-3162	574	5	the	the	DET
fsr-3162	574	6	limitations	limitation	NOUN
fsr-3162	574	7	,	,	PUNCT
fsr-3162	574	8	the	the	DET
fsr-3162	574	9	results	result	NOUN
fsr-3162	574	10	of	of	ADP
fsr-3162	574	11	this	this	DET
fsr-3162	574	12	study	study	NOUN
fsr-3162	574	13	have	have	VERB
fsr-3162	574	14	several	several	ADJ
fsr-3162	574	15	implications	implication	NOUN
fsr-3162	574	16	.	.	PUNCT
fsr-3162	575	1	the	the	DET
fsr-3162	575	2	results	result	NOUN
fsr-3162	575	3	illuminate	illuminate	VERB
fsr-3162	575	4	the	the	DET
fsr-3162	575	5	importance	importance	NOUN
fsr-3162	575	6	of	of	ADP
fsr-3162	575	7	financial	financial	ADJ
fsr-3162	575	8	education	education	NOUN
fsr-3162	575	9	within	within	ADP
fsr-3162	575	10	the	the	DET
fsr-3162	575	11	family	family	NOUN
fsr-3162	575	12	,	,	PUNCT
fsr-3162	575	13	which	which	PRON
fsr-3162	575	14	appears	appear	VERB
fsr-3162	575	15	to	to	PART
fsr-3162	575	16	have	have	VERB
fsr-3162	575	17	a	a	DET
fsr-3162	575	18	strong	strong	ADJ
fsr-3162	575	19	association	association	NOUN
fsr-3162	575	20	with	with	ADP
fsr-3162	575	21	financial	financial	ADJ
fsr-3162	575	22	behavior	behavior	NOUN
fsr-3162	575	23	into	into	ADP
fsr-3162	575	24	adulthood	adulthood	NOUN
fsr-3162	575	25	.	.	PUNCT
fsr-3162	576	1	it	it	PRON
fsr-3162	576	2	is	be	AUX
fsr-3162	576	3	useful	useful	ADJ
fsr-3162	576	4	for	for	SCONJ
fsr-3162	576	5	public	public	ADJ
fsr-3162	576	6	or	or	CCONJ
fsr-3162	576	7	private	private	ADJ
fsr-3162	576	8	educational	educational	ADJ
fsr-3162	576	9	or	or	CCONJ
fsr-3162	576	10	financial	financial	ADJ
fsr-3162	576	11	institutions	institution	NOUN
fsr-3162	576	12	to	to	PART
fsr-3162	576	13	provide	provide	VERB
fsr-3162	576	14	advice	advice	NOUN
fsr-3162	576	15	or	or	CCONJ
fsr-3162	576	16	training	training	NOUN
fsr-3162	576	17	programs	program	NOUN
fsr-3162	576	18	targeted	target	VERB
fsr-3162	576	19	at	at	ADP
fsr-3162	576	20	parents	parent	NOUN
fsr-3162	576	21	regarding	regard	VERB
fsr-3162	576	22	how	how	SCONJ
fsr-3162	576	23	to	to	PART
fsr-3162	576	24	communicate	communicate	VERB
fsr-3162	576	25	financial	financial	ADJ
fsr-3162	576	26	advice	advice	NOUN
fsr-3162	576	27	effectively	effectively	ADV
fsr-3162	576	28	so	so	SCONJ
fsr-3162	576	29	that	that	SCONJ
fsr-3162	576	30	children	child	NOUN
fsr-3162	576	31	can	can	AUX
fsr-3162	576	32	develop	develop	VERB
fsr-3162	576	33	proper	proper	ADJ
fsr-3162	576	34	financial	financial	ADJ
fsr-3162	576	35	attitudes	attitude	NOUN
fsr-3162	576	36	and	and	CCONJ
fsr-3162	576	37	habits	habit	NOUN
fsr-3162	576	38	during	during	ADP
fsr-3162	576	39	daily	daily	ADJ
fsr-3162	576	40	life	life	NOUN
fsr-3162	576	41	opportunities	opportunity	NOUN
fsr-3162	576	42	.	.	PUNCT
fsr-3162	577	1	another	another	DET
fsr-3162	577	2	insight	insight	NOUN
fsr-3162	577	3	from	from	ADP
fsr-3162	577	4	this	this	DET
fsr-3162	577	5	study	study	NOUN
fsr-3162	577	6	is	be	AUX
fsr-3162	577	7	the	the	DET
fsr-3162	577	8	importance	importance	NOUN
fsr-3162	577	9	of	of	ADP
fsr-3162	577	10	cumulative	cumulative	ADJ
fsr-3162	577	11	financial	financial	ADJ
fsr-3162	577	12	education	education	NOUN
fsr-3162	577	13	.	.	PUNCT
fsr-3162	578	1	this	this	PRON
fsr-3162	578	2	suggests	suggest	VERB
fsr-3162	578	3	that	that	SCONJ
fsr-3162	578	4	financial	financial	ADJ
fsr-3162	578	5	education	education	NOUN
fsr-3162	578	6	has	have	VERB
fsr-3162	578	7	an	an	DET
fsr-3162	578	8	accumulative	accumulative	ADJ
fsr-3162	578	9	impact	impact	NOUN
fsr-3162	578	10	.	.	PUNCT
fsr-3162	579	1	to	to	PART
fsr-3162	579	2	promote	promote	VERB
fsr-3162	579	3	financial	financial	ADJ
fsr-3162	579	4	education	education	NOUN
fsr-3162	579	5	,	,	PUNCT
fsr-3162	579	6	educational	educational	ADJ
fsr-3162	579	7	policymakers	policymaker	NOUN
fsr-3162	579	8	may	may	AUX
fsr-3162	579	9	adopt	adopt	VERB
fsr-3162	579	10	a	a	DET
fsr-3162	579	11	more	more	ADV
fsr-3162	579	12	integrative	integrative	ADJ
fsr-3162	579	13	design	design	NOUN
fsr-3162	579	14	that	that	PRON
fsr-3162	579	15	incorporates	incorporate	VERB
fsr-3162	579	16	programs	program	NOUN
fsr-3162	579	17	designed	design	VERB
fsr-3162	579	18	at	at	ADP
fsr-3162	579	19	different	different	ADJ
fsr-3162	579	20	stages	stage	NOUN
fsr-3162	579	21	of	of	ADP
fsr-3162	579	22	life	life	NOUN
fsr-3162	579	23	.	.	PUNCT
fsr-3162	580	1	educational	educational	ADJ
fsr-3162	580	2	programs	program	NOUN
fsr-3162	580	3	should	should	AUX
fsr-3162	580	4	be	be	AUX
fsr-3162	580	5	designed	design	VERB
fsr-3162	580	6	with	with	ADP
fsr-3162	580	7	distinct	distinct	ADJ
fsr-3162	580	8	objectives	objective	NOUN
fsr-3162	580	9	,	,	PUNCT
fsr-3162	580	10	with	with	ADP
fsr-3162	580	11	earlier	early	ADJ
fsr-3162	580	12	stage	stage	NOUN
fsr-3162	580	13	programs	program	NOUN
fsr-3162	580	14	focusing	focus	VERB
fsr-3162	580	15	more	more	ADV
fsr-3162	580	16	on	on	ADP
fsr-3162	580	17	short	short	ADJ
fsr-3162	580	18	-	-	PUNCT
fsr-3162	580	19	term	term	NOUN
fsr-3162	580	20	financial	financial	ADJ
fsr-3162	580	21	behaviors	behavior	NOUN
fsr-3162	580	22	(	(	PUNCT
fsr-3162	580	23	e.g.	e.g.	ADV
fsr-3162	580	24	,	,	PUNCT
fsr-3162	580	25	executive	executive	ADJ
fsr-3162	580	26	functions	function	NOUN
fsr-3162	580	27	and	and	CCONJ
fsr-3162	580	28	proper	proper	ADJ
fsr-3162	580	29	financial	financial	ADJ
fsr-3162	580	30	attitudes	attitude	NOUN
fsr-3162	580	31	and	and	CCONJ
fsr-3162	580	32	habits	habit	NOUN
fsr-3162	580	33	)	)	PUNCT
fsr-3162	580	34	and	and	CCONJ
fsr-3162	580	35	later	later	ADJ
fsr-3162	580	36	-	-	PUNCT
fsr-3162	580	37	stage	stage	NOUN
fsr-3162	580	38	programs	program	NOUN
fsr-3162	580	39	emphasizing	emphasize	VERB
fsr-3162	580	40	long	long	ADJ
fsr-3162	580	41	-	-	PUNCT
fsr-3162	580	42	term	term	NOUN
fsr-3162	580	43	behaviors	behavior	NOUN
fsr-3162	580	44	(	(	PUNCT
fsr-3162	580	45	e.g.	e.g.	ADV
fsr-3162	580	46	,	,	PUNCT
fsr-3162	580	47	knowledge	knowledge	NOUN
fsr-3162	580	48	and	and	CCONJ
fsr-3162	580	49	skills	skill	NOUN
fsr-3162	580	50	for	for	ADP
fsr-3162	580	51	asset	asset	NOUN
fsr-3162	580	52	management	management	NOUN
fsr-3162	580	53	and	and	CCONJ
fsr-3162	580	54	retirement	retirement	NOUN
fsr-3162	580	55	saving	saving	NOUN
fsr-3162	580	56	)	)	PUNCT
fsr-3162	580	57	.	.	PUNCT
fsr-3162	581	1	individuals	individual	NOUN
fsr-3162	581	2	should	should	AUX
fsr-3162	581	3	be	be	AUX
fsr-3162	581	4	encouraged	encourage	VERB
fsr-3162	581	5	and	and	CCONJ
fsr-3162	581	6	provided	provide	VERB
fsr-3162	581	7	opportunities	opportunity	NOUN
fsr-3162	581	8	to	to	PART
fsr-3162	581	9	receive	receive	VERB
fsr-3162	581	10	accumulative	accumulative	ADJ
fsr-3162	581	11	financial	financial	ADJ
fsr-3162	581	12	education	education	NOUN
fsr-3162	581	13	at	at	ADP
fsr-3162	581	14	different	different	ADJ
fsr-3162	581	15	stages	stage	NOUN
fsr-3162	581	16	of	of	ADP
fsr-3162	581	17	life	life	NOUN
fsr-3162	581	18	,	,	PUNCT
fsr-3162	581	19	as	as	SCONJ
fsr-3162	581	20	it	it	PRON
fsr-3162	581	21	is	be	AUX
fsr-3162	581	22	the	the	DET
fsr-3162	581	23	most	most	ADV
fsr-3162	581	24	effective	effective	ADJ
fsr-3162	581	25	way	way	NOUN
fsr-3162	581	26	to	to	PART
fsr-3162	581	27	influence	influence	VERB
fsr-3162	581	28	financial	financial	ADJ
fsr-3162	581	29	behavior	behavior	NOUN
fsr-3162	581	30	.	.	PUNCT
fsr-3162	582	1	notes	note	VERB
fsr-3162	582	2	1	1	NUM
fsr-3162	582	3	one	one	NUM
fsr-3162	582	4	exception	exception	NOUN
fsr-3162	582	5	is	be	AUX
fsr-3162	582	6	wagner	wagner	PROPN
fsr-3162	582	7	and	and	CCONJ
fsr-3162	582	8	walstad	walstad	PROPN
fsr-3162	582	9	(	(	PUNCT
fsr-3162	582	10	2019	2019	NUM
fsr-3162	582	11	)	)	PUNCT
fsr-3162	582	12	,	,	PUNCT
fsr-3162	582	13	which	which	PRON
fsr-3162	582	14	isolated	isolate	VERB
fsr-3162	582	15	financial	financial	ADJ
fsr-3162	582	16	education	education	NOUN
fsr-3162	582	17	received	receive	VERB
fsr-3162	582	18	at	at	ADP
fsr-3162	582	19	high	high	ADJ
fsr-3162	582	20	schools	school	NOUN
fsr-3162	582	21	,	,	PUNCT
fsr-3162	582	22	colleges	college	NOUN
fsr-3162	582	23	,	,	PUNCT
fsr-3162	582	24	and	and	CCONJ
fsr-3162	582	25	workplaces	workplace	NOUN
fsr-3162	582	26	.	.	PUNCT
fsr-3162	583	1	2	2	NUM
fsr-3162	583	2	the	the	DET
fsr-3162	583	3	residence	residence	NOUN
fsr-3162	583	4	area	area	NOUN
fsr-3162	583	5	dummies	dummy	NOUN
fsr-3162	583	6	are	be	AUX
fsr-3162	583	7	kyushu	kyushu	PROPN
fsr-3162	583	8	(	(	PUNCT
fsr-3162	583	9	prefectures	prefecture	NOUN
fsr-3162	583	10	of	of	ADP
fsr-3162	583	11	fukuoka	fukuoka	PROPN
fsr-3162	583	12	,	,	PUNCT
fsr-3162	583	13	kagoshima	kagoshima	PROPN
fsr-3162	583	14	,	,	PUNCT
fsr-3162	583	15	kumamoto	kumamoto	PROPN
fsr-3162	583	16	,	,	PUNCT
fsr-3162	583	17	miyazaki	miyazaki	PROPN
fsr-3162	583	18	,	,	PUNCT
fsr-3162	583	19	nagasaki	nagasaki	PROPN
fsr-3162	583	20	,	,	PUNCT
fsr-3162	583	21	oita	oita	PROPN
fsr-3162	583	22	,	,	PUNCT
fsr-3162	583	23	okinawa	okinawa	PROPN
fsr-3162	583	24	,	,	PUNCT
fsr-3162	583	25	and	and	CCONJ
fsr-3162	583	26	saga	saga	NOUN
fsr-3162	583	27	)	)	PUNCT
fsr-3162	583	28	,	,	PUNCT
fsr-3162	583	29	shikoku	shikoku	PROPN
fsr-3162	583	30	(	(	PUNCT
fsr-3162	583	31	ehime	ehime	PROPN
fsr-3162	583	32	,	,	PUNCT
fsr-3162	583	33	kagawa	kagawa	PROPN
fsr-3162	583	34	,	,	PUNCT
fsr-3162	583	35	kochi	kochi	PROPN
fsr-3162	583	36	,	,	PUNCT
fsr-3162	583	37	and	and	CCONJ
fsr-3162	583	38	tokushima	tokushima	PROPN
fsr-3162	583	39	)	)	PUNCT
fsr-3162	583	40	,	,	PUNCT
fsr-3162	583	41	chugoku	chugoku	X
fsr-3162	583	42	(	(	PUNCT
fsr-3162	583	43	hiroshima	hiroshima	PROPN
fsr-3162	583	44	,	,	PUNCT
fsr-3162	583	45	okayama	okayama	PROPN
fsr-3162	583	46	,	,	PUNCT
fsr-3162	583	47	shimane	shimane	NOUN
fsr-3162	583	48	,	,	PUNCT
fsr-3162	583	49	tottori	tottori	PROPN
fsr-3162	583	50	,	,	PUNCT
fsr-3162	583	51	and	and	CCONJ
fsr-3162	583	52	yamaguchi	yamaguchi	PROPN
fsr-3162	583	53	)	)	PUNCT
fsr-3162	583	54	,	,	PUNCT
fsr-3162	583	55	keihan	keihan	INTJ
fsr-3162	583	56	(	(	PUNCT
fsr-3162	583	57	kyoto	kyoto	PROPN
fsr-3162	583	58	,	,	PUNCT
fsr-3162	583	59	osaka	osaka	PROPN
fsr-3162	583	60	)	)	PUNCT
fsr-3162	583	61	,	,	PUNCT
fsr-3162	583	62	kinki	kinki	PROPN
fsr-3162	583	63	(	(	PUNCT
fsr-3162	583	64	hyogo	hyogo	PROPN
fsr-3162	583	65	,	,	PUNCT
fsr-3162	583	66	nara	nara	NOUN
fsr-3162	583	67	,	,	PUNCT
fsr-3162	583	68	shiga	shiga	ADJ
fsr-3162	583	69	,	,	PUNCT
fsr-3162	583	70	and	and	CCONJ
fsr-3162	583	71	wakayama	wakayama	NOUN
fsr-3162	583	72	)	)	PUNCT
fsr-3162	583	73	,	,	PUNCT
fsr-3162	583	74	chubu	chubu	X
fsr-3162	583	75	(	(	PUNCT
fsr-3162	583	76	aichi	aichi	PROPN
fsr-3162	583	77	,	,	PUNCT
fsr-3162	583	78	fukui	fukui	PROPN
fsr-3162	583	79	,	,	PUNCT
fsr-3162	583	80	gifu	gifu	PROPN
fsr-3162	583	81	,	,	PUNCT
fsr-3162	583	82	ishii	ishii	PROPN
fsr-3162	583	83	,	,	PUNCT
fsr-3162	583	84	mie	mie	PROPN
fsr-3162	583	85	,	,	PUNCT
fsr-3162	583	86	nagano	nagano	PROPN
fsr-3162	583	87	,	,	PUNCT
fsr-3162	583	88	niigata	niigata	PROPN
fsr-3162	583	89	,	,	PUNCT
fsr-3162	583	90	shizuoka	shizuoka	PROPN
fsr-3162	583	91	,	,	PUNCT
fsr-3162	583	92	and	and	CCONJ
fsr-3162	583	93	t.-m	t.-m	NOUN
fsr-3162	583	94	.	.	PUNCT
fsr-3162	584	1	yeh	yeh	PROPN
fsr-3162	584	2	/	/	SYM
fsr-3162	584	3	financial	financial	ADJ
fsr-3162	584	4	services	service	NOUN
fsr-3162	584	5	review	review	VERB
fsr-3162	584	6	30	30	NUM
fsr-3162	584	7	(	(	PUNCT
fsr-3162	584	8	2022	2022	NUM
fsr-3162	584	9	)	)	PUNCT
fsr-3162	585	1	297–320	297–320	NUM
fsr-3162	585	2	317	317	NUM
fsr-3162	585	3	toyama	toyama	NOUN
fsr-3162	585	4	)	)	PUNCT
fsr-3162	585	5	,	,	PUNCT
fsr-3162	585	6	tokyo	tokyo	PROPN
fsr-3162	585	7	,	,	PUNCT
fsr-3162	585	8	kanto	kanto	NOUN
fsr-3162	585	9	(	(	PUNCT
fsr-3162	585	10	chiba	chiba	PROPN
fsr-3162	585	11	,	,	PUNCT
fsr-3162	585	12	gunma	gunma	PROPN
fsr-3162	585	13	,	,	PUNCT
fsr-3162	585	14	ibaragi	ibaragi	PROPN
fsr-3162	585	15	,	,	PUNCT
fsr-3162	585	16	kanagawa	kanagawa	PROPN
fsr-3162	585	17	,	,	PUNCT
fsr-3162	585	18	saitama	saitama	PROPN
fsr-3162	585	19	,	,	PUNCT
fsr-3162	585	20	tochigi	tochigi	PROPN
fsr-3162	585	21	,	,	PUNCT
fsr-3162	585	22	and	and	CCONJ
fsr-3162	585	23	yamanashi	yamanashi	NOUN
fsr-3162	585	24	)	)	PUNCT
fsr-3162	585	25	,	,	PUNCT
fsr-3162	585	26	and	and	CCONJ
fsr-3162	585	27	tohoku	tohoku	PROPN
fsr-3162	585	28	(	(	PUNCT
fsr-3162	585	29	akita	akita	PROPN
fsr-3162	585	30	,	,	PUNCT
fsr-3162	585	31	aomori	aomori	PROPN
fsr-3162	585	32	,	,	PUNCT
fsr-3162	585	33	fukushima	fukushima	PROPN
fsr-3162	585	34	,	,	PUNCT
fsr-3162	585	35	hokkaido	hokkaido	PROPN
fsr-3162	585	36	,	,	PUNCT
fsr-3162	585	37	iwate	iwate	ADJ
fsr-3162	585	38	,	,	PUNCT
fsr-3162	585	39	miyagi	miyagi	PROPN
fsr-3162	585	40	,	,	PUNCT
fsr-3162	585	41	and	and	CCONJ
fsr-3162	585	42	yamagata	yamagata	PROPN
fsr-3162	585	43	)	)	PUNCT
fsr-3162	585	44	.	.	PUNCT
fsr-3162	586	1	3	3	NUM
fsr-3162	586	2	the	the	DET
fsr-3162	586	3	results	result	NOUN
fsr-3162	586	4	remain	remain	VERB
fsr-3162	586	5	qualitatively	qualitatively	ADV
fsr-3162	586	6	similar	similar	ADJ
fsr-3162	586	7	when	when	SCONJ
fsr-3162	586	8	multiple	multiple	ADJ
fsr-3162	586	9	matches	match	NOUN
fsr-3162	586	10	are	be	AUX
fsr-3162	586	11	allowed	allow	VERB
fsr-3162	586	12	,	,	PUNCT
fsr-3162	586	13	with	with	ADP
fsr-3162	586	14	replacements	replacement	NOUN
fsr-3162	586	15	,	,	PUNCT
fsr-3162	586	16	using	use	VERB
fsr-3162	586	17	the	the	DET
fsr-3162	586	18	nearest	near	ADJ
fsr-3162	586	19	-	-	PUNCT
fsr-3162	586	20	neighbor	neighbor	NOUN
fsr-3162	586	21	criteria	criterion	NOUN
fsr-3162	586	22	.	.	PUNCT
fsr-3162	587	1	4	4	NUM
fsr-3162	587	2	https://data.oecd.org/hha/household-financial-assets.htm	https://data.oecd.org/hha/household-financial-assets.htm	NOUN
fsr-3162	587	3	5	5	NUM
fsr-3162	587	4	i	i	PRON
fsr-3162	587	5	am	be	AUX
fsr-3162	587	6	grateful	grateful	ADJ
fsr-3162	587	7	to	to	ADP
fsr-3162	587	8	the	the	DET
fsr-3162	587	9	referees	referee	NOUN
fsr-3162	587	10	for	for	ADP
fsr-3162	587	11	suggesting	suggest	VERB
fsr-3162	587	12	some	some	PRON
fsr-3162	587	13	of	of	ADP
fsr-3162	587	14	the	the	DET
fsr-3162	587	15	limitations	limitation	NOUN
fsr-3162	587	16	.	.	PUNCT
fsr-3162	588	1	acknowledgments	acknowledgment	NOUN
fsr-3162	588	2	the	the	DET
fsr-3162	588	3	author	author	NOUN
fsr-3162	588	4	is	be	AUX
fsr-3162	588	5	grateful	grateful	ADJ
fsr-3162	588	6	to	to	ADP
fsr-3162	588	7	the	the	DET
fsr-3162	588	8	anonymous	anonymous	ADJ
fsr-3162	588	9	referees	referee	NOUN
fsr-3162	588	10	and	and	CCONJ
fsr-3162	588	11	the	the	DET
fsr-3162	588	12	editor	editor	NOUN
fsr-3162	588	13	-	-	PUNCT
fsr-3162	588	14	in	in	ADP
fsr-3162	588	15	-	-	PUNCT
fsr-3162	588	16	chief	chief	NOUN
fsr-3162	588	17	for	for	ADP
fsr-3162	588	18	their	their	PRON
fsr-3162	588	19	comments	comment	NOUN
fsr-3162	588	20	.	.	PUNCT
fsr-3162	589	1	the	the	DET
fsr-3162	589	2	author	author	NOUN
fsr-3162	589	3	also	also	ADV
fsr-3162	589	4	acknowledges	acknowledge	VERB
fsr-3162	589	5	financial	financial	ADJ
fsr-3162	589	6	support	support	NOUN
fsr-3162	589	7	from	from	ADP
fsr-3162	589	8	jsps	jsps	PROPN
fsr-3162	589	9	kakenhi	kakenhi	PROPN
fsr-3162	589	10	(	(	PUNCT
fsr-3162	589	11	jp17k03807	jp17k03807	PROPN
fsr-3162	589	12	)	)	PUNCT
fsr-3162	589	13	,	,	PUNCT
fsr-3162	589	14	and	and	CCONJ
fsr-3162	589	15	education	education	NOUN
fsr-3162	589	16	and	and	CCONJ
fsr-3162	589	17	research	research	NOUN
fsr-3162	589	18	center	center	NOUN
fsr-3162	589	19	for	for	ADP
fsr-3162	589	20	mathematical	mathematical	ADJ
fsr-3162	589	21	and	and	CCONJ
fsr-3162	589	22	data	datum	NOUN
fsr-3162	589	23	science	science	NOUN
fsr-3162	589	24	of	of	ADP
fsr-3162	589	25	kyushu	kyushu	PROPN
fsr-3162	589	26	university	university	PROPN
fsr-3162	589	27	,	,	PUNCT
fsr-3162	589	28	and	and	CCONJ
fsr-3162	589	29	transcosmos	transcosmos	PRON
fsr-3162	589	30	foundation	foundation	PROPN
fsr-3162	589	31	.	.	PUNCT
fsr-3162	590	1	references	reference	NOUN
fsr-3162	590	2	ashby	ashby	PROPN
fsr-3162	590	3	,	,	PUNCT
fsr-3162	590	4	j.	j.	PROPN
fsr-3162	590	5	s.	s.	PROPN
fsr-3162	590	6	,	,	PUNCT
fsr-3162	590	7	ingrid	ingrid	PROPN
fsr-3162	590	8	,	,	PUNCT
fsr-3162	590	9	s.	s.	PROPN
fsr-3162	590	10	,	,	PUNCT
fsr-3162	590	11	&	&	CCONJ
fsr-3162	590	12	paul	paul	PROPN
fsr-3162	590	13	,	,	PUNCT
fsr-3162	590	14	w.	w.	PROPN
fsr-3162	590	15	(	(	PUNCT
fsr-3162	590	16	2011	2011	NUM
fsr-3162	590	17	)	)	PUNCT
fsr-3162	590	18	.	.	PUNCT
fsr-3162	591	1	save	save	VERB
fsr-3162	591	2	now	now	ADV
fsr-3162	591	3	,	,	PUNCT
fsr-3162	591	4	save	save	VERB
fsr-3162	591	5	later	later	ADV
fsr-3162	591	6	?	?	PUNCT
fsr-3162	592	1	linkages	linkage	NOUN
fsr-3162	592	2	between	between	ADP
fsr-3162	592	3	saving	save	VERB
fsr-3162	592	4	behavior	behavior	NOUN
fsr-3162	592	5	in	in	ADP
fsr-3162	592	6	adolescence	adolescence	NOUN
fsr-3162	592	7	and	and	CCONJ
fsr-3162	592	8	adulthood	adulthood	NOUN
fsr-3162	592	9	.	.	PUNCT
fsr-3162	593	1	european	european	ADJ
fsr-3162	593	2	psychologist	psychologist	NOUN
fsr-3162	593	3	,	,	PUNCT
fsr-3162	593	4	16	16	NUM
fsr-3162	593	5	,	,	PUNCT
fsr-3162	593	6	227	227	NUM
fsr-3162	593	7	-	-	SYM
fsr-3162	593	8	237	237	NUM
fsr-3162	593	9	.	.	PUNCT
fsr-3162	594	1	atkinson	atkinson	PROPN
fsr-3162	594	2	,	,	PUNCT
fsr-3162	594	3	a.	a.	PROPN
fsr-3162	594	4	,	,	PUNCT
fsr-3162	594	5	&	&	CCONJ
fsr-3162	594	6	messy	messy	PROPN
fsr-3162	594	7	,	,	PUNCT
fsr-3162	594	8	f.	f.	PROPN
fsr-3162	594	9	a.	a.	PROPN
fsr-3162	594	10	(	(	PUNCT
fsr-3162	594	11	2011	2011	NUM
fsr-3162	594	12	)	)	PUNCT
fsr-3162	594	13	.	.	PUNCT
fsr-3162	595	1	assessing	assess	VERB
fsr-3162	595	2	financial	financial	ADJ
fsr-3162	595	3	literacy	literacy	NOUN
fsr-3162	595	4	in	in	ADP
fsr-3162	595	5	12	12	NUM
fsr-3162	595	6	countries	country	NOUN
fsr-3162	595	7	:	:	PUNCT
fsr-3162	595	8	an	an	DET
fsr-3162	595	9	oecd	oecd	PROPN
fsr-3162	595	10	/	/	SYM
fsr-3162	595	11	infe	infe	PROPN
fsr-3162	595	12	international	international	ADJ
fsr-3162	595	13	pilot	pilot	NOUN
fsr-3162	595	14	exercise	exercise	NOUN
fsr-3162	595	15	.	.	PUNCT
fsr-3162	596	1	journal	journal	NOUN
fsr-3162	596	2	of	of	ADP
fsr-3162	596	3	pension	pension	NOUN
fsr-3162	596	4	economics	economic	NOUN
fsr-3162	596	5	and	and	CCONJ
fsr-3162	596	6	finance	finance	NOUN
fsr-3162	596	7	,	,	PUNCT
fsr-3162	596	8	10	10	NUM
fsr-3162	596	9	,	,	PUNCT
fsr-3162	596	10	657	657	NUM
fsr-3162	596	11	-	-	SYM
fsr-3162	596	12	665	665	NUM
fsr-3162	596	13	.	.	PUNCT
fsr-3162	597	1	bannier	bannier	NOUN
fsr-3162	597	2	,	,	PUNCT
fsr-3162	597	3	c.	c.	PROPN
fsr-3162	597	4	e.	e.	PROPN
fsr-3162	597	5	,	,	PUNCT
fsr-3162	597	6	&	&	CCONJ
fsr-3162	597	7	schwarz	schwarz	PROPN
fsr-3162	597	8	,	,	PUNCT
fsr-3162	597	9	m.	m.	NOUN
fsr-3162	597	10	(	(	PUNCT
fsr-3162	597	11	2018	2018	NUM
fsr-3162	597	12	)	)	PUNCT
fsr-3162	597	13	.	.	PUNCT
fsr-3162	598	1	genderand	genderand	NOUN
fsr-3162	598	2	education	education	NOUN
fsr-3162	598	3	-	-	PUNCT
fsr-3162	598	4	related	relate	VERB
fsr-3162	598	5	effects	effect	NOUN
fsr-3162	598	6	of	of	ADP
fsr-3162	598	7	financial	financial	ADJ
fsr-3162	598	8	literacy	literacy	NOUN
fsr-3162	598	9	and	and	CCONJ
fsr-3162	598	10	confidence	confidence	NOUN
fsr-3162	598	11	on	on	ADP
fsr-3162	598	12	financial	financial	ADJ
fsr-3162	598	13	wealth	wealth	NOUN
fsr-3162	598	14	.	.	PUNCT
fsr-3162	599	1	journal	journal	NOUN
fsr-3162	599	2	of	of	ADP
fsr-3162	599	3	economic	economic	ADJ
fsr-3162	599	4	psychology	psychology	NOUN
fsr-3162	599	5	,	,	PUNCT
fsr-3162	599	6	67	67	NUM
fsr-3162	599	7	,	,	PUNCT
fsr-3162	599	8	66	66	NUM
fsr-3162	599	9	-	-	SYM
fsr-3162	599	10	86	86	NUM
fsr-3162	599	11	.	.	PUNCT
fsr-3162	600	1	batty	batty	ADJ
fsr-3162	600	2	,	,	PUNCT
fsr-3162	600	3	m.	m.	NOUN
fsr-3162	600	4	,	,	PUNCT
fsr-3162	600	5	collins	collins	PROPN
fsr-3162	600	6	,	,	PUNCT
fsr-3162	600	7	j.	j.	PROPN
fsr-3162	600	8	m.	m.	PROPN
fsr-3162	600	9	,	,	PUNCT
fsr-3162	600	10	o’rourke	o’rourke	NOUN
fsr-3162	600	11	,	,	PUNCT
fsr-3162	600	12	c.	c.	NOUN
fsr-3162	600	13	,	,	PUNCT
fsr-3162	600	14	&	&	CCONJ
fsr-3162	600	15	odders	odder	NOUN
fsr-3162	600	16	-	-	PUNCT
fsr-3162	600	17	white	white	PROPN
fsr-3162	600	18	,	,	PUNCT
fsr-3162	600	19	e.	e.	PROPN
fsr-3162	600	20	(	(	PUNCT
fsr-3162	600	21	2020	2020	NUM
fsr-3162	600	22	)	)	PUNCT
fsr-3162	600	23	.	.	PUNCT
fsr-3162	601	1	experiential	experiential	ADJ
fsr-3162	601	2	financial	financial	ADJ
fsr-3162	601	3	education	education	NOUN
fsr-3162	601	4	:	:	PUNCT
fsr-3162	601	5	a	a	DET
fsr-3162	601	6	field	field	NOUN
fsr-3162	601	7	study	study	NOUN
fsr-3162	601	8	of	of	ADP
fsr-3162	601	9	my	my	PRON
fsr-3162	601	10	classroom	classroom	NOUN
fsr-3162	601	11	economy	economy	NOUN
fsr-3162	601	12	in	in	ADP
fsr-3162	601	13	elementary	elementary	ADJ
fsr-3162	601	14	schools	school	NOUN
fsr-3162	601	15	.	.	PUNCT
fsr-3162	602	1	economics	economic	NOUN
fsr-3162	602	2	of	of	ADP
fsr-3162	602	3	education	education	PROPN
fsr-3162	602	4	review	review	NOUN
fsr-3162	602	5	,	,	PUNCT
fsr-3162	602	6	78	78	NUM
fsr-3162	602	7	,	,	PUNCT
fsr-3162	602	8	102014	102014	NUM
fsr-3162	602	9	.	.	PUNCT
fsr-3162	603	1	bayer	bayer	PROPN
fsr-3162	603	2	,	,	PUNCT
fsr-3162	603	3	p.	p.	PROPN
fsr-3162	603	4	j.	j.	PROPN
fsr-3162	603	5	,	,	PUNCT
fsr-3162	603	6	bernheim	bernheim	PROPN
fsr-3162	603	7	,	,	PUNCT
fsr-3162	603	8	b.	b.	PROPN
fsr-3162	603	9	d.	d.	PROPN
fsr-3162	603	10	,	,	PUNCT
fsr-3162	603	11	&	&	CCONJ
fsr-3162	603	12	scholz	scholz	PROPN
fsr-3162	603	13	,	,	PUNCT
fsr-3162	603	14	j.	j.	PROPN
fsr-3162	603	15	k.	k.	PROPN
fsr-3162	603	16	(	(	PUNCT
fsr-3162	603	17	2009	2009	NUM
fsr-3162	603	18	)	)	PUNCT
fsr-3162	603	19	.	.	PUNCT
fsr-3162	604	1	the	the	DET
fsr-3162	604	2	effects	effect	NOUN
fsr-3162	604	3	of	of	ADP
fsr-3162	604	4	financial	financial	ADJ
fsr-3162	604	5	education	education	NOUN
fsr-3162	604	6	in	in	ADP
fsr-3162	604	7	the	the	DET
fsr-3162	604	8	workplace	workplace	NOUN
fsr-3162	604	9	:	:	PUNCT
fsr-3162	604	10	evidence	evidence	NOUN
fsr-3162	604	11	from	from	ADP
fsr-3162	604	12	a	a	DET
fsr-3162	604	13	survey	survey	NOUN
fsr-3162	604	14	of	of	ADP
fsr-3162	604	15	employers	employer	NOUN
fsr-3162	604	16	.	.	PUNCT
fsr-3162	605	1	economic	economic	ADJ
fsr-3162	605	2	inquiry	inquiry	NOUN
fsr-3162	605	3	,	,	PUNCT
fsr-3162	605	4	47	47	NUM
fsr-3162	605	5	,	,	PUNCT
fsr-3162	605	6	605	605	NUM
fsr-3162	605	7	-	-	SYM
fsr-3162	605	8	624	624	NUM
fsr-3162	605	9	.	.	PUNCT
fsr-3162	605	10	behrman	behrman	NOUN
fsr-3162	605	11	,	,	PUNCT
fsr-3162	605	12	j.	j.	PROPN
fsr-3162	605	13	r.	r.	PROPN
fsr-3162	605	14	,	,	PUNCT
fsr-3162	605	15	mitchell	mitchell	PROPN
fsr-3162	605	16	,	,	PUNCT
fsr-3162	605	17	o.	o.	PROPN
fsr-3162	605	18	s.	s.	PROPN
fsr-3162	605	19	,	,	PUNCT
fsr-3162	605	20	soo	soo	PROPN
fsr-3162	605	21	,	,	PUNCT
fsr-3162	605	22	c.	c.	PROPN
fsr-3162	605	23	k.	k.	PROPN
fsr-3162	605	24	,	,	PUNCT
fsr-3162	605	25	&	&	CCONJ
fsr-3162	605	26	bravo	bravo	PROPN
fsr-3162	605	27	,	,	PUNCT
fsr-3162	605	28	d.	d.	PROPN
fsr-3162	605	29	(	(	PUNCT
fsr-3162	605	30	2012	2012	NUM
fsr-3162	605	31	)	)	PUNCT
fsr-3162	605	32	.	.	PUNCT
fsr-3162	606	1	how	how	SCONJ
fsr-3162	606	2	financial	financial	ADJ
fsr-3162	606	3	literacy	literacy	NOUN
fsr-3162	606	4	affects	affect	VERB
fsr-3162	606	5	household	household	NOUN
fsr-3162	606	6	wealth	wealth	NOUN
fsr-3162	606	7	accumulation	accumulation	NOUN
fsr-3162	606	8	.	.	PUNCT
fsr-3162	607	1	the	the	DET
fsr-3162	607	2	american	american	PROPN
fsr-3162	607	3	economic	economic	PROPN
fsr-3162	607	4	review	review	PROPN
fsr-3162	607	5	,	,	PUNCT
fsr-3162	607	6	102	102	NUM
fsr-3162	607	7	,	,	PUNCT
fsr-3162	607	8	300	300	NUM
fsr-3162	607	9	-	-	SYM
fsr-3162	607	10	304	304	NUM
fsr-3162	607	11	.	.	PUNCT
fsr-3162	608	1	bernheim	bernheim	PROPN
fsr-3162	608	2	,	,	PUNCT
fsr-3162	608	3	d.	d.	PROPN
fsr-3162	608	4	b.	b.	PROPN
fsr-3162	608	5	,	,	PUNCT
fsr-3162	608	6	garrett	garrett	PROPN
fsr-3162	608	7	,	,	PUNCT
fsr-3162	608	8	d.	d.	PROPN
fsr-3162	608	9	m.	m.	PROPN
fsr-3162	608	10	,	,	PUNCT
fsr-3162	608	11	&	&	CCONJ
fsr-3162	608	12	maki	maki	PROPN
fsr-3162	608	13	,	,	PUNCT
fsr-3162	608	14	d.	d.	PROPN
fsr-3162	608	15	m.	m.	PROPN
fsr-3162	608	16	(	(	PUNCT
fsr-3162	608	17	2001	2001	NUM
fsr-3162	608	18	)	)	PUNCT
fsr-3162	608	19	.	.	PUNCT
fsr-3162	609	1	education	education	NOUN
fsr-3162	609	2	and	and	CCONJ
fsr-3162	609	3	saving	saving	NOUN
fsr-3162	609	4	:	:	PUNCT
fsr-3162	609	5	the	the	DET
fsr-3162	609	6	long	long	ADJ
fsr-3162	609	7	-	-	PUNCT
fsr-3162	609	8	term	term	NOUN
fsr-3162	609	9	effect	effect	NOUN
fsr-3162	609	10	of	of	ADP
fsr-3162	609	11	high	high	ADJ
fsr-3162	609	12	school	school	NOUN
fsr-3162	609	13	financial	financial	ADJ
fsr-3162	609	14	curriculum	curriculum	NOUN
fsr-3162	609	15	mandates	mandate	NOUN
fsr-3162	609	16	.	.	PUNCT
fsr-3162	610	1	journal	journal	NOUN
fsr-3162	610	2	of	of	ADP
fsr-3162	610	3	public	public	ADJ
fsr-3162	610	4	economics	economic	NOUN
fsr-3162	610	5	,	,	PUNCT
fsr-3162	610	6	80	80	NUM
fsr-3162	610	7	,	,	PUNCT
fsr-3162	610	8	435	435	NUM
fsr-3162	610	9	-	-	SYM
fsr-3162	610	10	465	465	NUM
fsr-3162	610	11	.	.	PUNCT
fsr-3162	611	1	bucciol	bucciol	PROPN
fsr-3162	611	2	,	,	PUNCT
fsr-3162	611	3	a.	a.	PROPN
fsr-3162	611	4	,	,	PUNCT
fsr-3162	611	5	&	&	CCONJ
fsr-3162	611	6	veronesi	veronesi	NOUN
fsr-3162	611	7	,	,	PUNCT
fsr-3162	611	8	m.	m.	NOUN
fsr-3162	611	9	(	(	PUNCT
fsr-3162	611	10	2014	2014	NUM
fsr-3162	611	11	)	)	PUNCT
fsr-3162	611	12	.	.	PUNCT
fsr-3162	612	1	teaching	teach	VERB
fsr-3162	612	2	children	child	NOUN
fsr-3162	612	3	to	to	PART
fsr-3162	612	4	save	save	VERB
fsr-3162	612	5	:	:	PUNCT
fsr-3162	612	6	what	what	PRON
fsr-3162	612	7	is	be	AUX
fsr-3162	612	8	the	the	DET
fsr-3162	612	9	best	good	ADJ
fsr-3162	612	10	strategy	strategy	NOUN
fsr-3162	612	11	for	for	ADP
fsr-3162	612	12	lifetime	lifetime	NOUN
fsr-3162	612	13	savings	saving	NOUN
fsr-3162	612	14	?	?	PUNCT
fsr-3162	613	1	journal	journal	NOUN
fsr-3162	613	2	of	of	ADP
fsr-3162	613	3	economic	economic	ADJ
fsr-3162	613	4	psychology	psychology	NOUN
fsr-3162	613	5	,	,	PUNCT
fsr-3162	613	6	45	45	NUM
fsr-3162	613	7	,	,	PUNCT
fsr-3162	613	8	1	1	NUM
fsr-3162	613	9	-	-	SYM
fsr-3162	613	10	17	17	NUM
fsr-3162	613	11	.	.	PUNCT
fsr-3162	614	1	burke	burke	PROPN
fsr-3162	614	2	,	,	PUNCT
fsr-3162	614	3	j.	j.	PROPN
fsr-3162	614	4	,	,	PUNCT
fsr-3162	614	5	collins	collins	PROPN
fsr-3162	614	6	,	,	PUNCT
fsr-3162	614	7	j.	j.	PROPN
fsr-3162	614	8	m.	m.	PROPN
fsr-3162	614	9	,	,	PUNCT
fsr-3162	614	10	&	&	CCONJ
fsr-3162	614	11	urban	urban	PROPN
fsr-3162	614	12	,	,	PUNCT
fsr-3162	614	13	c.	c.	PROPN
fsr-3162	614	14	(	(	PUNCT
fsr-3162	614	15	2020	2020	NUM
fsr-3162	614	16	)	)	PUNCT
fsr-3162	614	17	.	.	PUNCT
fsr-3162	615	1	does	do	AUX
fsr-3162	615	2	state	state	NOUN
fsr-3162	615	3	-	-	PUNCT
fsr-3162	615	4	mandated	mandate	VERB
fsr-3162	615	5	financial	financial	ADJ
fsr-3162	615	6	education	education	NOUN
fsr-3162	615	7	affect	affect	VERB
fsr-3162	615	8	financial	financial	ADJ
fsr-3162	615	9	wellbeing	wellbeing	NOUN
fsr-3162	615	10	?	?	PUNCT
fsr-3162	616	1	center	center	NOUN
fsr-3162	616	2	for	for	ADP
fsr-3162	616	3	financial	financial	ADJ
fsr-3162	616	4	security	security	NOUN
fsr-3162	616	5	working	working	NOUN
fsr-3162	616	6	paper	paper	NOUN
fsr-3162	616	7	.	.	PUNCT
fsr-3162	617	1	available	available	ADJ
fsr-3162	617	2	at	at	ADP
fsr-3162	617	3	https://centerforfinancialsecurity.files	https://centerforfinancialsecurity.files	PROPN
fsr-3162	617	4	.	.	PUNCT
fsr-3162	618	1	wordpress.com/2020/09/state-fin-ed-well-being_burke_collins_urban_final.pdf	wordpress.com/2020/09/state-fin-ed-well-being_burke_collins_urban_final.pdf	PROPN
fsr-3162	618	2	central	central	PROPN
fsr-3162	618	3	council	council	PROPN
fsr-3162	618	4	for	for	ADP
fsr-3162	618	5	financial	financial	ADJ
fsr-3162	618	6	services	service	NOUN
fsr-3162	618	7	information	information	NOUN
fsr-3162	618	8	.	.	PUNCT
fsr-3162	619	1	(	(	PUNCT
fsr-3162	619	2	2016	2016	NUM
fsr-3162	619	3	)	)	PUNCT
fsr-3162	619	4	.	.	PUNCT
fsr-3162	620	1	financial	financial	ADJ
fsr-3162	620	2	literacy	literacy	NOUN
fsr-3162	620	3	survey	survey	NOUN
fsr-3162	620	4	:	:	PUNCT
fsr-3162	620	5	2016	2016	NUM
fsr-3162	620	6	results	result	NOUN
fsr-3162	620	7	.	.	PUNCT
fsr-3162	621	1	available	available	ADJ
fsr-3162	621	2	at	at	ADP
fsr-3162	621	3	https://www.shiruporuto.jp/e/survey/kinyulite/pdf/16kinyulite.pdf	https://www.shiruporuto.jp/e/survey/kinyulite/pdf/16kinyulite.pdf	X
fsr-3162	621	4	central	central	PROPN
fsr-3162	621	5	council	council	PROPN
fsr-3162	621	6	for	for	ADP
fsr-3162	621	7	financial	financial	ADJ
fsr-3162	621	8	services	service	NOUN
fsr-3162	621	9	information	information	NOUN
fsr-3162	621	10	.	.	PUNCT
fsr-3162	622	1	(	(	PUNCT
fsr-3162	622	2	2019	2019	NUM
fsr-3162	622	3	)	)	PUNCT
fsr-3162	622	4	.	.	PUNCT
fsr-3162	623	1	financial	financial	ADJ
fsr-3162	623	2	literacy	literacy	NOUN
fsr-3162	623	3	survey	survey	NOUN
fsr-3162	623	4	:	:	PUNCT
fsr-3162	623	5	2016	2016	NUM
fsr-3162	623	6	results	result	NOUN
fsr-3162	623	7	.	.	PUNCT
fsr-3162	624	1	available	available	ADJ
fsr-3162	624	2	at	at	ADP
fsr-3162	624	3	https://www.shiruporuto.jp/e/survey/kinyulite/pdf/19kinyulite.pdf	https://www.shiruporuto.jp/e/survey/kinyulite/pdf/19kinyulite.pdf	PROPN
fsr-3162	624	4	cole	cole	PROPN
fsr-3162	624	5	,	,	PUNCT
fsr-3162	624	6	s.	s.	PROPN
fsr-3162	624	7	,	,	PUNCT
fsr-3162	624	8	paulson	paulson	PROPN
fsr-3162	624	9	,	,	PUNCT
fsr-3162	624	10	a.	a.	PROPN
fsr-3162	624	11	,	,	PUNCT
fsr-3162	624	12	&	&	CCONJ
fsr-3162	624	13	shastry	shastry	PROPN
fsr-3162	624	14	,	,	PUNCT
fsr-3162	624	15	g.	g.	PROPN
fsr-3162	624	16	k.	k.	PROPN
fsr-3162	625	1	(	(	PUNCT
fsr-3162	625	2	2016	2016	NUM
fsr-3162	625	3	)	)	PUNCT
fsr-3162	625	4	.	.	PUNCT
fsr-3162	626	1	high	high	ADJ
fsr-3162	626	2	school	school	NOUN
fsr-3162	626	3	curriculum	curriculum	NOUN
fsr-3162	626	4	and	and	CCONJ
fsr-3162	626	5	financial	financial	ADJ
fsr-3162	626	6	outcomes	outcome	NOUN
fsr-3162	626	7	the	the	DET
fsr-3162	626	8	impact	impact	NOUN
fsr-3162	626	9	of	of	ADP
fsr-3162	626	10	mandated	mandate	VERB
fsr-3162	626	11	personal	personal	ADJ
fsr-3162	626	12	finance	finance	NOUN
fsr-3162	626	13	and	and	CCONJ
fsr-3162	626	14	mathematics	mathematic	NOUN
fsr-3162	626	15	courses	course	NOUN
fsr-3162	626	16	.	.	PUNCT
fsr-3162	627	1	journal	journal	NOUN
fsr-3162	627	2	of	of	ADP
fsr-3162	627	3	human	human	ADJ
fsr-3162	627	4	resources	resource	NOUN
fsr-3162	627	5	,	,	PUNCT
fsr-3162	627	6	51	51	NUM
fsr-3162	627	7	,	,	PUNCT
fsr-3162	627	8	656	656	NUM
fsr-3162	627	9	-	-	SYM
fsr-3162	627	10	698	698	NUM
fsr-3162	627	11	.	.	PUNCT
fsr-3162	628	1	consumer	consumer	NOUN
fsr-3162	628	2	financial	financial	PROPN
fsr-3162	628	3	protection	protection	PROPN
fsr-3162	628	4	bureau	bureau	PROPN
fsr-3162	628	5	.	.	PUNCT
fsr-3162	629	1	(	(	PUNCT
fsr-3162	629	2	2016	2016	NUM
fsr-3162	629	3	)	)	PUNCT
fsr-3162	629	4	.	.	PUNCT
fsr-3162	630	1	building	build	VERB
fsr-3162	630	2	blocks	block	NOUN
fsr-3162	630	3	to	to	PART
fsr-3162	630	4	telp	telp	VERB
fsr-3162	630	5	youth	youth	NOUN
fsr-3162	630	6	achieve	achieve	VERB
fsr-3162	630	7	financial	financial	ADJ
fsr-3162	630	8	capability	capability	NOUN
fsr-3162	630	9	.	.	PUNCT
fsr-3162	631	1	washington	washington	PROPN
fsr-3162	631	2	,	,	PUNCT
fsr-3162	631	3	dc	dc	PROPN
fsr-3162	631	4	:	:	PUNCT
fsr-3162	631	5	consumer	consumer	NOUN
fsr-3162	631	6	financial	financial	PROPN
fsr-3162	631	7	protection	protection	PROPN
fsr-3162	631	8	bureau	bureau	PROPN
fsr-3162	631	9	.	.	PUNCT
fsr-3162	632	1	despard	despard	ADJ
fsr-3162	632	2	,	,	PUNCT
fsr-3162	632	3	m.	m.	PROPN
fsr-3162	632	4	r.	r.	PROPN
fsr-3162	632	5	,	,	PUNCT
fsr-3162	632	6	friedline	friedline	PROPN
fsr-3162	632	7	,	,	PUNCT
fsr-3162	632	8	t.	t.	PROPN
fsr-3162	632	9	,	,	PUNCT
fsr-3162	632	10	&	&	CCONJ
fsr-3162	632	11	martin	martin	PROPN
fsr-3162	632	12	-	-	PUNCT
fsr-3162	632	13	west	west	PROPN
fsr-3162	632	14	,	,	PUNCT
fsr-3162	632	15	s.	s.	PROPN
fsr-3162	632	16	(	(	PUNCT
fsr-3162	632	17	2020	2020	NUM
fsr-3162	632	18	)	)	PUNCT
fsr-3162	632	19	.	.	PUNCT
fsr-3162	633	1	why	why	SCONJ
fsr-3162	633	2	households	household	NOUN
fsr-3162	633	3	lack	lack	VERB
fsr-3162	633	4	emergency	emergency	NOUN
fsr-3162	633	5	savings	saving	NOUN
fsr-3162	633	6	?	?	PUNCT
fsr-3162	634	1	the	the	DET
fsr-3162	634	2	role	role	NOUN
fsr-3162	634	3	of	of	ADP
fsr-3162	634	4	financial	financial	ADJ
fsr-3162	634	5	capability	capability	NOUN
fsr-3162	634	6	.	.	PUNCT
fsr-3162	635	1	journal	journal	NOUN
fsr-3162	635	2	of	of	ADP
fsr-3162	635	3	family	family	NOUN
fsr-3162	635	4	and	and	CCONJ
fsr-3162	635	5	economic	economic	ADJ
fsr-3162	635	6	issues	issue	NOUN
fsr-3162	635	7	,	,	PUNCT
fsr-3162	635	8	41	41	NUM
fsr-3162	635	9	,	,	PUNCT
fsr-3162	635	10	542	542	NUM
fsr-3162	635	11	-	-	SYM
fsr-3162	635	12	557	557	NUM
fsr-3162	635	13	.	.	PUNCT
fsr-3162	636	1	disney	disney	PROPN
fsr-3162	636	2	,	,	PUNCT
fsr-3162	636	3	r.	r.	PROPN
fsr-3162	636	4	,	,	PUNCT
fsr-3162	636	5	&	&	CCONJ
fsr-3162	636	6	gathergood	gathergood	PROPN
fsr-3162	636	7	,	,	PUNCT
fsr-3162	636	8	j.	j.	PROPN
fsr-3162	636	9	(	(	PUNCT
fsr-3162	636	10	2013	2013	NUM
fsr-3162	636	11	)	)	PUNCT
fsr-3162	636	12	.	.	PUNCT
fsr-3162	637	1	financial	financial	ADJ
fsr-3162	637	2	literacy	literacy	NOUN
fsr-3162	637	3	and	and	CCONJ
fsr-3162	637	4	consumer	consumer	NOUN
fsr-3162	637	5	credit	credit	NOUN
fsr-3162	637	6	portfolios	portfolio	NOUN
fsr-3162	637	7	.	.	PUNCT
fsr-3162	638	1	journal	journal	NOUN
fsr-3162	638	2	of	of	ADP
fsr-3162	638	3	banking	banking	NOUN
fsr-3162	638	4	&	&	CCONJ
fsr-3162	638	5	finance	finance	PROPN
fsr-3162	638	6	,	,	PUNCT
fsr-3162	638	7	37	37	NUM
fsr-3162	638	8	,	,	PUNCT
fsr-3162	638	9	2246	2246	NUM
fsr-3162	638	10	-	-	SYM
fsr-3162	638	11	2254	2254	NUM
fsr-3162	638	12	.	.	PUNCT
fsr-3162	639	1	fernandes	fernandes	PROPN
fsr-3162	639	2	,	,	PUNCT
fsr-3162	639	3	d.	d.	PROPN
fsr-3162	639	4	,	,	PUNCT
fsr-3162	639	5	lynch	lynch	PROPN
fsr-3162	639	6	,	,	PUNCT
fsr-3162	639	7	j.	j.	PROPN
fsr-3162	639	8	g.	g.	PROPN
fsr-3162	639	9	,	,	PUNCT
fsr-3162	639	10	jr	jr	PROPN
fsr-3162	639	11	.	.	PROPN
fsr-3162	639	12	,	,	PUNCT
fsr-3162	639	13	&	&	CCONJ
fsr-3162	639	14	netemeyer	netemeyer	PROPN
fsr-3162	639	15	,	,	PUNCT
fsr-3162	639	16	r.	r.	PROPN
fsr-3162	639	17	g.	g.	PROPN
fsr-3162	639	18	(	(	PUNCT
fsr-3162	639	19	2014	2014	NUM
fsr-3162	639	20	)	)	PUNCT
fsr-3162	639	21	.	.	PUNCT
fsr-3162	640	1	financial	financial	ADJ
fsr-3162	640	2	literacy	literacy	NOUN
fsr-3162	640	3	,	,	PUNCT
fsr-3162	640	4	financial	financial	ADJ
fsr-3162	640	5	education	education	NOUN
fsr-3162	640	6	,	,	PUNCT
fsr-3162	640	7	and	and	CCONJ
fsr-3162	640	8	downstream	downstream	ADJ
fsr-3162	640	9	financial	financial	ADJ
fsr-3162	640	10	behaviors.management	behaviors.management	NOUN
fsr-3162	640	11	science	science	NOUN
fsr-3162	640	12	,	,	PUNCT
fsr-3162	640	13	60	60	NUM
fsr-3162	640	14	,	,	PUNCT
fsr-3162	640	15	1861	1861	NUM
fsr-3162	640	16	-	-	SYM
fsr-3162	640	17	1883	1883	NUM
fsr-3162	640	18	.	.	PUNCT
fsr-3162	641	1	318	318	NUM
fsr-3162	641	2	t.-m	t.-m	NOUN
fsr-3162	641	3	.	.	PUNCT
fsr-3162	642	1	yeh	yeh	PROPN
fsr-3162	642	2	/	/	SYM
fsr-3162	642	3	financial	financial	ADJ
fsr-3162	642	4	services	service	NOUN
fsr-3162	642	5	review	review	VERB
fsr-3162	642	6	30	30	NUM
fsr-3162	642	7	(	(	PUNCT
fsr-3162	642	8	2022	2022	NUM
fsr-3162	642	9	)	)	PUNCT
fsr-3162	642	10	297–320	297–320	NUM
fsr-3162	642	11	financial	financial	ADJ
fsr-3162	642	12	education	education	NOUN
fsr-3162	642	13	promotion	promotion	NOUN
fsr-3162	642	14	study	study	NOUN
fsr-3162	642	15	group	group	NOUN
fsr-3162	642	16	.	.	PUNCT
fsr-3162	643	1	(	(	PUNCT
fsr-3162	643	2	2014	2014	NUM
fsr-3162	643	3	)	)	PUNCT
fsr-3162	643	4	.	.	PUNCT
fsr-3162	644	1	report	report	NOUN
fsr-3162	644	2	on	on	ADP
fsr-3162	644	3	financial	financial	ADJ
fsr-3162	644	4	education	education	NOUN
fsr-3162	644	5	in	in	ADP
fsr-3162	644	6	junior	junior	ADJ
fsr-3162	644	7	and	and	CCONJ
fsr-3162	644	8	senior	senior	ADJ
fsr-3162	644	9	high	high	ADJ
fsr-3162	644	10	schools	school	NOUN
fsr-3162	644	11	(	(	PUNCT
fsr-3162	644	12	in	in	ADP
fsr-3162	644	13	japanese	japanese	PROPN
fsr-3162	644	14	)	)	PUNCT
fsr-3162	644	15	.	.	PUNCT
fsr-3162	645	1	available	available	ADJ
fsr-3162	645	2	at	at	ADP
fsr-3162	645	3	https://www.jsda.or.jp/about/kaigi/chousa/kenkyukai/content/jittai_rep	https://www.jsda.or.jp/about/kaigi/chousa/kenkyukai/content/jittai_rep	PROPN
fsr-3162	645	4	.	.	PROPN
fsr-3162	645	5	pdf	pdf	PROPN
fsr-3162	645	6	fox	fox	PROPN
fsr-3162	645	7	,	,	PUNCT
fsr-3162	645	8	j.	j.	PROPN
fsr-3162	645	9	,	,	PUNCT
fsr-3162	645	10	bartholomae	bartholomae	PROPN
fsr-3162	645	11	,	,	PUNCT
fsr-3162	645	12	s.	s.	PROPN
fsr-3162	645	13	,	,	PUNCT
fsr-3162	645	14	&	&	CCONJ
fsr-3162	645	15	lee	lee	PROPN
fsr-3162	645	16	,	,	PUNCT
fsr-3162	645	17	j.	j.	PROPN
fsr-3162	645	18	(	(	PUNCT
fsr-3162	645	19	2005	2005	NUM
fsr-3162	645	20	)	)	PUNCT
fsr-3162	645	21	.	.	PUNCT
fsr-3162	646	1	building	build	VERB
fsr-3162	646	2	the	the	DET
fsr-3162	646	3	case	case	NOUN
fsr-3162	646	4	for	for	ADP
fsr-3162	646	5	financial	financial	ADJ
fsr-3162	646	6	education	education	NOUN
fsr-3162	646	7	.	.	PUNCT
fsr-3162	647	1	journal	journal	NOUN
fsr-3162	647	2	of	of	ADP
fsr-3162	647	3	consumer	consumer	NOUN
fsr-3162	647	4	affairs	affair	NOUN
fsr-3162	647	5	,	,	PUNCT
fsr-3162	647	6	39	39	NUM
fsr-3162	647	7	,	,	PUNCT
fsr-3162	647	8	195	195	NUM
fsr-3162	647	9	-	-	SYM
fsr-3162	647	10	214	214	NUM
fsr-3162	647	11	.	.	PUNCT
fsr-3162	648	1	frisancho	frisancho	NOUN
fsr-3162	648	2	,	,	PUNCT
fsr-3162	648	3	v.	v.	PROPN
fsr-3162	648	4	(	(	PUNCT
fsr-3162	648	5	2018	2018	NUM
fsr-3162	648	6	)	)	PUNCT
fsr-3162	648	7	.	.	PUNCT
fsr-3162	649	1	the	the	DET
fsr-3162	649	2	impact	impact	NOUN
fsr-3162	649	3	of	of	ADP
fsr-3162	649	4	school	school	NOUN
fsr-3162	649	5	-	-	PUNCT
fsr-3162	649	6	based	base	VERB
fsr-3162	649	7	financial	financial	ADJ
fsr-3162	649	8	education	education	NOUN
fsr-3162	649	9	on	on	ADP
fsr-3162	649	10	high	high	ADJ
fsr-3162	649	11	school	school	NOUN
fsr-3162	649	12	students	student	NOUN
fsr-3162	649	13	and	and	CCONJ
fsr-3162	649	14	their	their	PRON
fsr-3162	649	15	teachers	teacher	NOUN
fsr-3162	649	16	:	:	PUNCT
fsr-3162	649	17	experimental	experimental	ADJ
fsr-3162	649	18	evidence	evidence	NOUN
fsr-3162	649	19	from	from	ADP
fsr-3162	649	20	peru	peru	PROPN
fsr-3162	649	21	.	.	PUNCT
fsr-3162	650	1	idb	idb	PROPN
fsr-3162	650	2	working	working	PROPN
fsr-3162	650	3	paper	paper	PROPN
fsr-3162	650	4	idb	idb	PROPN
fsr-3162	650	5	-	-	PUNCT
fsr-3162	650	6	wp-871	wp-871	PROPN
fsr-3162	650	7	.	.	PUNCT
fsr-3162	651	1	washington	washington	PROPN
fsr-3162	651	2	,	,	PUNCT
fsr-3162	651	3	dc	dc	PROPN
fsr-3162	651	4	:	:	PUNCT
fsr-3162	651	5	interamerican	interamerican	PROPN
fsr-3162	651	6	development	development	PROPN
fsr-3162	651	7	bank	bank	PROPN
fsr-3162	651	8	.	.	PUNCT
fsr-3162	652	1	gathergood	gathergood	PROPN
fsr-3162	652	2	,	,	PUNCT
fsr-3162	652	3	j.	j.	PROPN
fsr-3162	652	4	,	,	PUNCT
fsr-3162	652	5	&	&	CCONJ
fsr-3162	652	6	weber	weber	PROPN
fsr-3162	652	7	,	,	PUNCT
fsr-3162	652	8	j.	j.	PROPN
fsr-3162	652	9	(	(	PUNCT
fsr-3162	652	10	2017	2017	NUM
fsr-3162	652	11	)	)	PUNCT
fsr-3162	652	12	.	.	PUNCT
fsr-3162	653	1	financial	financial	ADJ
fsr-3162	653	2	literacy	literacy	NOUN
fsr-3162	653	3	,	,	PUNCT
fsr-3162	653	4	present	present	ADJ
fsr-3162	653	5	bias	bias	NOUN
fsr-3162	653	6	and	and	CCONJ
fsr-3162	653	7	alternative	alternative	ADJ
fsr-3162	653	8	mortgage	mortgage	NOUN
fsr-3162	653	9	products	product	NOUN
fsr-3162	653	10	.	.	PUNCT
fsr-3162	654	1	journal	journal	NOUN
fsr-3162	654	2	of	of	ADP
fsr-3162	654	3	banking	banking	NOUN
fsr-3162	654	4	&	&	CCONJ
fsr-3162	654	5	finance	finance	PROPN
fsr-3162	654	6	,	,	PUNCT
fsr-3162	654	7	78	78	NUM
fsr-3162	654	8	,	,	PUNCT
fsr-3162	654	9	58	58	NUM
fsr-3162	654	10	-	-	SYM
fsr-3162	654	11	83	83	NUM
fsr-3162	654	12	.	.	PUNCT
fsr-3162	655	1	grinstein	grinstein	NOUN
fsr-3162	655	2	-	-	PUNCT
fsr-3162	655	3	weiss	weiss	PROPN
fsr-3162	655	4	,	,	PUNCT
fsr-3162	655	5	m.	m.	NOUN
fsr-3162	655	6	,	,	PUNCT
fsr-3162	655	7	spader	spader	PROPN
fsr-3162	655	8	,	,	PUNCT
fsr-3162	655	9	j.	j.	PROPN
fsr-3162	655	10	,	,	PUNCT
fsr-3162	655	11	yeo	yeo	PROPN
fsr-3162	655	12	,	,	PUNCT
fsr-3162	655	13	y.	y.	PROPN
fsr-3162	655	14	h.	h.	PROPN
fsr-3162	655	15	,	,	PUNCT
fsr-3162	655	16	taylor	taylor	PROPN
fsr-3162	655	17	,	,	PUNCT
fsr-3162	655	18	a.	a.	PROPN
fsr-3162	655	19	,	,	PUNCT
fsr-3162	655	20	&	&	CCONJ
fsr-3162	655	21	books	book	NOUN
fsr-3162	655	22	freeze	freeze	VERB
fsr-3162	655	23	,	,	PUNCT
fsr-3162	655	24	e.	e.	PROPN
fsr-3162	655	25	(	(	PUNCT
fsr-3162	655	26	2011	2011	NUM
fsr-3162	655	27	)	)	PUNCT
fsr-3162	655	28	.	.	PUNCT
fsr-3162	656	1	parental	parental	ADJ
fsr-3162	656	2	transfer	transfer	NOUN
fsr-3162	656	3	of	of	ADP
fsr-3162	656	4	financial	financial	ADJ
fsr-3162	656	5	knowledge	knowledge	NOUN
fsr-3162	656	6	and	and	CCONJ
fsr-3162	656	7	later	later	ADJ
fsr-3162	656	8	credit	credit	NOUN
fsr-3162	656	9	outcomes	outcome	NOUN
fsr-3162	656	10	among	among	ADP
fsr-3162	656	11	lowand	lowand	ADJ
fsr-3162	656	12	moderate	moderate	ADJ
fsr-3162	656	13	-	-	PUNCT
fsr-3162	656	14	income	income	NOUN
fsr-3162	656	15	homeowners	homeowner	NOUN
fsr-3162	656	16	.	.	PUNCT
fsr-3162	657	1	children	child	NOUN
fsr-3162	657	2	and	and	CCONJ
fsr-3162	657	3	youth	youth	NOUN
fsr-3162	657	4	services	service	NOUN
fsr-3162	657	5	review	review	PROPN
fsr-3162	657	6	,	,	PUNCT
fsr-3162	657	7	33	33	NUM
fsr-3162	657	8	,	,	PUNCT
fsr-3162	657	9	78	78	NUM
fsr-3162	657	10	-	-	SYM
fsr-3162	657	11	85	85	NUM
fsr-3162	657	12	.	.	PUNCT
fsr-3162	657	13	gudmunson	gudmunson	PROPN
fsr-3162	657	14	,	,	PUNCT
fsr-3162	657	15	c.	c.	PROPN
fsr-3162	657	16	g.	g.	PROPN
fsr-3162	657	17	,	,	PUNCT
fsr-3162	657	18	&	&	CCONJ
fsr-3162	657	19	danes	danes	PROPN
fsr-3162	657	20	,	,	PUNCT
fsr-3162	657	21	s.	s.	PROPN
fsr-3162	657	22	m.	m.	PROPN
fsr-3162	657	23	(	(	PUNCT
fsr-3162	657	24	2011	2011	NUM
fsr-3162	657	25	)	)	PUNCT
fsr-3162	657	26	.	.	PUNCT
fsr-3162	658	1	family	family	NOUN
fsr-3162	658	2	financial	financial	ADJ
fsr-3162	658	3	socialization	socialization	NOUN
fsr-3162	658	4	:	:	PUNCT
fsr-3162	658	5	theory	theory	NOUN
fsr-3162	658	6	and	and	CCONJ
fsr-3162	658	7	critical	critical	ADJ
fsr-3162	658	8	review	review	NOUN
fsr-3162	658	9	.	.	PUNCT
fsr-3162	659	1	journal	journal	PROPN
fsr-3162	659	2	of	of	ADP
fsr-3162	659	3	family	family	NOUN
fsr-3162	659	4	and	and	CCONJ
fsr-3162	659	5	economic	economic	ADJ
fsr-3162	659	6	issues	issue	NOUN
fsr-3162	659	7	,	,	PUNCT
fsr-3162	659	8	32	32	NUM
fsr-3162	659	9	,	,	PUNCT
fsr-3162	659	10	644	644	NUM
fsr-3162	659	11	-	-	SYM
fsr-3162	659	12	667	667	NUM
fsr-3162	659	13	.	.	PUNCT
fsr-3162	660	1	hanson	hanson	PROPN
fsr-3162	660	2	,	,	PUNCT
fsr-3162	660	3	t.	t.	PROPN
fsr-3162	660	4	a.	a.	PROPN
fsr-3162	660	5	,	,	PUNCT
fsr-3162	660	6	&	&	CCONJ
fsr-3162	660	7	olson	olson	PROPN
fsr-3162	660	8	,	,	PUNCT
fsr-3162	660	9	p.	p.	NOUN
fsr-3162	660	10	m.	m.	NOUN
fsr-3162	660	11	(	(	PUNCT
fsr-3162	660	12	2018	2018	NUM
fsr-3162	660	13	)	)	PUNCT
fsr-3162	660	14	.	.	PUNCT
fsr-3162	661	1	financial	financial	ADJ
fsr-3162	661	2	literacy	literacy	NOUN
fsr-3162	661	3	and	and	CCONJ
fsr-3162	661	4	family	family	NOUN
fsr-3162	661	5	communication	communication	NOUN
fsr-3162	661	6	patterns	pattern	NOUN
fsr-3162	661	7	.	.	PUNCT
fsr-3162	662	1	journal	journal	NOUN
fsr-3162	662	2	of	of	ADP
fsr-3162	662	3	behavioral	behavioral	ADJ
fsr-3162	662	4	and	and	CCONJ
fsr-3162	662	5	experimental	experimental	ADJ
fsr-3162	662	6	finance	finance	NOUN
fsr-3162	662	7	,	,	PUNCT
fsr-3162	662	8	19	19	NUM
fsr-3162	662	9	,	,	PUNCT
fsr-3162	662	10	64	64	NUM
fsr-3162	662	11	-	-	SYM
fsr-3162	662	12	71	71	NUM
fsr-3162	662	13	.	.	PUNCT
fsr-3162	663	1	harvey	harvey	NOUN
fsr-3162	663	2	,	,	PUNCT
fsr-3162	663	3	m.	m.	NOUN
fsr-3162	663	4	(	(	PUNCT
fsr-3162	663	5	2019a	2019a	NUM
fsr-3162	663	6	)	)	PUNCT
fsr-3162	663	7	.	.	PUNCT
fsr-3162	664	1	impact	impact	NOUN
fsr-3162	664	2	of	of	ADP
fsr-3162	664	3	financial	financial	ADJ
fsr-3162	664	4	education	education	NOUN
fsr-3162	664	5	mandates	mandate	NOUN
fsr-3162	664	6	on	on	ADP
fsr-3162	664	7	younger	young	ADJ
fsr-3162	664	8	consumers	consumer	NOUN
fsr-3162	664	9	’	'	PUNCT
fsr-3162	664	10	use	use	NOUN
fsr-3162	664	11	of	of	ADP
fsr-3162	664	12	alternative	alternative	ADJ
fsr-3162	664	13	financial	financial	ADJ
fsr-3162	664	14	services	service	NOUN
fsr-3162	664	15	.	.	PUNCT
fsr-3162	665	1	journal	journal	NOUN
fsr-3162	665	2	of	of	ADP
fsr-3162	665	3	consumer	consumer	NOUN
fsr-3162	665	4	affairs	affair	NOUN
fsr-3162	665	5	,	,	PUNCT
fsr-3162	665	6	53	53	NUM
fsr-3162	665	7	,	,	PUNCT
fsr-3162	665	8	731	731	NUM
fsr-3162	665	9	-	-	SYM
fsr-3162	665	10	769	769	NUM
fsr-3162	665	11	.	.	PUNCT
fsr-3162	666	1	harvey	harvey	PROPN
fsr-3162	666	2	,	,	PUNCT
fsr-3162	666	3	m.	m.	NOUN
fsr-3162	666	4	(	(	PUNCT
fsr-3162	666	5	2019b	2019b	NUM
fsr-3162	666	6	)	)	PUNCT
fsr-3162	666	7	.	.	PUNCT
fsr-3162	667	1	does	do	AUX
fsr-3162	667	2	state	state	NOUN
fsr-3162	667	3	-	-	PUNCT
fsr-3162	667	4	mandated	mandate	VERB
fsr-3162	667	5	high	high	ADJ
fsr-3162	667	6	school	school	NOUN
fsr-3162	667	7	financial	financial	ADJ
fsr-3162	667	8	education	education	NOUN
fsr-3162	667	9	affect	affect	VERB
fsr-3162	667	10	savings	saving	NOUN
fsr-3162	667	11	by	by	ADP
fsr-3162	667	12	low	low	ADJ
fsr-3162	667	13	-	-	PUNCT
fsr-3162	667	14	income	income	NOUN
fsr-3162	667	15	households	household	NOUN
fsr-3162	667	16	?	?	PUNCT
fsr-3162	668	1	working	work	VERB
fsr-3162	668	2	paper	paper	NOUN
fsr-3162	668	3	.	.	PUNCT
fsr-3162	669	1	available	available	ADJ
fsr-3162	669	2	at	at	ADP
fsr-3162	669	3	https://static1.squarespace.com/static/5c4d314bb27e3999d515a9e4/t/	https://static1.squarespace.com/static/5c4d314bb27e3999d515a9e4/t/	PROPN
fsr-3162	669	4	5e0a1b2841180e2960023175/1577720633380	5e0a1b2841180e2960023175/1577720633380	NUM
fsr-3162	669	5	/	/	SYM
fsr-3162	669	6	harvey_fined_savings_working+paper_v20191230.pdf	harvey_fined_savings_working+paper_v20191230.pdf	NOUN
fsr-3162	669	7	jappelli	jappelli	PROPN
fsr-3162	669	8	,	,	PUNCT
fsr-3162	669	9	t.	t.	PROPN
fsr-3162	669	10	,	,	PUNCT
fsr-3162	669	11	&	&	CCONJ
fsr-3162	669	12	padula	padula	NOUN
fsr-3162	669	13	,	,	PUNCT
fsr-3162	669	14	m.	m.	NOUN
fsr-3162	669	15	(	(	PUNCT
fsr-3162	669	16	2013	2013	NUM
fsr-3162	669	17	)	)	PUNCT
fsr-3162	669	18	.	.	PUNCT
fsr-3162	670	1	investing	invest	VERB
fsr-3162	670	2	in	in	ADP
fsr-3162	670	3	financial	financial	ADJ
fsr-3162	670	4	literacy	literacy	NOUN
fsr-3162	670	5	and	and	CCONJ
fsr-3162	670	6	saving	saving	NOUN
fsr-3162	670	7	decisions	decision	NOUN
fsr-3162	670	8	.	.	PUNCT
fsr-3162	671	1	journal	journal	NOUN
fsr-3162	671	2	of	of	ADP
fsr-3162	671	3	banking	banking	NOUN
fsr-3162	671	4	&	&	CCONJ
fsr-3162	671	5	finance	finance	PROPN
fsr-3162	671	6	,	,	PUNCT
fsr-3162	671	7	37	37	NUM
fsr-3162	671	8	,	,	PUNCT
fsr-3162	671	9	2779	2779	NUM
fsr-3162	671	10	-	-	SYM
fsr-3162	671	11	2792	2792	NUM
fsr-3162	671	12	.	.	PUNCT
fsr-3162	672	1	jorgensen	jorgensen	PROPN
fsr-3162	672	2	,	,	PUNCT
fsr-3162	672	3	b.	b.	PROPN
fsr-3162	672	4	l.	l.	PROPN
fsr-3162	672	5	,	,	PUNCT
fsr-3162	672	6	allsop	allsop	PROPN
fsr-3162	672	7	,	,	PUNCT
fsr-3162	672	8	d.	d.	PROPN
fsr-3162	672	9	b.	b.	PROPN
fsr-3162	672	10	,	,	PUNCT
fsr-3162	672	11	runyan	runyan	PROPN
fsr-3162	672	12	,	,	PUNCT
fsr-3162	672	13	s.	s.	PROPN
fsr-3162	672	14	d.	d.	PROPN
fsr-3162	672	15	,	,	PUNCT
fsr-3162	672	16	wheeler	wheeler	NOUN
fsr-3162	672	17	,	,	PUNCT
fsr-3162	672	18	b.	b.	PROPN
fsr-3162	672	19	e.	e.	PROPN
fsr-3162	672	20	,	,	PUNCT
fsr-3162	672	21	evans	evans	PROPN
fsr-3162	672	22	,	,	PUNCT
fsr-3162	672	23	d.	d.	PROPN
fsr-3162	672	24	a.	a.	PROPN
fsr-3162	672	25	,	,	PUNCT
fsr-3162	672	26	&	&	CCONJ
fsr-3162	672	27	marks	marks	PROPN
fsr-3162	672	28	,	,	PUNCT
fsr-3162	672	29	l.	l.	PROPN
fsr-3162	672	30	d.	d.	PROPN
fsr-3162	672	31	(	(	PUNCT
fsr-3162	672	32	2019	2019	NUM
fsr-3162	672	33	)	)	PUNCT
fsr-3162	672	34	.	.	PUNCT
fsr-3162	673	1	forming	form	VERB
fsr-3162	673	2	financial	financial	ADJ
fsr-3162	673	3	vision	vision	NOUN
fsr-3162	673	4	:	:	PUNCT
fsr-3162	673	5	how	how	SCONJ
fsr-3162	673	6	parents	parent	NOUN
fsr-3162	673	7	prepare	prepare	VERB
fsr-3162	673	8	young	young	ADJ
fsr-3162	673	9	adults	adult	NOUN
fsr-3162	673	10	for	for	ADP
fsr-3162	673	11	financial	financial	ADJ
fsr-3162	673	12	success	success	NOUN
fsr-3162	673	13	.	.	PUNCT
fsr-3162	674	1	journal	journal	NOUN
fsr-3162	674	2	of	of	ADP
fsr-3162	674	3	family	family	NOUN
fsr-3162	674	4	and	and	CCONJ
fsr-3162	674	5	economic	economic	ADJ
fsr-3162	674	6	issues	issue	NOUN
fsr-3162	674	7	,	,	PUNCT
fsr-3162	674	8	40	40	NUM
fsr-3162	674	9	,	,	PUNCT
fsr-3162	674	10	553	553	NUM
fsr-3162	674	11	-	-	SYM
fsr-3162	674	12	563	563	NUM
fsr-3162	674	13	.	.	PUNCT
fsr-3162	675	1	kaiser	kaiser	NOUN
fsr-3162	675	2	,	,	PUNCT
fsr-3162	675	3	t.	t.	PROPN
fsr-3162	675	4	,	,	PUNCT
fsr-3162	675	5	&	&	CCONJ
fsr-3162	675	6	menkhoff	menkhoff	PROPN
fsr-3162	675	7	,	,	PUNCT
fsr-3162	675	8	l.	l.	PROPN
fsr-3162	675	9	(	(	PUNCT
fsr-3162	675	10	2017	2017	NUM
fsr-3162	675	11	)	)	PUNCT
fsr-3162	675	12	.	.	PUNCT
fsr-3162	676	1	does	do	VERB
fsr-3162	676	2	financial	financial	ADJ
fsr-3162	676	3	education	education	NOUN
fsr-3162	676	4	impact	impact	NOUN
fsr-3162	676	5	financial	financial	ADJ
fsr-3162	676	6	literacy	literacy	NOUN
fsr-3162	676	7	and	and	CCONJ
fsr-3162	676	8	financial	financial	ADJ
fsr-3162	676	9	behavior	behavior	NOUN
fsr-3162	676	10	,	,	PUNCT
fsr-3162	676	11	and	and	CCONJ
fsr-3162	676	12	if	if	SCONJ
fsr-3162	676	13	so	so	ADV
fsr-3162	676	14	,	,	PUNCT
fsr-3162	676	15	when	when	SCONJ
fsr-3162	676	16	?	?	PUNCT
fsr-3162	677	1	the	the	DET
fsr-3162	677	2	world	world	PROPN
fsr-3162	677	3	bank	bank	PROPN
fsr-3162	677	4	economic	economic	PROPN
fsr-3162	677	5	review	review	PROPN
fsr-3162	677	6	,	,	PUNCT
fsr-3162	677	7	31	31	NUM
fsr-3162	677	8	,	,	PUNCT
fsr-3162	677	9	611	611	NUM
fsr-3162	677	10	-	-	SYM
fsr-3162	677	11	630	630	NUM
fsr-3162	677	12	.	.	PUNCT
fsr-3162	678	1	kaiser	kaiser	NOUN
fsr-3162	678	2	,	,	PUNCT
fsr-3162	678	3	t.	t.	PROPN
fsr-3162	678	4	,	,	PUNCT
fsr-3162	678	5	&	&	CCONJ
fsr-3162	678	6	menkhoff	menkhoff	PROPN
fsr-3162	678	7	,	,	PUNCT
fsr-3162	678	8	l.	l.	PROPN
fsr-3162	678	9	(	(	PUNCT
fsr-3162	678	10	2020	2020	NUM
fsr-3162	678	11	)	)	PUNCT
fsr-3162	678	12	.	.	PUNCT
fsr-3162	679	1	financial	financial	ADJ
fsr-3162	679	2	education	education	NOUN
fsr-3162	679	3	in	in	ADP
fsr-3162	679	4	schools	school	NOUN
fsr-3162	679	5	:	:	PUNCT
fsr-3162	679	6	a	a	DET
fsr-3162	679	7	meta	meta	ADJ
fsr-3162	679	8	-	-	PUNCT
fsr-3162	679	9	analysis	analysis	NOUN
fsr-3162	679	10	of	of	ADP
fsr-3162	679	11	experimental	experimental	ADJ
fsr-3162	679	12	studies	study	NOUN
fsr-3162	679	13	.	.	PUNCT
fsr-3162	680	1	economics	economic	NOUN
fsr-3162	680	2	of	of	ADP
fsr-3162	680	3	education	education	PROPN
fsr-3162	680	4	review	review	NOUN
fsr-3162	680	5	,	,	PUNCT
fsr-3162	680	6	78	78	NUM
fsr-3162	680	7	,	,	PUNCT
fsr-3162	680	8	101930	101930	NUM
fsr-3162	680	9	.	.	PUNCT
fsr-3162	681	1	kaiser	kaiser	NOUN
fsr-3162	681	2	,	,	PUNCT
fsr-3162	681	3	t.	t.	PROPN
fsr-3162	681	4	,	,	PUNCT
fsr-3162	681	5	lusardi	lusardi	PROPN
fsr-3162	681	6	,	,	PUNCT
fsr-3162	681	7	a.	a.	NOUN
fsr-3162	681	8	,	,	PUNCT
fsr-3162	681	9	menkhoff	menkhoff	PROPN
fsr-3162	681	10	,	,	PUNCT
fsr-3162	681	11	l.	l.	PROPN
fsr-3162	681	12	,	,	PUNCT
fsr-3162	681	13	&	&	CCONJ
fsr-3162	681	14	urban	urban	PROPN
fsr-3162	681	15	,	,	PUNCT
fsr-3162	681	16	c.	c.	NOUN
fsr-3162	681	17	(	(	PUNCT
fsr-3162	681	18	2021	2021	NUM
fsr-3162	681	19	)	)	PUNCT
fsr-3162	681	20	.	.	PUNCT
fsr-3162	682	1	financial	financial	ADJ
fsr-3162	682	2	education	education	NOUN
fsr-3162	682	3	affects	affect	VERB
fsr-3162	682	4	financial	financial	ADJ
fsr-3162	682	5	knowledge	knowledge	NOUN
fsr-3162	682	6	and	and	CCONJ
fsr-3162	682	7	downstream	downstream	ADJ
fsr-3162	682	8	behaviors	behavior	NOUN
fsr-3162	682	9	.	.	PUNCT
fsr-3162	683	1	in	in	ADP
fsr-3162	683	2	print	print	NOUN
fsr-3162	683	3	.	.	PUNCT
fsr-3162	684	1	klapper	klapper	PROPN
fsr-3162	684	2	,	,	PUNCT
fsr-3162	684	3	l.	l.	PROPN
fsr-3162	684	4	,	,	PUNCT
fsr-3162	684	5	lusardi	lusardi	PROPN
fsr-3162	684	6	,	,	PUNCT
fsr-3162	684	7	a.	a.	NOUN
fsr-3162	684	8	,	,	PUNCT
fsr-3162	684	9	&	&	CCONJ
fsr-3162	684	10	panos	panos	PROPN
fsr-3162	684	11	,	,	PUNCT
fsr-3162	684	12	g.	g.	PROPN
fsr-3162	684	13	a.	a.	PROPN
fsr-3162	684	14	(	(	PUNCT
fsr-3162	684	15	2013	2013	NUM
fsr-3162	684	16	)	)	PUNCT
fsr-3162	684	17	.	.	PUNCT
fsr-3162	685	1	financial	financial	ADJ
fsr-3162	685	2	literacy	literacy	NOUN
fsr-3162	685	3	and	and	CCONJ
fsr-3162	685	4	its	its	PRON
fsr-3162	685	5	consequences	consequence	NOUN
fsr-3162	685	6	:	:	PUNCT
fsr-3162	685	7	evidence	evidence	NOUN
fsr-3162	685	8	from	from	ADP
fsr-3162	685	9	russia	russia	PROPN
fsr-3162	685	10	during	during	ADP
fsr-3162	685	11	the	the	DET
fsr-3162	685	12	financial	financial	ADJ
fsr-3162	685	13	crisis	crisis	NOUN
fsr-3162	685	14	.	.	PUNCT
fsr-3162	686	1	journal	journal	NOUN
fsr-3162	686	2	of	of	ADP
fsr-3162	686	3	banking	banking	NOUN
fsr-3162	686	4	&	&	CCONJ
fsr-3162	686	5	finance	finance	PROPN
fsr-3162	686	6	,	,	PUNCT
fsr-3162	686	7	37	37	NUM
fsr-3162	686	8	,	,	PUNCT
fsr-3162	686	9	3904	3904	NUM
fsr-3162	686	10	-	-	SYM
fsr-3162	686	11	3923	3923	NUM
fsr-3162	686	12	.	.	PUNCT
fsr-3162	687	1	lewbel	lewbel	NOUN
fsr-3162	687	2	,	,	PUNCT
fsr-3162	687	3	a.	a.	NOUN
fsr-3162	687	4	(	(	PUNCT
fsr-3162	687	5	2012	2012	NUM
fsr-3162	687	6	)	)	PUNCT
fsr-3162	687	7	.	.	PUNCT
fsr-3162	688	1	using	use	VERB
fsr-3162	688	2	heteroscedasticity	heteroscedasticity	NOUN
fsr-3162	688	3	to	to	PART
fsr-3162	688	4	identify	identify	VERB
fsr-3162	688	5	and	and	CCONJ
fsr-3162	688	6	estimate	estimate	VERB
fsr-3162	688	7	mismeasured	mismeasured	ADJ
fsr-3162	688	8	and	and	CCONJ
fsr-3162	688	9	endogenous	endogenous	ADJ
fsr-3162	688	10	and	and	CCONJ
fsr-3162	688	11	endogenous	endogenous	ADJ
fsr-3162	688	12	regressor	regressor	NOUN
fsr-3162	688	13	models	model	NOUN
fsr-3162	688	14	.	.	PUNCT
fsr-3162	689	1	journal	journal	PROPN
fsr-3162	689	2	of	of	ADP
fsr-3162	689	3	business	business	PROPN
fsr-3162	689	4	&	&	CCONJ
fsr-3162	689	5	economic	economic	ADJ
fsr-3162	689	6	statistics	statistic	NOUN
fsr-3162	689	7	,	,	PUNCT
fsr-3162	689	8	30	30	NUM
fsr-3162	689	9	,	,	PUNCT
fsr-3162	689	10	67	67	NUM
fsr-3162	689	11	-	-	SYM
fsr-3162	689	12	80	80	NUM
fsr-3162	689	13	.	.	PUNCT
fsr-3162	690	1	lusardi	lusardi	PROPN
fsr-3162	690	2	,	,	PUNCT
fsr-3162	690	3	a.	a.	PROPN
fsr-3162	690	4	,	,	PUNCT
fsr-3162	690	5	&	&	CCONJ
fsr-3162	690	6	mitchell	mitchell	PROPN
fsr-3162	690	7	,	,	PUNCT
fsr-3162	690	8	o.	o.	PROPN
fsr-3162	690	9	s.	s.	PROPN
fsr-3162	690	10	(	(	PUNCT
fsr-3162	690	11	2007a	2007a	NUM
fsr-3162	690	12	)	)	PUNCT
fsr-3162	690	13	.	.	PUNCT
fsr-3162	691	1	baby	baby	NOUN
fsr-3162	691	2	boomer	boomer	PROPN
fsr-3162	691	3	retirement	retirement	PROPN
fsr-3162	691	4	security	security	PROPN
fsr-3162	691	5	:	:	PUNCT
fsr-3162	691	6	the	the	DET
fsr-3162	691	7	roles	role	NOUN
fsr-3162	691	8	of	of	ADP
fsr-3162	691	9	planning	planning	NOUN
fsr-3162	691	10	,	,	PUNCT
fsr-3162	691	11	financial	financial	ADJ
fsr-3162	691	12	literacy	literacy	NOUN
fsr-3162	691	13	,	,	PUNCT
fsr-3162	691	14	and	and	CCONJ
fsr-3162	691	15	housing	housing	NOUN
fsr-3162	691	16	wealth	wealth	NOUN
fsr-3162	691	17	.	.	PUNCT
fsr-3162	692	1	journal	journal	PROPN
fsr-3162	692	2	of	of	ADP
fsr-3162	692	3	monetary	monetary	ADJ
fsr-3162	692	4	economics	economic	NOUN
fsr-3162	692	5	,	,	PUNCT
fsr-3162	692	6	54	54	NUM
fsr-3162	692	7	,	,	PUNCT
fsr-3162	692	8	205	205	NUM
fsr-3162	692	9	-	-	SYM
fsr-3162	692	10	224	224	NUM
fsr-3162	692	11	.	.	PUNCT
fsr-3162	693	1	lusardi	lusardi	PROPN
fsr-3162	693	2	,	,	PUNCT
fsr-3162	693	3	a.	a.	PROPN
fsr-3162	693	4	,	,	PUNCT
fsr-3162	693	5	&	&	CCONJ
fsr-3162	693	6	mitchell	mitchell	PROPN
fsr-3162	693	7	,	,	PUNCT
fsr-3162	693	8	o.	o.	PROPN
fsr-3162	693	9	s.	s.	PROPN
fsr-3162	693	10	(	(	PUNCT
fsr-3162	693	11	2007b	2007b	NUM
fsr-3162	693	12	)	)	PUNCT
fsr-3162	693	13	.	.	PUNCT
fsr-3162	694	1	financial	financial	ADJ
fsr-3162	694	2	literacy	literacy	NOUN
fsr-3162	694	3	and	and	CCONJ
fsr-3162	694	4	retirement	retirement	NOUN
fsr-3162	694	5	preparedness	preparedness	NOUN
fsr-3162	694	6	:	:	PUNCT
fsr-3162	694	7	evidence	evidence	NOUN
fsr-3162	694	8	and	and	CCONJ
fsr-3162	694	9	implications	implication	NOUN
fsr-3162	694	10	for	for	ADP
fsr-3162	694	11	financial	financial	ADJ
fsr-3162	694	12	education	education	NOUN
fsr-3162	694	13	.	.	PUNCT
fsr-3162	695	1	business	business	NOUN
fsr-3162	695	2	economics	economic	NOUN
fsr-3162	695	3	,	,	PUNCT
fsr-3162	695	4	42	42	NUM
fsr-3162	695	5	,	,	PUNCT
fsr-3162	695	6	35	35	NUM
fsr-3162	695	7	-	-	SYM
fsr-3162	695	8	44	44	NUM
fsr-3162	695	9	.	.	PUNCT
fsr-3162	696	1	lusardi	lusardi	PROPN
fsr-3162	696	2	,	,	PUNCT
fsr-3162	696	3	a.	a.	PROPN
fsr-3162	696	4	,	,	PUNCT
fsr-3162	696	5	&	&	CCONJ
fsr-3162	696	6	mitchell	mitchell	PROPN
fsr-3162	696	7	,	,	PUNCT
fsr-3162	696	8	o.	o.	PROPN
fsr-3162	696	9	s.	s.	PROPN
fsr-3162	696	10	(	(	PUNCT
fsr-3162	696	11	2014	2014	NUM
fsr-3162	696	12	)	)	PUNCT
fsr-3162	696	13	.	.	PUNCT
fsr-3162	697	1	the	the	DET
fsr-3162	697	2	economic	economic	ADJ
fsr-3162	697	3	importance	importance	NOUN
fsr-3162	697	4	of	of	ADP
fsr-3162	697	5	financial	financial	ADJ
fsr-3162	697	6	literacy	literacy	NOUN
fsr-3162	697	7	:	:	PUNCT
fsr-3162	697	8	theory	theory	NOUN
fsr-3162	697	9	and	and	CCONJ
fsr-3162	697	10	evidence	evidence	NOUN
fsr-3162	697	11	.	.	PUNCT
fsr-3162	698	1	journal	journal	NOUN
fsr-3162	698	2	of	of	ADP
fsr-3162	698	3	economic	economic	ADJ
fsr-3162	698	4	literature	literature	NOUN
fsr-3162	698	5	,	,	PUNCT
fsr-3162	698	6	52	52	NUM
fsr-3162	698	7	,	,	PUNCT
fsr-3162	698	8	5	5	NUM
fsr-3162	698	9	-	-	SYM
fsr-3162	698	10	44	44	NUM
fsr-3162	698	11	.	.	PUNCT
fsr-3162	699	1	lusardi	lusardi	PROPN
fsr-3162	699	2	,	,	PUNCT
fsr-3162	699	3	a.	a.	PROPN
fsr-3162	699	4	,	,	PUNCT
fsr-3162	699	5	mitchell	mitchell	PROPN
fsr-3162	699	6	,	,	PUNCT
fsr-3162	699	7	o.	o.	PROPN
fsr-3162	699	8	s.	s.	PROPN
fsr-3162	699	9	,	,	PUNCT
fsr-3162	699	10	&	&	CCONJ
fsr-3162	699	11	curto	curto	PROPN
fsr-3162	699	12	,	,	PUNCT
fsr-3162	699	13	v.	v.	PROPN
fsr-3162	699	14	(	(	PUNCT
fsr-3162	699	15	2010	2010	NUM
fsr-3162	699	16	)	)	PUNCT
fsr-3162	699	17	.	.	PUNCT
fsr-3162	700	1	financial	financial	ADJ
fsr-3162	700	2	literacy	literacy	NOUN
fsr-3162	700	3	among	among	ADP
fsr-3162	700	4	the	the	DET
fsr-3162	700	5	young	young	ADJ
fsr-3162	700	6	.	.	PUNCT
fsr-3162	701	1	journal	journal	PROPN
fsr-3162	701	2	of	of	ADP
fsr-3162	701	3	consumer	consumer	NOUN
fsr-3162	701	4	affairs	affair	NOUN
fsr-3162	701	5	,	,	PUNCT
fsr-3162	701	6	44	44	NUM
fsr-3162	701	7	,	,	PUNCT
fsr-3162	701	8	358	358	NUM
fsr-3162	701	9	-	-	SYM
fsr-3162	701	10	380	380	NUM
fsr-3162	701	11	.	.	PUNCT
fsr-3162	702	1	messy	messy	ADJ
fsr-3162	702	2	,	,	PUNCT
fsr-3162	702	3	f.	f.	PROPN
fsr-3162	702	4	a.	a.	PROPN
fsr-3162	702	5	,	,	PUNCT
fsr-3162	702	6	&	&	CCONJ
fsr-3162	702	7	monticone	monticone	PROPN
fsr-3162	702	8	,	,	PUNCT
fsr-3162	702	9	c.	c.	PROPN
fsr-3162	702	10	(	(	PUNCT
fsr-3162	702	11	2016	2016	NUM
fsr-3162	702	12	)	)	PUNCT
fsr-3162	702	13	.	.	PUNCT
fsr-3162	703	1	financial	financial	ADJ
fsr-3162	703	2	education	education	NOUN
fsr-3162	703	3	policies	policy	NOUN
fsr-3162	703	4	in	in	ADP
fsr-3162	703	5	asia	asia	PROPN
fsr-3162	703	6	and	and	CCONJ
fsr-3162	703	7	the	the	DET
fsr-3162	703	8	pacific	pacific	PROPN
fsr-3162	703	9	.	.	PUNCT
fsr-3162	704	1	oecd	oecd	PROPN
fsr-3162	704	2	working	work	VERB
fsr-3162	704	3	papers	paper	NOUN
fsr-3162	704	4	on	on	ADP
fsr-3162	704	5	finance	finance	NOUN
fsr-3162	704	6	,	,	PUNCT
fsr-3162	704	7	insurance	insurance	NOUN
fsr-3162	704	8	and	and	CCONJ
fsr-3162	704	9	private	private	ADJ
fsr-3162	704	10	pensions	pension	NOUN
fsr-3162	704	11	no	no	ADP
fsr-3162	704	12	,	,	PUNCT
fsr-3162	704	13	40	40	NUM
fsr-3162	704	14	,	,	PUNCT
fsr-3162	704	15	1	1	NUM
fsr-3162	704	16	-	-	SYM
fsr-3162	704	17	66	66	NUM
fsr-3162	704	18	.	.	PUNCT
fsr-3162	705	1	miller	miller	PROPN
fsr-3162	705	2	,	,	PUNCT
fsr-3162	705	3	m.	m.	NOUN
fsr-3162	705	4	,	,	PUNCT
fsr-3162	705	5	reichelstein	reichelstein	PROPN
fsr-3162	705	6	,	,	PUNCT
fsr-3162	705	7	j.	j.	PROPN
fsr-3162	705	8	,	,	PUNCT
fsr-3162	705	9	salas	salas	PROPN
fsr-3162	705	10	,	,	PUNCT
fsr-3162	705	11	c.	c.	PROPN
fsr-3162	705	12	,	,	PUNCT
fsr-3162	705	13	&	&	CCONJ
fsr-3162	705	14	zia	zia	PROPN
fsr-3162	705	15	,	,	PUNCT
fsr-3162	705	16	b.	b.	PROPN
fsr-3162	705	17	(	(	PUNCT
fsr-3162	705	18	2015	2015	NUM
fsr-3162	705	19	)	)	PUNCT
fsr-3162	705	20	.	.	PUNCT
fsr-3162	706	1	can	can	AUX
fsr-3162	706	2	you	you	PRON
fsr-3162	706	3	help	help	VERB
fsr-3162	706	4	someone	someone	PRON
fsr-3162	706	5	become	become	VERB
fsr-3162	706	6	financially	financially	ADV
fsr-3162	706	7	capable	capable	ADJ
fsr-3162	706	8	?	?	PUNCT
fsr-3162	707	1	a	a	DET
fsr-3162	707	2	meta	meta	ADJ
fsr-3162	707	3	-	-	PUNCT
fsr-3162	707	4	analysis	analysis	NOUN
fsr-3162	707	5	of	of	ADP
fsr-3162	707	6	the	the	DET
fsr-3162	707	7	literature	literature	NOUN
fsr-3162	707	8	.	.	PUNCT
fsr-3162	708	1	the	the	DET
fsr-3162	708	2	world	world	PROPN
fsr-3162	708	3	bank	bank	PROPN
fsr-3162	708	4	research	research	PROPN
fsr-3162	708	5	observer	observer	PROPN
fsr-3162	708	6	,	,	PUNCT
fsr-3162	708	7	30	30	NUM
fsr-3162	708	8	,	,	PUNCT
fsr-3162	708	9	220	220	NUM
fsr-3162	708	10	-	-	SYM
fsr-3162	708	11	246	246	NUM
fsr-3162	708	12	.	.	PUNCT
fsr-3162	709	1	oecd	oecd	PROPN
fsr-3162	709	2	.	.	PUNCT
fsr-3162	710	1	(	(	PUNCT
fsr-3162	710	2	2013	2013	NUM
fsr-3162	710	3	)	)	PUNCT
fsr-3162	710	4	.	.	PUNCT
fsr-3162	711	1	advancing	advance	VERB
fsr-3162	711	2	national	national	ADJ
fsr-3162	711	3	strategies	strategy	NOUN
fsr-3162	711	4	for	for	ADP
fsr-3162	711	5	financial	financial	ADJ
fsr-3162	711	6	education	education	NOUN
fsr-3162	711	7	.	.	PUNCT
fsr-3162	712	1	available	available	ADJ
fsr-3162	712	2	at	at	ADP
fsr-3162	712	3	https://www.oecd.org/finance/	https://www.oecd.org/finance/	X
fsr-3162	712	4	financial	financial	ADJ
fsr-3162	712	5	-	-	PUNCT
fsr-3162	712	6	education	education	NOUN
fsr-3162	712	7	/	/	SYM
fsr-3162	712	8	g20_oecd_nsfinancialeducation.pdf	g20_oecd_nsfinancialeducation.pdf	PROPN
fsr-3162	712	9	t.-m	t.-m	NOUN
fsr-3162	712	10	.	.	PUNCT
fsr-3162	713	1	yeh	yeh	PROPN
fsr-3162	713	2	/	/	SYM
fsr-3162	713	3	financial	financial	ADJ
fsr-3162	713	4	services	service	NOUN
fsr-3162	713	5	review	review	VERB
fsr-3162	713	6	30	30	NUM
fsr-3162	713	7	(	(	PUNCT
fsr-3162	713	8	2022	2022	NUM
fsr-3162	713	9	)	)	PUNCT
fsr-3162	714	1	297–320	297–320	NUM
fsr-3162	714	2	319	319	NUM
fsr-3162	714	3	ooijen	ooijen	NOUN
fsr-3162	714	4	,	,	PUNCT
fsr-3162	714	5	r.	r.	PROPN
fsr-3162	714	6	,	,	PUNCT
fsr-3162	714	7	&	&	CCONJ
fsr-3162	714	8	van	van	PROPN
fsr-3162	714	9	rooij	rooij	PROPN
fsr-3162	714	10	,	,	PUNCT
fsr-3162	714	11	m.	m.	PROPN
fsr-3162	714	12	c.	c.	PROPN
fsr-3162	714	13	j.	j.	PROPN
fsr-3162	714	14	(	(	PUNCT
fsr-3162	714	15	2016	2016	NUM
fsr-3162	714	16	)	)	PUNCT
fsr-3162	714	17	.	.	PUNCT
fsr-3162	715	1	mortgage	mortgage	NOUN
fsr-3162	715	2	risks	risk	NOUN
fsr-3162	715	3	,	,	PUNCT
fsr-3162	715	4	debt	debt	NOUN
fsr-3162	715	5	literacy	literacy	NOUN
fsr-3162	715	6	and	and	CCONJ
fsr-3162	715	7	financial	financial	ADJ
fsr-3162	715	8	advice	advice	NOUN
fsr-3162	715	9	.	.	PUNCT
fsr-3162	716	1	journal	journal	NOUN
fsr-3162	716	2	of	of	ADP
fsr-3162	716	3	banking	banking	NOUN
fsr-3162	716	4	&	&	CCONJ
fsr-3162	716	5	finance	finance	PROPN
fsr-3162	716	6	,	,	PUNCT
fsr-3162	716	7	72	72	NUM
fsr-3162	716	8	,	,	PUNCT
fsr-3162	716	9	201	201	NUM
fsr-3162	716	10	-	-	SYM
fsr-3162	716	11	217	217	NUM
fsr-3162	716	12	.	.	PUNCT
fsr-3162	717	1	rooij	rooij	NOUN
fsr-3162	717	2	,	,	PUNCT
fsr-3162	717	3	m.	m.	NOUN
fsr-3162	717	4	,	,	PUNCT
fsr-3162	717	5	lusardi	lusardi	PROPN
fsr-3162	717	6	,	,	PUNCT
fsr-3162	717	7	a.	a.	NOUN
fsr-3162	717	8	,	,	PUNCT
fsr-3162	717	9	&	&	CCONJ
fsr-3162	717	10	alessie	alessie	PROPN
fsr-3162	717	11	,	,	PUNCT
fsr-3162	717	12	r.	r.	PROPN
fsr-3162	717	13	(	(	PUNCT
fsr-3162	717	14	2011	2011	NUM
fsr-3162	717	15	)	)	PUNCT
fsr-3162	717	16	.	.	PUNCT
fsr-3162	718	1	financial	financial	ADJ
fsr-3162	718	2	literacy	literacy	NOUN
fsr-3162	718	3	and	and	CCONJ
fsr-3162	718	4	stock	stock	NOUN
fsr-3162	718	5	market	market	NOUN
fsr-3162	718	6	participation	participation	NOUN
fsr-3162	718	7	.	.	PUNCT
fsr-3162	719	1	journal	journal	NOUN
fsr-3162	719	2	of	of	ADP
fsr-3162	719	3	financial	financial	ADJ
fsr-3162	719	4	economics	economic	NOUN
fsr-3162	719	5	,	,	PUNCT
fsr-3162	719	6	101	101	NUM
fsr-3162	719	7	,	,	PUNCT
fsr-3162	719	8	449	449	NUM
fsr-3162	719	9	-	-	SYM
fsr-3162	719	10	472	472	NUM
fsr-3162	719	11	.	.	PUNCT
fsr-3162	720	1	rothwell	rothwell	PROPN
fsr-3162	720	2	,	,	PUNCT
fsr-3162	720	3	d.	d.	PROPN
fsr-3162	720	4	w.	w.	PROPN
fsr-3162	720	5	,	,	PUNCT
fsr-3162	720	6	&	&	CCONJ
fsr-3162	720	7	wu	wu	PROPN
fsr-3162	720	8	,	,	PUNCT
fsr-3162	720	9	s.	s.	PROPN
fsr-3162	720	10	(	(	PUNCT
fsr-3162	720	11	2019	2019	NUM
fsr-3162	720	12	)	)	PUNCT
fsr-3162	720	13	.	.	PUNCT
fsr-3162	721	1	exploring	explore	VERB
fsr-3162	721	2	the	the	DET
fsr-3162	721	3	relationship	relationship	NOUN
fsr-3162	721	4	between	between	ADP
fsr-3162	721	5	financial	financial	ADJ
fsr-3162	721	6	education	education	NOUN
fsr-3162	721	7	and	and	CCONJ
fsr-3162	721	8	financial	financial	ADJ
fsr-3162	721	9	knowledge	knowledge	NOUN
fsr-3162	721	10	and	and	CCONJ
fsr-3162	721	11	efficacy	efficacy	NOUN
fsr-3162	721	12	:	:	PUNCT
fsr-3162	721	13	evidence	evidence	NOUN
fsr-3162	721	14	from	from	ADP
fsr-3162	721	15	the	the	DET
fsr-3162	721	16	canadian	canadian	ADJ
fsr-3162	721	17	financial	financial	ADJ
fsr-3162	721	18	capability	capability	NOUN
fsr-3162	721	19	survey	survey	NOUN
fsr-3162	721	20	.	.	PUNCT
fsr-3162	722	1	journal	journal	NOUN
fsr-3162	722	2	of	of	ADP
fsr-3162	722	3	consumer	consumer	NOUN
fsr-3162	722	4	affairs	affair	NOUN
fsr-3162	722	5	,	,	PUNCT
fsr-3162	722	6	53	53	NUM
fsr-3162	722	7	,	,	PUNCT
fsr-3162	722	8	1725	1725	NUM
fsr-3162	722	9	-	-	SYM
fsr-3162	722	10	1747	1747	NUM
fsr-3162	722	11	.	.	PUNCT
fsr-3162	723	1	sansone	sansone	PROPN
fsr-3162	723	2	,	,	PUNCT
fsr-3162	723	3	d.	d.	PROPN
fsr-3162	723	4	,	,	PUNCT
fsr-3162	723	5	rossi	rossi	ADJ
fsr-3162	723	6	,	,	PUNCT
fsr-3162	723	7	m.	m.	NOUN
fsr-3162	723	8	,	,	PUNCT
fsr-3162	723	9	&	&	CCONJ
fsr-3162	723	10	fornero	fornero	PROPN
fsr-3162	723	11	,	,	PUNCT
fsr-3162	723	12	e.	e.	PROPN
fsr-3162	723	13	(	(	PUNCT
fsr-3162	723	14	2019	2019	NUM
fsr-3162	723	15	)	)	PUNCT
fsr-3162	723	16	.	.	PUNCT
fsr-3162	724	1	four	four	NUM
fsr-3162	724	2	bright	bright	ADJ
fsr-3162	724	3	coins	coin	NOUN
fsr-3162	724	4	shining	shine	VERB
fsr-3162	724	5	at	at	ADP
fsr-3162	724	6	me	i	PRON
fsr-3162	724	7	:	:	PUNCT
fsr-3162	724	8	financial	financial	ADJ
fsr-3162	724	9	education	education	NOUN
fsr-3162	724	10	in	in	ADP
fsr-3162	724	11	childhood	childhood	NOUN
fsr-3162	724	12	,	,	PUNCT
fsr-3162	724	13	financial	financial	ADJ
fsr-3162	724	14	confidence	confidence	NOUN
fsr-3162	724	15	in	in	ADP
fsr-3162	724	16	adulthood	adulthood	NOUN
fsr-3162	724	17	.	.	PUNCT
fsr-3162	725	1	journal	journal	PROPN
fsr-3162	725	2	of	of	ADP
fsr-3162	725	3	consumer	consumer	NOUN
fsr-3162	725	4	affairs	affair	NOUN
fsr-3162	725	5	,	,	PUNCT
fsr-3162	725	6	53	53	NUM
fsr-3162	725	7	,	,	PUNCT
fsr-3162	725	8	630	630	NUM
fsr-3162	725	9	-	-	SYM
fsr-3162	725	10	651	651	NUM
fsr-3162	725	11	.	.	PUNCT
fsr-3162	726	1	serido	serido	PROPN
fsr-3162	726	2	,	,	PUNCT
fsr-3162	726	3	j.	j.	PROPN
fsr-3162	726	4	,	,	PUNCT
fsr-3162	726	5	&	&	CCONJ
fsr-3162	726	6	shim	shim	NOUN
fsr-3162	726	7	,	,	PUNCT
fsr-3162	726	8	s.	s.	PROPN
fsr-3162	726	9	(	(	PUNCT
fsr-3162	726	10	2014	2014	NUM
fsr-3162	726	11	)	)	PUNCT
fsr-3162	726	12	.	.	PUNCT
fsr-3162	727	1	life	life	NOUN
fsr-3162	727	2	after	after	ADP
fsr-3162	727	3	college	college	NOUN
fsr-3162	727	4	:	:	PUNCT
fsr-3162	727	5	drivers	driver	NOUN
fsr-3162	727	6	of	of	ADP
fsr-3162	727	7	young	young	ADJ
fsr-3162	727	8	adults	adult	NOUN
fsr-3162	727	9	success	success	NOUN
fsr-3162	727	10	.	.	PUNCT
fsr-3162	728	1	aplus	aplus	PROPN
fsr-3162	728	2	.	.	PUNCT
fsr-3162	729	1	arizona	arizona	PROPN
fsr-3162	729	2	pathways	pathway	NOUN
fsr-3162	729	3	to	to	ADP
fsr-3162	729	4	life	life	NOUN
fsr-3162	729	5	success	success	NOUN
fsr-3162	729	6	.	.	PUNCT
fsr-3162	730	1	wave	wave	NOUN
fsr-3162	730	2	3	3	NUM
fsr-3162	730	3	.	.	PUNCT
fsr-3162	731	1	the	the	DET
fsr-3162	731	2	university	university	PROPN
fsr-3162	731	3	of	of	ADP
fsr-3162	731	4	arizona	arizona	PROPN
fsr-3162	731	5	.	.	PUNCT
fsr-3162	731	6	available	available	ADJ
fsr-3162	731	7	at	at	ADP
fsr-3162	731	8	https://content.fortune.com/wp-content/	https://content.fortune.com/wp-content/	PROPN
fsr-3162	731	9	uploads/2014/06	uploads/2014/06	PROPN
fsr-3162	731	10	/	/	SYM
fsr-3162	731	11	ua	ua	PROPN
fsr-3162	731	12	-	-	PUNCT
fsr-3162	731	13	aplus-3	aplus-3	NOUN
fsr-3162	731	14	-	-	PUNCT
fsr-3162	731	15	0	0	NUM
fsr-3162	731	16	-	-	PUNCT
fsr-3162	731	17	final.pdf	final.pdf	NOUN
fsr-3162	731	18	stock	stock	NOUN
fsr-3162	731	19	,	,	PUNCT
fsr-3162	731	20	j.	j.	PROPN
fsr-3162	731	21	h.	h.	PROPN
fsr-3162	731	22	,	,	PUNCT
fsr-3162	731	23	&	&	CCONJ
fsr-3162	731	24	yogo	yogo	PROPN
fsr-3162	731	25	,	,	PUNCT
fsr-3162	731	26	m.	m.	NOUN
fsr-3162	731	27	(	(	PUNCT
fsr-3162	731	28	2005	2005	NUM
fsr-3162	731	29	)	)	PUNCT
fsr-3162	731	30	.	.	PUNCT
fsr-3162	732	1	testing	test	VERB
fsr-3162	732	2	for	for	ADP
fsr-3162	732	3	weak	weak	ADJ
fsr-3162	732	4	instruments	instrument	NOUN
fsr-3162	732	5	in	in	ADP
fsr-3162	732	6	linear	linear	PROPN
fsr-3162	732	7	iv	iv	NUM
fsr-3162	732	8	regression	regression	NOUN
fsr-3162	732	9	.	.	PUNCT
fsr-3162	733	1	in	in	ADP
fsr-3162	733	2	j.	j.	PROPN
fsr-3162	733	3	h.	h.	PROPN
fsr-3162	733	4	stock	stock	PROPN
fsr-3162	733	5	&	&	CCONJ
fsr-3162	733	6	d.	d.	PROPN
fsr-3162	733	7	w.	w.	PROPN
fsr-3162	733	8	k.	k.	PROPN
fsr-3162	733	9	andrews	andrews	PROPN
fsr-3162	733	10	(	(	PUNCT
fsr-3162	733	11	eds	eds	PROPN
fsr-3162	733	12	.	.	PUNCT
fsr-3162	733	13	)	)	PUNCT
fsr-3162	733	14	,	,	PUNCT
fsr-3162	733	15	identification	identification	NOUN
fsr-3162	733	16	and	and	CCONJ
fsr-3162	733	17	inference	inference	NOUN
fsr-3162	733	18	for	for	ADP
fsr-3162	733	19	econometric	econometric	ADJ
fsr-3162	733	20	models	model	NOUN
fsr-3162	733	21	:	:	PUNCT
fsr-3162	733	22	essays	essay	NOUN
fsr-3162	733	23	in	in	ADP
fsr-3162	733	24	honor	honor	NOUN
fsr-3162	733	25	of	of	ADP
fsr-3162	733	26	thomas	thomas	PROPN
fsr-3162	733	27	j.	j.	PROPN
fsr-3162	733	28	rothenberg	rothenberg	PROPN
fsr-3162	733	29	(	(	PUNCT
fsr-3162	733	30	pp	pp	PROPN
fsr-3162	733	31	.	.	PUNCT
fsr-3162	733	32	)	)	PUNCT
fsr-3162	733	33	.	.	PUNCT
fsr-3162	734	1	cambridge	cambridge	PROPN
fsr-3162	734	2	university	university	PROPN
fsr-3162	734	3	press	press	NOUN
fsr-3162	734	4	.	.	PUNCT
fsr-3162	735	1	stoddard	stoddard	NOUN
fsr-3162	735	2	,	,	PUNCT
fsr-3162	735	3	c.	c.	PROPN
fsr-3162	735	4	,	,	PUNCT
fsr-3162	735	5	&	&	CCONJ
fsr-3162	735	6	urban	urban	PROPN
fsr-3162	735	7	,	,	PUNCT
fsr-3162	735	8	c.	c.	PROPN
fsr-3162	735	9	(	(	PUNCT
fsr-3162	735	10	2020	2020	NUM
fsr-3162	735	11	)	)	PUNCT
fsr-3162	735	12	.	.	PUNCT
fsr-3162	736	1	the	the	DET
fsr-3162	736	2	effects	effect	NOUN
fsr-3162	736	3	of	of	ADP
fsr-3162	736	4	state	state	NOUN
fsr-3162	736	5	-	-	PUNCT
fsr-3162	736	6	mandated	mandate	VERB
fsr-3162	736	7	financial	financial	ADJ
fsr-3162	736	8	education	education	NOUN
fsr-3162	736	9	on	on	ADP
fsr-3162	736	10	college	college	NOUN
fsr-3162	736	11	financing	financing	NOUN
fsr-3162	736	12	behaviors	behavior	NOUN
fsr-3162	736	13	.	.	PUNCT
fsr-3162	737	1	journal	journal	NOUN
fsr-3162	737	2	of	of	ADP
fsr-3162	737	3	money	money	NOUN
fsr-3162	737	4	,	,	PUNCT
fsr-3162	737	5	credit	credit	NOUN
fsr-3162	737	6	and	and	CCONJ
fsr-3162	737	7	banking	banking	NOUN
fsr-3162	737	8	,	,	PUNCT
fsr-3162	737	9	52	52	NUM
fsr-3162	737	10	,	,	PUNCT
fsr-3162	737	11	747	747	NUM
fsr-3162	737	12	-	-	SYM
fsr-3162	737	13	776	776	NUM
fsr-3162	737	14	.	.	PUNCT
fsr-3162	737	15	tang	tang	PROPN
fsr-3162	737	16	,	,	PUNCT
fsr-3162	737	17	n.	n.	PROPN
fsr-3162	737	18	,	,	PUNCT
fsr-3162	737	19	baker	baker	PROPN
fsr-3162	737	20	,	,	PUNCT
fsr-3162	737	21	a.	a.	PROPN
fsr-3162	737	22	,	,	PUNCT
fsr-3162	737	23	&	&	CCONJ
fsr-3162	737	24	peter	peter	PROPN
fsr-3162	737	25	,	,	PUNCT
fsr-3162	737	26	p.	p.	PROPN
fsr-3162	737	27	c.	c.	PROPN
fsr-3162	737	28	(	(	PUNCT
fsr-3162	737	29	2015	2015	NUM
fsr-3162	737	30	)	)	PUNCT
fsr-3162	737	31	.	.	PUNCT
fsr-3162	738	1	investigating	investigate	VERB
fsr-3162	738	2	the	the	DET
fsr-3162	738	3	disconnect	disconnect	NOUN
fsr-3162	738	4	between	between	ADP
fsr-3162	738	5	financial	financial	ADJ
fsr-3162	738	6	knowledge	knowledge	NOUN
fsr-3162	738	7	and	and	CCONJ
fsr-3162	738	8	behavior	behavior	NOUN
fsr-3162	738	9	:	:	PUNCT
fsr-3162	738	10	the	the	DET
fsr-3162	738	11	role	role	NOUN
fsr-3162	738	12	of	of	ADP
fsr-3162	738	13	parental	parental	ADJ
fsr-3162	738	14	influence	influence	NOUN
fsr-3162	738	15	and	and	CCONJ
fsr-3162	738	16	psychological	psychological	ADJ
fsr-3162	738	17	characteristics	characteristic	NOUN
fsr-3162	738	18	in	in	ADP
fsr-3162	738	19	responsible	responsible	ADJ
fsr-3162	738	20	financial	financial	ADJ
fsr-3162	738	21	behaviors	behavior	NOUN
fsr-3162	738	22	among	among	ADP
fsr-3162	738	23	young	young	ADJ
fsr-3162	738	24	adults	adult	NOUN
fsr-3162	738	25	.	.	PUNCT
fsr-3162	739	1	journal	journal	NOUN
fsr-3162	739	2	of	of	ADP
fsr-3162	739	3	consumer	consumer	NOUN
fsr-3162	739	4	affairs	affair	NOUN
fsr-3162	739	5	,	,	PUNCT
fsr-3162	739	6	49	49	NUM
fsr-3162	739	7	,	,	PUNCT
fsr-3162	739	8	376	376	NUM
fsr-3162	739	9	-	-	SYM
fsr-3162	739	10	406	406	NUM
fsr-3162	739	11	.	.	PUNCT
fsr-3162	740	1	urban	urban	ADJ
fsr-3162	740	2	,	,	PUNCT
fsr-3162	740	3	c.	c.	NOUN
fsr-3162	740	4	,	,	PUNCT
fsr-3162	740	5	schmeiser	schmeiser	ADJ
fsr-3162	740	6	,	,	PUNCT
fsr-3162	740	7	m.	m.	NOUN
fsr-3162	740	8	,	,	PUNCT
fsr-3162	740	9	collins	collins	PROPN
fsr-3162	740	10	,	,	PUNCT
fsr-3162	740	11	j.	j.	PROPN
fsr-3162	740	12	m.	m.	PROPN
fsr-3162	740	13	,	,	PUNCT
fsr-3162	740	14	&	&	CCONJ
fsr-3162	740	15	brown	brown	PROPN
fsr-3162	740	16	,	,	PUNCT
fsr-3162	740	17	a.	a.	NOUN
fsr-3162	740	18	(	(	PUNCT
fsr-3162	740	19	2020	2020	NUM
fsr-3162	740	20	)	)	PUNCT
fsr-3162	740	21	.	.	PUNCT
fsr-3162	741	1	the	the	DET
fsr-3162	741	2	effects	effect	NOUN
fsr-3162	741	3	of	of	ADP
fsr-3162	741	4	high	high	ADJ
fsr-3162	741	5	school	school	NOUN
fsr-3162	741	6	personal	personal	ADJ
fsr-3162	741	7	financial	financial	ADJ
fsr-3162	741	8	education	education	NOUN
fsr-3162	741	9	policies	policy	NOUN
fsr-3162	741	10	on	on	ADP
fsr-3162	741	11	financial	financial	ADJ
fsr-3162	741	12	behavior	behavior	NOUN
fsr-3162	741	13	.	.	PUNCT
fsr-3162	742	1	economics	economic	NOUN
fsr-3162	742	2	of	of	ADP
fsr-3162	742	3	education	education	PROPN
fsr-3162	742	4	review	review	NOUN
fsr-3162	742	5	,	,	PUNCT
fsr-3162	742	6	78	78	NUM
fsr-3162	742	7	,	,	PUNCT
fsr-3162	742	8	101786	101786	NUM
fsr-3162	742	9	.	.	PUNCT
fsr-3162	743	1	van	van	PROPN
fsr-3162	743	2	campenhout	campenhout	PROPN
fsr-3162	743	3	,	,	PUNCT
fsr-3162	743	4	g.	g.	PROPN
fsr-3162	743	5	(	(	PUNCT
fsr-3162	743	6	2015	2015	NUM
fsr-3162	743	7	)	)	PUNCT
fsr-3162	743	8	.	.	PUNCT
fsr-3162	744	1	revaluing	revalue	VERB
fsr-3162	744	2	the	the	DET
fsr-3162	744	3	role	role	NOUN
fsr-3162	744	4	of	of	ADP
fsr-3162	744	5	parents	parent	NOUN
fsr-3162	744	6	as	as	ADP
fsr-3162	744	7	financial	financial	ADJ
fsr-3162	744	8	socialization	socialization	NOUN
fsr-3162	744	9	agents	agent	NOUN
fsr-3162	744	10	in	in	ADP
fsr-3162	744	11	youth	youth	NOUN
fsr-3162	744	12	financial	financial	ADJ
fsr-3162	744	13	literacy	literacy	NOUN
fsr-3162	744	14	programs	program	NOUN
fsr-3162	744	15	.	.	PUNCT
fsr-3162	745	1	journal	journal	NOUN
fsr-3162	745	2	of	of	ADP
fsr-3162	745	3	consumer	consumer	NOUN
fsr-3162	745	4	affairs	affair	NOUN
fsr-3162	745	5	,	,	PUNCT
fsr-3162	745	6	49	49	NUM
fsr-3162	745	7	,	,	PUNCT
fsr-3162	745	8	186	186	NUM
fsr-3162	745	9	-	-	SYM
fsr-3162	745	10	222	222	NUM
fsr-3162	745	11	.	.	PUNCT
fsr-3162	746	1	wagner	wagner	PROPN
fsr-3162	746	2	,	,	PUNCT
fsr-3162	746	3	j.	j.	PROPN
fsr-3162	746	4	,	,	PUNCT
fsr-3162	746	5	&	&	CCONJ
fsr-3162	746	6	walstad	walstad	PROPN
fsr-3162	746	7	,	,	PUNCT
fsr-3162	746	8	w.	w.	PROPN
fsr-3162	746	9	b.	b.	PROPN
fsr-3162	746	10	(	(	PUNCT
fsr-3162	746	11	2019	2019	NUM
fsr-3162	746	12	)	)	PUNCT
fsr-3162	746	13	.	.	PUNCT
fsr-3162	747	1	the	the	DET
fsr-3162	747	2	effects	effect	NOUN
fsr-3162	747	3	of	of	ADP
fsr-3162	747	4	financial	financial	ADJ
fsr-3162	747	5	education	education	NOUN
fsr-3162	747	6	on	on	ADP
fsr-3162	747	7	short	short	ADJ
fsr-3162	747	8	-	-	PUNCT
fsr-3162	747	9	term	term	NOUN
fsr-3162	747	10	and	and	CCONJ
fsr-3162	747	11	long	long	ADJ
fsr-3162	747	12	-	-	PUNCT
fsr-3162	747	13	term	term	NOUN
fsr-3162	747	14	financial	financial	ADJ
fsr-3162	747	15	behaviors	behavior	NOUN
fsr-3162	747	16	.	.	PUNCT
fsr-3162	748	1	journal	journal	NOUN
fsr-3162	748	2	of	of	ADP
fsr-3162	748	3	consumer	consumer	NOUN
fsr-3162	748	4	affairs	affair	NOUN
fsr-3162	748	5	,	,	PUNCT
fsr-3162	748	6	53	53	NUM
fsr-3162	748	7	,	,	PUNCT
fsr-3162	748	8	234	234	NUM
fsr-3162	748	9	-	-	SYM
fsr-3162	748	10	259	259	NUM
fsr-3162	748	11	.	.	PUNCT
fsr-3162	749	1	yeh	yeh	PROPN
fsr-3162	749	2	,	,	PUNCT
fsr-3162	749	3	t.-m	t.-m	NOUN
fsr-3162	749	4	.	.	PUNCT
fsr-3162	750	1	(	(	PUNCT
fsr-3162	750	2	2022	2022	NUM
fsr-3162	750	3	)	)	PUNCT
fsr-3162	750	4	.	.	PUNCT
fsr-3162	751	1	an	an	DET
fsr-3162	751	2	empirical	empirical	ADJ
fsr-3162	751	3	study	study	NOUN
fsr-3162	751	4	on	on	ADP
fsr-3162	751	5	how	how	SCONJ
fsr-3162	751	6	financial	financial	ADJ
fsr-3162	751	7	literacy	literacy	NOUN
fsr-3162	751	8	contributes	contribute	VERB
fsr-3162	751	9	to	to	ADP
fsr-3162	751	10	preparation	preparation	NOUN
fsr-3162	751	11	for	for	ADP
fsr-3162	751	12	retirement	retirement	NOUN
fsr-3162	751	13	.	.	PUNCT
fsr-3162	752	1	journal	journal	PROPN
fsr-3162	752	2	of	of	ADP
fsr-3162	752	3	pension	pension	NOUN
fsr-3162	752	4	economics	economic	NOUN
fsr-3162	752	5	and	and	CCONJ
fsr-3162	752	6	finance	finance	NOUN
fsr-3162	752	7	,	,	PUNCT
fsr-3162	752	8	21	21	NUM
fsr-3162	752	9	,	,	PUNCT
fsr-3162	752	10	237	237	NUM
fsr-3162	752	11	-	-	SYM
fsr-3162	752	12	259	259	NUM
fsr-3162	752	13	.	.	PUNCT
fsr-3162	753	1	yeh	yeh	PROPN
fsr-3162	753	2	,	,	PUNCT
fsr-3162	753	3	t.-m	t.-m	NOUN
fsr-3162	753	4	.	.	PUNCT
fsr-3162	753	5	,	,	PUNCT
fsr-3162	753	6	&	&	CCONJ
fsr-3162	753	7	ling	ling	PROPN
fsr-3162	753	8	,	,	PUNCT
fsr-3162	753	9	y.	y.	PROPN
fsr-3162	753	10	(	(	PUNCT
fsr-3162	753	11	2022	2022	NUM
fsr-3162	753	12	)	)	PUNCT
fsr-3162	753	13	.	.	PUNCT
fsr-3162	754	1	confidence	confidence	NOUN
fsr-3162	754	2	in	in	ADP
fsr-3162	754	3	financial	financial	ADJ
fsr-3162	754	4	literacy	literacy	NOUN
fsr-3162	754	5	,	,	PUNCT
fsr-3162	754	6	stock	stock	NOUN
fsr-3162	754	7	market	market	NOUN
fsr-3162	754	8	participation	participation	NOUN
fsr-3162	754	9	,	,	PUNCT
fsr-3162	754	10	and	and	CCONJ
fsr-3162	754	11	retirement	retirement	NOUN
fsr-3162	754	12	planning	planning	NOUN
fsr-3162	754	13	.	.	PUNCT
fsr-3162	755	1	journal	journal	PROPN
fsr-3162	755	2	of	of	ADP
fsr-3162	755	3	family	family	NOUN
fsr-3162	755	4	and	and	CCONJ
fsr-3162	755	5	economic	economic	ADJ
fsr-3162	755	6	issues	issue	NOUN
fsr-3162	755	7	,	,	PUNCT
fsr-3162	755	8	43	43	NUM
fsr-3162	755	9	,	,	PUNCT
fsr-3162	755	10	169	169	NUM
fsr-3162	755	11	-	-	SYM
fsr-3162	755	12	186	186	NUM
fsr-3162	755	13	.	.	NOUN
fsr-3162	755	14	320	320	NUM
fsr-3162	755	15	t.-m	t.-m	NOUN
fsr-3162	755	16	.	.	PUNCT
fsr-3162	756	1	yeh	yeh	PROPN
fsr-3162	756	2	/	/	SYM
fsr-3162	756	3	financial	financial	ADJ
fsr-3162	756	4	services	service	NOUN
fsr-3162	756	5	review	review	VERB
fsr-3162	756	6	30	30	NUM
fsr-3162	756	7	(	(	PUNCT
fsr-3162	756	8	2022	2022	NUM
fsr-3162	756	9	)	)	PUNCT
fsr-3162	757	1	297–320	297–320	NUM