id	sid	tid	token	lemma	pos
fsr-3163	1	1	exploring	explore	VERB
fsr-3163	1	2	differences	difference	NOUN
fsr-3163	1	3	in	in	ADP
fsr-3163	1	4	african	african	ADJ
fsr-3163	1	5	-	-	PUNCT
fsr-3163	1	6	americans	americans	PROPN
fsr-3163	1	7	’	'	PUNCT
fsr-3163	1	8	financial	financial	ADJ
fsr-3163	1	9	well	well	ADV
fsr-3163	1	10	-	-	PUNCT
fsr-3163	1	11	being	be	AUX
fsr-3163	1	12	based	base	VERB
fsr-3163	1	13	on	on	ADP
fsr-3163	1	14	financial	financial	ADJ
fsr-3163	1	15	security	security	NOUN
fsr-3163	1	16	factors	factor	NOUN
fsr-3163	1	17	c.	c.	PROPN
fsr-3163	1	18	w.	w.	PROPN
fsr-3163	1	19	copelanda	copelanda	PROPN
fsr-3163	1	20	,	,	PUNCT
fsr-3163	1	21	*	*	PROPN
fsr-3163	1	22	,	,	PUNCT
fsr-3163	1	23	john	john	PROPN
fsr-3163	1	24	h.	h.	PROPN
fsr-3163	1	25	younga	younga	PROPN
fsr-3163	1	26	,	,	PUNCT
fsr-3163	1	27	crystal	crystal	PROPN
fsr-3163	1	28	r.	r.	PROPN
fsr-3163	1	29	hudsona	hudsona	PROPN
fsr-3163	1	30	adepartment	adepartment	PROPN
fsr-3163	1	31	of	of	ADP
fsr-3163	1	32	finance	finance	NOUN
fsr-3163	1	33	,	,	PUNCT
fsr-3163	1	34	clark	clark	PROPN
fsr-3163	1	35	-	-	PUNCT
fsr-3163	1	36	atlanta	atlanta	PROPN
fsr-3163	1	37	university	university	PROPN
fsr-3163	1	38	,	,	PUNCT
fsr-3163	1	39	223	223	NUM
fsr-3163	1	40	james	james	PROPN
fsr-3163	1	41	p.	p.	PROPN
fsr-3163	1	42	brawley	brawley	PROPN
fsr-3163	1	43	drive	drive	PROPN
fsr-3163	1	44	,	,	PUNCT
fsr-3163	1	45	atlanta	atlanta	PROPN
fsr-3163	1	46	,	,	PUNCT
fsr-3163	1	47	ga	ga	PROPN
fsr-3163	1	48	30314	30314	NUM
fsr-3163	1	49	,	,	PUNCT
fsr-3163	1	50	usa	usa	PROPN
fsr-3163	1	51	abstract	abstract	PROPN
fsr-3163	1	52	what	what	PRON
fsr-3163	1	53	impacts	impact	VERB
fsr-3163	1	54	the	the	DET
fsr-3163	1	55	financial	financial	ADJ
fsr-3163	1	56	well	well	NOUN
fsr-3163	1	57	-	-	PUNCT
fsr-3163	1	58	being	being	NOUN
fsr-3163	1	59	of	of	ADP
fsr-3163	1	60	african	african	ADJ
fsr-3163	1	61	americans	americans	PROPN
fsr-3163	1	62	,	,	PUNCT
fsr-3163	1	63	compared	compare	VERB
fsr-3163	1	64	with	with	ADP
fsr-3163	1	65	other	other	ADJ
fsr-3163	1	66	ethnic	ethnic	ADJ
fsr-3163	1	67	groups	group	NOUN
fsr-3163	1	68	,	,	PUNCT
fsr-3163	1	69	has	have	AUX
fsr-3163	1	70	been	be	AUX
fsr-3163	1	71	a	a	DET
fsr-3163	1	72	mystery	mystery	NOUN
fsr-3163	1	73	beyond	beyond	ADP
fsr-3163	1	74	basic	basic	ADJ
fsr-3163	1	75	socio	socio	NOUN
fsr-3163	1	76	-	-	PUNCT
fsr-3163	1	77	economic	economic	ADJ
fsr-3163	1	78	factors	factor	NOUN
fsr-3163	1	79	.	.	PUNCT
fsr-3163	2	1	however	however	ADV
fsr-3163	2	2	,	,	PUNCT
fsr-3163	2	3	when	when	SCONJ
fsr-3163	2	4	explored	explore	VERB
fsr-3163	2	5	through	through	ADP
fsr-3163	2	6	the	the	DET
fsr-3163	2	7	lens	lens	NOUN
fsr-3163	2	8	of	of	ADP
fsr-3163	2	9	homeownership	homeownership	NOUN
fsr-3163	2	10	and	and	CCONJ
fsr-3163	2	11	employment	employment	NOUN
fsr-3163	2	12	,	,	PUNCT
fsr-3163	2	13	two	two	NUM
fsr-3163	2	14	variables	variable	NOUN
fsr-3163	2	15	that	that	PRON
fsr-3163	2	16	have	have	AUX
fsr-3163	2	17	been	be	AUX
fsr-3163	2	18	latent	latent	ADJ
fsr-3163	2	19	due	due	ADP
fsr-3163	2	20	to	to	ADP
fsr-3163	2	21	historical	historical	ADJ
fsr-3163	2	22	racism	racism	NOUN
fsr-3163	2	23	,	,	PUNCT
fsr-3163	2	24	african	african	ADJ
fsr-3163	2	25	americans	americans	PROPN
fsr-3163	2	26	fare	fare	VERB
fsr-3163	2	27	far	far	ADV
fsr-3163	2	28	worse	bad	ADJ
fsr-3163	2	29	than	than	ADP
fsr-3163	2	30	other	other	ADJ
fsr-3163	2	31	ethnic	ethnic	ADJ
fsr-3163	2	32	groups	group	NOUN
fsr-3163	2	33	.	.	PUNCT
fsr-3163	3	1	this	this	DET
fsr-3163	3	2	study	study	NOUN
fsr-3163	3	3	utilized	utilize	VERB
fsr-3163	3	4	data	datum	NOUN
fsr-3163	3	5	from	from	ADP
fsr-3163	3	6	the	the	DET
fsr-3163	3	7	2016	2016	NUM
fsr-3163	3	8	national	national	ADJ
fsr-3163	3	9	financial	financial	ADJ
fsr-3163	3	10	well	well	ADV
fsr-3163	3	11	-	-	PUNCT
fsr-3163	3	12	being	be	AUX
fsr-3163	3	13	survey	survey	NOUN
fsr-3163	3	14	(	(	PUNCT
fsr-3163	3	15	nfwbs	nfwbs	PROPN
fsr-3163	3	16	)	)	PUNCT
fsr-3163	3	17	including	include	VERB
fsr-3163	3	18	the	the	DET
fsr-3163	3	19	cfp	cfp	PROPN
fsr-3163	3	20	financial	financial	ADJ
fsr-3163	3	21	well	well	ADV
fsr-3163	3	22	-	-	PUNCT
fsr-3163	3	23	being	being	NOUN
fsr-3163	3	24	scale	scale	NOUN
fsr-3163	3	25	,	,	PUNCT
fsr-3163	3	26	and	and	CCONJ
fsr-3163	3	27	specifically	specifically	ADV
fsr-3163	3	28	targeted	target	VERB
fsr-3163	3	29	middle	middle	ADJ
fsr-3163	3	30	-	-	PUNCT
fsr-3163	3	31	income	income	NOUN
fsr-3163	3	32	african	african	ADJ
fsr-3163	3	33	americans	americans	PROPN
fsr-3163	3	34	.	.	PUNCT
fsr-3163	4	1	researchers	researcher	NOUN
fsr-3163	4	2	found	find	VERB
fsr-3163	4	3	that	that	SCONJ
fsr-3163	4	4	when	when	SCONJ
fsr-3163	4	5	efforts	effort	NOUN
fsr-3163	4	6	are	be	AUX
fsr-3163	4	7	made	make	VERB
fsr-3163	4	8	to	to	PART
fsr-3163	4	9	pull	pull	VERB
fsr-3163	4	10	themselves	themselves	PRON
fsr-3163	4	11	up	up	ADP
fsr-3163	4	12	by	by	ADP
fsr-3163	4	13	their	their	PRON
fsr-3163	4	14	bootstraps	bootstrap	NOUN
fsr-3163	4	15	through	through	ADP
fsr-3163	4	16	long	long	ADJ
fsr-3163	4	17	-	-	PUNCT
fsr-3163	4	18	term	term	NOUN
fsr-3163	4	19	savings	saving	NOUN
fsr-3163	4	20	,	,	PUNCT
fsr-3163	4	21	investing	investing	NOUN
fsr-3163	4	22	,	,	PUNCT
fsr-3163	4	23	and	and	CCONJ
fsr-3163	4	24	education	education	NOUN
fsr-3163	4	25	,	,	PUNCT
fsr-3163	4	26	african	african	ADJ
fsr-3163	4	27	americans	americans	PROPN
fsr-3163	4	28	only	only	ADV
fsr-3163	4	29	show	show	VERB
fsr-3163	4	30	statistical	statistical	ADJ
fsr-3163	4	31	significance	significance	NOUN
fsr-3163	4	32	if	if	SCONJ
fsr-3163	4	33	they	they	PRON
fsr-3163	4	34	are	be	AUX
fsr-3163	4	35	middle	middle	ADJ
fsr-3163	4	36	-	-	PUNCT
fsr-3163	4	37	income	income	NOUN
fsr-3163	4	38	because	because	SCONJ
fsr-3163	4	39	student	student	NOUN
fsr-3163	4	40	loans	loan	NOUN
fsr-3163	4	41	tend	tend	VERB
fsr-3163	4	42	to	to	PART
fsr-3163	4	43	create	create	VERB
fsr-3163	4	44	a	a	DET
fsr-3163	4	45	drag	drag	NOUN
fsr-3163	4	46	on	on	ADP
fsr-3163	4	47	financial	financial	ADJ
fsr-3163	4	48	well	well	ADV
fsr-3163	4	49	-	-	PUNCT
fsr-3163	4	50	being	being	NOUN
fsr-3163	4	51	levels	level	NOUN
fsr-3163	4	52	.	.	PUNCT
fsr-3163	5	1	©	©	ADP
fsr-3163	5	2	2022	2022	NUM
fsr-3163	5	3	academy	academy	NOUN
fsr-3163	5	4	of	of	ADP
fsr-3163	5	5	financial	financial	ADJ
fsr-3163	5	6	services	service	NOUN
fsr-3163	5	7	.	.	PUNCT
fsr-3163	6	1	all	all	DET
fsr-3163	6	2	rights	right	NOUN
fsr-3163	6	3	reserved	reserve	VERB
fsr-3163	6	4	.	.	PUNCT
fsr-3163	7	1	jel	jel	PROPN
fsr-3163	7	2	classifications	classification	NOUN
fsr-3163	7	3	:	:	PUNCT
fsr-3163	7	4	i310	i310	PROPN
fsr-3163	7	5	(	(	PUNCT
fsr-3163	7	6	general	general	ADJ
fsr-3163	7	7	welfare	welfare	NOUN
fsr-3163	7	8	;	;	PUNCT
fsr-3163	7	9	well	well	ADV
fsr-3163	7	10	-	-	PUNCT
fsr-3163	7	11	being	being	NOUN
fsr-3163	7	12	)	)	PUNCT
fsr-3163	7	13	keywords	keyword	NOUN
fsr-3163	7	14	:	:	PUNCT
fsr-3163	7	15	financial	financial	ADJ
fsr-3163	7	16	well	well	NOUN
fsr-3163	7	17	-	-	PUNCT
fsr-3163	7	18	being	being	NOUN
fsr-3163	7	19	;	;	PUNCT
fsr-3163	7	20	general	general	ADJ
fsr-3163	7	21	welfare	welfare	NOUN
fsr-3163	7	22	;	;	PUNCT
fsr-3163	7	23	living	living	NOUN
fsr-3163	7	24	standards	standard	NOUN
fsr-3163	7	25	;	;	PUNCT
fsr-3163	7	26	middle	middle	ADJ
fsr-3163	7	27	class	class	NOUN
fsr-3163	7	28	;	;	PUNCT
fsr-3163	7	29	middle	middle	ADJ
fsr-3163	7	30	income	income	NOUN
fsr-3163	7	31	;	;	PUNCT
fsr-3163	7	32	quality	quality	NOUN
fsr-3163	7	33	of	of	ADP
fsr-3163	7	34	life	life	NOUN
fsr-3163	7	35	;	;	PUNCT
fsr-3163	7	36	standard	standard	NOUN
fsr-3163	7	37	of	of	ADP
fsr-3163	7	38	living	living	NOUN
fsr-3163	7	39	;	;	PUNCT
fsr-3163	7	40	stress	stress	NOUN
fsr-3163	7	41	;	;	PUNCT
fsr-3163	7	42	homeownership	homeownership	NOUN
fsr-3163	7	43	;	;	PUNCT
fsr-3163	7	44	employment	employment	NOUN
fsr-3163	7	45	;	;	PUNCT
fsr-3163	7	46	savings	saving	NOUN
fsr-3163	7	47	1	1	NUM
fsr-3163	7	48	.	.	PUNCT
fsr-3163	8	1	introduction	introduction	NOUN
fsr-3163	8	2	many	many	ADJ
fsr-3163	8	3	african	african	ADJ
fsr-3163	8	4	americans	americans	PROPN
fsr-3163	8	5	enjoy	enjoy	VERB
fsr-3163	8	6	a	a	DET
fsr-3163	8	7	middle	middle	ADJ
fsr-3163	8	8	-	-	PUNCT
fsr-3163	8	9	class	class	NOUN
fsr-3163	8	10	lifestyle	lifestyle	NOUN
fsr-3163	8	11	,	,	PUNCT
fsr-3163	8	12	typically	typically	ADV
fsr-3163	8	13	a	a	DET
fsr-3163	8	14	result	result	NOUN
fsr-3163	8	15	of	of	ADP
fsr-3163	8	16	a	a	DET
fsr-3163	8	17	college	college	NOUN
fsr-3163	8	18	education	education	NOUN
fsr-3163	8	19	.	.	PUNCT
fsr-3163	9	1	a	a	DET
fsr-3163	9	2	college	college	NOUN
fsr-3163	9	3	education	education	NOUN
fsr-3163	9	4	is	be	AUX
fsr-3163	9	5	a	a	DET
fsr-3163	9	6	means	means	NOUN
fsr-3163	9	7	to	to	PART
fsr-3163	9	8	improve	improve	VERB
fsr-3163	9	9	people	people	NOUN
fsr-3163	9	10	’s	’s	PART
fsr-3163	9	11	professional	professional	ADJ
fsr-3163	9	12	status	status	NOUN
fsr-3163	9	13	and	and	CCONJ
fsr-3163	9	14	economic	economic	ADJ
fsr-3163	9	15	stability	stability	NOUN
fsr-3163	9	16	(	(	PUNCT
fsr-3163	9	17	blalock	blalock	NOUN
fsr-3163	9	18	,	,	PUNCT
fsr-3163	9	19	2017	2017	NUM
fsr-3163	9	20	)	)	PUNCT
fsr-3163	9	21	.	.	PUNCT
fsr-3163	10	1	nevertheless	nevertheless	ADV
fsr-3163	10	2	,	,	PUNCT
fsr-3163	10	3	is	be	AUX
fsr-3163	10	4	this	this	DET
fsr-3163	10	5	middle	middle	ADJ
fsr-3163	10	6	-	-	PUNCT
fsr-3163	10	7	class	class	NOUN
fsr-3163	10	8	lifestyle	lifestyle	NOUN
fsr-3163	10	9	built	build	VERB
fsr-3163	10	10	on	on	ADP
fsr-3163	10	11	wealth	wealth	NOUN
fsr-3163	10	12	or	or	CCONJ
fsr-3163	10	13	simply	simply	ADV
fsr-3163	10	14	income	income	VERB
fsr-3163	10	15	?	?	PUNCT
fsr-3163	11	1	in	in	ADP
fsr-3163	11	2	other	other	ADJ
fsr-3163	11	3	words	word	NOUN
fsr-3163	11	4	,	,	PUNCT
fsr-3163	11	5	if	if	SCONJ
fsr-3163	11	6	these	these	DET
fsr-3163	11	7	african	african	ADJ
fsr-3163	11	8	americans	americans	PROPN
fsr-3163	11	9	lost	lose	VERB
fsr-3163	11	10	their	their	PRON
fsr-3163	11	11	income	income	NOUN
fsr-3163	11	12	,	,	PUNCT
fsr-3163	11	13	would	would	AUX
fsr-3163	11	14	they	they	PRON
fsr-3163	11	15	be	be	AUX
fsr-3163	11	16	able	able	ADJ
fsr-3163	11	17	to	to	PART
fsr-3163	11	18	maintain	maintain	VERB
fsr-3163	11	19	this	this	DET
fsr-3163	11	20	lifestyle	lifestyle	NOUN
fsr-3163	11	21	and	and	CCONJ
fsr-3163	11	22	live	live	VERB
fsr-3163	11	23	on	on	ADP
fsr-3163	11	24	the	the	DET
fsr-3163	11	25	wealth	wealth	NOUN
fsr-3163	11	26	that	that	SCONJ
fsr-3163	11	27	they	they	PRON
fsr-3163	11	28	have	have	AUX
fsr-3163	11	29	saved	save	VERB
fsr-3163	11	30	?	?	PUNCT
fsr-3163	12	1	otherwise	otherwise	ADV
fsr-3163	12	2	,	,	PUNCT
fsr-3163	12	3	what	what	PRON
fsr-3163	12	4	*	*	PUNCT
fsr-3163	12	5	corresponding	correspond	VERB
fsr-3163	12	6	author	author	NOUN
fsr-3163	12	7	:	:	PUNCT
fsr-3163	12	8	tel	tel	PROPN
fsr-3163	12	9	.	.	PUNCT
fsr-3163	12	10	:	:	PUNCT
fsr-3163	13	1	+1	+1	PROPN
fsr-3163	13	2	-	-	PUNCT
fsr-3163	13	3	404	404	NUM
fsr-3163	13	4	-	-	PUNCT
fsr-3163	13	5	913	913	NUM
fsr-3163	13	6	-	-	SYM
fsr-3163	13	7	1413	1413	NUM
fsr-3163	13	8	,	,	PUNCT
fsr-3163	13	9	fax	fax	NOUN
fsr-3163	13	10	:	:	PUNCT
fsr-3163	13	11	+1	+1	PROPN
fsr-3163	13	12	-	-	PUNCT
fsr-3163	13	13	404	404	NUM
fsr-3163	13	14	-	-	PUNCT
fsr-3163	13	15	880	880	NUM
fsr-3163	13	16	-	-	PUNCT
fsr-3163	13	17	8458	8458	NUM
fsr-3163	13	18	.	.	PUNCT
fsr-3163	14	1	e	e	X
fsr-3163	14	2	-	-	NOUN
fsr-3163	14	3	mail	mail	NOUN
fsr-3163	14	4	address	address	NOUN
fsr-3163	14	5	:	:	PUNCT
fsr-3163	14	6	cwcopeland2@cau.edu	cwcopeland2@cau.edu	PROPN
fsr-3163	14	7	1057	1057	NUM
fsr-3163	14	8	-	-	SYM
fsr-3163	14	9	0810/22/$	0810/22/$	NUM
fsr-3163	14	10	–	–	PUNCT
fsr-3163	14	11	see	see	VERB
fsr-3163	14	12	front	front	ADJ
fsr-3163	14	13	matter	matter	NOUN
fsr-3163	14	14	©	©	PROPN
fsr-3163	14	15	2022	2022	NUM
fsr-3163	14	16	academy	academy	NOUN
fsr-3163	14	17	of	of	ADP
fsr-3163	14	18	financial	financial	ADJ
fsr-3163	14	19	services	service	NOUN
fsr-3163	14	20	.	.	PUNCT
fsr-3163	15	1	all	all	DET
fsr-3163	15	2	rights	right	NOUN
fsr-3163	15	3	reserved	reserve	VERB
fsr-3163	15	4	.	.	PUNCT
fsr-3163	16	1	financial	financial	ADJ
fsr-3163	16	2	services	service	NOUN
fsr-3163	16	3	review	review	VERB
fsr-3163	16	4	30	30	NUM
fsr-3163	16	5	(	(	PUNCT
fsr-3163	16	6	2022	2022	NUM
fsr-3163	16	7	)	)	PUNCT
fsr-3163	17	1	321–336	321–336	NUM
fsr-3163	17	2	factors	factor	NOUN
fsr-3163	17	3	prevent	prevent	VERB
fsr-3163	17	4	them	they	PRON
fsr-3163	17	5	from	from	ADP
fsr-3163	17	6	experiencing	experience	VERB
fsr-3163	17	7	this	this	DET
fsr-3163	17	8	financial	financial	ADJ
fsr-3163	17	9	well	well	NOUN
fsr-3163	17	10	-	-	PUNCT
fsr-3163	17	11	being	being	NOUN
fsr-3163	17	12	?	?	PUNCT
fsr-3163	18	1	according	accord	VERB
fsr-3163	18	2	to	to	ADP
fsr-3163	18	3	mcintosh	mcintosh	PROPN
fsr-3163	18	4	et	et	PROPN
fsr-3163	18	5	al	al	PROPN
fsr-3163	18	6	.	.	PROPN
fsr-3163	19	1	(	(	PUNCT
fsr-3163	19	2	2020	2020	NUM
fsr-3163	19	3	)	)	PUNCT
fsr-3163	19	4	,	,	PUNCT
fsr-3163	19	5	the	the	DET
fsr-3163	19	6	benchmark	benchmark	NOUN
fsr-3163	19	7	of	of	ADP
fsr-3163	19	8	economic	economic	ADJ
fsr-3163	19	9	security	security	NOUN
fsr-3163	19	10	includes	include	VERB
fsr-3163	19	11	employment	employment	NOUN
fsr-3163	19	12	,	,	PUNCT
fsr-3163	19	13	homeownership	homeownership	NOUN
fsr-3163	19	14	,	,	PUNCT
fsr-3163	19	15	savings	saving	NOUN
fsr-3163	19	16	,	,	PUNCT
fsr-3163	19	17	retirement	retirement	NOUN
fsr-3163	19	18	security	security	NOUN
fsr-3163	19	19	,	,	PUNCT
fsr-3163	19	20	and	and	CCONJ
fsr-3163	19	21	financial	financial	ADJ
fsr-3163	19	22	literacy	literacy	NOUN
fsr-3163	19	23	.	.	PUNCT
fsr-3163	20	1	this	this	DET
fsr-3163	20	2	present	present	ADJ
fsr-3163	20	3	study	study	NOUN
fsr-3163	20	4	explores	explore	VERB
fsr-3163	20	5	whether	whether	SCONJ
fsr-3163	20	6	middleclass	middleclass	ADJ
fsr-3163	20	7	african	african	ADJ
fsr-3163	20	8	americans	americans	PROPN
fsr-3163	20	9	experience	experience	VERB
fsr-3163	20	10	financial	financial	ADJ
fsr-3163	20	11	security	security	NOUN
fsr-3163	20	12	or	or	CCONJ
fsr-3163	20	13	financial	financial	ADJ
fsr-3163	20	14	well	well	NOUN
fsr-3163	20	15	-	-	PUNCT
fsr-3163	20	16	being	being	NOUN
fsr-3163	20	17	compared	compare	VERB
fsr-3163	20	18	with	with	ADP
fsr-3163	20	19	middle	middle	ADJ
fsr-3163	20	20	-	-	PUNCT
fsr-3163	20	21	class	class	NOUN
fsr-3163	20	22	white	white	PROPN
fsr-3163	20	23	americans	americans	PROPN
fsr-3163	20	24	.	.	PUNCT
fsr-3163	21	1	african	african	ADJ
fsr-3163	21	2	americans	americans	PROPN
fsr-3163	21	3	do	do	AUX
fsr-3163	21	4	not	not	PART
fsr-3163	21	5	generate	generate	VERB
fsr-3163	21	6	as	as	ADV
fsr-3163	21	7	much	much	ADJ
fsr-3163	21	8	wealth	wealth	NOUN
fsr-3163	21	9	as	as	ADP
fsr-3163	21	10	the	the	DET
fsr-3163	21	11	general	general	ADJ
fsr-3163	21	12	u.s	u.s	PROPN
fsr-3163	21	13	.	.	PROPN
fsr-3163	21	14	population	population	NOUN
fsr-3163	21	15	,	,	PUNCT
fsr-3163	21	16	and	and	CCONJ
fsr-3163	21	17	the	the	DET
fsr-3163	21	18	black	black	ADJ
fsr-3163	21	19	-	-	PUNCT
fsr-3163	21	20	white	white	ADJ
fsr-3163	21	21	wealth	wealth	NOUN
fsr-3163	21	22	gap	gap	NOUN
fsr-3163	21	23	is	be	AUX
fsr-3163	21	24	widening	widen	VERB
fsr-3163	21	25	(	(	PUNCT
fsr-3163	21	26	kochhar	kochhar	PROPN
fsr-3163	21	27	,	,	PUNCT
fsr-3163	21	28	2014	2014	NUM
fsr-3163	21	29	)	)	PUNCT
fsr-3163	21	30	.	.	PUNCT
fsr-3163	22	1	in	in	ADP
fsr-3163	22	2	2013	2013	NUM
fsr-3163	22	3	,	,	PUNCT
fsr-3163	22	4	white	white	ADJ
fsr-3163	22	5	households	household	NOUN
fsr-3163	22	6	had	have	VERB
fsr-3163	22	7	13	13	NUM
fsr-3163	22	8	times	time	NOUN
fsr-3163	22	9	the	the	DET
fsr-3163	22	10	wealth	wealth	NOUN
fsr-3163	22	11	of	of	ADP
fsr-3163	22	12	african	african	ADJ
fsr-3163	22	13	american	american	ADJ
fsr-3163	22	14	households	household	NOUN
fsr-3163	22	15	.	.	PUNCT
fsr-3163	23	1	this	this	DET
fsr-3163	23	2	wealth	wealth	NOUN
fsr-3163	23	3	gap	gap	NOUN
fsr-3163	23	4	had	have	AUX
fsr-3163	23	5	increased	increase	VERB
fsr-3163	23	6	since	since	SCONJ
fsr-3163	23	7	2010	2010	NUM
fsr-3163	23	8	when	when	SCONJ
fsr-3163	23	9	white	white	ADJ
fsr-3163	23	10	households	household	NOUN
fsr-3163	23	11	’	'	PUNCT
fsr-3163	23	12	wealth	wealth	NOUN
fsr-3163	23	13	was	be	AUX
fsr-3163	23	14	only	only	ADV
fsr-3163	23	15	10	10	NUM
fsr-3163	23	16	times	time	NOUN
fsr-3163	23	17	that	that	PRON
fsr-3163	23	18	of	of	ADP
fsr-3163	23	19	african	african	ADJ
fsr-3163	23	20	american	american	ADJ
fsr-3163	23	21	households	household	NOUN
fsr-3163	23	22	(	(	PUNCT
fsr-3163	23	23	kochhar	kochhar	PROPN
fsr-3163	23	24	,	,	PUNCT
fsr-3163	23	25	2014	2014	NUM
fsr-3163	23	26	)	)	PUNCT
fsr-3163	23	27	.	.	PUNCT
fsr-3163	24	1	it	it	PRON
fsr-3163	24	2	is	be	AUX
fsr-3163	24	3	more	more	ADV
fsr-3163	24	4	alarming	alarming	ADJ
fsr-3163	24	5	that	that	SCONJ
fsr-3163	24	6	african	african	ADJ
fsr-3163	24	7	americans	americans	PROPN
fsr-3163	24	8	have	have	AUX
fsr-3163	24	9	not	not	PART
fsr-3163	24	10	generated	generate	VERB
fsr-3163	24	11	enough	enough	ADJ
fsr-3163	24	12	wealth	wealth	NOUN
fsr-3163	24	13	and	and	CCONJ
fsr-3163	24	14	have	have	AUX
fsr-3163	24	15	been	be	AUX
fsr-3163	24	16	unable	unable	ADJ
fsr-3163	24	17	to	to	PART
fsr-3163	24	18	pass	pass	VERB
fsr-3163	24	19	on	on	ADP
fsr-3163	24	20	that	that	DET
fsr-3163	24	21	wealth	wealth	NOUN
fsr-3163	24	22	to	to	ADP
fsr-3163	24	23	their	their	PRON
fsr-3163	24	24	children	child	NOUN
fsr-3163	24	25	and	and	CCONJ
fsr-3163	24	26	grandchildren	grandchild	NOUN
fsr-3163	24	27	,	,	PUNCT
fsr-3163	24	28	which	which	PRON
fsr-3163	24	29	leaves	leave	VERB
fsr-3163	24	30	them	they	PRON
fsr-3163	24	31	at	at	ADP
fsr-3163	24	32	an	an	DET
fsr-3163	24	33	economic	economic	ADJ
fsr-3163	24	34	disadvantage	disadvantage	NOUN
fsr-3163	24	35	(	(	PUNCT
fsr-3163	24	36	pfeffer	pfeffer	PROPN
fsr-3163	24	37	&	&	CCONJ
fsr-3163	24	38	killewald	killewald	PROPN
fsr-3163	24	39	,	,	PUNCT
fsr-3163	24	40	2018	2018	NUM
fsr-3163	24	41	)	)	PUNCT
fsr-3163	24	42	.	.	PUNCT
fsr-3163	25	1	this	this	DET
fsr-3163	25	2	transfer	transfer	NOUN
fsr-3163	25	3	of	of	ADP
fsr-3163	25	4	wealth	wealth	NOUN
fsr-3163	25	5	could	could	AUX
fsr-3163	25	6	be	be	AUX
fsr-3163	25	7	in	in	ADP
fsr-3163	25	8	the	the	DET
fsr-3163	25	9	form	form	NOUN
fsr-3163	25	10	of	of	ADP
fsr-3163	25	11	paying	pay	VERB
fsr-3163	25	12	for	for	ADP
fsr-3163	25	13	their	their	PRON
fsr-3163	25	14	children	child	NOUN
fsr-3163	25	15	’s	’s	PART
fsr-3163	25	16	college	college	NOUN
fsr-3163	25	17	tuition	tuition	NOUN
fsr-3163	25	18	or	or	CCONJ
fsr-3163	25	19	an	an	DET
fsr-3163	25	20	outright	outright	ADJ
fsr-3163	25	21	lump	lump	NOUN
fsr-3163	25	22	sum	sum	NOUN
fsr-3163	25	23	of	of	ADP
fsr-3163	25	24	cash	cash	NOUN
fsr-3163	25	25	(	(	PUNCT
fsr-3163	25	26	pfeffer	pfeffer	PROPN
fsr-3163	25	27	&	&	CCONJ
fsr-3163	25	28	killewald	killewald	PROPN
fsr-3163	25	29	,	,	PUNCT
fsr-3163	25	30	2018	2018	NUM
fsr-3163	25	31	)	)	PUNCT
fsr-3163	25	32	.	.	PUNCT
fsr-3163	26	1	2	2	X
fsr-3163	26	2	.	.	X
fsr-3163	26	3	financial	financial	ADJ
fsr-3163	26	4	well	well	ADV
fsr-3163	26	5	-	-	PUNCT
fsr-3163	26	6	being	being	NOUN
fsr-3163	26	7	and	and	CCONJ
fsr-3163	26	8	wealth	wealth	NOUN
fsr-3163	26	9	financial	financial	ADJ
fsr-3163	26	10	behaviors	behavior	NOUN
fsr-3163	26	11	,	,	PUNCT
fsr-3163	26	12	financial	financial	ADJ
fsr-3163	26	13	stressor	stressor	NOUN
fsr-3163	26	14	events	event	NOUN
fsr-3163	26	15	,	,	PUNCT
fsr-3163	26	16	and	and	CCONJ
fsr-3163	26	17	individual	individual	ADJ
fsr-3163	26	18	characteristics	characteristic	NOUN
fsr-3163	26	19	are	be	AUX
fsr-3163	26	20	functions	function	NOUN
fsr-3163	26	21	of	of	ADP
fsr-3163	26	22	financial	financial	ADJ
fsr-3163	26	23	well	well	NOUN
fsr-3163	26	24	-	-	PUNCT
fsr-3163	26	25	being	being	NOUN
fsr-3163	26	26	.	.	PUNCT
fsr-3163	27	1	financial	financial	ADJ
fsr-3163	27	2	well	well	ADV
fsr-3163	27	3	-	-	PUNCT
fsr-3163	27	4	being	being	NOUN
fsr-3163	27	5	is	be	AUX
fsr-3163	27	6	also	also	ADV
fsr-3163	27	7	an	an	DET
fsr-3163	27	8	outcome	outcome	NOUN
fsr-3163	27	9	of	of	ADP
fsr-3163	27	10	financial	financial	ADJ
fsr-3163	27	11	behaviors	behavior	NOUN
fsr-3163	27	12	(	(	PUNCT
fsr-3163	27	13	kim	kim	PROPN
fsr-3163	27	14	et	et	PROPN
fsr-3163	27	15	al	al	PROPN
fsr-3163	27	16	.	.	PROPN
fsr-3163	27	17	,	,	PUNCT
fsr-3163	27	18	2003	2003	NUM
fsr-3163	27	19	)	)	PUNCT
fsr-3163	27	20	.	.	PUNCT
fsr-3163	28	1	whether	whether	SCONJ
fsr-3163	28	2	we	we	PRON
fsr-3163	28	3	as	as	SCONJ
fsr-3163	28	4	researchers	researcher	NOUN
fsr-3163	28	5	address	address	VERB
fsr-3163	28	6	financial	financial	ADJ
fsr-3163	28	7	well	well	NOUN
fsr-3163	28	8	-	-	PUNCT
fsr-3163	28	9	being	being	NOUN
fsr-3163	28	10	at	at	ADP
fsr-3163	28	11	the	the	DET
fsr-3163	28	12	household	household	NOUN
fsr-3163	28	13	or	or	CCONJ
fsr-3163	28	14	the	the	DET
fsr-3163	28	15	individual	individual	ADJ
fsr-3163	28	16	level	level	NOUN
fsr-3163	28	17	,	,	PUNCT
fsr-3163	28	18	it	it	PRON
fsr-3163	28	19	is	be	AUX
fsr-3163	28	20	apparent	apparent	ADJ
fsr-3163	28	21	that	that	SCONJ
fsr-3163	28	22	the	the	DET
fsr-3163	28	23	factors	factor	NOUN
fsr-3163	28	24	mentioned	mention	VERB
fsr-3163	28	25	above	above	ADV
fsr-3163	28	26	affect	affect	VERB
fsr-3163	28	27	the	the	DET
fsr-3163	28	28	financial	financial	ADJ
fsr-3163	28	29	wellbeing	wellbeing	NOUN
fsr-3163	28	30	of	of	ADP
fsr-3163	28	31	african	african	ADJ
fsr-3163	28	32	americans	americans	PROPN
fsr-3163	28	33	more	more	ADJ
fsr-3163	28	34	than	than	ADP
fsr-3163	28	35	other	other	ADJ
fsr-3163	28	36	racial	racial	ADJ
fsr-3163	28	37	or	or	CCONJ
fsr-3163	28	38	ethnic	ethnic	ADJ
fsr-3163	28	39	groups	group	NOUN
fsr-3163	28	40	(	(	PUNCT
fsr-3163	28	41	irrespective	irrespective	ADV
fsr-3163	28	42	of	of	ADP
fsr-3163	28	43	income	income	NOUN
fsr-3163	28	44	)	)	PUNCT
fsr-3163	28	45	.	.	PUNCT
fsr-3163	29	1	the	the	DET
fsr-3163	29	2	distinction	distinction	NOUN
fsr-3163	29	3	may	may	AUX
fsr-3163	29	4	not	not	PART
fsr-3163	29	5	be	be	AUX
fsr-3163	29	6	as	as	ADV
fsr-3163	29	7	prevalent	prevalent	ADJ
fsr-3163	29	8	if	if	SCONJ
fsr-3163	29	9	individual	individual	ADJ
fsr-3163	29	10	characteristics	characteristic	NOUN
fsr-3163	29	11	across	across	ADP
fsr-3163	29	12	groups	group	NOUN
fsr-3163	29	13	are	be	AUX
fsr-3163	29	14	accounted	account	VERB
fsr-3163	29	15	for	for	ADP
fsr-3163	29	16	;	;	PUNCT
fsr-3163	29	17	the	the	DET
fsr-3163	29	18	issue	issue	NOUN
fsr-3163	29	19	is	be	AUX
fsr-3163	29	20	well	well	ADV
fsr-3163	29	21	recognized	recognize	VERB
fsr-3163	29	22	when	when	SCONJ
fsr-3163	29	23	we	we	PRON
fsr-3163	29	24	reduce	reduce	VERB
fsr-3163	29	25	the	the	DET
fsr-3163	29	26	number	number	NOUN
fsr-3163	29	27	of	of	ADP
fsr-3163	29	28	financial	financial	ADJ
fsr-3163	29	29	behaviors	behavior	NOUN
fsr-3163	29	30	and	and	CCONJ
fsr-3163	29	31	financial	financial	ADJ
fsr-3163	29	32	stressor	stressor	NOUN
fsr-3163	29	33	events	event	NOUN
fsr-3163	29	34	being	be	AUX
fsr-3163	29	35	addressed	address	VERB
fsr-3163	29	36	(	(	PUNCT
fsr-3163	29	37	as	as	ADP
fsr-3163	29	38	associated	associated	ADJ
fsr-3163	29	39	issues	issue	NOUN
fsr-3163	29	40	)	)	PUNCT
fsr-3163	29	41	.	.	PUNCT
fsr-3163	30	1	one	one	NUM
fsr-3163	30	2	factor	factor	NOUN
fsr-3163	30	3	identified	identify	VERB
fsr-3163	30	4	as	as	ADP
fsr-3163	30	5	an	an	DET
fsr-3163	30	6	essential	essential	ADJ
fsr-3163	30	7	determinant	determinant	NOUN
fsr-3163	30	8	of	of	ADP
fsr-3163	30	9	individual	individual	ADJ
fsr-3163	30	10	success	success	NOUN
fsr-3163	30	11	in	in	ADP
fsr-3163	30	12	saving	save	VERB
fsr-3163	30	13	money	money	NOUN
fsr-3163	30	14	is	be	AUX
fsr-3163	30	15	the	the	DET
fsr-3163	30	16	ability	ability	NOUN
fsr-3163	30	17	to	to	PART
fsr-3163	30	18	delay	delay	VERB
fsr-3163	30	19	gratification	gratification	NOUN
fsr-3163	30	20	and	and	CCONJ
fsr-3163	30	21	exercise	exercise	VERB
fsr-3163	30	22	self	self	NOUN
fsr-3163	30	23	-	-	PUNCT
fsr-3163	30	24	control	control	NOUN
fsr-3163	30	25	.	.	PUNCT
fsr-3163	31	1	although	although	SCONJ
fsr-3163	31	2	economists	economist	NOUN
fsr-3163	31	3	like	like	VERB
fsr-3163	31	4	to	to	PART
fsr-3163	31	5	assume	assume	VERB
fsr-3163	31	6	that	that	SCONJ
fsr-3163	31	7	homo	homo	NOUN
fsr-3163	31	8	economicus	economicus	NOUN
fsr-3163	31	9	can	can	AUX
fsr-3163	31	10	postpone	postpone	VERB
fsr-3163	31	11	short	short	ADJ
fsr-3163	31	12	-	-	PUNCT
fsr-3163	31	13	term	term	NOUN
fsr-3163	31	14	gratification	gratification	NOUN
fsr-3163	31	15	for	for	ADP
fsr-3163	31	16	the	the	DET
fsr-3163	31	17	sake	sake	NOUN
fsr-3163	31	18	of	of	ADP
fsr-3163	31	19	long	long	ADJ
fsr-3163	31	20	-	-	PUNCT
fsr-3163	31	21	term	term	NOUN
fsr-3163	31	22	need	need	NOUN
fsr-3163	31	23	,	,	PUNCT
fsr-3163	31	24	prior	prior	ADJ
fsr-3163	31	25	research	research	NOUN
fsr-3163	31	26	has	have	AUX
fsr-3163	31	27	proven	prove	VERB
fsr-3163	31	28	the	the	DET
fsr-3163	31	29	opposite	opposite	NOUN
fsr-3163	31	30	(	(	PUNCT
fsr-3163	31	31	brounen	brounen	PROPN
fsr-3163	31	32	et	et	PROPN
fsr-3163	31	33	al	al	PROPN
fsr-3163	31	34	.	.	PROPN
fsr-3163	31	35	,	,	PUNCT
fsr-3163	31	36	2016	2016	NUM
fsr-3163	31	37	)	)	PUNCT
fsr-3163	31	38	.	.	PUNCT
fsr-3163	32	1	brounen	brounen	PROPN
fsr-3163	32	2	et	et	PROPN
fsr-3163	32	3	al	al	PROPN
fsr-3163	32	4	.	.	PROPN
fsr-3163	33	1	(	(	PUNCT
fsr-3163	33	2	2016	2016	NUM
fsr-3163	33	3	)	)	PUNCT
fsr-3163	33	4	further	far	ADV
fsr-3163	33	5	support	support	VERB
fsr-3163	33	6	the	the	DET
fsr-3163	33	7	premise	premise	NOUN
fsr-3163	33	8	with	with	ADP
fsr-3163	33	9	the	the	DET
fsr-3163	33	10	empirical	empirical	ADJ
fsr-3163	33	11	proof	proof	NOUN
fsr-3163	33	12	that	that	SCONJ
fsr-3163	33	13	these	these	DET
fsr-3163	33	14	time	time	NOUN
fsr-3163	33	15	preferences	preference	NOUN
fsr-3163	33	16	(	(	PUNCT
fsr-3163	33	17	short	short	ADJ
fsr-3163	33	18	-	-	PUNCT
fsr-3163	33	19	term	term	NOUN
fsr-3163	33	20	gratification	gratification	NOUN
fsr-3163	33	21	/	/	SYM
fsr-3163	33	22	long	long	ADJ
fsr-3163	33	23	-	-	PUNCT
fsr-3163	33	24	term	term	NOUN
fsr-3163	33	25	need	need	NOUN
fsr-3163	33	26	)	)	PUNCT
fsr-3163	33	27	can	can	AUX
fsr-3163	33	28	be	be	AUX
fsr-3163	33	29	partly	partly	ADV
fsr-3163	33	30	transferred	transfer	VERB
fsr-3163	33	31	from	from	ADP
fsr-3163	33	32	one	one	NUM
fsr-3163	33	33	generation	generation	NOUN
fsr-3163	33	34	to	to	ADP
fsr-3163	33	35	the	the	DET
fsr-3163	33	36	next	next	ADJ
fsr-3163	33	37	.	.	PUNCT
fsr-3163	34	1	financial	financial	ADJ
fsr-3163	34	2	discipline	discipline	NOUN
fsr-3163	34	3	is	be	AUX
fsr-3163	34	4	—	—	PUNCT
fsr-3163	34	5	at	at	ADP
fsr-3163	34	6	least	least	ADJ
fsr-3163	34	7	partly	partly	ADV
fsr-3163	34	8	—	—	PUNCT
fsr-3163	34	9	the	the	DET
fsr-3163	34	10	result	result	NOUN
fsr-3163	34	11	of	of	ADP
fsr-3163	34	12	how	how	SCONJ
fsr-3163	34	13	parents	parent	NOUN
fsr-3163	34	14	raise	raise	VERB
fsr-3163	34	15	their	their	PRON
fsr-3163	34	16	children	child	NOUN
fsr-3163	34	17	.	.	PUNCT
fsr-3163	35	1	in	in	ADP
fsr-3163	35	2	other	other	ADJ
fsr-3163	35	3	words	word	NOUN
fsr-3163	35	4	,	,	PUNCT
fsr-3163	35	5	financial	financial	ADJ
fsr-3163	35	6	education	education	NOUN
fsr-3163	35	7	and	and	CCONJ
fsr-3163	35	8	financial	financial	ADJ
fsr-3163	35	9	upbringing	upbringing	NOUN
fsr-3163	35	10	may	may	AUX
fsr-3163	35	11	well	well	ADV
fsr-3163	35	12	be	be	AUX
fsr-3163	35	13	two	two	NUM
fsr-3163	35	14	routes	route	NOUN
fsr-3163	35	15	to	to	ADP
fsr-3163	35	16	the	the	DET
fsr-3163	35	17	same	same	ADJ
fsr-3163	35	18	destination	destination	NOUN
fsr-3163	35	19	—	—	PUNCT
fsr-3163	35	20	taking	take	VERB
fsr-3163	35	21	individual	individual	ADJ
fsr-3163	35	22	financial	financial	ADJ
fsr-3163	35	23	responsibility	responsibility	NOUN
fsr-3163	35	24	later	later	ADV
fsr-3163	35	25	in	in	ADP
fsr-3163	35	26	life	life	NOUN
fsr-3163	35	27	.	.	PUNCT
fsr-3163	36	1	the	the	DET
fsr-3163	36	2	premise	premise	NOUN
fsr-3163	36	3	of	of	ADP
fsr-3163	36	4	wahla	wahla	NOUN
fsr-3163	36	5	and	and	CCONJ
fsr-3163	36	6	colleagues	colleague	NOUN
fsr-3163	36	7	’	'	PUNCT
fsr-3163	36	8	(	(	PUNCT
fsr-3163	36	9	wahla	wahla	PROPN
fsr-3163	36	10	et	et	PROPN
fsr-3163	36	11	al	al	PROPN
fsr-3163	36	12	.	.	PROPN
fsr-3163	36	13	,	,	PUNCT
fsr-3163	36	14	2019	2019	NUM
fsr-3163	36	15	)	)	PUNCT
fsr-3163	36	16	study	study	NOUN
fsr-3163	36	17	is	be	AUX
fsr-3163	36	18	that	that	SCONJ
fsr-3163	36	19	human	human	ADJ
fsr-3163	36	20	beings	being	NOUN
fsr-3163	36	21	do	do	AUX
fsr-3163	36	22	not	not	PART
fsr-3163	36	23	act	act	VERB
fsr-3163	36	24	rationally	rationally	ADV
fsr-3163	36	25	.	.	PUNCT
fsr-3163	37	1	they	they	PRON
fsr-3163	37	2	tend	tend	VERB
fsr-3163	37	3	to	to	PART
fsr-3163	37	4	be	be	AUX
fsr-3163	37	5	involved	involve	VERB
fsr-3163	37	6	in	in	ADP
fsr-3163	37	7	decisions	decision	NOUN
fsr-3163	37	8	based	base	VERB
fsr-3163	37	9	on	on	ADP
fsr-3163	37	10	heuristics	heuristic	NOUN
fsr-3163	37	11	and	and	CCONJ
fsr-3163	37	12	mental	mental	ADJ
fsr-3163	37	13	shortcuts	shortcut	NOUN
fsr-3163	37	14	.	.	PUNCT
fsr-3163	38	1	they	they	PRON
fsr-3163	38	2	could	could	AUX
fsr-3163	38	3	be	be	AUX
fsr-3163	38	4	frame	frame	NOUN
fsr-3163	38	5	-	-	PUNCT
fsr-3163	38	6	dependent	dependent	ADJ
fsr-3163	38	7	due	due	ADP
fsr-3163	38	8	to	to	ADP
fsr-3163	38	9	their	their	PRON
fsr-3163	38	10	restricted	restrict	VERB
fsr-3163	38	11	ability	ability	NOUN
fsr-3163	38	12	to	to	PART
fsr-3163	38	13	absorb	absorb	VERB
fsr-3163	38	14	excessive	excessive	ADJ
fsr-3163	38	15	information	information	NOUN
fsr-3163	38	16	in	in	ADP
fsr-3163	38	17	complex	complex	ADJ
fsr-3163	38	18	learning	learning	NOUN
fsr-3163	38	19	environments	environment	NOUN
fsr-3163	38	20	.	.	PUNCT
fsr-3163	39	1	the	the	DET
fsr-3163	39	2	irrational	irrational	ADJ
fsr-3163	39	3	approach	approach	NOUN
fsr-3163	39	4	of	of	ADP
fsr-3163	39	5	individuals	individual	NOUN
fsr-3163	39	6	could	could	AUX
fsr-3163	39	7	lead	lead	VERB
fsr-3163	39	8	them	they	PRON
fsr-3163	39	9	to	to	PART
fsr-3163	39	10	exercise	exercise	VERB
fsr-3163	39	11	negative	negative	ADJ
fsr-3163	39	12	investment	investment	NOUN
fsr-3163	39	13	behaviors	behavior	NOUN
fsr-3163	39	14	.	.	PUNCT
fsr-3163	40	1	negative	negative	ADJ
fsr-3163	40	2	investment	investment	NOUN
fsr-3163	40	3	behaviors	behavior	NOUN
fsr-3163	40	4	by	by	ADP
fsr-3163	40	5	individuals	individual	NOUN
fsr-3163	40	6	could	could	AUX
fsr-3163	40	7	also	also	ADV
fsr-3163	40	8	adversely	adversely	ADV
fsr-3163	40	9	influence	influence	VERB
fsr-3163	40	10	their	their	PRON
fsr-3163	40	11	financial	financial	ADJ
fsr-3163	40	12	well	well	NOUN
fsr-3163	40	13	-	-	PUNCT
fsr-3163	40	14	being	being	NOUN
fsr-3163	40	15	.	.	PUNCT
fsr-3163	41	1	the	the	DET
fsr-3163	41	2	obvious	obvious	ADJ
fsr-3163	41	3	conclusion	conclusion	NOUN
fsr-3163	41	4	is	be	AUX
fsr-3163	41	5	that	that	SCONJ
fsr-3163	41	6	poor	poor	ADJ
fsr-3163	41	7	financial	financial	ADJ
fsr-3163	41	8	behaviors	behavior	NOUN
fsr-3163	41	9	can	can	AUX
fsr-3163	41	10	lead	lead	VERB
fsr-3163	41	11	to	to	ADP
fsr-3163	41	12	vulnerability	vulnerability	NOUN
fsr-3163	41	13	due	due	ADP
fsr-3163	41	14	to	to	ADP
fsr-3163	41	15	a	a	DET
fsr-3163	41	16	lack	lack	NOUN
fsr-3163	41	17	of	of	ADP
fsr-3163	41	18	resources	resource	NOUN
fsr-3163	41	19	in	in	ADP
fsr-3163	41	20	an	an	DET
fsr-3163	41	21	emergency	emergency	NOUN
fsr-3163	41	22	(	(	PUNCT
fsr-3163	41	23	also	also	ADV
fsr-3163	41	24	classified	classify	VERB
fsr-3163	41	25	as	as	ADP
fsr-3163	41	26	a	a	DET
fsr-3163	41	27	financial	financial	ADJ
fsr-3163	41	28	stressor	stressor	NOUN
fsr-3163	41	29	event	event	NOUN
fsr-3163	41	30	)	)	PUNCT
fsr-3163	41	31	.	.	PUNCT
fsr-3163	42	1	according	accord	VERB
fsr-3163	42	2	to	to	ADP
fsr-3163	42	3	mello	mello	PROPN
fsr-3163	42	4	(	(	PUNCT
fsr-3163	42	5	2018	2018	NUM
fsr-3163	42	6	)	)	PUNCT
fsr-3163	42	7	,	,	PUNCT
fsr-3163	42	8	first	first	ADV
fsr-3163	42	9	,	,	PUNCT
fsr-3163	42	10	322	322	NUM
fsr-3163	42	11	c.	c.	PROPN
fsr-3163	42	12	w.	w.	PROPN
fsr-3163	42	13	copeland	copeland	PROPN
fsr-3163	42	14	et	et	PROPN
fsr-3163	42	15	al	al	PROPN
fsr-3163	42	16	.	.	PUNCT
fsr-3163	42	17	/	/	SYM
fsr-3163	42	18	financial	financial	ADJ
fsr-3163	42	19	services	service	NOUN
fsr-3163	42	20	review	review	VERB
fsr-3163	42	21	30	30	NUM
fsr-3163	42	22	(	(	PUNCT
fsr-3163	42	23	2022	2022	NUM
fsr-3163	42	24	)	)	PUNCT
fsr-3163	43	1	321–336	321–336	NUM
fsr-3163	43	2	consistent	consistent	ADJ
fsr-3163	43	3	with	with	ADP
fsr-3163	43	4	previous	previous	ADJ
fsr-3163	43	5	research	research	NOUN
fsr-3163	43	6	regarding	regard	VERB
fsr-3163	43	7	the	the	DET
fsr-3163	43	8	literature	literature	NOUN
fsr-3163	43	9	demonstrating	demonstrate	VERB
fsr-3163	43	10	widespread	widespread	ADJ
fsr-3163	43	11	financial	financial	ADJ
fsr-3163	43	12	fragility	fragility	NOUN
fsr-3163	43	13	among	among	ADP
fsr-3163	43	14	u.s	u.s	PROPN
fsr-3163	43	15	.	.	PROPN
fsr-3163	43	16	households	household	NOUN
fsr-3163	43	17	,	,	PUNCT
fsr-3163	43	18	the	the	DET
fsr-3163	43	19	results	result	NOUN
fsr-3163	43	20	suggest	suggest	VERB
fsr-3163	43	21	that	that	SCONJ
fsr-3163	43	22	many	many	ADJ
fsr-3163	43	23	households	household	NOUN
fsr-3163	43	24	are	be	AUX
fsr-3163	43	25	underinsured	underinsured	ADJ
fsr-3163	43	26	against	against	ADP
fsr-3163	43	27	even	even	ADV
fsr-3163	43	28	small	small	ADJ
fsr-3163	43	29	financial	financial	ADJ
fsr-3163	43	30	shocks	shock	NOUN
fsr-3163	43	31	.	.	PUNCT
fsr-3163	44	1	when	when	SCONJ
fsr-3163	44	2	faced	face	VERB
fsr-3163	44	3	with	with	ADP
fsr-3163	44	4	a	a	DET
fsr-3163	44	5	traffic	traffic	NOUN
fsr-3163	44	6	fine	fine	NOUN
fsr-3163	44	7	of	of	ADP
fsr-3163	44	8	less	less	ADJ
fsr-3163	44	9	than	than	ADP
fsr-3163	44	10	$	$	SYM
fsr-3163	44	11	200	200	NUM
fsr-3163	44	12	,	,	PUNCT
fsr-3163	44	13	individuals	individual	NOUN
fsr-3163	44	14	accrue	accrue	VERB
fsr-3163	44	15	collections	collection	NOUN
fsr-3163	44	16	and	and	CCONJ
fsr-3163	44	17	delinquencies	delinquency	NOUN
fsr-3163	44	18	on	on	ADP
fsr-3163	44	19	their	their	PRON
fsr-3163	44	20	credit	credit	NOUN
fsr-3163	44	21	reports	report	NOUN
fsr-3163	44	22	,	,	PUNCT
fsr-3163	44	23	suggesting	suggest	VERB
fsr-3163	44	24	their	their	PRON
fsr-3163	44	25	inability	inability	NOUN
fsr-3163	44	26	to	to	PART
fsr-3163	44	27	cover	cover	VERB
fsr-3163	44	28	an	an	DET
fsr-3163	44	29	unexpected	unexpected	ADJ
fsr-3163	44	30	expense	expense	NOUN
fsr-3163	44	31	.	.	PUNCT
fsr-3163	45	1	second	second	ADJ
fsr-3163	45	2	,	,	PUNCT
fsr-3163	45	3	individuals	individual	NOUN
fsr-3163	45	4	exhibiting	exhibit	VERB
fsr-3163	45	5	minimal	minimal	ADJ
fsr-3163	45	6	distress	distress	NOUN
fsr-3163	45	7	at	at	ADP
fsr-3163	45	8	the	the	DET
fsr-3163	45	9	baseline	baseline	NOUN
fsr-3163	45	10	are	be	AUX
fsr-3163	45	11	mainly	mainly	ADV
fsr-3163	45	12	unaffected	unaffected	ADJ
fsr-3163	45	13	by	by	ADP
fsr-3163	45	14	nuisance	nuisance	ADJ
fsr-3163	45	15	fines	fine	NOUN
fsr-3163	45	16	,	,	PUNCT
fsr-3163	45	17	while	while	SCONJ
fsr-3163	45	18	those	those	PRON
fsr-3163	45	19	already	already	ADV
fsr-3163	45	20	facing	face	VERB
fsr-3163	45	21	several	several	ADJ
fsr-3163	45	22	unpaid	unpaid	ADJ
fsr-3163	45	23	bills	bill	NOUN
fsr-3163	45	24	experience	experience	VERB
fsr-3163	45	25	the	the	DET
fsr-3163	45	26	most	most	ADV
fsr-3163	45	27	significant	significant	ADJ
fsr-3163	45	28	declines	decline	NOUN
fsr-3163	45	29	in	in	ADP
fsr-3163	45	30	financial	financial	ADJ
fsr-3163	45	31	well	well	NOUN
fsr-3163	45	32	-	-	PUNCT
fsr-3163	45	33	being	be	AUX
fsr-3163	45	34	(	(	PUNCT
fsr-3163	45	35	mello	mello	PROPN
fsr-3163	45	36	,	,	PUNCT
fsr-3163	45	37	2018	2018	NUM
fsr-3163	45	38	)	)	PUNCT
fsr-3163	45	39	.	.	PUNCT
fsr-3163	46	1	3	3	X
fsr-3163	46	2	.	.	X
fsr-3163	46	3	literature	literature	PROPN
fsr-3163	46	4	review	review	PROPN
fsr-3163	46	5	3.1	3.1	NUM
fsr-3163	46	6	.	.	PUNCT
fsr-3163	47	1	discrimination	discrimination	NOUN
fsr-3163	47	2	in	in	ADP
fsr-3163	47	3	employment	employment	NOUN
fsr-3163	47	4	and	and	CCONJ
fsr-3163	47	5	homeownership	homeownership	NOUN
fsr-3163	47	6	although	although	SCONJ
fsr-3163	47	7	it	it	PRON
fsr-3163	47	8	is	be	AUX
fsr-3163	47	9	easy	easy	ADJ
fsr-3163	47	10	to	to	PART
fsr-3163	47	11	point	point	VERB
fsr-3163	47	12	the	the	DET
fsr-3163	47	13	finger	finger	NOUN
fsr-3163	47	14	at	at	ADP
fsr-3163	47	15	the	the	DET
fsr-3163	47	16	individual	individual	ADJ
fsr-3163	47	17	,	,	PUNCT
fsr-3163	47	18	numerous	numerous	ADJ
fsr-3163	47	19	external	external	ADJ
fsr-3163	47	20	forces	force	NOUN
fsr-3163	47	21	play	play	VERB
fsr-3163	47	22	a	a	DET
fsr-3163	47	23	pivotal	pivotal	ADJ
fsr-3163	47	24	role	role	NOUN
fsr-3163	47	25	in	in	ADP
fsr-3163	47	26	african	african	ADJ
fsr-3163	47	27	americans	americans	PROPN
fsr-3163	47	28	’	’	PART
fsr-3163	47	29	low	low	ADJ
fsr-3163	47	30	level	level	NOUN
fsr-3163	47	31	of	of	ADP
fsr-3163	47	32	financial	financial	ADJ
fsr-3163	47	33	well	well	NOUN
fsr-3163	47	34	-	-	PUNCT
fsr-3163	47	35	being	being	NOUN
fsr-3163	47	36	.	.	PUNCT
fsr-3163	48	1	although	although	SCONJ
fsr-3163	48	2	the	the	DET
fsr-3163	48	3	order	order	NOUN
fsr-3163	48	4	hierarchy	hierarchy	NOUN
fsr-3163	48	5	is	be	AUX
fsr-3163	48	6	random	random	ADJ
fsr-3163	48	7	,	,	PUNCT
fsr-3163	48	8	the	the	DET
fsr-3163	48	9	severity	severity	NOUN
fsr-3163	48	10	is	be	AUX
fsr-3163	48	11	felt	feel	VERB
fsr-3163	48	12	across	across	ADP
fsr-3163	48	13	these	these	DET
fsr-3163	48	14	external	external	ADJ
fsr-3163	48	15	forces	force	NOUN
fsr-3163	48	16	,	,	PUNCT
fsr-3163	48	17	for	for	ADP
fsr-3163	48	18	example	example	NOUN
fsr-3163	48	19	,	,	PUNCT
fsr-3163	48	20	the	the	DET
fsr-3163	48	21	lack	lack	NOUN
fsr-3163	48	22	of	of	ADP
fsr-3163	48	23	housing	housing	NOUN
fsr-3163	48	24	equity	equity	NOUN
fsr-3163	48	25	and	and	CCONJ
fsr-3163	48	26	low	low	ADJ
fsr-3163	48	27	employment	employment	NOUN
fsr-3163	48	28	prospects	prospect	NOUN
fsr-3163	48	29	resulting	result	VERB
fsr-3163	48	30	from	from	ADP
fsr-3163	48	31	discrimination	discrimination	NOUN
fsr-3163	48	32	against	against	ADP
fsr-3163	48	33	african	african	ADJ
fsr-3163	48	34	americans	americans	PROPN
fsr-3163	48	35	.	.	PUNCT
fsr-3163	49	1	some	some	PRON
fsr-3163	49	2	of	of	ADP
fsr-3163	49	3	the	the	DET
fsr-3163	49	4	best	good	ADJ
fsr-3163	49	5	evidence	evidence	NOUN
fsr-3163	49	6	regarding	regard	VERB
fsr-3163	49	7	the	the	DET
fsr-3163	49	8	persistence	persistence	NOUN
fsr-3163	49	9	of	of	ADP
fsr-3163	49	10	employment	employment	NOUN
fsr-3163	49	11	discrimination	discrimination	NOUN
fsr-3163	49	12	comes	come	VERB
fsr-3163	49	13	from	from	ADP
fsr-3163	49	14	audit	audit	NOUN
fsr-3163	49	15	studies	study	NOUN
fsr-3163	49	16	conducted	conduct	VERB
fsr-3163	49	17	by	by	ADP
fsr-3163	49	18	the	the	DET
fsr-3163	49	19	urban	urban	PROPN
fsr-3163	49	20	institute	institute	PROPN
fsr-3163	49	21	(	(	PUNCT
fsr-3163	49	22	fix	fix	NOUN
fsr-3163	49	23	&	&	CCONJ
fsr-3163	49	24	struyk	struyk	NOUN
fsr-3163	49	25	,	,	PUNCT
fsr-3163	49	26	1993	1993	NUM
fsr-3163	49	27	)	)	PUNCT
fsr-3163	49	28	.	.	PUNCT
fsr-3163	50	1	in	in	ADP
fsr-3163	50	2	these	these	DET
fsr-3163	50	3	studies	study	NOUN
fsr-3163	50	4	,	,	PUNCT
fsr-3163	50	5	white	white	ADJ
fsr-3163	50	6	applicants	applicant	NOUN
fsr-3163	50	7	were	be	AUX
fsr-3163	50	8	favored	favor	VERB
fsr-3163	50	9	over	over	ADP
fsr-3163	50	10	black	black	ADJ
fsr-3163	50	11	applicants	applicant	NOUN
fsr-3163	50	12	with	with	ADP
fsr-3163	50	13	identical	identical	ADJ
fsr-3163	50	14	qualifications	qualification	NOUN
fsr-3163	50	15	20	20	NUM
fsr-3163	50	16	%	%	NOUN
fsr-3163	50	17	of	of	ADP
fsr-3163	50	18	the	the	DET
fsr-3163	50	19	time	time	NOUN
fsr-3163	50	20	.	.	PUNCT
fsr-3163	51	1	thus	thus	ADV
fsr-3163	51	2	,	,	PUNCT
fsr-3163	51	3	negative	negative	ADJ
fsr-3163	51	4	racial	racial	ADJ
fsr-3163	51	5	stereotypes	stereotype	NOUN
fsr-3163	51	6	of	of	ADP
fsr-3163	51	7	african	african	ADJ
fsr-3163	51	8	americans	americans	PROPN
fsr-3163	51	9	appear	appear	VERB
fsr-3163	51	10	to	to	PART
fsr-3163	51	11	play	play	VERB
fsr-3163	51	12	a	a	DET
fsr-3163	51	13	role	role	NOUN
fsr-3163	51	14	,	,	PUNCT
fsr-3163	51	15	both	both	CCONJ
fsr-3163	51	16	when	when	SCONJ
fsr-3163	51	17	individual	individual	ADJ
fsr-3163	51	18	employers	employer	NOUN
fsr-3163	51	19	evaluate	evaluate	VERB
fsr-3163	51	20	potential	potential	ADJ
fsr-3163	51	21	applicants	applicant	NOUN
fsr-3163	51	22	and	and	CCONJ
fsr-3163	51	23	when	when	SCONJ
fsr-3163	51	24	corporate	corporate	ADJ
fsr-3163	51	25	decision	decision	NOUN
fsr-3163	51	26	-	-	PUNCT
fsr-3163	51	27	makers	maker	NOUN
fsr-3163	51	28	deliberate	deliberate	ADJ
fsr-3163	51	29	about	about	ADP
fsr-3163	51	30	the	the	DET
fsr-3163	51	31	possible	possible	ADJ
fsr-3163	51	32	locations	location	NOUN
fsr-3163	51	33	of	of	ADP
fsr-3163	51	34	employment	employment	NOUN
fsr-3163	51	35	facilities	facility	NOUN
fsr-3163	51	36	(	(	PUNCT
fsr-3163	51	37	fix	fix	NOUN
fsr-3163	51	38	&	&	CCONJ
fsr-3163	51	39	struyk	struyk	NOUN
fsr-3163	51	40	,	,	PUNCT
fsr-3163	51	41	1993	1993	NUM
fsr-3163	51	42	)	)	PUNCT
fsr-3163	51	43	.	.	PUNCT
fsr-3163	52	1	there	there	PRON
fsr-3163	52	2	is	be	VERB
fsr-3163	52	3	a	a	DET
fsr-3163	52	4	long	long	ADV
fsr-3163	52	5	-	-	PUNCT
fsr-3163	52	6	documented	document	VERB
fsr-3163	52	7	history	history	NOUN
fsr-3163	52	8	of	of	ADP
fsr-3163	52	9	employment	employment	NOUN
fsr-3163	52	10	discrimination	discrimination	NOUN
fsr-3163	52	11	in	in	ADP
fsr-3163	52	12	the	the	DET
fsr-3163	52	13	united	united	PROPN
fsr-3163	52	14	states	states	PROPN
fsr-3163	52	15	;	;	PUNCT
fsr-3163	52	16	however	however	ADV
fsr-3163	52	17	,	,	PUNCT
fsr-3163	52	18	consumer	consumer	NOUN
fsr-3163	52	19	-	-	PUNCT
fsr-3163	52	20	level	level	NOUN
fsr-3163	52	21	discrimination	discrimination	NOUN
fsr-3163	52	22	can	can	AUX
fsr-3163	52	23	be	be	AUX
fsr-3163	52	24	equally	equally	ADV
fsr-3163	52	25	damaging	damaging	ADJ
fsr-3163	52	26	.	.	PUNCT
fsr-3163	53	1	if	if	SCONJ
fsr-3163	53	2	consumer	consumer	NOUN
fsr-3163	53	3	discrimination	discrimination	NOUN
fsr-3163	53	4	exists	exist	VERB
fsr-3163	53	5	,	,	PUNCT
fsr-3163	53	6	growth	growth	NOUN
fsr-3163	53	7	in	in	ADP
fsr-3163	53	8	consumer	consumer	NOUN
fsr-3163	53	9	contact	contact	NOUN
fsr-3163	53	10	may	may	AUX
fsr-3163	53	11	help	help	VERB
fsr-3163	53	12	explain	explain	VERB
fsr-3163	53	13	recent	recent	ADJ
fsr-3163	53	14	declines	decline	NOUN
fsr-3163	53	15	in	in	ADP
fsr-3163	53	16	blacks	black	NOUN
fsr-3163	53	17	’	'	PUNCT
fsr-3163	53	18	relative	relative	ADJ
fsr-3163	53	19	earnings	earning	NOUN
fsr-3163	53	20	and	and	CCONJ
fsr-3163	53	21	employment	employment	NOUN
fsr-3163	54	1	[	[	X
fsr-3163	54	2	to	to	ADP
fsr-3163	54	3	whites	white	NOUN
fsr-3163	54	4	]	]	PUNCT
fsr-3163	54	5	(	(	PUNCT
fsr-3163	54	6	holzer	holzer	PROPN
fsr-3163	54	7	&	&	CCONJ
fsr-3163	54	8	ihlanfeldt	ihlanfeldt	PROPN
fsr-3163	54	9	,	,	PUNCT
fsr-3163	54	10	1998	1998	NUM
fsr-3163	54	11	)	)	PUNCT
fsr-3163	54	12	.	.	PUNCT
fsr-3163	55	1	federal	federal	ADJ
fsr-3163	55	2	laws	law	NOUN
fsr-3163	55	3	have	have	AUX
fsr-3163	55	4	been	be	AUX
fsr-3163	55	5	implemented	implement	VERB
fsr-3163	55	6	over	over	ADP
fsr-3163	55	7	the	the	DET
fsr-3163	55	8	years	year	NOUN
fsr-3163	55	9	to	to	PART
fsr-3163	55	10	combat	combat	VERB
fsr-3163	55	11	racial	racial	ADJ
fsr-3163	55	12	discrimination	discrimination	NOUN
fsr-3163	55	13	by	by	ADP
fsr-3163	55	14	employers	employer	NOUN
fsr-3163	55	15	;	;	PUNCT
fsr-3163	55	16	however	however	ADV
fsr-3163	55	17	,	,	PUNCT
fsr-3163	55	18	how	how	SCONJ
fsr-3163	55	19	is	be	AUX
fsr-3163	55	20	the	the	DET
fsr-3163	55	21	battle	battle	NOUN
fsr-3163	55	22	won	win	VERB
fsr-3163	55	23	when	when	SCONJ
fsr-3163	55	24	the	the	DET
fsr-3163	55	25	discriminating	discriminate	VERB
fsr-3163	55	26	group	group	NOUN
fsr-3163	55	27	(	(	PUNCT
fsr-3163	55	28	i.e.	i.e.	X
fsr-3163	55	29	,	,	PUNCT
fsr-3163	55	30	customers	customer	NOUN
fsr-3163	55	31	)	)	PUNCT
fsr-3163	55	32	can	can	AUX
fsr-3163	55	33	not	not	PART
fsr-3163	55	34	be	be	AUX
fsr-3163	55	35	subjected	subject	VERB
fsr-3163	55	36	to	to	ADP
fsr-3163	55	37	legislation	legislation	NOUN
fsr-3163	55	38	?	?	PUNCT
fsr-3163	56	1	the	the	DET
fsr-3163	56	2	discrimination	discrimination	NOUN
fsr-3163	56	3	experienced	experience	VERB
fsr-3163	56	4	by	by	ADP
fsr-3163	56	5	black	black	ADJ
fsr-3163	56	6	workers	worker	NOUN
fsr-3163	56	7	due	due	ADP
fsr-3163	56	8	to	to	ADP
fsr-3163	56	9	the	the	DET
fsr-3163	56	10	preferences	preference	NOUN
fsr-3163	56	11	of	of	ADP
fsr-3163	56	12	white	white	ADJ
fsr-3163	56	13	customers	customer	NOUN
fsr-3163	56	14	is	be	AUX
fsr-3163	56	15	likely	likely	ADJ
fsr-3163	56	16	to	to	PART
fsr-3163	56	17	have	have	VERB
fsr-3163	56	18	more	more	ADJ
fsr-3163	56	19	negative	negative	ADJ
fsr-3163	56	20	effects	effect	NOUN
fsr-3163	56	21	on	on	ADP
fsr-3163	56	22	their	their	PRON
fsr-3163	56	23	wages	wage	NOUN
fsr-3163	56	24	and	and	CCONJ
fsr-3163	56	25	employment	employment	NOUN
fsr-3163	56	26	than	than	ADP
fsr-3163	56	27	any	any	DET
fsr-3163	56	28	discrimination	discrimination	NOUN
fsr-3163	56	29	experienced	experience	VERB
fsr-3163	56	30	by	by	ADP
fsr-3163	56	31	white	white	ADJ
fsr-3163	56	32	workers	worker	NOUN
fsr-3163	56	33	due	due	ADP
fsr-3163	56	34	to	to	ADP
fsr-3163	56	35	black	black	ADJ
fsr-3163	56	36	customers	customer	NOUN
fsr-3163	56	37	,	,	PUNCT
fsr-3163	56	38	as	as	SCONJ
fsr-3163	56	39	whites	white	NOUN
fsr-3163	56	40	are	be	AUX
fsr-3163	56	41	more	more	ADV
fsr-3163	56	42	able	able	ADJ
fsr-3163	56	43	to	to	PART
fsr-3163	56	44	find	find	VERB
fsr-3163	56	45	employment	employment	NOUN
fsr-3163	56	46	in	in	ADP
fsr-3163	56	47	sectors	sector	NOUN
fsr-3163	56	48	without	without	ADP
fsr-3163	56	49	customer	customer	NOUN
fsr-3163	56	50	discrimination	discrimination	NOUN
fsr-3163	56	51	against	against	ADP
fsr-3163	56	52	them	they	PRON
fsr-3163	56	53	(	(	PUNCT
fsr-3163	56	54	holzer	holzer	PROPN
fsr-3163	56	55	&	&	CCONJ
fsr-3163	56	56	ihlanfeldt	ihlanfeldt	PROPN
fsr-3163	56	57	,	,	PUNCT
fsr-3163	56	58	1998	1998	NUM
fsr-3163	56	59	)	)	PUNCT
fsr-3163	56	60	.	.	PUNCT
fsr-3163	57	1	stable	stable	ADJ
fsr-3163	57	2	employment	employment	NOUN
fsr-3163	57	3	is	be	AUX
fsr-3163	57	4	at	at	ADP
fsr-3163	57	5	the	the	DET
fsr-3163	57	6	foundation	foundation	NOUN
fsr-3163	57	7	of	of	ADP
fsr-3163	57	8	positioning	position	VERB
fsr-3163	57	9	oneself	oneself	PRON
fsr-3163	57	10	for	for	ADP
fsr-3163	57	11	wealth	wealth	NOUN
fsr-3163	57	12	accumulation	accumulation	NOUN
fsr-3163	57	13	.	.	PUNCT
fsr-3163	58	1	without	without	ADP
fsr-3163	58	2	it	it	PRON
fsr-3163	58	3	,	,	PUNCT
fsr-3163	58	4	the	the	DET
fsr-3163	58	5	premise	premise	NOUN
fsr-3163	58	6	of	of	ADP
fsr-3163	58	7	homeownership	homeownership	NOUN
fsr-3163	58	8	and	and	CCONJ
fsr-3163	58	9	investment	investment	NOUN
fsr-3163	58	10	does	do	AUX
fsr-3163	58	11	not	not	PART
fsr-3163	58	12	exist	exist	VERB
fsr-3163	58	13	.	.	PUNCT
fsr-3163	59	1	nevertheless	nevertheless	ADV
fsr-3163	59	2	,	,	PUNCT
fsr-3163	59	3	even	even	ADV
fsr-3163	59	4	when	when	SCONJ
fsr-3163	59	5	stable	stable	ADJ
fsr-3163	59	6	employment	employment	NOUN
fsr-3163	59	7	is	be	AUX
fsr-3163	59	8	legislated	legislate	VERB
fsr-3163	59	9	,	,	PUNCT
fsr-3163	59	10	barriers	barrier	NOUN
fsr-3163	59	11	to	to	ADP
fsr-3163	59	12	homeownership	homeownership	NOUN
fsr-3163	59	13	may	may	AUX
fsr-3163	59	14	still	still	ADV
fsr-3163	59	15	exist	exist	VERB
fsr-3163	59	16	.	.	PUNCT
fsr-3163	60	1	because	because	SCONJ
fsr-3163	60	2	much	much	ADJ
fsr-3163	60	3	of	of	ADP
fsr-3163	60	4	the	the	DET
fsr-3163	60	5	wealth	wealth	NOUN
fsr-3163	60	6	of	of	ADP
fsr-3163	60	7	most	most	ADJ
fsr-3163	60	8	american	american	ADJ
fsr-3163	60	9	families	family	NOUN
fsr-3163	60	10	take	take	VERB
fsr-3163	60	11	the	the	DET
fsr-3163	60	12	form	form	NOUN
fsr-3163	60	13	of	of	ADP
fsr-3163	60	14	home	home	NOUN
fsr-3163	60	15	equity	equity	NOUN
fsr-3163	60	16	,	,	PUNCT
fsr-3163	60	17	a	a	DET
fsr-3163	60	18	substantial	substantial	ADJ
fsr-3163	60	19	part	part	NOUN
fsr-3163	60	20	of	of	ADP
fsr-3163	60	21	this	this	DET
fsr-3163	60	22	race	race	NOUN
fsr-3163	60	23	-	-	PUNCT
fsr-3163	60	24	based	base	VERB
fsr-3163	60	25	inequity	inequity	NOUN
fsr-3163	60	26	in	in	ADP
fsr-3163	60	27	homeownership	homeownership	NOUN
fsr-3163	60	28	is	be	AUX
fsr-3163	60	29	linked	link	VERB
fsr-3163	60	30	to	to	ADP
fsr-3163	60	31	housing	housing	NOUN
fsr-3163	60	32	policies	policy	NOUN
fsr-3163	60	33	and	and	CCONJ
fsr-3163	60	34	institutional	institutional	ADJ
fsr-3163	60	35	discrimination	discrimination	NOUN
fsr-3163	60	36	experienced	experience	VERB
fsr-3163	60	37	in	in	ADP
fsr-3163	60	38	the	the	DET
fsr-3163	60	39	past	past	NOUN
fsr-3163	60	40	(	(	PUNCT
fsr-3163	60	41	oliver	oliver	PROPN
fsr-3163	60	42	&	&	CCONJ
fsr-3163	60	43	shapiro	shapiro	PROPN
fsr-3163	60	44	,	,	PUNCT
fsr-3163	60	45	2006	2006	NUM
fsr-3163	60	46	)	)	PUNCT
fsr-3163	60	47	.	.	PUNCT
fsr-3163	61	1	in	in	ADP
fsr-3163	61	2	an	an	DET
fsr-3163	61	3	optimally	optimally	ADV
fsr-3163	61	4	functioning	function	VERB
fsr-3163	61	5	housing	housing	NOUN
fsr-3163	61	6	market	market	NOUN
fsr-3163	61	7	,	,	PUNCT
fsr-3163	61	8	it	it	PRON
fsr-3163	61	9	could	could	AUX
fsr-3163	61	10	be	be	AUX
fsr-3163	61	11	assumed	assume	VERB
fsr-3163	61	12	that	that	SCONJ
fsr-3163	61	13	each	each	DET
fsr-3163	61	14	household	household	NOUN
fsr-3163	61	15	selects	select	VERB
fsr-3163	61	16	the	the	DET
fsr-3163	61	17	type	type	NOUN
fsr-3163	61	18	of	of	ADP
fsr-3163	61	19	tenure	tenure	NOUN
fsr-3163	61	20	that	that	PRON
fsr-3163	61	21	maximizes	maximize	VERB
fsr-3163	61	22	its	its	PRON
fsr-3163	61	23	utility	utility	NOUN
fsr-3163	61	24	.	.	PUNCT
fsr-3163	62	1	people	people	NOUN
fsr-3163	62	2	who	who	PRON
fsr-3163	62	3	move	move	VERB
fsr-3163	62	4	frequently	frequently	ADV
fsr-3163	62	5	are	be	AUX
fsr-3163	62	6	highly	highly	ADV
fsr-3163	62	7	risk	risk	NOUN
fsr-3163	62	8	-	-	PUNCT
fsr-3163	62	9	averse	averse	ADJ
fsr-3163	62	10	or	or	CCONJ
fsr-3163	62	11	dislike	dislike	VERB
fsr-3163	62	12	the	the	DET
fsr-3163	62	13	responsibilities	responsibility	NOUN
fsr-3163	62	14	of	of	ADP
fsr-3163	62	15	homeownership	homeownership	NOUN
fsr-3163	62	16	would	would	AUX
fsr-3163	62	17	-	-	PUNCT
fsr-3163	62	18	be	be	AUX
fsr-3163	62	19	renters	renter	NOUN
fsr-3163	62	20	.	.	PUNCT
fsr-3163	63	1	people	people	NOUN
fsr-3163	63	2	who	who	PRON
fsr-3163	63	3	desire	desire	VERB
fsr-3163	63	4	to	to	PART
fsr-3163	63	5	use	use	VERB
fsr-3163	63	6	small	small	ADJ
fsr-3163	63	7	housing	housing	NOUN
fsr-3163	63	8	services	service	NOUN
fsr-3163	63	9	rent	rent	VERB
fsr-3163	63	10	because	because	SCONJ
fsr-3163	63	11	small	small	ADJ
fsr-3163	63	12	housing	housing	NOUN
fsr-3163	63	13	units	unit	NOUN
fsr-3163	63	14	are	be	AUX
fsr-3163	63	15	not	not	PART
fsr-3163	63	16	generally	generally	ADV
fsr-3163	63	17	available	available	ADJ
fsr-3163	63	18	for	for	ADP
fsr-3163	63	19	purchase	purchase	NOUN
fsr-3163	63	20	.	.	PUNCT
fsr-3163	64	1	as	as	ADP
fsr-3163	64	2	c.	c.	PROPN
fsr-3163	64	3	w.	w.	PROPN
fsr-3163	64	4	copeland	copeland	PROPN
fsr-3163	64	5	et	et	PROPN
fsr-3163	64	6	al	al	PROPN
fsr-3163	64	7	.	.	PUNCT
fsr-3163	64	8	/	/	SYM
fsr-3163	64	9	financial	financial	ADJ
fsr-3163	64	10	services	service	NOUN
fsr-3163	64	11	review	review	VERB
fsr-3163	64	12	30	30	NUM
fsr-3163	64	13	(	(	PUNCT
fsr-3163	64	14	2022	2022	NUM
fsr-3163	64	15	)	)	PUNCT
fsr-3163	65	1	321–336	321–336	NUM
fsr-3163	65	2	323	323	NUM
fsr-3163	65	3	suggested	suggest	VERB
fsr-3163	65	4	by	by	ADP
fsr-3163	65	5	mcdonald	mcdonald	PROPN
fsr-3163	65	6	(	(	PUNCT
fsr-3163	65	7	1974	1974	NUM
fsr-3163	65	8	)	)	PUNCT
fsr-3163	65	9	,	,	PUNCT
fsr-3163	65	10	if	if	SCONJ
fsr-3163	65	11	it	it	PRON
fsr-3163	65	12	is	be	AUX
fsr-3163	65	13	presumed	presume	VERB
fsr-3163	65	14	that	that	PRON
fsr-3163	65	15	black	black	ADJ
fsr-3163	65	16	and	and	CCONJ
fsr-3163	65	17	white	white	ADJ
fsr-3163	65	18	americans	americans	PROPN
fsr-3163	65	19	do	do	AUX
fsr-3163	65	20	not	not	PART
fsr-3163	65	21	differ	differ	VERB
fsr-3163	65	22	in	in	ADP
fsr-3163	65	23	their	their	PRON
fsr-3163	65	24	risk	risk	NOUN
fsr-3163	65	25	aversion	aversion	NOUN
fsr-3163	65	26	and	and	CCONJ
fsr-3163	65	27	taste	taste	NOUN
fsr-3163	65	28	for	for	ADP
fsr-3163	65	29	the	the	DET
fsr-3163	65	30	responsibilities	responsibility	NOUN
fsr-3163	65	31	of	of	ADP
fsr-3163	65	32	homeownership	homeownership	NOUN
fsr-3163	65	33	,	,	PUNCT
fsr-3163	65	34	some	some	DET
fsr-3163	65	35	urban	urban	ADJ
fsr-3163	65	36	black	black	ADJ
fsr-3163	65	37	households	household	NOUN
fsr-3163	65	38	rent	rent	VERB
fsr-3163	65	39	but	but	CCONJ
fsr-3163	65	40	would	would	AUX
fsr-3163	65	41	own	own	VERB
fsr-3163	65	42	if	if	SCONJ
fsr-3163	65	43	they	they	PRON
fsr-3163	65	44	faced	face	VERB
fsr-3163	65	45	the	the	DET
fsr-3163	65	46	same	same	ADJ
fsr-3163	65	47	housing	housing	NOUN
fsr-3163	65	48	market	market	NOUN
fsr-3163	65	49	whites	white	NOUN
fsr-3163	65	50	face	face	VERB
fsr-3163	65	51	.	.	PUNCT
fsr-3163	66	1	the	the	DET
fsr-3163	66	2	white	white	PROPN
fsr-3163	66	3	housing	housing	PROPN
fsr-3163	66	4	submarket	submarket	PROPN
fsr-3163	66	5	is	be	AUX
fsr-3163	66	6	characterized	characterize	VERB
fsr-3163	66	7	by	by	ADP
fsr-3163	66	8	a	a	DET
fsr-3163	66	9	higher	high	ADJ
fsr-3163	66	10	relative	relative	ADJ
fsr-3163	66	11	number	number	NOUN
fsr-3163	66	12	of	of	ADP
fsr-3163	66	13	single	single	ADJ
fsr-3163	66	14	-	-	PUNCT
fsr-3163	66	15	family	family	NOUN
fsr-3163	66	16	houses	house	NOUN
fsr-3163	66	17	and	and	CCONJ
fsr-3163	66	18	less	less	ADJ
fsr-3163	66	19	difficulty	difficulty	NOUN
fsr-3163	66	20	obtaining	obtain	VERB
fsr-3163	66	21	mortgage	mortgage	NOUN
fsr-3163	66	22	credit	credit	NOUN
fsr-3163	66	23	(	(	PUNCT
fsr-3163	66	24	mcdonald	mcdonald	NOUN
fsr-3163	66	25	,	,	PUNCT
fsr-3163	66	26	1974	1974	NUM
fsr-3163	66	27	)	)	PUNCT
fsr-3163	66	28	.	.	PUNCT
fsr-3163	67	1	despite	despite	SCONJ
fsr-3163	67	2	u.s	u.s	PROPN
fsr-3163	67	3	.	.	PROPN
fsr-3163	67	4	policies	policy	NOUN
fsr-3163	67	5	to	to	PART
fsr-3163	67	6	increase	increase	VERB
fsr-3163	67	7	minority	minority	NOUN
fsr-3163	67	8	homeownership	homeownership	NOUN
fsr-3163	67	9	(	(	PUNCT
fsr-3163	67	10	or	or	CCONJ
fsr-3163	67	11	because	because	SCONJ
fsr-3163	67	12	of	of	ADP
fsr-3163	67	13	them	they	PRON
fsr-3163	67	14	)	)	PUNCT
fsr-3163	67	15	,	,	PUNCT
fsr-3163	67	16	the	the	DET
fsr-3163	67	17	housing	housing	NOUN
fsr-3163	67	18	market	market	NOUN
fsr-3163	67	19	and	and	CCONJ
fsr-3163	67	20	foreclosure	foreclosure	NOUN
fsr-3163	67	21	debacle	debacle	NOUN
fsr-3163	67	22	,	,	PUNCT
fsr-3163	67	23	fueled	fuel	VERB
fsr-3163	67	24	by	by	ADP
fsr-3163	67	25	lending	lend	VERB
fsr-3163	67	26	discrimination	discrimination	NOUN
fsr-3163	67	27	,	,	PUNCT
fsr-3163	67	28	has	have	AUX
fsr-3163	67	29	further	far	ADV
fsr-3163	67	30	exacerbated	exacerbate	VERB
fsr-3163	67	31	disparities	disparity	NOUN
fsr-3163	67	32	in	in	ADP
fsr-3163	67	33	homeownership	homeownership	NOUN
fsr-3163	67	34	between	between	ADP
fsr-3163	67	35	caucasians	caucasian	NOUN
fsr-3163	67	36	and	and	CCONJ
fsr-3163	67	37	minorities	minority	NOUN
fsr-3163	67	38	.	.	PUNCT
fsr-3163	68	1	in	in	ADP
fsr-3163	68	2	some	some	DET
fsr-3163	68	3	cases	case	NOUN
fsr-3163	68	4	,	,	PUNCT
fsr-3163	68	5	homeownership	homeownership	NOUN
fsr-3163	68	6	rates	rate	NOUN
fsr-3163	68	7	are	be	AUX
fsr-3163	68	8	worse	bad	ADJ
fsr-3163	68	9	than	than	ADP
fsr-3163	68	10	those	those	PRON
fsr-3163	68	11	that	that	PRON
fsr-3163	68	12	existed	exist	VERB
fsr-3163	68	13	nearly	nearly	ADV
fsr-3163	68	14	25	25	NUM
fsr-3163	68	15	years	year	NOUN
fsr-3163	68	16	ago	ago	ADV
fsr-3163	68	17	(	(	PUNCT
fsr-3163	68	18	williams	williams	PROPN
fsr-3163	68	19	,	,	PUNCT
fsr-3163	68	20	2015	2015	NUM
fsr-3163	68	21	)	)	PUNCT
fsr-3163	68	22	.	.	PUNCT
fsr-3163	69	1	for	for	ADP
fsr-3163	69	2	these	these	DET
fsr-3163	69	3	groups	group	NOUN
fsr-3163	69	4	,	,	PUNCT
fsr-3163	69	5	the	the	DET
fsr-3163	69	6	american	american	ADJ
fsr-3163	69	7	dream	dream	NOUN
fsr-3163	69	8	has	have	AUX
fsr-3163	69	9	become	become	VERB
fsr-3163	69	10	too	too	ADV
fsr-3163	69	11	elusive	elusive	ADJ
fsr-3163	69	12	.	.	PUNCT
fsr-3163	70	1	furthermore	furthermore	ADV
fsr-3163	70	2	,	,	PUNCT
fsr-3163	70	3	lending	lending	NOUN
fsr-3163	70	4	discrimination	discrimination	NOUN
fsr-3163	70	5	has	have	VERB
fsr-3163	70	6	trajectorial	trajectorial	ADJ
fsr-3163	70	7	effects	effect	NOUN
fsr-3163	70	8	on	on	ADP
fsr-3163	70	9	entire	entire	ADJ
fsr-3163	70	10	communities	community	NOUN
fsr-3163	70	11	(	(	PUNCT
fsr-3163	70	12	williams	williams	PROPN
fsr-3163	70	13	,	,	PUNCT
fsr-3163	70	14	2015	2015	NUM
fsr-3163	70	15	)	)	PUNCT
fsr-3163	70	16	.	.	PUNCT
fsr-3163	71	1	because	because	SCONJ
fsr-3163	71	2	of	of	ADP
fsr-3163	71	3	the	the	DET
fsr-3163	71	4	operation	operation	NOUN
fsr-3163	71	5	of	of	ADP
fsr-3163	71	6	these	these	DET
fsr-3163	71	7	large	large	ADJ
fsr-3163	71	8	-	-	PUNCT
fsr-3163	71	9	scale	scale	NOUN
fsr-3163	71	10	societal	societal	ADJ
fsr-3163	71	11	processes	process	NOUN
fsr-3163	71	12	,	,	PUNCT
fsr-3163	71	13	indicators	indicator	NOUN
fsr-3163	71	14	of	of	ADP
fsr-3163	71	15	socioeconomic	socioeconomic	ADJ
fsr-3163	71	16	status	status	NOUN
fsr-3163	71	17	are	be	AUX
fsr-3163	71	18	not	not	PART
fsr-3163	71	19	equivalent	equivalent	ADJ
fsr-3163	71	20	across	across	ADP
fsr-3163	71	21	racial	racial	ADJ
fsr-3163	71	22	groups	group	NOUN
fsr-3163	71	23	;	;	PUNCT
fsr-3163	71	24	this	this	PRON
fsr-3163	71	25	is	be	AUX
fsr-3163	71	26	true	true	ADJ
fsr-3163	71	27	at	at	ADP
fsr-3163	71	28	the	the	DET
fsr-3163	71	29	community	community	NOUN
fsr-3163	71	30	,	,	PUNCT
fsr-3163	71	31	the	the	DET
fsr-3163	71	32	household	household	NOUN
fsr-3163	71	33	,	,	PUNCT
fsr-3163	71	34	and	and	CCONJ
fsr-3163	71	35	the	the	DET
fsr-3163	71	36	individual	individual	ADJ
fsr-3163	71	37	levels	level	NOUN
fsr-3163	71	38	.	.	PUNCT
fsr-3163	72	1	because	because	SCONJ
fsr-3163	72	2	of	of	ADP
fsr-3163	72	3	residential	residential	ADJ
fsr-3163	72	4	segregation	segregation	NOUN
fsr-3163	72	5	,	,	PUNCT
fsr-3163	72	6	black	black	ADJ
fsr-3163	72	7	and	and	CCONJ
fsr-3163	72	8	white	white	ADJ
fsr-3163	72	9	neighborhoods	neighborhood	NOUN
fsr-3163	72	10	dramatically	dramatically	ADV
fsr-3163	72	11	differ	differ	VERB
fsr-3163	72	12	in	in	ADP
fsr-3163	72	13	the	the	DET
fsr-3163	72	14	availability	availability	NOUN
fsr-3163	72	15	of	of	ADP
fsr-3163	72	16	jobs	job	NOUN
fsr-3163	72	17	,	,	PUNCT
fsr-3163	72	18	family	family	NOUN
fsr-3163	72	19	structure	structure	NOUN
fsr-3163	72	20	,	,	PUNCT
fsr-3163	72	21	opportunities	opportunity	NOUN
fsr-3163	72	22	for	for	ADP
fsr-3163	72	23	marriage	marriage	NOUN
fsr-3163	72	24	,	,	PUNCT
fsr-3163	72	25	educational	educational	ADJ
fsr-3163	72	26	quality	quality	NOUN
fsr-3163	72	27	,	,	PUNCT
fsr-3163	72	28	and	and	CCONJ
fsr-3163	72	29	exposure	exposure	NOUN
fsr-3163	72	30	to	to	ADP
fsr-3163	72	31	conventional	conventional	ADJ
fsr-3163	72	32	role	role	NOUN
fsr-3163	72	33	models	model	NOUN
fsr-3163	72	34	.	.	PUNCT
fsr-3163	73	1	they	they	PRON
fsr-3163	73	2	also	also	ADV
fsr-3163	73	3	differ	differ	VERB
fsr-3163	73	4	in	in	ADP
fsr-3163	73	5	their	their	PRON
fsr-3163	73	6	quality	quality	NOUN
fsr-3163	73	7	of	of	ADP
fsr-3163	73	8	life	life	NOUN
fsr-3163	73	9	and	and	CCONJ
fsr-3163	73	10	access	access	NOUN
fsr-3163	73	11	to	to	ADP
fsr-3163	73	12	resources	resource	NOUN
fsr-3163	73	13	and	and	CCONJ
fsr-3163	73	14	amenities	amenity	NOUN
fsr-3163	73	15	that	that	PRON
fsr-3163	73	16	sustain	sustain	VERB
fsr-3163	73	17	health	health	NOUN
fsr-3163	73	18	(	(	PUNCT
fsr-3163	73	19	williams	williams	PROPN
fsr-3163	73	20	,	,	PUNCT
fsr-3163	73	21	1999	1999	NUM
fsr-3163	73	22	)	)	PUNCT
fsr-3163	73	23	.	.	PUNCT
fsr-3163	74	1	these	these	DET
fsr-3163	74	2	two	two	NUM
fsr-3163	74	3	external	external	ADJ
fsr-3163	74	4	forces	force	NOUN
fsr-3163	74	5	alone	alone	ADV
fsr-3163	74	6	have	have	AUX
fsr-3163	74	7	had	have	VERB
fsr-3163	74	8	a	a	DET
fsr-3163	74	9	tremendous	tremendous	ADJ
fsr-3163	74	10	impact	impact	NOUN
fsr-3163	74	11	on	on	ADP
fsr-3163	74	12	african	african	ADJ
fsr-3163	74	13	americans	americans	PROPN
fsr-3163	74	14	’	'	PUNCT
fsr-3163	74	15	financial	financial	ADJ
fsr-3163	74	16	wellbeing	wellbeing	NOUN
fsr-3163	74	17	.	.	PUNCT
fsr-3163	75	1	unfortunately	unfortunately	ADV
fsr-3163	75	2	,	,	PUNCT
fsr-3163	75	3	they	they	PRON
fsr-3163	75	4	have	have	AUX
fsr-3163	75	5	compounded	compound	VERB
fsr-3163	75	6	the	the	DET
fsr-3163	75	7	issue	issue	NOUN
fsr-3163	75	8	,	,	PUNCT
fsr-3163	75	9	leaving	leave	VERB
fsr-3163	75	10	room	room	NOUN
fsr-3163	75	11	for	for	SCONJ
fsr-3163	75	12	many	many	ADJ
fsr-3163	75	13	external	external	ADJ
fsr-3163	75	14	forces	force	NOUN
fsr-3163	75	15	to	to	PART
fsr-3163	75	16	thrive	thrive	VERB
fsr-3163	75	17	.	.	PUNCT
fsr-3163	76	1	3.2	3.2	NUM
fsr-3163	76	2	.	.	PUNCT
fsr-3163	77	1	savings	saving	NOUN
fsr-3163	77	2	and	and	CCONJ
fsr-3163	77	3	investing	invest	VERB
fsr-3163	77	4	in	in	ADP
fsr-3163	77	5	the	the	DET
fsr-3163	77	6	stock	stock	NOUN
fsr-3163	77	7	market	market	NOUN
fsr-3163	77	8	african	african	PROPN
fsr-3163	77	9	americans	americans	PROPN
fsr-3163	77	10	do	do	AUX
fsr-3163	77	11	not	not	PART
fsr-3163	77	12	invest	invest	VERB
fsr-3163	77	13	in	in	ADP
fsr-3163	77	14	the	the	DET
fsr-3163	77	15	stock	stock	NOUN
fsr-3163	77	16	market	market	NOUN
fsr-3163	77	17	as	as	ADV
fsr-3163	77	18	much	much	ADV
fsr-3163	77	19	as	as	ADP
fsr-3163	77	20	white	white	ADJ
fsr-3163	77	21	americans	americans	PROPN
fsr-3163	77	22	.	.	PUNCT
fsr-3163	78	1	furthermore	furthermore	ADV
fsr-3163	78	2	,	,	PUNCT
fsr-3163	78	3	this	this	PRON
fsr-3163	78	4	could	could	AUX
fsr-3163	78	5	contribute	contribute	VERB
fsr-3163	78	6	to	to	ADP
fsr-3163	78	7	african	african	PROPN
fsr-3163	78	8	americans	americans	PROPN
fsr-3163	78	9	’	’	PART
fsr-3163	78	10	lack	lack	NOUN
fsr-3163	78	11	of	of	ADP
fsr-3163	78	12	accumulated	accumulate	VERB
fsr-3163	78	13	wealth	wealth	NOUN
fsr-3163	78	14	and	and	CCONJ
fsr-3163	78	15	the	the	DET
fsr-3163	78	16	fact	fact	NOUN
fsr-3163	78	17	that	that	SCONJ
fsr-3163	78	18	they	they	PRON
fsr-3163	78	19	do	do	AUX
fsr-3163	78	20	not	not	PART
fsr-3163	78	21	experience	experience	VERB
fsr-3163	78	22	as	as	ADV
fsr-3163	78	23	much	much	ADJ
fsr-3163	78	24	financial	financial	ADJ
fsr-3163	78	25	well	well	NOUN
fsr-3163	78	26	-	-	PUNCT
fsr-3163	78	27	being	being	NOUN
fsr-3163	78	28	as	as	ADP
fsr-3163	78	29	white	white	ADJ
fsr-3163	78	30	americans	americans	PROPN
fsr-3163	78	31	(	(	PUNCT
fsr-3163	78	32	herring	herring	NOUN
fsr-3163	78	33	&	&	CCONJ
fsr-3163	78	34	henderson	henderson	PROPN
fsr-3163	78	35	,	,	PUNCT
fsr-3163	78	36	2016	2016	NUM
fsr-3163	78	37	;	;	PUNCT
fsr-3163	78	38	kochhar	kochhar	X
fsr-3163	78	39	,	,	PUNCT
fsr-3163	78	40	2014	2014	NUM
fsr-3163	78	41	)	)	PUNCT
fsr-3163	78	42	.	.	PUNCT
fsr-3163	79	1	moreover	moreover	ADV
fsr-3163	79	2	,	,	PUNCT
fsr-3163	79	3	african	african	ADJ
fsr-3163	79	4	americans	americans	PROPN
fsr-3163	79	5	do	do	AUX
fsr-3163	79	6	not	not	PART
fsr-3163	79	7	save	save	VERB
fsr-3163	79	8	or	or	CCONJ
fsr-3163	79	9	replenish	replenish	VERB
fsr-3163	79	10	their	their	PRON
fsr-3163	79	11	savings	saving	NOUN
fsr-3163	79	12	as	as	ADV
fsr-3163	79	13	much	much	ADV
fsr-3163	79	14	as	as	ADP
fsr-3163	79	15	white	white	ADJ
fsr-3163	79	16	americans	americans	PROPN
fsr-3163	79	17	,	,	PUNCT
fsr-3163	79	18	which	which	PRON
fsr-3163	79	19	could	could	AUX
fsr-3163	79	20	again	again	ADV
fsr-3163	79	21	be	be	AUX
fsr-3163	79	22	a	a	DET
fsr-3163	79	23	factor	factor	NOUN
fsr-3163	79	24	contributing	contribute	VERB
fsr-3163	79	25	to	to	ADP
fsr-3163	79	26	african	african	PROPN
fsr-3163	79	27	americans	americans	PROPN
fsr-3163	79	28	’	’	PART
fsr-3163	79	29	limited	limited	ADJ
fsr-3163	79	30	wealth	wealth	NOUN
fsr-3163	79	31	and	and	CCONJ
fsr-3163	79	32	financial	financial	ADJ
fsr-3163	79	33	well	well	NOUN
fsr-3163	79	34	-	-	PUNCT
fsr-3163	79	35	being	be	AUX
fsr-3163	79	36	(	(	PUNCT
fsr-3163	79	37	kochhar	kochhar	PROPN
fsr-3163	79	38	,	,	PUNCT
fsr-3163	79	39	2014	2014	NUM
fsr-3163	79	40	)	)	PUNCT
fsr-3163	79	41	.	.	PUNCT
fsr-3163	80	1	herring	herring	NOUN
fsr-3163	80	2	and	and	CCONJ
fsr-3163	80	3	henderson	henderson	PROPN
fsr-3163	80	4	(	(	PUNCT
fsr-3163	80	5	2016	2016	NUM
fsr-3163	80	6	)	)	PUNCT
fsr-3163	80	7	explored	explore	VERB
fsr-3163	80	8	possible	possible	ADJ
fsr-3163	80	9	reasons	reason	NOUN
fsr-3163	80	10	for	for	ADP
fsr-3163	80	11	the	the	DET
fsr-3163	80	12	black	black	ADJ
fsr-3163	80	13	-	-	PUNCT
fsr-3163	80	14	white	white	ADJ
fsr-3163	80	15	wealth	wealth	NOUN
fsr-3163	80	16	gap	gap	NOUN
fsr-3163	80	17	and	and	CCONJ
fsr-3163	80	18	conducted	conduct	VERB
fsr-3163	80	19	ordinary	ordinary	ADJ
fsr-3163	80	20	least	least	ADJ
fsr-3163	80	21	squares	square	NOUN
fsr-3163	80	22	analysis	analysis	NOUN
fsr-3163	80	23	and	and	CCONJ
fsr-3163	80	24	quantile	quantile	ADJ
fsr-3163	80	25	regression	regression	NOUN
fsr-3163	80	26	analysis	analysis	NOUN
fsr-3163	80	27	of	of	ADP
fsr-3163	80	28	the	the	DET
fsr-3163	80	29	survey	survey	NOUN
fsr-3163	80	30	of	of	ADP
fsr-3163	80	31	consumer	consumer	NOUN
fsr-3163	80	32	finances	finance	NOUN
fsr-3163	80	33	data	datum	NOUN
fsr-3163	80	34	.	.	PUNCT
fsr-3163	81	1	they	they	PRON
fsr-3163	81	2	found	find	VERB
fsr-3163	81	3	that	that	SCONJ
fsr-3163	81	4	african	african	ADJ
fsr-3163	81	5	americans	americans	PROPN
fsr-3163	81	6	had	have	VERB
fsr-3163	81	7	significant	significant	ADJ
fsr-3163	81	8	income	income	NOUN
fsr-3163	81	9	,	,	PUNCT
fsr-3163	81	10	stock	stock	NOUN
fsr-3163	81	11	ownership	ownership	NOUN
fsr-3163	81	12	,	,	PUNCT
fsr-3163	81	13	and	and	CCONJ
fsr-3163	81	14	business	business	NOUN
fsr-3163	81	15	ownership	ownership	NOUN
fsr-3163	81	16	disadvantages	disadvantage	VERB
fsr-3163	81	17	.	.	PUNCT
fsr-3163	82	1	the	the	DET
fsr-3163	82	2	researchers	researcher	NOUN
fsr-3163	82	3	also	also	ADV
fsr-3163	82	4	found	find	VERB
fsr-3163	82	5	that	that	SCONJ
fsr-3163	82	6	african	african	ADJ
fsr-3163	82	7	americans	americans	PROPN
fsr-3163	82	8	received	receive	VERB
fsr-3163	82	9	lower	low	ADJ
fsr-3163	82	10	returns	return	NOUN
fsr-3163	82	11	on	on	ADP
fsr-3163	82	12	education	education	NOUN
fsr-3163	82	13	,	,	PUNCT
fsr-3163	82	14	stock	stock	NOUN
fsr-3163	82	15	ownership	ownership	NOUN
fsr-3163	82	16	,	,	PUNCT
fsr-3163	82	17	and	and	CCONJ
fsr-3163	82	18	business	business	NOUN
fsr-3163	82	19	ownership	ownership	NOUN
fsr-3163	82	20	than	than	ADP
fsr-3163	82	21	white	white	ADJ
fsr-3163	82	22	americans	americans	PROPN
fsr-3163	82	23	(	(	PUNCT
fsr-3163	82	24	herring	herring	NOUN
fsr-3163	82	25	&	&	CCONJ
fsr-3163	82	26	henderson	henderson	PROPN
fsr-3163	82	27	,	,	PUNCT
fsr-3163	82	28	2016	2016	NUM
fsr-3163	82	29	)	)	PUNCT
fsr-3163	82	30	.	.	PUNCT
fsr-3163	83	1	similarly	similarly	ADV
fsr-3163	83	2	,	,	PUNCT
fsr-3163	83	3	gutter	gutter	NOUN
fsr-3163	83	4	and	and	CCONJ
fsr-3163	83	5	copur	copur	NOUN
fsr-3163	83	6	(	(	PUNCT
fsr-3163	83	7	2011	2011	NUM
fsr-3163	83	8	)	)	PUNCT
fsr-3163	83	9	examined	examine	VERB
fsr-3163	83	10	the	the	DET
fsr-3163	83	11	relationship	relationship	NOUN
fsr-3163	83	12	between	between	ADP
fsr-3163	83	13	financial	financial	ADJ
fsr-3163	83	14	behaviors	behavior	NOUN
fsr-3163	83	15	and	and	CCONJ
fsr-3163	83	16	financial	financial	ADJ
fsr-3163	83	17	wellbeing	wellbeing	NOUN
fsr-3163	83	18	.	.	PUNCT
fsr-3163	84	1	the	the	DET
fsr-3163	84	2	researchers	researcher	NOUN
fsr-3163	84	3	used	use	VERB
fsr-3163	84	4	data	datum	NOUN
fsr-3163	84	5	obtained	obtain	VERB
fsr-3163	84	6	from	from	ADP
fsr-3163	84	7	15,797	15,797	NUM
fsr-3163	84	8	college	college	NOUN
fsr-3163	84	9	students	student	NOUN
fsr-3163	84	10	for	for	ADP
fsr-3163	84	11	this	this	DET
fsr-3163	84	12	study	study	NOUN
fsr-3163	84	13	and	and	CCONJ
fsr-3163	84	14	found	find	VERB
fsr-3163	84	15	that	that	SCONJ
fsr-3163	84	16	budgeting	budgeting	NOUN
fsr-3163	84	17	,	,	PUNCT
fsr-3163	84	18	saving	saving	NOUN
fsr-3163	84	19	,	,	PUNCT
fsr-3163	84	20	risky	risky	ADJ
fsr-3163	84	21	credit	credit	NOUN
fsr-3163	84	22	card	card	NOUN
fsr-3163	84	23	behavior	behavior	NOUN
fsr-3163	84	24	,	,	PUNCT
fsr-3163	84	25	and	and	CCONJ
fsr-3163	84	26	compulsive	compulsive	ADJ
fsr-3163	84	27	buying	buying	NOUN
fsr-3163	84	28	behavior	behavior	NOUN
fsr-3163	84	29	were	be	AUX
fsr-3163	84	30	significantly	significantly	ADV
fsr-3163	84	31	related	relate	VERB
fsr-3163	84	32	to	to	ADP
fsr-3163	84	33	financial	financial	ADJ
fsr-3163	84	34	well	well	ADV
fsr-3163	84	35	-	-	PUNCT
fsr-3163	84	36	being	be	AUX
fsr-3163	84	37	(	(	PUNCT
fsr-3163	84	38	gutter	gutter	NOUN
fsr-3163	84	39	&	&	CCONJ
fsr-3163	84	40	copur	copur	NOUN
fsr-3163	84	41	,	,	PUNCT
fsr-3163	84	42	2011	2011	NUM
fsr-3163	84	43	)	)	PUNCT
fsr-3163	84	44	.	.	PUNCT
fsr-3163	85	1	stromback	stromback	VERB
fsr-3163	85	2	et	et	PROPN
fsr-3163	85	3	al	al	PROPN
fsr-3163	85	4	.	.	PROPN
fsr-3163	86	1	(	(	PUNCT
fsr-3163	86	2	2017	2017	NUM
fsr-3163	86	3	)	)	PUNCT
fsr-3163	86	4	investigated	investigate	VERB
fsr-3163	86	5	what	what	PRON
fsr-3163	86	6	psychological	psychological	ADJ
fsr-3163	86	7	characteristics	characteristic	NOUN
fsr-3163	86	8	influenced	influence	VERB
fsr-3163	86	9	individuals	individual	NOUN
fsr-3163	86	10	’	'	PUNCT
fsr-3163	86	11	positive	positive	ADJ
fsr-3163	86	12	financial	financial	ADJ
fsr-3163	86	13	behavior	behavior	NOUN
fsr-3163	86	14	and	and	CCONJ
fsr-3163	86	15	financial	financial	ADJ
fsr-3163	86	16	well	well	NOUN
fsr-3163	86	17	-	-	PUNCT
fsr-3163	86	18	being	being	NOUN
fsr-3163	86	19	.	.	PUNCT
fsr-3163	87	1	the	the	DET
fsr-3163	87	2	authors	author	NOUN
fsr-3163	87	3	surveyed	survey	VERB
fsr-3163	87	4	2,063	2,063	NUM
fsr-3163	87	5	participants	participant	NOUN
fsr-3163	87	6	from	from	ADP
fsr-3163	87	7	the	the	DET
fsr-3163	87	8	swedish	swedish	ADJ
fsr-3163	87	9	population	population	NOUN
fsr-3163	87	10	.	.	PUNCT
fsr-3163	88	1	they	they	PRON
fsr-3163	88	2	found	find	VERB
fsr-3163	88	3	that	that	SCONJ
fsr-3163	88	4	individuals	individual	NOUN
fsr-3163	88	5	with	with	ADP
fsr-3163	88	6	good	good	ADJ
fsr-3163	88	7	self	self	NOUN
fsr-3163	88	8	-	-	PUNCT
fsr-3163	88	9	control	control	NOUN
fsr-3163	88	10	were	be	AUX
fsr-3163	88	11	more	more	ADV
fsr-3163	88	12	likely	likely	ADJ
fsr-3163	88	13	to	to	PART
fsr-3163	88	14	save	save	VERB
fsr-3163	88	15	money	money	NOUN
fsr-3163	88	16	from	from	ADP
fsr-3163	88	17	every	every	DET
fsr-3163	88	18	paycheck	paycheck	NOUN
fsr-3163	88	19	,	,	PUNCT
fsr-3163	88	20	had	have	VERB
fsr-3163	88	21	better	well	ADJ
fsr-3163	88	22	general	general	ADJ
fsr-3163	88	23	financial	financial	ADJ
fsr-3163	88	24	behaviors	behavior	NOUN
fsr-3163	88	25	,	,	PUNCT
fsr-3163	88	26	324	324	NUM
fsr-3163	88	27	c.	c.	PROPN
fsr-3163	88	28	w.	w.	PROPN
fsr-3163	88	29	copeland	copeland	PROPN
fsr-3163	88	30	et	et	PROPN
fsr-3163	88	31	al	al	PROPN
fsr-3163	88	32	.	.	PUNCT
fsr-3163	88	33	/	/	SYM
fsr-3163	88	34	financial	financial	ADJ
fsr-3163	88	35	services	service	NOUN
fsr-3163	88	36	review	review	VERB
fsr-3163	88	37	30	30	NUM
fsr-3163	88	38	(	(	PUNCT
fsr-3163	88	39	2022	2022	NUM
fsr-3163	88	40	)	)	PUNCT
fsr-3163	89	1	321–336	321–336	NUM
fsr-3163	89	2	felt	feel	VERB
fsr-3163	89	3	less	less	ADV
fsr-3163	89	4	anxious	anxious	ADJ
fsr-3163	89	5	about	about	ADP
fsr-3163	89	6	financial	financial	ADJ
fsr-3163	89	7	matters	matter	NOUN
fsr-3163	89	8	,	,	PUNCT
fsr-3163	89	9	and	and	CCONJ
fsr-3163	89	10	felt	feel	VERB
fsr-3163	89	11	more	more	ADV
fsr-3163	89	12	secure	secure	ADJ
fsr-3163	89	13	in	in	ADP
fsr-3163	89	14	their	their	PRON
fsr-3163	89	15	current	current	ADJ
fsr-3163	89	16	and	and	CCONJ
fsr-3163	89	17	future	future	ADJ
fsr-3163	89	18	financial	financial	ADJ
fsr-3163	89	19	situations	situation	NOUN
fsr-3163	89	20	(	(	PUNCT
fsr-3163	89	21	stromback	stromback	VERB
fsr-3163	89	22	et	et	PROPN
fsr-3163	89	23	al	al	PROPN
fsr-3163	89	24	.	.	PROPN
fsr-3163	89	25	,	,	PUNCT
fsr-3163	89	26	2017	2017	NUM
fsr-3163	89	27	)	)	PUNCT
fsr-3163	89	28	.	.	PUNCT
fsr-3163	90	1	sivaramakrishnan	sivaramakrishnan	PROPN
fsr-3163	90	2	and	and	CCONJ
fsr-3163	90	3	srivastava	srivastava	PROPN
fsr-3163	90	4	(	(	PUNCT
fsr-3163	90	5	2019	2019	NUM
fsr-3163	90	6	)	)	PUNCT
fsr-3163	90	7	wanted	want	VERB
fsr-3163	90	8	to	to	PART
fsr-3163	90	9	understand	understand	VERB
fsr-3163	90	10	the	the	DET
fsr-3163	90	11	influence	influence	NOUN
fsr-3163	90	12	of	of	ADP
fsr-3163	90	13	risk	risk	NOUN
fsr-3163	90	14	avoidance	avoidance	NOUN
fsr-3163	90	15	and	and	CCONJ
fsr-3163	90	16	financial	financial	ADJ
fsr-3163	90	17	well	well	NOUN
fsr-3163	90	18	-	-	PUNCT
fsr-3163	90	19	being	being	NOUN
fsr-3163	90	20	on	on	ADP
fsr-3163	90	21	investing	invest	VERB
fsr-3163	90	22	in	in	ADP
fsr-3163	90	23	equity	equity	NOUN
fsr-3163	90	24	products	product	NOUN
fsr-3163	90	25	.	.	PUNCT
fsr-3163	91	1	sivaramakrishnan	sivaramakrishnan	PROPN
fsr-3163	91	2	and	and	CCONJ
fsr-3163	91	3	srivastava	srivastava	PROPN
fsr-3163	91	4	’s	’s	PART
fsr-3163	91	5	(	(	PUNCT
fsr-3163	91	6	2019	2019	NUM
fsr-3163	91	7	)	)	PUNCT
fsr-3163	91	8	research	research	NOUN
fsr-3163	91	9	team	team	NOUN
fsr-3163	91	10	chose	choose	VERB
fsr-3163	91	11	urban	urban	ADJ
fsr-3163	91	12	,	,	PUNCT
fsr-3163	91	13	retail	retail	ADJ
fsr-3163	91	14	,	,	PUNCT
fsr-3163	91	15	and	and	CCONJ
fsr-3163	91	16	middle	middle	ADJ
fsr-3163	91	17	-	-	PUNCT
fsr-3163	91	18	class	class	NOUN
fsr-3163	91	19	investors	investor	NOUN
fsr-3163	91	20	from	from	ADP
fsr-3163	91	21	four	four	NUM
fsr-3163	91	22	cities	city	NOUN
fsr-3163	91	23	in	in	ADP
fsr-3163	91	24	india	india	PROPN
fsr-3163	91	25	.	.	PUNCT
fsr-3163	92	1	they	they	PRON
fsr-3163	92	2	found	find	VERB
fsr-3163	92	3	that	that	SCONJ
fsr-3163	92	4	financial	financial	ADJ
fsr-3163	92	5	well	well	NOUN
fsr-3163	92	6	-	-	PUNCT
fsr-3163	92	7	being	being	NOUN
fsr-3163	92	8	or	or	CCONJ
fsr-3163	92	9	the	the	DET
fsr-3163	92	10	feeling	feeling	NOUN
fsr-3163	92	11	of	of	ADP
fsr-3163	92	12	financial	financial	ADJ
fsr-3163	92	13	security	security	NOUN
fsr-3163	92	14	did	do	AUX
fsr-3163	92	15	not	not	PART
fsr-3163	92	16	embolden	embolden	VERB
fsr-3163	92	17	individuals	individual	NOUN
fsr-3163	92	18	to	to	PART
fsr-3163	92	19	invest	invest	VERB
fsr-3163	92	20	in	in	ADP
fsr-3163	92	21	the	the	DET
fsr-3163	92	22	stock	stock	NOUN
fsr-3163	92	23	market	market	NOUN
fsr-3163	92	24	.	.	PUNCT
fsr-3163	93	1	instead	instead	ADV
fsr-3163	93	2	,	,	PUNCT
fsr-3163	93	3	it	it	PRON
fsr-3163	93	4	proved	prove	VERB
fsr-3163	93	5	to	to	PART
fsr-3163	93	6	deter	deter	VERB
fsr-3163	93	7	individuals	individual	NOUN
fsr-3163	93	8	from	from	ADP
fsr-3163	93	9	participating	participate	VERB
fsr-3163	93	10	in	in	ADP
fsr-3163	93	11	the	the	DET
fsr-3163	93	12	stock	stock	NOUN
fsr-3163	93	13	market	market	NOUN
fsr-3163	93	14	(	(	PUNCT
fsr-3163	93	15	sivaramakrishnan	sivaramakrishnan	PROPN
fsr-3163	93	16	&	&	CCONJ
fsr-3163	93	17	srivastava	srivastava	PROPN
fsr-3163	93	18	,	,	PUNCT
fsr-3163	93	19	2019	2019	NUM
fsr-3163	93	20	)	)	PUNCT
fsr-3163	93	21	.	.	PUNCT
fsr-3163	94	1	moreover	moreover	ADV
fsr-3163	94	2	,	,	PUNCT
fsr-3163	94	3	sabri	sabri	PROPN
fsr-3163	94	4	et	et	PROPN
fsr-3163	94	5	al	al	PROPN
fsr-3163	94	6	.	.	PROPN
fsr-3163	94	7	(	(	PUNCT
fsr-3163	94	8	2020	2020	NUM
fsr-3163	94	9	)	)	PUNCT
fsr-3163	94	10	investigated	investigate	VERB
fsr-3163	94	11	the	the	DET
fsr-3163	94	12	relations	relation	NOUN
fsr-3163	94	13	among	among	ADP
fsr-3163	94	14	financial	financial	ADJ
fsr-3163	94	15	management	management	NOUN
fsr-3163	94	16	,	,	PUNCT
fsr-3163	94	17	savings	saving	NOUN
fsr-3163	94	18	,	,	PUNCT
fsr-3163	94	19	investment	investment	NOUN
fsr-3163	94	20	behavior	behavior	NOUN
fsr-3163	94	21	,	,	PUNCT
fsr-3163	94	22	and	and	CCONJ
fsr-3163	94	23	financial	financial	ADJ
fsr-3163	94	24	well	well	NOUN
fsr-3163	94	25	-	-	PUNCT
fsr-3163	94	26	being	being	NOUN
fsr-3163	94	27	.	.	PUNCT
fsr-3163	95	1	they	they	PRON
fsr-3163	95	2	surveyed	survey	VERB
fsr-3163	95	3	722	722	NUM
fsr-3163	95	4	working	work	VERB
fsr-3163	95	5	women	woman	NOUN
fsr-3163	95	6	in	in	ADP
fsr-3163	95	7	the	the	DET
fsr-3163	95	8	malaysian	malaysian	ADJ
fsr-3163	95	9	public	public	ADJ
fsr-3163	95	10	sector	sector	NOUN
fsr-3163	95	11	and	and	CCONJ
fsr-3163	95	12	used	use	VERB
fsr-3163	95	13	a	a	DET
fsr-3163	95	14	multistage	multistage	NOUN
fsr-3163	95	15	random	random	ADJ
fsr-3163	95	16	sampling	sampling	NOUN
fsr-3163	95	17	method	method	NOUN
fsr-3163	95	18	.	.	PUNCT
fsr-3163	96	1	according	accord	VERB
fsr-3163	96	2	to	to	ADP
fsr-3163	96	3	their	their	PRON
fsr-3163	96	4	study	study	NOUN
fsr-3163	96	5	,	,	PUNCT
fsr-3163	96	6	39.2	39.2	NUM
fsr-3163	96	7	%	%	NOUN
fsr-3163	96	8	of	of	ADP
fsr-3163	96	9	the	the	DET
fsr-3163	96	10	women	woman	NOUN
fsr-3163	96	11	indicated	indicate	VERB
fsr-3163	96	12	that	that	SCONJ
fsr-3163	96	13	their	their	PRON
fsr-3163	96	14	assets	asset	NOUN
fsr-3163	96	15	were	be	AUX
fsr-3163	96	16	more	more	ADJ
fsr-3163	96	17	than	than	ADP
fsr-3163	96	18	their	their	PRON
fsr-3163	96	19	debts	debt	NOUN
fsr-3163	96	20	,	,	PUNCT
fsr-3163	96	21	and	and	CCONJ
fsr-3163	96	22	44.3	44.3	NUM
fsr-3163	96	23	%	%	NOUN
fsr-3163	96	24	said	say	VERB
fsr-3163	96	25	their	their	PRON
fsr-3163	96	26	salary	salary	NOUN
fsr-3163	96	27	was	be	AUX
fsr-3163	96	28	sufficient	sufficient	ADJ
fsr-3163	96	29	to	to	PART
fsr-3163	96	30	meet	meet	VERB
fsr-3163	96	31	their	their	PRON
fsr-3163	96	32	basic	basic	ADJ
fsr-3163	96	33	requirements	requirement	NOUN
fsr-3163	96	34	(	(	PUNCT
fsr-3163	96	35	sabri	sabri	NOUN
fsr-3163	96	36	et	et	PROPN
fsr-3163	96	37	al	al	PROPN
fsr-3163	96	38	.	.	PROPN
fsr-3163	96	39	,	,	PUNCT
fsr-3163	96	40	2020	2020	NUM
fsr-3163	96	41	)	)	PUNCT
fsr-3163	96	42	.	.	PUNCT
fsr-3163	97	1	moreover	moreover	ADV
fsr-3163	97	2	,	,	PUNCT
fsr-3163	97	3	more	more	ADJ
fsr-3163	97	4	than	than	ADP
fsr-3163	97	5	80	80	NUM
fsr-3163	97	6	%	%	NOUN
fsr-3163	97	7	practiced	practice	VERB
fsr-3163	97	8	good	good	ADJ
fsr-3163	97	9	financial	financial	ADJ
fsr-3163	97	10	management	management	NOUN
fsr-3163	97	11	behaviors	behavior	NOUN
fsr-3163	97	12	.	.	PUNCT
fsr-3163	98	1	the	the	DET
fsr-3163	98	2	researchers	researcher	NOUN
fsr-3163	98	3	found	find	VERB
fsr-3163	98	4	that	that	SCONJ
fsr-3163	98	5	the	the	DET
fsr-3163	98	6	malaysian	malaysian	ADJ
fsr-3163	98	7	working	work	VERB
fsr-3163	98	8	women	woman	NOUN
fsr-3163	98	9	had	have	VERB
fsr-3163	98	10	good	good	ADJ
fsr-3163	98	11	financial	financial	ADJ
fsr-3163	98	12	management	management	NOUN
fsr-3163	98	13	practices	practice	NOUN
fsr-3163	98	14	,	,	PUNCT
fsr-3163	98	15	which	which	PRON
fsr-3163	98	16	were	be	AUX
fsr-3163	98	17	indicated	indicate	VERB
fsr-3163	98	18	by	by	ADP
fsr-3163	98	19	their	their	PRON
fsr-3163	98	20	ability	ability	NOUN
fsr-3163	98	21	to	to	PART
fsr-3163	98	22	engage	engage	VERB
fsr-3163	98	23	in	in	ADP
fsr-3163	98	24	savings	saving	NOUN
fsr-3163	98	25	and	and	CCONJ
fsr-3163	98	26	investment	investment	NOUN
fsr-3163	98	27	behavior	behavior	NOUN
fsr-3163	98	28	to	to	PART
fsr-3163	98	29	manage	manage	VERB
fsr-3163	98	30	their	their	PRON
fsr-3163	98	31	surplus	surplus	ADJ
fsr-3163	98	32	money	money	NOUN
fsr-3163	98	33	wisely	wisely	ADV
fsr-3163	98	34	to	to	PART
fsr-3163	98	35	achieve	achieve	VERB
fsr-3163	98	36	a	a	DET
fsr-3163	98	37	higher	high	ADJ
fsr-3163	98	38	level	level	NOUN
fsr-3163	98	39	of	of	ADP
fsr-3163	98	40	financial	financial	ADJ
fsr-3163	98	41	wellbeing	wellbee	VERB
fsr-3163	98	42	(	(	PUNCT
fsr-3163	98	43	sabri	sabri	NOUN
fsr-3163	98	44	et	et	PROPN
fsr-3163	98	45	al	al	PROPN
fsr-3163	98	46	.	.	PROPN
fsr-3163	98	47	,	,	PUNCT
fsr-3163	98	48	2020	2020	NUM
fsr-3163	98	49	)	)	PUNCT
fsr-3163	98	50	.	.	PUNCT
fsr-3163	99	1	3.3	3.3	NUM
fsr-3163	99	2	.	.	PUNCT
fsr-3163	100	1	financial	financial	ADJ
fsr-3163	100	2	literacy	literacy	NOUN
fsr-3163	100	3	and	and	CCONJ
fsr-3163	100	4	education	education	NOUN
fsr-3163	100	5	evidence	evidence	NOUN
fsr-3163	100	6	also	also	ADV
fsr-3163	100	7	shows	show	VERB
fsr-3163	100	8	a	a	DET
fsr-3163	100	9	strong	strong	ADJ
fsr-3163	100	10	relationship	relationship	NOUN
fsr-3163	100	11	between	between	ADP
fsr-3163	100	12	financial	financial	ADJ
fsr-3163	100	13	knowledge	knowledge	NOUN
fsr-3163	100	14	and	and	CCONJ
fsr-3163	100	15	the	the	DET
fsr-3163	100	16	likelihood	likelihood	NOUN
fsr-3163	100	17	of	of	ADP
fsr-3163	100	18	engaging	engage	VERB
fsr-3163	100	19	in	in	ADP
fsr-3163	100	20	desirable	desirable	ADJ
fsr-3163	100	21	financial	financial	ADJ
fsr-3163	100	22	practices	practice	NOUN
fsr-3163	100	23	:	:	PUNCT
fsr-3163	100	24	paying	pay	VERB
fsr-3163	100	25	bills	bill	NOUN
fsr-3163	100	26	on	on	ADP
fsr-3163	100	27	time	time	NOUN
fsr-3163	100	28	,	,	PUNCT
fsr-3163	100	29	tracking	tracking	NOUN
fsr-3163	100	30	expenses	expense	NOUN
fsr-3163	100	31	,	,	PUNCT
fsr-3163	100	32	budgeting	budgeting	NOUN
fsr-3163	100	33	,	,	PUNCT
fsr-3163	100	34	paying	pay	VERB
fsr-3163	100	35	credit	credit	NOUN
fsr-3163	100	36	card	card	NOUN
fsr-3163	100	37	bills	bill	NOUN
fsr-3163	100	38	in	in	ADP
fsr-3163	100	39	full	full	ADJ
fsr-3163	100	40	each	each	DET
fsr-3163	100	41	month	month	NOUN
fsr-3163	100	42	,	,	PUNCT
fsr-3163	100	43	saving	save	VERB
fsr-3163	100	44	out	out	ADP
fsr-3163	100	45	of	of	ADP
fsr-3163	100	46	each	each	DET
fsr-3163	100	47	paycheck	paycheck	NOUN
fsr-3163	100	48	,	,	PUNCT
fsr-3163	100	49	maintaining	maintain	VERB
fsr-3163	100	50	an	an	DET
fsr-3163	100	51	emergency	emergency	NOUN
fsr-3163	100	52	fund	fund	NOUN
fsr-3163	100	53	,	,	PUNCT
fsr-3163	100	54	diversifying	diversify	VERB
fsr-3163	100	55	investments	investment	NOUN
fsr-3163	100	56	,	,	PUNCT
fsr-3163	100	57	and	and	CCONJ
fsr-3163	100	58	setting	set	VERB
fsr-3163	100	59	financial	financial	ADJ
fsr-3163	100	60	goals	goal	NOUN
fsr-3163	100	61	(	(	PUNCT
fsr-3163	100	62	hilgert	hilgert	PROPN
fsr-3163	100	63	et	et	PROPN
fsr-3163	100	64	al	al	PROPN
fsr-3163	100	65	.	.	PROPN
fsr-3163	100	66	,	,	PUNCT
fsr-3163	100	67	2003	2003	NUM
fsr-3163	100	68	)	)	PUNCT
fsr-3163	100	69	.	.	PUNCT
fsr-3163	101	1	low	low	ADJ
fsr-3163	101	2	financial	financial	ADJ
fsr-3163	101	3	literacy	literacy	NOUN
fsr-3163	101	4	(	(	PUNCT
fsr-3163	101	5	an	an	DET
fsr-3163	101	6	outcome	outcome	NOUN
fsr-3163	101	7	of	of	ADP
fsr-3163	101	8	inadequate	inadequate	ADJ
fsr-3163	101	9	financial	financial	ADJ
fsr-3163	101	10	knowledge	knowledge	NOUN
fsr-3163	101	11	)	)	PUNCT
fsr-3163	101	12	is	be	AUX
fsr-3163	101	13	associated	associate	VERB
fsr-3163	101	14	with	with	ADP
fsr-3163	101	15	poor	poor	ADJ
fsr-3163	101	16	financial	financial	ADJ
fsr-3163	101	17	decisions	decision	NOUN
fsr-3163	101	18	in	in	ADP
fsr-3163	101	19	equity	equity	NOUN
fsr-3163	101	20	investment	investment	NOUN
fsr-3163	101	21	,	,	PUNCT
fsr-3163	101	22	debt	debt	NOUN
fsr-3163	101	23	financing	financing	NOUN
fsr-3163	101	24	,	,	PUNCT
fsr-3163	101	25	as	as	ADV
fsr-3163	101	26	well	well	ADV
fsr-3163	101	27	as	as	ADP
fsr-3163	101	28	long	long	ADJ
fsr-3163	101	29	-	-	PUNCT
fsr-3163	101	30	term	term	NOUN
fsr-3163	101	31	retirement	retirement	NOUN
fsr-3163	101	32	planning	planning	NOUN
fsr-3163	101	33	,	,	PUNCT
fsr-3163	101	34	and	and	CCONJ
fsr-3163	101	35	these	these	DET
fsr-3163	101	36	decisions	decision	NOUN
fsr-3163	101	37	can	can	AUX
fsr-3163	101	38	lead	lead	VERB
fsr-3163	101	39	to	to	PART
fsr-3163	101	40	decrease	decrease	VERB
fsr-3163	101	41	in	in	ADP
fsr-3163	101	42	welfare	welfare	NOUN
fsr-3163	101	43	(	(	PUNCT
fsr-3163	101	44	chu	chu	PROPN
fsr-3163	101	45	et	et	NOUN
fsr-3163	101	46	al	al	PROPN
fsr-3163	101	47	.	.	PROPN
fsr-3163	101	48	,	,	PUNCT
fsr-3163	101	49	2017	2017	NUM
fsr-3163	101	50	)	)	PUNCT
fsr-3163	101	51	.	.	PUNCT
fsr-3163	102	1	according	accord	VERB
fsr-3163	102	2	to	to	ADP
fsr-3163	102	3	chu	chu	PROPN
fsr-3163	102	4	et	et	PROPN
fsr-3163	102	5	al	al	PROPN
fsr-3163	102	6	.	.	PROPN
fsr-3163	103	1	(	(	PUNCT
fsr-3163	103	2	2017	2017	NUM
fsr-3163	103	3	)	)	PUNCT
fsr-3163	103	4	,	,	PUNCT
fsr-3163	103	5	households	household	NOUN
fsr-3163	103	6	with	with	ADP
fsr-3163	103	7	lower	low	ADJ
fsr-3163	103	8	levels	level	NOUN
fsr-3163	103	9	of	of	ADP
fsr-3163	103	10	financial	financial	ADJ
fsr-3163	103	11	literacy	literacy	NOUN
fsr-3163	103	12	can	can	AUX
fsr-3163	103	13	also	also	ADV
fsr-3163	103	14	make	make	VERB
fsr-3163	103	15	suboptimal	suboptimal	ADJ
fsr-3163	103	16	decisions	decision	NOUN
fsr-3163	103	17	when	when	SCONJ
fsr-3163	103	18	choosing	choose	VERB
fsr-3163	103	19	loans	loan	NOUN
fsr-3163	103	20	or	or	CCONJ
fsr-3163	103	21	mortgages	mortgage	NOUN
fsr-3163	103	22	,	,	PUNCT
fsr-3163	103	23	as	as	ADV
fsr-3163	103	24	well	well	ADV
fsr-3163	103	25	as	as	ADP
fsr-3163	103	26	suffer	suffer	VERB
fsr-3163	103	27	from	from	ADP
fsr-3163	103	28	problems	problem	NOUN
fsr-3163	103	29	,	,	PUNCT
fsr-3163	103	30	such	such	ADJ
fsr-3163	103	31	as	as	ADP
fsr-3163	103	32	debt	debt	NOUN
fsr-3163	103	33	accumulation	accumulation	NOUN
fsr-3163	103	34	,	,	PUNCT
fsr-3163	103	35	bankruptcy	bankruptcy	NOUN
fsr-3163	103	36	,	,	PUNCT
fsr-3163	103	37	and	and	CCONJ
fsr-3163	103	38	foreclosure	foreclosure	NOUN
fsr-3163	103	39	.	.	PUNCT
fsr-3163	104	1	suboptimal	suboptimal	ADJ
fsr-3163	104	2	decisions	decision	NOUN
fsr-3163	104	3	can	can	AUX
fsr-3163	104	4	clearly	clearly	ADV
fsr-3163	104	5	lead	lead	VERB
fsr-3163	104	6	to	to	ADP
fsr-3163	104	7	not	not	PART
fsr-3163	104	8	only	only	ADV
fsr-3163	104	9	lower	low	ADJ
fsr-3163	104	10	amounts	amount	NOUN
fsr-3163	104	11	of	of	ADP
fsr-3163	104	12	wealth	wealth	NOUN
fsr-3163	104	13	but	but	CCONJ
fsr-3163	104	14	perhaps	perhaps	ADV
fsr-3163	104	15	even	even	ADV
fsr-3163	104	16	its	its	PRON
fsr-3163	104	17	absence	absence	NOUN
fsr-3163	104	18	.	.	PUNCT
fsr-3163	105	1	people	people	NOUN
fsr-3163	105	2	’s	’s	PART
fsr-3163	105	3	attitudes	attitude	NOUN
fsr-3163	105	4	toward	toward	ADP
fsr-3163	105	5	money	money	NOUN
fsr-3163	105	6	rely	rely	VERB
fsr-3163	105	7	on	on	ADP
fsr-3163	105	8	different	different	ADJ
fsr-3163	105	9	variables	variable	NOUN
fsr-3163	105	10	,	,	PUNCT
fsr-3163	105	11	such	such	ADJ
fsr-3163	105	12	as	as	ADP
fsr-3163	105	13	individuals	individual	NOUN
fsr-3163	105	14	’	’	PART
fsr-3163	105	15	adolescence	adolescence	NOUN
fsr-3163	105	16	experiences	experience	NOUN
fsr-3163	105	17	,	,	PUNCT
fsr-3163	105	18	education	education	NOUN
fsr-3163	105	19	,	,	PUNCT
fsr-3163	105	20	and	and	CCONJ
fsr-3163	105	21	economic	economic	ADJ
fsr-3163	105	22	and	and	CCONJ
fsr-3163	105	23	societal	societal	ADJ
fsr-3163	105	24	status	status	NOUN
fsr-3163	105	25	.	.	PUNCT
fsr-3163	106	1	depending	depend	VERB
fsr-3163	106	2	on	on	ADP
fsr-3163	106	3	these	these	DET
fsr-3163	106	4	variables	variable	NOUN
fsr-3163	106	5	,	,	PUNCT
fsr-3163	106	6	the	the	DET
fsr-3163	106	7	attitudes	attitude	NOUN
fsr-3163	106	8	toward	toward	ADP
fsr-3163	106	9	money	money	NOUN
fsr-3163	106	10	differ	differ	VERB
fsr-3163	106	11	from	from	ADP
fsr-3163	106	12	person	person	NOUN
fsr-3163	106	13	to	to	ADP
fsr-3163	106	14	person	person	NOUN
fsr-3163	106	15	(	(	PUNCT
fsr-3163	106	16	qamar	qamar	PROPN
fsr-3163	106	17	et	et	PROPN
fsr-3163	106	18	al	al	PROPN
fsr-3163	106	19	.	.	PROPN
fsr-3163	106	20	,	,	PUNCT
fsr-3163	106	21	2016	2016	NUM
fsr-3163	106	22	)	)	PUNCT
fsr-3163	106	23	.	.	PUNCT
fsr-3163	107	1	studies	study	NOUN
fsr-3163	107	2	on	on	ADP
fsr-3163	107	3	financial	financial	ADJ
fsr-3163	107	4	issues	issue	NOUN
fsr-3163	107	5	reveal	reveal	VERB
fsr-3163	107	6	that	that	SCONJ
fsr-3163	107	7	an	an	DET
fsr-3163	107	8	individual	individual	NOUN
fsr-3163	107	9	’s	’s	PART
fsr-3163	107	10	attitudes	attitude	NOUN
fsr-3163	107	11	toward	toward	ADP
fsr-3163	107	12	money	money	NOUN
fsr-3163	107	13	play	play	VERB
fsr-3163	107	14	a	a	DET
fsr-3163	107	15	significant	significant	ADJ
fsr-3163	107	16	role	role	NOUN
fsr-3163	107	17	in	in	ADP
fsr-3163	107	18	deciding	decide	VERB
fsr-3163	107	19	one	one	NUM
fsr-3163	107	20	’s	’s	PART
fsr-3163	107	21	financial	financial	ADJ
fsr-3163	107	22	management	management	NOUN
fsr-3163	107	23	and	and	CCONJ
fsr-3163	107	24	level	level	NOUN
fsr-3163	107	25	of	of	ADP
fsr-3163	107	26	financial	financial	ADJ
fsr-3163	107	27	well	well	NOUN
fsr-3163	107	28	-	-	PUNCT
fsr-3163	107	29	being	being	NOUN
fsr-3163	107	30	(	(	PUNCT
fsr-3163	107	31	shim	shim	NOUN
fsr-3163	107	32	et	et	PROPN
fsr-3163	107	33	al	al	PROPN
fsr-3163	107	34	.	.	PROPN
fsr-3163	107	35	,	,	PUNCT
fsr-3163	107	36	2010	2010	NUM
fsr-3163	107	37	)	)	PUNCT
fsr-3163	107	38	.	.	PUNCT
fsr-3163	108	1	based	base	VERB
fsr-3163	108	2	on	on	ADP
fsr-3163	108	3	the	the	DET
fsr-3163	108	4	depth	depth	NOUN
fsr-3163	108	5	and	and	CCONJ
fsr-3163	108	6	consistency	consistency	NOUN
fsr-3163	108	7	of	of	ADP
fsr-3163	108	8	research	research	NOUN
fsr-3163	108	9	in	in	ADP
fsr-3163	108	10	this	this	DET
fsr-3163	108	11	area	area	NOUN
fsr-3163	108	12	,	,	PUNCT
fsr-3163	108	13	this	this	PRON
fsr-3163	108	14	leads	lead	VERB
fsr-3163	108	15	to	to	ADP
fsr-3163	108	16	the	the	DET
fsr-3163	108	17	conclusion	conclusion	NOUN
fsr-3163	108	18	that	that	SCONJ
fsr-3163	108	19	responsible	responsible	ADJ
fsr-3163	108	20	financial	financial	ADJ
fsr-3163	108	21	behavior	behavior	NOUN
fsr-3163	108	22	is	be	AUX
fsr-3163	108	23	strongly	strongly	ADV
fsr-3163	108	24	related	relate	VERB
fsr-3163	108	25	to	to	ADP
fsr-3163	108	26	strong	strong	ADJ
fsr-3163	108	27	financial	financial	ADJ
fsr-3163	108	28	knowledge	knowledge	NOUN
fsr-3163	108	29	(	(	PUNCT
fsr-3163	108	30	zakaria	zakaria	PROPN
fsr-3163	108	31	et	et	PROPN
fsr-3163	108	32	al	al	PROPN
fsr-3163	108	33	.	.	PROPN
fsr-3163	108	34	,	,	PUNCT
fsr-3163	108	35	2012	2012	NUM
fsr-3163	108	36	)	)	PUNCT
fsr-3163	108	37	.	.	PUNCT
fsr-3163	109	1	qamar	qamar	PROPN
fsr-3163	109	2	et	et	PROPN
fsr-3163	109	3	al	al	PROPN
fsr-3163	109	4	.	.	PROPN
fsr-3163	110	1	(	(	PUNCT
fsr-3163	110	2	2016	2016	NUM
fsr-3163	110	3	)	)	PUNCT
fsr-3163	110	4	found	find	VERB
fsr-3163	110	5	that	that	SCONJ
fsr-3163	110	6	individual	individual	ADJ
fsr-3163	110	7	financial	financial	ADJ
fsr-3163	110	8	efficacy	efficacy	NOUN
fsr-3163	110	9	had	have	VERB
fsr-3163	110	10	a	a	DET
fsr-3163	110	11	strong	strong	ADJ
fsr-3163	110	12	positive	positive	ADJ
fsr-3163	110	13	association	association	NOUN
fsr-3163	110	14	with	with	ADP
fsr-3163	110	15	financial	financial	ADJ
fsr-3163	110	16	well	well	NOUN
fsr-3163	110	17	-	-	PUNCT
fsr-3163	110	18	being	being	NOUN
fsr-3163	110	19	.	.	PUNCT
fsr-3163	111	1	they	they	PRON
fsr-3163	111	2	tested	test	VERB
fsr-3163	111	3	this	this	DET
fsr-3163	111	4	hypothesis	hypothesis	NOUN
fsr-3163	111	5	:	:	PUNCT
fsr-3163	111	6	“	"	PUNCT
fsr-3163	111	7	there	there	PRON
fsr-3163	111	8	is	be	VERB
fsr-3163	111	9	a	a	DET
fsr-3163	111	10	relationship	relationship	NOUN
fsr-3163	111	11	between	between	ADP
fsr-3163	111	12	c.	c.	PROPN
fsr-3163	111	13	w.	w.	PROPN
fsr-3163	111	14	copeland	copeland	PROPN
fsr-3163	111	15	et	et	PROPN
fsr-3163	111	16	al	al	PROPN
fsr-3163	111	17	.	.	PUNCT
fsr-3163	111	18	/	/	SYM
fsr-3163	111	19	financial	financial	ADJ
fsr-3163	111	20	services	service	NOUN
fsr-3163	111	21	review	review	VERB
fsr-3163	111	22	30	30	NUM
fsr-3163	111	23	(	(	PUNCT
fsr-3163	111	24	2022	2022	NUM
fsr-3163	111	25	)	)	PUNCT
fsr-3163	112	1	321–336	321–336	NUM
fsr-3163	112	2	325	325	NUM
fsr-3163	112	3	financial	financial	ADJ
fsr-3163	112	4	efficacy	efficacy	NOUN
fsr-3163	112	5	and	and	CCONJ
fsr-3163	112	6	financial	financial	ADJ
fsr-3163	112	7	well	well	ADV
fsr-3163	112	8	-	-	PUNCT
fsr-3163	112	9	being	being	NOUN
fsr-3163	112	10	”	"	PUNCT
fsr-3163	112	11	(	(	PUNCT
fsr-3163	112	12	1458	1458	NUM
fsr-3163	112	13	)	)	PUNCT
fsr-3163	112	14	.	.	PUNCT
fsr-3163	113	1	the	the	DET
fsr-3163	113	2	conclusions	conclusion	NOUN
fsr-3163	113	3	from	from	ADP
fsr-3163	113	4	this	this	DET
fsr-3163	113	5	research	research	NOUN
fsr-3163	113	6	were	be	AUX
fsr-3163	113	7	in	in	ADP
fsr-3163	113	8	favor	favor	NOUN
fsr-3163	113	9	of	of	ADP
fsr-3163	113	10	the	the	DET
fsr-3163	113	11	hypothesis	hypothesis	NOUN
fsr-3163	113	12	.	.	PUNCT
fsr-3163	114	1	shim	shim	NOUN
fsr-3163	114	2	et	et	PROPN
fsr-3163	114	3	al	al	PROPN
fsr-3163	114	4	.	.	PROPN
fsr-3163	115	1	(	(	PUNCT
fsr-3163	115	2	2010	2010	NUM
fsr-3163	115	3	)	)	PUNCT
fsr-3163	115	4	found	find	VERB
fsr-3163	115	5	that	that	SCONJ
fsr-3163	115	6	financial	financial	ADJ
fsr-3163	115	7	literacy	literacy	NOUN
fsr-3163	115	8	alone	alone	ADV
fsr-3163	115	9	was	be	AUX
fsr-3163	115	10	insufficient	insufficient	ADJ
fsr-3163	115	11	to	to	PART
fsr-3163	115	12	guarantee	guarantee	VERB
fsr-3163	115	13	control	control	NOUN
fsr-3163	115	14	over	over	ADP
fsr-3163	115	15	individual	individual	ADJ
fsr-3163	115	16	finances	finance	NOUN
fsr-3163	115	17	;	;	PUNCT
fsr-3163	115	18	financial	financial	ADJ
fsr-3163	115	19	self	self	NOUN
fsr-3163	115	20	-	-	PUNCT
fsr-3163	115	21	efficacy	efficacy	NOUN
fsr-3163	115	22	was	be	AUX
fsr-3163	115	23	similarly	similarly	ADV
fsr-3163	115	24	important	important	ADJ
fsr-3163	115	25	.	.	PUNCT
fsr-3163	116	1	what	what	PRON
fsr-3163	116	2	is	be	AUX
fsr-3163	116	3	the	the	DET
fsr-3163	116	4	difference	difference	NOUN
fsr-3163	116	5	between	between	ADP
fsr-3163	116	6	financial	financial	ADJ
fsr-3163	116	7	literacy	literacy	NOUN
fsr-3163	116	8	and	and	CCONJ
fsr-3163	116	9	financial	financial	ADJ
fsr-3163	116	10	efficacy	efficacy	NOUN
fsr-3163	116	11	?	?	PUNCT
fsr-3163	117	1	while	while	SCONJ
fsr-3163	117	2	researchers	researcher	NOUN
fsr-3163	117	3	have	have	VERB
fsr-3163	117	4	a	a	DET
fsr-3163	117	5	good	good	ADJ
fsr-3163	117	6	grasp	grasp	NOUN
fsr-3163	117	7	of	of	ADP
fsr-3163	117	8	financial	financial	ADJ
fsr-3163	117	9	literacy	literacy	NOUN
fsr-3163	117	10	,	,	PUNCT
fsr-3163	117	11	financial	financial	ADJ
fsr-3163	117	12	efficacy	efficacy	NOUN
fsr-3163	117	13	is	be	AUX
fsr-3163	117	14	a	a	DET
fsr-3163	117	15	much	much	ADV
fsr-3163	117	16	less	less	ADV
fsr-3163	117	17	publicized	publicize	VERB
fsr-3163	117	18	concept	concept	NOUN
fsr-3163	117	19	.	.	PUNCT
fsr-3163	118	1	the	the	DET
fsr-3163	118	2	most	most	ADV
fsr-3163	118	3	common	common	ADJ
fsr-3163	118	4	definition	definition	NOUN
fsr-3163	118	5	of	of	ADP
fsr-3163	118	6	financial	financial	ADJ
fsr-3163	118	7	efficacy	efficacy	NOUN
fsr-3163	118	8	is	be	AUX
fsr-3163	118	9	a	a	DET
fsr-3163	118	10	person	person	NOUN
fsr-3163	118	11	’s	’s	PART
fsr-3163	118	12	perceived	perceive	VERB
fsr-3163	118	13	capability	capability	NOUN
fsr-3163	118	14	to	to	PART
fsr-3163	118	15	control	control	VERB
fsr-3163	118	16	one	one	NUM
fsr-3163	118	17	’s	’s	PART
fsr-3163	118	18	personal	personal	ADJ
fsr-3163	118	19	finances	finance	NOUN
fsr-3163	118	20	(	(	PUNCT
fsr-3163	118	21	lapp	lapp	PROPN
fsr-3163	118	22	,	,	PUNCT
fsr-3163	118	23	2010	2010	NUM
fsr-3163	118	24	;	;	PUNCT
fsr-3163	118	25	postmus	postmus	NOUN
fsr-3163	118	26	,	,	PUNCT
fsr-3163	118	27	2011	2011	NUM
fsr-3163	118	28	)	)	PUNCT
fsr-3163	118	29	.	.	PUNCT
fsr-3163	119	1	with	with	ADP
fsr-3163	119	2	this	this	DET
fsr-3163	119	3	understanding	understanding	NOUN
fsr-3163	119	4	,	,	PUNCT
fsr-3163	119	5	it	it	PRON
fsr-3163	119	6	makes	make	VERB
fsr-3163	119	7	sense	sense	NOUN
fsr-3163	119	8	to	to	PART
fsr-3163	119	9	move	move	VERB
fsr-3163	119	10	forward	forward	ADV
fsr-3163	119	11	with	with	ADP
fsr-3163	119	12	the	the	DET
fsr-3163	119	13	attitude	attitude	NOUN
fsr-3163	119	14	that	that	SCONJ
fsr-3163	119	15	financial	financial	ADJ
fsr-3163	119	16	literacy	literacy	NOUN
fsr-3163	119	17	and	and	CCONJ
fsr-3163	119	18	financial	financial	ADJ
fsr-3163	119	19	efficacy	efficacy	NOUN
fsr-3163	119	20	must	must	AUX
fsr-3163	119	21	work	work	VERB
fsr-3163	119	22	in	in	ADP
fsr-3163	119	23	tandem	tandem	NOUN
fsr-3163	119	24	to	to	PART
fsr-3163	119	25	create	create	VERB
fsr-3163	119	26	a	a	DET
fsr-3163	119	27	positive	positive	ADJ
fsr-3163	119	28	outcome	outcome	NOUN
fsr-3163	119	29	;	;	PUNCT
fsr-3163	119	30	however	however	ADV
fsr-3163	119	31	,	,	PUNCT
fsr-3163	119	32	before	before	ADP
fsr-3163	119	33	closing	close	VERB
fsr-3163	119	34	the	the	DET
fsr-3163	119	35	door	door	NOUN
fsr-3163	119	36	on	on	ADP
fsr-3163	119	37	this	this	DET
fsr-3163	119	38	discussion	discussion	NOUN
fsr-3163	119	39	,	,	PUNCT
fsr-3163	119	40	a	a	DET
fsr-3163	119	41	few	few	ADJ
fsr-3163	119	42	other	other	ADJ
fsr-3163	119	43	terms	term	NOUN
fsr-3163	119	44	used	use	VERB
fsr-3163	119	45	in	in	ADP
fsr-3163	119	46	industry	industry	NOUN
fsr-3163	119	47	discussions	discussion	NOUN
fsr-3163	119	48	can	can	AUX
fsr-3163	119	49	be	be	AUX
fsr-3163	119	50	explored	explore	VERB
fsr-3163	119	51	.	.	PUNCT
fsr-3163	120	1	as	as	SCONJ
fsr-3163	120	2	noted	note	VERB
fsr-3163	120	3	by	by	ADP
fsr-3163	120	4	brounen	brounen	PROPN
fsr-3163	120	5	et	et	PROPN
fsr-3163	120	6	al	al	PROPN
fsr-3163	120	7	.	.	PROPN
fsr-3163	121	1	(	(	PUNCT
fsr-3163	121	2	2016	2016	NUM
fsr-3163	121	3	)	)	PUNCT
fsr-3163	121	4	,	,	PUNCT
fsr-3163	121	5	financial	financial	ADJ
fsr-3163	121	6	knowledge	knowledge	NOUN
fsr-3163	121	7	involves	involve	VERB
fsr-3163	121	8	understanding	understand	VERB
fsr-3163	121	9	key	key	ADJ
fsr-3163	121	10	financial	financial	ADJ
fsr-3163	121	11	terms	term	NOUN
fsr-3163	121	12	and	and	CCONJ
fsr-3163	121	13	ideas	idea	NOUN
fsr-3163	121	14	needed	need	VERB
fsr-3163	121	15	to	to	PART
fsr-3163	121	16	function	function	VERB
fsr-3163	121	17	day	day	NOUN
fsr-3163	121	18	by	by	ADP
fsr-3163	121	19	day	day	NOUN
fsr-3163	121	20	in	in	ADP
fsr-3163	121	21	society	society	NOUN
fsr-3163	121	22	.	.	PUNCT
fsr-3163	122	1	they	they	PRON
fsr-3163	122	2	also	also	ADV
fsr-3163	122	3	state	state	VERB
fsr-3163	122	4	that	that	SCONJ
fsr-3163	122	5	the	the	DET
fsr-3163	122	6	terms	term	NOUN
fsr-3163	122	7	financial	financial	ADJ
fsr-3163	122	8	literacy	literacy	NOUN
fsr-3163	122	9	,	,	PUNCT
fsr-3163	122	10	financial	financial	ADJ
fsr-3163	122	11	knowledge	knowledge	NOUN
fsr-3163	122	12	,	,	PUNCT
fsr-3163	122	13	and	and	CCONJ
fsr-3163	122	14	financial	financial	ADJ
fsr-3163	122	15	education	education	NOUN
fsr-3163	122	16	have	have	AUX
fsr-3163	122	17	regularly	regularly	ADV
fsr-3163	122	18	been	be	AUX
fsr-3163	122	19	used	use	VERB
fsr-3163	122	20	interchangeably	interchangeably	ADV
fsr-3163	122	21	in	in	ADP
fsr-3163	122	22	both	both	CCONJ
fsr-3163	122	23	academic	academic	ADJ
fsr-3163	122	24	literature	literature	NOUN
fsr-3163	122	25	and	and	CCONJ
fsr-3163	122	26	the	the	DET
fsr-3163	122	27	mainstream	mainstream	NOUN
fsr-3163	122	28	media	medium	NOUN
fsr-3163	122	29	.	.	PUNCT
fsr-3163	123	1	financial	financial	ADJ
fsr-3163	123	2	education	education	NOUN
fsr-3163	123	3	facilitates	facilitate	VERB
fsr-3163	123	4	literacy	literacy	NOUN
fsr-3163	123	5	,	,	PUNCT
fsr-3163	123	6	that	that	ADV
fsr-3163	123	7	is	is	ADV
fsr-3163	123	8	,	,	PUNCT
fsr-3163	123	9	mastery	mastery	NOUN
fsr-3163	123	10	of	of	ADP
fsr-3163	123	11	finance	finance	NOUN
fsr-3163	123	12	-	-	PUNCT
fsr-3163	123	13	related	relate	VERB
fsr-3163	123	14	knowledge	knowledge	NOUN
fsr-3163	123	15	and	and	CCONJ
fsr-3163	123	16	expertise	expertise	NOUN
fsr-3163	123	17	,	,	PUNCT
fsr-3163	123	18	which	which	PRON
fsr-3163	123	19	are	be	AUX
fsr-3163	123	20	essential	essential	ADJ
fsr-3163	123	21	in	in	ADP
fsr-3163	123	22	undertaking	undertake	VERB
fsr-3163	123	23	daily	daily	ADJ
fsr-3163	123	24	transactions	transaction	NOUN
fsr-3163	123	25	and	and	CCONJ
fsr-3163	123	26	wealth	wealth	NOUN
fsr-3163	123	27	accumulation	accumulation	NOUN
fsr-3163	123	28	investments	investment	NOUN
fsr-3163	123	29	.	.	PUNCT
fsr-3163	124	1	it	it	PRON
fsr-3163	124	2	empowers	empower	VERB
fsr-3163	124	3	people	people	NOUN
fsr-3163	124	4	to	to	PART
fsr-3163	124	5	manage	manage	VERB
fsr-3163	124	6	their	their	PRON
fsr-3163	124	7	own	own	ADJ
fsr-3163	124	8	finances	finance	NOUN
fsr-3163	124	9	and	and	CCONJ
fsr-3163	124	10	provide	provide	VERB
fsr-3163	124	11	long	long	ADV
fsr-3163	124	12	-	-	PUNCT
fsr-3163	124	13	lasting	last	VERB
fsr-3163	124	14	financial	financial	ADJ
fsr-3163	124	15	security	security	NOUN
fsr-3163	124	16	for	for	ADP
fsr-3163	124	17	themselves	themselves	PRON
fsr-3163	124	18	and	and	CCONJ
fsr-3163	124	19	their	their	PRON
fsr-3163	124	20	families	family	NOUN
fsr-3163	124	21	(	(	PUNCT
fsr-3163	124	22	sundarasen	sundarasen	NOUN
fsr-3163	124	23	et	et	PROPN
fsr-3163	124	24	al	al	PROPN
fsr-3163	124	25	.	.	PROPN
fsr-3163	124	26	,	,	PUNCT
fsr-3163	124	27	2016	2016	NUM
fsr-3163	124	28	)	)	PUNCT
fsr-3163	124	29	.	.	PUNCT
fsr-3163	125	1	based	base	VERB
fsr-3163	125	2	on	on	ADP
fsr-3163	125	3	the	the	DET
fsr-3163	125	4	latter	latter	ADJ
fsr-3163	125	5	two	two	NUM
fsr-3163	125	6	cited	cite	VERB
fsr-3163	125	7	studies	study	NOUN
fsr-3163	125	8	’	'	PUNCT
fsr-3163	125	9	findings	finding	NOUN
fsr-3163	125	10	,	,	PUNCT
fsr-3163	125	11	the	the	DET
fsr-3163	125	12	respondents	respondent	NOUN
fsr-3163	125	13	who	who	PRON
fsr-3163	125	14	are	be	AUX
fsr-3163	125	15	financially	financially	ADV
fsr-3163	125	16	interested	interested	ADJ
fsr-3163	125	17	,	,	PUNCT
fsr-3163	125	18	keep	keep	VERB
fsr-3163	125	19	a	a	DET
fsr-3163	125	20	tight	tight	ADJ
fsr-3163	125	21	household	household	NOUN
fsr-3163	125	22	administration	administration	NOUN
fsr-3163	125	23	,	,	PUNCT
fsr-3163	125	24	have	have	VERB
fsr-3163	125	25	a	a	DET
fsr-3163	125	26	strong	strong	ADJ
fsr-3163	125	27	locus	locus	NOUN
fsr-3163	125	28	of	of	ADP
fsr-3163	125	29	control	control	NOUN
fsr-3163	125	30	,	,	PUNCT
fsr-3163	125	31	and	and	CCONJ
fsr-3163	125	32	have	have	VERB
fsr-3163	125	33	a	a	DET
fsr-3163	125	34	positive	positive	ADJ
fsr-3163	125	35	economic	economic	ADJ
fsr-3163	125	36	outlook	outlook	NOUN
fsr-3163	125	37	are	be	AUX
fsr-3163	125	38	all	all	ADV
fsr-3163	125	39	more	more	ADV
fsr-3163	125	40	prone	prone	ADJ
fsr-3163	125	41	to	to	PART
fsr-3163	125	42	postpone	postpone	VERB
fsr-3163	125	43	immediate	immediate	ADJ
fsr-3163	125	44	consumption	consumption	NOUN
fsr-3163	125	45	for	for	ADP
fsr-3163	125	46	the	the	DET
fsr-3163	125	47	sake	sake	NOUN
fsr-3163	125	48	of	of	ADP
fsr-3163	125	49	future	future	ADJ
fsr-3163	125	50	needs	need	NOUN
fsr-3163	125	51	.	.	PUNCT
fsr-3163	126	1	households	household	NOUN
fsr-3163	126	2	that	that	PRON
fsr-3163	126	3	save	save	VERB
fsr-3163	126	4	money	money	NOUN
fsr-3163	126	5	share	share	VERB
fsr-3163	126	6	a	a	DET
fsr-3163	126	7	certain	certain	ADJ
fsr-3163	126	8	set	set	NOUN
fsr-3163	126	9	of	of	ADP
fsr-3163	126	10	personality	personality	NOUN
fsr-3163	126	11	variables	variable	NOUN
fsr-3163	126	12	(	(	PUNCT
fsr-3163	126	13	brounen	brounen	PROPN
fsr-3163	126	14	et	et	PROPN
fsr-3163	126	15	al	al	PROPN
fsr-3163	126	16	.	.	PROPN
fsr-3163	126	17	,	,	PUNCT
fsr-3163	126	18	2016	2016	NUM
fsr-3163	126	19	)	)	PUNCT
fsr-3163	126	20	.	.	PUNCT
fsr-3163	127	1	with	with	ADP
fsr-3163	127	2	theoretical	theoretical	ADJ
fsr-3163	127	3	and	and	CCONJ
fsr-3163	127	4	empirical	empirical	ADJ
fsr-3163	127	5	support	support	NOUN
fsr-3163	127	6	,	,	PUNCT
fsr-3163	127	7	the	the	DET
fsr-3163	127	8	results	result	NOUN
fsr-3163	127	9	of	of	ADP
fsr-3163	127	10	sundarasen	sundarasen	NOUN
fsr-3163	127	11	and	and	CCONJ
fsr-3163	127	12	colleagues	colleague	NOUN
fsr-3163	127	13	’	'	PUNCT
fsr-3163	127	14	(	(	PUNCT
fsr-3163	127	15	sundarasen	sundarasen	VERB
fsr-3163	127	16	et	et	PROPN
fsr-3163	127	17	al	al	PROPN
fsr-3163	127	18	.	.	PROPN
fsr-3163	127	19	,	,	PUNCT
fsr-3163	127	20	2016	2016	NUM
fsr-3163	127	21	)	)	PUNCT
fsr-3163	127	22	study	study	NOUN
fsr-3163	127	23	indicate	indicate	VERB
fsr-3163	127	24	that	that	SCONJ
fsr-3163	127	25	parental	parental	ADJ
fsr-3163	127	26	norms	norm	NOUN
fsr-3163	127	27	,	,	PUNCT
fsr-3163	127	28	socialization	socialization	NOUN
fsr-3163	127	29	proxies	proxy	NOUN
fsr-3163	127	30	,	,	PUNCT
fsr-3163	127	31	and	and	CCONJ
fsr-3163	127	32	financial	financial	ADJ
fsr-3163	127	33	literacy	literacy	NOUN
fsr-3163	127	34	play	play	VERB
fsr-3163	127	35	a	a	DET
fsr-3163	127	36	significant	significant	ADJ
fsr-3163	127	37	role	role	NOUN
fsr-3163	127	38	in	in	ADP
fsr-3163	127	39	money	money	NOUN
fsr-3163	127	40	management	management	NOUN
fsr-3163	127	41	.	.	PUNCT
fsr-3163	128	1	3.4	3.4	NUM
fsr-3163	128	2	.	.	PUNCT
fsr-3163	128	3	conceptual	conceptual	ADJ
fsr-3163	128	4	framework	framework	NOUN
fsr-3163	128	5	and	and	CCONJ
fsr-3163	128	6	theory	theory	NOUN
fsr-3163	128	7	from	from	ADP
fsr-3163	128	8	the	the	DET
fsr-3163	128	9	start	start	NOUN
fsr-3163	128	10	,	,	PUNCT
fsr-3163	128	11	the	the	DET
fsr-3163	128	12	life	life	NOUN
fsr-3163	128	13	-	-	PUNCT
fsr-3163	128	14	cycle	cycle	NOUN
fsr-3163	128	15	theory	theory	NOUN
fsr-3163	128	16	(	(	PUNCT
fsr-3163	128	17	see	see	VERB
fsr-3163	128	18	figure	figure	NOUN
fsr-3163	128	19	1	1	NUM
fsr-3163	128	20	)	)	PUNCT
fsr-3163	128	21	reports	report	VERB
fsr-3163	128	22	that	that	SCONJ
fsr-3163	128	23	individuals	individual	NOUN
fsr-3163	128	24	consume	consume	VERB
fsr-3163	128	25	resources	resource	NOUN
fsr-3163	128	26	in	in	ADP
fsr-3163	128	27	various	various	ADJ
fsr-3163	128	28	amounts	amount	NOUN
fsr-3163	128	29	throughout	throughout	ADP
fsr-3163	128	30	their	their	PRON
fsr-3163	128	31	lives	life	NOUN
fsr-3163	128	32	based	base	VERB
fsr-3163	128	33	on	on	ADP
fsr-3163	128	34	income	income	NOUN
fsr-3163	128	35	and	and	CCONJ
fsr-3163	128	36	family	family	NOUN
fsr-3163	128	37	dynamics	dynamic	NOUN
fsr-3163	128	38	.	.	PUNCT
fsr-3163	129	1	in	in	ADP
fsr-3163	129	2	light	light	NOUN
fsr-3163	129	3	of	of	ADP
fsr-3163	129	4	this	this	DET
fsr-3163	129	5	theory	theory	NOUN
fsr-3163	129	6	,	,	PUNCT
fsr-3163	129	7	we	we	PRON
fsr-3163	129	8	can	can	AUX
fsr-3163	129	9	assume	assume	VERB
fsr-3163	129	10	that	that	SCONJ
fsr-3163	129	11	individuals	individual	NOUN
fsr-3163	129	12	emphasize	emphasize	VERB
fsr-3163	129	13	consumption	consumption	NOUN
fsr-3163	129	14	to	to	PART
fsr-3163	129	15	provide	provide	VERB
fsr-3163	129	16	utility	utility	NOUN
fsr-3163	129	17	,	,	PUNCT
fsr-3163	129	18	leading	lead	VERB
fsr-3163	129	19	to	to	ADP
fsr-3163	129	20	financial	financial	ADJ
fsr-3163	129	21	well	well	NOUN
fsr-3163	129	22	-	-	PUNCT
fsr-3163	129	23	being	being	NOUN
fsr-3163	129	24	.	.	PUNCT
fsr-3163	130	1	variables	variable	NOUN
fsr-3163	130	2	such	such	ADJ
fsr-3163	130	3	as	as	ADP
fsr-3163	130	4	financial	financial	ADJ
fsr-3163	130	5	knowledge	knowledge	NOUN
fsr-3163	130	6	and	and	CCONJ
fsr-3163	130	7	employment	employment	NOUN
fsr-3163	130	8	seem	seem	VERB
fsr-3163	130	9	to	to	PART
fsr-3163	130	10	have	have	VERB
fsr-3163	130	11	an	an	DET
fsr-3163	130	12	equal	equal	ADJ
fsr-3163	130	13	influence	influence	NOUN
fsr-3163	130	14	on	on	ADP
fsr-3163	130	15	financial	financial	ADJ
fsr-3163	130	16	behaviors	behavior	NOUN
fsr-3163	130	17	and	and	CCONJ
fsr-3163	130	18	financial	financial	ADJ
fsr-3163	130	19	well	well	NOUN
fsr-3163	130	20	-	-	PUNCT
fsr-3163	130	21	being	being	NOUN
fsr-3163	130	22	.	.	PUNCT
fsr-3163	131	1	additionally	additionally	ADV
fsr-3163	131	2	,	,	PUNCT
fsr-3163	131	3	financial	financial	ADJ
fsr-3163	131	4	behaviors	behavior	NOUN
fsr-3163	131	5	such	such	ADJ
fsr-3163	131	6	as	as	ADP
fsr-3163	131	7	home	home	NOUN
fsr-3163	131	8	acquisition	acquisition	NOUN
fsr-3163	131	9	and	and	CCONJ
fsr-3163	131	10	savings	saving	NOUN
fsr-3163	131	11	are	be	AUX
fsr-3163	131	12	an	an	DET
fsr-3163	131	13	expected	expected	ADJ
fsr-3163	131	14	part	part	NOUN
fsr-3163	131	15	of	of	ADP
fsr-3163	131	16	the	the	DET
fsr-3163	131	17	life	life	NOUN
fsr-3163	131	18	-	-	PUNCT
fsr-3163	131	19	cycle	cycle	NOUN
fsr-3163	131	20	and	and	CCONJ
fsr-3163	131	21	should	should	AUX
fsr-3163	131	22	positively	positively	ADV
fsr-3163	131	23	influence	influence	VERB
fsr-3163	131	24	financial	financial	ADJ
fsr-3163	131	25	well	well	NOUN
fsr-3163	131	26	-	-	PUNCT
fsr-3163	131	27	being	being	NOUN
fsr-3163	131	28	.	.	PUNCT
fsr-3163	132	1	based	base	VERB
fsr-3163	132	2	on	on	ADP
fsr-3163	132	3	the	the	DET
fsr-3163	132	4	life	life	NOUN
fsr-3163	132	5	cycle	cycle	NOUN
fsr-3163	132	6	theory	theory	NOUN
fsr-3163	132	7	,	,	PUNCT
fsr-3163	132	8	the	the	DET
fsr-3163	132	9	researchers	researcher	NOUN
fsr-3163	132	10	have	have	AUX
fsr-3163	132	11	put	put	VERB
fsr-3163	132	12	forward	forward	ADV
fsr-3163	132	13	the	the	DET
fsr-3163	132	14	following	follow	VERB
fsr-3163	132	15	hypothesis	hypothesis	NOUN
fsr-3163	132	16	:	:	PUNCT
fsr-3163	132	17	4	4	X
fsr-3163	132	18	.	.	X
fsr-3163	132	19	hypotheses	hypothesis	NOUN
fsr-3163	132	20	h1	h1	ADJ
fsr-3163	132	21	:	:	PUNCT
fsr-3163	132	22	african	african	ADJ
fsr-3163	132	23	americans	americans	PROPN
fsr-3163	132	24	have	have	VERB
fsr-3163	132	25	lower	low	ADJ
fsr-3163	132	26	levels	level	NOUN
fsr-3163	132	27	of	of	ADP
fsr-3163	132	28	financial	financial	ADJ
fsr-3163	132	29	well	well	NOUN
fsr-3163	132	30	-	-	PUNCT
fsr-3163	132	31	being	being	NOUN
fsr-3163	132	32	compared	compare	VERB
fsr-3163	132	33	with	with	ADP
fsr-3163	132	34	white	white	ADJ
fsr-3163	132	35	americans	americans	PROPN
fsr-3163	132	36	.	.	PUNCT
fsr-3163	133	1	h2	h2	PROPN
fsr-3163	133	2	:	:	PUNCT
fsr-3163	133	3	african	african	PROPN
fsr-3163	133	4	americans	americans	PROPN
fsr-3163	133	5	who	who	PRON
fsr-3163	133	6	are	be	AUX
fsr-3163	133	7	employed	employ	VERB
fsr-3163	133	8	full	full	ADJ
fsr-3163	133	9	time	time	NOUN
fsr-3163	133	10	are	be	AUX
fsr-3163	133	11	more	more	ADV
fsr-3163	133	12	likely	likely	ADJ
fsr-3163	133	13	to	to	PART
fsr-3163	133	14	have	have	VERB
fsr-3163	133	15	higher	high	ADJ
fsr-3163	133	16	levels	level	NOUN
fsr-3163	133	17	of	of	ADP
fsr-3163	133	18	financial	financial	ADJ
fsr-3163	133	19	well	well	NOUN
fsr-3163	133	20	-	-	PUNCT
fsr-3163	133	21	being	being	NOUN
fsr-3163	133	22	than	than	ADP
fsr-3163	133	23	african	african	ADJ
fsr-3163	133	24	americans	americans	PROPN
fsr-3163	133	25	who	who	PRON
fsr-3163	133	26	are	be	AUX
fsr-3163	133	27	not	not	PART
fsr-3163	133	28	employed	employ	VERB
fsr-3163	133	29	full	full	ADJ
fsr-3163	133	30	time	time	NOUN
fsr-3163	133	31	.	.	PUNCT
fsr-3163	134	1	326	326	NUM
fsr-3163	134	2	c.	c.	PROPN
fsr-3163	134	3	w.	w.	PROPN
fsr-3163	134	4	copeland	copeland	PROPN
fsr-3163	134	5	et	et	PROPN
fsr-3163	134	6	al	al	PROPN
fsr-3163	134	7	.	.	PUNCT
fsr-3163	134	8	/	/	SYM
fsr-3163	134	9	financial	financial	ADJ
fsr-3163	134	10	services	service	NOUN
fsr-3163	134	11	review	review	VERB
fsr-3163	134	12	30	30	NUM
fsr-3163	134	13	(	(	PUNCT
fsr-3163	134	14	2022	2022	NUM
fsr-3163	134	15	)	)	PUNCT
fsr-3163	135	1	321–336	321–336	NUM
fsr-3163	135	2	h3	h3	VERB
fsr-3163	135	3	:	:	PUNCT
fsr-3163	135	4	african	african	ADJ
fsr-3163	135	5	americans	americans	PROPN
fsr-3163	135	6	who	who	PRON
fsr-3163	135	7	own	own	VERB
fsr-3163	135	8	their	their	PRON
fsr-3163	135	9	homes	home	NOUN
fsr-3163	135	10	are	be	AUX
fsr-3163	135	11	more	more	ADV
fsr-3163	135	12	likely	likely	ADJ
fsr-3163	135	13	to	to	PART
fsr-3163	135	14	have	have	VERB
fsr-3163	135	15	higher	high	ADJ
fsr-3163	135	16	levels	level	NOUN
fsr-3163	135	17	of	of	ADP
fsr-3163	135	18	financial	financial	ADJ
fsr-3163	135	19	well	well	NOUN
fsr-3163	135	20	-	-	PUNCT
fsr-3163	135	21	being	being	NOUN
fsr-3163	135	22	than	than	ADP
fsr-3163	135	23	african	african	ADJ
fsr-3163	135	24	americans	americans	PROPN
fsr-3163	135	25	who	who	PRON
fsr-3163	135	26	do	do	AUX
fsr-3163	135	27	not	not	PART
fsr-3163	135	28	own	own	VERB
fsr-3163	135	29	their	their	PRON
fsr-3163	135	30	homes	home	NOUN
fsr-3163	135	31	.	.	PUNCT
fsr-3163	136	1	h4	h4	NOUN
fsr-3163	136	2	:	:	PUNCT
fsr-3163	136	3	african	african	ADJ
fsr-3163	136	4	americans	americans	PROPN
fsr-3163	136	5	who	who	PRON
fsr-3163	136	6	are	be	AUX
fsr-3163	136	7	financially	financially	ADV
fsr-3163	136	8	knowledgeable	knowledgeable	ADJ
fsr-3163	136	9	are	be	AUX
fsr-3163	136	10	more	more	ADV
fsr-3163	136	11	likely	likely	ADJ
fsr-3163	136	12	to	to	PART
fsr-3163	136	13	have	have	VERB
fsr-3163	136	14	higher	high	ADJ
fsr-3163	136	15	levels	level	NOUN
fsr-3163	136	16	of	of	ADP
fsr-3163	136	17	financial	financial	ADJ
fsr-3163	136	18	well	well	NOUN
fsr-3163	136	19	-	-	PUNCT
fsr-3163	136	20	being	being	NOUN
fsr-3163	136	21	than	than	ADP
fsr-3163	136	22	african	african	ADJ
fsr-3163	136	23	americans	americans	PROPN
fsr-3163	136	24	who	who	PRON
fsr-3163	136	25	are	be	AUX
fsr-3163	136	26	not	not	PART
fsr-3163	136	27	financially	financially	ADV
fsr-3163	136	28	knowledgeable	knowledgeable	ADJ
fsr-3163	136	29	.	.	PUNCT
fsr-3163	137	1	h5	h5	PROPN
fsr-3163	137	2	:	:	PUNCT
fsr-3163	137	3	african	african	ADJ
fsr-3163	137	4	americans	americans	PROPN
fsr-3163	137	5	with	with	ADP
fsr-3163	137	6	savings	saving	NOUN
fsr-3163	137	7	greater	great	ADJ
fsr-3163	137	8	than	than	ADP
fsr-3163	137	9	$	$	SYM
fsr-3163	137	10	5,000	5,000	NUM
fsr-3163	137	11	and	and	CCONJ
fsr-3163	137	12	with	with	ADP
fsr-3163	137	13	investments	investment	NOUN
fsr-3163	137	14	are	be	AUX
fsr-3163	137	15	more	more	ADV
fsr-3163	137	16	likely	likely	ADJ
fsr-3163	137	17	to	to	PART
fsr-3163	137	18	have	have	VERB
fsr-3163	137	19	higher	high	ADJ
fsr-3163	137	20	levels	level	NOUN
fsr-3163	137	21	of	of	ADP
fsr-3163	137	22	financial	financial	ADJ
fsr-3163	137	23	well	well	NOUN
fsr-3163	137	24	-	-	PUNCT
fsr-3163	137	25	being	being	NOUN
fsr-3163	137	26	than	than	ADP
fsr-3163	137	27	african	african	ADJ
fsr-3163	137	28	americans	americans	PROPN
fsr-3163	137	29	who	who	PRON
fsr-3163	137	30	have	have	VERB
fsr-3163	137	31	savings	saving	NOUN
fsr-3163	137	32	of	of	ADP
fsr-3163	137	33	less	less	ADJ
fsr-3163	137	34	than	than	ADP
fsr-3163	137	35	$	$	SYM
fsr-3163	137	36	5,000	5,000	NUM
fsr-3163	137	37	and	and	CCONJ
fsr-3163	137	38	have	have	VERB
fsr-3163	137	39	no	no	DET
fsr-3163	137	40	investments	investment	NOUN
fsr-3163	137	41	.	.	PUNCT
fsr-3163	138	1	5	5	X
fsr-3163	138	2	.	.	X
fsr-3163	138	3	methods	method	NOUN
fsr-3163	138	4	5.1	5.1	NUM
fsr-3163	138	5	.	.	PUNCT
fsr-3163	139	1	data	datum	NOUN
fsr-3163	139	2	and	and	CCONJ
fsr-3163	139	3	sample	sample	NOUN
fsr-3163	139	4	selection	selection	NOUN
fsr-3163	139	5	this	this	DET
fsr-3163	139	6	study	study	NOUN
fsr-3163	139	7	explores	explore	VERB
fsr-3163	139	8	the	the	DET
fsr-3163	139	9	financial	financial	ADJ
fsr-3163	139	10	security	security	NOUN
fsr-3163	139	11	of	of	ADP
fsr-3163	139	12	african	african	ADJ
fsr-3163	139	13	american	american	ADJ
fsr-3163	139	14	households	household	NOUN
fsr-3163	139	15	with	with	ADP
fsr-3163	139	16	an	an	DET
fsr-3163	139	17	income	income	NOUN
fsr-3163	139	18	of	of	ADP
fsr-3163	139	19	$	$	SYM
fsr-3163	139	20	40,000	40,000	NUM
fsr-3163	139	21	or	or	CCONJ
fsr-3163	139	22	more	more	ADJ
fsr-3163	139	23	,	,	PUNCT
fsr-3163	139	24	based	base	VERB
fsr-3163	139	25	on	on	ADP
fsr-3163	139	26	the	the	DET
fsr-3163	139	27	u.s	u.s	PROPN
fsr-3163	139	28	.	.	PROPN
fsr-3163	139	29	census	census	PROPN
fsr-3163	139	30	’	'	PUNCT
fsr-3163	139	31	median	median	ADJ
fsr-3163	139	32	african	african	ADJ
fsr-3163	139	33	american	american	ADJ
fsr-3163	139	34	income	income	NOUN
fsr-3163	139	35	of	of	ADP
fsr-3163	139	36	$	$	SYM
fsr-3163	139	37	45,438	45,438	NUM
fsr-3163	139	38	in	in	ADP
fsr-3163	139	39	2019	2019	NUM
fsr-3163	139	40	(	(	PUNCT
fsr-3163	139	41	semega	semega	NOUN
fsr-3163	139	42	et	et	PROPN
fsr-3163	139	43	al	al	PROPN
fsr-3163	139	44	.	.	PROPN
fsr-3163	139	45	,	,	PUNCT
fsr-3163	139	46	2020	2020	NUM
fsr-3163	139	47	)	)	PUNCT
fsr-3163	139	48	.	.	PUNCT
fsr-3163	140	1	the	the	DET
fsr-3163	140	2	study	study	NOUN
fsr-3163	140	3	’s	’s	PART
fsr-3163	140	4	target	target	NOUN
fsr-3163	140	5	population	population	NOUN
fsr-3163	140	6	consists	consist	VERB
fsr-3163	140	7	of	of	ADP
fsr-3163	140	8	households	household	NOUN
fsr-3163	140	9	belonging	belong	VERB
fsr-3163	140	10	to	to	ADP
fsr-3163	140	11	the	the	DET
fsr-3163	140	12	income	income	NOUN
fsr-3163	140	13	baseline	baseline	NOUN
fsr-3163	140	14	of	of	ADP
fsr-3163	140	15	$	$	SYM
fsr-3163	140	16	40,000	40,000	NUM
fsr-3163	140	17	or	or	CCONJ
fsr-3163	140	18	greater	great	ADJ
fsr-3163	140	19	,	,	PUNCT
fsr-3163	140	20	representing	represent	VERB
fsr-3163	140	21	68	68	NUM
fsr-3163	140	22	%	%	NOUN
fsr-3163	140	23	of	of	ADP
fsr-3163	140	24	the	the	DET
fsr-3163	140	25	sample	sample	NOUN
fsr-3163	140	26	set	set	NOUN
fsr-3163	140	27	.	.	PUNCT
fsr-3163	141	1	the	the	DET
fsr-3163	141	2	study	study	NOUN
fsr-3163	141	3	sample	sample	NOUN
fsr-3163	141	4	comprised	comprise	VERB
fsr-3163	141	5	4,339	4,339	NUM
fsr-3163	141	6	respondents	respondent	NOUN
fsr-3163	141	7	from	from	ADP
fsr-3163	141	8	the	the	DET
fsr-3163	141	9	income	income	NOUN
fsr-3163	141	10	range	range	NOUN
fsr-3163	141	11	of	of	ADP
fsr-3163	141	12	$	$	SYM
fsr-3163	141	13	40,000	40,000	NUM
fsr-3163	141	14	to	to	PART
fsr-3163	141	15	$	$	SYM
fsr-3163	141	16	150,000	150,000	NUM
fsr-3163	141	17	plus	plus	NOUN
fsr-3163	141	18	,	,	PUNCT
fsr-3163	141	19	divided	divide	VERB
fsr-3163	141	20	into	into	ADP
fsr-3163	141	21	three	three	NUM
fsr-3163	141	22	ethnic	ethnic	ADJ
fsr-3163	141	23	groups	group	NOUN
fsr-3163	141	24	.	.	PUNCT
fsr-3163	142	1	of	of	ADP
fsr-3163	142	2	the	the	DET
fsr-3163	142	3	4,339	4,339	NUM
fsr-3163	142	4	households	household	NOUN
fsr-3163	142	5	,	,	PUNCT
fsr-3163	142	6	3,070	3,070	NUM
fsr-3163	142	7	(	(	PUNCT
fsr-3163	142	8	70.7	70.7	NUM
fsr-3163	142	9	%	%	NOUN
fsr-3163	142	10	)	)	PUNCT
fsr-3163	142	11	identified	identify	VERB
fsr-3163	142	12	themselves	themselves	PRON
fsr-3163	142	13	as	as	ADP
fsr-3163	142	14	white	white	PROPN
fsr-3163	142	15	americans	americans	PROPN
fsr-3163	142	16	,	,	PUNCT
fsr-3163	142	17	407	407	NUM
fsr-3163	142	18	(	(	PUNCT
fsr-3163	142	19	9.4	9.4	NUM
fsr-3163	142	20	%	%	NOUN
fsr-3163	142	21	)	)	PUNCT
fsr-3163	142	22	as	as	ADP
fsr-3163	142	23	african	african	ADJ
fsr-3163	142	24	americans	americans	PROPN
fsr-3163	142	25	,	,	PUNCT
fsr-3163	142	26	and	and	CCONJ
fsr-3163	142	27	862	862	NUM
fsr-3163	142	28	(	(	PUNCT
fsr-3163	142	29	19.9	19.9	NUM
fsr-3163	142	30	%	%	NOUN
fsr-3163	142	31	)	)	PUNCT
fsr-3163	142	32	as	as	ADP
fsr-3163	142	33	other	other	ADJ
fsr-3163	142	34	americans	americans	PROPN
fsr-3163	142	35	.	.	PUNCT
fsr-3163	143	1	this	this	DET
fsr-3163	143	2	study	study	NOUN
fsr-3163	143	3	used	use	VERB
fsr-3163	143	4	the	the	DET
fsr-3163	143	5	2016	2016	NUM
fsr-3163	143	6	national	national	ADJ
fsr-3163	143	7	financial	financial	ADJ
fsr-3163	143	8	well	well	ADV
fsr-3163	143	9	-	-	PUNCT
fsr-3163	143	10	being	be	AUX
fsr-3163	143	11	survey	survey	NOUN
fsr-3163	143	12	(	(	PUNCT
fsr-3163	143	13	nfwbs	nfwbs	PROPN
fsr-3163	143	14	)	)	PUNCT
fsr-3163	143	15	that	that	SCONJ
fsr-3163	143	16	the	the	DET
fsr-3163	143	17	consumer	consumer	NOUN
fsr-3163	143	18	financial	financial	PROPN
fsr-3163	143	19	protection	protection	PROPN
fsr-3163	143	20	bureau	bureau	PROPN
fsr-3163	143	21	(	(	PUNCT
fsr-3163	143	22	cfpb	cfpb	NOUN
fsr-3163	143	23	)	)	PUNCT
fsr-3163	143	24	administers	administer	NOUN
fsr-3163	143	25	and	and	CCONJ
fsr-3163	143	26	releases	release	NOUN
fsr-3163	143	27	.	.	PUNCT
fsr-3163	144	1	the	the	DET
fsr-3163	144	2	nfwbs	nfwb	NOUN
fsr-3163	144	3	was	be	AUX
fsr-3163	144	4	designed	design	VERB
fsr-3163	144	5	to	to	PART
fsr-3163	144	6	measure	measure	VERB
fsr-3163	144	7	the	the	DET
fsr-3163	144	8	levels	level	NOUN
fsr-3163	144	9	and	and	CCONJ
fsr-3163	144	10	distribution	distribution	NOUN
fsr-3163	144	11	of	of	ADP
fsr-3163	144	12	financial	financial	ADJ
fsr-3163	144	13	well	well	NOUN
fsr-3163	144	14	-	-	PUNCT
fsr-3163	144	15	being	being	NOUN
fsr-3163	144	16	among	among	ADP
fsr-3163	144	17	the	the	DET
fsr-3163	144	18	u.s	u.s	PROPN
fsr-3163	144	19	.	.	PROPN
fsr-3163	144	20	adult	adult	NOUN
fsr-3163	144	21	population	population	NOUN
fsr-3163	144	22	and	and	CCONJ
fsr-3163	144	23	to	to	PART
fsr-3163	144	24	provide	provide	VERB
fsr-3163	144	25	household	household	NOUN
fsr-3163	144	26	characteristics	characteristic	NOUN
fsr-3163	144	27	,	,	PUNCT
fsr-3163	144	28	income	income	NOUN
fsr-3163	144	29	levels	level	NOUN
fsr-3163	144	30	,	,	PUNCT
fsr-3163	144	31	and	and	CCONJ
fsr-3163	144	32	employment	employment	NOUN
fsr-3163	144	33	characteristics	characteristic	NOUN
fsr-3163	144	34	,	,	PUNCT
fsr-3163	144	35	financial	financial	ADJ
fsr-3163	144	36	experiences	experience	NOUN
fsr-3163	144	37	,	,	PUNCT
fsr-3163	144	38	and	and	CCONJ
fsr-3163	144	39	financial	financial	ADJ
fsr-3163	144	40	behaviors	behavior	NOUN
fsr-3163	144	41	,	,	PUNCT
fsr-3163	144	42	skills	skill	NOUN
fsr-3163	144	43	,	,	PUNCT
fsr-3163	144	44	and	and	CCONJ
fsr-3163	144	45	fig	fig	NOUN
fsr-3163	144	46	.	.	PUNCT
fsr-3163	145	1	1	1	X
fsr-3163	145	2	.	.	X
fsr-3163	145	3	this	this	DET
fsr-3163	145	4	model	model	NOUN
fsr-3163	145	5	was	be	AUX
fsr-3163	145	6	produced	produce	VERB
fsr-3163	145	7	by	by	ADP
fsr-3163	145	8	pettinger	pettinger	NOUN
fsr-3163	145	9	(	(	PUNCT
fsr-3163	145	10	2019	2019	NUM
fsr-3163	145	11	)	)	PUNCT
fsr-3163	145	12	,	,	PUNCT
fsr-3163	145	13	the	the	DET
fsr-3163	145	14	life	life	NOUN
fsr-3163	145	15	-	-	PUNCT
fsr-3163	145	16	cycle	cycle	NOUN
fsr-3163	145	17	hypothesis	hypothesis	NOUN
fsr-3163	145	18	.	.	PUNCT
fsr-3163	146	1	from	from	ADP
fsr-3163	146	2	economicshelp.org	economicshelp.org	X
fsr-3163	146	3	(	(	PUNCT
fsr-3163	146	4	https://www.economicshelp.org/blog/27080/concepts/life-cycle-hypothesis/	https://www.economicshelp.org/blog/27080/concepts/life-cycle-hypothesis/	PROPN
fsr-3163	146	5	)	)	PUNCT
fsr-3163	146	6	.	.	PUNCT
fsr-3163	147	1	c.	c.	PROPN
fsr-3163	147	2	w.	w.	PROPN
fsr-3163	147	3	copeland	copeland	PROPN
fsr-3163	147	4	et	et	PROPN
fsr-3163	147	5	al	al	PROPN
fsr-3163	147	6	.	.	PUNCT
fsr-3163	147	7	/	/	SYM
fsr-3163	147	8	financial	financial	ADJ
fsr-3163	147	9	services	service	NOUN
fsr-3163	147	10	review	review	VERB
fsr-3163	147	11	30	30	NUM
fsr-3163	147	12	(	(	PUNCT
fsr-3163	147	13	2022	2022	NUM
fsr-3163	147	14	)	)	PUNCT
fsr-3163	148	1	321–336	321–336	NUM
fsr-3163	148	2	327	327	NUM
fsr-3163	148	3	attitudes	attitude	NOUN
fsr-3163	148	4	.	.	PUNCT
fsr-3163	149	1	both	both	DET
fsr-3163	149	2	descriptive	descriptive	ADJ
fsr-3163	149	3	and	and	CCONJ
fsr-3163	149	4	multivariate	multivariate	NOUN
fsr-3163	149	5	results	result	NOUN
fsr-3163	149	6	were	be	AUX
fsr-3163	149	7	weighted	weight	VERB
fsr-3163	149	8	according	accord	VERB
fsr-3163	149	9	to	to	ADP
fsr-3163	149	10	the	the	DET
fsr-3163	149	11	nfwbs	nfwbs	ADJ
fsr-3163	149	12	study	study	NOUN
fsr-3163	149	13	weights	weight	NOUN
fsr-3163	149	14	to	to	PART
fsr-3163	149	15	represent	represent	VERB
fsr-3163	149	16	the	the	DET
fsr-3163	149	17	u.s	u.s	PROPN
fsr-3163	149	18	.	.	PROPN
fsr-3163	149	19	population	population	NOUN
fsr-3163	149	20	.	.	PUNCT
fsr-3163	150	1	table	table	NOUN
fsr-3163	150	2	1	1	NUM
fsr-3163	150	3	exhibits	exhibit	VERB
fsr-3163	150	4	the	the	DET
fsr-3163	150	5	summary	summary	NOUN
fsr-3163	150	6	statistics	statistic	NOUN
fsr-3163	150	7	of	of	ADP
fsr-3163	150	8	the	the	DET
fsr-3163	150	9	dataset	dataset	NOUN
fsr-3163	150	10	.	.	PUNCT
fsr-3163	151	1	6	6	X
fsr-3163	151	2	.	.	X
fsr-3163	151	3	measurement	measurement	NOUN
fsr-3163	151	4	of	of	ADP
fsr-3163	151	5	variables	variable	NOUN
fsr-3163	152	1	[	[	X
fsr-3163	152	2	database	database	X
fsr-3163	152	3	]	]	X
fsr-3163	152	4	6.1	6.1	NUM
fsr-3163	152	5	.	.	PUNCT
fsr-3163	153	1	dependent	dependent	ADJ
fsr-3163	153	2	variables	variable	VERB
fsr-3163	153	3	a	a	DET
fsr-3163	153	4	cfpb	cfpb	ADJ
fsr-3163	153	5	financial	financial	ADJ
fsr-3163	153	6	well	well	ADV
fsr-3163	153	7	-	-	PUNCT
fsr-3163	153	8	being	being	NOUN
fsr-3163	153	9	scale	scale	NOUN
fsr-3163	153	10	score	score	NOUN
fsr-3163	153	11	is	be	AUX
fsr-3163	153	12	a	a	DET
fsr-3163	153	13	standardized	standardized	ADJ
fsr-3163	153	14	number	number	NOUN
fsr-3163	153	15	between	between	ADP
fsr-3163	153	16	0	0	NUM
fsr-3163	153	17	and	and	CCONJ
fsr-3163	153	18	100	100	NUM
fsr-3163	153	19	that	that	PRON
fsr-3163	153	20	represents	represent	VERB
fsr-3163	153	21	the	the	DET
fsr-3163	153	22	respondent	respondent	NOUN
fsr-3163	153	23	’s	’s	PART
fsr-3163	153	24	underlying	underlie	VERB
fsr-3163	153	25	level	level	NOUN
fsr-3163	153	26	of	of	ADP
fsr-3163	153	27	financial	financial	ADJ
fsr-3163	153	28	well	well	NOUN
fsr-3163	153	29	-	-	PUNCT
fsr-3163	153	30	being	being	NOUN
fsr-3163	153	31	.	.	PUNCT
fsr-3163	154	1	a	a	DET
fsr-3163	154	2	higher	high	ADJ
fsr-3163	154	3	score	score	NOUN
fsr-3163	154	4	indicates	indicate	VERB
fsr-3163	154	5	a	a	DET
fsr-3163	154	6	higher	high	ADJ
fsr-3163	154	7	level	level	NOUN
fsr-3163	154	8	of	of	ADP
fsr-3163	154	9	measured	measure	VERB
fsr-3163	154	10	financial	financial	ADJ
fsr-3163	154	11	well	well	NOUN
fsr-3163	154	12	-	-	PUNCT
fsr-3163	154	13	being	being	NOUN
fsr-3163	154	14	,	,	PUNCT
fsr-3163	154	15	but	but	CCONJ
fsr-3163	154	16	there	there	PRON
fsr-3163	154	17	is	be	VERB
fsr-3163	154	18	no	no	DET
fsr-3163	154	19	specific	specific	ADJ
fsr-3163	154	20	cutoff	cutoff	NOUN
fsr-3163	154	21	score	score	NOUN
fsr-3163	154	22	for	for	ADP
fsr-3163	154	23	table	table	NOUN
fsr-3163	154	24	1	1	NUM
fsr-3163	154	25	descriptive	descriptive	ADJ
fsr-3163	154	26	statistics	statistic	NOUN
fsr-3163	154	27	of	of	ADP
fsr-3163	154	28	the	the	DET
fsr-3163	154	29	weighted	weight	VERB
fsr-3163	154	30	sample	sample	NOUN
fsr-3163	154	31	overall	overall	ADJ
fsr-3163	154	32	sample	sample	NOUN
fsr-3163	154	33	(	(	PUNCT
fsr-3163	154	34	n	n	NOUN
fsr-3163	154	35	=	=	SYM
fsr-3163	154	36	4,339	4,339	NUM
fsr-3163	154	37	)	)	PUNCT
fsr-3163	155	1	variables	variable	VERB
fsr-3163	155	2	white	white	ADJ
fsr-3163	155	3	americans	americans	PROPN
fsr-3163	155	4	(	(	PUNCT
fsr-3163	155	5	n	n	NOUN
fsr-3163	155	6	=	=	SYM
fsr-3163	155	7	3,070	3,070	NUM
fsr-3163	155	8	)	)	PUNCT
fsr-3163	155	9	african	african	ADJ
fsr-3163	155	10	americans	americans	PROPN
fsr-3163	155	11	(	(	PUNCT
fsr-3163	155	12	n	n	NOUN
fsr-3163	155	13	=	=	SYM
fsr-3163	155	14	407	407	NUM
fsr-3163	155	15	)	)	PUNCT
fsr-3163	155	16	other	other	ADJ
fsr-3163	155	17	americans	americans	PROPN
fsr-3163	155	18	(	(	PUNCT
fsr-3163	155	19	n	n	NOUN
fsr-3163	155	20	=	=	SYM
fsr-3163	155	21	852	852	NUM
fsr-3163	155	22	)	)	PUNCT
fsr-3163	155	23	observations	observation	NOUN
fsr-3163	155	24	%	%	NOUN
fsr-3163	155	25	observations	observation	NOUN
fsr-3163	155	26	%	%	NOUN
fsr-3163	155	27	observations	observation	NOUN
fsr-3163	155	28	%	%	VERB
fsr-3163	155	29	financial	financial	ADJ
fsr-3163	155	30	well	well	NOUN
fsr-3163	155	31	-	-	PUNCT
fsr-3163	155	32	being	be	AUX
fsr-3163	155	33	(	(	PUNCT
fsr-3163	155	34	fwb	fwb	ADJ
fsr-3163	155	35	)	)	PUNCT
fsr-3163	155	36	low	low	ADJ
fsr-3163	155	37	fwb	fwb	PROPN
fsr-3163	155	38	753	753	NUM
fsr-3163	155	39	24.5	24.5	NUM
fsr-3163	155	40	123	123	NUM
fsr-3163	155	41	30.2	30.2	NUM
fsr-3163	155	42	277	277	NUM
fsr-3163	155	43	32.2	32.2	NUM
fsr-3163	155	44	average	average	ADJ
fsr-3163	155	45	fwb	fwb	PROPN
fsr-3163	155	46	1,030	1,030	NUM
fsr-3163	155	47	33.6	33.6	NUM
fsr-3163	155	48	142	142	NUM
fsr-3163	155	49	34.9	34.9	NUM
fsr-3163	155	50	336	336	NUM
fsr-3163	155	51	39.0	39.0	NUM
fsr-3163	155	52	high	high	ADJ
fsr-3163	155	53	fwb	fwb	PROPN
fsr-3163	155	54	1,287	1,287	NUM
fsr-3163	155	55	41.9	41.9	NUM
fsr-3163	155	56	142	142	NUM
fsr-3163	155	57	34.9	34.9	NUM
fsr-3163	155	58	249	249	NUM
fsr-3163	155	59	28.8	28.8	NUM
fsr-3163	155	60	household	household	NOUN
fsr-3163	155	61	income	income	NOUN
fsr-3163	155	62	$	$	SYM
fsr-3163	155	63	40,000–49,999	40,000–49,999	NOUN
fsr-3163	155	64	268	268	NUM
fsr-3163	155	65	8.7	8.7	NUM
fsr-3163	155	66	55	55	NUM
fsr-3163	155	67	13.5	13.5	NUM
fsr-3163	155	68	107	107	NUM
fsr-3163	155	69	12.4	12.4	NUM
fsr-3163	155	70	$	$	SYM
fsr-3163	155	71	50,000–59,999	50,000–59,999	NUM
fsr-3163	155	72	318	318	NUM
fsr-3163	155	73	10.4	10.4	NUM
fsr-3163	155	74	67	67	NUM
fsr-3163	155	75	16.5	16.5	NUM
fsr-3163	155	76	96	96	NUM
fsr-3163	155	77	11.1	11.1	NUM
fsr-3163	155	78	$	$	SYM
fsr-3163	155	79	60,000–74,999	60,000–74,999	NUM
fsr-3163	155	80	425	425	NUM
fsr-3163	155	81	13.8	13.8	NUM
fsr-3163	155	82	51	51	NUM
fsr-3163	155	83	12.6	12.6	NUM
fsr-3163	155	84	118	118	NUM
fsr-3163	155	85	13.7	13.7	NUM
fsr-3163	155	86	$	$	SYM
fsr-3163	155	87	75,000–99,999	75,000–99,999	NUM
fsr-3163	155	88	591	591	NUM
fsr-3163	155	89	19.2	19.2	NUM
fsr-3163	155	90	80	80	NUM
fsr-3163	155	91	19.7	19.7	NUM
fsr-3163	155	92	179	179	NUM
fsr-3163	155	93	20.8	20.8	NUM
fsr-3163	155	94	$	$	SYM
fsr-3163	155	95	100,000–149,999	100,000–149,999	NUM
fsr-3163	155	96	755	755	NUM
fsr-3163	155	97	24.6	24.6	NUM
fsr-3163	155	98	79	79	NUM
fsr-3163	155	99	19.5	19.5	NUM
fsr-3163	155	100	183	183	NUM
fsr-3163	155	101	21.2	21.2	NUM
fsr-3163	155	102	$	$	SYM
fsr-3163	155	103	150,000	150,000	NUM
fsr-3163	155	104	or	or	CCONJ
fsr-3163	155	105	more	more	ADJ
fsr-3163	155	106	713	713	NUM
fsr-3163	155	107	23.3	23.3	NUM
fsr-3163	155	108	75	75	NUM
fsr-3163	155	109	18.2	18.2	NUM
fsr-3163	155	110	179	179	NUM
fsr-3163	155	111	20.8	20.8	NUM
fsr-3163	155	112	gender	gender	NOUN
fsr-3163	155	113	male	male	NOUN
fsr-3163	155	114	1,505	1,505	NUM
fsr-3163	155	115	49.0	49.0	NUM
fsr-3163	155	116	164	164	NUM
fsr-3163	155	117	40.3	40.3	NUM
fsr-3163	155	118	448	448	NUM
fsr-3163	155	119	52.0	52.0	NUM
fsr-3163	155	120	female	female	ADJ
fsr-3163	155	121	1,565	1,565	NUM
fsr-3163	155	122	51.0	51.0	NUM
fsr-3163	155	123	243	243	NUM
fsr-3163	155	124	59.7	59.7	NUM
fsr-3163	155	125	414	414	NUM
fsr-3163	155	126	48.0	48.0	NUM
fsr-3163	155	127	age	age	NOUN
fsr-3163	155	128	group	group	NOUN
fsr-3163	155	129	34	34	NUM
fsr-3163	155	130	and	and	CCONJ
fsr-3163	155	131	under	under	ADP
fsr-3163	155	132	862	862	NUM
fsr-3163	155	133	28.1	28.1	NUM
fsr-3163	155	134	133	133	NUM
fsr-3163	155	135	35.5	35.5	NUM
fsr-3163	155	136	382	382	NUM
fsr-3163	155	137	44.3	44.3	NUM
fsr-3163	155	138	35–54	35–54	NUM
fsr-3163	155	139	1,071	1,071	NUM
fsr-3163	155	140	34.8	34.8	NUM
fsr-3163	155	141	161	161	NUM
fsr-3163	155	142	39.7	39.7	NUM
fsr-3163	155	143	310	310	NUM
fsr-3163	155	144	36.0	36.0	NUM
fsr-3163	155	145	55–69	55–69	NUM
fsr-3163	155	146	767	767	NUM
fsr-3163	155	147	25.0	25.0	NUM
fsr-3163	155	148	83	83	NUM
fsr-3163	155	149	20.4	20.4	NUM
fsr-3163	155	150	134	134	NUM
fsr-3163	155	151	15.5	15.5	NUM
fsr-3163	155	152	70	70	NUM
fsr-3163	155	153	and	and	CCONJ
fsr-3163	155	154	over	over	ADP
fsr-3163	155	155	370	370	NUM
fsr-3163	155	156	12.1	12.1	NUM
fsr-3163	155	157	30	30	NUM
fsr-3163	155	158	7.4	7.4	NUM
fsr-3163	155	159	36	36	NUM
fsr-3163	155	160	4.2	4.2	NUM
fsr-3163	155	161	marital	marital	ADJ
fsr-3163	155	162	status	status	NOUN
fsr-3163	155	163	unmarried	unmarrie	VERB
fsr-3163	155	164	838	838	NUM
fsr-3163	155	165	27.3	27.3	NUM
fsr-3163	155	166	172	172	NUM
fsr-3163	155	167	42.3	42.3	NUM
fsr-3163	155	168	323	323	NUM
fsr-3163	155	169	37.5	37.5	NUM
fsr-3163	155	170	married	marry	VERB
fsr-3163	155	171	2,232	2,232	NUM
fsr-3163	155	172	72.7	72.7	NUM
fsr-3163	155	173	235	235	NUM
fsr-3163	155	174	57.7	57.7	NUM
fsr-3163	155	175	539	539	NUM
fsr-3163	155	176	62.5	62.5	NUM
fsr-3163	155	177	education	education	NOUN
fsr-3163	155	178	level	level	NOUN
fsr-3163	155	179	some	some	DET
fsr-3163	155	180	college	college	NOUN
fsr-3163	155	181	or	or	CCONJ
fsr-3163	155	182	less	less	ADJ
fsr-3163	155	183	1,772	1,772	NUM
fsr-3163	155	184	57.7	57.7	NUM
fsr-3163	155	185	230	230	NUM
fsr-3163	155	186	56.5	56.5	NUM
fsr-3163	155	187	541	541	NUM
fsr-3163	155	188	62.8	62.8	NUM
fsr-3163	155	189	college	college	NOUN
fsr-3163	155	190	degree	degree	NOUN
fsr-3163	155	191	799	799	NUM
fsr-3163	155	192	26.0	26.0	NUM
fsr-3163	155	193	107	107	NUM
fsr-3163	155	194	26.3	26.3	NUM
fsr-3163	155	195	215	215	NUM
fsr-3163	155	196	24.9	24.9	NUM
fsr-3163	155	197	post	post	ADJ
fsr-3163	155	198	-	-	ADJ
fsr-3163	155	199	graduate	graduate	ADJ
fsr-3163	155	200	degree	degree	NOUN
fsr-3163	155	201	499	499	NUM
fsr-3163	155	202	16.3	16.3	NUM
fsr-3163	155	203	70	70	NUM
fsr-3163	155	204	17.2	17.2	NUM
fsr-3163	155	205	106	106	NUM
fsr-3163	155	206	12.3	12.3	NUM
fsr-3163	155	207	employment	employment	NOUN
fsr-3163	155	208	status	status	NOUN
fsr-3163	155	209	self	self	NOUN
fsr-3163	155	210	-	-	PUNCT
fsr-3163	155	211	employed	employ	VERB
fsr-3163	155	212	193	193	NUM
fsr-3163	155	213	6.3	6.3	NUM
fsr-3163	155	214	21	21	NUM
fsr-3163	155	215	5.2	5.2	NUM
fsr-3163	155	216	74	74	NUM
fsr-3163	155	217	8.6	8.6	NUM
fsr-3163	155	218	full	full	ADJ
fsr-3163	155	219	-	-	PUNCT
fsr-3163	155	220	time	time	NOUN
fsr-3163	155	221	1,531	1,531	NUM
fsr-3163	155	222	49.9	49.9	NUM
fsr-3163	155	223	242	242	NUM
fsr-3163	155	224	59.4	59.4	NUM
fsr-3163	155	225	432	432	NUM
fsr-3163	155	226	50.1	50.1	NUM
fsr-3163	155	227	retired	retire	VERB
fsr-3163	155	228	617	617	NUM
fsr-3163	155	229	20.1	20.1	NUM
fsr-3163	155	230	59	59	NUM
fsr-3163	155	231	14.5	14.5	NUM
fsr-3163	155	232	77	77	NUM
fsr-3163	155	233	8.9	8.9	NUM
fsr-3163	155	234	other	other	ADJ
fsr-3163	155	235	729	729	NUM
fsr-3163	155	236	23.7	23.7	NUM
fsr-3163	155	237	85	85	NUM
fsr-3163	155	238	20.9	20.9	NUM
fsr-3163	155	239	279	279	NUM
fsr-3163	155	240	32.4	32.4	NUM
fsr-3163	155	241	328	328	NUM
fsr-3163	155	242	c.	c.	PROPN
fsr-3163	155	243	w.	w.	PROPN
fsr-3163	155	244	copeland	copeland	PROPN
fsr-3163	155	245	et	et	PROPN
fsr-3163	155	246	al	al	PROPN
fsr-3163	155	247	.	.	PUNCT
fsr-3163	155	248	/	/	SYM
fsr-3163	155	249	financial	financial	ADJ
fsr-3163	155	250	services	service	NOUN
fsr-3163	155	251	review	review	VERB
fsr-3163	155	252	30	30	NUM
fsr-3163	155	253	(	(	PUNCT
fsr-3163	155	254	2022	2022	NUM
fsr-3163	155	255	)	)	PUNCT
fsr-3163	156	1	321–336	321–336	NUM
fsr-3163	156	2	a	a	DET
fsr-3163	156	3	“	"	PUNCT
fsr-3163	156	4	good	good	ADJ
fsr-3163	156	5	”	"	PUNCT
fsr-3163	156	6	or	or	CCONJ
fsr-3163	156	7	a	a	DET
fsr-3163	156	8	“	"	PUNCT
fsr-3163	156	9	poor	poor	ADJ
fsr-3163	156	10	”	"	PUNCT
fsr-3163	156	11	score	score	NOUN
fsr-3163	156	12	.	.	PUNCT
fsr-3163	157	1	the	the	DET
fsr-3163	157	2	respondents	respondent	NOUN
fsr-3163	157	3	were	be	AUX
fsr-3163	157	4	classified	classify	VERB
fsr-3163	157	5	into	into	ADP
fsr-3163	157	6	three	three	NUM
fsr-3163	157	7	categories	category	NOUN
fsr-3163	157	8	,	,	PUNCT
fsr-3163	157	9	namely	namely	ADV
fsr-3163	157	10	low	low	ADJ
fsr-3163	157	11	financial	financial	ADJ
fsr-3163	157	12	well	well	NOUN
fsr-3163	157	13	-	-	PUNCT
fsr-3163	157	14	being	be	AUX
fsr-3163	157	15	(	(	PUNCT
fsr-3163	157	16	0–49.9	0–49.9	NUM
fsr-3163	157	17	)	)	PUNCT
fsr-3163	157	18	,	,	PUNCT
fsr-3163	157	19	average	average	ADJ
fsr-3163	157	20	financial	financial	ADJ
fsr-3163	157	21	well	well	NOUN
fsr-3163	157	22	-	-	PUNCT
fsr-3163	157	23	being	be	AUX
fsr-3163	157	24	(	(	PUNCT
fsr-3163	157	25	50–60.9	50–60.9	NOUN
fsr-3163	157	26	)	)	PUNCT
fsr-3163	157	27	,	,	PUNCT
fsr-3163	157	28	and	and	CCONJ
fsr-3163	157	29	high	high	ADJ
fsr-3163	157	30	financial	financial	ADJ
fsr-3163	157	31	well	well	NOUN
fsr-3163	157	32	-	-	PUNCT
fsr-3163	157	33	being	be	AUX
fsr-3163	157	34	(	(	PUNCT
fsr-3163	157	35	61–100	61–100	PROPN
fsr-3163	157	36	)	)	PUNCT
fsr-3163	157	37	;	;	PUNCT
fsr-3163	157	38	(	(	PUNCT
fsr-3163	157	39	consumer	consumer	NOUN
fsr-3163	157	40	financial	financial	PROPN
fsr-3163	157	41	protection	protection	PROPN
fsr-3163	157	42	bureau	bureau	PROPN
fsr-3163	157	43	,	,	PUNCT
fsr-3163	157	44	2015	2015	NUM
fsr-3163	157	45	,	,	PUNCT
fsr-3163	157	46	2017	2017	NUM
fsr-3163	157	47	)	)	PUNCT
fsr-3163	157	48	.	.	PUNCT
fsr-3163	158	1	in	in	ADP
fsr-3163	158	2	this	this	DET
fsr-3163	158	3	study	study	NOUN
fsr-3163	158	4	,	,	PUNCT
fsr-3163	158	5	financial	financial	ADJ
fsr-3163	158	6	well	well	NOUN
fsr-3163	158	7	-	-	PUNCT
fsr-3163	158	8	being	being	NOUN
fsr-3163	158	9	is	be	AUX
fsr-3163	158	10	the	the	DET
fsr-3163	158	11	dependent	dependent	ADJ
fsr-3163	158	12	variable	variable	NOUN
fsr-3163	158	13	.	.	PUNCT
fsr-3163	159	1	it	it	PRON
fsr-3163	159	2	was	be	AUX
fsr-3163	159	3	converted	convert	VERB
fsr-3163	159	4	into	into	ADP
fsr-3163	159	5	an	an	DET
fsr-3163	159	6	ordinal	ordinal	ADJ
fsr-3163	159	7	qualitative	qualitative	ADJ
fsr-3163	159	8	variable	variable	NOUN
fsr-3163	159	9	using	use	VERB
fsr-3163	159	10	the	the	DET
fsr-3163	159	11	visual	visual	ADJ
fsr-3163	159	12	binning	binning	NOUN
fsr-3163	159	13	technique	technique	NOUN
fsr-3163	159	14	to	to	PART
fsr-3163	159	15	identify	identify	VERB
fsr-3163	159	16	appropriate	appropriate	ADJ
fsr-3163	159	17	cutoff	cutoff	NOUN
fsr-3163	159	18	points	point	NOUN
fsr-3163	159	19	to	to	PART
fsr-3163	159	20	break	break	VERB
fsr-3163	159	21	the	the	DET
fsr-3163	159	22	variables	variable	NOUN
fsr-3163	159	23	into	into	ADP
fsr-3163	159	24	three	three	NUM
fsr-3163	159	25	approximately	approximately	ADV
fsr-3163	159	26	equal	equal	ADJ
fsr-3163	159	27	groups	group	NOUN
fsr-3163	159	28	.	.	PUNCT
fsr-3163	160	1	equal	equal	ADJ
fsr-3163	160	2	percentiles	percentile	NOUN
fsr-3163	160	3	were	be	AUX
fsr-3163	160	4	used	use	VERB
fsr-3163	160	5	based	base	VERB
fsr-3163	160	6	on	on	ADP
fsr-3163	160	7	the	the	DET
fsr-3163	160	8	scanned	scan	VERB
fsr-3163	160	9	cases	case	NOUN
fsr-3163	160	10	(	(	PUNCT
fsr-3163	160	11	equal	equal	ADJ
fsr-3163	160	12	intervals	interval	NOUN
fsr-3163	160	13	with	with	ADP
fsr-3163	160	14	two	two	NUM
fsr-3163	160	15	cutoff	cutoff	NOUN
fsr-3163	160	16	points	point	NOUN
fsr-3163	160	17	)	)	PUNCT
fsr-3163	160	18	.	.	PUNCT
fsr-3163	161	1	thus	thus	ADV
fsr-3163	161	2	,	,	PUNCT
fsr-3163	161	3	this	this	DET
fsr-3163	161	4	study	study	NOUN
fsr-3163	161	5	considered	consider	VERB
fsr-3163	161	6	the	the	DET
fsr-3163	161	7	dependent	dependent	ADJ
fsr-3163	161	8	variable	variable	NOUN
fsr-3163	161	9	a	a	DET
fsr-3163	161	10	multinomial	multinomial	ADJ
fsr-3163	161	11	ordinal	ordinal	ADJ
fsr-3163	161	12	-	-	PUNCT
fsr-3163	161	13	dependent	dependent	ADJ
fsr-3163	161	14	variable	variable	NOUN
fsr-3163	161	15	(	(	PUNCT
fsr-3163	161	16	1	1	NUM
fsr-3163	161	17	=	=	SYM
fsr-3163	161	18	low	low	ADJ
fsr-3163	161	19	,	,	PUNCT
fsr-3163	161	20	2	2	NUM
fsr-3163	161	21	=	=	SYM
fsr-3163	161	22	average	average	ADJ
fsr-3163	161	23	,	,	PUNCT
fsr-3163	161	24	and	and	CCONJ
fsr-3163	161	25	3	3	NUM
fsr-3163	161	26	=	=	NOUN
fsr-3163	161	27	high	high	ADJ
fsr-3163	161	28	;	;	PUNCT
fsr-3163	161	29	lobos	lobos	PROPN
fsr-3163	161	30	et	et	PROPN
fsr-3163	161	31	al	al	PROPN
fsr-3163	161	32	.	.	PROPN
fsr-3163	161	33	,	,	PUNCT
fsr-3163	161	34	2016	2016	NUM
fsr-3163	161	35	;	;	PUNCT
fsr-3163	161	36	nielsen	nielsen	PROPN
fsr-3163	161	37	,	,	PUNCT
fsr-3163	161	38	2015	2015	NUM
fsr-3163	161	39	)	)	PUNCT
fsr-3163	161	40	.	.	PUNCT
fsr-3163	162	1	6.2	6.2	NUM
fsr-3163	162	2	.	.	PUNCT
fsr-3163	163	1	independent	independent	ADJ
fsr-3163	163	2	variables	variable	NOUN
fsr-3163	163	3	the	the	DET
fsr-3163	163	4	primary	primary	ADJ
fsr-3163	163	5	focus	focus	NOUN
fsr-3163	163	6	of	of	ADP
fsr-3163	163	7	this	this	DET
fsr-3163	163	8	research	research	NOUN
fsr-3163	163	9	was	be	AUX
fsr-3163	163	10	homeownership	homeownership	NOUN
fsr-3163	163	11	.	.	PUNCT
fsr-3163	164	1	the	the	DET
fsr-3163	164	2	dataset	dataset	NOUN
fsr-3163	164	3	comprised	comprise	VERB
fsr-3163	164	4	four	four	NUM
fsr-3163	164	5	housing	housing	NOUN
fsr-3163	164	6	groups	group	NOUN
fsr-3163	164	7	:	:	PUNCT
fsr-3163	164	8	owners	owner	NOUN
fsr-3163	164	9	,	,	PUNCT
fsr-3163	164	10	renters	renter	NOUN
fsr-3163	164	11	,	,	PUNCT
fsr-3163	164	12	neither	neither	CCONJ
fsr-3163	164	13	,	,	PUNCT
fsr-3163	164	14	and	and	CCONJ
fsr-3163	164	15	refused	refuse	VERB
fsr-3163	164	16	to	to	PART
fsr-3163	164	17	answer	answer	VERB
fsr-3163	164	18	.	.	PUNCT
fsr-3163	165	1	the	the	DET
fsr-3163	165	2	respondents	respondent	NOUN
fsr-3163	165	3	were	be	AUX
fsr-3163	165	4	coded	code	VERB
fsr-3163	165	5	as	as	ADP
fsr-3163	165	6	1	1	NUM
fsr-3163	165	7	if	if	SCONJ
fsr-3163	165	8	they	they	PRON
fsr-3163	165	9	were	be	AUX
fsr-3163	165	10	homeowners	homeowner	NOUN
fsr-3163	165	11	and	and	CCONJ
fsr-3163	165	12	0	0	NUM
fsr-3163	165	13	otherwise	otherwise	ADV
fsr-3163	165	14	.	.	PUNCT
fsr-3163	166	1	four	four	NUM
fsr-3163	166	2	demographic	demographic	ADJ
fsr-3163	166	3	characteristics	characteristic	NOUN
fsr-3163	166	4	were	be	AUX
fsr-3163	166	5	included	include	VERB
fsr-3163	166	6	as	as	ADP
fsr-3163	166	7	control	control	NOUN
fsr-3163	166	8	variables	variable	NOUN
fsr-3163	166	9	in	in	ADP
fsr-3163	166	10	the	the	DET
fsr-3163	166	11	analysis	analysis	NOUN
fsr-3163	166	12	.	.	PUNCT
fsr-3163	167	1	age	age	NOUN
fsr-3163	167	2	group	group	NOUN
fsr-3163	167	3	,	,	PUNCT
fsr-3163	167	4	education	education	NOUN
fsr-3163	167	5	level	level	NOUN
fsr-3163	167	6	,	,	PUNCT
fsr-3163	167	7	gender	gender	NOUN
fsr-3163	167	8	,	,	PUNCT
fsr-3163	167	9	and	and	CCONJ
fsr-3163	167	10	employment	employment	NOUN
fsr-3163	167	11	status	status	NOUN
fsr-3163	167	12	were	be	AUX
fsr-3163	167	13	coded	code	VERB
fsr-3163	167	14	as	as	ADP
fsr-3163	167	15	several	several	ADJ
fsr-3163	167	16	binary	binary	ADJ
fsr-3163	167	17	variables	variable	NOUN
fsr-3163	167	18	:	:	PUNCT
fsr-3163	167	19	34	34	NUM
fsr-3163	167	20	and	and	CCONJ
fsr-3163	167	21	under	under	ADV
fsr-3163	167	22	,	,	PUNCT
fsr-3163	167	23	35–54	35–54	NUM
fsr-3163	167	24	,	,	PUNCT
fsr-3163	167	25	55–69	55–69	NUM
fsr-3163	167	26	,	,	PUNCT
fsr-3163	167	27	and	and	CCONJ
fsr-3163	167	28	70	70	NUM
fsr-3163	167	29	and	and	CCONJ
fsr-3163	167	30	over	over	ADV
fsr-3163	167	31	;	;	PUNCT
fsr-3163	167	32	some	some	DET
fsr-3163	167	33	college	college	NOUN
fsr-3163	167	34	or	or	CCONJ
fsr-3163	167	35	less	less	ADJ
fsr-3163	167	36	,	,	PUNCT
fsr-3163	167	37	college	college	NOUN
fsr-3163	167	38	degree	degree	NOUN
fsr-3163	167	39	,	,	PUNCT
fsr-3163	167	40	and	and	CCONJ
fsr-3163	167	41	post	post	ADJ
fsr-3163	167	42	-	-	ADJ
fsr-3163	167	43	graduate	graduate	ADJ
fsr-3163	167	44	degree	degree	NOUN
fsr-3163	167	45	;	;	PUNCT
fsr-3163	167	46	self	self	NOUN
fsr-3163	167	47	-	-	PUNCT
fsr-3163	167	48	employed	employ	VERB
fsr-3163	167	49	,	,	PUNCT
fsr-3163	167	50	full	full	ADJ
fsr-3163	167	51	-	-	PUNCT
fsr-3163	167	52	time	time	NOUN
fsr-3163	167	53	,	,	PUNCT
fsr-3163	167	54	retired	retire	VERB
fsr-3163	167	55	,	,	PUNCT
fsr-3163	167	56	and	and	CCONJ
fsr-3163	167	57	not	not	PART
fsr-3163	167	58	employed	employ	VERB
fsr-3163	167	59	,	,	PUNCT
fsr-3163	167	60	respectively	respectively	ADV
fsr-3163	167	61	.	.	PUNCT
fsr-3163	168	1	the	the	DET
fsr-3163	168	2	70	70	NUM
fsr-3163	168	3	and	and	CCONJ
fsr-3163	168	4	over	over	ADP
fsr-3163	168	5	variable	variable	NOUN
fsr-3163	168	6	was	be	AUX
fsr-3163	168	7	the	the	DET
fsr-3163	168	8	reference	reference	NOUN
fsr-3163	168	9	group	group	NOUN
fsr-3163	168	10	for	for	ADP
fsr-3163	168	11	the	the	DET
fsr-3163	168	12	age	age	NOUN
fsr-3163	168	13	group	group	NOUN
fsr-3163	168	14	;	;	PUNCT
fsr-3163	168	15	the	the	DET
fsr-3163	168	16	post	post	ADJ
fsr-3163	168	17	-	-	ADJ
fsr-3163	168	18	graduate	graduate	ADJ
fsr-3163	168	19	degree	degree	NOUN
fsr-3163	168	20	variable	variable	NOUN
fsr-3163	168	21	was	be	AUX
fsr-3163	168	22	the	the	DET
fsr-3163	168	23	reference	reference	NOUN
fsr-3163	168	24	group	group	NOUN
fsr-3163	168	25	for	for	ADP
fsr-3163	168	26	education	education	NOUN
fsr-3163	168	27	level	level	NOUN
fsr-3163	168	28	,	,	PUNCT
fsr-3163	168	29	and	and	CCONJ
fsr-3163	168	30	the	the	DET
fsr-3163	168	31	not	not	PART
fsr-3163	168	32	employed	employ	VERB
fsr-3163	168	33	variable	variable	NOUN
fsr-3163	168	34	was	be	AUX
fsr-3163	168	35	the	the	DET
fsr-3163	168	36	reference	reference	NOUN
fsr-3163	168	37	group	group	NOUN
fsr-3163	168	38	for	for	ADP
fsr-3163	168	39	employment	employment	NOUN
fsr-3163	168	40	status	status	NOUN
fsr-3163	168	41	.	.	PUNCT
fsr-3163	169	1	gender	gender	NOUN
fsr-3163	169	2	was	be	AUX
fsr-3163	169	3	dichotomized	dichotomize	VERB
fsr-3163	169	4	and	and	CCONJ
fsr-3163	169	5	defined	define	VERB
fsr-3163	169	6	as	as	ADP
fsr-3163	169	7	male	male	NOUN
fsr-3163	169	8	=	=	SYM
fsr-3163	169	9	1	1	NUM
fsr-3163	169	10	and	and	CCONJ
fsr-3163	169	11	female	female	ADJ
fsr-3163	169	12	=	=	NOUN
fsr-3163	169	13	0	0	NUM
fsr-3163	169	14	.	.	PUNCT
fsr-3163	170	1	the	the	DET
fsr-3163	170	2	financial	financial	ADJ
fsr-3163	170	3	security	security	NOUN
fsr-3163	170	4	variables	variable	NOUN
fsr-3163	170	5	were	be	AUX
fsr-3163	170	6	defined	define	VERB
fsr-3163	170	7	to	to	PART
fsr-3163	170	8	reflect	reflect	VERB
fsr-3163	170	9	the	the	DET
fsr-3163	170	10	conceptual	conceptual	ADJ
fsr-3163	170	11	framework	framework	NOUN
fsr-3163	170	12	.	.	PUNCT
fsr-3163	171	1	household	household	NOUN
fsr-3163	171	2	savings	saving	NOUN
fsr-3163	171	3	was	be	AUX
fsr-3163	171	4	based	base	VERB
fsr-3163	171	5	on	on	ADP
fsr-3163	171	6	a	a	DET
fsr-3163	171	7	single	single	ADJ
fsr-3163	171	8	question	question	NOUN
fsr-3163	171	9	,	,	PUNCT
fsr-3163	171	10	with	with	ADP
fsr-3163	171	11	the	the	DET
fsr-3163	171	12	responses	response	NOUN
fsr-3163	171	13	measured	measure	VERB
fsr-3163	171	14	on	on	ADP
fsr-3163	171	15	a	a	DET
fsr-3163	171	16	scale	scale	NOUN
fsr-3163	171	17	from	from	ADP
fsr-3163	171	18	1	1	NUM
fsr-3163	171	19	(	(	PUNCT
fsr-3163	171	20	$	$	SYM
fsr-3163	171	21	0	0	NUM
fsr-3163	171	22	saved	save	VERB
fsr-3163	171	23	)	)	PUNCT
fsr-3163	171	24	to	to	ADP
fsr-3163	171	25	7	7	NUM
fsr-3163	171	26	(	(	PUNCT
fsr-3163	171	27	$	$	SYM
fsr-3163	171	28	75,000	75,000	NUM
fsr-3163	171	29	or	or	CCONJ
fsr-3163	171	30	more	more	ADJ
fsr-3163	171	31	)	)	PUNCT
fsr-3163	171	32	.	.	PUNCT
fsr-3163	172	1	student	student	NOUN
fsr-3163	172	2	loan	loan	NOUN
fsr-3163	172	3	(	(	PUNCT
fsr-3163	172	4	the	the	DET
fsr-3163	172	5	subjectively	subjectively	ADV
fsr-3163	172	6	assessed	assess	VERB
fsr-3163	172	7	probably	probably	ADV
fsr-3163	172	8	have	have	VERB
fsr-3163	172	9	variable	variable	NOUN
fsr-3163	172	10	)	)	PUNCT
fsr-3163	172	11	was	be	AUX
fsr-3163	172	12	based	base	VERB
fsr-3163	172	13	on	on	ADP
fsr-3163	172	14	the	the	DET
fsr-3163	172	15	responses	response	NOUN
fsr-3163	173	1	yes	yes	INTJ
fsr-3163	173	2	=	=	SYM
fsr-3163	173	3	1	1	NUM
fsr-3163	173	4	and	and	CCONJ
fsr-3163	173	5	no	no	PRON
fsr-3163	173	6	=	=	NOUN
fsr-3163	173	7	0	0	NUM
fsr-3163	173	8	.	.	PUNCT
fsr-3163	174	1	non	non	ADJ
fsr-3163	174	2	-	-	ADJ
fsr-3163	174	3	retirement	retirement	ADJ
fsr-3163	174	4	investments	investment	NOUN
fsr-3163	174	5	(	(	PUNCT
fsr-3163	174	6	the	the	DET
fsr-3163	174	7	subjectively	subjectively	ADV
fsr-3163	174	8	assessed	assess	VERB
fsr-3163	174	9	probably	probably	ADV
fsr-3163	174	10	have	have	VERB
fsr-3163	174	11	variable	variable	NOUN
fsr-3163	174	12	)	)	PUNCT
fsr-3163	174	13	were	be	AUX
fsr-3163	174	14	based	base	VERB
fsr-3163	174	15	on	on	ADP
fsr-3163	174	16	a	a	DET
fsr-3163	174	17	question	question	NOUN
fsr-3163	174	18	with	with	ADP
fsr-3163	174	19	the	the	DET
fsr-3163	174	20	responses	response	NOUN
fsr-3163	175	1	yes	yes	INTJ
fsr-3163	175	2	=	=	SYM
fsr-3163	175	3	1	1	NUM
fsr-3163	175	4	and	and	CCONJ
fsr-3163	175	5	no	no	PRON
fsr-3163	176	1	=	=	NOUN
fsr-3163	176	2	0	0	NUM
fsr-3163	176	3	.	.	PUNCT
fsr-3163	177	1	retirement	retirement	NOUN
fsr-3163	177	2	investments	investment	NOUN
fsr-3163	177	3	(	(	PUNCT
fsr-3163	177	4	the	the	DET
fsr-3163	177	5	subjectively	subjectively	ADV
fsr-3163	177	6	assessed	assess	VERB
fsr-3163	177	7	probably	probably	ADV
fsr-3163	177	8	have	have	VERB
fsr-3163	177	9	variable	variable	NOUN
fsr-3163	177	10	)	)	PUNCT
fsr-3163	177	11	were	be	AUX
fsr-3163	177	12	based	base	VERB
fsr-3163	177	13	on	on	ADP
fsr-3163	177	14	a	a	DET
fsr-3163	177	15	question	question	NOUN
fsr-3163	177	16	with	with	ADP
fsr-3163	177	17	the	the	DET
fsr-3163	177	18	responses	response	NOUN
fsr-3163	178	1	yes	yes	INTJ
fsr-3163	178	2	=	=	SYM
fsr-3163	178	3	1	1	NUM
fsr-3163	178	4	and	and	CCONJ
fsr-3163	178	5	no	no	PRON
fsr-3163	178	6	=	=	NOUN
fsr-3163	178	7	0	0	NUM
fsr-3163	178	8	.	.	PUNCT
fsr-3163	179	1	the	the	DET
fsr-3163	179	2	financial	financial	ADJ
fsr-3163	179	3	knowledge	knowledge	NOUN
fsr-3163	179	4	scale	scale	NOUN
fsr-3163	179	5	(	(	PUNCT
fsr-3163	179	6	the	the	DET
fsr-3163	179	7	objectively	objectively	ADV
fsr-3163	179	8	assessed	assessed	ADJ
fsr-3163	179	9	financial	financial	ADJ
fsr-3163	179	10	knowledge	knowledge	NOUN
fsr-3163	179	11	)	)	PUNCT
fsr-3163	179	12	was	be	AUX
fsr-3163	179	13	based	base	VERB
fsr-3163	179	14	on	on	ADP
fsr-3163	179	15	the	the	DET
fsr-3163	179	16	number	number	NOUN
fsr-3163	179	17	of	of	ADP
fsr-3163	179	18	correct	correct	ADJ
fsr-3163	179	19	answers	answer	NOUN
fsr-3163	179	20	to	to	ADP
fsr-3163	179	21	the	the	DET
fsr-3163	179	22	nine	nine	NUM
fsr-3163	179	23	questions	question	NOUN
fsr-3163	179	24	formulated	formulate	VERB
fsr-3163	179	25	by	by	ADP
fsr-3163	179	26	houts	hout	NOUN
fsr-3163	179	27	and	and	CCONJ
fsr-3163	179	28	knoll	knoll	NOUN
fsr-3163	179	29	(	(	PUNCT
fsr-3163	179	30	2020	2020	NUM
fsr-3163	179	31	)	)	PUNCT
fsr-3163	179	32	.	.	PUNCT
fsr-3163	180	1	6.3	6.3	NUM
fsr-3163	180	2	.	.	PUNCT
fsr-3163	180	3	model	model	NOUN
fsr-3163	180	4	specifications	specification	NOUN
fsr-3163	180	5	a	a	DET
fsr-3163	180	6	multinomial	multinomial	ADJ
fsr-3163	180	7	logistic	logistic	ADJ
fsr-3163	180	8	regression	regression	NOUN
fsr-3163	180	9	model	model	NOUN
fsr-3163	180	10	was	be	AUX
fsr-3163	180	11	used	use	VERB
fsr-3163	180	12	in	in	ADP
fsr-3163	180	13	this	this	DET
fsr-3163	180	14	study	study	NOUN
fsr-3163	180	15	.	.	PUNCT
fsr-3163	181	1	the	the	DET
fsr-3163	181	2	financial	financial	ADJ
fsr-3163	181	3	well	well	ADV
fsr-3163	181	4	-	-	PUNCT
fsr-3163	181	5	being	being	NOUN
fsr-3163	181	6	level	level	NOUN
fsr-3163	181	7	was	be	AUX
fsr-3163	181	8	assumed	assume	VERB
fsr-3163	181	9	to	to	PART
fsr-3163	181	10	be	be	AUX
fsr-3163	181	11	a	a	DET
fsr-3163	181	12	function	function	NOUN
fsr-3163	181	13	of	of	ADP
fsr-3163	181	14	financial	financial	ADJ
fsr-3163	181	15	security	security	NOUN
fsr-3163	181	16	factors	factor	NOUN
fsr-3163	181	17	,	,	PUNCT
fsr-3163	181	18	including	include	VERB
fsr-3163	181	19	financial	financial	ADJ
fsr-3163	181	20	knowledge	knowledge	NOUN
fsr-3163	181	21	,	,	PUNCT
fsr-3163	181	22	household	household	NOUN
fsr-3163	181	23	savings	saving	NOUN
fsr-3163	181	24	,	,	PUNCT
fsr-3163	181	25	homeownership	homeownership	NOUN
fsr-3163	181	26	,	,	PUNCT
fsr-3163	181	27	and	and	CCONJ
fsr-3163	181	28	investments	investment	NOUN
fsr-3163	181	29	,	,	PUNCT
fsr-3163	181	30	as	as	ADV
fsr-3163	181	31	well	well	ADV
fsr-3163	181	32	as	as	ADP
fsr-3163	181	33	socioeconomic	socioeconomic	ADJ
fsr-3163	181	34	factors	factor	NOUN
fsr-3163	181	35	,	,	PUNCT
fsr-3163	181	36	such	such	ADJ
fsr-3163	181	37	as	as	ADP
fsr-3163	181	38	age	age	NOUN
fsr-3163	181	39	group	group	NOUN
fsr-3163	181	40	,	,	PUNCT
fsr-3163	181	41	marital	marital	ADJ
fsr-3163	181	42	status	status	NOUN
fsr-3163	181	43	,	,	PUNCT
fsr-3163	181	44	education	education	NOUN
fsr-3163	181	45	level	level	NOUN
fsr-3163	181	46	,	,	PUNCT
fsr-3163	181	47	and	and	CCONJ
fsr-3163	181	48	employment	employment	NOUN
fsr-3163	181	49	status	status	NOUN
fsr-3163	181	50	.	.	PUNCT
fsr-3163	182	1	financial	financial	ADJ
fsr-3163	182	2	wellbeing	wellbee	VERB
fsr-3163	182	3	¼	¼	NOUN
fsr-3163	182	4	f	f	PROPN
fsr-3163	182	5	financial	financial	ADJ
fsr-3163	182	6	security	security	NOUN
fsr-3163	182	7	factors	factor	NOUN
fsr-3163	182	8	and	and	CCONJ
fsr-3163	183	1	socioeconomic	socioeconomic	ADJ
fsr-3163	183	2	factorsð	factorsð	NOUN
fsr-3163	183	3	þ	þ	PROPN
fsr-3163	183	4	(	(	PUNCT
fsr-3163	183	5	1	1	NUM
fsr-3163	183	6	)	)	PUNCT
fsr-3163	183	7	c.	c.	PROPN
fsr-3163	183	8	w.	w.	PROPN
fsr-3163	183	9	copeland	copeland	PROPN
fsr-3163	183	10	et	et	PROPN
fsr-3163	183	11	al	al	PROPN
fsr-3163	183	12	.	.	PUNCT
fsr-3163	183	13	/	/	SYM
fsr-3163	183	14	financial	financial	ADJ
fsr-3163	183	15	services	service	NOUN
fsr-3163	183	16	review	review	VERB
fsr-3163	183	17	30	30	NUM
fsr-3163	183	18	(	(	PUNCT
fsr-3163	183	19	2022	2022	NUM
fsr-3163	183	20	)	)	PUNCT
fsr-3163	184	1	321–336	321–336	NUM
fsr-3163	184	2	329	329	NUM
fsr-3163	184	3	logit	logit	NOUN
fsr-3163	184	4	rð	rð	ADP
fsr-3163	184	5	þ	þ	PROPN
fsr-3163	184	6	¼	¼	NOUN
fsr-3163	184	7	log	log	NOUN
fsr-3163	184	8	r	r	NOUN
fsr-3163	184	9	high	high	ADJ
fsr-3163	184	10	well	well	INTJ
fsr-3163	184	11	beingð	beingð	NOUN
fsr-3163	185	1	þ	þ	NOUN
fsr-3163	185	2	r	r	NOUN
fsr-3163	185	3	middle	middle	NOUN
fsr-3163	185	4	well	well	INTJ
fsr-3163	185	5	beingð	beingð	PROPN
fsr-3163	185	6	þ	þ	PROPN
fsr-3163	185	7	�	�	PROPN
fsr-3163	185	8	�	�	PROPN
fsr-3163	185	9	¼	¼	NOUN
fsr-3163	185	10	b	b	PROPN
fsr-3163	185	11	0	0	NUM
fsr-3163	185	12	þ	þ	PROPN
fsr-3163	185	13	b	b	X
fsr-3163	185	14	1x	1x	NUM
fsr-3163	185	15	1	1	NUM
fsr-3163	185	16	þ	þ	SYM
fsr-3163	185	17	b	b	PROPN
fsr-3163	185	18	2x	2x	NUM
fsr-3163	185	19	2	2	NUM
fsr-3163	185	20	þ	þ	PROPN
fsr-3163	185	21	�	�	PROPN
fsr-3163	185	22	�	�	PROPN
fsr-3163	185	23	�	�	PROPN
fsr-3163	185	24	þ	þ	PROPN
fsr-3163	185	25	b	b	PROPN
fsr-3163	185	26	k	k	PROPN
fsr-3163	185	27	xk	xk	PROPN
fsr-3163	185	28	(	(	PUNCT
fsr-3163	185	29	2	2	NUM
fsr-3163	185	30	)	)	PUNCT
fsr-3163	185	31	logit	logit	NOUN
fsr-3163	185	32	rð	rð	PROPN
fsr-3163	185	33	þ	þ	PROPN
fsr-3163	185	34	¼	¼	NOUN
fsr-3163	185	35	log	log	NOUN
fsr-3163	185	36	r	r	NOUN
fsr-3163	185	37	low	low	NOUN
fsr-3163	186	1	well	well	INTJ
fsr-3163	186	2	beingð	beingð	NOUN
fsr-3163	187	1	þ	þ	NOUN
fsr-3163	187	2	r	r	NOUN
fsr-3163	187	3	middle	middle	NOUN
fsr-3163	187	4	well	well	INTJ
fsr-3163	187	5	beingð	beingð	PROPN
fsr-3163	187	6	þ	þ	PROPN
fsr-3163	187	7	�	�	PROPN
fsr-3163	187	8	�	�	PROPN
fsr-3163	187	9	¼	¼	NOUN
fsr-3163	187	10	b	b	PROPN
fsr-3163	187	11	0	0	NUM
fsr-3163	187	12	þ	þ	PROPN
fsr-3163	187	13	b	b	X
fsr-3163	187	14	1x	1x	NUM
fsr-3163	187	15	1	1	NUM
fsr-3163	187	16	þ	þ	SYM
fsr-3163	187	17	b	b	PROPN
fsr-3163	187	18	2x	2x	NUM
fsr-3163	187	19	2	2	NUM
fsr-3163	187	20	þ	þ	PROPN
fsr-3163	187	21	�	�	PROPN
fsr-3163	187	22	�	�	PROPN
fsr-3163	187	23	�	�	PROPN
fsr-3163	187	24	þ	þ	PROPN
fsr-3163	187	25	b	b	PROPN
fsr-3163	187	26	k	k	PROPN
fsr-3163	187	27	xk	xk	PROPN
fsr-3163	187	28	,	,	PUNCT
fsr-3163	187	29	(	(	PUNCT
fsr-3163	187	30	3	3	X
fsr-3163	187	31	)	)	PUNCT
fsr-3163	187	32	where	where	SCONJ
fsr-3163	187	33	b	b	NOUN
fsr-3163	187	34	denotes	denote	VERB
fsr-3163	187	35	a	a	DET
fsr-3163	187	36	vector	vector	NOUN
fsr-3163	187	37	of	of	ADP
fsr-3163	187	38	coefficients	coefficient	NOUN
fsr-3163	187	39	to	to	PART
fsr-3163	187	40	be	be	AUX
fsr-3163	187	41	determined	determine	VERB
fsr-3163	187	42	,	,	PUNCT
fsr-3163	187	43	and	and	CCONJ
fsr-3163	187	44	x	x	PRON
fsr-3163	187	45	represents	represent	VERB
fsr-3163	187	46	a	a	DET
fsr-3163	187	47	vector	vector	NOUN
fsr-3163	187	48	of	of	ADP
fsr-3163	187	49	african	african	PROPN
fsr-3163	187	50	americans	americans	PROPN
fsr-3163	187	51	’	’	PART
fsr-3163	187	52	financial	financial	ADJ
fsr-3163	187	53	security	security	NOUN
fsr-3163	187	54	factors	factor	NOUN
fsr-3163	187	55	and	and	CCONJ
fsr-3163	187	56	socioeconomic	socioeconomic	ADJ
fsr-3163	187	57	characteristics	characteristic	NOUN
fsr-3163	187	58	.	.	PUNCT
fsr-3163	188	1	7	7	X
fsr-3163	188	2	.	.	X
fsr-3163	188	3	results	result	VERB
fsr-3163	188	4	7.1	7.1	NUM
fsr-3163	188	5	.	.	PUNCT
fsr-3163	189	1	descriptive	descriptive	ADJ
fsr-3163	189	2	statistics	statistic	NOUN
fsr-3163	189	3	table	table	NOUN
fsr-3163	189	4	1	1	NUM
fsr-3163	189	5	provides	provide	VERB
fsr-3163	189	6	descriptive	descriptive	ADJ
fsr-3163	189	7	statistics	statistic	NOUN
fsr-3163	189	8	of	of	ADP
fsr-3163	189	9	the	the	DET
fsr-3163	189	10	survey	survey	NOUN
fsr-3163	189	11	sample	sample	NOUN
fsr-3163	189	12	set	set	NOUN
fsr-3163	189	13	.	.	PUNCT
fsr-3163	190	1	the	the	DET
fsr-3163	190	2	sample	sample	NOUN
fsr-3163	190	3	comprised	comprise	VERB
fsr-3163	190	4	70.8	70.8	NUM
fsr-3163	190	5	%	%	NOUN
fsr-3163	190	6	white	white	ADJ
fsr-3163	190	7	americans	americans	PROPN
fsr-3163	190	8	,	,	PUNCT
fsr-3163	190	9	9.6	9.6	NUM
fsr-3163	190	10	%	%	NOUN
fsr-3163	190	11	african	african	ADJ
fsr-3163	190	12	americans	americans	PROPN
fsr-3163	190	13	,	,	PUNCT
fsr-3163	190	14	and	and	CCONJ
fsr-3163	190	15	19.6	19.6	NUM
fsr-3163	190	16	%	%	NOUN
fsr-3163	190	17	other	other	ADJ
fsr-3163	190	18	americans	americans	PROPN
fsr-3163	190	19	.	.	PUNCT
fsr-3163	191	1	surprisingly	surprisingly	ADV
fsr-3163	191	2	,	,	PUNCT
fsr-3163	191	3	at	at	ADP
fsr-3163	191	4	the	the	DET
fsr-3163	191	5	middle	middle	ADJ
fsr-3163	191	6	(	(	PUNCT
fsr-3163	191	7	average	average	ADJ
fsr-3163	191	8	)	)	PUNCT
fsr-3163	191	9	financial	financial	ADJ
fsr-3163	191	10	well	well	ADV
fsr-3163	191	11	-	-	PUNCT
fsr-3163	191	12	being	being	NOUN
fsr-3163	191	13	level	level	NOUN
fsr-3163	191	14	,	,	PUNCT
fsr-3163	191	15	white	white	ADJ
fsr-3163	191	16	americans	americans	PROPN
fsr-3163	191	17	had	have	VERB
fsr-3163	191	18	the	the	DET
fsr-3163	191	19	lowest	low	ADJ
fsr-3163	191	20	(	(	PUNCT
fsr-3163	191	21	33.6	33.6	NUM
fsr-3163	191	22	%	%	NOUN
fsr-3163	191	23	)	)	PUNCT
fsr-3163	191	24	percentage	percentage	NOUN
fsr-3163	191	25	compared	compare	VERB
fsr-3163	191	26	with	with	ADP
fsr-3163	191	27	african	african	ADJ
fsr-3163	191	28	americans	americans	PROPN
fsr-3163	191	29	(	(	PUNCT
fsr-3163	191	30	34.9	34.9	NUM
fsr-3163	191	31	%	%	NOUN
fsr-3163	191	32	)	)	PUNCT
fsr-3163	191	33	and	and	CCONJ
fsr-3163	191	34	other	other	ADJ
fsr-3163	191	35	americans	americans	PROPN
fsr-3163	191	36	(	(	PUNCT
fsr-3163	191	37	39	39	NUM
fsr-3163	191	38	%	%	NOUN
fsr-3163	191	39	)	)	PUNCT
fsr-3163	191	40	.	.	PUNCT
fsr-3163	192	1	income	income	NOUN
fsr-3163	192	2	levels	level	NOUN
fsr-3163	192	3	between	between	ADP
fsr-3163	192	4	$	$	SYM
fsr-3163	192	5	100,000	100,000	NUM
fsr-3163	192	6	and	and	CCONJ
fsr-3163	192	7	$	$	SYM
fsr-3163	192	8	149,999	149,999	NUM
fsr-3163	192	9	were	be	AUX
fsr-3163	192	10	the	the	DET
fsr-3163	192	11	highest	high	ADJ
fsr-3163	192	12	represented	represent	VERB
fsr-3163	192	13	group	group	NOUN
fsr-3163	192	14	,	,	PUNCT
fsr-3163	192	15	with	with	ADP
fsr-3163	192	16	about	about	ADV
fsr-3163	192	17	25	25	NUM
fsr-3163	192	18	%	%	NOUN
fsr-3163	192	19	white	white	PROPN
fsr-3163	192	20	americans	americans	PROPN
fsr-3163	192	21	,	,	PUNCT
fsr-3163	192	22	20	20	NUM
fsr-3163	192	23	%	%	NOUN
fsr-3163	192	24	african	african	ADJ
fsr-3163	192	25	americans	americans	PROPN
fsr-3163	192	26	,	,	PUNCT
fsr-3163	192	27	and	and	CCONJ
fsr-3163	192	28	21	21	NUM
fsr-3163	192	29	%	%	NOUN
fsr-3163	192	30	other	other	ADJ
fsr-3163	192	31	americans	americans	PROPN
fsr-3163	192	32	.	.	PUNCT
fsr-3163	193	1	females	female	NOUN
fsr-3163	193	2	dominated	dominate	VERB
fsr-3163	193	3	the	the	DET
fsr-3163	193	4	sample	sample	NOUN
fsr-3163	193	5	set	set	NOUN
fsr-3163	193	6	,	,	PUNCT
fsr-3163	193	7	with	with	ADP
fsr-3163	193	8	51	51	NUM
fsr-3163	193	9	%	%	NOUN
fsr-3163	193	10	white	white	ADJ
fsr-3163	193	11	americans	americans	PROPN
fsr-3163	193	12	and	and	CCONJ
fsr-3163	193	13	59.7	59.7	NUM
fsr-3163	193	14	%	%	NOUN
fsr-3163	193	15	african	african	ADJ
fsr-3163	193	16	americans	americans	PROPN
fsr-3163	193	17	,	,	PUNCT
fsr-3163	193	18	except	except	SCONJ
fsr-3163	193	19	for	for	ADP
fsr-3163	193	20	(	(	PUNCT
fsr-3163	193	21	48	48	NUM
fsr-3163	193	22	%	%	NOUN
fsr-3163	193	23	)	)	PUNCT
fsr-3163	193	24	other	other	ADJ
fsr-3163	193	25	american	american	ADJ
fsr-3163	193	26	households	household	NOUN
fsr-3163	193	27	.	.	PUNCT
fsr-3163	194	1	the	the	DET
fsr-3163	194	2	same	same	ADJ
fsr-3163	194	3	pattern	pattern	NOUN
fsr-3163	194	4	emerged	emerge	VERB
fsr-3163	194	5	in	in	ADP
fsr-3163	194	6	the	the	DET
fsr-3163	194	7	35–54	35–54	NUM
fsr-3163	194	8	age	age	NOUN
fsr-3163	194	9	group	group	NOUN
fsr-3163	194	10	,	,	PUNCT
fsr-3163	194	11	while	while	SCONJ
fsr-3163	194	12	the	the	DET
fsr-3163	194	13	other	other	ADJ
fsr-3163	194	14	americans	americans	PROPN
fsr-3163	194	15	(	(	PUNCT
fsr-3163	194	16	44.3	44.3	NUM
fsr-3163	194	17	%	%	NOUN
fsr-3163	194	18	)	)	PUNCT
fsr-3163	194	19	had	have	VERB
fsr-3163	194	20	a	a	DET
fsr-3163	194	21	higher	high	ADJ
fsr-3163	194	22	share	share	NOUN
fsr-3163	194	23	of	of	ADP
fsr-3163	194	24	the	the	DET
fsr-3163	194	25	34	34	NUM
fsr-3163	194	26	and	and	CCONJ
fsr-3163	194	27	younger	young	ADJ
fsr-3163	194	28	group	group	NOUN
fsr-3163	194	29	.	.	PUNCT
fsr-3163	195	1	most	most	ADJ
fsr-3163	195	2	of	of	ADP
fsr-3163	195	3	the	the	DET
fsr-3163	195	4	respondents	respondent	NOUN
fsr-3163	195	5	were	be	AUX
fsr-3163	195	6	married	married	ADJ
fsr-3163	195	7	,	,	PUNCT
fsr-3163	195	8	comprising	comprise	VERB
fsr-3163	195	9	72.7	72.7	NUM
fsr-3163	195	10	%	%	NOUN
fsr-3163	195	11	white	white	ADJ
fsr-3163	195	12	americans	americans	PROPN
fsr-3163	195	13	,	,	PUNCT
fsr-3163	195	14	57.7	57.7	NUM
fsr-3163	195	15	%	%	NOUN
fsr-3163	195	16	african	african	ADJ
fsr-3163	195	17	americans	americans	PROPN
fsr-3163	195	18	,	,	PUNCT
fsr-3163	195	19	and	and	CCONJ
fsr-3163	195	20	62.5	62.5	NUM
fsr-3163	195	21	%	%	NOUN
fsr-3163	195	22	other	other	ADJ
fsr-3163	195	23	americans	americans	PROPN
fsr-3163	195	24	.	.	PUNCT
fsr-3163	196	1	regarding	regard	VERB
fsr-3163	196	2	education	education	NOUN
fsr-3163	196	3	levels	level	NOUN
fsr-3163	196	4	across	across	ADP
fsr-3163	196	5	all	all	DET
fsr-3163	196	6	groups	group	NOUN
fsr-3163	196	7	,	,	PUNCT
fsr-3163	196	8	having	have	VERB
fsr-3163	196	9	some	some	DET
fsr-3163	196	10	college	college	NOUN
fsr-3163	196	11	education	education	NOUN
fsr-3163	196	12	was	be	AUX
fsr-3163	196	13	the	the	DET
fsr-3163	196	14	most	most	ADV
fsr-3163	196	15	influential	influential	ADJ
fsr-3163	196	16	statistic	statistic	NOUN
fsr-3163	196	17	.	.	PUNCT
fsr-3163	197	1	full	full	ADJ
fsr-3163	197	2	-	-	PUNCT
fsr-3163	197	3	time	time	NOUN
fsr-3163	197	4	employment	employment	NOUN
fsr-3163	197	5	was	be	AUX
fsr-3163	197	6	evenly	evenly	ADV
fsr-3163	197	7	spread	spread	VERB
fsr-3163	197	8	across	across	ADP
fsr-3163	197	9	the	the	DET
fsr-3163	197	10	groups	group	NOUN
fsr-3163	197	11	:	:	PUNCT
fsr-3163	197	12	approximately	approximately	ADV
fsr-3163	197	13	50	50	NUM
fsr-3163	197	14	%	%	NOUN
fsr-3163	197	15	white	white	ADJ
fsr-3163	197	16	americans	americans	PROPN
fsr-3163	197	17	,	,	PUNCT
fsr-3163	197	18	60	60	NUM
fsr-3163	197	19	%	%	NOUN
fsr-3163	197	20	african	african	ADJ
fsr-3163	197	21	americans	americans	PROPN
fsr-3163	197	22	,	,	PUNCT
fsr-3163	197	23	and	and	CCONJ
fsr-3163	197	24	50	50	NUM
fsr-3163	197	25	%	%	NOUN
fsr-3163	197	26	other	other	ADJ
fsr-3163	197	27	americans	americans	PROPN
fsr-3163	197	28	.	.	PUNCT
fsr-3163	198	1	table	table	NOUN
fsr-3163	198	2	2	2	NUM
fsr-3163	198	3	presents	present	VERB
fsr-3163	198	4	the	the	DET
fsr-3163	198	5	multinominal	multinominal	ADJ
fsr-3163	198	6	logistical	logistical	ADJ
fsr-3163	198	7	estimates	estimate	NOUN
fsr-3163	198	8	of	of	ADP
fsr-3163	198	9	the	the	DET
fsr-3163	198	10	likelihood	likelihood	NOUN
fsr-3163	198	11	of	of	ADP
fsr-3163	198	12	obtaining	obtain	VERB
fsr-3163	198	13	a	a	DET
fsr-3163	198	14	low	low	ADJ
fsr-3163	198	15	score	score	NOUN
fsr-3163	198	16	in	in	ADP
fsr-3163	198	17	financial	financial	ADJ
fsr-3163	198	18	well	well	NOUN
fsr-3163	198	19	-	-	PUNCT
fsr-3163	198	20	being	being	NOUN
fsr-3163	198	21	by	by	ADP
fsr-3163	198	22	ethnicity	ethnicity	NOUN
fsr-3163	198	23	group	group	NOUN
fsr-3163	198	24	.	.	PUNCT
fsr-3163	199	1	when	when	SCONJ
fsr-3163	199	2	comparing	compare	VERB
fsr-3163	199	3	the	the	DET
fsr-3163	199	4	average	average	ADJ
fsr-3163	199	5	-	-	PUNCT
fsr-3163	199	6	level	level	NOUN
fsr-3163	199	7	respondents	respondent	NOUN
fsr-3163	199	8	with	with	ADP
fsr-3163	199	9	the	the	DET
fsr-3163	199	10	low	low	ADJ
fsr-3163	199	11	-	-	PUNCT
fsr-3163	199	12	level	level	NOUN
fsr-3163	199	13	respondents	respondent	NOUN
fsr-3163	199	14	,	,	PUNCT
fsr-3163	199	15	no	no	DET
fsr-3163	199	16	significant	significant	ADJ
fsr-3163	199	17	differences	difference	NOUN
fsr-3163	199	18	were	be	AUX
fsr-3163	199	19	discovered	discover	VERB
fsr-3163	199	20	,	,	PUNCT
fsr-3163	199	21	with	with	ADP
fsr-3163	199	22	white	white	ADJ
fsr-3163	199	23	americans	americans	PROPN
fsr-3163	199	24	as	as	ADP
fsr-3163	199	25	the	the	DET
fsr-3163	199	26	reference	reference	NOUN
fsr-3163	199	27	group	group	NOUN
fsr-3163	199	28	.	.	PUNCT
fsr-3163	200	1	more	more	ADV
fsr-3163	200	2	interestingly	interestingly	ADV
fsr-3163	200	3	,	,	PUNCT
fsr-3163	200	4	the	the	DET
fsr-3163	200	5	african	african	PROPN
fsr-3163	200	6	americans	americans	PROPN
fsr-3163	200	7	’	’	PART
fsr-3163	200	8	financial	financial	ADJ
fsr-3163	200	9	well	well	ADV
fsr-3163	200	10	-	-	PUNCT
fsr-3163	200	11	being	being	NOUN
fsr-3163	200	12	level	level	NOUN
fsr-3163	200	13	was	be	AUX
fsr-3163	200	14	significantly	significantly	ADV
fsr-3163	200	15	related	relate	VERB
fsr-3163	200	16	to	to	ADP
fsr-3163	200	17	the	the	DET
fsr-3163	200	18	high	high	ADJ
fsr-3163	200	19	level	level	NOUN
fsr-3163	200	20	among	among	ADP
fsr-3163	200	21	white	white	ADJ
fsr-3163	200	22	americans	americans	PROPN
fsr-3163	200	23	compared	compare	VERB
fsr-3163	200	24	with	with	ADP
fsr-3163	200	25	the	the	DET
fsr-3163	200	26	low	low	ADJ
fsr-3163	200	27	level	level	NOUN
fsr-3163	200	28	among	among	ADP
fsr-3163	200	29	the	the	DET
fsr-3163	200	30	reference	reference	NOUN
fsr-3163	200	31	families	family	NOUN
fsr-3163	200	32	.	.	PUNCT
fsr-3163	201	1	however	however	ADV
fsr-3163	201	2	,	,	PUNCT
fsr-3163	201	3	when	when	SCONJ
fsr-3163	201	4	comparing	compare	VERB
fsr-3163	201	5	the	the	DET
fsr-3163	201	6	likelihood	likelihood	NOUN
fsr-3163	201	7	of	of	ADP
fsr-3163	201	8	obtaining	obtain	VERB
fsr-3163	201	9	a	a	DET
fsr-3163	201	10	high	high	ADJ
fsr-3163	201	11	score	score	NOUN
fsr-3163	201	12	in	in	ADP
fsr-3163	201	13	financial	financial	ADJ
fsr-3163	201	14	well	well	NOUN
fsr-3163	201	15	-	-	PUNCT
fsr-3163	201	16	being	being	NOUN
fsr-3163	201	17	compared	compare	VERB
fsr-3163	201	18	with	with	ADP
fsr-3163	201	19	a	a	DET
fsr-3163	201	20	low	low	ADJ
fsr-3163	201	21	score	score	NOUN
fsr-3163	201	22	,	,	PUNCT
fsr-3163	201	23	african	african	ADJ
fsr-3163	201	24	americans	americans	PROPN
fsr-3163	201	25	comprised	comprise	VERB
fsr-3163	201	26	the	the	DET
fsr-3163	201	27	most	most	ADV
fsr-3163	201	28	unlikely	unlikely	ADJ
fsr-3163	201	29	group	group	NOUN
fsr-3163	201	30	(	(	PUNCT
fsr-3163	201	31	47.6	47.6	NUM
fsr-3163	201	32	%	%	NOUN
fsr-3163	201	33	,	,	PUNCT
fsr-3163	201	34	p	p	X
fsr-3163	201	35	<	<	X
fsr-3163	201	36	.001	.001	NUM
fsr-3163	201	37	)	)	PUNCT
fsr-3163	201	38	at	at	ADP
fsr-3163	201	39	the	the	DET
fsr-3163	201	40	high	high	ADJ
fsr-3163	201	41	level	level	NOUN
fsr-3163	201	42	compared	compare	VERB
fsr-3163	201	43	with	with	ADP
fsr-3163	201	44	white	white	ADJ
fsr-3163	201	45	americans	americans	PROPN
fsr-3163	201	46	.	.	PUNCT
fsr-3163	202	1	other	other	ADJ
fsr-3163	202	2	americans	americans	PROPN
fsr-3163	202	3	comprised	comprise	VERB
fsr-3163	202	4	the	the	DET
fsr-3163	202	5	next	next	ADJ
fsr-3163	202	6	unlikely	unlikely	ADJ
fsr-3163	202	7	group	group	NOUN
fsr-3163	202	8	(	(	PUNCT
fsr-3163	202	9	32.2	32.2	NUM
fsr-3163	202	10	%	%	NOUN
fsr-3163	202	11	,	,	PUNCT
fsr-3163	202	12	p	p	X
fsr-3163	202	13	<	<	X
fsr-3163	202	14	.01	.01	NUM
fsr-3163	202	15	)	)	PUNCT
fsr-3163	202	16	compared	compare	VERB
fsr-3163	202	17	with	with	ADP
fsr-3163	202	18	white	white	PROPN
fsr-3163	202	19	americans	americans	PROPN
fsr-3163	202	20	.	.	PUNCT
fsr-3163	203	1	therefore	therefore	ADV
fsr-3163	203	2	,	,	PUNCT
fsr-3163	203	3	ethnicity	ethnicity	NOUN
fsr-3163	203	4	seems	seem	VERB
fsr-3163	203	5	relevant	relevant	ADJ
fsr-3163	203	6	in	in	ADP
fsr-3163	203	7	households	household	NOUN
fsr-3163	203	8	classified	classify	VERB
fsr-3163	203	9	as	as	ADP
fsr-3163	203	10	having	have	VERB
fsr-3163	203	11	a	a	DET
fsr-3163	203	12	low	low	ADJ
fsr-3163	203	13	level	level	NOUN
fsr-3163	203	14	of	of	ADP
fsr-3163	203	15	financial	financial	ADJ
fsr-3163	203	16	well	well	NOUN
fsr-3163	203	17	-	-	PUNCT
fsr-3163	203	18	being	being	NOUN
fsr-3163	203	19	—	—	PUNCT
fsr-3163	203	20	african	african	ADJ
fsr-3163	203	21	americans	americans	PROPN
fsr-3163	203	22	to	to	ADP
fsr-3163	203	23	a	a	DET
fsr-3163	203	24	large	large	ADJ
fsr-3163	203	25	extent	extent	NOUN
fsr-3163	203	26	compared	compare	VERB
fsr-3163	203	27	with	with	ADP
fsr-3163	203	28	white	white	PROPN
fsr-3163	203	29	americans	americans	PROPN
fsr-3163	203	30	.	.	PUNCT
fsr-3163	204	1	based	base	VERB
fsr-3163	204	2	on	on	ADP
fsr-3163	204	3	the	the	DET
fsr-3163	204	4	results	result	NOUN
fsr-3163	204	5	,	,	PUNCT
fsr-3163	204	6	hypothesis	hypothesis	NOUN
fsr-3163	204	7	h1	h1	NOUN
fsr-3163	204	8	is	be	AUX
fsr-3163	204	9	not	not	PART
fsr-3163	204	10	rejected	reject	VERB
fsr-3163	204	11	(	(	PUNCT
fsr-3163	204	12	table	table	NOUN
fsr-3163	204	13	2	2	NUM
fsr-3163	204	14	)	)	PUNCT
fsr-3163	204	15	.	.	PUNCT
fsr-3163	205	1	330	330	NUM
fsr-3163	205	2	c.	c.	PROPN
fsr-3163	205	3	w.	w.	PROPN
fsr-3163	205	4	copeland	copeland	PROPN
fsr-3163	205	5	et	et	PROPN
fsr-3163	205	6	al	al	PROPN
fsr-3163	205	7	.	.	PUNCT
fsr-3163	205	8	/	/	SYM
fsr-3163	205	9	financial	financial	ADJ
fsr-3163	205	10	services	service	NOUN
fsr-3163	205	11	review	review	VERB
fsr-3163	205	12	30	30	NUM
fsr-3163	205	13	(	(	PUNCT
fsr-3163	205	14	2022	2022	NUM
fsr-3163	205	15	)	)	PUNCT
fsr-3163	205	16	321–336	321–336	NUM
fsr-3163	205	17	7.2	7.2	NUM
fsr-3163	205	18	.	.	PUNCT
fsr-3163	206	1	multinomial	multinomial	ADJ
fsr-3163	206	2	logistic	logistic	NOUN
fsr-3163	206	3	results	result	VERB
fsr-3163	206	4	the	the	DET
fsr-3163	206	5	purpose	purpose	NOUN
fsr-3163	206	6	of	of	ADP
fsr-3163	206	7	the	the	DET
fsr-3163	206	8	second	second	ADJ
fsr-3163	206	9	stage	stage	NOUN
fsr-3163	206	10	of	of	ADP
fsr-3163	206	11	the	the	DET
fsr-3163	206	12	analysis	analysis	NOUN
fsr-3163	206	13	was	be	AUX
fsr-3163	206	14	to	to	PART
fsr-3163	206	15	isolate	isolate	VERB
fsr-3163	206	16	better	well	ADJ
fsr-3163	206	17	the	the	DET
fsr-3163	206	18	link	link	NOUN
fsr-3163	206	19	between	between	ADP
fsr-3163	206	20	the	the	DET
fsr-3163	206	21	financial	financial	ADJ
fsr-3163	206	22	well	well	ADV
fsr-3163	206	23	-	-	PUNCT
fsr-3163	206	24	being	be	AUX
fsr-3163	206	25	levels	level	NOUN
fsr-3163	206	26	and	and	CCONJ
fsr-3163	206	27	financial	financial	ADJ
fsr-3163	206	28	security	security	NOUN
fsr-3163	206	29	factors	factor	NOUN
fsr-3163	206	30	(	(	PUNCT
fsr-3163	206	31	e.g.	e.g.	ADV
fsr-3163	206	32	,	,	PUNCT
fsr-3163	206	33	full	full	ADJ
fsr-3163	206	34	-	-	PUNCT
fsr-3163	206	35	time	time	NOUN
fsr-3163	206	36	employment	employment	NOUN
fsr-3163	206	37	,	,	PUNCT
fsr-3163	206	38	homeownership	homeownership	NOUN
fsr-3163	206	39	,	,	PUNCT
fsr-3163	206	40	financial	financial	ADJ
fsr-3163	206	41	knowledge	knowledge	NOUN
fsr-3163	206	42	levels	level	NOUN
fsr-3163	206	43	,	,	PUNCT
fsr-3163	206	44	savings	saving	NOUN
fsr-3163	206	45	rate	rate	NOUN
fsr-3163	206	46	,	,	PUNCT
fsr-3163	206	47	and	and	CCONJ
fsr-3163	206	48	investor	investor	NOUN
fsr-3163	206	49	status	status	NOUN
fsr-3163	206	50	)	)	PUNCT
fsr-3163	206	51	.	.	PUNCT
fsr-3163	207	1	the	the	DET
fsr-3163	207	2	multinomial	multinomial	ADJ
fsr-3163	207	3	logistic	logistic	ADJ
fsr-3163	207	4	regression	regression	NOUN
fsr-3163	207	5	analysis	analysis	NOUN
fsr-3163	207	6	results	result	NOUN
fsr-3163	207	7	are	be	AUX
fsr-3163	207	8	presented	present	VERB
fsr-3163	207	9	in	in	ADP
fsr-3163	207	10	table	table	NOUN
fsr-3163	207	11	3	3	NUM
fsr-3163	207	12	.	.	NOUN
fsr-3163	207	13	7.3	7.3	NUM
fsr-3163	207	14	.	.	PUNCT
fsr-3163	208	1	average	average	ADJ
fsr-3163	208	2	-	-	PUNCT
fsr-3163	208	3	level	level	NOUN
fsr-3163	208	4	versus	versus	ADP
fsr-3163	208	5	low	low	ADJ
fsr-3163	208	6	-	-	PUNCT
fsr-3163	208	7	level	level	NOUN
fsr-3163	208	8	financial	financial	ADJ
fsr-3163	208	9	well	well	NOUN
fsr-3163	208	10	-	-	PUNCT
fsr-3163	208	11	being	be	AUX
fsr-3163	208	12	the	the	DET
fsr-3163	208	13	first	first	ADJ
fsr-3163	208	14	model	model	NOUN
fsr-3163	208	15	(	(	PUNCT
fsr-3163	208	16	table	table	NOUN
fsr-3163	208	17	3	3	NUM
fsr-3163	208	18	,	,	PUNCT
fsr-3163	208	19	low	low	ADJ
fsr-3163	208	20	[	[	X
fsr-3163	208	21	column	column	NOUN
fsr-3163	208	22	heading	head	VERB
fsr-3163	208	23	]	]	PUNCT
fsr-3163	208	24	)	)	PUNCT
fsr-3163	208	25	specifically	specifically	ADV
fsr-3163	208	26	investigated	investigate	VERB
fsr-3163	208	27	the	the	DET
fsr-3163	208	28	differences	difference	NOUN
fsr-3163	208	29	between	between	ADP
fsr-3163	208	30	american	american	ADJ
fsr-3163	208	31	households	household	NOUN
fsr-3163	208	32	with	with	ADP
fsr-3163	208	33	low	low	ADJ
fsr-3163	208	34	scores	score	NOUN
fsr-3163	208	35	in	in	ADP
fsr-3163	208	36	financial	financial	ADJ
fsr-3163	208	37	well	well	NOUN
fsr-3163	208	38	-	-	PUNCT
fsr-3163	208	39	being	being	NOUN
fsr-3163	208	40	and	and	CCONJ
fsr-3163	208	41	those	those	PRON
fsr-3163	208	42	with	with	ADP
fsr-3163	208	43	average	average	ADJ
fsr-3163	208	44	scores	score	NOUN
fsr-3163	208	45	across	across	ADP
fsr-3163	208	46	ethnic	ethnic	ADJ
fsr-3163	208	47	groups	group	NOUN
fsr-3163	208	48	(	(	PUNCT
fsr-3163	208	49	white	white	PROPN
fsr-3163	208	50	americans	americans	PROPN
fsr-3163	208	51	,	,	PUNCT
fsr-3163	208	52	african	african	ADJ
fsr-3163	208	53	americans	americans	PROPN
fsr-3163	208	54	,	,	PUNCT
fsr-3163	208	55	and	and	CCONJ
fsr-3163	208	56	other	other	ADJ
fsr-3163	208	57	americans	americans	PROPN
fsr-3163	208	58	)	)	PUNCT
fsr-3163	208	59	.	.	PUNCT
fsr-3163	209	1	an	an	DET
fsr-3163	209	2	analysis	analysis	NOUN
fsr-3163	209	3	of	of	ADP
fsr-3163	209	4	the	the	DET
fsr-3163	209	5	education	education	NOUN
fsr-3163	209	6	level	level	NOUN
fsr-3163	209	7	showed	show	VERB
fsr-3163	209	8	that	that	SCONJ
fsr-3163	209	9	white	white	ADJ
fsr-3163	209	10	americans	americans	PROPN
fsr-3163	209	11	with	with	ADP
fsr-3163	209	12	a	a	DET
fsr-3163	209	13	low	low	ADJ
fsr-3163	209	14	level	level	NOUN
fsr-3163	209	15	of	of	ADP
fsr-3163	209	16	financial	financial	ADJ
fsr-3163	209	17	well	well	NOUN
fsr-3163	209	18	-	-	PUNCT
fsr-3163	209	19	being	being	NOUN
fsr-3163	209	20	and	and	CCONJ
fsr-3163	209	21	some	some	DET
fsr-3163	209	22	college	college	NOUN
fsr-3163	209	23	education	education	NOUN
fsr-3163	209	24	or	or	CCONJ
fsr-3163	209	25	less	less	ADJ
fsr-3163	209	26	were	be	AUX
fsr-3163	209	27	42.7	42.7	NUM
fsr-3163	209	28	%	%	NOUN
fsr-3163	209	29	(	(	PUNCT
fsr-3163	209	30	p	p	X
fsr-3163	209	31	<	<	X
fsr-3163	209	32	.05	.05	NUM
fsr-3163	209	33	)	)	PUNCT
fsr-3163	209	34	more	more	ADV
fsr-3163	209	35	likely	likely	ADJ
fsr-3163	209	36	than	than	SCONJ
fsr-3163	209	37	post	post	ADJ
fsr-3163	209	38	-	-	ADJ
fsr-3163	209	39	graduate	graduate	ADJ
fsr-3163	209	40	respondents	respondent	NOUN
fsr-3163	209	41	to	to	PART
fsr-3163	209	42	have	have	VERB
fsr-3163	209	43	low	low	ADJ
fsr-3163	209	44	scores	score	NOUN
fsr-3163	209	45	in	in	ADP
fsr-3163	209	46	financial	financial	ADJ
fsr-3163	209	47	literacy	literacy	NOUN
fsr-3163	209	48	.	.	PUNCT
fsr-3163	210	1	surprisingly	surprisingly	ADV
fsr-3163	210	2	,	,	PUNCT
fsr-3163	210	3	the	the	DET
fsr-3163	210	4	education	education	NOUN
fsr-3163	210	5	level	level	NOUN
fsr-3163	210	6	was	be	AUX
fsr-3163	210	7	not	not	PART
fsr-3163	210	8	significant	significant	ADJ
fsr-3163	210	9	for	for	ADP
fsr-3163	210	10	african	african	ADJ
fsr-3163	210	11	americans	americans	PROPN
fsr-3163	210	12	and	and	CCONJ
fsr-3163	210	13	other	other	ADJ
fsr-3163	210	14	americans	americans	PROPN
fsr-3163	210	15	compared	compare	VERB
fsr-3163	210	16	with	with	ADP
fsr-3163	210	17	post	post	ADJ
fsr-3163	210	18	-	-	ADJ
fsr-3163	210	19	graduate	graduate	ADJ
fsr-3163	210	20	respondents	respondent	NOUN
fsr-3163	210	21	.	.	PUNCT
fsr-3163	211	1	retired	retire	VERB
fsr-3163	211	2	respondents	respondent	NOUN
fsr-3163	211	3	were	be	AUX
fsr-3163	211	4	less	less	ADV
fsr-3163	211	5	likely	likely	ADJ
fsr-3163	211	6	to	to	PART
fsr-3163	211	7	be	be	AUX
fsr-3163	211	8	classified	classify	VERB
fsr-3163	211	9	as	as	ADP
fsr-3163	211	10	having	have	VERB
fsr-3163	211	11	a	a	DET
fsr-3163	211	12	low	low	ADJ
fsr-3163	211	13	level	level	NOUN
fsr-3163	211	14	of	of	ADP
fsr-3163	211	15	financial	financial	ADJ
fsr-3163	211	16	well	well	NOUN
fsr-3163	211	17	-	-	PUNCT
fsr-3163	211	18	being	being	NOUN
fsr-3163	211	19	compared	compare	VERB
fsr-3163	211	20	with	with	ADP
fsr-3163	211	21	respondents	respondent	NOUN
fsr-3163	211	22	who	who	PRON
fsr-3163	211	23	had	have	VERB
fsr-3163	211	24	averagelevel	averagelevel	NOUN
fsr-3163	211	25	scores	score	NOUN
fsr-3163	211	26	.	.	PUNCT
fsr-3163	212	1	more	more	ADV
fsr-3163	212	2	specifically	specifically	ADV
fsr-3163	212	3	,	,	PUNCT
fsr-3163	212	4	white	white	ADJ
fsr-3163	212	5	american	american	ADJ
fsr-3163	212	6	retirees	retiree	NOUN
fsr-3163	212	7	(	(	PUNCT
fsr-3163	212	8	52.5	52.5	NUM
fsr-3163	212	9	%	%	NOUN
fsr-3163	212	10	,	,	PUNCT
fsr-3163	212	11	p	p	X
fsr-3163	212	12	<	<	X
fsr-3163	212	13	.01	.01	NUM
fsr-3163	212	14	)	)	PUNCT
fsr-3163	212	15	and	and	CCONJ
fsr-3163	212	16	african	african	ADJ
fsr-3163	212	17	americans	americans	PROPN
fsr-3163	212	18	(	(	PUNCT
fsr-3163	212	19	80.2	80.2	NUM
fsr-3163	212	20	%	%	NOUN
fsr-3163	212	21	,	,	PUNCT
fsr-3163	212	22	p	p	X
fsr-3163	212	23	<	<	X
fsr-3163	212	24	.05	.05	NUM
fsr-3163	212	25	)	)	PUNCT
fsr-3163	212	26	were	be	AUX
fsr-3163	212	27	less	less	ADV
fsr-3163	212	28	likely	likely	ADJ
fsr-3163	212	29	to	to	PART
fsr-3163	212	30	be	be	AUX
fsr-3163	212	31	included	include	VERB
fsr-3163	212	32	in	in	ADP
fsr-3163	212	33	the	the	DET
fsr-3163	212	34	group	group	NOUN
fsr-3163	212	35	with	with	ADP
fsr-3163	212	36	a	a	DET
fsr-3163	212	37	low	low	ADJ
fsr-3163	212	38	level	level	NOUN
fsr-3163	212	39	of	of	ADP
fsr-3163	212	40	financial	financial	ADJ
fsr-3163	212	41	well	well	NOUN
fsr-3163	212	42	-	-	PUNCT
fsr-3163	212	43	being	being	NOUN
fsr-3163	212	44	.	.	PUNCT
fsr-3163	213	1	other	other	ADJ
fsr-3163	213	2	americans	americans	PROPN
fsr-3163	213	3	’	’	PART
fsr-3163	213	4	scores	score	NOUN
fsr-3163	213	5	were	be	AUX
fsr-3163	213	6	not	not	PART
fsr-3163	213	7	significant	significant	ADJ
fsr-3163	213	8	when	when	SCONJ
fsr-3163	213	9	compared	compare	VERB
fsr-3163	213	10	with	with	ADP
fsr-3163	213	11	the	the	DET
fsr-3163	213	12	average	average	ADJ
fsr-3163	213	13	level	level	NOUN
fsr-3163	213	14	scores	score	NOUN
fsr-3163	213	15	.	.	PUNCT
fsr-3163	214	1	other	other	ADJ
fsr-3163	214	2	americans	americans	PROPN
fsr-3163	214	3	(	(	PUNCT
fsr-3163	214	4	22.4	22.4	NUM
fsr-3163	214	5	%	%	NOUN
fsr-3163	214	6	,	,	PUNCT
fsr-3163	214	7	p	p	X
fsr-3163	214	8	<	<	X
fsr-3163	214	9	.05	.05	NUM
fsr-3163	214	10	)	)	PUNCT
fsr-3163	214	11	comprised	comprise	VERB
fsr-3163	214	12	the	the	DET
fsr-3163	214	13	only	only	ADJ
fsr-3163	214	14	group	group	NOUN
fsr-3163	214	15	affected	affect	VERB
fsr-3163	214	16	by	by	ADP
fsr-3163	214	17	the	the	DET
fsr-3163	214	18	financial	financial	ADJ
fsr-3163	214	19	knowledge	knowledge	NOUN
fsr-3163	214	20	scale	scale	NOUN
fsr-3163	214	21	,	,	PUNCT
fsr-3163	214	22	indicating	indicate	VERB
fsr-3163	214	23	an	an	DET
fsr-3163	214	24	unlikelihood	unlikelihood	NOUN
fsr-3163	214	25	of	of	ADP
fsr-3163	214	26	being	be	AUX
fsr-3163	214	27	classified	classify	VERB
fsr-3163	214	28	in	in	ADP
fsr-3163	214	29	the	the	DET
fsr-3163	214	30	lowlevel	lowlevel	NOUN
fsr-3163	214	31	financial	financial	ADJ
fsr-3163	214	32	well	well	ADV
fsr-3163	214	33	-	-	PUNCT
fsr-3163	214	34	being	be	AUX
fsr-3163	214	35	group	group	NOUN
fsr-3163	214	36	compared	compare	VERB
fsr-3163	214	37	with	with	ADP
fsr-3163	214	38	the	the	DET
fsr-3163	214	39	average	average	ADJ
fsr-3163	214	40	-	-	PUNCT
fsr-3163	214	41	level	level	NOUN
fsr-3163	214	42	group	group	NOUN
fsr-3163	214	43	.	.	PUNCT
fsr-3163	215	1	financial	financial	ADJ
fsr-3163	215	2	knowledge	knowledge	NOUN
fsr-3163	215	3	levels	level	NOUN
fsr-3163	215	4	were	be	AUX
fsr-3163	215	5	not	not	PART
fsr-3163	215	6	significant	significant	ADJ
fsr-3163	215	7	for	for	ADP
fsr-3163	215	8	white	white	ADJ
fsr-3163	215	9	americans	americans	PROPN
fsr-3163	215	10	and	and	CCONJ
fsr-3163	215	11	african	african	ADJ
fsr-3163	215	12	americans	americans	PROPN
fsr-3163	215	13	.	.	PUNCT
fsr-3163	216	1	household	household	NOUN
fsr-3163	216	2	savings	saving	NOUN
fsr-3163	216	3	of	of	ADP
fsr-3163	216	4	less	less	ADJ
fsr-3163	216	5	than	than	ADP
fsr-3163	216	6	$	$	SYM
fsr-3163	216	7	5,000	5,000	NUM
fsr-3163	216	8	appeared	appear	VERB
fsr-3163	216	9	to	to	PART
fsr-3163	216	10	be	be	AUX
fsr-3163	216	11	the	the	DET
fsr-3163	216	12	most	most	ADV
fsr-3163	216	13	impactful	impactful	ADJ
fsr-3163	216	14	factor	factor	NOUN
fsr-3163	216	15	for	for	ADP
fsr-3163	216	16	americans	americans	PROPN
fsr-3163	216	17	’	’	PART
fsr-3163	216	18	likelihood	likelihood	NOUN
fsr-3163	216	19	of	of	ADP
fsr-3163	216	20	being	be	AUX
fsr-3163	216	21	classified	classify	VERB
fsr-3163	216	22	as	as	ADP
fsr-3163	216	23	belonging	belong	VERB
fsr-3163	216	24	to	to	ADP
fsr-3163	216	25	the	the	DET
fsr-3163	216	26	group	group	NOUN
fsr-3163	216	27	with	with	ADP
fsr-3163	216	28	a	a	DET
fsr-3163	216	29	low	low	ADJ
fsr-3163	216	30	level	level	NOUN
fsr-3163	216	31	of	of	ADP
fsr-3163	216	32	financial	financial	ADJ
fsr-3163	216	33	well	well	NOUN
fsr-3163	216	34	-	-	PUNCT
fsr-3163	216	35	being	being	NOUN
fsr-3163	216	36	.	.	PUNCT
fsr-3163	217	1	white	white	ADJ
fsr-3163	217	2	americans	americans	PROPN
fsr-3163	217	3	(	(	PUNCT
fsr-3163	217	4	261.6	261.6	NUM
fsr-3163	217	5	%	%	NOUN
fsr-3163	217	6	,	,	PUNCT
fsr-3163	217	7	p	p	X
fsr-3163	217	8	<	<	X
fsr-3163	217	9	.001	.001	NUM
fsr-3163	217	10	)	)	PUNCT
fsr-3163	217	11	,	,	PUNCT
fsr-3163	217	12	african	african	ADJ
fsr-3163	217	13	americans	americans	PROPN
fsr-3163	217	14	(	(	PUNCT
fsr-3163	217	15	467.1	467.1	NUM
fsr-3163	217	16	%	%	NOUN
fsr-3163	217	17	,	,	PUNCT
fsr-3163	217	18	p	p	X
fsr-3163	217	19	<	<	X
fsr-3163	217	20	.001	.001	NUM
fsr-3163	217	21	)	)	PUNCT
fsr-3163	217	22	,	,	PUNCT
fsr-3163	217	23	and	and	CCONJ
fsr-3163	217	24	other	other	ADJ
fsr-3163	217	25	americans	americans	PROPN
fsr-3163	217	26	(	(	PUNCT
fsr-3163	217	27	122.2	122.2	NUM
fsr-3163	217	28	%	%	NOUN
fsr-3163	217	29	,	,	PUNCT
fsr-3163	217	30	p	p	X
fsr-3163	217	31	<	<	X
fsr-3163	217	32	.001	.001	NUM
fsr-3163	217	33	)	)	PUNCT
fsr-3163	217	34	were	be	AUX
fsr-3163	217	35	more	more	ADV
fsr-3163	217	36	likely	likely	ADJ
fsr-3163	217	37	to	to	PART
fsr-3163	217	38	be	be	AUX
fsr-3163	217	39	included	include	VERB
fsr-3163	217	40	in	in	ADP
fsr-3163	217	41	the	the	DET
fsr-3163	217	42	group	group	NOUN
fsr-3163	217	43	with	with	ADP
fsr-3163	217	44	a	a	DET
fsr-3163	217	45	low	low	ADJ
fsr-3163	217	46	level	level	NOUN
fsr-3163	217	47	of	of	ADP
fsr-3163	217	48	financial	financial	ADJ
fsr-3163	217	49	well	well	NOUN
fsr-3163	217	50	-	-	PUNCT
fsr-3163	217	51	being	being	NOUN
fsr-3163	217	52	.	.	PUNCT
fsr-3163	218	1	only	only	ADV
fsr-3163	218	2	african	african	ADJ
fsr-3163	218	3	american	american	ADJ
fsr-3163	218	4	respondents	respondent	NOUN
fsr-3163	218	5	(	(	PUNCT
fsr-3163	218	6	91.3	91.3	NUM
fsr-3163	218	7	%	%	NOUN
fsr-3163	218	8	,	,	PUNCT
fsr-3163	218	9	p	p	X
fsr-3163	218	10	<	<	X
fsr-3163	218	11	.05	.05	NUM
fsr-3163	218	12	)	)	PUNCT
fsr-3163	218	13	table	table	NOUN
fsr-3163	218	14	2	2	NUM
fsr-3163	218	15	multinominal	multinominal	ADJ
fsr-3163	218	16	logistical	logistical	ADJ
fsr-3163	218	17	analysis	analysis	NOUN
fsr-3163	218	18	of	of	ADP
fsr-3163	218	19	the	the	DET
fsr-3163	218	20	likelihood	likelihood	NOUN
fsr-3163	218	21	of	of	ADP
fsr-3163	218	22	financial	financial	ADJ
fsr-3163	218	23	well	well	ADV
fsr-3163	218	24	-	-	PUNCT
fsr-3163	218	25	being	be	AUX
fsr-3163	218	26	levels	level	NOUN
fsr-3163	218	27	among	among	ADP
fsr-3163	218	28	ethnic	ethnic	ADJ
fsr-3163	218	29	groups	group	NOUN
fsr-3163	218	30	financial	financial	ADJ
fsr-3163	218	31	well	well	ADV
fsr-3163	218	32	-	-	PUNCT
fsr-3163	218	33	being	being	NOUN
fsr-3163	218	34	levels	level	NOUN
fsr-3163	218	35	(	(	PUNCT
fsr-3163	218	36	n	n	NOUN
fsr-3163	218	37	=	=	SYM
fsr-3163	218	38	4,339	4,339	NUM
fsr-3163	218	39	)	)	PUNCT
fsr-3163	218	40	average	average	ADJ
fsr-3163	218	41	high	high	ADJ
fsr-3163	218	42	b	b	X
fsr-3163	218	43	exp(b	exp(b	PROPN
fsr-3163	218	44	)	)	PUNCT
fsr-3163	218	45	b	b	PROPN
fsr-3163	218	46	exp(b	exp(b	PROPN
fsr-3163	218	47	)	)	PUNCT
fsr-3163	218	48	intercept	intercept	VERB
fsr-3163	218	49	0.314	0.314	NUM
fsr-3163	218	50	0.536	0.536	NUM
fsr-3163	218	51	ethnicity	ethnicity	NOUN
fsr-3163	218	52	group	group	NOUN
fsr-3163	218	53	:	:	PUNCT
fsr-3163	218	54	reference	reference	NOUN
fsr-3163	218	55	category	category	NOUN
fsr-3163	218	56	=	=	PUNCT
fsr-3163	218	57	white	white	ADJ
fsr-3163	218	58	americans	americans	PROPN
fsr-3163	218	59	african	african	PROPN
fsr-3163	218	60	americans	americans	PROPN
fsr-3163	218	61	�	�	VERB
fsr-3163	218	62	0.121	0.121	NUM
fsr-3163	218	63	0.886	0.886	NUM
fsr-3163	218	64	�	�	NOUN
fsr-3163	218	65	0.647	0.647	NUM
fsr-3163	218	66	*	*	PUNCT
fsr-3163	218	67	*	*	PUNCT
fsr-3163	218	68	*	*	PROPN
fsr-3163	218	69	0.524	0.524	NUM
fsr-3163	218	70	other	other	ADJ
fsr-3163	218	71	americans	americans	PROPN
fsr-3163	218	72	�	�	VERB
fsr-3163	218	73	0.167	0.167	NUM
fsr-3163	218	74	0.846	0.846	NUM
fsr-3163	218	75	�	�	NOUN
fsr-3163	218	76	0.388	0.388	NUM
fsr-3163	218	77	*	*	SYM
fsr-3163	218	78	*	*	X
fsr-3163	218	79	0.678	0.678	NUM
fsr-3163	218	80	notes	note	NOUN
fsr-3163	218	81	.	.	PUNCT
fsr-3163	219	1	the	the	DET
fsr-3163	219	2	exponentiated	exponentiated	ADJ
fsr-3163	219	3	coefficient	coefficient	NOUN
fsr-3163	219	4	minus	minus	ADP
fsr-3163	219	5	one	one	NUM
fsr-3163	219	6	and	and	CCONJ
fsr-3163	219	7	times	time	NOUN
fsr-3163	219	8	100	100	NUM
fsr-3163	219	9	gives	give	VERB
fsr-3163	219	10	the	the	DET
fsr-3163	219	11	percentage	percentage	NOUN
fsr-3163	219	12	increase	increase	NOUN
fsr-3163	219	13	or	or	CCONJ
fsr-3163	219	14	decrease	decrease	NOUN
fsr-3163	219	15	due	due	ADP
fsr-3163	219	16	to	to	ADP
fsr-3163	219	17	a	a	DET
fsr-3163	219	18	one	one	NUM
fsr-3163	219	19	-	-	PUNCT
fsr-3163	219	20	unit	unit	NOUN
fsr-3163	219	21	change	change	NOUN
fsr-3163	219	22	in	in	ADP
fsr-3163	219	23	the	the	DET
fsr-3163	219	24	independent	independent	ADJ
fsr-3163	219	25	variable	variable	NOUN
fsr-3163	219	26	.	.	PUNCT
fsr-3163	220	1	the	the	DET
fsr-3163	220	2	reference	reference	NOUN
fsr-3163	220	3	category	category	NOUN
fsr-3163	220	4	for	for	ADP
fsr-3163	220	5	the	the	DET
fsr-3163	220	6	model	model	NOUN
fsr-3163	220	7	is	be	AUX
fsr-3163	220	8	the	the	DET
fsr-3163	220	9	low	low	ADJ
fsr-3163	220	10	financial	financial	ADJ
fsr-3163	220	11	wellbeing	wellbee	VERB
fsr-3163	220	12	group	group	NOUN
fsr-3163	220	13	.	.	PUNCT
fsr-3163	221	1	*	*	PUNCT
fsr-3163	221	2	*	*	PUNCT
fsr-3163	221	3	p	p	X
fsr-3163	221	4	<	<	X
fsr-3163	221	5	.01	.01	NUM
fsr-3163	221	6	,	,	PUNCT
fsr-3163	221	7	*	*	PUNCT
fsr-3163	222	1	*	*	PUNCT
fsr-3163	222	2	*	*	PUNCT
fsr-3163	222	3	p	p	X
fsr-3163	222	4	<	<	X
fsr-3163	222	5	.001	.001	NUM
fsr-3163	222	6	.	.	PUNCT
fsr-3163	223	1	c.	c.	PROPN
fsr-3163	223	2	w.	w.	PROPN
fsr-3163	223	3	copeland	copeland	PROPN
fsr-3163	223	4	et	et	PROPN
fsr-3163	223	5	al	al	PROPN
fsr-3163	223	6	.	.	PUNCT
fsr-3163	223	7	/	/	SYM
fsr-3163	223	8	financial	financial	ADJ
fsr-3163	223	9	services	service	NOUN
fsr-3163	223	10	review	review	VERB
fsr-3163	223	11	30	30	NUM
fsr-3163	223	12	(	(	PUNCT
fsr-3163	223	13	2022	2022	NUM
fsr-3163	223	14	)	)	PUNCT
fsr-3163	224	1	321–336	321–336	PROPN
fsr-3163	224	2	331	331	NUM
fsr-3163	224	3	t	t	PROPN
fsr-3163	224	4	ab	ab	PROPN
fsr-3163	224	5	le	le	PROPN
fsr-3163	224	6	3	3	NUM
fsr-3163	224	7	m	m	PROPN
fsr-3163	224	8	u	u	NOUN
fsr-3163	224	9	lt	lt	ADV
fsr-3163	224	10	in	in	ADP
fsr-3163	224	11	o	o	PROPN
fsr-3163	224	12	m	m	NOUN
fsr-3163	224	13	in	in	ADP
fsr-3163	224	14	al	al	PROPN
fsr-3163	224	15	lo	lo	PROPN
fsr-3163	224	16	g	g	PROPN
fsr-3163	224	17	is	be	AUX
fsr-3163	224	18	ti	ti	NOUN
fsr-3163	224	19	ca	can	AUX
fsr-3163	224	20	l	l	NOUN
fsr-3163	225	1	an	an	PROPN
fsr-3163	225	2	al	al	PROPN
fsr-3163	225	3	y	y	PROPN
fsr-3163	226	1	si	si	PROPN
fsr-3163	227	1	s	s	PART
fsr-3163	228	1	o	o	X
fsr-3163	228	2	f	f	X
fsr-3163	228	3	th	th	X
fsr-3163	228	4	e	e	PROPN
fsr-3163	228	5	li	li	PROPN
fsr-3163	228	6	k	k	PROPN
fsr-3163	228	7	el	el	PROPN
fsr-3163	228	8	ih	ih	PROPN
fsr-3163	229	1	o	o	X
fsr-3163	230	1	o	o	X
fsr-3163	230	2	d	d	X
fsr-3163	230	3	o	o	X
fsr-3163	230	4	f	f	PROPN
fsr-3163	230	5	fi	fi	NOUN
fsr-3163	230	6	n	n	CCONJ
fsr-3163	230	7	an	an	DET
fsr-3163	230	8	ci	ci	PROPN
fsr-3163	230	9	al	al	PROPN
fsr-3163	230	10	w	w	PROPN
fsr-3163	230	11	el	el	PROPN
fsr-3163	230	12	lb	lb	INTJ
fsr-3163	230	13	ei	ei	NOUN
fsr-3163	230	14	n	n	CCONJ
fsr-3163	230	15	g	g	PROPN
fsr-3163	230	16	le	le	X
fsr-3163	230	17	v	v	PROPN
fsr-3163	230	18	el	el	PROPN
fsr-3163	230	19	s	s	X
fsr-3163	231	1	(	(	PUNCT
fsr-3163	231	2	fi	fi	NOUN
fsr-3163	231	3	n	n	CCONJ
fsr-3163	231	4	an	an	PRON
fsr-3163	231	5	ci	ci	PROPN
fsr-3163	231	6	al	al	PROPN
fsr-3163	231	7	se	se	PROPN
fsr-3163	231	8	cu	cu	PROPN
fsr-3163	232	1	ri	ri	PROPN
fsr-3163	232	2	ty	ty	INTJ
fsr-3163	232	3	v	v	PROPN
fsr-3163	232	4	ar	ar	PROPN
fsr-3163	232	5	ia	ia	PROPN
fsr-3163	232	6	b	b	PROPN
fsr-3163	232	7	le	le	X
fsr-3163	232	8	s	s	PROPN
fsr-3163	232	9	)	)	PUNCT
fsr-3163	232	10	f	f	PROPN
fsr-3163	232	11	in	in	ADP
fsr-3163	232	12	an	an	DET
fsr-3163	232	13	ci	ci	PROPN
fsr-3163	232	14	al	al	PROPN
fsr-3163	232	15	w	w	PROPN
fsr-3163	232	16	el	el	PROPN
fsr-3163	232	17	lb	lb	INTJ
fsr-3163	232	18	ei	ei	NOUN
fsr-3163	232	19	n	n	CCONJ
fsr-3163	232	20	g	g	PROPN
fsr-3163	232	21	le	le	X
fsr-3163	232	22	v	v	PROPN
fsr-3163	232	23	el	el	PROPN
fsr-3163	232	24	s	s	PROPN
fsr-3163	232	25	(	(	PUNCT
fsr-3163	232	26	n	n	NOUN
fsr-3163	232	27	=	=	SYM
fsr-3163	232	28	4	4	NUM
fsr-3163	232	29	,	,	PUNCT
fsr-3163	232	30	3	3	NUM
fsr-3163	232	31	3	3	NUM
fsr-3163	232	32	9	9	NUM
fsr-3163	232	33	)	)	PUNCT
fsr-3163	232	34	p	p	NOUN
fsr-3163	232	35	ar	ar	PROPN
fsr-3163	232	36	am	be	AUX
fsr-3163	232	37	et	et	NOUN
fsr-3163	232	38	er	er	INTJ
fsr-3163	232	39	es	es	X
fsr-3163	232	40	ti	ti	X
fsr-3163	232	41	m	m	NOUN
fsr-3163	232	42	at	at	ADP
fsr-3163	232	43	es	es	X
fsr-3163	232	44	w	w	PROPN
fsr-3163	232	45	h	h	NOUN
fsr-3163	233	1	it	it	PRON
fsr-3163	233	2	e	e	NOUN
fsr-3163	233	3	a	a	DET
fsr-3163	233	4	m	m	VERB
fsr-3163	233	5	er	er	INTJ
fsr-3163	233	6	ic	ic	PROPN
fsr-3163	233	7	an	an	DET
fsr-3163	233	8	s	s	X
fsr-3163	233	9	(	(	PUNCT
fsr-3163	233	10	n	n	NOUN
fsr-3163	233	11	=	=	SYM
fsr-3163	233	12	3	3	NUM
fsr-3163	233	13	,	,	PUNCT
fsr-3163	233	14	0	0	NUM
fsr-3163	233	15	7	7	NUM
fsr-3163	233	16	0	0	NUM
fsr-3163	233	17	)	)	PUNCT
fsr-3163	233	18	a	a	DET
fsr-3163	233	19	fr	fr	INTJ
fsr-3163	233	20	ic	ic	PROPN
fsr-3163	233	21	an	an	DET
fsr-3163	233	22	a	a	PROPN
fsr-3163	233	23	m	m	NOUN
fsr-3163	233	24	er	er	INTJ
fsr-3163	233	25	ic	ic	INTJ
fsr-3163	234	1	an	an	DET
fsr-3163	234	2	s	s	X
fsr-3163	234	3	(	(	PUNCT
fsr-3163	234	4	n	n	NOUN
fsr-3163	234	5	=	=	SYM
fsr-3163	234	6	4	4	NUM
fsr-3163	234	7	0	0	NUM
fsr-3163	234	8	7	7	NUM
fsr-3163	234	9	)	)	PUNCT
fsr-3163	235	1	o	o	NOUN
fsr-3163	235	2	th	th	INTJ
fsr-3163	235	3	er	er	INTJ
fsr-3163	235	4	a	a	DET
fsr-3163	235	5	m	m	NOUN
fsr-3163	235	6	er	er	INTJ
fsr-3163	235	7	ic	ic	PROPN
fsr-3163	236	1	an	an	DET
fsr-3163	236	2	s	s	X
fsr-3163	236	3	(	(	PUNCT
fsr-3163	236	4	n	n	NOUN
fsr-3163	236	5	=	=	SYM
fsr-3163	236	6	8	8	NUM
fsr-3163	236	7	6	6	NUM
fsr-3163	236	8	2	2	NUM
fsr-3163	236	9	)	)	PUNCT
fsr-3163	236	10	l	l	NOUN
fsr-3163	236	11	o	o	NOUN
fsr-3163	236	12	w	w	NOUN
fsr-3163	236	13	h	h	NOUN
fsr-3163	237	1	ig	ig	INTJ
fsr-3163	237	2	h	h	NOUN
fsr-3163	238	1	l	l	NOUN
fsr-3163	238	2	o	o	X
fsr-3163	239	1	w	w	NOUN
fsr-3163	239	2	h	h	NOUN
fsr-3163	239	3	ig	ig	INTJ
fsr-3163	240	1	h	h	NOUN
fsr-3163	240	2	l	l	NOUN
fsr-3163	241	1	o	o	X
fsr-3163	241	2	w	w	NOUN
fsr-3163	241	3	h	h	NOUN
fsr-3163	242	1	ig	ig	PROPN
fsr-3163	242	2	h	h	NOUN
fsr-3163	242	3	b	b	PROPN
fsr-3163	242	4	e	e	NOUN
fsr-3163	242	5	x	x	X
fsr-3163	242	6	p	p	X
fsr-3163	242	7	(	(	PUNCT
fsr-3163	242	8	b	b	NOUN
fsr-3163	242	9	)	)	PUNCT
fsr-3163	242	10	b	b	NOUN
fsr-3163	242	11	e	e	NOUN
fsr-3163	242	12	x	x	X
fsr-3163	242	13	p	p	X
fsr-3163	242	14	(	(	PUNCT
fsr-3163	242	15	b	b	NOUN
fsr-3163	242	16	)	)	PUNCT
fsr-3163	242	17	b	b	NOUN
fsr-3163	242	18	e	e	NOUN
fsr-3163	242	19	x	x	X
fsr-3163	242	20	p	p	X
fsr-3163	242	21	(	(	PUNCT
fsr-3163	242	22	b	b	NOUN
fsr-3163	242	23	)	)	PUNCT
fsr-3163	242	24	b	b	NOUN
fsr-3163	242	25	e	e	NOUN
fsr-3163	242	26	x	x	X
fsr-3163	242	27	p	p	X
fsr-3163	242	28	(	(	PUNCT
fsr-3163	242	29	b	b	NOUN
fsr-3163	242	30	)	)	PUNCT
fsr-3163	242	31	b	b	NOUN
fsr-3163	242	32	e	e	NOUN
fsr-3163	242	33	x	x	X
fsr-3163	242	34	p	p	X
fsr-3163	242	35	(	(	PUNCT
fsr-3163	242	36	b	b	NOUN
fsr-3163	242	37	)	)	PUNCT
fsr-3163	242	38	b	b	NOUN
fsr-3163	242	39	e	e	NOUN
fsr-3163	242	40	x	x	X
fsr-3163	242	41	p	p	X
fsr-3163	242	42	(	(	PUNCT
fsr-3163	242	43	b	b	NOUN
fsr-3163	242	44	)	)	PUNCT
fsr-3163	242	45	in	in	ADP
fsr-3163	242	46	te	te	PROPN
fsr-3163	242	47	rc	rc	PROPN
fsr-3163	242	48	ep	ep	PROPN
fsr-3163	242	49	t	t	PROPN
fsr-3163	242	50	�	�	PROPN
fsr-3163	242	51	1	1	NUM
fsr-3163	242	52	.9	.9	NUM
fsr-3163	242	53	1	1	NUM
fsr-3163	242	54	1	1	NUM
fsr-3163	242	55	0	0	NUM
fsr-3163	242	56	.6	.6	NUM
fsr-3163	242	57	9	9	NUM
fsr-3163	242	58	7	7	NUM
fsr-3163	242	59	�	�	NOUN
fsr-3163	242	60	1	1	NUM
fsr-3163	242	61	.1	.1	NUM
fsr-3163	242	62	2	2	NUM
fsr-3163	242	63	4	4	NUM
fsr-3163	242	64	2	2	NUM
fsr-3163	242	65	.2	.2	NUM
fsr-3163	242	66	5	5	NUM
fsr-3163	242	67	5	5	NUM
fsr-3163	242	68	�	�	NOUN
fsr-3163	242	69	2	2	NUM
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fsr-3163	242	77	a	a	DET
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fsr-3163	242	84	:	:	PUNCT
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fsr-3163	243	10	an	an	DET
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fsr-3163	243	22	2	2	NUM
fsr-3163	243	23	5	5	NUM
fsr-3163	243	24	�	�	NOUN
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fsr-3163	244	1	.9	.9	NUM
fsr-3163	244	2	1	1	NUM
fsr-3163	244	3	4	4	NUM
fsr-3163	244	4	�	�	NOUN
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fsr-3163	244	9	0	0	NUM
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fsr-3163	244	28	5	5	NUM
fsr-3163	244	29	4	4	NUM
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fsr-3163	244	40	5	5	NUM
fsr-3163	244	41	–	–	PUNCT
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fsr-3163	244	46	2	2	NUM
fsr-3163	244	47	7	7	NUM
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fsr-3163	244	52	�	�	NOUN
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fsr-3163	244	57	*	*	PUNCT
fsr-3163	244	58	*	*	PUNCT
fsr-3163	244	59	0	0	NUM
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fsr-3163	244	63	�	�	NOUN
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fsr-3163	244	72	�	�	NOUN
fsr-3163	244	73	0	0	NUM
fsr-3163	244	74	.8	.8	PROPN
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fsr-3163	244	89	�	�	PROPN
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fsr-3163	244	99	5	5	NUM
fsr-3163	244	100	–	–	PUNCT
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fsr-3163	245	4	:	:	PUNCT
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fsr-3163	246	65	:	:	PUNCT
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fsr-3163	281	17	.4	.4	NUM
fsr-3163	281	18	1	1	NUM
fsr-3163	281	19	8	8	NUM
fsr-3163	281	20	*	*	PUNCT
fsr-3163	282	1	*	*	PUNCT
fsr-3163	282	2	0	0	NUM
fsr-3163	283	1	.6	.6	NUM
fsr-3163	283	2	5	5	NUM
fsr-3163	283	3	8	8	NUM
fsr-3163	283	4	0	0	NUM
fsr-3163	283	5	.6	.6	NUM
fsr-3163	283	6	4	4	NUM
fsr-3163	283	7	9	9	NUM
fsr-3163	283	8	*	*	SYM
fsr-3163	283	9	1	1	NUM
fsr-3163	283	10	.9	.9	NUM
fsr-3163	283	11	1	1	NUM
fsr-3163	283	12	3	3	NUM
fsr-3163	283	13	�	�	PROPN
fsr-3163	283	14	0	0	NUM
fsr-3163	283	15	.5	.5	NUM
fsr-3163	283	16	8	8	NUM
fsr-3163	283	17	3	3	NUM
fsr-3163	283	18	0	0	NUM
fsr-3163	283	19	.5	.5	NUM
fsr-3163	283	20	5	5	NUM
fsr-3163	283	21	8	8	NUM
fsr-3163	283	22	0	0	NUM
fsr-3163	284	1	.4	.4	NUM
fsr-3163	284	2	1	1	NUM
fsr-3163	284	3	9	9	NUM
fsr-3163	284	4	1	1	NUM
fsr-3163	284	5	.5	.5	NUM
fsr-3163	284	6	2	2	NUM
fsr-3163	284	7	1	1	NUM
fsr-3163	284	8	�	�	PROPN
fsr-3163	284	9	0	0	NUM
fsr-3163	284	10	.0	.0	NUM
fsr-3163	284	11	5	5	NUM
fsr-3163	284	12	4	4	NUM
fsr-3163	284	13	0	0	NUM
fsr-3163	284	14	.9	.9	NUM
fsr-3163	284	15	4	4	NUM
fsr-3163	284	16	8	8	NUM
fsr-3163	284	17	in	in	ADP
fsr-3163	284	18	v	v	NUM
fsr-3163	284	19	es	es	ADP
fsr-3163	284	20	tm	tm	NOUN
fsr-3163	284	21	en	en	X
fsr-3163	284	22	ts	ts	X
fsr-3163	284	23	(	(	PUNCT
fsr-3163	284	24	r	r	NOUN
fsr-3163	284	25	et	et	VERB
fsr-3163	284	26	ir	ir	VERB
fsr-3163	284	27	em	em	PRON
fsr-3163	284	28	en	en	PROPN
fsr-3163	284	29	t	t	PROPN
fsr-3163	284	30	an	an	PROPN
fsr-3163	284	31	d	d	PROPN
fsr-3163	284	32	n	n	ADP
fsr-3163	284	33	o	o	NOUN
fsr-3163	284	34	n	n	CCONJ
fsr-3163	284	35	-r	-r	INTJ
fsr-3163	284	36	et	et	NOUN
fsr-3163	284	37	ir	ir	VERB
fsr-3163	284	38	em	em	PRON
fsr-3163	284	39	en	en	PROPN
fsr-3163	284	40	t	t	PROPN
fsr-3163	284	41	)	)	PUNCT
fsr-3163	284	42	:	:	PUNCT
fsr-3163	284	43	r	r	NOUN
fsr-3163	284	44	ef	ef	PROPN
fsr-3163	284	45	er	er	INTJ
fsr-3163	284	46	en	en	X
fsr-3163	284	47	ce	ce	PROPN
fsr-3163	284	48	ca	can	AUX
fsr-3163	284	49	te	te	VERB
fsr-3163	284	50	g	g	PROPN
fsr-3163	284	51	o	o	X
fsr-3163	284	52	ry	ry	NOUN
fsr-3163	284	53	=	=	SYM
fsr-3163	284	54	y	y	PROPN
fsr-3163	284	55	es	es	NOUN
fsr-3163	284	56	n	n	INTJ
fsr-3163	284	57	o	o	NOUN
fsr-3163	284	58	0	0	PUNCT
fsr-3163	285	1	.4	.4	NUM
fsr-3163	285	2	7	7	NUM
fsr-3163	285	3	8	8	NUM
fsr-3163	285	4	*	*	PUNCT
fsr-3163	286	1	*	*	PUNCT
fsr-3163	286	2	*	*	PUNCT
fsr-3163	286	3	1	1	NUM
fsr-3163	286	4	.6	.6	NUM
fsr-3163	286	5	1	1	NUM
fsr-3163	286	6	3	3	NUM
fsr-3163	286	7	�	�	PROPN
fsr-3163	286	8	0	0	NUM
fsr-3163	286	9	.2	.2	NUM
fsr-3163	286	10	7	7	NUM
fsr-3163	286	11	3	3	NUM
fsr-3163	286	12	*	*	SYM
fsr-3163	286	13	0	0	NUM
fsr-3163	286	14	.7	.7	NUM
fsr-3163	286	15	6	6	NUM
fsr-3163	286	16	1	1	NUM
fsr-3163	286	17	0	0	NUM
fsr-3163	286	18	.1	.1	NUM
fsr-3163	286	19	6	6	NUM
fsr-3163	286	20	8	8	NUM
fsr-3163	286	21	1	1	NUM
fsr-3163	286	22	.1	.1	NUM
fsr-3163	286	23	8	8	NUM
fsr-3163	286	24	3	3	NUM
fsr-3163	286	25	�	�	PROPN
fsr-3163	286	26	0	0	NUM
fsr-3163	286	27	.1	.1	NUM
fsr-3163	286	28	5	5	NUM
fsr-3163	286	29	0	0	NUM
fsr-3163	286	30	0	0	NUM
fsr-3163	286	31	.8	.8	NUM
fsr-3163	286	32	6	6	NUM
fsr-3163	286	33	0	0	NUM
fsr-3163	286	34	0	0	NUM
fsr-3163	286	35	.8	.8	NUM
fsr-3163	286	36	1	1	NUM
fsr-3163	286	37	4	4	NUM
fsr-3163	286	38	*	*	PUNCT
fsr-3163	287	1	*	*	PUNCT
fsr-3163	287	2	*	*	PUNCT
fsr-3163	287	3	2	2	NUM
fsr-3163	288	1	.2	.2	NUM
fsr-3163	288	2	5	5	NUM
fsr-3163	288	3	8	8	NUM
fsr-3163	288	4	0	0	NUM
fsr-3163	288	5	.1	.1	NUM
fsr-3163	288	6	2	2	NUM
fsr-3163	288	7	2	2	NUM
fsr-3163	288	8	1	1	NUM
fsr-3163	288	9	.1	.1	NUM
fsr-3163	288	10	2	2	NUM
fsr-3163	288	11	9	9	NUM
fsr-3163	288	12	n	n	NUM
fsr-3163	288	13	o	o	NOUN
fsr-3163	288	14	te	te	ADP
fsr-3163	288	15	s.	s.	PROPN
fsr-3163	288	16	t	t	PROPN
fsr-3163	288	17	h	h	PROPN
fsr-3163	288	18	e	e	NOUN
fsr-3163	288	19	ex	ex	NOUN
fsr-3163	288	20	p	p	X
fsr-3163	288	21	o	o	X
fsr-3163	288	22	n	n	X
fsr-3163	288	23	en	en	ADP
fsr-3163	288	24	ti	ti	X
fsr-3163	288	25	at	at	ADP
fsr-3163	288	26	ed	ed	PROPN
fsr-3163	288	27	co	co	PROPN
fsr-3163	288	28	ef	ef	PROPN
fsr-3163	288	29	fi	fi	PROPN
fsr-3163	288	30	ci	ci	PROPN
fsr-3163	288	31	en	en	PROPN
fsr-3163	288	32	t	t	PROPN
fsr-3163	288	33	m	m	PROPN
fsr-3163	288	34	in	in	ADP
fsr-3163	288	35	u	u	PROPN
fsr-3163	288	36	s	s	PROPN
fsr-3163	288	37	o	o	NOUN
fsr-3163	288	38	n	n	ADP
fsr-3163	288	39	e	e	X
fsr-3163	288	40	an	an	PROPN
fsr-3163	288	41	d	d	X
fsr-3163	288	42	ti	ti	NOUN
fsr-3163	288	43	m	m	NOUN
fsr-3163	288	44	es	es	ADJ
fsr-3163	288	45	1	1	NUM
fsr-3163	288	46	0	0	NUM
fsr-3163	288	47	0	0	NUM
fsr-3163	288	48	g	g	NOUN
fsr-3163	288	49	iv	iv	ADP
fsr-3163	288	50	es	es	ADP
fsr-3163	288	51	th	th	X
fsr-3163	288	52	e	e	X
fsr-3163	288	53	p	p	X
fsr-3163	288	54	er	er	INTJ
fsr-3163	288	55	ce	ce	PROPN
fsr-3163	288	56	n	n	X
fsr-3163	288	57	ta	ta	X
fsr-3163	288	58	g	g	PROPN
fsr-3163	288	59	e	e	PROPN
fsr-3163	288	60	in	in	ADP
fsr-3163	288	61	cr	cr	X
fsr-3163	288	62	ea	ea	X
fsr-3163	288	63	se	se	X
fsr-3163	289	1	o	o	X
fsr-3163	289	2	r	r	NOUN
fsr-3163	289	3	d	d	X
fsr-3163	289	4	ec	ec	PROPN
fsr-3163	289	5	re	re	X
fsr-3163	289	6	as	as	ADP
fsr-3163	289	7	e	e	PROPN
fsr-3163	289	8	d	d	X
fsr-3163	289	9	u	u	X
fsr-3163	289	10	e	e	NOUN
fsr-3163	289	11	to	to	ADP
fsr-3163	289	12	a	a	DET
fsr-3163	289	13	o	o	NOUN
fsr-3163	289	14	n	n	CCONJ
fsr-3163	289	15	eu	eu	PROPN
fsr-3163	290	1	n	n	ADV
fsr-3163	290	2	it	it	PRON
fsr-3163	290	3	ch	ch	VERB
fsr-3163	290	4	an	an	DET
fsr-3163	290	5	g	g	PROPN
fsr-3163	290	6	e	e	NOUN
fsr-3163	290	7	in	in	ADP
fsr-3163	290	8	th	th	NUM
fsr-3163	290	9	e	e	NOUN
fsr-3163	290	10	in	in	ADP
fsr-3163	290	11	d	d	PROPN
fsr-3163	290	12	ep	ep	PROPN
fsr-3163	291	1	en	en	PROPN
fsr-3163	291	2	d	d	PROPN
fsr-3163	291	3	en	en	PROPN
fsr-3163	291	4	t	t	PROPN
fsr-3163	291	5	v	v	PROPN
fsr-3163	291	6	ar	ar	PROPN
fsr-3163	291	7	iab	iab	PROPN
fsr-3163	291	8	le	le	PROPN
fsr-3163	291	9	.	.	PUNCT
fsr-3163	292	1	t	t	PROPN
fsr-3163	292	2	h	h	NOUN
fsr-3163	292	3	e	e	X
fsr-3163	292	4	re	re	X
fsr-3163	292	5	fe	fe	X
fsr-3163	292	6	re	re	X
fsr-3163	292	7	n	n	PROPN
fsr-3163	292	8	ce	ce	PROPN
fsr-3163	292	9	ca	can	AUX
fsr-3163	292	10	te	te	VERB
fsr-3163	292	11	g	g	PROPN
fsr-3163	292	12	o	o	X
fsr-3163	292	13	ry	ry	INTJ
fsr-3163	293	1	fo	fo	INTJ
fsr-3163	293	2	r	r	NOUN
fsr-3163	293	3	th	th	X
fsr-3163	293	4	e	e	NOUN
fsr-3163	293	5	m	m	NOUN
fsr-3163	293	6	o	o	X
fsr-3163	293	7	d	d	X
fsr-3163	293	8	el	el	PROPN
fsr-3163	293	9	is	be	AUX
fsr-3163	293	10	th	th	X
fsr-3163	293	11	e	e	X
fsr-3163	293	12	av	av	PROPN
fsr-3163	293	13	er	er	INTJ
fsr-3163	293	14	ag	ag	PROPN
fsr-3163	293	15	e	e	PROPN
fsr-3163	293	16	fi	fi	NOUN
fsr-3163	293	17	n	n	CCONJ
fsr-3163	293	18	an	an	DET
fsr-3163	293	19	ci	ci	PROPN
fsr-3163	293	20	al	al	PROPN
fsr-3163	293	21	w	w	PROPN
fsr-3163	293	22	el	el	PROPN
fsr-3163	293	23	lb	lb	INTJ
fsr-3163	293	24	ei	ei	NOUN
fsr-3163	294	1	n	n	ADV
fsr-3163	294	2	g	g	NOUN
fsr-3163	294	3	g	g	PROPN
fsr-3163	294	4	ro	ro	X
fsr-3163	295	1	u	u	PROPN
fsr-3163	295	2	p	p	PROPN
fsr-3163	295	3	.	.	PUNCT
fsr-3163	296	1	*	*	PUNCT
fsr-3163	296	2	p	p	X
fsr-3163	296	3	<	<	X
fsr-3163	296	4	.0	.0	NUM
fsr-3163	296	5	5	5	NUM
fsr-3163	296	6	,	,	PUNCT
fsr-3163	296	7	*	*	PUNCT
fsr-3163	296	8	*	*	PUNCT
fsr-3163	297	1	p	p	X
fsr-3163	297	2	<	<	X
fsr-3163	297	3	.0	.0	NUM
fsr-3163	297	4	1	1	NUM
fsr-3163	297	5	,	,	PUNCT
fsr-3163	297	6	*	*	PUNCT
fsr-3163	298	1	*	*	PUNCT
fsr-3163	298	2	*	*	PUNCT
fsr-3163	298	3	p	p	X
fsr-3163	298	4	<	<	X
fsr-3163	298	5	.0	.0	NUM
fsr-3163	298	6	0	0	NUM
fsr-3163	298	7	1	1	NUM
fsr-3163	298	8	.	.	PUNCT
fsr-3163	299	1	332	332	NUM
fsr-3163	299	2	c.	c.	PROPN
fsr-3163	299	3	w.	w.	PROPN
fsr-3163	299	4	copeland	copeland	PROPN
fsr-3163	299	5	et	et	PROPN
fsr-3163	299	6	al	al	PROPN
fsr-3163	299	7	.	.	PUNCT
fsr-3163	299	8	/	/	SYM
fsr-3163	299	9	financial	financial	ADJ
fsr-3163	299	10	services	service	NOUN
fsr-3163	299	11	review	review	VERB
fsr-3163	299	12	30	30	NUM
fsr-3163	299	13	(	(	PUNCT
fsr-3163	299	14	2022	2022	NUM
fsr-3163	299	15	)	)	PUNCT
fsr-3163	300	1	321–336	321–336	NUM
fsr-3163	300	2	who	who	PRON
fsr-3163	300	3	were	be	AUX
fsr-3163	300	4	not	not	PART
fsr-3163	300	5	homeowners	homeowner	NOUN
fsr-3163	300	6	had	have	VERB
fsr-3163	300	7	a	a	DET
fsr-3163	300	8	score	score	NOUN
fsr-3163	300	9	significant	significant	ADJ
fsr-3163	300	10	enough	enough	ADV
fsr-3163	300	11	to	to	PART
fsr-3163	300	12	be	be	AUX
fsr-3163	300	13	included	include	VERB
fsr-3163	300	14	in	in	ADP
fsr-3163	300	15	the	the	DET
fsr-3163	300	16	group	group	NOUN
fsr-3163	300	17	with	with	ADP
fsr-3163	300	18	a	a	DET
fsr-3163	300	19	low	low	ADJ
fsr-3163	300	20	level	level	NOUN
fsr-3163	300	21	of	of	ADP
fsr-3163	300	22	financial	financial	ADJ
fsr-3163	300	23	well	well	NOUN
fsr-3163	300	24	-	-	PUNCT
fsr-3163	300	25	being	being	NOUN
fsr-3163	300	26	compared	compare	VERB
fsr-3163	300	27	with	with	ADP
fsr-3163	300	28	the	the	DET
fsr-3163	300	29	average	average	ADJ
fsr-3163	300	30	level	level	NOUN
fsr-3163	300	31	.	.	PUNCT
fsr-3163	301	1	homeownership	homeownership	NOUN
fsr-3163	301	2	was	be	AUX
fsr-3163	301	3	not	not	PART
fsr-3163	301	4	significant	significant	ADJ
fsr-3163	301	5	for	for	ADP
fsr-3163	301	6	white	white	ADJ
fsr-3163	301	7	americans	americans	PROPN
fsr-3163	301	8	and	and	CCONJ
fsr-3163	301	9	other	other	ADJ
fsr-3163	301	10	americans	americans	PROPN
fsr-3163	301	11	.	.	PUNCT
fsr-3163	302	1	not	not	PART
fsr-3163	302	2	having	have	VERB
fsr-3163	302	3	an	an	DET
fsr-3163	302	4	investment	investment	NOUN
fsr-3163	302	5	account	account	NOUN
fsr-3163	302	6	(	(	PUNCT
fsr-3163	302	7	retirement	retirement	NOUN
fsr-3163	302	8	and	and	CCONJ
fsr-3163	302	9	non	non	ADJ
fsr-3163	302	10	-	-	NOUN
fsr-3163	302	11	retirement	retirement	NOUN
fsr-3163	302	12	)	)	PUNCT
fsr-3163	302	13	was	be	AUX
fsr-3163	302	14	significant	significant	ADJ
fsr-3163	302	15	for	for	ADP
fsr-3163	302	16	white	white	ADJ
fsr-3163	302	17	americans	americans	PROPN
fsr-3163	302	18	(	(	PUNCT
fsr-3163	302	19	61.3	61.3	NUM
fsr-3163	302	20	%	%	NOUN
fsr-3163	302	21	,	,	PUNCT
fsr-3163	302	22	p	p	X
fsr-3163	302	23	<	<	X
fsr-3163	302	24	.001	.001	NUM
fsr-3163	302	25	)	)	PUNCT
fsr-3163	302	26	and	and	CCONJ
fsr-3163	302	27	other	other	ADJ
fsr-3163	302	28	americans	americans	PROPN
fsr-3163	302	29	(	(	PUNCT
fsr-3163	302	30	125.8	125.8	NUM
fsr-3163	302	31	%	%	NOUN
fsr-3163	302	32	,	,	PUNCT
fsr-3163	302	33	p	p	X
fsr-3163	302	34	<	<	X
fsr-3163	302	35	.001	.001	NUM
fsr-3163	302	36	)	)	PUNCT
fsr-3163	302	37	,	,	PUNCT
fsr-3163	302	38	indicating	indicate	VERB
fsr-3163	302	39	their	their	PRON
fsr-3163	302	40	membership	membership	NOUN
fsr-3163	302	41	in	in	ADP
fsr-3163	302	42	the	the	DET
fsr-3163	302	43	group	group	NOUN
fsr-3163	302	44	with	with	ADP
fsr-3163	302	45	a	a	DET
fsr-3163	302	46	low	low	ADJ
fsr-3163	302	47	level	level	NOUN
fsr-3163	302	48	of	of	ADP
fsr-3163	302	49	financial	financial	ADJ
fsr-3163	302	50	well	well	NOUN
fsr-3163	302	51	-	-	PUNCT
fsr-3163	302	52	being	being	NOUN
fsr-3163	302	53	.	.	PUNCT
fsr-3163	303	1	surprisingly	surprisingly	ADV
fsr-3163	303	2	,	,	PUNCT
fsr-3163	303	3	not	not	PART
fsr-3163	303	4	having	have	VERB
fsr-3163	303	5	an	an	DET
fsr-3163	303	6	investment	investment	NOUN
fsr-3163	303	7	account	account	NOUN
fsr-3163	303	8	was	be	AUX
fsr-3163	303	9	not	not	PART
fsr-3163	303	10	significant	significant	ADJ
fsr-3163	303	11	for	for	ADP
fsr-3163	303	12	african	african	ADJ
fsr-3163	303	13	americans	americans	PROPN
fsr-3163	303	14	.	.	PUNCT
fsr-3163	304	1	unexpectedly	unexpectedly	ADV
fsr-3163	304	2	,	,	PUNCT
fsr-3163	304	3	the	the	DET
fsr-3163	304	4	age	age	NOUN
fsr-3163	304	5	group	group	NOUN
fsr-3163	304	6	and	and	CCONJ
fsr-3163	304	7	marital	marital	ADJ
fsr-3163	304	8	status	status	NOUN
fsr-3163	304	9	had	have	VERB
fsr-3163	304	10	no	no	DET
fsr-3163	304	11	significant	significant	ADJ
fsr-3163	304	12	impact	impact	NOUN
fsr-3163	304	13	on	on	ADP
fsr-3163	304	14	the	the	DET
fsr-3163	304	15	respondents	respondent	NOUN
fsr-3163	304	16	’	'	PUNCT
fsr-3163	304	17	financial	financial	ADJ
fsr-3163	304	18	well	well	ADV
fsr-3163	304	19	-	-	PUNCT
fsr-3163	304	20	being	be	AUX
fsr-3163	304	21	levels	level	NOUN
fsr-3163	304	22	compared	compare	VERB
fsr-3163	304	23	with	with	ADP
fsr-3163	304	24	the	the	DET
fsr-3163	304	25	average	average	ADJ
fsr-3163	304	26	-	-	PUNCT
fsr-3163	304	27	level	level	NOUN
fsr-3163	304	28	and	and	CCONJ
fsr-3163	304	29	the	the	DET
fsr-3163	304	30	low	low	ADJ
fsr-3163	304	31	-	-	PUNCT
fsr-3163	304	32	level	level	NOUN
fsr-3163	304	33	financial	financial	ADJ
fsr-3163	304	34	well	well	NOUN
fsr-3163	304	35	-	-	PUNCT
fsr-3163	304	36	being	being	NOUN
fsr-3163	304	37	.	.	PUNCT
fsr-3163	305	1	7.4	7.4	NUM
fsr-3163	305	2	.	.	PUNCT
fsr-3163	306	1	average	average	ADJ
fsr-3163	306	2	-	-	PUNCT
fsr-3163	306	3	level	level	NOUN
fsr-3163	306	4	versus	versus	ADP
fsr-3163	306	5	high	high	ADJ
fsr-3163	306	6	-	-	PUNCT
fsr-3163	306	7	level	level	NOUN
fsr-3163	306	8	financial	financial	ADJ
fsr-3163	306	9	well	well	NOUN
fsr-3163	306	10	-	-	PUNCT
fsr-3163	306	11	being	be	AUX
fsr-3163	306	12	the	the	DET
fsr-3163	306	13	second	second	ADJ
fsr-3163	306	14	model	model	NOUN
fsr-3163	306	15	(	(	PUNCT
fsr-3163	306	16	table	table	NOUN
fsr-3163	306	17	3	3	NUM
fsr-3163	306	18	,	,	PUNCT
fsr-3163	306	19	high	high	ADJ
fsr-3163	306	20	[	[	X
fsr-3163	306	21	column	column	NOUN
fsr-3163	306	22	heading	head	VERB
fsr-3163	306	23	]	]	PUNCT
fsr-3163	306	24	)	)	PUNCT
fsr-3163	306	25	in	in	ADP
fsr-3163	306	26	the	the	DET
fsr-3163	306	27	multinomial	multinomial	ADJ
fsr-3163	306	28	logistic	logistic	ADJ
fsr-3163	306	29	analysis	analysis	NOUN
fsr-3163	306	30	estimated	estimate	VERB
fsr-3163	306	31	the	the	DET
fsr-3163	306	32	likelihood	likelihood	NOUN
fsr-3163	306	33	that	that	SCONJ
fsr-3163	306	34	a	a	DET
fsr-3163	306	35	person	person	NOUN
fsr-3163	306	36	would	would	AUX
fsr-3163	306	37	belong	belong	VERB
fsr-3163	306	38	to	to	ADP
fsr-3163	306	39	the	the	DET
fsr-3163	306	40	average	average	ADJ
fsr-3163	306	41	-	-	PUNCT
fsr-3163	306	42	level	level	NOUN
fsr-3163	306	43	financial	financial	ADJ
fsr-3163	306	44	well	well	ADV
fsr-3163	306	45	-	-	PUNCT
fsr-3163	306	46	being	be	AUX
fsr-3163	306	47	group	group	NOUN
fsr-3163	306	48	compared	compare	VERB
fsr-3163	306	49	with	with	ADP
fsr-3163	306	50	the	the	DET
fsr-3163	306	51	high	high	ADJ
fsr-3163	306	52	-	-	PUNCT
fsr-3163	306	53	level	level	NOUN
fsr-3163	306	54	financial	financial	ADJ
fsr-3163	306	55	well	well	ADV
fsr-3163	306	56	-	-	PUNCT
fsr-3163	306	57	being	being	NOUN
fsr-3163	306	58	group	group	NOUN
fsr-3163	306	59	.	.	PUNCT
fsr-3163	307	1	an	an	DET
fsr-3163	307	2	analysis	analysis	NOUN
fsr-3163	307	3	of	of	ADP
fsr-3163	307	4	americans	americans	PROPN
fsr-3163	307	5	’	’	PART
fsr-3163	307	6	age	age	NOUN
fsr-3163	307	7	groups	group	NOUN
fsr-3163	307	8	and	and	CCONJ
fsr-3163	307	9	financial	financial	ADJ
fsr-3163	307	10	well	well	ADV
fsr-3163	307	11	-	-	PUNCT
fsr-3163	307	12	being	being	NOUN
fsr-3163	307	13	revealed	reveal	VERB
fsr-3163	307	14	that	that	SCONJ
fsr-3163	307	15	the	the	DET
fsr-3163	307	16	relation	relation	NOUN
fsr-3163	307	17	between	between	ADP
fsr-3163	307	18	these	these	DET
fsr-3163	307	19	variables	variable	NOUN
fsr-3163	307	20	was	be	AUX
fsr-3163	307	21	only	only	ADV
fsr-3163	307	22	significant	significant	ADJ
fsr-3163	307	23	for	for	ADP
fsr-3163	307	24	white	white	ADJ
fsr-3163	307	25	americans	americans	PROPN
fsr-3163	307	26	with	with	ADP
fsr-3163	307	27	high	high	ADJ
fsr-3163	307	28	-	-	PUNCT
fsr-3163	307	29	level	level	NOUN
fsr-3163	307	30	financial	financial	ADJ
fsr-3163	307	31	well	well	NOUN
fsr-3163	307	32	-	-	PUNCT
fsr-3163	307	33	being	being	NOUN
fsr-3163	307	34	compared	compare	VERB
fsr-3163	307	35	with	with	ADP
fsr-3163	307	36	the	the	DET
fsr-3163	307	37	average	average	ADJ
fsr-3163	307	38	group	group	NOUN
fsr-3163	307	39	.	.	PUNCT
fsr-3163	308	1	white	white	ADJ
fsr-3163	308	2	respondents	respondent	NOUN
fsr-3163	308	3	in	in	ADP
fsr-3163	308	4	the	the	DET
fsr-3163	308	5	35–54	35–54	NUM
fsr-3163	308	6	age	age	NOUN
fsr-3163	308	7	group	group	NOUN
fsr-3163	308	8	were	be	AUX
fsr-3163	308	9	42.8	42.8	NUM
fsr-3163	308	10	%	%	NOUN
fsr-3163	308	11	(	(	PUNCT
fsr-3163	308	12	p	p	X
fsr-3163	308	13	<	<	X
fsr-3163	308	14	.01	.01	NUM
fsr-3163	308	15	)	)	PUNCT
fsr-3163	308	16	less	less	ADV
fsr-3163	308	17	likely	likely	ADJ
fsr-3163	308	18	to	to	PART
fsr-3163	308	19	be	be	AUX
fsr-3163	308	20	classified	classify	VERB
fsr-3163	308	21	in	in	ADP
fsr-3163	308	22	the	the	DET
fsr-3163	308	23	high	high	ADJ
fsr-3163	308	24	-	-	PUNCT
fsr-3163	308	25	level	level	NOUN
fsr-3163	308	26	financial	financial	ADJ
fsr-3163	308	27	well	well	NOUN
fsr-3163	308	28	-	-	PUNCT
fsr-3163	308	29	being	be	AUX
fsr-3163	308	30	category	category	NOUN
fsr-3163	308	31	than	than	ADP
fsr-3163	308	32	the	the	DET
fsr-3163	308	33	respondents	respondent	NOUN
fsr-3163	308	34	aged	age	VERB
fsr-3163	308	35	70	70	NUM
fsr-3163	308	36	and	and	CCONJ
fsr-3163	308	37	older	old	ADJ
fsr-3163	308	38	.	.	PUNCT
fsr-3163	309	1	the	the	DET
fsr-3163	309	2	scores	score	NOUN
fsr-3163	309	3	of	of	ADP
fsr-3163	309	4	african	african	ADJ
fsr-3163	309	5	americans	americans	PROPN
fsr-3163	309	6	and	and	CCONJ
fsr-3163	309	7	other	other	ADJ
fsr-3163	309	8	americans	americans	PROPN
fsr-3163	309	9	were	be	AUX
fsr-3163	309	10	not	not	PART
fsr-3163	309	11	significant	significant	ADJ
fsr-3163	309	12	enough	enough	ADV
fsr-3163	309	13	to	to	PART
fsr-3163	309	14	be	be	AUX
fsr-3163	309	15	in	in	ADP
fsr-3163	309	16	the	the	DET
fsr-3163	309	17	range	range	NOUN
fsr-3163	309	18	of	of	ADP
fsr-3163	309	19	high	high	ADJ
fsr-3163	309	20	-	-	PUNCT
fsr-3163	309	21	level	level	NOUN
fsr-3163	309	22	financial	financial	ADJ
fsr-3163	309	23	well	well	NOUN
fsr-3163	309	24	-	-	PUNCT
fsr-3163	309	25	being	being	NOUN
fsr-3163	309	26	.	.	PUNCT
fsr-3163	310	1	conversely	conversely	ADV
fsr-3163	310	2	,	,	PUNCT
fsr-3163	310	3	when	when	SCONJ
fsr-3163	310	4	reviewing	review	VERB
fsr-3163	310	5	high	high	ADJ
fsr-3163	310	6	-	-	PUNCT
fsr-3163	310	7	level	level	NOUN
fsr-3163	310	8	financial	financial	ADJ
fsr-3163	310	9	well	well	NOUN
fsr-3163	310	10	-	-	PUNCT
fsr-3163	310	11	being	being	NOUN
fsr-3163	310	12	,	,	PUNCT
fsr-3163	310	13	education	education	NOUN
fsr-3163	310	14	level	level	NOUN
fsr-3163	310	15	played	play	VERB
fsr-3163	310	16	a	a	DET
fsr-3163	310	17	significant	significant	ADJ
fsr-3163	310	18	role	role	NOUN
fsr-3163	310	19	solely	solely	ADV
fsr-3163	310	20	for	for	ADP
fsr-3163	310	21	african	african	ADJ
fsr-3163	310	22	americans	americans	PROPN
fsr-3163	310	23	;	;	PUNCT
fsr-3163	310	24	college	college	NOUN
fsr-3163	310	25	-	-	PUNCT
fsr-3163	310	26	graduate	graduate	NOUN
fsr-3163	310	27	respondents	respondent	NOUN
fsr-3163	310	28	were	be	AUX
fsr-3163	310	29	57.4	57.4	NUM
fsr-3163	310	30	%	%	NOUN
fsr-3163	310	31	(	(	PUNCT
fsr-3163	310	32	p	p	X
fsr-3163	310	33	<	<	X
fsr-3163	310	34	.05	.05	NUM
fsr-3163	310	35	)	)	PUNCT
fsr-3163	310	36	less	less	ADV
fsr-3163	310	37	likely	likely	ADJ
fsr-3163	310	38	to	to	PART
fsr-3163	310	39	be	be	AUX
fsr-3163	310	40	classified	classify	VERB
fsr-3163	310	41	as	as	ADP
fsr-3163	310	42	having	have	VERB
fsr-3163	310	43	a	a	DET
fsr-3163	310	44	high	high	ADJ
fsr-3163	310	45	level	level	NOUN
fsr-3163	310	46	of	of	ADP
fsr-3163	310	47	financial	financial	ADJ
fsr-3163	310	48	well	well	NOUN
fsr-3163	310	49	-	-	PUNCT
fsr-3163	310	50	being	being	NOUN
fsr-3163	310	51	than	than	ADP
fsr-3163	310	52	post	post	ADJ
fsr-3163	310	53	-	-	ADJ
fsr-3163	310	54	graduate	graduate	ADJ
fsr-3163	310	55	respondents	respondent	NOUN
fsr-3163	310	56	.	.	PUNCT
fsr-3163	311	1	as	as	SCONJ
fsr-3163	311	2	expected	expect	VERB
fsr-3163	311	3	,	,	PUNCT
fsr-3163	311	4	white	white	ADJ
fsr-3163	311	5	retired	retire	VERB
fsr-3163	311	6	respondents	respondent	NOUN
fsr-3163	311	7	were	be	AUX
fsr-3163	311	8	90.7	90.7	NUM
fsr-3163	311	9	%	%	NOUN
fsr-3163	311	10	(	(	PUNCT
fsr-3163	311	11	p	p	X
fsr-3163	311	12	<	<	X
fsr-3163	311	13	.001	.001	NUM
fsr-3163	311	14	)	)	PUNCT
fsr-3163	311	15	more	more	ADV
fsr-3163	311	16	likely	likely	ADJ
fsr-3163	311	17	to	to	PART
fsr-3163	311	18	be	be	AUX
fsr-3163	311	19	included	include	VERB
fsr-3163	311	20	in	in	ADP
fsr-3163	311	21	the	the	DET
fsr-3163	311	22	high	high	ADJ
fsr-3163	311	23	-	-	PUNCT
fsr-3163	311	24	level	level	NOUN
fsr-3163	311	25	financial	financial	ADJ
fsr-3163	311	26	well	well	ADV
fsr-3163	311	27	-	-	PUNCT
fsr-3163	311	28	being	be	AUX
fsr-3163	311	29	group	group	NOUN
fsr-3163	311	30	than	than	ADP
fsr-3163	311	31	their	their	PRON
fsr-3163	311	32	unemployed	unemployed	ADJ
fsr-3163	311	33	counterparts	counterpart	NOUN
fsr-3163	311	34	.	.	PUNCT
fsr-3163	312	1	however	however	ADV
fsr-3163	312	2	,	,	PUNCT
fsr-3163	312	3	selfemployed	selfemploye	VERB
fsr-3163	312	4	african	african	ADJ
fsr-3163	312	5	american	american	ADJ
fsr-3163	312	6	respondents	respondent	NOUN
fsr-3163	312	7	were	be	AUX
fsr-3163	312	8	75.2	75.2	NUM
fsr-3163	312	9	%	%	NOUN
fsr-3163	312	10	(	(	PUNCT
fsr-3163	312	11	p	p	X
fsr-3163	312	12	<	<	X
fsr-3163	312	13	.05	.05	NUM
fsr-3163	312	14	)	)	PUNCT
fsr-3163	312	15	less	less	ADV
fsr-3163	312	16	likely	likely	ADJ
fsr-3163	312	17	to	to	PART
fsr-3163	312	18	be	be	AUX
fsr-3163	312	19	members	member	NOUN
fsr-3163	312	20	of	of	ADP
fsr-3163	312	21	the	the	DET
fsr-3163	312	22	said	say	VERB
fsr-3163	312	23	group	group	NOUN
fsr-3163	312	24	than	than	ADP
fsr-3163	312	25	their	their	PRON
fsr-3163	312	26	unemployed	unemployed	ADJ
fsr-3163	312	27	counterparts	counterpart	NOUN
fsr-3163	312	28	.	.	PUNCT
fsr-3163	313	1	employment	employment	NOUN
fsr-3163	313	2	levels	level	NOUN
fsr-3163	313	3	were	be	AUX
fsr-3163	313	4	not	not	PART
fsr-3163	313	5	significant	significant	ADJ
fsr-3163	313	6	for	for	ADP
fsr-3163	313	7	the	the	DET
fsr-3163	313	8	other	other	ADJ
fsr-3163	313	9	americans	americans	PROPN
fsr-3163	313	10	.	.	PUNCT
fsr-3163	314	1	interestingly	interestingly	ADV
fsr-3163	314	2	,	,	PUNCT
fsr-3163	314	3	the	the	DET
fsr-3163	314	4	respondents	respondent	NOUN
fsr-3163	314	5	with	with	ADP
fsr-3163	314	6	savings	saving	NOUN
fsr-3163	314	7	of	of	ADP
fsr-3163	314	8	less	less	ADJ
fsr-3163	314	9	than	than	ADP
fsr-3163	314	10	$	$	SYM
fsr-3163	314	11	5,000	5,000	NUM
fsr-3163	314	12	were	be	AUX
fsr-3163	314	13	less	less	ADV
fsr-3163	314	14	likely	likely	ADJ
fsr-3163	314	15	to	to	PART
fsr-3163	314	16	belong	belong	VERB
fsr-3163	314	17	to	to	ADP
fsr-3163	314	18	the	the	DET
fsr-3163	314	19	high	high	ADJ
fsr-3163	314	20	-	-	PUNCT
fsr-3163	314	21	level	level	NOUN
fsr-3163	314	22	financial	financial	ADJ
fsr-3163	314	23	well	well	ADV
fsr-3163	314	24	-	-	PUNCT
fsr-3163	314	25	being	be	AUX
fsr-3163	314	26	group	group	NOUN
fsr-3163	314	27	than	than	ADP
fsr-3163	314	28	the	the	DET
fsr-3163	314	29	respondents	respondent	NOUN
fsr-3163	314	30	with	with	ADP
fsr-3163	314	31	more	more	ADJ
fsr-3163	314	32	than	than	ADP
fsr-3163	314	33	$	$	SYM
fsr-3163	314	34	5,000	5,000	NUM
fsr-3163	314	35	in	in	ADP
fsr-3163	314	36	savings	saving	NOUN
fsr-3163	314	37	(	(	PUNCT
fsr-3163	314	38	white	white	ADJ
fsr-3163	314	39	americans	americans	PROPN
fsr-3163	314	40	at	at	ADP
fsr-3163	314	41	54.7	54.7	NUM
fsr-3163	314	42	%	%	NOUN
fsr-3163	314	43	,	,	PUNCT
fsr-3163	314	44	other	other	ADJ
fsr-3163	314	45	americans	americans	PROPN
fsr-3163	314	46	at	at	ADP
fsr-3163	314	47	60.6	60.6	NUM
fsr-3163	314	48	%	%	NOUN
fsr-3163	314	49	,	,	PUNCT
fsr-3163	314	50	and	and	CCONJ
fsr-3163	314	51	not	not	PART
fsr-3163	314	52	significant	significant	ADJ
fsr-3163	314	53	for	for	ADP
fsr-3163	314	54	african	african	ADJ
fsr-3163	314	55	americans	americans	PROPN
fsr-3163	314	56	)	)	PUNCT
fsr-3163	314	57	.	.	PUNCT
fsr-3163	315	1	surprisingly	surprisingly	ADV
fsr-3163	315	2	,	,	PUNCT
fsr-3163	315	3	financial	financial	ADJ
fsr-3163	315	4	knowledge	knowledge	NOUN
fsr-3163	315	5	level	level	NOUN
fsr-3163	315	6	(	(	PUNCT
fsr-3163	315	7	52.7	52.7	NUM
fsr-3163	315	8	%	%	NOUN
fsr-3163	315	9	more	more	ADV
fsr-3163	315	10	likely	likely	ADJ
fsr-3163	315	11	,	,	PUNCT
fsr-3163	315	12	p	p	X
fsr-3163	315	13	<	<	X
fsr-3163	315	14	.001	.001	NUM
fsr-3163	315	15	)	)	PUNCT
fsr-3163	315	16	,	,	PUNCT
fsr-3163	315	17	homeownership	homeownership	NOUN
fsr-3163	315	18	(	(	PUNCT
fsr-3163	315	19	34.2	34.2	NUM
fsr-3163	315	20	%	%	NOUN
fsr-3163	315	21	less	less	ADV
fsr-3163	315	22	likely	likely	ADJ
fsr-3163	315	23	,	,	PUNCT
fsr-3163	315	24	p	p	X
fsr-3163	315	25	<	<	X
fsr-3163	315	26	.01	.01	NUM
fsr-3163	315	27	)	)	PUNCT
fsr-3163	315	28	,	,	PUNCT
fsr-3163	315	29	and	and	CCONJ
fsr-3163	315	30	investment	investment	NOUN
fsr-3163	315	31	account	account	NOUN
fsr-3163	315	32	status	status	NOUN
fsr-3163	315	33	(	(	PUNCT
fsr-3163	315	34	23.9	23.9	NUM
fsr-3163	315	35	%	%	NOUN
fsr-3163	315	36	less	less	ADV
fsr-3163	315	37	likely	likely	ADJ
fsr-3163	315	38	,	,	PUNCT
fsr-3163	315	39	p	p	X
fsr-3163	315	40	<	<	X
fsr-3163	315	41	.05	.05	NUM
fsr-3163	315	42	)	)	PUNCT
fsr-3163	315	43	were	be	AUX
fsr-3163	315	44	significant	significant	ADJ
fsr-3163	315	45	solely	solely	ADV
fsr-3163	315	46	for	for	ADP
fsr-3163	315	47	white	white	ADJ
fsr-3163	315	48	americans	americans	PROPN
fsr-3163	315	49	in	in	ADP
fsr-3163	315	50	the	the	DET
fsr-3163	315	51	high	high	ADJ
fsr-3163	315	52	-	-	PUNCT
fsr-3163	315	53	level	level	NOUN
fsr-3163	315	54	financial	financial	ADJ
fsr-3163	315	55	wellbeing	wellbee	VERB
fsr-3163	315	56	group	group	NOUN
fsr-3163	315	57	when	when	SCONJ
fsr-3163	315	58	compared	compare	VERB
fsr-3163	315	59	with	with	ADP
fsr-3163	315	60	the	the	DET
fsr-3163	315	61	reference	reference	NOUN
fsr-3163	315	62	groups	group	NOUN
fsr-3163	315	63	.	.	PUNCT
fsr-3163	316	1	furthermore	furthermore	ADV
fsr-3163	316	2	,	,	PUNCT
fsr-3163	316	3	marital	marital	ADJ
fsr-3163	316	4	status	status	NOUN
fsr-3163	316	5	did	do	AUX
fsr-3163	316	6	not	not	PART
fsr-3163	316	7	appear	appear	VERB
fsr-3163	316	8	to	to	PART
fsr-3163	316	9	significantly	significantly	ADV
fsr-3163	316	10	affect	affect	VERB
fsr-3163	316	11	the	the	DET
fsr-3163	316	12	respondents	respondent	NOUN
fsr-3163	316	13	’	'	PUNCT
fsr-3163	316	14	financial	financial	ADJ
fsr-3163	316	15	well	well	ADV
fsr-3163	316	16	-	-	PUNCT
fsr-3163	316	17	being	being	NOUN
fsr-3163	316	18	at	at	ADP
fsr-3163	316	19	a	a	DET
fsr-3163	316	20	high	high	ADJ
fsr-3163	316	21	level	level	NOUN
fsr-3163	316	22	.	.	PUNCT
fsr-3163	317	1	8	8	X
fsr-3163	317	2	.	.	X
fsr-3163	317	3	discussion	discussion	NOUN
fsr-3163	317	4	consistent	consistent	ADJ
fsr-3163	317	5	with	with	ADP
fsr-3163	317	6	past	past	ADJ
fsr-3163	317	7	studies	study	NOUN
fsr-3163	317	8	(	(	PUNCT
fsr-3163	317	9	herring	herring	NOUN
fsr-3163	317	10	&	&	CCONJ
fsr-3163	317	11	henderson	henderson	PROPN
fsr-3163	317	12	,	,	PUNCT
fsr-3163	317	13	2016	2016	NUM
fsr-3163	317	14	;	;	PUNCT
fsr-3163	317	15	kochhar	kochhar	X
fsr-3163	317	16	,	,	PUNCT
fsr-3163	317	17	2014	2014	NUM
fsr-3163	317	18	)	)	PUNCT
fsr-3163	317	19	,	,	PUNCT
fsr-3163	317	20	this	this	DET
fsr-3163	317	21	study	study	NOUN
fsr-3163	317	22	found	find	VERB
fsr-3163	317	23	that	that	SCONJ
fsr-3163	317	24	high	high	ADJ
fsr-3163	317	25	-	-	PUNCT
fsr-3163	317	26	level	level	NOUN
fsr-3163	317	27	financial	financial	ADJ
fsr-3163	317	28	well	well	NOUN
fsr-3163	317	29	-	-	PUNCT
fsr-3163	317	30	being	being	NOUN
fsr-3163	317	31	was	be	AUX
fsr-3163	317	32	unlikely	unlikely	ADJ
fsr-3163	317	33	associated	associate	VERB
fsr-3163	317	34	with	with	ADP
fsr-3163	317	35	african	african	ADJ
fsr-3163	317	36	americans	americans	PROPN
fsr-3163	317	37	.	.	PUNCT
fsr-3163	318	1	c.	c.	PROPN
fsr-3163	318	2	w.	w.	PROPN
fsr-3163	318	3	copeland	copeland	PROPN
fsr-3163	318	4	et	et	PROPN
fsr-3163	318	5	al	al	PROPN
fsr-3163	318	6	.	.	PUNCT
fsr-3163	318	7	/	/	SYM
fsr-3163	318	8	financial	financial	ADJ
fsr-3163	318	9	services	service	NOUN
fsr-3163	318	10	review	review	VERB
fsr-3163	318	11	30	30	NUM
fsr-3163	318	12	(	(	PUNCT
fsr-3163	318	13	2022	2022	NUM
fsr-3163	318	14	)	)	PUNCT
fsr-3163	319	1	321–336	321–336	NUM
fsr-3163	319	2	333	333	NUM
fsr-3163	319	3	regarding	regard	VERB
fsr-3163	319	4	savings	saving	NOUN
fsr-3163	319	5	of	of	ADP
fsr-3163	319	6	$	$	SYM
fsr-3163	319	7	5,000	5,000	NUM
fsr-3163	319	8	or	or	CCONJ
fsr-3163	319	9	greater	great	ADJ
fsr-3163	319	10	,	,	PUNCT
fsr-3163	319	11	the	the	DET
fsr-3163	319	12	findings	finding	NOUN
fsr-3163	319	13	suggest	suggest	VERB
fsr-3163	319	14	that	that	SCONJ
fsr-3163	319	15	compared	compare	VERB
fsr-3163	319	16	with	with	ADP
fsr-3163	319	17	savers	saver	NOUN
fsr-3163	319	18	with	with	ADP
fsr-3163	319	19	less	less	ADJ
fsr-3163	319	20	than	than	ADP
fsr-3163	319	21	$	$	SYM
fsr-3163	319	22	5,000	5,000	NUM
fsr-3163	319	23	in	in	ADP
fsr-3163	319	24	savings	saving	NOUN
fsr-3163	319	25	,	,	PUNCT
fsr-3163	319	26	african	african	ADJ
fsr-3163	319	27	americans	americans	PROPN
fsr-3163	319	28	had	have	VERB
fsr-3163	319	29	a	a	DET
fsr-3163	319	30	stronger	strong	ADJ
fsr-3163	319	31	association	association	NOUN
fsr-3163	319	32	with	with	ADP
fsr-3163	319	33	financial	financial	ADJ
fsr-3163	319	34	security	security	NOUN
fsr-3163	319	35	and	and	CCONJ
fsr-3163	319	36	financial	financial	ADJ
fsr-3163	319	37	freedom	freedom	NOUN
fsr-3163	319	38	of	of	ADP
fsr-3163	319	39	choice	choice	NOUN
fsr-3163	319	40	.	.	PUNCT
fsr-3163	320	1	this	this	DET
fsr-3163	320	2	saving	save	VERB
fsr-3163	320	3	gap	gap	NOUN
fsr-3163	320	4	may	may	AUX
fsr-3163	320	5	be	be	AUX
fsr-3163	320	6	because	because	SCONJ
fsr-3163	320	7	african	african	ADJ
fsr-3163	320	8	americans	americans	PROPN
fsr-3163	320	9	lack	lack	VERB
fsr-3163	320	10	trust	trust	NOUN
fsr-3163	320	11	in	in	ADP
fsr-3163	320	12	the	the	DET
fsr-3163	320	13	financial	financial	ADJ
fsr-3163	320	14	markets	market	NOUN
fsr-3163	320	15	or	or	CCONJ
fsr-3163	320	16	the	the	DET
fsr-3163	320	17	banking	banking	NOUN
fsr-3163	320	18	system	system	NOUN
fsr-3163	320	19	,	,	PUNCT
fsr-3163	320	20	which	which	PRON
fsr-3163	320	21	delivers	deliver	VERB
fsr-3163	320	22	limited	limited	ADJ
fsr-3163	320	23	financial	financial	ADJ
fsr-3163	320	24	knowledge	knowledge	NOUN
fsr-3163	320	25	,	,	PUNCT
fsr-3163	320	26	such	such	ADJ
fsr-3163	320	27	as	as	ADP
fsr-3163	320	28	interest	interest	NOUN
fsr-3163	320	29	on	on	ADP
fsr-3163	320	30	savings	saving	NOUN
fsr-3163	320	31	,	,	PUNCT
fsr-3163	320	32	inflation	inflation	NOUN
fsr-3163	320	33	,	,	PUNCT
fsr-3163	320	34	bond	bond	NOUN
fsr-3163	320	35	prices	price	NOUN
fsr-3163	320	36	,	,	PUNCT
fsr-3163	320	37	and	and	CCONJ
fsr-3163	320	38	risk	risk	NOUN
fsr-3163	320	39	diversification	diversification	NOUN
fsr-3163	320	40	.	.	PUNCT
fsr-3163	321	1	limited	limited	ADJ
fsr-3163	321	2	financial	financial	ADJ
fsr-3163	321	3	knowledge	knowledge	NOUN
fsr-3163	321	4	coupled	couple	VERB
fsr-3163	321	5	with	with	ADP
fsr-3163	321	6	non	non	ADJ
fsr-3163	321	7	-	-	ADJ
fsr-3163	321	8	homeownership	homeownership	NOUN
fsr-3163	321	9	occurs	occur	VERB
fsr-3163	321	10	at	at	ADP
fsr-3163	321	11	the	the	DET
fsr-3163	321	12	stage	stage	NOUN
fsr-3163	321	13	of	of	ADP
fsr-3163	321	14	life	life	NOUN
fsr-3163	321	15	when	when	SCONJ
fsr-3163	321	16	african	african	ADJ
fsr-3163	321	17	americans	americans	PROPN
fsr-3163	321	18	are	be	AUX
fsr-3163	321	19	working	work	VERB
fsr-3163	321	20	and	and	CCONJ
fsr-3163	321	21	are	be	AUX
fsr-3163	321	22	less	less	ADV
fsr-3163	321	23	likely	likely	ADJ
fsr-3163	321	24	to	to	PART
fsr-3163	321	25	adhere	adhere	VERB
fsr-3163	321	26	to	to	ADP
fsr-3163	321	27	financial	financial	ADJ
fsr-3163	321	28	planning	planning	NOUN
fsr-3163	321	29	for	for	ADP
fsr-3163	321	30	long	long	ADJ
fsr-3163	321	31	-	-	PUNCT
fsr-3163	321	32	term	term	NOUN
fsr-3163	321	33	goals	goal	NOUN
fsr-3163	321	34	.	.	PUNCT
fsr-3163	322	1	compared	compare	VERB
fsr-3163	322	2	with	with	ADP
fsr-3163	322	3	demographic	demographic	ADJ
fsr-3163	322	4	factors	factor	NOUN
fsr-3163	322	5	(	(	PUNCT
fsr-3163	322	6	formal	formal	ADJ
fsr-3163	322	7	education	education	NOUN
fsr-3163	322	8	level	level	NOUN
fsr-3163	322	9	and	and	CCONJ
fsr-3163	322	10	employment	employment	NOUN
fsr-3163	322	11	status	status	NOUN
fsr-3163	322	12	)	)	PUNCT
fsr-3163	322	13	,	,	PUNCT
fsr-3163	322	14	each	each	DET
fsr-3163	322	15	financial	financial	ADJ
fsr-3163	322	16	well	well	ADV
fsr-3163	322	17	-	-	PUNCT
fsr-3163	322	18	being	being	NOUN
fsr-3163	322	19	level	level	NOUN
fsr-3163	322	20	examined	examine	VERB
fsr-3163	322	21	in	in	ADP
fsr-3163	322	22	this	this	DET
fsr-3163	322	23	study	study	NOUN
fsr-3163	322	24	(	(	PUNCT
fsr-3163	322	25	low	low	ADJ
fsr-3163	322	26	,	,	PUNCT
fsr-3163	322	27	middle	middle	ADJ
fsr-3163	322	28	,	,	PUNCT
fsr-3163	322	29	or	or	CCONJ
fsr-3163	322	30	average	average	ADJ
fsr-3163	322	31	,	,	PUNCT
fsr-3163	322	32	high	high	ADJ
fsr-3163	322	33	)	)	PUNCT
fsr-3163	322	34	showed	show	VERB
fsr-3163	322	35	a	a	DET
fsr-3163	322	36	relatively	relatively	ADV
fsr-3163	322	37	small	small	ADJ
fsr-3163	322	38	association	association	NOUN
fsr-3163	322	39	with	with	ADP
fsr-3163	322	40	objective	objective	ADJ
fsr-3163	322	41	african	african	ADJ
fsr-3163	322	42	american	american	ADJ
fsr-3163	322	43	financial	financial	ADJ
fsr-3163	322	44	wellbeing	wellbeing	NOUN
fsr-3163	322	45	.	.	PUNCT
fsr-3163	323	1	this	this	DET
fsr-3163	323	2	finding	finding	NOUN
fsr-3163	323	3	implies	imply	VERB
fsr-3163	323	4	that	that	SCONJ
fsr-3163	323	5	understanding	understand	VERB
fsr-3163	323	6	one	one	NUM
fsr-3163	323	7	’s	’s	PART
fsr-3163	323	8	financial	financial	ADJ
fsr-3163	323	9	situation	situation	NOUN
fsr-3163	323	10	and	and	CCONJ
fsr-3163	323	11	financial	financial	ADJ
fsr-3163	323	12	capability	capability	NOUN
fsr-3163	323	13	can	can	AUX
fsr-3163	323	14	address	address	VERB
fsr-3163	323	15	financial	financial	ADJ
fsr-3163	323	16	wellness	wellness	NOUN
fsr-3163	323	17	deficiencies	deficiency	NOUN
fsr-3163	323	18	for	for	ADP
fsr-3163	323	19	all	all	DET
fsr-3163	323	20	households	household	NOUN
fsr-3163	323	21	,	,	PUNCT
fsr-3163	323	22	regardless	regardless	ADV
fsr-3163	323	23	of	of	ADP
fsr-3163	323	24	their	their	PRON
fsr-3163	323	25	levels	level	NOUN
fsr-3163	323	26	of	of	ADP
fsr-3163	323	27	financial	financial	ADJ
fsr-3163	323	28	well	well	NOUN
fsr-3163	323	29	-	-	PUNCT
fsr-3163	323	30	being	being	NOUN
fsr-3163	323	31	.	.	PUNCT
fsr-3163	324	1	this	this	DET
fsr-3163	324	2	study	study	NOUN
fsr-3163	324	3	’s	’s	PART
fsr-3163	324	4	findings	finding	NOUN
fsr-3163	324	5	that	that	SCONJ
fsr-3163	324	6	financial	financial	ADJ
fsr-3163	324	7	well	well	ADV
fsr-3163	324	8	-	-	PUNCT
fsr-3163	324	9	being	being	NOUN
fsr-3163	324	10	had	have	AUX
fsr-3163	324	11	a	a	DET
fsr-3163	324	12	positive	positive	ADJ
fsr-3163	324	13	association	association	NOUN
fsr-3163	324	14	with	with	ADP
fsr-3163	324	15	the	the	DET
fsr-3163	324	16	selfreported	selfreporte	VERB
fsr-3163	324	17	savings	saving	NOUN
fsr-3163	324	18	level	level	NOUN
fsr-3163	324	19	and	and	CCONJ
fsr-3163	324	20	the	the	DET
fsr-3163	324	21	self	self	NOUN
fsr-3163	324	22	-	-	PUNCT
fsr-3163	324	23	reported	report	VERB
fsr-3163	324	24	homeownership	homeownership	NOUN
fsr-3163	324	25	status	status	NOUN
fsr-3163	324	26	underscore	underscore	VERB
fsr-3163	324	27	the	the	DET
fsr-3163	324	28	importance	importance	NOUN
fsr-3163	324	29	of	of	ADP
fsr-3163	324	30	shaping	shape	VERB
fsr-3163	324	31	trust	trust	NOUN
fsr-3163	324	32	in	in	ADP
fsr-3163	324	33	the	the	DET
fsr-3163	324	34	financial	financial	ADJ
fsr-3163	324	35	sector	sector	NOUN
fsr-3163	324	36	’s	’s	PART
fsr-3163	324	37	impact	impact	NOUN
fsr-3163	324	38	on	on	ADP
fsr-3163	324	39	african	african	ADJ
fsr-3163	324	40	americans	americans	PROPN
fsr-3163	324	41	’	'	PUNCT
fsr-3163	324	42	upward	upward	ADJ
fsr-3163	324	43	financial	financial	ADJ
fsr-3163	324	44	mobility	mobility	NOUN
fsr-3163	324	45	.	.	PUNCT
fsr-3163	325	1	interestingly	interestingly	ADV
fsr-3163	325	2	,	,	PUNCT
fsr-3163	325	3	savings	saving	NOUN
fsr-3163	325	4	of	of	ADP
fsr-3163	325	5	$	$	SYM
fsr-3163	325	6	5,000	5,000	NUM
fsr-3163	325	7	or	or	CCONJ
fsr-3163	325	8	greater	great	ADJ
fsr-3163	325	9	had	have	VERB
fsr-3163	325	10	a	a	DET
fsr-3163	325	11	tremendous	tremendous	ADJ
fsr-3163	325	12	positive	positive	ADJ
fsr-3163	325	13	impact	impact	NOUN
fsr-3163	325	14	on	on	ADP
fsr-3163	325	15	self	self	NOUN
fsr-3163	325	16	-	-	PUNCT
fsr-3163	325	17	reported	report	VERB
fsr-3163	325	18	savings	saving	NOUN
fsr-3163	325	19	,	,	PUNCT
fsr-3163	325	20	suggesting	suggest	VERB
fsr-3163	325	21	that	that	SCONJ
fsr-3163	325	22	ethnicity	ethnicity	NOUN
fsr-3163	325	23	affects	affect	VERB
fsr-3163	325	24	whether	whether	SCONJ
fsr-3163	325	25	an	an	DET
fsr-3163	325	26	individual	individual	NOUN
fsr-3163	325	27	is	be	AUX
fsr-3163	325	28	exposed	expose	VERB
fsr-3163	325	29	to	to	ADP
fsr-3163	325	30	stocks	stock	NOUN
fsr-3163	325	31	versus	versus	ADP
fsr-3163	325	32	savings	saving	NOUN
fsr-3163	325	33	at	at	ADP
fsr-3163	325	34	a	a	DET
fsr-3163	325	35	young	young	ADJ
fsr-3163	325	36	age	age	NOUN
fsr-3163	325	37	.	.	PUNCT
fsr-3163	326	1	such	such	ADJ
fsr-3163	326	2	lack	lack	NOUN
fsr-3163	326	3	of	of	ADP
fsr-3163	326	4	exposure	exposure	NOUN
fsr-3163	326	5	plays	play	VERB
fsr-3163	326	6	a	a	DET
fsr-3163	326	7	fundamental	fundamental	ADJ
fsr-3163	326	8	role	role	NOUN
fsr-3163	326	9	in	in	ADP
fsr-3163	326	10	african	african	ADJ
fsr-3163	326	11	americans	americans	PROPN
fsr-3163	326	12	’	’	PART
fsr-3163	326	13	financial	financial	ADJ
fsr-3163	326	14	well	well	ADV
fsr-3163	326	15	-	-	PUNCT
fsr-3163	326	16	being	be	AUX
fsr-3163	326	17	gap	gap	NOUN
fsr-3163	326	18	.	.	PUNCT
fsr-3163	327	1	this	this	DET
fsr-3163	327	2	finding	finding	NOUN
fsr-3163	327	3	corroborates	corroborate	VERB
fsr-3163	327	4	past	past	ADP
fsr-3163	327	5	studies	study	NOUN
fsr-3163	327	6	’	'	PUNCT
fsr-3163	327	7	results	result	NOUN
fsr-3163	327	8	showing	show	VERB
fsr-3163	327	9	that	that	SCONJ
fsr-3163	327	10	savings	saving	NOUN
fsr-3163	327	11	at	at	ADP
fsr-3163	327	12	the	the	DET
fsr-3163	327	13	expense	expense	NOUN
fsr-3163	327	14	of	of	ADP
fsr-3163	327	15	investing	invest	VERB
fsr-3163	327	16	have	have	VERB
fsr-3163	327	17	a	a	DET
fsr-3163	327	18	critical	critical	ADJ
fsr-3163	327	19	influence	influence	NOUN
fsr-3163	327	20	on	on	ADP
fsr-3163	327	21	children	child	NOUN
fsr-3163	327	22	’s	’s	PART
fsr-3163	327	23	lives	life	NOUN
fsr-3163	327	24	as	as	SCONJ
fsr-3163	327	25	they	they	PRON
fsr-3163	327	26	grow	grow	VERB
fsr-3163	327	27	up	up	ADP
fsr-3163	327	28	and	and	CCONJ
fsr-3163	327	29	continue	continue	VERB
fsr-3163	327	30	to	to	PART
fsr-3163	327	31	influence	influence	VERB
fsr-3163	327	32	the	the	DET
fsr-3163	327	33	wealth	wealth	NOUN
fsr-3163	327	34	-	-	PUNCT
fsr-3163	327	35	building	building	NOUN
fsr-3163	327	36	gap	gap	NOUN
fsr-3163	327	37	of	of	ADP
fsr-3163	327	38	their	their	PRON
fsr-3163	327	39	own	own	ADJ
fsr-3163	327	40	children	child	NOUN
fsr-3163	327	41	when	when	SCONJ
fsr-3163	327	42	they	they	PRON
fsr-3163	327	43	become	become	VERB
fsr-3163	327	44	adults	adult	NOUN
fsr-3163	327	45	(	(	PUNCT
fsr-3163	327	46	asli	asli	PROPN
fsr-3163	327	47	&	&	CCONJ
fsr-3163	327	48	elif	elif	PROPN
fsr-3163	327	49	,	,	PUNCT
fsr-3163	327	50	2019	2019	NUM
fsr-3163	327	51	;	;	PUNCT
fsr-3163	327	52	jorgensen	jorgensen	PROPN
fsr-3163	327	53	&	&	CCONJ
fsr-3163	327	54	savla	savla	PROPN
fsr-3163	327	55	,	,	PUNCT
fsr-3163	327	56	2010	2010	NUM
fsr-3163	327	57	)	)	PUNCT
fsr-3163	327	58	.	.	PUNCT
fsr-3163	328	1	9	9	X
fsr-3163	328	2	.	.	X
fsr-3163	328	3	conclusion	conclusion	NOUN
fsr-3163	328	4	and	and	CCONJ
fsr-3163	328	5	implications	implication	NOUN
fsr-3163	328	6	this	this	DET
fsr-3163	328	7	research	research	NOUN
fsr-3163	328	8	found	find	VERB
fsr-3163	328	9	that	that	SCONJ
fsr-3163	328	10	african	african	ADJ
fsr-3163	328	11	americans	americans	PROPN
fsr-3163	328	12	who	who	PRON
fsr-3163	328	13	had	have	VERB
fsr-3163	328	14	a	a	DET
fsr-3163	328	15	post	post	ADJ
fsr-3163	328	16	-	-	ADJ
fsr-3163	328	17	graduate	graduate	ADJ
fsr-3163	328	18	degree	degree	NOUN
fsr-3163	328	19	,	,	PUNCT
fsr-3163	328	20	owned	own	VERB
fsr-3163	328	21	a	a	DET
fsr-3163	328	22	home	home	NOUN
fsr-3163	328	23	,	,	PUNCT
fsr-3163	328	24	and	and	CCONJ
fsr-3163	328	25	had	have	VERB
fsr-3163	328	26	savings	saving	NOUN
fsr-3163	328	27	of	of	ADP
fsr-3163	328	28	over	over	ADP
fsr-3163	328	29	$	$	SYM
fsr-3163	328	30	5,000	5,000	NUM
fsr-3163	328	31	were	be	AUX
fsr-3163	328	32	more	more	ADV
fsr-3163	328	33	likely	likely	ADJ
fsr-3163	328	34	to	to	PART
fsr-3163	328	35	have	have	VERB
fsr-3163	328	36	a	a	DET
fsr-3163	328	37	higher	high	ADJ
fsr-3163	328	38	level	level	NOUN
fsr-3163	328	39	of	of	ADP
fsr-3163	328	40	financial	financial	ADJ
fsr-3163	328	41	well	well	NOUN
fsr-3163	328	42	-	-	PUNCT
fsr-3163	328	43	being	being	NOUN
fsr-3163	328	44	than	than	ADP
fsr-3163	328	45	african	african	ADJ
fsr-3163	328	46	americans	americans	PROPN
fsr-3163	328	47	who	who	PRON
fsr-3163	328	48	lacked	lack	VERB
fsr-3163	328	49	these	these	DET
fsr-3163	328	50	characteristics	characteristic	NOUN
fsr-3163	328	51	.	.	PUNCT
fsr-3163	329	1	therefore	therefore	ADV
fsr-3163	329	2	,	,	PUNCT
fsr-3163	329	3	most	most	ADJ
fsr-3163	329	4	of	of	ADP
fsr-3163	329	5	the	the	DET
fsr-3163	329	6	financial	financial	ADJ
fsr-3163	329	7	security	security	NOUN
fsr-3163	329	8	variables	variable	NOUN
fsr-3163	329	9	in	in	ADP
fsr-3163	329	10	this	this	DET
fsr-3163	329	11	study	study	NOUN
fsr-3163	329	12	proved	prove	VERB
fsr-3163	329	13	to	to	PART
fsr-3163	329	14	have	have	VERB
fsr-3163	329	15	impacts	impact	NOUN
fsr-3163	329	16	on	on	ADP
fsr-3163	329	17	african	african	ADJ
fsr-3163	329	18	americans	americans	PROPN
fsr-3163	329	19	’	’	PART
fsr-3163	329	20	financial	financial	ADJ
fsr-3163	329	21	well	well	NOUN
fsr-3163	329	22	-	-	PUNCT
fsr-3163	329	23	being	being	NOUN
fsr-3163	329	24	.	.	PUNCT
fsr-3163	330	1	the	the	DET
fsr-3163	330	2	only	only	ADJ
fsr-3163	330	3	financial	financial	ADJ
fsr-3163	330	4	security	security	NOUN
fsr-3163	330	5	variables	variable	NOUN
fsr-3163	330	6	that	that	PRON
fsr-3163	330	7	had	have	VERB
fsr-3163	330	8	no	no	DET
fsr-3163	330	9	effect	effect	NOUN
fsr-3163	330	10	were	be	AUX
fsr-3163	330	11	financial	financial	ADJ
fsr-3163	330	12	knowledge	knowledge	NOUN
fsr-3163	330	13	and	and	CCONJ
fsr-3163	330	14	investing	invest	VERB
fsr-3163	330	15	in	in	ADP
fsr-3163	330	16	the	the	DET
fsr-3163	330	17	stock	stock	NOUN
fsr-3163	330	18	market	market	NOUN
fsr-3163	330	19	.	.	PUNCT
fsr-3163	331	1	the	the	DET
fsr-3163	331	2	implications	implication	NOUN
fsr-3163	331	3	for	for	ADP
fsr-3163	331	4	financial	financial	ADJ
fsr-3163	331	5	institutions	institution	NOUN
fsr-3163	331	6	are	be	AUX
fsr-3163	331	7	enormous	enormous	ADJ
fsr-3163	331	8	.	.	PUNCT
fsr-3163	332	1	african	african	ADJ
fsr-3163	332	2	americans	americans	PROPN
fsr-3163	332	3	are	be	AUX
fsr-3163	332	4	willing	willing	ADJ
fsr-3163	332	5	to	to	PART
fsr-3163	332	6	save	save	VERB
fsr-3163	332	7	because	because	SCONJ
fsr-3163	332	8	of	of	ADP
fsr-3163	332	9	the	the	DET
fsr-3163	332	10	sense	sense	NOUN
fsr-3163	332	11	of	of	ADP
fsr-3163	332	12	financial	financial	ADJ
fsr-3163	332	13	security	security	NOUN
fsr-3163	332	14	associated	associate	VERB
fsr-3163	332	15	with	with	ADP
fsr-3163	332	16	that	that	DET
fsr-3163	332	17	behavior	behavior	NOUN
fsr-3163	332	18	.	.	PUNCT
fsr-3163	333	1	the	the	DET
fsr-3163	333	2	more	more	ADV
fsr-3163	333	3	educated	educate	VERB
fsr-3163	333	4	cohort	cohort	NOUN
fsr-3163	333	5	of	of	ADP
fsr-3163	333	6	this	this	DET
fsr-3163	333	7	ethnic	ethnic	ADJ
fsr-3163	333	8	group	group	NOUN
fsr-3163	333	9	tends	tend	VERB
fsr-3163	333	10	to	to	PART
fsr-3163	333	11	save	save	VERB
fsr-3163	333	12	at	at	ADP
fsr-3163	333	13	higher	high	ADJ
fsr-3163	333	14	rates	rate	NOUN
fsr-3163	333	15	and	and	CCONJ
fsr-3163	333	16	has	have	VERB
fsr-3163	333	17	more	more	ADJ
fsr-3163	333	18	satisfaction	satisfaction	NOUN
fsr-3163	333	19	from	from	ADP
fsr-3163	333	20	the	the	DET
fsr-3163	333	21	activity	activity	NOUN
fsr-3163	333	22	.	.	PUNCT
fsr-3163	334	1	financial	financial	ADJ
fsr-3163	334	2	institutions	institution	NOUN
fsr-3163	334	3	have	have	VERB
fsr-3163	334	4	a	a	DET
fsr-3163	334	5	chance	chance	NOUN
fsr-3163	334	6	to	to	PART
fsr-3163	334	7	leverage	leverage	VERB
fsr-3163	334	8	multiple	multiple	ADJ
fsr-3163	334	9	products	product	NOUN
fsr-3163	334	10	to	to	PART
fsr-3163	334	11	satisfy	satisfy	VERB
fsr-3163	334	12	this	this	DET
fsr-3163	334	13	cohort	cohort	NOUN
fsr-3163	334	14	because	because	SCONJ
fsr-3163	334	15	there	there	PRON
fsr-3163	334	16	is	be	VERB
fsr-3163	334	17	an	an	DET
fsr-3163	334	18	underlying	underlying	ADJ
fsr-3163	334	19	desire	desire	NOUN
fsr-3163	334	20	to	to	PART
fsr-3163	334	21	transition	transition	VERB
fsr-3163	334	22	from	from	ADP
fsr-3163	334	23	“	"	PUNCT
fsr-3163	334	24	saving	saving	NOUN
fsr-3163	334	25	”	"	PUNCT
fsr-3163	334	26	to	to	ADP
fsr-3163	334	27	“	"	PUNCT
fsr-3163	334	28	investing	invest	VERB
fsr-3163	334	29	.	.	PUNCT
fsr-3163	334	30	”	"	PUNCT
fsr-3163	335	1	the	the	DET
fsr-3163	335	2	implications	implication	NOUN
fsr-3163	335	3	for	for	ADP
fsr-3163	335	4	policy	policy	NOUN
fsr-3163	335	5	-	-	PUNCT
fsr-3163	335	6	makers	maker	NOUN
fsr-3163	335	7	are	be	AUX
fsr-3163	335	8	also	also	ADV
fsr-3163	335	9	looming	loom	VERB
fsr-3163	335	10	;	;	PUNCT
fsr-3163	335	11	as	as	SCONJ
fsr-3163	335	12	african	african	ADJ
fsr-3163	335	13	americans	americans	PROPN
fsr-3163	335	14	become	become	VERB
fsr-3163	335	15	more	more	ADV
fsr-3163	335	16	financially	financially	ADV
fsr-3163	335	17	literate	literate	ADJ
fsr-3163	335	18	,	,	PUNCT
fsr-3163	335	19	their	their	PRON
fsr-3163	335	20	capacity	capacity	NOUN
fsr-3163	335	21	to	to	PART
fsr-3163	335	22	become	become	VERB
fsr-3163	335	23	homeowners	homeowner	NOUN
fsr-3163	335	24	increases	increase	NOUN
fsr-3163	335	25	,	,	PUNCT
fsr-3163	335	26	which	which	PRON
fsr-3163	335	27	positively	positively	ADV
fsr-3163	335	28	impacts	impact	VERB
fsr-3163	335	29	the	the	DET
fsr-3163	335	30	tax	tax	NOUN
fsr-3163	335	31	base	base	NOUN
fsr-3163	335	32	of	of	ADP
fsr-3163	335	33	the	the	DET
fsr-3163	335	34	municipalities	municipality	NOUN
fsr-3163	335	35	where	where	SCONJ
fsr-3163	335	36	they	they	PRON
fsr-3163	335	37	reside	reside	VERB
fsr-3163	335	38	.	.	PUNCT
fsr-3163	336	1	the	the	DET
fsr-3163	336	2	implications	implication	NOUN
fsr-3163	336	3	for	for	ADP
fsr-3163	336	4	researchers	researcher	NOUN
fsr-3163	336	5	intensify	intensify	VERB
fsr-3163	336	6	as	as	SCONJ
fsr-3163	336	7	we	we	PRON
fsr-3163	336	8	understand	understand	VERB
fsr-3163	336	9	the	the	DET
fsr-3163	336	10	differences	difference	NOUN
fsr-3163	336	11	in	in	ADP
fsr-3163	336	12	financial	financial	ADJ
fsr-3163	336	13	behavior	behavior	NOUN
fsr-3163	336	14	of	of	ADP
fsr-3163	336	15	the	the	DET
fsr-3163	336	16	various	various	ADJ
fsr-3163	336	17	financial	financial	ADJ
fsr-3163	336	18	cohorts	cohort	NOUN
fsr-3163	336	19	of	of	ADP
fsr-3163	336	20	african	african	ADJ
fsr-3163	336	21	americans	americans	PROPN
fsr-3163	336	22	and	and	CCONJ
fsr-3163	336	23	their	their	PRON
fsr-3163	336	24	contrasts	contrast	NOUN
fsr-3163	336	25	with	with	ADP
fsr-3163	336	26	other	other	ADJ
fsr-3163	336	27	ethnic	ethnic	ADJ
fsr-3163	336	28	groups	group	NOUN
fsr-3163	336	29	.	.	PUNCT
fsr-3163	337	1	334	334	NUM
fsr-3163	337	2	c.	c.	PROPN
fsr-3163	337	3	w.	w.	PROPN
fsr-3163	337	4	copeland	copeland	PROPN
fsr-3163	337	5	et	et	PROPN
fsr-3163	337	6	al	al	PROPN
fsr-3163	337	7	.	.	PUNCT
fsr-3163	337	8	/	/	SYM
fsr-3163	337	9	financial	financial	ADJ
fsr-3163	337	10	services	service	NOUN
fsr-3163	337	11	review	review	VERB
fsr-3163	337	12	30	30	NUM
fsr-3163	337	13	(	(	PUNCT
fsr-3163	337	14	2022	2022	NUM
fsr-3163	337	15	)	)	PUNCT
fsr-3163	338	1	321–336	321–336	NUM
fsr-3163	338	2	references	reference	NOUN
fsr-3163	338	3	asli	asli	PROPN
fsr-3163	338	4	,	,	PUNCT
fsr-3163	338	5	e.	e.	PROPN
fsr-3163	338	6	a.	a.	PROPN
fsr-3163	338	7	,	,	PUNCT
fsr-3163	338	8	&	&	CCONJ
fsr-3163	338	9	elif	elif	PROPN
fsr-3163	338	10	,	,	PUNCT
fsr-3163	338	11	a.	a.	PROPN
fsr-3163	338	12	s.	s.	PROPN
fsr-3163	338	13	(	(	PUNCT
fsr-3163	338	14	2019	2019	NUM
fsr-3163	338	15	)	)	PUNCT
fsr-3163	338	16	.	.	PUNCT
fsr-3163	339	1	an	an	DET
fsr-3163	339	2	investigation	investigation	NOUN
fsr-3163	339	3	of	of	ADP
fsr-3163	339	4	financial	financial	ADJ
fsr-3163	339	5	literacy	literacy	NOUN
fsr-3163	339	6	,	,	PUNCT
fsr-3163	339	7	money	money	NOUN
fsr-3163	339	8	ethics	ethic	NOUN
fsr-3163	339	9	and	and	CCONJ
fsr-3163	339	10	time	time	NOUN
fsr-3163	339	11	preferences	preference	NOUN
fsr-3163	339	12	among	among	ADP
fsr-3163	339	13	college	college	NOUN
fsr-3163	339	14	students	student	NOUN
fsr-3163	339	15	:	:	PUNCT
fsr-3163	339	16	a	a	DET
fsr-3163	339	17	structural	structural	ADJ
fsr-3163	339	18	equation	equation	NOUN
fsr-3163	339	19	model	model	NOUN
fsr-3163	339	20	.	.	PUNCT
fsr-3163	340	1	the	the	DET
fsr-3163	340	2	international	international	ADJ
fsr-3163	340	3	journal	journal	NOUN
fsr-3163	340	4	of	of	ADP
fsr-3163	340	5	bank	bank	PROPN
fsr-3163	340	6	marketing	marketing	NOUN
fsr-3163	340	7	,	,	PUNCT
fsr-3163	340	8	37	37	NUM
fsr-3163	340	9	,	,	PUNCT
fsr-3163	340	10	880–900	880–900	NUM
fsr-3163	340	11	.	.	PUNCT
fsr-3163	341	1	https://www.emerald.com/insight/content/doi/10.1108/ijbm-05-2018-0120/full/html	https://www.emerald.com/insight/content/doi/10.1108/ijbm-05-2018-0120/full/html	PROPN
fsr-3163	341	2	blalock	blalock	NOUN
fsr-3163	341	3	,	,	PUNCT
fsr-3163	341	4	c.	c.	PROPN
fsr-3163	341	5	(	(	PUNCT
fsr-3163	341	6	2017	2017	NUM
fsr-3163	341	7	)	)	PUNCT
fsr-3163	341	8	.	.	PUNCT
fsr-3163	342	1	african	african	PROPN
fsr-3163	342	2	americans	americans	PROPN
fsr-3163	342	3	experiences	experience	NOUN
fsr-3163	342	4	of	of	ADP
fsr-3163	342	5	managing	manage	VERB
fsr-3163	342	6	college	college	NOUN
fsr-3163	342	7	debt	debt	NOUN
fsr-3163	342	8	.	.	PUNCT
fsr-3163	343	1	minneapolis	minneapolis	PROPN
fsr-3163	343	2	,	,	PUNCT
fsr-3163	343	3	mn	mn	PROPN
fsr-3163	343	4	:	:	PUNCT
fsr-3163	343	5	walden	walden	PROPN
fsr-3163	343	6	university	university	PROPN
fsr-3163	343	7	proquest	proquest	PROPN
fsr-3163	343	8	dissertation	dissertation	NOUN
fsr-3163	343	9	publishing	publishing	NOUN
fsr-3163	343	10	.	.	PUNCT
fsr-3163	344	1	brounen	brounen	PROPN
fsr-3163	344	2	,	,	PUNCT
fsr-3163	344	3	d.	d.	PROPN
fsr-3163	344	4	,	,	PUNCT
fsr-3163	344	5	koedijk	koedijk	PROPN
fsr-3163	344	6	,	,	PUNCT
fsr-3163	344	7	k.	k.	PROPN
fsr-3163	344	8	,	,	PUNCT
fsr-3163	344	9	&	&	CCONJ
fsr-3163	344	10	pownall	pownall	PROPN
fsr-3163	344	11	,	,	PUNCT
fsr-3163	344	12	r.	r.	PROPN
fsr-3163	344	13	a.	a.	PROPN
fsr-3163	344	14	j.	j.	PROPN
fsr-3163	344	15	(	(	PUNCT
fsr-3163	344	16	2016	2016	NUM
fsr-3163	344	17	)	)	PUNCT
fsr-3163	344	18	.	.	PUNCT
fsr-3163	345	1	household	household	NOUN
fsr-3163	345	2	financial	financial	ADJ
fsr-3163	345	3	planning	planning	NOUN
fsr-3163	345	4	and	and	CCONJ
fsr-3163	345	5	savings	saving	NOUN
fsr-3163	345	6	behavior	behavior	NOUN
fsr-3163	345	7	.	.	PUNCT
fsr-3163	346	1	discussion	discussion	NOUN
fsr-3163	346	2	paper	paper	NOUN
fsr-3163	346	3	no	no	NOUN
fsr-3163	346	4	.	.	PROPN
fsr-3163	347	1	11033	11033	NUM
fsr-3163	347	2	.	.	PUNCT
fsr-3163	348	1	london	london	PROPN
fsr-3163	348	2	:	:	PUNCT
fsr-3163	348	3	center	center	NOUN
fsr-3163	348	4	for	for	ADP
fsr-3163	348	5	economic	economic	ADJ
fsr-3163	348	6	policy	policy	NOUN
fsr-3163	348	7	research	research	NOUN
fsr-3163	348	8	.	.	PUNCT
fsr-3163	349	1	chu	chu	PROPN
fsr-3163	349	2	,	,	PUNCT
fsr-3163	349	3	z.	z.	PROPN
fsr-3163	349	4	,	,	PUNCT
fsr-3163	349	5	wang	wang	PROPN
fsr-3163	349	6	,	,	PUNCT
fsr-3163	349	7	z.	z.	PROPN
fsr-3163	349	8	,	,	PUNCT
fsr-3163	349	9	xiao	xiao	PROPN
fsr-3163	349	10	,	,	PUNCT
fsr-3163	349	11	j.	j.	PROPN
fsr-3163	349	12	j.	j.	PROPN
fsr-3163	349	13	,	,	PUNCT
fsr-3163	349	14	&	&	CCONJ
fsr-3163	349	15	zhang	zhang	PROPN
fsr-3163	349	16	,	,	PUNCT
fsr-3163	349	17	w.	w.	PROPN
fsr-3163	349	18	(	(	PUNCT
fsr-3163	349	19	2017	2017	NUM
fsr-3163	349	20	)	)	PUNCT
fsr-3163	349	21	.	.	PUNCT
fsr-3163	350	1	financial	financial	ADJ
fsr-3163	350	2	literacy	literacy	NOUN
fsr-3163	350	3	,	,	PUNCT
fsr-3163	350	4	portfolio	portfolio	NOUN
fsr-3163	350	5	choice	choice	NOUN
fsr-3163	350	6	and	and	CCONJ
fsr-3163	350	7	financial	financial	ADJ
fsr-3163	350	8	well	well	ADV
fsr-3163	350	9	-	-	PUNCT
fsr-3163	350	10	being	being	NOUN
fsr-3163	350	11	.	.	PUNCT
fsr-3163	351	1	social	social	ADJ
fsr-3163	351	2	indicators	indicator	NOUN
fsr-3163	351	3	research	research	VERB
fsr-3163	351	4	,	,	PUNCT
fsr-3163	351	5	132	132	NUM
fsr-3163	351	6	,	,	PUNCT
fsr-3163	351	7	799–820	799–820	NUM
fsr-3163	351	8	.	.	PUNCT
fsr-3163	352	1	https://doi.org/10.1007/s11205-016-1309-2	https://doi.org/10.1007/s11205-016-1309-2	NUM
fsr-3163	352	2	consumer	consumer	NOUN
fsr-3163	352	3	financial	financial	PROPN
fsr-3163	352	4	protection	protection	PROPN
fsr-3163	352	5	bureau	bureau	PROPN
fsr-3163	352	6	.	.	PUNCT
fsr-3163	353	1	(	(	PUNCT
fsr-3163	353	2	2015	2015	NUM
fsr-3163	353	3	)	)	PUNCT
fsr-3163	353	4	.	.	PUNCT
fsr-3163	354	1	measuring	measure	VERB
fsr-3163	354	2	financial	financial	ADJ
fsr-3163	354	3	well	well	NOUN
fsr-3163	354	4	-	-	PUNCT
fsr-3163	354	5	being	being	NOUN
fsr-3163	354	6	.	.	PUNCT
fsr-3163	355	1	available	available	ADJ
fsr-3163	355	2	at	at	ADP
fsr-3163	355	3	https://files	https://file	NOUN
fsr-3163	355	4	.	.	PUNCT
fsr-3163	356	1	consumerfinance.gov/f/201512_cfpb_financial-well-being-user-guide-scale.pdf	consumerfinance.gov/f/201512_cfpb_financial-well-being-user-guide-scale.pdf	NOUN
fsr-3163	356	2	consumer	consumer	NOUN
fsr-3163	356	3	financial	financial	PROPN
fsr-3163	356	4	protection	protection	PROPN
fsr-3163	356	5	bureau	bureau	PROPN
fsr-3163	356	6	.	.	PUNCT
fsr-3163	357	1	(	(	PUNCT
fsr-3163	357	2	2017	2017	NUM
fsr-3163	357	3	)	)	PUNCT
fsr-3163	357	4	.	.	PUNCT
fsr-3163	358	1	cfpb	cfpb	PROPN
fsr-3163	358	2	financial	financial	ADJ
fsr-3163	358	3	well	well	ADV
fsr-3163	358	4	-	-	PUNCT
fsr-3163	358	5	being	being	NOUN
fsr-3163	358	6	scale	scale	NOUN
fsr-3163	358	7	.	.	PUNCT
fsr-3163	359	1	available	available	ADJ
fsr-3163	359	2	at	at	ADP
fsr-3163	359	3	https://files	https://file	NOUN
fsr-3163	359	4	.	.	PUNCT
fsr-3163	360	1	consumerfinance.gov/f/documents/201705_cfpb_financial-well-being-scale-technical-report.pdf	consumerfinance.gov/f/documents/201705_cfpb_financial-well-being-scale-technical-report.pdf	NOUN
fsr-3163	360	2	fix	fix	NOUN
fsr-3163	360	3	,	,	PUNCT
fsr-3163	360	4	m.	m.	PROPN
fsr-3163	360	5	e.	e.	PROPN
fsr-3163	360	6	,	,	PUNCT
fsr-3163	360	7	&	&	CCONJ
fsr-3163	360	8	struyk	struyk	PROPN
fsr-3163	360	9	,	,	PUNCT
fsr-3163	360	10	r.	r.	PROPN
fsr-3163	360	11	j.	j.	PROPN
fsr-3163	360	12	(	(	PUNCT
fsr-3163	360	13	1993	1993	NUM
fsr-3163	360	14	)	)	PUNCT
fsr-3163	360	15	.	.	PUNCT
fsr-3163	361	1	clear	clear	ADJ
fsr-3163	361	2	and	and	CCONJ
fsr-3163	361	3	convincing	convincing	ADJ
fsr-3163	361	4	evidence	evidence	NOUN
fsr-3163	361	5	:	:	PUNCT
fsr-3163	361	6	measurement	measurement	NOUN
fsr-3163	361	7	of	of	ADP
fsr-3163	361	8	discrimination	discrimination	NOUN
fsr-3163	361	9	in	in	ADP
fsr-3163	361	10	america	america	PROPN
fsr-3163	361	11	.	.	PUNCT
fsr-3163	362	1	washington	washington	PROPN
fsr-3163	362	2	,	,	PUNCT
fsr-3163	362	3	dc	dc	PROPN
fsr-3163	362	4	:	:	PUNCT
fsr-3163	362	5	urban	urban	PROPN
fsr-3163	362	6	institute	institute	PROPN
fsr-3163	362	7	press	press	PROPN
fsr-3163	362	8	.	.	PUNCT
fsr-3163	363	1	https://webarchive.urban.org/publications/105136.html	https://webarchive.urban.org/publications/105136.html	VERB
fsr-3163	363	2	gutter	gutter	NOUN
fsr-3163	363	3	,	,	PUNCT
fsr-3163	363	4	m.	m.	NOUN
fsr-3163	363	5	,	,	PUNCT
fsr-3163	363	6	&	&	CCONJ
fsr-3163	363	7	copur	copur	PROPN
fsr-3163	363	8	,	,	PUNCT
fsr-3163	363	9	z.	z.	PROPN
fsr-3163	363	10	(	(	PUNCT
fsr-3163	363	11	2011	2011	NUM
fsr-3163	363	12	)	)	PUNCT
fsr-3163	363	13	.	.	PUNCT
fsr-3163	364	1	financial	financial	ADJ
fsr-3163	364	2	behaviors	behavior	NOUN
fsr-3163	364	3	and	and	CCONJ
fsr-3163	364	4	financial	financial	ADJ
fsr-3163	364	5	wellbeing	wellbeing	NOUN
fsr-3163	364	6	of	of	ADP
fsr-3163	364	7	college	college	NOUN
fsr-3163	364	8	students	student	NOUN
fsr-3163	364	9	:	:	PUNCT
fsr-3163	364	10	evidence	evidence	NOUN
fsr-3163	364	11	from	from	ADP
fsr-3163	364	12	a	a	DET
fsr-3163	364	13	national	national	ADJ
fsr-3163	364	14	survey	survey	NOUN
fsr-3163	364	15	.	.	PUNCT
fsr-3163	365	1	journal	journal	NOUN
fsr-3163	365	2	of	of	ADP
fsr-3163	365	3	family	family	NOUN
fsr-3163	365	4	and	and	CCONJ
fsr-3163	365	5	economic	economic	ADJ
fsr-3163	365	6	issues	issue	NOUN
fsr-3163	365	7	,	,	PUNCT
fsr-3163	365	8	32	32	NUM
fsr-3163	365	9	,	,	PUNCT
fsr-3163	365	10	699–714	699–714	NUM
fsr-3163	365	11	.	.	PUNCT
fsr-3163	366	1	https://doi.org/10.1007/s10834-011-9255-2	https://doi.org/10.1007/s10834-011-9255-2	NUM
fsr-3163	366	2	herring	herring	PROPN
fsr-3163	366	3	,	,	PUNCT
fsr-3163	366	4	c.	c.	PROPN
fsr-3163	366	5	,	,	PUNCT
fsr-3163	366	6	&	&	CCONJ
fsr-3163	366	7	henderson	henderson	PROPN
fsr-3163	366	8	,	,	PUNCT
fsr-3163	366	9	l.	l.	PROPN
fsr-3163	366	10	(	(	PUNCT
fsr-3163	366	11	2016	2016	NUM
fsr-3163	366	12	)	)	PUNCT
fsr-3163	366	13	.	.	PUNCT
fsr-3163	367	1	wealth	wealth	NOUN
fsr-3163	367	2	inequality	inequality	NOUN
fsr-3163	367	3	in	in	ADP
fsr-3163	367	4	black	black	ADJ
fsr-3163	367	5	and	and	CCONJ
fsr-3163	367	6	white	white	ADJ
fsr-3163	367	7	:	:	PUNCT
fsr-3163	367	8	cultural	cultural	ADJ
fsr-3163	367	9	and	and	CCONJ
fsr-3163	367	10	structural	structural	ADJ
fsr-3163	367	11	sources	source	NOUN
fsr-3163	367	12	of	of	ADP
fsr-3163	367	13	the	the	DET
fsr-3163	367	14	racial	racial	ADJ
fsr-3163	367	15	wealth	wealth	NOUN
fsr-3163	367	16	gap	gap	NOUN
fsr-3163	367	17	.	.	PUNCT
fsr-3163	368	1	race	race	NOUN
fsr-3163	368	2	and	and	CCONJ
fsr-3163	368	3	social	social	ADJ
fsr-3163	368	4	problems	problem	NOUN
fsr-3163	368	5	,	,	PUNCT
fsr-3163	368	6	8	8	NUM
fsr-3163	368	7	,	,	PUNCT
fsr-3163	368	8	4–17	4–17	PROPN
fsr-3163	368	9	.	.	PUNCT
fsr-3163	368	10	https://doi.org/10.1007/s12552-016-9159-8	https://doi.org/10.1007/s12552-016-9159-8	PROPN
fsr-3163	368	11	hilgert	hilgert	PROPN
fsr-3163	368	12	,	,	PUNCT
fsr-3163	368	13	m.	m.	NOUN
fsr-3163	368	14	a.	a.	PROPN
fsr-3163	368	15	,	,	PUNCT
fsr-3163	368	16	hogarth	hogarth	NOUN
fsr-3163	368	17	,	,	PUNCT
fsr-3163	368	18	j.	j.	PROPN
fsr-3163	368	19	m.	m.	PROPN
fsr-3163	368	20	,	,	PUNCT
fsr-3163	368	21	&	&	CCONJ
fsr-3163	368	22	beverly	beverly	PROPN
fsr-3163	368	23	,	,	PUNCT
fsr-3163	368	24	s.	s.	PROPN
fsr-3163	368	25	g.	g.	PROPN
fsr-3163	368	26	(	(	PUNCT
fsr-3163	368	27	2003	2003	NUM
fsr-3163	368	28	)	)	PUNCT
fsr-3163	368	29	.	.	PUNCT
fsr-3163	369	1	household	household	NOUN
fsr-3163	369	2	financial	financial	ADJ
fsr-3163	369	3	management	management	NOUN
fsr-3163	369	4	:	:	PUNCT
fsr-3163	369	5	the	the	DET
fsr-3163	369	6	connection	connection	NOUN
fsr-3163	369	7	between	between	ADP
fsr-3163	369	8	knowledge	knowledge	NOUN
fsr-3163	369	9	and	and	CCONJ
fsr-3163	369	10	behavior	behavior	NOUN
fsr-3163	369	11	.	.	PUNCT
fsr-3163	370	1	federal	federal	PROPN
fsr-3163	370	2	reserve	reserve	PROPN
fsr-3163	370	3	bulletin	bulletin	PROPN
fsr-3163	370	4	,	,	PUNCT
fsr-3163	370	5	89	89	NUM
fsr-3163	370	6	,	,	PUNCT
fsr-3163	370	7	309–322	309–322	NUM
fsr-3163	370	8	.	.	PUNCT
fsr-3163	371	1	holzer	holzer	PROPN
fsr-3163	371	2	,	,	PUNCT
fsr-3163	371	3	h.	h.	PROPN
fsr-3163	371	4	,	,	PUNCT
fsr-3163	371	5	&	&	CCONJ
fsr-3163	371	6	ihlanfeldt	ihlanfeldt	PROPN
fsr-3163	371	7	,	,	PUNCT
fsr-3163	371	8	k.	k.	PROPN
fsr-3163	371	9	r.	r.	PROPN
fsr-3163	371	10	(	(	PUNCT
fsr-3163	371	11	1998	1998	NUM
fsr-3163	371	12	)	)	PUNCT
fsr-3163	371	13	.	.	PUNCT
fsr-3163	372	1	customer	customer	NOUN
fsr-3163	372	2	discrimination	discrimination	NOUN
fsr-3163	372	3	and	and	CCONJ
fsr-3163	372	4	employment	employment	NOUN
fsr-3163	372	5	outcomes	outcome	NOUN
fsr-3163	372	6	for	for	ADP
fsr-3163	372	7	minority	minority	NOUN
fsr-3163	372	8	workers	worker	NOUN
fsr-3163	372	9	.	.	PUNCT
fsr-3163	373	1	the	the	DET
fsr-3163	373	2	quarterly	quarterly	ADJ
fsr-3163	373	3	journal	journal	NOUN
fsr-3163	373	4	of	of	ADP
fsr-3163	373	5	economics	economic	NOUN
fsr-3163	373	6	,	,	PUNCT
fsr-3163	373	7	113	113	NUM
fsr-3163	373	8	,	,	PUNCT
fsr-3163	373	9	835–867	835–867	NUM
fsr-3163	373	10	.	.	PUNCT
fsr-3163	374	1	https://doi.org/10.1162/003355398555766	https://doi.org/10.1162/003355398555766	NOUN
fsr-3163	374	2	houts	hout	NOUN
fsr-3163	374	3	,	,	PUNCT
fsr-3163	374	4	c.	c.	PROPN
fsr-3163	374	5	r.	r.	PROPN
fsr-3163	374	6	,	,	PUNCT
fsr-3163	374	7	&	&	CCONJ
fsr-3163	374	8	knoll	knoll	PROPN
fsr-3163	374	9	,	,	PUNCT
fsr-3163	374	10	m.	m.	NOUN
fsr-3163	374	11	a.	a.	PROPN
fsr-3163	374	12	z.	z.	PROPN
fsr-3163	374	13	(	(	PUNCT
fsr-3163	374	14	2020	2020	NUM
fsr-3163	374	15	)	)	PUNCT
fsr-3163	374	16	.	.	PUNCT
fsr-3163	375	1	the	the	DET
fsr-3163	375	2	financial	financial	ADJ
fsr-3163	375	3	knowledge	knowledge	NOUN
fsr-3163	375	4	scale	scale	NOUN
fsr-3163	375	5	:	:	PUNCT
fsr-3163	375	6	new	new	ADJ
fsr-3163	375	7	analyses	analysis	NOUN
fsr-3163	375	8	,	,	PUNCT
fsr-3163	375	9	findings	finding	NOUN
fsr-3163	375	10	,	,	PUNCT
fsr-3163	375	11	and	and	CCONJ
fsr-3163	375	12	development	development	NOUN
fsr-3163	375	13	of	of	ADP
fsr-3163	375	14	a	a	DET
fsr-3163	375	15	short	short	ADJ
fsr-3163	375	16	form	form	NOUN
fsr-3163	375	17	.	.	PUNCT
fsr-3163	376	1	journal	journal	NOUN
fsr-3163	376	2	of	of	ADP
fsr-3163	376	3	consumer	consumer	NOUN
fsr-3163	376	4	affairs	affair	NOUN
fsr-3163	376	5	,	,	PUNCT
fsr-3163	376	6	54	54	NUM
fsr-3163	376	7	,	,	PUNCT
fsr-3163	376	8	775–800	775–800	NUM
fsr-3163	376	9	.	.	PUNCT
fsr-3163	377	1	https://doi.org/10.1111/joca.12288	https://doi.org/10.1111/joca.12288	PROPN
fsr-3163	377	2	jorgensen	jorgensen	PROPN
fsr-3163	377	3	,	,	PUNCT
fsr-3163	377	4	b.	b.	PROPN
fsr-3163	377	5	l.	l.	PROPN
fsr-3163	377	6	,	,	PUNCT
fsr-3163	377	7	&	&	CCONJ
fsr-3163	377	8	savla	savla	NOUN
fsr-3163	377	9	,	,	PUNCT
fsr-3163	377	10	j.	j.	PROPN
fsr-3163	377	11	(	(	PUNCT
fsr-3163	377	12	2010	2010	NUM
fsr-3163	377	13	)	)	PUNCT
fsr-3163	377	14	.	.	PUNCT
fsr-3163	378	1	financial	financial	ADJ
fsr-3163	378	2	literacy	literacy	NOUN
fsr-3163	378	3	of	of	ADP
fsr-3163	378	4	young	young	ADJ
fsr-3163	378	5	adults	adult	NOUN
fsr-3163	378	6	:	:	PUNCT
fsr-3163	378	7	the	the	DET
fsr-3163	378	8	importance	importance	NOUN
fsr-3163	378	9	of	of	ADP
fsr-3163	378	10	parental	parental	ADJ
fsr-3163	378	11	socialization	socialization	NOUN
fsr-3163	378	12	.	.	PUNCT
fsr-3163	379	1	family	family	NOUN
fsr-3163	379	2	relations	relation	NOUN
fsr-3163	379	3	,	,	PUNCT
fsr-3163	379	4	59	59	NUM
fsr-3163	379	5	,	,	PUNCT
fsr-3163	379	6	465–478	465–478	NUM
fsr-3163	379	7	.	.	PUNCT
fsr-3163	379	8	https://doi.org/10.1111/j.1741-3729.2010.00616.x	https://doi.org/10.1111/j.1741-3729.2010.00616.x	PROPN
fsr-3163	380	1	kim	kim	PROPN
fsr-3163	380	2	,	,	PUNCT
fsr-3163	380	3	j.	j.	PROPN
fsr-3163	380	4	,	,	PUNCT
fsr-3163	380	5	garman	garman	PROPN
fsr-3163	380	6	,	,	PUNCT
fsr-3163	380	7	e.	e.	PROPN
fsr-3163	380	8	t.	t.	PROPN
fsr-3163	380	9	,	,	PUNCT
fsr-3163	380	10	&	&	CCONJ
fsr-3163	380	11	sorhaindo	sorhaindo	PROPN
fsr-3163	380	12	,	,	PUNCT
fsr-3163	380	13	b.	b.	PROPN
fsr-3163	380	14	(	(	PUNCT
fsr-3163	380	15	2003	2003	NUM
fsr-3163	380	16	)	)	PUNCT
fsr-3163	380	17	.	.	PUNCT
fsr-3163	381	1	relationships	relationship	NOUN
fsr-3163	381	2	among	among	ADP
fsr-3163	381	3	credit	credit	NOUN
fsr-3163	381	4	counseling	counseling	NOUN
fsr-3163	381	5	clients	client	NOUN
fsr-3163	381	6	’	'	PUNCT
fsr-3163	381	7	financial	financial	ADJ
fsr-3163	381	8	wellbeing	wellbeing	NOUN
fsr-3163	381	9	,	,	PUNCT
fsr-3163	381	10	financial	financial	ADJ
fsr-3163	381	11	behaviors	behavior	NOUN
fsr-3163	381	12	,	,	PUNCT
fsr-3163	381	13	financial	financial	ADJ
fsr-3163	381	14	stressor	stressor	NOUN
fsr-3163	381	15	events	event	NOUN
fsr-3163	381	16	,	,	PUNCT
fsr-3163	381	17	and	and	CCONJ
fsr-3163	381	18	health	health	NOUN
fsr-3163	381	19	.	.	PUNCT
fsr-3163	382	1	journal	journal	PROPN
fsr-3163	382	2	of	of	ADP
fsr-3163	382	3	financial	financial	ADJ
fsr-3163	382	4	counseling	counseling	NOUN
fsr-3163	382	5	and	and	CCONJ
fsr-3163	382	6	planning	planning	NOUN
fsr-3163	382	7	,	,	PUNCT
fsr-3163	382	8	14	14	NUM
fsr-3163	382	9	,	,	PUNCT
fsr-3163	382	10	75–87	75–87	NUM
fsr-3163	382	11	.	.	PUNCT
fsr-3163	383	1	kochhar	kochhar	PROPN
fsr-3163	383	2	,	,	PUNCT
fsr-3163	383	3	r.	r.	PROPN
fsr-3163	383	4	(	(	PUNCT
fsr-3163	383	5	2014	2014	NUM
fsr-3163	383	6	)	)	PUNCT
fsr-3163	383	7	.	.	PUNCT
fsr-3163	384	1	10	10	NUM
fsr-3163	384	2	projections	projection	NOUN
fsr-3163	384	3	for	for	ADP
fsr-3163	384	4	the	the	DET
fsr-3163	384	5	global	global	ADJ
fsr-3163	384	6	population	population	NOUN
fsr-3163	384	7	in	in	ADP
fsr-3163	384	8	2050	2050	NUM
fsr-3163	384	9	.	.	PUNCT
fsr-3163	385	1	washington	washington	PROPN
fsr-3163	385	2	,	,	PUNCT
fsr-3163	385	3	dc	dc	PROPN
fsr-3163	385	4	:	:	PUNCT
fsr-3163	385	5	pew	pew	NOUN
fsr-3163	385	6	research	research	NOUN
fsr-3163	385	7	center	center	NOUN
fsr-3163	385	8	.	.	PUNCT
fsr-3163	386	1	available	available	ADJ
fsr-3163	386	2	at	at	ADP
fsr-3163	386	3	https://www.pewresearch.org/fact-tank/2014/02/03/10-projections-for-the-global-population-in2050/	https://www.pewresearch.org/fact-tank/2014/02/03/10-projections-for-the-global-population-in2050/	PROPN
fsr-3163	386	4	lapp	lapp	PROPN
fsr-3163	386	5	,	,	PUNCT
fsr-3163	386	6	w.	w.	PROPN
fsr-3163	386	7	m.	m.	NOUN
fsr-3163	386	8	(	(	PUNCT
fsr-3163	386	9	2010	2010	NUM
fsr-3163	386	10	)	)	PUNCT
fsr-3163	386	11	.	.	PUNCT
fsr-3163	387	1	behavioral	behavioral	ADJ
fsr-3163	387	2	models	model	NOUN
fsr-3163	387	3	for	for	ADP
fsr-3163	387	4	driving	drive	VERB
fsr-3163	387	5	prosperity	prosperity	NOUN
fsr-3163	387	6	for	for	ADP
fsr-3163	387	7	low	low	ADJ
fsr-3163	387	8	-	-	PUNCT
fsr-3163	387	9	income	income	NOUN
fsr-3163	387	10	people	people	NOUN
fsr-3163	387	11	:	:	PUNCT
fsr-3163	387	12	earn	earn	VERB
fsr-3163	387	13	’	'	PUNCT
fsr-3163	387	14	’s	’s	PART
fsr-3163	387	15	model	model	NOUN
fsr-3163	387	16	of	of	ADP
fsr-3163	387	17	financial	financial	ADJ
fsr-3163	387	18	self	self	NOUN
fsr-3163	387	19	-	-	PUNCT
fsr-3163	387	20	efficacy	efficacy	NOUN
fsr-3163	387	21	.	.	PUNCT
fsr-3163	388	1	san	san	PROPN
fsr-3163	388	2	francisco	francisco	PROPN
fsr-3163	388	3	,	,	PUNCT
fsr-3163	388	4	ca	can	AUX
fsr-3163	388	5	:	:	PUNCT
fsr-3163	388	6	earned	earn	VERB
fsr-3163	388	7	assets	asset	NOUN
fsr-3163	388	8	resource	resource	NOUN
fsr-3163	388	9	network	network	NOUN
fsr-3163	388	10	.	.	PUNCT
fsr-3163	389	1	available	available	ADJ
fsr-3163	389	2	at	at	ADP
fsr-3163	389	3	https://	https://	PROPN
fsr-3163	389	4	d1wqtxts1xzle7.cloudfront.net/43046252/5_-_behavioral_models_for_prosperity-_a_statistical_assessment	d1wqtxts1xzle7.cloudfront.net/43046252/5_-_behavioral_models_for_prosperity-_a_statistical_assessment	PROPN
fsr-3163	389	5	_	_	PUNCT
fsr-3163	390	1	of_savings_and_behavioral_change-1-libre.pdf?1456400832=&response-content-disposition=inline%3b	of_savings_and_behavioral_change-1-libre.pdf?1456400832=&response-content-disposition=inline%3b	PROPN
fsr-3163	391	1	+	+	ADJ
fsr-3163	391	2	filename%3dmonth_year_title_of_paper_behavioral_mod.pdf&expires=1686743562&signature=	filename%3dmonth_year_title_of_paper_behavioral_mod.pdf&expires=1686743562&signature=	ADJ
fsr-3163	391	3	gu0exrue1ef	gu0exrue1ef	VERB
fsr-3163	391	4	~	~	VERB
fsr-3163	391	5	h8zznjsfbexc	h8zznjsfbexc	VERB
fsr-3163	391	6	-	-	PUNCT
fsr-3163	391	7	yeowcnkixznndvxnnj1wzo2grlejb7l0ykm5miwa-0yu8u	yeowcnkixznndvxnnj1wzo2grlejb7l0ykm5miwa-0yu8u	VERB
fsr-3163	391	8	-	-	PUNCT
fsr-3163	391	9	q0u9gueu	q0u9gueu	NOUN
fsr-3163	391	10	qpjjt2qe7rj55nzuihgemcbpywi0zmcihgnxwsraxzcu1fgc	qpjjt2qe7rj55nzuihgemcbpywi0zmcihgnxwsraxzcu1fgc	ADV
fsr-3163	391	11	-	-	PUNCT
fsr-3163	391	12	ucra5wicc4wuuqqcgwwk	ucra5wicc4wuuqqcgwwk	NUM
fsr-3163	391	13	-	-	PUNCT
fsr-3163	391	14	bkv6	bkv6	NOUN
fsr-3163	391	15	-	-	PUNCT
fsr-3163	391	16	cj6wu58su42j65do2zahhdmrfruihuqlrlis	cj6wu58su42j65do2zahhdmrfruihuqlrlis	NOUN
fsr-3163	391	17	~	~	X
fsr-3163	391	18	kgevro6wt	kgevro6wt	X
fsr-3163	391	19	~	~	SYM
fsr-3163	391	20	q9d8tbtrh6sgpboze4c0	q9d8tbtrh6sgpboze4c0	PROPN
fsr-3163	391	21	-	-	PUNCT
fsr-3163	391	22	ytzuwg7xbcy	ytzuwg7xbcy	PROPN
fsr-3163	391	23	ifwcnqylgejyeqlkh7tjkuqyh	ifwcnqylgejyeqlkh7tjkuqyh	PROPN
fsr-3163	391	24	~	~	NOUN
fsr-3163	391	25	i0qrpi2six8ng25hgpt7lje4jb5omjfv3n7sn5nfjmr2j4	i0qrpi2six8ng25hgpt7lje4jb5omjfv3n7sn5nfjmr2j4	SYM
fsr-3163	391	26	~	~	SYM
fsr-3163	391	27	qlwxmshzu	qlwxmshzu	ADJ
fsr-3163	391	28	uggeessjqd3ghrs35eeqzfx6g__&key	uggeessjqd3ghrs35eeqzfx6g__&key	ADJ
fsr-3163	391	29	-	-	PUNCT
fsr-3163	391	30	pair	pair	NOUN
fsr-3163	391	31	-	-	PUNCT
fsr-3163	391	32	id	id	NOUN
fsr-3163	391	33	=	=	PROPN
fsr-3163	391	34	apkajlohf5ggslrbv4za	apkajlohf5ggslrbv4za	ADJ
fsr-3163	391	35	lobos	lobos	PROPN
fsr-3163	391	36	,	,	PUNCT
fsr-3163	391	37	g.	g.	PROPN
fsr-3163	391	38	,	,	PUNCT
fsr-3163	391	39	grunert	grunert	PROPN
fsr-3163	391	40	,	,	PUNCT
fsr-3163	391	41	k.	k.	PROPN
fsr-3163	391	42	g.	g.	PROPN
fsr-3163	391	43	,	,	PUNCT
fsr-3163	391	44	bustamante	bustamante	PROPN
fsr-3163	391	45	,	,	PUNCT
fsr-3163	391	46	m.	m.	NOUN
fsr-3163	391	47	,	,	PUNCT
fsr-3163	391	48	&	&	CCONJ
fsr-3163	391	49	schnettler	schnettler	PROPN
fsr-3163	391	50	,	,	PUNCT
fsr-3163	391	51	b.	b.	PROPN
fsr-3163	391	52	(	(	PUNCT
fsr-3163	391	53	2016	2016	NUM
fsr-3163	391	54	)	)	PUNCT
fsr-3163	391	55	.	.	PUNCT
fsr-3163	392	1	with	with	ADP
fsr-3163	392	2	health	health	NOUN
fsr-3163	392	3	and	and	CCONJ
fsr-3163	392	4	good	good	ADJ
fsr-3163	392	5	food	food	NOUN
fsr-3163	392	6	,	,	PUNCT
fsr-3163	392	7	great	great	ADJ
fsr-3163	392	8	life	life	NOUN
fsr-3163	392	9	!	!	PUNCT
fsr-3163	393	1	gender	gender	NOUN
fsr-3163	393	2	differences	difference	NOUN
fsr-3163	393	3	and	and	CCONJ
fsr-3163	393	4	happiness	happiness	NOUN
fsr-3163	393	5	in	in	ADP
fsr-3163	393	6	chilean	chilean	ADJ
fsr-3163	393	7	rural	rural	ADJ
fsr-3163	393	8	older	old	ADJ
fsr-3163	393	9	adults	adult	NOUN
fsr-3163	393	10	.	.	PUNCT
fsr-3163	394	1	social	social	ADJ
fsr-3163	394	2	indicators	indicator	NOUN
fsr-3163	394	3	research	research	VERB
fsr-3163	394	4	,	,	PUNCT
fsr-3163	394	5	127	127	NUM
fsr-3163	394	6	,	,	PUNCT
fsr-3163	394	7	865–885	865–885	NUM
fsr-3163	394	8	.	.	PUNCT
fsr-3163	395	1	https://doi.org/10.1007/s11205-015-0971-0	https://doi.org/10.1007/s11205-015-0971-0	NUM
fsr-3163	395	2	mcintosh	mcintosh	PROPN
fsr-3163	395	3	,	,	PUNCT
fsr-3163	395	4	k.	k.	PROPN
fsr-3163	395	5	,	,	PUNCT
fsr-3163	395	6	moss	moss	PROPN
fsr-3163	395	7	,	,	PUNCT
fsr-3163	395	8	e.	e.	PROPN
fsr-3163	395	9	,	,	PUNCT
fsr-3163	395	10	nunn	nunn	PROPN
fsr-3163	395	11	,	,	PUNCT
fsr-3163	395	12	r.	r.	PROPN
fsr-3163	395	13	,	,	PUNCT
fsr-3163	395	14	&	&	CCONJ
fsr-3163	395	15	shambaugh	shambaugh	PROPN
fsr-3163	395	16	,	,	PUNCT
fsr-3163	395	17	j.	j.	PROPN
fsr-3163	395	18	(	(	PUNCT
fsr-3163	395	19	2020	2020	NUM
fsr-3163	395	20	)	)	PUNCT
fsr-3163	395	21	.	.	PUNCT
fsr-3163	396	1	examining	examine	VERB
fsr-3163	396	2	the	the	DET
fsr-3163	396	3	black	black	ADJ
fsr-3163	396	4	and	and	CCONJ
fsr-3163	396	5	white	white	ADJ
fsr-3163	396	6	wealth	wealth	NOUN
fsr-3163	396	7	gap	gap	NOUN
fsr-3163	396	8	.	.	PUNCT
fsr-3163	397	1	washington	washington	PROPN
fsr-3163	397	2	,	,	PUNCT
fsr-3163	397	3	dc	dc	PROPN
fsr-3163	397	4	:	:	PUNCT
fsr-3163	397	5	brookings	brookings	PROPN
fsr-3163	397	6	.	.	PUNCT
fsr-3163	398	1	available	available	ADJ
fsr-3163	398	2	at	at	ADP
fsr-3163	398	3	https://memphis.uli.org/wp-content/uploads/sites/49/2020/07/examiningthe-black-white-wealth-gap.pdf	https://memphis.uli.org/wp-content/uploads/sites/49/2020/07/examiningthe-black-white-wealth-gap.pdf	PROPN
fsr-3163	398	4	c.	c.	PROPN
fsr-3163	398	5	w.	w.	PROPN
fsr-3163	398	6	copeland	copeland	PROPN
fsr-3163	398	7	et	et	PROPN
fsr-3163	398	8	al	al	PROPN
fsr-3163	398	9	.	.	PUNCT
fsr-3163	398	10	/	/	SYM
fsr-3163	398	11	financial	financial	ADJ
fsr-3163	398	12	services	service	NOUN
fsr-3163	398	13	review	review	VERB
fsr-3163	398	14	30	30	NUM
fsr-3163	398	15	(	(	PUNCT
fsr-3163	398	16	2022	2022	NUM
fsr-3163	398	17	)	)	PUNCT
fsr-3163	399	1	321–336	321–336	NUM
fsr-3163	399	2	335	335	NUM
fsr-3163	399	3	mcdonald	mcdonald	NOUN
fsr-3163	399	4	,	,	PUNCT
fsr-3163	399	5	j.	j.	PROPN
fsr-3163	399	6	f.	f.	PROPN
fsr-3163	399	7	(	(	PUNCT
fsr-3163	399	8	1974	1974	NUM
fsr-3163	399	9	)	)	PUNCT
fsr-3163	399	10	.	.	PUNCT
fsr-3163	400	1	housing	housing	NOUN
fsr-3163	400	2	market	market	NOUN
fsr-3163	400	3	discrimination	discrimination	NOUN
fsr-3163	400	4	,	,	PUNCT
fsr-3163	400	5	homeownership	homeownership	NOUN
fsr-3163	400	6	,	,	PUNCT
fsr-3163	400	7	and	and	CCONJ
fsr-3163	400	8	savings	savings	NOUN
fsr-3163	400	9	behavior	behavior	NOUN
fsr-3163	400	10	.	.	PUNCT
fsr-3163	401	1	the	the	DET
fsr-3163	401	2	american	american	PROPN
fsr-3163	401	3	economic	economic	PROPN
fsr-3163	401	4	review	review	PROPN
fsr-3163	401	5	,	,	PUNCT
fsr-3163	401	6	64	64	NUM
fsr-3163	401	7	,	,	PUNCT
fsr-3163	401	8	225–229	225–229	NUM
fsr-3163	401	9	.	.	PUNCT
fsr-3163	402	1	mello	mello	PROPN
fsr-3163	402	2	,	,	PUNCT
fsr-3163	402	3	s.	s.	PROPN
fsr-3163	402	4	(	(	PUNCT
fsr-3163	402	5	2018	2018	NUM
fsr-3163	402	6	)	)	PUNCT
fsr-3163	402	7	.	.	PUNCT
fsr-3163	403	1	speed	speed	NOUN
fsr-3163	403	2	trap	trap	NOUN
fsr-3163	403	3	or	or	CCONJ
fsr-3163	403	4	poverty	poverty	NOUN
fsr-3163	403	5	trap	trap	NOUN
fsr-3163	403	6	?	?	PUNCT
fsr-3163	404	1	fines	fine	NOUN
fsr-3163	404	2	,	,	PUNCT
fsr-3163	404	3	fees	fee	NOUN
fsr-3163	404	4	,	,	PUNCT
fsr-3163	404	5	and	and	CCONJ
fsr-3163	404	6	financial	financial	ADJ
fsr-3163	404	7	wellbeing	wellbeing	NOUN
fsr-3163	404	8	.	.	PUNCT
fsr-3163	405	1	new	new	PROPN
fsr-3163	405	2	york	york	PROPN
fsr-3163	405	3	,	,	PUNCT
fsr-3163	405	4	ny	ny	PROPN
fsr-3163	405	5	:	:	PUNCT
fsr-3163	405	6	fines	fine	NOUN
fsr-3163	405	7	and	and	CCONJ
fsr-3163	405	8	fees	fee	NOUN
fsr-3163	405	9	justice	justice	PROPN
fsr-3163	405	10	center	center	PROPN
fsr-3163	405	11	.	.	PUNCT
fsr-3163	406	1	available	available	ADJ
fsr-3163	406	2	at	at	ADP
fsr-3163	406	3	https://finesandfeesjusticecenter.org/articles/speed-trap-or-poverty-trapfines-fees-and-financial-wellbeing/	https://finesandfeesjusticecenter.org/articles/speed-trap-or-poverty-trapfines-fees-and-financial-wellbeing/	PROPN
fsr-3163	406	4	nielsen	nielsen	PROPN
fsr-3163	406	5	,	,	PUNCT
fsr-3163	406	6	r.	r.	PROPN
fsr-3163	406	7	(	(	PUNCT
fsr-3163	406	8	2015	2015	NUM
fsr-3163	406	9	)	)	PUNCT
fsr-3163	406	10	.	.	PUNCT
fsr-3163	407	1	scf	scf	PROPN
fsr-3163	407	2	complex	complex	ADJ
fsr-3163	407	3	sample	sample	NOUN
fsr-3163	407	4	specification	specification	NOUN
fsr-3163	407	5	for	for	ADP
fsr-3163	407	6	stata	stata	PROPN
fsr-3163	407	7	.	.	PUNCT
fsr-3163	408	1	athens	athens	PROPN
fsr-3163	408	2	,	,	PUNCT
fsr-3163	408	3	ga	ga	PROPN
fsr-3163	408	4	:	:	PUNCT
fsr-3163	408	5	department	department	NOUN
fsr-3163	408	6	of	of	ADP
fsr-3163	408	7	financial	financial	ADJ
fsr-3163	408	8	planning	planning	NOUN
fsr-3163	408	9	housing	housing	NOUN
fsr-3163	408	10	and	and	CCONJ
fsr-3163	408	11	consumer	consumer	NOUN
fsr-3163	408	12	economics	economic	NOUN
fsr-3163	408	13	,	,	PUNCT
fsr-3163	408	14	university	university	NOUN
fsr-3163	408	15	of	of	ADP
fsr-3163	408	16	georgia	georgia	PROPN
fsr-3163	408	17	.	.	PUNCT
fsr-3163	409	1	oliver	oliver	PROPN
fsr-3163	409	2	,	,	PUNCT
fsr-3163	409	3	m.	m.	PROPN
fsr-3163	409	4	l.	l.	PROPN
fsr-3163	409	5	,	,	PUNCT
fsr-3163	409	6	&	&	CCONJ
fsr-3163	409	7	shapiro	shapiro	PROPN
fsr-3163	409	8	,	,	PUNCT
fsr-3163	409	9	t.	t.	NOUN
fsr-3163	409	10	m.	m.	NOUN
fsr-3163	409	11	(	(	PUNCT
fsr-3163	409	12	2006	2006	NUM
fsr-3163	409	13	)	)	PUNCT
fsr-3163	409	14	.	.	PUNCT
fsr-3163	410	1	black	black	ADJ
fsr-3163	410	2	wealth	wealth	NOUN
fsr-3163	410	3	/	/	SYM
fsr-3163	410	4	white	white	ADJ
fsr-3163	410	5	wealth	wealth	NOUN
fsr-3163	410	6	:	:	PUNCT
fsr-3163	410	7	a	a	DET
fsr-3163	410	8	new	new	ADJ
fsr-3163	410	9	perspective	perspective	NOUN
fsr-3163	410	10	on	on	ADP
fsr-3163	410	11	racial	racial	ADJ
fsr-3163	410	12	inequality	inequality	NOUN
fsr-3163	410	13	(	(	PUNCT
fsr-3163	410	14	2nd	2nd	ADJ
fsr-3163	410	15	ed	ed	NOUN
fsr-3163	410	16	.	.	PUNCT
fsr-3163	410	17	)	)	PUNCT
fsr-3163	410	18	.	.	PUNCT
fsr-3163	411	1	new	new	PROPN
fsr-3163	411	2	york	york	PROPN
fsr-3163	411	3	,	,	PUNCT
fsr-3163	411	4	ny	ny	PROPN
fsr-3163	411	5	:	:	PUNCT
fsr-3163	411	6	routledge	routledge	PROPN
fsr-3163	411	7	.	.	PUNCT
fsr-3163	411	8	pettinger	pettinger	NOUN
fsr-3163	411	9	,	,	PUNCT
fsr-3163	411	10	t.	t.	PROPN
fsr-3163	411	11	(	(	PUNCT
fsr-3163	411	12	2019	2019	NUM
fsr-3163	411	13	)	)	PUNCT
fsr-3163	411	14	.	.	PUNCT
fsr-3163	412	1	life	life	NOUN
fsr-3163	412	2	-	-	PUNCT
fsr-3163	412	3	cycle	cycle	NOUN
fsr-3163	412	4	hypothesis	hypothesis	NOUN
fsr-3163	412	5	.	.	PUNCT
fsr-3163	413	1	economics	economic	NOUN
fsr-3163	413	2	help	help	PROPN
fsr-3163	413	3	.	.	PUNCT
fsr-3163	414	1	available	available	ADJ
fsr-3163	414	2	at	at	ADP
fsr-3163	414	3	https://www.economicshelp.org/blog/	https://www.economicshelp.org/blog/	X
fsr-3163	414	4	27080	27080	NUM
fsr-3163	414	5	/	/	SYM
fsr-3163	414	6	concepts	concept	NOUN
fsr-3163	414	7	/	/	SYM
fsr-3163	414	8	life	life	NOUN
fsr-3163	414	9	-	-	PUNCT
fsr-3163	414	10	cycle	cycle	NOUN
fsr-3163	414	11	-	-	PUNCT
fsr-3163	414	12	hypothesis/	hypothesis/	NUM
fsr-3163	414	13	pfeffer	pfeffer	NOUN
fsr-3163	414	14	,	,	PUNCT
fsr-3163	414	15	f.	f.	PROPN
fsr-3163	414	16	t.	t.	PROPN
fsr-3163	414	17	,	,	PUNCT
fsr-3163	414	18	&	&	CCONJ
fsr-3163	414	19	killewald	killewald	PROPN
fsr-3163	414	20	,	,	PUNCT
fsr-3163	414	21	a.	a.	NOUN
fsr-3163	414	22	(	(	PUNCT
fsr-3163	414	23	2018	2018	NUM
fsr-3163	414	24	)	)	PUNCT
fsr-3163	414	25	.	.	PUNCT
fsr-3163	415	1	generations	generation	NOUN
fsr-3163	415	2	of	of	ADP
fsr-3163	415	3	advantage	advantage	NOUN
fsr-3163	415	4	.	.	PUNCT
fsr-3163	416	1	multigenerational	multigenerational	ADJ
fsr-3163	416	2	correlations	correlation	NOUN
fsr-3163	416	3	in	in	ADP
fsr-3163	416	4	family	family	NOUN
fsr-3163	416	5	wealth	wealth	NOUN
fsr-3163	416	6	.	.	PUNCT
fsr-3163	417	1	social	social	ADJ
fsr-3163	417	2	forces	force	NOUN
fsr-3163	417	3	;	;	PUNCT
fsr-3163	417	4	a	a	DET
fsr-3163	417	5	scientific	scientific	ADJ
fsr-3163	417	6	medium	medium	NOUN
fsr-3163	417	7	of	of	ADP
fsr-3163	417	8	social	social	ADJ
fsr-3163	417	9	study	study	NOUN
fsr-3163	417	10	and	and	CCONJ
fsr-3163	417	11	interpretation	interpretation	NOUN
fsr-3163	417	12	,	,	PUNCT
fsr-3163	417	13	96	96	NUM
fsr-3163	417	14	,	,	PUNCT
fsr-3163	417	15	1411–1442	1411–1442	NUM
fsr-3163	417	16	.	.	PUNCT
fsr-3163	418	1	https://doi.org/	https://doi.org/	PROPN
fsr-3163	418	2	10.1093	10.1093	NUM
fsr-3163	418	3	/	/	SYM
fsr-3163	418	4	sf	sf	PROPN
fsr-3163	418	5	/	/	SYM
fsr-3163	418	6	sox086	sox086	VERB
fsr-3163	418	7	postmus	postmus	NOUN
fsr-3163	418	8	,	,	PUNCT
fsr-3163	418	9	j.	j.	PROPN
fsr-3163	418	10	l.	l.	PROPN
fsr-3163	418	11	(	(	PUNCT
fsr-3163	418	12	2011	2011	NUM
fsr-3163	418	13	)	)	PUNCT
fsr-3163	418	14	.	.	PUNCT
fsr-3163	419	1	understanding	understand	VERB
fsr-3163	419	2	financial	financial	ADJ
fsr-3163	419	3	literacy	literacy	NOUN
fsr-3163	419	4	with	with	ADP
fsr-3163	419	5	survivors	survivor	NOUN
fsr-3163	419	6	of	of	ADP
fsr-3163	419	7	intimate	intimate	ADJ
fsr-3163	419	8	partner	partner	NOUN
fsr-3163	419	9	violence	violence	NOUN
fsr-3163	419	10	.	.	PUNCT
fsr-3163	420	1	madison	madison	PROPN
fsr-3163	420	2	,	,	PUNCT
fsr-3163	420	3	wi	wi	PROPN
fsr-3163	420	4	:	:	PUNCT
fsr-3163	420	5	center	center	NOUN
fsr-3163	420	6	for	for	ADP
fsr-3163	420	7	financial	financial	ADJ
fsr-3163	420	8	security	security	NOUN
fsr-3163	420	9	at	at	ADP
fsr-3163	420	10	the	the	DET
fsr-3163	420	11	university	university	PROPN
fsr-3163	420	12	of	of	ADP
fsr-3163	420	13	wisconsin	wisconsin	PROPN
fsr-3163	420	14	.	.	PUNCT
fsr-3163	421	1	available	available	ADJ
fsr-3163	421	2	at	at	ADP
fsr-3163	421	3	http://www.cfs.wisc.edu/	http://www.cfs.wisc.edu/	VERB
fsr-3163	421	4	briefs	brief	NOUN
fsr-3163	421	5	/	/	SYM
fsr-3163	421	6	postmus2011_understandingbrief.pdf	postmus2011_understandingbrief.pdf	PROPN
fsr-3163	421	7	qamar	qamar	PROPN
fsr-3163	421	8	,	,	PUNCT
fsr-3163	421	9	m.	m.	NOUN
fsr-3163	421	10	,	,	PUNCT
fsr-3163	421	11	nadeem	nadeem	PROPN
fsr-3163	421	12	khemta	khemta	PROPN
fsr-3163	421	13	,	,	PUNCT
fsr-3163	421	14	m.	m.	NOUN
fsr-3163	421	15	,	,	PUNCT
fsr-3163	421	16	&	&	CCONJ
fsr-3163	421	17	hassan	hassan	PROPN
fsr-3163	421	18	,	,	PUNCT
fsr-3163	421	19	j.	j.	PROPN
fsr-3163	421	20	(	(	PUNCT
fsr-3163	421	21	2016	2016	NUM
fsr-3163	421	22	)	)	PUNCT
fsr-3163	421	23	.	.	PUNCT
fsr-3163	422	1	how	how	SCONJ
fsr-3163	422	2	knowledge	knowledge	NOUN
fsr-3163	422	3	and	and	CCONJ
fsr-3163	422	4	financial	financial	ADJ
fsr-3163	422	5	self	self	NOUN
fsr-3163	422	6	-	-	PUNCT
fsr-3163	422	7	efficacy	efficacy	NOUN
fsr-3163	422	8	moderate	moderate	ADJ
fsr-3163	422	9	the	the	DET
fsr-3163	422	10	relationship	relationship	NOUN
fsr-3163	422	11	between	between	ADP
fsr-3163	422	12	money	money	NOUN
fsr-3163	422	13	attitudes	attitude	NOUN
fsr-3163	422	14	and	and	CCONJ
fsr-3163	422	15	personal	personal	ADJ
fsr-3163	422	16	financial	financial	ADJ
fsr-3163	422	17	management	management	NOUN
fsr-3163	422	18	behavior	behavior	NOUN
fsr-3163	422	19	.	.	PUNCT
fsr-3163	423	1	european	european	PROPN
fsr-3163	423	2	online	online	PROPN
fsr-3163	423	3	journal	journal	PROPN
fsr-3163	423	4	of	of	ADP
fsr-3163	423	5	natural	natural	ADJ
fsr-3163	423	6	and	and	CCONJ
fsr-3163	423	7	social	social	ADJ
fsr-3163	423	8	sciences	science	NOUN
fsr-3163	423	9	,	,	PUNCT
fsr-3163	423	10	5	5	NUM
fsr-3163	423	11	,	,	PUNCT
fsr-3163	423	12	296–308	296–308	NUM
fsr-3163	423	13	.	.	PUNCT
fsr-3163	424	1	sabri	sabri	PROPN
fsr-3163	424	2	,	,	PUNCT
fsr-3163	424	3	m.	m.	PROPN
fsr-3163	424	4	f.	f.	PROPN
fsr-3163	424	5	,	,	PUNCT
fsr-3163	424	6	syahrul	syahrul	PROPN
fsr-3163	424	7	,	,	PUNCT
fsr-3163	424	8	r.	r.	PROPN
fsr-3163	424	9	,	,	PUNCT
fsr-3163	424	10	&	&	CCONJ
fsr-3163	424	11	wijekoon	wijekoon	PROPN
fsr-3163	424	12	,	,	PUNCT
fsr-3163	424	13	r.	r.	PROPN
fsr-3163	424	14	(	(	PUNCT
fsr-3163	424	15	2020	2020	NUM
fsr-3163	424	16	)	)	PUNCT
fsr-3163	424	17	.	.	PUNCT
fsr-3163	425	1	financial	financial	ADJ
fsr-3163	425	2	management	management	NOUN
fsr-3163	425	3	,	,	PUNCT
fsr-3163	425	4	savings	saving	NOUN
fsr-3163	425	5	and	and	CCONJ
fsr-3163	425	6	investment	investment	NOUN
fsr-3163	425	7	behavior	behavior	NOUN
fsr-3163	425	8	and	and	CCONJ
fsr-3163	425	9	financial	financial	ADJ
fsr-3163	425	10	well	well	NOUN
fsr-3163	425	11	-	-	PUNCT
fsr-3163	425	12	being	being	NOUN
fsr-3163	425	13	of	of	ADP
fsr-3163	425	14	working	work	VERB
fsr-3163	425	15	women	woman	NOUN
fsr-3163	425	16	in	in	ADP
fsr-3163	425	17	the	the	DET
fsr-3163	425	18	public	public	ADJ
fsr-3163	425	19	sector	sector	NOUN
fsr-3163	425	20	.	.	PUNCT
fsr-3163	426	1	majalah	majalah	PROPN
fsr-3163	426	2	ilmiah	ilmiah	PROPN
fsr-3163	426	3	bijak	bijak	PROPN
fsr-3163	426	4	,	,	PUNCT
fsr-3163	426	5	17	17	NUM
fsr-3163	426	6	,	,	PUNCT
fsr-3163	426	7	135–153	135–153	NUM
fsr-3163	426	8	.	.	PUNCT
fsr-3163	427	1	https://doi	https://doi	PROPN
fsr-3163	427	2	.	.	PUNCT
fsr-3163	427	3	org/10.31334	org/10.31334	PROPN
fsr-3163	427	4	/	/	SYM
fsr-3163	427	5	bijak.v17i2.1008	bijak.v17i2.1008	NOUN
fsr-3163	427	6	semega	semega	NOUN
fsr-3163	427	7	,	,	PUNCT
fsr-3163	427	8	j.	j.	PROPN
fsr-3163	427	9	,	,	PUNCT
fsr-3163	427	10	kollar	kollar	ADJ
fsr-3163	427	11	,	,	PUNCT
fsr-3163	427	12	m.	m.	NOUN
fsr-3163	427	13	,	,	PUNCT
fsr-3163	427	14	shrider	shrider	PROPN
fsr-3163	427	15	,	,	PUNCT
fsr-3163	427	16	e.	e.	PROPN
fsr-3163	427	17	a.	a.	PROPN
fsr-3163	427	18	,	,	PUNCT
fsr-3163	427	19	&	&	CCONJ
fsr-3163	427	20	creamer	creamer	PROPN
fsr-3163	427	21	,	,	PUNCT
fsr-3163	427	22	j.	j.	PROPN
fsr-3163	427	23	(	(	PUNCT
fsr-3163	427	24	2020	2020	NUM
fsr-3163	427	25	)	)	PUNCT
fsr-3163	427	26	.	.	PUNCT
fsr-3163	428	1	household	household	NOUN
fsr-3163	428	2	income	income	NOUN
fsr-3163	428	3	:	:	PUNCT
fsr-3163	428	4	2019	2019	NUM
fsr-3163	428	5	census.gov	census.gov	PROPN
fsr-3163	428	6	.	.	PUNCT
fsr-3163	429	1	income	income	NOUN
fsr-3163	429	2	and	and	CCONJ
fsr-3163	429	3	poverty	poverty	NOUN
fsr-3163	429	4	in	in	ADP
fsr-3163	429	5	the	the	DET
fsr-3163	429	6	united	united	PROPN
fsr-3163	429	7	states	states	PROPN
fsr-3163	429	8	:	:	PUNCT
fsr-3163	429	9	2019	2019	NUM
fsr-3163	429	10	.	.	PUNCT
fsr-3163	429	11	available	available	ADJ
fsr-3163	429	12	at	at	ADP
fsr-3163	429	13	https://www.census.gov/content/dam/census/library/	https://www.census.gov/content/dam/census/library/	PROPN
fsr-3163	429	14	publications/2020	publications/2020	PROPN
fsr-3163	429	15	/	/	SYM
fsr-3163	429	16	acs	acs	NOUN
fsr-3163	429	17	/	/	SYM
fsr-3163	429	18	acsbr20	acsbr20	NOUN
fsr-3163	429	19	-	-	PUNCT
fsr-3163	429	20	03.pdf	03.pdf	PROPN
fsr-3163	429	21	shim	shim	NOUN
fsr-3163	429	22	,	,	PUNCT
fsr-3163	429	23	s.	s.	PROPN
fsr-3163	429	24	,	,	PUNCT
fsr-3163	429	25	barber	barber	PROPN
fsr-3163	429	26	,	,	PUNCT
fsr-3163	429	27	b.	b.	PROPN
fsr-3163	429	28	l.	l.	PROPN
fsr-3163	429	29	,	,	PUNCT
fsr-3163	429	30	card	card	NOUN
fsr-3163	429	31	,	,	PUNCT
fsr-3163	429	32	n.	n.	PROPN
fsr-3163	429	33	a.	a.	PROPN
fsr-3163	429	34	,	,	PUNCT
fsr-3163	429	35	xiao	xiao	PROPN
fsr-3163	429	36	,	,	PUNCT
fsr-3163	429	37	j.	j.	PROPN
fsr-3163	429	38	j.	j.	PROPN
fsr-3163	429	39	,	,	PUNCT
fsr-3163	429	40	&	&	CCONJ
fsr-3163	429	41	serido	serido	PRON
fsr-3163	429	42	,	,	PUNCT
fsr-3163	429	43	j.	j.	PROPN
fsr-3163	429	44	(	(	PUNCT
fsr-3163	429	45	2010	2010	NUM
fsr-3163	429	46	)	)	PUNCT
fsr-3163	429	47	.	.	PUNCT
fsr-3163	430	1	financial	financial	ADJ
fsr-3163	430	2	socialization	socialization	NOUN
fsr-3163	430	3	of	of	ADP
fsr-3163	430	4	first	first	ADJ
fsr-3163	430	5	-	-	PUNCT
fsr-3163	430	6	year	year	NOUN
fsr-3163	430	7	college	college	NOUN
fsr-3163	430	8	students	student	NOUN
fsr-3163	430	9	:	:	PUNCT
fsr-3163	430	10	the	the	DET
fsr-3163	430	11	roles	role	NOUN
fsr-3163	430	12	of	of	ADP
fsr-3163	430	13	parents	parent	NOUN
fsr-3163	430	14	,	,	PUNCT
fsr-3163	430	15	work	work	NOUN
fsr-3163	430	16	,	,	PUNCT
fsr-3163	430	17	and	and	CCONJ
fsr-3163	430	18	education	education	NOUN
fsr-3163	430	19	.	.	PUNCT
fsr-3163	431	1	journal	journal	NOUN
fsr-3163	431	2	of	of	ADP
fsr-3163	431	3	youth	youth	NOUN
fsr-3163	431	4	and	and	CCONJ
fsr-3163	431	5	adolescence	adolescence	NOUN
fsr-3163	431	6	,	,	PUNCT
fsr-3163	431	7	39	39	NUM
fsr-3163	431	8	,	,	PUNCT
fsr-3163	431	9	1457–1470	1457–1470	NUM
fsr-3163	431	10	.	.	PUNCT
fsr-3163	432	1	https://doi.org/10.1007/s10964-009-9432-x	https://doi.org/10.1007/s10964-009-9432-x	PROPN
fsr-3163	432	2	sivaramakrishnan	sivaramakrishnan	PROPN
fsr-3163	432	3	,	,	PUNCT
fsr-3163	432	4	s.	s.	PROPN
fsr-3163	432	5	,	,	PUNCT
fsr-3163	432	6	&	&	CCONJ
fsr-3163	432	7	srivastava	srivastava	PROPN
fsr-3163	432	8	,	,	PUNCT
fsr-3163	432	9	m.	m.	NOUN
fsr-3163	432	10	(	(	PUNCT
fsr-3163	432	11	2019	2019	NUM
fsr-3163	432	12	)	)	PUNCT
fsr-3163	432	13	.	.	PUNCT
fsr-3163	433	1	financial	financial	ADJ
fsr-3163	433	2	well	well	ADV
fsr-3163	433	3	-	-	PUNCT
fsr-3163	433	4	being	being	NOUN
fsr-3163	433	5	,	,	PUNCT
fsr-3163	433	6	risk	risk	NOUN
fsr-3163	433	7	avoidance	avoidance	NOUN
fsr-3163	433	8	and	and	CCONJ
fsr-3163	433	9	stock	stock	NOUN
fsr-3163	433	10	market	market	NOUN
fsr-3163	433	11	participation	participation	NOUN
fsr-3163	433	12	.	.	PUNCT
fsr-3163	434	1	international	international	ADJ
fsr-3163	434	2	journal	journal	PROPN
fsr-3163	434	3	of	of	ADP
fsr-3163	434	4	financial	financial	ADJ
fsr-3163	434	5	services	service	NOUN
fsr-3163	434	6	management	management	NOUN
fsr-3163	434	7	,	,	PUNCT
fsr-3163	434	8	9	9	NUM
fsr-3163	434	9	,	,	PUNCT
fsr-3163	434	10	326–344	326–344	NUM
fsr-3163	434	11	.	.	PUNCT
fsr-3163	435	1	https://doi.org/10.1504/ijfsm.2019.102456	https://doi.org/10.1504/ijfsm.2019.102456	PROPN
fsr-3163	435	2	stromback	stromback	NOUN
fsr-3163	435	3	,	,	PUNCT
fsr-3163	435	4	c.	c.	PROPN
fsr-3163	435	5	,	,	PUNCT
fsr-3163	435	6	lind	lind	PROPN
fsr-3163	435	7	,	,	PUNCT
fsr-3163	435	8	t.	t.	PROPN
fsr-3163	435	9	,	,	PUNCT
fsr-3163	435	10	skagerlund	skagerlund	PROPN
fsr-3163	435	11	,	,	PUNCT
fsr-3163	435	12	k.	k.	PROPN
fsr-3163	435	13	,	,	PUNCT
fsr-3163	435	14	vastfjall	vastfjall	PROPN
fsr-3163	435	15	,	,	PUNCT
fsr-3163	435	16	d.	d.	PROPN
fsr-3163	435	17	,	,	PUNCT
fsr-3163	435	18	&	&	CCONJ
fsr-3163	435	19	tinghog	tinghog	PROPN
fsr-3163	435	20	,	,	PUNCT
fsr-3163	435	21	g.	g.	PROPN
fsr-3163	435	22	(	(	PUNCT
fsr-3163	435	23	2017	2017	NUM
fsr-3163	435	24	)	)	PUNCT
fsr-3163	435	25	.	.	PUNCT
fsr-3163	436	1	does	do	AUX
fsr-3163	436	2	self	self	NOUN
fsr-3163	436	3	-	-	PUNCT
fsr-3163	436	4	control	control	NOUN
fsr-3163	436	5	predict	predict	VERB
fsr-3163	436	6	financial	financial	ADJ
fsr-3163	436	7	behavior	behavior	NOUN
fsr-3163	436	8	and	and	CCONJ
fsr-3163	436	9	financial	financial	ADJ
fsr-3163	436	10	wellbeing	wellbeing	NOUN
fsr-3163	436	11	?	?	PUNCT
fsr-3163	437	1	journal	journal	NOUN
fsr-3163	437	2	of	of	ADP
fsr-3163	437	3	behavioral	behavioral	ADJ
fsr-3163	437	4	and	and	CCONJ
fsr-3163	437	5	experimental	experimental	ADJ
fsr-3163	437	6	finance	finance	NOUN
fsr-3163	437	7	,	,	PUNCT
fsr-3163	437	8	14	14	NUM
fsr-3163	437	9	,	,	PUNCT
fsr-3163	437	10	30–38	30–38	NUM
fsr-3163	437	11	.	.	PUNCT
fsr-3163	438	1	https://doi	https://doi	X
fsr-3163	438	2	.	.	PUNCT
fsr-3163	438	3	org/10.1016	org/10.1016	PROPN
fsr-3163	438	4	/	/	SYM
fsr-3163	438	5	j.jbef.2017.04.002	j.jbef.2017.04.002	PROPN
fsr-3163	438	6	sundarasen	sundarasen	PROPN
fsr-3163	438	7	,	,	PUNCT
fsr-3163	438	8	s.	s.	PROPN
fsr-3163	438	9	d.	d.	PROPN
fsr-3163	438	10	d.	d.	PROPN
fsr-3163	438	11	,	,	PUNCT
fsr-3163	438	12	rahman	rahman	PROPN
fsr-3163	438	13	,	,	PUNCT
fsr-3163	438	14	m.	m.	NOUN
fsr-3163	438	15	s.	s.	PROPN
fsr-3163	438	16	,	,	PUNCT
fsr-3163	438	17	othman	othman	PROPN
fsr-3163	438	18	,	,	PUNCT
fsr-3163	438	19	n.	n.	PROPN
fsr-3163	438	20	s.	s.	PROPN
fsr-3163	438	21	,	,	PUNCT
fsr-3163	438	22	&	&	CCONJ
fsr-3163	438	23	danaraj	danaraj	PROPN
fsr-3163	438	24	,	,	PUNCT
fsr-3163	438	25	j.	j.	PROPN
fsr-3163	438	26	(	(	PUNCT
fsr-3163	438	27	2016	2016	NUM
fsr-3163	438	28	)	)	PUNCT
fsr-3163	438	29	.	.	PUNCT
fsr-3163	439	1	impact	impact	NOUN
fsr-3163	439	2	of	of	ADP
fsr-3163	439	3	financial	financial	ADJ
fsr-3163	439	4	literacy	literacy	NOUN
fsr-3163	439	5	,	,	PUNCT
fsr-3163	439	6	financial	financial	ADJ
fsr-3163	439	7	socialization	socialization	NOUN
fsr-3163	439	8	agents	agent	NOUN
fsr-3163	439	9	,	,	PUNCT
fsr-3163	439	10	and	and	CCONJ
fsr-3163	439	11	parental	parental	ADJ
fsr-3163	439	12	norms	norm	NOUN
fsr-3163	439	13	on	on	ADP
fsr-3163	439	14	money	money	NOUN
fsr-3163	439	15	management	management	NOUN
fsr-3163	439	16	.	.	PUNCT
fsr-3163	440	1	journal	journal	PROPN
fsr-3163	440	2	of	of	ADP
fsr-3163	440	3	business	business	NOUN
fsr-3163	440	4	studies	study	NOUN
fsr-3163	440	5	quarterly	quarterly	ADV
fsr-3163	440	6	,	,	PUNCT
fsr-3163	440	7	8	8	NUM
fsr-3163	440	8	,	,	PUNCT
fsr-3163	440	9	140–156	140–156	NUM
fsr-3163	440	10	.	.	PUNCT
fsr-3163	441	1	https://www.researchgate.net/publication/315816479_impact_of_financial_literacy_financial_socialization	https://www.researchgate.net/publication/315816479_impact_of_financial_literacy_financial_socialization	NOUN
fsr-3163	441	2	_	_	DET
fsr-3163	441	3	agents_and_parental_norms_on_money_management	agents_and_parental_norms_on_money_management	NOUN
fsr-3163	441	4	wahla	wahla	PROPN
fsr-3163	441	5	,	,	PUNCT
fsr-3163	441	6	k.	k.	PROPN
fsr-3163	441	7	r.	r.	PROPN
fsr-3163	441	8	,	,	PUNCT
fsr-3163	441	9	aktar	aktar	PROPN
fsr-3163	441	10	,	,	PUNCT
fsr-3163	441	11	h.	h.	PROPN
fsr-3163	441	12	,	,	PUNCT
fsr-3163	441	13	&	&	CCONJ
fsr-3163	441	14	ali	ali	PROPN
fsr-3163	441	15	shah	shah	PROPN
fsr-3163	441	16	,	,	PUNCT
fsr-3163	441	17	s.	s.	PROPN
fsr-3163	441	18	z.	z.	PROPN
fsr-3163	441	19	(	(	PUNCT
fsr-3163	441	20	2019	2019	NUM
fsr-3163	441	21	)	)	PUNCT
fsr-3163	441	22	.	.	PUNCT
fsr-3163	442	1	framing	frame	VERB
fsr-3163	442	2	effects	effect	NOUN
fsr-3163	442	3	and	and	CCONJ
fsr-3163	442	4	financial	financial	ADJ
fsr-3163	442	5	well	well	NOUN
fsr-3163	442	6	-	-	PUNCT
fsr-3163	442	7	being	being	NOUN
fsr-3163	442	8	:	:	PUNCT
fsr-3163	442	9	role	role	NOUN
fsr-3163	442	10	of	of	ADP
fsr-3163	442	11	investment	investment	NOUN
fsr-3163	442	12	behaviors	behavior	NOUN
fsr-3163	442	13	as	as	ADP
fsr-3163	442	14	mediator	mediator	NOUN
fsr-3163	442	15	.	.	PUNCT
fsr-3163	443	1	review	review	NOUN
fsr-3163	443	2	of	of	ADP
fsr-3163	443	3	economic	economic	ADJ
fsr-3163	443	4	and	and	CCONJ
fsr-3163	443	5	development	development	NOUN
fsr-3163	443	6	studies	study	NOUN
fsr-3163	443	7	,	,	PUNCT
fsr-3163	443	8	5	5	NUM
fsr-3163	443	9	,	,	PUNCT
fsr-3163	443	10	343–354	343–354	NUM
fsr-3163	443	11	.	.	PUNCT
fsr-3163	444	1	williams	williams	PROPN
fsr-3163	444	2	,	,	PUNCT
fsr-3163	444	3	a.	a.	PROPN
fsr-3163	444	4	p.	p.	NOUN
fsr-3163	444	5	(	(	PUNCT
fsr-3163	444	6	2015	2015	NUM
fsr-3163	444	7	)	)	PUNCT
fsr-3163	444	8	.	.	PUNCT
fsr-3163	445	1	lending	lending	NOUN
fsr-3163	445	2	discrimination	discrimination	NOUN
fsr-3163	445	3	,	,	PUNCT
fsr-3163	445	4	the	the	DET
fsr-3163	445	5	foreclosure	foreclosure	NOUN
fsr-3163	445	6	crisis	crisis	NOUN
fsr-3163	445	7	and	and	CCONJ
fsr-3163	445	8	the	the	DET
fsr-3163	445	9	perpetuation	perpetuation	NOUN
fsr-3163	445	10	of	of	ADP
fsr-3163	445	11	racial	racial	ADJ
fsr-3163	445	12	and	and	CCONJ
fsr-3163	445	13	ethnic	ethnic	ADJ
fsr-3163	445	14	disparities	disparity	NOUN
fsr-3163	445	15	in	in	ADP
fsr-3163	445	16	homeownership	homeownership	NOUN
fsr-3163	445	17	in	in	ADP
fsr-3163	445	18	the	the	DET
fsr-3163	445	19	u.s.william	u.s.william	PROPN
fsr-3163	445	20	&	&	CCONJ
fsr-3163	445	21	mary	mary	PROPN
fsr-3163	445	22	business	business	PROPN
fsr-3163	445	23	literature	literature	PROPN
fsr-3163	445	24	review	review	PROPN
fsr-3163	445	25	,	,	PUNCT
fsr-3163	445	26	6	6	NUM
fsr-3163	445	27	,	,	PUNCT
fsr-3163	445	28	601–661	601–661	NUM
fsr-3163	445	29	.	.	PUNCT
fsr-3163	446	1	williams	williams	PROPN
fsr-3163	446	2	,	,	PUNCT
fsr-3163	446	3	d.	d.	PROPN
fsr-3163	446	4	r.	r.	PROPN
fsr-3163	446	5	(	(	PUNCT
fsr-3163	446	6	1999	1999	NUM
fsr-3163	446	7	)	)	PUNCT
fsr-3163	446	8	.	.	PUNCT
fsr-3163	447	1	race	race	NOUN
fsr-3163	447	2	,	,	PUNCT
fsr-3163	447	3	socioeconomic	socioeconomic	ADJ
fsr-3163	447	4	status	status	NOUN
fsr-3163	447	5	,	,	PUNCT
fsr-3163	447	6	and	and	CCONJ
fsr-3163	447	7	health	health	NOUN
fsr-3163	447	8	.	.	PUNCT
fsr-3163	448	1	the	the	DET
fsr-3163	448	2	added	add	VERB
fsr-3163	448	3	effects	effect	NOUN
fsr-3163	448	4	of	of	ADP
fsr-3163	448	5	racism	racism	NOUN
fsr-3163	448	6	and	and	CCONJ
fsr-3163	448	7	discrimination	discrimination	NOUN
fsr-3163	448	8	.	.	PUNCT
fsr-3163	449	1	annals	annal	NOUN
fsr-3163	449	2	of	of	ADP
fsr-3163	449	3	the	the	DET
fsr-3163	449	4	new	new	PROPN
fsr-3163	449	5	york	york	PROPN
fsr-3163	449	6	academy	academy	PROPN
fsr-3163	449	7	of	of	ADP
fsr-3163	449	8	sciences	sciences	PROPN
fsr-3163	449	9	,	,	PUNCT
fsr-3163	449	10	896	896	NUM
fsr-3163	449	11	,	,	PUNCT
fsr-3163	449	12	173–188	173–188	NUM
fsr-3163	449	13	.	.	PUNCT
fsr-3163	450	1	https://doi.org/10.1111/j.1749-6632.1999	https://doi.org/10.1111/j.1749-6632.1999	PROPN
fsr-3163	450	2	.	.	PUNCT
fsr-3163	451	1	tb08114.x	tb08114.x	PROPN
fsr-3163	451	2	zakaria	zakaria	PROPN
fsr-3163	451	3	,	,	PUNCT
fsr-3163	451	4	r.	r.	PROPN
fsr-3163	451	5	h.	h.	PROPN
fsr-3163	451	6	,	,	PUNCT
fsr-3163	451	7	jaafar	jaafar	ADV
fsr-3163	451	8	,	,	PUNCT
fsr-3163	451	9	n.	n.	PROPN
fsr-3163	451	10	i.	i.	PROPN
fsr-3163	451	11	m.	m.	PROPN
fsr-3163	451	12	,	,	PUNCT
fsr-3163	451	13	&	&	CCONJ
fsr-3163	451	14	marican	marican	PROPN
fsr-3163	451	15	,	,	PUNCT
fsr-3163	451	16	s.	s.	PROPN
fsr-3163	451	17	(	(	PUNCT
fsr-3163	451	18	2012	2012	NUM
fsr-3163	451	19	)	)	PUNCT
fsr-3163	451	20	.	.	PUNCT
fsr-3163	452	1	financial	financial	ADJ
fsr-3163	452	2	behavior	behavior	NOUN
fsr-3163	452	3	and	and	CCONJ
fsr-3163	452	4	financial	financial	ADJ
fsr-3163	452	5	position	position	NOUN
fsr-3163	452	6	:	:	PUNCT
fsr-3163	452	7	a	a	DET
fsr-3163	452	8	structural	structural	ADJ
fsr-3163	452	9	equation	equation	NOUN
fsr-3163	452	10	modeling	model	VERB
fsr-3163	452	11	approach.middle	approach.middle	PROPN
fsr-3163	452	12	east	east	NOUN
fsr-3163	452	13	.	.	PUNCT
fsr-3163	453	1	journal	journal	PROPN
fsr-3163	453	2	of	of	ADP
fsr-3163	453	3	scientific	scientific	ADJ
fsr-3163	453	4	research	research	NOUN
fsr-3163	453	5	,	,	PUNCT
fsr-3163	453	6	12	12	NUM
fsr-3163	453	7	,	,	PUNCT
fsr-3163	453	8	1396–1402	1396–1402	NUM
fsr-3163	453	9	.	.	PUNCT
fsr-3163	453	10	336	336	NUM
fsr-3163	453	11	c.	c.	PROPN
fsr-3163	453	12	w.	w.	PROPN
fsr-3163	453	13	copeland	copeland	PROPN
fsr-3163	453	14	et	et	PROPN
fsr-3163	453	15	al	al	PROPN
fsr-3163	453	16	.	.	PUNCT
fsr-3163	453	17	/	/	SYM
fsr-3163	453	18	financial	financial	ADJ
fsr-3163	453	19	services	service	NOUN
fsr-3163	453	20	review	review	VERB
fsr-3163	453	21	30	30	NUM
fsr-3163	453	22	(	(	PUNCT
fsr-3163	453	23	2022	2022	NUM
fsr-3163	453	24	)	)	PUNCT
fsr-3163	453	25	321–336	321–336	NUM