id	sid	tid	token	lemma	pos
fsr-3164	1	1	financial	financial	ADJ
fsr-3164	1	2	capability	capability	NOUN
fsr-3164	1	3	across	across	ADP
fsr-3164	1	4	generations	generation	NOUN
fsr-3164	1	5	and	and	CCONJ
fsr-3164	1	6	technology	technology	NOUN
fsr-3164	1	7	abeba	abeba	PROPN
fsr-3164	1	8	mussaa	mussaa	PROPN
fsr-3164	1	9	,	,	PUNCT
fsr-3164	1	10	meeghan	meeghan	ADV
fsr-3164	1	11	rogersb	rogersb	PROPN
fsr-3164	1	12	,	,	PUNCT
fsr-3164	1	13	xu	xu	PROPN
fsr-3164	2	1	zhanga	zhanga	PROPN
fsr-3164	2	2	,	,	PUNCT
fsr-3164	2	3	*	*	PUNCT
fsr-3164	2	4	adepartment	adepartment	NOUN
fsr-3164	2	5	of	of	ADP
fsr-3164	2	6	economics	economic	NOUN
fsr-3164	2	7	,	,	PUNCT
fsr-3164	2	8	farmingdale	farmingdale	PROPN
fsr-3164	2	9	state	state	PROPN
fsr-3164	2	10	college	college	PROPN
fsr-3164	2	11	,	,	PUNCT
fsr-3164	2	12	state	state	NOUN
fsr-3164	2	13	university	university	PROPN
fsr-3164	2	14	of	of	ADP
fsr-3164	2	15	new	new	PROPN
fsr-3164	2	16	york	york	PROPN
fsr-3164	2	17	,	,	PUNCT
fsr-3164	2	18	2350	2350	NUM
fsr-3164	2	19	broadhollow	broadhollow	NOUN
fsr-3164	2	20	road	road	NOUN
fsr-3164	2	21	,	,	PUNCT
fsr-3164	2	22	farmingdale	farmingdale	PROPN
fsr-3164	2	23	,	,	PUNCT
fsr-3164	2	24	ny	ny	PROPN
fsr-3164	2	25	11735–1021	11735–1021	NUM
fsr-3164	2	26	,	,	PUNCT
fsr-3164	2	27	usa	usa	PROPN
fsr-3164	2	28	bdepartment	bdepartment	PROPN
fsr-3164	2	29	of	of	ADP
fsr-3164	2	30	business	business	NOUN
fsr-3164	2	31	management	management	NOUN
fsr-3164	2	32	,	,	PUNCT
fsr-3164	2	33	farmingdale	farmingdale	PROPN
fsr-3164	2	34	state	state	PROPN
fsr-3164	2	35	college	college	PROPN
fsr-3164	2	36	,	,	PUNCT
fsr-3164	2	37	state	state	NOUN
fsr-3164	2	38	university	university	PROPN
fsr-3164	2	39	of	of	ADP
fsr-3164	2	40	new	new	PROPN
fsr-3164	2	41	york	york	PROPN
fsr-3164	2	42	,	,	PUNCT
fsr-3164	2	43	2350	2350	NUM
fsr-3164	2	44	broadhollow	broadhollow	NOUN
fsr-3164	2	45	road	road	NOUN
fsr-3164	2	46	,	,	PUNCT
fsr-3164	2	47	farmingdale	farmingdale	PROPN
fsr-3164	2	48	,	,	PUNCT
fsr-3164	2	49	ny	ny	PROPN
fsr-3164	2	50	11735–1021	11735–1021	NUM
fsr-3164	2	51	,	,	PUNCT
fsr-3164	2	52	usa	usa	PROPN
fsr-3164	2	53	abstract	abstract	ADJ
fsr-3164	2	54	financial	financial	ADJ
fsr-3164	2	55	capability	capability	NOUN
fsr-3164	2	56	is	be	AUX
fsr-3164	2	57	critical	critical	ADJ
fsr-3164	2	58	for	for	ADP
fsr-3164	2	59	individuals	individual	NOUN
fsr-3164	2	60	to	to	PART
fsr-3164	2	61	survive	survive	VERB
fsr-3164	2	62	economic	economic	ADJ
fsr-3164	2	63	hardship	hardship	NOUN
fsr-3164	2	64	.	.	PUNCT
fsr-3164	3	1	as	as	ADP
fsr-3164	3	2	the	the	DET
fsr-3164	3	3	first	first	ADJ
fsr-3164	3	4	attempt	attempt	NOUN
fsr-3164	3	5	in	in	ADP
fsr-3164	3	6	the	the	DET
fsr-3164	3	7	literature	literature	NOUN
fsr-3164	3	8	,	,	PUNCT
fsr-3164	3	9	our	our	PRON
fsr-3164	3	10	research	research	NOUN
fsr-3164	3	11	explores	explore	VERB
fsr-3164	3	12	how	how	SCONJ
fsr-3164	3	13	being	be	AUX
fsr-3164	3	14	technology	technology	NOUN
fsr-3164	3	15	savvy	savvy	ADJ
fsr-3164	3	16	is	be	AUX
fsr-3164	3	17	relevant	relevant	ADJ
fsr-3164	3	18	in	in	ADP
fsr-3164	3	19	explaining	explain	VERB
fsr-3164	3	20	individuals	individual	NOUN
fsr-3164	3	21	’	'	PUNCT
fsr-3164	3	22	short	short	ADJ
fsr-3164	3	23	-	-	PUNCT
fsr-3164	3	24	term	term	NOUN
fsr-3164	3	25	and	and	CCONJ
fsr-3164	3	26	long	long	ADJ
fsr-3164	3	27	-	-	PUNCT
fsr-3164	3	28	term	term	NOUN
fsr-3164	3	29	financial	financial	ADJ
fsr-3164	3	30	behavior	behavior	NOUN
fsr-3164	3	31	.	.	PUNCT
fsr-3164	4	1	specifically	specifically	ADV
fsr-3164	4	2	,	,	PUNCT
fsr-3164	4	3	we	we	PRON
fsr-3164	4	4	use	use	VERB
fsr-3164	4	5	the	the	DET
fsr-3164	4	6	2018	2018	NUM
fsr-3164	4	7	national	national	ADJ
fsr-3164	4	8	financial	financial	ADJ
fsr-3164	4	9	capability	capability	NOUN
fsr-3164	4	10	study	study	NOUN
fsr-3164	4	11	(	(	PUNCT
fsr-3164	4	12	nfcs	nfc	NOUN
fsr-3164	4	13	)	)	PUNCT
fsr-3164	4	14	to	to	PART
fsr-3164	4	15	uncover	uncover	VERB
fsr-3164	4	16	the	the	DET
fsr-3164	4	17	mixed	mixed	ADJ
fsr-3164	4	18	roles	role	NOUN
fsr-3164	4	19	of	of	ADP
fsr-3164	4	20	technology	technology	NOUN
fsr-3164	4	21	in	in	ADP
fsr-3164	4	22	personal	personal	ADJ
fsr-3164	4	23	financial	financial	ADJ
fsr-3164	4	24	management	management	NOUN
fsr-3164	4	25	.	.	PUNCT
fsr-3164	5	1	being	be	AUX
fsr-3164	5	2	technology	technology	NOUN
fsr-3164	5	3	savvy	savvy	ADJ
fsr-3164	5	4	was	be	AUX
fsr-3164	5	5	consistently	consistently	ADV
fsr-3164	5	6	associated	associate	VERB
fsr-3164	5	7	with	with	ADP
fsr-3164	5	8	less	less	ADV
fsr-3164	5	9	desired	desire	VERB
fsr-3164	5	10	short	short	ADJ
fsr-3164	5	11	-	-	PUNCT
fsr-3164	5	12	term	term	NOUN
fsr-3164	5	13	financial	financial	ADJ
fsr-3164	5	14	behavior	behavior	NOUN
fsr-3164	5	15	while	while	SCONJ
fsr-3164	5	16	positively	positively	ADV
fsr-3164	5	17	related	relate	VERB
fsr-3164	5	18	to	to	ADP
fsr-3164	5	19	good	good	ADJ
fsr-3164	5	20	long	long	ADJ
fsr-3164	5	21	-	-	PUNCT
fsr-3164	5	22	term	term	NOUN
fsr-3164	5	23	financial	financial	ADJ
fsr-3164	5	24	behavior	behavior	NOUN
fsr-3164	5	25	after	after	ADP
fsr-3164	5	26	controlling	control	VERB
fsr-3164	5	27	for	for	ADP
fsr-3164	5	28	individual	individual	ADJ
fsr-3164	5	29	financial	financial	ADJ
fsr-3164	5	30	constraints	constraint	NOUN
fsr-3164	5	31	and	and	CCONJ
fsr-3164	5	32	other	other	ADJ
fsr-3164	5	33	socio	socio	NOUN
fsr-3164	5	34	-	-	PUNCT
fsr-3164	5	35	economic	economic	ADJ
fsr-3164	5	36	variables	variable	NOUN
fsr-3164	5	37	.	.	PUNCT
fsr-3164	6	1	moreover	moreover	ADV
fsr-3164	6	2	,	,	PUNCT
fsr-3164	6	3	our	our	PRON
fsr-3164	6	4	study	study	NOUN
fsr-3164	6	5	demonstrates	demonstrate	VERB
fsr-3164	6	6	the	the	DET
fsr-3164	6	7	generational	generational	ADJ
fsr-3164	6	8	disparity	disparity	NOUN
fsr-3164	6	9	of	of	ADP
fsr-3164	6	10	being	be	AUX
fsr-3164	6	11	technology	technology	NOUN
fsr-3164	6	12	savvy	savvy	ADJ
fsr-3164	6	13	related	relate	VERB
fsr-3164	6	14	to	to	ADP
fsr-3164	6	15	financial	financial	ADJ
fsr-3164	6	16	behavior	behavior	NOUN
fsr-3164	6	17	.	.	PUNCT
fsr-3164	7	1	©	©	PROPN
fsr-3164	7	2	2022	2022	NUM
fsr-3164	7	3	academy	academy	NOUN
fsr-3164	7	4	of	of	ADP
fsr-3164	7	5	financial	financial	ADJ
fsr-3164	7	6	services	service	NOUN
fsr-3164	7	7	.	.	PUNCT
fsr-3164	8	1	all	all	DET
fsr-3164	8	2	rights	right	NOUN
fsr-3164	8	3	reserved	reserve	VERB
fsr-3164	8	4	.	.	PUNCT
fsr-3164	9	1	jel	jel	PROPN
fsr-3164	9	2	classifications	classification	NOUN
fsr-3164	9	3	:	:	PUNCT
fsr-3164	9	4	g5	g5	NOUN
fsr-3164	9	5	household	household	NOUN
fsr-3164	9	6	finance	finance	NOUN
fsr-3164	9	7	keywords	keyword	NOUN
fsr-3164	9	8	:	:	PUNCT
fsr-3164	9	9	financial	financial	ADJ
fsr-3164	9	10	capability	capability	NOUN
fsr-3164	9	11	;	;	PUNCT
fsr-3164	9	12	tech	tech	NOUN
fsr-3164	9	13	-	-	PUNCT
fsr-3164	9	14	savvy	savvy	ADJ
fsr-3164	9	15	;	;	PUNCT
fsr-3164	9	16	generational	generational	ADJ
fsr-3164	9	17	disparity	disparity	NOUN
fsr-3164	9	18	1	1	NUM
fsr-3164	9	19	.	.	PUNCT
fsr-3164	10	1	introduction	introduction	NOUN
fsr-3164	10	2	financial	financial	ADJ
fsr-3164	10	3	literacy	literacy	NOUN
fsr-3164	10	4	has	have	AUX
fsr-3164	10	5	never	never	ADV
fsr-3164	10	6	been	be	AUX
fsr-3164	10	7	more	more	ADV
fsr-3164	10	8	critical	critical	ADJ
fsr-3164	10	9	to	to	ADP
fsr-3164	10	10	people	people	NOUN
fsr-3164	10	11	in	in	ADP
fsr-3164	10	12	today	today	NOUN
fsr-3164	10	13	’s	’s	PART
fsr-3164	10	14	complex	complex	ADJ
fsr-3164	10	15	financial	financial	ADJ
fsr-3164	10	16	world	world	NOUN
fsr-3164	10	17	as	as	ADV
fsr-3164	10	18	essential	essential	ADJ
fsr-3164	10	19	as	as	ADP
fsr-3164	10	20	basic	basic	ADJ
fsr-3164	10	21	reading	reading	NOUN
fsr-3164	10	22	and	and	CCONJ
fsr-3164	10	23	writing	writing	NOUN
fsr-3164	10	24	skills	skill	NOUN
fsr-3164	10	25	.	.	PUNCT
fsr-3164	11	1	financially	financially	ADV
fsr-3164	11	2	literate	literate	ADJ
fsr-3164	11	3	participants	participant	NOUN
fsr-3164	11	4	in	in	ADP
fsr-3164	11	5	the	the	DET
fsr-3164	11	6	labor	labor	NOUN
fsr-3164	11	7	market	market	NOUN
fsr-3164	11	8	better	well	ADV
fsr-3164	11	9	understand	understand	VERB
fsr-3164	11	10	overall	overall	ADJ
fsr-3164	11	11	economic	economic	ADJ
fsr-3164	11	12	performance	performance	NOUN
fsr-3164	11	13	and	and	CCONJ
fsr-3164	11	14	react	react	VERB
fsr-3164	11	15	more	more	ADV
fsr-3164	11	16	wisely	wisely	ADV
fsr-3164	11	17	during	during	ADP
fsr-3164	11	18	economically	economically	ADV
fsr-3164	11	19	challenging	challenging	ADJ
fsr-3164	11	20	times	time	NOUN
fsr-3164	11	21	.	.	PUNCT
fsr-3164	12	1	inadequately	inadequately	ADV
fsr-3164	12	2	financially	financially	ADV
fsr-3164	12	3	literate	literate	ADJ
fsr-3164	12	4	individuals	individual	NOUN
fsr-3164	12	5	are	be	AUX
fsr-3164	12	6	closely	closely	ADV
fsr-3164	12	7	associated	associate	VERB
fsr-3164	12	8	with	with	ADP
fsr-3164	12	9	personal	personal	ADJ
fsr-3164	12	10	finance	finance	NOUN
fsr-3164	12	11	issues	issue	NOUN
fsr-3164	12	12	such	such	ADJ
fsr-3164	12	13	as	as	ADP
fsr-3164	12	14	low	low	ADJ
fsr-3164	12	15	savings	saving	NOUN
fsr-3164	12	16	rates	rate	NOUN
fsr-3164	12	17	,	,	PUNCT
fsr-3164	12	18	over	over	ADP
fsr-3164	12	19	-	-	PUNCT
fsr-3164	12	20	indebtedness	indebtedness	NOUN
fsr-3164	12	21	,	,	PUNCT
fsr-3164	12	22	and	and	CCONJ
fsr-3164	12	23	poor	poor	ADJ
fsr-3164	12	24	financial	financial	ADJ
fsr-3164	12	25	decisions	decision	NOUN
fsr-3164	12	26	(	(	PUNCT
fsr-3164	12	27	lusardi	lusardi	PROPN
fsr-3164	12	28	&	&	CCONJ
fsr-3164	12	29	mitchell	mitchell	PROPN
fsr-3164	12	30	,	,	PUNCT
fsr-3164	12	31	2014	2014	NUM
fsr-3164	12	32	)	)	PUNCT
fsr-3164	12	33	.	.	PUNCT
fsr-3164	13	1	the	the	DET
fsr-3164	13	2	rising	rise	VERB
fsr-3164	13	3	college	college	NOUN
fsr-3164	13	4	tuition	tuition	NOUN
fsr-3164	13	5	and	and	CCONJ
fsr-3164	13	6	costs	cost	NOUN
fsr-3164	13	7	,	,	PUNCT
fsr-3164	13	8	*	*	PUNCT
fsr-3164	13	9	corresponding	correspond	VERB
fsr-3164	13	10	author	author	NOUN
fsr-3164	13	11	:	:	PUNCT
fsr-3164	13	12	tel	tel	PROPN
fsr-3164	13	13	.	.	PUNCT
fsr-3164	13	14	:	:	PUNCT
fsr-3164	14	1	+1	+1	PROPN
fsr-3164	14	2	-	-	PUNCT
fsr-3164	14	3	934	934	NUM
fsr-3164	14	4	-	-	PUNCT
fsr-3164	14	5	420	420	NUM
fsr-3164	14	6	-	-	PUNCT
fsr-3164	14	7	2334	2334	NUM
fsr-3164	14	8	,	,	PUNCT
fsr-3164	14	9	fax	fax	NOUN
fsr-3164	14	10	:	:	PUNCT
fsr-3164	14	11	+1	+1	PROPN
fsr-3164	14	12	-	-	PUNCT
fsr-3164	14	13	934	934	NUM
fsr-3164	14	14	-	-	PUNCT
fsr-3164	14	15	420	420	NUM
fsr-3164	14	16	-	-	PUNCT
fsr-3164	14	17	2689	2689	NUM
fsr-3164	14	18	.	.	PUNCT
fsr-3164	15	1	e	e	X
fsr-3164	15	2	-	-	NOUN
fsr-3164	15	3	mail	mail	NOUN
fsr-3164	15	4	address	address	NOUN
fsr-3164	15	5	:	:	PUNCT
fsr-3164	15	6	xu.zhang@farmingdale.edu	xu.zhang@farmingdale.edu	PROPN
fsr-3164	15	7	1057	1057	NUM
fsr-3164	15	8	-	-	SYM
fsr-3164	15	9	0810/22/$	0810/22/$	NUM
fsr-3164	15	10	–	–	PUNCT
fsr-3164	15	11	see	see	VERB
fsr-3164	15	12	front	front	ADJ
fsr-3164	15	13	matter	matter	NOUN
fsr-3164	15	14	©	©	PROPN
fsr-3164	15	15	2022	2022	NUM
fsr-3164	15	16	academy	academy	NOUN
fsr-3164	15	17	of	of	ADP
fsr-3164	15	18	financial	financial	ADJ
fsr-3164	15	19	services	service	NOUN
fsr-3164	15	20	.	.	PUNCT
fsr-3164	16	1	all	all	DET
fsr-3164	16	2	rights	right	NOUN
fsr-3164	16	3	reserved	reserve	VERB
fsr-3164	16	4	.	.	PUNCT
fsr-3164	17	1	financial	financial	ADJ
fsr-3164	17	2	services	service	NOUN
fsr-3164	17	3	review	review	VERB
fsr-3164	17	4	30	30	NUM
fsr-3164	17	5	(	(	PUNCT
fsr-3164	17	6	2022	2022	NUM
fsr-3164	17	7	)	)	PUNCT
fsr-3164	17	8	273–296	273–296	NUM
fsr-3164	17	9	together	together	ADV
fsr-3164	17	10	with	with	ADP
fsr-3164	17	11	unprecedented	unprecedented	ADJ
fsr-3164	17	12	increases	increase	NOUN
fsr-3164	17	13	in	in	ADP
fsr-3164	17	14	student	student	NOUN
fsr-3164	17	15	loan	loan	NOUN
fsr-3164	17	16	debt	debt	NOUN
fsr-3164	17	17	,	,	PUNCT
fsr-3164	17	18	$	$	SYM
fsr-3164	17	19	1.59	1.59	NUM
fsr-3164	17	20	trillion	trillion	NUM
fsr-3164	17	21	as	as	ADP
fsr-3164	17	22	of	of	ADP
fsr-3164	17	23	july	july	PROPN
fsr-3164	17	24	2021	2021	NUM
fsr-3164	17	25	,	,	PUNCT
fsr-3164	17	26	have	have	AUX
fsr-3164	17	27	disproportionately	disproportionately	ADV
fsr-3164	17	28	burdened	burden	VERB
fsr-3164	17	29	young	young	ADJ
fsr-3164	17	30	people	people	NOUN
fsr-3164	17	31	more	more	ADJ
fsr-3164	17	32	than	than	ADP
fsr-3164	17	33	previous	previous	ADJ
fsr-3164	17	34	generations	generation	NOUN
fsr-3164	17	35	(	(	PUNCT
fsr-3164	17	36	federal	federal	ADJ
fsr-3164	17	37	student	student	NOUN
fsr-3164	17	38	act	act	PROPN
fsr-3164	17	39	q2	q2	PROPN
fsr-3164	17	40	,	,	PUNCT
fsr-3164	17	41	2009	2009	NUM
fsr-3164	17	42	)	)	PUNCT
fsr-3164	17	43	.	.	PUNCT
fsr-3164	18	1	enabled	enable	VERB
fsr-3164	18	2	by	by	ADP
fsr-3164	18	3	technological	technological	ADJ
fsr-3164	18	4	innovation	innovation	NOUN
fsr-3164	18	5	,	,	PUNCT
fsr-3164	18	6	the	the	DET
fsr-3164	18	7	decision	decision	NOUN
fsr-3164	18	8	-	-	PUNCT
fsr-3164	18	9	making	make	VERB
fsr-3164	18	10	process	process	NOUN
fsr-3164	18	11	on	on	ADP
fsr-3164	18	12	personal	personal	ADJ
fsr-3164	18	13	finance	finance	NOUN
fsr-3164	18	14	matters	matter	NOUN
fsr-3164	18	15	becomes	become	VERB
fsr-3164	18	16	even	even	ADV
fsr-3164	18	17	more	more	ADV
fsr-3164	18	18	complex	complex	ADJ
fsr-3164	18	19	when	when	SCONJ
fsr-3164	18	20	the	the	DET
fsr-3164	18	21	social	social	ADJ
fsr-3164	18	22	and	and	CCONJ
fsr-3164	18	23	economic	economic	ADJ
fsr-3164	18	24	landscapes	landscape	NOUN
fsr-3164	18	25	are	be	AUX
fsr-3164	18	26	dramatically	dramatically	ADV
fsr-3164	18	27	changed	change	VERB
fsr-3164	18	28	.	.	PUNCT
fsr-3164	19	1	with	with	ADP
fsr-3164	19	2	the	the	DET
fsr-3164	19	3	evolution	evolution	NOUN
fsr-3164	19	4	of	of	ADP
fsr-3164	19	5	internet	internet	NOUN
fsr-3164	19	6	technology	technology	NOUN
fsr-3164	19	7	and	and	CCONJ
fsr-3164	19	8	the	the	DET
fsr-3164	19	9	popularity	popularity	NOUN
fsr-3164	19	10	of	of	ADP
fsr-3164	19	11	mobile	mobile	ADJ
fsr-3164	19	12	devices	device	NOUN
fsr-3164	19	13	,	,	PUNCT
fsr-3164	19	14	how	how	SCONJ
fsr-3164	19	15	people	people	NOUN
fsr-3164	19	16	save	save	VERB
fsr-3164	19	17	,	,	PUNCT
fsr-3164	19	18	spend	spend	VERB
fsr-3164	19	19	,	,	PUNCT
fsr-3164	19	20	invest	invest	VERB
fsr-3164	19	21	and	and	CCONJ
fsr-3164	19	22	manage	manage	VERB
fsr-3164	19	23	cash	cash	NOUN
fsr-3164	19	24	,	,	PUNCT
fsr-3164	19	25	how	how	SCONJ
fsr-3164	19	26	individuals	individual	NOUN
fsr-3164	19	27	participate	participate	VERB
fsr-3164	19	28	in	in	ADP
fsr-3164	19	29	the	the	DET
fsr-3164	19	30	labor	labor	NOUN
fsr-3164	19	31	market	market	NOUN
fsr-3164	19	32	,	,	PUNCT
fsr-3164	19	33	along	along	ADP
fsr-3164	19	34	with	with	ADP
fsr-3164	19	35	how	how	SCONJ
fsr-3164	19	36	people	people	NOUN
fsr-3164	19	37	communicate	communicate	VERB
fsr-3164	19	38	and	and	CCONJ
fsr-3164	19	39	exchange	exchange	VERB
fsr-3164	19	40	information	information	NOUN
fsr-3164	19	41	on	on	ADP
fsr-3164	19	42	personal	personal	ADJ
fsr-3164	19	43	finance	finance	NOUN
fsr-3164	19	44	matters	matter	NOUN
fsr-3164	19	45	,	,	PUNCT
fsr-3164	19	46	have	have	AUX
fsr-3164	19	47	experienced	experience	VERB
fsr-3164	19	48	unprecedented	unprecedented	ADJ
fsr-3164	19	49	transformations	transformation	NOUN
fsr-3164	19	50	.	.	PUNCT
fsr-3164	20	1	in	in	ADP
fsr-3164	20	2	2021	2021	NUM
fsr-3164	20	3	,	,	PUNCT
fsr-3164	20	4	82	82	NUM
fsr-3164	20	5	%	%	NOUN
fsr-3164	20	6	of	of	ADP
fsr-3164	20	7	americans	americans	PROPN
fsr-3164	20	8	have	have	AUX
fsr-3164	20	9	used	use	VERB
fsr-3164	20	10	at	at	ADP
fsr-3164	20	11	least	least	ADV
fsr-3164	20	12	one	one	NUM
fsr-3164	20	13	type	type	NOUN
fsr-3164	20	14	of	of	ADP
fsr-3164	20	15	digital	digital	ADJ
fsr-3164	20	16	payment	payment	NOUN
fsr-3164	20	17	,	,	PUNCT
fsr-3164	20	18	defined	define	VERB
fsr-3164	20	19	as	as	ADP
fsr-3164	20	20	including	include	VERB
fsr-3164	20	21	browserbased	browserbase	VERB
fsr-3164	20	22	or	or	CCONJ
fsr-3164	20	23	in	in	ADP
fsr-3164	20	24	-	-	PUNCT
fsr-3164	20	25	app	app	NOUN
fsr-3164	20	26	online	online	ADJ
fsr-3164	20	27	purchases	purchase	NOUN
fsr-3164	20	28	,	,	PUNCT
fsr-3164	20	29	in	in	ADP
fsr-3164	20	30	-	-	PUNCT
fsr-3164	20	31	store	store	NOUN
fsr-3164	20	32	checkout	checkout	NOUN
fsr-3164	20	33	using	use	VERB
fsr-3164	20	34	a	a	DET
fsr-3164	20	35	mobile	mobile	ADJ
fsr-3164	20	36	phone	phone	NOUN
fsr-3164	20	37	and/or	and/or	CCONJ
fsr-3164	20	38	qr	qr	PROPN
fsr-3164	20	39	code	code	PROPN
fsr-3164	20	40	,	,	PUNCT
fsr-3164	20	41	and	and	CCONJ
fsr-3164	20	42	person	person	NOUN
fsr-3164	20	43	-	-	PUNCT
fsr-3164	20	44	to	to	ADP
fsr-3164	20	45	-	-	PUNCT
fsr-3164	20	46	person	person	NOUN
fsr-3164	20	47	(	(	PUNCT
fsr-3164	20	48	p2p	p2p	NOUN
fsr-3164	20	49	)	)	PUNCT
fsr-3164	20	50	payments	payment	NOUN
fsr-3164	20	51	,	,	PUNCT
fsr-3164	20	52	compared	compare	VERB
fsr-3164	20	53	with	with	ADP
fsr-3164	20	54	78	78	NUM
fsr-3164	20	55	%	%	NOUN
fsr-3164	20	56	in	in	ADP
fsr-3164	20	57	2020	2020	NUM
fsr-3164	20	58	and	and	CCONJ
fsr-3164	20	59	72	72	NUM
fsr-3164	20	60	%	%	NOUN
fsr-3164	20	61	in	in	ADP
fsr-3164	20	62	2016	2016	NUM
fsr-3164	20	63	(	(	PUNCT
fsr-3164	20	64	mckinsey	mckinsey	PROPN
fsr-3164	20	65	digital	digital	ADJ
fsr-3164	20	66	payments	payment	NOUN
fsr-3164	20	67	consumer	consumer	NOUN
fsr-3164	20	68	survey	survey	NOUN
fsr-3164	20	69	,	,	PUNCT
fsr-3164	20	70	2021	2021	NUM
fsr-3164	20	71	)	)	PUNCT
fsr-3164	20	72	.	.	PUNCT
fsr-3164	21	1	additionally	additionally	ADV
fsr-3164	21	2	,	,	PUNCT
fsr-3164	21	3	the	the	DET
fsr-3164	21	4	penetration	penetration	NOUN
fsr-3164	21	5	of	of	ADP
fsr-3164	21	6	new	new	ADJ
fsr-3164	21	7	forms	form	NOUN
fsr-3164	21	8	of	of	ADP
fsr-3164	21	9	financing	financing	NOUN
fsr-3164	21	10	options	option	NOUN
fsr-3164	21	11	,	,	PUNCT
fsr-3164	21	12	such	such	ADJ
fsr-3164	21	13	as	as	ADP
fsr-3164	21	14	bnpl	bnpl	PROPN
fsr-3164	21	15	(	(	PUNCT
fsr-3164	21	16	buy	buy	VERB
fsr-3164	21	17	now	now	ADV
fsr-3164	21	18	pay	pay	VERB
fsr-3164	21	19	later	later	ADV
fsr-3164	21	20	)	)	PUNCT
fsr-3164	21	21	,	,	PUNCT
fsr-3164	21	22	has	have	AUX
fsr-3164	21	23	been	be	AUX
fsr-3164	21	24	credited	credit	VERB
fsr-3164	21	25	for	for	ADP
fsr-3164	21	26	incremental	incremental	ADJ
fsr-3164	21	27	spending	spending	NOUN
fsr-3164	21	28	on	on	ADP
fsr-3164	21	29	certain	certain	ADJ
fsr-3164	21	30	sectors	sector	NOUN
fsr-3164	21	31	and	and	CCONJ
fsr-3164	21	32	the	the	DET
fsr-3164	21	33	emergence	emergence	NOUN
fsr-3164	21	34	of	of	ADP
fsr-3164	21	35	cryptocurrency	cryptocurrency	NOUN
fsr-3164	21	36	and	and	CCONJ
fsr-3164	21	37	digital	digital	ADJ
fsr-3164	21	38	transformation	transformation	NOUN
fsr-3164	21	39	in	in	ADP
fsr-3164	21	40	financial	financial	ADJ
fsr-3164	21	41	services	service	NOUN
fsr-3164	21	42	have	have	AUX
fsr-3164	21	43	embarked	embark	VERB
fsr-3164	21	44	opportunities	opportunity	NOUN
fsr-3164	21	45	and	and	CCONJ
fsr-3164	21	46	challenges	challenge	NOUN
fsr-3164	21	47	on	on	ADP
fsr-3164	21	48	individuals	individual	NOUN
fsr-3164	21	49	’	'	PUNCT
fsr-3164	21	50	financial	financial	ADJ
fsr-3164	21	51	investments.1	investments.1	PROPN
fsr-3164	21	52	moreover	moreover	ADV
fsr-3164	21	53	,	,	PUNCT
fsr-3164	21	54	new	new	ADJ
fsr-3164	21	55	technologies	technology	NOUN
fsr-3164	21	56	,	,	PUNCT
fsr-3164	21	57	defined	define	VERB
fsr-3164	21	58	as	as	ADP
fsr-3164	21	59	automation	automation	NOUN
fsr-3164	21	60	,	,	PUNCT
fsr-3164	21	61	digital	digital	ADJ
fsr-3164	21	62	technologies	technology	NOUN
fsr-3164	21	63	,	,	PUNCT
fsr-3164	21	64	and	and	CCONJ
fsr-3164	21	65	machine	machine	NOUN
fsr-3164	21	66	learning	learning	NOUN
fsr-3164	21	67	(	(	PUNCT
fsr-3164	21	68	dell	dell	PROPN
fsr-3164	21	69	&	&	CCONJ
fsr-3164	21	70	nestoriak	nestoriak	PROPN
fsr-3164	21	71	,	,	PUNCT
fsr-3164	21	72	2020	2020	NUM
fsr-3164	21	73	)	)	PUNCT
fsr-3164	21	74	,	,	PUNCT
fsr-3164	21	75	are	be	AUX
fsr-3164	21	76	making	make	VERB
fsr-3164	21	77	profound	profound	ADJ
fsr-3164	21	78	implications	implication	NOUN
fsr-3164	21	79	on	on	ADP
fsr-3164	21	80	the	the	DET
fsr-3164	21	81	labor	labor	NOUN
fsr-3164	21	82	market	market	NOUN
fsr-3164	21	83	outcomes	outcome	NOUN
fsr-3164	21	84	such	such	ADJ
fsr-3164	21	85	as	as	ADP
fsr-3164	21	86	the	the	DET
fsr-3164	21	87	income	income	NOUN
fsr-3164	21	88	distribution	distribution	NOUN
fsr-3164	21	89	of	of	ADP
fsr-3164	21	90	workers	worker	NOUN
fsr-3164	21	91	from	from	ADP
fsr-3164	21	92	different	different	ADJ
fsr-3164	21	93	occupations	occupation	NOUN
fsr-3164	21	94	as	as	ADV
fsr-3164	21	95	well	well	ADV
fsr-3164	21	96	as	as	ADP
fsr-3164	21	97	relative	relative	ADJ
fsr-3164	21	98	return	return	NOUN
fsr-3164	21	99	to	to	ADP
fsr-3164	21	100	capital	capital	NOUN
fsr-3164	21	101	compared	compare	VERB
fsr-3164	21	102	with	with	ADP
fsr-3164	21	103	labor	labor	NOUN
fsr-3164	21	104	,	,	PUNCT
fsr-3164	21	105	which	which	PRON
fsr-3164	21	106	in	in	ADP
fsr-3164	21	107	turn	turn	NOUN
fsr-3164	21	108	affects	affect	VERB
fsr-3164	21	109	the	the	DET
fsr-3164	21	110	financial	financial	ADJ
fsr-3164	21	111	well	well	NOUN
fsr-3164	21	112	-	-	PUNCT
fsr-3164	21	113	being	being	NOUN
fsr-3164	21	114	of	of	ADP
fsr-3164	21	115	individuals	individual	NOUN
fsr-3164	21	116	.	.	PUNCT
fsr-3164	22	1	addressing	address	VERB
fsr-3164	22	2	the	the	DET
fsr-3164	22	3	question	question	NOUN
fsr-3164	22	4	of	of	ADP
fsr-3164	22	5	how	how	SCONJ
fsr-3164	22	6	americans	americans	PROPN
fsr-3164	22	7	feel	feel	VERB
fsr-3164	22	8	in	in	ADP
fsr-3164	22	9	their	their	PRON
fsr-3164	22	10	financial	financial	ADJ
fsr-3164	22	11	lives	life	NOUN
fsr-3164	22	12	requires	require	VERB
fsr-3164	22	13	a	a	DET
fsr-3164	22	14	holistic	holistic	ADJ
fsr-3164	22	15	approach	approach	NOUN
fsr-3164	22	16	with	with	ADP
fsr-3164	22	17	present	present	ADJ
fsr-3164	22	18	and	and	CCONJ
fsr-3164	22	19	future	future	ADV
fsr-3164	22	20	-	-	PUNCT
fsr-3164	22	21	oriented	orient	VERB
fsr-3164	22	22	views	view	NOUN
fsr-3164	22	23	:	:	PUNCT
fsr-3164	22	24	not	not	PART
fsr-3164	22	25	only	only	ADV
fsr-3164	22	26	whether	whether	SCONJ
fsr-3164	22	27	individuals	individual	NOUN
fsr-3164	22	28	are	be	AUX
fsr-3164	22	29	able	able	ADJ
fsr-3164	22	30	to	to	PART
fsr-3164	22	31	meet	meet	VERB
fsr-3164	22	32	current	current	ADJ
fsr-3164	22	33	financial	financial	ADJ
fsr-3164	22	34	obligations	obligation	NOUN
fsr-3164	22	35	and	and	CCONJ
fsr-3164	22	36	spending	spending	NOUN
fsr-3164	22	37	needs	need	NOUN
fsr-3164	22	38	,	,	PUNCT
fsr-3164	22	39	but	but	CCONJ
fsr-3164	22	40	also	also	ADV
fsr-3164	22	41	how	how	SCONJ
fsr-3164	22	42	they	they	PRON
fsr-3164	22	43	invest	invest	VERB
fsr-3164	22	44	and	and	CCONJ
fsr-3164	22	45	prepare	prepare	VERB
fsr-3164	22	46	to	to	PART
fsr-3164	22	47	respond	respond	VERB
fsr-3164	22	48	to	to	ADP
fsr-3164	22	49	financial	financial	ADJ
fsr-3164	22	50	shocks	shock	NOUN
fsr-3164	22	51	and	and	CCONJ
fsr-3164	22	52	achieve	achieve	VERB
fsr-3164	22	53	financial	financial	ADJ
fsr-3164	22	54	success	success	NOUN
fsr-3164	22	55	in	in	ADP
fsr-3164	22	56	the	the	DET
fsr-3164	22	57	future	future	NOUN
fsr-3164	22	58	.	.	PUNCT
fsr-3164	23	1	as	as	SCONJ
fsr-3164	23	2	integrated	integrate	VERB
fsr-3164	23	3	into	into	ADP
fsr-3164	23	4	the	the	DET
fsr-3164	23	5	synthesis	synthesis	NOUN
fsr-3164	23	6	of	of	ADP
fsr-3164	23	7	financial	financial	ADJ
fsr-3164	23	8	literacy	literacy	NOUN
fsr-3164	23	9	concepts	concept	NOUN
fsr-3164	23	10	,	,	PUNCT
fsr-3164	23	11	financial	financial	ADJ
fsr-3164	23	12	capability	capability	NOUN
fsr-3164	23	13	,	,	PUNCT
fsr-3164	23	14	that	that	ADV
fsr-3164	23	15	is	is	ADV
fsr-3164	23	16	,	,	PUNCT
fsr-3164	23	17	how	how	SCONJ
fsr-3164	23	18	well	well	ADV
fsr-3164	23	19	people	people	NOUN
fsr-3164	23	20	manage	manage	VERB
fsr-3164	23	21	their	their	PRON
fsr-3164	23	22	money	money	NOUN
fsr-3164	23	23	and	and	CCONJ
fsr-3164	23	24	control	control	VERB
fsr-3164	23	25	their	their	PRON
fsr-3164	23	26	finances	finance	NOUN
fsr-3164	23	27	,	,	PUNCT
fsr-3164	23	28	is	be	AUX
fsr-3164	23	29	revealed	reveal	VERB
fsr-3164	23	30	by	by	ADP
fsr-3164	23	31	their	their	PRON
fsr-3164	23	32	evolving	evolve	VERB
fsr-3164	23	33	financial	financial	ADJ
fsr-3164	23	34	behaviors	behavior	NOUN
fsr-3164	23	35	and	and	CCONJ
fsr-3164	23	36	outcomes	outcome	NOUN
fsr-3164	23	37	in	in	ADP
fsr-3164	23	38	the	the	DET
fsr-3164	23	39	fast	fast	ADV
fsr-3164	23	40	-	-	PUNCT
fsr-3164	23	41	growing	grow	VERB
fsr-3164	23	42	digital	digital	ADJ
fsr-3164	23	43	world	world	NOUN
fsr-3164	23	44	.	.	PUNCT
fsr-3164	24	1	plus	plus	CCONJ
fsr-3164	24	2	,	,	PUNCT
fsr-3164	24	3	researchers	researcher	NOUN
fsr-3164	24	4	have	have	AUX
fsr-3164	24	5	suggested	suggest	VERB
fsr-3164	24	6	the	the	DET
fsr-3164	24	7	generational	generational	ADJ
fsr-3164	24	8	disparity	disparity	NOUN
fsr-3164	24	9	of	of	ADP
fsr-3164	24	10	perceived	perceive	VERB
fsr-3164	24	11	value	value	NOUN
fsr-3164	24	12	and	and	CCONJ
fsr-3164	24	13	experience	experience	NOUN
fsr-3164	24	14	in	in	ADP
fsr-3164	24	15	using	use	VERB
fsr-3164	24	16	technology	technology	NOUN
fsr-3164	24	17	(	(	PUNCT
fsr-3164	24	18	dhanapal	dhanapal	PROPN
fsr-3164	24	19	et	et	PROPN
fsr-3164	24	20	al	al	PROPN
fsr-3164	24	21	.	.	PROPN
fsr-3164	24	22	,	,	PUNCT
fsr-3164	24	23	2015	2015	NUM
fsr-3164	24	24	;	;	PUNCT
fsr-3164	24	25	kumar	kumar	PROPN
fsr-3164	24	26	&	&	CCONJ
fsr-3164	24	27	lim	lim	PROPN
fsr-3164	24	28	,	,	PUNCT
fsr-3164	24	29	2008	2008	NUM
fsr-3164	24	30	)	)	PUNCT
fsr-3164	24	31	and	and	CCONJ
fsr-3164	24	32	indicated	indicate	VERB
fsr-3164	24	33	age	age	NOUN
fsr-3164	24	34	as	as	ADP
fsr-3164	24	35	an	an	DET
fsr-3164	24	36	important	important	ADJ
fsr-3164	24	37	factor	factor	NOUN
fsr-3164	24	38	in	in	ADP
fsr-3164	24	39	technology	technology	NOUN
fsr-3164	24	40	acceptance	acceptance	NOUN
fsr-3164	24	41	and	and	CCONJ
fsr-3164	24	42	mobile	mobile	NOUN
fsr-3164	24	43	payments	payment	NOUN
fsr-3164	24	44	(	(	PUNCT
fsr-3164	24	45	liébana	liébana	PROPN
fsr-3164	24	46	-	-	PUNCT
fsr-3164	24	47	cabanillas	cabanilla	NOUN
fsr-3164	24	48	et	et	PROPN
fsr-3164	24	49	al	al	PROPN
fsr-3164	24	50	.	.	PROPN
fsr-3164	24	51	,	,	PUNCT
fsr-3164	24	52	2014	2014	NUM
fsr-3164	24	53	;	;	PUNCT
fsr-3164	24	54	phang	phang	PROPN
fsr-3164	24	55	et	et	PROPN
fsr-3164	24	56	al	al	PROPN
fsr-3164	24	57	.	.	PROPN
fsr-3164	24	58	,	,	PUNCT
fsr-3164	24	59	2006	2006	NUM
fsr-3164	24	60	)	)	PUNCT
fsr-3164	24	61	that	that	SCONJ
fsr-3164	24	62	in	in	ADP
fsr-3164	24	63	turn	turn	NOUN
fsr-3164	24	64	have	have	VERB
fsr-3164	24	65	impacts	impact	NOUN
fsr-3164	24	66	in	in	ADP
fsr-3164	24	67	household	household	NOUN
fsr-3164	24	68	wealth	wealth	NOUN
fsr-3164	24	69	and	and	CCONJ
fsr-3164	24	70	financial	financial	ADJ
fsr-3164	24	71	well	well	NOUN
fsr-3164	24	72	-	-	PUNCT
fsr-3164	24	73	being	being	NOUN
fsr-3164	24	74	.	.	PUNCT
fsr-3164	25	1	the	the	DET
fsr-3164	25	2	purpose	purpose	NOUN
fsr-3164	25	3	of	of	ADP
fsr-3164	25	4	this	this	DET
fsr-3164	25	5	study	study	NOUN
fsr-3164	25	6	is	be	AUX
fsr-3164	25	7	to	to	PART
fsr-3164	25	8	examine	examine	VERB
fsr-3164	25	9	the	the	DET
fsr-3164	25	10	role	role	NOUN
fsr-3164	25	11	and	and	CCONJ
fsr-3164	25	12	generational	generational	ADJ
fsr-3164	25	13	disparity	disparity	NOUN
fsr-3164	25	14	of	of	ADP
fsr-3164	25	15	being	be	AUX
fsr-3164	25	16	techsavvy	techsavvy	ADJ
fsr-3164	25	17	on	on	ADP
fsr-3164	25	18	short	short	ADJ
fsr-3164	25	19	-	-	PUNCT
fsr-3164	25	20	term	term	NOUN
fsr-3164	25	21	and	and	CCONJ
fsr-3164	25	22	long	long	ADJ
fsr-3164	25	23	-	-	PUNCT
fsr-3164	25	24	term	term	NOUN
fsr-3164	25	25	personal	personal	ADJ
fsr-3164	25	26	financial	financial	ADJ
fsr-3164	25	27	capability	capability	NOUN
fsr-3164	25	28	,	,	PUNCT
fsr-3164	25	29	and	and	CCONJ
fsr-3164	25	30	how	how	SCONJ
fsr-3164	25	31	the	the	DET
fsr-3164	25	32	effect	effect	NOUN
fsr-3164	25	33	varies	vary	VERB
fsr-3164	25	34	across	across	ADP
fsr-3164	25	35	generations	generation	NOUN
fsr-3164	25	36	.	.	PUNCT
fsr-3164	26	1	the	the	DET
fsr-3164	26	2	main	main	ADJ
fsr-3164	26	3	contributions	contribution	NOUN
fsr-3164	26	4	of	of	ADP
fsr-3164	26	5	this	this	DET
fsr-3164	26	6	study	study	NOUN
fsr-3164	26	7	are	be	AUX
fsr-3164	26	8	the	the	DET
fsr-3164	26	9	following	following	NOUN
fsr-3164	26	10	:	:	PUNCT
fsr-3164	26	11	first	first	ADV
fsr-3164	26	12	,	,	PUNCT
fsr-3164	26	13	using	use	VERB
fsr-3164	26	14	the	the	DET
fsr-3164	26	15	2018	2018	NUM
fsr-3164	26	16	national	national	ADJ
fsr-3164	26	17	financial	financial	ADJ
fsr-3164	26	18	capability	capability	NOUN
fsr-3164	26	19	survey	survey	NOUN
fsr-3164	26	20	(	(	PUNCT
fsr-3164	26	21	nfcs	nfc	NOUN
fsr-3164	26	22	)	)	PUNCT
fsr-3164	26	23	,	,	PUNCT
fsr-3164	26	24	our	our	PRON
fsr-3164	26	25	findings	finding	NOUN
fsr-3164	26	26	on	on	ADP
fsr-3164	26	27	the	the	DET
fsr-3164	26	28	mixed	mixed	ADJ
fsr-3164	26	29	roles	role	NOUN
fsr-3164	26	30	of	of	ADP
fsr-3164	26	31	being	be	AUX
fsr-3164	26	32	tech	tech	NOUN
fsr-3164	26	33	-	-	PUNCT
fsr-3164	26	34	savvy	savvy	ADJ
fsr-3164	26	35	in	in	ADP
fsr-3164	26	36	personal	personal	ADJ
fsr-3164	26	37	financial	financial	ADJ
fsr-3164	26	38	management	management	NOUN
fsr-3164	26	39	contribute	contribute	VERB
fsr-3164	26	40	to	to	ADP
fsr-3164	26	41	the	the	DET
fsr-3164	26	42	literature	literature	NOUN
fsr-3164	26	43	as	as	ADP
fsr-3164	26	44	the	the	DET
fsr-3164	26	45	first	first	ADJ
fsr-3164	26	46	study	study	NOUN
fsr-3164	26	47	on	on	ADP
fsr-3164	26	48	this	this	DET
fsr-3164	26	49	attempt	attempt	NOUN
fsr-3164	26	50	.	.	PUNCT
fsr-3164	27	1	by	by	ADP
fsr-3164	27	2	using	use	VERB
fsr-3164	27	3	overall	overall	ADJ
fsr-3164	27	4	and	and	CCONJ
fsr-3164	27	5	individual	individual	ADJ
fsr-3164	27	6	metrics	metric	NOUN
fsr-3164	27	7	to	to	PART
fsr-3164	27	8	describe	describe	VERB
fsr-3164	27	9	the	the	DET
fsr-3164	27	10	extent	extent	NOUN
fsr-3164	27	11	of	of	ADP
fsr-3164	27	12	being	be	AUX
fsr-3164	27	13	techsavvy	techsavvy	ADJ
fsr-3164	27	14	,	,	PUNCT
fsr-3164	27	15	we	we	PRON
fsr-3164	27	16	find	find	VERB
fsr-3164	27	17	being	be	AUX
fsr-3164	27	18	tech	tech	NOUN
fsr-3164	27	19	-	-	PUNCT
fsr-3164	27	20	savvy	savvy	NOUN
fsr-3164	27	21	is	be	AUX
fsr-3164	27	22	consistently	consistently	ADV
fsr-3164	27	23	associated	associate	VERB
fsr-3164	27	24	with	with	ADP
fsr-3164	27	25	less	less	ADV
fsr-3164	27	26	desired	desire	VERB
fsr-3164	27	27	short	short	ADJ
fsr-3164	27	28	-	-	PUNCT
fsr-3164	27	29	term	term	NOUN
fsr-3164	27	30	financial	financial	ADJ
fsr-3164	27	31	behavior	behavior	NOUN
fsr-3164	27	32	.	.	PUNCT
fsr-3164	28	1	however	however	ADV
fsr-3164	28	2	,	,	PUNCT
fsr-3164	28	3	the	the	DET
fsr-3164	28	4	tech	tech	NOUN
fsr-3164	28	5	-	-	PUNCT
fsr-3164	28	6	savvy	savvy	ADJ
fsr-3164	28	7	variable	variable	NOUN
fsr-3164	28	8	is	be	AUX
fsr-3164	28	9	positively	positively	ADV
fsr-3164	28	10	associated	associate	VERB
fsr-3164	28	11	with	with	ADP
fsr-3164	28	12	good	good	ADJ
fsr-3164	28	13	shortterm	shortterm	PROPN
fsr-3164	28	14	financial	financial	ADJ
fsr-3164	28	15	behavior	behavior	NOUN
fsr-3164	28	16	.	.	PUNCT
fsr-3164	29	1	this	this	PRON
fsr-3164	29	2	could	could	AUX
fsr-3164	29	3	indicate	indicate	VERB
fsr-3164	29	4	that	that	DET
fsr-3164	29	5	technology	technology	NOUN
fsr-3164	29	6	allows	allow	VERB
fsr-3164	29	7	risk	risk	NOUN
fsr-3164	29	8	-	-	PUNCT
fsr-3164	29	9	tolerant	tolerant	ADJ
fsr-3164	29	10	individuals	individual	NOUN
fsr-3164	29	11	to	to	PART
fsr-3164	29	12	behave	behave	VERB
fsr-3164	29	13	imprudently	imprudently	ADV
fsr-3164	29	14	in	in	ADP
fsr-3164	29	15	short	short	ADJ
fsr-3164	29	16	-	-	PUNCT
fsr-3164	29	17	term	term	NOUN
fsr-3164	29	18	financial	financial	ADJ
fsr-3164	29	19	matters	matter	NOUN
fsr-3164	29	20	.	.	PUNCT
fsr-3164	30	1	however	however	ADV
fsr-3164	30	2	,	,	PUNCT
fsr-3164	30	3	individuals	individual	NOUN
fsr-3164	30	4	may	may	AUX
fsr-3164	30	5	engage	engage	VERB
fsr-3164	30	6	in	in	ADP
fsr-3164	30	7	more	more	ADV
fsr-3164	30	8	rational	rational	ADJ
fsr-3164	30	9	long	long	ADJ
fsr-3164	30	10	-	-	PUNCT
fsr-3164	30	11	term	term	NOUN
fsr-3164	30	12	financial	financial	ADJ
fsr-3164	30	13	behavior	behavior	NOUN
fsr-3164	30	14	using	use	VERB
fsr-3164	30	15	technology	technology	NOUN
fsr-3164	30	16	.	.	PUNCT
fsr-3164	31	1	second	second	ADJ
fsr-3164	31	2	,	,	PUNCT
fsr-3164	31	3	financial	financial	ADJ
fsr-3164	31	4	capability	capability	NOUN
fsr-3164	31	5	and	and	CCONJ
fsr-3164	31	6	technology	technology	NOUN
fsr-3164	31	7	savviness	savviness	NOUN
fsr-3164	31	8	can	can	AUX
fsr-3164	31	9	vary	vary	VERB
fsr-3164	31	10	across	across	ADP
fsr-3164	31	11	generations	generation	NOUN
fsr-3164	31	12	.	.	PUNCT
fsr-3164	32	1	among	among	ADP
fsr-3164	32	2	four	four	NUM
fsr-3164	32	3	generations	generation	NOUN
fsr-3164	32	4	,	,	PUNCT
fsr-3164	32	5	that	that	ADV
fsr-3164	32	6	is	is	ADV
fsr-3164	32	7	,	,	PUNCT
fsr-3164	32	8	igen	igen	PROPN
fsr-3164	32	9	/	/	SYM
fsr-3164	32	10	gen	gen	PROPN
fsr-3164	32	11	z	z	NOUN
fsr-3164	32	12	(	(	PUNCT
fsr-3164	32	13	born	bear	VERB
fsr-3164	32	14	between	between	ADP
fsr-3164	32	15	1994	1994	NUM
fsr-3164	32	16	and	and	CCONJ
fsr-3164	32	17	2000	2000	NUM
fsr-3164	32	18	)	)	PUNCT
fsr-3164	32	19	,	,	PUNCT
fsr-3164	33	1	millennials/	millennials/	NUM
fsr-3164	33	2	274	274	NUM
fsr-3164	33	3	a.	a.	NOUN
fsr-3164	33	4	mussa	mussa	NOUN
fsr-3164	33	5	et	et	PROPN
fsr-3164	33	6	al	al	PROPN
fsr-3164	33	7	.	.	PUNCT
fsr-3164	33	8	/	/	SYM
fsr-3164	33	9	financial	financial	ADJ
fsr-3164	33	10	services	service	NOUN
fsr-3164	33	11	review	review	VERB
fsr-3164	33	12	30	30	NUM
fsr-3164	33	13	(	(	PUNCT
fsr-3164	33	14	2022	2022	NUM
fsr-3164	33	15	)	)	PUNCT
fsr-3164	33	16	273–296	273–296	NUM
fsr-3164	33	17	geny	geny	NOUN
fsr-3164	33	18	(	(	PUNCT
fsr-3164	33	19	born	bear	VERB
fsr-3164	33	20	between	between	ADP
fsr-3164	33	21	1993	1993	NUM
fsr-3164	33	22	and	and	CCONJ
fsr-3164	33	23	1984	1984	NUM
fsr-3164	33	24	)	)	PUNCT
fsr-3164	33	25	,	,	PUNCT
fsr-3164	33	26	gen	gen	PROPN
fsr-3164	33	27	x	x	X
fsr-3164	33	28	(	(	PUNCT
fsr-3164	33	29	born	bear	VERB
fsr-3164	33	30	between	between	ADP
fsr-3164	33	31	1983	1983	NUM
fsr-3164	33	32	and	and	CCONJ
fsr-3164	33	33	1964	1964	NUM
fsr-3164	33	34	)	)	PUNCT
fsr-3164	33	35	,	,	PUNCT
fsr-3164	33	36	and	and	CCONJ
fsr-3164	33	37	baby	baby	NOUN
fsr-3164	33	38	boomers	boomer	NOUN
fsr-3164	33	39	(	(	PUNCT
fsr-3164	33	40	born	bear	VERB
fsr-3164	33	41	before	before	ADP
fsr-3164	33	42	1964	1964	NUM
fsr-3164	33	43	)	)	PUNCT
fsr-3164	33	44	,	,	PUNCT
fsr-3164	33	45	being	be	AUX
fsr-3164	33	46	equipped	equip	VERB
fsr-3164	33	47	with	with	ADP
fsr-3164	33	48	good	good	ADJ
fsr-3164	33	49	financial	financial	ADJ
fsr-3164	33	50	knowledge	knowledge	NOUN
fsr-3164	33	51	favors	favor	VERB
fsr-3164	33	52	gen	gen	PROPN
fsr-3164	33	53	z	z	PROPN
fsr-3164	33	54	and	and	CCONJ
fsr-3164	33	55	baby	baby	NOUN
fsr-3164	33	56	boomers	boomer	NOUN
fsr-3164	33	57	to	to	PART
fsr-3164	33	58	engage	engage	VERB
fsr-3164	33	59	in	in	ADP
fsr-3164	33	60	good	good	ADJ
fsr-3164	33	61	short	short	ADJ
fsr-3164	33	62	-	-	PUNCT
fsr-3164	33	63	term	term	NOUN
fsr-3164	33	64	financial	financial	ADJ
fsr-3164	33	65	behavior	behavior	NOUN
fsr-3164	33	66	.	.	PUNCT
fsr-3164	34	1	more	more	ADV
fsr-3164	34	2	interestingly	interestingly	ADV
fsr-3164	34	3	,	,	PUNCT
fsr-3164	34	4	being	be	AUX
fsr-3164	34	5	financially	financially	ADV
fsr-3164	34	6	confident	confident	ADJ
fsr-3164	34	7	is	be	AUX
fsr-3164	34	8	positively	positively	ADV
fsr-3164	34	9	associated	associate	VERB
fsr-3164	34	10	with	with	ADP
fsr-3164	34	11	good	good	ADJ
fsr-3164	34	12	short	short	ADJ
fsr-3164	34	13	-	-	PUNCT
fsr-3164	34	14	term	term	NOUN
fsr-3164	34	15	financial	financial	ADJ
fsr-3164	34	16	behavior	behavior	NOUN
fsr-3164	34	17	across	across	ADP
fsr-3164	34	18	all	all	DET
fsr-3164	34	19	generations	generation	NOUN
fsr-3164	34	20	.	.	PUNCT
fsr-3164	35	1	technology	technology	NOUN
fsr-3164	35	2	acceptance	acceptance	NOUN
fsr-3164	35	3	also	also	ADV
fsr-3164	35	4	has	have	VERB
fsr-3164	35	5	different	different	ADJ
fsr-3164	35	6	implications	implication	NOUN
fsr-3164	35	7	on	on	ADP
fsr-3164	35	8	financial	financial	ADJ
fsr-3164	35	9	behavior	behavior	NOUN
fsr-3164	35	10	across	across	ADP
fsr-3164	35	11	various	various	ADJ
fsr-3164	35	12	age	age	NOUN
fsr-3164	35	13	groups	group	NOUN
fsr-3164	35	14	.	.	PUNCT
fsr-3164	36	1	the	the	DET
fsr-3164	36	2	tech	tech	NOUN
fsr-3164	36	3	-	-	PUNCT
fsr-3164	36	4	savvy	savvy	ADJ
fsr-3164	36	5	variable	variable	NOUN
fsr-3164	36	6	is	be	AUX
fsr-3164	36	7	found	find	VERB
fsr-3164	36	8	to	to	PART
fsr-3164	36	9	be	be	AUX
fsr-3164	36	10	negative	negative	ADJ
fsr-3164	36	11	and	and	CCONJ
fsr-3164	36	12	significant	significant	ADJ
fsr-3164	36	13	across	across	ADP
fsr-3164	36	14	all	all	DET
fsr-3164	36	15	generations	generation	NOUN
fsr-3164	36	16	in	in	ADP
fsr-3164	36	17	the	the	DET
fsr-3164	36	18	logit	logit	PROPN
fsr-3164	36	19	regression	regression	NOUN
fsr-3164	36	20	of	of	ADP
fsr-3164	36	21	short	short	ADJ
fsr-3164	36	22	-	-	PUNCT
fsr-3164	36	23	term	term	NOUN
fsr-3164	36	24	financial	financial	ADJ
fsr-3164	36	25	behavior	behavior	NOUN
fsr-3164	36	26	,	,	PUNCT
fsr-3164	36	27	meaning	mean	VERB
fsr-3164	36	28	being	be	AUX
fsr-3164	36	29	tech	tech	NOUN
fsr-3164	36	30	-	-	PUNCT
fsr-3164	36	31	savvy	savvy	NOUN
fsr-3164	36	32	has	have	VERB
fsr-3164	36	33	an	an	DET
fsr-3164	36	34	adverse	adverse	ADJ
fsr-3164	36	35	effect	effect	NOUN
fsr-3164	36	36	on	on	ADP
fsr-3164	36	37	short	short	ADJ
fsr-3164	36	38	-	-	PUNCT
fsr-3164	36	39	term	term	NOUN
fsr-3164	36	40	financial	financial	ADJ
fsr-3164	36	41	behavior	behavior	NOUN
fsr-3164	36	42	.	.	PUNCT
fsr-3164	37	1	the	the	DET
fsr-3164	37	2	marginal	marginal	ADJ
fsr-3164	37	3	coefficients	coefficient	NOUN
fsr-3164	37	4	are	be	AUX
fsr-3164	37	5	highest	high	ADJ
fsr-3164	37	6	for	for	ADP
fsr-3164	37	7	igen	igen	NOUN
fsr-3164	37	8	and	and	CCONJ
fsr-3164	37	9	baby	baby	NOUN
fsr-3164	37	10	boomers	boomer	NOUN
fsr-3164	37	11	with	with	ADP
fsr-3164	37	12	�	�	PROPN
fsr-3164	37	13	5.9	5.9	NUM
fsr-3164	37	14	%	%	NOUN
fsr-3164	37	15	and	and	CCONJ
fsr-3164	37	16	�	�	NOUN
fsr-3164	37	17	8.87	8.87	NUM
fsr-3164	37	18	%	%	NOUN
fsr-3164	37	19	,	,	PUNCT
fsr-3164	37	20	respectively	respectively	ADV
fsr-3164	37	21	.	.	PUNCT
fsr-3164	38	1	this	this	PRON
fsr-3164	38	2	could	could	AUX
fsr-3164	38	3	indicate	indicate	VERB
fsr-3164	38	4	that	that	SCONJ
fsr-3164	38	5	those	those	PRON
fsr-3164	38	6	in	in	ADP
fsr-3164	38	7	the	the	DET
fsr-3164	38	8	youngest	young	ADJ
fsr-3164	38	9	generations	generation	NOUN
fsr-3164	38	10	and	and	CCONJ
fsr-3164	38	11	oldest	old	ADJ
fsr-3164	38	12	generations	generation	NOUN
fsr-3164	38	13	are	be	AUX
fsr-3164	38	14	not	not	PART
fsr-3164	38	15	using	use	VERB
fsr-3164	38	16	technology	technology	NOUN
fsr-3164	38	17	in	in	ADP
fsr-3164	38	18	a	a	DET
fsr-3164	38	19	way	way	NOUN
fsr-3164	38	20	that	that	PRON
fsr-3164	38	21	would	would	AUX
fsr-3164	38	22	benefit	benefit	VERB
fsr-3164	38	23	their	their	PRON
fsr-3164	38	24	money	money	NOUN
fsr-3164	38	25	management	management	NOUN
fsr-3164	38	26	in	in	ADP
fsr-3164	38	27	the	the	DET
fsr-3164	38	28	short	short	ADJ
fsr-3164	38	29	term	term	NOUN
fsr-3164	38	30	.	.	PUNCT
fsr-3164	39	1	moreover	moreover	ADV
fsr-3164	39	2	,	,	PUNCT
fsr-3164	39	3	techsavvy	techsavvy	ADJ
fsr-3164	39	4	individuals	individual	NOUN
fsr-3164	39	5	in	in	ADP
fsr-3164	39	6	gen	gen	PROPN
fsr-3164	39	7	z	z	PROPN
fsr-3164	39	8	,	,	PUNCT
fsr-3164	39	9	millennials	millennial	NOUN
fsr-3164	39	10	,	,	PUNCT
fsr-3164	39	11	and	and	CCONJ
fsr-3164	39	12	gen	gen	PROPN
fsr-3164	39	13	x	x	PUNCT
fsr-3164	39	14	are	be	AUX
fsr-3164	39	15	more	more	ADV
fsr-3164	39	16	likely	likely	ADJ
fsr-3164	39	17	to	to	PART
fsr-3164	39	18	engage	engage	VERB
fsr-3164	39	19	in	in	ADP
fsr-3164	39	20	good	good	ADJ
fsr-3164	39	21	longterm	longterm	ADJ
fsr-3164	39	22	financial	financial	ADJ
fsr-3164	39	23	behavior	behavior	NOUN
fsr-3164	39	24	with	with	ADP
fsr-3164	39	25	marginal	marginal	ADJ
fsr-3164	39	26	coefficients	coefficient	NOUN
fsr-3164	39	27	for	for	ADP
fsr-3164	39	28	being	be	AUX
fsr-3164	39	29	tech	tech	NOUN
fsr-3164	39	30	-	-	PUNCT
fsr-3164	39	31	savvy	savvy	VERB
fsr-3164	39	32	7.2	7.2	NUM
fsr-3164	39	33	%	%	NOUN
fsr-3164	39	34	,	,	PUNCT
fsr-3164	39	35	5.9	5.9	NUM
fsr-3164	39	36	%	%	NOUN
fsr-3164	39	37	,	,	PUNCT
fsr-3164	39	38	and	and	CCONJ
fsr-3164	39	39	3.6	3.6	NUM
fsr-3164	39	40	%	%	NOUN
fsr-3164	39	41	,	,	PUNCT
fsr-3164	39	42	respectively	respectively	ADV
fsr-3164	39	43	.	.	PUNCT
fsr-3164	40	1	the	the	DET
fsr-3164	40	2	rest	rest	NOUN
fsr-3164	40	3	of	of	ADP
fsr-3164	40	4	the	the	DET
fsr-3164	40	5	paper	paper	NOUN
fsr-3164	40	6	is	be	AUX
fsr-3164	40	7	organized	organize	VERB
fsr-3164	40	8	as	as	SCONJ
fsr-3164	40	9	follows	follow	VERB
fsr-3164	40	10	:	:	PUNCT
fsr-3164	40	11	section	section	PROPN
fsr-3164	40	12	ii	ii	PROPN
fsr-3164	40	13	provides	provide	VERB
fsr-3164	40	14	an	an	DET
fsr-3164	40	15	overview	overview	NOUN
fsr-3164	40	16	of	of	ADP
fsr-3164	40	17	existing	exist	VERB
fsr-3164	40	18	studies	study	NOUN
fsr-3164	40	19	;	;	PUNCT
fsr-3164	40	20	section	section	NOUN
fsr-3164	40	21	iii	iii	PROPN
fsr-3164	40	22	introduces	introduce	NOUN
fsr-3164	40	23	the	the	DET
fsr-3164	40	24	2018	2018	NUM
fsr-3164	40	25	national	national	ADJ
fsr-3164	40	26	financial	financial	ADJ
fsr-3164	40	27	capability	capability	NOUN
fsr-3164	40	28	survey	survey	NOUN
fsr-3164	40	29	(	(	PUNCT
fsr-3164	40	30	nfcs	nfc	NOUN
fsr-3164	40	31	)	)	PUNCT
fsr-3164	40	32	;	;	PUNCT
fsr-3164	40	33	empirical	empirical	ADJ
fsr-3164	40	34	results	result	NOUN
fsr-3164	40	35	are	be	AUX
fsr-3164	40	36	discussed	discuss	VERB
fsr-3164	40	37	in	in	ADP
fsr-3164	40	38	section	section	NOUN
fsr-3164	40	39	iv	iv	NUM
fsr-3164	40	40	;	;	PUNCT
fsr-3164	40	41	section	section	NOUN
fsr-3164	40	42	v	v	NOUN
fsr-3164	40	43	presents	present	VERB
fsr-3164	40	44	robustness	robustness	NOUN
fsr-3164	40	45	checks	check	NOUN
fsr-3164	40	46	,	,	PUNCT
fsr-3164	40	47	and	and	CCONJ
fsr-3164	40	48	section	section	NOUN
fsr-3164	40	49	vi	vi	PROPN
fsr-3164	40	50	concludes	conclude	VERB
fsr-3164	40	51	with	with	ADP
fsr-3164	40	52	a	a	DET
fsr-3164	40	53	discussion	discussion	NOUN
fsr-3164	40	54	on	on	ADP
fsr-3164	40	55	future	future	ADJ
fsr-3164	40	56	research	research	NOUN
fsr-3164	40	57	.	.	PUNCT
fsr-3164	41	1	2	2	X
fsr-3164	41	2	.	.	X
fsr-3164	41	3	literature	literature	NOUN
fsr-3164	41	4	review	review	VERB
fsr-3164	41	5	financial	financial	ADJ
fsr-3164	41	6	decisions	decision	NOUN
fsr-3164	41	7	have	have	VERB
fsr-3164	41	8	profound	profound	ADJ
fsr-3164	41	9	impacts	impact	NOUN
fsr-3164	41	10	on	on	ADP
fsr-3164	41	11	an	an	DET
fsr-3164	41	12	individual	individual	NOUN
fsr-3164	41	13	’s	’s	PART
fsr-3164	41	14	financial	financial	ADJ
fsr-3164	41	15	well	well	NOUN
fsr-3164	41	16	-	-	PUNCT
fsr-3164	41	17	being	being	NOUN
fsr-3164	41	18	.	.	PUNCT
fsr-3164	42	1	enabled	enable	VERB
fsr-3164	42	2	by	by	ADP
fsr-3164	42	3	technological	technological	ADJ
fsr-3164	42	4	innovations	innovation	NOUN
fsr-3164	42	5	,	,	PUNCT
fsr-3164	42	6	the	the	DET
fsr-3164	42	7	decision	decision	NOUN
fsr-3164	42	8	-	-	PUNCT
fsr-3164	42	9	making	making	NOUN
fsr-3164	42	10	on	on	ADP
fsr-3164	42	11	personal	personal	ADJ
fsr-3164	42	12	finance	finance	NOUN
fsr-3164	42	13	matters	matter	NOUN
fsr-3164	42	14	becomes	become	VERB
fsr-3164	42	15	even	even	ADV
fsr-3164	42	16	more	more	ADV
fsr-3164	42	17	complex	complex	ADJ
fsr-3164	42	18	in	in	ADP
fsr-3164	42	19	a	a	DET
fsr-3164	42	20	fast	fast	ADV
fsr-3164	42	21	-	-	PUNCT
fsr-3164	42	22	changing	change	VERB
fsr-3164	42	23	social	social	ADJ
fsr-3164	42	24	and	and	CCONJ
fsr-3164	42	25	economic	economic	ADJ
fsr-3164	42	26	landscape	landscape	NOUN
fsr-3164	42	27	.	.	PUNCT
fsr-3164	43	1	recent	recent	ADJ
fsr-3164	43	2	literature	literature	NOUN
fsr-3164	43	3	on	on	ADP
fsr-3164	43	4	the	the	DET
fsr-3164	43	5	impacts	impact	NOUN
fsr-3164	43	6	of	of	ADP
fsr-3164	43	7	digitalization	digitalization	NOUN
fsr-3164	43	8	on	on	ADP
fsr-3164	43	9	personal	personal	ADJ
fsr-3164	43	10	financial	financial	ADJ
fsr-3164	43	11	capability	capability	NOUN
fsr-3164	43	12	has	have	AUX
fsr-3164	43	13	focused	focus	VERB
fsr-3164	43	14	on	on	ADP
fsr-3164	43	15	three	three	NUM
fsr-3164	43	16	areas	area	NOUN
fsr-3164	43	17	:	:	PUNCT
fsr-3164	43	18	consumer	consumer	NOUN
fsr-3164	43	19	behavior	behavior	NOUN
fsr-3164	43	20	,	,	PUNCT
fsr-3164	43	21	online	online	ADJ
fsr-3164	43	22	financial	financial	ADJ
fsr-3164	43	23	service	service	NOUN
fsr-3164	43	24	,	,	PUNCT
fsr-3164	43	25	and	and	CCONJ
fsr-3164	43	26	digital	digital	ADJ
fsr-3164	43	27	adoptions	adoption	NOUN
fsr-3164	43	28	relevant	relevant	ADJ
fsr-3164	43	29	to	to	PART
fsr-3164	43	30	work	work	NOUN
fsr-3164	43	31	tasks	task	NOUN
fsr-3164	43	32	.	.	PUNCT
fsr-3164	44	1	a	a	DET
fsr-3164	44	2	line	line	NOUN
fsr-3164	44	3	of	of	ADP
fsr-3164	44	4	research	research	NOUN
fsr-3164	44	5	has	have	AUX
fsr-3164	44	6	examined	examine	VERB
fsr-3164	44	7	the	the	DET
fsr-3164	44	8	technological	technological	ADJ
fsr-3164	44	9	implication	implication	NOUN
fsr-3164	44	10	on	on	ADP
fsr-3164	44	11	financial	financial	ADJ
fsr-3164	44	12	capability	capability	NOUN
fsr-3164	44	13	through	through	ADP
fsr-3164	44	14	consumer	consumer	NOUN
fsr-3164	44	15	’s	’s	PART
fsr-3164	44	16	online	online	ADJ
fsr-3164	44	17	shopping	shopping	NOUN
fsr-3164	44	18	and	and	CCONJ
fsr-3164	44	19	other	other	ADJ
fsr-3164	44	20	consumer	consumer	NOUN
fsr-3164	44	21	-	-	PUNCT
fsr-3164	44	22	credit	credit	NOUN
fsr-3164	44	23	digital	digital	ADJ
fsr-3164	44	24	transactions	transaction	NOUN
fsr-3164	44	25	,	,	PUNCT
fsr-3164	44	26	such	such	ADJ
fsr-3164	44	27	as	as	ADP
fsr-3164	44	28	in	in	ADP
fsr-3164	44	29	-	-	PUNCT
fsr-3164	44	30	game	game	NOUN
fsr-3164	44	31	purchases	purchase	NOUN
fsr-3164	44	32	,	,	PUNCT
fsr-3164	44	33	which	which	PRON
fsr-3164	44	34	in	in	ADP
fsr-3164	44	35	turn	turn	NOUN
fsr-3164	44	36	were	be	AUX
fsr-3164	44	37	linked	link	VERB
fsr-3164	44	38	to	to	ADP
fsr-3164	44	39	high	high	ADJ
fsr-3164	44	40	-	-	PUNCT
fsr-3164	44	41	cost	cost	NOUN
fsr-3164	44	42	debts	debt	NOUN
fsr-3164	44	43	(	(	PUNCT
fsr-3164	44	44	carlsson	carlsson	PROPN
fsr-3164	44	45	et	et	PROPN
fsr-3164	44	46	al	al	PROPN
fsr-3164	44	47	.	.	PROPN
fsr-3164	44	48	2017	2017	NUM
fsr-3164	44	49	;	;	PUNCT
fsr-3164	44	50	garrett	garrett	PROPN
fsr-3164	44	51	et	et	PROPN
fsr-3164	44	52	al	al	PROPN
fsr-3164	44	53	.	.	PROPN
fsr-3164	44	54	2014	2014	NUM
fsr-3164	44	55	)	)	PUNCT
fsr-3164	44	56	.	.	PUNCT
fsr-3164	45	1	additionally	additionally	ADV
fsr-3164	45	2	,	,	PUNCT
fsr-3164	45	3	individuals	individual	NOUN
fsr-3164	45	4	are	be	AUX
fsr-3164	45	5	increasingly	increasingly	ADV
fsr-3164	45	6	adopting	adopt	VERB
fsr-3164	45	7	online	online	ADJ
fsr-3164	45	8	financial	financial	ADJ
fsr-3164	45	9	services	service	NOUN
fsr-3164	45	10	such	such	ADJ
fsr-3164	45	11	as	as	ADP
fsr-3164	45	12	mobile	mobile	ADJ
fsr-3164	45	13	banking	banking	NOUN
fsr-3164	45	14	,	,	PUNCT
fsr-3164	45	15	fund	fund	NOUN
fsr-3164	45	16	transfers	transfer	NOUN
fsr-3164	45	17	,	,	PUNCT
fsr-3164	45	18	bill	bill	NOUN
fsr-3164	45	19	payments	payment	NOUN
fsr-3164	45	20	,	,	PUNCT
fsr-3164	45	21	and	and	CCONJ
fsr-3164	45	22	cash	cash	NOUN
fsr-3164	45	23	management	management	NOUN
fsr-3164	45	24	.	.	PUNCT
fsr-3164	46	1	hee	hee	PROPN
fsr-3164	46	2	yeo	yeo	PROPN
fsr-3164	46	3	and	and	CCONJ
fsr-3164	46	4	fisher	fisher	PROPN
fsr-3164	46	5	(	(	PUNCT
fsr-3164	46	6	2017	2017	NUM
fsr-3164	46	7	)	)	PUNCT
fsr-3164	46	8	reports	report	VERB
fsr-3164	46	9	more	more	ADV
fsr-3164	46	10	frequent	frequent	ADJ
fsr-3164	46	11	use	use	NOUN
fsr-3164	46	12	of	of	ADP
fsr-3164	46	13	online	online	ADJ
fsr-3164	46	14	financial	financial	ADJ
fsr-3164	46	15	service	service	NOUN
fsr-3164	46	16	is	be	AUX
fsr-3164	46	17	associated	associate	VERB
fsr-3164	46	18	with	with	ADP
fsr-3164	46	19	a	a	DET
fsr-3164	46	20	high	high	ADJ
fsr-3164	46	21	level	level	NOUN
fsr-3164	46	22	of	of	ADP
fsr-3164	46	23	financial	financial	ADJ
fsr-3164	46	24	capability	capability	NOUN
fsr-3164	46	25	.	.	PUNCT
fsr-3164	47	1	technological	technological	ADJ
fsr-3164	47	2	advancement	advancement	NOUN
fsr-3164	47	3	has	have	AUX
fsr-3164	47	4	not	not	PART
fsr-3164	47	5	only	only	ADV
fsr-3164	47	6	transformed	transform	VERB
fsr-3164	47	7	individual	individual	ADJ
fsr-3164	47	8	behavior	behavior	NOUN
fsr-3164	47	9	in	in	ADP
fsr-3164	47	10	communication	communication	NOUN
fsr-3164	47	11	,	,	PUNCT
fsr-3164	47	12	consumption	consumption	NOUN
fsr-3164	47	13	,	,	PUNCT
fsr-3164	47	14	and	and	CCONJ
fsr-3164	47	15	social	social	ADJ
fsr-3164	47	16	interaction	interaction	NOUN
fsr-3164	47	17	,	,	PUNCT
fsr-3164	47	18	but	but	CCONJ
fsr-3164	47	19	also	also	ADV
fsr-3164	47	20	provided	provide	VERB
fsr-3164	47	21	a	a	DET
fsr-3164	47	22	unique	unique	ADJ
fsr-3164	47	23	opportunity	opportunity	NOUN
fsr-3164	47	24	to	to	PART
fsr-3164	47	25	complement	complement	VERB
fsr-3164	47	26	traditional	traditional	ADJ
fsr-3164	47	27	avenues	avenue	NOUN
fsr-3164	47	28	to	to	PART
fsr-3164	47	29	acquire	acquire	VERB
fsr-3164	47	30	financial	financial	ADJ
fsr-3164	47	31	literacy	literacy	NOUN
fsr-3164	47	32	and	and	CCONJ
fsr-3164	47	33	manage	manage	VERB
fsr-3164	47	34	personal	personal	ADJ
fsr-3164	47	35	financial	financial	ADJ
fsr-3164	47	36	matters	matter	NOUN
fsr-3164	47	37	.	.	PUNCT
fsr-3164	48	1	the	the	DET
fsr-3164	48	2	federal	federal	PROPN
fsr-3164	48	3	reserve	reserve	PROPN
fsr-3164	48	4	board	board	PROPN
fsr-3164	48	5	(	(	PUNCT
fsr-3164	48	6	2016	2016	NUM
fsr-3164	48	7	)	)	PUNCT
fsr-3164	48	8	indicates	indicate	VERB
fsr-3164	48	9	that	that	SCONJ
fsr-3164	48	10	mobile	mobile	ADJ
fsr-3164	48	11	phone	phone	NOUN
fsr-3164	48	12	usage	usage	NOUN
fsr-3164	48	13	is	be	AUX
fsr-3164	48	14	higher	high	ADJ
fsr-3164	48	15	among	among	ADP
fsr-3164	48	16	younger	young	ADJ
fsr-3164	48	17	groups	group	NOUN
fsr-3164	48	18	,	,	PUNCT
fsr-3164	48	19	with	with	ADP
fsr-3164	48	20	the	the	DET
fsr-3164	48	21	same	same	ADJ
fsr-3164	48	22	trends	trend	NOUN
fsr-3164	48	23	in	in	ADP
fsr-3164	48	24	smartphone	smartphone	NOUN
fsr-3164	48	25	usage	usage	NOUN
fsr-3164	48	26	.	.	PUNCT
fsr-3164	49	1	prior	prior	ADJ
fsr-3164	49	2	research	research	NOUN
fsr-3164	49	3	has	have	AUX
fsr-3164	49	4	documented	document	VERB
fsr-3164	49	5	both	both	CCONJ
fsr-3164	49	6	positive	positive	ADJ
fsr-3164	49	7	and	and	CCONJ
fsr-3164	49	8	negative	negative	ADJ
fsr-3164	49	9	effects	effect	NOUN
fsr-3164	49	10	of	of	ADP
fsr-3164	49	11	technology	technology	NOUN
fsr-3164	49	12	adoption	adoption	NOUN
fsr-3164	49	13	on	on	ADP
fsr-3164	49	14	personal	personal	ADJ
fsr-3164	49	15	use	use	NOUN
fsr-3164	49	16	.	.	PUNCT
fsr-3164	50	1	using	use	VERB
fsr-3164	50	2	technology	technology	NOUN
fsr-3164	50	3	in	in	ADP
fsr-3164	50	4	social	social	ADJ
fsr-3164	50	5	networks	network	NOUN
fsr-3164	50	6	increases	increase	VERB
fsr-3164	50	7	self	self	NOUN
fsr-3164	50	8	-	-	PUNCT
fsr-3164	50	9	esteem	esteem	NOUN
fsr-3164	50	10	but	but	CCONJ
fsr-3164	50	11	reduces	reduce	VERB
fsr-3164	50	12	self	self	NOUN
fsr-3164	50	13	-	-	PUNCT
fsr-3164	50	14	control	control	NOUN
fsr-3164	50	15	and	and	CCONJ
fsr-3164	50	16	self	self	NOUN
fsr-3164	50	17	-	-	PUNCT
fsr-3164	50	18	regulation	regulation	NOUN
fsr-3164	50	19	ability	ability	NOUN
fsr-3164	50	20	(	(	PUNCT
fsr-3164	50	21	wilcox	wilcox	PROPN
fsr-3164	50	22	&	&	CCONJ
fsr-3164	50	23	stephen	stephen	PROPN
fsr-3164	50	24	,	,	PUNCT
fsr-3164	50	25	2012	2012	NUM
fsr-3164	50	26	)	)	PUNCT
fsr-3164	50	27	.	.	PUNCT
fsr-3164	51	1	chan	chan	PROPN
fsr-3164	51	2	and	and	CCONJ
fsr-3164	51	3	saqib	saqib	PROPN
fsr-3164	51	4	(	(	PUNCT
fsr-3164	51	5	2015	2015	NUM
fsr-3164	51	6	)	)	PUNCT
fsr-3164	51	7	report	report	NOUN
fsr-3164	51	8	that	that	SCONJ
fsr-3164	51	9	using	use	VERB
fsr-3164	51	10	online	online	ADJ
fsr-3164	51	11	social	social	ADJ
fsr-3164	51	12	networking	network	VERB
fsr-3164	51	13	services	service	NOUN
fsr-3164	51	14	increases	increase	VERB
fsr-3164	51	15	financial	financial	ADJ
fsr-3164	51	16	risk	risk	NOUN
fsr-3164	51	17	-	-	PUNCT
fsr-3164	51	18	taking	taking	NOUN
fsr-3164	51	19	.	.	PUNCT
fsr-3164	52	1	carlsson	carlsson	PROPN
fsr-3164	52	2	et	et	PROPN
fsr-3164	52	3	al	al	PROPN
fsr-3164	52	4	.	.	PROPN
fsr-3164	53	1	(	(	PUNCT
fsr-3164	53	2	2017	2017	NUM
fsr-3164	53	3	)	)	PUNCT
fsr-3164	53	4	suggest	suggest	VERB
fsr-3164	53	5	that	that	SCONJ
fsr-3164	53	6	as	as	ADP
fsr-3164	53	7	the	the	DET
fsr-3164	53	8	use	use	NOUN
fsr-3164	53	9	of	of	ADP
fsr-3164	53	10	a.	a.	PROPN
fsr-3164	53	11	mussa	mussa	PROPN
fsr-3164	53	12	et	et	PROPN
fsr-3164	53	13	al	al	PROPN
fsr-3164	53	14	.	.	PUNCT
fsr-3164	53	15	/	/	SYM
fsr-3164	53	16	financial	financial	ADJ
fsr-3164	53	17	services	service	NOUN
fsr-3164	53	18	review	review	VERB
fsr-3164	53	19	30	30	NUM
fsr-3164	53	20	(	(	PUNCT
fsr-3164	53	21	2022	2022	NUM
fsr-3164	53	22	)	)	PUNCT
fsr-3164	54	1	273–296	273–296	NUM
fsr-3164	54	2	275	275	NUM
fsr-3164	54	3	the	the	DET
fsr-3164	54	4	internet	internet	NOUN
fsr-3164	54	5	and	and	CCONJ
fsr-3164	54	6	mobile	mobile	ADJ
fsr-3164	54	7	use	use	NOUN
fsr-3164	54	8	increases	increase	NOUN
fsr-3164	54	9	,	,	PUNCT
fsr-3164	54	10	policymakers	policymaker	NOUN
fsr-3164	54	11	need	need	VERB
fsr-3164	54	12	to	to	PART
fsr-3164	54	13	be	be	AUX
fsr-3164	54	14	aware	aware	ADJ
fsr-3164	54	15	of	of	ADP
fsr-3164	54	16	the	the	DET
fsr-3164	54	17	consequences	consequence	NOUN
fsr-3164	54	18	of	of	ADP
fsr-3164	54	19	digital	digital	ADJ
fsr-3164	54	20	measurability	measurability	NOUN
fsr-3164	54	21	.	.	PUNCT
fsr-3164	55	1	they	they	PRON
fsr-3164	55	2	suggest	suggest	VERB
fsr-3164	55	3	that	that	SCONJ
fsr-3164	55	4	purchases	purchase	NOUN
fsr-3164	55	5	are	be	AUX
fsr-3164	55	6	integrated	integrate	VERB
fsr-3164	55	7	into	into	ADP
fsr-3164	55	8	digital	digital	ADJ
fsr-3164	55	9	games	game	NOUN
fsr-3164	55	10	targeting	target	VERB
fsr-3164	55	11	children	child	NOUN
fsr-3164	55	12	.	.	PUNCT
fsr-3164	56	1	they	they	PRON
fsr-3164	56	2	also	also	ADV
fsr-3164	56	3	examine	examine	VERB
fsr-3164	56	4	the	the	DET
fsr-3164	56	5	increase	increase	NOUN
fsr-3164	56	6	in	in	ADP
fsr-3164	56	7	payment	payment	NOUN
fsr-3164	56	8	forms	form	NOUN
fsr-3164	56	9	with	with	ADP
fsr-3164	56	10	installment	installment	NOUN
fsr-3164	56	11	options	option	NOUN
fsr-3164	56	12	or	or	CCONJ
fsr-3164	56	13	unsecured	unsecured	ADJ
fsr-3164	56	14	loans	loan	NOUN
fsr-3164	56	15	.	.	PUNCT
fsr-3164	57	1	this	this	PRON
fsr-3164	57	2	provides	provide	VERB
fsr-3164	57	3	consumers	consumer	NOUN
fsr-3164	57	4	with	with	ADP
fsr-3164	57	5	more	more	ADV
fsr-3164	57	6	complex	complex	ADJ
fsr-3164	57	7	financial	financial	ADJ
fsr-3164	57	8	decisions	decision	NOUN
fsr-3164	57	9	on	on	ADP
fsr-3164	57	10	purchasing	purchase	VERB
fsr-3164	57	11	and	and	CCONJ
fsr-3164	57	12	taking	take	VERB
fsr-3164	57	13	on	on	ADP
fsr-3164	57	14	credit	credit	NOUN
fsr-3164	57	15	.	.	PUNCT
fsr-3164	58	1	hee	hee	PROPN
fsr-3164	58	2	yeo	yeo	PROPN
fsr-3164	58	3	and	and	CCONJ
fsr-3164	58	4	fisher	fisher	PROPN
fsr-3164	58	5	(	(	PUNCT
fsr-3164	58	6	2017	2017	NUM
fsr-3164	58	7	)	)	PUNCT
fsr-3164	58	8	recommend	recommend	VERB
fsr-3164	58	9	that	that	SCONJ
fsr-3164	58	10	an	an	DET
fsr-3164	58	11	increased	increase	VERB
fsr-3164	58	12	frequency	frequency	NOUN
fsr-3164	58	13	of	of	ADP
fsr-3164	58	14	using	use	VERB
fsr-3164	58	15	a	a	DET
fsr-3164	58	16	mobile	mobile	ADJ
fsr-3164	58	17	phone	phone	NOUN
fsr-3164	58	18	for	for	ADP
fsr-3164	58	19	financial	financial	ADJ
fsr-3164	58	20	services	service	NOUN
fsr-3164	58	21	is	be	AUX
fsr-3164	58	22	associated	associate	VERB
fsr-3164	58	23	with	with	ADP
fsr-3164	58	24	a	a	DET
fsr-3164	58	25	greater	great	ADJ
fsr-3164	58	26	likelihood	likelihood	NOUN
fsr-3164	58	27	of	of	ADP
fsr-3164	58	28	having	have	VERB
fsr-3164	58	29	better	well	ADJ
fsr-3164	58	30	money	money	NOUN
fsr-3164	58	31	management	management	NOUN
fsr-3164	58	32	skills	skill	NOUN
fsr-3164	58	33	and	and	CCONJ
fsr-3164	58	34	higher	high	ADJ
fsr-3164	58	35	levels	level	NOUN
fsr-3164	58	36	of	of	ADP
fsr-3164	58	37	financial	financial	ADJ
fsr-3164	58	38	capability	capability	NOUN
fsr-3164	58	39	.	.	PUNCT
fsr-3164	59	1	de	de	PROPN
fsr-3164	59	2	meza	meza	PROPN
fsr-3164	59	3	et	et	PROPN
fsr-3164	59	4	al	al	PROPN
fsr-3164	59	5	.	.	PROPN
fsr-3164	60	1	(	(	PUNCT
fsr-3164	60	2	2008	2008	NUM
fsr-3164	60	3	)	)	PUNCT
fsr-3164	60	4	state	state	NOUN
fsr-3164	60	5	that	that	SCONJ
fsr-3164	60	6	the	the	DET
fsr-3164	60	7	increasing	increase	VERB
fsr-3164	60	8	use	use	NOUN
fsr-3164	60	9	and	and	CCONJ
fsr-3164	60	10	adoption	adoption	NOUN
fsr-3164	60	11	of	of	ADP
fsr-3164	60	12	mobile	mobile	ADJ
fsr-3164	60	13	technologies	technology	NOUN
fsr-3164	60	14	could	could	AUX
fsr-3164	60	15	help	help	VERB
fsr-3164	60	16	individuals	individual	NOUN
fsr-3164	60	17	manage	manage	VERB
fsr-3164	60	18	their	their	PRON
fsr-3164	60	19	finances	finance	NOUN
fsr-3164	60	20	better	well	ADV
fsr-3164	60	21	.	.	PUNCT
fsr-3164	61	1	hogarth	hogarth	NOUN
fsr-3164	61	2	and	and	CCONJ
fsr-3164	61	3	anguelov	anguelov	NOUN
fsr-3164	61	4	(	(	PUNCT
fsr-3164	61	5	2004	2004	NUM
fsr-3164	61	6	)	)	PUNCT
fsr-3164	61	7	report	report	NOUN
fsr-3164	61	8	that	that	SCONJ
fsr-3164	61	9	families	family	NOUN
fsr-3164	61	10	using	use	VERB
fsr-3164	61	11	phone	phone	NOUN
fsr-3164	61	12	banking	banking	NOUN
fsr-3164	61	13	and	and	CCONJ
fsr-3164	61	14	computer	computer	NOUN
fsr-3164	61	15	banking	banking	NOUN
fsr-3164	61	16	contribute	contribute	VERB
fsr-3164	61	17	to	to	ADP
fsr-3164	61	18	higher	high	ADJ
fsr-3164	61	19	levels	level	NOUN
fsr-3164	61	20	of	of	ADP
fsr-3164	61	21	financial	financial	ADJ
fsr-3164	61	22	management	management	NOUN
fsr-3164	61	23	,	,	PUNCT
fsr-3164	61	24	with	with	ADP
fsr-3164	61	25	the	the	DET
fsr-3164	61	26	use	use	NOUN
fsr-3164	61	27	of	of	ADP
fsr-3164	61	28	computer	computer	NOUN
fsr-3164	61	29	banking	banking	NOUN
fsr-3164	61	30	having	have	VERB
fsr-3164	61	31	the	the	DET
fsr-3164	61	32	largest	large	ADJ
fsr-3164	61	33	impact	impact	NOUN
fsr-3164	61	34	.	.	PUNCT
fsr-3164	62	1	e	e	X
fsr-3164	62	2	-	-	NOUN
fsr-3164	62	3	banking	banking	NOUN
fsr-3164	62	4	can	can	AUX
fsr-3164	62	5	be	be	AUX
fsr-3164	62	6	an	an	DET
fsr-3164	62	7	additional	additional	ADJ
fsr-3164	62	8	tool	tool	NOUN
fsr-3164	62	9	that	that	PRON
fsr-3164	62	10	compliments	compliment	VERB
fsr-3164	62	11	other	other	ADJ
fsr-3164	62	12	financial	financial	ADJ
fsr-3164	62	13	management	management	NOUN
fsr-3164	62	14	skills	skill	NOUN
fsr-3164	62	15	rather	rather	ADV
fsr-3164	62	16	than	than	ADP
fsr-3164	62	17	e	e	NOUN
fsr-3164	62	18	-	-	NOUN
fsr-3164	62	19	banking	banking	NOUN
fsr-3164	62	20	being	be	AUX
fsr-3164	62	21	the	the	DET
fsr-3164	62	22	sole	sole	ADJ
fsr-3164	62	23	driver	driver	NOUN
fsr-3164	62	24	of	of	ADP
fsr-3164	62	25	better	well	ADJ
fsr-3164	62	26	financial	financial	ADJ
fsr-3164	62	27	management	management	NOUN
fsr-3164	62	28	.	.	PUNCT
fsr-3164	63	1	walsh	walsh	PROPN
fsr-3164	63	2	and	and	CCONJ
fsr-3164	63	3	lim	lim	PROPN
fsr-3164	63	4	(	(	PUNCT
fsr-3164	63	5	2020	2020	NUM
fsr-3164	63	6	)	)	PUNCT
fsr-3164	63	7	study	study	NOUN
fsr-3164	63	8	millennials	millennial	NOUN
fsr-3164	63	9	’	'	PUNCT
fsr-3164	63	10	financial	financial	ADJ
fsr-3164	63	11	behavior	behavior	NOUN
fsr-3164	64	1	and	and	CCONJ
fsr-3164	64	2	finds	find	VERB
fsr-3164	64	3	heavy	heavy	ADJ
fsr-3164	64	4	technology	technology	NOUN
fsr-3164	64	5	adopters	adopter	NOUN
fsr-3164	64	6	tend	tend	VERB
fsr-3164	64	7	to	to	PART
fsr-3164	64	8	be	be	AUX
fsr-3164	64	9	more	more	ADV
fsr-3164	64	10	likely	likely	ADJ
fsr-3164	64	11	to	to	PART
fsr-3164	64	12	engage	engage	VERB
fsr-3164	64	13	in	in	ADP
fsr-3164	64	14	positive	positive	ADJ
fsr-3164	64	15	financial	financial	ADJ
fsr-3164	64	16	behavior	behavior	NOUN
fsr-3164	64	17	such	such	ADJ
fsr-3164	64	18	as	as	ADP
fsr-3164	64	19	setting	set	VERB
fsr-3164	64	20	up	up	ADP
fsr-3164	64	21	emergency	emergency	NOUN
fsr-3164	64	22	funds	fund	NOUN
fsr-3164	64	23	,	,	PUNCT
fsr-3164	64	24	retirement	retirement	NOUN
fsr-3164	64	25	and	and	CCONJ
fsr-3164	64	26	investment	investment	NOUN
fsr-3164	64	27	accounts	account	NOUN
fsr-3164	64	28	and	and	CCONJ
fsr-3164	64	29	less	less	ADV
fsr-3164	64	30	-	-	PUNCT
fsr-3164	64	31	desired	desire	VERB
fsr-3164	64	32	financial	financial	ADJ
fsr-3164	64	33	behavior	behavior	NOUN
fsr-3164	64	34	of	of	ADP
fsr-3164	64	35	overspending	overspending	NOUN
fsr-3164	64	36	.	.	PUNCT
fsr-3164	65	1	in	in	ADP
fsr-3164	65	2	our	our	PRON
fsr-3164	65	3	paper	paper	NOUN
fsr-3164	65	4	,	,	PUNCT
fsr-3164	65	5	the	the	DET
fsr-3164	65	6	variable	variable	ADJ
fsr-3164	65	7	tech	tech	NOUN
fsr-3164	65	8	-	-	PUNCT
fsr-3164	65	9	savvy	savvy	NOUN
fsr-3164	65	10	includes	include	VERB
fsr-3164	65	11	both	both	CCONJ
fsr-3164	65	12	mobile	mobile	ADJ
fsr-3164	65	13	and	and	CCONJ
fsr-3164	65	14	web	web	NOUN
fsr-3164	65	15	app	app	NOUN
fsr-3164	65	16	users	user	NOUN
fsr-3164	65	17	.	.	PUNCT
fsr-3164	66	1	we	we	PRON
fsr-3164	66	2	also	also	ADV
fsr-3164	66	3	break	break	VERB
fsr-3164	66	4	down	down	ADP
fsr-3164	66	5	the	the	DET
fsr-3164	66	6	tech	tech	NOUN
fsr-3164	66	7	-	-	PUNCT
fsr-3164	66	8	savvy	savvy	ADJ
fsr-3164	66	9	variable	variable	NOUN
fsr-3164	66	10	by	by	ADP
fsr-3164	66	11	specific	specific	ADJ
fsr-3164	66	12	metrics	metric	NOUN
fsr-3164	66	13	in	in	ADP
fsr-3164	66	14	responses	response	NOUN
fsr-3164	66	15	to	to	PART
fsr-3164	66	16	survey	survey	VERB
fsr-3164	66	17	questions	question	NOUN
fsr-3164	66	18	:	:	PUNCT
fsr-3164	66	19	how	how	SCONJ
fsr-3164	66	20	often	often	ADV
fsr-3164	66	21	individuals	individual	NOUN
fsr-3164	66	22	used	use	VERB
fsr-3164	66	23	their	their	PRON
fsr-3164	66	24	phone	phone	NOUN
fsr-3164	66	25	to	to	PART
fsr-3164	66	26	pay	pay	VERB
fsr-3164	66	27	for	for	ADP
fsr-3164	66	28	a	a	DET
fsr-3164	66	29	product	product	NOUN
fsr-3164	66	30	or	or	CCONJ
fsr-3164	66	31	service	service	NOUN
fsr-3164	66	32	in	in	ADP
fsr-3164	66	33	person	person	NOUN
fsr-3164	66	34	,	,	PUNCT
fsr-3164	66	35	and	and	CCONJ
fsr-3164	66	36	how	how	SCONJ
fsr-3164	66	37	often	often	ADV
fsr-3164	66	38	individuals	individual	NOUN
fsr-3164	66	39	transfer	transfer	VERB
fsr-3164	66	40	money	money	NOUN
fsr-3164	66	41	on	on	ADP
fsr-3164	66	42	a	a	DET
fsr-3164	66	43	mobile	mobile	ADJ
fsr-3164	66	44	phone	phone	NOUN
fsr-3164	66	45	.	.	PUNCT
fsr-3164	67	1	part	part	NOUN
fsr-3164	67	2	of	of	ADP
fsr-3164	67	3	our	our	PRON
fsr-3164	67	4	research	research	NOUN
fsr-3164	67	5	investigates	investigate	VERB
fsr-3164	67	6	how	how	SCONJ
fsr-3164	67	7	using	use	VERB
fsr-3164	67	8	technology	technology	NOUN
fsr-3164	67	9	affects	affect	VERB
fsr-3164	67	10	different	different	ADJ
fsr-3164	67	11	generations	generation	NOUN
fsr-3164	67	12	’	'	PUNCT
fsr-3164	67	13	financial	financial	ADJ
fsr-3164	67	14	behavior	behavior	NOUN
fsr-3164	67	15	in	in	ADP
fsr-3164	67	16	the	the	DET
fsr-3164	67	17	short	short	ADJ
fsr-3164	67	18	-	-	PUNCT
fsr-3164	67	19	term	term	NOUN
fsr-3164	67	20	and	and	CCONJ
fsr-3164	67	21	long	long	ADJ
fsr-3164	67	22	-	-	PUNCT
fsr-3164	67	23	term	term	NOUN
fsr-3164	67	24	.	.	PUNCT
fsr-3164	68	1	mobile	mobile	ADJ
fsr-3164	68	2	use	use	NOUN
fsr-3164	68	3	for	for	ADP
fsr-3164	68	4	transfers	transfer	NOUN
fsr-3164	68	5	is	be	AUX
fsr-3164	68	6	negatively	negatively	ADV
fsr-3164	68	7	and	and	CCONJ
fsr-3164	68	8	significantly	significantly	ADV
fsr-3164	68	9	associated	associate	VERB
fsr-3164	68	10	with	with	ADP
fsr-3164	68	11	good	good	ADJ
fsr-3164	68	12	short	short	ADJ
fsr-3164	68	13	-	-	PUNCT
fsr-3164	68	14	term	term	NOUN
fsr-3164	68	15	financial	financial	ADJ
fsr-3164	68	16	behavior	behavior	NOUN
fsr-3164	68	17	of	of	ADP
fsr-3164	68	18	gen	gen	PROPN
fsr-3164	68	19	x	x	NOUN
fsr-3164	68	20	,	,	PUNCT
fsr-3164	68	21	and	and	CCONJ
fsr-3164	68	22	baby	baby	NOUN
fsr-3164	68	23	boomers	boomer	NOUN
fsr-3164	68	24	.	.	PUNCT
fsr-3164	69	1	those	those	DET
fsr-3164	69	2	earlier	early	ADJ
fsr-3164	69	3	generations	generation	NOUN
fsr-3164	69	4	who	who	PRON
fsr-3164	69	5	use	use	VERB
fsr-3164	69	6	technology	technology	NOUN
fsr-3164	69	7	for	for	ADP
fsr-3164	69	8	mobile	mobile	ADJ
fsr-3164	69	9	transfers	transfer	NOUN
fsr-3164	69	10	are	be	AUX
fsr-3164	69	11	4.0	4.0	NUM
fsr-3164	69	12	%	%	NOUN
fsr-3164	69	13	to	to	ADP
fsr-3164	69	14	6.7	6.7	NUM
fsr-3164	69	15	%	%	NOUN
fsr-3164	69	16	less	less	ADV
fsr-3164	69	17	likely	likely	ADJ
fsr-3164	69	18	to	to	PART
fsr-3164	69	19	engage	engage	VERB
fsr-3164	69	20	in	in	ADP
fsr-3164	69	21	good	good	ADJ
fsr-3164	69	22	short	short	ADJ
fsr-3164	69	23	-	-	PUNCT
fsr-3164	69	24	term	term	NOUN
fsr-3164	69	25	financial	financial	ADJ
fsr-3164	69	26	behavior	behavior	NOUN
fsr-3164	69	27	.	.	PUNCT
fsr-3164	70	1	additionally	additionally	ADV
fsr-3164	70	2	,	,	PUNCT
fsr-3164	70	3	the	the	DET
fsr-3164	70	4	tech	tech	NOUN
fsr-3164	70	5	-	-	PUNCT
fsr-3164	70	6	savvy	savvy	ADJ
fsr-3164	70	7	variable	variable	NOUN
fsr-3164	70	8	positively	positively	ADV
fsr-3164	70	9	and	and	CCONJ
fsr-3164	70	10	significantly	significantly	ADV
fsr-3164	70	11	relates	relate	VERB
fsr-3164	70	12	to	to	ADP
fsr-3164	70	13	the	the	DET
fsr-3164	70	14	good	good	ADJ
fsr-3164	70	15	long	long	ADJ
fsr-3164	70	16	-	-	PUNCT
fsr-3164	70	17	term	term	NOUN
fsr-3164	70	18	financial	financial	ADJ
fsr-3164	70	19	behavior	behavior	NOUN
fsr-3164	70	20	of	of	ADP
fsr-3164	70	21	igen	igen	PROPN
fsr-3164	70	22	/	/	SYM
fsr-3164	70	23	genz	genz	NOUN
fsr-3164	70	24	,	,	PUNCT
fsr-3164	70	25	millennials	millennial	NOUN
fsr-3164	70	26	/	/	SYM
fsr-3164	70	27	geny	geny	NOUN
fsr-3164	70	28	,	,	PUNCT
fsr-3164	70	29	and	and	CCONJ
fsr-3164	70	30	genx	genx	PROPN
fsr-3164	70	31	,	,	PUNCT
fsr-3164	70	32	while	while	SCONJ
fsr-3164	70	33	the	the	DET
fsr-3164	70	34	tech	tech	NOUN
fsr-3164	70	35	-	-	PUNCT
fsr-3164	70	36	savvy	savvy	ADJ
fsr-3164	70	37	variable	variable	NOUN
fsr-3164	70	38	is	be	AUX
fsr-3164	70	39	insignificant	insignificant	ADJ
fsr-3164	70	40	for	for	ADP
fsr-3164	70	41	the	the	DET
fsr-3164	70	42	baby	baby	NOUN
fsr-3164	70	43	boomers	boomer	NOUN
fsr-3164	70	44	.	.	PUNCT
fsr-3164	71	1	prior	prior	ADJ
fsr-3164	71	2	research	research	NOUN
fsr-3164	71	3	has	have	AUX
fsr-3164	71	4	examined	examine	VERB
fsr-3164	71	5	the	the	DET
fsr-3164	71	6	relationship	relationship	NOUN
fsr-3164	71	7	between	between	ADP
fsr-3164	71	8	age	age	NOUN
fsr-3164	71	9	and	and	CCONJ
fsr-3164	71	10	technology	technology	NOUN
fsr-3164	71	11	.	.	PUNCT
fsr-3164	72	1	for	for	ADP
fsr-3164	72	2	example	example	NOUN
fsr-3164	72	3	,	,	PUNCT
fsr-3164	72	4	liébana	liébana	PROPN
fsr-3164	72	5	-	-	PUNCT
fsr-3164	72	6	cabanillas	cabanillas	PROPN
fsr-3164	72	7	et	et	PROPN
fsr-3164	72	8	al	al	PROPN
fsr-3164	72	9	.	.	PUNCT
fsr-3164	73	1	(	(	PUNCT
fsr-3164	73	2	2014	2014	NUM
fsr-3164	73	3	)	)	PUNCT
fsr-3164	73	4	suggest	suggest	VERB
fsr-3164	73	5	that	that	SCONJ
fsr-3164	73	6	the	the	DET
fsr-3164	73	7	age	age	NOUN
fsr-3164	73	8	of	of	ADP
fsr-3164	73	9	the	the	DET
fsr-3164	73	10	technology	technology	NOUN
fsr-3164	73	11	user	user	NOUN
fsr-3164	73	12	plays	play	VERB
fsr-3164	73	13	a	a	DET
fsr-3164	73	14	significant	significant	ADJ
fsr-3164	73	15	role	role	NOUN
fsr-3164	73	16	in	in	ADP
fsr-3164	73	17	trusting	trust	VERB
fsr-3164	73	18	and	and	CCONJ
fsr-3164	73	19	using	use	VERB
fsr-3164	73	20	mobile	mobile	ADJ
fsr-3164	73	21	payment	payment	NOUN
fsr-3164	73	22	systems	system	NOUN
fsr-3164	73	23	.	.	PUNCT
fsr-3164	74	1	younger	young	ADJ
fsr-3164	74	2	users	user	NOUN
fsr-3164	74	3	are	be	AUX
fsr-3164	74	4	less	less	ADV
fsr-3164	74	5	affected	affect	VERB
fsr-3164	74	6	by	by	ADP
fsr-3164	74	7	acceptance	acceptance	NOUN
fsr-3164	74	8	problems	problem	NOUN
fsr-3164	74	9	while	while	SCONJ
fsr-3164	74	10	older	old	ADJ
fsr-3164	74	11	users	user	NOUN
fsr-3164	74	12	have	have	VERB
fsr-3164	74	13	less	less	ADJ
fsr-3164	74	14	trust	trust	NOUN
fsr-3164	74	15	in	in	ADP
fsr-3164	74	16	mobile	mobile	ADJ
fsr-3164	74	17	payment	payment	NOUN
fsr-3164	74	18	systems	system	NOUN
fsr-3164	74	19	.	.	PUNCT
fsr-3164	75	1	regarding	regard	VERB
fsr-3164	75	2	cultural	cultural	ADJ
fsr-3164	75	3	dominance	dominance	NOUN
fsr-3164	75	4	,	,	PUNCT
fsr-3164	75	5	gen	gen	PROPN
fsr-3164	75	6	x	x	PRON
fsr-3164	75	7	falls	fall	VERB
fsr-3164	75	8	short	short	ADV
fsr-3164	75	9	in	in	ADP
fsr-3164	75	10	the	the	DET
fsr-3164	75	11	digital	digital	ADJ
fsr-3164	75	12	category	category	NOUN
fsr-3164	75	13	(	(	PUNCT
fsr-3164	75	14	visual	visual	ADJ
fsr-3164	75	15	capitalist	capitalist	NOUN
fsr-3164	75	16	,	,	PUNCT
fsr-3164	75	17	2021	2021	NUM
fsr-3164	75	18	)	)	PUNCT
fsr-3164	75	19	.	.	PUNCT
fsr-3164	76	1	shobha	shobha	NOUN
fsr-3164	76	2	and	and	CCONJ
fsr-3164	76	3	kumar	kumar	PROPN
fsr-3164	76	4	(	(	PUNCT
fsr-3164	76	5	2020	2020	NUM
fsr-3164	76	6	)	)	PUNCT
fsr-3164	76	7	find	find	VERB
fsr-3164	76	8	that	that	SCONJ
fsr-3164	76	9	different	different	ADJ
fsr-3164	76	10	generations	generation	NOUN
fsr-3164	76	11	have	have	VERB
fsr-3164	76	12	different	different	ADJ
fsr-3164	76	13	perspectives	perspective	NOUN
fsr-3164	76	14	on	on	ADP
fsr-3164	76	15	life	life	NOUN
fsr-3164	76	16	,	,	PUNCT
fsr-3164	76	17	and	and	CCONJ
fsr-3164	76	18	so	so	ADV
fsr-3164	76	19	too	too	ADV
fsr-3164	76	20	is	be	AUX
fsr-3164	76	21	their	their	PRON
fsr-3164	76	22	personal	personal	ADJ
fsr-3164	76	23	financial	financial	ADJ
fsr-3164	76	24	behavior	behavior	NOUN
fsr-3164	76	25	.	.	PUNCT
fsr-3164	77	1	their	their	PRON
fsr-3164	77	2	research	research	NOUN
fsr-3164	77	3	focuses	focus	VERB
fsr-3164	77	4	on	on	ADP
fsr-3164	77	5	the	the	DET
fsr-3164	77	6	financial	financial	ADJ
fsr-3164	77	7	behaviors	behavior	NOUN
fsr-3164	77	8	between	between	ADP
fsr-3164	77	9	generation	generation	NOUN
fsr-3164	77	10	x	x	NOUN
fsr-3164	77	11	and	and	CCONJ
fsr-3164	77	12	generation	generation	NOUN
fsr-3164	77	13	y.	y.	NOUN
fsr-3164	77	14	they	they	PRON
fsr-3164	77	15	find	find	VERB
fsr-3164	77	16	that	that	SCONJ
fsr-3164	77	17	gen	gen	PROPN
fsr-3164	77	18	x	x	AUX
fsr-3164	77	19	has	have	VERB
fsr-3164	77	20	a	a	DET
fsr-3164	77	21	high	high	ADJ
fsr-3164	77	22	score	score	NOUN
fsr-3164	77	23	on	on	ADP
fsr-3164	77	24	financial	financial	ADJ
fsr-3164	77	25	literacy	literacy	NOUN
fsr-3164	77	26	,	,	PUNCT
fsr-3164	77	27	propensity	propensity	NOUN
fsr-3164	77	28	to	to	ADP
fsr-3164	77	29	planning	planning	NOUN
fsr-3164	77	30	,	,	PUNCT
fsr-3164	77	31	and	and	CCONJ
fsr-3164	77	32	financial	financial	ADJ
fsr-3164	77	33	risk	risk	NOUN
fsr-3164	77	34	tolerance	tolerance	NOUN
fsr-3164	77	35	,	,	PUNCT
fsr-3164	77	36	in	in	ADP
fsr-3164	77	37	comparison	comparison	NOUN
fsr-3164	77	38	with	with	ADP
fsr-3164	77	39	gen	gen	PROPN
fsr-3164	77	40	y.	y.	PROPN
fsr-3164	77	41	gen	gen	PROPN
fsr-3164	77	42	x	x	PRON
fsr-3164	77	43	also	also	ADV
fsr-3164	77	44	has	have	VERB
fsr-3164	77	45	more	more	ADV
fsr-3164	77	46	established	establish	VERB
fsr-3164	77	47	long	long	ADJ
fsr-3164	77	48	-	-	PUNCT
fsr-3164	77	49	term	term	NOUN
fsr-3164	77	50	financial	financial	ADJ
fsr-3164	77	51	behavior	behavior	NOUN
fsr-3164	77	52	.	.	PUNCT
fsr-3164	78	1	their	their	PRON
fsr-3164	78	2	study	study	NOUN
fsr-3164	78	3	reports	report	VERB
fsr-3164	78	4	that	that	SCONJ
fsr-3164	78	5	gen	gen	PROPN
fsr-3164	78	6	x	x	AUX
fsr-3164	78	7	has	have	AUX
fsr-3164	78	8	aligned	align	VERB
fsr-3164	78	9	their	their	PRON
fsr-3164	78	10	investment	investment	NOUN
fsr-3164	78	11	pattern	pattern	NOUN
fsr-3164	78	12	with	with	ADP
fsr-3164	78	13	their	their	PRON
fsr-3164	78	14	investment	investment	NOUN
fsr-3164	78	15	objectives	objective	NOUN
fsr-3164	78	16	,	,	PUNCT
fsr-3164	78	17	including	include	VERB
fsr-3164	78	18	long	long	ADJ
fsr-3164	78	19	-	-	PUNCT
fsr-3164	78	20	term	term	NOUN
fsr-3164	78	21	investments	investment	NOUN
fsr-3164	78	22	.	.	PUNCT
fsr-3164	79	1	kumar	kumar	PROPN
fsr-3164	79	2	and	and	CCONJ
fsr-3164	79	3	lim	lim	PROPN
fsr-3164	79	4	(	(	PUNCT
fsr-3164	79	5	2008	2008	NUM
fsr-3164	79	6	)	)	PUNCT
fsr-3164	79	7	suggest	suggest	VERB
fsr-3164	79	8	that	that	SCONJ
fsr-3164	79	9	baby	baby	NOUN
fsr-3164	79	10	boomers	boomer	NOUN
fsr-3164	79	11	utilize	utilize	VERB
fsr-3164	79	12	mobile	mobile	ADJ
fsr-3164	79	13	phones	phone	NOUN
fsr-3164	79	14	for	for	ADP
fsr-3164	79	15	a	a	DET
fsr-3164	79	16	more	more	ADV
fsr-3164	79	17	functional	functional	ADJ
fsr-3164	79	18	and	and	CCONJ
fsr-3164	79	19	utilitarian	utilitarian	ADJ
fsr-3164	79	20	reason	reason	NOUN
fsr-3164	79	21	in	in	ADP
fsr-3164	79	22	comparison	comparison	NOUN
fsr-3164	79	23	with	with	ADP
fsr-3164	79	24	other	other	ADJ
fsr-3164	79	25	generations	generation	NOUN
fsr-3164	79	26	.	.	PUNCT
fsr-3164	80	1	similarly	similarly	ADV
fsr-3164	80	2	,	,	PUNCT
fsr-3164	80	3	berraies	berraie	NOUN
fsr-3164	80	4	et	et	PROPN
fsr-3164	80	5	al	al	PROPN
fsr-3164	80	6	.	.	PROPN
fsr-3164	81	1	(	(	PUNCT
fsr-3164	81	2	2017	2017	NUM
fsr-3164	81	3	)	)	PUNCT
fsr-3164	81	4	indicate	indicate	VERB
fsr-3164	81	5	that	that	SCONJ
fsr-3164	81	6	baby	baby	NOUN
fsr-3164	81	7	boomers	boomer	NOUN
fsr-3164	81	8	put	put	VERB
fsr-3164	81	9	an	an	DET
fsr-3164	81	10	emphasis	emphasis	NOUN
fsr-3164	81	11	on	on	ADP
fsr-3164	81	12	monetary	monetary	ADJ
fsr-3164	81	13	and	and	CCONJ
fsr-3164	81	14	quality	quality	NOUN
fsr-3164	81	15	values	value	NOUN
fsr-3164	81	16	when	when	SCONJ
fsr-3164	81	17	deciding	decide	VERB
fsr-3164	81	18	their	their	PRON
fsr-3164	81	19	trust	trust	NOUN
fsr-3164	81	20	toward	toward	ADP
fsr-3164	81	21	mobile	mobile	ADJ
fsr-3164	81	22	financial	financial	ADJ
fsr-3164	81	23	use	use	NOUN
fsr-3164	81	24	.	.	PUNCT
fsr-3164	82	1	276	276	NUM
fsr-3164	82	2	a.	a.	NOUN
fsr-3164	82	3	mussa	mussa	PROPN
fsr-3164	82	4	et	et	PROPN
fsr-3164	82	5	al	al	PROPN
fsr-3164	82	6	.	.	PUNCT
fsr-3164	82	7	/	/	SYM
fsr-3164	82	8	financial	financial	ADJ
fsr-3164	82	9	services	service	NOUN
fsr-3164	82	10	review	review	VERB
fsr-3164	82	11	30	30	NUM
fsr-3164	82	12	(	(	PUNCT
fsr-3164	82	13	2022	2022	NUM
fsr-3164	82	14	)	)	PUNCT
fsr-3164	82	15	273–296	273–296	NUM
fsr-3164	82	16	when	when	SCONJ
fsr-3164	82	17	determining	determine	VERB
fsr-3164	82	18	short	short	ADJ
fsr-3164	82	19	-	-	PUNCT
fsr-3164	82	20	term	term	NOUN
fsr-3164	82	21	and	and	CCONJ
fsr-3164	82	22	long	long	ADJ
fsr-3164	82	23	-	-	PUNCT
fsr-3164	82	24	term	term	NOUN
fsr-3164	82	25	financial	financial	ADJ
fsr-3164	82	26	behaviors	behavior	NOUN
fsr-3164	82	27	,	,	PUNCT
fsr-3164	82	28	we	we	PRON
fsr-3164	82	29	follow	follow	VERB
fsr-3164	82	30	an	an	DET
fsr-3164	82	31	approach	approach	NOUN
fsr-3164	82	32	similar	similar	ADJ
fsr-3164	82	33	to	to	ADP
fsr-3164	82	34	wagner	wagner	PROPN
fsr-3164	82	35	and	and	CCONJ
fsr-3164	82	36	walstad	walstad	PROPN
fsr-3164	82	37	(	(	PUNCT
fsr-3164	82	38	2019	2019	NUM
fsr-3164	82	39	)	)	PUNCT
fsr-3164	82	40	.	.	PUNCT
fsr-3164	83	1	short	short	ADJ
fsr-3164	83	2	-	-	PUNCT
fsr-3164	83	3	term	term	NOUN
fsr-3164	83	4	financial	financial	ADJ
fsr-3164	83	5	behaviors	behavior	NOUN
fsr-3164	83	6	involve	involve	VERB
fsr-3164	83	7	money	money	NOUN
fsr-3164	83	8	and	and	CCONJ
fsr-3164	83	9	credit	credit	NOUN
fsr-3164	83	10	activities	activity	NOUN
fsr-3164	83	11	that	that	PRON
fsr-3164	83	12	provide	provide	VERB
fsr-3164	83	13	quick	quick	ADJ
fsr-3164	83	14	and	and	CCONJ
fsr-3164	83	15	consistent	consistent	ADJ
fsr-3164	83	16	feedback	feedback	NOUN
fsr-3164	83	17	.	.	PUNCT
fsr-3164	84	1	these	these	DET
fsr-3164	84	2	behaviors	behavior	NOUN
fsr-3164	84	3	can	can	AUX
fsr-3164	84	4	then	then	ADV
fsr-3164	84	5	be	be	AUX
fsr-3164	84	6	changed	change	VERB
fsr-3164	84	7	as	as	ADP
fsr-3164	84	8	a	a	DET
fsr-3164	84	9	result	result	NOUN
fsr-3164	84	10	of	of	ADP
fsr-3164	84	11	this	this	DET
fsr-3164	84	12	feedback	feedback	NOUN
fsr-3164	84	13	to	to	PART
fsr-3164	84	14	attempt	attempt	VERB
fsr-3164	84	15	to	to	PART
fsr-3164	84	16	avoid	avoid	VERB
fsr-3164	84	17	penalties	penalty	NOUN
fsr-3164	84	18	.	.	PUNCT
fsr-3164	85	1	long	long	ADJ
fsr-3164	85	2	-	-	PUNCT
fsr-3164	85	3	term	term	NOUN
fsr-3164	85	4	financial	financial	ADJ
fsr-3164	85	5	behaviors	behavior	NOUN
fsr-3164	85	6	require	require	VERB
fsr-3164	85	7	more	more	ADJ
fsr-3164	85	8	planning	planning	NOUN
fsr-3164	85	9	with	with	ADP
fsr-3164	85	10	less	less	ADV
fsr-3164	85	11	timely	timely	ADJ
fsr-3164	85	12	feedback	feedback	NOUN
fsr-3164	85	13	(	(	PUNCT
fsr-3164	85	14	wagner	wagner	PROPN
fsr-3164	85	15	&	&	CCONJ
fsr-3164	85	16	walstad	walstad	PROPN
fsr-3164	85	17	,	,	PUNCT
fsr-3164	85	18	2019	2019	NUM
fsr-3164	85	19	)	)	PUNCT
fsr-3164	85	20	.	.	PUNCT
fsr-3164	86	1	these	these	DET
fsr-3164	86	2	behaviors	behavior	NOUN
fsr-3164	86	3	involve	involve	VERB
fsr-3164	86	4	planning	plan	VERB
fsr-3164	86	5	and	and	CCONJ
fsr-3164	86	6	thinking	think	VERB
fsr-3164	86	7	about	about	ADP
fsr-3164	86	8	the	the	DET
fsr-3164	86	9	future	future	NOUN
fsr-3164	86	10	.	.	PUNCT
fsr-3164	87	1	as	as	ADP
fsr-3164	87	2	a	a	DET
fsr-3164	87	3	contribution	contribution	NOUN
fsr-3164	87	4	to	to	ADP
fsr-3164	87	5	this	this	DET
fsr-3164	87	6	literature	literature	NOUN
fsr-3164	87	7	,	,	PUNCT
fsr-3164	87	8	our	our	PRON
fsr-3164	87	9	paper	paper	NOUN
fsr-3164	87	10	examines	examine	VERB
fsr-3164	87	11	how	how	SCONJ
fsr-3164	87	12	being	be	AUX
fsr-3164	87	13	tech	tech	NOUN
fsr-3164	87	14	-	-	PUNCT
fsr-3164	87	15	savvy	savvy	NOUN
fsr-3164	87	16	is	be	AUX
fsr-3164	87	17	relevant	relevant	ADJ
fsr-3164	87	18	in	in	ADP
fsr-3164	87	19	explaining	explain	VERB
fsr-3164	87	20	shortand	shortand	NOUN
fsr-3164	87	21	long	long	ADJ
fsr-3164	87	22	-	-	PUNCT
fsr-3164	87	23	term	term	NOUN
fsr-3164	87	24	financial	financial	ADJ
fsr-3164	87	25	behavior	behavior	NOUN
fsr-3164	87	26	.	.	PUNCT
fsr-3164	88	1	additionally	additionally	ADV
fsr-3164	88	2	,	,	PUNCT
fsr-3164	88	3	we	we	PRON
fsr-3164	88	4	try	try	VERB
fsr-3164	88	5	to	to	PART
fsr-3164	88	6	understand	understand	VERB
fsr-3164	88	7	how	how	SCONJ
fsr-3164	88	8	the	the	DET
fsr-3164	88	9	relevancy	relevancy	NOUN
fsr-3164	88	10	varies	vary	VERB
fsr-3164	88	11	across	across	ADP
fsr-3164	88	12	generations	generation	NOUN
fsr-3164	88	13	.	.	PUNCT
fsr-3164	89	1	3	3	X
fsr-3164	89	2	.	.	X
fsr-3164	89	3	data	data	VERB
fsr-3164	89	4	the	the	DET
fsr-3164	89	5	data	datum	NOUN
fsr-3164	89	6	for	for	ADP
fsr-3164	89	7	this	this	DET
fsr-3164	89	8	study	study	NOUN
fsr-3164	89	9	came	come	VERB
fsr-3164	89	10	from	from	ADP
fsr-3164	89	11	the	the	DET
fsr-3164	89	12	2018	2018	NUM
fsr-3164	89	13	national	national	ADJ
fsr-3164	89	14	financial	financial	ADJ
fsr-3164	89	15	capability	capability	NOUN
fsr-3164	89	16	study	study	NOUN
fsr-3164	89	17	(	(	PUNCT
fsr-3164	89	18	nfcs	nfc	NOUN
fsr-3164	89	19	)	)	PUNCT
fsr-3164	89	20	.	.	PUNCT
fsr-3164	90	1	the	the	DET
fsr-3164	90	2	largest	large	ADJ
fsr-3164	90	3	component	component	NOUN
fsr-3164	90	4	of	of	ADP
fsr-3164	90	5	the	the	DET
fsr-3164	90	6	nfcs	nfc	NOUN
fsr-3164	90	7	,	,	PUNCT
fsr-3164	90	8	the	the	DET
fsr-3164	90	9	state	state	NOUN
fsr-3164	90	10	-	-	PUNCT
fsr-3164	90	11	by	by	ADP
fsr-3164	90	12	-	-	PUNCT
fsr-3164	90	13	state	state	NOUN
fsr-3164	90	14	survey	survey	NOUN
fsr-3164	90	15	,	,	PUNCT
fsr-3164	90	16	was	be	AUX
fsr-3164	90	17	conducted	conduct	VERB
fsr-3164	90	18	across	across	ADP
fsr-3164	90	19	a	a	DET
fsr-3164	90	20	large	large	ADJ
fsr-3164	90	21	and	and	CCONJ
fsr-3164	90	22	diverse	diverse	ADJ
fsr-3164	90	23	sample	sample	NOUN
fsr-3164	90	24	that	that	PRON
fsr-3164	90	25	provided	provide	VERB
fsr-3164	90	26	a	a	DET
fsr-3164	90	27	comprehensive	comprehensive	ADJ
fsr-3164	90	28	analysis	analysis	NOUN
fsr-3164	90	29	of	of	ADP
fsr-3164	90	30	the	the	DET
fsr-3164	90	31	financial	financial	ADJ
fsr-3164	90	32	capability	capability	NOUN
fsr-3164	90	33	of	of	ADP
fsr-3164	90	34	the	the	DET
fsr-3164	90	35	national	national	ADJ
fsr-3164	90	36	population	population	NOUN
fsr-3164	90	37	as	as	ADP
fsr-3164	90	38	a	a	DET
fsr-3164	90	39	whole	whole	NOUN
fsr-3164	90	40	.	.	PUNCT
fsr-3164	91	1	the	the	DET
fsr-3164	91	2	survey	survey	NOUN
fsr-3164	91	3	was	be	AUX
fsr-3164	91	4	conducted	conduct	VERB
fsr-3164	91	5	online	online	ADV
fsr-3164	91	6	from	from	ADP
fsr-3164	91	7	june	june	PROPN
fsr-3164	91	8	through	through	ADP
fsr-3164	91	9	october	october	PROPN
fsr-3164	91	10	2018	2018	NUM
fsr-3164	91	11	among	among	ADP
fsr-3164	91	12	a	a	DET
fsr-3164	91	13	nationally	nationally	ADV
fsr-3164	91	14	representative	representative	ADJ
fsr-3164	91	15	sample	sample	NOUN
fsr-3164	91	16	of	of	ADP
fsr-3164	91	17	27,091	27,091	NUM
fsr-3164	91	18	.	.	PUNCT
fsr-3164	92	1	the	the	DET
fsr-3164	92	2	final	final	ADJ
fsr-3164	92	3	sample	sample	NOUN
fsr-3164	92	4	used	use	VERB
fsr-3164	92	5	for	for	ADP
fsr-3164	92	6	this	this	DET
fsr-3164	92	7	study	study	NOUN
fsr-3164	92	8	is	be	AUX
fsr-3164	92	9	19,725	19,725	NUM
fsr-3164	92	10	after	after	ADP
fsr-3164	92	11	dropping	drop	VERB
fsr-3164	92	12	the	the	DET
fsr-3164	92	13	observations	observation	NOUN
fsr-3164	92	14	where	where	SCONJ
fsr-3164	92	15	the	the	DET
fsr-3164	92	16	respondent	respondent	NOUN
fsr-3164	92	17	chose	choose	VERB
fsr-3164	92	18	“	"	PUNCT
fsr-3164	92	19	prefer	prefer	VERB
fsr-3164	92	20	not	not	PART
fsr-3164	92	21	to	to	PART
fsr-3164	92	22	say	say	VERB
fsr-3164	92	23	”	"	PUNCT
fsr-3164	92	24	or	or	CCONJ
fsr-3164	92	25	“	"	PUNCT
fsr-3164	92	26	do	do	AUX
fsr-3164	92	27	n’t	not	PART
fsr-3164	92	28	know	know	VERB
fsr-3164	92	29	”	"	PUNCT
fsr-3164	92	30	to	to	ADP
fsr-3164	92	31	the	the	DET
fsr-3164	92	32	questions	question	NOUN
fsr-3164	92	33	about	about	ADP
fsr-3164	92	34	financial	financial	ADJ
fsr-3164	92	35	behaviors	behavior	NOUN
fsr-3164	92	36	and	and	CCONJ
fsr-3164	92	37	management	management	NOUN
fsr-3164	92	38	.	.	PUNCT
fsr-3164	93	1	however	however	ADV
fsr-3164	93	2	,	,	PUNCT
fsr-3164	93	3	an	an	DET
fsr-3164	93	4	answer	answer	NOUN
fsr-3164	93	5	of	of	ADP
fsr-3164	93	6	“	"	PUNCT
fsr-3164	93	7	prefer	prefer	VERB
fsr-3164	93	8	not	not	PART
fsr-3164	93	9	to	to	PART
fsr-3164	93	10	say	say	VERB
fsr-3164	93	11	”	"	PUNCT
fsr-3164	93	12	or	or	CCONJ
fsr-3164	93	13	“	"	PUNCT
fsr-3164	93	14	do	do	AUX
fsr-3164	93	15	n’t	not	PART
fsr-3164	93	16	know	know	VERB
fsr-3164	93	17	”	"	PUNCT
fsr-3164	93	18	is	be	AUX
fsr-3164	93	19	coded	code	VERB
fsr-3164	93	20	as	as	ADV
fsr-3164	93	21	incorrect	incorrect	ADJ
fsr-3164	93	22	in	in	ADP
fsr-3164	93	23	the	the	DET
fsr-3164	93	24	case	case	NOUN
fsr-3164	93	25	of	of	ADP
fsr-3164	93	26	the	the	DET
fsr-3164	93	27	objective	objective	ADJ
fsr-3164	93	28	financial	financial	ADJ
fsr-3164	93	29	knowledge	knowledge	NOUN
fsr-3164	93	30	questions.2	questions.2	ADP
fsr-3164	93	31	the	the	DET
fsr-3164	93	32	survey	survey	NOUN
fsr-3164	93	33	questionnaires	questionnaire	NOUN
fsr-3164	93	34	were	be	AUX
fsr-3164	93	35	divided	divide	VERB
fsr-3164	93	36	into	into	ADP
fsr-3164	93	37	10	10	NUM
fsr-3164	93	38	sessions	session	NOUN
fsr-3164	93	39	:	:	PUNCT
fsr-3164	93	40	(	(	PUNCT
fsr-3164	93	41	1	1	X
fsr-3164	93	42	)	)	PUNCT
fsr-3164	93	43	demographics	demographic	NOUN
fsr-3164	93	44	,	,	PUNCT
fsr-3164	93	45	(	(	PUNCT
fsr-3164	93	46	2	2	X
fsr-3164	93	47	)	)	PUNCT
fsr-3164	93	48	financial	financial	ADJ
fsr-3164	93	49	attitudes	attitude	NOUN
fsr-3164	93	50	and	and	CCONJ
fsr-3164	93	51	behaviors	behavior	NOUN
fsr-3164	93	52	,	,	PUNCT
fsr-3164	93	53	(	(	PUNCT
fsr-3164	93	54	3	3	X
fsr-3164	93	55	)	)	PUNCT
fsr-3164	93	56	banking	banking	NOUN
fsr-3164	93	57	,	,	PUNCT
fsr-3164	93	58	(	(	PUNCT
fsr-3164	93	59	4	4	X
fsr-3164	93	60	)	)	PUNCT
fsr-3164	93	61	retirement	retirement	NOUN
fsr-3164	93	62	accounts	account	NOUN
fsr-3164	93	63	,	,	PUNCT
fsr-3164	93	64	(	(	PUNCT
fsr-3164	93	65	5	5	X
fsr-3164	93	66	)	)	PUNCT
fsr-3164	93	67	government	government	NOUN
fsr-3164	93	68	benefits	benefit	NOUN
fsr-3164	93	69	,	,	PUNCT
fsr-3164	93	70	(	(	PUNCT
fsr-3164	93	71	6	6	NUM
fsr-3164	93	72	)	)	PUNCT
fsr-3164	93	73	home	home	NOUN
fsr-3164	93	74	and	and	CCONJ
fsr-3164	93	75	mortgages	mortgage	NOUN
fsr-3164	93	76	,	,	PUNCT
fsr-3164	93	77	(	(	PUNCT
fsr-3164	93	78	7	7	X
fsr-3164	93	79	)	)	PUNCT
fsr-3164	93	80	credit	credit	NOUN
fsr-3164	93	81	cards	card	NOUN
fsr-3164	93	82	,	,	PUNCT
fsr-3164	93	83	(	(	PUNCT
fsr-3164	93	84	8)	8)	NUM
fsr-3164	93	85	other	other	ADJ
fsr-3164	93	86	debts	debt	NOUN
fsr-3164	93	87	,	,	PUNCT
fsr-3164	93	88	(	(	PUNCT
fsr-3164	93	89	9	9	X
fsr-3164	93	90	)	)	PUNCT
fsr-3164	93	91	insurance	insurance	NOUN
fsr-3164	93	92	,	,	PUNCT
fsr-3164	93	93	and	and	CCONJ
fsr-3164	93	94	(	(	PUNCT
fsr-3164	93	95	10	10	NUM
fsr-3164	93	96	)	)	PUNCT
fsr-3164	93	97	selfassessment	selfassessment	NOUN
fsr-3164	93	98	and	and	CCONJ
fsr-3164	93	99	literacy	literacy	NOUN
fsr-3164	93	100	.	.	PUNCT
fsr-3164	94	1	table	table	NOUN
fsr-3164	94	2	1	1	NUM
fsr-3164	94	3	provides	provide	VERB
fsr-3164	94	4	descriptive	descriptive	ADJ
fsr-3164	94	5	statistics	statistic	NOUN
fsr-3164	94	6	on	on	ADP
fsr-3164	94	7	the	the	DET
fsr-3164	94	8	demographic	demographic	ADJ
fsr-3164	94	9	characteristics	characteristic	NOUN
fsr-3164	94	10	of	of	ADP
fsr-3164	94	11	the	the	DET
fsr-3164	94	12	full	full	ADJ
fsr-3164	94	13	sample	sample	NOUN
fsr-3164	94	14	.	.	PUNCT
fsr-3164	95	1	the	the	DET
fsr-3164	95	2	sample	sample	NOUN
fsr-3164	95	3	contained	contain	VERB
fsr-3164	95	4	about	about	ADP
fsr-3164	95	5	46	46	NUM
fsr-3164	95	6	%	%	NOUN
fsr-3164	95	7	male	male	NOUN
fsr-3164	95	8	,	,	PUNCT
fsr-3164	95	9	56	56	NUM
fsr-3164	95	10	%	%	NOUN
fsr-3164	95	11	married	married	ADJ
fsr-3164	95	12	,	,	PUNCT
fsr-3164	95	13	26	26	NUM
fsr-3164	95	14	%	%	NOUN
fsr-3164	95	15	single	single	ADJ
fsr-3164	95	16	,	,	PUNCT
fsr-3164	95	17	13	13	NUM
fsr-3164	95	18	%	%	NOUN
fsr-3164	95	19	divorced	divorce	VERB
fsr-3164	95	20	or	or	CCONJ
fsr-3164	95	21	separated	separate	VERB
fsr-3164	95	22	,	,	PUNCT
fsr-3164	95	23	and	and	CCONJ
fsr-3164	95	24	5	5	NUM
fsr-3164	95	25	%	%	NOUN
fsr-3164	95	26	widowed	widow	VERB
fsr-3164	95	27	.	.	PUNCT
fsr-3164	96	1	as	as	ADP
fsr-3164	96	2	for	for	ADP
fsr-3164	96	3	education	education	NOUN
fsr-3164	96	4	,	,	PUNCT
fsr-3164	96	5	around	around	ADV
fsr-3164	96	6	16	16	NUM
fsr-3164	96	7	%	%	NOUN
fsr-3164	96	8	had	have	VERB
fsr-3164	96	9	a	a	DET
fsr-3164	96	10	high	high	ADJ
fsr-3164	96	11	school	school	NOUN
fsr-3164	96	12	diploma	diploma	NOUN
fsr-3164	96	13	,	,	PUNCT
fsr-3164	96	14	33	33	NUM
fsr-3164	96	15	%	%	NOUN
fsr-3164	96	16	had	have	VERB
fsr-3164	96	17	some	some	DET
fsr-3164	96	18	college	college	NOUN
fsr-3164	96	19	education	education	NOUN
fsr-3164	96	20	,	,	PUNCT
fsr-3164	96	21	about	about	ADV
fsr-3164	96	22	23	23	NUM
fsr-3164	96	23	%	%	NOUN
fsr-3164	96	24	had	have	VERB
fsr-3164	96	25	a	a	DET
fsr-3164	96	26	college	college	NOUN
fsr-3164	96	27	degree	degree	NOUN
fsr-3164	96	28	only	only	ADV
fsr-3164	96	29	,	,	PUNCT
fsr-3164	96	30	and	and	CCONJ
fsr-3164	96	31	15	15	NUM
fsr-3164	96	32	%	%	NOUN
fsr-3164	96	33	had	have	VERB
fsr-3164	96	34	some	some	DET
fsr-3164	96	35	post	post	ADJ
fsr-3164	96	36	-	-	ADJ
fsr-3164	96	37	graduate	graduate	ADJ
fsr-3164	96	38	education	education	NOUN
fsr-3164	96	39	.	.	PUNCT
fsr-3164	97	1	about	about	ADV
fsr-3164	97	2	74	74	NUM
fsr-3164	97	3	%	%	NOUN
fsr-3164	97	4	of	of	ADP
fsr-3164	97	5	the	the	DET
fsr-3164	97	6	sample	sample	NOUN
fsr-3164	97	7	were	be	AUX
fsr-3164	97	8	white	white	ADJ
fsr-3164	97	9	,	,	PUNCT
fsr-3164	97	10	about	about	ADV
fsr-3164	97	11	7	7	NUM
fsr-3164	97	12	%	%	NOUN
fsr-3164	97	13	were	be	AUX
fsr-3164	97	14	self	self	NOUN
fsr-3164	97	15	-	-	PUNCT
fsr-3164	97	16	employed	employ	VERB
fsr-3164	97	17	,	,	PUNCT
fsr-3164	97	18	and	and	CCONJ
fsr-3164	97	19	3	3	NUM
fsr-3164	97	20	%	%	NOUN
fsr-3164	97	21	were	be	AUX
fsr-3164	97	22	looking	look	VERB
fsr-3164	97	23	for	for	ADP
fsr-3164	97	24	a	a	DET
fsr-3164	97	25	job	job	NOUN
fsr-3164	97	26	that	that	PRON
fsr-3164	97	27	is	be	AUX
fsr-3164	97	28	,	,	PUNCT
fsr-3164	97	29	unemployed	unemployed	ADJ
fsr-3164	97	30	.	.	PUNCT
fsr-3164	98	1	about	about	ADV
fsr-3164	98	2	one	one	NUM
fsr-3164	98	3	-	-	PUNCT
fsr-3164	98	4	third	third	NOUN
fsr-3164	98	5	of	of	ADP
fsr-3164	98	6	the	the	DET
fsr-3164	98	7	sample	sample	NOUN
fsr-3164	98	8	earned	earn	VERB
fsr-3164	98	9	annual	annual	ADJ
fsr-3164	98	10	income	income	NOUN
fsr-3164	98	11	below	below	ADP
fsr-3164	98	12	$	$	SYM
fsr-3164	98	13	75,000	75,000	NUM
fsr-3164	98	14	,	,	PUNCT
fsr-3164	98	15	and	and	CCONJ
fsr-3164	98	16	about	about	ADV
fsr-3164	98	17	22	22	NUM
fsr-3164	98	18	%	%	NOUN
fsr-3164	98	19	of	of	ADP
fsr-3164	98	20	the	the	DET
fsr-3164	98	21	sample	sample	NOUN
fsr-3164	98	22	were	be	AUX
fsr-3164	98	23	making	make	VERB
fsr-3164	98	24	more	more	ADJ
fsr-3164	98	25	than	than	ADP
fsr-3164	98	26	$	$	SYM
fsr-3164	98	27	100,000	100,000	NUM
fsr-3164	98	28	a	a	DET
fsr-3164	98	29	year	year	NOUN
fsr-3164	98	30	.	.	PUNCT
fsr-3164	99	1	to	to	PART
fsr-3164	99	2	incorporate	incorporate	VERB
fsr-3164	99	3	the	the	DET
fsr-3164	99	4	generational	generational	ADJ
fsr-3164	99	5	differences	difference	NOUN
fsr-3164	99	6	in	in	ADP
fsr-3164	99	7	the	the	DET
fsr-3164	99	8	adoption	adoption	NOUN
fsr-3164	99	9	and	and	CCONJ
fsr-3164	99	10	use	use	NOUN
fsr-3164	99	11	of	of	ADP
fsr-3164	99	12	technology	technology	NOUN
fsr-3164	99	13	,	,	PUNCT
fsr-3164	99	14	the	the	DET
fsr-3164	99	15	sample	sample	NOUN
fsr-3164	99	16	is	be	AUX
fsr-3164	99	17	grouped	group	VERB
fsr-3164	99	18	into	into	ADP
fsr-3164	99	19	four	four	NUM
fsr-3164	99	20	age	age	NOUN
fsr-3164	99	21	groups	group	NOUN
fsr-3164	99	22	.	.	PUNCT
fsr-3164	100	1	the	the	DET
fsr-3164	100	2	youngest	young	ADJ
fsr-3164	100	3	adult	adult	NOUN
fsr-3164	100	4	group	group	NOUN
fsr-3164	100	5	in	in	ADP
fsr-3164	100	6	the	the	DET
fsr-3164	100	7	sample	sample	NOUN
fsr-3164	100	8	belongs	belong	VERB
fsr-3164	100	9	to	to	ADP
fsr-3164	100	10	gen	gen	PROPN
fsr-3164	100	11	z	z	PROPN
fsr-3164	100	12	,	,	PUNCT
fsr-3164	100	13	who	who	PRON
fsr-3164	100	14	were	be	AUX
fsr-3164	100	15	born	bear	VERB
fsr-3164	100	16	between	between	ADP
fsr-3164	100	17	1994	1994	NUM
fsr-3164	100	18	and	and	CCONJ
fsr-3164	100	19	2000	2000	NUM
fsr-3164	100	20	.	.	PUNCT
fsr-3164	101	1	millennials	millennial	NOUN
fsr-3164	101	2	or	or	CCONJ
fsr-3164	101	3	gen	gen	PROPN
fsr-3164	101	4	y	y	PROPN
fsr-3164	101	5	are	be	AUX
fsr-3164	101	6	those	those	PRON
fsr-3164	101	7	born	bear	VERB
fsr-3164	101	8	between	between	ADP
fsr-3164	101	9	1993	1993	NUM
fsr-3164	101	10	and	and	CCONJ
fsr-3164	101	11	1984	1984	NUM
fsr-3164	101	12	,	,	PUNCT
fsr-3164	101	13	the	the	DET
fsr-3164	101	14	youngest	youngest	ADV
fsr-3164	101	15	being	be	AUX
fsr-3164	101	16	25	25	NUM
fsr-3164	101	17	years	year	NOUN
fsr-3164	101	18	old	old	ADJ
fsr-3164	101	19	and	and	CCONJ
fsr-3164	101	20	the	the	DET
fsr-3164	101	21	oldest	old	ADJ
fsr-3164	101	22	being	be	AUX
fsr-3164	101	23	34	34	NUM
fsr-3164	101	24	years	year	NOUN
fsr-3164	101	25	old	old	ADJ
fsr-3164	101	26	as	as	ADP
fsr-3164	101	27	of	of	ADP
fsr-3164	101	28	2018	2018	NUM
fsr-3164	101	29	.	.	PUNCT
fsr-3164	102	1	those	those	PRON
fsr-3164	102	2	who	who	PRON
fsr-3164	102	3	were	be	AUX
fsr-3164	102	4	born	bear	VERB
fsr-3164	102	5	between	between	ADP
fsr-3164	102	6	1983	1983	NUM
fsr-3164	102	7	and	and	CCONJ
fsr-3164	102	8	1964	1964	NUM
fsr-3164	102	9	belong	belong	VERB
fsr-3164	102	10	to	to	ADP
fsr-3164	102	11	the	the	DET
fsr-3164	102	12	gen	gen	PROPN
fsr-3164	102	13	x	x	NOUN
fsr-3164	102	14	generation	generation	NOUN
fsr-3164	102	15	,	,	PUNCT
fsr-3164	102	16	the	the	DET
fsr-3164	102	17	youngest	youngest	ADV
fsr-3164	102	18	being	be	AUX
fsr-3164	102	19	35	35	NUM
fsr-3164	102	20	years	year	NOUN
fsr-3164	102	21	and	and	CCONJ
fsr-3164	102	22	the	the	DET
fsr-3164	102	23	oldest	old	ADJ
fsr-3164	102	24	being	be	AUX
fsr-3164	102	25	54	54	NUM
fsr-3164	102	26	years	year	NOUN
fsr-3164	102	27	old	old	ADJ
fsr-3164	102	28	.	.	PUNCT
fsr-3164	103	1	the	the	DET
fsr-3164	103	2	oldest	old	ADJ
fsr-3164	103	3	generation	generation	NOUN
fsr-3164	103	4	in	in	ADP
fsr-3164	103	5	our	our	PRON
fsr-3164	103	6	sample	sample	NOUN
fsr-3164	103	7	is	be	AUX
fsr-3164	103	8	baby	baby	NOUN
fsr-3164	103	9	boomers	boomer	NOUN
fsr-3164	103	10	who	who	PRON
fsr-3164	103	11	were	be	AUX
fsr-3164	103	12	at	at	ADP
fsr-3164	103	13	least	least	ADV
fsr-3164	103	14	55	55	NUM
fsr-3164	103	15	years	year	NOUN
fsr-3164	103	16	old	old	ADJ
fsr-3164	103	17	as	as	ADP
fsr-3164	103	18	of	of	ADP
fsr-3164	103	19	2018.3	2018.3	NUM
fsr-3164	103	20	the	the	DET
fsr-3164	103	21	generational	generational	ADJ
fsr-3164	103	22	composition	composition	NOUN
fsr-3164	103	23	of	of	ADP
fsr-3164	103	24	our	our	PRON
fsr-3164	103	25	sample	sample	NOUN
fsr-3164	103	26	is	be	AUX
fsr-3164	103	27	as	as	SCONJ
fsr-3164	103	28	follows	follow	VERB
fsr-3164	103	29	,	,	PUNCT
fsr-3164	103	30	about	about	ADV
fsr-3164	103	31	7	7	NUM
fsr-3164	103	32	%	%	NOUN
fsr-3164	103	33	gen	gen	PROPN
fsr-3164	103	34	z	z	PROPN
fsr-3164	103	35	,	,	PUNCT
fsr-3164	103	36	16	16	NUM
fsr-3164	103	37	%	%	NOUN
fsr-3164	103	38	millennials	millennial	NOUN
fsr-3164	103	39	or	or	CCONJ
fsr-3164	103	40	gen	gen	PROPN
fsr-3164	103	41	y	y	PROPN
fsr-3164	103	42	,	,	PUNCT
fsr-3164	103	43	35	35	NUM
fsr-3164	103	44	%	%	NOUN
fsr-3164	103	45	gen	gen	PROPN
fsr-3164	103	46	x	x	NOUN
fsr-3164	103	47	,	,	PUNCT
fsr-3164	103	48	and	and	CCONJ
fsr-3164	103	49	43	43	NUM
fsr-3164	103	50	%	%	NOUN
fsr-3164	103	51	baby	baby	NOUN
fsr-3164	103	52	boomers	boomer	NOUN
fsr-3164	103	53	.	.	PUNCT
fsr-3164	104	1	table	table	NOUN
fsr-3164	104	2	1	1	NUM
fsr-3164	104	3	also	also	ADV
fsr-3164	104	4	breaks	break	VERB
fsr-3164	104	5	the	the	DET
fsr-3164	104	6	sample	sample	NOUN
fsr-3164	104	7	into	into	ADP
fsr-3164	104	8	two	two	NUM
fsr-3164	104	9	groups	group	NOUN
fsr-3164	104	10	,	,	PUNCT
fsr-3164	104	11	tech	tech	NOUN
fsr-3164	104	12	-	-	PUNCT
fsr-3164	104	13	savvy	savvy	ADJ
fsr-3164	104	14	respondents	respondent	NOUN
fsr-3164	104	15	and	and	CCONJ
fsr-3164	104	16	non	non	ADJ
fsr-3164	104	17	-	-	ADJ
fsr-3164	104	18	tech	tech	ADJ
fsr-3164	104	19	–	–	PUNCT
fsr-3164	104	20	savvy	savvy	ADJ
fsr-3164	104	21	respondents	respondent	NOUN
fsr-3164	104	22	.	.	PUNCT
fsr-3164	105	1	a	a	DET
fsr-3164	105	2	two	two	NUM
fsr-3164	105	3	-	-	PUNCT
fsr-3164	105	4	sample	sample	NOUN
fsr-3164	105	5	t	t	NOUN
fsr-3164	105	6	test	test	NOUN
fsr-3164	105	7	is	be	AUX
fsr-3164	105	8	used	use	VERB
fsr-3164	105	9	to	to	PART
fsr-3164	105	10	determine	determine	VERB
fsr-3164	105	11	if	if	SCONJ
fsr-3164	105	12	there	there	PRON
fsr-3164	105	13	is	be	VERB
fsr-3164	105	14	a	a	DET
fsr-3164	105	15	significant	significant	ADJ
fsr-3164	105	16	a.	a.	NOUN
fsr-3164	105	17	mussa	mussa	NOUN
fsr-3164	105	18	et	et	PROPN
fsr-3164	105	19	al	al	PROPN
fsr-3164	105	20	.	.	PUNCT
fsr-3164	105	21	/	/	SYM
fsr-3164	105	22	financial	financial	ADJ
fsr-3164	105	23	services	service	NOUN
fsr-3164	105	24	review	review	VERB
fsr-3164	105	25	30	30	NUM
fsr-3164	105	26	(	(	PUNCT
fsr-3164	105	27	2022	2022	NUM
fsr-3164	105	28	)	)	PUNCT
fsr-3164	106	1	273–296	273–296	NUM
fsr-3164	106	2	277	277	NUM
fsr-3164	106	3	t	t	PROPN
fsr-3164	106	4	ab	ab	PROPN
fsr-3164	106	5	le	le	PROPN
fsr-3164	106	6	1	1	PROPN
fsr-3164	106	7	d	d	PROPN
fsr-3164	106	8	es	es	ADP
fsr-3164	106	9	cr	cr	ADP
fsr-3164	106	10	ip	ip	PROPN
fsr-3164	106	11	ti	ti	PROPN
fsr-3164	106	12	v	v	ADP
fsr-3164	106	13	e	e	PROPN
fsr-3164	106	14	st	st	PROPN
fsr-3164	106	15	at	at	ADP
fsr-3164	106	16	is	be	AUX
fsr-3164	106	17	ti	ti	X
fsr-3164	106	18	cs	cs	ADJ
fsr-3164	106	19	o	o	NOUN
fsr-3164	106	20	f	f	PROPN
fsr-3164	107	1	d	d	X
fsr-3164	107	2	em	em	PRON
fsr-3164	107	3	o	o	INTJ
fsr-3164	108	1	g	g	NOUN
fsr-3164	108	2	ra	ra	PROPN
fsr-3164	109	1	p	p	NOUN
fsr-3164	109	2	h	h	NOUN
fsr-3164	109	3	ic	ic	PROPN
fsr-3164	109	4	v	v	PROPN
fsr-3164	109	5	ar	ar	PROPN
fsr-3164	109	6	ia	ia	PROPN
fsr-3164	109	7	b	b	PROPN
fsr-3164	109	8	le	le	PROPN
fsr-3164	109	9	s	s	PROPN
fsr-3164	109	10	v	v	PROPN
fsr-3164	109	11	ar	ar	PROPN
fsr-3164	109	12	ia	ia	PROPN
fsr-3164	109	13	b	b	PROPN
fsr-3164	109	14	le	le	X
fsr-3164	109	15	s	s	PROPN
fsr-3164	109	16	f	f	NOUN
fsr-3164	109	17	u	u	NOUN
fsr-3164	109	18	ll	ll	AUX
fsr-3164	109	19	sa	sa	VERB
fsr-3164	109	20	m	m	PROPN
fsr-3164	109	21	p	p	X
fsr-3164	109	22	le	le	X
fsr-3164	109	23	t	t	PROPN
fsr-3164	109	24	ec	ec	PROPN
fsr-3164	110	1	h	h	NOUN
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fsr-3164	174	2	0	0	PUNCT
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fsr-3164	174	4	5	5	NUM
fsr-3164	174	5	3	3	NUM
fsr-3164	174	6	0	0	NUM
fsr-3164	174	7	.3	.3	NUM
fsr-3164	174	8	6	6	NUM
fsr-3164	174	9	0	0	NUM
fsr-3164	174	10	0	0	NUM
fsr-3164	174	11	.1	.1	NUM
fsr-3164	174	12	7	7	NUM
fsr-3164	174	13	2	2	NUM
fsr-3164	174	14	0	0	NUM
fsr-3164	174	15	.3	.3	NUM
fsr-3164	174	16	7	7	NUM
fsr-3164	174	17	7	7	NUM
fsr-3164	174	18	0	0	NUM
fsr-3164	174	19	0	0	NUM
fsr-3164	174	20	.1	.1	NUM
fsr-3164	175	1	4	4	NUM
fsr-3164	175	2	3	3	NUM
fsr-3164	175	3	0	0	NUM
fsr-3164	175	4	.3	.3	NUM
fsr-3164	175	5	5	5	NUM
fsr-3164	175	6	0	0	NUM
fsr-3164	175	7	0	0	NUM
fsr-3164	175	8	�	�	PROPN
fsr-3164	175	9	5	5	NUM
fsr-3164	175	10	.3	.3	NUM
fsr-3164	175	11	3	3	NUM
fsr-3164	175	12	2	2	NUM
fsr-3164	175	13	8	8	NUM
fsr-3164	175	14	0	0	NUM
fsr-3164	175	15	.0	.0	NUM
fsr-3164	175	16	0	0	NUM
fsr-3164	175	17	0	0	NUM
fsr-3164	175	18	$	$	SYM
fsr-3164	175	19	1	1	NUM
fsr-3164	175	20	0	0	NUM
fsr-3164	175	21	0	0	NUM
fsr-3164	176	1	k	k	PRON
fsr-3164	176	2	an	an	DET
fsr-3164	176	3	d	d	X
fsr-3164	176	4	m	m	NOUN
fsr-3164	176	5	o	o	NOUN
fsr-3164	176	6	re	re	ADP
fsr-3164	176	7	0	0	NUM
fsr-3164	177	1	.2	.2	NUM
fsr-3164	177	2	2	2	NUM
fsr-3164	177	3	1	1	NUM
fsr-3164	177	4	4	4	NUM
fsr-3164	177	5	0	0	NUM
fsr-3164	177	6	.4	.4	NUM
fsr-3164	177	7	1	1	NUM
fsr-3164	177	8	5	5	NUM
fsr-3164	177	9	0	0	NUM
fsr-3164	177	10	.2	.2	NUM
fsr-3164	177	11	4	4	NUM
fsr-3164	177	12	2	2	NUM
fsr-3164	177	13	0	0	NUM
fsr-3164	177	14	.4	.4	NUM
fsr-3164	177	15	2	2	NUM
fsr-3164	177	16	8	8	NUM
fsr-3164	177	17	4	4	NUM
fsr-3164	177	18	0	0	NUM
fsr-3164	178	1	.2	.2	NUM
fsr-3164	178	2	1	1	NUM
fsr-3164	178	3	0	0	NUM
fsr-3164	178	4	0	0	NUM
fsr-3164	179	1	.4	.4	NUM
fsr-3164	179	2	0	0	NUM
fsr-3164	179	3	7	7	NUM
fsr-3164	179	4	5	5	NUM
fsr-3164	179	5	�	�	PROPN
fsr-3164	179	6	5	5	NUM
fsr-3164	179	7	.1	.1	NUM
fsr-3164	179	8	6	6	NUM
fsr-3164	179	9	6	6	NUM
fsr-3164	179	10	6	6	NUM
fsr-3164	179	11	0	0	NUM
fsr-3164	179	12	.0	.0	NUM
fsr-3164	179	13	0	0	NUM
fsr-3164	179	14	0	0	NUM
fsr-3164	179	15	u	u	NOUN
fsr-3164	179	16	n	n	CCONJ
fsr-3164	179	17	em	em	PRON
fsr-3164	179	18	p	p	PROPN
fsr-3164	180	1	lo	lo	PROPN
fsr-3164	180	2	y	y	PROPN
fsr-3164	180	3	ed	ed	NOUN
fsr-3164	180	4	0	0	NUM
fsr-3164	180	5	.0	.0	NUM
fsr-3164	180	6	3	3	NUM
fsr-3164	180	7	4	4	NUM
fsr-3164	180	8	3	3	NUM
fsr-3164	180	9	0	0	NUM
fsr-3164	180	10	.1	.1	NUM
fsr-3164	180	11	8	8	NUM
fsr-3164	180	12	2	2	NUM
fsr-3164	180	13	0	0	NUM
fsr-3164	180	14	.0	.0	NUM
fsr-3164	180	15	3	3	NUM
fsr-3164	180	16	3	3	NUM
fsr-3164	180	17	0	0	NUM
fsr-3164	180	18	.1	.1	NUM
fsr-3164	180	19	7	7	NUM
fsr-3164	180	20	8	8	NUM
fsr-3164	180	21	1	1	NUM
fsr-3164	180	22	0	0	NUM
fsr-3164	180	23	.0	.0	NUM
fsr-3164	180	24	3	3	NUM
fsr-3164	180	25	5	5	NUM
fsr-3164	180	26	0	0	NUM
fsr-3164	180	27	.1	.1	NUM
fsr-3164	180	28	8	8	NUM
fsr-3164	180	29	4	4	NUM
fsr-3164	180	30	2	2	NUM
fsr-3164	180	31	0	0	NUM
fsr-3164	180	32	.8	.8	NUM
fsr-3164	180	33	7	7	NUM
fsr-3164	180	34	2	2	NUM
fsr-3164	180	35	2	2	NUM
fsr-3164	180	36	0	0	NUM
fsr-3164	180	37	.3	.3	NUM
fsr-3164	180	38	8	8	NUM
fsr-3164	180	39	3	3	NUM
fsr-3164	180	40	278	278	NUM
fsr-3164	180	41	a.	a.	NOUN
fsr-3164	180	42	mussa	mussa	NOUN
fsr-3164	180	43	et	et	PROPN
fsr-3164	180	44	al	al	PROPN
fsr-3164	180	45	.	.	PUNCT
fsr-3164	180	46	/	/	SYM
fsr-3164	180	47	financial	financial	ADJ
fsr-3164	180	48	services	service	NOUN
fsr-3164	180	49	review	review	VERB
fsr-3164	180	50	30	30	NUM
fsr-3164	180	51	(	(	PUNCT
fsr-3164	180	52	2022	2022	NUM
fsr-3164	180	53	)	)	PUNCT
fsr-3164	180	54	273–296	273–296	NUM
fsr-3164	180	55	difference	difference	NOUN
fsr-3164	180	56	between	between	ADP
fsr-3164	180	57	the	the	DET
fsr-3164	180	58	means	mean	NOUN
fsr-3164	180	59	of	of	ADP
fsr-3164	180	60	the	the	DET
fsr-3164	180	61	two	two	NUM
fsr-3164	180	62	groups	group	NOUN
fsr-3164	180	63	.	.	PUNCT
fsr-3164	181	1	the	the	DET
fsr-3164	181	2	results	result	NOUN
fsr-3164	181	3	show	show	VERB
fsr-3164	181	4	that	that	SCONJ
fsr-3164	181	5	the	the	DET
fsr-3164	181	6	mean	mean	NOUN
fsr-3164	181	7	of	of	ADP
fsr-3164	181	8	the	the	DET
fsr-3164	181	9	majority	majority	NOUN
fsr-3164	181	10	of	of	ADP
fsr-3164	181	11	the	the	DET
fsr-3164	181	12	variables	variable	NOUN
fsr-3164	181	13	,	,	PUNCT
fsr-3164	181	14	listed	list	VERB
fsr-3164	181	15	in	in	ADP
fsr-3164	181	16	table	table	NOUN
fsr-3164	181	17	1	1	NUM
fsr-3164	181	18	,	,	PUNCT
fsr-3164	181	19	are	be	AUX
fsr-3164	181	20	significantly	significantly	ADV
fsr-3164	181	21	different	different	ADJ
fsr-3164	181	22	.	.	PUNCT
fsr-3164	182	1	we	we	PRON
fsr-3164	182	2	computed	compute	VERB
fsr-3164	182	3	two	two	NUM
fsr-3164	182	4	measures	measure	NOUN
fsr-3164	182	5	of	of	ADP
fsr-3164	182	6	financial	financial	ADJ
fsr-3164	182	7	behavior	behavior	NOUN
fsr-3164	182	8	:	:	PUNCT
fsr-3164	182	9	short	short	ADJ
fsr-3164	182	10	term	term	NOUN
fsr-3164	182	11	and	and	CCONJ
fsr-3164	182	12	long	long	ADJ
fsr-3164	182	13	term	term	NOUN
fsr-3164	182	14	.	.	PUNCT
fsr-3164	183	1	the	the	DET
fsr-3164	183	2	shortterm	shortterm	PROPN
fsr-3164	183	3	financial	financial	ADJ
fsr-3164	183	4	behavior	behavior	NOUN
fsr-3164	183	5	involves	involve	VERB
fsr-3164	183	6	money	money	NOUN
fsr-3164	183	7	or	or	CCONJ
fsr-3164	183	8	credit	credit	NOUN
fsr-3164	183	9	management	management	NOUN
fsr-3164	183	10	behavior	behavior	NOUN
fsr-3164	183	11	that	that	PRON
fsr-3164	183	12	includes	include	VERB
fsr-3164	183	13	timely	timely	ADJ
fsr-3164	183	14	payments	payment	NOUN
fsr-3164	183	15	of	of	ADP
fsr-3164	183	16	bills	bill	NOUN
fsr-3164	183	17	each	each	DET
fsr-3164	183	18	month	month	NOUN
fsr-3164	183	19	,	,	PUNCT
fsr-3164	183	20	managing	manage	VERB
fsr-3164	183	21	checking	check	VERB
fsr-3164	183	22	accounts	account	NOUN
fsr-3164	183	23	to	to	PART
fsr-3164	183	24	avoid	avoid	VERB
fsr-3164	183	25	overdrafts	overdraft	NOUN
fsr-3164	183	26	,	,	PUNCT
fsr-3164	183	27	paying	pay	VERB
fsr-3164	183	28	off	off	ADP
fsr-3164	183	29	credit	credit	NOUN
fsr-3164	183	30	card	card	NOUN
fsr-3164	183	31	balances	balance	NOUN
fsr-3164	183	32	,	,	PUNCT
fsr-3164	183	33	and	and	CCONJ
fsr-3164	183	34	making	make	VERB
fsr-3164	183	35	timely	timely	ADJ
fsr-3164	183	36	payments	payment	NOUN
fsr-3164	183	37	to	to	ADP
fsr-3164	183	38	mortgages	mortgage	NOUN
fsr-3164	183	39	.	.	PUNCT
fsr-3164	184	1	the	the	DET
fsr-3164	184	2	long	long	ADJ
fsr-3164	184	3	-	-	PUNCT
fsr-3164	184	4	term	term	NOUN
fsr-3164	184	5	financial	financial	ADJ
fsr-3164	184	6	behavior	behavior	NOUN
fsr-3164	184	7	is	be	AUX
fsr-3164	184	8	reflected	reflect	VERB
fsr-3164	184	9	by	by	ADP
fsr-3164	184	10	saving	save	VERB
fsr-3164	184	11	and	and	CCONJ
fsr-3164	184	12	investment	investment	NOUN
fsr-3164	184	13	(	(	PUNCT
fsr-3164	184	14	retirement	retirement	NOUN
fsr-3164	184	15	and	and	CCONJ
fsr-3164	184	16	non	non	ADJ
fsr-3164	184	17	-	-	NOUN
fsr-3164	184	18	retirement	retirement	ADJ
fsr-3164	184	19	)	)	PUNCT
fsr-3164	184	20	decisions	decision	NOUN
fsr-3164	184	21	that	that	PRON
fsr-3164	184	22	normally	normally	ADV
fsr-3164	184	23	require	require	VERB
fsr-3164	184	24	long	long	ADJ
fsr-3164	184	25	-	-	PUNCT
fsr-3164	184	26	term	term	NOUN
fsr-3164	184	27	planning	planning	NOUN
fsr-3164	184	28	(	(	PUNCT
fsr-3164	184	29	asaad	asaad	NOUN
fsr-3164	184	30	2015	2015	NUM
fsr-3164	184	31	;	;	PUNCT
fsr-3164	184	32	wagner	wagner	PROPN
fsr-3164	184	33	&	&	CCONJ
fsr-3164	184	34	walstad	walstad	PROPN
fsr-3164	184	35	,	,	PUNCT
fsr-3164	184	36	2019	2019	NUM
fsr-3164	184	37	)	)	PUNCT
fsr-3164	184	38	.	.	PUNCT
fsr-3164	185	1	in	in	ADP
fsr-3164	185	2	this	this	DET
fsr-3164	185	3	paper	paper	NOUN
fsr-3164	185	4	,	,	PUNCT
fsr-3164	185	5	the	the	DET
fsr-3164	185	6	short	short	ADJ
fsr-3164	185	7	-	-	PUNCT
fsr-3164	185	8	term	term	NOUN
fsr-3164	185	9	financial	financial	ADJ
fsr-3164	185	10	behavior	behavior	NOUN
fsr-3164	185	11	variable	variable	NOUN
fsr-3164	185	12	is	be	AUX
fsr-3164	185	13	created	create	VERB
fsr-3164	185	14	based	base	VERB
fsr-3164	185	15	on	on	ADP
fsr-3164	185	16	the	the	DET
fsr-3164	185	17	individual	individual	ADJ
fsr-3164	185	18	and	and	CCONJ
fsr-3164	185	19	aggregate	aggregate	ADJ
fsr-3164	185	20	responses	response	NOUN
fsr-3164	185	21	to	to	ADP
fsr-3164	185	22	the	the	DET
fsr-3164	185	23	three	three	NUM
fsr-3164	185	24	survey	survey	NOUN
fsr-3164	185	25	questions	question	NOUN
fsr-3164	185	26	that	that	PRON
fsr-3164	185	27	asked	ask	VERB
fsr-3164	185	28	if	if	SCONJ
fsr-3164	185	29	the	the	DET
fsr-3164	185	30	respondent	respondent	NOUN
fsr-3164	185	31	:	:	PUNCT
fsr-3164	185	32	(	(	PUNCT
fsr-3164	185	33	1	1	X
fsr-3164	185	34	)	)	PUNCT
fsr-3164	185	35	always	always	ADV
fsr-3164	185	36	paid	pay	VERB
fsr-3164	185	37	off	off	ADP
fsr-3164	185	38	a	a	DET
fsr-3164	185	39	credit	credit	NOUN
fsr-3164	185	40	card	card	NOUN
fsr-3164	185	41	bill	bill	NOUN
fsr-3164	185	42	in	in	ADP
fsr-3164	185	43	full	full	ADJ
fsr-3164	185	44	,	,	PUNCT
fsr-3164	185	45	(	(	PUNCT
fsr-3164	185	46	2	2	X
fsr-3164	185	47	)	)	PUNCT
fsr-3164	185	48	spent	spend	VERB
fsr-3164	185	49	less	less	ADJ
fsr-3164	185	50	than	than	ADP
fsr-3164	185	51	or	or	CCONJ
fsr-3164	185	52	equal	equal	ADJ
fsr-3164	185	53	to	to	ADP
fsr-3164	185	54	his	his	PRON
fsr-3164	185	55	or	or	CCONJ
fsr-3164	185	56	her	her	PRON
fsr-3164	185	57	income	income	NOUN
fsr-3164	185	58	,	,	PUNCT
fsr-3164	185	59	and	and	CCONJ
fsr-3164	185	60	(	(	PUNCT
fsr-3164	185	61	3	3	X
fsr-3164	185	62	)	)	PUNCT
fsr-3164	185	63	overdrew	overdraw	VERB
fsr-3164	185	64	his	his	PRON
fsr-3164	185	65	or	or	CCONJ
fsr-3164	185	66	her	her	PRON
fsr-3164	185	67	checking	check	VERB
fsr-3164	185	68	account	account	NOUN
fsr-3164	185	69	occasionally	occasionally	ADV
fsr-3164	185	70	.	.	PUNCT
fsr-3164	186	1	if	if	SCONJ
fsr-3164	186	2	the	the	DET
fsr-3164	186	3	respondent	respondent	NOUN
fsr-3164	186	4	answered	answer	VERB
fsr-3164	186	5	“	"	PUNCT
fsr-3164	186	6	yes	yes	INTJ
fsr-3164	186	7	”	"	PUNCT
fsr-3164	186	8	to	to	ADP
fsr-3164	186	9	each	each	PRON
fsr-3164	186	10	of	of	ADP
fsr-3164	186	11	the	the	DET
fsr-3164	186	12	questions	question	NOUN
fsr-3164	186	13	,	,	PUNCT
fsr-3164	186	14	a	a	DET
fsr-3164	186	15	separate	separate	ADJ
fsr-3164	186	16	individual	individual	ADJ
fsr-3164	186	17	measure	measure	NOUN
fsr-3164	186	18	of	of	ADP
fsr-3164	186	19	short	short	ADJ
fsr-3164	186	20	-	-	PUNCT
fsr-3164	186	21	term	term	NOUN
fsr-3164	186	22	financial	financial	ADJ
fsr-3164	186	23	behavior	behavior	NOUN
fsr-3164	186	24	is	be	AUX
fsr-3164	186	25	coded	code	VERB
fsr-3164	186	26	“	"	PUNCT
fsr-3164	186	27	1	1	NUM
fsr-3164	186	28	,	,	PUNCT
fsr-3164	186	29	”	"	PUNCT
fsr-3164	186	30	and	and	CCONJ
fsr-3164	186	31	otherwise	otherwise	ADV
fsr-3164	186	32	“	"	PUNCT
fsr-3164	186	33	0	0	NUM
fsr-3164	186	34	.	.	PUNCT
fsr-3164	186	35	”	"	PUNCT
fsr-3164	187	1	the	the	DET
fsr-3164	187	2	overall	overall	ADJ
fsr-3164	187	3	measure	measure	NOUN
fsr-3164	187	4	of	of	ADP
fsr-3164	187	5	short	short	ADJ
fsr-3164	187	6	-	-	PUNCT
fsr-3164	187	7	term	term	NOUN
fsr-3164	187	8	financial	financial	ADJ
fsr-3164	187	9	behavior	behavior	NOUN
fsr-3164	187	10	is	be	AUX
fsr-3164	187	11	constructed	construct	VERB
fsr-3164	187	12	by	by	ADP
fsr-3164	187	13	adding	add	VERB
fsr-3164	187	14	the	the	DET
fsr-3164	187	15	three	three	NUM
fsr-3164	187	16	individual	individual	ADJ
fsr-3164	187	17	measures	measure	NOUN
fsr-3164	187	18	with	with	ADP
fsr-3164	187	19	an	an	DET
fsr-3164	187	20	average	average	NOUN
fsr-3164	187	21	of	of	ADP
fsr-3164	187	22	2.05	2.05	NUM
fsr-3164	187	23	.	.	PUNCT
fsr-3164	188	1	a	a	DET
fsr-3164	188	2	binary	binary	ADJ
fsr-3164	188	3	dependent	dependent	ADJ
fsr-3164	188	4	variable	variable	NOUN
fsr-3164	188	5	of	of	ADP
fsr-3164	188	6	short	short	ADJ
fsr-3164	188	7	-	-	PUNCT
fsr-3164	188	8	term	term	NOUN
fsr-3164	188	9	financial	financial	ADJ
fsr-3164	188	10	behavior	behavior	NOUN
fsr-3164	188	11	—	—	PUNCT
fsr-3164	188	12	is	be	AUX
fsr-3164	188	13	created	create	VERB
fsr-3164	188	14	and	and	CCONJ
fsr-3164	188	15	assigned	assign	VERB
fsr-3164	188	16	“	"	PUNCT
fsr-3164	188	17	1	1	NUM
fsr-3164	188	18	”	"	PUNCT
fsr-3164	188	19	if	if	SCONJ
fsr-3164	188	20	the	the	DET
fsr-3164	188	21	overall	overall	ADJ
fsr-3164	188	22	measure	measure	NOUN
fsr-3164	188	23	is	be	AUX
fsr-3164	188	24	above	above	ADP
fsr-3164	188	25	the	the	DET
fsr-3164	188	26	average	average	NOUN
fsr-3164	188	27	,	,	PUNCT
fsr-3164	188	28	2.05	2.05	NUM
fsr-3164	188	29	;	;	PUNCT
fsr-3164	188	30	otherwise	otherwise	ADV
fsr-3164	188	31	,	,	PUNCT
fsr-3164	188	32	“	"	PUNCT
fsr-3164	188	33	0	0	X
fsr-3164	188	34	.	.	PUNCT
fsr-3164	188	35	”	"	PUNCT
fsr-3164	189	1	that	that	PRON
fsr-3164	189	2	means	mean	VERB
fsr-3164	189	3	if	if	SCONJ
fsr-3164	189	4	the	the	DET
fsr-3164	189	5	respondents	respondent	NOUN
fsr-3164	189	6	claimed	claim	VERB
fsr-3164	189	7	yes	yes	INTJ
fsr-3164	189	8	to	to	ADP
fsr-3164	189	9	all	all	DET
fsr-3164	189	10	three	three	NUM
fsr-3164	189	11	of	of	ADP
fsr-3164	189	12	these	these	DET
fsr-3164	189	13	behaviors	behavior	NOUN
fsr-3164	189	14	,	,	PUNCT
fsr-3164	189	15	they	they	PRON
fsr-3164	189	16	were	be	AUX
fsr-3164	189	17	assumed	assume	VERB
fsr-3164	189	18	to	to	PART
fsr-3164	189	19	have	have	VERB
fsr-3164	189	20	good	good	ADJ
fsr-3164	189	21	or	or	CCONJ
fsr-3164	189	22	strong	strong	ADJ
fsr-3164	189	23	short	short	ADJ
fsr-3164	189	24	-	-	PUNCT
fsr-3164	189	25	term	term	NOUN
fsr-3164	189	26	financial	financial	ADJ
fsr-3164	189	27	behavior	behavior	NOUN
fsr-3164	189	28	.	.	PUNCT
fsr-3164	190	1	alternatively	alternatively	ADV
fsr-3164	190	2	,	,	PUNCT
fsr-3164	190	3	each	each	PRON
fsr-3164	190	4	of	of	ADP
fsr-3164	190	5	the	the	DET
fsr-3164	190	6	three	three	NUM
fsr-3164	190	7	individual	individual	ADJ
fsr-3164	190	8	measures	measure	NOUN
fsr-3164	190	9	is	be	AUX
fsr-3164	190	10	used	use	VERB
fsr-3164	190	11	separately	separately	ADV
fsr-3164	190	12	as	as	ADP
fsr-3164	190	13	a	a	DET
fsr-3164	190	14	measure	measure	NOUN
fsr-3164	190	15	of	of	ADP
fsr-3164	190	16	shortterm	shortterm	PROPN
fsr-3164	190	17	financial	financial	ADJ
fsr-3164	190	18	behavior	behavior	NOUN
fsr-3164	190	19	.	.	PUNCT
fsr-3164	191	1	as	as	SCONJ
fsr-3164	191	2	reported	report	VERB
fsr-3164	191	3	in	in	ADP
fsr-3164	191	4	table	table	NOUN
fsr-3164	191	5	2	2	NUM
fsr-3164	191	6	,	,	PUNCT
fsr-3164	191	7	about	about	ADV
fsr-3164	191	8	79	79	NUM
fsr-3164	191	9	%	%	NOUN
fsr-3164	191	10	of	of	ADP
fsr-3164	191	11	the	the	DET
fsr-3164	191	12	respondents	respondent	NOUN
fsr-3164	191	13	had	have	AUX
fsr-3164	191	14	never	never	ADV
fsr-3164	191	15	over	over	ADV
fsr-3164	191	16	drafted	draft	VERB
fsr-3164	191	17	their	their	PRON
fsr-3164	191	18	checking	checking	NOUN
fsr-3164	191	19	account	account	NOUN
fsr-3164	191	20	,	,	PUNCT
fsr-3164	191	21	81	81	NUM
fsr-3164	191	22	%	%	NOUN
fsr-3164	191	23	spent	spend	VERB
fsr-3164	191	24	less	less	ADJ
fsr-3164	191	25	than	than	ADP
fsr-3164	191	26	or	or	CCONJ
fsr-3164	191	27	equal	equal	ADJ
fsr-3164	191	28	to	to	ADP
fsr-3164	191	29	their	their	PRON
fsr-3164	191	30	income	income	NOUN
fsr-3164	191	31	over	over	ADP
fsr-3164	191	32	the	the	DET
fsr-3164	191	33	past	past	ADJ
fsr-3164	191	34	year	year	NOUN
fsr-3164	191	35	,	,	PUNCT
fsr-3164	191	36	and	and	CCONJ
fsr-3164	191	37	48	48	NUM
fsr-3164	191	38	%	%	NOUN
fsr-3164	191	39	always	always	ADV
fsr-3164	191	40	paid	pay	VERB
fsr-3164	191	41	their	their	PRON
fsr-3164	191	42	credit	credit	NOUN
fsr-3164	191	43	card	card	NOUN
fsr-3164	191	44	bill	bill	NOUN
fsr-3164	191	45	in	in	ADP
fsr-3164	191	46	full	full	ADJ
fsr-3164	191	47	.	.	PUNCT
fsr-3164	192	1	about	about	ADV
fsr-3164	192	2	39	39	NUM
fsr-3164	192	3	%	%	NOUN
fsr-3164	192	4	of	of	ADP
fsr-3164	192	5	the	the	DET
fsr-3164	192	6	respondents	respondent	NOUN
fsr-3164	192	7	were	be	AUX
fsr-3164	192	8	engaged	engage	VERB
fsr-3164	192	9	in	in	ADP
fsr-3164	192	10	all	all	DET
fsr-3164	192	11	three	three	NUM
fsr-3164	192	12	behaviors	behavior	NOUN
fsr-3164	192	13	.	.	PUNCT
fsr-3164	193	1	some	some	DET
fsr-3164	193	2	financial	financial	ADJ
fsr-3164	193	3	decisions	decision	NOUN
fsr-3164	193	4	are	be	AUX
fsr-3164	193	5	complex	complex	ADJ
fsr-3164	193	6	,	,	PUNCT
fsr-3164	193	7	future	future	ADV
fsr-3164	193	8	-	-	PUNCT
fsr-3164	193	9	oriented	orient	VERB
fsr-3164	193	10	,	,	PUNCT
fsr-3164	193	11	and	and	CCONJ
fsr-3164	193	12	require	require	VERB
fsr-3164	193	13	planning	planning	NOUN
fsr-3164	193	14	(	(	PUNCT
fsr-3164	193	15	beverly	beverly	PROPN
fsr-3164	193	16	et	et	PROPN
fsr-3164	193	17	al	al	PROPN
fsr-3164	193	18	.	.	PROPN
fsr-3164	193	19	,	,	PUNCT
fsr-3164	193	20	2003	2003	NUM
fsr-3164	193	21	)	)	PUNCT
fsr-3164	193	22	.	.	PUNCT
fsr-3164	194	1	an	an	DET
fsr-3164	194	2	individual	individual	ADJ
fsr-3164	194	3	long	long	ADJ
fsr-3164	194	4	-	-	PUNCT
fsr-3164	194	5	term	term	NOUN
fsr-3164	194	6	financial	financial	ADJ
fsr-3164	194	7	behavior	behavior	NOUN
fsr-3164	194	8	measure	measure	NOUN
fsr-3164	194	9	was	be	AUX
fsr-3164	194	10	created	create	VERB
fsr-3164	194	11	based	base	VERB
fsr-3164	194	12	on	on	ADP
fsr-3164	194	13	the	the	DET
fsr-3164	194	14	individual	individual	ADJ
fsr-3164	194	15	and	and	CCONJ
fsr-3164	194	16	aggregate	aggregate	ADJ
fsr-3164	194	17	responses	response	NOUN
fsr-3164	194	18	to	to	ADP
fsr-3164	194	19	the	the	DET
fsr-3164	194	20	five	five	NUM
fsr-3164	194	21	questions	question	NOUN
fsr-3164	194	22	that	that	PRON
fsr-3164	194	23	asked	ask	VERB
fsr-3164	194	24	if	if	SCONJ
fsr-3164	194	25	the	the	DET
fsr-3164	194	26	respondent	respondent	NOUN
fsr-3164	194	27	:	:	PUNCT
fsr-3164	194	28	(	(	PUNCT
fsr-3164	194	29	1	1	X
fsr-3164	194	30	)	)	PUNCT
fsr-3164	194	31	had	have	VERB
fsr-3164	194	32	an	an	DET
fsr-3164	194	33	emergency	emergency	NOUN
fsr-3164	194	34	or	or	CCONJ
fsr-3164	194	35	rainy	rainy	ADJ
fsr-3164	194	36	day	day	NOUN
fsr-3164	194	37	fund	fund	NOUN
fsr-3164	194	38	;	;	PUNCT
fsr-3164	194	39	(	(	PUNCT
fsr-3164	194	40	2	2	X
fsr-3164	194	41	)	)	PUNCT
fsr-3164	194	42	had	have	VERB
fsr-3164	194	43	a	a	DET
fsr-3164	194	44	saving	saving	NOUN
fsr-3164	194	45	account	account	NOUN
fsr-3164	194	46	,	,	PUNCT
fsr-3164	194	47	money	money	NOUN
fsr-3164	194	48	market	market	NOUN
fsr-3164	194	49	account	account	NOUN
fsr-3164	194	50	or	or	CCONJ
fsr-3164	194	51	cds	cd	NOUN
fsr-3164	194	52	;	;	PUNCT
fsr-3164	194	53	table	table	NOUN
fsr-3164	194	54	2	2	NUM
fsr-3164	194	55	short	short	ADJ
fsr-3164	194	56	-	-	PUNCT
fsr-3164	194	57	term	term	NOUN
fsr-3164	194	58	and	and	CCONJ
fsr-3164	194	59	long	long	ADJ
fsr-3164	194	60	-	-	PUNCT
fsr-3164	194	61	term	term	NOUN
fsr-3164	194	62	financial	financial	ADJ
fsr-3164	194	63	behavior	behavior	NOUN
fsr-3164	194	64	responses	response	NOUN
fsr-3164	194	65	yes	yes	INTJ
fsr-3164	194	66	no	no	DET
fsr-3164	194	67	index	index	NOUN
fsr-3164	194	68	=	=	SYM
fsr-3164	194	69	1	1	NUM
fsr-3164	194	70	index	index	NOUN
fsr-3164	194	71	=	=	SYM
fsr-3164	194	72	0	0	SYM
fsr-3164	194	73	n	n	NUM
fsr-3164	194	74	%	%	NOUN
fsr-3164	194	75	n	n	CCONJ
fsr-3164	194	76	%	%	NOUN
fsr-3164	194	77	short	short	ADJ
fsr-3164	194	78	-	-	PUNCT
fsr-3164	194	79	term	term	NOUN
fsr-3164	194	80	financial	financial	ADJ
fsr-3164	194	81	behavior	behavior	NOUN
fsr-3164	194	82	always	always	ADV
fsr-3164	194	83	paid	pay	VERB
fsr-3164	194	84	credit	credit	NOUN
fsr-3164	194	85	card	card	NOUN
fsr-3164	194	86	bill	bill	NOUN
fsr-3164	194	87	in	in	ADP
fsr-3164	194	88	full	full	ADJ
fsr-3164	194	89	9,476	9,476	NUM
fsr-3164	194	90	48.0	48.0	NUM
fsr-3164	194	91	10,249	10,249	NUM
fsr-3164	194	92	52.0	52.0	NUM
fsr-3164	194	93	spent	spend	VERB
fsr-3164	194	94	less	less	ADV
fsr-3164	194	95	or	or	CCONJ
fsr-3164	194	96	equal	equal	ADJ
fsr-3164	194	97	to	to	PART
fsr-3164	194	98	income	income	VERB
fsr-3164	194	99	16,063	16,063	NUM
fsr-3164	194	100	81.4	81.4	NUM
fsr-3164	194	101	3,662	3,662	NUM
fsr-3164	194	102	18.6	18.6	NUM
fsr-3164	194	103	not	not	PART
fsr-3164	194	104	overdraft	overdraft	NOUN
fsr-3164	194	105	checking	check	VERB
fsr-3164	194	106	account	account	NOUN
fsr-3164	194	107	15,477	15,477	NUM
fsr-3164	194	108	78.5	78.5	NUM
fsr-3164	194	109	4,248	4,248	NUM
fsr-3164	194	110	21.5	21.5	NUM
fsr-3164	194	111	overall	overall	ADJ
fsr-3164	194	112	short	short	ADJ
fsr-3164	194	113	-	-	PUNCT
fsr-3164	194	114	term	term	NOUN
fsr-3164	194	115	variable	variable	NOUN
fsr-3164	194	116	7,639	7,639	NUM
fsr-3164	194	117	38.7	38.7	NUM
fsr-3164	194	118	12,086	12,086	NUM
fsr-3164	194	119	61.3	61.3	NUM
fsr-3164	194	120	long	long	ADJ
fsr-3164	194	121	-	-	PUNCT
fsr-3164	194	122	term	term	NOUN
fsr-3164	194	123	financial	financial	ADJ
fsr-3164	194	124	behavior	behavior	NOUN
fsr-3164	194	125	has	have	AUX
fsr-3164	194	126	saving	save	VERB
fsr-3164	194	127	account	account	NOUN
fsr-3164	194	128	15,672	15,672	NUM
fsr-3164	194	129	79.5	79.5	NUM
fsr-3164	194	130	4,053	4,053	NUM
fsr-3164	194	131	20.5	20.5	NUM
fsr-3164	194	132	has	have	VERB
fsr-3164	194	133	investments	investment	NOUN
fsr-3164	194	134	(	(	PUNCT
fsr-3164	194	135	non	non	ADJ
fsr-3164	194	136	-	-	NOUN
fsr-3164	194	137	retirement	retirement	NOUN
fsr-3164	194	138	)	)	PUNCT
fsr-3164	194	139	7,600	7,600	NUM
fsr-3164	194	140	38.5	38.5	NUM
fsr-3164	194	141	12,125	12,125	NUM
fsr-3164	194	142	61.5	61.5	NUM
fsr-3164	194	143	figured	figure	VERB
fsr-3164	194	144	out	out	ADP
fsr-3164	194	145	retirement	retirement	NOUN
fsr-3164	194	146	needs	need	VERB
fsr-3164	194	147	12,544	12,544	NUM
fsr-3164	194	148	63.6	63.6	NUM
fsr-3164	194	149	7,181	7,181	NUM
fsr-3164	194	150	36.4	36.4	NUM
fsr-3164	194	151	has	have	VERB
fsr-3164	194	152	retirement	retirement	NOUN
fsr-3164	194	153	plan	plan	NOUN
fsr-3164	194	154	14,144	14,144	NUM
fsr-3164	195	1	71.7	71.7	NUM
fsr-3164	195	2	5,581	5,581	NUM
fsr-3164	195	3	28.3	28.3	NUM
fsr-3164	195	4	had	have	VERB
fsr-3164	195	5	emergency	emergency	NOUN
fsr-3164	195	6	fund	fund	NOUN
fsr-3164	195	7	10,950	10,950	NUM
fsr-3164	195	8	51.5	51.5	NUM
fsr-3164	195	9	8,775	8,775	NUM
fsr-3164	195	10	44.5	44.5	NUM
fsr-3164	195	11	overall	overall	ADJ
fsr-3164	195	12	long	long	ADJ
fsr-3164	195	13	-	-	PUNCT
fsr-3164	195	14	term	term	NOUN
fsr-3164	195	15	variable	variable	NOUN
fsr-3164	195	16	11,939	11,939	NUM
fsr-3164	195	17	60.5	60.5	NUM
fsr-3164	195	18	7,786	7,786	NUM
fsr-3164	195	19	39.5	39.5	NUM
fsr-3164	195	20	a.	a.	NOUN
fsr-3164	195	21	mussa	mussa	NOUN
fsr-3164	195	22	et	et	PROPN
fsr-3164	195	23	al	al	PROPN
fsr-3164	195	24	.	.	PUNCT
fsr-3164	195	25	/	/	SYM
fsr-3164	195	26	financial	financial	ADJ
fsr-3164	195	27	services	service	NOUN
fsr-3164	195	28	review	review	VERB
fsr-3164	195	29	30	30	NUM
fsr-3164	195	30	(	(	PUNCT
fsr-3164	195	31	2022	2022	NUM
fsr-3164	195	32	)	)	PUNCT
fsr-3164	196	1	273–296	273–296	NUM
fsr-3164	196	2	279	279	NUM
fsr-3164	196	3	(	(	PUNCT
fsr-3164	196	4	3	3	NUM
fsr-3164	196	5	)	)	PUNCT
fsr-3164	196	6	had	have	VERB
fsr-3164	196	7	investments	investment	NOUN
fsr-3164	196	8	in	in	ADP
fsr-3164	196	9	stocks	stock	NOUN
fsr-3164	196	10	,	,	PUNCT
fsr-3164	196	11	bonds	bond	NOUN
fsr-3164	196	12	,	,	PUNCT
fsr-3164	196	13	mutual	mutual	ADJ
fsr-3164	196	14	funds	fund	NOUN
fsr-3164	196	15	,	,	PUNCT
fsr-3164	196	16	or	or	CCONJ
fsr-3164	196	17	other	other	ADJ
fsr-3164	196	18	securities	security	NOUN
fsr-3164	196	19	that	that	PRON
fsr-3164	196	20	are	be	AUX
fsr-3164	196	21	outside	outside	ADP
fsr-3164	196	22	of	of	ADP
fsr-3164	196	23	retirement	retirement	NOUN
fsr-3164	196	24	accounts	account	NOUN
fsr-3164	196	25	;	;	PUNCT
fsr-3164	196	26	(	(	PUNCT
fsr-3164	196	27	4	4	X
fsr-3164	196	28	)	)	PUNCT
fsr-3164	196	29	had	have	AUX
fsr-3164	196	30	ever	ever	ADV
fsr-3164	196	31	tried	try	VERB
fsr-3164	196	32	to	to	PART
fsr-3164	196	33	figure	figure	VERB
fsr-3164	196	34	out	out	ADP
fsr-3164	196	35	their	their	PRON
fsr-3164	196	36	retirement	retirement	NOUN
fsr-3164	196	37	needs	need	NOUN
fsr-3164	196	38	;	;	PUNCT
fsr-3164	196	39	and	and	CCONJ
fsr-3164	196	40	(	(	PUNCT
fsr-3164	196	41	5	5	X
fsr-3164	196	42	)	)	PUNCT
fsr-3164	196	43	had	have	VERB
fsr-3164	196	44	any	any	DET
fsr-3164	196	45	retirement	retirement	NOUN
fsr-3164	196	46	plans	plan	NOUN
fsr-3164	196	47	either	either	CCONJ
fsr-3164	196	48	through	through	ADP
fsr-3164	196	49	an	an	DET
fsr-3164	196	50	employer	employer	NOUN
fsr-3164	196	51	or	or	CCONJ
fsr-3164	196	52	not	not	PART
fsr-3164	196	53	.	.	PUNCT
fsr-3164	197	1	each	each	PRON
fsr-3164	197	2	of	of	ADP
fsr-3164	197	3	the	the	DET
fsr-3164	197	4	above	above	ADJ
fsr-3164	197	5	measures	measure	NOUN
fsr-3164	197	6	is	be	AUX
fsr-3164	197	7	coded	code	VERB
fsr-3164	197	8	“	"	PUNCT
fsr-3164	197	9	1	1	NUM
fsr-3164	197	10	”	"	PUNCT
fsr-3164	197	11	for	for	ADP
fsr-3164	197	12	yes	yes	INTJ
fsr-3164	197	13	and	and	CCONJ
fsr-3164	197	14	“	"	PUNCT
fsr-3164	197	15	0	0	NUM
fsr-3164	197	16	”	"	PUNCT
fsr-3164	197	17	for	for	ADP
fsr-3164	197	18	no	no	NOUN
fsr-3164	197	19	.	.	PUNCT
fsr-3164	198	1	the	the	DET
fsr-3164	198	2	overall	overall	ADJ
fsr-3164	198	3	measure	measure	NOUN
fsr-3164	198	4	of	of	ADP
fsr-3164	198	5	long	long	ADJ
fsr-3164	198	6	-	-	PUNCT
fsr-3164	198	7	term	term	NOUN
fsr-3164	198	8	financial	financial	ADJ
fsr-3164	198	9	behavior	behavior	NOUN
fsr-3164	198	10	is	be	AUX
fsr-3164	198	11	created	create	VERB
fsr-3164	198	12	by	by	ADP
fsr-3164	198	13	adding	add	VERB
fsr-3164	198	14	the	the	DET
fsr-3164	198	15	five	five	NUM
fsr-3164	198	16	individual	individual	ADJ
fsr-3164	198	17	measures	measure	NOUN
fsr-3164	198	18	,	,	PUNCT
fsr-3164	198	19	with	with	ADP
fsr-3164	198	20	an	an	DET
fsr-3164	198	21	average	average	NOUN
fsr-3164	198	22	of	of	ADP
fsr-3164	198	23	2.76	2.76	NUM
fsr-3164	198	24	.	.	PUNCT
fsr-3164	199	1	a	a	DET
fsr-3164	199	2	binary	binary	ADJ
fsr-3164	199	3	dependent	dependent	ADJ
fsr-3164	199	4	variable	variable	NOUN
fsr-3164	199	5	of	of	ADP
fsr-3164	199	6	long	long	ADJ
fsr-3164	199	7	-	-	PUNCT
fsr-3164	199	8	term	term	NOUN
fsr-3164	199	9	financial	financial	ADJ
fsr-3164	199	10	behavior	behavior	NOUN
fsr-3164	199	11	is	be	AUX
fsr-3164	199	12	created	create	VERB
fsr-3164	199	13	and	and	CCONJ
fsr-3164	199	14	coded	code	VERB
fsr-3164	199	15	as	as	ADP
fsr-3164	199	16	“	"	PUNCT
fsr-3164	199	17	1	1	NUM
fsr-3164	199	18	”	"	PUNCT
fsr-3164	199	19	if	if	SCONJ
fsr-3164	199	20	the	the	DET
fsr-3164	199	21	overall	overall	ADJ
fsr-3164	199	22	measure	measure	NOUN
fsr-3164	199	23	is	be	AUX
fsr-3164	199	24	3	3	NUM
fsr-3164	199	25	or	or	CCONJ
fsr-3164	199	26	more	more	ADJ
fsr-3164	199	27	,	,	PUNCT
fsr-3164	199	28	and	and	CCONJ
fsr-3164	199	29	“	"	PUNCT
fsr-3164	199	30	0	0	NUM
fsr-3164	199	31	”	"	PUNCT
fsr-3164	199	32	otherwise	otherwise	ADV
fsr-3164	199	33	.	.	PUNCT
fsr-3164	200	1	as	as	SCONJ
fsr-3164	200	2	indicated	indicate	VERB
fsr-3164	200	3	in	in	ADP
fsr-3164	200	4	table	table	NOUN
fsr-3164	200	5	2	2	NUM
fsr-3164	200	6	,	,	PUNCT
fsr-3164	200	7	about	about	ADV
fsr-3164	200	8	61	61	NUM
fsr-3164	200	9	%	%	NOUN
fsr-3164	200	10	of	of	ADP
fsr-3164	200	11	the	the	DET
fsr-3164	200	12	respondents	respondent	NOUN
fsr-3164	200	13	claimed	claim	VERB
fsr-3164	200	14	at	at	ADP
fsr-3164	200	15	least	least	ADV
fsr-3164	200	16	three	three	NUM
fsr-3164	200	17	areas	area	NOUN
fsr-3164	200	18	of	of	ADP
fsr-3164	200	19	long	long	ADJ
fsr-3164	200	20	-	-	PUNCT
fsr-3164	200	21	term	term	NOUN
fsr-3164	200	22	financial	financial	ADJ
fsr-3164	200	23	behavior	behavior	NOUN
fsr-3164	200	24	.	.	PUNCT
fsr-3164	201	1	each	each	DET
fsr-3164	201	2	response	response	NOUN
fsr-3164	201	3	to	to	ADP
fsr-3164	201	4	the	the	DET
fsr-3164	201	5	five	five	NUM
fsr-3164	201	6	questions	question	NOUN
fsr-3164	201	7	is	be	AUX
fsr-3164	201	8	also	also	ADV
fsr-3164	201	9	used	use	VERB
fsr-3164	201	10	as	as	ADP
fsr-3164	201	11	an	an	DET
fsr-3164	201	12	alternative	alternative	ADJ
fsr-3164	201	13	measure	measure	NOUN
fsr-3164	201	14	of	of	ADP
fsr-3164	201	15	long	long	ADJ
fsr-3164	201	16	-	-	PUNCT
fsr-3164	201	17	term	term	NOUN
fsr-3164	201	18	financial	financial	ADJ
fsr-3164	201	19	behavior	behavior	NOUN
fsr-3164	201	20	.	.	PUNCT
fsr-3164	202	1	about	about	ADV
fsr-3164	202	2	80	80	NUM
fsr-3164	202	3	%	%	NOUN
fsr-3164	202	4	of	of	ADP
fsr-3164	202	5	the	the	DET
fsr-3164	202	6	respondents	respondent	NOUN
fsr-3164	202	7	have	have	VERB
fsr-3164	202	8	a	a	DET
fsr-3164	202	9	saving	saving	NOUN
fsr-3164	202	10	account	account	NOUN
fsr-3164	202	11	,	,	PUNCT
fsr-3164	202	12	money	money	NOUN
fsr-3164	202	13	market	market	NOUN
fsr-3164	202	14	account	account	NOUN
fsr-3164	202	15	,	,	PUNCT
fsr-3164	202	16	or	or	CCONJ
fsr-3164	202	17	cds	cd	NOUN
fsr-3164	202	18	;	;	PUNCT
fsr-3164	202	19	39	39	NUM
fsr-3164	202	20	%	%	NOUN
fsr-3164	202	21	of	of	ADP
fsr-3164	202	22	them	they	PRON
fsr-3164	202	23	invested	invest	VERB
fsr-3164	202	24	either	either	CCONJ
fsr-3164	202	25	in	in	ADP
fsr-3164	202	26	stocks	stock	NOUN
fsr-3164	202	27	,	,	PUNCT
fsr-3164	202	28	bonds	bond	NOUN
fsr-3164	202	29	,	,	PUNCT
fsr-3164	202	30	mutual	mutual	ADJ
fsr-3164	202	31	funds	fund	NOUN
fsr-3164	202	32	or	or	CCONJ
fsr-3164	202	33	other	other	ADJ
fsr-3164	202	34	securities	security	NOUN
fsr-3164	202	35	,	,	PUNCT
fsr-3164	202	36	not	not	PART
fsr-3164	202	37	including	include	VERB
fsr-3164	202	38	retirement	retirement	NOUN
fsr-3164	202	39	accounts	account	NOUN
fsr-3164	202	40	;	;	PUNCT
fsr-3164	202	41	72	72	NUM
fsr-3164	202	42	%	%	NOUN
fsr-3164	202	43	had	have	VERB
fsr-3164	202	44	a	a	DET
fsr-3164	202	45	retirement	retirement	NOUN
fsr-3164	202	46	plan	plan	NOUN
fsr-3164	202	47	either	either	CCONJ
fsr-3164	202	48	from	from	ADP
fsr-3164	202	49	an	an	DET
fsr-3164	202	50	employer	employer	NOUN
fsr-3164	202	51	or	or	CCONJ
fsr-3164	202	52	some	some	DET
fsr-3164	202	53	other	other	ADJ
fsr-3164	202	54	way	way	NOUN
fsr-3164	202	55	,	,	PUNCT
fsr-3164	202	56	and	and	CCONJ
fsr-3164	202	57	64	64	NUM
fsr-3164	202	58	%	%	NOUN
fsr-3164	202	59	had	have	AUX
fsr-3164	202	60	already	already	ADV
fsr-3164	202	61	figured	figure	VERB
fsr-3164	202	62	out	out	ADP
fsr-3164	202	63	their	their	PRON
fsr-3164	202	64	retirement	retirement	NOUN
fsr-3164	202	65	needs	need	NOUN
fsr-3164	202	66	.	.	PUNCT
fsr-3164	203	1	about	about	ADV
fsr-3164	203	2	52	52	NUM
fsr-3164	203	3	%	%	NOUN
fsr-3164	203	4	of	of	ADP
fsr-3164	203	5	the	the	DET
fsr-3164	203	6	respondents	respondent	NOUN
fsr-3164	203	7	had	have	VERB
fsr-3164	203	8	an	an	DET
fsr-3164	203	9	emergency	emergency	NOUN
fsr-3164	203	10	or	or	CCONJ
fsr-3164	203	11	rainy	rainy	ADJ
fsr-3164	203	12	-	-	PUNCT
fsr-3164	203	13	day	day	NOUN
fsr-3164	203	14	fund	fund	NOUN
fsr-3164	203	15	that	that	PRON
fsr-3164	203	16	would	would	AUX
fsr-3164	203	17	cover	cover	VERB
fsr-3164	203	18	expenses	expense	NOUN
fsr-3164	203	19	for	for	ADP
fsr-3164	203	20	three	three	NUM
fsr-3164	203	21	months	month	NOUN
fsr-3164	203	22	in	in	ADP
fsr-3164	203	23	case	case	NOUN
fsr-3164	203	24	of	of	ADP
fsr-3164	203	25	sickness	sickness	NOUN
fsr-3164	203	26	,	,	PUNCT
fsr-3164	203	27	job	job	NOUN
fsr-3164	203	28	loss	loss	NOUN
fsr-3164	203	29	,	,	PUNCT
fsr-3164	203	30	economic	economic	ADJ
fsr-3164	203	31	downturn	downturn	NOUN
fsr-3164	203	32	,	,	PUNCT
fsr-3164	203	33	or	or	CCONJ
fsr-3164	203	34	other	other	ADJ
fsr-3164	203	35	emergencies	emergency	NOUN
fsr-3164	203	36	.	.	PUNCT
fsr-3164	204	1	consistent	consistent	ADJ
fsr-3164	204	2	with	with	ADP
fsr-3164	204	3	the	the	DET
fsr-3164	204	4	existing	exist	VERB
fsr-3164	204	5	literature	literature	NOUN
fsr-3164	204	6	(	(	PUNCT
fsr-3164	204	7	asaad	asaad	PROPN
fsr-3164	204	8	,	,	PUNCT
fsr-3164	204	9	2015	2015	NUM
fsr-3164	204	10	;	;	PUNCT
fsr-3164	204	11	wagner	wagner	PROPN
fsr-3164	204	12	&	&	CCONJ
fsr-3164	204	13	walstad	walstad	PROPN
fsr-3164	204	14	,	,	PUNCT
fsr-3164	204	15	2019	2019	NUM
fsr-3164	204	16	;	;	PUNCT
fsr-3164	204	17	xiao	xiao	PROPN
fsr-3164	204	18	&	&	CCONJ
fsr-3164	204	19	porto	porto	PROPN
fsr-3164	204	20	,	,	PUNCT
fsr-3164	204	21	2017	2017	NUM
fsr-3164	204	22	)	)	PUNCT
fsr-3164	204	23	,	,	PUNCT
fsr-3164	204	24	financial	financial	ADJ
fsr-3164	204	25	literacy	literacy	NOUN
fsr-3164	204	26	variables	variable	NOUN
fsr-3164	204	27	are	be	AUX
fsr-3164	204	28	defined	define	VERB
fsr-3164	204	29	separately	separately	ADV
fsr-3164	204	30	to	to	PART
fsr-3164	204	31	reflect	reflect	VERB
fsr-3164	204	32	the	the	DET
fsr-3164	204	33	actual	actual	ADJ
fsr-3164	204	34	knowledge	knowledge	NOUN
fsr-3164	204	35	and	and	CCONJ
fsr-3164	204	36	the	the	DET
fsr-3164	204	37	perceived	perceive	VERB
fsr-3164	204	38	knowledge	knowledge	NOUN
fsr-3164	204	39	of	of	ADP
fsr-3164	204	40	basic	basic	ADJ
fsr-3164	204	41	financial	financial	ADJ
fsr-3164	204	42	literacy	literacy	NOUN
fsr-3164	204	43	.	.	PUNCT
fsr-3164	205	1	the	the	DET
fsr-3164	205	2	objective	objective	ADJ
fsr-3164	205	3	or	or	CCONJ
fsr-3164	205	4	actual	actual	ADJ
fsr-3164	205	5	financial	financial	ADJ
fsr-3164	205	6	knowledge	knowledge	NOUN
fsr-3164	205	7	variable	variable	NOUN
fsr-3164	205	8	is	be	AUX
fsr-3164	205	9	derived	derive	VERB
fsr-3164	205	10	from	from	ADP
fsr-3164	205	11	responses	response	NOUN
fsr-3164	205	12	to	to	ADP
fsr-3164	205	13	questions	question	NOUN
fsr-3164	205	14	about	about	ADP
fsr-3164	205	15	interest	interest	NOUN
fsr-3164	205	16	accrual	accrual	ADJ
fsr-3164	205	17	,	,	PUNCT
fsr-3164	205	18	inflation	inflation	NOUN
fsr-3164	205	19	,	,	PUNCT
fsr-3164	205	20	bond	bond	NOUN
fsr-3164	205	21	prices	price	NOUN
fsr-3164	205	22	,	,	PUNCT
fsr-3164	205	23	mortgage	mortgage	NOUN
fsr-3164	205	24	,	,	PUNCT
fsr-3164	205	25	risk	risk	NOUN
fsr-3164	205	26	,	,	PUNCT
fsr-3164	205	27	and	and	CCONJ
fsr-3164	205	28	bond	bond	NOUN
fsr-3164	205	29	duration.4	duration.4	NOUN
fsr-3164	205	30	similarly	similarly	ADV
fsr-3164	205	31	,	,	PUNCT
fsr-3164	205	32	the	the	DET
fsr-3164	205	33	subjective	subjective	ADJ
fsr-3164	205	34	or	or	CCONJ
fsr-3164	205	35	perceived	perceive	VERB
fsr-3164	205	36	knowledge	knowledge	NOUN
fsr-3164	205	37	of	of	ADP
fsr-3164	205	38	financial	financial	ADJ
fsr-3164	205	39	literacy	literacy	NOUN
fsr-3164	205	40	,	,	PUNCT
fsr-3164	205	41	that	that	ADV
fsr-3164	205	42	is	is	ADV
fsr-3164	205	43	,	,	PUNCT
fsr-3164	205	44	financial	financial	ADJ
fsr-3164	205	45	confidence	confidence	NOUN
fsr-3164	205	46	,	,	PUNCT
fsr-3164	205	47	is	be	AUX
fsr-3164	205	48	constructed	construct	VERB
fsr-3164	205	49	based	base	VERB
fsr-3164	205	50	on	on	ADP
fsr-3164	205	51	the	the	DET
fsr-3164	205	52	responses	response	NOUN
fsr-3164	205	53	to	to	ADP
fsr-3164	205	54	three	three	NUM
fsr-3164	205	55	survey	survey	NOUN
fsr-3164	205	56	questions	question	NOUN
fsr-3164	205	57	that	that	PRON
fsr-3164	205	58	assess	assess	VERB
fsr-3164	205	59	how	how	SCONJ
fsr-3164	205	60	the	the	DET
fsr-3164	205	61	respondents	respondent	NOUN
fsr-3164	205	62	were	be	AUX
fsr-3164	205	63	satisfied	satisfied	ADJ
fsr-3164	205	64	with	with	ADP
fsr-3164	205	65	their	their	PRON
fsr-3164	205	66	personal	personal	ADJ
fsr-3164	205	67	financial	financial	ADJ
fsr-3164	205	68	condition	condition	NOUN
fsr-3164	205	69	,	,	PUNCT
fsr-3164	205	70	rate	rate	VERB
fsr-3164	205	71	their	their	PRON
fsr-3164	205	72	overall	overall	ADJ
fsr-3164	205	73	financial	financial	ADJ
fsr-3164	205	74	knowledge	knowledge	NOUN
fsr-3164	205	75	,	,	PUNCT
fsr-3164	205	76	and	and	CCONJ
fsr-3164	205	77	their	their	PRON
fsr-3164	205	78	day	day	NOUN
fsr-3164	205	79	-	-	PUNCT
fsr-3164	205	80	today	today	NOUN
fsr-3164	205	81	financial	financial	ADJ
fsr-3164	205	82	matters.5	matters.5	NOUN
fsr-3164	205	83	one	one	NUM
fsr-3164	205	84	of	of	ADP
fsr-3164	205	85	the	the	DET
fsr-3164	205	86	main	main	ADJ
fsr-3164	205	87	contributions	contribution	NOUN
fsr-3164	205	88	of	of	ADP
fsr-3164	205	89	this	this	DET
fsr-3164	205	90	paper	paper	NOUN
fsr-3164	205	91	is	be	AUX
fsr-3164	205	92	examining	examine	VERB
fsr-3164	205	93	the	the	DET
fsr-3164	205	94	role	role	NOUN
fsr-3164	205	95	of	of	ADP
fsr-3164	205	96	technology	technology	NOUN
fsr-3164	205	97	on	on	ADP
fsr-3164	205	98	financial	financial	ADJ
fsr-3164	205	99	behavior	behavior	NOUN
fsr-3164	205	100	.	.	PUNCT
fsr-3164	206	1	technology	technology	NOUN
fsr-3164	206	2	has	have	AUX
fsr-3164	206	3	dramatically	dramatically	ADV
fsr-3164	206	4	changed	change	VERB
fsr-3164	206	5	the	the	DET
fsr-3164	206	6	way	way	NOUN
fsr-3164	206	7	people	people	NOUN
fsr-3164	206	8	handle	handle	VERB
fsr-3164	206	9	personal	personal	ADJ
fsr-3164	206	10	financial	financial	ADJ
fsr-3164	206	11	transactions	transaction	NOUN
fsr-3164	206	12	,	,	PUNCT
fsr-3164	206	13	everything	everything	PRON
fsr-3164	206	14	from	from	ADP
fsr-3164	206	15	online	online	ADJ
fsr-3164	206	16	and	and	CCONJ
fsr-3164	206	17	mobile	mobile	ADJ
fsr-3164	206	18	banking	banking	NOUN
fsr-3164	206	19	and	and	CCONJ
fsr-3164	206	20	virtual	virtual	ADJ
fsr-3164	206	21	wallets	wallet	NOUN
fsr-3164	206	22	to	to	PART
fsr-3164	206	23	barcodebased	barcodebase	VERB
fsr-3164	206	24	mobile	mobile	ADJ
fsr-3164	206	25	payments	payment	NOUN
fsr-3164	206	26	and	and	CCONJ
fsr-3164	206	27	cryptocurrencies	cryptocurrencie	NOUN
fsr-3164	206	28	.	.	PUNCT
fsr-3164	207	1	in	in	ADP
fsr-3164	207	2	addition	addition	NOUN
fsr-3164	207	3	,	,	PUNCT
fsr-3164	207	4	the	the	DET
fsr-3164	207	5	ease	ease	NOUN
fsr-3164	207	6	of	of	ADP
fsr-3164	207	7	communication	communication	NOUN
fsr-3164	207	8	has	have	AUX
fsr-3164	207	9	allowed	allow	VERB
fsr-3164	207	10	remote	remote	ADJ
fsr-3164	207	11	and	and	CCONJ
fsr-3164	207	12	contract	contract	NOUN
fsr-3164	207	13	workers	worker	NOUN
fsr-3164	207	14	to	to	PART
fsr-3164	207	15	work	work	VERB
fsr-3164	207	16	on	on	ADP
fsr-3164	207	17	their	their	PRON
fsr-3164	207	18	own	own	ADJ
fsr-3164	207	19	terms	term	NOUN
fsr-3164	207	20	,	,	PUNCT
fsr-3164	207	21	increasing	increase	VERB
fsr-3164	207	22	the	the	DET
fsr-3164	207	23	size	size	NOUN
fsr-3164	207	24	of	of	ADP
fsr-3164	207	25	the	the	DET
fsr-3164	207	26	workforce	workforce	NOUN
fsr-3164	207	27	in	in	ADP
fsr-3164	207	28	the	the	DET
fsr-3164	207	29	gig	gig	NOUN
fsr-3164	207	30	economy	economy	NOUN
fsr-3164	207	31	.	.	PUNCT
fsr-3164	208	1	the	the	DET
fsr-3164	208	2	emergence	emergence	NOUN
fsr-3164	208	3	of	of	ADP
fsr-3164	208	4	the	the	DET
fsr-3164	208	5	gig	gig	NOUN
fsr-3164	208	6	economy	economy	NOUN
fsr-3164	208	7	forced	force	VERB
fsr-3164	208	8	people	people	NOUN
fsr-3164	208	9	to	to	PART
fsr-3164	208	10	use	use	VERB
fsr-3164	208	11	various	various	ADJ
fsr-3164	208	12	online	online	ADJ
fsr-3164	208	13	applications	application	NOUN
fsr-3164	208	14	such	such	ADJ
fsr-3164	208	15	as	as	ADP
fsr-3164	208	16	instacart	instacart	ADJ
fsr-3164	208	17	and	and	CCONJ
fsr-3164	208	18	doordash	doordash	NOUN
fsr-3164	208	19	for	for	ADP
fsr-3164	208	20	grocery	grocery	NOUN
fsr-3164	208	21	and	and	CCONJ
fsr-3164	208	22	meal	meal	NOUN
fsr-3164	208	23	delivery	delivery	NOUN
fsr-3164	208	24	,	,	PUNCT
fsr-3164	208	25	and	and	CCONJ
fsr-3164	208	26	rideshare	rideshare	PROPN
fsr-3164	208	27	apps	app	NOUN
fsr-3164	208	28	such	such	ADJ
fsr-3164	208	29	as	as	ADP
fsr-3164	208	30	uber	uber	ADJ
fsr-3164	208	31	and	and	CCONJ
fsr-3164	208	32	lyft	lyft	NOUN
fsr-3164	208	33	.	.	PUNCT
fsr-3164	209	1	even	even	ADV
fsr-3164	209	2	if	if	SCONJ
fsr-3164	209	3	there	there	PRON
fsr-3164	209	4	is	be	VERB
fsr-3164	209	5	no	no	DET
fsr-3164	209	6	consensus	consensus	NOUN
fsr-3164	209	7	as	as	ADP
fsr-3164	209	8	to	to	ADP
fsr-3164	209	9	who	who	PRON
fsr-3164	209	10	qualifies	qualify	VERB
fsr-3164	209	11	as	as	ADP
fsr-3164	209	12	a	a	DET
fsr-3164	209	13	gig	gig	NOUN
fsr-3164	209	14	worker	worker	NOUN
fsr-3164	209	15	,	,	PUNCT
fsr-3164	209	16	the	the	DET
fsr-3164	209	17	bureau	bureau	NOUN
fsr-3164	209	18	of	of	ADP
fsr-3164	209	19	labor	labor	PROPN
fsr-3164	209	20	statistics	statistic	NOUN
fsr-3164	209	21	estimated	estimate	VERB
fsr-3164	209	22	that	that	SCONJ
fsr-3164	209	23	there	there	PRON
fsr-3164	209	24	were	be	VERB
fsr-3164	209	25	55	55	NUM
fsr-3164	209	26	million	million	NUM
fsr-3164	209	27	gig	gig	NOUN
fsr-3164	209	28	economy	economy	NOUN
fsr-3164	209	29	workers	worker	NOUN
fsr-3164	209	30	in	in	ADP
fsr-3164	209	31	the	the	DET
fsr-3164	209	32	nation	nation	NOUN
fsr-3164	209	33	in	in	ADP
fsr-3164	209	34	2017	2017	NUM
fsr-3164	209	35	.	.	PUNCT
fsr-3164	210	1	in	in	ADP
fsr-3164	210	2	our	our	PRON
fsr-3164	210	3	regression	regression	NOUN
fsr-3164	210	4	,	,	PUNCT
fsr-3164	210	5	we	we	PRON
fsr-3164	210	6	control	control	VERB
fsr-3164	210	7	how	how	SCONJ
fsr-3164	210	8	comfortable	comfortable	ADJ
fsr-3164	210	9	people	people	NOUN
fsr-3164	210	10	are	be	AUX
fsr-3164	210	11	in	in	ADP
fsr-3164	210	12	using	use	VERB
fsr-3164	210	13	and	and	CCONJ
fsr-3164	210	14	adopting	adopt	VERB
fsr-3164	210	15	technology	technology	NOUN
fsr-3164	210	16	for	for	ADP
fsr-3164	210	17	managing	manage	VERB
fsr-3164	210	18	their	their	PRON
fsr-3164	210	19	finances	finance	NOUN
fsr-3164	210	20	and	and	CCONJ
fsr-3164	210	21	defined	define	VERB
fsr-3164	210	22	them	they	PRON
fsr-3164	210	23	as	as	ADP
fsr-3164	210	24	tech	tech	NOUN
fsr-3164	210	25	-	-	PUNCT
fsr-3164	210	26	savvy	savvy	ADJ
fsr-3164	210	27	.	.	PUNCT
fsr-3164	211	1	four	four	NUM
fsr-3164	211	2	items	item	NOUN
fsr-3164	211	3	are	be	AUX
fsr-3164	211	4	selected	select	VERB
fsr-3164	211	5	from	from	ADP
fsr-3164	211	6	the	the	DET
fsr-3164	211	7	2018	2018	NUM
fsr-3164	211	8	nfcs	nfc	NOUN
fsr-3164	211	9	survey	survey	NOUN
fsr-3164	211	10	and	and	CCONJ
fsr-3164	211	11	recoded	recode	VERB
fsr-3164	211	12	as	as	SCONJ
fsr-3164	211	13	binary	binary	ADJ
fsr-3164	211	14	variable	variable	NOUN
fsr-3164	211	15	to	to	PART
fsr-3164	211	16	measure	measure	VERB
fsr-3164	211	17	tech	tech	NOUN
fsr-3164	211	18	-	-	PUNCT
fsr-3164	211	19	savvy	savvy	NOUN
fsr-3164	211	20	:	:	PUNCT
fsr-3164	211	21	(	(	PUNCT
fsr-3164	211	22	1	1	X
fsr-3164	211	23	)	)	PUNCT
fsr-3164	211	24	how	how	SCONJ
fsr-3164	211	25	often	often	ADV
fsr-3164	211	26	respondents	respondent	NOUN
fsr-3164	211	27	used	use	VERB
fsr-3164	211	28	their	their	PRON
fsr-3164	211	29	mobile	mobile	ADJ
fsr-3164	211	30	phone	phone	NOUN
fsr-3164	211	31	to	to	PART
fsr-3164	211	32	pay	pay	VERB
fsr-3164	211	33	for	for	ADP
fsr-3164	211	34	a	a	DET
fsr-3164	211	35	product	product	NOUN
fsr-3164	211	36	or	or	CCONJ
fsr-3164	211	37	service	service	NOUN
fsr-3164	211	38	in	in	ADP
fsr-3164	211	39	person	person	NOUN
fsr-3164	211	40	at	at	ADP
fsr-3164	211	41	a	a	DET
fsr-3164	211	42	store	store	NOUN
fsr-3164	211	43	,	,	PUNCT
fsr-3164	211	44	gas	gas	NOUN
fsr-3164	211	45	station	station	NOUN
fsr-3164	211	46	,	,	PUNCT
fsr-3164	211	47	or	or	CCONJ
fsr-3164	211	48	restaurant	restaurant	NOUN
fsr-3164	211	49	;	;	PUNCT
fsr-3164	211	50	(	(	PUNCT
fsr-3164	211	51	2	2	X
fsr-3164	211	52	)	)	PUNCT
fsr-3164	211	53	how	how	SCONJ
fsr-3164	211	54	often	often	ADV
fsr-3164	211	55	do	do	AUX
fsr-3164	211	56	respondents	respondent	NOUN
fsr-3164	211	57	used	use	VERB
fsr-3164	211	58	mobile	mobile	ADJ
fsr-3164	211	59	phone	phone	NOUN
fsr-3164	211	60	to	to	PART
fsr-3164	211	61	transfer	transfer	VERB
fsr-3164	211	62	money	money	NOUN
fsr-3164	211	63	to	to	ADP
fsr-3164	211	64	another	another	DET
fsr-3164	211	65	person	person	NOUN
fsr-3164	211	66	;	;	PUNCT
fsr-3164	211	67	(	(	PUNCT
fsr-3164	211	68	3	3	X
fsr-3164	211	69	)	)	PUNCT
fsr-3164	211	70	how	how	SCONJ
fsr-3164	211	71	often	often	ADV
fsr-3164	211	72	they	they	PRON
fsr-3164	211	73	used	use	VERB
fsr-3164	211	74	websites	website	NOUN
fsr-3164	211	75	or	or	CCONJ
fsr-3164	211	76	apps	app	NOUN
fsr-3164	211	77	to	to	PART
fsr-3164	211	78	help	help	VERB
fsr-3164	211	79	with	with	ADP
fsr-3164	211	80	financial	financial	ADJ
fsr-3164	211	81	tasks	task	NOUN
fsr-3164	211	82	such	such	ADJ
fsr-3164	211	83	as	as	ADP
fsr-3164	211	84	budgeting	budgeting	NOUN
fsr-3164	211	85	,	,	PUNCT
fsr-3164	211	86	saving	saving	NOUN
fsr-3164	211	87	or	or	CCONJ
fsr-3164	211	88	credit	credit	NOUN
fsr-3164	211	89	management	management	NOUN
fsr-3164	211	90	,	,	PUNCT
fsr-3164	211	91	such	such	ADJ
fsr-3164	211	92	as	as	ADP
fsr-3164	211	93	credit	credit	NOUN
fsr-3164	211	94	karma	karma	NOUN
fsr-3164	211	95	or	or	CCONJ
fsr-3164	211	96	goodbudget	goodbudget	NOUN
fsr-3164	211	97	;	;	PUNCT
fsr-3164	211	98	and	and	CCONJ
fsr-3164	211	99	(	(	PUNCT
fsr-3164	211	100	4	4	X
fsr-3164	211	101	)	)	PUNCT
fsr-3164	211	102	how	how	SCONJ
fsr-3164	211	103	often	often	ADV
fsr-3164	211	104	they	they	PRON
fsr-3164	211	105	took	take	VERB
fsr-3164	211	106	on	on	ADP
fsr-3164	211	107	a	a	DET
fsr-3164	211	108	work	work	NOUN
fsr-3164	211	109	assignment	assignment	NOUN
fsr-3164	211	110	through	through	ADP
fsr-3164	211	111	a	a	DET
fsr-3164	211	112	website	website	NOUN
fsr-3164	211	113	or	or	CCONJ
fsr-3164	211	114	mobile	mobile	ADJ
fsr-3164	211	115	apps	app	NOUN
fsr-3164	211	116	such	such	ADJ
fsr-3164	211	117	as	as	ADP
fsr-3164	211	118	uber	uber	ADJ
fsr-3164	211	119	.	.	PUNCT
fsr-3164	212	1	if	if	SCONJ
fsr-3164	212	2	the	the	DET
fsr-3164	212	3	respondents	respondent	NOUN
fsr-3164	212	4	answered	answer	VERB
fsr-3164	212	5	“	"	PUNCT
fsr-3164	212	6	frequently	frequently	ADV
fsr-3164	212	7	”	"	PUNCT
fsr-3164	212	8	or	or	CCONJ
fsr-3164	212	9	“	"	PUNCT
fsr-3164	212	10	sometimes	sometimes	ADV
fsr-3164	212	11	”	"	PUNCT
fsr-3164	212	12	for	for	ADP
fsr-3164	212	13	each	each	PRON
fsr-3164	212	14	of	of	ADP
fsr-3164	212	15	the	the	DET
fsr-3164	212	16	above	above	ADJ
fsr-3164	212	17	four	four	NUM
fsr-3164	212	18	questions	question	NOUN
fsr-3164	212	19	,	,	PUNCT
fsr-3164	212	20	the	the	DET
fsr-3164	212	21	corresponding	corresponding	ADJ
fsr-3164	212	22	variables	variable	NOUN
fsr-3164	212	23	—	—	PUNCT
fsr-3164	212	24	mobile	mobile	ADJ
fsr-3164	212	25	use	use	NOUN
fsr-3164	212	26	in	in	ADP
fsr-3164	212	27	person	person	NOUN
fsr-3164	212	28	,	,	PUNCT
fsr-3164	212	29	mobile	mobile	ADJ
fsr-3164	212	30	use	use	NOUN
fsr-3164	212	31	for	for	ADP
fsr-3164	212	32	transfer	transfer	NOUN
fsr-3164	212	33	,	,	PUNCT
fsr-3164	212	34	web	web	NOUN
fsr-3164	212	35	and	and	CCONJ
fsr-3164	212	36	app	app	NOUN
fsr-3164	212	37	for	for	ADP
fsr-3164	212	38	personal	personal	ADJ
fsr-3164	212	39	use	use	NOUN
fsr-3164	212	40	,	,	PUNCT
fsr-3164	212	41	and	and	CCONJ
fsr-3164	212	42	web	web	NOUN
fsr-3164	212	43	and	and	CCONJ
fsr-3164	212	44	app	app	NOUN
fsr-3164	212	45	use	use	NOUN
fsr-3164	212	46	for	for	ADP
fsr-3164	212	47	work	work	NOUN
fsr-3164	212	48	—	—	PUNCT
fsr-3164	212	49	are	be	AUX
fsr-3164	212	50	280	280	NUM
fsr-3164	212	51	a.	a.	NOUN
fsr-3164	212	52	mussa	mussa	NOUN
fsr-3164	212	53	et	et	PROPN
fsr-3164	212	54	al	al	PROPN
fsr-3164	212	55	.	.	PUNCT
fsr-3164	212	56	/	/	SYM
fsr-3164	212	57	financial	financial	ADJ
fsr-3164	212	58	services	service	NOUN
fsr-3164	212	59	review	review	VERB
fsr-3164	212	60	30	30	NUM
fsr-3164	212	61	(	(	PUNCT
fsr-3164	212	62	2022	2022	NUM
fsr-3164	212	63	)	)	PUNCT
fsr-3164	212	64	273–296	273–296	NUM
fsr-3164	212	65	separately	separately	ADV
fsr-3164	212	66	coded	code	VERB
fsr-3164	212	67	as	as	ADP
fsr-3164	212	68	“	"	PUNCT
fsr-3164	212	69	1	1	NUM
fsr-3164	212	70	,	,	PUNCT
fsr-3164	212	71	”	"	PUNCT
fsr-3164	212	72	otherwise	otherwise	ADV
fsr-3164	212	73	“	"	PUNCT
fsr-3164	212	74	0	0	X
fsr-3164	212	75	.	.	PUNCT
fsr-3164	212	76	”	"	PUNCT
fsr-3164	213	1	in	in	ADP
fsr-3164	213	2	addition	addition	NOUN
fsr-3164	213	3	,	,	PUNCT
fsr-3164	213	4	we	we	PRON
fsr-3164	213	5	constructed	construct	VERB
fsr-3164	213	6	the	the	DET
fsr-3164	213	7	overall	overall	ADJ
fsr-3164	213	8	measure	measure	NOUN
fsr-3164	213	9	of	of	ADP
fsr-3164	213	10	tech	tech	NOUN
fsr-3164	213	11	-	-	PUNCT
fsr-3164	213	12	savvy	savvy	ADJ
fsr-3164	213	13	by	by	ADP
fsr-3164	213	14	horizontally	horizontally	ADV
fsr-3164	213	15	adding	add	VERB
fsr-3164	213	16	all	all	DET
fsr-3164	213	17	the	the	DET
fsr-3164	213	18	above	above	ADJ
fsr-3164	213	19	four	four	NUM
fsr-3164	213	20	measures	measure	NOUN
fsr-3164	213	21	,	,	PUNCT
fsr-3164	213	22	and	and	CCONJ
fsr-3164	213	23	coded	code	VERB
fsr-3164	213	24	as	as	ADP
fsr-3164	213	25	“	"	PUNCT
fsr-3164	213	26	1	1	NUM
fsr-3164	213	27	”	"	PUNCT
fsr-3164	213	28	if	if	SCONJ
fsr-3164	213	29	respondents	respondent	NOUN
fsr-3164	213	30	were	be	AUX
fsr-3164	213	31	affirming	affirm	VERB
fsr-3164	213	32	at	at	ADV
fsr-3164	213	33	least	least	ADV
fsr-3164	213	34	two	two	NUM
fsr-3164	213	35	of	of	ADP
fsr-3164	213	36	the	the	DET
fsr-3164	213	37	four	four	NUM
fsr-3164	213	38	questions	question	NOUN
fsr-3164	213	39	.	.	PUNCT
fsr-3164	214	1	4	4	X
fsr-3164	214	2	.	.	X
fsr-3164	214	3	empirical	empirical	ADJ
fsr-3164	214	4	results	result	NOUN
fsr-3164	214	5	logistic	logistic	ADJ
fsr-3164	214	6	regressions	regression	NOUN
fsr-3164	214	7	were	be	AUX
fsr-3164	214	8	used	use	VERB
fsr-3164	214	9	to	to	PART
fsr-3164	214	10	explore	explore	VERB
fsr-3164	214	11	how	how	SCONJ
fsr-3164	214	12	the	the	DET
fsr-3164	214	13	usage	usage	NOUN
fsr-3164	214	14	and	and	CCONJ
fsr-3164	214	15	adoption	adoption	NOUN
fsr-3164	214	16	of	of	ADP
fsr-3164	214	17	technology	technology	NOUN
fsr-3164	214	18	affects	affect	VERB
fsr-3164	214	19	personal	personal	ADJ
fsr-3164	214	20	financial	financial	ADJ
fsr-3164	214	21	behaviors	behavior	NOUN
fsr-3164	214	22	.	.	PUNCT
fsr-3164	215	1	tables	table	NOUN
fsr-3164	215	2	3	3	NUM
fsr-3164	215	3	through	through	ADP
fsr-3164	215	4	6	6	NUM
fsr-3164	215	5	show	show	VERB
fsr-3164	215	6	the	the	DET
fsr-3164	215	7	estimated	estimate	VERB
fsr-3164	215	8	average	average	ADJ
fsr-3164	215	9	marginal	marginal	ADJ
fsr-3164	215	10	effects	effect	NOUN
fsr-3164	215	11	in	in	ADP
fsr-3164	215	12	which	which	PRON
fsr-3164	215	13	the	the	DET
fsr-3164	215	14	dependent	dependent	ADJ
fsr-3164	215	15	variable	variable	NOUN
fsr-3164	215	16	measured	measure	VERB
fsr-3164	215	17	short	short	ADJ
fsr-3164	215	18	-	-	PUNCT
fsr-3164	215	19	term	term	NOUN
fsr-3164	215	20	financial	financial	ADJ
fsr-3164	215	21	behaviors	behavior	NOUN
fsr-3164	215	22	,	,	PUNCT
fsr-3164	215	23	longterm	longterm	VERB
fsr-3164	215	24	financial	financial	ADJ
fsr-3164	215	25	behaviors	behavior	NOUN
fsr-3164	215	26	,	,	PUNCT
fsr-3164	215	27	and	and	CCONJ
fsr-3164	215	28	individual	individual	ADJ
fsr-3164	215	29	measures	measure	NOUN
fsr-3164	215	30	of	of	ADP
fsr-3164	215	31	either	either	DET
fsr-3164	215	32	behavior	behavior	NOUN
fsr-3164	215	33	.	.	PUNCT
fsr-3164	216	1	as	as	SCONJ
fsr-3164	216	2	reported	report	VERB
fsr-3164	216	3	in	in	ADP
fsr-3164	216	4	table	table	NOUN
fsr-3164	216	5	3	3	NUM
fsr-3164	216	6	,	,	PUNCT
fsr-3164	216	7	financial	financial	ADJ
fsr-3164	216	8	knowledge	knowledge	NOUN
fsr-3164	216	9	and	and	CCONJ
fsr-3164	216	10	financial	financial	ADJ
fsr-3164	216	11	confidence	confidence	NOUN
fsr-3164	216	12	variables	variable	NOUN
fsr-3164	216	13	are	be	AUX
fsr-3164	216	14	positive	positive	ADJ
fsr-3164	216	15	and	and	CCONJ
fsr-3164	216	16	significant	significant	ADJ
fsr-3164	216	17	when	when	SCONJ
fsr-3164	216	18	either	either	DET
fsr-3164	216	19	one	one	NUM
fsr-3164	216	20	of	of	ADP
fsr-3164	216	21	these	these	DET
fsr-3164	216	22	two	two	NUM
fsr-3164	216	23	variables	variable	NOUN
fsr-3164	216	24	,	,	PUNCT
fsr-3164	216	25	or	or	CCONJ
fsr-3164	216	26	both	both	PRON
fsr-3164	216	27	together	together	ADV
fsr-3164	216	28	,	,	PUNCT
fsr-3164	216	29	or	or	CCONJ
fsr-3164	216	30	the	the	DET
fsr-3164	216	31	interaction	interaction	NOUN
fsr-3164	216	32	term	term	NOUN
fsr-3164	216	33	were	be	AUX
fsr-3164	216	34	controlled	control	VERB
fsr-3164	216	35	.	.	PUNCT
fsr-3164	217	1	individuals	individual	NOUN
fsr-3164	217	2	with	with	ADP
fsr-3164	217	3	good	good	ADJ
fsr-3164	217	4	financial	financial	ADJ
fsr-3164	217	5	knowledge	knowledge	NOUN
fsr-3164	217	6	are	be	AUX
fsr-3164	217	7	2.3	2.3	NUM
fsr-3164	217	8	%	%	NOUN
fsr-3164	217	9	to	to	ADP
fsr-3164	217	10	6.7	6.7	NUM
fsr-3164	217	11	%	%	NOUN
fsr-3164	217	12	more	more	ADV
fsr-3164	217	13	likely	likely	ADJ
fsr-3164	217	14	to	to	PART
fsr-3164	217	15	engage	engage	VERB
fsr-3164	217	16	in	in	ADP
fsr-3164	217	17	good	good	ADJ
fsr-3164	217	18	short	short	ADJ
fsr-3164	217	19	-	-	PUNCT
fsr-3164	217	20	term	term	NOUN
fsr-3164	217	21	financial	financial	ADJ
fsr-3164	217	22	behavior	behavior	NOUN
fsr-3164	217	23	.	.	PUNCT
fsr-3164	218	1	those	those	DET
fsr-3164	218	2	individuals	individual	NOUN
fsr-3164	218	3	with	with	ADP
fsr-3164	218	4	high	high	ADJ
fsr-3164	218	5	confidence	confidence	NOUN
fsr-3164	218	6	in	in	ADP
fsr-3164	218	7	their	their	PRON
fsr-3164	218	8	financial	financial	ADJ
fsr-3164	218	9	knowledge	knowledge	NOUN
fsr-3164	218	10	are	be	AUX
fsr-3164	218	11	17	17	NUM
fsr-3164	218	12	%	%	NOUN
fsr-3164	218	13	to	to	PART
fsr-3164	218	14	20	20	NUM
fsr-3164	218	15	%	%	NOUN
fsr-3164	218	16	more	more	ADV
fsr-3164	218	17	likely	likely	ADJ
fsr-3164	218	18	to	to	PART
fsr-3164	218	19	engage	engage	VERB
fsr-3164	218	20	in	in	ADP
fsr-3164	218	21	good	good	ADJ
fsr-3164	218	22	short	short	ADJ
fsr-3164	218	23	-	-	PUNCT
fsr-3164	218	24	term	term	NOUN
fsr-3164	218	25	financial	financial	ADJ
fsr-3164	218	26	behavior	behavior	NOUN
fsr-3164	218	27	.	.	PUNCT
fsr-3164	219	1	this	this	PRON
fsr-3164	219	2	means	mean	VERB
fsr-3164	219	3	that	that	SCONJ
fsr-3164	219	4	those	those	PRON
fsr-3164	219	5	who	who	PRON
fsr-3164	219	6	are	be	AUX
fsr-3164	219	7	confident	confident	ADJ
fsr-3164	219	8	in	in	ADP
fsr-3164	219	9	their	their	PRON
fsr-3164	219	10	financial	financial	ADJ
fsr-3164	219	11	knowledge	knowledge	NOUN
fsr-3164	219	12	have	have	VERB
fsr-3164	219	13	better	well	ADJ
fsr-3164	219	14	financial	financial	ADJ
fsr-3164	219	15	behavior	behavior	NOUN
fsr-3164	219	16	than	than	ADP
fsr-3164	219	17	those	those	PRON
fsr-3164	219	18	who	who	PRON
fsr-3164	219	19	only	only	ADV
fsr-3164	219	20	have	have	VERB
fsr-3164	219	21	financial	financial	ADJ
fsr-3164	219	22	knowledge	knowledge	NOUN
fsr-3164	219	23	.	.	PUNCT
fsr-3164	220	1	this	this	PRON
fsr-3164	220	2	is	be	AUX
fsr-3164	220	3	consistent	consistent	ADJ
fsr-3164	220	4	with	with	ADP
fsr-3164	220	5	henager	henager	ADV
fsr-3164	220	6	and	and	CCONJ
fsr-3164	220	7	cude	cude	ADJ
fsr-3164	220	8	(	(	PUNCT
fsr-3164	220	9	2016	2016	NUM
fsr-3164	220	10	)	)	PUNCT
fsr-3164	220	11	,	,	PUNCT
fsr-3164	220	12	who	who	PRON
fsr-3164	220	13	found	find	VERB
fsr-3164	220	14	that	that	SCONJ
fsr-3164	220	15	individuals	individual	NOUN
fsr-3164	220	16	with	with	ADP
fsr-3164	220	17	greater	great	ADJ
fsr-3164	220	18	confidence	confidence	NOUN
fsr-3164	220	19	had	have	VERB
fsr-3164	220	20	better	well	ADJ
fsr-3164	220	21	financial	financial	ADJ
fsr-3164	220	22	behavior	behavior	NOUN
fsr-3164	220	23	.	.	PUNCT
fsr-3164	221	1	individuals	individual	NOUN
fsr-3164	221	2	with	with	ADP
fsr-3164	221	3	both	both	CCONJ
fsr-3164	221	4	high	high	ADJ
fsr-3164	221	5	confidence	confidence	NOUN
fsr-3164	221	6	and	and	CCONJ
fsr-3164	221	7	knowledge	knowledge	NOUN
fsr-3164	221	8	are	be	AUX
fsr-3164	221	9	about	about	ADV
fsr-3164	221	10	4.5	4.5	NUM
fsr-3164	221	11	%	%	NOUN
fsr-3164	221	12	more	more	ADV
fsr-3164	221	13	likely	likely	ADJ
fsr-3164	221	14	to	to	PART
fsr-3164	221	15	engage	engage	VERB
fsr-3164	221	16	in	in	ADP
fsr-3164	221	17	good	good	ADJ
fsr-3164	221	18	short	short	ADJ
fsr-3164	221	19	-	-	PUNCT
fsr-3164	221	20	term	term	NOUN
fsr-3164	221	21	table	table	NOUN
fsr-3164	221	22	3	3	NUM
fsr-3164	221	23	logistic	logistic	ADJ
fsr-3164	221	24	regression	regression	NOUN
fsr-3164	221	25	predicting	predict	VERB
fsr-3164	221	26	a	a	DET
fsr-3164	221	27	measure	measure	NOUN
fsr-3164	221	28	of	of	ADP
fsr-3164	221	29	overall	overall	ADJ
fsr-3164	221	30	short	short	ADJ
fsr-3164	221	31	-	-	PUNCT
fsr-3164	221	32	term	term	NOUN
fsr-3164	221	33	financial	financial	ADJ
fsr-3164	221	34	behavior	behavior	NOUN
fsr-3164	221	35	short	short	ADJ
fsr-3164	221	36	-	-	PUNCT
fsr-3164	221	37	term	term	NOUN
fsr-3164	221	38	financial	financial	ADJ
fsr-3164	221	39	behavior	behavior	NOUN
fsr-3164	221	40	variables	variable	NOUN
fsr-3164	221	41	(	(	PUNCT
fsr-3164	221	42	1	1	NUM
fsr-3164	221	43	)	)	PUNCT
fsr-3164	221	44	(	(	PUNCT
fsr-3164	221	45	2	2	NUM
fsr-3164	221	46	)	)	PUNCT
fsr-3164	221	47	(	(	PUNCT
fsr-3164	221	48	3	3	X
fsr-3164	221	49	)	)	PUNCT
fsr-3164	221	50	(	(	PUNCT
fsr-3164	221	51	4	4	NUM
fsr-3164	221	52	)	)	PUNCT
fsr-3164	221	53	(	(	PUNCT
fsr-3164	221	54	5	5	NUM
fsr-3164	221	55	)	)	PUNCT
fsr-3164	221	56	(	(	PUNCT
fsr-3164	221	57	6	6	X
fsr-3164	221	58	)	)	PUNCT
fsr-3164	221	59	financial	financial	ADJ
fsr-3164	221	60	knowledge	knowledge	NOUN
fsr-3164	221	61	0.0696	0.0696	NUM
fsr-3164	221	62	*	*	PUNCT
fsr-3164	221	63	*	*	PUNCT
fsr-3164	221	64	*	*	PUNCT
fsr-3164	221	65	0.0520	0.0520	NUM
fsr-3164	221	66	*	*	PUNCT
fsr-3164	221	67	*	*	PUNCT
fsr-3164	221	68	*	*	PUNCT
fsr-3164	221	69	0.0243	0.0243	NUM
fsr-3164	221	70	*	*	PUNCT
fsr-3164	221	71	*	*	PUNCT
fsr-3164	221	72	0.0226	0.0226	NUM
fsr-3164	221	73	*	*	PUNCT
fsr-3164	221	74	*	*	PUNCT
fsr-3164	221	75	0.0229	0.0229	NUM
fsr-3164	221	76	*	*	PUNCT
fsr-3164	221	77	*	*	PUNCT
fsr-3164	221	78	(	(	PUNCT
fsr-3164	221	79	0.00648	0.00648	NUM
fsr-3164	221	80	)	)	PUNCT
fsr-3164	221	81	(	(	PUNCT
fsr-3164	221	82	0.00633	0.00633	NUM
fsr-3164	221	83	)	)	PUNCT
fsr-3164	221	84	(	(	PUNCT
fsr-3164	221	85	0.00972	0.00972	NUM
fsr-3164	221	86	)	)	PUNCT
fsr-3164	221	87	(	(	PUNCT
fsr-3164	221	88	0.00969	0.00969	NUM
fsr-3164	221	89	)	)	PUNCT
fsr-3164	221	90	(	(	PUNCT
fsr-3164	221	91	0.00966	0.00966	NUM
fsr-3164	221	92	)	)	PUNCT
fsr-3164	221	93	financial	financial	ADJ
fsr-3164	221	94	confidence	confidence	NOUN
fsr-3164	221	95	0.200	0.200	NUM
fsr-3164	221	96	*	*	PUNCT
fsr-3164	221	97	*	*	PUNCT
fsr-3164	221	98	*	*	PUNCT
fsr-3164	221	99	0.196	0.196	NUM
fsr-3164	221	100	*	*	PUNCT
fsr-3164	221	101	*	*	PUNCT
fsr-3164	221	102	*	*	PUNCT
fsr-3164	221	103	0.170	0.170	NUM
fsr-3164	221	104	*	*	PUNCT
fsr-3164	221	105	*	*	PUNCT
fsr-3164	221	106	*	*	PUNCT
fsr-3164	221	107	0.169	0.169	NUM
fsr-3164	221	108	*	*	PUNCT
fsr-3164	221	109	*	*	PUNCT
fsr-3164	221	110	*	*	PUNCT
fsr-3164	222	1	0.168	0.168	NUM
fsr-3164	222	2	*	*	PUNCT
fsr-3164	222	3	*	*	PUNCT
fsr-3164	222	4	*	*	PUNCT
fsr-3164	222	5	(	(	PUNCT
fsr-3164	222	6	0.00556	0.00556	NUM
fsr-3164	222	7	)	)	PUNCT
fsr-3164	222	8	(	(	PUNCT
fsr-3164	222	9	0.00559	0.00559	NUM
fsr-3164	222	10	)	)	PUNCT
fsr-3164	222	11	(	(	PUNCT
fsr-3164	222	12	0.00881	0.00881	NUM
fsr-3164	222	13	)	)	PUNCT
fsr-3164	222	14	(	(	PUNCT
fsr-3164	222	15	0.00879	0.00879	NUM
fsr-3164	222	16	)	)	PUNCT
fsr-3164	222	17	(	(	PUNCT
fsr-3164	222	18	0.00878	0.00878	NUM
fsr-3164	222	19	)	)	PUNCT
fsr-3164	222	20	financial	financial	ADJ
fsr-3164	222	21	knowledge	knowledge	NOUN
fsr-3164	222	22	*	*	PUNCT
fsr-3164	222	23	confidence	confidence	NOUN
fsr-3164	222	24	0.0454	0.0454	NUM
fsr-3164	222	25	*	*	PUNCT
fsr-3164	222	26	*	*	PUNCT
fsr-3164	222	27	*	*	PUNCT
fsr-3164	222	28	0.0430	0.0430	NUM
fsr-3164	222	29	*	*	PUNCT
fsr-3164	222	30	*	*	PUNCT
fsr-3164	222	31	*	*	PUNCT
fsr-3164	222	32	0.0414	0.0414	NUM
fsr-3164	222	33	*	*	PUNCT
fsr-3164	222	34	*	*	PUNCT
fsr-3164	222	35	*	*	PUNCT
fsr-3164	222	36	(	(	PUNCT
fsr-3164	222	37	0.0121	0.0121	NUM
fsr-3164	222	38	)	)	PUNCT
fsr-3164	222	39	(	(	PUNCT
fsr-3164	222	40	0.0121	0.0121	NUM
fsr-3164	222	41	)	)	PUNCT
fsr-3164	222	42	(	(	PUNCT
fsr-3164	222	43	0.0121	0.0121	NUM
fsr-3164	222	44	)	)	PUNCT
fsr-3164	222	45	tech	tech	NOUN
fsr-3164	222	46	-	-	PUNCT
fsr-3164	222	47	savvy	savvy	VERB
fsr-3164	222	48	�	�	NOUN
fsr-3164	222	49	0.0640	0.0640	NUM
fsr-3164	222	50	*	*	PUNCT
fsr-3164	222	51	*	*	PUNCT
fsr-3164	222	52	*	*	PUNCT
fsr-3164	222	53	(	(	PUNCT
fsr-3164	222	54	0.00658	0.00658	NUM
fsr-3164	222	55	)	)	PUNCT
fsr-3164	222	56	mobile	mobile	ADJ
fsr-3164	222	57	use	use	NOUN
fsr-3164	222	58	in	in	ADP
fsr-3164	222	59	person	person	NOUN
fsr-3164	222	60	�	�	PROPN
fsr-3164	222	61	0.0129	0.0129	NUM
fsr-3164	222	62	*	*	PUNCT
fsr-3164	222	63	(	(	PUNCT
fsr-3164	222	64	0.00727	0.00727	NUM
fsr-3164	222	65	)	)	PUNCT
fsr-3164	222	66	mobile	mobile	ADJ
fsr-3164	222	67	use	use	NOUN
fsr-3164	222	68	for	for	ADP
fsr-3164	222	69	transfer	transfer	NOUN
fsr-3164	222	70	�	�	NOUN
fsr-3164	222	71	0.0495	0.0495	NUM
fsr-3164	222	72	*	*	PUNCT
fsr-3164	222	73	*	*	PUNCT
fsr-3164	222	74	*	*	PUNCT
fsr-3164	222	75	(	(	PUNCT
fsr-3164	222	76	0.00717	0.00717	NUM
fsr-3164	222	77	)	)	PUNCT
fsr-3164	222	78	web	web	NOUN
fsr-3164	222	79	and	and	CCONJ
fsr-3164	222	80	app	app	NOUN
fsr-3164	222	81	for	for	ADP
fsr-3164	222	82	personal	personal	ADJ
fsr-3164	222	83	use	use	NOUN
fsr-3164	222	84	�	�	NOUN
fsr-3164	222	85	0.0415	0.0415	NUM
fsr-3164	222	86	*	*	PUNCT
fsr-3164	222	87	*	*	PUNCT
fsr-3164	222	88	*	*	PUNCT
fsr-3164	222	89	(	(	PUNCT
fsr-3164	222	90	0.00662	0.00662	NUM
fsr-3164	222	91	)	)	PUNCT
fsr-3164	222	92	web	web	NOUN
fsr-3164	222	93	and	and	CCONJ
fsr-3164	222	94	app	app	NOUN
fsr-3164	222	95	use	use	NOUN
fsr-3164	222	96	for	for	ADP
fsr-3164	222	97	work	work	NOUN
fsr-3164	222	98	0.00670	0.00670	NUM
fsr-3164	222	99	(	(	PUNCT
fsr-3164	222	100	0.0104	0.0104	NUM
fsr-3164	222	101	)	)	PUNCT
fsr-3164	222	102	pseudo	pseudo	NOUN
fsr-3164	222	103	r2	r2	NOUN
fsr-3164	222	104	0.227	0.227	NUM
fsr-3164	222	105	0.262	0.262	NUM
fsr-3164	222	106	0,264	0,264	NUM
fsr-3164	222	107	0.265	0.265	NUM
fsr-3164	222	108	0.268	0.268	NUM
fsr-3164	222	109	0.271	0.271	NUM
fsr-3164	222	110	observations	observation	NOUN
fsr-3164	222	111	19,725	19,725	NUM
fsr-3164	222	112	19,725	19,725	NUM
fsr-3164	222	113	19,725	19,725	NUM
fsr-3164	222	114	19,725	19,725	NUM
fsr-3164	222	115	19,725	19,725	NUM
fsr-3164	222	116	19,725	19,725	NUM
fsr-3164	222	117	note	note	NOUN
fsr-3164	222	118	.	.	PUNCT
fsr-3164	223	1	the	the	DET
fsr-3164	223	2	marginal	marginal	ADJ
fsr-3164	223	3	coefficients	coefficient	NOUN
fsr-3164	223	4	of	of	ADP
fsr-3164	223	5	other	other	ADJ
fsr-3164	223	6	control	control	NOUN
fsr-3164	223	7	variables	variable	NOUN
fsr-3164	223	8	(	(	PUNCT
fsr-3164	223	9	gender	gender	NOUN
fsr-3164	223	10	,	,	PUNCT
fsr-3164	223	11	education	education	NOUN
fsr-3164	223	12	level	level	NOUN
fsr-3164	223	13	,	,	PUNCT
fsr-3164	223	14	employment	employment	NOUN
fsr-3164	223	15	status	status	NOUN
fsr-3164	223	16	,	,	PUNCT
fsr-3164	223	17	marital	marital	ADJ
fsr-3164	223	18	status	status	NOUN
fsr-3164	223	19	,	,	PUNCT
fsr-3164	223	20	income	income	NOUN
fsr-3164	223	21	,	,	PUNCT
fsr-3164	223	22	race	race	NOUN
fsr-3164	223	23	,	,	PUNCT
fsr-3164	223	24	risk	risk	NOUN
fsr-3164	223	25	level	level	NOUN
fsr-3164	223	26	measures	measure	NOUN
fsr-3164	223	27	,	,	PUNCT
fsr-3164	223	28	and	and	CCONJ
fsr-3164	223	29	credit	credit	NOUN
fsr-3164	223	30	score	score	NOUN
fsr-3164	223	31	)	)	PUNCT
fsr-3164	223	32	are	be	AUX
fsr-3164	223	33	included	include	VERB
fsr-3164	223	34	in	in	ADP
fsr-3164	223	35	the	the	DET
fsr-3164	223	36	regression	regression	NOUN
fsr-3164	223	37	,	,	PUNCT
fsr-3164	223	38	not	not	PART
fsr-3164	223	39	reported	report	VERB
fsr-3164	223	40	here	here	ADV
fsr-3164	223	41	.	.	PUNCT
fsr-3164	224	1	standard	standard	ADJ
fsr-3164	224	2	errors	error	NOUN
fsr-3164	224	3	in	in	ADP
fsr-3164	224	4	parentheses	parenthesis	NOUN
fsr-3164	224	5	:	:	PUNCT
fsr-3164	224	6	*	*	PUNCT
fsr-3164	224	7	*	*	PUNCT
fsr-3164	224	8	*	*	PUNCT
fsr-3164	224	9	p	p	X
fsr-3164	224	10	<	<	X
fsr-3164	224	11	.01	.01	NUM
fsr-3164	224	12	,	,	PUNCT
fsr-3164	224	13	*	*	PUNCT
fsr-3164	224	14	*	*	PUNCT
fsr-3164	224	15	p	p	X
fsr-3164	224	16	<	<	X
fsr-3164	224	17	.05	.05	NUM
fsr-3164	224	18	,	,	PUNCT
fsr-3164	224	19	*	*	PUNCT
fsr-3164	224	20	p	p	X
fsr-3164	224	21	<	<	X
fsr-3164	224	22	.1	.1	PROPN
fsr-3164	224	23	.	.	PUNCT
fsr-3164	225	1	a.	a.	PROPN
fsr-3164	225	2	mussa	mussa	PROPN
fsr-3164	225	3	et	et	PROPN
fsr-3164	225	4	al	al	PROPN
fsr-3164	225	5	.	.	PUNCT
fsr-3164	225	6	/	/	SYM
fsr-3164	225	7	financial	financial	ADJ
fsr-3164	225	8	services	service	NOUN
fsr-3164	225	9	review	review	VERB
fsr-3164	225	10	30	30	NUM
fsr-3164	225	11	(	(	PUNCT
fsr-3164	225	12	2022	2022	NUM
fsr-3164	225	13	)	)	PUNCT
fsr-3164	226	1	273–296	273–296	NUM
fsr-3164	226	2	281	281	NUM
fsr-3164	226	3	financial	financial	ADJ
fsr-3164	226	4	behaviors	behavior	NOUN
fsr-3164	226	5	.	.	PUNCT
fsr-3164	227	1	as	as	SCONJ
fsr-3164	227	2	indicated	indicate	VERB
fsr-3164	227	3	in	in	ADP
fsr-3164	227	4	table	table	NOUN
fsr-3164	227	5	3	3	NUM
fsr-3164	227	6	,	,	PUNCT
fsr-3164	227	7	the	the	DET
fsr-3164	227	8	tech	tech	NOUN
fsr-3164	227	9	-	-	PUNCT
fsr-3164	227	10	savvy	savvy	ADJ
fsr-3164	227	11	variable	variable	NOUN
fsr-3164	227	12	is	be	AUX
fsr-3164	227	13	negatively	negatively	ADV
fsr-3164	227	14	associated	associate	VERB
fsr-3164	227	15	with	with	ADP
fsr-3164	227	16	good	good	ADJ
fsr-3164	227	17	short	short	ADJ
fsr-3164	227	18	-	-	PUNCT
fsr-3164	227	19	term	term	NOUN
fsr-3164	227	20	financial	financial	ADJ
fsr-3164	227	21	behavior	behavior	NOUN
fsr-3164	227	22	.	.	PUNCT
fsr-3164	228	1	that	that	PRON
fsr-3164	228	2	means	mean	VERB
fsr-3164	228	3	being	be	AUX
fsr-3164	228	4	tech	tech	NOUN
fsr-3164	228	5	-	-	PUNCT
fsr-3164	228	6	savvy	savvy	NOUN
fsr-3164	228	7	becomes	become	VERB
fsr-3164	228	8	more	more	ADJ
fsr-3164	228	9	of	of	ADP
fsr-3164	228	10	a	a	DET
fsr-3164	228	11	distraction	distraction	NOUN
fsr-3164	228	12	,	,	PUNCT
fsr-3164	228	13	and	and	CCONJ
fsr-3164	228	14	may	may	AUX
fsr-3164	228	15	lead	lead	VERB
fsr-3164	228	16	to	to	ADP
fsr-3164	228	17	poor	poor	ADJ
fsr-3164	228	18	management	management	NOUN
fsr-3164	228	19	of	of	ADP
fsr-3164	228	20	personal	personal	ADJ
fsr-3164	228	21	finance	finance	NOUN
fsr-3164	228	22	.	.	PUNCT
fsr-3164	229	1	when	when	SCONJ
fsr-3164	229	2	examining	examine	VERB
fsr-3164	229	3	the	the	DET
fsr-3164	229	4	individual	individual	ADJ
fsr-3164	229	5	measures	measure	NOUN
fsr-3164	229	6	of	of	ADP
fsr-3164	229	7	tech	tech	NOUN
fsr-3164	229	8	-	-	PUNCT
fsr-3164	229	9	savvy	savvy	ADJ
fsr-3164	229	10	variables	variable	NOUN
fsr-3164	229	11	,	,	PUNCT
fsr-3164	229	12	we	we	PRON
fsr-3164	229	13	find	find	VERB
fsr-3164	229	14	mobile	mobile	ADJ
fsr-3164	229	15	use	use	NOUN
fsr-3164	229	16	in	in	ADP
fsr-3164	229	17	person	person	NOUN
fsr-3164	229	18	,	,	PUNCT
fsr-3164	229	19	mobile	mobile	ADJ
fsr-3164	229	20	use	use	NOUN
fsr-3164	229	21	for	for	ADP
fsr-3164	229	22	transfer	transfer	NOUN
fsr-3164	229	23	,	,	PUNCT
fsr-3164	229	24	and	and	CCONJ
fsr-3164	229	25	web	web	NOUN
fsr-3164	229	26	and	and	CCONJ
fsr-3164	229	27	app	app	NOUN
fsr-3164	229	28	for	for	ADP
fsr-3164	229	29	personal	personal	ADJ
fsr-3164	229	30	use	use	NOUN
fsr-3164	229	31	are	be	AUX
fsr-3164	229	32	negative	negative	ADJ
fsr-3164	229	33	and	and	CCONJ
fsr-3164	229	34	significant	significant	ADJ
fsr-3164	229	35	.	.	PUNCT
fsr-3164	230	1	individuals	individual	NOUN
fsr-3164	230	2	who	who	PRON
fsr-3164	230	3	use	use	VERB
fsr-3164	230	4	their	their	PRON
fsr-3164	230	5	mobile	mobile	ADJ
fsr-3164	230	6	phone	phone	NOUN
fsr-3164	230	7	for	for	ADP
fsr-3164	230	8	personal	personal	ADJ
fsr-3164	230	9	use	use	NOUN
fsr-3164	230	10	are	be	AUX
fsr-3164	230	11	1.3	1.3	NUM
fsr-3164	230	12	%	%	NOUN
fsr-3164	230	13	less	less	ADV
fsr-3164	230	14	likely	likely	ADJ
fsr-3164	230	15	to	to	PART
fsr-3164	230	16	engage	engage	VERB
fsr-3164	230	17	in	in	ADP
fsr-3164	230	18	good	good	ADJ
fsr-3164	230	19	short	short	ADJ
fsr-3164	230	20	-	-	PUNCT
fsr-3164	230	21	term	term	NOUN
fsr-3164	230	22	financial	financial	ADJ
fsr-3164	230	23	behavior	behavior	NOUN
fsr-3164	230	24	,	,	PUNCT
fsr-3164	230	25	with	with	ADP
fsr-3164	230	26	mobile	mobile	ADJ
fsr-3164	230	27	use	use	NOUN
fsr-3164	230	28	for	for	ADP
fsr-3164	230	29	transfers	transfer	NOUN
fsr-3164	230	30	at	at	ADP
fsr-3164	230	31	5	5	NUM
fsr-3164	230	32	%	%	NOUN
fsr-3164	230	33	and	and	CCONJ
fsr-3164	230	34	web	web	NOUN
fsr-3164	230	35	and	and	CCONJ
fsr-3164	230	36	app	app	NOUN
fsr-3164	230	37	for	for	ADP
fsr-3164	230	38	personal	personal	ADJ
fsr-3164	230	39	use	use	NOUN
fsr-3164	230	40	at	at	ADP
fsr-3164	230	41	4.2	4.2	NUM
fsr-3164	230	42	%	%	NOUN
fsr-3164	230	43	.	.	PUNCT
fsr-3164	231	1	using	use	VERB
fsr-3164	231	2	mobile	mobile	ADJ
fsr-3164	231	3	phones	phone	NOUN
fsr-3164	231	4	could	could	AUX
fsr-3164	231	5	trigger	trigger	VERB
fsr-3164	231	6	over	over	ADP
fsr-3164	231	7	spending	spending	NOUN
fsr-3164	231	8	because	because	SCONJ
fsr-3164	231	9	of	of	ADP
fsr-3164	231	10	pop	pop	VERB
fsr-3164	231	11	-	-	PUNCT
fsr-3164	231	12	up	up	ADP
fsr-3164	231	13	ads	ad	NOUN
fsr-3164	231	14	by	by	ADP
fsr-3164	231	15	impulsive	impulsive	ADJ
fsr-3164	231	16	online	online	ADJ
fsr-3164	231	17	purchases	purchase	NOUN
fsr-3164	231	18	for	for	ADP
fsr-3164	231	19	convenience	convenience	NOUN
fsr-3164	231	20	.	.	PUNCT
fsr-3164	232	1	table	table	NOUN
fsr-3164	232	2	4	4	NUM
fsr-3164	232	3	below	below	ADV
fsr-3164	232	4	shows	show	VERB
fsr-3164	232	5	the	the	DET
fsr-3164	232	6	result	result	NOUN
fsr-3164	232	7	of	of	ADP
fsr-3164	232	8	the	the	DET
fsr-3164	232	9	logistic	logistic	ADJ
fsr-3164	232	10	regression	regression	NOUN
fsr-3164	232	11	when	when	SCONJ
fsr-3164	232	12	the	the	DET
fsr-3164	232	13	dependent	dependent	ADJ
fsr-3164	232	14	variables	variable	NOUN
fsr-3164	232	15	are	be	AUX
fsr-3164	232	16	individual	individual	ADJ
fsr-3164	232	17	measures	measure	NOUN
fsr-3164	232	18	of	of	ADP
fsr-3164	232	19	short	short	ADJ
fsr-3164	232	20	-	-	PUNCT
fsr-3164	232	21	term	term	NOUN
fsr-3164	232	22	financial	financial	ADJ
fsr-3164	232	23	behavior	behavior	NOUN
fsr-3164	232	24	(	(	PUNCT
fsr-3164	232	25	paid	pay	VERB
fsr-3164	232	26	credit	credit	NOUN
fsr-3164	232	27	card	card	NOUN
fsr-3164	232	28	in	in	ADP
fsr-3164	232	29	full	full	ADJ
fsr-3164	232	30	,	,	PUNCT
fsr-3164	232	31	spending	spend	VERB
fsr-3164	232	32	less	less	ADV
fsr-3164	232	33	or	or	CCONJ
fsr-3164	232	34	equal	equal	ADJ
fsr-3164	232	35	to	to	PART
fsr-3164	232	36	income	income	VERB
fsr-3164	232	37	each	each	DET
fsr-3164	232	38	month	month	NOUN
fsr-3164	232	39	,	,	PUNCT
fsr-3164	232	40	and	and	CCONJ
fsr-3164	232	41	not	not	PART
fsr-3164	232	42	overdrawing	overdraw	VERB
fsr-3164	232	43	checking	check	VERB
fsr-3164	232	44	accounts	account	NOUN
fsr-3164	232	45	)	)	PUNCT
fsr-3164	232	46	.	.	PUNCT
fsr-3164	233	1	the	the	DET
fsr-3164	233	2	results	result	NOUN
fsr-3164	233	3	of	of	ADP
fsr-3164	233	4	the	the	DET
fsr-3164	233	5	regression	regression	NOUN
fsr-3164	233	6	,	,	PUNCT
fsr-3164	233	7	as	as	SCONJ
fsr-3164	233	8	reported	report	VERB
fsr-3164	233	9	in	in	ADP
fsr-3164	233	10	column	column	NOUN
fsr-3164	233	11	1	1	NUM
fsr-3164	233	12	,	,	PUNCT
fsr-3164	233	13	indicate	indicate	VERB
fsr-3164	233	14	individuals	individual	NOUN
fsr-3164	233	15	who	who	PRON
fsr-3164	233	16	paid	pay	VERB
fsr-3164	233	17	their	their	PRON
fsr-3164	233	18	credit	credit	NOUN
fsr-3164	233	19	card	card	NOUN
fsr-3164	233	20	in	in	ADP
fsr-3164	233	21	full	full	ADJ
fsr-3164	233	22	tend	tend	NOUN
fsr-3164	233	23	to	to	PART
fsr-3164	233	24	be	be	AUX
fsr-3164	233	25	more	more	ADV
fsr-3164	233	26	likely	likely	ADJ
fsr-3164	233	27	to	to	PART
fsr-3164	233	28	have	have	VERB
fsr-3164	233	29	better	well	ADJ
fsr-3164	233	30	financial	financial	ADJ
fsr-3164	233	31	knowledge	knowledge	NOUN
fsr-3164	233	32	,	,	PUNCT
fsr-3164	233	33	greater	great	ADJ
fsr-3164	233	34	overall	overall	ADJ
fsr-3164	233	35	financial	financial	ADJ
fsr-3164	233	36	confidence	confidence	NOUN
fsr-3164	233	37	,	,	PUNCT
fsr-3164	233	38	and	and	CCONJ
fsr-3164	233	39	use	use	VERB
fsr-3164	233	40	web	web	NOUN
fsr-3164	233	41	and	and	CCONJ
fsr-3164	233	42	app	app	NOUN
fsr-3164	233	43	for	for	ADP
fsr-3164	233	44	work	work	NOUN
fsr-3164	233	45	.	.	PUNCT
fsr-3164	234	1	individuals	individual	NOUN
fsr-3164	234	2	who	who	PRON
fsr-3164	234	3	use	use	VERB
fsr-3164	234	4	the	the	DET
fsr-3164	234	5	web	web	NOUN
fsr-3164	234	6	and	and	CCONJ
fsr-3164	234	7	app	app	NOUN
fsr-3164	234	8	for	for	ADP
fsr-3164	234	9	work	work	NOUN
fsr-3164	234	10	are	be	AUX
fsr-3164	234	11	9.1	9.1	NUM
fsr-3164	234	12	%	%	NOUN
fsr-3164	234	13	more	more	ADV
fsr-3164	234	14	likely	likely	ADJ
fsr-3164	234	15	to	to	PART
fsr-3164	234	16	pay	pay	VERB
fsr-3164	234	17	their	their	PRON
fsr-3164	234	18	credit	credit	NOUN
fsr-3164	234	19	card	card	NOUN
fsr-3164	234	20	in	in	ADP
fsr-3164	234	21	full	full	ADJ
fsr-3164	234	22	each	each	DET
fsr-3164	234	23	month	month	NOUN
fsr-3164	234	24	.	.	PUNCT
fsr-3164	235	1	this	this	PRON
fsr-3164	235	2	could	could	AUX
fsr-3164	235	3	be	be	AUX
fsr-3164	235	4	due	due	ADJ
fsr-3164	235	5	to	to	ADP
fsr-3164	235	6	the	the	DET
fsr-3164	235	7	ease	ease	NOUN
fsr-3164	235	8	and	and	CCONJ
fsr-3164	235	9	usage	usage	NOUN
fsr-3164	235	10	of	of	ADP
fsr-3164	235	11	banking	banking	NOUN
fsr-3164	235	12	apps	app	NOUN
fsr-3164	235	13	for	for	ADP
fsr-3164	235	14	timely	timely	ADJ
fsr-3164	235	15	payments	payment	NOUN
fsr-3164	235	16	.	.	PUNCT
fsr-3164	236	1	additionally	additionally	ADV
fsr-3164	236	2	,	,	PUNCT
fsr-3164	236	3	individuals	individual	NOUN
fsr-3164	236	4	paying	pay	VERB
fsr-3164	236	5	off	off	ADP
fsr-3164	236	6	a	a	DET
fsr-3164	236	7	credit	credit	NOUN
fsr-3164	236	8	card	card	NOUN
fsr-3164	236	9	balance	balance	NOUN
fsr-3164	236	10	in	in	ADP
fsr-3164	236	11	full	full	ADJ
fsr-3164	236	12	are	be	AUX
fsr-3164	236	13	less	less	ADV
fsr-3164	236	14	likely	likely	ADJ
fsr-3164	236	15	to	to	PART
fsr-3164	236	16	be	be	AUX
fsr-3164	236	17	tech	tech	NOUN
fsr-3164	236	18	-	-	PUNCT
fsr-3164	236	19	savvy	savvy	ADJ
fsr-3164	236	20	,	,	PUNCT
fsr-3164	236	21	use	use	VERB
fsr-3164	236	22	mobile	mobile	NOUN
fsr-3164	236	23	for	for	ADP
fsr-3164	236	24	transfers	transfer	NOUN
fsr-3164	236	25	,	,	PUNCT
fsr-3164	236	26	or	or	CCONJ
fsr-3164	236	27	use	use	VERB
fsr-3164	236	28	the	the	DET
fsr-3164	236	29	web	web	NOUN
fsr-3164	236	30	or	or	CCONJ
fsr-3164	236	31	mobile	mobile	ADJ
fsr-3164	236	32	apps	app	NOUN
fsr-3164	236	33	for	for	ADP
fsr-3164	236	34	personal	personal	ADJ
fsr-3164	236	35	use	use	NOUN
fsr-3164	236	36	.	.	PUNCT
fsr-3164	237	1	for	for	ADP
fsr-3164	237	2	the	the	DET
fsr-3164	237	3	behavior	behavior	NOUN
fsr-3164	237	4	of	of	ADP
fsr-3164	237	5	spending	spend	VERB
fsr-3164	237	6	less	less	ADV
fsr-3164	237	7	or	or	CCONJ
fsr-3164	237	8	equal	equal	ADJ
fsr-3164	237	9	to	to	PART
fsr-3164	237	10	income	income	VERB
fsr-3164	237	11	each	each	DET
fsr-3164	237	12	month	month	NOUN
fsr-3164	237	13	,	,	PUNCT
fsr-3164	237	14	financial	financial	ADJ
fsr-3164	237	15	confidence	confidence	NOUN
fsr-3164	237	16	and	and	CCONJ
fsr-3164	237	17	financial	financial	ADJ
fsr-3164	237	18	knowledge*confidence	knowledge*confidence	NOUN
fsr-3164	237	19	are	be	AUX
fsr-3164	237	20	positive	positive	ADJ
fsr-3164	237	21	and	and	CCONJ
fsr-3164	237	22	significant	significant	ADJ
fsr-3164	237	23	.	.	PUNCT
fsr-3164	238	1	tech	tech	NOUN
fsr-3164	238	2	-	-	PUNCT
fsr-3164	238	3	savvy	savvy	ADJ
fsr-3164	238	4	,	,	PUNCT
fsr-3164	238	5	mobile	mobile	ADJ
fsr-3164	238	6	use	use	NOUN
fsr-3164	238	7	in	in	ADP
fsr-3164	238	8	person	person	NOUN
fsr-3164	238	9	and	and	CCONJ
fsr-3164	238	10	for	for	ADP
fsr-3164	238	11	transfer	transfer	NOUN
fsr-3164	238	12	,	,	PUNCT
fsr-3164	238	13	and	and	CCONJ
fsr-3164	238	14	web	web	NOUN
fsr-3164	238	15	and	and	CCONJ
fsr-3164	238	16	app	app	NOUN
fsr-3164	238	17	for	for	ADP
fsr-3164	238	18	personal	personal	ADJ
fsr-3164	238	19	use	use	NOUN
fsr-3164	238	20	and	and	CCONJ
fsr-3164	238	21	work	work	NOUN
fsr-3164	238	22	,	,	PUNCT
fsr-3164	238	23	are	be	AUX
fsr-3164	238	24	all	all	ADV
fsr-3164	238	25	significant	significant	ADJ
fsr-3164	238	26	and	and	CCONJ
fsr-3164	238	27	negative	negative	ADJ
fsr-3164	238	28	.	.	PUNCT
fsr-3164	239	1	this	this	PRON
fsr-3164	239	2	indicates	indicate	VERB
fsr-3164	239	3	being	be	AUX
fsr-3164	239	4	more	more	ADV
fsr-3164	239	5	tech	tech	NOUN
fsr-3164	239	6	-	-	PUNCT
fsr-3164	239	7	savvy	savvy	ADJ
fsr-3164	239	8	and	and	CCONJ
fsr-3164	239	9	increased	increase	VERB
fsr-3164	239	10	use	use	NOUN
fsr-3164	239	11	of	of	ADP
fsr-3164	239	12	technology	technology	NOUN
fsr-3164	239	13	may	may	AUX
fsr-3164	239	14	cause	cause	VERB
fsr-3164	239	15	individuals	individual	NOUN
fsr-3164	239	16	to	to	PART
fsr-3164	239	17	poorly	poorly	ADV
fsr-3164	239	18	manage	manage	VERB
fsr-3164	239	19	their	their	PRON
fsr-3164	239	20	spending	spending	NOUN
fsr-3164	239	21	.	.	PUNCT
fsr-3164	240	1	technology	technology	NOUN
fsr-3164	240	2	can	can	AUX
fsr-3164	240	3	make	make	VERB
fsr-3164	240	4	overspending	overspending	NOUN
fsr-3164	240	5	easier	easy	ADJ
fsr-3164	240	6	by	by	ADP
fsr-3164	240	7	being	be	AUX
fsr-3164	240	8	able	able	ADJ
fsr-3164	240	9	to	to	PART
fsr-3164	240	10	make	make	VERB
fsr-3164	240	11	purchases	purchase	NOUN
fsr-3164	240	12	from	from	ADP
fsr-3164	240	13	a	a	DET
fsr-3164	240	14	phone	phone	NOUN
fsr-3164	240	15	.	.	PUNCT
fsr-3164	241	1	some	some	DET
fsr-3164	241	2	apps	app	NOUN
fsr-3164	241	3	,	,	PUNCT
fsr-3164	241	4	such	such	ADJ
fsr-3164	241	5	as	as	ADP
fsr-3164	241	6	amazon	amazon	NOUN
fsr-3164	241	7	,	,	PUNCT
fsr-3164	241	8	can	can	AUX
fsr-3164	241	9	save	save	VERB
fsr-3164	241	10	your	your	PRON
fsr-3164	241	11	information	information	NOUN
fsr-3164	241	12	for	for	ADP
fsr-3164	241	13	very	very	ADV
fsr-3164	241	14	smooth	smooth	ADJ
fsr-3164	241	15	transactions	transaction	NOUN
fsr-3164	241	16	.	.	PUNCT
fsr-3164	242	1	for	for	ADP
fsr-3164	242	2	the	the	DET
fsr-3164	242	3	last	last	ADJ
fsr-3164	242	4	individual	individual	ADJ
fsr-3164	242	5	measure	measure	NOUN
fsr-3164	242	6	of	of	ADP
fsr-3164	242	7	not	not	PART
fsr-3164	242	8	overdrawing	overdraw	VERB
fsr-3164	242	9	checking	check	VERB
fsr-3164	242	10	accounts	account	NOUN
fsr-3164	242	11	,	,	PUNCT
fsr-3164	242	12	financial	financial	ADJ
fsr-3164	242	13	knowledge	knowledge	NOUN
fsr-3164	242	14	,	,	PUNCT
fsr-3164	242	15	and	and	CCONJ
fsr-3164	242	16	overall	overall	ADJ
fsr-3164	242	17	financial	financial	ADJ
fsr-3164	242	18	confidence	confidence	NOUN
fsr-3164	242	19	are	be	AUX
fsr-3164	242	20	positive	positive	ADJ
fsr-3164	242	21	and	and	CCONJ
fsr-3164	242	22	significant	significant	ADJ
fsr-3164	242	23	.	.	PUNCT
fsr-3164	243	1	tech	tech	NOUN
fsr-3164	243	2	-	-	PUNCT
fsr-3164	243	3	savvy	savvy	ADJ
fsr-3164	243	4	,	,	PUNCT
fsr-3164	243	5	mobile	mobile	ADJ
fsr-3164	243	6	use	use	NOUN
fsr-3164	243	7	in	in	ADP
fsr-3164	243	8	person	person	NOUN
fsr-3164	243	9	and	and	CCONJ
fsr-3164	243	10	for	for	ADP
fsr-3164	243	11	transfer	transfer	NOUN
fsr-3164	243	12	,	,	PUNCT
fsr-3164	243	13	web	web	NOUN
fsr-3164	243	14	,	,	PUNCT
fsr-3164	243	15	and	and	CCONJ
fsr-3164	243	16	app	app	NOUN
fsr-3164	243	17	use	use	NOUN
fsr-3164	243	18	for	for	ADP
fsr-3164	243	19	personal	personal	ADJ
fsr-3164	243	20	and	and	CCONJ
fsr-3164	243	21	work	work	NOUN
fsr-3164	243	22	are	be	AUX
fsr-3164	243	23	all	all	ADV
fsr-3164	243	24	significant	significant	ADJ
fsr-3164	243	25	and	and	CCONJ
fsr-3164	243	26	negative	negative	ADJ
fsr-3164	243	27	.	.	PUNCT
fsr-3164	244	1	again	again	ADV
fsr-3164	244	2	,	,	PUNCT
fsr-3164	244	3	this	this	PRON
fsr-3164	244	4	indicates	indicate	VERB
fsr-3164	244	5	that	that	SCONJ
fsr-3164	244	6	those	those	PRON
fsr-3164	244	7	that	that	PRON
fsr-3164	244	8	are	be	AUX
fsr-3164	244	9	more	more	ADV
fsr-3164	244	10	likely	likely	ADJ
fsr-3164	244	11	to	to	PART
fsr-3164	244	12	use	use	VERB
fsr-3164	244	13	technology	technology	NOUN
fsr-3164	244	14	are	be	AUX
fsr-3164	244	15	spending	spend	VERB
fsr-3164	244	16	more	more	ADJ
fsr-3164	244	17	than	than	SCONJ
fsr-3164	244	18	they	they	PRON
fsr-3164	244	19	have	have	AUX
fsr-3164	244	20	causing	cause	VERB
fsr-3164	244	21	an	an	DET
fsr-3164	244	22	overdraft	overdraft	NOUN
fsr-3164	244	23	in	in	ADP
fsr-3164	244	24	their	their	PRON
fsr-3164	244	25	checking	checking	NOUN
fsr-3164	244	26	account	account	NOUN
fsr-3164	244	27	.	.	PUNCT
fsr-3164	245	1	this	this	PRON
fsr-3164	245	2	could	could	AUX
fsr-3164	245	3	be	be	AUX
fsr-3164	245	4	related	relate	VERB
fsr-3164	245	5	to	to	ADP
fsr-3164	245	6	the	the	DET
fsr-3164	245	7	impulsive	impulsive	ADJ
fsr-3164	245	8	shopping	shopping	NOUN
fsr-3164	245	9	online	online	ADV
fsr-3164	245	10	from	from	ADP
fsr-3164	245	11	a	a	DET
fsr-3164	245	12	phone	phone	NOUN
fsr-3164	245	13	or	or	CCONJ
fsr-3164	245	14	computer	computer	NOUN
fsr-3164	245	15	.	.	PUNCT
fsr-3164	246	1	financial	financial	ADJ
fsr-3164	246	2	knowledge	knowledge	NOUN
fsr-3164	246	3	positively	positively	ADV
fsr-3164	246	4	and	and	CCONJ
fsr-3164	246	5	significantly	significantly	ADV
fsr-3164	246	6	explains	explain	VERB
fsr-3164	246	7	the	the	DET
fsr-3164	246	8	overall	overall	ADJ
fsr-3164	246	9	long	long	ADJ
fsr-3164	246	10	-	-	PUNCT
fsr-3164	246	11	term	term	NOUN
fsr-3164	246	12	financial	financial	ADJ
fsr-3164	246	13	behavior	behavior	NOUN
fsr-3164	246	14	,	,	PUNCT
fsr-3164	246	15	as	as	SCONJ
fsr-3164	246	16	indicated	indicate	VERB
fsr-3164	246	17	in	in	ADP
fsr-3164	246	18	the	the	DET
fsr-3164	246	19	six	six	NUM
fsr-3164	246	20	different	different	ADJ
fsr-3164	246	21	specification	specification	NOUN
fsr-3164	246	22	/	/	SYM
fsr-3164	246	23	regression	regression	NOUN
fsr-3164	246	24	results	result	NOUN
fsr-3164	246	25	as	as	SCONJ
fsr-3164	246	26	shown	show	VERB
fsr-3164	246	27	in	in	ADP
fsr-3164	246	28	table	table	NOUN
fsr-3164	246	29	5	5	NUM
fsr-3164	246	30	.	.	PUNCT
fsr-3164	246	31	individuals	individual	NOUN
fsr-3164	246	32	with	with	ADP
fsr-3164	246	33	good	good	ADJ
fsr-3164	246	34	financial	financial	ADJ
fsr-3164	246	35	knowledge	knowledge	NOUN
fsr-3164	246	36	were	be	AUX
fsr-3164	246	37	8.0	8.0	NUM
fsr-3164	246	38	%	%	NOUN
fsr-3164	246	39	to	to	ADP
fsr-3164	246	40	10.4	10.4	NUM
fsr-3164	246	41	%	%	NOUN
fsr-3164	246	42	more	more	ADV
fsr-3164	246	43	likely	likely	ADJ
fsr-3164	246	44	to	to	PART
fsr-3164	246	45	engage	engage	VERB
fsr-3164	246	46	in	in	ADP
fsr-3164	246	47	good	good	ADJ
fsr-3164	246	48	or	or	CCONJ
fsr-3164	246	49	strong	strong	ADJ
fsr-3164	246	50	long	long	ADJ
fsr-3164	246	51	-	-	PUNCT
fsr-3164	246	52	term	term	NOUN
fsr-3164	246	53	financial	financial	ADJ
fsr-3164	246	54	behavior	behavior	NOUN
fsr-3164	246	55	.	.	PUNCT
fsr-3164	247	1	individuals	individual	NOUN
fsr-3164	247	2	with	with	ADP
fsr-3164	247	3	better	well	ADJ
fsr-3164	247	4	than	than	ADP
fsr-3164	247	5	average	average	ADJ
fsr-3164	247	6	financial	financial	ADJ
fsr-3164	247	7	confidence	confidence	NOUN
fsr-3164	247	8	are	be	AUX
fsr-3164	247	9	15.7	15.7	NUM
fsr-3164	247	10	%	%	NOUN
fsr-3164	247	11	to	to	ADP
fsr-3164	247	12	17.8	17.8	NUM
fsr-3164	247	13	%	%	NOUN
fsr-3164	247	14	more	more	ADV
fsr-3164	247	15	likely	likely	ADJ
fsr-3164	247	16	to	to	PART
fsr-3164	247	17	engage	engage	VERB
fsr-3164	247	18	in	in	ADP
fsr-3164	247	19	good	good	ADJ
fsr-3164	247	20	long	long	ADJ
fsr-3164	247	21	-	-	PUNCT
fsr-3164	247	22	term	term	NOUN
fsr-3164	247	23	financial	financial	ADJ
fsr-3164	247	24	behavior	behavior	NOUN
fsr-3164	247	25	.	.	PUNCT
fsr-3164	248	1	the	the	DET
fsr-3164	248	2	tech	tech	NOUN
fsr-3164	248	3	-	-	PUNCT
fsr-3164	248	4	savvy	savvy	ADJ
fsr-3164	248	5	variable	variable	NOUN
fsr-3164	248	6	positively	positively	ADV
fsr-3164	248	7	and	and	CCONJ
fsr-3164	248	8	significantly	significantly	ADV
fsr-3164	248	9	explains	explain	VERB
fsr-3164	248	10	long	long	ADJ
fsr-3164	248	11	-	-	PUNCT
fsr-3164	248	12	term	term	NOUN
fsr-3164	248	13	financial	financial	ADJ
fsr-3164	248	14	behavior	behavior	NOUN
fsr-3164	248	15	.	.	PUNCT
fsr-3164	249	1	the	the	DET
fsr-3164	249	2	same	same	ADJ
fsr-3164	249	3	is	be	AUX
fsr-3164	249	4	true	true	ADJ
fsr-3164	249	5	for	for	ADP
fsr-3164	249	6	web	web	NOUN
fsr-3164	249	7	and	and	CCONJ
fsr-3164	249	8	app	app	NOUN
fsr-3164	249	9	use	use	NOUN
fsr-3164	249	10	for	for	ADP
fsr-3164	249	11	personal	personal	ADJ
fsr-3164	249	12	use	use	NOUN
fsr-3164	249	13	and	and	CCONJ
fsr-3164	249	14	for	for	ADP
fsr-3164	249	15	work	work	NOUN
fsr-3164	249	16	.	.	PUNCT
fsr-3164	250	1	individuals	individual	NOUN
fsr-3164	250	2	who	who	PRON
fsr-3164	250	3	use	use	VERB
fsr-3164	250	4	the	the	DET
fsr-3164	250	5	web	web	NOUN
fsr-3164	250	6	or	or	CCONJ
fsr-3164	250	7	app	app	NOUN
fsr-3164	250	8	for	for	ADP
fsr-3164	250	9	personal	personal	ADJ
fsr-3164	250	10	use	use	NOUN
fsr-3164	250	11	and	and	CCONJ
fsr-3164	250	12	for	for	ADP
fsr-3164	250	13	work	work	NOUN
fsr-3164	250	14	were	be	AUX
fsr-3164	250	15	3.5	3.5	NUM
fsr-3164	250	16	%	%	NOUN
fsr-3164	250	17	and	and	CCONJ
fsr-3164	250	18	3	3	NUM
fsr-3164	250	19	%	%	NOUN
fsr-3164	250	20	,	,	PUNCT
fsr-3164	250	21	respectively	respectively	ADV
fsr-3164	250	22	,	,	PUNCT
fsr-3164	250	23	more	more	ADV
fsr-3164	250	24	likely	likely	ADJ
fsr-3164	250	25	to	to	PART
fsr-3164	250	26	engage	engage	VERB
fsr-3164	250	27	in	in	ADP
fsr-3164	250	28	good	good	ADJ
fsr-3164	250	29	financial	financial	ADJ
fsr-3164	250	30	behavior	behavior	NOUN
fsr-3164	250	31	in	in	ADP
fsr-3164	250	32	the	the	DET
fsr-3164	250	33	long	long	ADJ
fsr-3164	250	34	term	term	NOUN
fsr-3164	250	35	.	.	PUNCT
fsr-3164	251	1	these	these	DET
fsr-3164	251	2	individuals	individual	NOUN
fsr-3164	251	3	could	could	AUX
fsr-3164	251	4	be	be	AUX
fsr-3164	251	5	using	use	VERB
fsr-3164	251	6	their	their	PRON
fsr-3164	251	7	phones	phone	NOUN
fsr-3164	251	8	to	to	PART
fsr-3164	251	9	keep	keep	VERB
fsr-3164	251	10	track	track	NOUN
fsr-3164	251	11	of	of	ADP
fsr-3164	251	12	their	their	PRON
fsr-3164	251	13	finances	finance	NOUN
fsr-3164	251	14	and	and	CCONJ
fsr-3164	251	15	using	use	VERB
fsr-3164	251	16	apps	app	NOUN
fsr-3164	251	17	to	to	PART
fsr-3164	251	18	help	help	VERB
fsr-3164	251	19	save	save	VERB
fsr-3164	251	20	for	for	ADP
fsr-3164	251	21	retirement	retirement	NOUN
fsr-3164	251	22	.	.	PUNCT
fsr-3164	252	1	they	they	PRON
fsr-3164	252	2	could	could	AUX
fsr-3164	252	3	be	be	AUX
fsr-3164	252	4	using	use	VERB
fsr-3164	252	5	apps	app	NOUN
fsr-3164	252	6	to	to	PART
fsr-3164	252	7	track	track	VERB
fsr-3164	252	8	their	their	PRON
fsr-3164	252	9	long	long	ADJ
fsr-3164	252	10	-	-	PUNCT
fsr-3164	252	11	term	term	NOUN
fsr-3164	252	12	investments	investment	NOUN
fsr-3164	252	13	.	.	PUNCT
fsr-3164	253	1	in	in	ADP
fsr-3164	253	2	general	general	ADJ
fsr-3164	253	3	,	,	PUNCT
fsr-3164	253	4	technology	technology	NOUN
fsr-3164	253	5	use	use	NOUN
fsr-3164	253	6	and	and	CCONJ
fsr-3164	253	7	easy	easy	ADJ
fsr-3164	253	8	adoption	adoption	NOUN
fsr-3164	253	9	could	could	AUX
fsr-3164	253	10	be	be	AUX
fsr-3164	253	11	helpful	helpful	ADJ
fsr-3164	253	12	for	for	ADP
fsr-3164	253	13	efficient	efficient	ADJ
fsr-3164	253	14	planning	planning	NOUN
fsr-3164	253	15	and	and	CCONJ
fsr-3164	253	16	managing	manage	VERB
fsr-3164	253	17	personal	personal	ADJ
fsr-3164	253	18	finance	finance	NOUN
fsr-3164	253	19	.	.	PUNCT
fsr-3164	254	1	282	282	NUM
fsr-3164	254	2	a.	a.	NOUN
fsr-3164	254	3	mussa	mussa	PROPN
fsr-3164	254	4	et	et	PROPN
fsr-3164	254	5	al	al	PROPN
fsr-3164	254	6	.	.	PUNCT
fsr-3164	254	7	/	/	SYM
fsr-3164	254	8	financial	financial	ADJ
fsr-3164	254	9	services	service	NOUN
fsr-3164	254	10	review	review	VERB
fsr-3164	254	11	30	30	NUM
fsr-3164	254	12	(	(	PUNCT
fsr-3164	254	13	2022	2022	NUM
fsr-3164	254	14	)	)	PUNCT
fsr-3164	254	15	273–296	273–296	NUM
fsr-3164	254	16	t	t	PROPN
fsr-3164	254	17	ab	ab	PROPN
fsr-3164	254	18	le	le	PROPN
fsr-3164	254	19	4	4	NUM
fsr-3164	254	20	l	l	NOUN
fsr-3164	254	21	o	o	X
fsr-3164	255	1	g	g	NOUN
fsr-3164	255	2	is	be	AUX
fsr-3164	255	3	ti	ti	X
fsr-3164	255	4	c	c	NOUN
fsr-3164	255	5	re	re	ADP
fsr-3164	255	6	g	g	PROPN
fsr-3164	255	7	re	re	ADP
fsr-3164	255	8	ss	ss	PROPN
fsr-3164	255	9	io	io	PROPN
fsr-3164	255	10	n	n	PROPN
fsr-3164	255	11	p	p	X
fsr-3164	255	12	re	re	PROPN
fsr-3164	255	13	d	d	X
fsr-3164	255	14	ic	ic	X
fsr-3164	255	15	ti	ti	PROPN
fsr-3164	255	16	n	n	PRON
fsr-3164	255	17	g	g	NOUN
fsr-3164	255	18	in	in	ADP
fsr-3164	255	19	d	d	PROPN
fsr-3164	255	20	iv	iv	INTJ
fsr-3164	255	21	i	i	PROPN
fsr-3164	255	22	d	d	PROPN
fsr-3164	255	23	u	u	PROPN
fsr-3164	255	24	al	al	PROPN
fsr-3164	255	25	m	m	PROPN
fsr-3164	255	26	ea	ea	PROPN
fsr-3164	255	27	su	su	PROPN
fsr-3164	255	28	re	re	PROPN
fsr-3164	255	29	o	o	PROPN
fsr-3164	256	1	f	f	X
fsr-3164	257	1	sh	sh	INTJ
fsr-3164	257	2	o	o	INTJ
fsr-3164	257	3	rt	rt	INTJ
fsr-3164	258	1	-t	-t	INTJ
fsr-3164	258	2	er	er	INTJ
fsr-3164	258	3	m	m	PROPN
fsr-3164	258	4	fi	fi	NOUN
fsr-3164	258	5	n	n	CCONJ
fsr-3164	258	6	an	an	DET
fsr-3164	258	7	ci	ci	PROPN
fsr-3164	258	8	al	al	PROPN
fsr-3164	258	9	b	b	PROPN
fsr-3164	258	10	eh	eh	INTJ
fsr-3164	258	11	av	av	PROPN
fsr-3164	258	12	io	io	PROPN
fsr-3164	259	1	r	r	PROPN
fsr-3164	259	2	v	v	PROPN
fsr-3164	259	3	ar	ar	PROPN
fsr-3164	259	4	ia	ia	PROPN
fsr-3164	259	5	b	b	PROPN
fsr-3164	259	6	le	le	X
fsr-3164	259	7	s	s	NOUN
fsr-3164	259	8	s	s	NOUN
fsr-3164	259	9	h	h	NOUN
fsr-3164	259	10	o	o	INTJ
fsr-3164	259	11	rt	rt	INTJ
fsr-3164	259	12	-t	-t	INTJ
fsr-3164	259	13	er	er	INTJ
fsr-3164	259	14	m	m	PROPN
fsr-3164	259	15	fi	fi	NOUN
fsr-3164	259	16	n	n	CCONJ
fsr-3164	259	17	an	an	DET
fsr-3164	259	18	ci	ci	PROPN
fsr-3164	259	19	al	al	PROPN
fsr-3164	259	20	b	b	PROPN
fsr-3164	259	21	eh	eh	INTJ
fsr-3164	259	22	av	av	PROPN
fsr-3164	259	23	io	io	NOUN
fsr-3164	259	24	r	r	NOUN
fsr-3164	259	25	p	p	NOUN
fsr-3164	259	26	ai	ai	NOUN
fsr-3164	259	27	d	d	PROPN
fsr-3164	259	28	cr	cr	ADP
fsr-3164	259	29	ed	ed	NOUN
fsr-3164	260	1	it	it	PRON
fsr-3164	260	2	fu	fu	ADV
fsr-3164	261	1	ll	ll	AUX
fsr-3164	261	2	s	s	X
fsr-3164	261	3	p	p	PROPN
fsr-3164	261	4	en	en	PROPN
fsr-3164	261	5	d	d	PROPN
fsr-3164	261	6	in	in	ADP
fsr-3164	261	7	g	g	PROPN
fsr-3164	261	8	le	le	NOUN
fsr-3164	261	9	ss	ss	PROPN
fsr-3164	261	10	/e	/e	PUNCT
fsr-3164	261	11	q	q	PUNCT
fsr-3164	261	12	u	u	X
fsr-3164	261	13	al	al	PROPN
fsr-3164	261	14	to	to	PART
fsr-3164	261	15	in	in	ADP
fsr-3164	261	16	co	co	NOUN
fsr-3164	261	17	m	m	PROPN
fsr-3164	261	18	e	e	NOUN
fsr-3164	261	19	n	n	NUM
fsr-3164	261	20	o	o	NOUN
fsr-3164	261	21	t	t	X
fsr-3164	261	22	o	o	NOUN
fsr-3164	261	23	v	v	ADP
fsr-3164	261	24	er	er	INTJ
fsr-3164	261	25	d	d	X
fsr-3164	261	26	re	re	X
fsr-3164	261	27	w	w	PROPN
fsr-3164	261	28	ch	ch	PROPN
fsr-3164	261	29	ec	ec	PROPN
fsr-3164	261	30	k	k	PROPN
fsr-3164	261	31	in	in	ADP
fsr-3164	261	32	g	g	PROPN
fsr-3164	261	33	ac	ac	PROPN
fsr-3164	261	34	co	co	PROPN
fsr-3164	261	35	u	u	PROPN
fsr-3164	261	36	n	n	PROPN
fsr-3164	261	37	t	t	PROPN
fsr-3164	261	38	(	(	PUNCT
fsr-3164	261	39	1	1	NUM
fsr-3164	261	40	)	)	PUNCT
fsr-3164	261	41	(	(	PUNCT
fsr-3164	261	42	2	2	X
fsr-3164	261	43	)	)	PUNCT
fsr-3164	261	44	(	(	PUNCT
fsr-3164	261	45	3	3	X
fsr-3164	261	46	)	)	PUNCT
fsr-3164	261	47	(	(	PUNCT
fsr-3164	261	48	4	4	NUM
fsr-3164	261	49	)	)	PUNCT
fsr-3164	261	50	(	(	PUNCT
fsr-3164	261	51	5	5	NUM
fsr-3164	261	52	)	)	PUNCT
fsr-3164	261	53	(	(	PUNCT
fsr-3164	261	54	6	6	NUM
fsr-3164	261	55	)	)	PUNCT
fsr-3164	261	56	f	f	NOUN
fsr-3164	261	57	in	in	ADP
fsr-3164	261	58	an	an	DET
fsr-3164	261	59	ci	ci	NOUN
fsr-3164	261	60	al	al	PROPN
fsr-3164	261	61	k	k	PROPN
fsr-3164	262	1	n	n	PRON
fsr-3164	263	1	o	o	X
fsr-3164	263	2	w	w	X
fsr-3164	263	3	le	le	PROPN
fsr-3164	263	4	d	d	X
fsr-3164	263	5	g	g	PROPN
fsr-3164	263	6	e	e	PROPN
fsr-3164	263	7	0	0	SYM
fsr-3164	263	8	.0	.0	NUM
fsr-3164	263	9	2	2	NUM
fsr-3164	263	10	2	2	NUM
fsr-3164	263	11	9	9	NUM
fsr-3164	263	12	*	*	PUNCT
fsr-3164	264	1	*	*	PUNCT
fsr-3164	264	2	0	0	NUM
fsr-3164	265	1	.0	.0	NUM
fsr-3164	265	2	2	2	NUM
fsr-3164	265	3	4	4	NUM
fsr-3164	265	4	7	7	NUM
fsr-3164	265	5	*	*	PUNCT
fsr-3164	265	6	*	*	PUNCT
fsr-3164	265	7	*	*	PUNCT
fsr-3164	265	8	�	�	PROPN
fsr-3164	265	9	0	0	NUM
fsr-3164	265	10	.0	.0	NUM
fsr-3164	265	11	0	0	NUM
fsr-3164	265	12	5	5	NUM
fsr-3164	265	13	0	0	NUM
fsr-3164	265	14	6	6	NUM
fsr-3164	265	15	�	�	PROPN
fsr-3164	265	16	0	0	NUM
fsr-3164	265	17	.0	.0	NUM
fsr-3164	265	18	0	0	NUM
fsr-3164	265	19	5	5	NUM
fsr-3164	265	20	3	3	NUM
fsr-3164	265	21	3	3	NUM
fsr-3164	265	22	0	0	NUM
fsr-3164	265	23	.0	.0	NUM
fsr-3164	265	24	1	1	NUM
fsr-3164	265	25	9	9	NUM
fsr-3164	265	26	9	9	NUM
fsr-3164	265	27	*	*	PUNCT
fsr-3164	265	28	*	*	PUNCT
fsr-3164	266	1	*	*	PUNCT
fsr-3164	266	2	0	0	NUM
fsr-3164	267	1	.0	.0	NUM
fsr-3164	267	2	1	1	NUM
fsr-3164	267	3	8	8	NUM
fsr-3164	267	4	9	9	NUM
fsr-3164	267	5	*	*	PUNCT
fsr-3164	267	6	*	*	PUNCT
fsr-3164	267	7	*	*	PUNCT
fsr-3164	267	8	(	(	PUNCT
fsr-3164	267	9	0	0	NUM
fsr-3164	267	10	.0	.0	NUM
fsr-3164	267	11	0	0	NUM
fsr-3164	267	12	9	9	NUM
fsr-3164	267	13	1	1	NUM
fsr-3164	267	14	6	6	NUM
fsr-3164	267	15	)	)	PUNCT
fsr-3164	267	16	(	(	PUNCT
fsr-3164	267	17	0	0	NUM
fsr-3164	267	18	.0	.0	NUM
fsr-3164	267	19	0	0	NUM
fsr-3164	267	20	9	9	NUM
fsr-3164	267	21	1	1	NUM
fsr-3164	267	22	4	4	NUM
fsr-3164	267	23	)	)	PUNCT
fsr-3164	267	24	(	(	PUNCT
fsr-3164	267	25	0	0	NUM
fsr-3164	267	26	.0	.0	NUM
fsr-3164	267	27	0	0	NUM
fsr-3164	267	28	6	6	NUM
fsr-3164	267	29	9	9	NUM
fsr-3164	267	30	5	5	NUM
fsr-3164	267	31	)	)	PUNCT
fsr-3164	267	32	(	(	PUNCT
fsr-3164	267	33	0	0	NUM
fsr-3164	267	34	.0	.0	NUM
fsr-3164	267	35	0	0	NUM
fsr-3164	267	36	6	6	NUM
fsr-3164	267	37	9	9	NUM
fsr-3164	267	38	4	4	NUM
fsr-3164	267	39	)	)	PUNCT
fsr-3164	267	40	(	(	PUNCT
fsr-3164	267	41	0	0	NUM
fsr-3164	267	42	.0	.0	NUM
fsr-3164	267	43	0	0	NUM
fsr-3164	267	44	6	6	NUM
fsr-3164	267	45	5	5	NUM
fsr-3164	267	46	8	8	NUM
fsr-3164	267	47	)	)	PUNCT
fsr-3164	267	48	(	(	PUNCT
fsr-3164	267	49	0	0	NUM
fsr-3164	267	50	.0	.0	NUM
fsr-3164	267	51	0	0	NUM
fsr-3164	267	52	6	6	NUM
fsr-3164	267	53	5	5	NUM
fsr-3164	267	54	5	5	NUM
fsr-3164	267	55	)	)	PUNCT
fsr-3164	267	56	f	f	NOUN
fsr-3164	267	57	in	in	ADP
fsr-3164	267	58	an	an	DET
fsr-3164	267	59	ci	ci	PROPN
fsr-3164	267	60	al	al	PROPN
fsr-3164	267	61	co	co	PROPN
fsr-3164	267	62	n	n	PROPN
fsr-3164	267	63	fi	fi	PROPN
fsr-3164	267	64	d	d	X
fsr-3164	267	65	en	en	PROPN
fsr-3164	267	66	ce	ce	PROPN
fsr-3164	267	67	0	0	PROPN
fsr-3164	267	68	.1	.1	PROPN
fsr-3164	267	69	9	9	NUM
fsr-3164	267	70	9	9	NUM
fsr-3164	267	71	*	*	PUNCT
fsr-3164	268	1	*	*	PUNCT
fsr-3164	269	1	*	*	PUNCT
fsr-3164	269	2	0	0	NUM
fsr-3164	269	3	.1	.1	NUM
fsr-3164	269	4	9	9	NUM
fsr-3164	269	5	4	4	NUM
fsr-3164	269	6	*	*	PUNCT
fsr-3164	270	1	*	*	PUNCT
fsr-3164	270	2	*	*	PUNCT
fsr-3164	270	3	0	0	NUM
fsr-3164	270	4	.1	.1	NUM
fsr-3164	270	5	1	1	NUM
fsr-3164	270	6	9	9	NUM
fsr-3164	270	7	*	*	PUNCT
fsr-3164	271	1	*	*	PUNCT
fsr-3164	271	2	*	*	PUNCT
fsr-3164	271	3	0	0	NUM
fsr-3164	271	4	.1	.1	NUM
fsr-3164	271	5	2	2	NUM
fsr-3164	271	6	2	2	NUM
fsr-3164	271	7	*	*	PUNCT
fsr-3164	272	1	*	*	PUNCT
fsr-3164	273	1	*	*	PUNCT
fsr-3164	273	2	0	0	NUM
fsr-3164	274	1	.0	.0	NUM
fsr-3164	274	2	6	6	NUM
fsr-3164	274	3	2	2	NUM
fsr-3164	274	4	0	0	NUM
fsr-3164	274	5	*	*	PUNCT
fsr-3164	275	1	*	*	PUNCT
fsr-3164	276	1	*	*	PUNCT
fsr-3164	276	2	0	0	NUM
fsr-3164	277	1	.0	.0	NUM
fsr-3164	277	2	6	6	NUM
fsr-3164	277	3	7	7	NUM
fsr-3164	277	4	3	3	NUM
fsr-3164	277	5	*	*	PUNCT
fsr-3164	278	1	*	*	PUNCT
fsr-3164	278	2	*	*	PUNCT
fsr-3164	278	3	(	(	PUNCT
fsr-3164	278	4	0	0	NUM
fsr-3164	278	5	.0	.0	NUM
fsr-3164	278	6	0	0	NUM
fsr-3164	278	7	8	8	NUM
fsr-3164	278	8	3	3	NUM
fsr-3164	278	9	8	8	NUM
fsr-3164	278	10	)	)	PUNCT
fsr-3164	278	11	(	(	PUNCT
fsr-3164	278	12	0	0	NUM
fsr-3164	278	13	.0	.0	NUM
fsr-3164	278	14	0	0	NUM
fsr-3164	278	15	8	8	NUM
fsr-3164	278	16	3	3	NUM
fsr-3164	278	17	8	8	NUM
fsr-3164	278	18	)	)	PUNCT
fsr-3164	278	19	(	(	PUNCT
fsr-3164	278	20	0	0	NUM
fsr-3164	278	21	.0	.0	NUM
fsr-3164	278	22	0	0	NUM
fsr-3164	278	23	8	8	NUM
fsr-3164	278	24	4	4	NUM
fsr-3164	278	25	0	0	NUM
fsr-3164	278	26	)	)	PUNCT
fsr-3164	278	27	(	(	PUNCT
fsr-3164	278	28	0	0	NUM
fsr-3164	278	29	.0	.0	NUM
fsr-3164	278	30	0	0	NUM
fsr-3164	278	31	8	8	NUM
fsr-3164	278	32	4	4	NUM
fsr-3164	278	33	6	6	NUM
fsr-3164	278	34	)	)	PUNCT
fsr-3164	278	35	(	(	PUNCT
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fsr-3164	297	19	0	0	NUM
fsr-3164	297	20	o	o	NOUN
fsr-3164	297	21	b	b	X
fsr-3164	297	22	se	se	PROPN
fsr-3164	297	23	rv	rv	PROPN
fsr-3164	297	24	at	at	ADP
fsr-3164	297	25	io	io	PROPN
fsr-3164	297	26	n	n	PROPN
fsr-3164	297	27	s	s	PART
fsr-3164	297	28	1	1	NUM
fsr-3164	297	29	9	9	NUM
fsr-3164	297	30	,	,	PUNCT
fsr-3164	297	31	7	7	NUM
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fsr-3164	297	33	5	5	NUM
fsr-3164	297	34	1	1	NUM
fsr-3164	297	35	9	9	NUM
fsr-3164	297	36	,	,	PUNCT
fsr-3164	297	37	7	7	NUM
fsr-3164	297	38	2	2	NUM
fsr-3164	297	39	5	5	NUM
fsr-3164	297	40	1	1	NUM
fsr-3164	297	41	9	9	NUM
fsr-3164	297	42	,	,	PUNCT
fsr-3164	297	43	7	7	NUM
fsr-3164	297	44	2	2	NUM
fsr-3164	297	45	5	5	NUM
fsr-3164	297	46	1	1	NUM
fsr-3164	297	47	9	9	NUM
fsr-3164	297	48	,	,	PUNCT
fsr-3164	297	49	7	7	NUM
fsr-3164	297	50	2	2	NUM
fsr-3164	297	51	5	5	NUM
fsr-3164	297	52	1	1	NUM
fsr-3164	297	53	9	9	NUM
fsr-3164	297	54	,	,	PUNCT
fsr-3164	297	55	7	7	NUM
fsr-3164	297	56	2	2	NUM
fsr-3164	297	57	5	5	NUM
fsr-3164	297	58	1	1	NUM
fsr-3164	297	59	9	9	NUM
fsr-3164	297	60	,	,	PUNCT
fsr-3164	297	61	7	7	NUM
fsr-3164	297	62	2	2	NUM
fsr-3164	297	63	5	5	NUM
fsr-3164	297	64	n	n	NUM
fsr-3164	297	65	o	o	NOUN
fsr-3164	297	66	te	te	INTJ
fsr-3164	297	67	.	.	PUNCT
fsr-3164	298	1	t	t	PROPN
fsr-3164	298	2	h	h	NOUN
fsr-3164	299	1	e	e	PROPN
fsr-3164	299	2	m	m	PROPN
fsr-3164	299	3	ar	ar	PROPN
fsr-3164	299	4	g	g	PROPN
fsr-3164	299	5	in	in	ADP
fsr-3164	299	6	al	al	PROPN
fsr-3164	299	7	co	co	PROPN
fsr-3164	299	8	ef	ef	PROPN
fsr-3164	299	9	fi	fi	PROPN
fsr-3164	299	10	ci	ci	PROPN
fsr-3164	299	11	en	en	X
fsr-3164	299	12	ts	ts	X
fsr-3164	299	13	o	o	PROPN
fsr-3164	300	1	f	f	X
fsr-3164	300	2	o	o	X
fsr-3164	300	3	th	th	X
fsr-3164	300	4	er	er	INTJ
fsr-3164	300	5	co	co	NOUN
fsr-3164	300	6	n	n	PRON
fsr-3164	300	7	tr	tr	NOUN
fsr-3164	300	8	o	o	PROPN
fsr-3164	300	9	l	l	PROPN
fsr-3164	300	10	v	v	PROPN
fsr-3164	300	11	ar	ar	PROPN
fsr-3164	300	12	ia	ia	PROPN
fsr-3164	300	13	b	b	PROPN
fsr-3164	300	14	le	le	X
fsr-3164	300	15	s	s	X
fsr-3164	300	16	(	(	PUNCT
fsr-3164	300	17	g	g	PROPN
fsr-3164	300	18	en	en	PROPN
fsr-3164	300	19	d	d	PROPN
fsr-3164	300	20	er	er	INTJ
fsr-3164	300	21	,	,	PUNCT
fsr-3164	300	22	ed	ed	NOUN
fsr-3164	300	23	u	u	NOUN
fsr-3164	300	24	ca	can	AUX
fsr-3164	300	25	ti	ti	NOUN
fsr-3164	300	26	o	o	PROPN
fsr-3164	300	27	n	n	ADV
fsr-3164	300	28	le	le	X
fsr-3164	300	29	v	v	PROPN
fsr-3164	301	1	el	el	PROPN
fsr-3164	301	2	,	,	PUNCT
fsr-3164	301	3	em	em	PRON
fsr-3164	302	1	p	p	PROPN
fsr-3164	302	2	lo	lo	PROPN
fsr-3164	302	3	y	y	NOUN
fsr-3164	302	4	m	m	PROPN
fsr-3164	302	5	en	en	PROPN
fsr-3164	302	6	t	t	PROPN
fsr-3164	302	7	st	st	PROPN
fsr-3164	302	8	at	at	ADP
fsr-3164	302	9	u	u	PROPN
fsr-3164	302	10	s	s	PROPN
fsr-3164	302	11	,	,	PUNCT
fsr-3164	302	12	m	m	VERB
fsr-3164	302	13	ar	ar	NOUN
fsr-3164	302	14	it	it	PRON
fsr-3164	302	15	al	al	PROPN
fsr-3164	302	16	st	st	PROPN
fsr-3164	303	1	at	at	ADP
fsr-3164	303	2	u	u	NOUN
fsr-3164	303	3	s	s	PROPN
fsr-3164	303	4	,	,	PUNCT
fsr-3164	303	5	in	in	ADP
fsr-3164	303	6	co	co	NOUN
fsr-3164	303	7	m	m	PROPN
fsr-3164	303	8	e	e	PROPN
fsr-3164	303	9	,	,	PUNCT
fsr-3164	303	10	ra	ra	PROPN
fsr-3164	303	11	ce	ce	PROPN
fsr-3164	303	12	,	,	PUNCT
fsr-3164	303	13	ri	ri	PROPN
fsr-3164	303	14	sk	sk	INTJ
fsr-3164	303	15	le	le	PROPN
fsr-3164	303	16	v	v	PROPN
fsr-3164	303	17	el	el	PROPN
fsr-3164	303	18	m	m	PROPN
fsr-3164	303	19	ea	ea	PROPN
fsr-3164	303	20	su	su	PROPN
fsr-3164	303	21	re	re	PROPN
fsr-3164	303	22	s	s	PROPN
fsr-3164	303	23	,	,	PUNCT
fsr-3164	303	24	an	an	DET
fsr-3164	303	25	d	d	X
fsr-3164	303	26	cr	cr	PROPN
fsr-3164	303	27	ed	ed	NOUN
fsr-3164	303	28	it	it	PRON
fsr-3164	303	29	sc	sc	INTJ
fsr-3164	303	30	o	o	X
fsr-3164	303	31	re	re	X
fsr-3164	303	32	)	)	PUNCT
fsr-3164	303	33	ar	ar	PROPN
fsr-3164	303	34	e	e	PROPN
fsr-3164	303	35	in	in	ADP
fsr-3164	303	36	cl	cl	NOUN
fsr-3164	303	37	u	u	NOUN
fsr-3164	303	38	d	d	NOUN
fsr-3164	303	39	ed	ed	NOUN
fsr-3164	303	40	in	in	ADP
fsr-3164	303	41	th	th	NUM
fsr-3164	303	42	e	e	X
fsr-3164	303	43	re	re	ADP
fsr-3164	303	44	g	g	PROPN
fsr-3164	303	45	re	re	VERB
fsr-3164	303	46	ss	ss	PROPN
fsr-3164	303	47	io	io	X
fsr-3164	303	48	n	n	PROPN
fsr-3164	303	49	,	,	PUNCT
fsr-3164	303	50	b	b	X
fsr-3164	303	51	u	u	NOUN
fsr-3164	303	52	t	t	PROPN
fsr-3164	303	53	n	n	INTJ
fsr-3164	303	54	o	o	X
fsr-3164	303	55	t	t	X
fsr-3164	303	56	re	re	NOUN
fsr-3164	303	57	p	p	PROPN
fsr-3164	303	58	o	o	X
fsr-3164	303	59	rt	rt	PROPN
fsr-3164	303	60	ed	ed	NOUN
fsr-3164	303	61	h	h	PROPN
fsr-3164	304	1	er	er	INTJ
fsr-3164	304	2	e.	e.	PROPN
fsr-3164	304	3	s	s	PROPN
fsr-3164	304	4	ta	ta	PROPN
fsr-3164	304	5	n	n	PROPN
fsr-3164	304	6	d	d	PROPN
fsr-3164	304	7	ar	ar	PROPN
fsr-3164	304	8	d	d	PROPN
fsr-3164	304	9	er	er	INTJ
fsr-3164	304	10	ro	ro	INTJ
fsr-3164	304	11	rs	rs	NOUN
fsr-3164	304	12	in	in	ADP
fsr-3164	304	13	p	p	PROPN
fsr-3164	304	14	ar	ar	PROPN
fsr-3164	304	15	en	en	X
fsr-3164	304	16	th	th	X
fsr-3164	304	17	es	es	X
fsr-3164	304	18	es	es	X
fsr-3164	304	19	:	:	PUNCT
fsr-3164	304	20	*	*	PUNCT
fsr-3164	304	21	*	*	PUNCT
fsr-3164	304	22	*	*	PUNCT
fsr-3164	305	1	p	p	X
fsr-3164	305	2	<	<	X
fsr-3164	305	3	.0	.0	NUM
fsr-3164	305	4	1	1	NUM
fsr-3164	305	5	,	,	PUNCT
fsr-3164	305	6	*	*	PUNCT
fsr-3164	305	7	*	*	PUNCT
fsr-3164	306	1	p	p	X
fsr-3164	306	2	<	<	X
fsr-3164	306	3	.0	.0	NUM
fsr-3164	306	4	5	5	NUM
fsr-3164	306	5	,	,	PUNCT
fsr-3164	306	6	*	*	PUNCT
fsr-3164	306	7	p	p	X
fsr-3164	306	8	<	<	X
fsr-3164	306	9	.1	.1	NUM
fsr-3164	306	10	.	.	PUNCT
fsr-3164	307	1	a.	a.	PROPN
fsr-3164	307	2	mussa	mussa	PROPN
fsr-3164	307	3	et	et	PROPN
fsr-3164	307	4	al	al	PROPN
fsr-3164	307	5	.	.	PUNCT
fsr-3164	307	6	/	/	SYM
fsr-3164	307	7	financial	financial	ADJ
fsr-3164	307	8	services	service	NOUN
fsr-3164	307	9	review	review	VERB
fsr-3164	307	10	30	30	NUM
fsr-3164	307	11	(	(	PUNCT
fsr-3164	307	12	2022	2022	NUM
fsr-3164	307	13	)	)	PUNCT
fsr-3164	307	14	273–296	273–296	NUM
fsr-3164	307	15	283	283	NUM
fsr-3164	307	16	t	t	PROPN
fsr-3164	307	17	ab	ab	X
fsr-3164	307	18	le	le	PROPN
fsr-3164	307	19	5	5	NUM
fsr-3164	307	20	l	l	NOUN
fsr-3164	307	21	o	o	X
fsr-3164	308	1	g	g	NOUN
fsr-3164	308	2	is	be	AUX
fsr-3164	308	3	ti	ti	X
fsr-3164	308	4	c	c	NOUN
fsr-3164	308	5	re	re	ADP
fsr-3164	308	6	g	g	PROPN
fsr-3164	308	7	re	re	ADP
fsr-3164	308	8	ss	ss	PROPN
fsr-3164	308	9	io	io	PROPN
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fsr-3164	308	11	p	p	X
fsr-3164	308	12	re	re	PROPN
fsr-3164	308	13	d	d	X
fsr-3164	308	14	ic	ic	X
fsr-3164	308	15	ti	ti	PROPN
fsr-3164	308	16	n	n	PRON
fsr-3164	308	17	g	g	NOUN
fsr-3164	308	18	o	o	NOUN
fsr-3164	308	19	v	v	INTJ
fsr-3164	308	20	er	er	INTJ
fsr-3164	308	21	al	al	PROPN
fsr-3164	308	22	l	l	PROPN
fsr-3164	308	23	m	m	PROPN
fsr-3164	308	24	ea	ea	X
fsr-3164	308	25	su	su	PROPN
fsr-3164	309	1	re	re	PROPN
fsr-3164	309	2	o	o	PROPN
fsr-3164	310	1	f	f	PROPN
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fsr-3164	310	3	n	n	CCONJ
fsr-3164	310	4	g	g	NOUN
fsr-3164	311	1	-t	-t	PUNCT
fsr-3164	311	2	er	er	INTJ
fsr-3164	311	3	m	m	PROPN
fsr-3164	311	4	fi	fi	NOUN
fsr-3164	311	5	n	n	CCONJ
fsr-3164	311	6	an	an	DET
fsr-3164	311	7	ci	ci	PROPN
fsr-3164	311	8	al	al	PROPN
fsr-3164	311	9	b	b	PROPN
fsr-3164	311	10	eh	eh	INTJ
fsr-3164	311	11	av	av	PROPN
fsr-3164	311	12	io	io	PROPN
fsr-3164	311	13	r	r	PROPN
fsr-3164	311	14	v	v	PROPN
fsr-3164	311	15	ar	ar	PROPN
fsr-3164	311	16	ia	ia	PROPN
fsr-3164	311	17	b	b	PROPN
fsr-3164	311	18	le	le	X
fsr-3164	311	19	s	s	PROPN
fsr-3164	311	20	l	l	NOUN
fsr-3164	311	21	o	o	NOUN
fsr-3164	311	22	n	n	CCONJ
fsr-3164	311	23	g	g	NOUN
fsr-3164	311	24	-t	-t	PUNCT
fsr-3164	311	25	er	er	INTJ
fsr-3164	311	26	m	m	PROPN
fsr-3164	311	27	fi	fi	NOUN
fsr-3164	311	28	n	n	CCONJ
fsr-3164	311	29	an	an	DET
fsr-3164	311	30	ci	ci	PROPN
fsr-3164	311	31	al	al	PROPN
fsr-3164	311	32	b	b	PROPN
fsr-3164	311	33	eh	eh	INTJ
fsr-3164	311	34	av	av	PROPN
fsr-3164	311	35	io	io	PROPN
fsr-3164	311	36	r	r	X
fsr-3164	311	37	(	(	PUNCT
fsr-3164	311	38	1	1	NUM
fsr-3164	311	39	)	)	PUNCT
fsr-3164	311	40	(	(	PUNCT
fsr-3164	311	41	2	2	X
fsr-3164	311	42	)	)	PUNCT
fsr-3164	311	43	(	(	PUNCT
fsr-3164	311	44	3	3	X
fsr-3164	311	45	)	)	PUNCT
fsr-3164	311	46	(	(	PUNCT
fsr-3164	311	47	4	4	NUM
fsr-3164	311	48	)	)	PUNCT
fsr-3164	311	49	(	(	PUNCT
fsr-3164	311	50	5	5	NUM
fsr-3164	311	51	)	)	PUNCT
fsr-3164	311	52	(	(	PUNCT
fsr-3164	311	53	6	6	NUM
fsr-3164	311	54	)	)	PUNCT
fsr-3164	311	55	f	f	NOUN
fsr-3164	311	56	in	in	ADP
fsr-3164	311	57	an	an	DET
fsr-3164	311	58	ci	ci	NOUN
fsr-3164	311	59	al	al	PROPN
fsr-3164	311	60	k	k	PROPN
fsr-3164	312	1	n	n	PRON
fsr-3164	313	1	o	o	X
fsr-3164	313	2	w	w	X
fsr-3164	313	3	le	le	PROPN
fsr-3164	313	4	d	d	X
fsr-3164	313	5	g	g	PROPN
fsr-3164	313	6	e	e	PROPN
fsr-3164	313	7	0	0	PUNCT
fsr-3164	313	8	.1	.1	NUM
fsr-3164	313	9	0	0	NUM
fsr-3164	313	10	4	4	NUM
fsr-3164	314	1	*	*	PUNCT
fsr-3164	315	1	*	*	PUNCT
fsr-3164	316	1	*	*	PUNCT
fsr-3164	316	2	0	0	NUM
fsr-3164	316	3	.0	.0	NUM
fsr-3164	316	4	9	9	NUM
fsr-3164	316	5	2	2	NUM
fsr-3164	316	6	2	2	NUM
fsr-3164	316	7	*	*	PUNCT
fsr-3164	317	1	*	*	PUNCT
fsr-3164	318	1	*	*	PUNCT
fsr-3164	318	2	0	0	NUM
fsr-3164	319	1	.0	.0	NUM
fsr-3164	319	2	7	7	NUM
fsr-3164	319	3	9	9	NUM
fsr-3164	319	4	9	9	NUM
fsr-3164	319	5	*	*	PUNCT
fsr-3164	319	6	*	*	PUNCT
fsr-3164	320	1	*	*	PUNCT
fsr-3164	320	2	0	0	NUM
fsr-3164	321	1	.0	.0	NUM
fsr-3164	321	2	8	8	NUM
fsr-3164	321	3	0	0	NUM
fsr-3164	321	4	3	3	NUM
fsr-3164	321	5	*	*	PUNCT
fsr-3164	322	1	*	*	PUNCT
fsr-3164	322	2	*	*	PUNCT
fsr-3164	322	3	0	0	NUM
fsr-3164	323	1	.0	.0	NUM
fsr-3164	323	2	7	7	NUM
fsr-3164	323	3	9	9	NUM
fsr-3164	323	4	7	7	NUM
fsr-3164	323	5	*	*	PUNCT
fsr-3164	324	1	*	*	PUNCT
fsr-3164	324	2	*	*	PUNCT
fsr-3164	324	3	(	(	PUNCT
fsr-3164	324	4	0	0	NUM
fsr-3164	324	5	.0	.0	NUM
fsr-3164	324	6	0	0	NUM
fsr-3164	324	7	5	5	NUM
fsr-3164	324	8	7	7	NUM
fsr-3164	324	9	5	5	NUM
fsr-3164	324	10	)	)	PUNCT
fsr-3164	324	11	(	(	PUNCT
fsr-3164	324	12	0	0	NUM
fsr-3164	324	13	.0	.0	NUM
fsr-3164	324	14	0	0	NUM
fsr-3164	324	15	5	5	NUM
fsr-3164	324	16	5	5	NUM
fsr-3164	324	17	9	9	NUM
fsr-3164	324	18	)	)	PUNCT
fsr-3164	324	19	(	(	PUNCT
fsr-3164	324	20	0	0	NUM
fsr-3164	324	21	.0	.0	NUM
fsr-3164	324	22	0	0	NUM
fsr-3164	324	23	7	7	NUM
fsr-3164	324	24	2	2	NUM
fsr-3164	324	25	3	3	NUM
fsr-3164	324	26	)	)	PUNCT
fsr-3164	324	27	(	(	PUNCT
fsr-3164	324	28	0	0	NUM
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fsr-3164	324	30	0	0	NUM
fsr-3164	324	31	7	7	NUM
fsr-3164	324	32	2	2	NUM
fsr-3164	324	33	2	2	NUM
fsr-3164	324	34	)	)	PUNCT
fsr-3164	324	35	(	(	PUNCT
fsr-3164	324	36	0	0	NUM
fsr-3164	324	37	.0	.0	NUM
fsr-3164	324	38	0	0	NUM
fsr-3164	324	39	7	7	NUM
fsr-3164	324	40	2	2	NUM
fsr-3164	324	41	2	2	NUM
fsr-3164	324	42	)	)	PUNCT
fsr-3164	324	43	f	f	NOUN
fsr-3164	324	44	in	in	ADP
fsr-3164	324	45	an	an	DET
fsr-3164	324	46	ci	ci	PROPN
fsr-3164	324	47	al	al	PROPN
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fsr-3164	324	49	n	n	PROPN
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fsr-3164	324	51	d	d	X
fsr-3164	324	52	en	en	PROPN
fsr-3164	324	53	ce	ce	PROPN
fsr-3164	324	54	0	0	PROPN
fsr-3164	324	55	.1	.1	NUM
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fsr-3164	324	58	*	*	PUNCT
fsr-3164	325	1	*	*	PUNCT
fsr-3164	326	1	*	*	PUNCT
fsr-3164	326	2	0	0	NUM
fsr-3164	327	1	.1	.1	NUM
fsr-3164	327	2	7	7	NUM
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fsr-3164	327	4	*	*	PUNCT
fsr-3164	328	1	*	*	PUNCT
fsr-3164	328	2	*	*	PUNCT
fsr-3164	328	3	0	0	NUM
fsr-3164	328	4	.1	.1	NUM
fsr-3164	328	5	5	5	NUM
fsr-3164	328	6	8	8	NUM
fsr-3164	328	7	*	*	PUNCT
fsr-3164	329	1	*	*	PUNCT
fsr-3164	329	2	*	*	PUNCT
fsr-3164	329	3	0	0	NUM
fsr-3164	329	4	.1	.1	NUM
fsr-3164	329	5	5	5	NUM
fsr-3164	329	6	8	8	NUM
fsr-3164	329	7	*	*	PUNCT
fsr-3164	330	1	*	*	PUNCT
fsr-3164	330	2	*	*	PUNCT
fsr-3164	330	3	0	0	NUM
fsr-3164	330	4	.1	.1	NUM
fsr-3164	330	5	5	5	NUM
fsr-3164	330	6	7	7	NUM
fsr-3164	330	7	*	*	PUNCT
fsr-3164	331	1	*	*	PUNCT
fsr-3164	331	2	*	*	PUNCT
fsr-3164	331	3	(	(	PUNCT
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fsr-3164	331	5	.0	.0	NUM
fsr-3164	331	6	0	0	NUM
fsr-3164	331	7	5	5	NUM
fsr-3164	331	8	2	2	NUM
fsr-3164	331	9	4	4	NUM
fsr-3164	331	10	)	)	PUNCT
fsr-3164	331	11	(	(	PUNCT
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fsr-3164	331	13	.0	.0	NUM
fsr-3164	331	14	0	0	NUM
fsr-3164	331	15	5	5	NUM
fsr-3164	331	16	2	2	NUM
fsr-3164	331	17	2	2	NUM
fsr-3164	331	18	)	)	PUNCT
fsr-3164	331	19	(	(	PUNCT
fsr-3164	331	20	0	0	NUM
fsr-3164	331	21	.0	.0	NUM
fsr-3164	331	22	0	0	NUM
fsr-3164	331	23	7	7	NUM
fsr-3164	331	24	2	2	NUM
fsr-3164	331	25	4	4	NUM
fsr-3164	331	26	)	)	PUNCT
fsr-3164	331	27	(	(	PUNCT
fsr-3164	331	28	0	0	NUM
fsr-3164	331	29	.0	.0	NUM
fsr-3164	331	30	0	0	NUM
fsr-3164	331	31	7	7	NUM
fsr-3164	331	32	2	2	NUM
fsr-3164	331	33	3	3	NUM
fsr-3164	331	34	)	)	PUNCT
fsr-3164	331	35	(	(	PUNCT
fsr-3164	331	36	0	0	NUM
fsr-3164	331	37	.0	.0	NUM
fsr-3164	331	38	0	0	NUM
fsr-3164	331	39	7	7	NUM
fsr-3164	331	40	2	2	NUM
fsr-3164	331	41	5	5	NUM
fsr-3164	331	42	)	)	PUNCT
fsr-3164	331	43	f	f	NOUN
fsr-3164	331	44	in	in	ADP
fsr-3164	331	45	an	an	DET
fsr-3164	331	46	ci	ci	NOUN
fsr-3164	331	47	al	al	PROPN
fsr-3164	331	48	k	k	PROPN
fsr-3164	332	1	n	n	PRON
fsr-3164	333	1	o	o	X
fsr-3164	333	2	w	w	X
fsr-3164	333	3	le	le	PROPN
fsr-3164	334	1	d	d	X
fsr-3164	334	2	g	g	PROPN
fsr-3164	334	3	e	e	PROPN
fsr-3164	334	4	*	*	PROPN
fsr-3164	334	5	c	c	X
fsr-3164	334	6	o	o	NOUN
fsr-3164	334	7	n	n	CCONJ
fsr-3164	334	8	fi	fi	NOUN
fsr-3164	334	9	d	d	X
fsr-3164	334	10	en	en	PROPN
fsr-3164	334	11	ce	ce	PROPN
fsr-3164	334	12	0	0	PROPN
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fsr-3164	334	14	2	2	NUM
fsr-3164	334	15	9	9	NUM
fsr-3164	334	16	8	8	NUM
fsr-3164	334	17	*	*	PUNCT
fsr-3164	335	1	*	*	PUNCT
fsr-3164	335	2	*	*	PUNCT
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fsr-3164	336	1	.0	.0	NUM
fsr-3164	336	2	3	3	NUM
fsr-3164	336	3	0	0	NUM
fsr-3164	336	4	9	9	NUM
fsr-3164	336	5	*	*	PUNCT
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fsr-3164	337	1	*	*	PUNCT
fsr-3164	337	2	0	0	NUM
fsr-3164	338	1	.0	.0	NUM
fsr-3164	338	2	3	3	NUM
fsr-3164	338	3	3	3	NUM
fsr-3164	338	4	2	2	NUM
fsr-3164	338	5	*	*	PUNCT
fsr-3164	339	1	*	*	PUNCT
fsr-3164	339	2	*	*	PUNCT
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fsr-3164	339	4	0	0	NUM
fsr-3164	339	5	.0	.0	NUM
fsr-3164	339	6	1	1	NUM
fsr-3164	339	7	1	1	NUM
fsr-3164	339	8	0	0	NUM
fsr-3164	339	9	)	)	PUNCT
fsr-3164	339	10	(	(	PUNCT
fsr-3164	339	11	0	0	NUM
fsr-3164	339	12	.0	.0	NUM
fsr-3164	339	13	1	1	NUM
fsr-3164	339	14	1	1	NUM
fsr-3164	339	15	0	0	NUM
fsr-3164	339	16	)	)	PUNCT
fsr-3164	339	17	(	(	PUNCT
fsr-3164	339	18	0	0	NUM
fsr-3164	339	19	.0	.0	NUM
fsr-3164	339	20	1	1	NUM
fsr-3164	339	21	1	1	NUM
fsr-3164	339	22	0	0	NUM
fsr-3164	339	23	)	)	PUNCT
fsr-3164	340	1	t	t	PROPN
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fsr-3164	341	1	h	h	NOUN
fsr-3164	341	2	-s	-s	INTJ
fsr-3164	341	3	av	av	INTJ
fsr-3164	341	4	v	v	NOUN
fsr-3164	341	5	y	y	PROPN
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fsr-3164	341	7	.0	.0	NUM
fsr-3164	341	8	2	2	NUM
fsr-3164	341	9	5	5	NUM
fsr-3164	341	10	8	8	NUM
fsr-3164	341	11	*	*	PUNCT
fsr-3164	342	1	*	*	PUNCT
fsr-3164	342	2	*	*	PUNCT
fsr-3164	342	3	(	(	PUNCT
fsr-3164	342	4	0	0	NUM
fsr-3164	342	5	.0	.0	NUM
fsr-3164	342	6	0	0	NUM
fsr-3164	342	7	6	6	NUM
fsr-3164	342	8	0	0	NUM
fsr-3164	342	9	8	8	NUM
fsr-3164	342	10	)	)	PUNCT
fsr-3164	343	1	m	m	VERB
fsr-3164	343	2	o	o	X
fsr-3164	343	3	b	b	X
fsr-3164	343	4	il	il	PROPN
fsr-3164	343	5	e	e	PROPN
fsr-3164	343	6	u	u	PROPN
fsr-3164	343	7	se	se	PROPN
fsr-3164	343	8	in	in	ADP
fsr-3164	343	9	p	p	PROPN
fsr-3164	343	10	er	er	INTJ
fsr-3164	343	11	so	so	ADV
fsr-3164	343	12	n	n	PRON
fsr-3164	343	13	�	�	PROPN
fsr-3164	343	14	0	0	NUM
fsr-3164	343	15	.0	.0	NUM
fsr-3164	343	16	0	0	NUM
fsr-3164	343	17	0	0	NUM
fsr-3164	343	18	7	7	NUM
fsr-3164	343	19	9	9	NUM
fsr-3164	343	20	7	7	NUM
fsr-3164	343	21	(	(	PUNCT
fsr-3164	343	22	0	0	NUM
fsr-3164	343	23	.0	.0	NUM
fsr-3164	343	24	0	0	NUM
fsr-3164	343	25	6	6	NUM
fsr-3164	343	26	6	6	NUM
fsr-3164	343	27	1	1	NUM
fsr-3164	343	28	)	)	PUNCT
fsr-3164	343	29	m	m	VERB
fsr-3164	343	30	o	o	X
fsr-3164	343	31	b	b	X
fsr-3164	343	32	il	il	PROPN
fsr-3164	343	33	e	e	X
fsr-3164	343	34	u	u	X
fsr-3164	343	35	se	se	X
fsr-3164	343	36	fo	fo	INTJ
fsr-3164	343	37	r	r	NOUN
fsr-3164	343	38	tr	tr	VERB
fsr-3164	343	39	an	an	DET
fsr-3164	343	40	sf	sf	NOUN
fsr-3164	343	41	er	er	INTJ
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fsr-3164	344	2	0	0	NUM
fsr-3164	344	3	1	1	NUM
fsr-3164	344	4	4	4	NUM
fsr-3164	344	5	7	7	NUM
fsr-3164	344	6	(	(	PUNCT
fsr-3164	344	7	0	0	NUM
fsr-3164	344	8	.0	.0	NUM
fsr-3164	344	9	0	0	NUM
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fsr-3164	344	11	5	5	NUM
fsr-3164	344	12	1	1	NUM
fsr-3164	344	13	)	)	PUNCT
fsr-3164	344	14	w	w	PROPN
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fsr-3164	344	17	d	d	X
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fsr-3164	345	1	p	p	NOUN
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fsr-3164	345	3	r	r	NOUN
fsr-3164	345	4	p	p	NOUN
fsr-3164	345	5	er	er	INTJ
fsr-3164	346	1	so	so	ADV
fsr-3164	346	2	n	n	ADV
fsr-3164	346	3	al	al	PROPN
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fsr-3164	347	1	.0	.0	NUM
fsr-3164	347	2	3	3	NUM
fsr-3164	347	3	4	4	NUM
fsr-3164	347	4	9	9	NUM
fsr-3164	347	5	*	*	PUNCT
fsr-3164	348	1	*	*	PUNCT
fsr-3164	348	2	*	*	PUNCT
fsr-3164	348	3	(	(	PUNCT
fsr-3164	348	4	0	0	NUM
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fsr-3164	348	6	0	0	NUM
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fsr-3164	348	8	1	1	NUM
fsr-3164	348	9	1	1	NUM
fsr-3164	348	10	)	)	PUNCT
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fsr-3164	348	13	an	an	PROPN
fsr-3164	348	14	d	d	X
fsr-3164	348	15	ap	ap	PROPN
fsr-3164	349	1	p	p	X
fsr-3164	349	2	u	u	X
fsr-3164	349	3	se	se	ADV
fsr-3164	349	4	fo	fo	INTJ
fsr-3164	349	5	r	r	PROPN
fsr-3164	349	6	w	w	NOUN
fsr-3164	349	7	o	o	NOUN
fsr-3164	349	8	rk	rk	NOUN
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fsr-3164	349	10	.0	.0	NUM
fsr-3164	349	11	3	3	NUM
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fsr-3164	349	13	0	0	NUM
fsr-3164	350	1	*	*	PUNCT
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fsr-3164	351	3	(	(	PUNCT
fsr-3164	351	4	0	0	NUM
fsr-3164	351	5	.0	.0	NUM
fsr-3164	351	6	0	0	NUM
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fsr-3164	351	8	1	1	NUM
fsr-3164	351	9	6	6	NUM
fsr-3164	351	10	)	)	PUNCT
fsr-3164	351	11	p	p	NOUN
fsr-3164	351	12	se	se	X
fsr-3164	351	13	u	u	PROPN
fsr-3164	352	1	d	d	X
fsr-3164	352	2	o	o	NOUN
fsr-3164	352	3	r	r	NOUN
fsr-3164	352	4	2	2	NUM
fsr-3164	352	5	0	0	NUM
fsr-3164	352	6	.3	.3	NUM
fsr-3164	352	7	2	2	NUM
fsr-3164	352	8	1	1	NUM
fsr-3164	352	9	0	0	NUM
fsr-3164	352	10	.3	.3	NUM
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fsr-3164	352	13	0	0	NUM
fsr-3164	352	14	.3	.3	NUM
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fsr-3164	352	21	0	0	NUM
fsr-3164	352	22	.3	.3	NUM
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fsr-3164	352	36	s	s	PART
fsr-3164	352	37	1	1	NUM
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fsr-3164	352	39	,	,	PUNCT
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fsr-3164	352	45	,	,	PUNCT
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fsr-3164	353	1	t	t	PROPN
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fsr-3164	354	1	e	e	PROPN
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fsr-3164	354	11	en	en	X
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fsr-3164	354	13	o	o	PROPN
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fsr-3164	355	2	o	o	X
fsr-3164	355	3	th	th	X
fsr-3164	355	4	er	er	INTJ
fsr-3164	355	5	co	co	NOUN
fsr-3164	355	6	n	n	PRON
fsr-3164	355	7	tr	tr	NOUN
fsr-3164	355	8	o	o	PROPN
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fsr-3164	355	10	v	v	PROPN
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fsr-3164	355	12	ia	ia	PROPN
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fsr-3164	355	16	(	(	PUNCT
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fsr-3164	358	25	d	d	X
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fsr-3164	358	50	n	n	CCONJ
fsr-3164	358	51	o	o	X
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fsr-3164	358	55	o	o	X
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fsr-3164	359	11	rs	rs	NOUN
fsr-3164	359	12	in	in	ADP
fsr-3164	359	13	p	p	PROPN
fsr-3164	359	14	ar	ar	PROPN
fsr-3164	359	15	en	en	X
fsr-3164	359	16	th	th	X
fsr-3164	359	17	es	es	X
fsr-3164	359	18	es	es	X
fsr-3164	359	19	:	:	PUNCT
fsr-3164	359	20	*	*	PUNCT
fsr-3164	359	21	*	*	PUNCT
fsr-3164	359	22	*	*	PUNCT
fsr-3164	360	1	p	p	X
fsr-3164	360	2	<	<	X
fsr-3164	360	3	.0	.0	NUM
fsr-3164	360	4	1	1	NUM
fsr-3164	360	5	,	,	PUNCT
fsr-3164	360	6	*	*	PUNCT
fsr-3164	360	7	*	*	PUNCT
fsr-3164	361	1	p	p	X
fsr-3164	361	2	<	<	X
fsr-3164	361	3	.0	.0	NUM
fsr-3164	361	4	5	5	NUM
fsr-3164	361	5	,	,	PUNCT
fsr-3164	361	6	*	*	PUNCT
fsr-3164	361	7	p	p	X
fsr-3164	361	8	<	<	X
fsr-3164	361	9	.1	.1	NUM
fsr-3164	361	10	.	.	PUNCT
fsr-3164	362	1	284	284	NUM
fsr-3164	362	2	a.	a.	NOUN
fsr-3164	362	3	mussa	mussa	PROPN
fsr-3164	362	4	et	et	PROPN
fsr-3164	362	5	al	al	PROPN
fsr-3164	362	6	.	.	PUNCT
fsr-3164	362	7	/	/	SYM
fsr-3164	362	8	financial	financial	ADJ
fsr-3164	362	9	services	service	NOUN
fsr-3164	362	10	review	review	VERB
fsr-3164	362	11	30	30	NUM
fsr-3164	362	12	(	(	PUNCT
fsr-3164	362	13	2022	2022	NUM
fsr-3164	362	14	)	)	PUNCT
fsr-3164	362	15	273–296	273–296	NUM
fsr-3164	362	16	similar	similar	ADJ
fsr-3164	362	17	to	to	ADP
fsr-3164	362	18	short	short	ADJ
fsr-3164	362	19	-	-	PUNCT
fsr-3164	362	20	term	term	NOUN
fsr-3164	362	21	behaviors	behavior	NOUN
fsr-3164	362	22	,	,	PUNCT
fsr-3164	362	23	we	we	PRON
fsr-3164	362	24	also	also	ADV
fsr-3164	362	25	use	use	VERB
fsr-3164	362	26	individual	individual	ADJ
fsr-3164	362	27	measures	measure	NOUN
fsr-3164	362	28	of	of	ADP
fsr-3164	362	29	long	long	ADJ
fsr-3164	362	30	-	-	PUNCT
fsr-3164	362	31	term	term	NOUN
fsr-3164	362	32	financial	financial	ADJ
fsr-3164	362	33	behaviors	behavior	NOUN
fsr-3164	362	34	,	,	PUNCT
fsr-3164	362	35	including	include	VERB
fsr-3164	362	36	having	have	VERB
fsr-3164	362	37	an	an	DET
fsr-3164	362	38	emergency	emergency	NOUN
fsr-3164	362	39	fund	fund	NOUN
fsr-3164	362	40	,	,	PUNCT
fsr-3164	362	41	owning	own	VERB
fsr-3164	362	42	a	a	DET
fsr-3164	362	43	savings	saving	NOUN
fsr-3164	362	44	account	account	NOUN
fsr-3164	362	45	,	,	PUNCT
fsr-3164	362	46	owning	own	VERB
fsr-3164	362	47	a	a	DET
fsr-3164	362	48	retirement	retirement	NOUN
fsr-3164	362	49	account	account	NOUN
fsr-3164	362	50	,	,	PUNCT
fsr-3164	362	51	having	have	VERB
fsr-3164	362	52	a	a	DET
fsr-3164	362	53	non	non	ADJ
fsr-3164	362	54	-	-	ADJ
fsr-3164	362	55	retirement	retirement	ADJ
fsr-3164	362	56	investment	investment	NOUN
fsr-3164	362	57	,	,	PUNCT
fsr-3164	362	58	and	and	CCONJ
fsr-3164	362	59	having	having	AUX
fsr-3164	362	60	figured	figure	VERB
fsr-3164	362	61	out	out	ADP
fsr-3164	362	62	the	the	DET
fsr-3164	362	63	retirement	retirement	NOUN
fsr-3164	362	64	needs	need	NOUN
fsr-3164	362	65	.	.	PUNCT
fsr-3164	363	1	the	the	DET
fsr-3164	363	2	results	result	NOUN
fsr-3164	363	3	are	be	AUX
fsr-3164	363	4	shown	show	VERB
fsr-3164	363	5	in	in	ADP
fsr-3164	363	6	table	table	NOUN
fsr-3164	363	7	6	6	NUM
fsr-3164	363	8	below	below	ADV
fsr-3164	363	9	.	.	PUNCT
fsr-3164	364	1	the	the	DET
fsr-3164	364	2	financial	financial	ADJ
fsr-3164	364	3	knowledge	knowledge	NOUN
fsr-3164	364	4	and	and	CCONJ
fsr-3164	364	5	financial	financial	ADJ
fsr-3164	364	6	confidence	confidence	NOUN
fsr-3164	364	7	variables	variable	NOUN
fsr-3164	364	8	are	be	AUX
fsr-3164	364	9	positive	positive	ADJ
fsr-3164	364	10	and	and	CCONJ
fsr-3164	364	11	significant	significant	ADJ
fsr-3164	364	12	for	for	ADP
fsr-3164	364	13	all	all	DET
fsr-3164	364	14	10	10	NUM
fsr-3164	364	15	of	of	ADP
fsr-3164	364	16	the	the	DET
fsr-3164	364	17	specifications	specification	NOUN
fsr-3164	364	18	.	.	PUNCT
fsr-3164	365	1	the	the	DET
fsr-3164	365	2	marginal	marginal	ADJ
fsr-3164	365	3	effect	effect	NOUN
fsr-3164	365	4	for	for	ADP
fsr-3164	365	5	the	the	DET
fsr-3164	365	6	interaction	interaction	NOUN
fsr-3164	365	7	term	term	NOUN
fsr-3164	365	8	,	,	PUNCT
fsr-3164	365	9	financial	financial	ADJ
fsr-3164	365	10	knowledge*confidence	knowledge*confidence	NOUN
fsr-3164	365	11	,	,	PUNCT
fsr-3164	365	12	is	be	AUX
fsr-3164	365	13	positive	positive	ADJ
fsr-3164	365	14	and	and	CCONJ
fsr-3164	365	15	significant	significant	ADJ
fsr-3164	365	16	for	for	ADP
fsr-3164	365	17	the	the	DET
fsr-3164	365	18	first	first	ADJ
fsr-3164	365	19	eight	eight	NUM
fsr-3164	365	20	specifications	specification	NOUN
fsr-3164	365	21	in	in	ADP
fsr-3164	365	22	table	table	NOUN
fsr-3164	365	23	6	6	NUM
fsr-3164	365	24	.	.	PUNCT
fsr-3164	365	25	as	as	SCONJ
fsr-3164	365	26	indicated	indicate	VERB
fsr-3164	365	27	in	in	ADP
fsr-3164	365	28	columns	column	NOUN
fsr-3164	365	29	9	9	NUM
fsr-3164	365	30	and	and	CCONJ
fsr-3164	365	31	10	10	NUM
fsr-3164	365	32	,	,	PUNCT
fsr-3164	365	33	the	the	DET
fsr-3164	365	34	coefficient	coefficient	NOUN
fsr-3164	365	35	for	for	ADP
fsr-3164	365	36	the	the	DET
fsr-3164	365	37	interaction	interaction	NOUN
fsr-3164	365	38	term	term	NOUN
fsr-3164	365	39	is	be	AUX
fsr-3164	365	40	negative	negative	ADJ
fsr-3164	365	41	.	.	PUNCT
fsr-3164	366	1	however	however	ADV
fsr-3164	366	2	,	,	PUNCT
fsr-3164	366	3	the	the	DET
fsr-3164	366	4	net	net	ADJ
fsr-3164	366	5	overall	overall	ADJ
fsr-3164	366	6	impact	impact	NOUN
fsr-3164	366	7	of	of	ADP
fsr-3164	366	8	financial	financial	ADJ
fsr-3164	366	9	knowledge	knowledge	NOUN
fsr-3164	366	10	and	and	CCONJ
fsr-3164	366	11	financial	financial	ADJ
fsr-3164	366	12	confidence	confidence	NOUN
fsr-3164	366	13	on	on	ADP
fsr-3164	366	14	financial	financial	ADJ
fsr-3164	366	15	behavior	behavior	NOUN
fsr-3164	366	16	is	be	AUX
fsr-3164	366	17	still	still	ADV
fsr-3164	366	18	positive	positive	ADJ
fsr-3164	366	19	and	and	CCONJ
fsr-3164	366	20	significant	significant	ADJ
fsr-3164	366	21	,	,	PUNCT
fsr-3164	366	22	respectively.6	respectively.6	NOUN
fsr-3164	366	23	being	be	AUX
fsr-3164	366	24	tech	tech	NOUN
fsr-3164	366	25	-	-	PUNCT
fsr-3164	366	26	savvy	savvy	NOUN
fsr-3164	366	27	is	be	AUX
fsr-3164	366	28	also	also	ADV
fsr-3164	366	29	negatively	negatively	ADV
fsr-3164	366	30	and	and	CCONJ
fsr-3164	366	31	significantly	significantly	ADV
fsr-3164	366	32	associated	associate	VERB
fsr-3164	366	33	with	with	ADP
fsr-3164	366	34	behaviors	behavior	NOUN
fsr-3164	366	35	of	of	ADP
fsr-3164	366	36	having	have	VERB
fsr-3164	366	37	an	an	DET
fsr-3164	366	38	emergency	emergency	NOUN
fsr-3164	366	39	fund	fund	NOUN
fsr-3164	366	40	.	.	PUNCT
fsr-3164	367	1	this	this	PRON
fsr-3164	367	2	could	could	AUX
fsr-3164	367	3	underscore	underscore	VERB
fsr-3164	367	4	the	the	DET
fsr-3164	367	5	idea	idea	NOUN
fsr-3164	367	6	that	that	SCONJ
fsr-3164	367	7	being	be	AUX
fsr-3164	367	8	tech	tech	NOUN
fsr-3164	367	9	-	-	PUNCT
fsr-3164	367	10	savvy	savvy	VERB
fsr-3164	367	11	adversely	adversely	ADV
fsr-3164	367	12	affects	affect	VERB
fsr-3164	367	13	the	the	DET
fsr-3164	367	14	potential	potential	ADJ
fsr-3164	367	15	saving	saving	NOUN
fsr-3164	367	16	for	for	ADP
fsr-3164	367	17	a	a	DET
fsr-3164	367	18	three	three	NUM
fsr-3164	367	19	-	-	PUNCT
fsr-3164	367	20	month	month	NOUN
fsr-3164	367	21	emergency	emergency	NOUN
fsr-3164	367	22	fund	fund	NOUN
fsr-3164	367	23	.	.	PUNCT
fsr-3164	368	1	it	it	PRON
fsr-3164	368	2	also	also	ADV
fsr-3164	368	3	confirms	confirm	VERB
fsr-3164	368	4	that	that	SCONJ
fsr-3164	368	5	individuals	individual	NOUN
fsr-3164	368	6	who	who	PRON
fsr-3164	368	7	are	be	AUX
fsr-3164	368	8	using	use	VERB
fsr-3164	368	9	technology	technology	NOUN
fsr-3164	368	10	more	more	ADV
fsr-3164	368	11	often	often	ADV
fsr-3164	368	12	are	be	AUX
fsr-3164	368	13	more	more	ADV
fsr-3164	368	14	likely	likely	ADJ
fsr-3164	368	15	to	to	PART
fsr-3164	368	16	spend	spend	VERB
fsr-3164	368	17	rather	rather	ADV
fsr-3164	368	18	than	than	ADP
fsr-3164	368	19	save	save	VERB
fsr-3164	368	20	.	.	PUNCT
fsr-3164	369	1	on	on	ADP
fsr-3164	369	2	the	the	DET
fsr-3164	369	3	other	other	ADJ
fsr-3164	369	4	hand	hand	NOUN
fsr-3164	369	5	,	,	PUNCT
fsr-3164	369	6	the	the	DET
fsr-3164	369	7	more	more	ADV
fsr-3164	369	8	tech	tech	NOUN
fsr-3164	369	9	-	-	PUNCT
fsr-3164	369	10	savvy	savvy	ADJ
fsr-3164	369	11	participants	participant	NOUN
fsr-3164	369	12	have	have	VERB
fsr-3164	369	13	a	a	DET
fsr-3164	369	14	higher	high	ADJ
fsr-3164	369	15	likelihood	likelihood	NOUN
fsr-3164	369	16	to	to	PART
fsr-3164	369	17	have	have	AUX
fsr-3164	369	18	retirement	retirement	NOUN
fsr-3164	369	19	accounts	account	NOUN
fsr-3164	369	20	and	and	CCONJ
fsr-3164	369	21	figure	figure	VERB
fsr-3164	369	22	out	out	ADP
fsr-3164	369	23	their	their	PRON
fsr-3164	369	24	retirement	retirement	NOUN
fsr-3164	369	25	needs	need	NOUN
fsr-3164	369	26	.	.	PUNCT
fsr-3164	370	1	this	this	PRON
fsr-3164	370	2	could	could	AUX
fsr-3164	370	3	indicate	indicate	VERB
fsr-3164	370	4	that	that	SCONJ
fsr-3164	370	5	individuals	individual	NOUN
fsr-3164	370	6	could	could	AUX
fsr-3164	370	7	be	be	AUX
fsr-3164	370	8	using	use	VERB
fsr-3164	370	9	technology	technology	NOUN
fsr-3164	370	10	to	to	PART
fsr-3164	370	11	establish	establish	VERB
fsr-3164	370	12	and	and	CCONJ
fsr-3164	370	13	monitor	monitor	VERB
fsr-3164	370	14	their	their	PRON
fsr-3164	370	15	retirement	retirement	NOUN
fsr-3164	370	16	accounts	account	NOUN
fsr-3164	370	17	,	,	PUNCT
fsr-3164	370	18	which	which	PRON
fsr-3164	370	19	helps	help	VERB
fsr-3164	370	20	them	they	PRON
fsr-3164	370	21	to	to	PART
fsr-3164	370	22	effectively	effectively	ADV
fsr-3164	370	23	manage	manage	VERB
fsr-3164	370	24	their	their	PRON
fsr-3164	370	25	long	long	ADJ
fsr-3164	370	26	-	-	PUNCT
fsr-3164	370	27	term	term	NOUN
fsr-3164	370	28	financial	financial	ADJ
fsr-3164	370	29	needs	need	NOUN
fsr-3164	370	30	.	.	PUNCT
fsr-3164	371	1	when	when	SCONJ
fsr-3164	371	2	comparing	compare	VERB
fsr-3164	371	3	the	the	DET
fsr-3164	371	4	regression	regression	NOUN
fsr-3164	371	5	results	result	NOUN
fsr-3164	371	6	of	of	ADP
fsr-3164	371	7	short	short	ADJ
fsr-3164	371	8	-	-	PUNCT
fsr-3164	371	9	term	term	NOUN
fsr-3164	371	10	financial	financial	ADJ
fsr-3164	371	11	behavior	behavior	NOUN
fsr-3164	371	12	(	(	PUNCT
fsr-3164	371	13	tables	table	NOUN
fsr-3164	371	14	3	3	NUM
fsr-3164	371	15	and	and	CCONJ
fsr-3164	371	16	4	4	NUM
fsr-3164	371	17	)	)	PUNCT
fsr-3164	371	18	to	to	ADP
fsr-3164	371	19	long	long	ADJ
fsr-3164	371	20	-	-	PUNCT
fsr-3164	371	21	term	term	NOUN
fsr-3164	371	22	financial	financial	ADJ
fsr-3164	371	23	behavior	behavior	NOUN
fsr-3164	371	24	(	(	PUNCT
fsr-3164	371	25	tables	table	NOUN
fsr-3164	371	26	5	5	NUM
fsr-3164	371	27	and	and	CCONJ
fsr-3164	371	28	6	6	NUM
fsr-3164	371	29	)	)	PUNCT
fsr-3164	371	30	,	,	PUNCT
fsr-3164	371	31	the	the	DET
fsr-3164	371	32	observed	observe	VERB
fsr-3164	371	33	financial	financial	ADJ
fsr-3164	371	34	knowledge	knowledge	NOUN
fsr-3164	371	35	is	be	AUX
fsr-3164	371	36	a	a	DET
fsr-3164	371	37	relevant	relevant	ADJ
fsr-3164	371	38	variable	variable	NOUN
fsr-3164	371	39	in	in	ADP
fsr-3164	371	40	explaining	explain	VERB
fsr-3164	371	41	financial	financial	ADJ
fsr-3164	371	42	behavior	behavior	NOUN
fsr-3164	371	43	.	.	PUNCT
fsr-3164	372	1	we	we	PRON
fsr-3164	372	2	notice	notice	VERB
fsr-3164	372	3	that	that	SCONJ
fsr-3164	372	4	the	the	DET
fsr-3164	372	5	marginal	marginal	ADJ
fsr-3164	372	6	effects	effect	NOUN
fsr-3164	372	7	from	from	ADP
fsr-3164	372	8	the	the	DET
fsr-3164	372	9	long	long	ADJ
fsr-3164	372	10	-	-	PUNCT
fsr-3164	372	11	term	term	NOUN
fsr-3164	372	12	regressions	regression	NOUN
fsr-3164	372	13	are	be	AUX
fsr-3164	372	14	larger	large	ADJ
fsr-3164	372	15	than	than	ADP
fsr-3164	372	16	the	the	DET
fsr-3164	372	17	corresponding	corresponding	ADJ
fsr-3164	372	18	marginal	marginal	ADJ
fsr-3164	372	19	effects	effect	NOUN
fsr-3164	372	20	from	from	ADP
fsr-3164	372	21	the	the	DET
fsr-3164	372	22	short	short	ADJ
fsr-3164	372	23	-	-	PUNCT
fsr-3164	372	24	term	term	NOUN
fsr-3164	372	25	regression	regression	NOUN
fsr-3164	372	26	.	.	PUNCT
fsr-3164	373	1	this	this	PRON
fsr-3164	373	2	shows	show	VERB
fsr-3164	373	3	that	that	SCONJ
fsr-3164	373	4	financial	financial	ADJ
fsr-3164	373	5	knowledge	knowledge	NOUN
fsr-3164	373	6	affects	affect	VERB
fsr-3164	373	7	the	the	DET
fsr-3164	373	8	long	long	ADJ
fsr-3164	373	9	-	-	PUNCT
fsr-3164	373	10	term	term	NOUN
fsr-3164	373	11	financial	financial	ADJ
fsr-3164	373	12	behavior	behavior	NOUN
fsr-3164	373	13	at	at	ADP
fsr-3164	373	14	a	a	DET
fsr-3164	373	15	much	much	ADV
fsr-3164	373	16	higher	high	ADJ
fsr-3164	373	17	rate	rate	NOUN
fsr-3164	373	18	than	than	ADP
fsr-3164	373	19	short	short	ADJ
fsr-3164	373	20	-	-	PUNCT
fsr-3164	373	21	term	term	NOUN
fsr-3164	373	22	financial	financial	ADJ
fsr-3164	373	23	behavior	behavior	NOUN
fsr-3164	373	24	.	.	PUNCT
fsr-3164	374	1	on	on	ADP
fsr-3164	374	2	the	the	DET
fsr-3164	374	3	other	other	ADJ
fsr-3164	374	4	hand	hand	NOUN
fsr-3164	374	5	,	,	PUNCT
fsr-3164	374	6	the	the	DET
fsr-3164	374	7	marginal	marginal	ADJ
fsr-3164	374	8	effects	effect	NOUN
fsr-3164	374	9	of	of	ADP
fsr-3164	374	10	financial	financial	ADJ
fsr-3164	374	11	confidence	confidence	NOUN
fsr-3164	374	12	appeared	appear	VERB
fsr-3164	374	13	to	to	PART
fsr-3164	374	14	be	be	AUX
fsr-3164	374	15	slightly	slightly	ADV
fsr-3164	374	16	higher	high	ADJ
fsr-3164	374	17	in	in	ADP
fsr-3164	374	18	the	the	DET
fsr-3164	374	19	short	short	ADJ
fsr-3164	374	20	-	-	PUNCT
fsr-3164	374	21	term	term	NOUN
fsr-3164	374	22	models	model	NOUN
fsr-3164	374	23	than	than	ADP
fsr-3164	374	24	in	in	ADP
fsr-3164	374	25	the	the	DET
fsr-3164	374	26	long	long	ADJ
fsr-3164	374	27	-	-	PUNCT
fsr-3164	374	28	term	term	NOUN
fsr-3164	374	29	estimation	estimation	NOUN
fsr-3164	374	30	results	result	NOUN
fsr-3164	374	31	(	(	PUNCT
fsr-3164	374	32	table	table	NOUN
fsr-3164	374	33	3	3	NUM
fsr-3164	374	34	vs.	vs.	ADP
fsr-3164	374	35	table	table	NOUN
fsr-3164	374	36	5	5	NUM
fsr-3164	374	37	)	)	PUNCT
fsr-3164	374	38	.	.	PUNCT
fsr-3164	375	1	this	this	PRON
fsr-3164	375	2	could	could	AUX
fsr-3164	375	3	be	be	AUX
fsr-3164	375	4	because	because	SCONJ
fsr-3164	375	5	people	people	NOUN
fsr-3164	375	6	receive	receive	VERB
fsr-3164	375	7	timely	timely	ADJ
fsr-3164	375	8	feedback	feedback	NOUN
fsr-3164	375	9	for	for	ADP
fsr-3164	375	10	the	the	DET
fsr-3164	375	11	short	short	ADJ
fsr-3164	375	12	-	-	PUNCT
fsr-3164	375	13	term	term	NOUN
fsr-3164	375	14	financial	financial	ADJ
fsr-3164	375	15	responsibilities	responsibility	NOUN
fsr-3164	375	16	.	.	PUNCT
fsr-3164	376	1	for	for	ADP
fsr-3164	376	2	example	example	NOUN
fsr-3164	376	3	,	,	PUNCT
fsr-3164	376	4	if	if	SCONJ
fsr-3164	376	5	people	people	NOUN
fsr-3164	376	6	were	be	AUX
fsr-3164	376	7	penalized	penalize	VERB
fsr-3164	376	8	due	due	ADP
fsr-3164	376	9	to	to	ADP
fsr-3164	376	10	not	not	PART
fsr-3164	376	11	paying	pay	VERB
fsr-3164	376	12	their	their	PRON
fsr-3164	376	13	credit	credit	NOUN
fsr-3164	376	14	card	card	NOUN
fsr-3164	376	15	balance	balance	NOUN
fsr-3164	376	16	in	in	ADP
fsr-3164	376	17	full	full	ADJ
fsr-3164	376	18	,	,	PUNCT
fsr-3164	376	19	their	their	PRON
fsr-3164	376	20	perception	perception	NOUN
fsr-3164	376	21	of	of	ADP
fsr-3164	376	22	handling	handle	VERB
fsr-3164	376	23	their	their	PRON
fsr-3164	376	24	finances	finance	NOUN
fsr-3164	376	25	would	would	AUX
fsr-3164	376	26	be	be	AUX
fsr-3164	376	27	more	more	ADV
fsr-3164	376	28	pronounced	pronounce	VERB
fsr-3164	376	29	in	in	ADP
fsr-3164	376	30	short	short	ADJ
fsr-3164	376	31	-	-	PUNCT
fsr-3164	376	32	term	term	NOUN
fsr-3164	376	33	rather	rather	ADV
fsr-3164	376	34	than	than	ADP
fsr-3164	376	35	long	long	ADJ
fsr-3164	376	36	-	-	PUNCT
fsr-3164	376	37	term	term	NOUN
fsr-3164	376	38	financial	financial	ADJ
fsr-3164	376	39	behavior	behavior	NOUN
fsr-3164	376	40	.	.	PUNCT
fsr-3164	377	1	as	as	SCONJ
fsr-3164	377	2	shown	show	VERB
fsr-3164	377	3	in	in	ADP
fsr-3164	377	4	tables	table	NOUN
fsr-3164	377	5	3	3	NUM
fsr-3164	377	6	and	and	CCONJ
fsr-3164	377	7	5	5	NUM
fsr-3164	377	8	,	,	PUNCT
fsr-3164	377	9	the	the	DET
fsr-3164	377	10	tech	tech	NOUN
fsr-3164	377	11	-	-	PUNCT
fsr-3164	377	12	savvy	savvy	ADJ
fsr-3164	377	13	variable	variable	NOUN
fsr-3164	377	14	is	be	AUX
fsr-3164	377	15	negative	negative	ADJ
fsr-3164	377	16	and	and	CCONJ
fsr-3164	377	17	significant	significant	ADJ
fsr-3164	377	18	in	in	ADP
fsr-3164	377	19	the	the	DET
fsr-3164	377	20	overall	overall	ADJ
fsr-3164	377	21	short	short	ADJ
fsr-3164	377	22	-	-	PUNCT
fsr-3164	377	23	term	term	NOUN
fsr-3164	377	24	financial	financial	ADJ
fsr-3164	377	25	behavior	behavior	NOUN
fsr-3164	377	26	model	model	NOUN
fsr-3164	377	27	,	,	PUNCT
fsr-3164	377	28	and	and	CCONJ
fsr-3164	377	29	positive	positive	ADJ
fsr-3164	377	30	and	and	CCONJ
fsr-3164	377	31	significant	significant	ADJ
fsr-3164	377	32	in	in	ADP
fsr-3164	377	33	the	the	DET
fsr-3164	377	34	overall	overall	ADJ
fsr-3164	377	35	long	long	ADJ
fsr-3164	377	36	-	-	PUNCT
fsr-3164	377	37	term	term	NOUN
fsr-3164	377	38	financial	financial	ADJ
fsr-3164	377	39	behavior	behavior	NOUN
fsr-3164	377	40	model	model	NOUN
fsr-3164	377	41	.	.	PUNCT
fsr-3164	378	1	this	this	PRON
fsr-3164	378	2	suggests	suggest	VERB
fsr-3164	378	3	people	people	NOUN
fsr-3164	378	4	may	may	AUX
fsr-3164	378	5	use	use	VERB
fsr-3164	378	6	technology	technology	NOUN
fsr-3164	378	7	recklessly	recklessly	ADV
fsr-3164	378	8	and	and	CCONJ
fsr-3164	378	9	behave	behave	VERB
fsr-3164	378	10	irrationally	irrationally	ADV
fsr-3164	378	11	in	in	ADP
fsr-3164	378	12	terms	term	NOUN
fsr-3164	378	13	of	of	ADP
fsr-3164	378	14	managing	manage	VERB
fsr-3164	378	15	their	their	PRON
fsr-3164	378	16	short	short	ADJ
fsr-3164	378	17	-	-	PUNCT
fsr-3164	378	18	term	term	NOUN
fsr-3164	378	19	finances	finance	NOUN
fsr-3164	378	20	such	such	ADJ
fsr-3164	378	21	as	as	ADP
fsr-3164	378	22	overspending	overspending	NOUN
fsr-3164	378	23	or	or	CCONJ
fsr-3164	378	24	overriding	override	VERB
fsr-3164	378	25	their	their	PRON
fsr-3164	378	26	credit	credit	NOUN
fsr-3164	378	27	limit	limit	NOUN
fsr-3164	378	28	.	.	PUNCT
fsr-3164	379	1	on	on	ADP
fsr-3164	379	2	the	the	DET
fsr-3164	379	3	contrary	contrary	NOUN
fsr-3164	379	4	,	,	PUNCT
fsr-3164	379	5	they	they	PRON
fsr-3164	379	6	may	may	AUX
fsr-3164	379	7	engage	engage	VERB
fsr-3164	379	8	in	in	ADP
fsr-3164	379	9	more	more	ADV
fsr-3164	379	10	rational	rational	ADJ
fsr-3164	379	11	long	long	ADJ
fsr-3164	379	12	-	-	PUNCT
fsr-3164	379	13	term	term	NOUN
fsr-3164	379	14	financial	financial	ADJ
fsr-3164	379	15	behavior	behavior	NOUN
fsr-3164	379	16	that	that	PRON
fsr-3164	379	17	requires	require	VERB
fsr-3164	379	18	long	long	ADJ
fsr-3164	379	19	-	-	PUNCT
fsr-3164	379	20	term	term	NOUN
fsr-3164	379	21	planning	planning	NOUN
fsr-3164	379	22	.	.	PUNCT
fsr-3164	380	1	when	when	SCONJ
fsr-3164	380	2	looking	look	VERB
fsr-3164	380	3	at	at	ADP
fsr-3164	380	4	individual	individual	ADJ
fsr-3164	380	5	constraints	constraint	NOUN
fsr-3164	380	6	and	and	CCONJ
fsr-3164	380	7	other	other	ADJ
fsr-3164	380	8	socio	socio	NOUN
fsr-3164	380	9	-	-	PUNCT
fsr-3164	380	10	economic	economic	ADJ
fsr-3164	380	11	variables	variable	NOUN
fsr-3164	380	12	in	in	ADP
fsr-3164	380	13	the	the	DET
fsr-3164	380	14	regression	regression	NOUN
fsr-3164	380	15	models	model	NOUN
fsr-3164	380	16	for	for	ADP
fsr-3164	380	17	short	short	ADJ
fsr-3164	380	18	-	-	PUNCT
fsr-3164	380	19	term	term	NOUN
fsr-3164	380	20	financial	financial	ADJ
fsr-3164	380	21	behavior	behavior	NOUN
fsr-3164	380	22	,	,	PUNCT
fsr-3164	380	23	we	we	PRON
fsr-3164	380	24	find	find	VERB
fsr-3164	380	25	that	that	SCONJ
fsr-3164	380	26	men	man	NOUN
fsr-3164	380	27	have	have	VERB
fsr-3164	380	28	better	well	ADJ
fsr-3164	380	29	short	short	ADJ
fsr-3164	380	30	-	-	PUNCT
fsr-3164	380	31	term	term	NOUN
fsr-3164	380	32	financial	financial	ADJ
fsr-3164	380	33	behavior	behavior	NOUN
fsr-3164	380	34	against	against	ADP
fsr-3164	380	35	their	their	PRON
fsr-3164	380	36	counterparts	counterpart	NOUN
fsr-3164	380	37	,	,	PUNCT
fsr-3164	380	38	women	woman	NOUN
fsr-3164	380	39	.	.	PUNCT
fsr-3164	381	1	on	on	ADP
fsr-3164	381	2	average	average	ADJ
fsr-3164	381	3	,	,	PUNCT
fsr-3164	381	4	white	white	ADJ
fsr-3164	381	5	individuals	individual	NOUN
fsr-3164	381	6	are	be	AUX
fsr-3164	381	7	more	more	ADV
fsr-3164	381	8	likely	likely	ADJ
fsr-3164	381	9	to	to	PART
fsr-3164	381	10	have	have	VERB
fsr-3164	381	11	better	well	ADJ
fsr-3164	381	12	short	short	ADJ
fsr-3164	381	13	-	-	PUNCT
fsr-3164	381	14	term	term	NOUN
fsr-3164	381	15	financial	financial	ADJ
fsr-3164	381	16	behavior	behavior	NOUN
fsr-3164	381	17	than	than	ADP
fsr-3164	381	18	the	the	DET
fsr-3164	381	19	reference	reference	NOUN
fsr-3164	381	20	category	category	NOUN
fsr-3164	381	21	,	,	PUNCT
fsr-3164	381	22	black	black	NOUN
fsr-3164	381	23	.	.	PUNCT
fsr-3164	382	1	individuals	individual	NOUN
fsr-3164	382	2	with	with	ADP
fsr-3164	382	3	a	a	DET
fsr-3164	382	4	bachelor	bachelor	NOUN
fsr-3164	382	5	’s	’s	PART
fsr-3164	382	6	or	or	CCONJ
fsr-3164	382	7	post	post	ADJ
fsr-3164	382	8	-	-	ADJ
fsr-3164	382	9	graduate	graduate	ADJ
fsr-3164	382	10	degrees	degree	NOUN
fsr-3164	382	11	are	be	AUX
fsr-3164	382	12	also	also	ADV
fsr-3164	382	13	more	more	ADV
fsr-3164	382	14	likely	likely	ADJ
fsr-3164	382	15	to	to	PART
fsr-3164	382	16	engage	engage	VERB
fsr-3164	382	17	in	in	ADP
fsr-3164	382	18	better	well	ADJ
fsr-3164	382	19	short	short	ADJ
fsr-3164	382	20	-	-	PUNCT
fsr-3164	382	21	term	term	NOUN
fsr-3164	382	22	financial	financial	ADJ
fsr-3164	382	23	behavior	behavior	NOUN
fsr-3164	382	24	compared	compare	VERB
fsr-3164	382	25	with	with	ADP
fsr-3164	382	26	high	high	ADJ
fsr-3164	382	27	school	school	NOUN
fsr-3164	382	28	graduates	graduate	NOUN
fsr-3164	382	29	.	.	PUNCT
fsr-3164	383	1	married	married	ADJ
fsr-3164	383	2	individuals	individual	NOUN
fsr-3164	383	3	are	be	AUX
fsr-3164	383	4	less	less	ADV
fsr-3164	383	5	likely	likely	ADJ
fsr-3164	383	6	to	to	PART
fsr-3164	383	7	have	have	VERB
fsr-3164	383	8	good	good	ADJ
fsr-3164	383	9	short	short	ADJ
fsr-3164	383	10	-	-	PUNCT
fsr-3164	383	11	term	term	NOUN
fsr-3164	383	12	financial	financial	ADJ
fsr-3164	383	13	behavior	behavior	NOUN
fsr-3164	383	14	against	against	ADP
fsr-3164	383	15	unmarried	unmarried	ADJ
fsr-3164	383	16	counterparts	counterpart	NOUN
fsr-3164	383	17	.	.	PUNCT
fsr-3164	384	1	this	this	PRON
fsr-3164	384	2	could	could	AUX
fsr-3164	384	3	be	be	AUX
fsr-3164	384	4	due	due	ADJ
fsr-3164	384	5	to	to	ADP
fsr-3164	384	6	having	have	VERB
fsr-3164	384	7	a	a	DET
fsr-3164	384	8	heavier	heavy	ADJ
fsr-3164	384	9	financial	financial	ADJ
fsr-3164	384	10	burden	burden	NOUN
fsr-3164	384	11	on	on	ADP
fsr-3164	384	12	a	a	DET
fsr-3164	384	13	spouse	spouse	NOUN
fsr-3164	384	14	and	and	CCONJ
fsr-3164	384	15	a	a	DET
fsr-3164	384	16	family	family	NOUN
fsr-3164	384	17	.	.	PUNCT
fsr-3164	385	1	all	all	DET
fsr-3164	385	2	income	income	NOUN
fsr-3164	385	3	variables	variable	NOUN
fsr-3164	385	4	are	be	AUX
fsr-3164	385	5	positive	positive	ADJ
fsr-3164	385	6	and	and	CCONJ
fsr-3164	385	7	significant	significant	ADJ
fsr-3164	385	8	with	with	ADP
fsr-3164	385	9	short	short	ADJ
fsr-3164	385	10	-	-	PUNCT
fsr-3164	385	11	term	term	NOUN
fsr-3164	385	12	financial	financial	ADJ
fsr-3164	385	13	behavior	behavior	NOUN
fsr-3164	385	14	(	(	PUNCT
fsr-3164	385	15	earning	earn	VERB
fsr-3164	385	16	annual	annual	ADJ
fsr-3164	385	17	average	average	ADJ
fsr-3164	385	18	income	income	NOUN
fsr-3164	385	19	less	less	ADJ
fsr-3164	385	20	than	than	ADP
fsr-3164	385	21	25k	25k	NUM
fsr-3164	385	22	is	be	AUX
fsr-3164	385	23	the	the	DET
fsr-3164	385	24	reference	reference	NOUN
fsr-3164	385	25	category	category	NOUN
fsr-3164	385	26	)	)	PUNCT
fsr-3164	385	27	.	.	PUNCT
fsr-3164	386	1	the	the	DET
fsr-3164	386	2	coefficients	coefficient	NOUN
fsr-3164	386	3	are	be	AUX
fsr-3164	386	4	highest	high	ADJ
fsr-3164	386	5	for	for	ADP
fsr-3164	386	6	those	those	DET
fsr-3164	386	7	a.	a.	NOUN
fsr-3164	386	8	mussa	mussa	PROPN
fsr-3164	386	9	et	et	PROPN
fsr-3164	386	10	al	al	PROPN
fsr-3164	386	11	.	.	PUNCT
fsr-3164	386	12	/	/	SYM
fsr-3164	386	13	financial	financial	ADJ
fsr-3164	386	14	services	service	NOUN
fsr-3164	386	15	review	review	VERB
fsr-3164	386	16	30	30	NUM
fsr-3164	386	17	(	(	PUNCT
fsr-3164	386	18	2022	2022	NUM
fsr-3164	386	19	)	)	PUNCT
fsr-3164	387	1	273–296	273–296	NUM
fsr-3164	387	2	285	285	NUM
fsr-3164	387	3	t	t	PROPN
fsr-3164	387	4	ab	ab	PROPN
fsr-3164	387	5	le	le	PROPN
fsr-3164	387	6	6	6	NUM
fsr-3164	387	7	l	l	NOUN
fsr-3164	387	8	o	o	X
fsr-3164	387	9	g	g	NOUN
fsr-3164	387	10	is	be	AUX
fsr-3164	387	11	ti	ti	X
fsr-3164	387	12	c	c	NOUN
fsr-3164	387	13	re	re	ADP
fsr-3164	387	14	g	g	PROPN
fsr-3164	387	15	re	re	ADP
fsr-3164	387	16	ss	ss	PROPN
fsr-3164	387	17	io	io	PROPN
fsr-3164	387	18	n	n	PROPN
fsr-3164	387	19	p	p	X
fsr-3164	387	20	re	re	PROPN
fsr-3164	387	21	d	d	X
fsr-3164	387	22	ic	ic	X
fsr-3164	387	23	ti	ti	PROPN
fsr-3164	387	24	n	n	PRON
fsr-3164	387	25	g	g	NOUN
fsr-3164	387	26	in	in	ADP
fsr-3164	387	27	d	d	PROPN
fsr-3164	387	28	iv	iv	INTJ
fsr-3164	387	29	i	i	PROPN
fsr-3164	387	30	d	d	PROPN
fsr-3164	387	31	u	u	PROPN
fsr-3164	387	32	al	al	PROPN
fsr-3164	387	33	m	m	PROPN
fsr-3164	387	34	ea	ea	PROPN
fsr-3164	387	35	su	su	PROPN
fsr-3164	388	1	re	re	PROPN
fsr-3164	388	2	o	o	PROPN
fsr-3164	389	1	f	f	PROPN
fsr-3164	389	2	lo	lo	PROPN
fsr-3164	389	3	n	n	CCONJ
fsr-3164	389	4	g	g	NOUN
fsr-3164	390	1	-t	-t	PUNCT
fsr-3164	390	2	er	er	INTJ
fsr-3164	390	3	m	m	PROPN
fsr-3164	390	4	fi	fi	NOUN
fsr-3164	390	5	n	n	CCONJ
fsr-3164	390	6	an	an	DET
fsr-3164	390	7	ci	ci	PROPN
fsr-3164	390	8	al	al	PROPN
fsr-3164	390	9	b	b	PROPN
fsr-3164	390	10	eh	eh	INTJ
fsr-3164	390	11	av	av	PROPN
fsr-3164	390	12	io	io	PROPN
fsr-3164	390	13	r	r	PROPN
fsr-3164	390	14	v	v	PROPN
fsr-3164	390	15	ar	ar	PROPN
fsr-3164	390	16	ia	ia	PROPN
fsr-3164	390	17	b	b	PROPN
fsr-3164	390	18	le	le	X
fsr-3164	390	19	s	s	PROPN
fsr-3164	390	20	m	m	PROPN
fsr-3164	390	21	ea	ea	X
fsr-3164	390	22	su	su	PROPN
fsr-3164	390	23	re	re	PROPN
fsr-3164	390	24	s	s	PROPN
fsr-3164	390	25	o	o	PROPN
fsr-3164	390	26	f	f	X
fsr-3164	390	27	lo	lo	PROPN
fsr-3164	391	1	n	n	CCONJ
fsr-3164	391	2	g	g	NOUN
fsr-3164	391	3	-t	-t	PUNCT
fsr-3164	391	4	er	er	INTJ
fsr-3164	391	5	m	m	PROPN
fsr-3164	391	6	fi	fi	NOUN
fsr-3164	391	7	n	n	CCONJ
fsr-3164	391	8	an	an	DET
fsr-3164	391	9	ci	ci	PROPN
fsr-3164	391	10	al	al	PROPN
fsr-3164	391	11	b	b	PROPN
fsr-3164	391	12	eh	eh	INTJ
fsr-3164	391	13	av	av	PROPN
fsr-3164	391	14	io	io	NOUN
fsr-3164	391	15	r	r	PROPN
fsr-3164	391	16	e	e	NOUN
fsr-3164	391	17	m	m	VERB
fsr-3164	391	18	er	er	INTJ
fsr-3164	391	19	g	g	PROPN
fsr-3164	391	20	en	en	PROPN
fsr-3164	391	21	cy	cy	PROPN
fsr-3164	391	22	fu	fu	PROPN
fsr-3164	392	1	n	n	PROPN
fsr-3164	392	2	d	d	PROPN
fsr-3164	392	3	s	s	PROPN
fsr-3164	392	4	av	av	PROPN
fsr-3164	392	5	in	in	ADP
fsr-3164	392	6	g	g	PROPN
fsr-3164	392	7	ac	ac	PROPN
fsr-3164	392	8	co	co	PROPN
fsr-3164	392	9	u	u	PROPN
fsr-3164	392	10	n	n	ADP
fsr-3164	392	11	t	t	NOUN
fsr-3164	392	12	r	r	NOUN
fsr-3164	392	13	et	et	NOUN
fsr-3164	392	14	ir	ir	VERB
fsr-3164	392	15	em	em	PRON
fsr-3164	392	16	en	en	PROPN
fsr-3164	392	17	t	t	PROPN
fsr-3164	392	18	ac	ac	PROPN
fsr-3164	392	19	co	co	PROPN
fsr-3164	392	20	u	u	PROPN
fsr-3164	392	21	n	n	ADP
fsr-3164	392	22	t	t	PROPN
fsr-3164	392	23	n	n	CCONJ
fsr-3164	392	24	o	o	NOUN
fsr-3164	392	25	n	n	ADP
fsr-3164	392	26	re	re	ADP
fsr-3164	392	27	ti	ti	X
fsr-3164	392	28	re	re	VERB
fsr-3164	392	29	m	m	PROPN
fsr-3164	392	30	en	en	ADP
fsr-3164	392	31	t	t	PROPN
fsr-3164	392	32	in	in	ADP
fsr-3164	392	33	v	v	NUM
fsr-3164	392	34	es	es	ADP
fsr-3164	392	35	tm	tm	PROPN
fsr-3164	392	36	en	en	PROPN
fsr-3164	392	37	t	t	PROPN
fsr-3164	392	38	f	f	PROPN
fsr-3164	392	39	ig	ig	PROPN
fsr-3164	392	40	u	u	PROPN
fsr-3164	392	41	re	re	ADP
fsr-3164	392	42	d	d	X
fsr-3164	392	43	re	re	ADP
fsr-3164	392	44	ti	ti	X
fsr-3164	392	45	re	re	VERB
fsr-3164	392	46	m	m	PROPN
fsr-3164	392	47	en	en	ADP
fsr-3164	392	48	t	t	PROPN
fsr-3164	392	49	(	(	PUNCT
fsr-3164	392	50	1	1	NUM
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fsr-3164	392	53	2	2	X
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fsr-3164	392	56	3	3	X
fsr-3164	392	57	)	)	PUNCT
fsr-3164	392	58	(	(	PUNCT
fsr-3164	392	59	4	4	NUM
fsr-3164	392	60	)	)	PUNCT
fsr-3164	392	61	(	(	PUNCT
fsr-3164	392	62	5	5	NUM
fsr-3164	392	63	)	)	PUNCT
fsr-3164	392	64	(	(	PUNCT
fsr-3164	392	65	6	6	NUM
fsr-3164	392	66	)	)	PUNCT
fsr-3164	392	67	(	(	PUNCT
fsr-3164	392	68	7	7	NUM
fsr-3164	392	69	)	)	PUNCT
fsr-3164	392	70	(	(	PUNCT
fsr-3164	392	71	8	8	NUM
fsr-3164	392	72	)	)	PUNCT
fsr-3164	392	73	(	(	PUNCT
fsr-3164	392	74	9	9	NUM
fsr-3164	392	75	)	)	PUNCT
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fsr-3164	392	77	1	1	NUM
fsr-3164	392	78	0	0	NUM
fsr-3164	392	79	)	)	PUNCT
fsr-3164	392	80	f	f	PROPN
fsr-3164	392	81	in	in	ADP
fsr-3164	392	82	an	an	DET
fsr-3164	392	83	ci	ci	NOUN
fsr-3164	392	84	al	al	PROPN
fsr-3164	392	85	k	k	PROPN
fsr-3164	393	1	n	n	PRON
fsr-3164	394	1	o	o	X
fsr-3164	394	2	w	w	X
fsr-3164	394	3	le	le	PROPN
fsr-3164	394	4	d	d	X
fsr-3164	394	5	g	g	PROPN
fsr-3164	394	6	e	e	PROPN
fsr-3164	394	7	0	0	SYM
fsr-3164	394	8	.0	.0	NUM
fsr-3164	394	9	1	1	NUM
fsr-3164	394	10	9	9	NUM
fsr-3164	394	11	6	6	NUM
fsr-3164	394	12	*	*	PUNCT
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fsr-3164	396	1	.0	.0	NUM
fsr-3164	396	2	2	2	NUM
fsr-3164	396	3	0	0	NUM
fsr-3164	396	4	3	3	NUM
fsr-3164	396	5	*	*	PUNCT
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fsr-3164	397	1	.0	.0	NUM
fsr-3164	397	2	3	3	NUM
fsr-3164	397	3	3	3	NUM
fsr-3164	397	4	6	6	NUM
fsr-3164	397	5	*	*	PUNCT
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fsr-3164	399	2	3	3	NUM
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fsr-3164	399	5	*	*	PUNCT
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fsr-3164	401	2	5	5	NUM
fsr-3164	401	3	5	5	NUM
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fsr-3164	401	5	*	*	PUNCT
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fsr-3164	403	2	5	5	NUM
fsr-3164	403	3	4	4	NUM
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fsr-3164	403	5	*	*	PUNCT
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fsr-3164	406	3	8	8	NUM
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fsr-3164	406	5	*	*	PUNCT
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fsr-3164	408	2	8	8	NUM
fsr-3164	408	3	7	7	NUM
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fsr-3164	408	5	*	*	PUNCT
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fsr-3164	409	4	.1	.1	NUM
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fsr-3164	410	3	0	0	NUM
fsr-3164	410	4	.1	.1	NUM
fsr-3164	410	5	2	2	NUM
fsr-3164	410	6	2	2	NUM
fsr-3164	410	7	*	*	PUNCT
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fsr-3164	411	5	.0	.0	NUM
fsr-3164	411	6	0	0	NUM
fsr-3164	411	7	8	8	NUM
fsr-3164	411	8	0	0	NUM
fsr-3164	411	9	4	4	NUM
fsr-3164	411	10	)	)	PUNCT
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fsr-3164	411	17	2	2	NUM
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fsr-3164	411	22	0	0	NUM
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fsr-3164	411	25	6	6	NUM
fsr-3164	411	26	)	)	PUNCT
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fsr-3164	411	33	5	5	NUM
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fsr-3164	411	40	8	8	NUM
fsr-3164	411	41	5	5	NUM
fsr-3164	411	42	)	)	PUNCT
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fsr-3164	411	49	5	5	NUM
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fsr-3164	411	65	5	5	NUM
fsr-3164	411	66	)	)	PUNCT
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fsr-3164	411	81	9	9	NUM
fsr-3164	411	82	)	)	PUNCT
fsr-3164	411	83	f	f	NOUN
fsr-3164	411	84	in	in	ADP
fsr-3164	411	85	an	an	DET
fsr-3164	411	86	ci	ci	PROPN
fsr-3164	411	87	al	al	PROPN
fsr-3164	411	88	co	co	PROPN
fsr-3164	411	89	n	n	PROPN
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fsr-3164	420	2	5	5	NUM
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fsr-3164	420	5	*	*	PUNCT
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fsr-3164	421	2	0	0	NUM
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fsr-3164	422	2	5	5	NUM
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fsr-3164	422	4	7	7	NUM
fsr-3164	422	5	*	*	PUNCT
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fsr-3164	423	3	0	0	NUM
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fsr-3164	424	7	*	*	PUNCT
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fsr-3164	430	6	0	0	NUM
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fsr-3164	474	28	5	5	NUM
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fsr-3164	474	32	.0	.0	NUM
fsr-3164	474	33	6	6	NUM
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fsr-3164	474	36	*	*	PUNCT
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fsr-3164	476	2	6	6	NUM
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fsr-3164	476	5	*	*	PUNCT
fsr-3164	477	1	*	*	PUNCT
fsr-3164	477	2	*	*	PUNCT
fsr-3164	477	3	(	(	PUNCT
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fsr-3164	477	5	.0	.0	NUM
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fsr-3164	477	8	6	6	NUM
fsr-3164	477	9	9	9	NUM
fsr-3164	477	10	)	)	PUNCT
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fsr-3164	477	13	.0	.0	NUM
fsr-3164	477	14	0	0	NUM
fsr-3164	477	15	8	8	NUM
fsr-3164	477	16	4	4	NUM
fsr-3164	477	17	6	6	NUM
fsr-3164	477	18	)	)	PUNCT
fsr-3164	477	19	(	(	PUNCT
fsr-3164	477	20	0	0	NUM
fsr-3164	477	21	.0	.0	NUM
fsr-3164	477	22	0	0	NUM
fsr-3164	477	23	8	8	NUM
fsr-3164	477	24	4	4	NUM
fsr-3164	477	25	8	8	NUM
fsr-3164	477	26	)	)	PUNCT
fsr-3164	477	27	(	(	PUNCT
fsr-3164	477	28	0	0	NUM
fsr-3164	477	29	.0	.0	NUM
fsr-3164	477	30	1	1	NUM
fsr-3164	477	31	0	0	NUM
fsr-3164	477	32	3	3	NUM
fsr-3164	477	33	)	)	PUNCT
fsr-3164	477	34	(	(	PUNCT
fsr-3164	477	35	0	0	NUM
fsr-3164	477	36	.0	.0	NUM
fsr-3164	477	37	1	1	NUM
fsr-3164	477	38	0	0	NUM
fsr-3164	477	39	3	3	NUM
fsr-3164	477	40	)	)	PUNCT
fsr-3164	477	41	p	p	NOUN
fsr-3164	477	42	se	se	X
fsr-3164	477	43	u	u	PROPN
fsr-3164	478	1	d	d	X
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fsr-3164	478	3	r	r	NOUN
fsr-3164	478	4	2	2	NUM
fsr-3164	478	5	0	0	NUM
fsr-3164	478	6	.2	.2	NUM
fsr-3164	478	7	9	9	NUM
fsr-3164	478	8	7	7	NUM
fsr-3164	478	9	0	0	NUM
fsr-3164	478	10	.3	.3	NUM
fsr-3164	478	11	0	0	NUM
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fsr-3164	478	13	0	0	NUM
fsr-3164	478	14	.1	.1	NUM
fsr-3164	478	15	9	9	NUM
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fsr-3164	478	17	0	0	NUM
fsr-3164	478	18	.1	.1	NUM
fsr-3164	478	19	9	9	NUM
fsr-3164	478	20	6	6	NUM
fsr-3164	478	21	1	1	NUM
fsr-3164	478	22	0	0	NUM
fsr-3164	478	23	.3	.3	NUM
fsr-3164	478	24	2	2	NUM
fsr-3164	478	25	3	3	NUM
fsr-3164	478	26	0	0	NUM
fsr-3164	478	27	.3	.3	NUM
fsr-3164	478	28	2	2	NUM
fsr-3164	478	29	4	4	NUM
fsr-3164	478	30	0	0	NUM
fsr-3164	478	31	.2	.2	NUM
fsr-3164	478	32	2	2	NUM
fsr-3164	478	33	6	6	NUM
fsr-3164	478	34	0	0	NUM
fsr-3164	478	35	.2	.2	NUM
fsr-3164	478	36	2	2	NUM
fsr-3164	478	37	7	7	NUM
fsr-3164	478	38	0	0	NUM
fsr-3164	478	39	.1	.1	NUM
fsr-3164	478	40	3	3	NUM
fsr-3164	478	41	5	5	NUM
fsr-3164	478	42	0	0	NUM
fsr-3164	478	43	.1	.1	NUM
fsr-3164	478	44	4	4	NUM
fsr-3164	478	45	4	4	NUM
fsr-3164	478	46	o	o	NOUN
fsr-3164	478	47	b	b	X
fsr-3164	478	48	se	se	PROPN
fsr-3164	478	49	rv	rv	PROPN
fsr-3164	478	50	at	at	ADP
fsr-3164	478	51	io	io	PROPN
fsr-3164	478	52	n	n	PROPN
fsr-3164	478	53	s	s	PART
fsr-3164	478	54	1	1	NUM
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fsr-3164	478	62	,	,	PUNCT
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fsr-3164	478	68	,	,	PUNCT
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fsr-3164	478	74	,	,	PUNCT
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fsr-3164	478	78	1	1	NUM
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fsr-3164	478	80	,	,	PUNCT
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fsr-3164	478	84	1	1	NUM
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fsr-3164	478	86	,	,	PUNCT
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fsr-3164	478	92	,	,	PUNCT
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fsr-3164	478	98	,	,	PUNCT
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fsr-3164	478	110	,	,	PUNCT
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fsr-3164	478	115	o	o	NOUN
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fsr-3164	478	117	.	.	PUNCT
fsr-3164	479	1	t	t	PROPN
fsr-3164	479	2	h	h	NOUN
fsr-3164	480	1	e	e	PROPN
fsr-3164	480	2	m	m	PROPN
fsr-3164	480	3	ar	ar	PROPN
fsr-3164	480	4	g	g	PROPN
fsr-3164	480	5	in	in	ADP
fsr-3164	480	6	al	al	PROPN
fsr-3164	480	7	co	co	PROPN
fsr-3164	480	8	ef	ef	PROPN
fsr-3164	480	9	fi	fi	PROPN
fsr-3164	480	10	ci	ci	PROPN
fsr-3164	480	11	en	en	X
fsr-3164	480	12	ts	ts	X
fsr-3164	480	13	o	o	PROPN
fsr-3164	481	1	f	f	X
fsr-3164	481	2	o	o	X
fsr-3164	481	3	th	th	X
fsr-3164	481	4	er	er	INTJ
fsr-3164	481	5	co	co	NOUN
fsr-3164	481	6	n	n	PRON
fsr-3164	481	7	tr	tr	NOUN
fsr-3164	481	8	o	o	PROPN
fsr-3164	481	9	l	l	PROPN
fsr-3164	481	10	v	v	PROPN
fsr-3164	481	11	ar	ar	PROPN
fsr-3164	481	12	ia	ia	PROPN
fsr-3164	481	13	b	b	PROPN
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fsr-3164	481	15	s	s	X
fsr-3164	481	16	(	(	PUNCT
fsr-3164	481	17	g	g	PROPN
fsr-3164	481	18	en	en	PROPN
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fsr-3164	481	21	,	,	PUNCT
fsr-3164	481	22	ed	ed	NOUN
fsr-3164	481	23	u	u	NOUN
fsr-3164	481	24	ca	can	AUX
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fsr-3164	481	26	o	o	PROPN
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fsr-3164	482	3	em	em	PRON
fsr-3164	483	1	p	p	PROPN
fsr-3164	483	2	lo	lo	PROPN
fsr-3164	483	3	y	y	NOUN
fsr-3164	483	4	m	m	PROPN
fsr-3164	483	5	en	en	PROPN
fsr-3164	483	6	t	t	PROPN
fsr-3164	483	7	st	st	PROPN
fsr-3164	483	8	at	at	ADP
fsr-3164	483	9	u	u	PROPN
fsr-3164	483	10	s	s	PROPN
fsr-3164	483	11	,	,	PUNCT
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fsr-3164	484	1	at	at	ADP
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fsr-3164	484	3	s	s	PROPN
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fsr-3164	484	13	ri	ri	PROPN
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fsr-3164	484	23	,	,	PUNCT
fsr-3164	484	24	an	an	DET
fsr-3164	484	25	d	d	X
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fsr-3164	484	28	it	it	PRON
fsr-3164	484	29	sc	sc	INTJ
fsr-3164	484	30	o	o	X
fsr-3164	484	31	re	re	X
fsr-3164	484	32	)	)	PUNCT
fsr-3164	484	33	ar	ar	PROPN
fsr-3164	484	34	e	e	PROPN
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fsr-3164	484	42	e	e	X
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fsr-3164	484	46	ss	ss	PROPN
fsr-3164	484	47	io	io	X
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fsr-3164	484	50	n	n	CCONJ
fsr-3164	484	51	o	o	X
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fsr-3164	484	55	o	o	X
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fsr-3164	485	9	er	er	INTJ
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fsr-3164	485	13	p	p	PROPN
fsr-3164	485	14	ar	ar	PROPN
fsr-3164	485	15	en	en	X
fsr-3164	485	16	th	th	X
fsr-3164	485	17	es	es	X
fsr-3164	485	18	es	es	X
fsr-3164	485	19	:	:	PUNCT
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fsr-3164	485	21	*	*	PUNCT
fsr-3164	485	22	*	*	PUNCT
fsr-3164	486	1	p	p	X
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fsr-3164	487	1	p	p	X
fsr-3164	487	2	<	<	X
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fsr-3164	487	4	5	5	NUM
fsr-3164	487	5	,	,	PUNCT
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fsr-3164	487	7	p	p	X
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fsr-3164	487	9	.1	.1	NUM
fsr-3164	487	10	.	.	PUNCT
fsr-3164	488	1	286	286	NUM
fsr-3164	488	2	a.	a.	NOUN
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fsr-3164	488	6	.	.	PUNCT
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fsr-3164	488	8	financial	financial	ADJ
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fsr-3164	488	10	review	review	VERB
fsr-3164	488	11	30	30	NUM
fsr-3164	488	12	(	(	PUNCT
fsr-3164	488	13	2022	2022	NUM
fsr-3164	488	14	)	)	PUNCT
fsr-3164	489	1	273–296	273–296	NUM
fsr-3164	490	1	whose	whose	DET
fsr-3164	490	2	income	income	NOUN
fsr-3164	490	3	is	be	AUX
fsr-3164	490	4	greater	great	ADJ
fsr-3164	490	5	than	than	ADP
fsr-3164	490	6	100k	100k	PROPN
fsr-3164	490	7	.	.	PUNCT
fsr-3164	491	1	unemployed	unemployed	ADJ
fsr-3164	491	2	individuals	individual	NOUN
fsr-3164	491	3	are	be	AUX
fsr-3164	491	4	less	less	ADV
fsr-3164	491	5	likely	likely	ADJ
fsr-3164	491	6	to	to	PART
fsr-3164	491	7	engage	engage	VERB
fsr-3164	491	8	in	in	ADP
fsr-3164	491	9	good	good	ADJ
fsr-3164	491	10	short	short	ADJ
fsr-3164	491	11	-	-	PUNCT
fsr-3164	491	12	term	term	NOUN
fsr-3164	491	13	financial	financial	ADJ
fsr-3164	491	14	behavior	behavior	NOUN
fsr-3164	491	15	.	.	PUNCT
fsr-3164	492	1	this	this	PRON
fsr-3164	492	2	intuitively	intuitively	ADV
fsr-3164	492	3	makes	make	VERB
fsr-3164	492	4	sense	sense	NOUN
fsr-3164	492	5	as	as	SCONJ
fsr-3164	492	6	those	those	PRON
fsr-3164	492	7	who	who	PRON
fsr-3164	492	8	are	be	AUX
fsr-3164	492	9	unemployed	unemployed	ADJ
fsr-3164	492	10	are	be	AUX
fsr-3164	492	11	more	more	ADV
fsr-3164	492	12	likely	likely	ADJ
fsr-3164	492	13	overdraft	overdraft	NOUN
fsr-3164	492	14	their	their	PRON
fsr-3164	492	15	checking	checking	NOUN
fsr-3164	492	16	account	account	NOUN
fsr-3164	492	17	and	and	CCONJ
fsr-3164	492	18	more	more	ADV
fsr-3164	492	19	likely	likely	ADJ
fsr-3164	492	20	to	to	PART
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fsr-3164	492	22	.	.	PUNCT
fsr-3164	493	1	the	the	DET
fsr-3164	493	2	risk	risk	NOUN
fsr-3164	493	3	behavior	behavior	NOUN
fsr-3164	493	4	of	of	ADP
fsr-3164	493	5	an	an	DET
fsr-3164	493	6	individual	individual	NOUN
fsr-3164	493	7	can	can	AUX
fsr-3164	493	8	also	also	ADV
fsr-3164	493	9	influence	influence	VERB
fsr-3164	493	10	their	their	PRON
fsr-3164	493	11	financial	financial	ADJ
fsr-3164	493	12	behavior	behavior	NOUN
fsr-3164	493	13	.	.	PUNCT
fsr-3164	494	1	risky	risky	ADJ
fsr-3164	494	2	individuals	individual	NOUN
fsr-3164	494	3	are	be	AUX
fsr-3164	494	4	also	also	ADV
fsr-3164	494	5	less	less	ADV
fsr-3164	494	6	likely	likely	ADJ
fsr-3164	494	7	to	to	PART
fsr-3164	494	8	engage	engage	VERB
fsr-3164	494	9	in	in	ADP
fsr-3164	494	10	good	good	ADJ
fsr-3164	494	11	short	short	ADJ
fsr-3164	494	12	-	-	PUNCT
fsr-3164	494	13	term	term	NOUN
fsr-3164	494	14	behavior	behavior	NOUN
fsr-3164	494	15	.	.	PUNCT
fsr-3164	495	1	this	this	PRON
fsr-3164	495	2	is	be	AUX
fsr-3164	495	3	consistent	consistent	ADJ
fsr-3164	495	4	with	with	ADP
fsr-3164	495	5	previous	previous	ADJ
fsr-3164	495	6	research	research	NOUN
fsr-3164	495	7	by	by	ADP
fsr-3164	495	8	lyons	lyon	NOUN
fsr-3164	495	9	(	(	PUNCT
fsr-3164	495	10	2007	2007	NUM
fsr-3164	495	11	,	,	PUNCT
fsr-3164	495	12	2008	2008	NUM
fsr-3164	495	13	)	)	PUNCT
fsr-3164	495	14	and	and	CCONJ
fsr-3164	495	15	robb	robb	NOUN
fsr-3164	495	16	(	(	PUNCT
fsr-3164	495	17	2011	2011	NUM
fsr-3164	495	18	)	)	PUNCT
fsr-3164	495	19	,	,	PUNCT
fsr-3164	495	20	which	which	PRON
fsr-3164	495	21	found	find	VERB
fsr-3164	495	22	that	that	SCONJ
fsr-3164	495	23	risky	risky	ADJ
fsr-3164	495	24	behavior	behavior	NOUN
fsr-3164	495	25	is	be	AUX
fsr-3164	495	26	associated	associate	VERB
fsr-3164	495	27	with	with	ADP
fsr-3164	495	28	poor	poor	ADJ
fsr-3164	495	29	financial	financial	ADJ
fsr-3164	495	30	behaviors	behavior	NOUN
fsr-3164	495	31	such	such	ADJ
fsr-3164	495	32	as	as	ADP
fsr-3164	495	33	incurring	incur	VERB
fsr-3164	495	34	late	late	ADJ
fsr-3164	495	35	fees	fee	NOUN
fsr-3164	495	36	,	,	PUNCT
fsr-3164	495	37	increases	increase	NOUN
fsr-3164	495	38	in	in	ADP
fsr-3164	495	39	interest	interest	NOUN
fsr-3164	495	40	rates	rate	NOUN
fsr-3164	495	41	,	,	PUNCT
fsr-3164	495	42	and	and	CCONJ
fsr-3164	495	43	greater	great	ADJ
fsr-3164	495	44	borrowing	borrowing	NOUN
fsr-3164	495	45	costs	cost	NOUN
fsr-3164	495	46	.	.	PUNCT
fsr-3164	496	1	both	both	DET
fsr-3164	496	2	an	an	DET
fsr-3164	496	3	average	average	ADJ
fsr-3164	496	4	and	and	CCONJ
fsr-3164	496	5	good	good	ADJ
fsr-3164	496	6	credit	credit	NOUN
fsr-3164	496	7	report	report	NOUN
fsr-3164	496	8	is	be	AUX
fsr-3164	496	9	positively	positively	ADV
fsr-3164	496	10	associated	associate	VERB
fsr-3164	496	11	with	with	ADP
fsr-3164	496	12	good	good	ADJ
fsr-3164	496	13	short	short	ADJ
fsr-3164	496	14	-	-	PUNCT
fsr-3164	496	15	term	term	NOUN
fsr-3164	496	16	behavior	behavior	NOUN
fsr-3164	496	17	.	.	PUNCT
fsr-3164	497	1	results	result	NOUN
fsr-3164	497	2	are	be	AUX
fsr-3164	497	3	similar	similar	ADJ
fsr-3164	497	4	when	when	SCONJ
fsr-3164	497	5	the	the	DET
fsr-3164	497	6	three	three	NUM
fsr-3164	497	7	individual	individual	ADJ
fsr-3164	497	8	tech	tech	NOUN
fsr-3164	497	9	-	-	PUNCT
fsr-3164	497	10	savvy	savvy	ADJ
fsr-3164	497	11	measures	measure	NOUN
fsr-3164	497	12	are	be	AUX
fsr-3164	497	13	used	use	VERB
fsr-3164	497	14	as	as	ADP
fsr-3164	497	15	a	a	DET
fsr-3164	497	16	dependent	dependent	ADJ
fsr-3164	497	17	variable	variable	NOUN
fsr-3164	497	18	.	.	PUNCT
fsr-3164	498	1	for	for	ADP
fsr-3164	498	2	long	long	ADJ
fsr-3164	498	3	-	-	PUNCT
fsr-3164	498	4	term	term	NOUN
fsr-3164	498	5	financial	financial	ADJ
fsr-3164	498	6	behavior	behavior	NOUN
fsr-3164	498	7	,	,	PUNCT
fsr-3164	498	8	individuals	individual	NOUN
fsr-3164	498	9	who	who	PRON
fsr-3164	498	10	have	have	VERB
fsr-3164	498	11	a	a	DET
fsr-3164	498	12	bachelor	bachelor	NOUN
fsr-3164	498	13	’s	’s	PART
fsr-3164	498	14	degree	degree	NOUN
fsr-3164	498	15	or	or	CCONJ
fsr-3164	498	16	a	a	DET
fsr-3164	498	17	postgraduate	postgraduate	NOUN
fsr-3164	498	18	degree	degree	NOUN
fsr-3164	498	19	have	have	VERB
fsr-3164	498	20	better	well	ADJ
fsr-3164	498	21	behavior	behavior	NOUN
fsr-3164	498	22	as	as	ADP
fsr-3164	498	23	compared	compare	VERB
fsr-3164	498	24	with	with	ADP
fsr-3164	498	25	high	high	ADJ
fsr-3164	498	26	school	school	NOUN
fsr-3164	498	27	graduates	graduate	NOUN
fsr-3164	498	28	.	.	PUNCT
fsr-3164	499	1	all	all	DET
fsr-3164	499	2	income	income	NOUN
fsr-3164	499	3	levels	level	NOUN
fsr-3164	499	4	are	be	AUX
fsr-3164	499	5	positive	positive	ADJ
fsr-3164	499	6	and	and	CCONJ
fsr-3164	499	7	significant	significant	ADJ
fsr-3164	499	8	with	with	ADP
fsr-3164	499	9	long	long	ADJ
fsr-3164	499	10	-	-	PUNCT
fsr-3164	499	11	term	term	NOUN
fsr-3164	499	12	financial	financial	ADJ
fsr-3164	499	13	behavior	behavior	NOUN
fsr-3164	499	14	against	against	ADP
fsr-3164	499	15	the	the	DET
fsr-3164	499	16	reference	reference	NOUN
fsr-3164	499	17	category	category	NOUN
fsr-3164	499	18	—	—	PUNCT
fsr-3164	499	19	earning	earn	VERB
fsr-3164	499	20	less	less	ADJ
fsr-3164	499	21	than	than	ADP
fsr-3164	499	22	25k	25k	NUM
fsr-3164	499	23	.	.	PUNCT
fsr-3164	500	1	the	the	DET
fsr-3164	500	2	coefficients	coefficient	NOUN
fsr-3164	500	3	are	be	AUX
fsr-3164	500	4	also	also	ADV
fsr-3164	500	5	highest	high	ADJ
fsr-3164	500	6	for	for	ADP
fsr-3164	500	7	those	those	PRON
fsr-3164	500	8	whose	whose	DET
fsr-3164	500	9	income	income	NOUN
fsr-3164	500	10	is	be	AUX
fsr-3164	500	11	greater	great	ADJ
fsr-3164	500	12	than	than	ADP
fsr-3164	500	13	100k	100k	NUM
fsr-3164	500	14	.	.	PUNCT
fsr-3164	500	15	indicating	indicate	VERB
fsr-3164	500	16	that	that	SCONJ
fsr-3164	500	17	those	those	DET
fsr-3164	500	18	individuals	individual	NOUN
fsr-3164	500	19	who	who	PRON
fsr-3164	500	20	earn	earn	VERB
fsr-3164	500	21	more	more	ADJ
fsr-3164	500	22	can	can	AUX
fsr-3164	500	23	save	save	VERB
fsr-3164	500	24	better	well	ADV
fsr-3164	500	25	for	for	ADP
fsr-3164	500	26	retirement	retirement	NOUN
fsr-3164	500	27	and	and	CCONJ
fsr-3164	500	28	long	long	ADJ
fsr-3164	500	29	-	-	PUNCT
fsr-3164	500	30	term	term	NOUN
fsr-3164	500	31	financial	financial	ADJ
fsr-3164	500	32	needs	need	NOUN
fsr-3164	500	33	.	.	PUNCT
fsr-3164	501	1	unemployed	unemployed	ADJ
fsr-3164	501	2	individuals	individual	NOUN
fsr-3164	501	3	are	be	AUX
fsr-3164	501	4	less	less	ADV
fsr-3164	501	5	likely	likely	ADJ
fsr-3164	501	6	to	to	PART
fsr-3164	501	7	have	have	VERB
fsr-3164	501	8	good	good	ADJ
fsr-3164	501	9	long	long	ADJ
fsr-3164	501	10	-	-	PUNCT
fsr-3164	501	11	term	term	NOUN
fsr-3164	501	12	financial	financial	ADJ
fsr-3164	501	13	behavior	behavior	NOUN
fsr-3164	501	14	.	.	PUNCT
fsr-3164	502	1	risk	risk	NOUN
fsr-3164	502	2	-	-	PUNCT
fsr-3164	502	3	taking	take	VERB
fsr-3164	502	4	individuals	individual	NOUN
fsr-3164	502	5	are	be	AUX
fsr-3164	502	6	more	more	ADV
fsr-3164	502	7	likely	likely	ADJ
fsr-3164	502	8	to	to	PART
fsr-3164	502	9	have	have	VERB
fsr-3164	502	10	better	well	ADJ
fsr-3164	502	11	long	long	ADJ
fsr-3164	502	12	-	-	PUNCT
fsr-3164	502	13	term	term	NOUN
fsr-3164	502	14	financial	financial	ADJ
fsr-3164	502	15	behavior	behavior	NOUN
fsr-3164	502	16	.	.	PUNCT
fsr-3164	503	1	this	this	PRON
fsr-3164	503	2	could	could	AUX
fsr-3164	503	3	be	be	AUX
fsr-3164	503	4	due	due	ADJ
fsr-3164	503	5	to	to	ADP
fsr-3164	503	6	their	their	PRON
fsr-3164	503	7	risky	risky	ADJ
fsr-3164	503	8	behavior	behavior	NOUN
fsr-3164	503	9	in	in	ADP
fsr-3164	503	10	earning	earn	VERB
fsr-3164	503	11	high	high	ADJ
fsr-3164	503	12	returns	return	NOUN
fsr-3164	503	13	on	on	ADP
fsr-3164	503	14	long	long	ADJ
fsr-3164	503	15	-	-	PUNCT
fsr-3164	503	16	term	term	NOUN
fsr-3164	503	17	investments.7	investments.7	NOUN
fsr-3164	503	18	there	there	PRON
fsr-3164	503	19	is	be	VERB
fsr-3164	503	20	extensive	extensive	ADJ
fsr-3164	503	21	literature	literature	NOUN
fsr-3164	503	22	on	on	ADP
fsr-3164	503	23	the	the	DET
fsr-3164	503	24	effect	effect	NOUN
fsr-3164	503	25	of	of	ADP
fsr-3164	503	26	technology	technology	NOUN
fsr-3164	503	27	across	across	ADP
fsr-3164	503	28	generations	generation	NOUN
fsr-3164	503	29	.	.	PUNCT
fsr-3164	504	1	shobha	shobha	NOUN
fsr-3164	504	2	and	and	CCONJ
fsr-3164	504	3	kumar	kumar	PROPN
fsr-3164	504	4	(	(	PUNCT
fsr-3164	504	5	2020	2020	NUM
fsr-3164	504	6	)	)	PUNCT
fsr-3164	504	7	find	find	VERB
fsr-3164	504	8	,	,	PUNCT
fsr-3164	504	9	from	from	ADP
fsr-3164	504	10	a	a	DET
fsr-3164	504	11	sample	sample	NOUN
fsr-3164	504	12	of	of	ADP
fsr-3164	504	13	india	india	PROPN
fsr-3164	504	14	,	,	PUNCT
fsr-3164	504	15	gen	gen	PROPN
fsr-3164	504	16	x	x	X
fsr-3164	504	17	is	be	AUX
fsr-3164	504	18	more	more	ADV
fsr-3164	504	19	financially	financially	ADV
fsr-3164	504	20	literate	literate	ADJ
fsr-3164	504	21	,	,	PUNCT
fsr-3164	504	22	and	and	CCONJ
fsr-3164	504	23	more	more	ADV
fsr-3164	504	24	likely	likely	ADJ
fsr-3164	504	25	to	to	PART
fsr-3164	504	26	engage	engage	VERB
fsr-3164	504	27	in	in	ADP
fsr-3164	504	28	long	long	ADJ
fsr-3164	504	29	-	-	PUNCT
fsr-3164	504	30	term	term	NOUN
fsr-3164	504	31	financial	financial	ADJ
fsr-3164	504	32	planning	planning	NOUN
fsr-3164	504	33	compared	compare	VERB
fsr-3164	504	34	with	with	ADP
fsr-3164	504	35	gen	gen	PROPN
fsr-3164	504	36	y.	y.	PROPN
fsr-3164	504	37	kumar	kumar	PROPN
fsr-3164	504	38	and	and	CCONJ
fsr-3164	504	39	lim	lim	PROPN
fsr-3164	504	40	(	(	PUNCT
fsr-3164	504	41	2008	2008	NUM
fsr-3164	504	42	)	)	PUNCT
fsr-3164	504	43	indicate	indicate	VERB
fsr-3164	504	44	generation	generation	NOUN
fsr-3164	504	45	y	y	PROPN
fsr-3164	504	46	and	and	CCONJ
fsr-3164	504	47	baby	baby	NOUN
fsr-3164	504	48	boomers	boomer	NOUN
fsr-3164	504	49	substantially	substantially	ADV
fsr-3164	504	50	vary	vary	VERB
fsr-3164	504	51	in	in	ADP
fsr-3164	504	52	the	the	DET
fsr-3164	504	53	perceived	perceive	VERB
fsr-3164	504	54	value	value	NOUN
fsr-3164	504	55	and	and	CCONJ
fsr-3164	504	56	loyalty	loyalty	NOUN
fsr-3164	504	57	decision	decision	NOUN
fsr-3164	504	58	on	on	ADP
fsr-3164	504	59	mobile	mobile	ADJ
fsr-3164	504	60	service	service	NOUN
fsr-3164	504	61	.	.	PUNCT
fsr-3164	505	1	additionally	additionally	ADV
fsr-3164	505	2	,	,	PUNCT
fsr-3164	505	3	“	"	PUNCT
fsr-3164	505	4	billing	billing	NOUN
fsr-3164	505	5	services	service	NOUN
fsr-3164	505	6	were	be	AUX
fsr-3164	505	7	significantly	significantly	ADV
fsr-3164	505	8	related	relate	VERB
fsr-3164	505	9	to	to	ADP
fsr-3164	505	10	perceived	perceive	VERB
fsr-3164	505	11	economic	economic	ADJ
fsr-3164	505	12	and	and	CCONJ
fsr-3164	505	13	emotional	emotional	ADJ
fsr-3164	505	14	value	value	NOUN
fsr-3164	505	15	for	for	ADP
fsr-3164	505	16	both	both	DET
fsr-3164	505	17	groups	group	NOUN
fsr-3164	505	18	”	"	PUNCT
fsr-3164	505	19	(	(	PUNCT
fsr-3164	505	20	kumar	kumar	PROPN
fsr-3164	505	21	&	&	CCONJ
fsr-3164	505	22	lim	lim	PROPN
fsr-3164	505	23	,	,	PUNCT
fsr-3164	505	24	2008	2008	NUM
fsr-3164	505	25	,	,	PUNCT
fsr-3164	505	26	p.	p.	NOUN
fsr-3164	505	27	577	577	NUM
fsr-3164	505	28	)	)	PUNCT
fsr-3164	505	29	.	.	PUNCT
fsr-3164	506	1	we	we	PRON
fsr-3164	506	2	examine	examine	VERB
fsr-3164	506	3	this	this	DET
fsr-3164	506	4	relationship	relationship	NOUN
fsr-3164	506	5	in	in	ADP
fsr-3164	506	6	terms	term	NOUN
fsr-3164	506	7	of	of	ADP
fsr-3164	506	8	the	the	DET
fsr-3164	506	9	relevance	relevance	NOUN
fsr-3164	506	10	of	of	ADP
fsr-3164	506	11	technology	technology	NOUN
fsr-3164	506	12	on	on	ADP
fsr-3164	506	13	different	different	ADJ
fsr-3164	506	14	generations	generation	NOUN
fsr-3164	506	15	’	'	PUNCT
fsr-3164	506	16	financial	financial	ADJ
fsr-3164	506	17	behavior	behavior	NOUN
fsr-3164	506	18	.	.	PUNCT
fsr-3164	507	1	table	table	NOUN
fsr-3164	507	2	7	7	NUM
fsr-3164	507	3	reports	report	VERB
fsr-3164	507	4	the	the	DET
fsr-3164	507	5	marginal	marginal	ADJ
fsr-3164	507	6	effects	effect	NOUN
fsr-3164	507	7	by	by	ADP
fsr-3164	507	8	age	age	NOUN
fsr-3164	507	9	table	table	NOUN
fsr-3164	507	10	7	7	NUM
fsr-3164	507	11	logistic	logistic	ADJ
fsr-3164	507	12	regression	regression	NOUN
fsr-3164	507	13	predicting	predict	VERB
fsr-3164	507	14	a	a	DET
fsr-3164	507	15	measure	measure	NOUN
fsr-3164	507	16	of	of	ADP
fsr-3164	507	17	overall	overall	ADJ
fsr-3164	507	18	short	short	ADJ
fsr-3164	507	19	-	-	PUNCT
fsr-3164	507	20	term	term	NOUN
fsr-3164	507	21	financial	financial	ADJ
fsr-3164	507	22	behavior	behavior	NOUN
fsr-3164	507	23	by	by	ADP
fsr-3164	507	24	age	age	NOUN
fsr-3164	507	25	group	group	NOUN
fsr-3164	507	26	variables	variable	VERB
fsr-3164	507	27	age	age	NOUN
fsr-3164	507	28	group	group	PROPN
fsr-3164	507	29	igen	igen	PROPN
fsr-3164	507	30	/	/	SYM
fsr-3164	507	31	genz	genz	NOUN
fsr-3164	507	32	millennials	millennial	NOUN
fsr-3164	507	33	/	/	SYM
fsr-3164	507	34	geny	geny	PROPN
fsr-3164	507	35	genx	genx	PROPN
fsr-3164	507	36	baby	baby	PROPN
fsr-3164	507	37	boomers	boomer	NOUN
fsr-3164	507	38	financial	financial	ADJ
fsr-3164	507	39	knowledge	knowledge	NOUN
fsr-3164	507	40	0.0449	0.0449	PROPN
fsr-3164	507	41	*	*	SYM
fsr-3164	507	42	�	�	PROPN
fsr-3164	507	43	0.00711	0.00711	NUM
fsr-3164	507	44	0.0106	0.0106	NUM
fsr-3164	507	45	0.0395	0.0395	NUM
fsr-3164	507	46	*	*	PUNCT
fsr-3164	507	47	*	*	PUNCT
fsr-3164	507	48	*	*	PUNCT
fsr-3164	507	49	(	(	PUNCT
fsr-3164	507	50	0.0264	0.0264	NUM
fsr-3164	507	51	)	)	PUNCT
fsr-3164	507	52	(	(	PUNCT
fsr-3164	507	53	0.0196	0.0196	NUM
fsr-3164	507	54	)	)	PUNCT
fsr-3164	507	55	(	(	PUNCT
fsr-3164	507	56	0.0122	0.0122	NUM
fsr-3164	507	57	)	)	PUNCT
fsr-3164	507	58	(	(	PUNCT
fsr-3164	507	59	0.0151	0.0151	NUM
fsr-3164	507	60	)	)	PUNCT
fsr-3164	507	61	financial	financial	ADJ
fsr-3164	507	62	confidence	confidence	NOUN
fsr-3164	507	63	0.180	0.180	NUM
fsr-3164	507	64	*	*	PUNCT
fsr-3164	507	65	*	*	PUNCT
fsr-3164	507	66	*	*	PUNCT
fsr-3164	508	1	0.227	0.227	NUM
fsr-3164	508	2	*	*	PUNCT
fsr-3164	508	3	*	*	PUNCT
fsr-3164	508	4	*	*	PUNCT
fsr-3164	508	5	0.180	0.180	NUM
fsr-3164	508	6	*	*	PUNCT
fsr-3164	508	7	*	*	PUNCT
fsr-3164	508	8	*	*	PUNCT
fsr-3164	508	9	0.199	0.199	NUM
fsr-3164	508	10	*	*	PUNCT
fsr-3164	508	11	*	*	PUNCT
fsr-3164	508	12	*	*	PUNCT
fsr-3164	508	13	(	(	PUNCT
fsr-3164	508	14	0.0409	0.0409	NUM
fsr-3164	508	15	)	)	PUNCT
fsr-3164	508	16	(	(	PUNCT
fsr-3164	508	17	0.0284	0.0284	NUM
fsr-3164	508	18	)	)	PUNCT
fsr-3164	508	19	(	(	PUNCT
fsr-3164	508	20	0.0151	0.0151	NUM
fsr-3164	508	21	)	)	PUNCT
fsr-3164	508	22	(	(	PUNCT
fsr-3164	508	23	0.0148	0.0148	NUM
fsr-3164	508	24	)	)	PUNCT
fsr-3164	508	25	financial	financial	ADJ
fsr-3164	508	26	knowledge*confidence	knowledge*confidence	NOUN
fsr-3164	508	27	0.0179	0.0179	NUM
fsr-3164	508	28	�	�	NOUN
fsr-3164	508	29	0.0230	0.0230	NUM
fsr-3164	508	30	0.0334	0.0334	NUM
fsr-3164	508	31	0.00349	0.00349	NUM
fsr-3164	508	32	(	(	PUNCT
fsr-3164	508	33	0.0555	0.0555	NUM
fsr-3164	508	34	)	)	PUNCT
fsr-3164	508	35	(	(	PUNCT
fsr-3164	508	36	0.0335	0.0335	NUM
fsr-3164	508	37	)	)	PUNCT
fsr-3164	508	38	(	(	PUNCT
fsr-3164	508	39	0.0229	0.0229	NUM
fsr-3164	508	40	)	)	PUNCT
fsr-3164	508	41	(	(	PUNCT
fsr-3164	508	42	0.0193	0.0193	NUM
fsr-3164	508	43	)	)	PUNCT
fsr-3164	508	44	tech	tech	NOUN
fsr-3164	508	45	-	-	PUNCT
fsr-3164	508	46	savvy	savvy	VERB
fsr-3164	508	47	�	�	NOUN
fsr-3164	508	48	0.0594	0.0594	NUM
fsr-3164	508	49	*	*	PUNCT
fsr-3164	508	50	*	*	PUNCT
fsr-3164	508	51	�	�	PROPN
fsr-3164	508	52	0.0345	0.0345	NUM
fsr-3164	508	53	*	*	SYM
fsr-3164	508	54	*	*	PROPN
fsr-3164	508	55	�	�	PROPN
fsr-3164	508	56	0.0483	0.0483	NUM
fsr-3164	508	57	*	*	SYM
fsr-3164	508	58	*	*	PUNCT
fsr-3164	508	59	*	*	PUNCT
fsr-3164	508	60	�	�	X
fsr-3164	508	61	0.0887	0.0887	NUM
fsr-3164	508	62	*	*	PUNCT
fsr-3164	508	63	*	*	PUNCT
fsr-3164	508	64	*	*	PUNCT
fsr-3164	508	65	(	(	PUNCT
fsr-3164	508	66	0.0251	0.0251	NUM
fsr-3164	508	67	)	)	PUNCT
fsr-3164	508	68	(	(	PUNCT
fsr-3164	508	69	0.0174	0.0174	NUM
fsr-3164	508	70	)	)	PUNCT
fsr-3164	508	71	(	(	PUNCT
fsr-3164	508	72	0.0104	0.0104	NUM
fsr-3164	508	73	)	)	PUNCT
fsr-3164	508	74	(	(	PUNCT
fsr-3164	508	75	0.0130	0.0130	NUM
fsr-3164	508	76	)	)	PUNCT
fsr-3164	508	77	pseudo	pseudo	NOUN
fsr-3164	508	78	r2	r2	NOUN
fsr-3164	508	79	0.176	0.176	NUM
fsr-3164	508	80	0.173	0.173	NUM
fsr-3164	508	81	0.204	0.204	NUM
fsr-3164	508	82	0.257	0.257	NUM
fsr-3164	508	83	observations	observation	NOUN
fsr-3164	508	84	1,326	1,326	NUM
fsr-3164	508	85	3,112	3,112	NUM
fsr-3164	508	86	6,849	6,849	NUM
fsr-3164	508	87	8,438	8,438	NUM
fsr-3164	508	88	note	note	NOUN
fsr-3164	508	89	.	.	PUNCT
fsr-3164	509	1	the	the	DET
fsr-3164	509	2	marginal	marginal	ADJ
fsr-3164	509	3	coefficients	coefficient	NOUN
fsr-3164	509	4	of	of	ADP
fsr-3164	509	5	other	other	ADJ
fsr-3164	509	6	control	control	NOUN
fsr-3164	509	7	variables	variable	NOUN
fsr-3164	509	8	(	(	PUNCT
fsr-3164	509	9	gender	gender	NOUN
fsr-3164	509	10	,	,	PUNCT
fsr-3164	509	11	education	education	NOUN
fsr-3164	509	12	level	level	NOUN
fsr-3164	509	13	,	,	PUNCT
fsr-3164	509	14	employment	employment	NOUN
fsr-3164	509	15	status	status	NOUN
fsr-3164	509	16	,	,	PUNCT
fsr-3164	509	17	marital	marital	ADJ
fsr-3164	509	18	status	status	NOUN
fsr-3164	509	19	,	,	PUNCT
fsr-3164	509	20	income	income	NOUN
fsr-3164	509	21	,	,	PUNCT
fsr-3164	509	22	race	race	NOUN
fsr-3164	509	23	,	,	PUNCT
fsr-3164	509	24	risk	risk	NOUN
fsr-3164	509	25	level	level	NOUN
fsr-3164	509	26	measures	measure	NOUN
fsr-3164	509	27	,	,	PUNCT
fsr-3164	509	28	and	and	CCONJ
fsr-3164	509	29	credit	credit	NOUN
fsr-3164	509	30	score	score	NOUN
fsr-3164	509	31	)	)	PUNCT
fsr-3164	509	32	are	be	AUX
fsr-3164	509	33	included	include	VERB
fsr-3164	509	34	in	in	ADP
fsr-3164	509	35	the	the	DET
fsr-3164	509	36	regression	regression	NOUN
fsr-3164	509	37	,	,	PUNCT
fsr-3164	509	38	not	not	PART
fsr-3164	509	39	reported	report	VERB
fsr-3164	509	40	here	here	ADV
fsr-3164	509	41	.	.	PUNCT
fsr-3164	510	1	standard	standard	ADJ
fsr-3164	510	2	errors	error	NOUN
fsr-3164	510	3	in	in	ADP
fsr-3164	510	4	parentheses	parenthesis	NOUN
fsr-3164	510	5	:	:	PUNCT
fsr-3164	510	6	*	*	PUNCT
fsr-3164	510	7	*	*	PUNCT
fsr-3164	510	8	*	*	PUNCT
fsr-3164	510	9	p	p	X
fsr-3164	510	10	<	<	X
fsr-3164	510	11	.01	.01	NUM
fsr-3164	510	12	,	,	PUNCT
fsr-3164	510	13	*	*	PUNCT
fsr-3164	510	14	*	*	PUNCT
fsr-3164	510	15	p	p	X
fsr-3164	510	16	<	<	X
fsr-3164	510	17	.05	.05	NUM
fsr-3164	510	18	,	,	PUNCT
fsr-3164	510	19	*	*	PUNCT
fsr-3164	510	20	p	p	X
fsr-3164	510	21	<	<	X
fsr-3164	510	22	.1	.1	PROPN
fsr-3164	510	23	.	.	PUNCT
fsr-3164	511	1	a.	a.	PROPN
fsr-3164	511	2	mussa	mussa	PROPN
fsr-3164	511	3	et	et	PROPN
fsr-3164	511	4	al	al	PROPN
fsr-3164	511	5	.	.	PUNCT
fsr-3164	511	6	/	/	SYM
fsr-3164	511	7	financial	financial	ADJ
fsr-3164	511	8	services	service	NOUN
fsr-3164	511	9	review	review	VERB
fsr-3164	511	10	30	30	NUM
fsr-3164	511	11	(	(	PUNCT
fsr-3164	511	12	2022	2022	NUM
fsr-3164	511	13	)	)	PUNCT
fsr-3164	511	14	273–296	273–296	NUM
fsr-3164	511	15	287	287	NUM
fsr-3164	511	16	group	group	NOUN
fsr-3164	511	17	,	,	PUNCT
fsr-3164	511	18	with	with	ADP
fsr-3164	511	19	overall	overall	ADJ
fsr-3164	511	20	short	short	ADJ
fsr-3164	511	21	-	-	PUNCT
fsr-3164	511	22	term	term	NOUN
fsr-3164	511	23	behavior	behavior	NOUN
fsr-3164	511	24	measure	measure	NOUN
fsr-3164	511	25	as	as	ADP
fsr-3164	511	26	the	the	DET
fsr-3164	511	27	dependent	dependent	ADJ
fsr-3164	511	28	variable	variable	NOUN
fsr-3164	511	29	.	.	PUNCT
fsr-3164	512	1	the	the	DET
fsr-3164	512	2	age	age	NOUN
fsr-3164	512	3	groups	group	NOUN
fsr-3164	512	4	included	include	VERB
fsr-3164	512	5	are	be	AUX
fsr-3164	512	6	igen	igen	NUM
fsr-3164	512	7	/	/	SYM
fsr-3164	512	8	genz	genz	NOUN
fsr-3164	512	9	(	(	PUNCT
fsr-3164	512	10	18	18	NUM
fsr-3164	512	11	to	to	PART
fsr-3164	512	12	24	24	NUM
fsr-3164	512	13	)	)	PUNCT
fsr-3164	512	14	,	,	PUNCT
fsr-3164	512	15	millennials	millennial	NOUN
fsr-3164	512	16	/	/	SYM
fsr-3164	512	17	geny	geny	NOUN
fsr-3164	512	18	(	(	PUNCT
fsr-3164	512	19	25	25	NUM
fsr-3164	512	20	to	to	PART
fsr-3164	512	21	34	34	NUM
fsr-3164	512	22	)	)	PUNCT
fsr-3164	512	23	,	,	PUNCT
fsr-3164	512	24	genx	genx	PROPN
fsr-3164	512	25	(	(	PUNCT
fsr-3164	512	26	35	35	NUM
fsr-3164	512	27	to	to	ADP
fsr-3164	512	28	54	54	NUM
fsr-3164	512	29	)	)	PUNCT
fsr-3164	512	30	,	,	PUNCT
fsr-3164	512	31	and	and	CCONJ
fsr-3164	512	32	baby	baby	NOUN
fsr-3164	512	33	boomers	boomer	NOUN
fsr-3164	512	34	(	(	PUNCT
fsr-3164	512	35	55	55	NUM
fsr-3164	512	36	+	+	NOUN
fsr-3164	512	37	)	)	PUNCT
fsr-3164	512	38	.	.	PUNCT
fsr-3164	513	1	overall	overall	ADJ
fsr-3164	513	2	financial	financial	ADJ
fsr-3164	513	3	confidence	confidence	NOUN
fsr-3164	513	4	is	be	AUX
fsr-3164	513	5	positive	positive	ADJ
fsr-3164	513	6	and	and	CCONJ
fsr-3164	513	7	significant	significant	ADJ
fsr-3164	513	8	for	for	ADP
fsr-3164	513	9	all	all	DET
fsr-3164	513	10	age	age	NOUN
fsr-3164	513	11	groups	group	NOUN
fsr-3164	513	12	.	.	PUNCT
fsr-3164	514	1	financial	financial	ADJ
fsr-3164	514	2	knowledge	knowledge	NOUN
fsr-3164	514	3	is	be	AUX
fsr-3164	514	4	significantly	significantly	ADV
fsr-3164	514	5	and	and	CCONJ
fsr-3164	514	6	positively	positively	ADV
fsr-3164	514	7	related	relate	VERB
fsr-3164	514	8	to	to	ADP
fsr-3164	514	9	the	the	DET
fsr-3164	514	10	short	short	ADJ
fsr-3164	514	11	-	-	PUNCT
fsr-3164	514	12	term	term	NOUN
fsr-3164	514	13	financial	financial	ADJ
fsr-3164	514	14	behavior	behavior	NOUN
fsr-3164	514	15	of	of	ADP
fsr-3164	514	16	gen	gen	PROPN
fsr-3164	514	17	z	z	PROPN
fsr-3164	514	18	and	and	CCONJ
fsr-3164	514	19	baby	baby	NOUN
fsr-3164	514	20	boomers	boomer	NOUN
fsr-3164	514	21	.	.	PUNCT
fsr-3164	515	1	regardless	regardless	ADV
fsr-3164	515	2	of	of	ADP
fsr-3164	515	3	the	the	DET
fsr-3164	515	4	age	age	NOUN
fsr-3164	515	5	group	group	NOUN
fsr-3164	515	6	,	,	PUNCT
fsr-3164	515	7	overall	overall	ADJ
fsr-3164	515	8	confidence	confidence	NOUN
fsr-3164	515	9	toward	toward	ADP
fsr-3164	515	10	one	one	NUM
fsr-3164	515	11	’s	’s	PART
fsr-3164	515	12	finances	finance	NOUN
fsr-3164	515	13	is	be	AUX
fsr-3164	515	14	more	more	ADV
fsr-3164	515	15	relevant	relevant	ADJ
fsr-3164	515	16	in	in	ADP
fsr-3164	515	17	explaining	explain	VERB
fsr-3164	515	18	one	one	NUM
fsr-3164	515	19	’s	’s	PART
fsr-3164	515	20	good	good	ADJ
fsr-3164	515	21	short	short	ADJ
fsr-3164	515	22	-	-	PUNCT
fsr-3164	515	23	term	term	NOUN
fsr-3164	515	24	financial	financial	ADJ
fsr-3164	515	25	behavior	behavior	NOUN
fsr-3164	515	26	.	.	PUNCT
fsr-3164	516	1	the	the	DET
fsr-3164	516	2	tech	tech	NOUN
fsr-3164	516	3	-	-	PUNCT
fsr-3164	516	4	savvy	savvy	ADJ
fsr-3164	516	5	variable	variable	NOUN
fsr-3164	516	6	is	be	AUX
fsr-3164	516	7	still	still	ADV
fsr-3164	516	8	negative	negative	ADJ
fsr-3164	516	9	and	and	CCONJ
fsr-3164	516	10	significant	significant	ADJ
fsr-3164	516	11	irrespective	irrespective	ADV
fsr-3164	516	12	of	of	ADP
fsr-3164	516	13	the	the	DET
fsr-3164	516	14	age	age	NOUN
fsr-3164	516	15	group	group	NOUN
fsr-3164	516	16	or	or	CCONJ
fsr-3164	516	17	generation	generation	NOUN
fsr-3164	516	18	.	.	PUNCT
fsr-3164	517	1	that	that	PRON
fsr-3164	517	2	means	mean	VERB
fsr-3164	517	3	being	be	AUX
fsr-3164	517	4	tech	tech	NOUN
fsr-3164	517	5	-	-	PUNCT
fsr-3164	517	6	savvy	savvy	NOUN
fsr-3164	517	7	has	have	VERB
fsr-3164	517	8	an	an	DET
fsr-3164	517	9	adverse	adverse	ADJ
fsr-3164	517	10	effect	effect	NOUN
fsr-3164	517	11	on	on	ADP
fsr-3164	517	12	short	short	ADJ
fsr-3164	517	13	-	-	PUNCT
fsr-3164	517	14	term	term	NOUN
fsr-3164	517	15	financial	financial	ADJ
fsr-3164	517	16	behavior	behavior	NOUN
fsr-3164	517	17	.	.	PUNCT
fsr-3164	518	1	we	we	PRON
fsr-3164	518	2	notice	notice	VERB
fsr-3164	518	3	that	that	SCONJ
fsr-3164	518	4	the	the	DET
fsr-3164	518	5	marginal	marginal	ADJ
fsr-3164	518	6	coefficients	coefficient	NOUN
fsr-3164	518	7	for	for	ADP
fsr-3164	518	8	the	the	DET
fsr-3164	518	9	tech	tech	NOUN
fsr-3164	518	10	-	-	PUNCT
fsr-3164	518	11	savvy	savvy	ADJ
fsr-3164	518	12	variable	variable	NOUN
fsr-3164	518	13	for	for	ADP
fsr-3164	518	14	the	the	DET
fsr-3164	518	15	younger	young	ADJ
fsr-3164	518	16	generation	generation	NOUN
fsr-3164	518	17	or	or	CCONJ
fsr-3164	518	18	gen	gen	PROPN
fsr-3164	518	19	z	z	NOUN
fsr-3164	518	20	and	and	CCONJ
fsr-3164	518	21	the	the	DET
fsr-3164	518	22	oldest	old	ADJ
fsr-3164	518	23	generation	generation	NOUN
fsr-3164	518	24	or	or	CCONJ
fsr-3164	518	25	baby	baby	NOUN
fsr-3164	518	26	boomers	boomer	NOUN
fsr-3164	518	27	are	be	AUX
fsr-3164	518	28	slightly	slightly	ADV
fsr-3164	518	29	higher	high	ADJ
fsr-3164	518	30	than	than	ADP
fsr-3164	518	31	the	the	DET
fsr-3164	518	32	other	other	ADJ
fsr-3164	518	33	two	two	NUM
fsr-3164	518	34	generation	generation	NOUN
fsr-3164	518	35	groups	group	NOUN
fsr-3164	518	36	,	,	PUNCT
fsr-3164	518	37	gen	gen	PROPN
fsr-3164	518	38	y	y	PROPN
fsr-3164	518	39	and	and	CCONJ
fsr-3164	518	40	gen	gen	PROPN
fsr-3164	518	41	x.	x.	NOUN
fsr-3164	518	42	this	this	PRON
fsr-3164	518	43	could	could	AUX
fsr-3164	518	44	indicate	indicate	VERB
fsr-3164	518	45	that	that	SCONJ
fsr-3164	518	46	those	those	PRON
fsr-3164	518	47	in	in	ADP
fsr-3164	518	48	the	the	DET
fsr-3164	518	49	youngest	young	ADJ
fsr-3164	518	50	generation	generation	NOUN
fsr-3164	518	51	(	(	PUNCT
fsr-3164	518	52	gen	gen	PROPN
fsr-3164	518	53	z	z	PROPN
fsr-3164	518	54	)	)	PUNCT
fsr-3164	518	55	and	and	CCONJ
fsr-3164	518	56	the	the	DET
fsr-3164	518	57	oldest	old	ADJ
fsr-3164	518	58	generation	generation	NOUN
fsr-3164	518	59	(	(	PUNCT
fsr-3164	518	60	baby	baby	NOUN
fsr-3164	518	61	boomers	boomer	NOUN
fsr-3164	518	62	)	)	PUNCT
fsr-3164	518	63	are	be	AUX
fsr-3164	518	64	not	not	PART
fsr-3164	518	65	using	use	VERB
fsr-3164	518	66	technology	technology	NOUN
fsr-3164	518	67	in	in	ADP
fsr-3164	518	68	a	a	DET
fsr-3164	518	69	way	way	NOUN
fsr-3164	518	70	that	that	PRON
fsr-3164	518	71	would	would	AUX
fsr-3164	518	72	benefit	benefit	VERB
fsr-3164	518	73	their	their	PRON
fsr-3164	518	74	money	money	NOUN
fsr-3164	518	75	management	management	NOUN
fsr-3164	518	76	in	in	ADP
fsr-3164	518	77	the	the	DET
fsr-3164	518	78	short	short	ADJ
fsr-3164	518	79	-	-	PUNCT
fsr-3164	518	80	term	term	NOUN
fsr-3164	518	81	.	.	PUNCT
fsr-3164	519	1	whereas	whereas	SCONJ
fsr-3164	519	2	,	,	PUNCT
fsr-3164	519	3	the	the	DET
fsr-3164	519	4	millennials	millennial	NOUN
fsr-3164	519	5	and	and	CCONJ
fsr-3164	519	6	gen	gen	PROPN
fsr-3164	519	7	x	x	NOUN
fsr-3164	519	8	generation	generation	NOUN
fsr-3164	519	9	are	be	AUX
fsr-3164	519	10	responsible	responsible	ADJ
fsr-3164	519	11	for	for	ADP
fsr-3164	519	12	their	their	PRON
fsr-3164	519	13	families	family	NOUN
fsr-3164	519	14	and	and	CCONJ
fsr-3164	519	15	they	they	PRON
fsr-3164	519	16	could	could	AUX
fsr-3164	519	17	be	be	AUX
fsr-3164	519	18	relatively	relatively	ADV
fsr-3164	519	19	sensitive	sensitive	ADJ
fsr-3164	519	20	to	to	ADP
fsr-3164	519	21	their	their	PRON
fsr-3164	519	22	spending	spending	NOUN
fsr-3164	519	23	.	.	PUNCT
fsr-3164	520	1	table	table	NOUN
fsr-3164	520	2	8	8	NUM
fsr-3164	520	3	reports	report	VERB
fsr-3164	520	4	the	the	DET
fsr-3164	520	5	marginal	marginal	ADJ
fsr-3164	520	6	effects	effect	NOUN
fsr-3164	520	7	of	of	ADP
fsr-3164	520	8	the	the	DET
fsr-3164	520	9	individual	individual	ADJ
fsr-3164	520	10	tech	tech	NOUN
fsr-3164	520	11	-	-	PUNCT
fsr-3164	520	12	savvy	savvy	ADJ
fsr-3164	520	13	metric	metric	ADJ
fsr-3164	520	14	variables	variable	NOUN
fsr-3164	520	15	,	,	PUNCT
fsr-3164	520	16	by	by	ADP
fsr-3164	520	17	age	age	NOUN
fsr-3164	520	18	group	group	NOUN
fsr-3164	520	19	to	to	PART
fsr-3164	520	20	examine	examine	VERB
fsr-3164	520	21	this	this	DET
fsr-3164	520	22	further	far	ADV
fsr-3164	520	23	.	.	PUNCT
fsr-3164	521	1	mobile	mobile	ADJ
fsr-3164	521	2	use	use	NOUN
fsr-3164	521	3	for	for	ADP
fsr-3164	521	4	transfer	transfer	NOUN
fsr-3164	521	5	variables	variable	NOUN
fsr-3164	521	6	is	be	AUX
fsr-3164	521	7	negative	negative	ADJ
fsr-3164	521	8	and	and	CCONJ
fsr-3164	521	9	significant	significant	ADJ
fsr-3164	521	10	in	in	ADP
fsr-3164	521	11	explaining	explain	VERB
fsr-3164	521	12	gen	gen	PROPN
fsr-3164	521	13	x	x	NOUN
fsr-3164	521	14	,	,	PUNCT
fsr-3164	521	15	and	and	CCONJ
fsr-3164	521	16	baby	baby	NOUN
fsr-3164	521	17	boomers	boomer	NOUN
fsr-3164	521	18	’	'	PUNCT
fsr-3164	521	19	short	short	ADJ
fsr-3164	521	20	-	-	PUNCT
fsr-3164	521	21	term	term	NOUN
fsr-3164	521	22	financial	financial	ADJ
fsr-3164	521	23	behavior	behavior	NOUN
fsr-3164	521	24	.	.	PUNCT
fsr-3164	522	1	those	those	DET
fsr-3164	522	2	earlier	early	ADJ
fsr-3164	522	3	generations	generation	NOUN
fsr-3164	522	4	who	who	PRON
fsr-3164	522	5	use	use	VERB
fsr-3164	522	6	technology	technology	NOUN
fsr-3164	522	7	for	for	ADP
fsr-3164	522	8	mobile	mobile	ADJ
fsr-3164	522	9	transfers	transfer	NOUN
fsr-3164	522	10	are	be	AUX
fsr-3164	522	11	4.0	4.0	NUM
fsr-3164	522	12	%	%	NOUN
fsr-3164	522	13	to	to	ADP
fsr-3164	522	14	6.7	6.7	NUM
fsr-3164	522	15	%	%	NOUN
fsr-3164	522	16	less	less	ADV
fsr-3164	522	17	likely	likely	ADJ
fsr-3164	522	18	to	to	PART
fsr-3164	522	19	engage	engage	VERB
fsr-3164	522	20	in	in	ADP
fsr-3164	522	21	good	good	ADJ
fsr-3164	522	22	short	short	ADJ
fsr-3164	522	23	-	-	PUNCT
fsr-3164	522	24	term	term	NOUN
fsr-3164	522	25	financial	financial	ADJ
fsr-3164	522	26	behavior	behavior	NOUN
fsr-3164	522	27	.	.	PUNCT
fsr-3164	523	1	frequent	frequent	ADJ
fsr-3164	523	2	use	use	NOUN
fsr-3164	523	3	of	of	ADP
fsr-3164	523	4	mobile	mobile	ADJ
fsr-3164	523	5	phones	phone	NOUN
fsr-3164	523	6	for	for	ADP
fsr-3164	523	7	transfers	transfer	NOUN
fsr-3164	523	8	can	can	AUX
fsr-3164	523	9	cause	cause	VERB
fsr-3164	523	10	overspending	overspending	NOUN
fsr-3164	523	11	and	and	CCONJ
fsr-3164	523	12	overdrafts	overdraft	NOUN
fsr-3164	523	13	if	if	SCONJ
fsr-3164	523	14	one	one	NUM
fsr-3164	523	15	is	be	AUX
fsr-3164	523	16	not	not	PART
fsr-3164	523	17	aware	aware	ADJ
fsr-3164	523	18	of	of	ADP
fsr-3164	523	19	their	their	PRON
fsr-3164	523	20	current	current	ADJ
fsr-3164	523	21	account	account	NOUN
fsr-3164	523	22	balance	balance	NOUN
fsr-3164	523	23	.	.	PUNCT
fsr-3164	524	1	web	web	NOUN
fsr-3164	524	2	and	and	CCONJ
fsr-3164	524	3	app	app	NOUN
fsr-3164	524	4	for	for	ADP
fsr-3164	524	5	the	the	DET
fsr-3164	524	6	personal	personal	ADJ
fsr-3164	524	7	variable	variable	NOUN
fsr-3164	524	8	are	be	AUX
fsr-3164	524	9	also	also	ADV
fsr-3164	524	10	negatively	negatively	ADV
fsr-3164	524	11	and	and	CCONJ
fsr-3164	524	12	significantly	significantly	ADV
fsr-3164	524	13	related	relate	VERB
fsr-3164	524	14	to	to	ADP
fsr-3164	524	15	gen	gen	PROPN
fsr-3164	524	16	z	z	PROPN
fsr-3164	524	17	,	,	PUNCT
fsr-3164	524	18	gen	gen	PROPN
fsr-3164	524	19	x	x	X
fsr-3164	524	20	,	,	PUNCT
fsr-3164	524	21	and	and	CCONJ
fsr-3164	524	22	baby	baby	NOUN
fsr-3164	524	23	boomers	boomer	NOUN
fsr-3164	524	24	’	'	PUNCT
fsr-3164	524	25	short	short	ADJ
fsr-3164	524	26	-	-	PUNCT
fsr-3164	524	27	term	term	NOUN
fsr-3164	524	28	table	table	NOUN
fsr-3164	524	29	8	8	NUM
fsr-3164	524	30	logistic	logistic	ADJ
fsr-3164	524	31	regression	regression	NOUN
fsr-3164	524	32	predicting	predict	VERB
fsr-3164	524	33	a	a	DET
fsr-3164	524	34	measure	measure	NOUN
fsr-3164	524	35	of	of	ADP
fsr-3164	524	36	overall	overall	ADJ
fsr-3164	524	37	short	short	ADJ
fsr-3164	524	38	-	-	PUNCT
fsr-3164	524	39	term	term	NOUN
fsr-3164	524	40	financial	financial	ADJ
fsr-3164	524	41	behavior	behavior	NOUN
fsr-3164	524	42	by	by	ADP
fsr-3164	524	43	age	age	NOUN
fsr-3164	524	44	group	group	NOUN
fsr-3164	524	45	variables	variable	VERB
fsr-3164	524	46	age	age	NOUN
fsr-3164	524	47	group	group	PROPN
fsr-3164	524	48	igen	igen	PROPN
fsr-3164	524	49	/	/	SYM
fsr-3164	524	50	genz	genz	NOUN
fsr-3164	524	51	millennials	millennial	NOUN
fsr-3164	524	52	/	/	SYM
fsr-3164	524	53	geny	geny	PROPN
fsr-3164	524	54	genx	genx	PROPN
fsr-3164	524	55	baby	baby	PROPN
fsr-3164	524	56	boomers	boomer	NOUN
fsr-3164	524	57	financial	financial	ADJ
fsr-3164	524	58	knowledge	knowledge	NOUN
fsr-3164	524	59	0.0450	0.0450	NUM
fsr-3164	524	60	*	*	SYM
fsr-3164	524	61	�	�	PROPN
fsr-3164	524	62	0.00747	0.00747	NUM
fsr-3164	524	63	0.0110	0.0110	NUM
fsr-3164	524	64	0.0413	0.0413	NUM
fsr-3164	524	65	*	*	PUNCT
fsr-3164	524	66	*	*	PUNCT
fsr-3164	524	67	*	*	PUNCT
fsr-3164	524	68	(	(	PUNCT
fsr-3164	524	69	0.0264	0.0264	NUM
fsr-3164	524	70	)	)	PUNCT
fsr-3164	524	71	(	(	PUNCT
fsr-3164	524	72	0.0196	0.0196	NUM
fsr-3164	524	73	)	)	PUNCT
fsr-3164	524	74	(	(	PUNCT
fsr-3164	524	75	0.0122	0.0122	NUM
fsr-3164	524	76	)	)	PUNCT
fsr-3164	524	77	(	(	PUNCT
fsr-3164	524	78	0.0151	0.0151	NUM
fsr-3164	524	79	)	)	PUNCT
fsr-3164	524	80	financial	financial	ADJ
fsr-3164	524	81	confidence	confidence	NOUN
fsr-3164	524	82	0.177	0.177	NUM
fsr-3164	524	83	*	*	PUNCT
fsr-3164	524	84	*	*	PUNCT
fsr-3164	524	85	*	*	PUNCT
fsr-3164	524	86	0.228	0.228	NUM
fsr-3164	524	87	*	*	PUNCT
fsr-3164	524	88	*	*	PUNCT
fsr-3164	524	89	*	*	PUNCT
fsr-3164	524	90	0.183	0.183	NUM
fsr-3164	524	91	*	*	PUNCT
fsr-3164	524	92	*	*	PUNCT
fsr-3164	524	93	*	*	PUNCT
fsr-3164	524	94	0.198	0.198	NUM
fsr-3164	524	95	*	*	PUNCT
fsr-3164	524	96	*	*	PUNCT
fsr-3164	524	97	*	*	PUNCT
fsr-3164	524	98	(	(	PUNCT
fsr-3164	524	99	0.0410	0.0410	NUM
fsr-3164	524	100	)	)	PUNCT
fsr-3164	524	101	(	(	PUNCT
fsr-3164	524	102	0.0285	0.0285	NUM
fsr-3164	524	103	)	)	PUNCT
fsr-3164	524	104	(	(	PUNCT
fsr-3164	524	105	0.0152	0.0152	NUM
fsr-3164	524	106	)	)	PUNCT
fsr-3164	524	107	(	(	PUNCT
fsr-3164	524	108	0.0147	0.0147	NUM
fsr-3164	524	109	)	)	PUNCT
fsr-3164	524	110	financial	financial	ADJ
fsr-3164	524	111	knowledge*confidence	knowledge*confidence	NOUN
fsr-3164	524	112	0.0183	0.0183	NUM
fsr-3164	524	113	�	�	PROPN
fsr-3164	524	114	0.0239	0.0239	NUM
fsr-3164	524	115	0.0300	0.0300	NUM
fsr-3164	524	116	0.00126	0.00126	NOUN
fsr-3164	524	117	(	(	PUNCT
fsr-3164	524	118	0.0554	0.0554	NUM
fsr-3164	524	119	)	)	PUNCT
fsr-3164	524	120	(	(	PUNCT
fsr-3164	524	121	0.0336	0.0336	NUM
fsr-3164	524	122	)	)	PUNCT
fsr-3164	524	123	(	(	PUNCT
fsr-3164	524	124	0.0230	0.0230	NUM
fsr-3164	524	125	)	)	PUNCT
fsr-3164	524	126	(	(	PUNCT
fsr-3164	524	127	0.0193	0.0193	NUM
fsr-3164	524	128	)	)	PUNCT
fsr-3164	524	129	mobile	mobile	ADJ
fsr-3164	524	130	use	use	NOUN
fsr-3164	524	131	in	in	ADP
fsr-3164	524	132	person	person	NOUN
fsr-3164	524	133	0.00394	0.00394	NUM
fsr-3164	524	134	�	�	PROPN
fsr-3164	524	135	0.00263	0.00263	NUM
fsr-3164	524	136	�	�	PROPN
fsr-3164	524	137	0.00698	0.00698	NUM
fsr-3164	524	138	�	�	NUM
fsr-3164	524	139	0.0177	0.0177	NUM
fsr-3164	524	140	(	(	PUNCT
fsr-3164	524	141	0.0254	0.0254	NUM
fsr-3164	524	142	)	)	PUNCT
fsr-3164	524	143	(	(	PUNCT
fsr-3164	524	144	0.0181	0.0181	NUM
fsr-3164	524	145	)	)	PUNCT
fsr-3164	524	146	(	(	PUNCT
fsr-3164	524	147	0.0111	0.0111	NUM
fsr-3164	524	148	)	)	PUNCT
fsr-3164	524	149	(	(	PUNCT
fsr-3164	524	150	0.0132	0.0132	NUM
fsr-3164	524	151	)	)	PUNCT
fsr-3164	524	152	mobile	mobile	ADJ
fsr-3164	524	153	use	use	NOUN
fsr-3164	524	154	for	for	ADP
fsr-3164	524	155	transfer	transfer	NOUN
fsr-3164	524	156	�	�	NOUN
fsr-3164	524	157	0.00239	0.00239	NUM
fsr-3164	524	158	0.000917	0.000917	NUM
fsr-3164	524	159	�	�	NOUN
fsr-3164	524	160	0.0402	0.0402	NUM
fsr-3164	524	161	*	*	NOUN
fsr-3164	524	162	*	*	PUNCT
fsr-3164	524	163	*	*	PUNCT
fsr-3164	524	164	�	�	PROPN
fsr-3164	524	165	0.0666	0.0666	NUM
fsr-3164	524	166	*	*	PUNCT
fsr-3164	524	167	*	*	PUNCT
fsr-3164	524	168	*	*	PUNCT
fsr-3164	524	169	(	(	PUNCT
fsr-3164	524	170	0.0258	0.0258	NUM
fsr-3164	524	171	)	)	PUNCT
fsr-3164	524	172	(	(	PUNCT
fsr-3164	524	173	0.0186	0.0186	NUM
fsr-3164	524	174	)	)	PUNCT
fsr-3164	524	175	(	(	PUNCT
fsr-3164	524	176	0.0110	0.0110	NUM
fsr-3164	524	177	)	)	PUNCT
fsr-3164	524	178	(	(	PUNCT
fsr-3164	524	179	0.0136	0.0136	NUM
fsr-3164	524	180	)	)	PUNCT
fsr-3164	524	181	web	web	NOUN
fsr-3164	524	182	and	and	CCONJ
fsr-3164	524	183	app	app	NOUN
fsr-3164	524	184	for	for	ADP
fsr-3164	524	185	personal	personal	ADJ
fsr-3164	524	186	use	use	NOUN
fsr-3164	524	187	�	�	NOUN
fsr-3164	524	188	0.073	0.073	NUM
fsr-3164	524	189	*	*	PUNCT
fsr-3164	524	190	*	*	PUNCT
fsr-3164	524	191	*	*	PUNCT
fsr-3164	524	192	�	�	PROPN
fsr-3164	524	193	0.00931	0.00931	NUM
fsr-3164	524	194	�	�	NOUN
fsr-3164	524	195	0.0228	0.0228	NUM
fsr-3164	524	196	*	*	PROPN
fsr-3164	524	197	*	*	PROPN
fsr-3164	524	198	�	�	PROPN
fsr-3164	524	199	0.0544	0.0544	NUM
fsr-3164	524	200	*	*	PUNCT
fsr-3164	524	201	*	*	PUNCT
fsr-3164	524	202	*	*	PUNCT
fsr-3164	524	203	(	(	PUNCT
fsr-3164	524	204	0.0249	0.0249	NUM
fsr-3164	524	205	)	)	PUNCT
fsr-3164	524	206	(	(	PUNCT
fsr-3164	524	207	0.0181	0.0181	NUM
fsr-3164	524	208	)	)	PUNCT
fsr-3164	524	209	(	(	PUNCT
fsr-3164	524	210	0.0107	0.0107	NUM
fsr-3164	524	211	)	)	PUNCT
fsr-3164	524	212	(	(	PUNCT
fsr-3164	524	213	0.0110	0.0110	NUM
fsr-3164	524	214	)	)	PUNCT
fsr-3164	524	215	web	web	NOUN
fsr-3164	524	216	and	and	CCONJ
fsr-3164	524	217	app	app	NOUN
fsr-3164	524	218	use	use	NOUN
fsr-3164	524	219	for	for	ADP
fsr-3164	524	220	work	work	NOUN
fsr-3164	524	221	0.0226	0.0226	NUM
fsr-3164	524	222	�	�	PROPN
fsr-3164	524	223	0.0248	0.0248	NUM
fsr-3164	524	224	�	�	PROPN
fsr-3164	524	225	0.0218	0.0218	NUM
fsr-3164	524	226	�	�	NUM
fsr-3164	524	227	0.0358	0.0358	NUM
fsr-3164	524	228	(	(	PUNCT
fsr-3164	524	229	0.0279	0.0279	NUM
fsr-3164	524	230	)	)	PUNCT
fsr-3164	524	231	(	(	PUNCT
fsr-3164	524	232	0.0216	0.0216	NUM
fsr-3164	524	233	)	)	PUNCT
fsr-3164	524	234	(	(	PUNCT
fsr-3164	524	235	0.0153	0.0153	NUM
fsr-3164	524	236	)	)	PUNCT
fsr-3164	524	237	(	(	PUNCT
fsr-3164	524	238	0.0247	0.0247	NUM
fsr-3164	524	239	)	)	PUNCT
fsr-3164	524	240	pseudo	pseudo	NOUN
fsr-3164	524	241	r2	r2	NOUN
fsr-3164	524	242	0.178	0.178	NUM
fsr-3164	524	243	0.172	0.172	NUM
fsr-3164	524	244	0.207	0.207	NUM
fsr-3164	524	245	0.260	0.260	NUM
fsr-3164	524	246	observations	observation	NOUN
fsr-3164	524	247	1,326	1,326	NUM
fsr-3164	524	248	3,112	3,112	NUM
fsr-3164	524	249	6,849	6,849	NUM
fsr-3164	524	250	8,438	8,438	NUM
fsr-3164	524	251	note	note	NOUN
fsr-3164	524	252	.	.	PUNCT
fsr-3164	525	1	the	the	DET
fsr-3164	525	2	marginal	marginal	ADJ
fsr-3164	525	3	coefficients	coefficient	NOUN
fsr-3164	525	4	of	of	ADP
fsr-3164	525	5	other	other	ADJ
fsr-3164	525	6	control	control	NOUN
fsr-3164	525	7	variables	variable	NOUN
fsr-3164	525	8	(	(	PUNCT
fsr-3164	525	9	gender	gender	NOUN
fsr-3164	525	10	,	,	PUNCT
fsr-3164	525	11	education	education	NOUN
fsr-3164	525	12	level	level	NOUN
fsr-3164	525	13	,	,	PUNCT
fsr-3164	525	14	employment	employment	NOUN
fsr-3164	525	15	status	status	NOUN
fsr-3164	525	16	,	,	PUNCT
fsr-3164	525	17	marital	marital	ADJ
fsr-3164	525	18	status	status	NOUN
fsr-3164	525	19	,	,	PUNCT
fsr-3164	525	20	income	income	NOUN
fsr-3164	525	21	,	,	PUNCT
fsr-3164	525	22	race	race	NOUN
fsr-3164	525	23	,	,	PUNCT
fsr-3164	525	24	risk	risk	NOUN
fsr-3164	525	25	level	level	NOUN
fsr-3164	525	26	measures	measure	NOUN
fsr-3164	525	27	,	,	PUNCT
fsr-3164	525	28	and	and	CCONJ
fsr-3164	525	29	credit	credit	NOUN
fsr-3164	525	30	score	score	NOUN
fsr-3164	525	31	)	)	PUNCT
fsr-3164	525	32	are	be	AUX
fsr-3164	525	33	included	include	VERB
fsr-3164	525	34	in	in	ADP
fsr-3164	525	35	the	the	DET
fsr-3164	525	36	regression	regression	NOUN
fsr-3164	525	37	,	,	PUNCT
fsr-3164	525	38	not	not	PART
fsr-3164	525	39	reported	report	VERB
fsr-3164	525	40	here	here	ADV
fsr-3164	525	41	.	.	PUNCT
fsr-3164	526	1	standard	standard	ADJ
fsr-3164	526	2	errors	error	NOUN
fsr-3164	526	3	in	in	ADP
fsr-3164	526	4	parentheses	parenthesis	NOUN
fsr-3164	526	5	:	:	PUNCT
fsr-3164	526	6	*	*	PUNCT
fsr-3164	526	7	*	*	PUNCT
fsr-3164	526	8	*	*	PUNCT
fsr-3164	526	9	p	p	X
fsr-3164	526	10	<	<	X
fsr-3164	526	11	.01	.01	NUM
fsr-3164	526	12	,	,	PUNCT
fsr-3164	526	13	*	*	PUNCT
fsr-3164	526	14	*	*	PUNCT
fsr-3164	526	15	p	p	X
fsr-3164	526	16	<	<	X
fsr-3164	526	17	.05	.05	NUM
fsr-3164	526	18	,	,	PUNCT
fsr-3164	526	19	*	*	PUNCT
fsr-3164	526	20	p	p	X
fsr-3164	526	21	<	<	X
fsr-3164	526	22	.1	.1	NOUN
fsr-3164	526	23	.	.	PUNCT
fsr-3164	527	1	288	288	NUM
fsr-3164	527	2	a.	a.	NOUN
fsr-3164	527	3	mussa	mussa	NOUN
fsr-3164	527	4	et	et	PROPN
fsr-3164	527	5	al	al	PROPN
fsr-3164	527	6	.	.	PUNCT
fsr-3164	527	7	/	/	SYM
fsr-3164	527	8	financial	financial	ADJ
fsr-3164	527	9	services	service	NOUN
fsr-3164	527	10	review	review	VERB
fsr-3164	527	11	30	30	NUM
fsr-3164	527	12	(	(	PUNCT
fsr-3164	527	13	2022	2022	NUM
fsr-3164	527	14	)	)	PUNCT
fsr-3164	527	15	273–296	273–296	NUM
fsr-3164	527	16	financial	financial	ADJ
fsr-3164	527	17	behavior	behavior	NOUN
fsr-3164	527	18	.	.	PUNCT
fsr-3164	528	1	these	these	DET
fsr-3164	528	2	individuals	individual	NOUN
fsr-3164	528	3	are	be	AUX
fsr-3164	528	4	about	about	ADV
fsr-3164	528	5	2.3	2.3	NUM
fsr-3164	528	6	%	%	NOUN
fsr-3164	528	7	to	to	PART
fsr-3164	528	8	7.3	7.3	NUM
fsr-3164	528	9	%	%	NOUN
fsr-3164	528	10	less	less	ADV
fsr-3164	528	11	likely	likely	ADJ
fsr-3164	528	12	to	to	PART
fsr-3164	528	13	engage	engage	VERB
fsr-3164	528	14	in	in	ADP
fsr-3164	528	15	good	good	ADJ
fsr-3164	528	16	short	short	ADJ
fsr-3164	528	17	-	-	PUNCT
fsr-3164	528	18	term	term	NOUN
fsr-3164	528	19	financial	financial	ADJ
fsr-3164	528	20	behaviors	behavior	NOUN
fsr-3164	528	21	.	.	PUNCT
fsr-3164	529	1	this	this	DET
fsr-3164	529	2	web	web	NOUN
fsr-3164	529	3	and	and	CCONJ
fsr-3164	529	4	app	app	NOUN
fsr-3164	529	5	use	use	NOUN
fsr-3164	529	6	for	for	ADP
fsr-3164	529	7	personal	personal	ADJ
fsr-3164	529	8	use	use	NOUN
fsr-3164	529	9	could	could	AUX
fsr-3164	529	10	be	be	AUX
fsr-3164	529	11	used	use	VERB
fsr-3164	529	12	for	for	ADP
fsr-3164	529	13	shopping	shopping	NOUN
fsr-3164	529	14	which	which	PRON
fsr-3164	529	15	could	could	AUX
fsr-3164	529	16	cause	cause	VERB
fsr-3164	529	17	overspending	overspending	NOUN
fsr-3164	529	18	.	.	PUNCT
fsr-3164	530	1	similarly	similarly	ADV
fsr-3164	530	2	,	,	PUNCT
fsr-3164	530	3	table	table	NOUN
fsr-3164	530	4	9	9	NUM
fsr-3164	530	5	reports	report	NOUN
fsr-3164	530	6	long	long	ADJ
fsr-3164	530	7	-	-	PUNCT
fsr-3164	530	8	term	term	NOUN
fsr-3164	530	9	financial	financial	ADJ
fsr-3164	530	10	behavior	behavior	NOUN
fsr-3164	530	11	split	split	VERB
fsr-3164	530	12	up	up	ADP
fsr-3164	530	13	by	by	ADP
fsr-3164	530	14	age	age	NOUN
fsr-3164	530	15	group	group	NOUN
fsr-3164	530	16	.	.	PUNCT
fsr-3164	531	1	similar	similar	ADJ
fsr-3164	531	2	results	result	NOUN
fsr-3164	531	3	show	show	VERB
fsr-3164	531	4	up	up	ADP
fsr-3164	531	5	for	for	ADP
fsr-3164	531	6	overall	overall	ADJ
fsr-3164	531	7	financial	financial	ADJ
fsr-3164	531	8	confidence	confidence	NOUN
fsr-3164	531	9	.	.	PUNCT
fsr-3164	532	1	financial	financial	ADJ
fsr-3164	532	2	knowledge	knowledge	NOUN
fsr-3164	532	3	is	be	AUX
fsr-3164	532	4	positive	positive	ADJ
fsr-3164	532	5	and	and	CCONJ
fsr-3164	532	6	significant	significant	ADJ
fsr-3164	532	7	for	for	ADP
fsr-3164	532	8	all	all	DET
fsr-3164	532	9	age	age	NOUN
fsr-3164	532	10	groups	group	NOUN
fsr-3164	532	11	.	.	PUNCT
fsr-3164	533	1	as	as	SCONJ
fsr-3164	533	2	previously	previously	ADV
fsr-3164	533	3	stated	state	VERB
fsr-3164	533	4	,	,	PUNCT
fsr-3164	533	5	one	one	NUM
fsr-3164	533	6	of	of	ADP
fsr-3164	533	7	the	the	DET
fsr-3164	533	8	main	main	ADJ
fsr-3164	533	9	contributions	contribution	NOUN
fsr-3164	533	10	of	of	ADP
fsr-3164	533	11	the	the	DET
fsr-3164	533	12	paper	paper	NOUN
fsr-3164	533	13	is	be	AUX
fsr-3164	533	14	to	to	PART
fsr-3164	533	15	examine	examine	VERB
fsr-3164	533	16	the	the	DET
fsr-3164	533	17	role	role	NOUN
fsr-3164	533	18	of	of	ADP
fsr-3164	533	19	technology	technology	NOUN
fsr-3164	533	20	in	in	ADP
fsr-3164	533	21	financial	financial	ADJ
fsr-3164	533	22	behaviors	behavior	NOUN
fsr-3164	533	23	.	.	PUNCT
fsr-3164	534	1	the	the	DET
fsr-3164	534	2	tech	tech	NOUN
fsr-3164	534	3	-	-	PUNCT
fsr-3164	534	4	savvy	savvy	ADJ
fsr-3164	534	5	variable	variable	NOUN
fsr-3164	534	6	positively	positively	ADV
fsr-3164	534	7	and	and	CCONJ
fsr-3164	534	8	significantly	significantly	ADV
fsr-3164	534	9	explains	explain	VERB
fsr-3164	534	10	the	the	DET
fsr-3164	534	11	igen	igen	PROPN
fsr-3164	534	12	/	/	SYM
fsr-3164	534	13	gen	gen	PROPN
fsr-3164	534	14	z	z	PROPN
fsr-3164	534	15	,	,	PUNCT
fsr-3164	534	16	millennials	millennial	NOUN
fsr-3164	534	17	/	/	SYM
fsr-3164	534	18	gen	gen	PROPN
fsr-3164	534	19	y	y	PROPN
fsr-3164	534	20	,	,	PUNCT
fsr-3164	534	21	and	and	CCONJ
fsr-3164	534	22	gen	gen	PROPN
fsr-3164	534	23	x	x	ADJ
fsr-3164	534	24	long	long	ADJ
fsr-3164	534	25	-	-	PUNCT
fsr-3164	534	26	term	term	NOUN
fsr-3164	534	27	financial	financial	ADJ
fsr-3164	534	28	behavior	behavior	NOUN
fsr-3164	534	29	.	.	PUNCT
fsr-3164	535	1	the	the	DET
fsr-3164	535	2	tech	tech	NOUN
fsr-3164	535	3	-	-	PUNCT
fsr-3164	535	4	savvy	savvy	ADJ
fsr-3164	535	5	variable	variable	NOUN
fsr-3164	535	6	is	be	AUX
fsr-3164	535	7	insignificant	insignificant	ADJ
fsr-3164	535	8	for	for	ADP
fsr-3164	535	9	baby	baby	NOUN
fsr-3164	535	10	boomers	boomer	NOUN
fsr-3164	535	11	.	.	PUNCT
fsr-3164	536	1	that	that	PRON
fsr-3164	536	2	could	could	AUX
fsr-3164	536	3	be	be	AUX
fsr-3164	536	4	because	because	SCONJ
fsr-3164	536	5	baby	baby	NOUN
fsr-3164	536	6	boomers	boomer	NOUN
fsr-3164	536	7	have	have	AUX
fsr-3164	536	8	more	more	ADV
fsr-3164	536	9	likely	likely	ADV
fsr-3164	536	10	settled	settle	VERB
fsr-3164	536	11	their	their	PRON
fsr-3164	536	12	retirement	retirement	NOUN
fsr-3164	536	13	or	or	CCONJ
fsr-3164	536	14	savings	saving	NOUN
fsr-3164	536	15	account	account	NOUN
fsr-3164	536	16	because	because	SCONJ
fsr-3164	536	17	they	they	PRON
fsr-3164	536	18	are	be	AUX
fsr-3164	536	19	either	either	ADV
fsr-3164	536	20	already	already	ADV
fsr-3164	536	21	retired	retire	VERB
fsr-3164	536	22	,	,	PUNCT
fsr-3164	536	23	or	or	CCONJ
fsr-3164	536	24	closer	close	ADJ
fsr-3164	536	25	to	to	ADP
fsr-3164	536	26	their	their	PRON
fsr-3164	536	27	retirement	retirement	NOUN
fsr-3164	536	28	age	age	NOUN
fsr-3164	536	29	.	.	PUNCT
fsr-3164	537	1	these	these	DET
fsr-3164	537	2	later	later	ADJ
fsr-3164	537	3	generations	generation	NOUN
fsr-3164	537	4	that	that	PRON
fsr-3164	537	5	are	be	AUX
fsr-3164	537	6	using	use	VERB
fsr-3164	537	7	technology	technology	NOUN
fsr-3164	537	8	are	be	AUX
fsr-3164	537	9	3.6	3.6	NUM
fsr-3164	537	10	%	%	NOUN
fsr-3164	537	11	to	to	ADP
fsr-3164	537	12	7.3	7.3	NUM
fsr-3164	537	13	%	%	NOUN
fsr-3164	537	14	more	more	ADV
fsr-3164	537	15	likely	likely	ADJ
fsr-3164	537	16	to	to	PART
fsr-3164	537	17	engage	engage	VERB
fsr-3164	537	18	in	in	ADP
fsr-3164	537	19	good	good	ADJ
fsr-3164	537	20	longterm	longterm	ADJ
fsr-3164	537	21	financial	financial	ADJ
fsr-3164	537	22	behaviors	behavior	NOUN
fsr-3164	537	23	,	,	PUNCT
fsr-3164	537	24	consistent	consistent	ADJ
fsr-3164	537	25	with	with	ADP
fsr-3164	537	26	findings	finding	NOUN
fsr-3164	537	27	from	from	ADP
fsr-3164	537	28	shobha	shobha	NOUN
fsr-3164	537	29	and	and	CCONJ
fsr-3164	537	30	kumar	kumar	PROPN
fsr-3164	537	31	(	(	PUNCT
fsr-3164	537	32	2020	2020	NUM
fsr-3164	537	33	)	)	PUNCT
fsr-3164	537	34	.	.	PUNCT
fsr-3164	538	1	this	this	PRON
fsr-3164	538	2	could	could	AUX
fsr-3164	538	3	indicate	indicate	VERB
fsr-3164	538	4	the	the	DET
fsr-3164	538	5	effective	effective	ADJ
fsr-3164	538	6	use	use	NOUN
fsr-3164	538	7	of	of	ADP
fsr-3164	538	8	technology	technology	NOUN
fsr-3164	538	9	for	for	ADP
fsr-3164	538	10	retirement	retirement	NOUN
fsr-3164	538	11	planning	planning	NOUN
fsr-3164	538	12	and	and	CCONJ
fsr-3164	538	13	smart	smart	ADJ
fsr-3164	538	14	savings	saving	NOUN
fsr-3164	538	15	behavior	behavior	NOUN
fsr-3164	538	16	.	.	PUNCT
fsr-3164	539	1	when	when	SCONJ
fsr-3164	539	2	examining	examine	VERB
fsr-3164	539	3	the	the	DET
fsr-3164	539	4	individual	individual	ADJ
fsr-3164	539	5	technology	technology	NOUN
fsr-3164	539	6	variables	variable	NOUN
fsr-3164	539	7	,	,	PUNCT
fsr-3164	539	8	in	in	ADP
fsr-3164	539	9	table	table	NOUN
fsr-3164	539	10	10	10	NUM
fsr-3164	539	11	,	,	PUNCT
fsr-3164	539	12	we	we	PRON
fsr-3164	539	13	find	find	VERB
fsr-3164	539	14	the	the	DET
fsr-3164	539	15	variable	variable	ADJ
fsr-3164	539	16	mobile	mobile	ADJ
fsr-3164	539	17	use	use	NOUN
fsr-3164	539	18	for	for	ADP
fsr-3164	539	19	transfers	transfer	NOUN
fsr-3164	539	20	is	be	AUX
fsr-3164	539	21	positively	positively	ADV
fsr-3164	539	22	and	and	CCONJ
fsr-3164	539	23	significantly	significantly	ADV
fsr-3164	539	24	associated	associate	VERB
fsr-3164	539	25	with	with	ADP
fsr-3164	539	26	the	the	DET
fsr-3164	539	27	financial	financial	ADJ
fsr-3164	539	28	behavior	behavior	NOUN
fsr-3164	539	29	of	of	ADP
fsr-3164	539	30	igen	igen	PROPN
fsr-3164	539	31	/	/	SYM
fsr-3164	539	32	gen	gen	PROPN
fsr-3164	539	33	z	z	NOUN
fsr-3164	539	34	and	and	CCONJ
fsr-3164	539	35	millennials	millennial	NOUN
fsr-3164	539	36	/	/	SYM
fsr-3164	539	37	gen	gen	PROPN
fsr-3164	539	38	y.	y.	NOUN
fsr-3164	539	39	this	this	PRON
fsr-3164	539	40	indicates	indicate	VERB
fsr-3164	539	41	that	that	SCONJ
fsr-3164	539	42	later	later	ADJ
fsr-3164	539	43	generations	generation	NOUN
fsr-3164	539	44	are	be	AUX
fsr-3164	539	45	using	use	VERB
fsr-3164	539	46	mobile	mobile	ADJ
fsr-3164	539	47	phones	phone	NOUN
fsr-3164	539	48	for	for	ADP
fsr-3164	539	49	transfers	transfer	NOUN
fsr-3164	539	50	more	more	ADV
fsr-3164	539	51	wisely	wisely	ADV
fsr-3164	539	52	than	than	ADP
fsr-3164	539	53	earlier	early	ADJ
fsr-3164	539	54	generations	generation	NOUN
fsr-3164	539	55	.	.	PUNCT
fsr-3164	540	1	later	later	ADV
fsr-3164	540	2	generations	generation	NOUN
fsr-3164	540	3	are	be	AUX
fsr-3164	540	4	typically	typically	ADV
fsr-3164	540	5	more	more	ADV
fsr-3164	540	6	comfortable	comfortable	ADJ
fsr-3164	540	7	with	with	ADP
fsr-3164	540	8	technology	technology	NOUN
fsr-3164	540	9	and	and	CCONJ
fsr-3164	540	10	are	be	AUX
fsr-3164	540	11	using	use	VERB
fsr-3164	540	12	it	it	PRON
fsr-3164	540	13	in	in	ADP
fsr-3164	540	14	a	a	DET
fsr-3164	540	15	positive	positive	ADJ
fsr-3164	540	16	way	way	NOUN
fsr-3164	540	17	for	for	ADP
fsr-3164	540	18	their	their	PRON
fsr-3164	540	19	long	long	ADJ
fsr-3164	540	20	-	-	PUNCT
fsr-3164	540	21	term	term	NOUN
fsr-3164	540	22	financial	financial	ADJ
fsr-3164	540	23	behaviors	behavior	NOUN
fsr-3164	540	24	.	.	PUNCT
fsr-3164	541	1	web	web	NOUN
fsr-3164	541	2	and	and	CCONJ
fsr-3164	541	3	app	app	NOUN
fsr-3164	541	4	for	for	ADP
fsr-3164	541	5	personal	personal	ADJ
fsr-3164	541	6	use	use	NOUN
fsr-3164	541	7	variables	variable	NOUN
fsr-3164	541	8	are	be	AUX
fsr-3164	541	9	positively	positively	ADV
fsr-3164	541	10	and	and	CCONJ
fsr-3164	541	11	significantly	significantly	ADV
fsr-3164	541	12	related	relate	VERB
fsr-3164	541	13	to	to	ADP
fsr-3164	541	14	the	the	DET
fsr-3164	541	15	igen	igen	NOUN
fsr-3164	541	16	/	/	SYM
fsr-3164	541	17	genz	genz	NOUN
fsr-3164	541	18	,	,	PUNCT
fsr-3164	541	19	millennials	millennial	NOUN
fsr-3164	541	20	/	/	SYM
fsr-3164	541	21	gen	gen	PROPN
fsr-3164	541	22	y	y	PROPN
fsr-3164	541	23	,	,	PUNCT
fsr-3164	541	24	and	and	CCONJ
fsr-3164	541	25	gen	gen	PROPN
fsr-3164	541	26	x	x	ADJ
fsr-3164	541	27	long	long	ADJ
fsr-3164	541	28	-	-	PUNCT
fsr-3164	541	29	term	term	NOUN
fsr-3164	541	30	financial	financial	ADJ
fsr-3164	541	31	behavior	behavior	NOUN
fsr-3164	541	32	.	.	PUNCT
fsr-3164	542	1	the	the	DET
fsr-3164	542	2	variable	variable	ADJ
fsr-3164	542	3	web	web	NOUN
fsr-3164	542	4	and	and	CCONJ
fsr-3164	542	5	app	app	NOUN
fsr-3164	542	6	use	use	NOUN
fsr-3164	542	7	for	for	ADP
fsr-3164	542	8	work	work	NOUN
fsr-3164	542	9	is	be	AUX
fsr-3164	542	10	positively	positively	ADV
fsr-3164	542	11	and	and	CCONJ
fsr-3164	542	12	significantly	significantly	ADV
fsr-3164	542	13	related	relate	VERB
fsr-3164	542	14	to	to	ADP
fsr-3164	542	15	igen	igen	PROPN
fsr-3164	542	16	/	/	SYM
fsr-3164	542	17	gen	gen	PROPN
fsr-3164	542	18	z	z	NOUN
fsr-3164	542	19	long	long	ADJ
fsr-3164	542	20	-	-	PUNCT
fsr-3164	542	21	term	term	NOUN
fsr-3164	542	22	financial	financial	ADJ
fsr-3164	542	23	behavior	behavior	NOUN
fsr-3164	542	24	.	.	PUNCT
fsr-3164	543	1	later	later	ADJ
fsr-3164	543	2	generations	generation	NOUN
fsr-3164	543	3	could	could	AUX
fsr-3164	543	4	be	be	AUX
fsr-3164	543	5	using	use	VERB
fsr-3164	543	6	technology	technology	NOUN
fsr-3164	543	7	to	to	PART
fsr-3164	543	8	help	help	VERB
fsr-3164	543	9	with	with	ADP
fsr-3164	543	10	their	their	PRON
fsr-3164	543	11	saving	saving	NOUN
fsr-3164	543	12	and	and	CCONJ
fsr-3164	543	13	retirement	retirement	NOUN
fsr-3164	543	14	planning	planning	NOUN
fsr-3164	543	15	,	,	PUNCT
fsr-3164	543	16	while	while	SCONJ
fsr-3164	543	17	earlier	early	ADJ
fsr-3164	543	18	generations	generation	NOUN
fsr-3164	543	19	are	be	AUX
fsr-3164	543	20	more	more	ADV
fsr-3164	543	21	likely	likely	ADJ
fsr-3164	543	22	to	to	PART
fsr-3164	543	23	continue	continue	VERB
fsr-3164	543	24	to	to	PART
fsr-3164	543	25	go	go	VERB
fsr-3164	543	26	to	to	ADP
fsr-3164	543	27	a	a	DET
fsr-3164	543	28	brick	brick	NOUN
fsr-3164	543	29	-	-	PUNCT
fsr-3164	543	30	and	and	CCONJ
fsr-3164	543	31	-	-	PUNCT
fsr-3164	543	32	mortar	mortar	NOUN
fsr-3164	543	33	location	location	NOUN
fsr-3164	543	34	.	.	PUNCT
fsr-3164	544	1	table	table	NOUN
fsr-3164	544	2	9	9	NUM
fsr-3164	544	3	logistic	logistic	ADJ
fsr-3164	544	4	regression	regression	NOUN
fsr-3164	544	5	predicting	predict	VERB
fsr-3164	544	6	a	a	DET
fsr-3164	544	7	measure	measure	NOUN
fsr-3164	544	8	of	of	ADP
fsr-3164	544	9	overall	overall	ADJ
fsr-3164	544	10	long	long	ADJ
fsr-3164	544	11	-	-	PUNCT
fsr-3164	544	12	term	term	NOUN
fsr-3164	544	13	financial	financial	ADJ
fsr-3164	544	14	behavior	behavior	NOUN
fsr-3164	544	15	by	by	ADP
fsr-3164	544	16	age	age	NOUN
fsr-3164	544	17	group	group	NOUN
fsr-3164	544	18	variables	variable	VERB
fsr-3164	544	19	age	age	NOUN
fsr-3164	544	20	group	group	PROPN
fsr-3164	544	21	igen	igen	PROPN
fsr-3164	544	22	/	/	SYM
fsr-3164	544	23	genz	genz	NOUN
fsr-3164	544	24	millennials	millennial	NOUN
fsr-3164	544	25	/	/	SYM
fsr-3164	544	26	geny	geny	PROPN
fsr-3164	544	27	genx	genx	PROPN
fsr-3164	544	28	baby	baby	PROPN
fsr-3164	544	29	boomers	boomer	NOUN
fsr-3164	544	30	financial	financial	ADJ
fsr-3164	544	31	knowledge	knowledge	NOUN
fsr-3164	544	32	0.0471	0.0471	NUM
fsr-3164	544	33	0.0694	0.0694	NUM
fsr-3164	544	34	*	*	PUNCT
fsr-3164	544	35	*	*	PUNCT
fsr-3164	544	36	*	*	PUNCT
fsr-3164	544	37	0.0771	0.0771	NUM
fsr-3164	544	38	*	*	PUNCT
fsr-3164	544	39	*	*	PUNCT
fsr-3164	544	40	*	*	NOUN
fsr-3164	544	41	0.0921	0.0921	NUM
fsr-3164	544	42	*	*	PUNCT
fsr-3164	544	43	*	*	PUNCT
fsr-3164	544	44	*	*	PUNCT
fsr-3164	544	45	(	(	PUNCT
fsr-3164	544	46	0.0295	0.0295	NUM
fsr-3164	544	47	)	)	PUNCT
fsr-3164	544	48	(	(	PUNCT
fsr-3164	544	49	0.0184	0.0184	NUM
fsr-3164	544	50	)	)	PUNCT
fsr-3164	544	51	(	(	PUNCT
fsr-3164	544	52	0.0117	0.0117	NUM
fsr-3164	544	53	)	)	PUNCT
fsr-3164	544	54	(	(	PUNCT
fsr-3164	544	55	0.0103	0.0103	NUM
fsr-3164	544	56	)	)	PUNCT
fsr-3164	544	57	financial	financial	ADJ
fsr-3164	544	58	confidence	confidence	NOUN
fsr-3164	544	59	0.145	0.145	NUM
fsr-3164	544	60	*	*	PUNCT
fsr-3164	544	61	*	*	PUNCT
fsr-3164	544	62	*	*	PUNCT
fsr-3164	544	63	0.177	0.177	NUM
fsr-3164	544	64	*	*	PUNCT
fsr-3164	544	65	*	*	PUNCT
fsr-3164	544	66	*	*	PUNCT
fsr-3164	544	67	0.159	0.159	NUM
fsr-3164	544	68	*	*	PUNCT
fsr-3164	544	69	*	*	PUNCT
fsr-3164	544	70	*	*	PUNCT
fsr-3164	544	71	0.145	0.145	NUM
fsr-3164	544	72	*	*	PUNCT
fsr-3164	544	73	*	*	PUNCT
fsr-3164	544	74	*	*	PUNCT
fsr-3164	544	75	(	(	PUNCT
fsr-3164	544	76	0.0378	0.0378	NUM
fsr-3164	544	77	)	)	PUNCT
fsr-3164	544	78	(	(	PUNCT
fsr-3164	544	79	0.0241	0.0241	NUM
fsr-3164	544	80	)	)	PUNCT
fsr-3164	544	81	(	(	PUNCT
fsr-3164	544	82	0.0128	0.0128	NUM
fsr-3164	544	83	)	)	PUNCT
fsr-3164	544	84	(	(	PUNCT
fsr-3164	544	85	0.0110	0.0110	NUM
fsr-3164	544	86	)	)	PUNCT
fsr-3164	544	87	financial	financial	ADJ
fsr-3164	544	88	knowledge*confidence	knowledge*confidence	NOUN
fsr-3164	544	89	0.0476	0.0476	NUM
fsr-3164	544	90	�	�	PROPN
fsr-3164	544	91	0.0463	0.0463	NUM
fsr-3164	544	92	0.0185	0.0185	NUM
fsr-3164	544	93	�	�	NOUN
fsr-3164	544	94	0.000148	0.000148	NUM
fsr-3164	544	95	(	(	PUNCT
fsr-3164	544	96	0.0487	0.0487	NUM
fsr-3164	544	97	)	)	PUNCT
fsr-3164	544	98	(	(	PUNCT
fsr-3164	544	99	0.0309	0.0309	NUM
fsr-3164	544	100	)	)	PUNCT
fsr-3164	544	101	(	(	PUNCT
fsr-3164	544	102	0.0200	0.0200	NUM
fsr-3164	544	103	)	)	PUNCT
fsr-3164	544	104	(	(	PUNCT
fsr-3164	544	105	0.0154	0.0154	NUM
fsr-3164	544	106	)	)	PUNCT
fsr-3164	544	107	tech	tech	NOUN
fsr-3164	544	108	-	-	PUNCT
fsr-3164	544	109	savvy	savvy	ADJ
fsr-3164	544	110	0.0725	0.0725	NUM
fsr-3164	544	111	*	*	PUNCT
fsr-3164	544	112	*	*	PUNCT
fsr-3164	544	113	*	*	PUNCT
fsr-3164	544	114	0.0585	0.0585	NUM
fsr-3164	544	115	*	*	PUNCT
fsr-3164	544	116	*	*	PUNCT
fsr-3164	544	117	*	*	PUNCT
fsr-3164	544	118	0.0361	0.0361	NUM
fsr-3164	544	119	*	*	PUNCT
fsr-3164	544	120	*	*	PUNCT
fsr-3164	544	121	*	*	PUNCT
fsr-3164	544	122	0.0183	0.0183	NUM
fsr-3164	544	123	(	(	PUNCT
fsr-3164	544	124	0.0249	0.0249	NUM
fsr-3164	544	125	)	)	PUNCT
fsr-3164	544	126	(	(	PUNCT
fsr-3164	544	127	0.0153	0.0153	NUM
fsr-3164	544	128	)	)	PUNCT
fsr-3164	544	129	(	(	PUNCT
fsr-3164	544	130	0.00987	0.00987	NUM
fsr-3164	544	131	)	)	PUNCT
fsr-3164	544	132	(	(	PUNCT
fsr-3164	544	133	0.0113	0.0113	NUM
fsr-3164	544	134	)	)	PUNCT
fsr-3164	544	135	pseudo	pseudo	NOUN
fsr-3164	544	136	r2	r2	NOUN
fsr-3164	544	137	0.223	0.223	NUM
fsr-3164	544	138	0.302	0.302	NUM
fsr-3164	544	139	0.332	0.332	NUM
fsr-3164	544	140	0.371	0.371	NUM
fsr-3164	544	141	observations	observation	NOUN
fsr-3164	544	142	1,326	1,326	NUM
fsr-3164	544	143	3,106	3,106	NUM
fsr-3164	544	144	6,849	6,849	NUM
fsr-3164	544	145	8,438	8,438	NUM
fsr-3164	544	146	note	note	NOUN
fsr-3164	544	147	.	.	PUNCT
fsr-3164	545	1	the	the	DET
fsr-3164	545	2	marginal	marginal	ADJ
fsr-3164	545	3	coefficients	coefficient	NOUN
fsr-3164	545	4	of	of	ADP
fsr-3164	545	5	other	other	ADJ
fsr-3164	545	6	control	control	NOUN
fsr-3164	545	7	variables	variable	NOUN
fsr-3164	545	8	(	(	PUNCT
fsr-3164	545	9	gender	gender	NOUN
fsr-3164	545	10	,	,	PUNCT
fsr-3164	545	11	education	education	NOUN
fsr-3164	545	12	level	level	NOUN
fsr-3164	545	13	,	,	PUNCT
fsr-3164	545	14	employment	employment	NOUN
fsr-3164	545	15	status	status	NOUN
fsr-3164	545	16	,	,	PUNCT
fsr-3164	545	17	marital	marital	ADJ
fsr-3164	545	18	status	status	NOUN
fsr-3164	545	19	,	,	PUNCT
fsr-3164	545	20	income	income	NOUN
fsr-3164	545	21	,	,	PUNCT
fsr-3164	545	22	race	race	NOUN
fsr-3164	545	23	,	,	PUNCT
fsr-3164	545	24	risk	risk	NOUN
fsr-3164	545	25	level	level	NOUN
fsr-3164	545	26	measures	measure	NOUN
fsr-3164	545	27	,	,	PUNCT
fsr-3164	545	28	and	and	CCONJ
fsr-3164	545	29	credit	credit	NOUN
fsr-3164	545	30	score	score	NOUN
fsr-3164	545	31	)	)	PUNCT
fsr-3164	545	32	are	be	AUX
fsr-3164	545	33	included	include	VERB
fsr-3164	545	34	in	in	ADP
fsr-3164	545	35	the	the	DET
fsr-3164	545	36	regression	regression	NOUN
fsr-3164	545	37	,	,	PUNCT
fsr-3164	545	38	not	not	PART
fsr-3164	545	39	reported	report	VERB
fsr-3164	545	40	here	here	ADV
fsr-3164	545	41	.	.	PUNCT
fsr-3164	546	1	standard	standard	ADJ
fsr-3164	546	2	errors	error	NOUN
fsr-3164	546	3	in	in	ADP
fsr-3164	546	4	parentheses	parenthesis	NOUN
fsr-3164	546	5	:	:	PUNCT
fsr-3164	546	6	*	*	PUNCT
fsr-3164	546	7	*	*	PUNCT
fsr-3164	546	8	*	*	PUNCT
fsr-3164	546	9	p	p	X
fsr-3164	546	10	<	<	X
fsr-3164	546	11	.01	.01	NUM
fsr-3164	546	12	,	,	PUNCT
fsr-3164	546	13	*	*	PUNCT
fsr-3164	546	14	*	*	PUNCT
fsr-3164	546	15	p	p	X
fsr-3164	546	16	<	<	X
fsr-3164	546	17	.05	.05	NUM
fsr-3164	546	18	,	,	PUNCT
fsr-3164	546	19	*	*	PUNCT
fsr-3164	546	20	p	p	X
fsr-3164	546	21	<	<	X
fsr-3164	546	22	.1	.1	PROPN
fsr-3164	546	23	.	.	PUNCT
fsr-3164	547	1	a.	a.	PROPN
fsr-3164	547	2	mussa	mussa	PROPN
fsr-3164	547	3	et	et	PROPN
fsr-3164	547	4	al	al	PROPN
fsr-3164	547	5	.	.	PUNCT
fsr-3164	547	6	/	/	SYM
fsr-3164	547	7	financial	financial	ADJ
fsr-3164	547	8	services	service	NOUN
fsr-3164	547	9	review	review	VERB
fsr-3164	547	10	30	30	NUM
fsr-3164	547	11	(	(	PUNCT
fsr-3164	547	12	2022	2022	NUM
fsr-3164	547	13	)	)	PUNCT
fsr-3164	547	14	273–296	273–296	NUM
fsr-3164	547	15	289	289	NUM
fsr-3164	547	16	5	5	NUM
fsr-3164	547	17	.	.	PUNCT
fsr-3164	548	1	robustness	robustness	NOUN
fsr-3164	548	2	check	check	NOUN
fsr-3164	548	3	to	to	PART
fsr-3164	548	4	check	check	VERB
fsr-3164	548	5	the	the	DET
fsr-3164	548	6	stability	stability	NOUN
fsr-3164	548	7	and	and	CCONJ
fsr-3164	548	8	robustness	robustness	NOUN
fsr-3164	548	9	of	of	ADP
fsr-3164	548	10	our	our	PRON
fsr-3164	548	11	results	result	NOUN
fsr-3164	548	12	,	,	PUNCT
fsr-3164	548	13	we	we	PRON
fsr-3164	548	14	made	make	VERB
fsr-3164	548	15	some	some	DET
fsr-3164	548	16	changes	change	NOUN
fsr-3164	548	17	to	to	ADP
fsr-3164	548	18	the	the	DET
fsr-3164	548	19	definition	definition	NOUN
fsr-3164	548	20	of	of	ADP
fsr-3164	548	21	our	our	PRON
fsr-3164	548	22	variables	variable	NOUN
fsr-3164	548	23	of	of	ADP
fsr-3164	548	24	interest	interest	NOUN
fsr-3164	548	25	and	and	CCONJ
fsr-3164	548	26	the	the	DET
fsr-3164	548	27	method	method	NOUN
fsr-3164	548	28	of	of	ADP
fsr-3164	548	29	estimation	estimation	NOUN
fsr-3164	548	30	.	.	PUNCT
fsr-3164	549	1	regardless	regardless	ADV
fsr-3164	549	2	of	of	ADP
fsr-3164	549	3	the	the	DET
fsr-3164	549	4	changes	change	NOUN
fsr-3164	549	5	we	we	PRON
fsr-3164	549	6	made	make	VERB
fsr-3164	549	7	for	for	ADP
fsr-3164	549	8	robustness	robustness	NOUN
fsr-3164	549	9	checks	check	NOUN
fsr-3164	549	10	,	,	PUNCT
fsr-3164	549	11	our	our	PRON
fsr-3164	549	12	findings	finding	NOUN
fsr-3164	549	13	are	be	AUX
fsr-3164	549	14	consistent	consistent	ADJ
fsr-3164	549	15	.	.	PUNCT
fsr-3164	550	1	first	first	ADV
fsr-3164	550	2	,	,	PUNCT
fsr-3164	550	3	we	we	PRON
fsr-3164	550	4	use	use	VERB
fsr-3164	550	5	a	a	DET
fsr-3164	550	6	tighter	tight	ADJ
fsr-3164	550	7	definition	definition	NOUN
fsr-3164	550	8	based	base	VERB
fsr-3164	550	9	on	on	ADP
fsr-3164	550	10	the	the	DET
fsr-3164	550	11	frequency	frequency	NOUN
fsr-3164	550	12	of	of	ADP
fsr-3164	550	13	use	use	NOUN
fsr-3164	550	14	of	of	ADP
fsr-3164	550	15	technology	technology	NOUN
fsr-3164	550	16	to	to	PART
fsr-3164	550	17	redefine	redefine	VERB
fsr-3164	550	18	the	the	DET
fsr-3164	550	19	aggregate	aggregate	ADJ
fsr-3164	550	20	measure	measure	NOUN
fsr-3164	550	21	of	of	ADP
fsr-3164	550	22	the	the	DET
fsr-3164	550	23	tech	tech	NOUN
fsr-3164	550	24	-	-	PUNCT
fsr-3164	550	25	savvy	savvy	ADJ
fsr-3164	550	26	variable	variable	NOUN
fsr-3164	550	27	,	,	PUNCT
fsr-3164	550	28	our	our	PRON
fsr-3164	550	29	main	main	ADJ
fsr-3164	550	30	variable	variable	NOUN
fsr-3164	550	31	of	of	ADP
fsr-3164	550	32	interest	interest	NOUN
fsr-3164	550	33	,	,	PUNCT
fsr-3164	550	34	by	by	ADP
fsr-3164	550	35	only	only	ADV
fsr-3164	550	36	including	include	VERB
fsr-3164	550	37	the	the	DET
fsr-3164	550	38	response	response	NOUN
fsr-3164	550	39	“	"	PUNCT
fsr-3164	550	40	use	use	VERB
fsr-3164	550	41	frequently	frequently	ADV
fsr-3164	550	42	”	"	PUNCT
fsr-3164	550	43	to	to	ADP
fsr-3164	550	44	all	all	DET
fsr-3164	550	45	four	four	NUM
fsr-3164	550	46	questions	question	NOUN
fsr-3164	550	47	.	.	PUNCT
fsr-3164	551	1	prior	prior	ADJ
fsr-3164	551	2	logit	logit	PROPN
fsr-3164	551	3	regression	regression	NOUN
fsr-3164	551	4	results	result	NOUN
fsr-3164	551	5	in	in	ADP
fsr-3164	551	6	tables	table	NOUN
fsr-3164	551	7	3	3	NUM
fsr-3164	551	8	,	,	PUNCT
fsr-3164	551	9	4	4	NUM
fsr-3164	551	10	,	,	PUNCT
fsr-3164	551	11	5	5	NUM
fsr-3164	551	12	,	,	PUNCT
fsr-3164	551	13	and	and	CCONJ
fsr-3164	551	14	6	6	NUM
fsr-3164	551	15	indicate	indicate	VERB
fsr-3164	551	16	being	be	AUX
fsr-3164	551	17	tech	tech	NOUN
fsr-3164	551	18	-	-	PUNCT
fsr-3164	551	19	savvy	savvy	NOUN
fsr-3164	551	20	is	be	AUX
fsr-3164	551	21	negatively	negatively	ADV
fsr-3164	551	22	and	and	CCONJ
fsr-3164	551	23	significantly	significantly	ADV
fsr-3164	551	24	related	relate	VERB
fsr-3164	551	25	to	to	ADP
fsr-3164	551	26	good	good	ADJ
fsr-3164	551	27	short	short	ADJ
fsr-3164	551	28	-	-	PUNCT
fsr-3164	551	29	term	term	NOUN
fsr-3164	551	30	financial	financial	ADJ
fsr-3164	551	31	behavior	behavior	NOUN
fsr-3164	551	32	,	,	PUNCT
fsr-3164	551	33	and	and	CCONJ
fsr-3164	551	34	positively	positively	ADV
fsr-3164	551	35	and	and	CCONJ
fsr-3164	551	36	significantly	significantly	ADV
fsr-3164	551	37	related	relate	VERB
fsr-3164	551	38	to	to	ADP
fsr-3164	551	39	good	good	ADJ
fsr-3164	551	40	long	long	ADJ
fsr-3164	551	41	-	-	PUNCT
fsr-3164	551	42	term	term	NOUN
fsr-3164	551	43	financial	financial	ADJ
fsr-3164	551	44	behavior	behavior	NOUN
fsr-3164	551	45	.	.	PUNCT
fsr-3164	552	1	after	after	ADP
fsr-3164	552	2	redefining	redefine	VERB
fsr-3164	552	3	the	the	DET
fsr-3164	552	4	aggregate	aggregate	ADJ
fsr-3164	552	5	measure	measure	NOUN
fsr-3164	552	6	of	of	ADP
fsr-3164	552	7	tech	tech	NOUN
fsr-3164	552	8	-	-	PUNCT
fsr-3164	552	9	savvy	savvy	ADJ
fsr-3164	552	10	variable	variable	NOUN
fsr-3164	552	11	,	,	PUNCT
fsr-3164	552	12	we	we	PRON
fsr-3164	552	13	then	then	ADV
fsr-3164	552	14	performed	perform	VERB
fsr-3164	552	15	the	the	DET
fsr-3164	552	16	logistic	logistic	ADJ
fsr-3164	552	17	regressions	regression	NOUN
fsr-3164	552	18	for	for	ADP
fsr-3164	552	19	short	short	ADJ
fsr-3164	552	20	-	-	PUNCT
fsr-3164	552	21	term	term	NOUN
fsr-3164	552	22	and	and	CCONJ
fsr-3164	552	23	long	long	ADJ
fsr-3164	552	24	-	-	PUNCT
fsr-3164	552	25	term	term	NOUN
fsr-3164	552	26	financial	financial	ADJ
fsr-3164	552	27	behavior	behavior	NOUN
fsr-3164	552	28	by	by	ADP
fsr-3164	552	29	age	age	NOUN
fsr-3164	552	30	group	group	NOUN
fsr-3164	552	31	.	.	PUNCT
fsr-3164	553	1	for	for	ADP
fsr-3164	553	2	short	short	ADJ
fsr-3164	553	3	-	-	PUNCT
fsr-3164	553	4	term	term	NOUN
fsr-3164	553	5	financial	financial	ADJ
fsr-3164	553	6	behavior	behavior	NOUN
fsr-3164	553	7	,	,	PUNCT
fsr-3164	553	8	the	the	DET
fsr-3164	553	9	tech	tech	NOUN
fsr-3164	553	10	-	-	PUNCT
fsr-3164	553	11	savvy	savvy	ADJ
fsr-3164	553	12	variable	variable	NOUN
fsr-3164	553	13	is	be	AUX
fsr-3164	553	14	still	still	ADV
fsr-3164	553	15	negative	negative	ADJ
fsr-3164	553	16	and	and	CCONJ
fsr-3164	553	17	significant	significant	ADJ
fsr-3164	553	18	across	across	ADP
fsr-3164	553	19	the	the	DET
fsr-3164	553	20	majority	majority	NOUN
fsr-3164	553	21	of	of	ADP
fsr-3164	553	22	the	the	DET
fsr-3164	553	23	age	age	NOUN
fsr-3164	553	24	groups	group	NOUN
fsr-3164	553	25	(	(	PUNCT
fsr-3164	553	26	see	see	VERB
fsr-3164	553	27	appendix	appendix	ADJ
fsr-3164	553	28	table	table	NOUN
fsr-3164	553	29	t1	t1	NOUN
fsr-3164	553	30	)	)	PUNCT
fsr-3164	553	31	.	.	PUNCT
fsr-3164	554	1	this	this	PRON
fsr-3164	554	2	confirms	confirm	VERB
fsr-3164	554	3	that	that	SCONJ
fsr-3164	554	4	the	the	DET
fsr-3164	554	5	more	more	ADV
fsr-3164	554	6	frequent	frequent	ADJ
fsr-3164	554	7	use	use	NOUN
fsr-3164	554	8	of	of	ADP
fsr-3164	554	9	technology	technology	NOUN
fsr-3164	554	10	could	could	AUX
fsr-3164	554	11	have	have	VERB
fsr-3164	554	12	an	an	DET
fsr-3164	554	13	adverse	adverse	ADJ
fsr-3164	554	14	impact	impact	NOUN
fsr-3164	554	15	on	on	ADP
fsr-3164	554	16	personal	personal	ADJ
fsr-3164	554	17	finance	finance	NOUN
fsr-3164	554	18	management	management	NOUN
fsr-3164	554	19	.	.	PUNCT
fsr-3164	555	1	when	when	SCONJ
fsr-3164	555	2	breaking	break	VERB
fsr-3164	555	3	down	down	ADP
fsr-3164	555	4	the	the	DET
fsr-3164	555	5	redefined	redefine	VERB
fsr-3164	555	6	tech	tech	NOUN
fsr-3164	555	7	-	-	PUNCT
fsr-3164	555	8	savvy	savvy	ADJ
fsr-3164	555	9	variable	variable	NOUN
fsr-3164	555	10	,	,	PUNCT
fsr-3164	555	11	we	we	PRON
fsr-3164	555	12	find	find	VERB
fsr-3164	555	13	that	that	SCONJ
fsr-3164	555	14	the	the	DET
fsr-3164	555	15	main	main	ADJ
fsr-3164	555	16	driver	driver	NOUN
fsr-3164	555	17	of	of	ADP
fsr-3164	555	18	the	the	DET
fsr-3164	555	19	negatively	negatively	ADV
fsr-3164	555	20	significant	significant	ADJ
fsr-3164	555	21	effect	effect	NOUN
fsr-3164	555	22	on	on	ADP
fsr-3164	555	23	short	short	ADJ
fsr-3164	555	24	-	-	PUNCT
fsr-3164	555	25	term	term	NOUN
fsr-3164	555	26	behavior	behavior	NOUN
fsr-3164	555	27	is	be	AUX
fsr-3164	555	28	mobile	mobile	ADJ
fsr-3164	555	29	use	use	NOUN
fsr-3164	555	30	for	for	ADP
fsr-3164	555	31	transfers	transfer	NOUN
fsr-3164	555	32	(	(	PUNCT
fsr-3164	555	33	see	see	VERB
fsr-3164	555	34	appendix	appendix	ADJ
fsr-3164	555	35	table	table	NOUN
fsr-3164	555	36	t2	t2	NOUN
fsr-3164	555	37	)	)	PUNCT
fsr-3164	555	38	,	,	PUNCT
fsr-3164	555	39	which	which	PRON
fsr-3164	555	40	indicates	indicate	VERB
fsr-3164	555	41	individuals	individual	NOUN
fsr-3164	555	42	using	use	VERB
fsr-3164	555	43	technology	technology	NOUN
fsr-3164	555	44	frequently	frequently	ADV
fsr-3164	555	45	tend	tend	VERB
fsr-3164	555	46	to	to	PART
fsr-3164	555	47	overtransfer	overtransfer	VERB
fsr-3164	555	48	or	or	CCONJ
fsr-3164	555	49	overspend	overspend	VERB
fsr-3164	555	50	and	and	CCONJ
fsr-3164	555	51	hurt	hurt	VERB
fsr-3164	555	52	their	their	PRON
fsr-3164	555	53	short	short	ADJ
fsr-3164	555	54	-	-	PUNCT
fsr-3164	555	55	term	term	NOUN
fsr-3164	555	56	financial	financial	ADJ
fsr-3164	555	57	status	status	NOUN
fsr-3164	555	58	.	.	PUNCT
fsr-3164	556	1	similarly	similarly	ADV
fsr-3164	556	2	,	,	PUNCT
fsr-3164	556	3	looking	look	VERB
fsr-3164	556	4	at	at	ADP
fsr-3164	556	5	the	the	DET
fsr-3164	556	6	regression	regression	NOUN
fsr-3164	556	7	of	of	ADP
fsr-3164	556	8	long	long	ADJ
fsr-3164	556	9	-	-	PUNCT
fsr-3164	556	10	term	term	NOUN
fsr-3164	556	11	financial	financial	ADJ
fsr-3164	556	12	behavior	behavior	NOUN
fsr-3164	556	13	by	by	ADP
fsr-3164	556	14	age	age	NOUN
fsr-3164	556	15	group	group	NOUN
fsr-3164	556	16	as	as	SCONJ
fsr-3164	556	17	indicated	indicate	VERB
fsr-3164	556	18	in	in	ADP
fsr-3164	556	19	appendix	appendix	ADJ
fsr-3164	556	20	table	table	NOUN
fsr-3164	556	21	t3	t3	PROPN
fsr-3164	556	22	,	,	PUNCT
fsr-3164	556	23	the	the	DET
fsr-3164	556	24	relationship	relationship	NOUN
fsr-3164	556	25	between	between	ADP
fsr-3164	556	26	being	be	AUX
fsr-3164	556	27	tech	tech	NOUN
fsr-3164	556	28	-	-	PUNCT
fsr-3164	556	29	savvy	savvy	ADJ
fsr-3164	556	30	and	and	CCONJ
fsr-3164	556	31	long	long	ADJ
fsr-3164	556	32	-	-	PUNCT
fsr-3164	556	33	term	term	NOUN
fsr-3164	556	34	financial	financial	ADJ
fsr-3164	556	35	behavior	behavior	NOUN
fsr-3164	556	36	is	be	AUX
fsr-3164	556	37	still	still	ADV
fsr-3164	556	38	positive	positive	ADJ
fsr-3164	556	39	and	and	CCONJ
fsr-3164	556	40	significant	significant	ADJ
fsr-3164	556	41	,	,	PUNCT
fsr-3164	556	42	except	except	SCONJ
fsr-3164	556	43	for	for	ADP
fsr-3164	556	44	the	the	DET
fsr-3164	556	45	gen	gen	PROPN
fsr-3164	556	46	z	z	PROPN
fsr-3164	556	47	group	group	NOUN
fsr-3164	556	48	.	.	PUNCT
fsr-3164	557	1	table	table	PROPN
fsr-3164	557	2	t4	t4	PROPN
fsr-3164	557	3	in	in	ADP
fsr-3164	557	4	the	the	DET
fsr-3164	557	5	appendix	appendix	ADJ
fsr-3164	557	6	shows	show	NOUN
fsr-3164	557	7	,	,	PUNCT
fsr-3164	557	8	among	among	ADP
fsr-3164	557	9	the	the	DET
fsr-3164	557	10	individual	individual	ADJ
fsr-3164	557	11	measures	measure	NOUN
fsr-3164	557	12	of	of	ADP
fsr-3164	557	13	being	be	AUX
fsr-3164	557	14	tech	tech	NOUN
fsr-3164	557	15	-	-	PUNCT
fsr-3164	557	16	savvy	savvy	ADJ
fsr-3164	557	17	,	,	PUNCT
fsr-3164	557	18	the	the	DET
fsr-3164	557	19	web	web	NOUN
fsr-3164	557	20	and	and	CCONJ
fsr-3164	557	21	app	app	NOUN
fsr-3164	557	22	for	for	ADP
fsr-3164	557	23	personal	personal	ADJ
fsr-3164	557	24	use	use	NOUN
fsr-3164	557	25	variable	variable	NOUN
fsr-3164	557	26	is	be	AUX
fsr-3164	557	27	the	the	DET
fsr-3164	557	28	main	main	ADJ
fsr-3164	557	29	driver	driver	NOUN
fsr-3164	557	30	for	for	ADP
fsr-3164	557	31	the	the	DET
fsr-3164	557	32	positive	positive	ADJ
fsr-3164	557	33	and	and	CCONJ
fsr-3164	557	34	significant	significant	ADJ
fsr-3164	557	35	effect	effect	NOUN
fsr-3164	557	36	,	,	PUNCT
fsr-3164	557	37	which	which	PRON
fsr-3164	557	38	demonstrates	demonstrate	VERB
fsr-3164	557	39	that	that	SCONJ
fsr-3164	557	40	the	the	DET
fsr-3164	557	41	more	more	ADV
fsr-3164	557	42	frequent	frequent	ADJ
fsr-3164	557	43	table	table	NOUN
fsr-3164	557	44	10	10	NUM
fsr-3164	557	45	logistic	logistic	ADJ
fsr-3164	557	46	regression	regression	NOUN
fsr-3164	557	47	predicting	predict	VERB
fsr-3164	557	48	a	a	DET
fsr-3164	557	49	measure	measure	NOUN
fsr-3164	557	50	of	of	ADP
fsr-3164	557	51	overall	overall	ADJ
fsr-3164	557	52	long	long	ADJ
fsr-3164	557	53	-	-	PUNCT
fsr-3164	557	54	term	term	NOUN
fsr-3164	557	55	financial	financial	ADJ
fsr-3164	557	56	behavior	behavior	NOUN
fsr-3164	557	57	by	by	ADP
fsr-3164	557	58	age	age	NOUN
fsr-3164	557	59	group	group	NOUN
fsr-3164	557	60	variables	variable	NOUN
fsr-3164	557	61	igen	igen	PROPN
fsr-3164	557	62	/	/	SYM
fsr-3164	557	63	genz	genz	NOUN
fsr-3164	557	64	millennials	millennial	NOUN
fsr-3164	557	65	/	/	SYM
fsr-3164	557	66	geny	geny	PROPN
fsr-3164	557	67	genx	genx	PROPN
fsr-3164	557	68	baby	baby	PROPN
fsr-3164	557	69	boomers	boomer	NOUN
fsr-3164	557	70	financial	financial	ADJ
fsr-3164	557	71	knowledge	knowledge	NOUN
fsr-3164	557	72	0.0432	0.0432	NUM
fsr-3164	557	73	0.0678	0.0678	NUM
fsr-3164	557	74	*	*	PUNCT
fsr-3164	557	75	*	*	PUNCT
fsr-3164	557	76	*	*	PUNCT
fsr-3164	557	77	0.0756	0.0756	NUM
fsr-3164	557	78	*	*	PUNCT
fsr-3164	557	79	*	*	PUNCT
fsr-3164	557	80	*	*	PUNCT
fsr-3164	557	81	0.0921	0.0921	NUM
fsr-3164	557	82	*	*	PUNCT
fsr-3164	557	83	*	*	PUNCT
fsr-3164	557	84	*	*	PUNCT
fsr-3164	557	85	(	(	PUNCT
fsr-3164	557	86	0.0293	0.0293	NUM
fsr-3164	557	87	)	)	PUNCT
fsr-3164	557	88	(	(	PUNCT
fsr-3164	557	89	0.0183	0.0183	NUM
fsr-3164	557	90	)	)	PUNCT
fsr-3164	557	91	(	(	PUNCT
fsr-3164	557	92	0.0117	0.0117	NUM
fsr-3164	557	93	)	)	PUNCT
fsr-3164	557	94	(	(	PUNCT
fsr-3164	557	95	0.0103	0.0103	NUM
fsr-3164	557	96	)	)	PUNCT
fsr-3164	557	97	financial	financial	ADJ
fsr-3164	557	98	confidence	confidence	NOUN
fsr-3164	557	99	0.136	0.136	NUM
fsr-3164	557	100	*	*	PUNCT
fsr-3164	557	101	*	*	PUNCT
fsr-3164	557	102	*	*	PUNCT
fsr-3164	557	103	0.172	0.172	NUM
fsr-3164	557	104	*	*	PUNCT
fsr-3164	557	105	*	*	PUNCT
fsr-3164	557	106	*	*	PUNCT
fsr-3164	557	107	0.156	0.156	NUM
fsr-3164	557	108	*	*	PUNCT
fsr-3164	557	109	*	*	PUNCT
fsr-3164	557	110	*	*	PUNCT
fsr-3164	557	111	0.145	0.145	NUM
fsr-3164	557	112	*	*	PUNCT
fsr-3164	557	113	*	*	PUNCT
fsr-3164	557	114	*	*	PUNCT
fsr-3164	557	115	(	(	PUNCT
fsr-3164	557	116	0.0381	0.0381	NUM
fsr-3164	557	117	)	)	PUNCT
fsr-3164	557	118	(	(	PUNCT
fsr-3164	557	119	0.0242	0.0242	NUM
fsr-3164	557	120	)	)	PUNCT
fsr-3164	557	121	(	(	PUNCT
fsr-3164	557	122	0.0129	0.0129	NUM
fsr-3164	557	123	)	)	PUNCT
fsr-3164	557	124	(	(	PUNCT
fsr-3164	557	125	0.0110	0.0110	NUM
fsr-3164	557	126	)	)	PUNCT
fsr-3164	557	127	financial	financial	ADJ
fsr-3164	557	128	knowledge*confidence	knowledge*confidence	NOUN
fsr-3164	557	129	0.0569	0.0569	NUM
fsr-3164	557	130	�	�	PROPN
fsr-3164	557	131	0.0420	0.0420	NUM
fsr-3164	557	132	0.0202	0.0202	NUM
fsr-3164	557	133	�	�	SYM
fsr-3164	557	134	0.000144	0.000144	NUM
fsr-3164	557	135	(	(	PUNCT
fsr-3164	557	136	0.0488	0.0488	NUM
fsr-3164	557	137	)	)	PUNCT
fsr-3164	557	138	(	(	PUNCT
fsr-3164	557	139	0.0309	0.0309	NUM
fsr-3164	557	140	)	)	PUNCT
fsr-3164	557	141	(	(	PUNCT
fsr-3164	557	142	0.0199	0.0199	NUM
fsr-3164	557	143	)	)	PUNCT
fsr-3164	557	144	(	(	PUNCT
fsr-3164	557	145	0.0154	0.0154	NUM
fsr-3164	557	146	)	)	PUNCT
fsr-3164	557	147	mobile	mobile	ADJ
fsr-3164	557	148	use	use	NOUN
fsr-3164	557	149	in	in	ADP
fsr-3164	557	150	person	person	NOUN
fsr-3164	557	151	0.00183	0.00183	NUM
fsr-3164	557	152	0.000929	0.000929	NUM
fsr-3164	557	153	�	�	NOUN
fsr-3164	557	154	0.00785	0.00785	NUM
fsr-3164	557	155	0.0187	0.0187	NUM
fsr-3164	557	156	(	(	PUNCT
fsr-3164	557	157	0.0250	0.0250	NUM
fsr-3164	557	158	)	)	PUNCT
fsr-3164	557	159	(	(	PUNCT
fsr-3164	557	160	0.0161	0.0161	NUM
fsr-3164	557	161	)	)	PUNCT
fsr-3164	557	162	(	(	PUNCT
fsr-3164	557	163	0.0105	0.0105	NUM
fsr-3164	557	164	)	)	PUNCT
fsr-3164	557	165	(	(	PUNCT
fsr-3164	557	166	0.0115	0.0115	NUM
fsr-3164	557	167	)	)	PUNCT
fsr-3164	557	168	mobile	mobile	ADJ
fsr-3164	557	169	use	use	NOUN
fsr-3164	557	170	for	for	ADP
fsr-3164	557	171	transfer	transfer	NOUN
fsr-3164	557	172	0.0527	0.0527	NUM
fsr-3164	557	173	*	*	PUNCT
fsr-3164	557	174	*	*	NOUN
fsr-3164	557	175	0.0418	0.0418	NUM
fsr-3164	557	176	*	*	PUNCT
fsr-3164	557	177	*	*	PUNCT
fsr-3164	557	178	0.00908	0.00908	NUM
fsr-3164	557	179	�	�	NOUN
fsr-3164	557	180	0.00765	0.00765	NUM
fsr-3164	557	181	(	(	PUNCT
fsr-3164	557	182	0.0262	0.0262	NUM
fsr-3164	557	183	)	)	PUNCT
fsr-3164	557	184	(	(	PUNCT
fsr-3164	557	185	0.0163	0.0163	NUM
fsr-3164	557	186	)	)	PUNCT
fsr-3164	557	187	(	(	PUNCT
fsr-3164	557	188	0.0104	0.0104	NUM
fsr-3164	557	189	)	)	PUNCT
fsr-3164	557	190	(	(	PUNCT
fsr-3164	557	191	0.0117	0.0117	NUM
fsr-3164	557	192	)	)	PUNCT
fsr-3164	557	193	web	web	NOUN
fsr-3164	557	194	and	and	CCONJ
fsr-3164	557	195	app	app	NOUN
fsr-3164	557	196	for	for	ADP
fsr-3164	557	197	personal	personal	ADJ
fsr-3164	557	198	use	use	NOUN
fsr-3164	557	199	0.0502	0.0502	PRON
fsr-3164	557	200	*	*	PUNCT
fsr-3164	557	201	*	*	PUNCT
fsr-3164	557	202	0.0603	0.0603	NUM
fsr-3164	557	203	*	*	PUNCT
fsr-3164	557	204	*	*	PUNCT
fsr-3164	557	205	*	*	PUNCT
fsr-3164	557	206	0.0574	0.0574	NUM
fsr-3164	557	207	*	*	PUNCT
fsr-3164	557	208	*	*	PUNCT
fsr-3164	557	209	*	*	PUNCT
fsr-3164	557	210	0.0134	0.0134	NUM
fsr-3164	557	211	(	(	PUNCT
fsr-3164	557	212	0.0246	0.0246	NUM
fsr-3164	557	213	)	)	PUNCT
fsr-3164	557	214	(	(	PUNCT
fsr-3164	557	215	0.0159	0.0159	NUM
fsr-3164	557	216	)	)	PUNCT
fsr-3164	557	217	(	(	PUNCT
fsr-3164	557	218	0.0101	0.0101	NUM
fsr-3164	557	219	)	)	PUNCT
fsr-3164	557	220	(	(	PUNCT
fsr-3164	557	221	0.00938	0.00938	NUM
fsr-3164	557	222	)	)	PUNCT
fsr-3164	557	223	web	web	NOUN
fsr-3164	557	224	and	and	CCONJ
fsr-3164	557	225	app	app	NOUN
fsr-3164	557	226	use	use	NOUN
fsr-3164	557	227	for	for	ADP
fsr-3164	557	228	work	work	NOUN
fsr-3164	557	229	0.0604	0.0604	NUM
fsr-3164	557	230	*	*	PUNCT
fsr-3164	557	231	*	*	PUNCT
fsr-3164	557	232	0.0165	0.0165	NUM
fsr-3164	557	233	0.0207	0.0207	NUM
fsr-3164	557	234	0.0191	0.0191	NUM
fsr-3164	557	235	(	(	PUNCT
fsr-3164	557	236	0.0270	0.0270	NUM
fsr-3164	557	237	)	)	PUNCT
fsr-3164	557	238	(	(	PUNCT
fsr-3164	557	239	0.0193	0.0193	NUM
fsr-3164	557	240	)	)	PUNCT
fsr-3164	557	241	(	(	PUNCT
fsr-3164	557	242	0.0150	0.0150	NUM
fsr-3164	557	243	)	)	PUNCT
fsr-3164	557	244	(	(	PUNCT
fsr-3164	557	245	0.0201	0.0201	NUM
fsr-3164	557	246	)	)	PUNCT
fsr-3164	557	247	pseudo	pseudo	NOUN
fsr-3164	557	248	r2	r2	NOUN
fsr-3164	557	249	0.229	0.229	NUM
fsr-3164	557	250	0.306	0.306	NUM
fsr-3164	557	251	0.335	0.335	NUM
fsr-3164	557	252	0.371	0.371	NUM
fsr-3164	557	253	observations	observation	NOUN
fsr-3164	557	254	1,326	1,326	NUM
fsr-3164	557	255	3,106	3,106	NUM
fsr-3164	557	256	6,849	6,849	NUM
fsr-3164	557	257	8,438	8,438	NUM
fsr-3164	557	258	note	note	NOUN
fsr-3164	557	259	.	.	PUNCT
fsr-3164	558	1	the	the	DET
fsr-3164	558	2	marginal	marginal	ADJ
fsr-3164	558	3	coefficients	coefficient	NOUN
fsr-3164	558	4	of	of	ADP
fsr-3164	558	5	other	other	ADJ
fsr-3164	558	6	control	control	NOUN
fsr-3164	558	7	variables	variable	NOUN
fsr-3164	558	8	(	(	PUNCT
fsr-3164	558	9	gender	gender	NOUN
fsr-3164	558	10	,	,	PUNCT
fsr-3164	558	11	education	education	NOUN
fsr-3164	558	12	level	level	NOUN
fsr-3164	558	13	,	,	PUNCT
fsr-3164	558	14	employment	employment	NOUN
fsr-3164	558	15	status	status	NOUN
fsr-3164	558	16	,	,	PUNCT
fsr-3164	558	17	marital	marital	ADJ
fsr-3164	558	18	status	status	NOUN
fsr-3164	558	19	,	,	PUNCT
fsr-3164	558	20	income	income	NOUN
fsr-3164	558	21	,	,	PUNCT
fsr-3164	558	22	race	race	NOUN
fsr-3164	558	23	,	,	PUNCT
fsr-3164	558	24	risk	risk	NOUN
fsr-3164	558	25	level	level	NOUN
fsr-3164	558	26	measures	measure	NOUN
fsr-3164	558	27	,	,	PUNCT
fsr-3164	558	28	and	and	CCONJ
fsr-3164	558	29	credit	credit	NOUN
fsr-3164	558	30	score	score	NOUN
fsr-3164	558	31	)	)	PUNCT
fsr-3164	558	32	are	be	AUX
fsr-3164	558	33	included	include	VERB
fsr-3164	558	34	in	in	ADP
fsr-3164	558	35	the	the	DET
fsr-3164	558	36	regression	regression	NOUN
fsr-3164	558	37	,	,	PUNCT
fsr-3164	558	38	not	not	PART
fsr-3164	558	39	reported	report	VERB
fsr-3164	558	40	here	here	ADV
fsr-3164	558	41	.	.	PUNCT
fsr-3164	559	1	standard	standard	ADJ
fsr-3164	559	2	errors	error	NOUN
fsr-3164	559	3	in	in	ADP
fsr-3164	559	4	parentheses	parenthesis	NOUN
fsr-3164	559	5	:	:	PUNCT
fsr-3164	559	6	*	*	PUNCT
fsr-3164	559	7	*	*	PUNCT
fsr-3164	559	8	*	*	PUNCT
fsr-3164	559	9	p	p	X
fsr-3164	559	10	<	<	X
fsr-3164	559	11	.01	.01	NUM
fsr-3164	559	12	,	,	PUNCT
fsr-3164	559	13	*	*	PUNCT
fsr-3164	559	14	*	*	PUNCT
fsr-3164	559	15	p	p	X
fsr-3164	559	16	<	<	X
fsr-3164	559	17	.05	.05	NUM
fsr-3164	559	18	,	,	PUNCT
fsr-3164	559	19	*	*	PUNCT
fsr-3164	559	20	p	p	X
fsr-3164	559	21	<	<	X
fsr-3164	559	22	.1	.1	NUM
fsr-3164	559	23	.	.	PUNCT
fsr-3164	560	1	290	290	NUM
fsr-3164	560	2	a.	a.	NOUN
fsr-3164	560	3	mussa	mussa	PROPN
fsr-3164	560	4	et	et	PROPN
fsr-3164	560	5	al	al	PROPN
fsr-3164	560	6	.	.	PUNCT
fsr-3164	560	7	/	/	SYM
fsr-3164	560	8	financial	financial	ADJ
fsr-3164	560	9	services	service	NOUN
fsr-3164	560	10	review	review	VERB
fsr-3164	560	11	30	30	NUM
fsr-3164	560	12	(	(	PUNCT
fsr-3164	560	13	2022	2022	NUM
fsr-3164	560	14	)	)	PUNCT
fsr-3164	561	1	273–296	273–296	NUM
fsr-3164	561	2	use	use	NOUN
fsr-3164	561	3	of	of	ADP
fsr-3164	561	4	web	web	NOUN
fsr-3164	561	5	and	and	CCONJ
fsr-3164	561	6	app	app	NOUN
fsr-3164	561	7	among	among	ADP
fsr-3164	561	8	gen	gen	PROPN
fsr-3164	561	9	y	y	PROPN
fsr-3164	561	10	,	,	PUNCT
fsr-3164	561	11	gen	gen	PROPN
fsr-3164	561	12	x	x	X
fsr-3164	561	13	,	,	PUNCT
fsr-3164	561	14	and	and	CCONJ
fsr-3164	561	15	baby	baby	NOUN
fsr-3164	561	16	boomers	boomer	NOUN
fsr-3164	561	17	tends	tend	VERB
fsr-3164	561	18	to	to	PART
fsr-3164	561	19	be	be	AUX
fsr-3164	561	20	more	more	ADV
fsr-3164	561	21	likely	likely	ADJ
fsr-3164	561	22	,	,	PUNCT
fsr-3164	561	23	compared	compare	VERB
fsr-3164	561	24	with	with	ADP
fsr-3164	561	25	gen	gen	PROPN
fsr-3164	561	26	z	z	PROPN
fsr-3164	561	27	,	,	PUNCT
fsr-3164	561	28	planning	plan	VERB
fsr-3164	561	29	for	for	ADP
fsr-3164	561	30	their	their	PRON
fsr-3164	561	31	retirement	retirement	NOUN
fsr-3164	561	32	and	and	CCONJ
fsr-3164	561	33	non	non	ADJ
fsr-3164	561	34	-	-	ADJ
fsr-3164	561	35	retirement	retirement	ADJ
fsr-3164	561	36	investments	investment	NOUN
fsr-3164	561	37	.	.	PUNCT
fsr-3164	562	1	as	as	ADP
fsr-3164	562	2	an	an	DET
fsr-3164	562	3	additional	additional	ADJ
fsr-3164	562	4	robustness	robustness	NOUN
fsr-3164	562	5	check	check	NOUN
fsr-3164	562	6	,	,	PUNCT
fsr-3164	562	7	we	we	PRON
fsr-3164	562	8	adopt	adopt	VERB
fsr-3164	562	9	a	a	DET
fsr-3164	562	10	stricter	strict	ADJ
fsr-3164	562	11	definition	definition	NOUN
fsr-3164	562	12	of	of	ADP
fsr-3164	562	13	the	the	DET
fsr-3164	562	14	variable	variable	ADJ
fsr-3164	562	15	tech	tech	NOUN
fsr-3164	562	16	-	-	PUNCT
fsr-3164	562	17	savvy	savvy	NOUN
fsr-3164	562	18	as	as	ADP
fsr-3164	562	19	individuals	individual	NOUN
fsr-3164	562	20	who	who	PRON
fsr-3164	562	21	affirmed	affirm	VERB
fsr-3164	562	22	at	at	ADV
fsr-3164	562	23	least	least	ADV
fsr-3164	562	24	three	three	NUM
fsr-3164	562	25	out	out	ADP
fsr-3164	562	26	of	of	ADP
fsr-3164	562	27	four	four	NUM
fsr-3164	562	28	questions	question	NOUN
fsr-3164	562	29	on	on	ADP
fsr-3164	562	30	using	use	VERB
fsr-3164	562	31	technology	technology	NOUN
fsr-3164	562	32	in	in	ADP
fsr-3164	562	33	personal	personal	ADJ
fsr-3164	562	34	finance	finance	NOUN
fsr-3164	562	35	matters	matter	NOUN
fsr-3164	562	36	.	.	PUNCT
fsr-3164	563	1	as	as	SCONJ
fsr-3164	563	2	indicated	indicate	VERB
fsr-3164	563	3	in	in	ADP
fsr-3164	563	4	appendix	appendix	ADJ
fsr-3164	563	5	table	table	NOUN
fsr-3164	563	6	t5	t5	PROPN
fsr-3164	563	7	,	,	PUNCT
fsr-3164	563	8	the	the	DET
fsr-3164	563	9	marginal	marginal	ADJ
fsr-3164	563	10	effect	effect	NOUN
fsr-3164	563	11	of	of	ADP
fsr-3164	563	12	being	be	AUX
fsr-3164	563	13	techsavvy	techsavvy	ADJ
fsr-3164	563	14	on	on	ADP
fsr-3164	563	15	overall	overall	ADJ
fsr-3164	563	16	short	short	ADJ
fsr-3164	563	17	-	-	PUNCT
fsr-3164	563	18	term	term	NOUN
fsr-3164	563	19	financial	financial	ADJ
fsr-3164	563	20	behavior	behavior	NOUN
fsr-3164	563	21	is	be	AUX
fsr-3164	563	22	consistently	consistently	ADV
fsr-3164	563	23	negative	negative	ADJ
fsr-3164	563	24	and	and	CCONJ
fsr-3164	563	25	significant	significant	ADJ
fsr-3164	563	26	.	.	PUNCT
fsr-3164	564	1	when	when	SCONJ
fsr-3164	564	2	using	use	VERB
fsr-3164	564	3	individual	individual	ADJ
fsr-3164	564	4	measures	measure	NOUN
fsr-3164	564	5	of	of	ADP
fsr-3164	564	6	short	short	ADJ
fsr-3164	564	7	-	-	PUNCT
fsr-3164	564	8	term	term	NOUN
fsr-3164	564	9	financial	financial	ADJ
fsr-3164	564	10	behavior	behavior	NOUN
fsr-3164	564	11	,	,	PUNCT
fsr-3164	564	12	the	the	DET
fsr-3164	564	13	marginal	marginal	ADJ
fsr-3164	564	14	effect	effect	NOUN
fsr-3164	564	15	of	of	ADP
fsr-3164	564	16	the	the	DET
fsr-3164	564	17	redefined	redefine	VERB
fsr-3164	564	18	variable	variable	ADJ
fsr-3164	564	19	tech	tech	NOUN
fsr-3164	564	20	-	-	PUNCT
fsr-3164	564	21	savvy	savvy	NOUN
fsr-3164	564	22	remains	remain	VERB
fsr-3164	564	23	dominantly	dominantly	ADV
fsr-3164	564	24	negative	negative	ADJ
fsr-3164	564	25	and	and	CCONJ
fsr-3164	564	26	significant	significant	ADJ
fsr-3164	564	27	on	on	ADP
fsr-3164	564	28	the	the	DET
fsr-3164	564	29	short	short	ADJ
fsr-3164	564	30	-	-	PUNCT
fsr-3164	564	31	term	term	NOUN
fsr-3164	564	32	financial	financial	ADJ
fsr-3164	564	33	behavior	behavior	NOUN
fsr-3164	564	34	of	of	ADP
fsr-3164	564	35	spending	spend	VERB
fsr-3164	564	36	less	less	ADV
fsr-3164	564	37	or	or	CCONJ
fsr-3164	564	38	equal	equal	ADJ
fsr-3164	564	39	to	to	ADP
fsr-3164	564	40	income	income	NOUN
fsr-3164	564	41	and	and	CCONJ
fsr-3164	564	42	not	not	PART
fsr-3164	564	43	overdrawing	overdraw	VERB
fsr-3164	564	44	the	the	DET
fsr-3164	564	45	account	account	NOUN
fsr-3164	564	46	,	,	PUNCT
fsr-3164	564	47	except	except	SCONJ
fsr-3164	564	48	for	for	ADP
fsr-3164	564	49	the	the	DET
fsr-3164	564	50	behavior	behavior	NOUN
fsr-3164	564	51	of	of	ADP
fsr-3164	564	52	paying	pay	VERB
fsr-3164	564	53	credit	credit	NOUN
fsr-3164	564	54	in	in	ADP
fsr-3164	564	55	full	full	ADJ
fsr-3164	564	56	.	.	PUNCT
fsr-3164	565	1	by	by	ADP
fsr-3164	565	2	the	the	DET
fsr-3164	565	3	same	same	ADJ
fsr-3164	565	4	token	token	NOUN
fsr-3164	565	5	,	,	PUNCT
fsr-3164	565	6	as	as	SCONJ
fsr-3164	565	7	indicated	indicate	VERB
fsr-3164	565	8	in	in	ADP
fsr-3164	565	9	appendix	appendix	ADJ
fsr-3164	565	10	table	table	NOUN
fsr-3164	565	11	t6	t6	PROPN
fsr-3164	565	12	,	,	PUNCT
fsr-3164	565	13	the	the	DET
fsr-3164	565	14	results	result	NOUN
fsr-3164	565	15	of	of	ADP
fsr-3164	565	16	the	the	DET
fsr-3164	565	17	logit	logit	PROPN
fsr-3164	565	18	regression	regression	NOUN
fsr-3164	565	19	on	on	ADP
fsr-3164	565	20	the	the	DET
fsr-3164	565	21	overall	overall	ADJ
fsr-3164	565	22	long	long	ADJ
fsr-3164	565	23	-	-	PUNCT
fsr-3164	565	24	term	term	NOUN
fsr-3164	565	25	financial	financial	ADJ
fsr-3164	565	26	behavior	behavior	NOUN
fsr-3164	565	27	demonstrate	demonstrate	VERB
fsr-3164	565	28	the	the	DET
fsr-3164	565	29	marginal	marginal	ADJ
fsr-3164	565	30	effect	effect	NOUN
fsr-3164	565	31	of	of	ADP
fsr-3164	565	32	the	the	DET
fsr-3164	565	33	more	more	ADV
fsr-3164	565	34	strictly	strictly	ADV
fsr-3164	565	35	defined	define	VERB
fsr-3164	565	36	variable	variable	ADJ
fsr-3164	565	37	tech	tech	NOUN
fsr-3164	565	38	-	-	PUNCT
fsr-3164	565	39	savvy	savvy	NOUN
fsr-3164	565	40	remains	remain	VERB
fsr-3164	565	41	positive	positive	ADJ
fsr-3164	565	42	and	and	CCONJ
fsr-3164	565	43	significant	significant	ADJ
fsr-3164	565	44	on	on	ADP
fsr-3164	565	45	the	the	DET
fsr-3164	565	46	long	long	ADJ
fsr-3164	565	47	-	-	PUNCT
fsr-3164	565	48	term	term	NOUN
fsr-3164	565	49	financial	financial	ADJ
fsr-3164	565	50	behavior	behavior	NOUN
fsr-3164	565	51	.	.	PUNCT
fsr-3164	566	1	additionally	additionally	ADV
fsr-3164	566	2	,	,	PUNCT
fsr-3164	566	3	the	the	DET
fsr-3164	566	4	positive	positive	ADJ
fsr-3164	566	5	marginal	marginal	ADJ
fsr-3164	566	6	effect	effect	NOUN
fsr-3164	566	7	of	of	ADP
fsr-3164	566	8	tech	tech	NOUN
fsr-3164	566	9	-	-	PUNCT
fsr-3164	566	10	savvy	savvy	NOUN
fsr-3164	566	11	stays	stay	VERB
fsr-3164	566	12	positive	positive	ADJ
fsr-3164	566	13	across	across	ADP
fsr-3164	566	14	each	each	DET
fsr-3164	566	15	individual	individual	ADJ
fsr-3164	566	16	measure	measure	NOUN
fsr-3164	566	17	of	of	ADP
fsr-3164	566	18	long	long	ADJ
fsr-3164	566	19	-	-	PUNCT
fsr-3164	566	20	term	term	NOUN
fsr-3164	566	21	financial	financial	ADJ
fsr-3164	566	22	behavior	behavior	NOUN
fsr-3164	566	23	.	.	PUNCT
fsr-3164	567	1	to	to	PART
fsr-3164	567	2	ensure	ensure	VERB
fsr-3164	567	3	tech	tech	NOUN
fsr-3164	567	4	-	-	PUNCT
fsr-3164	567	5	savvy	savvy	ADJ
fsr-3164	567	6	variable	variable	NOUN
fsr-3164	567	7	affects	affect	VERB
fsr-3164	567	8	financial	financial	ADJ
fsr-3164	567	9	behavior	behavior	NOUN
fsr-3164	567	10	regardless	regardless	ADV
fsr-3164	567	11	of	of	ADP
fsr-3164	567	12	how	how	SCONJ
fsr-3164	567	13	the	the	DET
fsr-3164	567	14	variable	variable	NOUN
fsr-3164	567	15	is	be	AUX
fsr-3164	567	16	defined	define	VERB
fsr-3164	567	17	,	,	PUNCT
fsr-3164	567	18	ordinary	ordinary	ADJ
fsr-3164	567	19	linear	linear	ADJ
fsr-3164	567	20	regression	regression	NOUN
fsr-3164	567	21	is	be	AUX
fsr-3164	567	22	reconsidered	reconsider	VERB
fsr-3164	567	23	.	.	PUNCT
fsr-3164	568	1	tech	tech	NOUN
fsr-3164	568	2	-	-	PUNCT
fsr-3164	568	3	savvy	savvy	ADJ
fsr-3164	568	4	variable	variable	NOUN
fsr-3164	568	5	is	be	AUX
fsr-3164	568	6	defined	define	VERB
fsr-3164	568	7	as	as	ADP
fsr-3164	568	8	a	a	DET
fsr-3164	568	9	continuous	continuous	ADJ
fsr-3164	568	10	variable	variable	NOUN
fsr-3164	568	11	,	,	PUNCT
fsr-3164	568	12	(	(	PUNCT
fsr-3164	568	13	ranging	range	VERB
fsr-3164	568	14	from	from	ADP
fsr-3164	568	15	0	0	NUM
fsr-3164	568	16	to	to	ADP
fsr-3164	568	17	4	4	NUM
fsr-3164	568	18	,	,	PUNCT
fsr-3164	568	19	with	with	ADP
fsr-3164	568	20	0	0	NUM
fsr-3164	568	21	being	be	AUX
fsr-3164	568	22	not	not	PART
fsr-3164	568	23	tech	tech	NOUN
fsr-3164	568	24	-	-	PUNCT
fsr-3164	568	25	savvy	savvy	ADJ
fsr-3164	568	26	at	at	ADV
fsr-3164	568	27	all	all	ADV
fsr-3164	568	28	,	,	PUNCT
fsr-3164	568	29	and	and	CCONJ
fsr-3164	568	30	4	4	NUM
fsr-3164	568	31	being	be	AUX
fsr-3164	568	32	the	the	DET
fsr-3164	568	33	most	most	ADV
fsr-3164	568	34	tech	tech	NOUN
fsr-3164	568	35	-	-	PUNCT
fsr-3164	568	36	savvy	savvy	NOUN
fsr-3164	568	37	)	)	PUNCT
fsr-3164	568	38	,	,	PUNCT
fsr-3164	568	39	instead	instead	ADV
fsr-3164	568	40	of	of	ADP
fsr-3164	568	41	a	a	DET
fsr-3164	568	42	binary	binary	ADJ
fsr-3164	568	43	variable	variable	NOUN
fsr-3164	568	44	.	.	PUNCT
fsr-3164	569	1	for	for	ADP
fsr-3164	569	2	interpretation	interpretation	NOUN
fsr-3164	569	3	purposes	purpose	NOUN
fsr-3164	569	4	,	,	PUNCT
fsr-3164	569	5	the	the	DET
fsr-3164	569	6	value	value	NOUN
fsr-3164	569	7	of	of	ADP
fsr-3164	569	8	techsavvy	techsavvy	NOUN
fsr-3164	569	9	is	be	AUX
fsr-3164	569	10	standardized	standardize	VERB
fsr-3164	569	11	in	in	ADP
fsr-3164	569	12	the	the	DET
fsr-3164	569	13	regression	regression	NOUN
fsr-3164	569	14	.	.	PUNCT
fsr-3164	570	1	as	as	SCONJ
fsr-3164	570	2	indicated	indicate	VERB
fsr-3164	570	3	in	in	ADP
fsr-3164	570	4	appendix	appendix	ADJ
fsr-3164	570	5	table	table	NOUN
fsr-3164	570	6	t7	t7	PROPN
fsr-3164	570	7	,	,	PUNCT
fsr-3164	570	8	the	the	DET
fsr-3164	570	9	regression	regression	NOUN
fsr-3164	570	10	results	result	NOUN
fsr-3164	570	11	demonstrate	demonstrate	VERB
fsr-3164	570	12	a	a	DET
fsr-3164	570	13	consistent	consistent	ADJ
fsr-3164	570	14	finding	finding	NOUN
fsr-3164	570	15	:	:	PUNCT
fsr-3164	570	16	the	the	DET
fsr-3164	570	17	variable	variable	ADJ
fsr-3164	570	18	tech	tech	NOUN
fsr-3164	570	19	-	-	PUNCT
fsr-3164	570	20	savvy	savvy	NOUN
fsr-3164	570	21	is	be	AUX
fsr-3164	570	22	negatively	negatively	ADV
fsr-3164	570	23	and	and	CCONJ
fsr-3164	570	24	significantly	significantly	ADV
fsr-3164	570	25	related	relate	VERB
fsr-3164	570	26	to	to	ADP
fsr-3164	570	27	short	short	ADJ
fsr-3164	570	28	-	-	PUNCT
fsr-3164	570	29	term	term	NOUN
fsr-3164	570	30	financial	financial	ADJ
fsr-3164	570	31	behavior	behavior	NOUN
fsr-3164	570	32	across	across	ADP
fsr-3164	570	33	the	the	DET
fsr-3164	570	34	regressions	regression	NOUN
fsr-3164	570	35	of	of	ADP
fsr-3164	570	36	using	use	VERB
fsr-3164	570	37	overall	overall	ADJ
fsr-3164	570	38	or	or	CCONJ
fsr-3164	570	39	individual	individual	ADJ
fsr-3164	570	40	measures	measure	NOUN
fsr-3164	570	41	,	,	PUNCT
fsr-3164	570	42	echoing	echo	VERB
fsr-3164	570	43	previous	previous	ADJ
fsr-3164	570	44	results	result	NOUN
fsr-3164	570	45	.	.	PUNCT
fsr-3164	571	1	the	the	DET
fsr-3164	571	2	results	result	NOUN
fsr-3164	571	3	in	in	ADP
fsr-3164	571	4	appendix	appendix	ADJ
fsr-3164	571	5	table	table	NOUN
fsr-3164	571	6	t8	t8	NOUN
fsr-3164	571	7	show	show	NOUN
fsr-3164	571	8	techsavvy	techsavvy	NOUN
fsr-3164	571	9	is	be	AUX
fsr-3164	571	10	positively	positively	ADV
fsr-3164	571	11	and	and	CCONJ
fsr-3164	571	12	significantly	significantly	ADV
fsr-3164	571	13	related	relate	VERB
fsr-3164	571	14	to	to	ADP
fsr-3164	571	15	positive	positive	ADJ
fsr-3164	571	16	long	long	ADJ
fsr-3164	571	17	-	-	PUNCT
fsr-3164	571	18	term	term	NOUN
fsr-3164	571	19	financial	financial	ADJ
fsr-3164	571	20	behavior	behavior	NOUN
fsr-3164	571	21	across	across	ADP
fsr-3164	571	22	the	the	DET
fsr-3164	571	23	overall	overall	ADJ
fsr-3164	571	24	and	and	CCONJ
fsr-3164	571	25	individual	individual	ADJ
fsr-3164	571	26	measures	measure	NOUN
fsr-3164	571	27	,	,	PUNCT
fsr-3164	571	28	except	except	SCONJ
fsr-3164	571	29	for	for	ADP
fsr-3164	571	30	having	have	VERB
fsr-3164	571	31	an	an	DET
fsr-3164	571	32	emergency	emergency	NOUN
fsr-3164	571	33	fund	fund	NOUN
fsr-3164	571	34	.	.	PUNCT
fsr-3164	572	1	to	to	PART
fsr-3164	572	2	further	far	ADV
fsr-3164	572	3	investigate	investigate	VERB
fsr-3164	572	4	the	the	DET
fsr-3164	572	5	tangible	tangible	ADJ
fsr-3164	572	6	impact	impact	NOUN
fsr-3164	572	7	of	of	ADP
fsr-3164	572	8	tech	tech	NOUN
fsr-3164	572	9	-	-	PUNCT
fsr-3164	572	10	savvy	savvy	ADJ
fsr-3164	572	11	on	on	ADP
fsr-3164	572	12	individuals	individual	NOUN
fsr-3164	572	13	engaging	engage	VERB
fsr-3164	572	14	in	in	ADP
fsr-3164	572	15	different	different	ADJ
fsr-3164	572	16	levels	level	NOUN
fsr-3164	572	17	of	of	ADP
fsr-3164	572	18	good	good	ADJ
fsr-3164	572	19	short	short	ADJ
fsr-3164	572	20	-	-	PUNCT
fsr-3164	572	21	term	term	NOUN
fsr-3164	572	22	financial	financial	ADJ
fsr-3164	572	23	behavior	behavior	NOUN
fsr-3164	572	24	,	,	PUNCT
fsr-3164	572	25	we	we	PRON
fsr-3164	572	26	adopt	adopt	VERB
fsr-3164	572	27	an	an	DET
fsr-3164	572	28	ordered	order	VERB
fsr-3164	572	29	logit	logit	NOUN
fsr-3164	572	30	model	model	NOUN
fsr-3164	572	31	.	.	PUNCT
fsr-3164	573	1	as	as	SCONJ
fsr-3164	573	2	indicated	indicate	VERB
fsr-3164	573	3	in	in	ADP
fsr-3164	573	4	appendix	appendix	ADJ
fsr-3164	573	5	table	table	NOUN
fsr-3164	573	6	t9	t9	PROPN
fsr-3164	573	7	in	in	ADP
fsr-3164	573	8	the	the	DET
fsr-3164	573	9	appendix	appendix	NOUN
fsr-3164	573	10	,	,	PUNCT
fsr-3164	573	11	consistent	consistent	ADJ
fsr-3164	573	12	with	with	ADP
fsr-3164	573	13	the	the	DET
fsr-3164	573	14	earlier	early	ADJ
fsr-3164	573	15	results	result	NOUN
fsr-3164	573	16	,	,	PUNCT
fsr-3164	573	17	the	the	DET
fsr-3164	573	18	net	net	ADJ
fsr-3164	573	19	marginal	marginal	ADJ
fsr-3164	573	20	effects	effect	NOUN
fsr-3164	573	21	show	show	VERB
fsr-3164	573	22	that	that	SCONJ
fsr-3164	573	23	,	,	PUNCT
fsr-3164	573	24	on	on	ADP
fsr-3164	573	25	average	average	ADJ
fsr-3164	573	26	,	,	PUNCT
fsr-3164	573	27	the	the	DET
fsr-3164	573	28	most	most	ADV
fsr-3164	573	29	tech	tech	NOUN
fsr-3164	573	30	-	-	PUNCT
fsr-3164	573	31	savvy	savvy	ADJ
fsr-3164	573	32	individuals	individual	NOUN
fsr-3164	573	33	are	be	AUX
fsr-3164	573	34	4.8	4.8	NUM
fsr-3164	573	35	%	%	NOUN
fsr-3164	573	36	(	(	PUNCT
fsr-3164	573	37	0.0198	0.0198	NUM
fsr-3164	573	38	–	–	PUNCT
fsr-3164	573	39	0.0681	0.0681	NUM
fsr-3164	573	40	)	)	PUNCT
fsr-3164	573	41	more	more	ADV
fsr-3164	573	42	likely	likely	ADJ
fsr-3164	573	43	,	,	PUNCT
fsr-3164	573	44	than	than	ADP
fsr-3164	573	45	non	non	ADJ
fsr-3164	573	46	-	-	ADJ
fsr-3164	573	47	tech	tech	ADJ
fsr-3164	573	48	–	–	PUNCT
fsr-3164	573	49	savvy	savvy	ADJ
fsr-3164	573	50	individuals	individual	NOUN
fsr-3164	573	51	,	,	PUNCT
fsr-3164	573	52	to	to	PART
fsr-3164	573	53	engage	engage	VERB
fsr-3164	573	54	in	in	ADP
fsr-3164	573	55	adverse	adverse	ADJ
fsr-3164	573	56	short	short	ADJ
fsr-3164	573	57	-	-	PUNCT
fsr-3164	573	58	term	term	NOUN
fsr-3164	573	59	financial	financial	ADJ
fsr-3164	573	60	behavior	behavior	NOUN
fsr-3164	573	61	.	.	PUNCT
fsr-3164	574	1	similarly	similarly	ADV
fsr-3164	574	2	,	,	PUNCT
fsr-3164	574	3	on	on	ADP
fsr-3164	574	4	average	average	ADJ
fsr-3164	574	5	,	,	PUNCT
fsr-3164	574	6	the	the	DET
fsr-3164	574	7	most	most	ADV
fsr-3164	574	8	tech	tech	NOUN
fsr-3164	574	9	-	-	PUNCT
fsr-3164	574	10	savvy	savvy	ADJ
fsr-3164	574	11	individuals	individual	NOUN
fsr-3164	574	12	are	be	AUX
fsr-3164	574	13	1.1	1.1	NUM
fsr-3164	574	14	%	%	NOUN
fsr-3164	574	15	(	(	PUNCT
fsr-3164	574	16	�	�	NOUN
fsr-3164	574	17	0.0302	0.0302	NUM
fsr-3164	574	18	+	+	CCONJ
fsr-3164	574	19	0.0196	0.0196	NUM
fsr-3164	574	20	)	)	PUNCT
fsr-3164	574	21	more	more	ADV
fsr-3164	574	22	likely	likely	ADJ
fsr-3164	574	23	to	to	PART
fsr-3164	574	24	engage	engage	VERB
fsr-3164	574	25	in	in	ADP
fsr-3164	574	26	good	good	ADJ
fsr-3164	574	27	long	long	ADJ
fsr-3164	574	28	-	-	PUNCT
fsr-3164	574	29	term	term	NOUN
fsr-3164	574	30	financial	financial	ADJ
fsr-3164	574	31	behavior	behavior	NOUN
fsr-3164	574	32	.	.	PUNCT
fsr-3164	575	1	second	second	ADJ
fsr-3164	575	2	,	,	PUNCT
fsr-3164	575	3	we	we	PRON
fsr-3164	575	4	redefined	redefine	VERB
fsr-3164	575	5	the	the	DET
fsr-3164	575	6	dependent	dependent	ADJ
fsr-3164	575	7	variables	variable	NOUN
fsr-3164	575	8	—	—	PUNCT
fsr-3164	575	9	both	both	CCONJ
fsr-3164	575	10	short	short	ADJ
fsr-3164	575	11	-	-	PUNCT
fsr-3164	575	12	term	term	NOUN
fsr-3164	575	13	and	and	CCONJ
fsr-3164	575	14	long	long	ADJ
fsr-3164	575	15	-	-	PUNCT
fsr-3164	575	16	term	term	NOUN
fsr-3164	575	17	behavior	behavior	NOUN
fsr-3164	575	18	as	as	ADP
fsr-3164	575	19	an	an	DET
fsr-3164	575	20	additional	additional	ADJ
fsr-3164	575	21	robustness	robustness	NOUN
fsr-3164	575	22	check	check	NOUN
fsr-3164	575	23	.	.	PUNCT
fsr-3164	576	1	while	while	SCONJ
fsr-3164	576	2	we	we	PRON
fsr-3164	576	3	adopt	adopt	VERB
fsr-3164	576	4	a	a	DET
fsr-3164	576	5	loosened	loosen	VERB
fsr-3164	576	6	criterion	criterion	NOUN
fsr-3164	576	7	to	to	PART
fsr-3164	576	8	examine	examine	VERB
fsr-3164	576	9	individuals	individual	NOUN
fsr-3164	576	10	with	with	ADP
fsr-3164	576	11	at	at	ADV
fsr-3164	576	12	least	least	ADV
fsr-3164	576	13	two	two	NUM
fsr-3164	576	14	out	out	ADP
fsr-3164	576	15	of	of	ADP
fsr-3164	576	16	three	three	NUM
fsr-3164	576	17	positive	positive	ADJ
fsr-3164	576	18	short	short	ADJ
fsr-3164	576	19	-	-	PUNCT
fsr-3164	576	20	term	term	NOUN
fsr-3164	576	21	financial	financial	ADJ
fsr-3164	576	22	behaviors	behavior	NOUN
fsr-3164	576	23	,	,	PUNCT
fsr-3164	576	24	the	the	DET
fsr-3164	576	25	variable	variable	ADJ
fsr-3164	576	26	tech	tech	NOUN
fsr-3164	576	27	-	-	PUNCT
fsr-3164	576	28	savvy	savvy	NOUN
fsr-3164	576	29	is	be	AUX
fsr-3164	576	30	negatively	negatively	ADV
fsr-3164	576	31	and	and	CCONJ
fsr-3164	576	32	significantly	significantly	ADV
fsr-3164	576	33	associated	associate	VERB
fsr-3164	576	34	with	with	ADP
fsr-3164	576	35	short	short	ADJ
fsr-3164	576	36	-	-	PUNCT
fsr-3164	576	37	term	term	NOUN
fsr-3164	576	38	financial	financial	ADJ
fsr-3164	576	39	behavior	behavior	NOUN
fsr-3164	576	40	(	(	PUNCT
fsr-3164	576	41	results	result	NOUN
fsr-3164	576	42	available	available	ADJ
fsr-3164	576	43	upon	upon	SCONJ
fsr-3164	576	44	request	request	NOUN
fsr-3164	576	45	)	)	PUNCT
fsr-3164	576	46	,	,	PUNCT
fsr-3164	576	47	which	which	PRON
fsr-3164	576	48	is	be	AUX
fsr-3164	576	49	consistent	consistent	ADJ
fsr-3164	576	50	with	with	ADP
fsr-3164	576	51	our	our	PRON
fsr-3164	576	52	previous	previous	ADJ
fsr-3164	576	53	findings	finding	NOUN
fsr-3164	576	54	.	.	PUNCT
fsr-3164	577	1	additionally	additionally	ADV
fsr-3164	577	2	,	,	PUNCT
fsr-3164	577	3	the	the	DET
fsr-3164	577	4	negative	negative	ADJ
fsr-3164	577	5	impact	impact	NOUN
fsr-3164	577	6	of	of	ADP
fsr-3164	577	7	being	be	AUX
fsr-3164	577	8	tech	tech	NOUN
fsr-3164	577	9	-	-	PUNCT
fsr-3164	577	10	savvy	savvy	NOUN
fsr-3164	577	11	seems	seem	VERB
fsr-3164	577	12	to	to	PART
fsr-3164	577	13	be	be	AUX
fsr-3164	577	14	smaller	small	ADJ
fsr-3164	577	15	(	(	PUNCT
fsr-3164	577	16	�	�	PROPN
fsr-3164	577	17	0.045	0.045	NUM
fsr-3164	577	18	vs.	vs.	ADP
fsr-3164	577	19	�	�	PROPN
fsr-3164	577	20	0.064	0.064	NUM
fsr-3164	577	21	)	)	PUNCT
fsr-3164	577	22	when	when	SCONJ
fsr-3164	577	23	individuals	individual	NOUN
fsr-3164	577	24	engage	engage	VERB
fsr-3164	577	25	in	in	ADP
fsr-3164	577	26	fewer	few	ADJ
fsr-3164	577	27	good	good	ADJ
fsr-3164	577	28	short	short	ADJ
fsr-3164	577	29	-	-	PUNCT
fsr-3164	577	30	term	term	NOUN
fsr-3164	577	31	financial	financial	ADJ
fsr-3164	577	32	behaviors	behavior	NOUN
fsr-3164	577	33	.	.	PUNCT
fsr-3164	578	1	similarly	similarly	ADV
fsr-3164	578	2	,	,	PUNCT
fsr-3164	578	3	the	the	DET
fsr-3164	578	4	binary	binary	ADJ
fsr-3164	578	5	variable	variable	NOUN
fsr-3164	578	6	of	of	ADP
fsr-3164	578	7	long	long	ADJ
fsr-3164	578	8	-	-	PUNCT
fsr-3164	578	9	term	term	NOUN
fsr-3164	578	10	financial	financial	ADJ
fsr-3164	578	11	behavior	behavior	NOUN
fsr-3164	578	12	is	be	AUX
fsr-3164	578	13	redefined	redefine	VERB
fsr-3164	578	14	as	as	ADP
fsr-3164	578	15	individuals	individual	NOUN
fsr-3164	578	16	with	with	ADP
fsr-3164	578	17	at	at	ADV
fsr-3164	578	18	least	least	ADV
fsr-3164	578	19	four	four	NUM
fsr-3164	578	20	out	out	ADP
fsr-3164	578	21	of	of	ADP
fsr-3164	578	22	five	five	NUM
fsr-3164	578	23	good	good	ADJ
fsr-3164	578	24	long	long	ADJ
fsr-3164	578	25	-	-	PUNCT
fsr-3164	578	26	term	term	NOUN
fsr-3164	578	27	financial	financial	ADJ
fsr-3164	578	28	behaviors	behavior	NOUN
fsr-3164	578	29	,	,	PUNCT
fsr-3164	578	30	compared	compare	VERB
fsr-3164	578	31	with	with	ADP
fsr-3164	578	32	the	the	DET
fsr-3164	578	33	previous	previous	ADJ
fsr-3164	578	34	definition	definition	NOUN
fsr-3164	578	35	of	of	ADP
fsr-3164	578	36	at	at	ADV
fsr-3164	578	37	least	least	ADV
fsr-3164	578	38	three	three	NUM
fsr-3164	578	39	good	good	ADJ
fsr-3164	578	40	long	long	ADJ
fsr-3164	578	41	-	-	PUNCT
fsr-3164	578	42	term	term	NOUN
fsr-3164	578	43	financial	financial	ADJ
fsr-3164	578	44	behaviors	behavior	NOUN
fsr-3164	578	45	.	.	PUNCT
fsr-3164	579	1	again	again	ADV
fsr-3164	579	2	,	,	PUNCT
fsr-3164	579	3	the	the	DET
fsr-3164	579	4	logit	logit	PROPN
fsr-3164	579	5	regression	regression	NOUN
fsr-3164	579	6	of	of	ADP
fsr-3164	579	7	redefined	redefine	VERB
fsr-3164	579	8	long	long	ADJ
fsr-3164	579	9	-	-	PUNCT
fsr-3164	579	10	term	term	NOUN
fsr-3164	579	11	financial	financial	ADJ
fsr-3164	579	12	behavior	behavior	NOUN
fsr-3164	579	13	indicates	indicate	VERB
fsr-3164	579	14	the	the	DET
fsr-3164	579	15	variable	variable	ADJ
fsr-3164	579	16	tech	tech	NOUN
fsr-3164	579	17	-	-	PUNCT
fsr-3164	579	18	savvy	savvy	NOUN
fsr-3164	579	19	shows	show	VERB
fsr-3164	579	20	a	a	DET
fsr-3164	579	21	positive	positive	ADJ
fsr-3164	579	22	and	and	CCONJ
fsr-3164	579	23	significant	significant	ADJ
fsr-3164	579	24	impact	impact	NOUN
fsr-3164	579	25	on	on	ADP
fsr-3164	579	26	the	the	DET
fsr-3164	579	27	long	long	ADJ
fsr-3164	579	28	-	-	PUNCT
fsr-3164	579	29	term	term	NOUN
fsr-3164	579	30	financial	financial	ADJ
fsr-3164	579	31	behavior	behavior	NOUN
fsr-3164	579	32	(	(	PUNCT
fsr-3164	579	33	0.0151	0.0151	NUM
fsr-3164	579	34	vs.	vs.	ADP
fsr-3164	579	35	0.0258	0.0258	NUM
fsr-3164	579	36	)	)	PUNCT
fsr-3164	579	37	,	,	PUNCT
fsr-3164	579	38	which	which	PRON
fsr-3164	579	39	is	be	AUX
fsr-3164	579	40	consistent	consistent	ADJ
fsr-3164	579	41	with	with	ADP
fsr-3164	579	42	previous	previous	ADJ
fsr-3164	579	43	findings	finding	NOUN
fsr-3164	579	44	.	.	PUNCT
fsr-3164	580	1	a.	a.	PROPN
fsr-3164	580	2	mussa	mussa	PROPN
fsr-3164	580	3	et	et	PROPN
fsr-3164	580	4	al	al	PROPN
fsr-3164	580	5	.	.	PUNCT
fsr-3164	580	6	/	/	SYM
fsr-3164	580	7	financial	financial	ADJ
fsr-3164	580	8	services	service	NOUN
fsr-3164	580	9	review	review	VERB
fsr-3164	580	10	30	30	NUM
fsr-3164	580	11	(	(	PUNCT
fsr-3164	580	12	2022	2022	NUM
fsr-3164	580	13	)	)	PUNCT
fsr-3164	581	1	273–296	273–296	NUM
fsr-3164	581	2	291	291	NUM
fsr-3164	581	3	third	third	ADJ
fsr-3164	581	4	,	,	PUNCT
fsr-3164	581	5	we	we	PRON
fsr-3164	581	6	address	address	VERB
fsr-3164	581	7	the	the	DET
fsr-3164	581	8	concern	concern	NOUN
fsr-3164	581	9	of	of	ADP
fsr-3164	581	10	the	the	DET
fsr-3164	581	11	potential	potential	ADJ
fsr-3164	581	12	endogeneity	endogeneity	NOUN
fsr-3164	581	13	of	of	ADP
fsr-3164	581	14	financial	financial	ADJ
fsr-3164	581	15	literacy	literacy	NOUN
fsr-3164	581	16	as	as	ADP
fsr-3164	581	17	a	a	DET
fsr-3164	581	18	control	control	NOUN
fsr-3164	581	19	variable	variable	NOUN
fsr-3164	581	20	in	in	ADP
fsr-3164	581	21	financial	financial	ADJ
fsr-3164	581	22	behavior	behavior	NOUN
fsr-3164	581	23	regression	regression	NOUN
fsr-3164	581	24	(	(	PUNCT
fsr-3164	581	25	lusardi	lusardi	PROPN
fsr-3164	581	26	&	&	CCONJ
fsr-3164	581	27	mitchell	mitchell	PROPN
fsr-3164	581	28	,	,	PUNCT
fsr-3164	581	29	2014	2014	NUM
fsr-3164	581	30	;	;	PUNCT
fsr-3164	581	31	van	van	PROPN
fsr-3164	581	32	rooij	rooij	NOUN
fsr-3164	581	33	et	et	PROPN
fsr-3164	581	34	al	al	PROPN
fsr-3164	581	35	.	.	PROPN
fsr-3164	581	36	,	,	PUNCT
fsr-3164	581	37	2009	2009	NUM
fsr-3164	581	38	):	):	PUNCT
fsr-3164	581	39	financial	financial	ADJ
fsr-3164	581	40	knowledge	knowledge	NOUN
fsr-3164	581	41	may	may	AUX
fsr-3164	581	42	predict	predict	VERB
fsr-3164	581	43	financial	financial	ADJ
fsr-3164	581	44	behavior	behavior	NOUN
fsr-3164	581	45	,	,	PUNCT
fsr-3164	581	46	and	and	CCONJ
fsr-3164	581	47	financial	financial	ADJ
fsr-3164	581	48	behavior	behavior	NOUN
fsr-3164	581	49	may	may	AUX
fsr-3164	581	50	also	also	ADV
fsr-3164	581	51	predict	predict	VERB
fsr-3164	581	52	financial	financial	ADJ
fsr-3164	581	53	literacy	literacy	NOUN
fsr-3164	581	54	or	or	CCONJ
fsr-3164	581	55	knowledge	knowledge	NOUN
fsr-3164	581	56	.	.	PUNCT
fsr-3164	582	1	given	give	VERB
fsr-3164	582	2	the	the	DET
fsr-3164	582	3	limitation	limitation	NOUN
fsr-3164	582	4	of	of	ADP
fsr-3164	582	5	the	the	DET
fsr-3164	582	6	nfcs	nfc	NOUN
fsr-3164	582	7	dataset	dataset	NOUN
fsr-3164	582	8	,	,	PUNCT
fsr-3164	582	9	it	it	PRON
fsr-3164	582	10	is	be	AUX
fsr-3164	582	11	difficult	difficult	ADJ
fsr-3164	582	12	to	to	PART
fsr-3164	582	13	do	do	VERB
fsr-3164	582	14	two	two	NUM
fsr-3164	582	15	-	-	PUNCT
fsr-3164	582	16	stage	stage	NOUN
fsr-3164	582	17	regressions	regression	NOUN
fsr-3164	582	18	with	with	ADP
fsr-3164	582	19	the	the	DET
fsr-3164	582	20	instruments	instrument	NOUN
fsr-3164	582	21	as	as	ADP
fsr-3164	582	22	in	in	ADP
fsr-3164	582	23	the	the	DET
fsr-3164	582	24	previous	previous	ADJ
fsr-3164	582	25	literature	literature	NOUN
fsr-3164	582	26	(	(	PUNCT
fsr-3164	582	27	lusardi	lusardi	PROPN
fsr-3164	582	28	&	&	CCONJ
fsr-3164	582	29	mitchell	mitchell	PROPN
fsr-3164	582	30	,	,	PUNCT
fsr-3164	582	31	2014	2014	NUM
fsr-3164	582	32	)	)	PUNCT
fsr-3164	582	33	.	.	PUNCT
fsr-3164	583	1	however	however	ADV
fsr-3164	583	2	,	,	PUNCT
fsr-3164	583	3	as	as	ADP
fsr-3164	583	4	wagner	wagner	PROPN
fsr-3164	583	5	and	and	CCONJ
fsr-3164	583	6	walstad	walstad	PROPN
fsr-3164	583	7	(	(	PUNCT
fsr-3164	583	8	2019	2019	NUM
fsr-3164	583	9	)	)	PUNCT
fsr-3164	583	10	,	,	PUNCT
fsr-3164	583	11	we	we	PRON
fsr-3164	583	12	estimated	estimate	VERB
fsr-3164	583	13	both	both	CCONJ
fsr-3164	583	14	the	the	DET
fsr-3164	583	15	short	short	ADJ
fsr-3164	583	16	-	-	PUNCT
fsr-3164	583	17	term	term	NOUN
fsr-3164	583	18	and	and	CCONJ
fsr-3164	583	19	long	long	ADJ
fsr-3164	583	20	-	-	PUNCT
fsr-3164	583	21	term	term	NOUN
fsr-3164	583	22	financial	financial	ADJ
fsr-3164	583	23	behavior	behavior	NOUN
fsr-3164	583	24	models	model	NOUN
fsr-3164	583	25	with	with	ADP
fsr-3164	583	26	and	and	CCONJ
fsr-3164	583	27	without	without	ADP
fsr-3164	583	28	financial	financial	ADJ
fsr-3164	583	29	education	education	NOUN
fsr-3164	583	30	variables	variable	NOUN
fsr-3164	583	31	.	.	PUNCT
fsr-3164	584	1	the	the	DET
fsr-3164	584	2	marginal	marginal	ADJ
fsr-3164	584	3	effects	effect	NOUN
fsr-3164	584	4	of	of	ADP
fsr-3164	584	5	our	our	PRON
fsr-3164	584	6	main	main	ADJ
fsr-3164	584	7	variable	variable	NOUN
fsr-3164	584	8	of	of	ADP
fsr-3164	584	9	interest	interest	NOUN
fsr-3164	584	10	—	—	PUNCT
fsr-3164	584	11	tech	tech	NOUN
fsr-3164	584	12	-	-	PUNCT
fsr-3164	584	13	savvy	savvy	NOUN
fsr-3164	584	14	—	—	PUNCT
fsr-3164	584	15	do	do	AUX
fsr-3164	584	16	not	not	PART
fsr-3164	584	17	change	change	VERB
fsr-3164	584	18	both	both	CCONJ
fsr-3164	584	19	statistically	statistically	ADV
fsr-3164	584	20	and	and	CCONJ
fsr-3164	584	21	economically	economically	ADV
fsr-3164	584	22	.	.	PUNCT
fsr-3164	585	1	as	as	SCONJ
fsr-3164	585	2	shown	show	VERB
fsr-3164	585	3	in	in	ADP
fsr-3164	585	4	appendix	appendix	ADJ
fsr-3164	585	5	table	table	NOUN
fsr-3164	585	6	t10	t10	NOUN
fsr-3164	585	7	,	,	PUNCT
fsr-3164	585	8	the	the	DET
fsr-3164	585	9	marginal	marginal	ADJ
fsr-3164	585	10	effect	effect	NOUN
fsr-3164	585	11	of	of	ADP
fsr-3164	585	12	being	be	AUX
fsr-3164	585	13	tech	tech	NOUN
fsr-3164	585	14	-	-	PUNCT
fsr-3164	585	15	savvy	savvy	ADJ
fsr-3164	585	16	on	on	ADP
fsr-3164	585	17	the	the	DET
fsr-3164	585	18	overall	overall	ADJ
fsr-3164	585	19	short	short	ADJ
fsr-3164	585	20	-	-	PUNCT
fsr-3164	585	21	term	term	NOUN
fsr-3164	585	22	financial	financial	ADJ
fsr-3164	585	23	behavior	behavior	NOUN
fsr-3164	585	24	is	be	AUX
fsr-3164	585	25	consistently	consistently	ADV
fsr-3164	585	26	negative	negative	ADJ
fsr-3164	585	27	and	and	CCONJ
fsr-3164	585	28	significant	significant	ADJ
fsr-3164	585	29	before	before	ADV
fsr-3164	585	30	and	and	CCONJ
fsr-3164	585	31	after	after	ADP
fsr-3164	585	32	controlling	control	VERB
fsr-3164	585	33	for	for	ADP
fsr-3164	585	34	financial	financial	ADJ
fsr-3164	585	35	education	education	NOUN
fsr-3164	585	36	and/or	and/or	CCONJ
fsr-3164	585	37	financial	financial	ADJ
fsr-3164	585	38	confidence	confidence	NOUN
fsr-3164	585	39	variables	variable	NOUN
fsr-3164	585	40	.	.	PUNCT
fsr-3164	586	1	similarly	similarly	ADV
fsr-3164	586	2	,	,	PUNCT
fsr-3164	586	3	a	a	DET
fsr-3164	586	4	consistently	consistently	ADV
fsr-3164	586	5	positive	positive	ADJ
fsr-3164	586	6	and	and	CCONJ
fsr-3164	586	7	significant	significant	ADJ
fsr-3164	586	8	marginal	marginal	ADJ
fsr-3164	586	9	effect	effect	NOUN
fsr-3164	586	10	of	of	ADP
fsr-3164	586	11	being	be	AUX
fsr-3164	586	12	tech	tech	NOUN
fsr-3164	586	13	-	-	PUNCT
fsr-3164	586	14	savvy	savvy	NOUN
fsr-3164	586	15	is	be	AUX
fsr-3164	586	16	found	find	VERB
fsr-3164	586	17	on	on	ADP
fsr-3164	586	18	the	the	DET
fsr-3164	586	19	overall	overall	ADJ
fsr-3164	586	20	long	long	ADJ
fsr-3164	586	21	-	-	PUNCT
fsr-3164	586	22	term	term	NOUN
fsr-3164	586	23	financial	financial	ADJ
fsr-3164	586	24	behavior	behavior	NOUN
fsr-3164	586	25	before	before	ADP
fsr-3164	586	26	and	and	CCONJ
fsr-3164	586	27	after	after	ADP
fsr-3164	586	28	controlling	control	VERB
fsr-3164	586	29	for	for	ADP
fsr-3164	586	30	financial	financial	ADJ
fsr-3164	586	31	education	education	NOUN
fsr-3164	586	32	and/or	and/or	CCONJ
fsr-3164	586	33	financial	financial	ADJ
fsr-3164	586	34	confidence	confidence	NOUN
fsr-3164	586	35	variables	variable	NOUN
fsr-3164	586	36	.	.	PUNCT
fsr-3164	587	1	finally	finally	ADV
fsr-3164	587	2	,	,	PUNCT
fsr-3164	587	3	we	we	PRON
fsr-3164	587	4	restrict	restrict	VERB
fsr-3164	587	5	the	the	DET
fsr-3164	587	6	sample	sample	NOUN
fsr-3164	587	7	when	when	SCONJ
fsr-3164	587	8	regressing	regress	VERB
fsr-3164	587	9	short	short	ADJ
fsr-3164	587	10	-	-	PUNCT
fsr-3164	587	11	term	term	NOUN
fsr-3164	587	12	financial	financial	ADJ
fsr-3164	587	13	behavior	behavior	NOUN
fsr-3164	587	14	into	into	ADP
fsr-3164	587	15	two	two	NUM
fsr-3164	587	16	groups	group	NOUN
fsr-3164	587	17	,	,	PUNCT
fsr-3164	587	18	those	those	PRON
fsr-3164	587	19	with	with	ADP
fsr-3164	587	20	high	high	ADJ
fsr-3164	587	21	/	/	SYM
fsr-3164	587	22	strong	strong	ADJ
fsr-3164	587	23	and	and	CCONJ
fsr-3164	587	24	low	low	ADJ
fsr-3164	587	25	/	/	SYM
fsr-3164	587	26	weak	weak	ADJ
fsr-3164	587	27	long	long	ADJ
fsr-3164	587	28	-	-	PUNCT
fsr-3164	587	29	term	term	NOUN
fsr-3164	587	30	financial	financial	ADJ
fsr-3164	587	31	behavior	behavior	NOUN
fsr-3164	587	32	.	.	PUNCT
fsr-3164	588	1	the	the	DET
fsr-3164	588	2	same	same	ADJ
fsr-3164	588	3	is	be	AUX
fsr-3164	588	4	done	do	VERB
fsr-3164	588	5	for	for	ADP
fsr-3164	588	6	long	long	ADJ
fsr-3164	588	7	-	-	PUNCT
fsr-3164	588	8	term	term	NOUN
fsr-3164	588	9	financial	financial	ADJ
fsr-3164	588	10	behavior	behavior	NOUN
fsr-3164	588	11	restricted	restrict	VERB
fsr-3164	588	12	into	into	ADP
fsr-3164	588	13	high	high	ADJ
fsr-3164	588	14	and	and	CCONJ
fsr-3164	588	15	low	low	ADJ
fsr-3164	588	16	short	short	ADJ
fsr-3164	588	17	-	-	PUNCT
fsr-3164	588	18	term	term	NOUN
fsr-3164	588	19	financial	financial	ADJ
fsr-3164	588	20	behavior	behavior	NOUN
fsr-3164	588	21	.	.	PUNCT
fsr-3164	589	1	results	result	NOUN
fsr-3164	589	2	are	be	AUX
fsr-3164	589	3	consistent	consistent	ADJ
fsr-3164	589	4	in	in	ADP
fsr-3164	589	5	the	the	DET
fsr-3164	589	6	restricted	restricted	ADJ
fsr-3164	589	7	regressions	regression	NOUN
fsr-3164	589	8	.	.	PUNCT
fsr-3164	590	1	tech	tech	NOUN
fsr-3164	590	2	-	-	PUNCT
fsr-3164	590	3	savvy	savvy	NOUN
fsr-3164	590	4	is	be	AUX
fsr-3164	590	5	negatively	negatively	ADV
fsr-3164	590	6	and	and	CCONJ
fsr-3164	590	7	significantly	significantly	ADV
fsr-3164	590	8	associated	associate	VERB
fsr-3164	590	9	with	with	ADP
fsr-3164	590	10	short	short	ADJ
fsr-3164	590	11	-	-	PUNCT
fsr-3164	590	12	term	term	NOUN
fsr-3164	590	13	financial	financial	ADJ
fsr-3164	590	14	behavior	behavior	NOUN
fsr-3164	590	15	,	,	PUNCT
fsr-3164	590	16	while	while	SCONJ
fsr-3164	590	17	it	it	PRON
fsr-3164	590	18	is	be	AUX
fsr-3164	590	19	positively	positively	ADV
fsr-3164	590	20	and	and	CCONJ
fsr-3164	590	21	significantly	significantly	ADV
fsr-3164	590	22	associated	associate	VERB
fsr-3164	590	23	with	with	ADP
fsr-3164	590	24	long	long	ADJ
fsr-3164	590	25	-	-	PUNCT
fsr-3164	590	26	term	term	NOUN
fsr-3164	590	27	financial	financial	ADJ
fsr-3164	590	28	behavior	behavior	NOUN
fsr-3164	590	29	.	.	PUNCT
fsr-3164	591	1	we	we	PRON
fsr-3164	591	2	also	also	ADV
fsr-3164	591	3	performed	perform	VERB
fsr-3164	591	4	an	an	DET
fsr-3164	591	5	ordered	order	VERB
fsr-3164	591	6	logit	logit	NOUN
fsr-3164	591	7	to	to	PART
fsr-3164	591	8	examine	examine	VERB
fsr-3164	591	9	the	the	DET
fsr-3164	591	10	marginal	marginal	ADJ
fsr-3164	591	11	effects	effect	NOUN
fsr-3164	591	12	which	which	PRON
fsr-3164	591	13	represent	represent	VERB
fsr-3164	591	14	the	the	DET
fsr-3164	591	15	net	net	ADJ
fsr-3164	591	16	effects	effect	NOUN
fsr-3164	591	17	of	of	ADP
fsr-3164	591	18	the	the	DET
fsr-3164	591	19	lowest	low	ADJ
fsr-3164	591	20	and	and	CCONJ
fsr-3164	591	21	highest	high	ADJ
fsr-3164	591	22	financial	financial	ADJ
fsr-3164	591	23	behavior	behavior	NOUN
fsr-3164	591	24	categories	category	NOUN
fsr-3164	591	25	.	.	PUNCT
fsr-3164	592	1	this	this	PRON
fsr-3164	592	2	again	again	ADV
fsr-3164	592	3	confirms	confirm	VERB
fsr-3164	592	4	our	our	PRON
fsr-3164	592	5	previous	previous	ADJ
fsr-3164	592	6	results	result	NOUN
fsr-3164	592	7	with	with	ADP
fsr-3164	592	8	the	the	DET
fsr-3164	592	9	net	net	ADJ
fsr-3164	592	10	marginal	marginal	ADJ
fsr-3164	592	11	effect	effect	NOUN
fsr-3164	592	12	for	for	ADP
fsr-3164	592	13	tech	tech	NOUN
fsr-3164	592	14	-	-	PUNCT
fsr-3164	592	15	savvy	savvy	ADJ
fsr-3164	592	16	being	be	AUX
fsr-3164	592	17	�	�	NOUN
fsr-3164	592	18	0.092	0.092	NUM
fsr-3164	592	19	short	short	ADJ
fsr-3164	592	20	-	-	PUNCT
fsr-3164	592	21	term	term	NOUN
fsr-3164	592	22	financial	financial	ADJ
fsr-3164	592	23	behavior	behavior	NOUN
fsr-3164	592	24	for	for	ADP
fsr-3164	592	25	the	the	DET
fsr-3164	592	26	sample	sample	NOUN
fsr-3164	592	27	restricted	restrict	VERB
fsr-3164	592	28	to	to	ADP
fsr-3164	592	29	high	high	ADJ
fsr-3164	592	30	long	long	ADJ
fsr-3164	592	31	-	-	PUNCT
fsr-3164	592	32	term	term	NOUN
fsr-3164	592	33	financial	financial	ADJ
fsr-3164	592	34	behavior	behavior	NOUN
fsr-3164	592	35	and	and	CCONJ
fsr-3164	592	36	�	�	PROPN
fsr-3164	592	37	0.005	0.005	NUM
fsr-3164	592	38	for	for	ADP
fsr-3164	592	39	the	the	DET
fsr-3164	592	40	sample	sample	NOUN
fsr-3164	592	41	restricted	restrict	VERB
fsr-3164	592	42	to	to	ADP
fsr-3164	592	43	low	low	ADJ
fsr-3164	592	44	long	long	ADJ
fsr-3164	592	45	-	-	PUNCT
fsr-3164	592	46	term	term	NOUN
fsr-3164	592	47	financial	financial	ADJ
fsr-3164	592	48	behavior	behavior	NOUN
fsr-3164	592	49	.	.	PUNCT
fsr-3164	593	1	when	when	SCONJ
fsr-3164	593	2	regressing	regress	VERB
fsr-3164	593	3	long	long	ADJ
fsr-3164	593	4	-	-	PUNCT
fsr-3164	593	5	term	term	NOUN
fsr-3164	593	6	financial	financial	ADJ
fsr-3164	593	7	behavior	behavior	NOUN
fsr-3164	593	8	,	,	PUNCT
fsr-3164	593	9	the	the	DET
fsr-3164	593	10	net	net	ADJ
fsr-3164	593	11	marginal	marginal	ADJ
fsr-3164	593	12	effects	effect	NOUN
fsr-3164	593	13	of	of	ADP
fsr-3164	593	14	the	the	DET
fsr-3164	593	15	variable	variable	ADJ
fsr-3164	593	16	tech	tech	NOUN
fsr-3164	593	17	-	-	PUNCT
fsr-3164	593	18	savvy	savvy	NOUN
fsr-3164	593	19	are	be	AUX
fsr-3164	593	20	0.032	0.032	NUM
fsr-3164	593	21	and	and	CCONJ
fsr-3164	593	22	0.0151	0.0151	NUM
fsr-3164	593	23	for	for	ADP
fsr-3164	593	24	the	the	DET
fsr-3164	593	25	restricted	restricted	ADJ
fsr-3164	593	26	samples	sample	NOUN
fsr-3164	593	27	on	on	ADP
fsr-3164	593	28	high	high	ADJ
fsr-3164	593	29	short	short	ADJ
fsr-3164	593	30	-	-	PUNCT
fsr-3164	593	31	term	term	NOUN
fsr-3164	593	32	financial	financial	ADJ
fsr-3164	593	33	behavior	behavior	NOUN
fsr-3164	593	34	and	and	CCONJ
fsr-3164	593	35	low	low	ADJ
fsr-3164	593	36	short	short	ADJ
fsr-3164	593	37	-	-	PUNCT
fsr-3164	593	38	term	term	NOUN
fsr-3164	593	39	financial	financial	ADJ
fsr-3164	593	40	behavior	behavior	NOUN
fsr-3164	593	41	,	,	PUNCT
fsr-3164	593	42	respectively	respectively	ADV
fsr-3164	593	43	(	(	PUNCT
fsr-3164	593	44	see	see	VERB
fsr-3164	593	45	appendix	appendix	ADJ
fsr-3164	593	46	table	table	NOUN
fsr-3164	593	47	t11	t11	NOUN
fsr-3164	593	48	)	)	PUNCT
fsr-3164	593	49	.	.	PUNCT
fsr-3164	594	1	6	6	X
fsr-3164	594	2	.	.	X
fsr-3164	594	3	conclusion	conclusion	NOUN
fsr-3164	594	4	and	and	CCONJ
fsr-3164	594	5	future	future	ADJ
fsr-3164	594	6	discussion	discussion	NOUN
fsr-3164	594	7	the	the	DET
fsr-3164	594	8	study	study	NOUN
fsr-3164	594	9	examined	examine	VERB
fsr-3164	594	10	how	how	SCONJ
fsr-3164	594	11	being	be	AUX
fsr-3164	594	12	tech	tech	NOUN
fsr-3164	594	13	-	-	PUNCT
fsr-3164	594	14	savvy	savvy	NOUN
fsr-3164	594	15	affects	affect	VERB
fsr-3164	594	16	personal	personal	ADJ
fsr-3164	594	17	short	short	ADJ
fsr-3164	594	18	-	-	PUNCT
fsr-3164	594	19	term	term	NOUN
fsr-3164	594	20	and	and	CCONJ
fsr-3164	594	21	long	long	ADJ
fsr-3164	594	22	-	-	PUNCT
fsr-3164	594	23	term	term	NOUN
fsr-3164	594	24	financial	financial	ADJ
fsr-3164	594	25	capability	capability	NOUN
fsr-3164	594	26	.	.	PUNCT
fsr-3164	595	1	the	the	DET
fsr-3164	595	2	tech	tech	NOUN
fsr-3164	595	3	-	-	PUNCT
fsr-3164	595	4	savvy	savvy	ADJ
fsr-3164	595	5	variable	variable	NOUN
fsr-3164	595	6	was	be	AUX
fsr-3164	595	7	consistently	consistently	ADV
fsr-3164	595	8	negative	negative	ADJ
fsr-3164	595	9	and	and	CCONJ
fsr-3164	595	10	significant	significant	ADJ
fsr-3164	595	11	in	in	ADP
fsr-3164	595	12	the	the	DET
fsr-3164	595	13	short	short	ADJ
fsr-3164	595	14	-	-	PUNCT
fsr-3164	595	15	term	term	NOUN
fsr-3164	595	16	model	model	NOUN
fsr-3164	595	17	.	.	PUNCT
fsr-3164	596	1	however	however	ADV
fsr-3164	596	2	,	,	PUNCT
fsr-3164	596	3	the	the	DET
fsr-3164	596	4	tech	tech	NOUN
fsr-3164	596	5	-	-	PUNCT
fsr-3164	596	6	savvy	savvy	ADJ
fsr-3164	596	7	variable	variable	NOUN
fsr-3164	596	8	was	be	AUX
fsr-3164	596	9	positive	positive	ADJ
fsr-3164	596	10	and	and	CCONJ
fsr-3164	596	11	significant	significant	ADJ
fsr-3164	596	12	in	in	ADP
fsr-3164	596	13	the	the	DET
fsr-3164	596	14	longterm	longterm	PROPN
fsr-3164	596	15	model	model	NOUN
fsr-3164	596	16	.	.	PUNCT
fsr-3164	597	1	this	this	DET
fsr-3164	597	2	result	result	NOUN
fsr-3164	597	3	could	could	AUX
fsr-3164	597	4	indicate	indicate	VERB
fsr-3164	597	5	that	that	DET
fsr-3164	597	6	technology	technology	NOUN
fsr-3164	597	7	allows	allow	VERB
fsr-3164	597	8	more	more	ADJ
fsr-3164	597	9	risk	risk	NOUN
fsr-3164	597	10	-	-	PUNCT
fsr-3164	597	11	tolerant	tolerant	ADJ
fsr-3164	597	12	individuals	individual	NOUN
fsr-3164	597	13	to	to	PART
fsr-3164	597	14	behave	behave	VERB
fsr-3164	597	15	imprudently	imprudently	ADV
fsr-3164	597	16	in	in	ADP
fsr-3164	597	17	the	the	DET
fsr-3164	597	18	short	short	ADJ
fsr-3164	597	19	-	-	PUNCT
fsr-3164	597	20	term	term	NOUN
fsr-3164	597	21	,	,	PUNCT
fsr-3164	597	22	making	make	VERB
fsr-3164	597	23	it	it	PRON
fsr-3164	597	24	easy	easy	ADJ
fsr-3164	597	25	for	for	SCONJ
fsr-3164	597	26	individuals	individual	NOUN
fsr-3164	597	27	to	to	PART
fsr-3164	597	28	overspend	overspend	VERB
fsr-3164	597	29	.	.	PUNCT
fsr-3164	598	1	however	however	ADV
fsr-3164	598	2	,	,	PUNCT
fsr-3164	598	3	over	over	ADP
fsr-3164	598	4	the	the	DET
fsr-3164	598	5	long	long	ADJ
fsr-3164	598	6	-	-	PUNCT
fsr-3164	598	7	term	term	NOUN
fsr-3164	598	8	,	,	PUNCT
fsr-3164	598	9	individuals	individual	NOUN
fsr-3164	598	10	may	may	AUX
fsr-3164	598	11	engage	engage	VERB
fsr-3164	598	12	in	in	ADP
fsr-3164	598	13	more	more	ADV
fsr-3164	598	14	rational	rational	ADJ
fsr-3164	598	15	long	long	ADJ
fsr-3164	598	16	-	-	PUNCT
fsr-3164	598	17	term	term	NOUN
fsr-3164	598	18	financial	financial	ADJ
fsr-3164	598	19	behavior	behavior	NOUN
fsr-3164	598	20	using	use	VERB
fsr-3164	598	21	technology	technology	NOUN
fsr-3164	598	22	.	.	PUNCT
fsr-3164	599	1	this	this	DET
fsr-3164	599	2	paper	paper	NOUN
fsr-3164	599	3	also	also	ADV
fsr-3164	599	4	examined	examine	VERB
fsr-3164	599	5	how	how	SCONJ
fsr-3164	599	6	financial	financial	ADJ
fsr-3164	599	7	capability	capability	NOUN
fsr-3164	599	8	and	and	CCONJ
fsr-3164	599	9	technology	technology	NOUN
fsr-3164	599	10	savviness	savviness	NOUN
fsr-3164	599	11	can	can	AUX
fsr-3164	599	12	vary	vary	VERB
fsr-3164	599	13	across	across	ADP
fsr-3164	599	14	generations	generation	NOUN
fsr-3164	599	15	.	.	PUNCT
fsr-3164	600	1	we	we	PRON
fsr-3164	600	2	found	find	VERB
fsr-3164	600	3	being	be	AUX
fsr-3164	600	4	equipped	equip	VERB
fsr-3164	600	5	with	with	ADP
fsr-3164	600	6	good	good	ADJ
fsr-3164	600	7	financial	financial	ADJ
fsr-3164	600	8	knowledge	knowledge	NOUN
fsr-3164	600	9	favors	favor	VERB
fsr-3164	600	10	gen	gen	PROPN
fsr-3164	600	11	z	z	PROPN
fsr-3164	600	12	and	and	CCONJ
fsr-3164	600	13	baby	baby	NOUN
fsr-3164	600	14	boomers	boomer	NOUN
fsr-3164	600	15	to	to	PART
fsr-3164	600	16	engage	engage	VERB
fsr-3164	600	17	in	in	ADP
fsr-3164	600	18	positive	positive	ADJ
fsr-3164	600	19	short	short	ADJ
fsr-3164	600	20	-	-	PUNCT
fsr-3164	600	21	term	term	NOUN
fsr-3164	600	22	financial	financial	ADJ
fsr-3164	600	23	behavior	behavior	NOUN
fsr-3164	600	24	and	and	CCONJ
fsr-3164	600	25	being	be	AUX
fsr-3164	600	26	financially	financially	ADV
fsr-3164	600	27	confident	confident	ADJ
fsr-3164	600	28	is	be	AUX
fsr-3164	600	29	positively	positively	ADV
fsr-3164	600	30	associated	associate	VERB
fsr-3164	600	31	with	with	ADP
fsr-3164	600	32	good	good	ADJ
fsr-3164	600	33	short	short	ADJ
fsr-3164	600	34	-	-	PUNCT
fsr-3164	600	35	term	term	NOUN
fsr-3164	600	36	financial	financial	ADJ
fsr-3164	600	37	behavior	behavior	NOUN
fsr-3164	600	38	across	across	ADP
fsr-3164	600	39	all	all	DET
fsr-3164	600	40	generations	generation	NOUN
fsr-3164	600	41	.	.	PUNCT
fsr-3164	601	1	our	our	PRON
fsr-3164	601	2	variable	variable	ADJ
fsr-3164	601	3	tech	tech	NOUN
fsr-3164	601	4	-	-	PUNCT
fsr-3164	601	5	savvy	savvy	NOUN
fsr-3164	601	6	was	be	AUX
fsr-3164	601	7	found	find	VERB
fsr-3164	601	8	negative	negative	ADJ
fsr-3164	601	9	and	and	CCONJ
fsr-3164	601	10	significant	significant	ADJ
fsr-3164	601	11	across	across	ADP
fsr-3164	601	12	all	all	DET
fsr-3164	601	13	generations	generation	NOUN
fsr-3164	601	14	for	for	ADP
fsr-3164	601	15	292	292	NUM
fsr-3164	601	16	a.	a.	NOUN
fsr-3164	601	17	mussa	mussa	NOUN
fsr-3164	601	18	et	et	PROPN
fsr-3164	601	19	al	al	PROPN
fsr-3164	601	20	.	.	PUNCT
fsr-3164	601	21	/	/	SYM
fsr-3164	601	22	financial	financial	ADJ
fsr-3164	601	23	services	service	NOUN
fsr-3164	601	24	review	review	VERB
fsr-3164	601	25	30	30	NUM
fsr-3164	601	26	(	(	PUNCT
fsr-3164	601	27	2022	2022	NUM
fsr-3164	601	28	)	)	PUNCT
fsr-3164	602	1	273–296	273–296	NUM
fsr-3164	602	2	short	short	ADJ
fsr-3164	602	3	-	-	PUNCT
fsr-3164	602	4	term	term	NOUN
fsr-3164	602	5	financial	financial	ADJ
fsr-3164	602	6	behavior	behavior	NOUN
fsr-3164	602	7	.	.	PUNCT
fsr-3164	603	1	this	this	PRON
fsr-3164	603	2	could	could	AUX
fsr-3164	603	3	indicate	indicate	VERB
fsr-3164	603	4	that	that	SCONJ
fsr-3164	603	5	those	those	PRON
fsr-3164	603	6	in	in	ADP
fsr-3164	603	7	the	the	DET
fsr-3164	603	8	youngest	young	ADJ
fsr-3164	603	9	generations	generation	NOUN
fsr-3164	603	10	and	and	CCONJ
fsr-3164	603	11	oldest	old	ADJ
fsr-3164	603	12	generations	generation	NOUN
fsr-3164	603	13	are	be	AUX
fsr-3164	603	14	not	not	PART
fsr-3164	603	15	using	use	VERB
fsr-3164	603	16	technology	technology	NOUN
fsr-3164	603	17	in	in	ADP
fsr-3164	603	18	a	a	DET
fsr-3164	603	19	way	way	NOUN
fsr-3164	603	20	that	that	PRON
fsr-3164	603	21	would	would	AUX
fsr-3164	603	22	benefit	benefit	VERB
fsr-3164	603	23	their	their	PRON
fsr-3164	603	24	money	money	NOUN
fsr-3164	603	25	management	management	NOUN
fsr-3164	603	26	in	in	ADP
fsr-3164	603	27	the	the	DET
fsr-3164	603	28	short	short	ADJ
fsr-3164	603	29	-	-	PUNCT
fsr-3164	603	30	term	term	NOUN
fsr-3164	603	31	.	.	PUNCT
fsr-3164	604	1	tech	tech	NOUN
fsr-3164	604	2	-	-	PUNCT
fsr-3164	604	3	savvy	savvy	ADJ
fsr-3164	604	4	individuals	individual	NOUN
fsr-3164	604	5	in	in	ADP
fsr-3164	604	6	gen	gen	PROPN
fsr-3164	604	7	z	z	PROPN
fsr-3164	604	8	,	,	PUNCT
fsr-3164	604	9	millennials	millennial	NOUN
fsr-3164	604	10	,	,	PUNCT
fsr-3164	604	11	and	and	CCONJ
fsr-3164	604	12	gen	gen	PROPN
fsr-3164	604	13	x	x	PUNCT
fsr-3164	604	14	are	be	AUX
fsr-3164	604	15	more	more	ADV
fsr-3164	604	16	likely	likely	ADJ
fsr-3164	604	17	to	to	PART
fsr-3164	604	18	engage	engage	VERB
fsr-3164	604	19	in	in	ADP
fsr-3164	604	20	good	good	ADJ
fsr-3164	604	21	long	long	ADJ
fsr-3164	604	22	-	-	PUNCT
fsr-3164	604	23	term	term	NOUN
fsr-3164	604	24	financial	financial	ADJ
fsr-3164	604	25	behavior	behavior	NOUN
fsr-3164	604	26	.	.	PUNCT
fsr-3164	605	1	finally	finally	ADV
fsr-3164	605	2	,	,	PUNCT
fsr-3164	605	3	this	this	DET
fsr-3164	605	4	paper	paper	NOUN
fsr-3164	605	5	supports	support	VERB
fsr-3164	605	6	similar	similar	ADJ
fsr-3164	605	7	research	research	NOUN
fsr-3164	605	8	on	on	ADP
fsr-3164	605	9	financial	financial	ADJ
fsr-3164	605	10	capability	capability	NOUN
fsr-3164	605	11	with	with	ADP
fsr-3164	605	12	updated	update	VERB
fsr-3164	605	13	national	national	ADJ
fsr-3164	605	14	data	datum	NOUN
fsr-3164	605	15	.	.	PUNCT
fsr-3164	606	1	our	our	PRON
fsr-3164	606	2	findings	finding	NOUN
fsr-3164	606	3	echo	echo	VERB
fsr-3164	606	4	the	the	DET
fsr-3164	606	5	prior	prior	ADJ
fsr-3164	606	6	research	research	NOUN
fsr-3164	606	7	that	that	SCONJ
fsr-3164	606	8	people	people	NOUN
fsr-3164	606	9	with	with	ADP
fsr-3164	606	10	better	well	ADJ
fsr-3164	606	11	than	than	ADP
fsr-3164	606	12	average	average	ADJ
fsr-3164	606	13	actual	actual	ADJ
fsr-3164	606	14	financial	financial	ADJ
fsr-3164	606	15	knowledge	knowledge	NOUN
fsr-3164	606	16	or	or	CCONJ
fsr-3164	606	17	financial	financial	ADJ
fsr-3164	606	18	confidence	confidence	NOUN
fsr-3164	606	19	tend	tend	VERB
fsr-3164	606	20	to	to	PART
fsr-3164	606	21	be	be	AUX
fsr-3164	606	22	more	more	ADV
fsr-3164	606	23	likely	likely	ADJ
fsr-3164	606	24	to	to	PART
fsr-3164	606	25	engage	engage	VERB
fsr-3164	606	26	in	in	ADP
fsr-3164	606	27	good	good	ADJ
fsr-3164	606	28	short	short	ADJ
fsr-3164	606	29	-	-	PUNCT
fsr-3164	606	30	term	term	NOUN
fsr-3164	606	31	and	and	CCONJ
fsr-3164	606	32	long	long	ADJ
fsr-3164	606	33	-	-	PUNCT
fsr-3164	606	34	term	term	NOUN
fsr-3164	606	35	financial	financial	ADJ
fsr-3164	606	36	behavior	behavior	NOUN
fsr-3164	606	37	.	.	PUNCT
fsr-3164	607	1	one	one	NUM
fsr-3164	607	2	of	of	ADP
fsr-3164	607	3	the	the	DET
fsr-3164	607	4	limitations	limitation	NOUN
fsr-3164	607	5	noted	note	VERB
fsr-3164	607	6	is	be	AUX
fsr-3164	607	7	related	relate	VERB
fsr-3164	607	8	to	to	ADP
fsr-3164	607	9	using	use	VERB
fsr-3164	607	10	self	self	NOUN
fsr-3164	607	11	-	-	PUNCT
fsr-3164	607	12	reported	report	VERB
fsr-3164	607	13	survey	survey	NOUN
fsr-3164	607	14	data	datum	NOUN
fsr-3164	607	15	to	to	PART
fsr-3164	607	16	measure	measure	VERB
fsr-3164	607	17	tech	tech	NOUN
fsr-3164	607	18	-	-	PUNCT
fsr-3164	607	19	savvy	savvy	ADJ
fsr-3164	607	20	and	and	CCONJ
fsr-3164	607	21	financial	financial	ADJ
fsr-3164	607	22	behaviors	behavior	NOUN
fsr-3164	607	23	.	.	PUNCT
fsr-3164	608	1	it	it	PRON
fsr-3164	608	2	is	be	AUX
fsr-3164	608	3	difficult	difficult	ADJ
fsr-3164	608	4	to	to	PART
fsr-3164	608	5	confirm	confirm	VERB
fsr-3164	608	6	whether	whether	SCONJ
fsr-3164	608	7	people	people	NOUN
fsr-3164	608	8	behave	behave	VERB
fsr-3164	608	9	in	in	ADP
fsr-3164	608	10	a	a	DET
fsr-3164	608	11	certain	certain	ADJ
fsr-3164	608	12	way	way	NOUN
fsr-3164	608	13	as	as	SCONJ
fsr-3164	608	14	they	they	PRON
fsr-3164	608	15	respond	respond	VERB
fsr-3164	608	16	to	to	ADP
fsr-3164	608	17	financial	financial	ADJ
fsr-3164	608	18	behavior	behavior	NOUN
fsr-3164	608	19	-	-	PUNCT
fsr-3164	608	20	related	relate	VERB
fsr-3164	608	21	questions	question	NOUN
fsr-3164	608	22	.	.	PUNCT
fsr-3164	609	1	the	the	DET
fsr-3164	609	2	variable	variable	ADJ
fsr-3164	609	3	techsavvy	techsavvy	NOUN
fsr-3164	609	4	is	be	AUX
fsr-3164	609	5	constructed	construct	VERB
fsr-3164	609	6	based	base	VERB
fsr-3164	609	7	on	on	ADP
fsr-3164	609	8	the	the	DET
fsr-3164	609	9	general	general	ADJ
fsr-3164	609	10	response	response	NOUN
fsr-3164	609	11	to	to	ADP
fsr-3164	609	12	whether	whether	SCONJ
fsr-3164	609	13	the	the	DET
fsr-3164	609	14	respondents	respondent	NOUN
fsr-3164	609	15	use	use	VERB
fsr-3164	609	16	their	their	PRON
fsr-3164	609	17	mobile	mobile	ADJ
fsr-3164	609	18	or	or	CCONJ
fsr-3164	609	19	web	web	NOUN
fsr-3164	609	20	app	app	NOUN
fsr-3164	609	21	to	to	PART
fsr-3164	609	22	purchase	purchase	VERB
fsr-3164	609	23	things	thing	NOUN
fsr-3164	609	24	or	or	CCONJ
fsr-3164	609	25	transfer	transfer	VERB
fsr-3164	609	26	money	money	NOUN
fsr-3164	609	27	.	.	PUNCT
fsr-3164	610	1	it	it	PRON
fsr-3164	610	2	would	would	AUX
fsr-3164	610	3	have	have	AUX
fsr-3164	610	4	been	be	AUX
fsr-3164	610	5	more	more	ADV
fsr-3164	610	6	relevant	relevant	ADJ
fsr-3164	610	7	if	if	SCONJ
fsr-3164	610	8	the	the	DET
fsr-3164	610	9	survey	survey	NOUN
fsr-3164	610	10	asked	ask	VERB
fsr-3164	610	11	if	if	SCONJ
fsr-3164	610	12	the	the	DET
fsr-3164	610	13	respondents	respondent	NOUN
fsr-3164	610	14	used	use	VERB
fsr-3164	610	15	their	their	PRON
fsr-3164	610	16	mobile	mobile	ADJ
fsr-3164	610	17	phone	phone	NOUN
fsr-3164	610	18	or	or	CCONJ
fsr-3164	610	19	an	an	DET
fsr-3164	610	20	app	app	NOUN
fsr-3164	610	21	to	to	PART
fsr-3164	610	22	manage	manage	VERB
fsr-3164	610	23	their	their	PRON
fsr-3164	610	24	finances	finance	NOUN
fsr-3164	610	25	.	.	PUNCT
fsr-3164	611	1	plus	plus	CCONJ
fsr-3164	611	2	,	,	PUNCT
fsr-3164	611	3	the	the	DET
fsr-3164	611	4	nfcs	nfcs	PROPN
fsr-3164	611	5	data	datum	NOUN
fsr-3164	611	6	are	be	AUX
fsr-3164	611	7	not	not	PART
fsr-3164	611	8	rich	rich	ADJ
fsr-3164	611	9	enough	enough	ADV
fsr-3164	611	10	to	to	PART
fsr-3164	611	11	specify	specify	VERB
fsr-3164	611	12	the	the	DET
fsr-3164	611	13	sources	source	NOUN
fsr-3164	611	14	of	of	ADP
fsr-3164	611	15	the	the	DET
fsr-3164	611	16	financial	financial	ADJ
fsr-3164	611	17	background	background	NOUN
fsr-3164	611	18	of	of	ADP
fsr-3164	611	19	the	the	DET
fsr-3164	611	20	respondents	respondent	NOUN
fsr-3164	611	21	.	.	PUNCT
fsr-3164	612	1	in	in	ADP
fsr-3164	612	2	future	future	ADJ
fsr-3164	612	3	research	research	NOUN
fsr-3164	612	4	,	,	PUNCT
fsr-3164	612	5	we	we	PRON
fsr-3164	612	6	hope	hope	VERB
fsr-3164	612	7	to	to	PART
fsr-3164	612	8	collect	collect	VERB
fsr-3164	612	9	data	datum	NOUN
fsr-3164	612	10	and	and	CCONJ
fsr-3164	612	11	focus	focus	VERB
fsr-3164	612	12	on	on	ADP
fsr-3164	612	13	a	a	DET
fsr-3164	612	14	college	college	NOUN
fsr-3164	612	15	student	student	NOUN
fsr-3164	612	16	population	population	NOUN
fsr-3164	612	17	.	.	PUNCT
fsr-3164	613	1	looking	look	VERB
fsr-3164	613	2	into	into	ADP
fsr-3164	613	3	different	different	ADJ
fsr-3164	613	4	demographics	demographic	NOUN
fsr-3164	613	5	such	such	ADJ
fsr-3164	613	6	as	as	ADP
fsr-3164	613	7	firstgeneration	firstgeneration	NOUN
fsr-3164	613	8	college	college	NOUN
fsr-3164	613	9	students	student	NOUN
fsr-3164	613	10	,	,	PUNCT
fsr-3164	613	11	commuters	commuter	NOUN
fsr-3164	613	12	,	,	PUNCT
fsr-3164	613	13	and	and	CCONJ
fsr-3164	613	14	students	student	NOUN
fsr-3164	613	15	who	who	PRON
fsr-3164	613	16	are	be	AUX
fsr-3164	613	17	working	work	VERB
fsr-3164	613	18	part	part	ADJ
fsr-3164	613	19	-	-	PUNCT
fsr-3164	613	20	time	time	NOUN
fsr-3164	613	21	,	,	PUNCT
fsr-3164	613	22	or	or	CCONJ
fsr-3164	613	23	full	full	ADJ
fsr-3164	613	24	-	-	PUNCT
fsr-3164	613	25	time	time	NOUN
fsr-3164	613	26	jobs	job	NOUN
fsr-3164	613	27	will	will	AUX
fsr-3164	613	28	provide	provide	VERB
fsr-3164	613	29	policy	policy	NOUN
fsr-3164	613	30	implications	implication	NOUN
fsr-3164	613	31	on	on	ADP
fsr-3164	613	32	personal	personal	ADJ
fsr-3164	613	33	financial	financial	ADJ
fsr-3164	613	34	management	management	NOUN
fsr-3164	613	35	among	among	ADP
fsr-3164	613	36	young	young	ADJ
fsr-3164	613	37	generations	generation	NOUN
fsr-3164	613	38	.	.	PUNCT
fsr-3164	614	1	notes	note	NOUN
fsr-3164	614	2	1	1	NUM
fsr-3164	614	3	among	among	ADP
fsr-3164	614	4	the	the	DET
fsr-3164	614	5	survey	survey	NOUN
fsr-3164	614	6	participants	participant	NOUN
fsr-3164	614	7	who	who	PRON
fsr-3164	614	8	used	use	VERB
fsr-3164	614	9	bnpl	bnpl	NOUN
fsr-3164	614	10	,	,	PUNCT
fsr-3164	614	11	29	29	NUM
fsr-3164	614	12	%	%	NOUN
fsr-3164	614	13	indicated	indicate	VERB
fsr-3164	614	14	they	they	PRON
fsr-3164	614	15	would	would	AUX
fsr-3164	614	16	have	have	AUX
fsr-3164	614	17	spent	spend	VERB
fsr-3164	614	18	less	less	ADJ
fsr-3164	614	19	,	,	PUNCT
fsr-3164	614	20	or	or	CCONJ
fsr-3164	614	21	not	not	PART
fsr-3164	614	22	spent	spend	VERB
fsr-3164	614	23	at	at	ADV
fsr-3164	614	24	all	all	ADV
fsr-3164	614	25	without	without	ADP
fsr-3164	614	26	the	the	DET
fsr-3164	614	27	financing	financing	NOUN
fsr-3164	614	28	option	option	NOUN
fsr-3164	614	29	(	(	PUNCT
fsr-3164	614	30	mckinsey	mckinsey	NOUN
fsr-3164	614	31	digital	digital	ADJ
fsr-3164	614	32	payments	payment	NOUN
fsr-3164	614	33	consumer	consumer	NOUN
fsr-3164	614	34	survey	survey	NOUN
fsr-3164	614	35	,	,	PUNCT
fsr-3164	614	36	2021	2021	NUM
fsr-3164	614	37	)	)	PUNCT
fsr-3164	614	38	.	.	PUNCT
fsr-3164	615	1	2	2	NUM
fsr-3164	615	2	objective	objective	ADJ
fsr-3164	615	3	financial	financial	ADJ
fsr-3164	615	4	knowledge	knowledge	NOUN
fsr-3164	615	5	questions	question	NOUN
fsr-3164	615	6	assess	assess	VERB
fsr-3164	615	7	true	true	ADJ
fsr-3164	615	8	skills	skill	NOUN
fsr-3164	615	9	and	and	CCONJ
fsr-3164	615	10	knowledge	knowledge	NOUN
fsr-3164	615	11	pertaining	pertain	VERB
fsr-3164	615	12	to	to	ADP
fsr-3164	615	13	personal	personal	ADJ
fsr-3164	615	14	financial	financial	ADJ
fsr-3164	615	15	decisions	decision	NOUN
fsr-3164	615	16	while	while	SCONJ
fsr-3164	615	17	subjective	subjective	ADJ
fsr-3164	615	18	financial	financial	ADJ
fsr-3164	615	19	knowledge	knowledge	NOUN
fsr-3164	615	20	questions	question	NOUN
fsr-3164	615	21	evaluate	evaluate	VERB
fsr-3164	615	22	self	self	NOUN
fsr-3164	615	23	-	-	PUNCT
fsr-3164	615	24	perception	perception	NOUN
fsr-3164	615	25	on	on	ADP
fsr-3164	615	26	dealing	deal	VERB
fsr-3164	615	27	with	with	ADP
fsr-3164	615	28	personal	personal	ADJ
fsr-3164	615	29	financial	financial	ADJ
fsr-3164	615	30	matters	matter	NOUN
fsr-3164	615	31	.	.	PUNCT
fsr-3164	616	1	3	3	NUM
fsr-3164	616	2	the	the	DET
fsr-3164	616	3	conventional	conventional	ADJ
fsr-3164	616	4	age	age	NOUN
fsr-3164	616	5	cut	cut	VERB
fsr-3164	616	6	off	off	ADP
fsr-3164	616	7	in	in	ADP
fsr-3164	616	8	defining	define	VERB
fsr-3164	616	9	generation	generation	NOUN
fsr-3164	616	10	is	be	AUX
fsr-3164	616	11	slightly	slightly	ADV
fsr-3164	616	12	different	different	ADJ
fsr-3164	616	13	in	in	ADP
fsr-3164	616	14	our	our	PRON
fsr-3164	616	15	sample	sample	NOUN
fsr-3164	616	16	.	.	PUNCT
fsr-3164	617	1	pew	pew	NOUN
fsr-3164	617	2	research	research	NOUN
fsr-3164	617	3	center	center	NOUN
fsr-3164	617	4	defines	define	VERB
fsr-3164	617	5	generation	generation	NOUN
fsr-3164	617	6	as	as	SCONJ
fsr-3164	617	7	follows	follow	VERB
fsr-3164	617	8	:	:	PUNCT
fsr-3164	617	9	gen	gen	PROPN
fsr-3164	617	10	z	z	NOUN
fsr-3164	617	11	(	(	PUNCT
fsr-3164	617	12	born	bear	VERB
fsr-3164	617	13	after	after	ADP
fsr-3164	617	14	1996	1996	NUM
fsr-3164	617	15	)	)	PUNCT
fsr-3164	617	16	,	,	PUNCT
fsr-3164	617	17	gen	gen	PROPN
fsr-3164	617	18	y	y	PROPN
fsr-3164	617	19	(	(	PUNCT
fsr-3164	617	20	born	bear	VERB
fsr-3164	617	21	1981–1996	1981–1996	NUM
fsr-3164	617	22	)	)	PUNCT
fsr-3164	617	23	,	,	PUNCT
fsr-3164	617	24	gen	gen	PROPN
fsr-3164	617	25	x	x	SYM
fsr-3164	617	26	(	(	PUNCT
fsr-3164	617	27	1965–1980	1965–1980	NUM
fsr-3164	617	28	)	)	PUNCT
fsr-3164	617	29	,	,	PUNCT
fsr-3164	617	30	and	and	CCONJ
fsr-3164	617	31	baby	baby	NOUN
fsr-3164	617	32	boomers	boomer	NOUN
fsr-3164	617	33	(	(	PUNCT
fsr-3164	617	34	1946–1964	1946–1964	NUM
fsr-3164	617	35	)	)	PUNCT
fsr-3164	617	36	.	.	PUNCT
fsr-3164	618	1	4	4	NUM
fsr-3164	618	2	the	the	DET
fsr-3164	618	3	responses	response	NOUN
fsr-3164	618	4	to	to	ADP
fsr-3164	618	5	each	each	PRON
fsr-3164	618	6	of	of	ADP
fsr-3164	618	7	the	the	DET
fsr-3164	618	8	six	six	NUM
fsr-3164	618	9	questions	question	NOUN
fsr-3164	618	10	were	be	AUX
fsr-3164	618	11	re	re	VERB
fsr-3164	618	12	-	-	VERB
fsr-3164	618	13	coded	code	VERB
fsr-3164	618	14	,	,	PUNCT
fsr-3164	618	15	as	as	ADP
fsr-3164	618	16	a	a	DET
fsr-3164	618	17	dummy	dummy	ADJ
fsr-3164	618	18	variable	variable	NOUN
fsr-3164	618	19	,	,	PUNCT
fsr-3164	618	20	“	"	PUNCT
fsr-3164	618	21	1	1	NUM
fsr-3164	618	22	”	"	PUNCT
fsr-3164	618	23	for	for	ADP
fsr-3164	618	24	a	a	DET
fsr-3164	618	25	correct	correct	ADJ
fsr-3164	618	26	response	response	NOUN
fsr-3164	618	27	and	and	CCONJ
fsr-3164	618	28	“	"	PUNCT
fsr-3164	618	29	0	0	NUM
fsr-3164	618	30	”	"	PUNCT
fsr-3164	618	31	otherwise	otherwise	ADV
fsr-3164	618	32	.	.	PUNCT
fsr-3164	619	1	the	the	DET
fsr-3164	619	2	overall	overall	ADJ
fsr-3164	619	3	score	score	NOUN
fsr-3164	619	4	was	be	AUX
fsr-3164	619	5	computed	compute	VERB
fsr-3164	619	6	by	by	ADP
fsr-3164	619	7	adding	add	VERB
fsr-3164	619	8	the	the	DET
fsr-3164	619	9	binary	binary	ADJ
fsr-3164	619	10	numbers	number	NOUN
fsr-3164	619	11	attached	attach	VERB
fsr-3164	619	12	to	to	ADP
fsr-3164	619	13	the	the	DET
fsr-3164	619	14	six	six	NUM
fsr-3164	619	15	questions	question	NOUN
fsr-3164	619	16	that	that	PRON
fsr-3164	619	17	ranged	range	VERB
fsr-3164	619	18	0	0	NUM
fsr-3164	619	19	to	to	ADP
fsr-3164	619	20	6	6	NUM
fsr-3164	619	21	,	,	PUNCT
fsr-3164	619	22	0	0	NUM
fsr-3164	619	23	being	be	AUX
fsr-3164	619	24	none	none	NOUN
fsr-3164	619	25	of	of	ADP
fsr-3164	619	26	the	the	DET
fsr-3164	619	27	six	six	NUM
fsr-3164	619	28	questions	question	NOUN
fsr-3164	619	29	were	be	AUX
fsr-3164	619	30	answered	answer	VERB
fsr-3164	619	31	correctly	correctly	ADV
fsr-3164	619	32	and	and	CCONJ
fsr-3164	620	1	6	6	NUM
fsr-3164	620	2	being	be	AUX
fsr-3164	620	3	all	all	PRON
fsr-3164	620	4	were	be	AUX
fsr-3164	620	5	responded	respond	VERB
fsr-3164	620	6	correctly	correctly	ADV
fsr-3164	620	7	.	.	PUNCT
fsr-3164	621	1	the	the	DET
fsr-3164	621	2	binary	binary	PROPN
fsr-3164	621	3	variable	variable	NOUN
fsr-3164	621	4	of	of	ADP
fsr-3164	621	5	financial	financial	ADJ
fsr-3164	621	6	knowledge	knowledge	NOUN
fsr-3164	621	7	,	,	PUNCT
fsr-3164	621	8	then	then	ADV
fsr-3164	621	9	,	,	PUNCT
fsr-3164	621	10	was	be	AUX
fsr-3164	621	11	created	create	VERB
fsr-3164	621	12	by	by	ADP
fsr-3164	621	13	assigning	assign	VERB
fsr-3164	621	14	“	"	PUNCT
fsr-3164	621	15	1	1	NUM
fsr-3164	621	16	”	"	PUNCT
fsr-3164	621	17	if	if	SCONJ
fsr-3164	621	18	the	the	DET
fsr-3164	621	19	overall	overall	ADJ
fsr-3164	621	20	score	score	NOUN
fsr-3164	621	21	is	be	AUX
fsr-3164	621	22	above	above	ADP
fsr-3164	621	23	the	the	DET
fsr-3164	621	24	average	average	ADJ
fsr-3164	621	25	score	score	NOUN
fsr-3164	621	26	,	,	PUNCT
fsr-3164	621	27	2.11	2.11	NUM
fsr-3164	621	28	,	,	PUNCT
fsr-3164	621	29	and	and	CCONJ
fsr-3164	621	30	“	"	PUNCT
fsr-3164	621	31	0	0	NUM
fsr-3164	621	32	”	"	PUNCT
fsr-3164	621	33	if	if	SCONJ
fsr-3164	621	34	not	not	PART
fsr-3164	621	35	.	.	PUNCT
fsr-3164	622	1	5	5	NUM
fsr-3164	622	2	on	on	ADP
fsr-3164	622	3	average	average	ADJ
fsr-3164	622	4	,	,	PUNCT
fsr-3164	622	5	respondents	respondent	NOUN
fsr-3164	622	6	rated	rate	VERB
fsr-3164	622	7	their	their	PRON
fsr-3164	622	8	current	current	ADJ
fsr-3164	622	9	financial	financial	ADJ
fsr-3164	622	10	condition	condition	NOUN
fsr-3164	622	11	as	as	SCONJ
fsr-3164	622	12	5.72	5.72	NUM
fsr-3164	622	13	(	(	PUNCT
fsr-3164	622	14	scaled	scale	VERB
fsr-3164	622	15	from	from	ADP
fsr-3164	622	16	1	1	NUM
fsr-3164	622	17	,	,	PUNCT
fsr-3164	622	18	not	not	PART
fsr-3164	622	19	at	at	ADV
fsr-3164	622	20	all	all	ADV
fsr-3164	622	21	satisfied	satisfied	ADJ
fsr-3164	622	22	,	,	PUNCT
fsr-3164	622	23	to	to	ADP
fsr-3164	622	24	10	10	NUM
fsr-3164	622	25	,	,	PUNCT
fsr-3164	622	26	extremely	extremely	ADV
fsr-3164	622	27	satisfied	satisfied	ADJ
fsr-3164	622	28	)	)	PUNCT
fsr-3164	622	29	,	,	PUNCT
fsr-3164	622	30	overall	overall	ADJ
fsr-3164	622	31	financial	financial	ADJ
fsr-3164	622	32	knowledge	knowledge	NOUN
fsr-3164	622	33	as	as	ADP
fsr-3164	622	34	5.13	5.13	NUM
fsr-3164	622	35	(	(	PUNCT
fsr-3164	622	36	scaled	scale	VERB
fsr-3164	622	37	from	from	ADP
fsr-3164	622	38	1	1	NUM
fsr-3164	622	39	,	,	PUNCT
fsr-3164	622	40	very	very	ADV
fsr-3164	622	41	low	low	ADJ
fsr-3164	622	42	,	,	PUNCT
fsr-3164	622	43	to	to	ADP
fsr-3164	622	44	7	7	NUM
fsr-3164	622	45	,	,	PUNCT
fsr-3164	622	46	very	very	ADV
fsr-3164	622	47	high	high	ADJ
fsr-3164	622	48	)	)	PUNCT
fsr-3164	622	49	,	,	PUNCT
fsr-3164	622	50	and	and	CCONJ
fsr-3164	622	51	day	day	NOUN
fsr-3164	622	52	-	-	PUNCT
fsr-3164	622	53	to	to	ADP
fsr-3164	622	54	-	-	PUNCT
fsr-3164	622	55	day	day	NOUN
fsr-3164	622	56	financial	financial	ADJ
fsr-3164	622	57	matters	matter	NOUN
fsr-3164	622	58	as	as	ADP
fsr-3164	622	59	5.76	5.76	NUM
fsr-3164	622	60	(	(	PUNCT
fsr-3164	622	61	scaled	scale	VERB
fsr-3164	622	62	1	1	NUM
fsr-3164	622	63	,	,	PUNCT
fsr-3164	622	64	strongly	strongly	ADV
fsr-3164	622	65	disagree	disagree	VERB
fsr-3164	622	66	to	to	ADP
fsr-3164	622	67	10	10	NUM
fsr-3164	622	68	,	,	PUNCT
fsr-3164	622	69	strongly	strongly	ADV
fsr-3164	622	70	agree	agree	VERB
fsr-3164	622	71	)	)	PUNCT
fsr-3164	622	72	.	.	PUNCT
fsr-3164	623	1	then	then	ADV
fsr-3164	623	2	,	,	PUNCT
fsr-3164	623	3	a	a	DET
fsr-3164	623	4	binary	binary	ADJ
fsr-3164	623	5	variable	variable	NOUN
fsr-3164	623	6	as	as	ADP
fsr-3164	623	7	a	a	DET
fsr-3164	623	8	measure	measure	NOUN
fsr-3164	623	9	of	of	ADP
fsr-3164	623	10	composite	composite	ADJ
fsr-3164	623	11	financial	financial	ADJ
fsr-3164	623	12	confidence	confidence	NOUN
fsr-3164	623	13	was	be	AUX
fsr-3164	623	14	created	create	VERB
fsr-3164	623	15	by	by	ADP
fsr-3164	623	16	adding	add	VERB
fsr-3164	623	17	all	all	DET
fsr-3164	623	18	the	the	DET
fsr-3164	623	19	binary	binary	ADJ
fsr-3164	623	20	responses	response	NOUN
fsr-3164	623	21	to	to	ADP
fsr-3164	623	22	the	the	DET
fsr-3164	623	23	a.	a.	NOUN
fsr-3164	623	24	mussa	mussa	PROPN
fsr-3164	623	25	et	et	PROPN
fsr-3164	623	26	al	al	PROPN
fsr-3164	623	27	.	.	PUNCT
fsr-3164	623	28	/	/	SYM
fsr-3164	623	29	financial	financial	ADJ
fsr-3164	623	30	services	service	NOUN
fsr-3164	623	31	review	review	VERB
fsr-3164	623	32	30	30	NUM
fsr-3164	623	33	(	(	PUNCT
fsr-3164	623	34	2022	2022	NUM
fsr-3164	623	35	)	)	PUNCT
fsr-3164	623	36	273–296	273–296	NUM
fsr-3164	623	37	293	293	NUM
fsr-3164	623	38	three	three	NUM
fsr-3164	623	39	questions	question	NOUN
fsr-3164	623	40	and	and	CCONJ
fsr-3164	623	41	coded	code	VERB
fsr-3164	623	42	as	as	ADP
fsr-3164	623	43	“	"	PUNCT
fsr-3164	623	44	1	1	NUM
fsr-3164	623	45	”	"	PUNCT
fsr-3164	623	46	if	if	SCONJ
fsr-3164	623	47	the	the	DET
fsr-3164	623	48	overall	overall	ADJ
fsr-3164	623	49	score	score	NOUN
fsr-3164	623	50	is	be	AUX
fsr-3164	623	51	higher	high	ADJ
fsr-3164	623	52	than	than	ADP
fsr-3164	623	53	the	the	DET
fsr-3164	623	54	average	average	ADJ
fsr-3164	623	55	score	score	NOUN
fsr-3164	623	56	,	,	PUNCT
fsr-3164	623	57	and	and	CCONJ
fsr-3164	623	58	“	"	PUNCT
fsr-3164	623	59	0	0	NUM
fsr-3164	623	60	”	"	PUNCT
fsr-3164	623	61	if	if	SCONJ
fsr-3164	623	62	not	not	PART
fsr-3164	623	63	(	(	PUNCT
fsr-3164	623	64	see	see	VERB
fsr-3164	623	65	table	table	NOUN
fsr-3164	623	66	3	3	NUM
fsr-3164	623	67	for	for	ADP
fsr-3164	623	68	the	the	DET
fsr-3164	623	69	detail	detail	NOUN
fsr-3164	623	70	statistics	statistic	NOUN
fsr-3164	623	71	)	)	PUNCT
fsr-3164	623	72	.	.	PUNCT
fsr-3164	624	1	6	6	NUM
fsr-3164	624	2	(	(	PUNCT
fsr-3164	624	3	9	9	NUM
fsr-3164	624	4	)	)	PUNCT
fsr-3164	624	5	financial	financial	ADJ
fsr-3164	624	6	knowledge	knowledge	NOUN
fsr-3164	624	7	=	=	SYM
fsr-3164	624	8	0.124–0.099	0.124–0.099	NOUN
fsr-3164	624	9	*	*	NOUN
fsr-3164	624	10	0.51726	0.51726	NUM
fsr-3164	624	11	=	=	SYM
fsr-3164	624	12	0.072	0.072	NUM
fsr-3164	624	13	;	;	PUNCT
fsr-3164	624	14	financial	financial	ADJ
fsr-3164	624	15	confidence	confidence	NOUN
fsr-3164	624	16	=	=	SYM
fsr-3164	624	17	0.0825–0.099	0.0825–0.099	PROPN
fsr-3164	624	18	*	*	VERB
fsr-3164	624	19	0.5109	0.5109	NUM
fsr-3164	624	20	=	=	SYM
fsr-3164	624	21	0.0319	0.0319	NUM
fsr-3164	624	22	(	(	PUNCT
fsr-3164	624	23	10	10	NUM
fsr-3164	624	24	)	)	PUNCT
fsr-3164	624	25	financial	financial	ADJ
fsr-3164	624	26	knowledge	knowledge	NOUN
fsr-3164	624	27	=	=	SYM
fsr-3164	624	28	0.122–0.0898	0.122–0.0898	NOUN
fsr-3164	624	29	*	*	VERB
fsr-3164	624	30	0.51726	0.51726	NUM
fsr-3164	624	31	=	=	SYM
fsr-3164	624	32	0.076	0.076	NUM
fsr-3164	624	33	;	;	PUNCT
fsr-3164	624	34	financial	financial	ADJ
fsr-3164	624	35	confidence	confidence	NOUN
fsr-3164	624	36	=	=	PUNCT
fsr-3164	624	37	0.0794–0.0898	0.0794–0.0898	NOUN
fsr-3164	624	38	*	*	NOUN
fsr-3164	624	39	0.5109	0.5109	NUM
fsr-3164	624	40	=	=	SYM
fsr-3164	624	41	0.034	0.034	NUM
fsr-3164	624	42	7	7	NUM
fsr-3164	624	43	the	the	DET
fsr-3164	624	44	detailed	detailed	ADJ
fsr-3164	624	45	estimation	estimation	NOUN
fsr-3164	624	46	results	result	NOUN
fsr-3164	624	47	for	for	ADP
fsr-3164	624	48	these	these	DET
fsr-3164	624	49	demographic	demographic	ADJ
fsr-3164	624	50	and	and	CCONJ
fsr-3164	624	51	socio	socio	NOUN
fsr-3164	624	52	-	-	PUNCT
fsr-3164	624	53	economic	economic	ADJ
fsr-3164	624	54	variables	variable	NOUN
fsr-3164	624	55	will	will	AUX
fsr-3164	624	56	be	be	AUX
fsr-3164	624	57	available	available	ADJ
fsr-3164	624	58	upon	upon	SCONJ
fsr-3164	624	59	request	request	NOUN
fsr-3164	624	60	.	.	PUNCT
fsr-3164	625	1	appendix	appendix	ADJ
fsr-3164	625	2	table	table	NOUN
fsr-3164	625	3	a1	a1	NOUN
fsr-3164	625	4	logistic	logistic	ADJ
fsr-3164	625	5	regression	regression	NOUN
fsr-3164	625	6	predicting	predict	VERB
fsr-3164	625	7	a	a	DET
fsr-3164	625	8	measure	measure	NOUN
fsr-3164	625	9	of	of	ADP
fsr-3164	625	10	overall	overall	ADJ
fsr-3164	625	11	short	short	ADJ
fsr-3164	625	12	-	-	PUNCT
fsr-3164	625	13	term	term	NOUN
fsr-3164	625	14	financial	financial	ADJ
fsr-3164	625	15	behavior	behavior	NOUN
fsr-3164	625	16	by	by	ADP
fsr-3164	625	17	age	age	NOUN
fsr-3164	625	18	group	group	NOUN
fsr-3164	625	19	variables	variable	VERB
fsr-3164	625	20	age	age	NOUN
fsr-3164	625	21	group	group	PROPN
fsr-3164	625	22	igen	igen	PROPN
fsr-3164	625	23	/	/	SYM
fsr-3164	625	24	genz	genz	NOUN
fsr-3164	625	25	millennials	millennial	NOUN
fsr-3164	625	26	/	/	SYM
fsr-3164	625	27	geny	geny	PROPN
fsr-3164	625	28	genx	genx	PROPN
fsr-3164	625	29	baby	baby	PROPN
fsr-3164	625	30	boomers	boomer	NOUN
fsr-3164	625	31	financial	financial	ADJ
fsr-3164	625	32	knowledge	knowledge	NOUN
fsr-3164	625	33	0.0422	0.0422	NUM
fsr-3164	625	34	�	�	PROPN
fsr-3164	625	35	0.00818	0.00818	NUM
fsr-3164	625	36	0.0112	0.0112	NUM
fsr-3164	625	37	0.0377	0.0377	NUM
fsr-3164	625	38	*	*	PUNCT
fsr-3164	625	39	*	*	PUNCT
fsr-3164	625	40	(	(	PUNCT
fsr-3164	625	41	0.0264	0.0264	NUM
fsr-3164	625	42	)	)	PUNCT
fsr-3164	625	43	(	(	PUNCT
fsr-3164	625	44	0.0196	0.0196	NUM
fsr-3164	625	45	)	)	PUNCT
fsr-3164	625	46	(	(	PUNCT
fsr-3164	625	47	0.0122	0.0122	NUM
fsr-3164	625	48	)	)	PUNCT
fsr-3164	625	49	(	(	PUNCT
fsr-3164	625	50	0.0151	0.0151	NUM
fsr-3164	625	51	)	)	PUNCT
fsr-3164	625	52	financial	financial	ADJ
fsr-3164	625	53	confidence	confidence	NOUN
fsr-3164	625	54	0.183	0.183	NUM
fsr-3164	625	55	*	*	PUNCT
fsr-3164	625	56	*	*	PUNCT
fsr-3164	625	57	*	*	PUNCT
fsr-3164	625	58	0.225	0.225	NUM
fsr-3164	625	59	*	*	PUNCT
fsr-3164	625	60	*	*	PUNCT
fsr-3164	625	61	*	*	PUNCT
fsr-3164	625	62	0.178	0.178	NUM
fsr-3164	625	63	*	*	PUNCT
fsr-3164	625	64	*	*	PUNCT
fsr-3164	625	65	*	*	PUNCT
fsr-3164	625	66	0.198	0.198	NUM
fsr-3164	625	67	*	*	PUNCT
fsr-3164	625	68	*	*	PUNCT
fsr-3164	625	69	*	*	PUNCT
fsr-3164	625	70	(	(	PUNCT
fsr-3164	625	71	0.0411	0.0411	NUM
fsr-3164	625	72	)	)	PUNCT
fsr-3164	625	73	(	(	PUNCT
fsr-3164	625	74	0.0284	0.0284	NUM
fsr-3164	625	75	)	)	PUNCT
fsr-3164	625	76	(	(	PUNCT
fsr-3164	625	77	0.0151	0.0151	NUM
fsr-3164	625	78	)	)	PUNCT
fsr-3164	625	79	(	(	PUNCT
fsr-3164	625	80	0.0148	0.0148	NUM
fsr-3164	625	81	)	)	PUNCT
fsr-3164	625	82	financial	financial	ADJ
fsr-3164	625	83	knowledge*confidence	knowledge*confidence	NOUN
fsr-3164	625	84	0.0221	0.0221	NUM
fsr-3164	625	85	�	�	NOUN
fsr-3164	625	86	0.0224	0.0224	NUM
fsr-3164	625	87	0.0343	0.0343	NUM
fsr-3164	625	88	0.00596	0.00596	NUM
fsr-3164	625	89	(	(	PUNCT
fsr-3164	625	90	0.0556	0.0556	NUM
fsr-3164	625	91	)	)	PUNCT
fsr-3164	625	92	(	(	PUNCT
fsr-3164	625	93	0.0336	0.0336	NUM
fsr-3164	625	94	)	)	PUNCT
fsr-3164	625	95	(	(	PUNCT
fsr-3164	625	96	0.0230	0.0230	NUM
fsr-3164	625	97	)	)	PUNCT
fsr-3164	625	98	(	(	PUNCT
fsr-3164	625	99	0.0193	0.0193	NUM
fsr-3164	625	100	)	)	PUNCT
fsr-3164	625	101	tech	tech	NOUN
fsr-3164	625	102	-	-	PUNCT
fsr-3164	625	103	savvy	savvy	VERB
fsr-3164	625	104	�	�	PROPN
fsr-3164	625	105	0.0463	0.0463	PROPN
fsr-3164	625	106	*	*	SYM
fsr-3164	625	107	�	�	PROPN
fsr-3164	625	108	0.0193	0.0193	NUM
fsr-3164	625	109	�	�	PROPN
fsr-3164	625	110	0.0210	0.0210	NUM
fsr-3164	625	111	*	*	PUNCT
fsr-3164	625	112	�	�	PROPN
fsr-3164	625	113	0.0730	0.0730	NUM
fsr-3164	625	114	*	*	PUNCT
fsr-3164	625	115	*	*	PUNCT
fsr-3164	625	116	*	*	PUNCT
fsr-3164	625	117	(	(	PUNCT
fsr-3164	625	118	0.0242	0.0242	NUM
fsr-3164	625	119	)	)	PUNCT
fsr-3164	625	120	(	(	PUNCT
fsr-3164	625	121	0.0169	0.0169	NUM
fsr-3164	625	122	)	)	PUNCT
fsr-3164	625	123	(	(	PUNCT
fsr-3164	625	124	0.0116	0.0116	NUM
fsr-3164	625	125	)	)	PUNCT
fsr-3164	625	126	(	(	PUNCT
fsr-3164	625	127	0.0154	0.0154	NUM
fsr-3164	625	128	)	)	PUNCT
fsr-3164	625	129	pseudo	pseudo	NOUN
fsr-3164	625	130	r2	r2	NOUN
fsr-3164	625	131	0.174	0.174	NUM
fsr-3164	625	132	0.268	0.268	NUM
fsr-3164	625	133	0.202	0.202	NUM
fsr-3164	625	134	0.255	0.255	NUM
fsr-3164	625	135	observations	observation	NOUN
fsr-3164	625	136	1,326	1,326	NUM
fsr-3164	625	137	3,112	3,112	NUM
fsr-3164	625	138	6,849	6,849	NUM
fsr-3164	625	139	8,438	8,438	NUM
fsr-3164	625	140	note	note	NOUN
fsr-3164	625	141	.	.	PUNCT
fsr-3164	626	1	the	the	DET
fsr-3164	626	2	marginal	marginal	ADJ
fsr-3164	626	3	coefficients	coefficient	NOUN
fsr-3164	626	4	of	of	ADP
fsr-3164	626	5	other	other	ADJ
fsr-3164	626	6	control	control	NOUN
fsr-3164	626	7	variables	variable	NOUN
fsr-3164	626	8	(	(	PUNCT
fsr-3164	626	9	gender	gender	NOUN
fsr-3164	626	10	,	,	PUNCT
fsr-3164	626	11	education	education	NOUN
fsr-3164	626	12	level	level	NOUN
fsr-3164	626	13	,	,	PUNCT
fsr-3164	626	14	employment	employment	NOUN
fsr-3164	626	15	status	status	NOUN
fsr-3164	626	16	,	,	PUNCT
fsr-3164	626	17	marital	marital	ADJ
fsr-3164	626	18	status	status	NOUN
fsr-3164	626	19	,	,	PUNCT
fsr-3164	626	20	income	income	NOUN
fsr-3164	626	21	,	,	PUNCT
fsr-3164	626	22	race	race	NOUN
fsr-3164	626	23	,	,	PUNCT
fsr-3164	626	24	risk	risk	NOUN
fsr-3164	626	25	level	level	NOUN
fsr-3164	626	26	measures	measure	NOUN
fsr-3164	626	27	,	,	PUNCT
fsr-3164	626	28	and	and	CCONJ
fsr-3164	626	29	credit	credit	NOUN
fsr-3164	626	30	score	score	NOUN
fsr-3164	626	31	)	)	PUNCT
fsr-3164	626	32	are	be	AUX
fsr-3164	626	33	included	include	VERB
fsr-3164	626	34	in	in	ADP
fsr-3164	626	35	the	the	DET
fsr-3164	626	36	regression	regression	NOUN
fsr-3164	626	37	,	,	PUNCT
fsr-3164	626	38	not	not	PART
fsr-3164	626	39	reported	report	VERB
fsr-3164	626	40	here	here	ADV
fsr-3164	626	41	.	.	PUNCT
fsr-3164	627	1	standard	standard	ADJ
fsr-3164	627	2	errors	error	NOUN
fsr-3164	627	3	in	in	ADP
fsr-3164	627	4	parentheses	parenthesis	NOUN
fsr-3164	627	5	:	:	PUNCT
fsr-3164	627	6	*	*	PUNCT
fsr-3164	627	7	*	*	PUNCT
fsr-3164	627	8	*	*	PUNCT
fsr-3164	627	9	p	p	X
fsr-3164	627	10	<	<	X
fsr-3164	627	11	.01	.01	NUM
fsr-3164	627	12	,	,	PUNCT
fsr-3164	627	13	*	*	PUNCT
fsr-3164	627	14	*	*	PUNCT
fsr-3164	627	15	p	p	X
fsr-3164	627	16	<	<	X
fsr-3164	627	17	.05	.05	NUM
fsr-3164	627	18	,	,	PUNCT
fsr-3164	627	19	*	*	PUNCT
fsr-3164	627	20	p	p	X
fsr-3164	627	21	<	<	X
fsr-3164	627	22	.1	.1	NUM
fsr-3164	627	23	.	.	PUNCT
fsr-3164	628	1	294	294	NUM
fsr-3164	628	2	a.	a.	NOUN
fsr-3164	628	3	mussa	mussa	PROPN
fsr-3164	628	4	et	et	PROPN
fsr-3164	628	5	al	al	PROPN
fsr-3164	628	6	.	.	PUNCT
fsr-3164	628	7	/	/	SYM
fsr-3164	628	8	financial	financial	ADJ
fsr-3164	628	9	services	service	NOUN
fsr-3164	628	10	review	review	VERB
fsr-3164	628	11	30	30	NUM
fsr-3164	628	12	(	(	PUNCT
fsr-3164	628	13	2022	2022	NUM
fsr-3164	628	14	)	)	PUNCT
fsr-3164	629	1	273–296	273–296	NUM
fsr-3164	629	2	references	reference	NOUN
fsr-3164	629	3	asaad	asaad	VERB
fsr-3164	629	4	,	,	PUNCT
fsr-3164	629	5	c.	c.	PROPN
fsr-3164	629	6	(	(	PUNCT
fsr-3164	629	7	2015	2015	NUM
fsr-3164	629	8	)	)	PUNCT
fsr-3164	629	9	.	.	PUNCT
fsr-3164	630	1	financial	financial	ADJ
fsr-3164	630	2	literacy	literacy	NOUN
fsr-3164	630	3	and	and	CCONJ
fsr-3164	630	4	financial	financial	ADJ
fsr-3164	630	5	behavior	behavior	NOUN
fsr-3164	630	6	:	:	PUNCT
fsr-3164	630	7	assessing	assess	VERB
fsr-3164	630	8	knowledge	knowledge	NOUN
fsr-3164	630	9	and	and	CCONJ
fsr-3164	630	10	confidence	confidence	NOUN
fsr-3164	630	11	.	.	PUNCT
fsr-3164	631	1	financial	financial	ADJ
fsr-3164	631	2	services	service	NOUN
fsr-3164	631	3	review	review	PROPN
fsr-3164	631	4	,	,	PUNCT
fsr-3164	631	5	24	24	NUM
fsr-3164	631	6	,	,	PUNCT
fsr-3164	631	7	101	101	NUM
fsr-3164	631	8	-	-	SYM
fsr-3164	631	9	117	117	NUM
fsr-3164	631	10	.	.	PUNCT
fsr-3164	632	1	berraies	berraie	NOUN
fsr-3164	632	2	,	,	PUNCT
fsr-3164	632	3	s.	s.	PROPN
fsr-3164	632	4	,	,	PUNCT
fsr-3164	632	5	ben	ben	PROPN
fsr-3164	632	6	yahia	yahia	PROPN
fsr-3164	632	7	,	,	PUNCT
fsr-3164	632	8	k.	k.	PROPN
fsr-3164	632	9	,	,	PUNCT
fsr-3164	632	10	&	&	CCONJ
fsr-3164	632	11	hannachi	hannachi	PROPN
fsr-3164	632	12	,	,	PUNCT
fsr-3164	632	13	m.	m.	NOUN
fsr-3164	632	14	(	(	PUNCT
fsr-3164	632	15	2017	2017	NUM
fsr-3164	632	16	)	)	PUNCT
fsr-3164	632	17	.	.	PUNCT
fsr-3164	633	1	identifying	identify	VERB
fsr-3164	633	2	the	the	DET
fsr-3164	633	3	effects	effect	NOUN
fsr-3164	633	4	of	of	ADP
fsr-3164	633	5	perceived	perceive	VERB
fsr-3164	633	6	values	value	NOUN
fsr-3164	633	7	of	of	ADP
fsr-3164	633	8	mobile	mobile	ADJ
fsr-3164	633	9	banking	banking	NOUN
fsr-3164	633	10	applications	application	NOUN
fsr-3164	633	11	on	on	ADP
fsr-3164	633	12	customers	customer	NOUN
fsr-3164	633	13	.	.	PUNCT
fsr-3164	634	1	international	international	ADJ
fsr-3164	634	2	journal	journal	PROPN
fsr-3164	634	3	of	of	ADP
fsr-3164	634	4	bank	bank	PROPN
fsr-3164	634	5	marketing	marketing	NOUN
fsr-3164	634	6	,	,	PUNCT
fsr-3164	634	7	35	35	NUM
fsr-3164	634	8	,	,	PUNCT
fsr-3164	634	9	1018–1038	1018–1038	NUM
fsr-3164	634	10	.	.	PUNCT
fsr-3164	635	1	https://doi.org/10.1108/	https://doi.org/10.1108/	PROPN
fsr-3164	635	2	ijbm-09	ijbm-09	PROPN
fsr-3164	635	3	-	-	PUNCT
fsr-3164	635	4	2016	2016	NUM
fsr-3164	635	5	-	-	PUNCT
fsr-3164	635	6	0137	0137	NUM
fsr-3164	635	7	beverly	beverly	PROPN
fsr-3164	635	8	,	,	PUNCT
fsr-3164	635	9	s.	s.	PROPN
fsr-3164	635	10	,	,	PUNCT
fsr-3164	635	11	hilgert	hilgert	PROPN
fsr-3164	635	12	,	,	PUNCT
fsr-3164	635	13	m.	m.	NOUN
fsr-3164	635	14	,	,	PUNCT
fsr-3164	635	15	&	&	CCONJ
fsr-3164	635	16	hogarth	hogarth	PROPN
fsr-3164	635	17	,	,	PUNCT
fsr-3164	635	18	j.	j.	PROPN
fsr-3164	635	19	(	(	PUNCT
fsr-3164	635	20	2003	2003	NUM
fsr-3164	635	21	)	)	PUNCT
fsr-3164	635	22	.	.	PUNCT
fsr-3164	636	1	household	household	NOUN
fsr-3164	636	2	financial	financial	ADJ
fsr-3164	636	3	management	management	NOUN
fsr-3164	636	4	:	:	PUNCT
fsr-3164	636	5	the	the	DET
fsr-3164	636	6	connection	connection	NOUN
fsr-3164	636	7	between	between	ADP
fsr-3164	636	8	knowledge	knowledge	NOUN
fsr-3164	636	9	and	and	CCONJ
fsr-3164	636	10	behavior	behavior	NOUN
fsr-3164	636	11	.	.	PUNCT
fsr-3164	637	1	federal	federal	PROPN
fsr-3164	637	2	reserve	reserve	PROPN
fsr-3164	637	3	bulletin	bulletin	PROPN
fsr-3164	637	4	,	,	PUNCT
fsr-3164	637	5	july	july	PROPN
fsr-3164	637	6	,	,	PUNCT
fsr-3164	637	7	309–322	309–322	NUM
fsr-3164	637	8	.	.	PUNCT
fsr-3164	638	1	carlsson	carlsson	PROPN
fsr-3164	638	2	,	,	PUNCT
fsr-3164	638	3	h.	h.	PROPN
fsr-3164	638	4	,	,	PUNCT
fsr-3164	638	5	larsson	larsson	PROPN
fsr-3164	638	6	,	,	PUNCT
fsr-3164	638	7	s.	s.	PROPN
fsr-3164	638	8	,	,	PUNCT
fsr-3164	638	9	svensson	svensson	PROPN
fsr-3164	638	10	,	,	PUNCT
fsr-3164	638	11	l.	l.	PROPN
fsr-3164	638	12	,	,	PUNCT
fsr-3164	638	13	&	&	CCONJ
fsr-3164	638	14	åström	åström	PROPN
fsr-3164	638	15	,	,	PUNCT
fsr-3164	638	16	f.	f.	PROPN
fsr-3164	638	17	(	(	PUNCT
fsr-3164	638	18	2017	2017	NUM
fsr-3164	638	19	)	)	PUNCT
fsr-3164	638	20	.	.	PUNCT
fsr-3164	639	1	consumer	consumer	NOUN
fsr-3164	639	2	credit	credit	NOUN
fsr-3164	639	3	behavior	behavior	NOUN
fsr-3164	639	4	in	in	ADP
fsr-3164	639	5	the	the	DET
fsr-3164	639	6	digital	digital	ADJ
fsr-3164	639	7	context	context	NOUN
fsr-3164	639	8	:	:	PUNCT
fsr-3164	639	9	a	a	DET
fsr-3164	639	10	bibliometric	bibliometric	ADJ
fsr-3164	639	11	analysis	analysis	NOUN
fsr-3164	639	12	and	and	CCONJ
fsr-3164	639	13	literature	literature	NOUN
fsr-3164	639	14	review	review	PROPN
fsr-3164	639	15	.	.	PUNCT
fsr-3164	640	1	journal	journal	PROPN
fsr-3164	640	2	of	of	ADP
fsr-3164	640	3	financial	financial	ADJ
fsr-3164	640	4	counseling	counseling	NOUN
fsr-3164	640	5	and	and	CCONJ
fsr-3164	640	6	planning	planning	NOUN
fsr-3164	640	7	,	,	PUNCT
fsr-3164	640	8	28	28	NUM
fsr-3164	640	9	,	,	PUNCT
fsr-3164	640	10	76–94	76–94	NUM
fsr-3164	640	11	.	.	PUNCT
fsr-3164	641	1	https://doi.org/10.1891/1052-3073.28.1.76	https://doi.org/10.1891/1052-3073.28.1.76	PROPN
fsr-3164	641	2	chan	chan	PROPN
fsr-3164	641	3	,	,	PUNCT
fsr-3164	641	4	e.	e.	PROPN
fsr-3164	641	5	,	,	PUNCT
fsr-3164	641	6	&	&	CCONJ
fsr-3164	641	7	saqib	saqib	PROPN
fsr-3164	641	8	,	,	PUNCT
fsr-3164	641	9	n.	n.	NOUN
fsr-3164	641	10	(	(	PUNCT
fsr-3164	641	11	2015	2015	NUM
fsr-3164	641	12	)	)	PUNCT
fsr-3164	641	13	.	.	PUNCT
fsr-3164	642	1	online	online	ADJ
fsr-3164	642	2	social	social	ADJ
fsr-3164	642	3	networking	networking	NOUN
fsr-3164	642	4	increases	increase	VERB
fsr-3164	642	5	financial	financial	ADJ
fsr-3164	642	6	risk	risk	NOUN
fsr-3164	642	7	taking	taking	NOUN
fsr-3164	642	8	.	.	PUNCT
fsr-3164	643	1	apasia	apasia	PROPN
fsr-3164	643	2	-	-	PUNCT
fsr-3164	643	3	pacific	pacific	PROPN
fsr-3164	643	4	advances	advance	NOUN
fsr-3164	643	5	in	in	ADP
fsr-3164	643	6	consumer	consumer	NOUN
fsr-3164	643	7	research	research	NOUN
fsr-3164	643	8	,	,	PUNCT
fsr-3164	643	9	11	11	NUM
fsr-3164	643	10	,	,	PUNCT
fsr-3164	643	11	105	105	NUM
fsr-3164	643	12	.	.	PUNCT
fsr-3164	644	1	dhanapal	dhanapal	PROPN
fsr-3164	644	2	,	,	PUNCT
fsr-3164	644	3	s.	s.	PROPN
fsr-3164	644	4	,	,	PUNCT
fsr-3164	644	5	vashu	vashu	PROPN
fsr-3164	644	6	,	,	PUNCT
fsr-3164	644	7	d.	d.	PROPN
fsr-3164	644	8	,	,	PUNCT
fsr-3164	644	9	&	&	CCONJ
fsr-3164	644	10	subramaniam	subramaniam	PROPN
fsr-3164	644	11	,	,	PUNCT
fsr-3164	644	12	t.	t.	PROPN
fsr-3164	644	13	(	(	PUNCT
fsr-3164	644	14	2015	2015	NUM
fsr-3164	644	15	)	)	PUNCT
fsr-3164	644	16	.	.	PUNCT
fsr-3164	645	1	perceptions	perception	NOUN
fsr-3164	645	2	on	on	ADP
fsr-3164	645	3	the	the	DET
fsr-3164	645	4	challenges	challenge	NOUN
fsr-3164	645	5	of	of	ADP
fsr-3164	645	6	online	online	ADJ
fsr-3164	645	7	purchasing	purchasing	NOUN
fsr-3164	645	8	:	:	PUNCT
fsr-3164	645	9	a	a	DET
fsr-3164	645	10	study	study	NOUN
fsr-3164	645	11	from	from	ADP
fsr-3164	645	12	‘	'	PUNCT
fsr-3164	645	13	baby	baby	NOUN
fsr-3164	645	14	boomers	boomer	NOUN
fsr-3164	645	15	’	'	PUNCT
fsr-3164	645	16	,	,	PUNCT
fsr-3164	645	17	generation	generation	NOUN
fsr-3164	645	18	‘	'	PUNCT
fsr-3164	645	19	x	x	NOUN
fsr-3164	645	20	’	'	PUNCT
fsr-3164	645	21	and	and	CCONJ
fsr-3164	645	22	generation	generation	NOUN
fsr-3164	645	23	‘	'	PUNCT
fsr-3164	645	24	y	y	NOUN
fsr-3164	645	25	’	'	PUNCT
fsr-3164	645	26	point	point	NOUN
fsr-3164	645	27	of	of	ADP
fsr-3164	645	28	views	view	NOUN
fsr-3164	645	29	.	.	PUNCT
fsr-3164	646	1	contadurı́a	contadurı́a	NOUN
fsr-3164	646	2	y	y	PROPN
fsr-3164	646	3	administración	administración	NOUN
fsr-3164	646	4	,	,	PUNCT
fsr-3164	646	5	60	60	NUM
fsr-3164	646	6	,	,	PUNCT
fsr-3164	646	7	107–132	107–132	NUM
fsr-3164	646	8	.	.	PUNCT
fsr-3164	647	1	https://doi.org/10.1016/j.cya.2015.08.003	https://doi.org/10.1016/j.cya.2015.08.003	NOUN
fsr-3164	647	2	dell	dell	PROPN
fsr-3164	647	3	,	,	PUNCT
fsr-3164	647	4	k.	k.	PROPN
fsr-3164	647	5	,	,	PUNCT
fsr-3164	647	6	&	&	CCONJ
fsr-3164	647	7	nestoriak	nestoriak	PROPN
fsr-3164	647	8	,	,	PUNCT
fsr-3164	647	9	n.	n.	PROPN
fsr-3164	647	10	(	(	PUNCT
fsr-3164	647	11	2020	2020	NUM
fsr-3164	647	12	)	)	PUNCT
fsr-3164	647	13	.	.	PUNCT
fsr-3164	648	1	assessing	assess	VERB
fsr-3164	648	2	the	the	DET
fsr-3164	648	3	impact	impact	NOUN
fsr-3164	648	4	of	of	ADP
fsr-3164	648	5	new	new	ADJ
fsr-3164	648	6	technologies	technology	NOUN
fsr-3164	648	7	on	on	ADP
fsr-3164	648	8	the	the	DET
fsr-3164	648	9	labor	labor	NOUN
fsr-3164	648	10	market	market	NOUN
fsr-3164	648	11	:	:	PUNCT
fsr-3164	648	12	key	key	ADJ
fsr-3164	648	13	constructs	construct	NOUN
fsr-3164	648	14	,	,	PUNCT
fsr-3164	648	15	gaps	gap	NOUN
fsr-3164	648	16	,	,	PUNCT
fsr-3164	648	17	and	and	CCONJ
fsr-3164	648	18	data	datum	NOUN
fsr-3164	648	19	collection	collection	NOUN
fsr-3164	648	20	strategies	strategy	NOUN
fsr-3164	648	21	for	for	ADP
fsr-3164	648	22	the	the	DET
fsr-3164	648	23	bureau	bureau	PROPN
fsr-3164	648	24	of	of	ADP
fsr-3164	648	25	labor	labor	PROPN
fsr-3164	648	26	statistics	statistic	NOUN
fsr-3164	648	27	.	.	PUNCT
fsr-3164	649	1	available	available	ADJ
fsr-3164	649	2	at	at	ADP
fsr-3164	649	3	https://	https://	PROPN
fsr-3164	649	4	www.bls.gov/bls/congressional-reports/assessing-the-impact-of-new-technologies-on-the-labor-market.htm	www.bls.gov/bls/congressional-reports/assessing-the-impact-of-new-technologies-on-the-labor-market.htm	PROPN
fsr-3164	649	5	de	de	PROPN
fsr-3164	649	6	meza	meza	PROPN
fsr-3164	649	7	,	,	PUNCT
fsr-3164	649	8	d.	d.	PROPN
fsr-3164	649	9	,	,	PUNCT
fsr-3164	649	10	irlenbusch	irlenbusch	PROPN
fsr-3164	649	11	,	,	PUNCT
fsr-3164	649	12	b.	b.	PROPN
fsr-3164	649	13	,	,	PUNCT
fsr-3164	649	14	&	&	CCONJ
fsr-3164	649	15	reyniers	reyniers	PROPN
fsr-3164	649	16	,	,	PUNCT
fsr-3164	649	17	d.	d.	PROPN
fsr-3164	649	18	(	(	PUNCT
fsr-3164	649	19	2008	2008	NUM
fsr-3164	649	20	)	)	PUNCT
fsr-3164	649	21	.	.	PUNCT
fsr-3164	650	1	financial	financial	ADJ
fsr-3164	650	2	capability	capability	NOUN
fsr-3164	650	3	:	:	PUNCT
fsr-3164	650	4	a	a	DET
fsr-3164	650	5	behavioral	behavioral	ADJ
fsr-3164	650	6	economics	economic	NOUN
fsr-3164	650	7	perspective	perspective	NOUN
fsr-3164	650	8	.	.	PUNCT
fsr-3164	651	1	consumer	consumer	NOUN
fsr-3164	651	2	research	research	NOUN
fsr-3164	651	3	,	,	PUNCT
fsr-3164	651	4	69	69	NUM
fsr-3164	651	5	,	,	PUNCT
fsr-3164	651	6	1–108	1–108	NUM
fsr-3164	651	7	.	.	PUNCT
fsr-3164	652	1	federal	federal	PROPN
fsr-3164	652	2	reserve	reserve	PROPN
fsr-3164	652	3	board	board	PROPN
fsr-3164	652	4	.	.	PUNCT
fsr-3164	653	1	(	(	PUNCT
fsr-3164	653	2	2016	2016	NUM
fsr-3164	653	3	)	)	PUNCT
fsr-3164	653	4	.	.	PUNCT
fsr-3164	654	1	consumers	consumer	NOUN
fsr-3164	654	2	and	and	CCONJ
fsr-3164	654	3	mobile	mobile	ADJ
fsr-3164	654	4	financial	financial	ADJ
fsr-3164	654	5	services	service	NOUN
fsr-3164	654	6	.	.	PUNCT
fsr-3164	654	7	available	available	ADJ
fsr-3164	654	8	at	at	ADP
fsr-3164	654	9	https://www	https://www	PROPN
fsr-3164	654	10	.	.	PUNCT
fsr-3164	655	1	federalreserve.gov/econresdata/consumers-and-mobile-financial-services-report-201603.pdf	federalreserve.gov/econresdata/consumers-and-mobile-financial-services-report-201603.pdf	PROPN
fsr-3164	655	2	federal	federal	PROPN
fsr-3164	655	3	student	student	NOUN
fsr-3164	655	4	act	act	PROPN
fsr-3164	655	5	q2	q2	PROPN
fsr-3164	655	6	.	.	PUNCT
fsr-3164	656	1	(	(	PUNCT
fsr-3164	656	2	2009	2009	NUM
fsr-3164	656	3	)	)	PUNCT
fsr-3164	656	4	.	.	PUNCT
fsr-3164	657	1	available	available	ADJ
fsr-3164	657	2	at	at	ADP
fsr-3164	657	3	https://studentaid.gov/data-center/student/portfolio	https://studentaid.gov/data-center/student/portfolio	ADV
fsr-3164	657	4	garrett	garrett	PROPN
fsr-3164	657	5	,	,	PUNCT
fsr-3164	657	6	j.	j.	PROPN
fsr-3164	657	7	,	,	PUNCT
fsr-3164	657	8	&	&	CCONJ
fsr-3164	657	9	rodermund	rodermund	PROPN
fsr-3164	657	10	,	,	PUNCT
fsr-3164	657	11	r.	r.	PROPN
fsr-3164	657	12	,	,	PUNCT
fsr-3164	657	13	&	&	CCONJ
fsr-3164	657	14	anderson	anderson	PROPN
fsr-3164	657	15	,	,	PUNCT
fsr-3164	657	16	n.	n.	PROPN
fsr-3164	657	17	,	,	PUNCT
fsr-3164	657	18	&	&	CCONJ
fsr-3164	657	19	berkowitz	berkowitz	PROPN
fsr-3164	657	20	,	,	PUNCT
fsr-3164	657	21	s.	s.	PROPN
fsr-3164	657	22	,	,	PUNCT
fsr-3164	657	23	&	&	CCONJ
fsr-3164	657	24	robb	robb	PROPN
fsr-3164	657	25	,	,	PUNCT
fsr-3164	657	26	c.	c.	PROPN
fsr-3164	657	27	(	(	PUNCT
fsr-3164	657	28	2014	2014	NUM
fsr-3164	657	29	)	)	PUNCT
fsr-3164	657	30	.	.	PUNCT
fsr-3164	658	1	adoption	adoption	NOUN
fsr-3164	658	2	of	of	ADP
fsr-3164	658	3	mobile	mobile	ADJ
fsr-3164	658	4	payment	payment	NOUN
fsr-3164	658	5	technology	technology	NOUN
fsr-3164	658	6	by	by	ADP
fsr-3164	658	7	consumers	consumer	NOUN
fsr-3164	658	8	.	.	PUNCT
fsr-3164	659	1	family	family	NOUN
fsr-3164	659	2	and	and	CCONJ
fsr-3164	659	3	consumer	consumer	NOUN
fsr-3164	659	4	sciences	sciences	PROPN
fsr-3164	659	5	research	research	NOUN
fsr-3164	659	6	journal	journal	NOUN
fsr-3164	659	7	,	,	PUNCT
fsr-3164	659	8	42	42	NUM
fsr-3164	659	9	,	,	PUNCT
fsr-3164	659	10	358–368	358–368	NUM
fsr-3164	659	11	.	.	PUNCT
fsr-3164	659	12	https://doi.org/	https://doi.org/	PROPN
fsr-3164	659	13	10.1111	10.1111	NUM
fsr-3164	659	14	/	/	SYM
fsr-3164	659	15	fcsr.12069	fcsr.12069	PROPN
fsr-3164	659	16	table	table	NOUN
fsr-3164	659	17	a2	a2	PROPN
fsr-3164	659	18	logistic	logistic	ADJ
fsr-3164	659	19	regression	regression	NOUN
fsr-3164	659	20	predicting	predict	VERB
fsr-3164	659	21	a	a	DET
fsr-3164	659	22	measure	measure	NOUN
fsr-3164	659	23	of	of	ADP
fsr-3164	659	24	overall	overall	ADJ
fsr-3164	659	25	short	short	ADJ
fsr-3164	659	26	-	-	PUNCT
fsr-3164	659	27	term	term	NOUN
fsr-3164	659	28	financial	financial	ADJ
fsr-3164	659	29	behavior	behavior	NOUN
fsr-3164	659	30	by	by	ADP
fsr-3164	659	31	age	age	NOUN
fsr-3164	659	32	group	group	NOUN
fsr-3164	659	33	variables	variable	NOUN
fsr-3164	659	34	igen	igen	PROPN
fsr-3164	659	35	/	/	SYM
fsr-3164	659	36	genz	genz	NOUN
fsr-3164	659	37	millennials	millennial	NOUN
fsr-3164	659	38	/	/	SYM
fsr-3164	659	39	geny	geny	PROPN
fsr-3164	659	40	genx	genx	PROPN
fsr-3164	659	41	baby	baby	PROPN
fsr-3164	659	42	boomers	boomer	NOUN
fsr-3164	659	43	financial	financial	ADJ
fsr-3164	659	44	knowledge	knowledge	NOUN
fsr-3164	659	45	0.0416	0.0416	NUM
fsr-3164	659	46	�	�	NOUN
fsr-3164	659	47	0.00805	0.00805	NUM
fsr-3164	659	48	0.0113	0.0113	NUM
fsr-3164	659	49	0.0381	0.0381	NUM
fsr-3164	659	50	*	*	PUNCT
fsr-3164	659	51	*	*	PUNCT
fsr-3164	659	52	(	(	PUNCT
fsr-3164	659	53	0.0265	0.0265	NUM
fsr-3164	659	54	)	)	PUNCT
fsr-3164	659	55	(	(	PUNCT
fsr-3164	659	56	0.0196	0.0196	NUM
fsr-3164	659	57	)	)	PUNCT
fsr-3164	659	58	(	(	PUNCT
fsr-3164	659	59	0.0122	0.0122	NUM
fsr-3164	659	60	)	)	PUNCT
fsr-3164	659	61	(	(	PUNCT
fsr-3164	659	62	0.0151	0.0151	NUM
fsr-3164	659	63	)	)	PUNCT
fsr-3164	659	64	financial	financial	ADJ
fsr-3164	659	65	confidence	confidence	NOUN
fsr-3164	659	66	0.174	0.174	NUM
fsr-3164	659	67	*	*	PUNCT
fsr-3164	659	68	*	*	PUNCT
fsr-3164	659	69	*	*	PUNCT
fsr-3164	659	70	0.231	0.231	NUM
fsr-3164	659	71	*	*	PUNCT
fsr-3164	659	72	*	*	PUNCT
fsr-3164	659	73	*	*	PUNCT
fsr-3164	659	74	0.182	0.182	NUM
fsr-3164	659	75	*	*	PUNCT
fsr-3164	659	76	*	*	PUNCT
fsr-3164	659	77	*	*	PUNCT
fsr-3164	659	78	0.198	0.198	NUM
fsr-3164	659	79	*	*	PUNCT
fsr-3164	659	80	*	*	PUNCT
fsr-3164	659	81	*	*	PUNCT
fsr-3164	659	82	(	(	PUNCT
fsr-3164	659	83	0.0413	0.0413	NUM
fsr-3164	659	84	)	)	PUNCT
fsr-3164	659	85	(	(	PUNCT
fsr-3164	659	86	0.0286	0.0286	NUM
fsr-3164	659	87	)	)	PUNCT
fsr-3164	659	88	(	(	PUNCT
fsr-3164	659	89	0.0152	0.0152	NUM
fsr-3164	659	90	)	)	PUNCT
fsr-3164	659	91	(	(	PUNCT
fsr-3164	659	92	0.0148	0.0148	NUM
fsr-3164	659	93	)	)	PUNCT
fsr-3164	659	94	financial	financial	ADJ
fsr-3164	659	95	knowledge*confidence	knowledge*confidence	NOUN
fsr-3164	659	96	0.0219	0.0219	NUM
fsr-3164	659	97	�	�	NOUN
fsr-3164	659	98	0.0267	0.0267	NUM
fsr-3164	659	99	0.0298	0.0298	NUM
fsr-3164	659	100	0.00513	0.00513	NUM
fsr-3164	659	101	(	(	PUNCT
fsr-3164	659	102	0.0555	0.0555	NUM
fsr-3164	659	103	)	)	PUNCT
fsr-3164	659	104	(	(	PUNCT
fsr-3164	659	105	0.0337	0.0337	NUM
fsr-3164	659	106	)	)	PUNCT
fsr-3164	659	107	(	(	PUNCT
fsr-3164	659	108	0.0230	0.0230	NUM
fsr-3164	659	109	)	)	PUNCT
fsr-3164	659	110	(	(	PUNCT
fsr-3164	659	111	0.0193	0.0193	NUM
fsr-3164	659	112	)	)	PUNCT
fsr-3164	659	113	mobile	mobile	ADJ
fsr-3164	659	114	use	use	NOUN
fsr-3164	659	115	in	in	ADP
fsr-3164	659	116	person	person	NOUN
fsr-3164	659	117	0.0668	0.0668	NUM
fsr-3164	659	118	*	*	SYM
fsr-3164	659	119	�	�	PROPN
fsr-3164	659	120	0.000904	0.000904	NUM
fsr-3164	659	121	0.00223	0.00223	NUM
fsr-3164	659	122	�	�	NOUN
fsr-3164	659	123	0.0136	0.0136	NUM
fsr-3164	659	124	(	(	PUNCT
fsr-3164	659	125	0.0354	0.0354	NUM
fsr-3164	659	126	)	)	PUNCT
fsr-3164	659	127	(	(	PUNCT
fsr-3164	659	128	0.0233	0.0233	NUM
fsr-3164	659	129	)	)	PUNCT
fsr-3164	659	130	(	(	PUNCT
fsr-3164	659	131	0.0163	0.0163	NUM
fsr-3164	659	132	)	)	PUNCT
fsr-3164	659	133	(	(	PUNCT
fsr-3164	659	134	0.0245	0.0245	NUM
fsr-3164	659	135	)	)	PUNCT
fsr-3164	659	136	mobile	mobile	ADJ
fsr-3164	659	137	use	use	NOUN
fsr-3164	659	138	for	for	ADP
fsr-3164	659	139	transfer	transfer	NOUN
fsr-3164	659	140	�	�	NOUN
fsr-3164	659	141	0.0600	0.0600	NUM
fsr-3164	659	142	*	*	SYM
fsr-3164	659	143	*	*	PUNCT
fsr-3164	659	144	�	�	PROPN
fsr-3164	659	145	0.0285	0.0285	NUM
fsr-3164	659	146	�	�	PROPN
fsr-3164	659	147	0.0323	0.0323	NUM
fsr-3164	659	148	*	*	PUNCT
fsr-3164	659	149	�	�	PROPN
fsr-3164	659	150	0.104	0.104	NUM
fsr-3164	659	151	*	*	PUNCT
fsr-3164	659	152	*	*	PUNCT
fsr-3164	659	153	*	*	PUNCT
fsr-3164	659	154	(	(	PUNCT
fsr-3164	659	155	0.0297	0.0297	NUM
fsr-3164	659	156	)	)	PUNCT
fsr-3164	659	157	(	(	PUNCT
fsr-3164	659	158	0.0221	0.0221	NUM
fsr-3164	659	159	)	)	PUNCT
fsr-3164	659	160	(	(	PUNCT
fsr-3164	659	161	0.0183	0.0183	NUM
fsr-3164	659	162	)	)	PUNCT
fsr-3164	659	163	(	(	PUNCT
fsr-3164	659	164	0.0325	0.0325	NUM
fsr-3164	659	165	)	)	PUNCT
fsr-3164	659	166	web	web	NOUN
fsr-3164	659	167	and	and	CCONJ
fsr-3164	659	168	app	app	NOUN
fsr-3164	659	169	for	for	ADP
fsr-3164	659	170	personal	personal	ADJ
fsr-3164	659	171	use	use	NOUN
fsr-3164	659	172	�	�	PROPN
fsr-3164	659	173	0.0440	0.0440	NUM
fsr-3164	659	174	�	�	PROPN
fsr-3164	659	175	0.0102	0.0102	NUM
fsr-3164	659	176	�	�	PROPN
fsr-3164	659	177	0.0244	0.0244	NUM
fsr-3164	659	178	�	�	NOUN
fsr-3164	659	179	0.0440	0.0440	NUM
fsr-3164	659	180	*	*	NOUN
fsr-3164	659	181	*	*	PUNCT
fsr-3164	659	182	(	(	PUNCT
fsr-3164	659	183	0.0326	0.0326	NUM
fsr-3164	659	184	)	)	PUNCT
fsr-3164	659	185	(	(	PUNCT
fsr-3164	659	186	0.0218	0.0218	NUM
fsr-3164	659	187	)	)	PUNCT
fsr-3164	659	188	(	(	PUNCT
fsr-3164	659	189	0.0164	0.0164	NUM
fsr-3164	659	190	)	)	PUNCT
fsr-3164	659	191	(	(	PUNCT
fsr-3164	659	192	0.0220	0.0220	NUM
fsr-3164	659	193	)	)	PUNCT
fsr-3164	659	194	web	web	NOUN
fsr-3164	659	195	and	and	CCONJ
fsr-3164	659	196	app	app	NOUN
fsr-3164	659	197	use	use	NOUN
fsr-3164	659	198	for	for	ADP
fsr-3164	659	199	work	work	NOUN
fsr-3164	659	200	0.0463	0.0463	NUM
fsr-3164	659	201	�	�	SYM
fsr-3164	659	202	0.0364	0.0364	NUM
fsr-3164	659	203	�	�	PROPN
fsr-3164	659	204	0.0336	0.0336	NUM
fsr-3164	659	205	�	�	NOUN
fsr-3164	659	206	0.100	0.100	NUM
fsr-3164	659	207	*	*	NOUN
fsr-3164	659	208	*	*	PUNCT
fsr-3164	659	209	(	(	PUNCT
fsr-3164	659	210	0.0436	0.0436	NUM
fsr-3164	659	211	)	)	PUNCT
fsr-3164	659	212	(	(	PUNCT
fsr-3164	659	213	0.0289	0.0289	NUM
fsr-3164	659	214	)	)	PUNCT
fsr-3164	659	215	(	(	PUNCT
fsr-3164	659	216	0.0254	0.0254	NUM
fsr-3164	659	217	)	)	PUNCT
fsr-3164	659	218	(	(	PUNCT
fsr-3164	659	219	0.0510	0.0510	NUM
fsr-3164	659	220	)	)	PUNCT
fsr-3164	659	221	pseudo	pseudo	NOUN
fsr-3164	659	222	r2	r2	NOUN
fsr-3164	659	223	0.177	0.177	NUM
fsr-3164	659	224	0.318	0.318	NUM
fsr-3164	659	225	0.203	0.203	NUM
fsr-3164	659	226	0.255	0.255	NUM
fsr-3164	659	227	observations	observation	NOUN
fsr-3164	659	228	1,326	1,326	NUM
fsr-3164	659	229	3,112	3,112	NUM
fsr-3164	659	230	6,849	6,849	NUM
fsr-3164	659	231	8,438	8,438	NUM
fsr-3164	659	232	note	note	NOUN
fsr-3164	659	233	.	.	PUNCT
fsr-3164	660	1	the	the	DET
fsr-3164	660	2	marginal	marginal	ADJ
fsr-3164	660	3	coefficients	coefficient	NOUN
fsr-3164	660	4	of	of	ADP
fsr-3164	660	5	other	other	ADJ
fsr-3164	660	6	control	control	NOUN
fsr-3164	660	7	variables	variable	NOUN
fsr-3164	660	8	(	(	PUNCT
fsr-3164	660	9	gender	gender	NOUN
fsr-3164	660	10	,	,	PUNCT
fsr-3164	660	11	education	education	NOUN
fsr-3164	660	12	level	level	NOUN
fsr-3164	660	13	,	,	PUNCT
fsr-3164	660	14	employment	employment	NOUN
fsr-3164	660	15	status	status	NOUN
fsr-3164	660	16	,	,	PUNCT
fsr-3164	660	17	marital	marital	ADJ
fsr-3164	660	18	status	status	NOUN
fsr-3164	660	19	,	,	PUNCT
fsr-3164	660	20	income	income	NOUN
fsr-3164	660	21	,	,	PUNCT
fsr-3164	660	22	race	race	NOUN
fsr-3164	660	23	,	,	PUNCT
fsr-3164	660	24	risk	risk	NOUN
fsr-3164	660	25	level	level	NOUN
fsr-3164	660	26	measures	measure	NOUN
fsr-3164	660	27	,	,	PUNCT
fsr-3164	660	28	and	and	CCONJ
fsr-3164	660	29	credit	credit	NOUN
fsr-3164	660	30	score	score	NOUN
fsr-3164	660	31	)	)	PUNCT
fsr-3164	660	32	are	be	AUX
fsr-3164	660	33	included	include	VERB
fsr-3164	660	34	in	in	ADP
fsr-3164	660	35	the	the	DET
fsr-3164	660	36	regression	regression	NOUN
fsr-3164	660	37	,	,	PUNCT
fsr-3164	660	38	not	not	PART
fsr-3164	660	39	reported	report	VERB
fsr-3164	660	40	here	here	ADV
fsr-3164	660	41	.	.	PUNCT
fsr-3164	661	1	standard	standard	ADJ
fsr-3164	661	2	errors	error	NOUN
fsr-3164	661	3	in	in	ADP
fsr-3164	661	4	parentheses	parenthesis	NOUN
fsr-3164	661	5	:	:	PUNCT
fsr-3164	661	6	*	*	PUNCT
fsr-3164	661	7	*	*	PUNCT
fsr-3164	661	8	*	*	PUNCT
fsr-3164	661	9	p	p	X
fsr-3164	661	10	<	<	X
fsr-3164	661	11	.01	.01	NUM
fsr-3164	661	12	,	,	PUNCT
fsr-3164	661	13	*	*	PUNCT
fsr-3164	661	14	*	*	PUNCT
fsr-3164	661	15	p	p	X
fsr-3164	661	16	<	<	X
fsr-3164	661	17	.05	.05	NUM
fsr-3164	661	18	,	,	PUNCT
fsr-3164	661	19	*	*	PUNCT
fsr-3164	661	20	p	p	X
fsr-3164	661	21	<	<	X
fsr-3164	661	22	.1	.1	PROPN
fsr-3164	661	23	.	.	PUNCT
fsr-3164	662	1	a.	a.	PROPN
fsr-3164	662	2	mussa	mussa	PROPN
fsr-3164	662	3	et	et	PROPN
fsr-3164	662	4	al	al	PROPN
fsr-3164	662	5	.	.	PUNCT
fsr-3164	662	6	/	/	SYM
fsr-3164	662	7	financial	financial	ADJ
fsr-3164	662	8	services	service	NOUN
fsr-3164	662	9	review	review	VERB
fsr-3164	662	10	30	30	NUM
fsr-3164	662	11	(	(	PUNCT
fsr-3164	662	12	2022	2022	NUM
fsr-3164	662	13	)	)	PUNCT
fsr-3164	663	1	273–296	273–296	NUM
fsr-3164	663	2	295	295	NUM
fsr-3164	663	3	hee	hee	PROPN
fsr-3164	663	4	yeo	yeo	PROPN
fsr-3164	663	5	,	,	PUNCT
fsr-3164	663	6	j.	j.	PROPN
fsr-3164	663	7	,	,	PUNCT
fsr-3164	663	8	&	&	CCONJ
fsr-3164	663	9	fisher	fisher	PROPN
fsr-3164	663	10	,	,	PUNCT
fsr-3164	663	11	p.	p.	NOUN
fsr-3164	663	12	(	(	PUNCT
fsr-3164	663	13	2017	2017	NUM
fsr-3164	663	14	)	)	PUNCT
fsr-3164	663	15	.	.	PUNCT
fsr-3164	664	1	mobile	mobile	ADJ
fsr-3164	664	2	financial	financial	ADJ
fsr-3164	664	3	technology	technology	NOUN
fsr-3164	664	4	and	and	CCONJ
fsr-3164	664	5	consumers	consumer	NOUN
fsr-3164	664	6	’	’	PART
fsr-3164	664	7	financial	financial	ADJ
fsr-3164	664	8	capability	capability	NOUN
fsr-3164	664	9	in	in	ADP
fsr-3164	664	10	the	the	DET
fsr-3164	664	11	united	united	PROPN
fsr-3164	664	12	states	states	PROPN
fsr-3164	664	13	.	.	PUNCT
fsr-3164	665	1	journal	journal	PROPN
fsr-3164	665	2	of	of	ADP
fsr-3164	665	3	education	education	NOUN
fsr-3164	665	4	and	and	CCONJ
fsr-3164	665	5	social	social	ADJ
fsr-3164	665	6	policy	policy	NOUN
fsr-3164	665	7	,	,	PUNCT
fsr-3164	665	8	7	7	NUM
fsr-3164	665	9	,	,	PUNCT
fsr-3164	665	10	80–93	80–93	NUM
fsr-3164	665	11	.	.	PUNCT
fsr-3164	666	1	henager	henager	PROPN
fsr-3164	666	2	,	,	PUNCT
fsr-3164	666	3	r.	r.	PROPN
fsr-3164	666	4	,	,	PUNCT
fsr-3164	666	5	&	&	CCONJ
fsr-3164	666	6	cude	cude	PROPN
fsr-3164	666	7	,	,	PUNCT
fsr-3164	666	8	b.	b.	PROPN
fsr-3164	666	9	j.	j.	PROPN
fsr-3164	666	10	(	(	PUNCT
fsr-3164	666	11	2016	2016	NUM
fsr-3164	666	12	)	)	PUNCT
fsr-3164	666	13	.	.	PUNCT
fsr-3164	667	1	financial	financial	ADJ
fsr-3164	667	2	literacy	literacy	NOUN
fsr-3164	667	3	and	and	CCONJ
fsr-3164	667	4	longand	longand	NOUN
fsr-3164	667	5	short	short	ADJ
fsr-3164	667	6	-	-	PUNCT
fsr-3164	667	7	term	term	NOUN
fsr-3164	667	8	financial	financial	ADJ
fsr-3164	667	9	behavior	behavior	NOUN
fsr-3164	667	10	in	in	ADP
fsr-3164	667	11	different	different	ADJ
fsr-3164	667	12	age	age	NOUN
fsr-3164	667	13	groups	group	NOUN
fsr-3164	667	14	.	.	PUNCT
fsr-3164	668	1	journal	journal	NOUN
fsr-3164	668	2	of	of	ADP
fsr-3164	668	3	financial	financial	ADJ
fsr-3164	668	4	counseling	counseling	NOUN
fsr-3164	668	5	and	and	CCONJ
fsr-3164	668	6	planning	planning	NOUN
fsr-3164	668	7	,	,	PUNCT
fsr-3164	668	8	27	27	NUM
fsr-3164	668	9	,	,	PUNCT
fsr-3164	668	10	3–19	3–19	NOUN
fsr-3164	668	11	.	.	PUNCT
fsr-3164	669	1	https://doi.org/10.1891/1052-3073.27.1.3	https://doi.org/10.1891/1052-3073.27.1.3	PROPN
fsr-3164	669	2	hogarth	hogarth	PROPN
fsr-3164	669	3	,	,	PUNCT
fsr-3164	669	4	j.	j.	PROPN
fsr-3164	669	5	,	,	PUNCT
fsr-3164	669	6	&	&	CCONJ
fsr-3164	669	7	anguelov	anguelov	PROPN
fsr-3164	669	8	,	,	PUNCT
fsr-3164	669	9	c.	c.	PROPN
fsr-3164	669	10	e.	e.	PROPN
fsr-3164	669	11	(	(	PUNCT
fsr-3164	669	12	2004	2004	NUM
fsr-3164	669	13	)	)	PUNCT
fsr-3164	669	14	.	.	PUNCT
fsr-3164	669	15	are	be	AUX
fsr-3164	669	16	families	family	NOUN
fsr-3164	669	17	who	who	PRON
fsr-3164	669	18	use	use	VERB
fsr-3164	669	19	e	e	NOUN
fsr-3164	669	20	-	-	NOUN
fsr-3164	669	21	banking	bank	VERB
fsr-3164	669	22	better	well	ADJ
fsr-3164	669	23	financial	financial	ADJ
fsr-3164	669	24	managers	manager	NOUN
fsr-3164	669	25	?	?	PUNCT
fsr-3164	670	1	journal	journal	NOUN
fsr-3164	670	2	of	of	ADP
fsr-3164	670	3	financial	financial	ADJ
fsr-3164	670	4	counseling	counseling	NOUN
fsr-3164	670	5	and	and	CCONJ
fsr-3164	670	6	planning	planning	NOUN
fsr-3164	670	7	,	,	PUNCT
fsr-3164	670	8	15	15	NUM
fsr-3164	670	9	,	,	PUNCT
fsr-3164	670	10	20551202–785	20551202–785	X
fsr-3164	670	11	.	.	PUNCT
fsr-3164	671	1	kumar	kumar	PROPN
fsr-3164	671	2	,	,	PUNCT
fsr-3164	671	3	a.	a.	PROPN
fsr-3164	671	4	,	,	PUNCT
fsr-3164	671	5	&	&	CCONJ
fsr-3164	671	6	lim	lim	PROPN
fsr-3164	671	7	,	,	PUNCT
fsr-3164	671	8	h.	h.	PROPN
fsr-3164	671	9	(	(	PUNCT
fsr-3164	671	10	2008	2008	NUM
fsr-3164	671	11	)	)	PUNCT
fsr-3164	671	12	.	.	PUNCT
fsr-3164	672	1	age	age	NOUN
fsr-3164	672	2	differences	difference	NOUN
fsr-3164	672	3	in	in	ADP
fsr-3164	672	4	mobile	mobile	ADJ
fsr-3164	672	5	service	service	NOUN
fsr-3164	672	6	perceptions	perception	NOUN
fsr-3164	672	7	:	:	PUNCT
fsr-3164	672	8	comparison	comparison	NOUN
fsr-3164	672	9	of	of	ADP
fsr-3164	672	10	generation	generation	NOUN
fsr-3164	672	11	y	y	PROPN
fsr-3164	672	12	and	and	CCONJ
fsr-3164	672	13	baby	baby	NOUN
fsr-3164	672	14	boomers	boomer	NOUN
fsr-3164	672	15	.	.	PUNCT
fsr-3164	673	1	journal	journal	PROPN
fsr-3164	673	2	of	of	ADP
fsr-3164	673	3	services	service	NOUN
fsr-3164	673	4	marketing	marketing	NOUN
fsr-3164	673	5	,	,	PUNCT
fsr-3164	673	6	22	22	NUM
fsr-3164	673	7	,	,	PUNCT
fsr-3164	673	8	568	568	NUM
fsr-3164	673	9	-	-	SYM
fsr-3164	673	10	577	577	NUM
fsr-3164	673	11	.	.	PUNCT
fsr-3164	674	1	https://doi.org/10.1108/08876040810909695	https://doi.org/10.1108/08876040810909695	X
fsr-3164	674	2	liébana	liébana	PROPN
fsr-3164	674	3	-	-	PUNCT
fsr-3164	674	4	cabanillas	cabanilla	NOUN
fsr-3164	674	5	,	,	PUNCT
fsr-3164	674	6	f.	f.	PROPN
fsr-3164	674	7	,	,	PUNCT
fsr-3164	674	8	sánchez	sánchez	PROPN
fsr-3164	674	9	-	-	PUNCT
fsr-3164	674	10	fernández	fernández	PROPN
fsr-3164	674	11	,	,	PUNCT
fsr-3164	674	12	j.	j.	PROPN
fsr-3164	674	13	,	,	PUNCT
fsr-3164	674	14	&	&	CCONJ
fsr-3164	674	15	muñoz	muñoz	PROPN
fsr-3164	674	16	-	-	PUNCT
fsr-3164	674	17	leiva	leiva	PROPN
fsr-3164	674	18	,	,	PUNCT
fsr-3164	674	19	f.	f.	PROPN
fsr-3164	674	20	(	(	PUNCT
fsr-3164	674	21	2014	2014	NUM
fsr-3164	674	22	)	)	PUNCT
fsr-3164	674	23	.	.	PUNCT
fsr-3164	675	1	antecedents	antecedent	NOUN
fsr-3164	675	2	of	of	ADP
fsr-3164	675	3	the	the	DET
fsr-3164	675	4	adoption	adoption	NOUN
fsr-3164	675	5	of	of	ADP
fsr-3164	675	6	the	the	DET
fsr-3164	675	7	new	new	ADJ
fsr-3164	675	8	mobile	mobile	ADJ
fsr-3164	675	9	payment	payment	NOUN
fsr-3164	675	10	systems	system	NOUN
fsr-3164	675	11	:	:	PUNCT
fsr-3164	675	12	the	the	DET
fsr-3164	675	13	moderating	moderate	VERB
fsr-3164	675	14	effect	effect	NOUN
fsr-3164	675	15	of	of	ADP
fsr-3164	675	16	age	age	NOUN
fsr-3164	675	17	.	.	PUNCT
fsr-3164	676	1	computers	computer	NOUN
fsr-3164	676	2	in	in	ADP
fsr-3164	676	3	human	human	ADJ
fsr-3164	676	4	behavior	behavior	NOUN
fsr-3164	676	5	,	,	PUNCT
fsr-3164	676	6	35	35	NUM
fsr-3164	676	7	,	,	PUNCT
fsr-3164	676	8	464–478	464–478	NUM
fsr-3164	676	9	.	.	PUNCT
fsr-3164	676	10	https://doi.org/10.1016/j.chb.2014.03.022	https://doi.org/10.1016/j.chb.2014.03.022	PROPN
fsr-3164	676	11	lusardi	lusardi	PROPN
fsr-3164	676	12	,	,	PUNCT
fsr-3164	676	13	a.	a.	PROPN
fsr-3164	676	14	,	,	PUNCT
fsr-3164	676	15	&	&	CCONJ
fsr-3164	676	16	mitchell	mitchell	PROPN
fsr-3164	676	17	,	,	PUNCT
fsr-3164	676	18	o.	o.	PROPN
fsr-3164	676	19	s.	s.	PROPN
fsr-3164	676	20	(	(	PUNCT
fsr-3164	676	21	2014	2014	NUM
fsr-3164	676	22	)	)	PUNCT
fsr-3164	676	23	.	.	PUNCT
fsr-3164	677	1	the	the	DET
fsr-3164	677	2	economic	economic	ADJ
fsr-3164	677	3	importance	importance	NOUN
fsr-3164	677	4	of	of	ADP
fsr-3164	677	5	financial	financial	ADJ
fsr-3164	677	6	literacy	literacy	NOUN
fsr-3164	677	7	:	:	PUNCT
fsr-3164	677	8	theory	theory	NOUN
fsr-3164	677	9	and	and	CCONJ
fsr-3164	677	10	evidence	evidence	NOUN
fsr-3164	677	11	.	.	PUNCT
fsr-3164	678	1	journal	journal	NOUN
fsr-3164	678	2	of	of	ADP
fsr-3164	678	3	economic	economic	ADJ
fsr-3164	678	4	literature	literature	NOUN
fsr-3164	678	5	,	,	PUNCT
fsr-3164	678	6	52	52	NUM
fsr-3164	678	7	,	,	PUNCT
fsr-3164	678	8	5–44	5–44	PROPN
fsr-3164	678	9	.	.	PUNCT
fsr-3164	678	10	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
fsr-3164	678	11	lyons	lyons	PROPN
fsr-3164	678	12	,	,	PUNCT
fsr-3164	678	13	a.	a.	NOUN
fsr-3164	678	14	c.	c.	PROPN
fsr-3164	678	15	(	(	PUNCT
fsr-3164	678	16	2007	2007	NUM
fsr-3164	678	17	)	)	PUNCT
fsr-3164	678	18	.	.	PUNCT
fsr-3164	679	1	credit	credit	NOUN
fsr-3164	679	2	practices	practice	NOUN
fsr-3164	679	3	and	and	CCONJ
fsr-3164	679	4	financial	financial	ADJ
fsr-3164	679	5	education	education	NOUN
fsr-3164	679	6	needs	need	NOUN
fsr-3164	679	7	of	of	ADP
fsr-3164	679	8	midwest	midw	ADJ
fsr-3164	679	9	college	college	NOUN
fsr-3164	679	10	students	student	NOUN
fsr-3164	679	11	.	.	PUNCT
fsr-3164	680	1	networks	network	NOUN
fsr-3164	680	2	financial	financial	PROPN
fsr-3164	680	3	institute	institute	PROPN
fsr-3164	680	4	working	working	PROPN
fsr-3164	680	5	paper	paper	PROPN
fsr-3164	680	6	no	no	INTJ
fsr-3164	680	7	.	.	NOUN
fsr-3164	681	1	2007	2007	NUM
fsr-3164	681	2	-	-	PUNCT
fsr-3164	681	3	wp-23	wp-23	NOUN
fsr-3164	681	4	.	.	PUNCT
fsr-3164	682	1	available	available	ADJ
fsr-3164	682	2	at	at	ADP
fsr-3164	682	3	https://ssrn.com/abstract=1060801	https://ssrn.com/abstract=1060801	ADJ
fsr-3164	682	4	lyons	lyon	NOUN
fsr-3164	682	5	,	,	PUNCT
fsr-3164	682	6	a.	a.	NOUN
fsr-3164	682	7	c.	c.	PROPN
fsr-3164	682	8	(	(	PUNCT
fsr-3164	682	9	2008	2008	NUM
fsr-3164	682	10	)	)	PUNCT
fsr-3164	682	11	.	.	PUNCT
fsr-3164	683	1	risky	risky	ADJ
fsr-3164	683	2	credit	credit	NOUN
fsr-3164	683	3	card	card	NOUN
fsr-3164	683	4	behavior	behavior	NOUN
fsr-3164	683	5	of	of	ADP
fsr-3164	683	6	college	college	NOUN
fsr-3164	683	7	students	student	NOUN
fsr-3164	683	8	.	.	PUNCT
fsr-3164	684	1	in	in	ADP
fsr-3164	684	2	j.	j.	PROPN
fsr-3164	684	3	j.	j.	PROPN
fsr-3164	684	4	xiao	xiao	PROPN
fsr-3164	684	5	(	(	PUNCT
fsr-3164	684	6	eds	ed	NOUN
fsr-3164	684	7	)	)	PUNCT
fsr-3164	684	8	,	,	PUNCT
fsr-3164	684	9	handbook	handbook	NOUN
fsr-3164	684	10	of	of	ADP
fsr-3164	684	11	consumer	consumer	NOUN
fsr-3164	684	12	finance	finance	NOUN
fsr-3164	684	13	research	research	NOUN
fsr-3164	684	14	(	(	PUNCT
fsr-3164	684	15	pp	pp	ADJ
fsr-3164	684	16	.	.	PUNCT
fsr-3164	684	17	185	185	NUM
fsr-3164	684	18	-	-	SYM
fsr-3164	684	19	207	207	NUM
fsr-3164	684	20	)	)	PUNCT
fsr-3164	684	21	.	.	PUNCT
fsr-3164	685	1	new	new	PROPN
fsr-3164	685	2	york	york	PROPN
fsr-3164	685	3	,	,	PUNCT
fsr-3164	685	4	ny	ny	PROPN
fsr-3164	685	5	:	:	PUNCT
fsr-3164	685	6	springer	springer	NOUN
fsr-3164	685	7	.	.	PUNCT
fsr-3164	686	1	mckinsey	mckinsey	PROPN
fsr-3164	686	2	digital	digital	ADJ
fsr-3164	686	3	payments	payment	NOUN
fsr-3164	686	4	consumer	consumer	NOUN
fsr-3164	686	5	survey	survey	NOUN
fsr-3164	686	6	.	.	PUNCT
fsr-3164	687	1	(	(	PUNCT
fsr-3164	687	2	2021	2021	NUM
fsr-3164	687	3	)	)	PUNCT
fsr-3164	687	4	.	.	PUNCT
fsr-3164	688	1	available	available	ADJ
fsr-3164	688	2	at	at	ADP
fsr-3164	688	3	https://www.mckinsey.com/industries/	https://www.mckinsey.com/industries/	ADP
fsr-3164	688	4	financial	financial	ADJ
fsr-3164	688	5	-	-	PUNCT
fsr-3164	688	6	services	service	NOUN
fsr-3164	688	7	/	/	SYM
fsr-3164	688	8	our	our	PRON
fsr-3164	688	9	-	-	PUNCT
fsr-3164	688	10	insights	insight	NOUN
fsr-3164	688	11	/	/	SYM
fsr-3164	688	12	banking	banking	NOUN
fsr-3164	688	13	-	-	PUNCT
fsr-3164	688	14	matters	matter	NOUN
fsr-3164	688	15	/	/	SYM
fsr-3164	688	16	new	new	ADJ
fsr-3164	688	17	-	-	PUNCT
fsr-3164	688	18	trends	trend	NOUN
fsr-3164	688	19	-	-	PUNCT
fsr-3164	688	20	in	in	ADP
fsr-3164	688	21	-	-	PUNCT
fsr-3164	688	22	us	us	NOUN
fsr-3164	688	23	-	-	PUNCT
fsr-3164	688	24	consumer	consumer	NOUN
fsr-3164	688	25	-	-	PUNCT
fsr-3164	688	26	digital	digital	ADJ
fsr-3164	688	27	-	-	PUNCT
fsr-3164	688	28	payments	payment	NOUN
fsr-3164	688	29	nfcs	nfc	NOUN
fsr-3164	688	30	.	.	PUNCT
fsr-3164	689	1	(	(	PUNCT
fsr-3164	689	2	2018	2018	NUM
fsr-3164	689	3	)	)	PUNCT
fsr-3164	689	4	.	.	PUNCT
fsr-3164	690	1	the	the	DET
fsr-3164	690	2	state	state	NOUN
fsr-3164	690	3	of	of	ADP
fsr-3164	690	4	u.s	u.s	PROPN
fsr-3164	690	5	.	.	PROPN
fsr-3164	690	6	financial	financial	ADJ
fsr-3164	690	7	capability	capability	NOUN
fsr-3164	690	8	.	.	PUNCT
fsr-3164	691	1	the	the	DET
fsr-3164	691	2	2018	2018	NUM
fsr-3164	691	3	national	national	ADJ
fsr-3164	691	4	financial	financial	ADJ
fsr-3164	691	5	capability	capability	NOUN
fsr-3164	691	6	study	study	NOUN
fsr-3164	691	7	.	.	PUNCT
fsr-3164	692	1	finra	finra	PROPN
fsr-3164	692	2	.	.	PUNCT
fsr-3164	693	1	available	available	ADJ
fsr-3164	693	2	at	at	ADP
fsr-3164	693	3	https://www.usfinancialcapability.org/downloads/nfcs_2018_report_natl_findings.pdf	https://www.usfinancialcapability.org/downloads/nfcs_2018_report_natl_findings.pdf	PROPN
fsr-3164	693	4	phang	phang	PROPN
fsr-3164	693	5	,	,	PUNCT
fsr-3164	693	6	c.	c.	PROPN
fsr-3164	693	7	,	,	PUNCT
fsr-3164	693	8	sutanto	sutanto	PROPN
fsr-3164	693	9	,	,	PUNCT
fsr-3164	693	10	j.	j.	PROPN
fsr-3164	693	11	,	,	PUNCT
fsr-3164	693	12	kankanhalli	kankanhalli	PROPN
fsr-3164	693	13	,	,	PUNCT
fsr-3164	693	14	a.	a.	PROPN
fsr-3164	693	15	,	,	PUNCT
fsr-3164	693	16	li	li	PROPN
fsr-3164	693	17	,	,	PUNCT
fsr-3164	693	18	y.	y.	PROPN
fsr-3164	693	19	,	,	PUNCT
fsr-3164	693	20	tan	tan	PROPN
fsr-3164	693	21	,	,	PUNCT
fsr-3164	693	22	b.	b.	PROPN
fsr-3164	693	23	,	,	PUNCT
fsr-3164	693	24	&	&	CCONJ
fsr-3164	693	25	teo	teo	PROPN
fsr-3164	693	26	,	,	PUNCT
fsr-3164	693	27	h.	h.	PROPN
fsr-3164	693	28	(	(	PUNCT
fsr-3164	693	29	2006	2006	NUM
fsr-3164	693	30	)	)	PUNCT
fsr-3164	693	31	.	.	PUNCT
fsr-3164	694	1	senior	senior	ADJ
fsr-3164	694	2	citizens	citizen	NOUN
fsr-3164	694	3	’	’	PART
fsr-3164	694	4	acceptance	acceptance	NOUN
fsr-3164	694	5	of	of	ADP
fsr-3164	694	6	information	information	NOUN
fsr-3164	694	7	systems	system	NOUN
fsr-3164	694	8	:	:	PUNCT
fsr-3164	694	9	a	a	DET
fsr-3164	694	10	study	study	NOUN
fsr-3164	694	11	in	in	ADP
fsr-3164	694	12	the	the	DET
fsr-3164	694	13	context	context	NOUN
fsr-3164	694	14	of	of	ADP
fsr-3164	694	15	e	e	NOUN
fsr-3164	694	16	-	-	NOUN
fsr-3164	694	17	government	government	NOUN
fsr-3164	694	18	services	service	NOUN
fsr-3164	694	19	.	.	PUNCT
fsr-3164	695	1	ieee	ieee	NOUN
fsr-3164	695	2	transactions	transaction	NOUN
fsr-3164	695	3	on	on	ADP
fsr-3164	695	4	engineering	engineering	NOUN
fsr-3164	695	5	management	management	NOUN
fsr-3164	695	6	,	,	PUNCT
fsr-3164	695	7	53	53	NUM
fsr-3164	695	8	,	,	PUNCT
fsr-3164	695	9	555–569	555–569	NUM
fsr-3164	695	10	.	.	PUNCT
fsr-3164	695	11	https://doi.org/10.1109/tem.2006.883710	https://doi.org/10.1109/tem.2006.883710	ADJ
fsr-3164	695	12	robb	robb	PROPN
fsr-3164	695	13	,	,	PUNCT
fsr-3164	695	14	c.	c.	PROPN
fsr-3164	695	15	a.	a.	PROPN
fsr-3164	695	16	(	(	PUNCT
fsr-3164	695	17	2011	2011	NUM
fsr-3164	695	18	)	)	PUNCT
fsr-3164	695	19	.	.	PUNCT
fsr-3164	696	1	financial	financial	ADJ
fsr-3164	696	2	knowledge	knowledge	NOUN
fsr-3164	696	3	and	and	CCONJ
fsr-3164	696	4	credit	credit	NOUN
fsr-3164	696	5	card	card	NOUN
fsr-3164	696	6	behavior	behavior	NOUN
fsr-3164	696	7	of	of	ADP
fsr-3164	696	8	college	college	NOUN
fsr-3164	696	9	students	student	NOUN
fsr-3164	696	10	.	.	PUNCT
fsr-3164	697	1	journal	journal	PROPN
fsr-3164	697	2	of	of	ADP
fsr-3164	697	3	family	family	NOUN
fsr-3164	697	4	and	and	CCONJ
fsr-3164	697	5	economic	economic	ADJ
fsr-3164	697	6	issues	issue	NOUN
fsr-3164	697	7	,	,	PUNCT
fsr-3164	697	8	32	32	NUM
fsr-3164	697	9	,	,	PUNCT
fsr-3164	697	10	690	690	NUM
fsr-3164	697	11	-	-	NUM
fsr-3164	697	12	698	698	NUM
fsr-3164	697	13	.	.	PUNCT
fsr-3164	698	1	https://doi.org/10.1007/s10834-011-9259-y	https://doi.org/10.1007/s10834-011-9259-y	PROPN
fsr-3164	698	2	shobha	shobha	NOUN
fsr-3164	698	3	,	,	PUNCT
fsr-3164	698	4	t.	t.	PROPN
fsr-3164	698	5	s.	s.	PROPN
fsr-3164	698	6	,	,	PUNCT
fsr-3164	698	7	&	&	CCONJ
fsr-3164	698	8	sharath	sharath	PROPN
fsr-3164	698	9	kumar	kumar	PROPN
fsr-3164	698	10	,	,	PUNCT
fsr-3164	698	11	k.	k.	PROPN
fsr-3164	698	12	m.	m.	PROPN
fsr-3164	698	13	(	(	PUNCT
fsr-3164	698	14	2020	2020	NUM
fsr-3164	698	15	)	)	PUNCT
fsr-3164	698	16	.	.	PUNCT
fsr-3164	699	1	financial	financial	ADJ
fsr-3164	699	2	behaviors	behavior	NOUN
fsr-3164	699	3	of	of	ADP
fsr-3164	699	4	generation	generation	NOUN
fsr-3164	699	5	x	x	NOUN
fsr-3164	699	6	and	and	CCONJ
fsr-3164	699	7	generation	generation	NOUN
fsr-3164	699	8	y.	y.	PROPN
fsr-3164	699	9	scms	scms	PROPN
fsr-3164	699	10	journal	journal	PROPN
fsr-3164	699	11	of	of	ADP
fsr-3164	699	12	indian	indian	PROPN
fsr-3164	699	13	management	management	NOUN
fsr-3164	699	14	,	,	PUNCT
fsr-3164	699	15	17	17	NUM
fsr-3164	699	16	,	,	PUNCT
fsr-3164	699	17	123–136	123–136	NUM
fsr-3164	699	18	.	.	PUNCT
fsr-3164	700	1	van	van	PROPN
fsr-3164	700	2	rooij	rooij	NOUN
fsr-3164	700	3	,	,	PUNCT
fsr-3164	700	4	m.	m.	NOUN
fsr-3164	700	5	,	,	PUNCT
fsr-3164	700	6	lusardi	lusardi	PROPN
fsr-3164	700	7	,	,	PUNCT
fsr-3164	700	8	a.	a.	NOUN
fsr-3164	700	9	,	,	PUNCT
fsr-3164	700	10	&	&	CCONJ
fsr-3164	700	11	alessie	alessie	PROPN
fsr-3164	700	12	,	,	PUNCT
fsr-3164	700	13	r.	r.	PROPN
fsr-3164	700	14	(	(	PUNCT
fsr-3164	700	15	2009	2009	NUM
fsr-3164	700	16	)	)	PUNCT
fsr-3164	700	17	.	.	PUNCT
fsr-3164	701	1	financial	financial	ADJ
fsr-3164	701	2	literacy	literacy	NOUN
fsr-3164	701	3	and	and	CCONJ
fsr-3164	701	4	stock	stock	NOUN
fsr-3164	701	5	market	market	NOUN
fsr-3164	701	6	participation	participation	NOUN
fsr-3164	701	7	.	.	PUNCT
fsr-3164	702	1	ssrn	ssrn	PROPN
fsr-3164	702	2	electronic	electronic	ADJ
fsr-3164	702	3	journal	journal	PROPN
fsr-3164	702	4	.	.	PUNCT
fsr-3164	703	1	available	available	ADJ
fsr-3164	703	2	at	at	ADP
fsr-3164	703	3	https://ssrn.com/abstract=1476958	https://ssrn.com/abstract=1476958	PROPN
fsr-3164	703	4	.	.	PUNCT
fsr-3164	703	5	https://doi.org/10.2139/ssrn.1476958	https://doi.org/10.2139/ssrn.1476958	PROPN
fsr-3164	703	6	visual	visual	ADJ
fsr-3164	703	7	capitalist	capitalist	NOUN
fsr-3164	703	8	.	.	PUNCT
fsr-3164	704	1	(	(	PUNCT
fsr-3164	704	2	2021	2021	NUM
fsr-3164	704	3	)	)	PUNCT
fsr-3164	704	4	.	.	PUNCT
fsr-3164	705	1	generational	generational	ADJ
fsr-3164	705	2	power	power	NOUN
fsr-3164	705	3	index	index	NOUN
fsr-3164	705	4	.	.	PUNCT
fsr-3164	706	1	available	available	ADJ
fsr-3164	706	2	at	at	ADP
fsr-3164	706	3	https://www.visualcapitalist.com/gpi/	https://www.visualcapitalist.com/gpi/	PROPN
fsr-3164	706	4	wagner	wagner	PROPN
fsr-3164	706	5	,	,	PUNCT
fsr-3164	706	6	j.	j.	PROPN
fsr-3164	706	7	,	,	PUNCT
fsr-3164	706	8	&	&	CCONJ
fsr-3164	706	9	walstad	walstad	PROPN
fsr-3164	706	10	,	,	PUNCT
fsr-3164	706	11	w.	w.	PROPN
fsr-3164	706	12	b.	b.	PROPN
fsr-3164	706	13	(	(	PUNCT
fsr-3164	706	14	2019	2019	NUM
fsr-3164	706	15	)	)	PUNCT
fsr-3164	706	16	.	.	PUNCT
fsr-3164	707	1	the	the	DET
fsr-3164	707	2	effects	effect	NOUN
fsr-3164	707	3	of	of	ADP
fsr-3164	707	4	financial	financial	ADJ
fsr-3164	707	5	education	education	NOUN
fsr-3164	707	6	on	on	ADP
fsr-3164	707	7	short	short	ADJ
fsr-3164	707	8	-	-	PUNCT
fsr-3164	707	9	term	term	NOUN
fsr-3164	707	10	and	and	CCONJ
fsr-3164	707	11	long	long	ADJ
fsr-3164	707	12	-	-	PUNCT
fsr-3164	707	13	term	term	NOUN
fsr-3164	707	14	financial	financial	ADJ
fsr-3164	707	15	behaviors	behavior	NOUN
fsr-3164	707	16	.	.	PUNCT
fsr-3164	708	1	journal	journal	NOUN
fsr-3164	708	2	of	of	ADP
fsr-3164	708	3	consumer	consumer	NOUN
fsr-3164	708	4	affairs	affair	NOUN
fsr-3164	708	5	,	,	PUNCT
fsr-3164	708	6	53	53	NUM
fsr-3164	708	7	,	,	PUNCT
fsr-3164	708	8	234–259	234–259	NUM
fsr-3164	708	9	.	.	PUNCT
fsr-3164	709	1	https://doi.org/10.1111/joca.12210	https://doi.org/10.1111/joca.12210	NOUN
fsr-3164	709	2	walsh	walsh	PROPN
fsr-3164	709	3	,	,	PUNCT
fsr-3164	709	4	b.	b.	PROPN
fsr-3164	709	5	,	,	PUNCT
fsr-3164	709	6	&	&	CCONJ
fsr-3164	709	7	lim	lim	PROPN
fsr-3164	709	8	,	,	PUNCT
fsr-3164	709	9	h.	h.	PROPN
fsr-3164	709	10	n.	n.	PROPN
fsr-3164	709	11	(	(	PUNCT
fsr-3164	709	12	2020	2020	NUM
fsr-3164	709	13	)	)	PUNCT
fsr-3164	709	14	.	.	PUNCT
fsr-3164	710	1	millennials	millennial	NOUN
fsr-3164	710	2	’	'	PUNCT
fsr-3164	710	3	adoption	adoption	NOUN
fsr-3164	710	4	of	of	ADP
fsr-3164	710	5	personal	personal	ADJ
fsr-3164	710	6	financial	financial	ADJ
fsr-3164	710	7	management	management	NOUN
fsr-3164	710	8	(	(	PUNCT
fsr-3164	710	9	pfm	pfm	NOUN
fsr-3164	710	10	)	)	PUNCT
fsr-3164	710	11	technology	technology	NOUN
fsr-3164	710	12	and	and	CCONJ
fsr-3164	710	13	financial	financial	ADJ
fsr-3164	710	14	behavior	behavior	NOUN
fsr-3164	710	15	.	.	PUNCT
fsr-3164	711	1	financial	financial	ADJ
fsr-3164	711	2	planning	planning	PROPN
fsr-3164	711	3	review	review	NOUN
fsr-3164	711	4	,	,	PUNCT
fsr-3164	711	5	3	3	NUM
fsr-3164	711	6	,	,	PUNCT
fsr-3164	711	7	e1095	e1095	NOUN
fsr-3164	711	8	.	.	PUNCT
fsr-3164	712	1	https://doi.org/10.1002/cfp2.1095	https://doi.org/10.1002/cfp2.1095	PROPN
fsr-3164	713	1	wilcox	wilcox	PROPN
fsr-3164	713	2	,	,	PUNCT
fsr-3164	713	3	k.	k.	PROPN
fsr-3164	713	4	,	,	PUNCT
fsr-3164	713	5	&	&	CCONJ
fsr-3164	713	6	stephen	stephen	PROPN
fsr-3164	713	7	,	,	PUNCT
fsr-3164	713	8	a.	a.	NOUN
fsr-3164	713	9	t.	t.	PROPN
fsr-3164	713	10	(	(	PUNCT
fsr-3164	713	11	2012	2012	NUM
fsr-3164	713	12	)	)	PUNCT
fsr-3164	713	13	.	.	PUNCT
fsr-3164	713	14	are	be	AUX
fsr-3164	713	15	close	close	ADJ
fsr-3164	713	16	friends	friend	NOUN
fsr-3164	713	17	the	the	DET
fsr-3164	713	18	enemy	enemy	NOUN
fsr-3164	713	19	?	?	PUNCT
fsr-3164	714	1	online	online	ADJ
fsr-3164	714	2	social	social	ADJ
fsr-3164	714	3	networks	network	NOUN
fsr-3164	714	4	,	,	PUNCT
fsr-3164	714	5	narcissism	narcissism	NOUN
fsr-3164	714	6	,	,	PUNCT
fsr-3164	714	7	and	and	CCONJ
fsr-3164	714	8	self	self	NOUN
fsr-3164	714	9	-	-	PUNCT
fsr-3164	714	10	control	control	NOUN
fsr-3164	714	11	.	.	PUNCT
fsr-3164	715	1	psycextra	psycextra	PROPN
fsr-3164	715	2	dataset	dataset	PROPN
fsr-3164	715	3	.	.	PUNCT
fsr-3164	716	1	xiao	xiao	PROPN
fsr-3164	716	2	,	,	PUNCT
fsr-3164	716	3	j.	j.	PROPN
fsr-3164	716	4	j.	j.	PROPN
fsr-3164	716	5	,	,	PUNCT
fsr-3164	716	6	&	&	CCONJ
fsr-3164	716	7	porto	porto	PROPN
fsr-3164	716	8	,	,	PUNCT
fsr-3164	716	9	n.	n.	NOUN
fsr-3164	716	10	(	(	PUNCT
fsr-3164	716	11	2017	2017	NUM
fsr-3164	716	12	)	)	PUNCT
fsr-3164	716	13	.	.	PUNCT
fsr-3164	717	1	financial	financial	ADJ
fsr-3164	717	2	education	education	NOUN
fsr-3164	717	3	and	and	CCONJ
fsr-3164	717	4	financial	financial	ADJ
fsr-3164	717	5	satisfaction	satisfaction	NOUN
fsr-3164	717	6	.	.	PUNCT
fsr-3164	718	1	international	international	ADJ
fsr-3164	718	2	journal	journal	PROPN
fsr-3164	718	3	of	of	ADP
fsr-3164	718	4	bank	bank	PROPN
fsr-3164	718	5	marketing	marketing	NOUN
fsr-3164	718	6	,	,	PUNCT
fsr-3164	718	7	35	35	NUM
fsr-3164	718	8	,	,	PUNCT
fsr-3164	718	9	805–817	805–817	NUM
fsr-3164	718	10	.	.	PUNCT
fsr-3164	719	1	https://doi.org/10.1108/ijbm-01-2016-0009	https://doi.org/10.1108/ijbm-01-2016-0009	X
fsr-3164	719	2	296	296	NUM
fsr-3164	719	3	a.	a.	NOUN
fsr-3164	719	4	mussa	mussa	NOUN
fsr-3164	719	5	et	et	PROPN
fsr-3164	719	6	al	al	PROPN
fsr-3164	719	7	.	.	PUNCT
fsr-3164	719	8	/	/	SYM
fsr-3164	719	9	financial	financial	ADJ
fsr-3164	719	10	services	service	NOUN
fsr-3164	719	11	review	review	VERB
fsr-3164	719	12	30	30	NUM
fsr-3164	719	13	(	(	PUNCT
fsr-3164	719	14	2022	2022	NUM
fsr-3164	719	15	)	)	PUNCT
fsr-3164	719	16	273–296	273–296	NUM