id	sid	tid	token	lemma	pos
fsr-3174	1	1	financial	financial	PROPN
fsr-3174	1	2	services	service	NOUN
fsr-3174	1	3	review	review	NOUN
fsr-3174	1	4	,	,	PUNCT
fsr-3174	1	5	31(4	31(4	NUM
fsr-3174	1	6	)	)	PUNCT
fsr-3174	1	7	283	283	NUM
fsr-3174	1	8	households	household	NOUN
fsr-3174	1	9	’	'	PUNCT
fsr-3174	1	10	decision	decision	NOUN
fsr-3174	1	11	on	on	ADP
fsr-3174	1	12	capital	capital	NOUN
fsr-3174	1	13	market	market	NOUN
fsr-3174	1	14	participation	participation	NOUN
fsr-3174	1	15	—	—	PUNCT
fsr-3174	1	16	what	what	PRON
fsr-3174	1	17	are	be	AUX
fsr-3174	1	18	the	the	DET
fsr-3174	1	19	drivers	driver	NOUN
fsr-3174	1	20	?	?	PUNCT
fsr-3174	2	1	a	a	DET
fsr-3174	2	2	multi	multi	ADJ
fsr-3174	2	3	-	-	ADJ
fsr-3174	2	4	factor	factor	NOUN
fsr-3174	2	5	contribution	contribution	NOUN
fsr-3174	2	6	to	to	ADP
fsr-3174	2	7	the	the	DET
fsr-3174	2	8	participation	participation	NOUN
fsr-3174	2	9	puzzle	puzzle	NOUN
fsr-3174	2	10	andreas	andreas	PROPN
fsr-3174	2	11	oehler1	oehler1	PROPN
fsr-3174	2	12	and	and	CCONJ
fsr-3174	2	13	matthias	matthias	PROPN
fsr-3174	2	14	horn2	horn2	PROPN
fsr-3174	2	15	abstract	abstract	ADJ
fsr-3174	2	16	stock	stock	NOUN
fsr-3174	2	17	market	market	NOUN
fsr-3174	2	18	investments	investment	NOUN
fsr-3174	2	19	are	be	AUX
fsr-3174	2	20	in	in	ADP
fsr-3174	2	21	the	the	DET
fsr-3174	2	22	spotlight	spotlight	NOUN
fsr-3174	2	23	of	of	ADP
fsr-3174	2	24	the	the	DET
fsr-3174	2	25	household	household	NOUN
fsr-3174	2	26	finance	finance	NOUN
fsr-3174	2	27	literature	literature	NOUN
fsr-3174	2	28	,	,	PUNCT
fsr-3174	2	29	although	although	SCONJ
fsr-3174	2	30	realworld	realworld	PROPN
fsr-3174	2	31	households	household	NOUN
fsr-3174	2	32	make	make	VERB
fsr-3174	2	33	other	other	ADJ
fsr-3174	2	34	financial	financial	ADJ
fsr-3174	2	35	decisions	decision	NOUN
fsr-3174	2	36	of	of	ADP
fsr-3174	2	37	higher	high	ADJ
fsr-3174	2	38	relevance	relevance	NOUN
fsr-3174	2	39	.	.	PUNCT
fsr-3174	3	1	we	we	PRON
fsr-3174	3	2	widen	widen	VERB
fsr-3174	3	3	the	the	DET
fsr-3174	3	4	scope	scope	NOUN
fsr-3174	3	5	and	and	CCONJ
fsr-3174	3	6	include	include	VERB
fsr-3174	3	7	decisions	decision	NOUN
fsr-3174	3	8	related	relate	VERB
fsr-3174	3	9	to	to	ADP
fsr-3174	3	10	voluntary	voluntary	ADJ
fsr-3174	3	11	pension	pension	NOUN
fsr-3174	3	12	plans	plan	NOUN
fsr-3174	3	13	,	,	PUNCT
fsr-3174	3	14	whole	whole	ADJ
fsr-3174	3	15	life	life	NOUN
fsr-3174	3	16	insurance	insurance	NOUN
fsr-3174	3	17	contracts	contract	NOUN
fsr-3174	3	18	,	,	PUNCT
fsr-3174	3	19	housing	housing	NOUN
fsr-3174	3	20	,	,	PUNCT
fsr-3174	3	21	and	and	CCONJ
fsr-3174	3	22	investments	investment	NOUN
fsr-3174	3	23	in	in	ADP
fsr-3174	3	24	risky	risky	ADJ
fsr-3174	3	25	assets	asset	NOUN
fsr-3174	3	26	other	other	ADJ
fsr-3174	3	27	than	than	ADP
fsr-3174	3	28	stocks	stock	NOUN
fsr-3174	3	29	(	(	PUNCT
fsr-3174	3	30	e.g.	e.g.	ADV
fsr-3174	3	31	,	,	PUNCT
fsr-3174	3	32	bonds	bond	NOUN
fsr-3174	3	33	or	or	CCONJ
fsr-3174	3	34	mutual	mutual	ADJ
fsr-3174	3	35	funds	fund	NOUN
fsr-3174	3	36	)	)	PUNCT
fsr-3174	3	37	.	.	PUNCT
fsr-3174	4	1	further	far	ADV
fsr-3174	4	2	,	,	PUNCT
fsr-3174	4	3	we	we	PRON
fsr-3174	4	4	provide	provide	VERB
fsr-3174	4	5	a	a	DET
fsr-3174	4	6	methodology	methodology	NOUN
fsr-3174	4	7	that	that	PRON
fsr-3174	4	8	goes	go	VERB
fsr-3174	4	9	beyond	beyond	ADP
fsr-3174	4	10	regression	regression	NOUN
fsr-3174	4	11	analysis	analysis	NOUN
fsr-3174	4	12	by	by	ADP
fsr-3174	4	13	employing	employ	VERB
fsr-3174	4	14	a	a	DET
fsr-3174	4	15	structural	structural	ADJ
fsr-3174	4	16	equation	equation	NOUN
fsr-3174	4	17	analysis	analysis	NOUN
fsr-3174	4	18	(	(	PUNCT
fsr-3174	4	19	sea	sea	NOUN
fsr-3174	4	20	)	)	PUNCT
fsr-3174	4	21	and	and	CCONJ
fsr-3174	4	22	apply	apply	VERB
fsr-3174	4	23	it	it	PRON
fsr-3174	4	24	on	on	ADP
fsr-3174	4	25	data	datum	NOUN
fsr-3174	4	26	from	from	ADP
fsr-3174	4	27	a	a	DET
fsr-3174	4	28	broad	broad	ADJ
fsr-3174	4	29	and	and	CCONJ
fsr-3174	4	30	representative	representative	ADJ
fsr-3174	4	31	survey	survey	NOUN
fsr-3174	4	32	of	of	ADP
fsr-3174	4	33	the	the	DET
fsr-3174	4	34	german	german	ADJ
fsr-3174	4	35	central	central	ADJ
fsr-3174	4	36	bank	bank	NOUN
fsr-3174	4	37	.	.	PUNCT
fsr-3174	5	1	our	our	PRON
fsr-3174	5	2	sea	sea	NOUN
fsr-3174	5	3	allows	allow	VERB
fsr-3174	5	4	us	we	PRON
fsr-3174	5	5	to	to	PART
fsr-3174	5	6	investigate	investigate	VERB
fsr-3174	5	7	and	and	CCONJ
fsr-3174	5	8	quantitatively	quantitatively	ADV
fsr-3174	5	9	estimate	estimate	VERB
fsr-3174	5	10	complex	complex	ADJ
fsr-3174	5	11	relationships	relationship	NOUN
fsr-3174	5	12	and	and	CCONJ
fsr-3174	5	13	to	to	PART
fsr-3174	5	14	test	test	VERB
fsr-3174	5	15	several	several	ADJ
fsr-3174	5	16	hypotheses	hypothesis	NOUN
fsr-3174	5	17	simultaneously	simultaneously	ADV
fsr-3174	5	18	.	.	PUNCT
fsr-3174	6	1	our	our	PRON
fsr-3174	6	2	structural	structural	ADJ
fsr-3174	6	3	equation	equation	NOUN
fsr-3174	6	4	model	model	NOUN
fsr-3174	6	5	captures	capture	VERB
fsr-3174	6	6	about	about	ADV
fsr-3174	6	7	60	60	NUM
fsr-3174	6	8	%	%	NOUN
fsr-3174	6	9	of	of	ADP
fsr-3174	6	10	the	the	DET
fsr-3174	6	11	variation	variation	NOUN
fsr-3174	6	12	in	in	ADP
fsr-3174	6	13	the	the	DET
fsr-3174	6	14	capital	capital	NOUN
fsr-3174	6	15	market	market	NOUN
fsr-3174	6	16	participation	participation	NOUN
fsr-3174	6	17	decision	decision	NOUN
fsr-3174	6	18	.	.	PUNCT
fsr-3174	7	1	the	the	DET
fsr-3174	7	2	results	result	NOUN
fsr-3174	7	3	show	show	VERB
fsr-3174	7	4	that	that	SCONJ
fsr-3174	7	5	although	although	SCONJ
fsr-3174	7	6	households	household	NOUN
fsr-3174	7	7	'	'	PART
fsr-3174	7	8	financial	financial	ADJ
fsr-3174	7	9	literacy	literacy	NOUN
fsr-3174	7	10	and	and	CCONJ
fsr-3174	7	11	risk	risk	NOUN
fsr-3174	7	12	aversion	aversion	NOUN
fsr-3174	7	13	are	be	AUX
fsr-3174	7	14	most	most	ADV
fsr-3174	7	15	strongly	strongly	ADV
fsr-3174	7	16	related	relate	VERB
fsr-3174	7	17	to	to	ADP
fsr-3174	7	18	investments	investment	NOUN
fsr-3174	7	19	in	in	ADP
fsr-3174	7	20	risky	risky	ADJ
fsr-3174	7	21	assets	asset	NOUN
fsr-3174	7	22	,	,	PUNCT
fsr-3174	7	23	further	further	ADJ
fsr-3174	7	24	factors	factor	NOUN
fsr-3174	7	25	such	such	ADJ
fsr-3174	7	26	as	as	ADP
fsr-3174	7	27	wealth	wealth	NOUN
fsr-3174	7	28	,	,	PUNCT
fsr-3174	7	29	voluntary	voluntary	ADJ
fsr-3174	7	30	pension	pension	NOUN
fsr-3174	7	31	plans	plan	NOUN
fsr-3174	7	32	and	and	CCONJ
fsr-3174	7	33	whole	whole	ADJ
fsr-3174	7	34	life	life	NOUN
fsr-3174	7	35	insurance	insurance	NOUN
fsr-3174	7	36	contracts	contract	NOUN
fsr-3174	7	37	,	,	PUNCT
fsr-3174	7	38	financial	financial	ADJ
fsr-3174	7	39	advice	advice	NOUN
fsr-3174	7	40	,	,	PUNCT
fsr-3174	7	41	and	and	CCONJ
fsr-3174	7	42	investment	investment	NOUN
fsr-3174	7	43	experience	experience	NOUN
fsr-3174	7	44	should	should	AUX
fsr-3174	7	45	also	also	ADV
fsr-3174	7	46	be	be	AUX
fsr-3174	7	47	considered	consider	VERB
fsr-3174	7	48	.	.	PUNCT
fsr-3174	8	1	financial	financial	ADJ
fsr-3174	8	2	literacy	literacy	NOUN
fsr-3174	8	3	is	be	AUX
fsr-3174	8	4	negatively	negatively	ADV
fsr-3174	8	5	related	relate	VERB
fsr-3174	8	6	to	to	PART
fsr-3174	8	7	risk	risk	VERB
fsr-3174	8	8	aversion	aversion	NOUN
fsr-3174	8	9	(	(	PUNCT
fsr-3174	8	10	i.e.	i.e.	X
fsr-3174	8	11	,	,	PUNCT
fsr-3174	8	12	the	the	PRON
fsr-3174	8	13	higher	high	ADJ
fsr-3174	8	14	the	the	DET
fsr-3174	8	15	financial	financial	ADJ
fsr-3174	8	16	literacy	literacy	NOUN
fsr-3174	8	17	,	,	PUNCT
fsr-3174	8	18	the	the	DET
fsr-3174	8	19	lower	low	ADJ
fsr-3174	8	20	is	be	AUX
fsr-3174	8	21	the	the	DET
fsr-3174	8	22	risk	risk	NOUN
fsr-3174	8	23	aversion	aversion	NOUN
fsr-3174	8	24	)	)	PUNCT
fsr-3174	8	25	.	.	PUNCT
fsr-3174	9	1	age	age	NOUN
fsr-3174	9	2	and	and	CCONJ
fsr-3174	9	3	gender	gender	NOUN
fsr-3174	9	4	are	be	AUX
fsr-3174	9	5	directly	directly	ADV
fsr-3174	9	6	related	relate	VERB
fsr-3174	9	7	to	to	ADP
fsr-3174	9	8	capital	capital	NOUN
fsr-3174	9	9	market	market	NOUN
fsr-3174	9	10	participation	participation	NOUN
fsr-3174	9	11	and	and	CCONJ
fsr-3174	9	12	indirectly	indirectly	ADV
fsr-3174	9	13	via	via	ADP
fsr-3174	9	14	financial	financial	ADJ
fsr-3174	9	15	literacy	literacy	NOUN
fsr-3174	9	16	and	and	CCONJ
fsr-3174	9	17	risk	risk	NOUN
fsr-3174	9	18	attitude	attitude	NOUN
fsr-3174	9	19	.	.	PUNCT
fsr-3174	10	1	creative	creative	ADJ
fsr-3174	10	2	commons	common	NOUN
fsr-3174	10	3	license	license	NOUN
fsr-3174	10	4	this	this	DET
fsr-3174	10	5	work	work	NOUN
fsr-3174	10	6	is	be	AUX
fsr-3174	10	7	licensed	license	VERB
fsr-3174	10	8	under	under	ADP
fsr-3174	10	9	a	a	DET
fsr-3174	10	10	creative	creative	ADJ
fsr-3174	10	11	commons	common	NOUN
fsr-3174	10	12	attribution	attribution	NOUN
fsr-3174	10	13	-	-	PUNCT
fsr-3174	10	14	noncommercial	noncommercial	ADJ
fsr-3174	10	15	4.0	4.0	NUM
fsr-3174	10	16	license	license	NOUN
fsr-3174	10	17	recommended	recommend	VERB
fsr-3174	10	18	citation	citation	NOUN
fsr-3174	10	19	oehler	oehler	NOUN
fsr-3174	10	20	,	,	PUNCT
fsr-3174	10	21	a.	a.	PROPN
fsr-3174	10	22	,	,	PUNCT
fsr-3174	10	23	&	&	CCONJ
fsr-3174	10	24	horn	horn	PROPN
fsr-3174	10	25	,	,	PUNCT
fsr-3174	10	26	m.	m.	NOUN
fsr-3174	10	27	(	(	PUNCT
fsr-3174	10	28	2023	2023	NUM
fsr-3174	10	29	)	)	PUNCT
fsr-3174	10	30	.	.	PUNCT
fsr-3174	11	1	households	household	NOUN
fsr-3174	11	2	’	'	PUNCT
fsr-3174	11	3	decision	decision	NOUN
fsr-3174	11	4	on	on	ADP
fsr-3174	11	5	capital	capital	NOUN
fsr-3174	11	6	market	market	NOUN
fsr-3174	11	7	participation	participation	NOUN
fsr-3174	11	8	—	—	PUNCT
fsr-3174	11	9	what	what	PRON
fsr-3174	11	10	are	be	AUX
fsr-3174	11	11	the	the	DET
fsr-3174	11	12	drivers	driver	NOUN
fsr-3174	11	13	?	?	PUNCT
fsr-3174	12	1	a	a	DET
fsr-3174	12	2	multi	multi	ADJ
fsr-3174	12	3	-	-	ADJ
fsr-3174	12	4	factor	factor	NOUN
fsr-3174	12	5	contribution	contribution	NOUN
fsr-3174	12	6	to	to	ADP
fsr-3174	12	7	the	the	DET
fsr-3174	12	8	participation	participation	NOUN
fsr-3174	12	9	puzzle	puzzle	NOUN
fsr-3174	12	10	.	.	PUNCT
fsr-3174	13	1	financial	financial	ADJ
fsr-3174	13	2	services	service	NOUN
fsr-3174	13	3	review	review	NOUN
fsr-3174	13	4	,	,	PUNCT
fsr-3174	13	5	31(4	31(4	NUM
fsr-3174	13	6	)	)	PUNCT
fsr-3174	13	7	,	,	PUNCT
fsr-3174	13	8	283	283	NUM
fsr-3174	13	9	-	-	SYM
fsr-3174	13	10	304	304	NUM
fsr-3174	13	11	.	.	NOUN
fsr-3174	13	12	1	1	NUM
fsr-3174	13	13	corresponding	correspond	VERB
fsr-3174	13	14	author	author	NOUN
fsr-3174	13	15	(	(	PUNCT
fsr-3174	13	16	andreas.oehler@uni-bamberg.de	andreas.oehler@uni-bamberg.de	PROPN
fsr-3174	13	17	)	)	PUNCT
fsr-3174	13	18	.	.	PUNCT
fsr-3174	14	1	bamberg	bamberg	PROPN
fsr-3174	14	2	university	university	PROPN
fsr-3174	14	3	,	,	PUNCT
fsr-3174	14	4	bamberg	bamberg	PROPN
fsr-3174	14	5	,	,	PUNCT
fsr-3174	14	6	germany	germany	PROPN
fsr-3174	14	7	.	.	PUNCT
fsr-3174	15	1	we	we	PRON
fsr-3174	15	2	thank	thank	VERB
fsr-3174	15	3	john	john	PROPN
fsr-3174	15	4	grable	grable	PROPN
fsr-3174	15	5	(	(	PUNCT
fsr-3174	15	6	the	the	DET
fsr-3174	15	7	editor	editor	NOUN
fsr-3174	15	8	)	)	PUNCT
fsr-3174	15	9	,	,	PUNCT
fsr-3174	15	10	daniel	daniel	PROPN
fsr-3174	15	11	oehler	oehler	PROPN
fsr-3174	15	12	,	,	PUNCT
fsr-3174	15	13	julian	julian	PROPN
fsr-3174	15	14	schneider	schneider	PROPN
fsr-3174	15	15	,	,	PUNCT
fsr-3174	15	16	stefan	stefan	PROPN
fsr-3174	15	17	wendt	wendt	PROPN
fsr-3174	15	18	,	,	PUNCT
fsr-3174	15	19	and	and	CCONJ
fsr-3174	15	20	anonymous	anonymous	ADJ
fsr-3174	15	21	referees	referee	NOUN
fsr-3174	15	22	as	as	ADV
fsr-3174	15	23	well	well	ADV
fsr-3174	15	24	as	as	ADP
fsr-3174	15	25	participants	participant	NOUN
fsr-3174	15	26	at	at	ADP
fsr-3174	15	27	the	the	DET
fsr-3174	15	28	afs	afs	PROPN
fsr-3174	15	29	academy	academy	NOUN
fsr-3174	15	30	of	of	ADP
fsr-3174	15	31	financial	financial	ADJ
fsr-3174	15	32	services	service	NOUN
fsr-3174	15	33	2023	2023	NUM
fsr-3174	15	34	conference	conference	NOUN
fsr-3174	15	35	,	,	PUNCT
fsr-3174	15	36	psychonomic	psychonomic	ADJ
fsr-3174	15	37	society	society	NOUN
fsr-3174	15	38	2023	2023	NUM
fsr-3174	15	39	annual	annual	ADJ
fsr-3174	15	40	meeting	meeting	NOUN
fsr-3174	15	41	,	,	PUNCT
fsr-3174	15	42	and	and	CCONJ
fsr-3174	15	43	2023	2023	NUM
fsr-3174	15	44	society	society	NOUN
fsr-3174	15	45	for	for	ADP
fsr-3174	15	46	judgment	judgment	NOUN
fsr-3174	15	47	and	and	CCONJ
fsr-3174	15	48	decision	decision	NOUN
fsr-3174	15	49	making	make	VERB
fsr-3174	15	50	conference	conference	NOUN
fsr-3174	15	51	for	for	ADP
fsr-3174	15	52	valuable	valuable	ADJ
fsr-3174	15	53	comments	comment	NOUN
fsr-3174	15	54	and	and	CCONJ
fsr-3174	15	55	suggestions	suggestion	NOUN
fsr-3174	15	56	.	.	PUNCT
fsr-3174	16	1	all	all	DET
fsr-3174	16	2	remaining	remain	VERB
fsr-3174	16	3	errors	error	NOUN
fsr-3174	16	4	are	be	AUX
fsr-3174	16	5	our	our	PRON
fsr-3174	16	6	own	own	ADJ
fsr-3174	16	7	.	.	PUNCT
fsr-3174	17	1	this	this	DET
fsr-3174	17	2	paper	paper	NOUN
fsr-3174	17	3	uses	use	VERB
fsr-3174	17	4	data	datum	NOUN
fsr-3174	17	5	of	of	ADP
fsr-3174	17	6	the	the	DET
fsr-3174	17	7	panel	panel	NOUN
fsr-3174	17	8	on	on	ADP
fsr-3174	17	9	household	household	NOUN
fsr-3174	17	10	finances	finance	NOUN
fsr-3174	17	11	(	(	PUNCT
fsr-3174	17	12	phf	phf	NOUN
fsr-3174	17	13	)	)	PUNCT
fsr-3174	17	14	that	that	PRON
fsr-3174	17	15	is	be	AUX
fsr-3174	17	16	compiled	compile	VERB
fsr-3174	17	17	by	by	ADP
fsr-3174	17	18	the	the	DET
fsr-3174	17	19	german	german	ADJ
fsr-3174	17	20	central	central	ADJ
fsr-3174	17	21	bank	bank	PROPN
fsr-3174	17	22	(	(	PUNCT
fsr-3174	17	23	deutsche	deutsche	PROPN
fsr-3174	17	24	bundesbank	bundesbank	PROPN
fsr-3174	17	25	)	)	PUNCT
fsr-3174	17	26	.	.	PUNCT
fsr-3174	18	1	the	the	DET
fsr-3174	18	2	results	result	NOUN
fsr-3174	18	3	published	publish	VERB
fsr-3174	18	4	and	and	CCONJ
fsr-3174	18	5	the	the	DET
fsr-3174	18	6	related	related	ADJ
fsr-3174	18	7	observations	observation	NOUN
fsr-3174	18	8	and	and	CCONJ
fsr-3174	18	9	analyses	analysis	NOUN
fsr-3174	18	10	may	may	AUX
fsr-3174	18	11	not	not	PART
fsr-3174	18	12	correspond	correspond	VERB
fsr-3174	18	13	to	to	ADP
fsr-3174	18	14	results	result	NOUN
fsr-3174	18	15	or	or	CCONJ
fsr-3174	18	16	analyses	analysis	NOUN
fsr-3174	18	17	of	of	ADP
fsr-3174	18	18	the	the	DET
fsr-3174	18	19	data	datum	NOUN
fsr-3174	18	20	producers	producer	NOUN
fsr-3174	18	21	.	.	PUNCT
fsr-3174	19	1	the	the	DET
fsr-3174	19	2	authors	author	NOUN
fsr-3174	19	3	would	would	AUX
fsr-3174	19	4	like	like	VERB
fsr-3174	19	5	to	to	PART
fsr-3174	19	6	thank	thank	VERB
fsr-3174	19	7	german	german	ADJ
fsr-3174	19	8	central	central	ADJ
fsr-3174	19	9	bank	bank	NOUN
fsr-3174	19	10	for	for	ADP
fsr-3174	19	11	providing	provide	VERB
fsr-3174	19	12	the	the	DET
fsr-3174	19	13	dataset	dataset	NOUN
fsr-3174	19	14	.	.	PUNCT
fsr-3174	20	1	2	2	NUM
fsr-3174	20	2	bamberg	bamberg	PROPN
fsr-3174	20	3	university	university	PROPN
fsr-3174	20	4	,	,	PUNCT
fsr-3174	20	5	bamberg	bamberg	PROPN
fsr-3174	20	6	,	,	PUNCT
fsr-3174	20	7	germany	germany	PROPN
fsr-3174	20	8	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3174	20	9	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	INTJ
fsr-3174	20	10	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3174	20	11	https://creativecommons.org/licenses/by-nc/4.0/	https://creativecommons.org/licenses/by-nc/4.0/	PROPN
fsr-3174	20	12	financial	financial	ADJ
fsr-3174	20	13	services	service	NOUN
fsr-3174	20	14	review	review	NOUN
fsr-3174	20	15	,	,	PUNCT
fsr-3174	20	16	31(4	31(4	NUM
fsr-3174	20	17	)	)	PUNCT
fsr-3174	20	18	284	284	NUM
fsr-3174	20	19	introduction	introduction	NOUN
fsr-3174	20	20	the	the	DET
fsr-3174	20	21	participation	participation	NOUN
fsr-3174	20	22	of	of	ADP
fsr-3174	20	23	households	household	NOUN
fsr-3174	20	24	in	in	ADP
fsr-3174	20	25	stock	stock	NOUN
fsr-3174	20	26	markets	market	NOUN
fsr-3174	20	27	is	be	AUX
fsr-3174	20	28	one	one	NUM
fsr-3174	20	29	of	of	ADP
fsr-3174	20	30	the	the	DET
fsr-3174	20	31	key	key	ADJ
fsr-3174	20	32	issues	issue	NOUN
fsr-3174	20	33	in	in	ADP
fsr-3174	20	34	the	the	DET
fsr-3174	20	35	literature	literature	NOUN
fsr-3174	20	36	on	on	ADP
fsr-3174	20	37	empirical	empirical	ADJ
fsr-3174	20	38	financial	financial	ADJ
fsr-3174	20	39	markets	market	NOUN
fsr-3174	20	40	in	in	ADP
fsr-3174	20	41	general	general	ADJ
fsr-3174	20	42	and	and	CCONJ
fsr-3174	20	43	in	in	ADP
fsr-3174	20	44	the	the	DET
fsr-3174	20	45	emerging	emerge	VERB
fsr-3174	20	46	field	field	NOUN
fsr-3174	20	47	of	of	ADP
fsr-3174	20	48	household	household	NOUN
fsr-3174	20	49	finance	finance	NOUN
fsr-3174	20	50	in	in	ADP
fsr-3174	20	51	particular	particular	ADJ
fsr-3174	20	52	(	(	PUNCT
fsr-3174	20	53	campbell	campbell	PROPN
fsr-3174	20	54	,	,	PUNCT
fsr-3174	20	55	2006	2006	NUM
fsr-3174	20	56	;	;	PUNCT
fsr-3174	20	57	cocco	cocco	PROPN
fsr-3174	20	58	et	et	PROPN
fsr-3174	20	59	al	al	PROPN
fsr-3174	20	60	.	.	PROPN
fsr-3174	20	61	,	,	PUNCT
fsr-3174	20	62	2005	2005	NUM
fsr-3174	20	63	;	;	PUNCT
fsr-3174	20	64	guiso	guiso	PROPN
fsr-3174	20	65	&	&	CCONJ
fsr-3174	20	66	sodini	sodini	PROPN
fsr-3174	20	67	,	,	PUNCT
fsr-3174	20	68	2013	2013	NUM
fsr-3174	20	69	;	;	PUNCT
fsr-3174	20	70	halko	halko	ADV
fsr-3174	20	71	et	et	PROPN
fsr-3174	20	72	al	al	PROPN
fsr-3174	20	73	.	.	PROPN
fsr-3174	20	74	,	,	PUNCT
fsr-3174	20	75	2012	2012	NUM
fsr-3174	20	76	;	;	PUNCT
fsr-3174	20	77	kaustia	kaustia	PROPN
fsr-3174	20	78	et	et	PROPN
fsr-3174	20	79	al	al	PROPN
fsr-3174	20	80	.	.	PROPN
fsr-3174	20	81	,	,	PUNCT
fsr-3174	20	82	2023	2023	NUM
fsr-3174	20	83	;	;	PUNCT
fsr-3174	20	84	oehler	oehler	NOUN
fsr-3174	20	85	&	&	CCONJ
fsr-3174	20	86	horn	horn	PROPN
fsr-3174	20	87	,	,	PUNCT
fsr-3174	20	88	2021	2021	NUM
fsr-3174	20	89	;	;	PUNCT
fsr-3174	20	90	oehler	oehler	PROPN
fsr-3174	20	91	et	et	PROPN
fsr-3174	20	92	al	al	PROPN
fsr-3174	20	93	.	.	PROPN
fsr-3174	20	94	,	,	PUNCT
fsr-3174	20	95	2022a	2022a	NUM
fsr-3174	20	96	)	)	PUNCT
fsr-3174	20	97	.	.	PUNCT
fsr-3174	21	1	households	household	NOUN
fsr-3174	21	2	without	without	ADP
fsr-3174	21	3	stock	stock	NOUN
fsr-3174	21	4	investments	investment	NOUN
fsr-3174	21	5	do	do	AUX
fsr-3174	21	6	not	not	PART
fsr-3174	21	7	receive	receive	VERB
fsr-3174	21	8	the	the	DET
fsr-3174	21	9	equity	equity	NOUN
fsr-3174	21	10	premium	premium	NOUN
fsr-3174	21	11	and	and	CCONJ
fsr-3174	21	12	fail	fail	VERB
fsr-3174	21	13	to	to	PART
fsr-3174	21	14	invest	invest	VERB
fsr-3174	21	15	efficiently	efficiently	ADV
fsr-3174	21	16	(	(	PUNCT
fsr-3174	21	17	see	see	VERB
fsr-3174	21	18	mehra	mehra	PROPN
fsr-3174	21	19	&	&	CCONJ
fsr-3174	21	20	prescott	prescott	PROPN
fsr-3174	21	21	,	,	PUNCT
fsr-3174	21	22	1985	1985	NUM
fsr-3174	21	23	)	)	PUNCT
fsr-3174	21	24	.	.	PUNCT
fsr-3174	22	1	studies	study	NOUN
fsr-3174	22	2	have	have	AUX
fsr-3174	22	3	postulated	postulate	VERB
fsr-3174	22	4	theoretically	theoretically	ADV
fsr-3174	22	5	and	and	CCONJ
fsr-3174	22	6	empirically	empirically	ADV
fsr-3174	22	7	that	that	SCONJ
fsr-3174	22	8	financial	financial	ADJ
fsr-3174	22	9	literacy	literacy	NOUN
fsr-3174	22	10	,	,	PUNCT
fsr-3174	22	11	or	or	CCONJ
fsr-3174	22	12	the	the	DET
fsr-3174	22	13	lack	lack	NOUN
fsr-3174	22	14	thereof	thereof	ADV
fsr-3174	22	15	,	,	PUNCT
fsr-3174	22	16	is	be	AUX
fsr-3174	22	17	a	a	DET
fsr-3174	22	18	key	key	ADJ
fsr-3174	22	19	driver	driver	NOUN
fsr-3174	22	20	of	of	ADP
fsr-3174	22	21	whether	whether	SCONJ
fsr-3174	22	22	and	and	CCONJ
fsr-3174	22	23	to	to	ADP
fsr-3174	22	24	what	what	DET
fsr-3174	22	25	extent	extent	NOUN
fsr-3174	22	26	people	people	NOUN
fsr-3174	22	27	participate	participate	VERB
fsr-3174	22	28	in	in	ADP
fsr-3174	22	29	stock	stock	NOUN
fsr-3174	22	30	markets	market	NOUN
fsr-3174	22	31	(	(	PUNCT
fsr-3174	22	32	see	see	VERB
fsr-3174	22	33	chatterjee	chatterjee	PROPN
fsr-3174	22	34	et	et	PROPN
fsr-3174	22	35	al	al	PROPN
fsr-3174	22	36	.	.	PROPN
fsr-3174	22	37	,	,	PUNCT
fsr-3174	22	38	2017	2017	NUM
fsr-3174	22	39	;	;	PUNCT
fsr-3174	22	40	lusardi	lusardi	PROPN
fsr-3174	22	41	&	&	CCONJ
fsr-3174	22	42	mitchell	mitchell	PROPN
fsr-3174	22	43	,	,	PUNCT
fsr-3174	22	44	2008	2008	NUM
fsr-3174	22	45	;	;	PUNCT
fsr-3174	22	46	lusardi	lusardi	PROPN
fsr-3174	22	47	&	&	CCONJ
fsr-3174	22	48	mitchell	mitchell	PROPN
fsr-3174	22	49	,	,	PUNCT
fsr-3174	22	50	2014	2014	NUM
fsr-3174	22	51	;	;	PUNCT
fsr-3174	22	52	oehler	oehler	PROPN
fsr-3174	22	53	et	et	PROPN
fsr-3174	22	54	al	al	PROPN
fsr-3174	22	55	.	.	PROPN
fsr-3174	22	56	,	,	PUNCT
fsr-3174	22	57	2018b	2018b	NUM
fsr-3174	22	58	;	;	PUNCT
fsr-3174	22	59	oehler	oehler	PROPN
fsr-3174	22	60	et	et	PROPN
fsr-3174	22	61	al	al	PROPN
fsr-3174	22	62	.	.	PROPN
fsr-3174	22	63	,	,	PUNCT
fsr-3174	22	64	2022a	2022a	NUM
fsr-3174	22	65	;	;	PUNCT
fsr-3174	22	66	van	van	PROPN
fsr-3174	22	67	rooij	rooij	NOUN
fsr-3174	22	68	et	et	PROPN
fsr-3174	22	69	al	al	PROPN
fsr-3174	22	70	.	.	PROPN
fsr-3174	22	71	,	,	PUNCT
fsr-3174	22	72	2011	2011	NUM
fsr-3174	22	73	;	;	PUNCT
fsr-3174	22	74	von	von	PROPN
fsr-3174	22	75	gaudecker	gaudecker	PROPN
fsr-3174	22	76	,	,	PUNCT
fsr-3174	22	77	2015	2015	NUM
fsr-3174	22	78	;)	;)	PUNCT
fsr-3174	22	79	.	.	PUNCT
fsr-3174	23	1	although	although	SCONJ
fsr-3174	23	2	stock	stock	NOUN
fsr-3174	23	3	market	market	NOUN
fsr-3174	23	4	investments	investment	NOUN
fsr-3174	23	5	are	be	AUX
fsr-3174	23	6	in	in	ADP
fsr-3174	23	7	the	the	DET
fsr-3174	23	8	spotlight	spotlight	NOUN
fsr-3174	23	9	of	of	ADP
fsr-3174	23	10	the	the	DET
fsr-3174	23	11	household	household	NOUN
fsr-3174	23	12	finance	finance	NOUN
fsr-3174	23	13	literature	literature	NOUN
fsr-3174	23	14	,	,	PUNCT
fsr-3174	23	15	realworld	realworld	PROPN
fsr-3174	23	16	households	household	NOUN
fsr-3174	23	17	make	make	VERB
fsr-3174	23	18	other	other	ADJ
fsr-3174	23	19	financial	financial	ADJ
fsr-3174	23	20	decisions	decision	NOUN
fsr-3174	23	21	of	of	ADP
fsr-3174	23	22	higher	high	ADJ
fsr-3174	23	23	relevance	relevance	NOUN
fsr-3174	23	24	(	(	PUNCT
fsr-3174	23	25	kaustia	kaustia	PROPN
fsr-3174	23	26	et	et	PROPN
fsr-3174	23	27	al	al	PROPN
fsr-3174	23	28	.	.	PROPN
fsr-3174	23	29	,	,	PUNCT
fsr-3174	23	30	2023	2023	NUM
fsr-3174	23	31	)	)	PUNCT
fsr-3174	23	32	.	.	PUNCT
fsr-3174	24	1	decisions	decision	NOUN
fsr-3174	24	2	related	relate	VERB
fsr-3174	24	3	to	to	ADP
fsr-3174	24	4	housing	housing	NOUN
fsr-3174	24	5	or	or	CCONJ
fsr-3174	24	6	human	human	ADJ
fsr-3174	24	7	capital	capital	NOUN
fsr-3174	24	8	investments	investment	NOUN
fsr-3174	24	9	in	in	ADP
fsr-3174	24	10	earlier	early	ADJ
fsr-3174	24	11	stages	stage	NOUN
fsr-3174	24	12	in	in	ADP
fsr-3174	24	13	the	the	DET
fsr-3174	24	14	life	life	NOUN
fsr-3174	24	15	-	-	PUNCT
fsr-3174	24	16	cycle	cycle	NOUN
fsr-3174	24	17	are	be	AUX
fsr-3174	24	18	also	also	ADV
fsr-3174	24	19	important	important	ADJ
fsr-3174	24	20	as	as	SCONJ
fsr-3174	24	21	are	be	AUX
fsr-3174	24	22	investments	investment	NOUN
fsr-3174	24	23	in	in	ADP
fsr-3174	24	24	risky	risky	ADJ
fsr-3174	24	25	assets	asset	NOUN
fsr-3174	24	26	other	other	ADJ
fsr-3174	24	27	than	than	ADP
fsr-3174	24	28	stocks	stock	NOUN
fsr-3174	24	29	(	(	PUNCT
fsr-3174	24	30	e.g.	e.g.	ADV
fsr-3174	24	31	,	,	PUNCT
fsr-3174	24	32	bonds	bond	NOUN
fsr-3174	24	33	or	or	CCONJ
fsr-3174	24	34	mutual	mutual	ADJ
fsr-3174	24	35	funds	fund	NOUN
fsr-3174	24	36	)	)	PUNCT
fsr-3174	24	37	.	.	PUNCT
fsr-3174	25	1	kaustia	kaustia	PROPN
fsr-3174	25	2	et	et	PROPN
fsr-3174	25	3	al	al	PROPN
fsr-3174	25	4	.	.	PROPN
fsr-3174	26	1	(	(	PUNCT
fsr-3174	26	2	2019	2019	NUM
fsr-3174	26	3	)	)	PUNCT
fsr-3174	26	4	note	note	VERB
fsr-3174	26	5	that	that	SCONJ
fsr-3174	26	6	data	datum	NOUN
fsr-3174	26	7	availability	availability	NOUN
fsr-3174	26	8	has	have	AUX
fsr-3174	26	9	likely	likely	ADV
fsr-3174	26	10	been	be	AUX
fsr-3174	26	11	a	a	DET
fsr-3174	26	12	factor	factor	NOUN
fsr-3174	26	13	in	in	ADP
fsr-3174	26	14	the	the	DET
fsr-3174	26	15	number	number	NOUN
fsr-3174	26	16	of	of	ADP
fsr-3174	26	17	studies	study	NOUN
fsr-3174	26	18	conducted	conduct	VERB
fsr-3174	26	19	on	on	ADP
fsr-3174	26	20	stock	stock	NOUN
fsr-3174	26	21	market	market	NOUN
fsr-3174	26	22	participation	participation	NOUN
fsr-3174	26	23	versus	versus	ADP
fsr-3174	26	24	other	other	ADJ
fsr-3174	26	25	aspects	aspect	NOUN
fsr-3174	26	26	of	of	ADP
fsr-3174	26	27	household	household	NOUN
fsr-3174	26	28	finance	finance	NOUN
fsr-3174	26	29	.	.	PUNCT
fsr-3174	27	1	we	we	PRON
fsr-3174	27	2	contribute	contribute	VERB
fsr-3174	27	3	to	to	ADP
fsr-3174	27	4	addressing	address	VERB
fsr-3174	27	5	this	this	DET
fsr-3174	27	6	gap	gap	NOUN
fsr-3174	27	7	in	in	ADP
fsr-3174	27	8	the	the	DET
fsr-3174	27	9	literature	literature	NOUN
fsr-3174	27	10	.	.	PUNCT
fsr-3174	28	1	more	more	ADV
fsr-3174	28	2	specifically	specifically	ADV
fsr-3174	28	3	,	,	PUNCT
fsr-3174	28	4	we	we	PRON
fsr-3174	28	5	widen	widen	VERB
fsr-3174	28	6	the	the	DET
fsr-3174	28	7	scope	scope	NOUN
fsr-3174	28	8	of	of	ADP
fsr-3174	28	9	previous	previous	ADJ
fsr-3174	28	10	studies	study	NOUN
fsr-3174	28	11	from	from	ADP
fsr-3174	28	12	stock	stock	NOUN
fsr-3174	28	13	market	market	NOUN
fsr-3174	28	14	to	to	ADP
fsr-3174	28	15	capital	capital	NOUN
fsr-3174	28	16	market	market	NOUN
fsr-3174	28	17	investments	investment	NOUN
fsr-3174	28	18	and	and	CCONJ
fsr-3174	28	19	provide	provide	VERB
fsr-3174	28	20	a	a	DET
fsr-3174	28	21	multi	multi	ADJ
fsr-3174	28	22	-	-	ADJ
fsr-3174	28	23	factor	factor	ADJ
fsr-3174	28	24	structural	structural	ADJ
fsr-3174	28	25	analysis	analysis	NOUN
fsr-3174	28	26	with	with	ADP
fsr-3174	28	27	data	datum	NOUN
fsr-3174	28	28	from	from	ADP
fsr-3174	28	29	a	a	DET
fsr-3174	28	30	broad	broad	ADJ
fsr-3174	28	31	and	and	CCONJ
fsr-3174	28	32	representative	representative	ADJ
fsr-3174	28	33	survey	survey	NOUN
fsr-3174	28	34	of	of	ADP
fsr-3174	28	35	the	the	DET
fsr-3174	28	36	german	german	ADJ
fsr-3174	28	37	central	central	ADJ
fsr-3174	28	38	bank	bank	NOUN
fsr-3174	28	39	.	.	PUNCT
fsr-3174	29	1	our	our	PRON
fsr-3174	29	2	data	datum	NOUN
fsr-3174	29	3	allow	allow	VERB
fsr-3174	29	4	both	both	DET
fsr-3174	29	5	a	a	DET
fsr-3174	29	6	differentiated	differentiated	ADJ
fsr-3174	29	7	analysis	analysis	NOUN
fsr-3174	29	8	of	of	ADP
fsr-3174	29	9	capital	capital	NOUN
fsr-3174	29	10	market	market	NOUN
fsr-3174	29	11	participation	participation	NOUN
fsr-3174	29	12	(	(	PUNCT
fsr-3174	29	13	i.e.	i.e.	X
fsr-3174	29	14	,	,	PUNCT
fsr-3174	29	15	not	not	PART
fsr-3174	29	16	only	only	ADV
fsr-3174	29	17	equities	equity	NOUN
fsr-3174	29	18	but	but	CCONJ
fsr-3174	29	19	also	also	ADV
fsr-3174	29	20	other	other	ADJ
fsr-3174	29	21	risky	risky	ADJ
fsr-3174	29	22	assets	asset	NOUN
fsr-3174	29	23	such	such	ADJ
fsr-3174	29	24	as	as	ADP
fsr-3174	29	25	mutual	mutual	ADJ
fsr-3174	29	26	funds	fund	NOUN
fsr-3174	29	27	or	or	CCONJ
fsr-3174	29	28	bonds	bond	NOUN
fsr-3174	29	29	,	,	PUNCT
fsr-3174	29	30	and	and	CCONJ
fsr-3174	29	31	a	a	DET
fsr-3174	29	32	consideration	consideration	NOUN
fsr-3174	29	33	of	of	ADP
fsr-3174	29	34	financial	financial	ADJ
fsr-3174	29	35	and	and	CCONJ
fsr-3174	29	36	non	non	ADJ
fsr-3174	29	37	-	-	ADJ
fsr-3174	29	38	financial	financial	ADJ
fsr-3174	29	39	factors	factor	NOUN
fsr-3174	29	40	of	of	ADP
fsr-3174	29	41	households	household	NOUN
fsr-3174	29	42	'	'	PART
fsr-3174	29	43	capital	capital	NOUN
fsr-3174	29	44	market	market	NOUN
fsr-3174	29	45	participation	participation	NOUN
fsr-3174	29	46	)	)	PUNCT
fsr-3174	29	47	.	.	PUNCT
fsr-3174	30	1	our	our	PRON
fsr-3174	30	2	structural	structural	ADJ
fsr-3174	30	3	equation	equation	NOUN
fsr-3174	30	4	analysis	analysis	NOUN
fsr-3174	30	5	(	(	PUNCT
fsr-3174	30	6	sea	sea	NOUN
fsr-3174	30	7	)	)	PUNCT
fsr-3174	30	8	allows	allow	VERB
fsr-3174	30	9	us	we	PRON
fsr-3174	30	10	to	to	PART
fsr-3174	30	11	investigate	investigate	VERB
fsr-3174	30	12	and	and	CCONJ
fsr-3174	30	13	quantitatively	quantitatively	ADV
fsr-3174	30	14	estimate	estimate	VERB
fsr-3174	30	15	complex	complex	ADJ
fsr-3174	30	16	relationship	relationship	NOUN
fsr-3174	30	17	structures	structure	NOUN
fsr-3174	30	18	between	between	ADP
fsr-3174	30	19	manifest	manifest	ADJ
fsr-3174	30	20	and/or	and/or	CCONJ
fsr-3174	30	21	latent	latent	NOUN
fsr-3174	30	22	variables	variable	NOUN
fsr-3174	30	23	.	.	PUNCT
fsr-3174	31	1	in	in	ADP
fsr-3174	31	2	contrast	contrast	NOUN
fsr-3174	31	3	to	to	ADP
fsr-3174	31	4	a	a	DET
fsr-3174	31	5	regression	regression	NOUN
fsr-3174	31	6	analysis	analysis	NOUN
fsr-3174	31	7	,	,	PUNCT
fsr-3174	31	8	sea	sea	NOUN
fsr-3174	31	9	tests	test	NOUN
fsr-3174	31	10	complex	complex	ADJ
fsr-3174	31	11	variable	variable	ADJ
fsr-3174	31	12	relationships	relationship	NOUN
fsr-3174	31	13	that	that	PRON
fsr-3174	31	14	reflect	reflect	VERB
fsr-3174	31	15	causal	causal	ADJ
fsr-3174	31	16	conjectures	conjecture	VERB
fsr-3174	31	17	about	about	ADP
fsr-3174	31	18	the	the	DET
fsr-3174	31	19	relationship	relationship	NOUN
fsr-3174	31	20	structures	structure	NOUN
fsr-3174	31	21	among	among	ADP
fsr-3174	31	22	the	the	DET
fsr-3174	31	23	variables	variable	NOUN
fsr-3174	31	24	under	under	ADP
fsr-3174	31	25	consideration	consideration	NOUN
fsr-3174	31	26	.	.	PUNCT
fsr-3174	32	1	“	"	PUNCT
fsr-3174	32	2	complex	complex	ADJ
fsr-3174	32	3	”	"	PUNCT
fsr-3174	32	4	in	in	ADP
fsr-3174	32	5	this	this	DET
fsr-3174	32	6	context	context	NOUN
fsr-3174	32	7	means	mean	VERB
fsr-3174	32	8	that	that	SCONJ
fsr-3174	32	9	several	several	ADJ
fsr-3174	32	10	causal	causal	ADJ
fsr-3174	32	11	hypotheses	hypothesis	NOUN
fsr-3174	32	12	are	be	AUX
fsr-3174	32	13	considered	consider	VERB
fsr-3174	32	14	simultaneously	simultaneously	ADV
fsr-3174	32	15	.	.	PUNCT
fsr-3174	33	1	our	our	PRON
fsr-3174	33	2	structural	structural	ADJ
fsr-3174	33	3	equation	equation	NOUN
fsr-3174	33	4	model	model	NOUN
fsr-3174	33	5	explains	explain	VERB
fsr-3174	33	6	about	about	ADP
fsr-3174	33	7	60	60	NUM
fsr-3174	33	8	%	%	NOUN
fsr-3174	33	9	of	of	ADP
fsr-3174	33	10	the	the	DET
fsr-3174	33	11	variation	variation	NOUN
fsr-3174	33	12	in	in	ADP
fsr-3174	33	13	the	the	DET
fsr-3174	33	14	capital	capital	NOUN
fsr-3174	33	15	market	market	NOUN
fsr-3174	33	16	participation	participation	NOUN
fsr-3174	33	17	decision	decision	NOUN
fsr-3174	33	18	.	.	PUNCT
fsr-3174	34	1	our	our	PRON
fsr-3174	34	2	results	result	NOUN
fsr-3174	34	3	show	show	VERB
fsr-3174	34	4	that	that	SCONJ
fsr-3174	34	5	although	although	SCONJ
fsr-3174	34	6	households	household	NOUN
fsr-3174	34	7	'	'	PART
fsr-3174	34	8	financial	financial	ADJ
fsr-3174	34	9	literacy	literacy	NOUN
fsr-3174	34	10	and	and	CCONJ
fsr-3174	34	11	risk	risk	NOUN
fsr-3174	34	12	aversion	aversion	NOUN
fsr-3174	34	13	are	be	AUX
fsr-3174	34	14	the	the	DET
fsr-3174	34	15	dominant	dominant	ADJ
fsr-3174	34	16	drivers	driver	NOUN
fsr-3174	34	17	of	of	ADP
fsr-3174	34	18	investments	investment	NOUN
fsr-3174	34	19	in	in	ADP
fsr-3174	34	20	risky	risky	ADJ
fsr-3174	34	21	assets	asset	NOUN
fsr-3174	34	22	,	,	PUNCT
fsr-3174	34	23	wealth	wealth	NOUN
fsr-3174	34	24	,	,	PUNCT
fsr-3174	34	25	voluntary	voluntary	ADJ
fsr-3174	34	26	pension	pension	NOUN
fsr-3174	34	27	plans	plan	NOUN
fsr-3174	34	28	and	and	CCONJ
fsr-3174	34	29	whole	whole	ADJ
fsr-3174	34	30	life	life	NOUN
fsr-3174	34	31	insurance	insurance	NOUN
fsr-3174	34	32	contracts	contract	NOUN
fsr-3174	34	33	,	,	PUNCT
fsr-3174	34	34	financial	financial	ADJ
fsr-3174	34	35	advice	advice	NOUN
fsr-3174	34	36	,	,	PUNCT
fsr-3174	34	37	and	and	CCONJ
fsr-3174	34	38	investment	investment	NOUN
fsr-3174	34	39	experience	experience	NOUN
fsr-3174	34	40	play	play	VERB
fsr-3174	34	41	a	a	DET
fsr-3174	34	42	remarkable	remarkable	ADJ
fsr-3174	34	43	role	role	NOUN
fsr-3174	34	44	.	.	PUNCT
fsr-3174	35	1	financial	financial	ADJ
fsr-3174	35	2	literacy	literacy	NOUN
fsr-3174	35	3	has	have	VERB
fsr-3174	35	4	a	a	DET
fsr-3174	35	5	negative	negative	ADJ
fsr-3174	35	6	influence	influence	NOUN
fsr-3174	35	7	on	on	ADP
fsr-3174	35	8	risk	risk	NOUN
fsr-3174	35	9	aversion	aversion	NOUN
fsr-3174	35	10	(	(	PUNCT
fsr-3174	35	11	i.e.	i.e.	X
fsr-3174	35	12	,	,	PUNCT
fsr-3174	35	13	the	the	PRON
fsr-3174	35	14	higher	high	ADJ
fsr-3174	35	15	the	the	DET
fsr-3174	35	16	financial	financial	ADJ
fsr-3174	35	17	literacy	literacy	NOUN
fsr-3174	35	18	,	,	PUNCT
fsr-3174	35	19	the	the	DET
fsr-3174	35	20	lower	low	ADJ
fsr-3174	35	21	is	be	AUX
fsr-3174	35	22	the	the	DET
fsr-3174	35	23	risk	risk	NOUN
fsr-3174	35	24	aversion	aversion	NOUN
fsr-3174	35	25	)	)	PUNCT
fsr-3174	35	26	.	.	PUNCT
fsr-3174	36	1	we	we	PRON
fsr-3174	36	2	do	do	AUX
fsr-3174	36	3	not	not	PART
fsr-3174	36	4	find	find	VERB
fsr-3174	36	5	significant	significant	ADJ
fsr-3174	36	6	results	result	NOUN
fsr-3174	36	7	of	of	ADP
fsr-3174	36	8	housing	housing	NOUN
fsr-3174	36	9	on	on	ADP
fsr-3174	36	10	capital	capital	NOUN
fsr-3174	36	11	market	market	NOUN
fsr-3174	36	12	participation	participation	NOUN
fsr-3174	36	13	,	,	PUNCT
fsr-3174	36	14	but	but	CCONJ
fsr-3174	36	15	age	age	NOUN
fsr-3174	36	16	and	and	CCONJ
fsr-3174	36	17	gender	gender	NOUN
fsr-3174	36	18	play	play	VERB
fsr-3174	36	19	a	a	DET
fsr-3174	36	20	role	role	NOUN
fsr-3174	36	21	,	,	PUNCT
fsr-3174	36	22	directly	directly	ADV
fsr-3174	36	23	,	,	PUNCT
fsr-3174	36	24	and	and	CCONJ
fsr-3174	36	25	indirectly	indirectly	ADV
fsr-3174	36	26	via	via	ADP
fsr-3174	36	27	financial	financial	ADJ
fsr-3174	36	28	literacy	literacy	NOUN
fsr-3174	36	29	and	and	CCONJ
fsr-3174	36	30	risk	risk	NOUN
fsr-3174	36	31	attitude	attitude	NOUN
fsr-3174	36	32	.	.	PUNCT
fsr-3174	37	1	our	our	PRON
fsr-3174	37	2	study	study	NOUN
fsr-3174	37	3	is	be	AUX
fsr-3174	37	4	organized	organize	VERB
fsr-3174	37	5	as	as	SCONJ
fsr-3174	37	6	follows	follow	VERB
fsr-3174	37	7	:	:	PUNCT
fsr-3174	37	8	in	in	ADP
fsr-3174	37	9	the	the	DET
fsr-3174	37	10	next	next	ADJ
fsr-3174	37	11	section	section	NOUN
fsr-3174	37	12	,	,	PUNCT
fsr-3174	37	13	we	we	PRON
fsr-3174	37	14	review	review	VERB
fsr-3174	37	15	the	the	DET
fsr-3174	37	16	literature	literature	NOUN
fsr-3174	37	17	.	.	PUNCT
fsr-3174	38	1	in	in	ADP
fsr-3174	38	2	the	the	DET
fsr-3174	38	3	third	third	ADJ
fsr-3174	38	4	section	section	NOUN
fsr-3174	38	5	,	,	PUNCT
fsr-3174	38	6	we	we	PRON
fsr-3174	38	7	introduce	introduce	VERB
fsr-3174	38	8	the	the	DET
fsr-3174	38	9	dataset	dataset	NOUN
fsr-3174	38	10	and	and	CCONJ
fsr-3174	38	11	the	the	DET
fsr-3174	38	12	methodology	methodology	NOUN
fsr-3174	38	13	of	of	ADP
fsr-3174	38	14	our	our	PRON
fsr-3174	38	15	structural	structural	ADJ
fsr-3174	38	16	equation	equation	NOUN
fsr-3174	38	17	analysis	analysis	NOUN
fsr-3174	38	18	.	.	PUNCT
fsr-3174	39	1	we	we	PRON
fsr-3174	39	2	then	then	ADV
fsr-3174	39	3	present	present	VERB
fsr-3174	39	4	the	the	DET
fsr-3174	39	5	variables	variable	NOUN
fsr-3174	39	6	of	of	ADP
fsr-3174	39	7	the	the	DET
fsr-3174	39	8	structural	structural	ADJ
fsr-3174	39	9	equation	equation	NOUN
fsr-3174	39	10	analysis	analysis	NOUN
fsr-3174	39	11	,	,	PUNCT
fsr-3174	39	12	provide	provide	VERB
fsr-3174	39	13	descriptive	descriptive	ADJ
fsr-3174	39	14	statistics	statistic	NOUN
fsr-3174	39	15	,	,	PUNCT
fsr-3174	39	16	and	and	CCONJ
fsr-3174	39	17	outline	outline	VERB
fsr-3174	39	18	our	our	PRON
fsr-3174	39	19	hypotheses	hypothesis	NOUN
fsr-3174	39	20	.	.	PUNCT
fsr-3174	40	1	the	the	DET
fsr-3174	40	2	paper	paper	NOUN
fsr-3174	40	3	concludes	conclude	VERB
fsr-3174	40	4	with	with	ADP
fsr-3174	40	5	the	the	DET
fsr-3174	40	6	presentation	presentation	NOUN
fsr-3174	40	7	and	and	CCONJ
fsr-3174	40	8	discussion	discussion	NOUN
fsr-3174	40	9	of	of	ADP
fsr-3174	40	10	findings	finding	NOUN
fsr-3174	40	11	.	.	PUNCT
fsr-3174	41	1	literature	literature	PROPN
fsr-3174	41	2	review	review	PROPN
fsr-3174	41	3	according	accord	VERB
fsr-3174	41	4	to	to	ADP
fsr-3174	41	5	neoclassical	neoclassical	ADJ
fsr-3174	41	6	models	model	NOUN
fsr-3174	41	7	,	,	PUNCT
fsr-3174	41	8	capital	capital	NOUN
fsr-3174	41	9	market	market	NOUN
fsr-3174	41	10	participation	participation	NOUN
fsr-3174	41	11	is	be	AUX
fsr-3174	41	12	only	only	ADV
fsr-3174	41	13	determined	determine	VERB
fsr-3174	41	14	by	by	ADP
fsr-3174	41	15	risk	risk	NOUN
fsr-3174	41	16	attitude	attitude	NOUN
fsr-3174	41	17	and	and	CCONJ
fsr-3174	41	18	each	each	DET
fsr-3174	41	19	household	household	NOUN
fsr-3174	41	20	should	should	AUX
fsr-3174	41	21	participate	participate	VERB
fsr-3174	41	22	to	to	PART
fsr-3174	41	23	get	get	VERB
fsr-3174	41	24	a	a	DET
fsr-3174	41	25	share	share	NOUN
fsr-3174	41	26	of	of	ADP
fsr-3174	41	27	the	the	DET
fsr-3174	41	28	equity	equity	NOUN
fsr-3174	41	29	premium	premium	NOUN
fsr-3174	41	30	(	(	PUNCT
fsr-3174	41	31	guiso	guiso	PROPN
fsr-3174	41	32	&	&	CCONJ
fsr-3174	41	33	sodini	sodini	PROPN
fsr-3174	41	34	,	,	PUNCT
fsr-3174	41	35	2013	2013	NUM
fsr-3174	41	36	,	,	PUNCT
fsr-3174	41	37	pp	pp	ADJ
fsr-3174	41	38	.	.	PUNCT
fsr-3174	42	1	1424	1424	NUM
fsr-3174	42	2	et	et	PROPN
fsr-3174	42	3	sqq	sqq	PROPN
fsr-3174	42	4	.	.	PUNCT
fsr-3174	42	5	;	;	PUNCT
fsr-3174	42	6	merton	merton	PROPN
fsr-3174	42	7	,	,	PUNCT
fsr-3174	42	8	1969	1969	NUM
fsr-3174	42	9	)	)	PUNCT
fsr-3174	42	10	.	.	PUNCT
fsr-3174	43	1	hence	hence	ADV
fsr-3174	43	2	,	,	PUNCT
fsr-3174	43	3	households	household	NOUN
fsr-3174	43	4	’	'	PUNCT
fsr-3174	43	5	risk	risk	NOUN
fsr-3174	43	6	attitude	attitude	NOUN
fsr-3174	43	7	is	be	AUX
fsr-3174	43	8	considered	consider	VERB
fsr-3174	43	9	as	as	ADP
fsr-3174	43	10	the	the	DET
fsr-3174	43	11	most	most	ADV
fsr-3174	43	12	important	important	ADJ
fsr-3174	43	13	determinant	determinant	ADJ
fsr-3174	43	14	in	in	ADP
fsr-3174	43	15	both	both	CCONJ
fsr-3174	43	16	theoretical	theoretical	ADJ
fsr-3174	43	17	asset	asset	NOUN
fsr-3174	43	18	pricing	pricing	NOUN
fsr-3174	43	19	models	model	NOUN
fsr-3174	43	20	and	and	CCONJ
fsr-3174	43	21	studies	study	NOUN
fsr-3174	43	22	that	that	PRON
fsr-3174	43	23	aim	aim	VERB
fsr-3174	43	24	to	to	PART
fsr-3174	43	25	empirically	empirically	ADV
fsr-3174	43	26	explain	explain	VERB
fsr-3174	43	27	households	household	NOUN
fsr-3174	43	28	’	'	PUNCT
fsr-3174	43	29	investment	investment	NOUN
fsr-3174	43	30	decisions	decision	NOUN
fsr-3174	43	31	(	(	PUNCT
fsr-3174	43	32	cohn	cohn	PROPN
fsr-3174	43	33	et	et	PROPN
fsr-3174	43	34	al	al	PROPN
fsr-3174	43	35	.	.	PROPN
fsr-3174	43	36	,	,	PUNCT
fsr-3174	43	37	1975	1975	NUM
fsr-3174	43	38	;	;	PUNCT
fsr-3174	43	39	dorn	dorn	PROPN
fsr-3174	43	40	&	&	CCONJ
fsr-3174	43	41	huberman	huberman	NOUN
fsr-3174	43	42	,	,	PUNCT
fsr-3174	43	43	2005	2005	NUM
fsr-3174	43	44	)	)	PUNCT
fsr-3174	43	45	.	.	PUNCT
fsr-3174	44	1	studies	study	NOUN
fsr-3174	44	2	often	often	ADV
fsr-3174	44	3	try	try	VERB
fsr-3174	44	4	to	to	PART
fsr-3174	44	5	find	find	VERB
fsr-3174	44	6	explanations	explanation	NOUN
fsr-3174	44	7	for	for	ADP
fsr-3174	44	8	solving	solve	VERB
fsr-3174	44	9	the	the	DET
fsr-3174	44	10	equity	equity	NOUN
fsr-3174	44	11	premium	premium	NOUN
fsr-3174	44	12	puzzle	puzzle	NOUN
fsr-3174	44	13	(	(	PUNCT
fsr-3174	44	14	i.e.	i.e.	X
fsr-3174	44	15	,	,	PUNCT
fsr-3174	44	16	the	the	DET
fsr-3174	44	17	phenomenon	phenomenon	NOUN
fsr-3174	44	18	that	that	SCONJ
fsr-3174	44	19	many	many	ADJ
fsr-3174	44	20	households	household	NOUN
fsr-3174	44	21	actually	actually	ADV
fsr-3174	44	22	do	do	AUX
fsr-3174	44	23	not	not	PART
fsr-3174	44	24	invest	invest	VERB
fsr-3174	44	25	in	in	ADP
fsr-3174	44	26	stocks	stock	NOUN
fsr-3174	44	27	at	at	ADV
fsr-3174	44	28	all	all	ADV
fsr-3174	44	29	)	)	PUNCT
fsr-3174	44	30	(	(	PUNCT
fsr-3174	44	31	mehra	mehra	PROPN
fsr-3174	44	32	&	&	CCONJ
fsr-3174	44	33	prescott	prescott	PROPN
fsr-3174	44	34	,	,	PUNCT
fsr-3174	44	35	1985	1985	NUM
fsr-3174	44	36	)	)	PUNCT
fsr-3174	44	37	.	.	PUNCT
fsr-3174	45	1	it	it	PRON
fsr-3174	45	2	has	have	AUX
fsr-3174	45	3	been	be	AUX
fsr-3174	45	4	well	well	ADV
fsr-3174	45	5	established	establish	VERB
fsr-3174	45	6	that	that	SCONJ
fsr-3174	45	7	further	further	ADJ
fsr-3174	45	8	factors	factor	NOUN
fsr-3174	45	9	in	in	ADP
fsr-3174	45	10	addition	addition	NOUN
fsr-3174	45	11	to	to	ADP
fsr-3174	45	12	risk	risk	NOUN
fsr-3174	45	13	attitude	attitude	NOUN
fsr-3174	45	14	are	be	AUX
fsr-3174	45	15	relevant	relevant	ADJ
fsr-3174	45	16	for	for	ADP
fsr-3174	45	17	stock	stock	NOUN
fsr-3174	45	18	market	market	NOUN
fsr-3174	45	19	participation	participation	NOUN
fsr-3174	45	20	.	.	PUNCT
fsr-3174	46	1	an	an	DET
fsr-3174	46	2	explanation	explanation	NOUN
fsr-3174	46	3	for	for	ADP
fsr-3174	46	4	oehler	oehler	NOUN
fsr-3174	46	5	&	&	CCONJ
fsr-3174	46	6	horn	horn	VERB
fsr-3174	46	7	285	285	NUM
fsr-3174	46	8	households	household	NOUN
fsr-3174	46	9	’	'	PUNCT
fsr-3174	46	10	non	non	NOUN
fsr-3174	46	11	-	-	NOUN
fsr-3174	46	12	participation	participation	NOUN
fsr-3174	46	13	in	in	ADP
fsr-3174	46	14	the	the	DET
fsr-3174	46	15	stock	stock	NOUN
fsr-3174	46	16	market	market	NOUN
fsr-3174	46	17	is	be	AUX
fsr-3174	46	18	that	that	SCONJ
fsr-3174	46	19	they	they	PRON
fsr-3174	46	20	do	do	AUX
fsr-3174	46	21	not	not	PART
fsr-3174	46	22	know	know	VERB
fsr-3174	46	23	the	the	DET
fsr-3174	46	24	benefits	benefit	NOUN
fsr-3174	46	25	of	of	ADP
fsr-3174	46	26	an	an	DET
fsr-3174	46	27	investment	investment	NOUN
fsr-3174	46	28	.	.	PUNCT
fsr-3174	47	1	this	this	PRON
fsr-3174	47	2	is	be	AUX
fsr-3174	47	3	backed	back	VERB
fsr-3174	47	4	up	up	ADP
fsr-3174	47	5	by	by	ADP
fsr-3174	47	6	studies	study	NOUN
fsr-3174	47	7	that	that	PRON
fsr-3174	47	8	find	find	VERB
fsr-3174	47	9	a	a	DET
fsr-3174	47	10	significant	significant	ADJ
fsr-3174	47	11	influence	influence	NOUN
fsr-3174	47	12	of	of	ADP
fsr-3174	47	13	financial	financial	ADJ
fsr-3174	47	14	literacy	literacy	NOUN
fsr-3174	47	15	on	on	ADP
fsr-3174	47	16	stock	stock	NOUN
fsr-3174	47	17	market	market	NOUN
fsr-3174	47	18	participation	participation	NOUN
fsr-3174	47	19	(	(	PUNCT
fsr-3174	47	20	beshears	beshear	NOUN
fsr-3174	47	21	et	et	PROPN
fsr-3174	47	22	al	al	PROPN
fsr-3174	47	23	.	.	PROPN
fsr-3174	47	24	,	,	PUNCT
fsr-3174	47	25	2018	2018	NUM
fsr-3174	47	26	;	;	PUNCT
fsr-3174	47	27	kaustia	kaustia	PROPN
fsr-3174	47	28	et	et	PROPN
fsr-3174	47	29	al	al	PROPN
fsr-3174	47	30	.	.	PROPN
fsr-3174	47	31	,	,	PUNCT
fsr-3174	47	32	2023	2023	NUM
fsr-3174	47	33	;	;	PUNCT
fsr-3174	47	34	laurinaityte	laurinaityte	PROPN
fsr-3174	47	35	,	,	PUNCT
fsr-3174	47	36	2018	2018	NUM
fsr-3174	47	37	;	;	PUNCT
fsr-3174	47	38	van	van	PROPN
fsr-3174	47	39	rooij	rooij	NOUN
fsr-3174	47	40	et	et	PROPN
fsr-3174	47	41	al	al	PROPN
fsr-3174	47	42	.	.	PROPN
fsr-3174	47	43	,	,	PUNCT
fsr-3174	47	44	2011	2011	NUM
fsr-3174	47	45	;	;	PUNCT
fsr-3174	47	46	von	von	PROPN
fsr-3174	47	47	gaudecker	gaudecker	NOUN
fsr-3174	47	48	,	,	PUNCT
fsr-3174	47	49	2015	2015	NUM
fsr-3174	47	50	)	)	PUNCT
fsr-3174	47	51	.	.	PUNCT
fsr-3174	48	1	in	in	ADP
fsr-3174	48	2	addition	addition	NOUN
fsr-3174	48	3	,	,	PUNCT
fsr-3174	48	4	households	household	NOUN
fsr-3174	48	5	with	with	ADP
fsr-3174	48	6	a	a	DET
fsr-3174	48	7	higher	high	ADJ
fsr-3174	48	8	total	total	ADJ
fsr-3174	48	9	wealth	wealth	NOUN
fsr-3174	48	10	face	face	VERB
fsr-3174	48	11	lower	low	ADJ
fsr-3174	48	12	relative	relative	ADJ
fsr-3174	48	13	fixed	fix	VERB
fsr-3174	48	14	participation	participation	NOUN
fsr-3174	48	15	costs	cost	NOUN
fsr-3174	48	16	and	and	CCONJ
fsr-3174	48	17	are	be	AUX
fsr-3174	48	18	,	,	PUNCT
fsr-3174	48	19	therefore	therefore	ADV
fsr-3174	48	20	,	,	PUNCT
fsr-3174	48	21	more	more	ADV
fsr-3174	48	22	likely	likely	ADJ
fsr-3174	48	23	to	to	PART
fsr-3174	48	24	own	own	VERB
fsr-3174	48	25	stocks	stock	NOUN
fsr-3174	48	26	(	(	PUNCT
fsr-3174	48	27	campbell	campbell	PROPN
fsr-3174	48	28	,	,	PUNCT
fsr-3174	48	29	2006	2006	NUM
fsr-3174	48	30	;	;	PUNCT
fsr-3174	48	31	bilias	bilia	NOUN
fsr-3174	48	32	et	et	PROPN
fsr-3174	48	33	al	al	PROPN
fsr-3174	48	34	.	.	PROPN
fsr-3174	48	35	,	,	PUNCT
fsr-3174	48	36	2010	2010	NUM
fsr-3174	48	37	;	;	PUNCT
fsr-3174	48	38	calvet	calvet	NOUN
fsr-3174	48	39	et	et	PROPN
fsr-3174	48	40	al	al	PROPN
fsr-3174	48	41	.	.	PROPN
fsr-3174	48	42	,	,	PUNCT
fsr-3174	48	43	2007	2007	NUM
fsr-3174	48	44	;	;	PUNCT
fsr-3174	48	45	haliassos	haliassos	PROPN
fsr-3174	48	46	&	&	CCONJ
fsr-3174	48	47	bertaut	bertaut	PROPN
fsr-3174	48	48	,	,	PUNCT
fsr-3174	48	49	1995	1995	NUM
fsr-3174	48	50	;	;	PUNCT
fsr-3174	48	51	kaustia	kaustia	PROPN
fsr-3174	48	52	et	et	PROPN
fsr-3174	48	53	al	al	PROPN
fsr-3174	48	54	.	.	PROPN
fsr-3174	48	55	,	,	PUNCT
fsr-3174	48	56	2023	2023	NUM
fsr-3174	48	57	;	;	PUNCT
fsr-3174	48	58	vissing	visse	VERB
fsr-3174	48	59	-	-	PUNCT
fsr-3174	48	60	jorgensen	jorgensen	PROPN
fsr-3174	48	61	,	,	PUNCT
fsr-3174	48	62	2004	2004	NUM
fsr-3174	48	63	)	)	PUNCT
fsr-3174	48	64	.	.	PUNCT
fsr-3174	49	1	households	household	NOUN
fsr-3174	49	2	’	'	PUNCT
fsr-3174	49	3	monthly	monthly	ADJ
fsr-3174	49	4	income	income	NOUN
fsr-3174	49	5	determines	determine	VERB
fsr-3174	49	6	the	the	DET
fsr-3174	49	7	amount	amount	NOUN
fsr-3174	49	8	of	of	ADP
fsr-3174	49	9	money	money	NOUN
fsr-3174	49	10	a	a	DET
fsr-3174	49	11	households	household	NOUN
fsr-3174	49	12	is	be	AUX
fsr-3174	49	13	able	able	ADJ
fsr-3174	49	14	to	to	PART
fsr-3174	49	15	save	save	VERB
fsr-3174	49	16	.	.	PUNCT
fsr-3174	50	1	hence	hence	ADV
fsr-3174	50	2	,	,	PUNCT
fsr-3174	50	3	it	it	PRON
fsr-3174	50	4	is	be	AUX
fsr-3174	50	5	not	not	PART
fsr-3174	50	6	surprising	surprising	ADJ
fsr-3174	50	7	that	that	SCONJ
fsr-3174	50	8	households	household	NOUN
fsr-3174	50	9	with	with	ADP
fsr-3174	50	10	higher	high	ADJ
fsr-3174	50	11	monthly	monthly	ADJ
fsr-3174	50	12	income	income	NOUN
fsr-3174	50	13	are	be	AUX
fsr-3174	50	14	more	more	ADV
fsr-3174	50	15	likely	likely	ADJ
fsr-3174	50	16	to	to	PART
fsr-3174	50	17	participate	participate	VERB
fsr-3174	50	18	in	in	ADP
fsr-3174	50	19	the	the	DET
fsr-3174	50	20	stock	stock	NOUN
fsr-3174	50	21	market	market	NOUN
fsr-3174	50	22	(	(	PUNCT
fsr-3174	50	23	haliassos	haliassos	PROPN
fsr-3174	50	24	&	&	CCONJ
fsr-3174	50	25	bertaut	bertaut	PROPN
fsr-3174	50	26	,	,	PUNCT
fsr-3174	50	27	1995	1995	NUM
fsr-3174	50	28	;	;	PUNCT
fsr-3174	50	29	kaustia	kaustia	PROPN
fsr-3174	50	30	et	et	PROPN
fsr-3174	50	31	al	al	PROPN
fsr-3174	50	32	.	.	PROPN
fsr-3174	50	33	,	,	PUNCT
fsr-3174	50	34	2023	2023	NUM
fsr-3174	50	35	;	;	PUNCT
fsr-3174	50	36	laurinaityte	laurinaityte	PROPN
fsr-3174	50	37	,	,	PUNCT
fsr-3174	50	38	2018	2018	NUM
fsr-3174	50	39	;	;	PUNCT
fsr-3174	50	40	mankiw	mankiw	PROPN
fsr-3174	50	41	&	&	CCONJ
fsr-3174	50	42	zeldes	zelde	NOUN
fsr-3174	50	43	,	,	PUNCT
fsr-3174	50	44	1991	1991	NUM
fsr-3174	50	45	)	)	PUNCT
fsr-3174	50	46	.	.	PUNCT
fsr-3174	51	1	however	however	ADV
fsr-3174	51	2	,	,	PUNCT
fsr-3174	51	3	it	it	PRON
fsr-3174	51	4	is	be	AUX
fsr-3174	51	5	important	important	ADJ
fsr-3174	51	6	to	to	PART
fsr-3174	51	7	notice	notice	VERB
fsr-3174	51	8	that	that	SCONJ
fsr-3174	51	9	these	these	DET
fsr-3174	51	10	factors	factor	NOUN
fsr-3174	51	11	are	be	AUX
fsr-3174	51	12	not	not	PART
fsr-3174	51	13	independent	independent	ADJ
fsr-3174	51	14	from	from	ADP
fsr-3174	51	15	each	each	DET
fsr-3174	51	16	other	other	ADJ
fsr-3174	51	17	(	(	PUNCT
fsr-3174	51	18	e.g.	e.g.	ADV
fsr-3174	51	19	,	,	PUNCT
fsr-3174	51	20	households	household	NOUN
fsr-3174	51	21	’	'	PUNCT
fsr-3174	51	22	willingness	willingness	NOUN
fsr-3174	51	23	to	to	PART
fsr-3174	51	24	take	take	VERB
fsr-3174	51	25	risk	risk	NOUN
fsr-3174	51	26	increases	increase	NOUN
fsr-3174	51	27	with	with	ADP
fsr-3174	51	28	wealth	wealth	NOUN
fsr-3174	51	29	)	)	PUNCT
fsr-3174	51	30	(	(	PUNCT
fsr-3174	51	31	calvet	calvet	NOUN
fsr-3174	51	32	&	&	CCONJ
fsr-3174	51	33	sodini	sodini	PROPN
fsr-3174	51	34	,	,	PUNCT
fsr-3174	51	35	2014	2014	NUM
fsr-3174	51	36	;	;	PUNCT
fsr-3174	51	37	oehler	oehler	NOUN
fsr-3174	51	38	&	&	CCONJ
fsr-3174	51	39	horn	horn	PROPN
fsr-3174	51	40	,	,	PUNCT
fsr-3174	51	41	2021	2021	NUM
fsr-3174	51	42	)	)	PUNCT
fsr-3174	51	43	.	.	PUNCT
fsr-3174	52	1	moreover	moreover	ADV
fsr-3174	52	2	,	,	PUNCT
fsr-3174	52	3	further	further	ADJ
fsr-3174	52	4	factors	factor	NOUN
fsr-3174	52	5	have	have	VERB
fsr-3174	52	6	an	an	DET
fsr-3174	52	7	influence	influence	NOUN
fsr-3174	52	8	on	on	ADP
fsr-3174	52	9	households	household	NOUN
fsr-3174	52	10	’	'	PUNCT
fsr-3174	52	11	risk	risk	NOUN
fsr-3174	52	12	attitude	attitude	NOUN
fsr-3174	52	13	and	and	CCONJ
fsr-3174	52	14	financial	financial	ADJ
fsr-3174	52	15	literacy	literacy	NOUN
fsr-3174	52	16	(	(	PUNCT
fsr-3174	52	17	e.g.	e.g.	ADV
fsr-3174	52	18	,	,	PUNCT
fsr-3174	52	19	higher	high	ADJ
fsr-3174	52	20	educated	educate	VERB
fsr-3174	52	21	individuals	individual	NOUN
fsr-3174	52	22	are	be	AUX
fsr-3174	52	23	more	more	ADV
fsr-3174	52	24	likely	likely	ADJ
fsr-3174	52	25	to	to	PART
fsr-3174	52	26	be	be	AUX
fsr-3174	52	27	financially	financially	ADV
fsr-3174	52	28	literate	literate	ADJ
fsr-3174	52	29	)	)	PUNCT
fsr-3174	52	30	(	(	PUNCT
fsr-3174	52	31	bucher	bucher	NOUN
fsr-3174	52	32	-	-	PUNCT
fsr-3174	52	33	koenen	koenen	NOUN
fsr-3174	52	34	et	et	PROPN
fsr-3174	52	35	al	al	PROPN
fsr-3174	52	36	.	.	PROPN
fsr-3174	52	37	,	,	PUNCT
fsr-3174	52	38	2021	2021	NUM
fsr-3174	52	39	;	;	PUNCT
fsr-3174	52	40	bucherkoenen	bucherkoenen	NOUN
fsr-3174	52	41	&	&	CCONJ
fsr-3174	52	42	knebel	knebel	NOUN
fsr-3174	52	43	,	,	PUNCT
fsr-3174	52	44	2021	2021	NUM
fsr-3174	52	45	;	;	PUNCT
fsr-3174	52	46	hammer	hammer	NOUN
fsr-3174	52	47	et	et	PROPN
fsr-3174	52	48	al	al	PROPN
fsr-3174	52	49	.	.	PROPN
fsr-3174	52	50	,	,	PUNCT
fsr-3174	52	51	2022	2022	NUM
fsr-3174	52	52	;	;	PUNCT
fsr-3174	52	53	kaustia	kaustia	PROPN
fsr-3174	52	54	et	et	PROPN
fsr-3174	52	55	al	al	PROPN
fsr-3174	52	56	.	.	PROPN
fsr-3174	52	57	,	,	PUNCT
fsr-3174	52	58	2023	2023	NUM
fsr-3174	52	59	)	)	PUNCT
fsr-3174	52	60	.	.	PUNCT
fsr-3174	53	1	regression	regression	NOUN
fsr-3174	53	2	analyses	analysis	NOUN
fsr-3174	53	3	can	can	AUX
fsr-3174	53	4	hardly	hardly	ADV
fsr-3174	53	5	cover	cover	VERB
fsr-3174	53	6	these	these	DET
fsr-3174	53	7	complex	complex	ADJ
fsr-3174	53	8	relations	relation	NOUN
fsr-3174	53	9	.	.	PUNCT
fsr-3174	54	1	hence	hence	ADV
fsr-3174	54	2	,	,	PUNCT
fsr-3174	54	3	we	we	PRON
fsr-3174	54	4	employ	employ	VERB
fsr-3174	54	5	sea	sea	NOUN
fsr-3174	54	6	.	.	PUNCT
fsr-3174	55	1	this	this	PRON
fsr-3174	55	2	allows	allow	VERB
fsr-3174	55	3	us	we	PRON
fsr-3174	55	4	to	to	PART
fsr-3174	55	5	include	include	VERB
fsr-3174	55	6	a	a	DET
fsr-3174	55	7	battery	battery	NOUN
fsr-3174	55	8	of	of	ADP
fsr-3174	55	9	further	further	ADJ
fsr-3174	55	10	factors	factor	NOUN
fsr-3174	55	11	that	that	PRON
fsr-3174	55	12	have	have	VERB
fsr-3174	55	13	an	an	DET
fsr-3174	55	14	influence	influence	NOUN
fsr-3174	55	15	on	on	ADP
fsr-3174	55	16	cmp	cmp	PROPN
fsr-3174	55	17	.	.	PUNCT
fsr-3174	56	1	it	it	PRON
fsr-3174	56	2	is	be	AUX
fsr-3174	56	3	evident	evident	ADJ
fsr-3174	56	4	that	that	SCONJ
fsr-3174	56	5	the	the	DET
fsr-3174	56	6	age	age	NOUN
fsr-3174	56	7	and	and	CCONJ
fsr-3174	56	8	gender	gender	NOUN
fsr-3174	56	9	of	of	ADP
fsr-3174	56	10	a	a	DET
fsr-3174	56	11	decision	decision	NOUN
fsr-3174	56	12	maker	maker	NOUN
fsr-3174	56	13	is	be	AUX
fsr-3174	56	14	related	relate	VERB
fsr-3174	56	15	to	to	ADP
fsr-3174	56	16	her	her	PRON
fsr-3174	56	17	risk	risk	NOUN
fsr-3174	56	18	attitude	attitude	NOUN
fsr-3174	56	19	and	and	CCONJ
fsr-3174	56	20	financial	financial	ADJ
fsr-3174	56	21	literacy	literacy	NOUN
fsr-3174	56	22	.	.	PUNCT
fsr-3174	57	1	according	accord	VERB
fsr-3174	57	2	to	to	ADP
fsr-3174	57	3	calvet	calvet	NOUN
fsr-3174	57	4	et	et	PROPN
fsr-3174	57	5	al	al	PROPN
fsr-3174	57	6	.	.	PROPN
fsr-3174	57	7	(	(	PUNCT
fsr-3174	57	8	2009	2009	NUM
fsr-3174	57	9	)	)	PUNCT
fsr-3174	57	10	age	age	NOUN
fsr-3174	57	11	is	be	AUX
fsr-3174	57	12	negatively	negatively	ADV
fsr-3174	57	13	related	relate	VERB
fsr-3174	57	14	to	to	ADP
fsr-3174	57	15	the	the	DET
fsr-3174	57	16	sophistication	sophistication	NOUN
fsr-3174	57	17	of	of	ADP
fsr-3174	57	18	a	a	DET
fsr-3174	57	19	household	household	NOUN
fsr-3174	57	20	’s	’s	PART
fsr-3174	57	21	financial	financial	ADJ
fsr-3174	57	22	decisions	decision	NOUN
fsr-3174	57	23	.	.	PUNCT
fsr-3174	58	1	korniotis	korniotis	NOUN
fsr-3174	58	2	and	and	CCONJ
fsr-3174	58	3	kumar	kumar	PROPN
fsr-3174	58	4	(	(	PUNCT
fsr-3174	58	5	2011	2011	NUM
fsr-3174	58	6	)	)	PUNCT
fsr-3174	58	7	explain	explain	VERB
fsr-3174	58	8	this	this	DET
fsr-3174	58	9	effect	effect	NOUN
fsr-3174	58	10	with	with	ADP
fsr-3174	58	11	adverse	adverse	ADJ
fsr-3174	58	12	effects	effect	NOUN
fsr-3174	58	13	of	of	ADP
fsr-3174	58	14	cognitive	cognitive	ADJ
fsr-3174	58	15	aging	aging	NOUN
fsr-3174	58	16	.	.	PUNCT
fsr-3174	59	1	hence	hence	ADV
fsr-3174	59	2	,	,	PUNCT
fsr-3174	59	3	we	we	PRON
fsr-3174	59	4	predict	predict	VERB
fsr-3174	59	5	that	that	SCONJ
fsr-3174	59	6	financial	financial	ADJ
fsr-3174	59	7	literacy	literacy	NOUN
fsr-3174	59	8	will	will	AUX
fsr-3174	59	9	be	be	AUX
fsr-3174	59	10	higher	high	ADJ
fsr-3174	59	11	at	at	ADP
fsr-3174	59	12	a	a	DET
fsr-3174	59	13	lower	low	ADJ
fsr-3174	59	14	age	age	NOUN
fsr-3174	59	15	.	.	PUNCT
fsr-3174	60	1	moreover	moreover	ADV
fsr-3174	60	2	,	,	PUNCT
fsr-3174	60	3	older	old	ADJ
fsr-3174	60	4	decision	decision	NOUN
fsr-3174	60	5	makers	maker	NOUN
fsr-3174	60	6	show	show	VERB
fsr-3174	60	7	a	a	DET
fsr-3174	60	8	higher	high	ADJ
fsr-3174	60	9	degree	degree	NOUN
fsr-3174	60	10	of	of	ADP
fsr-3174	60	11	risk	risk	NOUN
fsr-3174	60	12	aversion	aversion	NOUN
fsr-3174	60	13	(	(	PUNCT
fsr-3174	60	14	dohmen	dohman	NOUN
fsr-3174	60	15	et	et	PROPN
fsr-3174	60	16	al	al	PROPN
fsr-3174	60	17	.	.	PROPN
fsr-3174	60	18	,	,	PUNCT
fsr-3174	60	19	2011	2011	NUM
fsr-3174	60	20	,	,	PUNCT
fsr-3174	60	21	2017	2017	NUM
fsr-3174	60	22	;	;	PUNCT
fsr-3174	60	23	oehler	oehler	NOUN
fsr-3174	60	24	et	et	PROPN
fsr-3174	60	25	al	al	PROPN
fsr-3174	60	26	.	.	PROPN
fsr-3174	60	27	,	,	PUNCT
fsr-3174	60	28	2018a	2018a	NUM
fsr-3174	60	29	,	,	PUNCT
fsr-3174	60	30	2022a	2022a	NUM
fsr-3174	60	31	)	)	PUNCT
fsr-3174	60	32	.	.	PUNCT
fsr-3174	61	1	nevertheless	nevertheless	ADV
fsr-3174	61	2	,	,	PUNCT
fsr-3174	61	3	stock	stock	NOUN
fsr-3174	61	4	market	market	NOUN
fsr-3174	61	5	participation	participation	NOUN
fsr-3174	61	6	increases	increase	VERB
fsr-3174	61	7	with	with	ADP
fsr-3174	61	8	age	age	NOUN
fsr-3174	61	9	(	(	PUNCT
fsr-3174	61	10	athreya	athreya	NOUN
fsr-3174	61	11	et	et	PROPN
fsr-3174	61	12	al	al	PROPN
fsr-3174	61	13	.	.	PROPN
fsr-3174	61	14	,	,	PUNCT
fsr-3174	61	15	2023	2023	NUM
fsr-3174	61	16	;	;	PUNCT
fsr-3174	61	17	oehler	oehler	NOUN
fsr-3174	61	18	et	et	PROPN
fsr-3174	61	19	al	al	PROPN
fsr-3174	61	20	.	.	PROPN
fsr-3174	61	21	,	,	PUNCT
fsr-3174	61	22	2018a	2018a	NUM
fsr-3174	61	23	)	)	PUNCT
fsr-3174	61	24	.	.	PUNCT
fsr-3174	62	1	in	in	ADP
fsr-3174	62	2	addition	addition	NOUN
fsr-3174	62	3	,	,	PUNCT
fsr-3174	62	4	previous	previous	ADJ
fsr-3174	62	5	studies	study	NOUN
fsr-3174	62	6	find	find	VERB
fsr-3174	62	7	significant	significant	ADJ
fsr-3174	62	8	gender	gender	NOUN
fsr-3174	62	9	differences	difference	NOUN
fsr-3174	62	10	.	.	PUNCT
fsr-3174	63	1	the	the	DET
fsr-3174	63	2	financial	financial	ADJ
fsr-3174	63	3	literacy	literacy	NOUN
fsr-3174	63	4	of	of	ADP
fsr-3174	63	5	men	man	NOUN
fsr-3174	63	6	is	be	AUX
fsr-3174	63	7	higher	high	ADJ
fsr-3174	63	8	than	than	ADP
fsr-3174	63	9	that	that	PRON
fsr-3174	63	10	of	of	ADP
fsr-3174	63	11	women	woman	NOUN
fsr-3174	63	12	(	(	PUNCT
fsr-3174	63	13	bannier	bannier	NOUN
fsr-3174	63	14	&	&	CCONJ
fsr-3174	63	15	schwarz	schwarz	PROPN
fsr-3174	63	16	,	,	PUNCT
fsr-3174	63	17	2018	2018	NUM
fsr-3174	63	18	;	;	PUNCT
fsr-3174	63	19	fey	fey	PROPN
fsr-3174	63	20	et	et	PROPN
fsr-3174	63	21	al	al	PROPN
fsr-3174	63	22	.	.	PROPN
fsr-3174	63	23	,	,	PUNCT
fsr-3174	63	24	2020	2020	NUM
fsr-3174	63	25	;	;	PUNCT
fsr-3174	63	26	guiso	guiso	PROPN
fsr-3174	63	27	&	&	CCONJ
fsr-3174	63	28	zaccaria	zaccaria	PROPN
fsr-3174	63	29	,	,	PUNCT
fsr-3174	63	30	2023	2023	NUM
fsr-3174	63	31	;	;	PUNCT
fsr-3174	63	32	hanna	hanna	PROPN
fsr-3174	63	33	et	et	PROPN
fsr-3174	63	34	al	al	PROPN
fsr-3174	63	35	.	.	PROPN
fsr-3174	63	36	,	,	PUNCT
fsr-3174	63	37	2021	2021	NUM
fsr-3174	63	38	)	)	PUNCT
fsr-3174	63	39	.	.	PUNCT
fsr-3174	64	1	men	man	NOUN
fsr-3174	64	2	show	show	VERB
fsr-3174	64	3	a	a	DET
fsr-3174	64	4	lower	low	ADJ
fsr-3174	64	5	degree	degree	NOUN
fsr-3174	64	6	of	of	ADP
fsr-3174	64	7	risk	risk	NOUN
fsr-3174	64	8	aversion	aversion	NOUN
fsr-3174	64	9	and	and	CCONJ
fsr-3174	64	10	invest	invest	VERB
fsr-3174	64	11	more	more	ADJ
fsr-3174	64	12	in	in	ADP
fsr-3174	64	13	risky	risky	ADJ
fsr-3174	64	14	assets	asset	NOUN
fsr-3174	64	15	(	(	PUNCT
fsr-3174	64	16	croson	croson	PROPN
fsr-3174	64	17	&	&	CCONJ
fsr-3174	64	18	gneezy	gneezy	PROPN
fsr-3174	64	19	,	,	PUNCT
fsr-3174	64	20	2009	2009	NUM
fsr-3174	64	21	;	;	PUNCT
fsr-3174	64	22	eckel	eckel	NOUN
fsr-3174	64	23	&	&	CCONJ
fsr-3174	64	24	grossman	grossman	PROPN
fsr-3174	64	25	,	,	PUNCT
fsr-3174	64	26	2008	2008	NUM
fsr-3174	64	27	;	;	PUNCT
fsr-3174	64	28	halko	halko	ADV
fsr-3174	64	29	et	et	PROPN
fsr-3174	64	30	al	al	PROPN
fsr-3174	64	31	.	.	PROPN
fsr-3174	64	32	,	,	PUNCT
fsr-3174	64	33	2012	2012	NUM
fsr-3174	64	34	)	)	PUNCT
fsr-3174	64	35	.	.	PUNCT
fsr-3174	65	1	the	the	DET
fsr-3174	65	2	awareness	awareness	NOUN
fsr-3174	65	3	and	and	CCONJ
fsr-3174	65	4	use	use	NOUN
fsr-3174	65	5	of	of	ADP
fsr-3174	65	6	financial	financial	ADJ
fsr-3174	65	7	advice	advice	NOUN
fsr-3174	65	8	and	and	CCONJ
fsr-3174	65	9	financial	financial	ADJ
fsr-3174	65	10	planning	planning	NOUN
fsr-3174	65	11	tools	tool	NOUN
fsr-3174	65	12	enhance	enhance	VERB
fsr-3174	65	13	the	the	DET
fsr-3174	65	14	probability	probability	NOUN
fsr-3174	65	15	to	to	PART
fsr-3174	65	16	invest	invest	VERB
fsr-3174	65	17	in	in	ADP
fsr-3174	65	18	capital	capital	NOUN
fsr-3174	65	19	markets	market	NOUN
fsr-3174	65	20	(	(	PUNCT
fsr-3174	65	21	chien	chien	PROPN
fsr-3174	65	22	&	&	CCONJ
fsr-3174	65	23	morris	morris	PROPN
fsr-3174	65	24	,	,	PUNCT
fsr-3174	65	25	2017	2017	NUM
fsr-3174	65	26	;	;	PUNCT
fsr-3174	65	27	fey	fey	PROPN
fsr-3174	65	28	et	et	PROPN
fsr-3174	65	29	al	al	PROPN
fsr-3174	65	30	.	.	PROPN
fsr-3174	65	31	,	,	PUNCT
fsr-3174	65	32	2020	2020	NUM
fsr-3174	65	33	)	)	PUNCT
fsr-3174	65	34	.	.	PUNCT
fsr-3174	66	1	von	von	PROPN
fsr-3174	66	2	gaudecker	gaudecker	PROPN
fsr-3174	66	3	(	(	PUNCT
fsr-3174	66	4	2015	2015	NUM
fsr-3174	66	5	)	)	PUNCT
fsr-3174	66	6	reports	report	VERB
fsr-3174	66	7	that	that	SCONJ
fsr-3174	66	8	nearly	nearly	ADV
fsr-3174	66	9	all	all	DET
fsr-3174	66	10	households	household	NOUN
fsr-3174	66	11	that	that	PRON
fsr-3174	66	12	rely	rely	VERB
fsr-3174	66	13	on	on	ADP
fsr-3174	66	14	professional	professional	ADJ
fsr-3174	66	15	contacts	contact	NOUN
fsr-3174	66	16	for	for	ADP
fsr-3174	66	17	advice	advice	NOUN
fsr-3174	66	18	achieve	achieve	VERB
fsr-3174	66	19	reasonable	reasonable	ADJ
fsr-3174	66	20	investment	investment	NOUN
fsr-3174	66	21	outcomes	outcome	NOUN
fsr-3174	66	22	,	,	PUNCT
fsr-3174	66	23	particularly	particularly	ADV
fsr-3174	66	24	because	because	SCONJ
fsr-3174	66	25	financial	financial	ADJ
fsr-3174	66	26	advice	advice	NOUN
fsr-3174	66	27	leads	lead	VERB
fsr-3174	66	28	to	to	ADP
fsr-3174	66	29	better	well	ADJ
fsr-3174	66	30	diversified	diversify	VERB
fsr-3174	66	31	portfolios	portfolio	NOUN
fsr-3174	66	32	.	.	PUNCT
fsr-3174	67	1	financial	financial	ADJ
fsr-3174	67	2	advice	advice	NOUN
fsr-3174	67	3	,	,	PUNCT
fsr-3174	67	4	however	however	ADV
fsr-3174	67	5	,	,	PUNCT
fsr-3174	67	6	has	have	VERB
fsr-3174	67	7	no	no	DET
fsr-3174	67	8	influence	influence	NOUN
fsr-3174	67	9	on	on	ADP
fsr-3174	67	10	the	the	DET
fsr-3174	67	11	relation	relation	NOUN
fsr-3174	67	12	between	between	ADP
fsr-3174	67	13	financial	financial	ADJ
fsr-3174	67	14	literacy	literacy	NOUN
fsr-3174	67	15	and	and	CCONJ
fsr-3174	67	16	stock	stock	NOUN
fsr-3174	67	17	market	market	NOUN
fsr-3174	67	18	participation	participation	NOUN
fsr-3174	67	19	(	(	PUNCT
fsr-3174	67	20	hermansson	hermansson	NOUN
fsr-3174	67	21	et	et	PROPN
fsr-3174	67	22	al	al	PROPN
fsr-3174	67	23	.	.	PROPN
fsr-3174	67	24	,	,	PUNCT
fsr-3174	67	25	2022	2022	NUM
fsr-3174	67	26	)	)	PUNCT
fsr-3174	67	27	.	.	PUNCT
fsr-3174	68	1	hence	hence	ADV
fsr-3174	68	2	,	,	PUNCT
fsr-3174	68	3	financial	financial	ADJ
fsr-3174	68	4	advice	advice	NOUN
fsr-3174	68	5	is	be	AUX
fsr-3174	68	6	not	not	PART
fsr-3174	68	7	a	a	DET
fsr-3174	68	8	substitute	substitute	NOUN
fsr-3174	68	9	for	for	ADP
fsr-3174	68	10	financial	financial	ADJ
fsr-3174	68	11	literacy	literacy	NOUN
fsr-3174	68	12	.	.	PUNCT
fsr-3174	69	1	of	of	ADP
fsr-3174	69	2	course	course	NOUN
fsr-3174	69	3	,	,	PUNCT
fsr-3174	69	4	the	the	DET
fsr-3174	69	5	individual	individual	ADJ
fsr-3174	69	6	situation	situation	NOUN
fsr-3174	69	7	of	of	ADP
fsr-3174	69	8	a	a	DET
fsr-3174	69	9	household	household	NOUN
fsr-3174	69	10	,	,	PUNCT
fsr-3174	69	11	which	which	PRON
fsr-3174	69	12	is	be	AUX
fsr-3174	69	13	usually	usually	ADV
fsr-3174	69	14	linked	link	VERB
fsr-3174	69	15	to	to	ADP
fsr-3174	69	16	the	the	DET
fsr-3174	69	17	status	status	NOUN
fsr-3174	69	18	in	in	ADP
fsr-3174	69	19	the	the	DET
fsr-3174	69	20	lifecycle	lifecycle	NOUN
fsr-3174	69	21	,	,	PUNCT
fsr-3174	69	22	has	have	VERB
fsr-3174	69	23	a	a	DET
fsr-3174	69	24	major	major	ADJ
fsr-3174	69	25	impact	impact	NOUN
fsr-3174	69	26	on	on	ADP
fsr-3174	69	27	investment	investment	NOUN
fsr-3174	69	28	decisions	decision	NOUN
fsr-3174	69	29	.	.	PUNCT
fsr-3174	70	1	oehler	oehler	NOUN
fsr-3174	70	2	and	and	CCONJ
fsr-3174	70	3	horn	horn	NOUN
fsr-3174	70	4	(	(	PUNCT
fsr-3174	70	5	2021	2021	NUM
fsr-3174	70	6	)	)	PUNCT
fsr-3174	70	7	build	build	VERB
fsr-3174	70	8	on	on	ADP
fsr-3174	70	9	the	the	DET
fsr-3174	70	10	behavioral	behavioral	ADJ
fsr-3174	70	11	portfolio	portfolio	NOUN
fsr-3174	70	12	theory	theory	NOUN
fsr-3174	70	13	of	of	ADP
fsr-3174	70	14	shefrin	shefrin	NOUN
fsr-3174	70	15	and	and	CCONJ
fsr-3174	70	16	statman	statman	NOUN
fsr-3174	70	17	(	(	PUNCT
fsr-3174	70	18	2000	2000	NUM
fsr-3174	70	19	)	)	PUNCT
fsr-3174	70	20	and	and	CCONJ
fsr-3174	70	21	show	show	VERB
fsr-3174	70	22	that	that	SCONJ
fsr-3174	70	23	households	household	NOUN
fsr-3174	70	24	assign	assign	VERB
fsr-3174	70	25	their	their	PRON
fsr-3174	70	26	assets	asset	NOUN
fsr-3174	70	27	into	into	ADP
fsr-3174	70	28	different	different	ADJ
fsr-3174	70	29	mental	mental	ADJ
fsr-3174	70	30	accounts	account	NOUN
fsr-3174	70	31	.	.	PUNCT
fsr-3174	71	1	the	the	DET
fsr-3174	71	2	mental	mental	ADJ
fsr-3174	71	3	accounts	account	NOUN
fsr-3174	71	4	build	build	VERB
fsr-3174	71	5	up	up	ADP
fsr-3174	71	6	on	on	ADP
fsr-3174	71	7	each	each	DET
fsr-3174	71	8	other	other	ADJ
fsr-3174	71	9	in	in	ADP
fsr-3174	71	10	a	a	DET
fsr-3174	71	11	hierarchical	hierarchical	ADJ
fsr-3174	71	12	structure	structure	NOUN
fsr-3174	71	13	(	(	PUNCT
fsr-3174	71	14	i.e.	i.e.	X
fsr-3174	71	15	,	,	PUNCT
fsr-3174	71	16	as	as	ADP
fsr-3174	71	17	layers	layer	NOUN
fsr-3174	71	18	of	of	ADP
fsr-3174	71	19	a	a	DET
fsr-3174	71	20	pyramid	pyramid	NOUN
fsr-3174	71	21	)	)	PUNCT
fsr-3174	71	22	.	.	PUNCT
fsr-3174	72	1	direct	direct	ADJ
fsr-3174	72	2	investments	investment	NOUN
fsr-3174	72	3	in	in	ADP
fsr-3174	72	4	financial	financial	ADJ
fsr-3174	72	5	markets	market	NOUN
fsr-3174	72	6	such	such	ADJ
fsr-3174	72	7	as	as	ADP
fsr-3174	72	8	stocks	stock	NOUN
fsr-3174	72	9	or	or	CCONJ
fsr-3174	72	10	bonds	bond	NOUN
fsr-3174	72	11	are	be	AUX
fsr-3174	72	12	in	in	ADP
fsr-3174	72	13	the	the	DET
fsr-3174	72	14	highest	high	ADJ
fsr-3174	72	15	layer	layer	NOUN
fsr-3174	72	16	,	,	PUNCT
fsr-3174	72	17	whereas	whereas	SCONJ
fsr-3174	72	18	residential	residential	ADJ
fsr-3174	72	19	property	property	NOUN
fsr-3174	72	20	,	,	PUNCT
fsr-3174	72	21	pension	pension	NOUN
fsr-3174	72	22	plans	plan	NOUN
fsr-3174	72	23	,	,	PUNCT
fsr-3174	72	24	and	and	CCONJ
fsr-3174	72	25	whole	whole	ADJ
fsr-3174	72	26	life	life	NOUN
fsr-3174	72	27	insurance	insurance	NOUN
fsr-3174	72	28	contracts	contract	NOUN
fsr-3174	72	29	are	be	AUX
fsr-3174	72	30	in	in	ADP
fsr-3174	72	31	the	the	DET
fsr-3174	72	32	layer	layer	NOUN
fsr-3174	72	33	below	below	ADV
fsr-3174	72	34	.	.	PUNCT
fsr-3174	73	1	this	this	PRON
fsr-3174	73	2	means	mean	VERB
fsr-3174	73	3	that	that	SCONJ
fsr-3174	73	4	most	most	ADJ
fsr-3174	73	5	households	household	NOUN
fsr-3174	73	6	will	will	AUX
fsr-3174	73	7	only	only	ADV
fsr-3174	73	8	invest	invest	VERB
fsr-3174	73	9	in	in	ADP
fsr-3174	73	10	stocks	stock	NOUN
fsr-3174	73	11	when	when	SCONJ
fsr-3174	73	12	they	they	PRON
fsr-3174	73	13	have	have	AUX
fsr-3174	73	14	financed	finance	VERB
fsr-3174	73	15	their	their	PRON
fsr-3174	73	16	residential	residential	ADJ
fsr-3174	73	17	property	property	NOUN
fsr-3174	73	18	and/or	and/or	CCONJ
fsr-3174	73	19	their	their	PRON
fsr-3174	73	20	pension	pension	NOUN
fsr-3174	73	21	plan	plan	NOUN
fsr-3174	73	22	.	.	PUNCT
fsr-3174	74	1	studies	study	NOUN
fsr-3174	74	2	with	with	ADP
fsr-3174	74	3	a	a	DET
fsr-3174	74	4	focus	focus	NOUN
fsr-3174	74	5	on	on	ADP
fsr-3174	74	6	housing	housing	NOUN
fsr-3174	74	7	decisions	decision	NOUN
fsr-3174	74	8	support	support	VERB
fsr-3174	74	9	this	this	DET
fsr-3174	74	10	pyramid	pyramid	NOUN
fsr-3174	74	11	structure	structure	NOUN
fsr-3174	74	12	and	and	CCONJ
fsr-3174	74	13	real	real	ADJ
fsr-3174	74	14	estate	estate	NOUN
fsr-3174	74	15	is	be	AUX
fsr-3174	74	16	by	by	ADP
fsr-3174	74	17	far	far	ADV
fsr-3174	74	18	the	the	DET
fsr-3174	74	19	most	most	ADV
fsr-3174	74	20	popular	popular	ADJ
fsr-3174	74	21	investment	investment	NOUN
fsr-3174	74	22	vehicle	vehicle	NOUN
fsr-3174	74	23	for	for	ADP
fsr-3174	74	24	households	household	NOUN
fsr-3174	74	25	in	in	ADP
fsr-3174	74	26	europe	europe	PROPN
fsr-3174	74	27	(	(	PUNCT
fsr-3174	74	28	efama	efama	PROPN
fsr-3174	74	29	,	,	PUNCT
fsr-3174	74	30	2020	2020	NUM
fsr-3174	74	31	,	,	PUNCT
fsr-3174	74	32	p.	p.	NOUN
fsr-3174	74	33	29	29	NUM
fsr-3174	74	34	;	;	PUNCT
fsr-3174	74	35	kaustia	kaustia	PROPN
fsr-3174	74	36	et	et	PROPN
fsr-3174	74	37	al	al	PROPN
fsr-3174	74	38	.	.	PROPN
fsr-3174	74	39	,	,	PUNCT
fsr-3174	74	40	2023	2023	NUM
fsr-3174	74	41	)	)	PUNCT
fsr-3174	74	42	.	.	PUNCT
fsr-3174	75	1	cocco	cocco	PROPN
fsr-3174	75	2	et	et	PROPN
fsr-3174	75	3	al	al	PROPN
fsr-3174	75	4	.	.	PROPN
fsr-3174	75	5	(	(	PUNCT
fsr-3174	75	6	2005	2005	NUM
fsr-3174	75	7	)	)	PUNCT
fsr-3174	75	8	and	and	CCONJ
fsr-3174	75	9	gomes	gome	NOUN
fsr-3174	75	10	et	et	PROPN
fsr-3174	75	11	al	al	PROPN
fsr-3174	75	12	.	.	PROPN
fsr-3174	76	1	(	(	PUNCT
fsr-3174	76	2	2021	2021	NUM
fsr-3174	76	3	)	)	PUNCT
fsr-3174	76	4	argue	argue	VERB
fsr-3174	76	5	that	that	SCONJ
fsr-3174	76	6	house	house	NOUN
fsr-3174	76	7	ownership	ownership	NOUN
fsr-3174	76	8	discourages	discourage	VERB
fsr-3174	76	9	saving	save	VERB
fsr-3174	76	10	in	in	ADP
fsr-3174	76	11	financial	financial	ADJ
fsr-3174	76	12	assets	asset	NOUN
fsr-3174	76	13	as	as	SCONJ
fsr-3174	76	14	households	household	NOUN
fsr-3174	76	15	usually	usually	ADV
fsr-3174	76	16	want	want	VERB
fsr-3174	76	17	to	to	PART
fsr-3174	76	18	first	first	ADV
fsr-3174	76	19	repay	repay	VERB
fsr-3174	76	20	their	their	PRON
fsr-3174	76	21	mortgage	mortgage	NOUN
fsr-3174	76	22	loan	loan	NOUN
fsr-3174	76	23	(	(	PUNCT
fsr-3174	76	24	see	see	PROPN
fsr-3174	76	25	guiso	guiso	PROPN
fsr-3174	76	26	&	&	CCONJ
fsr-3174	76	27	zaccaria	zaccaria	PROPN
fsr-3174	76	28	,	,	PUNCT
fsr-3174	76	29	2023	2023	NUM
fsr-3174	76	30	;	;	PUNCT
fsr-3174	76	31	calvet	calvet	NOUN
fsr-3174	76	32	&	&	CCONJ
fsr-3174	76	33	sodini	sodini	PROPN
fsr-3174	76	34	,	,	PUNCT
fsr-3174	76	35	2014	2014	NUM
fsr-3174	76	36	)	)	PUNCT
fsr-3174	76	37	.	.	PUNCT
fsr-3174	77	1	however	however	ADV
fsr-3174	77	2	,	,	PUNCT
fsr-3174	77	3	the	the	DET
fsr-3174	77	4	influence	influence	NOUN
fsr-3174	77	5	of	of	ADP
fsr-3174	77	6	voluntary	voluntary	ADJ
fsr-3174	77	7	pension	pension	NOUN
fsr-3174	77	8	plans	plan	NOUN
fsr-3174	77	9	and	and	CCONJ
fsr-3174	77	10	whole	whole	ADJ
fsr-3174	77	11	life	life	NOUN
fsr-3174	77	12	insurance	insurance	NOUN
fsr-3174	77	13	contracts	contract	NOUN
fsr-3174	77	14	is	be	AUX
fsr-3174	77	15	understudied	understudied	ADJ
fsr-3174	77	16	.	.	PUNCT
fsr-3174	78	1	our	our	PRON
fsr-3174	78	2	study	study	NOUN
fsr-3174	78	3	caters	cater	NOUN
fsr-3174	78	4	to	to	ADP
fsr-3174	78	5	this	this	DET
fsr-3174	78	6	gap	gap	NOUN
fsr-3174	78	7	in	in	ADP
fsr-3174	78	8	the	the	DET
fsr-3174	78	9	literature	literature	NOUN
fsr-3174	78	10	.	.	PUNCT
fsr-3174	79	1	we	we	PRON
fsr-3174	79	2	assess	assess	VERB
fsr-3174	79	3	investments	investment	NOUN
fsr-3174	79	4	in	in	ADP
fsr-3174	79	5	voluntary	voluntary	ADJ
fsr-3174	79	6	pension	pension	NOUN
fsr-3174	79	7	plans	plan	NOUN
fsr-3174	79	8	and	and	CCONJ
fsr-3174	79	9	whole	whole	ADJ
fsr-3174	79	10	life	life	NOUN
fsr-3174	79	11	insurance	insurance	NOUN
fsr-3174	79	12	contracts	contract	NOUN
fsr-3174	79	13	as	as	ADP
fsr-3174	79	14	a	a	DET
fsr-3174	79	15	quasi	quasi	ADJ
fsr-3174	79	16	-	-	ADJ
fsr-3174	79	17	safe	safe	ADJ
fsr-3174	79	18	addition	addition	NOUN
fsr-3174	79	19	to	to	ADP
fsr-3174	79	20	a	a	DET
fsr-3174	79	21	household	household	NOUN
fsr-3174	79	22	portfolio	portfolio	NOUN
fsr-3174	79	23	.	.	PUNCT
fsr-3174	80	1	hence	hence	ADV
fsr-3174	80	2	,	,	PUNCT
fsr-3174	80	3	households	household	NOUN
fsr-3174	80	4	could	could	AUX
fsr-3174	80	5	spend	spend	VERB
fsr-3174	80	6	further	further	ADJ
fsr-3174	80	7	free	free	ADJ
fsr-3174	80	8	financial	financial	ADJ
fsr-3174	80	9	services	service	NOUN
fsr-3174	80	10	review	review	NOUN
fsr-3174	80	11	,	,	PUNCT
fsr-3174	80	12	31(4	31(4	NUM
fsr-3174	80	13	)	)	PUNCT
fsr-3174	80	14	286	286	NUM
fsr-3174	80	15	budget	budget	NOUN
fsr-3174	80	16	for	for	ADP
fsr-3174	80	17	riskier	risky	ADJ
fsr-3174	80	18	investments	investment	NOUN
fsr-3174	80	19	in	in	ADP
fsr-3174	80	20	the	the	DET
fsr-3174	80	21	next	next	ADJ
fsr-3174	80	22	higher	high	ADJ
fsr-3174	80	23	layer	layer	NOUN
fsr-3174	80	24	instead	instead	ADV
fsr-3174	80	25	of	of	ADP
fsr-3174	80	26	investing	invest	VERB
fsr-3174	80	27	in	in	ADP
fsr-3174	80	28	additional	additional	ADJ
fsr-3174	80	29	risk	risk	NOUN
fsr-3174	80	30	-	-	PUNCT
fsr-3174	80	31	free	free	ADJ
fsr-3174	80	32	assets	asset	NOUN
fsr-3174	80	33	.	.	PUNCT
fsr-3174	81	1	consequently	consequently	ADV
fsr-3174	81	2	we	we	PRON
fsr-3174	81	3	expect	expect	VERB
fsr-3174	81	4	higher	high	ADJ
fsr-3174	81	5	capital	capital	NOUN
fsr-3174	81	6	market	market	NOUN
fsr-3174	81	7	participation	participation	NOUN
fsr-3174	81	8	when	when	SCONJ
fsr-3174	81	9	households	household	NOUN
fsr-3174	81	10	already	already	ADV
fsr-3174	81	11	have	have	VERB
fsr-3174	81	12	a	a	DET
fsr-3174	81	13	voluntary	voluntary	ADJ
fsr-3174	81	14	pension	pension	NOUN
fsr-3174	81	15	plans	plan	NOUN
fsr-3174	81	16	and/or	and/or	CCONJ
fsr-3174	81	17	a	a	DET
fsr-3174	81	18	whole	whole	ADJ
fsr-3174	81	19	life	life	NOUN
fsr-3174	81	20	insurance	insurance	NOUN
fsr-3174	81	21	contract	contract	NOUN
fsr-3174	81	22	.	.	PUNCT
fsr-3174	82	1	investment	investment	NOUN
fsr-3174	82	2	decisions	decision	NOUN
fsr-3174	82	3	are	be	AUX
fsr-3174	82	4	always	always	ADV
fsr-3174	82	5	linked	link	VERB
fsr-3174	82	6	to	to	ADP
fsr-3174	82	7	a	a	DET
fsr-3174	82	8	planning	planning	NOUN
fsr-3174	82	9	horizon	horizon	NOUN
fsr-3174	82	10	,	,	PUNCT
fsr-3174	82	11	an	an	DET
fsr-3174	82	12	assessment	assessment	NOUN
fsr-3174	82	13	of	of	ADP
fsr-3174	82	14	the	the	DET
fsr-3174	82	15	current	current	ADJ
fsr-3174	82	16	situation	situation	NOUN
fsr-3174	82	17	,	,	PUNCT
fsr-3174	82	18	and	and	CCONJ
fsr-3174	82	19	expectations	expectation	NOUN
fsr-3174	82	20	for	for	ADP
fsr-3174	82	21	the	the	DET
fsr-3174	82	22	future	future	NOUN
fsr-3174	82	23	.	.	PUNCT
fsr-3174	83	1	if	if	SCONJ
fsr-3174	83	2	applicable	applicable	ADJ
fsr-3174	83	3	,	,	PUNCT
fsr-3174	83	4	past	past	ADJ
fsr-3174	83	5	experiences	experience	NOUN
fsr-3174	83	6	additionally	additionally	ADV
fsr-3174	83	7	have	have	VERB
fsr-3174	83	8	an	an	DET
fsr-3174	83	9	influence	influence	NOUN
fsr-3174	83	10	as	as	SCONJ
fsr-3174	83	11	households	household	NOUN
fsr-3174	83	12	learn	learn	VERB
fsr-3174	83	13	from	from	ADP
fsr-3174	83	14	their	their	PRON
fsr-3174	83	15	last	last	ADJ
fsr-3174	83	16	decisions	decision	NOUN
fsr-3174	83	17	.	.	PUNCT
fsr-3174	84	1	households	household	NOUN
fsr-3174	84	2	with	with	ADP
fsr-3174	84	3	a	a	DET
fsr-3174	84	4	longer	long	ADV
fsr-3174	84	5	planning	plan	VERB
fsr-3174	84	6	horizon	horizon	NOUN
fsr-3174	84	7	and	and	CCONJ
fsr-3174	84	8	more	more	ADV
fsr-3174	84	9	positive	positive	ADJ
fsr-3174	84	10	expectations	expectation	NOUN
fsr-3174	84	11	for	for	ADP
fsr-3174	84	12	the	the	DET
fsr-3174	84	13	future	future	NOUN
fsr-3174	84	14	are	be	AUX
fsr-3174	84	15	more	more	ADV
fsr-3174	84	16	likely	likely	ADJ
fsr-3174	84	17	to	to	PART
fsr-3174	84	18	invest	invest	VERB
fsr-3174	84	19	in	in	ADP
fsr-3174	84	20	stocks	stock	NOUN
fsr-3174	84	21	as	as	SCONJ
fsr-3174	84	22	they	they	PRON
fsr-3174	84	23	can	can	AUX
fsr-3174	84	24	better	well	ADV
fsr-3174	84	25	bear	bear	VERB
fsr-3174	84	26	the	the	DET
fsr-3174	84	27	short	short	ADJ
fsr-3174	84	28	-	-	PUNCT
fsr-3174	84	29	term	term	NOUN
fsr-3174	84	30	crash	crash	NOUN
fsr-3174	84	31	risk	risk	NOUN
fsr-3174	84	32	(	(	PUNCT
fsr-3174	84	33	ameriks	ameriks	PROPN
fsr-3174	84	34	&	&	CCONJ
fsr-3174	84	35	zeldes	zelde	NOUN
fsr-3174	84	36	,	,	PUNCT
fsr-3174	84	37	2004	2004	NUM
fsr-3174	84	38	;	;	PUNCT
fsr-3174	84	39	barberis	barberi	NOUN
fsr-3174	84	40	,	,	PUNCT
fsr-3174	84	41	2000	2000	NUM
fsr-3174	84	42	;	;	PUNCT
fsr-3174	84	43	calvet	calvet	NOUN
fsr-3174	84	44	et	et	PROPN
fsr-3174	84	45	al	al	PROPN
fsr-3174	84	46	.	.	PROPN
fsr-3174	84	47	,	,	PUNCT
fsr-3174	84	48	2007	2007	NUM
fsr-3174	84	49	)	)	PUNCT
fsr-3174	84	50	.	.	PUNCT
fsr-3174	85	1	households	household	NOUN
fsr-3174	85	2	that	that	PRON
fsr-3174	85	3	are	be	AUX
fsr-3174	85	4	more	more	ADV
fsr-3174	85	5	satisfied	satisfied	ADJ
fsr-3174	85	6	with	with	ADP
fsr-3174	85	7	their	their	PRON
fsr-3174	85	8	current	current	ADJ
fsr-3174	85	9	lifestyle	lifestyle	NOUN
fsr-3174	85	10	should	should	AUX
fsr-3174	85	11	have	have	VERB
fsr-3174	85	12	more	more	ADJ
fsr-3174	85	13	financial	financial	ADJ
fsr-3174	85	14	resources	resource	NOUN
fsr-3174	85	15	available	available	ADJ
fsr-3174	85	16	for	for	ADP
fsr-3174	85	17	investments	investment	NOUN
fsr-3174	85	18	in	in	ADP
fsr-3174	85	19	risky	risky	ADJ
fsr-3174	85	20	assets	asset	NOUN
fsr-3174	85	21	and	and	CCONJ
fsr-3174	85	22	be	be	AUX
fsr-3174	85	23	less	less	ADJ
fsr-3174	85	24	risk	risk	NOUN
fsr-3174	85	25	averse	averse	ADJ
fsr-3174	85	26	(	(	PUNCT
fsr-3174	85	27	xiao	xiao	PROPN
fsr-3174	85	28	,	,	PUNCT
fsr-3174	85	29	2016	2016	NUM
fsr-3174	85	30	)	)	PUNCT
fsr-3174	85	31	.	.	PUNCT
fsr-3174	86	1	investors	investor	NOUN
fsr-3174	86	2	with	with	ADP
fsr-3174	86	3	positive	positive	ADJ
fsr-3174	86	4	past	past	ADJ
fsr-3174	86	5	investment	investment	NOUN
fsr-3174	86	6	outcomes	outcome	NOUN
fsr-3174	86	7	usually	usually	ADV
fsr-3174	86	8	get	get	VERB
fsr-3174	86	9	more	more	ADV
fsr-3174	86	10	confident	confident	ADJ
fsr-3174	86	11	and	and	CCONJ
fsr-3174	86	12	subsequently	subsequently	ADV
fsr-3174	86	13	invest	invest	VERB
fsr-3174	86	14	higher	high	ADJ
fsr-3174	86	15	amounts	amount	NOUN
fsr-3174	86	16	and	and	CCONJ
fsr-3174	86	17	trade	trade	NOUN
fsr-3174	86	18	at	at	ADP
fsr-3174	86	19	higher	high	ADJ
fsr-3174	86	20	frequency	frequency	NOUN
fsr-3174	86	21	(	(	PUNCT
fsr-3174	86	22	choi	choi	PROPN
fsr-3174	86	23	et	et	PROPN
fsr-3174	86	24	al	al	PROPN
fsr-3174	86	25	.	.	PROPN
fsr-3174	86	26	,	,	PUNCT
fsr-3174	86	27	2009	2009	NUM
fsr-3174	86	28	;	;	PUNCT
fsr-3174	86	29	de	de	PROPN
fsr-3174	86	30	et	et	PROPN
fsr-3174	86	31	al	al	PROPN
fsr-3174	86	32	.	.	PROPN
fsr-3174	86	33	,	,	PUNCT
fsr-3174	86	34	2010	2010	NUM
fsr-3174	86	35	)	)	PUNCT
fsr-3174	86	36	.	.	PUNCT
fsr-3174	87	1	further	far	ADV
fsr-3174	87	2	,	,	PUNCT
fsr-3174	87	3	malmendier	malmendier	NOUN
fsr-3174	87	4	and	and	CCONJ
fsr-3174	87	5	nagel	nagel	PROPN
fsr-3174	87	6	(	(	PUNCT
fsr-3174	87	7	2011	2011	NUM
fsr-3174	87	8	)	)	PUNCT
fsr-3174	87	9	show	show	VERB
fsr-3174	87	10	that	that	SCONJ
fsr-3174	87	11	investors	investor	NOUN
fsr-3174	87	12	who	who	PRON
fsr-3174	87	13	have	have	AUX
fsr-3174	87	14	experienced	experience	VERB
fsr-3174	87	15	higher	high	ADJ
fsr-3174	87	16	stock	stock	NOUN
fsr-3174	87	17	market	market	NOUN
fsr-3174	87	18	returns	return	NOUN
fsr-3174	87	19	throughout	throughout	ADP
fsr-3174	87	20	their	their	PRON
fsr-3174	87	21	lives	life	NOUN
fsr-3174	87	22	are	be	AUX
fsr-3174	87	23	less	less	ADJ
fsr-3174	87	24	risk	risk	NOUN
fsr-3174	87	25	averse	averse	ADJ
fsr-3174	87	26	and	and	CCONJ
fsr-3174	87	27	more	more	ADV
fsr-3174	87	28	likely	likely	ADJ
fsr-3174	87	29	to	to	PART
fsr-3174	87	30	invest	invest	VERB
fsr-3174	87	31	in	in	ADP
fsr-3174	87	32	stocks	stock	NOUN
fsr-3174	87	33	.	.	PUNCT
fsr-3174	88	1	data	datum	NOUN
fsr-3174	88	2	and	and	CCONJ
fsr-3174	88	3	methodology	methodology	NOUN
fsr-3174	88	4	phf	phf	NOUN
fsr-3174	88	5	survey	survey	PROPN
fsr-3174	88	6	data	data	VERB
fsr-3174	88	7	the	the	DET
fsr-3174	88	8	panel	panel	NOUN
fsr-3174	88	9	on	on	ADP
fsr-3174	88	10	household	household	NOUN
fsr-3174	88	11	finances	finance	NOUN
fsr-3174	88	12	(	(	PUNCT
fsr-3174	88	13	phf	phf	NOUN
fsr-3174	88	14	)	)	PUNCT
fsr-3174	88	15	by	by	ADP
fsr-3174	88	16	the	the	DET
fsr-3174	88	17	german	german	ADJ
fsr-3174	88	18	central	central	ADJ
fsr-3174	88	19	bank	bank	PROPN
fsr-3174	88	20	(	(	PUNCT
fsr-3174	88	21	deutsche	deutsche	PROPN
fsr-3174	88	22	bundesbank	bundesbank	PROPN
fsr-3174	88	23	)	)	PUNCT
fsr-3174	88	24	covers	cover	VERB
fsr-3174	88	25	data	datum	NOUN
fsr-3174	88	26	for	for	ADP
fsr-3174	88	27	all	all	DET
fsr-3174	88	28	the	the	DET
fsr-3174	88	29	influential	influential	ADJ
fsr-3174	88	30	factors	factor	NOUN
fsr-3174	88	31	mentioned	mention	VERB
fsr-3174	88	32	in	in	ADP
fsr-3174	88	33	the	the	DET
fsr-3174	88	34	previous	previous	ADJ
fsr-3174	88	35	literature	literature	PROPN
fsr-3174	88	36	review	review	NOUN
fsr-3174	88	37	.	.	PUNCT
fsr-3174	89	1	we	we	PRON
fsr-3174	89	2	use	use	VERB
fsr-3174	89	3	the	the	DET
fsr-3174	89	4	dataset	dataset	NOUN
fsr-3174	89	5	of	of	ADP
fsr-3174	89	6	the	the	DET
fsr-3174	89	7	third	third	ADJ
fsr-3174	89	8	wave	wave	NOUN
fsr-3174	89	9	.	.	PUNCT
fsr-3174	90	1	the	the	DET
fsr-3174	90	2	dataset	dataset	NOUN
fsr-3174	90	3	covers	cover	VERB
fsr-3174	90	4	a	a	DET
fsr-3174	90	5	variety	variety	NOUN
fsr-3174	90	6	of	of	ADP
fsr-3174	90	7	financial	financial	ADJ
fsr-3174	90	8	and	and	CCONJ
fsr-3174	90	9	behavioral	behavioral	ADJ
fsr-3174	90	10	variables	variable	NOUN
fsr-3174	90	11	at	at	ADP
fsr-3174	90	12	the	the	DET
fsr-3174	90	13	household	household	NOUN
fsr-3174	90	14	level	level	NOUN
fsr-3174	90	15	and	and	CCONJ
fsr-3174	90	16	personal	personal	ADJ
fsr-3174	90	17	data	datum	NOUN
fsr-3174	90	18	on	on	ADP
fsr-3174	90	19	all	all	DET
fsr-3174	90	20	household	household	NOUN
fsr-3174	90	21	members	member	NOUN
fsr-3174	90	22	.	.	PUNCT
fsr-3174	91	1	each	each	DET
fsr-3174	91	2	household	household	NOUN
fsr-3174	91	3	is	be	AUX
fsr-3174	91	4	represented	represent	VERB
fsr-3174	91	5	by	by	ADP
fsr-3174	91	6	a	a	DET
fsr-3174	91	7	financially	financially	ADV
fsr-3174	91	8	knowledgeable	knowledgeable	ADJ
fsr-3174	91	9	person	person	NOUN
fsr-3174	91	10	(	(	PUNCT
fsr-3174	91	11	fkp	fkp	PROPN
fsr-3174	91	12	)	)	PUNCT
fsr-3174	91	13	who	who	PRON
fsr-3174	91	14	can	can	AUX
fsr-3174	91	15	provide	provide	VERB
fsr-3174	91	16	the	the	DET
fsr-3174	91	17	necessary	necessary	ADJ
fsr-3174	91	18	information	information	NOUN
fsr-3174	91	19	about	about	ADP
fsr-3174	91	20	the	the	DET
fsr-3174	91	21	household	household	NOUN
fsr-3174	91	22	and	and	CCONJ
fsr-3174	91	23	is	be	AUX
fsr-3174	91	24	assumed	assume	VERB
fsr-3174	91	25	to	to	PART
fsr-3174	91	26	be	be	AUX
fsr-3174	91	27	mainly	mainly	ADV
fsr-3174	91	28	responsible	responsible	ADJ
fsr-3174	91	29	for	for	ADP
fsr-3174	91	30	the	the	DET
fsr-3174	91	31	household	household	NOUN
fsr-3174	91	32	’s	’s	PART
fsr-3174	91	33	financial	financial	ADJ
fsr-3174	91	34	decisions	decision	NOUN
fsr-3174	91	35	(	(	PUNCT
fsr-3174	91	36	see	see	VERB
fsr-3174	91	37	altmann	altmann	NOUN
fsr-3174	91	38	et	et	PROPN
fsr-3174	91	39	al	al	PROPN
fsr-3174	91	40	.	.	PROPN
fsr-3174	91	41	,	,	PUNCT
fsr-3174	91	42	2020	2020	NUM
fsr-3174	91	43	;	;	PUNCT
fsr-3174	91	44	phf	phf	NOUN
fsr-3174	91	45	survey	survey	NOUN
fsr-3174	91	46	team	team	NOUN
fsr-3174	91	47	,	,	PUNCT
fsr-3174	91	48	2019a	2019a	NUM
fsr-3174	91	49	,	,	PUNCT
fsr-3174	91	50	2019b	2019b	NUM
fsr-3174	91	51	;	;	PUNCT
fsr-3174	91	52	von	von	PROPN
fsr-3174	91	53	kalckreuth	kalckreuth	PROPN
fsr-3174	91	54	et	et	PROPN
fsr-3174	91	55	al	al	PROPN
fsr-3174	91	56	.	.	PROPN
fsr-3174	91	57	,	,	PUNCT
fsr-3174	91	58	2012	2012	NUM
fsr-3174	91	59	)	)	PUNCT
fsr-3174	91	60	.	.	PUNCT
fsr-3174	92	1	information	information	NOUN
fsr-3174	92	2	about	about	ADP
fsr-3174	92	3	the	the	DET
fsr-3174	92	4	fkp	fkp	PROPN
fsr-3174	92	5	comprises	comprise	VERB
fsr-3174	92	6	age	age	NOUN
fsr-3174	92	7	,	,	PUNCT
fsr-3174	92	8	gender	gender	NOUN
fsr-3174	92	9	,	,	PUNCT
fsr-3174	92	10	graduation	graduation	NOUN
fsr-3174	92	11	,	,	PUNCT
fsr-3174	92	12	professional	professional	ADJ
fsr-3174	92	13	qualification	qualification	NOUN
fsr-3174	92	14	,	,	PUNCT
fsr-3174	92	15	and	and	CCONJ
fsr-3174	92	16	financial	financial	ADJ
fsr-3174	92	17	literacy	literacy	NOUN
fsr-3174	92	18	.	.	PUNCT
fsr-3174	93	1	the	the	DET
fsr-3174	93	2	third	third	ADJ
fsr-3174	93	3	wave	wave	NOUN
fsr-3174	93	4	of	of	ADP
fsr-3174	93	5	the	the	DET
fsr-3174	93	6	phf	phf	NOUN
fsr-3174	93	7	started	start	VERB
fsr-3174	93	8	in	in	ADP
fsr-3174	93	9	march	march	PROPN
fsr-3174	93	10	2017	2017	NUM
fsr-3174	93	11	,	,	PUNCT
fsr-3174	93	12	and	and	CCONJ
fsr-3174	93	13	the	the	DET
fsr-3174	93	14	collection	collection	NOUN
fsr-3174	93	15	process	process	NOUN
fsr-3174	93	16	ended	end	VERB
fsr-3174	93	17	in	in	ADP
fsr-3174	93	18	november	november	PROPN
fsr-3174	93	19	2017	2017	NUM
fsr-3174	93	20	.	.	PUNCT
fsr-3174	94	1	the	the	DET
fsr-3174	94	2	total	total	ADJ
fsr-3174	94	3	number	number	NOUN
fsr-3174	94	4	of	of	ADP
fsr-3174	94	5	households	household	NOUN
fsr-3174	94	6	that	that	PRON
fsr-3174	94	7	participated	participate	VERB
fsr-3174	94	8	was	be	AUX
fsr-3174	94	9	4,962	4,962	NUM
fsr-3174	94	10	.	.	PUNCT
fsr-3174	95	1	following	follow	VERB
fsr-3174	95	2	von	von	PROPN
fsr-3174	95	3	gaudecker	gaudecker	PROPN
fsr-3174	95	4	(	(	PUNCT
fsr-3174	95	5	2015	2015	NUM
fsr-3174	95	6	)	)	PUNCT
fsr-3174	95	7	,	,	PUNCT
fsr-3174	95	8	we	we	PRON
fsr-3174	95	9	exclude	exclude	VERB
fsr-3174	95	10	households	household	NOUN
fsr-3174	95	11	with	with	ADP
fsr-3174	95	12	less	less	ADJ
fsr-3174	95	13	than	than	ADP
fsr-3174	95	14	1,000	1,000	NUM
fsr-3174	95	15	euros	euro	NOUN
fsr-3174	95	16	in	in	ADP
fsr-3174	95	17	financial	financial	ADJ
fsr-3174	95	18	assets	asset	NOUN
fsr-3174	95	19	,	,	PUNCT
fsr-3174	95	20	which	which	PRON
fsr-3174	95	21	yields	yield	VERB
fsr-3174	95	22	an	an	DET
fsr-3174	95	23	initial	initial	ADJ
fsr-3174	95	24	sample	sample	NOUN
fsr-3174	95	25	of	of	ADP
fsr-3174	95	26	4,538	4,538	NUM
fsr-3174	95	27	households	household	NOUN
fsr-3174	95	28	.	.	PUNCT
fsr-3174	96	1	methodology	methodology	NOUN
fsr-3174	96	2	we	we	PRON
fsr-3174	96	3	use	use	VERB
fsr-3174	96	4	structural	structural	ADJ
fsr-3174	96	5	equation	equation	NOUN
fsr-3174	96	6	analysis	analysis	NOUN
fsr-3174	96	7	(	(	PUNCT
fsr-3174	96	8	sea	sea	NOUN
fsr-3174	96	9	)	)	PUNCT
fsr-3174	96	10	,	,	PUNCT
fsr-3174	96	11	which	which	PRON
fsr-3174	96	12	allows	allow	VERB
fsr-3174	96	13	us	we	PRON
fsr-3174	96	14	to	to	PART
fsr-3174	96	15	investigate	investigate	VERB
fsr-3174	96	16	and	and	CCONJ
fsr-3174	96	17	quantitatively	quantitatively	ADV
fsr-3174	96	18	estimate	estimate	VERB
fsr-3174	96	19	complex	complex	ADJ
fsr-3174	96	20	relationship	relationship	NOUN
fsr-3174	96	21	structures	structure	NOUN
fsr-3174	96	22	between	between	ADP
fsr-3174	96	23	manifest	manifest	ADJ
fsr-3174	96	24	and/or	and/or	CCONJ
fsr-3174	96	25	latent	latent	ADJ
fsr-3174	96	26	variables	variable	NOUN
fsr-3174	96	27	(	(	PUNCT
fsr-3174	96	28	byrne	byrne	ADJ
fsr-3174	96	29	,	,	PUNCT
fsr-3174	96	30	2016	2016	NUM
fsr-3174	96	31	;	;	PUNCT
fsr-3174	96	32	hair	hair	NOUN
fsr-3174	96	33	et	et	PROPN
fsr-3174	96	34	al	al	PROPN
fsr-3174	96	35	.	.	PROPN
fsr-3174	96	36	,	,	PUNCT
fsr-3174	96	37	2010	2010	NUM
fsr-3174	96	38	)	)	PUNCT
fsr-3174	96	39	.	.	PUNCT
fsr-3174	97	1	the	the	DET
fsr-3174	97	2	aim	aim	NOUN
fsr-3174	97	3	of	of	ADP
fsr-3174	97	4	sea	sea	NOUN
fsr-3174	97	5	is	be	AUX
fsr-3174	97	6	to	to	PART
fsr-3174	97	7	represent	represent	VERB
fsr-3174	97	8	the	the	DET
fsr-3174	97	9	a	a	DET
fsr-3174	97	10	priori	priori	ADV
fsr-3174	97	11	formulated	formulate	VERB
fsr-3174	97	12	relationships	relationship	NOUN
fsr-3174	97	13	in	in	ADP
fsr-3174	97	14	a	a	DET
fsr-3174	97	15	system	system	NOUN
fsr-3174	97	16	of	of	ADP
fsr-3174	97	17	equations	equation	NOUN
fsr-3174	97	18	and	and	CCONJ
fsr-3174	97	19	to	to	PART
fsr-3174	97	20	estimate	estimate	VERB
fsr-3174	97	21	the	the	DET
fsr-3174	97	22	model	model	NOUN
fsr-3174	97	23	parameters	parameter	NOUN
fsr-3174	97	24	in	in	ADP
fsr-3174	97	25	such	such	DET
fsr-3174	97	26	a	a	DET
fsr-3174	97	27	way	way	NOUN
fsr-3174	97	28	that	that	PRON
fsr-3174	97	29	the	the	DET
fsr-3174	97	30	initial	initial	ADJ
fsr-3174	97	31	data	datum	NOUN
fsr-3174	97	32	collected	collect	VERB
fsr-3174	97	33	on	on	ADP
fsr-3174	97	34	the	the	DET
fsr-3174	97	35	variables	variable	NOUN
fsr-3174	97	36	are	be	AUX
fsr-3174	97	37	reproduced	reproduce	VERB
fsr-3174	97	38	as	as	ADV
fsr-3174	97	39	well	well	ADV
fsr-3174	97	40	as	as	ADP
fsr-3174	97	41	possible	possible	ADJ
fsr-3174	97	42	.	.	PUNCT
fsr-3174	98	1	structural	structural	ADJ
fsr-3174	98	2	equation	equation	NOUN
fsr-3174	98	3	modeling	modeling	NOUN
fsr-3174	98	4	has	have	AUX
fsr-3174	98	5	been	be	AUX
fsr-3174	98	6	used	use	VERB
fsr-3174	98	7	in	in	ADP
fsr-3174	98	8	many	many	ADJ
fsr-3174	98	9	disciplines	discipline	NOUN
fsr-3174	98	10	and	and	CCONJ
fsr-3174	98	11	has	have	AUX
fsr-3174	98	12	become	become	VERB
fsr-3174	98	13	an	an	DET
fsr-3174	98	14	important	important	ADJ
fsr-3174	98	15	method	method	NOUN
fsr-3174	98	16	of	of	ADP
fsr-3174	98	17	analysis	analysis	NOUN
fsr-3174	98	18	in	in	ADP
fsr-3174	98	19	academic	academic	ADJ
fsr-3174	98	20	research	research	NOUN
fsr-3174	98	21	(	(	PUNCT
fsr-3174	98	22	e.g.	e.g.	ADV
fsr-3174	98	23	,	,	PUNCT
fsr-3174	98	24	byrne	byrne	ADJ
fsr-3174	98	25	,	,	PUNCT
fsr-3174	98	26	2001	2001	NUM
fsr-3174	98	27	;	;	PUNCT
fsr-3174	98	28	hair	hair	NOUN
fsr-3174	98	29	et	et	PROPN
fsr-3174	98	30	al	al	PROPN
fsr-3174	98	31	.	.	PROPN
fsr-3174	98	32	,	,	PUNCT
fsr-3174	98	33	2010	2010	NUM
fsr-3174	98	34	;	;	PUNCT
fsr-3174	98	35	kline	kline	PROPN
fsr-3174	98	36	,	,	PUNCT
fsr-3174	98	37	2005	2005	NUM
fsr-3174	98	38	;	;	PUNCT
fsr-3174	98	39	savalei	savalei	NOUN
fsr-3174	98	40	&	&	CCONJ
fsr-3174	98	41	bentler	bentler	NOUN
fsr-3174	98	42	,	,	PUNCT
fsr-3174	98	43	2006	2006	NUM
fsr-3174	98	44	)	)	PUNCT
fsr-3174	98	45	.	.	PUNCT
fsr-3174	99	1	in	in	ADP
fsr-3174	99	2	contrast	contrast	NOUN
fsr-3174	99	3	to	to	PART
fsr-3174	99	4	regression	regression	VERB
fsr-3174	99	5	analysis	analysis	NOUN
fsr-3174	99	6	(	(	PUNCT
fsr-3174	99	7	ra	ra	PROPN
fsr-3174	99	8	,	,	PUNCT
fsr-3174	99	9	ols	ol	NOUN
fsr-3174	99	10	)	)	PUNCT
fsr-3174	99	11	,	,	PUNCT
fsr-3174	99	12	sea	sea	NOUN
fsr-3174	99	13	tests	test	NOUN
fsr-3174	99	14	complex	complex	ADJ
fsr-3174	99	15	variable	variable	ADJ
fsr-3174	99	16	relationships	relationship	NOUN
fsr-3174	99	17	that	that	PRON
fsr-3174	99	18	reflect	reflect	VERB
fsr-3174	99	19	causal	causal	ADJ
fsr-3174	99	20	conjectures	conjecture	VERB
fsr-3174	99	21	about	about	ADP
fsr-3174	99	22	the	the	DET
fsr-3174	99	23	relationship	relationship	NOUN
fsr-3174	99	24	structures	structure	NOUN
fsr-3174	99	25	among	among	ADP
fsr-3174	99	26	the	the	DET
fsr-3174	99	27	variables	variable	NOUN
fsr-3174	99	28	under	under	ADP
fsr-3174	99	29	consideration	consideration	NOUN
fsr-3174	99	30	.	.	PUNCT
fsr-3174	100	1	“	"	PUNCT
fsr-3174	100	2	complex	complex	ADJ
fsr-3174	100	3	”	"	PUNCT
fsr-3174	100	4	in	in	ADP
fsr-3174	100	5	this	this	DET
fsr-3174	100	6	context	context	NOUN
fsr-3174	100	7	means	mean	VERB
fsr-3174	100	8	that	that	SCONJ
fsr-3174	100	9	several	several	ADJ
fsr-3174	100	10	causal	causal	ADJ
fsr-3174	100	11	hypotheses	hypothesis	NOUN
fsr-3174	100	12	are	be	AUX
fsr-3174	100	13	considered	consider	VERB
fsr-3174	100	14	simultaneously	simultaneously	ADV
fsr-3174	100	15	.	.	PUNCT
fsr-3174	101	1	in	in	ADP
fsr-3174	101	2	this	this	DET
fsr-3174	101	3	context	context	NOUN
fsr-3174	101	4	,	,	PUNCT
fsr-3174	101	5	individual	individual	ADJ
fsr-3174	101	6	variables	variable	NOUN
fsr-3174	101	7	in	in	ADP
fsr-3174	101	8	the	the	DET
fsr-3174	101	9	different	different	ADJ
fsr-3174	101	10	hypotheses	hypothesis	NOUN
fsr-3174	101	11	may	may	AUX
fsr-3174	101	12	represent	represent	VERB
fsr-3174	101	13	both	both	CCONJ
fsr-3174	101	14	independent	independent	ADJ
fsr-3174	101	15	and	and	CCONJ
fsr-3174	101	16	dependent	dependent	ADJ
fsr-3174	101	17	variables	variable	NOUN
fsr-3174	101	18	.	.	PUNCT
fsr-3174	102	1	furthermore	furthermore	ADV
fsr-3174	102	2	,	,	PUNCT
fsr-3174	102	3	bilateral	bilateral	ADJ
fsr-3174	102	4	relationships	relationship	NOUN
fsr-3174	102	5	(	(	PUNCT
fsr-3174	102	6	interrelationships	interrelationship	NOUN
fsr-3174	102	7	)	)	PUNCT
fsr-3174	102	8	between	between	ADP
fsr-3174	102	9	variables	variable	NOUN
fsr-3174	102	10	are	be	AUX
fsr-3174	102	11	also	also	ADV
fsr-3174	102	12	possible	possible	ADJ
fsr-3174	102	13	.	.	PUNCT
fsr-3174	103	1	thus	thus	ADV
fsr-3174	103	2	,	,	PUNCT
fsr-3174	103	3	multi	multi	ADJ
fsr-3174	103	4	-	-	ADJ
fsr-3174	103	5	equation	equation	ADJ
fsr-3174	103	6	systems	system	NOUN
fsr-3174	103	7	are	be	AUX
fsr-3174	103	8	used	use	VERB
fsr-3174	103	9	,	,	PUNCT
fsr-3174	103	10	which	which	PRON
fsr-3174	103	11	represent	represent	VERB
fsr-3174	103	12	the	the	DET
fsr-3174	103	13	presumed	presume	VERB
fsr-3174	103	14	effect	effect	NOUN
fsr-3174	103	15	relationships	relationship	NOUN
fsr-3174	103	16	in	in	ADP
fsr-3174	103	17	several	several	ADJ
fsr-3174	103	18	regression	regression	NOUN
fsr-3174	103	19	equations	equation	NOUN
fsr-3174	103	20	,	,	PUNCT
fsr-3174	103	21	which	which	PRON
fsr-3174	103	22	are	be	AUX
fsr-3174	103	23	estimated	estimate	VERB
fsr-3174	103	24	simultaneously	simultaneously	ADV
fsr-3174	103	25	(	(	PUNCT
fsr-3174	103	26	i.e.	i.e.	X
fsr-3174	103	27	,	,	PUNCT
fsr-3174	103	28	a	a	DET
fsr-3174	103	29	non	non	ADJ
fsr-3174	103	30	-	-	ADJ
fsr-3174	103	31	recursive	recursive	ADJ
fsr-3174	103	32	model	model	NOUN
fsr-3174	103	33	)	)	PUNCT
fsr-3174	103	34	(	(	PUNCT
fsr-3174	103	35	weiber	weiber	PROPN
fsr-3174	103	36	&	&	CCONJ
fsr-3174	103	37	mühlhaus	mühlhaus	PROPN
fsr-3174	103	38	,	,	PUNCT
fsr-3174	103	39	2014	2014	NUM
fsr-3174	103	40	)	)	PUNCT
fsr-3174	103	41	.	.	PUNCT
fsr-3174	104	1	while	while	SCONJ
fsr-3174	104	2	a	a	DET
fsr-3174	104	3	ra	ra	PROPN
fsr-3174	104	4	makes	make	VERB
fsr-3174	104	5	a	a	DET
fsr-3174	104	6	clear	clear	ADJ
fsr-3174	104	7	distinction	distinction	NOUN
fsr-3174	104	8	between	between	ADP
fsr-3174	104	9	a	a	DET
fsr-3174	104	10	dependent	dependent	ADJ
fsr-3174	104	11	and	and	CCONJ
fsr-3174	104	12	one	one	NUM
fsr-3174	104	13	or	or	CCONJ
fsr-3174	104	14	more	more	ADV
fsr-3174	104	15	independent	independent	ADJ
fsr-3174	104	16	variables	variable	NOUN
fsr-3174	104	17	,	,	PUNCT
fsr-3174	104	18	sea	sea	NOUN
fsr-3174	104	19	does	do	AUX
fsr-3174	104	20	not	not	PART
fsr-3174	104	21	require	require	VERB
fsr-3174	104	22	such	such	DET
fsr-3174	104	23	a	a	DET
fsr-3174	104	24	clear	clear	ADJ
fsr-3174	104	25	distinction	distinction	NOUN
fsr-3174	104	26	.	.	PUNCT
fsr-3174	105	1	another	another	DET
fsr-3174	105	2	key	key	ADJ
fsr-3174	105	3	difference	difference	NOUN
fsr-3174	105	4	from	from	ADP
fsr-3174	105	5	ra	ra	PROPN
fsr-3174	105	6	is	be	AUX
fsr-3174	105	7	that	that	SCONJ
fsr-3174	105	8	a	a	DET
fsr-3174	105	9	ra	ra	NOUN
fsr-3174	105	10	considers	consider	VERB
fsr-3174	105	11	only	only	ADV
fsr-3174	105	12	empirically	empirically	ADV
fsr-3174	105	13	directly	directly	ADV
fsr-3174	105	14	measurable	measurable	ADJ
fsr-3174	105	15	variables	variable	NOUN
fsr-3174	105	16	(	(	PUNCT
fsr-3174	105	17	manifest	manifest	ADJ
fsr-3174	105	18	variables	variable	NOUN
fsr-3174	105	19	)	)	PUNCT
fsr-3174	105	20	,	,	PUNCT
fsr-3174	105	21	whereas	whereas	SCONJ
fsr-3174	105	22	sea	sea	NOUN
fsr-3174	105	23	can	can	AUX
fsr-3174	105	24	analyze	analyze	VERB
fsr-3174	105	25	relationships	relationship	NOUN
fsr-3174	105	26	between	between	ADP
fsr-3174	105	27	manifest	manifest	ADJ
fsr-3174	105	28	variables	variable	NOUN
fsr-3174	105	29	as	as	ADV
fsr-3174	105	30	well	well	ADV
fsr-3174	105	31	as	as	ADP
fsr-3174	105	32	between	between	ADP
fsr-3174	105	33	latent	latent	NOUN
fsr-3174	105	34	variables	variable	NOUN
fsr-3174	105	35	(	(	PUNCT
fsr-3174	105	36	i.e.	i.e.	X
fsr-3174	105	37	,	,	PUNCT
fsr-3174	105	38	variables	variable	NOUN
fsr-3174	105	39	that	that	PRON
fsr-3174	105	40	are	be	AUX
fsr-3174	105	41	not	not	PART
fsr-3174	105	42	directly	directly	ADV
fsr-3174	105	43	observable	observable	ADJ
fsr-3174	105	44	)	)	PUNCT
fsr-3174	105	45	.	.	PUNCT
fsr-3174	106	1	latent	latent	PROPN
fsr-3174	106	2	variables	variable	NOUN
fsr-3174	106	3	are	be	AUX
fsr-3174	106	4	also	also	ADV
fsr-3174	106	5	referred	refer	VERB
fsr-3174	106	6	to	to	ADP
fsr-3174	106	7	as	as	ADP
fsr-3174	106	8	hypothetical	hypothetical	ADJ
fsr-3174	106	9	constructs	construct	NOUN
fsr-3174	106	10	(	(	PUNCT
fsr-3174	106	11	e.g.	e.g.	ADV
fsr-3174	106	12	,	,	PUNCT
fsr-3174	106	13	risk	risk	NOUN
fsr-3174	106	14	attitude	attitude	NOUN
fsr-3174	106	15	,	,	PUNCT
fsr-3174	106	16	oehler	oehler	NOUN
fsr-3174	106	17	&	&	CCONJ
fsr-3174	106	18	horn	horn	PROPN
fsr-3174	106	19	287	287	NUM
fsr-3174	106	20	competence	competence	NOUN
fsr-3174	106	21	,	,	PUNCT
fsr-3174	106	22	financial	financial	ADJ
fsr-3174	106	23	literacy	literacy	NOUN
fsr-3174	106	24	,	,	PUNCT
fsr-3174	106	25	trust	trust	NOUN
fsr-3174	106	26	,	,	PUNCT
fsr-3174	106	27	reputation	reputation	NOUN
fsr-3174	106	28	)	)	PUNCT
fsr-3174	106	29	.	.	PUNCT
fsr-3174	107	1	we	we	PRON
fsr-3174	107	2	use	use	VERB
fsr-3174	107	3	amos	amos	PROPN
fsr-3174	107	4	29	29	NUM
fsr-3174	107	5	and	and	CCONJ
fsr-3174	107	6	thus	thus	ADV
fsr-3174	107	7	a	a	DET
fsr-3174	107	8	covariance	covariance	NOUN
fsr-3174	107	9	structure	structure	NOUN
fsr-3174	107	10	analysis	analysis	NOUN
fsr-3174	107	11	based	base	VERB
fsr-3174	107	12	on	on	ADP
fsr-3174	107	13	confirmatory	confirmatory	ADJ
fsr-3174	107	14	factor	factor	NOUN
fsr-3174	107	15	analysis	analysis	NOUN
fsr-3174	107	16	.	.	PUNCT
fsr-3174	108	1	the	the	DET
fsr-3174	108	2	latent	latent	NOUN
fsr-3174	108	3	variables	variable	NOUN
fsr-3174	108	4	are	be	AUX
fsr-3174	108	5	interpreted	interpret	VERB
fsr-3174	108	6	as	as	ADP
fsr-3174	108	7	factors	factor	NOUN
fsr-3174	108	8	that	that	PRON
fsr-3174	108	9	are	be	AUX
fsr-3174	108	10	“	"	PUNCT
fsr-3174	108	11	behind	behind	ADP
fsr-3174	108	12	”	"	PUNCT
fsr-3174	108	13	the	the	DET
fsr-3174	108	14	measurement	measurement	NOUN
fsr-3174	108	15	variables	variable	NOUN
fsr-3174	108	16	and	and	CCONJ
fsr-3174	108	17	are	be	AUX
fsr-3174	108	18	assigned	assign	VERB
fsr-3174	108	19	to	to	ADP
fsr-3174	108	20	the	the	DET
fsr-3174	108	21	different	different	ADJ
fsr-3174	108	22	measurement	measurement	NOUN
fsr-3174	108	23	variables	variable	NOUN
fsr-3174	108	24	according	accord	VERB
fsr-3174	108	25	to	to	ADP
fsr-3174	108	26	the	the	DET
fsr-3174	108	27	formulated	formulated	ADJ
fsr-3174	108	28	hypothesis	hypothesis	NOUN
fsr-3174	108	29	system	system	NOUN
fsr-3174	108	30	.	.	PUNCT
fsr-3174	109	1	factor	factor	NOUN
fsr-3174	109	2	analysis	analysis	NOUN
fsr-3174	109	3	is	be	AUX
fsr-3174	109	4	then	then	ADV
fsr-3174	109	5	used	use	VERB
fsr-3174	109	6	to	to	PART
fsr-3174	109	7	estimate	estimate	VERB
fsr-3174	109	8	the	the	DET
fsr-3174	109	9	factor	factor	NOUN
fsr-3174	109	10	loadings	loading	NOUN
fsr-3174	109	11	(	(	PUNCT
fsr-3174	109	12	i.e.	i.e.	X
fsr-3174	109	13	,	,	PUNCT
fsr-3174	109	14	correlations	correlation	NOUN
fsr-3174	109	15	between	between	ADP
fsr-3174	109	16	measured	measure	VERB
fsr-3174	109	17	variables	variable	NOUN
fsr-3174	109	18	and	and	CCONJ
fsr-3174	109	19	factors	factor	NOUN
fsr-3174	109	20	)	)	PUNCT
fsr-3174	109	21	in	in	ADP
fsr-3174	109	22	such	such	DET
fsr-3174	109	23	a	a	DET
fsr-3174	109	24	way	way	NOUN
fsr-3174	109	25	that	that	PRON
fsr-3174	109	26	the	the	DET
fsr-3174	109	27	empirical	empirical	ADJ
fsr-3174	109	28	variance	variance	NOUN
fsr-3174	109	29	-	-	PUNCT
fsr-3174	109	30	covariance	covariance	NOUN
fsr-3174	109	31	matrix	matrix	NOUN
fsr-3174	109	32	or	or	CCONJ
fsr-3174	109	33	correlation	correlation	NOUN
fsr-3174	109	34	matrix	matrix	NOUN
fsr-3174	109	35	can	can	AUX
fsr-3174	109	36	be	be	AUX
fsr-3174	109	37	reproduced	reproduce	VERB
fsr-3174	109	38	as	as	ADV
fsr-3174	109	39	accurately	accurately	ADV
fsr-3174	109	40	as	as	ADP
fsr-3174	109	41	possible	possible	ADJ
fsr-3174	109	42	(	(	PUNCT
fsr-3174	109	43	weiber	weiber	PROPN
fsr-3174	109	44	&	&	CCONJ
fsr-3174	109	45	mühlhaus	mühlhaus	PROPN
fsr-3174	109	46	,	,	PUNCT
fsr-3174	109	47	2014	2014	NUM
fsr-3174	109	48	)	)	PUNCT
fsr-3174	109	49	.	.	PUNCT
fsr-3174	110	1	accordingly	accordingly	ADV
fsr-3174	110	2	,	,	PUNCT
fsr-3174	110	3	manifest	manifest	ADJ
fsr-3174	110	4	and	and	CCONJ
fsr-3174	110	5	latent	latent	NOUN
fsr-3174	110	6	variables	variable	NOUN
fsr-3174	110	7	are	be	AUX
fsr-3174	110	8	to	to	PART
fsr-3174	110	9	be	be	AUX
fsr-3174	110	10	distinguished	distinguish	VERB
fsr-3174	110	11	in	in	ADP
fsr-3174	110	12	sea	sea	NOUN
fsr-3174	110	13	.	.	PUNCT
fsr-3174	111	1	manifest	manifest	PROPN
fsr-3174	111	2	variables	variable	NOUN
fsr-3174	111	3	are	be	AUX
fsr-3174	111	4	directly	directly	ADV
fsr-3174	111	5	observable	observable	ADJ
fsr-3174	111	6	,	,	PUNCT
fsr-3174	111	7	and	and	CCONJ
fsr-3174	111	8	their	their	PRON
fsr-3174	111	9	manifestations	manifestation	NOUN
fsr-3174	111	10	can	can	AUX
fsr-3174	111	11	be	be	AUX
fsr-3174	111	12	recorded	record	VERB
fsr-3174	111	13	directly	directly	ADV
fsr-3174	111	14	with	with	ADP
fsr-3174	111	15	the	the	DET
fsr-3174	111	16	help	help	NOUN
fsr-3174	111	17	of	of	ADP
fsr-3174	111	18	suitable	suitable	ADJ
fsr-3174	111	19	measurement	measurement	NOUN
fsr-3174	111	20	instruments	instrument	NOUN
fsr-3174	111	21	.	.	PUNCT
fsr-3174	112	1	latent	latent	NOUN
fsr-3174	112	2	variables	variable	NOUN
fsr-3174	112	3	(	(	PUNCT
fsr-3174	112	4	i.e.	i.e.	X
fsr-3174	112	5	,	,	PUNCT
fsr-3174	112	6	hypothetical	hypothetical	ADJ
fsr-3174	112	7	constructs	construct	NOUN
fsr-3174	112	8	)	)	PUNCT
fsr-3174	112	9	are	be	AUX
fsr-3174	112	10	characterized	characterize	VERB
fsr-3174	112	11	by	by	ADP
fsr-3174	112	12	the	the	DET
fsr-3174	112	13	fact	fact	NOUN
fsr-3174	112	14	that	that	SCONJ
fsr-3174	112	15	they	they	PRON
fsr-3174	112	16	elude	elude	VERB
fsr-3174	112	17	direct	direct	ADJ
fsr-3174	112	18	observability	observability	NOUN
fsr-3174	112	19	.	.	PUNCT
fsr-3174	113	1	therefore	therefore	ADV
fsr-3174	113	2	,	,	PUNCT
fsr-3174	113	3	suitable	suitable	ADJ
fsr-3174	113	4	measurement	measurement	NOUN
fsr-3174	113	5	models	model	NOUN
fsr-3174	113	6	are	be	AUX
fsr-3174	113	7	needed	need	VERB
fsr-3174	113	8	to	to	PART
fsr-3174	113	9	capture	capture	VERB
fsr-3174	113	10	the	the	DET
fsr-3174	113	11	manifestations	manifestation	NOUN
fsr-3174	113	12	of	of	ADP
fsr-3174	113	13	a	a	DET
fsr-3174	113	14	latent	latent	NOUN
fsr-3174	113	15	variable	variable	NOUN
fsr-3174	113	16	in	in	ADP
fsr-3174	113	17	reality	reality	NOUN
fsr-3174	113	18	.	.	PUNCT
fsr-3174	114	1	if	if	SCONJ
fsr-3174	114	2	a	a	DET
fsr-3174	114	3	structural	structural	ADJ
fsr-3174	114	4	model	model	NOUN
fsr-3174	114	5	consists	consist	VERB
fsr-3174	114	6	only	only	ADV
fsr-3174	114	7	of	of	ADP
fsr-3174	114	8	manifest	manifest	ADJ
fsr-3174	114	9	variables	variable	NOUN
fsr-3174	114	10	and	and	CCONJ
fsr-3174	114	11	if	if	SCONJ
fsr-3174	114	12	there	there	PRON
fsr-3174	114	13	were	be	VERB
fsr-3174	114	14	no	no	DET
fsr-3174	114	15	interactions	interaction	NOUN
fsr-3174	114	16	between	between	ADP
fsr-3174	114	17	the	the	DET
fsr-3174	114	18	variables	variable	NOUN
fsr-3174	114	19	,	,	PUNCT
fsr-3174	114	20	ra	ra	PROPN
fsr-3174	114	21	would	would	AUX
fsr-3174	114	22	be	be	AUX
fsr-3174	114	23	the	the	DET
fsr-3174	114	24	classical	classical	ADJ
fsr-3174	114	25	method	method	NOUN
fsr-3174	114	26	of	of	ADP
fsr-3174	114	27	analysis	analysis	NOUN
fsr-3174	114	28	.	.	PUNCT
fsr-3174	115	1	if	if	SCONJ
fsr-3174	115	2	,	,	PUNCT
fsr-3174	115	3	on	on	ADP
fsr-3174	115	4	the	the	DET
fsr-3174	115	5	other	other	ADJ
fsr-3174	115	6	hand	hand	NOUN
fsr-3174	115	7	,	,	PUNCT
fsr-3174	115	8	there	there	PRON
fsr-3174	115	9	are	be	VERB
fsr-3174	115	10	interactions	interaction	NOUN
fsr-3174	115	11	between	between	ADP
fsr-3174	115	12	the	the	DET
fsr-3174	115	13	manifest	manifest	ADJ
fsr-3174	115	14	variables	variable	NOUN
fsr-3174	115	15	,	,	PUNCT
fsr-3174	115	16	then	then	ADV
fsr-3174	115	17	path	path	VERB
fsr-3174	115	18	analysis	analysis	NOUN
fsr-3174	115	19	is	be	AUX
fsr-3174	115	20	used	use	VERB
fsr-3174	115	21	.	.	PUNCT
fsr-3174	116	1	it	it	PRON
fsr-3174	116	2	allows	allow	VERB
fsr-3174	116	3	complex	complex	ADJ
fsr-3174	116	4	structural	structural	ADJ
fsr-3174	116	5	models	model	NOUN
fsr-3174	116	6	to	to	PART
fsr-3174	116	7	be	be	AUX
fsr-3174	116	8	tested	test	VERB
fsr-3174	116	9	using	use	VERB
fsr-3174	116	10	multiple	multiple	ADJ
fsr-3174	116	11	ra	ra	PROPN
fsr-3174	116	12	.	.	PUNCT
fsr-3174	117	1	for	for	ADP
fsr-3174	117	2	structural	structural	ADJ
fsr-3174	117	3	models	model	NOUN
fsr-3174	117	4	that	that	PRON
fsr-3174	117	5	formulate	formulate	VERB
fsr-3174	117	6	relationships	relationship	NOUN
fsr-3174	117	7	between	between	ADP
fsr-3174	117	8	latent	latent	NOUN
fsr-3174	117	9	variables	variable	NOUN
fsr-3174	117	10	,	,	PUNCT
fsr-3174	117	11	suitable	suitable	ADJ
fsr-3174	117	12	measurement	measurement	NOUN
fsr-3174	117	13	models	model	NOUN
fsr-3174	117	14	are	be	AUX
fsr-3174	117	15	first	first	ADV
fsr-3174	117	16	required	require	VERB
fsr-3174	117	17	,	,	PUNCT
fsr-3174	117	18	which	which	PRON
fsr-3174	117	19	can	can	AUX
fsr-3174	117	20	be	be	AUX
fsr-3174	117	21	used	use	VERB
fsr-3174	117	22	to	to	PART
fsr-3174	117	23	obtain	obtain	VERB
fsr-3174	117	24	empirical	empirical	ADJ
fsr-3174	117	25	observed	observed	ADJ
fsr-3174	117	26	values	value	NOUN
fsr-3174	117	27	for	for	ADP
fsr-3174	117	28	the	the	DET
fsr-3174	117	29	latent	latent	NOUN
fsr-3174	117	30	variables	variable	NOUN
fsr-3174	117	31	.	.	PUNCT
fsr-3174	118	1	using	use	VERB
fsr-3174	118	2	these	these	DET
fsr-3174	118	3	measurement	measurement	NOUN
fsr-3174	118	4	values	value	NOUN
fsr-3174	118	5	,	,	PUNCT
fsr-3174	118	6	the	the	DET
fsr-3174	118	7	presumed	presume	VERB
fsr-3174	118	8	structure	structure	NOUN
fsr-3174	118	9	between	between	ADP
fsr-3174	118	10	the	the	DET
fsr-3174	118	11	latent	latent	NOUN
fsr-3174	118	12	variables	variable	NOUN
fsr-3174	118	13	can	can	AUX
fsr-3174	118	14	then	then	ADV
fsr-3174	118	15	be	be	AUX
fsr-3174	118	16	empirically	empirically	ADV
fsr-3174	118	17	tested	test	VERB
fsr-3174	118	18	,	,	PUNCT
fsr-3174	118	19	analogous	analogous	ADJ
fsr-3174	118	20	to	to	ADP
fsr-3174	118	21	the	the	DET
fsr-3174	118	22	case	case	NOUN
fsr-3174	118	23	of	of	ADP
fsr-3174	118	24	manifest	manifest	ADJ
fsr-3174	118	25	variables	variable	NOUN
fsr-3174	118	26	.	.	PUNCT
fsr-3174	119	1	for	for	ADP
fsr-3174	119	2	structural	structural	ADJ
fsr-3174	119	3	models	model	NOUN
fsr-3174	119	4	with	with	ADP
fsr-3174	119	5	latent	latent	NOUN
fsr-3174	119	6	variables	variable	NOUN
fsr-3174	119	7	,	,	PUNCT
fsr-3174	119	8	the	the	DET
fsr-3174	119	9	term	term	NOUN
fsr-3174	119	10	causal	causal	ADJ
fsr-3174	119	11	analysis	analysis	NOUN
fsr-3174	119	12	is	be	AUX
fsr-3174	119	13	also	also	ADV
fsr-3174	119	14	common	common	ADJ
fsr-3174	119	15	in	in	ADP
fsr-3174	119	16	the	the	DET
fsr-3174	119	17	literature	literature	NOUN
fsr-3174	119	18	(	(	PUNCT
fsr-3174	119	19	weiber	weiber	PROPN
fsr-3174	119	20	&	&	CCONJ
fsr-3174	119	21	mühlhaus	mühlhaus	PROPN
fsr-3174	119	22	,	,	PUNCT
fsr-3174	119	23	2014	2014	NUM
fsr-3174	119	24	)	)	PUNCT
fsr-3174	119	25	.	.	PUNCT
fsr-3174	120	1	the	the	DET
fsr-3174	120	2	sea	sea	NOUN
fsr-3174	120	3	with	with	ADP
fsr-3174	120	4	latent	latent	NOUN
fsr-3174	120	5	variables	variable	NOUN
fsr-3174	120	6	thus	thus	ADV
fsr-3174	120	7	consists	consist	VERB
fsr-3174	120	8	of	of	ADP
fsr-3174	120	9	three	three	NUM
fsr-3174	120	10	sub	sub	NOUN
fsr-3174	120	11	-	-	NOUN
fsr-3174	120	12	models	model	NOUN
fsr-3174	120	13	.	.	PUNCT
fsr-3174	121	1	3	3	NUM
fsr-3174	121	2	a	a	DET
fsr-3174	121	3	second	second	ADJ
fsr-3174	121	4	possibility	possibility	NOUN
fsr-3174	121	5	is	be	AUX
fsr-3174	121	6	to	to	PART
fsr-3174	121	7	fix	fix	VERB
fsr-3174	121	8	the	the	DET
fsr-3174	121	9	variance	variance	NOUN
fsr-3174	121	10	of	of	ADP
fsr-3174	121	11	a	a	DET
fsr-3174	121	12	latent	latent	NOUN
fsr-3174	121	13	variable	variable	NOUN
fsr-3174	121	14	to	to	ADP
fsr-3174	121	15	1	1	NUM
fsr-3174	121	16	.	.	PUNCT
fsr-3174	122	1	in	in	ADP
fsr-3174	122	2	our	our	PRON
fsr-3174	122	3	analysis	analysis	NOUN
fsr-3174	122	4	both	both	DET
fsr-3174	122	5	types	type	NOUN
fsr-3174	122	6	of	of	ADP
fsr-3174	122	7	metric	metric	ADJ
fsr-3174	122	8	determination	determination	NOUN
fsr-3174	122	9	lead	lead	VERB
fsr-3174	122	10	to	to	ADP
fsr-3174	122	11	at	at	ADV
fsr-3174	122	12	least	least	ADJ
fsr-3174	122	13	similar	similar	ADJ
fsr-3174	122	14	parameter	parameter	NOUN
fsr-3174	122	15	estimates	estimate	NOUN
fsr-3174	122	16	.	.	PUNCT
fsr-3174	123	1	hence	hence	ADV
fsr-3174	123	2	,	,	PUNCT
fsr-3174	123	3	it	it	PRON
fsr-3174	123	4	can	can	AUX
fsr-3174	123	5	be	be	AUX
fsr-3174	123	6	assumed	assume	VERB
fsr-3174	123	7	that	that	SCONJ
fsr-3174	123	8	the	the	DET
fsr-3174	123	9	(	(	PUNCT
fsr-3174	123	10	1	1	NUM
fsr-3174	123	11	)	)	PUNCT
fsr-3174	123	12	the	the	DET
fsr-3174	123	13	core	core	NOUN
fsr-3174	123	14	is	be	AUX
fsr-3174	123	15	the	the	DET
fsr-3174	123	16	structural	structural	ADJ
fsr-3174	123	17	model	model	NOUN
fsr-3174	123	18	,	,	PUNCT
fsr-3174	123	19	which	which	PRON
fsr-3174	123	20	represents	represent	VERB
fsr-3174	123	21	the	the	DET
fsr-3174	123	22	theoretically	theoretically	ADV
fsr-3174	123	23	assumed	assume	VERB
fsr-3174	123	24	relationships	relationship	NOUN
fsr-3174	123	25	between	between	ADP
fsr-3174	123	26	the	the	DET
fsr-3174	123	27	latent	latent	NOUN
fsr-3174	123	28	variables	variable	NOUN
fsr-3174	123	29	.	.	PUNCT
fsr-3174	124	1	here	here	ADV
fsr-3174	124	2	,	,	PUNCT
fsr-3174	124	3	the	the	DET
fsr-3174	124	4	endogenous	endogenous	ADJ
fsr-3174	124	5	variables	variable	NOUN
fsr-3174	124	6	are	be	AUX
fsr-3174	124	7	explained	explain	VERB
fsr-3174	124	8	by	by	ADP
fsr-3174	124	9	the	the	DET
fsr-3174	124	10	causal	causal	ADJ
fsr-3174	124	11	relationships	relationship	NOUN
fsr-3174	124	12	assumed	assume	VERB
fsr-3174	124	13	in	in	ADP
fsr-3174	124	14	the	the	DET
fsr-3174	124	15	model	model	NOUN
fsr-3174	124	16	,	,	PUNCT
fsr-3174	124	17	with	with	ADP
fsr-3174	124	18	the	the	DET
fsr-3174	124	19	exogenous	exogenous	ADJ
fsr-3174	124	20	variables	variable	NOUN
fsr-3174	124	21	serving	serve	VERB
fsr-3174	124	22	as	as	ADP
fsr-3174	124	23	explanatory	explanatory	ADJ
fsr-3174	124	24	variables	variable	NOUN
fsr-3174	124	25	,	,	PUNCT
fsr-3174	124	26	but	but	CCONJ
fsr-3174	124	27	not	not	PART
fsr-3174	124	28	themselves	themselves	PRON
fsr-3174	124	29	explained	explain	VERB
fsr-3174	124	30	by	by	ADP
fsr-3174	124	31	the	the	DET
fsr-3174	124	32	causal	causal	PROPN
fsr-3174	124	33	model	model	NOUN
fsr-3174	124	34	.	.	PUNCT
fsr-3174	125	1	(	(	PUNCT
fsr-3174	125	2	2	2	X
fsr-3174	125	3	)	)	PUNCT
fsr-3174	125	4	the	the	DET
fsr-3174	125	5	measurement	measurement	NOUN
fsr-3174	125	6	model	model	NOUN
fsr-3174	125	7	of	of	ADP
fsr-3174	125	8	the	the	DET
fsr-3174	125	9	latent	latent	NOUN
fsr-3174	125	10	exogenous	exogenous	ADJ
fsr-3174	125	11	variables	variable	NOUN
fsr-3174	125	12	contains	contain	VERB
fsr-3174	125	13	the	the	DET
fsr-3174	125	14	empirical	empirical	ADJ
fsr-3174	125	15	measurements	measurement	NOUN
fsr-3174	125	16	from	from	ADP
fsr-3174	125	17	the	the	DET
fsr-3174	125	18	operationalization	operationalization	NOUN
fsr-3174	125	19	of	of	ADP
fsr-3174	125	20	the	the	DET
fsr-3174	125	21	exogenous	exogenous	ADJ
fsr-3174	125	22	variables	variable	NOUN
fsr-3174	125	23	and	and	CCONJ
fsr-3174	125	24	reflects	reflect	VERB
fsr-3174	125	25	the	the	DET
fsr-3174	125	26	assumed	assumed	ADJ
fsr-3174	125	27	relationships	relationship	NOUN
fsr-3174	125	28	between	between	ADP
fsr-3174	125	29	the	the	DET
fsr-3174	125	30	measurements	measurement	NOUN
fsr-3174	125	31	and	and	CCONJ
fsr-3174	125	32	the	the	DET
fsr-3174	125	33	exogenous	exogenous	ADJ
fsr-3174	125	34	variables	variable	NOUN
fsr-3174	125	35	.	.	PUNCT
fsr-3174	126	1	(	(	PUNCT
fsr-3174	126	2	3	3	X
fsr-3174	126	3	)	)	PUNCT
fsr-3174	126	4	the	the	DET
fsr-3174	126	5	measurement	measurement	NOUN
fsr-3174	126	6	model	model	NOUN
fsr-3174	126	7	of	of	ADP
fsr-3174	126	8	the	the	DET
fsr-3174	126	9	latent	latent	NOUN
fsr-3174	126	10	endogenous	endogenous	ADJ
fsr-3174	126	11	variables	variable	NOUN
fsr-3174	126	12	contains	contain	VERB
fsr-3174	126	13	the	the	DET
fsr-3174	126	14	empirical	empirical	ADJ
fsr-3174	126	15	measurements	measurement	NOUN
fsr-3174	126	16	from	from	ADP
fsr-3174	126	17	the	the	DET
fsr-3174	126	18	operationalization	operationalization	NOUN
fsr-3174	126	19	of	of	ADP
fsr-3174	126	20	the	the	DET
fsr-3174	126	21	endogenous	endogenous	ADJ
fsr-3174	126	22	variables	variable	NOUN
fsr-3174	126	23	and	and	CCONJ
fsr-3174	126	24	reflects	reflect	VERB
fsr-3174	126	25	the	the	DET
fsr-3174	126	26	presumed	presume	VERB
fsr-3174	126	27	relationships	relationship	NOUN
fsr-3174	126	28	between	between	ADP
fsr-3174	126	29	these	these	DET
fsr-3174	126	30	measurements	measurement	NOUN
fsr-3174	126	31	and	and	CCONJ
fsr-3174	126	32	the	the	DET
fsr-3174	126	33	endogenous	endogenous	ADJ
fsr-3174	126	34	variables	variable	NOUN
fsr-3174	126	35	.	.	PUNCT
fsr-3174	127	1	accordingly	accordingly	ADV
fsr-3174	127	2	,	,	PUNCT
fsr-3174	127	3	the	the	DET
fsr-3174	127	4	relationships	relationship	NOUN
fsr-3174	127	5	discussed	discuss	VERB
fsr-3174	127	6	in	in	ADP
fsr-3174	127	7	the	the	DET
fsr-3174	127	8	literature	literature	NOUN
fsr-3174	127	9	review	review	NOUN
fsr-3174	127	10	are	be	AUX
fsr-3174	127	11	the	the	DET
fsr-3174	127	12	basis	basis	NOUN
fsr-3174	127	13	for	for	ADP
fsr-3174	127	14	our	our	PRON
fsr-3174	127	15	structural	structural	ADJ
fsr-3174	127	16	model	model	NOUN
fsr-3174	127	17	.	.	PUNCT
fsr-3174	128	1	the	the	DET
fsr-3174	128	2	two	two	NUM
fsr-3174	128	3	associated	associated	ADJ
fsr-3174	128	4	measurement	measurement	NOUN
fsr-3174	128	5	models	model	NOUN
fsr-3174	128	6	and	and	CCONJ
fsr-3174	128	7	the	the	DET
fsr-3174	128	8	variables	variable	NOUN
fsr-3174	128	9	within	within	ADP
fsr-3174	128	10	them	they	PRON
fsr-3174	128	11	are	be	AUX
fsr-3174	128	12	discussed	discuss	VERB
fsr-3174	128	13	in	in	ADP
fsr-3174	128	14	the	the	DET
fsr-3174	128	15	following	follow	VERB
fsr-3174	128	16	section	section	NOUN
fsr-3174	128	17	.	.	PUNCT
fsr-3174	129	1	we	we	PRON
fsr-3174	129	2	use	use	VERB
fsr-3174	129	3	amos	amos	PROPN
fsr-3174	129	4	29	29	NUM
fsr-3174	129	5	(	(	PUNCT
fsr-3174	129	6	arbuckle	arbuckle	PROPN
fsr-3174	129	7	,	,	PUNCT
fsr-3174	129	8	2019	2019	NUM
fsr-3174	129	9	;	;	PUNCT
fsr-3174	129	10	byrne	byrne	VERB
fsr-3174	129	11	,	,	PUNCT
fsr-3174	129	12	2016	2016	NUM
fsr-3174	129	13	)	)	PUNCT
fsr-3174	129	14	to	to	PART
fsr-3174	129	15	apply	apply	VERB
fsr-3174	129	16	the	the	DET
fsr-3174	129	17	structural	structural	ADJ
fsr-3174	129	18	equation	equation	NOUN
fsr-3174	129	19	model	model	NOUN
fsr-3174	129	20	.	.	PUNCT
fsr-3174	130	1	as	as	SCONJ
fsr-3174	130	2	widely	widely	ADV
fsr-3174	130	3	recommended	recommend	VERB
fsr-3174	130	4	in	in	ADP
fsr-3174	130	5	the	the	DET
fsr-3174	130	6	literature	literature	NOUN
fsr-3174	130	7	,	,	PUNCT
fsr-3174	130	8	we	we	PRON
fsr-3174	130	9	apply	apply	VERB
fsr-3174	130	10	the	the	DET
fsr-3174	130	11	maximum	maximum	ADJ
fsr-3174	130	12	-	-	PUNCT
fsr-3174	130	13	likelihood	likelihood	NOUN
fsr-3174	130	14	(	(	PUNCT
fsr-3174	130	15	ml	ml	NOUN
fsr-3174	130	16	)	)	PUNCT
fsr-3174	130	17	method	method	NOUN
fsr-3174	130	18	(	(	PUNCT
fsr-3174	130	19	e.g.	e.g.	ADV
fsr-3174	130	20	,	,	PUNCT
fsr-3174	130	21	backhaus	backhaus	PROPN
fsr-3174	130	22	et	et	PROPN
fsr-3174	130	23	al	al	PROPN
fsr-3174	130	24	.	.	PROPN
fsr-3174	130	25	,	,	PUNCT
fsr-3174	130	26	2015	2015	NUM
fsr-3174	130	27	;	;	PUNCT
fsr-3174	130	28	weiber	weiber	PROPN
fsr-3174	130	29	&	&	CCONJ
fsr-3174	130	30	mühlhaus	mühlhaus	PROPN
fsr-3174	130	31	,	,	PUNCT
fsr-3174	130	32	2014	2014	NUM
fsr-3174	130	33	;	;	PUNCT
fsr-3174	130	34	weston	weston	PROPN
fsr-3174	130	35	&	&	CCONJ
fsr-3174	130	36	gore	gore	PROPN
fsr-3174	130	37	,	,	PUNCT
fsr-3174	130	38	2006	2006	NUM
fsr-3174	130	39	)	)	PUNCT
fsr-3174	130	40	.	.	PUNCT
fsr-3174	131	1	byrne	byrne	PROPN
fsr-3174	131	2	(	(	PUNCT
fsr-3174	131	3	2001	2001	NUM
fsr-3174	131	4	)	)	PUNCT
fsr-3174	131	5	notes	note	VERB
fsr-3174	131	6	that	that	SCONJ
fsr-3174	131	7	amos	amos	PROPN
fsr-3174	131	8	automatically	automatically	ADV
fsr-3174	131	9	imposes	impose	VERB
fsr-3174	131	10	the	the	DET
fsr-3174	131	11	value	value	NOUN
fsr-3174	131	12	of	of	ADP
fsr-3174	131	13	one	one	NUM
fsr-3174	131	14	to	to	ADP
fsr-3174	131	15	the	the	DET
fsr-3174	131	16	first	first	ADJ
fsr-3174	131	17	of	of	ADP
fsr-3174	131	18	each	each	DET
fsr-3174	131	19	set	set	NOUN
fsr-3174	131	20	of	of	ADP
fsr-3174	131	21	factor	factor	NOUN
fsr-3174	131	22	loadings	loading	NOUN
fsr-3174	131	23	and	and	CCONJ
fsr-3174	131	24	to	to	ADP
fsr-3174	131	25	the	the	DET
fsr-3174	131	26	regression	regression	NOUN
fsr-3174	131	27	coefficients	coefficient	NOUN
fsr-3174	131	28	associated	associate	VERB
fsr-3174	131	29	with	with	ADP
fsr-3174	131	30	each	each	DET
fsr-3174	131	31	error	error	NOUN
fsr-3174	131	32	term	term	NOUN
fsr-3174	131	33	.	.	PUNCT
fsr-3174	132	1	accordingly	accordingly	ADV
fsr-3174	132	2	,	,	PUNCT
fsr-3174	132	3	they	they	PRON
fsr-3174	132	4	do	do	AUX
fsr-3174	132	5	not	not	PART
fsr-3174	132	6	estimate	estimate	VERB
fsr-3174	132	7	these	these	DET
fsr-3174	132	8	values	value	NOUN
fsr-3174	132	9	.	.	PUNCT
fsr-3174	133	1	byrne	byrne	PROPN
fsr-3174	133	2	(	(	PUNCT
fsr-3174	133	3	2001	2001	NUM
fsr-3174	133	4	)	)	PUNCT
fsr-3174	133	5	explains	explain	VERB
fsr-3174	133	6	that	that	SCONJ
fsr-3174	133	7	the	the	DET
fsr-3174	133	8	factor	factor	NOUN
fsr-3174	133	9	loadings	loading	NOUN
fsr-3174	133	10	set	set	VERB
fsr-3174	133	11	to	to	ADP
fsr-3174	133	12	a	a	DET
fsr-3174	133	13	value	value	NOUN
fsr-3174	133	14	of	of	ADP
fsr-3174	133	15	one	one	NUM
fsr-3174	133	16	address	address	NOUN
fsr-3174	133	17	the	the	DET
fsr-3174	133	18	issues	issue	NOUN
fsr-3174	133	19	of	of	ADP
fsr-3174	133	20	model	model	NOUN
fsr-3174	133	21	identification	identification	NOUN
fsr-3174	133	22	and	and	CCONJ
fsr-3174	133	23	the	the	DET
fsr-3174	133	24	scaling	scaling	NOUN
fsr-3174	133	25	of	of	ADP
fsr-3174	133	26	the	the	DET
fsr-3174	133	27	unobserved	unobserved	ADJ
fsr-3174	133	28	factors	factor	NOUN
fsr-3174	133	29	,	,	PUNCT
fsr-3174	133	30	while	while	SCONJ
fsr-3174	133	31	those	those	PRON
fsr-3174	133	32	associated	associate	VERB
fsr-3174	133	33	with	with	ADP
fsr-3174	133	34	the	the	DET
fsr-3174	133	35	error	error	NOUN
fsr-3174	133	36	terms	term	NOUN
fsr-3174	133	37	represent	represent	VERB
fsr-3174	133	38	values	value	NOUN
fsr-3174	133	39	that	that	PRON
fsr-3174	133	40	are	be	AUX
fsr-3174	133	41	considered	consider	VERB
fsr-3174	133	42	to	to	PART
fsr-3174	133	43	be	be	AUX
fsr-3174	133	44	known	know	VERB
fsr-3174	133	45	(	(	PUNCT
fsr-3174	133	46	see	see	VERB
fsr-3174	133	47	backhaus	backhaus	NOUN
fsr-3174	133	48	et	et	PROPN
fsr-3174	133	49	al	al	PROPN
fsr-3174	133	50	.	.	PROPN
fsr-3174	133	51	,	,	PUNCT
fsr-3174	133	52	2015	2015	NUM
fsr-3174	133	53	;	;	PUNCT
fsr-3174	133	54	weston	weston	PROPN
fsr-3174	133	55	&	&	CCONJ
fsr-3174	133	56	gore	gore	PROPN
fsr-3174	133	57	,	,	PUNCT
fsr-3174	133	58	2006).3	2006).3	DET
fsr-3174	133	59	parameter	parameter	NOUN
fsr-3174	133	60	estimates	estimate	NOUN
fsr-3174	133	61	also	also	ADV
fsr-3174	133	62	provide	provide	VERB
fsr-3174	133	63	reliable	reliable	ADJ
fsr-3174	133	64	measurements	measurement	NOUN
fsr-3174	133	65	of	of	ADP
fsr-3174	133	66	the	the	DET
fsr-3174	133	67	unobservable	unobservable	ADJ
fsr-3174	133	68	variables	variable	NOUN
fsr-3174	133	69	(	(	PUNCT
fsr-3174	133	70	byrne	byrne	ADJ
fsr-3174	133	71	,	,	PUNCT
fsr-3174	133	72	2001	2001	NUM
fsr-3174	133	73	;	;	PUNCT
fsr-3174	133	74	weiber	weiber	PROPN
fsr-3174	133	75	and	and	CCONJ
fsr-3174	133	76	mühlhaus	mühlhaus	PROPN
fsr-3174	133	77	,	,	PUNCT
fsr-3174	133	78	2014	2014	NUM
fsr-3174	133	79	)	)	PUNCT
fsr-3174	133	80	.	.	PUNCT
fsr-3174	134	1	for	for	ADP
fsr-3174	134	2	the	the	DET
fsr-3174	134	3	single	single	ADJ
fsr-3174	134	4	-	-	PUNCT
fsr-3174	134	5	item	item	NOUN
fsr-3174	134	6	constructs	construct	NOUN
fsr-3174	134	7	it	it	PRON
fsr-3174	134	8	is	be	AUX
fsr-3174	134	9	assumed	assume	VERB
fsr-3174	134	10	that	that	SCONJ
fsr-3174	134	11	the	the	DET
fsr-3174	134	12	financial	financial	ADJ
fsr-3174	134	13	services	service	NOUN
fsr-3174	134	14	review	review	NOUN
fsr-3174	134	15	,	,	PUNCT
fsr-3174	134	16	31(4	31(4	NUM
fsr-3174	134	17	)	)	PUNCT
fsr-3174	134	18	288	288	NUM
fsr-3174	134	19	as	as	SCONJ
fsr-3174	134	20	recommended	recommend	VERB
fsr-3174	134	21	in	in	ADP
fsr-3174	134	22	the	the	DET
fsr-3174	134	23	literature	literature	NOUN
fsr-3174	134	24	,	,	PUNCT
fsr-3174	134	25	we	we	PRON
fsr-3174	134	26	examine	examine	VERB
fsr-3174	134	27	the	the	DET
fsr-3174	134	28	standardized	standardized	ADJ
fsr-3174	134	29	estimates	estimate	NOUN
fsr-3174	134	30	as	as	SCONJ
fsr-3174	134	31	they	they	PRON
fsr-3174	134	32	are	be	AUX
fsr-3174	134	33	considered	consider	VERB
fsr-3174	134	34	most	most	ADV
fsr-3174	134	35	informative	informative	ADJ
fsr-3174	134	36	.	.	PUNCT
fsr-3174	135	1	because	because	SCONJ
fsr-3174	135	2	different	different	ADJ
fsr-3174	135	3	variables	variable	NOUN
fsr-3174	135	4	may	may	AUX
fsr-3174	135	5	have	have	VERB
fsr-3174	135	6	different	different	ADJ
fsr-3174	135	7	scales	scale	NOUN
fsr-3174	135	8	,	,	PUNCT
fsr-3174	135	9	determining	determine	VERB
fsr-3174	135	10	which	which	DET
fsr-3174	135	11	variable	variable	NOUN
fsr-3174	135	12	has	have	VERB
fsr-3174	135	13	the	the	DET
fsr-3174	135	14	greatest	great	ADJ
fsr-3174	135	15	effect	effect	NOUN
fsr-3174	135	16	can	can	AUX
fsr-3174	135	17	only	only	ADV
fsr-3174	135	18	be	be	AUX
fsr-3174	135	19	done	do	VERB
fsr-3174	135	20	by	by	ADP
fsr-3174	135	21	comparing	compare	VERB
fsr-3174	135	22	the	the	DET
fsr-3174	135	23	standardized	standardized	ADJ
fsr-3174	135	24	parameter	parameter	NOUN
fsr-3174	135	25	estimates	estimate	NOUN
fsr-3174	135	26	(	(	PUNCT
fsr-3174	135	27	backhaus	backhaus	PROPN
fsr-3174	135	28	et	et	PROPN
fsr-3174	135	29	al	al	PROPN
fsr-3174	135	30	.	.	PROPN
fsr-3174	135	31	,	,	PUNCT
fsr-3174	135	32	2015	2015	NUM
fsr-3174	135	33	;	;	PUNCT
fsr-3174	135	34	weston	weston	PROPN
fsr-3174	135	35	&	&	CCONJ
fsr-3174	135	36	gore	gore	PROPN
fsr-3174	135	37	,	,	PUNCT
fsr-3174	135	38	2006	2006	NUM
fsr-3174	135	39	)	)	PUNCT
fsr-3174	135	40	.	.	PUNCT
fsr-3174	136	1	we	we	PRON
fsr-3174	136	2	use	use	VERB
fsr-3174	136	3	the	the	DET
fsr-3174	136	4	standardized	standardized	ADJ
fsr-3174	136	5	total	total	ADJ
fsr-3174	136	6	effects	effect	NOUN
fsr-3174	136	7	in	in	ADP
fsr-3174	136	8	general	general	ADJ
fsr-3174	136	9	and	and	CCONJ
fsr-3174	136	10	differentiate	differentiate	VERB
fsr-3174	136	11	between	between	ADP
fsr-3174	136	12	the	the	DET
fsr-3174	136	13	direct	direct	ADJ
fsr-3174	136	14	and	and	CCONJ
fsr-3174	136	15	the	the	DET
fsr-3174	136	16	indirect	indirect	ADJ
fsr-3174	136	17	effects	effect	NOUN
fsr-3174	136	18	for	for	ADP
fsr-3174	136	19	some	some	DET
fsr-3174	136	20	variables	variable	NOUN
fsr-3174	136	21	.	.	PUNCT
fsr-3174	137	1	to	to	PART
fsr-3174	137	2	evaluate	evaluate	VERB
fsr-3174	137	3	the	the	DET
fsr-3174	137	4	goodness	goodness	NOUN
fsr-3174	137	5	-	-	PUNCT
fsr-3174	137	6	of	of	ADP
fsr-3174	137	7	-	-	PUNCT
fsr-3174	137	8	fit	fit	NOUN
fsr-3174	137	9	between	between	ADP
fsr-3174	137	10	the	the	DET
fsr-3174	137	11	hypothesized	hypothesized	ADJ
fsr-3174	137	12	model	model	NOUN
fsr-3174	137	13	and	and	CCONJ
fsr-3174	137	14	the	the	DET
fsr-3174	137	15	sample	sample	NOUN
fsr-3174	137	16	data	datum	NOUN
fsr-3174	137	17	,	,	PUNCT
fsr-3174	137	18	we	we	PRON
fsr-3174	137	19	calculate	calculate	VERB
fsr-3174	137	20	several	several	ADJ
fsr-3174	137	21	fit	fit	ADJ
fsr-3174	137	22	indexes	index	NOUN
fsr-3174	137	23	.	.	PUNCT
fsr-3174	138	1	as	as	SCONJ
fsr-3174	138	2	recommended	recommend	VERB
fsr-3174	138	3	in	in	ADP
fsr-3174	138	4	the	the	DET
fsr-3174	138	5	literature	literature	NOUN
fsr-3174	138	6	,	,	PUNCT
fsr-3174	138	7	we	we	PRON
fsr-3174	138	8	use	use	VERB
fsr-3174	138	9	the	the	DET
fsr-3174	138	10	root	root	NOUN
fsr-3174	138	11	mean	mean	ADJ
fsr-3174	138	12	square	square	ADJ
fsr-3174	138	13	error	error	NOUN
fsr-3174	138	14	of	of	ADP
fsr-3174	138	15	approximation	approximation	NOUN
fsr-3174	138	16	(	(	PUNCT
fsr-3174	138	17	rmsea	rmsea	NOUN
fsr-3174	138	18	)	)	PUNCT
fsr-3174	138	19	;	;	PUNCT
fsr-3174	138	20	the	the	DET
fsr-3174	138	21	standardized	standardized	ADJ
fsr-3174	138	22	root	root	NOUN
fsr-3174	138	23	mean	mean	NOUN
fsr-3174	138	24	square	square	ADJ
fsr-3174	138	25	residual	residual	ADJ
fsr-3174	138	26	(	(	PUNCT
fsr-3174	138	27	srmr	srmr	PROPN
fsr-3174	138	28	)	)	PUNCT
fsr-3174	138	29	;	;	PUNCT
fsr-3174	138	30	the	the	DET
fsr-3174	138	31	adjusted	adjust	VERB
fsr-3174	138	32	goodness	goodness	NOUN
fsr-3174	138	33	-	-	PUNCT
fsr-3174	138	34	of	of	ADP
fsr-3174	138	35	-	-	PUNCT
fsr-3174	138	36	fit	fit	NOUN
fsr-3174	138	37	index	index	NOUN
fsr-3174	138	38	(	(	PUNCT
fsr-3174	138	39	agfi	agfi	PROPN
fsr-3174	138	40	)	)	PUNCT
fsr-3174	138	41	,	,	PUNCT
fsr-3174	138	42	the	the	DET
fsr-3174	138	43	incremental	incremental	ADJ
fsr-3174	138	44	-	-	PUNCT
fsr-3174	138	45	fit	fit	NOUN
fsr-3174	138	46	index	index	NOUN
fsr-3174	138	47	(	(	PUNCT
fsr-3174	138	48	ifi	ifi	PROPN
fsr-3174	138	49	)	)	PUNCT
fsr-3174	138	50	,	,	PUNCT
fsr-3174	138	51	and	and	CCONJ
fsr-3174	138	52	the	the	DET
fsr-3174	138	53	comparative	comparative	ADJ
fsr-3174	138	54	-	-	PUNCT
fsr-3174	138	55	fit	fit	NOUN
fsr-3174	138	56	index	index	NOUN
fsr-3174	138	57	(	(	PUNCT
fsr-3174	138	58	cfi	cfi	PROPN
fsr-3174	138	59	)	)	PUNCT
fsr-3174	138	60	for	for	ADP
fsr-3174	138	61	baseline	baseline	ADJ
fsr-3174	138	62	comparisons	comparison	NOUN
fsr-3174	138	63	between	between	ADP
fsr-3174	138	64	the	the	DET
fsr-3174	138	65	default	default	NOUN
fsr-3174	138	66	model	model	NOUN
fsr-3174	138	67	and	and	CCONJ
fsr-3174	138	68	independence	independence	NOUN
fsr-3174	138	69	model	model	NOUN
fsr-3174	138	70	(	(	PUNCT
fsr-3174	138	71	see	see	VERB
fsr-3174	138	72	backhaus	backhaus	NOUN
fsr-3174	138	73	et	et	PROPN
fsr-3174	138	74	al	al	PROPN
fsr-3174	138	75	.	.	PROPN
fsr-3174	138	76	,	,	PUNCT
fsr-3174	138	77	2015	2015	NUM
fsr-3174	138	78	;	;	PUNCT
fsr-3174	138	79	browne	browne	PROPN
fsr-3174	138	80	&	&	CCONJ
fsr-3174	138	81	cudeck	cudeck	PROPN
fsr-3174	138	82	,	,	PUNCT
fsr-3174	138	83	1993	1993	NUM
fsr-3174	138	84	;	;	PUNCT
fsr-3174	138	85	byrne	byrne	VERB
fsr-3174	138	86	,	,	PUNCT
fsr-3174	138	87	1989	1989	NUM
fsr-3174	138	88	;	;	PUNCT
fsr-3174	138	89	byrne	byrne	VERB
fsr-3174	138	90	,	,	PUNCT
fsr-3174	138	91	2016	2016	NUM
fsr-3174	138	92	;	;	PUNCT
fsr-3174	138	93	hair	hair	NOUN
fsr-3174	138	94	et	et	PROPN
fsr-3174	138	95	al	al	PROPN
fsr-3174	138	96	.	.	PROPN
fsr-3174	138	97	,	,	PUNCT
fsr-3174	138	98	2010	2010	NUM
fsr-3174	138	99	;	;	PUNCT
fsr-3174	138	100	haughton	haughton	PROPN
fsr-3174	138	101	et	et	PROPN
fsr-3174	138	102	al	al	PROPN
fsr-3174	138	103	.	.	PROPN
fsr-3174	138	104	,	,	PUNCT
fsr-3174	138	105	1997	1997	NUM
fsr-3174	138	106	;	;	PUNCT
fsr-3174	138	107	hu	hu	PROPN
fsr-3174	138	108	&	&	CCONJ
fsr-3174	138	109	bentler	bentler	PROPN
fsr-3174	138	110	,	,	PUNCT
fsr-3174	138	111	1999	1999	NUM
fsr-3174	138	112	;	;	PUNCT
fsr-3174	138	113	maccallum	maccallum	PROPN
fsr-3174	138	114	et	et	PROPN
fsr-3174	138	115	al	al	PROPN
fsr-3174	138	116	.	.	PROPN
fsr-3174	138	117	,	,	PUNCT
fsr-3174	138	118	1996	1996	NUM
fsr-3174	138	119	;	;	PUNCT
fsr-3174	138	120	schermelleh	schermelleh	NOUN
fsr-3174	138	121	-	-	PUNCT
fsr-3174	138	122	engel	engel	PROPN
fsr-3174	138	123	et	et	PROPN
fsr-3174	138	124	al	al	PROPN
fsr-3174	138	125	.	.	PROPN
fsr-3174	138	126	,	,	PUNCT
fsr-3174	138	127	2003	2003	NUM
fsr-3174	138	128	;	;	PUNCT
fsr-3174	138	129	weston	weston	PROPN
fsr-3174	138	130	&	&	CCONJ
fsr-3174	138	131	gore	gore	PROPN
fsr-3174	138	132	,	,	PUNCT
fsr-3174	138	133	2006	2006	NUM
fsr-3174	138	134	;	;	PUNCT
fsr-3174	138	135	weiber	weiber	PROPN
fsr-3174	138	136	&	&	CCONJ
fsr-3174	138	137	mühlhaus	mühlhaus	PROPN
fsr-3174	138	138	,	,	PUNCT
fsr-3174	138	139	2014	2014	NUM
fsr-3174	138	140	)	)	PUNCT
fsr-3174	138	141	.	.	PUNCT
fsr-3174	139	1	according	accord	VERB
fsr-3174	139	2	to	to	ADP
fsr-3174	139	3	the	the	DET
fsr-3174	139	4	literature	literature	NOUN
fsr-3174	139	5	,	,	PUNCT
fsr-3174	139	6	the	the	DET
fsr-3174	139	7	two	two	NUM
fsr-3174	139	8	main	main	ADJ
fsr-3174	139	9	indexes	index	NOUN
fsr-3174	139	10	are	be	AUX
fsr-3174	139	11	the	the	DET
fsr-3174	139	12	rmsea	rmsea	NOUN
fsr-3174	139	13	and	and	CCONJ
fsr-3174	139	14	the	the	DET
fsr-3174	139	15	srmr	srmr	NOUN
fsr-3174	139	16	.	.	PUNCT
fsr-3174	140	1	as	as	ADP
fsr-3174	140	2	an	an	DET
fsr-3174	140	3	index	index	NOUN
fsr-3174	140	4	of	of	ADP
fsr-3174	140	5	fit	fit	ADJ
fsr-3174	140	6	,	,	PUNCT
fsr-3174	140	7	rmsea	rmsea	NOUN
fsr-3174	140	8	corrects	correct	NOUN
fsr-3174	140	9	for	for	ADP
fsr-3174	140	10	a	a	DET
fsr-3174	140	11	model	model	NOUN
fsr-3174	140	12	’s	’s	PART
fsr-3174	140	13	complexity	complexity	NOUN
fsr-3174	140	14	.	.	PUNCT
fsr-3174	141	1	as	as	ADP
fsr-3174	141	2	a	a	DET
fsr-3174	141	3	result	result	NOUN
fsr-3174	141	4	,	,	PUNCT
fsr-3174	141	5	when	when	SCONJ
fsr-3174	141	6	two	two	NUM
fsr-3174	141	7	models	model	NOUN
fsr-3174	141	8	explain	explain	VERB
fsr-3174	141	9	the	the	DET
fsr-3174	141	10	observed	observe	VERB
fsr-3174	141	11	data	datum	NOUN
fsr-3174	141	12	equally	equally	ADV
fsr-3174	141	13	well	well	ADV
fsr-3174	141	14	,	,	PUNCT
fsr-3174	141	15	the	the	DET
fsr-3174	141	16	simpler	simple	ADJ
fsr-3174	141	17	model	model	NOUN
fsr-3174	141	18	will	will	AUX
fsr-3174	141	19	have	have	VERB
fsr-3174	141	20	the	the	DET
fsr-3174	141	21	more	more	ADV
fsr-3174	141	22	favorable	favorable	ADJ
fsr-3174	141	23	rmsea	rmsea	NOUN
fsr-3174	141	24	value	value	NOUN
fsr-3174	141	25	.	.	PUNCT
fsr-3174	142	1	a	a	DET
fsr-3174	142	2	rmsea	rmsea	NOUN
fsr-3174	142	3	value	value	NOUN
fsr-3174	142	4	of	of	ADP
fsr-3174	142	5	zero	zero	NUM
fsr-3174	142	6	indicates	indicate	VERB
fsr-3174	142	7	that	that	SCONJ
fsr-3174	142	8	the	the	DET
fsr-3174	142	9	model	model	NOUN
fsr-3174	142	10	fits	fit	VERB
fsr-3174	142	11	the	the	DET
fsr-3174	142	12	data	datum	NOUN
fsr-3174	142	13	exactly	exactly	ADV
fsr-3174	142	14	.	.	PUNCT
fsr-3174	143	1	weston	weston	PROPN
fsr-3174	143	2	and	and	CCONJ
fsr-3174	143	3	gore	gore	PROPN
fsr-3174	143	4	(	(	PUNCT
fsr-3174	143	5	2006	2006	NUM
fsr-3174	143	6	)	)	PUNCT
fsr-3174	143	7	suggest	suggest	VERB
fsr-3174	143	8	using	use	VERB
fsr-3174	143	9	the	the	DET
fsr-3174	143	10	90	90	NUM
fsr-3174	143	11	%	%	NOUN
fsr-3174	143	12	ci	ci	NOUN
fsr-3174	143	13	(	(	PUNCT
fsr-3174	143	14	confidence	confidence	NOUN
fsr-3174	143	15	interval	interval	NOUN
fsr-3174	143	16	)	)	PUNCT
fsr-3174	143	17	for	for	ADP
fsr-3174	143	18	the	the	DET
fsr-3174	143	19	rmsea	rmsea	NOUN
fsr-3174	143	20	that	that	PRON
fsr-3174	143	21	incorporates	incorporate	VERB
fsr-3174	143	22	the	the	DET
fsr-3174	143	23	sampling	sampling	NOUN
fsr-3174	143	24	error	error	NOUN
fsr-3174	143	25	associated	associate	VERB
fsr-3174	143	26	with	with	ADP
fsr-3174	143	27	the	the	DET
fsr-3174	143	28	estimated	estimate	VERB
fsr-3174	143	29	rmsea	rmsea	NOUN
fsr-3174	143	30	.	.	PUNCT
fsr-3174	144	1	the	the	DET
fsr-3174	144	2	srmr	srmr	PROPN
fsr-3174	144	3	index	index	NOUN
fsr-3174	144	4	is	be	AUX
fsr-3174	144	5	based	base	VERB
fsr-3174	144	6	on	on	ADP
fsr-3174	144	7	covariance	covariance	NOUN
fsr-3174	144	8	residuals	residual	NOUN
fsr-3174	144	9	in	in	ADP
fsr-3174	144	10	which	which	PRON
fsr-3174	144	11	smaller	small	ADJ
fsr-3174	144	12	values	value	NOUN
fsr-3174	144	13	indicate	indicate	VERB
fsr-3174	144	14	a	a	DET
fsr-3174	144	15	better	well	ADJ
fsr-3174	144	16	fit	fit	NOUN
fsr-3174	144	17	.	.	PUNCT
fsr-3174	145	1	the	the	DET
fsr-3174	145	2	srmr	srmr	PROPN
fsr-3174	145	3	is	be	AUX
fsr-3174	145	4	a	a	DET
fsr-3174	145	5	summary	summary	NOUN
fsr-3174	145	6	of	of	ADP
fsr-3174	145	7	how	how	SCONJ
fsr-3174	145	8	much	much	ADJ
fsr-3174	145	9	difference	difference	NOUN
fsr-3174	145	10	exists	exist	VERB
fsr-3174	145	11	between	between	ADP
fsr-3174	145	12	the	the	DET
fsr-3174	145	13	observed	observe	VERB
fsr-3174	145	14	data	datum	NOUN
fsr-3174	145	15	and	and	CCONJ
fsr-3174	145	16	the	the	DET
fsr-3174	145	17	model	model	NOUN
fsr-3174	145	18	.	.	PUNCT
fsr-3174	146	1	indicator	indicator	NOUN
fsr-3174	146	2	can	can	AUX
fsr-3174	146	3	measure	measure	VERB
fsr-3174	146	4	the	the	DET
fsr-3174	146	5	construct	construct	NOUN
fsr-3174	146	6	without	without	ADP
fsr-3174	146	7	error	error	NOUN
fsr-3174	146	8	,	,	PUNCT
fsr-3174	146	9	which	which	PRON
fsr-3174	146	10	is	be	AUX
fsr-3174	146	11	why	why	SCONJ
fsr-3174	146	12	the	the	DET
fsr-3174	146	13	variance	variance	NOUN
fsr-3174	146	14	of	of	ADP
fsr-3174	146	15	the	the	DET
fsr-3174	146	16	associated	associate	VERB
fsr-3174	146	17	error	error	NOUN
fsr-3174	146	18	variable	variable	NOUN
fsr-3174	146	19	is	be	AUX
fsr-3174	146	20	fixed	fix	VERB
fsr-3174	146	21	at	at	ADP
fsr-3174	146	22	a	a	DET
fsr-3174	146	23	value	value	NOUN
fsr-3174	146	24	of	of	ADP
fsr-3174	146	25	0	0	NUM
fsr-3174	146	26	(	(	PUNCT
fsr-3174	146	27	byrne	byrne	ADJ
fsr-3174	146	28	,	,	PUNCT
fsr-3174	146	29	2001	2001	NUM
fsr-3174	146	30	;	;	PUNCT
fsr-3174	146	31	weiber	weiber	PROPN
fsr-3174	146	32	&	&	CCONJ
fsr-3174	146	33	mühlhaus	mühlhaus	PROPN
fsr-3174	146	34	,	,	PUNCT
fsr-3174	146	35	2014	2014	NUM
fsr-3174	146	36	)	)	PUNCT
fsr-3174	146	37	.	.	PUNCT
fsr-3174	147	1	single	single	ADJ
fsr-3174	147	2	-	-	PUNCT
fsr-3174	147	3	item	item	NOUN
fsr-3174	147	4	constructs	construct	NOUN
fsr-3174	147	5	:	:	PUNCT
fsr-3174	147	6	variables	variable	NOUN
fsr-3174	147	7	and	and	CCONJ
fsr-3174	147	8	hypotheses	hypothesis	NOUN
fsr-3174	147	9	for	for	ADP
fsr-3174	147	10	the	the	DET
fsr-3174	147	11	structural	structural	ADJ
fsr-3174	147	12	equation	equation	NOUN
fsr-3174	147	13	analysis	analysis	NOUN
fsr-3174	147	14	dependent	dependent	ADJ
fsr-3174	147	15	variables	variable	NOUN
fsr-3174	147	16	in	in	ADP
fsr-3174	147	17	the	the	DET
fsr-3174	147	18	structural	structural	ADJ
fsr-3174	147	19	model	model	NOUN
fsr-3174	147	20	and	and	CCONJ
fsr-3174	147	21	measurement	measurement	NOUN
fsr-3174	147	22	concepts	concept	VERB
fsr-3174	147	23	a	a	DET
fsr-3174	147	24	sea	sea	NOUN
fsr-3174	147	25	,	,	PUNCT
fsr-3174	147	26	unlike	unlike	ADP
fsr-3174	147	27	a	a	DET
fsr-3174	147	28	ra	ra	NOUN
fsr-3174	147	29	,	,	PUNCT
fsr-3174	147	30	allows	allow	VERB
fsr-3174	147	31	individual	individual	ADJ
fsr-3174	147	32	variables	variable	NOUN
fsr-3174	147	33	in	in	ADP
fsr-3174	147	34	the	the	DET
fsr-3174	147	35	different	different	ADJ
fsr-3174	147	36	hypotheses	hypothesis	NOUN
fsr-3174	147	37	to	to	PART
fsr-3174	147	38	be	be	AUX
fsr-3174	147	39	both	both	CCONJ
fsr-3174	147	40	independent	independent	ADJ
fsr-3174	147	41	and	and	CCONJ
fsr-3174	147	42	dependent	dependent	ADJ
fsr-3174	147	43	variables	variable	NOUN
fsr-3174	147	44	.	.	PUNCT
fsr-3174	148	1	these	these	DET
fsr-3174	148	2	variables	variable	NOUN
fsr-3174	148	3	are	be	AUX
fsr-3174	148	4	also	also	ADV
fsr-3174	148	5	referred	refer	VERB
fsr-3174	148	6	to	to	ADP
fsr-3174	148	7	as	as	ADP
fsr-3174	148	8	intervening	intervene	VERB
fsr-3174	148	9	variables	variable	NOUN
fsr-3174	148	10	.	.	PUNCT
fsr-3174	149	1	in	in	ADP
fsr-3174	149	2	our	our	PRON
fsr-3174	149	3	analysis	analysis	NOUN
fsr-3174	149	4	,	,	PUNCT
fsr-3174	149	5	the	the	DET
fsr-3174	149	6	variables	variable	NOUN
fsr-3174	149	7	risk	risk	NOUN
fsr-3174	149	8	attitude	attitude	NOUN
fsr-3174	149	9	and	and	CCONJ
fsr-3174	149	10	financial	financial	ADJ
fsr-3174	149	11	literacy	literacy	NOUN
fsr-3174	149	12	act	act	NOUN
fsr-3174	149	13	as	as	ADP
fsr-3174	149	14	intervening	intervene	VERB
fsr-3174	149	15	variables	variable	NOUN
fsr-3174	149	16	between	between	ADP
fsr-3174	149	17	the	the	DET
fsr-3174	149	18	independent	independent	ADJ
fsr-3174	149	19	and	and	CCONJ
fsr-3174	149	20	exogenous	exogenous	ADJ
fsr-3174	149	21	variables	variable	NOUN
fsr-3174	149	22	and	and	CCONJ
fsr-3174	149	23	the	the	DET
fsr-3174	149	24	main	main	ADJ
fsr-3174	149	25	dependent	dependent	ADJ
fsr-3174	149	26	variable	variable	ADJ
fsr-3174	149	27	cmp	cmp	NOUN
fsr-3174	149	28	.	.	PUNCT
fsr-3174	150	1	capital	capital	NOUN
fsr-3174	150	2	market	market	NOUN
fsr-3174	150	3	participation	participation	NOUN
fsr-3174	150	4	the	the	DET
fsr-3174	150	5	main	main	ADJ
fsr-3174	150	6	dependent	dependent	ADJ
fsr-3174	150	7	variable	variable	NOUN
fsr-3174	150	8	,	,	PUNCT
fsr-3174	150	9	capital	capital	NOUN
fsr-3174	150	10	market	market	NOUN
fsr-3174	150	11	participation	participation	NOUN
fsr-3174	150	12	(	(	PUNCT
fsr-3174	150	13	cmp	cmp	NOUN
fsr-3174	150	14	)	)	PUNCT
fsr-3174	150	15	,	,	PUNCT
fsr-3174	150	16	comprises	comprise	VERB
fsr-3174	150	17	the	the	DET
fsr-3174	150	18	following	follow	VERB
fsr-3174	150	19	wealth	wealth	NOUN
fsr-3174	150	20	positions	position	NOUN
fsr-3174	150	21	of	of	ADP
fsr-3174	150	22	a	a	DET
fsr-3174	150	23	household	household	NOUN
fsr-3174	150	24	(	(	PUNCT
fsr-3174	150	25	phf	phf	NOUN
fsr-3174	150	26	survey	survey	NOUN
fsr-3174	150	27	team	team	NOUN
fsr-3174	150	28	,	,	PUNCT
fsr-3174	150	29	2019b	2019b	NUM
fsr-3174	150	30	,	,	PUNCT
fsr-3174	150	31	pp	pp	ADJ
fsr-3174	150	32	.	.	PUNCT
fsr-3174	151	1	4	4	NUM
fsr-3174	151	2	-	-	SYM
fsr-3174	151	3	5	5	NUM
fsr-3174	151	4	):	):	PUNCT
fsr-3174	151	5	mutual	mutual	ADJ
fsr-3174	151	6	funds	fund	NOUN
fsr-3174	151	7	,	,	PUNCT
fsr-3174	151	8	bonds	bond	NOUN
fsr-3174	151	9	,	,	PUNCT
fsr-3174	151	10	publicly	publicly	ADV
fsr-3174	151	11	traded	trade	VERB
fsr-3174	151	12	shares	share	NOUN
fsr-3174	151	13	(	(	PUNCT
fsr-3174	151	14	bucciol	bucciol	NOUN
fsr-3174	151	15	et	et	PROPN
fsr-3174	151	16	al	al	PROPN
fsr-3174	151	17	.	.	PROPN
fsr-3174	151	18	,	,	PUNCT
fsr-3174	151	19	2019	2019	NUM
fsr-3174	151	20	;	;	PUNCT
fsr-3174	151	21	calvet	calvet	NOUN
fsr-3174	151	22	&	&	CCONJ
fsr-3174	151	23	sodini	sodini	PROPN
fsr-3174	151	24	,	,	PUNCT
fsr-3174	151	25	2014	2014	NUM
fsr-3174	151	26	;	;	PUNCT
fsr-3174	151	27	calvet	calvet	NOUN
fsr-3174	151	28	et	et	PROPN
fsr-3174	151	29	al	al	PROPN
fsr-3174	151	30	.	.	PROPN
fsr-3174	151	31	,	,	PUNCT
fsr-3174	151	32	2007	2007	NUM
fsr-3174	151	33	;	;	PUNCT
fsr-3174	151	34	halko	halko	ADV
fsr-3174	151	35	et	et	PROPN
fsr-3174	151	36	al	al	PROPN
fsr-3174	151	37	.	.	PROPN
fsr-3174	151	38	,	,	PUNCT
fsr-3174	151	39	2012	2012	NUM
fsr-3174	151	40	)	)	PUNCT
fsr-3174	151	41	.	.	PUNCT
fsr-3174	152	1	hence	hence	ADV
fsr-3174	152	2	,	,	PUNCT
fsr-3174	152	3	we	we	PRON
fsr-3174	152	4	widen	widen	VERB
fsr-3174	152	5	the	the	DET
fsr-3174	152	6	scope	scope	NOUN
fsr-3174	152	7	of	of	ADP
fsr-3174	152	8	previous	previous	ADJ
fsr-3174	152	9	studies	study	NOUN
fsr-3174	152	10	and	and	CCONJ
fsr-3174	152	11	focus	focus	VERB
fsr-3174	152	12	not	not	PART
fsr-3174	152	13	only	only	ADV
fsr-3174	152	14	on	on	ADP
fsr-3174	152	15	stock	stock	NOUN
fsr-3174	152	16	market	market	NOUN
fsr-3174	152	17	participation	participation	NOUN
fsr-3174	152	18	.	.	PUNCT
fsr-3174	153	1	in	in	ADP
fsr-3174	153	2	order	order	NOUN
fsr-3174	153	3	to	to	PART
fsr-3174	153	4	cover	cover	VERB
fsr-3174	153	5	the	the	DET
fsr-3174	153	6	participation	participation	NOUN
fsr-3174	153	7	in	in	ADP
fsr-3174	153	8	that	that	DET
fsr-3174	153	9	three	three	NUM
fsr-3174	153	10	main	main	ADJ
fsr-3174	153	11	categories	category	NOUN
fsr-3174	153	12	of	of	ADP
fsr-3174	153	13	capital	capital	NOUN
fsr-3174	153	14	market	market	NOUN
fsr-3174	153	15	assets	asset	NOUN
fsr-3174	153	16	,	,	PUNCT
fsr-3174	153	17	we	we	PRON
fsr-3174	153	18	define	define	VERB
fsr-3174	153	19	dummy	dummy	ADJ
fsr-3174	153	20	variables	variable	NOUN
fsr-3174	153	21	for	for	ADP
fsr-3174	153	22	the	the	DET
fsr-3174	153	23	holding	holding	NOUN
fsr-3174	153	24	of	of	ADP
fsr-3174	153	25	publicly	publicly	ADV
fsr-3174	153	26	traded	trade	VERB
fsr-3174	153	27	shares	share	NOUN
fsr-3174	153	28	,	,	PUNCT
fsr-3174	153	29	bonds	bond	NOUN
fsr-3174	153	30	,	,	PUNCT
fsr-3174	153	31	and	and	CCONJ
fsr-3174	153	32	mutual	mutual	ADJ
fsr-3174	153	33	funds	fund	NOUN
fsr-3174	153	34	(	(	PUNCT
fsr-3174	153	35	fey	fey	PROPN
fsr-3174	153	36	et	et	PROPN
fsr-3174	153	37	al	al	PROPN
fsr-3174	153	38	.	.	PROPN
fsr-3174	153	39	,	,	PUNCT
fsr-3174	153	40	2020	2020	NUM
fsr-3174	153	41	)	)	PUNCT
fsr-3174	153	42	.	.	PUNCT
fsr-3174	154	1	as	as	ADP
fsr-3174	154	2	a	a	DET
fsr-3174	154	3	hypothetical	hypothetical	ADJ
fsr-3174	154	4	construct	construct	NOUN
fsr-3174	154	5	,	,	PUNCT
fsr-3174	154	6	the	the	DET
fsr-3174	154	7	latent	latent	NOUN
fsr-3174	154	8	endogenous	endogenous	ADJ
fsr-3174	154	9	variable	variable	ADJ
fsr-3174	154	10	cmp	cmp	NOUN
fsr-3174	154	11	influences	influence	VERB
fsr-3174	154	12	these	these	DET
fsr-3174	154	13	three	three	NUM
fsr-3174	154	14	measurement	measurement	NOUN
fsr-3174	154	15	variables	variable	NOUN
fsr-3174	154	16	.	.	PUNCT
fsr-3174	155	1	the	the	DET
fsr-3174	155	2	three	three	NUM
fsr-3174	155	3	dummy	dummy	ADJ
fsr-3174	155	4	variables	variable	NOUN
fsr-3174	155	5	contain	contain	VERB
fsr-3174	155	6	the	the	DET
fsr-3174	155	7	empirical	empirical	ADJ
fsr-3174	155	8	measurement	measurement	NOUN
fsr-3174	155	9	from	from	ADP
fsr-3174	155	10	the	the	DET
fsr-3174	155	11	operationalization	operationalization	NOUN
fsr-3174	155	12	of	of	ADP
fsr-3174	155	13	the	the	DET
fsr-3174	155	14	endogenous	endogenous	ADJ
fsr-3174	155	15	variable	variable	ADJ
fsr-3174	155	16	cmp	cmp	NOUN
fsr-3174	155	17	.	.	PUNCT
fsr-3174	156	1	financial	financial	ADJ
fsr-3174	156	2	literacy	literacy	NOUN
fsr-3174	156	3	for	for	ADP
fsr-3174	156	4	the	the	DET
fsr-3174	156	5	definition	definition	NOUN
fsr-3174	156	6	of	of	ADP
fsr-3174	156	7	financial	financial	ADJ
fsr-3174	156	8	literacy	literacy	NOUN
fsr-3174	156	9	,	,	PUNCT
fsr-3174	156	10	we	we	PRON
fsr-3174	156	11	follow	follow	VERB
fsr-3174	156	12	the	the	DET
fsr-3174	156	13	growing	grow	VERB
fsr-3174	156	14	strand	strand	NOUN
fsr-3174	156	15	of	of	ADP
fsr-3174	156	16	literature	literature	NOUN
fsr-3174	156	17	that	that	PRON
fsr-3174	156	18	uses	use	VERB
fsr-3174	156	19	the	the	DET
fsr-3174	156	20	concept	concept	NOUN
fsr-3174	156	21	of	of	ADP
fsr-3174	156	22	financial	financial	ADJ
fsr-3174	156	23	capability	capability	NOUN
fsr-3174	156	24	with	with	ADP
fsr-3174	156	25	the	the	DET
fsr-3174	156	26	key	key	ADJ
fsr-3174	156	27	element	element	NOUN
fsr-3174	156	28	of	of	ADP
fsr-3174	156	29	practical	practical	ADJ
fsr-3174	156	30	skills	skill	NOUN
fsr-3174	156	31	(	(	PUNCT
fsr-3174	156	32	see	see	VERB
fsr-3174	156	33	aubram	aubram	NOUN
fsr-3174	156	34	et	et	PROPN
fsr-3174	156	35	al	al	PROPN
fsr-3174	156	36	.	.	PROPN
fsr-3174	156	37	,	,	PUNCT
fsr-3174	156	38	2016	2016	NUM
fsr-3174	156	39	;	;	PUNCT
fsr-3174	156	40	bernheim	bernheim	PROPN
fsr-3174	156	41	et	et	PROPN
fsr-3174	156	42	al	al	PROPN
fsr-3174	156	43	.	.	PROPN
fsr-3174	156	44	,	,	PUNCT
fsr-3174	156	45	2001	2001	NUM
fsr-3174	156	46	;	;	PUNCT
fsr-3174	156	47	deepak	deepak	PROPN
fsr-3174	156	48	et	et	PROPN
fsr-3174	156	49	al	al	PROPN
fsr-3174	156	50	.	.	PROPN
fsr-3174	156	51	,	,	PUNCT
fsr-3174	156	52	2015	2015	NUM
fsr-3174	156	53	;	;	PUNCT
fsr-3174	156	54	dixon	dixon	PROPN
fsr-3174	156	55	,	,	PUNCT
fsr-3174	156	56	2006	2006	NUM
fsr-3174	156	57	;	;	PUNCT
fsr-3174	156	58	oehler	oehler	PROPN
fsr-3174	156	59	&	&	CCONJ
fsr-3174	156	60	werner	werner	PROPN
fsr-3174	156	61	,	,	PUNCT
fsr-3174	156	62	2008	2008	NUM
fsr-3174	156	63	;	;	PUNCT
fsr-3174	156	64	oehler	oehler	NOUN
fsr-3174	156	65	et	et	PROPN
fsr-3174	156	66	al	al	PROPN
fsr-3174	156	67	.	.	PROPN
fsr-3174	156	68	,	,	PUNCT
fsr-3174	156	69	2018b	2018b	NUM
fsr-3174	156	70	;	;	PUNCT
fsr-3174	156	71	xiao	xiao	PROPN
fsr-3174	156	72	&	&	CCONJ
fsr-3174	156	73	o’neill	o’neill	PROPN
fsr-3174	156	74	,	,	PUNCT
fsr-3174	156	75	2016	2016	NUM
fsr-3174	156	76	)	)	PUNCT
fsr-3174	156	77	and	and	CCONJ
fsr-3174	156	78	the	the	DET
fsr-3174	156	79	related	related	ADJ
fsr-3174	156	80	concept	concept	NOUN
fsr-3174	156	81	of	of	ADP
fsr-3174	156	82	financial	financial	ADJ
fsr-3174	156	83	competencies	competency	NOUN
fsr-3174	156	84	by	by	ADP
fsr-3174	156	85	the	the	DET
fsr-3174	156	86	oecd	oecd	PROPN
fsr-3174	156	87	(	(	PUNCT
fsr-3174	156	88	oecd	oecd	PROPN
fsr-3174	156	89	/	/	SYM
fsr-3174	156	90	infe	infe	NOUN
fsr-3174	156	91	,	,	PUNCT
fsr-3174	156	92	2016	2016	NUM
fsr-3174	156	93	)	)	PUNCT
fsr-3174	156	94	.	.	PUNCT
fsr-3174	157	1	to	to	PART
fsr-3174	157	2	measure	measure	VERB
fsr-3174	157	3	financial	financial	ADJ
fsr-3174	157	4	literacy	literacy	NOUN
fsr-3174	157	5	empirically	empirically	ADV
fsr-3174	157	6	,	,	PUNCT
fsr-3174	157	7	lusardi	lusardi	PROPN
fsr-3174	157	8	and	and	CCONJ
fsr-3174	157	9	mitchell	mitchell	PROPN
fsr-3174	157	10	age	age	PROPN
fsr-3174	157	11	,	,	PUNCT
fsr-3174	157	12	gender	gender	NOUN
fsr-3174	157	13	,	,	PUNCT
fsr-3174	157	14	net	net	ADJ
fsr-3174	157	15	wealth	wealth	NOUN
fsr-3174	157	16	,	,	PUNCT
fsr-3174	157	17	net	net	ADJ
fsr-3174	157	18	income	income	NOUN
fsr-3174	157	19	,	,	PUNCT
fsr-3174	157	20	satisfaction	satisfaction	NOUN
fsr-3174	157	21	with	with	ADP
fsr-3174	157	22	life	life	NOUN
fsr-3174	157	23	(	(	PUNCT
fsr-3174	157	24	present	present	ADJ
fsr-3174	157	25	)	)	PUNCT
fsr-3174	157	26	,	,	PUNCT
fsr-3174	157	27	planning	plan	VERB
fsr-3174	157	28	horizon	horizon	NOUN
fsr-3174	157	29	(	(	PUNCT
fsr-3174	157	30	future	future	NOUN
fsr-3174	157	31	)	)	PUNCT
fsr-3174	157	32	,	,	PUNCT
fsr-3174	157	33	financial	financial	ADJ
fsr-3174	157	34	advice	advice	NOUN
fsr-3174	157	35	,	,	PUNCT
fsr-3174	157	36	and	and	CCONJ
fsr-3174	157	37	investment	investment	NOUN
fsr-3174	157	38	experience	experience	NOUN
fsr-3174	157	39	)	)	PUNCT
fsr-3174	157	40	.	.	PUNCT
fsr-3174	158	1	oehler	oehler	PROPN
fsr-3174	158	2	&	&	CCONJ
fsr-3174	158	3	horn	horn	PROPN
fsr-3174	158	4	289	289	NUM
fsr-3174	158	5	develop	develop	VERB
fsr-3174	158	6	three	three	NUM
fsr-3174	158	7	questions	question	NOUN
fsr-3174	158	8	that	that	PRON
fsr-3174	158	9	are	be	AUX
fsr-3174	158	10	suitable	suitable	ADJ
fsr-3174	158	11	for	for	ADP
fsr-3174	158	12	surveys	survey	NOUN
fsr-3174	158	13	,	,	PUNCT
fsr-3174	158	14	although	although	SCONJ
fsr-3174	158	15	the	the	DET
fsr-3174	158	16	questions	question	NOUN
fsr-3174	158	17	reflect	reflect	VERB
fsr-3174	158	18	a	a	DET
fsr-3174	158	19	rather	rather	ADV
fsr-3174	158	20	narrow	narrow	ADJ
fsr-3174	158	21	definition	definition	NOUN
fsr-3174	158	22	of	of	ADP
fsr-3174	158	23	financial	financial	ADJ
fsr-3174	158	24	literacy	literacy	NOUN
fsr-3174	158	25	(	(	PUNCT
fsr-3174	158	26	see	see	VERB
fsr-3174	158	27	bucher	bucher	NOUN
fsr-3174	158	28	-	-	PUNCT
fsr-3174	158	29	koenen	koenen	PROPN
fsr-3174	158	30	&	&	CCONJ
fsr-3174	158	31	knebel	knebel	PROPN
fsr-3174	158	32	,	,	PUNCT
fsr-3174	158	33	2021	2021	NUM
fsr-3174	158	34	;	;	PUNCT
fsr-3174	158	35	bucher	bucher	NOUN
fsr-3174	158	36	-	-	PUNCT
fsr-3174	158	37	koenen	koenen	NOUN
fsr-3174	158	38	et	et	PROPN
fsr-3174	158	39	al	al	PROPN
fsr-3174	158	40	.	.	PROPN
fsr-3174	158	41	,	,	PUNCT
fsr-3174	158	42	2017	2017	NUM
fsr-3174	158	43	;	;	PUNCT
fsr-3174	158	44	bucher	bucher	NOUN
fsr-3174	158	45	-	-	PUNCT
fsr-3174	158	46	koenen	koenen	NOUN
fsr-3174	158	47	et	et	PROPN
fsr-3174	158	48	al	al	PROPN
fsr-3174	158	49	.	.	PROPN
fsr-3174	158	50	,	,	PUNCT
fsr-3174	158	51	2021	2021	NUM
fsr-3174	158	52	;	;	PUNCT
fsr-3174	158	53	lusardi	lusardi	PROPN
fsr-3174	158	54	&	&	CCONJ
fsr-3174	158	55	mitchell	mitchell	PROPN
fsr-3174	158	56	,	,	PUNCT
fsr-3174	158	57	2011	2011	NUM
fsr-3174	158	58	;	;	PUNCT
fsr-3174	158	59	lusardi	lusardi	PROPN
fsr-3174	158	60	&	&	CCONJ
fsr-3174	158	61	mitchell	mitchell	PROPN
fsr-3174	158	62	,	,	PUNCT
fsr-3174	158	63	2014	2014	NUM
fsr-3174	158	64	)	)	PUNCT
fsr-3174	158	65	.	.	PUNCT
fsr-3174	159	1	the	the	DET
fsr-3174	159	2	three	three	NUM
fsr-3174	159	3	questions	question	NOUN
fsr-3174	159	4	are	be	AUX
fsr-3174	159	5	on	on	ADP
fsr-3174	159	6	compound	compound	NOUN
fsr-3174	159	7	interest	interest	NOUN
fsr-3174	159	8	,	,	PUNCT
fsr-3174	159	9	inflation	inflation	NOUN
fsr-3174	159	10	,	,	PUNCT
fsr-3174	159	11	and	and	CCONJ
fsr-3174	159	12	risk	risk	NOUN
fsr-3174	159	13	diversification	diversification	NOUN
fsr-3174	159	14	.	.	PUNCT
fsr-3174	160	1	according	accord	VERB
fsr-3174	160	2	to	to	ADP
fsr-3174	160	3	rieger	rieger	PROPN
fsr-3174	160	4	(	(	PUNCT
fsr-3174	160	5	2020	2020	NUM
fsr-3174	160	6	)	)	PUNCT
fsr-3174	160	7	,	,	PUNCT
fsr-3174	160	8	the	the	DET
fsr-3174	160	9	cronbach	cronbach	NOUN
fsr-3174	160	10	’s	’s	PART
fsr-3174	160	11	alpha	alpha	NOUN
fsr-3174	160	12	of	of	ADP
fsr-3174	160	13	this	this	DET
fsr-3174	160	14	scale	scale	NOUN
fsr-3174	160	15	is	be	AUX
fsr-3174	160	16	.43	.43	NUM
fsr-3174	160	17	,	,	PUNCT
fsr-3174	160	18	which	which	PRON
fsr-3174	160	19	is	be	AUX
fsr-3174	160	20	“	"	PUNCT
fsr-3174	160	21	acceptable	acceptable	ADJ
fsr-3174	160	22	,	,	PUNCT
fsr-3174	160	23	given	give	VERB
fsr-3174	160	24	that	that	SCONJ
fsr-3174	160	25	it	it	PRON
fsr-3174	160	26	consists	consist	VERB
fsr-3174	160	27	of	of	ADP
fsr-3174	160	28	only	only	ADV
fsr-3174	160	29	three	three	NUM
fsr-3174	160	30	items	item	NOUN
fsr-3174	160	31	”	"	PUNCT
fsr-3174	160	32	(	(	PUNCT
fsr-3174	160	33	p.	p.	NOUN
fsr-3174	160	34	4	4	NUM
fsr-3174	160	35	)	)	PUNCT
fsr-3174	160	36	.	.	PUNCT
fsr-3174	161	1	the	the	DET
fsr-3174	161	2	phf	phf	NOUN
fsr-3174	161	3	survey	survey	NOUN
fsr-3174	161	4	also	also	ADV
fsr-3174	161	5	follows	follow	VERB
fsr-3174	161	6	this	this	DET
fsr-3174	161	7	measurement	measurement	NOUN
fsr-3174	161	8	of	of	ADP
fsr-3174	161	9	financial	financial	ADJ
fsr-3174	161	10	literacy	literacy	NOUN
fsr-3174	161	11	.	.	PUNCT
fsr-3174	162	1	however	however	ADV
fsr-3174	162	2	,	,	PUNCT
fsr-3174	162	3	in	in	ADP
fsr-3174	162	4	its	its	PRON
fsr-3174	162	5	third	third	ADJ
fsr-3174	162	6	wave	wave	NOUN
fsr-3174	162	7	,	,	PUNCT
fsr-3174	162	8	a	a	DET
fsr-3174	162	9	fourth	fourth	ADJ
fsr-3174	162	10	question	question	NOUN
fsr-3174	162	11	on	on	ADP
fsr-3174	162	12	compound	compound	NOUN
fsr-3174	162	13	interest	interest	NOUN
fsr-3174	162	14	and	and	CCONJ
fsr-3174	162	15	debt	debt	NOUN
fsr-3174	162	16	is	be	AUX
fsr-3174	162	17	added	add	VERB
fsr-3174	162	18	(	(	PUNCT
fsr-3174	162	19	phf	phf	NOUN
fsr-3174	162	20	survey	survey	NOUN
fsr-3174	162	21	team	team	NOUN
fsr-3174	162	22	,	,	PUNCT
fsr-3174	162	23	2019a	2019a	NUM
fsr-3174	162	24	,	,	PUNCT
fsr-3174	162	25	pp	pp	ADP
fsr-3174	162	26	.	.	PUNCT
fsr-3174	163	1	164	164	NUM
fsr-3174	163	2	-	-	SYM
fsr-3174	163	3	165	165	NUM
fsr-3174	163	4	)	)	PUNCT
fsr-3174	163	5	.	.	PUNCT
fsr-3174	164	1	the	the	DET
fsr-3174	164	2	phf	phf	NOUN
fsr-3174	164	3	study	study	NOUN
fsr-3174	164	4	allows	allow	VERB
fsr-3174	164	5	us	we	PRON
fsr-3174	164	6	yet	yet	ADV
fsr-3174	164	7	another	another	DET
fsr-3174	164	8	perspective	perspective	NOUN
fsr-3174	164	9	on	on	ADP
fsr-3174	164	10	financial	financial	ADJ
fsr-3174	164	11	literacy	literacy	NOUN
fsr-3174	164	12	,	,	PUNCT
fsr-3174	164	13	namely	namely	ADV
fsr-3174	164	14	the	the	DET
fsr-3174	164	15	possibility	possibility	NOUN
fsr-3174	164	16	of	of	ADP
fsr-3174	164	17	taking	take	VERB
fsr-3174	164	18	economic	economic	ADJ
fsr-3174	164	19	literacy	literacy	NOUN
fsr-3174	164	20	courses	course	NOUN
fsr-3174	164	21	while	while	SCONJ
fsr-3174	164	22	in	in	ADP
fsr-3174	164	23	school	school	NOUN
fsr-3174	164	24	.	.	PUNCT
fsr-3174	165	1	this	this	DET
fsr-3174	165	2	variable	variable	NOUN
fsr-3174	165	3	is	be	AUX
fsr-3174	165	4	determined	determine	VERB
fsr-3174	165	5	by	by	ADP
fsr-3174	165	6	the	the	DET
fsr-3174	165	7	answer	answer	NOUN
fsr-3174	165	8	to	to	ADP
fsr-3174	165	9	the	the	DET
fsr-3174	165	10	question	question	NOUN
fsr-3174	165	11	whether	whether	SCONJ
fsr-3174	165	12	the	the	DET
fsr-3174	165	13	respondent	respondent	NOUN
fsr-3174	165	14	participated	participate	VERB
fsr-3174	165	15	in	in	ADP
fsr-3174	165	16	courses	course	NOUN
fsr-3174	165	17	or	or	CCONJ
fsr-3174	165	18	training	training	NOUN
fsr-3174	165	19	sessions	session	NOUN
fsr-3174	165	20	on	on	ADP
fsr-3174	165	21	household	household	NOUN
fsr-3174	165	22	finances	finance	NOUN
fsr-3174	165	23	or	or	CCONJ
fsr-3174	165	24	asset	asset	NOUN
fsr-3174	165	25	management	management	NOUN
fsr-3174	165	26	(	(	PUNCT
fsr-3174	165	27	phf	phf	NOUN
fsr-3174	165	28	survey	survey	NOUN
fsr-3174	165	29	team	team	NOUN
fsr-3174	165	30	,	,	PUNCT
fsr-3174	165	31	2019a	2019a	NUM
fsr-3174	165	32	,	,	PUNCT
fsr-3174	165	33	p.	p.	NOUN
fsr-3174	165	34	32	32	NUM
fsr-3174	165	35	)	)	PUNCT
fsr-3174	165	36	.	.	PUNCT
fsr-3174	166	1	in	in	ADP
fsr-3174	166	2	order	order	NOUN
fsr-3174	166	3	to	to	PART
fsr-3174	166	4	cover	cover	VERB
fsr-3174	166	5	both	both	DET
fsr-3174	166	6	categories	category	NOUN
fsr-3174	166	7	of	of	ADP
fsr-3174	166	8	financial	financial	ADJ
fsr-3174	166	9	literacy	literacy	NOUN
fsr-3174	166	10	,	,	PUNCT
fsr-3174	166	11	we	we	PRON
fsr-3174	166	12	define	define	VERB
fsr-3174	166	13	two	two	NUM
fsr-3174	166	14	variables	variable	NOUN
fsr-3174	166	15	for	for	ADP
fsr-3174	166	16	operationalizing	operationalize	VERB
fsr-3174	166	17	the	the	DET
fsr-3174	166	18	extent	extent	NOUN
fsr-3174	166	19	of	of	ADP
fsr-3174	166	20	financial	financial	ADJ
fsr-3174	166	21	literacy	literacy	NOUN
fsr-3174	166	22	.	.	PUNCT
fsr-3174	167	1	as	as	ADP
fsr-3174	167	2	a	a	DET
fsr-3174	167	3	hypothetical	hypothetical	ADJ
fsr-3174	167	4	construct	construct	NOUN
fsr-3174	167	5	,	,	PUNCT
fsr-3174	167	6	the	the	DET
fsr-3174	167	7	latent	latent	NOUN
fsr-3174	167	8	endogenous	endogenous	ADJ
fsr-3174	167	9	variable	variable	ADJ
fsr-3174	167	10	financial	financial	ADJ
fsr-3174	167	11	literacy	literacy	NOUN
fsr-3174	167	12	influences	influence	NOUN
fsr-3174	167	13	that	that	SCONJ
fsr-3174	167	14	two	two	NUM
fsr-3174	167	15	measurement	measurement	NOUN
fsr-3174	167	16	variables	variable	NOUN
fsr-3174	167	17	.	.	PUNCT
fsr-3174	168	1	the	the	DET
fsr-3174	168	2	both	both	DET
fsr-3174	168	3	variables	variable	NOUN
fsr-3174	168	4	contain	contain	VERB
fsr-3174	168	5	the	the	DET
fsr-3174	168	6	empirical	empirical	ADJ
fsr-3174	168	7	measurement	measurement	NOUN
fsr-3174	168	8	from	from	ADP
fsr-3174	168	9	the	the	DET
fsr-3174	168	10	operationalization	operationalization	NOUN
fsr-3174	168	11	of	of	ADP
fsr-3174	168	12	the	the	DET
fsr-3174	168	13	endogenous	endogenous	ADJ
fsr-3174	168	14	variable	variable	ADJ
fsr-3174	168	15	financial	financial	ADJ
fsr-3174	168	16	literacy	literacy	NOUN
fsr-3174	168	17	.	.	PUNCT
fsr-3174	169	1	we	we	PRON
fsr-3174	169	2	determine	determine	VERB
fsr-3174	169	3	our	our	PRON
fsr-3174	169	4	first	first	ADJ
fsr-3174	169	5	measurement	measurement	NOUN
fsr-3174	169	6	variable	variable	NOUN
fsr-3174	169	7	on	on	ADP
fsr-3174	169	8	financial	financial	ADJ
fsr-3174	169	9	literacy	literacy	NOUN
fsr-3174	169	10	,	,	PUNCT
fsr-3174	169	11	fin_lit_score	fin_lit_score	NOUN
fsr-3174	169	12	,	,	PUNCT
fsr-3174	169	13	with	with	ADP
fsr-3174	169	14	the	the	DET
fsr-3174	169	15	answers	answer	NOUN
fsr-3174	169	16	to	to	ADP
fsr-3174	169	17	the	the	DET
fsr-3174	169	18	four	four	NUM
fsr-3174	169	19	questions	question	NOUN
fsr-3174	169	20	mentioned	mention	VERB
fsr-3174	169	21	above	above	ADV
fsr-3174	169	22	and	and	CCONJ
fsr-3174	169	23	code	code	VERB
fsr-3174	169	24	the	the	DET
fsr-3174	169	25	answers	answer	NOUN
fsr-3174	169	26	as	as	ADP
fsr-3174	169	27	indicator	indicator	NOUN
fsr-3174	169	28	variables	variable	NOUN
fsr-3174	169	29	(	(	PUNCT
fsr-3174	169	30	van	van	PROPN
fsr-3174	169	31	rooij	rooij	NOUN
fsr-3174	169	32	et	et	PROPN
fsr-3174	169	33	al	al	PROPN
fsr-3174	169	34	.	.	PROPN
fsr-3174	169	35	,	,	PUNCT
fsr-3174	169	36	2011	2011	NUM
fsr-3174	169	37	)	)	PUNCT
fsr-3174	169	38	.	.	PUNCT
fsr-3174	170	1	fin_lit_score	fin_lit_score	ADJ
fsr-3174	170	2	equals	equal	VERB
fsr-3174	170	3	four	four	NUM
fsr-3174	170	4	if	if	SCONJ
fsr-3174	170	5	all	all	DET
fsr-3174	170	6	answers	answer	NOUN
fsr-3174	170	7	are	be	AUX
fsr-3174	170	8	correct	correct	ADJ
fsr-3174	170	9	,	,	PUNCT
fsr-3174	170	10	three	three	NUM
fsr-3174	170	11	if	if	SCONJ
fsr-3174	170	12	three	three	NUM
fsr-3174	170	13	out	out	ADP
fsr-3174	170	14	of	of	ADP
fsr-3174	170	15	four	four	NUM
fsr-3174	170	16	answers	answer	NOUN
fsr-3174	170	17	are	be	AUX
fsr-3174	170	18	correct	correct	ADJ
fsr-3174	170	19	,	,	PUNCT
fsr-3174	170	20	two	two	NUM
fsr-3174	170	21	if	if	SCONJ
fsr-3174	170	22	two	two	NUM
fsr-3174	170	23	out	out	ADP
fsr-3174	170	24	of	of	ADP
fsr-3174	170	25	four	four	NUM
fsr-3174	170	26	questions	question	NOUN
fsr-3174	170	27	are	be	AUX
fsr-3174	170	28	correct	correct	ADJ
fsr-3174	170	29	,	,	PUNCT
fsr-3174	170	30	one	one	NOUN
fsr-3174	170	31	if	if	SCONJ
fsr-3174	170	32	only	only	ADV
fsr-3174	170	33	one	one	NUM
fsr-3174	170	34	answer	answer	NOUN
fsr-3174	170	35	is	be	AUX
fsr-3174	170	36	correct	correct	ADJ
fsr-3174	170	37	,	,	PUNCT
fsr-3174	170	38	and	and	CCONJ
fsr-3174	170	39	zero	zero	NUM
fsr-3174	170	40	otherwise	otherwise	ADV
fsr-3174	170	41	(	(	PUNCT
fsr-3174	170	42	oehler	oehler	NOUN
fsr-3174	170	43	et	et	PROPN
fsr-3174	170	44	al	al	PROPN
fsr-3174	170	45	.	.	PROPN
fsr-3174	170	46	,	,	PUNCT
fsr-3174	170	47	2022a	2022a	NUM
fsr-3174	170	48	)	)	PUNCT
fsr-3174	170	49	.	.	PUNCT
fsr-3174	171	1	the	the	DET
fsr-3174	171	2	second	second	ADJ
fsr-3174	171	3	measurement	measurement	NOUN
fsr-3174	171	4	variable	variable	NOUN
fsr-3174	171	5	,	,	PUNCT
fsr-3174	171	6	fin_lit_training	fin_lit_traine	VERB
fsr-3174	171	7	,	,	PUNCT
fsr-3174	171	8	equals	equal	VERB
fsr-3174	171	9	one	one	NUM
fsr-3174	171	10	if	if	SCONJ
fsr-3174	171	11	a	a	DET
fsr-3174	171	12	member	member	NOUN
fsr-3174	171	13	of	of	ADP
fsr-3174	171	14	the	the	DET
fsr-3174	171	15	respective	respective	ADJ
fsr-3174	171	16	household	household	NOUN
fsr-3174	171	17	participated	participate	VERB
fsr-3174	171	18	in	in	ADP
fsr-3174	171	19	courses	course	NOUN
fsr-3174	171	20	or	or	CCONJ
fsr-3174	171	21	training	training	NOUN
fsr-3174	171	22	sessions	session	NOUN
fsr-3174	171	23	on	on	ADP
fsr-3174	171	24	household	household	NOUN
fsr-3174	171	25	finances	finance	NOUN
fsr-3174	171	26	or	or	CCONJ
fsr-3174	171	27	asset	asset	NOUN
fsr-3174	171	28	management	management	NOUN
fsr-3174	171	29	and	and	CCONJ
fsr-3174	171	30	zero	zero	NUM
fsr-3174	171	31	otherwise	otherwise	ADV
fsr-3174	171	32	.	.	PUNCT
fsr-3174	172	1	risk	risk	NOUN
fsr-3174	172	2	attitude	attitude	NOUN
fsr-3174	172	3	in	in	ADP
fsr-3174	172	4	addition	addition	NOUN
fsr-3174	172	5	to	to	ADP
fsr-3174	172	6	financial	financial	ADJ
fsr-3174	172	7	literacy	literacy	NOUN
fsr-3174	172	8	,	,	PUNCT
fsr-3174	172	9	the	the	DET
fsr-3174	172	10	other	other	ADJ
fsr-3174	172	11	dependent	dependent	ADJ
fsr-3174	172	12	variable	variable	NOUN
fsr-3174	172	13	,	,	PUNCT
fsr-3174	172	14	risk	risk	NOUN
fsr-3174	172	15	attitude	attitude	NOUN
fsr-3174	172	16	,	,	PUNCT
fsr-3174	172	17	acts	act	VERB
fsr-3174	172	18	as	as	ADP
fsr-3174	172	19	a	a	DET
fsr-3174	172	20	main	main	ADJ
fsr-3174	172	21	influencing	influence	VERB
fsr-3174	172	22	variable	variable	NOUN
fsr-3174	172	23	in	in	ADP
fsr-3174	172	24	the	the	DET
fsr-3174	172	25	analysis	analysis	NOUN
fsr-3174	172	26	of	of	ADP
fsr-3174	172	27	capital	capital	NOUN
fsr-3174	172	28	market	market	NOUN
fsr-3174	172	29	participation	participation	NOUN
fsr-3174	172	30	.	.	PUNCT
fsr-3174	173	1	the	the	DET
fsr-3174	173	2	risk	risk	NOUN
fsr-3174	173	3	appetite	appetite	NOUN
fsr-3174	173	4	,	,	PUNCT
fsr-3174	173	5	usually	usually	ADV
fsr-3174	173	6	measured	measure	VERB
fsr-3174	173	7	as	as	ADP
fsr-3174	173	8	degree	degree	NOUN
fsr-3174	173	9	of	of	ADP
fsr-3174	173	10	risk	risk	NOUN
fsr-3174	173	11	aversion	aversion	NOUN
fsr-3174	173	12	,	,	PUNCT
fsr-3174	173	13	is	be	AUX
fsr-3174	173	14	a	a	DET
fsr-3174	173	15	crucial	crucial	ADJ
fsr-3174	173	16	determinant	determinant	ADJ
fsr-3174	173	17	,	,	PUNCT
fsr-3174	173	18	and	and	CCONJ
fsr-3174	173	19	acts	act	VERB
fsr-3174	173	20	as	as	ADP
fsr-3174	173	21	an	an	DET
fsr-3174	173	22	intervening	intervene	VERB
fsr-3174	173	23	variable	variable	NOUN
fsr-3174	173	24	between	between	ADP
fsr-3174	173	25	the	the	DET
fsr-3174	173	26	independent	independent	ADJ
fsr-3174	173	27	variables	variable	NOUN
fsr-3174	173	28	and	and	CCONJ
fsr-3174	173	29	capital	capital	NOUN
fsr-3174	173	30	market	market	NOUN
fsr-3174	173	31	participation	participation	NOUN
fsr-3174	173	32	.	.	PUNCT
fsr-3174	174	1	risk	risk	NOUN
fsr-3174	174	2	aversion	aversion	NOUN
fsr-3174	174	3	is	be	AUX
fsr-3174	174	4	covered	cover	VERB
fsr-3174	174	5	by	by	ADP
fsr-3174	174	6	two	two	NUM
fsr-3174	174	7	different	different	ADJ
fsr-3174	174	8	concepts	concept	NOUN
fsr-3174	174	9	in	in	ADP
fsr-3174	174	10	the	the	DET
fsr-3174	174	11	financial	financial	ADJ
fsr-3174	174	12	domain	domain	NOUN
fsr-3174	174	13	(	(	PUNCT
fsr-3174	174	14	schoemaker	schoemaker	NOUN
fsr-3174	174	15	,	,	PUNCT
fsr-3174	174	16	1993	1993	NUM
fsr-3174	174	17	)	)	PUNCT
fsr-3174	174	18	.	.	PUNCT
fsr-3174	175	1	one	one	NUM
fsr-3174	175	2	strand	strand	NOUN
fsr-3174	175	3	of	of	ADP
fsr-3174	175	4	literature	literature	NOUN
fsr-3174	175	5	relies	rely	VERB
fsr-3174	175	6	on	on	ADP
fsr-3174	175	7	the	the	DET
fsr-3174	175	8	neoclassical	neoclassical	ADJ
fsr-3174	175	9	assumption	assumption	NOUN
fsr-3174	175	10	that	that	SCONJ
fsr-3174	175	11	the	the	DET
fsr-3174	175	12	financial	financial	ADJ
fsr-3174	175	13	risk	risk	NOUN
fsr-3174	175	14	taken	take	VERB
fsr-3174	175	15	by	by	ADP
fsr-3174	175	16	an	an	DET
fsr-3174	175	17	individual	individual	ADJ
fsr-3174	175	18	mirrors	mirror	NOUN
fsr-3174	175	19	exactly	exactly	ADV
fsr-3174	175	20	her	her	PRON
fsr-3174	175	21	risk	risk	NOUN
fsr-3174	175	22	aversion	aversion	NOUN
fsr-3174	175	23	(	(	PUNCT
fsr-3174	175	24	e.g.	e.g.	ADV
fsr-3174	175	25	,	,	PUNCT
fsr-3174	175	26	arrow	arrow	NOUN
fsr-3174	175	27	,	,	PUNCT
fsr-3174	175	28	1965	1965	NUM
fsr-3174	175	29	;	;	PUNCT
fsr-3174	175	30	pratt	pratt	PROPN
fsr-3174	175	31	,	,	PUNCT
fsr-3174	175	32	1964	1964	NUM
fsr-3174	175	33	)	)	PUNCT
fsr-3174	175	34	.	.	PUNCT
fsr-3174	176	1	hence	hence	ADV
fsr-3174	176	2	,	,	PUNCT
fsr-3174	176	3	risk	risk	NOUN
fsr-3174	176	4	attitude	attitude	NOUN
fsr-3174	176	5	can	can	AUX
fsr-3174	176	6	be	be	AUX
fsr-3174	176	7	measured	measure	VERB
fsr-3174	176	8	by	by	ADP
fsr-3174	176	9	the	the	DET
fsr-3174	176	10	self	self	NOUN
fsr-3174	176	11	-	-	PUNCT
fsr-3174	176	12	selected	select	VERB
fsr-3174	176	13	level	level	NOUN
fsr-3174	176	14	of	of	ADP
fsr-3174	176	15	financial	financial	ADJ
fsr-3174	176	16	risk	risk	NOUN
fsr-3174	176	17	.	.	PUNCT
fsr-3174	177	1	this	this	DET
fsr-3174	177	2	concept	concept	NOUN
fsr-3174	177	3	is	be	AUX
fsr-3174	177	4	considered	consider	VERB
fsr-3174	177	5	as	as	ADP
fsr-3174	177	6	objective	objective	ADJ
fsr-3174	177	7	risk	risk	NOUN
fsr-3174	177	8	aversion	aversion	NOUN
fsr-3174	177	9	(	(	PUNCT
fsr-3174	177	10	see	see	VERB
fsr-3174	177	11	nosic	nosic	ADJ
fsr-3174	177	12	&	&	CCONJ
fsr-3174	177	13	weber	weber	PROPN
fsr-3174	177	14	,	,	PUNCT
fsr-3174	177	15	2010	2010	NUM
fsr-3174	177	16	)	)	PUNCT
fsr-3174	177	17	.	.	PUNCT
fsr-3174	178	1	other	other	ADJ
fsr-3174	178	2	studies	study	NOUN
fsr-3174	178	3	use	use	VERB
fsr-3174	178	4	the	the	DET
fsr-3174	178	5	terms	term	NOUN
fsr-3174	178	6	risk	risk	NOUN
fsr-3174	178	7	-	-	PUNCT
fsr-3174	178	8	taking	take	VERB
fsr-3174	178	9	(	(	PUNCT
fsr-3174	178	10	schooley	schooley	NOUN
fsr-3174	178	11	&	&	CCONJ
fsr-3174	178	12	worden	worden	PROPN
fsr-3174	178	13	,	,	PUNCT
fsr-3174	178	14	1996	1996	NUM
fsr-3174	178	15	)	)	PUNCT
fsr-3174	178	16	,	,	PUNCT
fsr-3174	178	17	observed	observe	VERB
fsr-3174	178	18	risktaking	risktake	VERB
fsr-3174	178	19	(	(	PUNCT
fsr-3174	178	20	schoemaker	schoemaker	NOUN
fsr-3174	178	21	,	,	PUNCT
fsr-3174	178	22	1993	1993	NUM
fsr-3174	178	23	)	)	PUNCT
fsr-3174	178	24	,	,	PUNCT
fsr-3174	178	25	risk	risk	NOUN
fsr-3174	178	26	tolerance	tolerance	NOUN
fsr-3174	178	27	(	(	PUNCT
fsr-3174	178	28	wang	wang	PROPN
fsr-3174	178	29	&	&	CCONJ
fsr-3174	178	30	hanna	hanna	PROPN
fsr-3174	178	31	,	,	PUNCT
fsr-3174	178	32	1997	1997	NUM
fsr-3174	178	33	)	)	PUNCT
fsr-3174	178	34	,	,	PUNCT
fsr-3174	178	35	or	or	CCONJ
fsr-3174	178	36	relative	relative	ADJ
fsr-3174	178	37	risk	risk	NOUN
fsr-3174	178	38	aversion	aversion	NOUN
fsr-3174	178	39	(	(	PUNCT
fsr-3174	178	40	riley	riley	PROPN
fsr-3174	178	41	&	&	CCONJ
fsr-3174	178	42	chow	chow	PROPN
fsr-3174	178	43	,	,	PUNCT
fsr-3174	178	44	1992	1992	NUM
fsr-3174	178	45	)	)	PUNCT
fsr-3174	178	46	.	.	PUNCT
fsr-3174	179	1	we	we	PRON
fsr-3174	179	2	do	do	AUX
fsr-3174	179	3	not	not	PART
fsr-3174	179	4	employ	employ	VERB
fsr-3174	179	5	this	this	DET
fsr-3174	179	6	concept	concept	NOUN
fsr-3174	179	7	due	due	ADP
fsr-3174	179	8	to	to	ADP
fsr-3174	179	9	possible	possible	ADJ
fsr-3174	179	10	endogeneity	endogeneity	NOUN
fsr-3174	179	11	issues	issue	NOUN
fsr-3174	179	12	.	.	PUNCT
fsr-3174	180	1	the	the	DET
fsr-3174	180	2	second	second	ADJ
fsr-3174	180	3	strand	strand	NOUN
fsr-3174	180	4	of	of	ADP
fsr-3174	180	5	literature	literature	NOUN
fsr-3174	180	6	assumes	assume	VERB
fsr-3174	180	7	that	that	SCONJ
fsr-3174	180	8	investment	investment	NOUN
fsr-3174	180	9	decisions	decision	NOUN
fsr-3174	180	10	are	be	AUX
fsr-3174	180	11	the	the	DET
fsr-3174	180	12	result	result	NOUN
fsr-3174	180	13	of	of	ADP
fsr-3174	180	14	a	a	DET
fsr-3174	180	15	process	process	NOUN
fsr-3174	180	16	that	that	PRON
fsr-3174	180	17	is	be	AUX
fsr-3174	180	18	additionally	additionally	ADV
fsr-3174	180	19	influenced	influence	VERB
fsr-3174	180	20	by	by	ADP
fsr-3174	180	21	individuals	individual	NOUN
fsr-3174	180	22	’	'	PUNCT
fsr-3174	180	23	subjective	subjective	ADJ
fsr-3174	180	24	perception	perception	NOUN
fsr-3174	180	25	,	,	PUNCT
fsr-3174	180	26	heuristics	heuristic	NOUN
fsr-3174	180	27	,	,	PUNCT
fsr-3174	180	28	and	and	CCONJ
fsr-3174	180	29	bounded	bound	VERB
fsr-3174	180	30	rationality	rationality	NOUN
fsr-3174	180	31	(	(	PUNCT
fsr-3174	180	32	hirshleifer	hirshleifer	NOUN
fsr-3174	180	33	,	,	PUNCT
fsr-3174	180	34	2015	2015	NUM
fsr-3174	180	35	)	)	PUNCT
fsr-3174	180	36	.	.	PUNCT
fsr-3174	181	1	therefore	therefore	ADV
fsr-3174	181	2	,	,	PUNCT
fsr-3174	181	3	the	the	DET
fsr-3174	181	4	investment	investment	NOUN
fsr-3174	181	5	decisions	decision	NOUN
fsr-3174	181	6	,	,	PUNCT
fsr-3174	181	7	and	and	CCONJ
fsr-3174	181	8	likewise	likewise	ADV
fsr-3174	181	9	the	the	DET
fsr-3174	181	10	measured	measured	ADJ
fsr-3174	181	11	objective	objective	ADJ
fsr-3174	181	12	risk	risk	NOUN
fsr-3174	181	13	aversion	aversion	NOUN
fsr-3174	181	14	,	,	PUNCT
fsr-3174	181	15	are	be	AUX
fsr-3174	181	16	most	most	ADV
fsr-3174	181	17	likely	likely	ADV
fsr-3174	181	18	driven	drive	VERB
fsr-3174	181	19	by	by	ADP
fsr-3174	181	20	partially	partially	ADV
fsr-3174	181	21	unobservable	unobservable	ADJ
fsr-3174	181	22	factors	factor	NOUN
fsr-3174	181	23	(	(	PUNCT
fsr-3174	181	24	schoemaker	schoemaker	NOUN
fsr-3174	181	25	,	,	PUNCT
fsr-3174	181	26	1993	1993	NUM
fsr-3174	181	27	)	)	PUNCT
fsr-3174	181	28	.	.	PUNCT
fsr-3174	182	1	in	in	ADP
fsr-3174	182	2	this	this	DET
fsr-3174	182	3	framework	framework	NOUN
fsr-3174	182	4	,	,	PUNCT
fsr-3174	182	5	researchers	researcher	NOUN
fsr-3174	182	6	consequently	consequently	ADV
fsr-3174	182	7	can	can	AUX
fsr-3174	182	8	only	only	ADV
fsr-3174	182	9	measure	measure	VERB
fsr-3174	182	10	an	an	DET
fsr-3174	182	11	individual	individual	NOUN
fsr-3174	182	12	’s	’s	PART
fsr-3174	182	13	risk	risk	NOUN
fsr-3174	182	14	aversion	aversion	NOUN
fsr-3174	182	15	by	by	ADP
fsr-3174	182	16	directly	directly	ADV
fsr-3174	182	17	asking	ask	VERB
fsr-3174	182	18	them	they	PRON
fsr-3174	182	19	to	to	PART
fsr-3174	182	20	selfassess	selfassess	VERB
fsr-3174	182	21	their	their	PRON
fsr-3174	182	22	willingness	willingness	NOUN
fsr-3174	182	23	to	to	PART
fsr-3174	182	24	take	take	VERB
fsr-3174	182	25	financial	financial	ADJ
fsr-3174	182	26	risk	risk	NOUN
fsr-3174	182	27	(	(	PUNCT
fsr-3174	182	28	chaulk	chaulk	PROPN
fsr-3174	182	29	et	et	PROPN
fsr-3174	182	30	al	al	PROPN
fsr-3174	182	31	.	.	PROPN
fsr-3174	182	32	,	,	PUNCT
fsr-3174	182	33	2003	2003	NUM
fsr-3174	182	34	;	;	PUNCT
fsr-3174	182	35	dohmen	dohman	NOUN
fsr-3174	182	36	et	et	PROPN
fsr-3174	182	37	al	al	PROPN
fsr-3174	182	38	.	.	PROPN
fsr-3174	182	39	,	,	PUNCT
fsr-3174	182	40	2011	2011	NUM
fsr-3174	182	41	;	;	PUNCT
fsr-3174	182	42	nosic	nosic	PROPN
fsr-3174	182	43	&	&	CCONJ
fsr-3174	182	44	weber	weber	PROPN
fsr-3174	182	45	,	,	PUNCT
fsr-3174	182	46	2010	2010	NUM
fsr-3174	182	47	;	;	PUNCT
fsr-3174	182	48	oehler	oehler	NOUN
fsr-3174	182	49	&	&	CCONJ
fsr-3174	182	50	horn	horn	PROPN
fsr-3174	182	51	,	,	PUNCT
fsr-3174	182	52	2019	2019	NUM
fsr-3174	182	53	)	)	PUNCT
fsr-3174	182	54	.	.	PUNCT
fsr-3174	183	1	since	since	SCONJ
fsr-3174	183	2	individuals	individual	NOUN
fsr-3174	183	3	’	’	PART
fsr-3174	183	4	self	self	NOUN
fsr-3174	183	5	-	-	PUNCT
fsr-3174	183	6	assessment	assessment	NOUN
fsr-3174	183	7	always	always	ADV
fsr-3174	183	8	includes	include	VERB
fsr-3174	183	9	subjective	subjective	ADJ
fsr-3174	183	10	components	component	NOUN
fsr-3174	183	11	,	,	PUNCT
fsr-3174	183	12	it	it	PRON
fsr-3174	183	13	is	be	AUX
fsr-3174	183	14	a	a	DET
fsr-3174	183	15	subjective	subjective	ADJ
fsr-3174	183	16	risk	risk	NOUN
fsr-3174	183	17	aversion	aversion	NOUN
fsr-3174	183	18	.	.	PUNCT
fsr-3174	184	1	other	other	ADJ
fsr-3174	184	2	studies	study	NOUN
fsr-3174	184	3	use	use	VERB
fsr-3174	184	4	the	the	DET
fsr-3174	184	5	terms	term	NOUN
fsr-3174	184	6	such	such	ADJ
fsr-3174	184	7	as	as	ADP
fsr-3174	184	8	financial	financial	ADJ
fsr-3174	184	9	risk	risk	NOUN
fsr-3174	184	10	aversion	aversion	NOUN
fsr-3174	184	11	(	(	PUNCT
fsr-3174	184	12	kaustia	kaustia	PROPN
fsr-3174	184	13	et	et	PROPN
fsr-3174	184	14	al	al	PROPN
fsr-3174	184	15	.	.	PROPN
fsr-3174	184	16	,	,	PUNCT
fsr-3174	184	17	2023	2023	NUM
fsr-3174	184	18	)	)	PUNCT
fsr-3174	184	19	or	or	CCONJ
fsr-3174	184	20	intrinsic	intrinsic	ADJ
fsr-3174	184	21	attitude	attitude	NOUN
fsr-3174	184	22	toward	toward	ADP
fsr-3174	184	23	risk	risk	NOUN
fsr-3174	184	24	(	(	PUNCT
fsr-3174	184	25	schoemaker	schoemaker	NOUN
fsr-3174	184	26	,	,	PUNCT
fsr-3174	184	27	1993	1993	NUM
fsr-3174	184	28	)	)	PUNCT
fsr-3174	184	29	.	.	PUNCT
fsr-3174	185	1	since	since	SCONJ
fsr-3174	185	2	both	both	DET
fsr-3174	185	3	concepts	concept	NOUN
fsr-3174	185	4	are	be	AUX
fsr-3174	185	5	not	not	PART
fsr-3174	185	6	mutually	mutually	ADV
fsr-3174	185	7	exclusive	exclusive	ADJ
fsr-3174	185	8	,	,	PUNCT
fsr-3174	185	9	some	some	DET
fsr-3174	185	10	studies	study	NOUN
fsr-3174	185	11	combine	combine	VERB
fsr-3174	185	12	both	both	PRON
fsr-3174	185	13	in	in	ADP
fsr-3174	185	14	one	one	NUM
fsr-3174	185	15	framework	framework	NOUN
fsr-3174	185	16	.	.	PUNCT
fsr-3174	186	1	for	for	ADP
fsr-3174	186	2	example	example	NOUN
fsr-3174	186	3	,	,	PUNCT
fsr-3174	186	4	nosic	nosic	ADJ
fsr-3174	186	5	and	and	CCONJ
fsr-3174	186	6	weber	weber	PROPN
fsr-3174	186	7	(	(	PUNCT
fsr-3174	186	8	2010	2010	NUM
fsr-3174	186	9	)	)	PUNCT
fsr-3174	186	10	differentiate	differentiate	VERB
fsr-3174	186	11	between	between	ADP
fsr-3174	186	12	subjective	subjective	ADJ
fsr-3174	186	13	and	and	CCONJ
fsr-3174	186	14	objective	objective	ADJ
fsr-3174	186	15	risk	risk	NOUN
fsr-3174	186	16	aversion	aversion	NOUN
fsr-3174	186	17	and	and	CCONJ
fsr-3174	186	18	find	find	VERB
fsr-3174	186	19	that	that	SCONJ
fsr-3174	186	20	the	the	DET
fsr-3174	186	21	subjective	subjective	ADJ
fsr-3174	186	22	risk	risk	NOUN
fsr-3174	186	23	aversion	aversion	NOUN
fsr-3174	186	24	is	be	AUX
fsr-3174	186	25	a	a	DET
fsr-3174	186	26	significant	significant	ADJ
fsr-3174	186	27	determinant	determinant	NOUN
fsr-3174	186	28	of	of	ADP
fsr-3174	186	29	the	the	DET
fsr-3174	186	30	objective	objective	ADJ
fsr-3174	186	31	risk	risk	NOUN
fsr-3174	186	32	aversion	aversion	NOUN
fsr-3174	186	33	(	(	PUNCT
fsr-3174	186	34	see	see	VERB
fsr-3174	186	35	also	also	ADV
fsr-3174	186	36	schooley	schooley	PROPN
fsr-3174	186	37	&	&	CCONJ
fsr-3174	186	38	financial	financial	PROPN
fsr-3174	186	39	services	services	PROPN
fsr-3174	186	40	review	review	NOUN
fsr-3174	186	41	,	,	PUNCT
fsr-3174	186	42	31(4	31(4	NUM
fsr-3174	186	43	)	)	PUNCT
fsr-3174	186	44	290	290	NUM
fsr-3174	186	45	worden	worden	NOUN
fsr-3174	186	46	,	,	PUNCT
fsr-3174	186	47	1996	1996	NUM
fsr-3174	186	48	;	;	PUNCT
fsr-3174	186	49	chaulk	chaulk	PROPN
fsr-3174	186	50	et	et	PROPN
fsr-3174	186	51	al	al	PROPN
fsr-3174	186	52	.	.	PROPN
fsr-3174	186	53	,	,	PUNCT
fsr-3174	186	54	2003	2003	NUM
fsr-3174	186	55	;	;	PUNCT
fsr-3174	186	56	halko	halko	ADV
fsr-3174	186	57	et	et	PROPN
fsr-3174	186	58	al	al	PROPN
fsr-3174	186	59	.	.	PROPN
fsr-3174	186	60	,	,	PUNCT
fsr-3174	186	61	2012	2012	NUM
fsr-3174	186	62	;	;	PUNCT
fsr-3174	186	63	kaustia	kaustia	PROPN
fsr-3174	186	64	et	et	PROPN
fsr-3174	186	65	al	al	PROPN
fsr-3174	186	66	.	.	PROPN
fsr-3174	186	67	,	,	PUNCT
fsr-3174	186	68	2023	2023	NUM
fsr-3174	186	69	)	)	PUNCT
fsr-3174	186	70	.	.	PUNCT
fsr-3174	187	1	oehler	oehler	PROPN
fsr-3174	187	2	et	et	PROPN
fsr-3174	187	3	al	al	PROPN
fsr-3174	187	4	.	.	PROPN
fsr-3174	187	5	(	(	PUNCT
fsr-3174	187	6	2018a	2018a	NUM
fsr-3174	187	7	)	)	PUNCT
fsr-3174	187	8	conclude	conclude	VERB
fsr-3174	187	9	from	from	ADP
fsr-3174	187	10	a	a	DET
fsr-3174	187	11	simultaneous	simultaneous	ADJ
fsr-3174	187	12	analysis	analysis	NOUN
fsr-3174	187	13	of	of	ADP
fsr-3174	187	14	both	both	DET
fsr-3174	187	15	measures	measure	NOUN
fsr-3174	187	16	of	of	ADP
fsr-3174	187	17	risk	risk	NOUN
fsr-3174	187	18	aversion	aversion	NOUN
fsr-3174	187	19	in	in	ADP
fsr-3174	187	20	an	an	DET
fsr-3174	187	21	experimental	experimental	ADJ
fsr-3174	187	22	setting	setting	NOUN
fsr-3174	187	23	that	that	SCONJ
fsr-3174	187	24	the	the	DET
fsr-3174	187	25	subjective	subjective	ADJ
fsr-3174	187	26	risk	risk	NOUN
fsr-3174	187	27	aversion	aversion	NOUN
fsr-3174	187	28	is	be	AUX
fsr-3174	187	29	a	a	DET
fsr-3174	187	30	better	well	ADJ
fsr-3174	187	31	predictor	predictor	NOUN
fsr-3174	187	32	for	for	ADP
fsr-3174	187	33	the	the	DET
fsr-3174	187	34	objective	objective	ADJ
fsr-3174	187	35	risk	risk	NOUN
fsr-3174	187	36	aversion	aversion	NOUN
fsr-3174	187	37	than	than	ADP
fsr-3174	187	38	a	a	DET
fsr-3174	187	39	set	set	NOUN
fsr-3174	187	40	of	of	ADP
fsr-3174	187	41	commonly	commonly	ADV
fsr-3174	187	42	used	use	VERB
fsr-3174	187	43	socio	socio	NOUN
fsr-3174	187	44	-	-	PUNCT
fsr-3174	187	45	demographic	demographic	ADJ
fsr-3174	187	46	and	and	CCONJ
fsr-3174	187	47	economic	economic	ADJ
fsr-3174	187	48	factors	factor	NOUN
fsr-3174	187	49	such	such	ADJ
fsr-3174	187	50	as	as	ADP
fsr-3174	187	51	age	age	NOUN
fsr-3174	187	52	or	or	CCONJ
fsr-3174	187	53	income	income	NOUN
fsr-3174	187	54	.	.	PUNCT
fsr-3174	188	1	hence	hence	ADV
fsr-3174	188	2	,	,	PUNCT
fsr-3174	188	3	we	we	PRON
fsr-3174	188	4	assume	assume	VERB
fsr-3174	188	5	that	that	SCONJ
fsr-3174	188	6	a	a	DET
fsr-3174	188	7	measure	measure	NOUN
fsr-3174	188	8	of	of	ADP
fsr-3174	188	9	subjective	subjective	ADJ
fsr-3174	188	10	risk	risk	NOUN
fsr-3174	188	11	aversion	aversion	NOUN
fsr-3174	188	12	shall	shall	AUX
fsr-3174	188	13	be	be	AUX
fsr-3174	188	14	a	a	DET
fsr-3174	188	15	good	good	ADJ
fsr-3174	188	16	predictor	predictor	NOUN
fsr-3174	188	17	for	for	ADP
fsr-3174	188	18	cmp	cmp	PROPN
fsr-3174	188	19	.	.	PUNCT
fsr-3174	189	1	dohmen	dohman	NOUN
fsr-3174	189	2	et	et	PROPN
fsr-3174	189	3	al	al	PROPN
fsr-3174	189	4	.	.	PUNCT
fsr-3174	190	1	(	(	PUNCT
fsr-3174	190	2	2011	2011	NUM
fsr-3174	190	3	)	)	PUNCT
fsr-3174	190	4	add	add	VERB
fsr-3174	190	5	to	to	ADP
fsr-3174	190	6	this	this	DET
fsr-3174	190	7	discussion	discussion	NOUN
fsr-3174	190	8	and	and	CCONJ
fsr-3174	190	9	use	use	VERB
fsr-3174	190	10	a	a	DET
fsr-3174	190	11	question	question	NOUN
fsr-3174	190	12	asking	ask	VERB
fsr-3174	190	13	people	people	NOUN
fsr-3174	190	14	about	about	ADP
fsr-3174	190	15	their	their	PRON
fsr-3174	190	16	willingness	willingness	NOUN
fsr-3174	190	17	to	to	PART
fsr-3174	190	18	take	take	VERB
fsr-3174	190	19	risks	risk	NOUN
fsr-3174	190	20	“	"	PUNCT
fsr-3174	190	21	in	in	ADP
fsr-3174	190	22	general	general	ADJ
fsr-3174	190	23	”	"	PUNCT
fsr-3174	190	24	.	.	PUNCT
fsr-3174	191	1	they	they	PRON
fsr-3174	191	2	confirm	confirm	VERB
fsr-3174	191	3	the	the	DET
fsr-3174	191	4	behavioral	behavioral	ADJ
fsr-3174	191	5	validity	validity	NOUN
fsr-3174	191	6	of	of	ADP
fsr-3174	191	7	this	this	DET
fsr-3174	191	8	measure	measure	NOUN
fsr-3174	191	9	in	in	ADP
fsr-3174	191	10	an	an	DET
fsr-3174	191	11	experiment	experiment	NOUN
fsr-3174	191	12	that	that	PRON
fsr-3174	191	13	uses	use	VERB
fsr-3174	191	14	paid	pay	VERB
fsr-3174	191	15	lottery	lottery	NOUN
fsr-3174	191	16	choices	choice	NOUN
fsr-3174	191	17	and	and	CCONJ
fsr-3174	191	18	conclude	conclude	VERB
fsr-3174	191	19	that	that	SCONJ
fsr-3174	191	20	this	this	DET
fsr-3174	191	21	question	question	NOUN
fsr-3174	191	22	is	be	AUX
fsr-3174	191	23	the	the	DET
fsr-3174	191	24	best	good	ADJ
fsr-3174	191	25	all	all	PRON
fsr-3174	191	26	-	-	PUNCT
fsr-3174	191	27	round	round	NOUN
fsr-3174	191	28	predictor	predictor	NOUN
fsr-3174	191	29	of	of	ADP
fsr-3174	191	30	risky	risky	ADJ
fsr-3174	191	31	behavior	behavior	NOUN
fsr-3174	191	32	.	.	PUNCT
fsr-3174	192	1	following	follow	VERB
fsr-3174	192	2	the	the	DET
fsr-3174	192	3	main	main	ADJ
fsr-3174	192	4	findings	finding	NOUN
fsr-3174	192	5	of	of	ADP
fsr-3174	192	6	the	the	DET
fsr-3174	192	7	literature	literature	NOUN
fsr-3174	192	8	,	,	PUNCT
fsr-3174	192	9	we	we	PRON
fsr-3174	192	10	use	use	VERB
fsr-3174	192	11	the	the	DET
fsr-3174	192	12	measure	measure	NOUN
fsr-3174	192	13	of	of	ADP
fsr-3174	192	14	dohmen	dohman	NOUN
fsr-3174	192	15	et	et	PROPN
fsr-3174	192	16	al	al	PROPN
fsr-3174	192	17	.	.	PROPN
fsr-3174	193	1	(	(	PUNCT
fsr-3174	193	2	2011	2011	NUM
fsr-3174	193	3	)	)	PUNCT
fsr-3174	193	4	and	and	CCONJ
fsr-3174	193	5	a	a	DET
fsr-3174	193	6	measure	measure	NOUN
fsr-3174	193	7	of	of	ADP
fsr-3174	193	8	subjective	subjective	ADJ
fsr-3174	193	9	risk	risk	NOUN
fsr-3174	193	10	aversion	aversion	NOUN
fsr-3174	193	11	within	within	ADP
fsr-3174	193	12	the	the	DET
fsr-3174	193	13	measurement	measurement	NOUN
fsr-3174	193	14	model	model	NOUN
fsr-3174	193	15	for	for	ADP
fsr-3174	193	16	the	the	DET
fsr-3174	193	17	latent	latent	ADJ
fsr-3174	193	18	variable	variable	ADJ
fsr-3174	193	19	risk	risk	NOUN
fsr-3174	193	20	attitude	attitude	NOUN
fsr-3174	193	21	.	.	PUNCT
fsr-3174	194	1	in	in	ADP
fsr-3174	194	2	order	order	NOUN
fsr-3174	194	3	to	to	PART
fsr-3174	194	4	cover	cover	VERB
fsr-3174	194	5	both	both	DET
fsr-3174	194	6	categories	category	NOUN
fsr-3174	194	7	of	of	ADP
fsr-3174	194	8	risk	risk	NOUN
fsr-3174	194	9	attitude	attitude	NOUN
fsr-3174	194	10	,	,	PUNCT
fsr-3174	194	11	we	we	PRON
fsr-3174	194	12	define	define	VERB
fsr-3174	194	13	two	two	NUM
fsr-3174	194	14	variables	variable	NOUN
fsr-3174	194	15	for	for	ADP
fsr-3174	194	16	operationalizing	operationalize	VERB
fsr-3174	194	17	the	the	DET
fsr-3174	194	18	extent	extent	NOUN
fsr-3174	194	19	of	of	ADP
fsr-3174	194	20	risk	risk	NOUN
fsr-3174	194	21	aversion	aversion	NOUN
fsr-3174	194	22	.	.	PUNCT
fsr-3174	195	1	as	as	ADP
fsr-3174	195	2	a	a	DET
fsr-3174	195	3	hypothetical	hypothetical	ADJ
fsr-3174	195	4	construct	construct	NOUN
fsr-3174	195	5	,	,	PUNCT
fsr-3174	195	6	the	the	DET
fsr-3174	195	7	latent	latent	NOUN
fsr-3174	195	8	endogenous	endogenous	ADJ
fsr-3174	195	9	variable	variable	ADJ
fsr-3174	195	10	risk	risk	NOUN
fsr-3174	195	11	attitude	attitude	NOUN
fsr-3174	195	12	influences	influence	VERB
fsr-3174	195	13	that	that	SCONJ
fsr-3174	195	14	two	two	NUM
fsr-3174	195	15	measurement	measurement	NOUN
fsr-3174	195	16	variables	variable	NOUN
fsr-3174	195	17	.	.	PUNCT
fsr-3174	196	1	the	the	DET
fsr-3174	196	2	both	both	DET
fsr-3174	196	3	variables	variable	NOUN
fsr-3174	196	4	contain	contain	VERB
fsr-3174	196	5	the	the	DET
fsr-3174	196	6	empirical	empirical	ADJ
fsr-3174	196	7	measurement	measurement	NOUN
fsr-3174	196	8	from	from	ADP
fsr-3174	196	9	the	the	DET
fsr-3174	196	10	operationalization	operationalization	NOUN
fsr-3174	196	11	of	of	ADP
fsr-3174	196	12	the	the	DET
fsr-3174	196	13	endogenous	endogenous	ADJ
fsr-3174	196	14	variable	variable	ADJ
fsr-3174	196	15	risk	risk	NOUN
fsr-3174	196	16	attitude	attitude	NOUN
fsr-3174	196	17	,	,	PUNCT
fsr-3174	196	18	the	the	DET
fsr-3174	196	19	self	self	NOUN
fsr-3174	196	20	-	-	PUNCT
fsr-3174	196	21	assessment	assessment	NOUN
fsr-3174	196	22	of	of	ADP
fsr-3174	196	23	risk	risk	NOUN
fsr-3174	196	24	aversion	aversion	NOUN
fsr-3174	196	25	in	in	ADP
fsr-3174	196	26	the	the	DET
fsr-3174	196	27	financial	financial	ADJ
fsr-3174	196	28	domain	domain	NOUN
fsr-3174	196	29	,	,	PUNCT
fsr-3174	196	30	riskfin	riskfin	ADJ
fsr-3174	196	31	;	;	PUNCT
fsr-3174	196	32	and	and	CCONJ
fsr-3174	196	33	the	the	DET
fsr-3174	196	34	selfassessment	selfassessment	NOUN
fsr-3174	196	35	of	of	ADP
fsr-3174	196	36	general	general	ADJ
fsr-3174	196	37	risk	risk	NOUN
fsr-3174	196	38	-	-	PUNCT
fsr-3174	196	39	taking	taking	NOUN
fsr-3174	196	40	,	,	PUNCT
fsr-3174	196	41	riskgen	riskgen	NOUN
fsr-3174	196	42	(	(	PUNCT
fsr-3174	196	43	oehler	oehler	NOUN
fsr-3174	196	44	et	et	PROPN
fsr-3174	196	45	al	al	PROPN
fsr-3174	196	46	.	.	PROPN
fsr-3174	196	47	,	,	PUNCT
fsr-3174	196	48	2022a	2022a	NUM
fsr-3174	196	49	)	)	PUNCT
fsr-3174	196	50	.	.	PUNCT
fsr-3174	197	1	riskfin	riskfin	NOUN
fsr-3174	197	2	is	be	AUX
fsr-3174	197	3	determined	determine	VERB
fsr-3174	197	4	by	by	ADP
fsr-3174	197	5	the	the	DET
fsr-3174	197	6	answer	answer	NOUN
fsr-3174	197	7	to	to	ADP
fsr-3174	197	8	the	the	DET
fsr-3174	197	9	question	question	NOUN
fsr-3174	197	10	,	,	PUNCT
fsr-3174	197	11	“	"	PUNCT
fsr-3174	197	12	if	if	SCONJ
fsr-3174	197	13	savings	saving	NOUN
fsr-3174	197	14	or	or	CCONJ
fsr-3174	197	15	investment	investment	NOUN
fsr-3174	197	16	decisions	decision	NOUN
fsr-3174	197	17	are	be	AUX
fsr-3174	197	18	made	make	VERB
fsr-3174	197	19	in	in	ADP
fsr-3174	197	20	your	your	PRON
fsr-3174	197	21	household	household	NOUN
fsr-3174	197	22	,	,	PUNCT
fsr-3174	197	23	which	which	PRON
fsr-3174	197	24	of	of	ADP
fsr-3174	197	25	the	the	DET
fsr-3174	197	26	statements	statement	NOUN
fsr-3174	197	27	best	well	ADV
fsr-3174	197	28	describes	describe	VERB
fsr-3174	197	29	the	the	DET
fsr-3174	197	30	attitude	attitude	NOUN
fsr-3174	197	31	toward	toward	ADP
fsr-3174	197	32	risk	risk	NOUN
fsr-3174	197	33	?	?	PUNCT
fsr-3174	197	34	”	"	PUNCT
fsr-3174	198	1	(	(	PUNCT
fsr-3174	198	2	phf	phf	NOUN
fsr-3174	198	3	survey	survey	NOUN
fsr-3174	198	4	team	team	NOUN
fsr-3174	198	5	,	,	PUNCT
fsr-3174	198	6	2019a	2019a	NUM
fsr-3174	198	7	,	,	PUNCT
fsr-3174	198	8	p.	p.	NOUN
fsr-3174	198	9	153	153	NUM
fsr-3174	198	10	)	)	PUNCT
fsr-3174	198	11	,	,	PUNCT
fsr-3174	198	12	on	on	ADP
fsr-3174	198	13	a	a	DET
fsr-3174	198	14	scale	scale	NOUN
fsr-3174	198	15	from	from	ADP
fsr-3174	198	16	one	one	NUM
fsr-3174	198	17	to	to	ADP
fsr-3174	198	18	four	four	NUM
fsr-3174	198	19	.	.	PUNCT
fsr-3174	199	1	one	one	NUM
fsr-3174	199	2	means	mean	VERB
fsr-3174	199	3	that	that	SCONJ
fsr-3174	199	4	“	"	PUNCT
fsr-3174	199	5	we	we	PRON
fsr-3174	199	6	take	take	VERB
fsr-3174	199	7	significant	significant	ADJ
fsr-3174	199	8	risks	risk	NOUN
fsr-3174	199	9	and	and	CCONJ
fsr-3174	199	10	want	want	VERB
fsr-3174	199	11	to	to	PART
fsr-3174	199	12	generate	generate	VERB
fsr-3174	199	13	high	high	ADJ
fsr-3174	199	14	returns	return	NOUN
fsr-3174	199	15	”	"	PUNCT
fsr-3174	199	16	;	;	PUNCT
fsr-3174	199	17	two	two	NUM
fsr-3174	199	18	means	mean	VERB
fsr-3174	199	19	that	that	SCONJ
fsr-3174	199	20	“	"	PUNCT
fsr-3174	199	21	we	we	PRON
fsr-3174	199	22	take	take	VERB
fsr-3174	199	23	above	above	ADJ
fsr-3174	199	24	-	-	PUNCT
fsr-3174	199	25	average	average	ADJ
fsr-3174	199	26	risks	risk	NOUN
fsr-3174	199	27	and	and	CCONJ
fsr-3174	199	28	want	want	VERB
fsr-3174	199	29	to	to	PART
fsr-3174	199	30	generate	generate	VERB
fsr-3174	199	31	above	above	ADP
fsr-3174	199	32	-	-	PUNCT
fsr-3174	199	33	average	average	ADJ
fsr-3174	199	34	returns	return	NOUN
fsr-3174	199	35	”	"	PUNCT
fsr-3174	199	36	;	;	PUNCT
fsr-3174	199	37	three	three	NUM
fsr-3174	199	38	means	mean	VERB
fsr-3174	199	39	that	that	SCONJ
fsr-3174	199	40	“	"	PUNCT
fsr-3174	199	41	we	we	PRON
fsr-3174	199	42	take	take	VERB
fsr-3174	199	43	average	average	ADJ
fsr-3174	199	44	risks	risk	NOUN
fsr-3174	199	45	and	and	CCONJ
fsr-3174	199	46	want	want	VERB
fsr-3174	199	47	to	to	PART
fsr-3174	199	48	generate	generate	VERB
fsr-3174	199	49	average	average	ADJ
fsr-3174	199	50	returns	return	NOUN
fsr-3174	199	51	”	"	PUNCT
fsr-3174	199	52	;	;	PUNCT
fsr-3174	199	53	and	and	CCONJ
fsr-3174	199	54	four	four	NUM
fsr-3174	199	55	means	mean	VERB
fsr-3174	199	56	that	that	SCONJ
fsr-3174	199	57	“	"	PUNCT
fsr-3174	199	58	we	we	PRON
fsr-3174	199	59	are	be	AUX
fsr-3174	199	60	not	not	PART
fsr-3174	199	61	ready	ready	ADJ
fsr-3174	199	62	to	to	PART
fsr-3174	199	63	take	take	VERB
fsr-3174	199	64	any	any	DET
fsr-3174	199	65	financial	financial	ADJ
fsr-3174	199	66	risks	risk	NOUN
fsr-3174	199	67	”	"	PUNCT
fsr-3174	199	68	.	.	PUNCT
fsr-3174	200	1	riskgen	riskgen	PROPN
fsr-3174	200	2	is	be	AUX
fsr-3174	200	3	determined	determine	VERB
fsr-3174	200	4	by	by	ADP
fsr-3174	200	5	the	the	DET
fsr-3174	200	6	answer	answer	NOUN
fsr-3174	200	7	to	to	ADP
fsr-3174	200	8	the	the	DET
fsr-3174	200	9	question	question	NOUN
fsr-3174	200	10	,	,	PUNCT
fsr-3174	200	11	“	"	PUNCT
fsr-3174	200	12	how	how	SCONJ
fsr-3174	200	13	do	do	AUX
fsr-3174	200	14	you	you	PRON
fsr-3174	200	15	view	view	VERB
fsr-3174	200	16	yourself	yourself	PRON
fsr-3174	200	17	?	?	PUNCT
fsr-3174	201	1	are	be	AUX
fsr-3174	201	2	you	you	PRON
fsr-3174	201	3	in	in	ADP
fsr-3174	201	4	general	general	ADJ
fsr-3174	201	5	a	a	DET
fsr-3174	201	6	risk	risk	NOUN
fsr-3174	201	7	-	-	PUNCT
fsr-3174	201	8	taking	take	VERB
fsr-3174	201	9	person	person	NOUN
fsr-3174	201	10	or	or	CCONJ
fsr-3174	201	11	do	do	AUX
fsr-3174	201	12	you	you	PRON
fsr-3174	201	13	try	try	VERB
fsr-3174	201	14	to	to	PART
fsr-3174	201	15	avoid	avoid	VERB
fsr-3174	201	16	risks	risk	NOUN
fsr-3174	201	17	?	?	PUNCT
fsr-3174	201	18	”	"	PUNCT
fsr-3174	201	19	on	on	ADP
fsr-3174	201	20	a	a	DET
fsr-3174	201	21	scale	scale	NOUN
fsr-3174	201	22	from	from	ADP
fsr-3174	201	23	0	0	NUM
fsr-3174	201	24	to	to	PART
fsr-3174	201	25	10	10	NUM
fsr-3174	201	26	.	.	PUNCT
fsr-3174	202	1	zero	zero	NUM
fsr-3174	202	2	means	mean	VERB
fsr-3174	202	3	that	that	SCONJ
fsr-3174	202	4	you	you	PRON
fsr-3174	202	5	are	be	AUX
fsr-3174	202	6	“	"	PUNCT
fsr-3174	202	7	very	very	ADV
fsr-3174	202	8	willing	willing	ADJ
fsr-3174	202	9	to	to	PART
fsr-3174	202	10	take	take	VERB
fsr-3174	202	11	risks	risk	NOUN
fsr-3174	202	12	”	"	PUNCT
fsr-3174	202	13	;	;	PUNCT
fsr-3174	202	14	10	10	NUM
fsr-3174	202	15	means	mean	VERB
fsr-3174	202	16	that	that	SCONJ
fsr-3174	202	17	you	you	PRON
fsr-3174	202	18	are	be	AUX
fsr-3174	202	19	“	"	PUNCT
fsr-3174	202	20	not	not	PART
fsr-3174	202	21	at	at	ADV
fsr-3174	202	22	all	all	ADV
fsr-3174	202	23	ready	ready	ADJ
fsr-3174	202	24	to	to	PART
fsr-3174	202	25	take	take	VERB
fsr-3174	202	26	risks	risk	NOUN
fsr-3174	202	27	”	"	PUNCT
fsr-3174	202	28	(	(	PUNCT
fsr-3174	202	29	the	the	DET
fsr-3174	202	30	original	original	ADJ
fsr-3174	202	31	scale	scale	NOUN
fsr-3174	202	32	is	be	AUX
fsr-3174	202	33	recoded	recode	VERB
fsr-3174	202	34	to	to	PART
fsr-3174	202	35	align	align	VERB
fsr-3174	202	36	in	in	ADP
fsr-3174	202	37	the	the	DET
fsr-3174	202	38	same	same	ADJ
fsr-3174	202	39	direction	direction	NOUN
fsr-3174	202	40	as	as	ADP
fsr-3174	202	41	in	in	ADP
fsr-3174	202	42	the	the	DET
fsr-3174	202	43	question	question	NOUN
fsr-3174	202	44	on	on	ADP
fsr-3174	202	45	risk	risk	NOUN
fsr-3174	202	46	aversion	aversion	NOUN
fsr-3174	202	47	in	in	ADP
fsr-3174	202	48	the	the	DET
fsr-3174	202	49	financial	financial	ADJ
fsr-3174	202	50	domain	domain	NOUN
fsr-3174	202	51	)	)	PUNCT
fsr-3174	202	52	(	(	PUNCT
fsr-3174	202	53	oehler	oehler	NOUN
fsr-3174	202	54	et	et	PROPN
fsr-3174	202	55	al	al	PROPN
fsr-3174	202	56	.	.	PROPN
fsr-3174	202	57	,	,	PUNCT
fsr-3174	202	58	2022a	2022a	NUM
fsr-3174	202	59	)	)	PUNCT
fsr-3174	202	60	.	.	PUNCT
fsr-3174	203	1	independent	independent	ADJ
fsr-3174	203	2	variables	variable	NOUN
fsr-3174	203	3	in	in	ADP
fsr-3174	203	4	the	the	DET
fsr-3174	203	5	structural	structural	ADJ
fsr-3174	203	6	model	model	NOUN
fsr-3174	203	7	and	and	CCONJ
fsr-3174	203	8	measurement	measurement	NOUN
fsr-3174	203	9	concepts	concept	VERB
fsr-3174	203	10	the	the	DET
fsr-3174	203	11	measurement	measurement	NOUN
fsr-3174	203	12	model	model	NOUN
fsr-3174	203	13	of	of	ADP
fsr-3174	203	14	the	the	DET
fsr-3174	203	15	latent	latent	NOUN
fsr-3174	203	16	exogenous	exogenous	ADJ
fsr-3174	203	17	variables	variable	NOUN
fsr-3174	203	18	contains	contain	VERB
fsr-3174	203	19	the	the	DET
fsr-3174	203	20	empirical	empirical	ADJ
fsr-3174	203	21	measurements	measurement	NOUN
fsr-3174	203	22	from	from	ADP
fsr-3174	203	23	the	the	DET
fsr-3174	203	24	operationalization	operationalization	NOUN
fsr-3174	203	25	of	of	ADP
fsr-3174	203	26	the	the	DET
fsr-3174	203	27	exogenous	exogenous	ADJ
fsr-3174	203	28	variables	variable	NOUN
fsr-3174	203	29	and	and	CCONJ
fsr-3174	203	30	reflects	reflect	VERB
fsr-3174	203	31	the	the	DET
fsr-3174	203	32	assumed	assumed	ADJ
fsr-3174	203	33	relationships	relationship	NOUN
fsr-3174	203	34	between	between	ADP
fsr-3174	203	35	the	the	DET
fsr-3174	203	36	measurements	measurement	NOUN
fsr-3174	203	37	and	and	CCONJ
fsr-3174	203	38	the	the	DET
fsr-3174	203	39	exogenous	exogenous	ADJ
fsr-3174	203	40	variables	variable	NOUN
fsr-3174	203	41	.	.	PUNCT
fsr-3174	204	1	net	net	ADJ
fsr-3174	204	2	wealth	wealth	NOUN
fsr-3174	204	3	we	we	PRON
fsr-3174	204	4	use	use	VERB
fsr-3174	204	5	a	a	DET
fsr-3174	204	6	household	household	NOUN
fsr-3174	204	7	’s	’s	PART
fsr-3174	204	8	net	net	ADJ
fsr-3174	204	9	wealth	wealth	NOUN
fsr-3174	204	10	as	as	ADP
fsr-3174	204	11	proxy	proxy	NOUN
fsr-3174	204	12	for	for	ADP
fsr-3174	204	13	its	its	PRON
fsr-3174	204	14	wealth	wealth	NOUN
fsr-3174	204	15	position	position	NOUN
fsr-3174	204	16	(	(	PUNCT
fsr-3174	204	17	total	total	ADJ
fsr-3174	204	18	household	household	NOUN
fsr-3174	204	19	assets	asset	NOUN
fsr-3174	204	20	minus	minus	ADP
fsr-3174	204	21	total	total	ADJ
fsr-3174	204	22	outstanding	outstanding	ADJ
fsr-3174	204	23	liabilities	liability	NOUN
fsr-3174	204	24	,	,	PUNCT
fsr-3174	204	25	measured	measure	VERB
fsr-3174	204	26	in	in	ADP
fsr-3174	204	27	euros	euro	NOUN
fsr-3174	204	28	)	)	PUNCT
fsr-3174	204	29	(	(	PUNCT
fsr-3174	204	30	phf	phf	NOUN
fsr-3174	204	31	survey	survey	NOUN
fsr-3174	204	32	team	team	NOUN
fsr-3174	204	33	,	,	PUNCT
fsr-3174	204	34	2019b	2019b	NOUN
fsr-3174	204	35	,	,	PUNCT
fsr-3174	204	36	p.	p.	NOUN
fsr-3174	204	37	8)	8)	NUM
fsr-3174	204	38	.	.	PUNCT
fsr-3174	205	1	among	among	ADP
fsr-3174	205	2	others	other	NOUN
fsr-3174	205	3	,	,	PUNCT
fsr-3174	205	4	households	household	NOUN
fsr-3174	205	5	’	'	PUNCT
fsr-3174	205	6	financial	financial	ADJ
fsr-3174	205	7	assets	asset	NOUN
fsr-3174	205	8	include	include	VERB
fsr-3174	205	9	the	the	DET
fsr-3174	205	10	total	total	ADJ
fsr-3174	205	11	value	value	NOUN
fsr-3174	205	12	of	of	ADP
fsr-3174	205	13	deposits	deposit	NOUN
fsr-3174	205	14	,	,	PUNCT
fsr-3174	205	15	mutual	mutual	ADJ
fsr-3174	205	16	funds	fund	NOUN
fsr-3174	205	17	,	,	PUNCT
fsr-3174	205	18	bonds	bond	NOUN
fsr-3174	205	19	,	,	PUNCT
fsr-3174	205	20	non	non	X
fsr-3174	205	21	selfemployment	selfemployment	NOUN
fsr-3174	205	22	private	private	ADJ
fsr-3174	205	23	businesses	business	NOUN
fsr-3174	205	24	,	,	PUNCT
fsr-3174	205	25	publicly	publicly	ADV
fsr-3174	205	26	traded	trade	VERB
fsr-3174	205	27	shares	share	NOUN
fsr-3174	205	28	,	,	PUNCT
fsr-3174	205	29	managed	manage	VERB
fsr-3174	205	30	accounts	account	NOUN
fsr-3174	205	31	,	,	PUNCT
fsr-3174	205	32	money	money	NOUN
fsr-3174	205	33	owed	owe	VERB
fsr-3174	205	34	to	to	ADP
fsr-3174	205	35	the	the	DET
fsr-3174	205	36	household	household	NOUN
fsr-3174	205	37	,	,	PUNCT
fsr-3174	205	38	‘	'	PUNCT
fsr-3174	205	39	other	other	ADJ
fsr-3174	205	40	’	'	PUNCT
fsr-3174	205	41	financial	financial	ADJ
fsr-3174	205	42	assets	asset	NOUN
fsr-3174	205	43	,	,	PUNCT
fsr-3174	205	44	voluntary	voluntary	ADJ
fsr-3174	205	45	pension	pension	NOUN
fsr-3174	205	46	plans	plan	NOUN
fsr-3174	205	47	and	and	CCONJ
fsr-3174	205	48	whole	whole	ADJ
fsr-3174	205	49	life	life	NOUN
fsr-3174	205	50	insurance	insurance	NOUN
fsr-3174	205	51	contracts	contract	NOUN
fsr-3174	205	52	.	.	PUNCT
fsr-3174	206	1	the	the	DET
fsr-3174	206	2	main	main	ADJ
fsr-3174	206	3	share	share	NOUN
fsr-3174	206	4	lies	lie	VERB
fsr-3174	206	5	in	in	ADP
fsr-3174	206	6	deposits	deposit	NOUN
fsr-3174	206	7	and	and	CCONJ
fsr-3174	206	8	“	"	PUNCT
fsr-3174	206	9	households	household	NOUN
fsr-3174	206	10	need	need	VERB
fsr-3174	206	11	to	to	PART
fsr-3174	206	12	keep	keep	VERB
fsr-3174	206	13	enough	enough	ADJ
fsr-3174	206	14	of	of	ADP
fsr-3174	206	15	their	their	PRON
fsr-3174	206	16	wealth	wealth	NOUN
fsr-3174	206	17	in	in	ADP
fsr-3174	206	18	deposits	deposit	NOUN
fsr-3174	206	19	to	to	PART
fsr-3174	206	20	manage	manage	VERB
fsr-3174	206	21	their	their	PRON
fsr-3174	206	22	everyday	everyday	ADJ
fsr-3174	206	23	spending	spending	NOUN
fsr-3174	206	24	and	and	CCONJ
fsr-3174	206	25	meet	meet	VERB
fsr-3174	206	26	any	any	DET
fsr-3174	206	27	unforeseen	unforeseen	ADJ
fsr-3174	206	28	needs	need	NOUN
fsr-3174	206	29	;	;	PUNCT
fsr-3174	206	30	the	the	PRON
fsr-3174	206	31	lower	low	ADJ
fsr-3174	206	32	their	their	PRON
fsr-3174	206	33	overall	overall	ADJ
fsr-3174	206	34	wealth	wealth	NOUN
fsr-3174	206	35	,	,	PUNCT
fsr-3174	206	36	the	the	PRON
fsr-3174	206	37	more	more	ADJ
fsr-3174	206	38	they	they	PRON
fsr-3174	206	39	will	will	AUX
fsr-3174	206	40	need	need	VERB
fsr-3174	206	41	to	to	PART
fsr-3174	206	42	rely	rely	VERB
fsr-3174	206	43	on	on	ADP
fsr-3174	206	44	easily	easily	ADV
fsr-3174	206	45	accessible	accessible	ADJ
fsr-3174	206	46	cash	cash	NOUN
fsr-3174	206	47	”	"	PUNCT
fsr-3174	206	48	(	(	PUNCT
fsr-3174	206	49	efama	efama	NOUN
fsr-3174	206	50	,	,	PUNCT
fsr-3174	206	51	2020	2020	NUM
fsr-3174	206	52	,	,	PUNCT
fsr-3174	206	53	p.	p.	NOUN
fsr-3174	206	54	28	28	NUM
fsr-3174	206	55	)	)	PUNCT
fsr-3174	206	56	.	.	PUNCT
fsr-3174	207	1	the	the	DET
fsr-3174	207	2	other	other	ADJ
fsr-3174	207	3	main	main	ADJ
fsr-3174	207	4	wealth	wealth	NOUN
fsr-3174	207	5	component	component	NOUN
fsr-3174	207	6	is	be	AUX
fsr-3174	207	7	the	the	DET
fsr-3174	207	8	real	real	ADJ
fsr-3174	207	9	asset	asset	NOUN
fsr-3174	207	10	position	position	NOUN
fsr-3174	207	11	including	include	VERB
fsr-3174	207	12	the	the	DET
fsr-3174	207	13	household	household	NOUN
fsr-3174	207	14	’s	’s	PART
fsr-3174	207	15	main	main	ADJ
fsr-3174	207	16	residence	residence	NOUN
fsr-3174	207	17	.	.	PUNCT
fsr-3174	208	1	home	home	NOUN
fsr-3174	208	2	loan	loan	NOUN
fsr-3174	208	3	saving	saving	NOUN
fsr-3174	208	4	and	and	CCONJ
fsr-3174	208	5	hmr	hmr	PROPN
fsr-3174	208	6	mortgage	mortgage	NOUN
fsr-3174	208	7	outstanding	outstanding	ADJ
fsr-3174	208	8	for	for	ADP
fsr-3174	208	9	a	a	DET
fsr-3174	208	10	clearly	clearly	ADV
fsr-3174	208	11	differentiated	differentiate	VERB
fsr-3174	208	12	analysis	analysis	NOUN
fsr-3174	208	13	,	,	PUNCT
fsr-3174	208	14	we	we	PRON
fsr-3174	208	15	additionally	additionally	ADV
fsr-3174	208	16	use	use	VERB
fsr-3174	208	17	the	the	DET
fsr-3174	208	18	amount	amount	NOUN
fsr-3174	208	19	saved	save	VERB
fsr-3174	208	20	in	in	ADP
fsr-3174	208	21	euros	euro	NOUN
fsr-3174	208	22	for	for	ADP
fsr-3174	208	23	a	a	DET
fsr-3174	208	24	household	household	NOUN
fsr-3174	208	25	main	main	ADJ
fsr-3174	208	26	residence	residence	NOUN
fsr-3174	208	27	(	(	PUNCT
fsr-3174	208	28	hmr	hmr	PROPN
fsr-3174	208	29	)	)	PUNCT
fsr-3174	208	30	via	via	ADP
fsr-3174	208	31	home	home	NOUN
fsr-3174	208	32	loan	loan	NOUN
fsr-3174	208	33	saving	saving	NOUN
fsr-3174	208	34	contracts	contract	NOUN
fsr-3174	208	35	(	(	PUNCT
fsr-3174	208	36	phf	phf	NOUN
fsr-3174	208	37	survey	survey	NOUN
fsr-3174	208	38	team	team	NOUN
fsr-3174	208	39	,	,	PUNCT
fsr-3174	208	40	2019a	2019a	NUM
fsr-3174	208	41	,	,	PUNCT
fsr-3174	208	42	p.	p.	NOUN
fsr-3174	208	43	139	139	NUM
fsr-3174	208	44	)	)	PUNCT
fsr-3174	208	45	as	as	ADP
fsr-3174	208	46	an	an	DET
fsr-3174	208	47	alternative	alternative	ADJ
fsr-3174	208	48	investment	investment	NOUN
fsr-3174	208	49	in	in	ADP
fsr-3174	208	50	the	the	DET
fsr-3174	208	51	household	household	NOUN
fsr-3174	208	52	’s	’s	PART
fsr-3174	208	53	portfolio	portfolio	NOUN
fsr-3174	208	54	as	as	ADV
fsr-3174	208	55	well	well	ADV
fsr-3174	208	56	as	as	ADP
fsr-3174	208	57	the	the	DET
fsr-3174	208	58	current	current	ADJ
fsr-3174	208	59	level	level	NOUN
fsr-3174	208	60	of	of	ADP
fsr-3174	208	61	outstanding	outstanding	ADJ
fsr-3174	208	62	debt	debt	NOUN
fsr-3174	208	63	in	in	ADP
fsr-3174	208	64	euros	euro	NOUN
fsr-3174	208	65	for	for	ADP
fsr-3174	208	66	existing	exist	VERB
fsr-3174	208	67	hmr	hmr	NOUN
fsr-3174	208	68	as	as	ADP
fsr-3174	208	69	the	the	DET
fsr-3174	208	70	major	major	ADJ
fsr-3174	208	71	share	share	NOUN
fsr-3174	208	72	of	of	ADP
fsr-3174	208	73	household	household	NOUN
fsr-3174	208	74	’s	’s	PART
fsr-3174	208	75	debt	debt	NOUN
fsr-3174	208	76	(	(	PUNCT
fsr-3174	208	77	phf	phf	NOUN
fsr-3174	208	78	survey	survey	NOUN
fsr-3174	208	79	team	team	NOUN
fsr-3174	208	80	,	,	PUNCT
fsr-3174	208	81	2019b	2019b	NUM
fsr-3174	208	82	,	,	PUNCT
fsr-3174	208	83	p.	p.	NOUN
fsr-3174	208	84	5	5	NUM
fsr-3174	208	85	)	)	PUNCT
fsr-3174	208	86	.	.	PUNCT
fsr-3174	209	1	voluntary	voluntary	ADJ
fsr-3174	209	2	pension	pension	NOUN
fsr-3174	209	3	plan	plan	NOUN
fsr-3174	209	4	and	and	CCONJ
fsr-3174	209	5	whole	whole	ADJ
fsr-3174	209	6	life	life	NOUN
fsr-3174	209	7	insurance	insurance	NOUN
fsr-3174	209	8	oehler	oehler	NOUN
fsr-3174	209	9	&	&	CCONJ
fsr-3174	209	10	horn	horn	VERB
fsr-3174	209	11	291	291	NUM
fsr-3174	209	12	investments	investment	NOUN
fsr-3174	209	13	as	as	ADP
fsr-3174	209	14	precautions	precaution	NOUN
fsr-3174	209	15	,	,	PUNCT
fsr-3174	209	16	in	in	ADP
fsr-3174	209	17	particular	particular	ADJ
fsr-3174	209	18	for	for	ADP
fsr-3174	209	19	oldage	oldage	NOUN
fsr-3174	209	20	provision	provision	NOUN
fsr-3174	209	21	,	,	PUNCT
fsr-3174	209	22	are	be	AUX
fsr-3174	209	23	a	a	DET
fsr-3174	209	24	diversifying	diversify	VERB
fsr-3174	209	25	addition	addition	NOUN
fsr-3174	209	26	to	to	ADP
fsr-3174	209	27	the	the	DET
fsr-3174	209	28	portfolio	portfolio	NOUN
fsr-3174	209	29	of	of	ADP
fsr-3174	209	30	financial	financial	ADJ
fsr-3174	209	31	assets	asset	NOUN
fsr-3174	209	32	.	.	PUNCT
fsr-3174	210	1	these	these	DET
fsr-3174	210	2	investment	investment	NOUN
fsr-3174	210	3	alternatives	alternative	NOUN
fsr-3174	210	4	through	through	ADP
fsr-3174	210	5	financial	financial	ADJ
fsr-3174	210	6	intermediaries	intermediary	NOUN
fsr-3174	210	7	such	such	ADJ
fsr-3174	210	8	as	as	ADP
fsr-3174	210	9	insurance	insurance	NOUN
fsr-3174	210	10	companies	company	NOUN
fsr-3174	210	11	typically	typically	ADV
fsr-3174	210	12	represent	represent	VERB
fsr-3174	210	13	no	no	DET
fsr-3174	210	14	direct	direct	ADJ
fsr-3174	210	15	investments	investment	NOUN
fsr-3174	210	16	in	in	ADP
fsr-3174	210	17	capital	capital	NOUN
fsr-3174	210	18	markets	market	NOUN
fsr-3174	210	19	.	.	PUNCT
fsr-3174	211	1	it	it	PRON
fsr-3174	211	2	could	could	AUX
fsr-3174	211	3	be	be	AUX
fsr-3174	211	4	argued	argue	VERB
fsr-3174	211	5	that	that	SCONJ
fsr-3174	211	6	such	such	ADJ
fsr-3174	211	7	products	product	NOUN
fsr-3174	211	8	of	of	ADP
fsr-3174	211	9	financial	financial	ADJ
fsr-3174	211	10	intermediaries	intermediary	NOUN
fsr-3174	211	11	are	be	AUX
fsr-3174	211	12	also	also	ADV
fsr-3174	211	13	related	relate	VERB
fsr-3174	211	14	to	to	ADP
fsr-3174	211	15	the	the	DET
fsr-3174	211	16	capital	capital	NOUN
fsr-3174	211	17	market	market	NOUN
fsr-3174	211	18	,	,	PUNCT
fsr-3174	211	19	because	because	SCONJ
fsr-3174	211	20	a	a	DET
fsr-3174	211	21	part	part	NOUN
fsr-3174	211	22	of	of	ADP
fsr-3174	211	23	the	the	DET
fsr-3174	211	24	clients	client	NOUN
fsr-3174	211	25	’	’	PART
fsr-3174	211	26	insurance	insurance	NOUN
fsr-3174	211	27	premiums	premium	NOUN
fsr-3174	211	28	are	be	AUX
fsr-3174	211	29	likely	likely	ADJ
fsr-3174	211	30	to	to	PART
fsr-3174	211	31	be	be	AUX
fsr-3174	211	32	invested	invest	VERB
fsr-3174	211	33	in	in	ADP
fsr-3174	211	34	bonds	bond	NOUN
fsr-3174	211	35	.	.	PUNCT
fsr-3174	212	1	for	for	ADP
fsr-3174	212	2	this	this	DET
fsr-3174	212	3	analysis	analysis	NOUN
fsr-3174	212	4	,	,	PUNCT
fsr-3174	212	5	however	however	ADV
fsr-3174	212	6	,	,	PUNCT
fsr-3174	212	7	the	the	DET
fsr-3174	212	8	perception	perception	NOUN
fsr-3174	212	9	of	of	ADP
fsr-3174	212	10	households	household	NOUN
fsr-3174	212	11	is	be	AUX
fsr-3174	212	12	crucial	crucial	ADJ
fsr-3174	212	13	.	.	PUNCT
fsr-3174	213	1	most	most	ADJ
fsr-3174	213	2	households	household	NOUN
fsr-3174	213	3	probably	probably	ADV
fsr-3174	213	4	understand	understand	VERB
fsr-3174	213	5	such	such	ADJ
fsr-3174	213	6	investments	investment	NOUN
fsr-3174	213	7	as	as	ADP
fsr-3174	213	8	so	so	ADV
fsr-3174	213	9	-	-	PUNCT
fsr-3174	213	10	called	call	VERB
fsr-3174	213	11	safe	safe	ADJ
fsr-3174	213	12	investments	investment	NOUN
fsr-3174	213	13	,	,	PUNCT
fsr-3174	213	14	similar	similar	ADJ
fsr-3174	213	15	to	to	ADP
fsr-3174	213	16	deposits	deposit	NOUN
fsr-3174	213	17	.	.	PUNCT
fsr-3174	214	1	according	accord	VERB
fsr-3174	214	2	to	to	ADP
fsr-3174	214	3	efama	efama	NOUN
fsr-3174	214	4	(	(	PUNCT
fsr-3174	214	5	2020	2020	NUM
fsr-3174	214	6	,	,	PUNCT
fsr-3174	214	7	p.	p.	NOUN
fsr-3174	214	8	5	5	NUM
fsr-3174	214	9	&	&	CCONJ
fsr-3174	214	10	p.	p.	PROPN
fsr-3174	214	11	24	24	NUM
fsr-3174	214	12	)	)	PUNCT
fsr-3174	214	13	,	,	PUNCT
fsr-3174	214	14	the	the	DET
fsr-3174	214	15	“	"	PUNCT
fsr-3174	214	16	strong	strong	ADJ
fsr-3174	214	17	market	market	NOUN
fsr-3174	214	18	position	position	NOUN
fsr-3174	214	19	of	of	ADP
fsr-3174	214	20	insurance	insurance	NOUN
fsr-3174	214	21	-	-	PUNCT
fsr-3174	214	22	based	base	VERB
fsr-3174	214	23	products	product	NOUN
fsr-3174	214	24	can	can	AUX
fsr-3174	214	25	be	be	AUX
fsr-3174	214	26	explained	explain	VERB
fsr-3174	214	27	by	by	ADP
fsr-3174	214	28	the	the	DET
fsr-3174	214	29	preference	preference	NOUN
fsr-3174	214	30	of	of	ADP
fsr-3174	214	31	many	many	ADJ
fsr-3174	214	32	citizens	citizen	NOUN
fsr-3174	214	33	for	for	ADP
fsr-3174	214	34	products	product	NOUN
fsr-3174	214	35	with	with	ADP
fsr-3174	214	36	a	a	DET
fsr-3174	214	37	nominal	nominal	ADJ
fsr-3174	214	38	capital	capital	NOUN
fsr-3174	214	39	guarantee	guarantee	NOUN
fsr-3174	214	40	and	and	CCONJ
fsr-3174	214	41	a	a	DET
fsr-3174	214	42	strong	strong	ADJ
fsr-3174	214	43	preference	preference	NOUN
fsr-3174	214	44	by	by	ADP
fsr-3174	214	45	households	household	NOUN
fsr-3174	214	46	for	for	ADP
fsr-3174	214	47	saving	save	VERB
fsr-3174	214	48	in	in	ADP
fsr-3174	214	49	bank	bank	NOUN
fsr-3174	214	50	deposits	deposit	NOUN
fsr-3174	214	51	and	and	CCONJ
fsr-3174	214	52	insurance	insurance	NOUN
fsr-3174	214	53	products	product	NOUN
fsr-3174	214	54	that	that	PRON
fsr-3174	214	55	offer	offer	VERB
fsr-3174	214	56	some	some	DET
fsr-3174	214	57	form	form	NOUN
fsr-3174	214	58	of	of	ADP
fsr-3174	214	59	guarantee	guarantee	NOUN
fsr-3174	214	60	.	.	PUNCT
fsr-3174	214	61	”	"	PUNCT
fsr-3174	215	1	we	we	PRON
fsr-3174	215	2	employ	employ	VERB
fsr-3174	215	3	the	the	DET
fsr-3174	215	4	total	total	ADJ
fsr-3174	215	5	amount	amount	NOUN
fsr-3174	215	6	in	in	ADP
fsr-3174	215	7	euro	euro	NOUN
fsr-3174	215	8	invested	invest	VERB
fsr-3174	215	9	by	by	ADP
fsr-3174	215	10	a	a	DET
fsr-3174	215	11	household	household	NOUN
fsr-3174	215	12	in	in	ADP
fsr-3174	215	13	voluntary	voluntary	ADJ
fsr-3174	215	14	pension	pension	NOUN
fsr-3174	215	15	plans	plan	NOUN
fsr-3174	215	16	and	and	CCONJ
fsr-3174	215	17	whole	whole	ADJ
fsr-3174	215	18	life	life	NOUN
fsr-3174	215	19	insurance	insurance	NOUN
fsr-3174	215	20	contracts	contract	NOUN
fsr-3174	215	21	(	(	PUNCT
fsr-3174	215	22	phf	phf	NOUN
fsr-3174	215	23	survey	survey	NOUN
fsr-3174	215	24	team	team	NOUN
fsr-3174	215	25	,	,	PUNCT
fsr-3174	215	26	2019b	2019b	NUM
fsr-3174	215	27	,	,	PUNCT
fsr-3174	215	28	p.	p.	NOUN
fsr-3174	215	29	3	3	NUM
fsr-3174	215	30	)	)	PUNCT
fsr-3174	215	31	as	as	ADP
fsr-3174	215	32	independent	independent	ADJ
fsr-3174	215	33	variables	variable	NOUN
fsr-3174	215	34	.	.	PUNCT
fsr-3174	216	1	net	net	ADJ
fsr-3174	216	2	income	income	NOUN
fsr-3174	216	3	household	household	NOUN
fsr-3174	216	4	income	income	NOUN
fsr-3174	216	5	originates	originate	NOUN
fsr-3174	216	6	from	from	ADP
fsr-3174	216	7	different	different	ADJ
fsr-3174	216	8	sources	source	NOUN
fsr-3174	216	9	,	,	PUNCT
fsr-3174	216	10	in	in	ADP
fsr-3174	216	11	particular	particular	ADJ
fsr-3174	216	12	from	from	ADP
fsr-3174	216	13	employment	employment	NOUN
fsr-3174	216	14	,	,	PUNCT
fsr-3174	216	15	selfemployment	selfemployment	NOUN
fsr-3174	216	16	,	,	PUNCT
fsr-3174	216	17	and	and	CCONJ
fsr-3174	216	18	pensions	pension	NOUN
fsr-3174	216	19	(	(	PUNCT
fsr-3174	216	20	phf	phf	NOUN
fsr-3174	216	21	survey	survey	NOUN
fsr-3174	216	22	team	team	NOUN
fsr-3174	216	23	,	,	PUNCT
fsr-3174	216	24	2019b	2019b	NUM
fsr-3174	216	25	,	,	PUNCT
fsr-3174	216	26	pp	pp	ADJ
fsr-3174	216	27	.	.	PUNCT
fsr-3174	217	1	4	4	NUM
fsr-3174	217	2	-	-	SYM
fsr-3174	217	3	5	5	NUM
fsr-3174	217	4	)	)	PUNCT
fsr-3174	217	5	.	.	PUNCT
fsr-3174	218	1	for	for	ADP
fsr-3174	218	2	a	a	DET
fsr-3174	218	3	more	more	ADV
fsr-3174	218	4	realistic	realistic	ADJ
fsr-3174	218	5	analysis	analysis	NOUN
fsr-3174	218	6	,	,	PUNCT
fsr-3174	218	7	we	we	PRON
fsr-3174	218	8	calculate	calculate	VERB
fsr-3174	218	9	a	a	DET
fsr-3174	218	10	household	household	NOUN
fsr-3174	218	11	’s	’s	PART
fsr-3174	218	12	net	net	ADJ
fsr-3174	218	13	income	income	NOUN
fsr-3174	218	14	position	position	NOUN
fsr-3174	218	15	in	in	ADP
fsr-3174	218	16	euro	euro	NOUN
fsr-3174	218	17	to	to	PART
fsr-3174	218	18	approximate	approximate	VERB
fsr-3174	218	19	a	a	DET
fsr-3174	218	20	possible	possible	ADJ
fsr-3174	218	21	volume	volume	NOUN
fsr-3174	218	22	for	for	ADP
fsr-3174	218	23	the	the	DET
fsr-3174	218	24	cmp	cmp	NOUN
fsr-3174	218	25	.	.	PUNCT
fsr-3174	219	1	the	the	DET
fsr-3174	219	2	net	net	ADJ
fsr-3174	219	3	income	income	NOUN
fsr-3174	219	4	takes	take	VERB
fsr-3174	219	5	the	the	DET
fsr-3174	219	6	estimate	estimate	NOUN
fsr-3174	219	7	of	of	ADP
fsr-3174	219	8	monthly	monthly	ADJ
fsr-3174	219	9	net	net	ADJ
fsr-3174	219	10	disposable	disposable	ADJ
fsr-3174	219	11	income	income	NOUN
fsr-3174	219	12	into	into	ADP
fsr-3174	219	13	account	account	NOUN
fsr-3174	219	14	(	(	PUNCT
fsr-3174	219	15	after	after	ADP
fsr-3174	219	16	the	the	DET
fsr-3174	219	17	deduction	deduction	NOUN
fsr-3174	219	18	of	of	ADP
fsr-3174	219	19	taxes	taxis	NOUN
fsr-3174	219	20	and	and	CCONJ
fsr-3174	219	21	social	social	ADJ
fsr-3174	219	22	security	security	NOUN
fsr-3174	219	23	contributions	contribution	NOUN
fsr-3174	219	24	;	;	PUNCT
fsr-3174	219	25	phf	phf	NOUN
fsr-3174	219	26	survey	survey	NOUN
fsr-3174	219	27	team	team	NOUN
fsr-3174	219	28	,	,	PUNCT
fsr-3174	219	29	2019a	2019a	NUM
fsr-3174	219	30	,	,	PUNCT
fsr-3174	219	31	p.	p.	NOUN
fsr-3174	219	32	38	38	NUM
fsr-3174	219	33	)	)	PUNCT
fsr-3174	219	34	,	,	PUNCT
fsr-3174	219	35	minus	minus	CCONJ
fsr-3174	219	36	total	total	ADJ
fsr-3174	219	37	expenditures	expenditure	NOUN
fsr-3174	219	38	of	of	ADP
fsr-3174	219	39	the	the	DET
fsr-3174	219	40	household	household	NOUN
fsr-3174	219	41	typically	typically	ADV
fsr-3174	219	42	spend	spend	VERB
fsr-3174	219	43	per	per	ADP
fsr-3174	219	44	month	month	NOUN
fsr-3174	219	45	on	on	ADP
fsr-3174	219	46	consumer	consumer	NOUN
fsr-3174	219	47	goods	good	NOUN
fsr-3174	219	48	and	and	CCONJ
fsr-3174	219	49	services	service	NOUN
fsr-3174	219	50	(	(	PUNCT
fsr-3174	219	51	without	without	ADP
fsr-3174	219	52	financial	financial	ADJ
fsr-3174	219	53	payments	payment	NOUN
fsr-3174	219	54	)	)	PUNCT
fsr-3174	219	55	(	(	PUNCT
fsr-3174	219	56	e.g	e.g	PROPN
fsr-3174	219	57	..	..	PUNCT
fsr-3174	219	58	loan	loan	NOUN
fsr-3174	219	59	repayments	repayment	NOUN
fsr-3174	219	60	)	)	PUNCT
fsr-3174	219	61	(	(	PUNCT
fsr-3174	219	62	phf	phf	NOUN
fsr-3174	219	63	survey	survey	NOUN
fsr-3174	219	64	team	team	NOUN
fsr-3174	219	65	,	,	PUNCT
fsr-3174	219	66	2019a	2019a	NUM
fsr-3174	219	67	,	,	PUNCT
fsr-3174	219	68	p.	p.	NOUN
fsr-3174	219	69	35	35	NUM
fsr-3174	219	70	)	)	PUNCT
fsr-3174	219	71	,	,	PUNCT
fsr-3174	219	72	and	and	CCONJ
fsr-3174	219	73	minus	minus	CCONJ
fsr-3174	219	74	payments	payment	NOUN
fsr-3174	219	75	for	for	ADP
fsr-3174	219	76	household	household	NOUN
fsr-3174	219	77	’s	’s	PART
fsr-3174	219	78	total	total	ADJ
fsr-3174	219	79	debt	debt	NOUN
fsr-3174	219	80	(	(	PUNCT
fsr-3174	219	81	phf	phf	NOUN
fsr-3174	219	82	survey	survey	NOUN
fsr-3174	219	83	team	team	NOUN
fsr-3174	219	84	,	,	PUNCT
fsr-3174	219	85	2019b	2019b	NUM
fsr-3174	219	86	,	,	PUNCT
fsr-3174	219	87	p.	p.	NOUN
fsr-3174	219	88	6	6	NUM
fsr-3174	219	89	)	)	PUNCT
fsr-3174	219	90	.	.	PUNCT
fsr-3174	220	1	satisfaction	satisfaction	NOUN
fsr-3174	220	2	with	with	ADP
fsr-3174	220	3	life	life	NOUN
fsr-3174	220	4	(	(	PUNCT
fsr-3174	220	5	present	present	ADJ
fsr-3174	220	6	)	)	PUNCT
fsr-3174	220	7	the	the	DET
fsr-3174	220	8	phf	phf	NOUN
fsr-3174	220	9	survey	survey	NOUN
fsr-3174	220	10	provides	provide	VERB
fsr-3174	220	11	a	a	DET
fsr-3174	220	12	subjective	subjective	ADJ
fsr-3174	220	13	measure	measure	NOUN
fsr-3174	220	14	of	of	ADP
fsr-3174	220	15	satisfaction	satisfaction	NOUN
fsr-3174	220	16	that	that	PRON
fsr-3174	220	17	captures	capture	VERB
fsr-3174	220	18	the	the	DET
fsr-3174	220	19	self	self	NOUN
fsr-3174	220	20	-	-	PUNCT
fsr-3174	220	21	perceived	perceive	VERB
fsr-3174	220	22	overall	overall	ADJ
fsr-3174	220	23	satisfaction	satisfaction	NOUN
fsr-3174	220	24	status	status	NOUN
fsr-3174	220	25	.	.	PUNCT
fsr-3174	221	1	to	to	PART
fsr-3174	221	2	map	map	VERB
fsr-3174	221	3	the	the	DET
fsr-3174	221	4	current	current	ADJ
fsr-3174	221	5	life	life	NOUN
fsr-3174	221	6	situation	situation	NOUN
fsr-3174	221	7	in	in	ADP
fsr-3174	221	8	the	the	DET
fsr-3174	221	9	life	life	NOUN
fsr-3174	221	10	cycle	cycle	NOUN
fsr-3174	221	11	,	,	PUNCT
fsr-3174	221	12	we	we	PRON
fsr-3174	221	13	use	use	VERB
fsr-3174	221	14	the	the	DET
fsr-3174	221	15	question	question	NOUN
fsr-3174	221	16	about	about	ADP
fsr-3174	221	17	the	the	DET
fsr-3174	221	18	current	current	ADJ
fsr-3174	221	19	satisfaction	satisfaction	NOUN
fsr-3174	221	20	with	with	ADP
fsr-3174	221	21	life	life	NOUN
fsr-3174	221	22	as	as	ADP
fsr-3174	221	23	a	a	DET
fsr-3174	221	24	proxy	proxy	NOUN
fsr-3174	221	25	(	(	PUNCT
fsr-3174	221	26	satisfied	satisfied	ADJ
fsr-3174	221	27	overall	overall	ADV
fsr-3174	221	28	with	with	ADP
fsr-3174	221	29	life	life	NOUN
fsr-3174	221	30	at	at	ADP
fsr-3174	221	31	present	present	ADJ
fsr-3174	221	32	,	,	PUNCT
fsr-3174	221	33	0	0	PUNCT
fsr-3174	221	34	=	=	SYM
fsr-3174	221	35	totally	totally	ADV
fsr-3174	221	36	dissatisfied	dissatisfied	ADJ
fsr-3174	221	37	,	,	PUNCT
fsr-3174	221	38	10	10	NUM
fsr-3174	221	39	=	=	SYM
fsr-3174	221	40	entirely	entirely	ADV
fsr-3174	221	41	satisfied	satisfied	ADJ
fsr-3174	221	42	;	;	PUNCT
fsr-3174	221	43	phf	phf	NOUN
fsr-3174	221	44	survey	survey	NOUN
fsr-3174	221	45	team	team	NOUN
fsr-3174	221	46	,	,	PUNCT
fsr-3174	221	47	2019a	2019a	NUM
fsr-3174	221	48	,	,	PUNCT
fsr-3174	221	49	p.	p.	NOUN
fsr-3174	221	50	119	119	NUM
fsr-3174	221	51	)	)	PUNCT
fsr-3174	221	52	.	.	PUNCT
fsr-3174	222	1	planning	plan	VERB
fsr-3174	222	2	horizon	horizon	NOUN
fsr-3174	222	3	(	(	PUNCT
fsr-3174	222	4	future	future	NOUN
fsr-3174	222	5	)	)	PUNCT
fsr-3174	222	6	to	to	PART
fsr-3174	222	7	map	map	VERB
fsr-3174	222	8	the	the	DET
fsr-3174	222	9	future	future	ADJ
fsr-3174	222	10	life	life	NOUN
fsr-3174	222	11	situation	situation	NOUN
fsr-3174	222	12	in	in	ADP
fsr-3174	222	13	the	the	DET
fsr-3174	222	14	life	life	NOUN
fsr-3174	222	15	cycle	cycle	NOUN
fsr-3174	222	16	,	,	PUNCT
fsr-3174	222	17	we	we	PRON
fsr-3174	222	18	use	use	VERB
fsr-3174	222	19	the	the	DET
fsr-3174	222	20	question	question	NOUN
fsr-3174	222	21	about	about	ADP
fsr-3174	222	22	the	the	DET
fsr-3174	222	23	planning	planning	NOUN
fsr-3174	222	24	horizon	horizon	NOUN
fsr-3174	222	25	as	as	ADP
fsr-3174	222	26	a	a	DET
fsr-3174	222	27	proxy	proxy	NOUN
fsr-3174	222	28	.	.	PUNCT
fsr-3174	223	1	we	we	PRON
fsr-3174	223	2	code	code	VERB
fsr-3174	223	3	the	the	DET
fsr-3174	223	4	answers	answer	NOUN
fsr-3174	223	5	as	as	SCONJ
fsr-3174	223	6	follows	follow	VERB
fsr-3174	223	7	:	:	PUNCT
fsr-3174	223	8	0	0	PUNCT
fsr-3174	223	9	=	=	PUNCT
fsr-3174	223	10	“	"	PUNCT
fsr-3174	223	11	we	we	PRON
fsr-3174	223	12	do	do	AUX
fsr-3174	223	13	not	not	PART
fsr-3174	223	14	make	make	VERB
fsr-3174	223	15	plans	plan	NOUN
fsr-3174	223	16	in	in	ADP
fsr-3174	223	17	advance	advance	NOUN
fsr-3174	223	18	”	"	PUNCT
fsr-3174	223	19	;	;	PUNCT
fsr-3174	223	20	1	1	NUM
fsr-3174	223	21	=	=	PUNCT
fsr-3174	223	22	“	"	PUNCT
fsr-3174	223	23	a	a	DET
fsr-3174	223	24	few	few	ADJ
fsr-3174	223	25	months	month	NOUN
fsr-3174	223	26	”	"	PUNCT
fsr-3174	223	27	;	;	PUNCT
fsr-3174	223	28	2	2	X
fsr-3174	223	29	=	=	SYM
fsr-3174	223	30	“	"	PUNCT
fsr-3174	223	31	one	one	NUM
fsr-3174	223	32	year	year	NOUN
fsr-3174	223	33	”	"	PUNCT
fsr-3174	223	34	;	;	PUNCT
fsr-3174	223	35	3	3	NUM
fsr-3174	223	36	=	=	PUNCT
fsr-3174	223	37	“	"	PUNCT
fsr-3174	223	38	a	a	DET
fsr-3174	223	39	few	few	ADJ
fsr-3174	223	40	years	year	NOUN
fsr-3174	223	41	”	"	PUNCT
fsr-3174	223	42	;	;	PUNCT
fsr-3174	223	43	4	4	NUM
fsr-3174	223	44	=	=	SYM
fsr-3174	223	45	“	"	PUNCT
fsr-3174	223	46	5	5	NUM
fsr-3174	223	47	to	to	PART
fsr-3174	223	48	10	10	NUM
fsr-3174	223	49	years	year	NOUN
fsr-3174	223	50	”	"	PUNCT
fsr-3174	223	51	;	;	PUNCT
fsr-3174	223	52	5	5	NUM
fsr-3174	223	53	=	=	PUNCT
fsr-3174	223	54	“	"	PUNCT
fsr-3174	223	55	more	more	ADJ
fsr-3174	223	56	than	than	ADP
fsr-3174	223	57	10	10	NUM
fsr-3174	223	58	years	year	NOUN
fsr-3174	223	59	”	"	PUNCT
fsr-3174	223	60	.	.	PUNCT
fsr-3174	224	1	age	age	NOUN
fsr-3174	224	2	we	we	PRON
fsr-3174	224	3	use	use	VERB
fsr-3174	224	4	the	the	DET
fsr-3174	224	5	variable	variable	ADJ
fsr-3174	224	6	age	age	NOUN
fsr-3174	224	7	as	as	ADP
fsr-3174	224	8	an	an	DET
fsr-3174	224	9	additional	additional	ADJ
fsr-3174	224	10	proxy	proxy	NOUN
fsr-3174	224	11	for	for	ADP
fsr-3174	224	12	the	the	DET
fsr-3174	224	13	life	life	NOUN
fsr-3174	224	14	-	-	PUNCT
fsr-3174	224	15	cycle	cycle	NOUN
fsr-3174	224	16	status	status	NOUN
fsr-3174	224	17	(	(	PUNCT
fsr-3174	224	18	e.g.	e.g.	ADV
fsr-3174	224	19	oehler	oehler	NOUN
fsr-3174	224	20	et	et	PROPN
fsr-3174	224	21	al	al	PROPN
fsr-3174	224	22	.	.	PROPN
fsr-3174	224	23	,	,	PUNCT
fsr-3174	224	24	2022a	2022a	NUM
fsr-3174	224	25	)	)	PUNCT
fsr-3174	224	26	.	.	PUNCT
fsr-3174	225	1	age	age	NOUN
fsr-3174	225	2	is	be	AUX
fsr-3174	225	3	calculated	calculate	VERB
fsr-3174	225	4	as	as	ADP
fsr-3174	225	5	the	the	DET
fsr-3174	225	6	difference	difference	NOUN
fsr-3174	225	7	between	between	ADP
fsr-3174	225	8	2017	2017	NUM
fsr-3174	225	9	(	(	PUNCT
fsr-3174	225	10	the	the	DET
fsr-3174	225	11	year	year	NOUN
fsr-3174	225	12	when	when	SCONJ
fsr-3174	225	13	the	the	DET
fsr-3174	225	14	third	third	ADJ
fsr-3174	225	15	wave	wave	NOUN
fsr-3174	225	16	of	of	ADP
fsr-3174	225	17	the	the	DET
fsr-3174	225	18	survey	survey	NOUN
fsr-3174	225	19	was	be	AUX
fsr-3174	225	20	conducted	conduct	VERB
fsr-3174	225	21	)	)	PUNCT
fsr-3174	225	22	and	and	CCONJ
fsr-3174	225	23	the	the	DET
fsr-3174	225	24	year	year	NOUN
fsr-3174	225	25	of	of	ADP
fsr-3174	225	26	birth	birth	NOUN
fsr-3174	225	27	of	of	ADP
fsr-3174	225	28	the	the	DET
fsr-3174	225	29	fkp	fkp	NOUN
fsr-3174	225	30	.	.	PUNCT
fsr-3174	226	1	some	some	DET
fsr-3174	226	2	empirical	empirical	ADJ
fsr-3174	226	3	studies	study	NOUN
fsr-3174	226	4	have	have	AUX
fsr-3174	226	5	also	also	ADV
fsr-3174	226	6	used	use	VERB
fsr-3174	226	7	the	the	DET
fsr-3174	226	8	squared	squared	ADJ
fsr-3174	226	9	age	age	NOUN
fsr-3174	226	10	and	and	CCONJ
fsr-3174	226	11	higher	high	ADJ
fsr-3174	226	12	moments	moment	NOUN
fsr-3174	226	13	of	of	ADP
fsr-3174	226	14	age	age	NOUN
fsr-3174	226	15	(	(	PUNCT
fsr-3174	226	16	ameriks	ameriks	PROPN
fsr-3174	226	17	&	&	CCONJ
fsr-3174	226	18	zeldes	zelde	NOUN
fsr-3174	226	19	,	,	PUNCT
fsr-3174	226	20	2004	2004	NUM
fsr-3174	226	21	;	;	PUNCT
fsr-3174	226	22	cocco	cocco	PROPN
fsr-3174	226	23	et	et	PROPN
fsr-3174	226	24	al	al	PROPN
fsr-3174	226	25	.	.	PROPN
fsr-3174	226	26	,	,	PUNCT
fsr-3174	226	27	2005	2005	NUM
fsr-3174	226	28	;	;	PUNCT
fsr-3174	226	29	guiso	guiso	PROPN
fsr-3174	226	30	&	&	CCONJ
fsr-3174	226	31	sodini	sodini	PROPN
fsr-3174	226	32	,	,	PUNCT
fsr-3174	226	33	2013	2013	NUM
fsr-3174	226	34	;	;	PUNCT
fsr-3174	226	35	fagereng	fagereng	PROPN
fsr-3174	226	36	et	et	PROPN
fsr-3174	226	37	al	al	PROPN
fsr-3174	226	38	.	.	PROPN
fsr-3174	226	39	,	,	PUNCT
fsr-3174	226	40	2017	2017	NUM
fsr-3174	226	41	;	;	PUNCT
fsr-3174	226	42	fey	fey	PROPN
fsr-3174	226	43	et	et	PROPN
fsr-3174	226	44	al	al	PROPN
fsr-3174	226	45	.	.	PROPN
fsr-3174	226	46	,	,	PUNCT
fsr-3174	226	47	2020	2020	NUM
fsr-3174	226	48	;	;	PUNCT
fsr-3174	226	49	kaustia	kaustia	PROPN
fsr-3174	226	50	et	et	PROPN
fsr-3174	226	51	al	al	PROPN
fsr-3174	226	52	.	.	PROPN
fsr-3174	226	53	,	,	PUNCT
fsr-3174	226	54	2023	2023	NUM
fsr-3174	226	55	;	;	PUNCT
fsr-3174	226	56	poterba	poterba	NOUN
fsr-3174	226	57	&	&	CCONJ
fsr-3174	226	58	samwick	samwick	PROPN
fsr-3174	226	59	,	,	PUNCT
fsr-3174	226	60	2001	2001	NUM
fsr-3174	226	61	)	)	PUNCT
fsr-3174	226	62	.	.	PUNCT
fsr-3174	227	1	when	when	SCONJ
fsr-3174	227	2	we	we	PRON
fsr-3174	227	3	use	use	VERB
fsr-3174	227	4	the	the	DET
fsr-3174	227	5	age	age	NOUN
fsr-3174	227	6	squared	square	VERB
fsr-3174	227	7	,	,	PUNCT
fsr-3174	227	8	the	the	DET
fsr-3174	227	9	results	result	NOUN
fsr-3174	227	10	of	of	ADP
fsr-3174	227	11	our	our	PRON
fsr-3174	227	12	model	model	NOUN
fsr-3174	227	13	differ	differ	VERB
fsr-3174	227	14	only	only	ADV
fsr-3174	227	15	marginally	marginally	ADV
fsr-3174	227	16	.	.	PUNCT
fsr-3174	228	1	hence	hence	ADV
fsr-3174	228	2	,	,	PUNCT
fsr-3174	228	3	we	we	PRON
fsr-3174	228	4	only	only	ADV
fsr-3174	228	5	use	use	VERB
fsr-3174	228	6	age	age	NOUN
fsr-3174	228	7	for	for	ADP
fsr-3174	228	8	a	a	DET
fsr-3174	228	9	more	more	ADV
fsr-3174	228	10	intuitive	intuitive	ADJ
fsr-3174	228	11	interpretation	interpretation	NOUN
fsr-3174	228	12	.	.	PUNCT
fsr-3174	229	1	gender	gender	NOUN
fsr-3174	229	2	following	follow	VERB
fsr-3174	229	3	the	the	DET
fsr-3174	229	4	literature	literature	NOUN
fsr-3174	229	5	we	we	PRON
fsr-3174	229	6	control	control	VERB
fsr-3174	229	7	for	for	ADP
fsr-3174	229	8	gender	gender	NOUN
fsr-3174	229	9	effects	effect	NOUN
fsr-3174	229	10	by	by	ADP
fsr-3174	229	11	including	include	VERB
fsr-3174	229	12	the	the	DET
fsr-3174	229	13	gender	gender	NOUN
fsr-3174	229	14	of	of	ADP
fsr-3174	229	15	the	the	DET
fsr-3174	229	16	financially	financially	ADV
fsr-3174	229	17	knowledgeable	knowledgeable	ADJ
fsr-3174	229	18	person	person	NOUN
fsr-3174	229	19	(	(	PUNCT
fsr-3174	229	20	fkp	fkp	PROPN
fsr-3174	229	21	)	)	PUNCT
fsr-3174	229	22	as	as	ADP
fsr-3174	229	23	dummy	dummy	ADJ
fsr-3174	229	24	variable	variable	NOUN
fsr-3174	229	25	(	(	PUNCT
fsr-3174	229	26	1	1	NUM
fsr-3174	229	27	=	=	SYM
fsr-3174	229	28	male	male	NOUN
fsr-3174	229	29	,	,	PUNCT
fsr-3174	229	30	2	2	NUM
fsr-3174	229	31	=	=	SYM
fsr-3174	229	32	female	female	NOUN
fsr-3174	229	33	;	;	PUNCT
fsr-3174	229	34	phf	phf	NOUN
fsr-3174	229	35	survey	survey	NOUN
fsr-3174	229	36	team	team	NOUN
fsr-3174	229	37	,	,	PUNCT
fsr-3174	229	38	2019a	2019a	NUM
fsr-3174	229	39	,	,	PUNCT
fsr-3174	229	40	p.	p.	NOUN
fsr-3174	229	41	168	168	NUM
fsr-3174	229	42	)	)	PUNCT
fsr-3174	229	43	.	.	PUNCT
fsr-3174	230	1	the	the	DET
fsr-3174	230	2	analysis	analysis	NOUN
fsr-3174	230	3	of	of	ADP
fsr-3174	230	4	hanna	hanna	PROPN
fsr-3174	230	5	et	et	PROPN
fsr-3174	230	6	al	al	PROPN
fsr-3174	230	7	.	.	PROPN
fsr-3174	230	8	(	(	PUNCT
fsr-3174	230	9	2021	2021	NUM
fsr-3174	230	10	)	)	PUNCT
fsr-3174	230	11	on	on	ADP
fsr-3174	230	12	whether	whether	SCONJ
fsr-3174	230	13	the	the	DET
fsr-3174	230	14	husband	husband	NOUN
fsr-3174	230	15	or	or	CCONJ
fsr-3174	230	16	wife	wife	NOUN
fsr-3174	230	17	was	be	AUX
fsr-3174	230	18	the	the	DET
fsr-3174	230	19	financially	financially	ADV
fsr-3174	230	20	knowledgeable	knowledgeable	ADJ
fsr-3174	230	21	person	person	NOUN
fsr-3174	230	22	(	(	PUNCT
fsr-3174	230	23	fkp	fkp	PROPN
fsr-3174	230	24	)	)	PUNCT
fsr-3174	230	25	showed	show	VERB
fsr-3174	230	26	a	a	DET
fsr-3174	230	27	strong	strong	ADJ
fsr-3174	230	28	effect	effect	NOUN
fsr-3174	230	29	of	of	ADP
fsr-3174	230	30	the	the	DET
fsr-3174	230	31	spouse	spouse	NOUN
fsr-3174	230	32	with	with	ADP
fsr-3174	230	33	more	more	ADJ
fsr-3174	230	34	education	education	NOUN
fsr-3174	230	35	being	be	AUX
fsr-3174	230	36	the	the	DET
fsr-3174	230	37	respondent	respondent	NOUN
fsr-3174	230	38	.	.	PUNCT
fsr-3174	231	1	education	education	NOUN
fsr-3174	231	2	according	accord	VERB
fsr-3174	231	3	to	to	ADP
fsr-3174	231	4	cole	cole	PROPN
fsr-3174	231	5	et	et	PROPN
fsr-3174	231	6	al	al	PROPN
fsr-3174	231	7	.	.	PROPN
fsr-3174	232	1	(	(	PUNCT
fsr-3174	232	2	2012	2012	NUM
fsr-3174	232	3	)	)	PUNCT
fsr-3174	232	4	,	,	PUNCT
fsr-3174	232	5	guiso	guiso	PROPN
fsr-3174	232	6	and	and	CCONJ
fsr-3174	232	7	sodini	sodini	PROPN
fsr-3174	232	8	(	(	PUNCT
fsr-3174	232	9	2013	2013	NUM
fsr-3174	232	10	)	)	PUNCT
fsr-3174	232	11	,	,	PUNCT
fsr-3174	232	12	calvet	calvet	NOUN
fsr-3174	232	13	and	and	CCONJ
fsr-3174	232	14	sodini	sodini	PROPN
fsr-3174	232	15	(	(	PUNCT
fsr-3174	232	16	2014	2014	NUM
fsr-3174	232	17	)	)	PUNCT
fsr-3174	232	18	,	,	PUNCT
fsr-3174	232	19	bannier	bannier	NOUN
fsr-3174	232	20	and	and	CCONJ
fsr-3174	232	21	schwarz	schwarz	PROPN
fsr-3174	232	22	(	(	PUNCT
fsr-3174	232	23	2018	2018	NUM
fsr-3174	232	24	)	)	PUNCT
fsr-3174	232	25	,	,	PUNCT
fsr-3174	232	26	laurinaityte	laurinaityte	NOUN
fsr-3174	232	27	(	(	PUNCT
fsr-3174	232	28	2018	2018	NUM
fsr-3174	232	29	)	)	PUNCT
fsr-3174	232	30	,	,	PUNCT
fsr-3174	232	31	kaustia	kaustia	PROPN
fsr-3174	232	32	et	et	PROPN
fsr-3174	232	33	al	al	PROPN
fsr-3174	232	34	.	.	PROPN
fsr-3174	233	1	(	(	PUNCT
fsr-3174	233	2	2019	2019	NUM
fsr-3174	233	3	)	)	PUNCT
fsr-3174	233	4	,	,	PUNCT
fsr-3174	233	5	bucher	bucher	NOUN
fsr-3174	233	6	-	-	PUNCT
fsr-3174	233	7	koenen	koenen	NOUN
fsr-3174	233	8	et	et	PROPN
fsr-3174	233	9	al	al	PROPN
fsr-3174	233	10	.	.	PROPN
fsr-3174	233	11	(	(	PUNCT
fsr-3174	233	12	2021	2021	NUM
fsr-3174	233	13	)	)	PUNCT
fsr-3174	233	14	,	,	PUNCT
fsr-3174	233	15	bucherkoenen	bucherkoenen	NOUN
fsr-3174	233	16	and	and	CCONJ
fsr-3174	233	17	knebel	knebel	NOUN
fsr-3174	233	18	(	(	PUNCT
fsr-3174	233	19	2021	2021	NUM
fsr-3174	233	20	)	)	PUNCT
fsr-3174	233	21	,	,	PUNCT
fsr-3174	233	22	and	and	CCONJ
fsr-3174	233	23	hammer	hammer	NOUN
fsr-3174	233	24	et	et	PROPN
fsr-3174	233	25	al	al	PROPN
fsr-3174	233	26	.	.	PROPN
fsr-3174	234	1	(	(	PUNCT
fsr-3174	234	2	2022	2022	NUM
fsr-3174	234	3	)	)	PUNCT
fsr-3174	234	4	the	the	DET
fsr-3174	234	5	basic	basic	ADJ
fsr-3174	234	6	and	and	CCONJ
fsr-3174	234	7	main	main	ADJ
fsr-3174	234	8	drivers	driver	NOUN
fsr-3174	234	9	of	of	ADP
fsr-3174	234	10	financial	financial	ADJ
fsr-3174	234	11	literacy	literacy	NOUN
fsr-3174	234	12	are	be	AUX
fsr-3174	234	13	the	the	DET
fsr-3174	234	14	formal	formal	ADJ
fsr-3174	234	15	level	level	NOUN
fsr-3174	234	16	of	of	ADP
fsr-3174	234	17	education	education	NOUN
fsr-3174	234	18	in	in	ADP
fsr-3174	234	19	school	school	NOUN
fsr-3174	234	20	and	and	CCONJ
fsr-3174	234	21	the	the	DET
fsr-3174	234	22	formal	formal	ADJ
fsr-3174	234	23	level	level	NOUN
fsr-3174	234	24	of	of	ADP
fsr-3174	234	25	professional	professional	ADJ
fsr-3174	234	26	education	education	NOUN
fsr-3174	234	27	.	.	PUNCT
fsr-3174	235	1	we	we	PRON
fsr-3174	235	2	combine	combine	VERB
fsr-3174	235	3	the	the	DET
fsr-3174	235	4	highest	high	ADJ
fsr-3174	235	5	level	level	NOUN
fsr-3174	235	6	of	of	ADP
fsr-3174	235	7	school	school	NOUN
fsr-3174	235	8	education	education	NOUN
fsr-3174	235	9	completed	complete	VERB
fsr-3174	235	10	(	(	PUNCT
fsr-3174	235	11	scale	scale	NOUN
fsr-3174	235	12	from	from	ADP
fsr-3174	235	13	6	6	NUM
fsr-3174	235	14	=	=	SYM
fsr-3174	235	15	”	"	PUNCT
fsr-3174	235	16	general	general	ADJ
fsr-3174	235	17	or	or	CCONJ
fsr-3174	235	18	specific	specific	ADJ
fsr-3174	235	19	upper	upper	ADJ
fsr-3174	235	20	level	level	NOUN
fsr-3174	235	21	secondary	secondary	ADJ
fsr-3174	235	22	school	school	NOUN
fsr-3174	235	23	permitting	permit	VERB
fsr-3174	235	24	admission	admission	NOUN
fsr-3174	235	25	to	to	ADP
fsr-3174	235	26	university	university	NOUN
fsr-3174	235	27	”	"	PUNCT
fsr-3174	235	28	to	to	ADP
fsr-3174	235	29	1	1	NUM
fsr-3174	235	30	=	=	SYM
fsr-3174	235	31	”	"	PUNCT
fsr-3174	235	32	currently	currently	ADV
fsr-3174	235	33	still	still	ADV
fsr-3174	235	34	a	a	DET
fsr-3174	235	35	pupil	pupil	NOUN
fsr-3174	235	36	”	"	PUNCT
fsr-3174	235	37	with	with	ADP
fsr-3174	235	38	0	0	NUM
fsr-3174	235	39	=	=	SYM
fsr-3174	235	40	no	no	DET
fsr-3174	235	41	answer	answer	NOUN
fsr-3174	235	42	/	/	PUNCT
fsr-3174	235	43	no	no	DET
fsr-3174	235	44	school	school	NOUN
fsr-3174	235	45	degree	degree	NOUN
fsr-3174	235	46	)	)	PUNCT
fsr-3174	235	47	and	and	CCONJ
fsr-3174	235	48	financial	financial	ADJ
fsr-3174	235	49	services	service	NOUN
fsr-3174	235	50	review	review	NOUN
fsr-3174	235	51	,	,	PUNCT
fsr-3174	235	52	31(4	31(4	NUM
fsr-3174	235	53	)	)	PUNCT
fsr-3174	235	54	292	292	NUM
fsr-3174	235	55	the	the	DET
fsr-3174	235	56	highest	high	ADJ
fsr-3174	235	57	level	level	NOUN
fsr-3174	235	58	of	of	ADP
fsr-3174	235	59	professional	professional	ADJ
fsr-3174	235	60	education	education	NOUN
fsr-3174	235	61	completed	complete	VERB
fsr-3174	235	62	(	(	PUNCT
fsr-3174	235	63	scale	scale	NOUN
fsr-3174	235	64	from	from	ADP
fsr-3174	235	65	7	7	NUM
fsr-3174	235	66	=	=	SYM
fsr-3174	235	67	”	"	PUNCT
fsr-3174	235	68	phd	phd	NOUN
fsr-3174	235	69	”	"	PUNCT
fsr-3174	235	70	to	to	ADP
fsr-3174	235	71	1	1	NUM
fsr-3174	235	72	=	=	SYM
fsr-3174	235	73	”	"	PUNCT
fsr-3174	235	74	currently	currently	ADV
fsr-3174	235	75	in	in	ADP
fsr-3174	235	76	vocational	vocational	ADJ
fsr-3174	235	77	training	training	NOUN
fsr-3174	235	78	or	or	CCONJ
fsr-3174	235	79	degree	degree	NOUN
fsr-3174	235	80	program	program	NOUN
fsr-3174	235	81	”	"	PUNCT
fsr-3174	235	82	with	with	ADP
fsr-3174	235	83	0	0	NUM
fsr-3174	235	84	=	=	SYM
fsr-3174	235	85	no	no	DET
fsr-3174	235	86	answer	answer	NOUN
fsr-3174	235	87	/	/	SYM
fsr-3174	235	88	no	no	DET
fsr-3174	235	89	higher	high	ADJ
fsr-3174	235	90	education	education	NOUN
fsr-3174	235	91	degree	degree	NOUN
fsr-3174	235	92	)	)	PUNCT
fsr-3174	235	93	in	in	ADP
fsr-3174	235	94	our	our	PRON
fsr-3174	235	95	variable	variable	ADJ
fsr-3174	235	96	education	education	NOUN
fsr-3174	235	97	(	(	PUNCT
fsr-3174	235	98	phf	phf	NOUN
fsr-3174	235	99	survey	survey	NOUN
fsr-3174	235	100	team	team	NOUN
fsr-3174	235	101	,	,	PUNCT
fsr-3174	235	102	2019b	2019b	NUM
fsr-3174	235	103	,	,	PUNCT
fsr-3174	235	104	pp	pp	ADJ
fsr-3174	235	105	.	.	PUNCT
fsr-3174	236	1	30	30	NUM
fsr-3174	236	2	-	-	SYM
fsr-3174	236	3	31	31	NUM
fsr-3174	236	4	;	;	PUNCT
fsr-3174	236	5	oehler	oehler	NOUN
fsr-3174	236	6	et	et	PROPN
fsr-3174	236	7	al	al	PROPN
fsr-3174	236	8	.	.	PROPN
fsr-3174	236	9	,	,	PUNCT
fsr-3174	236	10	2022a	2022a	NUM
fsr-3174	236	11	)	)	PUNCT
fsr-3174	236	12	.	.	PUNCT
fsr-3174	237	1	financial	financial	ADJ
fsr-3174	237	2	advice	advice	NOUN
fsr-3174	237	3	within	within	ADP
fsr-3174	237	4	the	the	DET
fsr-3174	237	5	phf	phf	NOUN
fsr-3174	237	6	survey	survey	NOUN
fsr-3174	237	7	,	,	PUNCT
fsr-3174	237	8	households	household	NOUN
fsr-3174	237	9	are	be	AUX
fsr-3174	237	10	asked	ask	VERB
fsr-3174	237	11	about	about	ADP
fsr-3174	237	12	the	the	DET
fsr-3174	237	13	financial	financial	ADJ
fsr-3174	237	14	advice	advice	NOUN
fsr-3174	237	15	obtained	obtain	VERB
fsr-3174	237	16	from	from	ADP
fsr-3174	237	17	the	the	DET
fsr-3174	237	18	household	household	NOUN
fsr-3174	237	19	’s	’s	PART
fsr-3174	237	20	main	main	ADJ
fsr-3174	237	21	bank	bank	NOUN
fsr-3174	237	22	in	in	ADP
fsr-3174	237	23	the	the	DET
fsr-3174	237	24	three	three	NUM
fsr-3174	237	25	years	year	NOUN
fsr-3174	237	26	prior	prior	ADV
fsr-3174	237	27	to	to	ADP
fsr-3174	237	28	the	the	DET
fsr-3174	237	29	interview	interview	NOUN
fsr-3174	237	30	.	.	PUNCT
fsr-3174	238	1	we	we	PRON
fsr-3174	238	2	code	code	VERB
fsr-3174	238	3	their	their	PRON
fsr-3174	238	4	answers	answer	NOUN
fsr-3174	238	5	as	as	ADP
fsr-3174	238	6	a	a	DET
fsr-3174	238	7	dummy	dummy	ADJ
fsr-3174	238	8	variable	variable	NOUN
fsr-3174	238	9	(	(	PUNCT
fsr-3174	238	10	1	1	NUM
fsr-3174	238	11	=	=	SYM
fsr-3174	238	12	advice	advice	NOUN
fsr-3174	238	13	,	,	PUNCT
fsr-3174	238	14	2	2	NUM
fsr-3174	238	15	=	=	SYM
fsr-3174	238	16	no	no	DET
fsr-3174	238	17	advice	advice	NOUN
fsr-3174	238	18	;	;	PUNCT
fsr-3174	238	19	phf	phf	NOUN
fsr-3174	238	20	survey	survey	NOUN
fsr-3174	238	21	team	team	NOUN
fsr-3174	238	22	,	,	PUNCT
fsr-3174	238	23	2019a	2019a	NUM
fsr-3174	238	24	,	,	PUNCT
fsr-3174	238	25	p.	p.	NOUN
fsr-3174	238	26	157	157	NUM
fsr-3174	238	27	)	)	PUNCT
fsr-3174	238	28	.	.	PUNCT
fsr-3174	239	1	while	while	SCONJ
fsr-3174	239	2	we	we	PRON
fsr-3174	239	3	have	have	VERB
fsr-3174	239	4	no	no	DET
fsr-3174	239	5	information	information	NOUN
fsr-3174	239	6	on	on	ADP
fsr-3174	239	7	the	the	DET
fsr-3174	239	8	frequency	frequency	NOUN
fsr-3174	239	9	at	at	ADP
fsr-3174	239	10	which	which	PRON
fsr-3174	239	11	households	household	NOUN
fsr-3174	239	12	consulted	consult	VERB
fsr-3174	239	13	their	their	PRON
fsr-3174	239	14	banks	bank	NOUN
fsr-3174	239	15	,	,	PUNCT
fsr-3174	239	16	the	the	DET
fsr-3174	239	17	content	content	NOUN
fsr-3174	239	18	of	of	ADP
fsr-3174	239	19	these	these	DET
fsr-3174	239	20	meetings	meeting	NOUN
fsr-3174	239	21	or	or	CCONJ
fsr-3174	239	22	if	if	SCONJ
fsr-3174	239	23	the	the	DET
fsr-3174	239	24	household	household	NOUN
fsr-3174	239	25	ever	ever	ADV
fsr-3174	239	26	acted	act	VERB
fsr-3174	239	27	upon	upon	SCONJ
fsr-3174	239	28	the	the	DET
fsr-3174	239	29	advice	advice	NOUN
fsr-3174	239	30	that	that	PRON
fsr-3174	239	31	it	it	PRON
fsr-3174	239	32	receives	receive	VERB
fsr-3174	239	33	,	,	PUNCT
fsr-3174	239	34	this	this	DET
fsr-3174	239	35	variable	variable	NOUN
fsr-3174	239	36	gives	give	VERB
fsr-3174	239	37	a	a	DET
fsr-3174	239	38	good	good	ADJ
fsr-3174	239	39	proxy	proxy	NOUN
fsr-3174	239	40	about	about	ADP
fsr-3174	239	41	the	the	DET
fsr-3174	239	42	household	household	NOUN
fsr-3174	239	43	’s	’s	PART
fsr-3174	239	44	general	general	ADJ
fsr-3174	239	45	willingness	willingness	NOUN
fsr-3174	239	46	to	to	PART
fsr-3174	239	47	seek	seek	VERB
fsr-3174	239	48	professional	professional	ADJ
fsr-3174	239	49	advice	advice	NOUN
fsr-3174	239	50	(	(	PUNCT
fsr-3174	239	51	fey	fey	PROPN
fsr-3174	239	52	et	et	PROPN
fsr-3174	239	53	al	al	PROPN
fsr-3174	239	54	.	.	PROPN
fsr-3174	239	55	,	,	PUNCT
fsr-3174	239	56	2020	2020	NUM
fsr-3174	239	57	)	)	PUNCT
fsr-3174	239	58	.	.	PUNCT
fsr-3174	240	1	in	in	ADP
fsr-3174	240	2	addition	addition	NOUN
fsr-3174	240	3	,	,	PUNCT
fsr-3174	240	4	it	it	PRON
fsr-3174	240	5	can	can	AUX
fsr-3174	240	6	be	be	AUX
fsr-3174	240	7	argued	argue	VERB
fsr-3174	240	8	that	that	SCONJ
fsr-3174	240	9	the	the	DET
fsr-3174	240	10	possible	possible	ADJ
fsr-3174	240	11	use	use	NOUN
fsr-3174	240	12	of	of	ADP
fsr-3174	240	13	the	the	DET
fsr-3174	240	14	bank	bank	NOUN
fsr-3174	240	15	’s	’s	PART
fsr-3174	240	16	consulting	consulting	NOUN
fsr-3174	240	17	service	service	NOUN
fsr-3174	240	18	also	also	ADV
fsr-3174	240	19	implies	imply	VERB
fsr-3174	240	20	that	that	SCONJ
fsr-3174	240	21	a	a	DET
fsr-3174	240	22	direct	direct	ADJ
fsr-3174	240	23	approach	approach	NOUN
fsr-3174	240	24	is	be	AUX
fsr-3174	240	25	made	make	VERB
fsr-3174	240	26	by	by	ADP
fsr-3174	240	27	the	the	DET
fsr-3174	240	28	main	main	ADJ
fsr-3174	240	29	bank	bank	NOUN
fsr-3174	240	30	concerned	concerned	ADJ
fsr-3174	240	31	to	to	ADP
fsr-3174	240	32	its	its	PRON
fsr-3174	240	33	customers	customer	NOUN
fsr-3174	240	34	.	.	PUNCT
fsr-3174	241	1	investment	investment	NOUN
fsr-3174	241	2	experience	experience	NOUN
fsr-3174	241	3	another	another	DET
fsr-3174	241	4	predictor	predictor	NOUN
fsr-3174	241	5	variable	variable	NOUN
fsr-3174	241	6	for	for	ADP
fsr-3174	241	7	the	the	DET
fsr-3174	241	8	cmp	cmp	NOUN
fsr-3174	241	9	is	be	AUX
fsr-3174	241	10	the	the	DET
fsr-3174	241	11	household	household	NOUN
fsr-3174	241	12	’s	’s	PART
fsr-3174	241	13	own	own	ADJ
fsr-3174	241	14	experience	experience	NOUN
fsr-3174	241	15	with	with	ADP
fsr-3174	241	16	investments	investment	NOUN
fsr-3174	241	17	in	in	ADP
fsr-3174	241	18	risky	risky	ADJ
fsr-3174	241	19	assets	asset	NOUN
fsr-3174	241	20	.	.	PUNCT
fsr-3174	242	1	the	the	DET
fsr-3174	242	2	phf	phf	NOUN
fsr-3174	242	3	survey	survey	NOUN
fsr-3174	242	4	provides	provide	VERB
fsr-3174	242	5	us	we	PRON
fsr-3174	242	6	with	with	ADP
fsr-3174	242	7	answers	answer	NOUN
fsr-3174	242	8	to	to	ADP
fsr-3174	242	9	the	the	DET
fsr-3174	242	10	question	question	NOUN
fsr-3174	242	11	on	on	ADP
fsr-3174	242	12	significant	significant	ADJ
fsr-3174	242	13	gains	gain	NOUN
fsr-3174	242	14	or	or	CCONJ
fsr-3174	242	15	losses	loss	NOUN
fsr-3174	242	16	from	from	ADP
fsr-3174	242	17	trading	trade	VERB
fsr-3174	242	18	with	with	ADP
fsr-3174	242	19	financial	financial	ADJ
fsr-3174	242	20	assets	asset	NOUN
fsr-3174	242	21	in	in	ADP
fsr-3174	242	22	the	the	DET
fsr-3174	242	23	three	three	NUM
fsr-3174	242	24	years	year	NOUN
fsr-3174	242	25	prior	prior	ADV
fsr-3174	242	26	to	to	ADP
fsr-3174	242	27	the	the	DET
fsr-3174	242	28	interview	interview	NOUN
fsr-3174	242	29	(	(	PUNCT
fsr-3174	242	30	1	1	NUM
fsr-3174	242	31	=	=	NOUN
fsr-3174	242	32	gains	gain	NOUN
fsr-3174	242	33	,	,	PUNCT
fsr-3174	242	34	2	2	NUM
fsr-3174	242	35	=	=	PUNCT
fsr-3174	242	36	neither	neither	CCONJ
fsr-3174	242	37	,	,	PUNCT
fsr-3174	242	38	3	3	NUM
fsr-3174	242	39	=	=	NOUN
fsr-3174	242	40	losses	loss	NOUN
fsr-3174	242	41	;	;	PUNCT
fsr-3174	242	42	phf	phf	NOUN
fsr-3174	242	43	survey	survey	NOUN
fsr-3174	242	44	team	team	NOUN
fsr-3174	242	45	,	,	PUNCT
fsr-3174	242	46	2019a	2019a	NUM
fsr-3174	242	47	,	,	PUNCT
fsr-3174	242	48	p.	p.	NOUN
fsr-3174	242	49	156	156	NUM
fsr-3174	242	50	)	)	PUNCT
fsr-3174	242	51	.	.	PUNCT
fsr-3174	243	1	descriptive	descriptive	ADJ
fsr-3174	243	2	statistics	statistic	NOUN
fsr-3174	243	3	and	and	CCONJ
fsr-3174	243	4	hypotheses	hypothesis	NOUN
fsr-3174	243	5	in	in	ADP
fsr-3174	243	6	the	the	DET
fsr-3174	243	7	structural	structural	ADJ
fsr-3174	243	8	model	model	NOUN
fsr-3174	243	9	table	table	NOUN
fsr-3174	243	10	1	1	NUM
fsr-3174	243	11	displays	display	VERB
fsr-3174	243	12	the	the	DET
fsr-3174	243	13	descriptive	descriptive	ADJ
fsr-3174	243	14	statistics	statistic	NOUN
fsr-3174	243	15	for	for	ADP
fsr-3174	243	16	the	the	DET
fsr-3174	243	17	variables	variable	NOUN
fsr-3174	243	18	of	of	ADP
fsr-3174	243	19	the	the	DET
fsr-3174	243	20	measurement	measurement	NOUN
fsr-3174	243	21	concepts	concept	NOUN
fsr-3174	243	22	of	of	ADP
fsr-3174	243	23	the	the	DET
fsr-3174	243	24	surveyed	survey	VERB
fsr-3174	243	25	households	household	NOUN
fsr-3174	243	26	.	.	PUNCT
fsr-3174	244	1	oehler	oehler	PROPN
fsr-3174	244	2	&	&	CCONJ
fsr-3174	244	3	horn	horn	PROPN
fsr-3174	244	4	293	293	NUM
fsr-3174	244	5	table	table	NOUN
fsr-3174	244	6	1	1	NUM
fsr-3174	244	7	.	.	PUNCT
fsr-3174	244	8	descriptive	descriptive	ADJ
fsr-3174	244	9	statistics	statistic	NOUN
fsr-3174	244	10	for	for	ADP
fsr-3174	244	11	the	the	DET
fsr-3174	244	12	variables	variable	NOUN
fsr-3174	244	13	of	of	ADP
fsr-3174	244	14	the	the	DET
fsr-3174	244	15	measurement	measurement	NOUN
fsr-3174	244	16	concepts	concept	NOUN
fsr-3174	244	17	of	of	ADP
fsr-3174	244	18	the	the	DET
fsr-3174	244	19	surveyed	survey	VERB
fsr-3174	244	20	households	household	NOUN
fsr-3174	244	21	(	(	PUNCT
fsr-3174	244	22	n	n	NOUN
fsr-3174	244	23	=	=	SYM
fsr-3174	244	24	4,538	4,538	NUM
fsr-3174	244	25	)	)	PUNCT
fsr-3174	244	26	mean	mean	NOUN
fsr-3174	244	27	median	median	PROPN
fsr-3174	244	28	sd	sd	ADP
fsr-3174	244	29	min	min	PROPN
fsr-3174	244	30	max	max	PROPN
fsr-3174	244	31	net	net	PROPN
fsr-3174	244	32	wealth	wealth	NOUN
fsr-3174	244	33	(	(	PUNCT
fsr-3174	244	34	in	in	ADP
fsr-3174	244	35	euros	euro	NOUN
fsr-3174	244	36	)	)	PUNCT
fsr-3174	244	37	518,552	518,552	NUM
fsr-3174	244	38	260,081	260,081	NUM
fsr-3174	244	39	1671,257	1671,257	NUM
fsr-3174	244	40	-1271,354	-1271,354	SYM
fsr-3174	244	41	92691,570	92691,570	NUM
fsr-3174	244	42	home	home	NOUN
fsr-3174	244	43	loan	loan	NOUN
fsr-3174	244	44	saving	saving	NOUN
fsr-3174	244	45	and	and	CCONJ
fsr-3174	244	46	hmr	hmr	PROPN
fsr-3174	244	47	mortgage	mortgage	NOUN
fsr-3174	244	48	outstanding	outstanding	ADJ
fsr-3174	244	49	(	(	PUNCT
fsr-3174	244	50	in	in	ADP
fsr-3174	244	51	euros	euro	NOUN
fsr-3174	244	52	)	)	PUNCT
fsr-3174	244	53	home	home	NOUN
fsr-3174	244	54	loan	loan	NOUN
fsr-3174	244	55	saving	save	VERB
fsr-3174	244	56	584	584	NUM
fsr-3174	244	57	0	0	NUM
fsr-3174	244	58	1,848	1,848	NUM
fsr-3174	244	59	0	0	NUM
fsr-3174	244	60	60,000	60,000	NUM
fsr-3174	244	61	hmr	hmr	NOUN
fsr-3174	244	62	mortgage	mortgage	NOUN
fsr-3174	244	63	outstanding	outstanding	ADJ
fsr-3174	244	64	27,223	27,223	NUM
fsr-3174	244	65	0	0	NUM
fsr-3174	244	66	71,701	71,701	NUM
fsr-3174	244	67	0	0	NUM
fsr-3174	244	68	980,00	980,00	NUM
fsr-3174	244	69	voluntary	voluntary	ADJ
fsr-3174	244	70	pension	pension	NOUN
fsr-3174	244	71	plan	plan	NOUN
fsr-3174	244	72	and	and	CCONJ
fsr-3174	244	73	whole	whole	ADJ
fsr-3174	244	74	life	life	NOUN
fsr-3174	244	75	insurance	insurance	NOUN
fsr-3174	244	76	(	(	PUNCT
fsr-3174	244	77	in	in	ADP
fsr-3174	244	78	euros	euro	NOUN
fsr-3174	244	79	)	)	PUNCT
fsr-3174	244	80	voluntary	voluntary	ADJ
fsr-3174	244	81	pension	pension	NOUN
fsr-3174	244	82	plan	plan	NOUN
fsr-3174	244	83	22,804	22,804	NUM
fsr-3174	244	84	1,400	1,400	NUM
fsr-3174	244	85	48,246	48,246	NUM
fsr-3174	244	86	0	0	NUM
fsr-3174	244	87	662,600	662,600	NUM
fsr-3174	244	88	whole	whole	ADJ
fsr-3174	244	89	life	life	NOUN
fsr-3174	244	90	insurance	insurance	NOUN
fsr-3174	244	91	15,828	15,828	NUM
fsr-3174	244	92	0	0	NUM
fsr-3174	244	93	43,241	43,241	NUM
fsr-3174	244	94	0	0	NUM
fsr-3174	244	95	800,000	800,000	NUM
fsr-3174	244	96	net	net	ADJ
fsr-3174	244	97	income	income	NOUN
fsr-3174	244	98	(	(	PUNCT
fsr-3174	244	99	in	in	ADP
fsr-3174	244	100	euros	euro	NOUN
fsr-3174	244	101	)	)	PUNCT
fsr-3174	244	102	2,842	2,842	NUM
fsr-3174	244	103	1,900	1,900	NUM
fsr-3174	244	104	9,039	9,039	NUM
fsr-3174	244	105	0	0	NUM
fsr-3174	244	106	*	*	SYM
fsr-3174	244	107	149,600	149,600	NUM
fsr-3174	244	108	satisfaction	satisfaction	NOUN
fsr-3174	244	109	with	with	ADP
fsr-3174	244	110	life	life	NOUN
fsr-3174	244	111	(	(	PUNCT
fsr-3174	244	112	present	present	ADJ
fsr-3174	244	113	)	)	PUNCT
fsr-3174	244	114	7.57	7.57	NUM
fsr-3174	244	115	8	8	NUM
fsr-3174	244	116	1.80	1.80	NUM
fsr-3174	244	117	0	0	NUM
fsr-3174	244	118	10	10	NUM
fsr-3174	244	119	planning	planning	NOUN
fsr-3174	244	120	horizon	horizon	NOUN
fsr-3174	244	121	(	(	PUNCT
fsr-3174	244	122	future	future	NOUN
fsr-3174	244	123	)	)	PUNCT
fsr-3174	244	124	2.20	2.20	NUM
fsr-3174	244	125	2	2	NUM
fsr-3174	244	126	1.53	1.53	NUM
fsr-3174	244	127	0	0	NUM
fsr-3174	244	128	5	5	NUM
fsr-3174	244	129	age	age	NOUN
fsr-3174	244	130	58	58	NUM
fsr-3174	244	131	59	59	NUM
fsr-3174	244	132	16.08	16.08	NUM
fsr-3174	244	133	19	19	NUM
fsr-3174	244	134	90	90	NUM
fsr-3174	244	135	gender	gender	NOUN
fsr-3174	244	136	1.42	1.42	NUM
fsr-3174	244	137	1	1	NUM
fsr-3174	244	138	.49	.49	NUM
fsr-3174	244	139	1	1	NUM
fsr-3174	244	140	2	2	NUM
fsr-3174	244	141	education	education	NOUN
fsr-3174	244	142	level	level	NOUN
fsr-3174	244	143	of	of	ADP
fsr-3174	244	144	education	education	NOUN
fsr-3174	244	145	in	in	ADP
fsr-3174	244	146	school	school	NOUN
fsr-3174	244	147	4.21	4.21	NUM
fsr-3174	244	148	4	4	NUM
fsr-3174	244	149	1.67	1.67	NUM
fsr-3174	244	150	0	0	NUM
fsr-3174	244	151	6	6	NUM
fsr-3174	244	152	level	level	NOUN
fsr-3174	244	153	of	of	ADP
fsr-3174	244	154	professional	professional	ADJ
fsr-3174	244	155	education	education	NOUN
fsr-3174	244	156	3.66	3.66	NUM
fsr-3174	244	157	3	3	NUM
fsr-3174	244	158	2.02	2.02	NUM
fsr-3174	244	159	0	0	NUM
fsr-3174	244	160	7	7	NUM
fsr-3174	244	161	financial	financial	ADJ
fsr-3174	244	162	advice	advice	NOUN
fsr-3174	244	163	1.71	1.71	NUM
fsr-3174	244	164	2	2	NUM
fsr-3174	244	165	.45	.45	NUM
fsr-3174	244	166	1	1	NUM
fsr-3174	244	167	2	2	NUM
fsr-3174	244	168	investment	investment	NOUN
fsr-3174	244	169	experience	experience	NOUN
fsr-3174	244	170	1.94	1.94	NUM
fsr-3174	244	171	2	2	NUM
fsr-3174	244	172	.012	.012	NUM
fsr-3174	244	173	1	1	NUM
fsr-3174	244	174	3	3	NUM
fsr-3174	244	175	capital	capital	NOUN
fsr-3174	244	176	market	market	NOUN
fsr-3174	244	177	participation	participation	NOUN
fsr-3174	244	178	(	(	PUNCT
fsr-3174	244	179	cmp	cmp	NOUN
fsr-3174	244	180	)	)	PUNCT
fsr-3174	244	181	mutual	mutual	ADJ
fsr-3174	244	182	funds	fund	NOUN
fsr-3174	244	183	.27	.27	NUM
fsr-3174	244	184	0	0	NUM
fsr-3174	244	185	.44	.44	NUM
fsr-3174	244	186	0	0	NUM
fsr-3174	244	187	1	1	NUM
fsr-3174	244	188	bonds	bond	NOUN
fsr-3174	244	189	.07	.07	NUM
fsr-3174	244	190	0	0	NUM
fsr-3174	244	191	.26	.26	NUM
fsr-3174	244	192	0	0	NUM
fsr-3174	244	193	1	1	NUM
fsr-3174	244	194	stocks	stock	NOUN
fsr-3174	244	195	.23	.23	NUM
fsr-3174	244	196	0	0	NUM
fsr-3174	244	197	.42	.42	NUM
fsr-3174	244	198	0	0	NUM
fsr-3174	244	199	1	1	NUM
fsr-3174	244	200	financial	financial	ADJ
fsr-3174	244	201	literacy	literacy	NOUN
fsr-3174	244	202	fin_lit_score	fin_lit_score	ADJ
fsr-3174	244	203	3.22	3.22	NUM
fsr-3174	244	204	3	3	NUM
fsr-3174	244	205	.95	.95	NUM
fsr-3174	244	206	1	1	NUM
fsr-3174	244	207	4	4	NUM
fsr-3174	244	208	fin_lit_training	fin_lit_traine	VERB
fsr-3174	244	209	.27	.27	NUM
fsr-3174	244	210	0	0	NUM
fsr-3174	244	211	.45	.45	NUM
fsr-3174	244	212	0	0	NUM
fsr-3174	244	213	1	1	NUM
fsr-3174	244	214	risk	risk	NOUN
fsr-3174	244	215	attitude	attitude	NOUN
fsr-3174	244	216	riskfin	riskfin	ADJ
fsr-3174	244	217	3.63	3.63	NUM
fsr-3174	244	218	4	4	NUM
fsr-3174	244	219	.53	.53	NUM
fsr-3174	244	220	1	1	NUM
fsr-3174	244	221	4	4	NUM
fsr-3174	244	222	riskgen	riskgen	NOUN
fsr-3174	244	223	5.86	5.86	NUM
fsr-3174	244	224	6	6	NUM
fsr-3174	244	225	2.16	2.16	NUM
fsr-3174	244	226	0	0	NUM
fsr-3174	244	227	10	10	NUM
fsr-3174	244	228	notes	note	NOUN
fsr-3174	244	229	:	:	PUNCT
fsr-3174	244	230	table	table	NOUN
fsr-3174	244	231	1	1	NUM
fsr-3174	244	232	displays	display	VERB
fsr-3174	244	233	the	the	DET
fsr-3174	244	234	descriptive	descriptive	ADJ
fsr-3174	244	235	statistics	statistic	NOUN
fsr-3174	244	236	for	for	ADP
fsr-3174	244	237	the	the	DET
fsr-3174	244	238	variables	variable	NOUN
fsr-3174	244	239	of	of	ADP
fsr-3174	244	240	the	the	DET
fsr-3174	244	241	measurement	measurement	NOUN
fsr-3174	244	242	concepts	concept	NOUN
fsr-3174	244	243	of	of	ADP
fsr-3174	244	244	the	the	DET
fsr-3174	244	245	surveyed	survey	VERB
fsr-3174	244	246	households	household	NOUN
fsr-3174	244	247	.	.	PUNCT
fsr-3174	245	1	for	for	ADP
fsr-3174	245	2	each	each	DET
fsr-3174	245	3	variable	variable	NOUN
fsr-3174	245	4	we	we	PRON
fsr-3174	245	5	provide	provide	VERB
fsr-3174	245	6	mean	mean	NOUN
fsr-3174	245	7	value	value	NOUN
fsr-3174	245	8	(	(	PUNCT
fsr-3174	245	9	mean	mean	NOUN
fsr-3174	245	10	)	)	PUNCT
fsr-3174	245	11	,	,	PUNCT
fsr-3174	245	12	median	median	ADJ
fsr-3174	245	13	value	value	NOUN
fsr-3174	245	14	(	(	PUNCT
fsr-3174	245	15	median	median	NOUN
fsr-3174	245	16	)	)	PUNCT
fsr-3174	245	17	,	,	PUNCT
fsr-3174	245	18	standard	standard	ADJ
fsr-3174	245	19	deviation	deviation	NOUN
fsr-3174	245	20	(	(	PUNCT
fsr-3174	245	21	sd	sd	NOUN
fsr-3174	245	22	)	)	PUNCT
fsr-3174	245	23	,	,	PUNCT
fsr-3174	245	24	minimum	minimum	NOUN
fsr-3174	245	25	value	value	NOUN
fsr-3174	245	26	(	(	PUNCT
fsr-3174	245	27	min	min	NOUN
fsr-3174	245	28	)	)	PUNCT
fsr-3174	245	29	,	,	PUNCT
fsr-3174	245	30	and	and	CCONJ
fsr-3174	245	31	maximum	maximum	ADJ
fsr-3174	245	32	value	value	NOUN
fsr-3174	245	33	(	(	PUNCT
fsr-3174	245	34	max	max	PROPN
fsr-3174	245	35	)	)	PUNCT
fsr-3174	245	36	.	.	PUNCT
fsr-3174	246	1	example	example	NOUN
fsr-3174	246	2	:	:	PUNCT
fsr-3174	246	3	the	the	DET
fsr-3174	246	4	mean	mean	ADJ
fsr-3174	246	5	value	value	NOUN
fsr-3174	246	6	of	of	ADP
fsr-3174	246	7	fin_lit_score	fin_lit_score	ADJ
fsr-3174	246	8	is	be	AUX
fsr-3174	246	9	3.22	3.22	NUM
fsr-3174	246	10	with	with	ADP
fsr-3174	246	11	a	a	DET
fsr-3174	246	12	standard	standard	ADJ
fsr-3174	246	13	deviation	deviation	NOUN
fsr-3174	246	14	of	of	ADP
fsr-3174	246	15	.95	.95	NUM
fsr-3174	246	16	,	,	PUNCT
fsr-3174	246	17	the	the	DET
fsr-3174	246	18	median	median	NOUN
fsr-3174	246	19	is	be	AUX
fsr-3174	246	20	3	3	NUM
fsr-3174	246	21	with	with	ADP
fsr-3174	246	22	a	a	DET
fsr-3174	246	23	range	range	NOUN
fsr-3174	246	24	from	from	ADP
fsr-3174	246	25	1	1	NUM
fsr-3174	246	26	to	to	ADP
fsr-3174	246	27	4	4	NUM
fsr-3174	246	28	.	.	PUNCT
fsr-3174	247	1	*	*	PUNCT
fsr-3174	247	2	variable	variable	ADJ
fsr-3174	247	3	net	net	ADJ
fsr-3174	247	4	income	income	NOUN
fsr-3174	247	5	:	:	PUNCT
fsr-3174	247	6	negative	negative	ADJ
fsr-3174	247	7	values	value	NOUN
fsr-3174	247	8	were	be	AUX
fsr-3174	247	9	replaced	replace	VERB
fsr-3174	247	10	by	by	ADP
fsr-3174	247	11	the	the	DET
fsr-3174	247	12	value	value	NOUN
fsr-3174	247	13	0	0	NUM
fsr-3174	247	14	because	because	SCONJ
fsr-3174	247	15	these	these	PRON
fsr-3174	247	16	were	be	AUX
fsr-3174	247	17	likely	likely	ADV
fsr-3174	247	18	caused	cause	VERB
fsr-3174	247	19	by	by	ADP
fsr-3174	247	20	inputations	inputation	NOUN
fsr-3174	247	21	(	(	PUNCT
fsr-3174	247	22	n	n	NOUN
fsr-3174	247	23	=	=	SYM
fsr-3174	247	24	120	120	NUM
fsr-3174	247	25	)	)	PUNCT
fsr-3174	247	26	.	.	PUNCT
fsr-3174	248	1	figure	figure	NOUN
fsr-3174	248	2	1	1	NUM
fsr-3174	248	3	illustrates	illustrate	VERB
fsr-3174	248	4	an	an	DET
fsr-3174	248	5	overview	overview	NOUN
fsr-3174	248	6	of	of	ADP
fsr-3174	248	7	the	the	DET
fsr-3174	248	8	hypothesized	hypothesized	ADJ
fsr-3174	248	9	relationships	relationship	NOUN
fsr-3174	248	10	and	and	CCONJ
fsr-3174	248	11	the	the	DET
fsr-3174	248	12	expected	expect	VERB
fsr-3174	248	13	effects	effect	NOUN
fsr-3174	248	14	between	between	ADP
fsr-3174	248	15	the	the	DET
fsr-3174	248	16	dependent	dependent	ADJ
fsr-3174	248	17	variables	variable	NOUN
fsr-3174	248	18	(	(	PUNCT
fsr-3174	248	19	capital	capital	NOUN
fsr-3174	248	20	market	market	NOUN
fsr-3174	248	21	participation	participation	NOUN
fsr-3174	248	22	(	(	PUNCT
fsr-3174	248	23	cmp	cmp	NOUN
fsr-3174	248	24	)	)	PUNCT
fsr-3174	248	25	,	,	PUNCT
fsr-3174	248	26	risk	risk	NOUN
fsr-3174	248	27	attitude	attitude	NOUN
fsr-3174	248	28	,	,	PUNCT
fsr-3174	248	29	financial	financial	ADJ
fsr-3174	248	30	literacy	literacy	NOUN
fsr-3174	248	31	)	)	PUNCT
fsr-3174	248	32	and	and	CCONJ
fsr-3174	248	33	the	the	DET
fsr-3174	248	34	independent	independent	ADJ
fsr-3174	248	35	variables	variable	NOUN
fsr-3174	248	36	.	.	PUNCT
fsr-3174	249	1	financial	financial	ADJ
fsr-3174	249	2	services	service	NOUN
fsr-3174	249	3	review	review	NOUN
fsr-3174	249	4	,	,	PUNCT
fsr-3174	249	5	31(4	31(4	NUM
fsr-3174	249	6	)	)	PUNCT
fsr-3174	249	7	294	294	NUM
fsr-3174	249	8	figure	figure	NOUN
fsr-3174	249	9	1	1	NUM
fsr-3174	249	10	.	.	PUNCT
fsr-3174	249	11	hypotheses	hypothesis	NOUN
fsr-3174	249	12	in	in	ADP
fsr-3174	249	13	the	the	DET
fsr-3174	249	14	structural	structural	ADJ
fsr-3174	249	15	model	model	NOUN
fsr-3174	249	16	consistent	consistent	ADJ
fsr-3174	249	17	with	with	ADP
fsr-3174	249	18	the	the	DET
fsr-3174	249	19	literature	literature	NOUN
fsr-3174	249	20	,	,	PUNCT
fsr-3174	249	21	we	we	PRON
fsr-3174	249	22	expect	expect	VERB
fsr-3174	249	23	higher	high	ADJ
fsr-3174	249	24	cmp	cmp	NOUN
fsr-3174	249	25	with	with	ADP
fsr-3174	249	26	higher	high	ADJ
fsr-3174	249	27	financial	financial	ADJ
fsr-3174	249	28	literacy	literacy	NOUN
fsr-3174	249	29	and	and	CCONJ
fsr-3174	249	30	a	a	DET
fsr-3174	249	31	lower	low	ADJ
fsr-3174	249	32	degree	degree	NOUN
fsr-3174	249	33	of	of	ADP
fsr-3174	249	34	risk	risk	NOUN
fsr-3174	249	35	aversion	aversion	NOUN
fsr-3174	249	36	.	.	PUNCT
fsr-3174	250	1	financial	financial	ADJ
fsr-3174	250	2	literacy	literacy	NOUN
fsr-3174	250	3	should	should	AUX
fsr-3174	250	4	be	be	AUX
fsr-3174	250	5	higher	high	ADJ
fsr-3174	250	6	among	among	ADP
fsr-3174	250	7	better	well	ADV
fsr-3174	250	8	educated	educate	VERB
fsr-3174	250	9	,	,	PUNCT
fsr-3174	250	10	younger	young	ADJ
fsr-3174	250	11	male	male	ADJ
fsr-3174	250	12	fkps	fkps	NOUN
fsr-3174	250	13	.	.	PUNCT
fsr-3174	251	1	risk	risk	NOUN
fsr-3174	251	2	aversion	aversion	NOUN
fsr-3174	251	3	should	should	AUX
fsr-3174	251	4	decrease	decrease	VERB
fsr-3174	251	5	with	with	ADP
fsr-3174	251	6	higher	high	ADJ
fsr-3174	251	7	financial	financial	ADJ
fsr-3174	251	8	literacy	literacy	NOUN
fsr-3174	251	9	,	,	PUNCT
fsr-3174	251	10	net	net	ADJ
fsr-3174	251	11	income	income	NOUN
fsr-3174	251	12	and	and	CCONJ
fsr-3174	251	13	wealth	wealth	NOUN
fsr-3174	251	14	,	,	PUNCT
fsr-3174	251	15	satisfaction	satisfaction	NOUN
fsr-3174	251	16	in	in	ADP
fsr-3174	251	17	life	life	NOUN
fsr-3174	251	18	,	,	PUNCT
fsr-3174	251	19	positive	positive	ADJ
fsr-3174	251	20	investment	investment	NOUN
fsr-3174	251	21	experiences	experience	NOUN
fsr-3174	251	22	,	,	PUNCT
fsr-3174	251	23	and	and	CCONJ
fsr-3174	251	24	financial	financial	ADJ
fsr-3174	251	25	advice	advice	NOUN
fsr-3174	251	26	.	.	PUNCT
fsr-3174	252	1	older	old	ADJ
fsr-3174	252	2	and	and	CCONJ
fsr-3174	252	3	female	female	ADJ
fsr-3174	252	4	fkps	fkps	NOUN
fsr-3174	252	5	should	should	AUX
fsr-3174	252	6	show	show	VERB
fsr-3174	252	7	a	a	DET
fsr-3174	252	8	higher	high	ADJ
fsr-3174	252	9	degree	degree	NOUN
fsr-3174	252	10	of	of	ADP
fsr-3174	252	11	risk	risk	NOUN
fsr-3174	252	12	aversion	aversion	NOUN
fsr-3174	252	13	.	.	PUNCT
fsr-3174	253	1	cmp	cmp	PROPN
fsr-3174	253	2	should	should	AUX
fsr-3174	253	3	be	be	AUX
fsr-3174	253	4	higher	high	ADJ
fsr-3174	253	5	among	among	ADP
fsr-3174	253	6	older	old	ADJ
fsr-3174	253	7	,	,	PUNCT
fsr-3174	253	8	male	male	ADJ
fsr-3174	253	9	fkps	fkps	NOUN
fsr-3174	253	10	that	that	PRON
fsr-3174	253	11	received	receive	VERB
fsr-3174	253	12	financial	financial	ADJ
fsr-3174	253	13	advice	advice	NOUN
fsr-3174	253	14	,	,	PUNCT
fsr-3174	253	15	have	have	VERB
fsr-3174	253	16	a	a	DET
fsr-3174	253	17	higher	high	ADJ
fsr-3174	253	18	degree	degree	NOUN
fsr-3174	253	19	of	of	ADP
fsr-3174	253	20	satisfaction	satisfaction	NOUN
fsr-3174	253	21	in	in	ADP
fsr-3174	253	22	life	life	NOUN
fsr-3174	253	23	,	,	PUNCT
fsr-3174	253	24	longer	long	ADV
fsr-3174	253	25	planning	plan	VERB
fsr-3174	253	26	horizon	horizon	NOUN
fsr-3174	253	27	,	,	PUNCT
fsr-3174	253	28	better	well	ADJ
fsr-3174	253	29	investment	investment	NOUN
fsr-3174	253	30	experience	experience	NOUN
fsr-3174	253	31	,	,	PUNCT
fsr-3174	253	32	investments	investment	NOUN
fsr-3174	253	33	in	in	ADP
fsr-3174	253	34	voluntary	voluntary	ADJ
fsr-3174	253	35	pension	pension	NOUN
fsr-3174	253	36	plans	plan	NOUN
fsr-3174	253	37	/	/	SYM
fsr-3174	253	38	whole	whole	ADJ
fsr-3174	253	39	life	life	NOUN
fsr-3174	253	40	insurances	insurance	NOUN
fsr-3174	253	41	,	,	PUNCT
fsr-3174	253	42	and	and	CCONJ
fsr-3174	253	43	higher	high	ADJ
fsr-3174	253	44	net	net	ADJ
fsr-3174	253	45	income	income	NOUN
fsr-3174	253	46	and	and	CCONJ
fsr-3174	253	47	wealth	wealth	NOUN
fsr-3174	253	48	.	.	PUNCT
fsr-3174	254	1	home	home	NOUN
fsr-3174	254	2	loan	loan	NOUN
fsr-3174	254	3	savings	saving	NOUN
fsr-3174	254	4	or	or	CCONJ
fsr-3174	254	5	an	an	DET
fsr-3174	254	6	outstanding	outstanding	ADJ
fsr-3174	254	7	mortgage	mortgage	NOUN
fsr-3174	254	8	should	should	AUX
fsr-3174	254	9	have	have	VERB
fsr-3174	254	10	a	a	DET
fsr-3174	254	11	negative	negative	ADJ
fsr-3174	254	12	influence	influence	NOUN
fsr-3174	254	13	on	on	ADP
fsr-3174	254	14	cmp	cmp	PROPN
fsr-3174	254	15	.	.	PUNCT
fsr-3174	255	1	results	result	VERB
fsr-3174	255	2	structural	structural	ADJ
fsr-3174	255	3	model	model	NOUN
fsr-3174	255	4	the	the	DET
fsr-3174	255	5	results	result	NOUN
fsr-3174	255	6	support	support	VERB
fsr-3174	255	7	the	the	DET
fsr-3174	255	8	hypothesized	hypothesized	ADJ
fsr-3174	255	9	relationships	relationship	NOUN
fsr-3174	255	10	in	in	ADP
fsr-3174	255	11	our	our	PRON
fsr-3174	255	12	structural	structural	ADJ
fsr-3174	255	13	equation	equation	NOUN
fsr-3174	255	14	model	model	NOUN
fsr-3174	255	15	presented	present	VERB
fsr-3174	255	16	in	in	ADP
fsr-3174	255	17	figure	figure	NOUN
fsr-3174	255	18	1	1	NUM
fsr-3174	255	19	.	.	PUNCT
fsr-3174	256	1	we	we	PRON
fsr-3174	256	2	provide	provide	VERB
fsr-3174	256	3	the	the	DET
fsr-3174	256	4	results	result	NOUN
fsr-3174	256	5	of	of	ADP
fsr-3174	256	6	the	the	DET
fsr-3174	256	7	structural	structural	ADJ
fsr-3174	256	8	equation	equation	NOUN
fsr-3174	256	9	model	model	NOUN
fsr-3174	256	10	in	in	ADP
fsr-3174	256	11	table	table	NOUN
fsr-3174	256	12	2	2	NUM
fsr-3174	256	13	.	.	PUNCT
fsr-3174	256	14	oehler	oehler	PROPN
fsr-3174	256	15	&	&	CCONJ
fsr-3174	256	16	horn	horn	PROPN
fsr-3174	256	17	295	295	NUM
fsr-3174	256	18	table	table	NOUN
fsr-3174	256	19	2	2	NUM
fsr-3174	256	20	.	.	PUNCT
fsr-3174	256	21	results	result	NOUN
fsr-3174	256	22	of	of	ADP
fsr-3174	256	23	the	the	DET
fsr-3174	256	24	structural	structural	ADJ
fsr-3174	256	25	equation	equation	NOUN
fsr-3174	256	26	model	model	NOUN
fsr-3174	256	27	(	(	PUNCT
fsr-3174	256	28	standardized	standardized	ADJ
fsr-3174	256	29	estimates	estimate	NOUN
fsr-3174	256	30	)	)	PUNCT
fsr-3174	256	31	panel	panel	NOUN
fsr-3174	256	32	a	a	DET
fsr-3174	256	33	model	model	NOUN
fsr-3174	256	34	fit	fit	ADJ
fsr-3174	256	35	indices	index	NOUN
fsr-3174	256	36	value	value	VERB
fsr-3174	256	37	rmsea	rmsea	NOUN
fsr-3174	256	38	.041	.041	NUM
fsr-3174	256	39	panel	panel	NOUN
fsr-3174	256	40	b	b	PROPN
fsr-3174	256	41	squared	square	VERB
fsr-3174	256	42	multiple	multiple	ADJ
fsr-3174	256	43	correlations	correlation	NOUN
fsr-3174	256	44	(	(	PUNCT
fsr-3174	256	45	smc	smc	PROPN
fsr-3174	256	46	)	)	PUNCT
fsr-3174	256	47	of	of	ADP
fsr-3174	256	48	the	the	DET
fsr-3174	256	49	endogenous	endogenous	ADJ
fsr-3174	256	50	(	(	PUNCT
fsr-3174	256	51	dependent	dependent	ADJ
fsr-3174	256	52	)	)	PUNCT
fsr-3174	256	53	variables	variable	NOUN
fsr-3174	256	54	value	value	VERB
fsr-3174	256	55	capital	capital	NOUN
fsr-3174	256	56	market	market	NOUN
fsr-3174	256	57	participation	participation	NOUN
fsr-3174	256	58	(	(	PUNCT
fsr-3174	256	59	cmp	cmp	NOUN
fsr-3174	256	60	)	)	PUNCT
fsr-3174	256	61	.59	.59	NUM
fsr-3174	256	62	financial	financial	ADJ
fsr-3174	256	63	literacy	literacy	NOUN
fsr-3174	256	64	.64	.64	NUM
fsr-3174	256	65	risk	risk	NOUN
fsr-3174	256	66	attitude	attitude	NOUN
fsr-3174	256	67	.39	.39	NUM
fsr-3174	256	68	panel	panel	NOUN
fsr-3174	256	69	c	c	PROPN
fsr-3174	256	70	standardized	standardize	VERB
fsr-3174	256	71	total	total	ADJ
fsr-3174	256	72	effects	effect	NOUN
fsr-3174	256	73	dependent	dependent	ADJ
fsr-3174	256	74	variables	variable	NOUN
fsr-3174	256	75	independent	independent	ADJ
fsr-3174	256	76	variables	variable	NOUN
fsr-3174	256	77	value	value	NOUN
fsr-3174	256	78	capital	capital	NOUN
fsr-3174	256	79	market	market	NOUN
fsr-3174	256	80	participation	participation	NOUN
fsr-3174	256	81	financial	financial	ADJ
fsr-3174	256	82	literacy	literacy	NOUN
fsr-3174	256	83	.43	.43	NUM
fsr-3174	256	84	*	*	PUNCT
fsr-3174	256	85	*	*	PUNCT
fsr-3174	256	86	*	*	PUNCT
fsr-3174	256	87	capital	capital	NOUN
fsr-3174	256	88	market	market	NOUN
fsr-3174	256	89	participation	participation	NOUN
fsr-3174	256	90	risk	risk	NOUN
fsr-3174	256	91	attitude	attitude	NOUN
fsr-3174	256	92	-.53	-.53	NOUN
fsr-3174	256	93	*	*	NOUN
fsr-3174	256	94	*	*	NOUN
fsr-3174	256	95	*	*	PUNCT
fsr-3174	256	96	risk	risk	NOUN
fsr-3174	256	97	attitude	attitude	NOUN
fsr-3174	256	98	financial	financial	ADJ
fsr-3174	256	99	literacy	literacy	NOUN
fsr-3174	256	100	-.47	-.47	PUNCT
fsr-3174	256	101	*	*	NOUN
fsr-3174	256	102	*	*	PUNCT
fsr-3174	256	103	*	*	PUNCT
fsr-3174	256	104	capital	capital	NOUN
fsr-3174	256	105	market	market	NOUN
fsr-3174	256	106	participation	participation	NOUN
fsr-3174	256	107	net	net	ADJ
fsr-3174	256	108	wealth	wealth	NOUN
fsr-3174	256	109	.11	.11	NUM
fsr-3174	256	110	*	*	PUNCT
fsr-3174	256	111	*	*	PUNCT
fsr-3174	256	112	*	*	PUNCT
fsr-3174	256	113	capital	capital	NOUN
fsr-3174	256	114	market	market	NOUN
fsr-3174	256	115	participation	participation	NOUN
fsr-3174	256	116	home	home	NOUN
fsr-3174	256	117	loan	loan	NOUN
fsr-3174	256	118	saving	saving	NOUN
fsr-3174	256	119	and	and	CCONJ
fsr-3174	256	120	hmr	hmr	PROPN
fsr-3174	256	121	mortgage	mortgage	NOUN
fsr-3174	256	122	outstanding	outstanding	ADJ
fsr-3174	256	123	-.06	-.06	NOUN
fsr-3174	256	124	*	*	ADJ
fsr-3174	256	125	capital	capital	NOUN
fsr-3174	256	126	market	market	NOUN
fsr-3174	256	127	participation	participation	NOUN
fsr-3174	256	128	voluntary	voluntary	ADJ
fsr-3174	256	129	pension	pension	NOUN
fsr-3174	256	130	plan	plan	NOUN
fsr-3174	256	131	and	and	CCONJ
fsr-3174	256	132	whole	whole	ADJ
fsr-3174	256	133	life	life	NOUN
fsr-3174	256	134	insurance	insurance	NOUN
fsr-3174	256	135	.15	.15	NUM
fsr-3174	256	136	*	*	PUNCT
fsr-3174	256	137	*	*	PUNCT
fsr-3174	256	138	*	*	PUNCT
fsr-3174	256	139	capital	capital	NOUN
fsr-3174	256	140	market	market	NOUN
fsr-3174	256	141	participation	participation	NOUN
fsr-3174	256	142	net	net	ADJ
fsr-3174	256	143	income	income	NOUN
fsr-3174	256	144	.00	.00	NUM
fsr-3174	256	145	capital	capital	NOUN
fsr-3174	256	146	market	market	NOUN
fsr-3174	256	147	participation	participation	NOUN
fsr-3174	256	148	satisfaction	satisfaction	NOUN
fsr-3174	256	149	with	with	ADP
fsr-3174	256	150	life	life	NOUN
fsr-3174	256	151	(	(	PUNCT
fsr-3174	256	152	present	present	ADJ
fsr-3174	256	153	)	)	PUNCT
fsr-3174	256	154	.08	.08	NUM
fsr-3174	256	155	capital	capital	NOUN
fsr-3174	256	156	market	market	NOUN
fsr-3174	256	157	participation	participation	NOUN
fsr-3174	256	158	planning	planning	NOUN
fsr-3174	256	159	horizon	horizon	NOUN
fsr-3174	256	160	(	(	PUNCT
fsr-3174	256	161	future	future	NOUN
fsr-3174	256	162	)	)	PUNCT
fsr-3174	256	163	.09	.09	NUM
fsr-3174	256	164	*	*	PUNCT
fsr-3174	256	165	*	*	PUNCT
fsr-3174	256	166	*	*	PUNCT
fsr-3174	256	167	capital	capital	NOUN
fsr-3174	256	168	market	market	NOUN
fsr-3174	256	169	participation	participation	NOUN
fsr-3174	256	170	age	age	NOUN
fsr-3174	256	171	.17	.17	NUM
fsr-3174	256	172	*	*	PUNCT
fsr-3174	256	173	*	*	PUNCT
fsr-3174	256	174	*	*	PUNCT
fsr-3174	256	175	capital	capital	NOUN
fsr-3174	256	176	market	market	NOUN
fsr-3174	256	177	participation	participation	NOUN
fsr-3174	256	178	gender	gender	NOUN
fsr-3174	256	179	-.09	-.09	PROPN
fsr-3174	256	180	*	*	PROPN
fsr-3174	256	181	*	*	NOUN
fsr-3174	256	182	capital	capital	NOUN
fsr-3174	256	183	market	market	NOUN
fsr-3174	256	184	participation	participation	NOUN
fsr-3174	256	185	financial	financial	ADJ
fsr-3174	256	186	advice	advice	NOUN
fsr-3174	256	187	-.21	-.21	NOUN
fsr-3174	256	188	*	*	NOUN
fsr-3174	256	189	*	*	NOUN
fsr-3174	256	190	*	*	PUNCT
fsr-3174	256	191	capital	capital	NOUN
fsr-3174	256	192	market	market	NOUN
fsr-3174	256	193	participation	participation	NOUN
fsr-3174	256	194	investment	investment	NOUN
fsr-3174	256	195	experience	experience	NOUN
fsr-3174	256	196	-.20	-.20	PUNCT
fsr-3174	256	197	*	*	PUNCT
fsr-3174	256	198	*	*	PUNCT
fsr-3174	256	199	*	*	PUNCT
fsr-3174	256	200	financial	financial	ADJ
fsr-3174	256	201	services	service	NOUN
fsr-3174	256	202	review	review	NOUN
fsr-3174	256	203	,	,	PUNCT
fsr-3174	256	204	31(4	31(4	NUM
fsr-3174	256	205	)	)	PUNCT
fsr-3174	256	206	296	296	NUM
fsr-3174	256	207	table	table	NOUN
fsr-3174	256	208	2	2	NUM
fsr-3174	256	209	(	(	PUNCT
fsr-3174	256	210	continued	continue	VERB
fsr-3174	256	211	)	)	PUNCT
fsr-3174	256	212	.	.	PUNCT
fsr-3174	257	1	results	result	NOUN
fsr-3174	257	2	of	of	ADP
fsr-3174	257	3	the	the	DET
fsr-3174	257	4	structural	structural	ADJ
fsr-3174	257	5	equation	equation	NOUN
fsr-3174	257	6	model	model	NOUN
fsr-3174	257	7	(	(	PUNCT
fsr-3174	257	8	standardized	standardized	ADJ
fsr-3174	257	9	estimates	estimate	NOUN
fsr-3174	257	10	)	)	PUNCT
fsr-3174	257	11	panel	panel	NOUN
fsr-3174	257	12	c	c	PROPN
fsr-3174	257	13	(	(	PUNCT
fsr-3174	257	14	continued	continue	VERB
fsr-3174	257	15	)	)	PUNCT
fsr-3174	257	16	standardized	standardize	VERB
fsr-3174	257	17	total	total	ADJ
fsr-3174	257	18	effects	effect	NOUN
fsr-3174	257	19	dependent	dependent	ADJ
fsr-3174	257	20	variables	variable	NOUN
fsr-3174	257	21	independent	independent	ADJ
fsr-3174	257	22	variables	variable	NOUN
fsr-3174	257	23	value	value	VERB
fsr-3174	257	24	financial	financial	ADJ
fsr-3174	257	25	literacy	literacy	NOUN
fsr-3174	257	26	education	education	NOUN
fsr-3174	257	27	.69	.69	NUM
fsr-3174	257	28	*	*	PUNCT
fsr-3174	257	29	*	*	PUNCT
fsr-3174	257	30	*	*	PUNCT
fsr-3174	257	31	financial	financial	ADJ
fsr-3174	257	32	literacy	literacy	NOUN
fsr-3174	257	33	gender	gender	NOUN
fsr-3174	257	34	-.15	-.15	PUNCT
fsr-3174	257	35	*	*	PUNCT
fsr-3174	257	36	*	*	PUNCT
fsr-3174	257	37	*	*	PUNCT
fsr-3174	257	38	financial	financial	ADJ
fsr-3174	257	39	literacy	literacy	NOUN
fsr-3174	257	40	age	age	NOUN
fsr-3174	257	41	-.25	-.25	NOUN
fsr-3174	257	42	*	*	PUNCT
fsr-3174	257	43	*	*	PUNCT
fsr-3174	257	44	*	*	PUNCT
fsr-3174	257	45	risk	risk	NOUN
fsr-3174	257	46	attitude	attitude	NOUN
fsr-3174	257	47	net	net	ADJ
fsr-3174	257	48	wealth	wealth	NOUN
fsr-3174	257	49	-.09	-.09	PROPN
fsr-3174	257	50	*	*	PUNCT
fsr-3174	257	51	*	*	NOUN
fsr-3174	257	52	*	*	PUNCT
fsr-3174	257	53	risk	risk	NOUN
fsr-3174	257	54	attitude	attitude	NOUN
fsr-3174	257	55	net	net	ADJ
fsr-3174	257	56	income	income	NOUN
fsr-3174	257	57	-.04	-.04	NOUN
fsr-3174	257	58	risk	risk	NOUN
fsr-3174	257	59	attitude	attitude	NOUN
fsr-3174	257	60	investment	investment	NOUN
fsr-3174	257	61	experience	experience	NOUN
fsr-3174	257	62	.19	.19	NUM
fsr-3174	257	63	*	*	PUNCT
fsr-3174	257	64	*	*	PUNCT
fsr-3174	257	65	*	*	PUNCT
fsr-3174	257	66	risk	risk	NOUN
fsr-3174	257	67	attitude	attitude	NOUN
fsr-3174	257	68	financial	financial	ADJ
fsr-3174	257	69	advice	advice	NOUN
fsr-3174	257	70	.08	.08	NUM
fsr-3174	257	71	*	*	PUNCT
fsr-3174	257	72	*	*	PUNCT
fsr-3174	257	73	*	*	PUNCT
fsr-3174	257	74	risk	risk	NOUN
fsr-3174	257	75	attitude	attitude	NOUN
fsr-3174	257	76	satisfaction	satisfaction	NOUN
fsr-3174	257	77	with	with	ADP
fsr-3174	257	78	life	life	NOUN
fsr-3174	257	79	(	(	PUNCT
fsr-3174	257	80	present	present	ADJ
fsr-3174	257	81	)	)	PUNCT
fsr-3174	257	82	-.09	-.09	PROPN
fsr-3174	257	83	*	*	PUNCT
fsr-3174	257	84	*	*	NOUN
fsr-3174	257	85	*	*	PUNCT
fsr-3174	257	86	risk	risk	NOUN
fsr-3174	257	87	attitude	attitude	NOUN
fsr-3174	257	88	gender	gender	NOUN
fsr-3174	257	89	.21	.21	NUM
fsr-3174	257	90	*	*	PUNCT
fsr-3174	257	91	*	*	PUNCT
fsr-3174	257	92	*	*	PUNCT
fsr-3174	257	93	risk	risk	NOUN
fsr-3174	257	94	attitude	attitude	NOUN
fsr-3174	257	95	age	age	NOUN
fsr-3174	257	96	.14	.14	NUM
fsr-3174	257	97	*	*	PUNCT
fsr-3174	257	98	*	*	NOUN
fsr-3174	257	99	notes	note	VERB
fsr-3174	257	100	:	:	PUNCT
fsr-3174	257	101	we	we	PRON
fsr-3174	257	102	provide	provide	VERB
fsr-3174	257	103	the	the	DET
fsr-3174	257	104	fit	fit	ADJ
fsr-3174	257	105	indices	index	NOUN
fsr-3174	257	106	for	for	ADP
fsr-3174	257	107	the	the	DET
fsr-3174	257	108	full	full	ADJ
fsr-3174	257	109	model	model	NOUN
fsr-3174	257	110	in	in	ADP
fsr-3174	257	111	panel	panel	NOUN
fsr-3174	257	112	a.	a.	NOUN
fsr-3174	257	113	given	give	VERB
fsr-3174	257	114	the	the	DET
fsr-3174	257	115	benchmark	benchmark	NOUN
fsr-3174	257	116	values	value	NOUN
fsr-3174	257	117	from	from	ADP
fsr-3174	257	118	the	the	DET
fsr-3174	257	119	literature	literature	NOUN
fsr-3174	257	120	(	(	PUNCT
fsr-3174	257	121	see	see	VERB
fsr-3174	257	122	section	section	NOUN
fsr-3174	257	123	4.1	4.1	NUM
fsr-3174	257	124	)	)	PUNCT
fsr-3174	257	125	our	our	PRON
fsr-3174	257	126	model	model	NOUN
fsr-3174	257	127	has	have	VERB
fsr-3174	257	128	a	a	DET
fsr-3174	257	129	very	very	ADV
fsr-3174	257	130	good	good	ADJ
fsr-3174	257	131	fit	fit	NOUN
fsr-3174	257	132	.	.	PUNCT
fsr-3174	258	1	panel	panel	NOUN
fsr-3174	258	2	b	b	PROPN
fsr-3174	258	3	shows	show	VERB
fsr-3174	258	4	the	the	DET
fsr-3174	258	5	squared	square	VERB
fsr-3174	258	6	multiple	multiple	ADJ
fsr-3174	258	7	correlations	correlation	NOUN
fsr-3174	258	8	(	(	PUNCT
fsr-3174	258	9	smc	smc	PROPN
fsr-3174	258	10	)	)	PUNCT
fsr-3174	258	11	of	of	ADP
fsr-3174	258	12	the	the	DET
fsr-3174	258	13	latent	latent	NOUN
fsr-3174	258	14	endogenous	endogenous	ADJ
fsr-3174	258	15	variables	variable	NOUN
fsr-3174	258	16	(	(	PUNCT
fsr-3174	258	17	proportion	proportion	NOUN
fsr-3174	258	18	of	of	ADP
fsr-3174	258	19	explained	explain	VERB
fsr-3174	258	20	variance	variance	NOUN
fsr-3174	258	21	)	)	PUNCT
fsr-3174	258	22	in	in	ADP
fsr-3174	258	23	which	which	PRON
fsr-3174	258	24	59	59	NUM
fsr-3174	258	25	%	%	NOUN
fsr-3174	258	26	of	of	ADP
fsr-3174	258	27	the	the	DET
fsr-3174	258	28	variance	variance	NOUN
fsr-3174	258	29	is	be	AUX
fsr-3174	258	30	in	in	ADP
fsr-3174	258	31	capital	capital	NOUN
fsr-3174	258	32	market	market	NOUN
fsr-3174	258	33	participation	participation	NOUN
fsr-3174	258	34	,	,	PUNCT
fsr-3174	258	35	39	39	NUM
fsr-3174	258	36	%	%	NOUN
fsr-3174	258	37	is	be	AUX
fsr-3174	258	38	in	in	ADP
fsr-3174	258	39	risk	risk	NOUN
fsr-3174	258	40	attitude	attitude	NOUN
fsr-3174	258	41	,	,	PUNCT
fsr-3174	258	42	and	and	CCONJ
fsr-3174	258	43	64	64	NUM
fsr-3174	258	44	%	%	NOUN
fsr-3174	258	45	in	in	ADP
fsr-3174	258	46	financial	financial	ADJ
fsr-3174	258	47	literacy	literacy	NOUN
fsr-3174	258	48	are	be	AUX
fsr-3174	258	49	explained	explain	VERB
fsr-3174	258	50	by	by	ADP
fsr-3174	258	51	the	the	DET
fsr-3174	258	52	latent	latent	NOUN
fsr-3174	258	53	variables	variable	NOUN
fsr-3174	258	54	.	.	PUNCT
fsr-3174	259	1	according	accord	VERB
fsr-3174	259	2	to	to	ADP
fsr-3174	259	3	the	the	DET
fsr-3174	259	4	reference	reference	NOUN
fsr-3174	259	5	in	in	ADP
fsr-3174	259	6	the	the	DET
fsr-3174	259	7	literature	literature	NOUN
fsr-3174	259	8	(	(	PUNCT
fsr-3174	259	9	see	see	VERB
fsr-3174	259	10	section	section	NOUN
fsr-3174	259	11	4.2	4.2	NUM
fsr-3174	259	12	)	)	PUNCT
fsr-3174	259	13	,	,	PUNCT
fsr-3174	259	14	this	this	PRON
fsr-3174	259	15	is	be	AUX
fsr-3174	259	16	a	a	DET
fsr-3174	259	17	substantial	substantial	ADJ
fsr-3174	259	18	value	value	NOUN
fsr-3174	259	19	for	for	ADP
fsr-3174	259	20	capital	capital	NOUN
fsr-3174	259	21	market	market	NOUN
fsr-3174	259	22	participation	participation	NOUN
fsr-3174	259	23	and	and	CCONJ
fsr-3174	259	24	for	for	ADP
fsr-3174	259	25	financial	financial	ADJ
fsr-3174	259	26	literacy	literacy	NOUN
fsr-3174	259	27	,	,	PUNCT
fsr-3174	259	28	and	and	CCONJ
fsr-3174	259	29	a	a	DET
fsr-3174	259	30	moderate	moderate	ADJ
fsr-3174	259	31	value	value	NOUN
fsr-3174	259	32	for	for	ADP
fsr-3174	259	33	risk	risk	NOUN
fsr-3174	259	34	attitude	attitude	NOUN
fsr-3174	259	35	.	.	PUNCT
fsr-3174	260	1	panel	panel	NOUN
fsr-3174	260	2	c	c	PROPN
fsr-3174	260	3	displays	display	VERB
fsr-3174	260	4	the	the	DET
fsr-3174	260	5	standardized	standardized	ADJ
fsr-3174	260	6	total	total	ADJ
fsr-3174	260	7	effects	effect	NOUN
fsr-3174	260	8	within	within	ADP
fsr-3174	260	9	the	the	DET
fsr-3174	260	10	structural	structural	ADJ
fsr-3174	260	11	model	model	NOUN
fsr-3174	260	12	.	.	PUNCT
fsr-3174	261	1	most	most	ADJ
fsr-3174	261	2	of	of	ADP
fsr-3174	261	3	the	the	DET
fsr-3174	261	4	coefficients	coefficient	NOUN
fsr-3174	261	5	are	be	AUX
fsr-3174	261	6	in	in	ADP
fsr-3174	261	7	the	the	DET
fsr-3174	261	8	proposed	propose	VERB
fsr-3174	261	9	direction	direction	NOUN
fsr-3174	261	10	and	and	CCONJ
fsr-3174	261	11	significant	significant	ADJ
fsr-3174	261	12	.	.	PUNCT
fsr-3174	262	1	for	for	ADP
fsr-3174	262	2	example	example	NOUN
fsr-3174	262	3	,	,	PUNCT
fsr-3174	262	4	financial	financial	ADJ
fsr-3174	262	5	literacy	literacy	NOUN
fsr-3174	262	6	has	have	VERB
fsr-3174	262	7	a	a	DET
fsr-3174	262	8	great	great	ADJ
fsr-3174	262	9	impact	impact	NOUN
fsr-3174	262	10	on	on	ADP
fsr-3174	262	11	capital	capital	NOUN
fsr-3174	262	12	market	market	NOUN
fsr-3174	262	13	participation	participation	NOUN
fsr-3174	262	14	(	(	PUNCT
fsr-3174	262	15	.43	.43	NUM
fsr-3174	262	16	)	)	PUNCT
fsr-3174	262	17	and	and	CCONJ
fsr-3174	262	18	risk	risk	NOUN
fsr-3174	262	19	attitude	attitude	NOUN
fsr-3174	262	20	has	have	VERB
fsr-3174	262	21	a	a	DET
fsr-3174	262	22	great	great	ADJ
fsr-3174	262	23	impact	impact	NOUN
fsr-3174	262	24	on	on	ADP
fsr-3174	262	25	capital	capital	NOUN
fsr-3174	262	26	market	market	NOUN
fsr-3174	262	27	participation	participation	NOUN
fsr-3174	262	28	(	(	PUNCT
fsr-3174	262	29	-.53	-.53	NOUN
fsr-3174	262	30	)	)	PUNCT
fsr-3174	262	31	,	,	PUNCT
fsr-3174	262	32	too	too	ADV
fsr-3174	262	33	.	.	PUNCT
fsr-3174	263	1	both	both	PRON
fsr-3174	263	2	are	be	AUX
fsr-3174	263	3	significant	significant	ADJ
fsr-3174	263	4	at	at	ADP
fsr-3174	263	5	the	the	DET
fsr-3174	263	6	one	one	NUM
fsr-3174	263	7	per	per	ADP
fsr-3174	263	8	mill	mill	NOUN
fsr-3174	263	9	level	level	NOUN
fsr-3174	263	10	.	.	PUNCT
fsr-3174	264	1	the	the	DET
fsr-3174	264	2	symbols	symbol	NOUN
fsr-3174	264	3	*	*	PUNCT
fsr-3174	264	4	*	*	PUNCT
fsr-3174	264	5	*	*	PUNCT
fsr-3174	264	6	,	,	PUNCT
fsr-3174	264	7	*	*	PUNCT
fsr-3174	264	8	*	*	PUNCT
fsr-3174	264	9	,	,	PUNCT
fsr-3174	264	10	and	and	CCONJ
fsr-3174	264	11	*	*	PUNCT
fsr-3174	264	12	denote	denote	NOUN
fsr-3174	264	13	significance	significance	NOUN
fsr-3174	264	14	at	at	ADP
fsr-3174	264	15	the	the	DET
fsr-3174	264	16	one	one	NUM
fsr-3174	264	17	per	per	ADP
fsr-3174	264	18	mill	mill	NOUN
fsr-3174	264	19	,	,	PUNCT
fsr-3174	264	20	1	1	NUM
fsr-3174	264	21	%	%	NOUN
fsr-3174	264	22	,	,	PUNCT
fsr-3174	264	23	and	and	CCONJ
fsr-3174	264	24	5	5	NUM
fsr-3174	264	25	%	%	NOUN
fsr-3174	264	26	levels	level	NOUN
fsr-3174	264	27	,	,	PUNCT
fsr-3174	264	28	respectively	respectively	ADV
fsr-3174	264	29	.	.	PUNCT
fsr-3174	265	1	the	the	DET
fsr-3174	265	2	benchmarks	benchmark	NOUN
fsr-3174	265	3	for	for	ADP
fsr-3174	265	4	a	a	DET
fsr-3174	265	5	good	good	ADJ
fsr-3174	265	6	model	model	NOUN
fsr-3174	265	7	fit	fit	NOUN
fsr-3174	265	8	that	that	PRON
fsr-3174	265	9	are	be	AUX
fsr-3174	265	10	recommended	recommend	VERB
fsr-3174	265	11	in	in	ADP
fsr-3174	265	12	the	the	DET
fsr-3174	265	13	literature	literature	NOUN
fsr-3174	265	14	are	be	AUX
fsr-3174	265	15	below	below	ADP
fsr-3174	265	16	or	or	CCONJ
fsr-3174	265	17	equal	equal	ADJ
fsr-3174	265	18	to	to	ADP
fsr-3174	265	19	.06	.06	NUM
fsr-3174	265	20	for	for	ADP
fsr-3174	265	21	the	the	DET
fsr-3174	265	22	rmsea	rmsea	NOUN
fsr-3174	265	23	index	index	NOUN
fsr-3174	265	24	;	;	PUNCT
fsr-3174	265	25	below	below	ADV
fsr-3174	265	26	or	or	CCONJ
fsr-3174	265	27	equal	equal	ADJ
fsr-3174	265	28	to	to	ADP
fsr-3174	265	29	.08	.08	NUM
fsr-3174	265	30	for	for	ADP
fsr-3174	265	31	the	the	DET
fsr-3174	265	32	srmr	srmr	PROPN
fsr-3174	265	33	index	index	NOUN
fsr-3174	265	34	;	;	PUNCT
fsr-3174	265	35	and	and	CCONJ
fsr-3174	265	36	above	above	ADV
fsr-3174	265	37	or	or	CCONJ
fsr-3174	265	38	equal	equal	ADJ
fsr-3174	265	39	to	to	ADP
fsr-3174	265	40	.9	.9	NUM
fsr-3174	265	41	for	for	ADP
fsr-3174	265	42	the	the	DET
fsr-3174	265	43	agfi	agfi	PROPN
fsr-3174	265	44	,	,	PUNCT
fsr-3174	265	45	ifi	ifi	PROPN
fsr-3174	265	46	,	,	PUNCT
fsr-3174	265	47	and	and	CCONJ
fsr-3174	265	48	cfi	cfi	PROPN
fsr-3174	265	49	.	.	PUNCT
fsr-3174	266	1	given	give	VERB
fsr-3174	266	2	that	that	SCONJ
fsr-3174	266	3	our	our	PRON
fsr-3174	266	4	results	result	NOUN
fsr-3174	266	5	for	for	ADP
fsr-3174	266	6	the	the	DET
fsr-3174	266	7	rmsea	rmsea	NOUN
fsr-3174	266	8	equal	equal	ADJ
fsr-3174	266	9	.041	.041	NUM
fsr-3174	266	10	(	(	PUNCT
fsr-3174	266	11	above	above	ADP
fsr-3174	266	12	the	the	DET
fsr-3174	266	13	lower	low	ADJ
fsr-3174	266	14	90	90	NUM
fsr-3174	266	15	%	%	NOUN
fsr-3174	266	16	confidence	confidence	NOUN
fsr-3174	266	17	estimate	estimate	NOUN
fsr-3174	266	18	:	:	PUNCT
fsr-3174	266	19	.039	.039	NUM
fsr-3174	266	20	;	;	PUNCT
fsr-3174	266	21	below	below	ADP
fsr-3174	266	22	the	the	DET
fsr-3174	266	23	upper	upper	ADJ
fsr-3174	266	24	90	90	NUM
fsr-3174	266	25	%	%	NOUN
fsr-3174	266	26	confidence	confidence	NOUN
fsr-3174	266	27	estimate	estimate	NOUN
fsr-3174	266	28	:	:	PUNCT
fsr-3174	266	29	.043	.043	NUM
fsr-3174	266	30	)	)	PUNCT
fsr-3174	266	31	and	and	CCONJ
fsr-3174	266	32	the	the	DET
fsr-3174	266	33	srmr	srmr	PROPN
fsr-3174	266	34	equals	equal	VERB
fsr-3174	266	35	.028	.028	NUM
fsr-3174	266	36	,	,	PUNCT
fsr-3174	266	37	our	our	PRON
fsr-3174	266	38	model	model	NOUN
fsr-3174	266	39	has	have	VERB
fsr-3174	266	40	a	a	DET
fsr-3174	266	41	very	very	ADV
fsr-3174	266	42	good	good	ADJ
fsr-3174	266	43	fit	fit	ADJ
fsr-3174	266	44	.	.	PUNCT
fsr-3174	267	1	capital	capital	NOUN
fsr-3174	267	2	market	market	NOUN
fsr-3174	267	3	participation	participation	NOUN
fsr-3174	267	4	:	:	PUNCT
fsr-3174	267	5	financial	financial	ADJ
fsr-3174	267	6	literacy	literacy	NOUN
fsr-3174	267	7	,	,	PUNCT
fsr-3174	267	8	risk	risk	NOUN
fsr-3174	267	9	attitude	attitude	NOUN
fsr-3174	267	10	,	,	PUNCT
fsr-3174	267	11	and	and	CCONJ
fsr-3174	267	12	other	other	ADJ
fsr-3174	267	13	predictors	predictor	NOUN
fsr-3174	267	14	the	the	DET
fsr-3174	267	15	squared	square	VERB
fsr-3174	267	16	multiple	multiple	ADJ
fsr-3174	267	17	correlation	correlation	NOUN
fsr-3174	267	18	(	(	PUNCT
fsr-3174	267	19	smc	smc	PROPN
fsr-3174	267	20	)	)	PUNCT
fsr-3174	267	21	of	of	ADP
fsr-3174	267	22	cmp	cmp	PROPN
fsr-3174	267	23	is	be	AUX
fsr-3174	267	24	calculated	calculate	VERB
fsr-3174	267	25	as	as	ADP
fsr-3174	267	26	one	one	NUM
fsr-3174	267	27	minus	minus	ADP
fsr-3174	267	28	the	the	DET
fsr-3174	267	29	value	value	NOUN
fsr-3174	267	30	of	of	ADP
fsr-3174	267	31	the	the	DET
fsr-3174	267	32	respective	respective	ADJ
fsr-3174	267	33	residual	residual	ADJ
fsr-3174	267	34	term	term	NOUN
fsr-3174	267	35	and	and	CCONJ
fsr-3174	267	36	amounts	amount	VERB
fsr-3174	267	37	to	to	ADP
fsr-3174	267	38	0.59	0.59	NUM
fsr-3174	267	39	.	.	PUNCT
fsr-3174	268	1	this	this	PRON
fsr-3174	268	2	is	be	AUX
fsr-3174	268	3	the	the	DET
fsr-3174	268	4	proportion	proportion	NOUN
fsr-3174	268	5	of	of	ADP
fsr-3174	268	6	the	the	DET
fsr-3174	268	7	variance	variance	NOUN
fsr-3174	268	8	in	in	ADP
fsr-3174	268	9	participation	participation	NOUN
fsr-3174	268	10	that	that	PRON
fsr-3174	268	11	the	the	DET
fsr-3174	268	12	latent	latent	NOUN
fsr-3174	268	13	variables	variable	NOUN
fsr-3174	268	14	can	can	AUX
fsr-3174	268	15	explain	explain	VERB
fsr-3174	268	16	.	.	PUNCT
fsr-3174	269	1	according	accord	VERB
fsr-3174	269	2	to	to	ADP
fsr-3174	269	3	the	the	DET
fsr-3174	269	4	example	example	NOUN
fsr-3174	269	5	in	in	ADP
fsr-3174	269	6	chin	chin	NOUN
fsr-3174	269	7	(	(	PUNCT
fsr-3174	269	8	1998	1998	NUM
fsr-3174	269	9	)	)	PUNCT
fsr-3174	269	10	,	,	PUNCT
fsr-3174	269	11	these	these	DET
fsr-3174	269	12	results	result	NOUN
fsr-3174	269	13	show	show	VERB
fsr-3174	269	14	a	a	DET
fsr-3174	269	15	substantial	substantial	ADJ
fsr-3174	269	16	smc	smc	NOUN
fsr-3174	269	17	.	.	PUNCT
fsr-3174	270	1	within	within	ADP
fsr-3174	270	2	this	this	DET
fsr-3174	270	3	part	part	NOUN
fsr-3174	270	4	of	of	ADP
fsr-3174	270	5	the	the	DET
fsr-3174	270	6	model	model	NOUN
fsr-3174	270	7	,	,	PUNCT
fsr-3174	270	8	financial	financial	ADJ
fsr-3174	270	9	literacy	literacy	NOUN
fsr-3174	270	10	(	(	PUNCT
fsr-3174	270	11	.43	.43	NUM
fsr-3174	270	12	)	)	PUNCT
fsr-3174	270	13	and	and	CCONJ
fsr-3174	270	14	risk	risk	NOUN
fsr-3174	270	15	attitude	attitude	NOUN
fsr-3174	270	16	(	(	PUNCT
fsr-3174	270	17	-.53	-.53	CCONJ
fsr-3174	270	18	)	)	PUNCT
fsr-3174	270	19	are	be	AUX
fsr-3174	270	20	the	the	DET
fsr-3174	270	21	dominant	dominant	ADJ
fsr-3174	270	22	drivers	driver	NOUN
fsr-3174	270	23	of	of	ADP
fsr-3174	270	24	investments	investment	NOUN
fsr-3174	270	25	in	in	ADP
fsr-3174	270	26	risky	risky	ADJ
fsr-3174	270	27	assets	asset	NOUN
fsr-3174	270	28	(	(	PUNCT
fsr-3174	270	29	funds	fund	NOUN
fsr-3174	270	30	,	,	PUNCT
fsr-3174	270	31	bonds	bond	NOUN
fsr-3174	270	32	,	,	PUNCT
fsr-3174	270	33	publicly	publicly	ADV
fsr-3174	270	34	traded	trade	VERB
fsr-3174	270	35	shares	share	NOUN
fsr-3174	270	36	)	)	PUNCT
fsr-3174	270	37	.	.	PUNCT
fsr-3174	271	1	the	the	DET
fsr-3174	271	2	influence	influence	NOUN
fsr-3174	271	3	of	of	ADP
fsr-3174	271	4	both	both	DET
fsr-3174	271	5	variables	variable	NOUN
fsr-3174	271	6	is	be	AUX
fsr-3174	271	7	strong	strong	ADJ
fsr-3174	271	8	and	and	CCONJ
fsr-3174	271	9	significant	significant	ADJ
fsr-3174	271	10	with	with	ADP
fsr-3174	271	11	p	p	X
fsr-3174	271	12	<	<	X
fsr-3174	271	13	.001	.001	NUM
fsr-3174	271	14	.	.	PUNCT
fsr-3174	272	1	as	as	SCONJ
fsr-3174	272	2	hypothesized	hypothesized	ADJ
fsr-3174	272	3	and	and	CCONJ
fsr-3174	272	4	in	in	ADP
fsr-3174	272	5	accordance	accordance	NOUN
fsr-3174	272	6	with	with	ADP
fsr-3174	272	7	the	the	DET
fsr-3174	272	8	literature	literature	NOUN
fsr-3174	272	9	(	(	PUNCT
fsr-3174	272	10	beshears	beshear	NOUN
fsr-3174	272	11	et	et	PROPN
fsr-3174	272	12	al	al	PROPN
fsr-3174	272	13	.	.	PROPN
fsr-3174	272	14	,	,	PUNCT
fsr-3174	272	15	2018	2018	NUM
fsr-3174	272	16	;	;	PUNCT
fsr-3174	272	17	fey	fey	PROPN
fsr-3174	272	18	et	et	PROPN
fsr-3174	272	19	al	al	PROPN
fsr-3174	272	20	.	.	PROPN
fsr-3174	272	21	,	,	PUNCT
fsr-3174	272	22	2020	2020	NUM
fsr-3174	272	23	;	;	PUNCT
fsr-3174	273	1	kaustia	kaustia	PROPN
fsr-3174	273	2	et	et	PROPN
fsr-3174	273	3	al	al	PROPN
fsr-3174	273	4	.	.	PROPN
fsr-3174	273	5	,	,	PUNCT
fsr-3174	273	6	2023	2023	NUM
fsr-3174	273	7	;	;	PUNCT
fsr-3174	273	8	laurinaityte	laurinaityte	PROPN
fsr-3174	273	9	,	,	PUNCT
fsr-3174	273	10	2018	2018	NUM
fsr-3174	273	11	;	;	PUNCT
fsr-3174	273	12	thomas	thomas	PROPN
fsr-3174	273	13	&	&	CCONJ
fsr-3174	273	14	spataro	spataro	PROPN
fsr-3174	273	15	,	,	PUNCT
fsr-3174	273	16	2015	2015	NUM
fsr-3174	273	17	;	;	PUNCT
fsr-3174	273	18	von	von	PROPN
fsr-3174	273	19	gaudecker	gaudecker	NOUN
fsr-3174	273	20	,	,	PUNCT
fsr-3174	273	21	2015	2015	NUM
fsr-3174	273	22	)	)	PUNCT
fsr-3174	273	23	,	,	PUNCT
fsr-3174	273	24	higher	high	ADJ
fsr-3174	273	25	financial	financial	ADJ
fsr-3174	273	26	literacy	literacy	NOUN
fsr-3174	273	27	leads	lead	VERB
fsr-3174	273	28	to	to	ADP
fsr-3174	273	29	higher	high	ADJ
fsr-3174	273	30	cmp	cmp	NOUN
fsr-3174	273	31	.	.	PUNCT
fsr-3174	274	1	in	in	ADP
fsr-3174	274	2	addition	addition	NOUN
fsr-3174	274	3	to	to	ADP
fsr-3174	274	4	financial	financial	ADJ
fsr-3174	274	5	literacy	literacy	NOUN
fsr-3174	274	6	,	,	PUNCT
fsr-3174	274	7	as	as	SCONJ
fsr-3174	274	8	proposed	propose	VERB
fsr-3174	274	9	,	,	PUNCT
fsr-3174	274	10	the	the	DET
fsr-3174	274	11	second	second	ADJ
fsr-3174	274	12	major	major	ADJ
fsr-3174	274	13	variable	variable	NOUN
fsr-3174	274	14	,	,	PUNCT
fsr-3174	274	15	risk	risk	NOUN
fsr-3174	274	16	attitude	attitude	NOUN
fsr-3174	274	17	,	,	PUNCT
fsr-3174	274	18	has	have	VERB
fsr-3174	274	19	a	a	DET
fsr-3174	274	20	strong	strong	ADJ
fsr-3174	274	21	oehler	oehler	NOUN
fsr-3174	274	22	&	&	CCONJ
fsr-3174	274	23	horn	horn	PROPN
fsr-3174	274	24	297	297	NUM
fsr-3174	274	25	impact	impact	NOUN
fsr-3174	274	26	on	on	ADP
fsr-3174	274	27	capital	capital	NOUN
fsr-3174	274	28	market	market	NOUN
fsr-3174	274	29	participation	participation	NOUN
fsr-3174	274	30	.	.	PUNCT
fsr-3174	275	1	the	the	DET
fsr-3174	275	2	degree	degree	NOUN
fsr-3174	275	3	of	of	ADP
fsr-3174	275	4	risk	risk	NOUN
fsr-3174	275	5	aversion	aversion	NOUN
fsr-3174	275	6	is	be	AUX
fsr-3174	275	7	a	a	DET
fsr-3174	275	8	crucial	crucial	ADJ
fsr-3174	275	9	determinant	determinant	NOUN
fsr-3174	275	10	and	and	CCONJ
fsr-3174	275	11	acts	act	VERB
fsr-3174	275	12	as	as	ADP
fsr-3174	275	13	an	an	DET
fsr-3174	275	14	intervening	intervene	VERB
fsr-3174	275	15	variable	variable	NOUN
fsr-3174	275	16	between	between	ADP
fsr-3174	275	17	the	the	DET
fsr-3174	275	18	independent	independent	ADJ
fsr-3174	275	19	variables	variable	NOUN
fsr-3174	275	20	and	and	CCONJ
fsr-3174	275	21	cmp	cmp	NOUN
fsr-3174	275	22	.	.	PUNCT
fsr-3174	276	1	as	as	SCONJ
fsr-3174	276	2	expected	expect	VERB
fsr-3174	276	3	,	,	PUNCT
fsr-3174	276	4	lower	low	ADJ
fsr-3174	276	5	risk	risk	NOUN
fsr-3174	276	6	aversion	aversion	NOUN
fsr-3174	276	7	leads	lead	VERB
fsr-3174	276	8	to	to	ADP
fsr-3174	276	9	higher	high	ADJ
fsr-3174	276	10	cmp	cmp	NOUN
fsr-3174	276	11	.	.	PUNCT
fsr-3174	277	1	households	households	PROPN
fsr-3174	277	2	’	'	PUNCT
fsr-3174	277	3	net	net	ADJ
fsr-3174	277	4	wealth	wealth	NOUN
fsr-3174	277	5	has	have	VERB
fsr-3174	277	6	a	a	DET
fsr-3174	277	7	positive	positive	ADJ
fsr-3174	277	8	impact	impact	NOUN
fsr-3174	277	9	on	on	ADP
fsr-3174	277	10	cmp	cmp	NOUN
fsr-3174	277	11	with	with	ADP
fsr-3174	277	12	p	p	X
fsr-3174	277	13	<	<	X
fsr-3174	277	14	.001	.001	NUM
fsr-3174	277	15	.	.	PUNCT
fsr-3174	278	1	this	this	PRON
fsr-3174	278	2	is	be	AUX
fsr-3174	278	3	in	in	ADP
fsr-3174	278	4	line	line	NOUN
fsr-3174	278	5	with	with	ADP
fsr-3174	278	6	the	the	DET
fsr-3174	278	7	literature	literature	NOUN
fsr-3174	278	8	(	(	PUNCT
fsr-3174	278	9	calvet	calvet	NOUN
fsr-3174	278	10	and	and	CCONJ
fsr-3174	278	11	sodini	sodini	PROPN
fsr-3174	278	12	,	,	PUNCT
fsr-3174	278	13	2014	2014	NUM
fsr-3174	278	14	;	;	PUNCT
fsr-3174	278	15	fey	fey	PROPN
fsr-3174	278	16	at	at	ADP
fsr-3174	278	17	al	al	PROPN
fsr-3174	278	18	.	.	PROPN
fsr-3174	278	19	2020	2020	NUM
fsr-3174	278	20	;	;	PUNCT
fsr-3174	278	21	laurinaityte	laurinaityte	NOUN
fsr-3174	278	22	,	,	PUNCT
fsr-3174	278	23	2018	2018	NUM
fsr-3174	278	24	)	)	PUNCT
fsr-3174	278	25	,	,	PUNCT
fsr-3174	278	26	but	but	CCONJ
fsr-3174	278	27	the	the	DET
fsr-3174	278	28	magnitude	magnitude	NOUN
fsr-3174	278	29	of	of	ADP
fsr-3174	278	30	the	the	DET
fsr-3174	278	31	influence	influence	NOUN
fsr-3174	278	32	is	be	AUX
fsr-3174	278	33	not	not	PART
fsr-3174	278	34	strong	strong	ADJ
fsr-3174	278	35	(	(	PUNCT
fsr-3174	278	36	.11	.11	NUM
fsr-3174	278	37	)	)	PUNCT
fsr-3174	278	38	.	.	PUNCT
fsr-3174	279	1	in	in	ADP
fsr-3174	279	2	addition	addition	NOUN
fsr-3174	279	3	,	,	PUNCT
fsr-3174	279	4	our	our	PRON
fsr-3174	279	5	analysis	analysis	NOUN
fsr-3174	279	6	shows	show	VERB
fsr-3174	279	7	that	that	SCONJ
fsr-3174	279	8	the	the	DET
fsr-3174	279	9	impact	impact	NOUN
fsr-3174	279	10	of	of	ADP
fsr-3174	279	11	the	the	DET
fsr-3174	279	12	two	two	NUM
fsr-3174	279	13	correcting	correct	VERB
fsr-3174	279	14	variables	variable	NOUN
fsr-3174	279	15	in	in	ADP
fsr-3174	279	16	the	the	DET
fsr-3174	279	17	context	context	NOUN
fsr-3174	279	18	of	of	ADP
fsr-3174	279	19	wealth	wealth	NOUN
fsr-3174	279	20	,	,	PUNCT
fsr-3174	279	21	the	the	DET
fsr-3174	279	22	home	home	NOUN
fsr-3174	279	23	loan	loan	NOUN
fsr-3174	279	24	saving	saving	NOUN
fsr-3174	279	25	and	and	CCONJ
fsr-3174	279	26	hmr	hmr	PROPN
fsr-3174	279	27	mortgage	mortgage	NOUN
fsr-3174	279	28	outstanding	outstanding	ADJ
fsr-3174	279	29	,	,	PUNCT
fsr-3174	279	30	and	and	CCONJ
fsr-3174	279	31	the	the	DET
fsr-3174	279	32	voluntary	voluntary	ADJ
fsr-3174	279	33	pension	pension	NOUN
fsr-3174	279	34	plan	plan	NOUN
fsr-3174	279	35	and	and	CCONJ
fsr-3174	279	36	whole	whole	ADJ
fsr-3174	279	37	life	life	NOUN
fsr-3174	279	38	insurance	insurance	NOUN
fsr-3174	279	39	,	,	PUNCT
fsr-3174	279	40	act	act	VERB
fsr-3174	279	41	in	in	ADP
fsr-3174	279	42	the	the	DET
fsr-3174	279	43	expected	expect	VERB
fsr-3174	279	44	direction	direction	NOUN
fsr-3174	279	45	,	,	PUNCT
fsr-3174	279	46	however	however	ADV
fsr-3174	279	47	,	,	PUNCT
fsr-3174	279	48	only	only	ADV
fsr-3174	279	49	with	with	ADP
fsr-3174	279	50	moderate	moderate	ADJ
fsr-3174	279	51	impact	impact	NOUN
fsr-3174	279	52	(	(	PUNCT
fsr-3174	279	53	coefficients	coefficient	NOUN
fsr-3174	279	54	of	of	ADP
fsr-3174	279	55	-.06	-.06	PUNCT
fsr-3174	279	56	and	and	CCONJ
fsr-3174	279	57	.15	.15	NUM
fsr-3174	279	58	.	.	PROPN
fsr-3174	279	59	,	,	PUNCT
fsr-3174	279	60	respectively	respectively	ADV
fsr-3174	279	61	)	)	PUNCT
fsr-3174	279	62	.	.	PUNCT
fsr-3174	280	1	the	the	DET
fsr-3174	280	2	positive	positive	ADJ
fsr-3174	280	3	impact	impact	NOUN
fsr-3174	280	4	of	of	ADP
fsr-3174	280	5	the	the	DET
fsr-3174	280	6	investment	investment	NOUN
fsr-3174	280	7	in	in	ADP
fsr-3174	280	8	voluntary	voluntary	ADJ
fsr-3174	280	9	pension	pension	NOUN
fsr-3174	280	10	plans	plan	NOUN
fsr-3174	280	11	and	and	CCONJ
fsr-3174	280	12	whole	whole	ADJ
fsr-3174	280	13	life	life	NOUN
fsr-3174	280	14	insurances	insurance	NOUN
fsr-3174	280	15	is	be	AUX
fsr-3174	280	16	statistically	statistically	ADV
fsr-3174	280	17	significant	significant	ADJ
fsr-3174	280	18	with	with	ADP
fsr-3174	280	19	p	p	X
fsr-3174	280	20	<	<	X
fsr-3174	280	21	.001	.001	NUM
fsr-3174	280	22	.	.	PUNCT
fsr-3174	281	1	overall	overall	ADJ
fsr-3174	281	2	,	,	PUNCT
fsr-3174	281	3	housing	housing	NOUN
fsr-3174	281	4	or	or	CCONJ
fsr-3174	281	5	hmr	hmr	PROPN
fsr-3174	281	6	influence	influence	PROPN
fsr-3174	281	7	cmp	cmp	PROPN
fsr-3174	281	8	(	(	PUNCT
fsr-3174	281	9	cocco	cocco	PROPN
fsr-3174	281	10	et	et	PROPN
fsr-3174	281	11	al	al	PROPN
fsr-3174	281	12	.	.	PROPN
fsr-3174	281	13	,	,	PUNCT
fsr-3174	281	14	2005	2005	NUM
fsr-3174	281	15	;	;	PUNCT
fsr-3174	281	16	efama	efama	NOUN
fsr-3174	281	17	,	,	PUNCT
fsr-3174	281	18	2020	2020	NUM
fsr-3174	281	19	;	;	PUNCT
fsr-3174	281	20	gomes	gome	NOUN
fsr-3174	281	21	et	et	PROPN
fsr-3174	281	22	al	al	PROPN
fsr-3174	281	23	.	.	PROPN
fsr-3174	281	24	,	,	PUNCT
fsr-3174	281	25	2021	2021	NUM
fsr-3174	281	26	;	;	PUNCT
fsr-3174	281	27	kaustia	kaustia	PROPN
fsr-3174	281	28	et	et	PROPN
fsr-3174	281	29	al	al	PROPN
fsr-3174	281	30	.	.	PROPN
fsr-3174	281	31	,	,	PUNCT
fsr-3174	281	32	2023	2023	NUM
fsr-3174	281	33	)	)	PUNCT
fsr-3174	281	34	.	.	PUNCT
fsr-3174	282	1	however	however	ADV
fsr-3174	282	2	,	,	PUNCT
fsr-3174	282	3	housing	housing	NOUN
fsr-3174	282	4	discourages	discourage	VERB
fsr-3174	282	5	saving	save	VERB
fsr-3174	282	6	in	in	ADP
fsr-3174	282	7	financial	financial	ADJ
fsr-3174	282	8	assets	asset	NOUN
fsr-3174	282	9	not	not	PART
fsr-3174	282	10	in	in	ADP
fsr-3174	282	11	a	a	DET
fsr-3174	282	12	crucial	crucial	ADJ
fsr-3174	282	13	manner	manner	NOUN
fsr-3174	282	14	.	.	PUNCT
fsr-3174	283	1	households	household	NOUN
fsr-3174	283	2	’	'	PUNCT
fsr-3174	283	3	perception	perception	NOUN
fsr-3174	283	4	that	that	SCONJ
fsr-3174	283	5	the	the	DET
fsr-3174	283	6	investment	investment	NOUN
fsr-3174	283	7	in	in	ADP
fsr-3174	283	8	voluntary	voluntary	ADJ
fsr-3174	283	9	pension	pension	NOUN
fsr-3174	283	10	plans	plan	NOUN
fsr-3174	283	11	and	and	CCONJ
fsr-3174	283	12	whole	whole	ADJ
fsr-3174	283	13	life	life	NOUN
fsr-3174	283	14	insurances	insurance	NOUN
fsr-3174	283	15	act	act	VERB
fsr-3174	283	16	as	as	SCONJ
fsr-3174	283	17	so	so	ADV
fsr-3174	283	18	-	-	PUNCT
fsr-3174	283	19	called	call	VERB
fsr-3174	283	20	safe	safe	ADJ
fsr-3174	283	21	investments	investment	NOUN
fsr-3174	283	22	(	(	PUNCT
fsr-3174	283	23	efama	efama	NOUN
fsr-3174	283	24	,	,	PUNCT
fsr-3174	283	25	2020	2020	NUM
fsr-3174	283	26	)	)	PUNCT
fsr-3174	283	27	,	,	PUNCT
fsr-3174	283	28	similar	similar	ADJ
fsr-3174	283	29	to	to	ADP
fsr-3174	283	30	deposits	deposit	NOUN
fsr-3174	283	31	,	,	PUNCT
fsr-3174	283	32	may	may	AUX
fsr-3174	283	33	lead	lead	VERB
fsr-3174	283	34	to	to	ADP
fsr-3174	283	35	the	the	DET
fsr-3174	283	36	moderate	moderate	ADJ
fsr-3174	283	37	influence	influence	NOUN
fsr-3174	283	38	on	on	ADP
fsr-3174	283	39	capital	capital	NOUN
fsr-3174	283	40	market	market	NOUN
fsr-3174	283	41	participation	participation	NOUN
fsr-3174	283	42	.	.	PUNCT
fsr-3174	284	1	financial	financial	ADJ
fsr-3174	284	2	advice	advice	NOUN
fsr-3174	284	3	has	have	VERB
fsr-3174	284	4	a	a	DET
fsr-3174	284	5	positive	positive	ADJ
fsr-3174	284	6	impact	impact	NOUN
fsr-3174	284	7	on	on	ADP
fsr-3174	284	8	cmp	cmp	PROPN
fsr-3174	284	9	.	.	PUNCT
fsr-3174	285	1	households	household	NOUN
fsr-3174	285	2	who	who	PRON
fsr-3174	285	3	use	use	VERB
fsr-3174	285	4	the	the	DET
fsr-3174	285	5	consulting	consulting	NOUN
fsr-3174	285	6	service	service	NOUN
fsr-3174	285	7	of	of	ADP
fsr-3174	285	8	their	their	PRON
fsr-3174	285	9	main	main	ADJ
fsr-3174	285	10	bank	bank	NOUN
fsr-3174	285	11	invest	invest	VERB
fsr-3174	285	12	more	more	ADV
fsr-3174	285	13	in	in	ADP
fsr-3174	285	14	capital	capital	NOUN
fsr-3174	285	15	markets	market	NOUN
fsr-3174	285	16	with	with	ADP
fsr-3174	285	17	p	p	X
fsr-3174	285	18	<	<	X
fsr-3174	285	19	.001	.001	NUM
fsr-3174	285	20	.	.	PUNCT
fsr-3174	286	1	hence	hence	ADV
fsr-3174	286	2	,	,	PUNCT
fsr-3174	286	3	our	our	PRON
fsr-3174	286	4	findings	finding	NOUN
fsr-3174	286	5	provide	provide	VERB
fsr-3174	286	6	further	further	ADJ
fsr-3174	286	7	support	support	NOUN
fsr-3174	286	8	for	for	ADP
fsr-3174	286	9	those	those	PRON
fsr-3174	286	10	of	of	ADP
fsr-3174	286	11	von	von	PROPN
fsr-3174	286	12	gaudecker	gaudecker	PROPN
fsr-3174	286	13	(	(	PUNCT
fsr-3174	286	14	2015	2015	NUM
fsr-3174	286	15	)	)	PUNCT
fsr-3174	286	16	,	,	PUNCT
fsr-3174	286	17	chien	chien	PROPN
fsr-3174	286	18	and	and	CCONJ
fsr-3174	286	19	morris	morris	PROPN
fsr-3174	286	20	(	(	PUNCT
fsr-3174	286	21	2017	2017	NUM
fsr-3174	286	22	)	)	PUNCT
fsr-3174	286	23	,	,	PUNCT
fsr-3174	286	24	and	and	CCONJ
fsr-3174	286	25	fey	fey	PROPN
fsr-3174	286	26	et	et	PROPN
fsr-3174	286	27	al	al	PROPN
fsr-3174	286	28	.	.	PROPN
fsr-3174	287	1	(	(	PUNCT
fsr-3174	287	2	2020	2020	NUM
fsr-3174	287	3	)	)	PUNCT
fsr-3174	287	4	.	.	PUNCT
fsr-3174	288	1	additionally	additionally	ADV
fsr-3174	288	2	,	,	PUNCT
fsr-3174	288	3	investment	investment	NOUN
fsr-3174	288	4	experience	experience	NOUN
fsr-3174	288	5	has	have	VERB
fsr-3174	288	6	the	the	DET
fsr-3174	288	7	hypothesized	hypothesized	ADJ
fsr-3174	288	8	impact	impact	NOUN
fsr-3174	288	9	.	.	PUNCT
fsr-3174	289	1	significant	significant	ADJ
fsr-3174	289	2	previous	previous	ADJ
fsr-3174	289	3	gains	gain	NOUN
fsr-3174	289	4	result	result	NOUN
fsr-3174	289	5	in	in	ADP
fsr-3174	289	6	higher	high	ADJ
fsr-3174	289	7	cmp	cmp	NOUN
fsr-3174	289	8	,	,	PUNCT
fsr-3174	289	9	while	while	SCONJ
fsr-3174	289	10	significant	significant	ADJ
fsr-3174	289	11	losses	loss	NOUN
fsr-3174	289	12	have	have	VERB
fsr-3174	289	13	the	the	DET
fsr-3174	289	14	opposite	opposite	ADJ
fsr-3174	289	15	effect	effect	NOUN
fsr-3174	289	16	(	(	PUNCT
fsr-3174	289	17	.20	.20	NUM
fsr-3174	289	18	)	)	PUNCT
fsr-3174	289	19	.	.	PUNCT
fsr-3174	290	1	the	the	DET
fsr-3174	290	2	influence	influence	NOUN
fsr-3174	290	3	is	be	AUX
fsr-3174	290	4	statistically	statistically	ADV
fsr-3174	290	5	significant	significant	ADJ
fsr-3174	290	6	with	with	ADP
fsr-3174	290	7	p	p	X
fsr-3174	290	8	<	<	X
fsr-3174	290	9	.001	.001	NUM
fsr-3174	290	10	.	.	PUNCT
fsr-3174	291	1	age	age	NOUN
fsr-3174	291	2	has	have	VERB
fsr-3174	291	3	a	a	DET
fsr-3174	291	4	positive	positive	ADJ
fsr-3174	291	5	influence	influence	NOUN
fsr-3174	291	6	on	on	ADP
fsr-3174	291	7	cmp	cmp	PROPN
fsr-3174	291	8	(	(	PUNCT
fsr-3174	291	9	.17	.17	NUM
fsr-3174	291	10	,	,	PUNCT
fsr-3174	291	11	p	p	X
fsr-3174	291	12	<	<	X
fsr-3174	291	13	.001	.001	NUM
fsr-3174	291	14	)	)	PUNCT
fsr-3174	291	15	.	.	PUNCT
fsr-3174	292	1	it	it	PRON
fsr-3174	292	2	is	be	AUX
fsr-3174	292	3	plausible	plausible	ADJ
fsr-3174	292	4	that	that	SCONJ
fsr-3174	292	5	investments	investment	NOUN
fsr-3174	292	6	in	in	ADP
fsr-3174	292	7	human	human	ADJ
fsr-3174	292	8	capital	capital	NOUN
fsr-3174	292	9	and	and	CCONJ
fsr-3174	292	10	cmp	cmp	NOUN
fsr-3174	292	11	compete	compete	NOUN
fsr-3174	292	12	for	for	ADP
fsr-3174	292	13	the	the	DET
fsr-3174	292	14	limited	limited	ADJ
fsr-3174	292	15	resources	resource	NOUN
fsr-3174	292	16	of	of	ADP
fsr-3174	292	17	younger	young	ADJ
fsr-3174	292	18	people	people	NOUN
fsr-3174	292	19	(	(	PUNCT
fsr-3174	292	20	athreya	athreya	NOUN
fsr-3174	292	21	et	et	PROPN
fsr-3174	292	22	al	al	PROPN
fsr-3174	292	23	.	.	PROPN
fsr-3174	292	24	,	,	PUNCT
fsr-3174	292	25	2023	2023	NUM
fsr-3174	292	26	;	;	PUNCT
fsr-3174	292	27	poterba	poterba	NOUN
fsr-3174	292	28	&	&	CCONJ
fsr-3174	292	29	samwick	samwick	PROPN
fsr-3174	292	30	,	,	PUNCT
fsr-3174	292	31	2001	2001	NUM
fsr-3174	292	32	)	)	PUNCT
fsr-3174	292	33	.	.	PUNCT
fsr-3174	293	1	consistent	consistent	ADJ
fsr-3174	293	2	with	with	ADP
fsr-3174	293	3	the	the	DET
fsr-3174	293	4	literature	literature	NOUN
fsr-3174	293	5	,	,	PUNCT
fsr-3174	293	6	our	our	PRON
fsr-3174	293	7	results	result	NOUN
fsr-3174	293	8	provide	provide	VERB
fsr-3174	293	9	evidence	evidence	NOUN
fsr-3174	293	10	that	that	SCONJ
fsr-3174	293	11	men	man	NOUN
fsr-3174	293	12	invest	invest	VERB
fsr-3174	293	13	more	more	ADV
fsr-3174	293	14	in	in	ADP
fsr-3174	293	15	capital	capital	NOUN
fsr-3174	293	16	markets	market	NOUN
fsr-3174	293	17	than	than	ADP
fsr-3174	293	18	women	woman	NOUN
fsr-3174	293	19	(	(	PUNCT
fsr-3174	293	20	i.e.	i.e.	X
fsr-3174	293	21	,	,	PUNCT
fsr-3174	293	22	the	the	DET
fsr-3174	293	23	gender	gender	NOUN
fsr-3174	293	24	gap	gap	NOUN
fsr-3174	293	25	)	)	PUNCT
fsr-3174	293	26	(	(	PUNCT
fsr-3174	293	27	fey	fey	PROPN
fsr-3174	293	28	et	et	PROPN
fsr-3174	293	29	al	al	PROPN
fsr-3174	293	30	.	.	PROPN
fsr-3174	293	31	,	,	PUNCT
fsr-3174	293	32	2020	2020	NUM
fsr-3174	293	33	;	;	PUNCT
fsr-3174	293	34	guiso	guiso	PROPN
fsr-3174	293	35	&	&	CCONJ
fsr-3174	293	36	zaccaria	zaccaria	PROPN
fsr-3174	293	37	,	,	PUNCT
fsr-3174	293	38	2023	2023	NUM
fsr-3174	293	39	;	;	PUNCT
fsr-3174	293	40	hanna	hanna	PROPN
fsr-3174	293	41	et	et	PROPN
fsr-3174	293	42	al	al	PROPN
fsr-3174	293	43	.	.	PROPN
fsr-3174	293	44	,	,	PUNCT
fsr-3174	293	45	2021	2021	NUM
fsr-3174	293	46	)	)	PUNCT
fsr-3174	293	47	.	.	PUNCT
fsr-3174	294	1	we	we	PRON
fsr-3174	294	2	will	will	AUX
fsr-3174	294	3	discuss	discuss	VERB
fsr-3174	294	4	this	this	DET
fsr-3174	294	5	result	result	NOUN
fsr-3174	294	6	more	more	ADV
fsr-3174	294	7	deeply	deeply	ADV
fsr-3174	294	8	in	in	ADP
fsr-3174	294	9	the	the	DET
fsr-3174	294	10	light	light	NOUN
fsr-3174	294	11	of	of	ADP
fsr-3174	294	12	literacy	literacy	NOUN
fsr-3174	294	13	and	and	CCONJ
fsr-3174	294	14	education	education	NOUN
fsr-3174	294	15	below	below	ADV
fsr-3174	294	16	.	.	PUNCT
fsr-3174	295	1	while	while	SCONJ
fsr-3174	295	2	satisfaction	satisfaction	NOUN
fsr-3174	295	3	with	with	ADP
fsr-3174	295	4	life	life	NOUN
fsr-3174	295	5	(	(	PUNCT
fsr-3174	295	6	present	present	ADJ
fsr-3174	295	7	)	)	PUNCT
fsr-3174	295	8	hardly	hardly	ADV
fsr-3174	295	9	has	have	VERB
fsr-3174	295	10	an	an	DET
fsr-3174	295	11	impact	impact	NOUN
fsr-3174	295	12	on	on	ADP
fsr-3174	295	13	capital	capital	NOUN
fsr-3174	295	14	market	market	NOUN
fsr-3174	295	15	participation	participation	NOUN
fsr-3174	295	16	(	(	PUNCT
fsr-3174	295	17	.08	.08	NUM
fsr-3174	295	18	,	,	PUNCT
fsr-3174	295	19	not	not	PART
fsr-3174	295	20	significant	significant	ADJ
fsr-3174	295	21	)	)	PUNCT
fsr-3174	295	22	,	,	PUNCT
fsr-3174	295	23	planning	plan	VERB
fsr-3174	295	24	horizon	horizon	NOUN
fsr-3174	295	25	positively	positively	ADV
fsr-3174	295	26	influences	influence	VERB
fsr-3174	295	27	the	the	DET
fsr-3174	295	28	participation	participation	NOUN
fsr-3174	295	29	decision	decision	NOUN
fsr-3174	295	30	,	,	PUNCT
fsr-3174	295	31	however	however	ADV
fsr-3174	295	32	,	,	PUNCT
fsr-3174	295	33	with	with	ADP
fsr-3174	295	34	only	only	ADJ
fsr-3174	295	35	small	small	ADJ
fsr-3174	295	36	magnitude	magnitude	NOUN
fsr-3174	295	37	(	(	PUNCT
fsr-3174	295	38	.09	.09	NUM
fsr-3174	295	39	,	,	PUNCT
fsr-3174	295	40	p	p	X
fsr-3174	295	41	<	<	X
fsr-3174	295	42	.001	.001	NUM
fsr-3174	295	43	)	)	PUNCT
fsr-3174	295	44	.	.	PUNCT
fsr-3174	296	1	the	the	PRON
fsr-3174	296	2	longer	long	ADV
fsr-3174	296	3	the	the	DET
fsr-3174	296	4	planning	planning	NOUN
fsr-3174	296	5	horizon	horizon	NOUN
fsr-3174	296	6	is	be	AUX
fsr-3174	296	7	aligned	align	VERB
fsr-3174	296	8	,	,	PUNCT
fsr-3174	296	9	the	the	PRON
fsr-3174	296	10	larger	large	ADJ
fsr-3174	296	11	the	the	DET
fsr-3174	296	12	cmp	cmp	NOUN
fsr-3174	296	13	(	(	PUNCT
fsr-3174	296	14	ameriks	ameriks	PROPN
fsr-3174	296	15	&	&	CCONJ
fsr-3174	296	16	zeldes	zelde	NOUN
fsr-3174	296	17	,	,	PUNCT
fsr-3174	296	18	2004	2004	NUM
fsr-3174	296	19	;	;	PUNCT
fsr-3174	296	20	barberis	barberi	NOUN
fsr-3174	296	21	,	,	PUNCT
fsr-3174	296	22	2000	2000	NUM
fsr-3174	296	23	;	;	PUNCT
fsr-3174	296	24	calvet	calvet	NOUN
fsr-3174	296	25	et	et	PROPN
fsr-3174	296	26	al	al	PROPN
fsr-3174	296	27	.	.	PROPN
fsr-3174	296	28	,	,	PUNCT
fsr-3174	296	29	2007	2007	NUM
fsr-3174	296	30	)	)	PUNCT
fsr-3174	296	31	.	.	PUNCT
fsr-3174	297	1	contrary	contrary	ADJ
fsr-3174	297	2	to	to	ADP
fsr-3174	297	3	our	our	PRON
fsr-3174	297	4	expectation	expectation	NOUN
fsr-3174	297	5	,	,	PUNCT
fsr-3174	297	6	higher	high	ADJ
fsr-3174	297	7	net	net	ADJ
fsr-3174	297	8	income	income	NOUN
fsr-3174	297	9	results	result	VERB
fsr-3174	297	10	not	not	PART
fsr-3174	297	11	in	in	ADP
fsr-3174	297	12	a	a	DET
fsr-3174	297	13	larger	large	ADJ
fsr-3174	297	14	cmp	cmp	NOUN
fsr-3174	297	15	.	.	PUNCT
fsr-3174	298	1	this	this	PRON
fsr-3174	298	2	could	could	AUX
fsr-3174	298	3	be	be	AUX
fsr-3174	298	4	due	due	ADJ
fsr-3174	298	5	to	to	ADP
fsr-3174	298	6	the	the	DET
fsr-3174	298	7	fact	fact	NOUN
fsr-3174	298	8	that	that	SCONJ
fsr-3174	298	9	households	household	NOUN
fsr-3174	298	10	’	'	PUNCT
fsr-3174	298	11	income	income	NOUN
fsr-3174	298	12	stems	stem	VERB
fsr-3174	298	13	from	from	ADP
fsr-3174	298	14	different	different	ADJ
fsr-3174	298	15	sources	source	NOUN
fsr-3174	298	16	,	,	PUNCT
fsr-3174	298	17	in	in	ADP
fsr-3174	298	18	particular	particular	ADJ
fsr-3174	298	19	from	from	ADP
fsr-3174	298	20	employment	employment	NOUN
fsr-3174	298	21	,	,	PUNCT
fsr-3174	298	22	self	self	NOUN
fsr-3174	298	23	-	-	PUNCT
fsr-3174	298	24	employment	employment	NOUN
fsr-3174	298	25	,	,	PUNCT
fsr-3174	298	26	and	and	CCONJ
fsr-3174	298	27	pensions	pension	NOUN
fsr-3174	298	28	.	.	PUNCT
fsr-3174	299	1	financial	financial	ADJ
fsr-3174	299	2	literacy	literacy	NOUN
fsr-3174	299	3	in	in	ADP
fsr-3174	299	4	order	order	NOUN
fsr-3174	299	5	to	to	PART
fsr-3174	299	6	cover	cover	VERB
fsr-3174	299	7	both	both	DET
fsr-3174	299	8	categories	category	NOUN
fsr-3174	299	9	of	of	ADP
fsr-3174	299	10	financial	financial	ADJ
fsr-3174	299	11	literacy	literacy	NOUN
fsr-3174	299	12	,	,	PUNCT
fsr-3174	299	13	we	we	PRON
fsr-3174	299	14	defined	define	VERB
fsr-3174	299	15	two	two	NUM
fsr-3174	299	16	measurement	measurement	NOUN
fsr-3174	299	17	variables	variable	NOUN
fsr-3174	299	18	for	for	ADP
fsr-3174	299	19	operationalizing	operationalize	VERB
fsr-3174	299	20	the	the	DET
fsr-3174	299	21	extent	extent	NOUN
fsr-3174	299	22	of	of	ADP
fsr-3174	299	23	financial	financial	ADJ
fsr-3174	299	24	literacy	literacy	NOUN
fsr-3174	299	25	:	:	PUNCT
fsr-3174	299	26	fin_lit_score	fin_lit_score	NOUN
fsr-3174	299	27	,	,	PUNCT
fsr-3174	299	28	and	and	CCONJ
fsr-3174	299	29	fin_lit_training	fin_lit_traine	VERB
fsr-3174	299	30	.	.	PUNCT
fsr-3174	300	1	their	their	PRON
fsr-3174	300	2	standardized	standardized	ADJ
fsr-3174	300	3	total	total	ADJ
fsr-3174	300	4	effects	effect	NOUN
fsr-3174	300	5	(	(	PUNCT
fsr-3174	300	6	i.e.	i.e.	X
fsr-3174	300	7	their	their	PRON
fsr-3174	300	8	influences	influence	NOUN
fsr-3174	300	9	)	)	PUNCT
fsr-3174	300	10	are	be	AUX
fsr-3174	300	11	quite	quite	ADV
fsr-3174	300	12	similar	similar	ADJ
fsr-3174	300	13	:	:	PUNCT
fsr-3174	300	14	.42	.42	NUM
fsr-3174	300	15	for	for	ADP
fsr-3174	300	16	fin_lit_score	fin_lit_score	NOUN
fsr-3174	300	17	and	and	CCONJ
fsr-3174	300	18	.35	.35	NUM
fsr-3174	300	19	for	for	ADP
fsr-3174	300	20	fin_lit_training	fin_lit_traine	VERB
fsr-3174	300	21	.	.	PUNCT
fsr-3174	301	1	overall	overall	ADV
fsr-3174	301	2	,	,	PUNCT
fsr-3174	301	3	the	the	DET
fsr-3174	301	4	squared	square	VERB
fsr-3174	301	5	multiple	multiple	ADJ
fsr-3174	301	6	correlation	correlation	NOUN
fsr-3174	301	7	(	(	PUNCT
fsr-3174	301	8	smc	smc	PROPN
fsr-3174	301	9	)	)	PUNCT
fsr-3174	301	10	of	of	ADP
fsr-3174	301	11	financial	financial	ADJ
fsr-3174	301	12	literacy	literacy	NOUN
fsr-3174	301	13	amounts	amount	VERB
fsr-3174	301	14	to	to	ADP
fsr-3174	301	15	.64	.64	NUM
fsr-3174	301	16	,	,	PUNCT
fsr-3174	301	17	which	which	PRON
fsr-3174	301	18	means	mean	VERB
fsr-3174	301	19	that	that	SCONJ
fsr-3174	301	20	more	more	ADJ
fsr-3174	301	21	than	than	ADP
fsr-3174	301	22	60	60	NUM
fsr-3174	301	23	%	%	NOUN
fsr-3174	301	24	of	of	ADP
fsr-3174	301	25	the	the	DET
fsr-3174	301	26	variance	variance	NOUN
fsr-3174	301	27	is	be	AUX
fsr-3174	301	28	explained	explain	VERB
fsr-3174	301	29	by	by	ADP
fsr-3174	301	30	the	the	DET
fsr-3174	301	31	assumed	assume	VERB
fsr-3174	301	32	predictors	predictor	NOUN
fsr-3174	301	33	education	education	NOUN
fsr-3174	301	34	,	,	PUNCT
fsr-3174	301	35	gender	gender	NOUN
fsr-3174	301	36	,	,	PUNCT
fsr-3174	301	37	and	and	CCONJ
fsr-3174	301	38	age	age	NOUN
fsr-3174	301	39	.	.	PUNCT
fsr-3174	302	1	according	accord	VERB
fsr-3174	302	2	to	to	ADP
fsr-3174	302	3	chin	chin	NOUN
fsr-3174	302	4	(	(	PUNCT
fsr-3174	302	5	1998	1998	NUM
fsr-3174	302	6	)	)	PUNCT
fsr-3174	302	7	,	,	PUNCT
fsr-3174	302	8	these	these	DET
fsr-3174	302	9	results	result	NOUN
fsr-3174	302	10	show	show	VERB
fsr-3174	302	11	a	a	DET
fsr-3174	302	12	substantial	substantial	ADJ
fsr-3174	302	13	smc	smc	NOUN
fsr-3174	302	14	.	.	PUNCT
fsr-3174	303	1	our	our	PRON
fsr-3174	303	2	results	result	NOUN
fsr-3174	303	3	indicate	indicate	VERB
fsr-3174	303	4	that	that	SCONJ
fsr-3174	303	5	higher	high	ADJ
fsr-3174	303	6	schooling	schooling	NOUN
fsr-3174	303	7	education	education	NOUN
fsr-3174	303	8	and	and	CCONJ
fsr-3174	303	9	higher	high	ADJ
fsr-3174	303	10	professional	professional	ADJ
fsr-3174	303	11	qualification	qualification	NOUN
fsr-3174	303	12	will	will	AUX
fsr-3174	303	13	contribute	contribute	VERB
fsr-3174	303	14	to	to	ADP
fsr-3174	303	15	higher	high	ADJ
fsr-3174	303	16	financial	financial	ADJ
fsr-3174	303	17	literacy	literacy	NOUN
fsr-3174	303	18	.	.	PUNCT
fsr-3174	304	1	hence	hence	ADV
fsr-3174	304	2	,	,	PUNCT
fsr-3174	304	3	education	education	NOUN
fsr-3174	304	4	has	have	VERB
fsr-3174	304	5	a	a	DET
fsr-3174	304	6	positive	positive	ADJ
fsr-3174	304	7	impact	impact	NOUN
fsr-3174	304	8	of	of	ADP
fsr-3174	304	9	more	more	ADJ
fsr-3174	304	10	than	than	ADP
fsr-3174	304	11	69	69	NUM
fsr-3174	304	12	%	%	NOUN
fsr-3174	304	13	on	on	ADP
fsr-3174	304	14	financial	financial	ADJ
fsr-3174	304	15	literacy	literacy	NOUN
fsr-3174	304	16	(	(	PUNCT
fsr-3174	304	17	standardized	standardize	VERB
fsr-3174	304	18	total	total	ADJ
fsr-3174	304	19	effect	effect	NOUN
fsr-3174	304	20	:	:	PUNCT
fsr-3174	304	21	.69	.69	NUM
fsr-3174	304	22	,	,	PUNCT
fsr-3174	304	23	p	p	X
fsr-3174	304	24	<	<	X
fsr-3174	304	25	.001	.001	NUM
fsr-3174	304	26	)	)	PUNCT
fsr-3174	304	27	,	,	PUNCT
fsr-3174	304	28	and	and	CCONJ
fsr-3174	304	29	increases	increase	NOUN
fsr-3174	304	30	with	with	ADP
fsr-3174	304	31	the	the	DET
fsr-3174	304	32	level	level	NOUN
fsr-3174	304	33	of	of	ADP
fsr-3174	304	34	school	school	NOUN
fsr-3174	304	35	education	education	NOUN
fsr-3174	304	36	completed	complete	VERB
fsr-3174	304	37	and	and	CCONJ
fsr-3174	304	38	the	the	DET
fsr-3174	304	39	level	level	NOUN
fsr-3174	304	40	of	of	ADP
fsr-3174	304	41	professional	professional	ADJ
fsr-3174	304	42	qualification	qualification	NOUN
fsr-3174	304	43	completed	complete	VERB
fsr-3174	304	44	.	.	PUNCT
fsr-3174	305	1	age	age	NOUN
fsr-3174	305	2	(	(	PUNCT
fsr-3174	305	3	.25	.25	NUM
fsr-3174	305	4	)	)	PUNCT
fsr-3174	305	5	and	and	CCONJ
fsr-3174	305	6	gender	gender	NOUN
fsr-3174	305	7	(	(	PUNCT
fsr-3174	305	8	.15	.15	NUM
fsr-3174	305	9	)	)	PUNCT
fsr-3174	305	10	also	also	ADV
fsr-3174	305	11	play	play	VERB
fsr-3174	305	12	a	a	DET
fsr-3174	305	13	highly	highly	ADV
fsr-3174	305	14	significant	significant	ADJ
fsr-3174	305	15	role	role	NOUN
fsr-3174	305	16	,	,	PUNCT
fsr-3174	305	17	but	but	CCONJ
fsr-3174	305	18	the	the	DET
fsr-3174	305	19	effects	effect	NOUN
fsr-3174	305	20	are	be	AUX
fsr-3174	305	21	weaker	weak	ADJ
fsr-3174	305	22	than	than	ADP
fsr-3174	305	23	the	the	DET
fsr-3174	305	24	influence	influence	NOUN
fsr-3174	305	25	of	of	ADP
fsr-3174	305	26	education	education	NOUN
fsr-3174	305	27	.	.	PUNCT
fsr-3174	306	1	as	as	SCONJ
fsr-3174	306	2	expected	expect	VERB
fsr-3174	306	3	,	,	PUNCT
fsr-3174	306	4	financial	financial	ADJ
fsr-3174	306	5	literacy	literacy	NOUN
fsr-3174	306	6	will	will	AUX
fsr-3174	306	7	be	be	AUX
fsr-3174	306	8	higher	high	ADJ
fsr-3174	306	9	at	at	ADP
fsr-3174	306	10	a	a	DET
fsr-3174	306	11	lower	low	ADJ
fsr-3174	306	12	age	age	NOUN
fsr-3174	306	13	(	(	PUNCT
fsr-3174	306	14	guiso	guiso	PROPN
fsr-3174	306	15	&	&	CCONJ
fsr-3174	306	16	sodini	sodini	PROPN
fsr-3174	306	17	,	,	PUNCT
fsr-3174	306	18	2013	2013	NUM
fsr-3174	306	19	;	;	PUNCT
fsr-3174	306	20	calvet	calvet	NOUN
fsr-3174	306	21	et	et	PROPN
fsr-3174	306	22	al	al	PROPN
fsr-3174	306	23	.	.	PROPN
fsr-3174	306	24	,	,	PUNCT
fsr-3174	306	25	2009	2009	NUM
fsr-3174	306	26	;	;	PUNCT
fsr-3174	306	27	korniotis	korniotis	PROPN
fsr-3174	306	28	&	&	CCONJ
fsr-3174	306	29	kumar	kumar	PROPN
fsr-3174	306	30	,	,	PUNCT
fsr-3174	306	31	2011	2011	NUM
fsr-3174	306	32	)	)	PUNCT
fsr-3174	306	33	,	,	PUNCT
fsr-3174	306	34	and	and	CCONJ
fsr-3174	306	35	men	man	NOUN
fsr-3174	306	36	seem	seem	VERB
fsr-3174	306	37	to	to	PART
fsr-3174	306	38	be	be	AUX
fsr-3174	306	39	more	more	ADV
fsr-3174	306	40	financial	financial	ADJ
fsr-3174	306	41	literate	literate	ADJ
fsr-3174	306	42	than	than	ADP
fsr-3174	306	43	women	woman	NOUN
fsr-3174	306	44	(	(	PUNCT
fsr-3174	306	45	bannier	bannier	NOUN
fsr-3174	306	46	&	&	CCONJ
fsr-3174	306	47	schwarz	schwarz	PROPN
fsr-3174	306	48	,	,	PUNCT
fsr-3174	306	49	2018	2018	NUM
fsr-3174	306	50	;	;	PUNCT
fsr-3174	306	51	fey	fey	PROPN
fsr-3174	306	52	et	et	PROPN
fsr-3174	306	53	al	al	PROPN
fsr-3174	306	54	.	.	PROPN
fsr-3174	306	55	,	,	PUNCT
fsr-3174	306	56	2020	2020	NUM
fsr-3174	306	57	;	;	PUNCT
fsr-3174	306	58	guiso	guiso	PROPN
fsr-3174	306	59	&	&	CCONJ
fsr-3174	306	60	zaccaria	zaccaria	PROPN
fsr-3174	306	61	,	,	PUNCT
fsr-3174	306	62	2023	2023	NUM
fsr-3174	306	63	;	;	PUNCT
fsr-3174	306	64	hanna	hanna	PROPN
fsr-3174	306	65	et	et	PROPN
fsr-3174	306	66	al	al	PROPN
fsr-3174	306	67	.	.	PROPN
fsr-3174	306	68	,	,	PUNCT
fsr-3174	306	69	2021	2021	NUM
fsr-3174	306	70	)	)	PUNCT
fsr-3174	306	71	.	.	PUNCT
fsr-3174	307	1	financial	financial	ADJ
fsr-3174	307	2	services	service	NOUN
fsr-3174	307	3	review	review	NOUN
fsr-3174	307	4	,	,	PUNCT
fsr-3174	307	5	31(4	31(4	NUM
fsr-3174	307	6	)	)	PUNCT
fsr-3174	307	7	298	298	NUM
fsr-3174	307	8	risk	risk	NOUN
fsr-3174	307	9	attitude	attitude	NOUN
fsr-3174	307	10	in	in	ADP
fsr-3174	307	11	order	order	NOUN
fsr-3174	307	12	to	to	PART
fsr-3174	307	13	cover	cover	VERB
fsr-3174	307	14	both	both	DET
fsr-3174	307	15	categories	category	NOUN
fsr-3174	307	16	of	of	ADP
fsr-3174	307	17	risk	risk	NOUN
fsr-3174	307	18	attitude	attitude	NOUN
fsr-3174	307	19	,	,	PUNCT
fsr-3174	307	20	we	we	PRON
fsr-3174	307	21	define	define	VERB
fsr-3174	307	22	two	two	NUM
fsr-3174	307	23	measurement	measurement	NOUN
fsr-3174	307	24	variables	variable	NOUN
fsr-3174	307	25	:	:	PUNCT
fsr-3174	307	26	riskfin	riskfin	PROPN
fsr-3174	307	27	,	,	PUNCT
fsr-3174	307	28	the	the	DET
fsr-3174	307	29	self	self	NOUN
fsr-3174	307	30	-	-	PUNCT
fsr-3174	307	31	assessment	assessment	NOUN
fsr-3174	307	32	of	of	ADP
fsr-3174	307	33	risk	risk	NOUN
fsr-3174	307	34	aversion	aversion	NOUN
fsr-3174	307	35	in	in	ADP
fsr-3174	307	36	the	the	DET
fsr-3174	307	37	financial	financial	ADJ
fsr-3174	307	38	domain	domain	NOUN
fsr-3174	307	39	,	,	PUNCT
fsr-3174	307	40	and	and	CCONJ
fsr-3174	307	41	riskgen	riskgen	NOUN
fsr-3174	307	42	,	,	PUNCT
fsr-3174	307	43	the	the	DET
fsr-3174	307	44	selfassessment	selfassessment	NOUN
fsr-3174	307	45	regarding	regard	VERB
fsr-3174	307	46	general	general	ADJ
fsr-3174	307	47	risk	risk	NOUN
fsr-3174	307	48	-	-	PUNCT
fsr-3174	307	49	taking	taking	NOUN
fsr-3174	307	50	.	.	PUNCT
fsr-3174	308	1	their	their	PRON
fsr-3174	308	2	standardized	standardized	ADJ
fsr-3174	308	3	total	total	ADJ
fsr-3174	308	4	effects	effect	NOUN
fsr-3174	308	5	are	be	AUX
fsr-3174	308	6	substantially	substantially	ADV
fsr-3174	308	7	different	different	ADJ
fsr-3174	308	8	:	:	PUNCT
fsr-3174	308	9	.67	.67	NUM
fsr-3174	308	10	on	on	ADP
fsr-3174	308	11	riskfin	riskfin	NOUN
fsr-3174	308	12	and	and	CCONJ
fsr-3174	308	13	.37	.37	NUM
fsr-3174	308	14	on	on	ADP
fsr-3174	308	15	riskgen	riskgen	NOUN
fsr-3174	308	16	.	.	PUNCT
fsr-3174	309	1	overall	overall	ADV
fsr-3174	309	2	,	,	PUNCT
fsr-3174	309	3	the	the	DET
fsr-3174	309	4	squared	square	VERB
fsr-3174	309	5	multiple	multiple	ADJ
fsr-3174	309	6	correlation	correlation	NOUN
fsr-3174	309	7	(	(	PUNCT
fsr-3174	309	8	smc	smc	PROPN
fsr-3174	309	9	)	)	PUNCT
fsr-3174	309	10	of	of	ADP
fsr-3174	309	11	risk	risk	NOUN
fsr-3174	309	12	attitude	attitude	NOUN
fsr-3174	309	13	amounts	amount	VERB
fsr-3174	309	14	to	to	ADP
fsr-3174	309	15	.39	.39	NUM
fsr-3174	309	16	,	,	PUNCT
fsr-3174	309	17	which	which	PRON
fsr-3174	309	18	means	mean	VERB
fsr-3174	309	19	that	that	SCONJ
fsr-3174	309	20	about	about	ADV
fsr-3174	309	21	40	40	NUM
fsr-3174	309	22	%	%	NOUN
fsr-3174	309	23	of	of	ADP
fsr-3174	309	24	the	the	DET
fsr-3174	309	25	variance	variance	NOUN
fsr-3174	309	26	is	be	AUX
fsr-3174	309	27	explained	explain	VERB
fsr-3174	309	28	by	by	ADP
fsr-3174	309	29	the	the	DET
fsr-3174	309	30	assumed	assume	VERB
fsr-3174	309	31	predictors	predictor	NOUN
fsr-3174	309	32	financial	financial	ADJ
fsr-3174	309	33	literacy	literacy	NOUN
fsr-3174	309	34	,	,	PUNCT
fsr-3174	309	35	investment	investment	NOUN
fsr-3174	309	36	experience	experience	NOUN
fsr-3174	309	37	,	,	PUNCT
fsr-3174	309	38	financial	financial	ADJ
fsr-3174	309	39	advice	advice	NOUN
fsr-3174	309	40	,	,	PUNCT
fsr-3174	309	41	gender	gender	NOUN
fsr-3174	309	42	,	,	PUNCT
fsr-3174	309	43	age	age	NOUN
fsr-3174	309	44	,	,	PUNCT
fsr-3174	309	45	net	net	ADJ
fsr-3174	309	46	wealth	wealth	NOUN
fsr-3174	309	47	,	,	PUNCT
fsr-3174	309	48	net	net	ADJ
fsr-3174	309	49	income	income	NOUN
fsr-3174	309	50	,	,	PUNCT
fsr-3174	309	51	and	and	CCONJ
fsr-3174	309	52	satisfaction	satisfaction	NOUN
fsr-3174	309	53	with	with	ADP
fsr-3174	309	54	life	life	NOUN
fsr-3174	309	55	.	.	PUNCT
fsr-3174	310	1	according	accord	VERB
fsr-3174	310	2	to	to	ADP
fsr-3174	310	3	chin	chin	NOUN
fsr-3174	310	4	(	(	PUNCT
fsr-3174	310	5	1998	1998	NUM
fsr-3174	310	6	)	)	PUNCT
fsr-3174	310	7	,	,	PUNCT
fsr-3174	310	8	these	these	DET
fsr-3174	310	9	results	result	NOUN
fsr-3174	310	10	show	show	VERB
fsr-3174	310	11	a	a	DET
fsr-3174	310	12	moderate	moderate	ADJ
fsr-3174	310	13	smc	smc	PROPN
fsr-3174	310	14	.	.	PUNCT
fsr-3174	311	1	our	our	PRON
fsr-3174	311	2	results	result	NOUN
fsr-3174	311	3	indicate	indicate	VERB
fsr-3174	311	4	that	that	SCONJ
fsr-3174	311	5	higher	high	ADJ
fsr-3174	311	6	financial	financial	ADJ
fsr-3174	311	7	literacy	literacy	NOUN
fsr-3174	311	8	will	will	AUX
fsr-3174	311	9	contribute	contribute	VERB
fsr-3174	311	10	to	to	ADP
fsr-3174	311	11	lower	low	ADJ
fsr-3174	311	12	risk	risk	NOUN
fsr-3174	311	13	attitude	attitude	NOUN
fsr-3174	311	14	(	(	PUNCT
fsr-3174	311	15	i.e.	i.e.	X
fsr-3174	311	16	lower	low	ADJ
fsr-3174	311	17	degree	degree	NOUN
fsr-3174	311	18	of	of	ADP
fsr-3174	311	19	risk	risk	NOUN
fsr-3174	311	20	aversion	aversion	NOUN
fsr-3174	311	21	)	)	PUNCT
fsr-3174	311	22	(	(	PUNCT
fsr-3174	311	23	standardized	standardize	VERB
fsr-3174	311	24	total	total	ADJ
fsr-3174	311	25	effect	effect	NOUN
fsr-3174	311	26	:	:	PUNCT
fsr-3174	311	27	.47	.47	NUM
fsr-3174	311	28	,	,	PUNCT
fsr-3174	311	29	p	p	X
fsr-3174	311	30	<	<	X
fsr-3174	311	31	.001	.001	NUM
fsr-3174	311	32	)	)	PUNCT
fsr-3174	311	33	.	.	PUNCT
fsr-3174	312	1	moreover	moreover	ADV
fsr-3174	312	2	,	,	PUNCT
fsr-3174	312	3	risk	risk	NOUN
fsr-3174	312	4	aversion	aversion	NOUN
fsr-3174	312	5	decreases	decrease	VERB
fsr-3174	312	6	with	with	ADP
fsr-3174	312	7	the	the	DET
fsr-3174	312	8	level	level	NOUN
fsr-3174	312	9	of	of	ADP
fsr-3174	312	10	school	school	NOUN
fsr-3174	312	11	education	education	NOUN
fsr-3174	312	12	and	and	CCONJ
fsr-3174	312	13	the	the	DET
fsr-3174	312	14	level	level	NOUN
fsr-3174	312	15	of	of	ADP
fsr-3174	312	16	professional	professional	ADJ
fsr-3174	312	17	qualification	qualification	NOUN
fsr-3174	312	18	.	.	PUNCT
fsr-3174	313	1	as	as	SCONJ
fsr-3174	313	2	expected	expect	VERB
fsr-3174	313	3	,	,	PUNCT
fsr-3174	313	4	positive	positive	ADJ
fsr-3174	313	5	investment	investment	NOUN
fsr-3174	313	6	experience	experience	NOUN
fsr-3174	313	7	(	(	PUNCT
fsr-3174	313	8	i.e.	i.e.	X
fsr-3174	313	9	significant	significant	ADJ
fsr-3174	313	10	gains	gain	NOUN
fsr-3174	313	11	)	)	PUNCT
fsr-3174	313	12	result	result	VERB
fsr-3174	313	13	in	in	ADP
fsr-3174	313	14	a	a	DET
fsr-3174	313	15	lower	low	ADJ
fsr-3174	313	16	degree	degree	NOUN
fsr-3174	313	17	of	of	ADP
fsr-3174	313	18	risk	risk	NOUN
fsr-3174	313	19	aversion	aversion	NOUN
fsr-3174	313	20	,	,	PUNCT
fsr-3174	313	21	while	while	SCONJ
fsr-3174	313	22	significant	significant	ADJ
fsr-3174	313	23	losses	loss	NOUN
fsr-3174	313	24	have	have	VERB
fsr-3174	313	25	the	the	DET
fsr-3174	313	26	opposite	opposite	ADJ
fsr-3174	313	27	effect	effect	NOUN
fsr-3174	313	28	(	(	PUNCT
fsr-3174	313	29	.19	.19	NUM
fsr-3174	313	30	,	,	PUNCT
fsr-3174	313	31	p	p	X
fsr-3174	313	32	<	<	X
fsr-3174	313	33	.001	.001	NUM
fsr-3174	313	34	)	)	PUNCT
fsr-3174	313	35	.	.	PUNCT
fsr-3174	314	1	with	with	ADP
fsr-3174	314	2	respect	respect	NOUN
fsr-3174	314	3	to	to	ADP
fsr-3174	314	4	the	the	DET
fsr-3174	314	5	usefulness	usefulness	NOUN
fsr-3174	314	6	of	of	ADP
fsr-3174	314	7	professional	professional	ADJ
fsr-3174	314	8	advice	advice	NOUN
fsr-3174	314	9	,	,	PUNCT
fsr-3174	314	10	we	we	PRON
fsr-3174	314	11	find	find	VERB
fsr-3174	314	12	that	that	SCONJ
fsr-3174	314	13	financial	financial	ADJ
fsr-3174	314	14	advice	advice	NOUN
fsr-3174	314	15	leads	lead	VERB
fsr-3174	314	16	to	to	ADP
fsr-3174	314	17	lower	low	ADJ
fsr-3174	314	18	risk	risk	NOUN
fsr-3174	314	19	aversion	aversion	NOUN
fsr-3174	314	20	,	,	PUNCT
fsr-3174	314	21	but	but	CCONJ
fsr-3174	314	22	the	the	DET
fsr-3174	314	23	effect	effect	NOUN
fsr-3174	314	24	is	be	AUX
fsr-3174	314	25	rather	rather	ADV
fsr-3174	314	26	weak	weak	ADJ
fsr-3174	314	27	(	(	PUNCT
fsr-3174	314	28	.08	.08	NUM
fsr-3174	314	29	,	,	PUNCT
fsr-3174	314	30	p	p	X
fsr-3174	314	31	<	<	X
fsr-3174	314	32	.001	.001	NUM
fsr-3174	314	33	)	)	PUNCT
fsr-3174	314	34	.	.	PUNCT
fsr-3174	315	1	although	although	SCONJ
fsr-3174	315	2	age	age	NOUN
fsr-3174	315	3	and	and	CCONJ
fsr-3174	315	4	gender	gender	NOUN
fsr-3174	315	5	play	play	VERB
fsr-3174	315	6	a	a	DET
fsr-3174	315	7	significant	significant	ADJ
fsr-3174	315	8	role	role	NOUN
fsr-3174	315	9	,	,	PUNCT
fsr-3174	315	10	their	their	PRON
fsr-3174	315	11	influences	influence	NOUN
fsr-3174	315	12	are	be	AUX
fsr-3174	315	13	weaker	weak	ADJ
fsr-3174	315	14	than	than	ADP
fsr-3174	315	15	the	the	DET
fsr-3174	315	16	influence	influence	NOUN
fsr-3174	315	17	of	of	ADP
fsr-3174	315	18	financial	financial	ADJ
fsr-3174	315	19	literacy	literacy	NOUN
fsr-3174	315	20	.	.	PUNCT
fsr-3174	316	1	as	as	SCONJ
fsr-3174	316	2	expected	expect	VERB
fsr-3174	316	3	,	,	PUNCT
fsr-3174	316	4	risk	risk	NOUN
fsr-3174	316	5	aversion	aversion	NOUN
fsr-3174	316	6	is	be	AUX
fsr-3174	316	7	lower	low	ADJ
fsr-3174	316	8	for	for	ADP
fsr-3174	316	9	younger	young	ADJ
fsr-3174	316	10	fkps	fkps	NOUN
fsr-3174	316	11	(	(	PUNCT
fsr-3174	316	12	.14	.14	NUM
fsr-3174	316	13	,	,	PUNCT
fsr-3174	316	14	p	p	X
fsr-3174	316	15	<	<	X
fsr-3174	316	16	.01	.01	NUM
fsr-3174	316	17	)	)	PUNCT
fsr-3174	316	18	(	(	PUNCT
fsr-3174	316	19	calvet	calvet	NOUN
fsr-3174	316	20	et	et	PROPN
fsr-3174	316	21	al	al	PROPN
fsr-3174	316	22	.	.	PROPN
fsr-3174	316	23	,	,	PUNCT
fsr-3174	316	24	2009	2009	NUM
fsr-3174	316	25	;	;	PUNCT
fsr-3174	316	26	guiso	guiso	PROPN
fsr-3174	316	27	&	&	CCONJ
fsr-3174	316	28	sodini	sodini	PROPN
fsr-3174	316	29	,	,	PUNCT
fsr-3174	316	30	2013	2013	NUM
fsr-3174	316	31	;	;	PUNCT
fsr-3174	316	32	korniotis	korniotis	PROPN
fsr-3174	316	33	&	&	CCONJ
fsr-3174	316	34	kumar	kumar	PROPN
fsr-3174	316	35	,	,	PUNCT
fsr-3174	316	36	2011	2011	NUM
fsr-3174	316	37	)	)	PUNCT
fsr-3174	316	38	,	,	PUNCT
fsr-3174	316	39	and	and	CCONJ
fsr-3174	316	40	women	woman	NOUN
fsr-3174	316	41	are	be	AUX
fsr-3174	316	42	more	more	ADJ
fsr-3174	316	43	risk	risk	NOUN
fsr-3174	316	44	averse	averse	ADJ
fsr-3174	316	45	than	than	ADP
fsr-3174	316	46	men	man	NOUN
fsr-3174	316	47	(	(	PUNCT
fsr-3174	316	48	.21	.21	NUM
fsr-3174	316	49	,	,	PUNCT
fsr-3174	316	50	p	p	X
fsr-3174	316	51	<	<	X
fsr-3174	316	52	.001	.001	NUM
fsr-3174	316	53	)	)	PUNCT
fsr-3174	317	1	(	(	PUNCT
fsr-3174	317	2	fey	fey	PROPN
fsr-3174	317	3	et	et	PROPN
fsr-3174	317	4	al	al	PROPN
fsr-3174	317	5	.	.	PROPN
fsr-3174	317	6	,	,	PUNCT
fsr-3174	317	7	2020	2020	NUM
fsr-3174	317	8	;	;	PUNCT
fsr-3174	317	9	guiso	guiso	PROPN
fsr-3174	317	10	&	&	CCONJ
fsr-3174	317	11	zaccaria	zaccaria	PROPN
fsr-3174	317	12	,	,	PUNCT
fsr-3174	317	13	2023	2023	NUM
fsr-3174	317	14	;	;	PUNCT
fsr-3174	317	15	halko	halko	ADV
fsr-3174	317	16	et	et	PROPN
fsr-3174	317	17	al	al	PROPN
fsr-3174	317	18	.	.	PROPN
fsr-3174	317	19	,	,	PUNCT
fsr-3174	317	20	2012	2012	NUM
fsr-3174	317	21	;	;	PUNCT
fsr-3174	317	22	hanna	hanna	PROPN
fsr-3174	317	23	et	et	PROPN
fsr-3174	317	24	al	al	PROPN
fsr-3174	317	25	.	.	PROPN
fsr-3174	317	26	,	,	PUNCT
fsr-3174	317	27	2021	2021	NUM
fsr-3174	317	28	)	)	PUNCT
fsr-3174	317	29	.	.	PUNCT
fsr-3174	318	1	our	our	PRON
fsr-3174	318	2	results	result	NOUN
fsr-3174	318	3	indicate	indicate	VERB
fsr-3174	318	4	that	that	SCONJ
fsr-3174	318	5	higher	high	ADJ
fsr-3174	318	6	net	net	ADJ
fsr-3174	318	7	wealth	wealth	NOUN
fsr-3174	318	8	will	will	AUX
fsr-3174	318	9	contribute	contribute	VERB
fsr-3174	318	10	to	to	ADP
fsr-3174	318	11	lower	low	ADJ
fsr-3174	318	12	risk	risk	NOUN
fsr-3174	318	13	attitude	attitude	NOUN
fsr-3174	318	14	(	(	PUNCT
fsr-3174	318	15	i.e.	i.e.	X
fsr-3174	318	16	,	,	PUNCT
fsr-3174	318	17	lower	low	ADJ
fsr-3174	318	18	risk	risk	NOUN
fsr-3174	318	19	aversion	aversion	NOUN
fsr-3174	318	20	)	)	PUNCT
fsr-3174	318	21	(	(	PUNCT
fsr-3174	318	22	standardized	standardize	VERB
fsr-3174	318	23	total	total	ADJ
fsr-3174	318	24	effect	effect	NOUN
fsr-3174	318	25	:	:	PUNCT
fsr-3174	318	26	.09	.09	NUM
fsr-3174	318	27	,	,	PUNCT
fsr-3174	318	28	p	p	X
fsr-3174	318	29	<	<	X
fsr-3174	318	30	.001	.001	NUM
fsr-3174	318	31	)	)	PUNCT
fsr-3174	318	32	(	(	PUNCT
fsr-3174	318	33	calvet	calvet	NOUN
fsr-3174	318	34	&	&	CCONJ
fsr-3174	318	35	sodini	sodini	PROPN
fsr-3174	318	36	,	,	PUNCT
fsr-3174	318	37	2014	2014	NUM
fsr-3174	318	38	;	;	PUNCT
fsr-3174	318	39	fey	fey	PROPN
fsr-3174	318	40	at	at	ADP
fsr-3174	318	41	al	al	PROPN
fsr-3174	318	42	.	.	PROPN
fsr-3174	318	43	,	,	PUNCT
fsr-3174	318	44	2020	2020	NUM
fsr-3174	318	45	;	;	PUNCT
fsr-3174	318	46	laurinaityte	laurinaityte	PROPN
fsr-3174	318	47	,	,	PUNCT
fsr-3174	318	48	2018	2018	NUM
fsr-3174	318	49	)	)	PUNCT
fsr-3174	318	50	.	.	PUNCT
fsr-3174	319	1	however	however	ADV
fsr-3174	319	2	,	,	PUNCT
fsr-3174	319	3	the	the	DET
fsr-3174	319	4	latter	latter	ADJ
fsr-3174	319	5	effect	effect	NOUN
fsr-3174	319	6	is	be	AUX
fsr-3174	319	7	not	not	PART
fsr-3174	319	8	strong	strong	ADJ
fsr-3174	319	9	in	in	ADP
fsr-3174	319	10	magnitude	magnitude	NOUN
fsr-3174	319	11	.	.	PUNCT
fsr-3174	320	1	contrary	contrary	ADJ
fsr-3174	320	2	to	to	ADP
fsr-3174	320	3	our	our	PRON
fsr-3174	320	4	expectation	expectation	NOUN
fsr-3174	320	5	,	,	PUNCT
fsr-3174	320	6	higher	high	ADJ
fsr-3174	320	7	net	net	ADJ
fsr-3174	320	8	income	income	NOUN
fsr-3174	320	9	does	do	AUX
fsr-3174	320	10	not	not	PART
fsr-3174	320	11	result	result	VERB
fsr-3174	320	12	in	in	ADP
fsr-3174	320	13	a	a	DET
fsr-3174	320	14	lower	low	ADJ
fsr-3174	320	15	degree	degree	NOUN
fsr-3174	320	16	of	of	ADP
fsr-3174	320	17	risk	risk	NOUN
fsr-3174	320	18	aversion	aversion	NOUN
fsr-3174	320	19	.	.	PUNCT
fsr-3174	321	1	as	as	SCONJ
fsr-3174	321	2	mentioned	mention	VERB
fsr-3174	321	3	above	above	ADP
fsr-3174	321	4	this	this	PRON
fsr-3174	321	5	could	could	AUX
fsr-3174	321	6	be	be	AUX
fsr-3174	321	7	due	due	ADJ
fsr-3174	321	8	to	to	ADP
fsr-3174	321	9	the	the	DET
fsr-3174	321	10	fact	fact	NOUN
fsr-3174	321	11	that	that	SCONJ
fsr-3174	321	12	household	household	NOUN
fsr-3174	321	13	’s	’s	PART
fsr-3174	321	14	income	income	NOUN
fsr-3174	321	15	stems	stem	VERB
fsr-3174	321	16	from	from	ADP
fsr-3174	321	17	different	different	ADJ
fsr-3174	321	18	sources	source	NOUN
fsr-3174	321	19	,	,	PUNCT
fsr-3174	321	20	in	in	ADP
fsr-3174	321	21	particular	particular	ADJ
fsr-3174	321	22	from	from	ADP
fsr-3174	321	23	employment	employment	NOUN
fsr-3174	321	24	,	,	PUNCT
fsr-3174	321	25	self	self	NOUN
fsr-3174	321	26	-	-	PUNCT
fsr-3174	321	27	employment	employment	NOUN
fsr-3174	321	28	,	,	PUNCT
fsr-3174	321	29	and	and	CCONJ
fsr-3174	321	30	pensions	pension	NOUN
fsr-3174	321	31	.	.	PUNCT
fsr-3174	322	1	calvet	calvet	NOUN
fsr-3174	322	2	et	et	PROPN
fsr-3174	322	3	al	al	PROPN
fsr-3174	322	4	.	.	PROPN
fsr-3174	323	1	(	(	PUNCT
fsr-3174	323	2	2021	2021	NUM
fsr-3174	323	3	)	)	PUNCT
fsr-3174	323	4	estimate	estimate	VERB
fsr-3174	323	5	a	a	DET
fsr-3174	323	6	lower	low	ADJ
fsr-3174	323	7	degree	degree	NOUN
fsr-3174	323	8	of	of	ADP
fsr-3174	323	9	risk	risk	NOUN
fsr-3174	323	10	aversion	aversion	NOUN
fsr-3174	323	11	for	for	ADP
fsr-3174	323	12	households	household	NOUN
fsr-3174	323	13	with	with	ADP
fsr-3174	323	14	riskier	risky	ADJ
fsr-3174	323	15	labor	labor	NOUN
fsr-3174	323	16	income	income	NOUN
fsr-3174	323	17	.	.	PUNCT
fsr-3174	324	1	further	far	ADV
fsr-3174	324	2	,	,	PUNCT
fsr-3174	324	3	reduced	reduce	VERB
fsr-3174	324	4	income	income	NOUN
fsr-3174	324	5	in	in	ADP
fsr-3174	324	6	old	old	ADJ
fsr-3174	324	7	age	age	NOUN
fsr-3174	324	8	from	from	ADP
fsr-3174	324	9	low	low	ADJ
fsr-3174	324	10	pensions	pension	NOUN
fsr-3174	324	11	may	may	AUX
fsr-3174	324	12	led	lead	VERB
fsr-3174	324	13	to	to	ADP
fsr-3174	324	14	higher	high	ADJ
fsr-3174	324	15	risk	risk	NOUN
fsr-3174	324	16	aversion	aversion	NOUN
fsr-3174	324	17	.	.	PUNCT
fsr-3174	325	1	both	both	DET
fsr-3174	325	2	effects	effect	NOUN
fsr-3174	325	3	could	could	AUX
fsr-3174	325	4	explain	explain	VERB
fsr-3174	325	5	our	our	PRON
fsr-3174	325	6	findings	finding	NOUN
fsr-3174	325	7	.	.	PUNCT
fsr-3174	326	1	satisfaction	satisfaction	NOUN
fsr-3174	326	2	with	with	ADP
fsr-3174	326	3	life	life	NOUN
fsr-3174	326	4	(	(	PUNCT
fsr-3174	326	5	present	present	ADJ
fsr-3174	326	6	)	)	PUNCT
fsr-3174	326	7	has	have	VERB
fsr-3174	326	8	only	only	ADV
fsr-3174	326	9	a	a	DET
fsr-3174	326	10	small	small	ADJ
fsr-3174	326	11	impact	impact	NOUN
fsr-3174	326	12	on	on	ADP
fsr-3174	326	13	risk	risk	NOUN
fsr-3174	326	14	aversion	aversion	NOUN
fsr-3174	326	15	(	(	PUNCT
fsr-3174	326	16	.09	.09	NUM
fsr-3174	326	17	,	,	PUNCT
fsr-3174	326	18	p	p	X
fsr-3174	326	19	<	<	X
fsr-3174	326	20	.001	.001	NUM
fsr-3174	326	21	)	)	PUNCT
fsr-3174	326	22	.	.	PUNCT
fsr-3174	327	1	discussion	discussion	NOUN
fsr-3174	327	2	stock	stock	NOUN
fsr-3174	327	3	market	market	NOUN
fsr-3174	327	4	investments	investment	NOUN
fsr-3174	327	5	are	be	AUX
fsr-3174	327	6	in	in	ADP
fsr-3174	327	7	the	the	DET
fsr-3174	327	8	spotlight	spotlight	NOUN
fsr-3174	327	9	of	of	ADP
fsr-3174	327	10	the	the	DET
fsr-3174	327	11	household	household	NOUN
fsr-3174	327	12	finance	finance	NOUN
fsr-3174	327	13	literature	literature	NOUN
fsr-3174	327	14	,	,	PUNCT
fsr-3174	327	15	although	although	SCONJ
fsr-3174	327	16	realworld	realworld	PROPN
fsr-3174	327	17	households	household	NOUN
fsr-3174	327	18	make	make	VERB
fsr-3174	327	19	other	other	ADJ
fsr-3174	327	20	financial	financial	ADJ
fsr-3174	327	21	decisions	decision	NOUN
fsr-3174	327	22	of	of	ADP
fsr-3174	327	23	higher	high	ADJ
fsr-3174	327	24	relevance	relevance	NOUN
fsr-3174	327	25	(	(	PUNCT
fsr-3174	327	26	kaustia	kaustia	PROPN
fsr-3174	327	27	et	et	PROPN
fsr-3174	327	28	al	al	PROPN
fsr-3174	327	29	.	.	PROPN
fsr-3174	327	30	,	,	PUNCT
fsr-3174	327	31	2023	2023	NUM
fsr-3174	327	32	)	)	PUNCT
fsr-3174	327	33	.	.	PUNCT
fsr-3174	328	1	we	we	PRON
fsr-3174	328	2	widen	widen	VERB
fsr-3174	328	3	the	the	DET
fsr-3174	328	4	scope	scope	NOUN
fsr-3174	328	5	and	and	CCONJ
fsr-3174	328	6	include	include	VERB
fsr-3174	328	7	decisions	decision	NOUN
fsr-3174	328	8	related	relate	VERB
fsr-3174	328	9	to	to	ADP
fsr-3174	328	10	voluntary	voluntary	ADJ
fsr-3174	328	11	pension	pension	NOUN
fsr-3174	328	12	plans	plan	NOUN
fsr-3174	328	13	,	,	PUNCT
fsr-3174	328	14	whole	whole	ADJ
fsr-3174	328	15	life	life	NOUN
fsr-3174	328	16	insurance	insurance	NOUN
fsr-3174	328	17	contracts	contract	NOUN
fsr-3174	328	18	,	,	PUNCT
fsr-3174	328	19	housing	housing	NOUN
fsr-3174	328	20	,	,	PUNCT
fsr-3174	328	21	and	and	CCONJ
fsr-3174	328	22	investments	investment	NOUN
fsr-3174	328	23	in	in	ADP
fsr-3174	328	24	risky	risky	ADJ
fsr-3174	328	25	assets	asset	NOUN
fsr-3174	328	26	other	other	ADJ
fsr-3174	328	27	than	than	ADP
fsr-3174	328	28	stocks	stock	NOUN
fsr-3174	328	29	,	,	PUNCT
fsr-3174	328	30	(	(	PUNCT
fsr-3174	328	31	e.g.	e.g.	ADV
fsr-3174	328	32	,	,	PUNCT
fsr-3174	328	33	bonds	bond	NOUN
fsr-3174	328	34	and	and	CCONJ
fsr-3174	328	35	mutual	mutual	ADJ
fsr-3174	328	36	funds	fund	NOUN
fsr-3174	328	37	)	)	PUNCT
fsr-3174	328	38	.	.	PUNCT
fsr-3174	329	1	further	far	ADV
fsr-3174	329	2	,	,	PUNCT
fsr-3174	329	3	we	we	PRON
fsr-3174	329	4	provide	provide	VERB
fsr-3174	329	5	a	a	DET
fsr-3174	329	6	methodology	methodology	NOUN
fsr-3174	329	7	that	that	PRON
fsr-3174	329	8	goes	go	VERB
fsr-3174	329	9	beyond	beyond	ADP
fsr-3174	329	10	regression	regression	NOUN
fsr-3174	329	11	analysis	analysis	NOUN
fsr-3174	329	12	by	by	ADP
fsr-3174	329	13	employing	employ	VERB
fsr-3174	329	14	a	a	DET
fsr-3174	329	15	multi	multi	ADJ
fsr-3174	329	16	-	-	ADJ
fsr-3174	329	17	factor	factor	ADJ
fsr-3174	329	18	structural	structural	ADJ
fsr-3174	329	19	analysis	analysis	NOUN
fsr-3174	329	20	and	and	CCONJ
fsr-3174	329	21	apply	apply	VERB
fsr-3174	329	22	it	it	PRON
fsr-3174	329	23	on	on	ADP
fsr-3174	329	24	data	datum	NOUN
fsr-3174	329	25	from	from	ADP
fsr-3174	329	26	a	a	DET
fsr-3174	329	27	broad	broad	ADJ
fsr-3174	329	28	and	and	CCONJ
fsr-3174	329	29	representative	representative	ADJ
fsr-3174	329	30	survey	survey	NOUN
fsr-3174	329	31	of	of	ADP
fsr-3174	329	32	the	the	DET
fsr-3174	329	33	german	german	ADJ
fsr-3174	329	34	central	central	ADJ
fsr-3174	329	35	bank	bank	NOUN
fsr-3174	329	36	.	.	PUNCT
fsr-3174	330	1	our	our	PRON
fsr-3174	330	2	sea	sea	NOUN
fsr-3174	330	3	allows	allow	VERB
fsr-3174	330	4	us	we	PRON
fsr-3174	330	5	to	to	PART
fsr-3174	330	6	investigate	investigate	VERB
fsr-3174	330	7	and	and	CCONJ
fsr-3174	330	8	quantitatively	quantitatively	ADV
fsr-3174	330	9	estimate	estimate	VERB
fsr-3174	330	10	complex	complex	ADJ
fsr-3174	330	11	relationship	relationship	NOUN
fsr-3174	330	12	structures	structure	NOUN
fsr-3174	330	13	between	between	ADP
fsr-3174	330	14	manifest	manifest	ADJ
fsr-3174	330	15	and/or	and/or	CCONJ
fsr-3174	330	16	latent	latent	NOUN
fsr-3174	330	17	variables	variable	NOUN
fsr-3174	330	18	.	.	PUNCT
fsr-3174	331	1	in	in	ADP
fsr-3174	331	2	contrast	contrast	NOUN
fsr-3174	331	3	to	to	PART
fsr-3174	331	4	regression	regression	VERB
fsr-3174	331	5	analysis	analysis	NOUN
fsr-3174	331	6	,	,	PUNCT
fsr-3174	331	7	sea	sea	NOUN
fsr-3174	331	8	tests	test	NOUN
fsr-3174	331	9	several	several	ADJ
fsr-3174	331	10	causal	causal	ADJ
fsr-3174	331	11	hypotheses	hypothesis	NOUN
fsr-3174	331	12	simultaneously	simultaneously	ADV
fsr-3174	331	13	.	.	PUNCT
fsr-3174	332	1	our	our	PRON
fsr-3174	332	2	structural	structural	ADJ
fsr-3174	332	3	equation	equation	NOUN
fsr-3174	332	4	model	model	NOUN
fsr-3174	332	5	explains	explain	VERB
fsr-3174	332	6	about	about	ADP
fsr-3174	332	7	60	60	NUM
fsr-3174	332	8	%	%	NOUN
fsr-3174	332	9	of	of	ADP
fsr-3174	332	10	the	the	DET
fsr-3174	332	11	variation	variation	NOUN
fsr-3174	332	12	in	in	ADP
fsr-3174	332	13	the	the	DET
fsr-3174	332	14	capital	capital	NOUN
fsr-3174	332	15	market	market	NOUN
fsr-3174	332	16	participation	participation	NOUN
fsr-3174	332	17	decision	decision	NOUN
fsr-3174	332	18	.	.	PUNCT
fsr-3174	333	1	yet	yet	ADV
fsr-3174	333	2	,	,	PUNCT
fsr-3174	333	3	our	our	PRON
fsr-3174	333	4	study	study	NOUN
fsr-3174	333	5	uses	use	VERB
fsr-3174	333	6	a	a	DET
fsr-3174	333	7	cross	cross	ADJ
fsr-3174	333	8	-	-	ADJ
fsr-3174	333	9	sectional	sectional	ADJ
fsr-3174	333	10	dataset	dataset	NOUN
fsr-3174	333	11	.	.	PUNCT
fsr-3174	334	1	hence	hence	ADV
fsr-3174	334	2	,	,	PUNCT
fsr-3174	334	3	we	we	PRON
fsr-3174	334	4	discuss	discuss	VERB
fsr-3174	334	5	our	our	PRON
fsr-3174	334	6	findings	finding	NOUN
fsr-3174	334	7	with	with	ADP
fsr-3174	334	8	caution	caution	NOUN
fsr-3174	334	9	in	in	ADP
fsr-3174	334	10	terms	term	NOUN
fsr-3174	334	11	of	of	ADP
fsr-3174	334	12	causality	causality	NOUN
fsr-3174	334	13	.	.	PUNCT
fsr-3174	335	1	the	the	DET
fsr-3174	335	2	results	result	NOUN
fsr-3174	335	3	show	show	VERB
fsr-3174	335	4	that	that	SCONJ
fsr-3174	335	5	although	although	SCONJ
fsr-3174	335	6	households	household	NOUN
fsr-3174	335	7	’	'	PUNCT
fsr-3174	335	8	financial	financial	ADJ
fsr-3174	335	9	literacy	literacy	NOUN
fsr-3174	335	10	and	and	CCONJ
fsr-3174	335	11	risk	risk	NOUN
fsr-3174	335	12	aversion	aversion	NOUN
fsr-3174	335	13	are	be	AUX
fsr-3174	335	14	the	the	DET
fsr-3174	335	15	dominant	dominant	ADJ
fsr-3174	335	16	drivers	driver	NOUN
fsr-3174	335	17	of	of	ADP
fsr-3174	335	18	investments	investment	NOUN
fsr-3174	335	19	in	in	ADP
fsr-3174	335	20	risky	risky	ADJ
fsr-3174	335	21	assets	asset	NOUN
fsr-3174	335	22	,	,	PUNCT
fsr-3174	335	23	further	further	ADJ
fsr-3174	335	24	factors	factor	NOUN
fsr-3174	335	25	such	such	ADJ
fsr-3174	335	26	as	as	ADP
fsr-3174	335	27	wealth	wealth	NOUN
fsr-3174	335	28	,	,	PUNCT
fsr-3174	335	29	voluntary	voluntary	ADJ
fsr-3174	335	30	pension	pension	NOUN
fsr-3174	335	31	plans	plan	NOUN
fsr-3174	335	32	and	and	CCONJ
fsr-3174	335	33	whole	whole	ADJ
fsr-3174	335	34	life	life	NOUN
fsr-3174	335	35	insurance	insurance	NOUN
fsr-3174	335	36	contracts	contract	NOUN
fsr-3174	335	37	,	,	PUNCT
fsr-3174	335	38	financial	financial	ADJ
fsr-3174	335	39	advice	advice	NOUN
fsr-3174	335	40	,	,	PUNCT
fsr-3174	335	41	and	and	CCONJ
fsr-3174	335	42	investment	investment	NOUN
fsr-3174	335	43	experience	experience	NOUN
fsr-3174	335	44	play	play	VERB
fsr-3174	335	45	a	a	DET
fsr-3174	335	46	remarkable	remarkable	ADJ
fsr-3174	335	47	role	role	NOUN
fsr-3174	335	48	.	.	PUNCT
fsr-3174	336	1	financial	financial	ADJ
fsr-3174	336	2	literacy	literacy	NOUN
fsr-3174	336	3	reduces	reduce	VERB
fsr-3174	336	4	risk	risk	NOUN
fsr-3174	336	5	aversion	aversion	NOUN
fsr-3174	336	6	(	(	PUNCT
fsr-3174	336	7	i.e.	i.e.	X
fsr-3174	336	8	,	,	PUNCT
fsr-3174	336	9	the	the	PRON
fsr-3174	336	10	higher	high	ADJ
fsr-3174	336	11	the	the	DET
fsr-3174	336	12	financial	financial	ADJ
fsr-3174	336	13	literacy	literacy	NOUN
fsr-3174	336	14	,	,	PUNCT
fsr-3174	336	15	the	the	DET
fsr-3174	336	16	lower	low	ADJ
fsr-3174	336	17	is	be	AUX
fsr-3174	336	18	the	the	DET
fsr-3174	336	19	risk	risk	NOUN
fsr-3174	336	20	aversion	aversion	NOUN
fsr-3174	336	21	)	)	PUNCT
fsr-3174	336	22	.	.	PUNCT
fsr-3174	337	1	since	since	SCONJ
fsr-3174	337	2	cmp	cmp	PROPN
fsr-3174	337	3	is	be	AUX
fsr-3174	337	4	related	relate	VERB
fsr-3174	337	5	to	to	ADP
fsr-3174	337	6	investment	investment	NOUN
fsr-3174	337	7	experiences	experience	NOUN
fsr-3174	337	8	,	,	PUNCT
fsr-3174	337	9	financial	financial	ADJ
fsr-3174	337	10	advisors	advisor	NOUN
fsr-3174	337	11	should	should	AUX
fsr-3174	337	12	take	take	VERB
fsr-3174	337	13	care	care	NOUN
fsr-3174	337	14	of	of	ADP
fsr-3174	337	15	clients	client	NOUN
fsr-3174	337	16	that	that	PRON
fsr-3174	337	17	suffered	suffer	VERB
fsr-3174	337	18	from	from	ADP
fsr-3174	337	19	losses	loss	NOUN
fsr-3174	337	20	,	,	PUNCT
fsr-3174	337	21	explain	explain	VERB
fsr-3174	337	22	that	that	SCONJ
fsr-3174	337	23	temporary	temporary	ADJ
fsr-3174	337	24	losses	loss	NOUN
fsr-3174	337	25	are	be	AUX
fsr-3174	337	26	part	part	NOUN
fsr-3174	337	27	of	of	ADP
fsr-3174	337	28	risky	risky	ADJ
fsr-3174	337	29	investments	investment	NOUN
fsr-3174	337	30	,	,	PUNCT
fsr-3174	337	31	and	and	CCONJ
fsr-3174	337	32	that	that	SCONJ
fsr-3174	337	33	a	a	DET
fsr-3174	337	34	complete	complete	ADJ
fsr-3174	337	35	divestment	divestment	NOUN
fsr-3174	337	36	from	from	ADP
fsr-3174	337	37	capital	capital	NOUN
fsr-3174	337	38	markets	market	NOUN
fsr-3174	337	39	would	would	AUX
fsr-3174	337	40	harm	harm	VERB
fsr-3174	337	41	the	the	DET
fsr-3174	337	42	clients	client	NOUN
fsr-3174	337	43	’	’	PART
fsr-3174	337	44	future	future	ADJ
fsr-3174	337	45	wealth	wealth	NOUN
fsr-3174	337	46	accumulation	accumulation	NOUN
fsr-3174	337	47	severely	severely	ADV
fsr-3174	337	48	.	.	PUNCT
fsr-3174	338	1	we	we	PRON
fsr-3174	338	2	do	do	AUX
fsr-3174	338	3	not	not	PART
fsr-3174	338	4	find	find	VERB
fsr-3174	338	5	significant	significant	ADJ
fsr-3174	338	6	oehler	oehler	NOUN
fsr-3174	338	7	&	&	CCONJ
fsr-3174	338	8	horn	horn	PROPN
fsr-3174	338	9	299	299	NUM
fsr-3174	338	10	results	result	NOUN
fsr-3174	338	11	of	of	ADP
fsr-3174	338	12	housing	housing	NOUN
fsr-3174	338	13	on	on	ADP
fsr-3174	338	14	capital	capital	NOUN
fsr-3174	338	15	market	market	NOUN
fsr-3174	338	16	participation	participation	NOUN
fsr-3174	338	17	,	,	PUNCT
fsr-3174	338	18	but	but	CCONJ
fsr-3174	338	19	age	age	NOUN
fsr-3174	338	20	and	and	CCONJ
fsr-3174	338	21	gender	gender	NOUN
fsr-3174	338	22	play	play	VERB
fsr-3174	338	23	a	a	DET
fsr-3174	338	24	role	role	NOUN
fsr-3174	338	25	,	,	PUNCT
fsr-3174	338	26	directly	directly	ADV
fsr-3174	338	27	,	,	PUNCT
fsr-3174	338	28	and	and	CCONJ
fsr-3174	338	29	indirectly	indirectly	ADV
fsr-3174	338	30	via	via	ADP
fsr-3174	338	31	financial	financial	ADJ
fsr-3174	338	32	literacy	literacy	NOUN
fsr-3174	338	33	and	and	CCONJ
fsr-3174	338	34	risk	risk	NOUN
fsr-3174	338	35	attitude	attitude	NOUN
fsr-3174	338	36	.	.	PUNCT
fsr-3174	339	1	as	as	SCONJ
fsr-3174	339	2	proposed	propose	VERB
fsr-3174	339	3	in	in	ADP
fsr-3174	339	4	our	our	PRON
fsr-3174	339	5	structural	structural	ADJ
fsr-3174	339	6	model	model	NOUN
fsr-3174	339	7	,	,	PUNCT
fsr-3174	339	8	financial	financial	ADJ
fsr-3174	339	9	literacy	literacy	NOUN
fsr-3174	339	10	has	have	VERB
fsr-3174	339	11	a	a	DET
fsr-3174	339	12	strong	strong	ADJ
fsr-3174	339	13	impact	impact	NOUN
fsr-3174	339	14	on	on	ADP
fsr-3174	339	15	capital	capital	NOUN
fsr-3174	339	16	market	market	NOUN
fsr-3174	339	17	participation	participation	NOUN
fsr-3174	339	18	(	(	PUNCT
fsr-3174	339	19	.43	.43	NUM
fsr-3174	339	20	)	)	PUNCT
fsr-3174	339	21	.	.	PUNCT
fsr-3174	340	1	our	our	PRON
fsr-3174	340	2	analysis	analysis	NOUN
fsr-3174	340	3	additionally	additionally	ADV
fsr-3174	340	4	allows	allow	VERB
fsr-3174	340	5	us	we	PRON
fsr-3174	340	6	to	to	PART
fsr-3174	340	7	attribute	attribute	VERB
fsr-3174	340	8	this	this	DET
fsr-3174	340	9	influence	influence	NOUN
fsr-3174	340	10	on	on	ADP
fsr-3174	340	11	cmp	cmp	NOUN
fsr-3174	340	12	to	to	ADP
fsr-3174	340	13	a	a	DET
fsr-3174	340	14	direct	direct	ADJ
fsr-3174	340	15	component	component	NOUN
fsr-3174	340	16	and	and	CCONJ
fsr-3174	340	17	to	to	ADP
fsr-3174	340	18	an	an	DET
fsr-3174	340	19	indirect	indirect	ADJ
fsr-3174	340	20	effect	effect	NOUN
fsr-3174	340	21	via	via	ADP
fsr-3174	340	22	risk	risk	NOUN
fsr-3174	340	23	attitude	attitude	NOUN
fsr-3174	340	24	.	.	PUNCT
fsr-3174	341	1	the	the	DET
fsr-3174	341	2	direct	direct	ADJ
fsr-3174	341	3	effect	effect	NOUN
fsr-3174	341	4	amounts	amount	VERB
fsr-3174	341	5	to	to	ADP
fsr-3174	341	6	the	the	DET
fsr-3174	341	7	smaller	small	ADJ
fsr-3174	341	8	part	part	NOUN
fsr-3174	341	9	(	(	PUNCT
fsr-3174	341	10	.18	.18	NUM
fsr-3174	341	11	or	or	CCONJ
fsr-3174	341	12	42	42	NUM
fsr-3174	341	13	%	%	NOUN
fsr-3174	341	14	of	of	ADP
fsr-3174	341	15	the	the	DET
fsr-3174	341	16	effect	effect	NOUN
fsr-3174	341	17	)	)	PUNCT
fsr-3174	341	18	,	,	PUNCT
fsr-3174	341	19	while	while	SCONJ
fsr-3174	341	20	the	the	DET
fsr-3174	341	21	indirect	indirect	ADJ
fsr-3174	341	22	part	part	NOUN
fsr-3174	341	23	via	via	ADP
fsr-3174	341	24	risk	risk	NOUN
fsr-3174	341	25	attitude	attitude	NOUN
fsr-3174	341	26	is	be	AUX
fsr-3174	341	27	higher	high	ADJ
fsr-3174	341	28	(	(	PUNCT
fsr-3174	341	29	.25	.25	NUM
fsr-3174	341	30	or	or	CCONJ
fsr-3174	341	31	58	58	NUM
fsr-3174	341	32	%	%	NOUN
fsr-3174	341	33	)	)	PUNCT
fsr-3174	341	34	.	.	PUNCT
fsr-3174	342	1	the	the	PRON
fsr-3174	342	2	higher	high	ADJ
fsr-3174	342	3	the	the	DET
fsr-3174	342	4	financial	financial	ADJ
fsr-3174	342	5	literacy	literacy	NOUN
fsr-3174	342	6	,	,	PUNCT
fsr-3174	342	7	the	the	PRON
fsr-3174	342	8	lower	low	ADJ
fsr-3174	342	9	the	the	DET
fsr-3174	342	10	risk	risk	NOUN
fsr-3174	342	11	aversion	aversion	NOUN
fsr-3174	342	12	is	be	AUX
fsr-3174	342	13	;	;	PUNCT
fsr-3174	342	14	and	and	CCONJ
fsr-3174	342	15	lower	low	ADJ
fsr-3174	342	16	risk	risk	NOUN
fsr-3174	342	17	aversion	aversion	NOUN
fsr-3174	342	18	is	be	AUX
fsr-3174	342	19	associated	associate	VERB
fsr-3174	342	20	with	with	ADP
fsr-3174	342	21	higher	high	ADJ
fsr-3174	342	22	investments	investment	NOUN
fsr-3174	342	23	in	in	ADP
fsr-3174	342	24	risky	risky	ADJ
fsr-3174	342	25	assets	asset	NOUN
fsr-3174	342	26	.	.	PUNCT
fsr-3174	343	1	contrary	contrary	ADJ
fsr-3174	343	2	to	to	ADP
fsr-3174	343	3	our	our	PRON
fsr-3174	343	4	expectation	expectation	NOUN
fsr-3174	343	5	,	,	PUNCT
fsr-3174	343	6	higher	high	ADJ
fsr-3174	343	7	net	net	ADJ
fsr-3174	343	8	income	income	NOUN
fsr-3174	343	9	results	result	VERB
fsr-3174	343	10	not	not	PART
fsr-3174	343	11	in	in	ADP
fsr-3174	343	12	a	a	DET
fsr-3174	343	13	larger	large	ADJ
fsr-3174	343	14	cmp	cmp	NOUN
fsr-3174	343	15	.	.	PUNCT
fsr-3174	344	1	therefore	therefore	ADV
fsr-3174	344	2	,	,	PUNCT
fsr-3174	344	3	we	we	PRON
fsr-3174	344	4	dig	dig	VERB
fsr-3174	344	5	deeper	deeply	ADV
fsr-3174	344	6	and	and	CCONJ
fsr-3174	344	7	differentiate	differentiate	VERB
fsr-3174	344	8	different	different	ADJ
fsr-3174	344	9	income	income	NOUN
fsr-3174	344	10	types	type	NOUN
fsr-3174	344	11	instead	instead	ADV
fsr-3174	344	12	of	of	ADP
fsr-3174	344	13	only	only	ADV
fsr-3174	344	14	looking	look	VERB
fsr-3174	344	15	at	at	ADP
fsr-3174	344	16	total	total	ADJ
fsr-3174	344	17	net	net	ADJ
fsr-3174	344	18	income	income	NOUN
fsr-3174	344	19	.	.	PUNCT
fsr-3174	345	1	if	if	SCONJ
fsr-3174	345	2	we	we	PRON
fsr-3174	345	3	examine	examine	VERB
fsr-3174	345	4	the	the	DET
fsr-3174	345	5	entire	entire	ADJ
fsr-3174	345	6	sample	sample	NOUN
fsr-3174	345	7	of	of	ADP
fsr-3174	345	8	4,538	4,538	NUM
fsr-3174	345	9	households	household	NOUN
fsr-3174	345	10	,	,	PUNCT
fsr-3174	345	11	only	only	ADV
fsr-3174	345	12	1,202	1,202	NUM
fsr-3174	345	13	households	household	NOUN
fsr-3174	345	14	report	report	NOUN
fsr-3174	345	15	investing	invest	VERB
fsr-3174	345	16	in	in	ADP
fsr-3174	345	17	mutual	mutual	ADJ
fsr-3174	345	18	funds	fund	NOUN
fsr-3174	345	19	(	(	PUNCT
fsr-3174	345	20	26.5	26.5	NUM
fsr-3174	345	21	%	%	NOUN
fsr-3174	345	22	)	)	PUNCT
fsr-3174	345	23	,	,	PUNCT
fsr-3174	345	24	only	only	ADV
fsr-3174	345	25	7.4	7.4	NUM
fsr-3174	345	26	%	%	NOUN
fsr-3174	345	27	use	use	NOUN
fsr-3174	345	28	bonds	bond	NOUN
fsr-3174	345	29	(	(	PUNCT
fsr-3174	345	30	n	n	NOUN
fsr-3174	345	31	=	=	SYM
fsr-3174	345	32	334	334	NUM
fsr-3174	345	33	)	)	PUNCT
fsr-3174	345	34	,	,	PUNCT
fsr-3174	345	35	and	and	CCONJ
fsr-3174	345	36	22.6	22.6	NUM
fsr-3174	345	37	%	%	NOUN
fsr-3174	345	38	(	(	PUNCT
fsr-3174	345	39	n	n	NOUN
fsr-3174	345	40	=	=	SYM
fsr-3174	345	41	1,026	1,026	NUM
fsr-3174	345	42	)	)	PUNCT
fsr-3174	345	43	invest	invest	VERB
fsr-3174	345	44	in	in	ADP
fsr-3174	345	45	stocks	stock	NOUN
fsr-3174	345	46	.	.	PUNCT
fsr-3174	346	1	if	if	SCONJ
fsr-3174	346	2	we	we	PRON
fsr-3174	346	3	now	now	ADV
fsr-3174	346	4	differentiate	differentiate	VERB
fsr-3174	346	5	the	the	DET
fsr-3174	346	6	cmp	cmp	NOUN
fsr-3174	346	7	according	accord	VERB
fsr-3174	346	8	to	to	ADP
fsr-3174	346	9	the	the	DET
fsr-3174	346	10	three	three	NUM
fsr-3174	346	11	types	type	NOUN
fsr-3174	346	12	of	of	ADP
fsr-3174	346	13	income	income	NOUN
fsr-3174	346	14	mentioned	mention	VERB
fsr-3174	346	15	,	,	PUNCT
fsr-3174	346	16	we	we	PRON
fsr-3174	346	17	find	find	VERB
fsr-3174	346	18	that	that	SCONJ
fsr-3174	346	19	the	the	DET
fsr-3174	346	20	cmp	cmp	NOUN
fsr-3174	346	21	for	for	ADP
fsr-3174	346	22	households	household	NOUN
fsr-3174	346	23	with	with	ADP
fsr-3174	346	24	employee	employee	NOUN
fsr-3174	346	25	income	income	NOUN
fsr-3174	346	26	(	(	PUNCT
fsr-3174	346	27	n	n	NOUN
fsr-3174	346	28	=	=	SYM
fsr-3174	346	29	2,916	2,916	NUM
fsr-3174	346	30	)	)	PUNCT
fsr-3174	346	31	is	be	AUX
fsr-3174	346	32	rather	rather	ADV
fsr-3174	346	33	lower	low	ADJ
fsr-3174	346	34	than	than	ADP
fsr-3174	346	35	in	in	ADP
fsr-3174	346	36	the	the	DET
fsr-3174	346	37	entire	entire	ADJ
fsr-3174	346	38	sample	sample	NOUN
fsr-3174	346	39	(	(	PUNCT
fsr-3174	346	40	funds	fund	NOUN
fsr-3174	346	41	:	:	PUNCT
fsr-3174	346	42	26.5	26.5	NUM
fsr-3174	346	43	,	,	PUNCT
fsr-3174	346	44	bonds	bond	NOUN
fsr-3174	346	45	:	:	PUNCT
fsr-3174	346	46	6.5	6.5	NUM
fsr-3174	346	47	,	,	PUNCT
fsr-3174	346	48	stocks	stock	NOUN
fsr-3174	346	49	:	:	PUNCT
fsr-3174	346	50	21.7	21.7	NUM
fsr-3174	346	51	%	%	NOUN
fsr-3174	346	52	)	)	PUNCT
fsr-3174	346	53	.	.	PUNCT
fsr-3174	347	1	in	in	ADP
fsr-3174	347	2	contrast	contrast	NOUN
fsr-3174	347	3	,	,	PUNCT
fsr-3174	347	4	households	household	NOUN
fsr-3174	347	5	with	with	ADP
fsr-3174	347	6	pension	pension	NOUN
fsr-3174	347	7	income	income	NOUN
fsr-3174	347	8	(	(	PUNCT
fsr-3174	347	9	n	n	NOUN
fsr-3174	347	10	=	=	SYM
fsr-3174	347	11	2,018	2,018	NUM
fsr-3174	347	12	)	)	PUNCT
fsr-3174	347	13	show	show	VERB
fsr-3174	347	14	a	a	DET
fsr-3174	347	15	higher	high	ADJ
fsr-3174	347	16	participation	participation	NOUN
fsr-3174	347	17	rate	rate	NOUN
fsr-3174	347	18	in	in	ADP
fsr-3174	347	19	stocks	stock	NOUN
fsr-3174	347	20	and	and	CCONJ
fsr-3174	347	21	bonds	bond	NOUN
fsr-3174	347	22	(	(	PUNCT
fsr-3174	347	23	funds	fund	NOUN
fsr-3174	347	24	:	:	PUNCT
fsr-3174	347	25	26.3	26.3	NUM
fsr-3174	347	26	,	,	PUNCT
fsr-3174	347	27	bonds	bond	NOUN
fsr-3174	347	28	:	:	PUNCT
fsr-3174	347	29	9.1	9.1	NUM
fsr-3174	347	30	,	,	PUNCT
fsr-3174	347	31	stocks	stock	NOUN
fsr-3174	347	32	:	:	PUNCT
fsr-3174	347	33	24.3	24.3	NUM
fsr-3174	347	34	%	%	NOUN
fsr-3174	347	35	;	;	PUNCT
fsr-3174	347	36	intervening	intervene	VERB
fsr-3174	347	37	effect	effect	NOUN
fsr-3174	347	38	from	from	ADP
fsr-3174	347	39	higher	high	ADJ
fsr-3174	347	40	wealth	wealth	NOUN
fsr-3174	347	41	with	with	ADP
fsr-3174	347	42	higher	high	ADJ
fsr-3174	347	43	age	age	NOUN
fsr-3174	347	44	)	)	PUNCT
fsr-3174	347	45	,	,	PUNCT
fsr-3174	347	46	which	which	PRON
fsr-3174	347	47	explains	explain	VERB
fsr-3174	347	48	the	the	DET
fsr-3174	347	49	relative	relative	ADJ
fsr-3174	347	50	neutrality	neutrality	NOUN
fsr-3174	347	51	of	of	ADP
fsr-3174	347	52	the	the	DET
fsr-3174	347	53	variable	variable	ADJ
fsr-3174	347	54	net	net	ADJ
fsr-3174	347	55	income	income	NOUN
fsr-3174	347	56	.	.	PUNCT
fsr-3174	348	1	households	household	NOUN
fsr-3174	348	2	with	with	ADP
fsr-3174	348	3	income	income	NOUN
fsr-3174	348	4	from	from	ADP
fsr-3174	348	5	self	self	NOUN
fsr-3174	348	6	-	-	PUNCT
fsr-3174	348	7	employment	employment	NOUN
fsr-3174	348	8	(	(	PUNCT
fsr-3174	348	9	n	n	NOUN
fsr-3174	348	10	=	=	SYM
fsr-3174	348	11	913	913	NUM
fsr-3174	348	12	)	)	PUNCT
fsr-3174	348	13	show	show	VERB
fsr-3174	348	14	an	an	DET
fsr-3174	348	15	even	even	ADV
fsr-3174	348	16	stronger	strong	ADJ
fsr-3174	348	17	cmp	cmp	NOUN
fsr-3174	348	18	(	(	PUNCT
fsr-3174	348	19	funds	fund	NOUN
fsr-3174	348	20	:	:	PUNCT
fsr-3174	348	21	30.7	30.7	NUM
fsr-3174	348	22	,	,	PUNCT
fsr-3174	348	23	bonds	bond	NOUN
fsr-3174	348	24	:	:	PUNCT
fsr-3174	348	25	9.9	9.9	NUM
fsr-3174	348	26	,	,	PUNCT
fsr-3174	348	27	stocks	stock	NOUN
fsr-3174	348	28	:	:	PUNCT
fsr-3174	348	29	27.3	27.3	NUM
fsr-3174	348	30	%	%	NOUN
fsr-3174	348	31	)	)	PUNCT
fsr-3174	348	32	.	.	PUNCT
fsr-3174	349	1	these	these	DET
fsr-3174	349	2	results	result	NOUN
fsr-3174	349	3	confirm	confirm	VERB
fsr-3174	349	4	the	the	DET
fsr-3174	349	5	assessment	assessment	NOUN
fsr-3174	349	6	of	of	ADP
fsr-3174	349	7	georgarakos	georgarakos	NOUN
fsr-3174	349	8	and	and	CCONJ
fsr-3174	349	9	inderst	inderst	ADJ
fsr-3174	349	10	(	(	PUNCT
fsr-3174	349	11	2011	2011	NUM
fsr-3174	349	12	)	)	PUNCT
fsr-3174	349	13	which	which	PRON
fsr-3174	349	14	state	state	VERB
fsr-3174	349	15	that	that	SCONJ
fsr-3174	349	16	self	self	NOUN
fsr-3174	349	17	-	-	PUNCT
fsr-3174	349	18	employed	employ	VERB
fsr-3174	349	19	people	people	NOUN
fsr-3174	349	20	are	be	AUX
fsr-3174	349	21	more	more	ADV
fsr-3174	349	22	likely	likely	ADJ
fsr-3174	349	23	to	to	PART
fsr-3174	349	24	invest	invest	VERB
fsr-3174	349	25	in	in	ADP
fsr-3174	349	26	stocks	stock	NOUN
fsr-3174	349	27	.	.	PUNCT
fsr-3174	350	1	moreover	moreover	ADV
fsr-3174	350	2	,	,	PUNCT
fsr-3174	350	3	the	the	DET
fsr-3174	350	4	income	income	NOUN
fsr-3174	350	5	variable	variable	NOUN
fsr-3174	350	6	is	be	AUX
fsr-3174	350	7	likely	likely	ADJ
fsr-3174	350	8	to	to	PART
fsr-3174	350	9	be	be	AUX
fsr-3174	350	10	biased	bias	VERB
fsr-3174	350	11	in	in	ADP
fsr-3174	350	12	the	the	DET
fsr-3174	350	13	case	case	NOUN
fsr-3174	350	14	of	of	ADP
fsr-3174	350	15	positive	positive	ADJ
fsr-3174	350	16	or	or	CCONJ
fsr-3174	350	17	negative	negative	ADJ
fsr-3174	350	18	wealth	wealth	NOUN
fsr-3174	350	19	shocks	shock	NOUN
fsr-3174	350	20	(	(	PUNCT
fsr-3174	350	21	oehler	oehler	NOUN
fsr-3174	350	22	et	et	PROPN
fsr-3174	350	23	al	al	PROPN
fsr-3174	350	24	.	.	PROPN
fsr-3174	350	25	,	,	PUNCT
fsr-3174	350	26	2022a	2022a	NUM
fsr-3174	350	27	)	)	PUNCT
fsr-3174	350	28	.	.	PUNCT
fsr-3174	351	1	for	for	ADP
fsr-3174	351	2	example	example	NOUN
fsr-3174	351	3	,	,	PUNCT
fsr-3174	351	4	households	household	NOUN
fsr-3174	351	5	that	that	PRON
fsr-3174	351	6	have	have	AUX
fsr-3174	351	7	inherited	inherit	VERB
fsr-3174	351	8	a	a	DET
fsr-3174	351	9	substantial	substantial	ADJ
fsr-3174	351	10	amount	amount	NOUN
fsr-3174	351	11	of	of	ADP
fsr-3174	351	12	money	money	NOUN
fsr-3174	351	13	or	or	CCONJ
fsr-3174	351	14	assets	asset	NOUN
fsr-3174	351	15	but	but	CCONJ
fsr-3174	351	16	tend	tend	VERB
fsr-3174	351	17	to	to	PART
fsr-3174	351	18	have	have	VERB
fsr-3174	351	19	lower	low	ADJ
fsr-3174	351	20	incomes	income	NOUN
fsr-3174	351	21	are	be	AUX
fsr-3174	351	22	more	more	ADV
fsr-3174	351	23	likely	likely	ADJ
fsr-3174	351	24	to	to	PART
fsr-3174	351	25	behave	behave	VERB
fsr-3174	351	26	like	like	ADP
fsr-3174	351	27	high	high	ADJ
fsr-3174	351	28	-	-	PUNCT
fsr-3174	351	29	asset	asset	NOUN
fsr-3174	351	30	households	household	NOUN
fsr-3174	351	31	than	than	ADP
fsr-3174	351	32	low	low	ADJ
fsr-3174	351	33	-	-	PUNCT
fsr-3174	351	34	income	income	NOUN
fsr-3174	351	35	households	household	NOUN
fsr-3174	351	36	.	.	PUNCT
fsr-3174	352	1	on	on	ADP
fsr-3174	352	2	the	the	DET
fsr-3174	352	3	other	other	ADJ
fsr-3174	352	4	hand	hand	NOUN
fsr-3174	352	5	,	,	PUNCT
fsr-3174	352	6	households	household	NOUN
fsr-3174	352	7	with	with	ADP
fsr-3174	352	8	high	high	ADJ
fsr-3174	352	9	income	income	NOUN
fsr-3174	352	10	and	and	CCONJ
fsr-3174	352	11	low	low	ADJ
fsr-3174	352	12	wealth	wealth	NOUN
fsr-3174	352	13	(	(	PUNCT
fsr-3174	352	14	e.g.	e.g.	ADV
fsr-3174	352	15	shortly	shortly	ADV
fsr-3174	352	16	after	after	ADP
fsr-3174	352	17	starting	start	VERB
fsr-3174	352	18	a	a	DET
fsr-3174	352	19	job	job	NOUN
fsr-3174	352	20	or	or	CCONJ
fsr-3174	352	21	getting	getting	AUX
fsr-3174	352	22	divorced	divorce	VERB
fsr-3174	352	23	)	)	PUNCT
fsr-3174	352	24	are	be	AUX
fsr-3174	352	25	more	more	ADV
fsr-3174	352	26	likely	likely	ADJ
fsr-3174	352	27	to	to	PART
fsr-3174	352	28	behave	behave	VERB
fsr-3174	352	29	like	like	ADP
fsr-3174	352	30	households	household	NOUN
fsr-3174	352	31	with	with	ADP
fsr-3174	352	32	low	low	ADJ
fsr-3174	352	33	wealth	wealth	NOUN
fsr-3174	352	34	by	by	ADP
fsr-3174	352	35	first	first	ADJ
fsr-3174	352	36	building	build	VERB
fsr-3174	352	37	up	up	ADP
fsr-3174	352	38	precautionary	precautionary	ADJ
fsr-3174	352	39	liquidity	liquidity	NOUN
fsr-3174	352	40	as	as	ADP
fsr-3174	352	41	insurance	insurance	NOUN
fsr-3174	352	42	against	against	ADP
fsr-3174	352	43	income	income	NOUN
fsr-3174	352	44	shocks	shock	NOUN
fsr-3174	352	45	(	(	PUNCT
fsr-3174	352	46	job	job	NOUN
fsr-3174	352	47	loss	loss	NOUN
fsr-3174	352	48	or	or	CCONJ
fsr-3174	352	49	similar	similar	ADJ
fsr-3174	352	50	)	)	PUNCT
fsr-3174	352	51	and	and	CCONJ
fsr-3174	352	52	to	to	PART
fsr-3174	352	53	be	be	AUX
fsr-3174	352	54	able	able	ADJ
fsr-3174	352	55	to	to	PART
fsr-3174	352	56	cover	cover	VERB
fsr-3174	352	57	unexpected	unexpected	ADJ
fsr-3174	352	58	expenses	expense	NOUN
fsr-3174	352	59	(	(	PUNCT
fsr-3174	352	60	efama	efama	NOUN
fsr-3174	352	61	2020	2020	NUM
fsr-3174	352	62	)	)	PUNCT
fsr-3174	352	63	;	;	PUNCT
fsr-3174	352	64	additionally	additionally	ADV
fsr-3174	352	65	,	,	PUNCT
fsr-3174	352	66	measurement	measurement	NOUN
fsr-3174	352	67	errors	error	NOUN
fsr-3174	352	68	are	be	AUX
fsr-3174	352	69	claimed	claim	VERB
fsr-3174	352	70	(	(	PUNCT
fsr-3174	352	71	calvet	calvet	NOUN
fsr-3174	352	72	&	&	CCONJ
fsr-3174	352	73	sodini	sodini	PROPN
fsr-3174	352	74	,	,	PUNCT
fsr-3174	352	75	2014	2014	NUM
fsr-3174	352	76	;	;	PUNCT
fsr-3174	352	77	guiso	guiso	PROPN
fsr-3174	352	78	&	&	CCONJ
fsr-3174	352	79	sodini	sodini	PROPN
fsr-3174	352	80	,	,	PUNCT
fsr-3174	352	81	2012	2012	NUM
fsr-3174	352	82	;	;	PUNCT
fsr-3174	352	83	fagereng	fagereng	PROPN
fsr-3174	352	84	et	et	PROPN
fsr-3174	352	85	al	al	PROPN
fsr-3174	352	86	.	.	PROPN
fsr-3174	352	87	,	,	PUNCT
fsr-3174	352	88	2017	2017	NUM
fsr-3174	352	89	)	)	PUNCT
fsr-3174	352	90	.	.	PUNCT
fsr-3174	353	1	nevertheless	nevertheless	ADV
fsr-3174	353	2	,	,	PUNCT
fsr-3174	353	3	financial	financial	ADJ
fsr-3174	353	4	planners	planner	NOUN
fsr-3174	353	5	,	,	PUNCT
fsr-3174	353	6	financial	financial	ADJ
fsr-3174	353	7	counselors	counselor	NOUN
fsr-3174	353	8	,	,	PUNCT
fsr-3174	353	9	and	and	CCONJ
fsr-3174	353	10	policy	policy	NOUN
fsr-3174	353	11	makers	maker	NOUN
fsr-3174	353	12	should	should	AUX
fsr-3174	353	13	try	try	VERB
fsr-3174	353	14	to	to	PART
fsr-3174	353	15	convince	convince	VERB
fsr-3174	353	16	more	more	ADJ
fsr-3174	353	17	households	household	NOUN
fsr-3174	353	18	with	with	ADP
fsr-3174	353	19	employee	employee	NOUN
fsr-3174	353	20	income	income	NOUN
fsr-3174	353	21	to	to	PART
fsr-3174	353	22	participate	participate	VERB
fsr-3174	353	23	in	in	ADP
fsr-3174	353	24	capital	capital	NOUN
fsr-3174	353	25	markets	market	NOUN
fsr-3174	353	26	,	,	PUNCT
fsr-3174	353	27	maybe	maybe	ADV
fsr-3174	353	28	with	with	ADP
fsr-3174	353	29	opt	opt	VERB
fsr-3174	353	30	-	-	PUNCT
fsr-3174	353	31	out	out	ADP
fsr-3174	353	32	programs	program	NOUN
fsr-3174	353	33	for	for	ADP
fsr-3174	353	34	capital	capital	NOUN
fsr-3174	353	35	market	market	NOUN
fsr-3174	353	36	linked	link	VERB
fsr-3174	353	37	pension	pension	NOUN
fsr-3174	353	38	plans	plan	NOUN
fsr-3174	353	39	.	.	PUNCT
fsr-3174	354	1	another	another	DET
fsr-3174	354	2	strand	strand	NOUN
fsr-3174	354	3	in	in	ADP
fsr-3174	354	4	the	the	DET
fsr-3174	354	5	literature	literature	NOUN
fsr-3174	354	6	on	on	ADP
fsr-3174	354	7	household	household	NOUN
fsr-3174	354	8	finance	finance	NOUN
fsr-3174	354	9	analyzes	analyze	VERB
fsr-3174	354	10	the	the	DET
fsr-3174	354	11	question	question	NOUN
fsr-3174	354	12	whether	whether	SCONJ
fsr-3174	354	13	there	there	PRON
fsr-3174	354	14	is	be	VERB
fsr-3174	354	15	a	a	DET
fsr-3174	354	16	gender	gender	NOUN
fsr-3174	354	17	effect	effect	NOUN
fsr-3174	354	18	on	on	ADP
fsr-3174	354	19	participation	participation	NOUN
fsr-3174	354	20	in	in	ADP
fsr-3174	354	21	the	the	DET
fsr-3174	354	22	capital	capital	NOUN
fsr-3174	354	23	market	market	NOUN
fsr-3174	354	24	(	(	PUNCT
fsr-3174	354	25	bannier	bannier	NOUN
fsr-3174	354	26	&	&	CCONJ
fsr-3174	354	27	schwarz	schwarz	PROPN
fsr-3174	354	28	,	,	PUNCT
fsr-3174	354	29	2018	2018	NUM
fsr-3174	354	30	;	;	PUNCT
fsr-3174	354	31	fey	fey	PROPN
fsr-3174	354	32	et	et	PROPN
fsr-3174	354	33	al	al	PROPN
fsr-3174	354	34	.	.	PROPN
fsr-3174	354	35	,	,	PUNCT
fsr-3174	354	36	2020	2020	NUM
fsr-3174	354	37	;	;	PUNCT
fsr-3174	354	38	guiso	guiso	PROPN
fsr-3174	354	39	&	&	CCONJ
fsr-3174	354	40	zaccaria	zaccaria	PROPN
fsr-3174	354	41	,	,	PUNCT
fsr-3174	354	42	2023	2023	NUM
fsr-3174	354	43	;	;	PUNCT
fsr-3174	354	44	hanna	hanna	PROPN
fsr-3174	354	45	et	et	PROPN
fsr-3174	354	46	al	al	PROPN
fsr-3174	354	47	.	.	PROPN
fsr-3174	354	48	,	,	PUNCT
fsr-3174	354	49	2021	2021	NUM
fsr-3174	354	50	)	)	PUNCT
fsr-3174	354	51	.	.	PUNCT
fsr-3174	355	1	most	most	ADJ
fsr-3174	355	2	of	of	ADP
fsr-3174	355	3	the	the	DET
fsr-3174	355	4	studies	study	NOUN
fsr-3174	355	5	conclude	conclude	VERB
fsr-3174	355	6	that	that	SCONJ
fsr-3174	355	7	the	the	DET
fsr-3174	355	8	socalled	socalled	ADJ
fsr-3174	355	9	gender	gender	NOUN
fsr-3174	355	10	gap	gap	NOUN
fsr-3174	355	11	disappears	disappear	VERB
fsr-3174	355	12	once	once	ADV
fsr-3174	355	13	risk	risk	NOUN
fsr-3174	355	14	aversion	aversion	NOUN
fsr-3174	355	15	is	be	AUX
fsr-3174	355	16	considered	consider	VERB
fsr-3174	355	17	(	(	PUNCT
fsr-3174	355	18	halko	halko	ADV
fsr-3174	355	19	et	et	PROPN
fsr-3174	355	20	al	al	PROPN
fsr-3174	355	21	.	.	PROPN
fsr-3174	355	22	,	,	PUNCT
fsr-3174	355	23	2012	2012	NUM
fsr-3174	355	24	)	)	PUNCT
fsr-3174	355	25	.	.	PUNCT
fsr-3174	356	1	consistent	consistent	ADJ
fsr-3174	356	2	with	with	ADP
fsr-3174	356	3	the	the	DET
fsr-3174	356	4	literature	literature	NOUN
fsr-3174	356	5	,	,	PUNCT
fsr-3174	356	6	our	our	PRON
fsr-3174	356	7	results	result	NOUN
fsr-3174	356	8	provide	provide	VERB
fsr-3174	356	9	evidence	evidence	NOUN
fsr-3174	356	10	that	that	SCONJ
fsr-3174	356	11	men	man	NOUN
fsr-3174	356	12	invest	invest	VERB
fsr-3174	356	13	more	more	ADV
fsr-3174	356	14	in	in	ADP
fsr-3174	356	15	capital	capital	NOUN
fsr-3174	356	16	markets	market	NOUN
fsr-3174	356	17	than	than	ADP
fsr-3174	356	18	women	woman	NOUN
fsr-3174	356	19	,	,	PUNCT
fsr-3174	356	20	but	but	CCONJ
fsr-3174	356	21	the	the	DET
fsr-3174	356	22	total	total	ADJ
fsr-3174	356	23	effect	effect	NOUN
fsr-3174	356	24	is	be	AUX
fsr-3174	356	25	not	not	PART
fsr-3174	356	26	strong	strong	ADJ
fsr-3174	356	27	(	(	PUNCT
fsr-3174	356	28	.09	.09	NUM
fsr-3174	356	29	)	)	PUNCT
fsr-3174	356	30	.	.	PUNCT
fsr-3174	357	1	in	in	ADP
fsr-3174	357	2	the	the	DET
fsr-3174	357	3	context	context	NOUN
fsr-3174	357	4	of	of	ADP
fsr-3174	357	5	halko	halko	ADV
fsr-3174	357	6	et	et	PROPN
fsr-3174	357	7	al	al	PROPN
fsr-3174	357	8	.	.	PROPN
fsr-3174	357	9	’s	’s	PART
fsr-3174	357	10	(	(	PUNCT
fsr-3174	357	11	2012	2012	NUM
fsr-3174	357	12	)	)	PUNCT
fsr-3174	357	13	findings	finding	NOUN
fsr-3174	357	14	,	,	PUNCT
fsr-3174	357	15	we	we	PRON
fsr-3174	357	16	take	take	VERB
fsr-3174	357	17	a	a	DET
fsr-3174	357	18	deeper	deep	ADJ
fsr-3174	357	19	look	look	NOUN
fsr-3174	357	20	at	at	ADP
fsr-3174	357	21	the	the	DET
fsr-3174	357	22	phf	phf	NOUN
fsr-3174	357	23	data	datum	NOUN
fsr-3174	357	24	and	and	CCONJ
fsr-3174	357	25	our	our	PRON
fsr-3174	357	26	results	result	NOUN
fsr-3174	357	27	show	show	VERB
fsr-3174	357	28	that	that	SCONJ
fsr-3174	357	29	women	woman	NOUN
fsr-3174	357	30	have	have	VERB
fsr-3174	357	31	a	a	DET
fsr-3174	357	32	higher	high	ADJ
fsr-3174	357	33	risk	risk	NOUN
fsr-3174	357	34	aversion	aversion	NOUN
fsr-3174	357	35	than	than	ADP
fsr-3174	357	36	men	man	NOUN
fsr-3174	357	37	(	(	PUNCT
fsr-3174	357	38	.21	.21	NUM
fsr-3174	357	39	,	,	PUNCT
fsr-3174	357	40	significant	significant	ADJ
fsr-3174	357	41	at	at	ADP
fsr-3174	357	42	the	the	DET
fsr-3174	357	43	one	one	NUM
fsr-3174	357	44	per	per	ADP
fsr-3174	357	45	mill	mill	NOUN
fsr-3174	357	46	level	level	NOUN
fsr-3174	357	47	)	)	PUNCT
fsr-3174	357	48	.	.	PUNCT
fsr-3174	358	1	the	the	DET
fsr-3174	358	2	variable	variable	NOUN
fsr-3174	358	3	for	for	ADP
fsr-3174	358	4	risk	risk	NOUN
fsr-3174	358	5	in	in	ADP
fsr-3174	358	6	the	the	DET
fsr-3174	358	7	financial	financial	ADJ
fsr-3174	358	8	domain	domain	NOUN
fsr-3174	358	9	,	,	PUNCT
fsr-3174	358	10	riskfin	riskfin	NOUN
fsr-3174	358	11	(	(	PUNCT
fsr-3174	358	12	median	median	NOUN
fsr-3174	358	13	:	:	PUNCT
fsr-3174	358	14	4	4	NUM
fsr-3174	358	15	,	,	PUNCT
fsr-3174	358	16	scale	scale	NOUN
fsr-3174	358	17	from	from	ADP
fsr-3174	358	18	1	1	NUM
fsr-3174	358	19	to	to	ADP
fsr-3174	358	20	4	4	NUM
fsr-3174	358	21	)	)	PUNCT
fsr-3174	358	22	,	,	PUNCT
fsr-3174	358	23	is	be	AUX
fsr-3174	358	24	equally	equally	ADV
fsr-3174	358	25	distributed	distribute	VERB
fsr-3174	358	26	for	for	ADP
fsr-3174	358	27	men	man	NOUN
fsr-3174	358	28	(	(	PUNCT
fsr-3174	358	29	n	n	NOUN
fsr-3174	358	30	=	=	SYM
fsr-3174	358	31	2,650	2,650	NUM
fsr-3174	358	32	)	)	PUNCT
fsr-3174	358	33	and	and	CCONJ
fsr-3174	358	34	women	woman	NOUN
fsr-3174	358	35	(	(	PUNCT
fsr-3174	358	36	n	n	NOUN
fsr-3174	358	37	=	=	NUM
fsr-3174	358	38	1,888	1,888	NUM
fsr-3174	358	39	)	)	PUNCT
fsr-3174	358	40	.	.	PUNCT
fsr-3174	359	1	however	however	ADV
fsr-3174	359	2	,	,	PUNCT
fsr-3174	359	3	regarding	regard	VERB
fsr-3174	359	4	the	the	DET
fsr-3174	359	5	variable	variable	NOUN
fsr-3174	359	6	covering	cover	VERB
fsr-3174	359	7	risk	risk	NOUN
fsr-3174	359	8	in	in	ADP
fsr-3174	359	9	a	a	DET
fsr-3174	359	10	general	general	ADJ
fsr-3174	359	11	context	context	NOUN
fsr-3174	359	12	,	,	PUNCT
fsr-3174	359	13	riskgen	riskgen	NOUN
fsr-3174	359	14	(	(	PUNCT
fsr-3174	359	15	median	median	NOUN
fsr-3174	359	16	:	:	PUNCT
fsr-3174	359	17	6	6	NUM
fsr-3174	359	18	,	,	PUNCT
fsr-3174	359	19	scale	scale	NOUN
fsr-3174	359	20	from	from	ADP
fsr-3174	359	21	0	0	NUM
fsr-3174	359	22	to	to	PART
fsr-3174	359	23	10	10	NUM
fsr-3174	359	24	)	)	PUNCT
fsr-3174	359	25	we	we	PRON
fsr-3174	359	26	find	find	VERB
fsr-3174	359	27	a	a	DET
fsr-3174	359	28	difference	difference	NOUN
fsr-3174	359	29	.	.	PUNCT
fsr-3174	360	1	while	while	SCONJ
fsr-3174	360	2	the	the	DET
fsr-3174	360	3	sample	sample	NOUN
fsr-3174	360	4	of	of	ADP
fsr-3174	360	5	men	man	NOUN
fsr-3174	360	6	shows	show	VERB
fsr-3174	360	7	a	a	DET
fsr-3174	360	8	median	median	NOUN
fsr-3174	360	9	of	of	ADP
fsr-3174	360	10	5	5	NUM
fsr-3174	360	11	,	,	PUNCT
fsr-3174	360	12	women	woman	NOUN
fsr-3174	360	13	show	show	VERB
fsr-3174	360	14	a	a	DET
fsr-3174	360	15	median	median	ADJ
fsr-3174	360	16	value	value	NOUN
fsr-3174	360	17	of	of	ADP
fsr-3174	360	18	6	6	NUM
fsr-3174	360	19	.	.	PUNCT
fsr-3174	361	1	at	at	ADP
fsr-3174	361	2	the	the	DET
fsr-3174	361	3	same	same	ADJ
fsr-3174	361	4	time	time	NOUN
fsr-3174	361	5	,	,	PUNCT
fsr-3174	361	6	men	man	NOUN
fsr-3174	361	7	show	show	VERB
fsr-3174	361	8	a	a	DET
fsr-3174	361	9	higher	high	ADJ
fsr-3174	361	10	financial	financial	ADJ
fsr-3174	361	11	literacy	literacy	NOUN
fsr-3174	361	12	(	(	PUNCT
fsr-3174	361	13	fin_lit_score	fin_lit_score	NOUN
fsr-3174	361	14	:	:	PUNCT
fsr-3174	361	15	4	4	NUM
fsr-3174	361	16	vs.	vs.	ADP
fsr-3174	361	17	3	3	NUM
fsr-3174	361	18	correct	correct	ADJ
fsr-3174	361	19	answers	answer	NOUN
fsr-3174	361	20	;	;	PUNCT
fsr-3174	361	21	fin_lit_training	fin_lit_traine	VERB
fsr-3174	361	22	:	:	PUNCT
fsr-3174	361	23	31	31	NUM
fsr-3174	361	24	vs.	vs.	ADP
fsr-3174	361	25	23	23	NUM
fsr-3174	361	26	%	%	NOUN
fsr-3174	361	27	passed	pass	VERB
fsr-3174	361	28	a	a	DET
fsr-3174	361	29	course	course	NOUN
fsr-3174	361	30	)	)	PUNCT
fsr-3174	361	31	.	.	PUNCT
fsr-3174	362	1	further	further	ADJ
fsr-3174	362	2	differences	difference	NOUN
fsr-3174	362	3	concern	concern	NOUN
fsr-3174	362	4	the	the	DET
fsr-3174	362	5	level	level	NOUN
fsr-3174	362	6	of	of	ADP
fsr-3174	362	7	education	education	NOUN
fsr-3174	362	8	in	in	ADP
fsr-3174	362	9	school	school	NOUN
fsr-3174	362	10	(	(	PUNCT
fsr-3174	362	11	median	median	NOUN
fsr-3174	362	12	5	5	NUM
fsr-3174	362	13	vs.	vs.	ADP
fsr-3174	362	14	4	4	NUM
fsr-3174	362	15	)	)	PUNCT
fsr-3174	362	16	and	and	CCONJ
fsr-3174	362	17	the	the	DET
fsr-3174	362	18	professional	professional	ADJ
fsr-3174	362	19	education	education	NOUN
fsr-3174	362	20	completed	complete	VERB
fsr-3174	362	21	(	(	PUNCT
fsr-3174	362	22	median	median	NOUN
fsr-3174	362	23	4	4	NUM
fsr-3174	362	24	vs.	vs.	ADP
fsr-3174	362	25	2	2	NUM
fsr-3174	362	26	)	)	PUNCT
fsr-3174	362	27	.	.	PUNCT
fsr-3174	363	1	these	these	DET
fsr-3174	363	2	differences	difference	NOUN
fsr-3174	363	3	add	add	VERB
fsr-3174	363	4	up	up	ADP
fsr-3174	363	5	to	to	ADP
fsr-3174	363	6	higher	high	ADJ
fsr-3174	363	7	risk	risk	NOUN
fsr-3174	363	8	aversion	aversion	NOUN
fsr-3174	363	9	among	among	ADP
fsr-3174	363	10	women	woman	NOUN
fsr-3174	363	11	as	as	SCONJ
fsr-3174	363	12	risk	risk	NOUN
fsr-3174	363	13	aversion	aversion	NOUN
fsr-3174	363	14	decreases	decrease	VERB
fsr-3174	363	15	with	with	ADP
fsr-3174	363	16	the	the	DET
fsr-3174	363	17	level	level	NOUN
fsr-3174	363	18	of	of	ADP
fsr-3174	363	19	school	school	NOUN
fsr-3174	363	20	education	education	NOUN
fsr-3174	363	21	and	and	CCONJ
fsr-3174	363	22	the	the	DET
fsr-3174	363	23	level	level	NOUN
fsr-3174	363	24	of	of	ADP
fsr-3174	363	25	professional	professional	ADJ
fsr-3174	363	26	education	education	NOUN
fsr-3174	363	27	.	.	PUNCT
fsr-3174	364	1	referring	refer	VERB
fsr-3174	364	2	to	to	ADP
fsr-3174	364	3	the	the	DET
fsr-3174	364	4	results	result	NOUN
fsr-3174	364	5	in	in	ADP
fsr-3174	364	6	fey	fey	PROPN
fsr-3174	364	7	et	et	PROPN
fsr-3174	364	8	al	al	PROPN
fsr-3174	364	9	.	.	PROPN
fsr-3174	365	1	(	(	PUNCT
fsr-3174	365	2	2020	2020	NUM
fsr-3174	365	3	)	)	PUNCT
fsr-3174	365	4	and	and	CCONJ
fsr-3174	365	5	hanna	hanna	PROPN
fsr-3174	365	6	et	et	PROPN
fsr-3174	365	7	al	al	PROPN
fsr-3174	365	8	.	.	PROPN
fsr-3174	366	1	(	(	PUNCT
fsr-3174	366	2	2021	2021	NUM
fsr-3174	366	3	)	)	PUNCT
fsr-3174	366	4	,	,	PUNCT
fsr-3174	366	5	we	we	PRON
fsr-3174	366	6	additionally	additionally	ADV
fsr-3174	366	7	consider	consider	VERB
fsr-3174	366	8	the	the	DET
fsr-3174	366	9	marital	marital	ADJ
fsr-3174	366	10	status	status	NOUN
fsr-3174	366	11	when	when	SCONJ
fsr-3174	366	12	analyzing	analyze	VERB
fsr-3174	366	13	a	a	DET
fsr-3174	366	14	possible	possible	ADJ
fsr-3174	366	15	gender	gender	NOUN
fsr-3174	366	16	gap	gap	NOUN
fsr-3174	366	17	.	.	PUNCT
fsr-3174	367	1	we	we	PRON
fsr-3174	367	2	find	find	VERB
fsr-3174	367	3	a	a	DET
fsr-3174	367	4	difference	difference	NOUN
fsr-3174	367	5	in	in	ADP
fsr-3174	367	6	the	the	DET
fsr-3174	367	7	cmp	cmp	NOUN
fsr-3174	367	8	depending	depend	VERB
fsr-3174	367	9	on	on	ADP
fsr-3174	367	10	whether	whether	SCONJ
fsr-3174	367	11	the	the	DET
fsr-3174	367	12	fkp	fkp	NOUN
fsr-3174	367	13	as	as	ADP
fsr-3174	367	14	respondent	respondent	NOUN
fsr-3174	367	15	of	of	ADP
fsr-3174	367	16	the	the	DET
fsr-3174	367	17	household	household	NOUN
fsr-3174	367	18	is	be	AUX
fsr-3174	367	19	married	marry	VERB
fsr-3174	367	20	,	,	PUNCT
fsr-3174	367	21	divorced	divorced	ADJ
fsr-3174	367	22	,	,	PUNCT
fsr-3174	367	23	or	or	CCONJ
fsr-3174	367	24	widowed	widow	VERB
fsr-3174	367	25	.	.	PUNCT
fsr-3174	368	1	financial	financial	ADJ
fsr-3174	368	2	services	service	NOUN
fsr-3174	368	3	review	review	NOUN
fsr-3174	368	4	,	,	PUNCT
fsr-3174	368	5	31(4	31(4	NUM
fsr-3174	368	6	)	)	PUNCT
fsr-3174	368	7	300	300	NUM
fsr-3174	368	8	divorced	divorced	ADJ
fsr-3174	368	9	and	and	CCONJ
fsr-3174	368	10	,	,	PUNCT
fsr-3174	368	11	to	to	ADP
fsr-3174	368	12	a	a	DET
fsr-3174	368	13	smaller	small	ADJ
fsr-3174	368	14	extant	extant	ADJ
fsr-3174	368	15	,	,	PUNCT
fsr-3174	368	16	widowed	widow	VERB
fsr-3174	368	17	persons	person	NOUN
fsr-3174	368	18	invest	invest	VERB
fsr-3174	368	19	below	below	ADP
fsr-3174	368	20	average	average	NOUN
fsr-3174	368	21	in	in	ADP
fsr-3174	368	22	funds	fund	NOUN
fsr-3174	368	23	,	,	PUNCT
fsr-3174	368	24	bonds	bond	NOUN
fsr-3174	368	25	,	,	PUNCT
fsr-3174	368	26	and	and	CCONJ
fsr-3174	368	27	stocks	stock	NOUN
fsr-3174	368	28	.	.	PUNCT
fsr-3174	369	1	in	in	ADP
fsr-3174	369	2	contrast	contrast	NOUN
fsr-3174	369	3	,	,	PUNCT
fsr-3174	369	4	households	household	NOUN
fsr-3174	369	5	with	with	ADP
fsr-3174	369	6	married	married	ADJ
fsr-3174	369	7	fkp	fkp	NOUN
fsr-3174	369	8	have	have	VERB
fsr-3174	369	9	above	above	ADJ
fsr-3174	369	10	-	-	PUNCT
fsr-3174	369	11	average	average	NOUN
fsr-3174	369	12	cmp	cmp	NOUN
fsr-3174	369	13	.	.	PUNCT
fsr-3174	370	1	a	a	DET
fsr-3174	370	2	more	more	ADV
fsr-3174	370	3	detailed	detailed	ADJ
fsr-3174	370	4	analysis	analysis	NOUN
fsr-3174	370	5	also	also	ADV
fsr-3174	370	6	shows	show	VERB
fsr-3174	370	7	that	that	PRON
fsr-3174	370	8	widowed	widow	VERB
fsr-3174	370	9	and	and	CCONJ
fsr-3174	370	10	divorced	divorced	ADJ
fsr-3174	370	11	fkps	fkps	PROPN
fsr-3174	370	12	are	be	AUX
fsr-3174	370	13	mostly	mostly	ADV
fsr-3174	370	14	women	woman	NOUN
fsr-3174	370	15	(	(	PUNCT
fsr-3174	370	16	fey	fey	PROPN
fsr-3174	370	17	et	et	PROPN
fsr-3174	370	18	al	al	PROPN
fsr-3174	370	19	.	.	PROPN
fsr-3174	370	20	,	,	PUNCT
fsr-3174	370	21	2020	2020	NUM
fsr-3174	370	22	;	;	PUNCT
fsr-3174	370	23	georgarakos	georgarakos	PROPN
fsr-3174	370	24	&	&	CCONJ
fsr-3174	370	25	inderst	inderst	PROPN
fsr-3174	370	26	,	,	PUNCT
fsr-3174	370	27	2011	2011	NUM
fsr-3174	370	28	;	;	PUNCT
fsr-3174	370	29	hanna	hanna	PROPN
fsr-3174	370	30	et	et	PROPN
fsr-3174	370	31	al	al	PROPN
fsr-3174	370	32	.	.	PROPN
fsr-3174	370	33	,	,	PUNCT
fsr-3174	370	34	2021	2021	NUM
fsr-3174	370	35	)	)	PUNCT
fsr-3174	370	36	.	.	PUNCT
fsr-3174	371	1	policy	policy	NOUN
fsr-3174	371	2	makers	maker	NOUN
fsr-3174	371	3	should	should	AUX
fsr-3174	371	4	elaborate	elaborate	VERB
fsr-3174	371	5	on	on	ADP
fsr-3174	371	6	measures	measure	NOUN
fsr-3174	371	7	to	to	PART
fsr-3174	371	8	enable	enable	VERB
fsr-3174	371	9	these	these	DET
fsr-3174	371	10	women	woman	NOUN
fsr-3174	371	11	to	to	PART
fsr-3174	371	12	participate	participate	VERB
fsr-3174	371	13	in	in	ADP
fsr-3174	371	14	capital	capital	NOUN
fsr-3174	371	15	markets	market	NOUN
fsr-3174	371	16	.	.	PUNCT
fsr-3174	372	1	many	many	ADJ
fsr-3174	372	2	of	of	ADP
fsr-3174	372	3	these	these	DET
fsr-3174	372	4	households	household	NOUN
fsr-3174	372	5	are	be	AUX
fsr-3174	372	6	in	in	ADP
fsr-3174	372	7	challenging	challenge	VERB
fsr-3174	372	8	economic	economic	ADJ
fsr-3174	372	9	situations	situation	NOUN
fsr-3174	372	10	.	.	PUNCT
fsr-3174	373	1	the	the	DET
fsr-3174	373	2	situation	situation	NOUN
fsr-3174	373	3	only	only	ADV
fsr-3174	373	4	gets	get	VERB
fsr-3174	373	5	worse	bad	ADJ
fsr-3174	373	6	when	when	SCONJ
fsr-3174	373	7	they	they	PRON
fsr-3174	373	8	do	do	AUX
fsr-3174	373	9	not	not	PART
fsr-3174	373	10	receive	receive	VERB
fsr-3174	373	11	a	a	DET
fsr-3174	373	12	share	share	NOUN
fsr-3174	373	13	of	of	ADP
fsr-3174	373	14	the	the	DET
fsr-3174	373	15	equity	equity	NOUN
fsr-3174	373	16	premium	premium	NOUN
fsr-3174	373	17	.	.	PUNCT
fsr-3174	374	1	conclusion	conclusion	NOUN
fsr-3174	374	2	our	our	PRON
fsr-3174	374	3	multi	multi	ADJ
fsr-3174	374	4	-	-	ADJ
fsr-3174	374	5	factor	factor	ADJ
fsr-3174	374	6	structural	structural	ADJ
fsr-3174	374	7	model	model	NOUN
fsr-3174	374	8	explains	explain	VERB
fsr-3174	374	9	about	about	ADP
fsr-3174	374	10	60	60	NUM
fsr-3174	374	11	%	%	NOUN
fsr-3174	374	12	of	of	ADP
fsr-3174	374	13	the	the	DET
fsr-3174	374	14	variation	variation	NOUN
fsr-3174	374	15	of	of	ADP
fsr-3174	374	16	households	household	NOUN
fsr-3174	374	17	’	'	PUNCT
fsr-3174	374	18	capital	capital	NOUN
fsr-3174	374	19	market	market	NOUN
fsr-3174	374	20	participation	participation	NOUN
fsr-3174	374	21	and	and	CCONJ
fsr-3174	374	22	,	,	PUNCT
fsr-3174	374	23	hence	hence	ADV
fsr-3174	374	24	,	,	PUNCT
fsr-3174	374	25	solves	solve	VERB
fsr-3174	374	26	major	major	ADJ
fsr-3174	374	27	aspects	aspect	NOUN
fsr-3174	374	28	of	of	ADP
fsr-3174	374	29	the	the	DET
fsr-3174	374	30	so	so	ADV
fsr-3174	374	31	-	-	PUNCT
fsr-3174	374	32	called	call	VERB
fsr-3174	374	33	participation	participation	NOUN
fsr-3174	374	34	puzzle	puzzle	NOUN
fsr-3174	374	35	.	.	PUNCT
fsr-3174	375	1	although	although	SCONJ
fsr-3174	375	2	households	household	NOUN
fsr-3174	375	3	’	'	PUNCT
fsr-3174	375	4	financial	financial	ADJ
fsr-3174	375	5	literacy	literacy	NOUN
fsr-3174	375	6	and	and	CCONJ
fsr-3174	375	7	risk	risk	NOUN
fsr-3174	375	8	aversion	aversion	NOUN
fsr-3174	375	9	are	be	AUX
fsr-3174	375	10	the	the	DET
fsr-3174	375	11	dominant	dominant	ADJ
fsr-3174	375	12	drivers	driver	NOUN
fsr-3174	375	13	of	of	ADP
fsr-3174	375	14	investments	investment	NOUN
fsr-3174	375	15	in	in	ADP
fsr-3174	375	16	stocks	stock	NOUN
fsr-3174	375	17	,	,	PUNCT
fsr-3174	375	18	bonds	bond	NOUN
fsr-3174	375	19	,	,	PUNCT
fsr-3174	375	20	or	or	CCONJ
fsr-3174	375	21	mutual	mutual	ADJ
fsr-3174	375	22	funds	fund	NOUN
fsr-3174	375	23	,	,	PUNCT
fsr-3174	375	24	further	further	ADJ
fsr-3174	375	25	factors	factor	NOUN
fsr-3174	375	26	such	such	ADJ
fsr-3174	375	27	as	as	ADP
fsr-3174	375	28	net	net	ADJ
fsr-3174	375	29	wealth	wealth	NOUN
fsr-3174	375	30	,	,	PUNCT
fsr-3174	375	31	voluntary	voluntary	ADJ
fsr-3174	375	32	pension	pension	NOUN
fsr-3174	375	33	plans	plan	NOUN
fsr-3174	375	34	and	and	CCONJ
fsr-3174	375	35	whole	whole	ADJ
fsr-3174	375	36	life	life	NOUN
fsr-3174	375	37	insurance	insurance	NOUN
fsr-3174	375	38	contracts	contract	NOUN
fsr-3174	375	39	,	,	PUNCT
fsr-3174	375	40	financial	financial	ADJ
fsr-3174	375	41	advice	advice	NOUN
fsr-3174	375	42	,	,	PUNCT
fsr-3174	375	43	and	and	CCONJ
fsr-3174	375	44	investment	investment	NOUN
fsr-3174	375	45	experience	experience	NOUN
fsr-3174	375	46	play	play	VERB
fsr-3174	375	47	a	a	DET
fsr-3174	375	48	remarkable	remarkable	ADJ
fsr-3174	375	49	role	role	NOUN
fsr-3174	375	50	.	.	PUNCT
fsr-3174	376	1	financial	financial	ADJ
fsr-3174	376	2	literacy	literacy	NOUN
fsr-3174	376	3	reduces	reduce	VERB
fsr-3174	376	4	risk	risk	NOUN
fsr-3174	376	5	aversion	aversion	NOUN
fsr-3174	376	6	(	(	PUNCT
fsr-3174	376	7	i.e.	i.e.	X
fsr-3174	376	8	,	,	PUNCT
fsr-3174	376	9	the	the	PRON
fsr-3174	376	10	higher	high	ADJ
fsr-3174	376	11	the	the	DET
fsr-3174	376	12	financial	financial	ADJ
fsr-3174	376	13	literacy	literacy	NOUN
fsr-3174	376	14	,	,	PUNCT
fsr-3174	376	15	the	the	DET
fsr-3174	376	16	lower	low	ADJ
fsr-3174	376	17	is	be	AUX
fsr-3174	376	18	the	the	DET
fsr-3174	376	19	risk	risk	NOUN
fsr-3174	376	20	aversion	aversion	NOUN
fsr-3174	376	21	)	)	PUNCT
fsr-3174	376	22	.	.	PUNCT
fsr-3174	377	1	we	we	PRON
fsr-3174	377	2	do	do	AUX
fsr-3174	377	3	not	not	PART
fsr-3174	377	4	find	find	VERB
fsr-3174	377	5	significant	significant	ADJ
fsr-3174	377	6	results	result	NOUN
fsr-3174	377	7	of	of	ADP
fsr-3174	377	8	housing	housing	NOUN
fsr-3174	377	9	on	on	ADP
fsr-3174	377	10	capital	capital	NOUN
fsr-3174	377	11	market	market	NOUN
fsr-3174	377	12	participation	participation	NOUN
fsr-3174	377	13	,	,	PUNCT
fsr-3174	377	14	but	but	CCONJ
fsr-3174	377	15	age	age	NOUN
fsr-3174	377	16	and	and	CCONJ
fsr-3174	377	17	gender	gender	NOUN
fsr-3174	377	18	play	play	VERB
fsr-3174	377	19	a	a	DET
fsr-3174	377	20	role	role	NOUN
fsr-3174	377	21	,	,	PUNCT
fsr-3174	377	22	directly	directly	ADV
fsr-3174	377	23	,	,	PUNCT
fsr-3174	377	24	and	and	CCONJ
fsr-3174	377	25	indirectly	indirectly	ADV
fsr-3174	377	26	via	via	ADP
fsr-3174	377	27	financial	financial	ADJ
fsr-3174	377	28	literacy	literacy	NOUN
fsr-3174	377	29	and	and	CCONJ
fsr-3174	377	30	risk	risk	NOUN
fsr-3174	377	31	attitude	attitude	NOUN
fsr-3174	377	32	.	.	PUNCT
fsr-3174	378	1	the	the	DET
fsr-3174	378	2	socalled	socalled	ADJ
fsr-3174	378	3	gender	gender	NOUN
fsr-3174	378	4	gap	gap	NOUN
fsr-3174	378	5	can	can	AUX
fsr-3174	378	6	be	be	AUX
fsr-3174	378	7	mainly	mainly	ADV
fsr-3174	378	8	explained	explain	VERB
fsr-3174	378	9	by	by	ADP
fsr-3174	378	10	more	more	ADJ
fsr-3174	378	11	risk	risk	NOUN
fsr-3174	378	12	averse	averse	ADJ
fsr-3174	378	13	women	woman	NOUN
fsr-3174	378	14	and	and	CCONJ
fsr-3174	378	15	their	their	PRON
fsr-3174	378	16	role	role	NOUN
fsr-3174	378	17	as	as	ADP
fsr-3174	378	18	financially	financially	ADV
fsr-3174	378	19	knowledgeable	knowledgeable	ADJ
fsr-3174	378	20	person	person	NOUN
fsr-3174	378	21	(	(	PUNCT
fsr-3174	378	22	fkp	fkp	PROPN
fsr-3174	378	23	)	)	PUNCT
fsr-3174	378	24	,	,	PUNCT
fsr-3174	378	25	if	if	SCONJ
fsr-3174	378	26	at	at	ADP
fsr-3174	378	27	the	the	DET
fsr-3174	378	28	same	same	ADJ
fsr-3174	378	29	time	time	NOUN
fsr-3174	378	30	it	it	PRON
fsr-3174	378	31	is	be	AUX
fsr-3174	378	32	taken	take	VERB
fsr-3174	378	33	into	into	ADP
fsr-3174	378	34	account	account	NOUN
fsr-3174	378	35	that	that	SCONJ
fsr-3174	378	36	it	it	PRON
fsr-3174	378	37	is	be	AUX
fsr-3174	378	38	above	above	ADP
fsr-3174	378	39	average	average	ADJ
fsr-3174	378	40	women	woman	NOUN
fsr-3174	378	41	who	who	PRON
fsr-3174	378	42	were	be	AUX
fsr-3174	378	43	interviewed	interview	VERB
fsr-3174	378	44	as	as	ADP
fsr-3174	378	45	widowed	widow	VERB
fsr-3174	378	46	or	or	CCONJ
fsr-3174	378	47	divorced	divorce	VERB
fsr-3174	378	48	fkp	fkp	PROPN
fsr-3174	378	49	.	.	PUNCT
fsr-3174	379	1	in	in	ADP
fsr-3174	379	2	addition	addition	NOUN
fsr-3174	379	3	,	,	PUNCT
fsr-3174	379	4	any	any	DET
fsr-3174	379	5	effort	effort	NOUN
fsr-3174	379	6	to	to	PART
fsr-3174	379	7	promote	promote	VERB
fsr-3174	379	8	the	the	DET
fsr-3174	379	9	capital	capital	NOUN
fsr-3174	379	10	market	market	NOUN
fsr-3174	379	11	participation	participation	NOUN
fsr-3174	379	12	,	,	PUNCT
fsr-3174	379	13	and	and	CCONJ
fsr-3174	379	14	the	the	DET
fsr-3174	379	15	financial	financial	ADJ
fsr-3174	379	16	literacy	literacy	NOUN
fsr-3174	379	17	to	to	ADP
fsr-3174	379	18	that	that	DET
fsr-3174	379	19	end	end	NOUN
fsr-3174	379	20	,	,	PUNCT
fsr-3174	379	21	should	should	AUX
fsr-3174	379	22	keep	keep	VERB
fsr-3174	379	23	in	in	ADP
fsr-3174	379	24	mind	mind	NOUN
fsr-3174	379	25	that	that	SCONJ
fsr-3174	379	26	many	many	ADJ
fsr-3174	379	27	households	household	NOUN
fsr-3174	379	28	,	,	PUNCT
fsr-3174	379	29	but	but	CCONJ
fsr-3174	379	30	in	in	ADP
fsr-3174	379	31	particular	particular	ADJ
fsr-3174	379	32	younger	young	ADJ
fsr-3174	379	33	ones	one	NOUN
fsr-3174	379	34	,	,	PUNCT
fsr-3174	379	35	do	do	AUX
fsr-3174	379	36	not	not	PART
fsr-3174	379	37	seem	seem	VERB
fsr-3174	379	38	to	to	PART
fsr-3174	379	39	be	be	AUX
fsr-3174	379	40	in	in	ADP
fsr-3174	379	41	a	a	DET
fsr-3174	379	42	position	position	NOUN
fsr-3174	379	43	to	to	PART
fsr-3174	379	44	have	have	VERB
fsr-3174	379	45	financial	financial	ADJ
fsr-3174	379	46	funds	fund	NOUN
fsr-3174	379	47	available	available	ADJ
fsr-3174	379	48	for	for	ADP
fsr-3174	379	49	capital	capital	NOUN
fsr-3174	379	50	market	market	NOUN
fsr-3174	379	51	participation	participation	NOUN
fsr-3174	379	52	at	at	ADP
fsr-3174	379	53	all	all	ADV
fsr-3174	379	54	due	due	ADJ
fsr-3174	379	55	to	to	ADP
fsr-3174	379	56	their	their	PRON
fsr-3174	379	57	tight	tight	ADJ
fsr-3174	379	58	budget	budget	NOUN
fsr-3174	379	59	(	(	PUNCT
fsr-3174	379	60	campbell	campbell	PROPN
fsr-3174	379	61	,	,	PUNCT
fsr-3174	379	62	2006	2006	NUM
fsr-3174	379	63	;	;	PUNCT
fsr-3174	379	64	vissing	visse	VERB
fsr-3174	379	65	-	-	PUNCT
fsr-3174	379	66	jorgensen	jorgensen	PROPN
fsr-3174	379	67	,	,	PUNCT
fsr-3174	379	68	2002	2002	NUM
fsr-3174	379	69	,	,	PUNCT
fsr-3174	379	70	2004	2004	NUM
fsr-3174	379	71	)	)	PUNCT
fsr-3174	379	72	.	.	PUNCT
fsr-3174	380	1	given	give	VERB
fsr-3174	380	2	the	the	DET
fsr-3174	380	3	economic	economic	ADJ
fsr-3174	380	4	consequences	consequence	NOUN
fsr-3174	380	5	of	of	ADP
fsr-3174	380	6	progressively	progressively	ADV
fsr-3174	380	7	higher	high	ADJ
fsr-3174	380	8	inflation	inflation	NOUN
fsr-3174	380	9	,	,	PUNCT
fsr-3174	380	10	but	but	CCONJ
fsr-3174	380	11	also	also	ADV
fsr-3174	380	12	given	give	VERB
fsr-3174	380	13	the	the	DET
fsr-3174	380	14	nexus	nexus	NOUN
fsr-3174	380	15	of	of	ADP
fsr-3174	380	16	physical	physical	ADJ
fsr-3174	380	17	health	health	NOUN
fsr-3174	380	18	aspects	aspect	NOUN
fsr-3174	380	19	and	and	CCONJ
fsr-3174	380	20	financial	financial	ADJ
fsr-3174	380	21	health	health	NOUN
fsr-3174	380	22	,	,	PUNCT
fsr-3174	380	23	further	further	ADJ
fsr-3174	380	24	analysis	analysis	NOUN
fsr-3174	380	25	should	should	AUX
fsr-3174	380	26	also	also	ADV
fsr-3174	380	27	clarify	clarify	VERB
fsr-3174	380	28	the	the	DET
fsr-3174	380	29	extent	extent	NOUN
fsr-3174	380	30	to	to	PART
fsr-3174	380	31	which	which	PRON
fsr-3174	380	32	capital	capital	NOUN
fsr-3174	380	33	market	market	NOUN
fsr-3174	380	34	participation	participation	NOUN
fsr-3174	380	35	may	may	AUX
fsr-3174	380	36	be	be	AUX
fsr-3174	380	37	permanently	permanently	ADV
fsr-3174	380	38	impaired	impaired	ADJ
fsr-3174	380	39	.	.	PUNCT
fsr-3174	381	1	when	when	SCONJ
fsr-3174	381	2	policymakers	policymaker	NOUN
fsr-3174	381	3	and	and	CCONJ
fsr-3174	381	4	academics	academic	NOUN
fsr-3174	381	5	elaborate	elaborate	VERB
fsr-3174	381	6	on	on	ADP
fsr-3174	381	7	concepts	concept	NOUN
fsr-3174	381	8	to	to	PART
fsr-3174	381	9	increase	increase	VERB
fsr-3174	381	10	the	the	DET
fsr-3174	381	11	engagement	engagement	NOUN
fsr-3174	381	12	of	of	ADP
fsr-3174	381	13	households	household	NOUN
fsr-3174	381	14	in	in	ADP
fsr-3174	381	15	capital	capital	NOUN
fsr-3174	381	16	markets	market	NOUN
fsr-3174	381	17	,	,	PUNCT
fsr-3174	381	18	they	they	PRON
fsr-3174	381	19	should	should	AUX
fsr-3174	381	20	be	be	AUX
fsr-3174	381	21	aware	aware	ADJ
fsr-3174	381	22	of	of	ADP
fsr-3174	381	23	households	household	NOUN
fsr-3174	381	24	’	'	PUNCT
fsr-3174	381	25	challenging	challenge	VERB
fsr-3174	381	26	economic	economic	ADJ
fsr-3174	381	27	situations	situation	NOUN
fsr-3174	381	28	as	as	ADP
fsr-3174	381	29	a	a	DET
fsr-3174	381	30	determining	determine	VERB
fsr-3174	381	31	factor	factor	NOUN
fsr-3174	381	32	.	.	PUNCT
fsr-3174	382	1	if	if	SCONJ
fsr-3174	382	2	policymakers	policymaker	NOUN
fsr-3174	382	3	and	and	CCONJ
fsr-3174	382	4	academics	academic	NOUN
fsr-3174	382	5	only	only	ADV
fsr-3174	382	6	focus	focus	VERB
fsr-3174	382	7	on	on	ADP
fsr-3174	382	8	enhancing	enhance	VERB
fsr-3174	382	9	financial	financial	ADJ
fsr-3174	382	10	literacy	literacy	NOUN
fsr-3174	382	11	without	without	ADP
fsr-3174	382	12	considering	consider	VERB
fsr-3174	382	13	the	the	DET
fsr-3174	382	14	households	household	NOUN
fsr-3174	382	15	’	'	PUNCT
fsr-3174	382	16	financial	financial	ADJ
fsr-3174	382	17	restrictions	restriction	NOUN
fsr-3174	382	18	,	,	PUNCT
fsr-3174	382	19	the	the	DET
fsr-3174	382	20	interventions	intervention	NOUN
fsr-3174	382	21	would	would	AUX
fsr-3174	382	22	most	most	ADV
fsr-3174	382	23	probably	probably	ADV
fsr-3174	382	24	fail	fail	VERB
fsr-3174	382	25	.	.	PUNCT
fsr-3174	383	1	practitioners	practitioner	NOUN
fsr-3174	383	2	such	such	ADJ
fsr-3174	383	3	as	as	ADP
fsr-3174	383	4	financial	financial	ADJ
fsr-3174	383	5	advisors	advisor	NOUN
fsr-3174	383	6	should	should	AUX
fsr-3174	383	7	better	well	ADV
fsr-3174	383	8	point	point	VERB
fsr-3174	383	9	out	out	ADP
fsr-3174	383	10	to	to	ADP
fsr-3174	383	11	low	low	ADJ
fsr-3174	383	12	net	net	ADJ
fsr-3174	383	13	wealth	wealth	NOUN
fsr-3174	383	14	households	household	NOUN
fsr-3174	383	15	that	that	DET
fsr-3174	383	16	participation	participation	NOUN
fsr-3174	383	17	in	in	ADP
fsr-3174	383	18	the	the	DET
fsr-3174	383	19	capital	capital	NOUN
fsr-3174	383	20	market	market	NOUN
fsr-3174	383	21	is	be	AUX
fsr-3174	383	22	already	already	ADV
fsr-3174	383	23	possible	possible	ADJ
fsr-3174	383	24	and	and	CCONJ
fsr-3174	383	25	feasible	feasible	ADJ
fsr-3174	383	26	with	with	ADP
fsr-3174	383	27	diversified	diversified	ADJ
fsr-3174	383	28	investments	investment	NOUN
fsr-3174	383	29	as	as	ADV
fsr-3174	383	30	low	low	ADJ
fsr-3174	383	31	as	as	ADP
fsr-3174	383	32	five	five	NUM
fsr-3174	383	33	dollars	dollar	NOUN
fsr-3174	383	34	/	/	SYM
fsr-3174	383	35	euros	euro	NOUN
fsr-3174	383	36	per	per	ADP
fsr-3174	383	37	month	month	NOUN
fsr-3174	383	38	,	,	PUNCT
fsr-3174	383	39	for	for	ADP
fsr-3174	383	40	example	example	NOUN
fsr-3174	383	41	,	,	PUNCT
fsr-3174	383	42	via	via	ADP
fsr-3174	383	43	exchange	exchange	NOUN
fsr-3174	383	44	traded	trade	VERB
fsr-3174	383	45	funds	fund	NOUN
fsr-3174	383	46	(	(	PUNCT
fsr-3174	383	47	d’acunto	d’acunto	NOUN
fsr-3174	383	48	&	&	CCONJ
fsr-3174	383	49	rossi	rossi	ADJ
fsr-3174	383	50	,	,	PUNCT
fsr-3174	383	51	2020	2020	NUM
fsr-3174	383	52	;	;	PUNCT
fsr-3174	383	53	horn	horn	PROPN
fsr-3174	383	54	&	&	CCONJ
fsr-3174	383	55	oehler	oehler	NOUN
fsr-3174	383	56	,	,	PUNCT
fsr-3174	383	57	2020	2020	NUM
fsr-3174	383	58	;	;	PUNCT
fsr-3174	383	59	oehler	oehler	PROPN
fsr-3174	383	60	et	et	PROPN
fsr-3174	383	61	al	al	PROPN
fsr-3174	383	62	.	.	PROPN
fsr-3174	383	63	,	,	PUNCT
fsr-3174	383	64	2022a	2022a	NUM
fsr-3174	383	65	,	,	PUNCT
fsr-3174	383	66	2022b	2022b	NUM
fsr-3174	383	67	;	;	PUNCT
fsr-3174	383	68	rossi	rossi	PROPN
fsr-3174	383	69	&	&	CCONJ
fsr-3174	383	70	utkus	utkus	PROPN
fsr-3174	383	71	,	,	PUNCT
fsr-3174	383	72	2020	2020	NUM
fsr-3174	383	73	)	)	PUNCT
fsr-3174	383	74	.	.	PUNCT
fsr-3174	384	1	references	reference	NOUN
fsr-3174	384	2	altmann	altmann	PROPN
fsr-3174	384	3	,	,	PUNCT
fsr-3174	384	4	k.	k.	PROPN
fsr-3174	384	5	,	,	PUNCT
fsr-3174	384	6	bernard	bernard	PROPN
fsr-3174	384	7	,	,	PUNCT
fsr-3174	384	8	r.	r.	PROPN
fsr-3174	384	9	,	,	PUNCT
fsr-3174	384	10	le	le	X
fsr-3174	384	11	blanc	blanc	PROPN
fsr-3174	384	12	,	,	PUNCT
fsr-3174	384	13	j.	j.	PROPN
fsr-3174	384	14	,	,	PUNCT
fsr-3174	384	15	gabortoth	gabortoth	PROPN
fsr-3174	384	16	,	,	PUNCT
fsr-3174	384	17	e.	e.	PROPN
fsr-3174	384	18	,	,	PUNCT
fsr-3174	384	19	hebbat	hebbat	NOUN
fsr-3174	384	20	,	,	PUNCT
fsr-3174	384	21	m.	m.	NOUN
fsr-3174	384	22	,	,	PUNCT
fsr-3174	384	23	kothmayr	kothmayr	PROPN
fsr-3174	384	24	,	,	PUNCT
fsr-3174	384	25	l.	l.	PROPN
fsr-3174	384	26	,	,	PUNCT
fsr-3174	384	27	schmidt	schmidt	PROPN
fsr-3174	384	28	,	,	PUNCT
fsr-3174	384	29	t.	t.	PROPN
fsr-3174	384	30	,	,	PUNCT
fsr-3174	384	31	tzamourani	tzamourani	PROPN
fsr-3174	384	32	,	,	PUNCT
fsr-3174	384	33	p.	p.	NOUN
fsr-3174	384	34	,	,	PUNCT
fsr-3174	384	35	werner	werner	PROPN
fsr-3174	384	36	,	,	PUNCT
fsr-3174	384	37	d.	d.	PROPN
fsr-3174	384	38	,	,	PUNCT
fsr-3174	384	39	&	&	CCONJ
fsr-3174	384	40	zhu	zhu	PROPN
fsr-3174	384	41	,	,	PUNCT
fsr-3174	384	42	j.	j.	PROPN
fsr-3174	384	43	(	(	PUNCT
fsr-3174	384	44	2020	2020	NUM
fsr-3174	384	45	)	)	PUNCT
fsr-3174	384	46	.	.	PUNCT
fsr-3174	385	1	the	the	DET
fsr-3174	385	2	panel	panel	NOUN
fsr-3174	385	3	on	on	ADP
fsr-3174	385	4	household	household	NOUN
fsr-3174	385	5	finances	finance	NOUN
fsr-3174	385	6	(	(	PUNCT
fsr-3174	385	7	phf	phf	NOUN
fsr-3174	385	8	)	)	PUNCT
fsr-3174	385	9	microdata	microdata	NOUN
fsr-3174	385	10	on	on	ADP
fsr-3174	385	11	household	household	NOUN
fsr-3174	385	12	wealth	wealth	NOUN
fsr-3174	385	13	in	in	ADP
fsr-3174	385	14	germany	germany	PROPN
fsr-3174	385	15	.	.	PUNCT
fsr-3174	386	1	german	german	ADJ
fsr-3174	386	2	economic	economic	ADJ
fsr-3174	386	3	review	review	NOUN
fsr-3174	386	4	,	,	PUNCT
fsr-3174	386	5	21(3	21(3	NUM
fsr-3174	386	6	)	)	PUNCT
fsr-3174	386	7	,	,	PUNCT
fsr-3174	386	8	373–400	373–400	NUM
fsr-3174	386	9	.	.	PUNCT
fsr-3174	387	1	ameriks	ameriks	PROPN
fsr-3174	387	2	,	,	PUNCT
fsr-3174	387	3	j.	j.	PROPN
fsr-3174	387	4	,	,	PUNCT
fsr-3174	387	5	&	&	CCONJ
fsr-3174	387	6	zeldes	zeldes	PROPN
fsr-3174	387	7	s.	s.	PROPN
fsr-3174	388	1	p.	p.	PROPN
fsr-3174	388	2	(	(	PUNCT
fsr-3174	388	3	2004	2004	NUM
fsr-3174	388	4	)	)	PUNCT
fsr-3174	388	5	.	.	PUNCT
fsr-3174	389	1	how	how	SCONJ
fsr-3174	389	2	do	do	AUX
fsr-3174	389	3	household	household	NOUN
fsr-3174	389	4	portfolio	portfolio	NOUN
fsr-3174	389	5	shares	share	NOUN
fsr-3174	389	6	vary	vary	VERB
fsr-3174	389	7	with	with	ADP
fsr-3174	389	8	age	age	NOUN
fsr-3174	389	9	?	?	PUNCT
fsr-3174	389	10	.	.	PUNCT
fsr-3174	390	1	working	work	VERB
fsr-3174	390	2	paper	paper	NOUN
fsr-3174	390	3	.	.	PUNCT
fsr-3174	391	1	https://business.columbia.edu/sites/default/f	https://business.columbia.edu/sites/default/f	PROPN
fsr-3174	391	2	ilesefs	ilesefs	PROPN
fsr-3174	391	3	/	/	SYM
fsr-3174	391	4	pubfiles/16	pubfiles/16	NOUN
fsr-3174	391	5	/	/	SYM
fsr-3174	391	6	ameriks_zeldes_age_sept	ameriks_zeldes_age_sept	SYM
fsr-3174	391	7	_	_	PROPN
fsr-3174	391	8	2004d.pdf	2004d.pdf	PROPN
fsr-3174	391	9	arbuckle	arbuckle	PROPN
fsr-3174	391	10	,	,	PUNCT
fsr-3174	391	11	j.	j.	PROPN
fsr-3174	391	12	l.	l.	PROPN
fsr-3174	391	13	(	(	PUNCT
fsr-3174	391	14	2019	2019	NUM
fsr-3174	391	15	)	)	PUNCT
fsr-3174	391	16	.	.	PUNCT
fsr-3174	392	1	ibm	ibm	PROPN
fsr-3174	392	2	®	®	PROPN
fsr-3174	392	3	spss	spss	PROPN
fsr-3174	392	4	®	®	PROPN
fsr-3174	392	5	amos	amos	PROPN
fsr-3174	392	6	™	™	VERB
fsr-3174	392	7	26	26	NUM
fsr-3174	392	8	user	user	NOUN
fsr-3174	392	9	’s	’s	PART
fsr-3174	392	10	guide	guide	NOUN
fsr-3174	392	11	.	.	PUNCT
fsr-3174	393	1	ibm	ibm	PROPN
fsr-3174	393	2	.	.	PROPN
fsr-3174	393	3	arrow	arrow	PROPN
fsr-3174	393	4	,	,	PUNCT
fsr-3174	393	5	k.	k.	PROPN
fsr-3174	393	6	j.	j.	PROPN
fsr-3174	393	7	(	(	PUNCT
fsr-3174	393	8	1965	1965	NUM
fsr-3174	393	9	)	)	PUNCT
fsr-3174	393	10	.	.	PUNCT
fsr-3174	394	1	aspects	aspect	NOUN
fsr-3174	394	2	of	of	ADP
fsr-3174	394	3	the	the	DET
fsr-3174	394	4	theory	theory	NOUN
fsr-3174	394	5	of	of	ADP
fsr-3174	394	6	riskbearing	riskbeare	VERB
fsr-3174	394	7	.	.	PUNCT
fsr-3174	395	1	yrjö	yrjö	PROPN
fsr-3174	395	2	jahnssonin	jahnssonin	ADJ
fsr-3174	395	3	säätiö.	säätiö.	PROPN
fsr-3174	395	4	athreya	athreya	PROPN
fsr-3174	395	5	,	,	PUNCT
fsr-3174	395	6	k.	k.	PROPN
fsr-3174	395	7	,	,	PUNCT
fsr-3174	395	8	ionescu	ionescu	PROPN
fsr-3174	395	9	,	,	PUNCT
fsr-3174	395	10	f.	f.	PROPN
fsr-3174	395	11	,	,	PUNCT
fsr-3174	395	12	&	&	CCONJ
fsr-3174	395	13	neelakantan	neelakantan	PROPN
fsr-3174	395	14	,	,	PUNCT
fsr-3174	395	15	u.	u.	PROPN
fsr-3174	395	16	(	(	PUNCT
fsr-3174	395	17	2023	2023	NUM
fsr-3174	395	18	)	)	PUNCT
fsr-3174	395	19	.	.	PUNCT
fsr-3174	396	1	stock	stock	NOUN
fsr-3174	396	2	market	market	NOUN
fsr-3174	396	3	participation	participation	NOUN
fsr-3174	396	4	:	:	PUNCT
fsr-3174	396	5	the	the	DET
fsr-3174	396	6	role	role	NOUN
fsr-3174	396	7	of	of	ADP
fsr-3174	396	8	human	human	ADJ
fsr-3174	396	9	capital	capital	NOUN
fsr-3174	396	10	.	.	PUNCT
fsr-3174	397	1	review	review	NOUN
fsr-3174	397	2	of	of	ADP
fsr-3174	397	3	economic	economic	ADJ
fsr-3174	397	4	dynamics	dynamic	NOUN
fsr-3174	397	5	,	,	PUNCT
fsr-3174	397	6	47(january	47(january	NUM
fsr-3174	397	7	)	)	PUNCT
fsr-3174	397	8	,	,	PUNCT
fsr-3174	397	9	1	1	NUM
fsr-3174	397	10	-	-	SYM
fsr-3174	397	11	18	18	NUM
fsr-3174	397	12	.	.	PUNCT
fsr-3174	398	1	aubram	aubram	NOUN
fsr-3174	398	2	,	,	PUNCT
fsr-3174	398	3	t.	t.	PROPN
fsr-3174	398	4	,	,	PUNCT
fsr-3174	398	5	kovarova	kovarova	PROPN
fsr-3174	398	6	-	-	PUNCT
fsr-3174	398	7	simecek	simecek	PROPN
fsr-3174	398	8	,	,	PUNCT
fsr-3174	398	9	m.	m.	NOUN
fsr-3174	398	10	,	,	PUNCT
fsr-3174	398	11	&	&	CCONJ
fsr-3174	398	12	wanzenried	wanzenrie	VERB
fsr-3174	398	13	,	,	PUNCT
fsr-3174	398	14	g.	g.	PROPN
fsr-3174	398	15	(	(	PUNCT
fsr-3174	398	16	2016	2016	NUM
fsr-3174	398	17	)	)	PUNCT
fsr-3174	398	18	.	.	PUNCT
fsr-3174	399	1	financial	financial	ADJ
fsr-3174	399	2	literacy	literacy	NOUN
fsr-3174	399	3	,	,	PUNCT
fsr-3174	399	4	pension	pension	NOUN
fsr-3174	399	5	planning	planning	NOUN
fsr-3174	399	6	,	,	PUNCT
fsr-3174	399	7	and	and	CCONJ
fsr-3174	399	8	investment	investment	NOUN
fsr-3174	399	9	behavior	behavior	NOUN
fsr-3174	399	10	.	.	PUNCT
fsr-3174	400	1	working	work	VERB
fsr-3174	400	2	paper	paper	NOUN
fsr-3174	400	3	,	,	PUNCT
fsr-3174	400	4	uas	uas	PROPN
fsr-3174	400	5	st	st	PROPN
fsr-3174	400	6	.	.	PROPN
fsr-3174	400	7	pölten	pölten	PROPN
fsr-3174	400	8	.	.	PUNCT
fsr-3174	401	1	oehler	oehler	PROPN
fsr-3174	401	2	&	&	CCONJ
fsr-3174	401	3	horn	horn	PROPN
fsr-3174	401	4	301	301	NUM
fsr-3174	401	5	https://papers.ssrn.com/sol3/papers.cfm?abs	https://papers.ssrn.com/sol3/papers.cfm?ab	NOUN
fsr-3174	401	6	tract_id=2834869	tract_id=2834869	NOUN
fsr-3174	401	7	backhaus	backhaus	NOUN
fsr-3174	401	8	,	,	PUNCT
fsr-3174	401	9	k.	k.	PROPN
fsr-3174	401	10	,	,	PUNCT
fsr-3174	401	11	erichson	erichson	PROPN
fsr-3174	401	12	,	,	PUNCT
fsr-3174	401	13	b.	b.	PROPN
fsr-3174	401	14	,	,	PUNCT
fsr-3174	401	15	&	&	CCONJ
fsr-3174	401	16	weiber	weiber	PROPN
fsr-3174	401	17	,	,	PUNCT
fsr-3174	401	18	r.	r.	PROPN
fsr-3174	401	19	(	(	PUNCT
fsr-3174	401	20	2015	2015	NUM
fsr-3174	401	21	)	)	PUNCT
fsr-3174	401	22	.	.	PUNCT
fsr-3174	402	1	fortgeschrittene	fortgeschrittene	ADJ
fsr-3174	402	2	multivariate	multivariate	NOUN
fsr-3174	402	3	analysemethoden	analysemethoden	NOUN
fsr-3174	402	4	,	,	PUNCT
fsr-3174	402	5	eine	eine	PROPN
fsr-3174	402	6	anwendungsorientierte	anwendungsorientierte	PROPN
fsr-3174	402	7	einführung	einführung	PROPN
fsr-3174	402	8	(	(	PUNCT
fsr-3174	402	9	3rd	3rd	NOUN
fsr-3174	402	10	ed	ed	NOUN
fsr-3174	402	11	.	.	PUNCT
fsr-3174	402	12	)	)	PUNCT
fsr-3174	402	13	.	.	PUNCT
fsr-3174	403	1	springer	springer	NOUN
fsr-3174	403	2	.	.	PUNCT
fsr-3174	404	1	bannier	bannier	NOUN
fsr-3174	404	2	,	,	PUNCT
fsr-3174	404	3	c.	c.	PROPN
fsr-3174	404	4	e.	e.	PROPN
fsr-3174	404	5	,	,	PUNCT
fsr-3174	404	6	&	&	CCONJ
fsr-3174	404	7	schwarz	schwarz	PROPN
fsr-3174	404	8	,	,	PUNCT
fsr-3174	404	9	m.	m.	NOUN
fsr-3174	404	10	(	(	PUNCT
fsr-3174	404	11	2018	2018	NUM
fsr-3174	404	12	)	)	PUNCT
fsr-3174	404	13	.	.	PUNCT
fsr-3174	405	1	gender	gender	NOUN
fsr-3174	405	2	and	and	CCONJ
fsr-3174	405	3	education	education	NOUN
fsr-3174	405	4	-	-	PUNCT
fsr-3174	405	5	related	relate	VERB
fsr-3174	405	6	effects	effect	NOUN
fsr-3174	405	7	of	of	ADP
fsr-3174	405	8	financial	financial	ADJ
fsr-3174	405	9	literacy	literacy	NOUN
fsr-3174	405	10	and	and	CCONJ
fsr-3174	405	11	confidence	confidence	NOUN
fsr-3174	405	12	on	on	ADP
fsr-3174	405	13	financial	financial	ADJ
fsr-3174	405	14	wealth	wealth	NOUN
fsr-3174	405	15	.	.	PUNCT
fsr-3174	406	1	journal	journal	NOUN
fsr-3174	406	2	of	of	ADP
fsr-3174	406	3	economic	economic	ADJ
fsr-3174	406	4	psychology	psychology	NOUN
fsr-3174	406	5	,	,	PUNCT
fsr-3174	406	6	67(c	67(c	PROPN
fsr-3174	406	7	)	)	PUNCT
fsr-3174	406	8	,	,	PUNCT
fsr-3174	406	9	6686	6686	NUM
fsr-3174	406	10	.	.	PUNCT
fsr-3174	407	1	barberis	barberis	PROPN
fsr-3174	407	2	,	,	PUNCT
fsr-3174	407	3	n.	n.	NOUN
fsr-3174	407	4	(	(	PUNCT
fsr-3174	407	5	2000	2000	NUM
fsr-3174	407	6	)	)	PUNCT
fsr-3174	407	7	.	.	PUNCT
fsr-3174	408	1	investing	invest	VERB
fsr-3174	408	2	for	for	ADP
fsr-3174	408	3	the	the	DET
fsr-3174	408	4	long	long	ADJ
fsr-3174	408	5	run	run	NOUN
fsr-3174	408	6	when	when	SCONJ
fsr-3174	408	7	returns	return	NOUN
fsr-3174	408	8	are	be	AUX
fsr-3174	408	9	predictable	predictable	ADJ
fsr-3174	408	10	.	.	PUNCT
fsr-3174	409	1	journal	journal	PROPN
fsr-3174	409	2	of	of	ADP
fsr-3174	409	3	finance	finance	NOUN
fsr-3174	409	4	,	,	PUNCT
fsr-3174	409	5	55(1	55(1	NOUN
fsr-3174	409	6	)	)	PUNCT
fsr-3174	409	7	,	,	PUNCT
fsr-3174	409	8	225–264	225–264	NUM
fsr-3174	409	9	.	.	PUNCT
fsr-3174	410	1	bernheim	bernheim	PROPN
fsr-3174	410	2	,	,	PUNCT
fsr-3174	410	3	b.	b.	PROPN
fsr-3174	410	4	d.	d.	PROPN
fsr-3174	410	5	,	,	PUNCT
fsr-3174	410	6	garrett	garrett	PROPN
fsr-3174	410	7	,	,	PUNCT
fsr-3174	410	8	d.	d.	PROPN
fsr-3174	410	9	m.	m.	PROPN
fsr-3174	410	10	,	,	PUNCT
fsr-3174	410	11	&	&	CCONJ
fsr-3174	410	12	maki	maki	PROPN
fsr-3174	410	13	,	,	PUNCT
fsr-3174	410	14	d.	d.	PROPN
fsr-3174	410	15	m.	m.	PROPN
fsr-3174	410	16	(	(	PUNCT
fsr-3174	410	17	2001	2001	NUM
fsr-3174	410	18	)	)	PUNCT
fsr-3174	410	19	.	.	PUNCT
fsr-3174	411	1	education	education	NOUN
fsr-3174	411	2	and	and	CCONJ
fsr-3174	411	3	saving	saving	NOUN
fsr-3174	411	4	:	:	PUNCT
fsr-3174	411	5	the	the	DET
fsr-3174	411	6	longterm	longterm	ADJ
fsr-3174	411	7	effect	effect	NOUN
fsr-3174	411	8	of	of	ADP
fsr-3174	411	9	high	high	ADJ
fsr-3174	411	10	school	school	NOUN
fsr-3174	411	11	financial	financial	ADJ
fsr-3174	411	12	curriculum	curriculum	NOUN
fsr-3174	411	13	mandates	mandate	NOUN
fsr-3174	411	14	.	.	PUNCT
fsr-3174	412	1	journal	journal	NOUN
fsr-3174	412	2	of	of	ADP
fsr-3174	412	3	public	public	ADJ
fsr-3174	412	4	economics	economic	NOUN
fsr-3174	412	5	,	,	PUNCT
fsr-3174	412	6	80(3	80(3	NUM
fsr-3174	412	7	)	)	PUNCT
fsr-3174	412	8	,	,	PUNCT
fsr-3174	412	9	435–465	435–465	NUM
fsr-3174	412	10	.	.	PUNCT
fsr-3174	413	1	beshears	beshear	NOUN
fsr-3174	413	2	,	,	PUNCT
fsr-3174	413	3	j.	j.	PROPN
fsr-3174	413	4	,	,	PUNCT
fsr-3174	413	5	choi	choi	PROPN
fsr-3174	413	6	,	,	PUNCT
fsr-3174	413	7	j.	j.	PROPN
fsr-3174	413	8	j.	j.	PROPN
fsr-3174	413	9	,	,	PUNCT
fsr-3174	413	10	laibson	laibson	PROPN
fsr-3174	413	11	,	,	PUNCT
fsr-3174	413	12	d.	d.	PROPN
fsr-3174	413	13	,	,	PUNCT
fsr-3174	413	14	madrian	madrian	PROPN
fsr-3174	413	15	,	,	PUNCT
fsr-3174	413	16	b.	b.	PROPN
fsr-3174	413	17	c.	c.	PROPN
fsr-3174	413	18	(	(	PUNCT
fsr-3174	413	19	2018	2018	NUM
fsr-3174	413	20	,	,	PUNCT
fsr-3174	413	21	behavioral	behavioral	ADJ
fsr-3174	413	22	household	household	NOUN
fsr-3174	413	23	finance	finance	NOUN
fsr-3174	413	24	.	.	PUNCT
fsr-3174	414	1	nber	nber	PROPN
fsr-3174	414	2	.	.	PUNCT
fsr-3174	415	1	working	work	VERB
fsr-3174	415	2	paper	paper	PROPN
fsr-3174	415	3	24854	24854	NUM
fsr-3174	415	4	.	.	PUNCT
fsr-3174	416	1	bilias	bilias	PROPN
fsr-3174	416	2	,	,	PUNCT
fsr-3174	416	3	y.	y.	PROPN
fsr-3174	416	4	,	,	PUNCT
fsr-3174	416	5	georgarakos	georgarakos	PROPN
fsr-3174	416	6	,	,	PUNCT
fsr-3174	416	7	d.	d.	PROPN
fsr-3174	416	8	,	,	PUNCT
fsr-3174	416	9	&	&	CCONJ
fsr-3174	416	10	haliassos	haliassos	NOUN
fsr-3174	416	11	,	,	PUNCT
fsr-3174	416	12	m.	m.	NOUN
fsr-3174	416	13	(	(	PUNCT
fsr-3174	416	14	2010	2010	NUM
fsr-3174	416	15	)	)	PUNCT
fsr-3174	416	16	.	.	PUNCT
fsr-3174	417	1	portfolio	portfolio	NOUN
fsr-3174	417	2	inertia	inertia	NOUN
fsr-3174	417	3	and	and	CCONJ
fsr-3174	417	4	stock	stock	NOUN
fsr-3174	417	5	market	market	NOUN
fsr-3174	417	6	fluctuations	fluctuation	NOUN
fsr-3174	417	7	.	.	PUNCT
fsr-3174	418	1	journal	journal	NOUN
fsr-3174	418	2	of	of	ADP
fsr-3174	418	3	money	money	NOUN
fsr-3174	418	4	,	,	PUNCT
fsr-3174	418	5	credit	credit	NOUN
fsr-3174	418	6	and	and	CCONJ
fsr-3174	418	7	banking	banking	NOUN
fsr-3174	418	8	,	,	PUNCT
fsr-3174	418	9	42(4	42(4	PROPN
fsr-3174	418	10	)	)	PUNCT
fsr-3174	418	11	,	,	PUNCT
fsr-3174	418	12	715	715	NUM
fsr-3174	418	13	-	-	SYM
fsr-3174	418	14	742	742	NUM
fsr-3174	418	15	browne	browne	PROPN
fsr-3174	418	16	,	,	PUNCT
fsr-3174	418	17	m.	m.	PROPN
fsr-3174	418	18	w.	w.	PROPN
fsr-3174	418	19	,	,	PUNCT
fsr-3174	418	20	&	&	CCONJ
fsr-3174	418	21	cudeck	cudeck	PROPN
fsr-3174	418	22	,	,	PUNCT
fsr-3174	418	23	r.	r.	PROPN
fsr-3174	418	24	(	(	PUNCT
fsr-3174	418	25	1993	1993	NUM
fsr-3174	418	26	)	)	PUNCT
fsr-3174	418	27	.	.	PUNCT
fsr-3174	419	1	alternative	alternative	ADJ
fsr-3174	419	2	ways	way	NOUN
fsr-3174	419	3	of	of	ADP
fsr-3174	419	4	assessing	assess	VERB
fsr-3174	419	5	equation	equation	NOUN
fsr-3174	419	6	model	model	NOUN
fsr-3174	419	7	fit	fit	PROPN
fsr-3174	419	8	.	.	PUNCT
fsr-3174	420	1	in	in	ADP
fsr-3174	420	2	k.	k.	PROPN
fsr-3174	420	3	a.	a.	PROPN
fsr-3174	420	4	bollen	bollen	PROPN
fsr-3174	420	5	,	,	PUNCT
fsr-3174	420	6	k.a	k.a	PROPN
fsr-3174	420	7	.	.	PROPN
fsr-3174	420	8	and	and	CCONJ
fsr-3174	420	9	j.	j.	PROPN
fsr-3174	420	10	s.	s.	PROPN
fsr-3174	420	11	long	long	PROPN
fsr-3174	420	12	(	(	PUNCT
fsr-3174	420	13	eds	ed	NOUN
fsr-3174	420	14	.	.	PUNCT
fsr-3174	420	15	)	)	PUNCT
fsr-3174	420	16	,	,	PUNCT
fsr-3174	420	17	testing	test	VERB
fsr-3174	420	18	structural	structural	ADJ
fsr-3174	420	19	equation	equation	NOUN
fsr-3174	420	20	models	model	NOUN
fsr-3174	420	21	.	.	PUNCT
fsr-3174	421	1	sage	sage	NOUN
fsr-3174	421	2	.	.	PUNCT
fsr-3174	422	1	bucciol	bucciol	PROPN
fsr-3174	422	2	,	,	PUNCT
fsr-3174	422	3	a.	a.	NOUN
fsr-3174	422	4	,	,	PUNCT
fsr-3174	422	5	cavasso	cavasso	PROPN
fsr-3174	422	6	,	,	PUNCT
fsr-3174	422	7	b.	b.	PROPN
fsr-3174	422	8	,	,	PUNCT
fsr-3174	422	9	&	&	CCONJ
fsr-3174	422	10	zarri	zarri	PROPN
fsr-3174	422	11	,	,	PUNCT
fsr-3174	422	12	l.	l.	PROPN
fsr-3174	422	13	(	(	PUNCT
fsr-3174	422	14	2019	2019	NUM
fsr-3174	422	15	)	)	PUNCT
fsr-3174	422	16	.	.	PUNCT
fsr-3174	423	1	can	can	AUX
fsr-3174	423	2	risk	risk	VERB
fsr-3174	423	3	-	-	PUNCT
fsr-3174	423	4	averse	averse	ADJ
fsr-3174	423	5	households	household	NOUN
fsr-3174	423	6	make	make	VERB
fsr-3174	423	7	risky	risky	ADJ
fsr-3174	423	8	investments	investment	NOUN
fsr-3174	423	9	?	?	PUNCT
fsr-3174	424	1	the	the	DET
fsr-3174	424	2	role	role	NOUN
fsr-3174	424	3	of	of	ADP
fsr-3174	424	4	trust	trust	NOUN
fsr-3174	424	5	in	in	ADP
fsr-3174	424	6	others	other	NOUN
fsr-3174	424	7	.	.	PUNCT
fsr-3174	425	1	scandinavian	scandinavian	ADJ
fsr-3174	425	2	journal	journal	PROPN
fsr-3174	425	3	of	of	ADP
fsr-3174	425	4	economics	economic	NOUN
fsr-3174	425	5	,	,	PUNCT
fsr-3174	425	6	121(1	121(1	NUM
fsr-3174	425	7	)	)	PUNCT
fsr-3174	425	8	,	,	PUNCT
fsr-3174	425	9	326–352	326–352	NUM
fsr-3174	425	10	.	.	PUNCT
fsr-3174	425	11	bucher	bucher	PROPN
fsr-3174	425	12	-	-	PUNCT
fsr-3174	425	13	koenen	koenen	NOUN
fsr-3174	425	14	,	,	PUNCT
fsr-3174	425	15	t.	t.	PROPN
fsr-3174	425	16	,	,	PUNCT
fsr-3174	425	17	&	&	CCONJ
fsr-3174	425	18	knebel	knebel	PROPN
fsr-3174	425	19	,	,	PUNCT
fsr-3174	425	20	c.	c.	NOUN
fsr-3174	425	21	(	(	PUNCT
fsr-3174	425	22	2021	2021	NUM
fsr-3174	425	23	)	)	PUNCT
fsr-3174	425	24	.	.	PUNCT
fsr-3174	426	1	finanzwissen	finanzwissen	PROPN
fsr-3174	426	2	und	und	NOUN
fsr-3174	426	3	finanzbildung	finanzbildung	VERB
fsr-3174	426	4	in	in	ADP
fsr-3174	426	5	deutschland	deutschland	NOUN
fsr-3174	426	6	—	—	PUNCT
fsr-3174	426	7	was	be	AUX
fsr-3174	426	8	wissen	wissen	ADJ
fsr-3174	426	9	wir	wir	PROPN
fsr-3174	426	10	eigentlich	eigentlich	PROPN
fsr-3174	426	11	?	?	PUNCT
fsr-3174	427	1	zew	zew	PROPN
fsr-3174	427	2	discussion	discussion	NOUN
fsr-3174	427	3	paper	paper	NOUN
fsr-3174	427	4	,	,	PUNCT
fsr-3174	427	5	no	no	INTJ
fsr-3174	427	6	.	.	NOUN
fsr-3174	427	7	21	21	NUM
fsr-3174	427	8	-	-	SYM
fsr-3174	427	9	016	016	NUM
fsr-3174	427	10	.	.	PUNCT
fsr-3174	428	1	https://ftp.zew.de/pub/zewdocs/dp/dp21016.pdf	https://ftp.zew.de/pub/zewdocs/dp/dp21016.pdf	PROPN
fsr-3174	428	2	bucher	bucher	PROPN
fsr-3174	428	3	-	-	PUNCT
fsr-3174	428	4	koenen	koenen	NOUN
fsr-3174	428	5	,	,	PUNCT
fsr-3174	428	6	t.	t.	PROPN
fsr-3174	428	7	,	,	PUNCT
fsr-3174	428	8	alessie	alessie	PROPN
fsr-3174	428	9	,	,	PUNCT
fsr-3174	428	10	r.	r.	PROPN
fsr-3174	428	11	,	,	PUNCT
fsr-3174	428	12	lusardi	lusardi	PROPN
fsr-3174	428	13	,	,	PUNCT
fsr-3174	428	14	a.	a.	PROPN
fsr-3174	428	15	,	,	PUNCT
fsr-3174	428	16	&	&	CCONJ
fsr-3174	428	17	van	van	PROPN
fsr-3174	428	18	rooij	rooij	NOUN
fsr-3174	428	19	,	,	PUNCT
fsr-3174	428	20	m.	m.	NOUN
fsr-3174	428	21	(	(	PUNCT
fsr-3174	428	22	2021	2021	NUM
fsr-3174	428	23	)	)	PUNCT
fsr-3174	428	24	.	.	PUNCT
fsr-3174	429	1	fearless	fearless	ADJ
fsr-3174	429	2	woman	woman	NOUN
fsr-3174	429	3	:	:	PUNCT
fsr-3174	429	4	financial	financial	ADJ
fsr-3174	429	5	literacy	literacy	NOUN
fsr-3174	429	6	and	and	CCONJ
fsr-3174	429	7	stock	stock	NOUN
fsr-3174	429	8	market	market	NOUN
fsr-3174	429	9	participation	participation	NOUN
fsr-3174	429	10	.	.	PUNCT
fsr-3174	430	1	zew	zew	NOUN
fsr-3174	430	2	discussion	discussion	NOUN
fsr-3174	430	3	paper	paper	NOUN
fsr-3174	430	4	,	,	PUNCT
fsr-3174	430	5	no	no	INTJ
fsr-3174	430	6	.	.	NOUN
fsr-3174	430	7	21	21	NUM
fsr-3174	430	8	-	-	SYM
fsr-3174	430	9	015	015	NUM
fsr-3174	430	10	.	.	PUNCT
fsr-3174	431	1	https://ftp.zew.de/pub/zewdocs/dp/dp21015.pdf	https://ftp.zew.de/pub/zewdocs/dp/dp21015.pdf	PROPN
fsr-3174	431	2	bucher	bucher	PROPN
fsr-3174	431	3	-	-	PUNCT
fsr-3174	431	4	koenen	koenen	NOUN
fsr-3174	431	5	,	,	PUNCT
fsr-3174	431	6	t.	t.	PROPN
fsr-3174	431	7	,	,	PUNCT
fsr-3174	431	8	lusardi	lusardi	PROPN
fsr-3174	431	9	,	,	PUNCT
fsr-3174	431	10	a.	a.	NOUN
fsr-3174	431	11	,	,	PUNCT
fsr-3174	431	12	alessie	alessie	PROPN
fsr-3174	431	13	,	,	PUNCT
fsr-3174	431	14	r.	r.	PROPN
fsr-3174	431	15	,	,	PUNCT
fsr-3174	431	16	&	&	CCONJ
fsr-3174	431	17	van	van	PROPN
fsr-3174	431	18	rooij	rooij	NOUN
fsr-3174	431	19	,	,	PUNCT
fsr-3174	431	20	m.	m.	NOUN
fsr-3174	431	21	(	(	PUNCT
fsr-3174	431	22	2017	2017	NUM
fsr-3174	431	23	)	)	PUNCT
fsr-3174	431	24	.	.	PUNCT
fsr-3174	432	1	how	how	SCONJ
fsr-3174	432	2	financially	financially	ADV
fsr-3174	432	3	literate	literate	ADJ
fsr-3174	432	4	are	be	AUX
fsr-3174	432	5	women	woman	NOUN
fsr-3174	432	6	?	?	PUNCT
fsr-3174	433	1	an	an	DET
fsr-3174	433	2	overview	overview	NOUN
fsr-3174	433	3	and	and	CCONJ
fsr-3174	433	4	new	new	ADJ
fsr-3174	433	5	insights	insight	NOUN
fsr-3174	433	6	.	.	PUNCT
fsr-3174	434	1	journal	journal	PROPN
fsr-3174	434	2	of	of	ADP
fsr-3174	434	3	consumer	consumer	NOUN
fsr-3174	434	4	affairs	affair	NOUN
fsr-3174	434	5	,	,	PUNCT
fsr-3174	434	6	51(2	51(2	NUM
fsr-3174	434	7	)	)	PUNCT
fsr-3174	434	8	,	,	PUNCT
fsr-3174	434	9	255–283	255–283	NUM
fsr-3174	434	10	.	.	PUNCT
fsr-3174	435	1	byrne	byrne	PROPN
fsr-3174	435	2	,	,	PUNCT
fsr-3174	435	3	b.	b.	PROPN
fsr-3174	435	4	m.	m.	PROPN
fsr-3174	435	5	(	(	PUNCT
fsr-3174	435	6	1989	1989	NUM
fsr-3174	435	7	)	)	PUNCT
fsr-3174	435	8	.	.	PUNCT
fsr-3174	436	1	a	a	DET
fsr-3174	436	2	primer	primer	NOUN
fsr-3174	436	3	of	of	ADP
fsr-3174	436	4	lisrel	lisrel	NOUN
fsr-3174	436	5	:	:	PUNCT
fsr-3174	436	6	basic	basic	ADJ
fsr-3174	436	7	applications	application	NOUN
fsr-3174	436	8	and	and	CCONJ
fsr-3174	436	9	programming	programming	NOUN
fsr-3174	436	10	for	for	ADP
fsr-3174	436	11	confirmatory	confirmatory	ADJ
fsr-3174	436	12	factor	factor	NOUN
fsr-3174	436	13	analytic	analytic	ADJ
fsr-3174	436	14	model	model	NOUN
fsr-3174	436	15	.	.	PUNCT
fsr-3174	437	1	springer	springer	NOUN
fsr-3174	437	2	.	.	PUNCT
fsr-3174	438	1	byrne	byrne	PROPN
fsr-3174	438	2	,	,	PUNCT
fsr-3174	438	3	b.	b.	PROPN
fsr-3174	438	4	m.	m.	PROPN
fsr-3174	438	5	(	(	PUNCT
fsr-3174	438	6	2001	2001	NUM
fsr-3174	438	7	)	)	PUNCT
fsr-3174	438	8	.	.	PUNCT
fsr-3174	439	1	structural	structural	ADJ
fsr-3174	439	2	equation	equation	NOUN
fsr-3174	439	3	modeling	modeling	NOUN
fsr-3174	439	4	with	with	ADP
fsr-3174	439	5	amos	amos	PROPN
fsr-3174	439	6	,	,	PUNCT
fsr-3174	439	7	eqs	eqs	PROPN
fsr-3174	439	8	,	,	PUNCT
fsr-3174	439	9	and	and	CCONJ
fsr-3174	439	10	lisrel	lisrel	NOUN
fsr-3174	439	11	:	:	PUNCT
fsr-3174	439	12	comparative	comparative	ADJ
fsr-3174	439	13	approaches	approach	NOUN
fsr-3174	439	14	to	to	ADP
fsr-3174	439	15	testing	test	VERB
fsr-3174	439	16	for	for	ADP
fsr-3174	439	17	the	the	DET
fsr-3174	439	18	factorial	factorial	ADJ
fsr-3174	439	19	validity	validity	NOUN
fsr-3174	439	20	of	of	ADP
fsr-3174	439	21	a	a	DET
fsr-3174	439	22	measuring	measure	VERB
fsr-3174	439	23	instrument	instrument	NOUN
fsr-3174	439	24	.	.	PUNCT
fsr-3174	440	1	international	international	ADJ
fsr-3174	440	2	journal	journal	PROPN
fsr-3174	440	3	of	of	ADP
fsr-3174	440	4	testing	testing	NOUN
fsr-3174	440	5	,	,	PUNCT
fsr-3174	440	6	1(1	1(1	NUM
fsr-3174	440	7	)	)	PUNCT
fsr-3174	440	8	,	,	PUNCT
fsr-3174	440	9	55–86	55–86	NUM
fsr-3174	440	10	.	.	PUNCT
fsr-3174	441	1	byrne	byrne	PROPN
fsr-3174	441	2	,	,	PUNCT
fsr-3174	441	3	b.	b.	PROPN
fsr-3174	441	4	m.	m.	PROPN
fsr-3174	441	5	(	(	PUNCT
fsr-3174	441	6	2016	2016	NUM
fsr-3174	441	7	)	)	PUNCT
fsr-3174	441	8	.	.	PUNCT
fsr-3174	442	1	structural	structural	ADJ
fsr-3174	442	2	equation	equation	NOUN
fsr-3174	442	3	modeling	modeling	NOUN
fsr-3174	442	4	with	with	ADP
fsr-3174	442	5	amos	amos	PROPN
fsr-3174	442	6	:	:	PUNCT
fsr-3174	442	7	basic	basic	ADJ
fsr-3174	442	8	concepts	concept	NOUN
fsr-3174	442	9	,	,	PUNCT
fsr-3174	442	10	applications	application	NOUN
fsr-3174	442	11	,	,	PUNCT
fsr-3174	442	12	and	and	CCONJ
fsr-3174	442	13	programming	programming	NOUN
fsr-3174	442	14	(	(	PUNCT
fsr-3174	442	15	3rd	3rd	ADJ
fsr-3174	442	16	ed	ed	NOUN
fsr-3174	442	17	)	)	PUNCT
fsr-3174	442	18	.	.	PUNCT
fsr-3174	443	1	taylor	taylor	PROPN
fsr-3174	443	2	and	and	CCONJ
fsr-3174	443	3	francis	francis	PROPN
fsr-3174	443	4	.	.	PROPN
fsr-3174	443	5	calvet	calvet	PROPN
fsr-3174	443	6	,	,	PUNCT
fsr-3174	443	7	l.	l.	PROPN
fsr-3174	443	8	,	,	PUNCT
fsr-3174	443	9	&	&	CCONJ
fsr-3174	443	10	sodini	sodini	PROPN
fsr-3174	443	11	,	,	PUNCT
fsr-3174	443	12	p.	p.	NOUN
fsr-3174	443	13	(	(	PUNCT
fsr-3174	443	14	2014	2014	NUM
fsr-3174	443	15	)	)	PUNCT
fsr-3174	443	16	.	.	PUNCT
fsr-3174	444	1	twin	twin	PROPN
fsr-3174	444	2	picks	pick	NOUN
fsr-3174	444	3	:	:	PUNCT
fsr-3174	444	4	disentangling	disentangle	VERB
fsr-3174	444	5	the	the	DET
fsr-3174	444	6	determinants	determinant	NOUN
fsr-3174	444	7	of	of	ADP
fsr-3174	444	8	risktaking	risktake	VERB
fsr-3174	444	9	in	in	ADP
fsr-3174	444	10	household	household	NOUN
fsr-3174	444	11	portfolios	portfolio	NOUN
fsr-3174	444	12	.	.	PUNCT
fsr-3174	445	1	journal	journal	NOUN
fsr-3174	445	2	of	of	ADP
fsr-3174	445	3	finance	finance	NOUN
fsr-3174	445	4	,	,	PUNCT
fsr-3174	445	5	69(2	69(2	NOUN
fsr-3174	445	6	)	)	PUNCT
fsr-3174	445	7	,	,	PUNCT
fsr-3174	445	8	867–906	867–906	NUM
fsr-3174	445	9	.	.	PUNCT
fsr-3174	446	1	calvet	calvet	PROPN
fsr-3174	446	2	,	,	PUNCT
fsr-3174	446	3	l.	l.	PROPN
fsr-3174	446	4	,	,	PUNCT
fsr-3174	446	5	campbell	campbell	PROPN
fsr-3174	446	6	,	,	PUNCT
fsr-3174	446	7	j.	j.	PROPN
fsr-3174	446	8	,	,	PUNCT
fsr-3174	446	9	gomes	gomes	PROPN
fsr-3174	446	10	,	,	PUNCT
fsr-3174	446	11	f.	f.	PROPN
fsr-3174	446	12	,	,	PUNCT
fsr-3174	446	13	&	&	CCONJ
fsr-3174	446	14	sodini	sodini	PROPN
fsr-3174	446	15	,	,	PUNCT
fsr-3174	446	16	p.	p.	NOUN
fsr-3174	446	17	(	(	PUNCT
fsr-3174	446	18	2021	2021	NUM
fsr-3174	446	19	)	)	PUNCT
fsr-3174	446	20	.	.	PUNCT
fsr-3174	447	1	the	the	DET
fsr-3174	447	2	cross	cross	NOUN
fsr-3174	447	3	-	-	NOUN
fsr-3174	447	4	section	section	NOUN
fsr-3174	447	5	of	of	ADP
fsr-3174	447	6	household	household	NOUN
fsr-3174	447	7	preferences	preference	NOUN
fsr-3174	447	8	.	.	PUNCT
fsr-3174	448	1	cepr	cepr	ADJ
fsr-3174	448	2	discussion	discussion	NOUN
fsr-3174	448	3	paper	paper	NOUN
fsr-3174	448	4	dp16105	dp16105	PROPN
fsr-3174	448	5	.	.	PUNCT
fsr-3174	449	1	https://cepr.org/publications/dp16105	https://cepr.org/publications/dp16105	PROPN
fsr-3174	449	2	calvet	calvet	NOUN
fsr-3174	449	3	,	,	PUNCT
fsr-3174	449	4	l.	l.	PROPN
fsr-3174	449	5	,	,	PUNCT
fsr-3174	449	6	campbell	campbell	PROPN
fsr-3174	449	7	,	,	PUNCT
fsr-3174	449	8	j.	j.	PROPN
fsr-3174	449	9	,	,	PUNCT
fsr-3174	449	10	&	&	CCONJ
fsr-3174	449	11	sodini	sodini	PROPN
fsr-3174	449	12	,	,	PUNCT
fsr-3174	449	13	p.	p.	NOUN
fsr-3174	449	14	(	(	PUNCT
fsr-3174	449	15	2007	2007	NUM
fsr-3174	449	16	)	)	PUNCT
fsr-3174	449	17	.	.	PUNCT
fsr-3174	450	1	down	down	ADV
fsr-3174	450	2	or	or	CCONJ
fsr-3174	450	3	out	out	ADV
fsr-3174	450	4	:	:	PUNCT
fsr-3174	450	5	assessing	assess	VERB
fsr-3174	450	6	the	the	DET
fsr-3174	450	7	welfare	welfare	NOUN
fsr-3174	450	8	costs	cost	NOUN
fsr-3174	450	9	of	of	ADP
fsr-3174	450	10	household	household	NOUN
fsr-3174	450	11	investment	investment	NOUN
fsr-3174	450	12	mistakes	mistake	NOUN
fsr-3174	450	13	.	.	PUNCT
fsr-3174	451	1	journal	journal	NOUN
fsr-3174	451	2	of	of	ADP
fsr-3174	451	3	political	political	ADJ
fsr-3174	451	4	economy	economy	NOUN
fsr-3174	451	5	,	,	PUNCT
fsr-3174	451	6	115(5	115(5	NUM
fsr-3174	451	7	)	)	PUNCT
fsr-3174	451	8	,	,	PUNCT
fsr-3174	451	9	707–747	707–747	NUM
fsr-3174	451	10	.	.	PUNCT
fsr-3174	452	1	calvet	calvet	PROPN
fsr-3174	452	2	,	,	PUNCT
fsr-3174	452	3	l.	l.	PROPN
fsr-3174	452	4	,	,	PUNCT
fsr-3174	452	5	campbell	campbell	PROPN
fsr-3174	452	6	,	,	PUNCT
fsr-3174	452	7	j.	j.	PROPN
fsr-3174	452	8	,	,	PUNCT
fsr-3174	452	9	&	&	CCONJ
fsr-3174	452	10	sodini	sodini	PROPN
fsr-3174	452	11	,	,	PUNCT
fsr-3174	452	12	p.	p.	NOUN
fsr-3174	452	13	(	(	PUNCT
fsr-3174	452	14	2009	2009	NUM
fsr-3174	452	15	)	)	PUNCT
fsr-3174	452	16	.	.	PUNCT
fsr-3174	453	1	measuring	measure	VERB
fsr-3174	453	2	the	the	DET
fsr-3174	453	3	financial	financial	ADJ
fsr-3174	453	4	sophistication	sophistication	NOUN
fsr-3174	453	5	of	of	ADP
fsr-3174	453	6	households	household	NOUN
fsr-3174	453	7	.	.	PUNCT
fsr-3174	454	1	american	american	PROPN
fsr-3174	454	2	economic	economic	PROPN
fsr-3174	454	3	review	review	PROPN
fsr-3174	454	4	,	,	PUNCT
fsr-3174	454	5	99(2	99(2	PROPN
fsr-3174	454	6	)	)	PUNCT
fsr-3174	454	7	,	,	PUNCT
fsr-3174	454	8	393–398	393–398	NUM
fsr-3174	454	9	.	.	PUNCT
fsr-3174	455	1	campbell	campbell	PROPN
fsr-3174	455	2	,	,	PUNCT
fsr-3174	455	3	j.	j.	PROPN
fsr-3174	455	4	(	(	PUNCT
fsr-3174	455	5	2006	2006	NUM
fsr-3174	455	6	)	)	PUNCT
fsr-3174	455	7	.	.	PUNCT
fsr-3174	456	1	household	household	NOUN
fsr-3174	456	2	finance	finance	NOUN
fsr-3174	456	3	.	.	PUNCT
fsr-3174	457	1	journal	journal	PROPN
fsr-3174	457	2	of	of	ADP
fsr-3174	457	3	finance	finance	NOUN
fsr-3174	457	4	,	,	PUNCT
fsr-3174	457	5	61(4	61(4	NUM
fsr-3174	457	6	)	)	PUNCT
fsr-3174	457	7	,	,	PUNCT
fsr-3174	457	8	1553–1604	1553–1604	NUM
fsr-3174	457	9	.	.	PUNCT
fsr-3174	458	1	chatterjee	chatterjee	PROPN
fsr-3174	458	2	,	,	PUNCT
fsr-3174	458	3	s.	s.	PROPN
fsr-3174	458	4	,	,	PUNCT
fsr-3174	458	5	fan	fan	PROPN
fsr-3174	458	6	,	,	PUNCT
fsr-3174	458	7	l.	l.	PROPN
fsr-3174	458	8	,	,	PUNCT
fsr-3174	458	9	jacobs	jacobs	PROPN
fsr-3174	458	10	,	,	PUNCT
fsr-3174	458	11	b.	b.	PROPN
fsr-3174	458	12	,	,	PUNCT
fsr-3174	458	13	&	&	CCONJ
fsr-3174	458	14	haas	haas	PROPN
fsr-3174	458	15	,	,	PUNCT
fsr-3174	458	16	r.	r.	PROPN
fsr-3174	458	17	(	(	PUNCT
fsr-3174	458	18	2017	2017	NUM
fsr-3174	458	19	)	)	PUNCT
fsr-3174	458	20	.	.	PUNCT
fsr-3174	459	1	risk	risk	NOUN
fsr-3174	459	2	tolerance	tolerance	NOUN
fsr-3174	459	3	and	and	CCONJ
fsr-3174	459	4	goals	goal	NOUN
fsr-3174	459	5	-	-	PUNCT
fsr-3174	459	6	based	base	VERB
fsr-3174	459	7	savings	saving	NOUN
fsr-3174	459	8	behavior	behavior	NOUN
fsr-3174	459	9	of	of	ADP
fsr-3174	459	10	households	household	NOUN
fsr-3174	459	11	:	:	PUNCT
fsr-3174	459	12	the	the	DET
fsr-3174	459	13	role	role	NOUN
fsr-3174	459	14	of	of	ADP
fsr-3174	459	15	financial	financial	ADJ
fsr-3174	459	16	literacy	literacy	NOUN
fsr-3174	459	17	.	.	PUNCT
fsr-3174	460	1	working	work	VERB
fsr-3174	460	2	financial	financial	ADJ
fsr-3174	460	3	services	service	NOUN
fsr-3174	460	4	review	review	NOUN
fsr-3174	460	5	,	,	PUNCT
fsr-3174	460	6	31(4	31(4	NUM
fsr-3174	460	7	)	)	PUNCT
fsr-3174	460	8	302	302	NUM
fsr-3174	460	9	paper	paper	NOUN
fsr-3174	460	10	.	.	PUNCT
fsr-3174	461	1	https://papers.ssrn.com/sol3/papers.cfm	https://papers.ssrn.com/sol3/papers.cfm	PROPN
fsr-3174	461	2	?	?	PUNCT
fsr-3174	462	1	abstract_id=2918014	abstract_id=2918014	PROPN
fsr-3174	462	2	chaulk	chaulk	PROPN
fsr-3174	462	3	,	,	PUNCT
fsr-3174	462	4	b.	b.	PROPN
fsr-3174	462	5	,	,	PUNCT
fsr-3174	462	6	johnson	johnson	PROPN
fsr-3174	462	7	,	,	PUNCT
fsr-3174	462	8	p.	p.	PROPN
fsr-3174	462	9	j.	j.	PROPN
fsr-3174	462	10	,	,	PUNCT
fsr-3174	462	11	&	&	CCONJ
fsr-3174	462	12	bulcroft	bulcroft	PROPN
fsr-3174	462	13	,	,	PUNCT
fsr-3174	462	14	r.	r.	PROPN
fsr-3174	462	15	(	(	PUNCT
fsr-3174	462	16	2003	2003	NUM
fsr-3174	462	17	)	)	PUNCT
fsr-3174	462	18	.	.	PUNCT
fsr-3174	463	1	effects	effect	NOUN
fsr-3174	463	2	of	of	ADP
fsr-3174	463	3	marriage	marriage	NOUN
fsr-3174	463	4	and	and	CCONJ
fsr-3174	463	5	children	child	NOUN
fsr-3174	463	6	on	on	ADP
fsr-3174	463	7	financial	financial	ADJ
fsr-3174	463	8	risk	risk	NOUN
fsr-3174	463	9	tolerance	tolerance	NOUN
fsr-3174	463	10	:	:	PUNCT
fsr-3174	463	11	a	a	DET
fsr-3174	463	12	synthesis	synthesis	NOUN
fsr-3174	463	13	of	of	ADP
fsr-3174	463	14	family	family	NOUN
fsr-3174	463	15	development	development	NOUN
fsr-3174	463	16	and	and	CCONJ
fsr-3174	463	17	prospect	prospect	NOUN
fsr-3174	463	18	theory	theory	NOUN
fsr-3174	463	19	.	.	PUNCT
fsr-3174	464	1	journal	journal	PROPN
fsr-3174	464	2	of	of	ADP
fsr-3174	464	3	family	family	NOUN
fsr-3174	464	4	and	and	CCONJ
fsr-3174	464	5	economic	economic	ADJ
fsr-3174	464	6	issues	issue	NOUN
fsr-3174	464	7	,	,	PUNCT
fsr-3174	464	8	24(3	24(3	NUM
fsr-3174	464	9	)	)	PUNCT
fsr-3174	464	10	,	,	PUNCT
fsr-3174	464	11	257–279	257–279	NUM
fsr-3174	464	12	.	.	PUNCT
fsr-3174	465	1	chien	chien	PROPN
fsr-3174	465	2	,	,	PUNCT
fsr-3174	465	3	y.	y.	PROPN
fsr-3174	465	4	,	,	PUNCT
fsr-3174	465	5	&	&	CCONJ
fsr-3174	465	6	morris	morris	PROPN
fsr-3174	465	7	,	,	PUNCT
fsr-3174	465	8	p.	p.	NOUN
fsr-3174	465	9	(	(	PUNCT
fsr-3174	465	10	2017	2017	NUM
fsr-3174	465	11	)	)	PUNCT
fsr-3174	465	12	,	,	PUNCT
fsr-3174	465	13	household	household	NOUN
fsr-3174	465	14	participation	participation	NOUN
fsr-3174	465	15	in	in	ADP
fsr-3174	465	16	stock	stock	NOUN
fsr-3174	465	17	market	market	NOUN
fsr-3174	465	18	varies	vary	VERB
fsr-3174	465	19	widely	widely	ADV
fsr-3174	465	20	by	by	ADP
fsr-3174	465	21	state	state	NOUN
fsr-3174	465	22	.	.	PUNCT
fsr-3174	466	1	federal	federal	PROPN
fsr-3174	466	2	reserve	reserve	PROPN
fsr-3174	466	3	bank	bank	PROPN
fsr-3174	466	4	of	of	ADP
fsr-3174	466	5	st	st	PROPN
fsr-3174	466	6	.	.	PROPN
fsr-3174	466	7	louis	louis	PROPN
fsr-3174	466	8	report	report	NOUN
fsr-3174	466	9	.	.	PUNCT
fsr-3174	467	1	https://www.stlouisfed.org/publications/	https://www.stlouisfed.org/publications/	PROPN
fsr-3174	467	2	regional	regional	ADJ
fsr-3174	467	3	-	-	PUNCT
fsr-3174	467	4	economist	economist	NOUN
fsr-3174	467	5	/	/	SYM
fsr-3174	467	6	third	third	ADJ
fsr-3174	467	7	-	-	PUNCT
fsr-3174	467	8	quarter2017	quarter2017	NOUN
fsr-3174	467	9	/	/	SYM
fsr-3174	467	10	household	household	NOUN
fsr-3174	467	11	-	-	PUNCT
fsr-3174	467	12	participation	participation	NOUN
fsr-3174	467	13	-	-	PUNCT
fsr-3174	467	14	in	in	ADP
fsr-3174	467	15	-	-	PUNCT
fsr-3174	467	16	stockmarket	stockmarket	NOUN
fsr-3174	467	17	-	-	PUNCT
fsr-3174	467	18	varies	varie	NOUN
fsr-3174	467	19	-	-	PUNCT
fsr-3174	467	20	widely	widely	ADV
fsr-3174	467	21	-	-	PUNCT
fsr-3174	467	22	by	by	ADP
fsr-3174	467	23	-	-	PUNCT
fsr-3174	467	24	state	state	NOUN
fsr-3174	467	25	chin	chin	NOUN
fsr-3174	467	26	,	,	PUNCT
fsr-3174	467	27	w.	w.	PROPN
fsr-3174	467	28	w.	w.	PROPN
fsr-3174	467	29	(	(	PUNCT
fsr-3174	467	30	1998	1998	NUM
fsr-3174	467	31	)	)	PUNCT
fsr-3174	467	32	.	.	PUNCT
fsr-3174	468	1	the	the	DET
fsr-3174	468	2	partial	partial	ADJ
fsr-3174	468	3	least	least	ADJ
fsr-3174	468	4	squares	square	NOUN
fsr-3174	468	5	approach	approach	VERB
fsr-3174	468	6	for	for	ADP
fsr-3174	468	7	structural	structural	ADJ
fsr-3174	468	8	equation	equation	NOUN
fsr-3174	468	9	modeling	modeling	NOUN
fsr-3174	468	10	in	in	ADP
fsr-3174	468	11	g.	g.	PROPN
fsr-3174	468	12	a.	a.	PROPN
fsr-3174	468	13	marcoulides	marcoulide	VERB
fsr-3174	468	14	(	(	PUNCT
fsr-3174	468	15	ed	ed	NOUN
fsr-3174	468	16	.	.	PUNCT
fsr-3174	468	17	)	)	PUNCT
fsr-3174	468	18	,	,	PUNCT
fsr-3174	468	19	modern	modern	ADJ
fsr-3174	468	20	methods	method	NOUN
fsr-3174	468	21	for	for	ADP
fsr-3174	468	22	business	business	NOUN
fsr-3174	468	23	research	research	NOUN
fsr-3174	468	24	.	.	PUNCT
fsr-3174	469	1	lawrence	lawrence	PROPN
fsr-3174	469	2	erlbaum	erlbaum	PROPN
fsr-3174	469	3	associates	associates	PROPN
fsr-3174	469	4	.	.	PUNCT
fsr-3174	470	1	choi	choi	PROPN
fsr-3174	470	2	,	,	PUNCT
fsr-3174	470	3	j.	j.	PROPN
fsr-3174	470	4	j.	j.	PROPN
fsr-3174	470	5	,	,	PUNCT
fsr-3174	470	6	laibson	laibson	PROPN
fsr-3174	470	7	,	,	PUNCT
fsr-3174	470	8	d.	d.	PROPN
fsr-3174	470	9	,	,	PUNCT
fsr-3174	470	10	madrian	madrian	PROPN
fsr-3174	470	11	,	,	PUNCT
fsr-3174	470	12	b.	b.	PROPN
fsr-3174	470	13	,	,	PUNCT
fsr-3174	470	14	&	&	CCONJ
fsr-3174	470	15	metrick	metrick	ADJ
fsr-3174	470	16	,	,	PUNCT
fsr-3174	470	17	a.	a.	NOUN
fsr-3174	470	18	(	(	PUNCT
fsr-3174	470	19	2009	2009	NUM
fsr-3174	470	20	)	)	PUNCT
fsr-3174	470	21	.	.	PUNCT
fsr-3174	471	1	reinforcement	reinforcement	NOUN
fsr-3174	471	2	learning	learning	NOUN
fsr-3174	471	3	and	and	CCONJ
fsr-3174	471	4	savings	saving	NOUN
fsr-3174	471	5	behavior	behavior	NOUN
fsr-3174	471	6	.	.	PUNCT
fsr-3174	472	1	journal	journal	PROPN
fsr-3174	472	2	of	of	ADP
fsr-3174	472	3	finance	finance	NOUN
fsr-3174	472	4	,	,	PUNCT
fsr-3174	472	5	64(6	64(6	NUM
fsr-3174	472	6	)	)	PUNCT
fsr-3174	472	7	,	,	PUNCT
fsr-3174	472	8	2515–2534	2515–2534	NUM
fsr-3174	472	9	.	.	PUNCT
fsr-3174	473	1	cocco	cocco	PROPN
fsr-3174	473	2	,	,	PUNCT
fsr-3174	473	3	j.	j.	PROPN
fsr-3174	473	4	f.	f.	PROPN
fsr-3174	473	5	,	,	PUNCT
fsr-3174	473	6	gomes	gomes	PROPN
fsr-3174	473	7	,	,	PUNCT
fsr-3174	473	8	f.	f.	PROPN
fsr-3174	473	9	j.	j.	PROPN
fsr-3174	473	10	,	,	PUNCT
fsr-3174	473	11	&	&	CCONJ
fsr-3174	473	12	maenhout	maenhout	PROPN
fsr-3174	473	13	,	,	PUNCT
fsr-3174	473	14	p.	p.	PROPN
fsr-3174	473	15	j.	j.	PROPN
fsr-3174	473	16	(	(	PUNCT
fsr-3174	473	17	2005	2005	NUM
fsr-3174	473	18	)	)	PUNCT
fsr-3174	473	19	.	.	PUNCT
fsr-3174	474	1	consumption	consumption	NOUN
fsr-3174	474	2	and	and	CCONJ
fsr-3174	474	3	portfolio	portfolio	NOUN
fsr-3174	474	4	choice	choice	NOUN
fsr-3174	474	5	over	over	ADP
fsr-3174	474	6	the	the	DET
fsr-3174	474	7	life	life	NOUN
fsr-3174	474	8	cycle	cycle	NOUN
fsr-3174	474	9	.	.	PUNCT
fsr-3174	475	1	review	review	NOUN
fsr-3174	475	2	of	of	ADP
fsr-3174	475	3	financial	financial	ADJ
fsr-3174	475	4	studies	study	NOUN
fsr-3174	475	5	,	,	PUNCT
fsr-3174	475	6	18(2	18(2	NUM
fsr-3174	475	7	)	)	PUNCT
fsr-3174	475	8	,	,	PUNCT
fsr-3174	475	9	491–533	491–533	NUM
fsr-3174	475	10	.	.	PUNCT
fsr-3174	476	1	cohn	cohn	PROPN
fsr-3174	476	2	,	,	PUNCT
fsr-3174	476	3	r.	r.	PROPN
fsr-3174	476	4	a.	a.	PROPN
fsr-3174	476	5	,	,	PUNCT
fsr-3174	476	6	lewellen	lewellen	PROPN
fsr-3174	476	7	,	,	PUNCT
fsr-3174	476	8	w.	w.	PROPN
fsr-3174	476	9	g.	g.	PROPN
fsr-3174	476	10	,	,	PUNCT
fsr-3174	476	11	lease	lease	PROPN
fsr-3174	476	12	,	,	PUNCT
fsr-3174	476	13	r.	r.	PROPN
fsr-3174	476	14	c.	c.	PROPN
fsr-3174	476	15	,	,	PUNCT
fsr-3174	476	16	&	&	CCONJ
fsr-3174	476	17	schlarbaum	schlarbaum	PROPN
fsr-3174	476	18	,	,	PUNCT
fsr-3174	476	19	g.	g.	PROPN
fsr-3174	476	20	g.	g.	PROPN
fsr-3174	476	21	(	(	PUNCT
fsr-3174	476	22	1975	1975	NUM
fsr-3174	476	23	)	)	PUNCT
fsr-3174	476	24	.	.	PUNCT
fsr-3174	477	1	individual	individual	ADJ
fsr-3174	477	2	investor	investor	NOUN
fsr-3174	477	3	risk	risk	NOUN
fsr-3174	477	4	aversion	aversion	NOUN
fsr-3174	477	5	and	and	CCONJ
fsr-3174	477	6	investment	investment	NOUN
fsr-3174	477	7	portfolio	portfolio	NOUN
fsr-3174	477	8	composition	composition	NOUN
fsr-3174	477	9	.	.	PUNCT
fsr-3174	478	1	journal	journal	PROPN
fsr-3174	478	2	of	of	ADP
fsr-3174	478	3	finance	finance	NOUN
fsr-3174	478	4	,	,	PUNCT
fsr-3174	478	5	30(2	30(2	NUM
fsr-3174	478	6	)	)	PUNCT
fsr-3174	478	7	,	,	PUNCT
fsr-3174	478	8	605	605	NUM
fsr-3174	478	9	-	-	SYM
fsr-3174	478	10	620	620	NUM
fsr-3174	478	11	croson	croson	NOUN
fsr-3174	478	12	,	,	PUNCT
fsr-3174	478	13	r.	r.	PROPN
fsr-3174	478	14	,	,	PUNCT
fsr-3174	478	15	&	&	CCONJ
fsr-3174	478	16	gneezy	gneezy	PROPN
fsr-3174	478	17	,	,	PUNCT
fsr-3174	478	18	u.	u.	PROPN
fsr-3174	478	19	(	(	PUNCT
fsr-3174	478	20	2009	2009	NUM
fsr-3174	478	21	)	)	PUNCT
fsr-3174	478	22	.	.	PUNCT
fsr-3174	479	1	gender	gender	NOUN
fsr-3174	479	2	differences	difference	NOUN
fsr-3174	479	3	in	in	ADP
fsr-3174	479	4	preferences	preference	NOUN
fsr-3174	479	5	.	.	PUNCT
fsr-3174	480	1	journal	journal	NOUN
fsr-3174	480	2	of	of	ADP
fsr-3174	480	3	economic	economic	ADJ
fsr-3174	480	4	literature	literature	PROPN
fsr-3174	480	5	,	,	PUNCT
fsr-3174	480	6	47(2	47(2	PROPN
fsr-3174	480	7	)	)	PUNCT
fsr-3174	480	8	,	,	PUNCT
fsr-3174	480	9	448	448	NUM
fsr-3174	480	10	-	-	SYM
fsr-3174	480	11	474	474	NUM
fsr-3174	480	12	d’acunto	d’acunto	NOUN
fsr-3174	480	13	,	,	PUNCT
fsr-3174	480	14	f.	f.	PROPN
fsr-3174	480	15	,	,	PUNCT
fsr-3174	480	16	&	&	CCONJ
fsr-3174	480	17	rossi	rossi	PROPN
fsr-3174	480	18	,	,	PUNCT
fsr-3174	480	19	a.	a.	NOUN
fsr-3174	480	20	(	(	PUNCT
fsr-3174	480	21	2020	2020	NUM
fsr-3174	480	22	)	)	PUNCT
fsr-3174	480	23	.	.	PUNCT
fsr-3174	481	1	roboadvising	roboadvise	VERB
fsr-3174	481	2	.	.	PUNCT
fsr-3174	482	1	cesifo	cesifo	PROPN
fsr-3174	482	2	working	work	VERB
fsr-3174	482	3	paper	paper	NOUN
fsr-3174	482	4	no	no	INTJ
fsr-3174	482	5	.	.	PROPN
fsr-3174	482	6	8225	8225	NUM
fsr-3174	482	7	.	.	PUNCT
fsr-3174	483	1	https://www.cesifo.org/en/publications/2	https://www.cesifo.org/en/publications/2	PROPN
fsr-3174	483	2	020	020	NUM
fsr-3174	483	3	/	/	SYM
fsr-3174	483	4	working	work	VERB
fsr-3174	483	5	-	-	PUNCT
fsr-3174	483	6	paper	paper	NOUN
fsr-3174	483	7	/	/	SYM
fsr-3174	483	8	robo	robo	NOUN
fsr-3174	483	9	-	-	PUNCT
fsr-3174	483	10	advising	advise	VERB
fsr-3174	483	11	de	de	PROPN
fsr-3174	483	12	,	,	PUNCT
fsr-3174	483	13	s.	s.	PROPN
fsr-3174	483	14	,	,	PUNCT
fsr-3174	483	15	gondhi	gondhi	VERB
fsr-3174	483	16	,	,	PUNCT
fsr-3174	483	17	n.	n.	PROPN
fsr-3174	483	18	r.	r.	PROPN
fsr-3174	483	19	,	,	PUNCT
fsr-3174	483	20	&	&	CCONJ
fsr-3174	483	21	pochiraju	pochiraju	PROPN
fsr-3174	483	22	,	,	PUNCT
fsr-3174	483	23	b.	b.	PROPN
fsr-3174	483	24	(	(	PUNCT
fsr-3174	483	25	2010	2010	NUM
fsr-3174	483	26	)	)	PUNCT
fsr-3174	483	27	.	.	PUNCT
fsr-3174	484	1	does	do	AUX
fsr-3174	484	2	sign	sign	VERB
fsr-3174	484	3	matter	matter	VERB
fsr-3174	484	4	more	more	ADV
fsr-3174	484	5	than	than	ADP
fsr-3174	484	6	size	size	NOUN
fsr-3174	484	7	?	?	PUNCT
fsr-3174	485	1	an	an	DET
fsr-3174	485	2	investigation	investigation	NOUN
fsr-3174	485	3	into	into	ADP
fsr-3174	485	4	the	the	DET
fsr-3174	485	5	source	source	NOUN
fsr-3174	485	6	of	of	ADP
fsr-3174	485	7	investor	investor	NOUN
fsr-3174	485	8	overconfidence	overconfidence	NOUN
fsr-3174	485	9	.	.	PUNCT
fsr-3174	486	1	indian	indian	ADJ
fsr-3174	486	2	school	school	PROPN
fsr-3174	486	3	of	of	ADP
fsr-3174	486	4	business	business	NOUN
fsr-3174	486	5	working	working	NOUN
fsr-3174	486	6	paper	paper	NOUN
fsr-3174	486	7	.	.	PUNCT
fsr-3174	487	1	https://papers.ssrn.com/sol3/papers.cfm	https://papers.ssrn.com/sol3/papers.cfm	PROPN
fsr-3174	487	2	?	?	PUNCT
fsr-3174	487	3	abstract_id=1657926	abstract_id=1657926	PROPN
fsr-3174	487	4	deepak	deepak	PROPN
fsr-3174	487	5	,	,	PUNCT
fsr-3174	487	6	c.	c.	PROPN
fsr-3174	487	7	a.	a.	PROPN
fsr-3174	487	8	,	,	PUNCT
fsr-3174	487	9	singh	singh	PROPN
fsr-3174	487	10	,	,	PUNCT
fsr-3174	487	11	p.	p.	PROPN
fsr-3174	487	12	,	,	PUNCT
fsr-3174	487	13	&	&	CCONJ
fsr-3174	487	14	kumar	kumar	PROPN
fsr-3174	487	15	,	,	PUNCT
fsr-3174	487	16	a.	a.	PROPN
fsr-3174	487	17	(	(	PUNCT
fsr-3174	487	18	2015	2015	NUM
fsr-3174	487	19	)	)	PUNCT
fsr-3174	487	20	.	.	PUNCT
fsr-3174	488	1	financial	financial	ADJ
fsr-3174	488	2	literacy	literacy	NOUN
fsr-3174	488	3	among	among	ADP
fsr-3174	488	4	investors	investor	NOUN
fsr-3174	488	5	:	:	PUNCT
fsr-3174	488	6	theory	theory	NOUN
fsr-3174	488	7	and	and	CCONJ
fsr-3174	488	8	critical	critical	ADJ
fsr-3174	488	9	review	review	NOUN
fsr-3174	488	10	of	of	ADP
fsr-3174	488	11	literature	literature	NOUN
fsr-3174	488	12	.	.	PUNCT
fsr-3174	489	1	international	international	ADJ
fsr-3174	489	2	journal	journal	PROPN
fsr-3174	489	3	of	of	ADP
fsr-3174	489	4	research	research	NOUN
fsr-3174	489	5	in	in	ADP
fsr-3174	489	6	commerce	commerce	PROPN
fsr-3174	489	7	,	,	PUNCT
fsr-3174	489	8	economics	economic	NOUN
fsr-3174	489	9	,	,	PUNCT
fsr-3174	489	10	and	and	CCONJ
fsr-3174	489	11	management	management	NOUN
fsr-3174	489	12	,	,	PUNCT
fsr-3174	489	13	5(4	5(4	NUM
fsr-3174	489	14	)	)	PUNCT
fsr-3174	489	15	,	,	PUNCT
fsr-3174	489	16	99–103	99–103	NUM
fsr-3174	489	17	.	.	PUNCT
fsr-3174	489	18	dixon	dixon	PROPN
fsr-3174	489	19	,	,	PUNCT
fsr-3174	489	20	m.	m.	NOUN
fsr-3174	489	21	(	(	PUNCT
fsr-3174	489	22	2006	2006	NUM
fsr-3174	489	23	)	)	PUNCT
fsr-3174	489	24	.	.	PUNCT
fsr-3174	490	1	rethinking	rethink	VERB
fsr-3174	490	2	financial	financial	ADJ
fsr-3174	490	3	capability	capability	NOUN
fsr-3174	490	4	:	:	PUNCT
fsr-3174	490	5	lessons	lesson	NOUN
fsr-3174	490	6	from	from	ADP
fsr-3174	490	7	economic	economic	ADJ
fsr-3174	490	8	psychology	psychology	NOUN
fsr-3174	490	9	and	and	CCONJ
fsr-3174	490	10	behavioural	behavioural	ADJ
fsr-3174	490	11	finance	finance	NOUN
fsr-3174	490	12	.	.	PUNCT
fsr-3174	491	1	institute	institute	PROPN
fsr-3174	491	2	for	for	ADP
fsr-3174	491	3	public	public	ADJ
fsr-3174	491	4	pension	pension	NOUN
fsr-3174	491	5	policy	policy	NOUN
fsr-3174	491	6	research	research	NOUN
fsr-3174	491	7	.	.	PUNCT
fsr-3174	492	1	york	york	PROPN
fsr-3174	492	2	.	.	PUNCT
fsr-3174	493	1	https://www.ippr.org/publications/rethin	https://www.ippr.org/publications/rethin	PROPN
fsr-3174	493	2	king	king	NOUN
fsr-3174	493	3	-	-	PUNCT
fsr-3174	493	4	financial	financial	ADJ
fsr-3174	493	5	-	-	PUNCT
fsr-3174	493	6	capabilitylessons	capabilitylesson	NOUN
fsr-3174	493	7	-	-	PUNCT
fsr-3174	493	8	fromeconomic	fromeconomic	ADJ
fsr-3174	493	9	-	-	PUNCT
fsr-3174	493	10	psychology	psychology	NOUN
fsr-3174	493	11	-	-	PUNCT
fsr-3174	493	12	and	and	CCONJ
fsr-3174	493	13	-	-	PUNCT
fsr-3174	493	14	behaviouralfinance	behaviouralfinance	NOUN
fsr-3174	493	15	dohmen	dohman	NOUN
fsr-3174	493	16	,	,	PUNCT
fsr-3174	493	17	t.	t.	PROPN
fsr-3174	493	18	,	,	PUNCT
fsr-3174	493	19	falk	falk	NOUN
fsr-3174	493	20	,	,	PUNCT
fsr-3174	493	21	a.	a.	PROPN
fsr-3174	493	22	,	,	PUNCT
fsr-3174	493	23	golsteyn	golsteyn	PROPN
fsr-3174	493	24	,	,	PUNCT
fsr-3174	493	25	b.	b.	PROPN
fsr-3174	493	26	,	,	PUNCT
fsr-3174	493	27	huffman	huffman	PROPN
fsr-3174	493	28	,	,	PUNCT
fsr-3174	493	29	d.	d.	PROPN
fsr-3174	493	30	,	,	PUNCT
fsr-3174	493	31	&	&	CCONJ
fsr-3174	493	32	sunde	sunde	PROPN
fsr-3174	493	33	,	,	PUNCT
fsr-3174	493	34	u.	u.	PROPN
fsr-3174	493	35	(	(	PUNCT
fsr-3174	493	36	2017	2017	NUM
fsr-3174	493	37	)	)	PUNCT
fsr-3174	493	38	.	.	PUNCT
fsr-3174	494	1	risk	risk	NOUN
fsr-3174	494	2	attitudes	attitude	NOUN
fsr-3174	494	3	across	across	ADP
fsr-3174	494	4	the	the	DET
fsr-3174	494	5	life	life	NOUN
fsr-3174	494	6	course	course	NOUN
fsr-3174	494	7	.	.	PUNCT
fsr-3174	495	1	economic	economic	ADJ
fsr-3174	495	2	journal	journal	NOUN
fsr-3174	495	3	,	,	PUNCT
fsr-3174	495	4	127(605	127(605	NUM
fsr-3174	495	5	)	)	PUNCT
fsr-3174	495	6	,	,	PUNCT
fsr-3174	495	7	95	95	NUM
fsr-3174	495	8	-	-	SYM
fsr-3174	495	9	116	116	NUM
fsr-3174	495	10	dohmen	dohman	NOUN
fsr-3174	495	11	,	,	PUNCT
fsr-3174	495	12	t.	t.	PROPN
fsr-3174	495	13	,	,	PUNCT
fsr-3174	495	14	falk	falk	NOUN
fsr-3174	495	15	,	,	PUNCT
fsr-3174	495	16	a.	a.	PROPN
fsr-3174	495	17	,	,	PUNCT
fsr-3174	495	18	huffman	huffman	PROPN
fsr-3174	495	19	,	,	PUNCT
fsr-3174	495	20	d.	d.	PROPN
fsr-3174	495	21	,	,	PUNCT
fsr-3174	495	22	schupp	schupp	PROPN
fsr-3174	495	23	,	,	PUNCT
fsr-3174	495	24	j.	j.	PROPN
fsr-3174	495	25	,	,	PUNCT
fsr-3174	495	26	sunde	sunde	PROPN
fsr-3174	495	27	,	,	PUNCT
fsr-3174	495	28	u.	u.	PROPN
fsr-3174	495	29	,	,	PUNCT
fsr-3174	495	30	&	&	CCONJ
fsr-3174	495	31	wagner	wagner	PROPN
fsr-3174	495	32	,	,	PUNCT
fsr-3174	495	33	g.	g.	PROPN
fsr-3174	495	34	(	(	PUNCT
fsr-3174	495	35	2011	2011	NUM
fsr-3174	495	36	)	)	PUNCT
fsr-3174	495	37	.	.	PUNCT
fsr-3174	496	1	individual	individual	ADJ
fsr-3174	496	2	risk	risk	NOUN
fsr-3174	496	3	attitudes	attitude	NOUN
fsr-3174	496	4	:	:	PUNCT
fsr-3174	496	5	measurement	measurement	NOUN
fsr-3174	496	6	,	,	PUNCT
fsr-3174	496	7	determinants	determinant	NOUN
fsr-3174	496	8	,	,	PUNCT
fsr-3174	496	9	and	and	CCONJ
fsr-3174	496	10	behavioral	behavioral	ADJ
fsr-3174	496	11	consequences	consequence	NOUN
fsr-3174	496	12	.	.	PUNCT
fsr-3174	497	1	journal	journal	NOUN
fsr-3174	497	2	of	of	ADP
fsr-3174	497	3	the	the	DET
fsr-3174	497	4	european	european	PROPN
fsr-3174	497	5	economic	economic	PROPN
fsr-3174	497	6	association	association	PROPN
fsr-3174	497	7	,	,	PUNCT
fsr-3174	497	8	9(3	9(3	NUM
fsr-3174	497	9	)	)	PUNCT
fsr-3174	497	10	,	,	PUNCT
fsr-3174	497	11	522–550	522–550	NUM
fsr-3174	497	12	.	.	PUNCT
fsr-3174	498	1	dorn	dorn	PROPN
fsr-3174	498	2	,	,	PUNCT
fsr-3174	498	3	d.	d.	PROPN
fsr-3174	498	4	,	,	PUNCT
fsr-3174	498	5	&	&	CCONJ
fsr-3174	498	6	huberman	huberman	NOUN
fsr-3174	498	7	,	,	PUNCT
fsr-3174	498	8	g.	g.	PROPN
fsr-3174	498	9	(	(	PUNCT
fsr-3174	498	10	2005	2005	NUM
fsr-3174	498	11	)	)	PUNCT
fsr-3174	498	12	.	.	PUNCT
fsr-3174	499	1	talk	talk	NOUN
fsr-3174	499	2	and	and	CCONJ
fsr-3174	499	3	action	action	NOUN
fsr-3174	499	4	:	:	PUNCT
fsr-3174	499	5	what	what	PRON
fsr-3174	499	6	individual	individual	ADJ
fsr-3174	499	7	investors	investor	NOUN
fsr-3174	499	8	say	say	VERB
fsr-3174	499	9	and	and	CCONJ
fsr-3174	499	10	what	what	PRON
fsr-3174	499	11	they	they	PRON
fsr-3174	499	12	do	do	VERB
fsr-3174	499	13	.	.	PUNCT
fsr-3174	500	1	review	review	NOUN
fsr-3174	500	2	of	of	ADP
fsr-3174	500	3	finance	finance	NOUN
fsr-3174	500	4	,	,	PUNCT
fsr-3174	500	5	9(4	9(4	NUM
fsr-3174	500	6	)	)	PUNCT
fsr-3174	500	7	,	,	PUNCT
fsr-3174	500	8	437	437	NUM
fsr-3174	500	9	-	-	SYM
fsr-3174	500	10	481	481	NUM
fsr-3174	500	11	eckel	eckel	NOUN
fsr-3174	500	12	,	,	PUNCT
fsr-3174	500	13	c.	c.	PROPN
fsr-3174	500	14	c.	c.	PROPN
fsr-3174	500	15	,	,	PUNCT
fsr-3174	500	16	&	&	CCONJ
fsr-3174	500	17	grossman	grossman	PROPN
fsr-3174	500	18	,	,	PUNCT
fsr-3174	500	19	p.	p.	PROPN
fsr-3174	500	20	j.	j.	PROPN
fsr-3174	500	21	(	(	PUNCT
fsr-3174	500	22	2008	2008	NUM
fsr-3174	500	23	)	)	PUNCT
fsr-3174	500	24	.	.	PUNCT
fsr-3174	501	1	men	man	NOUN
fsr-3174	501	2	,	,	PUNCT
fsr-3174	501	3	women	woman	NOUN
fsr-3174	501	4	and	and	CCONJ
fsr-3174	501	5	risk	risk	NOUN
fsr-3174	501	6	aversion	aversion	NOUN
fsr-3174	501	7	:	:	PUNCT
fsr-3174	501	8	experimental	experimental	ADJ
fsr-3174	501	9	evidence	evidence	NOUN
fsr-3174	501	10	in	in	ADP
fsr-3174	501	11	c.	c.	PROPN
fsr-3174	501	12	r.	r.	PROPN
fsr-3174	501	13	plott	plott	PROPN
fsr-3174	501	14	and	and	CCONJ
fsr-3174	501	15	v.	v.	ADP
fsr-3174	501	16	l.	l.	PROPN
fsr-3174	501	17	smith	smith	PROPN
fsr-3174	501	18	,	,	PUNCT
fsr-3174	501	19	v.	v.	ADP
fsr-3174	501	20	l.	l.	PROPN
fsr-3174	501	21	(	(	PUNCT
fsr-3174	501	22	eds	eds	PROPN
fsr-3174	501	23	.	.	PUNCT
fsr-3174	501	24	)	)	PUNCT
fsr-3174	501	25	,	,	PUNCT
fsr-3174	501	26	handbook	handbook	NOUN
fsr-3174	501	27	of	of	ADP
fsr-3174	501	28	results	result	NOUN
fsr-3174	501	29	in	in	ADP
fsr-3174	501	30	experimental	experimental	ADJ
fsr-3174	501	31	economics	economic	NOUN
fsr-3174	501	32	.	.	PUNCT
fsr-3174	502	1	north	north	NOUN
fsr-3174	502	2	holland	holland	PROPN
fsr-3174	502	3	/	/	SYM
fsr-3174	502	4	elsevier	elsevier	PROPN
fsr-3174	502	5	press	press	PROPN
fsr-3174	502	6	efama	efama	NOUN
fsr-3174	502	7	.	.	PUNCT
fsr-3174	503	1	(	(	PUNCT
fsr-3174	503	2	2020	2020	NUM
fsr-3174	503	3	)	)	PUNCT
fsr-3174	503	4	.	.	PUNCT
fsr-3174	504	1	household	household	NOUN
fsr-3174	504	2	participation	participation	NOUN
fsr-3174	504	3	in	in	ADP
fsr-3174	504	4	capital	capital	NOUN
fsr-3174	504	5	markets	market	NOUN
fsr-3174	504	6	—	—	PUNCT
fsr-3174	504	7	assessing	assess	VERB
fsr-3174	504	8	the	the	DET
fsr-3174	504	9	current	current	ADJ
fsr-3174	504	10	state	state	NOUN
fsr-3174	504	11	and	and	CCONJ
fsr-3174	504	12	measuring	measure	VERB
fsr-3174	504	13	future	future	ADJ
fsr-3174	504	14	progress	progress	NOUN
fsr-3174	504	15	.	.	PUNCT
fsr-3174	505	1	european	european	PROPN
fsr-3174	505	2	fund	fund	PROPN
fsr-3174	505	3	and	and	CCONJ
fsr-3174	505	4	asset	asset	NOUN
fsr-3174	505	5	management	management	NOUN
fsr-3174	505	6	association	association	PROPN
fsr-3174	505	7	.	.	PUNCT
fsr-3174	506	1	brussels	brussels	PROPN
fsr-3174	506	2	.	.	PUNCT
fsr-3174	507	1	https://www.efama.org/sites/default/files	https://www.efama.org/sites/default/files	VERB
fsr-3174	507	2	/files	/file	NOUN
fsr-3174	507	3	/	/	SYM
fsr-3174	507	4	kpi%20report_final%20versio	kpi%20report_final%20versio	PROPN
fsr-3174	507	5	n%20%281%29_1.pdf	n%20%281%29_1.pdf	PROPN
fsr-3174	507	6	oehler	oehler	NOUN
fsr-3174	507	7	&	&	CCONJ
fsr-3174	507	8	horn	horn	PROPN
fsr-3174	507	9	303	303	NUM
fsr-3174	507	10	fagereng	fagereng	PROPN
fsr-3174	507	11	,	,	PUNCT
fsr-3174	507	12	a.	a.	PROPN
fsr-3174	507	13	,	,	PUNCT
fsr-3174	507	14	gottlieb	gottlieb	PROPN
fsr-3174	507	15	,	,	PUNCT
fsr-3174	507	16	c.	c.	PROPN
fsr-3174	507	17	,	,	PUNCT
fsr-3174	507	18	&	&	CCONJ
fsr-3174	507	19	guiso	guiso	PROPN
fsr-3174	507	20	,	,	PUNCT
fsr-3174	507	21	l.	l.	PROPN
fsr-3174	507	22	(	(	PUNCT
fsr-3174	507	23	2017	2017	NUM
fsr-3174	507	24	)	)	PUNCT
fsr-3174	507	25	.	.	PUNCT
fsr-3174	508	1	asset	asset	NOUN
fsr-3174	508	2	market	market	NOUN
fsr-3174	508	3	participation	participation	NOUN
fsr-3174	508	4	and	and	CCONJ
fsr-3174	508	5	portfolio	portfolio	NOUN
fsr-3174	508	6	choice	choice	NOUN
fsr-3174	508	7	over	over	ADP
fsr-3174	508	8	the	the	DET
fsr-3174	508	9	life	life	NOUN
fsr-3174	508	10	-	-	PUNCT
fsr-3174	508	11	cycle	cycle	NOUN
fsr-3174	508	12	.	.	PUNCT
fsr-3174	509	1	journal	journal	PROPN
fsr-3174	509	2	of	of	ADP
fsr-3174	509	3	finance	finance	NOUN
fsr-3174	509	4	,	,	PUNCT
fsr-3174	509	5	72(2	72(2	NUM
fsr-3174	509	6	)	)	PUNCT
fsr-3174	509	7	,	,	PUNCT
fsr-3174	510	1	705–750	705–750	X
fsr-3174	510	2	.	.	PUNCT
fsr-3174	510	3	fey	fey	PROPN
fsr-3174	510	4	,	,	PUNCT
fsr-3174	510	5	j.-c	j.-c	PROPN
fsr-3174	510	6	.	.	PUNCT
fsr-3174	510	7	,	,	PUNCT
fsr-3174	510	8	lerbs	lerb	NOUN
fsr-3174	510	9	,	,	PUNCT
fsr-3174	510	10	o.	o.	PROPN
fsr-3174	510	11	,	,	PUNCT
fsr-3174	510	12	schmidt	schmidt	PROPN
fsr-3174	510	13	,	,	PUNCT
fsr-3174	510	14	c.	c.	PROPN
fsr-3174	510	15	,	,	PUNCT
fsr-3174	510	16	&	&	CCONJ
fsr-3174	510	17	weber	weber	PROPN
fsr-3174	510	18	,	,	PUNCT
fsr-3174	510	19	m.	m.	NOUN
fsr-3174	510	20	(	(	PUNCT
fsr-3174	510	21	2020	2020	NUM
fsr-3174	510	22	)	)	PUNCT
fsr-3174	510	23	.	.	PUNCT
fsr-3174	511	1	risk	risk	NOUN
fsr-3174	511	2	attitude	attitude	NOUN
fsr-3174	511	3	and	and	CCONJ
fsr-3174	511	4	capital	capital	NOUN
fsr-3174	511	5	market	market	NOUN
fsr-3174	511	6	participation	participation	NOUN
fsr-3174	511	7	:	:	PUNCT
fsr-3174	511	8	is	be	AUX
fsr-3174	511	9	there	there	PRON
fsr-3174	511	10	a	a	DET
fsr-3174	511	11	gender	gender	NOUN
fsr-3174	511	12	investment	investment	NOUN
fsr-3174	511	13	gap	gap	NOUN
fsr-3174	511	14	in	in	ADP
fsr-3174	511	15	germany	germany	PROPN
fsr-3174	511	16	?	?	PUNCT
fsr-3174	512	1	discussion	discussion	NOUN
fsr-3174	512	2	paper	paper	NOUN
fsr-3174	512	3	20	20	NUM
fsr-3174	512	4	-	-	SYM
fsr-3174	512	5	080	080	NUM
fsr-3174	512	6	,	,	PUNCT
fsr-3174	512	7	zew	zew	PROPN
fsr-3174	512	8	.	.	PUNCT
fsr-3174	512	9	https://www.zew.de/publikationen/riskattitude-and-capital-marketparticipation-is-there-a-genderinvestment-gap-in-germany	https://www.zew.de/publikationen/riskattitude-and-capital-marketparticipation-is-there-a-genderinvestment-gap-in-germany	PROPN
fsr-3174	512	10	georgarakos	georgarakos	PROPN
fsr-3174	512	11	,	,	PUNCT
fsr-3174	512	12	d.	d.	PROPN
fsr-3174	512	13	,	,	PUNCT
fsr-3174	512	14	&	&	CCONJ
fsr-3174	512	15	inderst	inderst	PROPN
fsr-3174	512	16	,	,	PUNCT
fsr-3174	512	17	r.	r.	PROPN
fsr-3174	512	18	(	(	PUNCT
fsr-3174	512	19	2011	2011	NUM
fsr-3174	512	20	)	)	PUNCT
fsr-3174	512	21	.	.	PUNCT
fsr-3174	513	1	financial	financial	ADJ
fsr-3174	513	2	advice	advice	NOUN
fsr-3174	513	3	and	and	CCONJ
fsr-3174	513	4	stock	stock	NOUN
fsr-3174	513	5	market	market	NOUN
fsr-3174	513	6	participation	participation	NOUN
fsr-3174	513	7	.	.	PUNCT
fsr-3174	514	1	ecb	ecb	PROPN
fsr-3174	514	2	working	working	PROPN
fsr-3174	514	3	paper	paper	NOUN
fsr-3174	514	4	.	.	PUNCT
fsr-3174	515	1	https://www.ecb.europa.eu/pub/pdf/scp	https://www.ecb.europa.eu/pub/pdf/scp	PROPN
fsr-3174	515	2	wps	wps	PROPN
fsr-3174	515	3	/	/	SYM
fsr-3174	515	4	ecbwp1296.pdf	ecbwp1296.pdf	PROPN
fsr-3174	515	5	gomes	gome	NOUN
fsr-3174	515	6	,	,	PUNCT
fsr-3174	515	7	f.	f.	PROPN
fsr-3174	515	8	,	,	PUNCT
fsr-3174	515	9	haliassos	haliassos	NOUN
fsr-3174	515	10	,	,	PUNCT
fsr-3174	515	11	m.	m.	NOUN
fsr-3174	515	12	,	,	PUNCT
fsr-3174	515	13	&	&	CCONJ
fsr-3174	515	14	ramadorai	ramadorai	PROPN
fsr-3174	515	15	,	,	PUNCT
fsr-3174	515	16	t.	t.	PROPN
fsr-3174	515	17	(	(	PUNCT
fsr-3174	515	18	2020	2020	NUM
fsr-3174	515	19	)	)	PUNCT
fsr-3174	515	20	.	.	PUNCT
fsr-3174	516	1	household	household	NOUN
fsr-3174	516	2	finance	finance	NOUN
fsr-3174	516	3	.	.	PUNCT
fsr-3174	517	1	journal	journal	NOUN
fsr-3174	517	2	of	of	ADP
fsr-3174	517	3	economic	economic	ADJ
fsr-3174	517	4	literature	literature	NOUN
fsr-3174	517	5	,	,	PUNCT
fsr-3174	517	6	59(3	59(3	NUM
fsr-3174	517	7	)	)	PUNCT
fsr-3174	517	8	,	,	PUNCT
fsr-3174	517	9	919	919	NUM
fsr-3174	517	10	-	-	SYM
fsr-3174	517	11	1000	1000	NUM
fsr-3174	517	12	.	.	PUNCT
fsr-3174	518	1	guiso	guiso	PROPN
fsr-3174	518	2	,	,	PUNCT
fsr-3174	518	3	l.	l.	PROPN
fsr-3174	518	4	,	,	PUNCT
fsr-3174	518	5	&	&	CCONJ
fsr-3174	518	6	sodini	sodini	PROPN
fsr-3174	518	7	,	,	PUNCT
fsr-3174	518	8	p.	p.	NOUN
fsr-3174	518	9	(	(	PUNCT
fsr-3174	518	10	2013	2013	NUM
fsr-3174	518	11	)	)	PUNCT
fsr-3174	518	12	.	.	PUNCT
fsr-3174	519	1	household	household	NOUN
fsr-3174	519	2	finance	finance	NOUN
fsr-3174	519	3	:	:	PUNCT
fsr-3174	519	4	an	an	DET
fsr-3174	519	5	emerging	emerge	VERB
fsr-3174	519	6	field	field	NOUN
fsr-3174	519	7	in	in	ADP
fsr-3174	519	8	constantinidis	constantinidi	NOUN
fsr-3174	519	9	,	,	PUNCT
fsr-3174	519	10	g.	g.	PROPN
fsr-3174	519	11	,	,	PUNCT
fsr-3174	519	12	harris	harris	PROPN
fsr-3174	519	13	,	,	PUNCT
fsr-3174	519	14	m.	m.	NOUN
fsr-3174	519	15	,	,	PUNCT
fsr-3174	519	16	stulz	stulz	ADJ
fsr-3174	519	17	,	,	PUNCT
fsr-3174	519	18	r.	r.	PROPN
fsr-3174	519	19	(	(	PUNCT
fsr-3174	519	20	ed	ed	NOUN
fsr-3174	519	21	.	.	PUNCT
fsr-3174	519	22	)	)	PUNCT
fsr-3174	520	1	handbook	handbook	NOUN
fsr-3174	520	2	of	of	ADP
fsr-3174	520	3	the	the	DET
fsr-3174	520	4	economics	economic	NOUN
fsr-3174	520	5	of	of	ADP
fsr-3174	520	6	finance	finance	NOUN
fsr-3174	520	7	volume	volume	NOUN
fsr-3174	520	8	2b	2b	NOUN
fsr-3174	520	9	.	.	PUNCT
fsr-3174	521	1	elsevier	elsevier	PROPN
fsr-3174	521	2	.	.	PUNCT
fsr-3174	522	1	guiso	guiso	PROPN
fsr-3174	522	2	,	,	PUNCT
fsr-3174	522	3	l.	l.	PROPN
fsr-3174	522	4	,	,	PUNCT
fsr-3174	522	5	&	&	CCONJ
fsr-3174	522	6	zaccaria	zaccaria	PROPN
fsr-3174	522	7	,	,	PUNCT
fsr-3174	522	8	l.	l.	PROPN
fsr-3174	522	9	(	(	PUNCT
fsr-3174	522	10	2023	2023	NUM
fsr-3174	522	11	)	)	PUNCT
fsr-3174	522	12	.	.	PUNCT
fsr-3174	523	1	from	from	ADP
fsr-3174	523	2	patriarchy	patriarchy	NOUN
fsr-3174	523	3	to	to	ADP
fsr-3174	523	4	partnership	partnership	NOUN
fsr-3174	523	5	:	:	PUNCT
fsr-3174	523	6	gender	gender	NOUN
fsr-3174	523	7	equality	equality	NOUN
fsr-3174	523	8	and	and	CCONJ
fsr-3174	523	9	household	household	NOUN
fsr-3174	523	10	finance	finance	NOUN
fsr-3174	523	11	.	.	PUNCT
fsr-3174	524	1	journal	journal	NOUN
fsr-3174	524	2	of	of	ADP
fsr-3174	524	3	financial	financial	ADJ
fsr-3174	524	4	economics	economic	NOUN
fsr-3174	524	5	,	,	PUNCT
fsr-3174	524	6	147(3	147(3	NUM
fsr-3174	524	7	)	)	PUNCT
fsr-3174	524	8	,	,	PUNCT
fsr-3174	524	9	573	573	NUM
fsr-3174	524	10	-	-	SYM
fsr-3174	524	11	595	595	NUM
fsr-3174	524	12	..	..	PUNCT
fsr-3174	524	13	hair	hair	NOUN
fsr-3174	524	14	,	,	PUNCT
fsr-3174	524	15	j.	j.	PROPN
fsr-3174	524	16	f.	f.	PROPN
fsr-3174	524	17	,	,	PUNCT
fsr-3174	524	18	black	black	PROPN
fsr-3174	524	19	,	,	PUNCT
fsr-3174	524	20	w.	w.	PROPN
fsr-3174	524	21	,	,	PUNCT
fsr-3174	524	22	babin	babin	PROPN
fsr-3174	524	23	,	,	PUNCT
fsr-3174	524	24	b.	b.	PROPN
fsr-3174	524	25	j.	j.	PROPN
fsr-3174	524	26	,	,	PUNCT
fsr-3174	524	27	&	&	CCONJ
fsr-3174	524	28	anderson	anderson	PROPN
fsr-3174	524	29	,	,	PUNCT
fsr-3174	524	30	r.	r.	PROPN
fsr-3174	524	31	e.	e.	PROPN
fsr-3174	524	32	(	(	PUNCT
fsr-3174	524	33	2010	2010	NUM
fsr-3174	524	34	)	)	PUNCT
fsr-3174	524	35	.	.	PUNCT
fsr-3174	525	1	multivariate	multivariate	NOUN
fsr-3174	525	2	data	datum	NOUN
fsr-3174	525	3	analysis	analysis	NOUN
fsr-3174	525	4	(	(	PUNCT
fsr-3174	525	5	7th	7th	ADJ
fsr-3174	525	6	ed	ed	NOUN
fsr-3174	525	7	.	.	PUNCT
fsr-3174	525	8	)	)	PUNCT
fsr-3174	525	9	.	.	PUNCT
fsr-3174	526	1	prentice	prentice	PROPN
fsr-3174	526	2	hall	hall	PROPN
fsr-3174	526	3	.	.	PUNCT
fsr-3174	527	1	haliassos	haliassos	NOUN
fsr-3174	527	2	,	,	PUNCT
fsr-3174	527	3	m.	m.	NOUN
fsr-3174	527	4	,	,	PUNCT
fsr-3174	527	5	&	&	CCONJ
fsr-3174	527	6	bertaut	bertaut	PROPN
fsr-3174	527	7	,	,	PUNCT
fsr-3174	527	8	c.	c.	PROPN
fsr-3174	527	9	(	(	PUNCT
fsr-3174	527	10	1995	1995	NUM
fsr-3174	527	11	)	)	PUNCT
fsr-3174	527	12	.	.	PUNCT
fsr-3174	528	1	why	why	SCONJ
fsr-3174	528	2	do	do	AUX
fsr-3174	528	3	so	so	ADV
fsr-3174	528	4	few	few	ADJ
fsr-3174	528	5	hold	hold	VERB
fsr-3174	528	6	stocks	stock	NOUN
fsr-3174	528	7	?	?	PUNCT
fsr-3174	529	1	the	the	DET
fsr-3174	529	2	economic	economic	ADJ
fsr-3174	529	3	journal	journal	NOUN
fsr-3174	529	4	,	,	PUNCT
fsr-3174	529	5	105(432	105(432	NUM
fsr-3174	529	6	)	)	PUNCT
fsr-3174	529	7	,	,	PUNCT
fsr-3174	529	8	1110	1110	NUM
fsr-3174	529	9	-	-	SYM
fsr-3174	529	10	1129	1129	NUM
fsr-3174	529	11	halko	halko	ADJ
fsr-3174	529	12	,	,	PUNCT
fsr-3174	529	13	m.-l	m.-l	PROPN
fsr-3174	529	14	.	.	PROPN
fsr-3174	529	15	,	,	PUNCT
fsr-3174	529	16	kaustia	kaustia	PROPN
fsr-3174	529	17	,	,	PUNCT
fsr-3174	529	18	m.	m.	NOUN
fsr-3174	529	19	,	,	PUNCT
fsr-3174	529	20	&	&	CCONJ
fsr-3174	529	21	alanko	alanko	PROPN
fsr-3174	529	22	,	,	PUNCT
fsr-3174	529	23	e.	e.	PROPN
fsr-3174	529	24	(	(	PUNCT
fsr-3174	529	25	2012	2012	NUM
fsr-3174	529	26	)	)	PUNCT
fsr-3174	529	27	.	.	PUNCT
fsr-3174	530	1	the	the	DET
fsr-3174	530	2	gender	gender	NOUN
fsr-3174	530	3	effect	effect	NOUN
fsr-3174	530	4	in	in	ADP
fsr-3174	530	5	risky	risky	ADJ
fsr-3174	530	6	asset	asset	NOUN
fsr-3174	530	7	holdings	holding	NOUN
fsr-3174	530	8	.	.	PUNCT
fsr-3174	531	1	journal	journal	NOUN
fsr-3174	531	2	of	of	ADP
fsr-3174	531	3	economic	economic	ADJ
fsr-3174	531	4	behavior	behavior	NOUN
fsr-3174	531	5	and	and	CCONJ
fsr-3174	531	6	organization	organization	NOUN
fsr-3174	531	7	,	,	PUNCT
fsr-3174	531	8	83(1	83(1	PROPN
fsr-3174	531	9	)	)	PUNCT
fsr-3174	531	10	,	,	PUNCT
fsr-3174	531	11	66–81	66–81	NUM
fsr-3174	531	12	.	.	PUNCT
fsr-3174	532	1	hammer	hammer	NOUN
fsr-3174	532	2	,	,	PUNCT
fsr-3174	532	3	t.	t.	PROPN
fsr-3174	532	4	,	,	PUNCT
fsr-3174	532	5	krahnhof	krahnhof	NOUN
fsr-3174	532	6	,	,	PUNCT
fsr-3174	532	7	p.	p.	PROPN
fsr-3174	532	8	,	,	PUNCT
fsr-3174	532	9	&	&	CCONJ
fsr-3174	532	10	zureck	zureck	PROPN
fsr-3174	532	11	,	,	PUNCT
fsr-3174	532	12	a.	a.	NOUN
fsr-3174	532	13	(	(	PUNCT
fsr-3174	532	14	2022	2022	NUM
fsr-3174	532	15	)	)	PUNCT
fsr-3174	532	16	.	.	PUNCT
fsr-3174	533	1	correlation	correlation	NOUN
fsr-3174	533	2	of	of	ADP
fsr-3174	533	3	financial	financial	ADJ
fsr-3174	533	4	literacy	literacy	NOUN
fsr-3174	533	5	and	and	CCONJ
fsr-3174	533	6	demographics	demographic	NOUN
fsr-3174	533	7	on	on	ADP
fsr-3174	533	8	home	home	NOUN
fsr-3174	533	9	ownership	ownership	NOUN
fsr-3174	533	10	in	in	ADP
fsr-3174	533	11	germany	germany	PROPN
fsr-3174	533	12	.	.	PUNCT
fsr-3174	534	1	working	work	VERB
fsr-3174	534	2	paper	paper	NOUN
fsr-3174	534	3	.	.	PUNCT
fsr-3174	535	1	https://papers.ssrn.com/sol3/papers.cfm	https://papers.ssrn.com/sol3/papers.cfm	PROPN
fsr-3174	535	2	?	?	PUNCT
fsr-3174	536	1	abstract_id=4211298	abstract_id=4211298	PROPN
fsr-3174	536	2	hanna	hanna	PROPN
fsr-3174	536	3	,	,	PUNCT
fsr-3174	536	4	s.	s.	PROPN
fsr-3174	536	5	d.	d.	PROPN
fsr-3174	536	6	,	,	PUNCT
fsr-3174	536	7	kim	kim	PROPN
fsr-3174	536	8	,	,	PUNCT
fsr-3174	536	9	k.	k.	PROPN
fsr-3174	536	10	t.	t.	PROPN
fsr-3174	536	11	,	,	PUNCT
fsr-3174	536	12	lindamood	lindamood	PROPN
fsr-3174	536	13	,	,	PUNCT
fsr-3174	536	14	s.	s.	PROPN
fsr-3174	536	15	,	,	PUNCT
fsr-3174	536	16	&	&	CCONJ
fsr-3174	536	17	lee	lee	PROPN
fsr-3174	536	18	,	,	PUNCT
fsr-3174	536	19	s.	s.	PROPN
fsr-3174	536	20	t.	t.	PROPN
fsr-3174	536	21	(	(	PUNCT
fsr-3174	536	22	2021	2021	NUM
fsr-3174	536	23	)	)	PUNCT
fsr-3174	536	24	.	.	PUNCT
fsr-3174	537	1	husbands	husband	NOUN
fsr-3174	537	2	,	,	PUNCT
fsr-3174	537	3	wives	wife	NOUN
fsr-3174	537	4	,	,	PUNCT
fsr-3174	537	5	and	and	CCONJ
fsr-3174	537	6	perception	perception	NOUN
fsr-3174	537	7	of	of	ADP
fsr-3174	537	8	relative	relative	ADJ
fsr-3174	537	9	knowledge	knowledge	NOUN
fsr-3174	537	10	about	about	ADP
fsr-3174	537	11	household	household	NOUN
fsr-3174	537	12	finances	finance	NOUN
fsr-3174	537	13	.	.	PUNCT
fsr-3174	538	1	financial	financial	ADJ
fsr-3174	538	2	planning	planning	PROPN
fsr-3174	538	3	review	review	NOUN
fsr-3174	538	4	,	,	PUNCT
fsr-3174	538	5	4(1	4(1	NOUN
fsr-3174	538	6	)	)	PUNCT
fsr-3174	538	7	,	,	PUNCT
fsr-3174	538	8	e1110	e1110	PROPN
fsr-3174	538	9	.	.	PUNCT
fsr-3174	539	1	haughton	haughton	PROPN
fsr-3174	539	2	,	,	PUNCT
fsr-3174	539	3	d.	d.	PROPN
fsr-3174	539	4	m.	m.	PROPN
fsr-3174	539	5	a.	a.	PROPN
fsr-3174	539	6	,	,	PUNCT
fsr-3174	539	7	oud	oud	PROPN
fsr-3174	539	8	,	,	PUNCT
fsr-3174	539	9	j.	j.	PROPN
fsr-3174	539	10	h.	h.	PROPN
fsr-3174	539	11	l.	l.	PROPN
fsr-3174	539	12	,	,	PUNCT
fsr-3174	539	13	&	&	CCONJ
fsr-3174	539	14	jansen	jansen	PROPN
fsr-3174	539	15	,	,	PUNCT
fsr-3174	539	16	r.	r.	PROPN
fsr-3174	539	17	a.	a.	PROPN
fsr-3174	539	18	r.	r.	PROPN
fsr-3174	539	19	g.	g.	PROPN
fsr-3174	539	20	(	(	PUNCT
fsr-3174	539	21	1997	1997	NUM
fsr-3174	539	22	)	)	PUNCT
fsr-3174	539	23	.	.	PUNCT
fsr-3174	540	1	information	information	NOUN
fsr-3174	540	2	and	and	CCONJ
fsr-3174	540	3	other	other	ADJ
fsr-3174	540	4	criteria	criterion	NOUN
fsr-3174	540	5	in	in	ADP
fsr-3174	540	6	structural	structural	ADJ
fsr-3174	540	7	equation	equation	NOUN
fsr-3174	540	8	model	model	NOUN
fsr-3174	540	9	selection	selection	NOUN
fsr-3174	540	10	.	.	PUNCT
fsr-3174	541	1	communications	communication	NOUN
fsr-3174	541	2	in	in	ADP
fsr-3174	541	3	statistics	statistic	NOUN
fsr-3174	541	4	—	—	PUNCT
fsr-3174	541	5	simulation	simulation	NOUN
fsr-3174	541	6	and	and	CCONJ
fsr-3174	541	7	computation	computation	NOUN
fsr-3174	541	8	,	,	PUNCT
fsr-3174	541	9	26(4	26(4	NUM
fsr-3174	541	10	)	)	PUNCT
fsr-3174	541	11	,	,	PUNCT
fsr-3174	541	12	1477–1516	1477–1516	NUM
fsr-3174	541	13	.	.	PUNCT
fsr-3174	542	1	hermansson	hermansson	NOUN
fsr-3174	542	2	,	,	PUNCT
fsr-3174	542	3	c.	c.	PROPN
fsr-3174	542	4	,	,	PUNCT
fsr-3174	542	5	jonsson	jonsson	PROPN
fsr-3174	542	6	,	,	PUNCT
fsr-3174	542	7	s.	s.	PROPN
fsr-3174	542	8	,	,	PUNCT
fsr-3174	542	9	&	&	CCONJ
fsr-3174	542	10	liuc	liuc	PROPN
fsr-3174	542	11	,	,	PUNCT
fsr-3174	542	12	l.	l.	PROPN
fsr-3174	542	13	(	(	PUNCT
fsr-3174	542	14	2022	2022	NUM
fsr-3174	542	15	,	,	PUNCT
fsr-3174	542	16	the	the	DET
fsr-3174	542	17	medium	medium	NOUN
fsr-3174	542	18	is	be	AUX
fsr-3174	542	19	the	the	DET
fsr-3174	542	20	message	message	NOUN
fsr-3174	542	21	:	:	PUNCT
fsr-3174	542	22	learning	learn	VERB
fsr-3174	542	23	channels	channel	NOUN
fsr-3174	542	24	,	,	PUNCT
fsr-3174	542	25	financial	financial	ADJ
fsr-3174	542	26	literacy	literacy	NOUN
fsr-3174	542	27	,	,	PUNCT
fsr-3174	542	28	and	and	CCONJ
fsr-3174	542	29	stock	stock	NOUN
fsr-3174	542	30	market	market	NOUN
fsr-3174	542	31	participation	participation	NOUN
fsr-3174	542	32	.	.	PUNCT
fsr-3174	543	1	international	international	ADJ
fsr-3174	543	2	review	review	NOUN
fsr-3174	543	3	of	of	ADP
fsr-3174	543	4	financial	financial	ADJ
fsr-3174	543	5	analysis	analysis	NOUN
fsr-3174	543	6	,	,	PUNCT
fsr-3174	543	7	79(january	79(january	NUM
fsr-3174	543	8	)	)	PUNCT
fsr-3174	543	9	,	,	PUNCT
fsr-3174	543	10	101996	101996	NUM
fsr-3174	543	11	.	.	PUNCT
fsr-3174	544	1	horn	horn	NOUN
fsr-3174	544	2	,	,	PUNCT
fsr-3174	544	3	m.	m.	NOUN
fsr-3174	544	4	,	,	PUNCT
fsr-3174	544	5	&	&	CCONJ
fsr-3174	544	6	oehler	oehler	NOUN
fsr-3174	544	7	,	,	PUNCT
fsr-3174	544	8	a.	a.	NOUN
fsr-3174	544	9	(	(	PUNCT
fsr-3174	544	10	2020	2020	NUM
fsr-3174	544	11	)	)	PUNCT
fsr-3174	544	12	.	.	PUNCT
fsr-3174	545	1	automated	automate	VERB
fsr-3174	545	2	portfolio	portfolio	NOUN
fsr-3174	545	3	rebalancing	rebalancing	NOUN
fsr-3174	545	4	:	:	PUNCT
fsr-3174	545	5	automatic	automatic	ADJ
fsr-3174	545	6	erosion	erosion	NOUN
fsr-3174	545	7	of	of	ADP
fsr-3174	545	8	investment	investment	NOUN
fsr-3174	545	9	performance	performance	NOUN
fsr-3174	545	10	?	?	PUNCT
fsr-3174	546	1	journal	journal	NOUN
fsr-3174	546	2	of	of	ADP
fsr-3174	546	3	asset	asset	NOUN
fsr-3174	546	4	management	management	NOUN
fsr-3174	546	5	,	,	PUNCT
fsr-3174	546	6	21(6	21(6	NOUN
fsr-3174	546	7	)	)	PUNCT
fsr-3174	546	8	,	,	PUNCT
fsr-3174	546	9	489–505	489–505	NUM
fsr-3174	546	10	.	.	PUNCT
fsr-3174	547	1	hu	hu	PROPN
fsr-3174	547	2	,	,	PUNCT
fsr-3174	547	3	l.	l.	PROPN
fsr-3174	547	4	,	,	PUNCT
fsr-3174	547	5	&	&	CCONJ
fsr-3174	547	6	bentler	bentler	NOUN
fsr-3174	547	7	,	,	PUNCT
fsr-3174	547	8	p.	p.	NOUN
fsr-3174	547	9	m.	m.	NOUN
fsr-3174	547	10	(	(	PUNCT
fsr-3174	547	11	1999	1999	NUM
fsr-3174	547	12	)	)	PUNCT
fsr-3174	547	13	.	.	PUNCT
fsr-3174	548	1	cutoff	cutoff	PROPN
fsr-3174	548	2	criteria	criterion	NOUN
fsr-3174	548	3	for	for	ADP
fsr-3174	548	4	fit	fit	ADJ
fsr-3174	548	5	indexes	index	NOUN
fsr-3174	548	6	in	in	ADP
fsr-3174	548	7	covariance	covariance	NOUN
fsr-3174	548	8	structure	structure	NOUN
fsr-3174	548	9	analysis	analysis	NOUN
fsr-3174	548	10	:	:	PUNCT
fsr-3174	548	11	conventional	conventional	ADJ
fsr-3174	548	12	criteria	criterion	NOUN
fsr-3174	548	13	versus	versus	ADP
fsr-3174	548	14	new	new	ADJ
fsr-3174	548	15	alternatives	alternative	NOUN
fsr-3174	548	16	.	.	PUNCT
fsr-3174	549	1	structural	structural	ADJ
fsr-3174	549	2	equation	equation	NOUN
fsr-3174	549	3	modeling	modeling	NOUN
fsr-3174	549	4	,	,	PUNCT
fsr-3174	549	5	6(1	6(1	NUM
fsr-3174	549	6	)	)	PUNCT
fsr-3174	549	7	,	,	PUNCT
fsr-3174	549	8	1–55	1–55	PROPN
fsr-3174	549	9	.	.	PUNCT
fsr-3174	550	1	kaustia	kaustia	PROPN
fsr-3174	550	2	,	,	PUNCT
fsr-3174	550	3	m.	m.	NOUN
fsr-3174	550	4	,	,	PUNCT
fsr-3174	550	5	conlin	conlin	PROPN
fsr-3174	550	6	,	,	PUNCT
fsr-3174	550	7	a.	a.	PROPN
fsr-3174	550	8	,	,	PUNCT
fsr-3174	550	9	&	&	CCONJ
fsr-3174	550	10	luotonen	luotonen	PROPN
fsr-3174	550	11	,	,	PUNCT
fsr-3174	550	12	n.	n.	NOUN
fsr-3174	550	13	(	(	PUNCT
fsr-3174	550	14	2023	2023	NUM
fsr-3174	550	15	)	)	PUNCT
fsr-3174	550	16	.	.	PUNCT
fsr-3174	551	1	what	what	PRON
fsr-3174	551	2	drives	drive	VERB
fsr-3174	551	3	the	the	DET
fsr-3174	551	4	heterogeneity	heterogeneity	NOUN
fsr-3174	551	5	in	in	ADP
fsr-3174	551	6	portfolio	portfolio	NOUN
fsr-3174	551	7	choice	choice	NOUN
fsr-3174	551	8	?	?	PUNCT
fsr-3174	552	1	the	the	DET
fsr-3174	552	2	role	role	NOUN
fsr-3174	552	3	of	of	ADP
fsr-3174	552	4	institutional	institutional	ADJ
fsr-3174	552	5	,	,	PUNCT
fsr-3174	552	6	traditional	traditional	ADJ
fsr-3174	552	7	,	,	PUNCT
fsr-3174	552	8	and	and	CCONJ
fsr-3174	552	9	behavioral	behavioral	ADJ
fsr-3174	552	10	factors	factor	NOUN
fsr-3174	552	11	.	.	PUNCT
fsr-3174	553	1	journal	journal	NOUN
fsr-3174	553	2	of	of	ADP
fsr-3174	553	3	banking	banking	NOUN
fsr-3174	553	4	&	&	CCONJ
fsr-3174	553	5	finance	finance	PROPN
fsr-3174	553	6	,	,	PUNCT
fsr-3174	553	7	148(march	148(march	NUM
fsr-3174	553	8	)	)	PUNCT
fsr-3174	553	9	,	,	PUNCT
fsr-3174	553	10	106743	106743	NUM
fsr-3174	553	11	.	.	PUNCT
fsr-3174	554	1	kline	kline	PROPN
fsr-3174	554	2	,	,	PUNCT
fsr-3174	554	3	r.	r.	PROPN
fsr-3174	554	4	b.	b.	PROPN
fsr-3174	554	5	(	(	PUNCT
fsr-3174	554	6	2005	2005	NUM
fsr-3174	554	7	)	)	PUNCT
fsr-3174	554	8	.	.	PUNCT
fsr-3174	555	1	principles	principle	NOUN
fsr-3174	555	2	and	and	CCONJ
fsr-3174	555	3	practice	practice	NOUN
fsr-3174	555	4	of	of	ADP
fsr-3174	555	5	structural	structural	ADJ
fsr-3174	555	6	equation	equation	NOUN
fsr-3174	555	7	modelling	modelling	NOUN
fsr-3174	555	8	.	.	PUNCT
fsr-3174	556	1	the	the	DET
fsr-3174	556	2	guilford	guilford	PROPN
fsr-3174	556	3	press	press	PROPN
fsr-3174	556	4	,	,	PUNCT
fsr-3174	556	5	korniotis	korniotis	PROPN
fsr-3174	556	6	g.	g.	PROPN
fsr-3174	556	7	,	,	PUNCT
fsr-3174	556	8	&	&	CCONJ
fsr-3174	556	9	kumar	kumar	PROPN
fsr-3174	556	10	,	,	PUNCT
fsr-3174	556	11	a.	a.	NOUN
fsr-3174	556	12	(	(	PUNCT
fsr-3174	556	13	2011	2011	NUM
fsr-3174	556	14	)	)	PUNCT
fsr-3174	556	15	.	.	PUNCT
fsr-3174	557	1	do	do	AUX
fsr-3174	557	2	older	old	ADJ
fsr-3174	557	3	investors	investor	NOUN
fsr-3174	557	4	make	make	VERB
fsr-3174	557	5	better	well	ADJ
fsr-3174	557	6	investment	investment	NOUN
fsr-3174	557	7	decisions	decision	NOUN
fsr-3174	557	8	?	?	PUNCT
fsr-3174	558	1	review	review	NOUN
fsr-3174	558	2	of	of	ADP
fsr-3174	558	3	economics	economic	NOUN
fsr-3174	558	4	and	and	CCONJ
fsr-3174	558	5	statistics	statistic	NOUN
fsr-3174	558	6	,	,	PUNCT
fsr-3174	558	7	93(1	93(1	NUM
fsr-3174	558	8	)	)	PUNCT
fsr-3174	558	9	,	,	PUNCT
fsr-3174	558	10	244–265	244–265	NUM
fsr-3174	558	11	.	.	PUNCT
fsr-3174	559	1	laurinaityte	laurinaityte	NOUN
fsr-3174	559	2	,	,	PUNCT
fsr-3174	559	3	n.	n.	NOUN
fsr-3174	559	4	(	(	PUNCT
fsr-3174	559	5	2018	2018	NUM
fsr-3174	559	6	)	)	PUNCT
fsr-3174	559	7	.	.	PUNCT
fsr-3174	560	1	household	household	NOUN
fsr-3174	560	2	financial	financial	ADJ
fsr-3174	560	3	risk	risk	NOUN
fsr-3174	560	4	tolerance	tolerance	NOUN
fsr-3174	560	5	in	in	ADP
fsr-3174	560	6	europe	europe	PROPN
fsr-3174	560	7	.	.	PUNCT
fsr-3174	561	1	zbw	zbw	PROPN
fsr-3174	561	2	working	working	PROPN
fsr-3174	561	3	paper	paper	NOUN
fsr-3174	561	4	.	.	PUNCT
fsr-3174	562	1	https://www.zbw.eu/econisarchiv/bitstream/11159/368371/1/ebp0	https://www.zbw.eu/econisarchiv/bitstream/11159/368371/1/ebp0	PROPN
fsr-3174	562	2	75847094_0.pdf	75847094_0.pdf	PROPN
fsr-3174	562	3	lusardi	lusardi	PROPN
fsr-3174	562	4	,	,	PUNCT
fsr-3174	562	5	a.	a.	PROPN
fsr-3174	562	6	,	,	PUNCT
fsr-3174	562	7	&	&	CCONJ
fsr-3174	562	8	mitchell	mitchell	PROPN
fsr-3174	562	9	,	,	PUNCT
fsr-3174	562	10	o.	o.	PROPN
fsr-3174	562	11	s.	s.	PROPN
fsr-3174	562	12	(	(	PUNCT
fsr-3174	562	13	2008	2008	NUM
fsr-3174	562	14	)	)	PUNCT
fsr-3174	562	15	.	.	PUNCT
fsr-3174	563	1	planning	planning	NOUN
fsr-3174	563	2	and	and	CCONJ
fsr-3174	563	3	financial	financial	ADJ
fsr-3174	563	4	literacy	literacy	NOUN
fsr-3174	563	5	:	:	PUNCT
fsr-3174	563	6	how	how	SCONJ
fsr-3174	563	7	do	do	AUX
fsr-3174	563	8	women	woman	NOUN
fsr-3174	563	9	financial	financial	PROPN
fsr-3174	563	10	services	service	NOUN
fsr-3174	563	11	review	review	NOUN
fsr-3174	563	12	,	,	PUNCT
fsr-3174	563	13	31(4	31(4	NUM
fsr-3174	563	14	)	)	PUNCT
fsr-3174	563	15	304	304	NUM
fsr-3174	563	16	fare	fare	NOUN
fsr-3174	563	17	?	?	PUNCT
fsr-3174	564	1	american	american	PROPN
fsr-3174	564	2	economic	economic	PROPN
fsr-3174	564	3	review	review	PROPN
fsr-3174	564	4	:	:	PUNCT
fsr-3174	564	5	papers	paper	NOUN
fsr-3174	564	6	&	&	CCONJ
fsr-3174	564	7	proceedings	proceeding	NOUN
fsr-3174	564	8	,	,	PUNCT
fsr-3174	564	9	98(2	98(2	NUM
fsr-3174	564	10	)	)	PUNCT
fsr-3174	564	11	,	,	PUNCT
fsr-3174	564	12	413–417	413–417	NUM
fsr-3174	564	13	.	.	PUNCT
fsr-3174	565	1	lusardi	lusardi	PROPN
fsr-3174	565	2	,	,	PUNCT
fsr-3174	565	3	a.	a.	PROPN
fsr-3174	565	4	,	,	PUNCT
fsr-3174	565	5	&	&	CCONJ
fsr-3174	565	6	mitchell	mitchell	PROPN
fsr-3174	565	7	,	,	PUNCT
fsr-3174	565	8	o.	o.	PROPN
fsr-3174	565	9	s.	s.	PROPN
fsr-3174	565	10	(	(	PUNCT
fsr-3174	565	11	2011	2011	NUM
fsr-3174	565	12	)	)	PUNCT
fsr-3174	565	13	.	.	PUNCT
fsr-3174	566	1	financial	financial	ADJ
fsr-3174	566	2	literacy	literacy	NOUN
fsr-3174	566	3	around	around	ADP
fsr-3174	566	4	the	the	DET
fsr-3174	566	5	world	world	NOUN
fsr-3174	566	6	:	:	PUNCT
fsr-3174	566	7	an	an	DET
fsr-3174	566	8	overview	overview	NOUN
fsr-3174	566	9	.	.	PUNCT
fsr-3174	567	1	journal	journal	NOUN
fsr-3174	567	2	of	of	ADP
fsr-3174	567	3	pension	pension	NOUN
fsr-3174	567	4	economics	economic	NOUN
fsr-3174	567	5	&	&	CCONJ
fsr-3174	567	6	finance	finance	PROPN
fsr-3174	567	7	,	,	PUNCT
fsr-3174	567	8	10(4	10(4	NUM
fsr-3174	567	9	)	)	PUNCT
fsr-3174	567	10	,	,	PUNCT
fsr-3174	567	11	497–508	497–508	NUM
fsr-3174	567	12	.	.	PUNCT
fsr-3174	568	1	lusardi	lusardi	PROPN
fsr-3174	568	2	,	,	PUNCT
fsr-3174	568	3	a.	a.	PROPN
fsr-3174	568	4	,	,	PUNCT
fsr-3174	568	5	&	&	CCONJ
fsr-3174	568	6	mitchell	mitchell	PROPN
fsr-3174	568	7	,	,	PUNCT
fsr-3174	568	8	o.	o.	PROPN
fsr-3174	568	9	s.	s.	PROPN
fsr-3174	568	10	(	(	PUNCT
fsr-3174	568	11	2014	2014	NUM
fsr-3174	568	12	)	)	PUNCT
fsr-3174	568	13	.	.	PUNCT
fsr-3174	569	1	the	the	DET
fsr-3174	569	2	economic	economic	ADJ
fsr-3174	569	3	importance	importance	NOUN
fsr-3174	569	4	of	of	ADP
fsr-3174	569	5	financial	financial	ADJ
fsr-3174	569	6	literacy	literacy	NOUN
fsr-3174	569	7	:	:	PUNCT
fsr-3174	569	8	theory	theory	NOUN
fsr-3174	569	9	and	and	CCONJ
fsr-3174	569	10	evidence	evidence	NOUN
fsr-3174	569	11	.	.	PUNCT
fsr-3174	570	1	journal	journal	NOUN
fsr-3174	570	2	of	of	ADP
fsr-3174	570	3	economic	economic	ADJ
fsr-3174	570	4	literature	literature	NOUN
fsr-3174	570	5	,	,	PUNCT
fsr-3174	570	6	52(1	52(1	NOUN
fsr-3174	570	7	)	)	PUNCT
fsr-3174	570	8	,	,	PUNCT
fsr-3174	570	9	5–44	5–44	PROPN
fsr-3174	570	10	.	.	PROPN
fsr-3174	570	11	maccallum	maccallum	PROPN
fsr-3174	570	12	,	,	PUNCT
fsr-3174	570	13	r.	r.	PROPN
fsr-3174	570	14	c.	c.	PROPN
fsr-3174	570	15	,	,	PUNCT
fsr-3174	570	16	browne	browne	PROPN
fsr-3174	570	17	,	,	PUNCT
fsr-3174	570	18	m.	m.	PROPN
fsr-3174	570	19	w.	w.	PROPN
fsr-3174	570	20	,	,	PUNCT
fsr-3174	570	21	&	&	CCONJ
fsr-3174	570	22	sugawara	sugawara	PROPN
fsr-3174	570	23	,	,	PUNCT
fsr-3174	570	24	h.	h.	PROPN
fsr-3174	570	25	m.	m.	NOUN
fsr-3174	570	26	(	(	PUNCT
fsr-3174	570	27	1996	1996	NUM
fsr-3174	570	28	)	)	PUNCT
fsr-3174	570	29	.	.	PUNCT
fsr-3174	571	1	power	power	NOUN
fsr-3174	571	2	analysis	analysis	NOUN
fsr-3174	571	3	and	and	CCONJ
fsr-3174	571	4	determination	determination	NOUN
fsr-3174	571	5	of	of	ADP
fsr-3174	571	6	sample	sample	NOUN
fsr-3174	571	7	size	size	NOUN
fsr-3174	571	8	for	for	ADP
fsr-3174	571	9	covariance	covariance	NOUN
fsr-3174	571	10	structure	structure	NOUN
fsr-3174	571	11	modeling	modeling	NOUN
fsr-3174	571	12	.	.	PUNCT
fsr-3174	572	1	psychological	psychological	ADJ
fsr-3174	572	2	methods	method	NOUN
fsr-3174	572	3	,	,	PUNCT
fsr-3174	572	4	1(2	1(2	NUM
fsr-3174	572	5	)	)	PUNCT
fsr-3174	572	6	,	,	PUNCT
fsr-3174	572	7	130–149	130–149	NUM
fsr-3174	572	8	.	.	PUNCT
fsr-3174	573	1	malmendier	malmendier	NOUN
fsr-3174	573	2	,	,	PUNCT
fsr-3174	573	3	u.	u.	PROPN
fsr-3174	573	4	,	,	PUNCT
fsr-3174	573	5	&	&	CCONJ
fsr-3174	573	6	nagel	nagel	PROPN
fsr-3174	573	7	,	,	PUNCT
fsr-3174	573	8	s.	s.	PROPN
fsr-3174	573	9	(	(	PUNCT
fsr-3174	573	10	2011	2011	NUM
fsr-3174	573	11	)	)	PUNCT
fsr-3174	573	12	.	.	PUNCT
fsr-3174	574	1	depression	depression	NOUN
fsr-3174	574	2	babies	baby	NOUN
fsr-3174	574	3	:	:	PUNCT
fsr-3174	574	4	do	do	AUX
fsr-3174	574	5	macroeconomic	macroeconomic	ADJ
fsr-3174	574	6	experiences	experience	NOUN
fsr-3174	574	7	affect	affect	VERB
fsr-3174	574	8	risk	risk	NOUN
fsr-3174	574	9	taking	taking	NOUN
fsr-3174	574	10	?	?	PUNCT
fsr-3174	575	1	quarterly	quarterly	ADJ
fsr-3174	575	2	journal	journal	NOUN
fsr-3174	575	3	of	of	ADP
fsr-3174	575	4	economics	economic	NOUN
fsr-3174	575	5	,	,	PUNCT
fsr-3174	575	6	126(1	126(1	NUM
fsr-3174	575	7	)	)	PUNCT
fsr-3174	575	8	,	,	PUNCT
fsr-3174	575	9	373–416	373–416	NUM
fsr-3174	575	10	.	.	PUNCT
fsr-3174	576	1	mankiw	mankiw	PROPN
fsr-3174	576	2	,	,	PUNCT
fsr-3174	576	3	n.	n.	NOUN
fsr-3174	576	4	,	,	PUNCT
fsr-3174	576	5	&	&	CCONJ
fsr-3174	576	6	zeldes	zeldes	PROPN
fsr-3174	576	7	,	,	PUNCT
fsr-3174	576	8	s.	s.	PROPN
fsr-3174	576	9	(	(	PUNCT
fsr-3174	576	10	1991	1991	NUM
fsr-3174	576	11	)	)	PUNCT
fsr-3174	576	12	.	.	PUNCT
fsr-3174	577	1	the	the	DET
fsr-3174	577	2	consumption	consumption	NOUN
fsr-3174	577	3	of	of	ADP
fsr-3174	577	4	stockholders	stockholder	NOUN
fsr-3174	577	5	and	and	CCONJ
fsr-3174	577	6	nonstockholders	nonstockholder	NOUN
fsr-3174	577	7	.	.	PUNCT
fsr-3174	578	1	journal	journal	NOUN
fsr-3174	578	2	of	of	ADP
fsr-3174	578	3	financial	financial	ADJ
fsr-3174	578	4	economics	economic	NOUN
fsr-3174	578	5	,	,	PUNCT
fsr-3174	578	6	29(1	29(1	NUM
fsr-3174	578	7	)	)	PUNCT
fsr-3174	578	8	,	,	PUNCT
fsr-3174	578	9	97	97	NUM
fsr-3174	578	10	-	-	SYM
fsr-3174	578	11	112	112	NUM
fsr-3174	578	12	.	.	PUNCT
fsr-3174	579	1	mehra	mehra	PROPN
fsr-3174	579	2	,	,	PUNCT
fsr-3174	579	3	r.	r.	PROPN
fsr-3174	579	4	,	,	PUNCT
fsr-3174	579	5	&	&	CCONJ
fsr-3174	579	6	prescott	prescott	PROPN
fsr-3174	579	7	,	,	PUNCT
fsr-3174	579	8	e.	e.	PROPN
fsr-3174	579	9	(	(	PUNCT
fsr-3174	579	10	1985	1985	NUM
fsr-3174	579	11	)	)	PUNCT
fsr-3174	579	12	.	.	PUNCT
fsr-3174	580	1	the	the	DET
fsr-3174	580	2	equity	equity	NOUN
fsr-3174	580	3	premium	premium	NOUN
fsr-3174	580	4	—	—	PUNCT
fsr-3174	580	5	a	a	DET
fsr-3174	580	6	puzzle	puzzle	NOUN
fsr-3174	580	7	.	.	PUNCT
fsr-3174	581	1	journal	journal	NOUN
fsr-3174	581	2	of	of	ADP
fsr-3174	581	3	monetary	monetary	ADJ
fsr-3174	581	4	economics	economic	NOUN
fsr-3174	581	5	,	,	PUNCT
fsr-3174	581	6	15(2	15(2	NUM
fsr-3174	581	7	)	)	PUNCT
fsr-3174	581	8	,	,	PUNCT
fsr-3174	581	9	145	145	NUM
fsr-3174	581	10	-	-	SYM
fsr-3174	581	11	161	161	NUM
fsr-3174	581	12	.	.	PUNCT
fsr-3174	582	1	merton	merton	PROPN
fsr-3174	582	2	,	,	PUNCT
fsr-3174	582	3	r.	r.	PROPN
fsr-3174	582	4	c.	c.	PROPN
fsr-3174	582	5	(	(	PUNCT
fsr-3174	582	6	1969	1969	NUM
fsr-3174	582	7	)	)	PUNCT
fsr-3174	582	8	.	.	PUNCT
fsr-3174	583	1	lifetime	lifetime	NOUN
fsr-3174	583	2	portfolio	portfolio	NOUN
fsr-3174	583	3	selection	selection	NOUN
fsr-3174	583	4	under	under	ADP
fsr-3174	583	5	uncertainty	uncertainty	NOUN
fsr-3174	583	6	:	:	PUNCT
fsr-3174	583	7	the	the	DET
fsr-3174	583	8	continuous	continuous	ADJ
fsr-3174	583	9	-	-	PUNCT
fsr-3174	583	10	time	time	NOUN
fsr-3174	583	11	case	case	NOUN
fsr-3174	583	12	.	.	PUNCT
fsr-3174	584	1	review	review	NOUN
fsr-3174	584	2	of	of	ADP
fsr-3174	584	3	economics	economic	NOUN
fsr-3174	584	4	and	and	CCONJ
fsr-3174	584	5	statistics	statistic	NOUN
fsr-3174	584	6	,	,	PUNCT
fsr-3174	584	7	51(3	51(3	NUM
fsr-3174	584	8	)	)	PUNCT
fsr-3174	584	9	,	,	PUNCT
fsr-3174	584	10	247	247	NUM
fsr-3174	584	11	-	-	SYM
fsr-3174	584	12	257	257	NUM
fsr-3174	584	13	nosic	nosic	ADJ
fsr-3174	584	14	,	,	PUNCT
fsr-3174	584	15	a.	a.	NOUN
fsr-3174	584	16	,	,	PUNCT
fsr-3174	584	17	&	&	CCONJ
fsr-3174	584	18	weber	weber	PROPN
fsr-3174	584	19	,	,	PUNCT
fsr-3174	584	20	m.	m.	NOUN
fsr-3174	584	21	(	(	PUNCT
fsr-3174	584	22	2010	2010	NUM
fsr-3174	584	23	)	)	PUNCT
fsr-3174	584	24	.	.	PUNCT
fsr-3174	585	1	how	how	SCONJ
fsr-3174	585	2	risky	risky	ADJ
fsr-3174	585	3	do	do	AUX
fsr-3174	585	4	i	i	PRON
fsr-3174	585	5	invest	invest	VERB
fsr-3174	585	6	:	:	PUNCT
fsr-3174	585	7	the	the	DET
fsr-3174	585	8	role	role	NOUN
fsr-3174	585	9	of	of	ADP
fsr-3174	585	10	risk	risk	NOUN
fsr-3174	585	11	attitudes	attitude	NOUN
fsr-3174	585	12	,	,	PUNCT
fsr-3174	585	13	risk	risk	NOUN
fsr-3174	585	14	perceptions	perception	NOUN
fsr-3174	585	15	and	and	CCONJ
fsr-3174	585	16	overconfidence	overconfidence	NOUN
fsr-3174	585	17	.	.	PUNCT
fsr-3174	586	1	decision	decision	NOUN
fsr-3174	586	2	analysis	analysis	NOUN
fsr-3174	586	3	,	,	PUNCT
fsr-3174	586	4	7(3	7(3	NUM
fsr-3174	586	5	)	)	PUNCT
fsr-3174	586	6	,	,	PUNCT
fsr-3174	586	7	282–301	282–301	NUM
fsr-3174	586	8	.	.	PUNCT
fsr-3174	587	1	oecd	oecd	PROPN
fsr-3174	587	2	/	/	SYM
fsr-3174	587	3	infe	infe	NOUN
fsr-3174	587	4	.	.	PUNCT
fsr-3174	588	1	(	(	PUNCT
fsr-3174	588	2	2016	2016	NUM
fsr-3174	588	3	)	)	PUNCT
fsr-3174	588	4	.	.	PUNCT
fsr-3174	589	1	survey	survey	NOUN
fsr-3174	589	2	of	of	ADP
fsr-3174	589	3	adult	adult	NOUN
fsr-3174	589	4	financial	financial	ADJ
fsr-3174	589	5	literacy	literacy	NOUN
fsr-3174	589	6	competencies	competency	NOUN
fsr-3174	589	7	.	.	PUNCT
fsr-3174	590	1	paris	paris	PROPN
fsr-3174	590	2	.	.	PUNCT
fsr-3174	591	1	https://www.oecd.org/daf/fin/financialeducation/oecd-infe-internationalsurvey-of-adult-financial-literacycompetencies.pdf	https://www.oecd.org/daf/fin/financialeducation/oecd-infe-internationalsurvey-of-adult-financial-literacycompetencies.pdf	PROPN
fsr-3174	591	2	oehler	oehler	NOUN
fsr-3174	591	3	,	,	PUNCT
fsr-3174	591	4	a.	a.	PROPN
fsr-3174	591	5	,	,	PUNCT
fsr-3174	591	6	&	&	CCONJ
fsr-3174	591	7	horn	horn	PROPN
fsr-3174	591	8	,	,	PUNCT
fsr-3174	591	9	m.	m.	NOUN
fsr-3174	591	10	(	(	PUNCT
fsr-3174	591	11	2019	2019	NUM
fsr-3174	591	12	)	)	PUNCT
fsr-3174	591	13	.	.	PUNCT
fsr-3174	592	1	does	do	AUX
fsr-3174	592	2	households	household	NOUN
fsr-3174	592	3	'	'	PART
fsr-3174	592	4	wealth	wealth	NOUN
fsr-3174	592	5	predict	predict	VERB
fsr-3174	592	6	the	the	DET
fsr-3174	592	7	efficiency	efficiency	NOUN
fsr-3174	592	8	of	of	ADP
fsr-3174	592	9	their	their	PRON
fsr-3174	592	10	asset	asset	NOUN
fsr-3174	592	11	mix	mix	NOUN
fsr-3174	592	12	?	?	PUNCT
fsr-3174	593	1	empirical	empirical	ADJ
fsr-3174	593	2	evidence	evidence	NOUN
fsr-3174	593	3	.	.	PUNCT
fsr-3174	594	1	review	review	NOUN
fsr-3174	594	2	of	of	ADP
fsr-3174	594	3	behavioral	behavioral	ADJ
fsr-3174	594	4	economics	economic	NOUN
fsr-3174	594	5	,	,	PUNCT
fsr-3174	594	6	6(3	6(3	NUM
fsr-3174	594	7	)	)	PUNCT
fsr-3174	594	8	,	,	PUNCT
fsr-3174	594	9	249–282	249–282	NUM
fsr-3174	594	10	.	.	PUNCT
fsr-3174	595	1	oehler	oehler	PROPN
fsr-3174	595	2	,	,	PUNCT
fsr-3174	595	3	a.	a.	PROPN
fsr-3174	595	4	,	,	PUNCT
fsr-3174	595	5	&	&	CCONJ
fsr-3174	595	6	horn	horn	PROPN
fsr-3174	595	7	,	,	PUNCT
fsr-3174	595	8	m.	m.	NOUN
fsr-3174	595	9	(	(	PUNCT
fsr-3174	595	10	2021	2021	NUM
fsr-3174	595	11	)	)	PUNCT
fsr-3174	595	12	.	.	PUNCT
fsr-3174	596	1	behavioral	behavioral	ADJ
fsr-3174	596	2	portfolio	portfolio	NOUN
fsr-3174	596	3	theory	theory	NOUN
fsr-3174	596	4	revisited	revisit	VERB
fsr-3174	596	5	:	:	PUNCT
fsr-3174	596	6	lessons	lesson	NOUN
fsr-3174	596	7	learned	learn	VERB
fsr-3174	596	8	from	from	ADP
fsr-3174	596	9	the	the	DET
fsr-3174	596	10	field	field	NOUN
fsr-3174	596	11	.	.	PUNCT
fsr-3174	597	1	accounting	accounting	NOUN
fsr-3174	597	2	and	and	CCONJ
fsr-3174	597	3	finance	finance	NOUN
fsr-3174	597	4	,	,	PUNCT
fsr-3174	597	5	61(1	61(1	NOUN
fsr-3174	597	6	)	)	PUNCT
fsr-3174	597	7	,	,	PUNCT
fsr-3174	597	8	1743–1771	1743–1771	NUM
fsr-3174	597	9	.	.	PUNCT
fsr-3174	598	1	oehler	oehler	PROPN
fsr-3174	598	2	,	,	PUNCT
fsr-3174	598	3	a.	a.	PROPN
fsr-3174	598	4	,	,	PUNCT
fsr-3174	598	5	horn	horn	NOUN
fsr-3174	598	6	,	,	PUNCT
fsr-3174	598	7	m.	m.	NOUN
fsr-3174	598	8	,	,	PUNCT
fsr-3174	598	9	&	&	CCONJ
fsr-3174	598	10	wedlich	wedlich	PROPN
fsr-3174	598	11	,	,	PUNCT
fsr-3174	598	12	f.	f.	PROPN
fsr-3174	598	13	(	(	PUNCT
fsr-3174	598	14	2018a	2018a	NUM
fsr-3174	598	15	)	)	PUNCT
fsr-3174	598	16	.	.	PUNCT
fsr-3174	599	1	young	young	ADJ
fsr-3174	599	2	adults	adult	NOUN
fsr-3174	599	3	’	'	PUNCT
fsr-3174	599	4	subjective	subjective	ADJ
fsr-3174	599	5	and	and	CCONJ
fsr-3174	599	6	objective	objective	ADJ
fsr-3174	599	7	risk	risk	NOUN
fsr-3174	599	8	attitude	attitude	NOUN
fsr-3174	599	9	in	in	ADP
fsr-3174	599	10	financial	financial	ADJ
fsr-3174	599	11	decision	decision	NOUN
fsr-3174	599	12	making	making	NOUN
fsr-3174	599	13	:	:	PUNCT
fsr-3174	599	14	evidence	evidence	NOUN
fsr-3174	599	15	from	from	ADP
fsr-3174	599	16	the	the	DET
fsr-3174	599	17	lab	lab	NOUN
fsr-3174	599	18	and	and	CCONJ
fsr-3174	599	19	the	the	DET
fsr-3174	599	20	field	field	NOUN
fsr-3174	599	21	.	.	PUNCT
fsr-3174	600	1	review	review	NOUN
fsr-3174	600	2	of	of	ADP
fsr-3174	600	3	behavioral	behavioral	ADJ
fsr-3174	600	4	finance	finance	NOUN
fsr-3174	600	5	,	,	PUNCT
fsr-3174	600	6	10(3	10(3	NUM
fsr-3174	600	7	)	)	PUNCT
fsr-3174	600	8	,	,	PUNCT
fsr-3174	600	9	274–294	274–294	NUM
fsr-3174	600	10	.	.	PUNCT
fsr-3174	601	1	oehler	oehler	PROPN
fsr-3174	601	2	,	,	PUNCT
fsr-3174	601	3	a.	a.	PROPN
fsr-3174	601	4	,	,	PUNCT
fsr-3174	601	5	horn	horn	NOUN
fsr-3174	601	6	,	,	PUNCT
fsr-3174	601	7	m.	m.	NOUN
fsr-3174	601	8	,	,	PUNCT
fsr-3174	601	9	&	&	CCONJ
fsr-3174	601	10	wendt	wendt	PROPN
fsr-3174	601	11	,	,	PUNCT
fsr-3174	601	12	s.	s.	PROPN
fsr-3174	601	13	(	(	PUNCT
fsr-3174	601	14	2022a	2022a	NUM
fsr-3174	601	15	)	)	PUNCT
fsr-3174	601	16	.	.	PUNCT
fsr-3174	602	1	investment	investment	NOUN
fsr-3174	602	2	in	in	ADP
fsr-3174	602	3	risky	risky	ADJ
fsr-3174	602	4	assets	asset	NOUN
fsr-3174	602	5	and	and	CCONJ
fsr-3174	602	6	financial	financial	ADJ
fsr-3174	602	7	market	market	NOUN
fsr-3174	602	8	participation	participation	NOUN
fsr-3174	602	9	:	:	PUNCT
fsr-3174	602	10	does	do	VERB
fsr-3174	602	11	financial	financial	ADJ
fsr-3174	602	12	literacy	literacy	NOUN
fsr-3174	602	13	matter	matter	NOUN
fsr-3174	602	14	?	?	PUNCT
fsr-3174	603	1	international	international	ADJ
fsr-3174	603	2	review	review	NOUN
fsr-3174	603	3	of	of	ADP
fsr-3174	603	4	economics	economic	NOUN
fsr-3174	603	5	(	(	PUNCT
fsr-3174	603	6	forthcoming	forthcoming	ADJ
fsr-3174	603	7	)	)	PUNCT
fsr-3174	603	8	oehler	oehler	NOUN
fsr-3174	603	9	,	,	PUNCT
fsr-3174	603	10	a.	a.	PROPN
fsr-3174	603	11	,	,	PUNCT
fsr-3174	603	12	horn	horn	NOUN
fsr-3174	603	13	,	,	PUNCT
fsr-3174	603	14	m.	m.	NOUN
fsr-3174	603	15	,	,	PUNCT
fsr-3174	603	16	&	&	CCONJ
fsr-3174	603	17	wendt	wendt	PROPN
fsr-3174	603	18	,	,	PUNCT
fsr-3174	603	19	s.	s.	PROPN
fsr-3174	603	20	(	(	PUNCT
fsr-3174	603	21	2022b	2022b	NUM
fsr-3174	603	22	)	)	PUNCT
fsr-3174	603	23	.	.	PUNCT
fsr-3174	604	1	investor	investor	NOUN
fsr-3174	604	2	characteristics	characteristic	NOUN
fsr-3174	604	3	and	and	CCONJ
fsr-3174	604	4	their	their	PRON
fsr-3174	604	5	impact	impact	NOUN
fsr-3174	604	6	on	on	ADP
fsr-3174	604	7	the	the	DET
fsr-3174	604	8	decision	decision	NOUN
fsr-3174	604	9	to	to	PART
fsr-3174	604	10	use	use	VERB
fsr-3174	604	11	a	a	DET
fsr-3174	604	12	robo	robo	NOUN
fsr-3174	604	13	-	-	PUNCT
fsr-3174	604	14	advisor	advisor	NOUN
fsr-3174	604	15	.	.	PROPN
fsr-3174	604	16	journal	journal	PROPN
fsr-3174	604	17	of	of	ADP
fsr-3174	604	18	financial	financial	ADJ
fsr-3174	604	19	services	service	NOUN
fsr-3174	604	20	research	research	NOUN
fsr-3174	604	21	,	,	PUNCT
fsr-3174	604	22	62(1	62(1	NOUN
fsr-3174	604	23	)	)	PUNCT
fsr-3174	604	24	,	,	PUNCT
fsr-3174	604	25	91	91	NUM
fsr-3174	604	26	-	-	SYM
fsr-3174	604	27	125	125	NUM
fsr-3174	604	28	.	.	PUNCT
fsr-3174	605	1	oehler	oehler	PROPN
fsr-3174	605	2	,	,	PUNCT
fsr-3174	605	3	a.	a.	PROPN
fsr-3174	605	4	,	,	PUNCT
fsr-3174	605	5	horn	horn	NOUN
fsr-3174	605	6	,	,	PUNCT
fsr-3174	605	7	m.	m.	NOUN
fsr-3174	605	8	,	,	PUNCT
fsr-3174	605	9	wendt	wendt	PROPN
fsr-3174	605	10	,	,	PUNCT
fsr-3174	605	11	s.	s.	PROPN
fsr-3174	605	12	,	,	PUNCT
fsr-3174	605	13	reisch	reisch	PROPN
fsr-3174	605	14	,	,	PUNCT
fsr-3174	605	15	l.	l.	PROPN
fsr-3174	605	16	a.	a.	PROPN
fsr-3174	605	17	,	,	PUNCT
fsr-3174	605	18	&	&	CCONJ
fsr-3174	605	19	walker	walker	PROPN
fsr-3174	605	20	,	,	PUNCT
fsr-3174	605	21	t.	t.	PROPN
fsr-3174	605	22	j.	j.	PROPN
fsr-3174	605	23	(	(	PUNCT
fsr-3174	605	24	2018b	2018b	NUM
fsr-3174	605	25	)	)	PUNCT
fsr-3174	605	26	.	.	PUNCT
fsr-3174	606	1	young	young	ADJ
fsr-3174	606	2	adults	adult	NOUN
fsr-3174	606	3	and	and	CCONJ
fsr-3174	606	4	their	their	PRON
fsr-3174	606	5	finances	finance	NOUN
fsr-3174	606	6	:	:	PUNCT
fsr-3174	606	7	an	an	DET
fsr-3174	606	8	international	international	ADJ
fsr-3174	606	9	comparative	comparative	ADJ
fsr-3174	606	10	study	study	NOUN
fsr-3174	606	11	on	on	ADP
fsr-3174	606	12	applied	apply	VERB
fsr-3174	606	13	financial	financial	ADJ
fsr-3174	606	14	literacy	literacy	NOUN
fsr-3174	606	15	.	.	PUNCT
fsr-3174	607	1	economic	economic	ADJ
fsr-3174	607	2	notes	note	NOUN
fsr-3174	607	3	,	,	PUNCT
fsr-3174	607	4	47(2	47(2	PROPN
fsr-3174	607	5	-	-	PUNCT
fsr-3174	607	6	3	3	NUM
fsr-3174	607	7	)	)	PUNCT
fsr-3174	607	8	,	,	PUNCT
fsr-3174	607	9	305	305	NUM
fsr-3174	607	10	–	–	PUNCT
fsr-3174	607	11	330	330	NUM
fsr-3174	607	12	.	.	PUNCT
fsr-3174	608	1	oehler	oehler	PROPN
fsr-3174	608	2	,	,	PUNCT
fsr-3174	608	3	a.	a.	PROPN
fsr-3174	608	4	,	,	PUNCT
fsr-3174	608	5	&	&	CCONJ
fsr-3174	608	6	werner	werner	PROPN
fsr-3174	608	7	,	,	PUNCT
fsr-3174	608	8	c.	c.	PROPN
fsr-3174	608	9	(	(	PUNCT
fsr-3174	608	10	2008	2008	NUM
fsr-3174	608	11	)	)	PUNCT
fsr-3174	608	12	.	.	PUNCT
fsr-3174	609	1	saving	save	VERB
fsr-3174	609	2	for	for	ADP
fsr-3174	609	3	retirement	retirement	NOUN
fsr-3174	609	4	—	—	PUNCT
fsr-3174	609	5	a	a	DET
fsr-3174	609	6	case	case	NOUN
fsr-3174	609	7	for	for	ADP
fsr-3174	609	8	financial	financial	ADJ
fsr-3174	609	9	education	education	NOUN
fsr-3174	609	10	in	in	ADP
fsr-3174	609	11	germany	germany	PROPN
fsr-3174	609	12	and	and	CCONJ
fsr-3174	609	13	uk	uk	PROPN
fsr-3174	609	14	?	?	PUNCT
fsr-3174	610	1	an	an	DET
fsr-3174	610	2	economic	economic	ADJ
fsr-3174	610	3	perspective	perspective	NOUN
fsr-3174	610	4	.	.	PUNCT
fsr-3174	611	1	journal	journal	NOUN
fsr-3174	611	2	of	of	ADP
fsr-3174	611	3	consumer	consumer	NOUN
fsr-3174	611	4	policy	policy	NOUN
fsr-3174	611	5	31	31	NUM
fsr-3174	611	6	,	,	PUNCT
fsr-3174	611	7	253–283	253–283	NUM
fsr-3174	611	8	.	.	PUNCT
fsr-3174	612	1	phf	phf	NOUN
fsr-3174	612	2	survey	survey	NOUN
fsr-3174	612	3	team	team	NOUN
fsr-3174	612	4	.	.	PUNCT
fsr-3174	613	1	(	(	PUNCT
fsr-3174	613	2	2019a	2019a	NUM
fsr-3174	613	3	)	)	PUNCT
fsr-3174	613	4	.	.	PUNCT
fsr-3174	614	1	phf	phf	NOUN
fsr-3174	614	2	-	-	PUNCT
fsr-3174	614	3	codebookwave3	codebookwave3	NOUN
fsr-3174	614	4	-	-	PUNCT
fsr-3174	614	5	en	en	NOUN
fsr-3174	614	6	-	-	NOUN
fsr-3174	614	7	data	data	NOUN
fsr-3174	614	8	.	.	PUNCT
fsr-3174	615	1	frankfurt	frankfurt	PROPN
fsr-3174	615	2	.	.	PUNCT
fsr-3174	615	3	https://www.bundesbank.de/resource/blo	https://www.bundesbank.de/resource/blo	PROPN
fsr-3174	615	4	b/798120/2b459c836ccd6eb62e0a13879	b/798120/2b459c836ccd6eb62e0a13879	ADJ
fsr-3174	615	5	bad399e	bad399e	NUM
fsr-3174	615	6	/	/	SYM
fsr-3174	615	7	ml	ml	NOUN
fsr-3174	615	8	/	/	SYM
fsr-3174	615	9	phf	phf	NOUN
fsr-3174	615	10	-	-	PUNCT
fsr-3174	615	11	codebook	codebook	NOUN
fsr-3174	615	12	-	-	PUNCT
fsr-3174	615	13	wave3	wave3	NOUN
fsr-3174	615	14	-	-	PUNCT
fsr-3174	615	15	endata.pdf	endata.pdf	PROPN
fsr-3174	615	16	phf	phf	NOUN
fsr-3174	615	17	survey	survey	NOUN
fsr-3174	615	18	team	team	NOUN
fsr-3174	615	19	.	.	PUNCT
fsr-3174	616	1	(	(	PUNCT
fsr-3174	616	2	2019b	2019b	NUM
fsr-3174	616	3	)	)	PUNCT
fsr-3174	616	4	.	.	PUNCT
fsr-3174	617	1	list	list	NOUN
fsr-3174	617	2	of	of	ADP
fsr-3174	617	3	derived	derive	VERB
fsr-3174	617	4	variables	variable	NOUN
fsr-3174	617	5	.	.	PUNCT
fsr-3174	618	1	frankfurt	frankfurt	PROPN
fsr-3174	618	2	.	.	PUNCT
fsr-3174	618	3	https://www.bundesbank.de/resource/blo	https://www.bundesbank.de/resource/blo	PROPN
fsr-3174	618	4	b/617436/7c64aa272805cf3c73d96cb71	b/617436/7c64aa272805cf3c73d96cb71	PROPN
fsr-3174	618	5	261730e	261730e	NUM
fsr-3174	618	6	/	/	SYM
fsr-3174	618	7	ml	ml	NOUN
fsr-3174	618	8	/	/	SYM
fsr-3174	618	9	phf	phf	NOUN
fsr-3174	618	10	-	-	PUNCT
fsr-3174	618	11	derived	derive	VERB
fsr-3174	618	12	-	-	PUNCT
fsr-3174	618	13	variablesdata.pdf	variablesdata.pdf	NOUN
fsr-3174	618	14	poterba	poterba	NOUN
fsr-3174	618	15	,	,	PUNCT
fsr-3174	618	16	j.	j.	PROPN
fsr-3174	618	17	m.	m.	PROPN
fsr-3174	618	18	,	,	PUNCT
fsr-3174	618	19	&	&	CCONJ
fsr-3174	618	20	samwick	samwick	PROPN
fsr-3174	618	21	,	,	PUNCT
fsr-3174	618	22	a.	a.	NOUN
fsr-3174	618	23	a.	a.	NOUN
fsr-3174	618	24	(	(	PUNCT
fsr-3174	618	25	2001	2001	NUM
fsr-3174	618	26	)	)	PUNCT
fsr-3174	618	27	.	.	PUNCT
fsr-3174	619	1	household	household	NOUN
fsr-3174	619	2	portfolio	portfolio	NOUN
fsr-3174	619	3	allocation	allocation	NOUN
fsr-3174	619	4	over	over	ADP
fsr-3174	619	5	the	the	DET
fsr-3174	619	6	life	life	NOUN
fsr-3174	619	7	cycle	cycle	NOUN
fsr-3174	619	8	.	.	PUNCT
fsr-3174	620	1	in	in	ADP
fsr-3174	620	2	s.	s.	PROPN
fsr-3174	620	3	ogura	ogura	PROPN
fsr-3174	620	4	et	et	PROPN
fsr-3174	620	5	al	al	PROPN
fsr-3174	620	6	.	.	PROPN
fsr-3174	621	1	(	(	PUNCT
fsr-3174	621	2	eds	ed	NOUN
fsr-3174	621	3	.	.	PUNCT
fsr-3174	621	4	)	)	PUNCT
fsr-3174	622	1	,	,	PUNCT
fsr-3174	622	2	aging	age	VERB
fsr-3174	622	3	issues	issue	NOUN
fsr-3174	622	4	in	in	ADP
fsr-3174	622	5	the	the	DET
fsr-3174	622	6	united	united	PROPN
fsr-3174	622	7	states	states	PROPN
fsr-3174	622	8	and	and	CCONJ
fsr-3174	622	9	japan	japan	PROPN
fsr-3174	622	10	.	.	PUNCT
fsr-3174	623	1	nber	nber	PROPN
fsr-3174	623	2	.	.	PUNCT
fsr-3174	624	1	oehler	oehler	PROPN
fsr-3174	624	2	&	&	CCONJ
fsr-3174	624	3	horn	horn	VERB
fsr-3174	624	4	305	305	NUM
fsr-3174	624	5	rieger	rieger	NOUN
fsr-3174	624	6	,	,	PUNCT
fsr-3174	624	7	m.	m.	NOUN
fsr-3174	624	8	o.	o.	PROPN
fsr-3174	624	9	(	(	PUNCT
fsr-3174	624	10	2020	2020	NUM
fsr-3174	624	11	)	)	PUNCT
fsr-3174	624	12	.	.	PUNCT
fsr-3174	625	1	how	how	SCONJ
fsr-3174	625	2	to	to	PART
fsr-3174	625	3	measure	measure	VERB
fsr-3174	625	4	financial	financial	ADJ
fsr-3174	625	5	literacy	literacy	NOUN
fsr-3174	625	6	?	?	PUNCT
fsr-3174	626	1	journal	journal	NOUN
fsr-3174	626	2	of	of	ADP
fsr-3174	626	3	risk	risk	NOUN
fsr-3174	626	4	financial	financial	ADJ
fsr-3174	626	5	management	management	NOUN
fsr-3174	626	6	,	,	PUNCT
fsr-3174	626	7	13(12	13(12	NUM
fsr-3174	626	8	)	)	PUNCT
fsr-3174	626	9	,	,	PUNCT
fsr-3174	626	10	324	324	NUM
fsr-3174	626	11	.	.	PUNCT
fsr-3174	627	1	riley	riley	PROPN
fsr-3174	627	2	,	,	PUNCT
fsr-3174	627	3	w.	w.	PROPN
fsr-3174	627	4	b.	b.	PROPN
fsr-3174	627	5	,	,	PUNCT
fsr-3174	627	6	&	&	CCONJ
fsr-3174	627	7	chow	chow	PROPN
fsr-3174	627	8	,	,	PUNCT
fsr-3174	627	9	k.	k.	PROPN
fsr-3174	627	10	v.	v.	PROPN
fsr-3174	627	11	(	(	PUNCT
fsr-3174	627	12	1992	1992	NUM
fsr-3174	627	13	)	)	PUNCT
fsr-3174	627	14	.	.	PUNCT
fsr-3174	628	1	asset	asset	NOUN
fsr-3174	628	2	allocation	allocation	NOUN
fsr-3174	628	3	and	and	CCONJ
fsr-3174	628	4	individual	individual	ADJ
fsr-3174	628	5	risk	risk	NOUN
fsr-3174	628	6	aversion	aversion	NOUN
fsr-3174	628	7	,	,	PUNCT
fsr-3174	628	8	financial	financial	ADJ
fsr-3174	628	9	analyst	analyst	NOUN
fsr-3174	628	10	journal	journal	NOUN
fsr-3174	628	11	,	,	PUNCT
fsr-3174	628	12	48(6	48(6	NOUN
fsr-3174	628	13	)	)	PUNCT
fsr-3174	628	14	,	,	PUNCT
fsr-3174	629	1	32–37	32–37	NUM
fsr-3174	629	2	.	.	PUNCT
fsr-3174	630	1	rossi	rossi	PROPN
fsr-3174	630	2	,	,	PUNCT
fsr-3174	630	3	a.	a.	NOUN
fsr-3174	630	4	g.	g.	PROPN
fsr-3174	630	5	,	,	PUNCT
fsr-3174	630	6	&	&	CCONJ
fsr-3174	630	7	utkus	utkus	PROPN
fsr-3174	630	8	,	,	PUNCT
fsr-3174	630	9	s.	s.	PROPN
fsr-3174	630	10	(	(	PUNCT
fsr-3174	630	11	2020	2020	NUM
fsr-3174	630	12	)	)	PUNCT
fsr-3174	630	13	.	.	PUNCT
fsr-3174	631	1	who	who	PRON
fsr-3174	631	2	benefits	benefit	VERB
fsr-3174	631	3	from	from	ADP
fsr-3174	631	4	robo	robo	NOUN
fsr-3174	631	5	-	-	PUNCT
fsr-3174	631	6	advising	advise	VERB
fsr-3174	631	7	?	?	PUNCT
fsr-3174	631	8	evidence	evidence	NOUN
fsr-3174	631	9	from	from	ADP
fsr-3174	631	10	machine	machine	NOUN
fsr-3174	631	11	learning	learning	NOUN
fsr-3174	631	12	.	.	PUNCT
fsr-3174	632	1	working	work	VERB
fsr-3174	632	2	paper	paper	NOUN
fsr-3174	632	3	.	.	PUNCT
fsr-3174	633	1	https://papers.ssrn.com/sol3/papers.cfm	https://papers.ssrn.com/sol3/papers.cfm	PROPN
fsr-3174	633	2	?	?	PROPN
fsr-3174	633	3	abstract_id=3552671	abstract_id=3552671	NOUN
fsr-3174	633	4	savalei	savalei	NOUN
fsr-3174	633	5	,	,	PUNCT
fsr-3174	633	6	v.	v.	PROPN
fsr-3174	633	7	,	,	PUNCT
fsr-3174	633	8	&	&	CCONJ
fsr-3174	633	9	bentler	bentler	NOUN
fsr-3174	633	10	,	,	PUNCT
fsr-3174	633	11	p.	p.	NOUN
fsr-3174	633	12	m.	m.	NOUN
fsr-3174	633	13	(	(	PUNCT
fsr-3174	633	14	2006	2006	NUM
fsr-3174	633	15	)	)	PUNCT
fsr-3174	633	16	.	.	PUNCT
fsr-3174	634	1	structural	structural	ADJ
fsr-3174	634	2	equation	equation	NOUN
fsr-3174	634	3	modeling	modeling	NOUN
fsr-3174	634	4	,	,	PUNCT
fsr-3174	634	5	in	in	ADP
fsr-3174	634	6	r.	r.	PROPN
fsr-3174	634	7	grover	grover	PROPN
fsr-3174	634	8	and	and	CCONJ
fsr-3174	634	9	m	m	PROPN
fsr-3174	634	10	vriens	vrien	NOUN
fsr-3174	634	11	)	)	PUNCT
fsr-3174	634	12	eds	ed	NOUN
fsr-3174	634	13	.	.	PUNCT
fsr-3174	634	14	)	)	PUNCT
fsr-3174	634	15	,	,	PUNCT
fsr-3174	634	16	the	the	DET
fsr-3174	634	17	handbook	handbook	NOUN
fsr-3174	634	18	of	of	ADP
fsr-3174	634	19	marketing	marketing	NOUN
fsr-3174	634	20	research	research	NOUN
fsr-3174	634	21	:	:	PUNCT
fsr-3174	634	22	uses	use	NOUN
fsr-3174	634	23	,	,	PUNCT
fsr-3174	634	24	misuses	misuse	NOUN
fsr-3174	634	25	,	,	PUNCT
fsr-3174	634	26	and	and	CCONJ
fsr-3174	634	27	future	future	ADJ
fsr-3174	634	28	advances	advance	NOUN
fsr-3174	634	29	.	.	PUNCT
fsr-3174	635	1	sage	sage	NOUN
fsr-3174	635	2	.	.	PUNCT
fsr-3174	636	1	schermelleh	schermelleh	NOUN
fsr-3174	636	2	-	-	PUNCT
fsr-3174	636	3	engel	engel	PROPN
fsr-3174	636	4	,	,	PUNCT
fsr-3174	636	5	k.	k.	PROPN
fsr-3174	636	6	,	,	PUNCT
fsr-3174	636	7	moosbrugger	moosbrugger	PROPN
fsr-3174	636	8	,	,	PUNCT
fsr-3174	636	9	h.	h.	PROPN
fsr-3174	636	10	,	,	PUNCT
fsr-3174	636	11	&	&	CCONJ
fsr-3174	636	12	müller	müller	PROPN
fsr-3174	636	13	,	,	PUNCT
fsr-3174	636	14	h.	h.	PROPN
fsr-3174	636	15	(	(	PUNCT
fsr-3174	636	16	2003	2003	NUM
fsr-3174	636	17	)	)	PUNCT
fsr-3174	636	18	.	.	PUNCT
fsr-3174	637	1	evaluating	evaluate	VERB
fsr-3174	637	2	the	the	DET
fsr-3174	637	3	fit	fit	NOUN
fsr-3174	637	4	of	of	ADP
fsr-3174	637	5	structural	structural	ADJ
fsr-3174	637	6	equation	equation	NOUN
fsr-3174	637	7	models	model	NOUN
fsr-3174	637	8	:	:	PUNCT
fsr-3174	637	9	tests	test	NOUN
fsr-3174	637	10	of	of	ADP
fsr-3174	637	11	significance	significance	NOUN
fsr-3174	637	12	and	and	CCONJ
fsr-3174	637	13	descriptive	descriptive	ADJ
fsr-3174	637	14	goodnessof	goodnessof	NOUN
fsr-3174	637	15	-	-	PUNCT
fsr-3174	637	16	fit	fit	NOUN
fsr-3174	637	17	measures	measure	NOUN
fsr-3174	637	18	.	.	PUNCT
fsr-3174	638	1	methods	method	NOUN
fsr-3174	638	2	of	of	ADP
fsr-3174	638	3	psychological	psychological	ADJ
fsr-3174	638	4	research	research	NOUN
fsr-3174	638	5	online	online	ADV
fsr-3174	638	6	,	,	PUNCT
fsr-3174	638	7	8(2	8(2	NUM
fsr-3174	638	8	)	)	PUNCT
fsr-3174	638	9	,	,	PUNCT
fsr-3174	638	10	23–74	23–74	NUM
fsr-3174	638	11	.	.	PUNCT
fsr-3174	639	1	schoemaker	schoemaker	NOUN
fsr-3174	639	2	,	,	PUNCT
fsr-3174	639	3	p.	p.	NOUN
fsr-3174	639	4	(	(	PUNCT
fsr-3174	639	5	1993	1993	NUM
fsr-3174	639	6	)	)	PUNCT
fsr-3174	639	7	.	.	PUNCT
fsr-3174	640	1	determinants	determinant	NOUN
fsr-3174	640	2	of	of	ADP
fsr-3174	640	3	risktaking	risktake	VERB
fsr-3174	640	4	:	:	PUNCT
fsr-3174	640	5	behavioral	behavioral	ADJ
fsr-3174	640	6	and	and	CCONJ
fsr-3174	640	7	economic	economic	ADJ
fsr-3174	640	8	views	view	NOUN
fsr-3174	640	9	.	.	PUNCT
fsr-3174	641	1	journal	journal	NOUN
fsr-3174	641	2	of	of	ADP
fsr-3174	641	3	risk	risk	NOUN
fsr-3174	641	4	and	and	CCONJ
fsr-3174	641	5	uncertainty	uncertainty	NOUN
fsr-3174	641	6	,	,	PUNCT
fsr-3174	641	7	6(1	6(1	NUM
fsr-3174	641	8	)	)	PUNCT
fsr-3174	641	9	,	,	PUNCT
fsr-3174	641	10	49–73	49–73	X
fsr-3174	641	11	.	.	PUNCT
fsr-3174	642	1	schooley	schooley	PROPN
fsr-3174	642	2	,	,	PUNCT
fsr-3174	642	3	d.	d.	PROPN
fsr-3174	642	4	k.	k.	PROPN
fsr-3174	642	5	,	,	PUNCT
fsr-3174	642	6	&	&	CCONJ
fsr-3174	642	7	worden	worden	PROPN
fsr-3174	642	8	,	,	PUNCT
fsr-3174	642	9	d.	d.	PROPN
fsr-3174	642	10	d.	d.	PROPN
fsr-3174	642	11	(	(	PUNCT
fsr-3174	642	12	1996	1996	NUM
fsr-3174	642	13	)	)	PUNCT
fsr-3174	642	14	.	.	PUNCT
fsr-3174	643	1	risk	risk	NOUN
fsr-3174	643	2	aversion	aversion	NOUN
fsr-3174	643	3	measures	measure	NOUN
fsr-3174	643	4	:	:	PUNCT
fsr-3174	643	5	comparing	compare	VERB
fsr-3174	643	6	attitudes	attitude	NOUN
fsr-3174	643	7	and	and	CCONJ
fsr-3174	643	8	asset	asset	NOUN
fsr-3174	643	9	allocation	allocation	NOUN
fsr-3174	643	10	.	.	PUNCT
fsr-3174	644	1	financial	financial	ADJ
fsr-3174	644	2	services	service	NOUN
fsr-3174	644	3	review	review	NOUN
fsr-3174	644	4	,	,	PUNCT
fsr-3174	644	5	5(2	5(2	NUM
fsr-3174	644	6	)	)	PUNCT
fsr-3174	644	7	,	,	PUNCT
fsr-3174	644	8	87–99	87–99	NUM
fsr-3174	644	9	.	.	PUNCT
fsr-3174	644	10	shefrin	shefrin	NOUN
fsr-3174	644	11	,	,	PUNCT
fsr-3174	644	12	h.	h.	PROPN
fsr-3174	644	13	m.	m.	PROPN
fsr-3174	644	14	,	,	PUNCT
fsr-3174	644	15	&	&	CCONJ
fsr-3174	644	16	statman	statman	PROPN
fsr-3174	644	17	,	,	PUNCT
fsr-3174	644	18	m.	m.	NOUN
fsr-3174	644	19	(	(	PUNCT
fsr-3174	644	20	2000	2000	NUM
fsr-3174	644	21	)	)	PUNCT
fsr-3174	644	22	.	.	PUNCT
fsr-3174	645	1	behavioral	behavioral	ADJ
fsr-3174	645	2	portfolio	portfolio	NOUN
fsr-3174	645	3	theory	theory	PROPN
fsr-3174	645	4	.	.	PUNCT
fsr-3174	646	1	journal	journal	PROPN
fsr-3174	646	2	of	of	ADP
fsr-3174	646	3	financial	financial	ADJ
fsr-3174	646	4	and	and	CCONJ
fsr-3174	646	5	quantitative	quantitative	ADJ
fsr-3174	646	6	analysis	analysis	NOUN
fsr-3174	646	7	,	,	PUNCT
fsr-3174	646	8	35(2	35(2	NUM
fsr-3174	646	9	)	)	PUNCT
fsr-3174	646	10	,	,	PUNCT
fsr-3174	646	11	127	127	NUM
fsr-3174	646	12	-	-	SYM
fsr-3174	646	13	151	151	NUM
fsr-3174	646	14	thomas	thomas	PROPN
fsr-3174	646	15	,	,	PUNCT
fsr-3174	646	16	a.	a.	PROPN
fsr-3174	646	17	,	,	PUNCT
fsr-3174	646	18	&	&	CCONJ
fsr-3174	646	19	spataro	spataro	PROPN
fsr-3174	646	20	,	,	PUNCT
fsr-3174	646	21	l.	l.	PROPN
fsr-3174	646	22	(	(	PUNCT
fsr-3174	646	23	2015	2015	NUM
fsr-3174	646	24	)	)	PUNCT
fsr-3174	646	25	.	.	PUNCT
fsr-3174	647	1	financial	financial	ADJ
fsr-3174	647	2	literacy	literacy	NOUN
fsr-3174	647	3	,	,	PUNCT
fsr-3174	647	4	human	human	ADJ
fsr-3174	647	5	capital	capital	NOUN
fsr-3174	647	6	and	and	CCONJ
fsr-3174	647	7	stock	stock	NOUN
fsr-3174	647	8	market	market	NOUN
fsr-3174	647	9	participation	participation	NOUN
fsr-3174	647	10	in	in	ADP
fsr-3174	647	11	europe	europe	PROPN
fsr-3174	647	12	:	:	PUNCT
fsr-3174	647	13	an	an	DET
fsr-3174	647	14	empirical	empirical	ADJ
fsr-3174	647	15	exercise	exercise	NOUN
fsr-3174	647	16	under	under	ADP
fsr-3174	647	17	endogenous	endogenous	ADJ
fsr-3174	647	18	framework	framework	NOUN
fsr-3174	647	19	.	.	PUNCT
fsr-3174	648	1	working	work	VERB
fsr-3174	648	2	paper	paper	NOUN
fsr-3174	648	3	.	.	PUNCT
fsr-3174	649	1	http://internationalpension-workshop.com/paperspdf/thomas.pdf	http://internationalpension-workshop.com/paperspdf/thomas.pdf	ADJ
fsr-3174	649	2	van	van	PROPN
fsr-3174	649	3	rooij	rooij	NOUN
fsr-3174	649	4	,	,	PUNCT
fsr-3174	649	5	m.	m.	NOUN
fsr-3174	649	6	,	,	PUNCT
fsr-3174	649	7	lusardi	lusardi	PROPN
fsr-3174	649	8	,	,	PUNCT
fsr-3174	649	9	a.	a.	NOUN
fsr-3174	649	10	,	,	PUNCT
fsr-3174	649	11	&	&	CCONJ
fsr-3174	649	12	alessie	alessie	PROPN
fsr-3174	649	13	,	,	PUNCT
fsr-3174	649	14	r.	r.	PROPN
fsr-3174	649	15	(	(	PUNCT
fsr-3174	649	16	2011	2011	NUM
fsr-3174	649	17	)	)	PUNCT
fsr-3174	649	18	.	.	PUNCT
fsr-3174	650	1	financial	financial	ADJ
fsr-3174	650	2	literacy	literacy	NOUN
fsr-3174	650	3	and	and	CCONJ
fsr-3174	650	4	stock	stock	NOUN
fsr-3174	650	5	market	market	NOUN
fsr-3174	650	6	participation	participation	NOUN
fsr-3174	650	7	.	.	PUNCT
fsr-3174	651	1	journal	journal	NOUN
fsr-3174	651	2	of	of	ADP
fsr-3174	651	3	financial	financial	ADJ
fsr-3174	651	4	economics	economic	NOUN
fsr-3174	651	5	,	,	PUNCT
fsr-3174	651	6	101(2	101(2	NUM
fsr-3174	651	7	)	)	PUNCT
fsr-3174	651	8	,	,	PUNCT
fsr-3174	651	9	449–472	449–472	NUM
fsr-3174	651	10	.	.	PUNCT
fsr-3174	652	1	vissing	visse	VERB
fsr-3174	652	2	-	-	PUNCT
fsr-3174	652	3	jørgensen	jørgensen	PROPN
fsr-3174	652	4	,	,	PUNCT
fsr-3174	652	5	a.	a.	NOUN
fsr-3174	652	6	(	(	PUNCT
fsr-3174	652	7	2002	2002	NUM
fsr-3174	652	8	)	)	PUNCT
fsr-3174	652	9	.	.	PUNCT
fsr-3174	653	1	limited	limited	ADJ
fsr-3174	653	2	asset	asset	NOUN
fsr-3174	653	3	market	market	NOUN
fsr-3174	653	4	participation	participation	NOUN
fsr-3174	653	5	and	and	CCONJ
fsr-3174	653	6	the	the	DET
fsr-3174	653	7	elasticity	elasticity	NOUN
fsr-3174	653	8	of	of	ADP
fsr-3174	653	9	intertemporal	intertemporal	ADJ
fsr-3174	653	10	substitution	substitution	NOUN
fsr-3174	653	11	.	.	PUNCT
fsr-3174	654	1	journal	journal	NOUN
fsr-3174	654	2	of	of	ADP
fsr-3174	654	3	political	political	ADJ
fsr-3174	654	4	economy	economy	NOUN
fsr-3174	654	5	110(4	110(4	NUM
fsr-3174	654	6	)	)	PUNCT
fsr-3174	654	7	,	,	PUNCT
fsr-3174	654	8	825–853	825–853	NUM
fsr-3174	654	9	.	.	PUNCT
fsr-3174	655	1	vissing	visse	VERB
fsr-3174	655	2	-	-	PUNCT
fsr-3174	655	3	jorgensen	jorgensen	PROPN
fsr-3174	655	4	,	,	PUNCT
fsr-3174	655	5	a.	a.	NOUN
fsr-3174	655	6	(	(	PUNCT
fsr-3174	655	7	2004	2004	NUM
fsr-3174	655	8	)	)	PUNCT
fsr-3174	655	9	.	.	PUNCT
fsr-3174	656	1	perspectives	perspective	NOUN
fsr-3174	656	2	on	on	ADP
fsr-3174	656	3	behavioral	behavioral	ADJ
fsr-3174	656	4	finance	finance	NOUN
fsr-3174	656	5	:	:	PUNCT
fsr-3174	656	6	does	do	AUX
fsr-3174	656	7	"	"	PUNCT
fsr-3174	656	8	irrationality	irrationality	NOUN
fsr-3174	656	9	"	"	PUNCT
fsr-3174	656	10	disappear	disappear	NOUN
fsr-3174	656	11	with	with	ADP
fsr-3174	656	12	wealth	wealth	NOUN
fsr-3174	656	13	?	?	PUNCT
fsr-3174	657	1	evidence	evidence	NOUN
fsr-3174	657	2	from	from	ADP
fsr-3174	657	3	expectations	expectation	NOUN
fsr-3174	657	4	and	and	CCONJ
fsr-3174	657	5	actions	action	NOUN
fsr-3174	657	6	.	.	PUNCT
fsr-3174	658	1	nber	nber	PROPN
fsr-3174	658	2	macroeconomics	macroeconomics	PROPN
fsr-3174	658	3	annual	annual	ADJ
fsr-3174	658	4	,	,	PUNCT
fsr-3174	658	5	18	18	NUM
fsr-3174	658	6	,	,	PUNCT
fsr-3174	658	7	139–194	139–194	NUM
fsr-3174	658	8	.	.	PUNCT
fsr-3174	659	1	von	von	PROPN
fsr-3174	659	2	gaudecker	gaudecker	PROPN
fsr-3174	659	3	,	,	PUNCT
fsr-3174	659	4	h.-m	h.-m	NOUN
fsr-3174	659	5	.	.	PUNCT
fsr-3174	660	1	(	(	PUNCT
fsr-3174	660	2	2015	2015	NUM
fsr-3174	660	3	)	)	PUNCT
fsr-3174	660	4	.	.	PUNCT
fsr-3174	661	1	how	how	SCONJ
fsr-3174	661	2	does	do	AUX
fsr-3174	661	3	household	household	NOUN
fsr-3174	661	4	portfolio	portfolio	NOUN
fsr-3174	661	5	diversification	diversification	NOUN
fsr-3174	661	6	vary	vary	VERB
fsr-3174	661	7	with	with	ADP
fsr-3174	661	8	financial	financial	ADJ
fsr-3174	661	9	literacy	literacy	NOUN
fsr-3174	661	10	and	and	CCONJ
fsr-3174	661	11	financial	financial	ADJ
fsr-3174	661	12	advice	advice	NOUN
fsr-3174	661	13	?	?	PUNCT
fsr-3174	662	1	journal	journal	NOUN
fsr-3174	662	2	of	of	ADP
fsr-3174	662	3	finance	finance	NOUN
fsr-3174	662	4	,	,	PUNCT
fsr-3174	662	5	70(2	70(2	PROPN
fsr-3174	662	6	)	)	PUNCT
fsr-3174	662	7	,	,	PUNCT
fsr-3174	662	8	489	489	NUM
fsr-3174	662	9	–	–	PUNCT
fsr-3174	662	10	507	507	NUM
fsr-3174	662	11	.	.	PUNCT
fsr-3174	663	1	von	von	PROPN
fsr-3174	663	2	kalckreuth	kalckreuth	PROPN
fsr-3174	663	3	,	,	PUNCT
fsr-3174	663	4	u.	u.	PROPN
fsr-3174	663	5	,	,	PUNCT
fsr-3174	663	6	eisele	eisele	PROPN
fsr-3174	663	7	,	,	PUNCT
fsr-3174	663	8	m.	m.	NOUN
fsr-3174	663	9	,	,	PUNCT
fsr-3174	663	10	le	le	X
fsr-3174	663	11	blanc	blanc	PROPN
fsr-3174	663	12	,	,	PUNCT
fsr-3174	663	13	j.	j.	PROPN
fsr-3174	663	14	,	,	PUNCT
fsr-3174	663	15	schmidt	schmidt	PROPN
fsr-3174	663	16	,	,	PUNCT
fsr-3174	663	17	t.	t.	PROPN
fsr-3174	663	18	,	,	PUNCT
fsr-3174	663	19	&	&	CCONJ
fsr-3174	663	20	zhu	zhu	PROPN
fsr-3174	663	21	,	,	PUNCT
fsr-3174	663	22	j.	j.	PROPN
fsr-3174	663	23	(	(	PUNCT
fsr-3174	663	24	2012	2012	NUM
fsr-3174	663	25	)	)	PUNCT
fsr-3174	663	26	.	.	PUNCT
fsr-3174	664	1	the	the	DET
fsr-3174	664	2	phf	phf	NOUN
fsr-3174	664	3	:	:	PUNCT
fsr-3174	664	4	a	a	DET
fsr-3174	664	5	comprehensive	comprehensive	ADJ
fsr-3174	664	6	panel	panel	NOUN
fsr-3174	664	7	survey	survey	NOUN
fsr-3174	664	8	on	on	ADP
fsr-3174	664	9	household	household	NOUN
fsr-3174	664	10	finances	finance	NOUN
fsr-3174	664	11	and	and	CCONJ
fsr-3174	664	12	wealth	wealth	NOUN
fsr-3174	664	13	in	in	ADP
fsr-3174	664	14	germany	germany	PROPN
fsr-3174	664	15	.	.	PUNCT
fsr-3174	665	1	discussion	discussion	NOUN
fsr-3174	665	2	paper	paper	NOUN
fsr-3174	665	3	.	.	PUNCT
fsr-3174	666	1	deutsche	deutsche	PROPN
fsr-3174	666	2	bundesbank	bundesbank	PROPN
fsr-3174	666	3	,	,	PUNCT
fsr-3174	666	4	frankfurt	frankfurt	PROPN
fsr-3174	666	5	am	be	AUX
fsr-3174	666	6	main	main	ADJ
fsr-3174	666	7	.	.	PUNCT
fsr-3174	667	1	https://papers.ssrn.com/sol3/papers.cfm	https://papers.ssrn.com/sol3/papers.cfm	PROPN
fsr-3174	667	2	?	?	PROPN
fsr-3174	667	3	abstract_id=2796868	abstract_id=2796868	PROPN
fsr-3174	667	4	wang	wang	PROPN
fsr-3174	667	5	,	,	PUNCT
fsr-3174	667	6	h.	h.	PROPN
fsr-3174	667	7	,	,	PUNCT
fsr-3174	667	8	&	&	CCONJ
fsr-3174	667	9	hanna	hanna	PROPN
fsr-3174	667	10	,	,	PUNCT
fsr-3174	667	11	s.	s.	PROPN
fsr-3174	667	12	(	(	PUNCT
fsr-3174	667	13	1997	1997	NUM
fsr-3174	667	14	)	)	PUNCT
fsr-3174	667	15	.	.	PUNCT
fsr-3174	668	1	does	do	AUX
fsr-3174	668	2	risk	risk	VERB
fsr-3174	668	3	tolerance	tolerance	NOUN
fsr-3174	668	4	decrease	decrease	NOUN
fsr-3174	668	5	with	with	ADP
fsr-3174	668	6	age	age	NOUN
fsr-3174	668	7	?	?	PUNCT
fsr-3174	669	1	journal	journal	NOUN
fsr-3174	669	2	of	of	ADP
fsr-3174	669	3	financial	financial	ADJ
fsr-3174	669	4	counseling	counseling	NOUN
fsr-3174	669	5	and	and	CCONJ
fsr-3174	669	6	planning	planning	NOUN
fsr-3174	669	7	,	,	PUNCT
fsr-3174	669	8	8(2	8(2	NUM
fsr-3174	669	9	)	)	PUNCT
fsr-3174	669	10	,	,	PUNCT
fsr-3174	669	11	27–31	27–31	PROPN
fsr-3174	669	12	.	.	PUNCT
fsr-3174	670	1	weiber	weiber	PROPN
fsr-3174	670	2	,	,	PUNCT
fsr-3174	670	3	r.	r.	PROPN
fsr-3174	670	4	,	,	PUNCT
fsr-3174	670	5	&	&	CCONJ
fsr-3174	670	6	mühlhaus	mühlhaus	PROPN
fsr-3174	670	7	,	,	PUNCT
fsr-3174	670	8	d.	d.	PROPN
fsr-3174	670	9	(	(	PUNCT
fsr-3174	670	10	2014	2014	NUM
fsr-3174	670	11	)	)	PUNCT
fsr-3174	670	12	.	.	PUNCT
fsr-3174	671	1	strukturgleichungsmodellierung	strukturgleichungsmodellierung	PROPN
fsr-3174	671	2	.	.	PROPN
fsr-3174	671	3	eine	eine	PROPN
fsr-3174	671	4	anwendungsorientierte	anwendungsorientierte	PROPN
fsr-3174	671	5	einführung	einführung	PROPN
fsr-3174	671	6	in	in	ADP
fsr-3174	671	7	die	die	PROPN
fsr-3174	671	8	kausalanalyse	kausalanalyse	PROPN
fsr-3174	671	9	mit	mit	PROPN
fsr-3174	671	10	hilfe	hilfe	PROPN
fsr-3174	671	11	von	von	PROPN
fsr-3174	671	12	amos	amos	PROPN
fsr-3174	671	13	(	(	PUNCT
fsr-3174	671	14	2nd	2nd	PROPN
fsr-3174	671	15	ed	ed	NOUN
fsr-3174	671	16	.	.	PUNCT
fsr-3174	671	17	)	)	PUNCT
fsr-3174	671	18	.	.	PUNCT
fsr-3174	672	1	smartpls	smartpls	PROPN
fsr-3174	672	2	und	und	VERB
fsr-3174	672	3	spss	spss	PROPN
fsr-3174	672	4	.	.	PUNCT
fsr-3174	673	1	springer	springer	PROPN
fsr-3174	673	2	.	.	PUNCT
fsr-3174	674	1	weston	weston	PROPN
fsr-3174	674	2	,	,	PUNCT
fsr-3174	674	3	r.	r.	PROPN
fsr-3174	674	4	,	,	PUNCT
fsr-3174	674	5	&	&	CCONJ
fsr-3174	674	6	gore	gore	PROPN
fsr-3174	674	7	,	,	PUNCT
fsr-3174	674	8	p.	p.	NOUN
fsr-3174	674	9	a.	a.	NOUN
fsr-3174	674	10	(	(	PUNCT
fsr-3174	674	11	2006	2006	NUM
fsr-3174	674	12	)	)	PUNCT
fsr-3174	674	13	.	.	PUNCT
fsr-3174	675	1	a	a	DET
fsr-3174	675	2	brief	brief	ADJ
fsr-3174	675	3	guide	guide	NOUN
fsr-3174	675	4	to	to	ADP
fsr-3174	675	5	structural	structural	ADJ
fsr-3174	675	6	equation	equation	NOUN
fsr-3174	675	7	modeling	modeling	NOUN
fsr-3174	675	8	.	.	PUNCT
fsr-3174	676	1	the	the	DET
fsr-3174	676	2	counseling	counseling	NOUN
fsr-3174	676	3	psychologist	psychologist	NOUN
fsr-3174	676	4	,	,	PUNCT
fsr-3174	676	5	34(5	34(5	PROPN
fsr-3174	676	6	)	)	PUNCT
fsr-3174	676	7	,	,	PUNCT
fsr-3174	676	8	719	719	NUM
fsr-3174	676	9	–	–	PUNCT
fsr-3174	676	10	751	751	NUM
fsr-3174	676	11	.	.	PUNCT
fsr-3174	677	1	xiao	xiao	PROPN
fsr-3174	677	2	,	,	PUNCT
fsr-3174	677	3	j.	j.	PROPN
fsr-3174	677	4	j.	j.	PROPN
fsr-3174	677	5	(	(	PUNCT
fsr-3174	677	6	2016	2016	NUM
fsr-3174	677	7	)	)	PUNCT
fsr-3174	677	8	.	.	PUNCT
fsr-3174	678	1	consumer	consumer	NOUN
fsr-3174	678	2	financial	financial	ADJ
fsr-3174	678	3	capability	capability	NOUN
fsr-3174	678	4	and	and	CCONJ
fsr-3174	678	5	wellbeing	wellbee	VERB
fsr-3174	678	6	in	in	ADP
fsr-3174	678	7	j.	j.	PROPN
fsr-3174	678	8	j.	j.	PROPN
fsr-3174	678	9	xiao	xiao	PROPN
fsr-3174	678	10	(	(	PUNCT
fsr-3174	678	11	ed	ed	NOUN
fsr-3174	678	12	.	.	PUNCT
fsr-3174	678	13	)	)	PUNCT
fsr-3174	678	14	,	,	PUNCT
fsr-3174	678	15	handbook	handbook	NOUN
fsr-3174	678	16	of	of	ADP
fsr-3174	678	17	consumer	consumer	NOUN
fsr-3174	678	18	finance	finance	NOUN
fsr-3174	678	19	research	research	NOUN
fsr-3174	678	20	(	(	PUNCT
fsr-3174	678	21	2nd	2nd	ADJ
fsr-3174	678	22	ed	ed	NOUN
fsr-3174	678	23	.	.	PUNCT
fsr-3174	678	24	)	)	PUNCT
fsr-3174	678	25	.	.	PUNCT
fsr-3174	679	1	springer	springer	NOUN
fsr-3174	679	2	.	.	PUNCT
fsr-3174	680	1	xiao	xiao	PROPN
fsr-3174	680	2	,	,	PUNCT
fsr-3174	680	3	j.	j.	PROPN
fsr-3174	680	4	j.	j.	PROPN
fsr-3174	680	5	,	,	PUNCT
fsr-3174	680	6	&	&	CCONJ
fsr-3174	680	7	o'neill	o'neill	PROPN
fsr-3174	680	8	,	,	PUNCT
fsr-3174	680	9	b.	b.	PROPN
fsr-3174	680	10	(	(	PUNCT
fsr-3174	680	11	2016	2016	NUM
fsr-3174	680	12	)	)	PUNCT
fsr-3174	680	13	.	.	PUNCT
fsr-3174	681	1	consumer	consumer	NOUN
fsr-3174	681	2	financial	financial	ADJ
fsr-3174	681	3	education	education	NOUN
fsr-3174	681	4	and	and	CCONJ
fsr-3174	681	5	financial	financial	ADJ
fsr-3174	681	6	capability	capability	NOUN
fsr-3174	681	7	.	.	PUNCT
fsr-3174	682	1	international	international	ADJ
fsr-3174	682	2	journal	journal	PROPN
fsr-3174	682	3	of	of	ADP
fsr-3174	682	4	consumer	consumer	NOUN
fsr-3174	682	5	studies	study	NOUN
fsr-3174	682	6	,	,	PUNCT
fsr-3174	682	7	40(6	40(6	NOUN
fsr-3174	682	8	)	)	PUNCT
fsr-3174	682	9	,	,	PUNCT
fsr-3174	682	10	712–721	712–721	NUM
fsr-3174	682	11	.	.	PUNCT