id	sid	tid	token	lemma	pos
fsr-3182	1	1	finser_23_1	finser_23_1	PROPN
fsr-3182	1	2	academy	academy	NOUN
fsr-3182	1	3	of	of	ADP
fsr-3182	1	4	financial	financial	ADJ
fsr-3182	1	5	services	service	NOUN
fsr-3182	1	6	officers	officer	NOUN
fsr-3182	1	7	president	president	PROPN
fsr-3182	1	8	lance	lance	PROPN
fsr-3182	1	9	palmer	palmer	PROPN
fsr-3182	1	10	university	university	PROPN
fsr-3182	1	11	of	of	ADP
fsr-3182	1	12	georgia	georgia	PROPN
fsr-3182	1	13	president	president	PROPN
fsr-3182	1	14	-	-	PUNCT
fsr-3182	1	15	elect	elect	PROPN
fsr-3182	1	16	william	william	PROPN
fsr-3182	1	17	chittenden	chittenden	PROPN
fsr-3182	1	18	texas	texas	PROPN
fsr-3182	1	19	state	state	PROPN
fsr-3182	1	20	university	university	PROPN
fsr-3182	1	21	executive	executive	ADJ
fsr-3182	1	22	vice	vice	NOUN
fsr-3182	1	23	president	president	NOUN
fsr-3182	1	24	-	-	PUNCT
fsr-3182	1	25	program	program	NOUN
fsr-3182	1	26	thomas	thomas	PROPN
fsr-3182	1	27	coe	coe	PROPN
fsr-3182	1	28	quinnipiac	quinnipiac	PROPN
fsr-3182	1	29	university	university	PROPN
fsr-3182	1	30	vice	vice	PROPN
fsr-3182	1	31	president	president	NOUN
fsr-3182	1	32	-	-	PUNCT
fsr-3182	1	33	communications	communication	NOUN
fsr-3182	1	34	christine	christine	PROPN
fsr-3182	1	35	mcclatchey	mcclatchey	PROPN
fsr-3182	1	36	university	university	PROPN
fsr-3182	1	37	of	of	ADP
fsr-3182	1	38	northern	northern	PROPN
fsr-3182	1	39	colorado	colorado	PROPN
fsr-3182	1	40	vice	vice	NOUN
fsr-3182	1	41	president	president	NOUN
fsr-3182	1	42	-	-	PUNCT
fsr-3182	1	43	finance	finance	NOUN
fsr-3182	1	44	diane	diane	NOUN
fsr-3182	1	45	docking	dock	VERB
fsr-3182	1	46	northern	northern	PROPN
fsr-3182	1	47	illinois	illinois	PROPN
fsr-3182	1	48	university	university	PROPN
fsr-3182	1	49	thomas	thomas	PROPN
fsr-3182	1	50	langdon	langdon	PROPN
fsr-3182	1	51	roger	roger	PROPN
fsr-3182	1	52	williams	williams	PROPN
fsr-3182	1	53	university	university	PROPN
fsr-3182	1	54	vice	vice	PROPN
fsr-3182	1	55	president	president	PROPN
fsr-3182	1	56	-	-	PUNCT
fsr-3182	1	57	international	international	ADJ
fsr-3182	1	58	relations	relation	NOUN
fsr-3182	1	59	claire	claire	PROPN
fsr-3182	1	60	matthews	matthews	PROPN
fsr-3182	1	61	massey	massey	PROPN
fsr-3182	1	62	university	university	PROPN
fsr-3182	1	63	vice	vice	NOUN
fsr-3182	1	64	president	president	NOUN
fsr-3182	1	65	-	-	PUNCT
fsr-3182	1	66	professional	professional	ADJ
fsr-3182	1	67	organizations	organization	NOUN
fsr-3182	1	68	tom	tom	PROPN
fsr-3182	1	69	warschauer	warschauer	PROPN
fsr-3182	1	70	san	san	PROPN
fsr-3182	1	71	diego	diego	PROPN
fsr-3182	1	72	state	state	PROPN
fsr-3182	1	73	university	university	PROPN
fsr-3182	1	74	vice	vice	NOUN
fsr-3182	1	75	president	president	NOUN
fsr-3182	1	76	-	-	PUNCT
fsr-3182	1	77	mktg	mktg	PROPN
fsr-3182	1	78	&	&	CCONJ
fsr-3182	1	79	public	public	ADJ
fsr-3182	1	80	relations	relation	NOUN
fsr-3182	1	81	a.	a.	PROPN
fsr-3182	1	82	william	william	PROPN
fsr-3182	1	83	gustafson	gustafson	PROPN
fsr-3182	1	84	texas	texas	PROPN
fsr-3182	1	85	tech	tech	PROPN
fsr-3182	1	86	university	university	PROPN
fsr-3182	1	87	vice	vice	NOUN
fsr-3182	1	88	president	president	NOUN
fsr-3182	1	89	-	-	PUNCT
fsr-3182	1	90	membership	membership	NOUN
fsr-3182	1	91	larry	larry	PROPN
fsr-3182	1	92	prather	prather	PROPN
fsr-3182	1	93	southeastern	southeastern	PROPN
fsr-3182	1	94	oklahoma	oklahoma	PROPN
fsr-3182	1	95	state	state	PROPN
fsr-3182	1	96	university	university	PROPN
fsr-3182	1	97	vp	vp	PROPN
fsr-3182	1	98	local	local	ADJ
fsr-3182	1	99	arrangements	arrangement	NOUN
fsr-3182	1	100	2014	2014	NUM
fsr-3182	1	101	duncan	duncan	PROPN
fsr-3182	1	102	williams	williams	PROPN
fsr-3182	1	103	william	william	PROPN
fsr-3182	1	104	patterson	patterson	PROPN
fsr-3182	1	105	university	university	PROPN
fsr-3182	1	106	vp	vp	PROPN
fsr-3182	1	107	local	local	ADJ
fsr-3182	1	108	arrangements	arrangement	NOUN
fsr-3182	1	109	2015	2015	NUM
fsr-3182	1	110	benjamin	benjamin	PROPN
fsr-3182	1	111	cummings	cummings	PROPN
fsr-3182	1	112	saint	saint	PROPN
fsr-3182	1	113	joseph	joseph	PROPN
fsr-3182	1	114	’s	’s	PART
fsr-3182	1	115	university	university	PROPN
fsr-3182	1	116	immediate	immediate	ADJ
fsr-3182	1	117	past	past	PROPN
fsr-3182	1	118	president	president	PROPN
fsr-3182	1	119	frank	frank	PROPN
fsr-3182	1	120	laatsch	laatsch	PROPN
fsr-3182	1	121	univ	univ	PROPN
fsr-3182	1	122	.	.	PROPN
fsr-3182	2	1	of	of	ADP
fsr-3182	2	2	southern	southern	ADJ
fsr-3182	2	3	mississippi	mississippi	PROPN
fsr-3182	2	4	editor	editor	NOUN
fsr-3182	2	5	,	,	PUNCT
fsr-3182	2	6	financial	financial	ADJ
fsr-3182	2	7	services	service	NOUN
fsr-3182	2	8	review	review	VERB
fsr-3182	2	9	stuart	stuart	PROPN
fsr-3182	2	10	michelson	michelson	PROPN
fsr-3182	2	11	stetson	stetson	PROPN
fsr-3182	2	12	university	university	PROPN
fsr-3182	2	13	directors	director	NOUN
fsr-3182	2	14	robert	robert	PROPN
fsr-3182	2	15	moreschi	moreschi	PROPN
fsr-3182	2	16	virginia	virginia	PROPN
fsr-3182	2	17	military	military	PROPN
fsr-3182	2	18	institute	institute	PROPN
fsr-3182	2	19	dale	dale	PROPN
fsr-3182	2	20	domian	domian	PROPN
fsr-3182	2	21	york	york	PROPN
fsr-3182	2	22	university	university	PROPN
fsr-3182	2	23	charles	charles	PROPN
fsr-3182	2	24	chaffin	chaffin	PROPN
fsr-3182	2	25	cfp	cfp	PROPN
fsr-3182	2	26	board	board	PROPN
fsr-3182	2	27	of	of	ADP
fsr-3182	2	28	standards	standard	NOUN
fsr-3182	2	29	rich	rich	ADJ
fsr-3182	2	30	fortin	fortin	PROPN
fsr-3182	2	31	new	new	PROPN
fsr-3182	2	32	mexico	mexico	PROPN
fsr-3182	2	33	state	state	PROPN
fsr-3182	2	34	university	university	PROPN
fsr-3182	2	35	grady	grady	PROPN
fsr-3182	2	36	perdue	perdue	PROPN
fsr-3182	2	37	university	university	PROPN
fsr-3182	2	38	of	of	ADP
fsr-3182	2	39	houston	houston	PROPN
fsr-3182	2	40	clear	clear	PROPN
fsr-3182	2	41	lake	lake	PROPN
fsr-3182	2	42	jacob	jacob	PROPN
fsr-3182	2	43	sybrowsky	sybrowsky	PROPN
fsr-3182	2	44	utah	utah	PROPN
fsr-3182	2	45	valley	valley	PROPN
fsr-3182	2	46	university	university	PROPN
fsr-3182	2	47	past	past	PROPN
fsr-3182	2	48	presidents	president	NOUN
fsr-3182	2	49	frank	frank	PROPN
fsr-3182	2	50	laatsch	laatsch	PROPN
fsr-3182	2	51	,	,	PUNCT
fsr-3182	2	52	2012	2012	NUM
fsr-3182	2	53	-	-	SYM
fsr-3182	2	54	13	13	NUM
fsr-3182	2	55	univ	univ	PROPN
fsr-3182	2	56	.	.	PROPN
fsr-3182	3	1	of	of	ADP
fsr-3182	3	2	southern	southern	PROPN
fsr-3182	3	3	mississippi	mississippi	PROPN
fsr-3182	3	4	brian	brian	PROPN
fsr-3182	3	5	boscaljon	boscaljon	PROPN
fsr-3182	4	1	,	,	PUNCT
fsr-3182	4	2	2011	2011	NUM
fsr-3182	4	3	-	-	SYM
fsr-3182	4	4	12	12	NUM
fsr-3182	4	5	penn	penn	PROPN
fsr-3182	4	6	state	state	PROPN
fsr-3182	4	7	university	university	PROPN
fsr-3182	4	8	-	-	PUNCT
fsr-3182	4	9	erie	erie	PROPN
fsr-3182	4	10	halil	halil	PROPN
fsr-3182	4	11	kiymaz	kiymaz	PROPN
fsr-3182	4	12	,	,	PUNCT
fsr-3182	4	13	2010	2010	NUM
fsr-3182	4	14	-	-	SYM
fsr-3182	4	15	11	11	NUM
fsr-3182	4	16	rollins	rollin	NOUN
fsr-3182	4	17	college	college	PROPN
fsr-3182	4	18	of	of	ADP
fsr-3182	4	19	business	business	PROPN
fsr-3182	4	20	david	david	PROPN
fsr-3182	4	21	lange	lange	PROPN
fsr-3182	4	22	,	,	PUNCT
fsr-3182	4	23	2009	2009	NUM
fsr-3182	4	24	-	-	SYM
fsr-3182	4	25	10	10	NUM
fsr-3182	4	26	auburn	auburn	NOUN
fsr-3182	4	27	university	university	PROPN
fsr-3182	4	28	,	,	PUNCT
fsr-3182	4	29	montgomery	montgomery	PROPN
fsr-3182	4	30	vickie	vickie	PROPN
fsr-3182	4	31	hampton	hampton	PROPN
fsr-3182	4	32	,	,	PUNCT
fsr-3182	4	33	2008	2008	NUM
fsr-3182	4	34	-	-	SYM
fsr-3182	4	35	09	09	NUM
fsr-3182	4	36	texas	texas	PROPN
fsr-3182	4	37	tech	tech	PROPN
fsr-3182	4	38	university	university	PROPN
fsr-3182	4	39	frank	frank	PROPN
fsr-3182	4	40	laatsch	laatsch	PROPN
fsr-3182	4	41	2007	2007	NUM
fsr-3182	4	42	-	-	SYM
fsr-3182	4	43	08	08	NUM
fsr-3182	4	44	university	university	PROPN
fsr-3182	4	45	of	of	ADP
fsr-3182	4	46	southern	southern	PROPN
fsr-3182	4	47	mississippi	mississippi	PROPN
fsr-3182	4	48	daniel	daniel	PROPN
fsr-3182	4	49	walz	walz	PROPN
fsr-3182	4	50	,	,	PUNCT
fsr-3182	4	51	2006	2006	NUM
fsr-3182	4	52	-	-	SYM
fsr-3182	4	53	07	07	NUM
fsr-3182	4	54	trinity	trinity	NOUN
fsr-3182	4	55	university	university	PROPN
fsr-3182	4	56	anne	anne	PROPN
fsr-3182	4	57	gleason	gleason	PROPN
fsr-3182	4	58	,	,	PUNCT
fsr-3182	4	59	2005	2005	NUM
fsr-3182	4	60	-	-	SYM
fsr-3182	4	61	06	06	NUM
fsr-3182	4	62	college	college	PROPN
fsr-3182	4	63	of	of	ADP
fsr-3182	4	64	charleston	charleston	PROPN
fsr-3182	4	65	stuart	stuart	PROPN
fsr-3182	4	66	michelson	michelson	PROPN
fsr-3182	4	67	,	,	PUNCT
fsr-3182	4	68	2004	2004	NUM
fsr-3182	4	69	-	-	SYM
fsr-3182	4	70	05	05	NUM
fsr-3182	4	71	stetson	stetson	PROPN
fsr-3182	4	72	university	university	PROPN
fsr-3182	4	73	grady	grady	PROPN
fsr-3182	4	74	perdue	perdue	PROPN
fsr-3182	4	75	,	,	PUNCT
fsr-3182	4	76	2003	2003	NUM
fsr-3182	4	77	-	-	SYM
fsr-3182	4	78	04	04	NUM
fsr-3182	4	79	university	university	PROPN
fsr-3182	4	80	of	of	ADP
fsr-3182	4	81	houston	houston	PROPN
fsr-3182	4	82	-	-	PUNCT
fsr-3182	4	83	clear	clear	PROPN
fsr-3182	4	84	lake	lake	PROPN
fsr-3182	4	85	vickie	vickie	PROPN
fsr-3182	4	86	bajtelsmit	bajtelsmit	NOUN
fsr-3182	4	87	,	,	PUNCT
fsr-3182	4	88	2002	2002	NUM
fsr-3182	4	89	-	-	SYM
fsr-3182	4	90	03	03	NUM
fsr-3182	4	91	colorado	colorado	PROPN
fsr-3182	4	92	state	state	PROPN
fsr-3182	4	93	university	university	PROPN
fsr-3182	4	94	karen	karen	PROPN
fsr-3182	4	95	eilers	eilers	PROPN
fsr-3182	4	96	lahey	lahey	PROPN
fsr-3182	4	97	,	,	PUNCT
fsr-3182	4	98	2001	2001	NUM
fsr-3182	4	99	-	-	SYM
fsr-3182	4	100	02	02	NUM
fsr-3182	4	101	university	university	PROPN
fsr-3182	4	102	of	of	ADP
fsr-3182	4	103	akron	akron	PROPN
fsr-3182	4	104	tom	tom	PROPN
fsr-3182	4	105	eyssell	eyssell	PROPN
fsr-3182	4	106	,	,	PUNCT
fsr-3182	4	107	2000	2000	NUM
fsr-3182	4	108	-	-	SYM
fsr-3182	4	109	01	01	NUM
fsr-3182	4	110	university	university	PROPN
fsr-3182	4	111	of	of	ADP
fsr-3182	4	112	missouri	missouri	PROPN
fsr-3182	4	113	-	-	PROPN
fsr-3182	4	114	st	st	PROPN
fsr-3182	4	115	.	.	PROPN
fsr-3182	4	116	louis	louis	PROPN
fsr-3182	4	117	jill	jill	PROPN
fsr-3182	4	118	lynn	lynn	PROPN
fsr-3182	4	119	vihtelic	vihtelic	PROPN
fsr-3182	4	120	,	,	PUNCT
fsr-3182	4	121	1999	1999	NUM
fsr-3182	4	122	-	-	SYM
fsr-3182	4	123	00	00	NUM
fsr-3182	4	124	saint	saint	PROPN
fsr-3182	4	125	mary	mary	PROPN
fsr-3182	4	126	’s	’s	PART
fsr-3182	4	127	college	college	PROPN
fsr-3182	4	128	terry	terry	PROPN
fsr-3182	4	129	zivney	zivney	PROPN
fsr-3182	4	130	,	,	PUNCT
fsr-3182	4	131	1998	1998	NUM
fsr-3182	4	132	-	-	SYM
fsr-3182	4	133	99	99	NUM
fsr-3182	4	134	ball	ball	NOUN
fsr-3182	4	135	state	state	NOUN
fsr-3182	4	136	university	university	PROPN
fsr-3182	4	137	don	don	PROPN
fsr-3182	4	138	holdren	holdren	NOUN
fsr-3182	4	139	,	,	PUNCT
fsr-3182	4	140	1997	1997	NUM
fsr-3182	4	141	-	-	SYM
fsr-3182	4	142	98	98	NUM
fsr-3182	4	143	marshall	marshall	PROPN
fsr-3182	4	144	university	university	PROPN
fsr-3182	4	145	robert	robert	PROPN
fsr-3182	4	146	mcleod	mcleod	PROPN
fsr-3182	4	147	,	,	PUNCT
fsr-3182	4	148	1996	1996	NUM
fsr-3182	4	149	-	-	SYM
fsr-3182	4	150	97	97	NUM
fsr-3182	4	151	university	university	PROPN
fsr-3182	4	152	of	of	ADP
fsr-3182	4	153	alabama	alabama	PROPN
fsr-3182	4	154	walt	walt	PROPN
fsr-3182	4	155	woerheide	woerheide	PROPN
fsr-3182	4	156	,	,	PUNCT
fsr-3182	4	157	1995	1995	NUM
fsr-3182	4	158	-	-	SYM
fsr-3182	4	159	96	96	NUM
fsr-3182	4	160	the	the	DET
fsr-3182	4	161	american	american	PROPN
fsr-3182	4	162	college	college	PROPN
fsr-3182	4	163	dixie	dixie	PROPN
fsr-3182	4	164	mills	mill	NOUN
fsr-3182	4	165	,	,	PUNCT
fsr-3182	4	166	1994	1994	NUM
fsr-3182	4	167	-95	-95	SYM
fsr-3182	4	168	illinois	illinois	PROPN
fsr-3182	4	169	state	state	PROPN
fsr-3182	4	170	university	university	PROPN
fsr-3182	4	171	ted	te	VERB
fsr-3182	4	172	veit	veit	PROPN
fsr-3182	4	173	,	,	PUNCT
fsr-3182	4	174	1993	1993	NUM
fsr-3182	4	175	-	-	SYM
fsr-3182	4	176	94	94	NUM
fsr-3182	4	177	rollins	rollins	PROPN
fsr-3182	4	178	college	college	PROPN
fsr-3182	4	179	mona	mona	PROPN
fsr-3182	4	180	gardner	gardner	PROPN
fsr-3182	4	181	,	,	PUNCT
fsr-3182	4	182	1992	1992	NUM
fsr-3182	4	183	-	-	SYM
fsr-3182	4	184	93	93	NUM
fsr-3182	4	185	illinois	illinois	PROPN
fsr-3182	4	186	wesleyan	wesleyan	PROPN
fsr-3182	4	187	university	university	PROPN
fsr-3182	4	188	jean	jean	PROPN
fsr-3182	4	189	l.	l.	PROPN
fsr-3182	4	190	heck	heck	PROPN
fsr-3182	4	191	,	,	PUNCT
fsr-3182	4	192	1991	1991	NUM
fsr-3182	4	193	-	-	SYM
fsr-3182	4	194	92	92	NUM
fsr-3182	4	195	villanova	villanova	PROPN
fsr-3182	4	196	university	university	PROPN
fsr-3182	4	197	frank	frank	PROPN
fsr-3182	4	198	k.	k.	PROPN
fsr-3182	4	199	reilly	reilly	PROPN
fsr-3182	4	200	,	,	PUNCT
fsr-3182	4	201	1990	1990	NUM
fsr-3182	4	202	-	-	SYM
fsr-3182	4	203	91	91	NUM
fsr-3182	4	204	university	university	NOUN
fsr-3182	4	205	of	of	ADP
fsr-3182	4	206	notre	notre	PROPN
fsr-3182	4	207	dame	dame	PROPN
fsr-3182	4	208	lawrence	lawrence	PROPN
fsr-3182	4	209	j.	j.	PROPN
fsr-3182	4	210	gitman	gitman	PROPN
fsr-3182	4	211	,	,	PUNCT
fsr-3182	4	212	1989	1989	NUM
fsr-3182	4	213	-	-	SYM
fsr-3182	4	214	90	90	NUM
fsr-3182	4	215	san	san	PROPN
fsr-3182	4	216	diego	diego	PROPN
fsr-3182	4	217	state	state	PROPN
fsr-3182	4	218	university	university	PROPN
fsr-3182	4	219	travis	travis	PROPN
fsr-3182	4	220	s.	s.	PROPN
fsr-3182	4	221	pritchett	pritchett	PROPN
fsr-3182	4	222	,	,	PUNCT
fsr-3182	4	223	1988	1988	NUM
fsr-3182	4	224	-	-	SYM
fsr-3182	4	225	89	89	NUM
fsr-3182	4	226	university	university	NOUN
fsr-3182	4	227	of	of	ADP
fsr-3182	4	228	south	south	PROPN
fsr-3182	4	229	carolina	carolina	PROPN
fsr-3182	4	230	tom	tom	PROPN
fsr-3182	4	231	potts	potts	PROPN
fsr-3182	4	232	,	,	PUNCT
fsr-3182	4	233	1987	1987	NUM
fsr-3182	4	234	-	-	SYM
fsr-3182	4	235	88	88	NUM
fsr-3182	4	236	baylor	baylor	NOUN
fsr-3182	4	237	university	university	PROPN
fsr-3182	4	238	robert	robert	PROPN
fsr-3182	4	239	f.	f.	PROPN
fsr-3182	4	240	bohn	bohn	PROPN
fsr-3182	4	241	,	,	PUNCT
fsr-3182	4	242	1986	1986	NUM
fsr-3182	4	243	-	-	SYM
fsr-3182	4	244	87	87	NUM
fsr-3182	4	245	golden	golden	PROPN
fsr-3182	4	246	gate	gate	PROPN
fsr-3182	4	247	university	university	PROPN
fsr-3182	4	248	tom	tom	PROPN
fsr-3182	4	249	warschauer	warschauer	PROPN
fsr-3182	4	250	,	,	PUNCT
fsr-3182	4	251	1985	1985	NUM
fsr-3182	4	252	-	-	SYM
fsr-3182	4	253	86	86	NUM
fsr-3182	4	254	san	san	PROPN
fsr-3182	4	255	diego	diego	PROPN
fsr-3182	4	256	state	state	PROPN
fsr-3182	4	257	university	university	PROPN
fsr-3182	4	258	published	publish	VERB
fsr-3182	4	259	in	in	ADP
fsr-3182	4	260	collaboration	collaboration	NOUN
fsr-3182	4	261	with	with	ADP
fsr-3182	4	262	the	the	DET
fsr-3182	4	263	financial	financial	ADJ
fsr-3182	4	264	planning	planning	PROPN
fsr-3182	4	265	association	association	PROPN
fsr-3182	4	266	financial	financial	PROPN
fsr-3182	4	267	services	service	NOUN
fsr-3182	4	268	review	review	NOUN
fsr-3182	4	269	is	be	AUX
fsr-3182	4	270	the	the	DET
fsr-3182	4	271	journal	journal	NOUN
fsr-3182	4	272	of	of	ADP
fsr-3182	4	273	the	the	DET
fsr-3182	4	274	academy	academy	NOUN
fsr-3182	4	275	of	of	ADP
fsr-3182	4	276	financial	financial	ADJ
fsr-3182	4	277	services	service	NOUN
fsr-3182	4	278	.	.	PUNCT
fsr-3182	5	1	membership	membership	NOUN
fsr-3182	5	2	dues	due	NOUN
fsr-3182	5	3	of	of	ADP
fsr-3182	5	4	$	$	SYM
fsr-3182	5	5	75	75	NUM
fsr-3182	5	6	to	to	ADP
fsr-3182	5	7	the	the	DET
fsr-3182	5	8	academy	academy	NOUN
fsr-3182	5	9	include	include	VERB
fsr-3182	5	10	a	a	DET
fsr-3182	5	11	one	one	NUM
fsr-3182	5	12	-	-	PUNCT
fsr-3182	5	13	year	year	NOUN
fsr-3182	5	14	subscription	subscription	NOUN
fsr-3182	5	15	to	to	ADP
fsr-3182	5	16	the	the	DET
fsr-3182	5	17	journal	journal	NOUN
fsr-3182	5	18	.	.	PUNCT
fsr-3182	6	1	financial	financial	ADJ
fsr-3182	6	2	planning	planning	PROPN
fsr-3182	6	3	association	association	NOUN
fsr-3182	6	4	members	member	NOUN
fsr-3182	6	5	receive	receive	VERB
fsr-3182	6	6	digital	digital	ADJ
fsr-3182	6	7	access	access	NOUN
fsr-3182	6	8	to	to	ADP
fsr-3182	6	9	the	the	DET
fsr-3182	6	10	current	current	ADJ
fsr-3182	6	11	volume	volume	NOUN
fsr-3182	6	12	/	/	SYM
fsr-3182	6	13	issue	issue	NOUN
fsr-3182	6	14	of	of	ADP
fsr-3182	6	15	the	the	DET
fsr-3182	6	16	journal	journal	NOUN
fsr-3182	6	17	.	.	PUNCT
fsr-3182	7	1	membership	membership	NOUN
fsr-3182	7	2	forms	form	NOUN
fsr-3182	7	3	can	can	AUX
fsr-3182	7	4	be	be	AUX
fsr-3182	7	5	downloaded	download	VERB
fsr-3182	7	6	from	from	ADP
fsr-3182	7	7	the	the	DET
fsr-3182	7	8	journal	journal	NOUN
fsr-3182	7	9	website	website	NOUN
fsr-3182	7	10	at	at	ADP
fsr-3182	7	11	http://www.academyfinancial.org	http://www.academyfinancial.org	PROPN
fsr-3182	7	12	.	.	PUNCT
fsr-3182	8	1	or	or	CCONJ
fsr-3182	8	2	for	for	ADP
fsr-3182	8	3	membership	membership	NOUN
fsr-3182	8	4	,	,	PUNCT
fsr-3182	8	5	subscription	subscription	NOUN
fsr-3182	8	6	,	,	PUNCT
fsr-3182	8	7	and	and	CCONJ
fsr-3182	8	8	address	address	NOUN
fsr-3182	8	9	change	change	NOUN
fsr-3182	8	10	notification	notification	NOUN
fsr-3182	8	11	,	,	PUNCT
fsr-3182	8	12	please	please	INTJ
fsr-3182	8	13	contact	contact	VERB
fsr-3182	8	14	stuart	stuart	PROPN
fsr-3182	8	15	michelson	michelson	PROPN
fsr-3182	8	16	,	,	PUNCT
fsr-3182	8	17	school	school	NOUN
fsr-3182	8	18	of	of	ADP
fsr-3182	8	19	business	business	NOUN
fsr-3182	8	20	,	,	PUNCT
fsr-3182	8	21	stetson	stetson	NOUN
fsr-3182	8	22	university	university	NOUN
fsr-3182	8	23	,	,	PUNCT
fsr-3182	8	24	421	421	NUM
fsr-3182	8	25	n.	n.	PROPN
fsr-3182	8	26	woodland	woodland	NOUN
fsr-3182	8	27	blvd	blvd	PROPN
fsr-3182	8	28	.	.	PUNCT
fsr-3182	8	29	,	,	PUNCT
fsr-3182	8	30	unit	unit	NOUN
fsr-3182	8	31	8398	8398	NUM
fsr-3182	8	32	,	,	PUNCT
fsr-3182	8	33	deland	deland	PROPN
fsr-3182	8	34	,	,	PUNCT
fsr-3182	8	35	fl	fl	PROPN
fsr-3182	8	36	32723	32723	NUM
fsr-3182	8	37	.	.	PUNCT
fsr-3182	9	1	email	email	NOUN
fsr-3182	9	2	:	:	PUNCT
fsr-3182	9	3	smichels@stetson.edu	smichels@stetson.edu	X
fsr-3182	9	4	.	.	PUNCT
fsr-3182	9	5	editorial	editorial	NOUN
fsr-3182	9	6	:	:	PUNCT
fsr-3182	9	7	authors	author	NOUN
fsr-3182	9	8	should	should	AUX
fsr-3182	9	9	submit	submit	VERB
fsr-3182	9	10	their	their	PRON
fsr-3182	9	11	papers	paper	NOUN
fsr-3182	9	12	electronically	electronically	ADV
fsr-3182	9	13	(	(	PUNCT
fsr-3182	9	14	word	word	NOUN
fsr-3182	9	15	format	format	NOUN
fsr-3182	9	16	,	,	PUNCT
fsr-3182	9	17	please	please	INTJ
fsr-3182	9	18	)	)	PUNCT
fsr-3182	9	19	as	as	ADP
fsr-3182	9	20	an	an	DET
fsr-3182	9	21	e	e	NOUN
fsr-3182	9	22	-	-	NOUN
fsr-3182	9	23	mail	mail	NOUN
fsr-3182	9	24	attachment	attachment	NOUN
fsr-3182	9	25	to	to	ADP
fsr-3182	9	26	the	the	DET
fsr-3182	9	27	editor	editor	NOUN
fsr-3182	9	28	at	at	ADP
fsr-3182	9	29	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3182	9	30	.	.	PUNCT
fsr-3182	10	1	afs	afs	PROPN
fsr-3182	10	2	member	member	NOUN
fsr-3182	10	3	submission	submission	NOUN
fsr-3182	10	4	fees	fee	NOUN
fsr-3182	10	5	are	be	AUX
fsr-3182	10	6	$	$	SYM
fsr-3182	10	7	50	50	NUM
fsr-3182	10	8	.	.	PUNCT
fsr-3182	11	1	the	the	DET
fsr-3182	11	2	afs	afs	PROPN
fsr-3182	11	3	non	non	ADJ
fsr-3182	11	4	-	-	NOUN
fsr-3182	11	5	member	member	ADJ
fsr-3182	11	6	submission	submission	NOUN
fsr-3182	11	7	fee	fee	NOUN
fsr-3182	11	8	is	be	AUX
fsr-3182	11	9	$	$	SYM
fsr-3182	11	10	125	125	NUM
fsr-3182	11	11	,	,	PUNCT
fsr-3182	11	12	which	which	PRON
fsr-3182	11	13	includes	include	VERB
fsr-3182	11	14	a	a	DET
fsr-3182	11	15	one	one	NUM
fsr-3182	11	16	year	year	NOUN
fsr-3182	11	17	membership	membership	NOUN
fsr-3182	11	18	to	to	ADP
fsr-3182	11	19	afs	afs	PROPN
fsr-3182	11	20	.	.	PUNCT
fsr-3182	12	1	concurrent	concurrent	ADJ
fsr-3182	12	2	with	with	ADP
fsr-3182	12	3	the	the	DET
fsr-3182	12	4	submission	submission	NOUN
fsr-3182	12	5	,	,	PUNCT
fsr-3182	12	6	please	please	INTJ
fsr-3182	12	7	pay	pay	VERB
fsr-3182	12	8	online	online	ADV
fsr-3182	12	9	or	or	CCONJ
fsr-3182	12	10	mail	mail	VERB
fsr-3182	12	11	a	a	DET
fsr-3182	12	12	check	check	NOUN
fsr-3182	12	13	(	(	PUNCT
fsr-3182	12	14	for	for	ADP
fsr-3182	12	15	us	us	PROPN
fsr-3182	12	16	funds	fund	NOUN
fsr-3182	12	17	)	)	PUNCT
fsr-3182	12	18	payable	payable	ADJ
fsr-3182	12	19	to	to	ADP
fsr-3182	12	20	afs	afs	NOUN
fsr-3182	12	21	to	to	ADP
fsr-3182	12	22	stuart	stuart	PROPN
fsr-3182	12	23	michelson	michelson	PROPN
fsr-3182	12	24	at	at	ADP
fsr-3182	12	25	the	the	DET
fsr-3182	12	26	address	address	NOUN
fsr-3182	12	27	above	above	ADV
fsr-3182	12	28	.	.	PUNCT
fsr-3182	13	1	should	should	AUX
fsr-3182	13	2	a	a	DET
fsr-3182	13	3	manuscript	manuscript	NOUN
fsr-3182	13	4	revision	revision	NOUN
fsr-3182	13	5	be	be	AUX
fsr-3182	13	6	invited	invite	VERB
fsr-3182	13	7	,	,	PUNCT
fsr-3182	13	8	no	no	DET
fsr-3182	13	9	additional	additional	ADJ
fsr-3182	13	10	fees	fee	NOUN
fsr-3182	13	11	will	will	AUX
fsr-3182	13	12	be	be	AUX
fsr-3182	13	13	required	require	VERB
fsr-3182	13	14	.	.	PUNCT
fsr-3182	14	1	style	style	NOUN
fsr-3182	14	2	information	information	NOUN
fsr-3182	14	3	for	for	ADP
fsr-3182	14	4	manuscripts	manuscript	NOUN
fsr-3182	14	5	is	be	AUX
fsr-3182	14	6	on	on	ADP
fsr-3182	14	7	the	the	DET
fsr-3182	14	8	inside	inside	ADJ
fsr-3182	14	9	back	back	ADJ
fsr-3182	14	10	cover	cover	NOUN
fsr-3182	14	11	of	of	ADP
fsr-3182	14	12	this	this	DET
fsr-3182	14	13	journal	journal	NOUN
fsr-3182	14	14	.	.	PUNCT
fsr-3182	15	1	copyright	copyright	NOUN
fsr-3182	15	2	©	©	PROPN
fsr-3182	15	3	2014	2014	NUM
fsr-3182	15	4	academy	academy	NOUN
fsr-3182	15	5	of	of	ADP
fsr-3182	15	6	financial	financial	ADJ
fsr-3182	15	7	services	service	NOUN
fsr-3182	15	8	.	.	PUNCT
fsr-3182	16	1	all	all	DET
fsr-3182	16	2	rights	right	NOUN
fsr-3182	16	3	of	of	ADP
fsr-3182	16	4	reproduction	reproduction	NOUN
fsr-3182	16	5	in	in	ADP
fsr-3182	16	6	any	any	DET
fsr-3182	16	7	form	form	NOUN
fsr-3182	16	8	reserved	reserve	VERB
fsr-3182	16	9	.	.	PUNCT
fsr-3182	17	1	financial	financial	ADJ
fsr-3182	17	2	services	service	NOUN
fsr-3182	17	3	review	review	VERB
fsr-3182	17	4	the	the	DET
fsr-3182	17	5	journal	journal	NOUN
fsr-3182	17	6	of	of	ADP
fsr-3182	17	7	individual	individual	ADJ
fsr-3182	17	8	financial	financial	ADJ
fsr-3182	17	9	management	management	NOUN
fsr-3182	17	10	vol	vol	NOUN
fsr-3182	17	11	.	.	PROPN
fsr-3182	18	1	23	23	NUM
fsr-3182	18	2	,	,	PUNCT
fsr-3182	18	3	no	no	INTJ
fsr-3182	18	4	.	.	NOUN
fsr-3182	18	5	1	1	NUM
fsr-3182	18	6	,	,	PUNCT
fsr-3182	18	7	2014	2014	NUM
fsr-3182	18	8	editor	editor	NOUN
fsr-3182	18	9	stuart	stuart	PROPN
fsr-3182	18	10	michelson	michelson	PROPN
fsr-3182	18	11	,	,	PUNCT
fsr-3182	18	12	stetson	stetson	PROPN
fsr-3182	18	13	university	university	PROPN
fsr-3182	18	14	associate	associate	NOUN
fsr-3182	18	15	editors	editor	NOUN
fsr-3182	18	16	benefits	benefit	NOUN
fsr-3182	18	17	and	and	CCONJ
fsr-3182	18	18	retirement	retirement	NOUN
fsr-3182	18	19	planning	planning	NOUN
fsr-3182	18	20	vickie	vickie	PROPN
fsr-3182	18	21	bajtelsmit	bajtelsmit	PROPN
fsr-3182	18	22	colorado	colorado	PROPN
fsr-3182	18	23	state	state	PROPN
fsr-3182	18	24	university	university	PROPN
fsr-3182	18	25	stephen	stephen	PROPN
fsr-3182	18	26	m.	m.	PROPN
fsr-3182	18	27	horan	horan	PROPN
fsr-3182	18	28	cfa	cfa	PROPN
fsr-3182	18	29	institute	institute	PROPN
fsr-3182	18	30	walter	walter	PROPN
fsr-3182	18	31	woerheide	woerheide	VERB
fsr-3182	18	32	the	the	DET
fsr-3182	18	33	american	american	PROPN
fsr-3182	18	34	college	college	PROPN
fsr-3182	18	35	estate	estate	PROPN
fsr-3182	18	36	planning	planning	NOUN
fsr-3182	18	37	ning	ning	PROPN
fsr-3182	18	38	tang	tang	PROPN
fsr-3182	18	39	san	san	PROPN
fsr-3182	18	40	diego	diego	PROPN
fsr-3182	18	41	state	state	PROPN
fsr-3182	18	42	university	university	PROPN
fsr-3182	18	43	investments	investment	NOUN
fsr-3182	18	44	robert	robert	PROPN
fsr-3182	18	45	brooks	brooks	PROPN
fsr-3182	18	46	university	university	PROPN
fsr-3182	18	47	of	of	ADP
fsr-3182	18	48	alabama	alabama	PROPN
fsr-3182	18	49	dale	dale	PROPN
fsr-3182	18	50	domian	domian	PROPN
fsr-3182	18	51	york	york	PROPN
fsr-3182	18	52	university	university	PROPN
fsr-3182	18	53	jim	jim	PROPN
fsr-3182	18	54	gilkeson	gilkeson	PROPN
fsr-3182	18	55	university	university	PROPN
fsr-3182	18	56	of	of	ADP
fsr-3182	18	57	central	central	PROPN
fsr-3182	18	58	florida	florida	PROPN
fsr-3182	18	59	jason	jason	PROPN
fsr-3182	18	60	greene	greene	PROPN
fsr-3182	18	61	georgia	georgia	PROPN
fsr-3182	18	62	state	state	PROPN
fsr-3182	18	63	university	university	PROPN
fsr-3182	18	64	william	william	PROPN
fsr-3182	18	65	jennings	jennings	PROPN
fsr-3182	18	66	united	united	PROPN
fsr-3182	18	67	states	states	PROPN
fsr-3182	18	68	air	air	PROPN
fsr-3182	18	69	force	force	PROPN
fsr-3182	18	70	academy	academy	PROPN
fsr-3182	18	71	larry	larry	PROPN
fsr-3182	18	72	prather	prather	PROPN
fsr-3182	18	73	southeastern	southeastern	PROPN
fsr-3182	18	74	oklahoma	oklahoma	PROPN
fsr-3182	18	75	state	state	PROPN
fsr-3182	18	76	university	university	PROPN
fsr-3182	18	77	insurance	insurance	NOUN
fsr-3182	18	78	larry	larry	PROPN
fsr-3182	18	79	cox	cox	PROPN
fsr-3182	18	80	university	university	PROPN
fsr-3182	18	81	of	of	ADP
fsr-3182	18	82	mississippi	mississippi	PROPN
fsr-3182	18	83	david	david	PROPN
fsr-3182	18	84	lange	lange	PROPN
fsr-3182	18	85	auburn	auburn	PROPN
fsr-3182	18	86	university	university	PROPN
fsr-3182	18	87	financial	financial	ADJ
fsr-3182	18	88	institutions	institution	NOUN
fsr-3182	18	89	stanley	stanley	PROPN
fsr-3182	18	90	d.	d.	PROPN
fsr-3182	18	91	smith	smith	PROPN
fsr-3182	18	92	university	university	PROPN
fsr-3182	18	93	of	of	ADP
fsr-3182	18	94	central	central	PROPN
fsr-3182	18	95	florida	florida	PROPN
fsr-3182	18	96	investor	investor	NOUN
fsr-3182	18	97	psychology	psychology	NOUN
fsr-3182	18	98	and	and	CCONJ
fsr-3182	18	99	counseling	counsel	VERB
fsr-3182	18	100	john	john	PROPN
fsr-3182	18	101	nofsinger	nofsinger	PROPN
fsr-3182	18	102	washington	washington	PROPN
fsr-3182	18	103	state	state	PROPN
fsr-3182	18	104	university	university	PROPN
fsr-3182	18	105	meir	meir	PROPN
fsr-3182	18	106	statman	statman	PROPN
fsr-3182	18	107	santa	santa	PROPN
fsr-3182	18	108	clara	clara	PROPN
fsr-3182	18	109	university	university	PROPN
fsr-3182	18	110	real	real	ADJ
fsr-3182	18	111	estate	estate	NOUN
fsr-3182	18	112	james	james	PROPN
fsr-3182	18	113	larsen	larsen	PROPN
fsr-3182	18	114	wright	wright	PROPN
fsr-3182	18	115	state	state	PROPN
fsr-3182	18	116	university	university	PROPN
fsr-3182	18	117	karen	karen	PROPN
fsr-3182	18	118	eilers	eiler	VERB
fsr-3182	18	119	lahey	lahey	PROPN
fsr-3182	18	120	the	the	DET
fsr-3182	18	121	university	university	PROPN
fsr-3182	18	122	of	of	ADP
fsr-3182	18	123	akron	akron	PROPN
fsr-3182	18	124	international	international	PROPN
fsr-3182	18	125	bill	bill	PROPN
fsr-3182	18	126	blair	blair	PROPN
fsr-3182	18	127	macquarie	macquarie	PROPN
fsr-3182	18	128	university	university	PROPN
fsr-3182	18	129	s.	s.	PROPN
fsr-3182	18	130	j.	j.	PROPN
fsr-3182	18	131	chang	chang	PROPN
fsr-3182	18	132	illinois	illinois	PROPN
fsr-3182	18	133	state	state	PROPN
fsr-3182	18	134	university	university	PROPN
fsr-3182	18	135	lawrence	lawrence	PROPN
fsr-3182	18	136	rose	rise	VERB
fsr-3182	18	137	massey	massey	PROPN
fsr-3182	18	138	university	university	PROPN
fsr-3182	18	139	sharon	sharon	PROPN
fsr-3182	18	140	taylor	taylor	PROPN
fsr-3182	18	141	university	university	PROPN
fsr-3182	18	142	of	of	ADP
fsr-3182	18	143	western	western	PROPN
fsr-3182	18	144	sydney	sydney	PROPN
fsr-3182	18	145	education	education	PROPN
fsr-3182	19	1	jean	jean	PROPN
fsr-3182	19	2	louis	louis	PROPN
fsr-3182	19	3	heck	heck	PROPN
fsr-3182	19	4	saint	saint	PROPN
fsr-3182	19	5	joseph	joseph	PROPN
fsr-3182	19	6	’s	’s	PART
fsr-3182	19	7	university	university	PROPN
fsr-3182	19	8	financial	financial	ADJ
fsr-3182	19	9	planning	planning	NOUN
fsr-3182	19	10	profession	profession	NOUN
fsr-3182	19	11	tom	tom	PROPN
fsr-3182	19	12	warschauer	warschauer	PROPN
fsr-3182	19	13	san	san	PROPN
fsr-3182	19	14	diego	diego	PROPN
fsr-3182	19	15	state	state	PROPN
fsr-3182	19	16	university	university	PROPN
fsr-3182	19	17	co	co	VERB
fsr-3182	19	18	-	-	VERB
fsr-3182	19	19	published	publish	VERB
fsr-3182	19	20	by	by	ADP
fsr-3182	19	21	the	the	DET
fsr-3182	19	22	academy	academy	NOUN
fsr-3182	19	23	of	of	ADP
fsr-3182	19	24	financial	financial	ADJ
fsr-3182	19	25	services	service	NOUN
fsr-3182	19	26	and	and	CCONJ
fsr-3182	19	27	the	the	DET
fsr-3182	19	28	financial	financial	ADJ
fsr-3182	19	29	planning	planning	NOUN
fsr-3182	19	30	association	association	PROPN
fsr-3182	19	31	the	the	DET
fsr-3182	19	32	editor	editor	NOUN
fsr-3182	19	33	of	of	ADP
fsr-3182	19	34	financial	financial	ADJ
fsr-3182	19	35	services	service	NOUN
fsr-3182	19	36	review	review	VERB
fsr-3182	19	37	wishes	wish	VERB
fsr-3182	19	38	to	to	PART
fsr-3182	19	39	thank	thank	VERB
fsr-3182	19	40	the	the	DET
fsr-3182	19	41	stetson	stetson	NOUN
fsr-3182	19	42	university	university	NOUN
fsr-3182	19	43	,	,	PUNCT
fsr-3182	19	44	school	school	NOUN
fsr-3182	19	45	of	of	ADP
fsr-3182	19	46	business	business	NOUN
fsr-3182	19	47	,	,	PUNCT
fsr-3182	19	48	for	for	ADP
fsr-3182	19	49	its	its	PRON
fsr-3182	19	50	continuing	continue	VERB
fsr-3182	19	51	financial	financial	ADJ
fsr-3182	19	52	and	and	CCONJ
fsr-3182	19	53	intellectual	intellectual	ADJ
fsr-3182	19	54	support	support	NOUN
fsr-3182	19	55	of	of	ADP
fsr-3182	19	56	the	the	DET
fsr-3182	19	57	journal	journal	NOUN
fsr-3182	19	58	.	.	PUNCT
fsr-3182	20	1	aims	aim	NOUN
fsr-3182	20	2	and	and	CCONJ
fsr-3182	20	3	scope	scope	NOUN
fsr-3182	20	4	:	:	PUNCT
fsr-3182	20	5	financial	financial	ADJ
fsr-3182	20	6	services	service	NOUN
fsr-3182	20	7	review	review	NOUN
fsr-3182	20	8	is	be	AUX
fsr-3182	20	9	the	the	DET
fsr-3182	20	10	official	official	ADJ
fsr-3182	20	11	publication	publication	NOUN
fsr-3182	20	12	of	of	ADP
fsr-3182	20	13	the	the	DET
fsr-3182	20	14	academy	academy	NOUN
fsr-3182	20	15	of	of	ADP
fsr-3182	20	16	financial	financial	ADJ
fsr-3182	20	17	services	service	NOUN
fsr-3182	20	18	.	.	PUNCT
fsr-3182	21	1	the	the	DET
fsr-3182	21	2	purpose	purpose	NOUN
fsr-3182	21	3	of	of	ADP
fsr-3182	21	4	this	this	DET
fsr-3182	21	5	refereed	refereed	ADJ
fsr-3182	21	6	academic	academic	ADJ
fsr-3182	21	7	journal	journal	NOUN
fsr-3182	21	8	is	be	AUX
fsr-3182	21	9	to	to	PART
fsr-3182	21	10	encourage	encourage	VERB
fsr-3182	21	11	rigorous	rigorous	ADJ
fsr-3182	21	12	empirical	empirical	ADJ
fsr-3182	21	13	research	research	NOUN
fsr-3182	21	14	that	that	PRON
fsr-3182	21	15	examines	examine	VERB
fsr-3182	21	16	individual	individual	ADJ
fsr-3182	21	17	behavior	behavior	NOUN
fsr-3182	21	18	in	in	ADP
fsr-3182	21	19	terms	term	NOUN
fsr-3182	21	20	of	of	ADP
fsr-3182	21	21	financial	financial	ADJ
fsr-3182	21	22	planning	planning	NOUN
fsr-3182	21	23	and	and	CCONJ
fsr-3182	21	24	services	service	NOUN
fsr-3182	21	25	.	.	PUNCT
fsr-3182	22	1	in	in	ADP
fsr-3182	22	2	contrast	contrast	NOUN
fsr-3182	22	3	to	to	ADP
fsr-3182	22	4	the	the	DET
fsr-3182	22	5	many	many	ADJ
fsr-3182	22	6	corporate	corporate	ADJ
fsr-3182	22	7	or	or	CCONJ
fsr-3182	22	8	institutional	institutional	ADJ
fsr-3182	22	9	journals	journal	NOUN
fsr-3182	22	10	that	that	PRON
fsr-3182	22	11	are	be	AUX
fsr-3182	22	12	available	available	ADJ
fsr-3182	22	13	in	in	ADP
fsr-3182	22	14	finance	finance	NOUN
fsr-3182	22	15	,	,	PUNCT
fsr-3182	22	16	the	the	DET
fsr-3182	22	17	focus	focus	NOUN
fsr-3182	22	18	of	of	ADP
fsr-3182	22	19	this	this	DET
fsr-3182	22	20	journal	journal	NOUN
fsr-3182	22	21	is	be	AUX
fsr-3182	22	22	on	on	ADP
fsr-3182	22	23	individual	individual	ADJ
fsr-3182	22	24	financial	financial	ADJ
fsr-3182	22	25	issues	issue	NOUN
fsr-3182	22	26	.	.	PUNCT
fsr-3182	23	1	the	the	DET
fsr-3182	23	2	journal	journal	NOUN
fsr-3182	23	3	provides	provide	VERB
fsr-3182	23	4	a	a	DET
fsr-3182	23	5	forum	forum	NOUN
fsr-3182	23	6	for	for	ADP
fsr-3182	23	7	those	those	PRON
fsr-3182	23	8	who	who	PRON
fsr-3182	23	9	are	be	AUX
fsr-3182	23	10	interested	interested	ADJ
fsr-3182	23	11	in	in	ADP
fsr-3182	23	12	the	the	DET
fsr-3182	23	13	individual	individual	ADJ
fsr-3182	23	14	perspective	perspective	NOUN
fsr-3182	23	15	on	on	ADP
fsr-3182	23	16	issues	issue	NOUN
fsr-3182	23	17	in	in	ADP
fsr-3182	23	18	the	the	DET
fsr-3182	23	19	areas	area	NOUN
fsr-3182	23	20	of	of	ADP
fsr-3182	23	21	financial	financial	ADJ
fsr-3182	23	22	services	service	NOUN
fsr-3182	23	23	,	,	PUNCT
fsr-3182	23	24	employee	employee	NOUN
fsr-3182	23	25	benefits	benefit	NOUN
fsr-3182	23	26	,	,	PUNCT
fsr-3182	23	27	estate	estate	NOUN
fsr-3182	23	28	and	and	CCONJ
fsr-3182	23	29	tax	tax	NOUN
fsr-3182	23	30	planning	planning	NOUN
fsr-3182	23	31	,	,	PUNCT
fsr-3182	23	32	financial	financial	ADJ
fsr-3182	23	33	counseling	counseling	NOUN
fsr-3182	23	34	,	,	PUNCT
fsr-3182	23	35	financial	financial	ADJ
fsr-3182	23	36	planning	planning	NOUN
fsr-3182	23	37	,	,	PUNCT
fsr-3182	23	38	insurance	insurance	NOUN
fsr-3182	23	39	,	,	PUNCT
fsr-3182	23	40	investments	investment	NOUN
fsr-3182	23	41	,	,	PUNCT
fsr-3182	23	42	mutual	mutual	ADJ
fsr-3182	23	43	funds	fund	NOUN
fsr-3182	23	44	,	,	PUNCT
fsr-3182	23	45	pension	pension	NOUN
fsr-3182	23	46	and	and	CCONJ
fsr-3182	23	47	retirement	retirement	NOUN
fsr-3182	23	48	planning	planning	NOUN
fsr-3182	23	49	,	,	PUNCT
fsr-3182	23	50	and	and	CCONJ
fsr-3182	23	51	real	real	ADJ
fsr-3182	23	52	estate	estate	NOUN
fsr-3182	23	53	.	.	PUNCT
fsr-3182	24	1	publication	publication	NOUN
fsr-3182	24	2	information	information	NOUN
fsr-3182	24	3	.	.	PUNCT
fsr-3182	25	1	financial	financial	ADJ
fsr-3182	25	2	services	service	NOUN
fsr-3182	25	3	review	review	NOUN
fsr-3182	25	4	is	be	AUX
fsr-3182	25	5	co	co	VERB
fsr-3182	25	6	-	-	VERB
fsr-3182	25	7	published	publish	VERB
fsr-3182	25	8	quarterly	quarterly	NOUN
fsr-3182	25	9	by	by	ADP
fsr-3182	25	10	the	the	DET
fsr-3182	25	11	academy	academy	PROPN
fsr-3182	25	12	of	of	ADP
fsr-3182	25	13	financial	financial	ADJ
fsr-3182	25	14	services	service	NOUN
fsr-3182	25	15	,	,	PUNCT
fsr-3182	25	16	and	and	CCONJ
fsr-3182	25	17	the	the	DET
fsr-3182	25	18	financial	financial	ADJ
fsr-3182	25	19	planning	planning	PROPN
fsr-3182	25	20	association	association	PROPN
fsr-3182	25	21	.	.	PUNCT
fsr-3182	26	1	institutional	institutional	ADJ
fsr-3182	26	2	subscription	subscription	NOUN
fsr-3182	26	3	price	price	NOUN
fsr-3182	26	4	for	for	ADP
fsr-3182	26	5	the	the	DET
fsr-3182	26	6	year	year	NOUN
fsr-3182	26	7	2014	2014	NUM
fsr-3182	26	8	is	be	AUX
fsr-3182	26	9	$	$	SYM
fsr-3182	26	10	100	100	NUM
fsr-3182	26	11	.	.	PUNCT
fsr-3182	27	1	personal	personal	ADJ
fsr-3182	27	2	subscription	subscription	NOUN
fsr-3182	27	3	price	price	NOUN
fsr-3182	27	4	for	for	ADP
fsr-3182	27	5	the	the	DET
fsr-3182	27	6	year	year	NOUN
fsr-3182	27	7	2014	2014	NUM
fsr-3182	27	8	is	be	AUX
fsr-3182	27	9	$	$	SYM
fsr-3182	27	10	75	75	NUM
fsr-3182	27	11	and	and	CCONJ
fsr-3182	27	12	is	be	AUX
fsr-3182	27	13	available	available	ADJ
fsr-3182	27	14	by	by	ADP
fsr-3182	27	15	joining	join	VERB
fsr-3182	27	16	the	the	DET
fsr-3182	27	17	academy	academy	NOUN
fsr-3182	27	18	of	of	ADP
fsr-3182	27	19	financial	financial	ADJ
fsr-3182	27	20	services	service	NOUN
fsr-3182	27	21	.	.	PUNCT
fsr-3182	28	1	further	further	ADJ
fsr-3182	28	2	information	information	NOUN
fsr-3182	28	3	on	on	ADP
fsr-3182	28	4	this	this	DET
fsr-3182	28	5	journal	journal	NOUN
fsr-3182	28	6	and	and	CCONJ
fsr-3182	28	7	the	the	DET
fsr-3182	28	8	academy	academy	NOUN
fsr-3182	28	9	of	of	ADP
fsr-3182	28	10	financial	financial	ADJ
fsr-3182	28	11	services	service	NOUN
fsr-3182	28	12	is	be	AUX
fsr-3182	28	13	available	available	ADJ
fsr-3182	28	14	from	from	ADP
fsr-3182	28	15	the	the	DET
fsr-3182	28	16	website	website	NOUN
fsr-3182	28	17	,	,	PUNCT
fsr-3182	28	18	http://www.academyfinancial.org	http://www.academyfinancial.org	PROPN
fsr-3182	28	19	.	.	PUNCT
fsr-3182	29	1	postmaster	postmaster	NOUN
fsr-3182	29	2	and	and	CCONJ
fsr-3182	29	3	subscribers	subscriber	NOUN
fsr-3182	29	4	should	should	AUX
fsr-3182	29	5	send	send	VERB
fsr-3182	29	6	change	change	NOUN
fsr-3182	29	7	of	of	ADP
fsr-3182	29	8	address	address	NOUN
fsr-3182	29	9	notices	notice	NOUN
fsr-3182	29	10	to	to	ADP
fsr-3182	29	11	stuart	stuart	PROPN
fsr-3182	29	12	michelson	michelson	PROPN
fsr-3182	29	13	,	,	PUNCT
fsr-3182	29	14	academy	academy	PROPN
fsr-3182	29	15	of	of	ADP
fsr-3182	29	16	financial	financial	ADJ
fsr-3182	29	17	services	service	NOUN
fsr-3182	29	18	,	,	PUNCT
fsr-3182	29	19	stetson	stetson	NOUN
fsr-3182	29	20	university	university	NOUN
fsr-3182	29	21	,	,	PUNCT
fsr-3182	29	22	school	school	NOUN
fsr-3182	29	23	of	of	ADP
fsr-3182	29	24	business	business	NOUN
fsr-3182	29	25	,	,	PUNCT
fsr-3182	29	26	421	421	NUM
fsr-3182	29	27	n.	n.	PROPN
fsr-3182	29	28	woodland	woodland	NOUN
fsr-3182	29	29	blvd	blvd	PROPN
fsr-3182	29	30	.	.	PUNCT
fsr-3182	29	31	,	,	PUNCT
fsr-3182	29	32	unit	unit	NOUN
fsr-3182	29	33	8398	8398	NUM
fsr-3182	29	34	,	,	PUNCT
fsr-3182	29	35	deland	deland	PROPN
fsr-3182	29	36	,	,	PUNCT
fsr-3182	29	37	fl	fl	PROPN
fsr-3182	29	38	32723	32723	NUM
fsr-3182	29	39	.	.	PUNCT
fsr-3182	30	1	editorial	editorial	ADJ
fsr-3182	30	2	office	office	NOUN
fsr-3182	30	3	:	:	PUNCT
fsr-3182	30	4	stuart	stuart	PROPN
fsr-3182	30	5	michelson	michelson	PROPN
fsr-3182	30	6	,	,	PUNCT
fsr-3182	30	7	school	school	NOUN
fsr-3182	30	8	of	of	ADP
fsr-3182	30	9	business	business	NOUN
fsr-3182	30	10	,	,	PUNCT
fsr-3182	30	11	stetson	stetson	NOUN
fsr-3182	30	12	university	university	NOUN
fsr-3182	30	13	,	,	PUNCT
fsr-3182	30	14	421	421	NUM
fsr-3182	30	15	n.	n.	PROPN
fsr-3182	30	16	woodland	woodland	NOUN
fsr-3182	30	17	blvd	blvd	PROPN
fsr-3182	30	18	.	.	PUNCT
fsr-3182	30	19	,	,	PUNCT
fsr-3182	30	20	unit	unit	NOUN
fsr-3182	30	21	8398	8398	NUM
fsr-3182	30	22	,	,	PUNCT
fsr-3182	30	23	deland	deland	PROPN
fsr-3182	30	24	,	,	PUNCT
fsr-3182	30	25	fl	fl	PROPN
fsr-3182	30	26	32723	32723	NUM
fsr-3182	30	27	.	.	PUNCT
fsr-3182	31	1	phone	phone	NOUN
fsr-3182	31	2	:	:	PUNCT
fsr-3182	31	3	(	(	PUNCT
fsr-3182	31	4	386	386	NUM
fsr-3182	31	5	)	)	PUNCT
fsr-3182	31	6	822	822	NUM
fsr-3182	31	7	-	-	SYM
fsr-3182	31	8	7376	7376	NUM
fsr-3182	31	9	.	.	PUNCT
fsr-3182	32	1	email	email	NOUN
fsr-3182	32	2	address	address	NOUN
fsr-3182	32	3	:	:	PUNCT
fsr-3182	32	4	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3182	32	5	.	.	PROPN
fsr-3182	32	6	web	web	NOUN
fsr-3182	32	7	address	address	NOUN
fsr-3182	32	8	:	:	PUNCT
fsr-3182	32	9	www.academyfinancial.org	www.academyfinancial.org	X
fsr-3182	32	10	.	.	PUNCT
fsr-3182	32	11	advertising	advertising	NOUN
fsr-3182	32	12	information	information	NOUN
fsr-3182	32	13	.	.	PUNCT
fsr-3182	33	1	those	those	PRON
fsr-3182	33	2	interested	interested	ADJ
fsr-3182	33	3	in	in	ADP
fsr-3182	33	4	advertising	advertising	NOUN
fsr-3182	33	5	in	in	ADP
fsr-3182	33	6	the	the	DET
fsr-3182	33	7	journal	journal	NOUN
fsr-3182	33	8	should	should	AUX
fsr-3182	33	9	contact	contact	VERB
fsr-3182	33	10	stuart	stuart	PROPN
fsr-3182	33	11	michelson	michelson	PROPN
fsr-3182	33	12	,	,	PUNCT
fsr-3182	33	13	school	school	NOUN
fsr-3182	33	14	of	of	ADP
fsr-3182	33	15	business	business	NOUN
fsr-3182	33	16	,	,	PUNCT
fsr-3182	33	17	stetson	stetson	NOUN
fsr-3182	33	18	university	university	NOUN
fsr-3182	33	19	,	,	PUNCT
fsr-3182	33	20	421	421	NUM
fsr-3182	33	21	n.	n.	PROPN
fsr-3182	33	22	woodland	woodland	NOUN
fsr-3182	33	23	blvd	blvd	PROPN
fsr-3182	33	24	.	.	PUNCT
fsr-3182	33	25	,	,	PUNCT
fsr-3182	33	26	unit	unit	NOUN
fsr-3182	33	27	8398	8398	NUM
fsr-3182	33	28	,	,	PUNCT
fsr-3182	33	29	deland	deland	PROPN
fsr-3182	33	30	,	,	PUNCT
fsr-3182	33	31	fl	fl	PROPN
fsr-3182	33	32	32723	32723	NUM
fsr-3182	33	33	.	.	PUNCT
fsr-3182	34	1	email	email	NOUN
fsr-3182	34	2	address	address	NOUN
fsr-3182	34	3	:	:	PUNCT
fsr-3182	34	4	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3182	34	5	,	,	PUNCT
fsr-3182	34	6	(	(	PUNCT
fsr-3182	34	7	386	386	NUM
fsr-3182	34	8	)	)	PUNCT
fsr-3182	34	9	822	822	NUM
fsr-3182	34	10	-	-	SYM
fsr-3182	34	11	7376	7376	NUM
fsr-3182	34	12	.	.	PUNCT
fsr-3182	35	1	printed	print	VERB
fsr-3182	35	2	in	in	ADP
fsr-3182	35	3	the	the	DET
fsr-3182	35	4	usa	usa	PROPN
fsr-3182	35	5	©	©	PROPN
fsr-3182	35	6	2014	2014	NUM
fsr-3182	35	7	academy	academy	NOUN
fsr-3182	35	8	of	of	ADP
fsr-3182	35	9	financial	financial	ADJ
fsr-3182	35	10	services	service	NOUN
fsr-3182	35	11	.	.	PUNCT
fsr-3182	36	1	all	all	DET
fsr-3182	36	2	rights	right	NOUN
fsr-3182	36	3	reserved	reserve	VERB
fsr-3182	36	4	.	.	PUNCT
fsr-3182	37	1	this	this	DET
fsr-3182	37	2	journal	journal	NOUN
fsr-3182	37	3	and	and	CCONJ
fsr-3182	37	4	the	the	DET
fsr-3182	37	5	individual	individual	ADJ
fsr-3182	37	6	contributions	contribution	NOUN
fsr-3182	37	7	contained	contain	VERB
fsr-3182	37	8	in	in	ADP
fsr-3182	37	9	it	it	PRON
fsr-3182	37	10	are	be	AUX
fsr-3182	37	11	protected	protect	VERB
fsr-3182	37	12	under	under	ADP
fsr-3182	37	13	copyright	copyright	NOUN
fsr-3182	37	14	by	by	ADP
fsr-3182	37	15	the	the	DET
fsr-3182	37	16	academy	academy	PROPN
fsr-3182	37	17	of	of	ADP
fsr-3182	37	18	financial	financial	ADJ
fsr-3182	37	19	services	service	NOUN
fsr-3182	37	20	,	,	PUNCT
fsr-3182	37	21	and	and	CCONJ
fsr-3182	37	22	the	the	DET
fsr-3182	37	23	following	follow	VERB
fsr-3182	37	24	terms	term	NOUN
fsr-3182	37	25	and	and	CCONJ
fsr-3182	37	26	conditions	condition	NOUN
fsr-3182	37	27	apply	apply	VERB
fsr-3182	37	28	to	to	ADP
fsr-3182	37	29	their	their	PRON
fsr-3182	37	30	use	use	NOUN
fsr-3182	37	31	:	:	PUNCT
fsr-3182	37	32	photocopying	photocopy	VERB
fsr-3182	37	33	single	single	ADJ
fsr-3182	37	34	photocopies	photocopy	NOUN
fsr-3182	37	35	of	of	ADP
fsr-3182	37	36	single	single	ADJ
fsr-3182	37	37	articles	article	NOUN
fsr-3182	37	38	may	may	AUX
fsr-3182	37	39	be	be	AUX
fsr-3182	37	40	made	make	VERB
fsr-3182	37	41	for	for	ADP
fsr-3182	37	42	personal	personal	ADJ
fsr-3182	37	43	use	use	NOUN
fsr-3182	37	44	as	as	SCONJ
fsr-3182	37	45	allowed	allow	VERB
fsr-3182	37	46	by	by	ADP
fsr-3182	37	47	national	national	ADJ
fsr-3182	37	48	copyright	copyright	NOUN
fsr-3182	37	49	laws	law	NOUN
fsr-3182	37	50	.	.	PUNCT
fsr-3182	38	1	in	in	ADP
fsr-3182	38	2	addition	addition	NOUN
fsr-3182	38	3	,	,	PUNCT
fsr-3182	38	4	the	the	DET
fsr-3182	38	5	academy	academy	NOUN
fsr-3182	38	6	of	of	ADP
fsr-3182	38	7	financial	financial	ADJ
fsr-3182	38	8	services	service	NOUN
fsr-3182	38	9	hereby	hereby	ADV
fsr-3182	38	10	permits	permit	VERB
fsr-3182	38	11	educators	educator	NOUN
fsr-3182	38	12	and	and	CCONJ
fsr-3182	38	13	educational	educational	ADJ
fsr-3182	38	14	institutions	institution	NOUN
fsr-3182	38	15	the	the	DET
fsr-3182	38	16	right	right	NOUN
fsr-3182	38	17	to	to	PART
fsr-3182	38	18	make	make	VERB
fsr-3182	38	19	photocopies	photocopy	NOUN
fsr-3182	38	20	for	for	ADP
fsr-3182	38	21	non	non	ADJ
fsr-3182	38	22	-	-	ADJ
fsr-3182	38	23	profit	profit	ADJ
fsr-3182	38	24	educational	educational	ADJ
fsr-3182	38	25	classroom	classroom	NOUN
fsr-3182	38	26	use	use	NOUN
fsr-3182	38	27	.	.	PUNCT
fsr-3182	39	1	permission	permission	NOUN
fsr-3182	39	2	of	of	ADP
fsr-3182	39	3	the	the	DET
fsr-3182	39	4	academy	academy	NOUN
fsr-3182	39	5	is	be	AUX
fsr-3182	39	6	required	require	VERB
fsr-3182	39	7	for	for	ADP
fsr-3182	39	8	all	all	DET
fsr-3182	39	9	other	other	ADJ
fsr-3182	39	10	photocopying	photocopying	NOUN
fsr-3182	39	11	,	,	PUNCT
fsr-3182	39	12	including	include	VERB
fsr-3182	39	13	multiple	multiple	ADJ
fsr-3182	39	14	or	or	CCONJ
fsr-3182	39	15	systematic	systematic	ADJ
fsr-3182	39	16	copying	copying	NOUN
fsr-3182	39	17	,	,	PUNCT
fsr-3182	39	18	copying	copy	VERB
fsr-3182	39	19	for	for	ADP
fsr-3182	39	20	advertising	advertising	NOUN
fsr-3182	39	21	or	or	CCONJ
fsr-3182	39	22	promotional	promotional	ADJ
fsr-3182	39	23	purposes	purpose	NOUN
fsr-3182	39	24	,	,	PUNCT
fsr-3182	39	25	resale	resale	NOUN
fsr-3182	39	26	,	,	PUNCT
fsr-3182	39	27	and	and	CCONJ
fsr-3182	39	28	all	all	DET
fsr-3182	39	29	forms	form	NOUN
fsr-3182	39	30	of	of	ADP
fsr-3182	39	31	document	document	NOUN
fsr-3182	39	32	delivery	delivery	NOUN
fsr-3182	39	33	.	.	PUNCT
fsr-3182	40	1	permissions	permission	NOUN
fsr-3182	40	2	may	may	AUX
fsr-3182	40	3	be	be	AUX
fsr-3182	40	4	sought	seek	VERB
fsr-3182	40	5	directly	directly	ADV
fsr-3182	40	6	from	from	ADP
fsr-3182	40	7	the	the	DET
fsr-3182	40	8	editor	editor	NOUN
fsr-3182	40	9	,	,	PUNCT
fsr-3182	40	10	stuart	stuart	PROPN
fsr-3182	40	11	michelson	michelson	PROPN
fsr-3182	40	12	.	.	PUNCT
fsr-3182	41	1	contact	contact	PROPN
fsr-3182	41	2	information	information	NOUN
fsr-3182	41	3	:	:	PUNCT
fsr-3182	41	4	stuart	stuart	PROPN
fsr-3182	41	5	michelson	michelson	PROPN
fsr-3182	41	6	,	,	PUNCT
fsr-3182	41	7	school	school	NOUN
fsr-3182	41	8	of	of	ADP
fsr-3182	41	9	business	business	NOUN
fsr-3182	41	10	,	,	PUNCT
fsr-3182	41	11	stetson	stetson	NOUN
fsr-3182	41	12	university	university	NOUN
fsr-3182	41	13	,	,	PUNCT
fsr-3182	41	14	421	421	NUM
fsr-3182	41	15	n.	n.	PROPN
fsr-3182	41	16	woodland	woodland	NOUN
fsr-3182	41	17	blvd	blvd	PROPN
fsr-3182	41	18	.	.	PUNCT
fsr-3182	41	19	,	,	PUNCT
fsr-3182	41	20	unit	unit	NOUN
fsr-3182	41	21	8398	8398	NUM
fsr-3182	41	22	,	,	PUNCT
fsr-3182	41	23	deland	deland	PROPN
fsr-3182	41	24	,	,	PUNCT
fsr-3182	41	25	fl	fl	PROPN
fsr-3182	41	26	32723	32723	NUM
fsr-3182	41	27	.	.	PUNCT
fsr-3182	42	1	phone	phone	NOUN
fsr-3182	42	2	:	:	PUNCT
fsr-3182	42	3	(	(	PUNCT
fsr-3182	42	4	386	386	NUM
fsr-3182	42	5	)	)	PUNCT
fsr-3182	42	6	822	822	NUM
fsr-3182	42	7	-	-	SYM
fsr-3182	42	8	7376	7376	NUM
fsr-3182	42	9	.	.	PUNCT
fsr-3182	43	1	email	email	NOUN
fsr-3182	43	2	:	:	PUNCT
fsr-3182	44	1	smichels@stetson.edu	smichels@stetson.edu	X
fsr-3182	44	2	.	.	PUNCT
fsr-3182	45	1	derivative	derivative	ADJ
fsr-3182	45	2	works	work	NOUN
fsr-3182	45	3	subscribers	subscriber	NOUN
fsr-3182	45	4	may	may	AUX
fsr-3182	45	5	reproduce	reproduce	VERB
fsr-3182	45	6	tables	table	NOUN
fsr-3182	45	7	of	of	ADP
fsr-3182	45	8	contents	content	NOUN
fsr-3182	45	9	or	or	CCONJ
fsr-3182	45	10	prepare	prepare	VERB
fsr-3182	45	11	lists	list	NOUN
fsr-3182	45	12	of	of	ADP
fsr-3182	45	13	articles	article	NOUN
fsr-3182	45	14	including	include	VERB
fsr-3182	45	15	abstracts	abstract	NOUN
fsr-3182	45	16	for	for	ADP
fsr-3182	45	17	internal	internal	ADJ
fsr-3182	45	18	circulation	circulation	NOUN
fsr-3182	45	19	within	within	ADP
fsr-3182	45	20	their	their	PRON
fsr-3182	45	21	institutions	institution	NOUN
fsr-3182	45	22	.	.	PUNCT
fsr-3182	46	1	permission	permission	NOUN
fsr-3182	46	2	of	of	ADP
fsr-3182	46	3	the	the	DET
fsr-3182	46	4	academy	academy	NOUN
fsr-3182	46	5	is	be	AUX
fsr-3182	46	6	required	require	VERB
fsr-3182	46	7	for	for	ADP
fsr-3182	46	8	resale	resale	NOUN
fsr-3182	46	9	or	or	CCONJ
fsr-3182	46	10	distribution	distribution	NOUN
fsr-3182	46	11	outside	outside	ADP
fsr-3182	46	12	the	the	DET
fsr-3182	46	13	institution	institution	NOUN
fsr-3182	46	14	.	.	PUNCT
fsr-3182	47	1	permission	permission	NOUN
fsr-3182	47	2	of	of	ADP
fsr-3182	47	3	the	the	DET
fsr-3182	47	4	academy	academy	NOUN
fsr-3182	47	5	is	be	AUX
fsr-3182	47	6	required	require	VERB
fsr-3182	47	7	for	for	ADP
fsr-3182	47	8	all	all	DET
fsr-3182	47	9	other	other	ADJ
fsr-3182	47	10	derivative	derivative	ADJ
fsr-3182	47	11	works	work	NOUN
fsr-3182	47	12	,	,	PUNCT
fsr-3182	47	13	including	include	VERB
fsr-3182	47	14	compilations	compilation	NOUN
fsr-3182	47	15	and	and	CCONJ
fsr-3182	47	16	translations	translation	NOUN
fsr-3182	47	17	.	.	PUNCT
fsr-3182	48	1	electronic	electronic	ADJ
fsr-3182	48	2	storage	storage	NOUN
fsr-3182	48	3	or	or	CCONJ
fsr-3182	48	4	usage	usage	NOUN
fsr-3182	48	5	permission	permission	NOUN
fsr-3182	48	6	of	of	ADP
fsr-3182	48	7	the	the	DET
fsr-3182	48	8	academy	academy	NOUN
fsr-3182	48	9	is	be	AUX
fsr-3182	48	10	required	require	VERB
fsr-3182	48	11	to	to	PART
fsr-3182	48	12	store	store	VERB
fsr-3182	48	13	or	or	CCONJ
fsr-3182	48	14	use	use	VERB
fsr-3182	48	15	electronically	electronically	ADV
fsr-3182	48	16	any	any	DET
fsr-3182	48	17	material	material	NOUN
fsr-3182	48	18	contained	contain	VERB
fsr-3182	48	19	in	in	ADP
fsr-3182	48	20	this	this	DET
fsr-3182	48	21	journal	journal	NOUN
fsr-3182	48	22	,	,	PUNCT
fsr-3182	48	23	including	include	VERB
fsr-3182	48	24	any	any	DET
fsr-3182	48	25	article	article	NOUN
fsr-3182	48	26	or	or	CCONJ
fsr-3182	48	27	part	part	NOUN
fsr-3182	48	28	of	of	ADP
fsr-3182	48	29	an	an	DET
fsr-3182	48	30	article	article	NOUN
fsr-3182	48	31	.	.	PUNCT
fsr-3182	49	1	except	except	SCONJ
fsr-3182	49	2	as	as	SCONJ
fsr-3182	49	3	outlined	outline	VERB
fsr-3182	49	4	above	above	ADV
fsr-3182	49	5	,	,	PUNCT
fsr-3182	49	6	no	no	DET
fsr-3182	49	7	part	part	NOUN
fsr-3182	49	8	of	of	ADP
fsr-3182	49	9	this	this	DET
fsr-3182	49	10	publication	publication	NOUN
fsr-3182	49	11	may	may	AUX
fsr-3182	49	12	be	be	AUX
fsr-3182	49	13	reproduced	reproduce	VERB
fsr-3182	49	14	,	,	PUNCT
fsr-3182	49	15	stored	store	VERB
fsr-3182	49	16	in	in	ADP
fsr-3182	49	17	a	a	DET
fsr-3182	49	18	retrieval	retrieval	NOUN
fsr-3182	49	19	system	system	NOUN
fsr-3182	49	20	or	or	CCONJ
fsr-3182	49	21	transmitted	transmit	VERB
fsr-3182	49	22	in	in	ADP
fsr-3182	49	23	any	any	DET
fsr-3182	49	24	form	form	NOUN
fsr-3182	49	25	or	or	CCONJ
fsr-3182	49	26	by	by	ADP
fsr-3182	49	27	any	any	DET
fsr-3182	49	28	means	mean	NOUN
fsr-3182	49	29	,	,	PUNCT
fsr-3182	49	30	electronic	electronic	ADJ
fsr-3182	49	31	,	,	PUNCT
fsr-3182	49	32	mechanical	mechanical	ADJ
fsr-3182	49	33	,	,	PUNCT
fsr-3182	49	34	photocopying	photocopying	NOUN
fsr-3182	49	35	,	,	PUNCT
fsr-3182	49	36	recording	recording	NOUN
fsr-3182	49	37	,	,	PUNCT
fsr-3182	49	38	or	or	CCONJ
fsr-3182	49	39	otherwise	otherwise	ADV
fsr-3182	49	40	,	,	PUNCT
fsr-3182	49	41	without	without	ADP
fsr-3182	49	42	prior	prior	ADJ
fsr-3182	49	43	written	write	VERB
fsr-3182	49	44	permission	permission	NOUN
fsr-3182	49	45	of	of	ADP
fsr-3182	49	46	the	the	DET
fsr-3182	49	47	academy	academy	PROPN
fsr-3182	49	48	.	.	PUNCT
fsr-3182	50	1	address	address	PROPN
fsr-3182	50	2	permissions	permission	NOUN
fsr-3182	50	3	requests	request	NOUN
fsr-3182	50	4	to	to	ADP
fsr-3182	50	5	the	the	DET
fsr-3182	50	6	editor	editor	NOUN
fsr-3182	50	7	at	at	ADP
fsr-3182	50	8	the	the	DET
fsr-3182	50	9	address	address	NOUN
fsr-3182	50	10	noted	note	VERB
fsr-3182	50	11	above	above	ADV
fsr-3182	50	12	.	.	PUNCT
fsr-3182	51	1	notice	notice	VERB
fsr-3182	51	2	no	no	DET
fsr-3182	51	3	responsibility	responsibility	NOUN
fsr-3182	51	4	is	be	AUX
fsr-3182	51	5	assumed	assume	VERB
fsr-3182	51	6	by	by	ADP
fsr-3182	51	7	the	the	DET
fsr-3182	51	8	academy	academy	NOUN
fsr-3182	51	9	for	for	ADP
fsr-3182	51	10	any	any	DET
fsr-3182	51	11	injury	injury	NOUN
fsr-3182	51	12	and/or	and/or	CCONJ
fsr-3182	51	13	damage	damage	NOUN
fsr-3182	51	14	to	to	ADP
fsr-3182	51	15	persons	person	NOUN
fsr-3182	51	16	or	or	CCONJ
fsr-3182	51	17	property	property	NOUN
fsr-3182	51	18	as	as	ADP
fsr-3182	51	19	a	a	DET
fsr-3182	51	20	matter	matter	NOUN
fsr-3182	51	21	of	of	ADP
fsr-3182	51	22	products	product	NOUN
fsr-3182	51	23	liability	liability	NOUN
fsr-3182	51	24	,	,	PUNCT
fsr-3182	51	25	negligence	negligence	NOUN
fsr-3182	51	26	,	,	PUNCT
fsr-3182	51	27	or	or	CCONJ
fsr-3182	51	28	otherwise	otherwise	ADV
fsr-3182	51	29	,	,	PUNCT
fsr-3182	51	30	or	or	CCONJ
fsr-3182	51	31	from	from	ADP
fsr-3182	51	32	any	any	DET
fsr-3182	51	33	use	use	NOUN
fsr-3182	51	34	or	or	CCONJ
fsr-3182	51	35	operation	operation	NOUN
fsr-3182	51	36	of	of	ADP
fsr-3182	51	37	any	any	DET
fsr-3182	51	38	methods	method	NOUN
fsr-3182	51	39	,	,	PUNCT
fsr-3182	51	40	products	product	NOUN
fsr-3182	51	41	,	,	PUNCT
fsr-3182	51	42	instructions	instruction	NOUN
fsr-3182	51	43	,	,	PUNCT
fsr-3182	51	44	or	or	CCONJ
fsr-3182	51	45	ideas	idea	NOUN
fsr-3182	51	46	contained	contain	VERB
fsr-3182	51	47	in	in	ADP
fsr-3182	51	48	the	the	DET
fsr-3182	51	49	material	material	NOUN
fsr-3182	51	50	herein	herein	NOUN
fsr-3182	51	51	.	.	PUNCT
fsr-3182	52	1	the	the	DET
fsr-3182	52	2	editors	editor	NOUN
fsr-3182	52	3	,	,	PUNCT
fsr-3182	52	4	the	the	DET
fsr-3182	52	5	academy	academy	NOUN
fsr-3182	52	6	,	,	PUNCT
fsr-3182	52	7	and	and	CCONJ
fsr-3182	52	8	our	our	PRON
fsr-3182	52	9	sponsors	sponsor	NOUN
fsr-3182	52	10	assume	assume	VERB
fsr-3182	52	11	no	no	DET
fsr-3182	52	12	responsibility	responsibility	NOUN
fsr-3182	52	13	for	for	ADP
fsr-3182	52	14	the	the	DET
fsr-3182	52	15	views	view	NOUN
fsr-3182	52	16	expressed	express	VERB
fsr-3182	52	17	by	by	ADP
fsr-3182	52	18	our	our	PRON
fsr-3182	52	19	authors	author	NOUN
fsr-3182	52	20	.	.	PUNCT
fsr-3182	53	1	from	from	ADP
fsr-3182	53	2	the	the	DET
fsr-3182	53	3	editor	editor	NOUN
fsr-3182	53	4	this	this	DET
fsr-3182	53	5	issue	issue	NOUN
fsr-3182	53	6	contains	contain	VERB
fsr-3182	53	7	issue	issue	NOUN
fsr-3182	53	8	1	1	NUM
fsr-3182	53	9	of	of	ADP
fsr-3182	53	10	volume	volume	NOUN
fsr-3182	53	11	23	23	NUM
fsr-3182	53	12	of	of	ADP
fsr-3182	53	13	financial	financial	ADJ
fsr-3182	53	14	services	service	NOUN
fsr-3182	53	15	review	review	NOUN
fsr-3182	53	16	(	(	PUNCT
fsr-3182	53	17	fsr	fsr	PROPN
fsr-3182	53	18	)	)	PUNCT
fsr-3182	53	19	.	.	PUNCT
fsr-3182	54	1	i	i	PRON
fsr-3182	54	2	would	would	AUX
fsr-3182	54	3	like	like	VERB
fsr-3182	54	4	to	to	PART
fsr-3182	54	5	thank	thank	VERB
fsr-3182	54	6	the	the	DET
fsr-3182	54	7	board	board	NOUN
fsr-3182	54	8	and	and	CCONJ
fsr-3182	54	9	members	member	NOUN
fsr-3182	54	10	of	of	ADP
fsr-3182	54	11	the	the	DET
fsr-3182	54	12	academy	academy	NOUN
fsr-3182	54	13	of	of	ADP
fsr-3182	54	14	financial	financial	ADJ
fsr-3182	54	15	services	service	NOUN
fsr-3182	54	16	for	for	ADP
fsr-3182	54	17	their	their	PRON
fsr-3182	54	18	continued	continue	VERB
fsr-3182	54	19	support	support	NOUN
fsr-3182	54	20	.	.	PUNCT
fsr-3182	55	1	i	i	PRON
fsr-3182	55	2	continue	continue	VERB
fsr-3182	55	3	to	to	PART
fsr-3182	55	4	work	work	VERB
fsr-3182	55	5	in	in	ADP
fsr-3182	55	6	broadening	broaden	VERB
fsr-3182	55	7	the	the	DET
fsr-3182	55	8	scope	scope	NOUN
fsr-3182	55	9	of	of	ADP
fsr-3182	55	10	articles	article	NOUN
fsr-3182	55	11	,	,	PUNCT
fsr-3182	55	12	while	while	SCONJ
fsr-3182	55	13	still	still	ADV
fsr-3182	55	14	focusing	focus	VERB
fsr-3182	55	15	on	on	ADP
fsr-3182	55	16	individual	individual	ADJ
fsr-3182	55	17	financial	financial	ADJ
fsr-3182	55	18	management	management	NOUN
fsr-3182	55	19	and	and	CCONJ
fsr-3182	55	20	personal	personal	ADJ
fsr-3182	55	21	financial	financial	ADJ
fsr-3182	55	22	planning	planning	NOUN
fsr-3182	55	23	.	.	PUNCT
fsr-3182	56	1	i	i	PRON
fsr-3182	56	2	encourage	encourage	VERB
fsr-3182	56	3	authors	author	NOUN
fsr-3182	56	4	to	to	PART
fsr-3182	56	5	reach	reach	VERB
fsr-3182	56	6	out	out	ADP
fsr-3182	56	7	when	when	SCONJ
fsr-3182	56	8	discussing	discuss	VERB
fsr-3182	56	9	implications	implication	NOUN
fsr-3182	56	10	of	of	ADP
fsr-3182	56	11	their	their	PRON
fsr-3182	56	12	findings	finding	NOUN
fsr-3182	56	13	in	in	ADP
fsr-3182	56	14	a	a	DET
fsr-3182	56	15	more	more	ADV
fsr-3182	56	16	comprehensive	comprehensive	ADJ
fsr-3182	56	17	way	way	NOUN
fsr-3182	56	18	.	.	PUNCT
fsr-3182	57	1	as	as	SCONJ
fsr-3182	57	2	such	such	ADJ
fsr-3182	57	3	,	,	PUNCT
fsr-3182	57	4	all	all	DET
fsr-3182	57	5	articles	article	NOUN
fsr-3182	57	6	in	in	ADP
fsr-3182	57	7	the	the	DET
fsr-3182	57	8	journal	journal	NOUN
fsr-3182	57	9	more	more	ADV
fsr-3182	57	10	appropriately	appropriately	ADV
fsr-3182	57	11	relate	relate	VERB
fsr-3182	57	12	to	to	ADP
fsr-3182	57	13	financial	financial	ADJ
fsr-3182	57	14	planning	planning	NOUN
fsr-3182	57	15	issues	issue	NOUN
fsr-3182	57	16	.	.	PUNCT
fsr-3182	58	1	the	the	DET
fsr-3182	58	2	lead	lead	ADJ
fsr-3182	58	3	article	article	NOUN
fsr-3182	58	4	“	"	PUNCT
fsr-3182	58	5	does	do	VERB
fsr-3182	58	6	a	a	DET
fsr-3182	58	7	relationship	relationship	NOUN
fsr-3182	58	8	with	with	ADP
fsr-3182	58	9	a	a	DET
fsr-3182	58	10	financial	financial	ADJ
fsr-3182	58	11	service	service	NOUN
fsr-3182	58	12	professional	professional	NOUN
fsr-3182	58	13	overcome	overcome	VERB
fsr-3182	58	14	a	a	DET
fsr-3182	58	15	client	client	NOUN
fsr-3182	58	16	’s	’s	PART
fsr-3182	58	17	sense	sense	NOUN
fsr-3182	58	18	of	of	ADP
fsr-3182	58	19	not	not	PART
fsr-3182	58	20	being	be	AUX
fsr-3182	58	21	in	in	ADP
fsr-3182	58	22	control	control	NOUN
fsr-3182	58	23	of	of	ADP
fsr-3182	58	24	achieving	achieve	VERB
fsr-3182	58	25	their	their	PRON
fsr-3182	58	26	goals	goal	NOUN
fsr-3182	58	27	?	?	PUNCT
fsr-3182	58	28	”	"	PUNCT
fsr-3182	58	29	is	be	AUX
fsr-3182	58	30	by	by	ADP
fsr-3182	58	31	danielle	danielle	PROPN
fsr-3182	58	32	d.	d.	PROPN
fsr-3182	58	33	winchester	winchester	PROPN
fsr-3182	58	34	at	at	ADP
fsr-3182	58	35	north	north	PROPN
fsr-3182	58	36	carolina	carolina	PROPN
fsr-3182	58	37	a&t	a&t	PROPN
fsr-3182	58	38	state	state	PROPN
fsr-3182	58	39	university	university	PROPN
fsr-3182	58	40	.	.	PUNCT
fsr-3182	59	1	in	in	ADP
fsr-3182	59	2	this	this	DET
fsr-3182	59	3	article	article	NOUN
fsr-3182	59	4	the	the	DET
fsr-3182	59	5	author	author	NOUN
fsr-3182	59	6	examines	examine	VERB
fsr-3182	59	7	the	the	DET
fsr-3182	59	8	effects	effect	NOUN
fsr-3182	59	9	of	of	ADP
fsr-3182	59	10	individual	individual	ADJ
fsr-3182	59	11	control	control	NOUN
fsr-3182	59	12	beliefs	belief	NOUN
fsr-3182	59	13	on	on	ADP
fsr-3182	59	14	financial	financial	ADJ
fsr-3182	59	15	goal	goal	NOUN
fsr-3182	59	16	progress	progress	NOUN
fsr-3182	59	17	under	under	ADP
fsr-3182	59	18	the	the	DET
fsr-3182	59	19	theory	theory	NOUN
fsr-3182	59	20	of	of	ADP
fsr-3182	59	21	planned	plan	VERB
fsr-3182	59	22	behavior	behavior	NOUN
fsr-3182	59	23	.	.	PUNCT
fsr-3182	60	1	her	her	PRON
fsr-3182	60	2	findings	finding	NOUN
fsr-3182	60	3	suggest	suggest	VERB
fsr-3182	60	4	that	that	SCONJ
fsr-3182	60	5	low	low	ADJ
fsr-3182	60	6	control	control	PROPN
fsr-3182	60	7	beliefs	belief	NOUN
fsr-3182	60	8	are	be	AUX
fsr-3182	60	9	significantly	significantly	ADV
fsr-3182	60	10	associated	associate	VERB
fsr-3182	60	11	with	with	ADP
fsr-3182	60	12	less	less	ADJ
fsr-3182	60	13	financial	financial	ADJ
fsr-3182	60	14	-	-	PUNCT
fsr-3182	60	15	goal	goal	NOUN
fsr-3182	60	16	progress	progress	NOUN
fsr-3182	60	17	;	;	PUNCT
fsr-3182	60	18	although	although	SCONJ
fsr-3182	60	19	she	she	PRON
fsr-3182	60	20	shows	show	VERB
fsr-3182	60	21	that	that	SCONJ
fsr-3182	60	22	the	the	DET
fsr-3182	60	23	receipt	receipt	NOUN
fsr-3182	60	24	of	of	ADP
fsr-3182	60	25	expert	expert	ADJ
fsr-3182	60	26	financial	financial	ADJ
fsr-3182	60	27	advice	advice	NOUN
fsr-3182	60	28	can	can	AUX
fsr-3182	60	29	reduce	reduce	VERB
fsr-3182	60	30	this	this	DET
fsr-3182	60	31	negative	negative	ADJ
fsr-3182	60	32	effect	effect	NOUN
fsr-3182	60	33	and	and	CCONJ
fsr-3182	60	34	results	result	NOUN
fsr-3182	60	35	in	in	ADP
fsr-3182	60	36	similar	similar	ADJ
fsr-3182	60	37	,	,	PUNCT
fsr-3182	60	38	and	and	CCONJ
fsr-3182	60	39	in	in	ADP
fsr-3182	60	40	some	some	DET
fsr-3182	60	41	goal	goal	NOUN
fsr-3182	60	42	areas	area	NOUN
fsr-3182	60	43	,	,	PUNCT
fsr-3182	60	44	in	in	ADP
fsr-3182	60	45	higher	high	ADJ
fsr-3182	60	46	levels	level	NOUN
fsr-3182	60	47	of	of	ADP
fsr-3182	60	48	goal	goal	NOUN
fsr-3182	60	49	progress	progress	NOUN
fsr-3182	60	50	than	than	ADP
fsr-3182	60	51	that	that	PRON
fsr-3182	60	52	of	of	ADP
fsr-3182	60	53	individuals	individual	NOUN
fsr-3182	60	54	with	with	ADP
fsr-3182	60	55	high	high	ADJ
fsr-3182	60	56	control	control	NOUN
fsr-3182	60	57	beliefs	belief	NOUN
fsr-3182	60	58	.	.	PUNCT
fsr-3182	61	1	the	the	DET
fsr-3182	61	2	second	second	ADJ
fsr-3182	61	3	article	article	NOUN
fsr-3182	61	4	“	"	PUNCT
fsr-3182	61	5	low	low	ADJ
fsr-3182	61	6	-	-	PUNCT
fsr-3182	61	7	income	income	NOUN
fsr-3182	61	8	employees	employee	NOUN
fsr-3182	61	9	:	:	PUNCT
fsr-3182	61	10	the	the	DET
fsr-3182	61	11	relationship	relationship	NOUN
fsr-3182	61	12	between	between	ADP
fsr-3182	61	13	information	information	NOUN
fsr-3182	61	14	from	from	ADP
fsr-3182	61	15	formal	formal	ADJ
fsr-3182	61	16	advisors	advisor	NOUN
fsr-3182	61	17	and	and	CCONJ
fsr-3182	61	18	financial	financial	ADJ
fsr-3182	61	19	behaviors	behavior	NOUN
fsr-3182	61	20	,	,	PUNCT
fsr-3182	61	21	”	"	PUNCT
fsr-3182	61	22	is	be	AUX
fsr-3182	61	23	coauthored	coauthore	VERB
fsr-3182	61	24	by	by	ADP
fsr-3182	61	25	crystal	crystal	PROPN
fsr-3182	61	26	r.	r.	PROPN
fsr-3182	61	27	hudson	hudson	PROPN
fsr-3182	61	28	at	at	ADP
fsr-3182	61	29	clark	clark	PROPN
fsr-3182	61	30	atlanta	atlanta	PROPN
fsr-3182	61	31	university	university	PROPN
fsr-3182	61	32	and	and	CCONJ
fsr-3182	61	33	lance	lance	PROPN
fsr-3182	61	34	palmer	palmer	PROPN
fsr-3182	61	35	at	at	ADP
fsr-3182	61	36	the	the	DET
fsr-3182	61	37	university	university	NOUN
fsr-3182	61	38	of	of	ADP
fsr-3182	61	39	georgia.in	georgia.in	PROPN
fsr-3182	61	40	this	this	DET
fsr-3182	61	41	article	article	NOUN
fsr-3182	61	42	,	,	PUNCT
fsr-3182	61	43	the	the	DET
fsr-3182	61	44	authors	author	NOUN
fsr-3182	61	45	investigate	investigate	VERB
fsr-3182	61	46	the	the	DET
fsr-3182	61	47	financial	financial	ADJ
fsr-3182	61	48	literacy	literacy	NOUN
fsr-3182	61	49	of	of	ADP
fsr-3182	61	50	low	low	ADJ
fsr-3182	61	51	-	-	PUNCT
fsr-3182	61	52	income	income	NOUN
fsr-3182	61	53	employees	employee	NOUN
fsr-3182	61	54	,	,	PUNCT
fsr-3182	61	55	by	by	ADP
fsr-3182	61	56	examining	examine	VERB
fsr-3182	61	57	their	their	PRON
fsr-3182	61	58	financial	financial	ADJ
fsr-3182	61	59	behaviors	behavior	NOUN
fsr-3182	61	60	.	.	PUNCT
fsr-3182	62	1	using	use	VERB
fsr-3182	62	2	data	datum	NOUN
fsr-3182	62	3	from	from	ADP
fsr-3182	62	4	the	the	DET
fsr-3182	62	5	2010	2010	NUM
fsr-3182	62	6	survey	survey	NOUN
fsr-3182	62	7	of	of	ADP
fsr-3182	62	8	consumer	consumer	NOUN
fsr-3182	62	9	finances	finance	NOUN
fsr-3182	62	10	,	,	PUNCT
fsr-3182	62	11	the	the	DET
fsr-3182	62	12	authors	author	NOUN
fsr-3182	62	13	find	find	VERB
fsr-3182	62	14	a	a	DET
fsr-3182	62	15	significant	significant	ADJ
fsr-3182	62	16	and	and	CCONJ
fsr-3182	62	17	positive	positive	ADJ
fsr-3182	62	18	relationship	relationship	NOUN
fsr-3182	62	19	between	between	ADP
fsr-3182	62	20	the	the	DET
fsr-3182	62	21	use	use	NOUN
fsr-3182	62	22	of	of	ADP
fsr-3182	62	23	information	information	NOUN
fsr-3182	62	24	from	from	ADP
fsr-3182	62	25	formal	formal	ADJ
fsr-3182	62	26	advisors	advisor	NOUN
fsr-3182	62	27	and	and	CCONJ
fsr-3182	62	28	low	low	ADJ
fsr-3182	62	29	-	-	PUNCT
fsr-3182	62	30	income	income	NOUN
fsr-3182	62	31	employees	employee	NOUN
fsr-3182	62	32	’	’	PART
fsr-3182	62	33	positive	positive	ADJ
fsr-3182	62	34	financial	financial	ADJ
fsr-3182	62	35	behaviors	behavior	NOUN
fsr-3182	62	36	.	.	PUNCT
fsr-3182	63	1	their	their	PRON
fsr-3182	63	2	research	research	NOUN
fsr-3182	63	3	demonstrates	demonstrate	VERB
fsr-3182	63	4	that	that	SCONJ
fsr-3182	63	5	low	low	ADJ
fsr-3182	63	6	-	-	PUNCT
fsr-3182	63	7	income	income	NOUN
fsr-3182	63	8	employees	employee	NOUN
fsr-3182	63	9	who	who	PRON
fsr-3182	63	10	use	use	VERB
fsr-3182	63	11	information	information	NOUN
fsr-3182	63	12	from	from	ADP
fsr-3182	63	13	formal	formal	ADJ
fsr-3182	63	14	advisors	advisor	NOUN
fsr-3182	63	15	exhibit	exhibit	VERB
fsr-3182	63	16	better	well	ADJ
fsr-3182	63	17	financial	financial	ADJ
fsr-3182	63	18	behaviors	behavior	NOUN
fsr-3182	63	19	than	than	ADP
fsr-3182	63	20	those	those	PRON
fsr-3182	63	21	who	who	PRON
fsr-3182	63	22	do	do	AUX
fsr-3182	63	23	not	not	PART
fsr-3182	63	24	use	use	VERB
fsr-3182	63	25	advisors	advisor	NOUN
fsr-3182	63	26	..	..	PUNCT
fsr-3182	63	27	the	the	DET
fsr-3182	63	28	third	third	ADJ
fsr-3182	63	29	article	article	NOUN
fsr-3182	63	30	,	,	PUNCT
fsr-3182	63	31	“	"	PUNCT
fsr-3182	63	32	downside	downside	ADJ
fsr-3182	63	33	risk	risk	NOUN
fsr-3182	63	34	–	–	PUNCT
fsr-3182	63	35	what	what	PRON
fsr-3182	63	36	the	the	DET
fsr-3182	63	37	consumer	consumer	NOUN
fsr-3182	63	38	sentiment	sentiment	NOUN
fsr-3182	63	39	index	index	NOUN
fsr-3182	63	40	reveals	reveal	VERB
fsr-3182	63	41	,	,	PUNCT
fsr-3182	63	42	”	"	PUNCT
fsr-3182	63	43	is	be	AUX
fsr-3182	63	44	coauthored	coauthore	VERB
fsr-3182	63	45	by	by	ADP
fsr-3182	63	46	mark	mark	PROPN
fsr-3182	63	47	a.	a.	PROPN
fsr-3182	63	48	johnson	johnson	PROPN
fsr-3182	63	49	at	at	ADP
fsr-3182	63	50	loyola	loyola	PROPN
fsr-3182	63	51	university	university	PROPN
fsr-3182	63	52	maryland	maryland	NOUN
fsr-3182	63	53	and	and	CCONJ
fsr-3182	63	54	atsuyuki	atsuyuki	NOUN
fsr-3182	63	55	naka	naka	PROPN
fsr-3182	63	56	at	at	ADP
fsr-3182	63	57	university	university	NOUN
fsr-3182	63	58	of	of	ADP
fsr-3182	63	59	new	new	PROPN
fsr-3182	63	60	orleans	orleans	PROPN
fsr-3182	63	61	.	.	PUNCT
fsr-3182	64	1	the	the	DET
fsr-3182	64	2	authors	author	NOUN
fsr-3182	64	3	examine	examine	VERB
fsr-3182	64	4	the	the	DET
fsr-3182	64	5	ability	ability	NOUN
fsr-3182	64	6	of	of	ADP
fsr-3182	64	7	consumer	consumer	NOUN
fsr-3182	64	8	sentiment	sentiment	NOUN
fsr-3182	64	9	using	use	VERB
fsr-3182	64	10	different	different	ADJ
fsr-3182	64	11	age	age	NOUN
fsr-3182	64	12	groups	group	NOUN
fsr-3182	64	13	to	to	PART
fsr-3182	64	14	forecast	forecast	VERB
fsr-3182	64	15	short	short	ADJ
fsr-3182	64	16	-	-	PUNCT
fsr-3182	64	17	term	term	NOUN
fsr-3182	64	18	and	and	CCONJ
fsr-3182	64	19	long	long	ADJ
fsr-3182	64	20	-	-	PUNCT
fsr-3182	64	21	term	term	NOUN
fsr-3182	64	22	equity	equity	NOUN
fsr-3182	64	23	returns	return	NOUN
fsr-3182	64	24	.	.	PUNCT
fsr-3182	65	1	using	use	VERB
fsr-3182	65	2	a	a	DET
fsr-3182	65	3	long	long	ADJ
fsr-3182	65	4	-	-	PUNCT
fsr-3182	65	5	horizon	horizon	NOUN
fsr-3182	65	6	asymmetric	asymmetric	ADJ
fsr-3182	65	7	response	response	NOUN
fsr-3182	65	8	regression	regression	NOUN
fsr-3182	65	9	format	format	NOUN
fsr-3182	65	10	,	,	PUNCT
fsr-3182	65	11	they	they	PRON
fsr-3182	65	12	show	show	VERB
fsr-3182	65	13	that	that	SCONJ
fsr-3182	65	14	negative	negative	ADJ
fsr-3182	65	15	changes	change	NOUN
fsr-3182	65	16	in	in	ADP
fsr-3182	65	17	sentiment	sentiment	NOUN
fsr-3182	65	18	have	have	VERB
fsr-3182	65	19	a	a	DET
fsr-3182	65	20	greater	great	ADJ
fsr-3182	65	21	influence	influence	NOUN
fsr-3182	65	22	on	on	ADP
fsr-3182	65	23	stock	stock	NOUN
fsr-3182	65	24	returns	return	NOUN
fsr-3182	65	25	than	than	ADP
fsr-3182	65	26	positive	positive	ADJ
fsr-3182	65	27	changes	change	NOUN
fsr-3182	65	28	in	in	ADP
fsr-3182	65	29	sentiment	sentiment	NOUN
fsr-3182	65	30	.	.	PUNCT
fsr-3182	66	1	they	they	PRON
fsr-3182	66	2	observe	observe	VERB
fsr-3182	66	3	that	that	SCONJ
fsr-3182	66	4	younger	young	ADJ
fsr-3182	66	5	individuals	individual	NOUN
fsr-3182	66	6	appear	appear	VERB
fsr-3182	66	7	to	to	PART
fsr-3182	66	8	be	be	AUX
fsr-3182	66	9	less	less	ADJ
fsr-3182	66	10	risk	risk	NOUN
fsr-3182	66	11	-	-	PUNCT
fsr-3182	66	12	averse	averse	ADJ
fsr-3182	66	13	than	than	ADP
fsr-3182	66	14	older	old	ADJ
fsr-3182	66	15	individuals	individual	NOUN
fsr-3182	66	16	.	.	PUNCT
fsr-3182	67	1	this	this	DET
fsr-3182	67	2	article	article	NOUN
fsr-3182	67	3	provides	provide	VERB
fsr-3182	67	4	evidence	evidence	NOUN
fsr-3182	67	5	that	that	SCONJ
fsr-3182	67	6	risk	risk	NOUN
fsr-3182	67	7	is	be	AUX
fsr-3182	67	8	an	an	DET
fsr-3182	67	9	important	important	ADJ
fsr-3182	67	10	consideration	consideration	NOUN
fsr-3182	67	11	when	when	SCONJ
fsr-3182	67	12	investing	investing	NOUN
fsr-3182	67	13	,	,	PUNCT
fsr-3182	67	14	and	and	CCONJ
fsr-3182	67	15	that	that	SCONJ
fsr-3182	67	16	demographic	demographic	ADJ
fsr-3182	67	17	characteristics	characteristic	NOUN
fsr-3182	67	18	are	be	AUX
fsr-3182	67	19	a	a	DET
fsr-3182	67	20	consideration	consideration	NOUN
fsr-3182	67	21	when	when	SCONJ
fsr-3182	67	22	determining	determine	VERB
fsr-3182	67	23	appropriate	appropriate	ADJ
fsr-3182	67	24	investing	investing	NOUN
fsr-3182	67	25	approaches	approach	NOUN
fsr-3182	67	26	.	.	PUNCT
fsr-3182	68	1	the	the	DET
fsr-3182	68	2	fourth	fourth	ADJ
fsr-3182	68	3	article	article	NOUN
fsr-3182	68	4	,	,	PUNCT
fsr-3182	68	5	“	"	PUNCT
fsr-3182	68	6	investor	investor	NOUN
fsr-3182	68	7	preference	preference	NOUN
fsr-3182	68	8	for	for	ADP
fsr-3182	68	9	skewness	skewness	NOUN
fsr-3182	68	10	and	and	CCONJ
fsr-3182	68	11	the	the	DET
fsr-3182	68	12	incubation	incubation	NOUN
fsr-3182	68	13	of	of	ADP
fsr-3182	68	14	mutual	mutual	ADJ
fsr-3182	68	15	funds	fund	NOUN
fsr-3182	68	16	”	"	PUNCT
fsr-3182	68	17	is	be	AUX
fsr-3182	68	18	coauthored	coauthore	VERB
fsr-3182	68	19	by	by	ADP
fsr-3182	68	20	philip	philip	PROPN
fsr-3182	68	21	gibson	gibson	PROPN
fsr-3182	68	22	at	at	ADP
fsr-3182	68	23	the	the	DET
fsr-3182	68	24	university	university	NOUN
fsr-3182	68	25	of	of	ADP
fsr-3182	68	26	the	the	DET
fsr-3182	68	27	incarnate	incarnate	ADJ
fsr-3182	68	28	word	word	NOUN
fsr-3182	68	29	and	and	CCONJ
fsr-3182	68	30	michael	michael	PROPN
fsr-3182	68	31	finke	finke	PROPN
fsr-3182	68	32	at	at	ADP
fsr-3182	68	33	texas	texas	PROPN
fsr-3182	68	34	tech	tech	PROPN
fsr-3182	68	35	university	university	PROPN
fsr-3182	68	36	.	.	PUNCT
fsr-3182	69	1	the	the	DET
fsr-3182	69	2	authors	author	NOUN
fsr-3182	69	3	investigate	investigate	VERB
fsr-3182	69	4	the	the	DET
fsr-3182	69	5	performance	performance	NOUN
fsr-3182	69	6	of	of	ADP
fsr-3182	69	7	funds	fund	NOUN
fsr-3182	69	8	created	create	VERB
fsr-3182	69	9	through	through	ADP
fsr-3182	69	10	incubation	incubation	NOUN
fsr-3182	69	11	.	.	PUNCT
fsr-3182	70	1	incubation	incubation	NOUN
fsr-3182	70	2	creates	create	VERB
fsr-3182	70	3	an	an	DET
fsr-3182	70	4	incentive	incentive	NOUN
fsr-3182	70	5	for	for	SCONJ
fsr-3182	70	6	fund	fund	NOUN
fsr-3182	70	7	families	family	NOUN
fsr-3182	70	8	to	to	PART
fsr-3182	70	9	select	select	VERB
fsr-3182	70	10	highly	highly	ADV
fsr-3182	70	11	skewed	skewed	ADJ
fsr-3182	70	12	securities	security	NOUN
fsr-3182	70	13	since	since	SCONJ
fsr-3182	70	14	extreme	extreme	ADJ
fsr-3182	70	15	performance	performance	NOUN
fsr-3182	70	16	during	during	ADP
fsr-3182	70	17	incubation	incubation	NOUN
fsr-3182	70	18	will	will	AUX
fsr-3182	70	19	increase	increase	VERB
fsr-3182	70	20	the	the	DET
fsr-3182	70	21	likelihood	likelihood	NOUN
fsr-3182	70	22	that	that	SCONJ
fsr-3182	70	23	some	some	DET
fsr-3182	70	24	funds	fund	NOUN
fsr-3182	70	25	will	will	AUX
fsr-3182	70	26	outperform	outperform	VERB
fsr-3182	70	27	financial	financial	ADJ
fsr-3182	70	28	services	service	NOUN
fsr-3182	70	29	review	review	VERB
fsr-3182	70	30	23	23	NUM
fsr-3182	70	31	(	(	PUNCT
fsr-3182	70	32	2014	2014	NUM
fsr-3182	70	33	)	)	PUNCT
fsr-3182	70	34	v	v	NOUN
fsr-3182	70	35	–	–	PUNCT
fsr-3182	70	36	vi	vi	NOUN
fsr-3182	70	37	1057	1057	NUM
fsr-3182	70	38	-	-	SYM
fsr-3182	70	39	0810/14/$	0810/14/$	NUM
fsr-3182	70	40	–	–	PUNCT
fsr-3182	70	41	see	see	VERB
fsr-3182	70	42	front	front	ADJ
fsr-3182	70	43	matter	matter	NOUN
fsr-3182	71	1	©	©	PROPN
fsr-3182	71	2	2014	2014	NUM
fsr-3182	71	3	academy	academy	NOUN
fsr-3182	71	4	of	of	ADP
fsr-3182	71	5	financial	financial	ADJ
fsr-3182	71	6	services	service	NOUN
fsr-3182	71	7	.	.	PUNCT
fsr-3182	72	1	all	all	DET
fsr-3182	72	2	rights	right	NOUN
fsr-3182	72	3	reserved	reserve	VERB
fsr-3182	72	4	.	.	PUNCT
fsr-3182	73	1	before	before	SCONJ
fsr-3182	73	2	they	they	PRON
fsr-3182	73	3	are	be	AUX
fsr-3182	73	4	sold	sell	VERB
fsr-3182	73	5	to	to	ADP
fsr-3182	73	6	the	the	DET
fsr-3182	73	7	public	public	NOUN
fsr-3182	73	8	.	.	PUNCT
fsr-3182	74	1	although	although	SCONJ
fsr-3182	74	2	incubation	incubation	NOUN
fsr-3182	74	3	is	be	AUX
fsr-3182	74	4	as	as	ADP
fsr-3182	74	5	an	an	DET
fsr-3182	74	6	innovative	innovative	ADJ
fsr-3182	74	7	fund	fund	NOUN
fsr-3182	74	8	promotion	promotion	NOUN
fsr-3182	74	9	technique	technique	NOUN
fsr-3182	74	10	,	,	PUNCT
fsr-3182	74	11	it	it	PRON
fsr-3182	74	12	may	may	AUX
fsr-3182	74	13	harm	harm	VERB
fsr-3182	74	14	investors	investor	NOUN
fsr-3182	74	15	by	by	ADP
fsr-3182	74	16	creating	create	VERB
fsr-3182	74	17	the	the	DET
fsr-3182	74	18	perception	perception	NOUN
fsr-3182	74	19	that	that	SCONJ
fsr-3182	74	20	random	random	ADJ
fsr-3182	74	21	prior	prior	ADJ
fsr-3182	74	22	returns	return	NOUN
fsr-3182	74	23	are	be	AUX
fsr-3182	74	24	a	a	DET
fsr-3182	74	25	signal	signal	NOUN
fsr-3182	74	26	of	of	ADP
fsr-3182	74	27	fund	fund	NOUN
fsr-3182	74	28	quality	quality	NOUN
fsr-3182	74	29	.	.	PUNCT
fsr-3182	75	1	the	the	DET
fsr-3182	75	2	authors	author	NOUN
fsr-3182	75	3	find	find	VERB
fsr-3182	75	4	that	that	SCONJ
fsr-3182	75	5	net	net	ADJ
fsr-3182	75	6	new	new	ADJ
fsr-3182	75	7	money	money	NOUN
fsr-3182	75	8	flow	flow	NOUN
fsr-3182	75	9	increases	increase	NOUN
fsr-3182	75	10	with	with	ADP
fsr-3182	75	11	an	an	DET
fsr-3182	75	12	incubated	incubate	VERB
fsr-3182	75	13	fund	fund	NOUN
fsr-3182	75	14	’s	’s	PART
fsr-3182	75	15	skewness	skewness	NOUN
fsr-3182	75	16	.	.	PUNCT
fsr-3182	76	1	after	after	SCONJ
fsr-3182	76	2	incubated	incubate	VERB
fsr-3182	76	3	funds	fund	NOUN
fsr-3182	76	4	are	be	AUX
fsr-3182	76	5	sold	sell	VERB
fsr-3182	76	6	to	to	ADP
fsr-3182	76	7	the	the	DET
fsr-3182	76	8	public	public	NOUN
fsr-3182	76	9	,	,	PUNCT
fsr-3182	76	10	skewed	skewed	ADJ
fsr-3182	76	11	funds	fund	NOUN
fsr-3182	76	12	attract	attract	VERB
fsr-3182	76	13	more	more	ADJ
fsr-3182	76	14	investor	investor	NOUN
fsr-3182	76	15	dollars	dollar	NOUN
fsr-3182	76	16	and	and	CCONJ
fsr-3182	76	17	their	their	PRON
fsr-3182	76	18	average	average	ADJ
fsr-3182	76	19	performance	performance	NOUN
fsr-3182	76	20	declines	decline	VERB
fsr-3182	76	21	.	.	PUNCT
fsr-3182	77	1	their	their	PRON
fsr-3182	77	2	results	result	NOUN
fsr-3182	77	3	suggest	suggest	VERB
fsr-3182	77	4	that	that	SCONJ
fsr-3182	77	5	the	the	DET
fsr-3182	77	6	use	use	NOUN
fsr-3182	77	7	of	of	ADP
fsr-3182	77	8	skewed	skewed	ADJ
fsr-3182	77	9	securities	security	NOUN
fsr-3182	77	10	during	during	ADP
fsr-3182	77	11	incubation	incubation	NOUN
fsr-3182	77	12	is	be	AUX
fsr-3182	77	13	an	an	DET
fsr-3182	77	14	effective	effective	ADJ
fsr-3182	77	15	method	method	NOUN
fsr-3182	77	16	for	for	ADP
fsr-3182	77	17	increasing	increase	VERB
fsr-3182	77	18	demand	demand	NOUN
fsr-3182	77	19	,	,	PUNCT
fsr-3182	77	20	but	but	CCONJ
fsr-3182	77	21	may	may	AUX
fsr-3182	77	22	be	be	AUX
fsr-3182	77	23	a	a	DET
fsr-3182	77	24	poor	poor	ADJ
fsr-3182	77	25	quality	quality	NOUN
fsr-3182	77	26	signal	signal	NOUN
fsr-3182	77	27	of	of	ADP
fsr-3182	77	28	future	future	ADJ
fsr-3182	77	29	performance	performance	NOUN
fsr-3182	77	30	.	.	PUNCT
fsr-3182	78	1	the	the	DET
fsr-3182	78	2	final	final	ADJ
fsr-3182	78	3	article	article	NOUN
fsr-3182	78	4	,	,	PUNCT
fsr-3182	78	5	“	"	PUNCT
fsr-3182	78	6	performance	performance	NOUN
fsr-3182	78	7	and	and	CCONJ
fsr-3182	78	8	persistence	persistence	NOUN
fsr-3182	78	9	of	of	ADP
fsr-3182	78	10	performance	performance	NOUN
fsr-3182	78	11	of	of	ADP
fsr-3182	78	12	healthcare	healthcare	NOUN
fsr-3182	78	13	mutual	mutual	ADJ
fsr-3182	78	14	funds	fund	NOUN
fsr-3182	78	15	,	,	PUNCT
fsr-3182	78	16	”	"	PUNCT
fsr-3182	78	17	is	be	AUX
fsr-3182	78	18	coauthored	coauthore	VERB
fsr-3182	78	19	by	by	ADP
fsr-3182	78	20	abhay	abhay	PROPN
fsr-3182	78	21	kaushik	kaushik	PROPN
fsr-3182	78	22	and	and	CCONJ
fsr-3182	78	23	lynn	lynn	PROPN
fsr-3182	78	24	k.	k.	PROPN
fsr-3182	78	25	saubert	saubert	PROPN
fsr-3182	78	26	both	both	PRON
fsr-3182	78	27	at	at	ADP
fsr-3182	78	28	radford	radford	PROPN
fsr-3182	78	29	university	university	PROPN
fsr-3182	78	30	.	.	PUNCT
fsr-3182	79	1	in	in	ADP
fsr-3182	79	2	this	this	DET
fsr-3182	79	3	article	article	NOUN
fsr-3182	79	4	the	the	DET
fsr-3182	79	5	authors	author	NOUN
fsr-3182	79	6	analyze	analyze	VERB
fsr-3182	79	7	10.55	10.55	NUM
fsr-3182	79	8	actively	actively	ADV
fsr-3182	79	9	managed	manage	VERB
fsr-3182	79	10	domestic	domestic	ADJ
fsr-3182	79	11	healthcare	healthcare	NOUN
fsr-3182	79	12	mutual	mutual	ADJ
fsr-3182	79	13	funds	fund	NOUN
fsr-3182	79	14	over	over	ADP
fsr-3182	79	15	a	a	DET
fsr-3182	79	16	12	12	NUM
fsr-3182	79	17	-	-	PUNCT
fsr-3182	79	18	year	year	NOUN
fsr-3182	79	19	period	period	NOUN
fsr-3182	79	20	.	.	PUNCT
fsr-3182	80	1	they	they	PRON
fsr-3182	80	2	show	show	VERB
fsr-3182	80	3	that	that	SCONJ
fsr-3182	80	4	healthcare	healthcare	PROPN
fsr-3182	80	5	mutual	mutual	ADJ
fsr-3182	80	6	funds	fund	NOUN
fsr-3182	80	7	outperform	outperform	VERB
fsr-3182	80	8	the	the	DET
fsr-3182	80	9	passive	passive	ADJ
fsr-3182	80	10	index	index	NOUN
fsr-3182	80	11	by	by	ADP
fsr-3182	80	12	roughly	roughly	ADV
fsr-3182	80	13	2.97	2.97	NUM
fsr-3182	80	14	percent	percent	NOUN
fsr-3182	80	15	per	per	ADP
fsr-3182	80	16	year	year	NOUN
fsr-3182	80	17	after	after	ADP
fsr-3182	80	18	controlling	control	VERB
fsr-3182	80	19	for	for	ADP
fsr-3182	80	20	the	the	DET
fsr-3182	80	21	market	market	NOUN
fsr-3182	80	22	risk	risk	NOUN
fsr-3182	80	23	premium	premium	NOUN
fsr-3182	80	24	,	,	PUNCT
fsr-3182	80	25	growth	growth	NOUN
fsr-3182	80	26	and	and	CCONJ
fsr-3182	80	27	size	size	NOUN
fsr-3182	80	28	premiums	premium	NOUN
fsr-3182	80	29	,	,	PUNCT
fsr-3182	80	30	and	and	CCONJ
fsr-3182	80	31	momentum	momentum	NOUN
fsr-3182	80	32	effects	effect	NOUN
fsr-3182	80	33	.	.	PUNCT
fsr-3182	81	1	additionally	additionally	ADV
fsr-3182	81	2	they	they	PRON
fsr-3182	81	3	demonstrate	demonstrate	VERB
fsr-3182	81	4	that	that	SCONJ
fsr-3182	81	5	the	the	DET
fsr-3182	81	6	abnormal	abnormal	ADJ
fsr-3182	81	7	performance	performance	NOUN
fsr-3182	81	8	over	over	ADP
fsr-3182	81	9	and	and	CCONJ
fsr-3182	81	10	under	under	ADV
fsr-3182	81	11	does	do	AUX
fsr-3182	81	12	not	not	PART
fsr-3182	81	13	persist	persist	VERB
fsr-3182	81	14	over	over	ADP
fsr-3182	81	15	subsequent	subsequent	ADJ
fsr-3182	81	16	periods	period	NOUN
fsr-3182	81	17	,	,	PUNCT
fsr-3182	81	18	indicating	indicate	VERB
fsr-3182	81	19	that	that	SCONJ
fsr-3182	81	20	under	under	ADP
fsr-3182	81	21	and	and	CCONJ
fsr-3182	81	22	over	over	ADP
fsr-3182	81	23	performances	performance	NOUN
fsr-3182	81	24	are	be	AUX
fsr-3182	81	25	mean	mean	ADV
fsr-3182	81	26	reverting	revert	VERB
fsr-3182	81	27	.	.	PUNCT
fsr-3182	82	1	i	i	PRON
fsr-3182	82	2	would	would	AUX
fsr-3182	82	3	like	like	VERB
fsr-3182	82	4	to	to	PART
fsr-3182	82	5	send	send	VERB
fsr-3182	82	6	a	a	DET
fsr-3182	82	7	special	special	ADJ
fsr-3182	82	8	thank	thank	NOUN
fsr-3182	82	9	you	you	PRON
fsr-3182	82	10	to	to	ADP
fsr-3182	82	11	the	the	DET
fsr-3182	82	12	many	many	ADJ
fsr-3182	82	13	reviewers	reviewer	NOUN
fsr-3182	82	14	that	that	PRON
fsr-3182	82	15	have	have	AUX
fsr-3182	82	16	significantly	significantly	ADV
fsr-3182	82	17	contributed	contribute	VERB
fsr-3182	82	18	to	to	ADP
fsr-3182	82	19	the	the	DET
fsr-3182	82	20	quality	quality	NOUN
fsr-3182	82	21	of	of	ADP
fsr-3182	82	22	our	our	PRON
fsr-3182	82	23	journal	journal	NOUN
fsr-3182	82	24	by	by	ADP
fsr-3182	82	25	providing	provide	VERB
fsr-3182	82	26	timely	timely	ADJ
fsr-3182	82	27	and	and	CCONJ
fsr-3182	82	28	thorough	thorough	ADJ
fsr-3182	82	29	reviews	review	NOUN
fsr-3182	82	30	of	of	ADP
fsr-3182	82	31	the	the	DET
fsr-3182	82	32	submissions	submission	NOUN
fsr-3182	82	33	to	to	ADP
fsr-3182	82	34	our	our	PRON
fsr-3182	82	35	journal	journal	NOUN
fsr-3182	82	36	.	.	PUNCT
fsr-3182	83	1	thanks	thank	NOUN
fsr-3182	83	2	to	to	ADP
fsr-3182	83	3	those	those	PRON
fsr-3182	83	4	who	who	PRON
fsr-3182	83	5	make	make	VERB
fsr-3182	83	6	the	the	DET
fsr-3182	83	7	journal	journal	NOUN
fsr-3182	83	8	possible	possible	ADJ
fsr-3182	83	9	,	,	PUNCT
fsr-3182	83	10	especially	especially	ADV
fsr-3182	83	11	the	the	DET
fsr-3182	83	12	referees	referee	NOUN
fsr-3182	83	13	and	and	CCONJ
fsr-3182	83	14	contributing	contribute	VERB
fsr-3182	83	15	authors	author	NOUN
fsr-3182	83	16	.	.	PUNCT
fsr-3182	84	1	please	please	INTJ
fsr-3182	84	2	consider	consider	VERB
fsr-3182	84	3	submission	submission	NOUN
fsr-3182	84	4	to	to	ADP
fsr-3182	84	5	the	the	DET
fsr-3182	84	6	financial	financial	ADJ
fsr-3182	84	7	services	service	NOUN
fsr-3182	84	8	review	review	NOUN
fsr-3182	84	9	and	and	CCONJ
fsr-3182	84	10	rely	rely	VERB
fsr-3182	84	11	on	on	ADP
fsr-3182	84	12	the	the	DET
fsr-3182	84	13	style	style	NOUN
fsr-3182	84	14	information	information	NOUN
fsr-3182	84	15	provided	provide	VERB
fsr-3182	84	16	to	to	PART
fsr-3182	84	17	ease	ease	VERB
fsr-3182	84	18	readability	readability	NOUN
fsr-3182	84	19	and	and	CCONJ
fsr-3182	84	20	streamline	streamline	VERB
fsr-3182	84	21	the	the	DET
fsr-3182	84	22	review	review	NOUN
fsr-3182	84	23	process	process	NOUN
fsr-3182	84	24	.	.	PUNCT
fsr-3182	85	1	the	the	DET
fsr-3182	85	2	journal	journal	NOUN
fsr-3182	85	3	welcomes	welcome	VERB
fsr-3182	85	4	articles	article	NOUN
fsr-3182	85	5	over	over	ADP
fsr-3182	85	6	the	the	DET
fsr-3182	85	7	range	range	NOUN
fsr-3182	85	8	of	of	ADP
fsr-3182	85	9	areas	area	NOUN
fsr-3182	85	10	that	that	PRON
fsr-3182	85	11	comprise	comprise	VERB
fsr-3182	85	12	personal	personal	ADJ
fsr-3182	85	13	financial	financial	ADJ
fsr-3182	85	14	planning	planning	NOUN
fsr-3182	85	15	.	.	PUNCT
fsr-3182	86	1	while	while	SCONJ
fsr-3182	86	2	fsr	fsr	PROPN
fsr-3182	86	3	articles	article	NOUN
fsr-3182	86	4	are	be	AUX
fsr-3182	86	5	certainly	certainly	ADV
fsr-3182	86	6	diverse	diverse	ADJ
fsr-3182	86	7	in	in	ADP
fsr-3182	86	8	terms	term	NOUN
fsr-3182	86	9	of	of	ADP
fsr-3182	86	10	topic	topic	NOUN
fsr-3182	86	11	,	,	PUNCT
fsr-3182	86	12	data	datum	NOUN
fsr-3182	86	13	,	,	PUNCT
fsr-3182	86	14	and	and	CCONJ
fsr-3182	86	15	method	method	NOUN
fsr-3182	86	16	,	,	PUNCT
fsr-3182	86	17	they	they	PRON
fsr-3182	86	18	are	be	AUX
fsr-3182	86	19	focused	focus	VERB
fsr-3182	86	20	in	in	ADP
fsr-3182	86	21	terms	term	NOUN
fsr-3182	86	22	of	of	ADP
fsr-3182	86	23	motivation	motivation	NOUN
fsr-3182	86	24	.	.	PUNCT
fsr-3182	87	1	fsr	fsr	PROPN
fsr-3182	87	2	exists	exist	VERB
fsr-3182	87	3	to	to	PART
fsr-3182	87	4	produce	produce	VERB
fsr-3182	87	5	research	research	NOUN
fsr-3182	87	6	that	that	PRON
fsr-3182	87	7	addresses	address	VERB
fsr-3182	87	8	issues	issue	NOUN
fsr-3182	87	9	that	that	PRON
fsr-3182	87	10	matter	matter	VERB
fsr-3182	87	11	to	to	ADP
fsr-3182	87	12	individuals	individual	NOUN
fsr-3182	87	13	.	.	PUNCT
fsr-3182	88	1	i	i	PRON
fsr-3182	88	2	remain	remain	VERB
fsr-3182	88	3	committed	committed	ADJ
fsr-3182	88	4	to	to	ADP
fsr-3182	88	5	the	the	DET
fsr-3182	88	6	goal	goal	NOUN
fsr-3182	88	7	of	of	ADP
fsr-3182	88	8	making	make	VERB
fsr-3182	88	9	financial	financial	ADJ
fsr-3182	88	10	services	service	NOUN
fsr-3182	88	11	review	review	VERB
fsr-3182	88	12	the	the	DET
fsr-3182	88	13	best	good	ADJ
fsr-3182	88	14	academic	academic	ADJ
fsr-3182	88	15	journal	journal	NOUN
fsr-3182	88	16	in	in	ADP
fsr-3182	88	17	individual	individual	ADJ
fsr-3182	88	18	financial	financial	ADJ
fsr-3182	88	19	management	management	NOUN
fsr-3182	88	20	and	and	CCONJ
fsr-3182	88	21	personal	personal	ADJ
fsr-3182	88	22	financial	financial	ADJ
fsr-3182	88	23	planning	planning	NOUN
fsr-3182	88	24	.	.	PUNCT
fsr-3182	89	1	i	i	PRON
fsr-3182	89	2	’m	’m	VERB
fsr-3182	89	3	pleased	pleased	ADJ
fsr-3182	89	4	to	to	PART
fsr-3182	89	5	announce	announce	VERB
fsr-3182	89	6	the	the	DET
fsr-3182	89	7	recent	recent	ADJ
fsr-3182	89	8	partnership	partnership	NOUN
fsr-3182	89	9	between	between	ADP
fsr-3182	89	10	academy	academy	NOUN
fsr-3182	89	11	of	of	ADP
fsr-3182	89	12	financial	financial	ADJ
fsr-3182	89	13	services	service	NOUN
fsr-3182	89	14	and	and	CCONJ
fsr-3182	89	15	the	the	DET
fsr-3182	89	16	financial	financial	ADJ
fsr-3182	89	17	planning	planning	PROPN
fsr-3182	89	18	association	association	PROPN
fsr-3182	89	19	.	.	PUNCT
fsr-3182	90	1	the	the	DET
fsr-3182	90	2	joint	joint	ADJ
fsr-3182	90	3	april	april	PROPN
fsr-3182	90	4	announcement	announcement	NOUN
fsr-3182	90	5	stated	state	VERB
fsr-3182	90	6	“	"	PUNCT
fsr-3182	90	7	the	the	DET
fsr-3182	90	8	financial	financial	ADJ
fsr-3182	90	9	planning	planning	PROPN
fsr-3182	90	10	association	association	PROPN
fsr-3182	90	11	®	®	PROPN
fsr-3182	90	12	(	(	PUNCT
fsr-3182	90	13	fpa	fpa	PROPN
fsr-3182	90	14	®	®	PROPN
fsr-3182	90	15	)	)	PUNCT
fsr-3182	90	16	and	and	CCONJ
fsr-3182	90	17	the	the	DET
fsr-3182	90	18	academy	academy	NOUN
fsr-3182	90	19	of	of	ADP
fsr-3182	90	20	financial	financial	ADJ
fsr-3182	90	21	services	service	NOUN
fsr-3182	90	22	(	(	PUNCT
fsr-3182	90	23	afs	afs	NOUN
fsr-3182	90	24	)	)	PUNCT
fsr-3182	90	25	have	have	AUX
fsr-3182	90	26	entered	enter	VERB
fsr-3182	90	27	into	into	ADP
fsr-3182	90	28	a	a	DET
fsr-3182	90	29	partnership	partnership	NOUN
fsr-3182	90	30	that	that	PRON
fsr-3182	90	31	makes	make	VERB
fsr-3182	90	32	the	the	DET
fsr-3182	90	33	two	two	NUM
fsr-3182	90	34	organizations	organization	NOUN
fsr-3182	90	35	co	co	NOUN
fsr-3182	90	36	-	-	NOUN
fsr-3182	90	37	publishers	publisher	NOUN
fsr-3182	90	38	of	of	ADP
fsr-3182	90	39	financial	financial	ADJ
fsr-3182	90	40	services	service	NOUN
fsr-3182	90	41	review	review	NOUN
fsr-3182	90	42	.	.	PUNCT
fsr-3182	91	1	“	"	PUNCT
fsr-3182	91	2	as	as	SCONJ
fsr-3182	91	3	the	the	DET
fsr-3182	91	4	membership	membership	NOUN
fsr-3182	91	5	organization	organization	NOUN
fsr-3182	91	6	for	for	ADP
fsr-3182	91	7	cfp	cfp	PROPN
fsr-3182	91	8	®	®	NOUN
fsr-3182	91	9	professionals	professional	NOUN
fsr-3182	91	10	,	,	PUNCT
fsr-3182	91	11	fpa	fpa	PROPN
fsr-3182	91	12	is	be	AUX
fsr-3182	91	13	committed	commit	VERB
fsr-3182	91	14	to	to	ADP
fsr-3182	91	15	bringing	bring	VERB
fsr-3182	91	16	together	together	ADV
fsr-3182	91	17	all	all	DET
fsr-3182	91	18	key	key	ADJ
fsr-3182	91	19	stakeholders	stakeholder	NOUN
fsr-3182	91	20	that	that	PRON
fsr-3182	91	21	advance	advance	VERB
fsr-3182	91	22	the	the	DET
fsr-3182	91	23	profession	profession	NOUN
fsr-3182	91	24	of	of	ADP
fsr-3182	91	25	financial	financial	ADJ
fsr-3182	91	26	planning	planning	NOUN
fsr-3182	91	27	.	.	PUNCT
fsr-3182	92	1	this	this	DET
fsr-3182	92	2	partnership	partnership	NOUN
fsr-3182	92	3	enables	enable	VERB
fsr-3182	92	4	fpa	fpa	PROPN
fsr-3182	92	5	to	to	PART
fsr-3182	92	6	connect	connect	VERB
fsr-3182	92	7	academicians	academician	NOUN
fsr-3182	92	8	,	,	PUNCT
fsr-3182	92	9	practitioners	practitioner	NOUN
fsr-3182	92	10	and	and	CCONJ
fsr-3182	92	11	students	student	NOUN
fsr-3182	92	12	in	in	ADP
fsr-3182	92	13	support	support	NOUN
fsr-3182	92	14	of	of	ADP
fsr-3182	92	15	its	its	PRON
fsr-3182	92	16	members	member	NOUN
fsr-3182	92	17	and	and	CCONJ
fsr-3182	92	18	the	the	DET
fsr-3182	92	19	growth	growth	NOUN
fsr-3182	92	20	of	of	ADP
fsr-3182	92	21	the	the	DET
fsr-3182	92	22	profession	profession	NOUN
fsr-3182	92	23	,	,	PUNCT
fsr-3182	92	24	”	"	PUNCT
fsr-3182	92	25	said	say	VERB
fsr-3182	92	26	lauren	lauren	PROPN
fsr-3182	92	27	m.	m.	PROPN
fsr-3182	92	28	schadle	schadle	PROPN
fsr-3182	92	29	,	,	PUNCT
fsr-3182	92	30	cae	cae	PROPN
fsr-3182	92	31	,	,	PUNCT
fsr-3182	92	32	fpa	fpa	PROPN
fsr-3182	92	33	executive	executive	ADJ
fsr-3182	92	34	director	director	NOUN
fsr-3182	92	35	and	and	CCONJ
fsr-3182	92	36	ceo	ceo	NOUN
fsr-3182	92	37	.	.	PUNCT
fsr-3182	93	1	“	"	PUNCT
fsr-3182	93	2	an	an	DET
fsr-3182	93	3	electronic	electronic	ADJ
fsr-3182	93	4	version	version	NOUN
fsr-3182	93	5	of	of	ADP
fsr-3182	93	6	financial	financial	ADJ
fsr-3182	93	7	services	service	NOUN
fsr-3182	93	8	review	review	NOUN
fsr-3182	93	9	will	will	AUX
fsr-3182	93	10	be	be	AUX
fsr-3182	93	11	available	available	ADJ
fsr-3182	93	12	to	to	ADP
fsr-3182	93	13	all	all	DET
fsr-3182	93	14	fpa	fpa	PROPN
fsr-3182	93	15	members	member	NOUN
fsr-3182	93	16	,	,	PUNCT
fsr-3182	93	17	which	which	PRON
fsr-3182	93	18	will	will	AUX
fsr-3182	93	19	complement	complement	VERB
fsr-3182	93	20	the	the	DET
fsr-3182	93	21	award	award	NOUN
fsr-3182	93	22	winning	win	VERB
fsr-3182	93	23	journal	journal	NOUN
fsr-3182	93	24	of	of	ADP
fsr-3182	93	25	financial	financial	ADJ
fsr-3182	93	26	planning	planning	NOUN
fsr-3182	93	27	and	and	CCONJ
fsr-3182	93	28	substantiate	substantiate	VERB
fsr-3182	93	29	fpa	fpa	PROPN
fsr-3182	93	30	’s	’s	PART
fsr-3182	93	31	role	role	NOUN
fsr-3182	93	32	in	in	ADP
fsr-3182	93	33	expanding	expand	VERB
fsr-3182	93	34	the	the	DET
fsr-3182	93	35	body	body	NOUN
fsr-3182	93	36	of	of	ADP
fsr-3182	93	37	knowledge	knowledge	NOUN
fsr-3182	93	38	for	for	ADP
fsr-3182	93	39	financial	financial	ADJ
fsr-3182	93	40	planning	planning	NOUN
fsr-3182	93	41	.	.	PUNCT
fsr-3182	93	42	”	"	PUNCT
fsr-3182	94	1	“	"	PUNCT
fsr-3182	94	2	fpa	fpa	NOUN
fsr-3182	94	3	and	and	CCONJ
fsr-3182	94	4	afs	afs	PROPN
fsr-3182	94	5	share	share	VERB
fsr-3182	94	6	the	the	DET
fsr-3182	94	7	desire	desire	NOUN
fsr-3182	94	8	to	to	PART
fsr-3182	94	9	encourage	encourage	VERB
fsr-3182	94	10	basic	basic	ADJ
fsr-3182	94	11	and	and	CCONJ
fsr-3182	94	12	applied	applied	ADJ
fsr-3182	94	13	research	research	NOUN
fsr-3182	94	14	in	in	ADP
fsr-3182	94	15	personal	personal	ADJ
fsr-3182	94	16	financial	financial	ADJ
fsr-3182	94	17	planning	planning	NOUN
fsr-3182	94	18	,	,	PUNCT
fsr-3182	94	19	as	as	ADV
fsr-3182	94	20	well	well	ADV
fsr-3182	94	21	as	as	ADP
fsr-3182	94	22	the	the	DET
fsr-3182	94	23	need	need	NOUN
fsr-3182	94	24	for	for	ADP
fsr-3182	94	25	interaction	interaction	NOUN
fsr-3182	94	26	between	between	ADP
fsr-3182	94	27	financial	financial	ADJ
fsr-3182	94	28	services	service	NOUN
fsr-3182	94	29	professionals	professional	NOUN
fsr-3182	94	30	and	and	CCONJ
fsr-3182	94	31	academicians	academician	NOUN
fsr-3182	94	32	.	.	PUNCT
fsr-3182	95	1	working	work	VERB
fsr-3182	95	2	together	together	ADV
fsr-3182	95	3	,	,	PUNCT
fsr-3182	95	4	we	we	PRON
fsr-3182	95	5	can	can	AUX
fsr-3182	95	6	bring	bring	VERB
fsr-3182	95	7	these	these	DET
fsr-3182	95	8	groups	group	NOUN
fsr-3182	95	9	into	into	ADP
fsr-3182	95	10	greater	great	ADJ
fsr-3182	95	11	alignment	alignment	NOUN
fsr-3182	95	12	for	for	ADP
fsr-3182	95	13	the	the	DET
fsr-3182	95	14	benefit	benefit	NOUN
fsr-3182	95	15	of	of	ADP
fsr-3182	95	16	the	the	DET
fsr-3182	95	17	profession	profession	NOUN
fsr-3182	95	18	and	and	CCONJ
fsr-3182	95	19	the	the	DET
fsr-3182	95	20	people	people	NOUN
fsr-3182	95	21	it	it	PRON
fsr-3182	95	22	serves	serve	VERB
fsr-3182	95	23	,	,	PUNCT
fsr-3182	95	24	”	"	PUNCT
fsr-3182	95	25	added	add	VERB
fsr-3182	95	26	lance	lance	PROPN
fsr-3182	95	27	palmer	palmer	PROPN
fsr-3182	95	28	,	,	PUNCT
fsr-3182	95	29	ph.d	ph.d	PROPN
fsr-3182	95	30	.	.	PROPN
fsr-3182	95	31	,	,	PUNCT
fsr-3182	95	32	cfp	cfp	PROPN
fsr-3182	95	33	®	®	PROPN
fsr-3182	95	34	,	,	PUNCT
fsr-3182	95	35	president	president	NOUN
fsr-3182	95	36	of	of	ADP
fsr-3182	95	37	afs	afs	NOUN
fsr-3182	95	38	and	and	CCONJ
fsr-3182	95	39	associate	associate	ADJ
fsr-3182	95	40	professor	professor	NOUN
fsr-3182	95	41	at	at	ADP
fsr-3182	95	42	the	the	DET
fsr-3182	95	43	university	university	PROPN
fsr-3182	95	44	of	of	ADP
fsr-3182	95	45	georgia	georgia	PROPN
fsr-3182	95	46	.	.	PUNCT
fsr-3182	96	1	afs	afs	PROPN
fsr-3182	96	2	will	will	AUX
fsr-3182	96	3	be	be	AUX
fsr-3182	96	4	invited	invite	VERB
fsr-3182	96	5	to	to	AUX
fsr-3182	96	6	co	co	VERB
fsr-3182	96	7	-	-	NOUN
fsr-3182	96	8	sponsor	sponsor	ADJ
fsr-3182	96	9	academic	academic	ADJ
fsr-3182	96	10	research	research	NOUN
fsr-3182	96	11	presentations	presentation	NOUN
fsr-3182	96	12	and	and	CCONJ
fsr-3182	96	13	hold	hold	VERB
fsr-3182	96	14	a	a	DET
fsr-3182	96	15	joint	joint	ADJ
fsr-3182	96	16	session	session	NOUN
fsr-3182	96	17	to	to	PART
fsr-3182	96	18	discuss	discuss	VERB
fsr-3182	96	19	the	the	DET
fsr-3182	96	20	needs	need	NOUN
fsr-3182	96	21	and	and	CCONJ
fsr-3182	96	22	priorities	priority	NOUN
fsr-3182	96	23	for	for	ADP
fsr-3182	96	24	practitioner	practitioner	NOUN
fsr-3182	96	25	-	-	PUNCT
fsr-3182	96	26	focused	focus	VERB
fsr-3182	96	27	academic	academic	ADJ
fsr-3182	96	28	research	research	NOUN
fsr-3182	96	29	at	at	ADP
fsr-3182	96	30	fpa	fpa	PROPN
fsr-3182	96	31	be	be	AUX
fsr-3182	96	32	:	:	PUNCT
fsr-3182	96	33	seattle	seattle	PROPN
fsr-3182	96	34	2014	2014	NUM
fsr-3182	96	35	,	,	PUNCT
fsr-3182	96	36	the	the	DET
fsr-3182	96	37	annual	annual	ADJ
fsr-3182	96	38	conference	conference	NOUN
fsr-3182	96	39	of	of	ADP
fsr-3182	96	40	the	the	DET
fsr-3182	96	41	financial	financial	ADJ
fsr-3182	96	42	planning	planning	NOUN
fsr-3182	96	43	community	community	PROPN
fsr-3182	96	44	sept	sept	PROPN
fsr-3182	96	45	.	.	PROPN
fsr-3182	96	46	20	20	NUM
fsr-3182	96	47	-	-	SYM
fsr-3182	96	48	22	22	NUM
fsr-3182	96	49	.	.	PUNCT
fsr-3182	96	50	”	"	PUNCT
fsr-3182	97	1	best	good	ADJ
fsr-3182	97	2	regards	regard	VERB
fsr-3182	97	3	,	,	PUNCT
fsr-3182	97	4	stuart	stuart	PROPN
fsr-3182	97	5	michelson	michelson	PROPN
fsr-3182	97	6	editor	editor	PROPN
fsr-3182	97	7	financial	financial	PROPN
fsr-3182	97	8	services	services	PROPN
fsr-3182	97	9	review	review	VERB
fsr-3182	97	10	vi	vi	PROPN
fsr-3182	97	11	editorial	editorial	NOUN
fsr-3182	97	12	/	/	SYM
fsr-3182	97	13	financial	financial	ADJ
fsr-3182	97	14	services	service	NOUN
fsr-3182	97	15	review	review	VERB
fsr-3182	97	16	23	23	NUM
fsr-3182	97	17	(	(	PUNCT
fsr-3182	97	18	2014	2014	NUM
fsr-3182	97	19	)	)	PUNCT
fsr-3182	97	20	v	v	NOUN
fsr-3182	97	21	–	–	PUNCT
fsr-3182	97	22	vi	vi	NOUN