id	sid	tid	token	lemma	pos
fsr-3188	1	1	finser_23_2	finser_23_2	PROPN
fsr-3188	1	2	academy	academy	NOUN
fsr-3188	1	3	of	of	ADP
fsr-3188	1	4	financial	financial	ADJ
fsr-3188	1	5	services	service	NOUN
fsr-3188	1	6	officers	officer	NOUN
fsr-3188	1	7	president	president	PROPN
fsr-3188	1	8	lance	lance	PROPN
fsr-3188	1	9	palmer	palmer	PROPN
fsr-3188	1	10	university	university	PROPN
fsr-3188	1	11	of	of	ADP
fsr-3188	1	12	georgia	georgia	PROPN
fsr-3188	1	13	president	president	PROPN
fsr-3188	1	14	-	-	PUNCT
fsr-3188	1	15	elect	elect	PROPN
fsr-3188	1	16	william	william	PROPN
fsr-3188	1	17	chittenden	chittenden	PROPN
fsr-3188	2	1	texas	texas	PROPN
fsr-3188	2	2	state	state	PROPN
fsr-3188	2	3	university	university	PROPN
fsr-3188	2	4	executive	executive	ADJ
fsr-3188	2	5	vice	vice	NOUN
fsr-3188	2	6	president	president	NOUN
fsr-3188	2	7	-	-	PUNCT
fsr-3188	2	8	program	program	NOUN
fsr-3188	2	9	thomas	thomas	PROPN
fsr-3188	2	10	coe	coe	PROPN
fsr-3188	2	11	quinnipiac	quinnipiac	PROPN
fsr-3188	2	12	university	university	PROPN
fsr-3188	2	13	vice	vice	PROPN
fsr-3188	2	14	president	president	NOUN
fsr-3188	2	15	-	-	PUNCT
fsr-3188	2	16	communications	communication	NOUN
fsr-3188	2	17	christine	christine	PROPN
fsr-3188	2	18	mcclatchey	mcclatchey	PROPN
fsr-3188	2	19	university	university	PROPN
fsr-3188	2	20	of	of	ADP
fsr-3188	2	21	northern	northern	PROPN
fsr-3188	2	22	colorado	colorado	PROPN
fsr-3188	2	23	vice	vice	NOUN
fsr-3188	2	24	president	president	NOUN
fsr-3188	2	25	-	-	PUNCT
fsr-3188	2	26	finance	finance	NOUN
fsr-3188	2	27	diane	diane	NOUN
fsr-3188	2	28	docking	dock	VERB
fsr-3188	2	29	northern	northern	PROPN
fsr-3188	2	30	illinois	illinois	PROPN
fsr-3188	2	31	university	university	PROPN
fsr-3188	2	32	thomas	thomas	PROPN
fsr-3188	2	33	langdon	langdon	PROPN
fsr-3188	2	34	roger	roger	PROPN
fsr-3188	2	35	williams	williams	PROPN
fsr-3188	2	36	university	university	PROPN
fsr-3188	2	37	vice	vice	PROPN
fsr-3188	2	38	president	president	PROPN
fsr-3188	2	39	-	-	PUNCT
fsr-3188	2	40	international	international	ADJ
fsr-3188	2	41	relations	relation	NOUN
fsr-3188	2	42	claire	claire	PROPN
fsr-3188	2	43	matthews	matthews	PROPN
fsr-3188	2	44	massey	massey	PROPN
fsr-3188	2	45	university	university	PROPN
fsr-3188	2	46	vice	vice	NOUN
fsr-3188	2	47	president	president	NOUN
fsr-3188	2	48	-	-	PUNCT
fsr-3188	2	49	professional	professional	ADJ
fsr-3188	2	50	organizations	organization	NOUN
fsr-3188	2	51	tom	tom	PROPN
fsr-3188	2	52	warschauer	warschauer	PROPN
fsr-3188	2	53	san	san	PROPN
fsr-3188	2	54	diego	diego	PROPN
fsr-3188	2	55	state	state	PROPN
fsr-3188	2	56	university	university	PROPN
fsr-3188	2	57	vice	vice	NOUN
fsr-3188	2	58	president	president	NOUN
fsr-3188	2	59	-	-	PUNCT
fsr-3188	2	60	mktg	mktg	PROPN
fsr-3188	2	61	&	&	CCONJ
fsr-3188	2	62	public	public	ADJ
fsr-3188	2	63	relations	relation	NOUN
fsr-3188	2	64	a.	a.	PROPN
fsr-3188	2	65	william	william	PROPN
fsr-3188	2	66	gustafson	gustafson	PROPN
fsr-3188	2	67	texas	texas	PROPN
fsr-3188	2	68	tech	tech	PROPN
fsr-3188	2	69	university	university	PROPN
fsr-3188	2	70	vice	vice	NOUN
fsr-3188	2	71	president	president	NOUN
fsr-3188	2	72	-	-	PUNCT
fsr-3188	2	73	membership	membership	NOUN
fsr-3188	2	74	larry	larry	PROPN
fsr-3188	2	75	prather	prather	PROPN
fsr-3188	2	76	southeastern	southeastern	PROPN
fsr-3188	2	77	oklahoma	oklahoma	PROPN
fsr-3188	2	78	state	state	PROPN
fsr-3188	2	79	university	university	PROPN
fsr-3188	2	80	vp	vp	PROPN
fsr-3188	2	81	local	local	ADJ
fsr-3188	2	82	arrangements	arrangement	NOUN
fsr-3188	2	83	2014	2014	NUM
fsr-3188	2	84	duncan	duncan	PROPN
fsr-3188	2	85	williams	williams	PROPN
fsr-3188	2	86	william	william	PROPN
fsr-3188	2	87	patterson	patterson	PROPN
fsr-3188	2	88	university	university	PROPN
fsr-3188	2	89	vp	vp	PROPN
fsr-3188	2	90	local	local	ADJ
fsr-3188	2	91	arrangements	arrangement	NOUN
fsr-3188	2	92	2015	2015	NUM
fsr-3188	2	93	benjamin	benjamin	PROPN
fsr-3188	2	94	cummings	cummings	PROPN
fsr-3188	2	95	saint	saint	PROPN
fsr-3188	2	96	joseph	joseph	PROPN
fsr-3188	2	97	’s	’s	PART
fsr-3188	2	98	university	university	PROPN
fsr-3188	2	99	immediate	immediate	ADJ
fsr-3188	2	100	past	past	PROPN
fsr-3188	2	101	president	president	PROPN
fsr-3188	2	102	frank	frank	PROPN
fsr-3188	2	103	laatsch	laatsch	PROPN
fsr-3188	2	104	univ	univ	PROPN
fsr-3188	2	105	.	.	PROPN
fsr-3188	2	106	of	of	ADP
fsr-3188	2	107	southern	southern	ADJ
fsr-3188	2	108	mississippi	mississippi	PROPN
fsr-3188	2	109	editor	editor	NOUN
fsr-3188	2	110	,	,	PUNCT
fsr-3188	2	111	financial	financial	ADJ
fsr-3188	2	112	services	service	NOUN
fsr-3188	2	113	review	review	VERB
fsr-3188	2	114	stuart	stuart	PROPN
fsr-3188	2	115	michelson	michelson	PROPN
fsr-3188	2	116	stetson	stetson	PROPN
fsr-3188	2	117	university	university	PROPN
fsr-3188	2	118	directors	director	NOUN
fsr-3188	2	119	robert	robert	PROPN
fsr-3188	2	120	moreschi	moreschi	PROPN
fsr-3188	2	121	virginia	virginia	PROPN
fsr-3188	2	122	military	military	PROPN
fsr-3188	2	123	institute	institute	PROPN
fsr-3188	2	124	dale	dale	PROPN
fsr-3188	2	125	domian	domian	PROPN
fsr-3188	2	126	york	york	PROPN
fsr-3188	2	127	university	university	PROPN
fsr-3188	2	128	charles	charles	PROPN
fsr-3188	2	129	chaffin	chaffin	PROPN
fsr-3188	2	130	cfp	cfp	PROPN
fsr-3188	2	131	board	board	PROPN
fsr-3188	2	132	of	of	ADP
fsr-3188	2	133	standards	standard	NOUN
fsr-3188	2	134	rich	rich	ADJ
fsr-3188	2	135	fortin	fortin	PROPN
fsr-3188	2	136	new	new	PROPN
fsr-3188	2	137	mexico	mexico	PROPN
fsr-3188	2	138	state	state	PROPN
fsr-3188	2	139	university	university	PROPN
fsr-3188	2	140	grady	grady	PROPN
fsr-3188	2	141	perdue	perdue	PROPN
fsr-3188	2	142	university	university	PROPN
fsr-3188	2	143	of	of	ADP
fsr-3188	2	144	houston	houston	PROPN
fsr-3188	2	145	clear	clear	PROPN
fsr-3188	2	146	lake	lake	PROPN
fsr-3188	2	147	jacob	jacob	PROPN
fsr-3188	2	148	sybrowsky	sybrowsky	PROPN
fsr-3188	2	149	utah	utah	PROPN
fsr-3188	2	150	valley	valley	PROPN
fsr-3188	2	151	university	university	PROPN
fsr-3188	2	152	past	past	PROPN
fsr-3188	2	153	presidents	president	NOUN
fsr-3188	2	154	frank	frank	PROPN
fsr-3188	2	155	laatsch	laatsch	PROPN
fsr-3188	2	156	,	,	PUNCT
fsr-3188	2	157	2012	2012	NUM
fsr-3188	2	158	-	-	SYM
fsr-3188	2	159	13	13	NUM
fsr-3188	2	160	univ	univ	PROPN
fsr-3188	2	161	.	.	PROPN
fsr-3188	3	1	of	of	ADP
fsr-3188	3	2	southern	southern	PROPN
fsr-3188	3	3	mississippi	mississippi	PROPN
fsr-3188	3	4	brian	brian	PROPN
fsr-3188	3	5	boscaljon	boscaljon	PROPN
fsr-3188	4	1	,	,	PUNCT
fsr-3188	4	2	2011	2011	NUM
fsr-3188	4	3	-	-	SYM
fsr-3188	4	4	12	12	NUM
fsr-3188	4	5	penn	penn	PROPN
fsr-3188	4	6	state	state	PROPN
fsr-3188	4	7	university	university	PROPN
fsr-3188	4	8	-	-	PUNCT
fsr-3188	4	9	erie	erie	PROPN
fsr-3188	4	10	halil	halil	PROPN
fsr-3188	4	11	kiymaz	kiymaz	PROPN
fsr-3188	4	12	,	,	PUNCT
fsr-3188	4	13	2010	2010	NUM
fsr-3188	4	14	-	-	SYM
fsr-3188	4	15	11	11	NUM
fsr-3188	4	16	rollins	rollin	NOUN
fsr-3188	4	17	college	college	PROPN
fsr-3188	4	18	of	of	ADP
fsr-3188	4	19	business	business	PROPN
fsr-3188	4	20	david	david	PROPN
fsr-3188	4	21	lange	lange	PROPN
fsr-3188	4	22	,	,	PUNCT
fsr-3188	4	23	2009	2009	NUM
fsr-3188	4	24	-	-	SYM
fsr-3188	4	25	10	10	NUM
fsr-3188	4	26	auburn	auburn	NOUN
fsr-3188	4	27	university	university	PROPN
fsr-3188	4	28	,	,	PUNCT
fsr-3188	4	29	montgomery	montgomery	PROPN
fsr-3188	4	30	vickie	vickie	PROPN
fsr-3188	4	31	hampton	hampton	PROPN
fsr-3188	4	32	,	,	PUNCT
fsr-3188	4	33	2008	2008	NUM
fsr-3188	4	34	-	-	SYM
fsr-3188	4	35	09	09	NUM
fsr-3188	4	36	texas	texas	PROPN
fsr-3188	4	37	tech	tech	PROPN
fsr-3188	4	38	university	university	PROPN
fsr-3188	4	39	frank	frank	PROPN
fsr-3188	4	40	laatsch	laatsch	PROPN
fsr-3188	4	41	2007	2007	NUM
fsr-3188	4	42	-	-	SYM
fsr-3188	4	43	08	08	NUM
fsr-3188	4	44	university	university	PROPN
fsr-3188	4	45	of	of	ADP
fsr-3188	4	46	southern	southern	PROPN
fsr-3188	4	47	mississippi	mississippi	PROPN
fsr-3188	4	48	daniel	daniel	PROPN
fsr-3188	4	49	walz	walz	PROPN
fsr-3188	4	50	,	,	PUNCT
fsr-3188	4	51	2006	2006	NUM
fsr-3188	4	52	-	-	SYM
fsr-3188	4	53	07	07	NUM
fsr-3188	4	54	trinity	trinity	NOUN
fsr-3188	4	55	university	university	PROPN
fsr-3188	4	56	anne	anne	PROPN
fsr-3188	4	57	gleason	gleason	PROPN
fsr-3188	4	58	,	,	PUNCT
fsr-3188	4	59	2005	2005	NUM
fsr-3188	4	60	-	-	SYM
fsr-3188	4	61	06	06	NUM
fsr-3188	4	62	college	college	PROPN
fsr-3188	4	63	of	of	ADP
fsr-3188	4	64	charleston	charleston	PROPN
fsr-3188	4	65	stuart	stuart	PROPN
fsr-3188	4	66	michelson	michelson	PROPN
fsr-3188	4	67	,	,	PUNCT
fsr-3188	4	68	2004	2004	NUM
fsr-3188	4	69	-	-	SYM
fsr-3188	4	70	05	05	NUM
fsr-3188	4	71	stetson	stetson	PROPN
fsr-3188	4	72	university	university	PROPN
fsr-3188	4	73	grady	grady	PROPN
fsr-3188	4	74	perdue	perdue	PROPN
fsr-3188	4	75	,	,	PUNCT
fsr-3188	4	76	2003	2003	NUM
fsr-3188	4	77	-	-	SYM
fsr-3188	4	78	04	04	NUM
fsr-3188	4	79	university	university	PROPN
fsr-3188	4	80	of	of	ADP
fsr-3188	4	81	houston	houston	PROPN
fsr-3188	4	82	-	-	PUNCT
fsr-3188	4	83	clear	clear	PROPN
fsr-3188	4	84	lake	lake	PROPN
fsr-3188	4	85	vickie	vickie	PROPN
fsr-3188	4	86	bajtelsmit	bajtelsmit	NOUN
fsr-3188	4	87	,	,	PUNCT
fsr-3188	4	88	2002	2002	NUM
fsr-3188	4	89	-	-	SYM
fsr-3188	4	90	03	03	NUM
fsr-3188	4	91	colorado	colorado	PROPN
fsr-3188	4	92	state	state	PROPN
fsr-3188	4	93	university	university	PROPN
fsr-3188	4	94	karen	karen	PROPN
fsr-3188	4	95	eilers	eilers	PROPN
fsr-3188	4	96	lahey	lahey	PROPN
fsr-3188	4	97	,	,	PUNCT
fsr-3188	4	98	2001	2001	NUM
fsr-3188	4	99	-	-	SYM
fsr-3188	4	100	02	02	NUM
fsr-3188	4	101	university	university	PROPN
fsr-3188	4	102	of	of	ADP
fsr-3188	4	103	akron	akron	PROPN
fsr-3188	4	104	tom	tom	PROPN
fsr-3188	4	105	eyssell	eyssell	PROPN
fsr-3188	4	106	,	,	PUNCT
fsr-3188	4	107	2000	2000	NUM
fsr-3188	4	108	-	-	SYM
fsr-3188	4	109	01	01	NUM
fsr-3188	4	110	university	university	PROPN
fsr-3188	4	111	of	of	ADP
fsr-3188	4	112	missouri	missouri	PROPN
fsr-3188	4	113	-	-	PROPN
fsr-3188	4	114	st	st	PROPN
fsr-3188	4	115	.	.	PROPN
fsr-3188	4	116	louis	louis	PROPN
fsr-3188	4	117	jill	jill	PROPN
fsr-3188	4	118	lynn	lynn	PROPN
fsr-3188	4	119	vihtelic	vihtelic	PROPN
fsr-3188	4	120	,	,	PUNCT
fsr-3188	4	121	1999	1999	NUM
fsr-3188	4	122	-	-	SYM
fsr-3188	4	123	00	00	NUM
fsr-3188	4	124	saint	saint	PROPN
fsr-3188	4	125	mary	mary	PROPN
fsr-3188	4	126	’s	’s	PART
fsr-3188	4	127	college	college	PROPN
fsr-3188	4	128	terry	terry	PROPN
fsr-3188	4	129	zivney	zivney	PROPN
fsr-3188	4	130	,	,	PUNCT
fsr-3188	4	131	1998	1998	NUM
fsr-3188	4	132	-	-	SYM
fsr-3188	4	133	99	99	NUM
fsr-3188	4	134	ball	ball	NOUN
fsr-3188	4	135	state	state	NOUN
fsr-3188	4	136	university	university	PROPN
fsr-3188	4	137	don	don	PROPN
fsr-3188	4	138	holdren	holdren	NOUN
fsr-3188	4	139	,	,	PUNCT
fsr-3188	4	140	1997	1997	NUM
fsr-3188	4	141	-	-	SYM
fsr-3188	4	142	98	98	NUM
fsr-3188	4	143	marshall	marshall	PROPN
fsr-3188	4	144	university	university	PROPN
fsr-3188	4	145	robert	robert	PROPN
fsr-3188	4	146	mcleod	mcleod	PROPN
fsr-3188	4	147	,	,	PUNCT
fsr-3188	4	148	1996	1996	NUM
fsr-3188	4	149	-	-	SYM
fsr-3188	4	150	97	97	NUM
fsr-3188	4	151	university	university	PROPN
fsr-3188	4	152	of	of	ADP
fsr-3188	4	153	alabama	alabama	PROPN
fsr-3188	4	154	walt	walt	PROPN
fsr-3188	4	155	woerheide	woerheide	PROPN
fsr-3188	4	156	,	,	PUNCT
fsr-3188	4	157	1995	1995	NUM
fsr-3188	4	158	-	-	SYM
fsr-3188	4	159	96	96	NUM
fsr-3188	4	160	the	the	DET
fsr-3188	4	161	american	american	PROPN
fsr-3188	4	162	college	college	PROPN
fsr-3188	4	163	dixie	dixie	PROPN
fsr-3188	4	164	mills	mill	NOUN
fsr-3188	4	165	,	,	PUNCT
fsr-3188	4	166	1994	1994	NUM
fsr-3188	4	167	-95	-95	SYM
fsr-3188	4	168	illinois	illinois	PROPN
fsr-3188	4	169	state	state	PROPN
fsr-3188	4	170	university	university	PROPN
fsr-3188	4	171	ted	te	VERB
fsr-3188	4	172	veit	veit	PROPN
fsr-3188	4	173	,	,	PUNCT
fsr-3188	4	174	1993	1993	NUM
fsr-3188	4	175	-	-	SYM
fsr-3188	4	176	94	94	NUM
fsr-3188	4	177	rollins	rollins	PROPN
fsr-3188	4	178	college	college	PROPN
fsr-3188	4	179	mona	mona	PROPN
fsr-3188	4	180	gardner	gardner	PROPN
fsr-3188	4	181	,	,	PUNCT
fsr-3188	4	182	1992	1992	NUM
fsr-3188	4	183	-	-	SYM
fsr-3188	4	184	93	93	NUM
fsr-3188	4	185	illinois	illinois	PROPN
fsr-3188	4	186	wesleyan	wesleyan	PROPN
fsr-3188	4	187	university	university	PROPN
fsr-3188	4	188	jean	jean	PROPN
fsr-3188	4	189	l.	l.	PROPN
fsr-3188	4	190	heck	heck	PROPN
fsr-3188	4	191	,	,	PUNCT
fsr-3188	4	192	1991	1991	NUM
fsr-3188	4	193	-	-	SYM
fsr-3188	4	194	92	92	NUM
fsr-3188	4	195	villanova	villanova	PROPN
fsr-3188	4	196	university	university	PROPN
fsr-3188	4	197	frank	frank	PROPN
fsr-3188	4	198	k.	k.	PROPN
fsr-3188	4	199	reilly	reilly	PROPN
fsr-3188	4	200	,	,	PUNCT
fsr-3188	4	201	1990	1990	NUM
fsr-3188	4	202	-	-	SYM
fsr-3188	4	203	91	91	NUM
fsr-3188	4	204	university	university	NOUN
fsr-3188	4	205	of	of	ADP
fsr-3188	4	206	notre	notre	PROPN
fsr-3188	4	207	dame	dame	PROPN
fsr-3188	4	208	lawrence	lawrence	PROPN
fsr-3188	4	209	j.	j.	PROPN
fsr-3188	4	210	gitman	gitman	PROPN
fsr-3188	4	211	,	,	PUNCT
fsr-3188	4	212	1989	1989	NUM
fsr-3188	4	213	-	-	SYM
fsr-3188	4	214	90	90	NUM
fsr-3188	4	215	san	san	PROPN
fsr-3188	4	216	diego	diego	PROPN
fsr-3188	4	217	state	state	PROPN
fsr-3188	4	218	university	university	PROPN
fsr-3188	4	219	travis	travis	PROPN
fsr-3188	4	220	s.	s.	PROPN
fsr-3188	4	221	pritchett	pritchett	PROPN
fsr-3188	4	222	,	,	PUNCT
fsr-3188	4	223	1988	1988	NUM
fsr-3188	4	224	-	-	SYM
fsr-3188	4	225	89	89	NUM
fsr-3188	4	226	university	university	NOUN
fsr-3188	4	227	of	of	ADP
fsr-3188	4	228	south	south	PROPN
fsr-3188	4	229	carolina	carolina	PROPN
fsr-3188	4	230	tom	tom	PROPN
fsr-3188	4	231	potts	potts	PROPN
fsr-3188	4	232	,	,	PUNCT
fsr-3188	4	233	1987	1987	NUM
fsr-3188	4	234	-	-	SYM
fsr-3188	4	235	88	88	NUM
fsr-3188	4	236	baylor	baylor	NOUN
fsr-3188	4	237	university	university	PROPN
fsr-3188	4	238	robert	robert	PROPN
fsr-3188	4	239	f.	f.	PROPN
fsr-3188	4	240	bohn	bohn	PROPN
fsr-3188	4	241	,	,	PUNCT
fsr-3188	4	242	1986	1986	NUM
fsr-3188	4	243	-	-	SYM
fsr-3188	4	244	87	87	NUM
fsr-3188	4	245	golden	golden	PROPN
fsr-3188	4	246	gate	gate	PROPN
fsr-3188	4	247	university	university	PROPN
fsr-3188	4	248	tom	tom	PROPN
fsr-3188	4	249	warschauer	warschauer	PROPN
fsr-3188	4	250	,	,	PUNCT
fsr-3188	4	251	1985	1985	NUM
fsr-3188	4	252	-	-	SYM
fsr-3188	4	253	86	86	NUM
fsr-3188	4	254	san	san	PROPN
fsr-3188	4	255	diego	diego	PROPN
fsr-3188	4	256	state	state	PROPN
fsr-3188	4	257	university	university	PROPN
fsr-3188	4	258	published	publish	VERB
fsr-3188	4	259	in	in	ADP
fsr-3188	4	260	collaboration	collaboration	NOUN
fsr-3188	4	261	with	with	ADP
fsr-3188	4	262	the	the	DET
fsr-3188	4	263	financial	financial	ADJ
fsr-3188	4	264	planning	planning	PROPN
fsr-3188	4	265	association	association	PROPN
fsr-3188	4	266	financial	financial	PROPN
fsr-3188	4	267	services	service	NOUN
fsr-3188	4	268	review	review	NOUN
fsr-3188	4	269	is	be	AUX
fsr-3188	4	270	the	the	DET
fsr-3188	4	271	journal	journal	NOUN
fsr-3188	4	272	of	of	ADP
fsr-3188	4	273	the	the	DET
fsr-3188	4	274	academy	academy	NOUN
fsr-3188	4	275	of	of	ADP
fsr-3188	4	276	financial	financial	ADJ
fsr-3188	4	277	services	service	NOUN
fsr-3188	4	278	,	,	PUNCT
fsr-3188	4	279	published	publish	VERB
fsr-3188	4	280	in	in	ADP
fsr-3188	4	281	collaboration	collaboration	NOUN
fsr-3188	4	282	with	with	ADP
fsr-3188	4	283	the	the	DET
fsr-3188	4	284	financial	financial	ADJ
fsr-3188	4	285	planning	planning	PROPN
fsr-3188	4	286	association	association	PROPN
fsr-3188	4	287	.	.	PUNCT
fsr-3188	5	1	membership	membership	NOUN
fsr-3188	5	2	dues	due	NOUN
fsr-3188	5	3	of	of	ADP
fsr-3188	5	4	$	$	SYM
fsr-3188	5	5	75	75	NUM
fsr-3188	5	6	to	to	ADP
fsr-3188	5	7	the	the	DET
fsr-3188	5	8	academy	academy	NOUN
fsr-3188	5	9	include	include	VERB
fsr-3188	5	10	a	a	DET
fsr-3188	5	11	one	one	NUM
fsr-3188	5	12	-	-	PUNCT
fsr-3188	5	13	year	year	NOUN
fsr-3188	5	14	subscription	subscription	NOUN
fsr-3188	5	15	to	to	ADP
fsr-3188	5	16	the	the	DET
fsr-3188	5	17	journal	journal	NOUN
fsr-3188	5	18	.	.	PUNCT
fsr-3188	6	1	financial	financial	ADJ
fsr-3188	6	2	planning	planning	PROPN
fsr-3188	6	3	association	association	NOUN
fsr-3188	6	4	members	member	NOUN
fsr-3188	6	5	receive	receive	VERB
fsr-3188	6	6	digital	digital	ADJ
fsr-3188	6	7	access	access	NOUN
fsr-3188	6	8	to	to	ADP
fsr-3188	6	9	the	the	DET
fsr-3188	6	10	current	current	ADJ
fsr-3188	6	11	volume	volume	NOUN
fsr-3188	6	12	/	/	SYM
fsr-3188	6	13	issue	issue	NOUN
fsr-3188	6	14	of	of	ADP
fsr-3188	6	15	the	the	DET
fsr-3188	6	16	journal	journal	NOUN
fsr-3188	6	17	.	.	PUNCT
fsr-3188	7	1	membership	membership	NOUN
fsr-3188	7	2	forms	form	NOUN
fsr-3188	7	3	can	can	AUX
fsr-3188	7	4	be	be	AUX
fsr-3188	7	5	downloaded	download	VERB
fsr-3188	7	6	from	from	ADP
fsr-3188	7	7	the	the	DET
fsr-3188	7	8	journal	journal	NOUN
fsr-3188	7	9	website	website	NOUN
fsr-3188	7	10	at	at	ADP
fsr-3188	7	11	http://www.academyfinancial.org	http://www.academyfinancial.org	PROPN
fsr-3188	7	12	.	.	PUNCT
fsr-3188	8	1	or	or	CCONJ
fsr-3188	8	2	for	for	ADP
fsr-3188	8	3	membership	membership	NOUN
fsr-3188	8	4	,	,	PUNCT
fsr-3188	8	5	subscription	subscription	NOUN
fsr-3188	8	6	,	,	PUNCT
fsr-3188	8	7	and	and	CCONJ
fsr-3188	8	8	address	address	NOUN
fsr-3188	8	9	change	change	NOUN
fsr-3188	8	10	notification	notification	NOUN
fsr-3188	8	11	,	,	PUNCT
fsr-3188	8	12	please	please	INTJ
fsr-3188	8	13	contact	contact	VERB
fsr-3188	8	14	stuart	stuart	PROPN
fsr-3188	8	15	michelson	michelson	PROPN
fsr-3188	8	16	,	,	PUNCT
fsr-3188	8	17	school	school	NOUN
fsr-3188	8	18	of	of	ADP
fsr-3188	8	19	business	business	NOUN
fsr-3188	8	20	,	,	PUNCT
fsr-3188	8	21	stetson	stetson	NOUN
fsr-3188	8	22	university	university	NOUN
fsr-3188	8	23	,	,	PUNCT
fsr-3188	8	24	421	421	NUM
fsr-3188	8	25	n.	n.	PROPN
fsr-3188	8	26	woodland	woodland	NOUN
fsr-3188	8	27	blvd	blvd	PROPN
fsr-3188	8	28	.	.	PUNCT
fsr-3188	8	29	,	,	PUNCT
fsr-3188	8	30	unit	unit	NOUN
fsr-3188	8	31	8398	8398	NUM
fsr-3188	8	32	,	,	PUNCT
fsr-3188	8	33	deland	deland	PROPN
fsr-3188	8	34	,	,	PUNCT
fsr-3188	8	35	fl	fl	PROPN
fsr-3188	8	36	32723	32723	NUM
fsr-3188	8	37	.	.	PUNCT
fsr-3188	9	1	email	email	NOUN
fsr-3188	9	2	:	:	PUNCT
fsr-3188	9	3	smichels@stetson.edu	smichels@stetson.edu	X
fsr-3188	9	4	.	.	PUNCT
fsr-3188	9	5	editorial	editorial	NOUN
fsr-3188	9	6	:	:	PUNCT
fsr-3188	9	7	authors	author	NOUN
fsr-3188	9	8	should	should	AUX
fsr-3188	9	9	submit	submit	VERB
fsr-3188	9	10	their	their	PRON
fsr-3188	9	11	papers	paper	NOUN
fsr-3188	9	12	electronically	electronically	ADV
fsr-3188	9	13	(	(	PUNCT
fsr-3188	9	14	word	word	NOUN
fsr-3188	9	15	format	format	NOUN
fsr-3188	9	16	,	,	PUNCT
fsr-3188	9	17	no	no	DET
fsr-3188	9	18	pdfs	pdfs	NOUN
fsr-3188	9	19	please	please	INTJ
fsr-3188	9	20	)	)	PUNCT
fsr-3188	9	21	as	as	ADP
fsr-3188	9	22	an	an	DET
fsr-3188	9	23	e	e	NOUN
fsr-3188	9	24	-	-	NOUN
fsr-3188	9	25	mail	mail	NOUN
fsr-3188	9	26	attachment	attachment	NOUN
fsr-3188	9	27	to	to	ADP
fsr-3188	9	28	the	the	DET
fsr-3188	9	29	editor	editor	NOUN
fsr-3188	9	30	at	at	ADP
fsr-3188	9	31	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3188	9	32	.	.	PUNCT
fsr-3188	10	1	afs	afs	PROPN
fsr-3188	10	2	member	member	NOUN
fsr-3188	10	3	submission	submission	NOUN
fsr-3188	10	4	fees	fee	NOUN
fsr-3188	10	5	are	be	AUX
fsr-3188	10	6	$	$	SYM
fsr-3188	10	7	50	50	NUM
fsr-3188	10	8	.	.	PUNCT
fsr-3188	11	1	the	the	DET
fsr-3188	11	2	afs	afs	PROPN
fsr-3188	11	3	non	non	ADJ
fsr-3188	11	4	-	-	NOUN
fsr-3188	11	5	member	member	ADJ
fsr-3188	11	6	submission	submission	NOUN
fsr-3188	11	7	fee	fee	NOUN
fsr-3188	11	8	is	be	AUX
fsr-3188	11	9	$	$	SYM
fsr-3188	11	10	125	125	NUM
fsr-3188	11	11	,	,	PUNCT
fsr-3188	11	12	which	which	PRON
fsr-3188	11	13	includes	include	VERB
fsr-3188	11	14	a	a	DET
fsr-3188	11	15	one	one	NUM
fsr-3188	11	16	year	year	NOUN
fsr-3188	11	17	membership	membership	NOUN
fsr-3188	11	18	to	to	ADP
fsr-3188	11	19	afs	afs	PROPN
fsr-3188	11	20	.	.	PUNCT
fsr-3188	12	1	concurrent	concurrent	ADJ
fsr-3188	12	2	with	with	ADP
fsr-3188	12	3	the	the	DET
fsr-3188	12	4	submission	submission	NOUN
fsr-3188	12	5	,	,	PUNCT
fsr-3188	12	6	please	please	INTJ
fsr-3188	12	7	pay	pay	VERB
fsr-3188	12	8	online	online	ADV
fsr-3188	12	9	or	or	CCONJ
fsr-3188	12	10	mail	mail	VERB
fsr-3188	12	11	a	a	DET
fsr-3188	12	12	check	check	NOUN
fsr-3188	12	13	(	(	PUNCT
fsr-3188	12	14	for	for	ADP
fsr-3188	12	15	us	us	PROPN
fsr-3188	12	16	funds	fund	NOUN
fsr-3188	12	17	)	)	PUNCT
fsr-3188	12	18	payable	payable	ADJ
fsr-3188	12	19	to	to	ADP
fsr-3188	12	20	afs	afs	NOUN
fsr-3188	12	21	to	to	ADP
fsr-3188	12	22	stuart	stuart	PROPN
fsr-3188	12	23	michelson	michelson	PROPN
fsr-3188	12	24	at	at	ADP
fsr-3188	12	25	the	the	DET
fsr-3188	12	26	address	address	NOUN
fsr-3188	12	27	above	above	ADV
fsr-3188	12	28	.	.	PUNCT
fsr-3188	13	1	should	should	AUX
fsr-3188	13	2	a	a	DET
fsr-3188	13	3	manuscript	manuscript	NOUN
fsr-3188	13	4	revision	revision	NOUN
fsr-3188	13	5	be	be	AUX
fsr-3188	13	6	invited	invite	VERB
fsr-3188	13	7	,	,	PUNCT
fsr-3188	13	8	no	no	DET
fsr-3188	13	9	additional	additional	ADJ
fsr-3188	13	10	fees	fee	NOUN
fsr-3188	13	11	will	will	AUX
fsr-3188	13	12	be	be	AUX
fsr-3188	13	13	required	require	VERB
fsr-3188	13	14	.	.	PUNCT
fsr-3188	14	1	style	style	NOUN
fsr-3188	14	2	information	information	NOUN
fsr-3188	14	3	for	for	ADP
fsr-3188	14	4	manuscripts	manuscript	NOUN
fsr-3188	14	5	is	be	AUX
fsr-3188	14	6	on	on	ADP
fsr-3188	14	7	the	the	DET
fsr-3188	14	8	inside	inside	ADJ
fsr-3188	14	9	back	back	ADJ
fsr-3188	14	10	cover	cover	NOUN
fsr-3188	14	11	of	of	ADP
fsr-3188	14	12	this	this	DET
fsr-3188	14	13	journal	journal	NOUN
fsr-3188	14	14	.	.	PUNCT
fsr-3188	15	1	copyright	copyright	NOUN
fsr-3188	15	2	©	©	PROPN
fsr-3188	15	3	2014	2014	NUM
fsr-3188	15	4	academy	academy	NOUN
fsr-3188	15	5	of	of	ADP
fsr-3188	15	6	financial	financial	ADJ
fsr-3188	15	7	services	service	NOUN
fsr-3188	15	8	.	.	PUNCT
fsr-3188	16	1	all	all	DET
fsr-3188	16	2	rights	right	NOUN
fsr-3188	16	3	of	of	ADP
fsr-3188	16	4	reproduction	reproduction	NOUN
fsr-3188	16	5	in	in	ADP
fsr-3188	16	6	any	any	DET
fsr-3188	16	7	form	form	NOUN
fsr-3188	16	8	reserved	reserve	VERB
fsr-3188	16	9	.	.	PUNCT
fsr-3188	17	1	financial	financial	ADJ
fsr-3188	17	2	services	service	NOUN
fsr-3188	17	3	review	review	VERB
fsr-3188	17	4	the	the	DET
fsr-3188	17	5	journal	journal	NOUN
fsr-3188	17	6	of	of	ADP
fsr-3188	17	7	individual	individual	ADJ
fsr-3188	17	8	financial	financial	ADJ
fsr-3188	17	9	management	management	NOUN
fsr-3188	17	10	vol	vol	NOUN
fsr-3188	17	11	.	.	PROPN
fsr-3188	18	1	23	23	NUM
fsr-3188	18	2	,	,	PUNCT
fsr-3188	18	3	no	no	INTJ
fsr-3188	18	4	.	.	NOUN
fsr-3188	18	5	2	2	NUM
fsr-3188	18	6	,	,	PUNCT
fsr-3188	18	7	2014	2014	NUM
fsr-3188	18	8	editor	editor	NOUN
fsr-3188	18	9	stuart	stuart	PROPN
fsr-3188	18	10	michelson	michelson	PROPN
fsr-3188	18	11	,	,	PUNCT
fsr-3188	18	12	stetson	stetson	PROPN
fsr-3188	18	13	university	university	PROPN
fsr-3188	18	14	associate	associate	NOUN
fsr-3188	18	15	editors	editor	NOUN
fsr-3188	18	16	benefits	benefit	NOUN
fsr-3188	18	17	and	and	CCONJ
fsr-3188	18	18	retirement	retirement	NOUN
fsr-3188	18	19	planning	planning	NOUN
fsr-3188	18	20	vickie	vickie	PROPN
fsr-3188	18	21	bajtelsmit	bajtelsmit	PROPN
fsr-3188	18	22	colorado	colorado	PROPN
fsr-3188	18	23	state	state	PROPN
fsr-3188	18	24	university	university	PROPN
fsr-3188	18	25	stephen	stephen	PROPN
fsr-3188	18	26	m.	m.	PROPN
fsr-3188	18	27	horan	horan	PROPN
fsr-3188	18	28	cfa	cfa	PROPN
fsr-3188	18	29	institute	institute	PROPN
fsr-3188	18	30	walter	walter	PROPN
fsr-3188	18	31	woerheide	woerheide	VERB
fsr-3188	18	32	the	the	DET
fsr-3188	18	33	american	american	PROPN
fsr-3188	18	34	college	college	PROPN
fsr-3188	18	35	estate	estate	PROPN
fsr-3188	18	36	planning	planning	NOUN
fsr-3188	18	37	ning	ning	PROPN
fsr-3188	18	38	tang	tang	PROPN
fsr-3188	18	39	san	san	PROPN
fsr-3188	18	40	diego	diego	PROPN
fsr-3188	18	41	state	state	PROPN
fsr-3188	18	42	university	university	PROPN
fsr-3188	18	43	investments	investment	NOUN
fsr-3188	18	44	robert	robert	PROPN
fsr-3188	18	45	brooks	brooks	PROPN
fsr-3188	18	46	university	university	PROPN
fsr-3188	18	47	of	of	ADP
fsr-3188	18	48	alabama	alabama	PROPN
fsr-3188	18	49	dale	dale	PROPN
fsr-3188	18	50	domian	domian	PROPN
fsr-3188	18	51	york	york	PROPN
fsr-3188	18	52	university	university	PROPN
fsr-3188	18	53	jim	jim	PROPN
fsr-3188	18	54	gilkeson	gilkeson	PROPN
fsr-3188	18	55	university	university	PROPN
fsr-3188	18	56	of	of	ADP
fsr-3188	18	57	central	central	PROPN
fsr-3188	18	58	florida	florida	PROPN
fsr-3188	18	59	jason	jason	PROPN
fsr-3188	18	60	greene	greene	PROPN
fsr-3188	18	61	georgia	georgia	PROPN
fsr-3188	18	62	state	state	PROPN
fsr-3188	18	63	university	university	PROPN
fsr-3188	18	64	william	william	PROPN
fsr-3188	18	65	jennings	jennings	PROPN
fsr-3188	18	66	united	united	PROPN
fsr-3188	18	67	states	states	PROPN
fsr-3188	18	68	air	air	PROPN
fsr-3188	18	69	force	force	PROPN
fsr-3188	18	70	academy	academy	PROPN
fsr-3188	18	71	larry	larry	PROPN
fsr-3188	18	72	prather	prather	PROPN
fsr-3188	18	73	southeastern	southeastern	PROPN
fsr-3188	18	74	oklahoma	oklahoma	PROPN
fsr-3188	18	75	state	state	PROPN
fsr-3188	18	76	university	university	PROPN
fsr-3188	18	77	insurance	insurance	NOUN
fsr-3188	18	78	larry	larry	PROPN
fsr-3188	18	79	cox	cox	PROPN
fsr-3188	18	80	university	university	PROPN
fsr-3188	18	81	of	of	ADP
fsr-3188	18	82	mississippi	mississippi	PROPN
fsr-3188	18	83	david	david	PROPN
fsr-3188	18	84	lange	lange	PROPN
fsr-3188	18	85	auburn	auburn	PROPN
fsr-3188	18	86	university	university	PROPN
fsr-3188	18	87	financial	financial	ADJ
fsr-3188	18	88	institutions	institution	NOUN
fsr-3188	18	89	stanley	stanley	PROPN
fsr-3188	18	90	d.	d.	PROPN
fsr-3188	18	91	smith	smith	PROPN
fsr-3188	18	92	university	university	PROPN
fsr-3188	18	93	of	of	ADP
fsr-3188	18	94	central	central	PROPN
fsr-3188	18	95	florida	florida	PROPN
fsr-3188	18	96	investor	investor	NOUN
fsr-3188	18	97	psychology	psychology	NOUN
fsr-3188	18	98	and	and	CCONJ
fsr-3188	18	99	counseling	counsel	VERB
fsr-3188	18	100	john	john	PROPN
fsr-3188	18	101	nofsinger	nofsinger	PROPN
fsr-3188	18	102	washington	washington	PROPN
fsr-3188	18	103	state	state	PROPN
fsr-3188	18	104	university	university	PROPN
fsr-3188	18	105	meir	meir	PROPN
fsr-3188	18	106	statman	statman	PROPN
fsr-3188	18	107	santa	santa	PROPN
fsr-3188	18	108	clara	clara	PROPN
fsr-3188	18	109	university	university	PROPN
fsr-3188	18	110	real	real	ADJ
fsr-3188	18	111	estate	estate	NOUN
fsr-3188	18	112	international	international	ADJ
fsr-3188	18	113	bill	bill	PROPN
fsr-3188	18	114	blair	blair	PROPN
fsr-3188	18	115	macquarie	macquarie	PROPN
fsr-3188	18	116	university	university	PROPN
fsr-3188	18	117	s.	s.	PROPN
fsr-3188	18	118	j.	j.	PROPN
fsr-3188	18	119	chang	chang	PROPN
fsr-3188	18	120	illinois	illinois	PROPN
fsr-3188	18	121	state	state	PROPN
fsr-3188	18	122	university	university	PROPN
fsr-3188	18	123	lawrence	lawrence	PROPN
fsr-3188	18	124	rose	rise	VERB
fsr-3188	18	125	massey	massey	PROPN
fsr-3188	18	126	university	university	PROPN
fsr-3188	18	127	sharon	sharon	PROPN
fsr-3188	18	128	taylor	taylor	PROPN
fsr-3188	18	129	university	university	PROPN
fsr-3188	18	130	of	of	ADP
fsr-3188	18	131	western	western	PROPN
fsr-3188	18	132	sydney	sydney	PROPN
fsr-3188	18	133	education	education	PROPN
fsr-3188	19	1	jean	jean	PROPN
fsr-3188	19	2	louis	louis	PROPN
fsr-3188	19	3	heck	heck	PROPN
fsr-3188	19	4	saint	saint	PROPN
fsr-3188	19	5	joseph	joseph	PROPN
fsr-3188	19	6	’s	’s	PART
fsr-3188	19	7	university	university	PROPN
fsr-3188	19	8	financial	financial	ADJ
fsr-3188	19	9	planning	planning	NOUN
fsr-3188	19	10	profession	profession	NOUN
fsr-3188	19	11	tom	tom	PROPN
fsr-3188	19	12	warschauer	warschauer	PROPN
fsr-3188	19	13	san	san	PROPN
fsr-3188	19	14	diego	diego	PROPN
fsr-3188	19	15	state	state	PROPN
fsr-3188	19	16	university	university	PROPN
fsr-3188	19	17	co	co	VERB
fsr-3188	19	18	-	-	VERB
fsr-3188	19	19	published	publish	VERB
fsr-3188	19	20	by	by	ADP
fsr-3188	19	21	the	the	DET
fsr-3188	19	22	academy	academy	NOUN
fsr-3188	19	23	of	of	ADP
fsr-3188	19	24	financial	financial	ADJ
fsr-3188	19	25	services	service	NOUN
fsr-3188	19	26	and	and	CCONJ
fsr-3188	19	27	the	the	DET
fsr-3188	19	28	financial	financial	ADJ
fsr-3188	19	29	planning	planning	NOUN
fsr-3188	19	30	association	association	PROPN
fsr-3188	19	31	the	the	DET
fsr-3188	19	32	editor	editor	NOUN
fsr-3188	19	33	of	of	ADP
fsr-3188	19	34	financial	financial	ADJ
fsr-3188	19	35	services	service	NOUN
fsr-3188	19	36	review	review	VERB
fsr-3188	19	37	wishes	wish	VERB
fsr-3188	19	38	to	to	PART
fsr-3188	19	39	thank	thank	VERB
fsr-3188	19	40	the	the	DET
fsr-3188	19	41	stetson	stetson	NOUN
fsr-3188	19	42	university	university	NOUN
fsr-3188	19	43	,	,	PUNCT
fsr-3188	19	44	school	school	NOUN
fsr-3188	19	45	of	of	ADP
fsr-3188	19	46	business	business	NOUN
fsr-3188	19	47	,	,	PUNCT
fsr-3188	19	48	for	for	ADP
fsr-3188	19	49	its	its	PRON
fsr-3188	19	50	continuing	continue	VERB
fsr-3188	19	51	financial	financial	ADJ
fsr-3188	19	52	and	and	CCONJ
fsr-3188	19	53	intellectual	intellectual	ADJ
fsr-3188	19	54	support	support	NOUN
fsr-3188	19	55	of	of	ADP
fsr-3188	19	56	the	the	DET
fsr-3188	19	57	journal	journal	NOUN
fsr-3188	19	58	.	.	PUNCT
fsr-3188	20	1	aims	aim	NOUN
fsr-3188	20	2	and	and	CCONJ
fsr-3188	20	3	scope	scope	NOUN
fsr-3188	20	4	:	:	PUNCT
fsr-3188	20	5	financial	financial	ADJ
fsr-3188	20	6	services	service	NOUN
fsr-3188	20	7	review	review	NOUN
fsr-3188	20	8	is	be	AUX
fsr-3188	20	9	the	the	DET
fsr-3188	20	10	official	official	ADJ
fsr-3188	20	11	publication	publication	NOUN
fsr-3188	20	12	of	of	ADP
fsr-3188	20	13	the	the	DET
fsr-3188	20	14	academy	academy	NOUN
fsr-3188	20	15	of	of	ADP
fsr-3188	20	16	financial	financial	ADJ
fsr-3188	20	17	services	service	NOUN
fsr-3188	20	18	.	.	PUNCT
fsr-3188	21	1	the	the	DET
fsr-3188	21	2	purpose	purpose	NOUN
fsr-3188	21	3	of	of	ADP
fsr-3188	21	4	this	this	DET
fsr-3188	21	5	refereed	refereed	ADJ
fsr-3188	21	6	academic	academic	ADJ
fsr-3188	21	7	journal	journal	NOUN
fsr-3188	21	8	is	be	AUX
fsr-3188	21	9	to	to	PART
fsr-3188	21	10	encourage	encourage	VERB
fsr-3188	21	11	rigorous	rigorous	ADJ
fsr-3188	21	12	empirical	empirical	ADJ
fsr-3188	21	13	research	research	NOUN
fsr-3188	21	14	that	that	PRON
fsr-3188	21	15	examines	examine	VERB
fsr-3188	21	16	individual	individual	ADJ
fsr-3188	21	17	behavior	behavior	NOUN
fsr-3188	21	18	in	in	ADP
fsr-3188	21	19	terms	term	NOUN
fsr-3188	21	20	of	of	ADP
fsr-3188	21	21	financial	financial	ADJ
fsr-3188	21	22	planning	planning	NOUN
fsr-3188	21	23	and	and	CCONJ
fsr-3188	21	24	services	service	NOUN
fsr-3188	21	25	.	.	PUNCT
fsr-3188	22	1	in	in	ADP
fsr-3188	22	2	contrast	contrast	NOUN
fsr-3188	22	3	to	to	ADP
fsr-3188	22	4	the	the	DET
fsr-3188	22	5	many	many	ADJ
fsr-3188	22	6	corporate	corporate	ADJ
fsr-3188	22	7	or	or	CCONJ
fsr-3188	22	8	institutional	institutional	ADJ
fsr-3188	22	9	journals	journal	NOUN
fsr-3188	22	10	that	that	PRON
fsr-3188	22	11	are	be	AUX
fsr-3188	22	12	available	available	ADJ
fsr-3188	22	13	in	in	ADP
fsr-3188	22	14	finance	finance	NOUN
fsr-3188	22	15	,	,	PUNCT
fsr-3188	22	16	the	the	DET
fsr-3188	22	17	focus	focus	NOUN
fsr-3188	22	18	of	of	ADP
fsr-3188	22	19	this	this	DET
fsr-3188	22	20	journal	journal	NOUN
fsr-3188	22	21	is	be	AUX
fsr-3188	22	22	on	on	ADP
fsr-3188	22	23	individual	individual	ADJ
fsr-3188	22	24	financial	financial	ADJ
fsr-3188	22	25	issues	issue	NOUN
fsr-3188	22	26	.	.	PUNCT
fsr-3188	23	1	the	the	DET
fsr-3188	23	2	journal	journal	NOUN
fsr-3188	23	3	provides	provide	VERB
fsr-3188	23	4	a	a	DET
fsr-3188	23	5	forum	forum	NOUN
fsr-3188	23	6	for	for	ADP
fsr-3188	23	7	those	those	PRON
fsr-3188	23	8	who	who	PRON
fsr-3188	23	9	are	be	AUX
fsr-3188	23	10	interested	interested	ADJ
fsr-3188	23	11	in	in	ADP
fsr-3188	23	12	the	the	DET
fsr-3188	23	13	individual	individual	ADJ
fsr-3188	23	14	perspective	perspective	NOUN
fsr-3188	23	15	on	on	ADP
fsr-3188	23	16	issues	issue	NOUN
fsr-3188	23	17	in	in	ADP
fsr-3188	23	18	the	the	DET
fsr-3188	23	19	areas	area	NOUN
fsr-3188	23	20	of	of	ADP
fsr-3188	23	21	financial	financial	ADJ
fsr-3188	23	22	services	service	NOUN
fsr-3188	23	23	,	,	PUNCT
fsr-3188	23	24	employee	employee	NOUN
fsr-3188	23	25	benefits	benefit	NOUN
fsr-3188	23	26	,	,	PUNCT
fsr-3188	23	27	estate	estate	NOUN
fsr-3188	23	28	and	and	CCONJ
fsr-3188	23	29	tax	tax	NOUN
fsr-3188	23	30	planning	planning	NOUN
fsr-3188	23	31	,	,	PUNCT
fsr-3188	23	32	financial	financial	ADJ
fsr-3188	23	33	counseling	counseling	NOUN
fsr-3188	23	34	,	,	PUNCT
fsr-3188	23	35	financial	financial	ADJ
fsr-3188	23	36	planning	planning	NOUN
fsr-3188	23	37	,	,	PUNCT
fsr-3188	23	38	insurance	insurance	NOUN
fsr-3188	23	39	,	,	PUNCT
fsr-3188	23	40	investments	investment	NOUN
fsr-3188	23	41	,	,	PUNCT
fsr-3188	23	42	mutual	mutual	ADJ
fsr-3188	23	43	funds	fund	NOUN
fsr-3188	23	44	,	,	PUNCT
fsr-3188	23	45	pension	pension	NOUN
fsr-3188	23	46	and	and	CCONJ
fsr-3188	23	47	retirement	retirement	NOUN
fsr-3188	23	48	planning	planning	NOUN
fsr-3188	23	49	,	,	PUNCT
fsr-3188	23	50	and	and	CCONJ
fsr-3188	23	51	real	real	ADJ
fsr-3188	23	52	estate	estate	NOUN
fsr-3188	23	53	.	.	PUNCT
fsr-3188	24	1	publication	publication	NOUN
fsr-3188	24	2	information	information	NOUN
fsr-3188	24	3	.	.	PUNCT
fsr-3188	25	1	financial	financial	ADJ
fsr-3188	25	2	services	service	NOUN
fsr-3188	25	3	review	review	NOUN
fsr-3188	25	4	is	be	AUX
fsr-3188	25	5	co	co	VERB
fsr-3188	25	6	-	-	VERB
fsr-3188	25	7	published	publish	VERB
fsr-3188	25	8	quarterly	quarterly	NOUN
fsr-3188	25	9	by	by	ADP
fsr-3188	25	10	the	the	DET
fsr-3188	25	11	academy	academy	PROPN
fsr-3188	25	12	of	of	ADP
fsr-3188	25	13	financial	financial	ADJ
fsr-3188	25	14	services	service	NOUN
fsr-3188	25	15	,	,	PUNCT
fsr-3188	25	16	and	and	CCONJ
fsr-3188	25	17	the	the	DET
fsr-3188	25	18	financial	financial	ADJ
fsr-3188	25	19	planning	planning	PROPN
fsr-3188	25	20	association	association	PROPN
fsr-3188	25	21	.	.	PUNCT
fsr-3188	26	1	institutional	institutional	ADJ
fsr-3188	26	2	subscription	subscription	NOUN
fsr-3188	26	3	price	price	NOUN
fsr-3188	26	4	for	for	ADP
fsr-3188	26	5	the	the	DET
fsr-3188	26	6	year	year	NOUN
fsr-3188	26	7	2014	2014	NUM
fsr-3188	26	8	is	be	AUX
fsr-3188	26	9	$	$	SYM
fsr-3188	26	10	100	100	NUM
fsr-3188	26	11	.	.	PUNCT
fsr-3188	27	1	personal	personal	ADJ
fsr-3188	27	2	subscription	subscription	NOUN
fsr-3188	27	3	price	price	NOUN
fsr-3188	27	4	for	for	ADP
fsr-3188	27	5	the	the	DET
fsr-3188	27	6	year	year	NOUN
fsr-3188	27	7	2014	2014	NUM
fsr-3188	27	8	is	be	AUX
fsr-3188	27	9	$	$	SYM
fsr-3188	27	10	75	75	NUM
fsr-3188	27	11	and	and	CCONJ
fsr-3188	27	12	is	be	AUX
fsr-3188	27	13	available	available	ADJ
fsr-3188	27	14	by	by	ADP
fsr-3188	27	15	joining	join	VERB
fsr-3188	27	16	the	the	DET
fsr-3188	27	17	academy	academy	NOUN
fsr-3188	27	18	of	of	ADP
fsr-3188	27	19	financial	financial	ADJ
fsr-3188	27	20	services	service	NOUN
fsr-3188	27	21	.	.	PUNCT
fsr-3188	28	1	further	further	ADJ
fsr-3188	28	2	information	information	NOUN
fsr-3188	28	3	on	on	ADP
fsr-3188	28	4	this	this	DET
fsr-3188	28	5	journal	journal	NOUN
fsr-3188	28	6	and	and	CCONJ
fsr-3188	28	7	the	the	DET
fsr-3188	28	8	academy	academy	NOUN
fsr-3188	28	9	of	of	ADP
fsr-3188	28	10	financial	financial	ADJ
fsr-3188	28	11	services	service	NOUN
fsr-3188	28	12	is	be	AUX
fsr-3188	28	13	available	available	ADJ
fsr-3188	28	14	from	from	ADP
fsr-3188	28	15	the	the	DET
fsr-3188	28	16	website	website	NOUN
fsr-3188	28	17	,	,	PUNCT
fsr-3188	28	18	http://www.academyfinancial.org	http://www.academyfinancial.org	PROPN
fsr-3188	28	19	.	.	PUNCT
fsr-3188	29	1	postmaster	postmaster	NOUN
fsr-3188	29	2	and	and	CCONJ
fsr-3188	29	3	subscribers	subscriber	NOUN
fsr-3188	29	4	should	should	AUX
fsr-3188	29	5	send	send	VERB
fsr-3188	29	6	change	change	NOUN
fsr-3188	29	7	of	of	ADP
fsr-3188	29	8	address	address	NOUN
fsr-3188	29	9	notices	notice	NOUN
fsr-3188	29	10	to	to	ADP
fsr-3188	29	11	stuart	stuart	PROPN
fsr-3188	29	12	michelson	michelson	PROPN
fsr-3188	29	13	,	,	PUNCT
fsr-3188	29	14	academy	academy	PROPN
fsr-3188	29	15	of	of	ADP
fsr-3188	29	16	financial	financial	ADJ
fsr-3188	29	17	services	service	NOUN
fsr-3188	29	18	,	,	PUNCT
fsr-3188	29	19	stetson	stetson	NOUN
fsr-3188	29	20	university	university	NOUN
fsr-3188	29	21	,	,	PUNCT
fsr-3188	29	22	school	school	NOUN
fsr-3188	29	23	of	of	ADP
fsr-3188	29	24	business	business	NOUN
fsr-3188	29	25	,	,	PUNCT
fsr-3188	29	26	421	421	NUM
fsr-3188	29	27	n.	n.	PROPN
fsr-3188	29	28	woodland	woodland	NOUN
fsr-3188	29	29	blvd	blvd	PROPN
fsr-3188	29	30	.	.	PUNCT
fsr-3188	29	31	,	,	PUNCT
fsr-3188	29	32	unit	unit	NOUN
fsr-3188	29	33	8398	8398	NUM
fsr-3188	29	34	,	,	PUNCT
fsr-3188	29	35	deland	deland	PROPN
fsr-3188	29	36	,	,	PUNCT
fsr-3188	29	37	fl	fl	PROPN
fsr-3188	29	38	32723	32723	NUM
fsr-3188	29	39	.	.	PUNCT
fsr-3188	30	1	editorial	editorial	ADJ
fsr-3188	30	2	office	office	NOUN
fsr-3188	30	3	:	:	PUNCT
fsr-3188	30	4	stuart	stuart	PROPN
fsr-3188	30	5	michelson	michelson	PROPN
fsr-3188	30	6	,	,	PUNCT
fsr-3188	30	7	school	school	NOUN
fsr-3188	30	8	of	of	ADP
fsr-3188	30	9	business	business	NOUN
fsr-3188	30	10	,	,	PUNCT
fsr-3188	30	11	stetson	stetson	NOUN
fsr-3188	30	12	university	university	NOUN
fsr-3188	30	13	,	,	PUNCT
fsr-3188	30	14	421	421	NUM
fsr-3188	30	15	n.	n.	PROPN
fsr-3188	30	16	woodland	woodland	NOUN
fsr-3188	30	17	blvd	blvd	PROPN
fsr-3188	30	18	.	.	PUNCT
fsr-3188	30	19	,	,	PUNCT
fsr-3188	30	20	unit	unit	NOUN
fsr-3188	30	21	8398	8398	NUM
fsr-3188	30	22	,	,	PUNCT
fsr-3188	30	23	deland	deland	PROPN
fsr-3188	30	24	,	,	PUNCT
fsr-3188	30	25	fl	fl	PROPN
fsr-3188	30	26	32723	32723	NUM
fsr-3188	30	27	.	.	PUNCT
fsr-3188	31	1	phone	phone	NOUN
fsr-3188	31	2	:	:	PUNCT
fsr-3188	31	3	(	(	PUNCT
fsr-3188	31	4	386	386	NUM
fsr-3188	31	5	)	)	PUNCT
fsr-3188	31	6	822	822	NUM
fsr-3188	31	7	-	-	SYM
fsr-3188	31	8	7376	7376	NUM
fsr-3188	31	9	.	.	PUNCT
fsr-3188	32	1	email	email	NOUN
fsr-3188	32	2	address	address	NOUN
fsr-3188	32	3	:	:	PUNCT
fsr-3188	32	4	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3188	32	5	.	.	PROPN
fsr-3188	32	6	web	web	NOUN
fsr-3188	32	7	address	address	NOUN
fsr-3188	32	8	:	:	PUNCT
fsr-3188	32	9	www.academyfinancial.org	www.academyfinancial.org	X
fsr-3188	32	10	.	.	PUNCT
fsr-3188	32	11	advertising	advertising	NOUN
fsr-3188	32	12	information	information	NOUN
fsr-3188	32	13	.	.	PUNCT
fsr-3188	33	1	those	those	PRON
fsr-3188	33	2	interested	interested	ADJ
fsr-3188	33	3	in	in	ADP
fsr-3188	33	4	advertising	advertising	NOUN
fsr-3188	33	5	in	in	ADP
fsr-3188	33	6	the	the	DET
fsr-3188	33	7	journal	journal	NOUN
fsr-3188	33	8	should	should	AUX
fsr-3188	33	9	contact	contact	VERB
fsr-3188	33	10	stuart	stuart	PROPN
fsr-3188	33	11	michelson	michelson	PROPN
fsr-3188	33	12	,	,	PUNCT
fsr-3188	33	13	school	school	NOUN
fsr-3188	33	14	of	of	ADP
fsr-3188	33	15	business	business	NOUN
fsr-3188	33	16	,	,	PUNCT
fsr-3188	33	17	stetson	stetson	NOUN
fsr-3188	33	18	university	university	NOUN
fsr-3188	33	19	,	,	PUNCT
fsr-3188	33	20	421	421	NUM
fsr-3188	33	21	n.	n.	PROPN
fsr-3188	33	22	woodland	woodland	NOUN
fsr-3188	33	23	blvd	blvd	PROPN
fsr-3188	33	24	.	.	PUNCT
fsr-3188	33	25	,	,	PUNCT
fsr-3188	33	26	unit	unit	NOUN
fsr-3188	33	27	8398	8398	NUM
fsr-3188	33	28	,	,	PUNCT
fsr-3188	33	29	deland	deland	PROPN
fsr-3188	33	30	,	,	PUNCT
fsr-3188	33	31	fl	fl	PROPN
fsr-3188	33	32	32723	32723	NUM
fsr-3188	33	33	.	.	PUNCT
fsr-3188	34	1	email	email	NOUN
fsr-3188	34	2	address	address	NOUN
fsr-3188	34	3	:	:	PUNCT
fsr-3188	34	4	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3188	34	5	,	,	PUNCT
fsr-3188	34	6	(	(	PUNCT
fsr-3188	34	7	386	386	NUM
fsr-3188	34	8	)	)	PUNCT
fsr-3188	34	9	822	822	NUM
fsr-3188	34	10	-	-	SYM
fsr-3188	34	11	7376	7376	NUM
fsr-3188	34	12	.	.	PUNCT
fsr-3188	35	1	printed	print	VERB
fsr-3188	35	2	in	in	ADP
fsr-3188	35	3	the	the	DET
fsr-3188	35	4	usa	usa	PROPN
fsr-3188	35	5	©	©	PROPN
fsr-3188	35	6	2014	2014	NUM
fsr-3188	35	7	academy	academy	NOUN
fsr-3188	35	8	of	of	ADP
fsr-3188	35	9	financial	financial	ADJ
fsr-3188	35	10	services	service	NOUN
fsr-3188	35	11	.	.	PUNCT
fsr-3188	36	1	all	all	DET
fsr-3188	36	2	rights	right	NOUN
fsr-3188	36	3	reserved	reserve	VERB
fsr-3188	36	4	.	.	PUNCT
fsr-3188	37	1	this	this	DET
fsr-3188	37	2	journal	journal	NOUN
fsr-3188	37	3	and	and	CCONJ
fsr-3188	37	4	the	the	DET
fsr-3188	37	5	individual	individual	ADJ
fsr-3188	37	6	contributions	contribution	NOUN
fsr-3188	37	7	contained	contain	VERB
fsr-3188	37	8	in	in	ADP
fsr-3188	37	9	it	it	PRON
fsr-3188	37	10	are	be	AUX
fsr-3188	37	11	protected	protect	VERB
fsr-3188	37	12	under	under	ADP
fsr-3188	37	13	copyright	copyright	NOUN
fsr-3188	37	14	by	by	ADP
fsr-3188	37	15	the	the	DET
fsr-3188	37	16	academy	academy	PROPN
fsr-3188	37	17	of	of	ADP
fsr-3188	37	18	financial	financial	ADJ
fsr-3188	37	19	services	service	NOUN
fsr-3188	37	20	,	,	PUNCT
fsr-3188	37	21	and	and	CCONJ
fsr-3188	37	22	the	the	DET
fsr-3188	37	23	following	follow	VERB
fsr-3188	37	24	terms	term	NOUN
fsr-3188	37	25	and	and	CCONJ
fsr-3188	37	26	conditions	condition	NOUN
fsr-3188	37	27	apply	apply	VERB
fsr-3188	37	28	to	to	ADP
fsr-3188	37	29	their	their	PRON
fsr-3188	37	30	use	use	NOUN
fsr-3188	37	31	:	:	PUNCT
fsr-3188	37	32	photocopying	photocopy	VERB
fsr-3188	37	33	single	single	ADJ
fsr-3188	37	34	photocopies	photocopy	NOUN
fsr-3188	37	35	of	of	ADP
fsr-3188	37	36	single	single	ADJ
fsr-3188	37	37	articles	article	NOUN
fsr-3188	37	38	may	may	AUX
fsr-3188	37	39	be	be	AUX
fsr-3188	37	40	made	make	VERB
fsr-3188	37	41	for	for	ADP
fsr-3188	37	42	personal	personal	ADJ
fsr-3188	37	43	use	use	NOUN
fsr-3188	37	44	as	as	SCONJ
fsr-3188	37	45	allowed	allow	VERB
fsr-3188	37	46	by	by	ADP
fsr-3188	37	47	national	national	ADJ
fsr-3188	37	48	copyright	copyright	NOUN
fsr-3188	37	49	laws	law	NOUN
fsr-3188	37	50	.	.	PUNCT
fsr-3188	38	1	in	in	ADP
fsr-3188	38	2	addition	addition	NOUN
fsr-3188	38	3	,	,	PUNCT
fsr-3188	38	4	the	the	DET
fsr-3188	38	5	academy	academy	NOUN
fsr-3188	38	6	of	of	ADP
fsr-3188	38	7	financial	financial	ADJ
fsr-3188	38	8	services	service	NOUN
fsr-3188	38	9	hereby	hereby	ADV
fsr-3188	38	10	permits	permit	VERB
fsr-3188	38	11	educators	educator	NOUN
fsr-3188	38	12	and	and	CCONJ
fsr-3188	38	13	educational	educational	ADJ
fsr-3188	38	14	institutions	institution	NOUN
fsr-3188	38	15	the	the	DET
fsr-3188	38	16	right	right	NOUN
fsr-3188	38	17	to	to	PART
fsr-3188	38	18	make	make	VERB
fsr-3188	38	19	photocopies	photocopy	NOUN
fsr-3188	38	20	for	for	ADP
fsr-3188	38	21	non	non	ADJ
fsr-3188	38	22	-	-	ADJ
fsr-3188	38	23	profit	profit	ADJ
fsr-3188	38	24	educational	educational	ADJ
fsr-3188	38	25	classroom	classroom	NOUN
fsr-3188	38	26	use	use	NOUN
fsr-3188	38	27	.	.	PUNCT
fsr-3188	39	1	permission	permission	NOUN
fsr-3188	39	2	of	of	ADP
fsr-3188	39	3	the	the	DET
fsr-3188	39	4	academy	academy	NOUN
fsr-3188	39	5	is	be	AUX
fsr-3188	39	6	required	require	VERB
fsr-3188	39	7	for	for	ADP
fsr-3188	39	8	all	all	DET
fsr-3188	39	9	other	other	ADJ
fsr-3188	39	10	photocopying	photocopying	NOUN
fsr-3188	39	11	,	,	PUNCT
fsr-3188	39	12	including	include	VERB
fsr-3188	39	13	multiple	multiple	ADJ
fsr-3188	39	14	or	or	CCONJ
fsr-3188	39	15	systematic	systematic	ADJ
fsr-3188	39	16	copying	copying	NOUN
fsr-3188	39	17	,	,	PUNCT
fsr-3188	39	18	copying	copy	VERB
fsr-3188	39	19	for	for	ADP
fsr-3188	39	20	advertising	advertising	NOUN
fsr-3188	39	21	or	or	CCONJ
fsr-3188	39	22	promotional	promotional	ADJ
fsr-3188	39	23	purposes	purpose	NOUN
fsr-3188	39	24	,	,	PUNCT
fsr-3188	39	25	resale	resale	NOUN
fsr-3188	39	26	,	,	PUNCT
fsr-3188	39	27	and	and	CCONJ
fsr-3188	39	28	all	all	DET
fsr-3188	39	29	forms	form	NOUN
fsr-3188	39	30	of	of	ADP
fsr-3188	39	31	document	document	NOUN
fsr-3188	39	32	delivery	delivery	NOUN
fsr-3188	39	33	.	.	PUNCT
fsr-3188	40	1	permissions	permission	NOUN
fsr-3188	40	2	may	may	AUX
fsr-3188	40	3	be	be	AUX
fsr-3188	40	4	sought	seek	VERB
fsr-3188	40	5	directly	directly	ADV
fsr-3188	40	6	from	from	ADP
fsr-3188	40	7	the	the	DET
fsr-3188	40	8	editor	editor	NOUN
fsr-3188	40	9	,	,	PUNCT
fsr-3188	40	10	stuart	stuart	PROPN
fsr-3188	40	11	michelson	michelson	PROPN
fsr-3188	40	12	.	.	PUNCT
fsr-3188	41	1	contact	contact	PROPN
fsr-3188	41	2	information	information	NOUN
fsr-3188	41	3	:	:	PUNCT
fsr-3188	41	4	stuart	stuart	PROPN
fsr-3188	41	5	michelson	michelson	PROPN
fsr-3188	41	6	,	,	PUNCT
fsr-3188	41	7	school	school	NOUN
fsr-3188	41	8	of	of	ADP
fsr-3188	41	9	business	business	NOUN
fsr-3188	41	10	,	,	PUNCT
fsr-3188	41	11	stetson	stetson	NOUN
fsr-3188	41	12	university	university	NOUN
fsr-3188	41	13	,	,	PUNCT
fsr-3188	41	14	421	421	NUM
fsr-3188	41	15	n.	n.	PROPN
fsr-3188	41	16	woodland	woodland	NOUN
fsr-3188	41	17	blvd	blvd	PROPN
fsr-3188	41	18	.	.	PUNCT
fsr-3188	41	19	,	,	PUNCT
fsr-3188	41	20	unit	unit	NOUN
fsr-3188	41	21	8398	8398	NUM
fsr-3188	41	22	,	,	PUNCT
fsr-3188	41	23	deland	deland	PROPN
fsr-3188	41	24	,	,	PUNCT
fsr-3188	41	25	fl	fl	PROPN
fsr-3188	41	26	32723	32723	NUM
fsr-3188	41	27	.	.	PUNCT
fsr-3188	42	1	phone	phone	NOUN
fsr-3188	42	2	:	:	PUNCT
fsr-3188	42	3	(	(	PUNCT
fsr-3188	42	4	386	386	NUM
fsr-3188	42	5	)	)	PUNCT
fsr-3188	42	6	822	822	NUM
fsr-3188	42	7	-	-	SYM
fsr-3188	42	8	7376	7376	NUM
fsr-3188	42	9	.	.	PUNCT
fsr-3188	43	1	email	email	NOUN
fsr-3188	43	2	:	:	PUNCT
fsr-3188	44	1	smichels@stetson.edu	smichels@stetson.edu	X
fsr-3188	44	2	.	.	PUNCT
fsr-3188	45	1	derivative	derivative	ADJ
fsr-3188	45	2	works	work	NOUN
fsr-3188	45	3	subscribers	subscriber	NOUN
fsr-3188	45	4	may	may	AUX
fsr-3188	45	5	reproduce	reproduce	VERB
fsr-3188	45	6	tables	table	NOUN
fsr-3188	45	7	of	of	ADP
fsr-3188	45	8	contents	content	NOUN
fsr-3188	45	9	or	or	CCONJ
fsr-3188	45	10	prepare	prepare	VERB
fsr-3188	45	11	lists	list	NOUN
fsr-3188	45	12	of	of	ADP
fsr-3188	45	13	articles	article	NOUN
fsr-3188	45	14	including	include	VERB
fsr-3188	45	15	abstracts	abstract	NOUN
fsr-3188	45	16	for	for	ADP
fsr-3188	45	17	internal	internal	ADJ
fsr-3188	45	18	circulation	circulation	NOUN
fsr-3188	45	19	within	within	ADP
fsr-3188	45	20	their	their	PRON
fsr-3188	45	21	institutions	institution	NOUN
fsr-3188	45	22	.	.	PUNCT
fsr-3188	46	1	permission	permission	NOUN
fsr-3188	46	2	of	of	ADP
fsr-3188	46	3	the	the	DET
fsr-3188	46	4	academy	academy	NOUN
fsr-3188	46	5	is	be	AUX
fsr-3188	46	6	required	require	VERB
fsr-3188	46	7	for	for	ADP
fsr-3188	46	8	resale	resale	NOUN
fsr-3188	46	9	or	or	CCONJ
fsr-3188	46	10	distribution	distribution	NOUN
fsr-3188	46	11	outside	outside	ADP
fsr-3188	46	12	the	the	DET
fsr-3188	46	13	institution	institution	NOUN
fsr-3188	46	14	.	.	PUNCT
fsr-3188	47	1	permission	permission	NOUN
fsr-3188	47	2	of	of	ADP
fsr-3188	47	3	the	the	DET
fsr-3188	47	4	academy	academy	NOUN
fsr-3188	47	5	is	be	AUX
fsr-3188	47	6	required	require	VERB
fsr-3188	47	7	for	for	ADP
fsr-3188	47	8	all	all	DET
fsr-3188	47	9	other	other	ADJ
fsr-3188	47	10	derivative	derivative	ADJ
fsr-3188	47	11	works	work	NOUN
fsr-3188	47	12	,	,	PUNCT
fsr-3188	47	13	including	include	VERB
fsr-3188	47	14	compilations	compilation	NOUN
fsr-3188	47	15	and	and	CCONJ
fsr-3188	47	16	translations	translation	NOUN
fsr-3188	47	17	.	.	PUNCT
fsr-3188	48	1	electronic	electronic	ADJ
fsr-3188	48	2	storage	storage	NOUN
fsr-3188	48	3	or	or	CCONJ
fsr-3188	48	4	usage	usage	NOUN
fsr-3188	48	5	permission	permission	NOUN
fsr-3188	48	6	of	of	ADP
fsr-3188	48	7	the	the	DET
fsr-3188	48	8	academy	academy	NOUN
fsr-3188	48	9	is	be	AUX
fsr-3188	48	10	required	require	VERB
fsr-3188	48	11	to	to	PART
fsr-3188	48	12	store	store	VERB
fsr-3188	48	13	or	or	CCONJ
fsr-3188	48	14	use	use	VERB
fsr-3188	48	15	electronically	electronically	ADV
fsr-3188	48	16	any	any	DET
fsr-3188	48	17	material	material	NOUN
fsr-3188	48	18	contained	contain	VERB
fsr-3188	48	19	in	in	ADP
fsr-3188	48	20	this	this	DET
fsr-3188	48	21	journal	journal	NOUN
fsr-3188	48	22	,	,	PUNCT
fsr-3188	48	23	including	include	VERB
fsr-3188	48	24	any	any	DET
fsr-3188	48	25	article	article	NOUN
fsr-3188	48	26	or	or	CCONJ
fsr-3188	48	27	part	part	NOUN
fsr-3188	48	28	of	of	ADP
fsr-3188	48	29	an	an	DET
fsr-3188	48	30	article	article	NOUN
fsr-3188	48	31	.	.	PUNCT
fsr-3188	49	1	except	except	SCONJ
fsr-3188	49	2	as	as	SCONJ
fsr-3188	49	3	outlined	outline	VERB
fsr-3188	49	4	above	above	ADV
fsr-3188	49	5	,	,	PUNCT
fsr-3188	49	6	no	no	DET
fsr-3188	49	7	part	part	NOUN
fsr-3188	49	8	of	of	ADP
fsr-3188	49	9	this	this	DET
fsr-3188	49	10	publication	publication	NOUN
fsr-3188	49	11	may	may	AUX
fsr-3188	49	12	be	be	AUX
fsr-3188	49	13	reproduced	reproduce	VERB
fsr-3188	49	14	,	,	PUNCT
fsr-3188	49	15	stored	store	VERB
fsr-3188	49	16	in	in	ADP
fsr-3188	49	17	a	a	DET
fsr-3188	49	18	retrieval	retrieval	NOUN
fsr-3188	49	19	system	system	NOUN
fsr-3188	49	20	or	or	CCONJ
fsr-3188	49	21	transmitted	transmit	VERB
fsr-3188	49	22	in	in	ADP
fsr-3188	49	23	any	any	DET
fsr-3188	49	24	form	form	NOUN
fsr-3188	49	25	or	or	CCONJ
fsr-3188	49	26	by	by	ADP
fsr-3188	49	27	any	any	DET
fsr-3188	49	28	means	mean	NOUN
fsr-3188	49	29	,	,	PUNCT
fsr-3188	49	30	electronic	electronic	ADJ
fsr-3188	49	31	,	,	PUNCT
fsr-3188	49	32	mechanical	mechanical	ADJ
fsr-3188	49	33	,	,	PUNCT
fsr-3188	49	34	photocopying	photocopying	NOUN
fsr-3188	49	35	,	,	PUNCT
fsr-3188	49	36	recording	recording	NOUN
fsr-3188	49	37	,	,	PUNCT
fsr-3188	49	38	or	or	CCONJ
fsr-3188	49	39	otherwise	otherwise	ADV
fsr-3188	49	40	,	,	PUNCT
fsr-3188	49	41	without	without	ADP
fsr-3188	49	42	prior	prior	ADJ
fsr-3188	49	43	written	write	VERB
fsr-3188	49	44	permission	permission	NOUN
fsr-3188	49	45	of	of	ADP
fsr-3188	49	46	the	the	DET
fsr-3188	49	47	academy	academy	PROPN
fsr-3188	49	48	.	.	PUNCT
fsr-3188	50	1	address	address	PROPN
fsr-3188	50	2	permissions	permission	NOUN
fsr-3188	50	3	requests	request	NOUN
fsr-3188	50	4	to	to	ADP
fsr-3188	50	5	the	the	DET
fsr-3188	50	6	editor	editor	NOUN
fsr-3188	50	7	at	at	ADP
fsr-3188	50	8	the	the	DET
fsr-3188	50	9	address	address	NOUN
fsr-3188	50	10	noted	note	VERB
fsr-3188	50	11	above	above	ADV
fsr-3188	50	12	.	.	PUNCT
fsr-3188	51	1	notice	notice	VERB
fsr-3188	51	2	no	no	DET
fsr-3188	51	3	responsibility	responsibility	NOUN
fsr-3188	51	4	is	be	AUX
fsr-3188	51	5	assumed	assume	VERB
fsr-3188	51	6	by	by	ADP
fsr-3188	51	7	the	the	DET
fsr-3188	51	8	academy	academy	NOUN
fsr-3188	51	9	for	for	ADP
fsr-3188	51	10	any	any	DET
fsr-3188	51	11	injury	injury	NOUN
fsr-3188	51	12	and/or	and/or	CCONJ
fsr-3188	51	13	damage	damage	NOUN
fsr-3188	51	14	to	to	ADP
fsr-3188	51	15	persons	person	NOUN
fsr-3188	51	16	or	or	CCONJ
fsr-3188	51	17	property	property	NOUN
fsr-3188	51	18	as	as	ADP
fsr-3188	51	19	a	a	DET
fsr-3188	51	20	matter	matter	NOUN
fsr-3188	51	21	of	of	ADP
fsr-3188	51	22	products	product	NOUN
fsr-3188	51	23	liability	liability	NOUN
fsr-3188	51	24	,	,	PUNCT
fsr-3188	51	25	negligence	negligence	NOUN
fsr-3188	51	26	,	,	PUNCT
fsr-3188	51	27	or	or	CCONJ
fsr-3188	51	28	otherwise	otherwise	ADV
fsr-3188	51	29	,	,	PUNCT
fsr-3188	51	30	or	or	CCONJ
fsr-3188	51	31	from	from	ADP
fsr-3188	51	32	any	any	DET
fsr-3188	51	33	use	use	NOUN
fsr-3188	51	34	or	or	CCONJ
fsr-3188	51	35	operation	operation	NOUN
fsr-3188	51	36	of	of	ADP
fsr-3188	51	37	any	any	DET
fsr-3188	51	38	methods	method	NOUN
fsr-3188	51	39	,	,	PUNCT
fsr-3188	51	40	products	product	NOUN
fsr-3188	51	41	,	,	PUNCT
fsr-3188	51	42	instructions	instruction	NOUN
fsr-3188	51	43	,	,	PUNCT
fsr-3188	51	44	or	or	CCONJ
fsr-3188	51	45	ideas	idea	NOUN
fsr-3188	51	46	contained	contain	VERB
fsr-3188	51	47	in	in	ADP
fsr-3188	51	48	the	the	DET
fsr-3188	51	49	material	material	NOUN
fsr-3188	51	50	herein	herein	NOUN
fsr-3188	51	51	.	.	PUNCT
fsr-3188	52	1	the	the	DET
fsr-3188	52	2	editors	editor	NOUN
fsr-3188	52	3	,	,	PUNCT
fsr-3188	52	4	the	the	DET
fsr-3188	52	5	academy	academy	NOUN
fsr-3188	52	6	,	,	PUNCT
fsr-3188	52	7	and	and	CCONJ
fsr-3188	52	8	our	our	PRON
fsr-3188	52	9	sponsors	sponsor	NOUN
fsr-3188	52	10	assume	assume	VERB
fsr-3188	52	11	no	no	DET
fsr-3188	52	12	responsibility	responsibility	NOUN
fsr-3188	52	13	for	for	ADP
fsr-3188	52	14	the	the	DET
fsr-3188	52	15	views	view	NOUN
fsr-3188	52	16	expressed	express	VERB
fsr-3188	52	17	by	by	ADP
fsr-3188	52	18	our	our	PRON
fsr-3188	52	19	authors	author	NOUN
fsr-3188	52	20	.	.	PUNCT
fsr-3188	53	1	from	from	ADP
fsr-3188	53	2	the	the	DET
fsr-3188	53	3	editor	editor	NOUN
fsr-3188	53	4	this	this	DET
fsr-3188	53	5	issue	issue	NOUN
fsr-3188	53	6	contains	contain	VERB
fsr-3188	53	7	issue	issue	NOUN
fsr-3188	53	8	2	2	NUM
fsr-3188	53	9	of	of	ADP
fsr-3188	53	10	volume	volume	NOUN
fsr-3188	53	11	23	23	NUM
fsr-3188	53	12	of	of	ADP
fsr-3188	53	13	financial	financial	ADJ
fsr-3188	53	14	services	service	NOUN
fsr-3188	53	15	review	review	NOUN
fsr-3188	53	16	(	(	PUNCT
fsr-3188	53	17	fsr	fsr	PROPN
fsr-3188	53	18	)	)	PUNCT
fsr-3188	53	19	.	.	PUNCT
fsr-3188	54	1	i	i	PRON
fsr-3188	54	2	would	would	AUX
fsr-3188	54	3	like	like	VERB
fsr-3188	54	4	to	to	PART
fsr-3188	54	5	thank	thank	VERB
fsr-3188	54	6	the	the	DET
fsr-3188	54	7	board	board	NOUN
fsr-3188	54	8	and	and	CCONJ
fsr-3188	54	9	members	member	NOUN
fsr-3188	54	10	of	of	ADP
fsr-3188	54	11	the	the	DET
fsr-3188	54	12	academy	academy	NOUN
fsr-3188	54	13	of	of	ADP
fsr-3188	54	14	financial	financial	ADJ
fsr-3188	54	15	services	service	NOUN
fsr-3188	54	16	for	for	ADP
fsr-3188	54	17	their	their	PRON
fsr-3188	54	18	continued	continue	VERB
fsr-3188	54	19	support	support	NOUN
fsr-3188	54	20	.	.	PUNCT
fsr-3188	55	1	i	i	PRON
fsr-3188	55	2	continue	continue	VERB
fsr-3188	55	3	to	to	PART
fsr-3188	55	4	work	work	VERB
fsr-3188	55	5	in	in	ADP
fsr-3188	55	6	broadening	broaden	VERB
fsr-3188	55	7	the	the	DET
fsr-3188	55	8	scope	scope	NOUN
fsr-3188	55	9	of	of	ADP
fsr-3188	55	10	articles	article	NOUN
fsr-3188	55	11	,	,	PUNCT
fsr-3188	55	12	while	while	SCONJ
fsr-3188	55	13	still	still	ADV
fsr-3188	55	14	focusing	focus	VERB
fsr-3188	55	15	on	on	ADP
fsr-3188	55	16	individual	individual	ADJ
fsr-3188	55	17	financial	financial	ADJ
fsr-3188	55	18	management	management	NOUN
fsr-3188	55	19	and	and	CCONJ
fsr-3188	55	20	personal	personal	ADJ
fsr-3188	55	21	financial	financial	ADJ
fsr-3188	55	22	planning	planning	NOUN
fsr-3188	55	23	.	.	PUNCT
fsr-3188	56	1	i	i	PRON
fsr-3188	56	2	encourage	encourage	VERB
fsr-3188	56	3	authors	author	NOUN
fsr-3188	56	4	to	to	PART
fsr-3188	56	5	reach	reach	VERB
fsr-3188	56	6	out	out	ADP
fsr-3188	56	7	when	when	SCONJ
fsr-3188	56	8	discussing	discuss	VERB
fsr-3188	56	9	implications	implication	NOUN
fsr-3188	56	10	of	of	ADP
fsr-3188	56	11	their	their	PRON
fsr-3188	56	12	findings	finding	NOUN
fsr-3188	56	13	in	in	ADP
fsr-3188	56	14	a	a	DET
fsr-3188	56	15	more	more	ADV
fsr-3188	56	16	comprehensive	comprehensive	ADJ
fsr-3188	56	17	way	way	NOUN
fsr-3188	56	18	.	.	PUNCT
fsr-3188	57	1	as	as	SCONJ
fsr-3188	57	2	such	such	ADJ
fsr-3188	57	3	,	,	PUNCT
fsr-3188	57	4	all	all	DET
fsr-3188	57	5	articles	article	NOUN
fsr-3188	57	6	in	in	ADP
fsr-3188	57	7	the	the	DET
fsr-3188	57	8	journal	journal	NOUN
fsr-3188	57	9	more	more	ADV
fsr-3188	57	10	appropriately	appropriately	ADV
fsr-3188	57	11	relate	relate	VERB
fsr-3188	57	12	to	to	ADP
fsr-3188	57	13	financial	financial	ADJ
fsr-3188	57	14	planning	planning	NOUN
fsr-3188	57	15	issues	issue	NOUN
fsr-3188	57	16	.	.	PUNCT
fsr-3188	58	1	the	the	DET
fsr-3188	58	2	lead	lead	ADJ
fsr-3188	58	3	article	article	NOUN
fsr-3188	58	4	“	"	PUNCT
fsr-3188	58	5	performance	performance	NOUN
fsr-3188	58	6	of	of	ADP
fsr-3188	58	7	alternative	alternative	ADJ
fsr-3188	58	8	mutual	mutual	ADJ
fsr-3188	58	9	funds	fund	NOUN
fsr-3188	58	10	:	:	PUNCT
fsr-3188	58	11	the	the	DET
fsr-3188	58	12	average	average	ADJ
fsr-3188	58	13	investors	investor	NOUN
fsr-3188	58	14	hedge	hedge	PROPN
fsr-3188	58	15	fund	fund	PROPN
fsr-3188	58	16	,	,	PUNCT
fsr-3188	58	17	”	"	PUNCT
fsr-3188	58	18	is	be	AUX
fsr-3188	58	19	coauthored	coauthore	VERB
fsr-3188	58	20	by	by	ADP
fsr-3188	58	21	srinidhi	srinidhi	PROPN
fsr-3188	58	22	kanuri	kanuri	PROPN
fsr-3188	58	23	and	and	CCONJ
fsr-3188	58	24	robert	robert	PROPN
fsr-3188	58	25	w.	w.	PROPN
fsr-3188	58	26	mcleod	mcleod	PROPN
fsr-3188	58	27	both	both	PRON
fsr-3188	58	28	at	at	ADP
fsr-3188	58	29	the	the	DET
fsr-3188	58	30	university	university	PROPN
fsr-3188	58	31	of	of	ADP
fsr-3188	58	32	alabama	alabama	PROPN
fsr-3188	58	33	.	.	PUNCT
fsr-3188	59	1	alternative	alternative	ADJ
fsr-3188	59	2	mutual	mutual	ADJ
fsr-3188	59	3	funds	fund	NOUN
fsr-3188	59	4	(	(	PUNCT
fsr-3188	59	5	amfs	amfs	PROPN
fsr-3188	59	6	)	)	PUNCT
fsr-3188	59	7	provide	provide	VERB
fsr-3188	59	8	the	the	DET
fsr-3188	59	9	individual	individual	ADJ
fsr-3188	59	10	investor	investor	NOUN
fsr-3188	59	11	with	with	ADP
fsr-3188	59	12	an	an	DET
fsr-3188	59	13	opportunity	opportunity	NOUN
fsr-3188	59	14	to	to	PART
fsr-3188	59	15	invest	invest	VERB
fsr-3188	59	16	in	in	ADP
fsr-3188	59	17	funds	fund	NOUN
fsr-3188	59	18	that	that	PRON
fsr-3188	59	19	follow	follow	VERB
fsr-3188	59	20	strategies	strategy	NOUN
fsr-3188	59	21	similar	similar	ADJ
fsr-3188	59	22	to	to	ADP
fsr-3188	59	23	those	those	PRON
fsr-3188	59	24	of	of	ADP
fsr-3188	59	25	hedge	hedge	NOUN
fsr-3188	59	26	funds	fund	NOUN
fsr-3188	59	27	and	and	CCONJ
fsr-3188	59	28	seek	seek	VERB
fsr-3188	59	29	returns	return	NOUN
fsr-3188	59	30	uncorrelated	uncorrelate	VERB
fsr-3188	59	31	with	with	ADP
fsr-3188	59	32	the	the	DET
fsr-3188	59	33	market	market	NOUN
fsr-3188	59	34	.	.	PUNCT
fsr-3188	60	1	in	in	ADP
fsr-3188	60	2	this	this	DET
fsr-3188	60	3	article	article	NOUN
fsr-3188	60	4	the	the	DET
fsr-3188	60	5	authors	author	NOUN
fsr-3188	60	6	analyze	analyze	VERB
fsr-3188	60	7	the	the	DET
fsr-3188	60	8	performance	performance	NOUN
fsr-3188	60	9	of	of	ADP
fsr-3188	60	10	amfs	amfs	NOUN
fsr-3188	60	11	for	for	ADP
fsr-3188	60	12	a	a	DET
fsr-3188	60	13	14	14	NUM
fsr-3188	60	14	-	-	PUNCT
fsr-3188	60	15	year	year	NOUN
fsr-3188	60	16	period	period	NOUN
fsr-3188	60	17	using	use	VERB
fsr-3188	60	18	the	the	DET
fsr-3188	60	19	carhart	carhart	NOUN
fsr-3188	60	20	four	four	NUM
fsr-3188	60	21	-	-	PUNCT
fsr-3188	60	22	factor	factor	NOUN
fsr-3188	60	23	model	model	NOUN
fsr-3188	60	24	and	and	CCONJ
fsr-3188	60	25	the	the	DET
fsr-3188	60	26	fung	fung	PROPN
fsr-3188	60	27	-	-	PUNCT
fsr-3188	60	28	hsieh	hsieh	PROPN
fsr-3188	60	29	seven	seven	NUM
fsr-3188	60	30	-	-	PUNCT
fsr-3188	60	31	factor	factor	NOUN
fsr-3188	60	32	model	model	NOUN
fsr-3188	60	33	.	.	PUNCT
fsr-3188	61	1	their	their	PRON
fsr-3188	61	2	results	result	NOUN
fsr-3188	61	3	show	show	VERB
fsr-3188	61	4	that	that	SCONJ
fsr-3188	61	5	most	most	ADJ
fsr-3188	61	6	amfs	amfs	NOUN
fsr-3188	61	7	were	be	AUX
fsr-3188	61	8	not	not	PART
fsr-3188	61	9	able	able	ADJ
fsr-3188	61	10	to	to	PART
fsr-3188	61	11	create	create	VERB
fsr-3188	61	12	any	any	DET
fsr-3188	61	13	value	value	NOUN
fsr-3188	61	14	for	for	ADP
fsr-3188	61	15	their	their	PRON
fsr-3188	61	16	investors	investor	NOUN
fsr-3188	61	17	over	over	ADP
fsr-3188	61	18	the	the	DET
fsr-3188	61	19	study	study	NOUN
fsr-3188	61	20	period	period	NOUN
fsr-3188	61	21	and	and	CCONJ
fsr-3188	61	22	these	these	DET
fsr-3188	61	23	funds	fund	NOUN
fsr-3188	61	24	perfomed	perfome	VERB
fsr-3188	61	25	even	even	ADV
fsr-3188	61	26	worse	bad	ADJ
fsr-3188	61	27	during	during	ADP
fsr-3188	61	28	the	the	DET
fsr-3188	61	29	recent	recent	ADJ
fsr-3188	61	30	financial	financial	ADJ
fsr-3188	61	31	crisis	crisis	NOUN
fsr-3188	61	32	.	.	PUNCT
fsr-3188	62	1	the	the	DET
fsr-3188	62	2	second	second	ADJ
fsr-3188	62	3	article	article	NOUN
fsr-3188	62	4	“	"	PUNCT
fsr-3188	62	5	portfolio	portfolio	NOUN
fsr-3188	62	6	performance	performance	NOUN
fsr-3188	62	7	with	with	ADP
fsr-3188	62	8	inverse	inverse	NOUN
fsr-3188	62	9	and	and	CCONJ
fsr-3188	62	10	leveraged	leveraged	ADJ
fsr-3188	62	11	etfs	etfs	NOUN
fsr-3188	62	12	,	,	PUNCT
fsr-3188	62	13	”	"	PUNCT
fsr-3188	62	14	is	be	AUX
fsr-3188	62	15	coauthored	coauthore	VERB
fsr-3188	62	16	by	by	ADP
fsr-3188	62	17	james	james	PROPN
fsr-3188	62	18	a.	a.	PROPN
fsr-3188	62	19	dilellio	dilellio	PROPN
fsr-3188	62	20	,	,	PUNCT
fsr-3188	62	21	rick	rick	PROPN
fsr-3188	62	22	hesse	hesse	PROPN
fsr-3188	62	23	,	,	PUNCT
fsr-3188	62	24	and	and	CCONJ
fsr-3188	62	25	darrol	darrol	PROPN
fsr-3188	62	26	j.	j.	PROPN
fsr-3188	62	27	stanley	stanley	PROPN
fsr-3188	62	28	all	all	PRON
fsr-3188	62	29	at	at	ADP
fsr-3188	62	30	pepperdine	pepperdine	PROPN
fsr-3188	62	31	university	university	PROPN
fsr-3188	62	32	.	.	PUNCT
fsr-3188	63	1	in	in	ADP
fsr-3188	63	2	this	this	DET
fsr-3188	63	3	article	article	NOUN
fsr-3188	63	4	the	the	DET
fsr-3188	63	5	authors	author	NOUN
fsr-3188	63	6	examine	examine	VERB
fsr-3188	63	7	passive	passive	ADJ
fsr-3188	63	8	investment	investment	NOUN
fsr-3188	63	9	strategies	strategy	NOUN
fsr-3188	63	10	that	that	PRON
fsr-3188	63	11	employ	employ	VERB
fsr-3188	63	12	inverse	inverse	NOUN
fsr-3188	63	13	or	or	CCONJ
fsr-3188	63	14	leveraged	leveraged	ADJ
fsr-3188	63	15	equity	equity	NOUN
fsr-3188	63	16	etfs	etfs	NOUN
fsr-3188	63	17	in	in	ADP
fsr-3188	63	18	their	their	PRON
fsr-3188	63	19	asset	asset	NOUN
fsr-3188	63	20	allocation	allocation	NOUN
fsr-3188	63	21	and	and	CCONJ
fsr-3188	63	22	quantify	quantify	VERB
fsr-3188	63	23	the	the	DET
fsr-3188	63	24	long	long	ADJ
fsr-3188	63	25	-	-	PUNCT
fsr-3188	63	26	term	term	NOUN
fsr-3188	63	27	impact	impact	NOUN
fsr-3188	63	28	on	on	ADP
fsr-3188	63	29	portfolio	portfolio	NOUN
fsr-3188	63	30	performance	performance	NOUN
fsr-3188	63	31	.	.	PUNCT
fsr-3188	64	1	monte	monte	PROPN
fsr-3188	64	2	carlo	carlo	PROPN
fsr-3188	64	3	simulations	simulation	NOUN
fsr-3188	64	4	are	be	AUX
fsr-3188	64	5	employed	employ	VERB
fsr-3188	64	6	,	,	PUNCT
fsr-3188	64	7	drawing	draw	VERB
fsr-3188	64	8	samples	sample	NOUN
fsr-3188	64	9	from	from	ADP
fsr-3188	64	10	distributions	distribution	NOUN
fsr-3188	64	11	created	create	VERB
fsr-3188	64	12	by	by	ADP
fsr-3188	64	13	two	two	NUM
fsr-3188	64	14	distinct	distinct	ADJ
fsr-3188	64	15	time	time	NOUN
fsr-3188	64	16	periods	period	NOUN
fsr-3188	64	17	of	of	ADP
fsr-3188	64	18	historical	historical	ADJ
fsr-3188	64	19	daily	daily	ADJ
fsr-3188	64	20	market	market	NOUN
fsr-3188	64	21	returns	return	NOUN
fsr-3188	64	22	.	.	PUNCT
fsr-3188	65	1	their	their	PRON
fsr-3188	65	2	findings	finding	NOUN
fsr-3188	65	3	show	show	VERB
fsr-3188	65	4	that	that	SCONJ
fsr-3188	65	5	,	,	PUNCT
fsr-3188	65	6	while	while	SCONJ
fsr-3188	65	7	these	these	DET
fsr-3188	65	8	products	product	NOUN
fsr-3188	65	9	are	be	AUX
fsr-3188	65	10	generally	generally	ADV
fsr-3188	65	11	not	not	PART
fsr-3188	65	12	recommended	recommend	VERB
fsr-3188	65	13	within	within	ADP
fsr-3188	65	14	long	long	ADJ
fsr-3188	65	15	-	-	PUNCT
fsr-3188	65	16	term	term	NOUN
fsr-3188	65	17	passive	passive	ADJ
fsr-3188	65	18	investment	investment	NOUN
fsr-3188	65	19	strategies	strategy	NOUN
fsr-3188	65	20	,	,	PUNCT
fsr-3188	65	21	potential	potential	ADJ
fsr-3188	65	22	diversification	diversification	NOUN
fsr-3188	65	23	benefits	benefit	NOUN
fsr-3188	65	24	may	may	AUX
fsr-3188	65	25	exist	exist	VERB
fsr-3188	65	26	,	,	PUNCT
fsr-3188	65	27	dependent	dependent	ADJ
fsr-3188	65	28	on	on	ADP
fsr-3188	65	29	the	the	DET
fsr-3188	65	30	behavior	behavior	NOUN
fsr-3188	65	31	of	of	ADP
fsr-3188	65	32	equity	equity	NOUN
fsr-3188	65	33	and	and	CCONJ
fsr-3188	65	34	debt	debt	NOUN
fsr-3188	65	35	markets	market	NOUN
fsr-3188	65	36	.	.	PUNCT
fsr-3188	66	1	the	the	DET
fsr-3188	66	2	third	third	ADJ
fsr-3188	66	3	article	article	NOUN
fsr-3188	66	4	,	,	PUNCT
fsr-3188	66	5	“	"	PUNCT
fsr-3188	66	6	the	the	DET
fsr-3188	66	7	performance	performance	NOUN
fsr-3188	66	8	of	of	ADP
fsr-3188	66	9	the	the	DET
fsr-3188	66	10	faith	faith	NOUN
fsr-3188	66	11	and	and	CCONJ
fsr-3188	66	12	ethical	ethical	ADJ
fsr-3188	66	13	investment	investment	NOUN
fsr-3188	66	14	products	product	NOUN
fsr-3188	66	15	:	:	PUNCT
fsr-3188	66	16	a	a	DET
fsr-3188	66	17	comparison	comparison	NOUN
fsr-3188	66	18	before	before	ADV
fsr-3188	66	19	and	and	CCONJ
fsr-3188	66	20	after	after	ADP
fsr-3188	66	21	the	the	DET
fsr-3188	66	22	2008	2008	NUM
fsr-3188	66	23	meltdown	meltdown	NOUN
fsr-3188	66	24	,	,	PUNCT
fsr-3188	66	25	”	"	PUNCT
fsr-3188	66	26	is	be	AUX
fsr-3188	66	27	coauthored	coauthore	VERB
fsr-3188	66	28	by	by	ADP
fsr-3188	66	29	francisca	francisca	PROPN
fsr-3188	66	30	m.	m.	PROPN
fsr-3188	66	31	beer	beer	PROPN
fsr-3188	66	32	,	,	PUNCT
fsr-3188	66	33	james	james	PROPN
fsr-3188	66	34	p.	p.	PROPN
fsr-3188	66	35	estes	estes	PROPN
fsr-3188	66	36	,	,	PUNCT
fsr-3188	66	37	and	and	CCONJ
fsr-3188	66	38	charlotte	charlotte	PROPN
fsr-3188	66	39	deshayes	deshayes	PROPN
fsr-3188	66	40	all	all	PRON
fsr-3188	66	41	at	at	ADP
fsr-3188	66	42	california	california	PROPN
fsr-3188	66	43	state	state	PROPN
fsr-3188	66	44	university	university	PROPN
fsr-3188	66	45	san	san	PROPN
fsr-3188	66	46	bernardino	bernardino	PROPN
fsr-3188	66	47	.	.	PUNCT
fsr-3188	67	1	in	in	ADP
fsr-3188	67	2	this	this	DET
fsr-3188	67	3	article	article	NOUN
fsr-3188	67	4	the	the	DET
fsr-3188	67	5	authors	author	NOUN
fsr-3188	67	6	study	study	VERB
fsr-3188	67	7	the	the	DET
fsr-3188	67	8	risk	risk	NOUN
fsr-3188	67	9	and	and	CCONJ
fsr-3188	67	10	return	return	VERB
fsr-3188	67	11	characteristics	characteristic	NOUN
fsr-3188	67	12	of	of	ADP
fsr-3188	67	13	socially	socially	ADV
fsr-3188	67	14	responsible	responsible	ADJ
fsr-3188	67	15	investment	investment	NOUN
fsr-3188	67	16	and	and	CCONJ
fsr-3188	67	17	faith	faith	NOUN
fsr-3188	67	18	-	-	PUNCT
fsr-3188	67	19	based	base	VERB
fsr-3188	67	20	mutual	mutual	ADJ
fsr-3188	67	21	funds	fund	NOUN
fsr-3188	67	22	prior	prior	ADV
fsr-3188	67	23	to	to	ADP
fsr-3188	67	24	and	and	CCONJ
fsr-3188	67	25	following	follow	VERB
fsr-3188	67	26	the	the	DET
fsr-3188	67	27	market	market	NOUN
fsr-3188	67	28	crisis	crisis	NOUN
fsr-3188	67	29	of	of	ADP
fsr-3188	67	30	2008	2008	NUM
fsr-3188	67	31	.	.	PUNCT
fsr-3188	68	1	their	their	PRON
fsr-3188	68	2	results	result	NOUN
fsr-3188	68	3	show	show	VERB
fsr-3188	68	4	a	a	DET
fsr-3188	68	5	high	high	ADJ
fsr-3188	68	6	level	level	NOUN
fsr-3188	68	7	of	of	ADP
fsr-3188	68	8	correlation	correlation	NOUN
fsr-3188	68	9	between	between	ADP
fsr-3188	68	10	the	the	DET
fsr-3188	68	11	indices	index	NOUN
fsr-3188	68	12	examined	examine	VERB
fsr-3188	68	13	along	along	ADP
fsr-3188	68	14	with	with	ADP
fsr-3188	68	15	a	a	DET
fsr-3188	68	16	higher	high	ADJ
fsr-3188	68	17	volatility	volatility	NOUN
fsr-3188	68	18	than	than	ADP
fsr-3188	68	19	the	the	DET
fsr-3188	68	20	s&p	s&p	PROPN
fsr-3188	68	21	500	500	NUM
fsr-3188	68	22	.	.	PUNCT
fsr-3188	69	1	they	they	PRON
fsr-3188	69	2	also	also	ADV
fsr-3188	69	3	find	find	VERB
fsr-3188	69	4	a	a	DET
fsr-3188	69	5	significant	significant	ADJ
fsr-3188	69	6	shift	shift	NOUN
fsr-3188	69	7	in	in	ADP
fsr-3188	69	8	the	the	DET
fsr-3188	69	9	mix	mix	NOUN
fsr-3188	69	10	of	of	ADP
fsr-3188	69	11	performance	performance	NOUN
fsr-3188	69	12	and	and	CCONJ
fsr-3188	69	13	volatility	volatility	NOUN
fsr-3188	69	14	of	of	ADP
fsr-3188	69	15	these	these	DET
fsr-3188	69	16	funds	fund	NOUN
fsr-3188	69	17	prior	prior	ADV
fsr-3188	69	18	to	to	ADP
fsr-3188	69	19	and	and	CCONJ
fsr-3188	69	20	after	after	ADP
fsr-3188	69	21	the	the	DET
fsr-3188	69	22	crash	crash	NOUN
fsr-3188	69	23	of	of	ADP
fsr-3188	69	24	2008	2008	NUM
fsr-3188	69	25	.	.	PUNCT
fsr-3188	70	1	this	this	PRON
fsr-3188	70	2	is	be	AUX
fsr-3188	70	3	an	an	DET
fsr-3188	70	4	important	important	ADJ
fsr-3188	70	5	consideration	consideration	NOUN
fsr-3188	70	6	for	for	ADP
fsr-3188	70	7	planners	planner	NOUN
fsr-3188	70	8	and	and	CCONJ
fsr-3188	70	9	investors	investor	NOUN
fsr-3188	70	10	in	in	ADP
fsr-3188	70	11	when	when	SCONJ
fsr-3188	70	12	considering	consider	VERB
fsr-3188	70	13	social	social	ADJ
fsr-3188	70	14	or	or	CCONJ
fsr-3188	70	15	faith	faith	NOUN
fsr-3188	70	16	based	base	VERB
fsr-3188	70	17	investments	investment	NOUN
fsr-3188	70	18	.	.	PUNCT
fsr-3188	71	1	financial	financial	ADJ
fsr-3188	71	2	services	service	NOUN
fsr-3188	71	3	review	review	VERB
fsr-3188	71	4	23	23	NUM
fsr-3188	71	5	(	(	PUNCT
fsr-3188	71	6	2014	2014	NUM
fsr-3188	71	7	)	)	PUNCT
fsr-3188	71	8	v	v	NOUN
fsr-3188	71	9	–	–	PUNCT
fsr-3188	71	10	vi	vi	NOUN
fsr-3188	71	11	1057	1057	NUM
fsr-3188	71	12	-	-	SYM
fsr-3188	71	13	0810/14/$	0810/14/$	NUM
fsr-3188	71	14	–	–	PUNCT
fsr-3188	71	15	see	see	VERB
fsr-3188	71	16	front	front	ADJ
fsr-3188	71	17	matter	matter	NOUN
fsr-3188	72	1	©	©	PROPN
fsr-3188	72	2	2014	2014	NUM
fsr-3188	72	3	academy	academy	NOUN
fsr-3188	72	4	of	of	ADP
fsr-3188	72	5	financial	financial	ADJ
fsr-3188	72	6	services	service	NOUN
fsr-3188	72	7	.	.	PUNCT
fsr-3188	73	1	all	all	DET
fsr-3188	73	2	rights	right	NOUN
fsr-3188	73	3	reserved	reserve	VERB
fsr-3188	73	4	.	.	PUNCT
fsr-3188	74	1	the	the	DET
fsr-3188	74	2	fourth	fourth	ADJ
fsr-3188	74	3	article	article	NOUN
fsr-3188	74	4	,	,	PUNCT
fsr-3188	74	5	“	"	PUNCT
fsr-3188	74	6	saving	save	VERB
fsr-3188	74	7	for	for	ADP
fsr-3188	74	8	retirement	retirement	NOUN
fsr-3188	74	9	while	while	SCONJ
fsr-3188	74	10	having	have	VERB
fsr-3188	74	11	more	more	ADJ
fsr-3188	74	12	nights	night	NOUN
fsr-3188	74	13	with	with	ADP
fsr-3188	74	14	peaceful	peaceful	ADJ
fsr-3188	74	15	sleep	sleep	NOUN
fsr-3188	74	16	:	:	PUNCT
fsr-3188	74	17	comparison	comparison	NOUN
fsr-3188	74	18	of	of	ADP
fsr-3188	74	19	lifecycle	lifecycle	NOUN
fsr-3188	74	20	and	and	CCONJ
fsr-3188	74	21	lifestyle	lifestyle	NOUN
fsr-3188	74	22	strategies	strategy	NOUN
fsr-3188	74	23	from	from	ADP
fsr-3188	74	24	expected	expect	VERB
fsr-3188	74	25	utility	utility	NOUN
fsr-3188	74	26	perspective	perspective	NOUN
fsr-3188	74	27	,	,	PUNCT
fsr-3188	74	28	”	"	PUNCT
fsr-3188	74	29	is	be	AUX
fsr-3188	74	30	coauthored	coauthore	VERB
fsr-3188	74	31	by	by	ADP
fsr-3188	74	32	rosita	rosita	PROPN
fsr-3188	74	33	p.	p.	PROPN
fsr-3188	74	34	chang	chang	PROPN
fsr-3188	74	35	at	at	ADP
fsr-3188	74	36	university	university	PROPN
fsr-3188	74	37	of	of	ADP
fsr-3188	74	38	hawaii	hawaii	PROPN
fsr-3188	74	39	at	at	ADP
fsr-3188	74	40	manoa	manoa	PROPN
fsr-3188	74	41	,	,	PUNCT
fsr-3188	74	42	david	david	PROPN
fsr-3188	74	43	hunter	hunter	PROPN
fsr-3188	74	44	at	at	ADP
fsr-3188	74	45	university	university	PROPN
fsr-3188	74	46	of	of	ADP
fsr-3188	74	47	hawaii	hawaii	PROPN
fsr-3188	74	48	at	at	ADP
fsr-3188	74	49	manoa	manoa	PROPN
fsr-3188	74	50	,	,	PUNCT
fsr-3188	74	51	qianqiu	qianqiu	ADJ
fsr-3188	74	52	liu	liu	PROPN
fsr-3188	74	53	at	at	ADP
fsr-3188	74	54	university	university	PROPN
fsr-3188	74	55	of	of	ADP
fsr-3188	74	56	hawaii	hawaii	PROPN
fsr-3188	74	57	at	at	ADP
fsr-3188	74	58	manoa	manoa	PROPN
fsr-3188	74	59	,	,	PUNCT
fsr-3188	74	60	and	and	CCONJ
fsr-3188	74	61	helen	helen	PROPN
fsr-3188	74	62	saar	saar	PROPN
fsr-3188	74	63	at	at	ADP
fsr-3188	74	64	dixie	dixie	PROPN
fsr-3188	74	65	state	state	PROPN
fsr-3188	74	66	university	university	PROPN
fsr-3188	74	67	.	.	PUNCT
fsr-3188	75	1	using	use	VERB
fsr-3188	75	2	bootstrapping	bootstrappe	VERB
fsr-3188	75	3	simulations	simulation	NOUN
fsr-3188	75	4	the	the	DET
fsr-3188	75	5	authors	author	NOUN
fsr-3188	75	6	examine	examine	VERB
fsr-3188	75	7	the	the	DET
fsr-3188	75	8	fit	fit	NOUN
fsr-3188	75	9	of	of	ADP
fsr-3188	75	10	target	target	NOUN
fsr-3188	75	11	-	-	PUNCT
fsr-3188	75	12	date	date	NOUN
fsr-3188	75	13	funds	fund	NOUN
fsr-3188	75	14	(	(	PUNCT
fsr-3188	75	15	tdfs	tdfs	ADJ
fsr-3188	75	16	)	)	PUNCT
fsr-3188	75	17	as	as	ADP
fsr-3188	75	18	the	the	DET
fsr-3188	75	19	main	main	ADJ
fsr-3188	75	20	retirement	retirement	NOUN
fsr-3188	75	21	savings	saving	NOUN
fsr-3188	75	22	instrument	instrument	NOUN
fsr-3188	75	23	for	for	ADP
fsr-3188	75	24	the	the	DET
fsr-3188	75	25	utilitymaximizing	utilitymaximize	VERB
fsr-3188	75	26	investor	investor	NOUN
fsr-3188	75	27	who	who	PRON
fsr-3188	75	28	becomes	become	VERB
fsr-3188	75	29	more	more	ADJ
fsr-3188	75	30	risk	risk	NOUN
fsr-3188	75	31	averse	averse	ADJ
fsr-3188	75	32	as	as	SCONJ
fsr-3188	75	33	she	she	PRON
fsr-3188	75	34	gets	get	VERB
fsr-3188	75	35	older	old	ADJ
fsr-3188	75	36	.	.	PUNCT
fsr-3188	76	1	the	the	DET
fsr-3188	76	2	authors	author	NOUN
fsr-3188	76	3	also	also	ADV
fsr-3188	76	4	demonstrate	demonstrate	VERB
fsr-3188	76	5	that	that	SCONJ
fsr-3188	76	6	tdfs	tdfs	NOUN
fsr-3188	76	7	can	can	AUX
fsr-3188	76	8	provide	provide	VERB
fsr-3188	76	9	higher	high	ADJ
fsr-3188	76	10	expected	expect	VERB
fsr-3188	76	11	utility	utility	NOUN
fsr-3188	76	12	than	than	ADP
fsr-3188	76	13	the	the	DET
fsr-3188	76	14	alternative	alternative	ADJ
fsr-3188	76	15	lifestyle	lifestyle	NOUN
fsr-3188	76	16	strategies	strategy	NOUN
fsr-3188	76	17	.	.	PUNCT
fsr-3188	77	1	with	with	ADP
fsr-3188	77	2	loss	loss	NOUN
fsr-3188	77	3	aversion	aversion	NOUN
fsr-3188	77	4	incorporated	incorporate	VERB
fsr-3188	77	5	in	in	ADP
fsr-3188	77	6	the	the	DET
fsr-3188	77	7	model	model	NOUN
fsr-3188	77	8	,	,	PUNCT
fsr-3188	77	9	they	they	PRON
fsr-3188	77	10	find	find	VERB
fsr-3188	77	11	that	that	SCONJ
fsr-3188	77	12	the	the	DET
fsr-3188	77	13	optimal	optimal	ADJ
fsr-3188	77	14	lifecycle	lifecycle	NOUN
fsr-3188	77	15	strategy	strategy	NOUN
fsr-3188	77	16	over	over	ADP
fsr-3188	77	17	time	time	NOUN
fsr-3188	77	18	leads	lead	VERB
fsr-3188	77	19	to	to	ADP
fsr-3188	77	20	higher	high	ADJ
fsr-3188	77	21	expected	expect	VERB
fsr-3188	77	22	utility	utility	NOUN
fsr-3188	77	23	than	than	ADP
fsr-3188	77	24	the	the	DET
fsr-3188	77	25	best	good	ADJ
fsr-3188	77	26	lifestyle	lifestyle	NOUN
fsr-3188	77	27	strategy	strategy	NOUN
fsr-3188	77	28	.	.	PUNCT
fsr-3188	78	1	they	they	PRON
fsr-3188	78	2	conclude	conclude	VERB
fsr-3188	78	3	that	that	SCONJ
fsr-3188	78	4	tdfs	tdfs	NOUN
fsr-3188	78	5	are	be	AUX
fsr-3188	78	6	preferable	preferable	ADJ
fsr-3188	78	7	to	to	ADP
fsr-3188	78	8	utility	utility	NOUN
fsr-3188	78	9	-	-	PUNCT
fsr-3188	78	10	maximizing	maximize	VERB
fsr-3188	78	11	investors	investor	NOUN
fsr-3188	78	12	,	,	PUNCT
fsr-3188	78	13	although	although	SCONJ
fsr-3188	78	14	an	an	DET
fsr-3188	78	15	investor	investor	NOUN
fsr-3188	78	16	’s	’s	PART
fsr-3188	78	17	risk	risk	NOUN
fsr-3188	78	18	tolerance	tolerance	NOUN
fsr-3188	78	19	should	should	AUX
fsr-3188	78	20	be	be	AUX
fsr-3188	78	21	considered	consider	VERB
fsr-3188	78	22	when	when	SCONJ
fsr-3188	78	23	selecting	select	VERB
fsr-3188	78	24	tdf	tdf	NOUN
fsr-3188	78	25	funds	fund	NOUN
fsr-3188	78	26	.	.	PUNCT
fsr-3188	79	1	the	the	DET
fsr-3188	79	2	final	final	ADJ
fsr-3188	79	3	article	article	NOUN
fsr-3188	79	4	,	,	PUNCT
fsr-3188	79	5	“	"	PUNCT
fsr-3188	79	6	the	the	DET
fsr-3188	79	7	perpetual	perpetual	ADJ
fsr-3188	79	8	growth	growth	NOUN
fsr-3188	79	9	model	model	NOUN
fsr-3188	79	10	and	and	CCONJ
fsr-3188	79	11	the	the	DET
fsr-3188	79	12	cost	cost	NOUN
fsr-3188	79	13	of	of	ADP
fsr-3188	79	14	computational	computational	ADJ
fsr-3188	79	15	efficiency	efficiency	NOUN
fsr-3188	79	16	:	:	PUNCT
fsr-3188	79	17	rounding	round	VERB
fsr-3188	79	18	errors	error	NOUN
fsr-3188	79	19	or	or	CCONJ
fsr-3188	79	20	wild	wild	ADJ
fsr-3188	79	21	distortions	distortion	NOUN
fsr-3188	79	22	?	?	PUNCT
fsr-3188	79	23	,	,	PUNCT
fsr-3188	79	24	”	"	PUNCT
fsr-3188	79	25	is	be	AUX
fsr-3188	79	26	coauthored	coauthore	VERB
fsr-3188	79	27	by	by	ADP
fsr-3188	79	28	morris	morris	PROPN
fsr-3188	79	29	g.	g.	PROPN
fsr-3188	79	30	danielson	danielson	PROPN
fsr-3188	79	31	and	and	CCONJ
fsr-3188	79	32	jean	jean	PROPN
fsr-3188	79	33	l.	l.	PROPN
fsr-3188	79	34	heck	heck	INTJ
fsr-3188	79	35	both	both	PRON
fsr-3188	79	36	at	at	ADP
fsr-3188	79	37	saint	saint	PROPN
fsr-3188	79	38	joseph	joseph	PROPN
fsr-3188	79	39	’s	’s	PART
fsr-3188	79	40	university	university	NOUN
fsr-3188	79	41	.	.	PUNCT
fsr-3188	80	1	in	in	ADP
fsr-3188	80	2	this	this	DET
fsr-3188	80	3	applied	apply	VERB
fsr-3188	80	4	article	article	NOUN
fsr-3188	80	5	,	,	PUNCT
fsr-3188	80	6	the	the	DET
fsr-3188	80	7	authors	author	NOUN
fsr-3188	80	8	investigate	investigate	VERB
fsr-3188	80	9	the	the	DET
fsr-3188	80	10	constant	constant	ADJ
fsr-3188	80	11	dividend	dividend	NOUN
fsr-3188	80	12	growth	growth	NOUN
fsr-3188	80	13	model	model	NOUN
fsr-3188	80	14	(	(	PUNCT
fsr-3188	80	15	gordon	gordon	PROPN
fsr-3188	80	16	,	,	PUNCT
fsr-3188	80	17	1962	1962	NUM
fsr-3188	80	18	)	)	PUNCT
fsr-3188	80	19	.	.	PUNCT
fsr-3188	81	1	the	the	DET
fsr-3188	81	2	model	model	NOUN
fsr-3188	81	3	is	be	AUX
fsr-3188	81	4	primarily	primarily	ADV
fsr-3188	81	5	used	use	VERB
fsr-3188	81	6	because	because	SCONJ
fsr-3188	81	7	of	of	ADP
fsr-3188	81	8	its	its	PRON
fsr-3188	81	9	computational	computational	ADJ
fsr-3188	81	10	simplicity	simplicity	NOUN
fsr-3188	81	11	,	,	PUNCT
fsr-3188	81	12	although	although	SCONJ
fsr-3188	81	13	,	,	PUNCT
fsr-3188	81	14	value	value	NOUN
fsr-3188	81	15	estimates	estimate	NOUN
fsr-3188	81	16	from	from	ADP
fsr-3188	81	17	the	the	DET
fsr-3188	81	18	model	model	NOUN
fsr-3188	81	19	can	can	AUX
fsr-3188	81	20	be	be	AUX
fsr-3188	81	21	highly	highly	ADV
fsr-3188	81	22	dependent	dependent	ADJ
fsr-3188	81	23	on	on	ADP
fsr-3188	81	24	future	future	ADJ
fsr-3188	81	25	expected	expect	VERB
fsr-3188	81	26	cash	cash	NOUN
fsr-3188	81	27	flows	flow	NOUN
fsr-3188	81	28	.	.	PUNCT
fsr-3188	82	1	the	the	DET
fsr-3188	82	2	authors	author	NOUN
fsr-3188	82	3	results	result	VERB
fsr-3188	82	4	suggest	suggest	VERB
fsr-3188	82	5	that	that	SCONJ
fsr-3188	82	6	price	price	NOUN
fsr-3188	82	7	estimates	estimate	NOUN
fsr-3188	82	8	from	from	ADP
fsr-3188	82	9	the	the	DET
fsr-3188	82	10	constant	constant	ADJ
fsr-3188	82	11	growth	growth	NOUN
fsr-3188	82	12	model	model	NOUN
fsr-3188	82	13	can	can	AUX
fsr-3188	82	14	overstate	overstate	VERB
fsr-3188	82	15	a	a	DET
fsr-3188	82	16	stock	stock	NOUN
fsr-3188	82	17	’s	’s	PART
fsr-3188	82	18	intrinsic	intrinsic	ADJ
fsr-3188	82	19	value	value	NOUN
fsr-3188	82	20	by	by	ADP
fsr-3188	82	21	a	a	DET
fsr-3188	82	22	sizeable	sizeable	ADJ
fsr-3188	82	23	amount	amount	NOUN
fsr-3188	82	24	,	,	PUNCT
fsr-3188	82	25	in	in	ADP
fsr-3188	82	26	some	some	DET
fsr-3188	82	27	cases	case	NOUN
fsr-3188	82	28	two	two	NUM
fsr-3188	82	29	or	or	CCONJ
fsr-3188	82	30	three	three	NUM
fsr-3188	82	31	times	time	NOUN
fsr-3188	82	32	the	the	DET
fsr-3188	82	33	underlying	underlying	ADJ
fsr-3188	82	34	intrinsic	intrinsic	ADJ
fsr-3188	82	35	value	value	NOUN
fsr-3188	82	36	.	.	PUNCT
fsr-3188	83	1	the	the	DET
fsr-3188	83	2	potential	potential	ADJ
fsr-3188	83	3	overstatement	overstatement	ADJ
fsr-3188	83	4	increases	increase	NOUN
fsr-3188	83	5	as	as	SCONJ
fsr-3188	83	6	the	the	DET
fsr-3188	83	7	firm	firm	NOUN
fsr-3188	83	8	’s	’s	PART
fsr-3188	83	9	dividend	dividend	NOUN
fsr-3188	83	10	yield	yield	NOUN
fsr-3188	83	11	decreases	decrease	NOUN
fsr-3188	83	12	,	,	PUNCT
fsr-3188	83	13	shifting	shift	VERB
fsr-3188	83	14	a	a	DET
fsr-3188	83	15	greater	great	ADJ
fsr-3188	83	16	portion	portion	NOUN
fsr-3188	83	17	of	of	ADP
fsr-3188	83	18	the	the	DET
fsr-3188	83	19	expected	expect	VERB
fsr-3188	83	20	cash	cash	NOUN
fsr-3188	83	21	flow	flow	NOUN
fsr-3188	83	22	into	into	ADP
fsr-3188	83	23	later	later	ADJ
fsr-3188	83	24	years	year	NOUN
fsr-3188	83	25	.	.	PUNCT
fsr-3188	84	1	because	because	SCONJ
fsr-3188	84	2	the	the	DET
fsr-3188	84	3	model	model	NOUN
fsr-3188	84	4	is	be	AUX
fsr-3188	84	5	less	less	ADV
fsr-3188	84	6	likely	likely	ADJ
fsr-3188	84	7	to	to	PART
fsr-3188	84	8	misstate	misstate	VERB
fsr-3188	84	9	value	value	NOUN
fsr-3188	84	10	for	for	ADP
fsr-3188	84	11	low	low	ADJ
fsr-3188	84	12	-	-	PUNCT
fsr-3188	84	13	growth	growth	NOUN
fsr-3188	84	14	,	,	PUNCT
fsr-3188	84	15	highpayout	highpayout	NOUN
fsr-3188	84	16	firms	firm	NOUN
fsr-3188	84	17	,	,	PUNCT
fsr-3188	84	18	the	the	DET
fsr-3188	84	19	interesting	interesting	ADJ
fsr-3188	84	20	implication	implication	NOUN
fsr-3188	84	21	is	be	AUX
fsr-3188	84	22	that	that	SCONJ
fsr-3188	84	23	the	the	DET
fsr-3188	84	24	model	model	NOUN
fsr-3188	84	25	is	be	AUX
fsr-3188	84	26	most	most	ADV
fsr-3188	84	27	useful	useful	ADJ
fsr-3188	84	28	when	when	SCONJ
fsr-3188	84	29	its	its	PRON
fsr-3188	84	30	ability	ability	NOUN
fsr-3188	84	31	to	to	PART
fsr-3188	84	32	value	value	VERB
fsr-3188	84	33	growth	growth	NOUN
fsr-3188	84	34	is	be	AUX
fsr-3188	84	35	needed	need	VERB
fsr-3188	84	36	least	least	ADJ
fsr-3188	84	37	.	.	PUNCT
fsr-3188	85	1	i	i	PRON
fsr-3188	85	2	would	would	AUX
fsr-3188	85	3	like	like	VERB
fsr-3188	85	4	to	to	PART
fsr-3188	85	5	send	send	VERB
fsr-3188	85	6	a	a	DET
fsr-3188	85	7	special	special	ADJ
fsr-3188	85	8	thank	thank	NOUN
fsr-3188	85	9	you	you	PRON
fsr-3188	85	10	to	to	ADP
fsr-3188	85	11	the	the	DET
fsr-3188	85	12	many	many	ADJ
fsr-3188	85	13	reviewers	reviewer	NOUN
fsr-3188	85	14	that	that	PRON
fsr-3188	85	15	have	have	AUX
fsr-3188	85	16	significantly	significantly	ADV
fsr-3188	85	17	contributed	contribute	VERB
fsr-3188	85	18	to	to	ADP
fsr-3188	85	19	the	the	DET
fsr-3188	85	20	quality	quality	NOUN
fsr-3188	85	21	of	of	ADP
fsr-3188	85	22	our	our	PRON
fsr-3188	85	23	journal	journal	NOUN
fsr-3188	85	24	by	by	ADP
fsr-3188	85	25	providing	provide	VERB
fsr-3188	85	26	timely	timely	ADJ
fsr-3188	85	27	and	and	CCONJ
fsr-3188	85	28	thorough	thorough	ADJ
fsr-3188	85	29	reviews	review	NOUN
fsr-3188	85	30	of	of	ADP
fsr-3188	85	31	the	the	DET
fsr-3188	85	32	submissions	submission	NOUN
fsr-3188	85	33	to	to	ADP
fsr-3188	85	34	our	our	PRON
fsr-3188	85	35	journal	journal	NOUN
fsr-3188	85	36	.	.	PUNCT
fsr-3188	86	1	thanks	thank	NOUN
fsr-3188	86	2	to	to	ADP
fsr-3188	86	3	those	those	PRON
fsr-3188	86	4	who	who	PRON
fsr-3188	86	5	make	make	VERB
fsr-3188	86	6	the	the	DET
fsr-3188	86	7	journal	journal	NOUN
fsr-3188	86	8	possible	possible	ADJ
fsr-3188	86	9	,	,	PUNCT
fsr-3188	86	10	especially	especially	ADV
fsr-3188	86	11	the	the	DET
fsr-3188	86	12	referees	referee	NOUN
fsr-3188	86	13	and	and	CCONJ
fsr-3188	86	14	contributing	contribute	VERB
fsr-3188	86	15	authors	author	NOUN
fsr-3188	86	16	.	.	PUNCT
fsr-3188	87	1	please	please	INTJ
fsr-3188	87	2	consider	consider	VERB
fsr-3188	87	3	submission	submission	NOUN
fsr-3188	87	4	to	to	ADP
fsr-3188	87	5	the	the	DET
fsr-3188	87	6	financial	financial	ADJ
fsr-3188	87	7	services	service	NOUN
fsr-3188	87	8	review	review	NOUN
fsr-3188	87	9	and	and	CCONJ
fsr-3188	87	10	rely	rely	VERB
fsr-3188	87	11	on	on	ADP
fsr-3188	87	12	the	the	DET
fsr-3188	87	13	style	style	NOUN
fsr-3188	87	14	information	information	NOUN
fsr-3188	87	15	provided	provide	VERB
fsr-3188	87	16	to	to	PART
fsr-3188	87	17	ease	ease	VERB
fsr-3188	87	18	readability	readability	NOUN
fsr-3188	87	19	and	and	CCONJ
fsr-3188	87	20	streamline	streamline	VERB
fsr-3188	87	21	the	the	DET
fsr-3188	87	22	review	review	NOUN
fsr-3188	87	23	process	process	NOUN
fsr-3188	87	24	.	.	PUNCT
fsr-3188	88	1	the	the	DET
fsr-3188	88	2	journal	journal	NOUN
fsr-3188	88	3	welcomes	welcome	VERB
fsr-3188	88	4	articles	article	NOUN
fsr-3188	88	5	over	over	ADP
fsr-3188	88	6	the	the	DET
fsr-3188	88	7	range	range	NOUN
fsr-3188	88	8	of	of	ADP
fsr-3188	88	9	areas	area	NOUN
fsr-3188	88	10	that	that	PRON
fsr-3188	88	11	comprise	comprise	VERB
fsr-3188	88	12	personal	personal	ADJ
fsr-3188	88	13	financial	financial	ADJ
fsr-3188	88	14	planning	planning	NOUN
fsr-3188	88	15	.	.	PUNCT
fsr-3188	89	1	while	while	SCONJ
fsr-3188	89	2	fsr	fsr	PROPN
fsr-3188	89	3	articles	article	NOUN
fsr-3188	89	4	are	be	AUX
fsr-3188	89	5	certainly	certainly	ADV
fsr-3188	89	6	diverse	diverse	ADJ
fsr-3188	89	7	in	in	ADP
fsr-3188	89	8	terms	term	NOUN
fsr-3188	89	9	of	of	ADP
fsr-3188	89	10	topic	topic	NOUN
fsr-3188	89	11	,	,	PUNCT
fsr-3188	89	12	data	datum	NOUN
fsr-3188	89	13	,	,	PUNCT
fsr-3188	89	14	and	and	CCONJ
fsr-3188	89	15	method	method	NOUN
fsr-3188	89	16	,	,	PUNCT
fsr-3188	89	17	they	they	PRON
fsr-3188	89	18	are	be	AUX
fsr-3188	89	19	focused	focus	VERB
fsr-3188	89	20	in	in	ADP
fsr-3188	89	21	terms	term	NOUN
fsr-3188	89	22	of	of	ADP
fsr-3188	89	23	motivation	motivation	NOUN
fsr-3188	89	24	.	.	PUNCT
fsr-3188	90	1	fsr	fsr	PROPN
fsr-3188	90	2	exists	exist	VERB
fsr-3188	90	3	to	to	PART
fsr-3188	90	4	produce	produce	VERB
fsr-3188	90	5	research	research	NOUN
fsr-3188	90	6	that	that	PRON
fsr-3188	90	7	addresses	address	VERB
fsr-3188	90	8	issues	issue	NOUN
fsr-3188	90	9	that	that	PRON
fsr-3188	90	10	matter	matter	VERB
fsr-3188	90	11	to	to	ADP
fsr-3188	90	12	individuals	individual	NOUN
fsr-3188	90	13	.	.	PUNCT
fsr-3188	91	1	i	i	PRON
fsr-3188	91	2	remain	remain	VERB
fsr-3188	91	3	committed	committed	ADJ
fsr-3188	91	4	to	to	ADP
fsr-3188	91	5	the	the	DET
fsr-3188	91	6	goal	goal	NOUN
fsr-3188	91	7	of	of	ADP
fsr-3188	91	8	making	make	VERB
fsr-3188	91	9	financial	financial	ADJ
fsr-3188	91	10	services	service	NOUN
fsr-3188	91	11	review	review	VERB
fsr-3188	91	12	the	the	DET
fsr-3188	91	13	best	good	ADJ
fsr-3188	91	14	academic	academic	ADJ
fsr-3188	91	15	journal	journal	NOUN
fsr-3188	91	16	in	in	ADP
fsr-3188	91	17	individual	individual	ADJ
fsr-3188	91	18	financial	financial	ADJ
fsr-3188	91	19	management	management	NOUN
fsr-3188	91	20	and	and	CCONJ
fsr-3188	91	21	personal	personal	ADJ
fsr-3188	91	22	financial	financial	ADJ
fsr-3188	91	23	planning	planning	NOUN
fsr-3188	91	24	.	.	PUNCT
fsr-3188	92	1	best	good	ADJ
fsr-3188	92	2	regards	regard	VERB
fsr-3188	92	3	,	,	PUNCT
fsr-3188	92	4	stuart	stuart	PROPN
fsr-3188	92	5	michelson	michelson	PROPN
fsr-3188	92	6	editor	editor	PROPN
fsr-3188	92	7	financial	financial	PROPN
fsr-3188	92	8	services	services	PROPN
fsr-3188	92	9	review	review	VERB
fsr-3188	92	10	vi	vi	PROPN
fsr-3188	92	11	editorial	editorial	NOUN
fsr-3188	92	12	/	/	SYM
fsr-3188	92	13	financial	financial	ADJ
fsr-3188	92	14	services	service	NOUN
fsr-3188	92	15	review	review	VERB
fsr-3188	92	16	23	23	NUM
fsr-3188	92	17	(	(	PUNCT
fsr-3188	92	18	2014	2014	NUM
fsr-3188	92	19	)	)	PUNCT
fsr-3188	92	20	v	v	NOUN
fsr-3188	92	21	–	–	PUNCT
fsr-3188	92	22	vi	vi	NOUN