id	sid	tid	token	lemma	pos
fsr-3190	1	1	from	from	ADP
fsr-3190	1	2	the	the	DET
fsr-3190	1	3	editor	editor	NOUN
fsr-3190	1	4	dear	dear	ADJ
fsr-3190	1	5	readers	reader	NOUN
fsr-3190	1	6	,	,	PUNCT
fsr-3190	1	7	i	i	PRON
fsr-3190	1	8	am	be	AUX
fsr-3190	1	9	delighted	delighted	ADJ
fsr-3190	1	10	to	to	PART
fsr-3190	1	11	present	present	VERB
fsr-3190	1	12	the	the	DET
fsr-3190	1	13	latest	late	ADJ
fsr-3190	1	14	edition	edition	NOUN
fsr-3190	1	15	of	of	ADP
fsr-3190	1	16	the	the	DET
fsr-3190	1	17	financial	financial	ADJ
fsr-3190	1	18	services	service	NOUN
fsr-3190	1	19	review	review	NOUN
fsr-3190	1	20	(	(	PUNCT
fsr-3190	1	21	volume	volume	NOUN
fsr-3190	1	22	31	31	NUM
fsr-3190	1	23	issue	issue	NOUN
fsr-3190	1	24	1	1	NUM
fsr-3190	1	25	)	)	PUNCT
fsr-3190	1	26	,	,	PUNCT
fsr-3190	1	27	packed	pack	VERB
fsr-3190	1	28	with	with	ADP
fsr-3190	1	29	valuable	valuable	ADJ
fsr-3190	1	30	research	research	NOUN
fsr-3190	1	31	and	and	CCONJ
fsr-3190	1	32	insights	insight	NOUN
fsr-3190	1	33	on	on	ADP
fsr-3190	1	34	various	various	ADJ
fsr-3190	1	35	aspects	aspect	NOUN
fsr-3190	1	36	of	of	ADP
fsr-3190	1	37	finance	finance	NOUN
fsr-3190	1	38	and	and	CCONJ
fsr-3190	1	39	financial	financial	ADJ
fsr-3190	1	40	behavior	behavior	NOUN
fsr-3190	1	41	.	.	PUNCT
fsr-3190	2	1	as	as	ADP
fsr-3190	2	2	the	the	DET
fsr-3190	2	3	editor	editor	NOUN
fsr-3190	2	4	of	of	ADP
fsr-3190	2	5	this	this	DET
fsr-3190	2	6	esteemed	esteemed	ADJ
fsr-3190	2	7	academic	academic	ADJ
fsr-3190	2	8	journal	journal	NOUN
fsr-3190	2	9	,	,	PUNCT
fsr-3190	2	10	i	i	PRON
fsr-3190	2	11	am	be	AUX
fsr-3190	2	12	privileged	privileged	ADJ
fsr-3190	2	13	to	to	PART
fsr-3190	2	14	introduce	introduce	VERB
fsr-3190	2	15	the	the	DET
fsr-3190	2	16	thought	thought	NOUN
fsr-3190	2	17	-	-	PUNCT
fsr-3190	2	18	provoking	provoke	VERB
fsr-3190	2	19	articles	article	NOUN
fsr-3190	2	20	featured	feature	VERB
fsr-3190	2	21	in	in	ADP
fsr-3190	2	22	this	this	DET
fsr-3190	2	23	issue	issue	NOUN
fsr-3190	2	24	.	.	PUNCT
fsr-3190	3	1	one	one	NUM
fsr-3190	3	2	of	of	ADP
fsr-3190	3	3	the	the	DET
fsr-3190	3	4	significant	significant	ADJ
fsr-3190	3	5	topics	topic	NOUN
fsr-3190	3	6	explored	explore	VERB
fsr-3190	3	7	in	in	ADP
fsr-3190	3	8	this	this	DET
fsr-3190	3	9	edition	edition	NOUN
fsr-3190	3	10	is	be	AUX
fsr-3190	3	11	the	the	DET
fsr-3190	3	12	debate	debate	NOUN
fsr-3190	3	13	surrounding	surround	VERB
fsr-3190	3	14	the	the	DET
fsr-3190	3	15	benefits	benefit	NOUN
fsr-3190	3	16	and	and	CCONJ
fsr-3190	3	17	drawbacks	drawback	NOUN
fsr-3190	3	18	of	of	ADP
fsr-3190	3	19	remaining	remain	VERB
fsr-3190	3	20	in	in	ADP
fsr-3190	3	21	a	a	DET
fsr-3190	3	22	401(k	401(k	NOUN
fsr-3190	3	23	)	)	PUNCT
fsr-3190	3	24	plan	plan	NOUN
fsr-3190	3	25	after	after	ADP
fsr-3190	3	26	retirement	retirement	NOUN
fsr-3190	3	27	.	.	PUNCT
fsr-3190	4	1	the	the	DET
fsr-3190	4	2	article	article	NOUN
fsr-3190	4	3	authored	author	VERB
fsr-3190	4	4	by	by	ADP
fsr-3190	4	5	olivia	olivia	PROPN
fsr-3190	4	6	s.	s.	PROPN
fsr-3190	4	7	mitchell	mitchell	PROPN
fsr-3190	4	8	,	,	PUNCT
fsr-3190	4	9	catherine	catherine	PROPN
fsr-3190	4	10	reilly	reilly	PROPN
fsr-3190	4	11	,	,	PUNCT
fsr-3190	4	12	and	and	CCONJ
fsr-3190	4	13	john	john	PROPN
fsr-3190	4	14	a.	a.	PROPN
fsr-3190	4	15	turner	turner	PROPN
fsr-3190	4	16	examines	examine	VERB
fsr-3190	4	17	whether	whether	SCONJ
fsr-3190	4	18	retirees	retiree	NOUN
fsr-3190	4	19	would	would	AUX
fsr-3190	4	20	be	be	AUX
fsr-3190	4	21	better	well	ADJ
fsr-3190	4	22	off	off	ADP
fsr-3190	4	23	retaining	retain	VERB
fsr-3190	4	24	their	their	PRON
fsr-3190	4	25	assets	asset	NOUN
fsr-3190	4	26	in	in	ADP
fsr-3190	4	27	their	their	PRON
fsr-3190	4	28	companies	company	NOUN
fsr-3190	4	29	’	'	PUNCT
fsr-3190	4	30	401(k	401(k	PROPN
fsr-3190	4	31	)	)	PUNCT
fsr-3190	4	32	plans	plan	NOUN
fsr-3190	4	33	or	or	CCONJ
fsr-3190	4	34	rolling	roll	VERB
fsr-3190	4	35	their	their	PRON
fsr-3190	4	36	savings	saving	NOUN
fsr-3190	4	37	over	over	ADP
fsr-3190	4	38	to	to	ADP
fsr-3190	4	39	individual	individual	ADJ
fsr-3190	4	40	retirement	retirement	NOUN
fsr-3190	4	41	accounts	account	NOUN
fsr-3190	4	42	(	(	PUNCT
fsr-3190	4	43	iras	ira	NOUN
fsr-3190	4	44	)	)	PUNCT
fsr-3190	4	45	.	.	PUNCT
fsr-3190	5	1	the	the	DET
fsr-3190	5	2	study	study	NOUN
fsr-3190	5	3	focuses	focus	VERB
fsr-3190	5	4	on	on	ADP
fsr-3190	5	5	individuals	individual	NOUN
fsr-3190	5	6	with	with	ADP
fsr-3190	5	7	low	low	ADJ
fsr-3190	5	8	or	or	CCONJ
fsr-3190	5	9	moderate	moderate	ADJ
fsr-3190	5	10	levels	level	NOUN
fsr-3190	5	11	of	of	ADP
fsr-3190	5	12	financial	financial	ADJ
fsr-3190	5	13	literacy	literacy	NOUN
fsr-3190	5	14	.	.	PUNCT
fsr-3190	6	1	the	the	DET
fsr-3190	6	2	findings	finding	NOUN
fsr-3190	6	3	reveal	reveal	VERB
fsr-3190	6	4	that	that	SCONJ
fsr-3190	6	5	many	many	ADJ
fsr-3190	6	6	such	such	ADJ
fsr-3190	6	7	retirees	retiree	NOUN
fsr-3190	6	8	could	could	AUX
fsr-3190	6	9	find	find	VERB
fsr-3190	6	10	it	it	PRON
fsr-3190	6	11	financially	financially	ADV
fsr-3190	6	12	rewarding	rewarding	ADJ
fsr-3190	6	13	to	to	PART
fsr-3190	6	14	continue	continue	VERB
fsr-3190	6	15	with	with	ADP
fsr-3190	6	16	their	their	PRON
fsr-3190	6	17	401(k	401(k	NOUN
fsr-3190	6	18	)	)	PUNCT
fsr-3190	6	19	plans	plan	NOUN
fsr-3190	6	20	.	.	PUNCT
fsr-3190	7	1	while	while	SCONJ
fsr-3190	7	2	iras	ira	NOUN
fsr-3190	7	3	offer	offer	VERB
fsr-3190	7	4	a	a	DET
fsr-3190	7	5	more	more	ADV
fsr-3190	7	6	comprehensive	comprehensive	ADJ
fsr-3190	7	7	range	range	NOUN
fsr-3190	7	8	of	of	ADP
fsr-3190	7	9	advice	advice	NOUN
fsr-3190	7	10	and	and	CCONJ
fsr-3190	7	11	distribution	distribution	NOUN
fsr-3190	7	12	options	option	NOUN
fsr-3190	7	13	,	,	PUNCT
fsr-3190	7	14	the	the	DET
fsr-3190	7	15	article	article	NOUN
fsr-3190	7	16	highlights	highlight	VERB
fsr-3190	7	17	the	the	DET
fsr-3190	7	18	potential	potential	NOUN
fsr-3190	7	19	for	for	ADP
fsr-3190	7	20	legislative	legislative	ADJ
fsr-3190	7	21	and	and	CCONJ
fsr-3190	7	22	technological	technological	ADJ
fsr-3190	7	23	developments	development	NOUN
fsr-3190	7	24	to	to	PART
fsr-3190	7	25	improve	improve	VERB
fsr-3190	7	26	retirement	retirement	NOUN
fsr-3190	7	27	outcomes	outcome	NOUN
fsr-3190	7	28	,	,	PUNCT
fsr-3190	7	29	instill	instill	VERB
fsr-3190	7	30	greater	great	ADJ
fsr-3190	7	31	retirement	retirement	NOUN
fsr-3190	7	32	confidence	confidence	NOUN
fsr-3190	7	33	,	,	PUNCT
fsr-3190	7	34	and	and	CCONJ
fsr-3190	7	35	enhance	enhance	VERB
fsr-3190	7	36	security	security	NOUN
fsr-3190	7	37	for	for	ADP
fsr-3190	7	38	retirees	retiree	NOUN
fsr-3190	7	39	.	.	PUNCT
fsr-3190	8	1	in	in	ADP
fsr-3190	8	2	another	another	DET
fsr-3190	8	3	captivating	captivating	ADJ
fsr-3190	8	4	research	research	NOUN
fsr-3190	8	5	piece	piece	NOUN
fsr-3190	8	6	,	,	PUNCT
fsr-3190	8	7	yi	yi	PROPN
fsr-3190	8	8	liu	liu	PROPN
fsr-3190	8	9	and	and	CCONJ
fsr-3190	8	10	russell	russell	PROPN
fsr-3190	8	11	n.	n.	PROPN
fsr-3190	8	12	james	james	PROPN
fsr-3190	8	13	iii	iii	PROPN
fsr-3190	8	14	explore	explore	VERB
fsr-3190	8	15	the	the	DET
fsr-3190	8	16	intriguing	intriguing	ADJ
fsr-3190	8	17	relationship	relationship	NOUN
fsr-3190	8	18	between	between	ADP
fsr-3190	8	19	gratitude	gratitude	NOUN
fsr-3190	8	20	,	,	PUNCT
fsr-3190	8	21	finance	finance	NOUN
fsr-3190	8	22	,	,	PUNCT
fsr-3190	8	23	and	and	CCONJ
fsr-3190	8	24	charitable	charitable	ADJ
fsr-3190	8	25	giving	giving	NOUN
fsr-3190	8	26	.	.	PUNCT
fsr-3190	9	1	the	the	DET
fsr-3190	9	2	study	study	NOUN
fsr-3190	9	3	presents	present	VERB
fsr-3190	9	4	results	result	NOUN
fsr-3190	9	5	from	from	ADP
fsr-3190	9	6	a	a	DET
fsr-3190	9	7	repeated	repeat	VERB
fsr-3190	9	8	experiment	experiment	NOUN
fsr-3190	9	9	over	over	ADP
fsr-3190	9	10	time	time	NOUN
fsr-3190	9	11	,	,	PUNCT
fsr-3190	9	12	revealing	reveal	VERB
fsr-3190	9	13	the	the	DET
fsr-3190	9	14	impact	impact	NOUN
fsr-3190	9	15	of	of	ADP
fsr-3190	9	16	different	different	ADJ
fsr-3190	9	17	reminders	reminder	NOUN
fsr-3190	9	18	on	on	ADP
fsr-3190	9	19	charitable	charitable	ADJ
fsr-3190	9	20	giving	giving	NOUN
fsr-3190	9	21	intentions	intention	NOUN
fsr-3190	9	22	.	.	PUNCT
fsr-3190	10	1	an	an	DET
fsr-3190	10	2	initial	initial	ADJ
fsr-3190	10	3	reminder	reminder	NOUN
fsr-3190	10	4	of	of	ADP
fsr-3190	10	5	“	"	PUNCT
fsr-3190	10	6	three	three	NUM
fsr-3190	10	7	good	good	ADJ
fsr-3190	10	8	things	thing	NOUN
fsr-3190	10	9	”	"	PUNCT
fsr-3190	10	10	(	(	PUNCT
fsr-3190	10	11	tgt	tgt	NOUN
fsr-3190	10	12	)	)	PUNCT
fsr-3190	10	13	increases	increase	VERB
fsr-3190	10	14	such	such	ADJ
fsr-3190	10	15	purposes	purpose	NOUN
fsr-3190	10	16	,	,	PUNCT
fsr-3190	10	17	while	while	SCONJ
fsr-3190	10	18	reminders	reminder	NOUN
fsr-3190	10	19	focused	focus	VERB
fsr-3190	10	20	on	on	ADP
fsr-3190	10	21	“	"	PUNCT
fsr-3190	10	22	three	three	NUM
fsr-3190	10	23	good	good	ADJ
fsr-3190	10	24	financial	financial	ADJ
fsr-3190	10	25	things	thing	NOUN
fsr-3190	10	26	”	"	PUNCT
fsr-3190	10	27	(	(	PUNCT
fsr-3190	10	28	tgft	tgft	NOUN
fsr-3190	10	29	)	)	PUNCT
fsr-3190	10	30	or	or	CCONJ
fsr-3190	10	31	purely	purely	ADV
fsr-3190	10	32	“	"	PUNCT
fsr-3190	10	33	three	three	NUM
fsr-3190	10	34	financial	financial	ADJ
fsr-3190	10	35	things	thing	NOUN
fsr-3190	10	36	”	"	PUNCT
fsr-3190	10	37	(	(	PUNCT
fsr-3190	10	38	tft	tft	ADV
fsr-3190	10	39	)	)	PUNCT
fsr-3190	10	40	decrease	decrease	VERB
fsr-3190	10	41	them	they	PRON
fsr-3190	10	42	.	.	PUNCT
fsr-3190	11	1	the	the	DET
fsr-3190	11	2	researchers	researcher	NOUN
fsr-3190	11	3	also	also	ADV
fsr-3190	11	4	observe	observe	VERB
fsr-3190	11	5	that	that	SCONJ
fsr-3190	11	6	repeating	repeat	VERB
fsr-3190	11	7	gratitude	gratitude	NOUN
fsr-3190	11	8	reminders	reminder	NOUN
fsr-3190	11	9	with	with	ADP
fsr-3190	11	10	financial	financial	ADJ
fsr-3190	11	11	references	reference	NOUN
fsr-3190	11	12	can	can	AUX
fsr-3190	11	13	further	far	ADV
fsr-3190	11	14	heighten	heighten	VERB
fsr-3190	11	15	donation	donation	NOUN
fsr-3190	11	16	intentions	intention	NOUN
fsr-3190	11	17	,	,	PUNCT
fsr-3190	11	18	though	though	SCONJ
fsr-3190	11	19	this	this	DET
fsr-3190	11	20	effect	effect	NOUN
fsr-3190	11	21	wanes	wane	VERB
fsr-3190	11	22	after	after	SCONJ
fsr-3190	11	23	the	the	DET
fsr-3190	11	24	reminders	reminder	NOUN
fsr-3190	11	25	stop	stop	VERB
fsr-3190	11	26	.	.	PUNCT
fsr-3190	12	1	these	these	DET
fsr-3190	12	2	findings	finding	NOUN
fsr-3190	12	3	offer	offer	VERB
fsr-3190	12	4	valuable	valuable	ADJ
fsr-3190	12	5	insights	insight	NOUN
fsr-3190	12	6	for	for	ADP
fsr-3190	12	7	individuals	individual	NOUN
fsr-3190	12	8	and	and	CCONJ
fsr-3190	12	9	organizations	organization	NOUN
fsr-3190	12	10	seeking	seek	VERB
fsr-3190	12	11	to	to	PART
fsr-3190	12	12	optimize	optimize	VERB
fsr-3190	12	13	their	their	PRON
fsr-3190	12	14	philanthropic	philanthropic	NOUN
fsr-3190	12	15	efforts	effort	NOUN
fsr-3190	12	16	.	.	PUNCT
fsr-3190	13	1	moreover	moreover	ADV
fsr-3190	13	2	,	,	PUNCT
fsr-3190	13	3	melissa	melissa	PROPN
fsr-3190	13	4	j.	j.	PROPN
fsr-3190	13	5	wilmarth	wilmarth	PROPN
fsr-3190	13	6	,	,	PUNCT
fsr-3190	13	7	kyoung	kyoung	PROPN
fsr-3190	13	8	tae	tae	PROPN
fsr-3190	13	9	kim	kim	PROPN
fsr-3190	13	10	,	,	PUNCT
fsr-3190	13	11	and	and	CCONJ
fsr-3190	13	12	robin	robin	PROPN
fsr-3190	13	13	henager	henager	PROPN
fsr-3190	13	14	’s	’s	PART
fsr-3190	13	15	research	research	NOUN
fsr-3190	13	16	delves	delf	NOUN
fsr-3190	13	17	into	into	ADP
fsr-3190	13	18	the	the	DET
fsr-3190	13	19	financial	financial	ADJ
fsr-3190	13	20	behaviors	behavior	NOUN
fsr-3190	13	21	of	of	ADP
fsr-3190	13	22	military	military	ADJ
fsr-3190	13	23	and	and	CCONJ
fsr-3190	13	24	civilian	civilian	ADJ
fsr-3190	13	25	households	household	NOUN
fsr-3190	13	26	in	in	ADP
fsr-3190	13	27	the	the	DET
fsr-3190	13	28	united	united	PROPN
fsr-3190	13	29	states	states	PROPN
fsr-3190	13	30	.	.	PUNCT
fsr-3190	14	1	their	their	PRON
fsr-3190	14	2	study	study	NOUN
fsr-3190	14	3	investigates	investigate	VERB
fsr-3190	14	4	the	the	DET
fsr-3190	14	5	role	role	NOUN
fsr-3190	14	6	of	of	ADP
fsr-3190	14	7	financial	financial	ADJ
fsr-3190	14	8	knowledge	knowledge	NOUN
fsr-3190	14	9	and	and	CCONJ
fsr-3190	14	10	financial	financial	ADJ
fsr-3190	14	11	education	education	NOUN
fsr-3190	14	12	in	in	ADP
fsr-3190	14	13	shaping	shape	VERB
fsr-3190	14	14	shortterm	shortterm	NOUN
fsr-3190	14	15	and	and	CCONJ
fsr-3190	14	16	long	long	ADJ
fsr-3190	14	17	-	-	PUNCT
fsr-3190	14	18	term	term	NOUN
fsr-3190	14	19	financial	financial	ADJ
fsr-3190	14	20	behaviors	behavior	NOUN
fsr-3190	14	21	.	.	PUNCT
fsr-3190	15	1	the	the	DET
fsr-3190	15	2	results	result	NOUN
fsr-3190	15	3	highlight	highlight	VERB
fsr-3190	15	4	that	that	SCONJ
fsr-3190	15	5	military	military	ADJ
fsr-3190	15	6	households	household	NOUN
fsr-3190	15	7	display	display	VERB
fsr-3190	15	8	higher	high	ADJ
fsr-3190	15	9	financial	financial	ADJ
fsr-3190	15	10	knowledge	knowledge	NOUN
fsr-3190	15	11	scores	score	NOUN
fsr-3190	15	12	and	and	CCONJ
fsr-3190	15	13	are	be	AUX
fsr-3190	15	14	more	more	ADV
fsr-3190	15	15	likely	likely	ADJ
fsr-3190	15	16	to	to	PART
fsr-3190	15	17	receive	receive	VERB
fsr-3190	15	18	financial	financial	ADJ
fsr-3190	15	19	education	education	NOUN
fsr-3190	15	20	,	,	PUNCT
fsr-3190	15	21	which	which	PRON
fsr-3190	15	22	positively	positively	ADV
fsr-3190	15	23	correlates	correlate	VERB
fsr-3190	15	24	with	with	ADP
fsr-3190	15	25	higher	high	ADJ
fsr-3190	15	26	financial	financial	ADJ
fsr-3190	15	27	behaviors	behavior	NOUN
fsr-3190	15	28	.	.	PUNCT
fsr-3190	16	1	this	this	DET
fsr-3190	16	2	research	research	NOUN
fsr-3190	16	3	provides	provide	VERB
fsr-3190	16	4	valuable	valuable	ADJ
fsr-3190	16	5	insights	insight	NOUN
fsr-3190	16	6	for	for	ADP
fsr-3190	16	7	policymakers	policymaker	NOUN
fsr-3190	16	8	and	and	CCONJ
fsr-3190	16	9	financial	financial	ADJ
fsr-3190	16	10	practitioners	practitioner	NOUN
fsr-3190	16	11	aiming	aim	VERB
fsr-3190	16	12	to	to	PART
fsr-3190	16	13	enhance	enhance	VERB
fsr-3190	16	14	financial	financial	ADJ
fsr-3190	16	15	literacy	literacy	NOUN
fsr-3190	16	16	and	and	CCONJ
fsr-3190	16	17	behaviors	behavior	NOUN
fsr-3190	16	18	within	within	ADP
fsr-3190	16	19	military	military	ADJ
fsr-3190	16	20	and	and	CCONJ
fsr-3190	16	21	civilian	civilian	ADJ
fsr-3190	16	22	communities	community	NOUN
fsr-3190	16	23	.	.	PUNCT
fsr-3190	17	1	1057	1057	NUM
fsr-3190	17	2	-	-	SYM
fsr-3190	17	3	0810/23/$	0810/23/$	NUM
fsr-3190	17	4	–	–	PUNCT
fsr-3190	17	5	see	see	VERB
fsr-3190	17	6	front	front	ADJ
fsr-3190	17	7	matter	matter	NOUN
fsr-3190	17	8	©	©	PROPN
fsr-3190	17	9	2023	2023	NUM
fsr-3190	17	10	academy	academy	NOUN
fsr-3190	17	11	of	of	ADP
fsr-3190	17	12	financial	financial	ADJ
fsr-3190	17	13	services	service	NOUN
fsr-3190	17	14	.	.	PUNCT
fsr-3190	18	1	all	all	DET
fsr-3190	18	2	rights	right	NOUN
fsr-3190	18	3	reserved	reserve	VERB
fsr-3190	18	4	.	.	PUNCT
fsr-3190	19	1	financial	financial	ADJ
fsr-3190	19	2	services	service	NOUN
fsr-3190	19	3	review	review	VERB
fsr-3190	19	4	31	31	NUM
fsr-3190	19	5	(	(	PUNCT
fsr-3190	19	6	2023	2023	NUM
fsr-3190	19	7	)	)	PUNCT
fsr-3190	19	8	v	v	NOUN
fsr-3190	19	9	–	–	PUNCT
fsr-3190	19	10	vi	vi	VERB
fsr-3190	19	11	another	another	DET
fsr-3190	19	12	article	article	NOUN
fsr-3190	19	13	by	by	ADP
fsr-3190	19	14	tracey	tracey	PROPN
fsr-3190	19	15	west	west	PROPN
fsr-3190	19	16	,	,	PUNCT
fsr-3190	19	17	laura	laura	PROPN
fsr-3190	19	18	de	de	PROPN
fsr-3190	19	19	zwaan	zwaan	PROPN
fsr-3190	19	20	,	,	PUNCT
fsr-3190	19	21	and	and	CCONJ
fsr-3190	19	22	di	di	PROPN
fsr-3190	19	23	johnson	johnson	PROPN
fsr-3190	19	24	examines	examine	VERB
fsr-3190	19	25	the	the	DET
fsr-3190	19	26	gender	gender	NOUN
fsr-3190	19	27	bias	bias	NOUN
fsr-3190	19	28	in	in	ADP
fsr-3190	19	29	financial	financial	ADJ
fsr-3190	19	30	literacy	literacy	NOUN
fsr-3190	19	31	measurement	measurement	NOUN
fsr-3190	19	32	.	.	PUNCT
fsr-3190	20	1	the	the	DET
fsr-3190	20	2	study	study	NOUN
fsr-3190	20	3	investigates	investigate	VERB
fsr-3190	20	4	why	why	SCONJ
fsr-3190	20	5	women	woman	NOUN
fsr-3190	20	6	opt	opt	VERB
fsr-3190	20	7	for	for	ADP
fsr-3190	20	8	the	the	DET
fsr-3190	20	9	nonresponse	nonresponse	NOUN
fsr-3190	20	10	option	option	NOUN
fsr-3190	20	11	in	in	ADP
fsr-3190	20	12	financial	financial	ADJ
fsr-3190	20	13	literacy	literacy	NOUN
fsr-3190	20	14	questions	question	NOUN
fsr-3190	20	15	,	,	PUNCT
fsr-3190	20	16	and	and	CCONJ
fsr-3190	20	17	the	the	DET
fsr-3190	20	18	findings	finding	NOUN
fsr-3190	20	19	indicate	indicate	VERB
fsr-3190	20	20	that	that	SCONJ
fsr-3190	20	21	a	a	DET
fsr-3190	20	22	sustained	sustained	ADJ
fsr-3190	20	23	lack	lack	NOUN
fsr-3190	20	24	of	of	ADP
fsr-3190	20	25	confidence	confidence	NOUN
fsr-3190	20	26	in	in	ADP
fsr-3190	20	27	financial	financial	ADJ
fsr-3190	20	28	information	information	NOUN
fsr-3190	20	29	is	be	AUX
fsr-3190	20	30	a	a	DET
fsr-3190	20	31	significant	significant	ADJ
fsr-3190	20	32	factor	factor	NOUN
fsr-3190	20	33	.	.	PUNCT
fsr-3190	21	1	these	these	DET
fsr-3190	21	2	results	result	NOUN
fsr-3190	21	3	emphasize	emphasize	VERB
fsr-3190	21	4	the	the	DET
fsr-3190	21	5	importance	importance	NOUN
fsr-3190	21	6	of	of	ADP
fsr-3190	21	7	addressing	address	VERB
fsr-3190	21	8	gender	gender	NOUN
fsr-3190	21	9	bias	bias	NOUN
fsr-3190	21	10	in	in	ADP
fsr-3190	21	11	financial	financial	ADJ
fsr-3190	21	12	literacy	literacy	NOUN
fsr-3190	21	13	measurement	measurement	NOUN
fsr-3190	21	14	tools	tool	NOUN
fsr-3190	21	15	and	and	CCONJ
fsr-3190	21	16	advocate	advocate	VERB
fsr-3190	21	17	for	for	ADP
fsr-3190	21	18	targeted	target	VERB
fsr-3190	21	19	policies	policy	NOUN
fsr-3190	21	20	and	and	CCONJ
fsr-3190	21	21	resources	resource	NOUN
fsr-3190	21	22	to	to	PART
fsr-3190	21	23	bridge	bridge	VERB
fsr-3190	21	24	the	the	DET
fsr-3190	21	25	gender	gender	NOUN
fsr-3190	21	26	gap	gap	NOUN
fsr-3190	21	27	in	in	ADP
fsr-3190	21	28	financial	financial	ADJ
fsr-3190	21	29	literacy	literacy	NOUN
fsr-3190	21	30	and	and	CCONJ
fsr-3190	21	31	ability	ability	NOUN
fsr-3190	21	32	.	.	PUNCT
fsr-3190	22	1	lastly	lastly	ADV
fsr-3190	22	2	,	,	PUNCT
fsr-3190	22	3	barry	barry	PROPN
fsr-3190	22	4	s.	s.	PROPN
fsr-3190	22	5	mulholland	mulholland	PROPN
fsr-3190	22	6	and	and	CCONJ
fsr-3190	22	7	michael	michael	PROPN
fsr-3190	22	8	s.	s.	PROPN
fsr-3190	22	9	finke	finke	PROPN
fsr-3190	22	10	contribute	contribute	VERB
fsr-3190	22	11	to	to	ADP
fsr-3190	22	12	this	this	DET
fsr-3190	22	13	issue	issue	NOUN
fsr-3190	22	14	with	with	ADP
fsr-3190	22	15	their	their	PRON
fsr-3190	22	16	research	research	NOUN
fsr-3190	22	17	on	on	ADP
fsr-3190	22	18	the	the	DET
fsr-3190	22	19	impact	impact	NOUN
fsr-3190	22	20	of	of	ADP
fsr-3190	22	21	cognitive	cognitive	ADJ
fsr-3190	22	22	ability	ability	NOUN
fsr-3190	22	23	on	on	ADP
fsr-3190	22	24	life	life	NOUN
fsr-3190	22	25	insurance	insurance	NOUN
fsr-3190	22	26	lapsation	lapsation	NOUN
fsr-3190	22	27	.	.	PUNCT
fsr-3190	23	1	the	the	DET
fsr-3190	23	2	study	study	NOUN
fsr-3190	23	3	introduces	introduce	VERB
fsr-3190	23	4	individual	individual	ADJ
fsr-3190	23	5	cognitive	cognitive	ADJ
fsr-3190	23	6	ability	ability	NOUN
fsr-3190	23	7	variables	variable	NOUN
fsr-3190	23	8	to	to	PART
fsr-3190	23	9	model	model	VERB
fsr-3190	23	10	the	the	DET
fsr-3190	23	11	voluntary	voluntary	ADJ
fsr-3190	23	12	lapse	lapse	NOUN
fsr-3190	23	13	decision	decision	NOUN
fsr-3190	23	14	by	by	ADP
fsr-3190	23	15	policyholders	policyholder	NOUN
fsr-3190	23	16	.	.	PUNCT
fsr-3190	24	1	the	the	DET
fsr-3190	24	2	findings	finding	NOUN
fsr-3190	24	3	suggest	suggest	VERB
fsr-3190	24	4	that	that	SCONJ
fsr-3190	24	5	numeracy	numeracy	NOUN
fsr-3190	24	6	,	,	PUNCT
fsr-3190	24	7	as	as	ADP
fsr-3190	24	8	a	a	DET
fsr-3190	24	9	measure	measure	NOUN
fsr-3190	24	10	of	of	ADP
fsr-3190	24	11	cognitive	cognitive	ADJ
fsr-3190	24	12	ability	ability	NOUN
fsr-3190	24	13	,	,	PUNCT
fsr-3190	24	14	plays	play	VERB
fsr-3190	24	15	a	a	DET
fsr-3190	24	16	role	role	NOUN
fsr-3190	24	17	in	in	ADP
fsr-3190	24	18	the	the	DET
fsr-3190	24	19	voluntary	voluntary	ADJ
fsr-3190	24	20	lapse	lapse	NOUN
fsr-3190	24	21	decision	decision	NOUN
fsr-3190	24	22	.	.	PUNCT
fsr-3190	25	1	additionally	additionally	ADV
fsr-3190	25	2	,	,	PUNCT
fsr-3190	25	3	individuals	individual	NOUN
fsr-3190	25	4	witdh	witdh	PROPN
fsr-3190	25	5	higher	high	ADJ
fsr-3190	25	6	levels	level	NOUN
fsr-3190	25	7	of	of	ADP
fsr-3190	25	8	net	net	ADJ
fsr-3190	25	9	worth	worth	NOUN
fsr-3190	25	10	are	be	AUX
fsr-3190	25	11	less	less	ADV
fsr-3190	25	12	likely	likely	ADJ
fsr-3190	25	13	to	to	PART
fsr-3190	25	14	voluntarily	voluntarily	ADV
fsr-3190	25	15	lapse	lapse	VERB
fsr-3190	25	16	a	a	DET
fsr-3190	25	17	policy	policy	NOUN
fsr-3190	25	18	,	,	PUNCT
fsr-3190	25	19	consistent	consistent	ADJ
fsr-3190	25	20	with	with	ADP
fsr-3190	25	21	the	the	DET
fsr-3190	25	22	emergency	emergency	NOUN
fsr-3190	25	23	fund	fund	NOUN
fsr-3190	25	24	hypothesis	hypothesis	NOUN
fsr-3190	25	25	.	.	PUNCT
fsr-3190	26	1	the	the	DET
fsr-3190	26	2	article	article	NOUN
fsr-3190	26	3	also	also	ADV
fsr-3190	26	4	introduces	introduce	VERB
fsr-3190	26	5	a	a	DET
fsr-3190	26	6	new	new	ADJ
fsr-3190	26	7	measure	measure	NOUN
fsr-3190	26	8	,	,	PUNCT
fsr-3190	26	9	“	"	PUNCT
fsr-3190	26	10	kids	kid	NOUN
fsr-3190	26	11	moving	move	VERB
fsr-3190	26	12	home	home	ADV
fsr-3190	26	13	,	,	PUNCT
fsr-3190	26	14	”	"	PUNCT
fsr-3190	26	15	which	which	PRON
fsr-3190	26	16	exhibits	exhibit	VERB
fsr-3190	26	17	a	a	DET
fsr-3190	26	18	strong	strong	ADJ
fsr-3190	26	19	positive	positive	ADJ
fsr-3190	26	20	relationship	relationship	NOUN
fsr-3190	26	21	with	with	ADP
fsr-3190	26	22	the	the	DET
fsr-3190	26	23	decision	decision	NOUN
fsr-3190	26	24	to	to	PART
fsr-3190	26	25	lapse	lapse	VERB
fsr-3190	26	26	a	a	DET
fsr-3190	26	27	policy	policy	NOUN
fsr-3190	26	28	voluntarily	voluntarily	ADV
fsr-3190	26	29	.	.	PUNCT
fsr-3190	27	1	the	the	DET
fsr-3190	27	2	research	research	NOUN
fsr-3190	27	3	aligns	align	VERB
fsr-3190	27	4	with	with	ADP
fsr-3190	27	5	life	life	NOUN
fsr-3190	27	6	insurance	insurance	NOUN
fsr-3190	27	7	demand	demand	NOUN
fsr-3190	27	8	theory	theory	NOUN
fsr-3190	27	9	,	,	PUNCT
fsr-3190	27	10	indicating	indicate	VERB
fsr-3190	27	11	that	that	SCONJ
fsr-3190	27	12	those	those	PRON
fsr-3190	27	13	who	who	PRON
fsr-3190	27	14	recently	recently	ADV
fsr-3190	27	15	entered	enter	VERB
fsr-3190	27	16	retirement	retirement	NOUN
fsr-3190	27	17	are	be	AUX
fsr-3190	27	18	more	more	ADV
fsr-3190	27	19	likely	likely	ADJ
fsr-3190	27	20	to	to	PART
fsr-3190	27	21	lapse	lapse	VERB
fsr-3190	27	22	their	their	PRON
fsr-3190	27	23	policies	policy	NOUN
fsr-3190	27	24	.	.	PUNCT
fsr-3190	28	1	in	in	ADP
fsr-3190	28	2	conclusion	conclusion	NOUN
fsr-3190	28	3	,	,	PUNCT
fsr-3190	28	4	the	the	DET
fsr-3190	28	5	articles	article	NOUN
fsr-3190	28	6	featured	feature	VERB
fsr-3190	28	7	in	in	ADP
fsr-3190	28	8	this	this	DET
fsr-3190	28	9	issue	issue	NOUN
fsr-3190	28	10	of	of	ADP
fsr-3190	28	11	the	the	DET
fsr-3190	28	12	financial	financial	ADJ
fsr-3190	28	13	services	service	NOUN
fsr-3190	28	14	review	review	NOUN
fsr-3190	28	15	offer	offer	VERB
fsr-3190	28	16	valuable	valuable	ADJ
fsr-3190	28	17	contributions	contribution	NOUN
fsr-3190	28	18	to	to	ADP
fsr-3190	28	19	the	the	DET
fsr-3190	28	20	understanding	understanding	NOUN
fsr-3190	28	21	of	of	ADP
fsr-3190	28	22	various	various	ADJ
fsr-3190	28	23	financial	financial	ADJ
fsr-3190	28	24	phenomena	phenomenon	NOUN
fsr-3190	28	25	,	,	PUNCT
fsr-3190	28	26	providing	provide	VERB
fsr-3190	28	27	crucial	crucial	ADJ
fsr-3190	28	28	insights	insight	NOUN
fsr-3190	28	29	for	for	ADP
fsr-3190	28	30	policymakers	policymaker	NOUN
fsr-3190	28	31	,	,	PUNCT
fsr-3190	28	32	practitioners	practitioner	NOUN
fsr-3190	28	33	,	,	PUNCT
fsr-3190	28	34	and	and	CCONJ
fsr-3190	28	35	researchers	researcher	NOUN
fsr-3190	28	36	in	in	ADP
fsr-3190	28	37	the	the	DET
fsr-3190	28	38	field	field	NOUN
fsr-3190	28	39	of	of	ADP
fsr-3190	28	40	finance	finance	NOUN
fsr-3190	28	41	.	.	PUNCT
fsr-3190	29	1	i	i	PRON
fsr-3190	29	2	extend	extend	VERB
fsr-3190	29	3	my	my	PRON
fsr-3190	29	4	heartfelt	heartfelt	ADJ
fsr-3190	29	5	appreciation	appreciation	NOUN
fsr-3190	29	6	to	to	ADP
fsr-3190	29	7	all	all	DET
fsr-3190	29	8	the	the	DET
fsr-3190	29	9	authors	author	NOUN
fsr-3190	29	10	,	,	PUNCT
fsr-3190	29	11	reviewers	reviewer	NOUN
fsr-3190	29	12	,	,	PUNCT
fsr-3190	29	13	and	and	CCONJ
fsr-3190	29	14	editorial	editorial	ADJ
fsr-3190	29	15	team	team	NOUN
fsr-3190	29	16	members	member	NOUN
fsr-3190	29	17	for	for	ADP
fsr-3190	29	18	their	their	PRON
fsr-3190	29	19	dedication	dedication	NOUN
fsr-3190	29	20	and	and	CCONJ
fsr-3190	29	21	commitment	commitment	NOUN
fsr-3190	29	22	to	to	ADP
fsr-3190	29	23	academic	academic	ADJ
fsr-3190	29	24	excellence	excellence	NOUN
fsr-3190	29	25	.	.	PUNCT
fsr-3190	30	1	happy	happy	ADJ
fsr-3190	30	2	reading	reading	NOUN
fsr-3190	30	3	and	and	CCONJ
fsr-3190	30	4	engaging	engage	VERB
fsr-3190	30	5	discussions	discussion	NOUN
fsr-3190	30	6	!	!	PUNCT
fsr-3190	31	1	sincerely	sincerely	ADV
fsr-3190	31	2	,	,	PUNCT
fsr-3190	31	3	terrance	terrance	PROPN
fsr-3190	31	4	k.	k.	PROPN
fsr-3190	31	5	martin	martin	PROPN
fsr-3190	31	6	jr	jr	PROPN
fsr-3190	31	7	.	.	PROPN
fsr-3190	31	8	editor	editor	PROPN
fsr-3190	31	9	,	,	PUNCT
fsr-3190	31	10	financial	financial	ADJ
fsr-3190	31	11	services	service	NOUN
fsr-3190	31	12	review	review	VERB
fsr-3190	31	13	1057	1057	NUM
fsr-3190	31	14	-	-	SYM
fsr-3190	31	15	0810/23/$	0810/23/$	NUM
fsr-3190	31	16	–	–	PUNCT
fsr-3190	31	17	see	see	VERB
fsr-3190	31	18	front	front	ADJ
fsr-3190	31	19	matter	matter	NOUN
fsr-3190	31	20	©	©	PROPN
fsr-3190	31	21	2023	2023	NUM
fsr-3190	31	22	academy	academy	NOUN
fsr-3190	31	23	of	of	ADP
fsr-3190	31	24	financial	financial	ADJ
fsr-3190	31	25	services	service	NOUN
fsr-3190	31	26	.	.	PUNCT
fsr-3190	32	1	all	all	DET
fsr-3190	32	2	rights	right	NOUN
fsr-3190	32	3	reserved	reserve	VERB
fsr-3190	32	4	.	.	PUNCT
fsr-3190	33	1	vi	vi	PROPN
fsr-3190	33	2	t.	t.	PROPN
fsr-3190	33	3	k.	k.	PROPN
fsr-3190	33	4	martin	martin	PROPN
fsr-3190	33	5	/	/	SYM
fsr-3190	33	6	financial	financial	ADJ
fsr-3190	33	7	services	service	NOUN
fsr-3190	33	8	review	review	VERB
fsr-3190	33	9	31	31	NUM
fsr-3190	33	10	(	(	PUNCT
fsr-3190	33	11	2023	2023	NUM
fsr-3190	33	12	)	)	PUNCT
fsr-3190	33	13	v	v	NOUN
fsr-3190	33	14	–	–	PUNCT
fsr-3190	33	15	vi	vi	NOUN