id	sid	tid	token	lemma	pos
fsr-3196	1	1	cognitive	cognitive	ADJ
fsr-3196	1	2	ability	ability	NOUN
fsr-3196	1	3	impact	impact	NOUN
fsr-3196	1	4	on	on	ADP
fsr-3196	1	5	life	life	NOUN
fsr-3196	1	6	insurance	insurance	NOUN
fsr-3196	1	7	lapsation	lapsation	PROPN
fsr-3196	1	8	barry	barry	PROPN
fsr-3196	1	9	s.	s.	PROPN
fsr-3196	1	10	mulhollanda	mulhollanda	PROPN
fsr-3196	1	11	,	,	PUNCT
fsr-3196	1	12	*	*	PROPN
fsr-3196	1	13	,	,	PUNCT
fsr-3196	1	14	michael	michael	PROPN
fsr-3196	1	15	s.	s.	PROPN
fsr-3196	1	16	finkeb	finkeb	VERB
fsr-3196	1	17	adepartment	adepartment	NOUN
fsr-3196	1	18	of	of	ADP
fsr-3196	1	19	finance	finance	NOUN
fsr-3196	1	20	,	,	PUNCT
fsr-3196	1	21	university	university	PROPN
fsr-3196	1	22	of	of	ADP
fsr-3196	1	23	akron	akron	PROPN
fsr-3196	1	24	,	,	PUNCT
fsr-3196	1	25	259	259	NUM
fsr-3196	1	26	south	south	PROPN
fsr-3196	1	27	broadway	broadway	PROPN
fsr-3196	1	28	street	street	PROPN
fsr-3196	1	29	,	,	PUNCT
fsr-3196	1	30	akron	akron	PROPN
fsr-3196	1	31	,	,	PUNCT
fsr-3196	1	32	oh	oh	INTJ
fsr-3196	1	33	44325	44325	NUM
fsr-3196	1	34	-	-	SYM
fsr-3196	1	35	4803	4803	NUM
fsr-3196	1	36	,	,	PUNCT
fsr-3196	1	37	usa	usa	PROPN
fsr-3196	1	38	bdepartment	bdepartment	NOUN
fsr-3196	1	39	of	of	ADP
fsr-3196	1	40	wealth	wealth	NOUN
fsr-3196	1	41	management	management	NOUN
fsr-3196	1	42	,	,	PUNCT
fsr-3196	1	43	the	the	DET
fsr-3196	1	44	american	american	PROPN
fsr-3196	1	45	college	college	PROPN
fsr-3196	1	46	of	of	ADP
fsr-3196	1	47	financial	financial	ADJ
fsr-3196	1	48	planning	planning	NOUN
fsr-3196	1	49	,	,	PUNCT
fsr-3196	1	50	630	630	NUM
fsr-3196	1	51	allendale	allendale	PROPN
fsr-3196	1	52	road	road	NOUN
fsr-3196	1	53	,	,	PUNCT
fsr-3196	1	54	king	king	NOUN
fsr-3196	1	55	of	of	ADP
fsr-3196	1	56	prussia	prussia	PROPN
fsr-3196	1	57	,	,	PUNCT
fsr-3196	1	58	pa	pa	PROPN
fsr-3196	1	59	19406	19406	NUM
fsr-3196	1	60	,	,	PUNCT
fsr-3196	1	61	usa	usa	PROPN
fsr-3196	1	62	abstract	abstract	ADJ
fsr-3196	1	63	life	life	NOUN
fsr-3196	1	64	insurance	insurance	NOUN
fsr-3196	1	65	is	be	AUX
fsr-3196	1	66	an	an	DET
fsr-3196	1	67	important	important	ADJ
fsr-3196	1	68	household	household	NOUN
fsr-3196	1	69	risk	risk	NOUN
fsr-3196	1	70	management	management	NOUN
fsr-3196	1	71	and	and	CCONJ
fsr-3196	1	72	financial	financial	ADJ
fsr-3196	1	73	tool	tool	NOUN
fsr-3196	1	74	.	.	PUNCT
fsr-3196	2	1	policy	policy	NOUN
fsr-3196	2	2	lapsation	lapsation	NOUN
fsr-3196	2	3	has	have	VERB
fsr-3196	2	4	economic	economic	ADJ
fsr-3196	2	5	effects	effect	NOUN
fsr-3196	2	6	on	on	ADP
fsr-3196	2	7	life	life	NOUN
fsr-3196	2	8	insurance	insurance	NOUN
fsr-3196	2	9	companies	company	NOUN
fsr-3196	2	10	,	,	PUNCT
fsr-3196	2	11	policyholders	policyholder	NOUN
fsr-3196	2	12	,	,	PUNCT
fsr-3196	2	13	and	and	CCONJ
fsr-3196	2	14	beneficiaries	beneficiary	NOUN
fsr-3196	2	15	that	that	PRON
fsr-3196	2	16	may	may	AUX
fsr-3196	2	17	be	be	AUX
fsr-3196	2	18	detrimental	detrimental	ADJ
fsr-3196	2	19	when	when	SCONJ
fsr-3196	2	20	these	these	DET
fsr-3196	2	21	lapses	lapse	NOUN
fsr-3196	2	22	are	be	AUX
fsr-3196	2	23	unexpected	unexpected	ADJ
fsr-3196	2	24	.	.	PUNCT
fsr-3196	3	1	prior	prior	ADJ
fsr-3196	3	2	literature	literature	NOUN
fsr-3196	3	3	examined	examine	VERB
fsr-3196	3	4	several	several	ADJ
fsr-3196	3	5	hypotheses	hypothesis	NOUN
fsr-3196	3	6	of	of	ADP
fsr-3196	3	7	life	life	NOUN
fsr-3196	3	8	insurance	insurance	NOUN
fsr-3196	3	9	lapse	lapse	NOUN
fsr-3196	3	10	focusing	focus	VERB
fsr-3196	3	11	mainly	mainly	ADV
fsr-3196	3	12	on	on	ADP
fsr-3196	3	13	macroeconomic	macroeconomic	ADJ
fsr-3196	3	14	factors	factor	NOUN
fsr-3196	3	15	using	use	VERB
fsr-3196	3	16	aggregate	aggregate	ADJ
fsr-3196	3	17	data	datum	NOUN
fsr-3196	3	18	and	and	CCONJ
fsr-3196	3	19	household	household	NOUN
fsr-3196	3	20	microeconomic	microeconomic	ADJ
fsr-3196	3	21	factors	factor	NOUN
fsr-3196	3	22	using	use	VERB
fsr-3196	3	23	household	household	NOUN
fsr-3196	3	24	-	-	PUNCT
fsr-3196	3	25	level	level	NOUN
fsr-3196	3	26	data	datum	NOUN
fsr-3196	3	27	.	.	PUNCT
fsr-3196	4	1	we	we	PRON
fsr-3196	4	2	introduce	introduce	VERB
fsr-3196	4	3	and	and	CCONJ
fsr-3196	4	4	test	test	VERB
fsr-3196	4	5	individual	individual	ADJ
fsr-3196	4	6	cognitive	cognitive	ADJ
fsr-3196	4	7	ability	ability	NOUN
fsr-3196	4	8	variables	variable	NOUN
fsr-3196	4	9	in	in	ADP
fsr-3196	4	10	a	a	DET
fsr-3196	4	11	model	model	NOUN
fsr-3196	4	12	of	of	ADP
fsr-3196	4	13	the	the	DET
fsr-3196	4	14	life	life	NOUN
fsr-3196	4	15	insurance	insurance	NOUN
fsr-3196	4	16	voluntary	voluntary	ADJ
fsr-3196	4	17	lapse	lapse	NOUN
fsr-3196	4	18	decision	decision	NOUN
fsr-3196	4	19	by	by	ADP
fsr-3196	4	20	individual	individual	ADJ
fsr-3196	4	21	policyholders	policyholder	NOUN
fsr-3196	4	22	using	use	VERB
fsr-3196	4	23	household	household	NOUN
fsr-3196	4	24	-	-	PUNCT
fsr-3196	4	25	level	level	NOUN
fsr-3196	4	26	data	datum	NOUN
fsr-3196	4	27	from	from	ADP
fsr-3196	4	28	the	the	DET
fsr-3196	4	29	health	health	NOUN
fsr-3196	4	30	and	and	CCONJ
fsr-3196	4	31	retirement	retirement	NOUN
fsr-3196	4	32	study	study	NOUN
fsr-3196	4	33	.	.	PUNCT
fsr-3196	5	1	we	we	PRON
fsr-3196	5	2	find	find	VERB
fsr-3196	5	3	that	that	SCONJ
fsr-3196	5	4	one	one	NUM
fsr-3196	5	5	measure	measure	NOUN
fsr-3196	5	6	of	of	ADP
fsr-3196	5	7	cognitive	cognitive	ADJ
fsr-3196	5	8	ability	ability	NOUN
fsr-3196	5	9	,	,	PUNCT
fsr-3196	5	10	in	in	ADP
fsr-3196	5	11	particular	particular	ADJ
fsr-3196	5	12	,	,	PUNCT
fsr-3196	5	13	numeracy	numeracy	NOUN
fsr-3196	5	14	,	,	PUNCT
fsr-3196	5	15	is	be	AUX
fsr-3196	5	16	related	relate	VERB
fsr-3196	5	17	to	to	ADP
fsr-3196	5	18	the	the	DET
fsr-3196	5	19	voluntary	voluntary	ADJ
fsr-3196	5	20	lapse	lapse	NOUN
fsr-3196	5	21	decision	decision	NOUN
fsr-3196	5	22	.	.	PUNCT
fsr-3196	6	1	while	while	SCONJ
fsr-3196	6	2	controlling	control	VERB
fsr-3196	6	3	for	for	ADP
fsr-3196	6	4	numeracy	numeracy	NOUN
fsr-3196	6	5	,	,	PUNCT
fsr-3196	6	6	we	we	PRON
fsr-3196	6	7	find	find	VERB
fsr-3196	6	8	evidence	evidence	NOUN
fsr-3196	6	9	that	that	SCONJ
fsr-3196	6	10	those	those	DET
fsr-3196	6	11	individuals	individual	NOUN
fsr-3196	6	12	with	with	ADP
fsr-3196	6	13	higher	high	ADJ
fsr-3196	6	14	levels	level	NOUN
fsr-3196	6	15	of	of	ADP
fsr-3196	6	16	net	net	ADJ
fsr-3196	6	17	worth	worth	NOUN
fsr-3196	6	18	are	be	AUX
fsr-3196	6	19	less	less	ADV
fsr-3196	6	20	likely	likely	ADJ
fsr-3196	6	21	to	to	PART
fsr-3196	6	22	voluntarily	voluntarily	ADV
fsr-3196	6	23	lapse	lapse	VERB
fsr-3196	6	24	a	a	DET
fsr-3196	6	25	policy	policy	NOUN
fsr-3196	6	26	which	which	PRON
fsr-3196	6	27	is	be	AUX
fsr-3196	6	28	consistent	consistent	ADJ
fsr-3196	6	29	with	with	ADP
fsr-3196	6	30	the	the	DET
fsr-3196	6	31	emergency	emergency	NOUN
fsr-3196	6	32	fund	fund	NOUN
fsr-3196	6	33	hypothesis	hypothesis	NOUN
fsr-3196	6	34	.	.	PUNCT
fsr-3196	7	1	we	we	PRON
fsr-3196	7	2	introduce	introduce	VERB
fsr-3196	7	3	a	a	DET
fsr-3196	7	4	new	new	ADJ
fsr-3196	7	5	measure	measure	NOUN
fsr-3196	7	6	of	of	ADP
fsr-3196	7	7	liquidity	liquidity	NOUN
fsr-3196	7	8	shock	shock	NOUN
fsr-3196	7	9	,	,	PUNCT
fsr-3196	7	10	kids	kid	NOUN
fsr-3196	7	11	moving	move	VERB
fsr-3196	7	12	home	home	ADV
fsr-3196	7	13	,	,	PUNCT
fsr-3196	7	14	into	into	ADP
fsr-3196	7	15	the	the	DET
fsr-3196	7	16	model	model	NOUN
fsr-3196	7	17	and	and	CCONJ
fsr-3196	7	18	find	find	VERB
fsr-3196	7	19	it	it	PRON
fsr-3196	7	20	has	have	VERB
fsr-3196	7	21	a	a	DET
fsr-3196	7	22	strong	strong	ADJ
fsr-3196	7	23	positive	positive	ADJ
fsr-3196	7	24	relationship	relationship	NOUN
fsr-3196	7	25	with	with	ADP
fsr-3196	7	26	the	the	DET
fsr-3196	7	27	decision	decision	NOUN
fsr-3196	7	28	to	to	PART
fsr-3196	7	29	voluntarily	voluntarily	ADV
fsr-3196	7	30	lapse	lapse	VERB
fsr-3196	7	31	a	a	DET
fsr-3196	7	32	policy	policy	NOUN
fsr-3196	7	33	.	.	PUNCT
fsr-3196	8	1	consistent	consistent	ADJ
fsr-3196	8	2	with	with	ADP
fsr-3196	8	3	life	life	NOUN
fsr-3196	8	4	insurance	insurance	NOUN
fsr-3196	8	5	demand	demand	NOUN
fsr-3196	8	6	theory	theory	NOUN
fsr-3196	8	7	,	,	PUNCT
fsr-3196	8	8	we	we	PRON
fsr-3196	8	9	find	find	VERB
fsr-3196	8	10	that	that	SCONJ
fsr-3196	8	11	those	those	PRON
fsr-3196	8	12	who	who	PRON
fsr-3196	8	13	have	have	AUX
fsr-3196	8	14	recently	recently	ADV
fsr-3196	8	15	entered	enter	VERB
fsr-3196	8	16	retirement	retirement	NOUN
fsr-3196	8	17	are	be	AUX
fsr-3196	8	18	more	more	ADV
fsr-3196	8	19	likely	likely	ADJ
fsr-3196	8	20	to	to	PART
fsr-3196	8	21	lapse	lapse	VERB
fsr-3196	8	22	their	their	PRON
fsr-3196	8	23	policy	policy	NOUN
fsr-3196	8	24	.	.	PUNCT
fsr-3196	9	1	©	©	PROPN
fsr-3196	9	2	2023	2023	NUM
fsr-3196	9	3	academy	academy	NOUN
fsr-3196	9	4	of	of	ADP
fsr-3196	9	5	financial	financial	ADJ
fsr-3196	9	6	services	service	NOUN
fsr-3196	9	7	.	.	PUNCT
fsr-3196	10	1	all	all	DET
fsr-3196	10	2	rights	right	NOUN
fsr-3196	10	3	reserved	reserve	VERB
fsr-3196	10	4	.	.	PUNCT
fsr-3196	11	1	keywords	keyword	NOUN
fsr-3196	11	2	:	:	PUNCT
fsr-3196	11	3	health	health	NOUN
fsr-3196	11	4	and	and	CCONJ
fsr-3196	11	5	retirement	retirement	NOUN
fsr-3196	11	6	study	study	NOUN
fsr-3196	11	7	;	;	PUNCT
fsr-3196	11	8	life	life	NOUN
fsr-3196	11	9	insurance	insurance	NOUN
fsr-3196	11	10	;	;	PUNCT
fsr-3196	11	11	cognitive	cognitive	ADJ
fsr-3196	11	12	ability	ability	NOUN
fsr-3196	11	13	;	;	PUNCT
fsr-3196	11	14	lapsation	lapsation	NOUN
fsr-3196	11	15	1	1	NUM
fsr-3196	11	16	.	.	PUNCT
fsr-3196	12	1	introduction	introduction	NOUN
fsr-3196	12	2	permanent	permanent	ADJ
fsr-3196	12	3	life	life	NOUN
fsr-3196	12	4	insurance	insurance	NOUN
fsr-3196	12	5	is	be	AUX
fsr-3196	12	6	an	an	DET
fsr-3196	12	7	important	important	ADJ
fsr-3196	12	8	household	household	NOUN
fsr-3196	12	9	risk	risk	NOUN
fsr-3196	12	10	management	management	NOUN
fsr-3196	12	11	and	and	CCONJ
fsr-3196	12	12	financial	financial	ADJ
fsr-3196	12	13	tool	tool	NOUN
fsr-3196	12	14	that	that	PRON
fsr-3196	12	15	generally	generally	ADV
fsr-3196	12	16	requires	require	VERB
fsr-3196	12	17	an	an	DET
fsr-3196	12	18	ongoing	ongoing	ADJ
fsr-3196	12	19	premium	premium	NOUN
fsr-3196	12	20	payment	payment	NOUN
fsr-3196	12	21	to	to	PART
fsr-3196	12	22	remain	remain	VERB
fsr-3196	12	23	in	in	ADP
fsr-3196	12	24	force	force	NOUN
fsr-3196	12	25	.	.	PUNCT
fsr-3196	13	1	life	life	NOUN
fsr-3196	13	2	insurance	insurance	NOUN
fsr-3196	13	3	acts	act	VERB
fsr-3196	13	4	as	as	ADP
fsr-3196	13	5	a	a	DET
fsr-3196	13	6	hedge	hedge	NOUN
fsr-3196	13	7	against	against	ADP
fsr-3196	13	8	the	the	DET
fsr-3196	13	9	uncertainty	uncertainty	NOUN
fsr-3196	13	10	of	of	ADP
fsr-3196	13	11	the	the	DET
fsr-3196	13	12	labor	labor	NOUN
fsr-3196	13	13	income	income	NOUN
fsr-3196	13	14	flows	flow	NOUN
fsr-3196	13	15	of	of	ADP
fsr-3196	13	16	household	household	NOUN
fsr-3196	13	17	members	member	NOUN
fsr-3196	13	18	*	*	PUNCT
fsr-3196	13	19	corresponding	correspond	VERB
fsr-3196	13	20	author	author	NOUN
fsr-3196	13	21	:	:	PUNCT
fsr-3196	13	22	tel	tel	PROPN
fsr-3196	13	23	.	.	PUNCT
fsr-3196	13	24	:	:	PUNCT
fsr-3196	14	1	+1	+1	ADJ
fsr-3196	14	2	-	-	PUNCT
fsr-3196	14	3	330	330	NUM
fsr-3196	14	4	-	-	NUM
fsr-3196	14	5	972	972	NUM
fsr-3196	14	6	-	-	PUNCT
fsr-3196	14	7	4524	4524	NUM
fsr-3196	14	8	,	,	PUNCT
fsr-3196	14	9	fax	fax	NOUN
fsr-3196	14	10	:	:	PUNCT
fsr-3196	14	11	+1	+1	PROPN
fsr-3196	14	12	-	-	PUNCT
fsr-3196	14	13	330	330	NUM
fsr-3196	14	14	-	-	NUM
fsr-3196	14	15	972	972	NUM
fsr-3196	14	16	-	-	SYM
fsr-3196	14	17	5970	5970	NUM
fsr-3196	14	18	.	.	PUNCT
fsr-3196	15	1	e	e	X
fsr-3196	15	2	-	-	NOUN
fsr-3196	15	3	mail	mail	NOUN
fsr-3196	15	4	address	address	NOUN
fsr-3196	15	5	:	:	PUNCT
fsr-3196	15	6	bmulholland@uakron.edu	bmulholland@uakron.edu	PROPN
fsr-3196	15	7	1057	1057	NUM
fsr-3196	15	8	-	-	SYM
fsr-3196	15	9	0810/23/$	0810/23/$	NUM
fsr-3196	15	10	–	–	PUNCT
fsr-3196	15	11	see	see	VERB
fsr-3196	15	12	front	front	ADJ
fsr-3196	15	13	matter	matter	NOUN
fsr-3196	15	14	©	©	PROPN
fsr-3196	15	15	2023	2023	NUM
fsr-3196	15	16	academy	academy	NOUN
fsr-3196	15	17	of	of	ADP
fsr-3196	15	18	financial	financial	ADJ
fsr-3196	15	19	services	service	NOUN
fsr-3196	15	20	.	.	PUNCT
fsr-3196	16	1	all	all	DET
fsr-3196	16	2	rights	right	NOUN
fsr-3196	16	3	reserved	reserve	VERB
fsr-3196	16	4	.	.	PUNCT
fsr-3196	17	1	financial	financial	ADJ
fsr-3196	17	2	services	service	NOUN
fsr-3196	17	3	review	review	VERB
fsr-3196	17	4	31	31	NUM
fsr-3196	17	5	(	(	PUNCT
fsr-3196	17	6	2023	2023	NUM
fsr-3196	17	7	)	)	PUNCT
fsr-3196	17	8	73–96	73–96	NUM
fsr-3196	17	9	(	(	PUNCT
fsr-3196	17	10	campbell	campbell	PROPN
fsr-3196	17	11	1980	1980	NUM
fsr-3196	17	12	;	;	PUNCT
fsr-3196	17	13	fischer	fischer	PROPN
fsr-3196	17	14	,	,	PUNCT
fsr-3196	17	15	1973	1973	NUM
fsr-3196	17	16	;	;	PUNCT
fsr-3196	17	17	yaari	yaari	PROPN
fsr-3196	17	18	,	,	PUNCT
fsr-3196	17	19	1965	1965	NUM
fsr-3196	17	20	)	)	PUNCT
fsr-3196	17	21	,	,	PUNCT
fsr-3196	17	22	it	it	PRON
fsr-3196	17	23	helps	help	VERB
fsr-3196	17	24	beneficiaries	beneficiary	NOUN
fsr-3196	17	25	meet	meet	VERB
fsr-3196	17	26	their	their	PRON
fsr-3196	17	27	need	need	NOUN
fsr-3196	17	28	for	for	ADP
fsr-3196	17	29	smoothing	smooth	VERB
fsr-3196	17	30	consumption	consumption	NOUN
fsr-3196	17	31	over	over	ADP
fsr-3196	17	32	the	the	DET
fsr-3196	17	33	life	life	NOUN
fsr-3196	17	34	cycle	cycle	NOUN
fsr-3196	17	35	(	(	PUNCT
fsr-3196	17	36	lewis	lewis	PROPN
fsr-3196	17	37	,	,	PUNCT
fsr-3196	17	38	1989	1989	NUM
fsr-3196	17	39	)	)	PUNCT
fsr-3196	17	40	,	,	PUNCT
fsr-3196	17	41	and	and	CCONJ
fsr-3196	17	42	it	it	PRON
fsr-3196	17	43	helps	help	VERB
fsr-3196	17	44	policyholders	policyholder	NOUN
fsr-3196	17	45	meet	meet	VERB
fsr-3196	17	46	their	their	PRON
fsr-3196	17	47	bequest	bequ	ADJ
fsr-3196	17	48	motives	motive	NOUN
fsr-3196	17	49	with	with	ADP
fsr-3196	17	50	a	a	DET
fsr-3196	17	51	potentially	potentially	ADV
fsr-3196	17	52	guaranteed	guarantee	VERB
fsr-3196	17	53	source	source	NOUN
fsr-3196	17	54	of	of	ADP
fsr-3196	17	55	funds	fund	NOUN
fsr-3196	17	56	(	(	PUNCT
fsr-3196	17	57	bernheim	bernheim	NOUN
fsr-3196	17	58	,	,	PUNCT
fsr-3196	17	59	1991	1991	NUM
fsr-3196	17	60	)	)	PUNCT
fsr-3196	17	61	.	.	PUNCT
fsr-3196	18	1	it	it	PRON
fsr-3196	18	2	can	can	AUX
fsr-3196	18	3	also	also	ADV
fsr-3196	18	4	be	be	AUX
fsr-3196	18	5	used	use	VERB
fsr-3196	18	6	as	as	ADP
fsr-3196	18	7	a	a	DET
fsr-3196	18	8	tax	tax	NOUN
fsr-3196	18	9	-	-	PUNCT
fsr-3196	18	10	advantaged	advantage	VERB
fsr-3196	18	11	savings	saving	NOUN
fsr-3196	18	12	tool	tool	NOUN
fsr-3196	18	13	(	(	PUNCT
fsr-3196	18	14	rankin	rankin	NOUN
fsr-3196	18	15	,	,	PUNCT
fsr-3196	18	16	1987	1987	NUM
fsr-3196	18	17	)	)	PUNCT
fsr-3196	18	18	and	and	CCONJ
fsr-3196	18	19	as	as	ADP
fsr-3196	18	20	a	a	DET
fsr-3196	18	21	tool	tool	NOUN
fsr-3196	18	22	to	to	PART
fsr-3196	18	23	reduce	reduce	VERB
fsr-3196	18	24	estate	estate	NOUN
fsr-3196	18	25	tax	tax	NOUN
fsr-3196	18	26	erosion	erosion	NOUN
fsr-3196	18	27	(	(	PUNCT
fsr-3196	18	28	milevsky	milevsky	NOUN
fsr-3196	18	29	,	,	PUNCT
fsr-3196	18	30	2006	2006	NUM
fsr-3196	18	31	;	;	PUNCT
fsr-3196	18	32	mulholland	mulholland	PROPN
fsr-3196	18	33	et	et	PROPN
fsr-3196	18	34	al	al	PROPN
fsr-3196	18	35	.	.	PROPN
fsr-3196	18	36	,	,	PUNCT
fsr-3196	18	37	2016	2016	NUM
fsr-3196	18	38	)	)	PUNCT
fsr-3196	18	39	.	.	PUNCT
fsr-3196	19	1	life	life	NOUN
fsr-3196	19	2	insurance	insurance	NOUN
fsr-3196	19	3	policies	policy	NOUN
fsr-3196	19	4	are	be	AUX
fsr-3196	19	5	designed	design	VERB
fsr-3196	19	6	to	to	PART
fsr-3196	19	7	build	build	VERB
fsr-3196	19	8	cash	cash	NOUN
fsr-3196	19	9	value	value	NOUN
fsr-3196	19	10	early	early	ADV
fsr-3196	19	11	in	in	ADP
fsr-3196	19	12	the	the	DET
fsr-3196	19	13	life	life	NOUN
fsr-3196	19	14	of	of	ADP
fsr-3196	19	15	the	the	DET
fsr-3196	19	16	policy	policy	NOUN
fsr-3196	19	17	that	that	PRON
fsr-3196	19	18	pays	pay	VERB
fsr-3196	19	19	for	for	ADP
fsr-3196	19	20	the	the	DET
fsr-3196	19	21	increasing	increase	VERB
fsr-3196	19	22	cost	cost	NOUN
fsr-3196	19	23	of	of	ADP
fsr-3196	19	24	providing	provide	VERB
fsr-3196	19	25	a	a	DET
fsr-3196	19	26	death	death	NOUN
fsr-3196	19	27	benefit	benefit	NOUN
fsr-3196	19	28	as	as	ADP
fsr-3196	19	29	the	the	DET
fsr-3196	19	30	insured	insure	VERB
fsr-3196	19	31	ages	age	NOUN
fsr-3196	19	32	.	.	PUNCT
fsr-3196	20	1	the	the	DET
fsr-3196	20	2	failure	failure	NOUN
fsr-3196	20	3	to	to	PART
fsr-3196	20	4	make	make	VERB
fsr-3196	20	5	premium	premium	ADJ
fsr-3196	20	6	payments	payment	NOUN
fsr-3196	20	7	results	result	NOUN
fsr-3196	20	8	in	in	ADP
fsr-3196	20	9	the	the	DET
fsr-3196	20	10	termination	termination	NOUN
fsr-3196	20	11	of	of	ADP
fsr-3196	20	12	the	the	DET
fsr-3196	20	13	policy	policy	NOUN
fsr-3196	20	14	,	,	PUNCT
fsr-3196	20	15	also	also	ADV
fsr-3196	20	16	known	know	VERB
fsr-3196	20	17	as	as	ADP
fsr-3196	20	18	lapsation	lapsation	NOUN
fsr-3196	20	19	.	.	PUNCT
fsr-3196	21	1	each	each	DET
fsr-3196	21	2	year	year	NOUN
fsr-3196	21	3	,	,	PUNCT
fsr-3196	21	4	about	about	ADV
fsr-3196	21	5	7	7	NUM
fsr-3196	21	6	%	%	NOUN
fsr-3196	21	7	of	of	ADP
fsr-3196	21	8	all	all	DET
fsr-3196	21	9	individual	individual	ADJ
fsr-3196	21	10	life	life	NOUN
fsr-3196	21	11	insurance	insurance	NOUN
fsr-3196	21	12	policies	policy	NOUN
fsr-3196	21	13	lapse	lapse	NOUN
fsr-3196	21	14	(	(	PUNCT
fsr-3196	21	15	fang	fang	X
fsr-3196	21	16	&	&	CCONJ
fsr-3196	21	17	kung	kung	PROPN
fsr-3196	21	18	,	,	PUNCT
fsr-3196	21	19	2012	2012	NUM
fsr-3196	21	20	)	)	PUNCT
fsr-3196	21	21	.	.	PUNCT
fsr-3196	22	1	lapsation	lapsation	NOUN
fsr-3196	22	2	can	can	AUX
fsr-3196	22	3	be	be	AUX
fsr-3196	22	4	costly	costly	ADJ
fsr-3196	22	5	for	for	ADP
fsr-3196	22	6	consumers	consumer	NOUN
fsr-3196	22	7	because	because	SCONJ
fsr-3196	22	8	accumulated	accumulate	VERB
fsr-3196	22	9	cash	cash	NOUN
fsr-3196	22	10	value	value	NOUN
fsr-3196	22	11	is	be	AUX
fsr-3196	22	12	a	a	DET
fsr-3196	22	13	tax	tax	NOUN
fsr-3196	22	14	-	-	PUNCT
fsr-3196	22	15	deferred	defer	VERB
fsr-3196	22	16	asset	asset	NOUN
fsr-3196	22	17	that	that	PRON
fsr-3196	22	18	can	can	AUX
fsr-3196	22	19	be	be	AUX
fsr-3196	22	20	borrowed	borrow	VERB
fsr-3196	22	21	against	against	ADP
fsr-3196	22	22	or	or	CCONJ
fsr-3196	22	23	efficiently	efficiently	ADV
fsr-3196	22	24	transferred	transfer	VERB
fsr-3196	22	25	at	at	ADP
fsr-3196	22	26	death	death	NOUN
fsr-3196	22	27	,	,	PUNCT
fsr-3196	22	28	and	and	CCONJ
fsr-3196	22	29	the	the	DET
fsr-3196	22	30	secondary	secondary	ADJ
fsr-3196	22	31	market	market	NOUN
fsr-3196	22	32	value	value	NOUN
fsr-3196	22	33	of	of	ADP
fsr-3196	22	34	the	the	DET
fsr-3196	22	35	policy	policy	NOUN
fsr-3196	22	36	can	can	AUX
fsr-3196	22	37	be	be	AUX
fsr-3196	22	38	far	far	ADV
fsr-3196	22	39	greater	great	ADJ
fsr-3196	22	40	than	than	ADP
fsr-3196	22	41	the	the	DET
fsr-3196	22	42	cash	cash	NOUN
fsr-3196	22	43	value	value	NOUN
fsr-3196	22	44	among	among	ADP
fsr-3196	22	45	those	those	PRON
fsr-3196	22	46	whose	whose	DET
fsr-3196	22	47	health	health	NOUN
fsr-3196	22	48	is	be	AUX
fsr-3196	22	49	worse	bad	ADJ
fsr-3196	22	50	than	than	ADP
fsr-3196	22	51	average	average	ADJ
fsr-3196	22	52	(	(	PUNCT
fsr-3196	22	53	daily	daily	PROPN
fsr-3196	22	54	et	et	PROPN
fsr-3196	22	55	al	al	PROPN
fsr-3196	22	56	.	.	PROPN
fsr-3196	22	57	,	,	PUNCT
fsr-3196	22	58	2008	2008	NUM
fsr-3196	22	59	)	)	PUNCT
fsr-3196	22	60	.	.	PUNCT
fsr-3196	23	1	consumer	consumer	NOUN
fsr-3196	23	2	lapsation	lapsation	NOUN
fsr-3196	23	3	of	of	ADP
fsr-3196	23	4	older	old	ADJ
fsr-3196	23	5	policies	policy	NOUN
fsr-3196	23	6	results	result	VERB
fsr-3196	23	7	in	in	ADP
fsr-3196	23	8	socalled	socalled	ADJ
fsr-3196	23	9	lapsation	lapsation	NOUN
fsr-3196	23	10	profits	profit	NOUN
fsr-3196	23	11	that	that	SCONJ
fsr-3196	23	12	insurance	insurance	NOUN
fsr-3196	23	13	companies	company	NOUN
fsr-3196	23	14	build	build	VERB
fsr-3196	23	15	into	into	ADP
fsr-3196	23	16	the	the	DET
fsr-3196	23	17	pricing	pricing	NOUN
fsr-3196	23	18	of	of	ADP
fsr-3196	23	19	life	life	NOUN
fsr-3196	23	20	insurance	insurance	NOUN
fsr-3196	23	21	products	product	NOUN
fsr-3196	23	22	(	(	PUNCT
fsr-3196	23	23	fang	fang	X
fsr-3196	23	24	&	&	CCONJ
fsr-3196	23	25	kung	kung	PROPN
fsr-3196	23	26	,	,	PUNCT
fsr-3196	23	27	2012	2012	NUM
fsr-3196	23	28	)	)	PUNCT
fsr-3196	23	29	.	.	PUNCT
fsr-3196	24	1	gottlieb	gottlieb	PROPN
fsr-3196	24	2	and	and	CCONJ
fsr-3196	24	3	smetters	smetter	NOUN
fsr-3196	24	4	(	(	PUNCT
fsr-3196	24	5	2021	2021	NUM
fsr-3196	24	6	)	)	PUNCT
fsr-3196	24	7	find	find	VERB
fsr-3196	24	8	that	that	SCONJ
fsr-3196	24	9	policyholders	policyholder	NOUN
fsr-3196	24	10	who	who	PRON
fsr-3196	24	11	lapse	lapse	VERB
fsr-3196	24	12	a	a	DET
fsr-3196	24	13	policy	policy	NOUN
fsr-3196	24	14	before	before	ADP
fsr-3196	24	15	death	death	NOUN
fsr-3196	24	16	or	or	CCONJ
fsr-3196	24	17	policy	policy	NOUN
fsr-3196	24	18	maturity	maturity	NOUN
fsr-3196	24	19	subsidize	subsidize	NOUN
fsr-3196	24	20	policyholders	policyholder	NOUN
fsr-3196	24	21	who	who	PRON
fsr-3196	24	22	hold	hold	VERB
fsr-3196	24	23	their	their	PRON
fsr-3196	24	24	policies	policy	NOUN
fsr-3196	24	25	until	until	ADP
fsr-3196	24	26	death	death	NOUN
fsr-3196	24	27	or	or	CCONJ
fsr-3196	24	28	policy	policy	NOUN
fsr-3196	24	29	maturity	maturity	NOUN
fsr-3196	24	30	.	.	PUNCT
fsr-3196	25	1	gottlieb	gottlieb	PROPN
fsr-3196	25	2	and	and	CCONJ
fsr-3196	25	3	smetters	smetter	NOUN
fsr-3196	25	4	(	(	PUNCT
fsr-3196	25	5	2021	2021	NUM
fsr-3196	25	6	)	)	PUNCT
fsr-3196	25	7	note	note	VERB
fsr-3196	25	8	that	that	SCONJ
fsr-3196	25	9	consumers	consumer	NOUN
fsr-3196	25	10	are	be	AUX
fsr-3196	25	11	subject	subject	ADJ
fsr-3196	25	12	to	to	ADP
fsr-3196	25	13	two	two	NUM
fsr-3196	25	14	types	type	NOUN
fsr-3196	25	15	of	of	ADP
fsr-3196	25	16	risk	risk	NOUN
fsr-3196	25	17	:	:	PUNCT
fsr-3196	25	18	mortality	mortality	NOUN
fsr-3196	25	19	risk	risk	NOUN
fsr-3196	25	20	that	that	SCONJ
fsr-3196	25	21	life	life	NOUN
fsr-3196	25	22	insurance	insurance	NOUN
fsr-3196	25	23	is	be	AUX
fsr-3196	25	24	intended	intend	VERB
fsr-3196	25	25	to	to	PART
fsr-3196	25	26	mitigate	mitigate	VERB
fsr-3196	25	27	,	,	PUNCT
fsr-3196	25	28	and	and	CCONJ
fsr-3196	25	29	other	other	ADJ
fsr-3196	25	30	non	non	ADJ
fsr-3196	25	31	-	-	ADJ
fsr-3196	25	32	mortality	mortality	ADJ
fsr-3196	25	33	background	background	NOUN
fsr-3196	25	34	risks	risk	NOUN
fsr-3196	25	35	such	such	ADJ
fsr-3196	25	36	as	as	ADP
fsr-3196	25	37	unemployment	unemployment	NOUN
fsr-3196	25	38	,	,	PUNCT
fsr-3196	25	39	medical	medical	ADJ
fsr-3196	25	40	expense	expense	NOUN
fsr-3196	25	41	shocks	shock	NOUN
fsr-3196	25	42	,	,	PUNCT
fsr-3196	25	43	or	or	CCONJ
fsr-3196	25	44	unexpected	unexpected	ADJ
fsr-3196	25	45	needs	need	NOUN
fsr-3196	25	46	of	of	ADP
fsr-3196	25	47	dependents	dependent	NOUN
fsr-3196	25	48	,	,	PUNCT
fsr-3196	25	49	that	that	PRON
fsr-3196	25	50	result	result	VERB
fsr-3196	25	51	in	in	ADP
fsr-3196	25	52	a	a	DET
fsr-3196	25	53	need	need	NOUN
fsr-3196	25	54	for	for	ADP
fsr-3196	25	55	liquidity	liquidity	NOUN
fsr-3196	25	56	.	.	PUNCT
fsr-3196	26	1	while	while	SCONJ
fsr-3196	26	2	consumers	consumer	NOUN
fsr-3196	26	3	can	can	AUX
fsr-3196	26	4	more	more	ADV
fsr-3196	26	5	easily	easily	ADV
fsr-3196	26	6	estimate	estimate	VERB
fsr-3196	26	7	mortality	mortality	NOUN
fsr-3196	26	8	risk	risk	NOUN
fsr-3196	26	9	when	when	SCONJ
fsr-3196	26	10	they	they	PRON
fsr-3196	26	11	purchase	purchase	VERB
fsr-3196	26	12	a	a	DET
fsr-3196	26	13	policy	policy	NOUN
fsr-3196	26	14	,	,	PUNCT
fsr-3196	26	15	they	they	PRON
fsr-3196	26	16	may	may	AUX
fsr-3196	26	17	underweight	underweight	VERB
fsr-3196	26	18	the	the	DET
fsr-3196	26	19	risk	risk	NOUN
fsr-3196	26	20	of	of	ADP
fsr-3196	26	21	experiencing	experience	VERB
fsr-3196	26	22	background	background	NOUN
fsr-3196	26	23	shocks	shock	NOUN
fsr-3196	26	24	that	that	PRON
fsr-3196	26	25	affect	affect	VERB
fsr-3196	26	26	their	their	PRON
fsr-3196	26	27	ability	ability	NOUN
fsr-3196	26	28	to	to	PART
fsr-3196	26	29	make	make	VERB
fsr-3196	26	30	regular	regular	ADJ
fsr-3196	26	31	premium	premium	NOUN
fsr-3196	26	32	payments	payment	NOUN
fsr-3196	26	33	.	.	PUNCT
fsr-3196	27	1	lapsation	lapsation	NOUN
fsr-3196	27	2	often	often	ADV
fsr-3196	27	3	occurs	occur	VERB
fsr-3196	27	4	because	because	SCONJ
fsr-3196	27	5	an	an	DET
fsr-3196	27	6	insured	insure	VERB
fsr-3196	27	7	experiences	experience	NOUN
fsr-3196	27	8	an	an	DET
fsr-3196	27	9	income	income	NOUN
fsr-3196	27	10	shock	shock	NOUN
fsr-3196	27	11	;	;	PUNCT
fsr-3196	27	12	however	however	ADV
fsr-3196	27	13	,	,	PUNCT
fsr-3196	27	14	changes	change	NOUN
fsr-3196	27	15	in	in	ADP
fsr-3196	27	16	income	income	NOUN
fsr-3196	27	17	affect	affect	VERB
fsr-3196	27	18	lapsation	lapsation	NOUN
fsr-3196	27	19	for	for	ADP
fsr-3196	27	20	younger	young	ADJ
fsr-3196	27	21	households	household	NOUN
fsr-3196	27	22	but	but	CCONJ
fsr-3196	27	23	not	not	PART
fsr-3196	27	24	for	for	ADP
fsr-3196	27	25	older	old	ADJ
fsr-3196	27	26	households	household	NOUN
fsr-3196	27	27	(	(	PUNCT
fsr-3196	27	28	fier	fier	X
fsr-3196	27	29	&	&	CCONJ
fsr-3196	27	30	liebenberg	liebenberg	PROPN
fsr-3196	27	31	,	,	PUNCT
fsr-3196	27	32	2013	2013	NUM
fsr-3196	27	33	)	)	PUNCT
fsr-3196	27	34	.	.	PUNCT
fsr-3196	28	1	another	another	DET
fsr-3196	28	2	potential	potential	ADJ
fsr-3196	28	3	background	background	NOUN
fsr-3196	28	4	risk	risk	NOUN
fsr-3196	28	5	is	be	AUX
fsr-3196	28	6	a	a	DET
fsr-3196	28	7	reduced	reduce	VERB
fsr-3196	28	8	ability	ability	NOUN
fsr-3196	28	9	to	to	PART
fsr-3196	28	10	recognize	recognize	VERB
fsr-3196	28	11	the	the	DET
fsr-3196	28	12	financial	financial	ADJ
fsr-3196	28	13	consequences	consequence	NOUN
fsr-3196	28	14	of	of	ADP
fsr-3196	28	15	failing	fail	VERB
fsr-3196	28	16	to	to	PART
fsr-3196	28	17	make	make	VERB
fsr-3196	28	18	required	required	ADJ
fsr-3196	28	19	premium	premium	NOUN
fsr-3196	28	20	payments	payment	NOUN
fsr-3196	28	21	.	.	PUNCT
fsr-3196	29	1	gottlieb	gottlieb	PROPN
fsr-3196	29	2	and	and	CCONJ
fsr-3196	29	3	smetters	smetter	NOUN
fsr-3196	29	4	(	(	PUNCT
fsr-3196	29	5	2021	2021	NUM
fsr-3196	29	6	)	)	PUNCT
fsr-3196	29	7	find	find	VERB
fsr-3196	29	8	evidence	evidence	NOUN
fsr-3196	29	9	in	in	ADP
fsr-3196	29	10	a	a	DET
fsr-3196	29	11	national	national	ADJ
fsr-3196	29	12	survey	survey	NOUN
fsr-3196	29	13	of	of	ADP
fsr-3196	29	14	insurance	insurance	NOUN
fsr-3196	29	15	purchasers	purchaser	NOUN
fsr-3196	29	16	that	that	SCONJ
fsr-3196	29	17	37.8	37.8	NUM
fsr-3196	29	18	%	%	NOUN
fsr-3196	29	19	of	of	ADP
fsr-3196	29	20	policy	policy	NOUN
fsr-3196	29	21	lapses	lapse	NOUN
fsr-3196	29	22	result	result	VERB
fsr-3196	29	23	from	from	ADP
fsr-3196	29	24	consumers	consumer	NOUN
fsr-3196	29	25	forgetting	forget	VERB
fsr-3196	29	26	to	to	PART
fsr-3196	29	27	pay	pay	VERB
fsr-3196	29	28	their	their	PRON
fsr-3196	29	29	premiums	premium	NOUN
fsr-3196	29	30	,	,	PUNCT
fsr-3196	29	31	and	and	CCONJ
fsr-3196	29	32	15.4	15.4	NUM
fsr-3196	29	33	%	%	NOUN
fsr-3196	29	34	are	be	AUX
fsr-3196	29	35	due	due	ADJ
fsr-3196	29	36	to	to	ADP
fsr-3196	29	37	unexpected	unexpected	ADJ
fsr-3196	29	38	liquidity	liquidity	NOUN
fsr-3196	29	39	shocks	shock	NOUN
fsr-3196	29	40	.	.	PUNCT
fsr-3196	30	1	banks	bank	NOUN
fsr-3196	30	2	and	and	CCONJ
fsr-3196	30	3	oldfield	oldfield	PROPN
fsr-3196	30	4	(	(	PUNCT
fsr-3196	30	5	2007	2007	NUM
fsr-3196	30	6	)	)	PUNCT
fsr-3196	30	7	find	find	VERB
fsr-3196	30	8	that	that	SCONJ
fsr-3196	30	9	a	a	DET
fsr-3196	30	10	large	large	ADJ
fsr-3196	30	11	portion	portion	NOUN
fsr-3196	30	12	of	of	ADP
fsr-3196	30	13	older	old	ADJ
fsr-3196	30	14	adults	adult	NOUN
fsr-3196	30	15	are	be	AUX
fsr-3196	30	16	unable	unable	ADJ
fsr-3196	30	17	to	to	PART
fsr-3196	30	18	perform	perform	VERB
fsr-3196	30	19	simple	simple	ADJ
fsr-3196	30	20	interest	interest	NOUN
fsr-3196	30	21	calculations	calculation	NOUN
fsr-3196	30	22	with	with	ADP
fsr-3196	30	23	accuracy	accuracy	NOUN
fsr-3196	30	24	.	.	PUNCT
fsr-3196	31	1	gerardi	gerardi	PROPN
fsr-3196	31	2	et	et	PROPN
fsr-3196	31	3	al	al	PROPN
fsr-3196	31	4	.	.	PROPN
fsr-3196	32	1	(	(	PUNCT
fsr-3196	32	2	2013	2013	NUM
fsr-3196	32	3	)	)	PUNCT
fsr-3196	32	4	find	find	VERB
fsr-3196	32	5	that	that	SCONJ
fsr-3196	32	6	borrowers	borrower	NOUN
fsr-3196	32	7	with	with	ADP
fsr-3196	32	8	lower	low	ADJ
fsr-3196	32	9	levels	level	NOUN
fsr-3196	32	10	of	of	ADP
fsr-3196	32	11	numerical	numerical	ADJ
fsr-3196	32	12	ability	ability	NOUN
fsr-3196	32	13	are	be	AUX
fsr-3196	32	14	more	more	ADV
fsr-3196	32	15	likely	likely	ADJ
fsr-3196	32	16	to	to	PART
fsr-3196	32	17	default	default	VERB
fsr-3196	32	18	on	on	ADP
fsr-3196	32	19	their	their	PRON
fsr-3196	32	20	mortgages	mortgage	NOUN
fsr-3196	32	21	—	—	PUNCT
fsr-3196	32	22	another	another	DET
fsr-3196	32	23	behavior	behavior	NOUN
fsr-3196	32	24	that	that	PRON
fsr-3196	32	25	requires	require	VERB
fsr-3196	32	26	a	a	DET
fsr-3196	32	27	consistent	consistent	ADJ
fsr-3196	32	28	payment	payment	NOUN
fsr-3196	32	29	to	to	PART
fsr-3196	32	30	avoid	avoid	VERB
fsr-3196	32	31	a	a	DET
fsr-3196	32	32	contractual	contractual	ADJ
fsr-3196	32	33	default	default	NOUN
fsr-3196	32	34	and	and	CCONJ
fsr-3196	32	35	loss	loss	NOUN
fsr-3196	32	36	of	of	ADP
fsr-3196	32	37	wealth	wealth	NOUN
fsr-3196	32	38	.	.	PUNCT
fsr-3196	33	1	christelis	christeli	VERB
fsr-3196	33	2	et	et	PROPN
fsr-3196	33	3	al	al	PROPN
fsr-3196	33	4	.	.	PROPN
fsr-3196	34	1	(	(	PUNCT
fsr-3196	34	2	2010	2010	NUM
fsr-3196	34	3	)	)	PUNCT
fsr-3196	34	4	find	find	VERB
fsr-3196	34	5	a	a	DET
fsr-3196	34	6	positive	positive	ADJ
fsr-3196	34	7	relationship	relationship	NOUN
fsr-3196	34	8	between	between	ADP
fsr-3196	34	9	the	the	DET
fsr-3196	34	10	cognitive	cognitive	ADJ
fsr-3196	34	11	ability	ability	NOUN
fsr-3196	34	12	of	of	ADP
fsr-3196	34	13	older	old	ADJ
fsr-3196	34	14	individuals	individual	NOUN
fsr-3196	34	15	as	as	SCONJ
fsr-3196	34	16	measured	measure	VERB
fsr-3196	34	17	by	by	ADP
fsr-3196	34	18	numeracy	numeracy	NOUN
fsr-3196	34	19	,	,	PUNCT
fsr-3196	34	20	verbal	verbal	ADJ
fsr-3196	34	21	fluency	fluency	NOUN
fsr-3196	34	22	,	,	PUNCT
fsr-3196	34	23	and	and	CCONJ
fsr-3196	34	24	recall	recall	NOUN
fsr-3196	34	25	(	(	PUNCT
fsr-3196	34	26	memory	memory	NOUN
fsr-3196	34	27	)	)	PUNCT
fsr-3196	34	28	,	,	PUNCT
fsr-3196	34	29	and	and	CCONJ
fsr-3196	34	30	complex	complex	ADJ
fsr-3196	34	31	investments	investment	NOUN
fsr-3196	34	32	such	such	ADJ
fsr-3196	34	33	as	as	ADP
fsr-3196	34	34	stocks	stock	NOUN
fsr-3196	34	35	,	,	PUNCT
fsr-3196	34	36	while	while	SCONJ
fsr-3196	34	37	korniotis	korniotis	PROPN
fsr-3196	34	38	and	and	CCONJ
fsr-3196	34	39	kumar	kumar	PROPN
fsr-3196	34	40	(	(	PUNCT
fsr-3196	34	41	2011	2011	NUM
fsr-3196	34	42	)	)	PUNCT
fsr-3196	34	43	find	find	VERB
fsr-3196	34	44	that	that	SCONJ
fsr-3196	34	45	stock	stock	NOUN
fsr-3196	34	46	investors	investor	NOUN
fsr-3196	34	47	in	in	ADP
fsr-3196	34	48	their	their	PRON
fsr-3196	34	49	70s	70	NOUN
fsr-3196	34	50	and	and	CCONJ
fsr-3196	34	51	80s	80	NOUN
fsr-3196	34	52	significantly	significantly	ADV
fsr-3196	34	53	underperform	underperform	VERB
fsr-3196	34	54	younger	young	ADJ
fsr-3196	34	55	investors	investor	NOUN
fsr-3196	34	56	.	.	PUNCT
fsr-3196	35	1	financial	financial	ADJ
fsr-3196	35	2	literacy	literacy	NOUN
fsr-3196	35	3	related	relate	VERB
fsr-3196	35	4	to	to	ADP
fsr-3196	35	5	insurance	insurance	NOUN
fsr-3196	35	6	declines	decline	NOUN
fsr-3196	35	7	consistently	consistently	ADV
fsr-3196	35	8	in	in	ADP
fsr-3196	35	9	old	old	ADJ
fsr-3196	35	10	age	age	NOUN
fsr-3196	35	11	despite	despite	SCONJ
fsr-3196	35	12	higher	high	ADJ
fsr-3196	35	13	rates	rate	NOUN
fsr-3196	35	14	of	of	ADP
fsr-3196	35	15	life	life	NOUN
fsr-3196	35	16	insurance	insurance	NOUN
fsr-3196	35	17	ownership	ownership	NOUN
fsr-3196	35	18	among	among	ADP
fsr-3196	35	19	older	old	ADJ
fsr-3196	35	20	cohorts	cohort	NOUN
fsr-3196	35	21	(	(	PUNCT
fsr-3196	35	22	finke	finke	PROPN
fsr-3196	35	23	et	et	PROPN
fsr-3196	35	24	al	al	PROPN
fsr-3196	35	25	.	.	PROPN
fsr-3196	35	26	,	,	PUNCT
fsr-3196	35	27	2017	2017	NUM
fsr-3196	35	28	)	)	PUNCT
fsr-3196	35	29	.	.	PUNCT
fsr-3196	36	1	policy	policy	NOUN
fsr-3196	36	2	lapsation	lapsation	NOUN
fsr-3196	36	3	decisions	decision	NOUN
fsr-3196	36	4	can	can	AUX
fsr-3196	36	5	have	have	VERB
fsr-3196	36	6	both	both	CCONJ
fsr-3196	36	7	positive	positive	ADJ
fsr-3196	36	8	and	and	CCONJ
fsr-3196	36	9	negative	negative	ADJ
fsr-3196	36	10	effects	effect	NOUN
fsr-3196	36	11	on	on	ADP
fsr-3196	36	12	the	the	DET
fsr-3196	36	13	household	household	NOUN
fsr-3196	36	14	.	.	PUNCT
fsr-3196	37	1	intended	intend	VERB
fsr-3196	37	2	lapsation	lapsation	NOUN
fsr-3196	37	3	of	of	ADP
fsr-3196	37	4	policies	policy	NOUN
fsr-3196	37	5	that	that	PRON
fsr-3196	37	6	are	be	AUX
fsr-3196	37	7	no	no	ADV
fsr-3196	37	8	longer	long	ADV
fsr-3196	37	9	needed	need	VERB
fsr-3196	37	10	to	to	PART
fsr-3196	37	11	meet	meet	VERB
fsr-3196	37	12	the	the	DET
fsr-3196	37	13	basic	basic	ADJ
fsr-3196	37	14	life	life	NOUN
fsr-3196	37	15	cycle	cycle	NOUN
fsr-3196	37	16	purposes	purpose	NOUN
fsr-3196	37	17	of	of	ADP
fsr-3196	37	18	life	life	NOUN
fsr-3196	37	19	insurance	insurance	NOUN
fsr-3196	37	20	—	—	PUNCT
fsr-3196	37	21	labor	labor	NOUN
fsr-3196	37	22	income	income	NOUN
fsr-3196	37	23	protection	protection	NOUN
fsr-3196	37	24	(	(	PUNCT
fsr-3196	37	25	campbell	campbell	PROPN
fsr-3196	37	26	1980	1980	NUM
fsr-3196	37	27	;	;	PUNCT
fsr-3196	37	28	fischer	fischer	PROPN
fsr-3196	37	29	,	,	PUNCT
fsr-3196	37	30	1973	1973	NUM
fsr-3196	37	31	;	;	PUNCT
fsr-3196	37	32	yaari	yaari	PROPN
fsr-3196	37	33	,	,	PUNCT
fsr-3196	37	34	1965	1965	NUM
fsr-3196	37	35	)	)	PUNCT
fsr-3196	37	36	,	,	PUNCT
fsr-3196	37	37	beneficiary	beneficiary	NOUN
fsr-3196	37	38	needs	need	NOUN
fsr-3196	37	39	(	(	PUNCT
fsr-3196	37	40	lewis	lewis	PROPN
fsr-3196	37	41	,	,	PUNCT
fsr-3196	37	42	1989	1989	NUM
fsr-3196	37	43	)	)	PUNCT
fsr-3196	37	44	,	,	PUNCT
fsr-3196	37	45	and	and	CCONJ
fsr-3196	37	46	bequest	bequ	ADJ
fsr-3196	37	47	motives	motive	NOUN
fsr-3196	37	48	(	(	PUNCT
fsr-3196	37	49	bernheim	bernheim	NOUN
fsr-3196	37	50	,	,	PUNCT
fsr-3196	37	51	1991)—may	1991)—may	NUM
fsr-3196	37	52	improve	improve	VERB
fsr-3196	37	53	household	household	NOUN
fsr-3196	37	54	utility	utility	NOUN
fsr-3196	37	55	after	after	ADP
fsr-3196	37	56	being	be	AUX
fsr-3196	37	57	lapsed	lapse	VERB
fsr-3196	37	58	.	.	PUNCT
fsr-3196	38	1	lapsation	lapsation	NOUN
fsr-3196	38	2	decisions	decision	NOUN
fsr-3196	38	3	can	can	AUX
fsr-3196	38	4	positively	positively	ADV
fsr-3196	38	5	affect	affect	VERB
fsr-3196	38	6	the	the	DET
fsr-3196	38	7	liquidity	liquidity	NOUN
fsr-3196	38	8	of	of	ADP
fsr-3196	38	9	74	74	NUM
fsr-3196	38	10	b.	b.	PROPN
fsr-3196	38	11	s.	s.	PROPN
fsr-3196	38	12	mulholland	mulholland	PROPN
fsr-3196	38	13	and	and	CCONJ
fsr-3196	38	14	m.	m.	PROPN
fsr-3196	38	15	s.	s.	PROPN
fsr-3196	38	16	finke	finke	PROPN
fsr-3196	38	17	/	/	SYM
fsr-3196	38	18	financial	financial	ADJ
fsr-3196	38	19	services	service	NOUN
fsr-3196	38	20	review	review	VERB
fsr-3196	38	21	31	31	NUM
fsr-3196	38	22	(	(	PUNCT
fsr-3196	38	23	2023	2023	NUM
fsr-3196	38	24	)	)	PUNCT
fsr-3196	39	1	73–96	73–96	NUM
fsr-3196	39	2	the	the	DET
fsr-3196	39	3	household	household	NOUN
fsr-3196	39	4	through	through	ADP
fsr-3196	39	5	the	the	DET
fsr-3196	39	6	elimination	elimination	NOUN
fsr-3196	39	7	of	of	ADP
fsr-3196	39	8	the	the	DET
fsr-3196	39	9	premium	premium	NOUN
fsr-3196	39	10	payments	payment	NOUN
fsr-3196	39	11	that	that	PRON
fsr-3196	39	12	release	release	VERB
fsr-3196	39	13	those	those	DET
fsr-3196	39	14	funds	fund	NOUN
fsr-3196	39	15	for	for	ADP
fsr-3196	39	16	use	use	NOUN
fsr-3196	39	17	in	in	ADP
fsr-3196	39	18	other	other	ADJ
fsr-3196	39	19	areas	area	NOUN
fsr-3196	39	20	of	of	ADP
fsr-3196	39	21	consumption	consumption	NOUN
fsr-3196	39	22	,	,	PUNCT
fsr-3196	39	23	such	such	ADJ
fsr-3196	39	24	as	as	ADP
fsr-3196	39	25	improving	improve	VERB
fsr-3196	39	26	lifetime	lifetime	NOUN
fsr-3196	39	27	consumption	consumption	NOUN
fsr-3196	39	28	for	for	ADP
fsr-3196	39	29	current	current	ADJ
fsr-3196	39	30	household	household	NOUN
fsr-3196	39	31	members	member	NOUN
fsr-3196	39	32	.	.	PUNCT
fsr-3196	40	1	the	the	DET
fsr-3196	40	2	subsequent	subsequent	ADJ
fsr-3196	40	3	removal	removal	NOUN
fsr-3196	40	4	of	of	ADP
fsr-3196	40	5	a	a	DET
fsr-3196	40	6	sophisticated	sophisticated	ADJ
fsr-3196	40	7	financial	financial	ADJ
fsr-3196	40	8	tool	tool	NOUN
fsr-3196	40	9	from	from	ADP
fsr-3196	40	10	the	the	DET
fsr-3196	40	11	household	household	NOUN
fsr-3196	40	12	portfolio	portfolio	NOUN
fsr-3196	40	13	may	may	AUX
fsr-3196	40	14	make	make	VERB
fsr-3196	40	15	management	management	NOUN
fsr-3196	40	16	of	of	ADP
fsr-3196	40	17	the	the	DET
fsr-3196	40	18	portfolio	portfolio	NOUN
fsr-3196	40	19	less	less	ADV
fsr-3196	40	20	burdensome	burdensome	ADV
fsr-3196	40	21	.	.	PUNCT
fsr-3196	41	1	on	on	ADP
fsr-3196	41	2	the	the	DET
fsr-3196	41	3	other	other	ADJ
fsr-3196	41	4	hand	hand	NOUN
fsr-3196	41	5	,	,	PUNCT
fsr-3196	41	6	unintended	unintended	ADJ
fsr-3196	41	7	lapsation	lapsation	NOUN
fsr-3196	41	8	may	may	AUX
fsr-3196	41	9	be	be	AUX
fsr-3196	41	10	problematic	problematic	ADJ
fsr-3196	41	11	for	for	ADP
fsr-3196	41	12	policyholders	policyholder	NOUN
fsr-3196	41	13	and	and	CCONJ
fsr-3196	41	14	their	their	PRON
fsr-3196	41	15	beneficiaries	beneficiary	NOUN
fsr-3196	41	16	.	.	PUNCT
fsr-3196	42	1	for	for	ADP
fsr-3196	42	2	married	married	ADJ
fsr-3196	42	3	couples	couple	NOUN
fsr-3196	42	4	,	,	PUNCT
fsr-3196	42	5	the	the	DET
fsr-3196	42	6	loss	loss	NOUN
fsr-3196	42	7	of	of	ADP
fsr-3196	42	8	the	the	DET
fsr-3196	42	9	policy	policy	NOUN
fsr-3196	42	10	may	may	AUX
fsr-3196	42	11	remove	remove	VERB
fsr-3196	42	12	guaranteed	guaranteed	ADJ
fsr-3196	42	13	funds	fund	NOUN
fsr-3196	42	14	intended	intend	VERB
fsr-3196	42	15	to	to	PART
fsr-3196	42	16	provide	provide	VERB
fsr-3196	42	17	for	for	ADP
fsr-3196	42	18	the	the	DET
fsr-3196	42	19	final	final	ADJ
fsr-3196	42	20	expenses	expense	NOUN
fsr-3196	42	21	associated	associate	VERB
fsr-3196	42	22	with	with	ADP
fsr-3196	42	23	death	death	NOUN
fsr-3196	42	24	,	,	PUNCT
fsr-3196	42	25	such	such	ADJ
fsr-3196	42	26	as	as	ADP
fsr-3196	42	27	medical	medical	ADJ
fsr-3196	42	28	out	out	ADP
fsr-3196	42	29	-	-	PUNCT
fsr-3196	42	30	ofpocket	ofpocket	NOUN
fsr-3196	42	31	expenses	expense	NOUN
fsr-3196	42	32	,	,	PUNCT
fsr-3196	42	33	health	health	NOUN
fsr-3196	42	34	insurance	insurance	NOUN
fsr-3196	42	35	copays	copay	NOUN
fsr-3196	42	36	,	,	PUNCT
fsr-3196	42	37	and	and	CCONJ
fsr-3196	42	38	funeral	funeral	NOUN
fsr-3196	42	39	expenses	expense	NOUN
fsr-3196	42	40	.	.	PUNCT
fsr-3196	43	1	it	it	PRON
fsr-3196	43	2	may	may	AUX
fsr-3196	43	3	also	also	ADV
fsr-3196	43	4	reduce	reduce	VERB
fsr-3196	43	5	the	the	DET
fsr-3196	43	6	assets	asset	NOUN
fsr-3196	43	7	available	available	ADJ
fsr-3196	43	8	to	to	PART
fsr-3196	43	9	fund	fund	VERB
fsr-3196	43	10	the	the	DET
fsr-3196	43	11	surviving	surviving	NOUN
fsr-3196	43	12	spouse	spouse	NOUN
fsr-3196	43	13	’s	’s	PART
fsr-3196	43	14	lifestyle	lifestyle	NOUN
fsr-3196	43	15	since	since	SCONJ
fsr-3196	43	16	funds	fund	NOUN
fsr-3196	43	17	from	from	ADP
fsr-3196	43	18	the	the	DET
fsr-3196	43	19	lapsation	lapsation	NOUN
fsr-3196	43	20	will	will	AUX
fsr-3196	43	21	provide	provide	VERB
fsr-3196	43	22	fewer	few	ADJ
fsr-3196	43	23	survivor	survivor	NOUN
fsr-3196	43	24	proceeds	proceed	NOUN
fsr-3196	43	25	than	than	SCONJ
fsr-3196	43	26	the	the	DET
fsr-3196	43	27	death	death	NOUN
fsr-3196	43	28	benefit	benefit	NOUN
fsr-3196	43	29	would	would	AUX
fsr-3196	43	30	have	have	AUX
fsr-3196	43	31	paid	pay	VERB
fsr-3196	43	32	at	at	ADP
fsr-3196	43	33	the	the	DET
fsr-3196	43	34	death	death	NOUN
fsr-3196	43	35	.	.	PUNCT
fsr-3196	44	1	in	in	ADP
fsr-3196	44	2	addition	addition	NOUN
fsr-3196	44	3	,	,	PUNCT
fsr-3196	44	4	if	if	SCONJ
fsr-3196	44	5	the	the	DET
fsr-3196	44	6	lapsed	lapse	VERB
fsr-3196	44	7	policy	policy	NOUN
fsr-3196	44	8	has	have	VERB
fsr-3196	44	9	a	a	DET
fsr-3196	44	10	cash	cash	NOUN
fsr-3196	44	11	surrender	surrender	NOUN
fsr-3196	44	12	value	value	NOUN
fsr-3196	44	13	,	,	PUNCT
fsr-3196	44	14	that	that	DET
fsr-3196	44	15	cash	cash	NOUN
fsr-3196	44	16	is	be	AUX
fsr-3196	44	17	brought	bring	VERB
fsr-3196	44	18	into	into	ADP
fsr-3196	44	19	the	the	DET
fsr-3196	44	20	estate	estate	NOUN
fsr-3196	44	21	of	of	ADP
fsr-3196	44	22	the	the	DET
fsr-3196	44	23	policyholder	policyholder	NOUN
fsr-3196	44	24	which	which	PRON
fsr-3196	44	25	then	then	ADV
fsr-3196	44	26	makes	make	VERB
fsr-3196	44	27	it	it	PRON
fsr-3196	44	28	subject	subject	ADJ
fsr-3196	44	29	to	to	ADP
fsr-3196	44	30	ongoing	ongoing	ADJ
fsr-3196	44	31	income	income	NOUN
fsr-3196	44	32	taxation	taxation	NOUN
fsr-3196	44	33	and	and	CCONJ
fsr-3196	44	34	future	future	ADJ
fsr-3196	44	35	probate	probate	NOUN
fsr-3196	44	36	distribution	distribution	NOUN
fsr-3196	44	37	,	,	PUNCT
fsr-3196	44	38	both	both	PRON
fsr-3196	44	39	of	of	ADP
fsr-3196	44	40	which	which	PRON
fsr-3196	44	41	are	be	AUX
fsr-3196	44	42	avoided	avoid	VERB
fsr-3196	44	43	in	in	ADP
fsr-3196	44	44	an	an	DET
fsr-3196	44	45	active	active	ADJ
fsr-3196	44	46	life	life	NOUN
fsr-3196	44	47	insurance	insurance	NOUN
fsr-3196	44	48	policy	policy	NOUN
fsr-3196	44	49	.	.	PUNCT
fsr-3196	45	1	in	in	ADP
fsr-3196	45	2	this	this	DET
fsr-3196	45	3	study	study	NOUN
fsr-3196	45	4	,	,	PUNCT
fsr-3196	45	5	we	we	PRON
fsr-3196	45	6	explore	explore	VERB
fsr-3196	45	7	whether	whether	SCONJ
fsr-3196	45	8	the	the	DET
fsr-3196	45	9	observed	observed	ADJ
fsr-3196	45	10	decline	decline	NOUN
fsr-3196	45	11	in	in	ADP
fsr-3196	45	12	cognitive	cognitive	ADJ
fsr-3196	45	13	ability	ability	NOUN
fsr-3196	45	14	in	in	ADP
fsr-3196	45	15	later	later	ADJ
fsr-3196	45	16	life	life	NOUN
fsr-3196	45	17	is	be	AUX
fsr-3196	45	18	related	relate	VERB
fsr-3196	45	19	to	to	ADP
fsr-3196	45	20	a	a	DET
fsr-3196	45	21	potential	potential	ADJ
fsr-3196	45	22	wealth	wealth	NOUN
fsr-3196	45	23	loss	loss	NOUN
fsr-3196	45	24	from	from	ADP
fsr-3196	45	25	insurance	insurance	NOUN
fsr-3196	45	26	lapsation	lapsation	NOUN
fsr-3196	45	27	.	.	PUNCT
fsr-3196	46	1	this	this	DET
fsr-3196	46	2	article	article	NOUN
fsr-3196	46	3	adds	add	VERB
fsr-3196	46	4	to	to	ADP
fsr-3196	46	5	the	the	DET
fsr-3196	46	6	literature	literature	NOUN
fsr-3196	46	7	by	by	ADP
fsr-3196	46	8	providing	provide	VERB
fsr-3196	46	9	insight	insight	NOUN
fsr-3196	46	10	into	into	ADP
fsr-3196	46	11	unintentional	unintentional	ADJ
fsr-3196	46	12	lapsation	lapsation	NOUN
fsr-3196	46	13	among	among	ADP
fsr-3196	46	14	older	old	ADJ
fsr-3196	46	15	consumers	consumer	NOUN
fsr-3196	46	16	that	that	PRON
fsr-3196	46	17	represents	represent	VERB
fsr-3196	46	18	a	a	DET
fsr-3196	46	19	potential	potential	ADJ
fsr-3196	46	20	source	source	NOUN
fsr-3196	46	21	of	of	ADP
fsr-3196	46	22	welfare	welfare	NOUN
fsr-3196	46	23	loss	loss	NOUN
fsr-3196	46	24	.	.	PUNCT
fsr-3196	47	1	awareness	awareness	NOUN
fsr-3196	47	2	of	of	ADP
fsr-3196	47	3	the	the	DET
fsr-3196	47	4	risk	risk	NOUN
fsr-3196	47	5	of	of	ADP
fsr-3196	47	6	cognitive	cognitive	ADJ
fsr-3196	47	7	aging	aging	NOUN
fsr-3196	47	8	on	on	ADP
fsr-3196	47	9	life	life	NOUN
fsr-3196	47	10	insurance	insurance	NOUN
fsr-3196	47	11	lapsation	lapsation	NOUN
fsr-3196	47	12	represents	represent	VERB
fsr-3196	47	13	an	an	DET
fsr-3196	47	14	opportunity	opportunity	NOUN
fsr-3196	47	15	for	for	SCONJ
fsr-3196	47	16	financial	financial	ADJ
fsr-3196	47	17	planners	planner	NOUN
fsr-3196	47	18	to	to	PART
fsr-3196	47	19	avoid	avoid	VERB
fsr-3196	47	20	this	this	DET
fsr-3196	47	21	risk	risk	NOUN
fsr-3196	47	22	by	by	ADP
fsr-3196	47	23	automating	automate	VERB
fsr-3196	47	24	payment	payment	NOUN
fsr-3196	47	25	,	,	PUNCT
fsr-3196	47	26	considering	consider	VERB
fsr-3196	47	27	a	a	DET
fsr-3196	47	28	life	life	NOUN
fsr-3196	47	29	settlement	settlement	NOUN
fsr-3196	47	30	for	for	ADP
fsr-3196	47	31	seniors	senior	NOUN
fsr-3196	47	32	who	who	PRON
fsr-3196	47	33	do	do	AUX
fsr-3196	47	34	not	not	PART
fsr-3196	47	35	value	value	VERB
fsr-3196	47	36	the	the	DET
fsr-3196	47	37	bequest	bequest	NOUN
fsr-3196	47	38	,	,	PUNCT
fsr-3196	47	39	or	or	CCONJ
fsr-3196	47	40	fully	fully	ADV
fsr-3196	47	41	paying	pay	VERB
fsr-3196	47	42	up	up	ADP
fsr-3196	47	43	the	the	DET
fsr-3196	47	44	policy	policy	NOUN
fsr-3196	47	45	to	to	PART
fsr-3196	47	46	avoid	avoid	VERB
fsr-3196	47	47	the	the	DET
fsr-3196	47	48	risk	risk	NOUN
fsr-3196	47	49	of	of	ADP
fsr-3196	47	50	late	late	ADJ
fsr-3196	47	51	life	life	NOUN
fsr-3196	47	52	lapsation	lapsation	NOUN
fsr-3196	47	53	.	.	PUNCT
fsr-3196	48	1	2	2	X
fsr-3196	48	2	.	.	X
fsr-3196	48	3	objective	objective	NOUN
fsr-3196	48	4	from	from	ADP
fsr-3196	48	5	the	the	DET
fsr-3196	48	6	life	life	NOUN
fsr-3196	48	7	insurance	insurance	NOUN
fsr-3196	48	8	demand	demand	NOUN
fsr-3196	48	9	theory	theory	NOUN
fsr-3196	48	10	,	,	PUNCT
fsr-3196	48	11	we	we	PRON
fsr-3196	48	12	use	use	VERB
fsr-3196	48	13	several	several	ADJ
fsr-3196	48	14	key	key	ADJ
fsr-3196	48	15	theories	theory	NOUN
fsr-3196	48	16	as	as	ADP
fsr-3196	48	17	guides	guide	NOUN
fsr-3196	48	18	for	for	ADP
fsr-3196	48	19	our	our	PRON
fsr-3196	48	20	work	work	NOUN
fsr-3196	48	21	.	.	PUNCT
fsr-3196	49	1	yaari	yaari	PROPN
fsr-3196	49	2	(	(	PUNCT
fsr-3196	49	3	1965	1965	NUM
fsr-3196	49	4	)	)	PUNCT
fsr-3196	49	5	,	,	PUNCT
fsr-3196	49	6	fischer	fischer	PROPN
fsr-3196	49	7	(	(	PUNCT
fsr-3196	49	8	1973	1973	NUM
fsr-3196	49	9	)	)	PUNCT
fsr-3196	49	10	,	,	PUNCT
fsr-3196	49	11	and	and	CCONJ
fsr-3196	49	12	campbell	campbell	PROPN
fsr-3196	49	13	(	(	PUNCT
fsr-3196	49	14	1980	1980	NUM
fsr-3196	49	15	)	)	PUNCT
fsr-3196	49	16	collectively	collectively	ADV
fsr-3196	49	17	indicate	indicate	VERB
fsr-3196	49	18	that	that	SCONJ
fsr-3196	49	19	life	life	NOUN
fsr-3196	49	20	insurance	insurance	NOUN
fsr-3196	49	21	is	be	AUX
fsr-3196	49	22	a	a	DET
fsr-3196	49	23	hedge	hedge	NOUN
fsr-3196	49	24	against	against	ADP
fsr-3196	49	25	the	the	DET
fsr-3196	49	26	uncertainty	uncertainty	NOUN
fsr-3196	49	27	of	of	ADP
fsr-3196	49	28	labor	labor	NOUN
fsr-3196	49	29	income	income	NOUN
fsr-3196	49	30	flows	flow	NOUN
fsr-3196	49	31	.	.	PUNCT
fsr-3196	50	1	lewis	lewis	PROPN
fsr-3196	50	2	(	(	PUNCT
fsr-3196	50	3	1989	1989	NUM
fsr-3196	50	4	)	)	PUNCT
fsr-3196	50	5	suggests	suggest	VERB
fsr-3196	50	6	that	that	SCONJ
fsr-3196	50	7	the	the	DET
fsr-3196	50	8	beneficiaries	beneficiary	NOUN
fsr-3196	50	9	’	'	PUNCT
fsr-3196	50	10	desire	desire	NOUN
fsr-3196	50	11	to	to	PART
fsr-3196	50	12	smooth	smooth	VERB
fsr-3196	50	13	their	their	PRON
fsr-3196	50	14	expected	expect	VERB
fsr-3196	50	15	lifetime	lifetime	NOUN
fsr-3196	50	16	consumption	consumption	NOUN
fsr-3196	50	17	will	will	AUX
fsr-3196	50	18	influence	influence	VERB
fsr-3196	50	19	life	life	NOUN
fsr-3196	50	20	insurance	insurance	NOUN
fsr-3196	50	21	demand	demand	NOUN
fsr-3196	50	22	,	,	PUNCT
fsr-3196	50	23	and	and	CCONJ
fsr-3196	50	24	bernheim	bernheim	NOUN
fsr-3196	50	25	(	(	PUNCT
fsr-3196	50	26	1991	1991	NUM
fsr-3196	50	27	)	)	PUNCT
fsr-3196	50	28	suggests	suggest	VERB
fsr-3196	50	29	that	that	SCONJ
fsr-3196	50	30	policyholder	policyholder	NOUN
fsr-3196	50	31	bequest	bequest	NOUN
fsr-3196	50	32	motives	motive	VERB
fsr-3196	50	33	influence	influence	VERB
fsr-3196	50	34	the	the	DET
fsr-3196	50	35	demand	demand	NOUN
fsr-3196	50	36	for	for	ADP
fsr-3196	50	37	life	life	NOUN
fsr-3196	50	38	insurance	insurance	NOUN
fsr-3196	50	39	.	.	PUNCT
fsr-3196	51	1	several	several	ADJ
fsr-3196	51	2	hypotheses	hypothesis	NOUN
fsr-3196	51	3	have	have	AUX
fsr-3196	51	4	been	be	AUX
fsr-3196	51	5	suggested	suggest	VERB
fsr-3196	51	6	for	for	SCONJ
fsr-3196	51	7	the	the	DET
fsr-3196	51	8	reason	reason	NOUN
fsr-3196	51	9	policyholders	policyholder	NOUN
fsr-3196	51	10	lapse	lapse	VERB
fsr-3196	51	11	their	their	PRON
fsr-3196	51	12	life	life	NOUN
fsr-3196	51	13	insurance	insurance	NOUN
fsr-3196	51	14	policies	policy	NOUN
fsr-3196	51	15	:	:	PUNCT
fsr-3196	51	16	the	the	DET
fsr-3196	51	17	emergency	emergency	NOUN
fsr-3196	51	18	fund	fund	NOUN
fsr-3196	51	19	hypothesis	hypothesis	NOUN
fsr-3196	51	20	(	(	PUNCT
fsr-3196	51	21	efh	efh	NOUN
fsr-3196	51	22	)	)	PUNCT
fsr-3196	51	23	,	,	PUNCT
fsr-3196	51	24	the	the	DET
fsr-3196	51	25	interest	interest	NOUN
fsr-3196	51	26	rate	rate	NOUN
fsr-3196	51	27	hypothesis	hypothesis	NOUN
fsr-3196	51	28	(	(	PUNCT
fsr-3196	51	29	irh	irh	PROPN
fsr-3196	51	30	)	)	PUNCT
fsr-3196	51	31	,	,	PUNCT
fsr-3196	51	32	and	and	CCONJ
fsr-3196	51	33	the	the	DET
fsr-3196	51	34	policy	policy	NOUN
fsr-3196	51	35	replacement	replacement	NOUN
fsr-3196	51	36	hypothesis	hypothesis	NOUN
fsr-3196	51	37	(	(	PUNCT
fsr-3196	51	38	prh	prh	NOUN
fsr-3196	51	39	)	)	PUNCT
fsr-3196	51	40	.	.	PUNCT
fsr-3196	52	1	linton	linton	PROPN
fsr-3196	52	2	(	(	PUNCT
fsr-3196	52	3	1932	1932	NUM
fsr-3196	52	4	)	)	PUNCT
fsr-3196	52	5	proposed	propose	VERB
fsr-3196	52	6	the	the	DET
fsr-3196	52	7	efh	efh	NOUN
fsr-3196	52	8	,	,	PUNCT
fsr-3196	52	9	suggesting	suggest	VERB
fsr-3196	52	10	households	household	NOUN
fsr-3196	52	11	regard	regard	VERB
fsr-3196	52	12	the	the	DET
fsr-3196	52	13	cash	cash	NOUN
fsr-3196	52	14	value	value	NOUN
fsr-3196	52	15	in	in	ADP
fsr-3196	52	16	their	their	PRON
fsr-3196	52	17	life	life	NOUN
fsr-3196	52	18	insurance	insurance	NOUN
fsr-3196	52	19	policies	policy	NOUN
fsr-3196	52	20	as	as	ADP
fsr-3196	52	21	a	a	DET
fsr-3196	52	22	source	source	NOUN
fsr-3196	52	23	of	of	ADP
fsr-3196	52	24	emergency	emergency	NOUN
fsr-3196	52	25	funds	fund	NOUN
fsr-3196	52	26	that	that	PRON
fsr-3196	52	27	can	can	AUX
fsr-3196	52	28	be	be	AUX
fsr-3196	52	29	accessed	access	VERB
fsr-3196	52	30	in	in	ADP
fsr-3196	52	31	times	time	NOUN
fsr-3196	52	32	of	of	ADP
fsr-3196	52	33	financial	financial	ADJ
fsr-3196	52	34	need	need	NOUN
fsr-3196	52	35	.	.	PUNCT
fsr-3196	53	1	schott	schott	PROPN
fsr-3196	53	2	(	(	PUNCT
fsr-3196	53	3	1971	1971	NUM
fsr-3196	53	4	)	)	PUNCT
fsr-3196	53	5	describes	describe	VERB
fsr-3196	53	6	the	the	DET
fsr-3196	53	7	foundations	foundation	NOUN
fsr-3196	53	8	for	for	ADP
fsr-3196	53	9	the	the	DET
fsr-3196	53	10	irh	irh	NOUN
fsr-3196	53	11	which	which	PRON
fsr-3196	53	12	suggests	suggest	VERB
fsr-3196	53	13	that	that	SCONJ
fsr-3196	53	14	when	when	SCONJ
fsr-3196	53	15	interest	interest	NOUN
fsr-3196	53	16	rate	rate	NOUN
fsr-3196	53	17	arbitrage	arbitrage	NOUN
fsr-3196	53	18	potential	potential	NOUN
fsr-3196	53	19	exists	exist	VERB
fsr-3196	53	20	between	between	ADP
fsr-3196	53	21	high	high	ADJ
fsr-3196	53	22	market	market	NOUN
fsr-3196	53	23	rates	rate	NOUN
fsr-3196	53	24	and	and	CCONJ
fsr-3196	53	25	low	low	ADJ
fsr-3196	53	26	policy	policy	NOUN
fsr-3196	53	27	interest	interest	NOUN
fsr-3196	53	28	rates	rate	NOUN
fsr-3196	53	29	,	,	PUNCT
fsr-3196	53	30	policyholders	policyholder	NOUN
fsr-3196	53	31	may	may	AUX
fsr-3196	53	32	be	be	AUX
fsr-3196	53	33	encouraged	encourage	VERB
fsr-3196	53	34	to	to	PART
fsr-3196	53	35	take	take	VERB
fsr-3196	53	36	policy	policy	NOUN
fsr-3196	53	37	loans	loan	NOUN
fsr-3196	53	38	or	or	CCONJ
fsr-3196	53	39	lapse	lapse	NOUN
fsr-3196	53	40	the	the	DET
fsr-3196	53	41	policies	policy	NOUN
fsr-3196	53	42	to	to	PART
fsr-3196	53	43	make	make	VERB
fsr-3196	53	44	the	the	DET
fsr-3196	53	45	funds	fund	NOUN
fsr-3196	53	46	available	available	ADJ
fsr-3196	53	47	to	to	PART
fsr-3196	53	48	earn	earn	VERB
fsr-3196	53	49	the	the	DET
fsr-3196	53	50	higher	high	ADJ
fsr-3196	53	51	rates	rate	NOUN
fsr-3196	53	52	.	.	PUNCT
fsr-3196	54	1	russell	russell	PROPN
fsr-3196	54	2	et	et	PROPN
fsr-3196	54	3	al	al	PROPN
fsr-3196	54	4	.	.	PROPN
fsr-3196	55	1	(	(	PUNCT
fsr-3196	55	2	2013	2013	NUM
fsr-3196	55	3	)	)	PUNCT
fsr-3196	55	4	,	,	PUNCT
fsr-3196	55	5	building	build	VERB
fsr-3196	55	6	upon	upon	SCONJ
fsr-3196	55	7	empirical	empirical	ADJ
fsr-3196	55	8	research	research	NOUN
fsr-3196	55	9	by	by	ADP
fsr-3196	55	10	outreville	outreville	NOUN
fsr-3196	55	11	(	(	PUNCT
fsr-3196	55	12	1990	1990	NUM
fsr-3196	55	13	)	)	PUNCT
fsr-3196	55	14	,	,	PUNCT
fsr-3196	55	15	articulate	articulate	VERB
fsr-3196	55	16	the	the	DET
fsr-3196	55	17	prh	prh	NOUN
fsr-3196	55	18	which	which	PRON
fsr-3196	55	19	suggests	suggest	VERB
fsr-3196	55	20	that	that	SCONJ
fsr-3196	55	21	policyholders	policyholder	NOUN
fsr-3196	55	22	will	will	AUX
fsr-3196	55	23	surrender	surrender	VERB
fsr-3196	55	24	their	their	PRON
fsr-3196	55	25	policies	policy	NOUN
fsr-3196	55	26	to	to	PART
fsr-3196	55	27	replace	replace	VERB
fsr-3196	55	28	them	they	PRON
fsr-3196	55	29	with	with	ADP
fsr-3196	55	30	a	a	DET
fsr-3196	55	31	policy	policy	NOUN
fsr-3196	55	32	with	with	ADP
fsr-3196	55	33	better	well	ADJ
fsr-3196	55	34	pricing	pricing	NOUN
fsr-3196	55	35	or	or	CCONJ
fsr-3196	55	36	more	more	ADV
fsr-3196	55	37	favorable	favorable	ADJ
fsr-3196	55	38	terms	term	NOUN
fsr-3196	55	39	.	.	PUNCT
fsr-3196	56	1	cole	cole	NOUN
fsr-3196	56	2	and	and	CCONJ
fsr-3196	56	3	fier	fier	X
fsr-3196	56	4	(	(	PUNCT
fsr-3196	56	5	2021	2021	NUM
fsr-3196	56	6	)	)	PUNCT
fsr-3196	56	7	find	find	VERB
fsr-3196	56	8	that	that	SCONJ
fsr-3196	56	9	policyholders	policyholder	NOUN
fsr-3196	56	10	tend	tend	VERB
fsr-3196	56	11	to	to	PART
fsr-3196	56	12	surrender	surrender	VERB
fsr-3196	56	13	their	their	PRON
fsr-3196	56	14	policies	policy	NOUN
fsr-3196	56	15	for	for	ADP
fsr-3196	56	16	the	the	DET
fsr-3196	56	17	cash	cash	NOUN
fsr-3196	56	18	values	value	NOUN
fsr-3196	56	19	when	when	SCONJ
fsr-3196	56	20	confronted	confront	VERB
fsr-3196	56	21	with	with	ADP
fsr-3196	56	22	longer	long	ADJ
fsr-3196	56	23	-	-	PUNCT
fsr-3196	56	24	term	term	NOUN
fsr-3196	56	25	financial	financial	ADJ
fsr-3196	56	26	issues	issue	NOUN
fsr-3196	56	27	and	and	CCONJ
fsr-3196	56	28	tend	tend	VERB
fsr-3196	56	29	to	to	PART
fsr-3196	56	30	take	take	VERB
fsr-3196	56	31	policy	policy	NOUN
fsr-3196	56	32	loans	loan	NOUN
fsr-3196	56	33	when	when	SCONJ
fsr-3196	56	34	b.	b.	PROPN
fsr-3196	56	35	s.	s.	PROPN
fsr-3196	56	36	mulholland	mulholland	PROPN
fsr-3196	56	37	and	and	CCONJ
fsr-3196	56	38	m.	m.	PROPN
fsr-3196	56	39	s.	s.	PROPN
fsr-3196	56	40	finke	finke	PROPN
fsr-3196	56	41	/	/	SYM
fsr-3196	56	42	financial	financial	ADJ
fsr-3196	56	43	services	service	NOUN
fsr-3196	56	44	review	review	VERB
fsr-3196	56	45	31	31	NUM
fsr-3196	56	46	(	(	PUNCT
fsr-3196	56	47	2023	2023	NUM
fsr-3196	56	48	)	)	PUNCT
fsr-3196	57	1	73–96	73–96	NUM
fsr-3196	57	2	75	75	NUM
fsr-3196	57	3	dealing	deal	VERB
fsr-3196	57	4	with	with	ADP
fsr-3196	57	5	shorter	short	ADJ
fsr-3196	57	6	-	-	PUNCT
fsr-3196	57	7	term	term	NOUN
fsr-3196	57	8	financial	financial	ADJ
fsr-3196	57	9	crises	crisis	NOUN
fsr-3196	57	10	.	.	PUNCT
fsr-3196	58	1	their	their	PRON
fsr-3196	58	2	findings	finding	NOUN
fsr-3196	58	3	support	support	VERB
fsr-3196	58	4	the	the	DET
fsr-3196	58	5	emergency	emergency	NOUN
fsr-3196	58	6	fund	fund	NOUN
fsr-3196	58	7	,	,	PUNCT
fsr-3196	58	8	alternative	alternative	ADJ
fsr-3196	58	9	funds	fund	NOUN
fsr-3196	58	10	(	(	PUNCT
fsr-3196	58	11	interest	interest	NOUN
fsr-3196	58	12	rate	rate	NOUN
fsr-3196	58	13	)	)	PUNCT
fsr-3196	58	14	,	,	PUNCT
fsr-3196	58	15	and	and	CCONJ
fsr-3196	58	16	the	the	DET
fsr-3196	58	17	policy	policy	NOUN
fsr-3196	58	18	replacement	replacement	NOUN
fsr-3196	58	19	hypotheses	hypothesis	NOUN
fsr-3196	58	20	.	.	PUNCT
fsr-3196	59	1	nolte	nolte	PROPN
fsr-3196	59	2	and	and	CCONJ
fsr-3196	59	3	schneider	schneider	NOUN
fsr-3196	59	4	(	(	PUNCT
fsr-3196	59	5	2017	2017	NUM
fsr-3196	59	6	)	)	PUNCT
fsr-3196	59	7	find	find	VERB
fsr-3196	59	8	mixed	mixed	ADJ
fsr-3196	59	9	results	result	NOUN
fsr-3196	59	10	of	of	ADP
fsr-3196	59	11	policyholders	policyholder	NOUN
fsr-3196	59	12	surrendering	surrender	VERB
fsr-3196	59	13	policies	policy	NOUN
fsr-3196	59	14	before	before	ADP
fsr-3196	59	15	the	the	DET
fsr-3196	59	16	optimal	optimal	ADJ
fsr-3196	59	17	time	time	NOUN
fsr-3196	59	18	to	to	PART
fsr-3196	59	19	surrender	surrender	VERB
fsr-3196	59	20	the	the	DET
fsr-3196	59	21	policy	policy	NOUN
fsr-3196	59	22	under	under	ADP
fsr-3196	59	23	the	the	DET
fsr-3196	59	24	efh	efh	NOUN
fsr-3196	59	25	,	,	PUNCT
fsr-3196	59	26	which	which	PRON
fsr-3196	59	27	is	be	AUX
fsr-3196	59	28	when	when	SCONJ
fsr-3196	59	29	there	there	PRON
fsr-3196	59	30	are	be	VERB
fsr-3196	59	31	no	no	DET
fsr-3196	59	32	other	other	ADJ
fsr-3196	59	33	liquidity	liquidity	NOUN
fsr-3196	59	34	options	option	NOUN
fsr-3196	59	35	available	available	ADJ
fsr-3196	59	36	.	.	PUNCT
fsr-3196	60	1	their	their	PRON
fsr-3196	60	2	analysis	analysis	NOUN
fsr-3196	60	3	suggests	suggest	VERB
fsr-3196	60	4	behavioral	behavioral	ADJ
fsr-3196	60	5	issues	issue	NOUN
fsr-3196	60	6	have	have	VERB
fsr-3196	60	7	a	a	DET
fsr-3196	60	8	meaningful	meaningful	ADJ
fsr-3196	60	9	impact	impact	NOUN
fsr-3196	60	10	on	on	ADP
fsr-3196	60	11	surrender	surrender	NOUN
fsr-3196	60	12	decisions	decision	NOUN
fsr-3196	60	13	,	,	PUNCT
fsr-3196	60	14	with	with	ADP
fsr-3196	60	15	more	more	ADV
fsr-3196	60	16	financially	financially	ADV
fsr-3196	60	17	literate	literate	ADJ
fsr-3196	60	18	policyholders	policyholder	NOUN
fsr-3196	60	19	being	be	AUX
fsr-3196	60	20	less	less	ADV
fsr-3196	60	21	likely	likely	ADJ
fsr-3196	60	22	to	to	PART
fsr-3196	60	23	make	make	VERB
fsr-3196	60	24	suboptimal	suboptimal	ADJ
fsr-3196	60	25	policy	policy	NOUN
fsr-3196	60	26	surrender	surrender	NOUN
fsr-3196	60	27	decisions	decision	NOUN
fsr-3196	60	28	.	.	PUNCT
fsr-3196	61	1	our	our	PRON
fsr-3196	61	2	analysis	analysis	NOUN
fsr-3196	61	3	will	will	AUX
fsr-3196	61	4	be	be	AUX
fsr-3196	61	5	limited	limit	VERB
fsr-3196	61	6	to	to	ADP
fsr-3196	61	7	the	the	DET
fsr-3196	61	8	use	use	NOUN
fsr-3196	61	9	of	of	ADP
fsr-3196	61	10	the	the	DET
fsr-3196	61	11	efh	efh	NOUN
fsr-3196	61	12	for	for	ADP
fsr-3196	61	13	several	several	ADJ
fsr-3196	61	14	reasons	reason	NOUN
fsr-3196	61	15	.	.	PUNCT
fsr-3196	62	1	first	first	ADV
fsr-3196	62	2	,	,	PUNCT
fsr-3196	62	3	the	the	DET
fsr-3196	62	4	data	datum	NOUN
fsr-3196	62	5	we	we	PRON
fsr-3196	62	6	use	use	VERB
fsr-3196	62	7	is	be	AUX
fsr-3196	62	8	limited	limit	VERB
fsr-3196	62	9	in	in	ADP
fsr-3196	62	10	the	the	DET
fsr-3196	62	11	cross	cross	NOUN
fsr-3196	62	12	-	-	NOUN
fsr-3196	62	13	section	section	NOUN
fsr-3196	62	14	of	of	ADP
fsr-3196	62	15	the	the	DET
fsr-3196	62	16	policyholders	policyholder	NOUN
fsr-3196	62	17	who	who	PRON
fsr-3196	62	18	indicate	indicate	VERB
fsr-3196	62	19	they	they	PRON
fsr-3196	62	20	lapse	lapse	VERB
fsr-3196	62	21	a	a	DET
fsr-3196	62	22	policy	policy	NOUN
fsr-3196	62	23	with	with	ADP
fsr-3196	62	24	the	the	DET
fsr-3196	62	25	intention	intention	NOUN
fsr-3196	62	26	of	of	ADP
fsr-3196	62	27	replacing	replace	VERB
fsr-3196	62	28	it	it	PRON
fsr-3196	62	29	with	with	ADP
fsr-3196	62	30	another	another	DET
fsr-3196	62	31	policy	policy	NOUN
fsr-3196	62	32	,	,	PUNCT
fsr-3196	62	33	a	a	DET
fsr-3196	62	34	practice	practice	NOUN
fsr-3196	62	35	fang	fang	NOUN
fsr-3196	62	36	and	and	CCONJ
fsr-3196	62	37	kung	kung	PROPN
fsr-3196	62	38	(	(	PUNCT
fsr-3196	62	39	2012	2012	NUM
fsr-3196	62	40	)	)	PUNCT
fsr-3196	62	41	refer	refer	VERB
fsr-3196	62	42	to	to	ADP
fsr-3196	62	43	as	as	ADP
fsr-3196	62	44	insurance	insurance	NOUN
fsr-3196	62	45	optimization	optimization	NOUN
fsr-3196	62	46	.	.	PUNCT
fsr-3196	63	1	fier	fier	NOUN
fsr-3196	63	2	and	and	CCONJ
fsr-3196	63	3	liebenberg	liebenberg	ADV
fsr-3196	63	4	(	(	PUNCT
fsr-3196	63	5	2013	2013	NUM
fsr-3196	63	6	)	)	PUNCT
fsr-3196	63	7	use	use	VERB
fsr-3196	63	8	longitudinal	longitudinal	ADJ
fsr-3196	63	9	hrs	hrs	NOUN
fsr-3196	63	10	data	datum	NOUN
fsr-3196	63	11	from	from	ADP
fsr-3196	63	12	the	the	DET
fsr-3196	63	13	1996	1996	NUM
fsr-3196	63	14	through	through	ADP
fsr-3196	63	15	2008	2008	NUM
fsr-3196	63	16	waves	wave	NOUN
fsr-3196	63	17	in	in	ADP
fsr-3196	63	18	their	their	PRON
fsr-3196	63	19	analysis	analysis	NOUN
fsr-3196	63	20	of	of	ADP
fsr-3196	63	21	the	the	DET
fsr-3196	63	22	prh	prh	NOUN
fsr-3196	63	23	.	.	PUNCT
fsr-3196	64	1	second	second	ADJ
fsr-3196	64	2	,	,	PUNCT
fsr-3196	64	3	liebenberg	liebenberg	ADV
fsr-3196	64	4	et	et	PROPN
fsr-3196	64	5	al	al	PROPN
fsr-3196	64	6	.	.	PROPN
fsr-3196	65	1	(	(	PUNCT
fsr-3196	65	2	2010	2010	NUM
fsr-3196	65	3	)	)	PUNCT
fsr-3196	65	4	suggest	suggest	VERB
fsr-3196	65	5	that	that	SCONJ
fsr-3196	65	6	different	different	ADJ
fsr-3196	65	7	types	type	NOUN
fsr-3196	65	8	of	of	ADP
fsr-3196	65	9	data	datum	NOUN
fsr-3196	65	10	allow	allow	VERB
fsr-3196	65	11	for	for	ADP
fsr-3196	65	12	better	well	ADJ
fsr-3196	65	13	analysis	analysis	NOUN
fsr-3196	65	14	when	when	SCONJ
fsr-3196	65	15	exploring	explore	VERB
fsr-3196	65	16	the	the	DET
fsr-3196	65	17	irh	irh	NOUN
fsr-3196	65	18	and	and	CCONJ
fsr-3196	65	19	the	the	DET
fsr-3196	65	20	efh	efh	NOUN
fsr-3196	65	21	.	.	PUNCT
fsr-3196	66	1	they	they	PRON
fsr-3196	66	2	suggest	suggest	VERB
fsr-3196	66	3	that	that	SCONJ
fsr-3196	66	4	the	the	DET
fsr-3196	66	5	irh	irh	NOUN
fsr-3196	66	6	is	be	AUX
fsr-3196	66	7	best	well	ADV
fsr-3196	66	8	explored	explore	VERB
fsr-3196	66	9	with	with	ADP
fsr-3196	66	10	aggregate	aggregate	ADJ
fsr-3196	66	11	-	-	PUNCT
fsr-3196	66	12	level	level	NOUN
fsr-3196	66	13	data	datum	NOUN
fsr-3196	66	14	while	while	SCONJ
fsr-3196	66	15	the	the	DET
fsr-3196	66	16	efh	efh	NOUN
fsr-3196	66	17	is	be	AUX
fsr-3196	66	18	best	well	ADV
fsr-3196	66	19	examined	examine	VERB
fsr-3196	66	20	with	with	ADP
fsr-3196	66	21	household	household	NOUN
fsr-3196	66	22	-	-	PUNCT
fsr-3196	66	23	level	level	NOUN
fsr-3196	66	24	data	datum	NOUN
fsr-3196	66	25	.	.	PUNCT
fsr-3196	67	1	the	the	DET
fsr-3196	67	2	data	datum	NOUN
fsr-3196	67	3	used	use	VERB
fsr-3196	67	4	in	in	ADP
fsr-3196	67	5	our	our	PRON
fsr-3196	67	6	analysis	analysis	NOUN
fsr-3196	67	7	is	be	AUX
fsr-3196	67	8	household	household	NOUN
fsr-3196	67	9	-	-	PUNCT
fsr-3196	67	10	level	level	NOUN
fsr-3196	67	11	in	in	ADP
fsr-3196	67	12	scope	scope	NOUN
fsr-3196	67	13	,	,	PUNCT
fsr-3196	67	14	thus	thus	ADV
fsr-3196	67	15	we	we	PRON
fsr-3196	67	16	limit	limit	VERB
fsr-3196	67	17	our	our	PRON
fsr-3196	67	18	analysis	analysis	NOUN
fsr-3196	67	19	to	to	ADP
fsr-3196	67	20	the	the	DET
fsr-3196	67	21	efh	efh	NOUN
fsr-3196	67	22	.	.	PUNCT
fsr-3196	68	1	cognitive	cognitive	ADJ
fsr-3196	68	2	ability	ability	NOUN
fsr-3196	68	3	and	and	CCONJ
fsr-3196	68	4	its	its	PRON
fsr-3196	68	5	impact	impact	NOUN
fsr-3196	68	6	on	on	ADP
fsr-3196	68	7	financial	financial	ADJ
fsr-3196	68	8	decision	decision	NOUN
fsr-3196	68	9	-	-	PUNCT
fsr-3196	68	10	making	making	NOUN
fsr-3196	68	11	have	have	AUX
fsr-3196	68	12	been	be	AUX
fsr-3196	68	13	an	an	DET
fsr-3196	68	14	important	important	ADJ
fsr-3196	68	15	area	area	NOUN
fsr-3196	68	16	of	of	ADP
fsr-3196	68	17	current	current	ADJ
fsr-3196	68	18	research	research	NOUN
fsr-3196	68	19	(	(	PUNCT
fsr-3196	68	20	banks	bank	NOUN
fsr-3196	68	21	&	&	CCONJ
fsr-3196	68	22	oldfield	oldfield	PROPN
fsr-3196	68	23	,	,	PUNCT
fsr-3196	68	24	2007	2007	NUM
fsr-3196	68	25	;	;	PUNCT
fsr-3196	68	26	christelis	christeli	VERB
fsr-3196	68	27	et	et	PROPN
fsr-3196	68	28	al	al	PROPN
fsr-3196	68	29	.	.	PROPN
fsr-3196	68	30	,	,	PUNCT
fsr-3196	68	31	2010	2010	NUM
fsr-3196	68	32	;	;	PUNCT
fsr-3196	68	33	lusardi	lusardi	PROPN
fsr-3196	68	34	&	&	CCONJ
fsr-3196	68	35	tufano	tufano	PROPN
fsr-3196	68	36	,	,	PUNCT
fsr-3196	68	37	2009	2009	NUM
fsr-3196	68	38	;	;	PUNCT
fsr-3196	69	1	mcardle	mcardle	PROPN
fsr-3196	69	2	et	et	PROPN
fsr-3196	69	3	al	al	PROPN
fsr-3196	69	4	.	.	PROPN
fsr-3196	69	5	,	,	PUNCT
fsr-3196	69	6	2011	2011	NUM
fsr-3196	69	7	;	;	PUNCT
fsr-3196	69	8	smith	smith	PROPN
fsr-3196	69	9	et	et	PROPN
fsr-3196	69	10	al	al	PROPN
fsr-3196	69	11	.	.	PROPN
fsr-3196	69	12	,	,	PUNCT
fsr-3196	69	13	2010	2010	NUM
fsr-3196	69	14	)	)	PUNCT
fsr-3196	69	15	.	.	PUNCT
fsr-3196	70	1	consideration	consideration	NOUN
fsr-3196	70	2	has	have	AUX
fsr-3196	70	3	been	be	AUX
fsr-3196	70	4	given	give	VERB
fsr-3196	70	5	to	to	ADP
fsr-3196	70	6	whether	whether	SCONJ
fsr-3196	70	7	fluid	fluid	ADJ
fsr-3196	70	8	intelligence	intelligence	NOUN
fsr-3196	70	9	or	or	CCONJ
fsr-3196	70	10	crystallized	crystallize	VERB
fsr-3196	70	11	intelligence	intelligence	NOUN
fsr-3196	70	12	is	be	AUX
fsr-3196	70	13	the	the	DET
fsr-3196	70	14	most	most	ADV
fsr-3196	70	15	important	important	ADJ
fsr-3196	70	16	aspect	aspect	NOUN
fsr-3196	70	17	of	of	ADP
fsr-3196	70	18	cognition	cognition	NOUN
fsr-3196	70	19	.	.	PUNCT
fsr-3196	71	1	as	as	SCONJ
fsr-3196	71	2	defined	define	VERB
fsr-3196	71	3	by	by	ADP
fsr-3196	71	4	smith	smith	PROPN
fsr-3196	71	5	et	et	PROPN
fsr-3196	71	6	al	al	PROPN
fsr-3196	71	7	.	.	PROPN
fsr-3196	72	1	(	(	PUNCT
fsr-3196	72	2	2010	2010	NUM
fsr-3196	72	3	)	)	PUNCT
fsr-3196	72	4	,	,	PUNCT
fsr-3196	72	5	fluid	fluid	ADJ
fsr-3196	72	6	intelligence	intelligence	NOUN
fsr-3196	72	7	is	be	AUX
fsr-3196	72	8	deliberate	deliberate	ADJ
fsr-3196	72	9	processing	processing	NOUN
fsr-3196	72	10	or	or	CCONJ
fsr-3196	72	11	the	the	DET
fsr-3196	72	12	ability	ability	NOUN
fsr-3196	72	13	to	to	PART
fsr-3196	72	14	think	think	VERB
fsr-3196	72	15	about	about	ADP
fsr-3196	72	16	a	a	DET
fsr-3196	72	17	problem	problem	NOUN
fsr-3196	72	18	in	in	ADP
fsr-3196	72	19	a	a	DET
fsr-3196	72	20	clear	clear	ADJ
fsr-3196	72	21	and	and	CCONJ
fsr-3196	72	22	quick	quick	ADJ
fsr-3196	72	23	manner	manner	NOUN
fsr-3196	72	24	,	,	PUNCT
fsr-3196	72	25	while	while	SCONJ
fsr-3196	72	26	crystallized	crystallized	ADJ
fsr-3196	72	27	intelligence	intelligence	NOUN
fsr-3196	72	28	is	be	AUX
fsr-3196	72	29	the	the	DET
fsr-3196	72	30	accumulation	accumulation	NOUN
fsr-3196	72	31	of	of	ADP
fsr-3196	72	32	relevant	relevant	ADJ
fsr-3196	72	33	knowledge	knowledge	NOUN
fsr-3196	72	34	about	about	ADP
fsr-3196	72	35	various	various	ADJ
fsr-3196	72	36	problems	problem	NOUN
fsr-3196	72	37	through	through	ADP
fsr-3196	72	38	education	education	NOUN
fsr-3196	72	39	and	and	CCONJ
fsr-3196	72	40	lifetime	lifetime	NOUN
fsr-3196	72	41	experience	experience	NOUN
fsr-3196	72	42	.	.	PUNCT
fsr-3196	73	1	smith	smith	PROPN
fsr-3196	73	2	et	et	PROPN
fsr-3196	73	3	al	al	PROPN
fsr-3196	73	4	.	.	PROPN
fsr-3196	74	1	(	(	PUNCT
fsr-3196	74	2	2010	2010	NUM
fsr-3196	74	3	)	)	PUNCT
fsr-3196	74	4	create	create	VERB
fsr-3196	74	5	a	a	DET
fsr-3196	74	6	shorthand	shorthand	NOUN
fsr-3196	74	7	division	division	NOUN
fsr-3196	74	8	of	of	ADP
fsr-3196	74	9	the	the	DET
fsr-3196	74	10	two	two	NUM
fsr-3196	74	11	components	component	NOUN
fsr-3196	74	12	of	of	ADP
fsr-3196	74	13	intelligence	intelligence	NOUN
fsr-3196	74	14	by	by	ADP
fsr-3196	74	15	defining	define	VERB
fsr-3196	74	16	fluid	fluid	ADJ
fsr-3196	74	17	intelligence	intelligence	NOUN
fsr-3196	74	18	as	as	ADP
fsr-3196	74	19	the	the	DET
fsr-3196	74	20	thinking	thinking	NOUN
fsr-3196	74	21	part	part	NOUN
fsr-3196	74	22	involving	involve	VERB
fsr-3196	74	23	memory	memory	NOUN
fsr-3196	74	24	,	,	PUNCT
fsr-3196	74	25	abstract	abstract	ADJ
fsr-3196	74	26	reasoning	reasoning	NOUN
fsr-3196	74	27	,	,	PUNCT
fsr-3196	74	28	and	and	CCONJ
fsr-3196	74	29	executive	executive	ADJ
fsr-3196	74	30	function	function	NOUN
fsr-3196	74	31	or	or	CCONJ
fsr-3196	74	32	decision	decision	NOUN
fsr-3196	74	33	-	-	PUNCT
fsr-3196	74	34	making	making	NOUN
fsr-3196	74	35	,	,	PUNCT
fsr-3196	74	36	and	and	CCONJ
fsr-3196	74	37	defining	define	VERB
fsr-3196	74	38	crystallized	crystallized	ADJ
fsr-3196	74	39	intelligence	intelligence	NOUN
fsr-3196	74	40	as	as	ADP
fsr-3196	74	41	the	the	DET
fsr-3196	74	42	knowing	knowing	ADJ
fsr-3196	74	43	part	part	NOUN
fsr-3196	74	44	consisting	consist	VERB
fsr-3196	74	45	of	of	ADP
fsr-3196	74	46	education	education	NOUN
fsr-3196	74	47	and	and	CCONJ
fsr-3196	74	48	lifetime	lifetime	NOUN
fsr-3196	74	49	experience	experience	NOUN
fsr-3196	74	50	.	.	PUNCT
fsr-3196	75	1	several	several	ADJ
fsr-3196	75	2	measures	measure	NOUN
fsr-3196	75	3	exist	exist	VERB
fsr-3196	75	4	within	within	ADP
fsr-3196	75	5	these	these	DET
fsr-3196	75	6	areas	area	NOUN
fsr-3196	75	7	of	of	ADP
fsr-3196	75	8	intelligence	intelligence	NOUN
fsr-3196	75	9	and	and	CCONJ
fsr-3196	75	10	have	have	AUX
fsr-3196	75	11	been	be	AUX
fsr-3196	75	12	used	use	VERB
fsr-3196	75	13	by	by	ADP
fsr-3196	75	14	researchers	researcher	NOUN
fsr-3196	75	15	as	as	SCONJ
fsr-3196	75	16	they	they	PRON
fsr-3196	75	17	explore	explore	VERB
fsr-3196	75	18	the	the	DET
fsr-3196	75	19	impact	impact	NOUN
fsr-3196	75	20	of	of	ADP
fsr-3196	75	21	cognitive	cognitive	ADJ
fsr-3196	75	22	ability	ability	NOUN
fsr-3196	75	23	on	on	ADP
fsr-3196	75	24	financial	financial	ADJ
fsr-3196	75	25	decisions	decision	NOUN
fsr-3196	75	26	.	.	PUNCT
fsr-3196	76	1	smith	smith	PROPN
fsr-3196	76	2	et	et	PROPN
fsr-3196	76	3	al	al	PROPN
fsr-3196	76	4	.	.	PROPN
fsr-3196	77	1	(	(	PUNCT
fsr-3196	77	2	2010	2010	NUM
fsr-3196	77	3	)	)	PUNCT
fsr-3196	77	4	indicate	indicate	VERB
fsr-3196	77	5	that	that	SCONJ
fsr-3196	77	6	the	the	DET
fsr-3196	77	7	three	three	NUM
fsr-3196	77	8	measures	measure	NOUN
fsr-3196	77	9	are	be	AUX
fsr-3196	77	10	:	:	PUNCT
fsr-3196	77	11	(	(	PUNCT
fsr-3196	77	12	1	1	X
fsr-3196	77	13	)	)	PUNCT
fsr-3196	77	14	episodic	episodic	ADJ
fsr-3196	77	15	memory	memory	NOUN
fsr-3196	77	16	,	,	PUNCT
fsr-3196	77	17	which	which	PRON
fsr-3196	77	18	is	be	AUX
fsr-3196	77	19	used	use	VERB
fsr-3196	77	20	as	as	ADP
fsr-3196	77	21	a	a	DET
fsr-3196	77	22	general	general	ADJ
fsr-3196	77	23	measure	measure	NOUN
fsr-3196	77	24	of	of	ADP
fsr-3196	77	25	an	an	DET
fsr-3196	77	26	important	important	ADJ
fsr-3196	77	27	aspect	aspect	NOUN
fsr-3196	77	28	of	of	ADP
fsr-3196	77	29	fluid	fluid	ADJ
fsr-3196	77	30	intelligence	intelligence	NOUN
fsr-3196	77	31	because	because	SCONJ
fsr-3196	77	32	memory	memory	NOUN
fsr-3196	77	33	access	access	NOUN
fsr-3196	77	34	is	be	AUX
fsr-3196	77	35	important	important	ADJ
fsr-3196	77	36	to	to	ADP
fsr-3196	77	37	any	any	DET
fsr-3196	77	38	cognitive	cognitive	ADJ
fsr-3196	77	39	ability	ability	NOUN
fsr-3196	77	40	;	;	PUNCT
fsr-3196	77	41	(	(	PUNCT
fsr-3196	77	42	2	2	X
fsr-3196	77	43	)	)	PUNCT
fsr-3196	77	44	numeracy	numeracy	NOUN
fsr-3196	77	45	,	,	PUNCT
fsr-3196	77	46	which	which	PRON
fsr-3196	77	47	is	be	AUX
fsr-3196	77	48	used	use	VERB
fsr-3196	77	49	to	to	PART
fsr-3196	77	50	measure	measure	VERB
fsr-3196	77	51	the	the	DET
fsr-3196	77	52	actual	actual	ADJ
fsr-3196	77	53	ability	ability	NOUN
fsr-3196	77	54	to	to	PART
fsr-3196	77	55	perform	perform	VERB
fsr-3196	77	56	numerical	numerical	ADJ
fsr-3196	77	57	skills	skill	NOUN
fsr-3196	77	58	learned	learn	VERB
fsr-3196	77	59	in	in	ADP
fsr-3196	77	60	schools	school	NOUN
fsr-3196	77	61	and	and	CCONJ
fsr-3196	77	62	is	be	AUX
fsr-3196	77	63	used	use	VERB
fsr-3196	77	64	to	to	PART
fsr-3196	77	65	measure	measure	VERB
fsr-3196	77	66	crystallized	crystallized	ADJ
fsr-3196	77	67	intelligence	intelligence	NOUN
fsr-3196	77	68	;	;	PUNCT
fsr-3196	77	69	and	and	CCONJ
fsr-3196	77	70	(	(	PUNCT
fsr-3196	77	71	3	3	X
fsr-3196	77	72	)	)	PUNCT
fsr-3196	77	73	mental	mental	ADJ
fsr-3196	77	74	status	status	NOUN
fsr-3196	77	75	scores	score	NOUN
fsr-3196	77	76	,	,	PUNCT
fsr-3196	77	77	which	which	PRON
fsr-3196	77	78	measure	measure	VERB
fsr-3196	77	79	elements	element	NOUN
fsr-3196	77	80	of	of	ADP
fsr-3196	77	81	both	both	PRON
fsr-3196	77	82	fluid	fluid	ADJ
fsr-3196	77	83	and	and	CCONJ
fsr-3196	77	84	crystallized	crystallized	ADJ
fsr-3196	77	85	intelligence	intelligence	NOUN
fsr-3196	77	86	,	,	PUNCT
fsr-3196	77	87	non	non	ADJ
fsr-3196	77	88	-	-	ADJ
fsr-3196	77	89	specific	specific	ADJ
fsr-3196	77	90	cognitive	cognitive	ADJ
fsr-3196	77	91	skills	skill	NOUN
fsr-3196	77	92	needed	need	VERB
fsr-3196	77	93	for	for	ADP
fsr-3196	77	94	everything	everything	PRON
fsr-3196	77	95	.	.	PUNCT
fsr-3196	78	1	both	both	DET
fsr-3196	78	2	numeracy	numeracy	NOUN
fsr-3196	78	3	and	and	CCONJ
fsr-3196	78	4	episodic	episodic	ADJ
fsr-3196	78	5	memory	memory	NOUN
fsr-3196	78	6	are	be	AUX
fsr-3196	78	7	related	relate	VERB
fsr-3196	78	8	to	to	ADP
fsr-3196	78	9	household	household	NOUN
fsr-3196	78	10	total	total	ADJ
fsr-3196	78	11	wealth	wealth	NOUN
fsr-3196	78	12	and	and	CCONJ
fsr-3196	78	13	financial	financial	ADJ
fsr-3196	78	14	wealth	wealth	NOUN
fsr-3196	78	15	holdings	holding	NOUN
fsr-3196	78	16	.	.	PUNCT
fsr-3196	79	1	we	we	PRON
fsr-3196	79	2	model	model	VERB
fsr-3196	79	3	the	the	DET
fsr-3196	79	4	impact	impact	NOUN
fsr-3196	79	5	that	that	PRON
fsr-3196	79	6	a	a	DET
fsr-3196	79	7	policyholder	policyholder	NOUN
fsr-3196	79	8	’s	’s	PART
fsr-3196	79	9	cognitive	cognitive	ADJ
fsr-3196	79	10	ability	ability	NOUN
fsr-3196	79	11	,	,	PUNCT
fsr-3196	79	12	whether	whether	SCONJ
fsr-3196	79	13	measured	measure	VERB
fsr-3196	79	14	by	by	ADP
fsr-3196	79	15	episodic	episodic	ADJ
fsr-3196	79	16	memory	memory	NOUN
fsr-3196	79	17	or	or	CCONJ
fsr-3196	79	18	numeracy	numeracy	NOUN
fsr-3196	79	19	,	,	PUNCT
fsr-3196	79	20	has	have	VERB
fsr-3196	79	21	on	on	ADP
fsr-3196	79	22	the	the	DET
fsr-3196	79	23	probability	probability	NOUN
fsr-3196	79	24	of	of	ADP
fsr-3196	79	25	voluntarily	voluntarily	ADJ
fsr-3196	79	26	lapse	lapse	NOUN
fsr-3196	79	27	of	of	ADP
fsr-3196	79	28	a	a	DET
fsr-3196	79	29	life	life	NOUN
fsr-3196	79	30	insurance	insurance	NOUN
fsr-3196	79	31	policy	policy	NOUN
fsr-3196	79	32	when	when	SCONJ
fsr-3196	79	33	controlling	control	VERB
fsr-3196	79	34	for	for	ADP
fsr-3196	79	35	other	other	ADJ
fsr-3196	79	36	factors	factor	NOUN
fsr-3196	79	37	that	that	PRON
fsr-3196	79	38	have	have	AUX
fsr-3196	79	39	been	be	AUX
fsr-3196	79	40	shown	show	VERB
fsr-3196	79	41	to	to	PART
fsr-3196	79	42	predict	predict	VERB
fsr-3196	79	43	lapsation	lapsation	NOUN
fsr-3196	79	44	.	.	PUNCT
fsr-3196	80	1	76	76	NUM
fsr-3196	80	2	b.	b.	PROPN
fsr-3196	80	3	s.	s.	PROPN
fsr-3196	80	4	mulholland	mulholland	PROPN
fsr-3196	80	5	and	and	CCONJ
fsr-3196	80	6	m.	m.	PROPN
fsr-3196	80	7	s.	s.	PROPN
fsr-3196	80	8	finke	finke	PROPN
fsr-3196	80	9	/	/	SYM
fsr-3196	80	10	financial	financial	ADJ
fsr-3196	80	11	services	service	NOUN
fsr-3196	80	12	review	review	VERB
fsr-3196	80	13	31	31	NUM
fsr-3196	80	14	(	(	PUNCT
fsr-3196	80	15	2023	2023	NUM
fsr-3196	80	16	)	)	PUNCT
fsr-3196	81	1	73–96	73–96	NUM
fsr-3196	81	2	3	3	NUM
fsr-3196	81	3	.	.	PUNCT
fsr-3196	81	4	data	datum	NOUN
fsr-3196	81	5	and	and	CCONJ
fsr-3196	81	6	methods	method	NOUN
fsr-3196	81	7	3.1	3.1	NUM
fsr-3196	81	8	.	.	PUNCT
fsr-3196	81	9	data	datum	NOUN
fsr-3196	81	10	we	we	PRON
fsr-3196	81	11	use	use	VERB
fsr-3196	81	12	data	datum	NOUN
fsr-3196	81	13	from	from	ADP
fsr-3196	81	14	the	the	DET
fsr-3196	81	15	health	health	NOUN
fsr-3196	81	16	and	and	CCONJ
fsr-3196	81	17	retirement	retirement	NOUN
fsr-3196	81	18	study	study	NOUN
fsr-3196	81	19	(	(	PUNCT
fsr-3196	81	20	hrs	hrs	NOUN
fsr-3196	81	21	)	)	PUNCT
fsr-3196	81	22	from	from	ADP
fsr-3196	81	23	the	the	DET
fsr-3196	81	24	2008	2008	NUM
fsr-3196	81	25	and	and	CCONJ
fsr-3196	81	26	2010	2010	NUM
fsr-3196	81	27	waves	wave	NOUN
fsr-3196	81	28	(	(	PUNCT
fsr-3196	81	29	waves	wave	NOUN
fsr-3196	81	30	9	9	NUM
fsr-3196	81	31	and	and	CCONJ
fsr-3196	81	32	10	10	NUM
fsr-3196	81	33	)	)	PUNCT
fsr-3196	81	34	for	for	ADP
fsr-3196	81	35	our	our	PRON
fsr-3196	81	36	analysis	analysis	NOUN
fsr-3196	81	37	.	.	PUNCT
fsr-3196	82	1	the	the	DET
fsr-3196	82	2	hrs	hrs	NOUN
fsr-3196	82	3	is	be	AUX
fsr-3196	82	4	a	a	DET
fsr-3196	82	5	longitudinal	longitudinal	ADJ
fsr-3196	82	6	survey	survey	NOUN
fsr-3196	82	7	capturing	capture	VERB
fsr-3196	82	8	the	the	DET
fsr-3196	82	9	health	health	NOUN
fsr-3196	82	10	and	and	CCONJ
fsr-3196	82	11	economic	economic	ADJ
fsr-3196	82	12	circumstances	circumstance	NOUN
fsr-3196	82	13	of	of	ADP
fsr-3196	82	14	a	a	DET
fsr-3196	82	15	nationally	nationally	ADV
fsr-3196	82	16	representative	representative	ADJ
fsr-3196	82	17	sample	sample	NOUN
fsr-3196	82	18	of	of	ADP
fsr-3196	82	19	u.s	u.s	PROPN
fsr-3196	82	20	.	.	PROPN
fsr-3196	82	21	citizens	citizen	NOUN
fsr-3196	82	22	over	over	ADP
fsr-3196	82	23	the	the	DET
fsr-3196	82	24	age	age	NOUN
fsr-3196	82	25	of	of	ADP
fsr-3196	82	26	50	50	NUM
fsr-3196	82	27	.	.	PUNCT
fsr-3196	83	1	conducted	conduct	VERB
fsr-3196	83	2	every	every	DET
fsr-3196	83	3	two	two	NUM
fsr-3196	83	4	years	year	NOUN
fsr-3196	83	5	by	by	ADP
fsr-3196	83	6	the	the	DET
fsr-3196	83	7	institute	institute	NOUN
fsr-3196	83	8	for	for	ADP
fsr-3196	83	9	social	social	ADJ
fsr-3196	83	10	research	research	NOUN
fsr-3196	83	11	at	at	ADP
fsr-3196	83	12	the	the	DET
fsr-3196	83	13	university	university	PROPN
fsr-3196	83	14	of	of	ADP
fsr-3196	83	15	michigan	michigan	PROPN
fsr-3196	83	16	since	since	SCONJ
fsr-3196	83	17	its	its	PRON
fsr-3196	83	18	first	first	ADJ
fsr-3196	83	19	wave	wave	NOUN
fsr-3196	83	20	in	in	ADP
fsr-3196	83	21	1992	1992	NUM
fsr-3196	83	22	,	,	PUNCT
fsr-3196	83	23	the	the	DET
fsr-3196	83	24	original	original	ADJ
fsr-3196	83	25	cohort	cohort	NOUN
fsr-3196	83	26	has	have	AUX
fsr-3196	83	27	been	be	AUX
fsr-3196	83	28	interviewed	interview	VERB
fsr-3196	83	29	in	in	ADP
fsr-3196	83	30	each	each	DET
fsr-3196	83	31	wave	wave	NOUN
fsr-3196	83	32	.	.	PUNCT
fsr-3196	84	1	with	with	ADP
fsr-3196	84	2	attrition	attrition	NOUN
fsr-3196	84	3	over	over	ADP
fsr-3196	84	4	the	the	DET
fsr-3196	84	5	time	time	NOUN
fsr-3196	84	6	frame	frame	NOUN
fsr-3196	84	7	of	of	ADP
fsr-3196	84	8	the	the	DET
fsr-3196	84	9	survey	survey	NOUN
fsr-3196	84	10	,	,	PUNCT
fsr-3196	84	11	additional	additional	ADJ
fsr-3196	84	12	cohorts	cohort	NOUN
fsr-3196	84	13	have	have	AUX
fsr-3196	84	14	been	be	AUX
fsr-3196	84	15	added	add	VERB
fsr-3196	84	16	in	in	ADP
fsr-3196	84	17	the	the	DET
fsr-3196	84	18	ensuing	ensue	VERB
fsr-3196	84	19	years	year	NOUN
fsr-3196	84	20	,	,	PUNCT
fsr-3196	84	21	bringing	bring	VERB
fsr-3196	84	22	the	the	DET
fsr-3196	84	23	complete	complete	ADJ
fsr-3196	84	24	sample	sample	NOUN
fsr-3196	84	25	size	size	NOUN
fsr-3196	84	26	to	to	ADP
fsr-3196	84	27	nearly	nearly	ADV
fsr-3196	84	28	37,000	37,000	NUM
fsr-3196	84	29	individuals	individual	NOUN
fsr-3196	84	30	who	who	PRON
fsr-3196	84	31	participated	participate	VERB
fsr-3196	84	32	in	in	ADP
fsr-3196	84	33	the	the	DET
fsr-3196	84	34	survey	survey	NOUN
fsr-3196	84	35	to	to	ADP
fsr-3196	84	36	some	some	DET
fsr-3196	84	37	extent	extent	NOUN
fsr-3196	84	38	throughout	throughout	ADP
fsr-3196	84	39	the	the	DET
fsr-3196	84	40	life	life	NOUN
fsr-3196	84	41	span	span	NOUN
fsr-3196	84	42	of	of	ADP
fsr-3196	84	43	the	the	DET
fsr-3196	84	44	survey	survey	NOUN
fsr-3196	84	45	.	.	PUNCT
fsr-3196	85	1	the	the	DET
fsr-3196	85	2	hrs	hrs	NOUN
fsr-3196	85	3	is	be	AUX
fsr-3196	85	4	supported	support	VERB
fsr-3196	85	5	by	by	ADP
fsr-3196	85	6	the	the	DET
fsr-3196	85	7	national	national	PROPN
fsr-3196	85	8	institute	institute	PROPN
fsr-3196	85	9	on	on	ADP
fsr-3196	85	10	aging	age	VERB
fsr-3196	85	11	(	(	PUNCT
fsr-3196	85	12	nia	nia	PROPN
fsr-3196	85	13	)	)	PUNCT
fsr-3196	85	14	and	and	CCONJ
fsr-3196	85	15	the	the	DET
fsr-3196	85	16	social	social	ADJ
fsr-3196	85	17	security	security	NOUN
fsr-3196	85	18	administration	administration	NOUN
fsr-3196	85	19	(	(	PUNCT
fsr-3196	85	20	ssa	ssa	PROPN
fsr-3196	85	21	)	)	PUNCT
fsr-3196	85	22	.	.	PUNCT
fsr-3196	86	1	liebenberg	liebenberg	ADV
fsr-3196	86	2	et	et	PROPN
fsr-3196	86	3	al	al	PROPN
fsr-3196	86	4	.	.	PROPN
fsr-3196	87	1	(	(	PUNCT
fsr-3196	87	2	2012	2012	NUM
fsr-3196	87	3	)	)	PUNCT
fsr-3196	87	4	indicate	indicate	VERB
fsr-3196	87	5	that	that	SCONJ
fsr-3196	87	6	household	household	NOUN
fsr-3196	87	7	-	-	PUNCT
fsr-3196	87	8	level	level	NOUN
fsr-3196	87	9	panel	panel	NOUN
fsr-3196	87	10	data	datum	NOUN
fsr-3196	87	11	are	be	AUX
fsr-3196	87	12	well	well	ADV
fsr-3196	87	13	suited	suited	ADJ
fsr-3196	87	14	for	for	ADP
fsr-3196	87	15	showing	show	VERB
fsr-3196	87	16	the	the	DET
fsr-3196	87	17	impact	impact	NOUN
fsr-3196	87	18	of	of	ADP
fsr-3196	87	19	events	event	NOUN
fsr-3196	87	20	at	at	ADP
fsr-3196	87	21	the	the	DET
fsr-3196	87	22	household	household	NOUN
fsr-3196	87	23	-	-	PUNCT
fsr-3196	87	24	level	level	NOUN
fsr-3196	87	25	on	on	ADP
fsr-3196	87	26	the	the	DET
fsr-3196	87	27	financial	financial	ADJ
fsr-3196	87	28	decisions	decision	NOUN
fsr-3196	87	29	made	make	VERB
fsr-3196	87	30	by	by	ADP
fsr-3196	87	31	these	these	DET
fsr-3196	87	32	households	household	NOUN
fsr-3196	87	33	.	.	PUNCT
fsr-3196	88	1	we	we	PRON
fsr-3196	88	2	use	use	VERB
fsr-3196	88	3	the	the	DET
fsr-3196	88	4	hrs	hrs	NOUN
fsr-3196	88	5	survey	survey	NOUN
fsr-3196	88	6	because	because	SCONJ
fsr-3196	88	7	it	it	PRON
fsr-3196	88	8	has	have	VERB
fsr-3196	88	9	extensive	extensive	ADJ
fsr-3196	88	10	information	information	NOUN
fsr-3196	88	11	on	on	ADP
fsr-3196	88	12	life	life	NOUN
fsr-3196	88	13	insurance	insurance	NOUN
fsr-3196	88	14	ownership	ownership	NOUN
fsr-3196	88	15	choices	choice	NOUN
fsr-3196	88	16	made	make	VERB
fsr-3196	88	17	by	by	ADP
fsr-3196	88	18	household	household	NOUN
fsr-3196	88	19	members	member	NOUN
fsr-3196	88	20	as	as	ADV
fsr-3196	88	21	well	well	ADV
fsr-3196	88	22	as	as	ADP
fsr-3196	88	23	respondent	respondent	NOUN
fsr-3196	88	24	and	and	CCONJ
fsr-3196	88	25	household	household	NOUN
fsr-3196	88	26	information	information	NOUN
fsr-3196	88	27	on	on	ADP
fsr-3196	88	28	health	health	NOUN
fsr-3196	88	29	,	,	PUNCT
fsr-3196	88	30	income	income	NOUN
fsr-3196	88	31	,	,	PUNCT
fsr-3196	88	32	wealth	wealth	NOUN
fsr-3196	88	33	,	,	PUNCT
fsr-3196	88	34	and	and	CCONJ
fsr-3196	88	35	family	family	NOUN
fsr-3196	88	36	structure	structure	NOUN
fsr-3196	88	37	.	.	PUNCT
fsr-3196	89	1	our	our	PRON
fsr-3196	89	2	initial	initial	ADJ
fsr-3196	89	3	interest	interest	NOUN
fsr-3196	89	4	in	in	ADP
fsr-3196	89	5	modeling	model	VERB
fsr-3196	89	6	lapse	lapse	NOUN
fsr-3196	89	7	behavior	behavior	NOUN
fsr-3196	89	8	in	in	ADP
fsr-3196	89	9	the	the	DET
fsr-3196	89	10	presence	presence	NOUN
fsr-3196	89	11	of	of	ADP
fsr-3196	89	12	cognitive	cognitive	ADJ
fsr-3196	89	13	ability	ability	NOUN
fsr-3196	89	14	measures	measure	NOUN
fsr-3196	89	15	is	be	AUX
fsr-3196	89	16	on	on	ADP
fsr-3196	89	17	the	the	DET
fsr-3196	89	18	identified	identify	VERB
fsr-3196	89	19	respondents	respondent	NOUN
fsr-3196	89	20	for	for	ADP
fsr-3196	89	21	which	which	PRON
fsr-3196	89	22	information	information	NOUN
fsr-3196	89	23	is	be	AUX
fsr-3196	89	24	included	include	VERB
fsr-3196	89	25	in	in	ADP
fsr-3196	89	26	both	both	CCONJ
fsr-3196	89	27	the	the	DET
fsr-3196	89	28	2008	2008	NUM
fsr-3196	89	29	and	and	CCONJ
fsr-3196	89	30	2010	2010	NUM
fsr-3196	89	31	waves	wave	NOUN
fsr-3196	89	32	;	;	PUNCT
fsr-3196	89	33	our	our	PRON
fsr-3196	89	34	sample	sample	NOUN
fsr-3196	89	35	is	be	AUX
fsr-3196	89	36	first	first	ADV
fsr-3196	89	37	reduced	reduce	VERB
fsr-3196	89	38	to	to	ADP
fsr-3196	89	39	17,217	17,217	NUM
fsr-3196	89	40	respondents	respondent	NOUN
fsr-3196	89	41	.	.	PUNCT
fsr-3196	90	1	because	because	SCONJ
fsr-3196	90	2	the	the	DET
fsr-3196	90	3	hrs	hrs	NOUN
fsr-3196	90	4	follows	follow	VERB
fsr-3196	90	5	participants	participant	NOUN
fsr-3196	90	6	until	until	SCONJ
fsr-3196	90	7	they	they	PRON
fsr-3196	90	8	are	be	AUX
fsr-3196	90	9	deceased	deceased	ADJ
fsr-3196	90	10	,	,	PUNCT
fsr-3196	90	11	we	we	PRON
fsr-3196	90	12	further	far	ADV
fsr-3196	90	13	limit	limit	VERB
fsr-3196	90	14	our	our	PRON
fsr-3196	90	15	sample	sample	NOUN
fsr-3196	90	16	to	to	ADP
fsr-3196	90	17	those	those	PRON
fsr-3196	90	18	who	who	PRON
fsr-3196	90	19	were	be	AUX
fsr-3196	90	20	alive	alive	ADJ
fsr-3196	90	21	in	in	ADP
fsr-3196	90	22	2010	2010	NUM
fsr-3196	90	23	and	and	CCONJ
fsr-3196	90	24	who	who	PRON
fsr-3196	90	25	indicated	indicate	VERB
fsr-3196	90	26	their	their	PRON
fsr-3196	90	27	life	life	NOUN
fsr-3196	90	28	insurance	insurance	NOUN
fsr-3196	90	29	ownership	ownership	NOUN
fsr-3196	90	30	status	status	NOUN
fsr-3196	90	31	in	in	ADP
fsr-3196	90	32	that	that	DET
fsr-3196	90	33	wave	wave	NOUN
fsr-3196	90	34	.	.	PUNCT
fsr-3196	91	1	this	this	DET
fsr-3196	91	2	further	far	ADV
fsr-3196	91	3	reduces	reduce	VERB
fsr-3196	91	4	our	our	PRON
fsr-3196	91	5	sample	sample	NOUN
fsr-3196	91	6	to	to	ADP
fsr-3196	91	7	14,659	14,659	NUM
fsr-3196	91	8	respondents	respondent	NOUN
fsr-3196	91	9	.	.	PUNCT
fsr-3196	92	1	our	our	PRON
fsr-3196	92	2	dependent	dependent	ADJ
fsr-3196	92	3	variable	variable	NOUN
fsr-3196	92	4	is	be	AUX
fsr-3196	92	5	those	those	DET
fsr-3196	92	6	respondents	respondent	NOUN
fsr-3196	92	7	who	who	PRON
fsr-3196	92	8	self	self	NOUN
fsr-3196	92	9	-	-	PUNCT
fsr-3196	92	10	lapse	lapse	NOUN
fsr-3196	92	11	a	a	DET
fsr-3196	92	12	life	life	NOUN
fsr-3196	92	13	insurance	insurance	NOUN
fsr-3196	92	14	policy	policy	NOUN
fsr-3196	92	15	during	during	ADP
fsr-3196	92	16	the	the	DET
fsr-3196	92	17	prior	prior	ADJ
fsr-3196	92	18	two	two	NUM
fsr-3196	92	19	years	year	NOUN
fsr-3196	92	20	.	.	PUNCT
fsr-3196	93	1	consistent	consistent	ADJ
fsr-3196	93	2	with	with	ADP
fsr-3196	93	3	prior	prior	ADJ
fsr-3196	93	4	research	research	NOUN
fsr-3196	93	5	using	use	VERB
fsr-3196	93	6	the	the	DET
fsr-3196	93	7	hrs	hrs	NOUN
fsr-3196	93	8	(	(	PUNCT
fsr-3196	93	9	fang	fang	X
fsr-3196	93	10	&	&	CCONJ
fsr-3196	93	11	kung	kung	PROPN
fsr-3196	93	12	,	,	PUNCT
fsr-3196	93	13	2012	2012	NUM
fsr-3196	93	14	;	;	PUNCT
fsr-3196	93	15	fier	fier	X
fsr-3196	93	16	&	&	CCONJ
fsr-3196	93	17	liebenberg	liebenberg	PROPN
fsr-3196	93	18	,	,	PUNCT
fsr-3196	93	19	2013	2013	NUM
fsr-3196	93	20	)	)	PUNCT
fsr-3196	93	21	,	,	PUNCT
fsr-3196	93	22	we	we	PRON
fsr-3196	93	23	use	use	VERB
fsr-3196	93	24	two	two	NUM
fsr-3196	93	25	questions	question	NOUN
fsr-3196	93	26	in	in	ADP
fsr-3196	93	27	combination	combination	NOUN
fsr-3196	93	28	from	from	ADP
fsr-3196	93	29	the	the	DET
fsr-3196	93	30	hrs	hrs	NOUN
fsr-3196	93	31	to	to	PART
fsr-3196	93	32	develop	develop	VERB
fsr-3196	93	33	our	our	PRON
fsr-3196	93	34	dependent	dependent	ADJ
fsr-3196	93	35	variable	variable	NOUN
fsr-3196	93	36	.	.	PUNCT
fsr-3196	94	1	the	the	DET
fsr-3196	94	2	first	first	ADJ
fsr-3196	94	3	question	question	NOUN
fsr-3196	94	4	allows	allow	VERB
fsr-3196	94	5	us	we	PRON
fsr-3196	94	6	to	to	PART
fsr-3196	94	7	identify	identify	VERB
fsr-3196	94	8	respondents	respondent	NOUN
fsr-3196	94	9	who	who	PRON
fsr-3196	94	10	allowed	allow	VERB
fsr-3196	94	11	a	a	DET
fsr-3196	94	12	policy	policy	NOUN
fsr-3196	94	13	to	to	ADP
fsr-3196	94	14	lapse	lapse	NOUN
fsr-3196	94	15	in	in	ADP
fsr-3196	94	16	the	the	DET
fsr-3196	94	17	prior	prior	ADJ
fsr-3196	94	18	two	two	NUM
fsr-3196	94	19	years.1	years.1	NOUN
fsr-3196	94	20	we	we	PRON
fsr-3196	94	21	use	use	VERB
fsr-3196	94	22	the	the	DET
fsr-3196	94	23	response	response	NOUN
fsr-3196	94	24	to	to	ADP
fsr-3196	94	25	a	a	DET
fsr-3196	94	26	follow	follow	VERB
fsr-3196	94	27	-	-	PUNCT
fsr-3196	94	28	up	up	ADP
fsr-3196	94	29	question	question	NOUN
fsr-3196	94	30	to	to	PART
fsr-3196	94	31	specifically	specifically	ADV
fsr-3196	94	32	identify	identify	VERB
fsr-3196	94	33	self	self	NOUN
fsr-3196	94	34	-	-	PUNCT
fsr-3196	94	35	lapsers.2	lapsers.2	PROPN
fsr-3196	94	36	combining	combine	VERB
fsr-3196	94	37	those	those	PRON
fsr-3196	94	38	who	who	PRON
fsr-3196	94	39	indicated	indicate	VERB
fsr-3196	94	40	a	a	DET
fsr-3196	94	41	policy	policy	NOUN
fsr-3196	94	42	lapse	lapse	NOUN
fsr-3196	94	43	in	in	ADP
fsr-3196	94	44	the	the	DET
fsr-3196	94	45	first	first	ADJ
fsr-3196	94	46	question	question	NOUN
fsr-3196	94	47	with	with	ADP
fsr-3196	94	48	an	an	DET
fsr-3196	94	49	affirmative	affirmative	ADJ
fsr-3196	94	50	response	response	NOUN
fsr-3196	94	51	that	that	SCONJ
fsr-3196	94	52	the	the	DET
fsr-3196	94	53	lapse	lapse	NOUN
fsr-3196	94	54	was	be	AUX
fsr-3196	94	55	their	their	PRON
fsr-3196	94	56	choice	choice	NOUN
fsr-3196	94	57	creates	create	VERB
fsr-3196	94	58	our	our	PRON
fsr-3196	94	59	dependent	dependent	ADJ
fsr-3196	94	60	variable	variable	NOUN
fsr-3196	94	61	.	.	PUNCT
fsr-3196	95	1	because	because	SCONJ
fsr-3196	95	2	it	it	PRON
fsr-3196	95	3	is	be	AUX
fsr-3196	95	4	not	not	PART
fsr-3196	95	5	possible	possible	ADJ
fsr-3196	95	6	to	to	PART
fsr-3196	95	7	lapse	lapse	VERB
fsr-3196	95	8	a	a	DET
fsr-3196	95	9	life	life	NOUN
fsr-3196	95	10	insurance	insurance	NOUN
fsr-3196	95	11	policy	policy	NOUN
fsr-3196	95	12	unless	unless	SCONJ
fsr-3196	95	13	you	you	PRON
fsr-3196	95	14	first	first	ADV
fsr-3196	95	15	own	own	VERB
fsr-3196	95	16	one	one	NUM
fsr-3196	95	17	,	,	PUNCT
fsr-3196	95	18	we	we	PRON
fsr-3196	95	19	next	next	ADV
fsr-3196	95	20	limit	limit	VERB
fsr-3196	95	21	our	our	PRON
fsr-3196	95	22	sample	sample	NOUN
fsr-3196	95	23	to	to	ADP
fsr-3196	95	24	those	those	PRON
fsr-3196	95	25	who	who	PRON
fsr-3196	95	26	indicated	indicate	VERB
fsr-3196	95	27	they	they	PRON
fsr-3196	95	28	owned	own	VERB
fsr-3196	95	29	life	life	NOUN
fsr-3196	95	30	insurance	insurance	NOUN
fsr-3196	95	31	in	in	ADP
fsr-3196	95	32	2008	2008	NUM
fsr-3196	95	33	.	.	PUNCT
fsr-3196	96	1	this	this	DET
fsr-3196	96	2	criterion	criterion	NOUN
fsr-3196	96	3	reduced	reduce	VERB
fsr-3196	96	4	our	our	PRON
fsr-3196	96	5	sample	sample	NOUN
fsr-3196	96	6	size	size	NOUN
fsr-3196	96	7	to	to	ADP
fsr-3196	96	8	9,359	9,359	NUM
fsr-3196	96	9	individuals	individual	NOUN
fsr-3196	96	10	.	.	PUNCT
fsr-3196	97	1	finally	finally	ADV
fsr-3196	97	2	,	,	PUNCT
fsr-3196	97	3	we	we	PRON
fsr-3196	97	4	narrow	narrow	VERB
fsr-3196	97	5	our	our	PRON
fsr-3196	97	6	sample	sample	NOUN
fsr-3196	97	7	to	to	ADP
fsr-3196	97	8	those	those	PRON
fsr-3196	97	9	who	who	PRON
fsr-3196	97	10	answered	answer	VERB
fsr-3196	97	11	the	the	DET
fsr-3196	97	12	questions	question	NOUN
fsr-3196	97	13	related	relate	VERB
fsr-3196	97	14	to	to	ADP
fsr-3196	97	15	our	our	PRON
fsr-3196	97	16	main	main	ADJ
fsr-3196	97	17	independent	independent	ADJ
fsr-3196	97	18	variable	variable	NOUN
fsr-3196	97	19	of	of	ADP
fsr-3196	97	20	interest	interest	NOUN
fsr-3196	97	21	,	,	PUNCT
fsr-3196	97	22	cognitive	cognitive	ADJ
fsr-3196	97	23	ability	ability	NOUN
fsr-3196	97	24	.	.	PUNCT
fsr-3196	98	1	fisher	fisher	PROPN
fsr-3196	98	2	et	et	PROPN
fsr-3196	98	3	al	al	PROPN
fsr-3196	98	4	.	.	PROPN
fsr-3196	99	1	(	(	PUNCT
fsr-3196	99	2	2013	2013	NUM
fsr-3196	99	3	)	)	PUNCT
fsr-3196	99	4	indicate	indicate	VERB
fsr-3196	99	5	that	that	SCONJ
fsr-3196	99	6	the	the	DET
fsr-3196	99	7	design	design	NOUN
fsr-3196	99	8	of	of	ADP
fsr-3196	99	9	the	the	DET
fsr-3196	99	10	hrs	hrs	NOUN
fsr-3196	99	11	study	study	NOUN
fsr-3196	99	12	creates	create	VERB
fsr-3196	99	13	some	some	DET
fsr-3196	99	14	methodological	methodological	ADJ
fsr-3196	99	15	issues	issue	NOUN
fsr-3196	99	16	for	for	ADP
fsr-3196	99	17	measuring	measure	VERB
fsr-3196	99	18	cognitive	cognitive	ADJ
fsr-3196	99	19	functioning	functioning	NOUN
fsr-3196	99	20	which	which	PRON
fsr-3196	99	21	requires	require	VERB
fsr-3196	99	22	appropriate	appropriate	ADJ
fsr-3196	99	23	adaption	adaption	NOUN
fsr-3196	99	24	of	of	ADP
fsr-3196	99	25	the	the	DET
fsr-3196	99	26	standard	standard	ADJ
fsr-3196	99	27	tests	test	NOUN
fsr-3196	99	28	.	.	PUNCT
fsr-3196	100	1	in	in	ADP
fsr-3196	100	2	particular	particular	ADJ
fsr-3196	100	3	,	,	PUNCT
fsr-3196	100	4	the	the	DET
fsr-3196	100	5	hrs	hrs	NOUN
fsr-3196	100	6	does	do	AUX
fsr-3196	100	7	allow	allow	VERB
fsr-3196	100	8	for	for	ADP
fsr-3196	100	9	proxy	proxy	ADJ
fsr-3196	100	10	respondents	respondent	NOUN
fsr-3196	100	11	for	for	ADP
fsr-3196	100	12	individuals	individual	NOUN
fsr-3196	100	13	who	who	PRON
fsr-3196	100	14	may	may	AUX
fsr-3196	100	15	have	have	AUX
fsr-3196	100	16	reached	reach	VERB
fsr-3196	100	17	a	a	DET
fsr-3196	100	18	point	point	NOUN
fsr-3196	100	19	of	of	ADP
fsr-3196	100	20	incapacity	incapacity	NOUN
fsr-3196	100	21	that	that	PRON
fsr-3196	100	22	interferes	interfere	VERB
fsr-3196	100	23	with	with	ADP
fsr-3196	100	24	their	their	PRON
fsr-3196	100	25	ability	ability	NOUN
fsr-3196	100	26	to	to	PART
fsr-3196	100	27	respond	respond	VERB
fsr-3196	100	28	,	,	PUNCT
fsr-3196	100	29	so	so	SCONJ
fsr-3196	100	30	we	we	PRON
fsr-3196	100	31	limit	limit	VERB
fsr-3196	100	32	our	our	PRON
fsr-3196	100	33	sample	sample	NOUN
fsr-3196	100	34	to	to	ADP
fsr-3196	100	35	self	self	NOUN
fsr-3196	100	36	-	-	PUNCT
fsr-3196	100	37	respondents	respondent	NOUN
fsr-3196	100	38	.	.	PUNCT
fsr-3196	101	1	our	our	PRON
fsr-3196	101	2	analysis	analysis	NOUN
fsr-3196	101	3	will	will	AUX
fsr-3196	101	4	explore	explore	VERB
fsr-3196	101	5	both	both	DET
fsr-3196	101	6	episodic	episodic	ADJ
fsr-3196	101	7	memory	memory	NOUN
fsr-3196	101	8	and	and	CCONJ
fsr-3196	101	9	numeracy	numeracy	NOUN
fsr-3196	101	10	to	to	PART
fsr-3196	101	11	determine	determine	VERB
fsr-3196	101	12	if	if	SCONJ
fsr-3196	101	13	either	either	PRON
fsr-3196	101	14	predicts	predict	VERB
fsr-3196	101	15	lapse	lapse	NOUN
fsr-3196	101	16	behavior	behavior	NOUN
fsr-3196	101	17	and	and	CCONJ
fsr-3196	101	18	if	if	SCONJ
fsr-3196	101	19	one	one	NUM
fsr-3196	101	20	measure	measure	NOUN
fsr-3196	101	21	is	be	AUX
fsr-3196	101	22	a	a	DET
fsr-3196	101	23	more	more	ADV
fsr-3196	101	24	powerful	powerful	ADJ
fsr-3196	101	25	predictor	predictor	NOUN
fsr-3196	101	26	of	of	ADP
fsr-3196	101	27	lapse	lapse	NOUN
fsr-3196	101	28	behavior	behavior	NOUN
fsr-3196	101	29	than	than	ADP
fsr-3196	101	30	the	the	DET
fsr-3196	101	31	other	other	ADJ
fsr-3196	101	32	.	.	PUNCT
fsr-3196	102	1	b.	b.	PROPN
fsr-3196	102	2	s.	s.	PROPN
fsr-3196	102	3	mulholland	mulholland	PROPN
fsr-3196	102	4	and	and	CCONJ
fsr-3196	102	5	m.	m.	PROPN
fsr-3196	102	6	s.	s.	PROPN
fsr-3196	102	7	finke	finke	PROPN
fsr-3196	102	8	/	/	SYM
fsr-3196	102	9	financial	financial	ADJ
fsr-3196	102	10	services	service	NOUN
fsr-3196	102	11	review	review	VERB
fsr-3196	102	12	31	31	NUM
fsr-3196	102	13	(	(	PUNCT
fsr-3196	102	14	2023	2023	NUM
fsr-3196	102	15	)	)	PUNCT
fsr-3196	103	1	73–96	73–96	NUM
fsr-3196	103	2	77	77	NUM
fsr-3196	103	3	by	by	ADP
fsr-3196	103	4	limiting	limit	VERB
fsr-3196	103	5	our	our	PRON
fsr-3196	103	6	sample	sample	NOUN
fsr-3196	103	7	to	to	ADP
fsr-3196	103	8	those	those	PRON
fsr-3196	103	9	who	who	PRON
fsr-3196	103	10	performed	perform	VERB
fsr-3196	103	11	both	both	CCONJ
fsr-3196	103	12	the	the	DET
fsr-3196	103	13	episodic	episodic	ADJ
fsr-3196	103	14	memory	memory	NOUN
fsr-3196	103	15	(	(	PUNCT
fsr-3196	103	16	total	total	ADJ
fsr-3196	103	17	word	word	NOUN
fsr-3196	103	18	recall	recall	NOUN
fsr-3196	103	19	)	)	PUNCT
fsr-3196	103	20	test	test	NOUN
fsr-3196	103	21	components	component	NOUN
fsr-3196	103	22	and	and	CCONJ
fsr-3196	103	23	answered	answer	VERB
fsr-3196	103	24	the	the	DET
fsr-3196	103	25	series	series	NOUN
fsr-3196	103	26	of	of	ADP
fsr-3196	103	27	three	three	NUM
fsr-3196	103	28	numeracy	numeracy	NOUN
fsr-3196	103	29	questions	question	NOUN
fsr-3196	103	30	,	,	PUNCT
fsr-3196	103	31	our	our	PRON
fsr-3196	103	32	sample	sample	NOUN
fsr-3196	103	33	size	size	NOUN
fsr-3196	103	34	was	be	AUX
fsr-3196	103	35	reduced	reduce	VERB
fsr-3196	103	36	to	to	ADP
fsr-3196	103	37	8,795	8,795	NUM
fsr-3196	103	38	respondents	respondent	NOUN
fsr-3196	103	39	.	.	PUNCT
fsr-3196	104	1	the	the	DET
fsr-3196	104	2	resulting	result	VERB
fsr-3196	104	3	sample	sample	NOUN
fsr-3196	104	4	size	size	NOUN
fsr-3196	104	5	following	follow	VERB
fsr-3196	104	6	the	the	DET
fsr-3196	104	7	application	application	NOUN
fsr-3196	104	8	of	of	ADP
fsr-3196	104	9	each	each	DET
fsr-3196	104	10	step	step	NOUN
fsr-3196	104	11	of	of	ADP
fsr-3196	104	12	our	our	PRON
fsr-3196	104	13	selection	selection	NOUN
fsr-3196	104	14	criteria	criterion	NOUN
fsr-3196	104	15	can	can	AUX
fsr-3196	104	16	be	be	AUX
fsr-3196	104	17	seen	see	VERB
fsr-3196	104	18	in	in	ADP
fsr-3196	104	19	table	table	NOUN
fsr-3196	104	20	1	1	NUM
fsr-3196	104	21	.	.	NOUN
fsr-3196	104	22	3.2	3.2	NUM
fsr-3196	104	23	.	.	PUNCT
fsr-3196	105	1	model	model	VERB
fsr-3196	105	2	our	our	PRON
fsr-3196	105	3	dependent	dependent	ADJ
fsr-3196	105	4	variable	variable	NOUN
fsr-3196	105	5	is	be	AUX
fsr-3196	105	6	the	the	DET
fsr-3196	105	7	choice	choice	NOUN
fsr-3196	105	8	to	to	PART
fsr-3196	105	9	voluntarily	voluntarily	ADV
fsr-3196	105	10	lapse	lapse	VERB
fsr-3196	105	11	a	a	DET
fsr-3196	105	12	life	life	NOUN
fsr-3196	105	13	insurance	insurance	NOUN
fsr-3196	105	14	policy	policy	NOUN
fsr-3196	105	15	in	in	ADP
fsr-3196	105	16	the	the	DET
fsr-3196	105	17	prior	prior	ADJ
fsr-3196	105	18	two	two	NUM
fsr-3196	105	19	years	year	NOUN
fsr-3196	105	20	.	.	PUNCT
fsr-3196	106	1	our	our	PRON
fsr-3196	106	2	independent	independent	ADJ
fsr-3196	106	3	variable	variable	NOUN
fsr-3196	106	4	of	of	ADP
fsr-3196	106	5	interest	interest	NOUN
fsr-3196	106	6	is	be	AUX
fsr-3196	106	7	cognitive	cognitive	ADJ
fsr-3196	106	8	ability	ability	NOUN
fsr-3196	106	9	measured	measure	VERB
fsr-3196	106	10	using	use	VERB
fsr-3196	106	11	numeracy	numeracy	NOUN
fsr-3196	106	12	and	and	CCONJ
fsr-3196	106	13	cognitive	cognitive	ADJ
fsr-3196	106	14	ability	ability	NOUN
fsr-3196	106	15	.	.	PUNCT
fsr-3196	107	1	mcardle	mcardle	PROPN
fsr-3196	107	2	et	et	PROPN
fsr-3196	107	3	al	al	PROPN
fsr-3196	107	4	.	.	PROPN
fsr-3196	108	1	(	(	PUNCT
fsr-3196	108	2	2011	2011	NUM
fsr-3196	108	3	)	)	PUNCT
fsr-3196	108	4	find	find	VERB
fsr-3196	108	5	that	that	SCONJ
fsr-3196	108	6	within	within	ADP
fsr-3196	108	7	person	person	NOUN
fsr-3196	108	8	correlations	correlation	NOUN
fsr-3196	108	9	are	be	AUX
fsr-3196	108	10	moderate	moderate	ADJ
fsr-3196	108	11	for	for	ADP
fsr-3196	108	12	men	man	NOUN
fsr-3196	108	13	and	and	CCONJ
fsr-3196	108	14	women	woman	NOUN
fsr-3196	108	15	between	between	ADP
fsr-3196	108	16	episodic	episodic	ADJ
fsr-3196	108	17	memory	memory	NOUN
fsr-3196	108	18	and	and	CCONJ
fsr-3196	108	19	numeracy	numeracy	NOUN
fsr-3196	108	20	.	.	PUNCT
fsr-3196	109	1	the	the	DET
fsr-3196	109	2	decision	decision	NOUN
fsr-3196	109	3	to	to	PART
fsr-3196	109	4	lapse	lapse	VERB
fsr-3196	109	5	a	a	DET
fsr-3196	109	6	life	life	NOUN
fsr-3196	109	7	insurance	insurance	NOUN
fsr-3196	109	8	policy	policy	NOUN
fsr-3196	109	9	is	be	AUX
fsr-3196	109	10	at	at	ADP
fsr-3196	109	11	its	its	PRON
fsr-3196	109	12	roots	root	NOUN
fsr-3196	109	13	a	a	DET
fsr-3196	109	14	decision	decision	NOUN
fsr-3196	109	15	about	about	ADP
fsr-3196	109	16	retention	retention	NOUN
fsr-3196	109	17	of	of	ADP
fsr-3196	109	18	a	a	DET
fsr-3196	109	19	life	life	NOUN
fsr-3196	109	20	insurance	insurance	NOUN
fsr-3196	109	21	policy	policy	NOUN
fsr-3196	109	22	that	that	PRON
fsr-3196	109	23	is	be	AUX
fsr-3196	109	24	already	already	ADV
fsr-3196	109	25	owned	own	VERB
fsr-3196	109	26	by	by	ADP
fsr-3196	109	27	the	the	DET
fsr-3196	109	28	policyholder	policyholder	NOUN
fsr-3196	109	29	.	.	PUNCT
fsr-3196	110	1	demographic	demographic	ADJ
fsr-3196	110	2	and	and	CCONJ
fsr-3196	110	3	economic	economic	ADJ
fsr-3196	110	4	predictors	predictor	NOUN
fsr-3196	110	5	for	for	ADP
fsr-3196	110	6	life	life	NOUN
fsr-3196	110	7	insurance	insurance	NOUN
fsr-3196	110	8	ownership	ownership	NOUN
fsr-3196	110	9	include	include	VERB
fsr-3196	110	10	age	age	NOUN
fsr-3196	110	11	,	,	PUNCT
fsr-3196	110	12	bequest	bequest	NOUN
fsr-3196	110	13	motive	motive	NOUN
fsr-3196	110	14	,	,	PUNCT
fsr-3196	110	15	education	education	NOUN
fsr-3196	110	16	,	,	PUNCT
fsr-3196	110	17	employment	employment	NOUN
fsr-3196	110	18	,	,	PUNCT
fsr-3196	110	19	children	child	NOUN
fsr-3196	110	20	,	,	PUNCT
fsr-3196	110	21	marital	marital	ADJ
fsr-3196	110	22	status	status	NOUN
fsr-3196	110	23	,	,	PUNCT
fsr-3196	110	24	homeownership	homeownership	NOUN
fsr-3196	110	25	,	,	PUNCT
fsr-3196	110	26	income	income	NOUN
fsr-3196	110	27	,	,	PUNCT
fsr-3196	110	28	net	net	ADJ
fsr-3196	110	29	worth	worth	NOUN
fsr-3196	110	30	,	,	PUNCT
fsr-3196	110	31	and	and	CCONJ
fsr-3196	110	32	race	race	NOUN
fsr-3196	110	33	(	(	PUNCT
fsr-3196	110	34	zietz	zietz	NOUN
fsr-3196	110	35	,	,	PUNCT
fsr-3196	110	36	2003	2003	NUM
fsr-3196	110	37	)	)	PUNCT
fsr-3196	110	38	.	.	PUNCT
fsr-3196	111	1	gender	gender	NOUN
fsr-3196	111	2	is	be	AUX
fsr-3196	111	3	also	also	ADV
fsr-3196	111	4	shown	show	VERB
fsr-3196	111	5	to	to	PART
fsr-3196	111	6	be	be	AUX
fsr-3196	111	7	an	an	DET
fsr-3196	111	8	important	important	ADJ
fsr-3196	111	9	factor	factor	NOUN
fsr-3196	111	10	in	in	ADP
fsr-3196	111	11	determining	determine	VERB
fsr-3196	111	12	demand	demand	NOUN
fsr-3196	111	13	for	for	ADP
fsr-3196	111	14	life	life	NOUN
fsr-3196	111	15	insurance	insurance	NOUN
fsr-3196	111	16	(	(	PUNCT
fsr-3196	111	17	gandolfi	gandolfi	NOUN
fsr-3196	111	18	&	&	CCONJ
fsr-3196	111	19	miners	miner	NOUN
fsr-3196	111	20	,	,	PUNCT
fsr-3196	111	21	1996	1996	NUM
fsr-3196	111	22	)	)	PUNCT
fsr-3196	111	23	,	,	PUNCT
fsr-3196	111	24	with	with	ADP
fsr-3196	111	25	men	man	NOUN
fsr-3196	111	26	more	more	ADV
fsr-3196	111	27	likely	likely	ADJ
fsr-3196	111	28	to	to	PART
fsr-3196	111	29	be	be	AUX
fsr-3196	111	30	insured	insure	VERB
fsr-3196	111	31	.	.	PUNCT
fsr-3196	112	1	eling	eling	PROPN
fsr-3196	112	2	and	and	CCONJ
fsr-3196	112	3	kiesenbauer	kiesenbauer	PROPN
fsr-3196	112	4	(	(	PUNCT
fsr-3196	112	5	2014	2014	NUM
fsr-3196	112	6	)	)	PUNCT
fsr-3196	112	7	find	find	VERB
fsr-3196	112	8	that	that	SCONJ
fsr-3196	112	9	women	woman	NOUN
fsr-3196	112	10	are	be	AUX
fsr-3196	112	11	less	less	ADV
fsr-3196	112	12	likely	likely	ADJ
fsr-3196	112	13	to	to	PART
fsr-3196	112	14	lapse	lapse	VERB
fsr-3196	112	15	life	life	NOUN
fsr-3196	112	16	insurance	insurance	NOUN
fsr-3196	112	17	policies	policy	NOUN
fsr-3196	112	18	than	than	ADP
fsr-3196	112	19	men	man	NOUN
fsr-3196	112	20	.	.	PUNCT
fsr-3196	113	1	we	we	PRON
fsr-3196	113	2	control	control	VERB
fsr-3196	113	3	for	for	ADP
fsr-3196	113	4	these	these	DET
fsr-3196	113	5	differences	difference	NOUN
fsr-3196	113	6	by	by	ADP
fsr-3196	113	7	including	include	VERB
fsr-3196	113	8	gender	gender	NOUN
fsr-3196	113	9	in	in	ADP
fsr-3196	113	10	our	our	PRON
fsr-3196	113	11	model	model	NOUN
fsr-3196	113	12	.	.	PUNCT
fsr-3196	114	1	mulholland	mulholland	PROPN
fsr-3196	114	2	et	et	PROPN
fsr-3196	114	3	al	al	PROPN
fsr-3196	114	4	.	.	PUNCT
fsr-3196	115	1	(	(	PUNCT
fsr-3196	115	2	2016	2016	NUM
fsr-3196	115	3	)	)	PUNCT
fsr-3196	115	4	find	find	VERB
fsr-3196	115	5	that	that	SCONJ
fsr-3196	115	6	the	the	DET
fsr-3196	115	7	financial	financial	ADJ
fsr-3196	115	8	sophistication	sophistication	NOUN
fsr-3196	115	9	of	of	ADP
fsr-3196	115	10	the	the	DET
fsr-3196	115	11	policyholder	policyholder	NOUN
fsr-3196	115	12	plays	play	VERB
fsr-3196	115	13	an	an	DET
fsr-3196	115	14	important	important	ADJ
fsr-3196	115	15	part	part	NOUN
fsr-3196	115	16	in	in	ADP
fsr-3196	115	17	the	the	DET
fsr-3196	115	18	decision	decision	NOUN
fsr-3196	115	19	to	to	PART
fsr-3196	115	20	own	own	VERB
fsr-3196	115	21	life	life	NOUN
fsr-3196	115	22	insurance	insurance	NOUN
fsr-3196	115	23	.	.	PUNCT
fsr-3196	116	1	therefore	therefore	ADV
fsr-3196	116	2	,	,	PUNCT
fsr-3196	116	3	our	our	PRON
fsr-3196	116	4	model	model	NOUN
fsr-3196	116	5	includes	include	VERB
fsr-3196	116	6	a	a	DET
fsr-3196	116	7	proxy	proxy	NOUN
fsr-3196	116	8	for	for	ADP
fsr-3196	116	9	financial	financial	ADJ
fsr-3196	116	10	knowledge	knowledge	NOUN
fsr-3196	116	11	.	.	PUNCT
fsr-3196	117	1	the	the	DET
fsr-3196	117	2	stated	stated	ADJ
fsr-3196	117	3	bequest	bequest	NOUN
fsr-3196	117	4	motive	motive	NOUN
fsr-3196	117	5	is	be	AUX
fsr-3196	117	6	the	the	DET
fsr-3196	117	7	ideal	ideal	ADJ
fsr-3196	117	8	variable	variable	NOUN
fsr-3196	117	9	to	to	PART
fsr-3196	117	10	identify	identify	VERB
fsr-3196	117	11	specific	specific	ADJ
fsr-3196	117	12	desires	desire	NOUN
fsr-3196	117	13	of	of	ADP
fsr-3196	117	14	the	the	DET
fsr-3196	117	15	individual	individual	NOUN
fsr-3196	117	16	to	to	PART
fsr-3196	117	17	leave	leave	VERB
fsr-3196	117	18	a	a	DET
fsr-3196	117	19	bequest	bequest	NOUN
fsr-3196	117	20	.	.	PUNCT
fsr-3196	118	1	in	in	ADP
fsr-3196	118	2	the	the	DET
fsr-3196	118	3	absence	absence	NOUN
fsr-3196	118	4	of	of	ADP
fsr-3196	118	5	a	a	DET
fsr-3196	118	6	bequest	bequest	NOUN
fsr-3196	118	7	motive	motive	ADJ
fsr-3196	118	8	variable	variable	NOUN
fsr-3196	118	9	in	in	ADP
fsr-3196	118	10	the	the	DET
fsr-3196	118	11	hrs	hrs	NOUN
fsr-3196	118	12	,	,	PUNCT
fsr-3196	118	13	bernheim	bernheim	X
fsr-3196	118	14	(	(	PUNCT
fsr-3196	118	15	1991	1991	NUM
fsr-3196	118	16	)	)	PUNCT
fsr-3196	118	17	uses	use	VERB
fsr-3196	118	18	marital	marital	ADJ
fsr-3196	118	19	status	status	NOUN
fsr-3196	118	20	and	and	CCONJ
fsr-3196	118	21	the	the	DET
fsr-3196	118	22	existence	existence	NOUN
fsr-3196	118	23	of	of	ADP
fsr-3196	118	24	children	child	NOUN
fsr-3196	118	25	of	of	ADP
fsr-3196	118	26	the	the	DET
fsr-3196	118	27	insured	insure	VERB
fsr-3196	118	28	as	as	ADP
fsr-3196	118	29	proxies	proxy	NOUN
fsr-3196	118	30	for	for	ADP
fsr-3196	118	31	the	the	DET
fsr-3196	118	32	bequest	bequest	NOUN
fsr-3196	118	33	motive	motive	NOUN
fsr-3196	118	34	.	.	PUNCT
fsr-3196	119	1	we	we	PRON
fsr-3196	119	2	do	do	VERB
fsr-3196	119	3	the	the	DET
fsr-3196	119	4	same	same	ADJ
fsr-3196	119	5	in	in	ADP
fsr-3196	119	6	our	our	PRON
fsr-3196	119	7	model	model	NOUN
fsr-3196	119	8	.	.	PUNCT
fsr-3196	120	1	an	an	DET
fsr-3196	120	2	important	important	ADJ
fsr-3196	120	3	factor	factor	NOUN
fsr-3196	120	4	in	in	ADP
fsr-3196	120	5	life	life	NOUN
fsr-3196	120	6	insurance	insurance	NOUN
fsr-3196	120	7	ownership	ownership	NOUN
fsr-3196	120	8	is	be	AUX
fsr-3196	120	9	homeownership	homeownership	NOUN
fsr-3196	120	10	,	,	PUNCT
fsr-3196	120	11	or	or	CCONJ
fsr-3196	120	12	more	more	ADV
fsr-3196	120	13	importantly	importantly	ADV
fsr-3196	120	14	the	the	DET
fsr-3196	120	15	mortgage	mortgage	NOUN
fsr-3196	120	16	debt	debt	NOUN
fsr-3196	120	17	that	that	PRON
fsr-3196	120	18	is	be	AUX
fsr-3196	120	19	associated	associate	VERB
fsr-3196	120	20	with	with	ADP
fsr-3196	120	21	homeownership	homeownership	NOUN
fsr-3196	120	22	.	.	PUNCT
fsr-3196	121	1	prior	prior	ADJ
fsr-3196	121	2	research	research	NOUN
fsr-3196	121	3	suggests	suggest	VERB
fsr-3196	121	4	a	a	DET
fsr-3196	121	5	positive	positive	ADJ
fsr-3196	121	6	relationship	relationship	NOUN
fsr-3196	121	7	between	between	ADP
fsr-3196	121	8	the	the	DET
fsr-3196	121	9	amount	amount	NOUN
fsr-3196	121	10	of	of	ADP
fsr-3196	121	11	total	total	ADJ
fsr-3196	121	12	household	household	NOUN
fsr-3196	121	13	debt	debt	NOUN
fsr-3196	121	14	and	and	CCONJ
fsr-3196	121	15	the	the	DET
fsr-3196	121	16	amount	amount	NOUN
fsr-3196	121	17	of	of	ADP
fsr-3196	121	18	life	life	NOUN
fsr-3196	121	19	insurance	insurance	NOUN
fsr-3196	121	20	it	it	PRON
fsr-3196	121	21	holds	hold	VERB
fsr-3196	121	22	(	(	PUNCT
fsr-3196	121	23	frees	free	NOUN
fsr-3196	121	24	&	&	CCONJ
fsr-3196	121	25	sun	sun	NOUN
fsr-3196	121	26	,	,	PUNCT
fsr-3196	121	27	2010	2010	NUM
fsr-3196	121	28	;	;	PUNCT
fsr-3196	121	29	lin	lin	PROPN
fsr-3196	121	30	&	&	CCONJ
fsr-3196	121	31	grace	grace	PROPN
fsr-3196	121	32	,	,	PUNCT
fsr-3196	121	33	2007	2007	NUM
fsr-3196	121	34	)	)	PUNCT
fsr-3196	121	35	.	.	PUNCT
fsr-3196	122	1	yet	yet	ADV
fsr-3196	122	2	,	,	PUNCT
fsr-3196	122	3	fier	fier	NOUN
fsr-3196	122	4	and	and	CCONJ
fsr-3196	122	5	liebenberg	liebenberg	ADV
fsr-3196	122	6	(	(	PUNCT
fsr-3196	122	7	2013	2013	NUM
fsr-3196	122	8	)	)	PUNCT
fsr-3196	122	9	find	find	VERB
fsr-3196	122	10	increased	increase	VERB
fsr-3196	122	11	debt	debt	NOUN
fsr-3196	122	12	is	be	AUX
fsr-3196	122	13	positively	positively	ADV
fsr-3196	122	14	related	relate	VERB
fsr-3196	122	15	to	to	ADP
fsr-3196	122	16	the	the	DET
fsr-3196	122	17	decision	decision	NOUN
fsr-3196	122	18	to	to	PART
fsr-3196	122	19	lapse	lapse	VERB
fsr-3196	122	20	a	a	DET
fsr-3196	122	21	policy	policy	NOUN
fsr-3196	122	22	.	.	PUNCT
fsr-3196	123	1	we	we	PRON
fsr-3196	123	2	include	include	VERB
fsr-3196	123	3	total	total	ADJ
fsr-3196	123	4	debt	debt	NOUN
fsr-3196	123	5	as	as	ADP
fsr-3196	123	6	a	a	DET
fsr-3196	123	7	control	control	NOUN
fsr-3196	123	8	variable	variable	NOUN
fsr-3196	123	9	,	,	PUNCT
fsr-3196	123	10	allowing	allow	VERB
fsr-3196	123	11	it	it	PRON
fsr-3196	123	12	to	to	PART
fsr-3196	123	13	proxy	proxy	VERB
fsr-3196	123	14	for	for	ADP
fsr-3196	123	15	homeownership	homeownership	NOUN
fsr-3196	123	16	.	.	PUNCT
fsr-3196	124	1	table	table	NOUN
fsr-3196	124	2	1	1	NUM
fsr-3196	124	3	sample	sample	NOUN
fsr-3196	124	4	selection	selection	NOUN
fsr-3196	124	5	criteria	criterion	NOUN
fsr-3196	124	6	selection	selection	NOUN
fsr-3196	124	7	criteria	criterion	NOUN
fsr-3196	124	8	sample	sample	NOUN
fsr-3196	124	9	size	size	NOUN
fsr-3196	124	10	all	all	DET
fsr-3196	124	11	individuals	individual	NOUN
fsr-3196	124	12	tracked	track	VERB
fsr-3196	124	13	in	in	ADP
fsr-3196	124	14	the	the	DET
fsr-3196	124	15	hrs	hrs	NOUN
fsr-3196	124	16	from	from	ADP
fsr-3196	124	17	1992	1992	NUM
fsr-3196	124	18	to	to	ADP
fsr-3196	124	19	2010	2010	NUM
fsr-3196	124	20	.	.	PUNCT
fsr-3196	124	21	.	.	PUNCT
fsr-3196	125	1	.	.	PUNCT
fsr-3196	126	1	36,986	36,986	NUM
fsr-3196	126	2	.	.	PUNCT
fsr-3196	126	3	.	.	PUNCT
fsr-3196	126	4	.	.	PUNCT
fsr-3196	127	1	respondents	respondent	NOUN
fsr-3196	127	2	included	include	VERB
fsr-3196	127	3	in	in	ADP
fsr-3196	127	4	the	the	DET
fsr-3196	127	5	2008	2008	NUM
fsr-3196	127	6	and	and	CCONJ
fsr-3196	127	7	2010	2010	NUM
fsr-3196	127	8	waves	wave	NOUN
fsr-3196	127	9	17,217	17,217	NUM
fsr-3196	127	10	.	.	PUNCT
fsr-3196	127	11	.	.	PUNCT
fsr-3196	127	12	.	.	PUNCT
fsr-3196	128	1	those	those	PRON
fsr-3196	128	2	who	who	PRON
fsr-3196	128	3	were	be	AUX
fsr-3196	128	4	alive	alive	ADJ
fsr-3196	128	5	in	in	ADP
fsr-3196	128	6	2010	2010	NUM
fsr-3196	128	7	and	and	CCONJ
fsr-3196	128	8	indicated	indicate	VERB
fsr-3196	128	9	their	their	PRON
fsr-3196	128	10	life	life	NOUN
fsr-3196	128	11	insurance	insurance	NOUN
fsr-3196	128	12	ownership	ownership	NOUN
fsr-3196	128	13	status	status	NOUN
fsr-3196	128	14	14,659	14,659	NUM
fsr-3196	128	15	.	.	PUNCT
fsr-3196	128	16	.	.	PUNCT
fsr-3196	129	1	.	.	PUNCT
fsr-3196	130	1	those	those	PRON
fsr-3196	130	2	who	who	PRON
fsr-3196	130	3	owned	own	VERB
fsr-3196	130	4	life	life	NOUN
fsr-3196	130	5	insurance	insurance	NOUN
fsr-3196	130	6	in	in	ADP
fsr-3196	130	7	2008	2008	NUM
fsr-3196	130	8	9,359	9,359	NUM
fsr-3196	130	9	.	.	PUNCT
fsr-3196	130	10	.	.	PUNCT
fsr-3196	130	11	.	.	PUNCT
fsr-3196	131	1	those	those	PRON
fsr-3196	131	2	who	who	PRON
fsr-3196	131	3	answered	answer	VERB
fsr-3196	131	4	the	the	DET
fsr-3196	131	5	total	total	ADJ
fsr-3196	131	6	word	word	NOUN
fsr-3196	131	7	recall	recall	NOUN
fsr-3196	131	8	(	(	PUNCT
fsr-3196	131	9	twr	twr	PROPN
fsr-3196	131	10	)	)	PUNCT
fsr-3196	131	11	and	and	CCONJ
fsr-3196	131	12	numeracy	numeracy	NOUN
fsr-3196	131	13	questions	question	NOUN
fsr-3196	131	14	in	in	ADP
fsr-3196	131	15	2010	2010	NUM
fsr-3196	131	16	8,795	8,795	NUM
fsr-3196	131	17	note	note	NOUN
fsr-3196	131	18	.	.	PUNCT
fsr-3196	132	1	the	the	DET
fsr-3196	132	2	selection	selection	NOUN
fsr-3196	132	3	criteria	criterion	NOUN
fsr-3196	132	4	are	be	AUX
fsr-3196	132	5	cumulative	cumulative	ADJ
fsr-3196	132	6	.	.	PUNCT
fsr-3196	133	1	hrs	hrs	NOUN
fsr-3196	134	1	=	=	PUNCT
fsr-3196	134	2	health	health	PROPN
fsr-3196	134	3	retirement	retirement	NOUN
fsr-3196	134	4	study	study	NOUN
fsr-3196	134	5	.	.	PUNCT
fsr-3196	135	1	78	78	NUM
fsr-3196	135	2	b.	b.	PROPN
fsr-3196	135	3	s.	s.	PROPN
fsr-3196	135	4	mulholland	mulholland	PROPN
fsr-3196	135	5	and	and	CCONJ
fsr-3196	135	6	m.	m.	PROPN
fsr-3196	135	7	s.	s.	PROPN
fsr-3196	135	8	finke	finke	PROPN
fsr-3196	135	9	/	/	SYM
fsr-3196	135	10	financial	financial	ADJ
fsr-3196	135	11	services	service	NOUN
fsr-3196	135	12	review	review	VERB
fsr-3196	135	13	31	31	NUM
fsr-3196	135	14	(	(	PUNCT
fsr-3196	135	15	2023	2023	NUM
fsr-3196	135	16	)	)	PUNCT
fsr-3196	135	17	73–96	73–96	NUM
fsr-3196	135	18	fang	fang	X
fsr-3196	135	19	and	and	CCONJ
fsr-3196	135	20	kung	kung	PROPN
fsr-3196	135	21	(	(	PUNCT
fsr-3196	135	22	2012	2012	NUM
fsr-3196	135	23	)	)	PUNCT
fsr-3196	135	24	indicate	indicate	VERB
fsr-3196	135	25	that	that	SCONJ
fsr-3196	135	26	the	the	DET
fsr-3196	135	27	health	health	NOUN
fsr-3196	135	28	condition	condition	NOUN
fsr-3196	135	29	of	of	ADP
fsr-3196	135	30	the	the	DET
fsr-3196	135	31	insured	insure	VERB
fsr-3196	135	32	is	be	AUX
fsr-3196	135	33	an	an	DET
fsr-3196	135	34	important	important	ADJ
fsr-3196	135	35	factor	factor	NOUN
fsr-3196	135	36	due	due	ADP
fsr-3196	135	37	to	to	ADP
fsr-3196	135	38	reclassification	reclassification	NOUN
fsr-3196	135	39	risk	risk	NOUN
fsr-3196	135	40	from	from	ADP
fsr-3196	135	41	the	the	DET
fsr-3196	135	42	increasing	increase	VERB
fsr-3196	135	43	cost	cost	NOUN
fsr-3196	135	44	of	of	ADP
fsr-3196	135	45	life	life	NOUN
fsr-3196	135	46	insurance	insurance	NOUN
fsr-3196	135	47	on	on	ADP
fsr-3196	135	48	the	the	DET
fsr-3196	135	49	spot	spot	NOUN
fsr-3196	135	50	market	market	NOUN
fsr-3196	135	51	due	due	ADP
fsr-3196	135	52	to	to	ADP
fsr-3196	135	53	declines	decline	NOUN
fsr-3196	135	54	in	in	ADP
fsr-3196	135	55	overall	overall	ADJ
fsr-3196	135	56	health	health	NOUN
fsr-3196	135	57	and	and	CCONJ
fsr-3196	135	58	the	the	DET
fsr-3196	135	59	resulting	result	VERB
fsr-3196	135	60	increase	increase	NOUN
fsr-3196	135	61	in	in	ADP
fsr-3196	135	62	mortality	mortality	NOUN
fsr-3196	135	63	risk	risk	NOUN
fsr-3196	135	64	of	of	ADP
fsr-3196	135	65	the	the	DET
fsr-3196	135	66	insured	insure	VERB
fsr-3196	135	67	.	.	PUNCT
fsr-3196	136	1	as	as	SCONJ
fsr-3196	136	2	the	the	DET
fsr-3196	136	3	insured	insure	VERB
fsr-3196	136	4	’s	’s	PART
fsr-3196	136	5	health	health	NOUN
fsr-3196	136	6	declines	decline	VERB
fsr-3196	136	7	,	,	PUNCT
fsr-3196	136	8	they	they	PRON
fsr-3196	136	9	will	will	AUX
fsr-3196	136	10	find	find	VERB
fsr-3196	136	11	it	it	PRON
fsr-3196	136	12	increasingly	increasingly	ADV
fsr-3196	136	13	expensive	expensive	ADJ
fsr-3196	136	14	to	to	PART
fsr-3196	136	15	replace	replace	VERB
fsr-3196	136	16	a	a	DET
fsr-3196	136	17	policy	policy	NOUN
fsr-3196	136	18	they	they	PRON
fsr-3196	136	19	currently	currently	ADV
fsr-3196	136	20	own	own	VERB
fsr-3196	136	21	.	.	PUNCT
fsr-3196	137	1	accordingly	accordingly	ADV
fsr-3196	137	2	,	,	PUNCT
fsr-3196	137	3	we	we	PRON
fsr-3196	137	4	include	include	VERB
fsr-3196	137	5	the	the	DET
fsr-3196	137	6	health	health	NOUN
fsr-3196	137	7	condition	condition	NOUN
fsr-3196	137	8	of	of	ADP
fsr-3196	137	9	the	the	DET
fsr-3196	137	10	respondent	respondent	NOUN
fsr-3196	137	11	in	in	ADP
fsr-3196	137	12	our	our	PRON
fsr-3196	137	13	model	model	NOUN
fsr-3196	137	14	.	.	PUNCT
fsr-3196	138	1	life	life	NOUN
fsr-3196	138	2	insurance	insurance	NOUN
fsr-3196	138	3	is	be	AUX
fsr-3196	138	4	used	use	VERB
fsr-3196	138	5	as	as	ADP
fsr-3196	138	6	both	both	CCONJ
fsr-3196	138	7	a	a	DET
fsr-3196	138	8	tax	tax	NOUN
fsr-3196	138	9	-	-	PUNCT
fsr-3196	138	10	sheltered	shelter	VERB
fsr-3196	138	11	form	form	NOUN
fsr-3196	138	12	of	of	ADP
fsr-3196	138	13	savings	saving	NOUN
fsr-3196	138	14	(	(	PUNCT
fsr-3196	138	15	brown	brown	PROPN
fsr-3196	138	16	&	&	CCONJ
fsr-3196	138	17	poterba	poterba	NOUN
fsr-3196	138	18	,	,	PUNCT
fsr-3196	138	19	2006	2006	NUM
fsr-3196	138	20	)	)	PUNCT
fsr-3196	138	21	and	and	CCONJ
fsr-3196	138	22	for	for	ADP
fsr-3196	138	23	non	non	ADJ
fsr-3196	138	24	-	-	ADJ
fsr-3196	138	25	human	human	ADJ
fsr-3196	138	26	-	-	PUNCT
fsr-3196	138	27	capital	capital	NOUN
fsr-3196	138	28	-	-	PUNCT
fsr-3196	138	29	replacement	replacement	NOUN
fsr-3196	138	30	issues	issue	NOUN
fsr-3196	138	31	like	like	ADP
fsr-3196	138	32	accumulating	accumulate	VERB
fsr-3196	138	33	cash	cash	NOUN
fsr-3196	138	34	to	to	PART
fsr-3196	138	35	pay	pay	VERB
fsr-3196	138	36	estate	estate	NOUN
fsr-3196	138	37	taxes	taxis	NOUN
fsr-3196	138	38	for	for	ADP
fsr-3196	138	39	those	those	DET
fsr-3196	138	40	households	household	NOUN
fsr-3196	138	41	vulnerable	vulnerable	ADJ
fsr-3196	138	42	to	to	ADP
fsr-3196	138	43	estate	estate	NOUN
fsr-3196	138	44	taxes	taxis	NOUN
fsr-3196	138	45	(	(	PUNCT
fsr-3196	138	46	milevsky	milevsky	NOUN
fsr-3196	138	47	,	,	PUNCT
fsr-3196	138	48	2006	2006	NUM
fsr-3196	138	49	)	)	PUNCT
fsr-3196	138	50	.	.	PUNCT
fsr-3196	139	1	mulholland	mulholland	PROPN
fsr-3196	139	2	et	et	PROPN
fsr-3196	139	3	al	al	PROPN
fsr-3196	139	4	.	.	PUNCT
fsr-3196	140	1	(	(	PUNCT
fsr-3196	140	2	2016	2016	NUM
fsr-3196	140	3	)	)	PUNCT
fsr-3196	140	4	find	find	VERB
fsr-3196	140	5	that	that	SCONJ
fsr-3196	140	6	households	household	NOUN
fsr-3196	140	7	vulnerable	vulnerable	ADJ
fsr-3196	140	8	to	to	ADP
fsr-3196	140	9	u.s	u.s	PROPN
fsr-3196	140	10	.	.	PROPN
fsr-3196	140	11	estate	estate	NOUN
fsr-3196	140	12	taxes	taxis	NOUN
fsr-3196	140	13	are	be	AUX
fsr-3196	140	14	more	more	ADV
fsr-3196	140	15	likely	likely	ADJ
fsr-3196	140	16	to	to	PART
fsr-3196	140	17	own	own	VERB
fsr-3196	140	18	cash	cash	NOUN
fsr-3196	140	19	value	value	NOUN
fsr-3196	140	20	life	life	NOUN
fsr-3196	140	21	insurance	insurance	NOUN
fsr-3196	140	22	.	.	PUNCT
fsr-3196	141	1	for	for	ADP
fsr-3196	141	2	these	these	DET
fsr-3196	141	3	reasons	reason	NOUN
fsr-3196	141	4	,	,	PUNCT
fsr-3196	141	5	we	we	PRON
fsr-3196	141	6	control	control	VERB
fsr-3196	141	7	for	for	ADP
fsr-3196	141	8	estate	estate	NOUN
fsr-3196	141	9	tax	tax	NOUN
fsr-3196	141	10	vulnerability	vulnerability	NOUN
fsr-3196	141	11	under	under	ADP
fsr-3196	141	12	the	the	DET
fsr-3196	141	13	2010	2010	NUM
fsr-3196	141	14	estate	estate	NOUN
fsr-3196	141	15	tax	tax	NOUN
fsr-3196	141	16	laws	law	NOUN
fsr-3196	141	17	.	.	PUNCT
fsr-3196	142	1	prior	prior	ADJ
fsr-3196	142	2	life	life	NOUN
fsr-3196	142	3	insurance	insurance	NOUN
fsr-3196	142	4	loan	loan	NOUN
fsr-3196	142	5	and	and	CCONJ
fsr-3196	142	6	lapse	lapse	NOUN
fsr-3196	142	7	research	research	NOUN
fsr-3196	142	8	suggest	suggest	VERB
fsr-3196	142	9	loans	loan	NOUN
fsr-3196	142	10	and	and	CCONJ
fsr-3196	142	11	lapses	lapse	NOUN
fsr-3196	142	12	are	be	AUX
fsr-3196	142	13	driven	drive	VERB
fsr-3196	142	14	by	by	ADP
fsr-3196	142	15	various	various	ADJ
fsr-3196	142	16	shocks	shock	NOUN
fsr-3196	142	17	affecting	affect	VERB
fsr-3196	142	18	the	the	DET
fsr-3196	142	19	household	household	NOUN
fsr-3196	142	20	.	.	PUNCT
fsr-3196	143	1	liebenberg	liebenberg	ADV
fsr-3196	143	2	et	et	PROPN
fsr-3196	143	3	al	al	PROPN
fsr-3196	143	4	.	.	PROPN
fsr-3196	144	1	(	(	PUNCT
fsr-3196	144	2	2010	2010	NUM
fsr-3196	144	3	)	)	PUNCT
fsr-3196	144	4	find	find	VERB
fsr-3196	144	5	evidence	evidence	NOUN
fsr-3196	144	6	that	that	SCONJ
fsr-3196	144	7	policy	policy	NOUN
fsr-3196	144	8	loans	loan	NOUN
fsr-3196	144	9	increase	increase	VERB
fsr-3196	144	10	as	as	ADP
fsr-3196	144	11	a	a	DET
fsr-3196	144	12	result	result	NOUN
fsr-3196	144	13	of	of	ADP
fsr-3196	144	14	household	household	NOUN
fsr-3196	144	15	income	income	NOUN
fsr-3196	144	16	shocks	shock	NOUN
fsr-3196	144	17	while	while	SCONJ
fsr-3196	144	18	kuo	kuo	PROPN
fsr-3196	144	19	et	et	PROPN
fsr-3196	144	20	al	al	PROPN
fsr-3196	144	21	.	.	PROPN
fsr-3196	145	1	(	(	PUNCT
fsr-3196	145	2	2003	2003	NUM
fsr-3196	145	3	)	)	PUNCT
fsr-3196	145	4	find	find	VERB
fsr-3196	145	5	evidence	evidence	NOUN
fsr-3196	145	6	that	that	SCONJ
fsr-3196	145	7	the	the	DET
fsr-3196	145	8	unemployment	unemployment	NOUN
fsr-3196	145	9	rate	rate	NOUN
fsr-3196	145	10	is	be	AUX
fsr-3196	145	11	positively	positively	ADV
fsr-3196	145	12	related	relate	VERB
fsr-3196	145	13	to	to	ADP
fsr-3196	145	14	the	the	DET
fsr-3196	145	15	lapse	lapse	NOUN
fsr-3196	145	16	rate	rate	NOUN
fsr-3196	145	17	.	.	PUNCT
fsr-3196	146	1	fang	fang	PROPN
fsr-3196	146	2	and	and	CCONJ
fsr-3196	146	3	kung	kung	PROPN
fsr-3196	146	4	(	(	PUNCT
fsr-3196	146	5	2012	2012	NUM
fsr-3196	146	6	)	)	PUNCT
fsr-3196	146	7	find	find	VERB
fsr-3196	146	8	some	some	DET
fsr-3196	146	9	evidence	evidence	NOUN
fsr-3196	146	10	that	that	SCONJ
fsr-3196	146	11	health	health	NOUN
fsr-3196	146	12	shocks	shock	VERB
fsr-3196	146	13	positively	positively	ADV
fsr-3196	146	14	impact	impact	VERB
fsr-3196	146	15	policy	policy	NOUN
fsr-3196	146	16	lapsation	lapsation	NOUN
fsr-3196	146	17	.	.	PUNCT
fsr-3196	147	1	bernheim	bernheim	PROPN
fsr-3196	147	2	(	(	PUNCT
fsr-3196	147	3	1991	1991	NUM
fsr-3196	147	4	)	)	PUNCT
fsr-3196	147	5	finds	find	VERB
fsr-3196	147	6	that	that	SCONJ
fsr-3196	147	7	bequest	bequest	NOUN
fsr-3196	147	8	shocks	shock	NOUN
fsr-3196	147	9	reduce	reduce	VERB
fsr-3196	147	10	the	the	DET
fsr-3196	147	11	demand	demand	NOUN
fsr-3196	147	12	for	for	ADP
fsr-3196	147	13	life	life	NOUN
fsr-3196	147	14	insurance	insurance	NOUN
fsr-3196	147	15	.	.	PUNCT
fsr-3196	148	1	liebenberg	liebenberg	ADV
fsr-3196	148	2	et	et	PROPN
fsr-3196	148	3	al	al	PROPN
fsr-3196	148	4	.	.	PROPN
fsr-3196	149	1	(	(	PUNCT
fsr-3196	149	2	2012	2012	NUM
fsr-3196	149	3	)	)	PUNCT
fsr-3196	149	4	find	find	VERB
fsr-3196	149	5	a	a	DET
fsr-3196	149	6	positive	positive	ADJ
fsr-3196	149	7	relationship	relationship	NOUN
fsr-3196	149	8	between	between	ADP
fsr-3196	149	9	those	those	PRON
fsr-3196	149	10	who	who	PRON
fsr-3196	149	11	recently	recently	ADV
fsr-3196	149	12	retired	retire	VERB
fsr-3196	149	13	and	and	CCONJ
fsr-3196	149	14	those	those	PRON
fsr-3196	149	15	who	who	PRON
fsr-3196	149	16	lapse	lapse	VERB
fsr-3196	149	17	life	life	NOUN
fsr-3196	149	18	insurance	insurance	NOUN
fsr-3196	149	19	policies	policy	NOUN
fsr-3196	149	20	.	.	PUNCT
fsr-3196	150	1	we	we	PRON
fsr-3196	150	2	control	control	VERB
fsr-3196	150	3	for	for	ADP
fsr-3196	150	4	health	health	NOUN
fsr-3196	150	5	shocks	shock	NOUN
fsr-3196	150	6	,	,	PUNCT
fsr-3196	150	7	bequest	bequ	ADJ
fsr-3196	150	8	shocks	shock	NOUN
fsr-3196	150	9	,	,	PUNCT
fsr-3196	150	10	and	and	CCONJ
fsr-3196	150	11	those	those	DET
fsr-3196	150	12	respondents	respondent	NOUN
fsr-3196	150	13	who	who	PRON
fsr-3196	150	14	have	have	AUX
fsr-3196	150	15	retired	retire	VERB
fsr-3196	150	16	in	in	ADP
fsr-3196	150	17	the	the	DET
fsr-3196	150	18	past	past	ADJ
fsr-3196	150	19	two	two	NUM
fsr-3196	150	20	years	year	NOUN
fsr-3196	150	21	.	.	PUNCT
fsr-3196	151	1	bernheim	bernheim	PROPN
fsr-3196	151	2	(	(	PUNCT
fsr-3196	151	3	1991	1991	NUM
fsr-3196	151	4	)	)	PUNCT
fsr-3196	151	5	indicates	indicate	VERB
fsr-3196	151	6	that	that	SCONJ
fsr-3196	151	7	households	household	NOUN
fsr-3196	151	8	with	with	ADP
fsr-3196	151	9	bequest	bequest	NOUN
fsr-3196	151	10	motives	motive	NOUN
fsr-3196	151	11	,	,	PUNCT
fsr-3196	151	12	often	often	ADV
fsr-3196	151	13	as	as	ADP
fsr-3196	151	14	intergenerational	intergenerational	ADJ
fsr-3196	151	15	transfers	transfer	NOUN
fsr-3196	151	16	,	,	PUNCT
fsr-3196	151	17	hold	hold	VERB
fsr-3196	151	18	life	life	NOUN
fsr-3196	151	19	insurance	insurance	NOUN
fsr-3196	151	20	to	to	PART
fsr-3196	151	21	enhance	enhance	VERB
fsr-3196	151	22	their	their	PRON
fsr-3196	151	23	bequest	bequest	NOUN
fsr-3196	151	24	utility	utility	NOUN
fsr-3196	151	25	.	.	PUNCT
fsr-3196	152	1	but	but	CCONJ
fsr-3196	152	2	just	just	ADV
fsr-3196	152	3	as	as	SCONJ
fsr-3196	152	4	income	income	NOUN
fsr-3196	152	5	shocks	shock	NOUN
fsr-3196	152	6	and	and	CCONJ
fsr-3196	152	7	unemployment	unemployment	NOUN
fsr-3196	152	8	with	with	ADP
fsr-3196	152	9	the	the	DET
fsr-3196	152	10	resulting	result	VERB
fsr-3196	152	11	loss	loss	NOUN
fsr-3196	152	12	of	of	ADP
fsr-3196	152	13	income	income	NOUN
fsr-3196	152	14	have	have	AUX
fsr-3196	152	15	been	be	AUX
fsr-3196	152	16	found	find	VERB
fsr-3196	152	17	to	to	PART
fsr-3196	152	18	increase	increase	VERB
fsr-3196	152	19	the	the	DET
fsr-3196	152	20	likelihood	likelihood	NOUN
fsr-3196	152	21	of	of	ADP
fsr-3196	152	22	lapse	lapse	NOUN
fsr-3196	152	23	,	,	PUNCT
fsr-3196	152	24	we	we	PRON
fsr-3196	152	25	question	question	VERB
fsr-3196	152	26	if	if	SCONJ
fsr-3196	152	27	unexpected	unexpected	ADJ
fsr-3196	152	28	increases	increase	NOUN
fsr-3196	152	29	in	in	ADP
fsr-3196	152	30	household	household	NOUN
fsr-3196	152	31	expenses	expense	NOUN
fsr-3196	152	32	cause	cause	VERB
fsr-3196	152	33	similar	similar	ADJ
fsr-3196	152	34	behaviors	behavior	NOUN
fsr-3196	152	35	.	.	PUNCT
fsr-3196	153	1	in	in	ADP
fsr-3196	153	2	particular	particular	ADJ
fsr-3196	153	3	,	,	PUNCT
fsr-3196	153	4	does	do	VERB
fsr-3196	153	5	the	the	DET
fsr-3196	153	6	sudden	sudden	ADJ
fsr-3196	153	7	appearance	appearance	NOUN
fsr-3196	153	8	of	of	ADP
fsr-3196	153	9	children	child	NOUN
fsr-3196	153	10	as	as	SCONJ
fsr-3196	153	11	members	member	NOUN
fsr-3196	153	12	of	of	ADP
fsr-3196	153	13	the	the	DET
fsr-3196	153	14	household	household	NOUN
fsr-3196	153	15	put	put	VERB
fsr-3196	153	16	a	a	DET
fsr-3196	153	17	drain	drain	NOUN
fsr-3196	153	18	on	on	ADP
fsr-3196	153	19	household	household	NOUN
fsr-3196	153	20	expenses	expense	NOUN
fsr-3196	153	21	that	that	PRON
fsr-3196	153	22	may	may	AUX
fsr-3196	153	23	cause	cause	VERB
fsr-3196	153	24	similar	similar	ADJ
fsr-3196	153	25	results	result	NOUN
fsr-3196	153	26	as	as	ADP
fsr-3196	153	27	an	an	DET
fsr-3196	153	28	income	income	NOUN
fsr-3196	153	29	shock	shock	NOUN
fsr-3196	153	30	?	?	PUNCT
fsr-3196	154	1	therefore	therefore	ADV
fsr-3196	154	2	,	,	PUNCT
fsr-3196	154	3	we	we	PRON
fsr-3196	154	4	include	include	VERB
fsr-3196	154	5	the	the	DET
fsr-3196	154	6	increase	increase	NOUN
fsr-3196	154	7	of	of	ADP
fsr-3196	154	8	children	child	NOUN
fsr-3196	154	9	living	live	VERB
fsr-3196	154	10	in	in	ADP
fsr-3196	154	11	the	the	DET
fsr-3196	154	12	home	home	NOUN
fsr-3196	154	13	since	since	SCONJ
fsr-3196	154	14	the	the	DET
fsr-3196	154	15	prior	prior	ADJ
fsr-3196	154	16	wave	wave	NOUN
fsr-3196	154	17	as	as	ADP
fsr-3196	154	18	a	a	DET
fsr-3196	154	19	control	control	NOUN
fsr-3196	154	20	variable	variable	NOUN
fsr-3196	154	21	in	in	ADP
fsr-3196	154	22	our	our	PRON
fsr-3196	154	23	model	model	NOUN
fsr-3196	154	24	.	.	PUNCT
fsr-3196	155	1	we	we	PRON
fsr-3196	155	2	use	use	VERB
fsr-3196	155	3	the	the	DET
fsr-3196	155	4	following	follow	VERB
fsr-3196	155	5	logistic	logistic	ADJ
fsr-3196	155	6	regression	regression	NOUN
fsr-3196	155	7	model	model	NOUN
fsr-3196	155	8	to	to	PART
fsr-3196	155	9	model	model	VERB
fsr-3196	155	10	the	the	DET
fsr-3196	155	11	life	life	NOUN
fsr-3196	155	12	insurance	insurance	NOUN
fsr-3196	155	13	lapse	lapse	NOUN
fsr-3196	155	14	decision	decision	NOUN
fsr-3196	155	15	:	:	PUNCT
fsr-3196	155	16	ln	ln	ADJ
fsr-3196	155	17	pi	pi	NOUN
fsr-3196	155	18	1	1	NUM
fsr-3196	155	19	�	�	PROPN
fsr-3196	155	20	pi	pi	PROPN
fsr-3196	155	21	�	�	PROPN
fsr-3196	155	22	�	�	PROPN
fsr-3196	155	23	¼	¼	NOUN
fsr-3196	155	24	b	b	PROPN
fsr-3196	155	25	0	0	NUM
fsr-3196	155	26	þ	þ	PROPN
fsr-3196	155	27	b	b	PROPN
fsr-3196	155	28	1	1	NUM
fsr-3196	155	29	�	�	PROPN
fsr-3196	155	30	3ðcognitive	3ðcognitive	NUM
fsr-3196	155	31	ability	ability	NOUN
fsr-3196	155	32	quartiles	quartile	VERB
fsr-3196	155	33	>	>	X
fsr-3196	156	1	25%þ	25%þ	NUM
fsr-3196	157	1	þ	þ	NOUN
fsr-3196	157	2	b	b	PROPN
fsr-3196	157	3	4	4	NUM
fsr-3196	157	4	�	�	NOUN
fsr-3196	157	5	6ðincome	6ðincome	NUM
fsr-3196	157	6	quartiles	quartile	VERB
fsr-3196	157	7	>	>	X
fsr-3196	157	8	25%þ	25%þ	NUM
fsr-3196	157	9	þ	þ	NOUN
fsr-3196	157	10	b	b	PROPN
fsr-3196	157	11	7	7	NUM
fsr-3196	157	12	�	�	PROPN
fsr-3196	157	13	9ðnet	9ðnet	NUM
fsr-3196	157	14	worth	worth	ADJ
fsr-3196	157	15	quartiles	quartile	NOUN
fsr-3196	157	16	>	>	X
fsr-3196	157	17	25%þ	25%þ	NUM
fsr-3196	158	1	þ	þ	PROPN
fsr-3196	158	2	b	b	PROPN
fsr-3196	158	3	10ðfinancial	10ðfinancial	NUM
fsr-3196	158	4	knowledgeþ	knowledgeþ	PROPN
fsr-3196	158	5	þ	þ	PROPN
fsr-3196	158	6	b	b	PROPN
fsr-3196	158	7	11ðmarriedþ	11ðmarriedþ	NUM
fsr-3196	158	8	þ	þ	PROPN
fsr-3196	158	9	b	b	PROPN
fsr-3196	158	10	12ðchildrenþ	12ðchildrenþ	NUM
fsr-3196	158	11	þ	þ	PROPN
fsr-3196	158	12	b	b	PROPN
fsr-3196	158	13	13	13	NUM
fsr-3196	158	14	�	�	PROPN
fsr-3196	158	15	17ðage	17ðage	NUM
fsr-3196	158	16	groups	group	NOUN
fsr-3196	158	17	<	<	X
fsr-3196	158	18	60	60	NUM
fsr-3196	158	19	or	or	CCONJ
fsr-3196	158	20	>	>	X
fsr-3196	158	21	64þ	64þ	NUM
fsr-3196	159	1	þ	þ	PROPN
fsr-3196	159	2	b	b	PROPN
fsr-3196	159	3	18ðgenderþ	18ðgenderþ	NUM
fsr-3196	159	4	þ	þ	PROPN
fsr-3196	159	5	b	b	PROPN
fsr-3196	159	6	19ðlog	19ðlog	PROPN
fsr-3196	159	7	of	of	ADP
fsr-3196	159	8	total	total	ADJ
fsr-3196	159	9	debtþ	debtþ	PROPN
fsr-3196	159	10	þ	þ	PROPN
fsr-3196	159	11	b	b	PROPN
fsr-3196	159	12	20	20	NUM
fsr-3196	159	13	�	�	PROPN
fsr-3196	159	14	21ðnon	21ðnon	NUM
fsr-3196	159	15	-	-	ADJ
fsr-3196	159	16	white	white	ADJ
fsr-3196	159	17	race	race	NOUN
fsr-3196	159	18	groupsþ	groupsþ	PROPN
fsr-3196	159	19	þ	þ	PROPN
fsr-3196	159	20	b	b	PROPN
fsr-3196	159	21	22	22	NUM
fsr-3196	159	22	�	�	PROPN
fsr-3196	159	23	24ðeducation	24ðeducation	NUM
fsr-3196	159	24	>	>	X
fsr-3196	159	25	no	no	DET
fsr-3196	159	26	�	�	PROPN
fsr-3196	159	27	hs	hs	PROPN
fsr-3196	159	28	degreeþ	degreeþ	PROPN
fsr-3196	159	29	þ	þ	PROPN
fsr-3196	159	30	b	b	PROPN
fsr-3196	159	31	25	25	NUM
fsr-3196	159	32	�	�	PROPN
fsr-3196	159	33	28ðhealth	28ðhealth	PROPN
fsr-3196	159	34	problems	problem	NOUN
fsr-3196	159	35	>	>	X
fsr-3196	159	36	0þ	0þ	NUM
fsr-3196	159	37	þ	þ	PROPN
fsr-3196	159	38	b	b	PROPN
fsr-3196	159	39	29ðestate	29ðestate	NUM
fsr-3196	159	40	tax	tax	NOUN
fsr-3196	159	41	vulnerableþ	vulnerableþ	NOUN
fsr-3196	159	42	þ	þ	PROPN
fsr-3196	159	43	b	b	PROPN
fsr-3196	159	44	30ðnewly	30ðnewly	NUM
fsr-3196	159	45	retired	retire	VERB
fsr-3196	159	46	since	since	SCONJ
fsr-3196	159	47	2008þ	2008þ	NUM
fsr-3196	159	48	þ	þ	PROPN
fsr-3196	159	49	b	b	PROPN
fsr-3196	160	1	31ðincome	31ðincome	NUM
fsr-3196	160	2	shockþ	shockþ	PROPN
fsr-3196	160	3	þ	þ	PROPN
fsr-3196	160	4	b	b	PROPN
fsr-3196	161	1	32ðadditional	32ðadditional	ADJ
fsr-3196	161	2	kid	kid	NOUN
fsr-3196	161	3	at	at	ADP
fsr-3196	161	4	home	home	NOUN
fsr-3196	161	5	shockþ	shockþ	PROPN
fsr-3196	162	1	þ	þ	PROPN
fsr-3196	162	2	b	b	PROPN
fsr-3196	163	1	33ðmarriage	33ðmarriage	NUM
fsr-3196	163	2	shockþ	shockþ	PROPN
fsr-3196	163	3	þ	þ	PROPN
fsr-3196	163	4	b	b	PROPN
fsr-3196	164	1	34ðhealth	34ðhealth	PROPN
fsr-3196	164	2	shockþ	shockþ	PROPN
fsr-3196	164	3	where	where	SCONJ
fsr-3196	164	4	pi	pi	NOUN
fsr-3196	164	5	is	be	AUX
fsr-3196	164	6	the	the	DET
fsr-3196	164	7	probability	probability	NOUN
fsr-3196	164	8	of	of	ADP
fsr-3196	164	9	the	the	DET
fsr-3196	164	10	individual	individual	NOUN
fsr-3196	164	11	lapsing	lapse	VERB
fsr-3196	164	12	a	a	DET
fsr-3196	164	13	life	life	NOUN
fsr-3196	164	14	insurance	insurance	NOUN
fsr-3196	164	15	policy	policy	NOUN
fsr-3196	164	16	.	.	PUNCT
fsr-3196	165	1	b.	b.	PROPN
fsr-3196	165	2	s.	s.	PROPN
fsr-3196	165	3	mulholland	mulholland	PROPN
fsr-3196	165	4	and	and	CCONJ
fsr-3196	165	5	m.	m.	PROPN
fsr-3196	165	6	s.	s.	PROPN
fsr-3196	165	7	finke	finke	PROPN
fsr-3196	165	8	/	/	SYM
fsr-3196	165	9	financial	financial	ADJ
fsr-3196	165	10	services	service	NOUN
fsr-3196	165	11	review	review	VERB
fsr-3196	165	12	31	31	NUM
fsr-3196	165	13	(	(	PUNCT
fsr-3196	165	14	2023	2023	NUM
fsr-3196	165	15	)	)	PUNCT
fsr-3196	166	1	73–96	73–96	NUM
fsr-3196	166	2	79	79	NUM
fsr-3196	166	3	3.3	3.3	NUM
fsr-3196	166	4	.	.	PUNCT
fsr-3196	167	1	variables	variable	NOUN
fsr-3196	167	2	in	in	ADP
fsr-3196	167	3	our	our	PRON
fsr-3196	167	4	model	model	NOUN
fsr-3196	167	5	,	,	PUNCT
fsr-3196	167	6	the	the	DET
fsr-3196	167	7	dependent	dependent	ADJ
fsr-3196	167	8	variable	variable	NOUN
fsr-3196	167	9	,	,	PUNCT
fsr-3196	167	10	lapse	lapse	NOUN
fsr-3196	167	11	,	,	PUNCT
fsr-3196	167	12	is	be	AUX
fsr-3196	167	13	a	a	DET
fsr-3196	167	14	binary	binary	ADJ
fsr-3196	167	15	variable	variable	NOUN
fsr-3196	167	16	set	set	VERB
fsr-3196	167	17	to	to	ADP
fsr-3196	167	18	1.0	1.0	NUM
fsr-3196	167	19	when	when	SCONJ
fsr-3196	167	20	the	the	DET
fsr-3196	167	21	respondent	respondent	NOUN
fsr-3196	167	22	has	have	AUX
fsr-3196	167	23	answered	answer	VERB
fsr-3196	167	24	affirmatively	affirmatively	ADV
fsr-3196	167	25	to	to	ADP
fsr-3196	167	26	both	both	DET
fsr-3196	167	27	hrs	hrs	NOUN
fsr-3196	167	28	questions	question	NOUN
fsr-3196	167	29	about	about	ADP
fsr-3196	167	30	life	life	NOUN
fsr-3196	167	31	insurance	insurance	NOUN
fsr-3196	167	32	lapse	lapse	NOUN
fsr-3196	167	33	:	:	PUNCT
fsr-3196	167	34	first	first	ADV
fsr-3196	167	35	that	that	SCONJ
fsr-3196	167	36	they	they	PRON
fsr-3196	167	37	did	do	VERB
fsr-3196	167	38	lapse	lapse	VERB
fsr-3196	167	39	a	a	DET
fsr-3196	167	40	policy	policy	NOUN
fsr-3196	167	41	in	in	ADP
fsr-3196	167	42	the	the	DET
fsr-3196	167	43	two	two	NUM
fsr-3196	167	44	years	year	NOUN
fsr-3196	167	45	before	before	ADP
fsr-3196	167	46	responding	respond	VERB
fsr-3196	167	47	to	to	ADP
fsr-3196	167	48	the	the	DET
fsr-3196	167	49	survey	survey	NOUN
fsr-3196	167	50	in	in	ADP
fsr-3196	167	51	2010	2010	NUM
fsr-3196	167	52	,	,	PUNCT
fsr-3196	167	53	and	and	CCONJ
fsr-3196	167	54	second	second	ADV
fsr-3196	167	55	that	that	SCONJ
fsr-3196	167	56	they	they	PRON
fsr-3196	167	57	chose	choose	VERB
fsr-3196	167	58	to	to	PART
fsr-3196	167	59	proceed	proceed	VERB
fsr-3196	167	60	with	with	ADP
fsr-3196	167	61	the	the	DET
fsr-3196	167	62	lapse	lapse	NOUN
fsr-3196	167	63	or	or	CCONJ
fsr-3196	167	64	cancellation	cancellation	NOUN
fsr-3196	167	65	.	.	PUNCT
fsr-3196	168	1	for	for	ADP
fsr-3196	168	2	all	all	DET
fsr-3196	168	3	other	other	ADJ
fsr-3196	168	4	combined	combined	ADJ
fsr-3196	168	5	responses	response	NOUN
fsr-3196	168	6	,	,	PUNCT
fsr-3196	168	7	the	the	DET
fsr-3196	168	8	variable	variable	NOUN
fsr-3196	168	9	is	be	AUX
fsr-3196	168	10	set	set	VERB
fsr-3196	168	11	to	to	ADP
fsr-3196	168	12	zero	zero	NUM
fsr-3196	168	13	.	.	PUNCT
fsr-3196	169	1	we	we	PRON
fsr-3196	169	2	measure	measure	VERB
fsr-3196	169	3	episodic	episodic	ADJ
fsr-3196	169	4	memory	memory	NOUN
fsr-3196	169	5	using	use	VERB
fsr-3196	169	6	two	two	NUM
fsr-3196	169	7	measures	measure	NOUN
fsr-3196	169	8	of	of	ADP
fsr-3196	169	9	word	word	NOUN
fsr-3196	169	10	recall	recall	NOUN
fsr-3196	169	11	found	find	VERB
fsr-3196	169	12	in	in	ADP
fsr-3196	169	13	the	the	DET
fsr-3196	169	14	hrs	hrs	NOUN
fsr-3196	169	15	,	,	PUNCT
fsr-3196	169	16	immediate	immediate	ADJ
fsr-3196	169	17	word	word	NOUN
fsr-3196	169	18	recall	recall	NOUN
fsr-3196	169	19	and	and	CCONJ
fsr-3196	169	20	delayed	delay	VERB
fsr-3196	169	21	word	word	NOUN
fsr-3196	169	22	recall	recall	NOUN
fsr-3196	169	23	(	(	PUNCT
fsr-3196	169	24	ofstedal	ofstedal	NOUN
fsr-3196	169	25	et	et	PROPN
fsr-3196	169	26	al	al	PROPN
fsr-3196	169	27	.	.	PROPN
fsr-3196	169	28	,	,	PUNCT
fsr-3196	169	29	2005	2005	NUM
fsr-3196	169	30	)	)	PUNCT
fsr-3196	169	31	.	.	PUNCT
fsr-3196	170	1	to	to	PART
fsr-3196	170	2	test	test	VERB
fsr-3196	170	3	word	word	NOUN
fsr-3196	170	4	recall	recall	NOUN
fsr-3196	170	5	,	,	PUNCT
fsr-3196	170	6	the	the	DET
fsr-3196	170	7	respondent	respondent	NOUN
fsr-3196	170	8	is	be	AUX
fsr-3196	170	9	read	read	VERB
fsr-3196	170	10	a	a	DET
fsr-3196	170	11	list	list	NOUN
fsr-3196	170	12	of	of	ADP
fsr-3196	170	13	10	10	NUM
fsr-3196	170	14	nouns	noun	NOUN
fsr-3196	170	15	.	.	PUNCT
fsr-3196	171	1	the	the	DET
fsr-3196	171	2	first	first	ADJ
fsr-3196	171	3	time	time	NOUN
fsr-3196	171	4	they	they	PRON
fsr-3196	171	5	receive	receive	VERB
fsr-3196	171	6	the	the	DET
fsr-3196	171	7	word	word	NOUN
fsr-3196	171	8	list	list	NOUN
fsr-3196	171	9	,	,	PUNCT
fsr-3196	171	10	it	it	PRON
fsr-3196	171	11	is	be	AUX
fsr-3196	171	12	drawn	draw	VERB
fsr-3196	171	13	randomly	randomly	ADV
fsr-3196	171	14	from	from	ADP
fsr-3196	171	15	four	four	NUM
fsr-3196	171	16	sets	set	NOUN
fsr-3196	171	17	of	of	ADP
fsr-3196	171	18	words	word	NOUN
fsr-3196	171	19	,	,	PUNCT
fsr-3196	171	20	of	of	ADP
fsr-3196	171	21	which	which	PRON
fsr-3196	171	22	no	no	DET
fsr-3196	171	23	words	word	NOUN
fsr-3196	171	24	overlap	overlap	VERB
fsr-3196	171	25	.	.	PUNCT
fsr-3196	172	1	in	in	ADP
fsr-3196	172	2	each	each	DET
fsr-3196	172	3	subsequent	subsequent	ADJ
fsr-3196	172	4	wave	wave	NOUN
fsr-3196	172	5	,	,	PUNCT
fsr-3196	172	6	the	the	DET
fsr-3196	172	7	respondent	respondent	NOUN
fsr-3196	172	8	is	be	AUX
fsr-3196	172	9	presented	present	VERB
fsr-3196	172	10	with	with	ADP
fsr-3196	172	11	a	a	DET
fsr-3196	172	12	different	different	ADJ
fsr-3196	172	13	word	word	NOUN
fsr-3196	172	14	list	list	NOUN
fsr-3196	172	15	from	from	ADP
fsr-3196	172	16	the	the	DET
fsr-3196	172	17	four	four	NUM
fsr-3196	172	18	lists	list	NOUN
fsr-3196	172	19	,	,	PUNCT
fsr-3196	172	20	resulting	result	VERB
fsr-3196	172	21	in	in	ADP
fsr-3196	172	22	the	the	DET
fsr-3196	172	23	respondent	respondent	NOUN
fsr-3196	172	24	only	only	ADV
fsr-3196	172	25	receiving	receive	VERB
fsr-3196	172	26	the	the	DET
fsr-3196	172	27	same	same	ADJ
fsr-3196	172	28	word	word	NOUN
fsr-3196	172	29	list	list	NOUN
fsr-3196	172	30	every	every	DET
fsr-3196	172	31	fourth	fourth	ADJ
fsr-3196	172	32	wave	wave	NOUN
fsr-3196	172	33	.	.	PUNCT
fsr-3196	173	1	respondents	respondent	NOUN
fsr-3196	173	2	and	and	CCONJ
fsr-3196	173	3	their	their	PRON
fsr-3196	173	4	spouses	spouse	NOUN
fsr-3196	173	5	are	be	AUX
fsr-3196	173	6	given	give	VERB
fsr-3196	173	7	different	different	ADJ
fsr-3196	173	8	word	word	NOUN
fsr-3196	173	9	lists	list	NOUN
fsr-3196	173	10	in	in	ADP
fsr-3196	173	11	each	each	DET
fsr-3196	173	12	wave	wave	NOUN
fsr-3196	173	13	.	.	PUNCT
fsr-3196	174	1	for	for	ADP
fsr-3196	174	2	immediate	immediate	ADJ
fsr-3196	174	3	word	word	NOUN
fsr-3196	174	4	recall	recall	NOUN
fsr-3196	174	5	,	,	PUNCT
fsr-3196	174	6	the	the	DET
fsr-3196	174	7	respondents	respondent	NOUN
fsr-3196	174	8	are	be	AUX
fsr-3196	174	9	read	read	VERB
fsr-3196	174	10	the	the	DET
fsr-3196	174	11	list	list	NOUN
fsr-3196	174	12	of	of	ADP
fsr-3196	174	13	nouns	noun	NOUN
fsr-3196	174	14	and	and	CCONJ
fsr-3196	174	15	then	then	ADV
fsr-3196	174	16	asked	ask	VERB
fsr-3196	174	17	to	to	PART
fsr-3196	174	18	immediately	immediately	ADV
fsr-3196	174	19	recall	recall	VERB
fsr-3196	174	20	as	as	ADP
fsr-3196	174	21	many	many	ADJ
fsr-3196	174	22	of	of	ADP
fsr-3196	174	23	the	the	DET
fsr-3196	174	24	words	word	NOUN
fsr-3196	174	25	as	as	SCONJ
fsr-3196	174	26	they	they	PRON
fsr-3196	174	27	can	can	AUX
fsr-3196	174	28	.	.	PUNCT
fsr-3196	175	1	the	the	DET
fsr-3196	175	2	respondent	respondent	NOUN
fsr-3196	175	3	receives	receive	VERB
fsr-3196	175	4	a	a	DET
fsr-3196	175	5	score	score	NOUN
fsr-3196	175	6	of	of	ADP
fsr-3196	175	7	the	the	DET
fsr-3196	175	8	number	number	NOUN
fsr-3196	175	9	correctly	correctly	ADV
fsr-3196	175	10	repeated	repeat	VERB
fsr-3196	175	11	.	.	PUNCT
fsr-3196	176	1	after	after	ADP
fsr-3196	176	2	testing	test	VERB
fsr-3196	176	3	for	for	ADP
fsr-3196	176	4	immediate	immediate	ADJ
fsr-3196	176	5	word	word	NOUN
fsr-3196	176	6	recall	recall	NOUN
fsr-3196	176	7	and	and	CCONJ
fsr-3196	176	8	after	after	ADP
fsr-3196	176	9	approximately	approximately	ADV
fsr-3196	176	10	five	five	NUM
fsr-3196	176	11	minutes	minute	NOUN
fsr-3196	176	12	of	of	ADP
fsr-3196	176	13	asking	ask	VERB
fsr-3196	176	14	other	other	ADJ
fsr-3196	176	15	survey	survey	NOUN
fsr-3196	176	16	questions	question	NOUN
fsr-3196	176	17	,	,	PUNCT
fsr-3196	176	18	the	the	DET
fsr-3196	176	19	delayed	delay	VERB
fsr-3196	176	20	word	word	NOUN
fsr-3196	176	21	recall	recall	NOUN
fsr-3196	176	22	test	test	NOUN
fsr-3196	176	23	is	be	AUX
fsr-3196	176	24	administered	administer	VERB
fsr-3196	176	25	.	.	PUNCT
fsr-3196	177	1	again	again	ADV
fsr-3196	177	2	,	,	PUNCT
fsr-3196	177	3	the	the	DET
fsr-3196	177	4	respondent	respondent	NOUN
fsr-3196	177	5	is	be	AUX
fsr-3196	177	6	asked	ask	VERB
fsr-3196	177	7	to	to	PART
fsr-3196	177	8	recall	recall	VERB
fsr-3196	177	9	as	as	ADV
fsr-3196	177	10	many	many	ADJ
fsr-3196	177	11	words	word	NOUN
fsr-3196	177	12	as	as	SCONJ
fsr-3196	177	13	they	they	PRON
fsr-3196	177	14	can	can	AUX
fsr-3196	177	15	from	from	ADP
fsr-3196	177	16	the	the	DET
fsr-3196	177	17	list	list	NOUN
fsr-3196	177	18	.	.	PUNCT
fsr-3196	178	1	the	the	DET
fsr-3196	178	2	respondent	respondent	NOUN
fsr-3196	178	3	again	again	ADV
fsr-3196	178	4	receives	receive	VERB
fsr-3196	178	5	a	a	DET
fsr-3196	178	6	score	score	NOUN
fsr-3196	178	7	for	for	ADP
fsr-3196	178	8	the	the	DET
fsr-3196	178	9	number	number	NOUN
fsr-3196	178	10	of	of	ADP
fsr-3196	178	11	correctly	correctly	ADV
fsr-3196	178	12	recalled	recall	VERB
fsr-3196	178	13	words	word	NOUN
fsr-3196	178	14	.	.	PUNCT
fsr-3196	179	1	while	while	SCONJ
fsr-3196	179	2	smith	smith	PROPN
fsr-3196	179	3	et	et	PROPN
fsr-3196	179	4	al	al	PROPN
fsr-3196	179	5	.	.	PROPN
fsr-3196	180	1	(	(	PUNCT
fsr-3196	180	2	2010	2010	NUM
fsr-3196	180	3	)	)	PUNCT
fsr-3196	180	4	create	create	VERB
fsr-3196	180	5	a	a	DET
fsr-3196	180	6	combined	combine	VERB
fsr-3196	180	7	word	word	NOUN
fsr-3196	180	8	recall	recall	NOUN
fsr-3196	180	9	measure	measure	NOUN
fsr-3196	180	10	for	for	ADP
fsr-3196	180	11	each	each	DET
fsr-3196	180	12	respondent	respondent	NOUN
fsr-3196	180	13	by	by	ADP
fsr-3196	180	14	averaging	average	VERB
fsr-3196	180	15	her	her	PRON
fsr-3196	180	16	immediate	immediate	ADJ
fsr-3196	180	17	and	and	CCONJ
fsr-3196	180	18	delayed	delay	VERB
fsr-3196	180	19	word	word	NOUN
fsr-3196	180	20	recall	recall	NOUN
fsr-3196	180	21	scores	score	NOUN
fsr-3196	180	22	,	,	PUNCT
fsr-3196	180	23	we	we	PRON
fsr-3196	180	24	follow	follow	VERB
fsr-3196	180	25	the	the	DET
fsr-3196	180	26	common	common	ADJ
fsr-3196	180	27	practice	practice	NOUN
fsr-3196	180	28	of	of	ADP
fsr-3196	180	29	adding	add	VERB
fsr-3196	180	30	the	the	DET
fsr-3196	180	31	two	two	NUM
fsr-3196	180	32	scores	score	NOUN
fsr-3196	180	33	to	to	PART
fsr-3196	180	34	create	create	VERB
fsr-3196	180	35	a	a	DET
fsr-3196	180	36	total	total	ADJ
fsr-3196	180	37	word	word	NOUN
fsr-3196	180	38	recall	recall	NOUN
fsr-3196	180	39	(	(	PUNCT
fsr-3196	180	40	twr	twr	NOUN
fsr-3196	180	41	)	)	PUNCT
fsr-3196	180	42	score	score	NOUN
fsr-3196	180	43	for	for	ADP
fsr-3196	180	44	each	each	DET
fsr-3196	180	45	respondent	respondent	NOUN
fsr-3196	180	46	,	,	PUNCT
fsr-3196	180	47	leading	lead	VERB
fsr-3196	180	48	to	to	ADP
fsr-3196	180	49	a	a	DET
fsr-3196	180	50	score	score	NOUN
fsr-3196	180	51	range	range	NOUN
fsr-3196	180	52	of	of	ADP
fsr-3196	180	53	0	0	NUM
fsr-3196	180	54	to	to	PART
fsr-3196	180	55	20	20	NUM
fsr-3196	180	56	(	(	PUNCT
fsr-3196	180	57	see	see	VERB
fsr-3196	180	58	browning	browning	NOUN
fsr-3196	180	59	,	,	PUNCT
fsr-3196	180	60	2014	2014	NUM
fsr-3196	180	61	)	)	PUNCT
fsr-3196	180	62	.	.	PUNCT
fsr-3196	181	1	following	follow	VERB
fsr-3196	181	2	smith	smith	PROPN
fsr-3196	181	3	et	et	PROPN
fsr-3196	181	4	al	al	PROPN
fsr-3196	181	5	.	.	PROPN
fsr-3196	182	1	(	(	PUNCT
fsr-3196	182	2	2010	2010	NUM
fsr-3196	182	3	)	)	PUNCT
fsr-3196	182	4	,	,	PUNCT
fsr-3196	182	5	we	we	PRON
fsr-3196	182	6	measure	measure	VERB
fsr-3196	182	7	numeracy	numeracy	NOUN
fsr-3196	182	8	by	by	ADP
fsr-3196	182	9	using	use	VERB
fsr-3196	182	10	three	three	NUM
fsr-3196	182	11	questions	question	NOUN
fsr-3196	182	12	that	that	PRON
fsr-3196	182	13	were	be	AUX
fsr-3196	182	14	first	first	ADV
fsr-3196	182	15	included	include	VERB
fsr-3196	182	16	in	in	ADP
fsr-3196	182	17	the	the	DET
fsr-3196	182	18	2002	2002	NUM
fsr-3196	182	19	core	core	NOUN
fsr-3196	182	20	survey	survey	NOUN
fsr-3196	182	21	questions	question	NOUN
fsr-3196	182	22	and	and	CCONJ
fsr-3196	182	23	repeated	repeat	VERB
fsr-3196	182	24	every	every	DET
fsr-3196	182	25	second	second	ADJ
fsr-3196	182	26	wave	wave	NOUN
fsr-3196	182	27	since	since	ADV
fsr-3196	182	28	.	.	PUNCT
fsr-3196	183	1	the	the	DET
fsr-3196	183	2	first	first	ADJ
fsr-3196	183	3	question	question	NOUN
fsr-3196	183	4	asks	ask	VERB
fsr-3196	183	5	the	the	DET
fsr-3196	183	6	respondent	respondent	NOUN
fsr-3196	183	7	to	to	PART
fsr-3196	183	8	calculate	calculate	VERB
fsr-3196	183	9	the	the	DET
fsr-3196	183	10	number	number	NOUN
fsr-3196	183	11	of	of	ADP
fsr-3196	183	12	people	people	NOUN
fsr-3196	183	13	given	give	VERB
fsr-3196	183	14	a	a	DET
fsr-3196	183	15	known	know	VERB
fsr-3196	183	16	percentage	percentage	NOUN
fsr-3196	183	17	while	while	SCONJ
fsr-3196	183	18	the	the	DET
fsr-3196	183	19	second	second	ADJ
fsr-3196	183	20	question	question	NOUN
fsr-3196	183	21	asks	ask	VERB
fsr-3196	183	22	respondents	respondent	NOUN
fsr-3196	183	23	to	to	PART
fsr-3196	183	24	perform	perform	VERB
fsr-3196	183	25	a	a	DET
fsr-3196	183	26	division	division	NOUN
fsr-3196	183	27	problem.3,4	problem.3,4	ADJ
fsr-3196	183	28	if	if	SCONJ
fsr-3196	183	29	the	the	DET
fsr-3196	183	30	respondent	respondent	NOUN
fsr-3196	183	31	gets	get	VERB
fsr-3196	183	32	either	either	PRON
fsr-3196	183	33	of	of	ADP
fsr-3196	183	34	the	the	DET
fsr-3196	183	35	first	first	ADJ
fsr-3196	183	36	two	two	NUM
fsr-3196	183	37	questions	question	NOUN
fsr-3196	183	38	correct	correct	ADJ
fsr-3196	183	39	,	,	PUNCT
fsr-3196	183	40	they	they	PRON
fsr-3196	183	41	are	be	AUX
fsr-3196	183	42	then	then	ADV
fsr-3196	183	43	asked	ask	VERB
fsr-3196	183	44	the	the	DET
fsr-3196	183	45	third	third	ADJ
fsr-3196	183	46	question	question	NOUN
fsr-3196	183	47	where	where	SCONJ
fsr-3196	183	48	they	they	PRON
fsr-3196	183	49	are	be	AUX
fsr-3196	183	50	asked	ask	VERB
fsr-3196	183	51	to	to	PART
fsr-3196	183	52	solve	solve	VERB
fsr-3196	183	53	a	a	DET
fsr-3196	183	54	two	two	NUM
fsr-3196	183	55	-	-	PUNCT
fsr-3196	183	56	year	year	NOUN
fsr-3196	183	57	compounding	compounding	NOUN
fsr-3196	183	58	interest	interest	NOUN
fsr-3196	183	59	problem.5	problem.5	PROPN
fsr-3196	183	60	they	they	PRON
fsr-3196	183	61	receive	receive	VERB
fsr-3196	183	62	one	one	NUM
fsr-3196	183	63	point	point	NOUN
fsr-3196	183	64	for	for	ADP
fsr-3196	183	65	each	each	DET
fsr-3196	183	66	correct	correct	ADJ
fsr-3196	183	67	answer	answer	NOUN
fsr-3196	183	68	.	.	PUNCT
fsr-3196	184	1	we	we	PRON
fsr-3196	184	2	create	create	VERB
fsr-3196	184	3	a	a	DET
fsr-3196	184	4	numeracy	numeracy	NOUN
fsr-3196	184	5	score	score	NOUN
fsr-3196	184	6	by	by	ADP
fsr-3196	184	7	adding	add	VERB
fsr-3196	184	8	these	these	DET
fsr-3196	184	9	results	result	NOUN
fsr-3196	184	10	for	for	ADP
fsr-3196	184	11	each	each	DET
fsr-3196	184	12	respondent	respondent	NOUN
fsr-3196	184	13	,	,	PUNCT
fsr-3196	184	14	developing	develop	VERB
fsr-3196	184	15	a	a	DET
fsr-3196	184	16	score	score	NOUN
fsr-3196	184	17	range	range	NOUN
fsr-3196	184	18	of	of	ADP
fsr-3196	184	19	0	0	NUM
fsr-3196	184	20	to	to	PART
fsr-3196	184	21	3	3	NUM
fsr-3196	184	22	.	.	PUNCT
fsr-3196	184	23	to	to	PART
fsr-3196	184	24	create	create	VERB
fsr-3196	184	25	comparable	comparable	ADJ
fsr-3196	184	26	measures	measure	NOUN
fsr-3196	184	27	for	for	ADP
fsr-3196	184	28	episodic	episodic	ADJ
fsr-3196	184	29	memory	memory	NOUN
fsr-3196	184	30	and	and	CCONJ
fsr-3196	184	31	numeracy	numeracy	NOUN
fsr-3196	184	32	,	,	PUNCT
fsr-3196	184	33	we	we	PRON
fsr-3196	184	34	quartile	quartile	VERB
fsr-3196	184	35	each	each	DET
fsr-3196	184	36	measure	measure	NOUN
fsr-3196	184	37	.	.	PUNCT
fsr-3196	185	1	we	we	PRON
fsr-3196	185	2	separate	separate	VERB
fsr-3196	185	3	income	income	NOUN
fsr-3196	185	4	and	and	CCONJ
fsr-3196	185	5	net	net	ADJ
fsr-3196	185	6	worth	worth	NOUN
fsr-3196	185	7	into	into	ADP
fsr-3196	185	8	quartiles	quartile	NOUN
fsr-3196	185	9	.	.	PUNCT
fsr-3196	186	1	following	follow	VERB
fsr-3196	186	2	mulholland	mulholland	PROPN
fsr-3196	186	3	et	et	PROPN
fsr-3196	186	4	al	al	PROPN
fsr-3196	186	5	.	.	PUNCT
fsr-3196	187	1	(	(	PUNCT
fsr-3196	187	2	2016	2016	NUM
fsr-3196	187	3	)	)	PUNCT
fsr-3196	187	4	,	,	PUNCT
fsr-3196	187	5	we	we	PRON
fsr-3196	187	6	create	create	VERB
fsr-3196	187	7	a	a	DET
fsr-3196	187	8	dummy	dummy	ADJ
fsr-3196	187	9	variable	variable	NOUN
fsr-3196	187	10	to	to	PART
fsr-3196	187	11	identify	identify	VERB
fsr-3196	187	12	those	those	DET
fsr-3196	187	13	households	household	NOUN
fsr-3196	187	14	who	who	PRON
fsr-3196	187	15	may	may	AUX
fsr-3196	187	16	be	be	AUX
fsr-3196	187	17	vulnerable	vulnerable	ADJ
fsr-3196	187	18	to	to	ADP
fsr-3196	187	19	estate	estate	NOUN
fsr-3196	187	20	taxes	taxis	NOUN
fsr-3196	187	21	in	in	ADP
fsr-3196	187	22	2010	2010	NUM
fsr-3196	187	23	because	because	SCONJ
fsr-3196	187	24	they	they	PRON
fsr-3196	187	25	have	have	VERB
fsr-3196	187	26	net	net	ADJ
fsr-3196	187	27	worth	worth	NOUN
fsr-3196	187	28	,	,	PUNCT
fsr-3196	187	29	including	include	VERB
fsr-3196	187	30	a	a	DET
fsr-3196	187	31	second	second	ADJ
fsr-3196	187	32	home	home	NOUN
fsr-3196	187	33	,	,	PUNCT
fsr-3196	187	34	of	of	ADP
fsr-3196	187	35	greater	great	ADJ
fsr-3196	187	36	than	than	ADP
fsr-3196	187	37	$	$	SYM
fsr-3196	187	38	5	5	NUM
fsr-3196	187	39	million	million	NUM
fsr-3196	187	40	,	,	PUNCT
fsr-3196	187	41	the	the	DET
fsr-3196	187	42	then	then	ADV
fsr-3196	187	43	-	-	PUNCT
fsr-3196	187	44	current	current	ADJ
fsr-3196	187	45	maximum	maximum	ADJ
fsr-3196	187	46	estate	estate	NOUN
fsr-3196	187	47	tax	tax	NOUN
fsr-3196	187	48	exemption	exemption	NOUN
fsr-3196	187	49	.	.	PUNCT
fsr-3196	188	1	following	follow	VERB
fsr-3196	188	2	prior	prior	ADJ
fsr-3196	188	3	research	research	NOUN
fsr-3196	188	4	(	(	PUNCT
fsr-3196	188	5	brown	brown	PROPN
fsr-3196	188	6	&	&	CCONJ
fsr-3196	188	7	poterba	poterba	NOUN
fsr-3196	188	8	,	,	PUNCT
fsr-3196	188	9	2006	2006	NUM
fsr-3196	188	10	;	;	PUNCT
fsr-3196	188	11	fier	fier	X
fsr-3196	188	12	&	&	CCONJ
fsr-3196	188	13	liebenberg	liebenberg	PROPN
fsr-3196	188	14	,	,	PUNCT
fsr-3196	188	15	2013	2013	NUM
fsr-3196	188	16	)	)	PUNCT
fsr-3196	188	17	,	,	PUNCT
fsr-3196	188	18	we	we	PRON
fsr-3196	188	19	separate	separate	VERB
fsr-3196	188	20	age	age	NOUN
fsr-3196	188	21	into	into	ADP
fsr-3196	188	22	bands	band	NOUN
fsr-3196	188	23	to	to	PART
fsr-3196	188	24	capture	capture	VERB
fsr-3196	188	25	the	the	DET
fsr-3196	188	26	non	non	ADJ
fsr-3196	188	27	-	-	ADJ
fsr-3196	188	28	linear	linear	ADJ
fsr-3196	188	29	predicted	predict	VERB
fsr-3196	188	30	effect	effect	NOUN
fsr-3196	188	31	of	of	ADP
fsr-3196	188	32	the	the	DET
fsr-3196	188	33	life	life	NOUN
fsr-3196	188	34	cycle	cycle	NOUN
fsr-3196	188	35	stage	stage	NOUN
fsr-3196	188	36	and	and	CCONJ
fsr-3196	188	37	life	life	NOUN
fsr-3196	188	38	insurance	insurance	NOUN
fsr-3196	188	39	demand	demand	NOUN
fsr-3196	188	40	.	.	PUNCT
fsr-3196	189	1	to	to	PART
fsr-3196	189	2	proxy	proxy	VERB
fsr-3196	189	3	for	for	ADP
fsr-3196	189	4	unknown	unknown	ADJ
fsr-3196	189	5	bequest	bequest	NOUN
fsr-3196	189	6	factors	factor	NOUN
fsr-3196	189	7	,	,	PUNCT
fsr-3196	189	8	we	we	PRON
fsr-3196	189	9	create	create	VERB
fsr-3196	189	10	dummy	dummy	ADJ
fsr-3196	189	11	variables	variable	NOUN
fsr-3196	189	12	for	for	SCONJ
fsr-3196	189	13	the	the	DET
fsr-3196	189	14	respondent	respondent	NOUN
fsr-3196	189	15	being	be	AUX
fsr-3196	189	16	married	marry	VERB
fsr-3196	189	17	and	and	CCONJ
fsr-3196	189	18	having	have	VERB
fsr-3196	189	19	any	any	DET
fsr-3196	189	20	living	live	VERB
fsr-3196	189	21	children	child	NOUN
fsr-3196	189	22	,	,	PUNCT
fsr-3196	189	23	setting	set	VERB
fsr-3196	189	24	the	the	DET
fsr-3196	189	25	affirmative	affirmative	ADJ
fsr-3196	189	26	to	to	ADP
fsr-3196	189	27	1.0	1.0	NUM
fsr-3196	189	28	.	.	PUNCT
fsr-3196	190	1	we	we	PRON
fsr-3196	190	2	also	also	ADV
fsr-3196	190	3	create	create	VERB
fsr-3196	190	4	a	a	DET
fsr-3196	190	5	dummy	dummy	ADJ
fsr-3196	190	6	variable	variable	NOUN
fsr-3196	190	7	for	for	ADP
fsr-3196	190	8	gender	gender	NOUN
fsr-3196	190	9	,	,	PUNCT
fsr-3196	190	10	setting	set	VERB
fsr-3196	190	11	it	it	PRON
fsr-3196	190	12	to	to	ADP
fsr-3196	190	13	1.0	1.0	NUM
fsr-3196	190	14	for	for	ADP
fsr-3196	190	15	males	male	NOUN
fsr-3196	190	16	.	.	PUNCT
fsr-3196	191	1	80	80	NUM
fsr-3196	191	2	b.	b.	PROPN
fsr-3196	191	3	s.	s.	PROPN
fsr-3196	191	4	mulholland	mulholland	PROPN
fsr-3196	191	5	and	and	CCONJ
fsr-3196	191	6	m.	m.	PROPN
fsr-3196	191	7	s.	s.	PROPN
fsr-3196	191	8	finke	finke	PROPN
fsr-3196	191	9	/	/	SYM
fsr-3196	191	10	financial	financial	ADJ
fsr-3196	191	11	services	service	NOUN
fsr-3196	191	12	review	review	VERB
fsr-3196	191	13	31	31	NUM
fsr-3196	191	14	(	(	PUNCT
fsr-3196	191	15	2023	2023	NUM
fsr-3196	191	16	)	)	PUNCT
fsr-3196	191	17	73–96	73–96	NUM
fsr-3196	191	18	we	we	PRON
fsr-3196	191	19	create	create	VERB
fsr-3196	191	20	a	a	DET
fsr-3196	191	21	total	total	ADJ
fsr-3196	191	22	household	household	NOUN
fsr-3196	191	23	-	-	PUNCT
fsr-3196	191	24	level	level	NOUN
fsr-3196	191	25	debt	debt	NOUN
fsr-3196	191	26	variable	variable	NOUN
fsr-3196	191	27	by	by	ADP
fsr-3196	191	28	first	first	ADV
fsr-3196	191	29	adding	add	VERB
fsr-3196	191	30	the	the	DET
fsr-3196	191	31	total	total	ADJ
fsr-3196	191	32	mortgage	mortgage	NOUN
fsr-3196	191	33	debt	debt	NOUN
fsr-3196	191	34	to	to	ADP
fsr-3196	191	35	the	the	DET
fsr-3196	191	36	total	total	ADJ
fsr-3196	191	37	other	other	ADJ
fsr-3196	191	38	household	household	NOUN
fsr-3196	191	39	debt	debt	NOUN
fsr-3196	191	40	.	.	PUNCT
fsr-3196	192	1	following	follow	VERB
fsr-3196	192	2	fier	fier	NOUN
fsr-3196	192	3	and	and	CCONJ
fsr-3196	192	4	liebenberg	liebenberg	ADV
fsr-3196	192	5	(	(	PUNCT
fsr-3196	192	6	2013	2013	NUM
fsr-3196	192	7	)	)	PUNCT
fsr-3196	192	8	,	,	PUNCT
fsr-3196	192	9	we	we	PRON
fsr-3196	192	10	control	control	VERB
fsr-3196	192	11	for	for	ADP
fsr-3196	192	12	household	household	NOUN
fsr-3196	192	13	-	-	PUNCT
fsr-3196	192	14	level	level	NOUN
fsr-3196	192	15	debt	debt	NOUN
fsr-3196	192	16	by	by	ADP
fsr-3196	192	17	using	use	VERB
fsr-3196	192	18	the	the	DET
fsr-3196	192	19	natural	natural	ADJ
fsr-3196	192	20	logarithm	logarithm	NOUN
fsr-3196	192	21	of	of	ADP
fsr-3196	192	22	the	the	DET
fsr-3196	192	23	total	total	ADJ
fsr-3196	192	24	household	household	NOUN
fsr-3196	192	25	-	-	PUNCT
fsr-3196	192	26	level	level	NOUN
fsr-3196	192	27	debt	debt	NOUN
fsr-3196	192	28	.	.	PUNCT
fsr-3196	193	1	the	the	DET
fsr-3196	193	2	categories	category	NOUN
fsr-3196	193	3	for	for	ADP
fsr-3196	193	4	race	race	NOUN
fsr-3196	193	5	,	,	PUNCT
fsr-3196	193	6	education	education	NOUN
fsr-3196	193	7	,	,	PUNCT
fsr-3196	193	8	and	and	CCONJ
fsr-3196	193	9	health	health	NOUN
fsr-3196	193	10	problems	problem	NOUN
fsr-3196	193	11	are	be	AUX
fsr-3196	193	12	separated	separate	VERB
fsr-3196	193	13	into	into	ADP
fsr-3196	193	14	dichotomous	dichotomous	ADJ
fsr-3196	193	15	variables	variable	NOUN
fsr-3196	193	16	.	.	PUNCT
fsr-3196	194	1	the	the	DET
fsr-3196	194	2	categories	category	NOUN
fsr-3196	194	3	of	of	ADP
fsr-3196	194	4	race	race	NOUN
fsr-3196	194	5	are	be	AUX
fsr-3196	194	6	separated	separate	VERB
fsr-3196	194	7	into	into	ADP
fsr-3196	194	8	the	the	DET
fsr-3196	194	9	binary	binary	ADJ
fsr-3196	194	10	variables	variable	NOUN
fsr-3196	194	11	white	white	ADJ
fsr-3196	194	12	,	,	PUNCT
fsr-3196	194	13	black	black	ADJ
fsr-3196	194	14	,	,	PUNCT
fsr-3196	194	15	and	and	CCONJ
fsr-3196	194	16	other	other	ADJ
fsr-3196	194	17	race	race	NOUN
fsr-3196	194	18	.	.	PUNCT
fsr-3196	195	1	education	education	NOUN
fsr-3196	195	2	is	be	AUX
fsr-3196	195	3	separated	separate	VERB
fsr-3196	195	4	into	into	ADP
fsr-3196	195	5	four	four	NUM
fsr-3196	195	6	variables	variable	NOUN
fsr-3196	195	7	consisting	consist	VERB
fsr-3196	195	8	of	of	ADP
fsr-3196	195	9	less	less	ADJ
fsr-3196	195	10	than	than	ADP
fsr-3196	195	11	high	high	ADJ
fsr-3196	195	12	school	school	NOUN
fsr-3196	195	13	,	,	PUNCT
fsr-3196	195	14	high	high	ADJ
fsr-3196	195	15	school	school	NOUN
fsr-3196	195	16	,	,	PUNCT
fsr-3196	195	17	some	some	DET
fsr-3196	195	18	college	college	NOUN
fsr-3196	195	19	,	,	PUNCT
fsr-3196	195	20	and	and	CCONJ
fsr-3196	195	21	college	college	NOUN
fsr-3196	195	22	degree	degree	NOUN
fsr-3196	195	23	.	.	PUNCT
fsr-3196	196	1	eight	eight	NUM
fsr-3196	196	2	separate	separate	ADJ
fsr-3196	196	3	health	health	NOUN
fsr-3196	196	4	problems	problem	NOUN
fsr-3196	196	5	are	be	AUX
fsr-3196	196	6	identified	identify	VERB
fsr-3196	196	7	in	in	ADP
fsr-3196	196	8	the	the	DET
fsr-3196	196	9	hrs	hrs	NOUN
fsr-3196	196	10	,	,	PUNCT
fsr-3196	196	11	including	include	VERB
fsr-3196	196	12	high	high	ADJ
fsr-3196	196	13	blood	blood	NOUN
fsr-3196	196	14	pressure	pressure	NOUN
fsr-3196	196	15	,	,	PUNCT
fsr-3196	196	16	diabetes	diabetes	NOUN
fsr-3196	196	17	,	,	PUNCT
fsr-3196	196	18	cancer	cancer	NOUN
fsr-3196	196	19	,	,	PUNCT
fsr-3196	196	20	lung	lung	NOUN
fsr-3196	196	21	disease	disease	NOUN
fsr-3196	196	22	,	,	PUNCT
fsr-3196	196	23	heart	heart	NOUN
fsr-3196	196	24	disease	disease	NOUN
fsr-3196	196	25	,	,	PUNCT
fsr-3196	196	26	stroke	stroke	NOUN
fsr-3196	196	27	,	,	PUNCT
fsr-3196	196	28	psychological	psychological	ADJ
fsr-3196	196	29	problems	problem	NOUN
fsr-3196	196	30	,	,	PUNCT
fsr-3196	196	31	and	and	CCONJ
fsr-3196	196	32	arthritis	arthritis	NOUN
fsr-3196	196	33	.	.	PUNCT
fsr-3196	197	1	respondents	respondent	NOUN
fsr-3196	197	2	are	be	AUX
fsr-3196	197	3	asked	ask	VERB
fsr-3196	197	4	in	in	ADP
fsr-3196	197	5	each	each	DET
fsr-3196	197	6	wave	wave	NOUN
fsr-3196	197	7	if	if	SCONJ
fsr-3196	197	8	they	they	PRON
fsr-3196	197	9	have	have	AUX
fsr-3196	197	10	been	be	AUX
fsr-3196	197	11	diagnosed	diagnose	VERB
fsr-3196	197	12	with	with	ADP
fsr-3196	197	13	any	any	PRON
fsr-3196	197	14	of	of	ADP
fsr-3196	197	15	these	these	DET
fsr-3196	197	16	health	health	NOUN
fsr-3196	197	17	problems	problem	NOUN
fsr-3196	197	18	.	.	PUNCT
fsr-3196	198	1	similar	similar	ADJ
fsr-3196	198	2	to	to	ADP
fsr-3196	198	3	fang	fang	X
fsr-3196	198	4	and	and	CCONJ
fsr-3196	198	5	kung	kung	PROPN
fsr-3196	198	6	(	(	PUNCT
fsr-3196	198	7	2012	2012	NUM
fsr-3196	198	8	)	)	PUNCT
fsr-3196	198	9	,	,	PUNCT
fsr-3196	198	10	we	we	PRON
fsr-3196	198	11	total	total	VERB
fsr-3196	198	12	the	the	DET
fsr-3196	198	13	number	number	NOUN
fsr-3196	198	14	of	of	ADP
fsr-3196	198	15	health	health	NOUN
fsr-3196	198	16	problems	problem	NOUN
fsr-3196	198	17	the	the	DET
fsr-3196	198	18	respondents	respondent	NOUN
fsr-3196	198	19	indicate	indicate	VERB
fsr-3196	198	20	,	,	PUNCT
fsr-3196	198	21	creating	create	VERB
fsr-3196	198	22	a	a	DET
fsr-3196	198	23	health	health	NOUN
fsr-3196	198	24	problem	problem	NOUN
fsr-3196	198	25	score	score	NOUN
fsr-3196	198	26	of	of	ADP
fsr-3196	198	27	0	0	NUM
fsr-3196	198	28	to	to	PART
fsr-3196	198	29	8	8	NUM
fsr-3196	198	30	.	.	PUNCT
fsr-3196	199	1	we	we	PRON
fsr-3196	199	2	then	then	ADV
fsr-3196	199	3	create	create	VERB
fsr-3196	199	4	dummy	dummy	ADJ
fsr-3196	199	5	variables	variable	NOUN
fsr-3196	199	6	for	for	ADP
fsr-3196	199	7	each	each	PRON
fsr-3196	199	8	of	of	ADP
fsr-3196	199	9	0	0	NUM
fsr-3196	199	10	through	through	ADP
fsr-3196	199	11	3	3	NUM
fsr-3196	199	12	problems	problem	NOUN
fsr-3196	199	13	and	and	CCONJ
fsr-3196	199	14	create	create	VERB
fsr-3196	199	15	a	a	DET
fsr-3196	199	16	dummy	dummy	ADJ
fsr-3196	199	17	variable	variable	NOUN
fsr-3196	199	18	capturing	capture	VERB
fsr-3196	199	19	4	4	NUM
fsr-3196	199	20	or	or	CCONJ
fsr-3196	199	21	more	more	ADJ
fsr-3196	199	22	health	health	NOUN
fsr-3196	199	23	problems	problem	NOUN
fsr-3196	199	24	.	.	PUNCT
fsr-3196	200	1	the	the	DET
fsr-3196	200	2	five	five	NUM
fsr-3196	200	3	shocks	shock	NOUN
fsr-3196	200	4	or	or	CCONJ
fsr-3196	200	5	major	major	ADJ
fsr-3196	200	6	changes	change	NOUN
fsr-3196	200	7	we	we	PRON
fsr-3196	200	8	control	control	VERB
fsr-3196	200	9	for	for	ADP
fsr-3196	200	10	include	include	VERB
fsr-3196	200	11	newly	newly	ADV
fsr-3196	200	12	retired	retire	VERB
fsr-3196	200	13	,	,	PUNCT
fsr-3196	200	14	income	income	NOUN
fsr-3196	200	15	shock	shock	NOUN
fsr-3196	200	16	,	,	PUNCT
fsr-3196	200	17	additional	additional	ADJ
fsr-3196	200	18	kids	kid	NOUN
fsr-3196	200	19	at	at	ADP
fsr-3196	200	20	home	home	NOUN
fsr-3196	200	21	shock	shock	NOUN
fsr-3196	200	22	,	,	PUNCT
fsr-3196	200	23	marriage	marriage	NOUN
fsr-3196	200	24	shock	shock	NOUN
fsr-3196	200	25	,	,	PUNCT
fsr-3196	200	26	and	and	CCONJ
fsr-3196	200	27	health	health	NOUN
fsr-3196	200	28	shock	shock	NOUN
fsr-3196	200	29	,	,	PUNCT
fsr-3196	200	30	creating	create	VERB
fsr-3196	200	31	dichotomous	dichotomous	ADJ
fsr-3196	200	32	variables	variable	NOUN
fsr-3196	200	33	for	for	ADP
fsr-3196	200	34	each	each	PRON
fsr-3196	200	35	.	.	PUNCT
fsr-3196	201	1	just	just	ADV
fsr-3196	201	2	as	as	SCONJ
fsr-3196	201	3	fier	fier	NOUN
fsr-3196	201	4	and	and	CCONJ
fsr-3196	201	5	liebenberg	liebenberg	ADV
fsr-3196	201	6	(	(	PUNCT
fsr-3196	201	7	2013	2013	NUM
fsr-3196	201	8	)	)	PUNCT
fsr-3196	201	9	do	do	VERB
fsr-3196	201	10	,	,	PUNCT
fsr-3196	201	11	we	we	PRON
fsr-3196	201	12	set	set	VERB
fsr-3196	201	13	newly	newly	ADV
fsr-3196	201	14	retired	retire	VERB
fsr-3196	201	15	equal	equal	ADJ
fsr-3196	201	16	to	to	ADP
fsr-3196	201	17	1.0	1.0	NUM
fsr-3196	201	18	if	if	SCONJ
fsr-3196	201	19	the	the	DET
fsr-3196	201	20	respondent	respondent	NOUN
fsr-3196	201	21	identifies	identify	VERB
fsr-3196	201	22	herself	herself	PRON
fsr-3196	201	23	in	in	ADP
fsr-3196	201	24	2008	2008	NUM
fsr-3196	201	25	as	as	ADP
fsr-3196	201	26	not	not	PART
fsr-3196	201	27	retired	retire	VERB
fsr-3196	201	28	and	and	CCONJ
fsr-3196	201	29	then	then	ADV
fsr-3196	201	30	identified	identify	VERB
fsr-3196	201	31	herself	herself	PRON
fsr-3196	201	32	as	as	SCONJ
fsr-3196	201	33	retired	retire	VERB
fsr-3196	201	34	in	in	ADP
fsr-3196	201	35	2010	2010	NUM
fsr-3196	201	36	.	.	PUNCT
fsr-3196	202	1	fier	fier	NOUN
fsr-3196	202	2	and	and	CCONJ
fsr-3196	202	3	liebenberg	liebenberg	ADV
fsr-3196	202	4	explore	explore	VERB
fsr-3196	202	5	the	the	DET
fsr-3196	202	6	efh	efh	NOUN
fsr-3196	202	7	over	over	ADP
fsr-3196	202	8	the	the	DET
fsr-3196	202	9	entire	entire	ADJ
fsr-3196	202	10	range	range	NOUN
fsr-3196	202	11	of	of	ADP
fsr-3196	202	12	income	income	NOUN
fsr-3196	202	13	decline	decline	NOUN
fsr-3196	202	14	and	and	CCONJ
fsr-3196	202	15	find	find	VERB
fsr-3196	202	16	that	that	DET
fsr-3196	202	17	lapse	lapse	NOUN
fsr-3196	202	18	is	be	AUX
fsr-3196	202	19	related	relate	VERB
fsr-3196	202	20	to	to	ADP
fsr-3196	202	21	income	income	NOUN
fsr-3196	202	22	shock	shock	NOUN
fsr-3196	202	23	for	for	ADP
fsr-3196	202	24	those	those	DET
fsr-3196	202	25	households	household	NOUN
fsr-3196	202	26	with	with	ADP
fsr-3196	202	27	the	the	DET
fsr-3196	202	28	most	most	ADV
fsr-3196	202	29	extreme	extreme	ADJ
fsr-3196	202	30	levels	level	NOUN
fsr-3196	202	31	of	of	ADP
fsr-3196	202	32	income	income	NOUN
fsr-3196	202	33	decline	decline	NOUN
fsr-3196	202	34	,	,	PUNCT
fsr-3196	202	35	roughly	roughly	ADV
fsr-3196	202	36	the	the	DET
fsr-3196	202	37	worst	bad	ADJ
fsr-3196	202	38	24	24	NUM
fsr-3196	202	39	%	%	NOUN
fsr-3196	202	40	of	of	ADP
fsr-3196	202	41	their	their	PRON
fsr-3196	202	42	sample	sample	NOUN
fsr-3196	202	43	.	.	PUNCT
fsr-3196	203	1	since	since	SCONJ
fsr-3196	203	2	our	our	PRON
fsr-3196	203	3	focus	focus	NOUN
fsr-3196	203	4	is	be	AUX
fsr-3196	203	5	to	to	PART
fsr-3196	203	6	explore	explore	VERB
fsr-3196	203	7	the	the	DET
fsr-3196	203	8	impact	impact	NOUN
fsr-3196	203	9	of	of	ADP
fsr-3196	203	10	cognitive	cognitive	ADJ
fsr-3196	203	11	ability	ability	NOUN
fsr-3196	203	12	and	and	CCONJ
fsr-3196	203	13	not	not	PART
fsr-3196	203	14	specifically	specifically	ADV
fsr-3196	203	15	find	find	VERB
fsr-3196	203	16	additional	additional	ADJ
fsr-3196	203	17	validation	validation	NOUN
fsr-3196	203	18	for	for	ADP
fsr-3196	203	19	the	the	DET
fsr-3196	203	20	efh	efh	NOUN
fsr-3196	203	21	,	,	PUNCT
fsr-3196	203	22	we	we	PRON
fsr-3196	203	23	use	use	VERB
fsr-3196	203	24	a	a	DET
fsr-3196	203	25	more	more	ADV
fsr-3196	203	26	conservative	conservative	ADJ
fsr-3196	203	27	10	10	NUM
fsr-3196	203	28	%	%	NOUN
fsr-3196	203	29	income	income	NOUN
fsr-3196	203	30	decline	decline	NOUN
fsr-3196	203	31	in	in	ADP
fsr-3196	203	32	real	real	ADJ
fsr-3196	203	33	dollars	dollar	NOUN
fsr-3196	203	34	from	from	ADP
fsr-3196	203	35	the	the	DET
fsr-3196	203	36	prior	prior	ADJ
fsr-3196	203	37	wave	wave	NOUN
fsr-3196	203	38	to	to	PART
fsr-3196	203	39	indicate	indicate	VERB
fsr-3196	203	40	an	an	DET
fsr-3196	203	41	income	income	NOUN
fsr-3196	203	42	shock	shock	NOUN
fsr-3196	203	43	.	.	PUNCT
fsr-3196	204	1	we	we	PRON
fsr-3196	204	2	set	set	VERB
fsr-3196	204	3	the	the	DET
fsr-3196	204	4	dichotomous	dichotomous	ADJ
fsr-3196	204	5	variable	variable	NOUN
fsr-3196	204	6	measuring	measure	VERB
fsr-3196	204	7	additional	additional	ADJ
fsr-3196	204	8	kids	kid	NOUN
fsr-3196	204	9	in	in	ADP
fsr-3196	204	10	the	the	DET
fsr-3196	204	11	home	home	NOUN
fsr-3196	204	12	to	to	ADP
fsr-3196	204	13	1.0	1.0	NUM
fsr-3196	204	14	when	when	SCONJ
fsr-3196	204	15	there	there	PRON
fsr-3196	204	16	is	be	VERB
fsr-3196	204	17	an	an	DET
fsr-3196	204	18	increase	increase	NOUN
fsr-3196	204	19	of	of	ADP
fsr-3196	204	20	one	one	NUM
fsr-3196	204	21	or	or	CCONJ
fsr-3196	204	22	more	more	ADJ
fsr-3196	204	23	kids	kid	NOUN
fsr-3196	204	24	at	at	ADP
fsr-3196	204	25	home	home	NOUN
fsr-3196	204	26	since	since	SCONJ
fsr-3196	204	27	the	the	DET
fsr-3196	204	28	prior	prior	ADJ
fsr-3196	204	29	wave	wave	NOUN
fsr-3196	204	30	.	.	PUNCT
fsr-3196	205	1	the	the	DET
fsr-3196	205	2	marriage	marriage	NOUN
fsr-3196	205	3	shock	shock	NOUN
fsr-3196	205	4	variable	variable	NOUN
fsr-3196	205	5	is	be	AUX
fsr-3196	205	6	set	set	VERB
fsr-3196	205	7	to	to	ADP
fsr-3196	205	8	1	1	NUM
fsr-3196	205	9	if	if	SCONJ
fsr-3196	205	10	the	the	DET
fsr-3196	205	11	marital	marital	ADJ
fsr-3196	205	12	status	status	NOUN
fsr-3196	205	13	has	have	AUX
fsr-3196	205	14	changed	change	VERB
fsr-3196	205	15	to	to	PART
fsr-3196	205	16	unmarried	unmarried	ADJ
fsr-3196	205	17	,	,	PUNCT
fsr-3196	205	18	whether	whether	SCONJ
fsr-3196	205	19	because	because	SCONJ
fsr-3196	205	20	of	of	ADP
fsr-3196	205	21	divorce	divorce	NOUN
fsr-3196	205	22	or	or	CCONJ
fsr-3196	205	23	the	the	DET
fsr-3196	205	24	death	death	NOUN
fsr-3196	205	25	of	of	ADP
fsr-3196	205	26	the	the	DET
fsr-3196	205	27	spouse	spouse	NOUN
fsr-3196	205	28	,	,	PUNCT
fsr-3196	205	29	since	since	SCONJ
fsr-3196	205	30	the	the	DET
fsr-3196	205	31	2008	2008	NUM
fsr-3196	205	32	wave	wave	NOUN
fsr-3196	205	33	.	.	PUNCT
fsr-3196	206	1	finally	finally	ADV
fsr-3196	206	2	,	,	PUNCT
fsr-3196	206	3	since	since	SCONJ
fsr-3196	206	4	the	the	DET
fsr-3196	206	5	number	number	NOUN
fsr-3196	206	6	of	of	ADP
fsr-3196	206	7	health	health	NOUN
fsr-3196	206	8	conditions	condition	NOUN
fsr-3196	206	9	usually	usually	ADV
fsr-3196	206	10	increases	increase	VERB
fsr-3196	206	11	over	over	ADP
fsr-3196	206	12	time	time	NOUN
fsr-3196	206	13	(	(	PUNCT
fsr-3196	206	14	fang	fang	X
fsr-3196	206	15	&	&	CCONJ
fsr-3196	206	16	kung	kung	PROPN
fsr-3196	206	17	,	,	PUNCT
fsr-3196	206	18	2012	2012	NUM
fsr-3196	206	19	)	)	PUNCT
fsr-3196	206	20	,	,	PUNCT
fsr-3196	206	21	an	an	DET
fsr-3196	206	22	increase	increase	NOUN
fsr-3196	206	23	of	of	ADP
fsr-3196	206	24	one	one	NUM
fsr-3196	206	25	health	health	NOUN
fsr-3196	206	26	condition	condition	NOUN
fsr-3196	206	27	from	from	ADP
fsr-3196	206	28	the	the	DET
fsr-3196	206	29	prior	prior	ADJ
fsr-3196	206	30	wave	wave	NOUN
fsr-3196	206	31	may	may	AUX
fsr-3196	206	32	not	not	PART
fsr-3196	206	33	capture	capture	VERB
fsr-3196	206	34	a	a	DET
fsr-3196	206	35	true	true	ADJ
fsr-3196	206	36	health	health	NOUN
fsr-3196	206	37	shock	shock	NOUN
fsr-3196	206	38	.	.	PUNCT
fsr-3196	207	1	therefore	therefore	ADV
fsr-3196	207	2	,	,	PUNCT
fsr-3196	207	3	we	we	PRON
fsr-3196	207	4	specify	specify	VERB
fsr-3196	207	5	health	health	NOUN
fsr-3196	207	6	shock	shock	NOUN
fsr-3196	207	7	to	to	PART
fsr-3196	207	8	be	be	AUX
fsr-3196	207	9	an	an	DET
fsr-3196	207	10	increase	increase	NOUN
fsr-3196	207	11	of	of	ADP
fsr-3196	207	12	two	two	NUM
fsr-3196	207	13	health	health	NOUN
fsr-3196	207	14	problems	problem	NOUN
fsr-3196	207	15	since	since	SCONJ
fsr-3196	207	16	the	the	DET
fsr-3196	207	17	prior	prior	ADJ
fsr-3196	207	18	wave	wave	NOUN
fsr-3196	207	19	.	.	PUNCT
fsr-3196	208	1	all	all	DET
fsr-3196	208	2	variables	variable	NOUN
fsr-3196	208	3	are	be	AUX
fsr-3196	208	4	listed	list	VERB
fsr-3196	208	5	with	with	ADP
fsr-3196	208	6	the	the	DET
fsr-3196	208	7	summary	summary	NOUN
fsr-3196	208	8	statistics	statistic	NOUN
fsr-3196	208	9	in	in	ADP
fsr-3196	208	10	table	table	NOUN
fsr-3196	208	11	2	2	NUM
fsr-3196	208	12	.	.	NOUN
fsr-3196	208	13	4	4	NUM
fsr-3196	208	14	.	.	NOUN
fsr-3196	208	15	results	result	VERB
fsr-3196	208	16	4.1	4.1	NUM
fsr-3196	208	17	.	.	PUNCT
fsr-3196	209	1	descriptive	descriptive	ADJ
fsr-3196	209	2	analysis	analysis	NOUN
fsr-3196	209	3	approximately	approximately	ADV
fsr-3196	209	4	4	4	NUM
fsr-3196	209	5	%	%	NOUN
fsr-3196	209	6	of	of	ADP
fsr-3196	209	7	our	our	PRON
fsr-3196	209	8	sample	sample	NOUN
fsr-3196	209	9	lapsed	lapse	VERB
fsr-3196	209	10	their	their	PRON
fsr-3196	209	11	policies	policy	NOUN
fsr-3196	209	12	in	in	ADP
fsr-3196	209	13	the	the	DET
fsr-3196	209	14	two	two	NUM
fsr-3196	209	15	years	year	NOUN
fsr-3196	209	16	prior	prior	ADV
fsr-3196	209	17	to	to	ADP
fsr-3196	209	18	2010	2010	NUM
fsr-3196	209	19	.	.	PUNCT
fsr-3196	210	1	this	this	PRON
fsr-3196	210	2	appears	appear	VERB
fsr-3196	210	3	to	to	PART
fsr-3196	210	4	be	be	AUX
fsr-3196	210	5	in	in	ADP
fsr-3196	210	6	line	line	NOUN
fsr-3196	210	7	with	with	ADP
fsr-3196	210	8	the	the	DET
fsr-3196	210	9	typical	typical	ADJ
fsr-3196	210	10	5	5	NUM
fsr-3196	210	11	to	to	PART
fsr-3196	210	12	5.5	5.5	NUM
fsr-3196	210	13	%	%	NOUN
fsr-3196	210	14	annual	annual	ADJ
fsr-3196	210	15	individual	individual	ADJ
fsr-3196	210	16	policy	policy	NOUN
fsr-3196	210	17	lapse	lapse	NOUN
fsr-3196	210	18	rates	rate	NOUN
fsr-3196	210	19	as	as	SCONJ
fsr-3196	210	20	reported	report	VERB
fsr-3196	210	21	by	by	ADP
fsr-3196	210	22	acli	acli	NOUN
fsr-3196	210	23	in	in	ADP
fsr-3196	210	24	their	their	PRON
fsr-3196	210	25	annual	annual	ADJ
fsr-3196	210	26	industry	industry	NOUN
fsr-3196	210	27	report	report	NOUN
fsr-3196	210	28	(	(	PUNCT
fsr-3196	210	29	acli	acli	ADJ
fsr-3196	210	30	,	,	PUNCT
fsr-3196	210	31	2012	2012	NUM
fsr-3196	210	32	)	)	PUNCT
fsr-3196	210	33	.	.	PUNCT
fsr-3196	211	1	non	non	ADJ
fsr-3196	211	2	-	-	ADJ
fsr-3196	211	3	voluntary	voluntary	ADJ
fsr-3196	211	4	policy	policy	NOUN
fsr-3196	211	5	lapsation	lapsation	NOUN
fsr-3196	211	6	is	be	AUX
fsr-3196	211	7	occurring	occur	VERB
fsr-3196	211	8	as	as	SCONJ
fsr-3196	211	9	evidenced	evidence	VERB
fsr-3196	211	10	by	by	ADP
fsr-3196	211	11	the	the	DET
fsr-3196	211	12	additional	additional	ADJ
fsr-3196	211	13	10	10	NUM
fsr-3196	211	14	%	%	NOUN
fsr-3196	211	15	decline	decline	NOUN
fsr-3196	211	16	in	in	ADP
fsr-3196	211	17	life	life	NOUN
fsr-3196	211	18	insurance	insurance	NOUN
fsr-3196	211	19	ownership	ownership	NOUN
fsr-3196	211	20	indicated	indicate	VERB
fsr-3196	211	21	by	by	ADP
fsr-3196	211	22	our	our	PRON
fsr-3196	211	23	sample	sample	NOUN
fsr-3196	211	24	.	.	PUNCT
fsr-3196	212	1	b.	b.	PROPN
fsr-3196	212	2	s.	s.	PROPN
fsr-3196	212	3	mulholland	mulholland	PROPN
fsr-3196	212	4	and	and	CCONJ
fsr-3196	212	5	m.	m.	PROPN
fsr-3196	212	6	s.	s.	PROPN
fsr-3196	212	7	finke	finke	PROPN
fsr-3196	212	8	/	/	SYM
fsr-3196	212	9	financial	financial	ADJ
fsr-3196	212	10	services	service	NOUN
fsr-3196	212	11	review	review	VERB
fsr-3196	212	12	31	31	NUM
fsr-3196	212	13	(	(	PUNCT
fsr-3196	212	14	2023	2023	NUM
fsr-3196	212	15	)	)	PUNCT
fsr-3196	212	16	73–96	73–96	NUM
fsr-3196	212	17	81	81	NUM
fsr-3196	212	18	table	table	NOUN
fsr-3196	212	19	2	2	NUM
fsr-3196	212	20	variable	variable	ADJ
fsr-3196	212	21	summary	summary	NOUN
fsr-3196	212	22	statistics	statistic	NOUN
fsr-3196	212	23	wave	wave	VERB
fsr-3196	212	24	10–2010	10–2010	PROPN
fsr-3196	212	25	n	n	NOUN
fsr-3196	212	26	=	=	SYM
fsr-3196	212	27	8,795	8,795	NUM
fsr-3196	212	28	384	384	NUM
fsr-3196	212	29	respondents	respondent	NOUN
fsr-3196	212	30	reported	report	VERB
fsr-3196	212	31	lapse	lapse	NOUN
fsr-3196	212	32	mean	mean	NOUN
fsr-3196	212	33	sd	sd	ADP
fsr-3196	212	34	insurance	insurance	NOUN
fsr-3196	212	35	ownership	ownership	NOUN
fsr-3196	212	36	variables	variable	NOUN
fsr-3196	212	37	%	%	NOUN
fsr-3196	212	38	of	of	ADP
fsr-3196	212	39	sample	sample	NOUN
fsr-3196	212	40	own	own	ADJ
fsr-3196	212	41	life	life	NOUN
fsr-3196	212	42	insurance	insurance	NOUN
fsr-3196	212	43	in	in	ADP
fsr-3196	212	44	2010	2010	NUM
fsr-3196	212	45	0.86	0.86	NUM
fsr-3196	212	46	0.35	0.35	NUM
fsr-3196	212	47	life	life	NOUN
fsr-3196	212	48	insurance	insurance	NOUN
fsr-3196	212	49	status	status	NOUN
fsr-3196	212	50	lapse	lapse	NOUN
fsr-3196	212	51	a	a	DET
fsr-3196	212	52	policy	policy	NOUN
fsr-3196	212	53	due	due	ADP
fsr-3196	212	54	to	to	ADP
fsr-3196	212	55	their	their	PRON
fsr-3196	212	56	choice	choice	NOUN
fsr-3196	212	57	in	in	ADP
fsr-3196	212	58	prior	prior	ADJ
fsr-3196	212	59	two	two	NUM
fsr-3196	212	60	years	year	NOUN
fsr-3196	212	61	0.04	0.04	NUM
fsr-3196	212	62	0.20	0.20	NUM
fsr-3196	212	63	explanatory	explanatory	ADJ
fsr-3196	212	64	variables	variable	NOUN
fsr-3196	212	65	cognitive	cognitive	ADJ
fsr-3196	212	66	ability	ability	NOUN
fsr-3196	212	67	episodic	episodic	ADJ
fsr-3196	212	68	memory	memory	NOUN
fsr-3196	212	69	(	(	PUNCT
fsr-3196	212	70	total	total	ADJ
fsr-3196	212	71	word	word	NOUN
fsr-3196	212	72	recall	recall	NOUN
fsr-3196	212	73	)	)	PUNCT
fsr-3196	212	74	(	(	PUNCT
fsr-3196	212	75	no	no	INTJ
fsr-3196	212	76	.	.	PUNCT
fsr-3196	213	1	correct	correct	ADJ
fsr-3196	213	2	)	)	PUNCT
fsr-3196	213	3	9.75	9.75	NUM
fsr-3196	213	4	3.48	3.48	NUM
fsr-3196	213	5	memory	memory	NOUN
fsr-3196	213	6	quartiles	quartile	NOUN
fsr-3196	213	7	(	(	PUNCT
fsr-3196	213	8	no	no	INTJ
fsr-3196	213	9	.	.	PUNCT
fsr-3196	213	10	correct	correct	ADJ
fsr-3196	213	11	)	)	PUNCT
fsr-3196	213	12	<	<	X
fsr-3196	213	13	25th	25th	ADJ
fsr-3196	213	14	percentile	percentile	ADJ
fsr-3196	213	15	5.99	5.99	NUM
fsr-3196	213	16	1.91	1.91	NUM
fsr-3196	213	17	25th	25th	NOUN
fsr-3196	213	18	to	to	ADP
fsr-3196	213	19	50th	50th	ADJ
fsr-3196	213	20	percentile	percentile	ADJ
fsr-3196	213	21	9.50	9.50	NUM
fsr-3196	213	22	0.50	0.50	NUM
fsr-3196	213	23	50th	50th	NOUN
fsr-3196	213	24	to	to	ADP
fsr-3196	213	25	75th	75th	ADJ
fsr-3196	213	26	percentile	percentile	ADJ
fsr-3196	213	27	11.48	11.48	NUM
fsr-3196	213	28	0.50	0.50	NUM
fsr-3196	213	29	>	>	PUNCT
fsr-3196	213	30	75th	75th	ADJ
fsr-3196	213	31	percentile	percentile	ADJ
fsr-3196	213	32	14.50	14.50	NUM
fsr-3196	213	33	1.60	1.60	NUM
fsr-3196	213	34	numeracy	numeracy	NOUN
fsr-3196	213	35	(	(	PUNCT
fsr-3196	213	36	no	no	INTJ
fsr-3196	213	37	.	.	PUNCT
fsr-3196	214	1	correct	correct	ADJ
fsr-3196	214	2	)	)	PUNCT
fsr-3196	214	3	1.24	1.24	NUM
fsr-3196	214	4	0.89	0.89	NUM
fsr-3196	214	5	numeracy	numeracy	NOUN
fsr-3196	214	6	quartiles	quartile	NOUN
fsr-3196	214	7	(	(	PUNCT
fsr-3196	214	8	#	#	NOUN
fsr-3196	214	9	correct	correct	ADJ
fsr-3196	214	10	)	)	PUNCT
fsr-3196	214	11	<	<	X
fsr-3196	214	12	25th	25th	ADJ
fsr-3196	214	13	percentile	percentile	ADJ
fsr-3196	214	14	0.00	0.00	NUM
fsr-3196	214	15	0.00	0.00	NUM
fsr-3196	214	16	25th	25th	NOUN
fsr-3196	214	17	to	to	ADP
fsr-3196	214	18	50th	50th	ADJ
fsr-3196	214	19	percentile	percentile	ADJ
fsr-3196	214	20	1.00	1.00	NUM
fsr-3196	214	21	0.00	0.00	NUM
fsr-3196	214	22	50th	50th	NOUN
fsr-3196	214	23	to	to	ADP
fsr-3196	214	24	75th	75th	ADJ
fsr-3196	214	25	percentile	percentile	ADJ
fsr-3196	214	26	2.00	2.00	NUM
fsr-3196	214	27	0.00	0.00	NUM
fsr-3196	214	28	>	>	PUNCT
fsr-3196	214	29	75th	75th	ADJ
fsr-3196	214	30	percentile	percentile	ADJ
fsr-3196	214	31	3.00	3.00	NUM
fsr-3196	214	32	0.00	0.00	NUM
fsr-3196	214	33	economic	economic	ADJ
fsr-3196	214	34	factors	factor	NOUN
fsr-3196	214	35	income	income	NOUN
fsr-3196	214	36	in	in	ADP
fsr-3196	214	37	2010	2010	NUM
fsr-3196	214	38	$	$	SYM
fsr-3196	214	39	68,057	68,057	NUM
fsr-3196	214	40	$	$	SYM
fsr-3196	214	41	84,585	84,585	NUM
fsr-3196	214	42	income	income	NOUN
fsr-3196	214	43	quartiles	quartile	NOUN
fsr-3196	214	44	(	(	PUNCT
fsr-3196	214	45	$	$	SYM
fsr-3196	214	46	)	)	PUNCT
fsr-3196	214	47	<	<	X
fsr-3196	214	48	25th	25th	NOUN
fsr-3196	214	49	percentile	percentile	ADJ
fsr-3196	214	50	$	$	SYM
fsr-3196	214	51	14,666	14,666	NUM
fsr-3196	214	52	$	$	SYM
fsr-3196	214	53	5,961	5,961	NUM
fsr-3196	214	54	25th	25th	NOUN
fsr-3196	214	55	to	to	ADP
fsr-3196	214	56	50th	50th	ADJ
fsr-3196	214	57	percentile	percentile	ADJ
fsr-3196	214	58	$	$	SYM
fsr-3196	214	59	33,672	33,672	NUM
fsr-3196	214	60	$	$	SYM
fsr-3196	214	61	5,804	5,804	NUM
fsr-3196	214	62	50th	50th	NOUN
fsr-3196	214	63	to	to	ADP
fsr-3196	214	64	75th	75th	ADJ
fsr-3196	214	65	percentile	percentile	ADJ
fsr-3196	214	66	$	$	SYM
fsr-3196	214	67	60,287	60,287	NUM
fsr-3196	214	68	$	$	SYM
fsr-3196	214	69	10,703	10,703	NUM
fsr-3196	214	70	>	>	SYM
fsr-3196	214	71	75th	75th	ADJ
fsr-3196	214	72	percentile	percentile	ADJ
fsr-3196	214	73	$	$	SYM
fsr-3196	214	74	163,600	163,600	NUM
fsr-3196	214	75	$	$	SYM
fsr-3196	214	76	123,344	123,344	NUM
fsr-3196	214	77	net	net	ADJ
fsr-3196	214	78	worth	worth	NOUN
fsr-3196	214	79	in	in	ADP
fsr-3196	214	80	2010	2010	NUM
fsr-3196	214	81	$	$	SYM
fsr-3196	214	82	480,293	480,293	NUM
fsr-3196	214	83	$	$	SYM
fsr-3196	214	84	1,002,237	1,002,237	NUM
fsr-3196	214	85	net	net	ADJ
fsr-3196	214	86	worth	worth	ADJ
fsr-3196	214	87	quartiles	quartile	NOUN
fsr-3196	214	88	(	(	PUNCT
fsr-3196	214	89	$	$	SYM
fsr-3196	214	90	)	)	PUNCT
fsr-3196	214	91	<	<	X
fsr-3196	214	92	25th	25th	NOUN
fsr-3196	214	93	percentile	percentile	ADJ
fsr-3196	214	94	$	$	SYM
fsr-3196	214	95	11,517	11,517	NUM
fsr-3196	214	96	$	$	SYM
fsr-3196	214	97	48,998	48,998	NUM
fsr-3196	214	98	25th	25th	NOUN
fsr-3196	214	99	to	to	ADP
fsr-3196	214	100	50th	50th	ADJ
fsr-3196	214	101	percentile	percentile	ADJ
fsr-3196	214	102	$	$	SYM
fsr-3196	214	103	128,233	128,233	NUM
fsr-3196	214	104	$	$	SYM
fsr-3196	214	105	41,899	41,899	NUM
fsr-3196	214	106	50th	50th	ADJ
fsr-3196	214	107	to	to	ADP
fsr-3196	214	108	75th	75th	ADJ
fsr-3196	214	109	percentile	percentile	ADJ
fsr-3196	214	110	$	$	SYM
fsr-3196	214	111	340,062	340,062	NUM
fsr-3196	214	112	$	$	SYM
fsr-3196	214	113	91,184	91,184	NUM
fsr-3196	214	114	>	>	PUNCT
fsr-3196	214	115	75th	75th	ADJ
fsr-3196	214	116	percentile	percentile	ADJ
fsr-3196	214	117	$	$	SYM
fsr-3196	214	118	1,442,672	1,442,672	NUM
fsr-3196	214	119	$	$	SYM
fsr-3196	214	120	1,649,010	1,649,010	NUM
fsr-3196	214	121	log	log	NOUN
fsr-3196	214	122	total	total	ADJ
fsr-3196	214	123	debt	debt	NOUN
fsr-3196	214	124	5.27	5.27	NUM
fsr-3196	214	125	5.28	5.28	NUM
fsr-3196	214	126	financial	financial	ADJ
fsr-3196	214	127	knowledge	knowledge	NOUN
fsr-3196	214	128	financial	financial	ADJ
fsr-3196	214	129	respondent	respondent	NOUN
fsr-3196	214	130	0.70	0.70	NUM
fsr-3196	214	131	0.46	0.46	NUM
fsr-3196	214	132	bequest	bequest	NOUN
fsr-3196	214	133	factors	factor	NOUN
fsr-3196	214	134	married	marry	VERB
fsr-3196	214	135	in	in	ADP
fsr-3196	214	136	current	current	ADJ
fsr-3196	214	137	wave	wave	NOUN
fsr-3196	214	138	0.63	0.63	NUM
fsr-3196	214	139	0.48	0.48	NUM
fsr-3196	214	140	has	have	AUX
fsr-3196	214	141	living	live	VERB
fsr-3196	214	142	children	child	NOUN
fsr-3196	214	143	0.93	0.93	NUM
fsr-3196	214	144	0.26	0.26	NUM
fsr-3196	214	145	demographic	demographic	ADJ
fsr-3196	214	146	factors	factor	NOUN
fsr-3196	214	147	age	age	NOUN
fsr-3196	214	148	in	in	ADP
fsr-3196	214	149	2010	2010	NUM
fsr-3196	214	150	69.56	69.56	NUM
fsr-3196	214	151	9.76	9.76	NUM
fsr-3196	214	152	less	less	ADJ
fsr-3196	214	153	than	than	ADP
fsr-3196	214	154	60	60	NUM
fsr-3196	214	155	0.17	0.17	NUM
fsr-3196	214	156	0.37	0.37	NUM
fsr-3196	214	157	60	60	NUM
fsr-3196	214	158	to	to	ADP
fsr-3196	214	159	64	64	NUM
fsr-3196	214	160	0.17	0.17	NUM
fsr-3196	214	161	0.38	0.38	NUM
fsr-3196	214	162	65	65	NUM
fsr-3196	214	163	to	to	PART
fsr-3196	214	164	69	69	NUM
fsr-3196	214	165	0.15	0.15	NUM
fsr-3196	214	166	0.36	0.36	NUM
fsr-3196	214	167	70	70	NUM
fsr-3196	214	168	to	to	ADP
fsr-3196	214	169	74	74	NUM
fsr-3196	214	170	0.20	0.20	NUM
fsr-3196	214	171	0.40	0.40	NUM
fsr-3196	214	172	75	75	NUM
fsr-3196	214	173	to	to	PART
fsr-3196	214	174	79	79	NUM
fsr-3196	214	175	0.15	0.15	NUM
fsr-3196	214	176	0.36	0.36	NUM
fsr-3196	214	177	80	80	NUM
fsr-3196	214	178	and	and	CCONJ
fsr-3196	214	179	higher	high	ADJ
fsr-3196	214	180	0.16	0.16	NUM
fsr-3196	214	181	0.37	0.37	NUM
fsr-3196	214	182	(	(	PUNCT
fsr-3196	214	183	continued	continue	VERB
fsr-3196	214	184	on	on	ADP
fsr-3196	214	185	next	next	ADJ
fsr-3196	214	186	page	page	NOUN
fsr-3196	214	187	)	)	PUNCT
fsr-3196	214	188	82	82	NUM
fsr-3196	214	189	b.	b.	PROPN
fsr-3196	214	190	s.	s.	PROPN
fsr-3196	214	191	mulholland	mulholland	PROPN
fsr-3196	214	192	and	and	CCONJ
fsr-3196	214	193	m.	m.	PROPN
fsr-3196	214	194	s.	s.	PROPN
fsr-3196	214	195	finke	finke	PROPN
fsr-3196	214	196	/	/	SYM
fsr-3196	214	197	financial	financial	ADJ
fsr-3196	214	198	services	service	NOUN
fsr-3196	214	199	review	review	VERB
fsr-3196	214	200	31	31	NUM
fsr-3196	214	201	(	(	PUNCT
fsr-3196	214	202	2023	2023	NUM
fsr-3196	214	203	)	)	PUNCT
fsr-3196	215	1	73–96	73–96	NUM
fsr-3196	215	2	the	the	DET
fsr-3196	215	3	sample	sample	NOUN
fsr-3196	215	4	averaged	average	VERB
fsr-3196	215	5	slightly	slightly	ADV
fsr-3196	215	6	fewer	few	ADJ
fsr-3196	215	7	than	than	ADP
fsr-3196	215	8	10	10	NUM
fsr-3196	215	9	total	total	ADJ
fsr-3196	215	10	words	word	NOUN
fsr-3196	215	11	recalled	recall	VERB
fsr-3196	215	12	and	and	CCONJ
fsr-3196	215	13	approximately	approximately	ADV
fsr-3196	215	14	1.24	1.24	NUM
fsr-3196	215	15	numeracy	numeracy	NOUN
fsr-3196	215	16	questions	question	NOUN
fsr-3196	215	17	answered	answer	VERB
fsr-3196	215	18	correctly	correctly	ADV
fsr-3196	215	19	.	.	PUNCT
fsr-3196	216	1	both	both	DET
fsr-3196	216	2	numbers	number	NOUN
fsr-3196	216	3	are	be	AUX
fsr-3196	216	4	very	very	ADV
fsr-3196	216	5	similar	similar	ADJ
fsr-3196	216	6	to	to	ADP
fsr-3196	216	7	results	result	NOUN
fsr-3196	216	8	from	from	ADP
fsr-3196	216	9	the	the	DET
fsr-3196	216	10	analyses	analysis	NOUN
fsr-3196	216	11	by	by	ADP
fsr-3196	216	12	mcardle	mcardle	PROPN
fsr-3196	216	13	et	et	PROPN
fsr-3196	216	14	al	al	PROPN
fsr-3196	216	15	.	.	PROPN
fsr-3196	217	1	(	(	PUNCT
fsr-3196	217	2	2011	2011	NUM
fsr-3196	217	3	)	)	PUNCT
fsr-3196	217	4	and	and	CCONJ
fsr-3196	217	5	smith	smith	PROPN
fsr-3196	217	6	et	et	PROPN
fsr-3196	217	7	al	al	PROPN
fsr-3196	217	8	.	.	PROPN
fsr-3196	218	1	(	(	PUNCT
fsr-3196	218	2	2010	2010	NUM
fsr-3196	218	3	)	)	PUNCT
fsr-3196	218	4	.	.	PUNCT
fsr-3196	219	1	means	mean	NOUN
fsr-3196	219	2	and	and	CCONJ
fsr-3196	219	3	standard	standard	ADJ
fsr-3196	219	4	deviations	deviation	NOUN
fsr-3196	219	5	for	for	ADP
fsr-3196	219	6	both	both	DET
fsr-3196	219	7	income	income	NOUN
fsr-3196	219	8	and	and	CCONJ
fsr-3196	219	9	wealth	wealth	NOUN
fsr-3196	219	10	are	be	AUX
fsr-3196	219	11	reported	report	VERB
fsr-3196	219	12	for	for	ADP
fsr-3196	219	13	the	the	DET
fsr-3196	219	14	entire	entire	ADJ
fsr-3196	219	15	sample	sample	NOUN
fsr-3196	219	16	as	as	ADV
fsr-3196	219	17	well	well	ADV
fsr-3196	219	18	as	as	ADP
fsr-3196	219	19	the	the	DET
fsr-3196	219	20	quartiles	quartile	NOUN
fsr-3196	219	21	for	for	ADP
fsr-3196	219	22	both	both	DET
fsr-3196	219	23	variables	variable	NOUN
fsr-3196	219	24	.	.	PUNCT
fsr-3196	220	1	we	we	PRON
fsr-3196	220	2	observe	observe	VERB
fsr-3196	220	3	apparent	apparent	ADJ
fsr-3196	220	4	non	non	ADJ
fsr-3196	220	5	-	-	ADJ
fsr-3196	220	6	linearity	linearity	NOUN
fsr-3196	220	7	of	of	ADP
fsr-3196	220	8	the	the	DET
fsr-3196	220	9	increase	increase	NOUN
fsr-3196	220	10	in	in	ADP
fsr-3196	220	11	means	mean	NOUN
fsr-3196	220	12	across	across	ADP
fsr-3196	220	13	quartiles	quartile	NOUN
fsr-3196	220	14	in	in	ADP
fsr-3196	220	15	both	both	DET
fsr-3196	220	16	measures	measure	NOUN
fsr-3196	220	17	.	.	PUNCT
fsr-3196	221	1	approximately	approximately	ADV
fsr-3196	221	2	70	70	NUM
fsr-3196	221	3	%	%	NOUN
fsr-3196	221	4	of	of	ADP
fsr-3196	221	5	our	our	PRON
fsr-3196	221	6	sample	sample	NOUN
fsr-3196	221	7	appears	appear	VERB
fsr-3196	221	8	to	to	PART
fsr-3196	221	9	have	have	VERB
fsr-3196	221	10	financial	financial	ADJ
fsr-3196	221	11	knowledge	knowledge	NOUN
fsr-3196	221	12	since	since	SCONJ
fsr-3196	221	13	they	they	PRON
fsr-3196	221	14	are	be	AUX
fsr-3196	221	15	identified	identify	VERB
fsr-3196	221	16	as	as	ADP
fsr-3196	221	17	the	the	DET
fsr-3196	221	18	financial	financial	ADJ
fsr-3196	221	19	respondent	respondent	NOUN
fsr-3196	221	20	for	for	ADP
fsr-3196	221	21	the	the	DET
fsr-3196	221	22	households	household	NOUN
fsr-3196	221	23	they	they	PRON
fsr-3196	221	24	represent	represent	VERB
fsr-3196	221	25	.	.	PUNCT
fsr-3196	222	1	over	over	ADP
fsr-3196	222	2	60	60	NUM
fsr-3196	222	3	%	%	NOUN
fsr-3196	222	4	of	of	ADP
fsr-3196	222	5	the	the	DET
fsr-3196	222	6	respondents	respondent	NOUN
fsr-3196	222	7	are	be	AUX
fsr-3196	222	8	married	married	ADJ
fsr-3196	222	9	while	while	SCONJ
fsr-3196	222	10	over	over	ADP
fsr-3196	222	11	90	90	NUM
fsr-3196	222	12	%	%	NOUN
fsr-3196	222	13	have	have	VERB
fsr-3196	222	14	living	live	VERB
fsr-3196	222	15	children	child	NOUN
fsr-3196	222	16	.	.	PUNCT
fsr-3196	223	1	demographically	demographically	ADV
fsr-3196	223	2	,	,	PUNCT
fsr-3196	223	3	our	our	PRON
fsr-3196	223	4	sample	sample	NOUN
fsr-3196	223	5	is	be	AUX
fsr-3196	223	6	on	on	ADP
fsr-3196	223	7	average	average	ADJ
fsr-3196	223	8	nearly	nearly	ADV
fsr-3196	223	9	70	70	NUM
fsr-3196	223	10	years	year	NOUN
fsr-3196	223	11	old	old	ADJ
fsr-3196	223	12	,	,	PUNCT
fsr-3196	223	13	contains	contain	VERB
fsr-3196	223	14	a	a	DET
fsr-3196	223	15	majority	majority	NOUN
fsr-3196	223	16	of	of	ADP
fsr-3196	223	17	females	female	NOUN
fsr-3196	223	18	,	,	PUNCT
fsr-3196	223	19	racially	racially	ADV
fsr-3196	223	20	is	be	AUX
fsr-3196	223	21	predominantly	predominantly	ADV
fsr-3196	223	22	white	white	ADJ
fsr-3196	223	23	,	,	PUNCT
fsr-3196	223	24	has	have	VERB
fsr-3196	223	25	nearly	nearly	ADV
fsr-3196	223	26	half	half	NOUN
fsr-3196	223	27	of	of	ADP
fsr-3196	223	28	its	its	PRON
fsr-3196	223	29	respondents	respondent	NOUN
fsr-3196	223	30	with	with	ADP
fsr-3196	223	31	education	education	NOUN
fsr-3196	223	32	beyond	beyond	ADP
fsr-3196	223	33	high	high	ADJ
fsr-3196	223	34	school	school	NOUN
fsr-3196	223	35	,	,	PUNCT
fsr-3196	223	36	and	and	CCONJ
fsr-3196	223	37	indicates	indicate	VERB
fsr-3196	223	38	that	that	SCONJ
fsr-3196	223	39	that	that	SCONJ
fsr-3196	223	40	a	a	DET
fsr-3196	223	41	little	little	ADJ
fsr-3196	223	42	over	over	ADP
fsr-3196	223	43	half	half	NOUN
fsr-3196	223	44	have	have	VERB
fsr-3196	223	45	fewer	few	ADJ
fsr-3196	223	46	than	than	ADP
fsr-3196	223	47	three	three	NUM
fsr-3196	223	48	of	of	ADP
fsr-3196	223	49	the	the	DET
fsr-3196	223	50	eight	eight	NUM
fsr-3196	223	51	identified	identify	VERB
fsr-3196	223	52	health	health	NOUN
fsr-3196	223	53	problems	problem	NOUN
fsr-3196	223	54	.	.	PUNCT
fsr-3196	224	1	while	while	SCONJ
fsr-3196	224	2	our	our	PRON
fsr-3196	224	3	statistical	statistical	ADJ
fsr-3196	224	4	summary	summary	NOUN
fsr-3196	224	5	suggests	suggest	VERB
fsr-3196	224	6	a	a	DET
fsr-3196	224	7	positive	positive	ADJ
fsr-3196	224	8	level	level	NOUN
fsr-3196	224	9	of	of	ADP
fsr-3196	224	10	total	total	ADJ
fsr-3196	224	11	household	household	NOUN
fsr-3196	224	12	debt	debt	NOUN
fsr-3196	224	13	for	for	ADP
fsr-3196	224	14	our	our	PRON
fsr-3196	224	15	sample	sample	NOUN
fsr-3196	224	16	,	,	PUNCT
fsr-3196	224	17	in	in	ADP
fsr-3196	224	18	an	an	DET
fsr-3196	224	19	unreported	unreported	ADJ
fsr-3196	224	20	analysis	analysis	NOUN
fsr-3196	224	21	,	,	PUNCT
fsr-3196	224	22	we	we	PRON
fsr-3196	224	23	find	find	VERB
fsr-3196	224	24	that	that	SCONJ
fsr-3196	224	25	48.3	48.3	NUM
fsr-3196	224	26	%	%	NOUN
fsr-3196	224	27	of	of	ADP
fsr-3196	224	28	the	the	DET
fsr-3196	224	29	sample	sample	NOUN
fsr-3196	224	30	had	have	VERB
fsr-3196	224	31	no	no	DET
fsr-3196	224	32	household	household	NOUN
fsr-3196	224	33	debt	debt	NOUN
fsr-3196	224	34	.	.	PUNCT
fsr-3196	225	1	table	table	NOUN
fsr-3196	225	2	2	2	NUM
fsr-3196	225	3	(	(	PUNCT
fsr-3196	225	4	continued	continued	ADJ
fsr-3196	225	5	)	)	PUNCT
fsr-3196	225	6	wave	wave	NOUN
fsr-3196	225	7	10–2010	10–2010	PROPN
fsr-3196	225	8	n	n	NOUN
fsr-3196	225	9	=	=	SYM
fsr-3196	225	10	8,795	8,795	NUM
fsr-3196	225	11	384	384	NUM
fsr-3196	225	12	respondents	respondent	NOUN
fsr-3196	225	13	reported	report	VERB
fsr-3196	225	14	lapse	lapse	NOUN
fsr-3196	225	15	mean	mean	NOUN
fsr-3196	225	16	sd	sd	ADP
fsr-3196	225	17	insurance	insurance	NOUN
fsr-3196	225	18	ownership	ownership	NOUN
fsr-3196	225	19	variables	variable	NOUN
fsr-3196	225	20	male	male	ADJ
fsr-3196	225	21	0.44	0.44	NUM
fsr-3196	225	22	0.50	0.50	NUM
fsr-3196	225	23	race	race	NOUN
fsr-3196	225	24	white	white	ADJ
fsr-3196	225	25	0.82	0.82	NUM
fsr-3196	225	26	0.39	0.39	NUM
fsr-3196	225	27	black	black	ADJ
fsr-3196	225	28	0.16	0.16	NUM
fsr-3196	225	29	0.37	0.37	NUM
fsr-3196	225	30	other	other	ADJ
fsr-3196	225	31	0.02	0.02	NUM
fsr-3196	225	32	0.15	0.15	NUM
fsr-3196	225	33	education	education	NOUN
fsr-3196	225	34	less	less	ADJ
fsr-3196	225	35	than	than	ADP
fsr-3196	225	36	high	high	ADJ
fsr-3196	225	37	school	school	NOUN
fsr-3196	225	38	degree	degree	NOUN
fsr-3196	225	39	0.15	0.15	NUM
fsr-3196	225	40	0.36	0.36	NUM
fsr-3196	225	41	high	high	ADJ
fsr-3196	225	42	school	school	NOUN
fsr-3196	225	43	0.37	0.37	NUM
fsr-3196	225	44	0.48	0.48	NUM
fsr-3196	225	45	some	some	DET
fsr-3196	225	46	college	college	NOUN
fsr-3196	225	47	0.24	0.24	NUM
fsr-3196	225	48	0.43	0.43	NUM
fsr-3196	225	49	college	college	NOUN
fsr-3196	225	50	0.24	0.24	NUM
fsr-3196	225	51	0.43	0.43	NUM
fsr-3196	225	52	health	health	NOUN
fsr-3196	225	53	problems	problem	NOUN
fsr-3196	225	54	zero	zero	NUM
fsr-3196	225	55	problems	problem	NOUN
fsr-3196	225	56	0.10	0.10	NUM
fsr-3196	225	57	0.30	0.30	NUM
fsr-3196	225	58	one	one	NUM
fsr-3196	225	59	problem	problem	NOUN
fsr-3196	225	60	0.21	0.21	NUM
fsr-3196	225	61	0.41	0.41	NUM
fsr-3196	225	62	two	two	NUM
fsr-3196	225	63	problems	problem	NOUN
fsr-3196	225	64	0.26	0.26	NUM
fsr-3196	225	65	0.44	0.44	NUM
fsr-3196	225	66	three	three	NUM
fsr-3196	225	67	problems	problem	NOUN
fsr-3196	225	68	0.23	0.23	NUM
fsr-3196	225	69	0.42	0.42	NUM
fsr-3196	225	70	four	four	NUM
fsr-3196	225	71	or	or	CCONJ
fsr-3196	225	72	more	more	ADJ
fsr-3196	225	73	problems	problem	NOUN
fsr-3196	225	74	0.20	0.20	NUM
fsr-3196	225	75	0.40	0.40	NUM
fsr-3196	225	76	estate	estate	NOUN
fsr-3196	225	77	tax	tax	NOUN
fsr-3196	225	78	vulnerable	vulnerable	ADJ
fsr-3196	225	79	net	net	ADJ
fsr-3196	225	80	worth	worth	NOUN
fsr-3196	225	81	over	over	ADP
fsr-3196	225	82	current	current	ADJ
fsr-3196	225	83	exemptiona	exemptiona	NOUN
fsr-3196	225	84	0.01	0.01	NUM
fsr-3196	225	85	0.09	0.09	NUM
fsr-3196	225	86	shocks	shock	NOUN
fsr-3196	225	87	or	or	CCONJ
fsr-3196	225	88	major	major	ADJ
fsr-3196	225	89	changes	change	NOUN
fsr-3196	225	90	newly	newly	ADV
fsr-3196	225	91	retired	retire	VERB
fsr-3196	225	92	since	since	SCONJ
fsr-3196	225	93	2008	2008	NUM
fsr-3196	225	94	0.12	0.12	NUM
fsr-3196	225	95	0.32	0.32	NUM
fsr-3196	225	96	income	income	NOUN
fsr-3196	225	97	shock	shock	NOUN
fsr-3196	225	98	(	(	PUNCT
fsr-3196	225	99	decline	decline	NOUN
fsr-3196	225	100	)	)	PUNCT
fsr-3196	225	101	of	of	ADP
fsr-3196	225	102	>	>	X
fsr-3196	225	103	10	10	NUM
fsr-3196	225	104	%	%	NOUN
fsr-3196	225	105	compared	compare	VERB
fsr-3196	225	106	with	with	ADP
fsr-3196	225	107	2008	2008	NUM
fsr-3196	225	108	0.40	0.40	NUM
fsr-3196	225	109	0.49	0.49	NUM
fsr-3196	225	110	additional	additional	ADJ
fsr-3196	225	111	kids	kid	NOUN
fsr-3196	225	112	residing	reside	VERB
fsr-3196	225	113	at	at	ADP
fsr-3196	225	114	home	home	NOUN
fsr-3196	225	115	since	since	SCONJ
fsr-3196	225	116	2008	2008	NUM
fsr-3196	225	117	0.05	0.05	NUM
fsr-3196	225	118	0.22	0.22	NUM
fsr-3196	225	119	marriage	marriage	NOUN
fsr-3196	225	120	ended	end	VERB
fsr-3196	225	121	since	since	SCONJ
fsr-3196	225	122	last	last	ADJ
fsr-3196	225	123	wave	wave	NOUN
fsr-3196	225	124	0.04	0.04	NUM
fsr-3196	225	125	0.20	0.20	NUM
fsr-3196	225	126	health	health	NOUN
fsr-3196	225	127	shock	shock	NOUN
fsr-3196	225	128	(	(	PUNCT
fsr-3196	225	129	2	2	NUM
fsr-3196	225	130	+	+	CCONJ
fsr-3196	225	131	additional	additional	ADJ
fsr-3196	225	132	health	health	NOUN
fsr-3196	225	133	issues	issue	NOUN
fsr-3196	225	134	)	)	PUNCT
fsr-3196	225	135	since	since	SCONJ
fsr-3196	225	136	last	last	ADJ
fsr-3196	225	137	wave	wave	NOUN
fsr-3196	225	138	0.03	0.03	NUM
fsr-3196	225	139	0.17	0.17	NUM
fsr-3196	225	140	note	note	NOUN
fsr-3196	225	141	.	.	PUNCT
fsr-3196	226	1	a2010	a2010	ADJ
fsr-3196	226	2	exemption	exemption	NOUN
fsr-3196	226	3	was	be	AUX
fsr-3196	226	4	$	$	SYM
fsr-3196	226	5	0	0	NUM
fsr-3196	226	6	but	but	CCONJ
fsr-3196	226	7	was	be	AUX
fsr-3196	226	8	retroactively	retroactively	ADV
fsr-3196	226	9	changed	change	VERB
fsr-3196	226	10	to	to	PART
fsr-3196	226	11	allow	allow	VERB
fsr-3196	226	12	an	an	DET
fsr-3196	226	13	election	election	NOUN
fsr-3196	226	14	of	of	ADP
fsr-3196	226	15	$	$	SYM
fsr-3196	226	16	5,000,000	5,000,000	NUM
fsr-3196	226	17	.	.	PUNCT
fsr-3196	227	1	this	this	DET
fsr-3196	227	2	variable	variable	NOUN
fsr-3196	227	3	set	set	VERB
fsr-3196	227	4	at	at	ADP
fsr-3196	227	5	$	$	SYM
fsr-3196	227	6	5,000,000	5,000,000	NUM
fsr-3196	227	7	.	.	PUNCT
fsr-3196	228	1	b.	b.	PROPN
fsr-3196	228	2	s.	s.	PROPN
fsr-3196	228	3	mulholland	mulholland	PROPN
fsr-3196	228	4	and	and	CCONJ
fsr-3196	228	5	m.	m.	PROPN
fsr-3196	228	6	s.	s.	PROPN
fsr-3196	228	7	finke	finke	PROPN
fsr-3196	228	8	/	/	SYM
fsr-3196	228	9	financial	financial	ADJ
fsr-3196	228	10	services	service	NOUN
fsr-3196	228	11	review	review	VERB
fsr-3196	228	12	31	31	NUM
fsr-3196	228	13	(	(	PUNCT
fsr-3196	228	14	2023	2023	NUM
fsr-3196	228	15	)	)	PUNCT
fsr-3196	229	1	73–96	73–96	NUM
fsr-3196	229	2	83	83	NUM
fsr-3196	229	3	in	in	ADP
fsr-3196	229	4	our	our	PRON
fsr-3196	229	5	final	final	ADJ
fsr-3196	229	6	control	control	NOUN
fsr-3196	229	7	variable	variable	NOUN
fsr-3196	229	8	,	,	PUNCT
fsr-3196	229	9	we	we	PRON
fsr-3196	229	10	see	see	VERB
fsr-3196	229	11	that	that	SCONJ
fsr-3196	229	12	only	only	ADV
fsr-3196	229	13	about	about	ADV
fsr-3196	229	14	one	one	NUM
fsr-3196	229	15	percent	percent	NOUN
fsr-3196	229	16	of	of	ADP
fsr-3196	229	17	the	the	DET
fsr-3196	229	18	sample	sample	NOUN
fsr-3196	229	19	was	be	AUX
fsr-3196	229	20	vulnerable	vulnerable	ADJ
fsr-3196	229	21	to	to	ADP
fsr-3196	229	22	u.s	u.s	PROPN
fsr-3196	229	23	.	.	PROPN
fsr-3196	229	24	estate	estate	NOUN
fsr-3196	229	25	taxes	taxis	NOUN
fsr-3196	229	26	due	due	ADJ
fsr-3196	229	27	to	to	ADP
fsr-3196	229	28	household	household	NOUN
fsr-3196	229	29	net	net	ADJ
fsr-3196	229	30	worth	worth	NOUN
fsr-3196	229	31	in	in	ADP
fsr-3196	229	32	excess	excess	NOUN
fsr-3196	229	33	of	of	ADP
fsr-3196	229	34	$	$	SYM
fsr-3196	229	35	5	5	NUM
fsr-3196	229	36	million	million	NUM
fsr-3196	229	37	,	,	PUNCT
fsr-3196	229	38	the	the	DET
fsr-3196	229	39	2010	2010	NUM
fsr-3196	229	40	estate	estate	NOUN
fsr-3196	229	41	tax	tax	NOUN
fsr-3196	229	42	exemption	exemption	NOUN
fsr-3196	229	43	amount	amount	NOUN
fsr-3196	229	44	.	.	PUNCT
fsr-3196	230	1	we	we	PRON
fsr-3196	230	2	note	note	VERB
fsr-3196	230	3	that	that	SCONJ
fsr-3196	230	4	the	the	DET
fsr-3196	230	5	u.s	u.s	PROPN
fsr-3196	230	6	.	.	PROPN
fsr-3196	230	7	estate	estate	NOUN
fsr-3196	230	8	taxes	taxis	NOUN
fsr-3196	230	9	were	be	AUX
fsr-3196	230	10	in	in	ADP
fsr-3196	230	11	legislative	legislative	ADJ
fsr-3196	230	12	flux	flux	NOUN
fsr-3196	230	13	that	that	DET
fsr-3196	230	14	year	year	NOUN
fsr-3196	230	15	due	due	ADP
fsr-3196	230	16	to	to	ADP
fsr-3196	230	17	the	the	DET
fsr-3196	230	18	elimination	elimination	NOUN
fsr-3196	230	19	in	in	ADP
fsr-3196	230	20	2010	2010	NUM
fsr-3196	230	21	of	of	ADP
fsr-3196	230	22	estate	estate	NOUN
fsr-3196	230	23	taxes	taxis	NOUN
fsr-3196	230	24	as	as	ADP
fsr-3196	230	25	a	a	DET
fsr-3196	230	26	result	result	NOUN
fsr-3196	230	27	of	of	ADP
fsr-3196	230	28	the	the	DET
fsr-3196	230	29	economic	economic	ADJ
fsr-3196	230	30	growth	growth	NOUN
fsr-3196	230	31	and	and	CCONJ
fsr-3196	230	32	tax	tax	NOUN
fsr-3196	230	33	relief	relief	NOUN
fsr-3196	230	34	reconciliation	reconciliation	NOUN
fsr-3196	230	35	act	act	NOUN
fsr-3196	230	36	of	of	ADP
fsr-3196	230	37	2001	2001	NUM
fsr-3196	230	38	(	(	PUNCT
fsr-3196	230	39	egtrra-2001	egtrra-2001	ADJ
fsr-3196	230	40	)	)	PUNCT
fsr-3196	230	41	.	.	PUNCT
fsr-3196	231	1	the	the	DET
fsr-3196	231	2	taxpayer	taxpayer	NOUN
fsr-3196	231	3	relief	relief	PROPN
fsr-3196	231	4	act	act	NOUN
fsr-3196	231	5	of	of	ADP
fsr-3196	231	6	2010	2010	NUM
fsr-3196	231	7	(	(	PUNCT
fsr-3196	231	8	tra-2010	tra-2010	NOUN
fsr-3196	231	9	)	)	PUNCT
fsr-3196	231	10	reinstated	reinstate	VERB
fsr-3196	231	11	the	the	DET
fsr-3196	231	12	estate	estate	NOUN
fsr-3196	231	13	,	,	PUNCT
fsr-3196	231	14	gift	gift	NOUN
fsr-3196	231	15	,	,	PUNCT
fsr-3196	231	16	and	and	CCONJ
fsr-3196	231	17	generation	generation	NOUN
fsr-3196	231	18	-	-	PUNCT
fsr-3196	231	19	skipping	skip	VERB
fsr-3196	231	20	transfer	transfer	NOUN
fsr-3196	231	21	taxes	taxis	NOUN
fsr-3196	231	22	with	with	ADP
fsr-3196	231	23	different	different	ADJ
fsr-3196	231	24	exclusion	exclusion	NOUN
fsr-3196	231	25	amounts	amount	NOUN
fsr-3196	231	26	and	and	CCONJ
fsr-3196	231	27	top	top	ADJ
fsr-3196	231	28	tax	tax	NOUN
fsr-3196	231	29	rates	rate	NOUN
fsr-3196	231	30	for	for	ADP
fsr-3196	231	31	taxable	taxable	ADJ
fsr-3196	231	32	estates	estate	NOUN
fsr-3196	231	33	.	.	PUNCT
fsr-3196	232	1	tra-2010	tra-2010	NOUN
fsr-3196	232	2	also	also	ADV
fsr-3196	232	3	presented	present	VERB
fsr-3196	232	4	a	a	DET
fsr-3196	232	5	choice	choice	NOUN
fsr-3196	232	6	to	to	ADP
fsr-3196	232	7	the	the	DET
fsr-3196	232	8	estates	estate	NOUN
fsr-3196	232	9	of	of	ADP
fsr-3196	232	10	those	those	PRON
fsr-3196	232	11	who	who	PRON
fsr-3196	232	12	died	die	VERB
fsr-3196	232	13	in	in	ADP
fsr-3196	232	14	2010	2010	NUM
fsr-3196	232	15	on	on	ADP
fsr-3196	232	16	how	how	SCONJ
fsr-3196	232	17	they	they	PRON
fsr-3196	232	18	wanted	want	VERB
fsr-3196	232	19	to	to	PART
fsr-3196	232	20	be	be	AUX
fsr-3196	232	21	taxed	tax	VERB
fsr-3196	232	22	.	.	PUNCT
fsr-3196	233	1	they	they	PRON
fsr-3196	233	2	could	could	AUX
fsr-3196	233	3	either	either	CCONJ
fsr-3196	233	4	avoid	avoid	VERB
fsr-3196	233	5	any	any	DET
fsr-3196	233	6	estate	estate	NOUN
fsr-3196	233	7	taxes	taxis	NOUN
fsr-3196	233	8	while	while	SCONJ
fsr-3196	233	9	accepting	accept	VERB
fsr-3196	233	10	the	the	DET
fsr-3196	233	11	loss	loss	NOUN
fsr-3196	233	12	of	of	ADP
fsr-3196	233	13	the	the	DET
fsr-3196	233	14	stepped	step	VERB
fsr-3196	233	15	-	-	PUNCT
fsr-3196	233	16	up	up	ADP
fsr-3196	233	17	basis	basis	NOUN
fsr-3196	233	18	for	for	ADP
fsr-3196	233	19	assets	asset	NOUN
fsr-3196	233	20	;	;	PUNCT
fsr-3196	233	21	thus	thus	ADV
fsr-3196	233	22	,	,	PUNCT
fsr-3196	233	23	making	make	VERB
fsr-3196	233	24	the	the	DET
fsr-3196	233	25	assets	asset	NOUN
fsr-3196	233	26	susceptible	susceptible	ADJ
fsr-3196	233	27	to	to	ADP
fsr-3196	233	28	capital	capital	NOUN
fsr-3196	233	29	gains	gain	NOUN
fsr-3196	233	30	taxes	taxis	NOUN
fsr-3196	233	31	,	,	PUNCT
fsr-3196	233	32	or	or	CCONJ
fsr-3196	233	33	accept	accept	VERB
fsr-3196	233	34	the	the	DET
fsr-3196	233	35	new	new	ADJ
fsr-3196	233	36	transfer	transfer	NOUN
fsr-3196	233	37	tax	tax	NOUN
fsr-3196	233	38	laws	law	NOUN
fsr-3196	233	39	implemented	implement	VERB
fsr-3196	233	40	by	by	ADP
fsr-3196	233	41	the	the	DET
fsr-3196	233	42	tra-2010	tra-2010	NOUN
fsr-3196	233	43	that	that	PRON
fsr-3196	233	44	allowed	allow	VERB
fsr-3196	233	45	estates	estate	NOUN
fsr-3196	233	46	to	to	PART
fsr-3196	233	47	retain	retain	VERB
fsr-3196	233	48	the	the	DET
fsr-3196	233	49	stepped	step	VERB
fsr-3196	233	50	-	-	PUNCT
fsr-3196	233	51	up	up	ADP
fsr-3196	233	52	basis	basis	NOUN
fsr-3196	233	53	along	along	ADP
fsr-3196	233	54	with	with	ADP
fsr-3196	233	55	a	a	DET
fsr-3196	233	56	$	$	SYM
fsr-3196	233	57	5	5	NUM
fsr-3196	233	58	million	million	NUM
fsr-3196	233	59	estate	estate	NOUN
fsr-3196	233	60	tax	tax	NOUN
fsr-3196	233	61	exemption	exemption	NOUN
fsr-3196	233	62	.	.	PUNCT
fsr-3196	234	1	looking	look	VERB
fsr-3196	234	2	finally	finally	ADV
fsr-3196	234	3	to	to	ADP
fsr-3196	234	4	the	the	DET
fsr-3196	234	5	shock	shock	NOUN
fsr-3196	234	6	and	and	CCONJ
fsr-3196	234	7	major	major	ADJ
fsr-3196	234	8	change	change	NOUN
fsr-3196	234	9	variables	variable	NOUN
fsr-3196	234	10	we	we	PRON
fsr-3196	234	11	include	include	VERB
fsr-3196	234	12	in	in	ADP
fsr-3196	234	13	our	our	PRON
fsr-3196	234	14	analysis	analysis	NOUN
fsr-3196	234	15	,	,	PUNCT
fsr-3196	234	16	we	we	PRON
fsr-3196	234	17	see	see	VERB
fsr-3196	234	18	that	that	SCONJ
fsr-3196	234	19	about	about	ADV
fsr-3196	234	20	12	12	NUM
fsr-3196	234	21	%	%	NOUN
fsr-3196	234	22	of	of	ADP
fsr-3196	234	23	the	the	DET
fsr-3196	234	24	sample	sample	NOUN
fsr-3196	234	25	retired	retire	VERB
fsr-3196	234	26	between	between	ADP
fsr-3196	234	27	their	their	PRON
fsr-3196	234	28	survey	survey	NOUN
fsr-3196	234	29	interviews	interview	NOUN
fsr-3196	234	30	in	in	ADP
fsr-3196	234	31	2008	2008	NUM
fsr-3196	234	32	and	and	CCONJ
fsr-3196	234	33	2010	2010	NUM
fsr-3196	234	34	.	.	PUNCT
fsr-3196	235	1	approximately	approximately	ADV
fsr-3196	235	2	40	40	NUM
fsr-3196	235	3	%	%	NOUN
fsr-3196	235	4	of	of	ADP
fsr-3196	235	5	the	the	DET
fsr-3196	235	6	sample	sample	NOUN
fsr-3196	235	7	experienced	experience	VERB
fsr-3196	235	8	real	real	ADJ
fsr-3196	235	9	income	income	NOUN
fsr-3196	235	10	loss	loss	NOUN
fsr-3196	235	11	in	in	ADP
fsr-3196	235	12	excess	excess	NOUN
fsr-3196	235	13	of	of	ADP
fsr-3196	235	14	10	10	NUM
fsr-3196	235	15	%	%	NOUN
fsr-3196	235	16	over	over	ADP
fsr-3196	235	17	that	that	DET
fsr-3196	235	18	period	period	NOUN
fsr-3196	235	19	.	.	PUNCT
fsr-3196	236	1	additionally	additionally	ADV
fsr-3196	236	2	,	,	PUNCT
fsr-3196	236	3	five	five	NUM
fsr-3196	236	4	percent	percent	NOUN
fsr-3196	236	5	of	of	ADP
fsr-3196	236	6	the	the	DET
fsr-3196	236	7	sample	sample	NOUN
fsr-3196	236	8	indicated	indicate	VERB
fsr-3196	236	9	they	they	PRON
fsr-3196	236	10	had	have	VERB
fsr-3196	236	11	children	child	NOUN
fsr-3196	236	12	join	join	VERB
fsr-3196	236	13	them	they	PRON
fsr-3196	236	14	in	in	ADP
fsr-3196	236	15	the	the	DET
fsr-3196	236	16	home	home	NOUN
fsr-3196	236	17	,	,	PUNCT
fsr-3196	236	18	four	four	NUM
fsr-3196	236	19	percent	percent	NOUN
fsr-3196	236	20	of	of	ADP
fsr-3196	236	21	their	their	PRON
fsr-3196	236	22	marriages	marriage	NOUN
fsr-3196	236	23	end	end	VERB
fsr-3196	236	24	through	through	ADP
fsr-3196	236	25	divorce	divorce	NOUN
fsr-3196	236	26	or	or	CCONJ
fsr-3196	236	27	the	the	DET
fsr-3196	236	28	death	death	NOUN
fsr-3196	236	29	of	of	ADP
fsr-3196	236	30	their	their	PRON
fsr-3196	236	31	spouse	spouse	NOUN
fsr-3196	236	32	,	,	PUNCT
fsr-3196	236	33	and	and	CCONJ
fsr-3196	236	34	three	three	NUM
fsr-3196	236	35	percent	percent	NOUN
fsr-3196	236	36	experienced	experience	VERB
fsr-3196	236	37	health	health	NOUN
fsr-3196	236	38	shocks	shock	NOUN
fsr-3196	236	39	.	.	PUNCT
fsr-3196	237	1	4.2	4.2	NUM
fsr-3196	237	2	.	.	PUNCT
fsr-3196	237	3	univariate	univariate	ADJ
fsr-3196	237	4	analysis	analysis	NOUN
fsr-3196	237	5	it	it	PRON
fsr-3196	237	6	is	be	AUX
fsr-3196	237	7	important	important	ADJ
fsr-3196	237	8	to	to	PART
fsr-3196	237	9	know	know	VERB
fsr-3196	237	10	how	how	SCONJ
fsr-3196	237	11	individual	individual	ADJ
fsr-3196	237	12	and	and	CCONJ
fsr-3196	237	13	household	household	NOUN
fsr-3196	237	14	factors	factor	NOUN
fsr-3196	237	15	impact	impact	VERB
fsr-3196	237	16	the	the	DET
fsr-3196	237	17	respondent	respondent	NOUN
fsr-3196	237	18	’s	’s	PART
fsr-3196	237	19	decision	decision	NOUN
fsr-3196	237	20	to	to	PART
fsr-3196	237	21	voluntarily	voluntarily	ADV
fsr-3196	237	22	lapse	lapse	VERB
fsr-3196	237	23	a	a	DET
fsr-3196	237	24	life	life	NOUN
fsr-3196	237	25	insurance	insurance	NOUN
fsr-3196	237	26	policy	policy	NOUN
fsr-3196	237	27	.	.	PUNCT
fsr-3196	238	1	we	we	PRON
fsr-3196	238	2	first	first	ADV
fsr-3196	238	3	conduct	conduct	VERB
fsr-3196	238	4	a	a	DET
fsr-3196	238	5	univariate	univariate	ADJ
fsr-3196	238	6	comparison	comparison	NOUN
fsr-3196	238	7	of	of	ADP
fsr-3196	238	8	the	the	DET
fsr-3196	238	9	independent	independent	ADJ
fsr-3196	238	10	variables	variable	NOUN
fsr-3196	238	11	between	between	ADP
fsr-3196	238	12	those	those	DET
fsr-3196	238	13	households	household	NOUN
fsr-3196	238	14	choosing	choose	VERB
fsr-3196	238	15	to	to	PART
fsr-3196	238	16	lapse	lapse	VERB
fsr-3196	238	17	a	a	DET
fsr-3196	238	18	policy	policy	NOUN
fsr-3196	238	19	and	and	CCONJ
fsr-3196	238	20	those	those	PRON
fsr-3196	238	21	that	that	PRON
fsr-3196	238	22	did	do	AUX
fsr-3196	238	23	not	not	PART
fsr-3196	238	24	lapse	lapse	VERB
fsr-3196	238	25	a	a	DET
fsr-3196	238	26	policy	policy	NOUN
fsr-3196	238	27	in	in	ADP
fsr-3196	238	28	2010	2010	NUM
fsr-3196	238	29	.	.	PUNCT
fsr-3196	239	1	our	our	PRON
fsr-3196	239	2	results	result	NOUN
fsr-3196	239	3	are	be	AUX
fsr-3196	239	4	reported	report	VERB
fsr-3196	239	5	in	in	ADP
fsr-3196	239	6	table	table	NOUN
fsr-3196	239	7	3	3	NUM
fsr-3196	239	8	.	.	PUNCT
fsr-3196	240	1	both	both	DET
fsr-3196	240	2	measures	measure	NOUN
fsr-3196	240	3	of	of	ADP
fsr-3196	240	4	cognitive	cognitive	ADJ
fsr-3196	240	5	ability	ability	NOUN
fsr-3196	240	6	appear	appear	VERB
fsr-3196	240	7	to	to	PART
fsr-3196	240	8	play	play	VERB
fsr-3196	240	9	a	a	DET
fsr-3196	240	10	part	part	NOUN
fsr-3196	240	11	in	in	ADP
fsr-3196	240	12	the	the	DET
fsr-3196	240	13	lapse	lapse	NOUN
fsr-3196	240	14	decision	decision	NOUN
fsr-3196	240	15	,	,	PUNCT
fsr-3196	240	16	though	though	SCONJ
fsr-3196	240	17	the	the	DET
fsr-3196	240	18	level	level	NOUN
fsr-3196	240	19	of	of	ADP
fsr-3196	240	20	cognitive	cognitive	ADJ
fsr-3196	240	21	ability	ability	NOUN
fsr-3196	240	22	appears	appear	VERB
fsr-3196	240	23	to	to	PART
fsr-3196	240	24	be	be	AUX
fsr-3196	240	25	important	important	ADJ
fsr-3196	240	26	as	as	SCONJ
fsr-3196	240	27	to	to	ADP
fsr-3196	240	28	which	which	DET
fsr-3196	240	29	decision	decision	NOUN
fsr-3196	240	30	is	be	AUX
fsr-3196	240	31	made	make	VERB
fsr-3196	240	32	.	.	PUNCT
fsr-3196	241	1	both	both	DET
fsr-3196	241	2	measures	measure	NOUN
fsr-3196	241	3	indicate	indicate	VERB
fsr-3196	241	4	a	a	DET
fsr-3196	241	5	similar	similar	ADJ
fsr-3196	241	6	pattern	pattern	NOUN
fsr-3196	241	7	across	across	ADP
fsr-3196	241	8	the	the	DET
fsr-3196	241	9	levels	level	NOUN
fsr-3196	241	10	of	of	ADP
fsr-3196	241	11	cognitive	cognitive	ADJ
fsr-3196	241	12	ability	ability	NOUN
fsr-3196	241	13	.	.	PUNCT
fsr-3196	242	1	a	a	DET
fsr-3196	242	2	greater	great	ADJ
fsr-3196	242	3	share	share	NOUN
fsr-3196	242	4	of	of	ADP
fsr-3196	242	5	those	those	PRON
fsr-3196	242	6	within	within	ADP
fsr-3196	242	7	the	the	DET
fsr-3196	242	8	lowest	low	ADJ
fsr-3196	242	9	quartile	quartile	NOUN
fsr-3196	242	10	in	in	ADP
fsr-3196	242	11	each	each	DET
fsr-3196	242	12	cognitive	cognitive	ADJ
fsr-3196	242	13	measure	measure	NOUN
fsr-3196	242	14	do	do	AUX
fsr-3196	242	15	not	not	PART
fsr-3196	242	16	lapse	lapse	VERB
fsr-3196	242	17	their	their	PRON
fsr-3196	242	18	policies	policy	NOUN
fsr-3196	242	19	while	while	SCONJ
fsr-3196	242	20	a	a	DET
fsr-3196	242	21	larger	large	ADJ
fsr-3196	242	22	proportion	proportion	NOUN
fsr-3196	242	23	of	of	ADP
fsr-3196	242	24	those	those	PRON
fsr-3196	242	25	in	in	ADP
fsr-3196	242	26	the	the	DET
fsr-3196	242	27	highest	high	ADJ
fsr-3196	242	28	quartile	quartile	ADJ
fsr-3196	242	29	lapse	lapse	NOUN
fsr-3196	242	30	a	a	DET
fsr-3196	242	31	policy	policy	NOUN
fsr-3196	242	32	.	.	PUNCT
fsr-3196	243	1	more	more	ADJ
fsr-3196	243	2	quartiles	quartile	NOUN
fsr-3196	243	3	of	of	ADP
fsr-3196	243	4	the	the	DET
fsr-3196	243	5	numeracy	numeracy	NOUN
fsr-3196	243	6	measure	measure	NOUN
fsr-3196	243	7	showed	show	VERB
fsr-3196	243	8	a	a	DET
fsr-3196	243	9	univariate	univariate	ADJ
fsr-3196	243	10	relationship	relationship	NOUN
fsr-3196	243	11	between	between	ADP
fsr-3196	243	12	cognitive	cognitive	ADJ
fsr-3196	243	13	ability	ability	NOUN
fsr-3196	243	14	and	and	CCONJ
fsr-3196	243	15	the	the	DET
fsr-3196	243	16	decision	decision	NOUN
fsr-3196	243	17	lapse	lapse	NOUN
fsr-3196	243	18	to	to	ADP
fsr-3196	243	19	lapse	lapse	NOUN
fsr-3196	243	20	a	a	DET
fsr-3196	243	21	policy	policy	NOUN
fsr-3196	243	22	.	.	PUNCT
fsr-3196	244	1	the	the	DET
fsr-3196	244	2	household	household	NOUN
fsr-3196	244	3	economic	economic	ADJ
fsr-3196	244	4	factors	factor	NOUN
fsr-3196	244	5	indicate	indicate	VERB
fsr-3196	244	6	some	some	DET
fsr-3196	244	7	level	level	NOUN
fsr-3196	244	8	of	of	ADP
fsr-3196	244	9	univariate	univariate	ADJ
fsr-3196	244	10	relationship	relationship	NOUN
fsr-3196	244	11	.	.	PUNCT
fsr-3196	245	1	those	those	DET
fsr-3196	245	2	respondents	respondent	NOUN
fsr-3196	245	3	in	in	ADP
fsr-3196	245	4	households	household	NOUN
fsr-3196	245	5	with	with	ADP
fsr-3196	245	6	the	the	DET
fsr-3196	245	7	lowest	low	ADJ
fsr-3196	245	8	income	income	NOUN
fsr-3196	245	9	indicate	indicate	VERB
fsr-3196	245	10	a	a	DET
fsr-3196	245	11	higher	high	ADJ
fsr-3196	245	12	proportion	proportion	NOUN
fsr-3196	245	13	that	that	PRON
fsr-3196	245	14	do	do	AUX
fsr-3196	245	15	not	not	PART
fsr-3196	245	16	lapse	lapse	VERB
fsr-3196	245	17	a	a	DET
fsr-3196	245	18	policy	policy	NOUN
fsr-3196	245	19	while	while	SCONJ
fsr-3196	245	20	those	those	PRON
fsr-3196	245	21	with	with	ADP
fsr-3196	245	22	the	the	DET
fsr-3196	245	23	highest	high	ADJ
fsr-3196	245	24	income	income	NOUN
fsr-3196	245	25	have	have	VERB
fsr-3196	245	26	a	a	DET
fsr-3196	245	27	higher	high	ADJ
fsr-3196	245	28	proportion	proportion	NOUN
fsr-3196	245	29	that	that	DET
fsr-3196	245	30	lapse	lapse	NOUN
fsr-3196	245	31	.	.	PUNCT
fsr-3196	246	1	respondents	respondent	NOUN
fsr-3196	246	2	in	in	ADP
fsr-3196	246	3	households	household	NOUN
fsr-3196	246	4	falling	fall	VERB
fsr-3196	246	5	in	in	ADP
fsr-3196	246	6	the	the	DET
fsr-3196	246	7	lowest	low	ADJ
fsr-3196	246	8	and	and	CCONJ
fsr-3196	246	9	highest	high	ADJ
fsr-3196	246	10	quartiles	quartile	NOUN
fsr-3196	246	11	of	of	ADP
fsr-3196	246	12	net	net	ADJ
fsr-3196	246	13	worth	worth	NOUN
fsr-3196	246	14	have	have	VERB
fsr-3196	246	15	greater	great	ADJ
fsr-3196	246	16	percentages	percentage	NOUN
fsr-3196	246	17	that	that	SCONJ
fsr-3196	246	18	lapse	lapse	NOUN
fsr-3196	246	19	policies	policy	NOUN
fsr-3196	246	20	while	while	SCONJ
fsr-3196	246	21	those	those	PRON
fsr-3196	246	22	in	in	ADP
fsr-3196	246	23	the	the	DET
fsr-3196	246	24	inner	inner	ADJ
fsr-3196	246	25	quartiles	quartile	NOUN
fsr-3196	246	26	have	have	VERB
fsr-3196	246	27	larger	large	ADJ
fsr-3196	246	28	percentages	percentage	NOUN
fsr-3196	246	29	that	that	PRON
fsr-3196	246	30	do	do	AUX
fsr-3196	246	31	not	not	PART
fsr-3196	246	32	lapse	lapse	VERB
fsr-3196	246	33	.	.	PUNCT
fsr-3196	247	1	those	those	PRON
fsr-3196	247	2	who	who	PRON
fsr-3196	247	3	lapsed	lapse	VERB
fsr-3196	247	4	policies	policy	NOUN
fsr-3196	247	5	also	also	ADV
fsr-3196	247	6	had	have	VERB
fsr-3196	247	7	higher	high	ADJ
fsr-3196	247	8	debt	debt	NOUN
fsr-3196	247	9	than	than	ADP
fsr-3196	247	10	those	those	PRON
fsr-3196	247	11	who	who	PRON
fsr-3196	247	12	did	do	VERB
fsr-3196	247	13	not	not	PART
fsr-3196	247	14	.	.	PUNCT
fsr-3196	248	1	from	from	ADP
fsr-3196	248	2	a	a	DET
fsr-3196	248	3	demographic	demographic	ADJ
fsr-3196	248	4	perspective	perspective	NOUN
fsr-3196	248	5	,	,	PUNCT
fsr-3196	248	6	there	there	PRON
fsr-3196	248	7	is	be	VERB
fsr-3196	248	8	a	a	DET
fsr-3196	248	9	positive	positive	ADJ
fsr-3196	248	10	univariate	univariate	ADJ
fsr-3196	248	11	relationship	relationship	NOUN
fsr-3196	248	12	between	between	ADP
fsr-3196	248	13	lapsing	lapse	VERB
fsr-3196	248	14	a	a	DET
fsr-3196	248	15	policy	policy	NOUN
fsr-3196	248	16	and	and	CCONJ
fsr-3196	248	17	being	be	AUX
fsr-3196	248	18	male	male	NOUN
fsr-3196	248	19	,	,	PUNCT
fsr-3196	248	20	or	or	CCONJ
fsr-3196	248	21	being	be	AUX
fsr-3196	248	22	black	black	ADJ
fsr-3196	248	23	,	,	PUNCT
fsr-3196	248	24	or	or	CCONJ
fsr-3196	248	25	having	have	VERB
fsr-3196	248	26	a	a	DET
fsr-3196	248	27	college	college	NOUN
fsr-3196	248	28	degree	degree	NOUN
fsr-3196	248	29	.	.	PUNCT
fsr-3196	249	1	from	from	ADP
fsr-3196	249	2	a	a	DET
fsr-3196	249	3	life	life	NOUN
fsr-3196	249	4	cycle	cycle	NOUN
fsr-3196	249	5	perspective	perspective	NOUN
fsr-3196	249	6	,	,	PUNCT
fsr-3196	249	7	we	we	PRON
fsr-3196	249	8	see	see	VERB
fsr-3196	249	9	a	a	DET
fsr-3196	249	10	relationship	relationship	NOUN
fsr-3196	249	11	among	among	ADP
fsr-3196	249	12	respondents	respondent	NOUN
fsr-3196	249	13	who	who	PRON
fsr-3196	249	14	are	be	AUX
fsr-3196	249	15	age	age	NOUN
fsr-3196	249	16	75	75	NUM
fsr-3196	249	17	and	and	CCONJ
fsr-3196	249	18	older	old	ADJ
fsr-3196	249	19	and	and	CCONJ
fsr-3196	249	20	not	not	PART
fsr-3196	249	21	lapsing	lapse	VERB
fsr-3196	249	22	a	a	DET
fsr-3196	249	23	policy	policy	NOUN
fsr-3196	249	24	.	.	PUNCT
fsr-3196	250	1	of	of	ADP
fsr-3196	250	2	particular	particular	ADJ
fsr-3196	250	3	interest	interest	NOUN
fsr-3196	250	4	is	be	AUX
fsr-3196	250	5	the	the	DET
fsr-3196	250	6	highly	highly	ADV
fsr-3196	250	7	significant	significant	ADJ
fsr-3196	250	8	difference	difference	NOUN
fsr-3196	250	9	among	among	ADP
fsr-3196	250	10	respondents	respondent	NOUN
fsr-3196	250	11	in	in	ADP
fsr-3196	250	12	the	the	DET
fsr-3196	250	13	age	age	NOUN
fsr-3196	250	14	60	60	NUM
fsr-3196	250	15	to	to	PART
fsr-3196	250	16	age	age	VERB
fsr-3196	250	17	64	64	NUM
fsr-3196	250	18	group	group	NOUN
fsr-3196	250	19	,	,	PUNCT
fsr-3196	250	20	suggesting	suggest	VERB
fsr-3196	250	21	a	a	DET
fsr-3196	250	22	univariate	univariate	ADJ
fsr-3196	250	23	relationship	relationship	NOUN
fsr-3196	250	24	between	between	ADP
fsr-3196	250	25	this	this	DET
fsr-3196	250	26	age	age	NOUN
fsr-3196	250	27	group	group	NOUN
fsr-3196	250	28	that	that	PRON
fsr-3196	250	29	is	be	AUX
fsr-3196	250	30	often	often	ADV
fsr-3196	250	31	associated	associate	VERB
fsr-3196	250	32	with	with	ADP
fsr-3196	250	33	the	the	DET
fsr-3196	250	34	beginning	beginning	NOUN
fsr-3196	250	35	of	of	ADP
fsr-3196	250	36	retirement	retirement	NOUN
fsr-3196	250	37	(	(	PUNCT
fsr-3196	250	38	brown	brown	ADJ
fsr-3196	250	39	,	,	PUNCT
fsr-3196	250	40	2013	2013	NUM
fsr-3196	250	41	)	)	PUNCT
fsr-3196	250	42	and	and	CCONJ
fsr-3196	250	43	the	the	DET
fsr-3196	250	44	decision	decision	NOUN
fsr-3196	250	45	to	to	PART
fsr-3196	250	46	lapse	lapse	VERB
fsr-3196	250	47	.	.	PUNCT
fsr-3196	251	1	84	84	NUM
fsr-3196	251	2	b.	b.	PROPN
fsr-3196	251	3	s.	s.	PROPN
fsr-3196	251	4	mulholland	mulholland	PROPN
fsr-3196	251	5	and	and	CCONJ
fsr-3196	251	6	m.	m.	PROPN
fsr-3196	251	7	s.	s.	PROPN
fsr-3196	251	8	finke	finke	PROPN
fsr-3196	251	9	/	/	SYM
fsr-3196	251	10	financial	financial	ADJ
fsr-3196	251	11	services	service	NOUN
fsr-3196	251	12	review	review	VERB
fsr-3196	251	13	31	31	NUM
fsr-3196	251	14	(	(	PUNCT
fsr-3196	251	15	2023	2023	NUM
fsr-3196	251	16	)	)	PUNCT
fsr-3196	251	17	73–96	73–96	NUM
fsr-3196	251	18	table	table	NOUN
fsr-3196	251	19	3	3	NUM
fsr-3196	251	20	univariate	univariate	ADJ
fsr-3196	251	21	difference	difference	NOUN
fsr-3196	251	22	for	for	ADP
fsr-3196	251	23	lapses	lapse	NOUN
fsr-3196	251	24	of	of	ADP
fsr-3196	251	25	life	life	NOUN
fsr-3196	251	26	insurance	insurance	NOUN
fsr-3196	251	27	between	between	ADP
fsr-3196	251	28	2008	2008	NUM
fsr-3196	251	29	and	and	CCONJ
fsr-3196	251	30	2010	2010	NUM
fsr-3196	251	31	differences	difference	NOUN
fsr-3196	251	32	in	in	ADP
fsr-3196	251	33	means	mean	NOUN
fsr-3196	251	34	of	of	ADP
fsr-3196	251	35	demand	demand	NOUN
fsr-3196	251	36	determinants	determinant	NOUN
fsr-3196	251	37	for	for	ADP
fsr-3196	251	38	individuals	individual	NOUN
fsr-3196	251	39	lapsing	lapse	VERB
fsr-3196	251	40	life	life	NOUN
fsr-3196	251	41	insurance	insurance	NOUN
fsr-3196	251	42	explanatory	explanatory	ADJ
fsr-3196	251	43	variables	variable	NOUN
fsr-3196	251	44	(	(	PUNCT
fsr-3196	251	45	1	1	NUM
fsr-3196	251	46	)	)	PUNCT
fsr-3196	251	47	lapse	lapse	NOUN
fsr-3196	251	48	=	=	SYM
fsr-3196	251	49	0	0	NUM
fsr-3196	252	1	(	(	PUNCT
fsr-3196	252	2	2	2	NUM
fsr-3196	252	3	)	)	PUNCT
fsr-3196	252	4	lapse	lapse	NOUN
fsr-3196	252	5	=	=	SYM
fsr-3196	252	6	1	1	NUM
fsr-3196	252	7	diff	diff	NOUN
fsr-3196	252	8	(	(	PUNCT
fsr-3196	252	9	1	1	NUM
fsr-3196	252	10	)	)	SYM
fsr-3196	252	11	2	2	NUM
fsr-3196	252	12	(	(	PUNCT
fsr-3196	252	13	2	2	NUM
fsr-3196	252	14	)	)	PUNCT
fsr-3196	252	15	no	no	NOUN
fsr-3196	252	16	.	.	NOUN
fsr-3196	252	17	of	of	ADP
fsr-3196	252	18	individuals	individual	NOUN
fsr-3196	252	19	8411	8411	NUM
fsr-3196	252	20	384	384	NUM
fsr-3196	252	21	cognitive	cognitive	ADJ
fsr-3196	252	22	ability	ability	NOUN
fsr-3196	252	23	episodic	episodic	ADJ
fsr-3196	252	24	memory	memory	NOUN
fsr-3196	252	25	quartiles	quartile	NOUN
fsr-3196	252	26	(	(	PUNCT
fsr-3196	252	27	no	no	INTJ
fsr-3196	252	28	.	.	PUNCT
fsr-3196	252	29	correct	correct	ADJ
fsr-3196	252	30	)	)	PUNCT
fsr-3196	253	1	<	<	X
fsr-3196	253	2	25th	25th	NOUN
fsr-3196	253	3	percentile	percentile	ADJ
fsr-3196	253	4	0.3481	0.3481	NUM
fsr-3196	253	5	0.2943	0.2943	NUM
fsr-3196	253	6	0.0538	0.0538	NUM
fsr-3196	253	7	*	*	PUNCT
fsr-3196	253	8	*	*	PUNCT
fsr-3196	253	9	25th	25th	NOUN
fsr-3196	253	10	to	to	ADP
fsr-3196	253	11	50th	50th	ADJ
fsr-3196	253	12	percentile	percentile	NOUN
fsr-3196	253	13	0.2337	0.2337	NUM
fsr-3196	253	14	0.2318	0.2318	PROPN
fsr-3196	253	15	0.0020	0.0020	NUM
fsr-3196	253	16	50th	50th	NOUN
fsr-3196	253	17	to	to	ADP
fsr-3196	253	18	75th	75th	ADJ
fsr-3196	253	19	percentile	percentile	ADJ
fsr-3196	253	20	0.2133	0.2133	NUM
fsr-3196	253	21	0.2318	0.2318	NUM
fsr-3196	253	22	�	�	NOUN
fsr-3196	253	23	0.0185	0.0185	NUM
fsr-3196	253	24	>	>	PUNCT
fsr-3196	253	25	75th	75th	ADJ
fsr-3196	253	26	percentile	percentile	ADJ
fsr-3196	253	27	0.2049	0.2049	NUM
fsr-3196	253	28	0.2422	0.2422	NUM
fsr-3196	253	29	�	�	NUM
fsr-3196	253	30	0.0373	0.0373	NUM
fsr-3196	253	31	*	*	PUNCT
fsr-3196	253	32	numeracy	numeracy	NOUN
fsr-3196	253	33	quartiles	quartile	NOUN
fsr-3196	253	34	(	(	PUNCT
fsr-3196	253	35	no	no	INTJ
fsr-3196	253	36	.	.	PUNCT
fsr-3196	254	1	correct	correct	ADJ
fsr-3196	254	2	)	)	PUNCT
fsr-3196	255	1	<	<	X
fsr-3196	255	2	25th	25th	ADJ
fsr-3196	255	3	percentile	percentile	ADJ
fsr-3196	255	4	0.2318	0.2318	PROPN
fsr-3196	255	5	0.1536	0.1536	NUM
fsr-3196	255	6	0.0782	0.0782	NUM
fsr-3196	255	7	*	*	PUNCT
fsr-3196	255	8	*	*	PUNCT
fsr-3196	255	9	*	*	PUNCT
fsr-3196	255	10	25th	25th	NOUN
fsr-3196	255	11	to	to	ADP
fsr-3196	255	12	50th	50th	ADJ
fsr-3196	255	13	percentile	percentile	NOUN
fsr-3196	255	14	0.3770	0.3770	NUM
fsr-3196	255	15	0.3854	0.3854	NUM
fsr-3196	255	16	�	�	NOUN
fsr-3196	255	17	0.0084	0.0084	NUM
fsr-3196	255	18	50th	50th	NOUN
fsr-3196	255	19	to	to	ADP
fsr-3196	255	20	75th	75th	ADJ
fsr-3196	255	21	percentile	percentile	ADJ
fsr-3196	255	22	0.3189	0.3189	NUM
fsr-3196	255	23	0.3594	0.3594	NUM
fsr-3196	255	24	�	�	PROPN
fsr-3196	255	25	0.0405	0.0405	NUM
fsr-3196	255	26	*	*	PUNCT
fsr-3196	255	27	>	>	PUNCT
fsr-3196	255	28	75th	75th	ADJ
fsr-3196	255	29	percentile	percentile	ADJ
fsr-3196	255	30	0.0723	0.0723	NUM
fsr-3196	255	31	0.1016	0.1016	NUM
fsr-3196	255	32	�	�	NOUN
fsr-3196	255	33	0.0293	0.0293	NUM
fsr-3196	255	34	*	*	NOUN
fsr-3196	255	35	*	*	PUNCT
fsr-3196	255	36	economic	economic	ADJ
fsr-3196	255	37	factors	factor	NOUN
fsr-3196	255	38	income	income	NOUN
fsr-3196	255	39	quartiles	quartile	NOUN
fsr-3196	255	40	(	(	PUNCT
fsr-3196	255	41	$	$	SYM
fsr-3196	255	42	)	)	PUNCT
fsr-3196	255	43	<	<	X
fsr-3196	255	44	25th	25th	ADJ
fsr-3196	255	45	percentile	percentile	ADJ
fsr-3196	255	46	0.2518	0.2518	NUM
fsr-3196	255	47	0.2109	0.2109	NUM
fsr-3196	255	48	0.0409	0.0409	NUM
fsr-3196	255	49	*	*	SYM
fsr-3196	255	50	25th	25th	NOUN
fsr-3196	255	51	to	to	ADP
fsr-3196	255	52	50th	50th	ADJ
fsr-3196	255	53	percentile	percentile	NOUN
fsr-3196	255	54	0.2499	0.2499	NUM
fsr-3196	255	55	0.2526	0.2526	NUM
fsr-3196	255	56	�	�	NOUN
fsr-3196	255	57	0.0027	0.0027	NUM
fsr-3196	255	58	50th	50th	NOUN
fsr-3196	255	59	to	to	ADP
fsr-3196	255	60	75th	75th	ADJ
fsr-3196	255	61	percentile	percentile	ADJ
fsr-3196	255	62	0.2500	0.2500	NUM
fsr-3196	255	63	0.2474	0.2474	NUM
fsr-3196	255	64	0.0026	0.0026	NUM
fsr-3196	255	65	>	>	SYM
fsr-3196	255	66	75th	75th	ADJ
fsr-3196	255	67	percentile	percentile	ADJ
fsr-3196	255	68	0.2482	0.2482	NUM
fsr-3196	255	69	0.2891	0.2891	NUM
fsr-3196	255	70	�	�	NOUN
fsr-3196	255	71	0.0408	0.0408	NUM
fsr-3196	255	72	*	*	SYM
fsr-3196	255	73	net	net	ADJ
fsr-3196	255	74	worth	worth	ADJ
fsr-3196	255	75	quartiles	quartile	NOUN
fsr-3196	255	76	(	(	PUNCT
fsr-3196	255	77	$	$	SYM
fsr-3196	255	78	)	)	PUNCT
fsr-3196	255	79	<	<	X
fsr-3196	255	80	25th	25th	ADJ
fsr-3196	255	81	percentile	percentile	NOUN
fsr-3196	255	82	0.2473	0.2473	NUM
fsr-3196	255	83	0.3281	0.3281	NUM
fsr-3196	255	84	�	�	NOUN
fsr-3196	255	85	0.0808	0.0808	NUM
fsr-3196	255	86	*	*	NOUN
fsr-3196	255	87	*	*	PUNCT
fsr-3196	255	88	*	*	PUNCT
fsr-3196	255	89	25th	25th	NOUN
fsr-3196	255	90	to	to	ADP
fsr-3196	255	91	50th	50th	ADJ
fsr-3196	255	92	percentile	percentile	NOUN
fsr-3196	255	93	0.2519	0.2519	NUM
fsr-3196	255	94	0.1901	0.1901	NUM
fsr-3196	255	95	0.0618	0.0618	NUM
fsr-3196	255	96	*	*	PUNCT
fsr-3196	255	97	*	*	PUNCT
fsr-3196	255	98	*	*	PUNCT
fsr-3196	255	99	50th	50th	ADJ
fsr-3196	255	100	to	to	ADP
fsr-3196	255	101	75th	75th	ADJ
fsr-3196	255	102	percentile	percentile	ADJ
fsr-3196	255	103	0.2526	0.2526	NUM
fsr-3196	255	104	0.1953	0.1953	NUM
fsr-3196	255	105	0.0573	0.0573	NUM
fsr-3196	255	106	*	*	PUNCT
fsr-3196	255	107	*	*	PUNCT
fsr-3196	255	108	>	>	PUNCT
fsr-3196	255	109	75th	75th	ADJ
fsr-3196	255	110	percentile	percentile	ADJ
fsr-3196	255	111	0.2481	0.2481	NUM
fsr-3196	255	112	0.2865	0.2865	NUM
fsr-3196	255	113	�	�	NOUN
fsr-3196	255	114	0.0383	0.0383	NUM
fsr-3196	255	115	*	*	PUNCT
fsr-3196	255	116	log	log	NOUN
fsr-3196	255	117	total	total	ADJ
fsr-3196	255	118	debt	debt	NOUN
fsr-3196	255	119	5.2279	5.2279	NUM
fsr-3196	255	120	6.2421	6.2421	NUM
fsr-3196	255	121	�	�	NOUN
fsr-3196	255	122	1.0142	1.0142	NUM
fsr-3196	255	123	*	*	PUNCT
fsr-3196	255	124	*	*	PUNCT
fsr-3196	255	125	*	*	PUNCT
fsr-3196	255	126	financial	financial	ADJ
fsr-3196	255	127	knowledge	knowledge	NOUN
fsr-3196	255	128	financial	financial	PROPN
fsr-3196	255	129	respondent	respondent	NOUN
fsr-3196	255	130	0.7029	0.7029	NUM
fsr-3196	255	131	0.7057	0.7057	NUM
fsr-3196	255	132	�	�	NOUN
fsr-3196	255	133	0.0028	0.0028	NUM
fsr-3196	255	134	bequest	bequest	NOUN
fsr-3196	255	135	factors	factor	NOUN
fsr-3196	255	136	married	marry	VERB
fsr-3196	255	137	in	in	ADP
fsr-3196	255	138	current	current	ADJ
fsr-3196	255	139	wave	wave	NOUN
fsr-3196	255	140	0.6270	0.6270	NUM
fsr-3196	255	141	0.6432	0.6432	NUM
fsr-3196	255	142	�	�	NOUN
fsr-3196	255	143	0.0162	0.0162	NUM
fsr-3196	255	144	has	have	AUX
fsr-3196	255	145	living	live	VERB
fsr-3196	255	146	children	child	NOUN
fsr-3196	255	147	0.9289	0.9289	NUM
fsr-3196	255	148	0.9271	0.9271	NUM
fsr-3196	255	149	0.0018	0.0018	NUM
fsr-3196	255	150	demographic	demographic	ADJ
fsr-3196	255	151	factors	factor	NOUN
fsr-3196	255	152	age	age	NOUN
fsr-3196	255	153	in	in	ADP
fsr-3196	255	154	2010	2010	NUM
fsr-3196	255	155	less	less	ADJ
fsr-3196	255	156	than	than	ADP
fsr-3196	255	157	60	60	NUM
fsr-3196	255	158	0.1682	0.1682	NUM
fsr-3196	255	159	0.1797	0.1797	NUM
fsr-3196	255	160	�	�	NOUN
fsr-3196	255	161	0.0115	0.0115	NUM
fsr-3196	255	162	60	60	NUM
fsr-3196	255	163	to	to	ADP
fsr-3196	255	164	64	64	NUM
fsr-3196	255	165	0.1686	0.1686	NUM
fsr-3196	255	166	0.2240	0.2240	NUM
fsr-3196	255	167	�	�	NOUN
fsr-3196	255	168	0.0554	0.0554	NUM
fsr-3196	255	169	*	*	NOUN
fsr-3196	255	170	*	*	PUNCT
fsr-3196	255	171	*	*	NOUN
fsr-3196	255	172	65	65	NUM
fsr-3196	255	173	to	to	PART
fsr-3196	255	174	69	69	NUM
fsr-3196	255	175	0.1549	0.1549	NUM
fsr-3196	255	176	0.1484	0.1484	NUM
fsr-3196	255	177	0.0065	0.0065	NUM
fsr-3196	255	178	70	70	NUM
fsr-3196	255	179	to	to	ADP
fsr-3196	255	180	74	74	NUM
fsr-3196	255	181	0.1952	0.1952	NUM
fsr-3196	255	182	0.2109	0.2109	NUM
fsr-3196	255	183	�	�	NOUN
fsr-3196	255	184	0.0157	0.0157	NUM
fsr-3196	255	185	75	75	NUM
fsr-3196	255	186	to	to	PART
fsr-3196	255	187	79	79	NUM
fsr-3196	255	188	0.1504	0.1504	NUM
fsr-3196	255	189	0.1198	0.1198	NUM
fsr-3196	255	190	0.0306	0.0306	NUM
fsr-3196	255	191	*	*	SYM
fsr-3196	255	192	80	80	NUM
fsr-3196	255	193	and	and	CCONJ
fsr-3196	255	194	higher	high	ADJ
fsr-3196	256	1	0.1626	0.1626	NUM
fsr-3196	256	2	0.1172	0.1172	NUM
fsr-3196	256	3	0.0455	0.0455	NUM
fsr-3196	256	4	*	*	PUNCT
fsr-3196	256	5	*	*	PUNCT
fsr-3196	256	6	male	male	ADJ
fsr-3196	256	7	0.4336	0.4336	NUM
fsr-3196	256	8	0.4818	0.4818	NUM
fsr-3196	256	9	�	�	NOUN
fsr-3196	256	10	0.0482	0.0482	NUM
fsr-3196	256	11	*	*	PUNCT
fsr-3196	256	12	race	race	NOUN
fsr-3196	256	13	white	white	ADJ
fsr-3196	256	14	0.8189	0.8189	NUM
fsr-3196	256	15	0.7917	0.7917	NUM
fsr-3196	256	16	0.0273	0.0273	NUM
fsr-3196	256	17	black	black	ADJ
fsr-3196	256	18	0.1571	0.1571	NUM
fsr-3196	256	19	0.1901	0.1901	NUM
fsr-3196	256	20	�	�	NOUN
fsr-3196	256	21	0.0330	0.0330	NUM
fsr-3196	256	22	*	*	NOUN
fsr-3196	256	23	other	other	ADJ
fsr-3196	256	24	0.0240	0.0240	NUM
fsr-3196	256	25	0.0182	0.0182	NUM
fsr-3196	256	26	0.0058	0.0058	NUM
fsr-3196	256	27	education	education	NOUN
fsr-3196	256	28	less	less	ADJ
fsr-3196	256	29	than	than	ADP
fsr-3196	256	30	high	high	ADJ
fsr-3196	256	31	school	school	NOUN
fsr-3196	256	32	degree	degree	NOUN
fsr-3196	256	33	0.1531	0.1531	NUM
fsr-3196	256	34	0.1224	0.1224	NUM
fsr-3196	256	35	0.0307	0.0307	NUM
fsr-3196	256	36	*	*	PUNCT
fsr-3196	256	37	high	high	ADJ
fsr-3196	256	38	school	school	NOUN
fsr-3196	256	39	0.3667	0.3667	NUM
fsr-3196	256	40	0.3307	0.3307	NUM
fsr-3196	256	41	0.0359	0.0359	NUM
fsr-3196	256	42	some	some	DET
fsr-3196	256	43	college	college	NOUN
fsr-3196	256	44	0.2385	0.2385	NUM
fsr-3196	256	45	0.2318	0.2318	PROPN
fsr-3196	256	46	0.0067	0.0067	NUM
fsr-3196	256	47	college	college	NOUN
fsr-3196	256	48	0.2416	0.2416	NUM
fsr-3196	256	49	0.3151	0.3151	NUM
fsr-3196	256	50	�	�	NOUN
fsr-3196	256	51	0.0735	0.0735	NUM
fsr-3196	256	52	*	*	NOUN
fsr-3196	256	53	*	*	PUNCT
fsr-3196	256	54	*	*	PUNCT
fsr-3196	256	55	(	(	PUNCT
fsr-3196	256	56	continued	continue	VERB
fsr-3196	256	57	on	on	ADP
fsr-3196	256	58	next	next	ADJ
fsr-3196	256	59	page	page	NOUN
fsr-3196	256	60	)	)	PUNCT
fsr-3196	256	61	b.	b.	PROPN
fsr-3196	256	62	s.	s.	PROPN
fsr-3196	256	63	mulholland	mulholland	PROPN
fsr-3196	256	64	and	and	CCONJ
fsr-3196	256	65	m.	m.	PROPN
fsr-3196	256	66	s.	s.	PROPN
fsr-3196	256	67	finke	finke	PROPN
fsr-3196	256	68	/	/	SYM
fsr-3196	256	69	financial	financial	ADJ
fsr-3196	256	70	services	service	NOUN
fsr-3196	256	71	review	review	VERB
fsr-3196	256	72	31	31	NUM
fsr-3196	256	73	(	(	PUNCT
fsr-3196	256	74	2023	2023	NUM
fsr-3196	256	75	)	)	PUNCT
fsr-3196	257	1	73–96	73–96	NUM
fsr-3196	257	2	85	85	NUM
fsr-3196	257	3	we	we	PRON
fsr-3196	257	4	also	also	ADV
fsr-3196	257	5	observe	observe	VERB
fsr-3196	257	6	univariate	univariate	ADJ
fsr-3196	257	7	differences	difference	NOUN
fsr-3196	257	8	in	in	ADP
fsr-3196	257	9	two	two	NUM
fsr-3196	257	10	of	of	ADP
fsr-3196	257	11	our	our	PRON
fsr-3196	257	12	shock	shock	NOUN
fsr-3196	257	13	variables	variable	NOUN
fsr-3196	257	14	,	,	PUNCT
fsr-3196	257	15	those	those	PRON
fsr-3196	257	16	who	who	PRON
fsr-3196	257	17	are	be	AUX
fsr-3196	257	18	newly	newly	ADV
fsr-3196	257	19	retired	retire	VERB
fsr-3196	257	20	and	and	CCONJ
fsr-3196	257	21	those	those	PRON
fsr-3196	257	22	with	with	ADP
fsr-3196	257	23	more	more	ADJ
fsr-3196	257	24	kids	kid	NOUN
fsr-3196	257	25	living	live	VERB
fsr-3196	257	26	with	with	ADP
fsr-3196	257	27	them	they	PRON
fsr-3196	257	28	.	.	PUNCT
fsr-3196	258	1	this	this	PRON
fsr-3196	258	2	suggests	suggest	VERB
fsr-3196	258	3	that	that	SCONJ
fsr-3196	258	4	both	both	PRON
fsr-3196	258	5	of	of	ADP
fsr-3196	258	6	these	these	DET
fsr-3196	258	7	shocks	shock	NOUN
fsr-3196	258	8	are	be	AUX
fsr-3196	258	9	related	relate	VERB
fsr-3196	258	10	to	to	ADP
fsr-3196	258	11	the	the	DET
fsr-3196	258	12	decision	decision	NOUN
fsr-3196	258	13	to	to	PART
fsr-3196	258	14	voluntarily	voluntarily	ADV
fsr-3196	258	15	lapse	lapse	VERB
fsr-3196	258	16	a	a	DET
fsr-3196	258	17	policy	policy	NOUN
fsr-3196	258	18	.	.	PUNCT
fsr-3196	259	1	we	we	PRON
fsr-3196	259	2	now	now	ADV
fsr-3196	259	3	turn	turn	VERB
fsr-3196	259	4	our	our	PRON
fsr-3196	259	5	attention	attention	NOUN
fsr-3196	259	6	to	to	ADP
fsr-3196	259	7	the	the	DET
fsr-3196	259	8	multivariate	multivariate	NOUN
fsr-3196	259	9	analysis	analysis	NOUN
fsr-3196	259	10	using	use	VERB
fsr-3196	259	11	logistic	logistic	ADJ
fsr-3196	259	12	regression	regression	NOUN
fsr-3196	259	13	to	to	PART
fsr-3196	259	14	better	well	ADV
fsr-3196	259	15	understand	understand	VERB
fsr-3196	259	16	the	the	DET
fsr-3196	259	17	life	life	NOUN
fsr-3196	259	18	insurance	insurance	NOUN
fsr-3196	259	19	voluntary	voluntary	ADJ
fsr-3196	259	20	lapse	lapse	NOUN
fsr-3196	259	21	decision	decision	NOUN
fsr-3196	259	22	by	by	ADP
fsr-3196	259	23	older	old	ADJ
fsr-3196	259	24	individuals	individual	NOUN
fsr-3196	259	25	.	.	PUNCT
fsr-3196	260	1	4.3	4.3	NUM
fsr-3196	260	2	.	.	PUNCT
fsr-3196	260	3	logistic	logistic	ADJ
fsr-3196	260	4	regression	regression	NOUN
fsr-3196	260	5	model	model	NOUN
fsr-3196	260	6	analysis	analysis	NOUN
fsr-3196	260	7	we	we	PRON
fsr-3196	260	8	present	present	VERB
fsr-3196	260	9	in	in	ADP
fsr-3196	260	10	two	two	NUM
fsr-3196	260	11	tables	table	NOUN
fsr-3196	260	12	our	our	PRON
fsr-3196	260	13	logistic	logistic	ADJ
fsr-3196	260	14	regression	regression	NOUN
fsr-3196	260	15	analyses	analysis	NOUN
fsr-3196	260	16	of	of	ADP
fsr-3196	260	17	the	the	DET
fsr-3196	260	18	decision	decision	NOUN
fsr-3196	260	19	to	to	PART
fsr-3196	260	20	voluntarily	voluntarily	ADV
fsr-3196	260	21	lapse	lapse	VERB
fsr-3196	260	22	a	a	DET
fsr-3196	260	23	life	life	NOUN
fsr-3196	260	24	insurance	insurance	NOUN
fsr-3196	260	25	policy	policy	NOUN
fsr-3196	260	26	,	,	PUNCT
fsr-3196	260	27	using	use	VERB
fsr-3196	260	28	separately	separately	ADV
fsr-3196	260	29	the	the	DET
fsr-3196	260	30	two	two	NUM
fsr-3196	260	31	measures	measure	NOUN
fsr-3196	260	32	of	of	ADP
fsr-3196	260	33	cognitive	cognitive	ADJ
fsr-3196	260	34	ability	ability	NOUN
fsr-3196	260	35	.	.	PUNCT
fsr-3196	261	1	the	the	DET
fsr-3196	261	2	regression	regression	NOUN
fsr-3196	261	3	incorporating	incorporate	VERB
fsr-3196	261	4	episodic	episodic	ADJ
fsr-3196	261	5	memory	memory	NOUN
fsr-3196	261	6	is	be	AUX
fsr-3196	261	7	presented	present	VERB
fsr-3196	261	8	in	in	ADP
fsr-3196	261	9	table	table	NOUN
fsr-3196	261	10	4a	4a	NOUN
fsr-3196	261	11	and	and	CCONJ
fsr-3196	261	12	the	the	DET
fsr-3196	261	13	regression	regression	NOUN
fsr-3196	261	14	incorporating	incorporate	VERB
fsr-3196	261	15	numeracy	numeracy	NOUN
fsr-3196	261	16	is	be	AUX
fsr-3196	261	17	presented	present	VERB
fsr-3196	261	18	in	in	ADP
fsr-3196	261	19	table	table	NOUN
fsr-3196	261	20	4b	4b	PROPN
fsr-3196	261	21	.	.	PUNCT
fsr-3196	262	1	in	in	ADP
fsr-3196	262	2	each	each	DET
fsr-3196	262	3	table	table	NOUN
fsr-3196	262	4	we	we	PRON
fsr-3196	262	5	present	present	VERB
fsr-3196	262	6	the	the	DET
fsr-3196	262	7	results	result	NOUN
fsr-3196	262	8	of	of	ADP
fsr-3196	262	9	three	three	NUM
fsr-3196	262	10	regression	regression	NOUN
fsr-3196	262	11	analyses	analysis	NOUN
fsr-3196	262	12	from	from	ADP
fsr-3196	262	13	the	the	DET
fsr-3196	262	14	same	same	ADJ
fsr-3196	262	15	model	model	NOUN
fsr-3196	262	16	to	to	PART
fsr-3196	262	17	explore	explore	VERB
fsr-3196	262	18	the	the	DET
fsr-3196	262	19	relationships	relationship	NOUN
fsr-3196	262	20	that	that	SCONJ
fsr-3196	262	21	various	various	ADJ
fsr-3196	262	22	independent	independent	ADJ
fsr-3196	262	23	variables	variable	NOUN
fsr-3196	262	24	have	have	VERB
fsr-3196	262	25	on	on	ADP
fsr-3196	262	26	the	the	DET
fsr-3196	262	27	decision	decision	NOUN
fsr-3196	262	28	to	to	PART
fsr-3196	262	29	voluntarily	voluntarily	ADV
fsr-3196	262	30	lapse	lapse	VERB
fsr-3196	262	31	a	a	DET
fsr-3196	262	32	policy	policy	NOUN
fsr-3196	262	33	.	.	PUNCT
fsr-3196	263	1	the	the	DET
fsr-3196	263	2	first	first	ADJ
fsr-3196	263	3	two	two	NUM
fsr-3196	263	4	regressions	regression	NOUN
fsr-3196	263	5	are	be	AUX
fsr-3196	263	6	shortened	shorten	VERB
fsr-3196	263	7	forms	form	NOUN
fsr-3196	263	8	of	of	ADP
fsr-3196	263	9	the	the	DET
fsr-3196	263	10	model	model	NOUN
fsr-3196	263	11	.	.	PUNCT
fsr-3196	264	1	regression	regression	NOUN
fsr-3196	264	2	1	1	NUM
fsr-3196	264	3	in	in	ADP
fsr-3196	264	4	each	each	DET
fsr-3196	264	5	table	table	NOUN
fsr-3196	264	6	is	be	AUX
fsr-3196	264	7	the	the	DET
fsr-3196	264	8	simplest	simple	ADJ
fsr-3196	264	9	form	form	NOUN
fsr-3196	264	10	of	of	ADP
fsr-3196	264	11	each	each	DET
fsr-3196	264	12	model	model	NOUN
fsr-3196	264	13	where	where	SCONJ
fsr-3196	264	14	we	we	PRON
fsr-3196	264	15	examine	examine	VERB
fsr-3196	264	16	the	the	DET
fsr-3196	264	17	relationship	relationship	NOUN
fsr-3196	264	18	of	of	ADP
fsr-3196	264	19	only	only	ADV
fsr-3196	264	20	our	our	PRON
fsr-3196	264	21	independent	independent	ADJ
fsr-3196	264	22	variable	variable	NOUN
fsr-3196	264	23	of	of	ADP
fsr-3196	264	24	interest	interest	NOUN
fsr-3196	264	25	,	,	PUNCT
fsr-3196	264	26	cognitive	cognitive	ADJ
fsr-3196	264	27	ability	ability	NOUN
fsr-3196	264	28	,	,	PUNCT
fsr-3196	264	29	with	with	ADP
fsr-3196	264	30	the	the	DET
fsr-3196	264	31	decision	decision	NOUN
fsr-3196	264	32	to	to	PART
fsr-3196	264	33	voluntarily	voluntarily	ADV
fsr-3196	264	34	lapse	lapse	VERB
fsr-3196	264	35	a	a	DET
fsr-3196	264	36	policy	policy	NOUN
fsr-3196	264	37	.	.	PUNCT
fsr-3196	265	1	in	in	ADP
fsr-3196	265	2	regression	regression	NOUN
fsr-3196	265	3	2	2	NUM
fsr-3196	265	4	,	,	PUNCT
fsr-3196	265	5	we	we	PRON
fsr-3196	265	6	add	add	VERB
fsr-3196	265	7	variables	variable	NOUN
fsr-3196	265	8	representing	represent	VERB
fsr-3196	265	9	household	household	NOUN
fsr-3196	265	10	economic	economic	ADJ
fsr-3196	265	11	factors	factor	NOUN
fsr-3196	265	12	and	and	CCONJ
fsr-3196	265	13	bequest	bequ	ADJ
fsr-3196	265	14	motives	motive	NOUN
fsr-3196	265	15	from	from	ADP
fsr-3196	265	16	life	life	NOUN
fsr-3196	265	17	insurance	insurance	NOUN
fsr-3196	265	18	theory	theory	NOUN
fsr-3196	265	19	,	,	PUNCT
fsr-3196	265	20	and	and	CCONJ
fsr-3196	265	21	financial	financial	ADJ
fsr-3196	265	22	knowledge	knowledge	NOUN
fsr-3196	265	23	from	from	ADP
fsr-3196	265	24	prior	prior	ADJ
fsr-3196	265	25	literature	literature	NOUN
fsr-3196	265	26	(	(	PUNCT
fsr-3196	265	27	mulholland	mulholland	PROPN
fsr-3196	265	28	et	et	PROPN
fsr-3196	265	29	al	al	PROPN
fsr-3196	265	30	.	.	PROPN
fsr-3196	265	31	,	,	PUNCT
fsr-3196	265	32	2016	2016	NUM
fsr-3196	265	33	)	)	PUNCT
fsr-3196	265	34	.	.	PUNCT
fsr-3196	266	1	regression	regression	NOUN
fsr-3196	266	2	3	3	NUM
fsr-3196	266	3	includes	include	VERB
fsr-3196	266	4	our	our	PRON
fsr-3196	266	5	full	full	ADJ
fsr-3196	266	6	model	model	NOUN
fsr-3196	266	7	with	with	ADP
fsr-3196	266	8	all	all	DET
fsr-3196	266	9	specified	specify	VERB
fsr-3196	266	10	control	control	NOUN
fsr-3196	266	11	variables	variable	NOUN
fsr-3196	266	12	.	.	PUNCT
fsr-3196	267	1	for	for	ADP
fsr-3196	267	2	our	our	PRON
fsr-3196	267	3	variable	variable	NOUN
fsr-3196	267	4	of	of	ADP
fsr-3196	267	5	interest	interest	NOUN
fsr-3196	267	6	,	,	PUNCT
fsr-3196	267	7	cognitive	cognitive	ADJ
fsr-3196	267	8	ability	ability	NOUN
fsr-3196	267	9	,	,	PUNCT
fsr-3196	267	10	we	we	PRON
fsr-3196	267	11	see	see	VERB
fsr-3196	267	12	clear	clear	ADJ
fsr-3196	267	13	differences	difference	NOUN
fsr-3196	267	14	between	between	ADP
fsr-3196	267	15	the	the	DET
fsr-3196	267	16	use	use	NOUN
fsr-3196	267	17	of	of	ADP
fsr-3196	267	18	episodic	episodic	ADJ
fsr-3196	267	19	memory	memory	NOUN
fsr-3196	267	20	and	and	CCONJ
fsr-3196	267	21	numeracy	numeracy	NOUN
fsr-3196	267	22	as	as	ADP
fsr-3196	267	23	the	the	DET
fsr-3196	267	24	measure	measure	NOUN
fsr-3196	267	25	for	for	ADP
fsr-3196	267	26	this	this	DET
fsr-3196	267	27	important	important	ADJ
fsr-3196	267	28	respondent	respondent	NOUN
fsr-3196	267	29	trait	trait	NOUN
fsr-3196	267	30	.	.	PUNCT
fsr-3196	268	1	both	both	DET
fsr-3196	268	2	variables	variable	NOUN
fsr-3196	268	3	in	in	ADP
fsr-3196	268	4	the	the	DET
fsr-3196	268	5	regression	regression	NOUN
fsr-3196	268	6	1	1	NUM
fsr-3196	268	7	analyses	analysis	NOUN
fsr-3196	268	8	show	show	VERB
fsr-3196	268	9	a	a	DET
fsr-3196	268	10	positive	positive	ADJ
fsr-3196	268	11	relation	relation	NOUN
fsr-3196	268	12	between	between	ADP
fsr-3196	268	13	the	the	DET
fsr-3196	268	14	level	level	NOUN
fsr-3196	268	15	of	of	ADP
fsr-3196	268	16	cognitive	cognitive	ADJ
fsr-3196	268	17	table	table	NOUN
fsr-3196	268	18	3	3	NUM
fsr-3196	268	19	(	(	PUNCT
fsr-3196	268	20	continued	continued	ADJ
fsr-3196	268	21	)	)	PUNCT
fsr-3196	268	22	differences	difference	NOUN
fsr-3196	268	23	in	in	ADP
fsr-3196	268	24	means	mean	NOUN
fsr-3196	268	25	of	of	ADP
fsr-3196	268	26	demand	demand	NOUN
fsr-3196	268	27	determinants	determinant	NOUN
fsr-3196	268	28	for	for	ADP
fsr-3196	268	29	individuals	individual	NOUN
fsr-3196	268	30	lapsing	lapse	VERB
fsr-3196	268	31	life	life	NOUN
fsr-3196	268	32	insurance	insurance	NOUN
fsr-3196	268	33	explanatory	explanatory	ADJ
fsr-3196	268	34	variables	variable	NOUN
fsr-3196	268	35	(	(	PUNCT
fsr-3196	268	36	1	1	NUM
fsr-3196	268	37	)	)	PUNCT
fsr-3196	268	38	lapse	lapse	NOUN
fsr-3196	268	39	=	=	SYM
fsr-3196	268	40	0	0	NUM
fsr-3196	269	1	(	(	PUNCT
fsr-3196	269	2	2	2	NUM
fsr-3196	269	3	)	)	PUNCT
fsr-3196	269	4	lapse	lapse	NOUN
fsr-3196	269	5	=	=	SYM
fsr-3196	269	6	1	1	NUM
fsr-3196	269	7	diff	diff	NOUN
fsr-3196	269	8	(	(	PUNCT
fsr-3196	269	9	1	1	NUM
fsr-3196	269	10	)	)	SYM
fsr-3196	269	11	2	2	NUM
fsr-3196	269	12	(	(	PUNCT
fsr-3196	269	13	2	2	NUM
fsr-3196	269	14	)	)	PUNCT
fsr-3196	269	15	health	health	NOUN
fsr-3196	269	16	problems	problem	NOUN
fsr-3196	269	17	zero	zero	NUM
fsr-3196	269	18	problems	problem	NOUN
fsr-3196	269	19	0.1028	0.1028	NUM
fsr-3196	269	20	0.1068	0.1068	NUM
fsr-3196	269	21	�	�	NOUN
fsr-3196	269	22	0.0040	0.0040	NUM
fsr-3196	269	23	one	one	NUM
fsr-3196	269	24	problem	problem	NOUN
fsr-3196	269	25	0.2098	0.2098	NUM
fsr-3196	269	26	0.1979	0.1979	NUM
fsr-3196	269	27	0.0119	0.0119	NUM
fsr-3196	269	28	two	two	NUM
fsr-3196	269	29	problems	problem	NOUN
fsr-3196	269	30	0.2636	0.2636	NUM
fsr-3196	269	31	0.2682	0.2682	NUM
fsr-3196	269	32	�	�	NOUN
fsr-3196	269	33	0.0046	0.0046	NUM
fsr-3196	269	34	three	three	NUM
fsr-3196	269	35	problems	problem	NOUN
fsr-3196	269	36	0.2257	0.2257	NUM
fsr-3196	269	37	0.2318	0.2318	NUM
fsr-3196	269	38	�	�	NOUN
fsr-3196	269	39	0.0061	0.0061	NUM
fsr-3196	269	40	four	four	NUM
fsr-3196	269	41	or	or	CCONJ
fsr-3196	269	42	more	more	ADJ
fsr-3196	269	43	problems	problem	NOUN
fsr-3196	269	44	0.1981	0.1981	NUM
fsr-3196	269	45	0.1953	0.1953	NUM
fsr-3196	269	46	0.0028	0.0028	NUM
fsr-3196	269	47	estate	estate	NOUN
fsr-3196	269	48	tax	tax	NOUN
fsr-3196	269	49	vulnerable	vulnerable	ADJ
fsr-3196	269	50	net	net	ADJ
fsr-3196	269	51	worth	worth	NOUN
fsr-3196	269	52	over	over	ADP
fsr-3196	269	53	current	current	ADJ
fsr-3196	269	54	exemptiona	exemptiona	ADJ
fsr-3196	269	55	0.0072	0.0072	NUM
fsr-3196	269	56	0.0182	0.0182	NUM
fsr-3196	269	57	�	�	NOUN
fsr-3196	269	58	0.0110	0.0110	NUM
fsr-3196	269	59	*	*	NOUN
fsr-3196	269	60	*	*	NOUN
fsr-3196	269	61	shocks	shock	NOUN
fsr-3196	269	62	or	or	CCONJ
fsr-3196	269	63	major	major	ADJ
fsr-3196	269	64	changes	change	NOUN
fsr-3196	269	65	newly	newly	ADV
fsr-3196	269	66	retired	retire	VERB
fsr-3196	269	67	since	since	SCONJ
fsr-3196	269	68	2008	2008	NUM
fsr-3196	269	69	0.1172	0.1172	NUM
fsr-3196	269	70	0.1589	0.1589	NUM
fsr-3196	269	71	�	�	NOUN
fsr-3196	269	72	0.0416	0.0416	NUM
fsr-3196	269	73	*	*	NOUN
fsr-3196	269	74	*	*	PUNCT
fsr-3196	269	75	income	income	NOUN
fsr-3196	269	76	shock	shock	NOUN
fsr-3196	269	77	(	(	PUNCT
fsr-3196	269	78	decline	decline	NOUN
fsr-3196	269	79	)	)	PUNCT
fsr-3196	269	80	of	of	ADP
fsr-3196	269	81	>	>	SYM
fsr-3196	269	82	10	10	NUM
fsr-3196	269	83	%	%	NOUN
fsr-3196	269	84	compared	compare	VERB
fsr-3196	269	85	with	with	ADP
fsr-3196	269	86	2008	2008	NUM
fsr-3196	269	87	0.4033	0.4033	NUM
fsr-3196	269	88	0.4271	0.4271	NUM
fsr-3196	269	89	�	�	NOUN
fsr-3196	269	90	0.0238	0.0238	NUM
fsr-3196	269	91	additional	additional	ADJ
fsr-3196	269	92	kids	kid	NOUN
fsr-3196	269	93	residing	reside	VERB
fsr-3196	269	94	at	at	ADP
fsr-3196	269	95	home	home	NOUN
fsr-3196	269	96	since	since	SCONJ
fsr-3196	269	97	2008	2008	NUM
fsr-3196	269	98	0.0487	0.0487	NUM
fsr-3196	269	99	0.0781	0.0781	NUM
fsr-3196	269	100	�	�	NOUN
fsr-3196	269	101	0.0294	0.0294	NUM
fsr-3196	269	102	*	*	PUNCT
fsr-3196	269	103	*	*	PUNCT
fsr-3196	269	104	*	*	PUNCT
fsr-3196	269	105	marriage	marriage	NOUN
fsr-3196	269	106	ended	end	VERB
fsr-3196	269	107	since	since	SCONJ
fsr-3196	269	108	last	last	ADJ
fsr-3196	269	109	wave	wave	NOUN
fsr-3196	269	110	0.0414	0.0414	NUM
fsr-3196	269	111	0.0521	0.0521	NUM
fsr-3196	269	112	�	�	NUM
fsr-3196	269	113	0.0107	0.0107	NUM
fsr-3196	269	114	health	health	NOUN
fsr-3196	269	115	shock	shock	NOUN
fsr-3196	269	116	(	(	PUNCT
fsr-3196	269	117	2	2	NUM
fsr-3196	269	118	+	+	CCONJ
fsr-3196	269	119	additional	additional	ADJ
fsr-3196	269	120	health	health	NOUN
fsr-3196	269	121	issues	issue	NOUN
fsr-3196	269	122	)	)	PUNCT
fsr-3196	269	123	since	since	SCONJ
fsr-3196	269	124	last	last	ADJ
fsr-3196	269	125	wave	wave	NOUN
fsr-3196	269	126	0.0314	0.0314	NUM
fsr-3196	269	127	0.0313	0.0313	NUM
fsr-3196	269	128	0.0001	0.0001	NUM
fsr-3196	269	129	note	note	NOUN
fsr-3196	269	130	.	.	PUNCT
fsr-3196	270	1	data	datum	NOUN
fsr-3196	270	2	from	from	ADP
fsr-3196	270	3	the	the	DET
fsr-3196	270	4	2010	2010	NUM
fsr-3196	270	5	health	health	NOUN
fsr-3196	270	6	and	and	CCONJ
fsr-3196	270	7	retirement	retirement	NOUN
fsr-3196	270	8	study	study	NOUN
fsr-3196	270	9	.	.	PUNCT
fsr-3196	271	1	a	a	DET
fsr-3196	271	2	t	t	PROPN
fsr-3196	271	3	test	test	NOUN
fsr-3196	271	4	is	be	AUX
fsr-3196	271	5	used	use	VERB
fsr-3196	271	6	for	for	ADP
fsr-3196	271	7	difference	difference	NOUN
fsr-3196	271	8	of	of	ADP
fsr-3196	271	9	means	mean	NOUN
fsr-3196	271	10	of	of	ADP
fsr-3196	271	11	the	the	DET
fsr-3196	271	12	variables	variable	NOUN
fsr-3196	271	13	.	.	PUNCT
fsr-3196	272	1	statistical	statistical	ADJ
fsr-3196	272	2	significance	significance	NOUN
fsr-3196	272	3	at	at	ADP
fsr-3196	272	4	0.10	0.10	NUM
fsr-3196	272	5	,	,	PUNCT
fsr-3196	272	6	0.05	0.05	NUM
fsr-3196	272	7	,	,	PUNCT
fsr-3196	272	8	and	and	CCONJ
fsr-3196	272	9	0.01	0.01	NUM
fsr-3196	272	10	levels	level	NOUN
fsr-3196	272	11	is	be	AUX
fsr-3196	272	12	denoted	denote	VERB
fsr-3196	272	13	by	by	ADP
fsr-3196	272	14	*	*	NOUN
fsr-3196	272	15	,	,	PUNCT
fsr-3196	272	16	*	*	PUNCT
fsr-3196	272	17	*	*	PUNCT
fsr-3196	272	18	,	,	PUNCT
fsr-3196	272	19	and	and	CCONJ
fsr-3196	273	1	*	*	PUNCT
fsr-3196	273	2	*	*	PUNCT
fsr-3196	273	3	*	*	PUNCT
fsr-3196	273	4	,	,	PUNCT
fsr-3196	273	5	respectively	respectively	ADV
fsr-3196	273	6	.	.	PUNCT
fsr-3196	274	1	a2010	a2010	ADJ
fsr-3196	274	2	exemption	exemption	NOUN
fsr-3196	274	3	was	be	AUX
fsr-3196	274	4	$	$	SYM
fsr-3196	274	5	0	0	NUM
fsr-3196	274	6	but	but	CCONJ
fsr-3196	274	7	was	be	AUX
fsr-3196	274	8	retroactively	retroactively	ADV
fsr-3196	274	9	changed	change	VERB
fsr-3196	274	10	to	to	PART
fsr-3196	274	11	allow	allow	VERB
fsr-3196	274	12	an	an	DET
fsr-3196	274	13	election	election	NOUN
fsr-3196	274	14	of	of	ADP
fsr-3196	274	15	$	$	SYM
fsr-3196	274	16	5,000,000	5,000,000	NUM
fsr-3196	274	17	.	.	PUNCT
fsr-3196	275	1	this	this	DET
fsr-3196	275	2	variable	variable	NOUN
fsr-3196	275	3	set	set	VERB
fsr-3196	275	4	at	at	ADP
fsr-3196	275	5	$	$	SYM
fsr-3196	275	6	5,000,000	5,000,000	NUM
fsr-3196	275	7	.	.	PUNCT
fsr-3196	276	1	86	86	NUM
fsr-3196	276	2	b.	b.	PROPN
fsr-3196	276	3	s.	s.	PROPN
fsr-3196	276	4	mulholland	mulholland	PROPN
fsr-3196	276	5	and	and	CCONJ
fsr-3196	276	6	m.	m.	PROPN
fsr-3196	276	7	s.	s.	PROPN
fsr-3196	276	8	finke	finke	PROPN
fsr-3196	276	9	/	/	SYM
fsr-3196	276	10	financial	financial	ADJ
fsr-3196	276	11	services	service	NOUN
fsr-3196	276	12	review	review	VERB
fsr-3196	276	13	31	31	NUM
fsr-3196	276	14	(	(	PUNCT
fsr-3196	276	15	2023	2023	NUM
fsr-3196	276	16	)	)	PUNCT
fsr-3196	277	1	73–96	73–96	NUM
fsr-3196	277	2	t	t	PROPN
fsr-3196	277	3	ab	ab	X
fsr-3196	277	4	le	le	ADP
fsr-3196	277	5	4	4	NUM
fsr-3196	277	6	a	a	DET
fsr-3196	277	7	l	l	NOUN
fsr-3196	277	8	o	o	NOUN
fsr-3196	277	9	g	g	NOUN
fsr-3196	277	10	is	be	AUX
fsr-3196	277	11	ti	ti	X
fsr-3196	277	12	c	c	NOUN
fsr-3196	277	13	re	re	ADP
fsr-3196	277	14	g	g	PROPN
fsr-3196	277	15	re	re	ADP
fsr-3196	277	16	ss	ss	PROPN
fsr-3196	277	17	io	io	PROPN
fsr-3196	277	18	n	n	PROPN
fsr-3196	277	19	s	s	PROPN
fsr-3196	277	20	—	—	PUNCT
fsr-3196	277	21	co	co	VERB
fsr-3196	277	22	g	g	NOUN
fsr-3196	277	23	n	n	PROPN
fsr-3196	277	24	it	it	PRON
fsr-3196	277	25	iv	iv	NUM
fsr-3196	278	1	e	e	X
fsr-3196	278	2	ab	ab	PROPN
fsr-3196	278	3	il	il	PROPN
fsr-3196	278	4	it	it	PRON
fsr-3196	279	1	y	y	PROPN
fsr-3196	279	2	m	m	VERB
fsr-3196	279	3	ea	ea	PROPN
fsr-3196	279	4	su	su	PROPN
fsr-3196	279	5	re	re	PROPN
fsr-3196	279	6	d	d	PROPN
fsr-3196	279	7	w	w	VERB
fsr-3196	279	8	it	it	PRON
fsr-3196	279	9	h	h	NOUN
fsr-3196	279	10	ep	ep	PROPN
fsr-3196	279	11	is	be	AUX
fsr-3196	279	12	o	o	PROPN
fsr-3196	280	1	d	d	X
fsr-3196	281	1	ic	ic	INTJ
fsr-3196	281	2	m	m	VERB
fsr-3196	281	3	em	em	PRON
fsr-3196	281	4	o	o	X
fsr-3196	282	1	ry	ry	INTJ
fsr-3196	282	2	w	w	NOUN
fsr-3196	282	3	av	av	PROPN
fsr-3196	282	4	e	e	PROPN
fsr-3196	282	5	1	1	NUM
fsr-3196	282	6	0	0	NUM
fsr-3196	282	7	–	–	PUNCT
fsr-3196	282	8	2	2	NUM
fsr-3196	282	9	0	0	NUM
fsr-3196	282	10	1	1	NUM
fsr-3196	282	11	0	0	NUM
fsr-3196	282	12	n	n	NOUN
fsr-3196	282	13	=	=	SYM
fsr-3196	282	14	8	8	NUM
fsr-3196	282	15	,	,	PUNCT
fsr-3196	282	16	7	7	NUM
fsr-3196	282	17	9	9	NUM
fsr-3196	282	18	5	5	NUM
fsr-3196	282	19	3	3	NUM
fsr-3196	282	20	8	8	NUM
fsr-3196	282	21	4	4	NUM
fsr-3196	282	22	re	re	ADP
fsr-3196	282	23	sp	sp	ADP
fsr-3196	282	24	o	o	PROPN
fsr-3196	282	25	n	n	PROPN
fsr-3196	282	26	d	d	X
fsr-3196	282	27	en	en	X
fsr-3196	282	28	ts	ts	X
fsr-3196	282	29	re	re	PROPN
fsr-3196	282	30	p	p	NOUN
fsr-3196	282	31	o	o	X
fsr-3196	282	32	rt	rt	INTJ
fsr-3196	282	33	ed	ed	NOUN
fsr-3196	282	34	la	la	PROPN
fsr-3196	283	1	p	p	PROPN
fsr-3196	283	2	se	se	PROPN
fsr-3196	284	1	d	d	PROPN
fsr-3196	284	2	ep	ep	PROPN
fsr-3196	284	3	en	en	PROPN
fsr-3196	284	4	d	d	PROPN
fsr-3196	284	5	en	en	PROPN
fsr-3196	284	6	t	t	PROPN
fsr-3196	284	7	v	v	PROPN
fsr-3196	284	8	ar	ar	PROPN
fsr-3196	284	9	ia	ia	PROPN
fsr-3196	284	10	b	b	PROPN
fsr-3196	284	11	le	le	X
fsr-3196	284	12	:	:	PUNCT
fsr-3196	284	13	la	la	PROPN
fsr-3196	284	14	p	p	X
fsr-3196	284	15	se	se	X
fsr-3196	284	16	=	=	SYM
fsr-3196	284	17	1	1	NUM
fsr-3196	284	18	r	r	NOUN
fsr-3196	284	19	eg	eg	NOUN
fsr-3196	284	20	1	1	NUM
fsr-3196	284	21	r	r	NOUN
fsr-3196	284	22	eg	eg	NOUN
fsr-3196	284	23	2	2	NUM
fsr-3196	284	24	r	r	NOUN
fsr-3196	284	25	eg	eg	NOUN
fsr-3196	284	26	3	3	NUM
fsr-3196	284	27	o	o	NOUN
fsr-3196	284	28	d	d	X
fsr-3196	284	29	d	d	X
fsr-3196	284	30	s	s	VERB
fsr-3196	284	31	ra	ra	NOUN
fsr-3196	284	32	ti	ti	NOUN
fsr-3196	284	33	o	o	NOUN
fsr-3196	284	34	p	p	X
fsr-3196	284	35	r	r	X
fsr-3196	284	36	>	>	X
fsr-3196	284	37	v	v	NUM
fsr-3196	284	38	2	2	NUM
fsr-3196	284	39	o	o	NOUN
fsr-3196	285	1	d	d	X
fsr-3196	285	2	d	d	X
fsr-3196	285	3	s	s	VERB
fsr-3196	285	4	ra	ra	NOUN
fsr-3196	285	5	ti	ti	NOUN
fsr-3196	285	6	o	o	NOUN
fsr-3196	285	7	p	p	X
fsr-3196	285	8	r	r	X
fsr-3196	285	9	>	>	X
fsr-3196	285	10	v	v	NUM
fsr-3196	285	11	2	2	NUM
fsr-3196	285	12	o	o	NOUN
fsr-3196	286	1	d	d	X
fsr-3196	286	2	d	d	X
fsr-3196	286	3	s	s	VERB
fsr-3196	286	4	ra	ra	NOUN
fsr-3196	286	5	ti	ti	NOUN
fsr-3196	286	6	o	o	NOUN
fsr-3196	286	7	p	p	X
fsr-3196	286	8	r	r	X
fsr-3196	286	9	>	>	X
fsr-3196	286	10	v	v	ADP
fsr-3196	286	11	2	2	NUM
fsr-3196	286	12	in	in	ADP
fsr-3196	286	13	te	te	PROPN
fsr-3196	286	14	rc	rc	PROPN
fsr-3196	286	15	ep	ep	PROPN
fsr-3196	286	16	t	t	PROPN
fsr-3196	286	17	�	�	PROPN
fsr-3196	286	18	3	3	NUM
fsr-3196	286	19	.2	.2	NUM
fsr-3196	286	20	5	5	NUM
fsr-3196	286	21	5	5	NUM
fsr-3196	286	22	<	<	X
fsr-3196	286	23	.0	.0	NUM
fsr-3196	286	24	0	0	NUM
fsr-3196	286	25	0	0	NUM
fsr-3196	286	26	1	1	NUM
fsr-3196	287	1	*	*	PUNCT
fsr-3196	287	2	*	*	PUNCT
fsr-3196	287	3	*	*	PUNCT
fsr-3196	287	4	�	�	PROPN
fsr-3196	287	5	3	3	NUM
fsr-3196	287	6	.2	.2	NUM
fsr-3196	287	7	6	6	NUM
fsr-3196	287	8	6	6	NUM
fsr-3196	287	9	<	<	X
fsr-3196	287	10	.0	.0	NUM
fsr-3196	287	11	0	0	NUM
fsr-3196	287	12	0	0	NUM
fsr-3196	287	13	1	1	NUM
fsr-3196	287	14	*	*	PUNCT
fsr-3196	287	15	*	*	PUNCT
fsr-3196	287	16	*	*	PUNCT
fsr-3196	287	17	�	�	PROPN
fsr-3196	287	18	3	3	NUM
fsr-3196	287	19	.4	.4	NUM
fsr-3196	287	20	4	4	NUM
fsr-3196	287	21	6	6	NUM
fsr-3196	287	22	<	<	X
fsr-3196	287	23	.0	.0	NUM
fsr-3196	287	24	0	0	NUM
fsr-3196	287	25	0	0	NUM
fsr-3196	287	26	1	1	NUM
fsr-3196	287	27	*	*	PUNCT
fsr-3196	288	1	*	*	PUNCT
fsr-3196	288	2	*	*	PUNCT
fsr-3196	288	3	e	e	X
fsr-3196	288	4	xp	xp	X
fsr-3196	288	5	la	la	INTJ
fsr-3196	288	6	na	na	X
fsr-3196	288	7	to	to	PART
fsr-3196	288	8	ry	ry	PROPN
fsr-3196	288	9	va	va	PROPN
fsr-3196	288	10	ri	ri	PROPN
fsr-3196	288	11	ab	ab	PROPN
fsr-3196	288	12	le	le	PROPN
fsr-3196	288	13	s	s	PROPN
fsr-3196	288	14	c	c	NOUN
fsr-3196	288	15	o	o	NOUN
fsr-3196	288	16	g	g	NOUN
fsr-3196	289	1	n	n	X
fsr-3196	289	2	it	it	PRON
fsr-3196	289	3	iv	iv	NUM
fsr-3196	289	4	e	e	X
fsr-3196	289	5	a	a	PRON
fsr-3196	289	6	b	b	X
fsr-3196	289	7	il	il	ADP
fsr-3196	289	8	it	it	PRON
fsr-3196	289	9	y	y	NOUN
fsr-3196	289	10	:	:	PUNCT
fsr-3196	290	1	e	e	X
fsr-3196	290	2	p	p	NOUN
fsr-3196	290	3	is	be	AUX
fsr-3196	290	4	o	o	PROPN
fsr-3196	291	1	d	d	X
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fsr-3196	322	1	f	f	X
fsr-3196	322	2	in	in	ADP
fsr-3196	322	3	a	a	DET
fsr-3196	322	4	n	n	X
fsr-3196	322	5	ci	ci	NOUN
fsr-3196	322	6	a	a	DET
fsr-3196	322	7	l	l	NOUN
fsr-3196	322	8	kn	kn	NOUN
fsr-3196	322	9	o	o	X
fsr-3196	322	10	w	w	X
fsr-3196	322	11	le	le	PROPN
fsr-3196	322	12	d	d	X
fsr-3196	322	13	g	g	PROPN
fsr-3196	322	14	e	e	PROPN
fsr-3196	322	15	f	f	PROPN
fsr-3196	322	16	in	in	ADP
fsr-3196	322	17	an	an	DET
fsr-3196	322	18	ci	ci	PROPN
fsr-3196	322	19	al	al	PROPN
fsr-3196	322	20	re	re	PROPN
fsr-3196	322	21	sp	sp	ADP
fsr-3196	322	22	o	o	PROPN
fsr-3196	322	23	n	n	PROPN
fsr-3196	322	24	d	d	X
fsr-3196	322	25	en	en	X
fsr-3196	322	26	t	t	PROPN
fsr-3196	322	27	1	1	NUM
fsr-3196	322	28	.0	.0	NUM
fsr-3196	322	29	6	6	NUM
fsr-3196	322	30	3	3	NUM
fsr-3196	322	31	0	0	NUM
fsr-3196	323	1	.6	.6	NUM
fsr-3196	323	2	2	2	NUM
fsr-3196	323	3	5	5	NUM
fsr-3196	323	4	0	0	NUM
fsr-3196	323	5	0	0	NUM
fsr-3196	324	1	.9	.9	NUM
fsr-3196	324	2	8	8	NUM
fsr-3196	324	3	5	5	NUM
fsr-3196	324	4	0	0	NUM
fsr-3196	325	1	.9	.9	NUM
fsr-3196	325	2	0	0	NUM
fsr-3196	325	3	7	7	NUM
fsr-3196	325	4	9	9	NUM
fsr-3196	325	5	b	b	NOUN
fsr-3196	325	6	eq	eq	NOUN
fsr-3196	325	7	u	u	PROPN
fsr-3196	325	8	es	es	X
fsr-3196	325	9	t	t	X
fsr-3196	325	10	fa	fa	INTJ
fsr-3196	326	1	ct	ct	NUM
fsr-3196	326	2	o	o	INTJ
fsr-3196	326	3	rs	rs	PROPN
fsr-3196	326	4	m	m	PROPN
fsr-3196	326	5	ar	ar	PROPN
fsr-3196	326	6	ri	ri	PROPN
fsr-3196	326	7	ed	ed	PROPN
fsr-3196	326	8	1	1	NUM
fsr-3196	326	9	.0	.0	NUM
fsr-3196	326	10	4	4	NUM
fsr-3196	326	11	2	2	NUM
fsr-3196	326	12	0	0	NUM
fsr-3196	326	13	.7	.7	NUM
fsr-3196	326	14	6	6	NUM
fsr-3196	326	15	2	2	NUM
fsr-3196	326	16	5	5	NUM
fsr-3196	326	17	1	1	NUM
fsr-3196	326	18	.0	.0	NUM
fsr-3196	326	19	1	1	NUM
fsr-3196	326	20	8	8	NUM
fsr-3196	326	21	0	0	NUM
fsr-3196	326	22	.9	.9	NUM
fsr-3196	326	23	0	0	NUM
fsr-3196	326	24	3	3	NUM
fsr-3196	326	25	6	6	NUM
fsr-3196	326	26	h	h	NOUN
fsr-3196	326	27	as	as	ADP
fsr-3196	326	28	li	li	PROPN
fsr-3196	326	29	v	v	PROPN
fsr-3196	326	30	in	in	ADP
fsr-3196	326	31	g	g	PROPN
fsr-3196	326	32	ch	ch	PROPN
fsr-3196	326	33	il	il	PROPN
fsr-3196	326	34	d	d	PROPN
fsr-3196	326	35	re	re	ADP
fsr-3196	326	36	n	n	PROPN
fsr-3196	326	37	0	0	NUM
fsr-3196	326	38	.9	.9	NUM
fsr-3196	326	39	8	8	NUM
fsr-3196	326	40	4	4	NUM
fsr-3196	326	41	0	0	NUM
fsr-3196	326	42	.9	.9	NUM
fsr-3196	326	43	3	3	NUM
fsr-3196	326	44	6	6	NUM
fsr-3196	326	45	5	5	NUM
fsr-3196	326	46	0	0	NUM
fsr-3196	326	47	.9	.9	NUM
fsr-3196	326	48	5	5	NUM
fsr-3196	326	49	9	9	NUM
fsr-3196	326	50	0	0	NUM
fsr-3196	326	51	.8	.8	NUM
fsr-3196	326	52	3	3	NUM
fsr-3196	326	53	8	8	NUM
fsr-3196	326	54	0	0	NUM
fsr-3196	327	1	d	d	NOUN
fsr-3196	327	2	em	em	PRON
fsr-3196	328	1	o	o	INTJ
fsr-3196	329	1	g	g	NOUN
fsr-3196	329	2	ra	ra	PROPN
fsr-3196	330	1	p	p	NOUN
fsr-3196	330	2	h	h	NOUN
fsr-3196	331	1	ic	ic	INTJ
fsr-3196	331	2	fa	fa	INTJ
fsr-3196	332	1	ct	ct	NUM
fsr-3196	332	2	o	o	INTJ
fsr-3196	332	3	rs	rs	NOUN
fsr-3196	332	4	a	a	DET
fsr-3196	332	5	g	g	NOUN
fsr-3196	332	6	e	e	NOUN
fsr-3196	332	7	in	in	ADP
fsr-3196	332	8	2	2	NUM
fsr-3196	332	9	0	0	NUM
fsr-3196	332	10	1	1	NUM
fsr-3196	332	11	0	0	NUM
fsr-3196	333	1	(	(	PUNCT
fsr-3196	333	2	r	r	NOUN
fsr-3196	333	3	ef	ef	PROPN
fsr-3196	333	4	=	=	PUNCT
fsr-3196	333	5	ag	ag	PROPN
fsr-3196	333	6	es	es	ADP
fsr-3196	333	7	6	6	NUM
fsr-3196	333	8	0	0	NUM
fsr-3196	333	9	to	to	ADP
fsr-3196	333	10	6	6	NUM
fsr-3196	333	11	4	4	NUM
fsr-3196	333	12	)	)	PUNCT
fsr-3196	333	13	l	l	NOUN
fsr-3196	333	14	es	es	X
fsr-3196	333	15	s	s	X
fsr-3196	333	16	th	th	X
fsr-3196	333	17	an	an	DET
fsr-3196	333	18	6	6	NUM
fsr-3196	333	19	0	0	NUM
fsr-3196	333	20	0	0	NUM
fsr-3196	333	21	.8	.8	NUM
fsr-3196	333	22	5	5	NUM
fsr-3196	333	23	1	1	NUM
fsr-3196	333	24	0	0	NUM
fsr-3196	333	25	.3	.3	NUM
fsr-3196	333	26	4	4	NUM
fsr-3196	333	27	5	5	NUM
fsr-3196	333	28	1	1	NUM
fsr-3196	333	29	6	6	NUM
fsr-3196	333	30	5	5	NUM
fsr-3196	333	31	to	to	PART
fsr-3196	333	32	6	6	NUM
fsr-3196	333	33	9	9	NUM
fsr-3196	333	34	0	0	NUM
fsr-3196	333	35	.7	.7	NUM
fsr-3196	333	36	8	8	NUM
fsr-3196	333	37	1	1	NUM
fsr-3196	333	38	0	0	NUM
fsr-3196	333	39	.1	.1	NUM
fsr-3196	333	40	6	6	NUM
fsr-3196	333	41	5	5	NUM
fsr-3196	333	42	1	1	NUM
fsr-3196	333	43	7	7	NUM
fsr-3196	333	44	0	0	NUM
fsr-3196	333	45	to	to	ADP
fsr-3196	333	46	7	7	NUM
fsr-3196	333	47	4	4	NUM
fsr-3196	333	48	0	0	NUM
fsr-3196	333	49	.9	.9	NUM
fsr-3196	333	50	2	2	NUM
fsr-3196	333	51	0	0	NUM
fsr-3196	333	52	0	0	NUM
fsr-3196	334	1	.6	.6	NUM
fsr-3196	334	2	1	1	NUM
fsr-3196	334	3	7	7	NUM
fsr-3196	334	4	4	4	NUM
fsr-3196	334	5	(	(	PUNCT
fsr-3196	334	6	c	c	NOUN
fsr-3196	334	7	o	o	NOUN
fsr-3196	334	8	n	n	CCONJ
fsr-3196	334	9	ti	ti	NOUN
fsr-3196	334	10	n	n	CCONJ
fsr-3196	334	11	u	u	NOUN
fsr-3196	334	12	ed	ed	NOUN
fsr-3196	334	13	o	o	PROPN
fsr-3196	334	14	n	n	CCONJ
fsr-3196	334	15	n	n	NOUN
fsr-3196	334	16	ex	ex	ADJ
fsr-3196	334	17	t	t	NOUN
fsr-3196	334	18	p	p	X
fsr-3196	334	19	a	a	DET
fsr-3196	334	20	g	g	PROPN
fsr-3196	334	21	e	e	NOUN
fsr-3196	334	22	)	)	PUNCT
fsr-3196	334	23	b.	b.	PROPN
fsr-3196	334	24	s.	s.	PROPN
fsr-3196	334	25	mulholland	mulholland	PROPN
fsr-3196	334	26	and	and	CCONJ
fsr-3196	334	27	m.	m.	PROPN
fsr-3196	334	28	s.	s.	PROPN
fsr-3196	334	29	finke	finke	PROPN
fsr-3196	334	30	/	/	SYM
fsr-3196	334	31	financial	financial	ADJ
fsr-3196	334	32	services	service	NOUN
fsr-3196	334	33	review	review	VERB
fsr-3196	334	34	31	31	NUM
fsr-3196	334	35	(	(	PUNCT
fsr-3196	334	36	2023	2023	NUM
fsr-3196	334	37	)	)	PUNCT
fsr-3196	335	1	73–96	73–96	NUM
fsr-3196	335	2	87	87	NUM
fsr-3196	335	3	t	t	PROPN
fsr-3196	335	4	ab	ab	PROPN
fsr-3196	335	5	le	le	ADP
fsr-3196	335	6	4	4	NUM
fsr-3196	335	7	a	a	PRON
fsr-3196	335	8	(	(	PUNCT
fsr-3196	335	9	c	c	NOUN
fsr-3196	335	10	o	o	NOUN
fsr-3196	335	11	n	n	CCONJ
fsr-3196	335	12	ti	ti	NOUN
fsr-3196	335	13	n	n	CCONJ
fsr-3196	335	14	u	u	NOUN
fsr-3196	335	15	ed	ed	NOUN
fsr-3196	335	16	)	)	PUNCT
fsr-3196	336	1	w	w	NOUN
fsr-3196	336	2	av	av	NOUN
fsr-3196	336	3	e	e	NOUN
fsr-3196	336	4	1	1	NUM
fsr-3196	336	5	0	0	NUM
fsr-3196	336	6	–	–	PUNCT
fsr-3196	336	7	2	2	NUM
fsr-3196	336	8	0	0	NUM
fsr-3196	336	9	1	1	NUM
fsr-3196	336	10	0	0	NUM
fsr-3196	336	11	n	n	NOUN
fsr-3196	336	12	=	=	SYM
fsr-3196	336	13	8	8	NUM
fsr-3196	336	14	,	,	PUNCT
fsr-3196	336	15	7	7	NUM
fsr-3196	336	16	9	9	NUM
fsr-3196	336	17	5	5	NUM
fsr-3196	336	18	3	3	NUM
fsr-3196	336	19	8	8	NUM
fsr-3196	336	20	4	4	NUM
fsr-3196	336	21	re	re	ADP
fsr-3196	336	22	sp	sp	ADP
fsr-3196	336	23	o	o	PROPN
fsr-3196	336	24	n	n	PROPN
fsr-3196	336	25	d	d	X
fsr-3196	336	26	en	en	X
fsr-3196	336	27	ts	ts	X
fsr-3196	336	28	re	re	PROPN
fsr-3196	336	29	p	p	NOUN
fsr-3196	336	30	o	o	X
fsr-3196	336	31	rt	rt	INTJ
fsr-3196	336	32	ed	ed	NOUN
fsr-3196	336	33	la	la	PROPN
fsr-3196	337	1	p	p	PROPN
fsr-3196	337	2	se	se	PROPN
fsr-3196	338	1	d	d	PROPN
fsr-3196	338	2	ep	ep	PROPN
fsr-3196	338	3	en	en	PROPN
fsr-3196	338	4	d	d	PROPN
fsr-3196	338	5	en	en	PROPN
fsr-3196	338	6	t	t	PROPN
fsr-3196	338	7	v	v	PROPN
fsr-3196	338	8	ar	ar	PROPN
fsr-3196	338	9	ia	ia	PROPN
fsr-3196	338	10	b	b	PROPN
fsr-3196	338	11	le	le	X
fsr-3196	338	12	:	:	PUNCT
fsr-3196	338	13	la	la	PROPN
fsr-3196	338	14	p	p	X
fsr-3196	338	15	se	se	X
fsr-3196	338	16	=	=	SYM
fsr-3196	338	17	1	1	NUM
fsr-3196	338	18	r	r	NOUN
fsr-3196	338	19	eg	eg	NOUN
fsr-3196	338	20	1	1	NUM
fsr-3196	338	21	r	r	NOUN
fsr-3196	338	22	eg	eg	NOUN
fsr-3196	338	23	2	2	NUM
fsr-3196	338	24	r	r	NOUN
fsr-3196	338	25	eg	eg	NOUN
fsr-3196	338	26	3	3	NUM
fsr-3196	338	27	o	o	NOUN
fsr-3196	338	28	d	d	X
fsr-3196	338	29	d	d	X
fsr-3196	338	30	s	s	VERB
fsr-3196	338	31	ra	ra	NOUN
fsr-3196	338	32	ti	ti	NOUN
fsr-3196	338	33	o	o	NOUN
fsr-3196	338	34	p	p	X
fsr-3196	338	35	r	r	X
fsr-3196	338	36	>	>	X
fsr-3196	338	37	v	v	NUM
fsr-3196	338	38	2	2	NUM
fsr-3196	338	39	o	o	NOUN
fsr-3196	339	1	d	d	X
fsr-3196	339	2	d	d	X
fsr-3196	339	3	s	s	VERB
fsr-3196	339	4	ra	ra	NOUN
fsr-3196	339	5	ti	ti	NOUN
fsr-3196	339	6	o	o	NOUN
fsr-3196	339	7	p	p	X
fsr-3196	339	8	r	r	X
fsr-3196	339	9	>	>	X
fsr-3196	339	10	v	v	NUM
fsr-3196	339	11	2	2	NUM
fsr-3196	339	12	o	o	NOUN
fsr-3196	340	1	d	d	X
fsr-3196	340	2	d	d	X
fsr-3196	340	3	s	s	VERB
fsr-3196	340	4	ra	ra	NOUN
fsr-3196	340	5	ti	ti	NOUN
fsr-3196	340	6	o	o	NOUN
fsr-3196	340	7	p	p	X
fsr-3196	340	8	r	r	X
fsr-3196	340	9	>	>	X
fsr-3196	340	10	v	v	NUM
fsr-3196	340	11	2	2	NUM
fsr-3196	340	12	7	7	NUM
fsr-3196	340	13	5	5	NUM
fsr-3196	340	14	to	to	PART
fsr-3196	340	15	7	7	NUM
fsr-3196	340	16	9	9	NUM
fsr-3196	340	17	0	0	NUM
fsr-3196	340	18	.7	.7	NUM
fsr-3196	340	19	3	3	NUM
fsr-3196	340	20	0	0	NUM
fsr-3196	340	21	0	0	NUM
fsr-3196	340	22	.1	.1	NUM
fsr-3196	340	23	1	1	NUM
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fsr-3196	340	25	8	8	NUM
fsr-3196	340	26	8	8	NUM
fsr-3196	340	27	0	0	NUM
fsr-3196	340	28	an	an	PRON
fsr-3196	340	29	d	d	NOUN
fsr-3196	340	30	h	h	NOUN
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fsr-3196	341	2	h	h	NOUN
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fsr-3196	341	4	0	0	NUM
fsr-3196	342	1	.7	.7	NUM
fsr-3196	342	2	2	2	NUM
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fsr-3196	342	4	0	0	NUM
fsr-3196	343	1	.1	.1	NUM
fsr-3196	343	2	1	1	NUM
fsr-3196	343	3	9	9	NUM
fsr-3196	343	4	3	3	NUM
fsr-3196	343	5	m	m	NOUN
fsr-3196	343	6	al	al	PROPN
fsr-3196	343	7	e	e	PROPN
fsr-3196	343	8	(	(	PUNCT
fsr-3196	343	9	r	r	NOUN
fsr-3196	343	10	ef	ef	PROPN
fsr-3196	343	11	=	=	SYM
fsr-3196	343	12	fe	fe	X
fsr-3196	343	13	m	m	PROPN
fsr-3196	343	14	al	al	PROPN
fsr-3196	343	15	e	e	PROPN
fsr-3196	343	16	)	)	PUNCT
fsr-3196	343	17	1	1	NUM
fsr-3196	343	18	.2	.2	NUM
fsr-3196	343	19	4	4	NUM
fsr-3196	343	20	8	8	NUM
fsr-3196	343	21	0	0	NUM
fsr-3196	343	22	.0	.0	NUM
fsr-3196	343	23	5	5	NUM
fsr-3196	343	24	3	3	NUM
fsr-3196	343	25	3	3	NUM
fsr-3196	343	26	*	*	PUNCT
fsr-3196	343	27	r	r	NOUN
fsr-3196	343	28	ac	ac	NOUN
fsr-3196	343	29	e	e	PROPN
fsr-3196	343	30	(	(	PUNCT
fsr-3196	343	31	r	r	NOUN
fsr-3196	343	32	ef	ef	PROPN
fsr-3196	343	33	=	=	PUNCT
fsr-3196	343	34	w	w	PROPN
fsr-3196	343	35	h	h	NOUN
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fsr-3196	343	37	e	e	NOUN
fsr-3196	343	38	)	)	PUNCT
fsr-3196	343	39	b	b	PROPN
fsr-3196	343	40	la	la	ADV
fsr-3196	343	41	ck	ck	PROPN
fsr-3196	344	1	1	1	NUM
fsr-3196	344	2	.2	.2	NUM
fsr-3196	344	3	6	6	NUM
fsr-3196	344	4	1	1	NUM
fsr-3196	344	5	0	0	NUM
fsr-3196	344	6	.1	.1	NUM
fsr-3196	344	7	0	0	NUM
fsr-3196	344	8	8	8	NUM
fsr-3196	344	9	3	3	NUM
fsr-3196	344	10	o	o	NOUN
fsr-3196	344	11	th	th	INTJ
fsr-3196	344	12	er	er	INTJ
fsr-3196	344	13	0	0	NUM
fsr-3196	344	14	.7	.7	NUM
fsr-3196	344	15	5	5	NUM
fsr-3196	344	16	8	8	NUM
fsr-3196	344	17	0	0	NUM
fsr-3196	344	18	.4	.4	NUM
fsr-3196	344	19	8	8	NUM
fsr-3196	344	20	0	0	NUM
fsr-3196	344	21	1	1	NUM
fsr-3196	344	22	e	e	NOUN
fsr-3196	344	23	d	d	X
fsr-3196	344	24	u	u	PRON
fsr-3196	344	25	ca	can	AUX
fsr-3196	344	26	ti	ti	NOUN
fsr-3196	344	27	o	o	NOUN
fsr-3196	344	28	n	n	PROPN
fsr-3196	344	29	(	(	PUNCT
fsr-3196	344	30	r	r	NOUN
fsr-3196	344	31	ef	ef	X
fsr-3196	344	32	=	=	SYM
fsr-3196	344	33	le	le	X
fsr-3196	344	34	ss	ss	NOUN
fsr-3196	344	35	th	th	X
fsr-3196	344	36	an	an	DET
fsr-3196	344	37	h	h	NOUN
fsr-3196	345	1	ig	ig	PROPN
fsr-3196	345	2	h	h	NOUN
fsr-3196	345	3	sc	sc	NOUN
fsr-3196	346	1	h	h	NOUN
fsr-3196	347	1	o	o	NOUN
fsr-3196	348	1	o	o	X
fsr-3196	348	2	l	l	X
fsr-3196	348	3	d	d	X
fsr-3196	348	4	eg	eg	X
fsr-3196	348	5	re	re	X
fsr-3196	348	6	e	e	NOUN
fsr-3196	348	7	)	)	PUNCT
fsr-3196	348	8	h	h	NOUN
fsr-3196	349	1	ig	ig	PROPN
fsr-3196	349	2	h	h	PROPN
fsr-3196	349	3	sc	sc	NOUN
fsr-3196	350	1	h	h	NOUN
fsr-3196	351	1	o	o	NOUN
fsr-3196	351	2	o	o	X
fsr-3196	351	3	l	l	NOUN
fsr-3196	351	4	1	1	NUM
fsr-3196	351	5	.1	.1	NUM
fsr-3196	351	6	7	7	NUM
fsr-3196	351	7	7	7	NUM
fsr-3196	351	8	0	0	NUM
fsr-3196	351	9	.3	.3	NUM
fsr-3196	351	10	7	7	NUM
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fsr-3196	356	1	p	p	PROPN
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fsr-3196	356	5	m	m	PROPN
fsr-3196	356	6	s	s	PART
fsr-3196	356	7	)	)	PUNCT
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fsr-3196	357	15	4	4	NUM
fsr-3196	357	16	2	2	NUM
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fsr-3196	357	19	o	o	PROPN
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fsr-3196	357	24	m	m	PROPN
fsr-3196	357	25	s	s	PART
fsr-3196	357	26	1	1	NUM
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fsr-3196	357	35	t	t	NOUN
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fsr-3196	357	44	s	s	PART
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fsr-3196	357	47	3	3	NUM
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fsr-3196	357	53	4	4	NUM
fsr-3196	357	54	f	f	NOUN
fsr-3196	357	55	o	o	X
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fsr-3196	358	13	1	1	NUM
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fsr-3196	358	15	1	1	NUM
fsr-3196	358	16	8	8	NUM
fsr-3196	358	17	0	0	NUM
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fsr-3196	358	22	e	e	NOUN
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fsr-3196	358	25	te	te	INTJ
fsr-3196	358	26	ta	ta	X
fsr-3196	358	27	x	x	PUNCT
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fsr-3196	358	31	a	a	DET
fsr-3196	358	32	b	b	X
fsr-3196	358	33	le	le	X
fsr-3196	358	34	n	n	NOUN
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fsr-3196	358	36	w	w	PROPN
fsr-3196	358	37	o	o	X
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fsr-3196	359	2	h	h	NOUN
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fsr-3196	361	5	n	n	CCONJ
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fsr-3196	361	17	s	s	NOUN
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fsr-3196	363	4	a	a	DET
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fsr-3196	363	17	re	re	ADP
fsr-3196	363	18	d	d	PROPN
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fsr-3196	363	20	n	n	SYM
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fsr-3196	363	28	1	1	NUM
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fsr-3196	363	45	e	e	X
fsr-3196	363	46	>	>	X
fsr-3196	363	47	1	1	NUM
fsr-3196	363	48	0	0	NUM
fsr-3196	363	49	%	%	NOUN
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fsr-3196	364	9	r	r	NOUN
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fsr-3196	365	3	it	it	PRON
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fsr-3196	365	7	k	k	PROPN
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fsr-3196	366	10	h	h	NOUN
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fsr-3196	366	13	e	e	NOUN
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fsr-3196	366	30	*	*	PUNCT
fsr-3196	366	31	*	*	PUNCT
fsr-3196	366	32	m	m	PROPN
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fsr-3196	369	1	h	h	NOUN
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fsr-3196	375	1	d	d	X
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fsr-3196	375	3	a	a	DET
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fsr-3196	381	48	,	,	PUNCT
fsr-3196	381	49	0	0	NUM
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fsr-3196	381	52	,	,	PUNCT
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fsr-3196	381	56	.	.	PUNCT
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fsr-3196	382	21	0	0	NUM
fsr-3196	382	22	.	.	PUNCT
fsr-3196	383	1	88	88	NUM
fsr-3196	383	2	b.	b.	PROPN
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fsr-3196	383	14	(	(	PUNCT
fsr-3196	383	15	2023	2023	NUM
fsr-3196	383	16	)	)	PUNCT
fsr-3196	384	1	73–96	73–96	NUM
fsr-3196	384	2	t	t	PROPN
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fsr-3196	384	6	b	b	NOUN
fsr-3196	384	7	l	l	NOUN
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fsr-3196	384	9	g	g	NOUN
fsr-3196	384	10	is	be	AUX
fsr-3196	384	11	ti	ti	X
fsr-3196	384	12	c	c	NOUN
fsr-3196	384	13	re	re	ADP
fsr-3196	384	14	g	g	PROPN
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fsr-3196	384	16	ss	ss	PROPN
fsr-3196	384	17	io	io	PROPN
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fsr-3196	384	19	s	s	PROPN
fsr-3196	384	20	—	—	PUNCT
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fsr-3196	384	22	g	g	NOUN
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fsr-3196	385	1	e	e	X
fsr-3196	385	2	ab	ab	PROPN
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fsr-3196	385	4	it	it	PRON
fsr-3196	386	1	y	y	PROPN
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fsr-3196	386	8	it	it	PRON
fsr-3196	386	9	h	h	NOUN
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fsr-3196	386	11	u	u	NOUN
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fsr-3196	386	13	er	er	INTJ
fsr-3196	386	14	ac	ac	PROPN
fsr-3196	386	15	y	y	PROPN
fsr-3196	386	16	w	w	PROPN
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fsr-3196	386	18	e	e	PROPN
fsr-3196	386	19	1	1	NUM
fsr-3196	386	20	0	0	NUM
fsr-3196	386	21	–	–	PUNCT
fsr-3196	386	22	2	2	NUM
fsr-3196	386	23	0	0	NUM
fsr-3196	386	24	1	1	NUM
fsr-3196	386	25	0	0	NUM
fsr-3196	386	26	n	n	NOUN
fsr-3196	386	27	=	=	SYM
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fsr-3196	386	44	p	p	NOUN
fsr-3196	386	45	o	o	X
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fsr-3196	387	1	d	d	PROPN
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fsr-3196	387	9	ia	ia	PROPN
fsr-3196	387	10	b	b	PROPN
fsr-3196	387	11	le	le	X
fsr-3196	387	12	:	:	PUNCT
fsr-3196	387	13	la	la	PROPN
fsr-3196	387	14	p	p	X
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fsr-3196	387	16	=	=	SYM
fsr-3196	387	17	1	1	NUM
fsr-3196	387	18	r	r	NOUN
fsr-3196	387	19	eg	eg	NOUN
fsr-3196	387	20	1	1	NUM
fsr-3196	387	21	r	r	NOUN
fsr-3196	387	22	eg	eg	NOUN
fsr-3196	387	23	2	2	NUM
fsr-3196	387	24	r	r	NOUN
fsr-3196	387	25	eg	eg	NOUN
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fsr-3196	387	27	o	o	NOUN
fsr-3196	387	28	d	d	X
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fsr-3196	387	30	s	s	VERB
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fsr-3196	387	34	p	p	X
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fsr-3196	387	37	v	v	NUM
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fsr-3196	387	39	o	o	NOUN
fsr-3196	388	1	d	d	X
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fsr-3196	389	7	p	p	X
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fsr-3196	389	10	v	v	ADP
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fsr-3196	389	22	<	<	X
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fsr-3196	389	26	1	1	NUM
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fsr-3196	390	9	<	<	X
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fsr-3196	390	22	<	<	X
fsr-3196	390	23	.0	.0	NUM
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fsr-3196	390	25	0	0	NUM
fsr-3196	390	26	1	1	NUM
fsr-3196	390	27	*	*	PUNCT
fsr-3196	391	1	*	*	PUNCT
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fsr-3196	391	3	e	e	X
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fsr-3196	392	7	il	il	ADP
fsr-3196	392	8	it	it	PRON
fsr-3196	392	9	y	y	NOUN
fsr-3196	392	10	:	:	PUNCT
fsr-3196	392	11	n	n	CCONJ
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fsr-3196	392	15	a	a	DET
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fsr-3196	392	17	(	(	PUNCT
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fsr-3196	392	21	n	n	CCONJ
fsr-3196	392	22	u	u	NOUN
fsr-3196	392	23	m	m	VERB
fsr-3196	392	24	er	er	INTJ
fsr-3196	392	25	a	a	DET
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fsr-3196	392	30	rt	rt	INTJ
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fsr-3196	393	1	w	w	VERB
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fsr-3196	393	3	h	h	NOUN
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fsr-3196	395	1	a	a	DET
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fsr-3196	395	3	il	il	ADP
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fsr-3196	395	5	y	y	NOUN
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fsr-3196	396	1	n	n	CCONJ
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fsr-3196	396	21	t	t	PROPN
fsr-3196	396	22	ab	ab	PROPN
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fsr-3196	396	24	it	it	PRON
fsr-3196	396	25	y	y	PROPN
fsr-3196	396	26	1	1	NUM
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fsr-3196	396	29	3	3	NUM
fsr-3196	396	30	0	0	NUM
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fsr-3196	396	32	0	0	NUM
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fsr-3196	396	35	*	*	PUNCT
fsr-3196	397	1	*	*	PUNCT
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fsr-3196	397	11	1	1	NUM
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fsr-3196	398	1	*	*	PUNCT
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fsr-3196	398	3	1	1	NUM
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fsr-3196	400	5	*	*	PUNCT
fsr-3196	401	1	*	*	PUNCT
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fsr-3196	401	4	u	u	NOUN
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fsr-3196	403	8	y	y	PROPN
fsr-3196	403	9	1	1	NUM
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fsr-3196	404	1	*	*	PUNCT
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fsr-3196	404	12	*	*	PUNCT
fsr-3196	405	1	*	*	PUNCT
fsr-3196	405	2	*	*	PUNCT
fsr-3196	405	3	1	1	NUM
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fsr-3196	406	9	*	*	PUNCT
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fsr-3196	406	11	*	*	PUNCT
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fsr-3196	435	8	r	r	NOUN
fsr-3196	435	9	ef	ef	PROPN
fsr-3196	435	10	=	=	PUNCT
fsr-3196	435	11	ag	ag	PROPN
fsr-3196	435	12	es	es	ADP
fsr-3196	435	13	6	6	NUM
fsr-3196	435	14	6	6	NUM
fsr-3196	435	15	to	to	PART
fsr-3196	435	16	7	7	NUM
fsr-3196	435	17	5	5	NUM
fsr-3196	435	18	)	)	PUNCT
fsr-3196	435	19	l	l	NOUN
fsr-3196	435	20	es	es	X
fsr-3196	435	21	s	s	X
fsr-3196	435	22	th	th	X
fsr-3196	435	23	an	an	DET
fsr-3196	435	24	6	6	NUM
fsr-3196	435	25	0	0	NUM
fsr-3196	435	26	0	0	NUM
fsr-3196	435	27	.8	.8	NUM
fsr-3196	435	28	5	5	NUM
fsr-3196	435	29	0	0	NUM
fsr-3196	435	30	0	0	NUM
fsr-3196	435	31	.3	.3	NUM
fsr-3196	435	32	4	4	NUM
fsr-3196	435	33	0	0	NUM
fsr-3196	435	34	9	9	NUM
fsr-3196	435	35	6	6	NUM
fsr-3196	435	36	5	5	NUM
fsr-3196	435	37	to	to	PART
fsr-3196	435	38	6	6	NUM
fsr-3196	435	39	9	9	NUM
fsr-3196	435	40	0	0	NUM
fsr-3196	435	41	.7	.7	NUM
fsr-3196	435	42	8	8	NUM
fsr-3196	435	43	4	4	NUM
fsr-3196	435	44	0	0	NUM
fsr-3196	435	45	.1	.1	NUM
fsr-3196	435	46	7	7	NUM
fsr-3196	435	47	1	1	NUM
fsr-3196	435	48	9	9	NUM
fsr-3196	435	49	7	7	NUM
fsr-3196	435	50	0	0	NUM
fsr-3196	435	51	to	to	ADP
fsr-3196	435	52	7	7	NUM
fsr-3196	435	53	4	4	NUM
fsr-3196	435	54	0	0	NUM
fsr-3196	435	55	.9	.9	NUM
fsr-3196	435	56	1	1	NUM
fsr-3196	435	57	8	8	NUM
fsr-3196	435	58	0	0	NUM
fsr-3196	435	59	.6	.6	NUM
fsr-3196	435	60	0	0	NUM
fsr-3196	435	61	7	7	NUM
fsr-3196	435	62	1	1	NUM
fsr-3196	435	63	(	(	PUNCT
fsr-3196	435	64	c	c	NOUN
fsr-3196	435	65	o	o	NOUN
fsr-3196	435	66	n	n	CCONJ
fsr-3196	435	67	ti	ti	NOUN
fsr-3196	435	68	n	n	CCONJ
fsr-3196	435	69	u	u	NOUN
fsr-3196	435	70	ed	ed	NOUN
fsr-3196	435	71	o	o	PROPN
fsr-3196	435	72	n	n	CCONJ
fsr-3196	435	73	n	n	NOUN
fsr-3196	435	74	ex	ex	ADJ
fsr-3196	435	75	t	t	NOUN
fsr-3196	435	76	p	p	X
fsr-3196	435	77	a	a	DET
fsr-3196	435	78	g	g	PROPN
fsr-3196	435	79	e	e	NOUN
fsr-3196	435	80	)	)	PUNCT
fsr-3196	435	81	b.	b.	PROPN
fsr-3196	435	82	s.	s.	PROPN
fsr-3196	435	83	mulholland	mulholland	PROPN
fsr-3196	435	84	and	and	CCONJ
fsr-3196	435	85	m.	m.	PROPN
fsr-3196	435	86	s.	s.	PROPN
fsr-3196	435	87	finke	finke	PROPN
fsr-3196	435	88	/	/	SYM
fsr-3196	435	89	financial	financial	ADJ
fsr-3196	435	90	services	service	NOUN
fsr-3196	435	91	review	review	VERB
fsr-3196	435	92	31	31	NUM
fsr-3196	435	93	(	(	PUNCT
fsr-3196	435	94	2023	2023	NUM
fsr-3196	435	95	)	)	PUNCT
fsr-3196	436	1	73–96	73–96	NUM
fsr-3196	436	2	89	89	NUM
fsr-3196	436	3	t	t	PROPN
fsr-3196	436	4	ab	ab	PROPN
fsr-3196	436	5	le	le	PROPN
fsr-3196	436	6	4	4	NUM
fsr-3196	436	7	b	b	X
fsr-3196	436	8	(	(	PUNCT
fsr-3196	436	9	c	c	NOUN
fsr-3196	436	10	o	o	NOUN
fsr-3196	436	11	n	n	CCONJ
fsr-3196	436	12	ti	ti	NOUN
fsr-3196	436	13	n	n	CCONJ
fsr-3196	436	14	u	u	NOUN
fsr-3196	436	15	ed	ed	NOUN
fsr-3196	436	16	)	)	PUNCT
fsr-3196	436	17	w	w	NOUN
fsr-3196	436	18	av	av	NOUN
fsr-3196	436	19	e	e	NOUN
fsr-3196	436	20	1	1	NUM
fsr-3196	436	21	0	0	NUM
fsr-3196	436	22	–	–	PUNCT
fsr-3196	436	23	2	2	NUM
fsr-3196	436	24	0	0	NUM
fsr-3196	436	25	1	1	NUM
fsr-3196	436	26	0	0	NUM
fsr-3196	436	27	n	n	NOUN
fsr-3196	436	28	=	=	SYM
fsr-3196	436	29	8	8	NUM
fsr-3196	436	30	,	,	PUNCT
fsr-3196	436	31	7	7	NUM
fsr-3196	436	32	9	9	NUM
fsr-3196	436	33	5	5	NUM
fsr-3196	436	34	3	3	NUM
fsr-3196	436	35	8	8	NUM
fsr-3196	436	36	4	4	NUM
fsr-3196	436	37	re	re	ADP
fsr-3196	436	38	sp	sp	ADP
fsr-3196	436	39	o	o	PROPN
fsr-3196	436	40	n	n	PROPN
fsr-3196	436	41	d	d	X
fsr-3196	436	42	en	en	X
fsr-3196	436	43	ts	ts	X
fsr-3196	436	44	re	re	PROPN
fsr-3196	436	45	p	p	NOUN
fsr-3196	436	46	o	o	X
fsr-3196	436	47	rt	rt	INTJ
fsr-3196	436	48	ed	ed	NOUN
fsr-3196	436	49	la	la	PROPN
fsr-3196	436	50	p	p	PROPN
fsr-3196	436	51	se	se	PROPN
fsr-3196	437	1	d	d	PROPN
fsr-3196	437	2	ep	ep	PROPN
fsr-3196	437	3	en	en	PROPN
fsr-3196	437	4	d	d	PROPN
fsr-3196	437	5	en	en	PROPN
fsr-3196	437	6	t	t	PROPN
fsr-3196	437	7	v	v	PROPN
fsr-3196	437	8	ar	ar	PROPN
fsr-3196	437	9	ia	ia	PROPN
fsr-3196	437	10	b	b	PROPN
fsr-3196	437	11	le	le	X
fsr-3196	437	12	:	:	PUNCT
fsr-3196	437	13	la	la	PROPN
fsr-3196	437	14	p	p	X
fsr-3196	437	15	se	se	X
fsr-3196	437	16	=	=	SYM
fsr-3196	437	17	1	1	NUM
fsr-3196	437	18	r	r	NOUN
fsr-3196	437	19	eg	eg	NOUN
fsr-3196	437	20	1	1	NUM
fsr-3196	437	21	r	r	NOUN
fsr-3196	437	22	eg	eg	NOUN
fsr-3196	437	23	2	2	NUM
fsr-3196	437	24	r	r	NOUN
fsr-3196	437	25	eg	eg	NOUN
fsr-3196	437	26	3	3	NUM
fsr-3196	437	27	o	o	NOUN
fsr-3196	437	28	d	d	X
fsr-3196	437	29	d	d	X
fsr-3196	437	30	s	s	VERB
fsr-3196	437	31	ra	ra	NOUN
fsr-3196	437	32	ti	ti	NOUN
fsr-3196	437	33	o	o	NOUN
fsr-3196	437	34	p	p	X
fsr-3196	437	35	r	r	X
fsr-3196	437	36	>	>	X
fsr-3196	437	37	v	v	NUM
fsr-3196	437	38	2	2	NUM
fsr-3196	437	39	o	o	NOUN
fsr-3196	438	1	d	d	X
fsr-3196	438	2	d	d	X
fsr-3196	438	3	s	s	VERB
fsr-3196	438	4	ra	ra	NOUN
fsr-3196	438	5	ti	ti	NOUN
fsr-3196	438	6	o	o	NOUN
fsr-3196	438	7	p	p	X
fsr-3196	438	8	r	r	X
fsr-3196	438	9	>	>	X
fsr-3196	438	10	v	v	NUM
fsr-3196	438	11	2	2	NUM
fsr-3196	438	12	o	o	NOUN
fsr-3196	439	1	d	d	X
fsr-3196	439	2	d	d	X
fsr-3196	439	3	s	s	VERB
fsr-3196	439	4	ra	ra	NOUN
fsr-3196	439	5	ti	ti	NOUN
fsr-3196	439	6	o	o	NOUN
fsr-3196	439	7	p	p	X
fsr-3196	439	8	r	r	X
fsr-3196	439	9	>	>	X
fsr-3196	439	10	v	v	NUM
fsr-3196	439	11	2	2	NUM
fsr-3196	439	12	7	7	NUM
fsr-3196	439	13	5	5	NUM
fsr-3196	439	14	to	to	PART
fsr-3196	439	15	7	7	NUM
fsr-3196	439	16	9	9	NUM
fsr-3196	439	17	0	0	NUM
fsr-3196	439	18	.7	.7	NUM
fsr-3196	439	19	2	2	NUM
fsr-3196	439	20	7	7	NUM
fsr-3196	439	21	0	0	NUM
fsr-3196	439	22	.1	.1	NUM
fsr-3196	439	23	0	0	NUM
fsr-3196	439	24	9	9	NUM
fsr-3196	439	25	1	1	NUM
fsr-3196	439	26	8	8	NUM
fsr-3196	439	27	0	0	NUM
fsr-3196	440	1	an	an	PRON
fsr-3196	440	2	d	d	NOUN
fsr-3196	440	3	h	h	NOUN
fsr-3196	441	1	ig	ig	INTJ
fsr-3196	442	1	h	h	NOUN
fsr-3196	443	1	er	er	INTJ
fsr-3196	443	2	0	0	NUM
fsr-3196	443	3	.7	.7	NUM
fsr-3196	443	4	1	1	NUM
fsr-3196	443	5	3	3	NUM
fsr-3196	443	6	0	0	NUM
fsr-3196	443	7	.1	.1	NUM
fsr-3196	443	8	0	0	NUM
fsr-3196	443	9	0	0	NUM
fsr-3196	443	10	8	8	NUM
fsr-3196	443	11	m	m	NOUN
fsr-3196	443	12	al	al	PROPN
fsr-3196	443	13	e	e	PROPN
fsr-3196	443	14	(	(	PUNCT
fsr-3196	443	15	r	r	NOUN
fsr-3196	443	16	ef	ef	PROPN
fsr-3196	443	17	=	=	SYM
fsr-3196	443	18	fe	fe	X
fsr-3196	443	19	m	m	PROPN
fsr-3196	443	20	al	al	PROPN
fsr-3196	443	21	e	e	PROPN
fsr-3196	443	22	)	)	PUNCT
fsr-3196	443	23	1	1	NUM
fsr-3196	443	24	.1	.1	NUM
fsr-3196	443	25	7	7	NUM
fsr-3196	443	26	1	1	NUM
fsr-3196	443	27	0	0	NUM
fsr-3196	443	28	.1	.1	NUM
fsr-3196	443	29	6	6	NUM
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fsr-3196	443	31	2	2	NUM
fsr-3196	443	32	r	r	NOUN
fsr-3196	443	33	ac	ac	NOUN
fsr-3196	443	34	e	e	PROPN
fsr-3196	443	35	(	(	PUNCT
fsr-3196	443	36	r	r	NOUN
fsr-3196	443	37	ef	ef	PROPN
fsr-3196	443	38	=	=	PUNCT
fsr-3196	443	39	w	w	PROPN
fsr-3196	443	40	h	h	NOUN
fsr-3196	443	41	it	it	PRON
fsr-3196	443	42	e	e	NOUN
fsr-3196	443	43	)	)	PUNCT
fsr-3196	443	44	b	b	PROPN
fsr-3196	443	45	la	la	ADP
fsr-3196	443	46	ck	ck	PROPN
fsr-3196	443	47	1	1	NUM
fsr-3196	443	48	.3	.3	NUM
fsr-3196	443	49	6	6	NUM
fsr-3196	443	50	5	5	NUM
fsr-3196	443	51	0	0	NUM
fsr-3196	443	52	.0	.0	NUM
fsr-3196	443	53	3	3	NUM
fsr-3196	443	54	4	4	NUM
fsr-3196	443	55	8	8	NUM
fsr-3196	443	56	*	*	PUNCT
fsr-3196	443	57	*	*	PUNCT
fsr-3196	444	1	o	o	X
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fsr-3196	444	3	er	er	INTJ
fsr-3196	444	4	0	0	NUM
fsr-3196	444	5	.7	.7	NUM
fsr-3196	444	6	9	9	NUM
fsr-3196	444	7	6	6	NUM
fsr-3196	444	8	0	0	NUM
fsr-3196	444	9	.5	.5	NUM
fsr-3196	444	10	6	6	NUM
fsr-3196	444	11	1	1	NUM
fsr-3196	444	12	8	8	NUM
fsr-3196	444	13	e	e	NOUN
fsr-3196	444	14	d	d	X
fsr-3196	444	15	u	u	PRON
fsr-3196	444	16	ca	can	AUX
fsr-3196	444	17	ti	ti	NOUN
fsr-3196	444	18	o	o	NOUN
fsr-3196	444	19	n	n	PROPN
fsr-3196	444	20	(	(	PUNCT
fsr-3196	444	21	r	r	NOUN
fsr-3196	444	22	ef	ef	X
fsr-3196	444	23	=	=	SYM
fsr-3196	444	24	le	le	X
fsr-3196	444	25	ss	ss	NOUN
fsr-3196	444	26	th	th	X
fsr-3196	444	27	an	an	DET
fsr-3196	444	28	h	h	NOUN
fsr-3196	445	1	ig	ig	PROPN
fsr-3196	445	2	h	h	NOUN
fsr-3196	445	3	sc	sc	NOUN
fsr-3196	446	1	h	h	NOUN
fsr-3196	447	1	o	o	NOUN
fsr-3196	448	1	o	o	X
fsr-3196	448	2	l	l	X
fsr-3196	448	3	d	d	X
fsr-3196	448	4	eg	eg	X
fsr-3196	448	5	re	re	X
fsr-3196	448	6	e	e	NOUN
fsr-3196	448	7	)	)	PUNCT
fsr-3196	448	8	h	h	NOUN
fsr-3196	449	1	ig	ig	PROPN
fsr-3196	449	2	h	h	PROPN
fsr-3196	449	3	sc	sc	NOUN
fsr-3196	450	1	h	h	NOUN
fsr-3196	451	1	o	o	NOUN
fsr-3196	451	2	o	o	X
fsr-3196	451	3	l	l	NOUN
fsr-3196	451	4	1	1	NUM
fsr-3196	451	5	.0	.0	NUM
fsr-3196	451	6	6	6	NUM
fsr-3196	451	7	2	2	NUM
fsr-3196	451	8	0	0	NUM
fsr-3196	451	9	.7	.7	NUM
fsr-3196	451	10	4	4	NUM
fsr-3196	451	11	7	7	NUM
fsr-3196	451	12	2	2	NUM
fsr-3196	451	13	s	s	NOUN
fsr-3196	451	14	o	o	NOUN
fsr-3196	451	15	m	m	NOUN
fsr-3196	451	16	e	e	NOUN
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fsr-3196	451	18	ll	ll	AUX
fsr-3196	451	19	eg	eg	VERB
fsr-3196	451	20	e	e	PROPN
fsr-3196	451	21	1	1	NUM
fsr-3196	451	22	.0	.0	NUM
fsr-3196	451	23	4	4	NUM
fsr-3196	451	24	4	4	NUM
fsr-3196	451	25	0	0	NUM
fsr-3196	451	26	.8	.8	NUM
fsr-3196	451	27	3	3	NUM
fsr-3196	451	28	0	0	NUM
fsr-3196	451	29	8	8	NUM
fsr-3196	452	1	c	c	NOUN
fsr-3196	452	2	o	o	NOUN
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fsr-3196	452	4	eg	eg	NOUN
fsr-3196	452	5	e	e	NOUN
fsr-3196	452	6	1	1	NUM
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fsr-3196	452	8	8	8	NUM
fsr-3196	452	9	3	3	NUM
fsr-3196	452	10	0	0	NUM
fsr-3196	452	11	.1	.1	NUM
fsr-3196	452	12	2	2	NUM
fsr-3196	452	13	8	8	NUM
fsr-3196	452	14	1	1	NUM
fsr-3196	452	15	h	h	NOUN
fsr-3196	452	16	ea	ea	ADP
fsr-3196	453	1	lt	lt	PRON
fsr-3196	454	1	h	h	PROPN
fsr-3196	455	1	p	p	PROPN
fsr-3196	456	1	ro	ro	PROPN
fsr-3196	456	2	b	b	X
fsr-3196	456	3	le	le	X
fsr-3196	456	4	m	m	PROPN
fsr-3196	456	5	s	s	X
fsr-3196	456	6	(	(	PUNCT
fsr-3196	456	7	r	r	NOUN
fsr-3196	456	8	ef	ef	X
fsr-3196	456	9	=	=	SYM
fsr-3196	456	10	ze	ze	PROPN
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fsr-3196	457	1	p	p	PROPN
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fsr-3196	457	4	le	le	X
fsr-3196	457	5	m	m	PROPN
fsr-3196	457	6	s	s	PART
fsr-3196	457	7	)	)	PUNCT
fsr-3196	457	8	o	o	NOUN
fsr-3196	458	1	n	n	NOUN
fsr-3196	458	2	e	e	NOUN
fsr-3196	458	3	p	p	PROPN
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fsr-3196	458	5	b	b	PROPN
fsr-3196	458	6	le	le	X
fsr-3196	458	7	m	m	VERB
fsr-3196	458	8	0	0	NUM
fsr-3196	458	9	.9	.9	NUM
fsr-3196	458	10	2	2	NUM
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fsr-3196	458	13	.7	.7	NUM
fsr-3196	458	14	0	0	NUM
fsr-3196	458	15	4	4	NUM
fsr-3196	458	16	3	3	NUM
fsr-3196	458	17	t	t	NOUN
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fsr-3196	458	19	o	o	PROPN
fsr-3196	458	20	p	p	X
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fsr-3196	458	22	b	b	PROPN
fsr-3196	458	23	le	le	X
fsr-3196	458	24	m	m	PROPN
fsr-3196	458	25	s	s	PART
fsr-3196	458	26	1	1	NUM
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fsr-3196	458	28	8	8	NUM
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fsr-3196	458	30	0	0	NUM
fsr-3196	458	31	.6	.6	NUM
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fsr-3196	458	34	5	5	NUM
fsr-3196	458	35	t	t	NOUN
fsr-3196	458	36	h	h	NOUN
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fsr-3196	458	44	s	s	PART
fsr-3196	458	45	1	1	NUM
fsr-3196	458	46	.1	.1	NUM
fsr-3196	458	47	1	1	NUM
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fsr-3196	458	49	0	0	NUM
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fsr-3196	458	54	f	f	NOUN
fsr-3196	458	55	o	o	X
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fsr-3196	459	1	r	r	NOUN
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fsr-3196	459	3	r	r	NOUN
fsr-3196	459	4	m	m	VERB
fsr-3196	459	5	o	o	NOUN
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fsr-3196	459	7	p	p	PROPN
fsr-3196	459	8	ro	ro	PROPN
fsr-3196	459	9	b	b	PROPN
fsr-3196	459	10	le	le	X
fsr-3196	459	11	m	m	PROPN
fsr-3196	459	12	s	s	PART
fsr-3196	459	13	1	1	NUM
fsr-3196	459	14	.0	.0	NUM
fsr-3196	459	15	9	9	NUM
fsr-3196	459	16	5	5	NUM
fsr-3196	459	17	0	0	NUM
fsr-3196	459	18	.6	.6	NUM
fsr-3196	459	19	7	7	NUM
fsr-3196	459	20	2	2	NUM
fsr-3196	459	21	3	3	NUM
fsr-3196	459	22	e	e	NOUN
fsr-3196	459	23	st	st	PROPN
fsr-3196	459	24	a	a	PRON
fsr-3196	459	25	te	te	INTJ
fsr-3196	459	26	ta	ta	X
fsr-3196	459	27	x	x	PUNCT
fsr-3196	459	28	vu	vu	X
fsr-3196	459	29	ln	ln	NOUN
fsr-3196	460	1	er	er	INTJ
fsr-3196	460	2	a	a	DET
fsr-3196	460	3	b	b	X
fsr-3196	460	4	le	le	X
fsr-3196	460	5	n	n	NOUN
fsr-3196	460	6	et	et	NOUN
fsr-3196	460	7	w	w	PROPN
fsr-3196	460	8	o	o	X
fsr-3196	461	1	rt	rt	INTJ
fsr-3196	461	2	h	h	NOUN
fsr-3196	461	3	o	o	NOUN
fsr-3196	461	4	v	v	INTJ
fsr-3196	461	5	er	er	INTJ
fsr-3196	461	6	cu	cu	PROPN
fsr-3196	461	7	rr	rr	PROPN
fsr-3196	462	1	en	en	PROPN
fsr-3196	462	2	t	t	X
fsr-3196	462	3	ex	ex	X
fsr-3196	463	1	em	em	PRON
fsr-3196	463	2	p	p	X
fsr-3196	463	3	ti	ti	NOUN
fsr-3196	463	4	o	o	NOUN
fsr-3196	463	5	n	n	CCONJ
fsr-3196	463	6	a	a	DET
fsr-3196	463	7	2	2	NUM
fsr-3196	463	8	.0	.0	NUM
fsr-3196	463	9	8	8	NUM
fsr-3196	463	10	5	5	NUM
fsr-3196	463	11	0	0	NUM
fsr-3196	463	12	.0	.0	NUM
fsr-3196	463	13	7	7	NUM
fsr-3196	463	14	8	8	NUM
fsr-3196	463	15	1	1	NUM
fsr-3196	463	16	*	*	SYM
fsr-3196	463	17	s	s	NOUN
fsr-3196	463	18	h	h	NOUN
fsr-3196	464	1	o	o	NOUN
fsr-3196	464	2	ck	ck	NOUN
fsr-3196	464	3	s	s	X
fsr-3196	465	1	o	o	NOUN
fsr-3196	465	2	r	r	NOUN
fsr-3196	465	3	m	m	VERB
fsr-3196	465	4	a	a	DET
fsr-3196	465	5	jo	jo	NOUN
fsr-3196	465	6	r	r	NOUN
fsr-3196	465	7	ch	ch	NOUN
fsr-3196	465	8	a	a	PRON
fsr-3196	465	9	n	n	CCONJ
fsr-3196	465	10	g	g	NOUN
fsr-3196	465	11	es	es	X
fsr-3196	465	12	n	n	INTJ
fsr-3196	465	13	ew	ew	INTJ
fsr-3196	465	14	ly	ly	X
fsr-3196	465	15	re	re	ADP
fsr-3196	465	16	ti	ti	X
fsr-3196	465	17	re	re	ADP
fsr-3196	465	18	d	d	PROPN
fsr-3196	465	19	si	si	PROPN
fsr-3196	465	20	n	n	SYM
fsr-3196	465	21	ce	ce	PROPN
fsr-3196	465	22	2	2	NUM
fsr-3196	465	23	0	0	NUM
fsr-3196	465	24	0	0	NUM
fsr-3196	465	25	8	8	NUM
fsr-3196	465	26	1	1	NUM
fsr-3196	465	27	.4	.4	NUM
fsr-3196	465	28	3	3	NUM
fsr-3196	465	29	0	0	NUM
fsr-3196	465	30	0	0	NUM
fsr-3196	465	31	.0	.0	NUM
fsr-3196	465	32	1	1	NUM
fsr-3196	465	33	5	5	NUM
fsr-3196	465	34	3	3	NUM
fsr-3196	465	35	*	*	PUNCT
fsr-3196	465	36	*	*	PUNCT
fsr-3196	465	37	in	in	ADP
fsr-3196	465	38	co	co	NOUN
fsr-3196	465	39	m	m	PROPN
fsr-3196	465	40	e	e	PROPN
fsr-3196	465	41	d	d	X
fsr-3196	465	42	ec	ec	PROPN
fsr-3196	465	43	li	li	PROPN
fsr-3196	465	44	n	n	PROPN
fsr-3196	465	45	e	e	X
fsr-3196	465	46	>	>	X
fsr-3196	465	47	1	1	NUM
fsr-3196	465	48	0	0	NUM
fsr-3196	465	49	%	%	NOUN
fsr-3196	466	1	fr	fr	INTJ
fsr-3196	466	2	o	o	NOUN
fsr-3196	466	3	m	m	VERB
fsr-3196	466	4	2	2	NUM
fsr-3196	466	5	0	0	NUM
fsr-3196	466	6	0	0	NUM
fsr-3196	466	7	8	8	NUM
fsr-3196	466	8	(	(	PUNCT
fsr-3196	466	9	r	r	NOUN
fsr-3196	466	10	ea	ea	NUM
fsr-3196	466	11	l	l	NOUN
fsr-3196	466	12	$	$	X
fsr-3196	466	13	)	)	PUNCT
fsr-3196	466	14	1	1	NUM
fsr-3196	466	15	.0	.0	NUM
fsr-3196	466	16	7	7	NUM
fsr-3196	466	17	4	4	NUM
fsr-3196	466	18	0	0	NUM
fsr-3196	466	19	.5	.5	NUM
fsr-3196	466	20	2	2	NUM
fsr-3196	466	21	9	9	NUM
fsr-3196	466	22	3	3	NUM
fsr-3196	467	1	a	a	PRON
fsr-3196	468	1	d	d	X
fsr-3196	469	1	d	d	X
fsr-3196	469	2	it	it	PRON
fsr-3196	469	3	io	io	PROPN
fsr-3196	469	4	n	n	PROPN
fsr-3196	469	5	al	al	PROPN
fsr-3196	469	6	k	k	PROPN
fsr-3196	470	1	i	i	PROPN
fsr-3196	470	2	d	d	PROPN
fsr-3196	470	3	s	s	X
fsr-3196	470	4	re	re	VERB
fsr-3196	470	5	si	si	PROPN
fsr-3196	470	6	d	d	PROPN
fsr-3196	470	7	in	in	ADP
fsr-3196	470	8	g	g	PROPN
fsr-3196	470	9	at	at	ADP
fsr-3196	470	10	h	h	NOUN
fsr-3196	470	11	o	o	NOUN
fsr-3196	470	12	m	m	VERB
fsr-3196	470	13	e	e	NOUN
fsr-3196	470	14	si	si	X
fsr-3196	470	15	n	n	SYM
fsr-3196	470	16	ce	ce	PROPN
fsr-3196	470	17	2	2	NUM
fsr-3196	470	18	0	0	NUM
fsr-3196	470	19	0	0	NUM
fsr-3196	470	20	8	8	NUM
fsr-3196	470	21	1	1	NUM
fsr-3196	470	22	.5	.5	NUM
fsr-3196	470	23	1	1	NUM
fsr-3196	470	24	8	8	NUM
fsr-3196	470	25	0	0	NUM
fsr-3196	470	26	.0	.0	NUM
fsr-3196	470	27	3	3	NUM
fsr-3196	470	28	8	8	NUM
fsr-3196	470	29	1	1	NUM
fsr-3196	470	30	*	*	PUNCT
fsr-3196	470	31	*	*	PUNCT
fsr-3196	470	32	m	m	PROPN
fsr-3196	470	33	ar	ar	PROPN
fsr-3196	470	34	ri	ri	PROPN
fsr-3196	470	35	ag	ag	PROPN
fsr-3196	470	36	e	e	PROPN
fsr-3196	470	37	en	en	PROPN
fsr-3196	470	38	d	d	PROPN
fsr-3196	470	39	ed	ed	NOUN
fsr-3196	470	40	si	si	PROPN
fsr-3196	470	41	n	n	ADV
fsr-3196	470	42	ce	ce	PROPN
fsr-3196	470	43	la	la	PROPN
fsr-3196	470	44	st	st	PROPN
fsr-3196	471	1	w	w	PROPN
fsr-3196	471	2	av	av	PROPN
fsr-3196	471	3	e	e	PROPN
fsr-3196	471	4	1	1	NUM
fsr-3196	471	5	.3	.3	NUM
fsr-3196	471	6	7	7	NUM
fsr-3196	471	7	2	2	NUM
fsr-3196	471	8	0	0	NUM
fsr-3196	471	9	.2	.2	NUM
fsr-3196	471	10	1	1	NUM
fsr-3196	471	11	7	7	NUM
fsr-3196	471	12	4	4	NUM
fsr-3196	471	13	h	h	NOUN
fsr-3196	471	14	ea	ea	NOUN
fsr-3196	471	15	lt	lt	PRON
fsr-3196	472	1	h	h	NOUN
fsr-3196	473	1	sh	sh	INTJ
fsr-3196	474	1	o	o	INTJ
fsr-3196	474	2	ck	ck	INTJ
fsr-3196	475	1	si	si	PROPN
fsr-3196	475	2	n	n	ADV
fsr-3196	475	3	ce	ce	PROPN
fsr-3196	475	4	la	la	PROPN
fsr-3196	475	5	st	st	PROPN
fsr-3196	476	1	w	w	PROPN
fsr-3196	476	2	av	av	PROPN
fsr-3196	476	3	e	e	PROPN
fsr-3196	476	4	0	0	PUNCT
fsr-3196	476	5	.8	.8	NUM
fsr-3196	476	6	9	9	NUM
fsr-3196	476	7	5	5	NUM
fsr-3196	476	8	0	0	NUM
fsr-3196	476	9	.7	.7	NUM
fsr-3196	476	10	1	1	NUM
fsr-3196	476	11	7	7	NUM
fsr-3196	476	12	6	6	NUM
fsr-3196	476	13	p	p	NOUN
fsr-3196	476	14	se	se	X
fsr-3196	476	15	u	u	PROPN
fsr-3196	477	1	d	d	X
fsr-3196	477	2	o	o	NOUN
fsr-3196	477	3	r	r	NOUN
fsr-3196	477	4	2	2	NUM
fsr-3196	477	5	=	=	SYM
fsr-3196	477	6	0	0	NUM
fsr-3196	477	7	.0	.0	NUM
fsr-3196	477	8	0	0	NUM
fsr-3196	477	9	6	6	NUM
fsr-3196	477	10	3	3	NUM
fsr-3196	477	11	0	0	NUM
fsr-3196	477	12	.0	.0	NUM
fsr-3196	477	13	2	2	NUM
fsr-3196	477	14	0	0	NUM
fsr-3196	477	15	8	8	NUM
fsr-3196	477	16	0	0	NUM
fsr-3196	477	17	.0	.0	NUM
fsr-3196	477	18	3	3	NUM
fsr-3196	477	19	3	3	NUM
fsr-3196	477	20	1	1	NUM
fsr-3196	477	21	n	n	NUM
fsr-3196	477	22	o	o	NOUN
fsr-3196	477	23	te	te	INTJ
fsr-3196	477	24	.	.	PUNCT
fsr-3196	478	1	d	d	X
fsr-3196	478	2	at	at	ADP
fsr-3196	478	3	a	a	DET
fsr-3196	478	4	fr	fr	NOUN
fsr-3196	478	5	o	o	NOUN
fsr-3196	478	6	m	m	VERB
fsr-3196	478	7	th	th	X
fsr-3196	478	8	e	e	X
fsr-3196	478	9	2	2	NUM
fsr-3196	478	10	0	0	NUM
fsr-3196	478	11	1	1	NUM
fsr-3196	478	12	0	0	NUM
fsr-3196	478	13	h	h	NOUN
fsr-3196	478	14	ea	ea	PROPN
fsr-3196	478	15	lt	lt	PRON
fsr-3196	478	16	h	h	PROPN
fsr-3196	479	1	an	an	DET
fsr-3196	479	2	d	d	NOUN
fsr-3196	479	3	r	r	VERB
fsr-3196	479	4	et	et	NOUN
fsr-3196	479	5	ir	ir	VERB
fsr-3196	479	6	em	em	PRON
fsr-3196	479	7	en	en	INTJ
fsr-3196	479	8	t	t	PROPN
fsr-3196	479	9	s	s	PROPN
fsr-3196	479	10	tu	tu	PROPN
fsr-3196	479	11	d	d	X
fsr-3196	479	12	y	y	PROPN
fsr-3196	479	13	.	.	PUNCT
fsr-3196	480	1	s	s	PART
fsr-3196	480	2	ta	ta	X
fsr-3196	480	3	ti	ti	PROPN
fsr-3196	480	4	st	st	PROPN
fsr-3196	480	5	ic	ic	PROPN
fsr-3196	480	6	al	al	PROPN
fsr-3196	480	7	si	si	PROPN
fsr-3196	481	1	g	g	PROPN
fsr-3196	481	2	n	n	PROPN
fsr-3196	481	3	ifi	ifi	PROPN
fsr-3196	481	4	ca	ca	PROPN
fsr-3196	481	5	n	n	ADV
fsr-3196	481	6	ce	ce	PROPN
fsr-3196	481	7	at	at	ADP
fsr-3196	481	8	0	0	NUM
fsr-3196	481	9	.1	.1	NUM
fsr-3196	481	10	0	0	NUM
fsr-3196	481	11	,	,	PUNCT
fsr-3196	481	12	0	0	NUM
fsr-3196	481	13	.0	.0	NUM
fsr-3196	481	14	5	5	NUM
fsr-3196	481	15	,	,	PUNCT
fsr-3196	481	16	an	an	DET
fsr-3196	481	17	d	d	X
fsr-3196	481	18	0	0	SYM
fsr-3196	481	19	.0	.0	NUM
fsr-3196	481	20	1	1	NUM
fsr-3196	481	21	le	le	PROPN
fsr-3196	481	22	v	v	PROPN
fsr-3196	481	23	el	el	PROPN
fsr-3196	481	24	s	s	PROPN
fsr-3196	481	25	is	be	AUX
fsr-3196	481	26	d	d	X
fsr-3196	481	27	en	en	X
fsr-3196	481	28	o	o	X
fsr-3196	481	29	te	te	PROPN
fsr-3196	482	1	d	d	PROPN
fsr-3196	482	2	b	b	PROPN
fsr-3196	482	3	y	y	PROPN
fsr-3196	482	4	*	*	PUNCT
fsr-3196	482	5	,	,	PUNCT
fsr-3196	482	6	*	*	PUNCT
fsr-3196	482	7	*	*	PUNCT
fsr-3196	482	8	,	,	PUNCT
fsr-3196	482	9	an	an	PRON
fsr-3196	482	10	d	d	X
fsr-3196	482	11	*	*	PUNCT
fsr-3196	483	1	*	*	PUNCT
fsr-3196	483	2	*	*	PUNCT
fsr-3196	483	3	,	,	PUNCT
fsr-3196	483	4	re	re	VERB
fsr-3196	483	5	sp	sp	ADP
fsr-3196	483	6	ec	ec	PROPN
fsr-3196	483	7	ti	ti	PROPN
fsr-3196	483	8	v	v	PROPN
fsr-3196	483	9	el	el	PROPN
fsr-3196	483	10	y	y	PROPN
fsr-3196	483	11	.	.	PUNCT
fsr-3196	484	1	a	a	DET
fsr-3196	484	2	2	2	NUM
fsr-3196	484	3	0	0	NUM
fsr-3196	484	4	1	1	NUM
fsr-3196	484	5	0	0	NUM
fsr-3196	484	6	e	e	NOUN
fsr-3196	484	7	x	x	X
fsr-3196	484	8	em	em	PRON
fsr-3196	484	9	p	p	X
fsr-3196	484	10	ti	ti	NOUN
fsr-3196	484	11	o	o	NOUN
fsr-3196	484	12	n	n	ADV
fsr-3196	484	13	w	w	NOUN
fsr-3196	484	14	as	as	ADP
fsr-3196	484	15	$	$	SYM
fsr-3196	484	16	0	0	NUM
fsr-3196	484	17	b	b	NOUN
fsr-3196	484	18	u	u	NOUN
fsr-3196	484	19	t	t	PROPN
fsr-3196	484	20	w	w	NOUN
fsr-3196	484	21	as	as	ADP
fsr-3196	484	22	re	re	ADJ
fsr-3196	484	23	tr	tr	NOUN
fsr-3196	484	24	o	o	NOUN
fsr-3196	484	25	ac	ac	ADJ
fsr-3196	484	26	ti	ti	PROPN
fsr-3196	484	27	v	v	PROPN
fsr-3196	484	28	el	el	PROPN
fsr-3196	484	29	y	y	PROPN
fsr-3196	484	30	ch	ch	PROPN
fsr-3196	484	31	an	an	DET
fsr-3196	484	32	g	g	NOUN
fsr-3196	484	33	ed	ed	NOUN
fsr-3196	484	34	to	to	ADP
fsr-3196	484	35	al	al	PROPN
fsr-3196	484	36	lo	lo	PROPN
fsr-3196	484	37	w	w	PROPN
fsr-3196	484	38	an	an	PROPN
fsr-3196	484	39	el	el	PROPN
fsr-3196	484	40	ec	ec	PROPN
fsr-3196	484	41	ti	ti	PROPN
fsr-3196	484	42	o	o	NOUN
fsr-3196	484	43	n	n	X
fsr-3196	484	44	o	o	X
fsr-3196	484	45	f	f	NOUN
fsr-3196	484	46	$	$	SYM
fsr-3196	484	47	5	5	NUM
fsr-3196	484	48	,	,	PUNCT
fsr-3196	484	49	0	0	NUM
fsr-3196	484	50	0	0	NUM
fsr-3196	484	51	0	0	NUM
fsr-3196	484	52	,	,	PUNCT
fsr-3196	484	53	0	0	NUM
fsr-3196	484	54	0	0	NUM
fsr-3196	484	55	0	0	NUM
fsr-3196	484	56	.	.	PUNCT
fsr-3196	485	1	t	t	PROPN
fsr-3196	485	2	h	h	PROPN
fsr-3196	485	3	is	be	AUX
fsr-3196	485	4	v	v	ADP
fsr-3196	485	5	ar	ar	PROPN
fsr-3196	485	6	ia	ia	PROPN
fsr-3196	485	7	b	b	PROPN
fsr-3196	485	8	le	le	X
fsr-3196	485	9	se	se	PROPN
fsr-3196	485	10	t	t	PROPN
fsr-3196	485	11	at	at	ADP
fsr-3196	485	12	$	$	SYM
fsr-3196	485	13	5	5	NUM
fsr-3196	485	14	,	,	PUNCT
fsr-3196	485	15	0	0	NUM
fsr-3196	485	16	0	0	NUM
fsr-3196	485	17	0	0	NUM
fsr-3196	485	18	,	,	PUNCT
fsr-3196	485	19	0	0	NUM
fsr-3196	485	20	0	0	NUM
fsr-3196	485	21	0	0	NUM
fsr-3196	485	22	.	.	PUNCT
fsr-3196	486	1	90	90	NUM
fsr-3196	486	2	b.	b.	PROPN
fsr-3196	486	3	s.	s.	PROPN
fsr-3196	486	4	mulholland	mulholland	PROPN
fsr-3196	486	5	and	and	CCONJ
fsr-3196	486	6	m.	m.	PROPN
fsr-3196	486	7	s.	s.	PROPN
fsr-3196	486	8	finke	finke	PROPN
fsr-3196	486	9	/	/	SYM
fsr-3196	486	10	financial	financial	ADJ
fsr-3196	486	11	services	service	NOUN
fsr-3196	486	12	review	review	VERB
fsr-3196	486	13	31	31	NUM
fsr-3196	486	14	(	(	PUNCT
fsr-3196	486	15	2023	2023	NUM
fsr-3196	486	16	)	)	PUNCT
fsr-3196	486	17	73–96	73–96	NUM
fsr-3196	486	18	ability	ability	NOUN
fsr-3196	486	19	and	and	CCONJ
fsr-3196	486	20	the	the	DET
fsr-3196	486	21	probability	probability	NOUN
fsr-3196	486	22	of	of	ADP
fsr-3196	486	23	lapse	lapse	NOUN
fsr-3196	486	24	.	.	PUNCT
fsr-3196	487	1	numeracy	numeracy	NOUN
fsr-3196	487	2	indicates	indicate	VERB
fsr-3196	487	3	higher	high	ADJ
fsr-3196	487	4	levels	level	NOUN
fsr-3196	487	5	of	of	ADP
fsr-3196	487	6	significance	significance	NOUN
fsr-3196	487	7	and	and	CCONJ
fsr-3196	487	8	probability	probability	NOUN
fsr-3196	487	9	.	.	PUNCT
fsr-3196	488	1	while	while	SCONJ
fsr-3196	488	2	numeracy	numeracy	NOUN
fsr-3196	488	3	maintains	maintain	VERB
fsr-3196	488	4	its	its	PRON
fsr-3196	488	5	high	high	ADJ
fsr-3196	488	6	significance	significance	NOUN
fsr-3196	488	7	in	in	ADP
fsr-3196	488	8	all	all	DET
fsr-3196	488	9	three	three	NUM
fsr-3196	488	10	forms	form	NOUN
fsr-3196	488	11	of	of	ADP
fsr-3196	488	12	the	the	DET
fsr-3196	488	13	model	model	NOUN
fsr-3196	488	14	,	,	PUNCT
fsr-3196	488	15	episodic	episodic	ADJ
fsr-3196	488	16	memory	memory	NOUN
fsr-3196	488	17	quickly	quickly	ADV
fsr-3196	488	18	loses	lose	VERB
fsr-3196	488	19	significance	significance	NOUN
fsr-3196	488	20	as	as	ADP
fsr-3196	488	21	a	a	DET
fsr-3196	488	22	predictor	predictor	NOUN
fsr-3196	488	23	of	of	ADP
fsr-3196	488	24	voluntary	voluntary	ADJ
fsr-3196	488	25	lapse	lapse	NOUN
fsr-3196	488	26	with	with	ADP
fsr-3196	488	27	the	the	DET
fsr-3196	488	28	introduction	introduction	NOUN
fsr-3196	488	29	of	of	ADP
fsr-3196	488	30	other	other	ADJ
fsr-3196	488	31	independent	independent	ADJ
fsr-3196	488	32	variables	variable	NOUN
fsr-3196	488	33	.	.	PUNCT
fsr-3196	489	1	numeracy	numeracy	NOUN
fsr-3196	489	2	maintains	maintain	VERB
fsr-3196	489	3	consistent	consistent	ADJ
fsr-3196	489	4	direction	direction	NOUN
fsr-3196	489	5	and	and	CCONJ
fsr-3196	489	6	magnitude	magnitude	NOUN
fsr-3196	489	7	of	of	ADP
fsr-3196	489	8	effect	effect	NOUN
fsr-3196	489	9	in	in	ADP
fsr-3196	489	10	each	each	DET
fsr-3196	489	11	form	form	NOUN
fsr-3196	489	12	of	of	ADP
fsr-3196	489	13	the	the	DET
fsr-3196	489	14	model	model	NOUN
fsr-3196	489	15	.	.	PUNCT
fsr-3196	490	1	in	in	ADP
fsr-3196	490	2	addition	addition	NOUN
fsr-3196	490	3	,	,	PUNCT
fsr-3196	490	4	using	use	VERB
fsr-3196	490	5	the	the	DET
fsr-3196	490	6	pseudo	pseudo	NOUN
fsr-3196	490	7	r2	r2	NOUN
fsr-3196	490	8	values	value	NOUN
fsr-3196	490	9	as	as	ADP
fsr-3196	490	10	a	a	DET
fsr-3196	490	11	measure	measure	NOUN
fsr-3196	490	12	of	of	ADP
fsr-3196	490	13	relative	relative	ADJ
fsr-3196	490	14	model	model	NOUN
fsr-3196	490	15	strength	strength	NOUN
fsr-3196	490	16	,	,	PUNCT
fsr-3196	490	17	we	we	PRON
fsr-3196	490	18	see	see	VERB
fsr-3196	490	19	that	that	SCONJ
fsr-3196	490	20	the	the	DET
fsr-3196	490	21	models	model	NOUN
fsr-3196	490	22	using	use	VERB
fsr-3196	490	23	numeracy	numeracy	NOUN
fsr-3196	490	24	consistently	consistently	ADV
fsr-3196	490	25	display	display	VERB
fsr-3196	490	26	higher	high	ADJ
fsr-3196	490	27	strength	strength	NOUN
fsr-3196	490	28	of	of	ADP
fsr-3196	490	29	association	association	NOUN
fsr-3196	490	30	.	.	PUNCT
fsr-3196	491	1	based	base	VERB
fsr-3196	491	2	upon	upon	SCONJ
fsr-3196	491	3	our	our	PRON
fsr-3196	491	4	statistically	statistically	ADV
fsr-3196	491	5	significant	significant	ADJ
fsr-3196	491	6	numeracy	numeracy	NOUN
fsr-3196	491	7	quartiles	quartile	NOUN
fsr-3196	491	8	in	in	ADP
fsr-3196	491	9	our	our	PRON
fsr-3196	491	10	model	model	NOUN
fsr-3196	491	11	,	,	PUNCT
fsr-3196	491	12	we	we	PRON
fsr-3196	491	13	conclude	conclude	VERB
fsr-3196	491	14	that	that	SCONJ
fsr-3196	491	15	cognitive	cognitive	ADJ
fsr-3196	491	16	ability	ability	NOUN
fsr-3196	491	17	is	be	AUX
fsr-3196	491	18	an	an	DET
fsr-3196	491	19	important	important	ADJ
fsr-3196	491	20	factor	factor	NOUN
fsr-3196	491	21	in	in	ADP
fsr-3196	491	22	the	the	DET
fsr-3196	491	23	ownership	ownership	NOUN
fsr-3196	491	24	decisions	decision	NOUN
fsr-3196	491	25	of	of	ADP
fsr-3196	491	26	existing	exist	VERB
fsr-3196	491	27	life	life	NOUN
fsr-3196	491	28	insurance	insurance	NOUN
fsr-3196	491	29	policies	policy	NOUN
fsr-3196	491	30	.	.	PUNCT
fsr-3196	492	1	we	we	PRON
fsr-3196	492	2	also	also	ADV
fsr-3196	492	3	conclude	conclude	VERB
fsr-3196	492	4	that	that	SCONJ
fsr-3196	492	5	numeracy	numeracy	NOUN
fsr-3196	492	6	is	be	AUX
fsr-3196	492	7	a	a	DET
fsr-3196	492	8	better	well	ADJ
fsr-3196	492	9	measure	measure	NOUN
fsr-3196	492	10	of	of	ADP
fsr-3196	492	11	cognitive	cognitive	ADJ
fsr-3196	492	12	ability	ability	NOUN
fsr-3196	492	13	when	when	SCONJ
fsr-3196	492	14	modeling	modeling	NOUN
fsr-3196	492	15	lapse	lapse	NOUN
fsr-3196	492	16	decisions	decision	NOUN
fsr-3196	492	17	.	.	PUNCT
fsr-3196	493	1	our	our	PRON
fsr-3196	493	2	findings	finding	NOUN
fsr-3196	493	3	are	be	AUX
fsr-3196	493	4	consistent	consistent	ADJ
fsr-3196	493	5	with	with	ADP
fsr-3196	493	6	the	the	DET
fsr-3196	493	7	prior	prior	ADJ
fsr-3196	493	8	research	research	NOUN
fsr-3196	493	9	that	that	PRON
fsr-3196	493	10	explores	explore	VERB
fsr-3196	493	11	the	the	DET
fsr-3196	493	12	appropriate	appropriate	ADJ
fsr-3196	493	13	measure	measure	NOUN
fsr-3196	493	14	of	of	ADP
fsr-3196	493	15	cognitive	cognitive	ADJ
fsr-3196	493	16	ability	ability	NOUN
fsr-3196	493	17	in	in	ADP
fsr-3196	493	18	relation	relation	NOUN
fsr-3196	493	19	to	to	ADP
fsr-3196	493	20	financial	financial	ADJ
fsr-3196	493	21	decisions	decision	NOUN
fsr-3196	493	22	(	(	PUNCT
fsr-3196	493	23	christelis	christeli	VERB
fsr-3196	493	24	et	et	PROPN
fsr-3196	493	25	al	al	PROPN
fsr-3196	493	26	.	.	PROPN
fsr-3196	493	27	,	,	PUNCT
fsr-3196	493	28	2010	2010	NUM
fsr-3196	493	29	;	;	PUNCT
fsr-3196	493	30	smith	smith	PROPN
fsr-3196	493	31	et	et	PROPN
fsr-3196	493	32	al	al	PROPN
fsr-3196	493	33	.	.	PROPN
fsr-3196	493	34	,	,	PUNCT
fsr-3196	493	35	2010	2010	NUM
fsr-3196	493	36	)	)	PUNCT
fsr-3196	493	37	.	.	PUNCT
fsr-3196	494	1	we	we	PRON
fsr-3196	494	2	observe	observe	VERB
fsr-3196	494	3	a	a	DET
fsr-3196	494	4	consistent	consistent	ADJ
fsr-3196	494	5	pattern	pattern	NOUN
fsr-3196	494	6	across	across	ADP
fsr-3196	494	7	both	both	DET
fsr-3196	494	8	analyses	analysis	NOUN
fsr-3196	494	9	using	use	VERB
fsr-3196	494	10	the	the	DET
fsr-3196	494	11	different	different	ADJ
fsr-3196	494	12	measures	measure	NOUN
fsr-3196	494	13	of	of	ADP
fsr-3196	494	14	cognitive	cognitive	ADJ
fsr-3196	494	15	ability	ability	NOUN
fsr-3196	494	16	.	.	PUNCT
fsr-3196	495	1	higher	high	ADJ
fsr-3196	495	2	levels	level	NOUN
fsr-3196	495	3	of	of	ADP
fsr-3196	495	4	income	income	NOUN
fsr-3196	495	5	,	,	PUNCT
fsr-3196	495	6	when	when	SCONJ
fsr-3196	495	7	compared	compare	VERB
fsr-3196	495	8	with	with	ADP
fsr-3196	495	9	the	the	DET
fsr-3196	495	10	lowest	low	ADJ
fsr-3196	495	11	quartile	quartile	NOUN
fsr-3196	495	12	of	of	ADP
fsr-3196	495	13	income	income	NOUN
fsr-3196	495	14	,	,	PUNCT
fsr-3196	495	15	is	be	AUX
fsr-3196	495	16	not	not	PART
fsr-3196	495	17	predictive	predictive	ADJ
fsr-3196	495	18	of	of	ADP
fsr-3196	495	19	voluntary	voluntary	ADJ
fsr-3196	495	20	lapse	lapse	NOUN
fsr-3196	495	21	while	while	SCONJ
fsr-3196	495	22	greater	great	ADJ
fsr-3196	495	23	net	net	ADJ
fsr-3196	495	24	worth	worth	NOUN
fsr-3196	495	25	is	be	AUX
fsr-3196	495	26	a	a	DET
fsr-3196	495	27	significant	significant	ADJ
fsr-3196	495	28	predictor	predictor	NOUN
fsr-3196	495	29	of	of	ADP
fsr-3196	495	30	a	a	DET
fsr-3196	495	31	reduced	reduce	VERB
fsr-3196	495	32	likelihood	likelihood	NOUN
fsr-3196	495	33	to	to	ADP
fsr-3196	495	34	voluntary	voluntary	ADJ
fsr-3196	495	35	lapse	lapse	NOUN
fsr-3196	495	36	a	a	DET
fsr-3196	495	37	policy	policy	NOUN
fsr-3196	495	38	when	when	SCONJ
fsr-3196	495	39	compared	compare	VERB
fsr-3196	495	40	with	with	ADP
fsr-3196	495	41	those	those	DET
fsr-3196	495	42	respondents	respondent	NOUN
fsr-3196	495	43	in	in	ADP
fsr-3196	495	44	the	the	DET
fsr-3196	495	45	lowest	low	ADJ
fsr-3196	495	46	quartile	quartile	NOUN
fsr-3196	495	47	of	of	ADP
fsr-3196	495	48	net	net	ADJ
fsr-3196	495	49	worth	worth	NOUN
fsr-3196	495	50	.	.	PUNCT
fsr-3196	496	1	total	total	ADJ
fsr-3196	496	2	household	household	NOUN
fsr-3196	496	3	debt	debt	NOUN
fsr-3196	496	4	is	be	AUX
fsr-3196	496	5	also	also	ADV
fsr-3196	496	6	a	a	DET
fsr-3196	496	7	significant	significant	ADJ
fsr-3196	496	8	predictor	predictor	NOUN
fsr-3196	496	9	of	of	ADP
fsr-3196	496	10	voluntary	voluntary	ADJ
fsr-3196	496	11	lapse	lapse	NOUN
fsr-3196	496	12	,	,	PUNCT
fsr-3196	496	13	indicating	indicate	VERB
fsr-3196	496	14	that	that	SCONJ
fsr-3196	496	15	increasing	increase	VERB
fsr-3196	496	16	debt	debt	NOUN
fsr-3196	496	17	increases	increase	VERB
fsr-3196	496	18	the	the	DET
fsr-3196	496	19	likelihood	likelihood	NOUN
fsr-3196	496	20	of	of	ADP
fsr-3196	496	21	policy	policy	NOUN
fsr-3196	496	22	lapse	lapse	NOUN
fsr-3196	496	23	.	.	PUNCT
fsr-3196	497	1	for	for	ADP
fsr-3196	497	2	both	both	CCONJ
fsr-3196	497	3	net	net	ADJ
fsr-3196	497	4	worth	worth	NOUN
fsr-3196	497	5	and	and	CCONJ
fsr-3196	497	6	total	total	ADJ
fsr-3196	497	7	debt	debt	NOUN
fsr-3196	497	8	,	,	PUNCT
fsr-3196	497	9	the	the	DET
fsr-3196	497	10	magnitude	magnitude	NOUN
fsr-3196	497	11	and	and	CCONJ
fsr-3196	497	12	direction	direction	NOUN
fsr-3196	497	13	of	of	ADP
fsr-3196	497	14	the	the	DET
fsr-3196	497	15	effect	effect	NOUN
fsr-3196	497	16	are	be	AUX
fsr-3196	497	17	consistent	consistent	ADJ
fsr-3196	497	18	between	between	ADP
fsr-3196	497	19	the	the	DET
fsr-3196	497	20	reduced	reduce	VERB
fsr-3196	497	21	model	model	NOUN
fsr-3196	497	22	in	in	ADP
fsr-3196	497	23	regression	regression	NOUN
fsr-3196	497	24	2	2	NUM
fsr-3196	497	25	and	and	CCONJ
fsr-3196	497	26	the	the	DET
fsr-3196	497	27	full	full	ADJ
fsr-3196	497	28	model	model	NOUN
fsr-3196	497	29	in	in	ADP
fsr-3196	497	30	regression	regression	NOUN
fsr-3196	497	31	3	3	NUM
fsr-3196	497	32	.	.	PUNCT
fsr-3196	498	1	we	we	PRON
fsr-3196	498	2	find	find	VERB
fsr-3196	498	3	no	no	DET
fsr-3196	498	4	difference	difference	NOUN
fsr-3196	498	5	in	in	ADP
fsr-3196	498	6	likelihood	likelihood	NOUN
fsr-3196	498	7	to	to	PART
fsr-3196	498	8	lapse	lapse	VERB
fsr-3196	498	9	a	a	DET
fsr-3196	498	10	policy	policy	NOUN
fsr-3196	498	11	based	base	VERB
fsr-3196	498	12	upon	upon	SCONJ
fsr-3196	498	13	the	the	DET
fsr-3196	498	14	respondent	respondent	NOUN
fsr-3196	498	15	’s	’s	PART
fsr-3196	498	16	household	household	NOUN
fsr-3196	498	17	financial	financial	ADJ
fsr-3196	498	18	knowledge	knowledge	NOUN
fsr-3196	498	19	as	as	SCONJ
fsr-3196	498	20	proxied	proxie	VERB
fsr-3196	498	21	by	by	ADP
fsr-3196	498	22	whether	whether	SCONJ
fsr-3196	498	23	or	or	CCONJ
fsr-3196	498	24	not	not	PART
fsr-3196	498	25	they	they	PRON
fsr-3196	498	26	were	be	AUX
fsr-3196	498	27	the	the	DET
fsr-3196	498	28	identified	identify	VERB
fsr-3196	498	29	financial	financial	ADJ
fsr-3196	498	30	respondent	respondent	NOUN
fsr-3196	498	31	for	for	ADP
fsr-3196	498	32	answering	answer	VERB
fsr-3196	498	33	household	household	NOUN
fsr-3196	498	34	financial	financial	ADJ
fsr-3196	498	35	questions	question	NOUN
fsr-3196	498	36	in	in	ADP
fsr-3196	498	37	the	the	DET
fsr-3196	498	38	survey	survey	NOUN
fsr-3196	498	39	.	.	PUNCT
fsr-3196	499	1	demographic	demographic	ADJ
fsr-3196	499	2	control	control	NOUN
fsr-3196	499	3	variables	variable	NOUN
fsr-3196	499	4	display	display	VERB
fsr-3196	499	5	similar	similar	ADJ
fsr-3196	499	6	effect	effect	NOUN
fsr-3196	499	7	patterns	pattern	NOUN
fsr-3196	499	8	and	and	CCONJ
fsr-3196	499	9	magnitudes	magnitude	NOUN
fsr-3196	499	10	but	but	CCONJ
fsr-3196	499	11	with	with	ADP
fsr-3196	499	12	shifting	shift	VERB
fsr-3196	499	13	significance	significance	NOUN
fsr-3196	499	14	with	with	ADP
fsr-3196	499	15	the	the	DET
fsr-3196	499	16	change	change	NOUN
fsr-3196	499	17	in	in	ADP
fsr-3196	499	18	cognitive	cognitive	ADJ
fsr-3196	499	19	ability	ability	NOUN
fsr-3196	499	20	measure	measure	NOUN
fsr-3196	499	21	.	.	PUNCT
fsr-3196	500	1	men	man	NOUN
fsr-3196	500	2	,	,	PUNCT
fsr-3196	500	3	blacks	black	NOUN
fsr-3196	500	4	,	,	PUNCT
fsr-3196	500	5	and	and	CCONJ
fsr-3196	500	6	those	those	PRON
fsr-3196	500	7	with	with	ADP
fsr-3196	500	8	college	college	NOUN
fsr-3196	500	9	degrees	degree	NOUN
fsr-3196	500	10	appear	appear	VERB
fsr-3196	500	11	more	more	ADV
fsr-3196	500	12	likely	likely	ADJ
fsr-3196	500	13	to	to	PART
fsr-3196	500	14	lapse	lapse	VERB
fsr-3196	500	15	.	.	PUNCT
fsr-3196	501	1	as	as	SCONJ
fsr-3196	501	2	suggested	suggest	VERB
fsr-3196	501	3	in	in	ADP
fsr-3196	501	4	the	the	DET
fsr-3196	501	5	univariate	univariate	ADJ
fsr-3196	501	6	analysis	analysis	NOUN
fsr-3196	501	7	,	,	PUNCT
fsr-3196	501	8	we	we	PRON
fsr-3196	501	9	use	use	VERB
fsr-3196	501	10	those	those	PRON
fsr-3196	501	11	in	in	ADP
fsr-3196	501	12	the	the	DET
fsr-3196	501	13	typical	typical	ADJ
fsr-3196	501	14	preretirement	preretirement	NOUN
fsr-3196	501	15	or	or	CCONJ
fsr-3196	501	16	early	early	ADJ
fsr-3196	501	17	retirement	retirement	NOUN
fsr-3196	501	18	years	year	NOUN
fsr-3196	501	19	,	,	PUNCT
fsr-3196	501	20	ages	age	NOUN
fsr-3196	501	21	60	60	NUM
fsr-3196	501	22	to	to	ADP
fsr-3196	501	23	64	64	NUM
fsr-3196	501	24	,	,	PUNCT
fsr-3196	501	25	as	as	ADP
fsr-3196	501	26	our	our	PRON
fsr-3196	501	27	reference	reference	NOUN
fsr-3196	501	28	group	group	NOUN
fsr-3196	501	29	for	for	ADP
fsr-3196	501	30	the	the	DET
fsr-3196	501	31	multivariate	multivariate	NOUN
fsr-3196	501	32	analyses	analysis	NOUN
fsr-3196	501	33	.	.	PUNCT
fsr-3196	502	1	while	while	SCONJ
fsr-3196	502	2	falling	fall	VERB
fsr-3196	502	3	just	just	ADV
fsr-3196	502	4	outside	outside	ADP
fsr-3196	502	5	the	the	DET
fsr-3196	502	6	traditional	traditional	ADJ
fsr-3196	502	7	levels	level	NOUN
fsr-3196	502	8	of	of	ADP
fsr-3196	502	9	significance	significance	NOUN
fsr-3196	502	10	,	,	PUNCT
fsr-3196	502	11	policyholders	policyholder	NOUN
fsr-3196	502	12	75	75	NUM
fsr-3196	502	13	and	and	CCONJ
fsr-3196	502	14	older	old	ADJ
fsr-3196	502	15	appear	appear	VERB
fsr-3196	502	16	to	to	PART
fsr-3196	502	17	be	be	AUX
fsr-3196	502	18	nearly	nearly	ADV
fsr-3196	502	19	30	30	NUM
fsr-3196	502	20	%	%	NOUN
fsr-3196	502	21	less	less	ADV
fsr-3196	502	22	likely	likely	ADJ
fsr-3196	502	23	to	to	PART
fsr-3196	502	24	lapse	lapse	VERB
fsr-3196	502	25	their	their	PRON
fsr-3196	502	26	existing	exist	VERB
fsr-3196	502	27	policies	policy	NOUN
fsr-3196	502	28	than	than	ADP
fsr-3196	502	29	the	the	DET
fsr-3196	502	30	reference	reference	NOUN
fsr-3196	502	31	age	age	NOUN
fsr-3196	502	32	group	group	NOUN
fsr-3196	502	33	.	.	PUNCT
fsr-3196	503	1	the	the	DET
fsr-3196	503	2	presence	presence	NOUN
fsr-3196	503	3	of	of	ADP
fsr-3196	503	4	health	health	NOUN
fsr-3196	503	5	problems	problem	NOUN
fsr-3196	503	6	was	be	AUX
fsr-3196	503	7	not	not	PART
fsr-3196	503	8	indicative	indicative	ADJ
fsr-3196	503	9	of	of	ADP
fsr-3196	503	10	a	a	DET
fsr-3196	503	11	change	change	NOUN
fsr-3196	503	12	in	in	ADP
fsr-3196	503	13	likelihood	likelihood	NOUN
fsr-3196	503	14	to	to	PART
fsr-3196	503	15	voluntarily	voluntarily	ADV
fsr-3196	503	16	lapse	lapse	VERB
fsr-3196	503	17	a	a	DET
fsr-3196	503	18	policy	policy	NOUN
fsr-3196	503	19	.	.	PUNCT
fsr-3196	504	1	when	when	SCONJ
fsr-3196	504	2	considering	consider	VERB
fsr-3196	504	3	estate	estate	NOUN
fsr-3196	504	4	tax	tax	NOUN
fsr-3196	504	5	vulnerability	vulnerability	NOUN
fsr-3196	504	6	of	of	ADP
fsr-3196	504	7	the	the	DET
fsr-3196	504	8	household	household	NOUN
fsr-3196	504	9	,	,	PUNCT
fsr-3196	504	10	we	we	PRON
fsr-3196	504	11	find	find	VERB
fsr-3196	504	12	that	that	SCONJ
fsr-3196	504	13	those	those	DET
fsr-3196	504	14	respondents	respondent	NOUN
fsr-3196	504	15	with	with	ADP
fsr-3196	504	16	household	household	NOUN
fsr-3196	504	17	net	net	NOUN
fsr-3196	504	18	worth	worth	NOUN
fsr-3196	504	19	in	in	ADP
fsr-3196	504	20	excess	excess	NOUN
fsr-3196	504	21	of	of	ADP
fsr-3196	504	22	the	the	DET
fsr-3196	504	23	$	$	SYM
fsr-3196	504	24	5	5	NUM
fsr-3196	504	25	million	million	NUM
fsr-3196	504	26	estate	estate	NOUN
fsr-3196	504	27	tax	tax	NOUN
fsr-3196	504	28	exemption	exemption	NOUN
fsr-3196	504	29	level	level	NOUN
fsr-3196	504	30	are	be	AUX
fsr-3196	504	31	significantly	significantly	ADV
fsr-3196	504	32	more	more	ADV
fsr-3196	504	33	likely	likely	ADJ
fsr-3196	504	34	to	to	PART
fsr-3196	504	35	lapse	lapse	VERB
fsr-3196	504	36	a	a	DET
fsr-3196	504	37	policy	policy	NOUN
fsr-3196	504	38	than	than	ADP
fsr-3196	504	39	those	those	PRON
fsr-3196	504	40	with	with	ADP
fsr-3196	504	41	less	less	ADJ
fsr-3196	504	42	than	than	ADP
fsr-3196	504	43	this	this	DET
fsr-3196	504	44	level	level	NOUN
fsr-3196	504	45	of	of	ADP
fsr-3196	504	46	net	net	ADJ
fsr-3196	504	47	worth	worth	NOUN
fsr-3196	504	48	.	.	PUNCT
fsr-3196	505	1	those	those	PRON
fsr-3196	505	2	from	from	ADP
fsr-3196	505	3	the	the	DET
fsr-3196	505	4	vulnerable	vulnerable	ADJ
fsr-3196	505	5	households	household	NOUN
fsr-3196	505	6	are	be	AUX
fsr-3196	505	7	about	about	ADV
fsr-3196	505	8	twice	twice	ADV
fsr-3196	505	9	as	as	ADV
fsr-3196	505	10	likely	likely	ADJ
fsr-3196	505	11	to	to	PART
fsr-3196	505	12	lapse	lapse	VERB
fsr-3196	505	13	a	a	DET
fsr-3196	505	14	policy	policy	NOUN
fsr-3196	505	15	.	.	PUNCT
fsr-3196	506	1	given	give	VERB
fsr-3196	506	2	prior	prior	ADJ
fsr-3196	506	3	research	research	NOUN
fsr-3196	506	4	that	that	PRON
fsr-3196	506	5	suggests	suggest	VERB
fsr-3196	506	6	life	life	NOUN
fsr-3196	506	7	insurance	insurance	NOUN
fsr-3196	506	8	is	be	AUX
fsr-3196	506	9	a	a	DET
fsr-3196	506	10	tool	tool	NOUN
fsr-3196	506	11	to	to	PART
fsr-3196	506	12	improve	improve	VERB
fsr-3196	506	13	the	the	DET
fsr-3196	506	14	efficient	efficient	ADJ
fsr-3196	506	15	transfer	transfer	NOUN
fsr-3196	506	16	of	of	ADP
fsr-3196	506	17	the	the	DET
fsr-3196	506	18	estate	estate	NOUN
fsr-3196	506	19	upon	upon	SCONJ
fsr-3196	506	20	death	death	NOUN
fsr-3196	506	21	(	(	PUNCT
fsr-3196	506	22	milevsky	milevsky	NOUN
fsr-3196	506	23	,	,	PUNCT
fsr-3196	506	24	2006	2006	NUM
fsr-3196	506	25	)	)	PUNCT
fsr-3196	506	26	and	and	CCONJ
fsr-3196	506	27	is	be	AUX
fsr-3196	506	28	used	use	VERB
fsr-3196	506	29	as	as	ADP
fsr-3196	506	30	such	such	ADJ
fsr-3196	506	31	(	(	PUNCT
fsr-3196	506	32	mulholland	mulholland	NOUN
fsr-3196	506	33	et	et	PROPN
fsr-3196	506	34	al	al	PROPN
fsr-3196	506	35	.	.	PROPN
fsr-3196	506	36	,	,	PUNCT
fsr-3196	506	37	2016	2016	NUM
fsr-3196	506	38	)	)	PUNCT
fsr-3196	506	39	,	,	PUNCT
fsr-3196	506	40	we	we	PRON
fsr-3196	506	41	initially	initially	ADV
fsr-3196	506	42	find	find	VERB
fsr-3196	506	43	this	this	DET
fsr-3196	506	44	result	result	NOUN
fsr-3196	506	45	puzzling	puzzle	VERB
fsr-3196	506	46	.	.	PUNCT
fsr-3196	507	1	we	we	PRON
fsr-3196	507	2	will	will	AUX
fsr-3196	507	3	address	address	VERB
fsr-3196	507	4	this	this	DET
fsr-3196	507	5	puzzling	puzzling	ADJ
fsr-3196	507	6	result	result	NOUN
fsr-3196	507	7	in	in	ADP
fsr-3196	507	8	the	the	DET
fsr-3196	507	9	next	next	ADJ
fsr-3196	507	10	section	section	NOUN
fsr-3196	507	11	.	.	PUNCT
fsr-3196	508	1	finally	finally	ADV
fsr-3196	508	2	,	,	PUNCT
fsr-3196	508	3	two	two	NUM
fsr-3196	508	4	important	important	ADJ
fsr-3196	508	5	shock	shock	NOUN
fsr-3196	508	6	variables	variable	NOUN
fsr-3196	508	7	indicate	indicate	VERB
fsr-3196	508	8	a	a	DET
fsr-3196	508	9	significant	significant	ADJ
fsr-3196	508	10	increase	increase	NOUN
fsr-3196	508	11	in	in	ADP
fsr-3196	508	12	likelihood	likelihood	NOUN
fsr-3196	508	13	to	to	PART
fsr-3196	508	14	lapse	lapse	VERB
fsr-3196	508	15	a	a	DET
fsr-3196	508	16	policy	policy	NOUN
fsr-3196	508	17	in	in	ADP
fsr-3196	508	18	the	the	DET
fsr-3196	508	19	presence	presence	NOUN
fsr-3196	508	20	of	of	ADP
fsr-3196	508	21	these	these	DET
fsr-3196	508	22	shocks	shock	NOUN
fsr-3196	508	23	.	.	PUNCT
fsr-3196	509	1	newly	newly	ADV
fsr-3196	509	2	retired	retire	VERB
fsr-3196	509	3	respondents	respondent	NOUN
fsr-3196	509	4	are	be	AUX
fsr-3196	509	5	over	over	ADP
fsr-3196	509	6	40	40	NUM
fsr-3196	509	7	%	%	NOUN
fsr-3196	509	8	more	more	ADV
fsr-3196	509	9	likely	likely	ADJ
fsr-3196	509	10	to	to	PART
fsr-3196	509	11	lapse	lapse	VERB
fsr-3196	509	12	a	a	DET
fsr-3196	509	13	policy	policy	NOUN
fsr-3196	509	14	.	.	PUNCT
fsr-3196	510	1	in	in	ADP
fsr-3196	510	2	a	a	DET
fsr-3196	510	3	new	new	ADJ
fsr-3196	510	4	finding	finding	NOUN
fsr-3196	510	5	,	,	PUNCT
fsr-3196	510	6	we	we	PRON
fsr-3196	510	7	see	see	VERB
fsr-3196	510	8	that	that	SCONJ
fsr-3196	510	9	the	the	DET
fsr-3196	510	10	addition	addition	NOUN
fsr-3196	510	11	of	of	ADP
fsr-3196	510	12	a	a	DET
fsr-3196	510	13	child	child	NOUN
fsr-3196	510	14	to	to	ADP
fsr-3196	510	15	the	the	DET
fsr-3196	510	16	household	household	NOUN
fsr-3196	510	17	of	of	ADP
fsr-3196	510	18	these	these	DET
fsr-3196	510	19	older	old	ADJ
fsr-3196	510	20	respondents	respondent	NOUN
fsr-3196	510	21	increases	increase	VERB
fsr-3196	510	22	the	the	DET
fsr-3196	510	23	likelihood	likelihood	NOUN
fsr-3196	510	24	of	of	ADP
fsr-3196	510	25	lapsing	lapse	VERB
fsr-3196	510	26	a	a	DET
fsr-3196	510	27	policy	policy	NOUN
fsr-3196	510	28	by	by	ADP
fsr-3196	510	29	over	over	ADP
fsr-3196	510	30	50	50	NUM
fsr-3196	510	31	%	%	NOUN
fsr-3196	510	32	.	.	PUNCT
fsr-3196	511	1	b.	b.	PROPN
fsr-3196	511	2	s.	s.	PROPN
fsr-3196	511	3	mulholland	mulholland	PROPN
fsr-3196	511	4	and	and	CCONJ
fsr-3196	511	5	m.	m.	PROPN
fsr-3196	511	6	s.	s.	PROPN
fsr-3196	511	7	finke	finke	PROPN
fsr-3196	511	8	/	/	SYM
fsr-3196	511	9	financial	financial	ADJ
fsr-3196	511	10	services	service	NOUN
fsr-3196	511	11	review	review	VERB
fsr-3196	511	12	31	31	NUM
fsr-3196	511	13	(	(	PUNCT
fsr-3196	511	14	2023	2023	NUM
fsr-3196	511	15	)	)	PUNCT
fsr-3196	512	1	73–96	73–96	NUM
fsr-3196	512	2	91	91	NUM
fsr-3196	512	3	overall	overall	ADJ
fsr-3196	512	4	,	,	PUNCT
fsr-3196	512	5	our	our	PRON
fsr-3196	512	6	results	result	NOUN
fsr-3196	512	7	suggest	suggest	VERB
fsr-3196	512	8	numeracy	numeracy	NOUN
fsr-3196	512	9	as	as	ADP
fsr-3196	512	10	a	a	DET
fsr-3196	512	11	measure	measure	NOUN
fsr-3196	512	12	cognitive	cognitive	ADJ
fsr-3196	512	13	ability	ability	NOUN
fsr-3196	512	14	is	be	AUX
fsr-3196	512	15	a	a	DET
fsr-3196	512	16	significant	significant	ADJ
fsr-3196	512	17	predictor	predictor	NOUN
fsr-3196	512	18	of	of	ADP
fsr-3196	512	19	life	life	NOUN
fsr-3196	512	20	insurance	insurance	NOUN
fsr-3196	512	21	policy	policy	NOUN
fsr-3196	512	22	lapse	lapse	NOUN
fsr-3196	512	23	decisions	decision	NOUN
fsr-3196	512	24	.	.	PUNCT
fsr-3196	513	1	5	5	X
fsr-3196	513	2	.	.	X
fsr-3196	513	3	discussion	discussion	NOUN
fsr-3196	513	4	and	and	CCONJ
fsr-3196	513	5	conclusions	conclusion	NOUN
fsr-3196	513	6	the	the	DET
fsr-3196	513	7	purpose	purpose	NOUN
fsr-3196	513	8	of	of	ADP
fsr-3196	513	9	this	this	DET
fsr-3196	513	10	study	study	NOUN
fsr-3196	513	11	is	be	AUX
fsr-3196	513	12	to	to	PART
fsr-3196	513	13	further	far	ADV
fsr-3196	513	14	explore	explore	VERB
fsr-3196	513	15	the	the	DET
fsr-3196	513	16	microeconomic	microeconomic	ADJ
fsr-3196	513	17	determinants	determinant	NOUN
fsr-3196	513	18	of	of	ADP
fsr-3196	513	19	life	life	NOUN
fsr-3196	513	20	insurance	insurance	NOUN
fsr-3196	513	21	lapse	lapse	NOUN
fsr-3196	513	22	by	by	ADP
fsr-3196	513	23	introducing	introduce	VERB
fsr-3196	513	24	an	an	DET
fsr-3196	513	25	additional	additional	ADJ
fsr-3196	513	26	variable	variable	NOUN
fsr-3196	513	27	into	into	ADP
fsr-3196	513	28	a	a	DET
fsr-3196	513	29	model	model	NOUN
fsr-3196	513	30	of	of	ADP
fsr-3196	513	31	lapse	lapse	NOUN
fsr-3196	513	32	behavior	behavior	NOUN
fsr-3196	513	33	.	.	PUNCT
fsr-3196	514	1	we	we	PRON
fsr-3196	514	2	find	find	VERB
fsr-3196	514	3	evidence	evidence	NOUN
fsr-3196	514	4	that	that	SCONJ
fsr-3196	514	5	cognitive	cognitive	ADJ
fsr-3196	514	6	ability	ability	NOUN
fsr-3196	514	7	,	,	PUNCT
fsr-3196	514	8	when	when	SCONJ
fsr-3196	514	9	using	use	VERB
fsr-3196	514	10	numeracy	numeracy	NOUN
fsr-3196	514	11	as	as	ADP
fsr-3196	514	12	its	its	PRON
fsr-3196	514	13	measure	measure	NOUN
fsr-3196	514	14	,	,	PUNCT
fsr-3196	514	15	is	be	AUX
fsr-3196	514	16	a	a	DET
fsr-3196	514	17	determinant	determinant	ADJ
fsr-3196	514	18	in	in	ADP
fsr-3196	514	19	the	the	DET
fsr-3196	514	20	decision	decision	NOUN
fsr-3196	514	21	to	to	PART
fsr-3196	514	22	voluntarily	voluntarily	ADV
fsr-3196	514	23	lapse	lapse	VERB
fsr-3196	514	24	a	a	DET
fsr-3196	514	25	life	life	NOUN
fsr-3196	514	26	insurance	insurance	NOUN
fsr-3196	514	27	policy	policy	NOUN
fsr-3196	514	28	.	.	PUNCT
fsr-3196	515	1	in	in	ADP
fsr-3196	515	2	addition	addition	NOUN
fsr-3196	515	3	,	,	PUNCT
fsr-3196	515	4	we	we	PRON
fsr-3196	515	5	find	find	VERB
fsr-3196	515	6	that	that	DET
fsr-3196	515	7	specification	specification	NOUN
fsr-3196	515	8	of	of	ADP
fsr-3196	515	9	the	the	DET
fsr-3196	515	10	correct	correct	ADJ
fsr-3196	515	11	measure	measure	NOUN
fsr-3196	515	12	of	of	ADP
fsr-3196	515	13	cognitive	cognitive	ADJ
fsr-3196	515	14	ability	ability	NOUN
fsr-3196	515	15	is	be	AUX
fsr-3196	515	16	important	important	ADJ
fsr-3196	515	17	as	as	SCONJ
fsr-3196	515	18	seen	see	VERB
fsr-3196	515	19	in	in	ADP
fsr-3196	515	20	the	the	DET
fsr-3196	515	21	lack	lack	NOUN
fsr-3196	515	22	of	of	ADP
fsr-3196	515	23	significant	significant	ADJ
fsr-3196	515	24	relationship	relationship	NOUN
fsr-3196	515	25	when	when	SCONJ
fsr-3196	515	26	using	use	VERB
fsr-3196	515	27	episodic	episodic	ADJ
fsr-3196	515	28	memory	memory	NOUN
fsr-3196	515	29	as	as	ADP
fsr-3196	515	30	the	the	DET
fsr-3196	515	31	measure	measure	NOUN
fsr-3196	515	32	of	of	ADP
fsr-3196	515	33	cognitive	cognitive	ADJ
fsr-3196	515	34	ability	ability	NOUN
fsr-3196	515	35	,	,	PUNCT
fsr-3196	515	36	but	but	CCONJ
fsr-3196	515	37	a	a	DET
fsr-3196	515	38	highly	highly	ADV
fsr-3196	515	39	significant	significant	ADJ
fsr-3196	515	40	relationship	relationship	NOUN
fsr-3196	515	41	when	when	SCONJ
fsr-3196	515	42	using	use	VERB
fsr-3196	515	43	numeracy	numeracy	NOUN
fsr-3196	515	44	as	as	ADP
fsr-3196	515	45	the	the	DET
fsr-3196	515	46	cognitive	cognitive	ADJ
fsr-3196	515	47	ability	ability	NOUN
fsr-3196	515	48	measure	measure	NOUN
fsr-3196	515	49	.	.	PUNCT
fsr-3196	516	1	we	we	PRON
fsr-3196	516	2	conclude	conclude	VERB
fsr-3196	516	3	that	that	SCONJ
fsr-3196	516	4	numeracy	numeracy	NOUN
fsr-3196	516	5	is	be	AUX
fsr-3196	516	6	the	the	DET
fsr-3196	516	7	appropriate	appropriate	ADJ
fsr-3196	516	8	measure	measure	NOUN
fsr-3196	516	9	of	of	ADP
fsr-3196	516	10	cognitive	cognitive	ADJ
fsr-3196	516	11	ability	ability	NOUN
fsr-3196	516	12	to	to	PART
fsr-3196	516	13	include	include	VERB
fsr-3196	516	14	when	when	SCONJ
fsr-3196	516	15	modeling	modeling	NOUN
fsr-3196	516	16	lapse	lapse	NOUN
fsr-3196	516	17	behavior	behavior	NOUN
fsr-3196	516	18	.	.	PUNCT
fsr-3196	517	1	our	our	PRON
fsr-3196	517	2	results	result	NOUN
fsr-3196	517	3	are	be	AUX
fsr-3196	517	4	statistically	statistically	ADV
fsr-3196	517	5	significant	significant	ADJ
fsr-3196	517	6	.	.	PUNCT
fsr-3196	518	1	numeracy	numeracy	NOUN
fsr-3196	518	2	may	may	AUX
fsr-3196	518	3	be	be	AUX
fsr-3196	518	4	related	relate	VERB
fsr-3196	518	5	to	to	ADP
fsr-3196	518	6	the	the	DET
fsr-3196	518	7	ability	ability	NOUN
fsr-3196	518	8	of	of	ADP
fsr-3196	518	9	the	the	DET
fsr-3196	518	10	policyholder	policyholder	NOUN
fsr-3196	518	11	to	to	PART
fsr-3196	518	12	perceive	perceive	VERB
fsr-3196	518	13	the	the	DET
fsr-3196	518	14	value	value	NOUN
fsr-3196	518	15	of	of	ADP
fsr-3196	518	16	lapsing	lapse	VERB
fsr-3196	518	17	a	a	DET
fsr-3196	518	18	policy	policy	NOUN
fsr-3196	518	19	at	at	ADP
fsr-3196	518	20	the	the	DET
fsr-3196	518	21	appropriate	appropriate	ADJ
fsr-3196	518	22	time	time	NOUN
fsr-3196	518	23	,	,	PUNCT
fsr-3196	518	24	such	such	ADJ
fsr-3196	518	25	as	as	ADP
fsr-3196	518	26	when	when	SCONJ
fsr-3196	518	27	a	a	DET
fsr-3196	518	28	term	term	NOUN
fsr-3196	518	29	policy	policy	NOUN
fsr-3196	518	30	is	be	AUX
fsr-3196	518	31	no	no	ADV
fsr-3196	518	32	longer	long	ADV
fsr-3196	518	33	needed	need	VERB
fsr-3196	518	34	to	to	PART
fsr-3196	518	35	hedge	hedge	VERB
fsr-3196	518	36	against	against	ADP
fsr-3196	518	37	the	the	DET
fsr-3196	518	38	loss	loss	NOUN
fsr-3196	518	39	of	of	ADP
fsr-3196	518	40	labor	labor	NOUN
fsr-3196	518	41	income	income	NOUN
fsr-3196	518	42	flows	flow	NOUN
fsr-3196	518	43	at	at	ADP
fsr-3196	518	44	retirement	retirement	NOUN
fsr-3196	518	45	or	or	CCONJ
fsr-3196	518	46	a	a	DET
fsr-3196	518	47	permanent	permanent	ADJ
fsr-3196	518	48	policy	policy	NOUN
fsr-3196	518	49	is	be	AUX
fsr-3196	518	50	no	no	ADV
fsr-3196	518	51	longer	long	ADV
fsr-3196	518	52	needed	need	VERB
fsr-3196	518	53	after	after	ADP
fsr-3196	518	54	a	a	DET
fsr-3196	518	55	loss	loss	NOUN
fsr-3196	518	56	of	of	ADP
fsr-3196	518	57	a	a	DET
fsr-3196	518	58	bequest	bequest	NOUN
fsr-3196	518	59	motive	motive	NOUN
fsr-3196	518	60	.	.	PUNCT
fsr-3196	519	1	it	it	PRON
fsr-3196	519	2	is	be	AUX
fsr-3196	519	3	important	important	ADJ
fsr-3196	519	4	to	to	PART
fsr-3196	519	5	note	note	VERB
fsr-3196	519	6	here	here	ADV
fsr-3196	519	7	that	that	SCONJ
fsr-3196	519	8	we	we	PRON
fsr-3196	519	9	are	be	AUX
fsr-3196	519	10	not	not	PART
fsr-3196	519	11	able	able	ADJ
fsr-3196	519	12	to	to	PART
fsr-3196	519	13	comment	comment	VERB
fsr-3196	519	14	on	on	ADP
fsr-3196	519	15	the	the	DET
fsr-3196	519	16	specific	specific	ADJ
fsr-3196	519	17	rationality	rationality	NOUN
fsr-3196	519	18	of	of	ADP
fsr-3196	519	19	the	the	DET
fsr-3196	519	20	individual	individual	ADJ
fsr-3196	519	21	respondent	respondent	NOUN
fsr-3196	519	22	’s	’s	PART
fsr-3196	519	23	decision	decision	NOUN
fsr-3196	519	24	to	to	PART
fsr-3196	519	25	lapse	lapse	VERB
fsr-3196	519	26	a	a	DET
fsr-3196	519	27	life	life	NOUN
fsr-3196	519	28	insurance	insurance	NOUN
fsr-3196	519	29	policy	policy	NOUN
fsr-3196	519	30	.	.	PUNCT
fsr-3196	520	1	with	with	ADP
fsr-3196	520	2	limitation	limitation	NOUN
fsr-3196	520	3	in	in	ADP
fsr-3196	520	4	the	the	DET
fsr-3196	520	5	data	datum	NOUN
fsr-3196	520	6	as	as	ADP
fsr-3196	520	7	to	to	ADP
fsr-3196	520	8	the	the	DET
fsr-3196	520	9	specific	specific	ADJ
fsr-3196	520	10	reason	reason	NOUN
fsr-3196	520	11	the	the	DET
fsr-3196	520	12	lapse	lapse	NOUN
fsr-3196	520	13	decision	decision	NOUN
fsr-3196	520	14	is	be	AUX
fsr-3196	520	15	being	be	AUX
fsr-3196	520	16	made	make	VERB
fsr-3196	520	17	,	,	PUNCT
fsr-3196	520	18	such	such	ADJ
fsr-3196	520	19	as	as	ADP
fsr-3196	520	20	loss	loss	NOUN
fsr-3196	520	21	of	of	ADP
fsr-3196	520	22	bequest	bequest	NOUN
fsr-3196	520	23	motive	motive	NOUN
fsr-3196	520	24	,	,	PUNCT
fsr-3196	520	25	income	income	NOUN
fsr-3196	520	26	shock	shock	NOUN
fsr-3196	520	27	,	,	PUNCT
fsr-3196	520	28	or	or	CCONJ
fsr-3196	520	29	health	health	NOUN
fsr-3196	520	30	shock	shock	NOUN
fsr-3196	520	31	(	(	PUNCT
fsr-3196	520	32	fang	fang	PROPN
fsr-3196	520	33	&	&	CCONJ
fsr-3196	520	34	kung	kung	PROPN
fsr-3196	520	35	,	,	PUNCT
fsr-3196	520	36	2012	2012	NUM
fsr-3196	520	37	)	)	PUNCT
fsr-3196	520	38	,	,	PUNCT
fsr-3196	520	39	we	we	PRON
fsr-3196	520	40	can	can	AUX
fsr-3196	520	41	only	only	ADV
fsr-3196	520	42	comment	comment	VERB
fsr-3196	520	43	in	in	ADP
fsr-3196	520	44	general	general	ADJ
fsr-3196	520	45	on	on	ADP
fsr-3196	520	46	the	the	DET
fsr-3196	520	47	rationality	rationality	NOUN
fsr-3196	520	48	of	of	ADP
fsr-3196	520	49	the	the	DET
fsr-3196	520	50	decisions	decision	NOUN
fsr-3196	520	51	made	make	VERB
fsr-3196	520	52	by	by	ADP
fsr-3196	520	53	older	old	ADJ
fsr-3196	520	54	policyholders	policyholder	NOUN
fsr-3196	520	55	.	.	PUNCT
fsr-3196	521	1	our	our	PRON
fsr-3196	521	2	results	result	NOUN
fsr-3196	521	3	support	support	VERB
fsr-3196	521	4	prior	prior	ADJ
fsr-3196	521	5	literature	literature	NOUN
fsr-3196	521	6	in	in	ADP
fsr-3196	521	7	several	several	ADJ
fsr-3196	521	8	ways	way	NOUN
fsr-3196	521	9	.	.	PUNCT
fsr-3196	522	1	in	in	ADP
fsr-3196	522	2	the	the	DET
fsr-3196	522	3	area	area	NOUN
fsr-3196	522	4	of	of	ADP
fsr-3196	522	5	life	life	NOUN
fsr-3196	522	6	cycle	cycle	NOUN
fsr-3196	522	7	theory	theory	NOUN
fsr-3196	522	8	,	,	PUNCT
fsr-3196	522	9	we	we	PRON
fsr-3196	522	10	find	find	VERB
fsr-3196	522	11	that	that	SCONJ
fsr-3196	522	12	a	a	DET
fsr-3196	522	13	greater	great	ADJ
fsr-3196	522	14	proportion	proportion	NOUN
fsr-3196	522	15	of	of	ADP
fsr-3196	522	16	policyholders	policyholder	NOUN
fsr-3196	522	17	are	be	AUX
fsr-3196	522	18	making	make	VERB
fsr-3196	522	19	the	the	DET
fsr-3196	522	20	decision	decision	NOUN
fsr-3196	522	21	to	to	PART
fsr-3196	522	22	lapse	lapse	NOUN
fsr-3196	522	23	life	life	NOUN
fsr-3196	522	24	insurance	insurance	NOUN
fsr-3196	522	25	in	in	ADP
fsr-3196	522	26	the	the	DET
fsr-3196	522	27	time	time	NOUN
fsr-3196	522	28	frame	frame	NOUN
fsr-3196	522	29	surrounding	surround	VERB
fsr-3196	522	30	when	when	SCONJ
fsr-3196	522	31	we	we	PRON
fsr-3196	522	32	see	see	VERB
fsr-3196	522	33	u.s	u.s	PROPN
fsr-3196	522	34	.	.	PROPN
fsr-3196	522	35	workers	worker	NOUN
fsr-3196	522	36	transition	transition	VERB
fsr-3196	522	37	from	from	ADP
fsr-3196	522	38	the	the	DET
fsr-3196	522	39	labor	labor	NOUN
fsr-3196	522	40	force	force	NOUN
fsr-3196	522	41	to	to	ADP
fsr-3196	522	42	retirement	retirement	NOUN
fsr-3196	522	43	,	,	PUNCT
fsr-3196	522	44	typically	typically	ADV
fsr-3196	522	45	in	in	ADP
fsr-3196	522	46	the	the	DET
fsr-3196	522	47	age	age	NOUN
fsr-3196	522	48	60	60	NUM
fsr-3196	522	49	to	to	PART
fsr-3196	522	50	age	age	NOUN
fsr-3196	522	51	64	64	NUM
fsr-3196	522	52	timeframe	timeframe	NOUN
fsr-3196	522	53	(	(	PUNCT
fsr-3196	522	54	brown	brown	NOUN
fsr-3196	522	55	,	,	PUNCT
fsr-3196	522	56	2013	2013	NUM
fsr-3196	522	57	)	)	PUNCT
fsr-3196	522	58	.	.	PUNCT
fsr-3196	523	1	our	our	PRON
fsr-3196	523	2	results	result	NOUN
fsr-3196	523	3	suggest	suggest	VERB
fsr-3196	523	4	,	,	PUNCT
fsr-3196	523	5	though	though	SCONJ
fsr-3196	523	6	just	just	ADV
fsr-3196	523	7	beyond	beyond	ADP
fsr-3196	523	8	the	the	DET
fsr-3196	523	9	typical	typical	ADJ
fsr-3196	523	10	level	level	NOUN
fsr-3196	523	11	of	of	ADP
fsr-3196	523	12	significance	significance	NOUN
fsr-3196	523	13	,	,	PUNCT
fsr-3196	523	14	that	that	SCONJ
fsr-3196	523	15	in	in	ADP
fsr-3196	523	16	comparison	comparison	NOUN
fsr-3196	523	17	,	,	PUNCT
fsr-3196	523	18	policyholders	policyholder	NOUN
fsr-3196	523	19	who	who	PRON
fsr-3196	523	20	are	be	AUX
fsr-3196	523	21	well	well	ADV
fsr-3196	523	22	into	into	ADP
fsr-3196	523	23	their	their	PRON
fsr-3196	523	24	retirement	retirement	NOUN
fsr-3196	523	25	years	year	NOUN
fsr-3196	523	26	are	be	AUX
fsr-3196	523	27	less	less	ADV
fsr-3196	523	28	likely	likely	ADJ
fsr-3196	523	29	to	to	PART
fsr-3196	523	30	lapse	lapse	VERB
fsr-3196	523	31	their	their	PRON
fsr-3196	523	32	policies	policy	NOUN
fsr-3196	523	33	,	,	PUNCT
fsr-3196	523	34	possibly	possibly	ADV
fsr-3196	523	35	to	to	PART
fsr-3196	523	36	meet	meet	VERB
fsr-3196	523	37	bequest	bequest	NOUN
fsr-3196	523	38	or	or	CCONJ
fsr-3196	523	39	end	end	NOUN
fsr-3196	523	40	-	-	PUNCT
fsr-3196	523	41	of	of	ADP
fsr-3196	523	42	-	-	PUNCT
fsr-3196	523	43	life	life	NOUN
fsr-3196	523	44	expenses	expense	NOUN
fsr-3196	523	45	.	.	PUNCT
fsr-3196	524	1	while	while	SCONJ
fsr-3196	524	2	it	it	PRON
fsr-3196	524	3	is	be	AUX
fsr-3196	524	4	not	not	PART
fsr-3196	524	5	the	the	DET
fsr-3196	524	6	focus	focus	NOUN
fsr-3196	524	7	of	of	ADP
fsr-3196	524	8	our	our	PRON
fsr-3196	524	9	study	study	NOUN
fsr-3196	524	10	,	,	PUNCT
fsr-3196	524	11	we	we	PRON
fsr-3196	524	12	find	find	VERB
fsr-3196	524	13	some	some	DET
fsr-3196	524	14	evidence	evidence	NOUN
fsr-3196	524	15	supporting	support	VERB
fsr-3196	524	16	the	the	DET
fsr-3196	524	17	efh	efh	NOUN
fsr-3196	524	18	.	.	PUNCT
fsr-3196	525	1	while	while	SCONJ
fsr-3196	525	2	controlling	control	VERB
fsr-3196	525	3	for	for	ADP
fsr-3196	525	4	cognitive	cognitive	ADJ
fsr-3196	525	5	ability	ability	NOUN
fsr-3196	525	6	,	,	PUNCT
fsr-3196	525	7	we	we	PRON
fsr-3196	525	8	find	find	VERB
fsr-3196	525	9	policyholders	policyholder	NOUN
fsr-3196	525	10	have	have	VERB
fsr-3196	525	11	an	an	DET
fsr-3196	525	12	increased	increase	VERB
fsr-3196	525	13	likelihood	likelihood	NOUN
fsr-3196	525	14	of	of	ADP
fsr-3196	525	15	lapsing	lapse	VERB
fsr-3196	525	16	a	a	DET
fsr-3196	525	17	policy	policy	NOUN
fsr-3196	525	18	in	in	ADP
fsr-3196	525	19	the	the	DET
fsr-3196	525	20	face	face	NOUN
fsr-3196	525	21	of	of	ADP
fsr-3196	525	22	rising	rise	VERB
fsr-3196	525	23	household	household	NOUN
fsr-3196	525	24	debt	debt	NOUN
fsr-3196	525	25	.	.	PUNCT
fsr-3196	526	1	conversely	conversely	ADV
fsr-3196	526	2	,	,	PUNCT
fsr-3196	526	3	we	we	PRON
fsr-3196	526	4	find	find	VERB
fsr-3196	526	5	that	that	SCONJ
fsr-3196	526	6	those	those	DET
fsr-3196	526	7	policyholders	policyholder	NOUN
fsr-3196	526	8	with	with	ADP
fsr-3196	526	9	higher	high	ADJ
fsr-3196	526	10	levels	level	NOUN
fsr-3196	526	11	of	of	ADP
fsr-3196	526	12	net	net	ADJ
fsr-3196	526	13	worth	worth	NOUN
fsr-3196	526	14	are	be	AUX
fsr-3196	526	15	less	less	ADV
fsr-3196	526	16	likely	likely	ADJ
fsr-3196	526	17	to	to	PART
fsr-3196	526	18	lapse	lapse	VERB
fsr-3196	526	19	a	a	DET
fsr-3196	526	20	policy	policy	NOUN
fsr-3196	526	21	.	.	PUNCT
fsr-3196	527	1	income	income	NOUN
fsr-3196	527	2	level	level	NOUN
fsr-3196	527	3	is	be	AUX
fsr-3196	527	4	not	not	PART
fsr-3196	527	5	significant	significant	ADJ
fsr-3196	527	6	in	in	ADP
fsr-3196	527	7	our	our	PRON
fsr-3196	527	8	model	model	NOUN
fsr-3196	527	9	.	.	PUNCT
fsr-3196	528	1	we	we	PRON
fsr-3196	528	2	do	do	AUX
fsr-3196	528	3	not	not	PART
fsr-3196	528	4	find	find	VERB
fsr-3196	528	5	evidence	evidence	NOUN
fsr-3196	528	6	that	that	SCONJ
fsr-3196	528	7	income	income	NOUN
fsr-3196	528	8	shock	shock	NOUN
fsr-3196	528	9	at	at	ADP
fsr-3196	528	10	the	the	DET
fsr-3196	528	11	level	level	NOUN
fsr-3196	528	12	we	we	PRON
fsr-3196	528	13	specify	specify	VERB
fsr-3196	528	14	impacts	impact	VERB
fsr-3196	528	15	the	the	DET
fsr-3196	528	16	decision	decision	NOUN
fsr-3196	528	17	to	to	PART
fsr-3196	528	18	lapse	lapse	VERB
fsr-3196	528	19	a	a	DET
fsr-3196	528	20	policy	policy	NOUN
fsr-3196	528	21	,	,	PUNCT
fsr-3196	528	22	which	which	PRON
fsr-3196	528	23	is	be	AUX
fsr-3196	528	24	likely	likely	ADJ
fsr-3196	528	25	a	a	DET
fsr-3196	528	26	result	result	NOUN
fsr-3196	528	27	of	of	ADP
fsr-3196	528	28	the	the	DET
fsr-3196	528	29	level	level	NOUN
fsr-3196	528	30	of	of	ADP
fsr-3196	528	31	shock	shock	NOUN
fsr-3196	528	32	chosen	choose	VERB
fsr-3196	528	33	.	.	PUNCT
fsr-3196	529	1	it	it	PRON
fsr-3196	529	2	is	be	AUX
fsr-3196	529	3	in	in	ADP
fsr-3196	529	4	the	the	DET
fsr-3196	529	5	presence	presence	NOUN
fsr-3196	529	6	of	of	ADP
fsr-3196	529	7	very	very	ADV
fsr-3196	529	8	large	large	ADJ
fsr-3196	529	9	income	income	NOUN
fsr-3196	529	10	shocks	shock	NOUN
fsr-3196	529	11	that	that	SCONJ
fsr-3196	529	12	prior	prior	ADJ
fsr-3196	529	13	literature	literature	NOUN
fsr-3196	529	14	finds	find	VERB
fsr-3196	529	15	income	income	NOUN
fsr-3196	529	16	shock	shock	NOUN
fsr-3196	529	17	to	to	PART
fsr-3196	529	18	be	be	AUX
fsr-3196	529	19	a	a	DET
fsr-3196	529	20	significant	significant	ADJ
fsr-3196	529	21	factor	factor	NOUN
fsr-3196	529	22	in	in	ADP
fsr-3196	529	23	life	life	NOUN
fsr-3196	529	24	insurance	insurance	NOUN
fsr-3196	529	25	lapse	lapse	NOUN
fsr-3196	529	26	(	(	PUNCT
fsr-3196	529	27	fier	fier	X
fsr-3196	529	28	&	&	CCONJ
fsr-3196	529	29	liebenberg	liebenberg	PROPN
fsr-3196	529	30	,	,	PUNCT
fsr-3196	529	31	2013	2013	NUM
fsr-3196	529	32	;	;	PUNCT
fsr-3196	529	33	liebenberg	liebenberg	PROPN
fsr-3196	529	34	et	et	PROPN
fsr-3196	529	35	al	al	PROPN
fsr-3196	529	36	.	.	PROPN
fsr-3196	529	37	,	,	PUNCT
fsr-3196	529	38	2012	2012	NUM
fsr-3196	529	39	)	)	PUNCT
fsr-3196	529	40	.	.	PUNCT
fsr-3196	530	1	our	our	PRON
fsr-3196	530	2	findings	finding	NOUN
fsr-3196	530	3	in	in	ADP
fsr-3196	530	4	this	this	DET
fsr-3196	530	5	model	model	NOUN
fsr-3196	530	6	indicate	indicate	VERB
fsr-3196	530	7	that	that	SCONJ
fsr-3196	530	8	those	those	DET
fsr-3196	530	9	individuals	individual	NOUN
fsr-3196	530	10	with	with	ADP
fsr-3196	530	11	household	household	NOUN
fsr-3196	530	12	net	net	NOUN
fsr-3196	530	13	worth	worth	NOUN
fsr-3196	530	14	above	above	ADP
fsr-3196	530	15	the	the	DET
fsr-3196	530	16	2010	2010	NUM
fsr-3196	530	17	tax	tax	NOUN
fsr-3196	530	18	exemption	exemption	NOUN
fsr-3196	530	19	limit	limit	NOUN
fsr-3196	530	20	of	of	ADP
fsr-3196	530	21	$	$	SYM
fsr-3196	530	22	5	5	NUM
fsr-3196	530	23	million	million	NUM
fsr-3196	530	24	are	be	AUX
fsr-3196	530	25	twice	twice	ADV
fsr-3196	530	26	as	as	ADV
fsr-3196	530	27	likely	likely	ADJ
fsr-3196	530	28	to	to	PART
fsr-3196	530	29	lapse	lapse	VERB
fsr-3196	530	30	their	their	PRON
fsr-3196	530	31	policy	policy	NOUN
fsr-3196	530	32	as	as	ADP
fsr-3196	530	33	those	those	PRON
fsr-3196	530	34	with	with	ADP
fsr-3196	530	35	net	net	ADJ
fsr-3196	530	36	worth	worth	NOUN
fsr-3196	530	37	below	below	ADP
fsr-3196	530	38	the	the	DET
fsr-3196	530	39	exemption	exemption	NOUN
fsr-3196	530	40	limit	limit	NOUN
fsr-3196	530	41	.	.	PUNCT
fsr-3196	531	1	this	this	DET
fsr-3196	531	2	result	result	NOUN
fsr-3196	531	3	is	be	AUX
fsr-3196	531	4	counter	counter	ADJ
fsr-3196	531	5	to	to	ADP
fsr-3196	531	6	prior	prior	ADJ
fsr-3196	531	7	research	research	NOUN
fsr-3196	531	8	that	that	PRON
fsr-3196	531	9	finds	find	VERB
fsr-3196	531	10	estate	estate	NOUN
fsr-3196	531	11	tax	tax	NOUN
fsr-3196	531	12	-	-	PUNCT
fsr-3196	531	13	vulnerable	vulnerable	ADJ
fsr-3196	531	14	households	household	NOUN
fsr-3196	531	15	are	be	AUX
fsr-3196	531	16	more	more	ADV
fsr-3196	531	17	likely	likely	ADJ
fsr-3196	531	18	to	to	PART
fsr-3196	531	19	own	own	VERB
fsr-3196	531	20	cash	cash	NOUN
fsr-3196	531	21	value	value	NOUN
fsr-3196	531	22	life	life	NOUN
fsr-3196	531	23	insurance	insurance	NOUN
fsr-3196	531	24	(	(	PUNCT
fsr-3196	531	25	mulholland	mulholland	NOUN
fsr-3196	531	26	et	et	PROPN
fsr-3196	531	27	al	al	PROPN
fsr-3196	531	28	.	.	PROPN
fsr-3196	531	29	,	,	PUNCT
fsr-3196	531	30	2016	2016	NUM
fsr-3196	531	31	)	)	PUNCT
fsr-3196	531	32	.	.	PUNCT
fsr-3196	532	1	while	while	SCONJ
fsr-3196	532	2	on	on	ADP
fsr-3196	532	3	the	the	DET
fsr-3196	532	4	surface	surface	NOUN
fsr-3196	532	5	this	this	PRON
fsr-3196	532	6	may	may	AUX
fsr-3196	532	7	be	be	AUX
fsr-3196	532	8	a	a	DET
fsr-3196	532	9	puzzling	puzzling	ADJ
fsr-3196	532	10	result	result	NOUN
fsr-3196	532	11	,	,	PUNCT
fsr-3196	532	12	we	we	PRON
fsr-3196	532	13	suggest	suggest	VERB
fsr-3196	532	14	92	92	NUM
fsr-3196	532	15	b.	b.	PROPN
fsr-3196	532	16	s.	s.	PROPN
fsr-3196	532	17	mulholland	mulholland	PROPN
fsr-3196	532	18	and	and	CCONJ
fsr-3196	532	19	m.	m.	PROPN
fsr-3196	532	20	s.	s.	PROPN
fsr-3196	532	21	finke	finke	PROPN
fsr-3196	532	22	/	/	SYM
fsr-3196	532	23	financial	financial	ADJ
fsr-3196	532	24	services	service	NOUN
fsr-3196	532	25	review	review	VERB
fsr-3196	532	26	31	31	NUM
fsr-3196	532	27	(	(	PUNCT
fsr-3196	532	28	2023	2023	NUM
fsr-3196	532	29	)	)	PUNCT
fsr-3196	533	1	73–96	73–96	NUM
fsr-3196	533	2	this	this	DET
fsr-3196	533	3	result	result	NOUN
fsr-3196	533	4	may	may	AUX
fsr-3196	533	5	be	be	AUX
fsr-3196	533	6	an	an	DET
fsr-3196	533	7	artifact	artifact	NOUN
fsr-3196	533	8	of	of	ADP
fsr-3196	533	9	the	the	DET
fsr-3196	533	10	data	datum	NOUN
fsr-3196	533	11	.	.	PUNCT
fsr-3196	534	1	in	in	ADP
fsr-3196	534	2	the	the	DET
fsr-3196	534	3	prior	prior	ADJ
fsr-3196	534	4	study	study	NOUN
fsr-3196	534	5	,	,	PUNCT
fsr-3196	534	6	mulholland	mulholland	PROPN
fsr-3196	534	7	et	et	PROPN
fsr-3196	534	8	al	al	PROPN
fsr-3196	534	9	.	.	PUNCT
fsr-3196	535	1	use	use	VERB
fsr-3196	535	2	multiple	multiple	ADJ
fsr-3196	535	3	years	year	NOUN
fsr-3196	535	4	of	of	ADP
fsr-3196	535	5	cross	cross	ADJ
fsr-3196	535	6	-	-	ADJ
fsr-3196	535	7	sectional	sectional	ADJ
fsr-3196	535	8	data	datum	NOUN
fsr-3196	535	9	incorporating	incorporate	VERB
fsr-3196	535	10	multiple	multiple	ADJ
fsr-3196	535	11	waves	wave	NOUN
fsr-3196	535	12	of	of	ADP
fsr-3196	535	13	the	the	DET
fsr-3196	535	14	survey	survey	NOUN
fsr-3196	535	15	of	of	ADP
fsr-3196	535	16	consumer	consumer	NOUN
fsr-3196	535	17	finances	finance	NOUN
fsr-3196	535	18	(	(	PUNCT
fsr-3196	535	19	scf	scf	PROPN
fsr-3196	535	20	)	)	PUNCT
fsr-3196	535	21	to	to	PART
fsr-3196	535	22	explore	explore	VERB
fsr-3196	535	23	the	the	DET
fsr-3196	535	24	relationship	relationship	NOUN
fsr-3196	535	25	of	of	ADP
fsr-3196	535	26	life	life	NOUN
fsr-3196	535	27	insurance	insurance	NOUN
fsr-3196	535	28	demand	demand	NOUN
fsr-3196	535	29	to	to	PART
fsr-3196	535	30	estate	estate	VERB
fsr-3196	535	31	tax	tax	NOUN
fsr-3196	535	32	vulnerability	vulnerability	NOUN
fsr-3196	535	33	.	.	PUNCT
fsr-3196	536	1	the	the	DET
fsr-3196	536	2	2010	2010	NUM
fsr-3196	536	3	wave	wave	NOUN
fsr-3196	536	4	of	of	ADP
fsr-3196	536	5	the	the	DET
fsr-3196	536	6	scf	scf	PROPN
fsr-3196	536	7	was	be	AUX
fsr-3196	536	8	one	one	NUM
fsr-3196	536	9	of	of	ADP
fsr-3196	536	10	seven	seven	NUM
fsr-3196	536	11	waves	wave	NOUN
fsr-3196	536	12	used	use	VERB
fsr-3196	536	13	.	.	PUNCT
fsr-3196	537	1	in	in	ADP
fsr-3196	537	2	contrast	contrast	NOUN
fsr-3196	537	3	,	,	PUNCT
fsr-3196	537	4	our	our	PRON
fsr-3196	537	5	study	study	NOUN
fsr-3196	537	6	uses	use	VERB
fsr-3196	537	7	only	only	ADV
fsr-3196	537	8	the	the	DET
fsr-3196	537	9	2010	2010	NUM
fsr-3196	537	10	cross	cross	NOUN
fsr-3196	537	11	section	section	NOUN
fsr-3196	537	12	of	of	ADP
fsr-3196	537	13	the	the	DET
fsr-3196	537	14	hrs	hrs	NOUN
fsr-3196	537	15	.	.	PUNCT
fsr-3196	538	1	this	this	PRON
fsr-3196	538	2	is	be	AUX
fsr-3196	538	3	important	important	ADJ
fsr-3196	538	4	because	because	SCONJ
fsr-3196	538	5	2010	2010	NUM
fsr-3196	538	6	was	be	AUX
fsr-3196	538	7	a	a	DET
fsr-3196	538	8	unique	unique	ADJ
fsr-3196	538	9	year	year	NOUN
fsr-3196	538	10	for	for	ADP
fsr-3196	538	11	estate	estate	NOUN
fsr-3196	538	12	tax	tax	NOUN
fsr-3196	538	13	laws	law	NOUN
fsr-3196	538	14	in	in	ADP
fsr-3196	538	15	the	the	DET
fsr-3196	538	16	united	united	PROPN
fsr-3196	538	17	states	states	PROPN
fsr-3196	538	18	.	.	PUNCT
fsr-3196	539	1	the	the	DET
fsr-3196	539	2	egtrra-2001	egtrra-2001	NOUN
fsr-3196	539	3	eliminated	eliminate	VERB
fsr-3196	539	4	the	the	DET
fsr-3196	539	5	estate	estate	NOUN
fsr-3196	539	6	taxes	taxis	NOUN
fsr-3196	539	7	in	in	ADP
fsr-3196	539	8	2010	2010	NUM
fsr-3196	539	9	while	while	SCONJ
fsr-3196	539	10	also	also	ADV
fsr-3196	539	11	making	make	VERB
fsr-3196	539	12	all	all	DET
fsr-3196	539	13	assets	asset	NOUN
fsr-3196	539	14	subject	subject	ADJ
fsr-3196	539	15	to	to	ADP
fsr-3196	539	16	capital	capital	NOUN
fsr-3196	539	17	gains	gain	NOUN
fsr-3196	539	18	taxes	taxis	NOUN
fsr-3196	539	19	.	.	PUNCT
fsr-3196	540	1	this	this	PRON
fsr-3196	540	2	changed	change	VERB
fsr-3196	540	3	the	the	DET
fsr-3196	540	4	tax	tax	NOUN
fsr-3196	540	5	rates	rate	NOUN
fsr-3196	540	6	for	for	ADP
fsr-3196	540	7	estate	estate	NOUN
fsr-3196	540	8	transfers	transfer	NOUN
fsr-3196	540	9	.	.	PUNCT
fsr-3196	541	1	for	for	ADP
fsr-3196	541	2	those	those	DET
fsr-3196	541	3	households	household	NOUN
fsr-3196	541	4	that	that	PRON
fsr-3196	541	5	were	be	AUX
fsr-3196	541	6	vulnerable	vulnerable	ADJ
fsr-3196	541	7	to	to	ADP
fsr-3196	541	8	estate	estate	NOUN
fsr-3196	541	9	taxation	taxation	NOUN
fsr-3196	541	10	,	,	PUNCT
fsr-3196	541	11	this	this	PRON
fsr-3196	541	12	may	may	AUX
fsr-3196	541	13	have	have	AUX
fsr-3196	541	14	encouraged	encourage	VERB
fsr-3196	541	15	them	they	PRON
fsr-3196	541	16	to	to	PART
fsr-3196	541	17	reoptimize	reoptimize	VERB
fsr-3196	541	18	their	their	PRON
fsr-3196	541	19	life	life	NOUN
fsr-3196	541	20	insurance	insurance	NOUN
fsr-3196	541	21	coverage	coverage	NOUN
fsr-3196	541	22	,	,	PUNCT
fsr-3196	541	23	an	an	DET
fsr-3196	541	24	area	area	NOUN
fsr-3196	541	25	of	of	ADP
fsr-3196	541	26	life	life	NOUN
fsr-3196	541	27	insurance	insurance	NOUN
fsr-3196	541	28	lapse	lapse	NOUN
fsr-3196	541	29	theory	theory	NOUN
fsr-3196	541	30	covered	cover	VERB
fsr-3196	541	31	by	by	ADP
fsr-3196	541	32	the	the	DET
fsr-3196	541	33	prh	prh	NOUN
fsr-3196	541	34	.	.	PUNCT
fsr-3196	542	1	this	this	PRON
fsr-3196	542	2	is	be	AUX
fsr-3196	542	3	an	an	DET
fsr-3196	542	4	area	area	NOUN
fsr-3196	542	5	that	that	PRON
fsr-3196	542	6	should	should	AUX
fsr-3196	542	7	be	be	AUX
fsr-3196	542	8	considered	consider	VERB
fsr-3196	542	9	for	for	ADP
fsr-3196	542	10	future	future	ADJ
fsr-3196	542	11	study	study	NOUN
fsr-3196	542	12	.	.	PUNCT
fsr-3196	543	1	we	we	PRON
fsr-3196	543	2	also	also	ADV
fsr-3196	543	3	find	find	VERB
fsr-3196	543	4	new	new	ADJ
fsr-3196	543	5	evidence	evidence	NOUN
fsr-3196	543	6	that	that	SCONJ
fsr-3196	543	7	policyholders	policyholder	NOUN
fsr-3196	543	8	who	who	PRON
fsr-3196	543	9	had	have	VERB
fsr-3196	543	10	one	one	NUM
fsr-3196	543	11	or	or	CCONJ
fsr-3196	543	12	more	more	ADJ
fsr-3196	543	13	children	child	NOUN
fsr-3196	543	14	recently	recently	ADV
fsr-3196	543	15	move	move	VERB
fsr-3196	543	16	home	home	ADV
fsr-3196	543	17	to	to	PART
fsr-3196	543	18	live	live	VERB
fsr-3196	543	19	with	with	ADP
fsr-3196	543	20	them	they	PRON
fsr-3196	543	21	are	be	AUX
fsr-3196	543	22	much	much	ADV
fsr-3196	543	23	more	more	ADV
fsr-3196	543	24	likely	likely	ADJ
fsr-3196	543	25	to	to	PART
fsr-3196	543	26	lapse	lapse	VERB
fsr-3196	543	27	a	a	DET
fsr-3196	543	28	policy	policy	NOUN
fsr-3196	543	29	.	.	PUNCT
fsr-3196	544	1	certainly	certainly	ADV
fsr-3196	544	2	,	,	PUNCT
fsr-3196	544	3	there	there	PRON
fsr-3196	544	4	may	may	AUX
fsr-3196	544	5	be	be	AUX
fsr-3196	544	6	an	an	DET
fsr-3196	544	7	added	add	VERB
fsr-3196	544	8	expense	expense	NOUN
fsr-3196	544	9	component	component	NOUN
fsr-3196	544	10	in	in	ADP
fsr-3196	544	11	the	the	DET
fsr-3196	544	12	household	household	NOUN
fsr-3196	544	13	and	and	CCONJ
fsr-3196	544	14	we	we	PRON
fsr-3196	544	15	suggest	suggest	VERB
fsr-3196	544	16	this	this	PRON
fsr-3196	544	17	is	be	AUX
fsr-3196	544	18	very	very	ADV
fsr-3196	544	19	similar	similar	ADJ
fsr-3196	544	20	to	to	ADP
fsr-3196	544	21	an	an	DET
fsr-3196	544	22	income	income	NOUN
fsr-3196	544	23	shock	shock	NOUN
fsr-3196	544	24	.	.	PUNCT
fsr-3196	545	1	however	however	ADV
fsr-3196	545	2	,	,	PUNCT
fsr-3196	545	3	this	this	PRON
fsr-3196	545	4	raises	raise	VERB
fsr-3196	545	5	some	some	DET
fsr-3196	545	6	interesting	interesting	ADJ
fsr-3196	545	7	questions	question	NOUN
fsr-3196	545	8	due	due	ADJ
fsr-3196	545	9	to	to	ADP
fsr-3196	545	10	of	of	ADP
fsr-3196	545	11	the	the	DET
fsr-3196	545	12	nature	nature	NOUN
fsr-3196	545	13	of	of	ADP
fsr-3196	545	14	the	the	DET
fsr-3196	545	15	“	"	PUNCT
fsr-3196	545	16	expense	expense	NOUN
fsr-3196	545	17	shock	shock	NOUN
fsr-3196	545	18	.	.	PUNCT
fsr-3196	545	19	”	"	PUNCT
fsr-3196	546	1	are	be	AUX
fsr-3196	546	2	parents	parent	NOUN
fsr-3196	546	3	foregoing	forego	VERB
fsr-3196	546	4	a	a	DET
fsr-3196	546	5	typical	typical	ADJ
fsr-3196	546	6	bequest	bequest	NOUN
fsr-3196	546	7	desire	desire	NOUN
fsr-3196	546	8	in	in	ADP
fsr-3196	546	9	exchange	exchange	NOUN
fsr-3196	546	10	for	for	ADP
fsr-3196	546	11	current	current	ADJ
fsr-3196	546	12	joint	joint	ADJ
fsr-3196	546	13	utility	utility	NOUN
fsr-3196	546	14	associated	associate	VERB
fsr-3196	546	15	with	with	ADP
fsr-3196	546	16	helping	help	VERB
fsr-3196	546	17	their	their	PRON
fsr-3196	546	18	child	child	NOUN
fsr-3196	546	19	?	?	PUNCT
fsr-3196	547	1	if	if	SCONJ
fsr-3196	547	2	the	the	DET
fsr-3196	547	3	child	child	NOUN
fsr-3196	547	4	knew	know	VERB
fsr-3196	547	5	about	about	ADP
fsr-3196	547	6	the	the	DET
fsr-3196	547	7	exchange	exchange	NOUN
fsr-3196	547	8	of	of	ADP
fsr-3196	547	9	utility	utility	NOUN
fsr-3196	547	10	by	by	ADP
fsr-3196	547	11	the	the	DET
fsr-3196	547	12	parent	parent	NOUN
fsr-3196	547	13	and	and	CCONJ
fsr-3196	547	14	the	the	DET
fsr-3196	547	15	impact	impact	NOUN
fsr-3196	547	16	it	it	PRON
fsr-3196	547	17	is	be	AUX
fsr-3196	547	18	having	have	VERB
fsr-3196	547	19	on	on	ADP
fsr-3196	547	20	the	the	DET
fsr-3196	547	21	child	child	NOUN
fsr-3196	547	22	’s	’s	PART
fsr-3196	547	23	own	own	ADJ
fsr-3196	547	24	present	present	ADJ
fsr-3196	547	25	and	and	CCONJ
fsr-3196	547	26	future	future	ADJ
fsr-3196	547	27	utility	utility	NOUN
fsr-3196	547	28	,	,	PUNCT
fsr-3196	547	29	would	would	AUX
fsr-3196	547	30	the	the	DET
fsr-3196	547	31	saliency	saliency	NOUN
fsr-3196	547	32	of	of	ADP
fsr-3196	547	33	that	that	DET
fsr-3196	547	34	exchange	exchange	NOUN
fsr-3196	547	35	affect	affect	VERB
fsr-3196	547	36	the	the	DET
fsr-3196	547	37	child	child	NOUN
fsr-3196	547	38	’s	’s	PART
fsr-3196	547	39	decision	decision	NOUN
fsr-3196	547	40	to	to	PART
fsr-3196	547	41	move	move	VERB
fsr-3196	547	42	home	home	ADV
fsr-3196	547	43	?	?	PUNCT
fsr-3196	548	1	finally	finally	ADV
fsr-3196	548	2	,	,	PUNCT
fsr-3196	548	3	if	if	SCONJ
fsr-3196	548	4	there	there	PRON
fsr-3196	548	5	are	be	VERB
fsr-3196	548	6	other	other	ADJ
fsr-3196	548	7	children	child	NOUN
fsr-3196	548	8	that	that	PRON
fsr-3196	548	9	would	would	AUX
fsr-3196	548	10	have	have	AUX
fsr-3196	548	11	benefited	benefit	VERB
fsr-3196	548	12	from	from	ADP
fsr-3196	548	13	the	the	DET
fsr-3196	548	14	life	life	NOUN
fsr-3196	548	15	insurance	insurance	NOUN
fsr-3196	548	16	proceeds	proceed	NOUN
fsr-3196	548	17	,	,	PUNCT
fsr-3196	548	18	the	the	DET
fsr-3196	548	19	loss	loss	NOUN
fsr-3196	548	20	of	of	ADP
fsr-3196	548	21	their	their	PRON
fsr-3196	548	22	share	share	NOUN
fsr-3196	548	23	of	of	ADP
fsr-3196	548	24	the	the	DET
fsr-3196	548	25	death	death	NOUN
fsr-3196	548	26	benefits	benefit	NOUN
fsr-3196	548	27	is	be	AUX
fsr-3196	548	28	effectively	effectively	ADV
fsr-3196	548	29	a	a	DET
fsr-3196	548	30	100	100	NUM
fsr-3196	548	31	%	%	NOUN
fsr-3196	548	32	tax	tax	NOUN
fsr-3196	548	33	on	on	ADP
fsr-3196	548	34	their	their	PRON
fsr-3196	548	35	proceeds	proceed	NOUN
fsr-3196	548	36	by	by	ADP
fsr-3196	548	37	their	their	PRON
fsr-3196	548	38	sibling	sibling	NOUN
fsr-3196	548	39	that	that	PRON
fsr-3196	548	40	moved	move	VERB
fsr-3196	548	41	home	home	ADV
fsr-3196	548	42	.	.	PUNCT
fsr-3196	549	1	understood	understand	VERB
fsr-3196	549	2	in	in	ADP
fsr-3196	549	3	this	this	DET
fsr-3196	549	4	manner	manner	NOUN
fsr-3196	549	5	,	,	PUNCT
fsr-3196	549	6	would	would	AUX
fsr-3196	549	7	the	the	DET
fsr-3196	549	8	parent	parent	NOUN
fsr-3196	549	9	make	make	VERB
fsr-3196	549	10	the	the	DET
fsr-3196	549	11	same	same	ADJ
fsr-3196	549	12	choice	choice	NOUN
fsr-3196	549	13	or	or	CCONJ
fsr-3196	549	14	would	would	AUX
fsr-3196	549	15	they	they	PRON
fsr-3196	549	16	have	have	AUX
fsr-3196	549	17	sought	seek	VERB
fsr-3196	549	18	policy	policy	NOUN
fsr-3196	549	19	support	support	NOUN
fsr-3196	549	20	from	from	ADP
fsr-3196	549	21	the	the	DET
fsr-3196	549	22	other	other	ADJ
fsr-3196	549	23	siblings	sibling	NOUN
fsr-3196	549	24	?	?	PUNCT
fsr-3196	550	1	the	the	DET
fsr-3196	550	2	interplay	interplay	NOUN
fsr-3196	550	3	of	of	ADP
fsr-3196	550	4	policy	policy	NOUN
fsr-3196	550	5	stakeholders	stakeholder	NOUN
fsr-3196	550	6	in	in	ADP
fsr-3196	550	7	the	the	DET
fsr-3196	550	8	lapse	lapse	NOUN
fsr-3196	550	9	decision	decision	NOUN
fsr-3196	550	10	is	be	AUX
fsr-3196	550	11	an	an	DET
fsr-3196	550	12	area	area	NOUN
fsr-3196	550	13	of	of	ADP
fsr-3196	550	14	possible	possible	ADJ
fsr-3196	550	15	future	future	ADJ
fsr-3196	550	16	research	research	NOUN
fsr-3196	550	17	that	that	PRON
fsr-3196	550	18	may	may	AUX
fsr-3196	550	19	reveal	reveal	VERB
fsr-3196	550	20	some	some	DET
fsr-3196	550	21	interesting	interesting	ADJ
fsr-3196	550	22	results	result	NOUN
fsr-3196	550	23	.	.	PUNCT
fsr-3196	551	1	our	our	PRON
fsr-3196	551	2	results	result	NOUN
fsr-3196	551	3	are	be	AUX
fsr-3196	551	4	important	important	ADJ
fsr-3196	551	5	to	to	ADP
fsr-3196	551	6	the	the	DET
fsr-3196	551	7	various	various	ADJ
fsr-3196	551	8	life	life	NOUN
fsr-3196	551	9	insurance	insurance	NOUN
fsr-3196	551	10	actors	actor	NOUN
fsr-3196	551	11	we	we	PRON
fsr-3196	551	12	discuss	discuss	VERB
fsr-3196	551	13	earlier	early	ADV
fsr-3196	551	14	in	in	ADP
fsr-3196	551	15	this	this	DET
fsr-3196	551	16	article	article	NOUN
fsr-3196	551	17	.	.	PUNCT
fsr-3196	552	1	for	for	ADP
fsr-3196	552	2	insurance	insurance	NOUN
fsr-3196	552	3	companies	company	NOUN
fsr-3196	552	4	,	,	PUNCT
fsr-3196	552	5	making	make	VERB
fsr-3196	552	6	tools	tool	NOUN
fsr-3196	552	7	available	available	ADJ
fsr-3196	552	8	to	to	ADP
fsr-3196	552	9	policyholders	policyholder	NOUN
fsr-3196	552	10	and	and	CCONJ
fsr-3196	552	11	advisors	advisor	NOUN
fsr-3196	552	12	that	that	PRON
fsr-3196	552	13	are	be	AUX
fsr-3196	552	14	targeted	target	VERB
fsr-3196	552	15	to	to	ADP
fsr-3196	552	16	the	the	DET
fsr-3196	552	17	different	different	ADJ
fsr-3196	552	18	levels	level	NOUN
fsr-3196	552	19	of	of	ADP
fsr-3196	552	20	numerical	numerical	ADJ
fsr-3196	552	21	ability	ability	NOUN
fsr-3196	552	22	may	may	AUX
fsr-3196	552	23	improve	improve	VERB
fsr-3196	552	24	policyholder	policyholder	NOUN
fsr-3196	552	25	decision	decision	NOUN
fsr-3196	552	26	-	-	PUNCT
fsr-3196	552	27	making	making	NOUN
fsr-3196	552	28	as	as	SCONJ
fsr-3196	552	29	they	they	PRON
fsr-3196	552	30	evaluate	evaluate	VERB
fsr-3196	552	31	their	their	PRON
fsr-3196	552	32	current	current	ADJ
fsr-3196	552	33	policies	policy	NOUN
fsr-3196	552	34	.	.	PUNCT
fsr-3196	553	1	for	for	ADP
fsr-3196	553	2	those	those	DET
fsr-3196	553	3	policyholders	policyholder	NOUN
fsr-3196	553	4	with	with	ADP
fsr-3196	553	5	lower	low	ADJ
fsr-3196	553	6	numerical	numerical	ADJ
fsr-3196	553	7	ability	ability	NOUN
fsr-3196	553	8	,	,	PUNCT
fsr-3196	553	9	the	the	DET
fsr-3196	553	10	current	current	ADJ
fsr-3196	553	11	in	in	ADP
fsr-3196	553	12	-	-	PUNCT
fsr-3196	553	13	force	force	NOUN
fsr-3196	553	14	ledger	ledger	NOUN
fsr-3196	553	15	illustrations	illustration	NOUN
fsr-3196	553	16	may	may	AUX
fsr-3196	553	17	confuse	confuse	VERB
fsr-3196	553	18	them	they	PRON
fsr-3196	553	19	to	to	ADP
fsr-3196	553	20	the	the	DET
fsr-3196	553	21	point	point	NOUN
fsr-3196	553	22	that	that	PRON
fsr-3196	553	23	they	they	PRON
fsr-3196	553	24	see	see	VERB
fsr-3196	553	25	lapse	lapse	NOUN
fsr-3196	553	26	as	as	ADP
fsr-3196	553	27	their	their	PRON
fsr-3196	553	28	best	good	ADJ
fsr-3196	553	29	,	,	PUNCT
fsr-3196	553	30	or	or	CCONJ
fsr-3196	553	31	only	only	ADV
fsr-3196	553	32	,	,	PUNCT
fsr-3196	553	33	option	option	NOUN
fsr-3196	553	34	.	.	PUNCT
fsr-3196	554	1	it	it	PRON
fsr-3196	554	2	is	be	AUX
fsr-3196	554	3	a	a	DET
fsr-3196	554	4	similar	similar	ADJ
fsr-3196	554	5	issue	issue	NOUN
fsr-3196	554	6	for	for	ADP
fsr-3196	554	7	regulators	regulator	NOUN
fsr-3196	554	8	who	who	PRON
fsr-3196	554	9	are	be	AUX
fsr-3196	554	10	charged	charge	VERB
fsr-3196	554	11	with	with	ADP
fsr-3196	554	12	protecting	protect	VERB
fsr-3196	554	13	consumers	consumer	NOUN
fsr-3196	554	14	.	.	PUNCT
fsr-3196	555	1	mandating	mandate	VERB
fsr-3196	555	2	education	education	NOUN
fsr-3196	555	3	and	and	CCONJ
fsr-3196	555	4	protection	protection	NOUN
fsr-3196	555	5	tools	tool	NOUN
fsr-3196	555	6	that	that	PRON
fsr-3196	555	7	are	be	AUX
fsr-3196	555	8	sensitive	sensitive	ADJ
fsr-3196	555	9	to	to	ADP
fsr-3196	555	10	the	the	DET
fsr-3196	555	11	policyholder	policyholder	NOUN
fsr-3196	555	12	’s	’s	PART
fsr-3196	555	13	cognitive	cognitive	ADJ
fsr-3196	555	14	ability	ability	NOUN
fsr-3196	555	15	should	should	AUX
fsr-3196	555	16	provide	provide	VERB
fsr-3196	555	17	better	well	ADJ
fsr-3196	555	18	protection	protection	NOUN
fsr-3196	555	19	for	for	ADP
fsr-3196	555	20	consumers	consumer	NOUN
fsr-3196	555	21	.	.	PUNCT
fsr-3196	556	1	for	for	ADP
fsr-3196	556	2	advisors	advisor	NOUN
fsr-3196	556	3	,	,	PUNCT
fsr-3196	556	4	a	a	DET
fsr-3196	556	5	better	well	ADJ
fsr-3196	556	6	understanding	understanding	NOUN
fsr-3196	556	7	of	of	ADP
fsr-3196	556	8	the	the	DET
fsr-3196	556	9	cognitive	cognitive	ADJ
fsr-3196	556	10	ability	ability	NOUN
fsr-3196	556	11	of	of	ADP
fsr-3196	556	12	their	their	PRON
fsr-3196	556	13	clients	client	NOUN
fsr-3196	556	14	or	or	CCONJ
fsr-3196	556	15	prospects	prospect	NOUN
fsr-3196	556	16	should	should	AUX
fsr-3196	556	17	allow	allow	VERB
fsr-3196	556	18	the	the	DET
fsr-3196	556	19	advisor	advisor	NOUN
fsr-3196	556	20	to	to	PART
fsr-3196	556	21	tailor	tailor	VERB
fsr-3196	556	22	the	the	DET
fsr-3196	556	23	advice	advice	NOUN
fsr-3196	556	24	to	to	PART
fsr-3196	556	25	better	well	ADV
fsr-3196	556	26	meet	meet	VERB
fsr-3196	556	27	the	the	DET
fsr-3196	556	28	consumer	consumer	NOUN
fsr-3196	556	29	’s	’s	PART
fsr-3196	556	30	ability	ability	NOUN
fsr-3196	556	31	to	to	PART
fsr-3196	556	32	understand	understand	VERB
fsr-3196	556	33	it	it	PRON
fsr-3196	556	34	.	.	PUNCT
fsr-3196	557	1	if	if	SCONJ
fsr-3196	557	2	consumers	consumer	NOUN
fsr-3196	557	3	are	be	AUX
fsr-3196	557	4	better	well	ADV
fsr-3196	557	5	informed	inform	VERB
fsr-3196	557	6	,	,	PUNCT
fsr-3196	557	7	the	the	DET
fsr-3196	557	8	advisors	advisor	NOUN
fsr-3196	557	9	are	be	AUX
fsr-3196	557	10	less	less	ADV
fsr-3196	557	11	likely	likely	ADJ
fsr-3196	557	12	to	to	ADP
fsr-3196	557	13	the	the	DET
fsr-3196	557	14	face	face	NOUN
fsr-3196	557	15	legal	legal	ADJ
fsr-3196	557	16	issues	issue	NOUN
fsr-3196	557	17	like	like	ADP
fsr-3196	557	18	those	those	PRON
fsr-3196	557	19	that	that	PRON
fsr-3196	557	20	glenn	glenn	PROPN
fsr-3196	557	21	neasham	neasham	PROPN
fsr-3196	557	22	was	be	AUX
fsr-3196	557	23	forced	force	VERB
fsr-3196	557	24	to	to	PART
fsr-3196	557	25	endure	endure	VERB
fsr-3196	557	26	.	.	PUNCT
fsr-3196	558	1	we	we	PRON
fsr-3196	558	2	caution	caution	VERB
fsr-3196	558	3	that	that	SCONJ
fsr-3196	558	4	while	while	SCONJ
fsr-3196	558	5	understanding	understand	VERB
fsr-3196	558	6	that	that	SCONJ
fsr-3196	558	7	numerical	numerical	ADJ
fsr-3196	558	8	ability	ability	NOUN
fsr-3196	558	9	is	be	AUX
fsr-3196	558	10	important	important	ADJ
fsr-3196	558	11	for	for	ADP
fsr-3196	558	12	financial	financial	ADJ
fsr-3196	558	13	decisions	decision	NOUN
fsr-3196	558	14	like	like	ADP
fsr-3196	558	15	the	the	DET
fsr-3196	558	16	ownership	ownership	NOUN
fsr-3196	558	17	of	of	ADP
fsr-3196	558	18	life	life	NOUN
fsr-3196	558	19	insurance	insurance	NOUN
fsr-3196	558	20	,	,	PUNCT
fsr-3196	558	21	the	the	DET
fsr-3196	558	22	questions	question	NOUN
fsr-3196	558	23	used	use	VERB
fsr-3196	558	24	in	in	ADP
fsr-3196	558	25	the	the	DET
fsr-3196	558	26	hrs	hrs	NOUN
fsr-3196	558	27	should	should	AUX
fsr-3196	558	28	not	not	PART
fsr-3196	558	29	be	be	AUX
fsr-3196	558	30	viewed	view	VERB
fsr-3196	558	31	as	as	ADP
fsr-3196	558	32	the	the	DET
fsr-3196	558	33	best	good	ADJ
fsr-3196	558	34	way	way	NOUN
fsr-3196	558	35	to	to	PART
fsr-3196	558	36	measure	measure	VERB
fsr-3196	558	37	numeracy	numeracy	NOUN
fsr-3196	558	38	among	among	ADP
fsr-3196	558	39	policyholders	policyholder	NOUN
fsr-3196	558	40	.	.	PUNCT
fsr-3196	559	1	we	we	PRON
fsr-3196	559	2	leave	leave	VERB
fsr-3196	559	3	that	that	DET
fsr-3196	559	4	research	research	NOUN
fsr-3196	559	5	to	to	ADP
fsr-3196	559	6	those	those	PRON
fsr-3196	559	7	studying	study	VERB
fsr-3196	559	8	financial	financial	ADJ
fsr-3196	559	9	literacy	literacy	NOUN
fsr-3196	559	10	,	,	PUNCT
fsr-3196	559	11	which	which	PRON
fsr-3196	559	12	huston	huston	PROPN
fsr-3196	559	13	(	(	PUNCT
fsr-3196	559	14	2010	2010	NUM
fsr-3196	559	15	)	)	PUNCT
fsr-3196	559	16	conceptualizes	conceptualize	VERB
fsr-3196	559	17	as	as	ADP
fsr-3196	559	18	having	have	VERB
fsr-3196	559	19	two	two	NUM
fsr-3196	559	20	dimensions	dimension	NOUN
fsr-3196	559	21	,	,	PUNCT
fsr-3196	559	22	understanding	understanding	NOUN
fsr-3196	559	23	and	and	CCONJ
fsr-3196	559	24	use	use	NOUN
fsr-3196	559	25	.	.	PUNCT
fsr-3196	560	1	these	these	PRON
fsr-3196	560	2	are	be	AUX
fsr-3196	560	3	similar	similar	ADJ
fsr-3196	560	4	to	to	ADP
fsr-3196	560	5	the	the	DET
fsr-3196	560	6	dimensions	dimension	NOUN
fsr-3196	560	7	smith	smith	PROPN
fsr-3196	560	8	et	et	PROPN
fsr-3196	560	9	al	al	PROPN
fsr-3196	560	10	.	.	PROPN
fsr-3196	561	1	(	(	PUNCT
fsr-3196	561	2	2010	2010	NUM
fsr-3196	561	3	)	)	PUNCT
fsr-3196	561	4	use	use	NOUN
fsr-3196	561	5	in	in	ADP
fsr-3196	561	6	their	their	PRON
fsr-3196	561	7	definition	definition	NOUN
fsr-3196	561	8	of	of	ADP
fsr-3196	561	9	crystallized	crystallized	ADJ
fsr-3196	561	10	intelligence	intelligence	NOUN
fsr-3196	561	11	—	—	PUNCT
fsr-3196	561	12	knowledge	knowledge	NOUN
fsr-3196	561	13	and	and	CCONJ
fsr-3196	561	14	experience	experience	NOUN
fsr-3196	561	15	.	.	PUNCT
fsr-3196	562	1	because	because	SCONJ
fsr-3196	562	2	b.	b.	PROPN
fsr-3196	562	3	s.	s.	PROPN
fsr-3196	562	4	mulholland	mulholland	PROPN
fsr-3196	562	5	and	and	CCONJ
fsr-3196	562	6	m.	m.	PROPN
fsr-3196	562	7	s.	s.	PROPN
fsr-3196	562	8	finke	finke	PROPN
fsr-3196	562	9	/	/	SYM
fsr-3196	562	10	financial	financial	ADJ
fsr-3196	562	11	services	service	NOUN
fsr-3196	562	12	review	review	VERB
fsr-3196	562	13	31	31	NUM
fsr-3196	562	14	(	(	PUNCT
fsr-3196	562	15	2023	2023	NUM
fsr-3196	562	16	)	)	PUNCT
fsr-3196	562	17	73–96	73–96	NUM
fsr-3196	562	18	93	93	NUM
fsr-3196	562	19	numeracy	numeracy	NOUN
fsr-3196	562	20	is	be	AUX
fsr-3196	562	21	a	a	DET
fsr-3196	562	22	form	form	NOUN
fsr-3196	562	23	of	of	ADP
fsr-3196	562	24	crystallized	crystallized	ADJ
fsr-3196	562	25	intelligence	intelligence	NOUN
fsr-3196	562	26	,	,	PUNCT
fsr-3196	562	27	there	there	PRON
fsr-3196	562	28	may	may	AUX
fsr-3196	562	29	be	be	AUX
fsr-3196	562	30	improved	improve	VERB
fsr-3196	562	31	life	life	NOUN
fsr-3196	562	32	insurance	insurance	NOUN
fsr-3196	562	33	decisions	decision	NOUN
fsr-3196	562	34	with	with	ADP
fsr-3196	562	35	improved	improved	ADJ
fsr-3196	562	36	financial	financial	ADJ
fsr-3196	562	37	literacy	literacy	NOUN
fsr-3196	562	38	about	about	ADP
fsr-3196	562	39	life	life	NOUN
fsr-3196	562	40	insurance	insurance	NOUN
fsr-3196	562	41	.	.	PUNCT
fsr-3196	563	1	notes	note	VERB
fsr-3196	563	2	1	1	NUM
fsr-3196	563	3	hrs	hrs	NOUN
fsr-3196	563	4	question	question	NOUN
fsr-3196	563	5	mt036	mt036	PROPN
fsr-3196	563	6	:	:	PUNCT
fsr-3196	563	7	“	"	PUNCT
fsr-3196	563	8	in	in	ADP
fsr-3196	563	9	the	the	DET
fsr-3196	563	10	last	last	ADJ
fsr-3196	563	11	two	two	NUM
fsr-3196	563	12	years	year	NOUN
fsr-3196	563	13	,	,	PUNCT
fsr-3196	563	14	have	have	AUX
fsr-3196	563	15	you	you	PRON
fsr-3196	563	16	allowed	allow	VERB
fsr-3196	563	17	any	any	DET
fsr-3196	563	18	life	life	NOUN
fsr-3196	563	19	insurance	insurance	NOUN
fsr-3196	563	20	policies	policy	NOUN
fsr-3196	563	21	to	to	AUX
fsr-3196	563	22	lapse	lapse	NOUN
fsr-3196	563	23	or	or	CCONJ
fsr-3196	563	24	have	have	AUX
fsr-3196	563	25	any	any	PRON
fsr-3196	563	26	been	be	AUX
fsr-3196	563	27	cancelled	cancel	VERB
fsr-3196	563	28	?	?	PUNCT
fsr-3196	563	29	”	"	PUNCT
fsr-3196	563	30	2	2	NUM
fsr-3196	563	31	hrs	hrs	NOUN
fsr-3196	563	32	question	question	NOUN
fsr-3196	563	33	mt041	mt041	ADV
fsr-3196	563	34	:	:	PUNCT
fsr-3196	563	35	“	"	PUNCT
fsr-3196	563	36	was	be	AUX
fsr-3196	563	37	this	this	DET
fsr-3196	563	38	lapse	lapse	NOUN
fsr-3196	563	39	or	or	CCONJ
fsr-3196	563	40	cancellation	cancellation	NOUN
fsr-3196	563	41	something	something	PRON
fsr-3196	563	42	you	you	PRON
fsr-3196	563	43	chose	choose	VERB
fsr-3196	563	44	to	to	PART
fsr-3196	563	45	do	do	VERB
fsr-3196	563	46	,	,	PUNCT
fsr-3196	563	47	or	or	CCONJ
fsr-3196	563	48	was	be	AUX
fsr-3196	563	49	it	it	PRON
fsr-3196	563	50	done	do	VERB
fsr-3196	563	51	by	by	ADP
fsr-3196	563	52	the	the	DET
fsr-3196	563	53	provider	provider	NOUN
fsr-3196	563	54	,	,	PUNCT
fsr-3196	563	55	your	your	PRON
fsr-3196	563	56	employer	employer	NOUN
fsr-3196	563	57	,	,	PUNCT
fsr-3196	563	58	or	or	CCONJ
fsr-3196	563	59	someone	someone	PRON
fsr-3196	563	60	else	else	ADV
fsr-3196	563	61	?	?	PUNCT
fsr-3196	563	62	”	"	PUNCT
fsr-3196	563	63	3	3	NUM
fsr-3196	563	64	hrs	hrs	NOUN
fsr-3196	563	65	question	question	NOUN
fsr-3196	563	66	md178	md178	ADJ
fsr-3196	563	67	:	:	PUNCT
fsr-3196	563	68	“	"	PUNCT
fsr-3196	563	69	if	if	SCONJ
fsr-3196	563	70	the	the	DET
fsr-3196	563	71	chance	chance	NOUN
fsr-3196	563	72	of	of	ADP
fsr-3196	563	73	getting	get	VERB
fsr-3196	563	74	a	a	DET
fsr-3196	563	75	disease	disease	NOUN
fsr-3196	563	76	is	be	AUX
fsr-3196	563	77	10	10	NUM
fsr-3196	563	78	percent	percent	NOUN
fsr-3196	563	79	,	,	PUNCT
fsr-3196	563	80	how	how	SCONJ
fsr-3196	563	81	many	many	ADJ
fsr-3196	563	82	people	people	NOUN
fsr-3196	563	83	out	out	ADP
fsr-3196	563	84	of	of	ADP
fsr-3196	563	85	1,000	1,000	NUM
fsr-3196	563	86	would	would	AUX
fsr-3196	563	87	be	be	AUX
fsr-3196	563	88	expected	expect	VERB
fsr-3196	563	89	to	to	PART
fsr-3196	563	90	get	get	VERB
fsr-3196	563	91	the	the	DET
fsr-3196	563	92	disease	disease	NOUN
fsr-3196	563	93	?	?	PUNCT
fsr-3196	563	94	”	"	PUNCT
fsr-3196	563	95	4	4	NUM
fsr-3196	563	96	hrs	hrs	NOUN
fsr-3196	563	97	question	question	NOUN
fsr-3196	563	98	md179	md179	PROPN
fsr-3196	563	99	:	:	PUNCT
fsr-3196	563	100	“	"	PUNCT
fsr-3196	563	101	if	if	SCONJ
fsr-3196	563	102	5	5	NUM
fsr-3196	563	103	people	people	NOUN
fsr-3196	563	104	all	all	PRON
fsr-3196	563	105	have	have	VERB
fsr-3196	563	106	the	the	DET
fsr-3196	563	107	winning	win	VERB
fsr-3196	563	108	numbers	number	NOUN
fsr-3196	563	109	in	in	ADP
fsr-3196	563	110	the	the	DET
fsr-3196	563	111	lottery	lottery	NOUN
fsr-3196	563	112	and	and	CCONJ
fsr-3196	563	113	the	the	DET
fsr-3196	563	114	prize	prize	NOUN
fsr-3196	563	115	is	be	AUX
fsr-3196	563	116	two	two	NUM
fsr-3196	563	117	million	million	NUM
fsr-3196	563	118	dollars	dollar	NOUN
fsr-3196	563	119	,	,	PUNCT
fsr-3196	563	120	how	how	SCONJ
fsr-3196	563	121	much	much	ADJ
fsr-3196	563	122	will	will	AUX
fsr-3196	563	123	each	each	PRON
fsr-3196	563	124	of	of	ADP
fsr-3196	563	125	them	they	PRON
fsr-3196	563	126	get	get	VERB
fsr-3196	563	127	?	?	PUNCT
fsr-3196	563	128	”	"	PUNCT
fsr-3196	563	129	5	5	NUM
fsr-3196	563	130	hrs	hrs	NOUN
fsr-3196	563	131	question	question	NOUN
fsr-3196	563	132	md180	md180	PROPN
fsr-3196	563	133	:	:	PUNCT
fsr-3196	563	134	“	"	PUNCT
fsr-3196	563	135	let	let	VERB
fsr-3196	563	136	’s	’s	PRON
fsr-3196	563	137	say	say	VERB
fsr-3196	563	138	you	you	PRON
fsr-3196	563	139	have	have	VERB
fsr-3196	563	140	$	$	SYM
fsr-3196	563	141	200	200	NUM
fsr-3196	563	142	in	in	ADP
fsr-3196	563	143	a	a	DET
fsr-3196	563	144	savings	saving	NOUN
fsr-3196	563	145	account	account	NOUN
fsr-3196	563	146	.	.	PUNCT
fsr-3196	564	1	the	the	DET
fsr-3196	564	2	account	account	NOUN
fsr-3196	564	3	earns	earn	VERB
fsr-3196	564	4	10	10	NUM
fsr-3196	564	5	percent	percent	NOUN
fsr-3196	564	6	interest	interest	NOUN
fsr-3196	564	7	per	per	ADP
fsr-3196	564	8	year	year	NOUN
fsr-3196	564	9	.	.	PUNCT
fsr-3196	565	1	how	how	SCONJ
fsr-3196	565	2	much	much	ADV
fsr-3196	565	3	would	would	AUX
fsr-3196	565	4	you	you	PRON
fsr-3196	565	5	have	have	VERB
fsr-3196	565	6	in	in	ADP
fsr-3196	565	7	the	the	DET
fsr-3196	565	8	account	account	NOUN
fsr-3196	565	9	at	at	ADP
fsr-3196	565	10	the	the	DET
fsr-3196	565	11	end	end	NOUN
fsr-3196	565	12	of	of	ADP
fsr-3196	565	13	two	two	NUM
fsr-3196	565	14	years	year	NOUN
fsr-3196	565	15	?	?	PUNCT
fsr-3196	565	16	”	"	PUNCT
fsr-3196	566	1	references	reference	NOUN
fsr-3196	566	2	american	american	PROPN
fsr-3196	566	3	council	council	PROPN
fsr-3196	566	4	of	of	ADP
fsr-3196	566	5	life	life	PROPN
fsr-3196	566	6	insurers	insurer	NOUN
fsr-3196	566	7	(	(	PUNCT
fsr-3196	566	8	acli	acli	ADJ
fsr-3196	566	9	)	)	PUNCT
fsr-3196	566	10	(	(	PUNCT
fsr-3196	566	11	2012	2012	NUM
fsr-3196	566	12	)	)	PUNCT
fsr-3196	566	13	.	.	PUNCT
fsr-3196	567	1	acli	acli	ADJ
fsr-3196	567	2	life	life	NOUN
fsr-3196	567	3	insurers	insurer	NOUN
fsr-3196	567	4	fact	fact	NOUN
fsr-3196	567	5	book	book	NOUN
fsr-3196	567	6	2012	2012	NUM
fsr-3196	567	7	,	,	PUNCT
fsr-3196	567	8	chapter	chapter	NOUN
fsr-3196	567	9	7	7	NUM
fsr-3196	567	10	.	.	PUNCT
fsr-3196	567	11	retrieved	retrieve	VERB
fsr-3196	567	12	from	from	ADP
fsr-3196	567	13	https://www.acli.com/-/media/acli/files/fact-books-public/_factbook2012_entirety_020813.pdf	https://www.acli.com/-/media/acli/files/fact-books-public/_factbook2012_entirety_020813.pdf	PROPN
fsr-3196	567	14	banks	bank	NOUN
fsr-3196	567	15	,	,	PUNCT
fsr-3196	567	16	j.	j.	PROPN
fsr-3196	567	17	,	,	PUNCT
fsr-3196	567	18	&	&	CCONJ
fsr-3196	567	19	oldfield	oldfield	PROPN
fsr-3196	567	20	,	,	PUNCT
fsr-3196	567	21	z.	z.	PROPN
fsr-3196	567	22	(	(	PUNCT
fsr-3196	567	23	2007	2007	NUM
fsr-3196	567	24	)	)	PUNCT
fsr-3196	567	25	.	.	PUNCT
fsr-3196	568	1	understanding	understand	VERB
fsr-3196	568	2	pensions	pension	NOUN
fsr-3196	568	3	:	:	PUNCT
fsr-3196	568	4	cognitive	cognitive	ADJ
fsr-3196	568	5	function	function	NOUN
fsr-3196	568	6	,	,	PUNCT
fsr-3196	568	7	numerical	numerical	ADJ
fsr-3196	568	8	ability	ability	NOUN
fsr-3196	568	9	and	and	CCONJ
fsr-3196	568	10	retirement	retirement	NOUN
fsr-3196	568	11	saving	saving	NOUN
fsr-3196	568	12	.	.	PUNCT
fsr-3196	569	1	fiscal	fiscal	ADJ
fsr-3196	569	2	studies	study	NOUN
fsr-3196	569	3	,	,	PUNCT
fsr-3196	569	4	28	28	NUM
fsr-3196	569	5	,	,	PUNCT
fsr-3196	569	6	143–170	143–170	NUM
fsr-3196	569	7	.	.	PUNCT
fsr-3196	570	1	https://doi.org/10.1111/j.1475-5890.2007.00052.x	https://doi.org/10.1111/j.1475-5890.2007.00052.x	ADJ
fsr-3196	570	2	bernheim	bernheim	PROPN
fsr-3196	570	3	,	,	PUNCT
fsr-3196	570	4	b.	b.	PROPN
fsr-3196	570	5	d.	d.	PROPN
fsr-3196	570	6	(	(	PUNCT
fsr-3196	570	7	1991	1991	NUM
fsr-3196	570	8	)	)	PUNCT
fsr-3196	570	9	.	.	PUNCT
fsr-3196	571	1	how	how	SCONJ
fsr-3196	571	2	strong	strong	ADJ
fsr-3196	571	3	are	be	AUX
fsr-3196	571	4	bequest	bequest	ADJ
fsr-3196	571	5	motives	motive	NOUN
fsr-3196	571	6	?	?	PUNCT
fsr-3196	572	1	evidence	evidence	NOUN
fsr-3196	572	2	based	base	VERB
fsr-3196	572	3	on	on	ADP
fsr-3196	572	4	estimates	estimate	NOUN
fsr-3196	572	5	of	of	ADP
fsr-3196	572	6	the	the	DET
fsr-3196	572	7	demand	demand	NOUN
fsr-3196	572	8	for	for	ADP
fsr-3196	572	9	life	life	NOUN
fsr-3196	572	10	insurance	insurance	NOUN
fsr-3196	572	11	and	and	CCONJ
fsr-3196	572	12	annuities	annuity	NOUN
fsr-3196	572	13	.	.	PUNCT
fsr-3196	573	1	journal	journal	NOUN
fsr-3196	573	2	of	of	ADP
fsr-3196	573	3	political	political	ADJ
fsr-3196	573	4	economy	economy	NOUN
fsr-3196	573	5	,	,	PUNCT
fsr-3196	573	6	99	99	NUM
fsr-3196	573	7	,	,	PUNCT
fsr-3196	573	8	899–927	899–927	NUM
fsr-3196	573	9	.	.	PUNCT
fsr-3196	574	1	https://doi.org/10.1086/261783	https://doi.org/10.1086/261783	PROPN
fsr-3196	574	2	brown	brown	PROPN
fsr-3196	574	3	,	,	PUNCT
fsr-3196	574	4	a.	a.	NOUN
fsr-3196	574	5	(	(	PUNCT
fsr-3196	574	6	2013	2013	NUM
fsr-3196	574	7	)	)	PUNCT
fsr-3196	574	8	.	.	PUNCT
fsr-3196	575	1	in	in	ADP
fsr-3196	575	2	u.s	u.s	PROPN
fsr-3196	575	3	.	.	PROPN
fsr-3196	575	4	,	,	PUNCT
fsr-3196	575	5	average	average	ADJ
fsr-3196	575	6	retirement	retirement	NOUN
fsr-3196	575	7	age	age	NOUN
fsr-3196	575	8	up	up	ADP
fsr-3196	575	9	to	to	ADP
fsr-3196	575	10	61	61	NUM
fsr-3196	575	11	:	:	PUNCT
fsr-3196	575	12	younger	young	ADJ
fsr-3196	575	13	nonretirees	nonretiree	NOUN
fsr-3196	575	14	most	most	ADV
fsr-3196	575	15	likely	likely	ADJ
fsr-3196	575	16	to	to	PART
fsr-3196	575	17	expect	expect	VERB
fsr-3196	575	18	to	to	PART
fsr-3196	575	19	retire	retire	VERB
fsr-3196	575	20	at	at	ADP
fsr-3196	575	21	a	a	DET
fsr-3196	575	22	younger	young	ADJ
fsr-3196	575	23	age	age	NOUN
fsr-3196	575	24	(	(	PUNCT
fsr-3196	575	25	gallup	gallup	NOUN
fsr-3196	575	26	poll	poll	NOUN
fsr-3196	575	27	162560	162560	NUM
fsr-3196	575	28	)	)	PUNCT
fsr-3196	575	29	.	.	PUNCT
fsr-3196	576	1	available	available	ADJ
fsr-3196	576	2	at	at	ADP
fsr-3196	576	3	http://www.gallup.com/poll/162560/averageretirement-age.aspx	http://www.gallup.com/poll/162560/averageretirement-age.aspx	PROPN
fsr-3196	576	4	brown	brown	PROPN
fsr-3196	576	5	,	,	PUNCT
fsr-3196	576	6	j.	j.	PROPN
fsr-3196	576	7	,	,	PUNCT
fsr-3196	576	8	&	&	CCONJ
fsr-3196	576	9	poterba	poterba	PROPN
fsr-3196	576	10	,	,	PUNCT
fsr-3196	576	11	j.	j.	PROPN
fsr-3196	576	12	(	(	PUNCT
fsr-3196	576	13	2006	2006	NUM
fsr-3196	576	14	)	)	PUNCT
fsr-3196	576	15	.	.	PUNCT
fsr-3196	577	1	household	household	NOUN
fsr-3196	577	2	ownership	ownership	NOUN
fsr-3196	577	3	of	of	ADP
fsr-3196	577	4	variable	variable	ADJ
fsr-3196	577	5	annuities	annuity	NOUN
fsr-3196	577	6	.	.	PUNCT
fsr-3196	578	1	nber	nber	PROPN
fsr-3196	578	2	working	working	PROPN
fsr-3196	578	3	paper	paper	PROPN
fsr-3196	578	4	no	no	INTJ
fsr-3196	578	5	.	.	PUNCT
fsr-3196	579	1	w11964	w11964	PROPN
fsr-3196	579	2	.	.	PUNCT
fsr-3196	579	3	retrieved	retrieve	VERB
fsr-3196	579	4	from	from	ADP
fsr-3196	579	5	http://ssrn.com/abstract=877469	http://ssrn.com/abstract=877469	NOUN
fsr-3196	579	6	browning	browning	NOUN
fsr-3196	579	7	,	,	PUNCT
fsr-3196	579	8	c.	c.	PROPN
fsr-3196	579	9	(	(	PUNCT
fsr-3196	579	10	2014	2014	NUM
fsr-3196	579	11	)	)	PUNCT
fsr-3196	579	12	.	.	PUNCT
fsr-3196	580	1	cognitive	cognitive	ADJ
fsr-3196	580	2	status	status	NOUN
fsr-3196	580	3	,	,	PUNCT
fsr-3196	580	4	self	self	NOUN
fsr-3196	580	5	-	-	PUNCT
fsr-3196	580	6	control	control	NOUN
fsr-3196	580	7	,	,	PUNCT
fsr-3196	580	8	and	and	CCONJ
fsr-3196	580	9	asset	asset	NOUN
fsr-3196	580	10	decumulation	decumulation	NOUN
fsr-3196	580	11	:	:	PUNCT
fsr-3196	580	12	evidence	evidence	NOUN
fsr-3196	580	13	from	from	ADP
fsr-3196	580	14	the	the	DET
fsr-3196	580	15	hrs	hrs	NOUN
fsr-3196	580	16	.	.	PUNCT
fsr-3196	580	17	retrieved	retrieve	VERB
fsr-3196	580	18	from	from	ADP
fsr-3196	580	19	http://ssrn.com/abstract=2390880	http://ssrn.com/abstract=2390880	PROPN
fsr-3196	580	20	campbell	campbell	PROPN
fsr-3196	580	21	,	,	PUNCT
fsr-3196	580	22	r.	r.	PROPN
fsr-3196	580	23	(	(	PUNCT
fsr-3196	580	24	1980	1980	NUM
fsr-3196	580	25	)	)	PUNCT
fsr-3196	580	26	.	.	PUNCT
fsr-3196	581	1	the	the	DET
fsr-3196	581	2	demand	demand	NOUN
fsr-3196	581	3	for	for	ADP
fsr-3196	581	4	life	life	NOUN
fsr-3196	581	5	insurance	insurance	NOUN
fsr-3196	581	6	:	:	PUNCT
fsr-3196	581	7	an	an	DET
fsr-3196	581	8	application	application	NOUN
fsr-3196	581	9	of	of	ADP
fsr-3196	581	10	the	the	DET
fsr-3196	581	11	economics	economic	NOUN
fsr-3196	581	12	of	of	ADP
fsr-3196	581	13	uncertainty	uncertainty	NOUN
fsr-3196	581	14	.	.	PUNCT
fsr-3196	582	1	the	the	DET
fsr-3196	582	2	journal	journal	PROPN
fsr-3196	582	3	of	of	ADP
fsr-3196	582	4	finance	finance	NOUN
fsr-3196	582	5	,	,	PUNCT
fsr-3196	582	6	35	35	NUM
fsr-3196	582	7	,	,	PUNCT
fsr-3196	582	8	1155–1172	1155–1172	NUM
fsr-3196	582	9	.	.	PUNCT
fsr-3196	583	1	https://doi.org/10.1111/j.1540-6261.1980.tb02201.x	https://doi.org/10.1111/j.1540-6261.1980.tb02201.x	PROPN
fsr-3196	583	2	christelis	christelis	PROPN
fsr-3196	583	3	,	,	PUNCT
fsr-3196	583	4	d.	d.	PROPN
fsr-3196	583	5	,	,	PUNCT
fsr-3196	583	6	jappelli	jappelli	PROPN
fsr-3196	583	7	,	,	PUNCT
fsr-3196	583	8	t.	t.	PROPN
fsr-3196	583	9	,	,	PUNCT
fsr-3196	583	10	&	&	CCONJ
fsr-3196	583	11	padula	padula	NOUN
fsr-3196	583	12	,	,	PUNCT
fsr-3196	583	13	m.	m.	NOUN
fsr-3196	583	14	(	(	PUNCT
fsr-3196	583	15	2010	2010	NUM
fsr-3196	583	16	)	)	PUNCT
fsr-3196	583	17	.	.	PUNCT
fsr-3196	584	1	cognitive	cognitive	ADJ
fsr-3196	584	2	abilities	ability	NOUN
fsr-3196	584	3	and	and	CCONJ
fsr-3196	584	4	portfolio	portfolio	NOUN
fsr-3196	584	5	choice	choice	NOUN
fsr-3196	584	6	.	.	PUNCT
fsr-3196	585	1	european	european	ADJ
fsr-3196	585	2	economic	economic	PROPN
fsr-3196	585	3	review	review	PROPN
fsr-3196	585	4	,	,	PUNCT
fsr-3196	585	5	54	54	NUM
fsr-3196	585	6	,	,	PUNCT
fsr-3196	585	7	18–38	18–38	NUM
fsr-3196	585	8	.	.	PUNCT
fsr-3196	586	1	https://doi.org/10.1016/j.euroecorev.2009.04.001	https://doi.org/10.1016/j.euroecorev.2009.04.001	PROPN
fsr-3196	586	2	cole	cole	PROPN
fsr-3196	586	3	,	,	PUNCT
fsr-3196	586	4	c.	c.	PROPN
fsr-3196	586	5	,	,	PUNCT
fsr-3196	586	6	&	&	CCONJ
fsr-3196	586	7	fier	fier	X
fsr-3196	586	8	,	,	PUNCT
fsr-3196	586	9	s.	s.	PROPN
fsr-3196	586	10	(	(	PUNCT
fsr-3196	586	11	2021	2021	NUM
fsr-3196	586	12	)	)	PUNCT
fsr-3196	586	13	.	.	PUNCT
fsr-3196	587	1	an	an	DET
fsr-3196	587	2	examination	examination	NOUN
fsr-3196	587	3	of	of	ADP
fsr-3196	587	4	life	life	NOUN
fsr-3196	587	5	insurance	insurance	NOUN
fsr-3196	587	6	policy	policy	NOUN
fsr-3196	587	7	surrender	surrender	NOUN
fsr-3196	587	8	and	and	CCONJ
fsr-3196	587	9	loan	loan	NOUN
fsr-3196	587	10	activity	activity	NOUN
fsr-3196	587	11	.	.	PUNCT
fsr-3196	588	1	journal	journal	NOUN
fsr-3196	588	2	of	of	ADP
fsr-3196	588	3	risk	risk	NOUN
fsr-3196	588	4	and	and	CCONJ
fsr-3196	588	5	insurance	insurance	NOUN
fsr-3196	588	6	,	,	PUNCT
fsr-3196	588	7	88	88	NUM
fsr-3196	588	8	,	,	PUNCT
fsr-3196	588	9	483–516	483–516	NUM
fsr-3196	588	10	.	.	PUNCT
fsr-3196	589	1	https://doi.org/10.1111/jori.12329	https://doi.org/10.1111/jori.12329	PROPN
fsr-3196	589	2	daily	daily	PROPN
fsr-3196	589	3	,	,	PUNCT
fsr-3196	589	4	g.	g.	PROPN
fsr-3196	589	5	,	,	PUNCT
fsr-3196	589	6	hendel	hendel	PROPN
fsr-3196	589	7	,	,	PUNCT
fsr-3196	589	8	i.	i.	PROPN
fsr-3196	589	9	,	,	PUNCT
fsr-3196	589	10	&	&	CCONJ
fsr-3196	589	11	lizzeri	lizzeri	PROPN
fsr-3196	589	12	,	,	PUNCT
fsr-3196	589	13	a.	a.	NOUN
fsr-3196	589	14	(	(	PUNCT
fsr-3196	589	15	2008	2008	NUM
fsr-3196	589	16	)	)	PUNCT
fsr-3196	589	17	.	.	PUNCT
fsr-3196	590	1	does	do	AUX
fsr-3196	590	2	the	the	DET
fsr-3196	590	3	secondary	secondary	ADJ
fsr-3196	590	4	life	life	NOUN
fsr-3196	590	5	insurance	insurance	NOUN
fsr-3196	590	6	market	market	NOUN
fsr-3196	590	7	threaten	threaten	VERB
fsr-3196	590	8	dynamic	dynamic	ADJ
fsr-3196	590	9	insurance	insurance	NOUN
fsr-3196	590	10	?	?	PUNCT
fsr-3196	591	1	american	american	PROPN
fsr-3196	591	2	economic	economic	PROPN
fsr-3196	591	3	review	review	PROPN
fsr-3196	591	4	,	,	PUNCT
fsr-3196	591	5	98	98	NUM
fsr-3196	591	6	,	,	PUNCT
fsr-3196	591	7	151–156	151–156	NUM
fsr-3196	591	8	.	.	PUNCT
fsr-3196	592	1	https://doi.org/10.1257/aer.98.2.151	https://doi.org/10.1257/aer.98.2.151	PROPN
fsr-3196	592	2	eling	eling	NOUN
fsr-3196	592	3	,	,	PUNCT
fsr-3196	592	4	m.	m.	NOUN
fsr-3196	592	5	,	,	PUNCT
fsr-3196	592	6	&	&	CCONJ
fsr-3196	592	7	kiesenbauer	kiesenbauer	PROPN
fsr-3196	592	8	,	,	PUNCT
fsr-3196	592	9	d.	d.	PROPN
fsr-3196	592	10	(	(	PUNCT
fsr-3196	592	11	2014	2014	NUM
fsr-3196	592	12	)	)	PUNCT
fsr-3196	592	13	.	.	PUNCT
fsr-3196	593	1	what	what	PRON
fsr-3196	593	2	policy	policy	NOUN
fsr-3196	593	3	features	feature	NOUN
fsr-3196	593	4	determine	determine	VERB
fsr-3196	593	5	life	life	NOUN
fsr-3196	593	6	insurance	insurance	NOUN
fsr-3196	593	7	lapse	lapse	NOUN
fsr-3196	593	8	?	?	PUNCT
fsr-3196	594	1	an	an	DET
fsr-3196	594	2	analysis	analysis	NOUN
fsr-3196	594	3	of	of	ADP
fsr-3196	594	4	the	the	DET
fsr-3196	594	5	german	german	ADJ
fsr-3196	594	6	market	market	NOUN
fsr-3196	594	7	.	.	PUNCT
fsr-3196	595	1	journal	journal	NOUN
fsr-3196	595	2	of	of	ADP
fsr-3196	595	3	risk	risk	NOUN
fsr-3196	595	4	and	and	CCONJ
fsr-3196	595	5	insurance	insurance	NOUN
fsr-3196	595	6	,	,	PUNCT
fsr-3196	595	7	81	81	NUM
fsr-3196	595	8	,	,	PUNCT
fsr-3196	595	9	241–269	241–269	NUM
fsr-3196	595	10	.	.	PUNCT
fsr-3196	596	1	https://doi.org/10.1111/j.1539-6975.2012.01504.x	https://doi.org/10.1111/j.1539-6975.2012.01504.x	PROPN
fsr-3196	596	2	fang	fang	X
fsr-3196	596	3	,	,	PUNCT
fsr-3196	596	4	h.	h.	PROPN
fsr-3196	596	5	,	,	PUNCT
fsr-3196	596	6	&	&	CCONJ
fsr-3196	596	7	kung	kung	PROPN
fsr-3196	596	8	,	,	PUNCT
fsr-3196	596	9	e.	e.	PROPN
fsr-3196	596	10	(	(	PUNCT
fsr-3196	596	11	2012	2012	NUM
fsr-3196	596	12	)	)	PUNCT
fsr-3196	596	13	.	.	PUNCT
fsr-3196	597	1	why	why	SCONJ
fsr-3196	597	2	do	do	AUX
fsr-3196	597	3	life	life	NOUN
fsr-3196	597	4	insurance	insurance	NOUN
fsr-3196	597	5	policyholders	policyholder	NOUN
fsr-3196	597	6	lapse	lapse	NOUN
fsr-3196	597	7	?	?	PUNCT
fsr-3196	598	1	the	the	DET
fsr-3196	598	2	roles	role	NOUN
fsr-3196	598	3	of	of	ADP
fsr-3196	598	4	income	income	NOUN
fsr-3196	598	5	,	,	PUNCT
fsr-3196	598	6	health	health	NOUN
fsr-3196	598	7	and	and	CCONJ
fsr-3196	598	8	bequest	bequ	ADJ
fsr-3196	598	9	motive	motive	ADJ
fsr-3196	598	10	shocks	shock	NOUN
fsr-3196	598	11	.	.	PUNCT
fsr-3196	599	1	working	work	VERB
fsr-3196	599	2	paper	paper	NOUN
fsr-3196	599	3	17899	17899	NUM
fsr-3196	599	4	.	.	PUNCT
fsr-3196	600	1	available	available	ADJ
fsr-3196	600	2	at	at	ADP
fsr-3196	600	3	http://www.nber.org/papers/w17899	http://www.nber.org/papers/w17899	PROPN
fsr-3196	600	4	fier	fier	NOUN
fsr-3196	600	5	,	,	PUNCT
fsr-3196	600	6	s.	s.	PROPN
fsr-3196	600	7	g.	g.	PROPN
fsr-3196	600	8	,	,	PUNCT
fsr-3196	600	9	&	&	CCONJ
fsr-3196	600	10	liebenberg	liebenberg	PROPN
fsr-3196	600	11	,	,	PUNCT
fsr-3196	600	12	a.	a.	NOUN
fsr-3196	600	13	p.	p.	NOUN
fsr-3196	600	14	(	(	PUNCT
fsr-3196	600	15	2013	2013	NUM
fsr-3196	600	16	)	)	PUNCT
fsr-3196	600	17	.	.	PUNCT
fsr-3196	601	1	life	life	NOUN
fsr-3196	601	2	insurance	insurance	NOUN
fsr-3196	601	3	lapse	lapse	NOUN
fsr-3196	601	4	behavior	behavior	NOUN
fsr-3196	601	5	.	.	PUNCT
fsr-3196	602	1	north	north	ADJ
fsr-3196	602	2	american	american	ADJ
fsr-3196	602	3	actuarial	actuarial	ADJ
fsr-3196	602	4	journal	journal	NOUN
fsr-3196	602	5	,	,	PUNCT
fsr-3196	602	6	17	17	NUM
fsr-3196	602	7	,	,	PUNCT
fsr-3196	602	8	153–167	153–167	NUM
fsr-3196	602	9	.	.	PUNCT
fsr-3196	603	1	https://doi.org/10.1080/10920277.2013.803438	https://doi.org/10.1080/10920277.2013.803438	PROPN
fsr-3196	603	2	94	94	NUM
fsr-3196	603	3	b.	b.	PROPN
fsr-3196	603	4	s.	s.	PROPN
fsr-3196	603	5	mulholland	mulholland	PROPN
fsr-3196	603	6	and	and	CCONJ
fsr-3196	603	7	m.	m.	PROPN
fsr-3196	603	8	s.	s.	PROPN
fsr-3196	603	9	finke	finke	PROPN
fsr-3196	603	10	/	/	SYM
fsr-3196	603	11	financial	financial	ADJ
fsr-3196	603	12	services	service	NOUN
fsr-3196	603	13	review	review	VERB
fsr-3196	603	14	31	31	NUM
fsr-3196	603	15	(	(	PUNCT
fsr-3196	603	16	2023	2023	NUM
fsr-3196	603	17	)	)	PUNCT
fsr-3196	603	18	73–96	73–96	NUM
fsr-3196	603	19	finke	finke	PROPN
fsr-3196	603	20	,	,	PUNCT
fsr-3196	603	21	m.	m.	NOUN
fsr-3196	603	22	s.	s.	PROPN
fsr-3196	603	23	,	,	PUNCT
fsr-3196	603	24	huston	huston	PROPN
fsr-3196	603	25	,	,	PUNCT
fsr-3196	603	26	s.	s.	PROPN
fsr-3196	603	27	j.	j.	PROPN
fsr-3196	603	28	,	,	PUNCT
fsr-3196	603	29	&	&	CCONJ
fsr-3196	603	30	howe	howe	PROPN
fsr-3196	603	31	,	,	PUNCT
fsr-3196	603	32	j.	j.	PROPN
fsr-3196	603	33	s.	s.	PROPN
fsr-3196	603	34	(	(	PUNCT
fsr-3196	603	35	2017	2017	NUM
fsr-3196	603	36	)	)	PUNCT
fsr-3196	603	37	.	.	PUNCT
fsr-3196	604	1	old	old	ADJ
fsr-3196	604	2	age	age	NOUN
fsr-3196	604	3	and	and	CCONJ
fsr-3196	604	4	the	the	DET
fsr-3196	604	5	decline	decline	NOUN
fsr-3196	604	6	in	in	ADP
fsr-3196	604	7	financial	financial	ADJ
fsr-3196	604	8	literacy	literacy	NOUN
fsr-3196	604	9	.	.	PUNCT
fsr-3196	605	1	management	management	NOUN
fsr-3196	605	2	science	science	NOUN
fsr-3196	605	3	,	,	PUNCT
fsr-3196	605	4	63	63	NUM
fsr-3196	605	5	,	,	PUNCT
fsr-3196	605	6	213–230	213–230	NUM
fsr-3196	605	7	.	.	PUNCT
fsr-3196	606	1	https://doi.org/10.1287/mnsc.2015.2293	https://doi.org/10.1287/mnsc.2015.2293	PROPN
fsr-3196	606	2	fischer	fischer	PROPN
fsr-3196	606	3	,	,	PUNCT
fsr-3196	606	4	s.	s.	PROPN
fsr-3196	606	5	(	(	PUNCT
fsr-3196	606	6	1973	1973	NUM
fsr-3196	606	7	)	)	PUNCT
fsr-3196	606	8	.	.	PUNCT
fsr-3196	607	1	a	a	DET
fsr-3196	607	2	life	life	NOUN
fsr-3196	607	3	cycle	cycle	NOUN
fsr-3196	607	4	model	model	NOUN
fsr-3196	607	5	of	of	ADP
fsr-3196	607	6	life	life	NOUN
fsr-3196	607	7	insurance	insurance	NOUN
fsr-3196	607	8	purchases	purchase	NOUN
fsr-3196	607	9	.	.	PUNCT
fsr-3196	608	1	international	international	ADJ
fsr-3196	608	2	economic	economic	ADJ
fsr-3196	608	3	review	review	NOUN
fsr-3196	608	4	,	,	PUNCT
fsr-3196	608	5	14	14	NUM
fsr-3196	608	6	,	,	PUNCT
fsr-3196	608	7	132	132	NUM
fsr-3196	608	8	–	–	SYM
fsr-3196	608	9	152	152	NUM
fsr-3196	608	10	.	.	PUNCT
fsr-3196	609	1	https://doi.org/10.2307/2526049	https://doi.org/10.2307/2526049	PROPN
fsr-3196	609	2	fisher	fisher	PROPN
fsr-3196	609	3	,	,	PUNCT
fsr-3196	609	4	g.	g.	PROPN
fsr-3196	609	5	g.	g.	PROPN
fsr-3196	609	6	,	,	PUNCT
fsr-3196	609	7	hassan	hassan	PROPN
fsr-3196	609	8	,	,	PUNCT
fsr-3196	609	9	h.	h.	PROPN
fsr-3196	609	10	,	,	PUNCT
fsr-3196	609	11	rodgers	rodger	VERB
fsr-3196	609	12	,	,	PUNCT
fsr-3196	609	13	w.	w.	PROPN
fsr-3196	609	14	l.	l.	PROPN
fsr-3196	609	15	,	,	PUNCT
fsr-3196	609	16	&	&	CCONJ
fsr-3196	609	17	weir	weir	PROPN
fsr-3196	609	18	,	,	PUNCT
fsr-3196	609	19	d.	d.	PROPN
fsr-3196	609	20	r.	r.	PROPN
fsr-3196	609	21	(	(	PUNCT
fsr-3196	609	22	2013	2013	NUM
fsr-3196	609	23	)	)	PUNCT
fsr-3196	609	24	.	.	PUNCT
fsr-3196	610	1	health	health	NOUN
fsr-3196	610	2	and	and	CCONJ
fsr-3196	610	3	retirement	retirement	NOUN
fsr-3196	610	4	study	study	NOUN
fsr-3196	610	5	imputation	imputation	NOUN
fsr-3196	610	6	of	of	ADP
fsr-3196	610	7	cognitive	cognitive	ADJ
fsr-3196	610	8	functioning	function	VERB
fsr-3196	610	9	measures	measure	NOUN
fsr-3196	610	10	:	:	PUNCT
fsr-3196	610	11	1992–2010	1992–2010	NUM
fsr-3196	610	12	(	(	PUNCT
fsr-3196	610	13	final	final	ADJ
fsr-3196	610	14	release	release	NOUN
fsr-3196	610	15	)	)	PUNCT
fsr-3196	610	16	.	.	PUNCT
fsr-3196	611	1	hrs	hrs	NOUN
fsr-3196	611	2	user	user	NOUN
fsr-3196	611	3	guides	guides	PROPN
fsr-3196	611	4	.	.	PUNCT
fsr-3196	612	1	ann	ann	PROPN
fsr-3196	612	2	arbor	arbor	PROPN
fsr-3196	612	3	,	,	PUNCT
fsr-3196	612	4	mi	mi	PROPN
fsr-3196	612	5	:	:	PUNCT
fsr-3196	612	6	survey	survey	NOUN
fsr-3196	612	7	research	research	NOUN
fsr-3196	612	8	center	center	NOUN
fsr-3196	612	9	.	.	PUNCT
fsr-3196	613	1	available	available	ADJ
fsr-3196	613	2	at	at	ADP
fsr-3196	613	3	http://hrsonline.isr.umich.edu/modules/meta/xyear/cogimp/desc/cogimpdd	http://hrsonline.isr.umich.edu/modules/meta/xyear/cogimp/desc/cogimpdd	PROPN
fsr-3196	613	4	.	.	PUNCT
fsr-3196	614	1	pdf	pdf	NOUN
fsr-3196	614	2	frees	free	NOUN
fsr-3196	614	3	,	,	PUNCT
fsr-3196	614	4	e.	e.	PROPN
fsr-3196	614	5	w.	w.	PROPN
fsr-3196	614	6	,	,	PUNCT
fsr-3196	614	7	&	&	CCONJ
fsr-3196	614	8	sun	sun	PROPN
fsr-3196	614	9	,	,	PUNCT
fsr-3196	614	10	y.	y.	PROPN
fsr-3196	614	11	(	(	PUNCT
fsr-3196	614	12	2010	2010	NUM
fsr-3196	614	13	)	)	PUNCT
fsr-3196	614	14	.	.	PUNCT
fsr-3196	615	1	household	household	NOUN
fsr-3196	615	2	life	life	NOUN
fsr-3196	615	3	insurance	insurance	NOUN
fsr-3196	615	4	demand	demand	NOUN
fsr-3196	615	5	.	.	PUNCT
fsr-3196	616	1	north	north	ADJ
fsr-3196	616	2	american	american	ADJ
fsr-3196	616	3	actuarial	actuarial	ADJ
fsr-3196	616	4	journal	journal	NOUN
fsr-3196	616	5	,	,	PUNCT
fsr-3196	616	6	14	14	NUM
fsr-3196	616	7	,	,	PUNCT
fsr-3196	616	8	338	338	NUM
fsr-3196	616	9	–	–	PUNCT
fsr-3196	616	10	354	354	NUM
fsr-3196	616	11	.	.	PUNCT
fsr-3196	617	1	https://doi.org/10.1080/10920277.2010.10597595	https://doi.org/10.1080/10920277.2010.10597595	PROPN
fsr-3196	617	2	gandolfi	gandolfi	PROPN
fsr-3196	617	3	,	,	PUNCT
fsr-3196	617	4	a.	a.	PROPN
fsr-3196	617	5	s.	s.	PROPN
fsr-3196	617	6	,	,	PUNCT
fsr-3196	617	7	&	&	CCONJ
fsr-3196	617	8	miners	miner	NOUN
fsr-3196	617	9	,	,	PUNCT
fsr-3196	617	10	l.	l.	PROPN
fsr-3196	617	11	(	(	PUNCT
fsr-3196	617	12	1996	1996	NUM
fsr-3196	617	13	)	)	PUNCT
fsr-3196	617	14	.	.	PUNCT
fsr-3196	618	1	gender	gender	NOUN
fsr-3196	618	2	-	-	PUNCT
fsr-3196	618	3	based	base	VERB
fsr-3196	618	4	differences	difference	NOUN
fsr-3196	618	5	in	in	ADP
fsr-3196	618	6	life	life	NOUN
fsr-3196	618	7	insurance	insurance	NOUN
fsr-3196	618	8	ownership	ownership	NOUN
fsr-3196	618	9	.	.	PUNCT
fsr-3196	619	1	the	the	DET
fsr-3196	619	2	journal	journal	NOUN
fsr-3196	619	3	of	of	ADP
fsr-3196	619	4	risk	risk	NOUN
fsr-3196	619	5	and	and	CCONJ
fsr-3196	619	6	insurance	insurance	NOUN
fsr-3196	619	7	,	,	PUNCT
fsr-3196	619	8	63	63	NUM
fsr-3196	619	9	,	,	PUNCT
fsr-3196	619	10	683–693	683–693	NUM
fsr-3196	619	11	.	.	PUNCT
fsr-3196	620	1	https://doi.org/10.2307/253478	https://doi.org/10.2307/253478	PROPN
fsr-3196	621	1	gerardi	gerardi	PROPN
fsr-3196	621	2	,	,	PUNCT
fsr-3196	621	3	k.	k.	PROPN
fsr-3196	621	4	,	,	PUNCT
fsr-3196	621	5	goette	goette	NOUN
fsr-3196	621	6	,	,	PUNCT
fsr-3196	621	7	l.	l.	PROPN
fsr-3196	621	8	,	,	PUNCT
fsr-3196	621	9	&	&	CCONJ
fsr-3196	621	10	meier	meier	PROPN
fsr-3196	621	11	,	,	PUNCT
fsr-3196	621	12	s.	s.	PROPN
fsr-3196	621	13	(	(	PUNCT
fsr-3196	621	14	2013	2013	NUM
fsr-3196	621	15	)	)	PUNCT
fsr-3196	621	16	.	.	PUNCT
fsr-3196	622	1	numerical	numerical	ADJ
fsr-3196	622	2	ability	ability	NOUN
fsr-3196	622	3	predicts	predict	VERB
fsr-3196	622	4	mortgage	mortgage	NOUN
fsr-3196	622	5	default	default	NOUN
fsr-3196	622	6	.	.	PUNCT
fsr-3196	623	1	proceedings	proceeding	NOUN
fsr-3196	623	2	of	of	ADP
fsr-3196	623	3	the	the	DET
fsr-3196	623	4	national	national	PROPN
fsr-3196	623	5	academy	academy	PROPN
fsr-3196	623	6	of	of	ADP
fsr-3196	623	7	sciences	sciences	PROPN
fsr-3196	623	8	of	of	ADP
fsr-3196	623	9	the	the	DET
fsr-3196	623	10	united	united	PROPN
fsr-3196	623	11	states	states	PROPN
fsr-3196	623	12	of	of	ADP
fsr-3196	623	13	america	america	PROPN
fsr-3196	623	14	,	,	PUNCT
fsr-3196	623	15	110	110	NUM
fsr-3196	623	16	,	,	PUNCT
fsr-3196	623	17	11267–11271	11267–11271	NUM
fsr-3196	623	18	.	.	PUNCT
fsr-3196	624	1	https://doi.org/10.1073/	https://doi.org/10.1073/	PROPN
fsr-3196	624	2	pnas.1220568110	pnas.1220568110	PROPN
fsr-3196	624	3	gottlieb	gottlieb	PROPN
fsr-3196	624	4	,	,	PUNCT
fsr-3196	624	5	d.	d.	PROPN
fsr-3196	624	6	,	,	PUNCT
fsr-3196	624	7	&	&	CCONJ
fsr-3196	624	8	smetters	smetter	NOUN
fsr-3196	624	9	,	,	PUNCT
fsr-3196	624	10	k.	k.	PROPN
fsr-3196	624	11	(	(	PUNCT
fsr-3196	624	12	2021	2021	NUM
fsr-3196	624	13	)	)	PUNCT
fsr-3196	624	14	.	.	PUNCT
fsr-3196	625	1	lapse	lapse	NOUN
fsr-3196	625	2	-	-	PUNCT
fsr-3196	625	3	based	base	VERB
fsr-3196	625	4	insurance	insurance	NOUN
fsr-3196	625	5	.	.	PUNCT
fsr-3196	626	1	american	american	PROPN
fsr-3196	626	2	economic	economic	PROPN
fsr-3196	626	3	review	review	PROPN
fsr-3196	626	4	,	,	PUNCT
fsr-3196	626	5	111	111	NUM
fsr-3196	626	6	,	,	PUNCT
fsr-3196	626	7	2377–2416	2377–2416	NUM
fsr-3196	626	8	.	.	PUNCT
fsr-3196	627	1	https://doi.org/10.1257/aer.20160868	https://doi.org/10.1257/aer.20160868	PROPN
fsr-3196	627	2	huston	huston	PROPN
fsr-3196	627	3	,	,	PUNCT
fsr-3196	627	4	s.	s.	PROPN
fsr-3196	627	5	j.	j.	PROPN
fsr-3196	627	6	(	(	PUNCT
fsr-3196	627	7	2010	2010	NUM
fsr-3196	627	8	)	)	PUNCT
fsr-3196	627	9	.	.	PUNCT
fsr-3196	628	1	measuring	measure	VERB
fsr-3196	628	2	financial	financial	ADJ
fsr-3196	628	3	literacy	literacy	NOUN
fsr-3196	628	4	.	.	PUNCT
fsr-3196	629	1	journal	journal	NOUN
fsr-3196	629	2	of	of	ADP
fsr-3196	629	3	consumer	consumer	NOUN
fsr-3196	629	4	affairs	affair	NOUN
fsr-3196	629	5	,	,	PUNCT
fsr-3196	629	6	44	44	NUM
fsr-3196	629	7	,	,	PUNCT
fsr-3196	629	8	296–316	296–316	NUM
fsr-3196	629	9	.	.	PUNCT
fsr-3196	629	10	https://doi.org/	https://doi.org/	PROPN
fsr-3196	629	11	10.1111	10.1111	NUM
fsr-3196	629	12	/	/	SYM
fsr-3196	629	13	j.1745	j.1745	PROPN
fsr-3196	629	14	-	-	PUNCT
fsr-3196	629	15	6606.2010.01170.x	6606.2010.01170.x	PROPN
fsr-3196	629	16	korniotis	korniotis	NOUN
fsr-3196	629	17	,	,	PUNCT
fsr-3196	629	18	g.	g.	PROPN
fsr-3196	629	19	m.	m.	PROPN
fsr-3196	629	20	,	,	PUNCT
fsr-3196	629	21	&	&	CCONJ
fsr-3196	629	22	kumar	kumar	PROPN
fsr-3196	629	23	,	,	PUNCT
fsr-3196	629	24	a.	a.	NOUN
fsr-3196	629	25	(	(	PUNCT
fsr-3196	629	26	2011	2011	NUM
fsr-3196	629	27	)	)	PUNCT
fsr-3196	629	28	.	.	PUNCT
fsr-3196	630	1	do	do	AUX
fsr-3196	630	2	older	old	ADJ
fsr-3196	630	3	investors	investor	NOUN
fsr-3196	630	4	make	make	VERB
fsr-3196	630	5	better	well	ADJ
fsr-3196	630	6	investment	investment	NOUN
fsr-3196	630	7	decisions	decision	NOUN
fsr-3196	630	8	?	?	PUNCT
fsr-3196	631	1	the	the	DET
fsr-3196	631	2	review	review	NOUN
fsr-3196	631	3	of	of	ADP
fsr-3196	631	4	economics	economic	NOUN
fsr-3196	631	5	and	and	CCONJ
fsr-3196	631	6	statistics	statistic	NOUN
fsr-3196	631	7	,	,	PUNCT
fsr-3196	631	8	93(1	93(1	NUM
fsr-3196	631	9	)	)	PUNCT
fsr-3196	631	10	,	,	PUNCT
fsr-3196	631	11	244–265	244–265	NUM
fsr-3196	631	12	.	.	PUNCT
fsr-3196	632	1	kuo	kuo	PROPN
fsr-3196	632	2	,	,	PUNCT
fsr-3196	632	3	w.	w.	PROPN
fsr-3196	632	4	,	,	PUNCT
fsr-3196	632	5	tsai	tsai	PROPN
fsr-3196	632	6	,	,	PUNCT
fsr-3196	632	7	c.	c.	PROPN
fsr-3196	632	8	,	,	PUNCT
fsr-3196	632	9	&	&	CCONJ
fsr-3196	632	10	chen	chen	PROPN
fsr-3196	632	11	,	,	PUNCT
fsr-3196	632	12	w.	w.	PROPN
fsr-3196	632	13	k.	k.	PROPN
fsr-3196	632	14	(	(	PUNCT
fsr-3196	632	15	2003	2003	NUM
fsr-3196	632	16	)	)	PUNCT
fsr-3196	632	17	.	.	PUNCT
fsr-3196	633	1	an	an	DET
fsr-3196	633	2	empirical	empirical	ADJ
fsr-3196	633	3	study	study	NOUN
fsr-3196	633	4	on	on	ADP
fsr-3196	633	5	the	the	DET
fsr-3196	633	6	lapse	lapse	NOUN
fsr-3196	633	7	rate	rate	NOUN
fsr-3196	633	8	:	:	PUNCT
fsr-3196	633	9	the	the	DET
fsr-3196	633	10	cointegration	cointegration	NOUN
fsr-3196	633	11	approach	approach	NOUN
fsr-3196	633	12	.	.	PUNCT
fsr-3196	634	1	journal	journal	NOUN
fsr-3196	634	2	of	of	ADP
fsr-3196	634	3	risk	risk	NOUN
fsr-3196	634	4	and	and	CCONJ
fsr-3196	634	5	insurance	insurance	NOUN
fsr-3196	634	6	,	,	PUNCT
fsr-3196	634	7	70	70	NUM
fsr-3196	634	8	,	,	PUNCT
fsr-3196	634	9	489–508	489–508	NUM
fsr-3196	634	10	.	.	PUNCT
fsr-3196	635	1	https://doi.org/10.1111/1539-6975.t01-1-00061	https://doi.org/10.1111/1539-6975.t01-1-00061	PROPN
fsr-3196	635	2	lewis	lewis	PROPN
fsr-3196	635	3	,	,	PUNCT
fsr-3196	635	4	f.	f.	PROPN
fsr-3196	635	5	(	(	PUNCT
fsr-3196	635	6	1989	1989	NUM
fsr-3196	635	7	)	)	PUNCT
fsr-3196	635	8	.	.	PUNCT
fsr-3196	636	1	dependents	dependent	NOUN
fsr-3196	636	2	and	and	CCONJ
fsr-3196	636	3	the	the	DET
fsr-3196	636	4	demand	demand	NOUN
fsr-3196	636	5	for	for	ADP
fsr-3196	636	6	life	life	NOUN
fsr-3196	636	7	insurance	insurance	NOUN
fsr-3196	636	8	.	.	PUNCT
fsr-3196	637	1	the	the	DET
fsr-3196	637	2	american	american	PROPN
fsr-3196	637	3	economic	economic	PROPN
fsr-3196	637	4	review	review	PROPN
fsr-3196	637	5	,	,	PUNCT
fsr-3196	637	6	79	79	NUM
fsr-3196	637	7	,	,	PUNCT
fsr-3196	637	8	452	452	NUM
fsr-3196	637	9	–	–	PUNCT
fsr-3196	637	10	467	467	NUM
fsr-3196	637	11	.	.	PUNCT
fsr-3196	638	1	liebenberg	liebenberg	PROPN
fsr-3196	638	2	,	,	PUNCT
fsr-3196	638	3	a.	a.	PROPN
fsr-3196	638	4	p.	p.	PROPN
fsr-3196	638	5	,	,	PUNCT
fsr-3196	638	6	carson	carson	PROPN
fsr-3196	638	7	,	,	PUNCT
fsr-3196	638	8	j.	j.	PROPN
fsr-3196	638	9	m.	m.	PROPN
fsr-3196	638	10	,	,	PUNCT
fsr-3196	638	11	&	&	CCONJ
fsr-3196	638	12	dumm	dumm	PROPN
fsr-3196	638	13	,	,	PUNCT
fsr-3196	638	14	r.	r.	PROPN
fsr-3196	638	15	e.	e.	PROPN
fsr-3196	638	16	(	(	PUNCT
fsr-3196	638	17	2012	2012	NUM
fsr-3196	638	18	)	)	PUNCT
fsr-3196	638	19	.	.	PUNCT
fsr-3196	639	1	a	a	DET
fsr-3196	639	2	dynamic	dynamic	ADJ
fsr-3196	639	3	analysis	analysis	NOUN
fsr-3196	639	4	of	of	ADP
fsr-3196	639	5	the	the	DET
fsr-3196	639	6	demand	demand	NOUN
fsr-3196	639	7	for	for	ADP
fsr-3196	639	8	life	life	NOUN
fsr-3196	639	9	insurance	insurance	NOUN
fsr-3196	639	10	.	.	PUNCT
fsr-3196	640	1	journal	journal	NOUN
fsr-3196	640	2	of	of	ADP
fsr-3196	640	3	risk	risk	NOUN
fsr-3196	640	4	and	and	CCONJ
fsr-3196	640	5	insurance	insurance	NOUN
fsr-3196	640	6	,	,	PUNCT
fsr-3196	640	7	79	79	NUM
fsr-3196	640	8	,	,	PUNCT
fsr-3196	640	9	619–644	619–644	NUM
fsr-3196	640	10	.	.	PUNCT
fsr-3196	641	1	https://doi.org/10.1111/j.1539-6975.2011.01454.x	https://doi.org/10.1111/j.1539-6975.2011.01454.x	PROPN
fsr-3196	641	2	liebenberg	liebenberg	PROPN
fsr-3196	641	3	,	,	PUNCT
fsr-3196	641	4	a.	a.	PROPN
fsr-3196	641	5	p.	p.	PROPN
fsr-3196	641	6	,	,	PUNCT
fsr-3196	641	7	carson	carson	PROPN
fsr-3196	641	8	,	,	PUNCT
fsr-3196	641	9	j.	j.	PROPN
fsr-3196	641	10	m.	m.	PROPN
fsr-3196	641	11	,	,	PUNCT
fsr-3196	641	12	&	&	CCONJ
fsr-3196	641	13	hoyt	hoyt	PROPN
fsr-3196	641	14	,	,	PUNCT
fsr-3196	641	15	r.	r.	PROPN
fsr-3196	641	16	e.	e.	PROPN
fsr-3196	641	17	(	(	PUNCT
fsr-3196	641	18	2010	2010	NUM
fsr-3196	641	19	)	)	PUNCT
fsr-3196	641	20	.	.	PUNCT
fsr-3196	642	1	the	the	DET
fsr-3196	642	2	demand	demand	NOUN
fsr-3196	642	3	for	for	ADP
fsr-3196	642	4	life	life	NOUN
fsr-3196	642	5	insurance	insurance	NOUN
fsr-3196	642	6	policy	policy	NOUN
fsr-3196	642	7	loans	loan	NOUN
fsr-3196	642	8	.	.	PUNCT
fsr-3196	643	1	journal	journal	NOUN
fsr-3196	643	2	of	of	ADP
fsr-3196	643	3	risk	risk	NOUN
fsr-3196	643	4	and	and	CCONJ
fsr-3196	643	5	insurance	insurance	NOUN
fsr-3196	643	6	,	,	PUNCT
fsr-3196	643	7	77	77	NUM
fsr-3196	643	8	,	,	PUNCT
fsr-3196	643	9	651–666	651–666	NUM
fsr-3196	643	10	.	.	PUNCT
fsr-3196	644	1	https://doi.org/10.1111/j.1539-6975.2010.01359.x	https://doi.org/10.1111/j.1539-6975.2010.01359.x	PROPN
fsr-3196	644	2	lin	lin	PROPN
fsr-3196	644	3	,	,	PUNCT
fsr-3196	644	4	y.	y.	PROPN
fsr-3196	644	5	,	,	PUNCT
fsr-3196	644	6	&	&	CCONJ
fsr-3196	644	7	grace	grace	NOUN
fsr-3196	644	8	,	,	PUNCT
fsr-3196	644	9	m.	m.	NOUN
fsr-3196	644	10	(	(	PUNCT
fsr-3196	644	11	2007	2007	NUM
fsr-3196	644	12	)	)	PUNCT
fsr-3196	644	13	.	.	PUNCT
fsr-3196	645	1	household	household	NOUN
fsr-3196	645	2	life	life	NOUN
fsr-3196	645	3	cycle	cycle	NOUN
fsr-3196	645	4	protection	protection	NOUN
fsr-3196	645	5	:	:	PUNCT
fsr-3196	645	6	life	life	NOUN
fsr-3196	645	7	insurance	insurance	NOUN
fsr-3196	645	8	holdings	holding	NOUN
fsr-3196	645	9	,	,	PUNCT
fsr-3196	645	10	financial	financial	ADJ
fsr-3196	645	11	vulnerability	vulnerability	NOUN
fsr-3196	645	12	,	,	PUNCT
fsr-3196	645	13	and	and	CCONJ
fsr-3196	645	14	portfolio	portfolio	NOUN
fsr-3196	645	15	implications	implication	NOUN
fsr-3196	645	16	.	.	PUNCT
fsr-3196	646	1	journal	journal	NOUN
fsr-3196	646	2	of	of	ADP
fsr-3196	646	3	risk	risk	NOUN
fsr-3196	646	4	and	and	CCONJ
fsr-3196	646	5	insurance	insurance	NOUN
fsr-3196	646	6	,	,	PUNCT
fsr-3196	646	7	74(1	74(1	NOUN
fsr-3196	646	8	)	)	PUNCT
fsr-3196	646	9	,	,	PUNCT
fsr-3196	646	10	141–173	141–173	NUM
fsr-3196	646	11	.	.	PUNCT
fsr-3196	647	1	linton	linton	PROPN
fsr-3196	647	2	,	,	PUNCT
fsr-3196	647	3	m.	m.	NOUN
fsr-3196	647	4	a.	a.	NOUN
fsr-3196	647	5	(	(	PUNCT
fsr-3196	647	6	1932	1932	NUM
fsr-3196	647	7	)	)	PUNCT
fsr-3196	647	8	.	.	PUNCT
fsr-3196	648	1	panics	panic	NOUN
fsr-3196	648	2	and	and	CCONJ
fsr-3196	648	3	cash	cash	NOUN
fsr-3196	648	4	values	value	NOUN
fsr-3196	648	5	.	.	PUNCT
fsr-3196	649	1	transactions	transaction	NOUN
fsr-3196	649	2	of	of	ADP
fsr-3196	649	3	the	the	DET
fsr-3196	649	4	actuarial	actuarial	ADJ
fsr-3196	649	5	society	society	NOUN
fsr-3196	649	6	of	of	ADP
fsr-3196	649	7	america	america	PROPN
fsr-3196	649	8	,	,	PUNCT
fsr-3196	649	9	33	33	NUM
fsr-3196	649	10	,	,	PUNCT
fsr-3196	649	11	265–394	265–394	NUM
fsr-3196	649	12	.	.	PUNCT
fsr-3196	649	13	lusardi	lusardi	PROPN
fsr-3196	649	14	,	,	PUNCT
fsr-3196	649	15	a.	a.	PROPN
fsr-3196	649	16	,	,	PUNCT
fsr-3196	649	17	&	&	CCONJ
fsr-3196	649	18	tufano	tufano	ADJ
fsr-3196	649	19	,	,	PUNCT
fsr-3196	649	20	p.	p.	NOUN
fsr-3196	649	21	(	(	PUNCT
fsr-3196	649	22	2009	2009	NUM
fsr-3196	649	23	)	)	PUNCT
fsr-3196	649	24	.	.	PUNCT
fsr-3196	650	1	debt	debt	NOUN
fsr-3196	650	2	literacy	literacy	NOUN
fsr-3196	650	3	,	,	PUNCT
fsr-3196	650	4	financial	financial	ADJ
fsr-3196	650	5	experiences	experience	NOUN
fsr-3196	650	6	,	,	PUNCT
fsr-3196	650	7	and	and	CCONJ
fsr-3196	650	8	overindebtedness	overindebtedness	NOUN
fsr-3196	650	9	(	(	PUNCT
fsr-3196	650	10	no	no	INTJ
fsr-3196	650	11	.	.	PUNCT
fsr-3196	651	1	w14808	w14808	NOUN
fsr-3196	651	2	)	)	PUNCT
fsr-3196	651	3	.	.	PUNCT
fsr-3196	652	1	cambridge	cambridge	PROPN
fsr-3196	652	2	,	,	PUNCT
fsr-3196	652	3	ma	ma	PROPN
fsr-3196	652	4	:	:	PUNCT
fsr-3196	652	5	national	national	PROPN
fsr-3196	652	6	bureau	bureau	PROPN
fsr-3196	652	7	of	of	ADP
fsr-3196	652	8	economic	economic	ADJ
fsr-3196	652	9	research	research	NOUN
fsr-3196	652	10	.	.	PUNCT
fsr-3196	653	1	https://www.nber.org/papers/w14808	https://www.nber.org/papers/w14808	PROPN
fsr-3196	653	2	mcardle	mcardle	PROPN
fsr-3196	653	3	,	,	PUNCT
fsr-3196	653	4	j.	j.	PROPN
fsr-3196	653	5	j.	j.	PROPN
fsr-3196	653	6	,	,	PUNCT
fsr-3196	653	7	smith	smith	PROPN
fsr-3196	653	8	,	,	PUNCT
fsr-3196	653	9	j.	j.	PROPN
fsr-3196	653	10	p.	p.	PROPN
fsr-3196	653	11	,	,	PUNCT
fsr-3196	653	12	&	&	CCONJ
fsr-3196	653	13	willis	willis	PROPN
fsr-3196	653	14	,	,	PUNCT
fsr-3196	653	15	r.	r.	PROPN
fsr-3196	653	16	(	(	PUNCT
fsr-3196	653	17	2011	2011	NUM
fsr-3196	653	18	)	)	PUNCT
fsr-3196	653	19	.	.	PUNCT
fsr-3196	654	1	cognition	cognition	NOUN
fsr-3196	654	2	and	and	CCONJ
fsr-3196	654	3	economic	economic	ADJ
fsr-3196	654	4	outcomes	outcome	NOUN
fsr-3196	654	5	in	in	ADP
fsr-3196	654	6	the	the	DET
fsr-3196	654	7	health	health	NOUN
fsr-3196	654	8	and	and	CCONJ
fsr-3196	654	9	retirement	retirement	NOUN
fsr-3196	654	10	survey	survey	NOUN
fsr-3196	654	11	.	.	PUNCT
fsr-3196	655	1	in	in	ADP
fsr-3196	655	2	d.	d.	PROPN
fsr-3196	655	3	a.	a.	PROPN
fsr-3196	655	4	wise	wise	PROPN
fsr-3196	655	5	(	(	PUNCT
fsr-3196	655	6	ed	ed	NOUN
fsr-3196	655	7	.	.	PUNCT
fsr-3196	655	8	)	)	PUNCT
fsr-3196	655	9	,	,	PUNCT
fsr-3196	655	10	explorations	exploration	NOUN
fsr-3196	655	11	in	in	ADP
fsr-3196	655	12	the	the	DET
fsr-3196	655	13	economics	economic	NOUN
fsr-3196	655	14	of	of	ADP
fsr-3196	655	15	aging	age	VERB
fsr-3196	655	16	(	(	PUNCT
fsr-3196	655	17	pp	pp	ADJ
fsr-3196	655	18	.	.	PUNCT
fsr-3196	656	1	209–233	209–233	NUM
fsr-3196	656	2	)	)	PUNCT
fsr-3196	656	3	.	.	PUNCT
fsr-3196	657	1	chicago	chicago	PROPN
fsr-3196	657	2	,	,	PUNCT
fsr-3196	657	3	il	il	PROPN
fsr-3196	657	4	:	:	PUNCT
fsr-3196	657	5	university	university	PROPN
fsr-3196	657	6	of	of	ADP
fsr-3196	657	7	chicago	chicago	PROPN
fsr-3196	657	8	press	press	NOUN
fsr-3196	657	9	.	.	PUNCT
fsr-3196	658	1	milevsky	milevsky	NOUN
fsr-3196	658	2	,	,	PUNCT
fsr-3196	658	3	m.	m.	NOUN
fsr-3196	658	4	a.	a.	NOUN
fsr-3196	658	5	(	(	PUNCT
fsr-3196	658	6	2006	2006	NUM
fsr-3196	658	7	)	)	PUNCT
fsr-3196	658	8	.	.	PUNCT
fsr-3196	659	1	the	the	DET
fsr-3196	659	2	calculus	calculus	NOUN
fsr-3196	659	3	of	of	ADP
fsr-3196	659	4	retirement	retirement	NOUN
fsr-3196	659	5	income	income	NOUN
fsr-3196	659	6	:	:	PUNCT
fsr-3196	659	7	financial	financial	ADJ
fsr-3196	659	8	models	model	NOUN
fsr-3196	659	9	for	for	ADP
fsr-3196	659	10	pension	pension	NOUN
fsr-3196	659	11	annuities	annuity	NOUN
fsr-3196	659	12	and	and	CCONJ
fsr-3196	659	13	life	life	NOUN
fsr-3196	659	14	insurance	insurance	NOUN
fsr-3196	659	15	(	(	PUNCT
fsr-3196	659	16	pp	pp	ADP
fsr-3196	659	17	138–162	138–162	NUM
fsr-3196	659	18	)	)	PUNCT
fsr-3196	659	19	.	.	PUNCT
fsr-3196	660	1	new	new	PROPN
fsr-3196	660	2	york	york	PROPN
fsr-3196	660	3	,	,	PUNCT
fsr-3196	660	4	ny	ny	PROPN
fsr-3196	660	5	:	:	PUNCT
fsr-3196	660	6	cambridge	cambridge	PROPN
fsr-3196	660	7	university	university	PROPN
fsr-3196	660	8	press	press	NOUN
fsr-3196	660	9	.	.	PUNCT
fsr-3196	661	1	mulholland	mulholland	PROPN
fsr-3196	661	2	,	,	PUNCT
fsr-3196	661	3	b.	b.	PROPN
fsr-3196	661	4	s.	s.	PROPN
fsr-3196	661	5	,	,	PUNCT
fsr-3196	661	6	finke	finke	PROPN
fsr-3196	661	7	,	,	PUNCT
fsr-3196	661	8	m.	m.	NOUN
fsr-3196	661	9	s.	s.	PROPN
fsr-3196	661	10	,	,	PUNCT
fsr-3196	661	11	&	&	CCONJ
fsr-3196	661	12	huston	huston	PROPN
fsr-3196	661	13	,	,	PUNCT
fsr-3196	661	14	s.	s.	PROPN
fsr-3196	661	15	j.	j.	PROPN
fsr-3196	661	16	(	(	PUNCT
fsr-3196	661	17	2016	2016	NUM
fsr-3196	661	18	)	)	PUNCT
fsr-3196	661	19	.	.	PUNCT
fsr-3196	662	1	understanding	understand	VERB
fsr-3196	662	2	the	the	DET
fsr-3196	662	3	shift	shift	NOUN
fsr-3196	662	4	in	in	ADP
fsr-3196	662	5	demand	demand	NOUN
fsr-3196	662	6	for	for	ADP
fsr-3196	662	7	cash	cash	NOUN
fsr-3196	662	8	value	value	NOUN
fsr-3196	662	9	life	life	NOUN
fsr-3196	662	10	insurance	insurance	NOUN
fsr-3196	662	11	.	.	PUNCT
fsr-3196	663	1	risk	risk	NOUN
fsr-3196	663	2	management	management	NOUN
fsr-3196	663	3	and	and	CCONJ
fsr-3196	663	4	insurance	insurance	NOUN
fsr-3196	663	5	review	review	NOUN
fsr-3196	663	6	,	,	PUNCT
fsr-3196	663	7	19	19	NUM
fsr-3196	663	8	,	,	PUNCT
fsr-3196	663	9	7–36	7–36	PROPN
fsr-3196	663	10	.	.	PUNCT
fsr-3196	664	1	https://doi.org/10.1111/rmir.12031	https://doi.org/10.1111/rmir.12031	PROPN
fsr-3196	664	2	nolte	nolte	PROPN
fsr-3196	664	3	,	,	PUNCT
fsr-3196	664	4	s.	s.	PROPN
fsr-3196	664	5	,	,	PUNCT
fsr-3196	664	6	&	&	CCONJ
fsr-3196	664	7	schneider	schneider	PROPN
fsr-3196	664	8	,	,	PUNCT
fsr-3196	664	9	j.	j.	PROPN
fsr-3196	664	10	(	(	PUNCT
fsr-3196	664	11	2017	2017	NUM
fsr-3196	664	12	)	)	PUNCT
fsr-3196	664	13	.	.	PUNCT
fsr-3196	665	1	do	do	VERB
fsr-3196	665	2	n’t	n’t	ADJ
fsr-3196	665	3	lapse	lapse	NOUN
fsr-3196	665	4	into	into	ADP
fsr-3196	665	5	temptation	temptation	NOUN
fsr-3196	665	6	:	:	PUNCT
fsr-3196	665	7	a	a	DET
fsr-3196	665	8	behavioral	behavioral	ADJ
fsr-3196	665	9	explanation	explanation	NOUN
fsr-3196	665	10	for	for	ADP
fsr-3196	665	11	policy	policy	NOUN
fsr-3196	665	12	surrender	surrender	NOUN
fsr-3196	665	13	.	.	PUNCT
fsr-3196	666	1	journal	journal	PROPN
fsr-3196	666	2	of	of	ADP
fsr-3196	666	3	banking	banking	NOUN
fsr-3196	666	4	&	&	CCONJ
fsr-3196	666	5	finance	finance	PROPN
fsr-3196	666	6	,	,	PUNCT
fsr-3196	666	7	79	79	NUM
fsr-3196	666	8	,	,	PUNCT
fsr-3196	666	9	12–27	12–27	NUM
fsr-3196	666	10	.	.	PUNCT
fsr-3196	667	1	https://doi.org/10.1016/j.jbankfin.2017.02.011	https://doi.org/10.1016/j.jbankfin.2017.02.011	PROPN
fsr-3196	667	2	ofstedal	ofstedal	NOUN
fsr-3196	667	3	,	,	PUNCT
fsr-3196	667	4	m.	m.	PROPN
fsr-3196	667	5	b.	b.	PROPN
fsr-3196	667	6	,	,	PUNCT
fsr-3196	667	7	fisher	fisher	PROPN
fsr-3196	667	8	,	,	PUNCT
fsr-3196	667	9	g.	g.	PROPN
fsr-3196	667	10	g.	g.	PROPN
fsr-3196	667	11	,	,	PUNCT
fsr-3196	667	12	&	&	CCONJ
fsr-3196	667	13	herzog	herzog	PROPN
fsr-3196	667	14	,	,	PUNCT
fsr-3196	667	15	a.	a.	PROPN
fsr-3196	667	16	r.	r.	PROPN
fsr-3196	667	17	(	(	PUNCT
fsr-3196	667	18	2005	2005	NUM
fsr-3196	667	19	)	)	PUNCT
fsr-3196	667	20	.	.	PUNCT
fsr-3196	668	1	documentation	documentation	NOUN
fsr-3196	668	2	of	of	ADP
fsr-3196	668	3	cognitive	cognitive	ADJ
fsr-3196	668	4	functioning	function	VERB
fsr-3196	668	5	measures	measure	NOUN
fsr-3196	668	6	in	in	ADP
fsr-3196	668	7	the	the	DET
fsr-3196	668	8	health	health	NOUN
fsr-3196	668	9	and	and	CCONJ
fsr-3196	668	10	retirement	retirement	NOUN
fsr-3196	668	11	study	study	NOUN
fsr-3196	668	12	.	.	PUNCT
fsr-3196	669	1	hrs	hrs	NOUN
fsr-3196	669	2	documentation	documentation	NOUN
fsr-3196	669	3	report	report	NOUN
fsr-3196	669	4	dr-006	dr-006	PROPN
fsr-3196	669	5	.	.	PUNCT
fsr-3196	669	6	institute	institute	PROPN
fsr-3196	669	7	for	for	ADP
fsr-3196	669	8	social	social	ADJ
fsr-3196	669	9	research	research	NOUN
fsr-3196	669	10	.	.	PUNCT
fsr-3196	670	1	ann	ann	PROPN
fsr-3196	670	2	arbor	arbor	PROPN
fsr-3196	670	3	,	,	PUNCT
fsr-3196	670	4	mi	mi	PROPN
fsr-3196	670	5	:	:	PUNCT
fsr-3196	670	6	university	university	PROPN
fsr-3196	670	7	of	of	ADP
fsr-3196	670	8	michigan	michigan	PROPN
fsr-3196	670	9	.	.	PUNCT
fsr-3196	670	10	outreville	outreville	PROPN
fsr-3196	670	11	,	,	PUNCT
fsr-3196	670	12	j.	j.	PROPN
fsr-3196	670	13	f.	f.	PROPN
fsr-3196	670	14	(	(	PUNCT
fsr-3196	670	15	1990	1990	NUM
fsr-3196	670	16	)	)	PUNCT
fsr-3196	670	17	.	.	PUNCT
fsr-3196	671	1	whole	whole	ADJ
fsr-3196	671	2	-	-	PUNCT
fsr-3196	671	3	life	life	NOUN
fsr-3196	671	4	insurance	insurance	NOUN
fsr-3196	671	5	lapse	lapse	NOUN
fsr-3196	671	6	rates	rate	NOUN
fsr-3196	671	7	and	and	CCONJ
fsr-3196	671	8	the	the	DET
fsr-3196	671	9	emergency	emergency	NOUN
fsr-3196	671	10	fund	fund	NOUN
fsr-3196	671	11	hypothesis	hypothesis	NOUN
fsr-3196	671	12	.	.	PUNCT
fsr-3196	672	1	insurance	insurance	NOUN
fsr-3196	672	2	:	:	PUNCT
fsr-3196	672	3	mathematics	mathematic	NOUN
fsr-3196	672	4	and	and	CCONJ
fsr-3196	672	5	economics	economic	NOUN
fsr-3196	672	6	,	,	PUNCT
fsr-3196	672	7	9	9	NUM
fsr-3196	672	8	,	,	PUNCT
fsr-3196	672	9	249–255	249–255	NUM
fsr-3196	672	10	.	.	PUNCT
fsr-3196	673	1	https://doi.org/10.1016/0167-6687(90)90002-u	https://doi.org/10.1016/0167-6687(90)90002-u	PROPN
fsr-3196	673	2	rankin	rankin	PROPN
fsr-3196	673	3	,	,	PUNCT
fsr-3196	673	4	d.	d.	PROPN
fsr-3196	673	5	(	(	PUNCT
fsr-3196	673	6	1987	1987	NUM
fsr-3196	673	7	)	)	PUNCT
fsr-3196	673	8	.	.	PUNCT
fsr-3196	674	1	personal	personal	ADJ
fsr-3196	674	2	finance	finance	NOUN
fsr-3196	674	3	:	:	PUNCT
fsr-3196	674	4	using	use	VERB
fsr-3196	674	5	life	life	NOUN
fsr-3196	674	6	insurance	insurance	NOUN
fsr-3196	674	7	as	as	ADP
fsr-3196	674	8	a	a	DET
fsr-3196	674	9	tax	tax	NOUN
fsr-3196	674	10	shelter	shelter	NOUN
fsr-3196	674	11	.	.	PUNCT
fsr-3196	675	1	new	new	PROPN
fsr-3196	675	2	york	york	PROPN
fsr-3196	675	3	times	times	PROPN
fsr-3196	675	4	.	.	PUNCT
fsr-3196	676	1	available	available	ADJ
fsr-3196	676	2	at	at	ADP
fsr-3196	676	3	http://www.nytimes.com/1987/05/10/business/personal-finance-using-life-insurance-as-a-tax-shelter.html	http://www.nytimes.com/1987/05/10/business/personal-finance-using-life-insurance-as-a-tax-shelter.html	PROPN
fsr-3196	676	4	?	?	PUNCT
fsr-3196	677	1	pagewanted	pagewante	VERB
fsr-3196	677	2	=	=	NOUN
fsr-3196	677	3	print&src	print&src	NOUN
fsr-3196	677	4	=	=	NOUN
fsr-3196	677	5	pm	pm	PROPN
fsr-3196	677	6	b.	b.	PROPN
fsr-3196	677	7	s.	s.	PROPN
fsr-3196	677	8	mulholland	mulholland	PROPN
fsr-3196	677	9	and	and	CCONJ
fsr-3196	677	10	m.	m.	PROPN
fsr-3196	677	11	s.	s.	PROPN
fsr-3196	677	12	finke	finke	PROPN
fsr-3196	677	13	/	/	SYM
fsr-3196	677	14	financial	financial	ADJ
fsr-3196	677	15	services	service	NOUN
fsr-3196	677	16	review	review	VERB
fsr-3196	677	17	31	31	NUM
fsr-3196	677	18	(	(	PUNCT
fsr-3196	677	19	2023	2023	NUM
fsr-3196	677	20	)	)	PUNCT
fsr-3196	678	1	73–96	73–96	NUM
fsr-3196	678	2	95	95	NUM
fsr-3196	678	3	russell	russell	PROPN
fsr-3196	678	4	,	,	PUNCT
fsr-3196	678	5	d.	d.	PROPN
fsr-3196	678	6	t.	t.	PROPN
fsr-3196	678	7	,	,	PUNCT
fsr-3196	678	8	fier	fier	PROPN
fsr-3196	678	9	,	,	PUNCT
fsr-3196	678	10	s.	s.	PROPN
fsr-3196	678	11	g.	g.	PROPN
fsr-3196	678	12	,	,	PUNCT
fsr-3196	678	13	carson	carson	PROPN
fsr-3196	678	14	,	,	PUNCT
fsr-3196	678	15	j.	j.	PROPN
fsr-3196	678	16	m.	m.	PROPN
fsr-3196	678	17	,	,	PUNCT
fsr-3196	678	18	&	&	CCONJ
fsr-3196	678	19	dumm	dumm	PROPN
fsr-3196	678	20	,	,	PUNCT
fsr-3196	678	21	r.	r.	PROPN
fsr-3196	678	22	e.	e.	PROPN
fsr-3196	678	23	(	(	PUNCT
fsr-3196	678	24	2013	2013	NUM
fsr-3196	678	25	)	)	PUNCT
fsr-3196	678	26	.	.	PUNCT
fsr-3196	679	1	an	an	DET
fsr-3196	679	2	empirical	empirical	ADJ
fsr-3196	679	3	analysis	analysis	NOUN
fsr-3196	679	4	of	of	ADP
fsr-3196	679	5	life	life	NOUN
fsr-3196	679	6	insurance	insurance	NOUN
fsr-3196	679	7	policy	policy	NOUN
fsr-3196	679	8	surrender	surrender	NOUN
fsr-3196	679	9	activity	activity	NOUN
fsr-3196	679	10	.	.	PUNCT
fsr-3196	680	1	journal	journal	PROPN
fsr-3196	680	2	of	of	ADP
fsr-3196	680	3	insurance	insurance	NOUN
fsr-3196	680	4	issues	issue	NOUN
fsr-3196	680	5	,	,	PUNCT
fsr-3196	680	6	36	36	NUM
fsr-3196	680	7	,	,	PUNCT
fsr-3196	680	8	35–57	35–57	NUM
fsr-3196	680	9	.	.	PUNCT
fsr-3196	681	1	schott	schott	PROPN
fsr-3196	681	2	,	,	PUNCT
fsr-3196	681	3	f.	f.	PROPN
fsr-3196	681	4	h.	h.	PROPN
fsr-3196	681	5	(	(	PUNCT
fsr-3196	681	6	1971	1971	NUM
fsr-3196	681	7	)	)	PUNCT
fsr-3196	681	8	.	.	PUNCT
fsr-3196	682	1	disintermediation	disintermediation	NOUN
fsr-3196	682	2	through	through	ADP
fsr-3196	682	3	policy	policy	NOUN
fsr-3196	682	4	loans	loan	NOUN
fsr-3196	682	5	at	at	ADP
fsr-3196	682	6	life	life	NOUN
fsr-3196	682	7	insurance	insurance	NOUN
fsr-3196	682	8	companies	company	NOUN
fsr-3196	682	9	.	.	PUNCT
fsr-3196	683	1	the	the	DET
fsr-3196	683	2	journal	journal	PROPN
fsr-3196	683	3	of	of	ADP
fsr-3196	683	4	finance	finance	NOUN
fsr-3196	683	5	,	,	PUNCT
fsr-3196	683	6	26	26	NUM
fsr-3196	683	7	,	,	PUNCT
fsr-3196	683	8	719–729	719–729	NUM
fsr-3196	683	9	.	.	PUNCT
fsr-3196	684	1	https://doi.org/10.1111/j.1540-6261.1971.tb01725.x	https://doi.org/10.1111/j.1540-6261.1971.tb01725.x	PROPN
fsr-3196	684	2	smith	smith	PROPN
fsr-3196	684	3	,	,	PUNCT
fsr-3196	684	4	j.	j.	PROPN
fsr-3196	684	5	p.	p.	PROPN
fsr-3196	684	6	,	,	PUNCT
fsr-3196	684	7	mcardle	mcardle	PROPN
fsr-3196	684	8	,	,	PUNCT
fsr-3196	684	9	j.	j.	PROPN
fsr-3196	684	10	j.	j.	PROPN
fsr-3196	684	11	,	,	PUNCT
fsr-3196	684	12	&	&	CCONJ
fsr-3196	684	13	willis	willis	PROPN
fsr-3196	684	14	,	,	PUNCT
fsr-3196	684	15	r.	r.	PROPN
fsr-3196	684	16	(	(	PUNCT
fsr-3196	684	17	2010	2010	NUM
fsr-3196	684	18	)	)	PUNCT
fsr-3196	684	19	.	.	PUNCT
fsr-3196	685	1	financial	financial	ADJ
fsr-3196	685	2	decision	decision	NOUN
fsr-3196	685	3	making	making	NOUN
fsr-3196	685	4	and	and	CCONJ
fsr-3196	685	5	cognition	cognition	NOUN
fsr-3196	685	6	in	in	ADP
fsr-3196	685	7	a	a	DET
fsr-3196	685	8	family	family	NOUN
fsr-3196	685	9	context	context	NOUN
fsr-3196	685	10	.	.	PUNCT
fsr-3196	686	1	economic	economic	ADJ
fsr-3196	686	2	journal	journal	PROPN
fsr-3196	686	3	(	(	PUNCT
fsr-3196	686	4	london	london	PROPN
fsr-3196	686	5	,	,	PUNCT
fsr-3196	686	6	england	england	PROPN
fsr-3196	686	7	)	)	PUNCT
fsr-3196	686	8	,	,	PUNCT
fsr-3196	686	9	120	120	NUM
fsr-3196	686	10	,	,	PUNCT
fsr-3196	686	11	f363	f363	PROPN
fsr-3196	686	12	–	–	PUNCT
fsr-3196	686	13	f380	f380	PROPN
fsr-3196	686	14	.	.	PUNCT
fsr-3196	686	15	https://doi.org/10.1111/j.1468-0297.2010.02394.x	https://doi.org/10.1111/j.1468-0297.2010.02394.x	PROPN
fsr-3196	686	16	yaari	yaari	PROPN
fsr-3196	686	17	,	,	PUNCT
fsr-3196	686	18	m.	m.	NOUN
fsr-3196	686	19	(	(	PUNCT
fsr-3196	686	20	1965	1965	NUM
fsr-3196	686	21	)	)	PUNCT
fsr-3196	686	22	.	.	PUNCT
fsr-3196	687	1	uncertain	uncertain	ADJ
fsr-3196	687	2	lifetime	lifetime	NOUN
fsr-3196	687	3	,	,	PUNCT
fsr-3196	687	4	life	life	NOUN
fsr-3196	687	5	insurance	insurance	NOUN
fsr-3196	687	6	,	,	PUNCT
fsr-3196	687	7	and	and	CCONJ
fsr-3196	687	8	the	the	DET
fsr-3196	687	9	theory	theory	NOUN
fsr-3196	687	10	of	of	ADP
fsr-3196	687	11	the	the	DET
fsr-3196	687	12	consumer	consumer	NOUN
fsr-3196	687	13	.	.	PUNCT
fsr-3196	688	1	the	the	DET
fsr-3196	688	2	review	review	NOUN
fsr-3196	688	3	of	of	ADP
fsr-3196	688	4	economic	economic	ADJ
fsr-3196	688	5	studies	study	NOUN
fsr-3196	688	6	,	,	PUNCT
fsr-3196	688	7	32	32	NUM
fsr-3196	688	8	,	,	PUNCT
fsr-3196	688	9	137–150	137–150	NUM
fsr-3196	688	10	.	.	PUNCT
fsr-3196	689	1	https://doi.org/10.2307/2296058	https://doi.org/10.2307/2296058	ADJ
fsr-3196	689	2	zietz	zietz	NOUN
fsr-3196	689	3	,	,	PUNCT
fsr-3196	689	4	e.	e.	PROPN
fsr-3196	689	5	(	(	PUNCT
fsr-3196	689	6	2003	2003	NUM
fsr-3196	689	7	)	)	PUNCT
fsr-3196	689	8	.	.	PUNCT
fsr-3196	690	1	an	an	DET
fsr-3196	690	2	examination	examination	NOUN
fsr-3196	690	3	of	of	ADP
fsr-3196	690	4	the	the	DET
fsr-3196	690	5	demand	demand	NOUN
fsr-3196	690	6	for	for	ADP
fsr-3196	690	7	life	life	NOUN
fsr-3196	690	8	insurance	insurance	NOUN
fsr-3196	690	9	.	.	PUNCT
fsr-3196	691	1	risk	risk	NOUN
fsr-3196	691	2	management	management	NOUN
fsr-3196	691	3	and	and	CCONJ
fsr-3196	691	4	insurance	insurance	NOUN
fsr-3196	691	5	review	review	NOUN
fsr-3196	691	6	,	,	PUNCT
fsr-3196	691	7	6	6	NUM
fsr-3196	691	8	,	,	PUNCT
fsr-3196	691	9	159–191	159–191	NUM
fsr-3196	691	10	.	.	PUNCT
fsr-3196	691	11	https://doi.org/10.1046/j.1098-1616.2003.030.x	https://doi.org/10.1046/j.1098-1616.2003.030.x	PROPN
fsr-3196	691	12	96	96	NUM
fsr-3196	691	13	b.	b.	PROPN
fsr-3196	691	14	s.	s.	PROPN
fsr-3196	691	15	mulholland	mulholland	PROPN
fsr-3196	691	16	and	and	CCONJ
fsr-3196	691	17	m.	m.	PROPN
fsr-3196	691	18	s.	s.	PROPN
fsr-3196	691	19	finke	finke	PROPN
fsr-3196	691	20	/	/	SYM
fsr-3196	691	21	financial	financial	ADJ
fsr-3196	691	22	services	service	NOUN
fsr-3196	691	23	review	review	VERB
fsr-3196	691	24	31	31	NUM
fsr-3196	691	25	(	(	PUNCT
fsr-3196	691	26	2023	2023	NUM
fsr-3196	691	27	)	)	PUNCT
fsr-3196	691	28	73–96	73–96	NUM