id	sid	tid	token	lemma	pos
fsr-3197	1	1	untitled	untitle	VERB
fsr-3197	1	2	ce	ce	PROPN
fsr-3197	1	3	1	1	NUM
fsr-3197	1	4	-	-	PUNCT
fsr-3197	1	5	hour	hour	NOUN
fsr-3197	1	6	general	general	ADJ
fsr-3197	1	7	principles	principle	NOUN
fsr-3197	1	8	of	of	ADP
fsr-3197	1	9	financial	financial	ADJ
fsr-3197	1	10	planning	planning	NOUN
fsr-3197	1	11	,	,	PUNCT
fsr-3197	1	12	risk	risk	NOUN
fsr-3197	1	13	and	and	CCONJ
fsr-3197	1	14	insurance	insurance	NOUN
fsr-3197	1	15	planning	planning	NOUN
fsr-3197	1	16	,	,	PUNCT
fsr-3197	1	17	and	and	CCONJ
fsr-3197	1	18	estate	estate	NOUN
fsr-3197	1	19	planning	planning	NOUN
fsr-3197	1	20	afs	afs	NOUN
fsr-3197	1	21	and	and	CCONJ
fsr-3197	1	22	fpa	fpa	PROPN
fsr-3197	1	23	members	member	NOUN
fsr-3197	1	24	can	can	AUX
fsr-3197	1	25	earn	earn	VERB
fsr-3197	1	26	ce	ce	PROPN
fsr-3197	1	27	credits	credit	NOUN
fsr-3197	1	28	through	through	ADP
fsr-3197	1	29	financial	financial	ADJ
fsr-3197	1	30	services	service	NOUN
fsr-3197	1	31	review	review	NOUN
fsr-3197	1	32	.	.	PUNCT
fsr-3197	2	1	go	go	VERB
fsr-3197	2	2	to	to	ADP
fsr-3197	2	3	fpajournal.org	fpajournal.org	PROPN
fsr-3197	2	4	.	.	PUNCT
fsr-3197	3	1	to	to	PART
fsr-3197	3	2	receive	receive	VERB
fsr-3197	3	3	one	one	NUM
fsr-3197	3	4	hour	hour	NOUN
fsr-3197	3	5	of	of	ADP
fsr-3197	3	6	continuing	continue	VERB
fsr-3197	3	7	education	education	NOUN
fsr-3197	3	8	credit	credit	NOUN
fsr-3197	3	9	allotted	allot	VERB
fsr-3197	3	10	for	for	ADP
fsr-3197	3	11	this	this	DET
fsr-3197	3	12	exam	exam	NOUN
fsr-3197	3	13	,	,	PUNCT
fsr-3197	3	14	you	you	PRON
fsr-3197	3	15	must	must	AUX
fsr-3197	3	16	answer	answer	VERB
fsr-3197	3	17	four	four	NUM
fsr-3197	3	18	out	out	ADP
fsr-3197	3	19	of	of	ADP
fsr-3197	3	20	five	five	NUM
fsr-3197	3	21	questions	question	NOUN
fsr-3197	3	22	correctly	correctly	ADV
fsr-3197	3	23	.	.	PUNCT
fsr-3197	4	1	ce	ce	PROPN
fsr-3197	4	2	credit	credit	NOUN
fsr-3197	4	3	for	for	ADP
fsr-3197	4	4	this	this	DET
fsr-3197	4	5	issue	issue	NOUN
fsr-3197	4	6	of	of	ADP
fsr-3197	4	7	financial	financial	ADJ
fsr-3197	4	8	services	service	NOUN
fsr-3197	4	9	review	review	NOUN
fsr-3197	4	10	expires	expire	VERB
fsr-3197	4	11	december	december	PROPN
fsr-3197	4	12	31	31	NUM
fsr-3197	4	13	,	,	PUNCT
fsr-3197	4	14	2023	2023	NUM
fsr-3197	4	15	,	,	PUNCT
fsr-3197	4	16	subject	subject	ADJ
fsr-3197	4	17	to	to	ADP
fsr-3197	4	18	any	any	DET
fsr-3197	4	19	changes	change	NOUN
fsr-3197	4	20	dictated	dictate	VERB
fsr-3197	4	21	by	by	ADP
fsr-3197	4	22	cfp	cfp	PROPN
fsr-3197	4	23	board	board	PROPN
fsr-3197	4	24	.	.	PUNCT
fsr-3197	5	1	afs	afs	PROPN
fsr-3197	5	2	and	and	CCONJ
fsr-3197	5	3	fpa	fpa	PROPN
fsr-3197	5	4	offer	offer	VERB
fsr-3197	5	5	financial	financial	ADJ
fsr-3197	5	6	services	services	PROPN
fsr-3197	5	7	review	review	PROPN
fsr-3197	5	8	ce	ce	PROPN
fsr-3197	5	9	online	online	PROPN
fsr-3197	5	10	-	-	PUNCT
fsr-3197	5	11	only	only	ADV
fsr-3197	5	12	—	—	PUNCT
fsr-3197	5	13	paper	paper	NOUN
fsr-3197	5	14	continuing	continue	VERB
fsr-3197	5	15	education	education	NOUN
fsr-3197	5	16	will	will	AUX
fsr-3197	5	17	not	not	PART
fsr-3197	5	18	be	be	AUX
fsr-3197	5	19	processed	process	VERB
fsr-3197	5	20	.	.	PUNCT
fsr-3197	6	1	go	go	VERB
fsr-3197	6	2	to	to	ADP
fsr-3197	6	3	fpajournal.org	fpajournal.org	ADJ
fsr-3197	6	4	to	to	PART
fsr-3197	6	5	take	take	VERB
fsr-3197	6	6	current	current	ADJ
fsr-3197	6	7	and	and	CCONJ
fsr-3197	6	8	past	past	ADJ
fsr-3197	6	9	ce	ce	PROPN
fsr-3197	6	10	exams	exam	NOUN
fsr-3197	6	11	(	(	PUNCT
fsr-3197	6	12	free	free	ADJ
fsr-3197	6	13	to	to	PART
fsr-3197	6	14	afs	afs	NOUN
fsr-3197	6	15	and	and	CCONJ
fsr-3197	6	16	fpa	fpa	NOUN
fsr-3197	6	17	members	member	NOUN
fsr-3197	6	18	)	)	PUNCT
fsr-3197	6	19	.	.	PUNCT
fsr-3197	7	1	you	you	PRON
fsr-3197	7	2	may	may	AUX
fsr-3197	7	3	use	use	VERB
fsr-3197	7	4	this	this	DET
fsr-3197	7	5	page	page	NOUN
fsr-3197	7	6	for	for	ADP
fsr-3197	7	7	reference	reference	NOUN
fsr-3197	7	8	.	.	PUNCT
fsr-3197	8	1	please	please	AUX
fsr-3197	8	2	allow	allow	VERB
fsr-3197	8	3	2	2	NUM
fsr-3197	8	4	-	-	SYM
fsr-3197	8	5	3	3	NUM
fsr-3197	8	6	weeks	week	NOUN
fsr-3197	8	7	for	for	SCONJ
fsr-3197	8	8	credit	credit	NOUN
fsr-3197	8	9	to	to	PART
fsr-3197	8	10	be	be	AUX
fsr-3197	8	11	processed	process	VERB
fsr-3197	8	12	and	and	CCONJ
fsr-3197	8	13	reported	report	VERB
fsr-3197	8	14	to	to	ADP
fsr-3197	8	15	cfp	cfp	PROPN
fsr-3197	8	16	board	board	PROPN
fsr-3197	8	17	.	.	PUNCT
fsr-3197	9	1	1	1	X
fsr-3197	9	2	.	.	PUNCT
fsr-3197	9	3	a.	a.	PROPN
fsr-3197	9	4	b.	b.	PROPN
fsr-3197	9	5	c.	c.	PROPN
fsr-3197	9	6	d.	d.	PROPN
fsr-3197	9	7	2	2	NUM
fsr-3197	9	8	.	.	PUNCT
fsr-3197	9	9	a.	a.	PROPN
fsr-3197	9	10	policyholder	policyholder	PROPN
fsr-3197	9	11	b.	b.	PROPN
fsr-3197	9	12	beneficiaries	beneficiaries	PROPN
fsr-3197	9	13	c.	c.	PROPN
fsr-3197	9	14	insurance	insurance	PROPN
fsr-3197	9	15	company	company	PROPN
fsr-3197	9	16	d.	d.	PROPN
fsr-3197	9	17	all	all	PRON
fsr-3197	9	18	of	of	ADP
fsr-3197	9	19	the	the	DET
fsr-3197	9	20	above	above	ADP
fsr-3197	9	21	3	3	NUM
fsr-3197	9	22	.	.	PUNCT
fsr-3197	10	1	a.	a.	NOUN
fsr-3197	10	2	unexpected	unexpected	ADJ
fsr-3197	10	3	needs	need	NOUN
fsr-3197	10	4	of	of	ADP
fsr-3197	10	5	dependents	dependent	NOUN
fsr-3197	10	6	b.	b.	PROPN
fsr-3197	10	7	medical	medical	ADJ
fsr-3197	10	8	expense	expense	NOUN
fsr-3197	10	9	shocks	shock	VERB
fsr-3197	10	10	c.	c.	NOUN
fsr-3197	10	11	death	death	NOUN
fsr-3197	10	12	of	of	ADP
fsr-3197	10	13	the	the	DET
fsr-3197	10	14	insured	insure	VERB
fsr-3197	10	15	d.	d.	PROPN
fsr-3197	10	16	unemployment	unemployment	PROPN
fsr-3197	10	17	5	5	X
fsr-3197	10	18	.	.	PUNCT
fsr-3197	10	19	do	do	VERB
fsr-3197	10	20	large	large	ADJ
fsr-3197	10	21	401(k	401(k	PROPN
fsr-3197	10	22	)	)	PUNCT
fsr-3197	10	23	plans	plan	NOUN
fsr-3197	10	24	generally	generally	ADV
fsr-3197	10	25	have	have	VERB
fsr-3197	10	26	lower	low	ADJ
fsr-3197	10	27	fees	fee	NOUN
fsr-3197	10	28	than	than	ADP
fsr-3197	10	29	small	small	ADJ
fsr-3197	10	30	401(k	401(k	PROPN
fsr-3197	10	31	)	)	PUNCT
fsr-3197	10	32	plans	plan	NOUN
fsr-3197	10	33	?	?	PUNCT
fsr-3197	11	1	a.	a.	NOUN
fsr-3197	11	2	they	they	PRON
fsr-3197	11	3	generally	generally	ADV
fsr-3197	11	4	have	have	VERB
fsr-3197	11	5	the	the	DET
fsr-3197	11	6	same	same	ADJ
fsr-3197	11	7	level	level	NOUN
fsr-3197	11	8	of	of	ADP
fsr-3197	11	9	fees	fee	NOUN
fsr-3197	11	10	.	.	PUNCT
fsr-3197	12	1	b.	b.	PROPN
fsr-3197	12	2	small	small	PROPN
fsr-3197	12	3	401(k	401(k	PROPN
fsr-3197	12	4	)	)	PUNCT
fsr-3197	12	5	plans	plan	NOUN
fsr-3197	12	6	generally	generally	ADV
fsr-3197	12	7	have	have	VERB
fsr-3197	12	8	lower	low	ADJ
fsr-3197	12	9	fees	fee	NOUN
fsr-3197	12	10	than	than	ADP
fsr-3197	12	11	large	large	ADJ
fsr-3197	12	12	401(k	401(k	NOUN
fsr-3197	12	13	)	)	PUNCT
fsr-3197	12	14	plans	plan	NOUN
fsr-3197	12	15	.	.	PUNCT
fsr-3197	13	1	c.	c.	PROPN
fsr-3197	13	2	large	large	PROPN
fsr-3197	13	3	401(k	401(k	PROPN
fsr-3197	13	4	)	)	PUNCT
fsr-3197	13	5	plans	plan	NOUN
fsr-3197	13	6	generally	generally	ADV
fsr-3197	13	7	have	have	VERB
fsr-3197	13	8	lower	low	ADJ
fsr-3197	13	9	fees	fee	NOUN
fsr-3197	13	10	than	than	ADP
fsr-3197	13	11	small	small	ADJ
fsr-3197	13	12	401(k	401(k	PROPN
fsr-3197	13	13	)	)	PUNCT
fsr-3197	13	14	plans	plan	NOUN
fsr-3197	13	15	.	.	PUNCT
fsr-3197	14	1	d.	d.	NOUN
fsr-3197	14	2	the	the	DET
fsr-3197	14	3	level	level	NOUN
fsr-3197	14	4	of	of	ADP
fsr-3197	14	5	fees	fee	NOUN
fsr-3197	14	6	varies	vary	VERB
fsr-3197	14	7	for	for	ADP
fsr-3197	14	8	both	both	DET
fsr-3197	14	9	sizes	size	NOUN
fsr-3197	14	10	of	of	ADP
fsr-3197	14	11	plans	plan	NOUN
fsr-3197	14	12	so	so	SCONJ
fsr-3197	14	13	that	that	SCONJ
fsr-3197	14	14	you	you	PRON
fsr-3197	14	15	can	can	AUX
fsr-3197	14	16	not	not	PART
fsr-3197	14	17	make	make	VERB
fsr-3197	14	18	a	a	DET
fsr-3197	14	19	generalization	generalization	NOUN
fsr-3197	14	20	.	.	PUNCT
fsr-3197	15	1	4	4	X
fsr-3197	15	2	.	.	X
fsr-3197	15	3	are	be	AUX
fsr-3197	15	4	workers	worker	NOUN
fsr-3197	15	5	with	with	ADP
fsr-3197	15	6	low	low	ADJ
fsr-3197	15	7	financial	financial	ADJ
fsr-3197	15	8	literacy	literacy	NOUN
fsr-3197	15	9	generally	generally	ADV
fsr-3197	15	10	better	well	ADV
fsr-3197	15	11	off	off	ADP
fsr-3197	15	12	in	in	ADP
fsr-3197	15	13	iras	ira	NOUN
fsr-3197	15	14	or	or	CCONJ
fsr-3197	15	15	401(k	401(k	NOUN
fsr-3197	15	16	)	)	PUNCT
fsr-3197	15	17	plans	plan	NOUN
fsr-3197	15	18	?	?	PUNCT
fsr-3197	16	1	a.	a.	PROPN
fsr-3197	16	2	b.	b.	PROPN
fsr-3197	16	3	d.	d.	PROPN
fsr-3197	16	4	persons	person	NOUN
fsr-3197	16	5	with	with	ADP
fsr-3197	16	6	low	low	ADJ
fsr-3197	16	7	financial	financial	ADJ
fsr-3197	16	8	literacy	literacy	NOUN
fsr-3197	16	9	are	be	AUX
fsr-3197	16	10	generally	generally	ADV
fsr-3197	16	11	equally	equally	ADV
fsr-3197	16	12	well	well	ADV
fsr-3197	16	13	off	off	ADV
fsr-3197	16	14	in	in	ADP
fsr-3197	16	15	either	either	CCONJ
fsr-3197	16	16	an	an	DET
fsr-3197	16	17	ira	ira	PROPN
fsr-3197	16	18	or	or	CCONJ
fsr-3197	16	19	a	a	DET
fsr-3197	16	20	401(k	401(k	NOUN
fsr-3197	16	21	)	)	PUNCT
fsr-3197	16	22	plan	plan	NOUN
fsr-3197	16	23	.	.	PUNCT
fsr-3197	17	1	in	in	ADP
fsr-3197	17	2	west	west	PROPN
fsr-3197	17	3	,	,	PUNCT
fsr-3197	17	4	de	de	PROPN
fsr-3197	17	5	zwaan	zwaan	PROPN
fsr-3197	17	6	,	,	PUNCT
fsr-3197	17	7	and	and	CCONJ
fsr-3197	17	8	johnson	johnson	PROPN
fsr-3197	17	9	,	,	PUNCT
fsr-3197	17	10	the	the	DET
fsr-3197	17	11	authors	author	NOUN
fsr-3197	17	12	examine	examine	VERB
fsr-3197	17	13	the	the	DET
fsr-3197	17	14	financial	financial	ADJ
fsr-3197	17	15	literacy	literacy	NOUN
fsr-3197	17	16	performance	performance	NOUN
fsr-3197	17	17	of	of	ADP
fsr-3197	17	18	adults	adult	NOUN
fsr-3197	17	19	at	at	ADP
fsr-3197	17	20	an	an	DET
fsr-3197	17	21	australian	australian	ADJ
fsr-3197	17	22	university	university	NOUN
fsr-3197	17	23	and	and	CCONJ
fsr-3197	17	24	find	find	VERB
fsr-3197	17	25	_	_	NOUN
fsr-3197	17	26	_	_	PUNCT
fsr-3197	18	1	_	_	PUNCT
fsr-3197	19	1	_	_	PUNCT
fsr-3197	20	1	_	_	PUNCT
fsr-3197	21	1	_	_	PUNCT
fsr-3197	21	2	.	.	PUNCT
fsr-3197	22	1	there	there	PRON
fsr-3197	22	2	are	be	VERB
fsr-3197	22	3	no	no	DET
fsr-3197	22	4	gender	gender	NOUN
fsr-3197	22	5	differences	difference	NOUN
fsr-3197	22	6	in	in	ADP
fsr-3197	22	7	financial	financial	ADJ
fsr-3197	22	8	literacy	literacy	NOUN
fsr-3197	22	9	performance	performance	NOUN
fsr-3197	22	10	.	.	PUNCT
fsr-3197	23	1	women	woman	NOUN
fsr-3197	23	2	perform	perform	VERB
fsr-3197	23	3	better	well	ADV
fsr-3197	23	4	in	in	ADP
fsr-3197	23	5	tests	test	NOUN
fsr-3197	23	6	of	of	ADP
fsr-3197	23	7	financial	financial	ADJ
fsr-3197	23	8	literacy	literacy	NOUN
fsr-3197	23	9	performance	performance	NOUN
fsr-3197	23	10	than	than	ADP
fsr-3197	23	11	men	man	NOUN
fsr-3197	23	12	.	.	PUNCT
fsr-3197	24	1	more	more	ADJ
fsr-3197	24	2	women	woman	NOUN
fsr-3197	24	3	select	select	VERB
fsr-3197	24	4	the	the	DET
fsr-3197	24	5	non	non	ADJ
fsr-3197	24	6	-	-	ADJ
fsr-3197	24	7	response	response	ADJ
fsr-3197	24	8	option	option	NOUN
fsr-3197	24	9	than	than	ADP
fsr-3197	24	10	men	man	NOUN
fsr-3197	24	11	.	.	PUNCT
fsr-3197	25	1	financial	financial	ADJ
fsr-3197	25	2	literacy	literacy	NOUN
fsr-3197	25	3	performance	performance	NOUN
fsr-3197	25	4	is	be	AUX
fsr-3197	25	5	related	relate	VERB
fsr-3197	25	6	to	to	ADP
fsr-3197	25	7	confidence	confidence	NOUN
fsr-3197	25	8	with	with	ADP
fsr-3197	25	9	money	money	NOUN
fsr-3197	25	10	.	.	PUNCT
fsr-3197	26	1	in	in	ADP
fsr-3197	26	2	mulholland	mulholland	PROPN
fsr-3197	26	3	and	and	CCONJ
fsr-3197	26	4	finke	finke	PROPN
fsr-3197	26	5	,	,	PUNCT
fsr-3197	26	6	which	which	DET
fsr-3197	26	7	stakeholder	stakeholder	NOUN
fsr-3197	26	8	is	be	AUX
fsr-3197	26	9	economically	economically	ADV
fsr-3197	26	10	affected	affect	VERB
fsr-3197	26	11	by	by	ADP
fsr-3197	26	12	life	life	NOUN
fsr-3197	26	13	insurance	insurance	NOUN
fsr-3197	26	14	policy	policy	NOUN
fsr-3197	26	15	lapsation	lapsation	NOUN
fsr-3197	26	16	?	?	PUNCT
fsr-3197	27	1	in	in	ADP
fsr-3197	27	2	mulholland	mulholland	PROPN
fsr-3197	27	3	and	and	CCONJ
fsr-3197	27	4	finke	finke	PROPN
fsr-3197	27	5	,	,	PUNCT
fsr-3197	27	6	all	all	PRON
fsr-3197	27	7	of	of	ADP
fsr-3197	27	8	the	the	DET
fsr-3197	27	9	following	following	NOUN
fsr-3197	27	10	are	be	AUX
fsr-3197	27	11	non	non	ADJ
fsr-3197	27	12	-	-	ADJ
fsr-3197	27	13	mortality	mortality	ADJ
fsr-3197	27	14	background	background	NOUN
fsr-3197	27	15	risks	risk	NOUN
fsr-3197	27	16	that	that	PRON
fsr-3197	27	17	lead	lead	VERB
fsr-3197	27	18	to	to	ADP
fsr-3197	27	19	a	a	DET
fsr-3197	27	20	need	need	NOUN
fsr-3197	27	21	for	for	ADP
fsr-3197	27	22	liquidity	liquidity	NOUN
fsr-3197	27	23	,	,	PUNCT
fsr-3197	27	24	except	except	SCONJ
fsr-3197	27	25	:	:	PUNCT
fsr-3197	27	26	it	it	PRON
fsr-3197	27	27	depends	depend	VERB
fsr-3197	27	28	on	on	ADP
fsr-3197	27	29	the	the	DET
fsr-3197	27	30	plan	plan	NOUN
fsr-3197	27	31	,	,	PUNCT
fsr-3197	27	32	so	so	SCONJ
fsr-3197	27	33	one	one	PRON
fsr-3197	27	34	can	can	AUX
fsr-3197	27	35	not	not	PART
fsr-3197	27	36	generalize	generalize	VERB
fsr-3197	27	37	that	that	SCONJ
fsr-3197	27	38	either	either	CCONJ
fsr-3197	27	39	is	be	AUX
fsr-3197	27	40	better	well	ADJ
fsr-3197	27	41	than	than	ADP
fsr-3197	27	42	the	the	DET
fsr-3197	27	43	other	other	ADJ
fsr-3197	27	44	.	.	PUNCT
fsr-3197	28	1	persons	person	NOUN
fsr-3197	28	2	with	with	ADP
fsr-3197	28	3	low	low	ADJ
fsr-3197	28	4	financial	financial	ADJ
fsr-3197	28	5	literacy	literacy	NOUN
fsr-3197	28	6	are	be	AUX
fsr-3197	28	7	generally	generally	ADV
fsr-3197	28	8	better	well	ADJ
fsr-3197	28	9	off	off	ADP
fsr-3197	28	10	in	in	ADP
fsr-3197	28	11	iras	ira	NOUN
fsr-3197	28	12	.	.	PUNCT
fsr-3197	29	1	c.	c.	NOUN
fsr-3197	29	2	persons	person	NOUN
fsr-3197	29	3	with	with	ADP
fsr-3197	29	4	low	low	ADJ
fsr-3197	29	5	financial	financial	ADJ
fsr-3197	29	6	literacy	literacy	NOUN
fsr-3197	29	7	are	be	AUX
fsr-3197	29	8	generally	generally	ADV
fsr-3197	29	9	better	well	ADJ
fsr-3197	29	10	off	off	ADP
fsr-3197	29	11	in	in	ADP
fsr-3197	29	12	401(k	401(k	NOUN
fsr-3197	29	13	)	)	PUNCT
fsr-3197	29	14	plans	plan	NOUN
fsr-3197	29	15	.	.	PUNCT