id	sid	tid	token	lemma	pos
fsr-3198	1	1	academy	academy	PROPN
fsr-3198	1	2	of	of	ADP
fsr-3198	1	3	financial	financial	ADJ
fsr-3198	1	4	services	service	NOUN
fsr-3198	1	5	officers	officer	NOUN
fsr-3198	1	6	president	president	PROPN
fsr-3198	1	7	lance	lance	PROPN
fsr-3198	1	8	palmer	palmer	PROPN
fsr-3198	1	9	university	university	PROPN
fsr-3198	1	10	of	of	ADP
fsr-3198	1	11	georgia	georgia	PROPN
fsr-3198	1	12	president	president	PROPN
fsr-3198	1	13	-	-	PUNCT
fsr-3198	1	14	elect	elect	PROPN
fsr-3198	1	15	william	william	PROPN
fsr-3198	1	16	chittenden	chittenden	PROPN
fsr-3198	1	17	texas	texas	PROPN
fsr-3198	1	18	state	state	PROPN
fsr-3198	1	19	university	university	PROPN
fsr-3198	1	20	executive	executive	ADJ
fsr-3198	1	21	vice	vice	NOUN
fsr-3198	1	22	president	president	NOUN
fsr-3198	1	23	-	-	PUNCT
fsr-3198	1	24	program	program	NOUN
fsr-3198	1	25	thomas	thomas	PROPN
fsr-3198	1	26	coe	coe	PROPN
fsr-3198	1	27	quinnipiac	quinnipiac	PROPN
fsr-3198	1	28	university	university	PROPN
fsr-3198	1	29	vice	vice	PROPN
fsr-3198	1	30	president	president	NOUN
fsr-3198	1	31	-	-	PUNCT
fsr-3198	1	32	communications	communication	NOUN
fsr-3198	1	33	christine	christine	PROPN
fsr-3198	1	34	mcclatchey	mcclatchey	PROPN
fsr-3198	1	35	university	university	PROPN
fsr-3198	1	36	of	of	ADP
fsr-3198	1	37	northern	northern	PROPN
fsr-3198	1	38	colorado	colorado	PROPN
fsr-3198	1	39	vice	vice	NOUN
fsr-3198	1	40	president	president	NOUN
fsr-3198	1	41	-	-	PUNCT
fsr-3198	1	42	finance	finance	NOUN
fsr-3198	1	43	diane	diane	NOUN
fsr-3198	1	44	docking	dock	VERB
fsr-3198	1	45	northern	northern	PROPN
fsr-3198	1	46	illinois	illinois	PROPN
fsr-3198	1	47	university	university	PROPN
fsr-3198	1	48	thomas	thomas	PROPN
fsr-3198	1	49	langdon	langdon	PROPN
fsr-3198	1	50	roger	roger	PROPN
fsr-3198	1	51	williams	williams	PROPN
fsr-3198	1	52	university	university	PROPN
fsr-3198	1	53	vice	vice	PROPN
fsr-3198	1	54	president	president	PROPN
fsr-3198	1	55	-	-	PUNCT
fsr-3198	1	56	international	international	ADJ
fsr-3198	1	57	relations	relation	NOUN
fsr-3198	1	58	claire	claire	PROPN
fsr-3198	1	59	matthews	matthews	PROPN
fsr-3198	1	60	massey	massey	PROPN
fsr-3198	1	61	university	university	PROPN
fsr-3198	1	62	vice	vice	NOUN
fsr-3198	1	63	president	president	NOUN
fsr-3198	1	64	-	-	PUNCT
fsr-3198	1	65	professional	professional	ADJ
fsr-3198	1	66	organizations	organization	NOUN
fsr-3198	1	67	tom	tom	PROPN
fsr-3198	1	68	warschauer	warschauer	PROPN
fsr-3198	1	69	san	san	PROPN
fsr-3198	1	70	diego	diego	PROPN
fsr-3198	1	71	state	state	PROPN
fsr-3198	1	72	university	university	PROPN
fsr-3198	1	73	vice	vice	NOUN
fsr-3198	1	74	president	president	NOUN
fsr-3198	1	75	-	-	PUNCT
fsr-3198	1	76	mktg	mktg	PROPN
fsr-3198	1	77	&	&	CCONJ
fsr-3198	1	78	public	public	ADJ
fsr-3198	1	79	relations	relation	NOUN
fsr-3198	1	80	a.	a.	PROPN
fsr-3198	1	81	william	william	PROPN
fsr-3198	1	82	gustafson	gustafson	PROPN
fsr-3198	1	83	texas	texas	PROPN
fsr-3198	1	84	tech	tech	PROPN
fsr-3198	1	85	university	university	PROPN
fsr-3198	1	86	vice	vice	NOUN
fsr-3198	1	87	president	president	NOUN
fsr-3198	1	88	-	-	PUNCT
fsr-3198	1	89	membership	membership	NOUN
fsr-3198	1	90	larry	larry	PROPN
fsr-3198	1	91	prather	prather	PROPN
fsr-3198	1	92	southeastern	southeastern	PROPN
fsr-3198	1	93	oklahoma	oklahoma	PROPN
fsr-3198	1	94	state	state	PROPN
fsr-3198	1	95	university	university	PROPN
fsr-3198	1	96	vp	vp	PROPN
fsr-3198	1	97	local	local	ADJ
fsr-3198	1	98	arrangements	arrangement	NOUN
fsr-3198	1	99	2014	2014	NUM
fsr-3198	1	100	duncan	duncan	PROPN
fsr-3198	1	101	williams	williams	PROPN
fsr-3198	1	102	william	william	PROPN
fsr-3198	1	103	patterson	patterson	PROPN
fsr-3198	1	104	university	university	PROPN
fsr-3198	1	105	vp	vp	PROPN
fsr-3198	1	106	local	local	ADJ
fsr-3198	1	107	arrangements	arrangement	NOUN
fsr-3198	1	108	2015	2015	NUM
fsr-3198	1	109	benjamin	benjamin	PROPN
fsr-3198	1	110	cummings	cummings	PROPN
fsr-3198	1	111	saint	saint	PROPN
fsr-3198	1	112	joseph	joseph	PROPN
fsr-3198	1	113	’s	’s	PART
fsr-3198	1	114	university	university	PROPN
fsr-3198	1	115	immediate	immediate	ADJ
fsr-3198	1	116	past	past	PROPN
fsr-3198	1	117	president	president	PROPN
fsr-3198	1	118	frank	frank	PROPN
fsr-3198	1	119	laatsch	laatsch	PROPN
fsr-3198	1	120	univ	univ	PROPN
fsr-3198	1	121	.	.	PROPN
fsr-3198	2	1	of	of	ADP
fsr-3198	2	2	southern	southern	ADJ
fsr-3198	2	3	mississippi	mississippi	PROPN
fsr-3198	2	4	editor	editor	NOUN
fsr-3198	2	5	,	,	PUNCT
fsr-3198	2	6	financial	financial	ADJ
fsr-3198	2	7	services	service	NOUN
fsr-3198	2	8	review	review	VERB
fsr-3198	2	9	stuart	stuart	PROPN
fsr-3198	2	10	michelson	michelson	PROPN
fsr-3198	2	11	stetson	stetson	PROPN
fsr-3198	2	12	university	university	PROPN
fsr-3198	2	13	directors	director	NOUN
fsr-3198	2	14	robert	robert	PROPN
fsr-3198	2	15	moreschi	moreschi	PROPN
fsr-3198	2	16	virginia	virginia	PROPN
fsr-3198	2	17	military	military	PROPN
fsr-3198	2	18	institute	institute	PROPN
fsr-3198	2	19	dale	dale	PROPN
fsr-3198	2	20	domian	domian	PROPN
fsr-3198	2	21	york	york	PROPN
fsr-3198	2	22	university	university	PROPN
fsr-3198	2	23	charles	charles	PROPN
fsr-3198	2	24	chaffin	chaffin	PROPN
fsr-3198	2	25	cfp	cfp	PROPN
fsr-3198	2	26	board	board	PROPN
fsr-3198	2	27	of	of	ADP
fsr-3198	2	28	standards	standard	NOUN
fsr-3198	2	29	rich	rich	ADJ
fsr-3198	2	30	fortin	fortin	PROPN
fsr-3198	2	31	new	new	PROPN
fsr-3198	2	32	mexico	mexico	PROPN
fsr-3198	2	33	state	state	PROPN
fsr-3198	2	34	university	university	PROPN
fsr-3198	2	35	grady	grady	PROPN
fsr-3198	2	36	perdue	perdue	PROPN
fsr-3198	2	37	university	university	PROPN
fsr-3198	2	38	of	of	ADP
fsr-3198	2	39	houston	houston	PROPN
fsr-3198	2	40	clear	clear	PROPN
fsr-3198	2	41	lake	lake	PROPN
fsr-3198	2	42	jacob	jacob	PROPN
fsr-3198	2	43	sybrowsky	sybrowsky	PROPN
fsr-3198	2	44	utah	utah	PROPN
fsr-3198	2	45	valley	valley	PROPN
fsr-3198	2	46	university	university	PROPN
fsr-3198	2	47	past	past	PROPN
fsr-3198	2	48	presidents	president	NOUN
fsr-3198	2	49	frank	frank	PROPN
fsr-3198	2	50	laatsch	laatsch	PROPN
fsr-3198	2	51	,	,	PUNCT
fsr-3198	2	52	2012	2012	NUM
fsr-3198	2	53	-	-	SYM
fsr-3198	2	54	13	13	NUM
fsr-3198	2	55	univ	univ	PROPN
fsr-3198	2	56	.	.	PROPN
fsr-3198	3	1	of	of	ADP
fsr-3198	3	2	southern	southern	PROPN
fsr-3198	3	3	mississippi	mississippi	PROPN
fsr-3198	3	4	brian	brian	PROPN
fsr-3198	3	5	boscaljon	boscaljon	PROPN
fsr-3198	4	1	,	,	PUNCT
fsr-3198	4	2	2011	2011	NUM
fsr-3198	4	3	-	-	SYM
fsr-3198	4	4	12	12	NUM
fsr-3198	4	5	penn	penn	PROPN
fsr-3198	4	6	state	state	PROPN
fsr-3198	4	7	university	university	PROPN
fsr-3198	4	8	-	-	PUNCT
fsr-3198	4	9	erie	erie	PROPN
fsr-3198	4	10	halil	halil	PROPN
fsr-3198	4	11	kiymaz	kiymaz	PROPN
fsr-3198	4	12	,	,	PUNCT
fsr-3198	4	13	2010	2010	NUM
fsr-3198	4	14	-	-	SYM
fsr-3198	4	15	11	11	NUM
fsr-3198	4	16	rollins	rollin	NOUN
fsr-3198	4	17	college	college	PROPN
fsr-3198	4	18	of	of	ADP
fsr-3198	4	19	business	business	PROPN
fsr-3198	4	20	david	david	PROPN
fsr-3198	4	21	lange	lange	PROPN
fsr-3198	4	22	,	,	PUNCT
fsr-3198	4	23	2009	2009	NUM
fsr-3198	4	24	-	-	SYM
fsr-3198	4	25	10	10	NUM
fsr-3198	4	26	auburn	auburn	NOUN
fsr-3198	4	27	university	university	PROPN
fsr-3198	4	28	,	,	PUNCT
fsr-3198	4	29	montgomery	montgomery	PROPN
fsr-3198	4	30	vickie	vickie	PROPN
fsr-3198	4	31	hampton	hampton	PROPN
fsr-3198	4	32	,	,	PUNCT
fsr-3198	4	33	2008	2008	NUM
fsr-3198	4	34	-	-	SYM
fsr-3198	4	35	09	09	NUM
fsr-3198	4	36	texas	texas	PROPN
fsr-3198	4	37	tech	tech	PROPN
fsr-3198	4	38	university	university	PROPN
fsr-3198	4	39	frank	frank	PROPN
fsr-3198	4	40	laatsch	laatsch	PROPN
fsr-3198	4	41	2007	2007	NUM
fsr-3198	4	42	-	-	SYM
fsr-3198	4	43	08	08	NUM
fsr-3198	4	44	university	university	PROPN
fsr-3198	4	45	of	of	ADP
fsr-3198	4	46	southern	southern	PROPN
fsr-3198	4	47	mississippi	mississippi	PROPN
fsr-3198	4	48	daniel	daniel	PROPN
fsr-3198	4	49	walz	walz	PROPN
fsr-3198	4	50	,	,	PUNCT
fsr-3198	4	51	2006	2006	NUM
fsr-3198	4	52	-	-	SYM
fsr-3198	4	53	07	07	NUM
fsr-3198	4	54	trinity	trinity	NOUN
fsr-3198	4	55	university	university	PROPN
fsr-3198	4	56	anne	anne	PROPN
fsr-3198	4	57	gleason	gleason	PROPN
fsr-3198	4	58	,	,	PUNCT
fsr-3198	4	59	2005	2005	NUM
fsr-3198	4	60	-	-	SYM
fsr-3198	4	61	06	06	NUM
fsr-3198	4	62	college	college	PROPN
fsr-3198	4	63	of	of	ADP
fsr-3198	4	64	charleston	charleston	PROPN
fsr-3198	4	65	stuart	stuart	PROPN
fsr-3198	4	66	michelson	michelson	PROPN
fsr-3198	4	67	,	,	PUNCT
fsr-3198	4	68	2004	2004	NUM
fsr-3198	4	69	-	-	SYM
fsr-3198	4	70	05	05	NUM
fsr-3198	4	71	stetson	stetson	PROPN
fsr-3198	4	72	university	university	PROPN
fsr-3198	4	73	grady	grady	PROPN
fsr-3198	4	74	perdue	perdue	PROPN
fsr-3198	4	75	,	,	PUNCT
fsr-3198	4	76	2003	2003	NUM
fsr-3198	4	77	-	-	SYM
fsr-3198	4	78	04	04	NUM
fsr-3198	4	79	university	university	PROPN
fsr-3198	4	80	of	of	ADP
fsr-3198	4	81	houston	houston	PROPN
fsr-3198	4	82	-	-	PUNCT
fsr-3198	4	83	clear	clear	PROPN
fsr-3198	4	84	lake	lake	PROPN
fsr-3198	4	85	vickie	vickie	PROPN
fsr-3198	4	86	bajtelsmit	bajtelsmit	NOUN
fsr-3198	4	87	,	,	PUNCT
fsr-3198	4	88	2002	2002	NUM
fsr-3198	4	89	-	-	SYM
fsr-3198	4	90	03	03	NUM
fsr-3198	4	91	colorado	colorado	PROPN
fsr-3198	4	92	state	state	PROPN
fsr-3198	4	93	university	university	PROPN
fsr-3198	4	94	karen	karen	PROPN
fsr-3198	4	95	eilers	eilers	PROPN
fsr-3198	4	96	lahey	lahey	PROPN
fsr-3198	4	97	,	,	PUNCT
fsr-3198	4	98	2001	2001	NUM
fsr-3198	4	99	-	-	SYM
fsr-3198	4	100	02	02	NUM
fsr-3198	4	101	university	university	PROPN
fsr-3198	4	102	of	of	ADP
fsr-3198	4	103	akron	akron	PROPN
fsr-3198	4	104	tom	tom	PROPN
fsr-3198	4	105	eyssell	eyssell	PROPN
fsr-3198	4	106	,	,	PUNCT
fsr-3198	4	107	2000	2000	NUM
fsr-3198	4	108	-	-	SYM
fsr-3198	4	109	01	01	NUM
fsr-3198	4	110	university	university	PROPN
fsr-3198	4	111	of	of	ADP
fsr-3198	4	112	missouri	missouri	PROPN
fsr-3198	4	113	-	-	PROPN
fsr-3198	4	114	st	st	PROPN
fsr-3198	4	115	.	.	PROPN
fsr-3198	4	116	louis	louis	PROPN
fsr-3198	4	117	jill	jill	PROPN
fsr-3198	4	118	lynn	lynn	PROPN
fsr-3198	4	119	vihtelic	vihtelic	PROPN
fsr-3198	4	120	,	,	PUNCT
fsr-3198	4	121	1999	1999	NUM
fsr-3198	4	122	-	-	SYM
fsr-3198	4	123	00	00	NUM
fsr-3198	4	124	saint	saint	PROPN
fsr-3198	4	125	mary	mary	PROPN
fsr-3198	4	126	’s	’s	PART
fsr-3198	4	127	college	college	PROPN
fsr-3198	4	128	terry	terry	PROPN
fsr-3198	4	129	zivney	zivney	PROPN
fsr-3198	4	130	,	,	PUNCT
fsr-3198	4	131	1998	1998	NUM
fsr-3198	4	132	-	-	SYM
fsr-3198	4	133	99	99	NUM
fsr-3198	4	134	ball	ball	NOUN
fsr-3198	4	135	state	state	NOUN
fsr-3198	4	136	university	university	PROPN
fsr-3198	4	137	don	don	PROPN
fsr-3198	4	138	holdren	holdren	NOUN
fsr-3198	4	139	,	,	PUNCT
fsr-3198	4	140	1997	1997	NUM
fsr-3198	4	141	-	-	SYM
fsr-3198	4	142	98	98	NUM
fsr-3198	4	143	marshall	marshall	PROPN
fsr-3198	4	144	university	university	PROPN
fsr-3198	4	145	robert	robert	PROPN
fsr-3198	4	146	mcleod	mcleod	PROPN
fsr-3198	4	147	,	,	PUNCT
fsr-3198	4	148	1996	1996	NUM
fsr-3198	4	149	-	-	SYM
fsr-3198	4	150	97	97	NUM
fsr-3198	4	151	university	university	PROPN
fsr-3198	4	152	of	of	ADP
fsr-3198	4	153	alabama	alabama	PROPN
fsr-3198	4	154	walt	walt	PROPN
fsr-3198	4	155	woerheide	woerheide	PROPN
fsr-3198	4	156	,	,	PUNCT
fsr-3198	4	157	1995	1995	NUM
fsr-3198	4	158	-	-	SYM
fsr-3198	4	159	96	96	NUM
fsr-3198	4	160	the	the	DET
fsr-3198	4	161	american	american	PROPN
fsr-3198	4	162	college	college	PROPN
fsr-3198	4	163	dixie	dixie	PROPN
fsr-3198	4	164	mills	mill	NOUN
fsr-3198	4	165	,	,	PUNCT
fsr-3198	4	166	1994	1994	NUM
fsr-3198	4	167	-95	-95	SYM
fsr-3198	4	168	illinois	illinois	PROPN
fsr-3198	4	169	state	state	PROPN
fsr-3198	4	170	university	university	PROPN
fsr-3198	4	171	ted	te	VERB
fsr-3198	4	172	veit	veit	PROPN
fsr-3198	4	173	,	,	PUNCT
fsr-3198	4	174	1993	1993	NUM
fsr-3198	4	175	-	-	SYM
fsr-3198	4	176	94	94	NUM
fsr-3198	4	177	rollins	rollins	PROPN
fsr-3198	4	178	college	college	PROPN
fsr-3198	4	179	mona	mona	PROPN
fsr-3198	4	180	gardner	gardner	PROPN
fsr-3198	4	181	,	,	PUNCT
fsr-3198	4	182	1992	1992	NUM
fsr-3198	4	183	-	-	SYM
fsr-3198	4	184	93	93	NUM
fsr-3198	4	185	illinois	illinois	PROPN
fsr-3198	4	186	wesleyan	wesleyan	PROPN
fsr-3198	4	187	university	university	PROPN
fsr-3198	4	188	jean	jean	PROPN
fsr-3198	4	189	l.	l.	PROPN
fsr-3198	4	190	heck	heck	PROPN
fsr-3198	4	191	,	,	PUNCT
fsr-3198	4	192	1991	1991	NUM
fsr-3198	4	193	-	-	SYM
fsr-3198	4	194	92	92	NUM
fsr-3198	4	195	villanova	villanova	PROPN
fsr-3198	4	196	university	university	PROPN
fsr-3198	4	197	frank	frank	PROPN
fsr-3198	4	198	k.	k.	PROPN
fsr-3198	4	199	reilly	reilly	PROPN
fsr-3198	4	200	,	,	PUNCT
fsr-3198	4	201	1990	1990	NUM
fsr-3198	4	202	-	-	SYM
fsr-3198	4	203	91	91	NUM
fsr-3198	4	204	university	university	NOUN
fsr-3198	4	205	of	of	ADP
fsr-3198	4	206	notre	notre	PROPN
fsr-3198	4	207	dame	dame	PROPN
fsr-3198	4	208	lawrence	lawrence	PROPN
fsr-3198	4	209	j.	j.	PROPN
fsr-3198	4	210	gitman	gitman	PROPN
fsr-3198	4	211	,	,	PUNCT
fsr-3198	4	212	1989	1989	NUM
fsr-3198	4	213	-	-	SYM
fsr-3198	4	214	90	90	NUM
fsr-3198	4	215	san	san	PROPN
fsr-3198	4	216	diego	diego	PROPN
fsr-3198	4	217	state	state	PROPN
fsr-3198	4	218	university	university	PROPN
fsr-3198	4	219	travis	travis	PROPN
fsr-3198	4	220	s.	s.	PROPN
fsr-3198	4	221	pritchett	pritchett	PROPN
fsr-3198	4	222	,	,	PUNCT
fsr-3198	4	223	1988	1988	NUM
fsr-3198	4	224	-	-	SYM
fsr-3198	4	225	89	89	NUM
fsr-3198	4	226	university	university	NOUN
fsr-3198	4	227	of	of	ADP
fsr-3198	4	228	south	south	PROPN
fsr-3198	4	229	carolina	carolina	PROPN
fsr-3198	4	230	tom	tom	PROPN
fsr-3198	4	231	potts	potts	PROPN
fsr-3198	4	232	,	,	PUNCT
fsr-3198	4	233	1987	1987	NUM
fsr-3198	4	234	-	-	SYM
fsr-3198	4	235	88	88	NUM
fsr-3198	4	236	baylor	baylor	NOUN
fsr-3198	4	237	university	university	PROPN
fsr-3198	4	238	robert	robert	PROPN
fsr-3198	4	239	f.	f.	PROPN
fsr-3198	4	240	bohn	bohn	PROPN
fsr-3198	4	241	,	,	PUNCT
fsr-3198	4	242	1986	1986	NUM
fsr-3198	4	243	-	-	SYM
fsr-3198	4	244	87	87	NUM
fsr-3198	4	245	golden	golden	PROPN
fsr-3198	4	246	gate	gate	PROPN
fsr-3198	4	247	university	university	PROPN
fsr-3198	4	248	tom	tom	PROPN
fsr-3198	4	249	warschauer	warschauer	PROPN
fsr-3198	4	250	,	,	PUNCT
fsr-3198	4	251	1985	1985	NUM
fsr-3198	4	252	-	-	SYM
fsr-3198	4	253	86	86	NUM
fsr-3198	4	254	san	san	PROPN
fsr-3198	4	255	diego	diego	PROPN
fsr-3198	4	256	state	state	PROPN
fsr-3198	4	257	university	university	PROPN
fsr-3198	4	258	published	publish	VERB
fsr-3198	4	259	in	in	ADP
fsr-3198	4	260	collaboration	collaboration	NOUN
fsr-3198	4	261	with	with	ADP
fsr-3198	4	262	the	the	DET
fsr-3198	4	263	financial	financial	ADJ
fsr-3198	4	264	planning	planning	PROPN
fsr-3198	4	265	association	association	PROPN
fsr-3198	4	266	financial	financial	PROPN
fsr-3198	4	267	services	service	NOUN
fsr-3198	4	268	review	review	NOUN
fsr-3198	4	269	is	be	AUX
fsr-3198	4	270	the	the	DET
fsr-3198	4	271	journal	journal	NOUN
fsr-3198	4	272	of	of	ADP
fsr-3198	4	273	the	the	DET
fsr-3198	4	274	academy	academy	NOUN
fsr-3198	4	275	of	of	ADP
fsr-3198	4	276	financial	financial	ADJ
fsr-3198	4	277	services	service	NOUN
fsr-3198	4	278	,	,	PUNCT
fsr-3198	4	279	published	publish	VERB
fsr-3198	4	280	in	in	ADP
fsr-3198	4	281	collaboration	collaboration	NOUN
fsr-3198	4	282	with	with	ADP
fsr-3198	4	283	the	the	DET
fsr-3198	4	284	financial	financial	ADJ
fsr-3198	4	285	planning	planning	PROPN
fsr-3198	4	286	association	association	PROPN
fsr-3198	4	287	.	.	PUNCT
fsr-3198	5	1	membership	membership	NOUN
fsr-3198	5	2	dues	due	NOUN
fsr-3198	5	3	of	of	ADP
fsr-3198	5	4	$	$	SYM
fsr-3198	5	5	75	75	NUM
fsr-3198	5	6	to	to	ADP
fsr-3198	5	7	the	the	DET
fsr-3198	5	8	academy	academy	NOUN
fsr-3198	5	9	include	include	VERB
fsr-3198	5	10	a	a	DET
fsr-3198	5	11	one	one	NUM
fsr-3198	5	12	-	-	PUNCT
fsr-3198	5	13	year	year	NOUN
fsr-3198	5	14	subscription	subscription	NOUN
fsr-3198	5	15	to	to	ADP
fsr-3198	5	16	the	the	DET
fsr-3198	5	17	journal	journal	NOUN
fsr-3198	5	18	.	.	PUNCT
fsr-3198	6	1	financial	financial	ADJ
fsr-3198	6	2	planning	planning	PROPN
fsr-3198	6	3	association	association	NOUN
fsr-3198	6	4	members	member	NOUN
fsr-3198	6	5	receive	receive	VERB
fsr-3198	6	6	digital	digital	ADJ
fsr-3198	6	7	access	access	NOUN
fsr-3198	6	8	to	to	ADP
fsr-3198	6	9	the	the	DET
fsr-3198	6	10	current	current	ADJ
fsr-3198	6	11	volume	volume	NOUN
fsr-3198	6	12	/	/	SYM
fsr-3198	6	13	issue	issue	NOUN
fsr-3198	6	14	of	of	ADP
fsr-3198	6	15	the	the	DET
fsr-3198	6	16	journal	journal	NOUN
fsr-3198	6	17	.	.	PUNCT
fsr-3198	7	1	membership	membership	NOUN
fsr-3198	7	2	forms	form	NOUN
fsr-3198	7	3	can	can	AUX
fsr-3198	7	4	be	be	AUX
fsr-3198	7	5	downloaded	download	VERB
fsr-3198	7	6	from	from	ADP
fsr-3198	7	7	the	the	DET
fsr-3198	7	8	journal	journal	NOUN
fsr-3198	7	9	website	website	NOUN
fsr-3198	7	10	at	at	ADP
fsr-3198	7	11	http://www.academyfinancial.org	http://www.academyfinancial.org	PROPN
fsr-3198	7	12	.	.	PUNCT
fsr-3198	8	1	or	or	CCONJ
fsr-3198	8	2	for	for	ADP
fsr-3198	8	3	membership	membership	NOUN
fsr-3198	8	4	,	,	PUNCT
fsr-3198	8	5	subscription	subscription	NOUN
fsr-3198	8	6	,	,	PUNCT
fsr-3198	8	7	and	and	CCONJ
fsr-3198	8	8	address	address	NOUN
fsr-3198	8	9	change	change	NOUN
fsr-3198	8	10	notification	notification	NOUN
fsr-3198	8	11	,	,	PUNCT
fsr-3198	8	12	please	please	INTJ
fsr-3198	8	13	contact	contact	VERB
fsr-3198	8	14	stuart	stuart	PROPN
fsr-3198	8	15	michelson	michelson	PROPN
fsr-3198	8	16	,	,	PUNCT
fsr-3198	8	17	school	school	NOUN
fsr-3198	8	18	of	of	ADP
fsr-3198	8	19	business	business	NOUN
fsr-3198	8	20	,	,	PUNCT
fsr-3198	8	21	stetson	stetson	NOUN
fsr-3198	8	22	university	university	NOUN
fsr-3198	8	23	,	,	PUNCT
fsr-3198	8	24	421	421	NUM
fsr-3198	8	25	n.	n.	PROPN
fsr-3198	8	26	woodland	woodland	NOUN
fsr-3198	8	27	blvd	blvd	PROPN
fsr-3198	8	28	.	.	PUNCT
fsr-3198	8	29	,	,	PUNCT
fsr-3198	8	30	unit	unit	NOUN
fsr-3198	8	31	8398	8398	NUM
fsr-3198	8	32	,	,	PUNCT
fsr-3198	8	33	deland	deland	PROPN
fsr-3198	8	34	,	,	PUNCT
fsr-3198	8	35	fl	fl	PROPN
fsr-3198	8	36	32723	32723	NUM
fsr-3198	8	37	.	.	PUNCT
fsr-3198	9	1	email	email	NOUN
fsr-3198	9	2	:	:	PUNCT
fsr-3198	9	3	smichels@stetson.edu	smichels@stetson.edu	X
fsr-3198	9	4	.	.	PUNCT
fsr-3198	9	5	editorial	editorial	NOUN
fsr-3198	9	6	:	:	PUNCT
fsr-3198	9	7	authors	author	NOUN
fsr-3198	9	8	should	should	AUX
fsr-3198	9	9	submit	submit	VERB
fsr-3198	9	10	their	their	PRON
fsr-3198	9	11	papers	paper	NOUN
fsr-3198	9	12	electronically	electronically	ADV
fsr-3198	9	13	(	(	PUNCT
fsr-3198	9	14	word	word	NOUN
fsr-3198	9	15	format	format	NOUN
fsr-3198	9	16	,	,	PUNCT
fsr-3198	9	17	no	no	DET
fsr-3198	9	18	pdfs	pdfs	NOUN
fsr-3198	9	19	please	please	INTJ
fsr-3198	9	20	)	)	PUNCT
fsr-3198	9	21	as	as	ADP
fsr-3198	9	22	an	an	DET
fsr-3198	9	23	e	e	NOUN
fsr-3198	9	24	-	-	NOUN
fsr-3198	9	25	mail	mail	NOUN
fsr-3198	9	26	attachment	attachment	NOUN
fsr-3198	9	27	to	to	ADP
fsr-3198	9	28	the	the	DET
fsr-3198	9	29	editor	editor	NOUN
fsr-3198	9	30	at	at	ADP
fsr-3198	9	31	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3198	9	32	.	.	PUNCT
fsr-3198	10	1	afs	afs	PROPN
fsr-3198	10	2	member	member	NOUN
fsr-3198	10	3	submission	submission	NOUN
fsr-3198	10	4	fees	fee	NOUN
fsr-3198	10	5	are	be	AUX
fsr-3198	10	6	$	$	SYM
fsr-3198	10	7	50	50	NUM
fsr-3198	10	8	.	.	PUNCT
fsr-3198	11	1	the	the	DET
fsr-3198	11	2	afs	afs	PROPN
fsr-3198	11	3	non	non	ADJ
fsr-3198	11	4	-	-	NOUN
fsr-3198	11	5	member	member	ADJ
fsr-3198	11	6	submission	submission	NOUN
fsr-3198	11	7	fee	fee	NOUN
fsr-3198	11	8	is	be	AUX
fsr-3198	11	9	$	$	SYM
fsr-3198	11	10	125	125	NUM
fsr-3198	11	11	,	,	PUNCT
fsr-3198	11	12	which	which	PRON
fsr-3198	11	13	includes	include	VERB
fsr-3198	11	14	a	a	DET
fsr-3198	11	15	one	one	NUM
fsr-3198	11	16	year	year	NOUN
fsr-3198	11	17	membership	membership	NOUN
fsr-3198	11	18	to	to	ADP
fsr-3198	11	19	afs	afs	PROPN
fsr-3198	11	20	.	.	PUNCT
fsr-3198	12	1	concurrent	concurrent	ADJ
fsr-3198	12	2	with	with	ADP
fsr-3198	12	3	the	the	DET
fsr-3198	12	4	submission	submission	NOUN
fsr-3198	12	5	,	,	PUNCT
fsr-3198	12	6	please	please	INTJ
fsr-3198	12	7	pay	pay	VERB
fsr-3198	12	8	online	online	ADV
fsr-3198	12	9	or	or	CCONJ
fsr-3198	12	10	mail	mail	VERB
fsr-3198	12	11	a	a	DET
fsr-3198	12	12	check	check	NOUN
fsr-3198	12	13	(	(	PUNCT
fsr-3198	12	14	for	for	ADP
fsr-3198	12	15	us	us	PROPN
fsr-3198	12	16	funds	fund	NOUN
fsr-3198	12	17	)	)	PUNCT
fsr-3198	12	18	payable	payable	ADJ
fsr-3198	12	19	to	to	ADP
fsr-3198	12	20	afs	afs	NOUN
fsr-3198	12	21	to	to	ADP
fsr-3198	12	22	stuart	stuart	PROPN
fsr-3198	12	23	michelson	michelson	PROPN
fsr-3198	12	24	at	at	ADP
fsr-3198	12	25	the	the	DET
fsr-3198	12	26	address	address	NOUN
fsr-3198	12	27	above	above	ADV
fsr-3198	12	28	.	.	PUNCT
fsr-3198	13	1	should	should	AUX
fsr-3198	13	2	a	a	DET
fsr-3198	13	3	manuscript	manuscript	NOUN
fsr-3198	13	4	revision	revision	NOUN
fsr-3198	13	5	be	be	AUX
fsr-3198	13	6	invited	invite	VERB
fsr-3198	13	7	,	,	PUNCT
fsr-3198	13	8	no	no	DET
fsr-3198	13	9	additional	additional	ADJ
fsr-3198	13	10	fees	fee	NOUN
fsr-3198	13	11	will	will	AUX
fsr-3198	13	12	be	be	AUX
fsr-3198	13	13	required	require	VERB
fsr-3198	13	14	.	.	PUNCT
fsr-3198	14	1	style	style	NOUN
fsr-3198	14	2	information	information	NOUN
fsr-3198	14	3	for	for	ADP
fsr-3198	14	4	manuscripts	manuscript	NOUN
fsr-3198	14	5	is	be	AUX
fsr-3198	14	6	on	on	ADP
fsr-3198	14	7	the	the	DET
fsr-3198	14	8	inside	inside	ADJ
fsr-3198	14	9	back	back	ADJ
fsr-3198	14	10	cover	cover	NOUN
fsr-3198	14	11	of	of	ADP
fsr-3198	14	12	this	this	DET
fsr-3198	14	13	journal	journal	NOUN
fsr-3198	14	14	.	.	PUNCT
fsr-3198	15	1	copyright	copyright	NOUN
fsr-3198	15	2	©	©	PROPN
fsr-3198	15	3	2014	2014	NUM
fsr-3198	15	4	academy	academy	NOUN
fsr-3198	15	5	of	of	ADP
fsr-3198	15	6	financial	financial	ADJ
fsr-3198	15	7	services	service	NOUN
fsr-3198	15	8	.	.	PUNCT
fsr-3198	16	1	all	all	DET
fsr-3198	16	2	rights	right	NOUN
fsr-3198	16	3	of	of	ADP
fsr-3198	16	4	reproduction	reproduction	NOUN
fsr-3198	16	5	in	in	ADP
fsr-3198	16	6	any	any	DET
fsr-3198	16	7	form	form	NOUN
fsr-3198	16	8	reserved	reserve	VERB
fsr-3198	16	9	.	.	PUNCT
fsr-3198	17	1	financial	financial	ADJ
fsr-3198	17	2	services	service	NOUN
fsr-3198	17	3	review	review	VERB
fsr-3198	17	4	the	the	DET
fsr-3198	17	5	journal	journal	NOUN
fsr-3198	17	6	of	of	ADP
fsr-3198	17	7	individual	individual	ADJ
fsr-3198	17	8	financial	financial	ADJ
fsr-3198	17	9	management	management	NOUN
fsr-3198	17	10	vol	vol	NOUN
fsr-3198	17	11	.	.	PROPN
fsr-3198	18	1	23	23	NUM
fsr-3198	18	2	,	,	PUNCT
fsr-3198	18	3	no	no	INTJ
fsr-3198	18	4	.	.	NOUN
fsr-3198	18	5	3	3	NUM
fsr-3198	18	6	,	,	PUNCT
fsr-3198	18	7	2014	2014	NUM
fsr-3198	18	8	editor	editor	NOUN
fsr-3198	18	9	stuart	stuart	PROPN
fsr-3198	18	10	michelson	michelson	PROPN
fsr-3198	18	11	,	,	PUNCT
fsr-3198	18	12	stetson	stetson	PROPN
fsr-3198	18	13	university	university	PROPN
fsr-3198	18	14	associate	associate	NOUN
fsr-3198	18	15	editors	editor	NOUN
fsr-3198	18	16	benefits	benefit	NOUN
fsr-3198	18	17	and	and	CCONJ
fsr-3198	18	18	retirement	retirement	NOUN
fsr-3198	18	19	planning	planning	NOUN
fsr-3198	18	20	vickie	vickie	PROPN
fsr-3198	18	21	bajtelsmit	bajtelsmit	PROPN
fsr-3198	18	22	colorado	colorado	PROPN
fsr-3198	18	23	state	state	PROPN
fsr-3198	18	24	university	university	PROPN
fsr-3198	18	25	stephen	stephen	PROPN
fsr-3198	18	26	m.	m.	PROPN
fsr-3198	18	27	horan	horan	PROPN
fsr-3198	18	28	cfa	cfa	PROPN
fsr-3198	18	29	institute	institute	PROPN
fsr-3198	18	30	walter	walter	PROPN
fsr-3198	18	31	woerheide	woerheide	VERB
fsr-3198	18	32	the	the	DET
fsr-3198	18	33	american	american	PROPN
fsr-3198	18	34	college	college	PROPN
fsr-3198	18	35	estate	estate	PROPN
fsr-3198	18	36	planning	planning	NOUN
fsr-3198	18	37	ning	ning	PROPN
fsr-3198	18	38	tang	tang	PROPN
fsr-3198	18	39	san	san	PROPN
fsr-3198	18	40	diego	diego	PROPN
fsr-3198	18	41	state	state	PROPN
fsr-3198	18	42	university	university	PROPN
fsr-3198	18	43	investments	investment	NOUN
fsr-3198	18	44	robert	robert	PROPN
fsr-3198	18	45	brooks	brooks	PROPN
fsr-3198	18	46	university	university	PROPN
fsr-3198	18	47	of	of	ADP
fsr-3198	18	48	alabama	alabama	PROPN
fsr-3198	18	49	dale	dale	PROPN
fsr-3198	18	50	domian	domian	PROPN
fsr-3198	18	51	york	york	PROPN
fsr-3198	18	52	university	university	PROPN
fsr-3198	18	53	jim	jim	PROPN
fsr-3198	18	54	gilkeson	gilkeson	PROPN
fsr-3198	18	55	university	university	PROPN
fsr-3198	18	56	of	of	ADP
fsr-3198	18	57	central	central	PROPN
fsr-3198	18	58	florida	florida	PROPN
fsr-3198	18	59	jason	jason	PROPN
fsr-3198	18	60	greene	greene	PROPN
fsr-3198	18	61	georgia	georgia	PROPN
fsr-3198	18	62	state	state	PROPN
fsr-3198	18	63	university	university	PROPN
fsr-3198	18	64	william	william	PROPN
fsr-3198	18	65	jennings	jennings	PROPN
fsr-3198	18	66	united	united	PROPN
fsr-3198	18	67	states	states	PROPN
fsr-3198	18	68	air	air	PROPN
fsr-3198	18	69	force	force	PROPN
fsr-3198	18	70	academy	academy	PROPN
fsr-3198	18	71	larry	larry	PROPN
fsr-3198	18	72	prather	prather	PROPN
fsr-3198	18	73	southeastern	southeastern	PROPN
fsr-3198	18	74	oklahoma	oklahoma	PROPN
fsr-3198	18	75	state	state	PROPN
fsr-3198	18	76	university	university	PROPN
fsr-3198	18	77	insurance	insurance	NOUN
fsr-3198	18	78	larry	larry	PROPN
fsr-3198	18	79	cox	cox	PROPN
fsr-3198	18	80	university	university	PROPN
fsr-3198	18	81	of	of	ADP
fsr-3198	18	82	mississippi	mississippi	PROPN
fsr-3198	18	83	david	david	PROPN
fsr-3198	18	84	lange	lange	PROPN
fsr-3198	18	85	auburn	auburn	PROPN
fsr-3198	18	86	university	university	PROPN
fsr-3198	18	87	financial	financial	ADJ
fsr-3198	18	88	institutions	institution	NOUN
fsr-3198	18	89	stanley	stanley	PROPN
fsr-3198	18	90	d.	d.	PROPN
fsr-3198	18	91	smith	smith	PROPN
fsr-3198	18	92	university	university	PROPN
fsr-3198	18	93	of	of	ADP
fsr-3198	18	94	central	central	PROPN
fsr-3198	18	95	florida	florida	PROPN
fsr-3198	18	96	investor	investor	NOUN
fsr-3198	18	97	psychology	psychology	NOUN
fsr-3198	18	98	and	and	CCONJ
fsr-3198	18	99	counseling	counsel	VERB
fsr-3198	18	100	john	john	PROPN
fsr-3198	18	101	nofsinger	nofsinger	PROPN
fsr-3198	18	102	washington	washington	PROPN
fsr-3198	18	103	state	state	PROPN
fsr-3198	18	104	university	university	PROPN
fsr-3198	18	105	meir	meir	PROPN
fsr-3198	18	106	statman	statman	PROPN
fsr-3198	18	107	santa	santa	PROPN
fsr-3198	18	108	clara	clara	PROPN
fsr-3198	18	109	university	university	PROPN
fsr-3198	18	110	real	real	ADJ
fsr-3198	18	111	estate	estate	NOUN
fsr-3198	18	112	international	international	ADJ
fsr-3198	18	113	bill	bill	PROPN
fsr-3198	18	114	blair	blair	PROPN
fsr-3198	18	115	macquarie	macquarie	PROPN
fsr-3198	18	116	university	university	PROPN
fsr-3198	18	117	s.	s.	PROPN
fsr-3198	18	118	j.	j.	PROPN
fsr-3198	18	119	chang	chang	PROPN
fsr-3198	18	120	illinois	illinois	PROPN
fsr-3198	18	121	state	state	PROPN
fsr-3198	18	122	university	university	PROPN
fsr-3198	18	123	lawrence	lawrence	PROPN
fsr-3198	18	124	rose	rise	VERB
fsr-3198	18	125	massey	massey	PROPN
fsr-3198	18	126	university	university	PROPN
fsr-3198	18	127	sharon	sharon	PROPN
fsr-3198	18	128	taylor	taylor	PROPN
fsr-3198	18	129	university	university	PROPN
fsr-3198	18	130	of	of	ADP
fsr-3198	18	131	western	western	PROPN
fsr-3198	18	132	sydney	sydney	PROPN
fsr-3198	18	133	education	education	PROPN
fsr-3198	19	1	jean	jean	PROPN
fsr-3198	19	2	louis	louis	PROPN
fsr-3198	19	3	heck	heck	PROPN
fsr-3198	19	4	saint	saint	PROPN
fsr-3198	19	5	joseph	joseph	PROPN
fsr-3198	19	6	’s	’s	PART
fsr-3198	19	7	university	university	PROPN
fsr-3198	19	8	financial	financial	ADJ
fsr-3198	19	9	planning	planning	NOUN
fsr-3198	19	10	profession	profession	NOUN
fsr-3198	19	11	tom	tom	PROPN
fsr-3198	19	12	warschauer	warschauer	PROPN
fsr-3198	19	13	san	san	PROPN
fsr-3198	19	14	diego	diego	PROPN
fsr-3198	19	15	state	state	PROPN
fsr-3198	19	16	university	university	PROPN
fsr-3198	19	17	co	co	VERB
fsr-3198	19	18	-	-	VERB
fsr-3198	19	19	published	publish	VERB
fsr-3198	19	20	by	by	ADP
fsr-3198	19	21	the	the	DET
fsr-3198	19	22	academy	academy	NOUN
fsr-3198	19	23	of	of	ADP
fsr-3198	19	24	financial	financial	ADJ
fsr-3198	19	25	services	service	NOUN
fsr-3198	19	26	and	and	CCONJ
fsr-3198	19	27	the	the	DET
fsr-3198	19	28	financial	financial	ADJ
fsr-3198	19	29	planning	planning	NOUN
fsr-3198	19	30	association	association	PROPN
fsr-3198	19	31	the	the	DET
fsr-3198	19	32	editor	editor	NOUN
fsr-3198	19	33	of	of	ADP
fsr-3198	19	34	financial	financial	ADJ
fsr-3198	19	35	services	service	NOUN
fsr-3198	19	36	review	review	VERB
fsr-3198	19	37	wishes	wish	VERB
fsr-3198	19	38	to	to	PART
fsr-3198	19	39	thank	thank	VERB
fsr-3198	19	40	the	the	DET
fsr-3198	19	41	stetson	stetson	NOUN
fsr-3198	19	42	university	university	NOUN
fsr-3198	19	43	,	,	PUNCT
fsr-3198	19	44	school	school	NOUN
fsr-3198	19	45	of	of	ADP
fsr-3198	19	46	business	business	NOUN
fsr-3198	19	47	,	,	PUNCT
fsr-3198	19	48	for	for	ADP
fsr-3198	19	49	its	its	PRON
fsr-3198	19	50	continuing	continue	VERB
fsr-3198	19	51	financial	financial	ADJ
fsr-3198	19	52	and	and	CCONJ
fsr-3198	19	53	intellectual	intellectual	ADJ
fsr-3198	19	54	support	support	NOUN
fsr-3198	19	55	of	of	ADP
fsr-3198	19	56	the	the	DET
fsr-3198	19	57	journal	journal	NOUN
fsr-3198	19	58	.	.	PUNCT
fsr-3198	20	1	aims	aim	NOUN
fsr-3198	20	2	and	and	CCONJ
fsr-3198	20	3	scope	scope	NOUN
fsr-3198	20	4	:	:	PUNCT
fsr-3198	20	5	financial	financial	ADJ
fsr-3198	20	6	services	service	NOUN
fsr-3198	20	7	review	review	NOUN
fsr-3198	20	8	is	be	AUX
fsr-3198	20	9	the	the	DET
fsr-3198	20	10	official	official	ADJ
fsr-3198	20	11	publication	publication	NOUN
fsr-3198	20	12	of	of	ADP
fsr-3198	20	13	the	the	DET
fsr-3198	20	14	academy	academy	NOUN
fsr-3198	20	15	of	of	ADP
fsr-3198	20	16	financial	financial	ADJ
fsr-3198	20	17	services	service	NOUN
fsr-3198	20	18	.	.	PUNCT
fsr-3198	21	1	the	the	DET
fsr-3198	21	2	purpose	purpose	NOUN
fsr-3198	21	3	of	of	ADP
fsr-3198	21	4	this	this	DET
fsr-3198	21	5	refereed	refereed	ADJ
fsr-3198	21	6	academic	academic	ADJ
fsr-3198	21	7	journal	journal	NOUN
fsr-3198	21	8	is	be	AUX
fsr-3198	21	9	to	to	PART
fsr-3198	21	10	encourage	encourage	VERB
fsr-3198	21	11	rigorous	rigorous	ADJ
fsr-3198	21	12	empirical	empirical	ADJ
fsr-3198	21	13	research	research	NOUN
fsr-3198	21	14	that	that	PRON
fsr-3198	21	15	examines	examine	VERB
fsr-3198	21	16	individual	individual	ADJ
fsr-3198	21	17	behavior	behavior	NOUN
fsr-3198	21	18	in	in	ADP
fsr-3198	21	19	terms	term	NOUN
fsr-3198	21	20	of	of	ADP
fsr-3198	21	21	financial	financial	ADJ
fsr-3198	21	22	planning	planning	NOUN
fsr-3198	21	23	and	and	CCONJ
fsr-3198	21	24	services	service	NOUN
fsr-3198	21	25	.	.	PUNCT
fsr-3198	22	1	in	in	ADP
fsr-3198	22	2	contrast	contrast	NOUN
fsr-3198	22	3	to	to	ADP
fsr-3198	22	4	the	the	DET
fsr-3198	22	5	many	many	ADJ
fsr-3198	22	6	corporate	corporate	ADJ
fsr-3198	22	7	or	or	CCONJ
fsr-3198	22	8	institutional	institutional	ADJ
fsr-3198	22	9	journals	journal	NOUN
fsr-3198	22	10	that	that	PRON
fsr-3198	22	11	are	be	AUX
fsr-3198	22	12	available	available	ADJ
fsr-3198	22	13	in	in	ADP
fsr-3198	22	14	finance	finance	NOUN
fsr-3198	22	15	,	,	PUNCT
fsr-3198	22	16	the	the	DET
fsr-3198	22	17	focus	focus	NOUN
fsr-3198	22	18	of	of	ADP
fsr-3198	22	19	this	this	DET
fsr-3198	22	20	journal	journal	NOUN
fsr-3198	22	21	is	be	AUX
fsr-3198	22	22	on	on	ADP
fsr-3198	22	23	individual	individual	ADJ
fsr-3198	22	24	financial	financial	ADJ
fsr-3198	22	25	issues	issue	NOUN
fsr-3198	22	26	.	.	PUNCT
fsr-3198	23	1	the	the	DET
fsr-3198	23	2	journal	journal	NOUN
fsr-3198	23	3	provides	provide	VERB
fsr-3198	23	4	a	a	DET
fsr-3198	23	5	forum	forum	NOUN
fsr-3198	23	6	for	for	ADP
fsr-3198	23	7	those	those	PRON
fsr-3198	23	8	who	who	PRON
fsr-3198	23	9	are	be	AUX
fsr-3198	23	10	interested	interested	ADJ
fsr-3198	23	11	in	in	ADP
fsr-3198	23	12	the	the	DET
fsr-3198	23	13	individual	individual	ADJ
fsr-3198	23	14	perspective	perspective	NOUN
fsr-3198	23	15	on	on	ADP
fsr-3198	23	16	issues	issue	NOUN
fsr-3198	23	17	in	in	ADP
fsr-3198	23	18	the	the	DET
fsr-3198	23	19	areas	area	NOUN
fsr-3198	23	20	of	of	ADP
fsr-3198	23	21	financial	financial	ADJ
fsr-3198	23	22	services	service	NOUN
fsr-3198	23	23	,	,	PUNCT
fsr-3198	23	24	employee	employee	NOUN
fsr-3198	23	25	benefits	benefit	NOUN
fsr-3198	23	26	,	,	PUNCT
fsr-3198	23	27	estate	estate	NOUN
fsr-3198	23	28	and	and	CCONJ
fsr-3198	23	29	tax	tax	NOUN
fsr-3198	23	30	planning	planning	NOUN
fsr-3198	23	31	,	,	PUNCT
fsr-3198	23	32	financial	financial	ADJ
fsr-3198	23	33	counseling	counseling	NOUN
fsr-3198	23	34	,	,	PUNCT
fsr-3198	23	35	financial	financial	ADJ
fsr-3198	23	36	planning	planning	NOUN
fsr-3198	23	37	,	,	PUNCT
fsr-3198	23	38	insurance	insurance	NOUN
fsr-3198	23	39	,	,	PUNCT
fsr-3198	23	40	investments	investment	NOUN
fsr-3198	23	41	,	,	PUNCT
fsr-3198	23	42	mutual	mutual	ADJ
fsr-3198	23	43	funds	fund	NOUN
fsr-3198	23	44	,	,	PUNCT
fsr-3198	23	45	pension	pension	NOUN
fsr-3198	23	46	and	and	CCONJ
fsr-3198	23	47	retirement	retirement	NOUN
fsr-3198	23	48	planning	planning	NOUN
fsr-3198	23	49	,	,	PUNCT
fsr-3198	23	50	and	and	CCONJ
fsr-3198	23	51	real	real	ADJ
fsr-3198	23	52	estate	estate	NOUN
fsr-3198	23	53	.	.	PUNCT
fsr-3198	24	1	publication	publication	NOUN
fsr-3198	24	2	information	information	NOUN
fsr-3198	24	3	.	.	PUNCT
fsr-3198	25	1	financial	financial	ADJ
fsr-3198	25	2	services	service	NOUN
fsr-3198	25	3	review	review	NOUN
fsr-3198	25	4	is	be	AUX
fsr-3198	25	5	co	co	VERB
fsr-3198	25	6	-	-	VERB
fsr-3198	25	7	published	publish	VERB
fsr-3198	25	8	quarterly	quarterly	NOUN
fsr-3198	25	9	by	by	ADP
fsr-3198	25	10	the	the	DET
fsr-3198	25	11	academy	academy	PROPN
fsr-3198	25	12	of	of	ADP
fsr-3198	25	13	financial	financial	ADJ
fsr-3198	25	14	services	service	NOUN
fsr-3198	25	15	,	,	PUNCT
fsr-3198	25	16	and	and	CCONJ
fsr-3198	25	17	the	the	DET
fsr-3198	25	18	financial	financial	ADJ
fsr-3198	25	19	planning	planning	PROPN
fsr-3198	25	20	association	association	PROPN
fsr-3198	25	21	.	.	PUNCT
fsr-3198	26	1	institutional	institutional	ADJ
fsr-3198	26	2	subscription	subscription	NOUN
fsr-3198	26	3	price	price	NOUN
fsr-3198	26	4	for	for	ADP
fsr-3198	26	5	the	the	DET
fsr-3198	26	6	year	year	NOUN
fsr-3198	26	7	2014	2014	NUM
fsr-3198	26	8	is	be	AUX
fsr-3198	26	9	$	$	SYM
fsr-3198	26	10	100	100	NUM
fsr-3198	26	11	.	.	PUNCT
fsr-3198	27	1	personal	personal	ADJ
fsr-3198	27	2	subscription	subscription	NOUN
fsr-3198	27	3	price	price	NOUN
fsr-3198	27	4	for	for	ADP
fsr-3198	27	5	the	the	DET
fsr-3198	27	6	year	year	NOUN
fsr-3198	27	7	2014	2014	NUM
fsr-3198	27	8	is	be	AUX
fsr-3198	27	9	$	$	SYM
fsr-3198	27	10	75	75	NUM
fsr-3198	27	11	and	and	CCONJ
fsr-3198	27	12	is	be	AUX
fsr-3198	27	13	available	available	ADJ
fsr-3198	27	14	by	by	ADP
fsr-3198	27	15	joining	join	VERB
fsr-3198	27	16	the	the	DET
fsr-3198	27	17	academy	academy	NOUN
fsr-3198	27	18	of	of	ADP
fsr-3198	27	19	financial	financial	ADJ
fsr-3198	27	20	services	service	NOUN
fsr-3198	27	21	.	.	PUNCT
fsr-3198	28	1	further	further	ADJ
fsr-3198	28	2	information	information	NOUN
fsr-3198	28	3	on	on	ADP
fsr-3198	28	4	this	this	DET
fsr-3198	28	5	journal	journal	NOUN
fsr-3198	28	6	and	and	CCONJ
fsr-3198	28	7	the	the	DET
fsr-3198	28	8	academy	academy	NOUN
fsr-3198	28	9	of	of	ADP
fsr-3198	28	10	financial	financial	ADJ
fsr-3198	28	11	services	service	NOUN
fsr-3198	28	12	is	be	AUX
fsr-3198	28	13	available	available	ADJ
fsr-3198	28	14	from	from	ADP
fsr-3198	28	15	the	the	DET
fsr-3198	28	16	website	website	NOUN
fsr-3198	28	17	,	,	PUNCT
fsr-3198	28	18	http://www.academyfinancial.org	http://www.academyfinancial.org	PROPN
fsr-3198	28	19	.	.	PUNCT
fsr-3198	29	1	postmaster	postmaster	NOUN
fsr-3198	29	2	and	and	CCONJ
fsr-3198	29	3	subscribers	subscriber	NOUN
fsr-3198	29	4	should	should	AUX
fsr-3198	29	5	send	send	VERB
fsr-3198	29	6	change	change	NOUN
fsr-3198	29	7	of	of	ADP
fsr-3198	29	8	address	address	NOUN
fsr-3198	29	9	notices	notice	NOUN
fsr-3198	29	10	to	to	ADP
fsr-3198	29	11	stuart	stuart	PROPN
fsr-3198	29	12	michelson	michelson	PROPN
fsr-3198	29	13	,	,	PUNCT
fsr-3198	29	14	academy	academy	PROPN
fsr-3198	29	15	of	of	ADP
fsr-3198	29	16	financial	financial	ADJ
fsr-3198	29	17	services	service	NOUN
fsr-3198	29	18	,	,	PUNCT
fsr-3198	29	19	stetson	stetson	NOUN
fsr-3198	29	20	university	university	NOUN
fsr-3198	29	21	,	,	PUNCT
fsr-3198	29	22	school	school	NOUN
fsr-3198	29	23	of	of	ADP
fsr-3198	29	24	business	business	NOUN
fsr-3198	29	25	,	,	PUNCT
fsr-3198	29	26	421	421	NUM
fsr-3198	29	27	n.	n.	PROPN
fsr-3198	29	28	woodland	woodland	NOUN
fsr-3198	29	29	blvd	blvd	PROPN
fsr-3198	29	30	.	.	PUNCT
fsr-3198	29	31	,	,	PUNCT
fsr-3198	29	32	unit	unit	NOUN
fsr-3198	29	33	8398	8398	NUM
fsr-3198	29	34	,	,	PUNCT
fsr-3198	29	35	deland	deland	PROPN
fsr-3198	29	36	,	,	PUNCT
fsr-3198	29	37	fl	fl	PROPN
fsr-3198	29	38	32723	32723	NUM
fsr-3198	29	39	.	.	PUNCT
fsr-3198	30	1	editorial	editorial	ADJ
fsr-3198	30	2	office	office	NOUN
fsr-3198	30	3	:	:	PUNCT
fsr-3198	30	4	stuart	stuart	PROPN
fsr-3198	30	5	michelson	michelson	PROPN
fsr-3198	30	6	,	,	PUNCT
fsr-3198	30	7	school	school	NOUN
fsr-3198	30	8	of	of	ADP
fsr-3198	30	9	business	business	NOUN
fsr-3198	30	10	,	,	PUNCT
fsr-3198	30	11	stetson	stetson	NOUN
fsr-3198	30	12	university	university	NOUN
fsr-3198	30	13	,	,	PUNCT
fsr-3198	30	14	421	421	NUM
fsr-3198	30	15	n.	n.	PROPN
fsr-3198	30	16	woodland	woodland	NOUN
fsr-3198	30	17	blvd	blvd	PROPN
fsr-3198	30	18	.	.	PUNCT
fsr-3198	30	19	,	,	PUNCT
fsr-3198	30	20	unit	unit	NOUN
fsr-3198	30	21	8398	8398	NUM
fsr-3198	30	22	,	,	PUNCT
fsr-3198	30	23	deland	deland	PROPN
fsr-3198	30	24	,	,	PUNCT
fsr-3198	30	25	fl	fl	PROPN
fsr-3198	30	26	32723	32723	NUM
fsr-3198	30	27	.	.	PUNCT
fsr-3198	31	1	phone	phone	NOUN
fsr-3198	31	2	:	:	PUNCT
fsr-3198	31	3	(	(	PUNCT
fsr-3198	31	4	386	386	NUM
fsr-3198	31	5	)	)	PUNCT
fsr-3198	31	6	822	822	NUM
fsr-3198	31	7	-	-	SYM
fsr-3198	31	8	7376	7376	NUM
fsr-3198	31	9	.	.	PUNCT
fsr-3198	32	1	email	email	NOUN
fsr-3198	32	2	address	address	NOUN
fsr-3198	32	3	:	:	PUNCT
fsr-3198	32	4	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3198	32	5	.	.	PROPN
fsr-3198	32	6	web	web	NOUN
fsr-3198	32	7	address	address	NOUN
fsr-3198	32	8	:	:	PUNCT
fsr-3198	32	9	www.academyfinancial.org	www.academyfinancial.org	X
fsr-3198	32	10	.	.	PUNCT
fsr-3198	32	11	advertising	advertising	NOUN
fsr-3198	32	12	information	information	NOUN
fsr-3198	32	13	.	.	PUNCT
fsr-3198	33	1	those	those	PRON
fsr-3198	33	2	interested	interested	ADJ
fsr-3198	33	3	in	in	ADP
fsr-3198	33	4	advertising	advertising	NOUN
fsr-3198	33	5	in	in	ADP
fsr-3198	33	6	the	the	DET
fsr-3198	33	7	journal	journal	NOUN
fsr-3198	33	8	should	should	AUX
fsr-3198	33	9	contact	contact	VERB
fsr-3198	33	10	stuart	stuart	PROPN
fsr-3198	33	11	michelson	michelson	PROPN
fsr-3198	33	12	,	,	PUNCT
fsr-3198	33	13	school	school	NOUN
fsr-3198	33	14	of	of	ADP
fsr-3198	33	15	business	business	NOUN
fsr-3198	33	16	,	,	PUNCT
fsr-3198	33	17	stetson	stetson	NOUN
fsr-3198	33	18	university	university	NOUN
fsr-3198	33	19	,	,	PUNCT
fsr-3198	33	20	421	421	NUM
fsr-3198	33	21	n.	n.	PROPN
fsr-3198	33	22	woodland	woodland	NOUN
fsr-3198	33	23	blvd	blvd	PROPN
fsr-3198	33	24	.	.	PUNCT
fsr-3198	33	25	,	,	PUNCT
fsr-3198	33	26	unit	unit	NOUN
fsr-3198	33	27	8398	8398	NUM
fsr-3198	33	28	,	,	PUNCT
fsr-3198	33	29	deland	deland	PROPN
fsr-3198	33	30	,	,	PUNCT
fsr-3198	33	31	fl	fl	PROPN
fsr-3198	33	32	32723	32723	NUM
fsr-3198	33	33	.	.	PUNCT
fsr-3198	34	1	email	email	NOUN
fsr-3198	34	2	address	address	NOUN
fsr-3198	34	3	:	:	PUNCT
fsr-3198	34	4	smichels@stetson.edu	smichels@stetson.edu	PROPN
fsr-3198	34	5	,	,	PUNCT
fsr-3198	34	6	(	(	PUNCT
fsr-3198	34	7	386	386	NUM
fsr-3198	34	8	)	)	PUNCT
fsr-3198	34	9	822	822	NUM
fsr-3198	34	10	-	-	SYM
fsr-3198	34	11	7376	7376	NUM
fsr-3198	34	12	.	.	PUNCT
fsr-3198	35	1	printed	print	VERB
fsr-3198	35	2	in	in	ADP
fsr-3198	35	3	the	the	DET
fsr-3198	35	4	usa	usa	PROPN
fsr-3198	35	5	©	©	PROPN
fsr-3198	35	6	2014	2014	NUM
fsr-3198	35	7	academy	academy	NOUN
fsr-3198	35	8	of	of	ADP
fsr-3198	35	9	financial	financial	ADJ
fsr-3198	35	10	services	service	NOUN
fsr-3198	35	11	.	.	PUNCT
fsr-3198	36	1	all	all	DET
fsr-3198	36	2	rights	right	NOUN
fsr-3198	36	3	reserved	reserve	VERB
fsr-3198	36	4	.	.	PUNCT
fsr-3198	37	1	this	this	DET
fsr-3198	37	2	journal	journal	NOUN
fsr-3198	37	3	and	and	CCONJ
fsr-3198	37	4	the	the	DET
fsr-3198	37	5	individual	individual	ADJ
fsr-3198	37	6	contributions	contribution	NOUN
fsr-3198	37	7	contained	contain	VERB
fsr-3198	37	8	in	in	ADP
fsr-3198	37	9	it	it	PRON
fsr-3198	37	10	are	be	AUX
fsr-3198	37	11	protected	protect	VERB
fsr-3198	37	12	under	under	ADP
fsr-3198	37	13	copyright	copyright	NOUN
fsr-3198	37	14	by	by	ADP
fsr-3198	37	15	the	the	DET
fsr-3198	37	16	academy	academy	PROPN
fsr-3198	37	17	of	of	ADP
fsr-3198	37	18	financial	financial	ADJ
fsr-3198	37	19	services	service	NOUN
fsr-3198	37	20	,	,	PUNCT
fsr-3198	37	21	and	and	CCONJ
fsr-3198	37	22	the	the	DET
fsr-3198	37	23	following	follow	VERB
fsr-3198	37	24	terms	term	NOUN
fsr-3198	37	25	and	and	CCONJ
fsr-3198	37	26	conditions	condition	NOUN
fsr-3198	37	27	apply	apply	VERB
fsr-3198	37	28	to	to	ADP
fsr-3198	37	29	their	their	PRON
fsr-3198	37	30	use	use	NOUN
fsr-3198	37	31	:	:	PUNCT
fsr-3198	37	32	photocopying	photocopy	VERB
fsr-3198	37	33	single	single	ADJ
fsr-3198	37	34	photocopies	photocopy	NOUN
fsr-3198	37	35	of	of	ADP
fsr-3198	37	36	single	single	ADJ
fsr-3198	37	37	articles	article	NOUN
fsr-3198	37	38	may	may	AUX
fsr-3198	37	39	be	be	AUX
fsr-3198	37	40	made	make	VERB
fsr-3198	37	41	for	for	ADP
fsr-3198	37	42	personal	personal	ADJ
fsr-3198	37	43	use	use	NOUN
fsr-3198	37	44	as	as	SCONJ
fsr-3198	37	45	allowed	allow	VERB
fsr-3198	37	46	by	by	ADP
fsr-3198	37	47	national	national	ADJ
fsr-3198	37	48	copyright	copyright	NOUN
fsr-3198	37	49	laws	law	NOUN
fsr-3198	37	50	.	.	PUNCT
fsr-3198	38	1	in	in	ADP
fsr-3198	38	2	addition	addition	NOUN
fsr-3198	38	3	,	,	PUNCT
fsr-3198	38	4	the	the	DET
fsr-3198	38	5	academy	academy	NOUN
fsr-3198	38	6	of	of	ADP
fsr-3198	38	7	financial	financial	ADJ
fsr-3198	38	8	services	service	NOUN
fsr-3198	38	9	hereby	hereby	ADV
fsr-3198	38	10	permits	permit	VERB
fsr-3198	38	11	educators	educator	NOUN
fsr-3198	38	12	and	and	CCONJ
fsr-3198	38	13	educational	educational	ADJ
fsr-3198	38	14	institutions	institution	NOUN
fsr-3198	38	15	the	the	DET
fsr-3198	38	16	right	right	NOUN
fsr-3198	38	17	to	to	PART
fsr-3198	38	18	make	make	VERB
fsr-3198	38	19	photocopies	photocopy	NOUN
fsr-3198	38	20	for	for	ADP
fsr-3198	38	21	non	non	ADJ
fsr-3198	38	22	-	-	ADJ
fsr-3198	38	23	profit	profit	ADJ
fsr-3198	38	24	educational	educational	ADJ
fsr-3198	38	25	classroom	classroom	NOUN
fsr-3198	38	26	use	use	NOUN
fsr-3198	38	27	.	.	PUNCT
fsr-3198	39	1	permission	permission	NOUN
fsr-3198	39	2	of	of	ADP
fsr-3198	39	3	the	the	DET
fsr-3198	39	4	academy	academy	NOUN
fsr-3198	39	5	is	be	AUX
fsr-3198	39	6	required	require	VERB
fsr-3198	39	7	for	for	ADP
fsr-3198	39	8	all	all	DET
fsr-3198	39	9	other	other	ADJ
fsr-3198	39	10	photocopying	photocopying	NOUN
fsr-3198	39	11	,	,	PUNCT
fsr-3198	39	12	including	include	VERB
fsr-3198	39	13	multiple	multiple	ADJ
fsr-3198	39	14	or	or	CCONJ
fsr-3198	39	15	systematic	systematic	ADJ
fsr-3198	39	16	copying	copying	NOUN
fsr-3198	39	17	,	,	PUNCT
fsr-3198	39	18	copying	copy	VERB
fsr-3198	39	19	for	for	ADP
fsr-3198	39	20	advertising	advertising	NOUN
fsr-3198	39	21	or	or	CCONJ
fsr-3198	39	22	promotional	promotional	ADJ
fsr-3198	39	23	purposes	purpose	NOUN
fsr-3198	39	24	,	,	PUNCT
fsr-3198	39	25	resale	resale	NOUN
fsr-3198	39	26	,	,	PUNCT
fsr-3198	39	27	and	and	CCONJ
fsr-3198	39	28	all	all	DET
fsr-3198	39	29	forms	form	NOUN
fsr-3198	39	30	of	of	ADP
fsr-3198	39	31	document	document	NOUN
fsr-3198	39	32	delivery	delivery	NOUN
fsr-3198	39	33	.	.	PUNCT
fsr-3198	40	1	permissions	permission	NOUN
fsr-3198	40	2	may	may	AUX
fsr-3198	40	3	be	be	AUX
fsr-3198	40	4	sought	seek	VERB
fsr-3198	40	5	directly	directly	ADV
fsr-3198	40	6	from	from	ADP
fsr-3198	40	7	the	the	DET
fsr-3198	40	8	editor	editor	NOUN
fsr-3198	40	9	,	,	PUNCT
fsr-3198	40	10	stuart	stuart	PROPN
fsr-3198	40	11	michelson	michelson	PROPN
fsr-3198	40	12	.	.	PUNCT
fsr-3198	41	1	contact	contact	PROPN
fsr-3198	41	2	information	information	NOUN
fsr-3198	41	3	:	:	PUNCT
fsr-3198	41	4	stuart	stuart	PROPN
fsr-3198	41	5	michelson	michelson	PROPN
fsr-3198	41	6	,	,	PUNCT
fsr-3198	41	7	school	school	NOUN
fsr-3198	41	8	of	of	ADP
fsr-3198	41	9	business	business	NOUN
fsr-3198	41	10	,	,	PUNCT
fsr-3198	41	11	stetson	stetson	NOUN
fsr-3198	41	12	university	university	NOUN
fsr-3198	41	13	,	,	PUNCT
fsr-3198	41	14	421	421	NUM
fsr-3198	41	15	n.	n.	PROPN
fsr-3198	41	16	woodland	woodland	NOUN
fsr-3198	41	17	blvd	blvd	PROPN
fsr-3198	41	18	.	.	PUNCT
fsr-3198	41	19	,	,	PUNCT
fsr-3198	41	20	unit	unit	NOUN
fsr-3198	41	21	8398	8398	NUM
fsr-3198	41	22	,	,	PUNCT
fsr-3198	41	23	deland	deland	PROPN
fsr-3198	41	24	,	,	PUNCT
fsr-3198	41	25	fl	fl	PROPN
fsr-3198	41	26	32723	32723	NUM
fsr-3198	41	27	.	.	PUNCT
fsr-3198	42	1	phone	phone	NOUN
fsr-3198	42	2	:	:	PUNCT
fsr-3198	42	3	(	(	PUNCT
fsr-3198	42	4	386	386	NUM
fsr-3198	42	5	)	)	PUNCT
fsr-3198	42	6	822	822	NUM
fsr-3198	42	7	-	-	SYM
fsr-3198	42	8	7376	7376	NUM
fsr-3198	42	9	.	.	PUNCT
fsr-3198	43	1	email	email	NOUN
fsr-3198	43	2	:	:	PUNCT
fsr-3198	44	1	smichels@stetson.edu	smichels@stetson.edu	X
fsr-3198	44	2	.	.	PUNCT
fsr-3198	45	1	derivative	derivative	ADJ
fsr-3198	45	2	works	work	NOUN
fsr-3198	45	3	subscribers	subscriber	NOUN
fsr-3198	45	4	may	may	AUX
fsr-3198	45	5	reproduce	reproduce	VERB
fsr-3198	45	6	tables	table	NOUN
fsr-3198	45	7	of	of	ADP
fsr-3198	45	8	contents	content	NOUN
fsr-3198	45	9	or	or	CCONJ
fsr-3198	45	10	prepare	prepare	VERB
fsr-3198	45	11	lists	list	NOUN
fsr-3198	45	12	of	of	ADP
fsr-3198	45	13	articles	article	NOUN
fsr-3198	45	14	including	include	VERB
fsr-3198	45	15	abstracts	abstract	NOUN
fsr-3198	45	16	for	for	ADP
fsr-3198	45	17	internal	internal	ADJ
fsr-3198	45	18	circulation	circulation	NOUN
fsr-3198	45	19	within	within	ADP
fsr-3198	45	20	their	their	PRON
fsr-3198	45	21	institutions	institution	NOUN
fsr-3198	45	22	.	.	PUNCT
fsr-3198	46	1	permission	permission	NOUN
fsr-3198	46	2	of	of	ADP
fsr-3198	46	3	the	the	DET
fsr-3198	46	4	academy	academy	NOUN
fsr-3198	46	5	is	be	AUX
fsr-3198	46	6	required	require	VERB
fsr-3198	46	7	for	for	ADP
fsr-3198	46	8	resale	resale	NOUN
fsr-3198	46	9	or	or	CCONJ
fsr-3198	46	10	distribution	distribution	NOUN
fsr-3198	46	11	outside	outside	ADP
fsr-3198	46	12	the	the	DET
fsr-3198	46	13	institution	institution	NOUN
fsr-3198	46	14	.	.	PUNCT
fsr-3198	47	1	permission	permission	NOUN
fsr-3198	47	2	of	of	ADP
fsr-3198	47	3	the	the	DET
fsr-3198	47	4	academy	academy	NOUN
fsr-3198	47	5	is	be	AUX
fsr-3198	47	6	required	require	VERB
fsr-3198	47	7	for	for	ADP
fsr-3198	47	8	all	all	DET
fsr-3198	47	9	other	other	ADJ
fsr-3198	47	10	derivative	derivative	ADJ
fsr-3198	47	11	works	work	NOUN
fsr-3198	47	12	,	,	PUNCT
fsr-3198	47	13	including	include	VERB
fsr-3198	47	14	compilations	compilation	NOUN
fsr-3198	47	15	and	and	CCONJ
fsr-3198	47	16	translations	translation	NOUN
fsr-3198	47	17	.	.	PUNCT
fsr-3198	48	1	electronic	electronic	ADJ
fsr-3198	48	2	storage	storage	NOUN
fsr-3198	48	3	or	or	CCONJ
fsr-3198	48	4	usage	usage	NOUN
fsr-3198	48	5	permission	permission	NOUN
fsr-3198	48	6	of	of	ADP
fsr-3198	48	7	the	the	DET
fsr-3198	48	8	academy	academy	NOUN
fsr-3198	48	9	is	be	AUX
fsr-3198	48	10	required	require	VERB
fsr-3198	48	11	to	to	PART
fsr-3198	48	12	store	store	VERB
fsr-3198	48	13	or	or	CCONJ
fsr-3198	48	14	use	use	VERB
fsr-3198	48	15	electronically	electronically	ADV
fsr-3198	48	16	any	any	DET
fsr-3198	48	17	material	material	NOUN
fsr-3198	48	18	contained	contain	VERB
fsr-3198	48	19	in	in	ADP
fsr-3198	48	20	this	this	DET
fsr-3198	48	21	journal	journal	NOUN
fsr-3198	48	22	,	,	PUNCT
fsr-3198	48	23	including	include	VERB
fsr-3198	48	24	any	any	DET
fsr-3198	48	25	article	article	NOUN
fsr-3198	48	26	or	or	CCONJ
fsr-3198	48	27	part	part	NOUN
fsr-3198	48	28	of	of	ADP
fsr-3198	48	29	an	an	DET
fsr-3198	48	30	article	article	NOUN
fsr-3198	48	31	.	.	PUNCT
fsr-3198	49	1	except	except	SCONJ
fsr-3198	49	2	as	as	SCONJ
fsr-3198	49	3	outlined	outline	VERB
fsr-3198	49	4	above	above	ADV
fsr-3198	49	5	,	,	PUNCT
fsr-3198	49	6	no	no	DET
fsr-3198	49	7	part	part	NOUN
fsr-3198	49	8	of	of	ADP
fsr-3198	49	9	this	this	DET
fsr-3198	49	10	publication	publication	NOUN
fsr-3198	49	11	may	may	AUX
fsr-3198	49	12	be	be	AUX
fsr-3198	49	13	reproduced	reproduce	VERB
fsr-3198	49	14	,	,	PUNCT
fsr-3198	49	15	stored	store	VERB
fsr-3198	49	16	in	in	ADP
fsr-3198	49	17	a	a	DET
fsr-3198	49	18	retrieval	retrieval	NOUN
fsr-3198	49	19	system	system	NOUN
fsr-3198	49	20	or	or	CCONJ
fsr-3198	49	21	transmitted	transmit	VERB
fsr-3198	49	22	in	in	ADP
fsr-3198	49	23	any	any	DET
fsr-3198	49	24	form	form	NOUN
fsr-3198	49	25	or	or	CCONJ
fsr-3198	49	26	by	by	ADP
fsr-3198	49	27	any	any	DET
fsr-3198	49	28	means	mean	NOUN
fsr-3198	49	29	,	,	PUNCT
fsr-3198	49	30	electronic	electronic	ADJ
fsr-3198	49	31	,	,	PUNCT
fsr-3198	49	32	mechanical	mechanical	ADJ
fsr-3198	49	33	,	,	PUNCT
fsr-3198	49	34	photocopying	photocopying	NOUN
fsr-3198	49	35	,	,	PUNCT
fsr-3198	49	36	recording	recording	NOUN
fsr-3198	49	37	,	,	PUNCT
fsr-3198	49	38	or	or	CCONJ
fsr-3198	49	39	otherwise	otherwise	ADV
fsr-3198	49	40	,	,	PUNCT
fsr-3198	49	41	without	without	ADP
fsr-3198	49	42	prior	prior	ADJ
fsr-3198	49	43	written	write	VERB
fsr-3198	49	44	permission	permission	NOUN
fsr-3198	49	45	of	of	ADP
fsr-3198	49	46	the	the	DET
fsr-3198	49	47	academy	academy	PROPN
fsr-3198	49	48	.	.	PUNCT
fsr-3198	50	1	address	address	PROPN
fsr-3198	50	2	permissions	permission	NOUN
fsr-3198	50	3	requests	request	NOUN
fsr-3198	50	4	to	to	ADP
fsr-3198	50	5	the	the	DET
fsr-3198	50	6	editor	editor	NOUN
fsr-3198	50	7	at	at	ADP
fsr-3198	50	8	the	the	DET
fsr-3198	50	9	address	address	NOUN
fsr-3198	50	10	noted	note	VERB
fsr-3198	50	11	above	above	ADV
fsr-3198	50	12	.	.	PUNCT
fsr-3198	51	1	notice	notice	VERB
fsr-3198	51	2	no	no	DET
fsr-3198	51	3	responsibility	responsibility	NOUN
fsr-3198	51	4	is	be	AUX
fsr-3198	51	5	assumed	assume	VERB
fsr-3198	51	6	by	by	ADP
fsr-3198	51	7	the	the	DET
fsr-3198	51	8	academy	academy	NOUN
fsr-3198	51	9	for	for	ADP
fsr-3198	51	10	any	any	DET
fsr-3198	51	11	injury	injury	NOUN
fsr-3198	51	12	and/or	and/or	CCONJ
fsr-3198	51	13	damage	damage	NOUN
fsr-3198	51	14	to	to	ADP
fsr-3198	51	15	persons	person	NOUN
fsr-3198	51	16	or	or	CCONJ
fsr-3198	51	17	property	property	NOUN
fsr-3198	51	18	as	as	ADP
fsr-3198	51	19	a	a	DET
fsr-3198	51	20	matter	matter	NOUN
fsr-3198	51	21	of	of	ADP
fsr-3198	51	22	products	product	NOUN
fsr-3198	51	23	liability	liability	NOUN
fsr-3198	51	24	,	,	PUNCT
fsr-3198	51	25	negligence	negligence	NOUN
fsr-3198	51	26	,	,	PUNCT
fsr-3198	51	27	or	or	CCONJ
fsr-3198	51	28	otherwise	otherwise	ADV
fsr-3198	51	29	,	,	PUNCT
fsr-3198	51	30	or	or	CCONJ
fsr-3198	51	31	from	from	ADP
fsr-3198	51	32	any	any	DET
fsr-3198	51	33	use	use	NOUN
fsr-3198	51	34	or	or	CCONJ
fsr-3198	51	35	operation	operation	NOUN
fsr-3198	51	36	of	of	ADP
fsr-3198	51	37	any	any	DET
fsr-3198	51	38	methods	method	NOUN
fsr-3198	51	39	,	,	PUNCT
fsr-3198	51	40	products	product	NOUN
fsr-3198	51	41	,	,	PUNCT
fsr-3198	51	42	instructions	instruction	NOUN
fsr-3198	51	43	,	,	PUNCT
fsr-3198	51	44	or	or	CCONJ
fsr-3198	51	45	ideas	idea	NOUN
fsr-3198	51	46	contained	contain	VERB
fsr-3198	51	47	in	in	ADP
fsr-3198	51	48	the	the	DET
fsr-3198	51	49	material	material	NOUN
fsr-3198	51	50	herein	herein	NOUN
fsr-3198	51	51	.	.	PUNCT
fsr-3198	52	1	the	the	DET
fsr-3198	52	2	editors	editor	NOUN
fsr-3198	52	3	,	,	PUNCT
fsr-3198	52	4	the	the	DET
fsr-3198	52	5	academy	academy	NOUN
fsr-3198	52	6	,	,	PUNCT
fsr-3198	52	7	and	and	CCONJ
fsr-3198	52	8	our	our	PRON
fsr-3198	52	9	sponsors	sponsor	NOUN
fsr-3198	52	10	assume	assume	VERB
fsr-3198	52	11	no	no	DET
fsr-3198	52	12	responsibility	responsibility	NOUN
fsr-3198	52	13	for	for	ADP
fsr-3198	52	14	the	the	DET
fsr-3198	52	15	views	view	NOUN
fsr-3198	52	16	expressed	express	VERB
fsr-3198	52	17	by	by	ADP
fsr-3198	52	18	our	our	PRON
fsr-3198	52	19	authors	author	NOUN
fsr-3198	52	20	.	.	PUNCT
fsr-3198	53	1	from	from	ADP
fsr-3198	53	2	the	the	DET
fsr-3198	53	3	editor	editor	NOUN
fsr-3198	53	4	this	this	DET
fsr-3198	53	5	issue	issue	NOUN
fsr-3198	53	6	contains	contain	VERB
fsr-3198	53	7	issue	issue	NOUN
fsr-3198	53	8	3	3	NUM
fsr-3198	53	9	of	of	ADP
fsr-3198	53	10	volume	volume	NOUN
fsr-3198	53	11	23	23	NUM
fsr-3198	53	12	of	of	ADP
fsr-3198	53	13	financial	financial	ADJ
fsr-3198	53	14	services	service	NOUN
fsr-3198	53	15	review	review	NOUN
fsr-3198	53	16	(	(	PUNCT
fsr-3198	53	17	fsr	fsr	PROPN
fsr-3198	53	18	)	)	PUNCT
fsr-3198	53	19	.	.	PUNCT
fsr-3198	54	1	i	i	PRON
fsr-3198	54	2	would	would	AUX
fsr-3198	54	3	like	like	VERB
fsr-3198	54	4	to	to	PART
fsr-3198	54	5	thank	thank	VERB
fsr-3198	54	6	the	the	DET
fsr-3198	54	7	board	board	NOUN
fsr-3198	54	8	and	and	CCONJ
fsr-3198	54	9	members	member	NOUN
fsr-3198	54	10	of	of	ADP
fsr-3198	54	11	the	the	DET
fsr-3198	54	12	academy	academy	NOUN
fsr-3198	54	13	of	of	ADP
fsr-3198	54	14	financial	financial	ADJ
fsr-3198	54	15	services	service	NOUN
fsr-3198	54	16	for	for	ADP
fsr-3198	54	17	their	their	PRON
fsr-3198	54	18	continued	continue	VERB
fsr-3198	54	19	support	support	NOUN
fsr-3198	54	20	.	.	PUNCT
fsr-3198	55	1	i	i	PRON
fsr-3198	55	2	continue	continue	VERB
fsr-3198	55	3	to	to	PART
fsr-3198	55	4	work	work	VERB
fsr-3198	55	5	in	in	ADP
fsr-3198	55	6	broadening	broaden	VERB
fsr-3198	55	7	the	the	DET
fsr-3198	55	8	scope	scope	NOUN
fsr-3198	55	9	of	of	ADP
fsr-3198	55	10	articles	article	NOUN
fsr-3198	55	11	,	,	PUNCT
fsr-3198	55	12	while	while	SCONJ
fsr-3198	55	13	still	still	ADV
fsr-3198	55	14	focusing	focus	VERB
fsr-3198	55	15	on	on	ADP
fsr-3198	55	16	individual	individual	ADJ
fsr-3198	55	17	financial	financial	ADJ
fsr-3198	55	18	management	management	NOUN
fsr-3198	55	19	and	and	CCONJ
fsr-3198	55	20	personal	personal	ADJ
fsr-3198	55	21	financial	financial	ADJ
fsr-3198	55	22	planning	planning	NOUN
fsr-3198	55	23	.	.	PUNCT
fsr-3198	56	1	i	i	PRON
fsr-3198	56	2	encourage	encourage	VERB
fsr-3198	56	3	authors	author	NOUN
fsr-3198	56	4	to	to	PART
fsr-3198	56	5	reach	reach	VERB
fsr-3198	56	6	out	out	ADP
fsr-3198	56	7	when	when	SCONJ
fsr-3198	56	8	discussing	discuss	VERB
fsr-3198	56	9	implications	implication	NOUN
fsr-3198	56	10	of	of	ADP
fsr-3198	56	11	their	their	PRON
fsr-3198	56	12	findings	finding	NOUN
fsr-3198	56	13	in	in	ADP
fsr-3198	56	14	a	a	DET
fsr-3198	56	15	more	more	ADV
fsr-3198	56	16	comprehensive	comprehensive	ADJ
fsr-3198	56	17	way	way	NOUN
fsr-3198	56	18	.	.	PUNCT
fsr-3198	57	1	as	as	SCONJ
fsr-3198	57	2	such	such	ADJ
fsr-3198	57	3	,	,	PUNCT
fsr-3198	57	4	all	all	DET
fsr-3198	57	5	articles	article	NOUN
fsr-3198	57	6	in	in	ADP
fsr-3198	57	7	the	the	DET
fsr-3198	57	8	journal	journal	NOUN
fsr-3198	57	9	more	more	ADV
fsr-3198	57	10	appropriately	appropriately	ADV
fsr-3198	57	11	relate	relate	VERB
fsr-3198	57	12	to	to	ADP
fsr-3198	57	13	financial	financial	ADJ
fsr-3198	57	14	planning	planning	NOUN
fsr-3198	57	15	issues	issue	NOUN
fsr-3198	57	16	.	.	PUNCT
fsr-3198	58	1	the	the	DET
fsr-3198	58	2	lead	lead	ADJ
fsr-3198	58	3	article	article	NOUN
fsr-3198	58	4	“	"	PUNCT
fsr-3198	58	5	what	what	PRON
fsr-3198	58	6	determines	determine	VERB
fsr-3198	58	7	risk	risk	NOUN
fsr-3198	58	8	tolerance	tolerance	NOUN
fsr-3198	58	9	?	?	PUNCT
fsr-3198	58	10	”	"	PUNCT
fsr-3198	58	11	is	be	AUX
fsr-3198	58	12	coauthored	coauthore	VERB
fsr-3198	58	13	by	by	ADP
fsr-3198	58	14	michael	michael	PROPN
fsr-3198	58	15	guillemette	guillemette	PROPN
fsr-3198	58	16	at	at	ADP
fsr-3198	58	17	the	the	DET
fsr-3198	58	18	university	university	PROPN
fsr-3198	58	19	of	of	ADP
fsr-3198	58	20	missouri	missouri	PROPN
fsr-3198	58	21	and	and	CCONJ
fsr-3198	58	22	david	david	PROPN
fsr-3198	58	23	nanigian	nanigian	PROPN
fsr-3198	58	24	at	at	ADP
fsr-3198	58	25	the	the	DET
fsr-3198	58	26	american	american	PROPN
fsr-3198	58	27	college	college	PROPN
fsr-3198	58	28	.	.	PUNCT
fsr-3198	59	1	in	in	ADP
fsr-3198	59	2	this	this	DET
fsr-3198	59	3	article	article	NOUN
fsr-3198	59	4	,	,	PUNCT
fsr-3198	59	5	the	the	DET
fsr-3198	59	6	authors	author	NOUN
fsr-3198	59	7	investigate	investigate	VERB
fsr-3198	59	8	what	what	PRON
fsr-3198	59	9	drives	drive	VERB
fsr-3198	59	10	risk	risk	NOUN
fsr-3198	59	11	tolerance	tolerance	NOUN
fsr-3198	59	12	as	as	SCONJ
fsr-3198	59	13	it	it	PRON
fsr-3198	59	14	directly	directly	ADV
fsr-3198	59	15	influences	influence	VERB
fsr-3198	59	16	the	the	DET
fsr-3198	59	17	portfolio	portfolio	NOUN
fsr-3198	59	18	allocation	allocation	NOUN
fsr-3198	59	19	preference	preference	NOUN
fsr-3198	59	20	of	of	ADP
fsr-3198	59	21	clients	client	NOUN
fsr-3198	59	22	.	.	PUNCT
fsr-3198	60	1	analyzing	analyze	VERB
fsr-3198	60	2	average	average	ADJ
fsr-3198	60	3	monthly	monthly	ADJ
fsr-3198	60	4	scores	score	NOUN
fsr-3198	60	5	from	from	ADP
fsr-3198	60	6	a	a	DET
fsr-3198	60	7	widely	widely	ADV
fsr-3198	60	8	used	use	VERB
fsr-3198	60	9	risk	risk	NOUN
fsr-3198	60	10	tolerance	tolerance	NOUN
fsr-3198	60	11	questionnaire	questionnaire	NOUN
fsr-3198	60	12	,	,	PUNCT
fsr-3198	60	13	they	they	PRON
fsr-3198	60	14	find	find	VERB
fsr-3198	60	15	that	that	PRON
fsr-3198	60	16	habit	habit	NOUN
fsr-3198	60	17	formation	formation	NOUN
fsr-3198	60	18	,	,	PUNCT
fsr-3198	60	19	loss	loss	NOUN
fsr-3198	60	20	aversion	aversion	NOUN
fsr-3198	60	21	,	,	PUNCT
fsr-3198	60	22	and	and	CCONJ
fsr-3198	60	23	sentiment	sentiment	NOUN
fsr-3198	60	24	proxies	proxy	NOUN
fsr-3198	60	25	account	account	VERB
fsr-3198	60	26	for	for	ADP
fsr-3198	60	27	-1.06	-1.06	PRON
fsr-3198	60	28	%	%	NOUN
fsr-3198	60	29	,	,	PUNCT
fsr-3198	60	30	38.51	38.51	NUM
fsr-3198	60	31	%	%	NOUN
fsr-3198	60	32	and	and	CCONJ
fsr-3198	60	33	13.21	13.21	NUM
fsr-3198	60	34	%	%	NOUN
fsr-3198	60	35	of	of	ADP
fsr-3198	60	36	the	the	DET
fsr-3198	60	37	variation	variation	NOUN
fsr-3198	60	38	in	in	ADP
fsr-3198	60	39	average	average	ADJ
fsr-3198	60	40	monthly	monthly	ADJ
fsr-3198	60	41	risk	risk	NOUN
fsr-3198	60	42	tolerance	tolerance	NOUN
fsr-3198	60	43	,	,	PUNCT
fsr-3198	60	44	respectively	respectively	ADV
fsr-3198	60	45	.	.	PUNCT
fsr-3198	61	1	they	they	PRON
fsr-3198	61	2	also	also	ADV
fsr-3198	61	3	find	find	VERB
fsr-3198	61	4	that	that	SCONJ
fsr-3198	61	5	habit	habit	NOUN
fsr-3198	61	6	formation	formation	NOUN
fsr-3198	61	7	did	do	AUX
fsr-3198	61	8	not	not	PART
fsr-3198	61	9	account	account	VERB
fsr-3198	61	10	for	for	ADP
fsr-3198	61	11	additional	additional	ADJ
fsr-3198	61	12	variation	variation	NOUN
fsr-3198	61	13	in	in	ADP
fsr-3198	61	14	average	average	ADJ
fsr-3198	61	15	monthly	monthly	ADJ
fsr-3198	61	16	risk	risk	NOUN
fsr-3198	61	17	tolerance	tolerance	NOUN
fsr-3198	61	18	when	when	SCONJ
fsr-3198	61	19	controlling	control	VERB
fsr-3198	61	20	for	for	ADP
fsr-3198	61	21	loss	loss	NOUN
fsr-3198	61	22	aversion	aversion	NOUN
fsr-3198	61	23	and	and	CCONJ
fsr-3198	61	24	sentiment	sentiment	NOUN
fsr-3198	61	25	.	.	PUNCT
fsr-3198	62	1	the	the	DET
fsr-3198	62	2	second	second	ADJ
fsr-3198	62	3	article	article	NOUN
fsr-3198	62	4	“	"	PUNCT
fsr-3198	62	5	structured	structured	ADJ
fsr-3198	62	6	certificates	certificate	NOUN
fsr-3198	62	7	of	of	ADP
fsr-3198	62	8	deposit	deposit	NOUN
fsr-3198	62	9	:	:	PUNCT
fsr-3198	62	10	introduction	introduction	NOUN
fsr-3198	62	11	and	and	CCONJ
fsr-3198	62	12	valuation	valuation	NOUN
fsr-3198	62	13	,	,	PUNCT
fsr-3198	62	14	”	"	PUNCT
fsr-3198	62	15	is	be	AUX
fsr-3198	62	16	coauthored	coauthore	VERB
fsr-3198	62	17	by	by	ADP
fsr-3198	62	18	geng	geng	PROPN
fsr-3198	62	19	deng	deng	PROPN
fsr-3198	62	20	,	,	PUNCT
fsr-3198	62	21	tim	tim	PROPN
fsr-3198	62	22	dulaney	dulaney	PROPN
fsr-3198	62	23	,	,	PUNCT
fsr-3198	62	24	tim	tim	PROPN
fsr-3198	62	25	husson	husson	PROPN
fsr-3198	62	26	,	,	PUNCT
fsr-3198	62	27	and	and	CCONJ
fsr-3198	62	28	craig	craig	PROPN
fsr-3198	62	29	mccann	mccann	PROPN
fsr-3198	62	30	,	,	PUNCT
fsr-3198	62	31	all	all	PRON
fsr-3198	62	32	with	with	ADP
fsr-3198	62	33	the	the	DET
fsr-3198	62	34	securities	security	NOUN
fsr-3198	62	35	litigation	litigation	NOUN
fsr-3198	62	36	and	and	CCONJ
fsr-3198	62	37	consulting	consulting	NOUN
fsr-3198	62	38	group	group	NOUN
fsr-3198	62	39	,	,	PUNCT
fsr-3198	62	40	in	in	ADP
fsr-3198	62	41	this	this	DET
fsr-3198	62	42	paper	paper	NOUN
fsr-3198	62	43	,	,	PUNCT
fsr-3198	62	44	the	the	DET
fsr-3198	62	45	authors	author	NOUN
fsr-3198	62	46	examine	examine	VERB
fsr-3198	62	47	the	the	DET
fsr-3198	62	48	properties	property	NOUN
fsr-3198	62	49	and	and	CCONJ
fsr-3198	62	50	valuation	valuation	NOUN
fsr-3198	62	51	of	of	ADP
fsr-3198	62	52	market	market	NOUN
fsr-3198	62	53	-	-	PUNCT
fsr-3198	62	54	linked	link	VERB
fsr-3198	62	55	certificates	certificate	NOUN
fsr-3198	62	56	of	of	ADP
fsr-3198	62	57	deposit	deposit	NOUN
fsr-3198	62	58	(	(	PUNCT
fsr-3198	62	59	structured	structured	ADJ
fsr-3198	62	60	cds	cd	NOUN
fsr-3198	62	61	)	)	PUNCT
fsr-3198	62	62	.	.	PUNCT
fsr-3198	63	1	they	they	PRON
fsr-3198	63	2	review	review	VERB
fsr-3198	63	3	the	the	DET
fsr-3198	63	4	market	market	NOUN
fsr-3198	63	5	for	for	ADP
fsr-3198	63	6	structured	structured	ADJ
fsr-3198	63	7	cds	cd	NOUN
fsr-3198	63	8	and	and	CCONJ
fsr-3198	63	9	provide	provide	VERB
fsr-3198	63	10	valuations	valuation	NOUN
fsr-3198	63	11	for	for	ADP
fsr-3198	63	12	several	several	ADJ
fsr-3198	63	13	common	common	ADJ
fsr-3198	63	14	product	product	NOUN
fsr-3198	63	15	types	type	NOUN
fsr-3198	63	16	.	.	PUNCT
fsr-3198	64	1	they	they	PRON
fsr-3198	64	2	find	find	VERB
fsr-3198	64	3	significant	significant	ADJ
fsr-3198	64	4	mispricing	mispricing	NOUN
fsr-3198	64	5	of	of	ADP
fsr-3198	64	6	several	several	ADJ
fsr-3198	64	7	common	common	ADJ
fsr-3198	64	8	types	type	NOUN
fsr-3198	64	9	of	of	ADP
fsr-3198	64	10	structured	structured	ADJ
fsr-3198	64	11	cds	cd	NOUN
fsr-3198	64	12	across	across	ADP
fsr-3198	64	13	multiple	multiple	ADJ
fsr-3198	64	14	issuers	issuer	NOUN
fsr-3198	64	15	,	,	PUNCT
fsr-3198	64	16	which	which	PRON
fsr-3198	64	17	is	be	AUX
fsr-3198	64	18	similar	similar	ADJ
fsr-3198	64	19	in	in	ADP
fsr-3198	64	20	magnitude	magnitude	NOUN
fsr-3198	64	21	to	to	ADP
fsr-3198	64	22	the	the	DET
fsr-3198	64	23	well	well	ADV
fsr-3198	64	24	-	-	PUNCT
fsr-3198	64	25	documented	document	VERB
fsr-3198	64	26	mispricing	mispricing	NOUN
fsr-3198	64	27	in	in	ADP
fsr-3198	64	28	the	the	DET
fsr-3198	64	29	structured	structured	ADJ
fsr-3198	64	30	products	product	NOUN
fsr-3198	64	31	market	market	NOUN
fsr-3198	64	32	.	.	PUNCT
fsr-3198	65	1	in	in	ADP
fsr-3198	65	2	particular	particular	ADJ
fsr-3198	65	3	,	,	PUNCT
fsr-3198	65	4	they	they	PRON
fsr-3198	65	5	estimate	estimate	VERB
fsr-3198	65	6	that	that	SCONJ
fsr-3198	65	7	structured	structured	ADJ
fsr-3198	65	8	cds	cd	NOUN
fsr-3198	65	9	are	be	AUX
fsr-3198	65	10	typically	typically	ADV
fsr-3198	65	11	worth	worth	ADJ
fsr-3198	65	12	approximately	approximately	ADV
fsr-3198	65	13	93	93	NUM
fsr-3198	65	14	%	%	NOUN
fsr-3198	65	15	of	of	ADP
fsr-3198	65	16	the	the	DET
fsr-3198	65	17	value	value	NOUN
fsr-3198	65	18	of	of	ADP
fsr-3198	65	19	a	a	DET
fsr-3198	65	20	contemporaneously	contemporaneously	ADV
fsr-3198	65	21	issued	issue	VERB
fsr-3198	65	22	fixed	fix	VERB
fsr-3198	65	23	-	-	PUNCT
fsr-3198	65	24	rate	rate	NOUN
fsr-3198	65	25	cd	cd	PROPN
fsr-3198	65	26	.	.	PUNCT
fsr-3198	66	1	these	these	DET
fsr-3198	66	2	results	result	NOUN
fsr-3198	66	3	suggest	suggest	VERB
fsr-3198	66	4	that	that	SCONJ
fsr-3198	66	5	un	un	ADJ
fsr-3198	66	6	-	-	ADJ
fsr-3198	66	7	sophisticated	sophisticated	ADJ
fsr-3198	66	8	investors	investor	NOUN
fsr-3198	66	9	may	may	AUX
fsr-3198	66	10	not	not	PART
fsr-3198	66	11	understand	understand	VERB
fsr-3198	66	12	the	the	DET
fsr-3198	66	13	value	value	NOUN
fsr-3198	66	14	,	,	PUNCT
fsr-3198	66	15	risks	risk	NOUN
fsr-3198	66	16	,	,	PUNCT
fsr-3198	66	17	and	and	CCONJ
fsr-3198	66	18	subtleties	subtlety	NOUN
fsr-3198	66	19	of	of	ADP
fsr-3198	66	20	these	these	DET
fsr-3198	66	21	seemingly	seemingly	ADV
fsr-3198	66	22	conservative	conservative	ADJ
fsr-3198	66	23	investments	investment	NOUN
fsr-3198	66	24	.	.	PUNCT
fsr-3198	67	1	the	the	DET
fsr-3198	67	2	third	third	ADJ
fsr-3198	67	3	article	article	NOUN
fsr-3198	67	4	,	,	PUNCT
fsr-3198	67	5	“	"	PUNCT
fsr-3198	67	6	using	use	VERB
fsr-3198	67	7	the	the	DET
fsr-3198	67	8	new	new	ADJ
fsr-3198	67	9	portability	portability	NOUN
fsr-3198	67	10	election	election	NOUN
fsr-3198	67	11	of	of	ADP
fsr-3198	67	12	deceased	deceased	ADJ
fsr-3198	67	13	spouses	spouse	NOUN
fsr-3198	67	14	:	:	PUNCT
fsr-3198	67	15	a	a	DET
fsr-3198	67	16	pedagogical	pedagogical	ADJ
fsr-3198	67	17	example	example	NOUN
fsr-3198	67	18	”	"	PUNCT
fsr-3198	67	19	is	be	AUX
fsr-3198	67	20	coauthored	coauthore	VERB
fsr-3198	67	21	by	by	ADP
fsr-3198	67	22	de’arno	de’arno	NOUN
fsr-3198	67	23	de’armond	de’armond	ADJ
fsr-3198	67	24	,	,	PUNCT
fsr-3198	67	25	darlene	darlene	PROPN
fsr-3198	67	26	pulliam	pulliam	PROPN
fsr-3198	67	27	,	,	PUNCT
fsr-3198	67	28	and	and	CCONJ
fsr-3198	67	29	robin	robin	PROPN
fsr-3198	67	30	patterson	patterson	PROPN
fsr-3198	67	31	,	,	PUNCT
fsr-3198	67	32	all	all	PRON
fsr-3198	67	33	at	at	ADP
fsr-3198	67	34	west	west	PROPN
fsr-3198	67	35	texas	texas	PROPN
fsr-3198	67	36	a&m	a&m	PROPN
fsr-3198	67	37	university	university	PROPN
fsr-3198	67	38	.	.	PUNCT
fsr-3198	68	1	the	the	DET
fsr-3198	68	2	authors	author	NOUN
fsr-3198	68	3	investigate	investigate	VERB
fsr-3198	68	4	the	the	DET
fsr-3198	68	5	tax	tax	NOUN
fsr-3198	68	6	relief	relief	NOUN
fsr-3198	68	7	,	,	PUNCT
fsr-3198	68	8	unemployment	unemployment	NOUN
fsr-3198	68	9	insurance	insurance	NOUN
fsr-3198	68	10	reauthorization	reauthorization	NOUN
fsr-3198	68	11	,	,	PUNCT
fsr-3198	68	12	and	and	CCONJ
fsr-3198	68	13	job	job	NOUN
fsr-3198	68	14	creation	creation	NOUN
fsr-3198	68	15	act	act	NOUN
fsr-3198	68	16	of	of	ADP
fsr-3198	68	17	2010	2010	NUM
fsr-3198	68	18	.	.	PUNCT
fsr-3198	69	1	the	the	DET
fsr-3198	69	2	act	act	NOUN
fsr-3198	69	3	contains	contain	VERB
fsr-3198	69	4	a	a	DET
fsr-3198	69	5	provision	provision	NOUN
fsr-3198	69	6	which	which	PRON
fsr-3198	69	7	will	will	AUX
fsr-3198	69	8	allow	allow	VERB
fsr-3198	69	9	the	the	DET
fsr-3198	69	10	unused	unused	ADJ
fsr-3198	69	11	portion	portion	NOUN
fsr-3198	69	12	of	of	ADP
fsr-3198	69	13	a	a	DET
fsr-3198	69	14	decedent	decedent	NOUN
fsr-3198	69	15	’s	’s	PART
fsr-3198	69	16	exclusion	exclusion	NOUN
fsr-3198	69	17	(	(	PUNCT
fsr-3198	69	18	taxable	taxable	ADJ
fsr-3198	69	19	estate	estate	NOUN
fsr-3198	69	20	protected	protect	VERB
fsr-3198	69	21	by	by	ADP
fsr-3198	69	22	the	the	DET
fsr-3198	69	23	unified	unified	ADJ
fsr-3198	69	24	credit	credit	NOUN
fsr-3198	69	25	)	)	PUNCT
fsr-3198	69	26	to	to	PART
fsr-3198	69	27	be	be	AUX
fsr-3198	69	28	used	use	VERB
fsr-3198	69	29	upon	upon	SCONJ
fsr-3198	69	30	the	the	DET
fsr-3198	69	31	subsequent	subsequent	ADJ
fsr-3198	69	32	death	death	NOUN
fsr-3198	69	33	of	of	ADP
fsr-3198	69	34	the	the	DET
fsr-3198	69	35	surviving	surviving	NOUN
fsr-3198	69	36	spouse	spouse	NOUN
fsr-3198	69	37	.	.	PUNCT
fsr-3198	70	1	the	the	DET
fsr-3198	70	2	portability	portability	NOUN
fsr-3198	70	3	election	election	NOUN
fsr-3198	70	4	is	be	AUX
fsr-3198	70	5	simple	simple	ADJ
fsr-3198	70	6	for	for	ADP
fsr-3198	70	7	situations	situation	NOUN
fsr-3198	70	8	where	where	SCONJ
fsr-3198	70	9	it	it	PRON
fsr-3198	70	10	appears	appear	VERB
fsr-3198	70	11	the	the	DET
fsr-3198	70	12	surviving	surviving	NOUN
fsr-3198	70	13	spouse	spouse	NOUN
fsr-3198	70	14	will	will	AUX
fsr-3198	70	15	not	not	PART
fsr-3198	70	16	financial	financial	ADJ
fsr-3198	70	17	services	service	NOUN
fsr-3198	70	18	review	review	VERB
fsr-3198	70	19	23	23	NUM
fsr-3198	70	20	(	(	PUNCT
fsr-3198	70	21	2014	2014	NUM
fsr-3198	70	22	)	)	PUNCT
fsr-3198	70	23	v	v	NOUN
fsr-3198	70	24	–	–	PUNCT
fsr-3198	70	25	vi	vi	NOUN
fsr-3198	70	26	1057	1057	NUM
fsr-3198	70	27	-	-	SYM
fsr-3198	70	28	0810/14/$	0810/14/$	NUM
fsr-3198	70	29	–	–	PUNCT
fsr-3198	70	30	see	see	VERB
fsr-3198	70	31	front	front	ADJ
fsr-3198	70	32	matter	matter	NOUN
fsr-3198	70	33	©	©	PROPN
fsr-3198	70	34	2014	2014	NUM
fsr-3198	70	35	academy	academy	NOUN
fsr-3198	70	36	of	of	ADP
fsr-3198	70	37	financial	financial	ADJ
fsr-3198	70	38	services	service	NOUN
fsr-3198	70	39	.	.	PUNCT
fsr-3198	71	1	all	all	DET
fsr-3198	71	2	rights	right	NOUN
fsr-3198	71	3	reserved	reserve	VERB
fsr-3198	71	4	.	.	PUNCT
fsr-3198	72	1	remarry	remarry	PROPN
fsr-3198	72	2	,	,	PUNCT
fsr-3198	72	3	however	however	ADV
fsr-3198	72	4	,	,	PUNCT
fsr-3198	72	5	it	it	PRON
fsr-3198	72	6	becomes	become	VERB
fsr-3198	72	7	much	much	ADV
fsr-3198	72	8	more	more	ADV
fsr-3198	72	9	complicated	complicated	ADJ
fsr-3198	72	10	if	if	SCONJ
fsr-3198	72	11	the	the	DET
fsr-3198	72	12	surviving	surviving	NOUN
fsr-3198	72	13	spouse	spouse	NOUN
fsr-3198	72	14	should	should	AUX
fsr-3198	72	15	remarry	remarry	VERB
fsr-3198	72	16	.	.	PUNCT
fsr-3198	73	1	the	the	DET
fsr-3198	73	2	authors	author	NOUN
fsr-3198	73	3	provide	provide	VERB
fsr-3198	73	4	an	an	DET
fsr-3198	73	5	interesting	interesting	ADJ
fsr-3198	73	6	explanation	explanation	NOUN
fsr-3198	73	7	,	,	PUNCT
fsr-3198	73	8	along	along	ADP
fsr-3198	73	9	with	with	ADP
fsr-3198	73	10	examples	example	NOUN
fsr-3198	73	11	and	and	CCONJ
fsr-3198	73	12	an	an	DET
fsr-3198	73	13	excel	excel	NOUN
fsr-3198	73	14	application	application	NOUN
fsr-3198	73	15	model	model	NOUN
fsr-3198	73	16	developed	develop	VERB
fsr-3198	73	17	for	for	ADP
fsr-3198	73	18	use	use	NOUN
fsr-3198	73	19	in	in	ADP
fsr-3198	73	20	the	the	DET
fsr-3198	73	21	academic	academic	ADJ
fsr-3198	73	22	environment	environment	NOUN
fsr-3198	73	23	.	.	PUNCT
fsr-3198	73	24	.	.	PUNCT
fsr-3198	74	1	the	the	DET
fsr-3198	74	2	fourth	fourth	ADJ
fsr-3198	74	3	article	article	NOUN
fsr-3198	74	4	,	,	PUNCT
fsr-3198	74	5	“	"	PUNCT
fsr-3198	74	6	does	do	VERB
fsr-3198	74	7	active	active	ADJ
fsr-3198	74	8	management	management	NOUN
fsr-3198	74	9	work	work	NOUN
fsr-3198	74	10	?	?	PUNCT
fsr-3198	75	1	evidence	evidence	NOUN
fsr-3198	75	2	from	from	ADP
fsr-3198	75	3	equity	equity	NOUN
fsr-3198	75	4	sector	sector	NOUN
fsr-3198	75	5	funds	fund	NOUN
fsr-3198	75	6	’	'	PUNCT
fsr-3198	75	7	”	"	PUNCT
fsr-3198	75	8	by	by	ADP
fsr-3198	75	9	crystal	crystal	PROPN
fsr-3198	75	10	y.	y.	PROPN
fsr-3198	75	11	lin	lin	PROPN
fsr-3198	75	12	at	at	ADP
fsr-3198	75	13	eastern	eastern	PROPN
fsr-3198	75	14	illinois	illinois	PROPN
fsr-3198	75	15	university	university	PROPN
fsr-3198	75	16	,	,	PUNCT
fsr-3198	75	17	in	in	ADP
fsr-3198	75	18	this	this	DET
fsr-3198	75	19	research	research	NOUN
fsr-3198	75	20	,	,	PUNCT
fsr-3198	75	21	the	the	DET
fsr-3198	75	22	author	author	NOUN
fsr-3198	75	23	presents	present	VERB
fsr-3198	75	24	evidence	evidence	NOUN
fsr-3198	75	25	that	that	SCONJ
fsr-3198	75	26	equity	equity	NOUN
fsr-3198	75	27	sector	sector	NOUN
fsr-3198	75	28	mutual	mutual	ADJ
fsr-3198	75	29	funds	fund	NOUN
fsr-3198	75	30	,	,	PUNCT
fsr-3198	75	31	the	the	DET
fsr-3198	75	32	nine	nine	NUM
fsr-3198	75	33	fidelity	fidelity	NOUN
fsr-3198	75	34	select	select	ADJ
fsr-3198	75	35	portfolios	portfolio	NOUN
fsr-3198	75	36	,	,	PUNCT
fsr-3198	75	37	have	have	AUX
fsr-3198	75	38	provided	provide	VERB
fsr-3198	75	39	better	well	ADJ
fsr-3198	75	40	after	after	ADP
fsr-3198	75	41	-	-	PUNCT
fsr-3198	75	42	expense	expense	NOUN
fsr-3198	75	43	returns	return	NOUN
fsr-3198	75	44	against	against	ADP
fsr-3198	75	45	broader	broad	ADJ
fsr-3198	75	46	market	market	NOUN
fsr-3198	75	47	etf	etf	NOUN
fsr-3198	75	48	,	,	PUNCT
fsr-3198	75	49	spy	spy	NOUN
fsr-3198	75	50	,	,	PUNCT
fsr-3198	75	51	and	and	CCONJ
fsr-3198	75	52	their	their	PRON
fsr-3198	75	53	peer	peer	NOUN
fsr-3198	75	54	sector	sector	NOUN
fsr-3198	75	55	etfs	etfs	NOUN
fsr-3198	75	56	,	,	PUNCT
fsr-3198	75	57	the	the	DET
fsr-3198	75	58	nine	nine	NUM
fsr-3198	75	59	select	select	ADJ
fsr-3198	75	60	sector	sector	NOUN
fsr-3198	75	61	spdr	spdr	NOUN
fsr-3198	75	62	funds	fund	NOUN
fsr-3198	75	63	,	,	PUNCT
fsr-3198	75	64	over	over	ADP
fsr-3198	75	65	the	the	DET
fsr-3198	75	66	sample	sample	NOUN
fsr-3198	75	67	period	period	NOUN
fsr-3198	75	68	1999	1999	NUM
fsr-3198	75	69	-2010	-2010	NOUN
fsr-3198	75	70	.	.	PUNCT
fsr-3198	76	1	not	not	PART
fsr-3198	76	2	only	only	ADV
fsr-3198	76	3	do	do	AUX
fsr-3198	76	4	they	they	PRON
fsr-3198	76	5	achieve	achieve	VERB
fsr-3198	76	6	higher	high	ADJ
fsr-3198	76	7	nominal	nominal	ADJ
fsr-3198	76	8	returns	return	NOUN
fsr-3198	76	9	over	over	ADP
fsr-3198	76	10	the	the	DET
fsr-3198	76	11	twelve	twelve	NUM
fsr-3198	76	12	years	year	NOUN
fsr-3198	76	13	,	,	PUNCT
fsr-3198	76	14	some	some	PRON
fsr-3198	76	15	of	of	ADP
fsr-3198	76	16	the	the	DET
fsr-3198	76	17	funds	fund	NOUN
fsr-3198	76	18	also	also	ADV
fsr-3198	76	19	generate	generate	VERB
fsr-3198	76	20	higher	high	ADJ
fsr-3198	76	21	risk	risk	NOUN
fsr-3198	76	22	-	-	PUNCT
fsr-3198	76	23	adjusted	adjust	VERB
fsr-3198	76	24	returns	return	NOUN
fsr-3198	76	25	measured	measure	VERB
fsr-3198	76	26	by	by	ADP
fsr-3198	76	27	sharpe	sharpe	PROPN
fsr-3198	76	28	ratio	ratio	NOUN
fsr-3198	76	29	and	and	CCONJ
fsr-3198	76	30	alpha	alpha	NOUN
fsr-3198	76	31	from	from	ADP
fsr-3198	76	32	various	various	ADJ
fsr-3198	76	33	asset	asset	NOUN
fsr-3198	76	34	pricing	pricing	NOUN
fsr-3198	76	35	models	model	NOUN
fsr-3198	76	36	.	.	PUNCT
fsr-3198	77	1	none	none	NOUN
fsr-3198	77	2	of	of	ADP
fsr-3198	77	3	the	the	DET
fsr-3198	77	4	sector	sector	NOUN
fsr-3198	77	5	mutual	mutual	ADJ
fsr-3198	77	6	funds	fund	NOUN
fsr-3198	77	7	generates	generate	VERB
fsr-3198	77	8	a	a	DET
fsr-3198	77	9	significant	significant	ADJ
fsr-3198	77	10	negative	negative	ADJ
fsr-3198	77	11	alpha	alpha	NOUN
fsr-3198	77	12	for	for	ADP
fsr-3198	77	13	the	the	DET
fsr-3198	77	14	sample	sample	NOUN
fsr-3198	77	15	period	period	NOUN
fsr-3198	77	16	for	for	ADP
fsr-3198	77	17	all	all	DET
fsr-3198	77	18	asset	asset	NOUN
fsr-3198	77	19	pricing	pricing	NOUN
fsr-3198	77	20	models	model	NOUN
fsr-3198	77	21	.	.	PUNCT
fsr-3198	78	1	the	the	DET
fsr-3198	78	2	final	final	ADJ
fsr-3198	78	3	article	article	NOUN
fsr-3198	78	4	,	,	PUNCT
fsr-3198	78	5	“	"	PUNCT
fsr-3198	78	6	investor	investor	NOUN
fsr-3198	78	7	profiles	profile	NOUN
fsr-3198	78	8	:	:	PUNCT
fsr-3198	78	9	meaningful	meaningful	ADJ
fsr-3198	78	10	differences	difference	NOUN
fsr-3198	78	11	in	in	ADP
fsr-3198	78	12	women	woman	NOUN
fsr-3198	78	13	’s	’s	PART
fsr-3198	78	14	use	use	NOUN
fsr-3198	78	15	of	of	ADP
fsr-3198	78	16	investment	investment	NOUN
fsr-3198	78	17	advice	advice	NOUN
fsr-3198	78	18	,	,	PUNCT
fsr-3198	78	19	”	"	PUNCT
fsr-3198	78	20	by	by	ADP
fsr-3198	78	21	kathryn	kathryn	PROPN
fsr-3198	78	22	simms	simms	PROPN
fsr-3198	78	23	at	at	ADP
fsr-3198	78	24	old	old	ADJ
fsr-3198	78	25	dominion	dominion	NOUN
fsr-3198	78	26	university	university	NOUN
fsr-3198	78	27	.	.	PUNCT
fsr-3198	79	1	u.s	u.s	PROPN
fsr-3198	79	2	.	.	PROPN
fsr-3198	79	3	women	woman	NOUN
fsr-3198	79	4	face	face	VERB
fsr-3198	79	5	numerous	numerous	ADJ
fsr-3198	79	6	financial	financial	ADJ
fsr-3198	79	7	challenges	challenge	NOUN
fsr-3198	79	8	,	,	PUNCT
fsr-3198	79	9	they	they	PRON
fsr-3198	79	10	typically	typically	ADV
fsr-3198	79	11	earn	earn	VERB
fsr-3198	79	12	less	less	ADJ
fsr-3198	79	13	than	than	SCONJ
fsr-3198	79	14	men	man	NOUN
fsr-3198	79	15	do	do	VERB
fsr-3198	79	16	;	;	PUNCT
fsr-3198	79	17	they	they	PRON
fsr-3198	79	18	have	have	VERB
fsr-3198	79	19	greater	great	ADJ
fsr-3198	79	20	probabilities	probability	NOUN
fsr-3198	79	21	of	of	ADP
fsr-3198	79	22	living	live	VERB
fsr-3198	79	23	in	in	ADP
fsr-3198	79	24	poverty	poverty	NOUN
fsr-3198	79	25	;	;	PUNCT
fsr-3198	79	26	and	and	CCONJ
fsr-3198	79	27	they	they	PRON
fsr-3198	79	28	need	need	VERB
fsr-3198	79	29	substantial	substantial	ADJ
fsr-3198	79	30	retirement	retirement	NOUN
fsr-3198	79	31	funds	fund	NOUN
fsr-3198	79	32	,	,	PUNCT
fsr-3198	79	33	given	give	VERB
fsr-3198	79	34	their	their	PRON
fsr-3198	79	35	average	average	ADJ
fsr-3198	79	36	longevity	longevity	NOUN
fsr-3198	79	37	.	.	PUNCT
fsr-3198	80	1	the	the	DET
fsr-3198	80	2	author	author	NOUN
fsr-3198	80	3	investigates	investigate	VERB
fsr-3198	80	4	how	how	SCONJ
fsr-3198	80	5	women	woman	NOUN
fsr-3198	80	6	use	use	VERB
fsr-3198	80	7	investment	investment	NOUN
fsr-3198	80	8	advice	advice	NOUN
fsr-3198	80	9	to	to	PART
fsr-3198	80	10	remedy	remedy	VERB
fsr-3198	80	11	these	these	DET
fsr-3198	80	12	challenges	challenge	NOUN
fsr-3198	80	13	.	.	PUNCT
fsr-3198	81	1	this	this	DET
fsr-3198	81	2	article	article	NOUN
fsr-3198	81	3	fills	fill	VERB
fsr-3198	81	4	the	the	DET
fsr-3198	81	5	gap	gap	NOUN
fsr-3198	81	6	in	in	ADP
fsr-3198	81	7	the	the	DET
fsr-3198	81	8	literature	literature	NOUN
fsr-3198	81	9	by	by	ADP
fsr-3198	81	10	evaluating	evaluate	VERB
fsr-3198	81	11	two	two	NUM
fsr-3198	81	12	profiles	profile	NOUN
fsr-3198	81	13	of	of	ADP
fsr-3198	81	14	female	female	ADJ
fsr-3198	81	15	investors	investor	NOUN
fsr-3198	81	16	through	through	ADP
fsr-3198	81	17	cluster	cluster	NOUN
fsr-3198	81	18	analysis	analysis	NOUN
fsr-3198	81	19	and	and	CCONJ
fsr-3198	81	20	logistic	logistic	ADJ
fsr-3198	81	21	regression	regression	NOUN
fsr-3198	81	22	conducted	conduct	VERB
fsr-3198	81	23	on	on	ADP
fsr-3198	81	24	a	a	DET
fsr-3198	81	25	large	large	ADJ
fsr-3198	81	26	,	,	PUNCT
fsr-3198	81	27	nationally	nationally	ADV
fsr-3198	81	28	representative	representative	ADJ
fsr-3198	81	29	database	database	NOUN
fsr-3198	81	30	.	.	PUNCT
fsr-3198	82	1	she	she	PRON
fsr-3198	82	2	finds	find	VERB
fsr-3198	82	3	that	that	SCONJ
fsr-3198	82	4	predictors	predictor	NOUN
fsr-3198	82	5	of	of	ADP
fsr-3198	82	6	female	female	ADJ
fsr-3198	82	7	investors	investor	NOUN
fsr-3198	82	8	seeking	seek	VERB
fsr-3198	82	9	investment	investment	NOUN
fsr-3198	82	10	advice	advice	NOUN
fsr-3198	82	11	vary	vary	VERB
fsr-3198	82	12	considerably	considerably	ADV
fsr-3198	82	13	across	across	ADP
fsr-3198	82	14	profiles	profile	NOUN
fsr-3198	82	15	.	.	PUNCT
fsr-3198	83	1	i	i	PRON
fsr-3198	83	2	would	would	AUX
fsr-3198	83	3	like	like	VERB
fsr-3198	83	4	to	to	PART
fsr-3198	83	5	send	send	VERB
fsr-3198	83	6	a	a	DET
fsr-3198	83	7	special	special	ADJ
fsr-3198	83	8	thank	thank	NOUN
fsr-3198	83	9	you	you	PRON
fsr-3198	83	10	to	to	ADP
fsr-3198	83	11	the	the	DET
fsr-3198	83	12	many	many	ADJ
fsr-3198	83	13	reviewers	reviewer	NOUN
fsr-3198	83	14	that	that	PRON
fsr-3198	83	15	have	have	AUX
fsr-3198	83	16	significantly	significantly	ADV
fsr-3198	83	17	contributed	contribute	VERB
fsr-3198	83	18	to	to	ADP
fsr-3198	83	19	the	the	DET
fsr-3198	83	20	quality	quality	NOUN
fsr-3198	83	21	of	of	ADP
fsr-3198	83	22	our	our	PRON
fsr-3198	83	23	journal	journal	NOUN
fsr-3198	83	24	by	by	ADP
fsr-3198	83	25	providing	provide	VERB
fsr-3198	83	26	timely	timely	ADJ
fsr-3198	83	27	and	and	CCONJ
fsr-3198	83	28	thorough	thorough	ADJ
fsr-3198	83	29	reviews	review	NOUN
fsr-3198	83	30	of	of	ADP
fsr-3198	83	31	the	the	DET
fsr-3198	83	32	submissions	submission	NOUN
fsr-3198	83	33	to	to	ADP
fsr-3198	83	34	our	our	PRON
fsr-3198	83	35	journal	journal	NOUN
fsr-3198	83	36	.	.	PUNCT
fsr-3198	84	1	thanks	thank	NOUN
fsr-3198	84	2	to	to	ADP
fsr-3198	84	3	those	those	PRON
fsr-3198	84	4	who	who	PRON
fsr-3198	84	5	make	make	VERB
fsr-3198	84	6	the	the	DET
fsr-3198	84	7	journal	journal	NOUN
fsr-3198	84	8	possible	possible	ADJ
fsr-3198	84	9	,	,	PUNCT
fsr-3198	84	10	especially	especially	ADV
fsr-3198	84	11	the	the	DET
fsr-3198	84	12	referees	referee	NOUN
fsr-3198	84	13	and	and	CCONJ
fsr-3198	84	14	contributing	contribute	VERB
fsr-3198	84	15	authors	author	NOUN
fsr-3198	84	16	.	.	PUNCT
fsr-3198	85	1	please	please	INTJ
fsr-3198	85	2	consider	consider	VERB
fsr-3198	85	3	submission	submission	NOUN
fsr-3198	85	4	to	to	ADP
fsr-3198	85	5	the	the	DET
fsr-3198	85	6	financial	financial	ADJ
fsr-3198	85	7	services	service	NOUN
fsr-3198	85	8	review	review	NOUN
fsr-3198	85	9	and	and	CCONJ
fsr-3198	85	10	rely	rely	VERB
fsr-3198	85	11	on	on	ADP
fsr-3198	85	12	the	the	DET
fsr-3198	85	13	style	style	NOUN
fsr-3198	85	14	information	information	NOUN
fsr-3198	85	15	provided	provide	VERB
fsr-3198	85	16	to	to	PART
fsr-3198	85	17	ease	ease	VERB
fsr-3198	85	18	readability	readability	NOUN
fsr-3198	85	19	and	and	CCONJ
fsr-3198	85	20	streamline	streamline	VERB
fsr-3198	85	21	the	the	DET
fsr-3198	85	22	review	review	NOUN
fsr-3198	85	23	process	process	NOUN
fsr-3198	85	24	.	.	PUNCT
fsr-3198	86	1	the	the	DET
fsr-3198	86	2	journal	journal	NOUN
fsr-3198	86	3	welcomes	welcome	VERB
fsr-3198	86	4	articles	article	NOUN
fsr-3198	86	5	over	over	ADP
fsr-3198	86	6	the	the	DET
fsr-3198	86	7	range	range	NOUN
fsr-3198	86	8	of	of	ADP
fsr-3198	86	9	areas	area	NOUN
fsr-3198	86	10	that	that	PRON
fsr-3198	86	11	comprise	comprise	VERB
fsr-3198	86	12	personal	personal	ADJ
fsr-3198	86	13	financial	financial	ADJ
fsr-3198	86	14	planning	planning	NOUN
fsr-3198	86	15	.	.	PUNCT
fsr-3198	87	1	while	while	SCONJ
fsr-3198	87	2	fsr	fsr	PROPN
fsr-3198	87	3	articles	article	NOUN
fsr-3198	87	4	are	be	AUX
fsr-3198	87	5	certainly	certainly	ADV
fsr-3198	87	6	diverse	diverse	ADJ
fsr-3198	87	7	in	in	ADP
fsr-3198	87	8	terms	term	NOUN
fsr-3198	87	9	of	of	ADP
fsr-3198	87	10	topic	topic	NOUN
fsr-3198	87	11	,	,	PUNCT
fsr-3198	87	12	data	datum	NOUN
fsr-3198	87	13	,	,	PUNCT
fsr-3198	87	14	and	and	CCONJ
fsr-3198	87	15	method	method	NOUN
fsr-3198	87	16	,	,	PUNCT
fsr-3198	87	17	they	they	PRON
fsr-3198	87	18	are	be	AUX
fsr-3198	87	19	focused	focus	VERB
fsr-3198	87	20	in	in	ADP
fsr-3198	87	21	terms	term	NOUN
fsr-3198	87	22	of	of	ADP
fsr-3198	87	23	motivation	motivation	NOUN
fsr-3198	87	24	.	.	PUNCT
fsr-3198	88	1	fsr	fsr	PROPN
fsr-3198	88	2	exists	exist	VERB
fsr-3198	88	3	to	to	PART
fsr-3198	88	4	produce	produce	VERB
fsr-3198	88	5	research	research	NOUN
fsr-3198	88	6	that	that	PRON
fsr-3198	88	7	addresses	address	VERB
fsr-3198	88	8	issues	issue	NOUN
fsr-3198	88	9	that	that	PRON
fsr-3198	88	10	matter	matter	VERB
fsr-3198	88	11	to	to	ADP
fsr-3198	88	12	individuals	individual	NOUN
fsr-3198	88	13	.	.	PUNCT
fsr-3198	89	1	i	i	PRON
fsr-3198	89	2	remain	remain	VERB
fsr-3198	89	3	committed	committed	ADJ
fsr-3198	89	4	to	to	ADP
fsr-3198	89	5	the	the	DET
fsr-3198	89	6	goal	goal	NOUN
fsr-3198	89	7	of	of	ADP
fsr-3198	89	8	making	make	VERB
fsr-3198	89	9	financial	financial	ADJ
fsr-3198	89	10	services	service	NOUN
fsr-3198	89	11	review	review	VERB
fsr-3198	89	12	the	the	DET
fsr-3198	89	13	best	good	ADJ
fsr-3198	89	14	academic	academic	ADJ
fsr-3198	89	15	journal	journal	NOUN
fsr-3198	89	16	in	in	ADP
fsr-3198	89	17	individual	individual	ADJ
fsr-3198	89	18	financial	financial	ADJ
fsr-3198	89	19	management	management	NOUN
fsr-3198	89	20	and	and	CCONJ
fsr-3198	89	21	personal	personal	ADJ
fsr-3198	89	22	financial	financial	ADJ
fsr-3198	89	23	planning	planning	NOUN
fsr-3198	89	24	.	.	PUNCT
fsr-3198	90	1	best	good	ADJ
fsr-3198	90	2	regards	regard	VERB
fsr-3198	90	3	,	,	PUNCT
fsr-3198	90	4	stuart	stuart	PROPN
fsr-3198	90	5	michelson	michelson	PROPN
fsr-3198	90	6	editor	editor	PROPN
fsr-3198	90	7	financial	financial	PROPN
fsr-3198	90	8	services	services	PROPN
fsr-3198	90	9	review	review	VERB
fsr-3198	90	10	vi	vi	PROPN
fsr-3198	90	11	editorial	editorial	NOUN
fsr-3198	90	12	/	/	SYM
fsr-3198	90	13	financial	financial	ADJ
fsr-3198	90	14	services	service	NOUN
fsr-3198	90	15	review	review	VERB
fsr-3198	90	16	23	23	NUM
fsr-3198	90	17	(	(	PUNCT
fsr-3198	90	18	2014	2014	NUM
fsr-3198	90	19	)	)	PUNCT
fsr-3198	90	20	v	v	NOUN
fsr-3198	90	21	–	–	PUNCT
fsr-3198	90	22	vi	vi	NOUN