id	sid	tid	token	lemma	pos
fsr-3202	1	1	from	from	ADP
fsr-3202	1	2	the	the	DET
fsr-3202	1	3	editor	editor	NOUN
fsr-3202	1	4	this	this	DET
fsr-3202	1	5	issue	issue	NOUN
fsr-3202	1	6	contains	contain	VERB
fsr-3202	1	7	issue	issue	NOUN
fsr-3202	1	8	4	4	NUM
fsr-3202	1	9	of	of	ADP
fsr-3202	1	10	volume	volume	NOUN
fsr-3202	1	11	23	23	NUM
fsr-3202	1	12	of	of	ADP
fsr-3202	1	13	financial	financial	ADJ
fsr-3202	1	14	services	service	NOUN
fsr-3202	1	15	review	review	NOUN
fsr-3202	1	16	(	(	PUNCT
fsr-3202	1	17	fsr	fsr	PROPN
fsr-3202	1	18	)	)	PUNCT
fsr-3202	1	19	.	.	PUNCT
fsr-3202	2	1	i	i	PRON
fsr-3202	2	2	would	would	AUX
fsr-3202	2	3	like	like	VERB
fsr-3202	2	4	to	to	PART
fsr-3202	2	5	thank	thank	VERB
fsr-3202	2	6	the	the	DET
fsr-3202	2	7	board	board	NOUN
fsr-3202	2	8	and	and	CCONJ
fsr-3202	2	9	members	member	NOUN
fsr-3202	2	10	of	of	ADP
fsr-3202	2	11	the	the	DET
fsr-3202	2	12	academy	academy	NOUN
fsr-3202	2	13	of	of	ADP
fsr-3202	2	14	financial	financial	ADJ
fsr-3202	2	15	services	service	NOUN
fsr-3202	2	16	for	for	ADP
fsr-3202	2	17	their	their	PRON
fsr-3202	2	18	continued	continue	VERB
fsr-3202	2	19	support	support	NOUN
fsr-3202	2	20	.	.	PUNCT
fsr-3202	3	1	i	i	PRON
fsr-3202	3	2	continue	continue	VERB
fsr-3202	3	3	to	to	PART
fsr-3202	3	4	work	work	VERB
fsr-3202	3	5	in	in	ADP
fsr-3202	3	6	broadening	broaden	VERB
fsr-3202	3	7	the	the	DET
fsr-3202	3	8	scope	scope	NOUN
fsr-3202	3	9	of	of	ADP
fsr-3202	3	10	articles	article	NOUN
fsr-3202	3	11	,	,	PUNCT
fsr-3202	3	12	while	while	SCONJ
fsr-3202	3	13	still	still	ADV
fsr-3202	3	14	focusing	focus	VERB
fsr-3202	3	15	on	on	ADP
fsr-3202	3	16	individual	individual	ADJ
fsr-3202	3	17	financial	financial	ADJ
fsr-3202	3	18	management	management	NOUN
fsr-3202	3	19	and	and	CCONJ
fsr-3202	3	20	personal	personal	ADJ
fsr-3202	3	21	financial	financial	ADJ
fsr-3202	3	22	planning	planning	NOUN
fsr-3202	3	23	.	.	PUNCT
fsr-3202	4	1	i	i	PRON
fsr-3202	4	2	encourage	encourage	VERB
fsr-3202	4	3	authors	author	NOUN
fsr-3202	4	4	to	to	PART
fsr-3202	4	5	reach	reach	VERB
fsr-3202	4	6	out	out	ADP
fsr-3202	4	7	when	when	SCONJ
fsr-3202	4	8	discussing	discuss	VERB
fsr-3202	4	9	implications	implication	NOUN
fsr-3202	4	10	of	of	ADP
fsr-3202	4	11	their	their	PRON
fsr-3202	4	12	findings	finding	NOUN
fsr-3202	4	13	in	in	ADP
fsr-3202	4	14	a	a	DET
fsr-3202	4	15	more	more	ADV
fsr-3202	4	16	comprehensive	comprehensive	ADJ
fsr-3202	4	17	way	way	NOUN
fsr-3202	4	18	.	.	PUNCT
fsr-3202	5	1	as	as	SCONJ
fsr-3202	5	2	such	such	ADJ
fsr-3202	5	3	,	,	PUNCT
fsr-3202	5	4	all	all	DET
fsr-3202	5	5	articles	article	NOUN
fsr-3202	5	6	in	in	ADP
fsr-3202	5	7	the	the	DET
fsr-3202	5	8	journal	journal	NOUN
fsr-3202	5	9	more	more	ADV
fsr-3202	5	10	appropriately	appropriately	ADV
fsr-3202	5	11	relate	relate	VERB
fsr-3202	5	12	to	to	ADP
fsr-3202	5	13	financial	financial	ADJ
fsr-3202	5	14	planning	planning	NOUN
fsr-3202	5	15	issues	issue	NOUN
fsr-3202	5	16	.	.	PUNCT
fsr-3202	6	1	the	the	DET
fsr-3202	6	2	lead	lead	ADJ
fsr-3202	6	3	article	article	NOUN
fsr-3202	6	4	“	"	PUNCT
fsr-3202	6	5	boomers	boomer	NOUN
fsr-3202	6	6	’	'	PUNCT
fsr-3202	6	7	life	life	NOUN
fsr-3202	6	8	insurance	insurance	NOUN
fsr-3202	6	9	adequacy	adequacy	NOUN
fsr-3202	6	10	pre	pre	X
fsr-3202	6	11	&	&	CCONJ
fsr-3202	6	12	post	post	VERB
fsr-3202	6	13	the	the	DET
fsr-3202	6	14	2008	2008	NUM
fsr-3202	6	15	financial	financial	ADJ
fsr-3202	6	16	crisis	crisis	NOUN
fsr-3202	6	17	”	"	PUNCT
fsr-3202	6	18	is	be	AUX
fsr-3202	6	19	coauthored	coauthore	VERB
fsr-3202	6	20	by	by	ADP
fsr-3202	6	21	janine	janine	PROPN
fsr-3202	6	22	k.	k.	PROPN
fsr-3202	6	23	scott	scott	PROPN
fsr-3202	6	24	at	at	ADP
fsr-3202	6	25	massey	massey	PROPN
fsr-3202	6	26	university	university	PROPN
fsr-3202	6	27	and	and	CCONJ
fsr-3202	6	28	john	john	PROPN
fsr-3202	6	29	gilliam	gilliam	PROPN
fsr-3202	6	30	at	at	ADP
fsr-3202	6	31	texas	texas	PROPN
fsr-3202	6	32	tech	tech	PROPN
fsr-3202	6	33	university	university	PROPN
fsr-3202	6	34	.	.	PUNCT
fsr-3202	7	1	the	the	DET
fsr-3202	7	2	authors	author	NOUN
fsr-3202	7	3	use	use	VERB
fsr-3202	7	4	the	the	DET
fsr-3202	7	5	survey	survey	NOUN
fsr-3202	7	6	of	of	ADP
fsr-3202	7	7	consumer	consumer	NOUN
fsr-3202	7	8	finance	finance	NOUN
fsr-3202	7	9	to	to	PART
fsr-3202	7	10	examine	examine	VERB
fsr-3202	7	11	life	life	NOUN
fsr-3202	7	12	insurance	insurance	NOUN
fsr-3202	7	13	adequacy	adequacy	NOUN
fsr-3202	7	14	among	among	ADP
fsr-3202	7	15	boomers	boomer	NOUN
fsr-3202	7	16	before	before	ADP
fsr-3202	7	17	and	and	CCONJ
fsr-3202	7	18	after	after	ADP
fsr-3202	7	19	the	the	DET
fsr-3202	7	20	financial	financial	ADJ
fsr-3202	7	21	crisis	crisis	NOUN
fsr-3202	7	22	of	of	ADP
fsr-3202	7	23	2008	2008	NUM
fsr-3202	7	24	.	.	PUNCT
fsr-3202	8	1	they	they	PRON
fsr-3202	8	2	find	find	VERB
fsr-3202	8	3	a	a	DET
fsr-3202	8	4	significant	significant	ADJ
fsr-3202	8	5	difference	difference	NOUN
fsr-3202	8	6	in	in	ADP
fsr-3202	8	7	2010	2010	NUM
fsr-3202	8	8	between	between	ADP
fsr-3202	8	9	the	the	DET
fsr-3202	8	10	baby	baby	NOUN
fsr-3202	8	11	boomers	boomer	NOUN
fsr-3202	8	12	and	and	CCONJ
fsr-3202	8	13	the	the	DET
fsr-3202	8	14	senior	senior	ADJ
fsr-3202	8	15	generation	generation	NOUN
fsr-3202	8	16	in	in	ADP
fsr-3202	8	17	life	life	NOUN
fsr-3202	8	18	insurance	insurance	NOUN
fsr-3202	8	19	adequacy	adequacy	NOUN
fsr-3202	8	20	.	.	PUNCT
fsr-3202	9	1	variables	variable	NOUN
fsr-3202	9	2	related	relate	VERB
fsr-3202	9	3	to	to	ADP
fsr-3202	9	4	net	net	ADJ
fsr-3202	9	5	worth	worth	NOUN
fsr-3202	9	6	,	,	PUNCT
fsr-3202	9	7	such	such	ADJ
fsr-3202	9	8	as	as	ADP
fsr-3202	9	9	income	income	NOUN
fsr-3202	9	10	,	,	PUNCT
fsr-3202	9	11	marital	marital	ADJ
fsr-3202	9	12	status	status	NOUN
fsr-3202	9	13	,	,	PUNCT
fsr-3202	9	14	and	and	CCONJ
fsr-3202	9	15	self	self	NOUN
fsr-3202	9	16	-	-	PUNCT
fsr-3202	9	17	insurability	insurability	NOUN
fsr-3202	9	18	,	,	PUNCT
fsr-3202	9	19	were	be	AUX
fsr-3202	9	20	also	also	ADV
fsr-3202	9	21	significant	significant	ADJ
fsr-3202	9	22	predictors	predictor	NOUN
fsr-3202	9	23	of	of	ADP
fsr-3202	9	24	life	life	NOUN
fsr-3202	9	25	insurance	insurance	NOUN
fsr-3202	9	26	adequacy	adequacy	NOUN
fsr-3202	9	27	.	.	PUNCT
fsr-3202	10	1	they	they	PRON
fsr-3202	10	2	conclude	conclude	VERB
fsr-3202	10	3	that	that	SCONJ
fsr-3202	10	4	given	give	VERB
fsr-3202	10	5	greater	great	ADJ
fsr-3202	10	6	life	life	NOUN
fsr-3202	10	7	insurance	insurance	NOUN
fsr-3202	10	8	adequacy	adequacy	NOUN
fsr-3202	10	9	among	among	ADP
fsr-3202	10	10	those	those	PRON
fsr-3202	10	11	with	with	ADP
fsr-3202	10	12	higher	high	ADJ
fsr-3202	10	13	incomes	income	NOUN
fsr-3202	10	14	,	,	PUNCT
fsr-3202	10	15	it	it	PRON
fsr-3202	10	16	may	may	AUX
fsr-3202	10	17	be	be	AUX
fsr-3202	10	18	beneficial	beneficial	ADJ
fsr-3202	10	19	for	for	ADP
fsr-3202	10	20	those	those	PRON
fsr-3202	10	21	with	with	ADP
fsr-3202	10	22	mid	mid	ADJ
fsr-3202	10	23	to	to	ADP
fsr-3202	10	24	low	low	ADJ
fsr-3202	10	25	incomes	income	NOUN
fsr-3202	10	26	to	to	PART
fsr-3202	10	27	increase	increase	VERB
fsr-3202	10	28	the	the	DET
fsr-3202	10	29	level	level	NOUN
fsr-3202	10	30	of	of	ADP
fsr-3202	10	31	group	group	NOUN
fsr-3202	10	32	term	term	NOUN
fsr-3202	10	33	insurance	insurance	NOUN
fsr-3202	10	34	.	.	PUNCT
fsr-3202	11	1	the	the	DET
fsr-3202	11	2	second	second	ADJ
fsr-3202	11	3	article	article	NOUN
fsr-3202	11	4	“	"	PUNCT
fsr-3202	11	5	financial	financial	ADJ
fsr-3202	11	6	adviser	adviser	NOUN
fsr-3202	11	7	background	background	NOUN
fsr-3202	11	8	checks	check	NOUN
fsr-3202	11	9	’	'	PUNCT
fsr-3202	11	10	is	be	AUX
fsr-3202	11	11	coauthored	coauthore	VERB
fsr-3202	11	12	by	by	ADP
fsr-3202	11	13	bhanu	bhanu	PROPN
fsr-3202	11	14	balasubramnian	balasubramnian	PROPN
fsr-3202	11	15	,	,	PUNCT
fsr-3202	11	16	eric	eric	PROPN
fsr-3202	11	17	r	r	PROPN
fsr-3202	11	18	brisker	brisker	X
fsr-3202	11	19	,	,	PUNCT
fsr-3202	11	20	suzanne	suzanne	NOUN
fsr-3202	11	21	gradisher	gradisher	PROPN
fsr-3202	11	22	,	,	PUNCT
fsr-3202	11	23	all	all	PRON
fsr-3202	11	24	at	at	ADP
fsr-3202	11	25	the	the	DET
fsr-3202	11	26	university	university	PROPN
fsr-3202	11	27	of	of	ADP
fsr-3202	11	28	akron	akron	PROPN
fsr-3202	11	29	.	.	PUNCT
fsr-3202	12	1	using	use	VERB
fsr-3202	12	2	the	the	DET
fsr-3202	12	3	2009	2009	NUM
fsr-3202	12	4	national	national	ADJ
fsr-3202	12	5	financial	financial	ADJ
fsr-3202	12	6	capability	capability	NOUN
fsr-3202	12	7	survey	survey	NOUN
fsr-3202	12	8	,	,	PUNCT
fsr-3202	12	9	the	the	DET
fsr-3202	12	10	authors	author	NOUN
fsr-3202	12	11	identify	identify	VERB
fsr-3202	12	12	demographic	demographic	ADJ
fsr-3202	12	13	characteristics	characteristic	NOUN
fsr-3202	12	14	associated	associate	VERB
fsr-3202	12	15	with	with	ADP
fsr-3202	12	16	financial	financial	ADJ
fsr-3202	12	17	adviser	adviser	NOUN
fsr-3202	12	18	users	user	NOUN
fsr-3202	12	19	who	who	PRON
fsr-3202	12	20	conduct	conduct	VERB
fsr-3202	12	21	adviser	adviser	NOUN
fsr-3202	12	22	background	background	NOUN
fsr-3202	12	23	checks	check	NOUN
fsr-3202	12	24	and/or	and/or	CCONJ
fsr-3202	12	25	consider	consider	VERB
fsr-3202	12	26	more	more	ADJ
fsr-3202	12	27	than	than	ADP
fsr-3202	12	28	one	one	NUM
fsr-3202	12	29	adviser	adviser	NOUN
fsr-3202	12	30	before	before	ADP
fsr-3202	12	31	making	make	VERB
fsr-3202	12	32	a	a	DET
fsr-3202	12	33	choice	choice	NOUN
fsr-3202	12	34	in	in	ADP
fsr-3202	12	35	advisors	advisor	NOUN
fsr-3202	12	36	.	.	PUNCT
fsr-3202	13	1	they	they	PRON
fsr-3202	13	2	find	find	VERB
fsr-3202	13	3	that	that	SCONJ
fsr-3202	13	4	very	very	ADV
fsr-3202	13	5	few	few	ADJ
fsr-3202	13	6	financial	financial	ADJ
fsr-3202	13	7	adviser	adviser	NOUN
fsr-3202	13	8	users	user	NOUN
fsr-3202	13	9	check	check	VERB
fsr-3202	13	10	backgrounds	background	NOUN
fsr-3202	13	11	,	,	PUNCT
fsr-3202	13	12	but	but	CCONJ
fsr-3202	13	13	find	find	VERB
fsr-3202	13	14	a	a	DET
fsr-3202	13	15	positive	positive	ADJ
fsr-3202	13	16	relationship	relationship	NOUN
fsr-3202	13	17	between	between	ADP
fsr-3202	13	18	adviser	adviser	NOUN
fsr-3202	13	19	background	background	NOUN
fsr-3202	13	20	checks	check	NOUN
fsr-3202	13	21	and	and	CCONJ
fsr-3202	13	22	trust	trust	NOUN
fsr-3202	13	23	levels	level	NOUN
fsr-3202	13	24	.	.	PUNCT
fsr-3202	14	1	they	they	PRON
fsr-3202	14	2	conclude	conclude	VERB
fsr-3202	14	3	that	that	SCONJ
fsr-3202	14	4	having	have	VERB
fsr-3202	14	5	a	a	DET
fsr-3202	14	6	reliable	reliable	ADJ
fsr-3202	14	7	,	,	PUNCT
fsr-3202	14	8	easy	easy	ADJ
fsr-3202	14	9	,	,	PUNCT
fsr-3202	14	10	and	and	CCONJ
fsr-3202	14	11	efficient	efficient	ADJ
fsr-3202	14	12	background	background	NOUN
fsr-3202	14	13	check	check	NOUN
fsr-3202	14	14	process	process	NOUN
fsr-3202	14	15	in	in	ADP
fsr-3202	14	16	place	place	NOUN
fsr-3202	14	17	will	will	AUX
fsr-3202	14	18	help	help	VERB
fsr-3202	14	19	improve	improve	VERB
fsr-3202	14	20	trust	trust	NOUN
fsr-3202	14	21	in	in	ADP
fsr-3202	14	22	financial	financial	ADJ
fsr-3202	14	23	advisers	adviser	NOUN
fsr-3202	14	24	.	.	PUNCT
fsr-3202	15	1	the	the	DET
fsr-3202	15	2	third	third	ADJ
fsr-3202	15	3	article	article	NOUN
fsr-3202	15	4	,	,	PUNCT
fsr-3202	15	5	“	"	PUNCT
fsr-3202	15	6	wealth	wealth	NOUN
fsr-3202	15	7	and	and	CCONJ
fsr-3202	15	8	credit	credit	NOUN
fsr-3202	15	9	compliance	compliance	NOUN
fsr-3202	15	10	:	:	PUNCT
fsr-3202	15	11	does	do	AUX
fsr-3202	15	12	economic	economic	ADJ
fsr-3202	15	13	literacy	literacy	NOUN
fsr-3202	15	14	matter	matter	NOUN
fsr-3202	15	15	?	?	PUNCT
fsr-3202	15	16	”	"	PUNCT
fsr-3202	15	17	is	be	AUX
fsr-3202	15	18	coauthored	coauthore	VERB
fsr-3202	15	19	by	by	ADP
fsr-3202	15	20	celeste	celeste	PROPN
fsr-3202	15	21	varum	varum	PROPN
fsr-3202	15	22	and	and	CCONJ
fsr-3202	15	23	alla	alla	NOUN
fsr-3202	15	24	kolyban	kolyban	PROPN
fsr-3202	15	25	both	both	PRON
fsr-3202	15	26	at	at	ADP
fsr-3202	15	27	university	university	PROPN
fsr-3202	15	28	of	of	ADP
fsr-3202	15	29	aveiro	aveiro	PROPN
fsr-3202	15	30	,	,	PUNCT
fsr-3202	15	31	campus	campus	PROPN
fsr-3202	15	32	universitário	universitário	PROPN
fsr-3202	15	33	de	de	PROPN
fsr-3202	15	34	santiago	santiago	PROPN
fsr-3202	15	35	.	.	PUNCT
fsr-3202	16	1	the	the	DET
fsr-3202	16	2	authors	author	NOUN
fsr-3202	16	3	examine	examine	VERB
fsr-3202	16	4	the	the	DET
fsr-3202	16	5	influence	influence	NOUN
fsr-3202	16	6	of	of	ADP
fsr-3202	16	7	economic	economic	ADJ
fsr-3202	16	8	literacy	literacy	NOUN
fsr-3202	16	9	upon	upon	SCONJ
fsr-3202	16	10	individuals	individual	NOUN
fsr-3202	16	11	’	'	PUNCT
fsr-3202	16	12	over	over	ADP
fsr-3202	16	13	-	-	PUNCT
fsr-3202	16	14	indebtedness	indebtedness	NOUN
fsr-3202	16	15	and	and	CCONJ
fsr-3202	16	16	households	household	NOUN
fsr-3202	16	17	’	'	PUNCT
fsr-3202	16	18	wealth	wealth	NOUN
fsr-3202	16	19	.	.	PUNCT
fsr-3202	17	1	the	the	DET
fsr-3202	17	2	authors	author	NOUN
fsr-3202	17	3	propose	propose	VERB
fsr-3202	17	4	that	that	SCONJ
fsr-3202	17	5	a	a	DET
fsr-3202	17	6	lack	lack	NOUN
fsr-3202	17	7	of	of	ADP
fsr-3202	17	8	economic	economic	ADJ
fsr-3202	17	9	-	-	PUNCT
fsr-3202	17	10	financial	financial	ADJ
fsr-3202	17	11	knowledge	knowledge	NOUN
fsr-3202	17	12	may	may	AUX
fsr-3202	17	13	have	have	VERB
fsr-3202	17	14	detrimental	detrimental	ADJ
fsr-3202	17	15	consequences	consequence	NOUN
fsr-3202	17	16	,	,	PUNCT
fsr-3202	17	17	in	in	ADP
fsr-3202	17	18	particular	particular	ADJ
fsr-3202	17	19	reflected	reflect	VERB
fsr-3202	17	20	in	in	ADP
fsr-3202	17	21	higher	high	ADJ
fsr-3202	17	22	exposure	exposure	NOUN
fsr-3202	17	23	to	to	ADP
fsr-3202	17	24	credit	credit	NOUN
fsr-3202	17	25	and	and	CCONJ
fsr-3202	17	26	financial	financial	ADJ
fsr-3202	17	27	risk	risk	NOUN
fsr-3202	17	28	.	.	PUNCT
fsr-3202	18	1	the	the	DET
fsr-3202	18	2	authors	author	NOUN
fsr-3202	18	3	provide	provide	VERB
fsr-3202	18	4	evidence	evidence	NOUN
fsr-3202	18	5	of	of	ADP
fsr-3202	18	6	the	the	DET
fsr-3202	18	7	importance	importance	NOUN
fsr-3202	18	8	of	of	ADP
fsr-3202	18	9	financial	financial	ADJ
fsr-3202	18	10	literacy	literacy	NOUN
fsr-3202	18	11	in	in	ADP
fsr-3202	18	12	portugal	portugal	PROPN
fsr-3202	18	13	,	,	PUNCT
fsr-3202	18	14	for	for	ADP
fsr-3202	18	15	both	both	DET
fsr-3202	18	16	individuals	individual	NOUN
fsr-3202	18	17	’	'	PUNCT
fsr-3202	18	18	over	over	ADP
fsr-3202	18	19	-	-	PUNCT
fsr-3202	18	20	indebtedness	indebtedness	NOUN
fsr-3202	18	21	and	and	CCONJ
fsr-3202	18	22	household	household	NOUN
fsr-3202	18	23	wealth	wealth	NOUN
fsr-3202	18	24	.	.	PUNCT
fsr-3202	19	1	the	the	DET
fsr-3202	19	2	fourth	fourth	ADJ
fsr-3202	19	3	article	article	NOUN
fsr-3202	19	4	,	,	PUNCT
fsr-3202	19	5	“	"	PUNCT
fsr-3202	19	6	choosing	choose	VERB
fsr-3202	19	7	between	between	ADP
fsr-3202	19	8	value	value	NOUN
fsr-3202	19	9	and	and	CCONJ
fsr-3202	19	10	growth	growth	NOUN
fsr-3202	19	11	in	in	ADP
fsr-3202	19	12	mutual	mutual	ADJ
fsr-3202	19	13	fund	fund	NOUN
fsr-3202	19	14	investing	investing	NOUN
fsr-3202	19	15	’	'	PUNCT
fsr-3202	19	16	is	be	AUX
fsr-3202	19	17	coauthored	coauthore	VERB
fsr-3202	19	18	by	by	ADP
fsr-3202	19	19	glenn	glenn	PROPN
fsr-3202	19	20	pettengill	pettengill	PROPN
fsr-3202	19	21	at	at	ADP
fsr-3202	19	22	grand	grand	PROPN
fsr-3202	19	23	valley	valley	PROPN
fsr-3202	19	24	state	state	PROPN
fsr-3202	19	25	university	university	PROPN
fsr-3202	19	26	,	,	PUNCT
fsr-3202	19	27	george	george	PROPN
fsr-3202	19	28	chang	chang	PROPN
fsr-3202	19	29	at	at	ADP
fsr-3202	19	30	grand	grand	PROPN
fsr-3202	19	31	valley	valley	PROPN
fsr-3202	19	32	state	state	PROPN
fsr-3202	19	33	university	university	PROPN
fsr-3202	19	34	,	,	PUNCT
fsr-3202	19	35	and	and	CCONJ
fsr-3202	19	36	c.	c.	PROPN
fsr-3202	19	37	james	james	PROPN
fsr-3202	19	38	hueng	hueng	PROPN
fsr-3202	19	39	,	,	PUNCT
fsr-3202	19	40	at	at	ADP
fsr-3202	19	41	western	western	PROPN
fsr-3202	19	42	michigan	michigan	PROPN
fsr-3202	19	43	university	university	PROPN
fsr-3202	19	44	.	.	PUNCT
fsr-3202	20	1	the	the	DET
fsr-3202	20	2	authors	author	NOUN
fsr-3202	20	3	investigate	investigate	VERB
fsr-3202	20	4	investor	investor	NOUN
fsr-3202	20	5	’s	’s	PART
fsr-3202	20	6	choices	choice	NOUN
fsr-3202	20	7	between	between	ADP
fsr-3202	20	8	value	value	NOUN
fsr-3202	20	9	and	and	CCONJ
fsr-3202	20	10	growth	growth	NOUN
fsr-3202	20	11	mutual	mutual	ADJ
fsr-3202	20	12	funds	fund	NOUN
fsr-3202	20	13	.	.	PUNCT
fsr-3202	21	1	they	they	PRON
fsr-3202	21	2	indicate	indicate	VERB
fsr-3202	21	3	that	that	SCONJ
fsr-3202	21	4	the	the	DET
fsr-3202	21	5	value	value	NOUN
fsr-3202	21	6	premium	premium	NOUN
fsr-3202	21	7	demonstrates	demonstrate	VERB
fsr-3202	21	8	that	that	SCONJ
fsr-3202	21	9	value	value	NOUN
fsr-3202	21	10	securities	security	NOUN
fsr-3202	21	11	outperform	outperform	VERB
fsr-3202	21	12	growth	growth	NOUN
fsr-3202	21	13	securities	security	NOUN
fsr-3202	21	14	,	,	PUNCT
fsr-3202	21	15	suggesting	suggest	VERB
fsr-3202	21	16	that	that	SCONJ
fsr-3202	21	17	an	an	DET
fsr-3202	21	18	investor	investor	NOUN
fsr-3202	21	19	should	should	AUX
fsr-3202	21	20	choose	choose	VERB
fsr-3202	21	21	value	value	NOUN
fsr-3202	21	22	funds	fund	NOUN
fsr-3202	21	23	.	.	PUNCT
fsr-3202	22	1	alternatively	alternatively	ADV
fsr-3202	22	2	,	,	PUNCT
fsr-3202	22	3	existing	exist	VERB
fsr-3202	22	4	studies	study	NOUN
fsr-3202	22	5	suggest	suggest	VERB
fsr-3202	22	6	that	that	SCONJ
fsr-3202	22	7	growth	growth	NOUN
fsr-3202	22	8	funds	fund	NOUN
fsr-3202	22	9	outperform	outperform	ADJ
fsr-3202	22	10	value	value	NOUN
fsr-3202	22	11	funds	fund	NOUN
fsr-3202	22	12	.	.	PUNCT
fsr-3202	23	1	the	the	DET
fsr-3202	23	2	authors	author	NOUN
fsr-3202	23	3	show	show	VERB
fsr-3202	23	4	that	that	SCONJ
fsr-3202	23	5	value	value	NOUN
fsr-3202	23	6	funds	fund	NOUN
fsr-3202	23	7	indeed	indeed	ADV
fsr-3202	23	8	outperform	outperform	VERB
fsr-3202	23	9	growth	growth	NOUN
fsr-3202	23	10	funds	fund	NOUN
fsr-3202	23	11	especially	especially	ADV
fsr-3202	23	12	in	in	ADP
fsr-3202	23	13	terms	term	NOUN
fsr-3202	23	14	of	of	ADP
fsr-3202	23	15	lower	low	ADJ
fsr-3202	23	16	realized	realize	VERB
fsr-3202	23	17	risk	risk	NOUN
fsr-3202	23	18	and	and	CCONJ
fsr-3202	23	19	higher	high	ADJ
fsr-3202	23	20	realized	realize	VERB
fsr-3202	23	21	terminal	terminal	ADJ
fsr-3202	23	22	wealth	wealth	NOUN
fsr-3202	23	23	.	.	PUNCT
fsr-3202	24	1	the	the	DET
fsr-3202	24	2	authors	author	NOUN
fsr-3202	24	3	conclude	conclude	VERB
fsr-3202	24	4	that	that	SCONJ
fsr-3202	24	5	previous	previous	ADJ
fsr-3202	24	6	findings	finding	NOUN
fsr-3202	24	7	may	may	AUX
fsr-3202	24	8	result	result	VERB
fsr-3202	24	9	from	from	ADP
fsr-3202	24	10	a	a	DET
fsr-3202	24	11	bias	bias	NOUN
fsr-3202	24	12	against	against	ADP
fsr-3202	24	13	value	value	NOUN
fsr-3202	24	14	in	in	ADP
fsr-3202	24	15	some	some	DET
fsr-3202	24	16	multifactor	multifactor	NOUN
fsr-3202	24	17	models	model	NOUN
fsr-3202	24	18	.	.	PUNCT
fsr-3202	25	1	the	the	DET
fsr-3202	25	2	final	final	ADJ
fsr-3202	25	3	article	article	NOUN
fsr-3202	25	4	,	,	PUNCT
fsr-3202	25	5	“	"	PUNCT
fsr-3202	25	6	low	low	ADJ
fsr-3202	25	7	-	-	PUNCT
fsr-3202	25	8	beta	beta	NOUN
fsr-3202	25	9	investing	investing	NOUN
fsr-3202	25	10	with	with	ADP
fsr-3202	25	11	mutual	mutual	ADJ
fsr-3202	25	12	funds	fund	NOUN
fsr-3202	25	13	”	"	PUNCT
fsr-3202	25	14	is	be	AUX
fsr-3202	25	15	by	by	ADP
fsr-3202	25	16	david	david	PROPN
fsr-3202	25	17	nanigian	nanigian	PROPN
fsr-3202	25	18	at	at	ADP
fsr-3202	25	19	ph.d	ph.d	PROPN
fsr-3202	25	20	.	.	PUNCT
fsr-3202	26	1	financial	financial	PROPN
fsr-3202	26	2	services	service	NOUN
fsr-3202	26	3	review	review	VERB
fsr-3202	26	4	23	23	NUM
fsr-3202	26	5	(	(	PUNCT
fsr-3202	26	6	2014	2014	NUM
fsr-3202	26	7	)	)	PUNCT
fsr-3202	26	8	v	v	NOUN
fsr-3202	26	9	–	–	PUNCT
fsr-3202	26	10	vi	vi	NOUN
fsr-3202	26	11	1057	1057	NUM
fsr-3202	26	12	-	-	SYM
fsr-3202	26	13	0810/14/$	0810/14/$	NUM
fsr-3202	26	14	–	–	PUNCT
fsr-3202	26	15	see	see	VERB
fsr-3202	26	16	front	front	ADJ
fsr-3202	26	17	matter	matter	NOUN
fsr-3202	27	1	©	©	PROPN
fsr-3202	27	2	2014	2014	NUM
fsr-3202	27	3	academy	academy	NOUN
fsr-3202	27	4	of	of	ADP
fsr-3202	27	5	financial	financial	ADJ
fsr-3202	27	6	services	service	NOUN
fsr-3202	27	7	.	.	PUNCT
fsr-3202	28	1	all	all	DET
fsr-3202	28	2	rights	right	NOUN
fsr-3202	28	3	reserved	reserve	VERB
fsr-3202	28	4	.	.	PUNCT
fsr-3202	29	1	the	the	DET
fsr-3202	29	2	american	american	PROPN
fsr-3202	29	3	college	college	PROPN
fsr-3202	29	4	and	and	CCONJ
fsr-3202	29	5	penn	penn	PROPN
fsr-3202	29	6	state	state	PROPN
fsr-3202	29	7	university	university	PROPN
fsr-3202	29	8	.	.	PUNCT
fsr-3202	30	1	the	the	DET
fsr-3202	30	2	author	author	NOUN
fsr-3202	30	3	states	state	VERB
fsr-3202	30	4	that	that	SCONJ
fsr-3202	30	5	empirical	empirical	ADJ
fsr-3202	30	6	research	research	NOUN
fsr-3202	30	7	has	have	AUX
fsr-3202	30	8	shown	show	VERB
fsr-3202	30	9	that	that	SCONJ
fsr-3202	30	10	investing	invest	VERB
fsr-3202	30	11	in	in	ADP
fsr-3202	30	12	low	low	ADJ
fsr-3202	30	13	-	-	PUNCT
fsr-3202	30	14	beta	beta	NOUN
fsr-3202	30	15	stocks	stock	NOUN
fsr-3202	30	16	can	can	AUX
fsr-3202	30	17	improve	improve	VERB
fsr-3202	30	18	the	the	DET
fsr-3202	30	19	mean	mean	ADJ
fsr-3202	30	20	-	-	PUNCT
fsr-3202	30	21	variance	variance	NOUN
fsr-3202	30	22	efficiency	efficiency	NOUN
fsr-3202	30	23	of	of	ADP
fsr-3202	30	24	an	an	DET
fsr-3202	30	25	investor	investor	NOUN
fsr-3202	30	26	’s	’s	PART
fsr-3202	30	27	portfolio	portfolio	NOUN
fsr-3202	30	28	.	.	PUNCT
fsr-3202	31	1	dr	dr	PROPN
fsr-3202	31	2	.	.	PROPN
fsr-3202	31	3	nanigian	nanigian	PROPN
fsr-3202	31	4	forms	form	NOUN
fsr-3202	31	5	portfolios	portfolio	NOUN
fsr-3202	31	6	of	of	ADP
fsr-3202	31	7	mutual	mutual	ADJ
fsr-3202	31	8	funds	fund	NOUN
fsr-3202	31	9	based	base	VERB
fsr-3202	31	10	on	on	ADP
fsr-3202	31	11	beta	beta	NOUN
fsr-3202	31	12	and	and	CCONJ
fsr-3202	31	13	examines	examine	VERB
fsr-3202	31	14	whether	whether	SCONJ
fsr-3202	31	15	mutual	mutual	ADJ
fsr-3202	31	16	fund	fund	NOUN
fsr-3202	31	17	investors	investor	NOUN
fsr-3202	31	18	can	can	AUX
fsr-3202	31	19	capitalize	capitalize	VERB
fsr-3202	31	20	on	on	ADP
fsr-3202	31	21	this	this	DET
fsr-3202	31	22	puzzle	puzzle	NOUN
fsr-3202	31	23	.	.	PUNCT
fsr-3202	32	1	he	he	PRON
fsr-3202	32	2	finds	find	VERB
fsr-3202	32	3	that	that	SCONJ
fsr-3202	32	4	investing	invest	VERB
fsr-3202	32	5	in	in	ADP
fsr-3202	32	6	a	a	DET
fsr-3202	32	7	portfolio	portfolio	NOUN
fsr-3202	32	8	of	of	ADP
fsr-3202	32	9	funds	fund	NOUN
fsr-3202	32	10	in	in	ADP
fsr-3202	32	11	the	the	DET
fsr-3202	32	12	bottom	bottom	ADJ
fsr-3202	32	13	quintile	quintile	NOUN
fsr-3202	32	14	of	of	ADP
fsr-3202	32	15	beta	beta	NOUN
fsr-3202	32	16	can	can	AUX
fsr-3202	32	17	improve	improve	VERB
fsr-3202	32	18	alpha	alpha	NOUN
fsr-3202	32	19	by	by	ADP
fsr-3202	32	20	a	a	DET
fsr-3202	32	21	statistically	statistically	ADV
fsr-3202	32	22	significant	significant	ADJ
fsr-3202	32	23	2.9	2.9	NUM
fsr-3202	32	24	%	%	NOUN
fsr-3202	32	25	to	to	PART
fsr-3202	32	26	4.9	4.9	NUM
fsr-3202	32	27	%	%	NOUN
fsr-3202	32	28	a	a	DET
fsr-3202	32	29	year	year	NOUN
fsr-3202	32	30	over	over	ADP
fsr-3202	32	31	the	the	DET
fsr-3202	32	32	top	top	ADJ
fsr-3202	32	33	quintile	quintile	NOUN
fsr-3202	32	34	of	of	ADP
fsr-3202	32	35	beta	beta	ADJ
fsr-3202	32	36	funds	fund	NOUN
fsr-3202	32	37	.	.	PUNCT
fsr-3202	33	1	i	i	PRON
fsr-3202	33	2	would	would	AUX
fsr-3202	33	3	like	like	VERB
fsr-3202	33	4	to	to	PART
fsr-3202	33	5	send	send	VERB
fsr-3202	33	6	a	a	DET
fsr-3202	33	7	special	special	ADJ
fsr-3202	33	8	thank	thank	NOUN
fsr-3202	33	9	you	you	PRON
fsr-3202	33	10	to	to	ADP
fsr-3202	33	11	the	the	DET
fsr-3202	33	12	many	many	ADJ
fsr-3202	33	13	reviewers	reviewer	NOUN
fsr-3202	33	14	that	that	PRON
fsr-3202	33	15	have	have	AUX
fsr-3202	33	16	significantly	significantly	ADV
fsr-3202	33	17	contributed	contribute	VERB
fsr-3202	33	18	to	to	ADP
fsr-3202	33	19	the	the	DET
fsr-3202	33	20	quality	quality	NOUN
fsr-3202	33	21	of	of	ADP
fsr-3202	33	22	our	our	PRON
fsr-3202	33	23	journal	journal	NOUN
fsr-3202	33	24	by	by	ADP
fsr-3202	33	25	providing	provide	VERB
fsr-3202	33	26	timely	timely	ADJ
fsr-3202	33	27	and	and	CCONJ
fsr-3202	33	28	thorough	thorough	ADJ
fsr-3202	33	29	reviews	review	NOUN
fsr-3202	33	30	of	of	ADP
fsr-3202	33	31	the	the	DET
fsr-3202	33	32	submissions	submission	NOUN
fsr-3202	33	33	to	to	ADP
fsr-3202	33	34	our	our	PRON
fsr-3202	33	35	journal	journal	NOUN
fsr-3202	33	36	.	.	PUNCT
fsr-3202	34	1	i	i	PRON
fsr-3202	34	2	would	would	AUX
fsr-3202	34	3	like	like	VERB
fsr-3202	34	4	to	to	PART
fsr-3202	34	5	recognize	recognize	VERB
fsr-3202	34	6	in	in	ADP
fsr-3202	34	7	the	the	DET
fsr-3202	34	8	table	table	NOUN
fsr-3202	34	9	below	below	ADV
fsr-3202	34	10	,	,	PUNCT
fsr-3202	34	11	those	those	PRON
fsr-3202	34	12	that	that	PRON
fsr-3202	34	13	reviewed	review	VERB
fsr-3202	34	14	for	for	ADP
fsr-3202	34	15	issues	issue	NOUN
fsr-3202	34	16	23(1	23(1	NUM
fsr-3202	34	17	)	)	PUNCT
fsr-3202	34	18	through	through	ADP
fsr-3202	34	19	23(4	23(4	NUM
fsr-3202	34	20	)	)	PUNCT
fsr-3202	34	21	during	during	ADP
fsr-3202	34	22	the	the	DET
fsr-3202	34	23	past	past	ADJ
fsr-3202	34	24	year	year	NOUN
fsr-3202	34	25	.	.	PUNCT
fsr-3202	35	1	thanks	thank	NOUN
fsr-3202	35	2	to	to	ADP
fsr-3202	35	3	those	those	PRON
fsr-3202	35	4	who	who	PRON
fsr-3202	35	5	make	make	VERB
fsr-3202	35	6	the	the	DET
fsr-3202	35	7	journal	journal	NOUN
fsr-3202	35	8	possible	possible	ADJ
fsr-3202	35	9	,	,	PUNCT
fsr-3202	35	10	especially	especially	ADV
fsr-3202	35	11	the	the	DET
fsr-3202	35	12	referees	referee	NOUN
fsr-3202	35	13	and	and	CCONJ
fsr-3202	35	14	contributing	contribute	VERB
fsr-3202	35	15	authors	author	NOUN
fsr-3202	35	16	.	.	PUNCT
fsr-3202	36	1	please	please	INTJ
fsr-3202	36	2	consider	consider	VERB
fsr-3202	36	3	submission	submission	NOUN
fsr-3202	36	4	to	to	ADP
fsr-3202	36	5	the	the	DET
fsr-3202	36	6	financial	financial	ADJ
fsr-3202	36	7	services	service	NOUN
fsr-3202	36	8	review	review	NOUN
fsr-3202	36	9	and	and	CCONJ
fsr-3202	36	10	rely	rely	VERB
fsr-3202	36	11	on	on	ADP
fsr-3202	36	12	the	the	DET
fsr-3202	36	13	style	style	NOUN
fsr-3202	36	14	information	information	NOUN
fsr-3202	36	15	provided	provide	VERB
fsr-3202	36	16	to	to	PART
fsr-3202	36	17	ease	ease	VERB
fsr-3202	36	18	readability	readability	NOUN
fsr-3202	36	19	and	and	CCONJ
fsr-3202	36	20	streamline	streamline	VERB
fsr-3202	36	21	the	the	DET
fsr-3202	36	22	review	review	NOUN
fsr-3202	36	23	process	process	NOUN
fsr-3202	36	24	.	.	PUNCT
fsr-3202	37	1	the	the	DET
fsr-3202	37	2	journal	journal	NOUN
fsr-3202	37	3	welcomes	welcome	VERB
fsr-3202	37	4	articles	article	NOUN
fsr-3202	37	5	over	over	ADP
fsr-3202	37	6	the	the	DET
fsr-3202	37	7	range	range	NOUN
fsr-3202	37	8	of	of	ADP
fsr-3202	37	9	areas	area	NOUN
fsr-3202	37	10	that	that	PRON
fsr-3202	37	11	comprise	comprise	VERB
fsr-3202	37	12	personal	personal	ADJ
fsr-3202	37	13	financial	financial	ADJ
fsr-3202	37	14	planning	planning	NOUN
fsr-3202	37	15	.	.	PUNCT
fsr-3202	38	1	while	while	SCONJ
fsr-3202	38	2	fsr	fsr	PROPN
fsr-3202	38	3	articles	article	NOUN
fsr-3202	38	4	are	be	AUX
fsr-3202	38	5	certainly	certainly	ADV
fsr-3202	38	6	diverse	diverse	ADJ
fsr-3202	38	7	in	in	ADP
fsr-3202	38	8	terms	term	NOUN
fsr-3202	38	9	of	of	ADP
fsr-3202	38	10	topic	topic	NOUN
fsr-3202	38	11	,	,	PUNCT
fsr-3202	38	12	data	datum	NOUN
fsr-3202	38	13	,	,	PUNCT
fsr-3202	38	14	and	and	CCONJ
fsr-3202	38	15	method	method	NOUN
fsr-3202	38	16	,	,	PUNCT
fsr-3202	38	17	they	they	PRON
fsr-3202	38	18	are	be	AUX
fsr-3202	38	19	focused	focus	VERB
fsr-3202	38	20	in	in	ADP
fsr-3202	38	21	terms	term	NOUN
fsr-3202	38	22	of	of	ADP
fsr-3202	38	23	motivation	motivation	NOUN
fsr-3202	38	24	.	.	PUNCT
fsr-3202	39	1	fsr	fsr	PROPN
fsr-3202	39	2	exists	exist	VERB
fsr-3202	39	3	to	to	PART
fsr-3202	39	4	produce	produce	VERB
fsr-3202	39	5	research	research	NOUN
fsr-3202	39	6	that	that	PRON
fsr-3202	39	7	addresses	address	VERB
fsr-3202	39	8	issues	issue	NOUN
fsr-3202	39	9	that	that	PRON
fsr-3202	39	10	matter	matter	VERB
fsr-3202	39	11	to	to	ADP
fsr-3202	39	12	individuals	individual	NOUN
fsr-3202	39	13	.	.	PUNCT
fsr-3202	40	1	i	i	PRON
fsr-3202	40	2	remain	remain	VERB
fsr-3202	40	3	committed	committed	ADJ
fsr-3202	40	4	to	to	ADP
fsr-3202	40	5	the	the	DET
fsr-3202	40	6	goal	goal	NOUN
fsr-3202	40	7	of	of	ADP
fsr-3202	40	8	making	make	VERB
fsr-3202	40	9	financial	financial	ADJ
fsr-3202	40	10	services	service	NOUN
fsr-3202	40	11	review	review	VERB
fsr-3202	40	12	the	the	DET
fsr-3202	40	13	best	good	ADJ
fsr-3202	40	14	academic	academic	ADJ
fsr-3202	40	15	journal	journal	NOUN
fsr-3202	40	16	in	in	ADP
fsr-3202	40	17	individual	individual	ADJ
fsr-3202	40	18	financial	financial	ADJ
fsr-3202	40	19	management	management	NOUN
fsr-3202	40	20	and	and	CCONJ
fsr-3202	40	21	personal	personal	ADJ
fsr-3202	40	22	financial	financial	ADJ
fsr-3202	40	23	planning	planning	NOUN
fsr-3202	40	24	.	.	PUNCT
fsr-3202	41	1	best	good	ADJ
fsr-3202	41	2	regards	regard	VERB
fsr-3202	41	3	,	,	PUNCT
fsr-3202	41	4	stuart	stuart	PROPN
fsr-3202	41	5	michelson	michelson	PROPN
fsr-3202	41	6	editor	editor	PROPN
fsr-3202	41	7	financial	financial	PROPN
fsr-3202	41	8	services	services	PROPN
fsr-3202	41	9	review	review	AUX
fsr-3202	41	10	thank	thank	VERB
fsr-3202	41	11	you	you	PRON
fsr-3202	41	12	to	to	ADP
fsr-3202	41	13	all	all	PRON
fsr-3202	41	14	of	of	ADP
fsr-3202	41	15	the	the	DET
fsr-3202	41	16	fsr	fsr	PROPN
fsr-3202	41	17	referees	referee	NOUN
fsr-3202	41	18	for	for	ADP
fsr-3202	41	19	issues	issue	NOUN
fsr-3202	41	20	23(1	23(1	NUM
fsr-3202	41	21	)	)	PUNCT
fsr-3202	41	22	through	through	ADP
fsr-3202	41	23	23(4	23(4	NUM
fsr-3202	41	24	)	)	PUNCT
fsr-3202	41	25	alex	alex	PROPN
fsr-3202	41	26	wang	wang	PROPN
fsr-3202	41	27	university	university	PROPN
fsr-3202	41	28	of	of	ADP
fsr-3202	41	29	connec	connec	PROPN
fsr-3202	41	30	cut	cut	VERB
fsr-3202	41	31	jose	jose	PROPN
fsr-3202	41	32	linares	linare	NOUN
fsr-3202	41	33	-	-	PUNCT
fsr-3202	41	34	zegarra	zegarra	PROPN
fsr-3202	41	35	university	university	PROPN
fsr-3202	41	36	of	of	ADP
fsr-3202	41	37	granada	granada	PROPN
fsr-3202	41	38	andrei	andrei	PROPN
fsr-3202	41	39	shynkevich	shynkevich	PROPN
fsr-3202	41	40	kent	kent	PROPN
fsr-3202	41	41	state	state	PROPN
fsr-3202	41	42	university	university	PROPN
fsr-3202	41	43	karen	karen	PROPN
fsr-3202	41	44	benson	benson	PROPN
fsr-3202	41	45	university	university	PROPN
fsr-3202	41	46	of	of	ADP
fsr-3202	41	47	queensland	queensland	PROPN
fsr-3202	41	48	andrew	andrew	PROPN
fsr-3202	41	49	ching	ching	PROPN
fsr-3202	41	50	university	university	PROPN
fsr-3202	41	51	of	of	ADP
fsr-3202	41	52	toronto	toronto	PROPN
fsr-3202	42	1	karen	karen	PROPN
fsr-3202	42	2	varcoe	varcoe	PROPN
fsr-3202	42	3	university	university	PROPN
fsr-3202	42	4	of	of	ADP
fsr-3202	42	5	california	california	PROPN
fsr-3202	42	6	andy	andy	PROPN
fsr-3202	42	7	terry	terry	PROPN
fsr-3202	42	8	university	university	PROPN
fsr-3202	42	9	of	of	ADP
fsr-3202	42	10	arkansas	arkansas	PROPN
fsr-3202	42	11	at	at	ADP
fsr-3202	42	12	li	li	PROPN
fsr-3202	42	13	le	le	PROPN
fsr-3202	42	14	rock	rock	PROPN
fsr-3202	42	15	kevin	kevin	PROPN
fsr-3202	42	16	bracker	bracker	PROPN
fsr-3202	42	17	pi	pi	PROPN
fsr-3202	42	18	sburg	sburg	PROPN
fsr-3202	42	19	state	state	PROPN
fsr-3202	42	20	university	university	PROPN
fsr-3202	42	21	annamaria	annamaria	PROPN
fsr-3202	42	22	lusardi	lusardi	PROPN
fsr-3202	42	23	dartmouth	dartmouth	PROPN
fsr-3202	42	24	college	college	PROPN
fsr-3202	42	25	khaled	khaled	PROPN
fsr-3202	42	26	elkhal	elkhal	PROPN
fsr-3202	42	27	university	university	PROPN
fsr-3202	42	28	of	of	ADP
fsr-3202	42	29	southern	southern	PROPN
fsr-3202	42	30	indiana	indiana	PROPN
fsr-3202	42	31	bernhard	bernhard	PROPN
fsr-3202	42	32	zwergel	zwergel	PROPN
fsr-3202	42	33	university	university	PROPN
fsr-3202	42	34	of	of	ADP
fsr-3202	42	35	augsburg	augsburg	PROPN
fsr-3202	42	36	larry	larry	PROPN
fsr-3202	42	37	prather	prather	PROPN
fsr-3202	42	38	se	se	PROPN
fsr-3202	42	39	oklahoma	oklahoma	PROPN
fsr-3202	42	40	state	state	PROPN
fsr-3202	42	41	university	university	PROPN
fsr-3202	42	42	chris	chris	PROPN
fsr-3202	42	43	browning	brown	VERB
fsr-3202	42	44	texas	texas	PROPN
fsr-3202	42	45	tech	tech	PROPN
fsr-3202	42	46	university	university	PROPN
fsr-3202	42	47	larry	larry	PROPN
fsr-3202	42	48	rose	rise	VERB
fsr-3202	42	49	california	california	PROPN
fsr-3202	42	50	state	state	PROPN
fsr-3202	42	51	cli	cli	PROPN
fsr-3202	42	52	robb	robb	PROPN
fsr-3202	42	53	kansas	kansas	PROPN
fsr-3202	42	54	state	state	PROPN
fsr-3202	42	55	university	university	PROPN
fsr-3202	42	56	ma	ma	PROPN
fsr-3202	42	57	hew	hew	VERB
fsr-3202	43	1	spiegel	spiegel	PROPN
fsr-3202	43	2	yale	yale	PROPN
fsr-3202	43	3	university	university	PROPN
fsr-3202	43	4	coleen	coleen	PROPN
fsr-3202	43	5	clark	clark	PROPN
fsr-3202	43	6	ryerson	ryerson	PROPN
fsr-3202	43	7	university	university	PROPN
fsr-3202	43	8	michael	michael	PROPN
fsr-3202	43	9	finke	finke	PROPN
fsr-3202	43	10	texas	texas	PROPN
fsr-3202	43	11	tech	tech	PROPN
fsr-3202	43	12	university	university	PROPN
fsr-3202	43	13	dale	dale	PROPN
fsr-3202	43	14	domian	domian	PROPN
fsr-3202	43	15	york	york	PROPN
fsr-3202	43	16	university	university	PROPN
fsr-3202	43	17	michael	michael	PROPN
fsr-3202	43	18	naylor	naylor	PROPN
fsr-3202	43	19	massey	massey	PROPN
fsr-3202	43	20	university	university	PROPN
fsr-3202	43	21	darren	darren	PROPN
fsr-3202	43	22	lee	lee	PROPN
fsr-3202	43	23	university	university	PROPN
fsr-3202	43	24	of	of	ADP
fsr-3202	43	25	queensland	queensland	PROPN
fsr-3202	43	26	ning	ning	PROPN
fsr-3202	43	27	tang	tang	PROPN
fsr-3202	43	28	san	san	PROPN
fsr-3202	43	29	diego	diego	PROPN
fsr-3202	43	30	state	state	PROPN
fsr-3202	43	31	university	university	PROPN
fsr-3202	43	32	david	david	PROPN
fsr-3202	43	33	nanigian	nanigian	PROPN
fsr-3202	43	34	the	the	DET
fsr-3202	43	35	american	american	PROPN
fsr-3202	43	36	college	college	PROPN
fsr-3202	43	37	pablo	pablo	PROPN
fsr-3202	43	38	ruiz	ruiz	PROPN
fsr-3202	43	39	-	-	PUNCT
fsr-3202	43	40	verdu	verdu	NOUN
fsr-3202	43	41	universidad	universidad	PROPN
fsr-3202	43	42	carlos	carlos	PROPN
fsr-3202	43	43	iii	iii	PROPN
fsr-3202	43	44	de	de	PROPN
fsr-3202	43	45	madrid	madrid	PROPN
fsr-3202	43	46	david	david	PROPN
fsr-3202	43	47	smith	smith	PROPN
fsr-3202	43	48	university	university	PROPN
fsr-3202	43	49	of	of	ADP
fsr-3202	43	50	albany	albany	PROPN
fsr-3202	43	51	parvez	parvez	PROPN
fsr-3202	43	52	ahmed	ahmed	PROPN
fsr-3202	43	53	university	university	PROPN
fsr-3202	43	54	of	of	ADP
fsr-3202	43	55	north	north	PROPN
fsr-3202	43	56	florida	florida	PROPN
fsr-3202	43	57	diane	diane	PROPN
fsr-3202	43	58	docking	dock	VERB
fsr-3202	43	59	northern	northern	ADJ
fsr-3202	43	60	illinois	illinois	PROPN
fsr-3202	43	61	patryk	patryk	PROPN
fsr-3202	43	62	babiarz	babiarz	PROPN
fsr-3202	43	63	university	university	PROPN
fsr-3202	43	64	of	of	ADP
fsr-3202	43	65	alabama	alabama	PROPN
fsr-3202	43	66	diane	diane	PROPN
fsr-3202	43	67	schooley	schooley	PROPN
fsr-3202	43	68	boise	boise	PROPN
fsr-3202	43	69	state	state	PROPN
fsr-3202	43	70	peter	peter	PROPN
fsr-3202	43	71	lichtenberg	lichtenberg	PROPN
fsr-3202	43	72	wayne	wayne	PROPN
fsr-3202	43	73	state	state	PROPN
fsr-3202	43	74	university	university	PROPN
fsr-3202	43	75	emery	emery	PROPN
fsr-3202	43	76	trahan	trahan	PROPN
fsr-3202	43	77	northeastern	northeastern	PROPN
fsr-3202	43	78	university	university	PROPN
fsr-3202	43	79	phillip	phillip	PROPN
fsr-3202	43	80	tew	tew	PROPN
fsr-3202	43	81	arkansas	arkansas	PROPN
fsr-3202	43	82	state	state	PROPN
fsr-3202	43	83	university	university	PROPN
fsr-3202	43	84	frederick	frederick	PROPN
fsr-3202	43	85	p.	p.	PROPN
fsr-3202	43	86	schadler	schadler	PROPN
fsr-3202	43	87	east	east	PROPN
fsr-3202	43	88	carolina	carolina	PROPN
fsr-3202	43	89	university	university	PROPN
fsr-3202	43	90	rachel	rachel	PROPN
fsr-3202	43	91	smith	smith	PROPN
fsr-3202	43	92	university	university	PROPN
fsr-3202	43	93	of	of	ADP
fsr-3202	43	94	mississippi	mississippi	PROPN
fsr-3202	43	95	giovanni	giovanni	PROPN
fsr-3202	43	96	fernandez	fernandez	PROPN
fsr-3202	43	97	stetson	stetson	PROPN
fsr-3202	43	98	university	university	PROPN
fsr-3202	43	99	randy	randy	PROPN
fsr-3202	43	100	gardner	gardner	PROPN
fsr-3202	43	101	university	university	PROPN
fsr-3202	43	102	of	of	ADP
fsr-3202	43	103	missouri	missouri	PROPN
fsr-3202	43	104	kansas	kansas	PROPN
fsr-3202	43	105	city	city	PROPN
fsr-3202	43	106	j	j	PROPN
fsr-3202	43	107	michael	michael	PROPN
fsr-3202	43	108	collins	collins	PROPN
fsr-3202	43	109	university	university	PROPN
fsr-3202	43	110	of	of	ADP
fsr-3202	43	111	wisconsin	wisconsin	PROPN
fsr-3202	43	112	robert	robert	PROPN
fsr-3202	43	113	comment	comment	PROPN
fsr-3202	43	114	analysis	analysis	NOUN
fsr-3202	43	115	group	group	NOUN
fsr-3202	43	116	jaakko	jaakko	PROPN
fsr-3202	43	117	aspara	aspara	PROPN
fsr-3202	43	118	aalto	aalto	PROPN
fsr-3202	43	119	universitry	universitry	PROPN
fsr-3202	43	120	robert	robert	PROPN
fsr-3202	43	121	dubil	dubil	PROPN
fsr-3202	43	122	university	university	PROPN
fsr-3202	43	123	of	of	ADP
fsr-3202	43	124	utah	utah	PROPN
fsr-3202	43	125	jacquelyn	jacquelyn	PROPN
fsr-3202	43	126	humphrey	humphrey	PROPN
fsr-3202	43	127	university	university	PROPN
fsr-3202	43	128	of	of	ADP
fsr-3202	43	129	queensland	queensland	PROPN
fsr-3202	43	130	robert	robert	PROPN
fsr-3202	43	131	kunkel	kunkel	PROPN
fsr-3202	43	132	university	university	PROPN
fsr-3202	43	133	of	of	ADP
fsr-3202	43	134	wisconsin	wisconsin	PROPN
fsr-3202	43	135	oshkosh	oshkosh	PROPN
fsr-3202	43	136	jim	jim	PROPN
fsr-3202	43	137	gilkeson	gilkeson	PROPN
fsr-3202	43	138	university	university	PROPN
fsr-3202	43	139	of	of	ADP
fsr-3202	43	140	central	central	PROPN
fsr-3202	43	141	florida	florida	PROPN
fsr-3202	43	142	sharon	sharon	PROPN
fsr-3202	43	143	devaney	devaney	PROPN
fsr-3202	43	144	purdue	purdue	PROPN
fsr-3202	43	145	university	university	PROPN
fsr-3202	43	146	john	john	PROPN
fsr-3202	43	147	adams	adams	PROPN
fsr-3202	43	148	university	university	PROPN
fsr-3202	43	149	of	of	ADP
fsr-3202	43	150	texas	texas	PROPN
fsr-3202	43	151	sherman	sherman	PROPN
fsr-3202	43	152	hanna	hanna	PROPN
fsr-3202	43	153	ohio	ohio	PROPN
fsr-3202	43	154	state	state	PROPN
fsr-3202	43	155	university	university	PROPN
fsr-3202	43	156	john	john	PROPN
fsr-3202	43	157	clinebell	clinebell	PROPN
fsr-3202	43	158	university	university	PROPN
fsr-3202	43	159	of	of	ADP
fsr-3202	43	160	northern	northern	PROPN
fsr-3202	43	161	colorodo	colorodo	PROPN
fsr-3202	43	162	swarnankur	swarnankur	PROPN
fsr-3202	43	163	cha	cha	PROPN
fsr-3202	43	164	erjee	erjee	PROPN
fsr-3202	43	165	university	university	PROPN
fsr-3202	43	166	of	of	ADP
fsr-3202	43	167	georgia	georgia	PROPN
fsr-3202	43	168	john	john	PROPN
fsr-3202	43	169	grable	grable	PROPN
fsr-3202	43	170	university	university	PROPN
fsr-3202	43	171	of	of	ADP
fsr-3202	43	172	georgia	georgia	PROPN
fsr-3202	43	173	tim	tim	PROPN
fsr-3202	43	174	query	query	PROPN
fsr-3202	43	175	new	new	PROPN
fsr-3202	43	176	mexico	mexico	PROPN
fsr-3202	43	177	state	state	PROPN
fsr-3202	43	178	university	university	PROPN
fsr-3202	43	179	john	john	PROPN
fsr-3202	43	180	haslem	haslem	PROPN
fsr-3202	43	181	university	university	PROPN
fsr-3202	43	182	of	of	ADP
fsr-3202	43	183	maryland	maryland	PROPN
fsr-3202	43	184	walter	walter	PROPN
fsr-3202	43	185	woerhide	woerhide	PROPN
fsr-3202	43	186	the	the	DET
fsr-3202	43	187	american	american	PROPN
fsr-3202	43	188	college	college	PROPN
fsr-3202	43	189	john	john	PROPN
fsr-3202	43	190	salter	salter	PROPN
fsr-3202	43	191	texas	texas	PROPN
fsr-3202	43	192	tech	tech	PROPN
fsr-3202	43	193	university	university	PROPN
fsr-3202	43	194	william	william	PROPN
fsr-3202	43	195	jennins	jennins	PROPN
fsr-3202	43	196	u.s	u.s	PROPN
fsr-3202	43	197	.	.	PROPN
fsr-3202	43	198	air	air	PROPN
fsr-3202	43	199	force	force	PROPN
fsr-3202	43	200	academy	academy	PROPN
fsr-3202	43	201	john	john	PROPN
fsr-3202	43	202	simon	simon	PROPN
fsr-3202	43	203	australian	australian	PROPN
fsr-3202	43	204	reserve	reserve	PROPN
fsr-3202	43	205	bank	bank	PROPN
fsr-3202	43	206	wookjae	wookjae	PROPN
fsr-3202	43	207	heo	heo	PROPN
fsr-3202	43	208	university	university	PROPN
fsr-3202	43	209	of	of	ADP
fsr-3202	43	210	georgia	georgia	PROPN
fsr-3202	43	211	john	john	PROPN
fsr-3202	43	212	watson	watson	PROPN
fsr-3202	43	213	monash	monash	PROPN
fsr-3202	43	214	university	university	PROPN
fsr-3202	43	215	yasser	yasser	PROPN
fsr-3202	43	216	alhenawi	alhenawi	PROPN
fsr-3202	43	217	univeristy	univeristy	PROPN
fsr-3202	43	218	of	of	ADP
fsr-3202	43	219	evansville	evansville	PROPN
fsr-3202	43	220	vi	vi	PROPN
fsr-3202	43	221	editorial	editorial	NOUN
fsr-3202	43	222	/	/	SYM
fsr-3202	43	223	financial	financial	ADJ
fsr-3202	43	224	services	service	NOUN
fsr-3202	43	225	review	review	VERB
fsr-3202	43	226	23	23	NUM
fsr-3202	43	227	(	(	PUNCT
fsr-3202	43	228	2014	2014	NUM
fsr-3202	43	229	)	)	PUNCT
fsr-3202	43	230	v	v	NOUN
fsr-3202	43	231	–	–	PUNCT
fsr-3202	43	232	vi	vi	NOUN