id	sid	tid	token	lemma	pos
fsr-3204	1	1	financial	financial	ADJ
fsr-3204	1	2	adviser	adviser	NOUN
fsr-3204	1	3	background	background	NOUN
fsr-3204	1	4	checks	check	NOUN
fsr-3204	1	5	bhanu	bhanu	PROPN
fsr-3204	1	6	balasubramniana	balasubramniana	PROPN
fsr-3204	1	7	,	,	PUNCT
fsr-3204	1	8	eric	eric	PROPN
fsr-3204	1	9	r.	r.	PROPN
fsr-3204	1	10	briskera	briskera	PROPN
fsr-3204	1	11	,	,	PUNCT
fsr-3204	1	12	suzanne	suzanne	PROPN
fsr-3204	1	13	gradishera	gradishera	PROPN
fsr-3204	1	14	,	,	PUNCT
fsr-3204	1	15	*	*	PUNCT
fsr-3204	1	16	adepartment	adepartment	NOUN
fsr-3204	1	17	of	of	ADP
fsr-3204	1	18	finance	finance	NOUN
fsr-3204	1	19	,	,	PUNCT
fsr-3204	1	20	the	the	DET
fsr-3204	1	21	university	university	PROPN
fsr-3204	1	22	of	of	ADP
fsr-3204	1	23	akron	akron	PROPN
fsr-3204	1	24	,	,	PUNCT
fsr-3204	1	25	college	college	NOUN
fsr-3204	1	26	of	of	ADP
fsr-3204	1	27	business	business	PROPN
fsr-3204	1	28	administration	administration	PROPN
fsr-3204	1	29	,	,	PUNCT
fsr-3204	1	30	akron	akron	PROPN
fsr-3204	1	31	,	,	PUNCT
fsr-3204	1	32	oh	oh	INTJ
fsr-3204	1	33	44325	44325	NUM
fsr-3204	1	34	,	,	PUNCT
fsr-3204	1	35	usa	usa	PROPN
fsr-3204	1	36	abstract	abstract	PROPN
fsr-3204	1	37	using	use	VERB
fsr-3204	1	38	the	the	DET
fsr-3204	1	39	2009	2009	NUM
fsr-3204	1	40	national	national	ADJ
fsr-3204	1	41	financial	financial	ADJ
fsr-3204	1	42	capability	capability	NOUN
fsr-3204	1	43	survey	survey	NOUN
fsr-3204	1	44	,	,	PUNCT
fsr-3204	1	45	we	we	PRON
fsr-3204	1	46	identify	identify	VERB
fsr-3204	1	47	demographic	demographic	ADJ
fsr-3204	1	48	characteristics	characteristic	NOUN
fsr-3204	1	49	associated	associate	VERB
fsr-3204	1	50	with	with	ADP
fsr-3204	1	51	financial	financial	ADJ
fsr-3204	1	52	adviser	adviser	NOUN
fsr-3204	1	53	users	user	NOUN
fsr-3204	1	54	who	who	PRON
fsr-3204	1	55	conduct	conduct	VERB
fsr-3204	1	56	adviser	adviser	NOUN
fsr-3204	1	57	background	background	NOUN
fsr-3204	1	58	checks	check	NOUN
fsr-3204	1	59	and/or	and/or	CCONJ
fsr-3204	1	60	consider	consider	VERB
fsr-3204	1	61	more	more	ADJ
fsr-3204	1	62	than	than	ADP
fsr-3204	1	63	one	one	NUM
fsr-3204	1	64	adviser	adviser	NOUN
fsr-3204	1	65	before	before	ADP
fsr-3204	1	66	making	make	VERB
fsr-3204	1	67	a	a	DET
fsr-3204	1	68	choice	choice	NOUN
fsr-3204	1	69	,	,	PUNCT
fsr-3204	1	70	and	and	CCONJ
fsr-3204	1	71	if	if	SCONJ
fsr-3204	1	72	these	these	DET
fsr-3204	1	73	activities	activity	NOUN
fsr-3204	1	74	improve	improve	VERB
fsr-3204	1	75	their	their	PRON
fsr-3204	1	76	trust	trust	NOUN
fsr-3204	1	77	in	in	ADP
fsr-3204	1	78	financial	financial	ADJ
fsr-3204	1	79	advisers	adviser	NOUN
fsr-3204	1	80	.	.	PUNCT
fsr-3204	2	1	we	we	PRON
fsr-3204	2	2	find	find	VERB
fsr-3204	2	3	that	that	SCONJ
fsr-3204	2	4	very	very	ADV
fsr-3204	2	5	few	few	ADJ
fsr-3204	2	6	financial	financial	ADJ
fsr-3204	2	7	adviser	adviser	NOUN
fsr-3204	2	8	users	user	NOUN
fsr-3204	2	9	check	check	VERB
fsr-3204	2	10	backgrounds	background	NOUN
fsr-3204	2	11	,	,	PUNCT
fsr-3204	2	12	but	but	CCONJ
fsr-3204	2	13	there	there	PRON
fsr-3204	2	14	is	be	VERB
fsr-3204	2	15	a	a	DET
fsr-3204	2	16	positive	positive	ADJ
fsr-3204	2	17	relationship	relationship	NOUN
fsr-3204	2	18	between	between	ADP
fsr-3204	2	19	adviser	adviser	NOUN
fsr-3204	2	20	background	background	NOUN
fsr-3204	2	21	checks	check	NOUN
fsr-3204	2	22	and	and	CCONJ
fsr-3204	2	23	trust	trust	NOUN
fsr-3204	2	24	levels	level	NOUN
fsr-3204	2	25	.	.	PUNCT
fsr-3204	3	1	overall	overall	ADV
fsr-3204	3	2	,	,	PUNCT
fsr-3204	3	3	these	these	DET
fsr-3204	3	4	findings	finding	NOUN
fsr-3204	3	5	indicate	indicate	VERB
fsr-3204	3	6	that	that	SCONJ
fsr-3204	3	7	having	have	VERB
fsr-3204	3	8	a	a	DET
fsr-3204	3	9	reliable	reliable	ADJ
fsr-3204	3	10	background	background	NOUN
fsr-3204	3	11	check	check	NOUN
fsr-3204	3	12	system	system	NOUN
fsr-3204	3	13	in	in	ADP
fsr-3204	3	14	place	place	NOUN
fsr-3204	3	15	,	,	PUNCT
fsr-3204	3	16	allowing	allow	VERB
fsr-3204	3	17	financial	financial	ADJ
fsr-3204	3	18	consumers	consumer	NOUN
fsr-3204	3	19	to	to	PART
fsr-3204	3	20	conduct	conduct	VERB
fsr-3204	3	21	adviser	adviser	NOUN
fsr-3204	3	22	background	background	NOUN
fsr-3204	3	23	checks	check	NOUN
fsr-3204	3	24	in	in	ADP
fsr-3204	3	25	an	an	DET
fsr-3204	3	26	easy	easy	ADJ
fsr-3204	3	27	and	and	CCONJ
fsr-3204	3	28	efficient	efficient	ADJ
fsr-3204	3	29	manner	manner	NOUN
fsr-3204	3	30	,	,	PUNCT
fsr-3204	3	31	will	will	AUX
fsr-3204	3	32	help	help	VERB
fsr-3204	3	33	improve	improve	VERB
fsr-3204	3	34	trust	trust	NOUN
fsr-3204	3	35	in	in	ADP
fsr-3204	3	36	financial	financial	ADJ
fsr-3204	3	37	advisers	adviser	NOUN
fsr-3204	3	38	.	.	PUNCT
fsr-3204	4	1	©	©	PROPN
fsr-3204	4	2	2014	2014	NUM
fsr-3204	4	3	academy	academy	NOUN
fsr-3204	4	4	of	of	ADP
fsr-3204	4	5	financial	financial	ADJ
fsr-3204	4	6	services	service	NOUN
fsr-3204	4	7	.	.	PUNCT
fsr-3204	5	1	all	all	DET
fsr-3204	5	2	rights	right	NOUN
fsr-3204	5	3	reserved	reserve	VERB
fsr-3204	5	4	.	.	PUNCT
fsr-3204	6	1	jel	jel	PROPN
fsr-3204	6	2	classification	classification	NOUN
fsr-3204	6	3	:	:	PUNCT
fsr-3204	6	4	d18	d18	ADJ
fsr-3204	6	5	;	;	PUNCT
fsr-3204	6	6	d14	d14	NOUN
fsr-3204	6	7	;	;	PUNCT
fsr-3204	6	8	g18	g18	NOUN
fsr-3204	6	9	keywords	keyword	NOUN
fsr-3204	6	10	:	:	PUNCT
fsr-3204	6	11	consumer	consumer	NOUN
fsr-3204	6	12	protection	protection	NOUN
fsr-3204	6	13	;	;	PUNCT
fsr-3204	6	14	personal	personal	ADJ
fsr-3204	6	15	finance	finance	NOUN
fsr-3204	6	16	;	;	PUNCT
fsr-3204	6	17	government	government	NOUN
fsr-3204	6	18	policy	policy	NOUN
fsr-3204	6	19	and	and	CCONJ
fsr-3204	6	20	regulation	regulation	NOUN
fsr-3204	6	21	;	;	PUNCT
fsr-3204	6	22	financial	financial	ADJ
fsr-3204	6	23	advisers	adviser	NOUN
fsr-3204	6	24	1	1	NUM
fsr-3204	6	25	.	.	PUNCT
fsr-3204	6	26	introduction	introduction	NOUN
fsr-3204	6	27	we	we	PRON
fsr-3204	6	28	investigate	investigate	VERB
fsr-3204	6	29	characteristics	characteristic	NOUN
fsr-3204	6	30	associated	associate	VERB
fsr-3204	6	31	with	with	ADP
fsr-3204	6	32	financial	financial	ADJ
fsr-3204	6	33	consumers	consumer	NOUN
fsr-3204	6	34	who	who	PRON
fsr-3204	6	35	conduct	conduct	VERB
fsr-3204	6	36	financial	financial	ADJ
fsr-3204	6	37	adviser	adviser	NOUN
fsr-3204	6	38	background	background	NOUN
fsr-3204	6	39	checks	check	NOUN
fsr-3204	6	40	and/or	and/or	CCONJ
fsr-3204	6	41	consider	consider	VERB
fsr-3204	6	42	more	more	ADJ
fsr-3204	6	43	than	than	ADP
fsr-3204	6	44	one	one	NUM
fsr-3204	6	45	financial	financial	ADJ
fsr-3204	6	46	adviser	adviser	NOUN
fsr-3204	6	47	before	before	ADP
fsr-3204	6	48	making	make	VERB
fsr-3204	6	49	a	a	DET
fsr-3204	6	50	choice	choice	NOUN
fsr-3204	6	51	,	,	PUNCT
fsr-3204	6	52	and	and	CCONJ
fsr-3204	6	53	if	if	SCONJ
fsr-3204	6	54	these	these	DET
fsr-3204	6	55	activities	activity	NOUN
fsr-3204	6	56	improve	improve	VERB
fsr-3204	6	57	the	the	DET
fsr-3204	6	58	level	level	NOUN
fsr-3204	6	59	of	of	ADP
fsr-3204	6	60	trust	trust	NOUN
fsr-3204	6	61	financial	financial	ADJ
fsr-3204	6	62	consumers	consumer	NOUN
fsr-3204	6	63	have	have	VERB
fsr-3204	6	64	in	in	ADP
fsr-3204	6	65	their	their	PRON
fsr-3204	6	66	financial	financial	ADJ
fsr-3204	6	67	advisers	adviser	NOUN
fsr-3204	6	68	.	.	PUNCT
fsr-3204	7	1	consumers	consumer	NOUN
fsr-3204	7	2	typically	typically	ADV
fsr-3204	7	3	search	search	VERB
fsr-3204	7	4	for	for	ADP
fsr-3204	7	5	information	information	NOUN
fsr-3204	7	6	on	on	ADP
fsr-3204	7	7	products	product	NOUN
fsr-3204	7	8	and	and	CCONJ
fsr-3204	7	9	services	service	NOUN
fsr-3204	7	10	before	before	SCONJ
fsr-3204	7	11	they	they	PRON
fsr-3204	7	12	buy	buy	VERB
fsr-3204	7	13	or	or	CCONJ
fsr-3204	7	14	sell	sell	VERB
fsr-3204	7	15	them	they	PRON
fsr-3204	7	16	.	.	PUNCT
fsr-3204	8	1	when	when	SCONJ
fsr-3204	8	2	a	a	DET
fsr-3204	8	3	product	product	NOUN
fsr-3204	8	4	is	be	AUX
fsr-3204	8	5	more	more	ADV
fsr-3204	8	6	expensive	expensive	ADJ
fsr-3204	8	7	,	,	PUNCT
fsr-3204	8	8	the	the	DET
fsr-3204	8	9	time	time	NOUN
fsr-3204	8	10	and	and	CCONJ
fsr-3204	8	11	cost	cost	NOUN
fsr-3204	8	12	associated	associate	VERB
fsr-3204	8	13	with	with	ADP
fsr-3204	8	14	the	the	DET
fsr-3204	8	15	information	information	NOUN
fsr-3204	8	16	search	search	NOUN
fsr-3204	8	17	usually	usually	ADV
fsr-3204	8	18	increases	increase	VERB
fsr-3204	8	19	.	.	PUNCT
fsr-3204	9	1	financial	financial	ADJ
fsr-3204	9	2	decision	decision	NOUN
fsr-3204	9	3	-	-	PUNCT
fsr-3204	9	4	making	making	NOUN
fsr-3204	9	5	is	be	AUX
fsr-3204	9	6	complex	complex	ADJ
fsr-3204	9	7	because	because	SCONJ
fsr-3204	9	8	consumers	consumer	NOUN
fsr-3204	9	9	must	must	AUX
fsr-3204	9	10	understand	understand	VERB
fsr-3204	9	11	the	the	DET
fsr-3204	9	12	risks	risk	NOUN
fsr-3204	9	13	associated	associate	VERB
fsr-3204	9	14	with	with	ADP
fsr-3204	9	15	their	their	PRON
fsr-3204	9	16	financial	financial	ADJ
fsr-3204	9	17	products	product	NOUN
fsr-3204	9	18	and	and	CCONJ
fsr-3204	9	19	have	have	VERB
fsr-3204	9	20	the	the	DET
fsr-3204	9	21	ability	ability	NOUN
fsr-3204	9	22	to	to	PART
fsr-3204	9	23	project	project	VERB
fsr-3204	9	24	future	future	ADJ
fsr-3204	9	25	economic	economic	ADJ
fsr-3204	9	26	scenarios	scenario	NOUN
fsr-3204	9	27	and	and	CCONJ
fsr-3204	9	28	possible	possible	ADJ
fsr-3204	9	29	outcomes	outcome	NOUN
fsr-3204	9	30	(	(	PUNCT
fsr-3204	9	31	lin	lin	PROPN
fsr-3204	9	32	and	and	CCONJ
fsr-3204	9	33	lee	lee	PROPN
fsr-3204	9	34	,	,	PUNCT
fsr-3204	9	35	2004	2004	NUM
fsr-3204	9	36	)	)	PUNCT
fsr-3204	9	37	.	.	PUNCT
fsr-3204	10	1	as	as	ADP
fsr-3204	10	2	*	*	PUNCT
fsr-3204	10	3	corresponding	correspond	VERB
fsr-3204	10	4	author	author	NOUN
fsr-3204	10	5	.	.	PUNCT
fsr-3204	11	1	tel	tel	PROPN
fsr-3204	11	2	.	.	PUNCT
fsr-3204	11	3	:	:	PUNCT
fsr-3204	11	4	�	�	PROPN
fsr-3204	11	5	1	1	NUM
fsr-3204	11	6	-	-	SYM
fsr-3204	11	7	330	330	NUM
fsr-3204	11	8	-	-	NUM
fsr-3204	11	9	972	972	NUM
fsr-3204	11	10	-	-	SYM
fsr-3204	11	11	6330	6330	NUM
fsr-3204	11	12	;	;	PUNCT
fsr-3204	11	13	fax	fax	NOUN
fsr-3204	11	14	:	:	PUNCT
fsr-3204	11	15	�	�	PROPN
fsr-3204	11	16	1	1	NUM
fsr-3204	11	17	-	-	SYM
fsr-3204	11	18	330	330	NUM
fsr-3204	11	19	-	-	NUM
fsr-3204	11	20	972	972	NUM
fsr-3204	11	21	-	-	SYM
fsr-3204	11	22	5970	5970	NUM
fsr-3204	11	23	.	.	PUNCT
fsr-3204	12	1	e	e	X
fsr-3204	12	2	-	-	NOUN
fsr-3204	12	3	mail	mail	NOUN
fsr-3204	12	4	address	address	NOUN
fsr-3204	12	5	:	:	PUNCT
fsr-3204	12	6	smg16@uakron.edu	smg16@uakron.edu	ADP
fsr-3204	12	7	(	(	PUNCT
fsr-3204	12	8	s.	s.	PROPN
fsr-3204	12	9	gradisher	gradisher	PROPN
fsr-3204	12	10	)	)	PUNCT
fsr-3204	12	11	financial	financial	ADJ
fsr-3204	12	12	services	service	NOUN
fsr-3204	12	13	review	review	VERB
fsr-3204	12	14	23	23	NUM
fsr-3204	12	15	(	(	PUNCT
fsr-3204	12	16	2014	2014	NUM
fsr-3204	12	17	)	)	PUNCT
fsr-3204	12	18	305–324	305–324	NUM
fsr-3204	12	19	1057	1057	NUM
fsr-3204	12	20	-	-	SYM
fsr-3204	12	21	0810/14/$	0810/14/$	NUM
fsr-3204	12	22	–	–	PUNCT
fsr-3204	12	23	see	see	VERB
fsr-3204	12	24	front	front	ADJ
fsr-3204	12	25	matter	matter	NOUN
fsr-3204	13	1	©	©	PROPN
fsr-3204	13	2	2014	2014	NUM
fsr-3204	13	3	academy	academy	NOUN
fsr-3204	13	4	of	of	ADP
fsr-3204	13	5	financial	financial	ADJ
fsr-3204	13	6	services	service	NOUN
fsr-3204	13	7	.	.	PUNCT
fsr-3204	14	1	all	all	DET
fsr-3204	14	2	rights	right	NOUN
fsr-3204	14	3	reserved	reserve	VERB
fsr-3204	14	4	.	.	PUNCT
fsr-3204	15	1	many	many	ADJ
fsr-3204	15	2	retirement	retirement	NOUN
fsr-3204	15	3	plans	plan	NOUN
fsr-3204	15	4	continue	continue	VERB
fsr-3204	15	5	to	to	PART
fsr-3204	15	6	transition	transition	VERB
fsr-3204	15	7	from	from	ADP
fsr-3204	15	8	employer	employer	NOUN
fsr-3204	15	9	-	-	PUNCT
fsr-3204	15	10	managed	manage	VERB
fsr-3204	15	11	defined	define	VERB
fsr-3204	15	12	benefit	benefit	NOUN
fsr-3204	15	13	plans	plan	NOUN
fsr-3204	15	14	to	to	PART
fsr-3204	15	15	employee	employee	NOUN
fsr-3204	15	16	-	-	PUNCT
fsr-3204	15	17	managed	manage	VERB
fsr-3204	15	18	defined	define	VERB
fsr-3204	15	19	contribution	contribution	NOUN
fsr-3204	15	20	plans	plan	NOUN
fsr-3204	15	21	,	,	PUNCT
fsr-3204	15	22	consumers	consumer	NOUN
fsr-3204	15	23	are	be	AUX
fsr-3204	15	24	forced	force	VERB
fsr-3204	15	25	to	to	PART
fsr-3204	15	26	make	make	VERB
fsr-3204	15	27	their	their	PRON
fsr-3204	15	28	own	own	ADJ
fsr-3204	15	29	financial	financial	ADJ
fsr-3204	15	30	decisions	decision	NOUN
fsr-3204	15	31	.	.	PUNCT
fsr-3204	16	1	consumers	consumer	NOUN
fsr-3204	16	2	can	can	AUX
fsr-3204	16	3	make	make	VERB
fsr-3204	16	4	these	these	DET
fsr-3204	16	5	financial	financial	ADJ
fsr-3204	16	6	decisions	decision	NOUN
fsr-3204	16	7	themselves	themselves	PRON
fsr-3204	16	8	,	,	PUNCT
fsr-3204	16	9	or	or	CCONJ
fsr-3204	16	10	they	they	PRON
fsr-3204	16	11	can	can	AUX
fsr-3204	16	12	rely	rely	VERB
fsr-3204	16	13	on	on	SCONJ
fsr-3204	16	14	financial	financial	ADJ
fsr-3204	16	15	advisers	adviser	NOUN
fsr-3204	16	16	to	to	PART
fsr-3204	16	17	assist	assist	VERB
fsr-3204	16	18	them	they	PRON
fsr-3204	16	19	.	.	PUNCT
fsr-3204	17	1	as	as	SCONJ
fsr-3204	17	2	financial	financial	ADJ
fsr-3204	17	3	products	product	NOUN
fsr-3204	17	4	and	and	CCONJ
fsr-3204	17	5	decision	decision	NOUN
fsr-3204	17	6	-	-	PUNCT
fsr-3204	17	7	making	making	NOUN
fsr-3204	17	8	become	become	VERB
fsr-3204	17	9	more	more	ADV
fsr-3204	17	10	complex	complex	ADJ
fsr-3204	17	11	,	,	PUNCT
fsr-3204	17	12	an	an	DET
fsr-3204	17	13	increasing	increase	VERB
fsr-3204	17	14	proportion	proportion	NOUN
fsr-3204	17	15	of	of	ADP
fsr-3204	17	16	financial	financial	ADJ
fsr-3204	17	17	consumers	consumer	NOUN
fsr-3204	17	18	depend	depend	VERB
fsr-3204	17	19	on	on	ADP
fsr-3204	17	20	the	the	DET
fsr-3204	17	21	advice	advice	NOUN
fsr-3204	17	22	of	of	ADP
fsr-3204	17	23	financial	financial	ADJ
fsr-3204	17	24	professionals	professional	NOUN
fsr-3204	17	25	or	or	CCONJ
fsr-3204	17	26	advisers	adviser	NOUN
fsr-3204	17	27	.	.	PUNCT
fsr-3204	18	1	previous	previous	ADJ
fsr-3204	18	2	literature	literature	NOUN
fsr-3204	18	3	from	from	ADP
fsr-3204	18	4	the	the	DET
fsr-3204	18	5	late	late	ADJ
fsr-3204	18	6	1990s	1990	NOUN
fsr-3204	18	7	and	and	CCONJ
fsr-3204	18	8	early	early	ADJ
fsr-3204	18	9	2000s	2000s	NUM
fsr-3204	18	10	reports	report	VERB
fsr-3204	18	11	that	that	SCONJ
fsr-3204	18	12	between	between	ADP
fsr-3204	18	13	21	21	NUM
fsr-3204	18	14	%	%	NOUN
fsr-3204	18	15	and	and	CCONJ
fsr-3204	18	16	25	25	NUM
fsr-3204	18	17	%	%	NOUN
fsr-3204	18	18	of	of	ADP
fsr-3204	18	19	households	household	NOUN
fsr-3204	18	20	use	use	VERB
fsr-3204	18	21	financial	financial	ADJ
fsr-3204	18	22	advisers	adviser	NOUN
fsr-3204	18	23	(	(	PUNCT
fsr-3204	18	24	elmerick	elmerick	PROPN
fsr-3204	18	25	,	,	PUNCT
fsr-3204	18	26	montalto	montalto	NOUN
fsr-3204	18	27	,	,	PUNCT
fsr-3204	18	28	and	and	CCONJ
fsr-3204	18	29	fox	fox	PROPN
fsr-3204	18	30	,	,	PUNCT
fsr-3204	18	31	2002	2002	NUM
fsr-3204	18	32	;	;	PUNCT
fsr-3204	18	33	lin	lin	PROPN
fsr-3204	18	34	and	and	CCONJ
fsr-3204	18	35	lee	lee	PROPN
fsr-3204	18	36	,	,	PUNCT
fsr-3204	18	37	2004	2004	NUM
fsr-3204	18	38	)	)	PUNCT
fsr-3204	18	39	.	.	PUNCT
fsr-3204	19	1	however	however	ADV
fsr-3204	19	2	,	,	PUNCT
fsr-3204	19	3	the	the	DET
fsr-3204	19	4	2009	2009	NUM
fsr-3204	19	5	financial	financial	ADJ
fsr-3204	19	6	industry	industry	NOUN
fsr-3204	19	7	regulatory	regulatory	ADJ
fsr-3204	19	8	authority	authority	NOUN
fsr-3204	19	9	(	(	PUNCT
fsr-3204	19	10	finra	finra	NOUN
fsr-3204	19	11	)	)	PUNCT
fsr-3204	19	12	investor	investor	NOUN
fsr-3204	19	13	education	education	PROPN
fsr-3204	19	14	foundation	foundation	PROPN
fsr-3204	19	15	’s	’s	PART
fsr-3204	19	16	national	national	ADJ
fsr-3204	19	17	financial	financial	ADJ
fsr-3204	19	18	capability	capability	NOUN
fsr-3204	19	19	survey	survey	NOUN
fsr-3204	19	20	(	(	PUNCT
fsr-3204	19	21	nfcs	nfc	NOUN
fsr-3204	19	22	)	)	PUNCT
fsr-3204	19	23	shows	show	VERB
fsr-3204	19	24	that	that	SCONJ
fsr-3204	19	25	56.7	56.7	NUM
fsr-3204	19	26	%	%	NOUN
fsr-3204	19	27	of	of	ADP
fsr-3204	19	28	households	household	NOUN
fsr-3204	19	29	responding	respond	VERB
fsr-3204	19	30	to	to	ADP
fsr-3204	19	31	the	the	DET
fsr-3204	19	32	survey	survey	NOUN
fsr-3204	19	33	used	use	VERB
fsr-3204	19	34	a	a	DET
fsr-3204	19	35	financial	financial	ADJ
fsr-3204	19	36	adviser	adviser	NOUN
fsr-3204	19	37	between	between	ADP
fsr-3204	19	38	2004	2004	NUM
fsr-3204	19	39	and	and	CCONJ
fsr-3204	19	40	2009	2009	NUM
fsr-3204	19	41	.	.	PUNCT
fsr-3204	20	1	as	as	ADP
fsr-3204	20	2	an	an	DET
fsr-3204	20	3	increasing	increase	VERB
fsr-3204	20	4	number	number	NOUN
fsr-3204	20	5	of	of	ADP
fsr-3204	20	6	consumers	consumer	NOUN
fsr-3204	20	7	rely	rely	VERB
fsr-3204	20	8	on	on	ADP
fsr-3204	20	9	financial	financial	ADJ
fsr-3204	20	10	advisers	adviser	NOUN
fsr-3204	20	11	in	in	ADP
fsr-3204	20	12	their	their	PRON
fsr-3204	20	13	financial	financial	ADJ
fsr-3204	20	14	decision	decision	NOUN
fsr-3204	20	15	-	-	PUNCT
fsr-3204	20	16	making	making	NOUN
fsr-3204	20	17	,	,	PUNCT
fsr-3204	20	18	there	there	PRON
fsr-3204	20	19	has	have	AUX
fsr-3204	20	20	been	be	AUX
fsr-3204	20	21	an	an	DET
fsr-3204	20	22	increase	increase	NOUN
fsr-3204	20	23	in	in	ADP
fsr-3204	20	24	the	the	DET
fsr-3204	20	25	number	number	NOUN
fsr-3204	20	26	of	of	ADP
fsr-3204	20	27	people	people	NOUN
fsr-3204	20	28	offering	offer	VERB
fsr-3204	20	29	financial	financial	ADJ
fsr-3204	20	30	adviser	adviser	NOUN
fsr-3204	20	31	services	service	NOUN
fsr-3204	20	32	,	,	PUNCT
fsr-3204	20	33	making	make	VERB
fsr-3204	20	34	it	it	PRON
fsr-3204	20	35	imperative	imperative	ADJ
fsr-3204	20	36	that	that	SCONJ
fsr-3204	20	37	financial	financial	ADJ
fsr-3204	20	38	consumers	consumer	NOUN
fsr-3204	20	39	spend	spend	VERB
fsr-3204	20	40	time	time	NOUN
fsr-3204	20	41	in	in	ADP
fsr-3204	20	42	selecting	select	VERB
fsr-3204	20	43	a	a	DET
fsr-3204	20	44	financial	financial	ADJ
fsr-3204	20	45	adviser	adviser	NOUN
fsr-3204	20	46	who	who	PRON
fsr-3204	20	47	can	can	AUX
fsr-3204	20	48	best	well	ADV
fsr-3204	20	49	serve	serve	VERB
fsr-3204	20	50	their	their	PRON
fsr-3204	20	51	needs	need	NOUN
fsr-3204	20	52	.	.	PUNCT
fsr-3204	21	1	consumers	consumer	NOUN
fsr-3204	21	2	have	have	VERB
fsr-3204	21	3	the	the	DET
fsr-3204	21	4	ability	ability	NOUN
fsr-3204	21	5	to	to	PART
fsr-3204	21	6	verify	verify	VERB
fsr-3204	21	7	that	that	SCONJ
fsr-3204	21	8	financial	financial	ADJ
fsr-3204	21	9	advisers	adviser	NOUN
fsr-3204	21	10	are	be	AUX
fsr-3204	21	11	licensed	license	VERB
fsr-3204	21	12	or	or	CCONJ
fsr-3204	21	13	registered	register	VERB
fsr-3204	21	14	,	,	PUNCT
fsr-3204	21	15	determine	determine	VERB
fsr-3204	21	16	if	if	SCONJ
fsr-3204	21	17	they	they	PRON
fsr-3204	21	18	have	have	AUX
fsr-3204	21	19	been	be	AUX
fsr-3204	21	20	involved	involve	VERB
fsr-3204	21	21	in	in	ADP
fsr-3204	21	22	professional	professional	ADJ
fsr-3204	21	23	misconduct	misconduct	NOUN
fsr-3204	21	24	,	,	PUNCT
fsr-3204	21	25	and	and	CCONJ
fsr-3204	21	26	ensure	ensure	VERB
fsr-3204	21	27	that	that	SCONJ
fsr-3204	21	28	they	they	PRON
fsr-3204	21	29	have	have	VERB
fsr-3204	21	30	adequate	adequate	ADJ
fsr-3204	21	31	education	education	NOUN
fsr-3204	21	32	and	and	CCONJ
fsr-3204	21	33	professional	professional	ADJ
fsr-3204	21	34	experience	experience	NOUN
fsr-3204	21	35	to	to	PART
fsr-3204	21	36	give	give	VERB
fsr-3204	21	37	a	a	DET
fsr-3204	21	38	reasonable	reasonable	ADJ
fsr-3204	21	39	assurance	assurance	NOUN
fsr-3204	21	40	about	about	ADP
fsr-3204	21	41	the	the	DET
fsr-3204	21	42	adviser	adviser	NOUN
fsr-3204	21	43	’s	’s	PART
fsr-3204	21	44	competence	competence	NOUN
fsr-3204	21	45	,	,	PUNCT
fsr-3204	21	46	conduct	conduct	NOUN
fsr-3204	21	47	,	,	PUNCT
fsr-3204	21	48	and	and	CCONJ
fsr-3204	21	49	reliability.1	reliability.1	VERB
fsr-3204	21	50	some	some	PRON
fsr-3204	21	51	of	of	ADP
fsr-3204	21	52	this	this	DET
fsr-3204	21	53	information	information	NOUN
fsr-3204	21	54	can	can	AUX
fsr-3204	21	55	be	be	AUX
fsr-3204	21	56	obtained	obtain	VERB
fsr-3204	21	57	from	from	ADP
fsr-3204	21	58	the	the	DET
fsr-3204	21	59	securities	securities	PROPN
fsr-3204	21	60	and	and	CCONJ
fsr-3204	21	61	exchange	exchange	PROPN
fsr-3204	21	62	commission	commission	PROPN
fsr-3204	21	63	(	(	PUNCT
fsr-3204	21	64	sec	sec	PROPN
fsr-3204	21	65	)	)	PUNCT
fsr-3204	21	66	.	.	PUNCT
fsr-3204	22	1	organizations	organization	NOUN
fsr-3204	22	2	such	such	ADJ
fsr-3204	22	3	as	as	ADP
fsr-3204	22	4	aarp,2	aarp,2	NOUN
fsr-3204	22	5	individual	individual	ADJ
fsr-3204	22	6	state	state	NOUN
fsr-3204	22	7	agencies,3	agencies,3	NOUN
fsr-3204	22	8	and	and	CCONJ
fsr-3204	22	9	the	the	DET
fsr-3204	22	10	certified	certify	VERB
fsr-3204	22	11	financial	financial	ADJ
fsr-3204	22	12	planner	planner	NOUN
fsr-3204	22	13	(	(	PUNCT
fsr-3204	22	14	cfp	cfp	PROPN
fsr-3204	22	15	)	)	PUNCT
fsr-3204	22	16	board4	board4	PROPN
fsr-3204	22	17	provide	provide	VERB
fsr-3204	22	18	information	information	NOUN
fsr-3204	22	19	regarding	regard	VERB
fsr-3204	22	20	how	how	SCONJ
fsr-3204	22	21	to	to	PART
fsr-3204	22	22	conduct	conduct	VERB
fsr-3204	22	23	background	background	NOUN
fsr-3204	22	24	checks	check	NOUN
fsr-3204	22	25	and	and	CCONJ
fsr-3204	22	26	what	what	PRON
fsr-3204	22	27	should	should	AUX
fsr-3204	22	28	be	be	AUX
fsr-3204	22	29	considered	consider	VERB
fsr-3204	22	30	.	.	PUNCT
fsr-3204	23	1	despite	despite	SCONJ
fsr-3204	23	2	the	the	DET
fsr-3204	23	3	availability	availability	NOUN
fsr-3204	23	4	of	of	ADP
fsr-3204	23	5	this	this	DET
fsr-3204	23	6	information	information	NOUN
fsr-3204	23	7	to	to	PART
fsr-3204	23	8	facilitate	facilitate	VERB
fsr-3204	23	9	financial	financial	ADJ
fsr-3204	23	10	adviser	adviser	NOUN
fsr-3204	23	11	background	background	NOUN
fsr-3204	23	12	checks	check	NOUN
fsr-3204	23	13	,	,	PUNCT
fsr-3204	23	14	we	we	PRON
fsr-3204	23	15	find	find	VERB
fsr-3204	23	16	that	that	SCONJ
fsr-3204	23	17	only	only	ADV
fsr-3204	23	18	14.2	14.2	NUM
fsr-3204	23	19	%	%	NOUN
fsr-3204	23	20	of	of	ADP
fsr-3204	23	21	financial	financial	ADJ
fsr-3204	23	22	consumers	consumer	NOUN
fsr-3204	23	23	responding	respond	VERB
fsr-3204	23	24	to	to	ADP
fsr-3204	23	25	the	the	DET
fsr-3204	23	26	nfcs	nfcs	PROPN
fsr-3204	23	27	survey	survey	NOUN
fsr-3204	23	28	who	who	PRON
fsr-3204	23	29	have	have	AUX
fsr-3204	23	30	used	use	VERB
fsr-3204	23	31	financial	financial	ADJ
fsr-3204	23	32	advisers	adviser	NOUN
fsr-3204	23	33	have	have	AUX
fsr-3204	23	34	checked	check	VERB
fsr-3204	23	35	the	the	DET
fsr-3204	23	36	background	background	NOUN
fsr-3204	23	37	of	of	ADP
fsr-3204	23	38	a	a	DET
fsr-3204	23	39	financial	financial	ADJ
fsr-3204	23	40	adviser	adviser	NOUN
fsr-3204	23	41	in	in	ADP
fsr-3204	23	42	the	the	DET
fsr-3204	23	43	last	last	ADJ
fsr-3204	23	44	five	five	NUM
fsr-3204	23	45	years	year	NOUN
fsr-3204	23	46	.	.	PUNCT
fsr-3204	24	1	however	however	ADV
fsr-3204	24	2	,	,	PUNCT
fsr-3204	24	3	we	we	PRON
fsr-3204	24	4	find	find	VERB
fsr-3204	24	5	that	that	SCONJ
fsr-3204	24	6	nearly	nearly	ADV
fsr-3204	24	7	46	46	NUM
fsr-3204	24	8	%	%	NOUN
fsr-3204	24	9	responded	respond	VERB
fsr-3204	24	10	that	that	SCONJ
fsr-3204	24	11	they	they	PRON
fsr-3204	24	12	considered	consider	VERB
fsr-3204	24	13	more	more	ADJ
fsr-3204	24	14	than	than	ADP
fsr-3204	24	15	one	one	NUM
fsr-3204	24	16	adviser	adviser	NOUN
fsr-3204	24	17	before	before	ADP
fsr-3204	24	18	making	make	VERB
fsr-3204	24	19	a	a	DET
fsr-3204	24	20	choice	choice	NOUN
fsr-3204	24	21	,	,	PUNCT
fsr-3204	24	22	indicating	indicate	VERB
fsr-3204	24	23	they	they	PRON
fsr-3204	24	24	see	see	VERB
fsr-3204	24	25	the	the	DET
fsr-3204	24	26	importance	importance	NOUN
fsr-3204	24	27	associated	associate	VERB
fsr-3204	24	28	with	with	ADP
fsr-3204	24	29	choosing	choose	VERB
fsr-3204	24	30	a	a	DET
fsr-3204	24	31	competent	competent	ADJ
fsr-3204	24	32	financial	financial	ADJ
fsr-3204	24	33	adviser	adviser	NOUN
fsr-3204	24	34	.	.	PUNCT
fsr-3204	25	1	to	to	ADP
fsr-3204	25	2	the	the	DET
fsr-3204	25	3	best	good	ADJ
fsr-3204	25	4	of	of	ADP
fsr-3204	25	5	our	our	PRON
fsr-3204	25	6	knowledge	knowledge	NOUN
fsr-3204	25	7	,	,	PUNCT
fsr-3204	25	8	there	there	PRON
fsr-3204	25	9	is	be	VERB
fsr-3204	25	10	no	no	DET
fsr-3204	25	11	academic	academic	ADJ
fsr-3204	25	12	study	study	NOUN
fsr-3204	25	13	regarding	regard	VERB
fsr-3204	25	14	financial	financial	ADJ
fsr-3204	25	15	adviser	adviser	NOUN
fsr-3204	25	16	background	background	NOUN
fsr-3204	25	17	checks	check	NOUN
fsr-3204	25	18	.	.	PUNCT
fsr-3204	26	1	our	our	PRON
fsr-3204	26	2	study	study	NOUN
fsr-3204	26	3	fills	fill	VERB
fsr-3204	26	4	this	this	DET
fsr-3204	26	5	gap	gap	NOUN
fsr-3204	26	6	while	while	SCONJ
fsr-3204	26	7	also	also	ADV
fsr-3204	26	8	adding	add	VERB
fsr-3204	26	9	to	to	ADP
fsr-3204	26	10	the	the	DET
fsr-3204	26	11	growing	grow	VERB
fsr-3204	26	12	body	body	NOUN
fsr-3204	26	13	of	of	ADP
fsr-3204	26	14	literature	literature	NOUN
fsr-3204	26	15	pertaining	pertain	VERB
fsr-3204	26	16	to	to	ADP
fsr-3204	26	17	financial	financial	ADJ
fsr-3204	26	18	advisers	adviser	NOUN
fsr-3204	26	19	and	and	CCONJ
fsr-3204	26	20	financial	financial	ADJ
fsr-3204	26	21	consumer	consumer	NOUN
fsr-3204	26	22	decision	decision	NOUN
fsr-3204	26	23	-	-	PUNCT
fsr-3204	26	24	making	making	NOUN
fsr-3204	26	25	(	(	PUNCT
fsr-3204	26	26	elmerick	elmerick	NOUN
fsr-3204	26	27	et	et	PROPN
fsr-3204	26	28	al	al	PROPN
fsr-3204	26	29	.	.	PROPN
fsr-3204	26	30	,	,	PUNCT
fsr-3204	26	31	2002	2002	NUM
fsr-3204	26	32	;	;	PUNCT
fsr-3204	26	33	finke	finke	PROPN
fsr-3204	26	34	,	,	PUNCT
fsr-3204	26	35	huston	huston	PROPN
fsr-3204	26	36	,	,	PUNCT
fsr-3204	26	37	and	and	CCONJ
fsr-3204	26	38	waller	waller	PROPN
fsr-3204	26	39	,	,	PUNCT
fsr-3204	26	40	2009	2009	NUM
fsr-3204	26	41	;	;	PUNCT
fsr-3204	26	42	lachance	lachance	NOUN
fsr-3204	26	43	and	and	CCONJ
fsr-3204	26	44	tang	tang	PROPN
fsr-3204	26	45	,	,	PUNCT
fsr-3204	26	46	2012	2012	NUM
fsr-3204	26	47	;	;	PUNCT
fsr-3204	26	48	ligon	ligon	PROPN
fsr-3204	26	49	,	,	PUNCT
fsr-3204	26	50	2003	2003	NUM
fsr-3204	26	51	;	;	PUNCT
fsr-3204	26	52	lin	lin	PROPN
fsr-3204	26	53	et	et	PROPN
fsr-3204	26	54	al	al	PROPN
fsr-3204	26	55	.	.	PROPN
fsr-3204	26	56	,	,	PUNCT
fsr-3204	26	57	2004	2004	NUM
fsr-3204	26	58	;	;	PUNCT
fsr-3204	26	59	jones	jones	PROPN
fsr-3204	26	60	,	,	PUNCT
fsr-3204	26	61	lesseig	lesseig	PROPN
fsr-3204	26	62	,	,	PUNCT
fsr-3204	26	63	and	and	CCONJ
fsr-3204	26	64	smythe	smythe	NOUN
fsr-3204	26	65	,	,	PUNCT
fsr-3204	26	66	2005	2005	NUM
fsr-3204	26	67	)	)	PUNCT
fsr-3204	26	68	.	.	PUNCT
fsr-3204	27	1	using	use	VERB
fsr-3204	27	2	the	the	DET
fsr-3204	27	3	nfcs	nfcs	PROPN
fsr-3204	27	4	survey	survey	NOUN
fsr-3204	27	5	,	,	PUNCT
fsr-3204	27	6	we	we	PRON
fsr-3204	27	7	identify	identify	VERB
fsr-3204	27	8	the	the	DET
fsr-3204	27	9	characteristics	characteristic	NOUN
fsr-3204	27	10	of	of	ADP
fsr-3204	27	11	consumers	consumer	NOUN
fsr-3204	27	12	who	who	PRON
fsr-3204	27	13	have	have	AUX
fsr-3204	27	14	conducted	conduct	VERB
fsr-3204	27	15	a	a	DET
fsr-3204	27	16	background	background	NOUN
fsr-3204	27	17	check	check	NOUN
fsr-3204	27	18	of	of	ADP
fsr-3204	27	19	a	a	DET
fsr-3204	27	20	financial	financial	ADJ
fsr-3204	27	21	adviser	adviser	NOUN
fsr-3204	27	22	in	in	ADP
fsr-3204	27	23	the	the	DET
fsr-3204	27	24	last	last	ADJ
fsr-3204	27	25	five	five	NUM
fsr-3204	27	26	years	year	NOUN
fsr-3204	27	27	and/or	and/or	CCONJ
fsr-3204	27	28	considered	consider	VERB
fsr-3204	27	29	more	more	ADJ
fsr-3204	27	30	than	than	ADP
fsr-3204	27	31	one	one	NUM
fsr-3204	27	32	financial	financial	ADJ
fsr-3204	27	33	adviser	adviser	NOUN
fsr-3204	27	34	before	before	ADP
fsr-3204	27	35	making	make	VERB
fsr-3204	27	36	a	a	DET
fsr-3204	27	37	choice	choice	NOUN
fsr-3204	27	38	.	.	PUNCT
fsr-3204	28	1	we	we	PRON
fsr-3204	28	2	also	also	ADV
fsr-3204	28	3	consider	consider	VERB
fsr-3204	28	4	if	if	SCONJ
fsr-3204	28	5	these	these	DET
fsr-3204	28	6	activities	activity	NOUN
fsr-3204	28	7	improve	improve	VERB
fsr-3204	28	8	the	the	DET
fsr-3204	28	9	level	level	NOUN
fsr-3204	28	10	of	of	ADP
fsr-3204	28	11	trust	trust	NOUN
fsr-3204	28	12	financial	financial	ADJ
fsr-3204	28	13	consumers	consumer	NOUN
fsr-3204	28	14	have	have	VERB
fsr-3204	28	15	in	in	ADP
fsr-3204	28	16	their	their	PRON
fsr-3204	28	17	financial	financial	ADJ
fsr-3204	28	18	advisers.5	advisers.5	NOUN
fsr-3204	28	19	throughout	throughout	ADP
fsr-3204	28	20	our	our	PRON
fsr-3204	28	21	analysis	analysis	NOUN
fsr-3204	28	22	we	we	PRON
fsr-3204	28	23	consider	consider	VERB
fsr-3204	28	24	five	five	NUM
fsr-3204	28	25	different	different	ADJ
fsr-3204	28	26	types	type	NOUN
fsr-3204	28	27	of	of	ADP
fsr-3204	28	28	financial	financial	ADJ
fsr-3204	28	29	advisers	adviser	NOUN
fsr-3204	28	30	to	to	PART
fsr-3204	28	31	include	include	VERB
fsr-3204	28	32	debt	debt	NOUN
fsr-3204	28	33	counselors	counselor	NOUN
fsr-3204	28	34	,	,	PUNCT
fsr-3204	28	35	savings	saving	NOUN
fsr-3204	28	36	and	and	CCONJ
fsr-3204	28	37	investments	investment	NOUN
fsr-3204	28	38	,	,	PUNCT
fsr-3204	28	39	mortgage	mortgage	NOUN
fsr-3204	28	40	and	and	CCONJ
fsr-3204	28	41	loan	loan	NOUN
fsr-3204	28	42	,	,	PUNCT
fsr-3204	28	43	insurance	insurance	NOUN
fsr-3204	28	44	,	,	PUNCT
fsr-3204	28	45	and	and	CCONJ
fsr-3204	28	46	tax	tax	NOUN
fsr-3204	28	47	planning	planning	NOUN
fsr-3204	28	48	advisers	adviser	NOUN
fsr-3204	28	49	.	.	PUNCT
fsr-3204	29	1	our	our	PRON
fsr-3204	29	2	article	article	NOUN
fsr-3204	29	3	is	be	AUX
fsr-3204	29	4	structured	structure	VERB
fsr-3204	29	5	as	as	SCONJ
fsr-3204	29	6	follows	follow	VERB
fsr-3204	29	7	.	.	PUNCT
fsr-3204	30	1	we	we	PRON
fsr-3204	30	2	provide	provide	VERB
fsr-3204	30	3	an	an	DET
fsr-3204	30	4	overview	overview	NOUN
fsr-3204	30	5	of	of	ADP
fsr-3204	30	6	the	the	DET
fsr-3204	30	7	background	background	NOUN
fsr-3204	30	8	check	check	NOUN
fsr-3204	30	9	systems	system	NOUN
fsr-3204	30	10	available	available	ADJ
fsr-3204	30	11	for	for	ADP
fsr-3204	30	12	financial	financial	ADJ
fsr-3204	30	13	consumers	consumer	NOUN
fsr-3204	30	14	in	in	ADP
fsr-3204	30	15	section	section	NOUN
fsr-3204	30	16	2	2	NUM
fsr-3204	30	17	.	.	PUNCT
fsr-3204	31	1	we	we	PRON
fsr-3204	31	2	explain	explain	VERB
fsr-3204	31	3	the	the	DET
fsr-3204	31	4	nfcs	nfcs	PROPN
fsr-3204	31	5	survey	survey	NOUN
fsr-3204	31	6	and	and	CCONJ
fsr-3204	31	7	methodology	methodology	NOUN
fsr-3204	31	8	used	use	VERB
fsr-3204	31	9	in	in	ADP
fsr-3204	31	10	our	our	PRON
fsr-3204	31	11	analysis	analysis	NOUN
fsr-3204	31	12	in	in	ADP
fsr-3204	31	13	section	section	NOUN
fsr-3204	31	14	3	3	NUM
fsr-3204	31	15	,	,	PUNCT
fsr-3204	31	16	and	and	CCONJ
fsr-3204	31	17	present	present	ADJ
fsr-3204	31	18	empirical	empirical	ADJ
fsr-3204	31	19	results	result	NOUN
fsr-3204	31	20	in	in	ADP
fsr-3204	31	21	section	section	NOUN
fsr-3204	31	22	4	4	NUM
fsr-3204	31	23	.	.	PUNCT
fsr-3204	32	1	we	we	PRON
fsr-3204	32	2	summarize	summarize	VERB
fsr-3204	32	3	and	and	CCONJ
fsr-3204	32	4	conclude	conclude	VERB
fsr-3204	32	5	in	in	ADP
fsr-3204	32	6	section	section	NOUN
fsr-3204	32	7	5	5	NUM
fsr-3204	32	8	.	.	SYM
fsr-3204	32	9	306	306	NUM
fsr-3204	32	10	b.	b.	PROPN
fsr-3204	32	11	balasubramnian	balasubramnian	PROPN
fsr-3204	32	12	et	et	PROPN
fsr-3204	32	13	al	al	PROPN
fsr-3204	32	14	.	.	PUNCT
fsr-3204	32	15	/	/	SYM
fsr-3204	32	16	financial	financial	ADJ
fsr-3204	32	17	services	service	NOUN
fsr-3204	32	18	review	review	VERB
fsr-3204	32	19	23	23	NUM
fsr-3204	32	20	(	(	PUNCT
fsr-3204	32	21	2014	2014	NUM
fsr-3204	32	22	)	)	PUNCT
fsr-3204	32	23	305–324	305–324	NUM
fsr-3204	32	24	2	2	NUM
fsr-3204	32	25	.	.	PUNCT
fsr-3204	32	26	background	background	NOUN
fsr-3204	32	27	information	information	NOUN
fsr-3204	32	28	based	base	VERB
fsr-3204	32	29	on	on	ADP
fsr-3204	32	30	the	the	DET
fsr-3204	32	31	investment	investment	NOUN
fsr-3204	32	32	advisers	adviser	NOUN
fsr-3204	32	33	act	act	VERB
fsr-3204	32	34	,	,	PUNCT
fsr-3204	32	35	1940	1940	NUM
fsr-3204	32	36	,	,	PUNCT
fsr-3204	32	37	sec	sec	PROPN
fsr-3204	32	38	.	.	PROPN
fsr-3204	32	39	211	211	NUM
fsr-3204	32	40	(	(	PUNCT
fsr-3204	32	41	g	g	NOUN
fsr-3204	32	42	)	)	PUNCT
fsr-3204	32	43	(	(	PUNCT
fsr-3204	32	44	1	1	NUM
fsr-3204	32	45	)	)	PUNCT
fsr-3204	32	46	,	,	PUNCT
fsr-3204	32	47	investment	investment	NOUN
fsr-3204	32	48	advisers	adviser	NOUN
fsr-3204	32	49	are	be	AUX
fsr-3204	32	50	required	require	VERB
fsr-3204	32	51	to	to	PART
fsr-3204	32	52	register	register	VERB
fsr-3204	32	53	with	with	ADP
fsr-3204	32	54	the	the	DET
fsr-3204	32	55	sec	sec	PROPN
fsr-3204	32	56	,	,	PUNCT
fsr-3204	32	57	or	or	CCONJ
fsr-3204	32	58	with	with	ADP
fsr-3204	32	59	state	state	NOUN
fsr-3204	32	60	agencies	agency	NOUN
fsr-3204	32	61	,	,	PUNCT
fsr-3204	32	62	based	base	VERB
fsr-3204	32	63	on	on	ADP
fsr-3204	32	64	the	the	DET
fsr-3204	32	65	level	level	NOUN
fsr-3204	32	66	of	of	ADP
fsr-3204	32	67	assets	asset	NOUN
fsr-3204	32	68	they	they	PRON
fsr-3204	32	69	manage	manage	VERB
fsr-3204	32	70	.	.	PUNCT
fsr-3204	33	1	these	these	DET
fsr-3204	33	2	registered	register	VERB
fsr-3204	33	3	investment	investment	NOUN
fsr-3204	33	4	advisers	adviser	NOUN
fsr-3204	33	5	have	have	VERB
fsr-3204	33	6	fiduciary	fiduciary	ADJ
fsr-3204	33	7	responsibilities	responsibility	NOUN
fsr-3204	33	8	meaning	mean	VERB
fsr-3204	33	9	they	they	PRON
fsr-3204	33	10	must	must	AUX
fsr-3204	33	11	act	act	VERB
fsr-3204	33	12	in	in	ADP
fsr-3204	33	13	the	the	DET
fsr-3204	33	14	best	good	ADJ
fsr-3204	33	15	interest	interest	NOUN
fsr-3204	33	16	of	of	ADP
fsr-3204	33	17	their	their	PRON
fsr-3204	33	18	clients	client	NOUN
fsr-3204	33	19	,	,	PUNCT
fsr-3204	33	20	and	and	CCONJ
fsr-3204	33	21	disclose	disclose	VERB
fsr-3204	33	22	any	any	DET
fsr-3204	33	23	conflict	conflict	NOUN
fsr-3204	33	24	of	of	ADP
fsr-3204	33	25	interest	interest	NOUN
fsr-3204	33	26	they	they	PRON
fsr-3204	33	27	may	may	AUX
fsr-3204	33	28	have	have	VERB
fsr-3204	33	29	to	to	ADP
fsr-3204	33	30	their	their	PRON
fsr-3204	33	31	clients	client	NOUN
fsr-3204	33	32	.	.	PUNCT
fsr-3204	34	1	what	what	PRON
fsr-3204	34	2	is	be	AUX
fsr-3204	34	3	troubling	troubling	ADJ
fsr-3204	34	4	is	be	AUX
fsr-3204	34	5	that	that	SCONJ
fsr-3204	34	6	not	not	PART
fsr-3204	34	7	all	all	DET
fsr-3204	34	8	types	type	NOUN
fsr-3204	34	9	of	of	ADP
fsr-3204	34	10	financial	financial	ADJ
fsr-3204	34	11	professionals	professional	NOUN
fsr-3204	34	12	performing	perform	VERB
fsr-3204	34	13	financial	financial	ADJ
fsr-3204	34	14	services	service	NOUN
fsr-3204	34	15	have	have	VERB
fsr-3204	34	16	fiduciary	fiduciary	ADJ
fsr-3204	34	17	responsibilities	responsibility	NOUN
fsr-3204	34	18	.	.	PUNCT
fsr-3204	35	1	for	for	ADP
fsr-3204	35	2	example	example	NOUN
fsr-3204	35	3	,	,	PUNCT
fsr-3204	35	4	registered	register	VERB
fsr-3204	35	5	investment	investment	NOUN
fsr-3204	35	6	advisers	adviser	NOUN
fsr-3204	35	7	have	have	VERB
fsr-3204	35	8	fiduciary	fiduciary	ADJ
fsr-3204	35	9	responsibilities	responsibility	NOUN
fsr-3204	35	10	,	,	PUNCT
fsr-3204	35	11	but	but	CCONJ
fsr-3204	35	12	brokers	broker	NOUN
fsr-3204	35	13	do	do	AUX
fsr-3204	35	14	not	not	PART
fsr-3204	35	15	have	have	VERB
fsr-3204	35	16	this	this	DET
fsr-3204	35	17	higher	high	ADJ
fsr-3204	35	18	fiduciary	fiduciary	ADJ
fsr-3204	35	19	standard	standard	NOUN
fsr-3204	35	20	,	,	PUNCT
fsr-3204	35	21	only	only	ADV
fsr-3204	35	22	a	a	DET
fsr-3204	35	23	relatively	relatively	ADV
fsr-3204	35	24	lower	low	ADJ
fsr-3204	35	25	“	"	PUNCT
fsr-3204	35	26	suitability	suitability	NOUN
fsr-3204	35	27	”	"	PUNCT
fsr-3204	35	28	standard.6	standard.6	PROPN
fsr-3204	35	29	some	some	DET
fsr-3204	35	30	financial	financial	ADJ
fsr-3204	35	31	planners	planner	NOUN
fsr-3204	35	32	,	,	PUNCT
fsr-3204	35	33	such	such	ADJ
fsr-3204	35	34	as	as	ADP
fsr-3204	35	35	a	a	DET
fsr-3204	35	36	certified	certified	ADJ
fsr-3204	35	37	financial	financial	ADJ
fsr-3204	35	38	planner	planner	NOUN
fsr-3204	35	39	(	(	PUNCT
fsr-3204	35	40	cfp	cfp	NOUN
fsr-3204	35	41	)	)	PUNCT
fsr-3204	35	42	have	have	VERB
fsr-3204	35	43	fiduciary	fiduciary	ADJ
fsr-3204	35	44	responsibilities	responsibility	NOUN
fsr-3204	35	45	,	,	PUNCT
fsr-3204	35	46	but	but	CCONJ
fsr-3204	35	47	several	several	ADJ
fsr-3204	35	48	other	other	ADJ
fsr-3204	35	49	similar	similar	ADJ
fsr-3204	35	50	designations	designation	NOUN
fsr-3204	35	51	do	do	VERB
fsr-3204	35	52	not	not	PART
fsr-3204	35	53	.	.	PUNCT
fsr-3204	36	1	the	the	DET
fsr-3204	36	2	dodd	dodd	PROPN
fsr-3204	36	3	-	-	PUNCT
fsr-3204	36	4	frank	frank	PROPN
fsr-3204	36	5	act	act	PROPN
fsr-3204	36	6	,	,	PUNCT
fsr-3204	36	7	2010	2010	NUM
fsr-3204	36	8	,	,	PUNCT
fsr-3204	36	9	section	section	NOUN
fsr-3204	36	10	913	913	NUM
fsr-3204	36	11	requires	require	VERB
fsr-3204	36	12	the	the	DET
fsr-3204	36	13	sec	sec	PROPN
fsr-3204	36	14	to	to	PART
fsr-3204	36	15	consider	consider	VERB
fsr-3204	36	16	changes	change	NOUN
fsr-3204	36	17	in	in	ADP
fsr-3204	36	18	how	how	SCONJ
fsr-3204	36	19	different	different	ADJ
fsr-3204	36	20	financial	financial	ADJ
fsr-3204	36	21	professional	professional	ADJ
fsr-3204	36	22	designations	designation	NOUN
fsr-3204	36	23	are	be	AUX
fsr-3204	36	24	required	require	VERB
fsr-3204	36	25	to	to	PART
fsr-3204	36	26	have	have	VERB
fsr-3204	36	27	fiduciary	fiduciary	ADJ
fsr-3204	36	28	responsibilities	responsibility	NOUN
fsr-3204	36	29	with	with	ADP
fsr-3204	36	30	their	their	PRON
fsr-3204	36	31	clients	client	NOUN
fsr-3204	36	32	.	.	PUNCT
fsr-3204	37	1	the	the	DET
fsr-3204	37	2	sec	sec	PROPN
fsr-3204	37	3	is	be	AUX
fsr-3204	37	4	currently	currently	ADV
fsr-3204	37	5	in	in	ADP
fsr-3204	37	6	the	the	DET
fsr-3204	37	7	process	process	NOUN
fsr-3204	37	8	of	of	ADP
fsr-3204	37	9	making	make	VERB
fsr-3204	37	10	new	new	ADJ
fsr-3204	37	11	rules	rule	NOUN
fsr-3204	37	12	for	for	ADP
fsr-3204	37	13	retail	retail	ADJ
fsr-3204	37	14	investors.7	investors.7	NOUN
fsr-3204	37	15	many	many	ADJ
fsr-3204	37	16	financial	financial	ADJ
fsr-3204	37	17	consumers	consumer	NOUN
fsr-3204	37	18	are	be	AUX
fsr-3204	37	19	not	not	PART
fsr-3204	37	20	aware	aware	ADJ
fsr-3204	37	21	of	of	ADP
fsr-3204	37	22	these	these	DET
fsr-3204	37	23	subtle	subtle	ADJ
fsr-3204	37	24	legal	legal	ADJ
fsr-3204	37	25	differences	difference	NOUN
fsr-3204	37	26	.	.	PUNCT
fsr-3204	38	1	for	for	ADP
fsr-3204	38	2	example	example	NOUN
fsr-3204	38	3	,	,	PUNCT
fsr-3204	38	4	bernard	bernard	PROPN
fsr-3204	38	5	madoff	madoff	PROPN
fsr-3204	38	6	was	be	AUX
fsr-3204	38	7	a	a	DET
fsr-3204	38	8	registered	register	VERB
fsr-3204	38	9	broker	broker	NOUN
fsr-3204	38	10	-	-	PUNCT
fsr-3204	38	11	dealer	dealer	NOUN
fsr-3204	38	12	having	have	VERB
fsr-3204	38	13	a	a	DET
fsr-3204	38	14	significant	significant	ADJ
fsr-3204	38	15	amount	amount	NOUN
fsr-3204	38	16	of	of	ADP
fsr-3204	38	17	assets	asset	NOUN
fsr-3204	38	18	under	under	ADP
fsr-3204	38	19	management	management	NOUN
fsr-3204	38	20	,	,	PUNCT
fsr-3204	38	21	but	but	CCONJ
fsr-3204	38	22	he	he	PRON
fsr-3204	38	23	did	do	AUX
fsr-3204	38	24	not	not	PART
fsr-3204	38	25	register	register	VERB
fsr-3204	38	26	as	as	ADP
fsr-3204	38	27	an	an	DET
fsr-3204	38	28	investment	investment	NOUN
fsr-3204	38	29	adviser	adviser	NOUN
fsr-3204	38	30	until	until	SCONJ
fsr-3204	38	31	the	the	DET
fsr-3204	38	32	sec	sec	PROPN
fsr-3204	38	33	conducted	conduct	VERB
fsr-3204	38	34	an	an	DET
fsr-3204	38	35	investigation	investigation	NOUN
fsr-3204	38	36	in	in	ADP
fsr-3204	38	37	2004	2004	NUM
fsr-3204	38	38	.	.	PUNCT
fsr-3204	39	1	the	the	DET
fsr-3204	39	2	madoff	madoff	PROPN
fsr-3204	39	3	fraud	fraud	PROPN
fsr-3204	39	4	case	case	NOUN
fsr-3204	39	5	highlights	highlight	VERB
fsr-3204	39	6	the	the	DET
fsr-3204	39	7	fact	fact	NOUN
fsr-3204	39	8	that	that	SCONJ
fsr-3204	39	9	many	many	ADJ
fsr-3204	39	10	investors	investor	NOUN
fsr-3204	39	11	blindly	blindly	ADV
fsr-3204	39	12	trusted	trust	VERB
fsr-3204	39	13	him	he	PRON
fsr-3204	39	14	,	,	PUNCT
fsr-3204	39	15	not	not	PART
fsr-3204	39	16	realizing	realize	VERB
fsr-3204	39	17	he	he	PRON
fsr-3204	39	18	had	have	VERB
fsr-3204	39	19	no	no	DET
fsr-3204	39	20	fiduciary	fiduciary	ADJ
fsr-3204	39	21	responsibility	responsibility	NOUN
fsr-3204	39	22	towards	towards	ADP
fsr-3204	39	23	them	they	PRON
fsr-3204	39	24	.	.	PUNCT
fsr-3204	40	1	this	this	DET
fsr-3204	40	2	highlights	highlight	VERB
fsr-3204	40	3	how	how	SCONJ
fsr-3204	40	4	background	background	NOUN
fsr-3204	40	5	verification	verification	NOUN
fsr-3204	40	6	of	of	ADP
fsr-3204	40	7	financial	financial	ADJ
fsr-3204	40	8	advisers	adviser	NOUN
fsr-3204	40	9	is	be	AUX
fsr-3204	40	10	an	an	DET
fsr-3204	40	11	important	important	ADJ
fsr-3204	40	12	activity	activity	NOUN
fsr-3204	40	13	for	for	ADP
fsr-3204	40	14	financial	financial	ADJ
fsr-3204	40	15	consumers	consumer	NOUN
fsr-3204	40	16	.	.	PUNCT
fsr-3204	41	1	the	the	DET
fsr-3204	41	2	costs	cost	NOUN
fsr-3204	41	3	associated	associate	VERB
fsr-3204	41	4	with	with	ADP
fsr-3204	41	5	using	use	VERB
fsr-3204	41	6	financial	financial	ADJ
fsr-3204	41	7	advisers	adviser	NOUN
fsr-3204	41	8	are	be	AUX
fsr-3204	41	9	usually	usually	ADV
fsr-3204	41	10	transaction	transaction	NOUN
fsr-3204	41	11	fees	fee	NOUN
fsr-3204	41	12	or	or	CCONJ
fsr-3204	41	13	fees	fee	NOUN
fsr-3204	41	14	related	relate	VERB
fsr-3204	41	15	to	to	ADP
fsr-3204	41	16	total	total	ADJ
fsr-3204	41	17	assets	asset	NOUN
fsr-3204	41	18	under	under	ADP
fsr-3204	41	19	management	management	NOUN
fsr-3204	41	20	.	.	PUNCT
fsr-3204	42	1	because	because	SCONJ
fsr-3204	42	2	the	the	DET
fsr-3204	42	3	financial	financial	ADJ
fsr-3204	42	4	adviser	adviser	NOUN
fsr-3204	42	5	serves	serve	VERB
fsr-3204	42	6	as	as	ADP
fsr-3204	42	7	an	an	DET
fsr-3204	42	8	agent	agent	NOUN
fsr-3204	42	9	for	for	ADP
fsr-3204	42	10	the	the	DET
fsr-3204	42	11	consumer	consumer	NOUN
fsr-3204	42	12	(	(	PUNCT
fsr-3204	42	13	principal	principal	NOUN
fsr-3204	42	14	)	)	PUNCT
fsr-3204	42	15	there	there	PRON
fsr-3204	42	16	is	be	VERB
fsr-3204	42	17	also	also	ADV
fsr-3204	42	18	an	an	DET
fsr-3204	42	19	agency	agency	NOUN
fsr-3204	42	20	cost	cost	NOUN
fsr-3204	42	21	associated	associate	VERB
fsr-3204	42	22	with	with	ADP
fsr-3204	42	23	using	use	VERB
fsr-3204	42	24	financial	financial	ADJ
fsr-3204	42	25	advisers	adviser	NOUN
fsr-3204	42	26	.	.	PUNCT
fsr-3204	43	1	finke	finke	PROPN
fsr-3204	43	2	et	et	PROPN
fsr-3204	43	3	al	al	PROPN
fsr-3204	43	4	.	.	PROPN
fsr-3204	44	1	(	(	PUNCT
fsr-3204	44	2	2009	2009	NUM
fsr-3204	44	3	)	)	PUNCT
fsr-3204	44	4	categorize	categorize	VERB
fsr-3204	44	5	transaction	transaction	NOUN
fsr-3204	44	6	costs	cost	NOUN
fsr-3204	44	7	and	and	CCONJ
fsr-3204	44	8	asset	asset	NOUN
fsr-3204	44	9	management	management	NOUN
fsr-3204	44	10	fees	fee	NOUN
fsr-3204	44	11	as	as	ADP
fsr-3204	44	12	direct	direct	ADJ
fsr-3204	44	13	cost	cost	NOUN
fsr-3204	44	14	and	and	CCONJ
fsr-3204	44	15	the	the	DET
fsr-3204	44	16	additional	additional	ADJ
fsr-3204	44	17	agency	agency	NOUN
fsr-3204	44	18	monitoring	monitoring	NOUN
fsr-3204	44	19	costs	cost	NOUN
fsr-3204	44	20	as	as	ADP
fsr-3204	44	21	indirect	indirect	ADJ
fsr-3204	44	22	costs	cost	NOUN
fsr-3204	44	23	.	.	PUNCT
fsr-3204	45	1	jensen	jensen	PROPN
fsr-3204	45	2	and	and	CCONJ
fsr-3204	45	3	meckling	meckling	NOUN
fsr-3204	45	4	(	(	PUNCT
fsr-3204	45	5	1976	1976	NUM
fsr-3204	45	6	)	)	PUNCT
fsr-3204	45	7	subdivide	subdivide	VERB
fsr-3204	45	8	the	the	DET
fsr-3204	45	9	agency	agency	NOUN
fsr-3204	45	10	costs	cost	NOUN
fsr-3204	45	11	into	into	ADP
fsr-3204	45	12	monitoring	monitoring	NOUN
fsr-3204	45	13	costs	cost	NOUN
fsr-3204	45	14	,	,	PUNCT
fsr-3204	45	15	bonding	bonding	NOUN
fsr-3204	45	16	costs	cost	NOUN
fsr-3204	45	17	,	,	PUNCT
fsr-3204	45	18	and	and	CCONJ
fsr-3204	45	19	residual	residual	ADJ
fsr-3204	45	20	losses.8	losses.8	ADJ
fsr-3204	45	21	monitoring	monitoring	NOUN
fsr-3204	45	22	costs	cost	NOUN
fsr-3204	45	23	are	be	AUX
fsr-3204	45	24	incurred	incur	VERB
fsr-3204	45	25	by	by	ADP
fsr-3204	45	26	the	the	DET
fsr-3204	45	27	financial	financial	ADJ
fsr-3204	45	28	consumer	consumer	NOUN
fsr-3204	45	29	(	(	PUNCT
fsr-3204	45	30	principal	principal	NOUN
fsr-3204	45	31	)	)	PUNCT
fsr-3204	45	32	when	when	SCONJ
fsr-3204	45	33	they	they	PRON
fsr-3204	45	34	go	go	VERB
fsr-3204	45	35	through	through	ADP
fsr-3204	45	36	the	the	DET
fsr-3204	45	37	process	process	NOUN
fsr-3204	45	38	of	of	ADP
fsr-3204	45	39	checking	check	VERB
fsr-3204	45	40	the	the	DET
fsr-3204	45	41	background	background	NOUN
fsr-3204	45	42	of	of	ADP
fsr-3204	45	43	financial	financial	ADJ
fsr-3204	45	44	advisers	adviser	NOUN
fsr-3204	45	45	(	(	PUNCT
fsr-3204	45	46	agents	agent	NOUN
fsr-3204	45	47	)	)	PUNCT
fsr-3204	45	48	they	they	PRON
fsr-3204	45	49	are	be	AUX
fsr-3204	45	50	considering	consider	VERB
fsr-3204	45	51	,	,	PUNCT
fsr-3204	45	52	and/or	and/or	CCONJ
fsr-3204	45	53	consider	consider	VERB
fsr-3204	45	54	more	more	ADJ
fsr-3204	45	55	than	than	ADP
fsr-3204	45	56	one	one	NUM
fsr-3204	45	57	financial	financial	ADJ
fsr-3204	45	58	adviser	adviser	NOUN
fsr-3204	45	59	,	,	PUNCT
fsr-3204	45	60	before	before	ADP
fsr-3204	45	61	establishing	establish	VERB
fsr-3204	45	62	a	a	DET
fsr-3204	45	63	contractual	contractual	ADJ
fsr-3204	45	64	relationship	relationship	NOUN
fsr-3204	45	65	with	with	ADP
fsr-3204	45	66	a	a	DET
fsr-3204	45	67	single	single	ADJ
fsr-3204	45	68	adviser	adviser	NOUN
fsr-3204	45	69	.	.	PUNCT
fsr-3204	46	1	we	we	PRON
fsr-3204	46	2	will	will	AUX
fsr-3204	46	3	refer	refer	VERB
fsr-3204	46	4	to	to	ADP
fsr-3204	46	5	these	these	DET
fsr-3204	46	6	activities	activity	NOUN
fsr-3204	46	7	as	as	ADP
fsr-3204	46	8	pre	pre	ADJ
fsr-3204	46	9	-	-	NOUN
fsr-3204	46	10	selection	selection	NOUN
fsr-3204	46	11	monitoring	monitoring	NOUN
fsr-3204	46	12	to	to	PART
fsr-3204	46	13	indicate	indicate	VERB
fsr-3204	46	14	they	they	PRON
fsr-3204	46	15	occur	occur	VERB
fsr-3204	46	16	before	before	ADP
fsr-3204	46	17	choosing	choose	VERB
fsr-3204	46	18	a	a	DET
fsr-3204	46	19	financial	financial	ADJ
fsr-3204	46	20	adviser	adviser	NOUN
fsr-3204	46	21	.	.	PUNCT
fsr-3204	47	1	theory	theory	NOUN
fsr-3204	47	2	predicts	predict	VERB
fsr-3204	47	3	that	that	SCONJ
fsr-3204	47	4	the	the	DET
fsr-3204	47	5	financial	financial	ADJ
fsr-3204	47	6	consumer	consumer	NOUN
fsr-3204	47	7	(	(	PUNCT
fsr-3204	47	8	principal	principal	NOUN
fsr-3204	47	9	)	)	PUNCT
fsr-3204	47	10	will	will	AUX
fsr-3204	47	11	stop	stop	VERB
fsr-3204	47	12	monitoring	monitor	VERB
fsr-3204	47	13	their	their	PRON
fsr-3204	47	14	financial	financial	ADJ
fsr-3204	47	15	adviser	adviser	NOUN
fsr-3204	47	16	(	(	PUNCT
fsr-3204	47	17	agent	agent	NOUN
fsr-3204	47	18	)	)	PUNCT
fsr-3204	47	19	when	when	SCONJ
fsr-3204	47	20	the	the	DET
fsr-3204	47	21	marginal	marginal	ADJ
fsr-3204	47	22	costs	cost	NOUN
fsr-3204	47	23	of	of	ADP
fsr-3204	47	24	monitoring	monitor	VERB
fsr-3204	47	25	equal	equal	ADJ
fsr-3204	47	26	the	the	DET
fsr-3204	47	27	marginal	marginal	ADJ
fsr-3204	47	28	benefits	benefit	NOUN
fsr-3204	47	29	.	.	PUNCT
fsr-3204	48	1	if	if	SCONJ
fsr-3204	48	2	the	the	DET
fsr-3204	48	3	cost	cost	NOUN
fsr-3204	48	4	of	of	ADP
fsr-3204	48	5	searching	search	VERB
fsr-3204	48	6	for	for	ADP
fsr-3204	48	7	a	a	DET
fsr-3204	48	8	financial	financial	ADJ
fsr-3204	48	9	adviser	adviser	NOUN
fsr-3204	48	10	is	be	AUX
fsr-3204	48	11	likely	likely	ADJ
fsr-3204	48	12	to	to	PART
fsr-3204	48	13	be	be	AUX
fsr-3204	48	14	too	too	ADV
fsr-3204	48	15	high	high	ADJ
fsr-3204	48	16	in	in	ADP
fsr-3204	48	17	terms	term	NOUN
fsr-3204	48	18	of	of	ADP
fsr-3204	48	19	money	money	NOUN
fsr-3204	48	20	,	,	PUNCT
fsr-3204	48	21	time	time	NOUN
fsr-3204	48	22	,	,	PUNCT
fsr-3204	48	23	and	and	CCONJ
fsr-3204	48	24	effort	effort	NOUN
fsr-3204	48	25	it	it	PRON
fsr-3204	48	26	is	be	AUX
fsr-3204	48	27	very	very	ADV
fsr-3204	48	28	likely	likely	ADJ
fsr-3204	48	29	that	that	SCONJ
fsr-3204	48	30	pre	pre	ADJ
fsr-3204	48	31	-	-	NOUN
fsr-3204	48	32	selection	selection	ADJ
fsr-3204	48	33	monitoring	monitoring	NOUN
fsr-3204	48	34	will	will	AUX
fsr-3204	48	35	not	not	PART
fsr-3204	48	36	be	be	AUX
fsr-3204	48	37	completed	complete	VERB
fsr-3204	48	38	.	.	PUNCT
fsr-3204	49	1	prior	prior	ADJ
fsr-3204	49	2	literature	literature	PROPN
fsr-3204	49	3	considers	consider	VERB
fsr-3204	49	4	who	who	PRON
fsr-3204	49	5	actually	actually	ADV
fsr-3204	49	6	uses	use	VERB
fsr-3204	49	7	financial	financial	ADJ
fsr-3204	49	8	advisers	adviser	NOUN
fsr-3204	49	9	and	and	CCONJ
fsr-3204	49	10	what	what	DET
fsr-3204	49	11	types	type	NOUN
fsr-3204	49	12	of	of	ADP
fsr-3204	49	13	information	information	NOUN
fsr-3204	49	14	is	be	AUX
fsr-3204	49	15	used	use	VERB
fsr-3204	49	16	by	by	ADP
fsr-3204	49	17	financial	financial	ADJ
fsr-3204	49	18	consumers	consumer	NOUN
fsr-3204	49	19	when	when	SCONJ
fsr-3204	49	20	making	make	VERB
fsr-3204	49	21	financial	financial	ADJ
fsr-3204	49	22	decisions	decision	NOUN
fsr-3204	49	23	.	.	PUNCT
fsr-3204	50	1	elmerick	elmerick	VERB
fsr-3204	50	2	et	et	PROPN
fsr-3204	50	3	al	al	PROPN
fsr-3204	50	4	.	.	PUNCT
fsr-3204	51	1	(	(	PUNCT
fsr-3204	51	2	2002	2002	NUM
fsr-3204	51	3	)	)	PUNCT
fsr-3204	51	4	,	,	PUNCT
fsr-3204	51	5	using	use	VERB
fsr-3204	51	6	the	the	DET
fsr-3204	51	7	1998	1998	NUM
fsr-3204	51	8	survey	survey	NOUN
fsr-3204	51	9	of	of	ADP
fsr-3204	51	10	consumer	consumer	NOUN
fsr-3204	51	11	finances	finance	NOUN
fsr-3204	51	12	,	,	PUNCT
fsr-3204	51	13	find	find	VERB
fsr-3204	51	14	people	people	NOUN
fsr-3204	51	15	with	with	ADP
fsr-3204	51	16	higher	high	ADJ
fsr-3204	51	17	education	education	NOUN
fsr-3204	51	18	,	,	PUNCT
fsr-3204	51	19	income	income	NOUN
fsr-3204	51	20	,	,	PUNCT
fsr-3204	51	21	and	and	CCONJ
fsr-3204	51	22	personal	personal	ADJ
fsr-3204	51	23	net	net	ADJ
fsr-3204	51	24	worth	worth	NOUN
fsr-3204	51	25	are	be	AUX
fsr-3204	51	26	more	more	ADV
fsr-3204	51	27	likely	likely	ADJ
fsr-3204	51	28	to	to	PART
fsr-3204	51	29	use	use	VERB
fsr-3204	51	30	a	a	DET
fsr-3204	51	31	financial	financial	ADJ
fsr-3204	51	32	adviser	adviser	NOUN
fsr-3204	51	33	to	to	PART
fsr-3204	51	34	assist	assist	VERB
fsr-3204	51	35	them	they	PRON
fsr-3204	51	36	in	in	ADP
fsr-3204	51	37	making	make	VERB
fsr-3204	51	38	financial	financial	ADJ
fsr-3204	51	39	decisions	decision	NOUN
fsr-3204	51	40	.	.	PUNCT
fsr-3204	52	1	lin	lin	PROPN
fsr-3204	52	2	and	and	CCONJ
fsr-3204	52	3	lee	lee	PROPN
fsr-3204	52	4	(	(	PUNCT
fsr-3204	52	5	2004	2004	NUM
fsr-3204	52	6	)	)	PUNCT
fsr-3204	52	7	,	,	PUNCT
fsr-3204	52	8	using	use	VERB
fsr-3204	52	9	the	the	DET
fsr-3204	52	10	2000–2001	2000–2001	NUM
fsr-3204	52	11	macromonitor	macromonitor	NOUN
fsr-3204	52	12	dataset	dataset	NOUN
fsr-3204	52	13	,	,	PUNCT
fsr-3204	52	14	find	find	VERB
fsr-3204	52	15	that	that	SCONJ
fsr-3204	52	16	education	education	NOUN
fsr-3204	52	17	,	,	PUNCT
fsr-3204	52	18	income	income	NOUN
fsr-3204	52	19	,	,	PUNCT
fsr-3204	52	20	risk	risk	NOUN
fsr-3204	52	21	tolerance	tolerance	NOUN
fsr-3204	52	22	,	,	PUNCT
fsr-3204	52	23	and	and	CCONJ
fsr-3204	52	24	the	the	DET
fsr-3204	52	25	dollar	dollar	NOUN
fsr-3204	52	26	amount	amount	NOUN
fsr-3204	52	27	of	of	ADP
fsr-3204	52	28	investment	investment	NOUN
fsr-3204	52	29	positively	positively	ADV
fsr-3204	52	30	influence	influence	VERB
fsr-3204	52	31	financial	financial	ADJ
fsr-3204	52	32	consumer	consumer	NOUN
fsr-3204	52	33	’s	’s	PART
fsr-3204	52	34	information	information	NOUN
fsr-3204	52	35	search	search	NOUN
fsr-3204	52	36	behavior	behavior	NOUN
fsr-3204	52	37	to	to	PART
fsr-3204	52	38	include	include	VERB
fsr-3204	52	39	what	what	PRON
fsr-3204	52	40	specific	specific	ADJ
fsr-3204	52	41	information	information	NOUN
fsr-3204	52	42	sources	source	NOUN
fsr-3204	52	43	(	(	PUNCT
fsr-3204	52	44	i.e.	i.e.	X
fsr-3204	52	45	,	,	PUNCT
fsr-3204	52	46	internet	internet	NOUN
fsr-3204	52	47	,	,	PUNCT
fsr-3204	52	48	professional	professional	ADJ
fsr-3204	52	49	advisers	adviser	NOUN
fsr-3204	52	50	,	,	PUNCT
fsr-3204	52	51	etc	etc	X
fsr-3204	52	52	.	.	X
fsr-3204	52	53	)	)	PUNCT
fsr-3204	52	54	are	be	AUX
fsr-3204	52	55	used	use	VERB
fsr-3204	52	56	in	in	ADP
fsr-3204	52	57	helping	help	VERB
fsr-3204	52	58	make	make	VERB
fsr-3204	52	59	financial	financial	ADJ
fsr-3204	52	60	307b	307b	PROPN
fsr-3204	52	61	.	.	PUNCT
fsr-3204	53	1	balasubramnian	balasubramnian	PROPN
fsr-3204	53	2	et	et	PROPN
fsr-3204	53	3	al	al	PROPN
fsr-3204	53	4	.	.	PUNCT
fsr-3204	53	5	/	/	SYM
fsr-3204	53	6	financial	financial	ADJ
fsr-3204	53	7	services	service	NOUN
fsr-3204	53	8	review	review	VERB
fsr-3204	53	9	23	23	NUM
fsr-3204	53	10	(	(	PUNCT
fsr-3204	53	11	2014	2014	NUM
fsr-3204	53	12	)	)	PUNCT
fsr-3204	53	13	305–324	305–324	NUM
fsr-3204	53	14	decisions	decision	NOUN
fsr-3204	53	15	.	.	PUNCT
fsr-3204	54	1	lachance	lachance	NOUN
fsr-3204	54	2	and	and	CCONJ
fsr-3204	54	3	tang	tang	PROPN
fsr-3204	54	4	(	(	PUNCT
fsr-3204	54	5	2012	2012	NUM
fsr-3204	54	6	)	)	PUNCT
fsr-3204	54	7	,	,	PUNCT
fsr-3204	54	8	using	use	VERB
fsr-3204	54	9	the	the	DET
fsr-3204	54	10	2009	2009	NUM
fsr-3204	54	11	nfcs	nfc	NOUN
fsr-3204	54	12	survey	survey	NOUN
fsr-3204	54	13	,	,	PUNCT
fsr-3204	54	14	examine	examine	VERB
fsr-3204	54	15	determinants	determinant	NOUN
fsr-3204	54	16	of	of	ADP
fsr-3204	54	17	trust	trust	NOUN
fsr-3204	54	18	in	in	ADP
fsr-3204	54	19	financial	financial	ADJ
fsr-3204	54	20	professionals	professional	NOUN
fsr-3204	54	21	and	and	CCONJ
fsr-3204	54	22	the	the	DET
fsr-3204	54	23	impact	impact	NOUN
fsr-3204	54	24	that	that	PRON
fsr-3204	54	25	trust	trust	NOUN
fsr-3204	54	26	has	have	VERB
fsr-3204	54	27	on	on	ADP
fsr-3204	54	28	the	the	DET
fsr-3204	54	29	use	use	NOUN
fsr-3204	54	30	of	of	ADP
fsr-3204	54	31	financial	financial	ADJ
fsr-3204	54	32	advisers	adviser	NOUN
fsr-3204	54	33	.	.	PUNCT
fsr-3204	55	1	they	they	PRON
fsr-3204	55	2	find	find	VERB
fsr-3204	55	3	that	that	SCONJ
fsr-3204	55	4	trust	trust	NOUN
fsr-3204	55	5	declines	decline	VERB
fsr-3204	55	6	with	with	ADP
fsr-3204	55	7	age	age	NOUN
fsr-3204	55	8	and	and	CCONJ
fsr-3204	55	9	increases	increase	NOUN
fsr-3204	55	10	with	with	ADP
fsr-3204	55	11	willingness	willingness	NOUN
fsr-3204	55	12	to	to	PART
fsr-3204	55	13	take	take	VERB
fsr-3204	55	14	investment	investment	NOUN
fsr-3204	55	15	risk	risk	NOUN
fsr-3204	55	16	;	;	PUNCT
fsr-3204	55	17	having	have	VERB
fsr-3204	55	18	some	some	DET
fsr-3204	55	19	financial	financial	ADJ
fsr-3204	55	20	literacy	literacy	NOUN
fsr-3204	55	21	increases	increase	VERB
fsr-3204	55	22	trust	trust	NOUN
fsr-3204	55	23	but	but	CCONJ
fsr-3204	55	24	having	have	VERB
fsr-3204	55	25	too	too	ADV
fsr-3204	55	26	much	much	ADJ
fsr-3204	55	27	decreases	decrease	NOUN
fsr-3204	55	28	trust	trust	NOUN
fsr-3204	55	29	;	;	PUNCT
fsr-3204	55	30	and	and	CCONJ
fsr-3204	55	31	that	that	PRON
fsr-3204	55	32	trust	trust	NOUN
fsr-3204	55	33	and	and	CCONJ
fsr-3204	55	34	cost	cost	NOUN
fsr-3204	55	35	are	be	AUX
fsr-3204	55	36	the	the	DET
fsr-3204	55	37	two	two	NUM
fsr-3204	55	38	most	most	ADV
fsr-3204	55	39	important	important	ADJ
fsr-3204	55	40	determinants	determinant	NOUN
fsr-3204	55	41	of	of	ADP
fsr-3204	55	42	financial	financial	ADJ
fsr-3204	55	43	advice	advice	NOUN
fsr-3204	55	44	-	-	PUNCT
fsr-3204	55	45	seeking	seek	VERB
fsr-3204	55	46	behavior	behavior	NOUN
fsr-3204	55	47	.	.	PUNCT
fsr-3204	56	1	in	in	ADP
fsr-3204	56	2	this	this	DET
fsr-3204	56	3	article	article	NOUN
fsr-3204	56	4	we	we	PRON
fsr-3204	56	5	extend	extend	VERB
fsr-3204	56	6	this	this	DET
fsr-3204	56	7	prior	prior	ADJ
fsr-3204	56	8	literature	literature	NOUN
fsr-3204	56	9	by	by	ADP
fsr-3204	56	10	examining	examine	VERB
fsr-3204	56	11	the	the	DET
fsr-3204	56	12	characteristics	characteristic	NOUN
fsr-3204	56	13	associated	associate	VERB
fsr-3204	56	14	with	with	ADP
fsr-3204	56	15	financial	financial	ADJ
fsr-3204	56	16	consumers	consumer	NOUN
fsr-3204	56	17	who	who	PRON
fsr-3204	56	18	are	be	AUX
fsr-3204	56	19	willing	willing	ADJ
fsr-3204	56	20	to	to	PART
fsr-3204	56	21	incur	incur	VERB
fsr-3204	56	22	pre	pre	ADJ
fsr-3204	56	23	-	-	NOUN
fsr-3204	56	24	selection	selection	ADJ
fsr-3204	56	25	monitoring	monitoring	NOUN
fsr-3204	56	26	costs	cost	NOUN
fsr-3204	56	27	before	before	ADP
fsr-3204	56	28	establishing	establish	VERB
fsr-3204	56	29	a	a	DET
fsr-3204	56	30	contractual	contractual	ADJ
fsr-3204	56	31	relationship	relationship	NOUN
fsr-3204	56	32	with	with	ADP
fsr-3204	56	33	a	a	DET
fsr-3204	56	34	financial	financial	ADJ
fsr-3204	56	35	adviser	adviser	NOUN
fsr-3204	56	36	,	,	PUNCT
fsr-3204	56	37	and	and	CCONJ
fsr-3204	56	38	if	if	SCONJ
fsr-3204	56	39	pre	pre	ADJ
fsr-3204	56	40	-	-	NOUN
fsr-3204	56	41	selection	selection	ADJ
fsr-3204	56	42	monitoring	monitoring	NOUN
fsr-3204	56	43	improves	improve	VERB
fsr-3204	56	44	the	the	DET
fsr-3204	56	45	level	level	NOUN
fsr-3204	56	46	of	of	ADP
fsr-3204	56	47	trust	trust	NOUN
fsr-3204	56	48	financial	financial	ADJ
fsr-3204	56	49	consumers	consumer	NOUN
fsr-3204	56	50	have	have	VERB
fsr-3204	56	51	in	in	ADP
fsr-3204	56	52	their	their	PRON
fsr-3204	56	53	financial	financial	ADJ
fsr-3204	56	54	advisers	adviser	NOUN
fsr-3204	56	55	.	.	PUNCT
fsr-3204	57	1	we	we	PRON
fsr-3204	57	2	consider	consider	VERB
fsr-3204	57	3	two	two	NUM
fsr-3204	57	4	pre	pre	ADJ
fsr-3204	57	5	-	-	ADJ
fsr-3204	57	6	selection	selection	ADJ
fsr-3204	57	7	monitoring	monitoring	NOUN
fsr-3204	57	8	activities	activity	NOUN
fsr-3204	57	9	associated	associate	VERB
fsr-3204	57	10	with	with	ADP
fsr-3204	57	11	choosing	choose	VERB
fsr-3204	57	12	a	a	DET
fsr-3204	57	13	financial	financial	ADJ
fsr-3204	57	14	adviser	adviser	NOUN
fsr-3204	57	15	:	:	PUNCT
fsr-3204	57	16	(	(	PUNCT
fsr-3204	57	17	1	1	X
fsr-3204	57	18	)	)	PUNCT
fsr-3204	57	19	conducting	conduct	VERB
fsr-3204	57	20	financial	financial	ADJ
fsr-3204	57	21	adviser	adviser	NOUN
fsr-3204	57	22	background	background	NOUN
fsr-3204	57	23	checks	check	NOUN
fsr-3204	57	24	,	,	PUNCT
fsr-3204	57	25	and	and	CCONJ
fsr-3204	57	26	(	(	PUNCT
fsr-3204	57	27	2	2	X
fsr-3204	57	28	)	)	PUNCT
fsr-3204	57	29	considering	consider	VERB
fsr-3204	57	30	more	more	ADJ
fsr-3204	57	31	than	than	ADP
fsr-3204	57	32	one	one	NUM
fsr-3204	57	33	financial	financial	ADJ
fsr-3204	57	34	adviser	adviser	NOUN
fsr-3204	57	35	before	before	ADP
fsr-3204	57	36	making	make	VERB
fsr-3204	57	37	a	a	DET
fsr-3204	57	38	choice	choice	NOUN
fsr-3204	57	39	.	.	PUNCT
fsr-3204	58	1	2.1	2.1	NUM
fsr-3204	58	2	.	.	PUNCT
fsr-3204	58	3	current	current	ADJ
fsr-3204	58	4	system	system	NOUN
fsr-3204	58	5	of	of	ADP
fsr-3204	58	6	background	background	NOUN
fsr-3204	58	7	check	check	NOUN
fsr-3204	58	8	elmerick	elmerick	PROPN
fsr-3204	58	9	et	et	PROPN
fsr-3204	58	10	al	al	PROPN
fsr-3204	58	11	.	.	PROPN
fsr-3204	59	1	(	(	PUNCT
fsr-3204	59	2	2002	2002	NUM
fsr-3204	59	3	)	)	PUNCT
fsr-3204	59	4	show	show	VERB
fsr-3204	59	5	that	that	SCONJ
fsr-3204	59	6	50	50	NUM
fsr-3204	59	7	%	%	NOUN
fsr-3204	59	8	of	of	ADP
fsr-3204	59	9	households	household	NOUN
fsr-3204	59	10	use	use	VERB
fsr-3204	59	11	stock	stock	NOUN
fsr-3204	59	12	brokers	broker	NOUN
fsr-3204	59	13	,	,	PUNCT
fsr-3204	59	14	25	25	NUM
fsr-3204	59	15	%	%	NOUN
fsr-3204	59	16	use	use	VERB
fsr-3204	59	17	financial	financial	ADJ
fsr-3204	59	18	planners	planner	NOUN
fsr-3204	59	19	,	,	PUNCT
fsr-3204	59	20	6	6	NUM
fsr-3204	59	21	%	%	NOUN
fsr-3204	59	22	use	use	NOUN
fsr-3204	59	23	accountants	accountant	NOUN
fsr-3204	59	24	,	,	PUNCT
fsr-3204	59	25	4	4	NUM
fsr-3204	59	26	%	%	NOUN
fsr-3204	59	27	use	use	NOUN
fsr-3204	59	28	bankers	banker	NOUN
fsr-3204	59	29	,	,	PUNCT
fsr-3204	59	30	and	and	CCONJ
fsr-3204	59	31	2	2	NUM
fsr-3204	59	32	%	%	NOUN
fsr-3204	59	33	use	use	VERB
fsr-3204	59	34	attorneys	attorney	NOUN
fsr-3204	59	35	for	for	ADP
fsr-3204	59	36	financial	financial	ADJ
fsr-3204	59	37	advice	advice	NOUN
fsr-3204	59	38	.	.	PUNCT
fsr-3204	60	1	standards	standard	NOUN
fsr-3204	60	2	of	of	ADP
fsr-3204	60	3	professional	professional	ADJ
fsr-3204	60	4	conduct	conduct	NOUN
fsr-3204	60	5	exist	exist	VERB
fsr-3204	60	6	for	for	ADP
fsr-3204	60	7	cpas	cpa	NOUN
fsr-3204	60	8	,	,	PUNCT
fsr-3204	60	9	attorneys	attorney	NOUN
fsr-3204	60	10	,	,	PUNCT
fsr-3204	60	11	insurance	insurance	NOUN
fsr-3204	60	12	agents	agent	NOUN
fsr-3204	60	13	,	,	PUNCT
fsr-3204	60	14	cfps	cfps	NOUN
fsr-3204	60	15	with	with	ADP
fsr-3204	60	16	fiduciary	fiduciary	ADJ
fsr-3204	60	17	responsibilities	responsibility	NOUN
fsr-3204	60	18	,	,	PUNCT
fsr-3204	60	19	and	and	CCONJ
fsr-3204	60	20	financial	financial	ADJ
fsr-3204	60	21	brokers	broker	NOUN
fsr-3204	60	22	without	without	ADP
fsr-3204	60	23	fiduciary	fiduciary	ADJ
fsr-3204	60	24	responsibilities.9	responsibilities.9	PROPN
fsr-3204	60	25	zweig	zweig	PROPN
fsr-3204	60	26	and	and	CCONJ
fsr-3204	60	27	pilon	pilon	PROPN
fsr-3204	60	28	(	(	PUNCT
fsr-3204	60	29	2010	2010	NUM
fsr-3204	60	30	)	)	PUNCT
fsr-3204	60	31	point	point	VERB
fsr-3204	60	32	out	out	ADP
fsr-3204	60	33	that	that	SCONJ
fsr-3204	60	34	according	accord	VERB
fsr-3204	60	35	to	to	ADP
fsr-3204	60	36	finra	finra	PROPN
fsr-3204	60	37	,	,	PUNCT
fsr-3204	60	38	there	there	PRON
fsr-3204	60	39	are	be	VERB
fsr-3204	60	40	more	more	ADJ
fsr-3204	60	41	than	than	ADP
fsr-3204	60	42	95	95	NUM
fsr-3204	60	43	professional	professional	ADJ
fsr-3204	60	44	designations	designation	NOUN
fsr-3204	60	45	for	for	ADP
fsr-3204	60	46	financial	financial	ADJ
fsr-3204	60	47	advisors	advisor	NOUN
fsr-3204	60	48	,	,	PUNCT
fsr-3204	60	49	and	and	CCONJ
fsr-3204	60	50	115	115	NUM
fsr-3204	60	51	others	other	NOUN
fsr-3204	60	52	not	not	PART
fsr-3204	60	53	tracked	track	VERB
fsr-3204	60	54	by	by	ADP
fsr-3204	60	55	finra	finra	PROPN
fsr-3204	60	56	.	.	PUNCT
fsr-3204	61	1	ligon	ligon	PROPN
fsr-3204	61	2	(	(	PUNCT
fsr-3204	61	3	2003	2003	NUM
fsr-3204	61	4	)	)	PUNCT
fsr-3204	61	5	predicts	predict	VERB
fsr-3204	61	6	that	that	SCONJ
fsr-3204	61	7	in	in	ADP
fsr-3204	61	8	the	the	DET
fsr-3204	61	9	long	long	ADJ
fsr-3204	61	10	run	run	NOUN
fsr-3204	61	11	these	these	DET
fsr-3204	61	12	various	various	ADJ
fsr-3204	61	13	qualitative	qualitative	ADJ
fsr-3204	61	14	credentials	credential	NOUN
fsr-3204	61	15	will	will	AUX
fsr-3204	61	16	distinguish	distinguish	VERB
fsr-3204	61	17	themselves	themselves	PRON
fsr-3204	61	18	through	through	ADP
fsr-3204	61	19	performance	performance	NOUN
fsr-3204	61	20	.	.	PUNCT
fsr-3204	62	1	brokers	broker	NOUN
fsr-3204	62	2	must	must	AUX
fsr-3204	62	3	be	be	AUX
fsr-3204	62	4	registered	register	VERB
fsr-3204	62	5	with	with	ADP
fsr-3204	62	6	the	the	DET
fsr-3204	62	7	security	security	NOUN
fsr-3204	62	8	and	and	CCONJ
fsr-3204	62	9	exchange	exchange	PROPN
fsr-3204	62	10	commission	commission	PROPN
fsr-3204	62	11	(	(	PUNCT
fsr-3204	62	12	sec	sec	PROPN
fsr-3204	62	13	)	)	PUNCT
fsr-3204	62	14	and	and	CCONJ
fsr-3204	62	15	maintain	maintain	VERB
fsr-3204	62	16	membership	membership	NOUN
fsr-3204	62	17	with	with	ADP
fsr-3204	62	18	the	the	DET
fsr-3204	62	19	finra	finra	NOUN
fsr-3204	62	20	.	.	PUNCT
fsr-3204	63	1	finra	finra	PROPN
fsr-3204	63	2	is	be	AUX
fsr-3204	63	3	committed	commit	VERB
fsr-3204	63	4	to	to	ADP
fsr-3204	63	5	investor	investor	NOUN
fsr-3204	63	6	protection	protection	NOUN
fsr-3204	63	7	and	and	CCONJ
fsr-3204	63	8	market	market	NOUN
fsr-3204	63	9	integrity	integrity	NOUN
fsr-3204	63	10	through	through	ADP
fsr-3204	63	11	effective	effective	ADJ
fsr-3204	63	12	and	and	CCONJ
fsr-3204	63	13	efficient	efficient	ADJ
fsr-3204	63	14	self	self	NOUN
fsr-3204	63	15	-	-	PUNCT
fsr-3204	63	16	regulation	regulation	NOUN
fsr-3204	63	17	of	of	ADP
fsr-3204	63	18	the	the	DET
fsr-3204	63	19	securities	security	NOUN
fsr-3204	63	20	industry	industry	NOUN
fsr-3204	63	21	.	.	PUNCT
fsr-3204	64	1	they	they	PRON
fsr-3204	64	2	accomplish	accomplish	VERB
fsr-3204	64	3	this	this	PRON
fsr-3204	64	4	through	through	ADP
fsr-3204	64	5	enforcing	enforce	VERB
fsr-3204	64	6	rules	rule	NOUN
fsr-3204	64	7	governing	govern	VERB
fsr-3204	64	8	the	the	DET
fsr-3204	64	9	activities	activity	NOUN
fsr-3204	64	10	of	of	ADP
fsr-3204	64	11	security	security	NOUN
fsr-3204	64	12	firms	firm	NOUN
fsr-3204	64	13	and	and	CCONJ
fsr-3204	64	14	brokers	broker	NOUN
fsr-3204	64	15	,	,	PUNCT
fsr-3204	64	16	enforcing	enforce	VERB
fsr-3204	64	17	educational	educational	ADJ
fsr-3204	64	18	standards	standard	NOUN
fsr-3204	64	19	such	such	ADJ
fsr-3204	64	20	as	as	ADP
fsr-3204	64	21	the	the	DET
fsr-3204	64	22	series	series	NOUN
fsr-3204	64	23	6	6	NUM
fsr-3204	64	24	licensing	licensing	NOUN
fsr-3204	64	25	examinations	examination	NOUN
fsr-3204	64	26	,	,	PUNCT
fsr-3204	64	27	promoting	promote	VERB
fsr-3204	64	28	market	market	NOUN
fsr-3204	64	29	transparency	transparency	NOUN
fsr-3204	64	30	,	,	PUNCT
fsr-3204	64	31	and	and	CCONJ
fsr-3204	64	32	educating	educate	VERB
fsr-3204	64	33	investors	investor	NOUN
fsr-3204	64	34	.	.	PUNCT
fsr-3204	65	1	finra	finra	PROPN
fsr-3204	65	2	also	also	ADV
fsr-3204	65	3	maintains	maintain	VERB
fsr-3204	65	4	the	the	DET
fsr-3204	65	5	brokercheck10	brokercheck10	NOUN
fsr-3204	65	6	system	system	NOUN
fsr-3204	65	7	that	that	PRON
fsr-3204	65	8	can	can	AUX
fsr-3204	65	9	be	be	AUX
fsr-3204	65	10	used	use	VERB
fsr-3204	65	11	to	to	PART
fsr-3204	65	12	check	check	VERB
fsr-3204	65	13	background	background	NOUN
fsr-3204	65	14	information	information	NOUN
fsr-3204	65	15	on	on	ADP
fsr-3204	65	16	brokers	broker	NOUN
fsr-3204	65	17	.	.	PUNCT
fsr-3204	66	1	brokercheck	brokercheck	PROPN
fsr-3204	66	2	has	have	VERB
fsr-3204	66	3	information	information	NOUN
fsr-3204	66	4	on	on	ADP
fsr-3204	66	5	1.3	1.3	NUM
fsr-3204	66	6	million	million	NUM
fsr-3204	66	7	current	current	ADJ
fsr-3204	66	8	and	and	CCONJ
fsr-3204	66	9	former	former	ADJ
fsr-3204	66	10	finra	finra	NOUN
fsr-3204	66	11	-	-	PUNCT
fsr-3204	66	12	registered	register	VERB
fsr-3204	66	13	brokers	broker	NOUN
fsr-3204	66	14	,	,	PUNCT
fsr-3204	66	15	17,400	17,400	NUM
fsr-3204	66	16	current	current	ADJ
fsr-3204	66	17	and	and	CCONJ
fsr-3204	66	18	former	former	ADJ
fsr-3204	66	19	finra	finra	NOUN
fsr-3204	66	20	-	-	PUNCT
fsr-3204	66	21	registered	register	VERB
fsr-3204	66	22	brokerage	brokerage	NOUN
fsr-3204	66	23	firms	firm	NOUN
fsr-3204	66	24	,	,	PUNCT
fsr-3204	66	25	�	�	PROPN
fsr-3204	66	26	441,000	441,000	NUM
fsr-3204	66	27	current	current	ADJ
fsr-3204	66	28	and	and	CCONJ
fsr-3204	66	29	former	former	ADJ
fsr-3204	66	30	investment	investment	NOUN
fsr-3204	66	31	adviser	adviser	NOUN
fsr-3204	66	32	representatives	representative	NOUN
fsr-3204	66	33	,	,	PUNCT
fsr-3204	66	34	and	and	CCONJ
fsr-3204	66	35	45,700	45,700	NUM
fsr-3204	66	36	current	current	ADJ
fsr-3204	66	37	and	and	CCONJ
fsr-3204	66	38	former	former	ADJ
fsr-3204	66	39	investment	investment	NOUN
fsr-3204	66	40	adviser	adviser	NOUN
fsr-3204	66	41	firms	firm	NOUN
fsr-3204	66	42	.	.	PUNCT
fsr-3204	67	1	for	for	ADP
fsr-3204	67	2	financial	financial	ADJ
fsr-3204	67	3	advisers	adviser	NOUN
fsr-3204	67	4	,	,	PUNCT
fsr-3204	67	5	the	the	DET
fsr-3204	67	6	sec	sec	PROPN
fsr-3204	67	7	adopted	adopt	VERB
fsr-3204	67	8	rule	rule	NOUN
fsr-3204	67	9	204a-1	204a-1	NUM
fsr-3204	67	10	requiring	require	VERB
fsr-3204	67	11	sec	sec	PROPN
fsr-3204	67	12	-	-	PUNCT
fsr-3204	67	13	registered	register	VERB
fsr-3204	67	14	investment	investment	NOUN
fsr-3204	67	15	advisers	adviser	NOUN
fsr-3204	67	16	to	to	PART
fsr-3204	67	17	adopt	adopt	VERB
fsr-3204	67	18	and	and	CCONJ
fsr-3204	67	19	enforce	enforce	VERB
fsr-3204	67	20	codes	code	NOUN
fsr-3204	67	21	of	of	ADP
fsr-3204	67	22	ethics11	ethics11	NOUN
fsr-3204	67	23	that	that	PRON
fsr-3204	67	24	establish	establish	VERB
fsr-3204	67	25	standards	standard	NOUN
fsr-3204	67	26	of	of	ADP
fsr-3204	67	27	conduct	conduct	NOUN
fsr-3204	67	28	expected	expect	VERB
fsr-3204	67	29	of	of	ADP
fsr-3204	67	30	supervised	supervised	ADJ
fsr-3204	67	31	persons	person	NOUN
fsr-3204	67	32	and	and	CCONJ
fsr-3204	67	33	reflect	reflect	VERB
fsr-3204	67	34	the	the	DET
fsr-3204	67	35	adviser	adviser	NOUN
fsr-3204	67	36	’s	’s	PART
fsr-3204	67	37	fiduciary	fiduciary	ADJ
fsr-3204	67	38	duties	duty	NOUN
fsr-3204	67	39	.	.	PUNCT
fsr-3204	68	1	the	the	DET
fsr-3204	68	2	sec	sec	PROPN
fsr-3204	68	3	offers	offer	VERB
fsr-3204	68	4	the	the	DET
fsr-3204	68	5	investment	investment	NOUN
fsr-3204	68	6	adviser	adviser	NOUN
fsr-3204	68	7	public	public	ADJ
fsr-3204	68	8	disclosure	disclosure	NOUN
fsr-3204	68	9	(	(	PUNCT
fsr-3204	68	10	iapd)12	iapd)12	PROPN
fsr-3204	68	11	website	website	NOUN
fsr-3204	68	12	that	that	PRON
fsr-3204	68	13	can	can	AUX
fsr-3204	68	14	be	be	AUX
fsr-3204	68	15	used	use	VERB
fsr-3204	68	16	by	by	ADP
fsr-3204	68	17	consumers	consumer	NOUN
fsr-3204	68	18	to	to	PART
fsr-3204	68	19	check	check	VERB
fsr-3204	68	20	the	the	DET
fsr-3204	68	21	backgrounds	background	NOUN
fsr-3204	68	22	of	of	ADP
fsr-3204	68	23	registered	register	VERB
fsr-3204	68	24	investment	investment	NOUN
fsr-3204	68	25	advisers	adviser	NOUN
fsr-3204	68	26	and	and	CCONJ
fsr-3204	68	27	the	the	DET
fsr-3204	68	28	firms	firm	NOUN
fsr-3204	68	29	with	with	ADP
fsr-3204	68	30	which	which	PRON
fsr-3204	68	31	they	they	PRON
fsr-3204	68	32	are	be	AUX
fsr-3204	68	33	associated	associate	VERB
fsr-3204	68	34	.	.	PUNCT
fsr-3204	69	1	the	the	DET
fsr-3204	69	2	sec	sec	PROPN
fsr-3204	69	3	also	also	ADV
fsr-3204	69	4	maintains	maintain	VERB
fsr-3204	69	5	the	the	DET
fsr-3204	69	6	investment	investment	NOUN
fsr-3204	69	7	advisers	adviser	NOUN
fsr-3204	69	8	registration	registration	NOUN
fsr-3204	69	9	depository	depository	NOUN
fsr-3204	69	10	(	(	PUNCT
fsr-3204	69	11	iard	iard	NOUN
fsr-3204	69	12	)	)	PUNCT
fsr-3204	69	13	jointly	jointly	ADV
fsr-3204	69	14	with	with	ADP
fsr-3204	69	15	the	the	DET
fsr-3204	69	16	north	north	ADJ
fsr-3204	69	17	american	american	ADJ
fsr-3204	69	18	securities	securities	PROPN
fsr-3204	69	19	administrators	administrators	PROPN
fsr-3204	69	20	association	association	PROPN
fsr-3204	69	21	(	(	PUNCT
fsr-3204	69	22	nasaa	nasaa	PROPN
fsr-3204	69	23	)	)	PUNCT
fsr-3204	69	24	.	.	PUNCT
fsr-3204	70	1	finra	finra	NOUN
fsr-3204	70	2	is	be	AUX
fsr-3204	70	3	also	also	ADV
fsr-3204	70	4	responsible	responsible	ADJ
fsr-3204	70	5	for	for	ADP
fsr-3204	70	6	maintaining	maintain	VERB
fsr-3204	70	7	the	the	DET
fsr-3204	70	8	iard	iard	NOUN
fsr-3204	70	9	website	website	NOUN
fsr-3204	70	10	,	,	PUNCT
fsr-3204	70	11	and	and	CCONJ
fsr-3204	70	12	distributes	distribute	VERB
fsr-3204	70	13	information	information	NOUN
fsr-3204	70	14	on	on	ADP
fsr-3204	70	15	financial	financial	ADJ
fsr-3204	70	16	advisers	adviser	NOUN
fsr-3204	70	17	from	from	ADP
fsr-3204	70	18	the	the	DET
fsr-3204	70	19	iard	iard	NOUN
fsr-3204	70	20	database	database	NOUN
fsr-3204	70	21	through	through	ADP
fsr-3204	70	22	their	their	PRON
fsr-3204	70	23	brokercheck	brokercheck	NOUN
fsr-3204	70	24	system	system	NOUN
fsr-3204	70	25	.	.	PUNCT
fsr-3204	71	1	out	out	ADP
fsr-3204	71	2	of	of	ADP
fsr-3204	71	3	50	50	NUM
fsr-3204	71	4	states	state	NOUN
fsr-3204	71	5	,	,	PUNCT
fsr-3204	71	6	only	only	ADV
fsr-3204	71	7	21	21	NUM
fsr-3204	71	8	states	state	NOUN
fsr-3204	71	9	have	have	AUX
fsr-3204	71	10	enacted	enact	VERB
fsr-3204	71	11	regulations	regulation	NOUN
fsr-3204	71	12	,	,	PUNCT
fsr-3204	71	13	or	or	CCONJ
fsr-3204	71	14	issued	issue	VERB
fsr-3204	71	15	special	special	ADJ
fsr-3204	71	16	notices	notice	NOUN
fsr-3204	71	17	,	,	PUNCT
fsr-3204	71	18	regarding	regard	VERB
fsr-3204	71	19	the	the	DET
fsr-3204	71	20	use	use	NOUN
fsr-3204	71	21	of	of	ADP
fsr-3204	71	22	professional	professional	ADJ
fsr-3204	71	23	designations	designation	NOUN
fsr-3204	71	24	by	by	ADP
fsr-3204	71	25	registered	registered	ADJ
fsr-3204	71	26	investment	investment	NOUN
fsr-3204	71	27	advisers.13	advisers.13	NOUN
fsr-3204	71	28	the	the	DET
fsr-3204	71	29	sec	sec	PROPN
fsr-3204	71	30	308	308	NUM
fsr-3204	71	31	b.	b.	PROPN
fsr-3204	71	32	balasubramnian	balasubramnian	PROPN
fsr-3204	71	33	et	et	PROPN
fsr-3204	71	34	al	al	PROPN
fsr-3204	71	35	.	.	PUNCT
fsr-3204	71	36	/	/	SYM
fsr-3204	71	37	financial	financial	ADJ
fsr-3204	71	38	services	service	NOUN
fsr-3204	71	39	review	review	VERB
fsr-3204	71	40	23	23	NUM
fsr-3204	71	41	(	(	PUNCT
fsr-3204	71	42	2014	2014	NUM
fsr-3204	71	43	)	)	PUNCT
fsr-3204	72	1	305–324	305–324	NUM
fsr-3204	72	2	permits	permit	VERB
fsr-3204	72	3	financial	financial	ADJ
fsr-3204	72	4	advisers	adviser	NOUN
fsr-3204	72	5	to	to	PART
fsr-3204	72	6	satisfy	satisfy	VERB
fsr-3204	72	7	their	their	PRON
fsr-3204	72	8	filing	filing	NOUN
fsr-3204	72	9	and	and	CCONJ
fsr-3204	72	10	registration	registration	NOUN
fsr-3204	72	11	obligations	obligation	NOUN
fsr-3204	72	12	under	under	ADP
fsr-3204	72	13	state	state	NOUN
fsr-3204	72	14	and	and	CCONJ
fsr-3204	72	15	federal	federal	ADJ
fsr-3204	72	16	law	law	NOUN
fsr-3204	72	17	using	use	VERB
fsr-3204	72	18	a	a	DET
fsr-3204	72	19	single	single	ADJ
fsr-3204	72	20	electronic	electronic	ADJ
fsr-3204	72	21	filing	filing	NOUN
fsr-3204	72	22	available	available	ADJ
fsr-3204	72	23	at	at	ADP
fsr-3204	72	24	their	their	PRON
fsr-3204	72	25	website.14	website.14	PROPN
fsr-3204	72	26	the	the	DET
fsr-3204	72	27	nasaa	nasaa	NOUN
fsr-3204	72	28	also	also	ADV
fsr-3204	72	29	advises	advise	VERB
fsr-3204	72	30	that	that	SCONJ
fsr-3204	72	31	consumers	consumer	NOUN
fsr-3204	72	32	should	should	AUX
fsr-3204	72	33	check	check	VERB
fsr-3204	72	34	with	with	ADP
fsr-3204	72	35	state	state	NOUN
fsr-3204	72	36	regulators15	regulators15	NOUN
fsr-3204	72	37	when	when	SCONJ
fsr-3204	72	38	conducting	conduct	VERB
fsr-3204	72	39	background	background	NOUN
fsr-3204	72	40	checks	check	NOUN
fsr-3204	72	41	of	of	ADP
fsr-3204	72	42	financial	financial	ADJ
fsr-3204	72	43	advisers	adviser	NOUN
fsr-3204	72	44	.	.	PUNCT
fsr-3204	73	1	this	this	PRON
fsr-3204	73	2	would	would	AUX
fsr-3204	73	3	require	require	VERB
fsr-3204	73	4	the	the	DET
fsr-3204	73	5	consumer	consumer	NOUN
fsr-3204	73	6	to	to	PART
fsr-3204	73	7	check	check	VERB
fsr-3204	73	8	50	50	NUM
fsr-3204	73	9	different	different	ADJ
fsr-3204	73	10	regulators	regulator	NOUN
fsr-3204	73	11	to	to	PART
fsr-3204	73	12	verify	verify	VERB
fsr-3204	73	13	whether	whether	SCONJ
fsr-3204	73	14	the	the	DET
fsr-3204	73	15	financial	financial	ADJ
fsr-3204	73	16	adviser	adviser	NOUN
fsr-3204	73	17	has	have	VERB
fsr-3204	73	18	any	any	DET
fsr-3204	73	19	complaints	complaint	NOUN
fsr-3204	73	20	filed	file	VERB
fsr-3204	73	21	anywhere	anywhere	ADV
fsr-3204	73	22	in	in	ADP
fsr-3204	73	23	the	the	DET
fsr-3204	73	24	united	united	PROPN
fsr-3204	73	25	states	states	PROPN
fsr-3204	73	26	.	.	PUNCT
fsr-3204	74	1	considering	consider	VERB
fsr-3204	74	2	the	the	DET
fsr-3204	74	3	numerous	numerous	ADJ
fsr-3204	74	4	and	and	CCONJ
fsr-3204	74	5	varied	varied	ADJ
fsr-3204	74	6	databases	database	NOUN
fsr-3204	74	7	of	of	ADP
fsr-3204	74	8	financial	financial	ADJ
fsr-3204	74	9	professionals	professional	NOUN
fsr-3204	74	10	and	and	CCONJ
fsr-3204	74	11	firms	firm	NOUN
fsr-3204	74	12	that	that	PRON
fsr-3204	74	13	are	be	AUX
fsr-3204	74	14	maintained	maintain	VERB
fsr-3204	74	15	,	,	PUNCT
fsr-3204	74	16	it	it	PRON
fsr-3204	74	17	becomes	become	VERB
fsr-3204	74	18	apparent	apparent	ADJ
fsr-3204	74	19	how	how	SCONJ
fsr-3204	74	20	time	time	NOUN
fsr-3204	74	21	consuming	consume	VERB
fsr-3204	74	22	it	it	PRON
fsr-3204	74	23	would	would	AUX
fsr-3204	74	24	be	be	AUX
fsr-3204	74	25	to	to	PART
fsr-3204	74	26	complete	complete	VERB
fsr-3204	74	27	a	a	DET
fsr-3204	74	28	thorough	thorough	ADJ
fsr-3204	74	29	background	background	NOUN
fsr-3204	74	30	check	check	NOUN
fsr-3204	74	31	of	of	ADP
fsr-3204	74	32	financial	financial	ADJ
fsr-3204	74	33	advisers	adviser	NOUN
fsr-3204	74	34	.	.	PUNCT
fsr-3204	75	1	in	in	ADP
fsr-3204	75	2	a	a	DET
fsr-3204	75	3	september	september	PROPN
fsr-3204	75	4	19	19	NUM
fsr-3204	75	5	,	,	PUNCT
fsr-3204	75	6	2013	2013	NUM
fsr-3204	75	7	,	,	PUNCT
fsr-3204	75	8	wall	wall	PROPN
fsr-3204	75	9	street	street	PROPN
fsr-3204	75	10	journal	journal	PROPN
fsr-3204	75	11	article	article	PROPN
fsr-3204	75	12	,	,	PUNCT
fsr-3204	75	13	daisy	daisy	PROPN
fsr-3204	75	14	maxey	maxey	PROPN
fsr-3204	75	15	(	(	PUNCT
fsr-3204	75	16	maxey	maxey	PROPN
fsr-3204	75	17	,	,	PUNCT
fsr-3204	75	18	2013	2013	NUM
fsr-3204	75	19	)	)	PUNCT
fsr-3204	75	20	reports	report	VERB
fsr-3204	75	21	that	that	SCONJ
fsr-3204	75	22	there	there	PRON
fsr-3204	75	23	are	be	VERB
fsr-3204	75	24	several	several	ADJ
fsr-3204	75	25	online	online	ADJ
fsr-3204	75	26	directories	directory	NOUN
fsr-3204	75	27	that	that	PRON
fsr-3204	75	28	aggregate	aggregate	VERB
fsr-3204	75	29	basic	basic	ADJ
fsr-3204	75	30	financial	financial	ADJ
fsr-3204	75	31	adviser	adviser	NOUN
fsr-3204	75	32	background	background	NOUN
fsr-3204	75	33	information	information	NOUN
fsr-3204	75	34	from	from	ADP
fsr-3204	75	35	finra	finra	PROPN
fsr-3204	75	36	,	,	PUNCT
fsr-3204	75	37	iapd	iapd	NOUN
fsr-3204	75	38	,	,	PUNCT
fsr-3204	75	39	and	and	CCONJ
fsr-3204	75	40	various	various	ADJ
fsr-3204	75	41	state	state	NOUN
fsr-3204	75	42	databases	database	NOUN
fsr-3204	75	43	,	,	PUNCT
fsr-3204	75	44	but	but	CCONJ
fsr-3204	75	45	she	she	PRON
fsr-3204	75	46	warns	warn	VERB
fsr-3204	75	47	about	about	ADP
fsr-3204	75	48	the	the	DET
fsr-3204	75	49	“	"	PUNCT
fsr-3204	75	50	impartiality	impartiality	NOUN
fsr-3204	75	51	,	,	PUNCT
fsr-3204	75	52	conflict	conflict	NOUN
fsr-3204	75	53	of	of	ADP
fsr-3204	75	54	interest	interest	NOUN
fsr-3204	75	55	,	,	PUNCT
fsr-3204	75	56	and	and	CCONJ
fsr-3204	75	57	possibility	possibility	NOUN
fsr-3204	75	58	of	of	ADP
fsr-3204	75	59	abuse	abuse	NOUN
fsr-3204	75	60	”	"	PUNCT
fsr-3204	75	61	that	that	PRON
fsr-3204	75	62	may	may	AUX
fsr-3204	75	63	exist	exist	VERB
fsr-3204	75	64	in	in	ADP
fsr-3204	75	65	these	these	DET
fsr-3204	75	66	online	online	ADJ
fsr-3204	75	67	directories	directory	NOUN
fsr-3204	75	68	because	because	SCONJ
fsr-3204	75	69	of	of	ADP
fsr-3204	75	70	financial	financial	ADJ
fsr-3204	75	71	advisers	adviser	NOUN
fsr-3204	75	72	having	have	VERB
fsr-3204	75	73	the	the	DET
fsr-3204	75	74	ability	ability	NOUN
fsr-3204	75	75	to	to	PART
fsr-3204	75	76	pay	pay	VERB
fsr-3204	75	77	money	money	NOUN
fsr-3204	75	78	to	to	PART
fsr-3204	75	79	have	have	VERB
fsr-3204	75	80	their	their	PRON
fsr-3204	75	81	names	name	NOUN
fsr-3204	75	82	included	include	VERB
fsr-3204	75	83	.	.	PUNCT
fsr-3204	76	1	in	in	ADP
fsr-3204	76	2	addition	addition	NOUN
fsr-3204	76	3	,	,	PUNCT
fsr-3204	76	4	it	it	PRON
fsr-3204	76	5	is	be	AUX
fsr-3204	76	6	possible	possible	ADJ
fsr-3204	76	7	for	for	SCONJ
fsr-3204	76	8	financial	financial	ADJ
fsr-3204	76	9	advisers	adviser	NOUN
fsr-3204	76	10	to	to	PART
fsr-3204	76	11	influence	influence	VERB
fsr-3204	76	12	the	the	DET
fsr-3204	76	13	priority	priority	NOUN
fsr-3204	76	14	of	of	ADP
fsr-3204	76	15	search	search	NOUN
fsr-3204	76	16	results	result	NOUN
fsr-3204	76	17	on	on	ADP
fsr-3204	76	18	these	these	DET
fsr-3204	76	19	websites	website	NOUN
fsr-3204	76	20	.	.	PUNCT
fsr-3204	77	1	financial	financial	ADJ
fsr-3204	77	2	consumers	consumer	NOUN
fsr-3204	77	3	must	must	AUX
fsr-3204	77	4	pay	pay	VERB
fsr-3204	77	5	a	a	DET
fsr-3204	77	6	fee	fee	NOUN
fsr-3204	77	7	to	to	PART
fsr-3204	77	8	access	access	VERB
fsr-3204	77	9	these	these	DET
fsr-3204	77	10	aggregated	aggregate	VERB
fsr-3204	77	11	background	background	NOUN
fsr-3204	77	12	check	check	NOUN
fsr-3204	77	13	lists	list	NOUN
fsr-3204	77	14	,	,	PUNCT
fsr-3204	77	15	and	and	CCONJ
fsr-3204	77	16	it	it	PRON
fsr-3204	77	17	is	be	AUX
fsr-3204	77	18	possible	possible	ADJ
fsr-3204	77	19	they	they	PRON
fsr-3204	77	20	are	be	AUX
fsr-3204	77	21	getting	get	VERB
fsr-3204	77	22	inaccurate	inaccurate	ADJ
fsr-3204	77	23	or	or	CCONJ
fsr-3204	77	24	incomplete	incomplete	ADJ
fsr-3204	77	25	information	information	NOUN
fsr-3204	77	26	from	from	ADP
fsr-3204	77	27	these	these	DET
fsr-3204	77	28	unofficial	unofficial	ADJ
fsr-3204	77	29	lists	list	NOUN
fsr-3204	77	30	.	.	PUNCT
fsr-3204	78	1	besides	besides	SCONJ
fsr-3204	78	2	the	the	DET
fsr-3204	78	3	fragmentation	fragmentation	NOUN
fsr-3204	78	4	of	of	ADP
fsr-3204	78	5	data	datum	NOUN
fsr-3204	78	6	for	for	ADP
fsr-3204	78	7	background	background	NOUN
fsr-3204	78	8	verification	verification	NOUN
fsr-3204	78	9	among	among	ADP
fsr-3204	78	10	the	the	DET
fsr-3204	78	11	sec	sec	PROPN
fsr-3204	78	12	,	,	PUNCT
fsr-3204	78	13	finra	finra	NOUN
fsr-3204	78	14	,	,	PUNCT
fsr-3204	78	15	and	and	CCONJ
fsr-3204	78	16	the	the	DET
fsr-3204	78	17	various	various	ADJ
fsr-3204	78	18	states	state	NOUN
fsr-3204	78	19	,	,	PUNCT
fsr-3204	78	20	eaglesham	eaglesham	PROPN
fsr-3204	78	21	and	and	CCONJ
fsr-3204	78	22	barry	barry	PROPN
fsr-3204	78	23	(	(	PUNCT
fsr-3204	78	24	2014a	2014a	NUM
fsr-3204	78	25	)	)	PUNCT
fsr-3204	78	26	,	,	PUNCT
fsr-3204	78	27	in	in	ADP
fsr-3204	78	28	their	their	PRON
fsr-3204	78	29	wall	wall	PROPN
fsr-3204	78	30	street	street	PROPN
fsr-3204	78	31	journal	journal	PROPN
fsr-3204	78	32	article	article	PROPN
fsr-3204	78	33	,	,	PUNCT
fsr-3204	78	34	point	point	VERB
fsr-3204	78	35	out	out	ADP
fsr-3204	78	36	that	that	SCONJ
fsr-3204	78	37	securities	security	NOUN
fsr-3204	78	38	brokers	broker	NOUN
fsr-3204	78	39	and	and	CCONJ
fsr-3204	78	40	investment	investment	NOUN
fsr-3204	78	41	advisors	advisor	NOUN
fsr-3204	78	42	fail	fail	VERB
fsr-3204	78	43	to	to	PART
fsr-3204	78	44	disclose	disclose	VERB
fsr-3204	78	45	their	their	PRON
fsr-3204	78	46	personal	personal	ADJ
fsr-3204	78	47	bankruptcies	bankruptcy	NOUN
fsr-3204	78	48	and	and	CCONJ
fsr-3204	78	49	other	other	ADJ
fsr-3204	78	50	criminal	criminal	ADJ
fsr-3204	78	51	charges	charge	NOUN
fsr-3204	78	52	.	.	PUNCT
fsr-3204	79	1	such	such	ADJ
fsr-3204	79	2	critical	critical	ADJ
fsr-3204	79	3	information	information	NOUN
fsr-3204	79	4	is	be	AUX
fsr-3204	79	5	not	not	PART
fsr-3204	79	6	recorded	record	VERB
fsr-3204	79	7	in	in	ADP
fsr-3204	79	8	brokercheck	brokercheck	NOUN
fsr-3204	79	9	.	.	PUNCT
fsr-3204	80	1	numerous	numerous	ADJ
fsr-3204	80	2	educational	educational	ADJ
fsr-3204	80	3	and	and	CCONJ
fsr-3204	80	4	job	job	NOUN
fsr-3204	80	5	designations	designation	NOUN
fsr-3204	80	6	mislead	mislead	VERB
fsr-3204	80	7	financial	financial	ADJ
fsr-3204	80	8	consumers	consumer	NOUN
fsr-3204	80	9	to	to	PART
fsr-3204	80	10	trust	trust	VERB
fsr-3204	80	11	financial	financial	ADJ
fsr-3204	80	12	advisors	advisor	NOUN
fsr-3204	80	13	,	,	PUNCT
fsr-3204	80	14	which	which	PRON
fsr-3204	80	15	is	be	AUX
fsr-3204	80	16	exacerbated	exacerbate	VERB
fsr-3204	80	17	particularly	particularly	ADV
fsr-3204	80	18	among	among	ADP
fsr-3204	80	19	senior	senior	ADJ
fsr-3204	80	20	citizens	citizen	NOUN
fsr-3204	80	21	.	.	PUNCT
fsr-3204	81	1	improving	improve	VERB
fsr-3204	81	2	the	the	DET
fsr-3204	81	3	financial	financial	ADJ
fsr-3204	81	4	literacy	literacy	NOUN
fsr-3204	81	5	of	of	ADP
fsr-3204	81	6	consumers	consumer	NOUN
fsr-3204	81	7	is	be	AUX
fsr-3204	81	8	also	also	ADV
fsr-3204	81	9	emphasized	emphasize	VERB
fsr-3204	81	10	in	in	ADP
fsr-3204	81	11	the	the	DET
fsr-3204	81	12	dodd	dodd	PROPN
fsr-3204	81	13	-	-	PUNCT
fsr-3204	81	14	frank	frank	PROPN
fsr-3204	81	15	act	act	PROPN
fsr-3204	81	16	,	,	PUNCT
fsr-3204	81	17	2010	2010	NUM
fsr-3204	81	18	along	along	ADP
fsr-3204	81	19	with	with	ADP
fsr-3204	81	20	establishment	establishment	NOUN
fsr-3204	81	21	of	of	ADP
fsr-3204	81	22	institutions	institution	NOUN
fsr-3204	81	23	for	for	ADP
fsr-3204	81	24	consumer	consumer	NOUN
fsr-3204	81	25	protection	protection	NOUN
fsr-3204	81	26	such	such	ADJ
fsr-3204	81	27	as	as	ADP
fsr-3204	81	28	the	the	DET
fsr-3204	81	29	consumer	consumer	NOUN
fsr-3204	81	30	financial	financial	PROPN
fsr-3204	81	31	protection	protection	PROPN
fsr-3204	81	32	bureau	bureau	PROPN
fsr-3204	81	33	(	(	PUNCT
fsr-3204	81	34	cfpb	cfpb	NOUN
fsr-3204	81	35	)	)	PUNCT
fsr-3204	81	36	.	.	PUNCT
fsr-3204	82	1	we	we	PRON
fsr-3204	82	2	suggest	suggest	VERB
fsr-3204	82	3	including	include	VERB
fsr-3204	82	4	financial	financial	ADJ
fsr-3204	82	5	adviser	adviser	NOUN
fsr-3204	82	6	background	background	NOUN
fsr-3204	82	7	checks	check	NOUN
fsr-3204	82	8	as	as	ADP
fsr-3204	82	9	part	part	NOUN
fsr-3204	82	10	of	of	ADP
fsr-3204	82	11	the	the	DET
fsr-3204	82	12	financial	financial	ADJ
fsr-3204	82	13	literacy	literacy	NOUN
fsr-3204	82	14	campaign	campaign	NOUN
fsr-3204	82	15	.	.	PUNCT
fsr-3204	83	1	3	3	X
fsr-3204	83	2	.	.	X
fsr-3204	83	3	finra	finra	NOUN
fsr-3204	83	4	survey	survey	PROPN
fsr-3204	83	5	and	and	CCONJ
fsr-3204	83	6	methodology	methodology	NOUN
fsr-3204	83	7	3.1	3.1	NUM
fsr-3204	83	8	.	.	PUNCT
fsr-3204	84	1	finra	finra	NOUN
fsr-3204	84	2	2009	2009	NUM
fsr-3204	84	3	financial	financial	ADJ
fsr-3204	84	4	capability	capability	NOUN
fsr-3204	84	5	survey	survey	NOUN
fsr-3204	84	6	we	we	PRON
fsr-3204	84	7	use	use	VERB
fsr-3204	84	8	the	the	DET
fsr-3204	84	9	2009	2009	NUM
fsr-3204	84	10	finra	finra	PROPN
fsr-3204	84	11	investor	investor	PROPN
fsr-3204	84	12	education	education	PROPN
fsr-3204	84	13	foundation	foundation	PROPN
fsr-3204	84	14	national	national	PROPN
fsr-3204	84	15	financial	financial	ADJ
fsr-3204	84	16	capability	capability	NOUN
fsr-3204	84	17	survey	survey	NOUN
fsr-3204	84	18	(	(	PUNCT
fsr-3204	84	19	nfcs)16	nfcs)16	PROPN
fsr-3204	84	20	that	that	PRON
fsr-3204	84	21	was	be	AUX
fsr-3204	84	22	developed	develop	VERB
fsr-3204	84	23	in	in	ADP
fsr-3204	84	24	consultation	consultation	NOUN
fsr-3204	84	25	with	with	ADP
fsr-3204	84	26	the	the	DET
fsr-3204	84	27	u.s	u.s	PROPN
fsr-3204	84	28	.	.	PROPN
fsr-3204	84	29	department	department	PROPN
fsr-3204	84	30	of	of	ADP
fsr-3204	84	31	treasury	treasury	PROPN
fsr-3204	84	32	and	and	CCONJ
fsr-3204	84	33	the	the	DET
fsr-3204	84	34	president	president	NOUN
fsr-3204	84	35	’s	’s	PART
fsr-3204	84	36	advisory	advisory	ADJ
fsr-3204	84	37	council	council	NOUN
fsr-3204	84	38	on	on	ADP
fsr-3204	84	39	financial	financial	ADJ
fsr-3204	84	40	literacy	literacy	NOUN
fsr-3204	84	41	(	(	PUNCT
fsr-3204	84	42	finra	finra	NOUN
fsr-3204	84	43	,	,	PUNCT
fsr-3204	84	44	2009	2009	NUM
fsr-3204	84	45	)	)	PUNCT
fsr-3204	84	46	.	.	PUNCT
fsr-3204	85	1	the	the	DET
fsr-3204	85	2	finra	finra	PROPN
fsr-3204	85	3	investor	investor	PROPN
fsr-3204	85	4	education	education	PROPN
fsr-3204	85	5	foundation	foundation	PROPN
fsr-3204	85	6	(	(	PUNCT
fsr-3204	85	7	finra	finra	PROPN
fsr-3204	85	8	foundation	foundation	PROPN
fsr-3204	85	9	)	)	PUNCT
fsr-3204	85	10	conducted	conduct	VERB
fsr-3204	85	11	the	the	DET
fsr-3204	85	12	online	online	ADJ
fsr-3204	85	13	survey	survey	NOUN
fsr-3204	85	14	of	of	ADP
fsr-3204	85	15	28,146	28,146	NUM
fsr-3204	85	16	respondents	respondent	NOUN
fsr-3204	85	17	(	(	PUNCT
fsr-3204	85	18	�	�	NOUN
fsr-3204	85	19	500	500	NUM
fsr-3204	85	20	respondents	respondent	NOUN
fsr-3204	85	21	per	per	ADP
fsr-3204	85	22	state	state	NOUN
fsr-3204	85	23	and	and	CCONJ
fsr-3204	85	24	the	the	DET
fsr-3204	85	25	district	district	NOUN
fsr-3204	85	26	of	of	ADP
fsr-3204	85	27	columbia	columbia	PROPN
fsr-3204	85	28	)	)	PUNCT
fsr-3204	85	29	over	over	ADP
fsr-3204	85	30	a	a	DET
fsr-3204	85	31	five	five	NUM
fsr-3204	85	32	-	-	PUNCT
fsr-3204	85	33	month	month	NOUN
fsr-3204	85	34	period	period	NOUN
fsr-3204	85	35	between	between	ADP
fsr-3204	85	36	june	june	PROPN
fsr-3204	85	37	and	and	CCONJ
fsr-3204	85	38	october	october	PROPN
fsr-3204	85	39	of	of	ADP
fsr-3204	85	40	2009	2009	NUM
fsr-3204	85	41	.	.	PUNCT
fsr-3204	86	1	the	the	DET
fsr-3204	86	2	survey	survey	NOUN
fsr-3204	86	3	provides	provide	VERB
fsr-3204	86	4	an	an	DET
fsr-3204	86	5	unprecedented	unprecedented	ADJ
fsr-3204	86	6	level	level	NOUN
fsr-3204	86	7	of	of	ADP
fsr-3204	86	8	data	datum	NOUN
fsr-3204	86	9	pertaining	pertain	VERB
fsr-3204	86	10	to	to	ADP
fsr-3204	86	11	financial	financial	ADJ
fsr-3204	86	12	behaviors	behavior	NOUN
fsr-3204	86	13	across	across	ADP
fsr-3204	86	14	all	all	DET
fsr-3204	86	15	50	50	NUM
fsr-3204	86	16	states	state	NOUN
fsr-3204	86	17	and	and	CCONJ
fsr-3204	86	18	the	the	DET
fsr-3204	86	19	district	district	NOUN
fsr-3204	86	20	of	of	ADP
fsr-3204	86	21	columbia	columbia	PROPN
fsr-3204	86	22	.	.	PUNCT
fsr-3204	87	1	the	the	DET
fsr-3204	87	2	first	first	ADJ
fsr-3204	87	3	survey	survey	NOUN
fsr-3204	87	4	question	question	NOUN
fsr-3204	87	5	we	we	PRON
fsr-3204	87	6	consider	consider	VERB
fsr-3204	87	7	is	be	AUX
fsr-3204	87	8	if	if	SCONJ
fsr-3204	87	9	the	the	DET
fsr-3204	87	10	respondent	respondent	NOUN
fsr-3204	87	11	had	have	AUX
fsr-3204	87	12	sought	seek	VERB
fsr-3204	87	13	any	any	DET
fsr-3204	87	14	advice	advice	NOUN
fsr-3204	87	15	from	from	ADP
fsr-3204	87	16	a	a	DET
fsr-3204	87	17	financial	financial	ADJ
fsr-3204	87	18	adviser	adviser	NOUN
fsr-3204	87	19	in	in	ADP
fsr-3204	87	20	one	one	NUM
fsr-3204	87	21	of	of	ADP
fsr-3204	87	22	five	five	NUM
fsr-3204	87	23	specific	specific	ADJ
fsr-3204	87	24	areas	area	NOUN
fsr-3204	87	25	within	within	ADP
fsr-3204	87	26	the	the	DET
fsr-3204	87	27	past	past	ADJ
fsr-3204	87	28	five	five	NUM
fsr-3204	87	29	years	year	NOUN
fsr-3204	87	30	.	.	PUNCT
fsr-3204	88	1	the	the	DET
fsr-3204	88	2	five	five	NUM
fsr-3204	88	3	specific	specific	ADJ
fsr-3204	88	4	adviser	adviser	NOUN
fsr-3204	88	5	areas	area	NOUN
fsr-3204	88	6	included	include	VERB
fsr-3204	88	7	are	be	AUX
fsr-3204	88	8	debt	debt	NOUN
fsr-3204	88	9	counseling	counseling	NOUN
fsr-3204	88	10	,	,	PUNCT
fsr-3204	88	11	savings	saving	NOUN
fsr-3204	88	12	and	and	CCONJ
fsr-3204	88	13	investments	investment	NOUN
fsr-3204	88	14	,	,	PUNCT
fsr-3204	88	15	mortgage	mortgage	NOUN
fsr-3204	88	16	or	or	CCONJ
fsr-3204	88	17	loan	loan	NOUN
fsr-3204	88	18	,	,	PUNCT
fsr-3204	88	19	insurance	insurance	NOUN
fsr-3204	88	20	,	,	PUNCT
fsr-3204	88	21	and	and	CCONJ
fsr-3204	88	22	tax	tax	NOUN
fsr-3204	88	23	planning	planning	NOUN
fsr-3204	88	24	.	.	PUNCT
fsr-3204	89	1	possible	possible	ADJ
fsr-3204	89	2	responses	response	NOUN
fsr-3204	89	3	included	include	VERB
fsr-3204	89	4	:	:	PUNCT
fsr-3204	89	5	yes	yes	INTJ
fsr-3204	89	6	,	,	PUNCT
fsr-3204	89	7	no	no	INTJ
fsr-3204	89	8	,	,	PUNCT
fsr-3204	89	9	do	do	AUX
fsr-3204	89	10	not	not	PART
fsr-3204	89	11	know	know	VERB
fsr-3204	89	12	,	,	PUNCT
fsr-3204	89	13	and	and	CCONJ
fsr-3204	89	14	309b	309b	PROPN
fsr-3204	89	15	.	.	PUNCT
fsr-3204	90	1	balasubramnian	balasubramnian	PROPN
fsr-3204	90	2	et	et	PROPN
fsr-3204	90	3	al	al	PROPN
fsr-3204	90	4	.	.	PUNCT
fsr-3204	90	5	/	/	SYM
fsr-3204	90	6	financial	financial	ADJ
fsr-3204	90	7	services	service	NOUN
fsr-3204	90	8	review	review	VERB
fsr-3204	90	9	23	23	NUM
fsr-3204	90	10	(	(	PUNCT
fsr-3204	90	11	2014	2014	NUM
fsr-3204	90	12	)	)	PUNCT
fsr-3204	90	13	305–324	305–324	NUM
fsr-3204	90	14	prefer	prefer	VERB
fsr-3204	90	15	not	not	PART
fsr-3204	90	16	to	to	PART
fsr-3204	90	17	say	say	VERB
fsr-3204	90	18	.	.	PUNCT
fsr-3204	91	1	after	after	ADP
fsr-3204	91	2	limiting	limit	VERB
fsr-3204	91	3	our	our	PRON
fsr-3204	91	4	sample	sample	NOUN
fsr-3204	91	5	to	to	ADP
fsr-3204	91	6	27,273	27,273	NUM
fsr-3204	91	7	respondents	respondent	NOUN
fsr-3204	91	8	(	(	PUNCT
fsr-3204	91	9	from	from	ADP
fsr-3204	91	10	a	a	DET
fsr-3204	91	11	total	total	NOUN
fsr-3204	91	12	of	of	ADP
fsr-3204	91	13	28,146	28,146	NUM
fsr-3204	91	14	surveyed	survey	VERB
fsr-3204	91	15	)	)	PUNCT
fsr-3204	91	16	who	who	PRON
fsr-3204	91	17	answered	answer	VERB
fsr-3204	91	18	either	either	ADV
fsr-3204	91	19	yes	yes	INTJ
fsr-3204	91	20	or	or	CCONJ
fsr-3204	91	21	no	no	INTJ
fsr-3204	91	22	,	,	PUNCT
fsr-3204	91	23	we	we	PRON
fsr-3204	91	24	find	find	VERB
fsr-3204	91	25	that	that	SCONJ
fsr-3204	91	26	15,466	15,466	NUM
fsr-3204	91	27	of	of	ADP
fsr-3204	91	28	the	the	DET
fsr-3204	91	29	respondents	respondent	NOUN
fsr-3204	91	30	(	(	PUNCT
fsr-3204	91	31	56.7	56.7	NUM
fsr-3204	91	32	%	%	NOUN
fsr-3204	91	33	)	)	PUNCT
fsr-3204	91	34	used	use	VERB
fsr-3204	91	35	at	at	ADP
fsr-3204	91	36	least	least	ADV
fsr-3204	91	37	one	one	NUM
fsr-3204	91	38	of	of	ADP
fsr-3204	91	39	the	the	DET
fsr-3204	91	40	five	five	NUM
fsr-3204	91	41	types	type	NOUN
fsr-3204	91	42	of	of	ADP
fsr-3204	91	43	financial	financial	ADJ
fsr-3204	91	44	advisers	adviser	NOUN
fsr-3204	91	45	in	in	ADP
fsr-3204	91	46	the	the	DET
fsr-3204	91	47	past	past	ADJ
fsr-3204	91	48	five	five	NUM
fsr-3204	91	49	years	year	NOUN
fsr-3204	91	50	.	.	PUNCT
fsr-3204	92	1	focusing	focus	VERB
fsr-3204	92	2	on	on	ADP
fsr-3204	92	3	these	these	DET
fsr-3204	92	4	respondents	respondent	NOUN
fsr-3204	92	5	who	who	PRON
fsr-3204	92	6	have	have	AUX
fsr-3204	92	7	used	use	VERB
fsr-3204	92	8	a	a	DET
fsr-3204	92	9	financial	financial	ADJ
fsr-3204	92	10	adviser	adviser	NOUN
fsr-3204	92	11	in	in	ADP
fsr-3204	92	12	the	the	DET
fsr-3204	92	13	past	past	ADJ
fsr-3204	92	14	five	five	NUM
fsr-3204	92	15	years	year	NOUN
fsr-3204	92	16	,	,	PUNCT
fsr-3204	92	17	we	we	PRON
fsr-3204	92	18	consider	consider	VERB
fsr-3204	92	19	the	the	DET
fsr-3204	92	20	survey	survey	NOUN
fsr-3204	92	21	questions	question	NOUN
fsr-3204	92	22	that	that	PRON
fsr-3204	92	23	ask	ask	VERB
fsr-3204	92	24	if	if	SCONJ
fsr-3204	92	25	they	they	PRON
fsr-3204	92	26	have	have	AUX
fsr-3204	92	27	ever	ever	ADV
fsr-3204	92	28	checked	check	VERB
fsr-3204	92	29	with	with	ADP
fsr-3204	92	30	a	a	DET
fsr-3204	92	31	state	state	NOUN
fsr-3204	92	32	or	or	CCONJ
fsr-3204	92	33	federal	federal	ADJ
fsr-3204	92	34	regulator	regulator	NOUN
fsr-3204	92	35	regarding	regard	VERB
fsr-3204	92	36	the	the	DET
fsr-3204	92	37	background	background	NOUN
fsr-3204	92	38	,	,	PUNCT
fsr-3204	92	39	registration	registration	NOUN
fsr-3204	92	40	,	,	PUNCT
fsr-3204	92	41	or	or	CCONJ
fsr-3204	92	42	license	license	NOUN
fsr-3204	92	43	of	of	ADP
fsr-3204	92	44	a	a	DET
fsr-3204	92	45	financial	financial	ADJ
fsr-3204	92	46	professional	professional	NOUN
fsr-3204	92	47	,	,	PUNCT
fsr-3204	92	48	and	and	CCONJ
fsr-3204	92	49	if	if	SCONJ
fsr-3204	92	50	they	they	PRON
fsr-3204	92	51	typically	typically	ADV
fsr-3204	92	52	consider	consider	VERB
fsr-3204	92	53	more	more	ADJ
fsr-3204	92	54	than	than	ADP
fsr-3204	92	55	one	one	NUM
fsr-3204	92	56	financial	financial	ADJ
fsr-3204	92	57	adviser	adviser	NOUN
fsr-3204	92	58	before	before	ADP
fsr-3204	92	59	making	make	VERB
fsr-3204	92	60	a	a	DET
fsr-3204	92	61	choice	choice	NOUN
fsr-3204	92	62	.	.	PUNCT
fsr-3204	93	1	possible	possible	ADJ
fsr-3204	93	2	responses	response	NOUN
fsr-3204	93	3	to	to	ADP
fsr-3204	93	4	these	these	DET
fsr-3204	93	5	questions	question	NOUN
fsr-3204	93	6	include	include	VERB
fsr-3204	93	7	yes	yes	INTJ
fsr-3204	93	8	and	and	CCONJ
fsr-3204	93	9	no	no	INTJ
fsr-3204	93	10	only	only	ADV
fsr-3204	93	11	.	.	PUNCT
fsr-3204	94	1	we	we	PRON
fsr-3204	94	2	then	then	ADV
fsr-3204	94	3	consider	consider	VERB
fsr-3204	94	4	how	how	SCONJ
fsr-3204	94	5	these	these	DET
fsr-3204	94	6	respondents	respondent	NOUN
fsr-3204	94	7	answer	answer	VERB
fsr-3204	94	8	the	the	DET
fsr-3204	94	9	question	question	NOUN
fsr-3204	94	10	of	of	ADP
fsr-3204	94	11	if	if	SCONJ
fsr-3204	94	12	they	they	PRON
fsr-3204	94	13	trust	trust	VERB
fsr-3204	94	14	financial	financial	ADJ
fsr-3204	94	15	professionals	professional	NOUN
fsr-3204	94	16	and	and	CCONJ
fsr-3204	94	17	accept	accept	VERB
fsr-3204	94	18	what	what	PRON
fsr-3204	94	19	they	they	PRON
fsr-3204	94	20	recommend	recommend	VERB
fsr-3204	94	21	with	with	ADP
fsr-3204	94	22	possible	possible	ADJ
fsr-3204	94	23	responses	response	NOUN
fsr-3204	94	24	being	be	AUX
fsr-3204	94	25	on	on	ADP
fsr-3204	94	26	a	a	DET
fsr-3204	94	27	1	1	NUM
fsr-3204	94	28	(	(	PUNCT
fsr-3204	94	29	strongly	strongly	ADV
fsr-3204	94	30	disagree	disagree	VERB
fsr-3204	94	31	)	)	PUNCT
fsr-3204	94	32	to	to	ADP
fsr-3204	94	33	7	7	NUM
fsr-3204	94	34	(	(	PUNCT
fsr-3204	94	35	strongly	strongly	ADV
fsr-3204	94	36	agree	agree	VERB
fsr-3204	94	37	)	)	PUNCT
fsr-3204	94	38	scale	scale	NOUN
fsr-3204	94	39	with	with	ADP
fsr-3204	94	40	4	4	NUM
fsr-3204	94	41	(	(	PUNCT
fsr-3204	94	42	neither	neither	CCONJ
fsr-3204	94	43	)	)	PUNCT
fsr-3204	94	44	being	be	AUX
fsr-3204	94	45	the	the	DET
fsr-3204	94	46	middle	middle	ADJ
fsr-3204	94	47	option	option	NOUN
fsr-3204	94	48	.	.	PUNCT
fsr-3204	95	1	from	from	ADP
fsr-3204	95	2	the	the	DET
fsr-3204	95	3	15,466	15,466	NUM
fsr-3204	95	4	respondents	respondent	NOUN
fsr-3204	95	5	who	who	PRON
fsr-3204	95	6	have	have	AUX
fsr-3204	95	7	used	use	VERB
fsr-3204	95	8	a	a	DET
fsr-3204	95	9	financial	financial	ADJ
fsr-3204	95	10	adviser	adviser	NOUN
fsr-3204	95	11	in	in	ADP
fsr-3204	95	12	the	the	DET
fsr-3204	95	13	past	past	ADJ
fsr-3204	95	14	five	five	NUM
fsr-3204	95	15	year	year	NOUN
fsr-3204	95	16	,	,	PUNCT
fsr-3204	95	17	we	we	PRON
fsr-3204	95	18	have	have	VERB
fsr-3204	95	19	a	a	DET
fsr-3204	95	20	final	final	ADJ
fsr-3204	95	21	sample	sample	NOUN
fsr-3204	95	22	of	of	ADP
fsr-3204	95	23	15,188	15,188	NUM
fsr-3204	95	24	respondents	respondent	NOUN
fsr-3204	95	25	who	who	PRON
fsr-3204	95	26	also	also	ADV
fsr-3204	95	27	answered	answer	VERB
fsr-3204	95	28	these	these	DET
fsr-3204	95	29	additional	additional	ADJ
fsr-3204	95	30	questions	question	NOUN
fsr-3204	95	31	of	of	ADP
fsr-3204	95	32	interest	interest	NOUN
fsr-3204	95	33	that	that	PRON
fsr-3204	95	34	we	we	PRON
fsr-3204	95	35	will	will	AUX
fsr-3204	95	36	use	use	VERB
fsr-3204	95	37	throughout	throughout	ADP
fsr-3204	95	38	our	our	PRON
fsr-3204	95	39	analysis	analysis	NOUN
fsr-3204	95	40	.	.	PUNCT
fsr-3204	96	1	3.2	3.2	NUM
fsr-3204	96	2	.	.	PUNCT
fsr-3204	96	3	methodology	methodology	NOUN
fsr-3204	96	4	using	use	VERB
fsr-3204	96	5	a	a	DET
fsr-3204	96	6	univariate	univariate	ADJ
fsr-3204	96	7	analysis	analysis	NOUN
fsr-3204	96	8	,	,	PUNCT
fsr-3204	96	9	we	we	PRON
fsr-3204	96	10	first	first	ADV
fsr-3204	96	11	identify	identify	VERB
fsr-3204	96	12	the	the	DET
fsr-3204	96	13	percentage	percentage	NOUN
fsr-3204	96	14	of	of	ADP
fsr-3204	96	15	respondents	respondent	NOUN
fsr-3204	96	16	in	in	ADP
fsr-3204	96	17	several	several	ADJ
fsr-3204	96	18	demographic	demographic	ADJ
fsr-3204	96	19	characteristic	characteristic	ADJ
fsr-3204	96	20	categories	category	NOUN
fsr-3204	96	21	who	who	PRON
fsr-3204	96	22	have	have	AUX
fsr-3204	96	23	used	use	VERB
fsr-3204	96	24	a	a	DET
fsr-3204	96	25	financial	financial	ADJ
fsr-3204	96	26	adviser	adviser	NOUN
fsr-3204	96	27	within	within	ADP
fsr-3204	96	28	the	the	DET
fsr-3204	96	29	past	past	ADJ
fsr-3204	96	30	five	five	NUM
fsr-3204	96	31	years	year	NOUN
fsr-3204	96	32	and	and	CCONJ
fsr-3204	96	33	have	have	AUX
fsr-3204	96	34	checked	check	VERB
fsr-3204	96	35	the	the	DET
fsr-3204	96	36	background	background	NOUN
fsr-3204	96	37	of	of	ADP
fsr-3204	96	38	a	a	DET
fsr-3204	96	39	financial	financial	ADJ
fsr-3204	96	40	adviser	adviser	NOUN
fsr-3204	96	41	,	,	PUNCT
fsr-3204	96	42	considered	consider	VERB
fsr-3204	96	43	more	more	ADJ
fsr-3204	96	44	than	than	ADP
fsr-3204	96	45	one	one	NUM
fsr-3204	96	46	adviser	adviser	NOUN
fsr-3204	96	47	before	before	ADP
fsr-3204	96	48	making	make	VERB
fsr-3204	96	49	a	a	DET
fsr-3204	96	50	choice	choice	NOUN
fsr-3204	96	51	,	,	PUNCT
fsr-3204	96	52	and	and	CCONJ
fsr-3204	96	53	have	have	AUX
fsr-3204	96	54	done	do	VERB
fsr-3204	96	55	both	both	PRON
fsr-3204	96	56	.	.	PUNCT
fsr-3204	97	1	we	we	PRON
fsr-3204	97	2	report	report	VERB
fsr-3204	97	3	these	these	DET
fsr-3204	97	4	results	result	NOUN
fsr-3204	97	5	for	for	ADP
fsr-3204	97	6	respondents	respondent	NOUN
fsr-3204	97	7	who	who	PRON
fsr-3204	97	8	have	have	AUX
fsr-3204	97	9	used	use	VERB
fsr-3204	97	10	at	at	ADP
fsr-3204	97	11	least	least	ADV
fsr-3204	97	12	one	one	NUM
fsr-3204	97	13	type	type	NOUN
fsr-3204	97	14	of	of	ADP
fsr-3204	97	15	financial	financial	ADJ
fsr-3204	97	16	adviser	adviser	NOUN
fsr-3204	97	17	(	(	PUNCT
fsr-3204	97	18	fa	fa	NOUN
fsr-3204	97	19	user	user	NOUN
fsr-3204	97	20	)	)	PUNCT
fsr-3204	97	21	and	and	CCONJ
fsr-3204	97	22	for	for	ADP
fsr-3204	97	23	each	each	DET
fsr-3204	97	24	specific	specific	ADJ
fsr-3204	97	25	type	type	NOUN
fsr-3204	97	26	of	of	ADP
fsr-3204	97	27	financial	financial	ADJ
fsr-3204	97	28	adviser	adviser	NOUN
fsr-3204	97	29	(	(	PUNCT
fsr-3204	97	30	debt	debt	NOUN
fsr-3204	97	31	counselor	counselor	NOUN
fsr-3204	97	32	,	,	PUNCT
fsr-3204	97	33	savings	saving	NOUN
fsr-3204	97	34	or	or	CCONJ
fsr-3204	97	35	investments	investment	NOUN
fsr-3204	97	36	,	,	PUNCT
fsr-3204	97	37	mortgage	mortgage	NOUN
fsr-3204	97	38	of	of	ADP
fsr-3204	97	39	loan	loan	NOUN
fsr-3204	97	40	,	,	PUNCT
fsr-3204	97	41	insurance	insurance	NOUN
fsr-3204	97	42	,	,	PUNCT
fsr-3204	97	43	or	or	CCONJ
fsr-3204	97	44	tax	tax	NOUN
fsr-3204	97	45	planning	planning	NOUN
fsr-3204	97	46	)	)	PUNCT
fsr-3204	97	47	separately	separately	ADV
fsr-3204	97	48	.	.	PUNCT
fsr-3204	98	1	the	the	DET
fsr-3204	98	2	demographic	demographic	ADJ
fsr-3204	98	3	characteristics	characteristic	NOUN
fsr-3204	98	4	considered	consider	VERB
fsr-3204	98	5	include	include	VERB
fsr-3204	98	6	gender	gender	NOUN
fsr-3204	98	7	,	,	PUNCT
fsr-3204	98	8	age	age	NOUN
fsr-3204	98	9	,	,	PUNCT
fsr-3204	98	10	ethnicity	ethnicity	NOUN
fsr-3204	98	11	,	,	PUNCT
fsr-3204	98	12	education	education	NOUN
fsr-3204	98	13	,	,	PUNCT
fsr-3204	98	14	marital	marital	ADJ
fsr-3204	98	15	status	status	NOUN
fsr-3204	98	16	,	,	PUNCT
fsr-3204	98	17	income	income	NOUN
fsr-3204	98	18	,	,	PUNCT
fsr-3204	98	19	employment	employment	NOUN
fsr-3204	98	20	,	,	PUNCT
fsr-3204	98	21	and	and	CCONJ
fsr-3204	98	22	region	region	NOUN
fsr-3204	98	23	.	.	PUNCT
fsr-3204	99	1	these	these	DET
fsr-3204	99	2	demographic	demographic	ADJ
fsr-3204	99	3	characteristics	characteristic	NOUN
fsr-3204	99	4	have	have	AUX
fsr-3204	99	5	been	be	AUX
fsr-3204	99	6	shown	show	VERB
fsr-3204	99	7	to	to	PART
fsr-3204	99	8	impact	impact	VERB
fsr-3204	99	9	personal	personal	ADJ
fsr-3204	99	10	financial	financial	ADJ
fsr-3204	99	11	behavior	behavior	NOUN
fsr-3204	99	12	and	and	CCONJ
fsr-3204	99	13	the	the	DET
fsr-3204	99	14	probability	probability	NOUN
fsr-3204	99	15	of	of	ADP
fsr-3204	99	16	using	use	VERB
fsr-3204	99	17	a	a	DET
fsr-3204	99	18	financial	financial	ADJ
fsr-3204	99	19	adviser	adviser	NOUN
fsr-3204	99	20	when	when	SCONJ
fsr-3204	99	21	making	make	VERB
fsr-3204	99	22	financial	financial	ADJ
fsr-3204	99	23	decisions	decision	NOUN
fsr-3204	99	24	(	(	PUNCT
fsr-3204	99	25	barber	barber	NOUN
fsr-3204	99	26	and	and	CCONJ
fsr-3204	99	27	odean	odean	ADJ
fsr-3204	99	28	,	,	PUNCT
fsr-3204	99	29	2001	2001	NUM
fsr-3204	99	30	;	;	PUNCT
fsr-3204	99	31	elmerick	elmerick	VERB
fsr-3204	99	32	et	et	PROPN
fsr-3204	99	33	al	al	PROPN
fsr-3204	99	34	.	.	PROPN
fsr-3204	99	35	,	,	PUNCT
fsr-3204	99	36	2002	2002	NUM
fsr-3204	99	37	)	)	PUNCT
fsr-3204	99	38	.	.	PUNCT
fsr-3204	100	1	we	we	PRON
fsr-3204	100	2	then	then	ADV
fsr-3204	100	3	estimate	estimate	VERB
fsr-3204	100	4	a	a	DET
fsr-3204	100	5	multinomial	multinomial	ADJ
fsr-3204	100	6	logit	logit	NOUN
fsr-3204	100	7	regression	regression	NOUN
fsr-3204	100	8	model	model	NOUN
fsr-3204	100	9	using	use	VERB
fsr-3204	100	10	the	the	DET
fsr-3204	100	11	same	same	ADJ
fsr-3204	100	12	sample	sample	NOUN
fsr-3204	100	13	of	of	ADP
fsr-3204	100	14	respondents	respondent	NOUN
fsr-3204	100	15	who	who	PRON
fsr-3204	100	16	used	use	VERB
fsr-3204	100	17	at	at	ADP
fsr-3204	100	18	least	least	ADV
fsr-3204	100	19	one	one	NUM
fsr-3204	100	20	type	type	NOUN
fsr-3204	100	21	of	of	ADP
fsr-3204	100	22	financial	financial	ADJ
fsr-3204	100	23	adviser	adviser	NOUN
fsr-3204	100	24	to	to	PART
fsr-3204	100	25	determine	determine	VERB
fsr-3204	100	26	what	what	PRON
fsr-3204	100	27	demographic	demographic	ADJ
fsr-3204	100	28	characteristics	characteristic	NOUN
fsr-3204	100	29	impact	impact	VERB
fsr-3204	100	30	the	the	DET
fsr-3204	100	31	probability	probability	NOUN
fsr-3204	100	32	of	of	ADP
fsr-3204	100	33	a	a	DET
fsr-3204	100	34	financial	financial	ADJ
fsr-3204	100	35	adviser	adviser	NOUN
fsr-3204	100	36	user	user	NOUN
fsr-3204	100	37	checking	check	VERB
fsr-3204	100	38	the	the	DET
fsr-3204	100	39	background	background	NOUN
fsr-3204	100	40	of	of	ADP
fsr-3204	100	41	financial	financial	ADJ
fsr-3204	100	42	advisers	adviser	NOUN
fsr-3204	100	43	.	.	PUNCT
fsr-3204	101	1	the	the	DET
fsr-3204	101	2	dependent	dependent	ADJ
fsr-3204	101	3	variable	variable	NOUN
fsr-3204	101	4	,	,	PUNCT
fsr-3204	101	5	financial	financial	ADJ
fsr-3204	101	6	adviser	adviser	NOUN
fsr-3204	101	7	background	background	NOUN
fsr-3204	101	8	checks	check	NOUN
fsr-3204	101	9	,	,	PUNCT
fsr-3204	101	10	is	be	AUX
fsr-3204	101	11	set	set	VERB
fsr-3204	101	12	equal	equal	ADJ
fsr-3204	101	13	to	to	ADP
fsr-3204	101	14	1	1	NUM
fsr-3204	101	15	if	if	SCONJ
fsr-3204	101	16	the	the	DET
fsr-3204	101	17	financial	financial	ADJ
fsr-3204	101	18	adviser	adviser	NOUN
fsr-3204	101	19	user	user	NOUN
fsr-3204	101	20	checked	check	VERB
fsr-3204	101	21	the	the	DET
fsr-3204	101	22	background	background	NOUN
fsr-3204	101	23	of	of	ADP
fsr-3204	101	24	a	a	DET
fsr-3204	101	25	financial	financial	ADJ
fsr-3204	101	26	adviser	adviser	NOUN
fsr-3204	101	27	in	in	ADP
fsr-3204	101	28	the	the	DET
fsr-3204	101	29	past	past	ADJ
fsr-3204	101	30	five	five	NUM
fsr-3204	101	31	years	year	NOUN
fsr-3204	101	32	,	,	PUNCT
fsr-3204	101	33	and	and	CCONJ
fsr-3204	101	34	0	0	NUM
fsr-3204	101	35	otherwise	otherwise	ADV
fsr-3204	101	36	.	.	PUNCT
fsr-3204	102	1	we	we	PRON
fsr-3204	102	2	also	also	ADV
fsr-3204	102	3	estimate	estimate	VERB
fsr-3204	102	4	a	a	DET
fsr-3204	102	5	multinomial	multinomial	ADJ
fsr-3204	102	6	logit	logit	NOUN
fsr-3204	102	7	model	model	NOUN
fsr-3204	102	8	to	to	PART
fsr-3204	102	9	determine	determine	VERB
fsr-3204	102	10	what	what	PRON
fsr-3204	102	11	demographic	demographic	ADJ
fsr-3204	102	12	characteristics	characteristic	NOUN
fsr-3204	102	13	impact	impact	VERB
fsr-3204	102	14	the	the	DET
fsr-3204	102	15	probability	probability	NOUN
fsr-3204	102	16	of	of	ADP
fsr-3204	102	17	a	a	DET
fsr-3204	102	18	financial	financial	ADJ
fsr-3204	102	19	adviser	adviser	NOUN
fsr-3204	102	20	user	user	NOUN
fsr-3204	102	21	considering	consider	VERB
fsr-3204	102	22	more	more	ADJ
fsr-3204	102	23	than	than	ADP
fsr-3204	102	24	one	one	NUM
fsr-3204	102	25	adviser	adviser	NOUN
fsr-3204	102	26	before	before	ADP
fsr-3204	102	27	making	make	VERB
fsr-3204	102	28	a	a	DET
fsr-3204	102	29	choice	choice	NOUN
fsr-3204	102	30	.	.	PUNCT
fsr-3204	103	1	in	in	ADP
fsr-3204	103	2	this	this	DET
fsr-3204	103	3	model	model	NOUN
fsr-3204	103	4	,	,	PUNCT
fsr-3204	103	5	the	the	DET
fsr-3204	103	6	dependent	dependent	ADJ
fsr-3204	103	7	variable	variable	NOUN
fsr-3204	103	8	,	,	PUNCT
fsr-3204	103	9	considered	consider	VERB
fsr-3204	103	10	�	�	PROPN
fsr-3204	103	11	1	1	NUM
fsr-3204	103	12	financial	financial	ADJ
fsr-3204	103	13	adviser	adviser	NOUN
fsr-3204	103	14	,	,	PUNCT
fsr-3204	103	15	is	be	AUX
fsr-3204	103	16	set	set	VERB
fsr-3204	103	17	equal	equal	ADJ
fsr-3204	103	18	to	to	ADP
fsr-3204	103	19	1	1	NUM
fsr-3204	103	20	if	if	SCONJ
fsr-3204	103	21	the	the	DET
fsr-3204	103	22	financial	financial	ADJ
fsr-3204	103	23	adviser	adviser	NOUN
fsr-3204	103	24	user	user	NOUN
fsr-3204	103	25	considered	consider	VERB
fsr-3204	103	26	more	more	ADJ
fsr-3204	103	27	than	than	ADP
fsr-3204	103	28	one	one	NUM
fsr-3204	103	29	financial	financial	ADJ
fsr-3204	103	30	adviser	adviser	NOUN
fsr-3204	103	31	before	before	ADP
fsr-3204	103	32	making	make	VERB
fsr-3204	103	33	a	a	DET
fsr-3204	103	34	choice	choice	NOUN
fsr-3204	103	35	,	,	PUNCT
fsr-3204	103	36	and	and	CCONJ
fsr-3204	103	37	0	0	NUM
fsr-3204	103	38	otherwise	otherwise	ADV
fsr-3204	103	39	.	.	PUNCT
fsr-3204	104	1	the	the	DET
fsr-3204	104	2	demographic	demographic	ADJ
fsr-3204	104	3	characteristics	characteristic	NOUN
fsr-3204	104	4	included	include	VERB
fsr-3204	104	5	are	be	AUX
fsr-3204	104	6	female	female	ADJ
fsr-3204	104	7	,	,	PUNCT
fsr-3204	104	8	age	age	NOUN
fsr-3204	104	9	,	,	PUNCT
fsr-3204	104	10	black	black	ADJ
fsr-3204	104	11	(	(	PUNCT
fsr-3204	104	12	non	non	ADJ
fsr-3204	104	13	-	-	ADJ
fsr-3204	104	14	hispanic	hispanic	ADJ
fsr-3204	104	15	)	)	PUNCT
fsr-3204	104	16	,	,	PUNCT
fsr-3204	104	17	education	education	NOUN
fsr-3204	104	18	,	,	PUNCT
fsr-3204	104	19	marital	marital	ADJ
fsr-3204	104	20	status	status	NOUN
fsr-3204	104	21	,	,	PUNCT
fsr-3204	104	22	income	income	NOUN
fsr-3204	104	23	,	,	PUNCT
fsr-3204	104	24	employment	employment	NOUN
fsr-3204	104	25	,	,	PUNCT
fsr-3204	104	26	and	and	CCONJ
fsr-3204	104	27	region	region	NOUN
fsr-3204	104	28	.	.	PUNCT
fsr-3204	105	1	the	the	DET
fsr-3204	105	2	categories	category	NOUN
fsr-3204	105	3	within	within	ADP
fsr-3204	105	4	each	each	DET
fsr-3204	105	5	demographic	demographic	ADJ
fsr-3204	105	6	characteristic	characteristic	NOUN
fsr-3204	105	7	(	(	PUNCT
fsr-3204	105	8	i.e.	i.e.	X
fsr-3204	105	9	,	,	PUNCT
fsr-3204	105	10	high	high	ADJ
fsr-3204	105	11	school	school	NOUN
fsr-3204	105	12	within	within	ADP
fsr-3204	105	13	the	the	DET
fsr-3204	105	14	education	education	NOUN
fsr-3204	105	15	demographic	demographic	ADJ
fsr-3204	105	16	characteristic	characteristic	NOUN
fsr-3204	105	17	)	)	PUNCT
fsr-3204	105	18	are	be	AUX
fsr-3204	105	19	set	set	VERB
fsr-3204	105	20	equal	equal	ADJ
fsr-3204	105	21	to	to	ADP
fsr-3204	105	22	1	1	NUM
fsr-3204	105	23	if	if	SCONJ
fsr-3204	105	24	the	the	DET
fsr-3204	105	25	respondent	respondent	NOUN
fsr-3204	105	26	identifies	identify	VERB
fsr-3204	105	27	themselves	themselves	PRON
fsr-3204	105	28	to	to	PART
fsr-3204	105	29	be	be	AUX
fsr-3204	105	30	in	in	ADP
fsr-3204	105	31	that	that	DET
fsr-3204	105	32	categorical	categorical	ADJ
fsr-3204	105	33	group	group	NOUN
fsr-3204	105	34	,	,	PUNCT
fsr-3204	105	35	and	and	CCONJ
fsr-3204	105	36	0	0	NUM
fsr-3204	105	37	otherwise	otherwise	ADV
fsr-3204	105	38	.	.	PUNCT
fsr-3204	106	1	positive	positive	ADJ
fsr-3204	106	2	(	(	PUNCT
fsr-3204	106	3	negative	negative	ADJ
fsr-3204	106	4	)	)	PUNCT
fsr-3204	106	5	coefficient	coefficient	NOUN
fsr-3204	106	6	estimates	estimate	NOUN
fsr-3204	106	7	indicate	indicate	VERB
fsr-3204	106	8	that	that	SCONJ
fsr-3204	106	9	demographic	demographic	ADJ
fsr-3204	106	10	characteristic	characteristic	NOUN
fsr-3204	106	11	is	be	AUX
fsr-3204	106	12	more	more	ADV
fsr-3204	106	13	(	(	PUNCT
fsr-3204	106	14	less	less	ADJ
fsr-3204	106	15	)	)	PUNCT
fsr-3204	106	16	likely	likely	ADJ
fsr-3204	106	17	to	to	PART
fsr-3204	106	18	check	check	VERB
fsr-3204	106	19	the	the	DET
fsr-3204	106	20	background	background	NOUN
fsr-3204	106	21	of	of	ADP
fsr-3204	106	22	their	their	PRON
fsr-3204	106	23	adviser	adviser	NOUN
fsr-3204	106	24	,	,	PUNCT
fsr-3204	106	25	or	or	CCONJ
fsr-3204	106	26	consider	consider	VERB
fsr-3204	106	27	more	more	ADJ
fsr-3204	106	28	than	than	ADP
fsr-3204	106	29	one	one	NUM
fsr-3204	106	30	financial	financial	ADJ
fsr-3204	106	31	adviser	adviser	NOUN
fsr-3204	106	32	before	before	ADP
fsr-3204	106	33	making	make	VERB
fsr-3204	106	34	a	a	DET
fsr-3204	106	35	choice	choice	NOUN
fsr-3204	106	36	,	,	PUNCT
fsr-3204	106	37	compared	compare	VERB
fsr-3204	106	38	to	to	ADP
fsr-3204	106	39	the	the	DET
fsr-3204	106	40	reference	reference	NOUN
fsr-3204	106	41	category	category	NOUN
fsr-3204	106	42	.	.	PUNCT
fsr-3204	107	1	310	310	NUM
fsr-3204	107	2	b.	b.	PROPN
fsr-3204	107	3	balasubramnian	balasubramnian	PROPN
fsr-3204	107	4	et	et	PROPN
fsr-3204	107	5	al	al	PROPN
fsr-3204	107	6	.	.	PUNCT
fsr-3204	107	7	/	/	SYM
fsr-3204	107	8	financial	financial	ADJ
fsr-3204	107	9	services	service	NOUN
fsr-3204	107	10	review	review	VERB
fsr-3204	107	11	23	23	NUM
fsr-3204	107	12	(	(	PUNCT
fsr-3204	107	13	2014	2014	NUM
fsr-3204	107	14	)	)	PUNCT
fsr-3204	107	15	305–324	305–324	NOUN
fsr-3204	107	16	we	we	PRON
fsr-3204	107	17	also	also	ADV
fsr-3204	107	18	consider	consider	VERB
fsr-3204	107	19	the	the	DET
fsr-3204	107	20	likelihood	likelihood	NOUN
fsr-3204	107	21	of	of	ADP
fsr-3204	107	22	checking	check	VERB
fsr-3204	107	23	the	the	DET
fsr-3204	107	24	background	background	NOUN
fsr-3204	107	25	of	of	ADP
fsr-3204	107	26	a	a	DET
fsr-3204	107	27	financial	financial	ADJ
fsr-3204	107	28	adviser	adviser	NOUN
fsr-3204	107	29	,	,	PUNCT
fsr-3204	107	30	or	or	CCONJ
fsr-3204	107	31	considering	consider	VERB
fsr-3204	107	32	more	more	ADJ
fsr-3204	107	33	than	than	ADP
fsr-3204	107	34	one	one	NUM
fsr-3204	107	35	financial	financial	ADJ
fsr-3204	107	36	adviser	adviser	NOUN
fsr-3204	107	37	before	before	ADP
fsr-3204	107	38	making	make	VERB
fsr-3204	107	39	a	a	DET
fsr-3204	107	40	choice	choice	NOUN
fsr-3204	107	41	,	,	PUNCT
fsr-3204	107	42	based	base	VERB
fsr-3204	107	43	on	on	ADP
fsr-3204	107	44	the	the	DET
fsr-3204	107	45	type	type	NOUN
fsr-3204	107	46	of	of	ADP
fsr-3204	107	47	financial	financial	ADJ
fsr-3204	107	48	adviser	adviser	NOUN
fsr-3204	107	49	the	the	DET
fsr-3204	107	50	survey	survey	NOUN
fsr-3204	107	51	respondent	respondent	NOUN
fsr-3204	107	52	has	have	AUX
fsr-3204	107	53	used	use	VERB
fsr-3204	107	54	in	in	ADP
fsr-3204	107	55	the	the	DET
fsr-3204	107	56	past	past	ADJ
fsr-3204	107	57	five	five	NUM
fsr-3204	107	58	years	year	NOUN
fsr-3204	107	59	while	while	SCONJ
fsr-3204	107	60	controlling	control	VERB
fsr-3204	107	61	for	for	ADP
fsr-3204	107	62	demographic	demographic	ADJ
fsr-3204	107	63	characteristics	characteristic	NOUN
fsr-3204	107	64	.	.	PUNCT
fsr-3204	108	1	this	this	PRON
fsr-3204	108	2	is	be	AUX
fsr-3204	108	3	accomplished	accomplish	VERB
fsr-3204	108	4	by	by	ADP
fsr-3204	108	5	estimating	estimate	VERB
fsr-3204	108	6	a	a	DET
fsr-3204	108	7	similar	similar	ADJ
fsr-3204	108	8	multinomial	multinomial	ADJ
fsr-3204	108	9	logit	logit	NOUN
fsr-3204	108	10	model	model	NOUN
fsr-3204	108	11	for	for	ADP
fsr-3204	108	12	both	both	DET
fsr-3204	108	13	financial	financial	ADJ
fsr-3204	108	14	adviser	adviser	NOUN
fsr-3204	108	15	background	background	NOUN
fsr-3204	108	16	checks	check	NOUN
fsr-3204	108	17	and	and	CCONJ
fsr-3204	108	18	considered	consider	VERB
fsr-3204	108	19	�	�	PROPN
fsr-3204	108	20	1	1	NUM
fsr-3204	108	21	financial	financial	ADJ
fsr-3204	108	22	adviser	adviser	NOUN
fsr-3204	108	23	where	where	SCONJ
fsr-3204	108	24	we	we	PRON
fsr-3204	108	25	include	include	VERB
fsr-3204	108	26	independent	independent	ADJ
fsr-3204	108	27	dummy	dummy	ADJ
fsr-3204	108	28	variables	variable	NOUN
fsr-3204	108	29	for	for	ADP
fsr-3204	108	30	debt	debt	NOUN
fsr-3204	108	31	counseling	counseling	NOUN
fsr-3204	108	32	,	,	PUNCT
fsr-3204	108	33	savings	saving	NOUN
fsr-3204	108	34	or	or	CCONJ
fsr-3204	108	35	investments	investment	NOUN
fsr-3204	108	36	,	,	PUNCT
fsr-3204	108	37	mortgage	mortgage	NOUN
fsr-3204	108	38	or	or	CCONJ
fsr-3204	108	39	loan	loan	NOUN
fsr-3204	108	40	,	,	PUNCT
fsr-3204	108	41	insurance	insurance	NOUN
fsr-3204	108	42	,	,	PUNCT
fsr-3204	108	43	and	and	CCONJ
fsr-3204	108	44	tax	tax	NOUN
fsr-3204	108	45	planning	planning	NOUN
fsr-3204	108	46	that	that	PRON
fsr-3204	108	47	are	be	AUX
fsr-3204	108	48	set	set	VERB
fsr-3204	108	49	equal	equal	ADJ
fsr-3204	108	50	to	to	ADP
fsr-3204	108	51	1	1	NUM
fsr-3204	108	52	if	if	SCONJ
fsr-3204	108	53	the	the	DET
fsr-3204	108	54	respondent	respondent	NOUN
fsr-3204	108	55	used	use	VERB
fsr-3204	108	56	that	that	DET
fsr-3204	108	57	type	type	NOUN
fsr-3204	108	58	of	of	ADP
fsr-3204	108	59	financial	financial	ADJ
fsr-3204	108	60	adviser	adviser	NOUN
fsr-3204	108	61	in	in	ADP
fsr-3204	108	62	the	the	DET
fsr-3204	108	63	past	past	ADJ
fsr-3204	108	64	five	five	NUM
fsr-3204	108	65	years	year	NOUN
fsr-3204	108	66	,	,	PUNCT
fsr-3204	108	67	and	and	CCONJ
fsr-3204	108	68	0	0	NUM
fsr-3204	108	69	otherwise	otherwise	ADV
fsr-3204	108	70	.	.	PUNCT
fsr-3204	109	1	we	we	PRON
fsr-3204	109	2	include	include	VERB
fsr-3204	109	3	the	the	DET
fsr-3204	109	4	demographic	demographic	ADJ
fsr-3204	109	5	characteristic	characteristic	ADJ
fsr-3204	109	6	variables	variable	NOUN
fsr-3204	109	7	as	as	ADP
fsr-3204	109	8	control	control	NOUN
fsr-3204	109	9	variables	variable	NOUN
fsr-3204	109	10	in	in	ADP
fsr-3204	109	11	this	this	DET
fsr-3204	109	12	model	model	NOUN
fsr-3204	109	13	.	.	PUNCT
fsr-3204	110	1	finally	finally	ADV
fsr-3204	110	2	,	,	PUNCT
fsr-3204	110	3	we	we	PRON
fsr-3204	110	4	consider	consider	VERB
fsr-3204	110	5	the	the	DET
fsr-3204	110	6	impact	impact	NOUN
fsr-3204	110	7	that	that	PRON
fsr-3204	110	8	conducting	conduct	VERB
fsr-3204	110	9	a	a	DET
fsr-3204	110	10	background	background	NOUN
fsr-3204	110	11	check	check	NOUN
fsr-3204	110	12	on	on	ADP
fsr-3204	110	13	financial	financial	ADJ
fsr-3204	110	14	advisers	adviser	NOUN
fsr-3204	110	15	,	,	PUNCT
fsr-3204	110	16	or	or	CCONJ
fsr-3204	110	17	considering	consider	VERB
fsr-3204	110	18	more	more	ADJ
fsr-3204	110	19	than	than	ADP
fsr-3204	110	20	one	one	NUM
fsr-3204	110	21	financial	financial	ADJ
fsr-3204	110	22	adviser	adviser	NOUN
fsr-3204	110	23	before	before	ADP
fsr-3204	110	24	making	make	VERB
fsr-3204	110	25	a	a	DET
fsr-3204	110	26	choice	choice	NOUN
fsr-3204	110	27	,	,	PUNCT
fsr-3204	110	28	has	have	AUX
fsr-3204	110	29	on	on	ADP
fsr-3204	110	30	the	the	DET
fsr-3204	110	31	level	level	NOUN
fsr-3204	110	32	of	of	ADP
fsr-3204	110	33	trust	trust	NOUN
fsr-3204	110	34	survey	survey	NOUN
fsr-3204	110	35	respondents	respondent	NOUN
fsr-3204	110	36	have	have	VERB
fsr-3204	110	37	in	in	ADP
fsr-3204	110	38	their	their	PRON
fsr-3204	110	39	financial	financial	ADJ
fsr-3204	110	40	advisers	adviser	NOUN
fsr-3204	110	41	.	.	PUNCT
fsr-3204	111	1	we	we	PRON
fsr-3204	111	2	use	use	VERB
fsr-3204	111	3	a	a	DET
fsr-3204	111	4	tobit	tobit	NOUN
fsr-3204	111	5	regression	regression	NOUN
fsr-3204	111	6	model	model	NOUN
fsr-3204	111	7	where	where	SCONJ
fsr-3204	111	8	the	the	DET
fsr-3204	111	9	dependent	dependent	ADJ
fsr-3204	111	10	variable	variable	NOUN
fsr-3204	111	11	,	,	PUNCT
fsr-3204	111	12	trust	trust	NOUN
fsr-3204	111	13	in	in	ADP
fsr-3204	111	14	financial	financial	ADJ
fsr-3204	111	15	adviser	adviser	NOUN
fsr-3204	111	16	,	,	PUNCT
fsr-3204	111	17	is	be	AUX
fsr-3204	111	18	a	a	DET
fsr-3204	111	19	categorical	categorical	ADJ
fsr-3204	111	20	variable	variable	NOUN
fsr-3204	111	21	ranging	range	VERB
fsr-3204	111	22	from	from	ADP
fsr-3204	111	23	1	1	NUM
fsr-3204	111	24	(	(	PUNCT
fsr-3204	111	25	strongly	strongly	ADV
fsr-3204	111	26	disagree	disagree	VERB
fsr-3204	111	27	)	)	PUNCT
fsr-3204	111	28	to	to	ADP
fsr-3204	111	29	7	7	NUM
fsr-3204	111	30	(	(	PUNCT
fsr-3204	111	31	strongly	strongly	ADV
fsr-3204	111	32	agree	agree	ADJ
fsr-3204	111	33	)	)	PUNCT
fsr-3204	111	34	based	base	VERB
fsr-3204	111	35	on	on	ADP
fsr-3204	111	36	the	the	DET
fsr-3204	111	37	survey	survey	NOUN
fsr-3204	111	38	respondent	respondent	NOUN
fsr-3204	111	39	’s	’s	PART
fsr-3204	111	40	answer	answer	NOUN
fsr-3204	111	41	to	to	ADP
fsr-3204	111	42	the	the	DET
fsr-3204	111	43	question	question	NOUN
fsr-3204	111	44	“	"	PUNCT
fsr-3204	111	45	i	i	PRON
fsr-3204	111	46	would	would	AUX
fsr-3204	111	47	trust	trust	VERB
fsr-3204	111	48	financial	financial	ADJ
fsr-3204	111	49	professionals	professional	NOUN
fsr-3204	111	50	and	and	CCONJ
fsr-3204	111	51	accept	accept	VERB
fsr-3204	111	52	what	what	PRON
fsr-3204	111	53	they	they	PRON
fsr-3204	111	54	recommend	recommend	VERB
fsr-3204	111	55	.	.	PUNCT
fsr-3204	111	56	”	"	PUNCT
fsr-3204	112	1	the	the	DET
fsr-3204	112	2	independent	independent	ADJ
fsr-3204	112	3	variable	variable	NOUN
fsr-3204	112	4	of	of	ADP
fsr-3204	112	5	interest	interest	NOUN
fsr-3204	112	6	in	in	ADP
fsr-3204	112	7	the	the	DET
fsr-3204	112	8	first	first	ADJ
fsr-3204	112	9	tobit	tobit	NOUN
fsr-3204	112	10	model	model	NOUN
fsr-3204	112	11	is	be	AUX
fsr-3204	112	12	background	background	NOUN
fsr-3204	112	13	check	check	NOUN
fsr-3204	112	14	that	that	PRON
fsr-3204	112	15	is	be	AUX
fsr-3204	112	16	set	set	VERB
fsr-3204	112	17	equal	equal	ADJ
fsr-3204	112	18	to	to	ADP
fsr-3204	112	19	1	1	NUM
fsr-3204	112	20	if	if	SCONJ
fsr-3204	112	21	the	the	DET
fsr-3204	112	22	respondent	respondent	NOUN
fsr-3204	112	23	checked	check	VERB
fsr-3204	112	24	the	the	DET
fsr-3204	112	25	background	background	NOUN
fsr-3204	112	26	a	a	DET
fsr-3204	112	27	financial	financial	ADJ
fsr-3204	112	28	adviser	adviser	NOUN
fsr-3204	112	29	in	in	ADP
fsr-3204	112	30	the	the	DET
fsr-3204	112	31	past	past	ADJ
fsr-3204	112	32	five	five	NUM
fsr-3204	112	33	years	year	NOUN
fsr-3204	112	34	,	,	PUNCT
fsr-3204	112	35	0	0	NUM
fsr-3204	112	36	otherwise	otherwise	ADV
fsr-3204	112	37	.	.	PUNCT
fsr-3204	113	1	we	we	PRON
fsr-3204	113	2	also	also	ADV
fsr-3204	113	3	estimate	estimate	VERB
fsr-3204	113	4	a	a	DET
fsr-3204	113	5	second	second	ADJ
fsr-3204	113	6	tobit	tobit	NOUN
fsr-3204	113	7	model	model	NOUN
fsr-3204	113	8	where	where	SCONJ
fsr-3204	113	9	the	the	DET
fsr-3204	113	10	independent	independent	ADJ
fsr-3204	113	11	variable	variable	NOUN
fsr-3204	113	12	of	of	ADP
fsr-3204	113	13	interest	interest	NOUN
fsr-3204	113	14	is	be	AUX
fsr-3204	113	15	considered	consider	VERB
fsr-3204	113	16	�	�	NOUN
fsr-3204	113	17	1	1	NUM
fsr-3204	113	18	financial	financial	ADJ
fsr-3204	113	19	adviser	adviser	NOUN
fsr-3204	113	20	that	that	PRON
fsr-3204	113	21	is	be	AUX
fsr-3204	113	22	set	set	VERB
fsr-3204	113	23	equal	equal	ADJ
fsr-3204	113	24	to	to	ADP
fsr-3204	113	25	1	1	NUM
fsr-3204	113	26	if	if	SCONJ
fsr-3204	113	27	the	the	DET
fsr-3204	113	28	respondent	respondent	NOUN
fsr-3204	113	29	considered	consider	VERB
fsr-3204	113	30	more	more	ADJ
fsr-3204	113	31	than	than	ADP
fsr-3204	113	32	one	one	NUM
fsr-3204	113	33	financial	financial	ADJ
fsr-3204	113	34	adviser	adviser	NOUN
fsr-3204	113	35	before	before	ADP
fsr-3204	113	36	making	make	VERB
fsr-3204	113	37	a	a	DET
fsr-3204	113	38	choice	choice	NOUN
fsr-3204	113	39	,	,	PUNCT
fsr-3204	113	40	0	0	NUM
fsr-3204	113	41	otherwise	otherwise	ADV
fsr-3204	113	42	.	.	PUNCT
fsr-3204	114	1	we	we	PRON
fsr-3204	114	2	also	also	ADV
fsr-3204	114	3	include	include	VERB
fsr-3204	114	4	the	the	DET
fsr-3204	114	5	demographic	demographic	ADJ
fsr-3204	114	6	characteristic	characteristic	ADJ
fsr-3204	114	7	variables	variable	NOUN
fsr-3204	114	8	as	as	ADP
fsr-3204	114	9	control	control	NOUN
fsr-3204	114	10	variables	variable	NOUN
fsr-3204	114	11	in	in	ADP
fsr-3204	114	12	both	both	DET
fsr-3204	114	13	models	model	NOUN
fsr-3204	114	14	as	as	SCONJ
fsr-3204	114	15	it	it	PRON
fsr-3204	114	16	would	would	AUX
fsr-3204	114	17	be	be	AUX
fsr-3204	114	18	expected	expect	VERB
fsr-3204	114	19	that	that	SCONJ
fsr-3204	114	20	these	these	DET
fsr-3204	114	21	characteristics	characteristic	NOUN
fsr-3204	114	22	would	would	AUX
fsr-3204	114	23	impact	impact	VERB
fsr-3204	114	24	trust	trust	NOUN
fsr-3204	114	25	levels	level	NOUN
fsr-3204	114	26	in	in	ADP
fsr-3204	114	27	financial	financial	ADJ
fsr-3204	114	28	advisers	adviser	NOUN
fsr-3204	114	29	.	.	PUNCT
fsr-3204	115	1	4	4	X
fsr-3204	115	2	.	.	X
fsr-3204	115	3	empirical	empirical	ADJ
fsr-3204	115	4	results	result	NOUN
fsr-3204	115	5	4.1	4.1	NUM
fsr-3204	115	6	.	.	PUNCT
fsr-3204	116	1	summary	summary	NOUN
fsr-3204	116	2	statistics	statistic	NOUN
fsr-3204	116	3	we	we	PRON
fsr-3204	116	4	present	present	VERB
fsr-3204	116	5	the	the	DET
fsr-3204	116	6	summary	summary	NOUN
fsr-3204	116	7	statistics	statistic	NOUN
fsr-3204	116	8	in	in	ADP
fsr-3204	116	9	table	table	NOUN
fsr-3204	116	10	1	1	NUM
fsr-3204	116	11	.	.	PUNCT
fsr-3204	116	12	of	of	ADP
fsr-3204	116	13	the	the	DET
fsr-3204	116	14	15,188	15,188	NUM
fsr-3204	116	15	surveyed	survey	VERB
fsr-3204	116	16	who	who	PRON
fsr-3204	116	17	responded	respond	VERB
fsr-3204	116	18	that	that	SCONJ
fsr-3204	116	19	they	they	PRON
fsr-3204	116	20	used	use	VERB
fsr-3204	116	21	the	the	DET
fsr-3204	116	22	services	service	NOUN
fsr-3204	116	23	of	of	ADP
fsr-3204	116	24	a	a	DET
fsr-3204	116	25	financial	financial	ADJ
fsr-3204	116	26	adviser	adviser	NOUN
fsr-3204	116	27	in	in	ADP
fsr-3204	116	28	the	the	DET
fsr-3204	116	29	last	last	ADJ
fsr-3204	116	30	five	five	NUM
fsr-3204	116	31	years	year	NOUN
fsr-3204	116	32	(	(	PUNCT
fsr-3204	116	33	fa	fa	NOUN
fsr-3204	116	34	users	user	NOUN
fsr-3204	116	35	)	)	PUNCT
fsr-3204	116	36	,	,	PUNCT
fsr-3204	116	37	only	only	ADV
fsr-3204	116	38	14.2	14.2	NUM
fsr-3204	116	39	%	%	NOUN
fsr-3204	116	40	claimed	claim	VERB
fsr-3204	116	41	to	to	PART
fsr-3204	116	42	have	have	AUX
fsr-3204	116	43	checked	check	VERB
fsr-3204	116	44	the	the	DET
fsr-3204	116	45	background	background	NOUN
fsr-3204	116	46	of	of	ADP
fsr-3204	116	47	a	a	DET
fsr-3204	116	48	financial	financial	ADJ
fsr-3204	116	49	adviser	adviser	NOUN
fsr-3204	116	50	(	(	PUNCT
fsr-3204	116	51	%	%	INTJ
fsr-3204	116	52	checked	check	VERB
fsr-3204	116	53	background	background	NOUN
fsr-3204	116	54	)	)	PUNCT
fsr-3204	116	55	during	during	ADP
fsr-3204	116	56	that	that	DET
fsr-3204	116	57	same	same	ADJ
fsr-3204	116	58	time	time	NOUN
fsr-3204	116	59	period	period	NOUN
fsr-3204	116	60	.	.	PUNCT
fsr-3204	117	1	however	however	ADV
fsr-3204	117	2	,	,	PUNCT
fsr-3204	117	3	45.9	45.9	NUM
fsr-3204	117	4	%	%	NOUN
fsr-3204	117	5	of	of	ADP
fsr-3204	117	6	financial	financial	ADJ
fsr-3204	117	7	adviser	adviser	NOUN
fsr-3204	117	8	users	user	NOUN
fsr-3204	117	9	considered	consider	VERB
fsr-3204	117	10	more	more	ADJ
fsr-3204	117	11	than	than	ADP
fsr-3204	117	12	one	one	NUM
fsr-3204	117	13	adviser	adviser	NOUN
fsr-3204	117	14	before	before	ADP
fsr-3204	117	15	making	make	VERB
fsr-3204	117	16	a	a	DET
fsr-3204	117	17	choice	choice	NOUN
fsr-3204	117	18	of	of	ADP
fsr-3204	117	19	who	who	PRON
fsr-3204	117	20	they	they	PRON
fsr-3204	117	21	used	use	VERB
fsr-3204	117	22	(	(	PUNCT
fsr-3204	117	23	%	%	ADV
fsr-3204	117	24	considered	consider	VERB
fsr-3204	117	25	�	�	PROPN
fsr-3204	117	26	1	1	NUM
fsr-3204	117	27	adviser	adviser	NOUN
fsr-3204	117	28	)	)	PUNCT
fsr-3204	117	29	.	.	PUNCT
fsr-3204	118	1	there	there	PRON
fsr-3204	118	2	were	be	VERB
fsr-3204	118	3	10.5	10.5	NUM
fsr-3204	118	4	%	%	NOUN
fsr-3204	118	5	of	of	ADP
fsr-3204	118	6	financial	financial	ADJ
fsr-3204	118	7	adviser	adviser	NOUN
fsr-3204	118	8	users	user	NOUN
fsr-3204	118	9	who	who	PRON
fsr-3204	118	10	did	do	VERB
fsr-3204	118	11	both	both	PRON
fsr-3204	118	12	of	of	ADP
fsr-3204	118	13	these	these	DET
fsr-3204	118	14	pre	pre	ADJ
fsr-3204	118	15	-	-	ADJ
fsr-3204	118	16	selection	selection	ADJ
fsr-3204	118	17	monitoring	monitoring	NOUN
fsr-3204	118	18	activities	activity	NOUN
fsr-3204	118	19	(	(	PUNCT
fsr-3204	118	20	do	do	AUX
fsr-3204	118	21	both	both	PRON
fsr-3204	118	22	)	)	PUNCT
fsr-3204	118	23	.	.	PUNCT
fsr-3204	119	1	we	we	PRON
fsr-3204	119	2	also	also	ADV
fsr-3204	119	3	provide	provide	VERB
fsr-3204	119	4	these	these	DET
fsr-3204	119	5	details	detail	NOUN
fsr-3204	119	6	for	for	ADP
fsr-3204	119	7	each	each	DET
fsr-3204	119	8	category	category	NOUN
fsr-3204	119	9	of	of	ADP
fsr-3204	119	10	financial	financial	ADJ
fsr-3204	119	11	adviser	adviser	NOUN
fsr-3204	119	12	that	that	PRON
fsr-3204	119	13	was	be	AUX
fsr-3204	119	14	used	use	VERB
fsr-3204	119	15	such	such	ADJ
fsr-3204	119	16	as	as	ADP
fsr-3204	119	17	debt	debt	NOUN
fsr-3204	119	18	counseling	counseling	NOUN
fsr-3204	119	19	,	,	PUNCT
fsr-3204	119	20	savings	saving	NOUN
fsr-3204	119	21	and	and	CCONJ
fsr-3204	119	22	investments	investment	NOUN
fsr-3204	119	23	,	,	PUNCT
fsr-3204	119	24	mortgage	mortgage	NOUN
fsr-3204	119	25	or	or	CCONJ
fsr-3204	119	26	loan	loan	NOUN
fsr-3204	119	27	,	,	PUNCT
fsr-3204	119	28	insurance	insurance	NOUN
fsr-3204	119	29	,	,	PUNCT
fsr-3204	119	30	and	and	CCONJ
fsr-3204	119	31	tax	tax	NOUN
fsr-3204	119	32	planning	planning	NOUN
fsr-3204	119	33	.	.	PUNCT
fsr-3204	120	1	higher	high	ADJ
fsr-3204	120	2	percentages	percentage	NOUN
fsr-3204	120	3	of	of	ADP
fsr-3204	120	4	financial	financial	ADJ
fsr-3204	120	5	consumers	consumer	NOUN
fsr-3204	120	6	using	use	VERB
fsr-3204	120	7	debt	debt	NOUN
fsr-3204	120	8	counselors	counselor	NOUN
fsr-3204	120	9	and	and	CCONJ
fsr-3204	120	10	tax	tax	NOUN
fsr-3204	120	11	planning	planning	NOUN
fsr-3204	120	12	services	service	NOUN
fsr-3204	120	13	engage	engage	VERB
fsr-3204	120	14	in	in	ADP
fsr-3204	120	15	pre	pre	ADJ
fsr-3204	120	16	-	-	NOUN
fsr-3204	120	17	selection	selection	ADJ
fsr-3204	120	18	monitoring	monitoring	NOUN
fsr-3204	120	19	than	than	ADP
fsr-3204	120	20	those	those	PRON
fsr-3204	120	21	using	use	VERB
fsr-3204	120	22	other	other	ADJ
fsr-3204	120	23	financial	financial	ADJ
fsr-3204	120	24	adviser	adviser	NOUN
fsr-3204	120	25	types	type	NOUN
fsr-3204	120	26	.	.	PUNCT
fsr-3204	121	1	in	in	ADP
fsr-3204	121	2	table	table	NOUN
fsr-3204	121	3	2	2	NUM
fsr-3204	121	4	we	we	PRON
fsr-3204	121	5	present	present	VERB
fsr-3204	121	6	the	the	DET
fsr-3204	121	7	number	number	NOUN
fsr-3204	121	8	of	of	ADP
fsr-3204	121	9	financial	financial	ADJ
fsr-3204	121	10	adviser	adviser	NOUN
fsr-3204	121	11	users	user	NOUN
fsr-3204	121	12	(	(	PUNCT
fsr-3204	121	13	#	#	NOUN
fsr-3204	121	14	)	)	PUNCT
fsr-3204	121	15	and	and	CCONJ
fsr-3204	121	16	percentages	percentage	NOUN
fsr-3204	121	17	that	that	PRON
fsr-3204	121	18	checked	check	VERB
fsr-3204	121	19	financial	financial	ADJ
fsr-3204	121	20	adviser	adviser	NOUN
fsr-3204	121	21	backgrounds	background	NOUN
fsr-3204	121	22	(	(	PUNCT
fsr-3204	121	23	%	%	INTJ
fsr-3204	121	24	bg	bg	PROPN
fsr-3204	121	25	check	check	PROPN
fsr-3204	121	26	)	)	PUNCT
fsr-3204	121	27	,	,	PUNCT
fsr-3204	121	28	considered	consider	VERB
fsr-3204	121	29	more	more	ADJ
fsr-3204	121	30	than	than	ADP
fsr-3204	121	31	one	one	NUM
fsr-3204	121	32	adviser	adviser	NOUN
fsr-3204	121	33	(	(	PUNCT
fsr-3204	121	34	%	%	NOUN
fsr-3204	121	35	�	�	PROPN
fsr-3204	121	36	1	1	NUM
fsr-3204	121	37	adviser	adviser	NOUN
fsr-3204	121	38	)	)	PUNCT
fsr-3204	121	39	,	,	PUNCT
fsr-3204	121	40	and	and	CCONJ
fsr-3204	121	41	that	that	PRON
fsr-3204	121	42	did	do	AUX
fsr-3204	121	43	both	both	PRON
fsr-3204	121	44	(	(	PUNCT
fsr-3204	121	45	do	do	VERB
fsr-3204	121	46	both	both	PRON
fsr-3204	121	47	)	)	PUNCT
fsr-3204	121	48	in	in	ADP
fsr-3204	121	49	each	each	DET
fsr-3204	121	50	demographic	demographic	ADJ
fsr-3204	121	51	characteristic	characteristic	NOUN
fsr-3204	121	52	.	.	PUNCT
fsr-3204	122	1	the	the	DET
fsr-3204	122	2	demographic	demographic	ADJ
fsr-3204	122	3	characteristics	characteristic	NOUN
fsr-3204	122	4	considered	consider	VERB
fsr-3204	122	5	include	include	VERB
fsr-3204	122	6	gender	gender	NOUN
fsr-3204	122	7	,	,	PUNCT
fsr-3204	122	8	age	age	NOUN
fsr-3204	122	9	,	,	PUNCT
fsr-3204	122	10	ethnicity	ethnicity	NOUN
fsr-3204	122	11	,	,	PUNCT
fsr-3204	122	12	education	education	NOUN
fsr-3204	122	13	,	,	PUNCT
fsr-3204	122	14	marital	marital	ADJ
fsr-3204	122	15	status	status	NOUN
fsr-3204	122	16	,	,	PUNCT
fsr-3204	122	17	income	income	NOUN
fsr-3204	122	18	,	,	PUNCT
fsr-3204	122	19	employment	employment	NOUN
fsr-3204	122	20	,	,	PUNCT
fsr-3204	122	21	and	and	CCONJ
fsr-3204	122	22	region	region	NOUN
fsr-3204	122	23	.	.	PUNCT
fsr-3204	123	1	out	out	ADP
fsr-3204	123	2	of	of	ADP
fsr-3204	123	3	8,115	8,115	NUM
fsr-3204	123	4	(	(	PUNCT
fsr-3204	123	5	7,073	7,073	NUM
fsr-3204	123	6	)	)	PUNCT
fsr-3204	123	7	females	female	NOUN
fsr-3204	123	8	(	(	PUNCT
fsr-3204	123	9	males	male	NOUN
fsr-3204	123	10	)	)	PUNCT
fsr-3204	123	11	who	who	PRON
fsr-3204	123	12	have	have	VERB
fsr-3204	123	13	311b	311b	PROPN
fsr-3204	123	14	.	.	PUNCT
fsr-3204	124	1	balasubramnian	balasubramnian	PROPN
fsr-3204	124	2	et	et	PROPN
fsr-3204	124	3	al	al	PROPN
fsr-3204	124	4	.	.	PUNCT
fsr-3204	124	5	/	/	SYM
fsr-3204	124	6	financial	financial	ADJ
fsr-3204	124	7	services	service	NOUN
fsr-3204	124	8	review	review	VERB
fsr-3204	124	9	23	23	NUM
fsr-3204	124	10	(	(	PUNCT
fsr-3204	124	11	2014	2014	NUM
fsr-3204	124	12	)	)	PUNCT
fsr-3204	125	1	305–324	305–324	NUM
fsr-3204	125	2	used	use	VERB
fsr-3204	125	3	a	a	DET
fsr-3204	125	4	financial	financial	ADJ
fsr-3204	125	5	adviser	adviser	NOUN
fsr-3204	125	6	,	,	PUNCT
fsr-3204	125	7	12.7	12.7	NUM
fsr-3204	125	8	%	%	NOUN
fsr-3204	125	9	(	(	PUNCT
fsr-3204	125	10	15.9	15.9	NUM
fsr-3204	125	11	%	%	NOUN
fsr-3204	125	12	)	)	PUNCT
fsr-3204	125	13	conducted	conduct	VERB
fsr-3204	125	14	background	background	NOUN
fsr-3204	125	15	checks	check	NOUN
fsr-3204	125	16	,	,	PUNCT
fsr-3204	125	17	42.9	42.9	NUM
fsr-3204	125	18	%	%	NOUN
fsr-3204	125	19	(	(	PUNCT
fsr-3204	125	20	49.5	49.5	NUM
fsr-3204	125	21	%	%	NOUN
fsr-3204	125	22	)	)	PUNCT
fsr-3204	125	23	considered	consider	VERB
fsr-3204	125	24	more	more	ADJ
fsr-3204	125	25	than	than	ADP
fsr-3204	125	26	one	one	NUM
fsr-3204	125	27	adviser	adviser	NOUN
fsr-3204	125	28	,	,	PUNCT
fsr-3204	125	29	and	and	CCONJ
fsr-3204	125	30	9	9	NUM
fsr-3204	125	31	%	%	NOUN
fsr-3204	125	32	(	(	PUNCT
fsr-3204	125	33	12.3	12.3	NUM
fsr-3204	125	34	%	%	NOUN
fsr-3204	125	35	)	)	PUNCT
fsr-3204	125	36	did	do	VERB
fsr-3204	125	37	both	both	PRON
fsr-3204	125	38	,	,	PUNCT
fsr-3204	125	39	indicating	indicate	VERB
fsr-3204	125	40	that	that	SCONJ
fsr-3204	125	41	males	male	NOUN
fsr-3204	125	42	engage	engage	VERB
fsr-3204	125	43	in	in	ADP
fsr-3204	125	44	more	more	ADJ
fsr-3204	125	45	pre	pre	ADJ
fsr-3204	125	46	-	-	NOUN
fsr-3204	125	47	selection	selection	NOUN
fsr-3204	125	48	monitoring	monitoring	NOUN
fsr-3204	125	49	when	when	SCONJ
fsr-3204	125	50	choosing	choose	VERB
fsr-3204	125	51	a	a	DET
fsr-3204	125	52	financial	financial	ADJ
fsr-3204	125	53	adviser	adviser	NOUN
fsr-3204	125	54	compared	compare	VERB
fsr-3204	125	55	with	with	ADP
fsr-3204	125	56	females	female	NOUN
fsr-3204	125	57	.	.	PUNCT
fsr-3204	126	1	fewer	few	ADJ
fsr-3204	126	2	financial	financial	ADJ
fsr-3204	126	3	adviser	adviser	NOUN
fsr-3204	126	4	users	user	NOUN
fsr-3204	126	5	in	in	ADP
fsr-3204	126	6	both	both	CCONJ
fsr-3204	126	7	the	the	DET
fsr-3204	126	8	youngest	young	ADJ
fsr-3204	126	9	(	(	PUNCT
fsr-3204	126	10	18–24	18–24	NUM
fsr-3204	126	11	)	)	PUNCT
fsr-3204	126	12	and	and	CCONJ
fsr-3204	126	13	oldest	old	ADJ
fsr-3204	126	14	(	(	PUNCT
fsr-3204	126	15	65	65	NUM
fsr-3204	126	16	�	�	NOUN
fsr-3204	126	17	)	)	PUNCT
fsr-3204	126	18	age	age	NOUN
fsr-3204	126	19	groups	group	NOUN
fsr-3204	126	20	engage	engage	VERB
fsr-3204	126	21	in	in	ADP
fsr-3204	126	22	the	the	DET
fsr-3204	126	23	pre	pre	ADJ
fsr-3204	126	24	-	-	NOUN
fsr-3204	126	25	selection	selection	ADJ
fsr-3204	126	26	monitoring	monitoring	NOUN
fsr-3204	126	27	,	,	PUNCT
fsr-3204	126	28	while	while	SCONJ
fsr-3204	126	29	financial	financial	ADJ
fsr-3204	126	30	consumers	consumer	NOUN
fsr-3204	126	31	between	between	ADP
fsr-3204	126	32	35	35	NUM
fsr-3204	126	33	and	and	CCONJ
fsr-3204	126	34	54	54	NUM
fsr-3204	126	35	engage	engage	NOUN
fsr-3204	126	36	in	in	ADP
fsr-3204	126	37	the	the	DET
fsr-3204	126	38	most	most	ADJ
fsr-3204	126	39	pre	pre	ADJ
fsr-3204	126	40	-	-	NOUN
fsr-3204	126	41	selection	selection	NOUN
fsr-3204	126	42	monitoring	monitoring	NOUN
fsr-3204	126	43	when	when	SCONJ
fsr-3204	126	44	choosing	choose	VERB
fsr-3204	126	45	a	a	DET
fsr-3204	126	46	financial	financial	ADJ
fsr-3204	126	47	adviser	adviser	NOUN
fsr-3204	126	48	.	.	PUNCT
fsr-3204	127	1	even	even	ADV
fsr-3204	127	2	though	though	SCONJ
fsr-3204	127	3	there	there	PRON
fsr-3204	127	4	are	be	VERB
fsr-3204	127	5	fewer	few	ADJ
fsr-3204	127	6	blacks	black	NOUN
fsr-3204	127	7	(	(	PUNCT
fsr-3204	127	8	3,477	3,477	NUM
fsr-3204	127	9	)	)	PUNCT
fsr-3204	127	10	than	than	ADP
fsr-3204	127	11	whites	white	NOUN
fsr-3204	127	12	(	(	PUNCT
fsr-3204	127	13	11,711	11,711	NUM
fsr-3204	127	14	)	)	PUNCT
fsr-3204	127	15	using	use	VERB
fsr-3204	127	16	financial	financial	ADJ
fsr-3204	127	17	advisers	adviser	NOUN
fsr-3204	127	18	,	,	PUNCT
fsr-3204	127	19	a	a	DET
fsr-3204	127	20	much	much	ADV
fsr-3204	127	21	higher	high	ADJ
fsr-3204	127	22	percentages	percentage	NOUN
fsr-3204	127	23	of	of	ADP
fsr-3204	127	24	blacks	black	NOUN
fsr-3204	127	25	(	(	PUNCT
fsr-3204	127	26	18.2	18.2	NUM
fsr-3204	127	27	%	%	NOUN
fsr-3204	127	28	)	)	PUNCT
fsr-3204	127	29	conduct	conduct	VERB
fsr-3204	127	30	pre	pre	ADJ
fsr-3204	127	31	-	-	NOUN
fsr-3204	127	32	selection	selection	ADJ
fsr-3204	127	33	monitoring	monitoring	NOUN
fsr-3204	127	34	compared	compare	VERB
fsr-3204	127	35	with	with	ADP
fsr-3204	127	36	whites	white	NOUN
fsr-3204	127	37	(	(	PUNCT
fsr-3204	127	38	13	13	NUM
fsr-3204	127	39	%	%	NOUN
fsr-3204	127	40	)	)	PUNCT
fsr-3204	127	41	.	.	PUNCT
fsr-3204	128	1	there	there	PRON
fsr-3204	128	2	is	be	VERB
fsr-3204	128	3	a	a	DET
fsr-3204	128	4	monotonically	monotonically	ADV
fsr-3204	128	5	increasing	increase	VERB
fsr-3204	128	6	percentage	percentage	NOUN
fsr-3204	128	7	of	of	ADP
fsr-3204	128	8	financial	financial	ADJ
fsr-3204	128	9	consumers	consumer	NOUN
fsr-3204	128	10	engaging	engage	VERB
fsr-3204	128	11	in	in	ADP
fsr-3204	128	12	pre	pre	ADJ
fsr-3204	128	13	-	-	NOUN
fsr-3204	128	14	selection	selection	NOUN
fsr-3204	128	15	monitoring	monitoring	NOUN
fsr-3204	128	16	across	across	ADP
fsr-3204	128	17	higher	high	ADJ
fsr-3204	128	18	levels	level	NOUN
fsr-3204	128	19	of	of	ADP
fsr-3204	128	20	both	both	CCONJ
fsr-3204	128	21	education	education	NOUN
fsr-3204	128	22	and	and	CCONJ
fsr-3204	128	23	income	income	NOUN
fsr-3204	128	24	.	.	PUNCT
fsr-3204	129	1	there	there	PRON
fsr-3204	129	2	is	be	VERB
fsr-3204	129	3	a	a	DET
fsr-3204	129	4	larger	large	ADJ
fsr-3204	129	5	number	number	NOUN
fsr-3204	129	6	of	of	ADP
fsr-3204	129	7	married	married	ADJ
fsr-3204	129	8	financial	financial	ADJ
fsr-3204	129	9	adviser	adviser	NOUN
fsr-3204	129	10	users	user	NOUN
fsr-3204	129	11	(	(	PUNCT
fsr-3204	129	12	9,542	9,542	NUM
fsr-3204	129	13	)	)	PUNCT
fsr-3204	129	14	compared	compare	VERB
fsr-3204	129	15	with	with	ADP
fsr-3204	129	16	single	single	ADJ
fsr-3204	129	17	users	user	NOUN
fsr-3204	129	18	(	(	PUNCT
fsr-3204	129	19	3,092	3,092	NUM
fsr-3204	129	20	)	)	PUNCT
fsr-3204	129	21	,	,	PUNCT
fsr-3204	129	22	but	but	CCONJ
fsr-3204	129	23	there	there	PRON
fsr-3204	129	24	is	be	VERB
fsr-3204	129	25	a	a	DET
fsr-3204	129	26	larger	large	ADJ
fsr-3204	129	27	percentage	percentage	NOUN
fsr-3204	129	28	of	of	ADP
fsr-3204	129	29	single	single	ADJ
fsr-3204	129	30	users	user	NOUN
fsr-3204	129	31	(	(	PUNCT
fsr-3204	129	32	15.2	15.2	NUM
fsr-3204	129	33	%	%	NOUN
fsr-3204	129	34	)	)	PUNCT
fsr-3204	129	35	conducting	conduct	VERB
fsr-3204	129	36	pre	pre	ADJ
fsr-3204	129	37	-	-	NOUN
fsr-3204	129	38	selection	selection	ADJ
fsr-3204	129	39	monitoring	monitoring	NOUN
fsr-3204	129	40	.	.	PUNCT
fsr-3204	130	1	there	there	PRON
fsr-3204	130	2	are	be	VERB
fsr-3204	130	3	a	a	DET
fsr-3204	130	4	larger	large	ADJ
fsr-3204	130	5	number	number	NOUN
fsr-3204	130	6	of	of	ADP
fsr-3204	130	7	financial	financial	ADJ
fsr-3204	130	8	adviser	adviser	NOUN
fsr-3204	130	9	users	user	NOUN
fsr-3204	130	10	who	who	PRON
fsr-3204	130	11	have	have	VERB
fsr-3204	130	12	full	full	ADJ
fsr-3204	130	13	-	-	PUNCT
fsr-3204	130	14	time	time	NOUN
fsr-3204	130	15	employment	employment	NOUN
fsr-3204	130	16	,	,	PUNCT
fsr-3204	130	17	but	but	CCONJ
fsr-3204	130	18	a	a	DET
fsr-3204	130	19	much	much	ADV
fsr-3204	130	20	higher	high	ADJ
fsr-3204	130	21	percentage	percentage	NOUN
fsr-3204	130	22	of	of	ADP
fsr-3204	130	23	users	user	NOUN
fsr-3204	130	24	who	who	PRON
fsr-3204	130	25	are	be	AUX
fsr-3204	130	26	self	self	NOUN
fsr-3204	130	27	-	-	PUNCT
fsr-3204	130	28	employed	employ	VERB
fsr-3204	130	29	engage	engage	NOUN
fsr-3204	130	30	in	in	ADP
fsr-3204	130	31	pre	pre	ADJ
fsr-3204	130	32	-	-	ADJ
fsr-3204	130	33	selection	selection	ADJ
fsr-3204	130	34	monitoring	monitoring	NOUN
fsr-3204	130	35	(	(	PUNCT
fsr-3204	130	36	19.9	19.9	NUM
fsr-3204	130	37	%	%	NOUN
fsr-3204	130	38	)	)	PUNCT
fsr-3204	130	39	.	.	PUNCT
fsr-3204	131	1	results	result	NOUN
fsr-3204	131	2	are	be	AUX
fsr-3204	131	3	mixed	mix	VERB
fsr-3204	131	4	across	across	ADP
fsr-3204	131	5	the	the	DET
fsr-3204	131	6	geographical	geographical	ADJ
fsr-3204	131	7	regions	region	NOUN
fsr-3204	131	8	with	with	ADP
fsr-3204	131	9	a	a	DET
fsr-3204	131	10	higher	high	ADJ
fsr-3204	131	11	percentage	percentage	NOUN
fsr-3204	131	12	of	of	ADP
fsr-3204	131	13	financial	financial	ADJ
fsr-3204	131	14	adviser	adviser	NOUN
fsr-3204	131	15	users	user	NOUN
fsr-3204	131	16	in	in	ADP
fsr-3204	131	17	the	the	DET
fsr-3204	131	18	northeast	northeast	NOUN
fsr-3204	131	19	who	who	PRON
fsr-3204	131	20	check	check	VERB
fsr-3204	131	21	backgrounds	background	NOUN
fsr-3204	131	22	(	(	PUNCT
fsr-3204	131	23	16.7	16.7	NUM
fsr-3204	131	24	%	%	NOUN
fsr-3204	131	25	)	)	PUNCT
fsr-3204	131	26	,	,	PUNCT
fsr-3204	131	27	a	a	DET
fsr-3204	131	28	higher	high	ADJ
fsr-3204	131	29	percentage	percentage	NOUN
fsr-3204	131	30	in	in	ADP
fsr-3204	131	31	the	the	DET
fsr-3204	131	32	south	south	NOUN
fsr-3204	131	33	(	(	PUNCT
fsr-3204	131	34	47.6	47.6	NUM
fsr-3204	131	35	%	%	NOUN
fsr-3204	131	36	)	)	PUNCT
fsr-3204	131	37	and	and	CCONJ
fsr-3204	131	38	west	west	NOUN
fsr-3204	131	39	(	(	PUNCT
fsr-3204	131	40	48.1	48.1	NUM
fsr-3204	131	41	%	%	NOUN
fsr-3204	131	42	)	)	PUNCT
fsr-3204	131	43	who	who	PRON
fsr-3204	131	44	consider	consider	VERB
fsr-3204	131	45	more	more	ADJ
fsr-3204	131	46	than	than	ADP
fsr-3204	131	47	one	one	NUM
fsr-3204	131	48	adviser	adviser	NOUN
fsr-3204	131	49	,	,	PUNCT
fsr-3204	131	50	and	and	CCONJ
fsr-3204	131	51	the	the	DET
fsr-3204	131	52	highest	high	ADJ
fsr-3204	131	53	percentage	percentage	NOUN
fsr-3204	131	54	in	in	ADP
fsr-3204	131	55	the	the	DET
fsr-3204	131	56	northeast	northeast	NOUN
fsr-3204	131	57	who	who	PRON
fsr-3204	131	58	do	do	VERB
fsr-3204	131	59	both	both	PRON
fsr-3204	131	60	(	(	PUNCT
fsr-3204	131	61	12.7	12.7	NUM
fsr-3204	131	62	%	%	NOUN
fsr-3204	131	63	)	)	PUNCT
fsr-3204	131	64	.	.	PUNCT
fsr-3204	132	1	we	we	PRON
fsr-3204	132	2	present	present	VERB
fsr-3204	132	3	the	the	DET
fsr-3204	132	4	same	same	ADJ
fsr-3204	132	5	information	information	NOUN
fsr-3204	132	6	for	for	ADP
fsr-3204	132	7	each	each	DET
fsr-3204	132	8	demographic	demographic	ADJ
fsr-3204	132	9	characteristic	characteristic	NOUN
fsr-3204	132	10	for	for	ADP
fsr-3204	132	11	each	each	DET
fsr-3204	132	12	financial	financial	ADJ
fsr-3204	132	13	adviser	adviser	NOUN
fsr-3204	132	14	type	type	NOUN
fsr-3204	132	15	in	in	ADP
fsr-3204	132	16	table	table	NOUN
fsr-3204	132	17	3	3	NUM
fsr-3204	132	18	.	.	PUNCT
fsr-3204	133	1	the	the	DET
fsr-3204	133	2	results	result	NOUN
fsr-3204	133	3	are	be	AUX
fsr-3204	133	4	generally	generally	ADV
fsr-3204	133	5	consistent	consistent	ADJ
fsr-3204	133	6	across	across	ADP
fsr-3204	133	7	the	the	DET
fsr-3204	133	8	different	different	ADJ
fsr-3204	133	9	financial	financial	ADJ
fsr-3204	133	10	adviser	adviser	NOUN
fsr-3204	133	11	types	type	NOUN
fsr-3204	133	12	when	when	SCONJ
fsr-3204	133	13	considering	consider	VERB
fsr-3204	133	14	gender	gender	NOUN
fsr-3204	133	15	,	,	PUNCT
fsr-3204	133	16	ethnicity	ethnicity	NOUN
fsr-3204	133	17	,	,	PUNCT
fsr-3204	133	18	education	education	NOUN
fsr-3204	133	19	,	,	PUNCT
fsr-3204	133	20	marital	marital	ADJ
fsr-3204	133	21	status	status	NOUN
fsr-3204	133	22	,	,	PUNCT
fsr-3204	133	23	income	income	NOUN
fsr-3204	133	24	,	,	PUNCT
fsr-3204	133	25	table	table	NOUN
fsr-3204	133	26	1	1	NUM
fsr-3204	133	27	panel	panel	NOUN
fsr-3204	133	28	a	a	PRON
fsr-3204	133	29	:	:	PUNCT
fsr-3204	133	30	presents	present	VERB
fsr-3204	133	31	the	the	DET
fsr-3204	133	32	analysis	analysis	NOUN
fsr-3204	133	33	of	of	ADP
fsr-3204	133	34	the	the	DET
fsr-3204	133	35	15,188	15,188	NUM
fsr-3204	133	36	survey	survey	NOUN
fsr-3204	133	37	respondents	respondent	NOUN
fsr-3204	133	38	who	who	PRON
fsr-3204	133	39	have	have	AUX
fsr-3204	133	40	used	use	VERB
fsr-3204	133	41	a	a	DET
fsr-3204	133	42	financial	financial	ADJ
fsr-3204	133	43	adviser	adviser	NOUN
fsr-3204	133	44	in	in	ADP
fsr-3204	133	45	the	the	DET
fsr-3204	133	46	last	last	ADJ
fsr-3204	133	47	five	five	NUM
fsr-3204	133	48	years	year	NOUN
fsr-3204	133	49	panel	panel	NOUN
fsr-3204	134	1	a	a	DET
fsr-3204	134	2	yes	yes	INTJ
fsr-3204	134	3	no	no	INTJ
fsr-3204	134	4	have	have	AUX
fsr-3204	134	5	you	you	PRON
fsr-3204	134	6	ever	ever	ADV
fsr-3204	134	7	checked	check	VERB
fsr-3204	134	8	with	with	ADP
fsr-3204	134	9	state	state	NOUN
fsr-3204	134	10	or	or	CCONJ
fsr-3204	134	11	federal	federal	ADJ
fsr-3204	134	12	regulators	regulator	NOUN
fsr-3204	134	13	regarding	regard	VERB
fsr-3204	134	14	the	the	DET
fsr-3204	134	15	background	background	NOUN
fsr-3204	134	16	,	,	PUNCT
fsr-3204	134	17	registration	registration	NOUN
fsr-3204	134	18	,	,	PUNCT
fsr-3204	134	19	or	or	CCONJ
fsr-3204	134	20	license	license	NOUN
fsr-3204	134	21	of	of	ADP
fsr-3204	134	22	a	a	DET
fsr-3204	134	23	financial	financial	ADJ
fsr-3204	134	24	professional	professional	NOUN
fsr-3204	134	25	?	?	PUNCT
fsr-3204	135	1	14.2	14.2	NUM
fsr-3204	135	2	%	%	NOUN
fsr-3204	135	3	84.3	84.3	NUM
fsr-3204	135	4	%	%	NOUN
fsr-3204	135	5	did	do	AUX
fsr-3204	135	6	you	you	PRON
fsr-3204	135	7	meet	meet	VERB
fsr-3204	135	8	with	with	ADP
fsr-3204	135	9	or	or	CCONJ
fsr-3204	135	10	talk	talk	VERB
fsr-3204	135	11	to	to	ADP
fsr-3204	135	12	more	more	ADJ
fsr-3204	135	13	than	than	ADP
fsr-3204	135	14	one	one	NUM
fsr-3204	135	15	adviser	adviser	NOUN
fsr-3204	135	16	before	before	ADP
fsr-3204	135	17	making	make	VERB
fsr-3204	135	18	a	a	DET
fsr-3204	135	19	choice	choice	NOUN
fsr-3204	135	20	?	?	PUNCT
fsr-3204	136	1	45.9	45.9	NUM
fsr-3204	136	2	%	%	NOUN
fsr-3204	136	3	45.7	45.7	NUM
fsr-3204	136	4	%	%	NOUN
fsr-3204	136	5	panel	panel	NOUN
fsr-3204	136	6	b	b	NOUN
fsr-3204	136	7	:	:	PUNCT
fsr-3204	136	8	presents	present	VERB
fsr-3204	136	9	the	the	DET
fsr-3204	136	10	results	result	NOUN
fsr-3204	136	11	for	for	ADP
fsr-3204	136	12	each	each	PRON
fsr-3204	136	13	of	of	ADP
fsr-3204	136	14	these	these	DET
fsr-3204	136	15	adviser	adviser	NOUN
fsr-3204	136	16	types	type	NOUN
fsr-3204	136	17	separately	separately	ADV
fsr-3204	136	18	and	and	CCONJ
fsr-3204	136	19	whether	whether	SCONJ
fsr-3204	136	20	the	the	DET
fsr-3204	136	21	respondents	respondent	NOUN
fsr-3204	136	22	verified	verify	VERB
fsr-3204	136	23	the	the	DET
fsr-3204	136	24	background	background	NOUN
fsr-3204	136	25	and	and	CCONJ
fsr-3204	136	26	considered	consider	VERB
fsr-3204	136	27	more	more	ADJ
fsr-3204	136	28	than	than	ADP
fsr-3204	136	29	one	one	NUM
fsr-3204	136	30	adviser	adviser	NOUN
fsr-3204	136	31	(	(	PUNCT
fsr-3204	136	32	do	do	AUX
fsr-3204	136	33	both	both	PRON
fsr-3204	136	34	)	)	PUNCT
fsr-3204	136	35	panel	panel	NOUN
fsr-3204	136	36	b	b	PROPN
fsr-3204	136	37	variable	variable	ADJ
fsr-3204	136	38	#	#	NOUN
fsr-3204	136	39	%	%	NOUN
fsr-3204	136	40	checked	check	VERB
fsr-3204	136	41	background	background	NOUN
fsr-3204	136	42	%	%	NOUN
fsr-3204	136	43	considered	consider	VERB
fsr-3204	136	44	�	�	NOUN
fsr-3204	136	45	1	1	NUM
fsr-3204	136	46	adviser	adviser	NOUN
fsr-3204	136	47	do	do	VERB
fsr-3204	136	48	both	both	DET
fsr-3204	136	49	fa	fa	PROPN
fsr-3204	136	50	user	user	NOUN
fsr-3204	136	51	15,188	15,188	NUM
fsr-3204	136	52	14.2	14.2	NUM
fsr-3204	136	53	%	%	NOUN
fsr-3204	136	54	45.9	45.9	NUM
fsr-3204	136	55	%	%	NOUN
fsr-3204	136	56	10.5	10.5	NUM
fsr-3204	136	57	%	%	NOUN
fsr-3204	136	58	debt	debt	NOUN
fsr-3204	136	59	counselor	counselor	NOUN
fsr-3204	136	60	2,720	2,720	NUM
fsr-3204	136	61	20.4	20.4	NUM
fsr-3204	136	62	%	%	NOUN
fsr-3204	136	63	54.0	54.0	NUM
fsr-3204	136	64	%	%	NOUN
fsr-3204	136	65	16.3	16.3	NUM
fsr-3204	136	66	%	%	NOUN
fsr-3204	136	67	savings	saving	NOUN
fsr-3204	136	68	or	or	CCONJ
fsr-3204	136	69	investments	investment	NOUN
fsr-3204	136	70	8,647	8,647	NUM
fsr-3204	136	71	17.5	17.5	NUM
fsr-3204	136	72	%	%	NOUN
fsr-3204	136	73	49.8	49.8	NUM
fsr-3204	136	74	%	%	NOUN
fsr-3204	136	75	13.1	13.1	NUM
fsr-3204	136	76	%	%	NOUN
fsr-3204	136	77	mortgage	mortgage	NOUN
fsr-3204	136	78	or	or	CCONJ
fsr-3204	136	79	loan	loan	VERB
fsr-3204	136	80	7,294	7,294	NUM
fsr-3204	136	81	15.2	15.2	NUM
fsr-3204	136	82	%	%	NOUN
fsr-3204	136	83	49.0	49.0	NUM
fsr-3204	136	84	%	%	NOUN
fsr-3204	136	85	11.4	11.4	NUM
fsr-3204	136	86	%	%	NOUN
fsr-3204	136	87	insurance	insurance	NOUN
fsr-3204	136	88	9,291	9,291	NUM
fsr-3204	136	89	16.6	16.6	NUM
fsr-3204	136	90	%	%	NOUN
fsr-3204	136	91	50.3	50.3	NUM
fsr-3204	136	92	%	%	NOUN
fsr-3204	136	93	12.6	12.6	NUM
fsr-3204	136	94	%	%	NOUN
fsr-3204	136	95	tax	tax	NOUN
fsr-3204	136	96	planning	planning	NOUN
fsr-3204	136	97	5,060	5,060	NUM
fsr-3204	136	98	21.0	21.0	NUM
fsr-3204	136	99	%	%	NOUN
fsr-3204	136	100	52.7	52.7	NUM
fsr-3204	136	101	%	%	NOUN
fsr-3204	136	102	16.0	16.0	NUM
fsr-3204	136	103	%	%	NOUN
fsr-3204	136	104	we	we	PRON
fsr-3204	136	105	report	report	VERB
fsr-3204	136	106	the	the	DET
fsr-3204	136	107	percentage	percentage	NOUN
fsr-3204	136	108	of	of	ADP
fsr-3204	136	109	survey	survey	NOUN
fsr-3204	136	110	respondents	respondent	NOUN
fsr-3204	136	111	that	that	PRON
fsr-3204	136	112	answered	answer	VERB
fsr-3204	136	113	yes	yes	INTJ
fsr-3204	136	114	or	or	CCONJ
fsr-3204	136	115	no	no	INTJ
fsr-3204	136	116	to	to	ADP
fsr-3204	136	117	the	the	DET
fsr-3204	136	118	specified	specify	VERB
fsr-3204	136	119	question	question	NOUN
fsr-3204	136	120	.	.	PUNCT
fsr-3204	137	1	fa	fa	PROPN
fsr-3204	137	2	user	user	NOUN
fsr-3204	137	3	indicates	indicate	VERB
fsr-3204	137	4	the	the	DET
fsr-3204	137	5	survey	survey	NOUN
fsr-3204	137	6	respondent	respondent	NOUN
fsr-3204	137	7	used	use	VERB
fsr-3204	137	8	at	at	ADP
fsr-3204	137	9	least	least	ADV
fsr-3204	137	10	one	one	NUM
fsr-3204	137	11	or	or	CCONJ
fsr-3204	137	12	more	more	ADJ
fsr-3204	137	13	of	of	ADP
fsr-3204	137	14	the	the	DET
fsr-3204	137	15	five	five	NUM
fsr-3204	137	16	different	different	ADJ
fsr-3204	137	17	financial	financial	ADJ
fsr-3204	137	18	adviser	adviser	NOUN
fsr-3204	137	19	types	type	NOUN
fsr-3204	137	20	to	to	PART
fsr-3204	137	21	include	include	VERB
fsr-3204	137	22	debt	debt	NOUN
fsr-3204	137	23	counselor	counselor	NOUN
fsr-3204	137	24	,	,	PUNCT
fsr-3204	137	25	savings	saving	NOUN
fsr-3204	137	26	or	or	CCONJ
fsr-3204	137	27	investments	investment	NOUN
fsr-3204	137	28	,	,	PUNCT
fsr-3204	137	29	mortgage	mortgage	NOUN
fsr-3204	137	30	or	or	CCONJ
fsr-3204	137	31	loan	loan	NOUN
fsr-3204	137	32	,	,	PUNCT
fsr-3204	137	33	insurance	insurance	NOUN
fsr-3204	137	34	,	,	PUNCT
fsr-3204	137	35	and	and	CCONJ
fsr-3204	137	36	tax	tax	NOUN
fsr-3204	137	37	planning	planning	NOUN
fsr-3204	137	38	.	.	PUNCT
fsr-3204	138	1	in	in	ADP
fsr-3204	138	2	panel	panel	NOUN
fsr-3204	138	3	a	a	X
fsr-3204	138	4	,	,	PUNCT
fsr-3204	138	5	we	we	PRON
fsr-3204	138	6	present	present	VERB
fsr-3204	138	7	the	the	DET
fsr-3204	138	8	percentage	percentage	NOUN
fsr-3204	138	9	of	of	ADP
fsr-3204	138	10	respondents	respondent	NOUN
fsr-3204	138	11	who	who	PRON
fsr-3204	138	12	used	use	VERB
fsr-3204	138	13	financial	financial	ADJ
fsr-3204	138	14	adviser	adviser	NOUN
fsr-3204	138	15	and	and	CCONJ
fsr-3204	138	16	checked	check	VERB
fsr-3204	138	17	the	the	DET
fsr-3204	138	18	background	background	NOUN
fsr-3204	138	19	of	of	ADP
fsr-3204	138	20	their	their	PRON
fsr-3204	138	21	adviser	adviser	NOUN
fsr-3204	138	22	(	(	PUNCT
fsr-3204	138	23	%	%	INTJ
fsr-3204	138	24	checked	check	VERB
fsr-3204	138	25	background	background	NOUN
fsr-3204	138	26	)	)	PUNCT
fsr-3204	138	27	or	or	CCONJ
fsr-3204	138	28	considered	consider	VERB
fsr-3204	138	29	more	more	ADJ
fsr-3204	138	30	than	than	ADP
fsr-3204	138	31	one	one	NUM
fsr-3204	138	32	adviser	adviser	NOUN
fsr-3204	138	33	(	(	PUNCT
fsr-3204	138	34	%	%	INTJ
fsr-3204	138	35	considered	consider	VERB
fsr-3204	138	36	�	�	PROPN
fsr-3204	138	37	1	1	NUM
fsr-3204	138	38	adviser	adviser	NOUN
fsr-3204	138	39	)	)	PUNCT
fsr-3204	138	40	.	.	PUNCT
fsr-3204	139	1	312	312	NUM
fsr-3204	139	2	b.	b.	PROPN
fsr-3204	139	3	balasubramnian	balasubramnian	PROPN
fsr-3204	139	4	et	et	PROPN
fsr-3204	139	5	al	al	PROPN
fsr-3204	139	6	.	.	PUNCT
fsr-3204	139	7	/	/	SYM
fsr-3204	139	8	financial	financial	ADJ
fsr-3204	139	9	services	service	NOUN
fsr-3204	139	10	review	review	VERB
fsr-3204	139	11	23	23	NUM
fsr-3204	139	12	(	(	PUNCT
fsr-3204	139	13	2014	2014	NUM
fsr-3204	139	14	)	)	PUNCT
fsr-3204	139	15	305–324	305–324	NUM
fsr-3204	139	16	table	table	NOUN
fsr-3204	139	17	2	2	NUM
fsr-3204	139	18	percent	percent	NOUN
fsr-3204	139	19	of	of	ADP
fsr-3204	139	20	the	the	DET
fsr-3204	139	21	15,188	15,188	NUM
fsr-3204	139	22	survey	survey	NOUN
fsr-3204	139	23	respondents	respondent	NOUN
fsr-3204	139	24	that	that	PRON
fsr-3204	139	25	used	use	VERB
fsr-3204	139	26	at	at	ADP
fsr-3204	139	27	least	least	ADJ
fsr-3204	139	28	one	one	NUM
fsr-3204	139	29	of	of	ADP
fsr-3204	139	30	the	the	DET
fsr-3204	139	31	five	five	NUM
fsr-3204	139	32	types	type	NOUN
fsr-3204	139	33	of	of	ADP
fsr-3204	139	34	financial	financial	ADJ
fsr-3204	139	35	advisers	adviser	NOUN
fsr-3204	139	36	(	(	PUNCT
fsr-3204	139	37	fa	fa	NOUN
fsr-3204	139	38	user	user	NOUN
fsr-3204	139	39	)	)	PUNCT
fsr-3204	139	40	in	in	ADP
fsr-3204	139	41	the	the	DET
fsr-3204	139	42	last	last	ADJ
fsr-3204	139	43	five	five	NUM
fsr-3204	139	44	years	year	NOUN
fsr-3204	139	45	and	and	CCONJ
fsr-3204	139	46	claimed	claim	VERB
fsr-3204	139	47	to	to	PART
fsr-3204	139	48	have	have	AUX
fsr-3204	139	49	checked	check	VERB
fsr-3204	139	50	the	the	DET
fsr-3204	139	51	background	background	NOUN
fsr-3204	139	52	of	of	ADP
fsr-3204	139	53	their	their	PRON
fsr-3204	139	54	adviser	adviser	NOUN
fsr-3204	139	55	(	(	PUNCT
fsr-3204	139	56	%	%	INTJ
fsr-3204	139	57	bg	bg	PROPN
fsr-3204	139	58	check	check	PROPN
fsr-3204	139	59	)	)	PUNCT
fsr-3204	139	60	,	,	PUNCT
fsr-3204	139	61	considered	consider	VERB
fsr-3204	139	62	more	more	ADJ
fsr-3204	139	63	than	than	ADP
fsr-3204	139	64	one	one	NUM
fsr-3204	139	65	adviser	adviser	NOUN
fsr-3204	139	66	(	(	PUNCT
fsr-3204	139	67	%	%	NOUN
fsr-3204	139	68	�	�	PROPN
fsr-3204	139	69	1	1	NUM
fsr-3204	139	70	adviser	adviser	NOUN
fsr-3204	139	71	)	)	PUNCT
fsr-3204	139	72	,	,	PUNCT
fsr-3204	139	73	and	and	CCONJ
fsr-3204	139	74	did	do	AUX
fsr-3204	139	75	both	both	PRON
fsr-3204	139	76	(	(	PUNCT
fsr-3204	139	77	do	do	AUX
fsr-3204	139	78	both	both	PRON
fsr-3204	139	79	)	)	PUNCT
fsr-3204	139	80	in	in	ADP
fsr-3204	139	81	each	each	PRON
fsr-3204	139	82	of	of	ADP
fsr-3204	139	83	the	the	DET
fsr-3204	139	84	demographic	demographic	ADJ
fsr-3204	139	85	characteristic	characteristic	ADJ
fsr-3204	139	86	categories	category	NOUN
fsr-3204	139	87	to	to	PART
fsr-3204	139	88	include	include	VERB
fsr-3204	139	89	gender	gender	NOUN
fsr-3204	139	90	,	,	PUNCT
fsr-3204	139	91	age	age	NOUN
fsr-3204	139	92	,	,	PUNCT
fsr-3204	139	93	ethnicity	ethnicity	NOUN
fsr-3204	139	94	,	,	PUNCT
fsr-3204	139	95	education	education	NOUN
fsr-3204	139	96	,	,	PUNCT
fsr-3204	139	97	marital	marital	ADJ
fsr-3204	139	98	status	status	NOUN
fsr-3204	139	99	,	,	PUNCT
fsr-3204	139	100	income	income	NOUN
fsr-3204	139	101	,	,	PUNCT
fsr-3204	139	102	employment	employment	NOUN
fsr-3204	139	103	,	,	PUNCT
fsr-3204	139	104	and	and	CCONJ
fsr-3204	139	105	region	region	NOUN
fsr-3204	139	106	fa	fa	PROPN
fsr-3204	139	107	user	user	NOUN
fsr-3204	139	108	#	#	NOUN
fsr-3204	139	109	%	%	NOUN
fsr-3204	139	110	bg	bg	PROPN
fsr-3204	139	111	check	check	NOUN
fsr-3204	139	112	%	%	PROPN
fsr-3204	139	113	�	�	PROPN
fsr-3204	139	114	1	1	NUM
fsr-3204	139	115	adviser	adviser	NOUN
fsr-3204	139	116	do	do	VERB
fsr-3204	139	117	both	both	DET
fsr-3204	139	118	gender	gender	NOUN
fsr-3204	139	119	male	male	NOUN
fsr-3204	139	120	7,073	7,073	NUM
fsr-3204	139	121	15.9	15.9	NUM
fsr-3204	139	122	%	%	NOUN
fsr-3204	139	123	49.5	49.5	NUM
fsr-3204	139	124	%	%	NOUN
fsr-3204	139	125	12.3	12.3	NUM
fsr-3204	139	126	%	%	NOUN
fsr-3204	139	127	female	female	ADJ
fsr-3204	139	128	8,115	8,115	NUM
fsr-3204	139	129	12.7	12.7	NUM
fsr-3204	139	130	%	%	NOUN
fsr-3204	139	131	42.9	42.9	NUM
fsr-3204	139	132	%	%	NOUN
fsr-3204	139	133	9.0	9.0	NUM
fsr-3204	139	134	%	%	NOUN
fsr-3204	139	135	age	age	NOUN
fsr-3204	139	136	18–24	18–24	NUM
fsr-3204	139	137	1,277	1,277	NUM
fsr-3204	139	138	13.7	13.7	NUM
fsr-3204	139	139	%	%	NOUN
fsr-3204	139	140	46.0	46.0	NUM
fsr-3204	139	141	%	%	NOUN
fsr-3204	139	142	10.2	10.2	NUM
fsr-3204	139	143	%	%	NOUN
fsr-3204	139	144	25–34	25–34	NUM
fsr-3204	139	145	2,688	2,688	NUM
fsr-3204	139	146	14.4	14.4	NUM
fsr-3204	139	147	%	%	NOUN
fsr-3204	139	148	49.0	49.0	NUM
fsr-3204	139	149	%	%	NOUN
fsr-3204	139	150	10.8	10.8	NUM
fsr-3204	139	151	%	%	NOUN
fsr-3204	139	152	35–44	35–44	NUM
fsr-3204	139	153	2,998	2,998	NUM
fsr-3204	139	154	15.0	15.0	NUM
fsr-3204	139	155	%	%	NOUN
fsr-3204	139	156	49.6	49.6	NUM
fsr-3204	139	157	%	%	NOUN
fsr-3204	139	158	12.1	12.1	NUM
fsr-3204	139	159	%	%	NOUN
fsr-3204	139	160	45–54	45–54	NUM
fsr-3204	139	161	3,283	3,283	NUM
fsr-3204	139	162	14.7	14.7	NUM
fsr-3204	139	163	%	%	NOUN
fsr-3204	139	164	46.9	46.9	NUM
fsr-3204	139	165	%	%	NOUN
fsr-3204	139	166	10.9	10.9	NUM
fsr-3204	139	167	%	%	NOUN
fsr-3204	139	168	55–64	55–64	NUM
fsr-3204	139	169	2,601	2,601	NUM
fsr-3204	139	170	14.6	14.6	NUM
fsr-3204	139	171	%	%	NOUN
fsr-3204	139	172	44.1	44.1	NUM
fsr-3204	139	173	%	%	NOUN
fsr-3204	139	174	10.5	10.5	NUM
fsr-3204	139	175	%	%	NOUN
fsr-3204	139	176	65	65	NUM
fsr-3204	139	177	�	�	PROPN
fsr-3204	139	178	2,341	2,341	NUM
fsr-3204	139	179	12.1	12.1	NUM
fsr-3204	139	180	%	%	NOUN
fsr-3204	139	181	38.7	38.7	NUM
fsr-3204	139	182	%	%	NOUN
fsr-3204	139	183	7.8	7.8	NUM
fsr-3204	139	184	%	%	NOUN
fsr-3204	139	185	ethnicity	ethnicity	NOUN
fsr-3204	139	186	white	white	ADJ
fsr-3204	139	187	11,711	11,711	NUM
fsr-3204	139	188	13.0	13.0	NUM
fsr-3204	139	189	%	%	NOUN
fsr-3204	139	190	43.5	43.5	NUM
fsr-3204	139	191	%	%	NOUN
fsr-3204	139	192	9.2	9.2	NUM
fsr-3204	139	193	%	%	NOUN
fsr-3204	139	194	black	black	NOUN
fsr-3204	139	195	3,477	3,477	NUM
fsr-3204	139	196	18.2	18.2	NUM
fsr-3204	139	197	%	%	NOUN
fsr-3204	139	198	54.4	54.4	NUM
fsr-3204	139	199	%	%	NOUN
fsr-3204	139	200	14.9	14.9	NUM
fsr-3204	139	201	%	%	NOUN
fsr-3204	139	202	education	education	NOUN
fsr-3204	139	203	�	�	PROPN
fsr-3204	139	204	high	high	ADJ
fsr-3204	139	205	school	school	NOUN
fsr-3204	139	206	250	250	NUM
fsr-3204	139	207	10.4	10.4	NUM
fsr-3204	139	208	%	%	NOUN
fsr-3204	139	209	37.2	37.2	NUM
fsr-3204	139	210	%	%	NOUN
fsr-3204	139	211	7.2	7.2	NUM
fsr-3204	139	212	%	%	NOUN
fsr-3204	139	213	high	high	ADJ
fsr-3204	139	214	school	school	NOUN
fsr-3204	139	215	2,876	2,876	NUM
fsr-3204	139	216	10.8	10.8	NUM
fsr-3204	139	217	%	%	NOUN
fsr-3204	139	218	43.0	43.0	NUM
fsr-3204	139	219	%	%	NOUN
fsr-3204	139	220	8.0	8.0	NUM
fsr-3204	139	221	%	%	NOUN
fsr-3204	139	222	some	some	DET
fsr-3204	139	223	college	college	NOUN
fsr-3204	139	224	5,163	5,163	NUM
fsr-3204	139	225	13.4	13.4	NUM
fsr-3204	139	226	%	%	NOUN
fsr-3204	139	227	47.0	47.0	NUM
fsr-3204	139	228	%	%	NOUN
fsr-3204	139	229	10.0	10.0	NUM
fsr-3204	139	230	%	%	NOUN
fsr-3204	139	231	college	college	NOUN
fsr-3204	139	232	graduate	graduate	NOUN
fsr-3204	139	233	4,135	4,135	NUM
fsr-3204	139	234	15.4	15.4	NUM
fsr-3204	139	235	%	%	NOUN
fsr-3204	139	236	46.3	46.3	NUM
fsr-3204	139	237	%	%	NOUN
fsr-3204	139	238	11.5	11.5	NUM
fsr-3204	139	239	%	%	NOUN
fsr-3204	139	240	post	post	NOUN
fsr-3204	139	241	graduate	graduate	VERB
fsr-3204	139	242	2,764	2,764	NUM
fsr-3204	139	243	17.7	17.7	NUM
fsr-3204	139	244	%	%	NOUN
fsr-3204	139	245	47.4	47.4	NUM
fsr-3204	139	246	%	%	NOUN
fsr-3204	139	247	12.9	12.9	NUM
fsr-3204	139	248	%	%	NOUN
fsr-3204	139	249	marital	marital	ADJ
fsr-3204	139	250	status	status	NOUN
fsr-3204	139	251	married	marry	VERB
fsr-3204	139	252	9,542	9,542	NUM
fsr-3204	139	253	14.2	14.2	NUM
fsr-3204	139	254	%	%	NOUN
fsr-3204	139	255	45.6	45.6	NUM
fsr-3204	139	256	%	%	NOUN
fsr-3204	139	257	10.4	10.4	NUM
fsr-3204	139	258	%	%	NOUN
fsr-3204	139	259	single	single	ADJ
fsr-3204	139	260	3,092	3,092	NUM
fsr-3204	139	261	15.2	15.2	NUM
fsr-3204	139	262	%	%	NOUN
fsr-3204	139	263	48.5	48.5	NUM
fsr-3204	139	264	%	%	NOUN
fsr-3204	139	265	11.5	11.5	NUM
fsr-3204	139	266	%	%	NOUN
fsr-3204	139	267	separated	separate	VERB
fsr-3204	139	268	214	214	NUM
fsr-3204	139	269	14.5	14.5	NUM
fsr-3204	139	270	%	%	NOUN
fsr-3204	139	271	50.0	50.0	NUM
fsr-3204	139	272	%	%	NOUN
fsr-3204	139	273	10.7	10.7	NUM
fsr-3204	139	274	%	%	NOUN
fsr-3204	139	275	divorced	divorce	VERB
fsr-3204	139	276	1,682	1,682	NUM
fsr-3204	139	277	12.4	12.4	NUM
fsr-3204	139	278	%	%	NOUN
fsr-3204	139	279	44.9	44.9	NUM
fsr-3204	139	280	%	%	NOUN
fsr-3204	139	281	9.3	9.3	NUM
fsr-3204	139	282	%	%	NOUN
fsr-3204	139	283	widowed	widow	VERB
fsr-3204	139	284	658	658	NUM
fsr-3204	139	285	14.9	14.9	NUM
fsr-3204	139	286	%	%	NOUN
fsr-3204	139	287	40.4	40.4	NUM
fsr-3204	139	288	%	%	NOUN
fsr-3204	139	289	10.8	10.8	NUM
fsr-3204	139	290	%	%	NOUN
fsr-3204	139	291	income	income	NOUN
fsr-3204	139	292	�	�	NOUN
fsr-3204	139	293	$	$	SYM
fsr-3204	139	294	15,000	15,000	NUM
fsr-3204	139	295	1,071	1,071	NUM
fsr-3204	139	296	11.3	11.3	NUM
fsr-3204	139	297	%	%	NOUN
fsr-3204	139	298	43.1	43.1	NUM
fsr-3204	139	299	%	%	NOUN
fsr-3204	139	300	8.7	8.7	NUM
fsr-3204	139	301	%	%	NOUN
fsr-3204	139	302	$	$	SYM
fsr-3204	139	303	15k–$24,999	15k–$24,999	NUM
fsr-3204	139	304	1,502	1,502	NUM
fsr-3204	139	305	11.6	11.6	NUM
fsr-3204	139	306	%	%	NOUN
fsr-3204	139	307	43.1	43.1	NUM
fsr-3204	139	308	%	%	NOUN
fsr-3204	139	309	8.6	8.6	NUM
fsr-3204	139	310	%	%	NOUN
fsr-3204	139	311	$	$	SYM
fsr-3204	139	312	25k–$34,999	25k–$34,999	NUM
fsr-3204	139	313	1,697	1,697	NUM
fsr-3204	139	314	11.8	11.8	NUM
fsr-3204	139	315	%	%	NOUN
fsr-3204	139	316	44.1	44.1	NUM
fsr-3204	139	317	%	%	NOUN
fsr-3204	139	318	8.8	8.8	NUM
fsr-3204	139	319	%	%	NOUN
fsr-3204	139	320	$	$	SYM
fsr-3204	139	321	35k–$49,999	35k–$49,999	NUM
fsr-3204	139	322	2,426	2,426	NUM
fsr-3204	139	323	13.0	13.0	NUM
fsr-3204	139	324	%	%	NOUN
fsr-3204	139	325	45.3	45.3	NUM
fsr-3204	139	326	%	%	NOUN
fsr-3204	139	327	9.7	9.7	NUM
fsr-3204	139	328	%	%	NOUN
fsr-3204	139	329	$	$	SYM
fsr-3204	139	330	50k–$74,999	50k–$74,999	NUM
fsr-3204	139	331	3,252	3,252	NUM
fsr-3204	139	332	13.7	13.7	NUM
fsr-3204	139	333	%	%	NOUN
fsr-3204	139	334	45.8	45.8	NUM
fsr-3204	139	335	%	%	NOUN
fsr-3204	139	336	9.6	9.6	NUM
fsr-3204	139	337	%	%	NOUN
fsr-3204	139	338	$	$	SYM
fsr-3204	139	339	75k–$99,999	75k–$99,999	NUM
fsr-3204	139	340	2,081	2,081	NUM
fsr-3204	139	341	16.4	16.4	NUM
fsr-3204	139	342	%	%	NOUN
fsr-3204	139	343	47.4	47.4	NUM
fsr-3204	139	344	%	%	NOUN
fsr-3204	139	345	12.3	12.3	NUM
fsr-3204	139	346	%	%	NOUN
fsr-3204	139	347	$	$	SYM
fsr-3204	139	348	100k–$149,000	100k–$149,000	NUM
fsr-3204	139	349	1,930	1,930	NUM
fsr-3204	139	350	16.8	16.8	NUM
fsr-3204	139	351	%	%	NOUN
fsr-3204	139	352	47.7	47.7	NUM
fsr-3204	139	353	%	%	NOUN
fsr-3204	139	354	12.6	12.6	NUM
fsr-3204	139	355	%	%	NOUN
fsr-3204	139	356	$	$	SYM
fsr-3204	139	357	150,000	150,000	NUM
fsr-3204	139	358	1,229	1,229	NUM
fsr-3204	139	359	19.3	19.3	NUM
fsr-3204	139	360	%	%	NOUN
fsr-3204	139	361	51.3	51.3	NUM
fsr-3204	139	362	%	%	NOUN
fsr-3204	139	363	14.5	14.5	NUM
fsr-3204	139	364	%	%	NOUN
fsr-3204	139	365	employment	employment	NOUN
fsr-3204	139	366	self	self	NOUN
fsr-3204	139	367	employed	employ	VERB
fsr-3204	139	368	1,536	1,536	NUM
fsr-3204	139	369	19.9	19.9	NUM
fsr-3204	139	370	%	%	NOUN
fsr-3204	139	371	53.1	53.1	NUM
fsr-3204	139	372	%	%	NOUN
fsr-3204	139	373	14.8	14.8	NUM
fsr-3204	139	374	%	%	NOUN
fsr-3204	139	375	full	full	ADJ
fsr-3204	139	376	-	-	PUNCT
fsr-3204	139	377	time	time	NOUN
fsr-3204	139	378	6,422	6,422	NUM
fsr-3204	139	379	14.2	14.2	NUM
fsr-3204	139	380	%	%	NOUN
fsr-3204	139	381	46.4	46.4	NUM
fsr-3204	139	382	%	%	NOUN
fsr-3204	139	383	11.0	11.0	NUM
fsr-3204	139	384	%	%	NOUN
fsr-3204	139	385	part	part	NOUN
fsr-3204	139	386	-	-	PUNCT
fsr-3204	139	387	time	time	NOUN
fsr-3204	139	388	1,376	1,376	NUM
fsr-3204	139	389	11.4	11.4	NUM
fsr-3204	139	390	%	%	NOUN
fsr-3204	139	391	44.1	44.1	NUM
fsr-3204	139	392	%	%	NOUN
fsr-3204	139	393	8.6	8.6	NUM
fsr-3204	139	394	%	%	NOUN
fsr-3204	139	395	homemaker	homemaker	NOUN
fsr-3204	139	396	1,205	1,205	NUM
fsr-3204	139	397	12.3	12.3	NUM
fsr-3204	139	398	%	%	NOUN
fsr-3204	139	399	45.4	45.4	NUM
fsr-3204	139	400	%	%	NOUN
fsr-3204	139	401	9.0	9.0	NUM
fsr-3204	139	402	%	%	NOUN
fsr-3204	139	403	student	student	NOUN
fsr-3204	139	404	536	536	NUM
fsr-3204	139	405	14.9	14.9	NUM
fsr-3204	139	406	%	%	NOUN
fsr-3204	139	407	49.3	49.3	NUM
fsr-3204	139	408	%	%	NOUN
fsr-3204	139	409	11.4	11.4	NUM
fsr-3204	139	410	%	%	NOUN
fsr-3204	139	411	disabled	disabled	ADJ
fsr-3204	139	412	462	462	NUM
fsr-3204	139	413	14.3	14.3	NUM
fsr-3204	139	414	%	%	NOUN
fsr-3204	139	415	43.9	43.9	NUM
fsr-3204	139	416	%	%	NOUN
fsr-3204	139	417	8.9	8.9	NUM
fsr-3204	139	418	%	%	NOUN
fsr-3204	139	419	unemployed	unemployed	ADJ
fsr-3204	139	420	1,070	1,070	NUM
fsr-3204	139	421	14.5	14.5	NUM
fsr-3204	139	422	%	%	NOUN
fsr-3204	139	423	48.7	48.7	NUM
fsr-3204	139	424	%	%	NOUN
fsr-3204	139	425	10.6	10.6	NUM
fsr-3204	139	426	%	%	NOUN
fsr-3204	139	427	retired	retire	VERB
fsr-3204	139	428	2,581	2,581	NUM
fsr-3204	139	429	13.0	13.0	NUM
fsr-3204	139	430	%	%	NOUN
fsr-3204	139	431	40.4	40.4	NUM
fsr-3204	139	432	%	%	NOUN
fsr-3204	139	433	8.6	8.6	NUM
fsr-3204	139	434	%	%	NOUN
fsr-3204	139	435	region	region	NOUN
fsr-3204	139	436	northeast	northeast	VERB
fsr-3204	139	437	2,637	2,637	NUM
fsr-3204	139	438	16.7	16.7	NUM
fsr-3204	139	439	%	%	NOUN
fsr-3204	139	440	45.3	45.3	NUM
fsr-3204	139	441	%	%	NOUN
fsr-3204	139	442	12.7	12.7	NUM
fsr-3204	139	443	%	%	NOUN
fsr-3204	139	444	midwest	midwest	NOUN
fsr-3204	139	445	3,655	3,655	NUM
fsr-3204	139	446	11.6	11.6	NUM
fsr-3204	139	447	%	%	NOUN
fsr-3204	139	448	42.0	42.0	NUM
fsr-3204	139	449	%	%	NOUN
fsr-3204	139	450	8.1	8.1	NUM
fsr-3204	139	451	%	%	NOUN
fsr-3204	139	452	south	south	NOUN
fsr-3204	139	453	4,927	4,927	NUM
fsr-3204	139	454	14.0	14.0	NUM
fsr-3204	139	455	%	%	NOUN
fsr-3204	139	456	47.6	47.6	NUM
fsr-3204	139	457	%	%	NOUN
fsr-3204	139	458	10.6	10.6	NUM
fsr-3204	139	459	%	%	NOUN
fsr-3204	139	460	west	west	NOUN
fsr-3204	139	461	3,969	3,969	NUM
fsr-3204	139	462	15.2	15.2	NUM
fsr-3204	139	463	%	%	NOUN
fsr-3204	139	464	48.1	48.1	NUM
fsr-3204	139	465	%	%	NOUN
fsr-3204	139	466	11.1	11.1	NUM
fsr-3204	139	467	%	%	NOUN
fsr-3204	139	468	the	the	DET
fsr-3204	139	469	five	five	NUM
fsr-3204	139	470	adviser	adviser	NOUN
fsr-3204	139	471	types	type	NOUN
fsr-3204	139	472	include	include	VERB
fsr-3204	139	473	debt	debt	NOUN
fsr-3204	139	474	counselor	counselor	NOUN
fsr-3204	139	475	,	,	PUNCT
fsr-3204	139	476	savings	saving	NOUN
fsr-3204	139	477	or	or	CCONJ
fsr-3204	139	478	investments	investment	NOUN
fsr-3204	139	479	,	,	PUNCT
fsr-3204	139	480	mortgage	mortgage	NOUN
fsr-3204	139	481	or	or	CCONJ
fsr-3204	139	482	loan	loan	NOUN
fsr-3204	139	483	,	,	PUNCT
fsr-3204	139	484	insurance	insurance	NOUN
fsr-3204	139	485	,	,	PUNCT
fsr-3204	139	486	and	and	CCONJ
fsr-3204	139	487	tax	tax	NOUN
fsr-3204	139	488	planning	planning	NOUN
fsr-3204	139	489	.	.	PUNCT
fsr-3204	140	1	313b	313b	NOUN
fsr-3204	140	2	.	.	PUNCT
fsr-3204	141	1	balasubramnian	balasubramnian	PROPN
fsr-3204	141	2	et	et	PROPN
fsr-3204	141	3	al	al	PROPN
fsr-3204	141	4	.	.	PUNCT
fsr-3204	141	5	/	/	SYM
fsr-3204	141	6	financial	financial	ADJ
fsr-3204	141	7	services	service	NOUN
fsr-3204	141	8	review	review	VERB
fsr-3204	141	9	23	23	NUM
fsr-3204	141	10	(	(	PUNCT
fsr-3204	141	11	2014	2014	NUM
fsr-3204	141	12	)	)	PUNCT
fsr-3204	141	13	305–324	305–324	NUM
fsr-3204	141	14	table	table	NOUN
fsr-3204	141	15	3	3	NUM
fsr-3204	141	16	percent	percent	NOUN
fsr-3204	141	17	of	of	ADP
fsr-3204	141	18	the	the	DET
fsr-3204	141	19	survey	survey	NOUN
fsr-3204	141	20	respondents	respondent	NOUN
fsr-3204	141	21	that	that	PRON
fsr-3204	141	22	used	use	VERB
fsr-3204	141	23	a	a	DET
fsr-3204	141	24	specific	specific	ADJ
fsr-3204	141	25	type	type	NOUN
fsr-3204	141	26	of	of	ADP
fsr-3204	141	27	financial	financial	ADJ
fsr-3204	141	28	adviser	adviser	NOUN
fsr-3204	141	29	in	in	ADP
fsr-3204	141	30	the	the	DET
fsr-3204	141	31	past	past	ADJ
fsr-3204	141	32	five	five	NUM
fsr-3204	141	33	years	year	NOUN
fsr-3204	141	34	and	and	CCONJ
fsr-3204	141	35	claimed	claim	VERB
fsr-3204	141	36	to	to	PART
fsr-3204	141	37	have	have	AUX
fsr-3204	141	38	checked	check	VERB
fsr-3204	141	39	the	the	DET
fsr-3204	141	40	background	background	NOUN
fsr-3204	141	41	of	of	ADP
fsr-3204	141	42	their	their	PRON
fsr-3204	141	43	adviser	adviser	NOUN
fsr-3204	141	44	(	(	PUNCT
fsr-3204	141	45	%	%	INTJ
fsr-3204	141	46	bg	bg	PROPN
fsr-3204	141	47	check	check	PROPN
fsr-3204	141	48	)	)	PUNCT
fsr-3204	141	49	,	,	PUNCT
fsr-3204	141	50	considered	consider	VERB
fsr-3204	141	51	more	more	ADJ
fsr-3204	141	52	than	than	ADP
fsr-3204	141	53	one	one	NUM
fsr-3204	141	54	adviser	adviser	NOUN
fsr-3204	141	55	(	(	PUNCT
fsr-3204	141	56	%	%	NOUN
fsr-3204	141	57	�	�	PROPN
fsr-3204	141	58	1	1	NUM
fsr-3204	141	59	adviser	adviser	NOUN
fsr-3204	141	60	)	)	PUNCT
fsr-3204	141	61	,	,	PUNCT
fsr-3204	141	62	and	and	CCONJ
fsr-3204	141	63	did	do	AUX
fsr-3204	141	64	both	both	PRON
fsr-3204	141	65	(	(	PUNCT
fsr-3204	141	66	do	do	VERB
fsr-3204	141	67	both	both	PRON
fsr-3204	141	68	)	)	PUNCT
fsr-3204	141	69	in	in	ADP
fsr-3204	141	70	each	each	PRON
fsr-3204	141	71	of	of	ADP
fsr-3204	141	72	the	the	DET
fsr-3204	141	73	demographic	demographic	ADJ
fsr-3204	141	74	characteristic	characteristic	ADJ
fsr-3204	141	75	categories	category	NOUN
fsr-3204	141	76	to	to	PART
fsr-3204	141	77	include	include	VERB
fsr-3204	141	78	gender	gender	NOUN
fsr-3204	141	79	,	,	PUNCT
fsr-3204	141	80	age	age	NOUN
fsr-3204	141	81	,	,	PUNCT
fsr-3204	141	82	ethnicity	ethnicity	NOUN
fsr-3204	141	83	,	,	PUNCT
fsr-3204	141	84	education	education	NOUN
fsr-3204	141	85	,	,	PUNCT
fsr-3204	141	86	marital	marital	ADJ
fsr-3204	141	87	status	status	NOUN
fsr-3204	141	88	,	,	PUNCT
fsr-3204	141	89	income	income	NOUN
fsr-3204	141	90	,	,	PUNCT
fsr-3204	141	91	employment	employment	NOUN
fsr-3204	141	92	,	,	PUNCT
fsr-3204	141	93	and	and	CCONJ
fsr-3204	141	94	region	region	NOUN
fsr-3204	141	95	panel	panel	NOUN
fsr-3204	141	96	a	a	DET
fsr-3204	141	97	:	:	PUNCT
fsr-3204	141	98	debt	debt	NOUN
fsr-3204	141	99	counselors	counselor	NOUN
fsr-3204	141	100	and	and	CCONJ
fsr-3204	141	101	savings	saving	NOUN
fsr-3204	141	102	or	or	CCONJ
fsr-3204	141	103	investments	investment	NOUN
fsr-3204	141	104	debt	debt	NOUN
fsr-3204	141	105	counselor	counselor	NOUN
fsr-3204	141	106	savings	saving	NOUN
fsr-3204	141	107	or	or	CCONJ
fsr-3204	141	108	investments	investment	NOUN
fsr-3204	141	109	#	#	NOUN
fsr-3204	141	110	%	%	NOUN
fsr-3204	141	111	bg	bg	PROPN
fsr-3204	141	112	check	check	NOUN
fsr-3204	141	113	%	%	PROPN
fsr-3204	141	114	�	�	PROPN
fsr-3204	141	115	1	1	NUM
fsr-3204	141	116	adviser	adviser	NOUN
fsr-3204	141	117	do	do	AUX
fsr-3204	141	118	both	both	PRON
fsr-3204	141	119	#	#	NOUN
fsr-3204	141	120	%	%	NOUN
fsr-3204	141	121	bg	bg	PROPN
fsr-3204	141	122	check	check	NOUN
fsr-3204	141	123	%	%	PROPN
fsr-3204	141	124	�	�	PROPN
fsr-3204	141	125	1	1	NUM
fsr-3204	141	126	adviser	adviser	NOUN
fsr-3204	141	127	do	do	VERB
fsr-3204	141	128	both	both	DET
fsr-3204	141	129	gender	gender	NOUN
fsr-3204	141	130	male	male	NOUN
fsr-3204	141	131	1,238	1,238	NUM
fsr-3204	141	132	23.8	23.8	NUM
fsr-3204	141	133	%	%	NOUN
fsr-3204	141	134	58.3	58.3	NUM
fsr-3204	141	135	%	%	NOUN
fsr-3204	141	136	19.6	19.6	NUM
fsr-3204	141	137	%	%	NOUN
fsr-3204	141	138	4,199	4,199	NUM
fsr-3204	141	139	19.4	19.4	NUM
fsr-3204	141	140	%	%	NOUN
fsr-3204	141	141	53.9	53.9	NUM
fsr-3204	141	142	%	%	NOUN
fsr-3204	141	143	15.3	15.3	NUM
fsr-3204	141	144	%	%	NOUN
fsr-3204	141	145	female	female	ADJ
fsr-3204	141	146	1,482	1,482	NUM
fsr-3204	141	147	17.6	17.6	NUM
fsr-3204	141	148	%	%	NOUN
fsr-3204	141	149	50.4	50.4	NUM
fsr-3204	141	150	%	%	NOUN
fsr-3204	141	151	13.4	13.4	NUM
fsr-3204	141	152	%	%	NOUN
fsr-3204	141	153	4,448	4,448	NUM
fsr-3204	141	154	15.7	15.7	NUM
fsr-3204	141	155	%	%	NOUN
fsr-3204	141	156	46.0	46.0	NUM
fsr-3204	141	157	%	%	NOUN
fsr-3204	141	158	11.1	11.1	NUM
fsr-3204	141	159	%	%	NOUN
fsr-3204	141	160	age	age	NOUN
fsr-3204	141	161	18–24	18–24	NUM
fsr-3204	141	162	236	236	NUM
fsr-3204	141	163	26.3	26.3	NUM
fsr-3204	141	164	%	%	NOUN
fsr-3204	141	165	60.2	60.2	NUM
fsr-3204	141	166	%	%	NOUN
fsr-3204	141	167	20.3	20.3	NUM
fsr-3204	141	168	%	%	NOUN
fsr-3204	141	169	694	694	NUM
fsr-3204	141	170	17.7	17.7	NUM
fsr-3204	141	171	%	%	NOUN
fsr-3204	141	172	50.4	50.4	NUM
fsr-3204	141	173	%	%	NOUN
fsr-3204	141	174	13.7	13.7	NUM
fsr-3204	141	175	%	%	NOUN
fsr-3204	141	176	25–34	25–34	NUM
fsr-3204	141	177	660	660	NUM
fsr-3204	141	178	21.7	21.7	NUM
fsr-3204	141	179	%	%	NOUN
fsr-3204	141	180	55.2	55.2	NUM
fsr-3204	141	181	%	%	NOUN
fsr-3204	141	182	18.5	18.5	NUM
fsr-3204	141	183	%	%	NOUN
fsr-3204	141	184	1,415	1,415	NUM
fsr-3204	141	185	20.1	20.1	NUM
fsr-3204	141	186	%	%	NOUN
fsr-3204	141	187	55.9	55.9	NUM
fsr-3204	141	188	%	%	NOUN
fsr-3204	141	189	15.4	15.4	NUM
fsr-3204	141	190	%	%	NOUN
fsr-3204	141	191	35–44	35–44	NUM
fsr-3204	141	192	659	659	NUM
fsr-3204	141	193	20.2	20.2	NUM
fsr-3204	141	194	%	%	NOUN
fsr-3204	141	195	55.7	55.7	NUM
fsr-3204	141	196	%	%	NOUN
fsr-3204	141	197	15.8	15.8	NUM
fsr-3204	141	198	%	%	NOUN
fsr-3204	141	199	1,541	1,541	NUM
fsr-3204	141	200	19.8	19.8	NUM
fsr-3204	141	201	%	%	NOUN
fsr-3204	141	202	54.6	54.6	NUM
fsr-3204	141	203	%	%	NOUN
fsr-3204	141	204	16.2	16.2	NUM
fsr-3204	141	205	%	%	NOUN
fsr-3204	141	206	45–54	45–54	NUM
fsr-3204	141	207	626	626	NUM
fsr-3204	141	208	19.0	19.0	NUM
fsr-3204	141	209	%	%	NOUN
fsr-3204	141	210	51.6	51.6	NUM
fsr-3204	141	211	%	%	NOUN
fsr-3204	141	212	15.0	15.0	NUM
fsr-3204	141	213	%	%	NOUN
fsr-3204	141	214	1,770	1,770	NUM
fsr-3204	141	215	17.3	17.3	NUM
fsr-3204	141	216	%	%	NOUN
fsr-3204	141	217	51.4	51.4	NUM
fsr-3204	141	218	%	%	NOUN
fsr-3204	141	219	13.2	13.2	NUM
fsr-3204	141	220	%	%	NOUN
fsr-3204	141	221	55–64	55–64	NUM
fsr-3204	141	222	350	350	NUM
fsr-3204	141	223	19.1	19.1	NUM
fsr-3204	141	224	%	%	NOUN
fsr-3204	141	225	51.7	51.7	NUM
fsr-3204	141	226	%	%	NOUN
fsr-3204	141	227	14.6	14.6	NUM
fsr-3204	141	228	%	%	NOUN
fsr-3204	141	229	1,635	1,635	NUM
fsr-3204	141	230	17.3	17.3	NUM
fsr-3204	141	231	%	%	NOUN
fsr-3204	141	232	48.0	48.0	NUM
fsr-3204	141	233	%	%	NOUN
fsr-3204	141	234	12.4	12.4	NUM
fsr-3204	141	235	%	%	NOUN
fsr-3204	141	236	65	65	NUM
fsr-3204	141	237	�	�	PROPN
fsr-3204	141	238	189	189	NUM
fsr-3204	141	239	16.9	16.9	NUM
fsr-3204	141	240	%	%	NOUN
fsr-3204	141	241	48.7	48.7	NUM
fsr-3204	141	242	%	%	NOUN
fsr-3204	141	243	12.2	12.2	NUM
fsr-3204	141	244	%	%	NOUN
fsr-3204	141	245	1,592	1,592	NUM
fsr-3204	141	246	13.3	13.3	NUM
fsr-3204	141	247	%	%	NOUN
fsr-3204	141	248	39.6	39.6	NUM
fsr-3204	141	249	%	%	NOUN
fsr-3204	141	250	8.7	8.7	NUM
fsr-3204	141	251	%	%	NOUN
fsr-3204	141	252	ethnicity	ethnicity	NOUN
fsr-3204	141	253	white	white	ADJ
fsr-3204	141	254	1,815	1,815	NUM
fsr-3204	141	255	18.0	18.0	NUM
fsr-3204	141	256	%	%	NOUN
fsr-3204	141	257	49.9	49.9	NUM
fsr-3204	141	258	%	%	NOUN
fsr-3204	141	259	13.4	13.4	NUM
fsr-3204	141	260	%	%	NOUN
fsr-3204	141	261	6,779	6,779	NUM
fsr-3204	141	262	15.8	15.8	NUM
fsr-3204	141	263	%	%	NOUN
fsr-3204	141	264	47.1	47.1	NUM
fsr-3204	141	265	%	%	NOUN
fsr-3204	141	266	11.3	11.3	NUM
fsr-3204	141	267	%	%	NOUN
fsr-3204	141	268	black	black	ADJ
fsr-3204	141	269	905	905	NUM
fsr-3204	141	270	25.4	25.4	NUM
fsr-3204	141	271	%	%	NOUN
fsr-3204	141	272	62.2	62.2	NUM
fsr-3204	141	273	%	%	NOUN
fsr-3204	141	274	21.9	21.9	NUM
fsr-3204	141	275	%	%	NOUN
fsr-3204	141	276	1,868	1,868	NUM
fsr-3204	141	277	23.8	23.8	NUM
fsr-3204	141	278	%	%	NOUN
fsr-3204	141	279	59.5	59.5	NUM
fsr-3204	141	280	%	%	NOUN
fsr-3204	141	281	20.0	20.0	NUM
fsr-3204	141	282	%	%	NOUN
fsr-3204	141	283	education	education	NOUN
fsr-3204	141	284	�	�	PROPN
fsr-3204	141	285	high	high	ADJ
fsr-3204	141	286	school	school	NOUN
fsr-3204	141	287	55	55	NUM
fsr-3204	141	288	12.7	12.7	NUM
fsr-3204	141	289	%	%	NOUN
fsr-3204	141	290	47.3	47.3	NUM
fsr-3204	141	291	%	%	NOUN
fsr-3204	141	292	5.5	5.5	NUM
fsr-3204	141	293	%	%	NOUN
fsr-3204	141	294	94	94	NUM
fsr-3204	141	295	19.1	19.1	NUM
fsr-3204	141	296	%	%	NOUN
fsr-3204	141	297	43.6	43.6	NUM
fsr-3204	141	298	%	%	NOUN
fsr-3204	141	299	11.7	11.7	NUM
fsr-3204	141	300	%	%	NOUN
fsr-3204	141	301	high	high	ADJ
fsr-3204	141	302	school	school	NOUN
fsr-3204	141	303	584	584	NUM
fsr-3204	141	304	16.6	16.6	NUM
fsr-3204	141	305	%	%	NOUN
fsr-3204	141	306	55.5	55.5	NUM
fsr-3204	141	307	%	%	NOUN
fsr-3204	141	308	13.4	13.4	NUM
fsr-3204	141	309	%	%	NOUN
fsr-3204	141	310	1,301	1,301	NUM
fsr-3204	141	311	13.8	13.8	NUM
fsr-3204	141	312	%	%	NOUN
fsr-3204	141	313	46.3	46.3	NUM
fsr-3204	141	314	%	%	NOUN
fsr-3204	141	315	10.5	10.5	NUM
fsr-3204	141	316	%	%	NOUN
fsr-3204	141	317	some	some	DET
fsr-3204	141	318	college	college	NOUN
fsr-3204	141	319	1,045	1,045	NUM
fsr-3204	141	320	17.7	17.7	NUM
fsr-3204	141	321	%	%	NOUN
fsr-3204	141	322	53.0	53.0	NUM
fsr-3204	141	323	%	%	NOUN
fsr-3204	141	324	13.9	13.9	NUM
fsr-3204	141	325	%	%	NOUN
fsr-3204	141	326	2,778	2,778	NUM
fsr-3204	141	327	17.0	17.0	NUM
fsr-3204	141	328	%	%	NOUN
fsr-3204	141	329	51.7	51.7	NUM
fsr-3204	141	330	%	%	NOUN
fsr-3204	141	331	12.6	12.6	NUM
fsr-3204	141	332	%	%	NOUN
fsr-3204	141	333	college	college	NOUN
fsr-3204	141	334	graduate	graduate	NOUN
fsr-3204	141	335	692	692	NUM
fsr-3204	141	336	24.3	24.3	NUM
fsr-3204	141	337	%	%	NOUN
fsr-3204	141	338	53.9	53.9	NUM
fsr-3204	141	339	%	%	NOUN
fsr-3204	141	340	19.8	19.8	NUM
fsr-3204	141	341	%	%	NOUN
fsr-3204	141	342	2,534	2,534	NUM
fsr-3204	141	343	18.6	18.6	NUM
fsr-3204	141	344	%	%	NOUN
fsr-3204	141	345	49.7	49.7	NUM
fsr-3204	141	346	%	%	NOUN
fsr-3204	141	347	14.1	14.1	NUM
fsr-3204	141	348	%	%	NOUN
fsr-3204	141	349	post	post	NOUN
fsr-3204	141	350	graduate	graduate	VERB
fsr-3204	141	351	344	344	NUM
fsr-3204	141	352	28.8	28.8	NUM
fsr-3204	141	353	%	%	NOUN
fsr-3204	141	354	55.8	55.8	NUM
fsr-3204	141	355	%	%	NOUN
fsr-3204	141	356	23.0	23.0	NUM
fsr-3204	141	357	%	%	NOUN
fsr-3204	141	358	1,940	1,940	NUM
fsr-3204	141	359	19.1	19.1	NUM
fsr-3204	141	360	%	%	NOUN
fsr-3204	141	361	50.0	50.0	NUM
fsr-3204	141	362	%	%	NOUN
fsr-3204	141	363	14.5	14.5	NUM
fsr-3204	141	364	%	%	NOUN
fsr-3204	141	365	marital	marital	ADJ
fsr-3204	141	366	status	status	NOUN
fsr-3204	141	367	married	marry	VERB
fsr-3204	141	368	1,553	1,553	NUM
fsr-3204	141	369	20.5	20.5	NUM
fsr-3204	141	370	%	%	NOUN
fsr-3204	141	371	53.6	53.6	NUM
fsr-3204	141	372	%	%	NOUN
fsr-3204	141	373	15.9	15.9	NUM
fsr-3204	141	374	%	%	NOUN
fsr-3204	141	375	5,526	5,526	NUM
fsr-3204	141	376	17.2	17.2	NUM
fsr-3204	141	377	%	%	NOUN
fsr-3204	141	378	49.2	49.2	NUM
fsr-3204	141	379	%	%	NOUN
fsr-3204	141	380	12.7	12.7	NUM
fsr-3204	141	381	%	%	NOUN
fsr-3204	141	382	single	single	ADJ
fsr-3204	141	383	669	669	NUM
fsr-3204	141	384	22.4	22.4	NUM
fsr-3204	141	385	%	%	NOUN
fsr-3204	141	386	58.4	58.4	NUM
fsr-3204	141	387	%	%	NOUN
fsr-3204	141	388	18.8	18.8	NUM
fsr-3204	141	389	%	%	NOUN
fsr-3204	141	390	1,748	1,748	NUM
fsr-3204	141	391	19.2	19.2	NUM
fsr-3204	141	392	%	%	NOUN
fsr-3204	141	393	53.8	53.8	NUM
fsr-3204	141	394	%	%	NOUN
fsr-3204	141	395	15.2	15.2	NUM
fsr-3204	141	396	%	%	NOUN
fsr-3204	141	397	separated	separate	VERB
fsr-3204	141	398	63	63	NUM
fsr-3204	141	399	20.6	20.6	NUM
fsr-3204	141	400	%	%	NOUN
fsr-3204	141	401	60.3	60.3	NUM
fsr-3204	141	402	%	%	NOUN
fsr-3204	141	403	17.5	17.5	NUM
fsr-3204	141	404	%	%	NOUN
fsr-3204	141	405	93	93	NUM
fsr-3204	141	406	21.5	21.5	NUM
fsr-3204	141	407	%	%	NOUN
fsr-3204	141	408	60.2	60.2	NUM
fsr-3204	141	409	%	%	NOUN
fsr-3204	141	410	15.1	15.1	NUM
fsr-3204	141	411	%	%	NOUN
fsr-3204	141	412	divorced	divorce	VERB
fsr-3204	141	413	352	352	NUM
fsr-3204	141	414	15.3	15.3	NUM
fsr-3204	141	415	%	%	NOUN
fsr-3204	141	416	48.3	48.3	NUM
fsr-3204	141	417	%	%	NOUN
fsr-3204	141	418	11.9	11.9	NUM
fsr-3204	141	419	%	%	NOUN
fsr-3204	141	420	878	878	NUM
fsr-3204	141	421	15.7	15.7	NUM
fsr-3204	141	422	%	%	NOUN
fsr-3204	141	423	48.4	48.4	NUM
fsr-3204	141	424	%	%	NOUN
fsr-3204	141	425	12.1	12.1	NUM
fsr-3204	141	426	%	%	NOUN
fsr-3204	141	427	widowed	widow	VERB
fsr-3204	141	428	83	83	NUM
fsr-3204	141	429	24.1	24.1	NUM
fsr-3204	141	430	%	%	NOUN
fsr-3204	141	431	44.6	44.6	NUM
fsr-3204	141	432	%	%	NOUN
fsr-3204	141	433	19.3	19.3	NUM
fsr-3204	141	434	%	%	NOUN
fsr-3204	141	435	402	402	NUM
fsr-3204	141	436	16.4	16.4	NUM
fsr-3204	141	437	%	%	NOUN
fsr-3204	141	438	41.0	41.0	NUM
fsr-3204	141	439	%	%	NOUN
fsr-3204	141	440	12.2	12.2	NUM
fsr-3204	141	441	%	%	NOUN
fsr-3204	141	442	income	income	NOUN
fsr-3204	141	443	�	�	NOUN
fsr-3204	141	444	$	$	SYM
fsr-3204	141	445	15,000	15,000	NUM
fsr-3204	141	446	255	255	NUM
fsr-3204	141	447	22.0	22.0	NUM
fsr-3204	141	448	%	%	NOUN
fsr-3204	141	449	51.4	51.4	NUM
fsr-3204	141	450	%	%	NOUN
fsr-3204	141	451	16.9	16.9	NUM
fsr-3204	141	452	%	%	NOUN
fsr-3204	141	453	488	488	NUM
fsr-3204	141	454	15.6	15.6	NUM
fsr-3204	141	455	%	%	NOUN
fsr-3204	141	456	48.8	48.8	NUM
fsr-3204	141	457	%	%	NOUN
fsr-3204	141	458	11.9	11.9	NUM
fsr-3204	141	459	%	%	NOUN
fsr-3204	141	460	$	$	SYM
fsr-3204	141	461	15k–$24,999	15k–$24,999	NUM
fsr-3204	141	462	371	371	NUM
fsr-3204	141	463	15.9	15.9	NUM
fsr-3204	141	464	%	%	NOUN
fsr-3204	141	465	51.8	51.8	NUM
fsr-3204	141	466	%	%	NOUN
fsr-3204	141	467	12.7	12.7	NUM
fsr-3204	141	468	%	%	NOUN
fsr-3204	141	469	663	663	NUM
fsr-3204	141	470	14.8	14.8	NUM
fsr-3204	141	471	%	%	NOUN
fsr-3204	141	472	48.7	48.7	NUM
fsr-3204	141	473	%	%	NOUN
fsr-3204	141	474	11.2	11.2	NUM
fsr-3204	141	475	%	%	NOUN
fsr-3204	141	476	$	$	SYM
fsr-3204	141	477	25k–$34,999	25k–$34,999	NUM
fsr-3204	141	478	401	401	NUM
fsr-3204	141	479	15.5	15.5	NUM
fsr-3204	141	480	%	%	NOUN
fsr-3204	141	481	55.9	55.9	NUM
fsr-3204	141	482	%	%	NOUN
fsr-3204	141	483	12.2	12.2	NUM
fsr-3204	141	484	%	%	NOUN
fsr-3204	141	485	836	836	NUM
fsr-3204	141	486	14.6	14.6	NUM
fsr-3204	141	487	%	%	NOUN
fsr-3204	141	488	46.8	46.8	NUM
fsr-3204	141	489	%	%	NOUN
fsr-3204	141	490	11.4	11.4	NUM
fsr-3204	141	491	%	%	NOUN
fsr-3204	141	492	$	$	SYM
fsr-3204	141	493	35k–$49,999	35k–$49,999	NUM
fsr-3204	141	494	497	497	NUM
fsr-3204	141	495	18.9	18.9	NUM
fsr-3204	141	496	%	%	NOUN
fsr-3204	141	497	53.3	53.3	NUM
fsr-3204	141	498	%	%	NOUN
fsr-3204	141	499	15.5	15.5	NUM
fsr-3204	141	500	%	%	NOUN
fsr-3204	141	501	1,250	1,250	NUM
fsr-3204	141	502	17.0	17.0	NUM
fsr-3204	141	503	%	%	NOUN
fsr-3204	141	504	49.9	49.9	NUM
fsr-3204	141	505	%	%	NOUN
fsr-3204	141	506	13.0	13.0	NUM
fsr-3204	141	507	%	%	NOUN
fsr-3204	141	508	$	$	SYM
fsr-3204	141	509	50k–$74,999	50k–$74,999	NUM
fsr-3204	141	510	600	600	NUM
fsr-3204	141	511	18.3	18.3	NUM
fsr-3204	141	512	%	%	NOUN
fsr-3204	141	513	52.5	52.5	NUM
fsr-3204	141	514	%	%	NOUN
fsr-3204	141	515	14.0	14.0	NUM
fsr-3204	141	516	%	%	NOUN
fsr-3204	141	517	1,872	1,872	NUM
fsr-3204	141	518	17.2	17.2	NUM
fsr-3204	141	519	%	%	NOUN
fsr-3204	141	520	48.8	48.8	NUM
fsr-3204	141	521	%	%	NOUN
fsr-3204	141	522	12.3	12.3	NUM
fsr-3204	141	523	%	%	NOUN
fsr-3204	141	524	$	$	SYM
fsr-3204	141	525	75k–$99,999	75k–$99,999	NUM
fsr-3204	141	526	311	311	NUM
fsr-3204	141	527	24.4	24.4	NUM
fsr-3204	141	528	%	%	NOUN
fsr-3204	141	529	57.6	57.6	NUM
fsr-3204	141	530	%	%	NOUN
fsr-3204	141	531	19.6	19.6	NUM
fsr-3204	141	532	%	%	NOUN
fsr-3204	141	533	1,304	1,304	NUM
fsr-3204	141	534	19.2	19.2	NUM
fsr-3204	141	535	%	%	NOUN
fsr-3204	141	536	50.7	50.7	NUM
fsr-3204	141	537	%	%	NOUN
fsr-3204	141	538	14.5	14.5	NUM
fsr-3204	141	539	%	%	NOUN
fsr-3204	141	540	$	$	SYM
fsr-3204	141	541	100k–$149,000	100k–$149,000	NUM
fsr-3204	141	542	201	201	NUM
fsr-3204	141	543	33.3	33.3	NUM
fsr-3204	141	544	%	%	NOUN
fsr-3204	141	545	55.2	55.2	NUM
fsr-3204	141	546	%	%	NOUN
fsr-3204	141	547	26.9	26.9	NUM
fsr-3204	141	548	%	%	NOUN
fsr-3204	141	549	1,335	1,335	NUM
fsr-3204	141	550	18.5	18.5	NUM
fsr-3204	141	551	%	%	NOUN
fsr-3204	141	552	50.9	50.9	NUM
fsr-3204	141	553	%	%	NOUN
fsr-3204	141	554	14.2	14.2	NUM
fsr-3204	141	555	%	%	NOUN
fsr-3204	141	556	�	�	NOUN
fsr-3204	141	557	$	$	SYM
fsr-3204	141	558	150,000	150,000	NUM
fsr-3204	141	559	84	84	NUM
fsr-3204	141	560	38.1	38.1	NUM
fsr-3204	141	561	%	%	NOUN
fsr-3204	141	562	61.9	61.9	NUM
fsr-3204	141	563	%	%	NOUN
fsr-3204	141	564	32.1	32.1	NUM
fsr-3204	141	565	%	%	NOUN
fsr-3204	141	566	899	899	NUM
fsr-3204	141	567	20.5	20.5	NUM
fsr-3204	141	568	%	%	NOUN
fsr-3204	141	569	53.2	53.2	NUM
fsr-3204	141	570	%	%	NOUN
fsr-3204	141	571	15.2	15.2	NUM
fsr-3204	141	572	%	%	NOUN
fsr-3204	141	573	employment	employment	NOUN
fsr-3204	141	574	self	self	NOUN
fsr-3204	141	575	employed	employ	VERB
fsr-3204	141	576	284	284	NUM
fsr-3204	141	577	26.1	26.1	NUM
fsr-3204	141	578	%	%	NOUN
fsr-3204	141	579	64.8	64.8	NUM
fsr-3204	141	580	%	%	NOUN
fsr-3204	141	581	21.1	21.1	NUM
fsr-3204	141	582	%	%	NOUN
fsr-3204	141	583	929	929	NUM
fsr-3204	141	584	22.9	22.9	NUM
fsr-3204	141	585	%	%	NOUN
fsr-3204	141	586	58.2	58.2	NUM
fsr-3204	141	587	%	%	NOUN
fsr-3204	141	588	17.3	17.3	NUM
fsr-3204	141	589	%	%	NOUN
fsr-3204	141	590	full	full	ADJ
fsr-3204	141	591	-	-	PUNCT
fsr-3204	141	592	time	time	NOUN
fsr-3204	141	593	1,257	1,257	NUM
fsr-3204	141	594	20.3	20.3	NUM
fsr-3204	141	595	%	%	NOUN
fsr-3204	141	596	52.4	52.4	NUM
fsr-3204	141	597	%	%	NOUN
fsr-3204	141	598	16.6	16.6	NUM
fsr-3204	141	599	%	%	NOUN
fsr-3204	141	600	3,689	3,689	NUM
fsr-3204	141	601	17.9	17.9	NUM
fsr-3204	141	602	%	%	NOUN
fsr-3204	141	603	51.2	51.2	NUM
fsr-3204	141	604	%	%	NOUN
fsr-3204	141	605	14.2	14.2	NUM
fsr-3204	141	606	%	%	NOUN
fsr-3204	141	607	part	part	NOUN
fsr-3204	141	608	-	-	PUNCT
fsr-3204	141	609	time	time	NOUN
fsr-3204	141	610	236	236	NUM
fsr-3204	141	611	15.7	15.7	NUM
fsr-3204	141	612	%	%	NOUN
fsr-3204	141	613	52.5	52.5	NUM
fsr-3204	141	614	%	%	NOUN
fsr-3204	141	615	13.1	13.1	NUM
fsr-3204	141	616	%	%	NOUN
fsr-3204	141	617	779	779	NUM
fsr-3204	141	618	14.8	14.8	NUM
fsr-3204	141	619	%	%	NOUN
fsr-3204	141	620	47.0	47.0	NUM
fsr-3204	141	621	%	%	NOUN
fsr-3204	141	622	11.4	11.4	NUM
fsr-3204	141	623	%	%	NOUN
fsr-3204	141	624	homemaker	homemaker	NOUN
fsr-3204	141	625	205	205	NUM
fsr-3204	141	626	17.1	17.1	NUM
fsr-3204	141	627	%	%	NOUN
fsr-3204	141	628	47.8	47.8	NUM
fsr-3204	141	629	%	%	NOUN
fsr-3204	141	630	11.2	11.2	NUM
fsr-3204	141	631	%	%	NOUN
fsr-3204	141	632	586	586	NUM
fsr-3204	141	633	15.0	15.0	NUM
fsr-3204	141	634	%	%	NOUN
fsr-3204	141	635	49.3	49.3	NUM
fsr-3204	141	636	%	%	NOUN
fsr-3204	141	637	10.8	10.8	NUM
fsr-3204	141	638	%	%	NOUN
fsr-3204	141	639	student	student	NOUN
fsr-3204	141	640	107	107	NUM
fsr-3204	141	641	28.0	28.0	NUM
fsr-3204	141	642	%	%	NOUN
fsr-3204	141	643	58.9	58.9	NUM
fsr-3204	141	644	%	%	NOUN
fsr-3204	141	645	20.6	20.6	NUM
fsr-3204	141	646	%	%	NOUN
fsr-3204	141	647	320	320	NUM
fsr-3204	141	648	18.1	18.1	NUM
fsr-3204	141	649	%	%	NOUN
fsr-3204	141	650	54.1	54.1	NUM
fsr-3204	141	651	%	%	NOUN
fsr-3204	141	652	13.8	13.8	NUM
fsr-3204	141	653	%	%	NOUN
fsr-3204	141	654	disabled	disabled	ADJ
fsr-3204	141	655	121	121	NUM
fsr-3204	141	656	17.4	17.4	NUM
fsr-3204	141	657	%	%	NOUN
fsr-3204	141	658	38.0	38.0	NUM
fsr-3204	141	659	%	%	NOUN
fsr-3204	141	660	10.7	10.7	NUM
fsr-3204	141	661	%	%	NOUN
fsr-3204	141	662	170	170	NUM
fsr-3204	141	663	20.0	20.0	NUM
fsr-3204	141	664	%	%	NOUN
fsr-3204	141	665	44.7	44.7	NUM
fsr-3204	141	666	%	%	NOUN
fsr-3204	141	667	10.6	10.6	NUM
fsr-3204	141	668	%	%	NOUN
fsr-3204	141	669	unemployed	unemployed	ADJ
fsr-3204	141	670	259	259	NUM
fsr-3204	141	671	23.2	23.2	NUM
fsr-3204	141	672	%	%	NOUN
fsr-3204	141	673	62.9	62.9	NUM
fsr-3204	141	674	%	%	NOUN
fsr-3204	141	675	18.1	18.1	NUM
fsr-3204	141	676	%	%	NOUN
fsr-3204	141	677	506	506	NUM
fsr-3204	141	678	19.6	19.6	NUM
fsr-3204	141	679	%	%	NOUN
fsr-3204	141	680	52.6	52.6	NUM
fsr-3204	141	681	%	%	NOUN
fsr-3204	141	682	14.0	14.0	NUM
fsr-3204	141	683	%	%	NOUN
fsr-3204	141	684	retired	retire	VERB
fsr-3204	141	685	251	251	NUM
fsr-3204	141	686	17.5	17.5	NUM
fsr-3204	141	687	%	%	NOUN
fsr-3204	141	688	52.6	52.6	NUM
fsr-3204	141	689	%	%	NOUN
fsr-3204	141	690	14.7	14.7	NUM
fsr-3204	141	691	%	%	NOUN
fsr-3204	141	692	1,668	1,668	NUM
fsr-3204	141	693	14.7	14.7	NUM
fsr-3204	141	694	%	%	NOUN
fsr-3204	141	695	42.4	42.4	NUM
fsr-3204	141	696	%	%	NOUN
fsr-3204	141	697	10.0	10.0	NUM
fsr-3204	141	698	%	%	NOUN
fsr-3204	141	699	region	region	NOUN
fsr-3204	141	700	northeast	northeast	ADV
fsr-3204	141	701	436	436	NUM
fsr-3204	141	702	26.8	26.8	NUM
fsr-3204	141	703	%	%	NOUN
fsr-3204	141	704	53.4	53.4	NUM
fsr-3204	141	705	%	%	NOUN
fsr-3204	141	706	21.6	21.6	NUM
fsr-3204	141	707	%	%	NOUN
fsr-3204	141	708	1,613	1,613	NUM
fsr-3204	141	709	21.1	21.1	NUM
fsr-3204	141	710	%	%	NOUN
fsr-3204	141	711	49.3	49.3	NUM
fsr-3204	141	712	%	%	NOUN
fsr-3204	141	713	16.2	16.2	NUM
fsr-3204	141	714	%	%	NOUN
fsr-3204	141	715	midwest	midwest	NOUN
fsr-3204	141	716	669	669	NUM
fsr-3204	141	717	14.5	14.5	NUM
fsr-3204	141	718	%	%	NOUN
fsr-3204	141	719	51.4	51.4	NUM
fsr-3204	141	720	%	%	NOUN
fsr-3204	141	721	11.7	11.7	NUM
fsr-3204	141	722	%	%	NOUN
fsr-3204	141	723	2,116	2,116	NUM
fsr-3204	141	724	14.0	14.0	NUM
fsr-3204	141	725	%	%	NOUN
fsr-3204	141	726	45.4	45.4	NUM
fsr-3204	141	727	%	%	NOUN
fsr-3204	141	728	9.6	9.6	NUM
fsr-3204	141	729	%	%	NOUN
fsr-3204	141	730	south	south	ADJ
fsr-3204	141	731	934	934	NUM
fsr-3204	141	732	21.7	21.7	NUM
fsr-3204	141	733	%	%	NOUN
fsr-3204	141	734	55.6	55.6	NUM
fsr-3204	141	735	%	%	NOUN
fsr-3204	141	736	17.2	17.2	NUM
fsr-3204	141	737	%	%	NOUN
fsr-3204	141	738	2,712	2,712	NUM
fsr-3204	141	739	17.3	17.3	NUM
fsr-3204	141	740	%	%	NOUN
fsr-3204	141	741	52.1	52.1	NUM
fsr-3204	141	742	%	%	NOUN
fsr-3204	141	743	13.5	13.5	NUM
fsr-3204	141	744	%	%	NOUN
fsr-3204	141	745	west	west	NOUN
fsr-3204	141	746	681	681	NUM
fsr-3204	141	747	20.4	20.4	NUM
fsr-3204	141	748	%	%	NOUN
fsr-3204	141	749	54.8	54.8	NUM
fsr-3204	141	750	%	%	NOUN
fsr-3204	141	751	16.0	16.0	NUM
fsr-3204	141	752	%	%	NOUN
fsr-3204	141	753	2,206	2,206	NUM
fsr-3204	141	754	18.4	18.4	NUM
fsr-3204	141	755	%	%	NOUN
fsr-3204	141	756	51.6	51.6	NUM
fsr-3204	141	757	%	%	NOUN
fsr-3204	141	758	13.9	13.9	NUM
fsr-3204	141	759	%	%	NOUN
fsr-3204	141	760	314	314	NUM
fsr-3204	141	761	b.	b.	NOUN
fsr-3204	141	762	balasubramnian	balasubramnian	PROPN
fsr-3204	141	763	et	et	PROPN
fsr-3204	141	764	al	al	PROPN
fsr-3204	141	765	.	.	PUNCT
fsr-3204	141	766	/	/	SYM
fsr-3204	141	767	financial	financial	ADJ
fsr-3204	141	768	services	service	NOUN
fsr-3204	141	769	review	review	VERB
fsr-3204	141	770	23	23	NUM
fsr-3204	141	771	(	(	PUNCT
fsr-3204	141	772	2014	2014	NUM
fsr-3204	141	773	)	)	PUNCT
fsr-3204	141	774	305–324	305–324	NUM
fsr-3204	141	775	table	table	NOUN
fsr-3204	141	776	3	3	NUM
fsr-3204	141	777	continued	continue	VERB
fsr-3204	141	778	panel	panel	NOUN
fsr-3204	141	779	b	b	NOUN
fsr-3204	141	780	:	:	PUNCT
fsr-3204	141	781	mortgage	mortgage	NOUN
fsr-3204	141	782	or	or	CCONJ
fsr-3204	141	783	loan	loan	NOUN
fsr-3204	141	784	and	and	CCONJ
fsr-3204	141	785	insurance	insurance	NOUN
fsr-3204	141	786	mortgage	mortgage	NOUN
fsr-3204	141	787	or	or	CCONJ
fsr-3204	141	788	loan	loan	NOUN
fsr-3204	141	789	insurance	insurance	NOUN
fsr-3204	141	790	#	#	NOUN
fsr-3204	141	791	%	%	NOUN
fsr-3204	141	792	bg	bg	PROPN
fsr-3204	141	793	check	check	NOUN
fsr-3204	141	794	%	%	PROPN
fsr-3204	141	795	�	�	PROPN
fsr-3204	141	796	1	1	NUM
fsr-3204	141	797	adviser	adviser	NOUN
fsr-3204	141	798	do	do	VERB
fsr-3204	141	799	both	both	PRON
fsr-3204	141	800	#	#	NOUN
fsr-3204	141	801	%	%	NOUN
fsr-3204	141	802	bg	bg	PROPN
fsr-3204	141	803	check	check	NOUN
fsr-3204	141	804	%	%	PROPN
fsr-3204	141	805	�	�	PROPN
fsr-3204	141	806	1	1	NUM
fsr-3204	141	807	adviser	adviser	NOUN
fsr-3204	141	808	do	do	VERB
fsr-3204	141	809	both	both	DET
fsr-3204	141	810	gender	gender	NOUN
fsr-3204	141	811	male	male	NOUN
fsr-3204	141	812	3,374	3,374	NUM
fsr-3204	141	813	17.4	17.4	NUM
fsr-3204	141	814	%	%	NOUN
fsr-3204	141	815	52.0	52.0	NUM
fsr-3204	141	816	%	%	NOUN
fsr-3204	141	817	13.6	13.6	NUM
fsr-3204	141	818	%	%	NOUN
fsr-3204	141	819	4,347	4,347	NUM
fsr-3204	141	820	18.8	18.8	NUM
fsr-3204	141	821	%	%	NOUN
fsr-3204	141	822	53.6	53.6	NUM
fsr-3204	141	823	%	%	NOUN
fsr-3204	141	824	14.9	14.9	NUM
fsr-3204	141	825	%	%	NOUN
fsr-3204	141	826	female	female	ADJ
fsr-3204	141	827	3,920	3,920	NUM
fsr-3204	141	828	13.2	13.2	NUM
fsr-3204	141	829	%	%	NOUN
fsr-3204	141	830	46.5	46.5	NUM
fsr-3204	141	831	%	%	NOUN
fsr-3204	141	832	9.4	9.4	NUM
fsr-3204	141	833	%	%	NOUN
fsr-3204	141	834	4,944	4,944	NUM
fsr-3204	141	835	14.7	14.7	NUM
fsr-3204	141	836	%	%	NOUN
fsr-3204	141	837	47.3	47.3	NUM
fsr-3204	141	838	%	%	NOUN
fsr-3204	141	839	10.6	10.6	NUM
fsr-3204	141	840	%	%	NOUN
fsr-3204	141	841	age	age	NOUN
fsr-3204	141	842	18–24	18–24	NUM
fsr-3204	141	843	563	563	NUM
fsr-3204	141	844	16.0	16.0	NUM
fsr-3204	141	845	%	%	NOUN
fsr-3204	141	846	47.4	47.4	NUM
fsr-3204	141	847	%	%	NOUN
fsr-3204	141	848	12.4	12.4	NUM
fsr-3204	141	849	%	%	NOUN
fsr-3204	141	850	694	694	NUM
fsr-3204	141	851	16.4	16.4	NUM
fsr-3204	141	852	%	%	NOUN
fsr-3204	141	853	50.6	50.6	NUM
fsr-3204	141	854	%	%	NOUN
fsr-3204	141	855	12.5	12.5	NUM
fsr-3204	141	856	%	%	NOUN
fsr-3204	141	857	25–34	25–34	NUM
fsr-3204	141	858	1,622	1,622	NUM
fsr-3204	141	859	15.0	15.0	NUM
fsr-3204	141	860	%	%	NOUN
fsr-3204	141	861	50.6	50.6	NUM
fsr-3204	141	862	%	%	NOUN
fsr-3204	141	863	11.0	11.0	NUM
fsr-3204	141	864	%	%	NOUN
fsr-3204	141	865	1,756	1,756	NUM
fsr-3204	141	866	16.5	16.5	NUM
fsr-3204	141	867	%	%	NOUN
fsr-3204	141	868	53.4	53.4	NUM
fsr-3204	141	869	%	%	NOUN
fsr-3204	141	870	12.8	12.8	NUM
fsr-3204	141	871	%	%	NOUN
fsr-3204	141	872	35–44	35–44	NUM
fsr-3204	141	873	1,718	1,718	NUM
fsr-3204	141	874	15.2	15.2	NUM
fsr-3204	141	875	%	%	NOUN
fsr-3204	141	876	51.3	51.3	NUM
fsr-3204	141	877	%	%	NOUN
fsr-3204	141	878	12.1	12.1	NUM
fsr-3204	141	879	%	%	NOUN
fsr-3204	141	880	1,896	1,896	NUM
fsr-3204	141	881	18.2	18.2	NUM
fsr-3204	141	882	%	%	NOUN
fsr-3204	141	883	53.3	53.3	NUM
fsr-3204	141	884	%	%	NOUN
fsr-3204	141	885	14.5	14.5	NUM
fsr-3204	141	886	%	%	NOUN
fsr-3204	141	887	45–54	45–54	NUM
fsr-3204	141	888	1,574	1,574	NUM
fsr-3204	141	889	16.3	16.3	NUM
fsr-3204	141	890	%	%	NOUN
fsr-3204	141	891	49.9	49.9	NUM
fsr-3204	141	892	%	%	NOUN
fsr-3204	141	893	12.5	12.5	NUM
fsr-3204	141	894	%	%	NOUN
fsr-3204	141	895	2,125	2,125	NUM
fsr-3204	141	896	16.6	16.6	NUM
fsr-3204	141	897	%	%	NOUN
fsr-3204	141	898	50.6	50.6	NUM
fsr-3204	141	899	%	%	NOUN
fsr-3204	141	900	12.6	12.6	NUM
fsr-3204	141	901	%	%	NOUN
fsr-3204	141	902	55–64	55–64	NUM
fsr-3204	141	903	1,058	1,058	NUM
fsr-3204	141	904	15.9	15.9	NUM
fsr-3204	141	905	%	%	NOUN
fsr-3204	141	906	47.3	47.3	NUM
fsr-3204	141	907	%	%	NOUN
fsr-3204	141	908	12.0	12.0	NUM
fsr-3204	141	909	%	%	NOUN
fsr-3204	141	910	1,563	1,563	NUM
fsr-3204	141	911	17.7	17.7	NUM
fsr-3204	141	912	%	%	NOUN
fsr-3204	141	913	49.1	49.1	NUM
fsr-3204	141	914	%	%	NOUN
fsr-3204	141	915	13.1	13.1	NUM
fsr-3204	141	916	%	%	NOUN
fsr-3204	141	917	65	65	NUM
fsr-3204	141	918	�	�	PROPN
fsr-3204	141	919	759	759	NUM
fsr-3204	141	920	11.5	11.5	NUM
fsr-3204	141	921	%	%	NOUN
fsr-3204	141	922	42.6	42.6	NUM
fsr-3204	141	923	%	%	NOUN
fsr-3204	141	924	6.5	6.5	NUM
fsr-3204	141	925	%	%	NOUN
fsr-3204	141	926	1,257	1,257	NUM
fsr-3204	141	927	13.2	13.2	NUM
fsr-3204	141	928	%	%	NOUN
fsr-3204	141	929	42.2	42.2	NUM
fsr-3204	141	930	%	%	NOUN
fsr-3204	141	931	9.0	9.0	NUM
fsr-3204	141	932	%	%	NOUN
fsr-3204	141	933	ethnicity	ethnicity	NOUN
fsr-3204	141	934	white	white	VERB
fsr-3204	141	935	5,662	5,662	NUM
fsr-3204	141	936	13.4	13.4	NUM
fsr-3204	141	937	%	%	NOUN
fsr-3204	141	938	46.7	46.7	NUM
fsr-3204	141	939	%	%	NOUN
fsr-3204	141	940	9.6	9.6	NUM
fsr-3204	141	941	%	%	NOUN
fsr-3204	141	942	7,116	7,116	NUM
fsr-3204	141	943	15.1	15.1	NUM
fsr-3204	141	944	%	%	NOUN
fsr-3204	141	945	47.8	47.8	NUM
fsr-3204	141	946	%	%	NOUN
fsr-3204	141	947	11.0	11.0	NUM
fsr-3204	141	948	%	%	NOUN
fsr-3204	141	949	black	black	ADJ
fsr-3204	141	950	1,632	1,632	NUM
fsr-3204	141	951	21.2	21.2	NUM
fsr-3204	141	952	%	%	NOUN
fsr-3204	141	953	57.2	57.2	NUM
fsr-3204	141	954	%	%	NOUN
fsr-3204	141	955	17.5	17.5	NUM
fsr-3204	141	956	%	%	NOUN
fsr-3204	141	957	2,175	2,175	NUM
fsr-3204	141	958	21.6	21.6	NUM
fsr-3204	141	959	%	%	NOUN
fsr-3204	141	960	58.3	58.3	NUM
fsr-3204	141	961	%	%	NOUN
fsr-3204	141	962	18.0	18.0	NUM
fsr-3204	141	963	%	%	NOUN
fsr-3204	141	964	education	education	NOUN
fsr-3204	141	965	�	�	PROPN
fsr-3204	141	966	high	high	ADJ
fsr-3204	141	967	school	school	NOUN
fsr-3204	141	968	91	91	NUM
fsr-3204	141	969	8.8	8.8	NUM
fsr-3204	141	970	%	%	NOUN
fsr-3204	141	971	35.2	35.2	NUM
fsr-3204	141	972	%	%	NOUN
fsr-3204	141	973	4.4	4.4	NUM
fsr-3204	141	974	%	%	NOUN
fsr-3204	141	975	153	153	NUM
fsr-3204	141	976	11.1	11.1	NUM
fsr-3204	141	977	%	%	NOUN
fsr-3204	141	978	34.6	34.6	NUM
fsr-3204	141	979	%	%	NOUN
fsr-3204	141	980	7.2	7.2	NUM
fsr-3204	141	981	%	%	NOUN
fsr-3204	141	982	high	high	ADJ
fsr-3204	141	983	school	school	NOUN
fsr-3204	141	984	1,213	1,213	NUM
fsr-3204	141	985	12.4	12.4	NUM
fsr-3204	141	986	%	%	NOUN
fsr-3204	141	987	45.6	45.6	NUM
fsr-3204	141	988	%	%	NOUN
fsr-3204	141	989	9.3	9.3	NUM
fsr-3204	141	990	%	%	NOUN
fsr-3204	141	991	1,701	1,701	NUM
fsr-3204	141	992	12.6	12.6	NUM
fsr-3204	141	993	%	%	NOUN
fsr-3204	141	994	47.5	47.5	NUM
fsr-3204	141	995	%	%	NOUN
fsr-3204	141	996	9.6	9.6	NUM
fsr-3204	141	997	%	%	NOUN
fsr-3204	141	998	some	some	DET
fsr-3204	141	999	college	college	NOUN
fsr-3204	141	1000	2,430	2,430	NUM
fsr-3204	141	1001	14.4	14.4	NUM
fsr-3204	141	1002	%	%	NOUN
fsr-3204	141	1003	50.0	50.0	NUM
fsr-3204	141	1004	%	%	NOUN
fsr-3204	141	1005	10.9	10.9	NUM
fsr-3204	141	1006	%	%	NOUN
fsr-3204	141	1007	3,168	3,168	NUM
fsr-3204	141	1008	15.0	15.0	NUM
fsr-3204	141	1009	%	%	NOUN
fsr-3204	141	1010	51.0	51.0	NUM
fsr-3204	141	1011	%	%	NOUN
fsr-3204	141	1012	11.4	11.4	NUM
fsr-3204	141	1013	%	%	NOUN
fsr-3204	141	1014	college	college	NOUN
fsr-3204	141	1015	graduate	graduate	NOUN
fsr-3204	141	1016	2,160	2,160	NUM
fsr-3204	141	1017	16.0	16.0	NUM
fsr-3204	141	1018	%	%	NOUN
fsr-3204	141	1019	49.9	49.9	NUM
fsr-3204	141	1020	%	%	NOUN
fsr-3204	141	1021	12.0	12.0	NUM
fsr-3204	141	1022	%	%	NOUN
fsr-3204	141	1023	2,564	2,564	NUM
fsr-3204	141	1024	18.4	18.4	NUM
fsr-3204	141	1025	%	%	NOUN
fsr-3204	141	1026	51.1	51.1	NUM
fsr-3204	141	1027	%	%	NOUN
fsr-3204	141	1028	14.3	14.3	NUM
fsr-3204	141	1029	%	%	NOUN
fsr-3204	141	1030	post	post	NOUN
fsr-3204	141	1031	graduate	graduate	NOUN
fsr-3204	141	1032	1,400	1,400	NUM
fsr-3204	141	1033	17.9	17.9	NUM
fsr-3204	141	1034	%	%	NOUN
fsr-3204	141	1035	49.9	49.9	NUM
fsr-3204	141	1036	%	%	NOUN
fsr-3204	141	1037	13.3	13.3	NUM
fsr-3204	141	1038	%	%	NOUN
fsr-3204	141	1039	1,705	1,705	NUM
fsr-3204	141	1040	21.5	21.5	NUM
fsr-3204	141	1041	%	%	NOUN
fsr-3204	141	1042	51.8	51.8	NUM
fsr-3204	141	1043	%	%	NOUN
fsr-3204	141	1044	15.9	15.9	NUM
fsr-3204	141	1045	%	%	NOUN
fsr-3204	141	1046	marital	marital	ADJ
fsr-3204	141	1047	status	status	NOUN
fsr-3204	141	1048	married	marry	VERB
fsr-3204	141	1049	5,014	5,014	NUM
fsr-3204	141	1050	14.3	14.3	NUM
fsr-3204	141	1051	%	%	NOUN
fsr-3204	141	1052	48.4	48.4	NUM
fsr-3204	141	1053	%	%	NOUN
fsr-3204	141	1054	10.5	10.5	NUM
fsr-3204	141	1055	%	%	NOUN
fsr-3204	141	1056	5,988	5,988	NUM
fsr-3204	141	1057	16.4	16.4	NUM
fsr-3204	141	1058	%	%	NOUN
fsr-3204	141	1059	49.7	49.7	NUM
fsr-3204	141	1060	%	%	NOUN
fsr-3204	141	1061	12.4	12.4	NUM
fsr-3204	141	1062	%	%	NOUN
fsr-3204	141	1063	single	single	ADJ
fsr-3204	141	1064	1,264	1,264	NUM
fsr-3204	141	1065	18.2	18.2	NUM
fsr-3204	141	1066	%	%	NOUN
fsr-3204	141	1067	52.6	52.6	NUM
fsr-3204	141	1068	%	%	NOUN
fsr-3204	141	1069	14.4	14.4	NUM
fsr-3204	141	1070	%	%	NOUN
fsr-3204	141	1071	1,789	1,789	NUM
fsr-3204	141	1072	17.7	17.7	NUM
fsr-3204	141	1073	%	%	NOUN
fsr-3204	141	1074	53.7	53.7	NUM
fsr-3204	141	1075	%	%	NOUN
fsr-3204	141	1076	13.9	13.9	NUM
fsr-3204	141	1077	%	%	NOUN
fsr-3204	141	1078	separated	separate	VERB
fsr-3204	141	1079	103	103	NUM
fsr-3204	141	1080	18.4	18.4	NUM
fsr-3204	141	1081	%	%	NOUN
fsr-3204	141	1082	49.5	49.5	NUM
fsr-3204	141	1083	%	%	NOUN
fsr-3204	141	1084	14.6	14.6	NUM
fsr-3204	141	1085	%	%	NOUN
fsr-3204	141	1086	131	131	NUM
fsr-3204	141	1087	19.1	19.1	NUM
fsr-3204	141	1088	%	%	NOUN
fsr-3204	141	1089	50.4	50.4	NUM
fsr-3204	141	1090	%	%	NOUN
fsr-3204	141	1091	13.0	13.0	NUM
fsr-3204	141	1092	%	%	NOUN
fsr-3204	141	1093	divorced	divorce	VERB
fsr-3204	141	1094	684	684	NUM
fsr-3204	141	1095	14.9	14.9	NUM
fsr-3204	141	1096	%	%	NOUN
fsr-3204	141	1097	49.1	49.1	NUM
fsr-3204	141	1098	%	%	NOUN
fsr-3204	141	1099	11.4	11.4	NUM
fsr-3204	141	1100	%	%	NOUN
fsr-3204	141	1101	1,016	1,016	NUM
fsr-3204	141	1102	15.3	15.3	NUM
fsr-3204	141	1103	%	%	NOUN
fsr-3204	141	1104	49.3	49.3	NUM
fsr-3204	141	1105	%	%	NOUN
fsr-3204	141	1106	11.5	11.5	NUM
fsr-3204	141	1107	%	%	NOUN
fsr-3204	141	1108	widowed	widow	VERB
fsr-3204	141	1109	229	229	NUM
fsr-3204	141	1110	16.2	16.2	NUM
fsr-3204	141	1111	%	%	NOUN
fsr-3204	141	1112	43.2	43.2	NUM
fsr-3204	141	1113	%	%	NOUN
fsr-3204	141	1114	11.4	11.4	NUM
fsr-3204	141	1115	%	%	NOUN
fsr-3204	141	1116	367	367	NUM
fsr-3204	141	1117	17.2	17.2	NUM
fsr-3204	141	1118	%	%	NOUN
fsr-3204	141	1119	45.8	45.8	NUM
fsr-3204	141	1120	%	%	NOUN
fsr-3204	141	1121	12.5	12.5	NUM
fsr-3204	141	1122	%	%	NOUN
fsr-3204	141	1123	income	income	NOUN
fsr-3204	141	1124	�	�	NOUN
fsr-3204	141	1125	$	$	SYM
fsr-3204	141	1126	15,000	15,000	NUM
fsr-3204	141	1127	331	331	NUM
fsr-3204	141	1128	15.7	15.7	NUM
fsr-3204	141	1129	%	%	NOUN
fsr-3204	141	1130	47.7	47.7	NUM
fsr-3204	141	1131	%	%	NOUN
fsr-3204	141	1132	11.5	11.5	NUM
fsr-3204	141	1133	%	%	NOUN
fsr-3204	141	1134	625	625	NUM
fsr-3204	141	1135	12.8	12.8	NUM
fsr-3204	141	1136	%	%	NOUN
fsr-3204	141	1137	47.0	47.0	NUM
fsr-3204	141	1138	%	%	NOUN
fsr-3204	141	1139	9.8	9.8	NUM
fsr-3204	141	1140	%	%	NOUN
fsr-3204	141	1141	$	$	SYM
fsr-3204	141	1142	15k–$24,999	15k–$24,999	NUM
fsr-3204	141	1143	552	552	NUM
fsr-3204	141	1144	13.4	13.4	NUM
fsr-3204	141	1145	%	%	NOUN
fsr-3204	141	1146	47.6	47.6	NUM
fsr-3204	141	1147	%	%	NOUN
fsr-3204	141	1148	10.3	10.3	NUM
fsr-3204	141	1149	%	%	NOUN
fsr-3204	141	1150	897	897	NUM
fsr-3204	141	1151	12.9	12.9	NUM
fsr-3204	141	1152	%	%	NOUN
fsr-3204	141	1153	46.9	46.9	NUM
fsr-3204	141	1154	%	%	NOUN
fsr-3204	141	1155	9.8	9.8	NUM
fsr-3204	141	1156	%	%	NOUN
fsr-3204	141	1157	$	$	SYM
fsr-3204	141	1158	25k–$34,999	25k–$34,999	NUM
fsr-3204	141	1159	676	676	NUM
fsr-3204	141	1160	12.9	12.9	NUM
fsr-3204	141	1161	%	%	NOUN
fsr-3204	141	1162	46.6	46.6	NUM
fsr-3204	141	1163	%	%	NOUN
fsr-3204	141	1164	9.5	9.5	NUM
fsr-3204	141	1165	%	%	NOUN
fsr-3204	141	1166	1,019	1,019	NUM
fsr-3204	141	1167	12.9	12.9	NUM
fsr-3204	141	1168	%	%	NOUN
fsr-3204	141	1169	50.2	50.2	NUM
fsr-3204	141	1170	%	%	NOUN
fsr-3204	141	1171	10.1	10.1	NUM
fsr-3204	141	1172	%	%	NOUN
fsr-3204	141	1173	$	$	SYM
fsr-3204	141	1174	35k–$49,999	35k–$49,999	NUM
fsr-3204	141	1175	1,165	1,165	NUM
fsr-3204	141	1176	13.9	13.9	NUM
fsr-3204	141	1177	%	%	NOUN
fsr-3204	141	1178	48.1	48.1	NUM
fsr-3204	141	1179	%	%	NOUN
fsr-3204	141	1180	10.6	10.6	NUM
fsr-3204	141	1181	%	%	NOUN
fsr-3204	141	1182	1,494	1,494	NUM
fsr-3204	141	1183	15.7	15.7	NUM
fsr-3204	141	1184	%	%	NOUN
fsr-3204	141	1185	49.6	49.6	NUM
fsr-3204	141	1186	%	%	NOUN
fsr-3204	141	1187	11.8	11.8	NUM
fsr-3204	141	1188	%	%	NOUN
fsr-3204	141	1189	$	$	SYM
fsr-3204	141	1190	50k–$74,999	50k–$74,999	NUM
fsr-3204	141	1191	1,684	1,684	NUM
fsr-3204	141	1192	13.5	13.5	NUM
fsr-3204	141	1193	%	%	NOUN
fsr-3204	141	1194	49.3	49.3	NUM
fsr-3204	141	1195	%	%	NOUN
fsr-3204	141	1196	9.8	9.8	NUM
fsr-3204	141	1197	%	%	NOUN
fsr-3204	141	1198	1,954	1,954	NUM
fsr-3204	141	1199	16.6	16.6	NUM
fsr-3204	141	1200	%	%	NOUN
fsr-3204	141	1201	51.1	51.1	NUM
fsr-3204	141	1202	%	%	NOUN
fsr-3204	141	1203	11.9	11.9	NUM
fsr-3204	141	1204	%	%	NOUN
fsr-3204	141	1205	$	$	SYM
fsr-3204	141	1206	75k–$99,999	75k–$99,999	NUM
fsr-3204	141	1207	1,163	1,163	NUM
fsr-3204	141	1208	17.3	17.3	NUM
fsr-3204	141	1209	%	%	NOUN
fsr-3204	141	1210	48.9	48.9	NUM
fsr-3204	141	1211	%	%	NOUN
fsr-3204	141	1212	13.2	13.2	NUM
fsr-3204	141	1213	%	%	NOUN
fsr-3204	141	1214	1,305	1,305	NUM
fsr-3204	141	1215	18.8	18.8	NUM
fsr-3204	141	1216	%	%	NOUN
fsr-3204	141	1217	51.5	51.5	NUM
fsr-3204	141	1218	%	%	NOUN
fsr-3204	141	1219	14.6	14.6	NUM
fsr-3204	141	1220	%	%	NOUN
fsr-3204	141	1221	$	$	SYM
fsr-3204	141	1222	100k–$149,000	100k–$149,000	NUM
fsr-3204	141	1223	1,081	1,081	NUM
fsr-3204	141	1224	16.4	16.4	NUM
fsr-3204	141	1225	%	%	NOUN
fsr-3204	141	1226	50.7	50.7	NUM
fsr-3204	141	1227	%	%	NOUN
fsr-3204	141	1228	12.3	12.3	NUM
fsr-3204	141	1229	%	%	NOUN
fsr-3204	141	1230	1,203	1,203	NUM
fsr-3204	141	1231	19.5	19.5	NUM
fsr-3204	141	1232	%	%	NOUN
fsr-3204	141	1233	49.7	49.7	NUM
fsr-3204	141	1234	%	%	NOUN
fsr-3204	141	1235	15.2	15.2	NUM
fsr-3204	141	1236	%	%	NOUN
fsr-3204	141	1237	�	�	NOUN
fsr-3204	141	1238	$	$	SYM
fsr-3204	141	1239	150,000	150,000	NUM
fsr-3204	141	1240	642	642	NUM
fsr-3204	141	1241	19.5	19.5	NUM
fsr-3204	141	1242	%	%	NOUN
fsr-3204	141	1243	52.0	52.0	NUM
fsr-3204	141	1244	%	%	NOUN
fsr-3204	141	1245	14.6	14.6	NUM
fsr-3204	141	1246	%	%	NOUN
fsr-3204	141	1247	794	794	NUM
fsr-3204	141	1248	22.8	22.8	NUM
fsr-3204	141	1249	%	%	NOUN
fsr-3204	141	1250	54.7	54.7	NUM
fsr-3204	141	1251	%	%	NOUN
fsr-3204	141	1252	17.1	17.1	NUM
fsr-3204	141	1253	%	%	NOUN
fsr-3204	141	1254	employment	employment	NOUN
fsr-3204	141	1255	self	self	NOUN
fsr-3204	141	1256	employed	employ	VERB
fsr-3204	141	1257	793	793	NUM
fsr-3204	141	1258	21.2	21.2	NUM
fsr-3204	141	1259	%	%	NOUN
fsr-3204	141	1260	54.9	54.9	NUM
fsr-3204	141	1261	%	%	NOUN
fsr-3204	141	1262	15.9	15.9	NUM
fsr-3204	141	1263	%	%	NOUN
fsr-3204	141	1264	1,037	1,037	NUM
fsr-3204	141	1265	22.1	22.1	NUM
fsr-3204	141	1266	%	%	NOUN
fsr-3204	141	1267	55.5	55.5	NUM
fsr-3204	141	1268	%	%	NOUN
fsr-3204	141	1269	16.3	16.3	NUM
fsr-3204	141	1270	%	%	NOUN
fsr-3204	141	1271	full	full	ADJ
fsr-3204	141	1272	-	-	PUNCT
fsr-3204	141	1273	time	time	NOUN
fsr-3204	142	1	3,552	3,552	NUM
fsr-3204	142	2	14.6	14.6	NUM
fsr-3204	142	3	%	%	NOUN
fsr-3204	142	4	48.5	48.5	NUM
fsr-3204	142	5	%	%	NOUN
fsr-3204	142	6	11.5	11.5	NUM
fsr-3204	142	7	%	%	NOUN
fsr-3204	142	8	3,967	3,967	NUM
fsr-3204	142	9	17.2	17.2	NUM
fsr-3204	142	10	%	%	NOUN
fsr-3204	142	11	51.1	51.1	NUM
fsr-3204	142	12	%	%	NOUN
fsr-3204	142	13	13.7	13.7	NUM
fsr-3204	142	14	%	%	NOUN
fsr-3204	142	15	part	part	NOUN
fsr-3204	142	16	-	-	PUNCT
fsr-3204	142	17	time	time	NOUN
fsr-3204	142	18	559	559	NUM
fsr-3204	142	19	13.1	13.1	NUM
fsr-3204	142	20	%	%	NOUN
fsr-3204	142	21	48.3	48.3	NUM
fsr-3204	142	22	%	%	NOUN
fsr-3204	142	23	10.6	10.6	NUM
fsr-3204	142	24	%	%	NOUN
fsr-3204	142	25	839	839	NUM
fsr-3204	142	26	13.6	13.6	NUM
fsr-3204	142	27	%	%	NOUN
fsr-3204	142	28	47.3	47.3	NUM
fsr-3204	142	29	%	%	NOUN
fsr-3204	142	30	10.6	10.6	NUM
fsr-3204	142	31	%	%	NOUN
fsr-3204	142	32	homemaker	homemaker	NOUN
fsr-3204	142	33	647	647	NUM
fsr-3204	142	34	12.7	12.7	NUM
fsr-3204	142	35	%	%	NOUN
fsr-3204	142	36	48.5	48.5	NUM
fsr-3204	142	37	%	%	NOUN
fsr-3204	142	38	9.4	9.4	NUM
fsr-3204	142	39	%	%	NOUN
fsr-3204	142	40	758	758	NUM
fsr-3204	142	41	13.5	13.5	NUM
fsr-3204	142	42	%	%	NOUN
fsr-3204	142	43	49.9	49.9	NUM
fsr-3204	142	44	%	%	NOUN
fsr-3204	142	45	10.0	10.0	NUM
fsr-3204	142	46	%	%	NOUN
fsr-3204	142	47	student	student	NOUN
fsr-3204	142	48	219	219	NUM
fsr-3204	142	49	18.3	18.3	NUM
fsr-3204	142	50	%	%	NOUN
fsr-3204	142	51	53.4	53.4	NUM
fsr-3204	142	52	%	%	NOUN
fsr-3204	142	53	14.6	14.6	NUM
fsr-3204	142	54	%	%	NOUN
fsr-3204	142	55	293	293	NUM
fsr-3204	142	56	17.1	17.1	NUM
fsr-3204	142	57	%	%	NOUN
fsr-3204	142	58	58.4	58.4	NUM
fsr-3204	142	59	%	%	NOUN
fsr-3204	142	60	13.7	13.7	NUM
fsr-3204	142	61	%	%	NOUN
fsr-3204	142	62	disabled	disabled	ADJ
fsr-3204	142	63	195	195	NUM
fsr-3204	142	64	18.5	18.5	NUM
fsr-3204	142	65	%	%	NOUN
fsr-3204	142	66	48.2	48.2	NUM
fsr-3204	142	67	%	%	NOUN
fsr-3204	142	68	10.8	10.8	NUM
fsr-3204	142	69	%	%	NOUN
fsr-3204	142	70	310	310	NUM
fsr-3204	142	71	15.8	15.8	NUM
fsr-3204	142	72	%	%	NOUN
fsr-3204	142	73	45.5	45.5	NUM
fsr-3204	142	74	%	%	NOUN
fsr-3204	142	75	9.4	9.4	NUM
fsr-3204	142	76	%	%	NOUN
fsr-3204	142	77	unemployed	unemployed	ADJ
fsr-3204	142	78	464	464	NUM
fsr-3204	142	79	16.4	16.4	NUM
fsr-3204	142	80	%	%	NOUN
fsr-3204	142	81	51.5	51.5	NUM
fsr-3204	142	82	%	%	NOUN
fsr-3204	142	83	11.0	11.0	NUM
fsr-3204	142	84	%	%	NOUN
fsr-3204	142	85	646	646	NUM
fsr-3204	142	86	16.9	16.9	NUM
fsr-3204	142	87	%	%	NOUN
fsr-3204	142	88	53.7	53.7	NUM
fsr-3204	142	89	%	%	NOUN
fsr-3204	142	90	12.5	12.5	NUM
fsr-3204	142	91	%	%	NOUN
fsr-3204	142	92	retired	retire	VERB
fsr-3204	142	93	865	865	NUM
fsr-3204	142	94	13.2	13.2	NUM
fsr-3204	142	95	%	%	NOUN
fsr-3204	142	96	44.7	44.7	NUM
fsr-3204	142	97	%	%	NOUN
fsr-3204	142	98	8.3	8.3	NUM
fsr-3204	142	99	%	%	NOUN
fsr-3204	142	100	1,441	1,441	NUM
fsr-3204	142	101	14.6	14.6	NUM
fsr-3204	142	102	%	%	NOUN
fsr-3204	142	103	44.0	44.0	NUM
fsr-3204	142	104	%	%	NOUN
fsr-3204	142	105	10.1	10.1	NUM
fsr-3204	142	106	%	%	NOUN
fsr-3204	142	107	region	region	NOUN
fsr-3204	142	108	northeast	northeast	ADV
fsr-3204	142	109	1,195	1,195	NUM
fsr-3204	142	110	18.6	18.6	NUM
fsr-3204	142	111	%	%	NOUN
fsr-3204	142	112	48.2	48.2	NUM
fsr-3204	142	113	%	%	NOUN
fsr-3204	142	114	14.5	14.5	NUM
fsr-3204	142	115	%	%	NOUN
fsr-3204	142	116	1,535	1,535	NUM
fsr-3204	142	117	19.9	19.9	NUM
fsr-3204	142	118	%	%	NOUN
fsr-3204	142	119	49.1	49.1	NUM
fsr-3204	142	120	%	%	NOUN
fsr-3204	142	121	15.8	15.8	NUM
fsr-3204	142	122	%	%	NOUN
fsr-3204	142	123	midwest	midwest	NOUN
fsr-3204	142	124	1,689	1,689	NUM
fsr-3204	142	125	12.1	12.1	NUM
fsr-3204	142	126	%	%	NOUN
fsr-3204	142	127	44.6	44.6	NUM
fsr-3204	142	128	%	%	NOUN
fsr-3204	142	129	8.5	8.5	NUM
fsr-3204	142	130	%	%	NOUN
fsr-3204	142	131	2,262	2,262	NUM
fsr-3204	142	132	13.3	13.3	NUM
fsr-3204	142	133	%	%	NOUN
fsr-3204	142	134	45.9	45.9	NUM
fsr-3204	142	135	%	%	NOUN
fsr-3204	142	136	9.3	9.3	NUM
fsr-3204	142	137	%	%	NOUN
fsr-3204	142	138	south	south	NOUN
fsr-3204	142	139	2,361	2,361	NUM
fsr-3204	142	140	15.0	15.0	NUM
fsr-3204	142	141	%	%	NOUN
fsr-3204	142	142	50.7	50.7	NUM
fsr-3204	142	143	%	%	NOUN
fsr-3204	142	144	11.6	11.6	NUM
fsr-3204	142	145	%	%	NOUN
fsr-3204	142	146	3,025	3,025	NUM
fsr-3204	142	147	16.5	16.5	NUM
fsr-3204	142	148	%	%	NOUN
fsr-3204	142	149	52.5	52.5	NUM
fsr-3204	142	150	%	%	NOUN
fsr-3204	142	151	13.0	13.0	NUM
fsr-3204	142	152	%	%	NOUN
fsr-3204	142	153	west	west	NOUN
fsr-3204	142	154	2,049	2,049	NUM
fsr-3204	142	155	15.9	15.9	NUM
fsr-3204	142	156	%	%	NOUN
fsr-3204	142	157	51.3	51.3	NUM
fsr-3204	142	158	%	%	NOUN
fsr-3204	142	159	11.7	11.7	NUM
fsr-3204	142	160	%	%	NOUN
fsr-3204	142	161	2,469	2,469	NUM
fsr-3204	142	162	17.8	17.8	NUM
fsr-3204	142	163	%	%	NOUN
fsr-3204	142	164	52.3	52.3	NUM
fsr-3204	142	165	%	%	NOUN
fsr-3204	142	166	13.2	13.2	NUM
fsr-3204	142	167	%	%	NOUN
fsr-3204	142	168	315b	315b	NOUN
fsr-3204	142	169	.	.	PUNCT
fsr-3204	143	1	balasubramnian	balasubramnian	PROPN
fsr-3204	143	2	et	et	PROPN
fsr-3204	143	3	al	al	PROPN
fsr-3204	143	4	.	.	PUNCT
fsr-3204	143	5	/	/	SYM
fsr-3204	143	6	financial	financial	ADJ
fsr-3204	143	7	services	service	NOUN
fsr-3204	143	8	review	review	VERB
fsr-3204	143	9	23	23	NUM
fsr-3204	143	10	(	(	PUNCT
fsr-3204	143	11	2014	2014	NUM
fsr-3204	143	12	)	)	PUNCT
fsr-3204	143	13	305–324	305–324	NUM
fsr-3204	143	14	table	table	NOUN
fsr-3204	143	15	3	3	NUM
fsr-3204	143	16	continued	continue	VERB
fsr-3204	143	17	panel	panel	NOUN
fsr-3204	143	18	c	c	NOUN
fsr-3204	143	19	:	:	PUNCT
fsr-3204	143	20	tax	tax	NOUN
fsr-3204	143	21	planning	planning	NOUN
fsr-3204	143	22	tax	tax	NOUN
fsr-3204	143	23	planning	planning	NOUN
fsr-3204	143	24	#	#	NOUN
fsr-3204	143	25	%	%	NOUN
fsr-3204	143	26	bg	bg	PROPN
fsr-3204	143	27	check	check	NOUN
fsr-3204	143	28	%	%	PROPN
fsr-3204	143	29	�	�	PROPN
fsr-3204	143	30	1	1	NUM
fsr-3204	143	31	adviser	adviser	NOUN
fsr-3204	143	32	do	do	VERB
fsr-3204	143	33	both	both	DET
fsr-3204	143	34	gender	gender	NOUN
fsr-3204	143	35	male	male	NOUN
fsr-3204	143	36	2,457	2,457	NUM
fsr-3204	143	37	23.8	23.8	NUM
fsr-3204	143	38	%	%	NOUN
fsr-3204	143	39	56.0	56.0	NUM
fsr-3204	143	40	%	%	NOUN
fsr-3204	143	41	18.8	18.8	NUM
fsr-3204	143	42	%	%	NOUN
fsr-3204	143	43	female	female	ADJ
fsr-3204	143	44	2,603	2,603	NUM
fsr-3204	143	45	18.3	18.3	NUM
fsr-3204	143	46	%	%	NOUN
fsr-3204	143	47	49.6	49.6	NUM
fsr-3204	143	48	%	%	NOUN
fsr-3204	143	49	13.3	13.3	NUM
fsr-3204	143	50	%	%	NOUN
fsr-3204	143	51	age	age	NOUN
fsr-3204	143	52	18–24	18–24	NUM
fsr-3204	143	53	383	383	NUM
fsr-3204	143	54	23.0	23.0	NUM
fsr-3204	143	55	%	%	NOUN
fsr-3204	143	56	53.0	53.0	NUM
fsr-3204	143	57	%	%	NOUN
fsr-3204	143	58	17.5	17.5	NUM
fsr-3204	143	59	%	%	NOUN
fsr-3204	143	60	25–34	25–34	NUM
fsr-3204	143	61	905	905	NUM
fsr-3204	143	62	23.5	23.5	NUM
fsr-3204	143	63	%	%	NOUN
fsr-3204	143	64	56.5	56.5	NUM
fsr-3204	143	65	%	%	NOUN
fsr-3204	143	66	18.0	18.0	NUM
fsr-3204	143	67	%	%	NOUN
fsr-3204	143	68	35–44	35–44	NUM
fsr-3204	143	69	959	959	NUM
fsr-3204	143	70	22.7	22.7	NUM
fsr-3204	143	71	%	%	NOUN
fsr-3204	143	72	55.5	55.5	NUM
fsr-3204	143	73	%	%	NOUN
fsr-3204	143	74	18.1	18.1	NUM
fsr-3204	143	75	%	%	NOUN
fsr-3204	143	76	45–54	45–54	NUM
fsr-3204	143	77	1,034	1,034	NUM
fsr-3204	143	78	21.3	21.3	NUM
fsr-3204	143	79	%	%	NOUN
fsr-3204	143	80	55.1	55.1	NUM
fsr-3204	143	81	%	%	NOUN
fsr-3204	143	82	16.6	16.6	NUM
fsr-3204	143	83	%	%	NOUN
fsr-3204	143	84	55–64	55–64	NUM
fsr-3204	143	85	903	903	NUM
fsr-3204	143	86	19.6	19.6	NUM
fsr-3204	143	87	%	%	NOUN
fsr-3204	143	88	51.6	51.6	NUM
fsr-3204	143	89	%	%	NOUN
fsr-3204	143	90	15.0	15.0	NUM
fsr-3204	143	91	%	%	NOUN
fsr-3204	143	92	65	65	NUM
fsr-3204	143	93	�	�	PROPN
fsr-3204	143	94	876	876	NUM
fsr-3204	143	95	16.7	16.7	NUM
fsr-3204	143	96	%	%	NOUN
fsr-3204	143	97	44.1	44.1	NUM
fsr-3204	143	98	%	%	NOUN
fsr-3204	143	99	11.1	11.1	NUM
fsr-3204	143	100	%	%	NOUN
fsr-3204	143	101	ethnicity	ethnicity	NOUN
fsr-3204	143	102	white	white	ADJ
fsr-3204	143	103	3,937	3,937	NUM
fsr-3204	143	104	18.5	18.5	NUM
fsr-3204	143	105	%	%	NOUN
fsr-3204	143	106	49.8	49.8	NUM
fsr-3204	143	107	%	%	NOUN
fsr-3204	143	108	13.4	13.4	NUM
fsr-3204	143	109	%	%	NOUN
fsr-3204	143	110	black	black	ADJ
fsr-3204	143	111	1,123	1,123	NUM
fsr-3204	143	112	29.6	29.6	NUM
fsr-3204	143	113	%	%	NOUN
fsr-3204	143	114	62.9	62.9	NUM
fsr-3204	143	115	%	%	NOUN
fsr-3204	143	116	25.0	25.0	NUM
fsr-3204	143	117	%	%	NOUN
fsr-3204	143	118	education	education	NOUN
fsr-3204	143	119	�	�	PROPN
fsr-3204	143	120	high	high	ADJ
fsr-3204	143	121	school	school	NOUN
fsr-3204	143	122	56	56	NUM
fsr-3204	143	123	19.6	19.6	NUM
fsr-3204	143	124	%	%	NOUN
fsr-3204	143	125	33.9	33.9	NUM
fsr-3204	143	126	%	%	NOUN
fsr-3204	143	127	10.7	10.7	NUM
fsr-3204	143	128	%	%	NOUN
fsr-3204	143	129	high	high	ADJ
fsr-3204	143	130	school	school	NOUN
fsr-3204	143	131	713	713	NUM
fsr-3204	143	132	19.1	19.1	NUM
fsr-3204	143	133	%	%	NOUN
fsr-3204	143	134	48.8	48.8	NUM
fsr-3204	143	135	%	%	NOUN
fsr-3204	143	136	15.1	15.1	NUM
fsr-3204	143	137	%	%	NOUN
fsr-3204	143	138	some	some	DET
fsr-3204	143	139	college	college	NOUN
fsr-3204	143	140	1,522	1,522	NUM
fsr-3204	143	141	19.6	19.6	NUM
fsr-3204	143	142	%	%	NOUN
fsr-3204	143	143	55.0	55.0	NUM
fsr-3204	143	144	%	%	NOUN
fsr-3204	143	145	14.5	14.5	NUM
fsr-3204	143	146	%	%	NOUN
fsr-3204	143	147	college	college	NOUN
fsr-3204	143	148	graduate	graduate	NOUN
fsr-3204	143	149	1,521	1,521	NUM
fsr-3204	143	150	21.4	21.4	NUM
fsr-3204	143	151	%	%	NOUN
fsr-3204	143	152	52.5	52.5	NUM
fsr-3204	143	153	%	%	NOUN
fsr-3204	143	154	16.2	16.2	NUM
fsr-3204	143	155	%	%	NOUN
fsr-3204	143	156	post	post	NOUN
fsr-3204	143	157	graduate	graduate	VERB
fsr-3204	143	158	1,248	1,248	NUM
fsr-3204	143	159	23.2	23.2	NUM
fsr-3204	143	160	%	%	NOUN
fsr-3204	143	161	53.4	53.4	NUM
fsr-3204	143	162	%	%	NOUN
fsr-3204	143	163	18.2	18.2	NUM
fsr-3204	143	164	%	%	NOUN
fsr-3204	143	165	marital	marital	ADJ
fsr-3204	143	166	status	status	NOUN
fsr-3204	143	167	married	marry	VERB
fsr-3204	143	168	3,496	3,496	NUM
fsr-3204	143	169	19.9	19.9	NUM
fsr-3204	143	170	%	%	NOUN
fsr-3204	143	171	52.4	52.4	NUM
fsr-3204	143	172	%	%	NOUN
fsr-3204	143	173	15.0	15.0	NUM
fsr-3204	143	174	%	%	NOUN
fsr-3204	143	175	single	single	ADJ
fsr-3204	143	176	867	867	NUM
fsr-3204	143	177	24.8	24.8	NUM
fsr-3204	143	178	%	%	NOUN
fsr-3204	143	179	56.2	56.2	NUM
fsr-3204	143	180	%	%	NOUN
fsr-3204	143	181	19.4	19.4	NUM
fsr-3204	143	182	%	%	NOUN
fsr-3204	143	183	separated	separate	VERB
fsr-3204	143	184	58	58	NUM
fsr-3204	143	185	34.5	34.5	NUM
fsr-3204	143	186	%	%	NOUN
fsr-3204	143	187	55.2	55.2	NUM
fsr-3204	143	188	%	%	NOUN
fsr-3204	143	189	25.9	25.9	NUM
fsr-3204	143	190	%	%	NOUN
fsr-3204	143	191	divorced	divorce	VERB
fsr-3204	143	192	425	425	NUM
fsr-3204	143	193	20.5	20.5	NUM
fsr-3204	143	194	%	%	NOUN
fsr-3204	143	195	52.9	52.9	NUM
fsr-3204	143	196	%	%	NOUN
fsr-3204	143	197	16.2	16.2	NUM
fsr-3204	143	198	%	%	NOUN
fsr-3204	143	199	widowed	widow	VERB
fsr-3204	143	200	214	214	NUM
fsr-3204	143	201	21.5	21.5	NUM
fsr-3204	143	202	%	%	NOUN
fsr-3204	143	203	43.5	43.5	NUM
fsr-3204	143	204	%	%	NOUN
fsr-3204	143	205	15.4	15.4	NUM
fsr-3204	143	206	%	%	NOUN
fsr-3204	143	207	income	income	NOUN
fsr-3204	143	208	�	�	NOUN
fsr-3204	143	209	$	$	SYM
fsr-3204	143	210	15,000	15,000	NUM
fsr-3204	143	211	217	217	NUM
fsr-3204	143	212	23.5	23.5	NUM
fsr-3204	143	213	%	%	NOUN
fsr-3204	143	214	52.5	52.5	NUM
fsr-3204	143	215	%	%	NOUN
fsr-3204	143	216	16.6	16.6	NUM
fsr-3204	143	217	%	%	NOUN
fsr-3204	143	218	$	$	SYM
fsr-3204	143	219	15k–$24,999	15k–$24,999	NUM
fsr-3204	143	220	331	331	NUM
fsr-3204	143	221	18.1	18.1	NUM
fsr-3204	143	222	%	%	NOUN
fsr-3204	143	223	49.2	49.2	NUM
fsr-3204	143	224	%	%	NOUN
fsr-3204	143	225	13.0	13.0	NUM
fsr-3204	143	226	%	%	NOUN
fsr-3204	143	227	$	$	SYM
fsr-3204	143	228	25k–$34,999	25k–$34,999	NUM
fsr-3204	143	229	392	392	NUM
fsr-3204	143	230	19.9	19.9	NUM
fsr-3204	143	231	%	%	NOUN
fsr-3204	143	232	51.8	51.8	NUM
fsr-3204	143	233	%	%	NOUN
fsr-3204	143	234	16.1	16.1	NUM
fsr-3204	143	235	%	%	NOUN
fsr-3204	143	236	$	$	SYM
fsr-3204	143	237	35k–$49,999	35k–$49,999	NUM
fsr-3204	143	238	691	691	NUM
fsr-3204	143	239	20.8	20.8	NUM
fsr-3204	143	240	%	%	NOUN
fsr-3204	143	241	53.1	53.1	NUM
fsr-3204	143	242	%	%	NOUN
fsr-3204	143	243	15.5	15.5	NUM
fsr-3204	143	244	%	%	NOUN
fsr-3204	143	245	$	$	SYM
fsr-3204	143	246	50k–$74,999	50k–$74,999	NUM
fsr-3204	143	247	1,099	1,099	NUM
fsr-3204	143	248	19.4	19.4	NUM
fsr-3204	143	249	%	%	NOUN
fsr-3204	143	250	52.0	52.0	NUM
fsr-3204	143	251	%	%	NOUN
fsr-3204	143	252	13.7	13.7	NUM
fsr-3204	143	253	%	%	NOUN
fsr-3204	143	254	$	$	SYM
fsr-3204	143	255	75k–$99,999	75k–$99,999	NUM
fsr-3204	144	1	794	794	NUM
fsr-3204	144	2	21.9	21.9	NUM
fsr-3204	144	3	%	%	NOUN
fsr-3204	144	4	52.0	52.0	NUM
fsr-3204	144	5	%	%	NOUN
fsr-3204	144	6	18.0	18.0	NUM
fsr-3204	144	7	%	%	NOUN
fsr-3204	144	8	$	$	SYM
fsr-3204	144	9	100k–$149,000	100k–$149,000	NUM
fsr-3204	144	10	830	830	NUM
fsr-3204	144	11	21.7	21.7	NUM
fsr-3204	144	12	%	%	NOUN
fsr-3204	144	13	53.9	53.9	NUM
fsr-3204	144	14	%	%	NOUN
fsr-3204	144	15	17.3	17.3	NUM
fsr-3204	144	16	%	%	NOUN
fsr-3204	144	17	�	�	NOUN
fsr-3204	144	18	$	$	SYM
fsr-3204	144	19	150,000	150,000	NUM
fsr-3204	144	20	706	706	NUM
fsr-3204	144	21	22.9	22.9	NUM
fsr-3204	144	22	%	%	NOUN
fsr-3204	144	23	55.2	55.2	NUM
fsr-3204	144	24	%	%	NOUN
fsr-3204	144	25	17.1	17.1	NUM
fsr-3204	144	26	%	%	NOUN
fsr-3204	144	27	employment	employment	NOUN
fsr-3204	144	28	self	self	NOUN
fsr-3204	144	29	employed	employ	VERB
fsr-3204	144	30	729	729	NUM
fsr-3204	144	31	22.2	22.2	NUM
fsr-3204	144	32	%	%	NOUN
fsr-3204	144	33	58.4	58.4	NUM
fsr-3204	144	34	%	%	NOUN
fsr-3204	144	35	17.7	17.7	NUM
fsr-3204	144	36	%	%	NOUN
fsr-3204	144	37	full	full	ADJ
fsr-3204	144	38	-	-	PUNCT
fsr-3204	144	39	time	time	NOUN
fsr-3204	144	40	2,055	2,055	NUM
fsr-3204	144	41	22.4	22.4	NUM
fsr-3204	144	42	%	%	NOUN
fsr-3204	144	43	54.1	54.1	NUM
fsr-3204	144	44	%	%	NOUN
fsr-3204	144	45	17.7	17.7	NUM
fsr-3204	144	46	%	%	NOUN
fsr-3204	144	47	part	part	NOUN
fsr-3204	144	48	-	-	PUNCT
fsr-3204	144	49	time	time	NOUN
fsr-3204	144	50	464	464	NUM
fsr-3204	144	51	18.8	18.8	NUM
fsr-3204	144	52	%	%	NOUN
fsr-3204	144	53	49.1	49.1	NUM
fsr-3204	144	54	%	%	NOUN
fsr-3204	144	55	14.2	14.2	NUM
fsr-3204	144	56	%	%	NOUN
fsr-3204	144	57	homemaker	homemaker	NOUN
fsr-3204	144	58	377	377	NUM
fsr-3204	144	59	15.9	15.9	NUM
fsr-3204	144	60	%	%	NOUN
fsr-3204	144	61	52.3	52.3	NUM
fsr-3204	144	62	%	%	NOUN
fsr-3204	144	63	10.9	10.9	NUM
fsr-3204	144	64	%	%	NOUN
fsr-3204	144	65	student	student	NOUN
fsr-3204	144	66	151	151	NUM
fsr-3204	144	67	25.8	25.8	NUM
fsr-3204	144	68	%	%	NOUN
fsr-3204	144	69	58.3	58.3	NUM
fsr-3204	144	70	%	%	NOUN
fsr-3204	144	71	18.5	18.5	NUM
fsr-3204	144	72	%	%	NOUN
fsr-3204	144	73	disabled	disabled	ADJ
fsr-3204	144	74	74	74	NUM
fsr-3204	144	75	28.4	28.4	NUM
fsr-3204	144	76	%	%	NOUN
fsr-3204	144	77	47.3	47.3	NUM
fsr-3204	144	78	%	%	NOUN
fsr-3204	144	79	16.2	16.2	NUM
fsr-3204	144	80	%	%	NOUN
fsr-3204	144	81	unemployed	unemployed	ADJ
fsr-3204	144	82	286	286	NUM
fsr-3204	144	83	25.2	25.2	NUM
fsr-3204	144	84	%	%	NOUN
fsr-3204	144	85	52.8	52.8	NUM
fsr-3204	144	86	%	%	NOUN
fsr-3204	144	87	19.9	19.9	NUM
fsr-3204	144	88	%	%	NOUN
fsr-3204	144	89	retired	retire	VERB
fsr-3204	144	90	924	924	NUM
fsr-3204	144	91	17.4	17.4	NUM
fsr-3204	144	92	%	%	NOUN
fsr-3204	144	93	46.6	46.6	NUM
fsr-3204	144	94	%	%	NOUN
fsr-3204	144	95	12.1	12.1	NUM
fsr-3204	144	96	%	%	NOUN
fsr-3204	144	97	region	region	NOUN
fsr-3204	144	98	northeast	northeast	ADV
fsr-3204	144	99	964	964	NUM
fsr-3204	144	100	24.6	24.6	NUM
fsr-3204	144	101	%	%	NOUN
fsr-3204	144	102	52.8	52.8	NUM
fsr-3204	144	103	%	%	NOUN
fsr-3204	144	104	19.2	19.2	NUM
fsr-3204	144	105	%	%	NOUN
fsr-3204	144	106	midwest	midwest	NOUN
fsr-3204	144	107	1,212	1,212	NUM
fsr-3204	144	108	16.1	16.1	NUM
fsr-3204	144	109	%	%	NOUN
fsr-3204	144	110	47.9	47.9	NUM
fsr-3204	144	111	%	%	NOUN
fsr-3204	144	112	11.3	11.3	NUM
fsr-3204	144	113	%	%	NOUN
fsr-3204	144	114	south	south	NOUN
fsr-3204	144	115	1,547	1,547	NUM
fsr-3204	144	116	21.3	21.3	NUM
fsr-3204	144	117	%	%	NOUN
fsr-3204	144	118	54.3	54.3	NUM
fsr-3204	144	119	%	%	NOUN
fsr-3204	144	120	16.7	16.7	NUM
fsr-3204	144	121	%	%	NOUN
fsr-3204	144	122	west	west	NOUN
fsr-3204	144	123	1,337	1,337	NUM
fsr-3204	144	124	22.5	22.5	NUM
fsr-3204	144	125	%	%	NOUN
fsr-3204	144	126	55.3	55.3	NUM
fsr-3204	144	127	%	%	NOUN
fsr-3204	144	128	17.1	17.1	NUM
fsr-3204	144	129	%	%	NOUN
fsr-3204	144	130	panel	panel	NOUN
fsr-3204	144	131	a	a	DET
fsr-3204	144	132	reports	report	NOUN
fsr-3204	144	133	results	result	VERB
fsr-3204	144	134	for	for	ADP
fsr-3204	144	135	debt	debt	NOUN
fsr-3204	144	136	counselor	counselor	NOUN
fsr-3204	144	137	and	and	CCONJ
fsr-3204	144	138	savings	saving	NOUN
fsr-3204	144	139	or	or	CCONJ
fsr-3204	144	140	investments	investment	NOUN
fsr-3204	144	141	advisers	adviser	NOUN
fsr-3204	144	142	,	,	PUNCT
fsr-3204	144	143	panel	panel	NOUN
fsr-3204	144	144	b	b	PROPN
fsr-3204	144	145	reports	report	NOUN
fsr-3204	144	146	results	result	VERB
fsr-3204	144	147	for	for	ADP
fsr-3204	144	148	mortgage	mortgage	NOUN
fsr-3204	144	149	or	or	CCONJ
fsr-3204	144	150	loan	loan	NOUN
fsr-3204	144	151	and	and	CCONJ
fsr-3204	144	152	insurance	insurance	NOUN
fsr-3204	144	153	advisers	adviser	NOUN
fsr-3204	144	154	,	,	PUNCT
fsr-3204	144	155	and	and	CCONJ
fsr-3204	144	156	panel	panel	NOUN
fsr-3204	144	157	c	c	PROPN
fsr-3204	144	158	reports	report	NOUN
fsr-3204	144	159	results	result	VERB
fsr-3204	144	160	for	for	ADP
fsr-3204	144	161	tax	tax	NOUN
fsr-3204	144	162	planning	planning	NOUN
fsr-3204	144	163	advisers	adviser	NOUN
fsr-3204	144	164	.	.	PUNCT
fsr-3204	145	1	316	316	NUM
fsr-3204	145	2	b.	b.	PROPN
fsr-3204	145	3	balasubramnian	balasubramnian	PROPN
fsr-3204	145	4	et	et	PROPN
fsr-3204	145	5	al	al	PROPN
fsr-3204	145	6	.	.	PUNCT
fsr-3204	145	7	/	/	SYM
fsr-3204	145	8	financial	financial	ADJ
fsr-3204	145	9	services	service	NOUN
fsr-3204	145	10	review	review	VERB
fsr-3204	145	11	23	23	NUM
fsr-3204	145	12	(	(	PUNCT
fsr-3204	145	13	2014	2014	NUM
fsr-3204	145	14	)	)	PUNCT
fsr-3204	145	15	305–324	305–324	NUM
fsr-3204	145	16	employment	employment	NOUN
fsr-3204	145	17	,	,	PUNCT
fsr-3204	145	18	and	and	CCONJ
fsr-3204	145	19	region	region	NOUN
fsr-3204	145	20	.	.	PUNCT
fsr-3204	146	1	however	however	ADV
fsr-3204	146	2	,	,	PUNCT
fsr-3204	146	3	the	the	DET
fsr-3204	146	4	results	result	NOUN
fsr-3204	146	5	are	be	AUX
fsr-3204	146	6	more	more	ADV
fsr-3204	146	7	mixed	mixed	ADJ
fsr-3204	146	8	when	when	SCONJ
fsr-3204	146	9	considering	consider	VERB
fsr-3204	146	10	age	age	NOUN
fsr-3204	146	11	.	.	PUNCT
fsr-3204	147	1	there	there	PRON
fsr-3204	147	2	is	be	VERB
fsr-3204	147	3	a	a	DET
fsr-3204	147	4	higher	high	ADJ
fsr-3204	147	5	percentage	percentage	NOUN
fsr-3204	147	6	of	of	ADP
fsr-3204	147	7	the	the	DET
fsr-3204	147	8	18–24	18–24	NUM
fsr-3204	147	9	age	age	NOUN
fsr-3204	147	10	group	group	NOUN
fsr-3204	147	11	conducting	conduct	VERB
fsr-3204	147	12	pre	pre	ADJ
fsr-3204	147	13	-	-	NOUN
fsr-3204	147	14	selection	selection	NOUN
fsr-3204	147	15	monitoring	monitoring	NOUN
fsr-3204	147	16	when	when	SCONJ
fsr-3204	147	17	considering	consider	VERB
fsr-3204	147	18	debt	debt	NOUN
fsr-3204	147	19	counselors	counselor	NOUN
fsr-3204	147	20	(	(	PUNCT
fsr-3204	147	21	panel	panel	NOUN
fsr-3204	147	22	a	a	NOUN
fsr-3204	147	23	)	)	PUNCT
fsr-3204	147	24	.	.	PUNCT
fsr-3204	148	1	all	all	DET
fsr-3204	148	2	other	other	ADJ
fsr-3204	148	3	results	result	NOUN
fsr-3204	148	4	regarding	regard	VERB
fsr-3204	148	5	age	age	NOUN
fsr-3204	148	6	are	be	AUX
fsr-3204	148	7	mixed	mixed	ADJ
fsr-3204	148	8	.	.	PUNCT
fsr-3204	149	1	4.2	4.2	NUM
fsr-3204	149	2	.	.	PUNCT
fsr-3204	150	1	regression	regression	NOUN
fsr-3204	150	2	results	result	NOUN
fsr-3204	150	3	in	in	ADP
fsr-3204	150	4	table	table	NOUN
fsr-3204	150	5	4	4	NUM
fsr-3204	150	6	we	we	PRON
fsr-3204	150	7	present	present	VERB
fsr-3204	150	8	multinomial	multinomial	ADJ
fsr-3204	150	9	logit	logit	PROPN
fsr-3204	150	10	regression	regression	NOUN
fsr-3204	150	11	results	result	NOUN
fsr-3204	150	12	that	that	PRON
fsr-3204	150	13	indicate	indicate	VERB
fsr-3204	150	14	how	how	SCONJ
fsr-3204	150	15	the	the	DET
fsr-3204	150	16	different	different	ADJ
fsr-3204	150	17	demographic	demographic	ADJ
fsr-3204	150	18	characteristics	characteristic	NOUN
fsr-3204	150	19	impact	impact	VERB
fsr-3204	150	20	the	the	DET
fsr-3204	150	21	probability	probability	NOUN
fsr-3204	150	22	of	of	ADP
fsr-3204	150	23	conducting	conduct	VERB
fsr-3204	150	24	a	a	DET
fsr-3204	150	25	background	background	NOUN
fsr-3204	150	26	check	check	NOUN
fsr-3204	150	27	on	on	ADP
fsr-3204	150	28	a	a	DET
fsr-3204	150	29	financial	financial	ADJ
fsr-3204	150	30	adviser	adviser	NOUN
fsr-3204	150	31	in	in	ADP
fsr-3204	150	32	the	the	DET
fsr-3204	150	33	past	past	ADJ
fsr-3204	150	34	five	five	NUM
fsr-3204	150	35	years	year	NOUN
fsr-3204	150	36	(	(	PUNCT
fsr-3204	150	37	left	leave	VERB
fsr-3204	150	38	side	side	NOUN
fsr-3204	150	39	of	of	ADP
fsr-3204	150	40	table	table	NOUN
fsr-3204	150	41	4	4	NUM
fsr-3204	150	42	)	)	PUNCT
fsr-3204	150	43	and	and	CCONJ
fsr-3204	150	44	the	the	DET
fsr-3204	150	45	probability	probability	NOUN
fsr-3204	150	46	of	of	ADP
fsr-3204	150	47	considering	consider	VERB
fsr-3204	150	48	more	more	ADJ
fsr-3204	150	49	than	than	ADP
fsr-3204	150	50	one	one	NUM
fsr-3204	150	51	financial	financial	ADJ
fsr-3204	150	52	adviser	adviser	NOUN
fsr-3204	150	53	before	before	ADP
fsr-3204	150	54	making	make	VERB
fsr-3204	150	55	a	a	DET
fsr-3204	150	56	choice	choice	NOUN
fsr-3204	150	57	(	(	PUNCT
fsr-3204	150	58	right	right	ADJ
fsr-3204	150	59	side	side	NOUN
fsr-3204	150	60	of	of	ADP
fsr-3204	150	61	table	table	NOUN
fsr-3204	150	62	4	4	NUM
fsr-3204	150	63	)	)	PUNCT
fsr-3204	150	64	.	.	PUNCT
fsr-3204	151	1	we	we	PRON
fsr-3204	151	2	find	find	VERB
fsr-3204	151	3	that	that	SCONJ
fsr-3204	151	4	females	female	NOUN
fsr-3204	151	5	are	be	AUX
fsr-3204	151	6	20	20	NUM
fsr-3204	151	7	%	%	NOUN
fsr-3204	151	8	less	less	ADV
fsr-3204	151	9	likely	likely	ADJ
fsr-3204	151	10	to	to	PART
fsr-3204	151	11	have	have	AUX
fsr-3204	151	12	checked	check	VERB
fsr-3204	151	13	the	the	DET
fsr-3204	151	14	background	background	NOUN
fsr-3204	151	15	of	of	ADP
fsr-3204	151	16	financial	financial	ADJ
fsr-3204	151	17	advisers	adviser	NOUN
fsr-3204	151	18	compared	compare	VERB
fsr-3204	151	19	with	with	ADP
fsr-3204	151	20	males	male	NOUN
fsr-3204	151	21	.	.	PUNCT
fsr-3204	152	1	we	we	PRON
fsr-3204	152	2	do	do	AUX
fsr-3204	152	3	not	not	PART
fsr-3204	152	4	observe	observe	VERB
fsr-3204	152	5	any	any	DET
fsr-3204	152	6	significant	significant	ADJ
fsr-3204	152	7	differences	difference	NOUN
fsr-3204	152	8	among	among	ADP
fsr-3204	152	9	age	age	NOUN
fsr-3204	152	10	groups	group	NOUN
fsr-3204	152	11	except	except	SCONJ
fsr-3204	152	12	in	in	ADP
fsr-3204	152	13	the	the	DET
fsr-3204	152	14	65	65	NUM
fsr-3204	152	15	�	�	PROPN
fsr-3204	152	16	age	age	NOUN
fsr-3204	152	17	group	group	NOUN
fsr-3204	152	18	that	that	PRON
fsr-3204	152	19	is	be	AUX
fsr-3204	152	20	,	,	PUNCT
fsr-3204	152	21	on	on	ADP
fsr-3204	152	22	average	average	ADJ
fsr-3204	152	23	,	,	PUNCT
fsr-3204	152	24	21.7	21.7	NUM
fsr-3204	152	25	%	%	NOUN
fsr-3204	152	26	less	less	ADV
fsr-3204	152	27	likely	likely	ADJ
fsr-3204	152	28	to	to	PART
fsr-3204	152	29	check	check	VERB
fsr-3204	152	30	financial	financial	ADJ
fsr-3204	152	31	adviser	adviser	NOUN
fsr-3204	152	32	backgrounds	background	NOUN
fsr-3204	152	33	compared	compare	VERB
fsr-3204	152	34	with	with	ADP
fsr-3204	152	35	the	the	DET
fsr-3204	152	36	18–24	18–24	NUM
fsr-3204	152	37	age	age	NOUN
fsr-3204	152	38	group	group	NOUN
fsr-3204	152	39	.	.	PUNCT
fsr-3204	153	1	we	we	PRON
fsr-3204	153	2	also	also	ADV
fsr-3204	153	3	find	find	VERB
fsr-3204	153	4	there	there	PRON
fsr-3204	153	5	are	be	VERB
fsr-3204	153	6	no	no	DET
fsr-3204	153	7	significant	significant	ADJ
fsr-3204	153	8	differences	difference	NOUN
fsr-3204	153	9	among	among	ADP
fsr-3204	153	10	the	the	DET
fsr-3204	153	11	different	different	ADJ
fsr-3204	153	12	education	education	NOUN
fsr-3204	153	13	groups	group	NOUN
fsr-3204	153	14	except	except	SCONJ
fsr-3204	153	15	that	that	DET
fsr-3204	153	16	financial	financial	ADJ
fsr-3204	153	17	adviser	adviser	NOUN
fsr-3204	153	18	users	user	NOUN
fsr-3204	153	19	with	with	ADP
fsr-3204	153	20	post	post	ADJ
fsr-3204	153	21	-	-	ADJ
fsr-3204	153	22	graduate	graduate	ADJ
fsr-3204	153	23	education	education	NOUN
fsr-3204	153	24	are	be	AUX
fsr-3204	153	25	50	50	NUM
fsr-3204	153	26	%	%	NOUN
fsr-3204	153	27	more	more	ADV
fsr-3204	153	28	likely	likely	ADJ
fsr-3204	153	29	to	to	PART
fsr-3204	153	30	check	check	VERB
fsr-3204	153	31	financial	financial	ADJ
fsr-3204	153	32	adviser	adviser	NOUN
fsr-3204	153	33	backgrounds	background	NOUN
fsr-3204	153	34	compared	compare	VERB
fsr-3204	153	35	with	with	ADP
fsr-3204	153	36	those	those	PRON
fsr-3204	153	37	who	who	PRON
fsr-3204	153	38	did	do	AUX
fsr-3204	153	39	not	not	PART
fsr-3204	153	40	complete	complete	VERB
fsr-3204	153	41	high	high	ADJ
fsr-3204	153	42	school	school	NOUN
fsr-3204	153	43	.	.	PUNCT
fsr-3204	154	1	compared	compare	VERB
fsr-3204	154	2	with	with	ADP
fsr-3204	154	3	married	married	ADJ
fsr-3204	154	4	financial	financial	ADJ
fsr-3204	154	5	adviser	adviser	NOUN
fsr-3204	154	6	users	user	NOUN
fsr-3204	154	7	,	,	PUNCT
fsr-3204	154	8	living	live	VERB
fsr-3204	154	9	with	with	ADP
fsr-3204	154	10	partner	partner	NOUN
fsr-3204	154	11	(	(	PUNCT
fsr-3204	154	12	single	single	ADJ
fsr-3204	154	13	)	)	PUNCT
fsr-3204	154	14	users	user	NOUN
fsr-3204	154	15	are	be	AUX
fsr-3204	154	16	nearly	nearly	ADV
fsr-3204	154	17	20	20	NUM
fsr-3204	154	18	%	%	NOUN
fsr-3204	154	19	(	(	PUNCT
fsr-3204	154	20	14	14	NUM
fsr-3204	154	21	%	%	NOUN
fsr-3204	154	22	)	)	PUNCT
fsr-3204	154	23	more	more	ADV
fsr-3204	154	24	likely	likely	ADJ
fsr-3204	154	25	to	to	PART
fsr-3204	154	26	check	check	VERB
fsr-3204	154	27	financial	financial	ADJ
fsr-3204	154	28	adviser	adviser	NOUN
fsr-3204	154	29	backgrounds	background	NOUN
fsr-3204	154	30	.	.	PUNCT
fsr-3204	155	1	financial	financial	ADJ
fsr-3204	155	2	adviser	adviser	NOUN
fsr-3204	155	3	users	user	NOUN
fsr-3204	155	4	with	with	ADP
fsr-3204	155	5	more	more	ADJ
fsr-3204	155	6	than	than	ADP
fsr-3204	155	7	$	$	SYM
fsr-3204	155	8	35,000	35,000	NUM
fsr-3204	155	9	are	be	AUX
fsr-3204	155	10	more	more	ADV
fsr-3204	155	11	likely	likely	ADJ
fsr-3204	155	12	to	to	PART
fsr-3204	155	13	check	check	VERB
fsr-3204	155	14	financial	financial	ADJ
fsr-3204	155	15	adviser	adviser	NOUN
fsr-3204	155	16	backgrounds	background	NOUN
fsr-3204	155	17	compared	compare	VERB
fsr-3204	155	18	with	with	ADP
fsr-3204	155	19	users	user	NOUN
fsr-3204	155	20	earning	earn	VERB
fsr-3204	155	21	less	less	ADJ
fsr-3204	155	22	than	than	ADP
fsr-3204	155	23	$	$	SYM
fsr-3204	155	24	35,000	35,000	NUM
fsr-3204	155	25	,	,	PUNCT
fsr-3204	155	26	with	with	ADP
fsr-3204	155	27	this	this	DET
fsr-3204	155	28	probability	probability	NOUN
fsr-3204	155	29	increasing	increase	VERB
fsr-3204	155	30	monotonically	monotonically	ADV
fsr-3204	155	31	across	across	ADP
fsr-3204	155	32	higher	high	ADJ
fsr-3204	155	33	income	income	NOUN
fsr-3204	155	34	levels	level	NOUN
fsr-3204	155	35	.	.	PUNCT
fsr-3204	156	1	all	all	DET
fsr-3204	156	2	the	the	DET
fsr-3204	156	3	employment	employment	NOUN
fsr-3204	156	4	categories	category	NOUN
fsr-3204	156	5	are	be	AUX
fsr-3204	156	6	less	less	ADV
fsr-3204	156	7	likely	likely	ADJ
fsr-3204	156	8	to	to	PART
fsr-3204	156	9	check	check	VERB
fsr-3204	156	10	financial	financial	ADJ
fsr-3204	156	11	adviser	adviser	NOUN
fsr-3204	156	12	backgrounds	background	NOUN
fsr-3204	156	13	compared	compare	VERB
fsr-3204	156	14	with	with	ADP
fsr-3204	156	15	self	self	NOUN
fsr-3204	156	16	-	-	PUNCT
fsr-3204	156	17	employed	employ	VERB
fsr-3204	156	18	users	user	NOUN
fsr-3204	156	19	with	with	ADP
fsr-3204	156	20	full	full	ADJ
fsr-3204	156	21	-	-	PUNCT
fsr-3204	156	22	time	time	NOUN
fsr-3204	156	23	users	user	NOUN
fsr-3204	156	24	being	be	AUX
fsr-3204	156	25	37.4	37.4	NUM
fsr-3204	156	26	%	%	NOUN
fsr-3204	156	27	less	less	ADV
fsr-3204	156	28	likely	likely	ADJ
fsr-3204	156	29	to	to	PART
fsr-3204	156	30	check	check	VERB
fsr-3204	156	31	financial	financial	ADJ
fsr-3204	156	32	adviser	adviser	NOUN
fsr-3204	156	33	backgrounds	background	NOUN
fsr-3204	156	34	compared	compare	VERB
fsr-3204	156	35	with	with	ADP
fsr-3204	156	36	self	self	NOUN
fsr-3204	156	37	-	-	PUNCT
fsr-3204	156	38	employed	employ	VERB
fsr-3204	156	39	users	user	NOUN
fsr-3204	156	40	.	.	PUNCT
fsr-3204	157	1	finally	finally	ADV
fsr-3204	157	2	,	,	PUNCT
fsr-3204	157	3	financial	financial	ADJ
fsr-3204	157	4	adviser	adviser	NOUN
fsr-3204	157	5	users	user	NOUN
fsr-3204	157	6	living	live	VERB
fsr-3204	157	7	in	in	ADP
fsr-3204	157	8	the	the	DET
fsr-3204	157	9	midwest	midw	ADJ
fsr-3204	157	10	,	,	PUNCT
fsr-3204	157	11	south	south	ADJ
fsr-3204	157	12	,	,	PUNCT
fsr-3204	157	13	or	or	CCONJ
fsr-3204	157	14	west	west	NOUN
fsr-3204	157	15	are	be	AUX
fsr-3204	157	16	all	all	ADV
fsr-3204	157	17	less	less	ADV
fsr-3204	157	18	likely	likely	ADJ
fsr-3204	157	19	to	to	PART
fsr-3204	157	20	check	check	VERB
fsr-3204	157	21	financial	financial	ADJ
fsr-3204	157	22	adviser	adviser	NOUN
fsr-3204	157	23	backgrounds	background	NOUN
fsr-3204	157	24	compared	compare	VERB
fsr-3204	157	25	with	with	ADP
fsr-3204	157	26	those	those	PRON
fsr-3204	157	27	living	live	VERB
fsr-3204	157	28	in	in	ADP
fsr-3204	157	29	northeast	northeast	NOUN
fsr-3204	157	30	,	,	PUNCT
fsr-3204	157	31	with	with	ADP
fsr-3204	157	32	those	those	PRON
fsr-3204	157	33	in	in	ADP
fsr-3204	157	34	midwest	midwest	PROPN
fsr-3204	157	35	region	region	NOUN
fsr-3204	157	36	being	be	AUX
fsr-3204	157	37	30	30	NUM
fsr-3204	157	38	%	%	NOUN
fsr-3204	157	39	less	less	ADV
fsr-3204	157	40	likely	likely	ADJ
fsr-3204	157	41	compared	compare	VERB
fsr-3204	157	42	with	with	ADP
fsr-3204	157	43	those	those	PRON
fsr-3204	157	44	in	in	ADP
fsr-3204	157	45	the	the	DET
fsr-3204	157	46	northeast	northeast	ADJ
fsr-3204	157	47	region	region	NOUN
fsr-3204	157	48	.	.	PUNCT
fsr-3204	158	1	the	the	DET
fsr-3204	158	2	results	result	NOUN
fsr-3204	158	3	for	for	ADP
fsr-3204	158	4	the	the	DET
fsr-3204	158	5	multinomial	multinomial	ADJ
fsr-3204	158	6	logit	logit	PROPN
fsr-3204	158	7	regression	regression	NOUN
fsr-3204	158	8	that	that	PRON
fsr-3204	158	9	considers	consider	VERB
fsr-3204	158	10	the	the	DET
fsr-3204	158	11	probability	probability	NOUN
fsr-3204	158	12	of	of	ADP
fsr-3204	158	13	considering	consider	VERB
fsr-3204	158	14	more	more	ADJ
fsr-3204	158	15	than	than	ADP
fsr-3204	158	16	one	one	NUM
fsr-3204	158	17	financial	financial	ADJ
fsr-3204	158	18	adviser	adviser	NOUN
fsr-3204	158	19	are	be	AUX
fsr-3204	158	20	reported	report	VERB
fsr-3204	158	21	on	on	ADP
fsr-3204	158	22	the	the	DET
fsr-3204	158	23	right	right	ADJ
fsr-3204	158	24	side	side	NOUN
fsr-3204	158	25	of	of	ADP
fsr-3204	158	26	table	table	NOUN
fsr-3204	158	27	4	4	NUM
fsr-3204	158	28	.	.	PUNCT
fsr-3204	158	29	consistent	consistent	ADJ
fsr-3204	158	30	with	with	ADP
fsr-3204	158	31	the	the	DET
fsr-3204	158	32	background	background	NOUN
fsr-3204	158	33	check	check	NOUN
fsr-3204	158	34	results	result	NOUN
fsr-3204	158	35	,	,	PUNCT
fsr-3204	158	36	females	female	NOUN
fsr-3204	158	37	are	be	AUX
fsr-3204	158	38	20	20	NUM
fsr-3204	158	39	%	%	NOUN
fsr-3204	158	40	less	less	ADV
fsr-3204	158	41	likely	likely	ADJ
fsr-3204	158	42	than	than	ADP
fsr-3204	158	43	males	male	NOUN
fsr-3204	158	44	,	,	PUNCT
fsr-3204	158	45	and	and	CCONJ
fsr-3204	158	46	blacks	black	NOUN
fsr-3204	158	47	are	be	AUX
fsr-3204	158	48	over	over	ADP
fsr-3204	158	49	40	40	NUM
fsr-3204	158	50	%	%	NOUN
fsr-3204	158	51	more	more	ADV
fsr-3204	158	52	likely	likely	ADJ
fsr-3204	158	53	than	than	ADP
fsr-3204	158	54	whites	white	NOUN
fsr-3204	158	55	,	,	PUNCT
fsr-3204	158	56	to	to	PART
fsr-3204	158	57	consider	consider	VERB
fsr-3204	158	58	more	more	ADJ
fsr-3204	158	59	than	than	ADP
fsr-3204	158	60	one	one	NUM
fsr-3204	158	61	financial	financial	ADJ
fsr-3204	158	62	adviser	adviser	NOUN
fsr-3204	158	63	before	before	ADP
fsr-3204	158	64	making	make	VERB
fsr-3204	158	65	a	a	DET
fsr-3204	158	66	choice	choice	NOUN
fsr-3204	158	67	.	.	PUNCT
fsr-3204	159	1	there	there	PRON
fsr-3204	159	2	also	also	ADV
fsr-3204	159	3	remains	remain	VERB
fsr-3204	159	4	a	a	DET
fsr-3204	159	5	monotonic	monotonic	ADJ
fsr-3204	159	6	increase	increase	NOUN
fsr-3204	159	7	in	in	ADP
fsr-3204	159	8	the	the	DET
fsr-3204	159	9	probability	probability	NOUN
fsr-3204	159	10	of	of	ADP
fsr-3204	159	11	considering	consider	VERB
fsr-3204	159	12	more	more	ADJ
fsr-3204	159	13	than	than	ADP
fsr-3204	159	14	one	one	NUM
fsr-3204	159	15	adviser	adviser	NOUN
fsr-3204	159	16	across	across	ADP
fsr-3204	159	17	higher	high	ADJ
fsr-3204	159	18	income	income	NOUN
fsr-3204	159	19	levels	level	NOUN
fsr-3204	159	20	,	,	PUNCT
fsr-3204	159	21	no	no	DET
fsr-3204	159	22	statistically	statistically	ADV
fsr-3204	159	23	significant	significant	ADJ
fsr-3204	159	24	difference	difference	NOUN
fsr-3204	159	25	across	across	ADP
fsr-3204	159	26	education	education	NOUN
fsr-3204	159	27	levels	level	NOUN
fsr-3204	159	28	,	,	PUNCT
fsr-3204	159	29	and	and	CCONJ
fsr-3204	159	30	married	married	ADJ
fsr-3204	159	31	couples	couple	NOUN
fsr-3204	159	32	remain	remain	VERB
fsr-3204	159	33	less	less	ADV
fsr-3204	159	34	likely	likely	ADJ
fsr-3204	159	35	to	to	PART
fsr-3204	159	36	consider	consider	VERB
fsr-3204	159	37	more	more	ADJ
fsr-3204	159	38	than	than	ADP
fsr-3204	159	39	one	one	NUM
fsr-3204	159	40	adviser	adviser	NOUN
fsr-3204	159	41	compared	compare	VERB
fsr-3204	159	42	with	with	ADP
fsr-3204	159	43	those	those	PRON
fsr-3204	159	44	that	that	PRON
fsr-3204	159	45	are	be	AUX
fsr-3204	159	46	living	live	VERB
fsr-3204	159	47	with	with	ADP
fsr-3204	159	48	a	a	DET
fsr-3204	159	49	partner	partner	NOUN
fsr-3204	159	50	or	or	CCONJ
fsr-3204	159	51	single	single	ADJ
fsr-3204	159	52	.	.	PUNCT
fsr-3204	159	53	self	self	NOUN
fsr-3204	159	54	-	-	PUNCT
fsr-3204	159	55	employed	employ	VERB
fsr-3204	159	56	financial	financial	ADJ
fsr-3204	159	57	adviser	adviser	NOUN
fsr-3204	159	58	users	user	NOUN
fsr-3204	159	59	remain	remain	VERB
fsr-3204	159	60	more	more	ADV
fsr-3204	159	61	likely	likely	ADJ
fsr-3204	159	62	to	to	PART
fsr-3204	159	63	consider	consider	VERB
fsr-3204	159	64	more	more	ADJ
fsr-3204	159	65	than	than	ADP
fsr-3204	159	66	one	one	NUM
fsr-3204	159	67	adviser	adviser	NOUN
fsr-3204	159	68	which	which	PRON
fsr-3204	159	69	is	be	AUX
fsr-3204	159	70	also	also	ADV
fsr-3204	159	71	consistent	consistent	ADJ
fsr-3204	159	72	with	with	ADP
fsr-3204	159	73	the	the	DET
fsr-3204	159	74	background	background	NOUN
fsr-3204	159	75	check	check	NOUN
fsr-3204	159	76	results	result	NOUN
fsr-3204	159	77	.	.	PUNCT
fsr-3204	160	1	however	however	ADV
fsr-3204	160	2	,	,	PUNCT
fsr-3204	160	3	we	we	PRON
fsr-3204	160	4	find	find	VERB
fsr-3204	160	5	financial	financial	ADJ
fsr-3204	160	6	consumers	consumer	NOUN
fsr-3204	160	7	between	between	ADP
fsr-3204	160	8	the	the	DET
fsr-3204	160	9	ages	age	NOUN
fsr-3204	160	10	of	of	ADP
fsr-3204	160	11	25	25	NUM
fsr-3204	160	12	and	and	CCONJ
fsr-3204	160	13	44	44	NUM
fsr-3204	160	14	are	be	AUX
fsr-3204	160	15	more	more	ADV
fsr-3204	160	16	likely	likely	ADJ
fsr-3204	160	17	to	to	PART
fsr-3204	160	18	consider	consider	VERB
fsr-3204	160	19	more	more	ADJ
fsr-3204	160	20	than	than	ADP
fsr-3204	160	21	one	one	NUM
fsr-3204	160	22	financial	financial	ADJ
fsr-3204	160	23	adviser	adviser	NOUN
fsr-3204	160	24	compared	compare	VERB
fsr-3204	160	25	with	with	ADP
fsr-3204	160	26	the	the	DET
fsr-3204	160	27	18–24	18–24	NUM
fsr-3204	160	28	age	age	NOUN
fsr-3204	160	29	group	group	NOUN
fsr-3204	160	30	whereas	whereas	SCONJ
fsr-3204	160	31	those	those	DET
fsr-3204	160	32	65	65	NUM
fsr-3204	160	33	�	�	PROPN
fsr-3204	160	34	are	be	AUX
fsr-3204	160	35	almost	almost	ADV
fsr-3204	160	36	22	22	NUM
fsr-3204	160	37	%	%	NOUN
fsr-3204	160	38	less	less	ADV
fsr-3204	160	39	likely	likely	ADJ
fsr-3204	160	40	to	to	PART
fsr-3204	160	41	consider	consider	VERB
fsr-3204	160	42	more	more	ADJ
fsr-3204	160	43	than	than	ADP
fsr-3204	160	44	one	one	NUM
fsr-3204	160	45	financial	financial	ADJ
fsr-3204	160	46	adviser	adviser	NOUN
fsr-3204	160	47	.	.	PUNCT
fsr-3204	161	1	this	this	PRON
fsr-3204	161	2	is	be	AUX
fsr-3204	161	3	somewhat	somewhat	ADV
fsr-3204	161	4	different	different	ADJ
fsr-3204	161	5	for	for	ADP
fsr-3204	161	6	the	the	DET
fsr-3204	161	7	25	25	NUM
fsr-3204	161	8	to	to	PART
fsr-3204	161	9	44	44	NUM
fsr-3204	161	10	age	age	NOUN
fsr-3204	161	11	group	group	NOUN
fsr-3204	161	12	,	,	PUNCT
fsr-3204	161	13	but	but	CCONJ
fsr-3204	161	14	also	also	ADV
fsr-3204	161	15	points	point	VERB
fsr-3204	161	16	out	out	ADP
fsr-3204	161	17	that	that	SCONJ
fsr-3204	161	18	the	the	DET
fsr-3204	161	19	65	65	NUM
fsr-3204	161	20	�	�	PROPN
fsr-3204	161	21	age	age	NOUN
fsr-3204	161	22	group	group	NOUN
fsr-3204	161	23	is	be	AUX
fsr-3204	161	24	the	the	DET
fsr-3204	161	25	least	least	ADV
fsr-3204	161	26	likely	likely	ADJ
fsr-3204	161	27	to	to	PART
fsr-3204	161	28	conduct	conduct	VERB
fsr-3204	161	29	any	any	DET
fsr-3204	161	30	pre	pre	ADJ
fsr-3204	161	31	-	-	NOUN
fsr-3204	161	32	selection	selection	NOUN
fsr-3204	161	33	monitoring	monitoring	NOUN
fsr-3204	161	34	before	before	ADP
fsr-3204	161	35	choosing	choose	VERB
fsr-3204	161	36	a	a	DET
fsr-3204	161	37	financial	financial	ADJ
fsr-3204	161	38	adviser	adviser	NOUN
fsr-3204	161	39	.	.	PUNCT
fsr-3204	162	1	we	we	PRON
fsr-3204	162	2	also	also	ADV
fsr-3204	162	3	find	find	VERB
fsr-3204	162	4	that	that	SCONJ
fsr-3204	162	5	financial	financial	ADJ
fsr-3204	162	6	adviser	adviser	NOUN
fsr-3204	162	7	users	user	NOUN
fsr-3204	162	8	from	from	ADP
fsr-3204	162	9	the	the	DET
fsr-3204	162	10	midwest	midwest	NOUN
fsr-3204	162	11	are	be	AUX
fsr-3204	162	12	less	less	ADV
fsr-3204	162	13	likely	likely	ADJ
fsr-3204	162	14	to	to	PART
fsr-3204	162	15	consider	consider	VERB
fsr-3204	162	16	more	more	ADJ
fsr-3204	162	17	than	than	ADP
fsr-3204	162	18	one	one	NUM
fsr-3204	162	19	adviser	adviser	NOUN
fsr-3204	162	20	compared	compare	VERB
fsr-3204	162	21	with	with	ADP
fsr-3204	162	22	those	those	PRON
fsr-3204	162	23	from	from	ADP
fsr-3204	162	24	the	the	DET
fsr-3204	162	25	northeast	northeast	NOUN
fsr-3204	162	26	that	that	PRON
fsr-3204	162	27	is	be	AUX
fsr-3204	162	28	consistent	consistent	ADJ
fsr-3204	162	29	with	with	ADP
fsr-3204	162	30	our	our	PRON
fsr-3204	162	31	background	background	NOUN
fsr-3204	162	32	check	check	NOUN
fsr-3204	162	33	tests	test	NOUN
fsr-3204	162	34	,	,	PUNCT
fsr-3204	162	35	however	however	ADV
fsr-3204	162	36	,	,	PUNCT
fsr-3204	162	37	there	there	PRON
fsr-3204	162	38	is	be	VERB
fsr-3204	162	39	no	no	DET
fsr-3204	162	40	significant	significant	ADJ
fsr-3204	162	41	difference	difference	NOUN
fsr-3204	162	42	between	between	ADP
fsr-3204	162	43	the	the	DET
fsr-3204	162	44	317b	317b	PROPN
fsr-3204	162	45	.	.	PUNCT
fsr-3204	163	1	balasubramnian	balasubramnian	PROPN
fsr-3204	163	2	et	et	PROPN
fsr-3204	163	3	al	al	PROPN
fsr-3204	163	4	.	.	PUNCT
fsr-3204	163	5	/	/	SYM
fsr-3204	163	6	financial	financial	ADJ
fsr-3204	163	7	services	service	NOUN
fsr-3204	163	8	review	review	VERB
fsr-3204	163	9	23	23	NUM
fsr-3204	163	10	(	(	PUNCT
fsr-3204	163	11	2014	2014	NUM
fsr-3204	163	12	)	)	PUNCT
fsr-3204	164	1	305–324	305–324	NUM
fsr-3204	164	2	remaining	remain	VERB
fsr-3204	164	3	regions	region	NOUN
fsr-3204	164	4	indicating	indicate	VERB
fsr-3204	164	5	that	that	SCONJ
fsr-3204	164	6	users	user	NOUN
fsr-3204	164	7	in	in	ADP
fsr-3204	164	8	the	the	DET
fsr-3204	164	9	south	south	NOUN
fsr-3204	164	10	and	and	CCONJ
fsr-3204	164	11	west	west	NOUN
fsr-3204	164	12	are	be	AUX
fsr-3204	164	13	just	just	ADV
fsr-3204	164	14	as	as	ADV
fsr-3204	164	15	likely	likely	ADJ
fsr-3204	164	16	to	to	PART
fsr-3204	164	17	consider	consider	VERB
fsr-3204	164	18	more	more	ADJ
fsr-3204	164	19	than	than	ADP
fsr-3204	164	20	one	one	NUM
fsr-3204	164	21	financial	financial	ADJ
fsr-3204	164	22	adviser	adviser	NOUN
fsr-3204	164	23	as	as	ADP
fsr-3204	164	24	those	those	PRON
fsr-3204	164	25	in	in	ADP
fsr-3204	164	26	the	the	DET
fsr-3204	164	27	northeast	northeast	NOUN
fsr-3204	164	28	.	.	PUNCT
fsr-3204	165	1	table	table	NOUN
fsr-3204	165	2	4	4	NUM
fsr-3204	165	3	multinomial	multinomial	ADJ
fsr-3204	165	4	logit	logit	NOUN
fsr-3204	165	5	regression	regression	NOUN
fsr-3204	165	6	using	use	VERB
fsr-3204	165	7	15,188	15,188	NUM
fsr-3204	165	8	survey	survey	NOUN
fsr-3204	165	9	respondents	respondent	NOUN
fsr-3204	165	10	who	who	PRON
fsr-3204	165	11	have	have	AUX
fsr-3204	165	12	used	use	VERB
fsr-3204	165	13	a	a	DET
fsr-3204	165	14	financial	financial	ADJ
fsr-3204	165	15	adviser	adviser	NOUN
fsr-3204	165	16	in	in	ADP
fsr-3204	165	17	the	the	DET
fsr-3204	165	18	past	past	ADJ
fsr-3204	165	19	five	five	NUM
fsr-3204	165	20	years	year	NOUN
fsr-3204	165	21	where	where	SCONJ
fsr-3204	165	22	the	the	DET
fsr-3204	165	23	dependent	dependent	ADJ
fsr-3204	165	24	variable	variable	NOUN
fsr-3204	165	25	,	,	PUNCT
fsr-3204	165	26	financial	financial	ADJ
fsr-3204	165	27	adviser	adviser	NOUN
fsr-3204	165	28	background	background	NOUN
fsr-3204	165	29	checks	check	NOUN
fsr-3204	165	30	,	,	PUNCT
fsr-3204	165	31	is	be	AUX
fsr-3204	165	32	set	set	VERB
fsr-3204	165	33	equal	equal	ADJ
fsr-3204	165	34	to	to	ADP
fsr-3204	165	35	1	1	NUM
fsr-3204	165	36	if	if	SCONJ
fsr-3204	165	37	the	the	DET
fsr-3204	165	38	respondent	respondent	NOUN
fsr-3204	165	39	checked	check	VERB
fsr-3204	165	40	the	the	DET
fsr-3204	165	41	background	background	NOUN
fsr-3204	165	42	of	of	ADP
fsr-3204	165	43	a	a	DET
fsr-3204	165	44	financial	financial	ADJ
fsr-3204	165	45	adviser	adviser	NOUN
fsr-3204	165	46	in	in	ADP
fsr-3204	165	47	the	the	DET
fsr-3204	165	48	past	past	ADJ
fsr-3204	165	49	five	five	NUM
fsr-3204	165	50	years	year	NOUN
fsr-3204	165	51	,	,	PUNCT
fsr-3204	165	52	0	0	NUM
fsr-3204	165	53	otherwise	otherwise	ADV
fsr-3204	165	54	financial	financial	ADJ
fsr-3204	165	55	adviser	adviser	NOUN
fsr-3204	165	56	background	background	NOUN
fsr-3204	165	57	checks	check	NOUN
fsr-3204	165	58	considered	consider	VERB
fsr-3204	165	59	�	�	NOUN
fsr-3204	165	60	1	1	NUM
fsr-3204	165	61	financial	financial	ADJ
fsr-3204	165	62	advisers	adviser	NOUN
fsr-3204	165	63	coefficient	coefficient	VERB
fsr-3204	165	64	z	z	NOUN
fsr-3204	165	65	-	-	PUNCT
fsr-3204	165	66	stat	stat	NOUN
fsr-3204	165	67	standard	standard	ADJ
fsr-3204	165	68	error	error	NOUN
fsr-3204	165	69	odds	odd	VERB
fsr-3204	165	70	ratio	ratio	NOUN
fsr-3204	165	71	coefficient	coefficient	NOUN
fsr-3204	165	72	z	z	NOUN
fsr-3204	165	73	-	-	PUNCT
fsr-3204	165	74	stat	stat	NOUN
fsr-3204	165	75	standard	standard	ADJ
fsr-3204	165	76	error	error	NOUN
fsr-3204	165	77	odds	odd	NOUN
fsr-3204	165	78	ratio	ratio	NOUN
fsr-3204	165	79	constant	constant	ADJ
fsr-3204	165	80	�	�	PROPN
fsr-3204	165	81	1.849	1.849	NUM
fsr-3204	165	82	*	*	SYM
fsr-3204	165	83	*	*	PUNCT
fsr-3204	165	84	*	*	PUNCT
fsr-3204	165	85	�	�	X
fsr-3204	165	86	7.21	7.21	NUM
fsr-3204	165	87	0.256	0.256	NUM
fsr-3204	165	88	0.157	0.157	NUM
fsr-3204	165	89	�	�	PROPN
fsr-3204	165	90	0.152	0.152	NUM
fsr-3204	165	91	�	�	NOUN
fsr-3204	165	92	0.85	0.85	NUM
fsr-3204	165	93	0.179	0.179	NUM
fsr-3204	165	94	0.859	0.859	NUM
fsr-3204	165	95	female	female	ADJ
fsr-3204	165	96	�	�	NOUN
fsr-3204	165	97	0.219	0.219	NUM
fsr-3204	165	98	*	*	PUNCT
fsr-3204	165	99	*	*	PUNCT
fsr-3204	165	100	*	*	PUNCT
fsr-3204	165	101	�	�	PROPN
fsr-3204	165	102	4.45	4.45	NUM
fsr-3204	165	103	0.049	0.049	NUM
fsr-3204	165	104	0.803	0.803	NUM
fsr-3204	165	105	�	�	NOUN
fsr-3204	165	106	0.227	0.227	NUM
fsr-3204	165	107	*	*	PUNCT
fsr-3204	165	108	*	*	PUNCT
fsr-3204	165	109	*	*	PUNCT
fsr-3204	165	110	�	�	PROPN
fsr-3204	165	111	6.31	6.31	NUM
fsr-3204	165	112	0.036	0.036	NUM
fsr-3204	165	113	0.797	0.797	NUM
fsr-3204	165	114	age	age	NOUN
fsr-3204	165	115	group	group	NOUN
fsr-3204	165	116	(	(	PUNCT
fsr-3204	165	117	reference	reference	NOUN
fsr-3204	165	118	category	category	NOUN
fsr-3204	165	119	:	:	PUNCT
fsr-3204	165	120	18–24	18–24	NUM
fsr-3204	165	121	)	)	PUNCT
fsr-3204	165	122	25–34	25–34	NUM
fsr-3204	165	123	�	�	PROPN
fsr-3204	165	124	0.045	0.045	NUM
fsr-3204	165	125	�	�	NOUN
fsr-3204	165	126	0.42	0.42	NUM
fsr-3204	165	127	0.107	0.107	NUM
fsr-3204	165	128	0.956	0.956	NUM
fsr-3204	165	129	0.175	0.175	NUM
fsr-3204	165	130	*	*	PUNCT
fsr-3204	165	131	*	*	PUNCT
fsr-3204	165	132	2.26	2.26	NUM
fsr-3204	165	133	0.078	0.078	NUM
fsr-3204	165	134	1.192	1.192	NUM
fsr-3204	165	135	35–44	35–44	NUM
fsr-3204	165	136	�	�	PROPN
fsr-3204	165	137	0.043	0.043	NUM
fsr-3204	165	138	�	�	PROPN
fsr-3204	165	139	0.40	0.40	NUM
fsr-3204	165	140	0.108	0.108	NUM
fsr-3204	165	141	0.958	0.958	NUM
fsr-3204	165	142	0.163	0.163	NUM
fsr-3204	165	143	*	*	PUNCT
fsr-3204	165	144	*	*	PROPN
fsr-3204	165	145	2.09	2.09	NUM
fsr-3204	165	146	0.078	0.078	NUM
fsr-3204	165	147	1.177	1.177	NUM
fsr-3204	165	148	45–54	45–54	NUM
fsr-3204	165	149	�	�	PROPN
fsr-3204	165	150	0.042	0.042	NUM
fsr-3204	165	151	�	�	NOUN
fsr-3204	165	152	0.39	0.39	NUM
fsr-3204	165	153	0.108	0.108	NUM
fsr-3204	165	154	0.959	0.959	NUM
fsr-3204	165	155	0.057	0.057	NUM
fsr-3204	165	156	0.74	0.74	NUM
fsr-3204	165	157	0.078	0.078	NUM
fsr-3204	165	158	1.059	1.059	NUM
fsr-3204	165	159	55–64	55–64	NUM
fsr-3204	165	160	�	�	PROPN
fsr-3204	165	161	0.070	0.070	NUM
fsr-3204	165	162	�	�	PROPN
fsr-3204	165	163	0.61	0.61	NUM
fsr-3204	165	164	0.115	0.115	NUM
fsr-3204	165	165	0.932	0.932	NUM
fsr-3204	165	166	�	�	PROPN
fsr-3204	165	167	0.056	0.056	NUM
fsr-3204	165	168	�	�	PROPN
fsr-3204	165	169	0.67	0.67	NUM
fsr-3204	165	170	0.083	0.083	NUM
fsr-3204	165	171	0.946	0.946	NUM
fsr-3204	165	172	65	65	NUM
fsr-3204	165	173	�	�	PROPN
fsr-3204	165	174	�	�	PROPN
fsr-3204	165	175	0.244	0.244	NUM
fsr-3204	165	176	*	*	PUNCT
fsr-3204	165	177	�	�	PROPN
fsr-3204	165	178	1.83	1.83	NUM
fsr-3204	165	179	0.133	0.133	NUM
fsr-3204	165	180	0.783	0.783	NUM
fsr-3204	165	181	�	�	NOUN
fsr-3204	165	182	0.242	0.242	NUM
fsr-3204	165	183	*	*	SYM
fsr-3204	165	184	*	*	PUNCT
fsr-3204	165	185	�	�	PROPN
fsr-3204	165	186	2.57	2.57	NUM
fsr-3204	165	187	0.094	0.094	NUM
fsr-3204	165	188	0.785	0.785	NUM
fsr-3204	165	189	black	black	ADJ
fsr-3204	165	190	0.421	0.421	NUM
fsr-3204	165	191	*	*	NOUN
fsr-3204	165	192	*	*	PUNCT
fsr-3204	165	193	*	*	PUNCT
fsr-3204	165	194	7.63	7.63	NUM
fsr-3204	165	195	0.055	0.055	NUM
fsr-3204	165	196	1.523	1.523	NUM
fsr-3204	165	197	0.345	0.345	NUM
fsr-3204	165	198	*	*	PUNCT
fsr-3204	165	199	*	*	PUNCT
fsr-3204	165	200	*	*	PUNCT
fsr-3204	165	201	8.11	8.11	NUM
fsr-3204	165	202	0.043	0.043	NUM
fsr-3204	165	203	1.413	1.413	NUM
fsr-3204	165	204	education	education	NOUN
fsr-3204	165	205	(	(	PUNCT
fsr-3204	165	206	reference	reference	NOUN
fsr-3204	165	207	category	category	NOUN
fsr-3204	165	208	:	:	PUNCT
fsr-3204	165	209	did	do	AUX
fsr-3204	165	210	not	not	PART
fsr-3204	165	211	complete	complete	VERB
fsr-3204	165	212	high	high	ADJ
fsr-3204	165	213	school	school	NOUN
fsr-3204	165	214	)	)	PUNCT
fsr-3204	165	215	high	high	ADJ
fsr-3204	165	216	school	school	NOUN
fsr-3204	165	217	0.013	0.013	NUM
fsr-3204	165	218	0.06	0.06	NUM
fsr-3204	165	219	0.218	0.218	NUM
fsr-3204	165	220	1.013	1.013	NUM
fsr-3204	165	221	0.137	0.137	NUM
fsr-3204	165	222	0.93	0.93	NUM
fsr-3204	165	223	0.147	0.147	NUM
fsr-3204	165	224	1.147	1.147	NUM
fsr-3204	165	225	some	some	DET
fsr-3204	165	226	college	college	NOUN
fsr-3204	165	227	0.197	0.197	NUM
fsr-3204	165	228	0.91	0.91	NUM
fsr-3204	165	229	0.215	0.215	NUM
fsr-3204	165	230	1.217	1.217	NUM
fsr-3204	165	231	0.261	0.261	NUM
fsr-3204	165	232	*	*	NUM
fsr-3204	165	233	1.79	1.79	NUM
fsr-3204	165	234	0.146	0.146	NUM
fsr-3204	165	235	1.298	1.298	NUM
fsr-3204	165	236	college	college	NOUN
fsr-3204	165	237	graduate	graduate	NOUN
fsr-3204	165	238	0.291	0.291	NUM
fsr-3204	165	239	1.34	1.34	NUM
fsr-3204	165	240	0.217	0.217	NUM
fsr-3204	165	241	1.338	1.338	NUM
fsr-3204	165	242	0.171	0.171	NUM
fsr-3204	165	243	1.16	1.16	NUM
fsr-3204	165	244	0.148	0.148	NUM
fsr-3204	165	245	1.186	1.186	NUM
fsr-3204	165	246	post	post	NOUN
fsr-3204	165	247	graduate	graduate	NOUN
fsr-3204	165	248	0.405	0.405	NUM
fsr-3204	165	249	*	*	NUM
fsr-3204	165	250	1.84	1.84	NUM
fsr-3204	165	251	0.220	0.220	NUM
fsr-3204	165	252	1.499	1.499	NUM
fsr-3204	165	253	0.191	0.191	NUM
fsr-3204	165	254	1.27	1.27	NUM
fsr-3204	165	255	0.151	0.151	NUM
fsr-3204	165	256	1.211	1.211	NUM
fsr-3204	165	257	marital	marital	ADJ
fsr-3204	165	258	status	status	NOUN
fsr-3204	165	259	(	(	PUNCT
fsr-3204	165	260	reference	reference	NOUN
fsr-3204	165	261	category	category	NOUN
fsr-3204	165	262	:	:	PUNCT
fsr-3204	165	263	married	married	ADJ
fsr-3204	165	264	)	)	PUNCT
fsr-3204	165	265	living	live	VERB
fsr-3204	165	266	with	with	ADP
fsr-3204	165	267	partner	partner	NOUN
fsr-3204	165	268	0.181	0.181	NUM
fsr-3204	165	269	*	*	PUNCT
fsr-3204	165	270	*	*	PUNCT
fsr-3204	165	271	1.98	1.98	NUM
fsr-3204	165	272	0.091	0.091	NUM
fsr-3204	165	273	1.198	1.198	NUM
fsr-3204	165	274	0.181	0.181	NUM
fsr-3204	165	275	*	*	PUNCT
fsr-3204	165	276	*	*	PUNCT
fsr-3204	165	277	*	*	PUNCT
fsr-3204	165	278	2.60	2.60	NUM
fsr-3204	165	279	0.070	0.070	NUM
fsr-3204	165	280	1.198	1.198	NUM
fsr-3204	165	281	single	single	ADJ
fsr-3204	165	282	0.128	0.128	NUM
fsr-3204	165	283	*	*	SYM
fsr-3204	165	284	*	*	NUM
fsr-3204	165	285	2.10	2.10	NUM
fsr-3204	165	286	0.061	0.061	NUM
fsr-3204	165	287	1.136	1.136	NUM
fsr-3204	165	288	0.073	0.073	NUM
fsr-3204	165	289	*	*	PUNCT
fsr-3204	165	290	1.65	1.65	NUM
fsr-3204	165	291	0.044	0.044	NUM
fsr-3204	165	292	1.076	1.076	NUM
fsr-3204	165	293	income	income	NOUN
fsr-3204	165	294	(	(	PUNCT
fsr-3204	165	295	reference	reference	NOUN
fsr-3204	165	296	category	category	NOUN
fsr-3204	165	297	:	:	PUNCT
fsr-3204	165	298	less	less	ADJ
fsr-3204	165	299	than	than	ADP
fsr-3204	165	300	$	$	SYM
fsr-3204	165	301	15,000	15,000	NUM
fsr-3204	165	302	)	)	PUNCT
fsr-3204	165	303	$	$	SYM
fsr-3204	165	304	15,000–$24,999	15,000–$24,999	NUM
fsr-3204	165	305	0.119	0.119	NUM
fsr-3204	165	306	0.92	0.92	NUM
fsr-3204	165	307	0.130	0.130	NUM
fsr-3204	165	308	1.126	1.126	NUM
fsr-3204	165	309	0.058	0.058	NUM
fsr-3204	165	310	0.66	0.66	NUM
fsr-3204	165	311	0.088	0.088	NUM
fsr-3204	165	312	1.060	1.060	NUM
fsr-3204	165	313	$	$	SYM
fsr-3204	165	314	25,000–$34,999	25,000–$34,999	NUM
fsr-3204	165	315	0.186	0.186	NUM
fsr-3204	165	316	1.44	1.44	NUM
fsr-3204	165	317	0.129	0.129	NUM
fsr-3204	165	318	1.205	1.205	NUM
fsr-3204	165	319	0.134	0.134	NUM
fsr-3204	165	320	1.51	1.51	NUM
fsr-3204	165	321	0.089	0.089	NUM
fsr-3204	165	322	1.144	1.144	NUM
fsr-3204	165	323	$	$	SYM
fsr-3204	165	324	35,000–$49,999	35,000–$49,999	NUM
fsr-3204	165	325	0.296	0.296	NUM
fsr-3204	165	326	*	*	NOUN
fsr-3204	165	327	*	*	PROPN
fsr-3204	165	328	2.38	2.38	NUM
fsr-3204	165	329	0.124	0.124	NUM
fsr-3204	165	330	1.345	1.345	NUM
fsr-3204	165	331	0.159	0.159	NUM
fsr-3204	165	332	*	*	NOUN
fsr-3204	165	333	1.85	1.85	NUM
fsr-3204	165	334	0.086	0.086	NUM
fsr-3204	165	335	1.172	1.172	NUM
fsr-3204	165	336	$	$	SYM
fsr-3204	165	337	50,000–$74,999	50,000–$74,999	NOUN
fsr-3204	165	338	0.355	0.355	NUM
fsr-3204	165	339	*	*	PUNCT
fsr-3204	165	340	*	*	PUNCT
fsr-3204	165	341	*	*	PUNCT
fsr-3204	165	342	2.86	2.86	NUM
fsr-3204	165	343	0.124	0.124	NUM
fsr-3204	165	344	1.426	1.426	NUM
fsr-3204	165	345	0.162	0.162	NUM
fsr-3204	165	346	*	*	PUNCT
fsr-3204	165	347	1.88	1.88	NUM
fsr-3204	165	348	0.086	0.086	NUM
fsr-3204	165	349	1.176	1.176	NUM
fsr-3204	165	350	$	$	SYM
fsr-3204	165	351	75,000–$99,999	75,000–$99,999	NUM
fsr-3204	165	352	0.529	0.529	NUM
fsr-3204	165	353	*	*	PUNCT
fsr-3204	165	354	*	*	PUNCT
fsr-3204	165	355	*	*	PUNCT
fsr-3204	165	356	4.04	4.04	NUM
fsr-3204	165	357	0.131	0.131	NUM
fsr-3204	165	358	1.697	1.697	NUM
fsr-3204	165	359	0.216	0.216	NUM
fsr-3204	165	360	*	*	PUNCT
fsr-3204	165	361	*	*	NOUN
fsr-3204	165	362	2.32	2.32	NUM
fsr-3204	165	363	0.093	0.093	NUM
fsr-3204	165	364	1.241	1.241	NUM
fsr-3204	165	365	$	$	SYM
fsr-3204	165	366	100,000–$149,999	100,000–$149,999	NUM
fsr-3204	165	367	0.546	0.546	NUM
fsr-3204	165	368	*	*	PUNCT
fsr-3204	165	369	*	*	PUNCT
fsr-3204	165	370	*	*	PUNCT
fsr-3204	165	371	4.04	4.04	NUM
fsr-3204	165	372	0.135	0.135	NUM
fsr-3204	165	373	1.726	1.726	NUM
fsr-3204	165	374	0.197	0.197	NUM
fsr-3204	165	375	*	*	PUNCT
fsr-3204	165	376	*	*	PROPN
fsr-3204	165	377	2.04	2.04	NUM
fsr-3204	165	378	0.096	0.096	NUM
fsr-3204	165	379	1.218	1.218	NUM
fsr-3204	165	380	$	$	SYM
fsr-3204	165	381	150,000	150,000	NUM
fsr-3204	165	382	or	or	CCONJ
fsr-3204	165	383	more	more	ADJ
fsr-3204	165	384	0.685	0.685	NUM
fsr-3204	165	385	*	*	PUNCT
fsr-3204	165	386	*	*	PUNCT
fsr-3204	165	387	*	*	PUNCT
fsr-3204	165	388	4.80	4.80	NUM
fsr-3204	165	389	0.143	0.143	NUM
fsr-3204	165	390	1.985	1.985	NUM
fsr-3204	165	391	0.360	0.360	NUM
fsr-3204	165	392	*	*	PUNCT
fsr-3204	165	393	*	*	PUNCT
fsr-3204	165	394	*	*	PUNCT
fsr-3204	165	395	3.45	3.45	NUM
fsr-3204	165	396	0.104	0.104	NUM
fsr-3204	165	397	1.433	1.433	NUM
fsr-3204	165	398	employment	employment	NOUN
fsr-3204	165	399	(	(	PUNCT
fsr-3204	165	400	reference	reference	NOUN
fsr-3204	165	401	category	category	NOUN
fsr-3204	165	402	:	:	PUNCT
fsr-3204	165	403	self	self	NOUN
fsr-3204	165	404	employed	employ	VERB
fsr-3204	165	405	)	)	PUNCT
fsr-3204	165	406	employed	employ	VERB
fsr-3204	165	407	full	full	ADJ
fsr-3204	165	408	-	-	PUNCT
fsr-3204	165	409	time	time	NOUN
fsr-3204	165	410	�	�	NOUN
fsr-3204	165	411	0.468	0.468	NUM
fsr-3204	165	412	*	*	NOUN
fsr-3204	165	413	*	*	PUNCT
fsr-3204	165	414	*	*	PUNCT
fsr-3204	165	415	�	�	PROPN
fsr-3204	165	416	6.21	6.21	NUM
fsr-3204	165	417	0.075	0.075	NUM
fsr-3204	165	418	0.626	0.626	NUM
fsr-3204	165	419	�	�	NOUN
fsr-3204	165	420	0.345	0.345	NUM
fsr-3204	165	421	*	*	PUNCT
fsr-3204	165	422	*	*	PUNCT
fsr-3204	165	423	*	*	PUNCT
fsr-3204	165	424	�	�	NOUN
fsr-3204	165	425	5.64	5.64	NUM
fsr-3204	165	426	0.061	0.061	NUM
fsr-3204	165	427	0.709	0.709	NUM
fsr-3204	165	428	employed	employ	VERB
fsr-3204	165	429	part	part	ADJ
fsr-3204	165	430	-	-	PUNCT
fsr-3204	165	431	time	time	NOUN
fsr-3204	165	432	�	�	NOUN
fsr-3204	165	433	0.509	0.509	NOUN
fsr-3204	165	434	*	*	PUNCT
fsr-3204	165	435	*	*	PUNCT
fsr-3204	165	436	*	*	PUNCT
fsr-3204	165	437	�	�	PROPN
fsr-3204	165	438	4.67	4.67	NUM
fsr-3204	165	439	0.109	0.109	NUM
fsr-3204	165	440	0.601	0.601	NUM
fsr-3204	165	441	�	�	NOUN
fsr-3204	165	442	0.275	0.275	NUM
fsr-3204	165	443	*	*	PUNCT
fsr-3204	165	444	*	*	PUNCT
fsr-3204	165	445	*	*	PUNCT
fsr-3204	165	446	�	�	PROPN
fsr-3204	165	447	3.45	3.45	NUM
fsr-3204	165	448	0.080	0.080	NUM
fsr-3204	165	449	0.760	0.760	NUM
fsr-3204	165	450	homemaker	homemaker	NOUN
fsr-3204	165	451	�	�	NOUN
fsr-3204	165	452	0.309	0.309	NOUN
fsr-3204	165	453	*	*	PUNCT
fsr-3204	165	454	*	*	PUNCT
fsr-3204	165	455	*	*	PUNCT
fsr-3204	165	456	�	�	X
fsr-3204	165	457	2.68	2.68	NUM
fsr-3204	165	458	0.115	0.115	NUM
fsr-3204	165	459	0.734	0.734	NUM
fsr-3204	165	460	�	�	PROPN
fsr-3204	165	461	0.129	0.129	NUM
fsr-3204	165	462	�	�	PROPN
fsr-3204	165	463	1.50	1.50	NUM
fsr-3204	165	464	0.086	0.086	NUM
fsr-3204	165	465	0.879	0.879	NUM
fsr-3204	165	466	full	full	ADJ
fsr-3204	165	467	-	-	PUNCT
fsr-3204	165	468	time	time	NOUN
fsr-3204	165	469	student	student	NOUN
fsr-3204	165	470	�	�	PROPN
fsr-3204	165	471	0.287	0.287	NUM
fsr-3204	165	472	*	*	SYM
fsr-3204	165	473	�	�	PROPN
fsr-3204	165	474	1.88	1.88	NUM
fsr-3204	165	475	0.152	0.152	NUM
fsr-3204	165	476	0.751	0.751	NUM
fsr-3204	165	477	�	�	PROPN
fsr-3204	165	478	0.167	0.167	NUM
fsr-3204	165	479	�	�	PROPN
fsr-3204	165	480	1.44	1.44	NUM
fsr-3204	165	481	0.116	0.116	NUM
fsr-3204	165	482	0.846	0.846	PRON
fsr-3204	165	483	disabled	disabled	ADJ
fsr-3204	165	484	�	�	PROPN
fsr-3204	165	485	0.133	0.133	NUM
fsr-3204	165	486	�	�	PROPN
fsr-3204	165	487	0.87	0.87	NUM
fsr-3204	165	488	0.153	0.153	NUM
fsr-3204	165	489	0.876	0.876	NUM
fsr-3204	165	490	�	�	NOUN
fsr-3204	165	491	0.205	0.205	NUM
fsr-3204	165	492	*	*	SYM
fsr-3204	165	493	�	�	PROPN
fsr-3204	165	494	1.76	1.76	NUM
fsr-3204	165	495	0.116	0.116	NUM
fsr-3204	165	496	0.815	0.815	NUM
fsr-3204	165	497	unemployed	unemployed	ADJ
fsr-3204	165	498	�	�	PROPN
fsr-3204	165	499	0.219	0.219	NUM
fsr-3204	165	500	*	*	SYM
fsr-3204	165	501	*	*	PROPN
fsr-3204	165	502	�	�	PROPN
fsr-3204	165	503	1.96	1.96	NUM
fsr-3204	165	504	0.112	0.112	NUM
fsr-3204	165	505	0.803	0.803	NUM
fsr-3204	165	506	�	�	PROPN
fsr-3204	165	507	0.122	0.122	NUM
fsr-3204	165	508	�	�	PROPN
fsr-3204	165	509	1.41	1.41	NUM
fsr-3204	165	510	0.086	0.086	NUM
fsr-3204	165	511	0.885	0.885	NUM
fsr-3204	165	512	retired	retire	VERB
fsr-3204	165	513	�	�	PROPN
fsr-3204	165	514	0.244	0.244	NUM
fsr-3204	165	515	*	*	PUNCT
fsr-3204	165	516	*	*	PUNCT
fsr-3204	165	517	�	�	PROPN
fsr-3204	165	518	2.37	2.37	NUM
fsr-3204	165	519	0.103	0.103	NUM
fsr-3204	165	520	0.783	0.783	NUM
fsr-3204	165	521	�	�	NOUN
fsr-3204	165	522	0.277	0.277	NUM
fsr-3204	165	523	*	*	PUNCT
fsr-3204	165	524	*	*	PUNCT
fsr-3204	165	525	*	*	PUNCT
fsr-3204	165	526	�	�	PROPN
fsr-3204	165	527	3.54	3.54	NUM
fsr-3204	165	528	0.078	0.078	NUM
fsr-3204	165	529	0.758	0.758	NUM
fsr-3204	165	530	region	region	NOUN
fsr-3204	165	531	(	(	PUNCT
fsr-3204	165	532	reference	reference	NOUN
fsr-3204	165	533	category	category	NOUN
fsr-3204	165	534	:	:	PUNCT
fsr-3204	165	535	northeast	northeast	ADJ
fsr-3204	165	536	)	)	PUNCT
fsr-3204	165	537	midwest	midwest	PROPN
fsr-3204	165	538	�	�	PROPN
fsr-3204	165	539	0.357	0.357	NUM
fsr-3204	165	540	*	*	PUNCT
fsr-3204	165	541	*	*	PUNCT
fsr-3204	165	542	*	*	PUNCT
fsr-3204	165	543	�	�	PROPN
fsr-3204	165	544	4.79	4.79	NUM
fsr-3204	165	545	0.074	0.074	NUM
fsr-3204	165	546	0.700	0.700	NUM
fsr-3204	165	547	�	�	NOUN
fsr-3204	165	548	0.127	0.127	NUM
fsr-3204	165	549	*	*	NOUN
fsr-3204	165	550	*	*	PUNCT
fsr-3204	165	551	�	�	PROPN
fsr-3204	165	552	2.35	2.35	NUM
fsr-3204	165	553	0.054	0.054	NUM
fsr-3204	165	554	0.881	0.881	NUM
fsr-3204	165	555	south	south	NOUN
fsr-3204	165	556	�	�	NOUN
fsr-3204	165	557	0.213	0.213	NUM
fsr-3204	165	558	*	*	PUNCT
fsr-3204	165	559	*	*	PUNCT
fsr-3204	165	560	*	*	PUNCT
fsr-3204	165	561	�	�	PROPN
fsr-3204	165	562	3.15	3.15	NUM
fsr-3204	165	563	0.068	0.068	NUM
fsr-3204	165	564	0.808	0.808	NUM
fsr-3204	165	565	0.072	0.072	NUM
fsr-3204	165	566	1.41	1.41	NUM
fsr-3204	165	567	0.051	0.051	NUM
fsr-3204	165	568	1.075	1.075	NUM
fsr-3204	165	569	west	west	PROPN
fsr-3204	165	570	�	�	PROPN
fsr-3204	165	571	0.139	0.139	NUM
fsr-3204	165	572	*	*	PUNCT
fsr-3204	165	573	*	*	PUNCT
fsr-3204	165	574	�	�	PROPN
fsr-3204	165	575	1.99	1.99	NUM
fsr-3204	165	576	0.070	0.070	NUM
fsr-3204	165	577	0.870	0.870	NUM
fsr-3204	165	578	0.080	0.080	NUM
fsr-3204	165	579	1.49	1.49	NUM
fsr-3204	165	580	0.053	0.053	NUM
fsr-3204	165	581	1.083	1.083	NUM
fsr-3204	165	582	the	the	DET
fsr-3204	165	583	dependent	dependent	ADJ
fsr-3204	165	584	variable	variable	NOUN
fsr-3204	165	585	,	,	PUNCT
fsr-3204	165	586	considered	consider	VERB
fsr-3204	165	587	�	�	PROPN
fsr-3204	165	588	1	1	NUM
fsr-3204	165	589	financial	financial	ADJ
fsr-3204	165	590	adviser	adviser	NOUN
fsr-3204	165	591	,	,	PUNCT
fsr-3204	165	592	is	be	AUX
fsr-3204	165	593	set	set	VERB
fsr-3204	165	594	equal	equal	ADJ
fsr-3204	165	595	to	to	ADP
fsr-3204	165	596	1	1	NUM
fsr-3204	165	597	if	if	SCONJ
fsr-3204	165	598	the	the	DET
fsr-3204	165	599	respondent	respondent	NOUN
fsr-3204	165	600	considered	consider	VERB
fsr-3204	165	601	more	more	ADJ
fsr-3204	165	602	than	than	ADP
fsr-3204	165	603	one	one	NUM
fsr-3204	165	604	financial	financial	ADJ
fsr-3204	165	605	adviser	adviser	NOUN
fsr-3204	165	606	before	before	ADP
fsr-3204	165	607	making	make	VERB
fsr-3204	165	608	a	a	DET
fsr-3204	165	609	choice	choice	NOUN
fsr-3204	165	610	,	,	PUNCT
fsr-3204	165	611	0	0	NUM
fsr-3204	166	1	otherwise	otherwise	ADV
fsr-3204	166	2	.	.	PUNCT
fsr-3204	167	1	the	the	DET
fsr-3204	167	2	independent	independent	ADJ
fsr-3204	167	3	variables	variable	NOUN
fsr-3204	167	4	include	include	VERB
fsr-3204	167	5	female	female	NOUN
fsr-3204	167	6	,	,	PUNCT
fsr-3204	167	7	age	age	NOUN
fsr-3204	167	8	,	,	PUNCT
fsr-3204	167	9	black	black	ADJ
fsr-3204	167	10	(	(	PUNCT
fsr-3204	167	11	non	non	ADJ
fsr-3204	167	12	-	-	ADJ
fsr-3204	167	13	hispanic	hispanic	ADJ
fsr-3204	167	14	)	)	PUNCT
fsr-3204	167	15	,	,	PUNCT
fsr-3204	167	16	education	education	NOUN
fsr-3204	167	17	,	,	PUNCT
fsr-3204	167	18	marital	marital	ADJ
fsr-3204	167	19	status	status	NOUN
fsr-3204	167	20	,	,	PUNCT
fsr-3204	167	21	income	income	NOUN
fsr-3204	167	22	,	,	PUNCT
fsr-3204	167	23	employment	employment	NOUN
fsr-3204	167	24	,	,	PUNCT
fsr-3204	167	25	and	and	CCONJ
fsr-3204	167	26	region	region	NOUN
fsr-3204	167	27	.	.	PUNCT
fsr-3204	168	1	positive	positive	ADJ
fsr-3204	168	2	(	(	PUNCT
fsr-3204	168	3	negative	negative	ADJ
fsr-3204	168	4	)	)	PUNCT
fsr-3204	168	5	coefficient	coefficient	NOUN
fsr-3204	168	6	estimates	estimate	NOUN
fsr-3204	168	7	indicate	indicate	VERB
fsr-3204	168	8	that	that	SCONJ
fsr-3204	168	9	demographic	demographic	ADJ
fsr-3204	168	10	characteristic	characteristic	NOUN
fsr-3204	168	11	is	be	AUX
fsr-3204	168	12	more	more	ADV
fsr-3204	168	13	(	(	PUNCT
fsr-3204	168	14	less	less	ADJ
fsr-3204	168	15	)	)	PUNCT
fsr-3204	168	16	likely	likely	ADJ
fsr-3204	168	17	to	to	PART
fsr-3204	168	18	check	check	VERB
fsr-3204	168	19	the	the	DET
fsr-3204	168	20	background	background	NOUN
fsr-3204	168	21	of	of	ADP
fsr-3204	168	22	their	their	PRON
fsr-3204	168	23	adviser	adviser	NOUN
fsr-3204	168	24	,	,	PUNCT
fsr-3204	168	25	or	or	CCONJ
fsr-3204	168	26	consider	consider	VERB
fsr-3204	168	27	more	more	ADJ
fsr-3204	168	28	than	than	ADP
fsr-3204	168	29	one	one	NUM
fsr-3204	168	30	financial	financial	ADJ
fsr-3204	168	31	adviser	adviser	NOUN
fsr-3204	168	32	before	before	ADP
fsr-3204	168	33	making	make	VERB
fsr-3204	168	34	a	a	DET
fsr-3204	168	35	choice	choice	NOUN
fsr-3204	168	36	,	,	PUNCT
fsr-3204	168	37	compared	compare	VERB
fsr-3204	168	38	with	with	ADP
fsr-3204	168	39	the	the	DET
fsr-3204	168	40	indicated	indicate	VERB
fsr-3204	168	41	reference	reference	NOUN
fsr-3204	168	42	category	category	NOUN
fsr-3204	168	43	.	.	PUNCT
fsr-3204	169	1	*	*	PUNCT
fsr-3204	170	1	*	*	PUNCT
fsr-3204	170	2	*	*	PUNCT
fsr-3204	170	3	,	,	PUNCT
fsr-3204	170	4	*	*	PUNCT
fsr-3204	170	5	*	*	PUNCT
fsr-3204	170	6	,	,	PUNCT
fsr-3204	170	7	*	*	PUNCT
fsr-3204	170	8	denote	denote	NOUN
fsr-3204	170	9	significance	significance	NOUN
fsr-3204	170	10	at	at	ADP
fsr-3204	170	11	the	the	DET
fsr-3204	170	12	1	1	NUM
fsr-3204	170	13	%	%	NOUN
fsr-3204	170	14	,	,	PUNCT
fsr-3204	170	15	5	5	NUM
fsr-3204	170	16	%	%	NOUN
fsr-3204	170	17	,	,	PUNCT
fsr-3204	170	18	and	and	CCONJ
fsr-3204	170	19	10	10	NUM
fsr-3204	170	20	%	%	NOUN
fsr-3204	170	21	levels	level	NOUN
fsr-3204	170	22	,	,	PUNCT
fsr-3204	170	23	respectively	respectively	ADV
fsr-3204	170	24	.	.	PUNCT
fsr-3204	171	1	318	318	NUM
fsr-3204	171	2	b.	b.	PROPN
fsr-3204	171	3	balasubramnian	balasubramnian	PROPN
fsr-3204	171	4	et	et	PROPN
fsr-3204	171	5	al	al	PROPN
fsr-3204	171	6	.	.	PUNCT
fsr-3204	171	7	/	/	SYM
fsr-3204	171	8	financial	financial	ADJ
fsr-3204	171	9	services	service	NOUN
fsr-3204	171	10	review	review	VERB
fsr-3204	171	11	23	23	NUM
fsr-3204	171	12	(	(	PUNCT
fsr-3204	171	13	2014	2014	NUM
fsr-3204	171	14	)	)	PUNCT
fsr-3204	171	15	305–324	305–324	NUM
fsr-3204	171	16	table	table	NOUN
fsr-3204	171	17	5	5	NUM
fsr-3204	171	18	reports	report	NOUN
fsr-3204	171	19	results	result	VERB
fsr-3204	171	20	where	where	SCONJ
fsr-3204	171	21	we	we	PRON
fsr-3204	171	22	estimate	estimate	VERB
fsr-3204	171	23	the	the	DET
fsr-3204	171	24	same	same	ADJ
fsr-3204	171	25	multinomial	multinomial	ADJ
fsr-3204	171	26	logit	logit	NOUN
fsr-3204	171	27	model	model	NOUN
fsr-3204	171	28	with	with	ADP
fsr-3204	171	29	additional	additional	ADJ
fsr-3204	171	30	dummy	dummy	ADJ
fsr-3204	171	31	variables	variable	NOUN
fsr-3204	171	32	included	include	VERB
fsr-3204	171	33	that	that	PRON
fsr-3204	171	34	indicate	indicate	VERB
fsr-3204	171	35	if	if	SCONJ
fsr-3204	171	36	the	the	DET
fsr-3204	171	37	financial	financial	ADJ
fsr-3204	171	38	adviser	adviser	NOUN
fsr-3204	171	39	user	user	NOUN
fsr-3204	171	40	used	use	VERB
fsr-3204	171	41	that	that	DET
fsr-3204	171	42	specific	specific	ADJ
fsr-3204	171	43	type	type	NOUN
fsr-3204	171	44	of	of	ADP
fsr-3204	171	45	financial	financial	ADJ
fsr-3204	171	46	adviser	adviser	NOUN
fsr-3204	171	47	.	.	PUNCT
fsr-3204	172	1	this	this	PRON
fsr-3204	172	2	allows	allow	VERB
fsr-3204	172	3	us	we	PRON
fsr-3204	172	4	to	to	PART
fsr-3204	172	5	estimate	estimate	VERB
fsr-3204	172	6	the	the	DET
fsr-3204	172	7	probably	probably	ADV
fsr-3204	172	8	of	of	ADP
fsr-3204	172	9	checking	check	VERB
fsr-3204	172	10	the	the	DET
fsr-3204	172	11	background	background	NOUN
fsr-3204	172	12	of	of	ADP
fsr-3204	172	13	a	a	DET
fsr-3204	172	14	financial	financial	ADJ
fsr-3204	172	15	adviser	adviser	NOUN
fsr-3204	172	16	(	(	PUNCT
fsr-3204	172	17	left	leave	VERB
fsr-3204	172	18	side	side	NOUN
fsr-3204	172	19	of	of	ADP
fsr-3204	172	20	table	table	NOUN
fsr-3204	172	21	)	)	PUNCT
fsr-3204	172	22	,	,	PUNCT
fsr-3204	172	23	or	or	CCONJ
fsr-3204	172	24	considering	consider	VERB
fsr-3204	172	25	more	more	ADJ
fsr-3204	172	26	than	than	ADP
fsr-3204	172	27	one	one	NUM
fsr-3204	172	28	financial	financial	ADJ
fsr-3204	172	29	adviser	adviser	NOUN
fsr-3204	172	30	(	(	PUNCT
fsr-3204	172	31	right	right	ADJ
fsr-3204	172	32	side	side	NOUN
fsr-3204	172	33	of	of	ADP
fsr-3204	172	34	table	table	NOUN
fsr-3204	172	35	)	)	PUNCT
fsr-3204	172	36	,	,	PUNCT
fsr-3204	172	37	based	base	VERB
fsr-3204	172	38	on	on	ADP
fsr-3204	172	39	the	the	DET
fsr-3204	172	40	type	type	NOUN
fsr-3204	172	41	of	of	ADP
fsr-3204	172	42	financial	financial	ADJ
fsr-3204	172	43	adviser	adviser	NOUN
fsr-3204	172	44	that	that	PRON
fsr-3204	172	45	was	be	AUX
fsr-3204	172	46	used	use	VERB
fsr-3204	172	47	while	while	SCONJ
fsr-3204	172	48	controlling	control	VERB
fsr-3204	172	49	for	for	ADP
fsr-3204	172	50	the	the	DET
fsr-3204	172	51	demographic	demographic	ADJ
fsr-3204	172	52	characteristics	characteristic	NOUN
fsr-3204	172	53	included	include	VERB
fsr-3204	172	54	earlier	early	ADV
fsr-3204	172	55	that	that	PRON
fsr-3204	172	56	have	have	AUX
fsr-3204	172	57	already	already	ADV
fsr-3204	172	58	been	be	AUX
fsr-3204	172	59	shown	show	VERB
fsr-3204	172	60	to	to	PART
fsr-3204	172	61	impact	impact	VERB
fsr-3204	172	62	these	these	DET
fsr-3204	172	63	same	same	ADJ
fsr-3204	172	64	probabilities	probability	NOUN
fsr-3204	172	65	.	.	PUNCT
fsr-3204	173	1	there	there	PRON
fsr-3204	173	2	are	be	VERB
fsr-3204	173	3	five	five	NUM
fsr-3204	173	4	different	different	ADJ
fsr-3204	173	5	financial	financial	ADJ
fsr-3204	173	6	adviser	adviser	NOUN
fsr-3204	173	7	types	type	NOUN
fsr-3204	173	8	included	include	VERB
fsr-3204	173	9	:	:	PUNCT
fsr-3204	173	10	debt	debt	NOUN
fsr-3204	173	11	counseling	counseling	NOUN
fsr-3204	173	12	,	,	PUNCT
fsr-3204	173	13	savings	saving	NOUN
fsr-3204	173	14	and	and	CCONJ
fsr-3204	173	15	investments	investment	NOUN
fsr-3204	173	16	,	,	PUNCT
fsr-3204	173	17	mortgage	mortgage	NOUN
fsr-3204	173	18	or	or	CCONJ
fsr-3204	173	19	loan	loan	NOUN
fsr-3204	173	20	,	,	PUNCT
fsr-3204	173	21	insurance	insurance	NOUN
fsr-3204	173	22	,	,	PUNCT
fsr-3204	173	23	and	and	CCONJ
fsr-3204	173	24	tax	tax	NOUN
fsr-3204	173	25	planning	planning	NOUN
fsr-3204	173	26	.	.	PUNCT
fsr-3204	174	1	consistent	consistent	ADJ
fsr-3204	174	2	with	with	ADP
fsr-3204	174	3	the	the	DET
fsr-3204	174	4	univariate	univariate	ADJ
fsr-3204	174	5	results	result	NOUN
fsr-3204	174	6	reported	report	VERB
fsr-3204	174	7	in	in	ADP
fsr-3204	174	8	table	table	NOUN
fsr-3204	174	9	1	1	NUM
fsr-3204	174	10	,	,	PUNCT
fsr-3204	174	11	we	we	PRON
fsr-3204	174	12	find	find	VERB
fsr-3204	174	13	,	,	PUNCT
fsr-3204	174	14	after	after	ADP
fsr-3204	174	15	controlling	control	VERB
fsr-3204	174	16	for	for	ADP
fsr-3204	174	17	all	all	DET
fsr-3204	174	18	demographic	demographic	ADJ
fsr-3204	174	19	characteristics	characteristic	NOUN
fsr-3204	174	20	,	,	PUNCT
fsr-3204	174	21	those	those	PRON
fsr-3204	174	22	using	use	VERB
fsr-3204	174	23	debt	debt	NOUN
fsr-3204	174	24	counseling	counseling	NOUN
fsr-3204	174	25	or	or	CCONJ
fsr-3204	174	26	tax	tax	NOUN
fsr-3204	174	27	planning	planning	NOUN
fsr-3204	174	28	services	service	NOUN
fsr-3204	174	29	are	be	AUX
fsr-3204	174	30	more	more	ADV
fsr-3204	174	31	likely	likely	ADJ
fsr-3204	174	32	to	to	PART
fsr-3204	174	33	check	check	VERB
fsr-3204	174	34	the	the	DET
fsr-3204	174	35	backgrounds	background	NOUN
fsr-3204	174	36	of	of	ADP
fsr-3204	174	37	their	their	PRON
fsr-3204	174	38	financial	financial	ADJ
fsr-3204	174	39	advisers	adviser	NOUN
fsr-3204	174	40	.	.	PUNCT
fsr-3204	175	1	those	those	PRON
fsr-3204	175	2	using	use	VERB
fsr-3204	175	3	insurance	insurance	NOUN
fsr-3204	175	4	advisers	adviser	NOUN
fsr-3204	175	5	are	be	AUX
fsr-3204	175	6	the	the	DET
fsr-3204	175	7	least	least	ADV
fsr-3204	175	8	likely	likely	ADJ
fsr-3204	175	9	to	to	PART
fsr-3204	175	10	check	check	VERB
fsr-3204	175	11	backgrounds	background	NOUN
fsr-3204	175	12	,	,	PUNCT
fsr-3204	175	13	whereas	whereas	SCONJ
fsr-3204	175	14	there	there	PRON
fsr-3204	175	15	is	be	VERB
fsr-3204	175	16	no	no	DET
fsr-3204	175	17	statistically	statistically	ADV
fsr-3204	175	18	significant	significant	ADJ
fsr-3204	175	19	relationship	relationship	NOUN
fsr-3204	175	20	between	between	ADP
fsr-3204	175	21	checking	check	VERB
fsr-3204	175	22	backgrounds	background	NOUN
fsr-3204	175	23	and	and	CCONJ
fsr-3204	175	24	using	use	VERB
fsr-3204	175	25	mortgage	mortgage	NOUN
fsr-3204	175	26	or	or	CCONJ
fsr-3204	175	27	loan	loan	NOUN
fsr-3204	175	28	services	service	NOUN
fsr-3204	175	29	.	.	PUNCT
fsr-3204	176	1	however	however	ADV
fsr-3204	176	2	,	,	PUNCT
fsr-3204	176	3	we	we	PRON
fsr-3204	176	4	find	find	VERB
fsr-3204	176	5	that	that	SCONJ
fsr-3204	176	6	those	those	PRON
fsr-3204	176	7	using	use	VERB
fsr-3204	176	8	debt	debt	NOUN
fsr-3204	176	9	counselors	counselor	NOUN
fsr-3204	176	10	and	and	CCONJ
fsr-3204	176	11	insurance	insurance	NOUN
fsr-3204	176	12	advisers	adviser	NOUN
fsr-3204	176	13	as	as	ADP
fsr-3204	176	14	most	most	ADV
fsr-3204	176	15	likely	likely	ADJ
fsr-3204	176	16	to	to	PART
fsr-3204	176	17	consider	consider	VERB
fsr-3204	176	18	more	more	ADJ
fsr-3204	176	19	than	than	ADP
fsr-3204	176	20	one	one	NUM
fsr-3204	176	21	financial	financial	ADJ
fsr-3204	176	22	adviser	adviser	NOUN
fsr-3204	176	23	before	before	ADP
fsr-3204	176	24	making	make	VERB
fsr-3204	176	25	a	a	DET
fsr-3204	176	26	choice	choice	NOUN
fsr-3204	176	27	.	.	PUNCT
fsr-3204	177	1	those	those	PRON
fsr-3204	177	2	using	use	VERB
fsr-3204	177	3	savings	saving	NOUN
fsr-3204	177	4	or	or	CCONJ
fsr-3204	177	5	investments	investment	NOUN
fsr-3204	177	6	and	and	CCONJ
fsr-3204	177	7	mortgage	mortgage	NOUN
fsr-3204	177	8	or	or	CCONJ
fsr-3204	177	9	loan	loan	NOUN
fsr-3204	177	10	advisers	adviser	NOUN
fsr-3204	177	11	are	be	AUX
fsr-3204	177	12	least	least	ADV
fsr-3204	177	13	likely	likely	ADJ
fsr-3204	177	14	to	to	PART
fsr-3204	177	15	consider	consider	VERB
fsr-3204	177	16	more	more	ADJ
fsr-3204	177	17	than	than	ADP
fsr-3204	177	18	one	one	NUM
fsr-3204	177	19	adviser	adviser	NOUN
fsr-3204	177	20	before	before	ADP
fsr-3204	177	21	choosing	choose	VERB
fsr-3204	177	22	.	.	PUNCT
fsr-3204	178	1	all	all	PRON
fsr-3204	178	2	of	of	ADP
fsr-3204	178	3	these	these	DET
fsr-3204	178	4	results	result	NOUN
fsr-3204	178	5	are	be	AUX
fsr-3204	178	6	statistically	statistically	ADV
fsr-3204	178	7	significant	significant	ADJ
fsr-3204	178	8	at	at	ADP
fsr-3204	178	9	the	the	DET
fsr-3204	178	10	1	1	NUM
fsr-3204	178	11	%	%	NOUN
fsr-3204	178	12	level	level	NOUN
fsr-3204	178	13	.	.	PUNCT
fsr-3204	179	1	4.3	4.3	NUM
fsr-3204	179	2	.	.	X
fsr-3204	179	3	do	do	VERB
fsr-3204	179	4	financial	financial	ADJ
fsr-3204	179	5	consumers	consumer	NOUN
fsr-3204	179	6	who	who	PRON
fsr-3204	179	7	conduct	conduct	VERB
fsr-3204	179	8	pre	pre	ADJ
fsr-3204	179	9	-	-	NOUN
fsr-3204	179	10	selection	selection	ADJ
fsr-3204	179	11	monitoring	monitoring	NOUN
fsr-3204	179	12	have	have	VERB
fsr-3204	179	13	higher	high	ADJ
fsr-3204	179	14	levels	level	NOUN
fsr-3204	179	15	of	of	ADP
fsr-3204	179	16	trust	trust	NOUN
fsr-3204	179	17	in	in	ADP
fsr-3204	179	18	their	their	PRON
fsr-3204	179	19	financial	financial	ADJ
fsr-3204	179	20	advisers	adviser	NOUN
fsr-3204	179	21	?	?	PUNCT
fsr-3204	180	1	next	next	ADV
fsr-3204	180	2	,	,	PUNCT
fsr-3204	180	3	we	we	PRON
fsr-3204	180	4	consider	consider	VERB
fsr-3204	180	5	if	if	SCONJ
fsr-3204	180	6	those	those	DET
fsr-3204	180	7	financial	financial	ADJ
fsr-3204	180	8	adviser	adviser	NOUN
fsr-3204	180	9	users	user	NOUN
fsr-3204	180	10	who	who	PRON
fsr-3204	180	11	conduct	conduct	VERB
fsr-3204	180	12	some	some	DET
fsr-3204	180	13	form	form	NOUN
fsr-3204	180	14	of	of	ADP
fsr-3204	180	15	pre	pre	ADJ
fsr-3204	180	16	-	-	NOUN
fsr-3204	180	17	selection	selection	NOUN
fsr-3204	180	18	monitoring	monitoring	NOUN
fsr-3204	180	19	before	before	ADP
fsr-3204	180	20	choosing	choose	VERB
fsr-3204	180	21	a	a	DET
fsr-3204	180	22	financial	financial	ADJ
fsr-3204	180	23	adviser	adviser	NOUN
fsr-3204	180	24	have	have	VERB
fsr-3204	180	25	a	a	DET
fsr-3204	180	26	higher	high	ADJ
fsr-3204	180	27	level	level	NOUN
fsr-3204	180	28	of	of	ADP
fsr-3204	180	29	trust	trust	NOUN
fsr-3204	180	30	in	in	ADP
fsr-3204	180	31	the	the	DET
fsr-3204	180	32	financial	financial	ADJ
fsr-3204	180	33	advisers	adviser	NOUN
fsr-3204	180	34	they	they	PRON
fsr-3204	180	35	use	use	VERB
fsr-3204	180	36	.	.	PUNCT
fsr-3204	181	1	we	we	PRON
fsr-3204	181	2	use	use	VERB
fsr-3204	181	3	the	the	DET
fsr-3204	181	4	responses	response	NOUN
fsr-3204	181	5	to	to	ADP
fsr-3204	181	6	the	the	DET
fsr-3204	181	7	survey	survey	NOUN
fsr-3204	181	8	question	question	NOUN
fsr-3204	181	9	:	:	PUNCT
fsr-3204	181	10	“	"	PUNCT
fsr-3204	181	11	i	i	PRON
fsr-3204	181	12	would	would	AUX
fsr-3204	181	13	trust	trust	VERB
fsr-3204	181	14	financial	financial	ADJ
fsr-3204	181	15	professionals	professional	NOUN
fsr-3204	181	16	and	and	CCONJ
fsr-3204	181	17	accept	accept	VERB
fsr-3204	181	18	what	what	PRON
fsr-3204	181	19	they	they	PRON
fsr-3204	181	20	recommend	recommend	VERB
fsr-3204	181	21	.	.	PUNCT
fsr-3204	181	22	”	"	PUNCT
fsr-3204	182	1	we	we	PRON
fsr-3204	182	2	report	report	VERB
fsr-3204	182	3	the	the	DET
fsr-3204	182	4	percentage	percentage	NOUN
fsr-3204	182	5	of	of	ADP
fsr-3204	182	6	financial	financial	ADJ
fsr-3204	182	7	adviser	adviser	NOUN
fsr-3204	182	8	users	user	NOUN
fsr-3204	182	9	who	who	PRON
fsr-3204	182	10	selected	select	VERB
fsr-3204	182	11	each	each	PRON
fsr-3204	182	12	of	of	ADP
fsr-3204	182	13	the	the	DET
fsr-3204	182	14	available	available	ADJ
fsr-3204	182	15	responses	response	NOUN
fsr-3204	182	16	to	to	PART
fsr-3204	182	17	include	include	VERB
fsr-3204	182	18	strongly	strongly	ADV
fsr-3204	182	19	disagree	disagree	VERB
fsr-3204	182	20	,	,	PUNCT
fsr-3204	182	21	disagree	disagree	VERB
fsr-3204	182	22	,	,	PUNCT
fsr-3204	182	23	neither	neither	CCONJ
fsr-3204	182	24	agree	agree	VERB
fsr-3204	182	25	nor	nor	CCONJ
fsr-3204	182	26	disagree	disagree	VERB
fsr-3204	182	27	,	,	PUNCT
fsr-3204	182	28	agree	agree	VERB
fsr-3204	182	29	,	,	PUNCT
fsr-3204	182	30	and	and	CCONJ
fsr-3204	182	31	strongly	strongly	ADV
fsr-3204	182	32	agree	agree	VERB
fsr-3204	182	33	in	in	ADP
fsr-3204	182	34	table	table	NOUN
fsr-3204	182	35	6	6	NUM
fsr-3204	182	36	.	.	PUNCT
fsr-3204	183	1	overall	overall	ADJ
fsr-3204	183	2	,	,	PUNCT
fsr-3204	183	3	out	out	ADP
fsr-3204	183	4	of	of	ADP
fsr-3204	183	5	the	the	DET
fsr-3204	183	6	15,188	15,188	NUM
fsr-3204	183	7	financial	financial	ADJ
fsr-3204	183	8	adviser	adviser	NOUN
fsr-3204	183	9	users	user	NOUN
fsr-3204	183	10	,	,	PUNCT
fsr-3204	183	11	there	there	PRON
fsr-3204	183	12	are	be	VERB
fsr-3204	183	13	nearly	nearly	ADV
fsr-3204	183	14	40	40	NUM
fsr-3204	183	15	%	%	NOUN
fsr-3204	183	16	who	who	PRON
fsr-3204	183	17	agree	agree	VERB
fsr-3204	183	18	,	,	PUNCT
fsr-3204	183	19	34	34	NUM
fsr-3204	183	20	%	%	NOUN
fsr-3204	183	21	who	who	PRON
fsr-3204	183	22	neither	neither	CCONJ
fsr-3204	183	23	agree	agree	VERB
fsr-3204	183	24	nor	nor	CCONJ
fsr-3204	183	25	disagree	disagree	VERB
fsr-3204	183	26	,	,	PUNCT
fsr-3204	183	27	and	and	CCONJ
fsr-3204	183	28	over	over	ADP
fsr-3204	183	29	23	23	NUM
fsr-3204	183	30	%	%	NOUN
fsr-3204	183	31	who	who	PRON
fsr-3204	183	32	disagree	disagree	VERB
fsr-3204	183	33	with	with	ADP
fsr-3204	183	34	this	this	DET
fsr-3204	183	35	statement	statement	NOUN
fsr-3204	183	36	(	(	PUNCT
fsr-3204	183	37	some	some	DET
fsr-3204	183	38	users	user	NOUN
fsr-3204	183	39	did	do	AUX
fsr-3204	183	40	not	not	PART
fsr-3204	183	41	answer	answer	VERB
fsr-3204	183	42	this	this	DET
fsr-3204	183	43	question	question	NOUN
fsr-3204	183	44	)	)	PUNCT
fsr-3204	183	45	.	.	PUNCT
fsr-3204	184	1	in	in	ADP
fsr-3204	184	2	table	table	NOUN
fsr-3204	184	3	7	7	NUM
fsr-3204	184	4	,	,	PUNCT
fsr-3204	184	5	we	we	PRON
fsr-3204	184	6	estimate	estimate	VERB
fsr-3204	184	7	a	a	DET
fsr-3204	184	8	tobit	tobit	NOUN
fsr-3204	184	9	regression	regression	NOUN
fsr-3204	184	10	model	model	NOUN
fsr-3204	184	11	using	use	VERB
fsr-3204	184	12	the	the	DET
fsr-3204	184	13	full	full	ADJ
fsr-3204	184	14	sample	sample	NOUN
fsr-3204	184	15	of	of	ADP
fsr-3204	184	16	15,188	15,188	NUM
fsr-3204	184	17	financial	financial	ADJ
fsr-3204	184	18	adviser	adviser	NOUN
fsr-3204	184	19	users	user	NOUN
fsr-3204	184	20	to	to	PART
fsr-3204	184	21	determine	determine	VERB
fsr-3204	184	22	the	the	DET
fsr-3204	184	23	impact	impact	NOUN
fsr-3204	184	24	that	that	PRON
fsr-3204	184	25	pre	pre	ADJ
fsr-3204	184	26	-	-	NOUN
fsr-3204	184	27	selection	selection	ADJ
fsr-3204	184	28	monitoring	monitoring	NOUN
fsr-3204	184	29	has	have	VERB
fsr-3204	184	30	on	on	ADP
fsr-3204	184	31	the	the	DET
fsr-3204	184	32	answer	answer	NOUN
fsr-3204	184	33	to	to	ADP
fsr-3204	184	34	this	this	DET
fsr-3204	184	35	question	question	NOUN
fsr-3204	184	36	.	.	PUNCT
fsr-3204	185	1	we	we	PRON
fsr-3204	185	2	control	control	VERB
fsr-3204	185	3	for	for	ADP
fsr-3204	185	4	the	the	DET
fsr-3204	185	5	all	all	DET
fsr-3204	185	6	the	the	DET
fsr-3204	185	7	demographic	demographic	ADJ
fsr-3204	185	8	characteristics	characteristic	NOUN
fsr-3204	185	9	used	use	VERB
fsr-3204	185	10	earlier	early	ADV
fsr-3204	185	11	and	and	CCONJ
fsr-3204	185	12	include	include	VERB
fsr-3204	185	13	either	either	DET
fsr-3204	185	14	background	background	NOUN
fsr-3204	185	15	check	check	NOUN
fsr-3204	185	16	(	(	PUNCT
fsr-3204	185	17	left	leave	VERB
fsr-3204	185	18	side	side	NOUN
fsr-3204	185	19	of	of	ADP
fsr-3204	185	20	table	table	NOUN
fsr-3204	185	21	7	7	NUM
fsr-3204	185	22	)	)	PUNCT
fsr-3204	185	23	as	as	ADP
fsr-3204	185	24	an	an	DET
fsr-3204	185	25	additional	additional	ADJ
fsr-3204	185	26	dummy	dummy	ADJ
fsr-3204	185	27	variable	variable	NOUN
fsr-3204	185	28	indicating	indicate	VERB
fsr-3204	185	29	if	if	SCONJ
fsr-3204	185	30	the	the	DET
fsr-3204	185	31	user	user	NOUN
fsr-3204	185	32	conducted	conduct	VERB
fsr-3204	185	33	a	a	DET
fsr-3204	185	34	financial	financial	ADJ
fsr-3204	185	35	adviser	adviser	NOUN
fsr-3204	185	36	background	background	NOUN
fsr-3204	185	37	check	check	NOUN
fsr-3204	185	38	,	,	PUNCT
fsr-3204	185	39	or	or	CCONJ
fsr-3204	185	40	considered	consider	VERB
fsr-3204	185	41	�	�	PROPN
fsr-3204	185	42	1	1	NUM
fsr-3204	185	43	financial	financial	ADJ
fsr-3204	185	44	adviser	adviser	NOUN
fsr-3204	185	45	(	(	PUNCT
fsr-3204	185	46	right	right	ADJ
fsr-3204	185	47	side	side	NOUN
fsr-3204	185	48	of	of	ADP
fsr-3204	185	49	table	table	NOUN
fsr-3204	185	50	7	7	NUM
fsr-3204	185	51	)	)	PUNCT
fsr-3204	185	52	as	as	ADP
fsr-3204	185	53	an	an	DET
fsr-3204	185	54	additional	additional	ADJ
fsr-3204	185	55	dummy	dummy	ADJ
fsr-3204	185	56	variable	variable	NOUN
fsr-3204	185	57	indicating	indicate	VERB
fsr-3204	185	58	if	if	SCONJ
fsr-3204	185	59	the	the	DET
fsr-3204	185	60	user	user	NOUN
fsr-3204	185	61	considered	consider	VERB
fsr-3204	185	62	more	more	ADJ
fsr-3204	185	63	than	than	ADP
fsr-3204	185	64	one	one	NUM
fsr-3204	185	65	financial	financial	ADJ
fsr-3204	185	66	adviser	adviser	NOUN
fsr-3204	185	67	before	before	ADP
fsr-3204	185	68	making	make	VERB
fsr-3204	185	69	a	a	DET
fsr-3204	185	70	choice	choice	NOUN
fsr-3204	185	71	.	.	PUNCT
fsr-3204	186	1	overall	overall	ADV
fsr-3204	186	2	,	,	PUNCT
fsr-3204	186	3	we	we	PRON
fsr-3204	186	4	find	find	VERB
fsr-3204	186	5	many	many	ADJ
fsr-3204	186	6	demographic	demographic	ADJ
fsr-3204	186	7	characteristics	characteristic	NOUN
fsr-3204	186	8	are	be	AUX
fsr-3204	186	9	not	not	PART
fsr-3204	186	10	statistically	statistically	ADV
fsr-3204	186	11	related	relate	VERB
fsr-3204	186	12	to	to	ADP
fsr-3204	186	13	financial	financial	ADJ
fsr-3204	186	14	adviser	adviser	NOUN
fsr-3204	186	15	trust	trust	NOUN
fsr-3204	186	16	levels	level	NOUN
fsr-3204	186	17	such	such	ADJ
fsr-3204	186	18	as	as	ADP
fsr-3204	186	19	gender	gender	NOUN
fsr-3204	186	20	,	,	PUNCT
fsr-3204	186	21	education	education	NOUN
fsr-3204	186	22	,	,	PUNCT
fsr-3204	186	23	and	and	CCONJ
fsr-3204	186	24	income	income	NOUN
fsr-3204	186	25	.	.	PUNCT
fsr-3204	187	1	consistent	consistent	ADJ
fsr-3204	187	2	with	with	ADP
fsr-3204	187	3	lachance	lachance	PROPN
fsr-3204	187	4	and	and	CCONJ
fsr-3204	187	5	tang	tang	PROPN
fsr-3204	187	6	(	(	PUNCT
fsr-3204	187	7	2012	2012	NUM
fsr-3204	187	8	)	)	PUNCT
fsr-3204	187	9	,	,	PUNCT
fsr-3204	187	10	we	we	PRON
fsr-3204	187	11	find	find	VERB
fsr-3204	187	12	that	that	SCONJ
fsr-3204	187	13	trust	trust	NOUN
fsr-3204	187	14	levels	level	NOUN
fsr-3204	187	15	generally	generally	ADV
fsr-3204	187	16	decline	decline	VERB
fsr-3204	187	17	with	with	ADP
fsr-3204	187	18	age	age	NOUN
fsr-3204	187	19	.	.	PUNCT
fsr-3204	188	1	we	we	PRON
fsr-3204	188	2	also	also	ADV
fsr-3204	188	3	find	find	VERB
fsr-3204	188	4	that	that	SCONJ
fsr-3204	188	5	living	live	VERB
fsr-3204	188	6	with	with	ADP
fsr-3204	188	7	partner	partner	NOUN
fsr-3204	188	8	couples	couple	NOUN
fsr-3204	188	9	have	have	VERB
fsr-3204	188	10	lower	low	ADJ
fsr-3204	188	11	trust	trust	NOUN
fsr-3204	188	12	levels	level	NOUN
fsr-3204	188	13	,	,	PUNCT
fsr-3204	188	14	and	and	CCONJ
fsr-3204	188	15	people	people	NOUN
fsr-3204	188	16	in	in	ADP
fsr-3204	188	17	the	the	DET
fsr-3204	188	18	midwest	midwest	NOUN
fsr-3204	188	19	have	have	VERB
fsr-3204	188	20	higher	high	ADJ
fsr-3204	188	21	trust	trust	NOUN
fsr-3204	188	22	levels	level	NOUN
fsr-3204	188	23	than	than	ADP
fsr-3204	188	24	those	those	PRON
fsr-3204	188	25	from	from	ADP
fsr-3204	188	26	other	other	ADJ
fsr-3204	188	27	regions	region	NOUN
fsr-3204	188	28	.	.	PUNCT
fsr-3204	189	1	most	most	ADV
fsr-3204	189	2	importantly	importantly	ADV
fsr-3204	189	3	,	,	PUNCT
fsr-3204	189	4	we	we	PRON
fsr-3204	189	5	find	find	VERB
fsr-3204	189	6	a	a	DET
fsr-3204	189	7	positive	positive	ADJ
fsr-3204	189	8	and	and	CCONJ
fsr-3204	189	9	highly	highly	ADV
fsr-3204	189	10	significant	significant	ADJ
fsr-3204	189	11	(	(	PUNCT
fsr-3204	189	12	significant	significant	ADJ
fsr-3204	189	13	at	at	ADP
fsr-3204	189	14	the	the	DET
fsr-3204	189	15	1	1	NUM
fsr-3204	189	16	%	%	NOUN
fsr-3204	189	17	level	level	NOUN
fsr-3204	189	18	)	)	PUNCT
fsr-3204	189	19	relationship	relationship	NOUN
fsr-3204	189	20	between	between	ADP
fsr-3204	189	21	checking	check	VERB
fsr-3204	189	22	the	the	DET
fsr-3204	189	23	background	background	NOUN
fsr-3204	189	24	of	of	ADP
fsr-3204	189	25	financial	financial	ADJ
fsr-3204	189	26	advisers	adviser	NOUN
fsr-3204	189	27	and	and	CCONJ
fsr-3204	189	28	financial	financial	ADJ
fsr-3204	189	29	319b	319b	PROPN
fsr-3204	189	30	.	.	PUNCT
fsr-3204	190	1	balasubramnian	balasubramnian	PROPN
fsr-3204	190	2	et	et	PROPN
fsr-3204	190	3	al	al	PROPN
fsr-3204	190	4	.	.	PUNCT
fsr-3204	190	5	/	/	SYM
fsr-3204	190	6	financial	financial	ADJ
fsr-3204	190	7	services	service	NOUN
fsr-3204	190	8	review	review	VERB
fsr-3204	190	9	23	23	NUM
fsr-3204	190	10	(	(	PUNCT
fsr-3204	190	11	2014	2014	NUM
fsr-3204	190	12	)	)	PUNCT
fsr-3204	190	13	305–324	305–324	NUM
fsr-3204	190	14	table	table	NOUN
fsr-3204	190	15	5	5	NUM
fsr-3204	190	16	multinomial	multinomial	ADJ
fsr-3204	190	17	logit	logit	NOUN
fsr-3204	190	18	regression	regression	NOUN
fsr-3204	190	19	using	use	VERB
fsr-3204	190	20	15,188	15,188	NUM
fsr-3204	190	21	survey	survey	NOUN
fsr-3204	190	22	respondents	respondent	NOUN
fsr-3204	190	23	who	who	PRON
fsr-3204	190	24	have	have	AUX
fsr-3204	190	25	used	use	VERB
fsr-3204	190	26	a	a	DET
fsr-3204	190	27	financial	financial	ADJ
fsr-3204	190	28	adviser	adviser	NOUN
fsr-3204	190	29	in	in	ADP
fsr-3204	190	30	the	the	DET
fsr-3204	190	31	past	past	ADJ
fsr-3204	190	32	five	five	NUM
fsr-3204	190	33	years	year	NOUN
fsr-3204	190	34	where	where	SCONJ
fsr-3204	190	35	the	the	DET
fsr-3204	190	36	dependent	dependent	ADJ
fsr-3204	190	37	variable	variable	NOUN
fsr-3204	190	38	,	,	PUNCT
fsr-3204	190	39	financial	financial	ADJ
fsr-3204	190	40	adviser	adviser	NOUN
fsr-3204	190	41	background	background	NOUN
fsr-3204	190	42	checks	check	NOUN
fsr-3204	190	43	,	,	PUNCT
fsr-3204	190	44	is	be	AUX
fsr-3204	190	45	set	set	VERB
fsr-3204	190	46	equal	equal	ADJ
fsr-3204	190	47	to	to	ADP
fsr-3204	190	48	1	1	NUM
fsr-3204	190	49	if	if	SCONJ
fsr-3204	190	50	the	the	DET
fsr-3204	190	51	respondent	respondent	NOUN
fsr-3204	190	52	checked	check	VERB
fsr-3204	190	53	the	the	DET
fsr-3204	190	54	background	background	NOUN
fsr-3204	190	55	of	of	ADP
fsr-3204	190	56	a	a	DET
fsr-3204	190	57	financial	financial	ADJ
fsr-3204	190	58	adviser	adviser	NOUN
fsr-3204	190	59	in	in	ADP
fsr-3204	190	60	the	the	DET
fsr-3204	190	61	last	last	ADJ
fsr-3204	190	62	five	five	NUM
fsr-3204	190	63	years	year	NOUN
fsr-3204	190	64	,	,	PUNCT
fsr-3204	190	65	0	0	NUM
fsr-3204	190	66	otherwise	otherwise	ADV
fsr-3204	190	67	financial	financial	ADJ
fsr-3204	190	68	adviser	adviser	NOUN
fsr-3204	190	69	background	background	NOUN
fsr-3204	190	70	checks	check	NOUN
fsr-3204	190	71	considered	consider	VERB
fsr-3204	190	72	�	�	PROPN
fsr-3204	190	73	1	1	NUM
fsr-3204	190	74	financial	financial	ADJ
fsr-3204	190	75	adviser	adviser	NOUN
fsr-3204	190	76	coefficient	coefficient	NOUN
fsr-3204	190	77	z	z	NOUN
fsr-3204	190	78	-	-	PUNCT
fsr-3204	190	79	stat	stat	NOUN
fsr-3204	190	80	standard	standard	ADJ
fsr-3204	190	81	error	error	NOUN
fsr-3204	190	82	odds	odd	VERB
fsr-3204	190	83	ratio	ratio	NOUN
fsr-3204	190	84	coefficient	coefficient	NOUN
fsr-3204	190	85	z	z	NOUN
fsr-3204	190	86	-	-	PUNCT
fsr-3204	190	87	stat	stat	NOUN
fsr-3204	190	88	standard	standard	ADJ
fsr-3204	190	89	error	error	NOUN
fsr-3204	190	90	odds	odd	NOUN
fsr-3204	190	91	ratio	ratio	NOUN
fsr-3204	190	92	constant	constant	ADJ
fsr-3204	190	93	�	�	PROPN
fsr-3204	190	94	2.760	2.760	NUM
fsr-3204	190	95	*	*	PUNCT
fsr-3204	190	96	*	*	PUNCT
fsr-3204	190	97	*	*	PUNCT
fsr-3204	190	98	�	�	PROPN
fsr-3204	190	99	10.43	10.43	NUM
fsr-3204	190	100	0.265	0.265	NUM
fsr-3204	190	101	0.0633	0.0633	NUM
fsr-3204	190	102	�	�	NOUN
fsr-3204	190	103	0.746	0.746	NUM
fsr-3204	190	104	*	*	PUNCT
fsr-3204	190	105	*	*	PUNCT
fsr-3204	190	106	*	*	PUNCT
fsr-3204	190	107	�	�	X
fsr-3204	190	108	4.06	4.06	NUM
fsr-3204	190	109	0.184	0.184	NUM
fsr-3204	190	110	0.474	0.474	NUM
fsr-3204	190	111	debt	debt	NOUN
fsr-3204	190	112	counseling	counseling	NOUN
fsr-3204	190	113	0.602	0.602	NOUN
fsr-3204	190	114	*	*	PUNCT
fsr-3204	190	115	*	*	PUNCT
fsr-3204	190	116	*	*	PUNCT
fsr-3204	190	117	10.21	10.21	NUM
fsr-3204	190	118	0.059	0.059	NUM
fsr-3204	190	119	1.825	1.825	NUM
fsr-3204	190	120	0.364	0.364	NUM
fsr-3204	190	121	*	*	PUNCT
fsr-3204	190	122	*	*	PUNCT
fsr-3204	190	123	*	*	PUNCT
fsr-3204	190	124	7.75	7.75	NUM
fsr-3204	190	125	0.047	0.047	NUM
fsr-3204	190	126	1.439	1.439	NUM
fsr-3204	190	127	savings	saving	NOUN
fsr-3204	190	128	or	or	CCONJ
fsr-3204	190	129	investments	investment	NOUN
fsr-3204	190	130	0.485	0.485	NUM
fsr-3204	190	131	*	*	PUNCT
fsr-3204	190	132	*	*	PUNCT
fsr-3204	190	133	*	*	PUNCT
fsr-3204	190	134	9.02	9.02	NUM
fsr-3204	190	135	0.054	0.054	NUM
fsr-3204	190	136	1.624	1.624	NUM
fsr-3204	190	137	0.221	0.221	NUM
fsr-3204	190	138	*	*	PUNCT
fsr-3204	190	139	*	*	PUNCT
fsr-3204	190	140	*	*	PUNCT
fsr-3204	190	141	5.96	5.96	NUM
fsr-3204	190	142	0.037	0.037	NUM
fsr-3204	190	143	1.248	1.248	NUM
fsr-3204	190	144	mortgage	mortgage	NOUN
fsr-3204	190	145	or	or	CCONJ
fsr-3204	190	146	loan	loan	NOUN
fsr-3204	190	147	0.077	0.077	NUM
fsr-3204	190	148	1.55	1.55	NUM
fsr-3204	190	149	0.050	0.050	NUM
fsr-3204	190	150	1.080	1.080	NUM
fsr-3204	190	151	0.214	0.214	NUM
fsr-3204	190	152	*	*	PUNCT
fsr-3204	191	1	*	*	PUNCT
fsr-3204	191	2	*	*	PUNCT
fsr-3204	191	3	5.94	5.94	NUM
fsr-3204	191	4	0.036	0.036	NUM
fsr-3204	191	5	1.239	1.239	NUM
fsr-3204	191	6	insurance	insurance	NOUN
fsr-3204	191	7	0.416	0.416	NUM
fsr-3204	191	8	*	*	PUNCT
fsr-3204	191	9	*	*	PUNCT
fsr-3204	191	10	*	*	PUNCT
fsr-3204	191	11	7.85	7.85	NUM
fsr-3204	191	12	0.053	0.053	NUM
fsr-3204	191	13	1.516	1.516	NUM
fsr-3204	191	14	0.388	0.388	NUM
fsr-3204	191	15	*	*	PUNCT
fsr-3204	191	16	*	*	PUNCT
fsr-3204	191	17	*	*	X
fsr-3204	191	18	10.78	10.78	NUM
fsr-3204	191	19	0.036	0.036	NUM
fsr-3204	191	20	1.474	1.474	NUM
fsr-3204	191	21	tax	tax	NOUN
fsr-3204	191	22	planning	planning	NOUN
fsr-3204	191	23	0.561	0.561	NOUN
fsr-3204	191	24	*	*	PUNCT
fsr-3204	191	25	*	*	PUNCT
fsr-3204	191	26	*	*	PUNCT
fsr-3204	191	27	11.01	11.01	NUM
fsr-3204	191	28	0.051	0.051	NUM
fsr-3204	191	29	1.752	1.752	NUM
fsr-3204	191	30	0.247	0.247	NUM
fsr-3204	191	31	*	*	PUNCT
fsr-3204	191	32	*	*	PUNCT
fsr-3204	191	33	*	*	PUNCT
fsr-3204	191	34	6.44	6.44	NUM
fsr-3204	191	35	0.038	0.038	NUM
fsr-3204	191	36	1.281	1.281	NUM
fsr-3204	191	37	female	female	ADJ
fsr-3204	191	38	�	�	NOUN
fsr-3204	191	39	0.209	0.209	NUM
fsr-3204	191	40	*	*	PUNCT
fsr-3204	191	41	*	*	PUNCT
fsr-3204	191	42	*	*	PUNCT
fsr-3204	191	43	�	�	PROPN
fsr-3204	191	44	4.16	4.16	NUM
fsr-3204	191	45	0.050	0.050	NUM
fsr-3204	191	46	0.812	0.812	NUM
fsr-3204	191	47	�	�	NOUN
fsr-3204	191	48	0.234	0.234	NUM
fsr-3204	191	49	*	*	PUNCT
fsr-3204	191	50	*	*	PUNCT
fsr-3204	191	51	*	*	PUNCT
fsr-3204	191	52	�	�	PROPN
fsr-3204	191	53	6.44	6.44	NUM
fsr-3204	191	54	0.036	0.036	NUM
fsr-3204	191	55	0.791	0.791	NUM
fsr-3204	191	56	age	age	NOUN
fsr-3204	191	57	group	group	NOUN
fsr-3204	191	58	(	(	PUNCT
fsr-3204	191	59	reference	reference	NOUN
fsr-3204	191	60	category	category	NOUN
fsr-3204	191	61	:	:	PUNCT
fsr-3204	191	62	18–24	18–24	NUM
fsr-3204	191	63	)	)	PUNCT
fsr-3204	191	64	25–34	25–34	NUM
fsr-3204	191	65	�	�	SYM
fsr-3204	191	66	0.095	0.095	NUM
fsr-3204	191	67	�	�	PROPN
fsr-3204	191	68	0.87	0.87	NUM
fsr-3204	191	69	0.110	0.110	NUM
fsr-3204	191	70	0.909	0.909	NUM
fsr-3204	191	71	0.119	0.119	NUM
fsr-3204	191	72	1.51	1.51	NUM
fsr-3204	191	73	0.079	0.079	NUM
fsr-3204	191	74	1.127	1.127	NUM
fsr-3204	191	75	35–44	35–44	NUM
fsr-3204	191	76	�	�	PROPN
fsr-3204	191	77	0.020	0.020	NUM
fsr-3204	191	78	�	�	PROPN
fsr-3204	191	79	0.18	0.18	NUM
fsr-3204	191	80	0.110	0.110	NUM
fsr-3204	191	81	0.980	0.980	NUM
fsr-3204	191	82	0.153	0.153	NUM
fsr-3204	191	83	*	*	NUM
fsr-3204	191	84	1.93	1.93	NUM
fsr-3204	191	85	0.079	0.079	NUM
fsr-3204	191	86	1.165	1.165	NUM
fsr-3204	191	87	45–54	45–54	NUM
fsr-3204	191	88	�	�	PROPN
fsr-3204	191	89	0.009	0.009	NUM
fsr-3204	191	90	�	�	PROPN
fsr-3204	191	91	0.08	0.08	NUM
fsr-3204	191	92	0.110	0.110	NUM
fsr-3204	191	93	0.991	0.991	NUM
fsr-3204	191	94	0.063	0.063	NUM
fsr-3204	191	95	0.79	0.79	NUM
fsr-3204	191	96	0.079	0.079	NUM
fsr-3204	191	97	1.065	1.065	NUM
fsr-3204	191	98	55–64	55–64	PROPN
fsr-3204	191	99	�	�	PROPN
fsr-3204	191	100	0.020	0.020	NUM
fsr-3204	191	101	�	�	PROPN
fsr-3204	191	102	0.17	0.17	NUM
fsr-3204	191	103	0.117	0.117	NUM
fsr-3204	191	104	0.980	0.980	NUM
fsr-3204	191	105	�	�	PROPN
fsr-3204	191	106	0.024	0.024	NUM
fsr-3204	191	107	�	�	PROPN
fsr-3204	191	108	0.29	0.29	NUM
fsr-3204	191	109	0.084	0.084	NUM
fsr-3204	191	110	0.976	0.976	NUM
fsr-3204	191	111	65	65	NUM
fsr-3204	191	112	�	�	PROPN
fsr-3204	191	113	�	�	PROPN
fsr-3204	191	114	0.180	0.180	NUM
fsr-3204	191	115	�	�	PROPN
fsr-3204	191	116	1.32	1.32	NUM
fsr-3204	191	117	0.136	0.136	NUM
fsr-3204	191	118	0.835	0.835	NUM
fsr-3204	191	119	�	�	PROPN
fsr-3204	191	120	0.185	0.185	NUM
fsr-3204	191	121	*	*	SYM
fsr-3204	191	122	�	�	PROPN
fsr-3204	191	123	1.93	1.93	NUM
fsr-3204	191	124	0.096	0.096	NUM
fsr-3204	191	125	0.831	0.831	NUM
fsr-3204	191	126	black	black	ADJ
fsr-3204	191	127	(	(	PUNCT
fsr-3204	191	128	non	non	ADJ
fsr-3204	191	129	-	-	ADJ
fsr-3204	191	130	hispanic	hispanic	ADJ
fsr-3204	191	131	)	)	PUNCT
fsr-3204	191	132	0.368	0.368	NUM
fsr-3204	191	133	*	*	PUNCT
fsr-3204	191	134	*	*	PUNCT
fsr-3204	191	135	*	*	PUNCT
fsr-3204	191	136	6.49	6.49	NUM
fsr-3204	191	137	0.057	0.057	NUM
fsr-3204	191	138	1.445	1.445	NUM
fsr-3204	191	139	0.329	0.329	NUM
fsr-3204	191	140	*	*	PUNCT
fsr-3204	191	141	*	*	PUNCT
fsr-3204	191	142	*	*	PUNCT
fsr-3204	191	143	7.60	7.60	NUM
fsr-3204	191	144	0.043	0.043	NUM
fsr-3204	191	145	1.390	1.390	NUM
fsr-3204	191	146	education	education	NOUN
fsr-3204	191	147	(	(	PUNCT
fsr-3204	191	148	reference	reference	NOUN
fsr-3204	191	149	category	category	NOUN
fsr-3204	191	150	:	:	PUNCT
fsr-3204	191	151	did	do	AUX
fsr-3204	191	152	not	not	PART
fsr-3204	191	153	complete	complete	VERB
fsr-3204	191	154	high	high	ADJ
fsr-3204	191	155	school	school	NOUN
fsr-3204	191	156	)	)	PUNCT
fsr-3204	191	157	high	high	ADJ
fsr-3204	191	158	school	school	PROPN
fsr-3204	191	159	�	�	PROPN
fsr-3204	191	160	0.012	0.012	NUM
fsr-3204	191	161	�	�	PROPN
fsr-3204	191	162	0.05	0.05	NUM
fsr-3204	191	163	0.221	0.221	NUM
fsr-3204	191	164	0.988	0.988	NUM
fsr-3204	191	165	0.139	0.139	NUM
fsr-3204	191	166	0.93	0.93	NUM
fsr-3204	191	167	0.149	0.149	NUM
fsr-3204	191	168	1.149	1.149	NUM
fsr-3204	191	169	some	some	DET
fsr-3204	191	170	college	college	NOUN
fsr-3204	191	171	0.110	0.110	NUM
fsr-3204	191	172	0.50	0.50	NUM
fsr-3204	191	173	0.218	0.218	NUM
fsr-3204	191	174	1.116	1.116	NUM
fsr-3204	191	175	0.222	0.222	NUM
fsr-3204	191	176	1.51	1.51	NUM
fsr-3204	191	177	0.147	0.147	NUM
fsr-3204	191	178	1.248	1.248	NUM
fsr-3204	191	179	college	college	NOUN
fsr-3204	191	180	graduate	graduate	NOUN
fsr-3204	191	181	0.179	0.179	NUM
fsr-3204	191	182	0.81	0.81	NUM
fsr-3204	191	183	0.220	0.220	NUM
fsr-3204	191	184	1.196	1.196	NUM
fsr-3204	191	185	0.119	0.119	NUM
fsr-3204	191	186	0.80	0.80	NUM
fsr-3204	191	187	0.149	0.149	NUM
fsr-3204	191	188	1.126	1.126	NUM
fsr-3204	191	189	post	post	NOUN
fsr-3204	191	190	graduate	graduate	NOUN
fsr-3204	191	191	0.254	0.254	NUM
fsr-3204	191	192	1.14	1.14	NUM
fsr-3204	191	193	0.224	0.224	NUM
fsr-3204	191	194	1.290	1.290	NUM
fsr-3204	191	195	0.122	0.122	NUM
fsr-3204	191	196	0.80	0.80	NUM
fsr-3204	191	197	0.153	0.153	NUM
fsr-3204	191	198	1.130	1.130	NUM
fsr-3204	191	199	marital	marital	ADJ
fsr-3204	191	200	status	status	NOUN
fsr-3204	191	201	(	(	PUNCT
fsr-3204	191	202	reference	reference	NOUN
fsr-3204	191	203	category	category	NOUN
fsr-3204	191	204	:	:	PUNCT
fsr-3204	191	205	married	married	ADJ
fsr-3204	191	206	)	)	PUNCT
fsr-3204	191	207	living	live	VERB
fsr-3204	191	208	with	with	ADP
fsr-3204	191	209	partner	partner	NOUN
fsr-3204	191	210	0.212	0.212	NUM
fsr-3204	191	211	*	*	NOUN
fsr-3204	191	212	*	*	PUNCT
fsr-3204	191	213	2.28	2.28	NUM
fsr-3204	191	214	0.093	0.093	NUM
fsr-3204	191	215	1.236	1.236	NUM
fsr-3204	191	216	0.200	0.200	NUM
fsr-3204	191	217	*	*	PUNCT
fsr-3204	191	218	*	*	PUNCT
fsr-3204	191	219	*	*	PUNCT
fsr-3204	191	220	2.84	2.84	NUM
fsr-3204	191	221	0.070	0.070	NUM
fsr-3204	191	222	1.221	1.221	NUM
fsr-3204	191	223	single	single	ADJ
fsr-3204	191	224	0.156	0.156	NUM
fsr-3204	191	225	*	*	NOUN
fsr-3204	191	226	*	*	PROPN
fsr-3204	191	227	2.50	2.50	NUM
fsr-3204	191	228	0.062	0.062	NUM
fsr-3204	191	229	1.168	1.168	NUM
fsr-3204	191	230	0.109	0.109	NUM
fsr-3204	191	231	*	*	PUNCT
fsr-3204	191	232	*	*	PUNCT
fsr-3204	191	233	2.41	2.41	NUM
fsr-3204	191	234	0.045	0.045	NUM
fsr-3204	191	235	1.115	1.115	NUM
fsr-3204	191	236	income	income	NOUN
fsr-3204	191	237	(	(	PUNCT
fsr-3204	191	238	reference	reference	NOUN
fsr-3204	191	239	category	category	NOUN
fsr-3204	191	240	:	:	PUNCT
fsr-3204	191	241	less	less	ADJ
fsr-3204	191	242	than	than	ADP
fsr-3204	191	243	$	$	SYM
fsr-3204	191	244	15,000	15,000	NUM
fsr-3204	191	245	)	)	PUNCT
fsr-3204	191	246	$	$	SYM
fsr-3204	191	247	15,000–$24,999	15,000–$24,999	NOUN
fsr-3204	191	248	0.107	0.107	NUM
fsr-3204	191	249	0.81	0.81	NUM
fsr-3204	191	250	0.132	0.132	NUM
fsr-3204	191	251	1.112	1.112	NUM
fsr-3204	191	252	0.042	0.042	NUM
fsr-3204	191	253	0.47	0.47	NUM
fsr-3204	191	254	0.089	0.089	NUM
fsr-3204	191	255	1.043	1.043	NUM
fsr-3204	191	256	$	$	SYM
fsr-3204	191	257	25,000–$34,999	25,000–$34,999	NUM
fsr-3204	191	258	0.149	0.149	NUM
fsr-3204	191	259	1.13	1.13	NUM
fsr-3204	191	260	0.132	0.132	NUM
fsr-3204	191	261	1.160	1.160	NUM
fsr-3204	191	262	0.109	0.109	NUM
fsr-3204	191	263	1.21	1.21	NUM
fsr-3204	191	264	0.090	0.090	NUM
fsr-3204	191	265	1.115	1.115	NUM
fsr-3204	191	266	$	$	SYM
fsr-3204	191	267	35,000–$49,999	35,000–$49,999	NUM
fsr-3204	191	268	0.234	0.234	NUM
fsr-3204	191	269	*	*	PUNCT
fsr-3204	191	270	1.84	1.84	NUM
fsr-3204	191	271	0.127	0.127	NUM
fsr-3204	191	272	1.263	1.263	NUM
fsr-3204	191	273	0.115	0.115	NUM
fsr-3204	191	274	1.32	1.32	NUM
fsr-3204	191	275	0.087	0.087	NUM
fsr-3204	191	276	1.122	1.122	NUM
fsr-3204	191	277	$	$	SYM
fsr-3204	191	278	50,000–$74,999	50,000–$74,999	NOUN
fsr-3204	191	279	0.261	0.261	NUM
fsr-3204	191	280	*	*	PUNCT
fsr-3204	191	281	*	*	PUNCT
fsr-3204	191	282	2.06	2.06	NUM
fsr-3204	191	283	0.127	0.127	NUM
fsr-3204	191	284	1.298	1.298	NUM
fsr-3204	191	285	0.106	0.106	NUM
fsr-3204	191	286	1.20	1.20	NUM
fsr-3204	191	287	0.088	0.088	NUM
fsr-3204	191	288	1.112	1.112	NUM
fsr-3204	191	289	$	$	SYM
fsr-3204	191	290	75,000–$99,999	75,000–$99,999	NUM
fsr-3204	191	291	0.415	0.415	NUM
fsr-3204	191	292	*	*	PUNCT
fsr-3204	191	293	*	*	PUNCT
fsr-3204	191	294	*	*	PUNCT
fsr-3204	191	295	3.09	3.09	NUM
fsr-3204	191	296	0.134	0.134	NUM
fsr-3204	191	297	1.514	1.514	NUM
fsr-3204	191	298	0.146	0.146	NUM
fsr-3204	191	299	1.53	1.53	NUM
fsr-3204	191	300	0.095	0.095	NUM
fsr-3204	191	301	1.157	1.157	NUM
fsr-3204	191	302	$	$	SYM
fsr-3204	191	303	100,000–$149,999	100,000–$149,999	NUM
fsr-3204	191	304	0.411	0.411	NUM
fsr-3204	191	305	*	*	PUNCT
fsr-3204	191	306	*	*	PUNCT
fsr-3204	191	307	*	*	PUNCT
fsr-3204	191	308	2.96	2.96	NUM
fsr-3204	191	309	0.139	0.139	NUM
fsr-3204	191	310	1.508	1.508	NUM
fsr-3204	191	311	0.123	0.123	NUM
fsr-3204	191	312	1.25	1.25	NUM
fsr-3204	191	313	0.099	0.099	NUM
fsr-3204	191	314	1.131	1.131	NUM
fsr-3204	191	315	$	$	SYM
fsr-3204	191	316	150,000	150,000	NUM
fsr-3204	191	317	or	or	CCONJ
fsr-3204	191	318	more	more	ADJ
fsr-3204	191	319	0.497	0.497	NUM
fsr-3204	191	320	*	*	PUNCT
fsr-3204	191	321	*	*	PUNCT
fsr-3204	191	322	*	*	PUNCT
fsr-3204	191	323	3.38	3.38	NUM
fsr-3204	191	324	0.147	0.147	NUM
fsr-3204	191	325	1.643	1.643	NUM
fsr-3204	191	326	0.263	0.263	NUM
fsr-3204	191	327	*	*	PUNCT
fsr-3204	191	328	*	*	PUNCT
fsr-3204	191	329	2.46	2.46	NUM
fsr-3204	191	330	0.107	0.107	NUM
fsr-3204	191	331	1.301	1.301	NUM
fsr-3204	191	332	employment	employment	NOUN
fsr-3204	191	333	(	(	PUNCT
fsr-3204	191	334	reference	reference	NOUN
fsr-3204	191	335	category	category	NOUN
fsr-3204	191	336	:	:	PUNCT
fsr-3204	191	337	self	self	NOUN
fsr-3204	191	338	employed	employ	VERB
fsr-3204	191	339	)	)	PUNCT
fsr-3204	191	340	employed	employ	VERB
fsr-3204	191	341	full	full	ADJ
fsr-3204	191	342	-	-	PUNCT
fsr-3204	191	343	time	time	NOUN
fsr-3204	191	344	�	�	NOUN
fsr-3204	191	345	0.344	0.344	NOUN
fsr-3204	191	346	*	*	SYM
fsr-3204	191	347	*	*	PUNCT
fsr-3204	191	348	*	*	PUNCT
fsr-3204	191	349	�	�	PROPN
fsr-3204	191	350	4.44	4.44	NUM
fsr-3204	191	351	0.077	0.077	NUM
fsr-3204	191	352	0.709	0.709	NUM
fsr-3204	191	353	�	�	PROPN
fsr-3204	191	354	0.280	0.280	NUM
fsr-3204	191	355	*	*	PUNCT
fsr-3204	191	356	*	*	PUNCT
fsr-3204	191	357	*	*	PUNCT
fsr-3204	191	358	�	�	PROPN
fsr-3204	191	359	4.51	4.51	NUM
fsr-3204	191	360	0.062	0.062	NUM
fsr-3204	191	361	0.756	0.756	NUM
fsr-3204	191	362	employed	employ	VERB
fsr-3204	191	363	part	part	ADJ
fsr-3204	191	364	-	-	PUNCT
fsr-3204	191	365	time	time	NOUN
fsr-3204	191	366	�	�	PROPN
fsr-3204	191	367	0.415	0.415	NUM
fsr-3204	191	368	*	*	NOUN
fsr-3204	191	369	*	*	PUNCT
fsr-3204	191	370	*	*	PUNCT
fsr-3204	191	371	�	�	PROPN
fsr-3204	191	372	3.73	3.73	NUM
fsr-3204	191	373	0.111	0.111	NUM
fsr-3204	191	374	0.661	0.661	NUM
fsr-3204	191	375	�	�	PROPN
fsr-3204	191	376	0.206	0.206	NUM
fsr-3204	191	377	*	*	PUNCT
fsr-3204	191	378	*	*	PUNCT
fsr-3204	191	379	�	�	PROPN
fsr-3204	191	380	2.55	2.55	NUM
fsr-3204	191	381	0.081	0.081	NUM
fsr-3204	191	382	0.814	0.814	NUM
fsr-3204	191	383	homemaker	homemaker	NOUN
fsr-3204	191	384	�	�	PROPN
fsr-3204	191	385	0.165	0.165	NUM
fsr-3204	191	386	�	�	PROPN
fsr-3204	191	387	1.40	1.40	NUM
fsr-3204	191	388	0.118	0.118	NUM
fsr-3204	191	389	0.848	0.848	NUM
fsr-3204	191	390	�	�	PROPN
fsr-3204	191	391	0.046	0.046	NUM
fsr-3204	191	392	�	�	PROPN
fsr-3204	191	393	0.53	0.53	NUM
fsr-3204	191	394	0.087	0.087	NUM
fsr-3204	191	395	0.955	0.955	NUM
fsr-3204	191	396	full	full	ADJ
fsr-3204	191	397	-	-	PUNCT
fsr-3204	191	398	time	time	NOUN
fsr-3204	191	399	student	student	NOUN
fsr-3204	191	400	�	�	PROPN
fsr-3204	191	401	0.162	0.162	NUM
fsr-3204	191	402	�	�	PROPN
fsr-3204	191	403	1.05	1.05	NUM
fsr-3204	191	404	0.155	0.155	NUM
fsr-3204	191	405	0.850	0.850	NUM
fsr-3204	191	406	�	�	PROPN
fsr-3204	191	407	0.079	0.079	NUM
fsr-3204	191	408	�	�	PROPN
fsr-3204	191	409	0.67	0.67	NUM
fsr-3204	191	410	0.118	0.118	NUM
fsr-3204	191	411	0.924	0.924	NUM
fsr-3204	191	412	disabled	disabled	ADJ
fsr-3204	191	413	0.038	0.038	NUM
fsr-3204	191	414	0.25	0.25	NUM
fsr-3204	191	415	0.156	0.156	NUM
fsr-3204	191	416	1.039	1.039	NUM
fsr-3204	191	417	�	�	PROPN
fsr-3204	191	418	0.141	0.141	NUM
fsr-3204	191	419	�	�	NOUN
fsr-3204	191	420	1.19	1.19	NUM
fsr-3204	191	421	0.118	0.118	NUM
fsr-3204	191	422	0.869	0.869	NUM
fsr-3204	191	423	unemployed	unemployed	ADJ
fsr-3204	191	424	�	�	PROPN
fsr-3204	191	425	0.108	0.108	NUM
fsr-3204	191	426	�	�	NOUN
fsr-3204	191	427	0.94	0.94	NUM
fsr-3204	191	428	0.114	0.114	NUM
fsr-3204	191	429	0.898	0.898	NUM
fsr-3204	191	430	�	�	PROPN
fsr-3204	191	431	0.052	0.052	NUM
fsr-3204	191	432	�	�	PROPN
fsr-3204	191	433	0.60	0.60	NUM
fsr-3204	191	434	0.088	0.088	NUM
fsr-3204	191	435	0.949	0.949	NUM
fsr-3204	191	436	retired	retired	ADJ
fsr-3204	191	437	�	�	PROPN
fsr-3204	191	438	0.145	0.145	NUM
fsr-3204	191	439	�	�	PROPN
fsr-3204	191	440	1.38	1.38	NUM
fsr-3204	191	441	0.105	0.105	NUM
fsr-3204	191	442	0.865	0.865	NUM
fsr-3204	191	443	�	�	NOUN
fsr-3204	191	444	0.209	0.209	NUM
fsr-3204	191	445	*	*	PUNCT
fsr-3204	191	446	*	*	PUNCT
fsr-3204	191	447	*	*	PUNCT
fsr-3204	191	448	�	�	PROPN
fsr-3204	191	449	2.63	2.63	NUM
fsr-3204	191	450	0.079	0.079	NUM
fsr-3204	191	451	0.812	0.812	NUM
fsr-3204	191	452	region	region	NOUN
fsr-3204	191	453	(	(	PUNCT
fsr-3204	191	454	reference	reference	NOUN
fsr-3204	191	455	category	category	NOUN
fsr-3204	191	456	:	:	PUNCT
fsr-3204	191	457	northeast	northeast	ADJ
fsr-3204	191	458	)	)	PUNCT
fsr-3204	191	459	midwest	midwest	PROPN
fsr-3204	191	460	�	�	PROPN
fsr-3204	191	461	0.372	0.372	NUM
fsr-3204	191	462	*	*	PUNCT
fsr-3204	191	463	*	*	PUNCT
fsr-3204	191	464	*	*	PUNCT
fsr-3204	191	465	�	�	PROPN
fsr-3204	191	466	4.91	4.91	NUM
fsr-3204	191	467	0.076	0.076	NUM
fsr-3204	191	468	0.689	0.689	NUM
fsr-3204	191	469	�	�	PROPN
fsr-3204	191	470	0.143	0.143	NUM
fsr-3204	191	471	*	*	PUNCT
fsr-3204	191	472	*	*	PUNCT
fsr-3204	191	473	*	*	PUNCT
fsr-3204	191	474	�	�	PROPN
fsr-3204	191	475	2.61	2.61	NUM
fsr-3204	191	476	0.055	0.055	NUM
fsr-3204	191	477	0.867	0.867	NUM
fsr-3204	191	478	south	south	ADJ
fsr-3204	191	479	�	�	PROPN
fsr-3204	191	480	0.203	0.203	NUM
fsr-3204	191	481	*	*	PUNCT
fsr-3204	191	482	*	*	PUNCT
fsr-3204	191	483	*	*	PUNCT
fsr-3204	191	484	�	�	PROPN
fsr-3204	191	485	2.93	2.93	NUM
fsr-3204	191	486	0.069	0.069	NUM
fsr-3204	191	487	0.816	0.816	NUM
fsr-3204	191	488	0.070	0.070	NUM
fsr-3204	191	489	1.35	1.35	NUM
fsr-3204	191	490	0.052	0.052	NUM
fsr-3204	191	491	1.072	1.072	NUM
fsr-3204	191	492	west	west	PROPN
fsr-3204	191	493	�	�	PROPN
fsr-3204	191	494	0.120	0.120	NUM
fsr-3204	191	495	*	*	SYM
fsr-3204	191	496	�	�	PROPN
fsr-3204	191	497	1.68	1.68	NUM
fsr-3204	191	498	0.071	0.071	NUM
fsr-3204	191	499	0.887	0.887	NUM
fsr-3204	191	500	0.071	0.071	NUM
fsr-3204	191	501	1.32	1.32	NUM
fsr-3204	191	502	0.054	0.054	NUM
fsr-3204	191	503	1.074	1.074	NUM
fsr-3204	191	504	the	the	DET
fsr-3204	191	505	dependent	dependent	ADJ
fsr-3204	191	506	variable	variable	NOUN
fsr-3204	191	507	,	,	PUNCT
fsr-3204	191	508	considered	consider	VERB
fsr-3204	191	509	�	�	PROPN
fsr-3204	191	510	1	1	NUM
fsr-3204	191	511	financial	financial	ADJ
fsr-3204	191	512	adviser	adviser	NOUN
fsr-3204	191	513	,	,	PUNCT
fsr-3204	191	514	is	be	AUX
fsr-3204	191	515	set	set	VERB
fsr-3204	191	516	equal	equal	ADJ
fsr-3204	191	517	to	to	ADP
fsr-3204	191	518	1	1	NUM
fsr-3204	191	519	if	if	SCONJ
fsr-3204	191	520	the	the	DET
fsr-3204	191	521	respondent	respondent	NOUN
fsr-3204	191	522	considered	consider	VERB
fsr-3204	191	523	more	more	ADJ
fsr-3204	191	524	than	than	ADP
fsr-3204	191	525	one	one	NUM
fsr-3204	191	526	financial	financial	ADJ
fsr-3204	191	527	adviser	adviser	NOUN
fsr-3204	191	528	before	before	ADP
fsr-3204	191	529	making	make	VERB
fsr-3204	191	530	a	a	DET
fsr-3204	191	531	choice	choice	NOUN
fsr-3204	191	532	,	,	PUNCT
fsr-3204	191	533	0	0	NUM
fsr-3204	191	534	otherwise	otherwise	ADV
fsr-3204	191	535	.	.	PUNCT
fsr-3204	192	1	the	the	DET
fsr-3204	192	2	independent	independent	ADJ
fsr-3204	192	3	variables	variable	NOUN
fsr-3204	192	4	debt	debt	NOUN
fsr-3204	192	5	counseling	counseling	NOUN
fsr-3204	192	6	,	,	PUNCT
fsr-3204	192	7	savings	saving	NOUN
fsr-3204	192	8	or	or	CCONJ
fsr-3204	192	9	investments	investment	NOUN
fsr-3204	192	10	,	,	PUNCT
fsr-3204	192	11	mortgage	mortgage	NOUN
fsr-3204	192	12	or	or	CCONJ
fsr-3204	192	13	loan	loan	NOUN
fsr-3204	192	14	,	,	PUNCT
fsr-3204	192	15	insurance	insurance	NOUN
fsr-3204	192	16	,	,	PUNCT
fsr-3204	192	17	tax	tax	NOUN
fsr-3204	192	18	planning	planning	NOUN
fsr-3204	192	19	are	be	AUX
fsr-3204	192	20	variables	variable	NOUN
fsr-3204	192	21	set	set	VERB
fsr-3204	192	22	equal	equal	ADJ
fsr-3204	192	23	to	to	ADP
fsr-3204	192	24	1	1	NUM
fsr-3204	192	25	if	if	SCONJ
fsr-3204	192	26	the	the	DET
fsr-3204	192	27	respondents	respondent	NOUN
fsr-3204	192	28	used	use	VERB
fsr-3204	192	29	that	that	DET
fsr-3204	192	30	type	type	NOUN
fsr-3204	192	31	of	of	ADP
fsr-3204	192	32	financial	financial	ADJ
fsr-3204	192	33	adviser	adviser	NOUN
fsr-3204	192	34	in	in	ADP
fsr-3204	192	35	the	the	DET
fsr-3204	192	36	past	past	ADJ
fsr-3204	192	37	five	five	NUM
fsr-3204	192	38	years	year	NOUN
fsr-3204	192	39	,	,	PUNCT
fsr-3204	192	40	0	0	NUM
fsr-3204	193	1	otherwise	otherwise	ADV
fsr-3204	193	2	.	.	PUNCT
fsr-3204	194	1	the	the	DET
fsr-3204	194	2	other	other	ADJ
fsr-3204	194	3	independent	independent	ADJ
fsr-3204	194	4	variables	variable	NOUN
fsr-3204	194	5	include	include	VERB
fsr-3204	194	6	female	female	NOUN
fsr-3204	194	7	,	,	PUNCT
fsr-3204	194	8	age	age	NOUN
fsr-3204	194	9	,	,	PUNCT
fsr-3204	194	10	black	black	ADJ
fsr-3204	194	11	(	(	PUNCT
fsr-3204	194	12	non	non	ADJ
fsr-3204	194	13	-	-	ADJ
fsr-3204	194	14	hispanic	hispanic	ADJ
fsr-3204	194	15	)	)	PUNCT
fsr-3204	194	16	,	,	PUNCT
fsr-3204	194	17	education	education	NOUN
fsr-3204	194	18	,	,	PUNCT
fsr-3204	194	19	marital	marital	ADJ
fsr-3204	194	20	status	status	NOUN
fsr-3204	194	21	,	,	PUNCT
fsr-3204	194	22	income	income	NOUN
fsr-3204	194	23	,	,	PUNCT
fsr-3204	194	24	employment	employment	NOUN
fsr-3204	194	25	,	,	PUNCT
fsr-3204	194	26	and	and	CCONJ
fsr-3204	194	27	region	region	NOUN
fsr-3204	194	28	.	.	PUNCT
fsr-3204	195	1	positive	positive	ADJ
fsr-3204	195	2	(	(	PUNCT
fsr-3204	195	3	negative	negative	ADJ
fsr-3204	195	4	)	)	PUNCT
fsr-3204	195	5	coefficient	coefficient	NOUN
fsr-3204	195	6	estimates	estimate	NOUN
fsr-3204	195	7	indicate	indicate	VERB
fsr-3204	195	8	that	that	SCONJ
fsr-3204	195	9	demographic	demographic	ADJ
fsr-3204	195	10	characteristic	characteristic	NOUN
fsr-3204	195	11	is	be	AUX
fsr-3204	195	12	more	more	ADV
fsr-3204	195	13	(	(	PUNCT
fsr-3204	195	14	less	less	ADJ
fsr-3204	195	15	)	)	PUNCT
fsr-3204	195	16	likely	likely	ADJ
fsr-3204	195	17	to	to	PART
fsr-3204	195	18	check	check	VERB
fsr-3204	195	19	the	the	DET
fsr-3204	195	20	background	background	NOUN
fsr-3204	195	21	of	of	ADP
fsr-3204	195	22	their	their	PRON
fsr-3204	195	23	adviser	adviser	NOUN
fsr-3204	195	24	,	,	PUNCT
fsr-3204	195	25	or	or	CCONJ
fsr-3204	195	26	consider	consider	VERB
fsr-3204	195	27	more	more	ADJ
fsr-3204	195	28	than	than	ADP
fsr-3204	195	29	one	one	NUM
fsr-3204	195	30	financial	financial	ADJ
fsr-3204	195	31	adviser	adviser	NOUN
fsr-3204	195	32	before	before	ADP
fsr-3204	195	33	making	make	VERB
fsr-3204	195	34	a	a	DET
fsr-3204	195	35	choice	choice	NOUN
fsr-3204	195	36	,	,	PUNCT
fsr-3204	195	37	compared	compare	VERB
fsr-3204	195	38	with	with	ADP
fsr-3204	195	39	the	the	DET
fsr-3204	195	40	indicated	indicate	VERB
fsr-3204	195	41	reference	reference	NOUN
fsr-3204	195	42	category	category	NOUN
fsr-3204	195	43	.	.	PUNCT
fsr-3204	196	1	*	*	PUNCT
fsr-3204	197	1	*	*	PUNCT
fsr-3204	197	2	*	*	PUNCT
fsr-3204	197	3	,	,	PUNCT
fsr-3204	197	4	*	*	PUNCT
fsr-3204	197	5	*	*	PUNCT
fsr-3204	197	6	,	,	PUNCT
fsr-3204	197	7	*	*	PUNCT
fsr-3204	197	8	denote	denote	NOUN
fsr-3204	197	9	significance	significance	NOUN
fsr-3204	197	10	at	at	ADP
fsr-3204	197	11	the	the	DET
fsr-3204	197	12	1	1	NUM
fsr-3204	197	13	%	%	NOUN
fsr-3204	197	14	,	,	PUNCT
fsr-3204	197	15	5	5	NUM
fsr-3204	197	16	%	%	NOUN
fsr-3204	197	17	,	,	PUNCT
fsr-3204	197	18	and	and	CCONJ
fsr-3204	197	19	10	10	NUM
fsr-3204	197	20	%	%	NOUN
fsr-3204	197	21	levels	level	NOUN
fsr-3204	197	22	,	,	PUNCT
fsr-3204	197	23	respectively	respectively	ADV
fsr-3204	197	24	.	.	PUNCT
fsr-3204	197	25	320	320	NUM
fsr-3204	197	26	b.	b.	PROPN
fsr-3204	197	27	balasubramnian	balasubramnian	PROPN
fsr-3204	197	28	et	et	PROPN
fsr-3204	197	29	al	al	PROPN
fsr-3204	197	30	.	.	PUNCT
fsr-3204	197	31	/	/	SYM
fsr-3204	197	32	financial	financial	ADJ
fsr-3204	197	33	services	service	NOUN
fsr-3204	197	34	review	review	VERB
fsr-3204	197	35	23	23	NUM
fsr-3204	197	36	(	(	PUNCT
fsr-3204	197	37	2014	2014	NUM
fsr-3204	197	38	)	)	PUNCT
fsr-3204	198	1	305–324	305–324	NUM
fsr-3204	198	2	adviser	adviser	NOUN
fsr-3204	198	3	trust	trust	NOUN
fsr-3204	198	4	levels	level	NOUN
fsr-3204	198	5	.	.	PUNCT
fsr-3204	199	1	however	however	ADV
fsr-3204	199	2	,	,	PUNCT
fsr-3204	199	3	we	we	PRON
fsr-3204	199	4	find	find	VERB
fsr-3204	199	5	no	no	DET
fsr-3204	199	6	significant	significant	ADJ
fsr-3204	199	7	relationship	relationship	NOUN
fsr-3204	199	8	between	between	ADP
fsr-3204	199	9	considering	consider	VERB
fsr-3204	199	10	more	more	ADJ
fsr-3204	199	11	than	than	ADP
fsr-3204	199	12	one	one	NUM
fsr-3204	199	13	financial	financial	ADJ
fsr-3204	199	14	adviser	adviser	NOUN
fsr-3204	199	15	and	and	CCONJ
fsr-3204	199	16	trust	trust	NOUN
fsr-3204	199	17	levels	level	NOUN
fsr-3204	199	18	in	in	ADP
fsr-3204	199	19	financial	financial	ADJ
fsr-3204	199	20	advisers	adviser	NOUN
fsr-3204	199	21	.	.	PUNCT
fsr-3204	200	1	in	in	ADP
fsr-3204	200	2	summary	summary	NOUN
fsr-3204	200	3	,	,	PUNCT
fsr-3204	200	4	these	these	DET
fsr-3204	200	5	results	result	NOUN
fsr-3204	200	6	may	may	AUX
fsr-3204	200	7	indicate	indicate	VERB
fsr-3204	200	8	that	that	SCONJ
fsr-3204	200	9	checking	check	VERB
fsr-3204	200	10	a	a	DET
fsr-3204	200	11	financial	financial	ADJ
fsr-3204	200	12	adviser	adviser	NOUN
fsr-3204	200	13	’s	’s	PART
fsr-3204	200	14	background	background	NOUN
fsr-3204	200	15	helps	help	VERB
fsr-3204	200	16	develop	develop	VERB
fsr-3204	200	17	trust	trust	NOUN
fsr-3204	200	18	in	in	ADP
fsr-3204	200	19	that	that	DET
fsr-3204	200	20	financial	financial	ADJ
fsr-3204	200	21	adviser	adviser	NOUN
fsr-3204	200	22	.	.	PUNCT
fsr-3204	201	1	however	however	ADV
fsr-3204	201	2	,	,	PUNCT
fsr-3204	201	3	simply	simply	ADV
fsr-3204	201	4	considering	consider	VERB
fsr-3204	201	5	more	more	ADJ
fsr-3204	201	6	than	than	ADP
fsr-3204	201	7	one	one	NUM
fsr-3204	201	8	adviser	adviser	NOUN
fsr-3204	201	9	does	do	AUX
fsr-3204	201	10	not	not	PART
fsr-3204	201	11	necessarily	necessarily	ADV
fsr-3204	201	12	develop	develop	VERB
fsr-3204	201	13	higher	high	ADJ
fsr-3204	201	14	trust	trust	NOUN
fsr-3204	201	15	levels	level	NOUN
fsr-3204	201	16	in	in	ADP
fsr-3204	201	17	the	the	DET
fsr-3204	201	18	financial	financial	ADJ
fsr-3204	201	19	adviser	adviser	NOUN
fsr-3204	201	20	that	that	PRON
fsr-3204	201	21	is	be	AUX
fsr-3204	201	22	eventually	eventually	ADV
fsr-3204	201	23	chosen	choose	VERB
fsr-3204	201	24	.	.	PUNCT
fsr-3204	202	1	perhaps	perhaps	ADV
fsr-3204	202	2	post	post	ADJ
fsr-3204	202	3	-	-	ADJ
fsr-3204	202	4	selection	selection	ADJ
fsr-3204	202	5	monitoring	monitoring	NOUN
fsr-3204	202	6	is	be	AUX
fsr-3204	202	7	more	more	ADV
fsr-3204	202	8	important	important	ADJ
fsr-3204	202	9	for	for	ADP
fsr-3204	202	10	financial	financial	ADJ
fsr-3204	202	11	adviser	adviser	NOUN
fsr-3204	202	12	users	user	NOUN
fsr-3204	202	13	who	who	PRON
fsr-3204	202	14	only	only	ADV
fsr-3204	202	15	consider	consider	VERB
fsr-3204	202	16	more	more	ADJ
fsr-3204	202	17	than	than	ADP
fsr-3204	202	18	one	one	NUM
fsr-3204	202	19	adviser	adviser	NOUN
fsr-3204	202	20	as	as	ADP
fsr-3204	202	21	their	their	PRON
fsr-3204	202	22	only	only	ADJ
fsr-3204	202	23	pre	pre	ADJ
fsr-3204	202	24	-	-	ADJ
fsr-3204	202	25	selection	selection	ADJ
fsr-3204	202	26	monitoring	monitoring	NOUN
fsr-3204	202	27	activity	activity	NOUN
fsr-3204	202	28	.	.	PUNCT
fsr-3204	203	1	overall	overall	ADV
fsr-3204	203	2	,	,	PUNCT
fsr-3204	203	3	our	our	PRON
fsr-3204	203	4	results	result	NOUN
fsr-3204	203	5	indicate	indicate	VERB
fsr-3204	203	6	that	that	SCONJ
fsr-3204	203	7	having	have	VERB
fsr-3204	203	8	a	a	DET
fsr-3204	203	9	reliable	reliable	ADJ
fsr-3204	203	10	system	system	NOUN
fsr-3204	203	11	in	in	ADP
fsr-3204	203	12	place	place	NOUN
fsr-3204	203	13	that	that	PRON
fsr-3204	203	14	allows	allow	VERB
fsr-3204	203	15	financial	financial	ADJ
fsr-3204	203	16	consumers	consumer	NOUN
fsr-3204	203	17	to	to	PART
fsr-3204	203	18	conduct	conduct	VERB
fsr-3204	203	19	background	background	NOUN
fsr-3204	203	20	checks	check	NOUN
fsr-3204	203	21	of	of	ADP
fsr-3204	203	22	financial	financial	ADJ
fsr-3204	203	23	advisers	adviser	NOUN
fsr-3204	203	24	in	in	ADP
fsr-3204	203	25	an	an	DET
fsr-3204	203	26	easy	easy	ADJ
fsr-3204	203	27	and	and	CCONJ
fsr-3204	203	28	efficient	efficient	ADJ
fsr-3204	203	29	manner	manner	NOUN
fsr-3204	203	30	may	may	AUX
fsr-3204	203	31	help	help	VERB
fsr-3204	203	32	develop	develop	VERB
fsr-3204	203	33	trust	trust	NOUN
fsr-3204	203	34	in	in	ADP
fsr-3204	203	35	financial	financial	ADJ
fsr-3204	203	36	advisers	adviser	NOUN
fsr-3204	203	37	.	.	PUNCT
fsr-3204	204	1	5	5	X
fsr-3204	204	2	.	.	X
fsr-3204	204	3	summary	summary	NOUN
fsr-3204	204	4	and	and	CCONJ
fsr-3204	204	5	conclusions	conclusion	NOUN
fsr-3204	204	6	using	use	VERB
fsr-3204	204	7	the	the	DET
fsr-3204	204	8	2009	2009	NUM
fsr-3204	204	9	nfcs	nfc	NOUN
fsr-3204	204	10	conducted	conduct	VERB
fsr-3204	204	11	by	by	ADP
fsr-3204	204	12	finra	finra	PROPN
fsr-3204	204	13	we	we	PRON
fsr-3204	204	14	identify	identify	VERB
fsr-3204	204	15	demographic	demographic	ADJ
fsr-3204	204	16	characteristics	characteristic	NOUN
fsr-3204	204	17	associated	associate	VERB
fsr-3204	204	18	with	with	ADP
fsr-3204	204	19	financial	financial	ADJ
fsr-3204	204	20	consumers	consumer	NOUN
fsr-3204	204	21	who	who	PRON
fsr-3204	204	22	conduct	conduct	VERB
fsr-3204	204	23	prescreening	prescreene	VERB
fsr-3204	204	24	monitoring	monitoring	NOUN
fsr-3204	204	25	when	when	SCONJ
fsr-3204	204	26	choosing	choose	VERB
fsr-3204	204	27	financial	financial	ADJ
fsr-3204	204	28	advisers	adviser	NOUN
fsr-3204	204	29	.	.	PUNCT
fsr-3204	205	1	the	the	DET
fsr-3204	205	2	two	two	NUM
fsr-3204	205	3	prescreening	prescreene	VERB
fsr-3204	205	4	monitoring	monitoring	NOUN
fsr-3204	205	5	considered	consider	VERB
fsr-3204	205	6	include	include	VERB
fsr-3204	205	7	checking	check	VERB
fsr-3204	205	8	the	the	DET
fsr-3204	205	9	background	background	NOUN
fsr-3204	205	10	of	of	ADP
fsr-3204	205	11	financial	financial	ADJ
fsr-3204	205	12	advisers	adviser	NOUN
fsr-3204	205	13	and	and	CCONJ
fsr-3204	205	14	considering	consider	VERB
fsr-3204	205	15	more	more	ADJ
fsr-3204	205	16	than	than	ADP
fsr-3204	205	17	one	one	NUM
fsr-3204	205	18	financial	financial	ADJ
fsr-3204	205	19	adviser	adviser	NOUN
fsr-3204	205	20	before	before	ADP
fsr-3204	205	21	making	make	VERB
fsr-3204	205	22	a	a	DET
fsr-3204	205	23	choice	choice	NOUN
fsr-3204	205	24	.	.	PUNCT
fsr-3204	206	1	we	we	PRON
fsr-3204	206	2	also	also	ADV
fsr-3204	206	3	test	test	VERB
fsr-3204	206	4	if	if	SCONJ
fsr-3204	206	5	these	these	DET
fsr-3204	206	6	prescreening	prescreene	VERB
fsr-3204	206	7	monitoring	monitoring	NOUN
fsr-3204	206	8	improve	improve	VERB
fsr-3204	206	9	the	the	DET
fsr-3204	206	10	level	level	NOUN
fsr-3204	206	11	of	of	ADP
fsr-3204	206	12	trust	trust	NOUN
fsr-3204	206	13	financial	financial	ADJ
fsr-3204	206	14	consumers	consumer	NOUN
fsr-3204	206	15	have	have	VERB
fsr-3204	206	16	in	in	ADP
fsr-3204	206	17	their	their	PRON
fsr-3204	206	18	financial	financial	ADJ
fsr-3204	206	19	advisers	adviser	NOUN
fsr-3204	206	20	.	.	PUNCT
fsr-3204	207	1	we	we	PRON
fsr-3204	207	2	consider	consider	VERB
fsr-3204	207	3	five	five	NUM
fsr-3204	207	4	different	different	ADJ
fsr-3204	207	5	financial	financial	ADJ
fsr-3204	207	6	adviser	adviser	NOUN
fsr-3204	207	7	types	type	NOUN
fsr-3204	207	8	throughout	throughout	ADP
fsr-3204	207	9	our	our	PRON
fsr-3204	207	10	study	study	NOUN
fsr-3204	207	11	to	to	PART
fsr-3204	207	12	include	include	VERB
fsr-3204	207	13	debt	debt	NOUN
fsr-3204	207	14	counseling	counseling	NOUN
fsr-3204	207	15	,	,	PUNCT
fsr-3204	207	16	savings	saving	NOUN
fsr-3204	207	17	and	and	CCONJ
fsr-3204	207	18	investments	investment	NOUN
fsr-3204	207	19	,	,	PUNCT
fsr-3204	207	20	mortgage	mortgage	NOUN
fsr-3204	207	21	and	and	CCONJ
fsr-3204	207	22	loan	loan	NOUN
fsr-3204	207	23	,	,	PUNCT
fsr-3204	207	24	insurance	insurance	NOUN
fsr-3204	207	25	,	,	PUNCT
fsr-3204	207	26	and	and	CCONJ
fsr-3204	207	27	tax	tax	NOUN
fsr-3204	207	28	planning	planning	NOUN
fsr-3204	207	29	.	.	PUNCT
fsr-3204	208	1	we	we	PRON
fsr-3204	208	2	find	find	VERB
fsr-3204	208	3	that	that	SCONJ
fsr-3204	208	4	only	only	ADV
fsr-3204	208	5	14.2	14.2	NUM
fsr-3204	208	6	%	%	NOUN
fsr-3204	208	7	of	of	ADP
fsr-3204	208	8	financial	financial	ADJ
fsr-3204	208	9	adviser	adviser	NOUN
fsr-3204	208	10	users	user	NOUN
fsr-3204	208	11	responding	respond	VERB
fsr-3204	208	12	to	to	ADP
fsr-3204	208	13	the	the	DET
fsr-3204	208	14	nfcs	nfcs	PROPN
fsr-3204	208	15	survey	survey	NOUN
fsr-3204	208	16	have	have	AUX
fsr-3204	208	17	checked	check	VERB
fsr-3204	208	18	the	the	DET
fsr-3204	208	19	background	background	NOUN
fsr-3204	208	20	of	of	ADP
fsr-3204	208	21	a	a	DET
fsr-3204	208	22	financial	financial	ADJ
fsr-3204	208	23	adviser	adviser	NOUN
fsr-3204	208	24	in	in	ADP
fsr-3204	208	25	the	the	DET
fsr-3204	208	26	past	past	ADJ
fsr-3204	208	27	five	five	NUM
fsr-3204	208	28	years	year	NOUN
fsr-3204	208	29	,	,	PUNCT
fsr-3204	208	30	but	but	CCONJ
fsr-3204	208	31	nearly	nearly	ADV
fsr-3204	208	32	46	46	NUM
fsr-3204	208	33	%	%	NOUN
fsr-3204	208	34	of	of	ADP
fsr-3204	208	35	these	these	DET
fsr-3204	208	36	financial	financial	ADJ
fsr-3204	208	37	adviser	adviser	NOUN
fsr-3204	208	38	users	user	NOUN
fsr-3204	208	39	considered	consider	VERB
fsr-3204	208	40	more	more	ADJ
fsr-3204	208	41	than	than	ADP
fsr-3204	208	42	one	one	NUM
fsr-3204	208	43	adviser	adviser	NOUN
fsr-3204	208	44	before	before	ADP
fsr-3204	208	45	making	make	VERB
fsr-3204	208	46	a	a	DET
fsr-3204	208	47	choice	choice	NOUN
fsr-3204	208	48	.	.	PUNCT
fsr-3204	209	1	higher	high	ADJ
fsr-3204	209	2	percentages	percentage	NOUN
fsr-3204	209	3	of	of	ADP
fsr-3204	209	4	financial	financial	ADJ
fsr-3204	209	5	consumers	consumer	NOUN
fsr-3204	209	6	using	use	VERB
fsr-3204	209	7	debt	debt	NOUN
fsr-3204	209	8	counselors	counselor	NOUN
fsr-3204	209	9	and	and	CCONJ
fsr-3204	209	10	tax	tax	NOUN
fsr-3204	209	11	planning	planning	NOUN
fsr-3204	209	12	services	service	NOUN
fsr-3204	209	13	engage	engage	VERB
fsr-3204	209	14	in	in	ADP
fsr-3204	209	15	pre	pre	ADJ
fsr-3204	209	16	-	-	NOUN
fsr-3204	209	17	selection	selection	ADJ
fsr-3204	209	18	monitoring	monitoring	NOUN
fsr-3204	209	19	than	than	ADP
fsr-3204	209	20	those	those	PRON
fsr-3204	209	21	using	use	VERB
fsr-3204	209	22	other	other	ADJ
fsr-3204	209	23	financial	financial	ADJ
fsr-3204	209	24	adviser	adviser	NOUN
fsr-3204	209	25	types	type	NOUN
fsr-3204	209	26	.	.	PUNCT
fsr-3204	210	1	based	base	VERB
fsr-3204	210	2	on	on	ADP
fsr-3204	210	3	multinomial	multinomial	ADJ
fsr-3204	210	4	logit	logit	PROPN
fsr-3204	210	5	regression	regression	NOUN
fsr-3204	210	6	estimates	estimate	NOUN
fsr-3204	210	7	,	,	PUNCT
fsr-3204	210	8	we	we	PRON
fsr-3204	210	9	find	find	VERB
fsr-3204	210	10	that	that	SCONJ
fsr-3204	210	11	females	female	NOUN
fsr-3204	210	12	are	be	AUX
fsr-3204	210	13	less	less	ADV
fsr-3204	210	14	likely	likely	ADJ
fsr-3204	210	15	,	,	PUNCT
fsr-3204	210	16	and	and	CCONJ
fsr-3204	210	17	blacks	black	NOUN
fsr-3204	210	18	(	(	PUNCT
fsr-3204	210	19	compared	compare	VERB
fsr-3204	210	20	with	with	ADP
fsr-3204	210	21	whites	white	NOUN
fsr-3204	210	22	)	)	PUNCT
fsr-3204	210	23	more	more	ADV
fsr-3204	210	24	likely	likely	ADJ
fsr-3204	210	25	,	,	PUNCT
fsr-3204	210	26	to	to	PART
fsr-3204	210	27	conduct	conduct	VERB
fsr-3204	210	28	pre	pre	ADJ
fsr-3204	210	29	-	-	NOUN
fsr-3204	210	30	selection	selection	ADJ
fsr-3204	210	31	monitoring	monitoring	NOUN
fsr-3204	210	32	.	.	PUNCT
fsr-3204	211	1	we	we	PRON
fsr-3204	211	2	also	also	ADV
fsr-3204	211	3	find	find	VERB
fsr-3204	211	4	the	the	DET
fsr-3204	211	5	probability	probability	NOUN
fsr-3204	211	6	of	of	ADP
fsr-3204	211	7	conducting	conduct	VERB
fsr-3204	211	8	pre	pre	ADJ
fsr-3204	211	9	-	-	NOUN
fsr-3204	211	10	selection	selection	ADJ
fsr-3204	211	11	monitoring	monitoring	NOUN
fsr-3204	211	12	is	be	AUX
fsr-3204	211	13	monotonically	monotonically	ADV
fsr-3204	211	14	increasing	increase	VERB
fsr-3204	211	15	at	at	ADP
fsr-3204	211	16	higher	high	ADJ
fsr-3204	211	17	income	income	NOUN
fsr-3204	211	18	levels	level	NOUN
fsr-3204	211	19	above	above	ADP
fsr-3204	211	20	$	$	SYM
fsr-3204	211	21	35,000	35,000	NUM
fsr-3204	211	22	/	/	SYM
fsr-3204	211	23	year	year	NOUN
fsr-3204	211	24	,	,	PUNCT
fsr-3204	211	25	but	but	CCONJ
fsr-3204	211	26	decreases	decrease	VERB
fsr-3204	211	27	significantly	significantly	ADV
fsr-3204	211	28	for	for	ADP
fsr-3204	211	29	consumers	consumer	NOUN
fsr-3204	211	30	over	over	ADP
fsr-3204	211	31	the	the	DET
fsr-3204	211	32	age	age	NOUN
fsr-3204	211	33	of	of	ADP
fsr-3204	211	34	65	65	NUM
fsr-3204	211	35	.	.	PUNCT
fsr-3204	212	1	finally	finally	ADV
fsr-3204	212	2	,	,	PUNCT
fsr-3204	212	3	financial	financial	ADJ
fsr-3204	212	4	consumers	consumer	NOUN
fsr-3204	212	5	who	who	PRON
fsr-3204	212	6	are	be	AUX
fsr-3204	212	7	self	self	NOUN
fsr-3204	212	8	-	-	PUNCT
fsr-3204	212	9	employed	employ	VERB
fsr-3204	212	10	,	,	PUNCT
fsr-3204	212	11	and	and	CCONJ
fsr-3204	212	12	those	those	PRON
fsr-3204	212	13	living	live	VERB
fsr-3204	212	14	in	in	ADP
fsr-3204	212	15	the	the	DET
fsr-3204	212	16	northeast	northeast	NOUN
fsr-3204	212	17	(	(	PUNCT
fsr-3204	212	18	compared	compare	VERB
fsr-3204	212	19	with	with	ADP
fsr-3204	212	20	the	the	DET
fsr-3204	212	21	midwest	midw	ADJ
fsr-3204	212	22	,	,	PUNCT
fsr-3204	212	23	west	west	NOUN
fsr-3204	212	24	,	,	PUNCT
fsr-3204	212	25	and	and	CCONJ
fsr-3204	212	26	south	south	NOUN
fsr-3204	212	27	)	)	PUNCT
fsr-3204	212	28	are	be	AUX
fsr-3204	212	29	more	more	ADV
fsr-3204	212	30	likely	likely	ADJ
fsr-3204	212	31	to	to	PART
fsr-3204	212	32	conduct	conduct	VERB
fsr-3204	212	33	pre	pre	ADJ
fsr-3204	212	34	-	-	NOUN
fsr-3204	212	35	selection	selection	ADJ
fsr-3204	212	36	monitoring	monitoring	NOUN
fsr-3204	212	37	.	.	PUNCT
fsr-3204	213	1	table	table	NOUN
fsr-3204	213	2	6	6	NUM
fsr-3204	213	3	responses	response	NOUN
fsr-3204	213	4	from	from	ADP
fsr-3204	213	5	15,188	15,188	NUM
fsr-3204	213	6	survey	survey	NOUN
fsr-3204	213	7	respondents	respondent	NOUN
fsr-3204	213	8	who	who	PRON
fsr-3204	213	9	have	have	AUX
fsr-3204	213	10	used	use	VERB
fsr-3204	213	11	a	a	DET
fsr-3204	213	12	financial	financial	ADJ
fsr-3204	213	13	adviser	adviser	NOUN
fsr-3204	213	14	in	in	ADP
fsr-3204	213	15	the	the	DET
fsr-3204	213	16	past	past	ADJ
fsr-3204	213	17	five	five	NUM
fsr-3204	213	18	years	year	NOUN
fsr-3204	213	19	to	to	ADP
fsr-3204	213	20	the	the	DET
fsr-3204	213	21	question	question	NOUN
fsr-3204	213	22	regarding	regard	VERB
fsr-3204	213	23	their	their	PRON
fsr-3204	213	24	level	level	NOUN
fsr-3204	213	25	of	of	ADP
fsr-3204	213	26	trust	trust	NOUN
fsr-3204	213	27	in	in	ADP
fsr-3204	213	28	financial	financial	ADJ
fsr-3204	213	29	professionals	professional	NOUN
fsr-3204	213	30	and	and	CCONJ
fsr-3204	213	31	if	if	SCONJ
fsr-3204	213	32	they	they	PRON
fsr-3204	213	33	would	would	AUX
fsr-3204	213	34	accept	accept	VERB
fsr-3204	213	35	what	what	PRON
fsr-3204	213	36	they	they	PRON
fsr-3204	213	37	recommend	recommend	VERB
fsr-3204	213	38	i	i	PRON
fsr-3204	213	39	would	would	AUX
fsr-3204	213	40	trust	trust	VERB
fsr-3204	213	41	financial	financial	ADJ
fsr-3204	213	42	professionals	professional	NOUN
fsr-3204	213	43	and	and	CCONJ
fsr-3204	213	44	accept	accept	VERB
fsr-3204	213	45	what	what	PRON
fsr-3204	213	46	they	they	PRON
fsr-3204	213	47	recommend	recommend	VERB
fsr-3204	213	48	.	.	PUNCT
fsr-3204	214	1	strongly	strongly	ADV
fsr-3204	214	2	disagree	disagree	VERB
fsr-3204	214	3	5.4	5.4	NUM
fsr-3204	214	4	%	%	NOUN
fsr-3204	214	5	disagree	disagree	VERB
fsr-3204	214	6	18.2	18.2	NUM
fsr-3204	214	7	%	%	NOUN
fsr-3204	214	8	neither	neither	CCONJ
fsr-3204	214	9	agree	agree	VERB
fsr-3204	214	10	nor	nor	CCONJ
fsr-3204	214	11	disagree	disagree	VERB
fsr-3204	214	12	34.0	34.0	NUM
fsr-3204	214	13	%	%	NOUN
fsr-3204	214	14	agree	agree	VERB
fsr-3204	214	15	32.7	32.7	NUM
fsr-3204	214	16	%	%	NOUN
fsr-3204	214	17	strongly	strongly	ADV
fsr-3204	214	18	agree	agree	VERB
fsr-3204	214	19	6.6	6.6	NUM
fsr-3204	214	20	%	%	NOUN
fsr-3204	214	21	total	total	ADJ
fsr-3204	214	22	percentages	percentage	NOUN
fsr-3204	214	23	to	to	PART
fsr-3204	214	24	answer	answer	VERB
fsr-3204	214	25	in	in	ADP
fsr-3204	214	26	each	each	DET
fsr-3204	214	27	category	category	NOUN
fsr-3204	214	28	ranging	range	VERB
fsr-3204	214	29	from	from	ADP
fsr-3204	214	30	1	1	NUM
fsr-3204	214	31	(	(	PUNCT
fsr-3204	214	32	strongly	strongly	ADV
fsr-3204	214	33	disagree	disagree	VERB
fsr-3204	214	34	)	)	PUNCT
fsr-3204	214	35	to	to	ADP
fsr-3204	214	36	7	7	NUM
fsr-3204	214	37	(	(	PUNCT
fsr-3204	214	38	strongly	strongly	ADV
fsr-3204	214	39	agree	agree	VERB
fsr-3204	214	40	)	)	PUNCT
fsr-3204	214	41	,	,	PUNCT
fsr-3204	214	42	with	with	ADP
fsr-3204	214	43	the	the	DET
fsr-3204	214	44	middle	middle	ADJ
fsr-3204	214	45	category	category	NOUN
fsr-3204	214	46	4	4	NUM
fsr-3204	214	47	indicating	indicate	VERB
fsr-3204	214	48	that	that	SCONJ
fsr-3204	214	49	they	they	PRON
fsr-3204	214	50	neither	neither	CCONJ
fsr-3204	214	51	agree	agree	VERB
fsr-3204	214	52	nor	nor	CCONJ
fsr-3204	214	53	disagree	disagree	VERB
fsr-3204	214	54	.	.	PUNCT
fsr-3204	215	1	321b	321b	NOUN
fsr-3204	215	2	.	.	PUNCT
fsr-3204	216	1	balasubramnian	balasubramnian	PROPN
fsr-3204	216	2	et	et	PROPN
fsr-3204	216	3	al	al	PROPN
fsr-3204	216	4	.	.	PUNCT
fsr-3204	216	5	/	/	SYM
fsr-3204	216	6	financial	financial	ADJ
fsr-3204	216	7	services	service	NOUN
fsr-3204	216	8	review	review	VERB
fsr-3204	216	9	23	23	NUM
fsr-3204	216	10	(	(	PUNCT
fsr-3204	216	11	2014	2014	NUM
fsr-3204	216	12	)	)	PUNCT
fsr-3204	216	13	305–324	305–324	NUM
fsr-3204	216	14	table	table	NOUN
fsr-3204	216	15	7	7	NUM
fsr-3204	216	16	tobit	tobit	NOUN
fsr-3204	216	17	regression	regression	NOUN
fsr-3204	216	18	using	use	VERB
fsr-3204	216	19	15,188	15,188	NUM
fsr-3204	216	20	survey	survey	NOUN
fsr-3204	216	21	respondents	respondent	NOUN
fsr-3204	216	22	who	who	PRON
fsr-3204	216	23	have	have	AUX
fsr-3204	216	24	used	use	VERB
fsr-3204	216	25	a	a	DET
fsr-3204	216	26	financial	financial	ADJ
fsr-3204	216	27	adviser	adviser	NOUN
fsr-3204	216	28	in	in	ADP
fsr-3204	216	29	the	the	DET
fsr-3204	216	30	past	past	ADJ
fsr-3204	216	31	five	five	NUM
fsr-3204	216	32	years	year	NOUN
fsr-3204	216	33	where	where	SCONJ
fsr-3204	216	34	the	the	DET
fsr-3204	216	35	dependent	dependent	ADJ
fsr-3204	216	36	variable	variable	NOUN
fsr-3204	216	37	,	,	PUNCT
fsr-3204	216	38	trust	trust	NOUN
fsr-3204	216	39	financial	financial	ADJ
fsr-3204	216	40	adviser	adviser	NOUN
fsr-3204	216	41	,	,	PUNCT
fsr-3204	216	42	is	be	AUX
fsr-3204	216	43	a	a	DET
fsr-3204	216	44	categorical	categorical	ADJ
fsr-3204	216	45	variable	variable	NOUN
fsr-3204	216	46	ranging	range	VERB
fsr-3204	216	47	from	from	ADP
fsr-3204	216	48	1	1	NUM
fsr-3204	216	49	(	(	PUNCT
fsr-3204	216	50	strongly	strongly	ADV
fsr-3204	216	51	disagree	disagree	VERB
fsr-3204	216	52	)	)	PUNCT
fsr-3204	216	53	to	to	ADP
fsr-3204	216	54	7	7	NUM
fsr-3204	216	55	(	(	PUNCT
fsr-3204	216	56	strongly	strongly	ADV
fsr-3204	216	57	agree	agree	ADJ
fsr-3204	216	58	)	)	PUNCT
fsr-3204	216	59	trust	trust	NOUN
fsr-3204	216	60	in	in	ADP
fsr-3204	216	61	financial	financial	ADJ
fsr-3204	216	62	adviser	adviser	NOUN
fsr-3204	216	63	trust	trust	NOUN
fsr-3204	216	64	in	in	ADP
fsr-3204	216	65	financial	financial	ADJ
fsr-3204	216	66	adviser	adviser	NOUN
fsr-3204	216	67	coefficient	coefficient	NOUN
fsr-3204	216	68	t	t	PROPN
fsr-3204	216	69	-	-	PUNCT
fsr-3204	216	70	stat	stat	NOUN
fsr-3204	216	71	standard	standard	ADJ
fsr-3204	216	72	error	error	NOUN
fsr-3204	216	73	coefficient	coefficient	NOUN
fsr-3204	216	74	t	t	PROPN
fsr-3204	216	75	-	-	PUNCT
fsr-3204	216	76	stat	stat	NOUN
fsr-3204	216	77	standard	standard	ADJ
fsr-3204	216	78	error	error	NOUN
fsr-3204	216	79	constant	constant	ADJ
fsr-3204	216	80	4.642	4.642	NUM
fsr-3204	216	81	*	*	NOUN
fsr-3204	216	82	*	*	PUNCT
fsr-3204	216	83	*	*	PUNCT
fsr-3204	216	84	31.97	31.97	NUM
fsr-3204	216	85	0.145	0.145	NUM
fsr-3204	216	86	4.671	4.671	NUM
fsr-3204	216	87	*	*	PUNCT
fsr-3204	216	88	*	*	PUNCT
fsr-3204	216	89	*	*	X
fsr-3204	216	90	32.12	32.12	NUM
fsr-3204	216	91	0.145	0.145	NUM
fsr-3204	216	92	background	background	NOUN
fsr-3204	216	93	check	check	VERB
fsr-3204	216	94	0.108	0.108	NUM
fsr-3204	216	95	*	*	PUNCT
fsr-3204	216	96	*	*	PUNCT
fsr-3204	216	97	*	*	PUNCT
fsr-3204	216	98	2.60	2.60	NUM
fsr-3204	216	99	0.041	0.041	NUM
fsr-3204	216	100	considered	consider	VERB
fsr-3204	216	101	�	�	PROPN
fsr-3204	216	102	1	1	NUM
fsr-3204	216	103	financial	financial	ADJ
fsr-3204	216	104	adviser	adviser	NOUN
fsr-3204	216	105	�	�	PROPN
fsr-3204	216	106	0.001	0.001	NUM
fsr-3204	216	107	�	�	PROPN
fsr-3204	216	108	1.30	1.30	NUM
fsr-3204	216	109	0.001	0.001	NUM
fsr-3204	216	110	female	female	NOUN
fsr-3204	216	111	0.034	0.034	NUM
fsr-3204	216	112	1.14	1.14	NUM
fsr-3204	216	113	0.030	0.030	NUM
fsr-3204	216	114	0.033	0.033	NUM
fsr-3204	216	115	1.11	1.11	NUM
fsr-3204	216	116	0.030	0.030	NUM
fsr-3204	216	117	age	age	NOUN
fsr-3204	216	118	group	group	NOUN
fsr-3204	216	119	(	(	PUNCT
fsr-3204	216	120	reference	reference	NOUN
fsr-3204	216	121	category	category	NOUN
fsr-3204	216	122	:	:	PUNCT
fsr-3204	216	123	18–24	18–24	NUM
fsr-3204	216	124	)	)	PUNCT
fsr-3204	216	125	0	0	NUM
fsr-3204	216	126	0	0	NUM
fsr-3204	216	127	0	0	NUM
fsr-3204	216	128	25–34	25–34	NUM
fsr-3204	216	129	�	�	NOUN
fsr-3204	216	130	0.194	0.194	NUM
fsr-3204	216	131	*	*	PUNCT
fsr-3204	216	132	*	*	PUNCT
fsr-3204	216	133	*	*	PUNCT
fsr-3204	216	134	�	�	PROPN
fsr-3204	216	135	3.01	3.01	NUM
fsr-3204	216	136	0.064	0.064	NUM
fsr-3204	216	137	�	�	NOUN
fsr-3204	216	138	0.194	0.194	NUM
fsr-3204	216	139	*	*	PUNCT
fsr-3204	216	140	*	*	PUNCT
fsr-3204	216	141	*	*	PUNCT
fsr-3204	216	142	�	�	PROPN
fsr-3204	216	143	3.00	3.00	NUM
fsr-3204	216	144	0.064	0.064	NUM
fsr-3204	216	145	35–44	35–44	NUM
fsr-3204	216	146	�	�	NOUN
fsr-3204	216	147	0.506	0.506	NUM
fsr-3204	216	148	*	*	PUNCT
fsr-3204	216	149	*	*	PUNCT
fsr-3204	216	150	*	*	PUNCT
fsr-3204	216	151	�	�	PROPN
fsr-3204	216	152	7.78	7.78	NUM
fsr-3204	216	153	0.065	0.065	NUM
fsr-3204	216	154	�	�	PROPN
fsr-3204	216	155	0.505	0.505	NUM
fsr-3204	216	156	*	*	PUNCT
fsr-3204	216	157	*	*	PUNCT
fsr-3204	216	158	*	*	PUNCT
fsr-3204	216	159	�	�	PROPN
fsr-3204	216	160	7.78	7.78	NUM
fsr-3204	216	161	0.065	0.065	NUM
fsr-3204	216	162	45–54	45–54	NUM
fsr-3204	216	163	�	�	PROPN
fsr-3204	216	164	0.680	0.680	NUM
fsr-3204	216	165	*	*	PUNCT
fsr-3204	216	166	*	*	PUNCT
fsr-3204	216	167	*	*	PUNCT
fsr-3204	216	168	�	�	PROPN
fsr-3204	216	169	10.53	10.53	NUM
fsr-3204	216	170	0.065	0.065	NUM
fsr-3204	216	171	�	�	PROPN
fsr-3204	216	172	0.680	0.680	NUM
fsr-3204	216	173	*	*	PUNCT
fsr-3204	216	174	*	*	PUNCT
fsr-3204	216	175	*	*	PUNCT
fsr-3204	216	176	�	�	PROPN
fsr-3204	216	177	10.53	10.53	NUM
fsr-3204	216	178	0.065	0.065	NUM
fsr-3204	216	179	55–64	55–64	NUM
fsr-3204	216	180	�	�	NOUN
fsr-3204	216	181	0.776	0.776	NUM
fsr-3204	216	182	*	*	SYM
fsr-3204	216	183	*	*	PUNCT
fsr-3204	216	184	*	*	PUNCT
fsr-3204	216	185	�	�	PROPN
fsr-3204	216	186	11.28	11.28	NUM
fsr-3204	216	187	0.069	0.069	NUM
fsr-3204	216	188	�	�	NOUN
fsr-3204	216	189	0.776	0.776	NUM
fsr-3204	216	190	*	*	SYM
fsr-3204	216	191	*	*	PUNCT
fsr-3204	216	192	*	*	PUNCT
fsr-3204	216	193	�	�	PROPN
fsr-3204	216	194	11.28	11.28	NUM
fsr-3204	216	195	0.069	0.069	NUM
fsr-3204	216	196	65	65	NUM
fsr-3204	216	197	�	�	PROPN
fsr-3204	216	198	�	�	PROPN
fsr-3204	216	199	0.698	0.698	NUM
fsr-3204	216	200	*	*	PUNCT
fsr-3204	216	201	*	*	PUNCT
fsr-3204	216	202	*	*	PUNCT
fsr-3204	216	203	�	�	PROPN
fsr-3204	216	204	8.86	8.86	NUM
fsr-3204	216	205	0.079	0.079	NUM
fsr-3204	216	206	�	�	NOUN
fsr-3204	216	207	0.701	0.701	NUM
fsr-3204	216	208	*	*	PUNCT
fsr-3204	216	209	*	*	PUNCT
fsr-3204	216	210	*	*	PUNCT
fsr-3204	216	211	�	�	PROPN
fsr-3204	216	212	8.90	8.90	NUM
fsr-3204	216	213	0.079	0.079	NUM
fsr-3204	216	214	black	black	ADJ
fsr-3204	216	215	(	(	PUNCT
fsr-3204	216	216	non	non	ADJ
fsr-3204	216	217	-	-	ADJ
fsr-3204	216	218	hispanic	hispanic	ADJ
fsr-3204	216	219	)	)	PUNCT
fsr-3204	216	220	�	�	PROPN
fsr-3204	216	221	0.007	0.007	NUM
fsr-3204	216	222	�	�	PROPN
fsr-3204	216	223	0.19	0.19	NUM
fsr-3204	216	224	0.036	0.036	NUM
fsr-3204	216	225	�	�	PROPN
fsr-3204	216	226	0.003	0.003	NUM
fsr-3204	216	227	�	�	PROPN
fsr-3204	216	228	0.09	0.09	NUM
fsr-3204	216	229	0.036	0.036	NUM
fsr-3204	216	230	education	education	NOUN
fsr-3204	216	231	(	(	PUNCT
fsr-3204	216	232	reference	reference	NOUN
fsr-3204	216	233	category	category	NOUN
fsr-3204	216	234	:	:	PUNCT
fsr-3204	216	235	did	do	AUX
fsr-3204	216	236	not	not	PART
fsr-3204	216	237	complete	complete	VERB
fsr-3204	216	238	high	high	ADJ
fsr-3204	216	239	school	school	NOUN
fsr-3204	216	240	)	)	PUNCT
fsr-3204	216	241	0	0	NUM
fsr-3204	216	242	0	0	NUM
fsr-3204	216	243	0	0	NUM
fsr-3204	216	244	high	high	ADJ
fsr-3204	216	245	school	school	NOUN
fsr-3204	216	246	�	�	PROPN
fsr-3204	216	247	0.051	0.051	NUM
fsr-3204	216	248	�	�	PROPN
fsr-3204	216	249	0.43	0.43	NUM
fsr-3204	216	250	0.118	0.118	NUM
fsr-3204	216	251	�	�	PROPN
fsr-3204	216	252	0.055	0.055	NUM
fsr-3204	216	253	�	�	PROPN
fsr-3204	216	254	0.47	0.47	NUM
fsr-3204	216	255	0.118	0.118	NUM
fsr-3204	216	256	some	some	DET
fsr-3204	216	257	college	college	PROPN
fsr-3204	216	258	�	�	PROPN
fsr-3204	216	259	0.024	0.024	NUM
fsr-3204	216	260	�	�	PROPN
fsr-3204	216	261	0.21	0.21	NUM
fsr-3204	216	262	0.117	0.117	NUM
fsr-3204	216	263	�	�	PROPN
fsr-3204	216	264	0.027	0.027	NUM
fsr-3204	216	265	�	�	PROPN
fsr-3204	216	266	0.23	0.23	NUM
fsr-3204	217	1	0.117	0.117	NUM
fsr-3204	217	2	college	college	NOUN
fsr-3204	217	3	graduate	graduate	PROPN
fsr-3204	217	4	�	�	PROPN
fsr-3204	217	5	0.008	0.008	NUM
fsr-3204	217	6	�	�	PROPN
fsr-3204	217	7	0.06	0.06	NUM
fsr-3204	217	8	0.118	0.118	NUM
fsr-3204	217	9	�	�	PROPN
fsr-3204	217	10	0.009	0.009	NUM
fsr-3204	217	11	�	�	PROPN
fsr-3204	217	12	0.07	0.07	NUM
fsr-3204	217	13	0.118	0.118	NUM
fsr-3204	217	14	post	post	NOUN
fsr-3204	217	15	graduate	graduate	PROPN
fsr-3204	217	16	�	�	PROPN
fsr-3204	217	17	0.021	0.021	NUM
fsr-3204	217	18	�	�	PROPN
fsr-3204	217	19	0.17	0.17	NUM
fsr-3204	217	20	0.121	0.121	NUM
fsr-3204	217	21	�	�	PROPN
fsr-3204	217	22	0.022	0.022	NUM
fsr-3204	217	23	�	�	PROPN
fsr-3204	217	24	0.18	0.18	NUM
fsr-3204	217	25	0.121	0.121	NUM
fsr-3204	217	26	marital	marital	ADJ
fsr-3204	217	27	status	status	NOUN
fsr-3204	217	28	(	(	PUNCT
fsr-3204	217	29	reference	reference	NOUN
fsr-3204	217	30	category	category	NOUN
fsr-3204	217	31	:	:	PUNCT
fsr-3204	217	32	married	married	ADJ
fsr-3204	217	33	)	)	PUNCT
fsr-3204	217	34	0	0	NUM
fsr-3204	217	35	0	0	SYM
fsr-3204	217	36	0	0	NUM
fsr-3204	217	37	living	live	VERB
fsr-3204	217	38	with	with	ADP
fsr-3204	217	39	partner	partner	NOUN
fsr-3204	217	40	�	�	PROPN
fsr-3204	217	41	0.170	0.170	NUM
fsr-3204	217	42	*	*	PUNCT
fsr-3204	217	43	*	*	PUNCT
fsr-3204	217	44	*	*	PUNCT
fsr-3204	217	45	�	�	PROPN
fsr-3204	217	46	2.95	2.95	NUM
fsr-3204	217	47	0.057	0.057	NUM
fsr-3204	217	48	�	�	NOUN
fsr-3204	217	49	0.167	0.167	NUM
fsr-3204	217	50	*	*	SYM
fsr-3204	217	51	*	*	PUNCT
fsr-3204	217	52	*	*	PUNCT
fsr-3204	217	53	�	�	PROPN
fsr-3204	217	54	2.91	2.91	NUM
fsr-3204	217	55	0.057	0.057	NUM
fsr-3204	217	56	single	single	ADJ
fsr-3204	217	57	0.022	0.022	NUM
fsr-3204	217	58	0.58	0.58	NUM
fsr-3204	217	59	0.037	0.037	NUM
fsr-3204	217	60	0.022	0.022	NUM
fsr-3204	217	61	0.60	0.60	NUM
fsr-3204	217	62	0.037	0.037	NUM
fsr-3204	217	63	income	income	NOUN
fsr-3204	217	64	(	(	PUNCT
fsr-3204	217	65	reference	reference	NOUN
fsr-3204	217	66	category	category	NOUN
fsr-3204	217	67	:	:	PUNCT
fsr-3204	217	68	less	less	ADJ
fsr-3204	217	69	than	than	ADP
fsr-3204	217	70	$	$	SYM
fsr-3204	217	71	15,000	15,000	NUM
fsr-3204	217	72	)	)	PUNCT
fsr-3204	217	73	0	0	NUM
fsr-3204	217	74	0	0	NUM
fsr-3204	217	75	0	0	NUM
fsr-3204	217	76	$	$	SYM
fsr-3204	217	77	15,000–$24,999	15,000–$24,999	NUM
fsr-3204	217	78	0.011	0.011	NUM
fsr-3204	217	79	0.15	0.15	NUM
fsr-3204	217	80	0.073	0.073	NUM
fsr-3204	217	81	0.011	0.011	NUM
fsr-3204	217	82	0.15	0.15	NUM
fsr-3204	217	83	0.073	0.073	NUM
fsr-3204	217	84	$	$	SYM
fsr-3204	217	85	25,000–$34,999	25,000–$34,999	NUM
fsr-3204	217	86	0.085	0.085	NUM
fsr-3204	217	87	1.16	1.16	NUM
fsr-3204	217	88	0.073	0.073	NUM
fsr-3204	217	89	0.085	0.085	NUM
fsr-3204	217	90	1.17	1.17	NUM
fsr-3204	217	91	0.073	0.073	NUM
fsr-3204	217	92	$	$	SYM
fsr-3204	217	93	35,000–$49,999	35,000–$49,999	NUM
fsr-3204	217	94	0.090	0.090	NUM
fsr-3204	217	95	1.27	1.27	NUM
fsr-3204	217	96	0.071	0.071	NUM
fsr-3204	217	97	0.091	0.091	NUM
fsr-3204	217	98	1.28	1.28	NUM
fsr-3204	217	99	0.071	0.071	NUM
fsr-3204	217	100	$	$	SYM
fsr-3204	217	101	50,000–$74,999	50,000–$74,999	NUM
fsr-3204	217	102	0.114	0.114	NUM
fsr-3204	217	103	1.61	1.61	NUM
fsr-3204	217	104	0.071	0.071	NUM
fsr-3204	217	105	0.115	0.115	NUM
fsr-3204	217	106	1.62	1.62	NUM
fsr-3204	217	107	0.071	0.071	NUM
fsr-3204	217	108	$	$	SYM
fsr-3204	217	109	75,000–$99,999	75,000–$99,999	NUM
fsr-3204	217	110	0.131	0.131	NUM
fsr-3204	217	111	*	*	PUNCT
fsr-3204	217	112	1.70	1.70	NUM
fsr-3204	217	113	0.077	0.077	NUM
fsr-3204	217	114	0.134	0.134	NUM
fsr-3204	217	115	*	*	PUNCT
fsr-3204	217	116	1.74	1.74	NUM
fsr-3204	217	117	0.077	0.077	NUM
fsr-3204	217	118	$	$	SYM
fsr-3204	217	119	100,000–$149,999	100,000–$149,999	NUM
fsr-3204	217	120	0.095	0.095	NUM
fsr-3204	217	121	1.18	1.18	NUM
fsr-3204	217	122	0.080	0.080	NUM
fsr-3204	217	123	0.096	0.096	NUM
fsr-3204	217	124	1.20	1.20	NUM
fsr-3204	217	125	0.080	0.080	NUM
fsr-3204	217	126	$	$	SYM
fsr-3204	217	127	150,000	150,000	NUM
fsr-3204	217	128	or	or	CCONJ
fsr-3204	217	129	more	more	ADJ
fsr-3204	217	130	0.124	0.124	NUM
fsr-3204	217	131	1.43	1.43	NUM
fsr-3204	217	132	0.087	0.087	NUM
fsr-3204	217	133	0.128	0.128	NUM
fsr-3204	217	134	1.47	1.47	NUM
fsr-3204	217	135	0.087	0.087	NUM
fsr-3204	217	136	employment	employment	NOUN
fsr-3204	217	137	(	(	PUNCT
fsr-3204	217	138	reference	reference	NOUN
fsr-3204	217	139	category	category	NOUN
fsr-3204	217	140	:	:	PUNCT
fsr-3204	217	141	self	self	NOUN
fsr-3204	217	142	employed	employ	VERB
fsr-3204	217	143	)	)	PUNCT
fsr-3204	217	144	0	0	NUM
fsr-3204	217	145	0	0	SYM
fsr-3204	217	146	0	0	NUM
fsr-3204	217	147	employed	employ	VERB
fsr-3204	217	148	full	full	ADJ
fsr-3204	217	149	-	-	PUNCT
fsr-3204	217	150	time	time	NOUN
fsr-3204	217	151	0.190	0.190	NUM
fsr-3204	217	152	*	*	PUNCT
fsr-3204	217	153	*	*	PUNCT
fsr-3204	217	154	*	*	PUNCT
fsr-3204	217	155	3.74	3.74	NUM
fsr-3204	217	156	0.051	0.051	NUM
fsr-3204	217	157	0.184	0.184	NUM
fsr-3204	217	158	*	*	PUNCT
fsr-3204	217	159	*	*	PUNCT
fsr-3204	217	160	*	*	PUNCT
fsr-3204	217	161	3.62	3.62	NUM
fsr-3204	217	162	0.051	0.051	NUM
fsr-3204	217	163	employed	employ	VERB
fsr-3204	217	164	part	part	NOUN
fsr-3204	217	165	-	-	PUNCT
fsr-3204	217	166	time	time	NOUN
fsr-3204	217	167	0.077	0.077	NUM
fsr-3204	217	168	1.16	1.16	NUM
fsr-3204	217	169	0.066	0.066	NUM
fsr-3204	217	170	0.069	0.069	NUM
fsr-3204	217	171	1.04	1.04	NUM
fsr-3204	217	172	0.066	0.066	NUM
fsr-3204	217	173	homemaker	homemaker	NOUN
fsr-3204	217	174	�	�	PROPN
fsr-3204	217	175	0.009	0.009	NUM
fsr-3204	217	176	�	�	PROPN
fsr-3204	217	177	0.13	0.13	NUM
fsr-3204	217	178	0.071	0.071	NUM
fsr-3204	217	179	�	�	PROPN
fsr-3204	217	180	0.013	0.013	NUM
fsr-3204	217	181	�	�	PROPN
fsr-3204	217	182	0.19	0.19	NUM
fsr-3204	217	183	0.071	0.071	NUM
fsr-3204	217	184	full	full	ADJ
fsr-3204	217	185	-	-	PUNCT
fsr-3204	217	186	time	time	NOUN
fsr-3204	217	187	student	student	NOUN
fsr-3204	217	188	0.233	0.233	NUM
fsr-3204	217	189	*	*	PUNCT
fsr-3204	217	190	*	*	PROPN
fsr-3204	217	191	2.42	2.42	NUM
fsr-3204	217	192	0.096	0.096	NUM
fsr-3204	217	193	0.229	0.229	NUM
fsr-3204	217	194	*	*	PUNCT
fsr-3204	217	195	*	*	PUNCT
fsr-3204	217	196	2.38	2.38	NUM
fsr-3204	217	197	0.096	0.096	NUM
fsr-3204	217	198	disabled	disabled	ADJ
fsr-3204	217	199	0.009	0.009	NUM
fsr-3204	217	200	0.09	0.09	NUM
fsr-3204	217	201	0.096	0.096	NUM
fsr-3204	217	202	0.008	0.008	NUM
fsr-3204	217	203	0.08	0.08	NUM
fsr-3204	217	204	0.096	0.096	NUM
fsr-3204	217	205	unemployed	unemployed	ADJ
fsr-3204	217	206	0.112	0.112	NUM
fsr-3204	217	207	1.56	1.56	NUM
fsr-3204	217	208	0.072	0.072	NUM
fsr-3204	217	209	0.108	0.108	NUM
fsr-3204	217	210	1.51	1.51	NUM
fsr-3204	217	211	0.072	0.072	NUM
fsr-3204	217	212	retired	retire	VERB
fsr-3204	217	213	0.117	0.117	NUM
fsr-3204	217	214	*	*	SYM
fsr-3204	217	215	1.78	1.78	NUM
fsr-3204	217	216	0.066	0.066	NUM
fsr-3204	217	217	0.111	0.111	NUM
fsr-3204	217	218	*	*	NUM
fsr-3204	217	219	1.70	1.70	NUM
fsr-3204	217	220	0.066	0.066	NUM
fsr-3204	217	221	region	region	NOUN
fsr-3204	217	222	(	(	PUNCT
fsr-3204	217	223	reference	reference	NOUN
fsr-3204	217	224	category	category	NOUN
fsr-3204	217	225	:	:	PUNCT
fsr-3204	217	226	northeast	northeast	ADJ
fsr-3204	217	227	)	)	PUNCT
fsr-3204	217	228	0	0	NUM
fsr-3204	217	229	0	0	NUM
fsr-3204	217	230	0	0	NUM
fsr-3204	217	231	midwest	midwest	NOUN
fsr-3204	217	232	0.118	0.118	NUM
fsr-3204	217	233	*	*	PUNCT
fsr-3204	217	234	*	*	PUNCT
fsr-3204	217	235	*	*	PUNCT
fsr-3204	217	236	2.62	2.62	NUM
fsr-3204	217	237	0.045	0.045	NUM
fsr-3204	217	238	0.114	0.114	NUM
fsr-3204	217	239	*	*	PUNCT
fsr-3204	217	240	*	*	PUNCT
fsr-3204	217	241	2.52	2.52	NUM
fsr-3204	217	242	0.045	0.045	NUM
fsr-3204	217	243	south	south	NOUN
fsr-3204	217	244	0.026	0.026	NUM
fsr-3204	217	245	0.60	0.60	NUM
fsr-3204	217	246	0.043	0.043	NUM
fsr-3204	217	247	0.023	0.023	NUM
fsr-3204	217	248	0.53	0.53	NUM
fsr-3204	217	249	0.043	0.043	NUM
fsr-3204	217	250	west	west	PROPN
fsr-3204	217	251	�	�	PROPN
fsr-3204	217	252	0.036	0.036	NUM
fsr-3204	217	253	�	�	PROPN
fsr-3204	217	254	0.80	0.80	NUM
fsr-3204	217	255	0.045	0.045	NUM
fsr-3204	217	256	�	�	PROPN
fsr-3204	217	257	0.037	0.037	NUM
fsr-3204	217	258	�	�	PROPN
fsr-3204	217	259	0.83	0.83	NUM
fsr-3204	217	260	0.045	0.045	NUM
fsr-3204	217	261	the	the	DET
fsr-3204	217	262	independent	independent	ADJ
fsr-3204	217	263	variable	variable	NOUN
fsr-3204	217	264	of	of	ADP
fsr-3204	217	265	interest	interest	NOUN
fsr-3204	217	266	are	be	AUX
fsr-3204	217	267	background	background	NOUN
fsr-3204	217	268	check	check	NOUN
fsr-3204	217	269	that	that	PRON
fsr-3204	217	270	is	be	AUX
fsr-3204	217	271	set	set	VERB
fsr-3204	217	272	equal	equal	ADJ
fsr-3204	217	273	to	to	ADP
fsr-3204	217	274	1	1	NUM
fsr-3204	217	275	if	if	SCONJ
fsr-3204	217	276	the	the	DET
fsr-3204	217	277	respondent	respondent	NOUN
fsr-3204	217	278	checked	check	VERB
fsr-3204	217	279	the	the	DET
fsr-3204	217	280	background	background	NOUN
fsr-3204	217	281	of	of	ADP
fsr-3204	217	282	a	a	DET
fsr-3204	217	283	financial	financial	ADJ
fsr-3204	217	284	adviser	adviser	NOUN
fsr-3204	217	285	in	in	ADP
fsr-3204	217	286	the	the	DET
fsr-3204	217	287	last	last	ADJ
fsr-3204	217	288	five	five	NUM
fsr-3204	217	289	years	year	NOUN
fsr-3204	217	290	,	,	PUNCT
fsr-3204	217	291	0	0	NUM
fsr-3204	217	292	otherwise	otherwise	ADV
fsr-3204	217	293	,	,	PUNCT
fsr-3204	217	294	and	and	CCONJ
fsr-3204	217	295	considered	consider	VERB
fsr-3204	217	296	�	�	PROPN
fsr-3204	217	297	1	1	NUM
fsr-3204	217	298	financial	financial	ADJ
fsr-3204	217	299	adviser	adviser	NOUN
fsr-3204	217	300	,	,	PUNCT
fsr-3204	217	301	which	which	PRON
fsr-3204	217	302	is	be	AUX
fsr-3204	217	303	set	set	VERB
fsr-3204	217	304	equal	equal	ADJ
fsr-3204	217	305	to	to	ADP
fsr-3204	217	306	1	1	NUM
fsr-3204	217	307	if	if	SCONJ
fsr-3204	217	308	the	the	DET
fsr-3204	217	309	respondent	respondent	NOUN
fsr-3204	217	310	considered	consider	VERB
fsr-3204	217	311	more	more	ADJ
fsr-3204	217	312	than	than	ADP
fsr-3204	217	313	one	one	NUM
fsr-3204	217	314	financial	financial	ADJ
fsr-3204	217	315	adviser	adviser	NOUN
fsr-3204	217	316	before	before	ADP
fsr-3204	217	317	making	make	VERB
fsr-3204	217	318	a	a	DET
fsr-3204	217	319	choice	choice	NOUN
fsr-3204	217	320	,	,	PUNCT
fsr-3204	217	321	0	0	NUM
fsr-3204	217	322	otherwise	otherwise	ADV
fsr-3204	217	323	.	.	PUNCT
fsr-3204	218	1	the	the	DET
fsr-3204	218	2	other	other	ADJ
fsr-3204	218	3	independent	independent	ADJ
fsr-3204	218	4	variables	variable	NOUN
fsr-3204	218	5	include	include	VERB
fsr-3204	218	6	female	female	NOUN
fsr-3204	218	7	,	,	PUNCT
fsr-3204	218	8	age	age	NOUN
fsr-3204	218	9	,	,	PUNCT
fsr-3204	218	10	black	black	ADJ
fsr-3204	218	11	(	(	PUNCT
fsr-3204	218	12	non	non	ADJ
fsr-3204	218	13	-	-	ADJ
fsr-3204	218	14	hispanic	hispanic	ADJ
fsr-3204	218	15	)	)	PUNCT
fsr-3204	218	16	,	,	PUNCT
fsr-3204	218	17	education	education	NOUN
fsr-3204	218	18	,	,	PUNCT
fsr-3204	218	19	marital	marital	ADJ
fsr-3204	218	20	status	status	NOUN
fsr-3204	218	21	,	,	PUNCT
fsr-3204	218	22	income	income	NOUN
fsr-3204	218	23	,	,	PUNCT
fsr-3204	218	24	employment	employment	NOUN
fsr-3204	218	25	,	,	PUNCT
fsr-3204	218	26	and	and	CCONJ
fsr-3204	218	27	region	region	NOUN
fsr-3204	218	28	.	.	PUNCT
fsr-3204	219	1	positive	positive	ADJ
fsr-3204	219	2	(	(	PUNCT
fsr-3204	219	3	negative	negative	ADJ
fsr-3204	219	4	)	)	PUNCT
fsr-3204	219	5	coefficient	coefficient	NOUN
fsr-3204	219	6	estimates	estimate	NOUN
fsr-3204	219	7	indicate	indicate	VERB
fsr-3204	219	8	that	that	DET
fsr-3204	219	9	variable	variable	NOUN
fsr-3204	219	10	is	be	AUX
fsr-3204	219	11	more	more	ADV
fsr-3204	219	12	(	(	PUNCT
fsr-3204	219	13	less	less	ADJ
fsr-3204	219	14	)	)	PUNCT
fsr-3204	219	15	likely	likely	ADJ
fsr-3204	219	16	to	to	PART
fsr-3204	219	17	trust	trust	VERB
fsr-3204	219	18	their	their	PRON
fsr-3204	219	19	financial	financial	ADJ
fsr-3204	219	20	adviser	adviser	NOUN
fsr-3204	219	21	compared	compare	VERB
fsr-3204	219	22	with	with	ADP
fsr-3204	219	23	the	the	DET
fsr-3204	219	24	indicated	indicate	VERB
fsr-3204	219	25	reference	reference	NOUN
fsr-3204	219	26	category	category	NOUN
fsr-3204	219	27	.	.	PUNCT
fsr-3204	220	1	*	*	PUNCT
fsr-3204	221	1	*	*	PUNCT
fsr-3204	221	2	*	*	PUNCT
fsr-3204	221	3	,	,	PUNCT
fsr-3204	221	4	*	*	PUNCT
fsr-3204	221	5	*	*	PUNCT
fsr-3204	221	6	,	,	PUNCT
fsr-3204	221	7	*	*	PUNCT
fsr-3204	221	8	denote	denote	NOUN
fsr-3204	221	9	significance	significance	NOUN
fsr-3204	221	10	at	at	ADP
fsr-3204	221	11	the	the	DET
fsr-3204	221	12	1	1	NUM
fsr-3204	221	13	%	%	NOUN
fsr-3204	221	14	,	,	PUNCT
fsr-3204	221	15	5	5	NUM
fsr-3204	221	16	%	%	NOUN
fsr-3204	221	17	,	,	PUNCT
fsr-3204	221	18	and	and	CCONJ
fsr-3204	221	19	10	10	NUM
fsr-3204	221	20	%	%	NOUN
fsr-3204	221	21	levels	level	NOUN
fsr-3204	221	22	,	,	PUNCT
fsr-3204	221	23	respectively	respectively	ADV
fsr-3204	221	24	.	.	PUNCT
fsr-3204	222	1	322	322	NUM
fsr-3204	222	2	b.	b.	PROPN
fsr-3204	222	3	balasubramnian	balasubramnian	PROPN
fsr-3204	222	4	et	et	PROPN
fsr-3204	222	5	al	al	PROPN
fsr-3204	222	6	.	.	PUNCT
fsr-3204	222	7	/	/	SYM
fsr-3204	222	8	financial	financial	ADJ
fsr-3204	222	9	services	service	NOUN
fsr-3204	222	10	review	review	VERB
fsr-3204	222	11	23	23	NUM
fsr-3204	222	12	(	(	PUNCT
fsr-3204	222	13	2014	2014	NUM
fsr-3204	222	14	)	)	PUNCT
fsr-3204	222	15	305–324	305–324	NUM
fsr-3204	222	16	when	when	SCONJ
fsr-3204	222	17	considering	consider	VERB
fsr-3204	222	18	the	the	DET
fsr-3204	222	19	specific	specific	ADJ
fsr-3204	222	20	financial	financial	ADJ
fsr-3204	222	21	adviser	adviser	NOUN
fsr-3204	222	22	types	type	NOUN
fsr-3204	222	23	,	,	PUNCT
fsr-3204	222	24	we	we	PRON
fsr-3204	222	25	find	find	VERB
fsr-3204	222	26	that	that	SCONJ
fsr-3204	222	27	those	those	PRON
fsr-3204	222	28	using	use	VERB
fsr-3204	222	29	debt	debt	NOUN
fsr-3204	222	30	counseling	counseling	NOUN
fsr-3204	222	31	or	or	CCONJ
fsr-3204	222	32	tax	tax	NOUN
fsr-3204	222	33	planning	planning	NOUN
fsr-3204	222	34	services	service	NOUN
fsr-3204	222	35	are	be	AUX
fsr-3204	222	36	more	more	ADV
fsr-3204	222	37	likely	likely	ADJ
fsr-3204	222	38	to	to	PART
fsr-3204	222	39	check	check	VERB
fsr-3204	222	40	the	the	DET
fsr-3204	222	41	backgrounds	background	NOUN
fsr-3204	222	42	of	of	ADP
fsr-3204	222	43	their	their	PRON
fsr-3204	222	44	financial	financial	ADJ
fsr-3204	222	45	advisers	adviser	NOUN
fsr-3204	222	46	,	,	PUNCT
fsr-3204	222	47	and	and	CCONJ
fsr-3204	222	48	those	those	PRON
fsr-3204	222	49	using	use	VERB
fsr-3204	222	50	insurance	insurance	NOUN
fsr-3204	222	51	advisers	adviser	NOUN
fsr-3204	222	52	are	be	AUX
fsr-3204	222	53	the	the	DET
fsr-3204	222	54	least	least	ADV
fsr-3204	222	55	likely	likely	ADJ
fsr-3204	222	56	to	to	PART
fsr-3204	222	57	check	check	VERB
fsr-3204	222	58	backgrounds	background	NOUN
fsr-3204	222	59	.	.	PUNCT
fsr-3204	223	1	those	those	PRON
fsr-3204	223	2	using	use	VERB
fsr-3204	223	3	debt	debt	NOUN
fsr-3204	223	4	counselors	counselor	NOUN
fsr-3204	223	5	and	and	CCONJ
fsr-3204	223	6	insurance	insurance	NOUN
fsr-3204	223	7	advisers	adviser	NOUN
fsr-3204	223	8	are	be	AUX
fsr-3204	223	9	most	most	ADV
fsr-3204	223	10	likely	likely	ADJ
fsr-3204	223	11	,	,	PUNCT
fsr-3204	223	12	and	and	CCONJ
fsr-3204	223	13	those	those	PRON
fsr-3204	223	14	using	use	VERB
fsr-3204	223	15	savings	saving	NOUN
fsr-3204	223	16	or	or	CCONJ
fsr-3204	223	17	investments	investment	NOUN
fsr-3204	223	18	and	and	CCONJ
fsr-3204	223	19	mortgage	mortgage	NOUN
fsr-3204	223	20	or	or	CCONJ
fsr-3204	223	21	loan	loan	NOUN
fsr-3204	223	22	advisers	adviser	NOUN
fsr-3204	223	23	are	be	AUX
fsr-3204	223	24	least	least	ADV
fsr-3204	223	25	likely	likely	ADJ
fsr-3204	223	26	,	,	PUNCT
fsr-3204	223	27	to	to	PART
fsr-3204	223	28	consider	consider	VERB
fsr-3204	223	29	more	more	ADJ
fsr-3204	223	30	than	than	ADP
fsr-3204	223	31	one	one	NUM
fsr-3204	223	32	financial	financial	ADJ
fsr-3204	223	33	adviser	adviser	NOUN
fsr-3204	223	34	before	before	ADP
fsr-3204	223	35	making	make	VERB
fsr-3204	223	36	a	a	DET
fsr-3204	223	37	choice	choice	NOUN
fsr-3204	223	38	.	.	PUNCT
fsr-3204	224	1	we	we	PRON
fsr-3204	224	2	also	also	ADV
fsr-3204	224	3	consider	consider	VERB
fsr-3204	224	4	how	how	SCONJ
fsr-3204	224	5	conducting	conduct	VERB
fsr-3204	224	6	pre	pre	ADJ
fsr-3204	224	7	-	-	NOUN
fsr-3204	224	8	selection	selection	ADJ
fsr-3204	224	9	monitoring	monitoring	NOUN
fsr-3204	224	10	,	,	PUNCT
fsr-3204	224	11	controlling	control	VERB
fsr-3204	224	12	for	for	ADP
fsr-3204	224	13	demographic	demographic	ADJ
fsr-3204	224	14	characteristics	characteristic	NOUN
fsr-3204	224	15	,	,	PUNCT
fsr-3204	224	16	impact	impact	VERB
fsr-3204	224	17	the	the	DET
fsr-3204	224	18	level	level	NOUN
fsr-3204	224	19	of	of	ADP
fsr-3204	224	20	trust	trust	NOUN
fsr-3204	224	21	financial	financial	ADJ
fsr-3204	224	22	adviser	adviser	NOUN
fsr-3204	224	23	users	user	NOUN
fsr-3204	224	24	have	have	VERB
fsr-3204	224	25	in	in	ADP
fsr-3204	224	26	their	their	PRON
fsr-3204	224	27	financial	financial	ADJ
fsr-3204	224	28	advisers	adviser	NOUN
fsr-3204	224	29	.	.	PUNCT
fsr-3204	225	1	we	we	PRON
fsr-3204	225	2	find	find	VERB
fsr-3204	225	3	that	that	SCONJ
fsr-3204	225	4	there	there	PRON
fsr-3204	225	5	is	be	VERB
fsr-3204	225	6	a	a	DET
fsr-3204	225	7	positive	positive	ADJ
fsr-3204	225	8	relationship	relationship	NOUN
fsr-3204	225	9	between	between	ADP
fsr-3204	225	10	financial	financial	ADJ
fsr-3204	225	11	adviser	adviser	NOUN
fsr-3204	225	12	background	background	NOUN
fsr-3204	225	13	checks	check	NOUN
fsr-3204	225	14	and	and	CCONJ
fsr-3204	225	15	financial	financial	ADJ
fsr-3204	225	16	adviser	adviser	NOUN
fsr-3204	225	17	trust	trust	NOUN
fsr-3204	225	18	levels	level	NOUN
fsr-3204	225	19	.	.	PUNCT
fsr-3204	226	1	however	however	ADV
fsr-3204	226	2	,	,	PUNCT
fsr-3204	226	3	we	we	PRON
fsr-3204	226	4	find	find	VERB
fsr-3204	226	5	no	no	DET
fsr-3204	226	6	significant	significant	ADJ
fsr-3204	226	7	relationship	relationship	NOUN
fsr-3204	226	8	between	between	ADP
fsr-3204	226	9	considering	consider	VERB
fsr-3204	226	10	more	more	ADJ
fsr-3204	226	11	than	than	ADP
fsr-3204	226	12	one	one	NUM
fsr-3204	226	13	financial	financial	ADJ
fsr-3204	226	14	adviser	adviser	NOUN
fsr-3204	226	15	and	and	CCONJ
fsr-3204	226	16	trust	trust	NOUN
fsr-3204	226	17	levels	level	NOUN
fsr-3204	226	18	in	in	ADP
fsr-3204	226	19	financial	financial	ADJ
fsr-3204	226	20	advisers	adviser	NOUN
fsr-3204	226	21	.	.	PUNCT
fsr-3204	227	1	we	we	PRON
fsr-3204	227	2	also	also	ADV
fsr-3204	227	3	find	find	VERB
fsr-3204	227	4	that	that	SCONJ
fsr-3204	227	5	trust	trust	NOUN
fsr-3204	227	6	levels	level	NOUN
fsr-3204	227	7	generally	generally	ADV
fsr-3204	227	8	decline	decline	VERB
fsr-3204	227	9	with	with	ADP
fsr-3204	227	10	age	age	NOUN
fsr-3204	227	11	,	,	PUNCT
fsr-3204	227	12	which	which	PRON
fsr-3204	227	13	is	be	AUX
fsr-3204	227	14	consistent	consistent	ADJ
fsr-3204	227	15	with	with	ADP
fsr-3204	227	16	lachance	lachance	NOUN
fsr-3204	227	17	and	and	CCONJ
fsr-3204	227	18	tang	tang	PROPN
fsr-3204	227	19	(	(	PUNCT
fsr-3204	227	20	2012	2012	NUM
fsr-3204	227	21	)	)	PUNCT
fsr-3204	227	22	findings	finding	NOUN
fsr-3204	227	23	.	.	PUNCT
fsr-3204	228	1	we	we	PRON
fsr-3204	228	2	also	also	ADV
fsr-3204	228	3	find	find	VERB
fsr-3204	228	4	that	that	SCONJ
fsr-3204	228	5	living	live	VERB
fsr-3204	228	6	with	with	ADP
fsr-3204	228	7	partner	partner	NOUN
fsr-3204	228	8	couples	couple	NOUN
fsr-3204	228	9	have	have	VERB
fsr-3204	228	10	lower	low	ADJ
fsr-3204	228	11	trust	trust	NOUN
fsr-3204	228	12	levels	level	NOUN
fsr-3204	228	13	(	(	PUNCT
fsr-3204	228	14	compared	compare	VERB
fsr-3204	228	15	with	with	ADP
fsr-3204	228	16	married	married	ADJ
fsr-3204	228	17	couples	couple	NOUN
fsr-3204	228	18	and	and	CCONJ
fsr-3204	228	19	those	those	PRON
fsr-3204	228	20	who	who	PRON
fsr-3204	228	21	are	be	AUX
fsr-3204	228	22	single	single	ADJ
fsr-3204	228	23	)	)	PUNCT
fsr-3204	228	24	,	,	PUNCT
fsr-3204	228	25	and	and	CCONJ
fsr-3204	228	26	people	people	NOUN
fsr-3204	228	27	in	in	ADP
fsr-3204	228	28	the	the	DET
fsr-3204	228	29	midwest	midwest	NOUN
fsr-3204	228	30	have	have	VERB
fsr-3204	228	31	higher	high	ADJ
fsr-3204	228	32	trust	trust	NOUN
fsr-3204	228	33	levels	level	NOUN
fsr-3204	228	34	than	than	ADP
fsr-3204	228	35	those	those	PRON
fsr-3204	228	36	from	from	ADP
fsr-3204	228	37	other	other	ADJ
fsr-3204	228	38	regions	region	NOUN
fsr-3204	228	39	.	.	PUNCT
fsr-3204	229	1	in	in	ADP
fsr-3204	229	2	summary	summary	NOUN
fsr-3204	229	3	,	,	PUNCT
fsr-3204	229	4	these	these	DET
fsr-3204	229	5	results	result	NOUN
fsr-3204	229	6	show	show	VERB
fsr-3204	229	7	that	that	SCONJ
fsr-3204	229	8	checking	check	VERB
fsr-3204	229	9	a	a	DET
fsr-3204	229	10	financial	financial	ADJ
fsr-3204	229	11	adviser	adviser	NOUN
fsr-3204	229	12	’s	’s	PART
fsr-3204	229	13	background	background	NOUN
fsr-3204	229	14	helps	help	VERB
fsr-3204	229	15	develop	develop	VERB
fsr-3204	229	16	trust	trust	NOUN
fsr-3204	229	17	in	in	ADP
fsr-3204	229	18	that	that	DET
fsr-3204	229	19	financial	financial	ADJ
fsr-3204	229	20	adviser	adviser	NOUN
fsr-3204	229	21	.	.	PUNCT
fsr-3204	230	1	however	however	ADV
fsr-3204	230	2	,	,	PUNCT
fsr-3204	230	3	simply	simply	ADV
fsr-3204	230	4	considering	consider	VERB
fsr-3204	230	5	more	more	ADJ
fsr-3204	230	6	than	than	ADP
fsr-3204	230	7	one	one	NUM
fsr-3204	230	8	adviser	adviser	NOUN
fsr-3204	230	9	does	do	AUX
fsr-3204	230	10	not	not	PART
fsr-3204	230	11	necessarily	necessarily	ADV
fsr-3204	230	12	develop	develop	VERB
fsr-3204	230	13	higher	high	ADJ
fsr-3204	230	14	trust	trust	NOUN
fsr-3204	230	15	levels	level	NOUN
fsr-3204	230	16	in	in	ADP
fsr-3204	230	17	the	the	DET
fsr-3204	230	18	financial	financial	ADJ
fsr-3204	230	19	adviser	adviser	NOUN
fsr-3204	230	20	that	that	PRON
fsr-3204	230	21	is	be	AUX
fsr-3204	230	22	eventually	eventually	ADV
fsr-3204	230	23	chosen	choose	VERB
fsr-3204	230	24	.	.	PUNCT
fsr-3204	231	1	overall	overall	ADV
fsr-3204	231	2	,	,	PUNCT
fsr-3204	231	3	our	our	PRON
fsr-3204	231	4	results	result	NOUN
fsr-3204	231	5	indicate	indicate	VERB
fsr-3204	231	6	that	that	SCONJ
fsr-3204	231	7	having	have	VERB
fsr-3204	231	8	a	a	DET
fsr-3204	231	9	reliable	reliable	ADJ
fsr-3204	231	10	and	and	CCONJ
fsr-3204	231	11	well	well	ADV
fsr-3204	231	12	-	-	PUNCT
fsr-3204	231	13	known	know	VERB
fsr-3204	231	14	background	background	NOUN
fsr-3204	231	15	check	check	NOUN
fsr-3204	231	16	system	system	NOUN
fsr-3204	231	17	in	in	ADP
fsr-3204	231	18	place	place	NOUN
fsr-3204	231	19	that	that	PRON
fsr-3204	231	20	allows	allow	VERB
fsr-3204	231	21	financial	financial	ADJ
fsr-3204	231	22	consumers	consumer	NOUN
fsr-3204	231	23	to	to	PART
fsr-3204	231	24	conduct	conduct	VERB
fsr-3204	231	25	background	background	NOUN
fsr-3204	231	26	checks	check	NOUN
fsr-3204	231	27	of	of	ADP
fsr-3204	231	28	financial	financial	ADJ
fsr-3204	231	29	advisers	adviser	NOUN
fsr-3204	231	30	in	in	ADP
fsr-3204	231	31	an	an	DET
fsr-3204	231	32	easy	easy	ADJ
fsr-3204	231	33	and	and	CCONJ
fsr-3204	231	34	efficient	efficient	ADJ
fsr-3204	231	35	manner	manner	NOUN
fsr-3204	231	36	may	may	AUX
fsr-3204	231	37	help	help	VERB
fsr-3204	231	38	improve	improve	VERB
fsr-3204	231	39	trust	trust	NOUN
fsr-3204	231	40	in	in	ADP
fsr-3204	231	41	financial	financial	ADJ
fsr-3204	231	42	advisers	adviser	NOUN
fsr-3204	231	43	.	.	PUNCT
fsr-3204	232	1	notes	note	VERB
fsr-3204	232	2	1	1	NUM
fsr-3204	232	3	http://www.sec.gov/investor/brokers.htm	http://www.sec.gov/investor/brokers.htm	X
fsr-3204	232	4	.	.	NOUN
fsr-3204	232	5	2	2	NUM
fsr-3204	232	6	http://assets.aarp.org/www.aarp.org_/articles/bulletin/money/financialquestionnaire	http://assets.aarp.org/www.aarp.org_/articles/bulletin/money/financialquestionnaire	NOUN
fsr-3204	232	7	.	.	PUNCT
fsr-3204	233	1	pdf	pdf	NOUN
fsr-3204	233	2	.	.	PUNCT
fsr-3204	233	3	3	3	NUM
fsr-3204	233	4	http://www.oag.state.md.us/forms/checklist.pdf	http://www.oag.state.md.us/forms/checklist.pdf	NOUN
fsr-3204	233	5	.	.	PUNCT
fsr-3204	234	1	4	4	NUM
fsr-3204	234	2	http://www.letsmakeaplan.org/cfp-pros-their-expertise/cfp-experts-corner/article/letsmake-a-plan-blogs/things-to-think-about-when-choosing-a-financial-adviser	http://www.letsmakeaplan.org/cfp-pros-their-expertise/cfp-experts-corner/article/letsmake-a-plan-blogs/things-to-think-about-when-choosing-a-financial-adviser	NOUN
fsr-3204	234	3	;	;	PUNCT
fsr-3204	234	4	http://	http://	PROPN
fsr-3204	234	5	www.letsmakeaplan.org/working-with-a-financial-planner/what-to-ask	www.letsmakeaplan.org/working-with-a-financial-planner/what-to-ask	NOUN
fsr-3204	234	6	.	.	PUNCT
fsr-3204	235	1	5	5	NUM
fsr-3204	236	1	we	we	PRON
fsr-3204	236	2	do	do	AUX
fsr-3204	236	3	not	not	PART
fsr-3204	236	4	use	use	VERB
fsr-3204	236	5	the	the	DET
fsr-3204	236	6	2012	2012	NUM
fsr-3204	236	7	financial	financial	ADJ
fsr-3204	236	8	capability	capability	NOUN
fsr-3204	236	9	survey	survey	NOUN
fsr-3204	236	10	data	datum	NOUN
fsr-3204	236	11	because	because	SCONJ
fsr-3204	236	12	this	this	DET
fsr-3204	236	13	survey	survey	NOUN
fsr-3204	236	14	does	do	AUX
fsr-3204	236	15	not	not	PART
fsr-3204	236	16	contain	contain	VERB
fsr-3204	236	17	any	any	DET
fsr-3204	236	18	questions	question	NOUN
fsr-3204	236	19	on	on	ADP
fsr-3204	236	20	whether	whether	SCONJ
fsr-3204	236	21	the	the	DET
fsr-3204	236	22	respondents	respondent	NOUN
fsr-3204	236	23	verified	verify	VERB
fsr-3204	236	24	the	the	DET
fsr-3204	236	25	credentials	credential	NOUN
fsr-3204	236	26	or	or	CCONJ
fsr-3204	236	27	how	how	SCONJ
fsr-3204	236	28	much	much	ADV
fsr-3204	236	29	they	they	PRON
fsr-3204	236	30	trust	trust	VERB
fsr-3204	236	31	their	their	PRON
fsr-3204	236	32	financial	financial	ADJ
fsr-3204	236	33	advisers	adviser	NOUN
fsr-3204	236	34	or	or	CCONJ
fsr-3204	236	35	their	their	PRON
fsr-3204	236	36	advice	advice	NOUN
fsr-3204	236	37	.	.	PUNCT
fsr-3204	237	1	6	6	NUM
fsr-3204	237	2	http://online.wsj.com/news/articles/sb10001424052702304679404579459831342132	http://online.wsj.com/news/articles/sb10001424052702304679404579459831342132	PROPN
fsr-3204	237	3	534	534	NUM
fsr-3204	237	4	.	.	NOUN
fsr-3204	237	5	7	7	NUM
fsr-3204	237	6	http://www.sec.gov/spotlight/investor-advisory-committee-2012/fiduciary-dutyrecommendation.pdf	http://www.sec.gov/spotlight/investor-advisory-committee-2012/fiduciary-dutyrecommendation.pdf	NOUN
fsr-3204	237	7	.	.	PUNCT
fsr-3204	237	8	8	8	NUM
fsr-3204	237	9	bonding	bonding	NOUN
fsr-3204	237	10	costs	cost	NOUN
fsr-3204	237	11	are	be	AUX
fsr-3204	237	12	incurred	incur	VERB
fsr-3204	237	13	by	by	ADP
fsr-3204	237	14	the	the	DET
fsr-3204	237	15	agent	agent	NOUN
fsr-3204	237	16	(	(	PUNCT
fsr-3204	237	17	financial	financial	ADJ
fsr-3204	237	18	adviser	adviser	NOUN
fsr-3204	237	19	)	)	PUNCT
fsr-3204	237	20	to	to	PART
fsr-3204	237	21	signal	signal	VERB
fsr-3204	237	22	to	to	ADP
fsr-3204	237	23	the	the	DET
fsr-3204	237	24	principal	principal	NOUN
fsr-3204	237	25	of	of	ADP
fsr-3204	237	26	his	his	PRON
fsr-3204	237	27	fiduciary	fiduciary	ADJ
fsr-3204	237	28	responsibilities	responsibility	NOUN
fsr-3204	237	29	through	through	ADP
fsr-3204	237	30	certifications	certification	NOUN
fsr-3204	237	31	and	and	CCONJ
fsr-3204	237	32	other	other	ADJ
fsr-3204	237	33	binding	bind	VERB
fsr-3204	237	34	constraints	constraint	NOUN
fsr-3204	237	35	.	.	PUNCT
fsr-3204	238	1	residual	residual	ADJ
fsr-3204	238	2	loss	loss	NOUN
fsr-3204	238	3	will	will	AUX
fsr-3204	238	4	include	include	VERB
fsr-3204	238	5	losses	loss	NOUN
fsr-3204	238	6	suffered	suffer	VERB
fsr-3204	238	7	by	by	ADP
fsr-3204	238	8	the	the	DET
fsr-3204	238	9	principal	principal	NOUN
fsr-3204	238	10	(	(	PUNCT
fsr-3204	238	11	consumer	consumer	NOUN
fsr-3204	238	12	)	)	PUNCT
fsr-3204	238	13	because	because	SCONJ
fsr-3204	238	14	of	of	ADP
fsr-3204	238	15	agent	agent	NOUN
fsr-3204	238	16	’s	’s	PART
fsr-3204	238	17	(	(	PUNCT
fsr-3204	238	18	financial	financial	ADJ
fsr-3204	238	19	adviser	adviser	NOUN
fsr-3204	238	20	’s	’s	PART
fsr-3204	238	21	)	)	PUNCT
fsr-3204	238	22	action	action	NOUN
fsr-3204	238	23	that	that	PRON
fsr-3204	238	24	may	may	AUX
fsr-3204	238	25	not	not	PART
fsr-3204	238	26	maximize	maximize	VERB
fsr-3204	238	27	the	the	DET
fsr-3204	238	28	consumer	consumer	NOUN
fsr-3204	238	29	’s	’s	PART
fsr-3204	238	30	wealth	wealth	NOUN
fsr-3204	238	31	.	.	PUNCT
fsr-3204	239	1	323b	323b	NUM
fsr-3204	239	2	.	.	PUNCT
fsr-3204	240	1	balasubramnian	balasubramnian	PROPN
fsr-3204	240	2	et	et	PROPN
fsr-3204	240	3	al	al	PROPN
fsr-3204	240	4	.	.	PUNCT
fsr-3204	240	5	/	/	SYM
fsr-3204	240	6	financial	financial	ADJ
fsr-3204	240	7	services	service	NOUN
fsr-3204	240	8	review	review	VERB
fsr-3204	240	9	23	23	NUM
fsr-3204	240	10	(	(	PUNCT
fsr-3204	240	11	2014	2014	NUM
fsr-3204	240	12	)	)	PUNCT
fsr-3204	240	13	305–324	305–324	NUM
fsr-3204	240	14	9	9	NUM
fsr-3204	240	15	appendix	appendix	NOUN
fsr-3204	240	16	a	a	PRON
fsr-3204	240	17	provides	provide	VERB
fsr-3204	240	18	details	detail	NOUN
fsr-3204	240	19	about	about	ADP
fsr-3204	240	20	various	various	ADJ
fsr-3204	240	21	certification	certification	NOUN
fsr-3204	240	22	and	and	CCONJ
fsr-3204	240	23	maintenance	maintenance	NOUN
fsr-3204	240	24	requirements	requirement	NOUN
fsr-3204	240	25	for	for	ADP
fsr-3204	240	26	various	various	ADJ
fsr-3204	240	27	professional	professional	ADJ
fsr-3204	240	28	designations	designation	NOUN
fsr-3204	240	29	.	.	PUNCT
fsr-3204	241	1	10	10	NUM
fsr-3204	241	2	http://www.finra.org/investors/toolscalculators/brokercheck/.	http://www.finra.org/investors/toolscalculators/brokercheck/.	NOUN
fsr-3204	241	3	11	11	NUM
fsr-3204	241	4	http://www.sec.gov/rules/final/ia-2256.htm	http://www.sec.gov/rules/final/ia-2256.htm	NOUN
fsr-3204	241	5	.	.	PUNCT
fsr-3204	242	1	12	12	NUM
fsr-3204	242	2	http://www.adviserinfo.sec.gov/iapd/content/search/iapd_search.aspx	http://www.adviserinfo.sec.gov/iapd/content/search/iapd_search.aspx	X
fsr-3204	242	3	.	.	PROPN
fsr-3204	242	4	13	13	NUM
fsr-3204	242	5	http://www.finra.org/investors/protectyourself/beforeyouinvest/p120759	http://www.finra.org/investors/protectyourself/beforeyouinvest/p120759	NOUN
fsr-3204	242	6	.	.	PUNCT
fsr-3204	243	1	14	14	NUM
fsr-3204	243	2	http://www.sec.gov/foia/docs/invafoia.htm	http://www.sec.gov/foia/docs/invafoia.htm	PROPN
fsr-3204	243	3	.	.	PUNCT
fsr-3204	244	1	15	15	NUM
fsr-3204	244	2	http://www.nasaa.org/2709/how-to-check-out-your-broker-or-investment-adviser/.	http://www.nasaa.org/2709/how-to-check-out-your-broker-or-investment-adviser/.	NOUN
fsr-3204	244	3	16	16	NUM
fsr-3204	244	4	please	please	INTJ
fsr-3204	244	5	see	see	VERB
fsr-3204	244	6	the	the	DET
fsr-3204	244	7	following	follow	VERB
fsr-3204	244	8	link	link	NOUN
fsr-3204	244	9	for	for	ADP
fsr-3204	244	10	the	the	DET
fsr-3204	244	11	complete	complete	ADJ
fsr-3204	244	12	questionnaire	questionnaire	NOUN
fsr-3204	244	13	:	:	PUNCT
fsr-3204	244	14	http://www.usfinancial	http://www.usfinancial	PROPN
fsr-3204	244	15	capability.org/downloads/nfcs_2009_natl_qre_eng.pdf	capability.org/downloads/nfcs_2009_natl_qre_eng.pdf	PROPN
fsr-3204	244	16	.	.	PUNCT
fsr-3204	245	1	references	reference	NOUN
fsr-3204	245	2	barber	barber	PROPN
fsr-3204	245	3	,	,	PUNCT
fsr-3204	245	4	b.	b.	PROPN
fsr-3204	245	5	m.	m.	PROPN
fsr-3204	245	6	,	,	PUNCT
fsr-3204	245	7	&	&	CCONJ
fsr-3204	245	8	odean	odean	ADJ
fsr-3204	245	9	,	,	PUNCT
fsr-3204	245	10	t.	t.	PROPN
fsr-3204	245	11	(	(	PUNCT
fsr-3204	245	12	2001	2001	NUM
fsr-3204	245	13	)	)	PUNCT
fsr-3204	245	14	.	.	PUNCT
fsr-3204	246	1	boys	boy	NOUN
fsr-3204	246	2	will	will	AUX
fsr-3204	246	3	be	be	AUX
fsr-3204	246	4	boys	boy	NOUN
fsr-3204	246	5	:	:	PUNCT
fsr-3204	246	6	gender	gender	NOUN
fsr-3204	246	7	,	,	PUNCT
fsr-3204	246	8	overconfidence	overconfidence	NOUN
fsr-3204	246	9	,	,	PUNCT
fsr-3204	246	10	and	and	CCONJ
fsr-3204	246	11	common	common	ADJ
fsr-3204	246	12	stock	stock	NOUN
fsr-3204	246	13	investment	investment	NOUN
fsr-3204	246	14	.	.	PUNCT
fsr-3204	247	1	the	the	DET
fsr-3204	247	2	quarterly	quarterly	ADJ
fsr-3204	247	3	journal	journal	NOUN
fsr-3204	247	4	of	of	ADP
fsr-3204	247	5	economics	economic	NOUN
fsr-3204	247	6	,	,	PUNCT
fsr-3204	247	7	116	116	NUM
fsr-3204	247	8	,	,	PUNCT
fsr-3204	247	9	261–292	261–292	NUM
fsr-3204	247	10	.	.	PUNCT
fsr-3204	248	1	bundrick	bundrick	PROPN
fsr-3204	248	2	,	,	PUNCT
fsr-3204	248	3	h.	h.	PROPN
fsr-3204	248	4	m.	m.	NOUN
fsr-3204	248	5	(	(	PUNCT
fsr-3204	248	6	2013	2013	NUM
fsr-3204	248	7	)	)	PUNCT
fsr-3204	248	8	.	.	PUNCT
fsr-3204	249	1	hiring	hire	VERB
fsr-3204	249	2	a	a	DET
fsr-3204	249	3	financial	financial	ADJ
fsr-3204	249	4	adviser	adviser	NOUN
fsr-3204	249	5	:	:	PUNCT
fsr-3204	249	6	making	make	VERB
fsr-3204	249	7	sense	sense	NOUN
fsr-3204	249	8	of	of	ADP
fsr-3204	249	9	certifications	certification	NOUN
fsr-3204	249	10	.	.	PUNCT
fsr-3204	250	1	(	(	PUNCT
fsr-3204	250	2	available	available	ADJ
fsr-3204	250	3	at	at	ADP
fsr-3204	250	4	http://www	http://www	PROPN
fsr-3204	250	5	.	.	PROPN
fsr-3204	250	6	thestreet.mobi/story/12036906/1/hiring-a-financial-adviser-making-sense-of-certifications.html?puc�yahoo	thestreet.mobi/story/12036906/1/hiring-a-financial-adviser-making-sense-of-certifications.html?puc�yahoo	PROPN
fsr-3204	250	7	&	&	CCONJ
fsr-3204	250	8	cm_ven	cm_ven	PROPN
fsr-3204	250	9	�	�	PROPN
fsr-3204	250	10	yahoo	yahoo	PROPN
fsr-3204	250	11	)	)	PUNCT
fsr-3204	250	12	.	.	PUNCT
fsr-3204	251	1	consumer	consumer	NOUN
fsr-3204	251	2	financial	financial	PROPN
fsr-3204	251	3	protection	protection	PROPN
fsr-3204	251	4	board	board	PROPN
fsr-3204	251	5	.	.	PUNCT
fsr-3204	252	1	(	(	PUNCT
fsr-3204	252	2	2013	2013	NUM
fsr-3204	252	3	)	)	PUNCT
fsr-3204	252	4	.	.	PUNCT
fsr-3204	253	1	senior	senior	ADJ
fsr-3204	253	2	designations	designation	NOUN
fsr-3204	253	3	for	for	ADP
fsr-3204	253	4	financial	financial	ADJ
fsr-3204	253	5	advisers	adviser	NOUN
fsr-3204	253	6	:	:	PUNCT
fsr-3204	253	7	reducing	reduce	VERB
fsr-3204	253	8	consumer	consumer	NOUN
fsr-3204	253	9	confusion	confusion	NOUN
fsr-3204	253	10	and	and	CCONJ
fsr-3204	253	11	risks	risk	NOUN
fsr-3204	253	12	.	.	PUNCT
fsr-3204	254	1	report	report	NOUN
fsr-3204	254	2	to	to	ADP
fsr-3204	254	3	the	the	DET
fsr-3204	254	4	congress	congress	PROPN
fsr-3204	254	5	by	by	ADP
fsr-3204	254	6	the	the	DET
fsr-3204	254	7	consumer	consumer	NOUN
fsr-3204	254	8	financial	financial	PROPN
fsr-3204	254	9	protection	protection	PROPN
fsr-3204	254	10	bureau	bureau	PROPN
fsr-3204	254	11	(	(	PUNCT
fsr-3204	254	12	available	available	ADJ
fsr-3204	254	13	at	at	ADP
fsr-3204	254	14	http://files.consumerfinance.gov/f/201304_cfpb_olderamericans_report.pdf	http://files.consumerfinance.gov/f/201304_cfpb_olderamericans_report.pdf	NOUN
fsr-3204	254	15	)	)	PUNCT
fsr-3204	254	16	.	.	PUNCT
fsr-3204	255	1	eaglesham	eaglesham	PROPN
fsr-3204	255	2	,	,	PUNCT
fsr-3204	255	3	j.	j.	PROPN
fsr-3204	255	4	,	,	PUNCT
fsr-3204	255	5	&	&	CCONJ
fsr-3204	255	6	barry	barry	PROPN
fsr-3204	255	7	,	,	PUNCT
fsr-3204	255	8	r.	r.	PROPN
fsr-3204	255	9	(	(	PUNCT
fsr-3204	255	10	2014	2014	NUM
fsr-3204	255	11	)	)	PUNCT
fsr-3204	255	12	.	.	PUNCT
fsr-3204	256	1	stockbrokers	stockbroker	NOUN
fsr-3204	256	2	fail	fail	VERB
fsr-3204	256	3	to	to	PART
fsr-3204	256	4	discluse	discluse	VERB
fsr-3204	256	5	red	red	ADJ
fsr-3204	256	6	flags	flag	NOUN
fsr-3204	256	7	.	.	PUNCT
fsr-3204	257	1	the	the	DET
fsr-3204	257	2	wall	wall	PROPN
fsr-3204	257	3	street	street	PROPN
fsr-3204	257	4	journal	journal	PROPN
fsr-3204	257	5	,	,	PUNCT
fsr-3204	257	6	march	march	PROPN
fsr-3204	257	7	5	5	NUM
fsr-3204	257	8	.	.	PUNCT
fsr-3204	257	9	elmerick	elmerick	PROPN
fsr-3204	257	10	,	,	PUNCT
fsr-3204	257	11	s.	s.	PROPN
fsr-3204	257	12	a.	a.	PROPN
fsr-3204	257	13	,	,	PUNCT
fsr-3204	257	14	montalto	montalto	PROPN
fsr-3204	257	15	,	,	PUNCT
fsr-3204	257	16	c.	c.	PROPN
fsr-3204	257	17	p.	p.	PROPN
fsr-3204	257	18	,	,	PUNCT
fsr-3204	257	19	&	&	CCONJ
fsr-3204	257	20	fox	fox	PROPN
fsr-3204	257	21	,	,	PUNCT
fsr-3204	257	22	j.	j.	PROPN
fsr-3204	257	23	j.	j.	PROPN
fsr-3204	257	24	(	(	PUNCT
fsr-3204	257	25	2002	2002	NUM
fsr-3204	257	26	)	)	PUNCT
fsr-3204	257	27	.	.	PUNCT
fsr-3204	258	1	use	use	NOUN
fsr-3204	258	2	of	of	ADP
fsr-3204	258	3	financial	financial	ADJ
fsr-3204	258	4	planners	planner	NOUN
fsr-3204	258	5	by	by	ADP
fsr-3204	258	6	u.s	u.s	PROPN
fsr-3204	258	7	.	.	PROPN
fsr-3204	258	8	households	household	NOUN
fsr-3204	258	9	.	.	PUNCT
fsr-3204	259	1	financial	financial	ADJ
fsr-3204	259	2	services	service	NOUN
fsr-3204	259	3	review	review	NOUN
fsr-3204	259	4	,	,	PUNCT
fsr-3204	259	5	11	11	NUM
fsr-3204	259	6	,	,	PUNCT
fsr-3204	259	7	217–231	217–231	NUM
fsr-3204	259	8	.	.	PUNCT
fsr-3204	260	1	finke	finke	PROPN
fsr-3204	260	2	,	,	PUNCT
fsr-3204	260	3	m.	m.	NOUN
fsr-3204	260	4	,	,	PUNCT
fsr-3204	260	5	huston	huston	PROPN
fsr-3204	260	6	,	,	PUNCT
fsr-3204	260	7	s.	s.	PROPN
fsr-3204	260	8	,	,	PUNCT
fsr-3204	260	9	&	&	CCONJ
fsr-3204	260	10	waller	waller	PROPN
fsr-3204	260	11	,	,	PUNCT
fsr-3204	260	12	w.	w.	PROPN
fsr-3204	260	13	(	(	PUNCT
fsr-3204	260	14	2009	2009	NUM
fsr-3204	260	15	)	)	PUNCT
fsr-3204	260	16	.	.	PUNCT
fsr-3204	261	1	do	do	AUX
fsr-3204	261	2	contracts	contract	NOUN
fsr-3204	261	3	impact	impact	VERB
fsr-3204	261	4	comprehensive	comprehensive	ADJ
fsr-3204	261	5	financial	financial	ADJ
fsr-3204	261	6	advice	advice	NOUN
fsr-3204	261	7	?	?	PUNCT
fsr-3204	262	1	financial	financial	ADJ
fsr-3204	262	2	services	service	NOUN
fsr-3204	262	3	review	review	PROPN
fsr-3204	262	4	,	,	PUNCT
fsr-3204	262	5	18	18	NUM
fsr-3204	262	6	,	,	PUNCT
fsr-3204	262	7	177–194	177–194	NUM
fsr-3204	262	8	.	.	PUNCT
fsr-3204	263	1	finra	finra	PROPN
fsr-3204	263	2	.	.	PUNCT
fsr-3204	264	1	(	(	PUNCT
fsr-3204	264	2	2009	2009	NUM
fsr-3204	264	3	)	)	PUNCT
fsr-3204	264	4	.	.	PUNCT
fsr-3204	265	1	financial	financial	ADJ
fsr-3204	265	2	capability	capability	NOUN
fsr-3204	265	3	in	in	ADP
fsr-3204	265	4	the	the	DET
fsr-3204	265	5	united	united	PROPN
fsr-3204	265	6	states	states	PROPN
fsr-3204	265	7	national	national	ADJ
fsr-3204	265	8	survey	survey	NOUN
fsr-3204	265	9	.	.	PUNCT
fsr-3204	266	1	http://usfinancialcapability.org/	http://usfinancialcapability.org/	PROPN
fsr-3204	266	2	downloads	download	VERB
fsr-3204	266	3	/	/	SYM
fsr-3204	266	4	nfcs_2009_state_by_state_qre.pdf	nfcs_2009_state_by_state_qre.pdf	PROPN
fsr-3204	266	5	jensen	jensen	PROPN
fsr-3204	266	6	,	,	PUNCT
fsr-3204	266	7	m.	m.	NOUN
fsr-3204	266	8	,	,	PUNCT
fsr-3204	266	9	&	&	CCONJ
fsr-3204	266	10	meckling	meckling	PROPN
fsr-3204	266	11	,	,	PUNCT
fsr-3204	266	12	w.	w.	PROPN
fsr-3204	266	13	h.	h.	PROPN
fsr-3204	266	14	(	(	PUNCT
fsr-3204	266	15	1976	1976	NUM
fsr-3204	266	16	)	)	PUNCT
fsr-3204	266	17	.	.	PUNCT
fsr-3204	267	1	theory	theory	NOUN
fsr-3204	267	2	of	of	ADP
fsr-3204	267	3	the	the	DET
fsr-3204	267	4	firm	firm	NOUN
fsr-3204	267	5	:	:	PUNCT
fsr-3204	267	6	managerial	managerial	ADJ
fsr-3204	267	7	behavior	behavior	NOUN
fsr-3204	267	8	,	,	PUNCT
fsr-3204	267	9	agency	agency	NOUN
fsr-3204	267	10	costs	cost	NOUN
fsr-3204	267	11	,	,	PUNCT
fsr-3204	267	12	and	and	CCONJ
fsr-3204	267	13	ownership	ownership	NOUN
fsr-3204	267	14	structure	structure	NOUN
fsr-3204	267	15	.	.	PUNCT
fsr-3204	268	1	journal	journal	NOUN
fsr-3204	268	2	of	of	ADP
fsr-3204	268	3	financial	financial	ADJ
fsr-3204	268	4	economics	economic	NOUN
fsr-3204	268	5	,	,	PUNCT
fsr-3204	268	6	3	3	NUM
fsr-3204	268	7	,	,	PUNCT
fsr-3204	268	8	305–360	305–360	NUM
fsr-3204	268	9	.	.	PUNCT
fsr-3204	269	1	jones	jones	PROPN
fsr-3204	269	2	,	,	PUNCT
fsr-3204	269	3	m.	m.	NOUN
fsr-3204	269	4	a.	a.	PROPN
fsr-3204	269	5	,	,	PUNCT
fsr-3204	269	6	lesseig	lesseig	PROPN
fsr-3204	269	7	,	,	PUNCT
fsr-3204	269	8	v.	v.	PROPN
fsr-3204	269	9	p.	p.	PROPN
fsr-3204	269	10	,	,	PUNCT
fsr-3204	269	11	&	&	CCONJ
fsr-3204	269	12	smythe	smythe	PROPN
fsr-3204	269	13	,	,	PUNCT
fsr-3204	269	14	t.	t.	PROPN
fsr-3204	269	15	i.	i.	PROPN
fsr-3204	269	16	(	(	PUNCT
fsr-3204	269	17	2005	2005	NUM
fsr-3204	269	18	)	)	PUNCT
fsr-3204	269	19	.	.	PUNCT
fsr-3204	270	1	financial	financial	ADJ
fsr-3204	270	2	advisers	adviser	NOUN
fsr-3204	270	3	and	and	CCONJ
fsr-3204	270	4	multiple	multiple	ADJ
fsr-3204	270	5	share	share	NOUN
fsr-3204	270	6	class	class	NOUN
fsr-3204	270	7	mutual	mutual	ADJ
fsr-3204	270	8	fund	fund	NOUN
fsr-3204	270	9	.	.	PUNCT
fsr-3204	271	1	financial	financial	ADJ
fsr-3204	271	2	services	services	PROPN
fsr-3204	271	3	review	review	PROPN
fsr-3204	271	4	,	,	PUNCT
fsr-3204	271	5	14	14	NUM
fsr-3204	271	6	,	,	PUNCT
fsr-3204	271	7	1–20	1–20	PROPN
fsr-3204	271	8	.	.	PUNCT
fsr-3204	272	1	lachance	lachance	PROPN
fsr-3204	272	2	,	,	PUNCT
fsr-3204	272	3	m.	m.	NOUN
fsr-3204	272	4	,	,	PUNCT
fsr-3204	272	5	&	&	CCONJ
fsr-3204	272	6	tang	tang	PROPN
fsr-3204	272	7	,	,	PUNCT
fsr-3204	272	8	n.	n.	NOUN
fsr-3204	272	9	(	(	PUNCT
fsr-3204	272	10	2012	2012	NUM
fsr-3204	272	11	)	)	PUNCT
fsr-3204	272	12	.	.	PUNCT
fsr-3204	273	1	financial	financial	ADJ
fsr-3204	273	2	advice	advice	NOUN
fsr-3204	273	3	and	and	CCONJ
fsr-3204	273	4	trust	trust	NOUN
fsr-3204	273	5	.	.	PUNCT
fsr-3204	274	1	financial	financial	ADJ
fsr-3204	274	2	services	services	PROPN
fsr-3204	274	3	review	review	PROPN
fsr-3204	274	4	,	,	PUNCT
fsr-3204	274	5	21	21	NUM
fsr-3204	274	6	,	,	PUNCT
fsr-3204	274	7	209–226	209–226	NUM
fsr-3204	274	8	.	.	PUNCT
fsr-3204	275	1	ligon	ligon	PROPN
fsr-3204	275	2	,	,	PUNCT
fsr-3204	275	3	j.	j.	PROPN
fsr-3204	275	4	a.	a.	PROPN
fsr-3204	275	5	(	(	PUNCT
fsr-3204	275	6	2003	2003	NUM
fsr-3204	275	7	)	)	PUNCT
fsr-3204	275	8	.	.	PUNCT
fsr-3204	276	1	search	search	NOUN
fsr-3204	276	2	,	,	PUNCT
fsr-3204	276	3	adverse	adverse	ADJ
fsr-3204	276	4	selection	selection	NOUN
fsr-3204	276	5	,	,	PUNCT
fsr-3204	276	6	and	and	CCONJ
fsr-3204	276	7	the	the	DET
fsr-3204	276	8	services	service	NOUN
fsr-3204	276	9	of	of	ADP
fsr-3204	276	10	financial	financial	ADJ
fsr-3204	276	11	experts	expert	NOUN
fsr-3204	276	12	.	.	PUNCT
fsr-3204	277	1	financial	financial	ADJ
fsr-3204	277	2	services	service	NOUN
fsr-3204	277	3	review	review	PROPN
fsr-3204	277	4	,	,	PUNCT
fsr-3204	277	5	12	12	NUM
fsr-3204	277	6	,	,	PUNCT
fsr-3204	277	7	275–291	275–291	NUM
fsr-3204	277	8	.	.	PUNCT
fsr-3204	278	1	lin	lin	PROPN
fsr-3204	278	2	,	,	PUNCT
fsr-3204	278	3	q.	q.	PROPN
fsr-3204	278	4	,	,	PUNCT
fsr-3204	278	5	&	&	CCONJ
fsr-3204	278	6	lee	lee	PROPN
fsr-3204	278	7	,	,	PUNCT
fsr-3204	278	8	j.	j.	PROPN
fsr-3204	278	9	(	(	PUNCT
fsr-3204	278	10	2004	2004	NUM
fsr-3204	278	11	)	)	PUNCT
fsr-3204	278	12	.	.	PUNCT
fsr-3204	279	1	consumer	consumer	NOUN
fsr-3204	279	2	information	information	NOUN
fsr-3204	279	3	search	search	NOUN
fsr-3204	279	4	when	when	SCONJ
fsr-3204	279	5	making	make	VERB
fsr-3204	279	6	investment	investment	NOUN
fsr-3204	279	7	decisions	decision	NOUN
fsr-3204	279	8	.	.	PUNCT
fsr-3204	280	1	financial	financial	ADJ
fsr-3204	280	2	services	service	NOUN
fsr-3204	280	3	review	review	PROPN
fsr-3204	280	4	,	,	PUNCT
fsr-3204	280	5	13	13	NUM
fsr-3204	280	6	,	,	PUNCT
fsr-3204	280	7	319–332	319–332	NUM
fsr-3204	280	8	.	.	PUNCT
fsr-3204	281	1	maxey	maxey	PROPN
fsr-3204	281	2	,	,	PUNCT
fsr-3204	281	3	d.	d.	PROPN
fsr-3204	281	4	(	(	PUNCT
fsr-3204	281	5	2013	2013	NUM
fsr-3204	281	6	)	)	PUNCT
fsr-3204	281	7	.	.	PUNCT
fsr-3204	282	1	adviser	adviser	NOUN
fsr-3204	282	2	registries	registry	NOUN
fsr-3204	282	3	draw	draw	VERB
fsr-3204	282	4	questions	question	NOUN
fsr-3204	282	5	about	about	ADP
fsr-3204	282	6	impartiality	impartiality	NOUN
fsr-3204	282	7	.	.	PUNCT
fsr-3204	283	1	the	the	DET
fsr-3204	283	2	wall	wall	PROPN
fsr-3204	283	3	street	street	PROPN
fsr-3204	283	4	journal	journal	PROPN
fsr-3204	283	5	,	,	PUNCT
fsr-3204	283	6	september	september	PROPN
fsr-3204	283	7	19	19	NUM
fsr-3204	283	8	.	.	PUNCT
fsr-3204	284	1	zweig	zweig	NOUN
fsr-3204	284	2	,	,	PUNCT
fsr-3204	284	3	j.	j.	PROPN
fsr-3204	284	4	,	,	PUNCT
fsr-3204	284	5	&	&	CCONJ
fsr-3204	284	6	pilon	pilon	PROPN
fsr-3204	284	7	,	,	PUNCT
fsr-3204	284	8	m.	m.	NOUN
fsr-3204	284	9	(	(	PUNCT
fsr-3204	284	10	2010	2010	NUM
fsr-3204	284	11	)	)	PUNCT
fsr-3204	284	12	.	.	PUNCT
fsr-3204	284	13	is	be	AUX
fsr-3204	284	14	your	your	PRON
fsr-3204	284	15	advisor	advisor	NOUN
fsr-3204	284	16	pumping	pump	VERB
fsr-3204	284	17	up	up	ADP
fsr-3204	284	18	his	his	PRON
fsr-3204	284	19	credentials	credential	NOUN
fsr-3204	284	20	?	?	PUNCT
fsr-3204	285	1	those	those	DET
fsr-3204	285	2	fancy	fancy	ADJ
fsr-3204	285	3	initials	initial	NOUN
fsr-3204	285	4	after	after	SCONJ
fsr-3204	285	5	your	your	PRON
fsr-3204	285	6	financial	financial	ADJ
fsr-3204	285	7	advisor	advisor	NOUN
fsr-3204	285	8	’s	’s	PART
fsr-3204	285	9	name	name	NOUN
fsr-3204	285	10	might	might	AUX
fsr-3204	285	11	not	not	PART
fsr-3204	285	12	be	be	AUX
fsr-3204	285	13	as	as	ADV
fsr-3204	285	14	impressive	impressive	ADJ
fsr-3204	285	15	as	as	SCONJ
fsr-3204	285	16	they	they	PRON
fsr-3204	285	17	seem	seem	VERB
fsr-3204	285	18	.	.	PUNCT
fsr-3204	286	1	the	the	DET
fsr-3204	286	2	wall	wall	PROPN
fsr-3204	286	3	street	street	PROPN
fsr-3204	286	4	journal	journal	PROPN
fsr-3204	286	5	,	,	PUNCT
fsr-3204	286	6	october	october	PROPN
fsr-3204	286	7	16	16	NUM
fsr-3204	286	8	.	.	PUNCT
fsr-3204	287	1	324	324	NUM
fsr-3204	287	2	b.	b.	PROPN
fsr-3204	287	3	balasubramnian	balasubramnian	PROPN
fsr-3204	287	4	et	et	PROPN
fsr-3204	287	5	al	al	PROPN
fsr-3204	287	6	.	.	PUNCT
fsr-3204	287	7	/	/	SYM
fsr-3204	287	8	financial	financial	ADJ
fsr-3204	287	9	services	service	NOUN
fsr-3204	287	10	review	review	VERB
fsr-3204	287	11	23	23	NUM
fsr-3204	287	12	(	(	PUNCT
fsr-3204	287	13	2014	2014	NUM
fsr-3204	287	14	)	)	PUNCT
fsr-3204	287	15	305–324	305–324	NUM