id	sid	tid	token	lemma	pos
fsr-3205	1	1	wealth	wealth	NOUN
fsr-3205	1	2	and	and	CCONJ
fsr-3205	1	3	credit	credit	NOUN
fsr-3205	1	4	compliance	compliance	NOUN
fsr-3205	1	5	:	:	PUNCT
fsr-3205	1	6	does	do	VERB
fsr-3205	1	7	economic	economic	ADJ
fsr-3205	1	8	literacy	literacy	NOUN
fsr-3205	1	9	matter	matter	NOUN
fsr-3205	1	10	?	?	PUNCT
fsr-3205	2	1	celeste	celeste	PROPN
fsr-3205	2	2	varuma	varuma	PROPN
fsr-3205	2	3	,	,	PUNCT
fsr-3205	2	4	*	*	SYM
fsr-3205	2	5	,	,	PUNCT
fsr-3205	2	6	alla	alla	ADJ
fsr-3205	2	7	kolybana	kolybana	PROPN
fsr-3205	2	8	adepartment	adepartment	PROPN
fsr-3205	2	9	of	of	ADP
fsr-3205	2	10	economics	economic	NOUN
fsr-3205	2	11	,	,	PUNCT
fsr-3205	2	12	management	management	NOUN
fsr-3205	2	13	and	and	CCONJ
fsr-3205	2	14	industrial	industrial	ADJ
fsr-3205	2	15	engineering	engineering	NOUN
fsr-3205	2	16	at	at	ADP
fsr-3205	2	17	the	the	DET
fsr-3205	2	18	university	university	PROPN
fsr-3205	2	19	of	of	ADP
fsr-3205	2	20	aveiro	aveiro	PROPN
fsr-3205	2	21	,	,	PUNCT
fsr-3205	2	22	campus	campus	PROPN
fsr-3205	2	23	universitário	universitário	PROPN
fsr-3205	2	24	de	de	PROPN
fsr-3205	2	25	santiago	santiago	PROPN
fsr-3205	2	26	,	,	PUNCT
fsr-3205	2	27	3810	3810	NUM
fsr-3205	2	28	-	-	SYM
fsr-3205	2	29	193	193	NUM
fsr-3205	2	30	,	,	PUNCT
fsr-3205	2	31	aveiro	aveiro	PROPN
fsr-3205	2	32	,	,	PUNCT
fsr-3205	2	33	portugal	portugal	PROPN
fsr-3205	2	34	abstract	abstract	ADJ
fsr-3205	2	35	the	the	DET
fsr-3205	2	36	purpose	purpose	NOUN
fsr-3205	2	37	of	of	ADP
fsr-3205	2	38	this	this	DET
fsr-3205	2	39	work	work	NOUN
fsr-3205	2	40	is	be	AUX
fsr-3205	2	41	to	to	PART
fsr-3205	2	42	empirically	empirically	ADV
fsr-3205	2	43	examine	examine	VERB
fsr-3205	2	44	the	the	DET
fsr-3205	2	45	influence	influence	NOUN
fsr-3205	2	46	of	of	ADP
fsr-3205	2	47	economic	economic	ADJ
fsr-3205	2	48	literacy	literacy	NOUN
fsr-3205	2	49	upon	upon	SCONJ
fsr-3205	2	50	individuals	individual	NOUN
fsr-3205	2	51	’	'	PUNCT
fsr-3205	2	52	over	over	ADP
fsr-3205	2	53	-	-	PUNCT
fsr-3205	2	54	indebtedness	indebtedness	NOUN
fsr-3205	2	55	and	and	CCONJ
fsr-3205	2	56	households	household	NOUN
fsr-3205	2	57	’	'	PUNCT
fsr-3205	2	58	wealth	wealth	NOUN
fsr-3205	2	59	.	.	PUNCT
fsr-3205	3	1	it	it	PRON
fsr-3205	3	2	may	may	AUX
fsr-3205	3	3	be	be	AUX
fsr-3205	3	4	argued	argue	VERB
fsr-3205	3	5	that	that	SCONJ
fsr-3205	3	6	the	the	DET
fsr-3205	3	7	lack	lack	NOUN
fsr-3205	3	8	of	of	ADP
fsr-3205	3	9	economicfinancial	economicfinancial	ADJ
fsr-3205	3	10	knowledge	knowledge	NOUN
fsr-3205	3	11	may	may	AUX
fsr-3205	3	12	have	have	VERB
fsr-3205	3	13	detrimental	detrimental	ADJ
fsr-3205	3	14	consequences	consequence	NOUN
fsr-3205	3	15	,	,	PUNCT
fsr-3205	3	16	in	in	ADP
fsr-3205	3	17	particular	particular	ADJ
fsr-3205	3	18	reflected	reflect	VERB
fsr-3205	3	19	in	in	ADP
fsr-3205	3	20	higher	high	ADJ
fsr-3205	3	21	exposure	exposure	NOUN
fsr-3205	3	22	to	to	ADP
fsr-3205	3	23	credit	credit	NOUN
fsr-3205	3	24	and	and	CCONJ
fsr-3205	3	25	financial	financial	ADJ
fsr-3205	3	26	risk	risk	NOUN
fsr-3205	3	27	.	.	PUNCT
fsr-3205	4	1	there	there	PRON
fsr-3205	4	2	is	be	VERB
fsr-3205	4	3	scarce	scarce	ADJ
fsr-3205	4	4	literature	literature	NOUN
fsr-3205	4	5	testing	test	VERB
fsr-3205	4	6	the	the	DET
fsr-3205	4	7	importance	importance	NOUN
fsr-3205	4	8	of	of	ADP
fsr-3205	4	9	economic	economic	ADJ
fsr-3205	4	10	-	-	PUNCT
fsr-3205	4	11	financial	financial	ADJ
fsr-3205	4	12	literacy	literacy	NOUN
fsr-3205	4	13	for	for	ADP
fsr-3205	4	14	individuals	individual	NOUN
fsr-3205	4	15	’	'	PUNCT
fsr-3205	4	16	over	over	ADP
fsr-3205	4	17	-	-	PUNCT
fsr-3205	4	18	indebtedness	indebtedness	NOUN
fsr-3205	4	19	and	and	CCONJ
fsr-3205	4	20	household	household	NOUN
fsr-3205	4	21	wealth	wealth	NOUN
fsr-3205	4	22	.	.	PUNCT
fsr-3205	5	1	this	this	DET
fsr-3205	5	2	article	article	NOUN
fsr-3205	5	3	provides	provide	VERB
fsr-3205	5	4	empirical	empirical	ADJ
fsr-3205	5	5	evidence	evidence	NOUN
fsr-3205	5	6	on	on	ADP
fsr-3205	5	7	the	the	DET
fsr-3205	5	8	importance	importance	NOUN
fsr-3205	5	9	of	of	ADP
fsr-3205	5	10	financial	financial	ADJ
fsr-3205	5	11	literacy	literacy	NOUN
fsr-3205	5	12	,	,	PUNCT
fsr-3205	5	13	for	for	ADP
fsr-3205	5	14	both	both	DET
fsr-3205	5	15	individuals	individual	NOUN
fsr-3205	5	16	’	'	PUNCT
fsr-3205	5	17	over	over	ADP
fsr-3205	5	18	-	-	PUNCT
fsr-3205	5	19	indebtedness	indebtedness	NOUN
fsr-3205	5	20	and	and	CCONJ
fsr-3205	5	21	household	household	NOUN
fsr-3205	5	22	wealth	wealth	NOUN
fsr-3205	5	23	,	,	PUNCT
fsr-3205	5	24	exploring	explore	VERB
fsr-3205	5	25	the	the	DET
fsr-3205	5	26	case	case	NOUN
fsr-3205	5	27	of	of	ADP
fsr-3205	5	28	portugal	portugal	PROPN
fsr-3205	5	29	,	,	PUNCT
fsr-3205	5	30	a	a	DET
fsr-3205	5	31	country	country	NOUN
fsr-3205	5	32	about	about	ADP
fsr-3205	5	33	which	which	PRON
fsr-3205	5	34	there	there	PRON
fsr-3205	5	35	is	be	VERB
fsr-3205	5	36	scant	scant	ADJ
fsr-3205	5	37	empirical	empirical	ADJ
fsr-3205	5	38	evidence	evidence	NOUN
fsr-3205	5	39	on	on	ADP
fsr-3205	5	40	these	these	DET
fsr-3205	5	41	matters	matter	NOUN
fsr-3205	5	42	.	.	PUNCT
fsr-3205	6	1	©	©	PROPN
fsr-3205	6	2	2014	2014	NUM
fsr-3205	6	3	academy	academy	NOUN
fsr-3205	6	4	of	of	ADP
fsr-3205	6	5	financial	financial	ADJ
fsr-3205	6	6	services	service	NOUN
fsr-3205	6	7	.	.	PUNCT
fsr-3205	7	1	all	all	DET
fsr-3205	7	2	rights	right	NOUN
fsr-3205	7	3	reserved	reserve	VERB
fsr-3205	7	4	.	.	PUNCT
fsr-3205	8	1	jel	jel	PROPN
fsr-3205	8	2	classification	classification	PROPN
fsr-3205	8	3	:	:	PUNCT
fsr-3205	8	4	b26	b26	NOUN
fsr-3205	8	5	;	;	PUNCT
fsr-3205	8	6	d8	d8	PROPN
fsr-3205	8	7	;	;	PUNCT
fsr-3205	8	8	d14	d14	NOUN
fsr-3205	8	9	;	;	PUNCT
fsr-3205	8	10	d3	d3	PROPN
fsr-3205	8	11	;	;	PUNCT
fsr-3205	8	12	h63	h63	NOUN
fsr-3205	8	13	keywords	keyword	NOUN
fsr-3205	8	14	:	:	PUNCT
fsr-3205	8	15	economic	economic	ADJ
fsr-3205	8	16	literacy	literacy	NOUN
fsr-3205	8	17	;	;	PUNCT
fsr-3205	8	18	financial	financial	ADJ
fsr-3205	8	19	literacy	literacy	NOUN
fsr-3205	8	20	;	;	PUNCT
fsr-3205	8	21	over	over	ADP
fsr-3205	8	22	-	-	PUNCT
fsr-3205	8	23	indebtedness	indebtedness	NOUN
fsr-3205	8	24	;	;	PUNCT
fsr-3205	8	25	wealth	wealth	NOUN
fsr-3205	8	26	1	1	NUM
fsr-3205	8	27	.	.	PUNCT
fsr-3205	8	28	introduction	introduction	NOUN
fsr-3205	8	29	a	a	DET
fsr-3205	8	30	recent	recent	ADJ
fsr-3205	8	31	report	report	NOUN
fsr-3205	8	32	on	on	ADP
fsr-3205	8	33	financial	financial	ADJ
fsr-3205	8	34	stability	stability	NOUN
fsr-3205	8	35	from	from	ADP
fsr-3205	8	36	the	the	DET
fsr-3205	8	37	bank	bank	NOUN
fsr-3205	8	38	of	of	ADP
fsr-3205	8	39	portugal	portugal	PROPN
fsr-3205	8	40	shows	show	VERB
fsr-3205	8	41	that	that	SCONJ
fsr-3205	8	42	the	the	DET
fsr-3205	8	43	degree	degree	NOUN
fsr-3205	8	44	of	of	ADP
fsr-3205	8	45	failure	failure	NOUN
fsr-3205	8	46	in	in	ADP
fsr-3205	8	47	the	the	DET
fsr-3205	8	48	portuguese	portuguese	ADJ
fsr-3205	8	49	economy	economy	NOUN
fsr-3205	8	50	continues	continue	VERB
fsr-3205	8	51	to	to	PART
fsr-3205	8	52	increase	increase	VERB
fsr-3205	8	53	to	to	ADP
fsr-3205	8	54	record	record	NOUN
fsr-3205	8	55	levels	level	NOUN
fsr-3205	8	56	,	,	PUNCT
fsr-3205	8	57	with	with	ADP
fsr-3205	8	58	bad	bad	ADJ
fsr-3205	8	59	loans	loan	NOUN
fsr-3205	8	60	reaching	reach	VERB
fsr-3205	8	61	the	the	DET
fsr-3205	8	62	highest	high	ADJ
fsr-3205	8	63	levels	level	NOUN
fsr-3205	8	64	in	in	ADP
fsr-3205	8	65	15	15	NUM
fsr-3205	8	66	years	year	NOUN
fsr-3205	8	67	.	.	PUNCT
fsr-3205	9	1	in	in	ADP
fsr-3205	9	2	total	total	ADJ
fsr-3205	9	3	lending	lending	NOUN
fsr-3205	9	4	to	to	ADP
fsr-3205	9	5	households	household	NOUN
fsr-3205	9	6	,	,	PUNCT
fsr-3205	9	7	the	the	DET
fsr-3205	9	8	amount	amount	NOUN
fsr-3205	9	9	classified	classify	VERB
fsr-3205	9	10	as	as	ADP
fsr-3205	9	11	doubtful	doubtful	ADJ
fsr-3205	9	12	debts	debt	NOUN
fsr-3205	9	13	amounted	amount	VERB
fsr-3205	9	14	to	to	ADP
fsr-3205	9	15	€	€	SYM
fsr-3205	9	16	5,031	5,031	NUM
fsr-3205	9	17	million	million	NUM
fsr-3205	9	18	eurosthe	eurosthe	DET
fsr-3205	9	19	highest	high	ADJ
fsr-3205	9	20	on	on	ADP
fsr-3205	9	21	records	record	NOUN
fsr-3205	9	22	.	.	PUNCT
fsr-3205	10	1	the	the	DET
fsr-3205	10	2	latest	late	ADJ
fsr-3205	10	3	figures	figure	NOUN
fsr-3205	10	4	show	show	VERB
fsr-3205	10	5	that	that	SCONJ
fsr-3205	10	6	out	out	ADP
fsr-3205	10	7	of	of	ADP
fsr-3205	10	8	€	€	SYM
fsr-3205	10	9	134,15	134,15	NUM
fsr-3205	10	10	million	million	NUM
fsr-3205	10	11	of	of	ADP
fsr-3205	10	12	loans	loan	NOUN
fsr-3205	10	13	to	to	ADP
fsr-3205	10	14	households	household	NOUN
fsr-3205	10	15	,	,	PUNCT
fsr-3205	10	16	3.73	3.73	NUM
fsr-3205	10	17	%	%	NOUN
fsr-3205	10	18	are	be	AUX
fsr-3205	10	19	of	of	ADP
fsr-3205	10	20	bad	bad	ADJ
fsr-3205	10	21	loans	loan	NOUN
fsr-3205	10	22	,	,	PUNCT
fsr-3205	10	23	meaning	mean	VERB
fsr-3205	10	24	deemed	deem	VERB
fsr-3205	10	25	uncollectible	uncollectible	ADJ
fsr-3205	10	26	by	by	ADP
fsr-3205	10	27	financial	financial	ADJ
fsr-3205	10	28	institutions	institution	NOUN
fsr-3205	10	29	.	.	PUNCT
fsr-3205	11	1	in	in	ADP
fsr-3205	11	2	loans	loan	NOUN
fsr-3205	11	3	to	to	ADP
fsr-3205	11	4	households	household	NOUN
fsr-3205	11	5	,	,	PUNCT
fsr-3205	11	6	out	out	ADP
fsr-3205	11	7	of	of	ADP
fsr-3205	11	8	the	the	DET
fsr-3205	11	9	*	*	PUNCT
fsr-3205	11	10	corresponding	correspond	VERB
fsr-3205	11	11	author	author	NOUN
fsr-3205	11	12	.	.	PUNCT
fsr-3205	12	1	tel	tel	PROPN
fsr-3205	12	2	.	.	PUNCT
fsr-3205	12	3	:	:	PUNCT
fsr-3205	12	4	00351	00351	NUM
fsr-3205	12	5	234	234	NUM
fsr-3205	12	6	370	370	NUM
fsr-3205	12	7	200	200	NUM
fsr-3205	12	8	;	;	PUNCT
fsr-3205	12	9	fax	fax	NOUN
fsr-3205	12	10	:	:	PUNCT
fsr-3205	12	11	00351	00351	NUM
fsr-3205	12	12	234	234	NUM
fsr-3205	12	13	370	370	NUM
fsr-3205	12	14	215	215	NUM
fsr-3205	12	15	.	.	PUNCT
fsr-3205	13	1	e	e	X
fsr-3205	13	2	-	-	NOUN
fsr-3205	13	3	mail	mail	NOUN
fsr-3205	13	4	address	address	NOUN
fsr-3205	13	5	:	:	PUNCT
fsr-3205	13	6	camorim@ua.pt	camorim@ua.pt	NOUN
fsr-3205	13	7	(	(	PUNCT
fsr-3205	13	8	c.	c.	PROPN
fsr-3205	13	9	varum	varum	PROPN
fsr-3205	13	10	)	)	PUNCT
fsr-3205	13	11	.	.	PUNCT
fsr-3205	14	1	financial	financial	ADJ
fsr-3205	14	2	services	service	NOUN
fsr-3205	14	3	review	review	VERB
fsr-3205	14	4	23	23	NUM
fsr-3205	14	5	(	(	PUNCT
fsr-3205	14	6	2014	2014	NUM
fsr-3205	14	7	)	)	PUNCT
fsr-3205	14	8	325–339	325–339	NUM
fsr-3205	14	9	1057	1057	NUM
fsr-3205	14	10	-	-	SYM
fsr-3205	14	11	0810/14/$	0810/14/$	NUM
fsr-3205	14	12	–	–	PUNCT
fsr-3205	14	13	see	see	VERB
fsr-3205	14	14	front	front	ADJ
fsr-3205	14	15	matter	matter	NOUN
fsr-3205	15	1	©	©	PROPN
fsr-3205	15	2	2014	2014	NUM
fsr-3205	15	3	academy	academy	NOUN
fsr-3205	15	4	of	of	ADP
fsr-3205	15	5	financial	financial	ADJ
fsr-3205	15	6	services	service	NOUN
fsr-3205	15	7	.	.	PUNCT
fsr-3205	16	1	all	all	DET
fsr-3205	16	2	rights	right	NOUN
fsr-3205	16	3	reserved	reserve	VERB
fsr-3205	16	4	.	.	PUNCT
fsr-3205	17	1	€	€	SYM
fsr-3205	17	2	5,031	5,031	NUM
fsr-3205	17	3	million	million	NUM
fsr-3205	17	4	classified	classify	VERB
fsr-3205	17	5	doubtful	doubtful	ADJ
fsr-3205	17	6	,	,	PUNCT
fsr-3205	17	7	€	€	SYM
fsr-3205	17	8	2,229	2,229	NUM
fsr-3205	17	9	million	million	NUM
fsr-3205	17	10	are	be	AUX
fsr-3205	17	11	in	in	ADP
fsr-3205	17	12	home	home	NOUN
fsr-3205	17	13	loans	loan	NOUN
fsr-3205	17	14	and	and	CCONJ
fsr-3205	17	15	€	€	SYM
fsr-3205	17	16	1,539	1,539	NUM
fsr-3205	17	17	million	million	NUM
fsr-3205	17	18	in	in	ADP
fsr-3205	17	19	consumer	consumer	NOUN
fsr-3205	17	20	credit	credit	NOUN
fsr-3205	17	21	(	(	PUNCT
fsr-3205	17	22	e.g.	e.g.	ADV
fsr-3205	17	23	,	,	PUNCT
fsr-3205	17	24	to	to	PART
fsr-3205	17	25	buy	buy	VERB
fsr-3205	17	26	cars	car	NOUN
fsr-3205	17	27	or	or	CCONJ
fsr-3205	17	28	appliances	appliance	NOUN
fsr-3205	17	29	)	)	PUNCT
fsr-3205	17	30	.	.	PUNCT
fsr-3205	18	1	moreover	moreover	ADV
fsr-3205	18	2	,	,	PUNCT
fsr-3205	18	3	owing	owe	VERB
fsr-3205	18	4	to	to	ADP
fsr-3205	18	5	the	the	DET
fsr-3205	18	6	large	large	ADJ
fsr-3205	18	7	debt	debt	NOUN
fsr-3205	18	8	ratio	ratio	NOUN
fsr-3205	18	9	and	and	CCONJ
fsr-3205	18	10	job	job	NOUN
fsr-3205	18	11	instability	instability	NOUN
fsr-3205	18	12	,	,	PUNCT
fsr-3205	18	13	personal	personal	ADJ
fsr-3205	18	14	bankruptcies	bankruptcy	NOUN
fsr-3205	18	15	jumped	jump	VERB
fsr-3205	18	16	to	to	ADP
fsr-3205	18	17	2,400	2,400	NUM
fsr-3205	18	18	,	,	PUNCT
fsr-3205	18	19	a	a	DET
fsr-3205	18	20	79	79	NUM
fsr-3205	18	21	%	%	NOUN
fsr-3205	18	22	increase	increase	NOUN
fsr-3205	18	23	in	in	ADP
fsr-3205	18	24	2010	2010	NUM
fsr-3205	18	25	.	.	PUNCT
fsr-3205	19	1	two	two	NUM
fsr-3205	19	2	in	in	ADP
fsr-3205	19	3	five	five	NUM
fsr-3205	19	4	bankruptcies	bankruptcy	NOUN
fsr-3205	19	5	in	in	ADP
fsr-3205	19	6	portugal	portugal	PROPN
fsr-3205	19	7	are	be	AUX
fsr-3205	19	8	no	no	ADV
fsr-3205	19	9	longer	long	ADV
fsr-3205	19	10	in	in	ADP
fsr-3205	19	11	business	business	NOUN
fsr-3205	19	12	,	,	PUNCT
fsr-3205	19	13	but	but	CCONJ
fsr-3205	19	14	individuals	individual	NOUN
fsr-3205	19	15	.	.	PUNCT
fsr-3205	20	1	these	these	DET
fsr-3205	20	2	facts	fact	NOUN
fsr-3205	20	3	are	be	AUX
fsr-3205	20	4	replicated	replicate	VERB
fsr-3205	20	5	in	in	ADP
fsr-3205	20	6	many	many	ADJ
fsr-3205	20	7	organization	organization	NOUN
fsr-3205	20	8	for	for	ADP
fsr-3205	20	9	economic	economic	ADJ
fsr-3205	20	10	co	co	NOUN
fsr-3205	20	11	-	-	NOUN
fsr-3205	20	12	operation	operation	NOUN
fsr-3205	20	13	and	and	CCONJ
fsr-3205	20	14	development	development	NOUN
fsr-3205	20	15	countries	country	NOUN
fsr-3205	20	16	.	.	PUNCT
fsr-3205	21	1	devaney	devaney	PROPN
fsr-3205	21	2	and	and	CCONJ
fsr-3205	21	3	lytton	lytton	PROPN
fsr-3205	21	4	(	(	PUNCT
fsr-3205	21	5	1995	1995	NUM
fsr-3205	21	6	)	)	PUNCT
fsr-3205	21	7	explored	explore	VERB
fsr-3205	21	8	the	the	DET
fsr-3205	21	9	problem	problem	NOUN
fsr-3205	21	10	with	with	ADP
fsr-3205	21	11	household	household	NOUN
fsr-3205	21	12	bankruptcy	bankruptcy	NOUN
fsr-3205	21	13	.	.	PUNCT
fsr-3205	22	1	however	however	ADV
fsr-3205	22	2	,	,	PUNCT
fsr-3205	22	3	more	more	ADV
fsr-3205	22	4	detailed	detailed	ADJ
fsr-3205	22	5	analyses	analysis	NOUN
fsr-3205	22	6	are	be	AUX
fsr-3205	22	7	necessary	necessary	ADJ
fsr-3205	22	8	to	to	PART
fsr-3205	22	9	reduce	reduce	VERB
fsr-3205	22	10	this	this	DET
fsr-3205	22	11	trend	trend	NOUN
fsr-3205	22	12	.	.	PUNCT
fsr-3205	23	1	the	the	DET
fsr-3205	23	2	rapid	rapid	ADJ
fsr-3205	23	3	growth	growth	NOUN
fsr-3205	23	4	in	in	ADP
fsr-3205	23	5	household	household	NOUN
fsr-3205	23	6	debt	debt	NOUN
fsr-3205	23	7	and	and	CCONJ
fsr-3205	23	8	its	its	PRON
fsr-3205	23	9	link	link	NOUN
fsr-3205	23	10	to	to	ADP
fsr-3205	23	11	the	the	DET
fsr-3205	23	12	current	current	ADJ
fsr-3205	23	13	financial	financial	ADJ
fsr-3205	23	14	crisis	crisis	NOUN
fsr-3205	23	15	has	have	AUX
fsr-3205	23	16	highlighted	highlight	VERB
fsr-3205	23	17	consumer	consumer	NOUN
fsr-3205	23	18	weaknesses	weakness	NOUN
fsr-3205	23	19	,	,	PUNCT
fsr-3205	23	20	and	and	CCONJ
fsr-3205	23	21	raises	raise	VERB
fsr-3205	23	22	the	the	DET
fsr-3205	23	23	question	question	NOUN
fsr-3205	23	24	of	of	ADP
fsr-3205	23	25	whether	whether	SCONJ
fsr-3205	23	26	individuals	individual	NOUN
fsr-3205	23	27	’	'	PUNCT
fsr-3205	23	28	lack	lack	NOUN
fsr-3205	23	29	of	of	ADP
fsr-3205	23	30	economic	economic	ADJ
fsr-3205	23	31	and	and	CCONJ
fsr-3205	23	32	financial	financial	ADJ
fsr-3205	23	33	knowledge	knowledge	NOUN
fsr-3205	23	34	led	lead	VERB
fsr-3205	23	35	them	they	PRON
fsr-3205	23	36	to	to	PART
fsr-3205	23	37	take	take	VERB
fsr-3205	23	38	out	out	ADP
fsr-3205	23	39	mortgages	mortgage	NOUN
fsr-3205	23	40	and	and	CCONJ
fsr-3205	23	41	revolving	revolve	VERB
fsr-3205	23	42	credit	credit	NOUN
fsr-3205	23	43	they	they	PRON
fsr-3205	23	44	could	could	AUX
fsr-3205	23	45	not	not	PART
fsr-3205	23	46	afford	afford	VERB
fsr-3205	23	47	.	.	PUNCT
fsr-3205	24	1	indeed	indeed	ADV
fsr-3205	24	2	,	,	PUNCT
fsr-3205	24	3	the	the	DET
fsr-3205	24	4	acknowledged	acknowledge	VERB
fsr-3205	24	5	widespread	widespread	ADJ
fsr-3205	24	6	lack	lack	NOUN
fsr-3205	24	7	of	of	ADP
fsr-3205	24	8	financial	financial	ADJ
fsr-3205	24	9	and	and	CCONJ
fsr-3205	24	10	economic	economic	ADJ
fsr-3205	24	11	literacy	literacy	NOUN
fsr-3205	24	12	casts	cast	VERB
fsr-3205	24	13	serious	serious	ADJ
fsr-3205	24	14	doubts	doubt	NOUN
fsr-3205	24	15	on	on	ADP
fsr-3205	24	16	the	the	DET
fsr-3205	24	17	ability	ability	NOUN
fsr-3205	24	18	of	of	ADP
fsr-3205	24	19	individuals	individual	NOUN
fsr-3205	24	20	to	to	PART
fsr-3205	24	21	make	make	VERB
fsr-3205	24	22	financial	financial	ADJ
fsr-3205	24	23	decisions	decision	NOUN
fsr-3205	24	24	.	.	PUNCT
fsr-3205	25	1	in	in	ADP
fsr-3205	25	2	this	this	DET
fsr-3205	25	3	article	article	NOUN
fsr-3205	25	4	we	we	PRON
fsr-3205	25	5	seek	seek	VERB
fsr-3205	25	6	to	to	PART
fsr-3205	25	7	understand	understand	VERB
fsr-3205	25	8	the	the	DET
fsr-3205	25	9	relationship	relationship	NOUN
fsr-3205	25	10	between	between	ADP
fsr-3205	25	11	both	both	CCONJ
fsr-3205	25	12	economic	economic	ADJ
fsr-3205	25	13	and/or	and/or	CCONJ
fsr-3205	25	14	financial	financial	ADJ
fsr-3205	25	15	literacy	literacy	NOUN
fsr-3205	25	16	and	and	CCONJ
fsr-3205	25	17	financial	financial	ADJ
fsr-3205	25	18	decision	decision	NOUN
fsr-3205	25	19	-	-	PUNCT
fsr-3205	25	20	making	making	NOUN
fsr-3205	25	21	,	,	PUNCT
fsr-3205	25	22	as	as	ADV
fsr-3205	25	23	well	well	ADV
fsr-3205	25	24	as	as	ADP
fsr-3205	25	25	how	how	SCONJ
fsr-3205	25	26	they	they	PRON
fsr-3205	25	27	may	may	AUX
fsr-3205	25	28	combine	combine	VERB
fsr-3205	25	29	to	to	PART
fsr-3205	25	30	cause	cause	VERB
fsr-3205	25	31	over	over	ADP
fsr-3205	25	32	-	-	PUNCT
fsr-3205	25	33	indebtedness	indebtedness	NOUN
fsr-3205	25	34	.	.	PUNCT
fsr-3205	26	1	the	the	DET
fsr-3205	26	2	study	study	NOUN
fsr-3205	26	3	is	be	AUX
fsr-3205	26	4	based	base	VERB
fsr-3205	26	5	upon	upon	SCONJ
fsr-3205	26	6	data	datum	NOUN
fsr-3205	26	7	collected	collect	VERB
fsr-3205	26	8	through	through	ADP
fsr-3205	26	9	a	a	DET
fsr-3205	26	10	new	new	ADJ
fsr-3205	26	11	survey	survey	NOUN
fsr-3205	26	12	focused	focus	VERB
fsr-3205	26	13	specifically	specifically	ADV
fsr-3205	26	14	on	on	ADP
fsr-3205	26	15	economic	economic	ADJ
fsr-3205	26	16	literacy	literacy	NOUN
fsr-3205	26	17	,	,	PUNCT
fsr-3205	26	18	including	include	VERB
fsr-3205	26	19	a	a	DET
fsr-3205	26	20	component	component	NOUN
fsr-3205	26	21	of	of	ADP
fsr-3205	26	22	financial	financial	ADJ
fsr-3205	26	23	literacy	literacy	NOUN
fsr-3205	26	24	.	.	PUNCT
fsr-3205	27	1	this	this	DET
fsr-3205	27	2	article	article	NOUN
fsr-3205	27	3	contributes	contribute	VERB
fsr-3205	27	4	to	to	ADP
fsr-3205	27	5	the	the	DET
fsr-3205	27	6	existing	exist	VERB
fsr-3205	27	7	literature	literature	NOUN
fsr-3205	27	8	in	in	ADP
fsr-3205	27	9	three	three	NUM
fsr-3205	27	10	ways	way	NOUN
fsr-3205	27	11	.	.	PUNCT
fsr-3205	28	1	first	first	ADV
fsr-3205	28	2	,	,	PUNCT
fsr-3205	28	3	our	our	PRON
fsr-3205	28	4	research	research	NOUN
fsr-3205	28	5	allows	allow	VERB
fsr-3205	28	6	us	we	PRON
fsr-3205	28	7	to	to	PART
fsr-3205	28	8	measure	measure	VERB
fsr-3205	28	9	economic	economic	ADJ
fsr-3205	28	10	literacy	literacy	NOUN
fsr-3205	28	11	,	,	PUNCT
fsr-3205	28	12	including	include	VERB
fsr-3205	28	13	financial	financial	ADJ
fsr-3205	28	14	matters	matter	NOUN
fsr-3205	28	15	,	,	PUNCT
fsr-3205	28	16	as	as	ADV
fsr-3205	28	17	well	well	ADV
fsr-3205	28	18	as	as	ADP
fsr-3205	28	19	individuals	individual	NOUN
fsr-3205	28	20	’	'	PUNCT
fsr-3205	28	21	perception	perception	NOUN
fsr-3205	28	22	of	of	ADP
fsr-3205	28	23	overindebtedness	overindebtedness	NOUN
fsr-3205	28	24	.	.	PUNCT
fsr-3205	29	1	rather	rather	ADV
fsr-3205	29	2	than	than	ADP
fsr-3205	29	3	relying	rely	VERB
fsr-3205	29	4	on	on	ADP
fsr-3205	29	5	existing	exist	VERB
fsr-3205	29	6	debt	debt	NOUN
fsr-3205	29	7	indicators	indicator	NOUN
fsr-3205	29	8	,	,	PUNCT
fsr-3205	29	9	we	we	PRON
fsr-3205	29	10	ask	ask	VERB
fsr-3205	29	11	individuals	individual	NOUN
fsr-3205	29	12	to	to	PART
fsr-3205	29	13	judge	judge	VERB
fsr-3205	29	14	their	their	PRON
fsr-3205	29	15	own	own	ADJ
fsr-3205	29	16	debt	debt	NOUN
fsr-3205	29	17	levels	level	NOUN
fsr-3205	29	18	(	(	PUNCT
fsr-3205	29	19	evaluate	evaluate	VERB
fsr-3205	29	20	their	their	PRON
fsr-3205	29	21	capacity	capacity	NOUN
fsr-3205	29	22	to	to	PART
fsr-3205	29	23	pay	pay	VERB
fsr-3205	29	24	their	their	PRON
fsr-3205	29	25	debts	debt	NOUN
fsr-3205	29	26	)	)	PUNCT
fsr-3205	29	27	.	.	PUNCT
fsr-3205	30	1	finally	finally	ADV
fsr-3205	30	2	,	,	PUNCT
fsr-3205	30	3	we	we	PRON
fsr-3205	30	4	assess	assess	VERB
fsr-3205	30	5	how	how	SCONJ
fsr-3205	30	6	economic	economic	ADJ
fsr-3205	30	7	and	and	CCONJ
fsr-3205	30	8	financial	financial	ADJ
fsr-3205	30	9	literacy	literacy	NOUN
fsr-3205	30	10	is	be	AUX
fsr-3205	30	11	linked	link	VERB
fsr-3205	30	12	to	to	ADP
fsr-3205	30	13	over	over	ADP
fsr-3205	30	14	-	-	PUNCT
fsr-3205	30	15	indebtedness	indebtedness	NOUN
fsr-3205	30	16	and	and	CCONJ
fsr-3205	30	17	monthly	monthly	ADJ
fsr-3205	30	18	household	household	NOUN
fsr-3205	30	19	income	income	NOUN
fsr-3205	30	20	.	.	PUNCT
fsr-3205	31	1	our	our	PRON
fsr-3205	31	2	sample	sample	NOUN
fsr-3205	31	3	comprises	comprise	VERB
fsr-3205	31	4	portuguese	portuguese	ADJ
fsr-3205	31	5	citizens	citizen	NOUN
fsr-3205	31	6	with	with	ADP
fsr-3205	31	7	respect	respect	NOUN
fsr-3205	31	8	to	to	ADP
fsr-3205	31	9	their	their	PRON
fsr-3205	31	10	economic	economic	ADJ
fsr-3205	31	11	and	and	CCONJ
fsr-3205	31	12	financial	financial	ADJ
fsr-3205	31	13	literacy	literacy	NOUN
fsr-3205	31	14	,	,	PUNCT
fsr-3205	31	15	and	and	CCONJ
fsr-3205	31	16	their	their	PRON
fsr-3205	31	17	judgments	judgment	NOUN
fsr-3205	31	18	about	about	ADP
fsr-3205	31	19	the	the	DET
fsr-3205	31	20	extent	extent	NOUN
fsr-3205	31	21	of	of	ADP
fsr-3205	31	22	their	their	PRON
fsr-3205	31	23	indebtedness	indebtedness	NOUN
fsr-3205	31	24	and	and	CCONJ
fsr-3205	31	25	levels	level	NOUN
fsr-3205	31	26	of	of	ADP
fsr-3205	31	27	income	income	NOUN
fsr-3205	31	28	.	.	PUNCT
fsr-3205	32	1	in	in	ADP
fsr-3205	32	2	the	the	DET
fsr-3205	32	3	next	next	ADJ
fsr-3205	32	4	section	section	NOUN
fsr-3205	32	5	we	we	PRON
fsr-3205	32	6	explore	explore	VERB
fsr-3205	32	7	the	the	DET
fsr-3205	32	8	nexus	nexus	NOUN
fsr-3205	32	9	between	between	ADP
fsr-3205	32	10	economic	economic	ADJ
fsr-3205	32	11	literacy	literacy	NOUN
fsr-3205	32	12	and	and	CCONJ
fsr-3205	32	13	over	over	ADP
fsr-3205	32	14	-	-	PUNCT
fsr-3205	32	15	indebtedness	indebtedness	NOUN
fsr-3205	32	16	.	.	PUNCT
fsr-3205	33	1	section	section	NOUN
fsr-3205	33	2	3	3	NUM
fsr-3205	33	3	describes	describe	VERB
fsr-3205	33	4	the	the	DET
fsr-3205	33	5	methodology	methodology	NOUN
fsr-3205	33	6	,	,	PUNCT
fsr-3205	33	7	while	while	SCONJ
fsr-3205	33	8	the	the	DET
fsr-3205	33	9	results	result	NOUN
fsr-3205	33	10	are	be	AUX
fsr-3205	33	11	reported	report	VERB
fsr-3205	33	12	in	in	ADP
fsr-3205	33	13	section	section	NOUN
fsr-3205	33	14	4	4	NUM
fsr-3205	33	15	.	.	PUNCT
fsr-3205	33	16	section	section	NOUN
fsr-3205	33	17	5	5	NUM
fsr-3205	33	18	concludes	conclude	VERB
fsr-3205	33	19	.	.	PUNCT
fsr-3205	34	1	2	2	X
fsr-3205	34	2	.	.	X
fsr-3205	34	3	economic	economic	ADJ
fsr-3205	34	4	literacy	literacy	NOUN
fsr-3205	34	5	and	and	CCONJ
fsr-3205	34	6	over	over	ADP
fsr-3205	34	7	-	-	PUNCT
fsr-3205	34	8	indebtedness	indebtedness	NOUN
fsr-3205	34	9	there	there	PRON
fsr-3205	34	10	is	be	VERB
fsr-3205	34	11	wide	wide	ADJ
fsr-3205	34	12	recognition	recognition	NOUN
fsr-3205	34	13	that	that	SCONJ
fsr-3205	34	14	people	people	NOUN
fsr-3205	34	15	in	in	ADP
fsr-3205	34	16	general	general	ADJ
fsr-3205	34	17	hold	hold	VERB
fsr-3205	34	18	low	low	ADJ
fsr-3205	34	19	levels	level	NOUN
fsr-3205	34	20	of	of	ADP
fsr-3205	34	21	economic	economic	ADJ
fsr-3205	34	22	and	and	CCONJ
fsr-3205	34	23	financial	financial	ADJ
fsr-3205	34	24	literacy	literacy	NOUN
fsr-3205	34	25	.	.	PUNCT
fsr-3205	35	1	as	as	SCONJ
fsr-3205	35	2	the	the	DET
fsr-3205	35	3	organization	organization	NOUN
fsr-3205	35	4	for	for	ADP
fsr-3205	35	5	economic	economic	ADJ
fsr-3205	35	6	co	co	NOUN
fsr-3205	35	7	-	-	NOUN
fsr-3205	35	8	operation	operation	NOUN
fsr-3205	35	9	and	and	CCONJ
fsr-3205	35	10	development	development	NOUN
fsr-3205	35	11	(	(	PUNCT
fsr-3205	35	12	2005	2005	NUM
fsr-3205	35	13	)	)	PUNCT
fsr-3205	35	14	report	report	NOUN
fsr-3205	35	15	on	on	ADP
fsr-3205	35	16	financial	financial	ADJ
fsr-3205	35	17	literacy	literacy	NOUN
fsr-3205	35	18	documents	document	NOUN
fsr-3205	35	19	,	,	PUNCT
fsr-3205	35	20	the	the	DET
fsr-3205	35	21	low	low	ADJ
fsr-3205	35	22	levels	level	NOUN
fsr-3205	35	23	of	of	ADP
fsr-3205	35	24	financial	financial	ADJ
fsr-3205	35	25	literacy	literacy	NOUN
fsr-3205	35	26	are	be	AUX
fsr-3205	35	27	not	not	PART
fsr-3205	35	28	exclusive	exclusive	ADJ
fsr-3205	35	29	to	to	ADP
fsr-3205	35	30	portugal	portugal	PROPN
fsr-3205	35	31	,	,	PUNCT
fsr-3205	35	32	it	it	PRON
fsr-3205	35	33	extend	extend	VERB
fsr-3205	35	34	to	to	ADP
fsr-3205	35	35	several	several	ADJ
fsr-3205	35	36	countries	country	NOUN
fsr-3205	35	37	.	.	PUNCT
fsr-3205	36	1	similarly	similarly	ADV
fsr-3205	36	2	,	,	PUNCT
fsr-3205	36	3	the	the	DET
fsr-3205	36	4	survey	survey	NOUN
fsr-3205	36	5	of	of	ADP
fsr-3205	36	6	health	health	NOUN
fsr-3205	36	7	,	,	PUNCT
fsr-3205	36	8	aging	aging	NOUN
fsr-3205	36	9	and	and	CCONJ
fsr-3205	36	10	retirement	retirement	NOUN
fsr-3205	36	11	in	in	ADP
fsr-3205	36	12	europe	europe	PROPN
fsr-3205	36	13	(	(	PUNCT
fsr-3205	36	14	share	share	NOUN
fsr-3205	36	15	)	)	PUNCT
fsr-3205	36	16	shows	show	VERB
fsr-3205	36	17	that	that	SCONJ
fsr-3205	36	18	respondents	respondent	NOUN
fsr-3205	36	19	score	score	VERB
fsr-3205	36	20	poorly	poorly	ADV
fsr-3205	36	21	on	on	ADP
fsr-3205	36	22	financial	financial	ADJ
fsr-3205	36	23	numeracy	numeracy	NOUN
fsr-3205	36	24	and	and	CCONJ
fsr-3205	36	25	literacy	literacy	NOUN
fsr-3205	36	26	scales	scale	NOUN
fsr-3205	36	27	(	(	PUNCT
fsr-3205	36	28	christelis	christelis	PROPN
fsr-3205	36	29	,	,	PUNCT
fsr-3205	36	30	jappelli	jappelli	PROPN
fsr-3205	36	31	,	,	PUNCT
fsr-3205	36	32	&	&	CCONJ
fsr-3205	36	33	padula	padula	PROPN
fsr-3205	36	34	,	,	PUNCT
fsr-3205	36	35	2010	2010	NUM
fsr-3205	36	36	)	)	PUNCT
fsr-3205	36	37	.	.	PUNCT
fsr-3205	37	1	rapid	rapid	ADJ
fsr-3205	37	2	growth	growth	NOUN
fsr-3205	37	3	in	in	ADP
fsr-3205	37	4	household	household	NOUN
fsr-3205	37	5	debt	debt	NOUN
fsr-3205	37	6	raises	raise	VERB
fsr-3205	37	7	the	the	DET
fsr-3205	37	8	question	question	NOUN
fsr-3205	37	9	of	of	ADP
fsr-3205	37	10	whether	whether	SCONJ
fsr-3205	37	11	individuals	individual	NOUN
fsr-3205	37	12	’	'	PUNCT
fsr-3205	37	13	lack	lack	NOUN
fsr-3205	37	14	of	of	ADP
fsr-3205	37	15	economic	economic	ADJ
fsr-3205	37	16	and	and	CCONJ
fsr-3205	37	17	financial	financial	ADJ
fsr-3205	37	18	knowledge	knowledge	NOUN
fsr-3205	37	19	led	lead	VERB
fsr-3205	37	20	them	they	PRON
fsr-3205	37	21	to	to	PART
fsr-3205	37	22	take	take	VERB
fsr-3205	37	23	out	out	ADP
fsr-3205	37	24	mortgages	mortgage	NOUN
fsr-3205	37	25	and	and	CCONJ
fsr-3205	37	26	revolving	revolve	VERB
fsr-3205	37	27	credit	credit	NOUN
fsr-3205	37	28	they	they	PRON
fsr-3205	37	29	could	could	AUX
fsr-3205	37	30	not	not	PART
fsr-3205	37	31	afford	afford	VERB
fsr-3205	37	32	.	.	PUNCT
fsr-3205	38	1	in	in	ADP
fsr-3205	38	2	recent	recent	ADJ
fsr-3205	38	3	years	year	NOUN
fsr-3205	38	4	,	,	PUNCT
fsr-3205	38	5	a	a	DET
fsr-3205	38	6	growing	grow	VERB
fsr-3205	38	7	body	body	NOUN
fsr-3205	38	8	of	of	ADP
fsr-3205	38	9	literature	literature	NOUN
fsr-3205	38	10	has	have	AUX
fsr-3205	38	11	shown	show	VERB
fsr-3205	38	12	that	that	SCONJ
fsr-3205	38	13	financial	financial	ADJ
fsr-3205	38	14	knowledge	knowledge	NOUN
fsr-3205	38	15	affects	affect	VERB
fsr-3205	38	16	a	a	DET
fsr-3205	38	17	wide	wide	ADJ
fsr-3205	38	18	range	range	NOUN
fsr-3205	38	19	of	of	ADP
fsr-3205	38	20	financial	financial	ADJ
fsr-3205	38	21	behaviors	behavior	NOUN
fsr-3205	38	22	(	(	PUNCT
fsr-3205	38	23	e.g.	e.g.	ADV
fsr-3205	38	24	,	,	PUNCT
fsr-3205	38	25	stock	stock	NOUN
fsr-3205	38	26	market	market	NOUN
fsr-3205	38	27	participation	participation	NOUN
fsr-3205	38	28	,	,	PUNCT
fsr-3205	38	29	portfolio	portfolio	NOUN
fsr-3205	38	30	diversification	diversification	NOUN
fsr-3205	38	31	,	,	PUNCT
fsr-3205	38	32	participation	participation	NOUN
fsr-3205	38	33	and	and	CCONJ
fsr-3205	38	34	asset	asset	NOUN
fsr-3205	38	35	allocation	allocation	NOUN
fsr-3205	38	36	,	,	PUNCT
fsr-3205	38	37	indebtedness	indebtedness	NOUN
fsr-3205	38	38	,	,	PUNCT
fsr-3205	38	39	etc	etc	X
fsr-3205	38	40	.	.	X
fsr-3205	38	41	)	)	PUNCT
fsr-3205	39	1	that	that	SCONJ
fsr-3205	39	2	in	in	ADP
fsr-3205	39	3	turn	turn	NOUN
fsr-3205	39	4	can	can	AUX
fsr-3205	39	5	affect	affect	VERB
fsr-3205	39	6	wealth	wealth	NOUN
fsr-3205	39	7	accumu326	accumu326	PROPN
fsr-3205	39	8	c.	c.	PROPN
fsr-3205	39	9	varum	varum	PROPN
fsr-3205	39	10	,	,	PUNCT
fsr-3205	39	11	a.	a.	PROPN
fsr-3205	39	12	kolyban	kolyban	PROPN
fsr-3205	39	13	/	/	SYM
fsr-3205	39	14	financial	financial	ADJ
fsr-3205	39	15	services	service	NOUN
fsr-3205	39	16	review	review	VERB
fsr-3205	39	17	23	23	NUM
fsr-3205	39	18	(	(	PUNCT
fsr-3205	39	19	2014	2014	NUM
fsr-3205	39	20	)	)	PUNCT
fsr-3205	39	21	325–339	325–339	NUM
fsr-3205	39	22	lation	lation	NOUN
fsr-3205	39	23	.	.	PUNCT
fsr-3205	40	1	indeed	indeed	ADV
fsr-3205	40	2	,	,	PUNCT
fsr-3205	40	3	research	research	NOUN
fsr-3205	40	4	in	in	ADP
fsr-3205	40	5	the	the	DET
fsr-3205	40	6	area	area	NOUN
fsr-3205	40	7	has	have	AUX
fsr-3205	40	8	typically	typically	ADV
fsr-3205	40	9	focused	focus	VERB
fsr-3205	40	10	on	on	ADP
fsr-3205	40	11	individuals	individual	NOUN
fsr-3205	40	12	’	'	PUNCT
fsr-3205	40	13	knowledge	knowledge	NOUN
fsr-3205	40	14	of	of	ADP
fsr-3205	40	15	economics	economic	NOUN
fsr-3205	40	16	and	and	CCONJ
fsr-3205	40	17	finance	finance	NOUN
fsr-3205	40	18	and	and	CCONJ
fsr-3205	40	19	its	its	PRON
fsr-3205	40	20	effects	effect	NOUN
fsr-3205	40	21	on	on	ADP
fsr-3205	40	22	financial	financial	ADJ
fsr-3205	40	23	decisions	decision	NOUN
fsr-3205	40	24	,	,	PUNCT
fsr-3205	40	25	usually	usually	ADV
fsr-3205	40	26	related	relate	VERB
fsr-3205	40	27	to	to	ADP
fsr-3205	40	28	savings	saving	NOUN
fsr-3205	40	29	,	,	PUNCT
fsr-3205	40	30	retirement	retirement	NOUN
fsr-3205	40	31	planning	planning	NOUN
fsr-3205	40	32	,	,	PUNCT
fsr-3205	40	33	or	or	CCONJ
fsr-3205	40	34	portfolio	portfolio	NOUN
fsr-3205	40	35	choice	choice	NOUN
fsr-3205	40	36	(	(	PUNCT
fsr-3205	40	37	lusardi	lusardi	PROPN
fsr-3205	40	38	&	&	CCONJ
fsr-3205	40	39	tufano	tufano	ADJ
fsr-3205	40	40	,	,	PUNCT
fsr-3205	40	41	2009	2009	NUM
fsr-3205	40	42	)	)	PUNCT
fsr-3205	40	43	.	.	PUNCT
fsr-3205	41	1	there	there	PRON
fsr-3205	41	2	is	be	VERB
fsr-3205	41	3	some	some	DET
fsr-3205	41	4	indication	indication	NOUN
fsr-3205	41	5	that	that	SCONJ
fsr-3205	41	6	economic	economic	ADJ
fsr-3205	41	7	and	and	CCONJ
fsr-3205	41	8	financial	financial	ADJ
fsr-3205	41	9	literacy	literacy	NOUN
fsr-3205	41	10	may	may	AUX
fsr-3205	41	11	affect	affect	VERB
fsr-3205	41	12	debt	debt	NOUN
fsr-3205	41	13	as	as	ADV
fsr-3205	41	14	well	well	ADV
fsr-3205	41	15	.	.	PUNCT
fsr-3205	42	1	we	we	PRON
fsr-3205	42	2	expect	expect	VERB
fsr-3205	42	3	people	people	NOUN
fsr-3205	42	4	with	with	ADP
fsr-3205	42	5	higher	high	ADJ
fsr-3205	42	6	levels	level	NOUN
fsr-3205	42	7	of	of	ADP
fsr-3205	42	8	economic	economic	ADJ
fsr-3205	42	9	literacy	literacy	NOUN
fsr-3205	42	10	lato	lato	NOUN
fsr-3205	42	11	sensu	sensu	NOUN
fsr-3205	42	12	,	,	PUNCT
fsr-3205	42	13	to	to	PART
fsr-3205	42	14	have	have	VERB
fsr-3205	42	15	better	well	ADJ
fsr-3205	42	16	capacity	capacity	NOUN
fsr-3205	42	17	to	to	PART
fsr-3205	42	18	avoid	avoid	VERB
fsr-3205	42	19	excess	excess	ADJ
fsr-3205	42	20	indebtedness	indebtedness	NOUN
fsr-3205	42	21	.	.	PUNCT
fsr-3205	43	1	this	this	DET
fsr-3205	43	2	knowledge	knowledge	NOUN
fsr-3205	43	3	influences	influence	VERB
fsr-3205	43	4	ones	one	NOUN
fsr-3205	43	5	’	'	PUNCT
fsr-3205	43	6	ability	ability	NOUN
fsr-3205	43	7	to	to	PART
fsr-3205	43	8	make	make	VERB
fsr-3205	43	9	simple	simple	ADJ
fsr-3205	43	10	decisions	decision	NOUN
fsr-3205	43	11	(	(	PUNCT
fsr-3205	43	12	e.g.	e.g.	ADV
fsr-3205	43	13	,	,	PUNCT
fsr-3205	43	14	regarding	regard	VERB
fsr-3205	43	15	debt	debt	NOUN
fsr-3205	43	16	contracts	contract	NOUN
fsr-3205	43	17	and	and	CCONJ
fsr-3205	43	18	other	other	ADJ
fsr-3205	43	19	decisions	decision	NOUN
fsr-3205	43	20	in	in	ADP
fsr-3205	43	21	the	the	DET
fsr-3205	43	22	context	context	NOUN
fsr-3205	43	23	of	of	ADP
fsr-3205	43	24	everyday	everyday	ADJ
fsr-3205	43	25	financial	financial	ADJ
fsr-3205	43	26	choices	choice	NOUN
fsr-3205	43	27	)	)	PUNCT
fsr-3205	43	28	.	.	PUNCT
fsr-3205	44	1	however	however	ADV
fsr-3205	44	2	,	,	PUNCT
fsr-3205	44	3	little	little	ADJ
fsr-3205	44	4	research	research	NOUN
fsr-3205	44	5	has	have	AUX
fsr-3205	44	6	been	be	AUX
fsr-3205	44	7	done	do	VERB
fsr-3205	44	8	on	on	ADP
fsr-3205	44	9	the	the	DET
fsr-3205	44	10	relationship	relationship	NOUN
fsr-3205	44	11	between	between	ADP
fsr-3205	44	12	economic	economic	ADJ
fsr-3205	44	13	and	and	CCONJ
fsr-3205	44	14	financial	financial	ADJ
fsr-3205	44	15	literacy	literacy	NOUN
fsr-3205	44	16	and	and	CCONJ
fsr-3205	44	17	indebtedness	indebtedness	NOUN
fsr-3205	44	18	.	.	PUNCT
fsr-3205	45	1	economic	economic	ADJ
fsr-3205	45	2	literacy	literacy	NOUN
fsr-3205	45	3	comprises	comprise	VERB
fsr-3205	45	4	a	a	DET
fsr-3205	45	5	set	set	NOUN
fsr-3205	45	6	of	of	ADP
fsr-3205	45	7	knowledge	knowledge	NOUN
fsr-3205	45	8	and	and	CCONJ
fsr-3205	45	9	competences	competence	NOUN
fsr-3205	45	10	allowing	allow	VERB
fsr-3205	45	11	agents	agent	NOUN
fsr-3205	45	12	to	to	PART
fsr-3205	45	13	improve	improve	VERB
fsr-3205	45	14	their	their	PRON
fsr-3205	45	15	personnel	personnel	NOUN
fsr-3205	45	16	decisions	decision	NOUN
fsr-3205	45	17	in	in	ADP
fsr-3205	45	18	daily	daily	ADJ
fsr-3205	45	19	activities	activity	NOUN
fsr-3205	45	20	,	,	PUNCT
fsr-3205	45	21	this	this	PRON
fsr-3205	45	22	is	be	AUX
fsr-3205	45	23	a	a	DET
fsr-3205	45	24	wide	wide	ADJ
fsr-3205	45	25	concept	concept	NOUN
fsr-3205	45	26	comprising	comprise	VERB
fsr-3205	45	27	economic	economic	ADJ
fsr-3205	45	28	and	and	CCONJ
fsr-3205	45	29	financial	financial	ADJ
fsr-3205	45	30	concepts	concept	NOUN
fsr-3205	45	31	.	.	PUNCT
fsr-3205	46	1	in	in	ADP
fsr-3205	46	2	addition	addition	NOUN
fsr-3205	46	3	,	,	PUNCT
fsr-3205	46	4	economic	economic	ADJ
fsr-3205	46	5	literacy	literacy	NOUN
fsr-3205	46	6	is	be	AUX
fsr-3205	46	7	about	about	ADP
fsr-3205	46	8	making	make	VERB
fsr-3205	46	9	trade	trade	NOUN
fsr-3205	46	10	-	-	PUNCT
fsr-3205	46	11	offs	off	NOUN
fsr-3205	46	12	between	between	ADP
fsr-3205	46	13	deficient	deficient	ADJ
fsr-3205	46	14	resources	resource	NOUN
fsr-3205	46	15	(	(	PUNCT
fsr-3205	46	16	dahl	dahl	NOUN
fsr-3205	46	17	,	,	PUNCT
fsr-3205	46	18	1998	1998	NUM
fsr-3205	46	19	)	)	PUNCT
fsr-3205	46	20	,	,	PUNCT
fsr-3205	46	21	getting	get	VERB
fsr-3205	46	22	a	a	DET
fsr-3205	46	23	job	job	NOUN
fsr-3205	46	24	and	and	CCONJ
fsr-3205	46	25	combatting	combat	VERB
fsr-3205	46	26	inflation	inflation	NOUN
fsr-3205	46	27	(	(	PUNCT
fsr-3205	46	28	buchholz	buchholz	PROPN
fsr-3205	46	29	,	,	PUNCT
fsr-3205	46	30	1998	1998	NUM
fsr-3205	46	31	)	)	PUNCT
fsr-3205	46	32	,	,	PUNCT
fsr-3205	46	33	understanding	understand	VERB
fsr-3205	46	34	the	the	DET
fsr-3205	46	35	forces	force	NOUN
fsr-3205	46	36	that	that	PRON
fsr-3205	46	37	influence	influence	VERB
fsr-3205	46	38	the	the	DET
fsr-3205	46	39	quality	quality	NOUN
fsr-3205	46	40	of	of	ADP
fsr-3205	46	41	households	household	NOUN
fsr-3205	46	42	lives	life	NOUN
fsr-3205	46	43	(	(	PUNCT
fsr-3205	46	44	farrell	farrell	PROPN
fsr-3205	46	45	,	,	PUNCT
fsr-3205	46	46	1999	1999	NUM
fsr-3205	46	47	)	)	PUNCT
fsr-3205	46	48	,	,	PUNCT
fsr-3205	46	49	and	and	CCONJ
fsr-3205	46	50	increasing	increase	VERB
fsr-3205	46	51	competence	competence	NOUN
fsr-3205	46	52	skills	skill	NOUN
fsr-3205	46	53	in	in	ADP
fsr-3205	46	54	complex	complex	ADJ
fsr-3205	46	55	global	global	ADJ
fsr-3205	46	56	markets	market	NOUN
fsr-3205	46	57	(	(	PUNCT
fsr-3205	46	58	gupta	gupta	PROPN
fsr-3205	46	59	,	,	PUNCT
fsr-3205	46	60	2006	2006	NUM
fsr-3205	46	61	)	)	PUNCT
fsr-3205	46	62	.	.	PUNCT
fsr-3205	47	1	in	in	ADP
fsr-3205	47	2	summary	summary	NOUN
fsr-3205	47	3	,	,	PUNCT
fsr-3205	47	4	economic	economic	ADJ
fsr-3205	47	5	knowledge	knowledge	NOUN
fsr-3205	47	6	will	will	AUX
fsr-3205	47	7	apply	apply	VERB
fsr-3205	47	8	to	to	ADP
fsr-3205	47	9	daily	daily	ADJ
fsr-3205	47	10	decisions	decision	NOUN
fsr-3205	47	11	about	about	ADP
fsr-3205	47	12	financial	financial	ADJ
fsr-3205	47	13	to	to	ADP
fsr-3205	47	14	money	money	NOUN
fsr-3205	47	15	management	management	NOUN
fsr-3205	47	16	;	;	PUNCT
fsr-3205	47	17	it	it	PRON
fsr-3205	47	18	comprises	comprise	VERB
fsr-3205	47	19	the	the	DET
fsr-3205	47	20	ability	ability	NOUN
fsr-3205	47	21	to	to	PART
fsr-3205	47	22	understand	understand	VERB
fsr-3205	47	23	,	,	PUNCT
fsr-3205	47	24	communicate	communicate	VERB
fsr-3205	47	25	,	,	PUNCT
fsr-3205	47	26	manage	manage	VERB
fsr-3205	47	27	,	,	PUNCT
fsr-3205	47	28	decide	decide	VERB
fsr-3205	47	29	,	,	PUNCT
fsr-3205	47	30	and	and	CCONJ
fsr-3205	47	31	forecast	forecast	VERB
fsr-3205	47	32	the	the	DET
fsr-3205	47	33	financial	financial	ADJ
fsr-3205	47	34	issues	issue	NOUN
fsr-3205	47	35	(	(	PUNCT
fsr-3205	47	36	remund	remund	NOUN
fsr-3205	47	37	,	,	PUNCT
fsr-3205	47	38	2010	2010	NUM
fsr-3205	47	39	)	)	PUNCT
fsr-3205	47	40	.	.	PUNCT
fsr-3205	48	1	the	the	DET
fsr-3205	48	2	foundation	foundation	NOUN
fsr-3205	48	3	of	of	ADP
fsr-3205	48	4	financial	financial	ADJ
fsr-3205	48	5	decisions	decision	NOUN
fsr-3205	48	6	is	be	AUX
fsr-3205	48	7	general	general	ADJ
fsr-3205	48	8	economic	economic	ADJ
fsr-3205	48	9	knowledge	knowledge	NOUN
fsr-3205	48	10	.	.	PUNCT
fsr-3205	49	1	according	accord	VERB
fsr-3205	49	2	to	to	ADP
fsr-3205	49	3	lusardi	lusardi	PROPN
fsr-3205	49	4	and	and	CCONJ
fsr-3205	49	5	mitchell	mitchell	PROPN
fsr-3205	49	6	(	(	PUNCT
fsr-3205	49	7	2007	2007	NUM
fsr-3205	49	8	)	)	PUNCT
fsr-3205	49	9	and	and	CCONJ
fsr-3205	49	10	pang	pang	NOUN
fsr-3205	49	11	(	(	PUNCT
fsr-3205	49	12	2010	2010	NUM
fsr-3205	49	13	)	)	PUNCT
fsr-3205	49	14	financial	financial	ADJ
fsr-3205	49	15	literacy	literacy	NOUN
fsr-3205	49	16	will	will	AUX
fsr-3205	49	17	give	give	VERB
fsr-3205	49	18	the	the	DET
fsr-3205	49	19	agent	agent	NOUN
fsr-3205	49	20	knowledge	knowledge	NOUN
fsr-3205	49	21	about	about	ADP
fsr-3205	49	22	economic	economic	ADJ
fsr-3205	49	23	concepts	concept	NOUN
fsr-3205	49	24	that	that	PRON
fsr-3205	49	25	will	will	AUX
fsr-3205	49	26	be	be	AUX
fsr-3205	49	27	used	use	VERB
fsr-3205	49	28	to	to	PART
fsr-3205	49	29	plan	plan	VERB
fsr-3205	49	30	,	,	PUNCT
fsr-3205	49	31	evaluate	evaluate	VERB
fsr-3205	49	32	,	,	PUNCT
fsr-3205	49	33	and	and	CCONJ
fsr-3205	49	34	accurately	accurately	ADV
fsr-3205	49	35	decide	decide	VERB
fsr-3205	49	36	about	about	ADP
fsr-3205	49	37	financial	financial	ADJ
fsr-3205	49	38	aspects	aspect	NOUN
fsr-3205	49	39	.	.	PUNCT
fsr-3205	50	1	in	in	ADP
fsr-3205	50	2	contrast	contrast	NOUN
fsr-3205	50	3	,	,	PUNCT
fsr-3205	50	4	insufficient	insufficient	ADJ
fsr-3205	50	5	economic	economic	ADJ
fsr-3205	50	6	or	or	CCONJ
fsr-3205	50	7	financial	financial	ADJ
fsr-3205	50	8	knowledge	knowledge	NOUN
fsr-3205	50	9	leads	lead	VERB
fsr-3205	50	10	to	to	ADP
fsr-3205	50	11	low	low	ADJ
fsr-3205	50	12	savings	saving	NOUN
fsr-3205	50	13	,	,	PUNCT
fsr-3205	50	14	mortgage	mortgage	NOUN
fsr-3205	50	15	defaults	default	NOUN
fsr-3205	50	16	and	and	CCONJ
fsr-3205	50	17	financial	financial	ADJ
fsr-3205	50	18	mistakes	mistake	NOUN
fsr-3205	50	19	,	,	PUNCT
fsr-3205	50	20	extra	extra	ADJ
fsr-3205	50	21	fees	fee	NOUN
fsr-3205	50	22	,	,	PUNCT
fsr-3205	50	23	or	or	CCONJ
fsr-3205	50	24	excessive	excessive	ADJ
fsr-3205	50	25	interest	interest	NOUN
fsr-3205	50	26	rates	rate	NOUN
fsr-3205	50	27	on	on	ADP
fsr-3205	50	28	credit	credit	NOUN
fsr-3205	50	29	card	card	NOUN
fsr-3205	50	30	debt	debt	NOUN
fsr-3205	50	31	(	(	PUNCT
fsr-3205	50	32	agarwal	agarwal	PROPN
fsr-3205	50	33	et	et	PROPN
fsr-3205	50	34	al	al	PROPN
fsr-3205	50	35	.	.	PROPN
fsr-3205	50	36	,	,	PUNCT
fsr-3205	50	37	2009	2009	NUM
fsr-3205	50	38	;	;	PUNCT
fsr-3205	50	39	agarwal	agarwal	PROPN
fsr-3205	50	40	&	&	CCONJ
fsr-3205	50	41	mazumder	mazumder	PROPN
fsr-3205	50	42	,	,	PUNCT
fsr-3205	50	43	2011	2011	NUM
fsr-3205	50	44	;	;	PUNCT
fsr-3205	50	45	banks	bank	NOUN
fsr-3205	50	46	&	&	CCONJ
fsr-3205	50	47	oldfield	oldfield	PROPN
fsr-3205	50	48	,	,	PUNCT
fsr-3205	50	49	2007	2007	NUM
fsr-3205	50	50	;	;	PUNCT
fsr-3205	50	51	gerardi	gerardi	NOUN
fsr-3205	50	52	,	,	PUNCT
fsr-3205	50	53	goette	goette	NOUN
fsr-3205	50	54	,	,	PUNCT
fsr-3205	50	55	&	&	CCONJ
fsr-3205	50	56	meier	meier	PROPN
fsr-3205	50	57	,	,	PUNCT
fsr-3205	50	58	2010	2010	NUM
fsr-3205	50	59	)	)	PUNCT
fsr-3205	50	60	.	.	PUNCT
fsr-3205	51	1	moreover	moreover	ADV
fsr-3205	51	2	,	,	PUNCT
fsr-3205	51	3	economically	economically	ADV
fsr-3205	51	4	illiterate	illiterate	ADJ
fsr-3205	51	5	individuals	individual	NOUN
fsr-3205	51	6	may	may	AUX
fsr-3205	51	7	be	be	AUX
fsr-3205	51	8	intimidated	intimidate	VERB
fsr-3205	51	9	by	by	ADP
fsr-3205	51	10	politicians	politician	NOUN
fsr-3205	51	11	(	(	PUNCT
fsr-3205	51	12	gupta	gupta	PROPN
fsr-3205	51	13	,	,	PUNCT
fsr-3205	51	14	2006	2006	NUM
fsr-3205	51	15	)	)	PUNCT
fsr-3205	51	16	.	.	PUNCT
fsr-3205	52	1	moore	moore	PROPN
fsr-3205	52	2	(	(	PUNCT
fsr-3205	52	3	2003	2003	NUM
fsr-3205	52	4	)	)	PUNCT
fsr-3205	52	5	reports	report	VERB
fsr-3205	52	6	that	that	SCONJ
fsr-3205	52	7	respondents	respondent	NOUN
fsr-3205	52	8	with	with	ADP
fsr-3205	52	9	lower	low	ADJ
fsr-3205	52	10	levels	level	NOUN
fsr-3205	52	11	of	of	ADP
fsr-3205	52	12	financial	financial	ADJ
fsr-3205	52	13	literacy	literacy	NOUN
fsr-3205	52	14	were	be	AUX
fsr-3205	52	15	more	more	ADV
fsr-3205	52	16	likely	likely	ADJ
fsr-3205	52	17	to	to	PART
fsr-3205	52	18	have	have	VERB
fsr-3205	52	19	costly	costly	ADJ
fsr-3205	52	20	mortgages	mortgage	NOUN
fsr-3205	52	21	.	.	PUNCT
fsr-3205	53	1	the	the	DET
fsr-3205	53	2	results	result	NOUN
fsr-3205	53	3	from	from	ADP
fsr-3205	53	4	lusardi	lusardi	NOUN
fsr-3205	53	5	and	and	CCONJ
fsr-3205	53	6	tufano	tufano	ADJ
fsr-3205	53	7	(	(	PUNCT
fsr-3205	53	8	2009	2009	NUM
fsr-3205	53	9	)	)	PUNCT
fsr-3205	53	10	reinforce	reinforce	VERB
fsr-3205	53	11	this	this	DET
fsr-3205	53	12	concept	concept	NOUN
fsr-3205	53	13	as	as	SCONJ
fsr-3205	53	14	they	they	PRON
fsr-3205	53	15	have	have	AUX
fsr-3205	53	16	found	find	VERB
fsr-3205	53	17	a	a	DET
fsr-3205	53	18	strong	strong	ADJ
fsr-3205	53	19	negative	negative	ADJ
fsr-3205	53	20	relation	relation	NOUN
fsr-3205	53	21	between	between	ADP
fsr-3205	53	22	literacy	literacy	NOUN
fsr-3205	53	23	about	about	ADP
fsr-3205	53	24	debt	debt	NOUN
fsr-3205	53	25	-	-	PUNCT
fsr-3205	53	26	related	relate	VERB
fsr-3205	53	27	issues	issue	NOUN
fsr-3205	53	28	and	and	CCONJ
fsr-3205	53	29	debt	debt	NOUN
fsr-3205	53	30	loads	load	NOUN
fsr-3205	53	31	.	.	PUNCT
fsr-3205	54	1	generally	generally	ADV
fsr-3205	54	2	,	,	PUNCT
fsr-3205	54	3	individuals	individual	NOUN
fsr-3205	54	4	with	with	ADP
fsr-3205	54	5	lower	low	ADJ
fsr-3205	54	6	levels	level	NOUN
fsr-3205	54	7	of	of	ADP
fsr-3205	54	8	debt	debt	NOUN
fsr-3205	54	9	literacy	literacy	NOUN
fsr-3205	54	10	tended	tend	VERB
fsr-3205	54	11	to	to	PART
fsr-3205	54	12	conduct	conduct	VERB
fsr-3205	54	13	high	high	ADJ
fsr-3205	54	14	-	-	PUNCT
fsr-3205	54	15	cost	cost	NOUN
fsr-3205	54	16	transactions	transaction	NOUN
fsr-3205	54	17	(	(	PUNCT
fsr-3205	54	18	incurring	incur	VERB
fsr-3205	54	19	fees	fee	NOUN
fsr-3205	54	20	and	and	CCONJ
fsr-3205	54	21	high	high	ADJ
fsr-3205	54	22	borrowing	borrowing	NOUN
fsr-3205	54	23	rates	rate	NOUN
fsr-3205	54	24	)	)	PUNCT
fsr-3205	54	25	;	;	PUNCT
fsr-3205	54	26	the	the	DET
fsr-3205	54	27	less	less	ADV
fsr-3205	54	28	financially	financially	ADV
fsr-3205	54	29	literate	literate	ADJ
fsr-3205	54	30	were	be	AUX
fsr-3205	54	31	either	either	CCONJ
fsr-3205	54	32	unable	unable	ADJ
fsr-3205	54	33	to	to	PART
fsr-3205	54	34	judge	judge	VERB
fsr-3205	54	35	their	their	PRON
fsr-3205	54	36	debt	debt	NOUN
fsr-3205	54	37	position	position	NOUN
fsr-3205	54	38	or	or	CCONJ
fsr-3205	54	39	reported	report	VERB
fsr-3205	54	40	excessive	excessive	ADJ
fsr-3205	54	41	debt	debt	NOUN
fsr-3205	54	42	loads	load	NOUN
fsr-3205	54	43	.	.	PUNCT
fsr-3205	55	1	along	along	ADP
fsr-3205	55	2	this	this	DET
fsr-3205	55	3	line	line	NOUN
fsr-3205	55	4	,	,	PUNCT
fsr-3205	55	5	perry	perry	PROPN
fsr-3205	55	6	and	and	CCONJ
fsr-3205	55	7	morris	morris	PROPN
fsr-3205	55	8	(	(	PUNCT
fsr-3205	55	9	2005	2005	NUM
fsr-3205	55	10	)	)	PUNCT
fsr-3205	55	11	found	find	VERB
fsr-3205	55	12	individuals	individual	NOUN
fsr-3205	55	13	who	who	PRON
fsr-3205	55	14	were	be	AUX
fsr-3205	55	15	more	more	ADV
fsr-3205	55	16	knowledgeable	knowledgeable	ADJ
fsr-3205	55	17	about	about	ADP
fsr-3205	55	18	financial	financial	ADJ
fsr-3205	55	19	matters	matter	NOUN
fsr-3205	55	20	were	be	AUX
fsr-3205	55	21	generally	generally	ADV
fsr-3205	55	22	more	more	ADV
fsr-3205	55	23	likely	likely	ADJ
fsr-3205	55	24	to	to	PART
fsr-3205	55	25	engage	engage	VERB
fsr-3205	55	26	in	in	ADP
fsr-3205	55	27	financially	financially	ADV
fsr-3205	55	28	responsible	responsible	ADJ
fsr-3205	55	29	behavior	behavior	NOUN
fsr-3205	55	30	,	,	PUNCT
fsr-3205	55	31	such	such	ADJ
fsr-3205	55	32	as	as	ADP
fsr-3205	55	33	controlling	control	VERB
fsr-3205	55	34	their	their	PRON
fsr-3205	55	35	spending	spending	NOUN
fsr-3205	55	36	,	,	PUNCT
fsr-3205	55	37	budgeting	budgeting	NOUN
fsr-3205	55	38	,	,	PUNCT
fsr-3205	55	39	and	and	CCONJ
fsr-3205	55	40	planning	plan	VERB
fsr-3205	55	41	for	for	ADP
fsr-3205	55	42	the	the	DET
fsr-3205	55	43	future	future	NOUN
fsr-3205	55	44	.	.	PUNCT
fsr-3205	56	1	other	other	ADJ
fsr-3205	56	2	works	work	NOUN
fsr-3205	56	3	explore	explore	VERB
fsr-3205	56	4	the	the	DET
fsr-3205	56	5	relationship	relationship	NOUN
fsr-3205	56	6	between	between	ADP
fsr-3205	56	7	financial	financial	ADJ
fsr-3205	56	8	knowledge	knowledge	NOUN
fsr-3205	56	9	and	and	CCONJ
fsr-3205	56	10	money	money	NOUN
fsr-3205	56	11	management	management	NOUN
fsr-3205	56	12	(	(	PUNCT
fsr-3205	56	13	hilgert	hilgert	PROPN
fsr-3205	56	14	,	,	PUNCT
fsr-3205	56	15	hogarth	hogarth	NOUN
fsr-3205	56	16	,	,	PUNCT
fsr-3205	56	17	&	&	CCONJ
fsr-3205	56	18	beverly	beverly	PROPN
fsr-3205	56	19	,	,	PUNCT
fsr-3205	56	20	2003	2003	NUM
fsr-3205	56	21	)	)	PUNCT
fsr-3205	56	22	,	,	PUNCT
fsr-3205	56	23	retirement	retirement	NOUN
fsr-3205	56	24	savings	saving	NOUN
fsr-3205	56	25	(	(	PUNCT
fsr-3205	56	26	bucher	bucher	NOUN
fsr-3205	56	27	-	-	PUNCT
fsr-3205	56	28	koenen	koenen	NOUN
fsr-3205	56	29	,	,	PUNCT
fsr-3205	56	30	2009	2009	NUM
fsr-3205	56	31	;	;	PUNCT
fsr-3205	56	32	lusardi	lusardi	PROPN
fsr-3205	56	33	,	,	PUNCT
fsr-3205	56	34	2004	2004	NUM
fsr-3205	56	35	;	;	PUNCT
fsr-3205	56	36	lusardi	lusardi	PROPN
fsr-3205	56	37	&	&	CCONJ
fsr-3205	56	38	mitchell	mitchell	PROPN
fsr-3205	56	39	,	,	PUNCT
fsr-3205	56	40	2009	2009	NUM
fsr-3205	56	41	)	)	PUNCT
fsr-3205	56	42	,	,	PUNCT
fsr-3205	56	43	stock	stock	NOUN
fsr-3205	56	44	market	market	NOUN
fsr-3205	56	45	participation	participation	NOUN
fsr-3205	56	46	(	(	PUNCT
fsr-3205	56	47	christelis	christelis	PROPN
fsr-3205	56	48	,	,	PUNCT
fsr-3205	56	49	jappelli	jappelli	PROPN
fsr-3205	56	50	,	,	PUNCT
fsr-3205	56	51	&	&	CCONJ
fsr-3205	56	52	padula	padula	NOUN
fsr-3205	56	53	,	,	PUNCT
fsr-3205	56	54	2010	2010	NUM
fsr-3205	56	55	;	;	PUNCT
fsr-3205	56	56	van	van	PROPN
fsr-3205	56	57	rooij	rooij	NOUN
fsr-3205	56	58	,	,	PUNCT
fsr-3205	56	59	lusardi	lusardi	PROPN
fsr-3205	56	60	,	,	PUNCT
fsr-3205	56	61	&	&	CCONJ
fsr-3205	56	62	alessie	alessie	PROPN
fsr-3205	56	63	,	,	PUNCT
fsr-3205	56	64	2011	2011	NUM
fsr-3205	56	65	;	;	PUNCT
fsr-3205	56	66	yoong	yoong	PROPN
fsr-3205	56	67	,	,	PUNCT
fsr-3205	56	68	2011	2011	NUM
fsr-3205	56	69	)	)	PUNCT
fsr-3205	56	70	,	,	PUNCT
fsr-3205	56	71	financial	financial	ADJ
fsr-3205	56	72	results	result	NOUN
fsr-3205	56	73	(	(	PUNCT
fsr-3205	56	74	banks	bank	NOUN
fsr-3205	56	75	,	,	PUNCT
fsr-3205	56	76	2010	2010	NUM
fsr-3205	56	77	;	;	PUNCT
fsr-3205	56	78	smith	smith	PROPN
fsr-3205	56	79	,	,	PUNCT
fsr-3205	56	80	mcardle	mcardle	PROPN
fsr-3205	56	81	,	,	PUNCT
fsr-3205	56	82	&	&	CCONJ
fsr-3205	56	83	willis	willis	PROPN
fsr-3205	56	84	,	,	PUNCT
fsr-3205	56	85	2010	2010	NUM
fsr-3205	56	86	)	)	PUNCT
fsr-3205	56	87	,	,	PUNCT
fsr-3205	56	88	and	and	CCONJ
fsr-3205	56	89	household	household	NOUN
fsr-3205	56	90	wealth	wealth	NOUN
fsr-3205	56	91	management	management	NOUN
fsr-3205	56	92	(	(	PUNCT
fsr-3205	56	93	bateman	bateman	NOUN
fsr-3205	56	94	et	et	PROPN
fsr-3205	56	95	al	al	PROPN
fsr-3205	56	96	.	.	PROPN
fsr-3205	56	97	,	,	PUNCT
fsr-3205	56	98	2011	2011	NUM
fsr-3205	56	99	;	;	PUNCT
fsr-3205	56	100	lusardi	lusardi	PROPN
fsr-3205	56	101	,	,	PUNCT
fsr-3205	56	102	&	&	CCONJ
fsr-3205	56	103	mitchell	mitchell	PROPN
fsr-3205	56	104	,	,	PUNCT
fsr-3205	56	105	2007	2007	NUM
fsr-3205	56	106	;	;	PUNCT
fsr-3205	56	107	van	van	PROPN
fsr-3205	56	108	rooij	rooij	NOUN
fsr-3205	56	109	,	,	PUNCT
fsr-3205	56	110	lusardi	lusardi	PROPN
fsr-3205	56	111	,	,	PUNCT
fsr-3205	56	112	&	&	CCONJ
fsr-3205	56	113	alessie	alessie	ADJ
fsr-3205	56	114	,	,	PUNCT
fsr-3205	56	115	2012	2012	NUM
fsr-3205	56	116	;	;	PUNCT
fsr-3205	56	117	and	and	CCONJ
fsr-3205	56	118	others	other	NOUN
fsr-3205	56	119	)	)	PUNCT
fsr-3205	56	120	.	.	PUNCT
fsr-3205	57	1	hence	hence	ADV
fsr-3205	57	2	,	,	PUNCT
fsr-3205	57	3	the	the	DET
fsr-3205	57	4	effect	effect	NOUN
fsr-3205	57	5	of	of	ADP
fsr-3205	57	6	economic	economic	ADJ
fsr-3205	57	7	and	and	CCONJ
fsr-3205	57	8	financial	financial	ADJ
fsr-3205	57	9	literacy	literacy	NOUN
fsr-3205	57	10	may	may	AUX
fsr-3205	57	11	reflect	reflect	VERB
fsr-3205	57	12	upon	upon	SCONJ
fsr-3205	57	13	wealth	wealth	NOUN
fsr-3205	57	14	.	.	PUNCT
fsr-3205	58	1	bateman	bateman	PROPN
fsr-3205	58	2	et	et	PROPN
fsr-3205	58	3	al	al	PROPN
fsr-3205	58	4	.	.	PROPN
fsr-3205	59	1	(	(	PUNCT
fsr-3205	59	2	2011	2011	NUM
fsr-3205	59	3	)	)	PUNCT
fsr-3205	59	4	found	find	VERB
fsr-3205	59	5	that	that	SCONJ
fsr-3205	59	6	financial	financial	ADJ
fsr-3205	59	7	literacy	literacy	NOUN
fsr-3205	59	8	score	score	NOUN
fsr-3205	59	9	increases	increase	NOUN
fsr-3205	59	10	with	with	ADP
fsr-3205	59	11	household	household	NOUN
fsr-3205	59	12	income	income	NOUN
fsr-3205	59	13	.	.	PUNCT
fsr-3205	60	1	van	van	PROPN
fsr-3205	60	2	rooij	rooij	PROPN
fsr-3205	60	3	,	,	PUNCT
fsr-3205	60	4	lusardi	lusardi	NOUN
fsr-3205	60	5	,	,	PUNCT
fsr-3205	60	6	and	and	CCONJ
fsr-3205	60	7	alessie	alessie	ADJ
fsr-3205	60	8	(	(	PUNCT
fsr-3205	60	9	2012	2012	NUM
fsr-3205	60	10	)	)	PUNCT
fsr-3205	60	11	show	show	VERB
fsr-3205	60	12	that	that	SCONJ
fsr-3205	60	13	financial	financial	ADJ
fsr-3205	60	14	literacy	literacy	NOUN
fsr-3205	60	15	is	be	AUX
fsr-3205	60	16	positively	positively	ADV
fsr-3205	60	17	correlated	correlate	VERB
fsr-3205	60	18	with	with	ADP
fsr-3205	60	19	household	household	NOUN
fsr-3205	60	20	wealth	wealth	NOUN
fsr-3205	60	21	accumulation	accumulation	NOUN
fsr-3205	60	22	because	because	SCONJ
fsr-3205	60	23	economic	economic	ADJ
fsr-3205	60	24	and	and	CCONJ
fsr-3205	60	25	financial	financial	ADJ
fsr-3205	60	26	comprehension	comprehension	NOUN
fsr-3205	60	27	enhances	enhance	VERB
fsr-3205	60	28	the	the	DET
fsr-3205	60	29	327c	327c	PROPN
fsr-3205	60	30	.	.	PUNCT
fsr-3205	61	1	varum	varum	PROPN
fsr-3205	61	2	,	,	PUNCT
fsr-3205	61	3	a.	a.	PROPN
fsr-3205	61	4	kolyban	kolyban	PROPN
fsr-3205	61	5	/	/	SYM
fsr-3205	61	6	financial	financial	ADJ
fsr-3205	61	7	services	service	NOUN
fsr-3205	61	8	review	review	VERB
fsr-3205	61	9	23	23	NUM
fsr-3205	61	10	(	(	PUNCT
fsr-3205	61	11	2014	2014	NUM
fsr-3205	61	12	)	)	PUNCT
fsr-3205	62	1	325–339	325–339	NUM
fsr-3205	62	2	ability	ability	NOUN
fsr-3205	62	3	to	to	PART
fsr-3205	62	4	form	form	VERB
fsr-3205	62	5	plans	plan	NOUN
fsr-3205	62	6	and	and	CCONJ
fsr-3205	62	7	make	make	VERB
fsr-3205	62	8	decisions	decision	NOUN
fsr-3205	62	9	and	and	CCONJ
fsr-3205	62	10	reduces	reduce	VERB
fsr-3205	62	11	the	the	DET
fsr-3205	62	12	cost	cost	NOUN
fsr-3205	62	13	of	of	ADP
fsr-3205	62	14	collecting	collect	VERB
fsr-3205	62	15	and	and	CCONJ
fsr-3205	62	16	treating	treat	VERB
fsr-3205	62	17	information	information	NOUN
fsr-3205	62	18	.	.	PUNCT
fsr-3205	63	1	in	in	ADP
fsr-3205	63	2	this	this	DET
fsr-3205	63	3	way	way	NOUN
fsr-3205	63	4	,	,	PUNCT
fsr-3205	63	5	analysis	analysis	NOUN
fsr-3205	63	6	of	of	ADP
fsr-3205	63	7	relationship	relationship	NOUN
fsr-3205	63	8	between	between	ADP
fsr-3205	63	9	financial	financial	ADJ
fsr-3205	63	10	literacy	literacy	NOUN
fsr-3205	63	11	and	and	CCONJ
fsr-3205	63	12	its	its	PRON
fsr-3205	63	13	effects	effect	NOUN
fsr-3205	63	14	on	on	ADP
fsr-3205	63	15	household	household	NOUN
fsr-3205	63	16	wealth	wealth	NOUN
fsr-3205	63	17	has	have	AUX
fsr-3205	63	18	become	become	VERB
fsr-3205	63	19	important	important	ADJ
fsr-3205	63	20	and	and	CCONJ
fsr-3205	63	21	relevant	relevant	ADJ
fsr-3205	63	22	in	in	ADP
fsr-3205	63	23	the	the	DET
fsr-3205	63	24	current	current	ADJ
fsr-3205	63	25	policy	policy	NOUN
fsr-3205	63	26	environment	environment	NOUN
fsr-3205	63	27	.	.	PUNCT
fsr-3205	64	1	based	base	VERB
fsr-3205	64	2	upon	upon	SCONJ
fsr-3205	64	3	the	the	DET
fsr-3205	64	4	above	above	ADV
fsr-3205	64	5	we	we	PRON
fsr-3205	64	6	expect	expect	VERB
fsr-3205	64	7	economic	economic	ADJ
fsr-3205	64	8	literacy	literacy	NOUN
fsr-3205	64	9	to	to	PART
fsr-3205	64	10	contribute	contribute	VERB
fsr-3205	64	11	to	to	ADP
fsr-3205	64	12	explanation	explanation	NOUN
fsr-3205	64	13	regarding	regard	VERB
fsr-3205	64	14	over	over	ADP
fsr-3205	64	15	-	-	PUNCT
fsr-3205	64	16	indebtedness	indebtedness	NOUN
fsr-3205	64	17	and	and	CCONJ
fsr-3205	64	18	wealth	wealth	NOUN
fsr-3205	64	19	.	.	PUNCT
fsr-3205	65	1	these	these	DET
fsr-3205	65	2	expectations	expectation	NOUN
fsr-3205	65	3	are	be	AUX
fsr-3205	65	4	tested	test	VERB
fsr-3205	65	5	in	in	ADP
fsr-3205	65	6	the	the	DET
fsr-3205	65	7	following	follow	VERB
fsr-3205	65	8	sections	section	NOUN
fsr-3205	65	9	.	.	PUNCT
fsr-3205	66	1	3	3	X
fsr-3205	66	2	.	.	X
fsr-3205	66	3	methodology	methodology	NOUN
fsr-3205	66	4	3.1	3.1	NUM
fsr-3205	66	5	.	.	PUNCT
fsr-3205	67	1	survey	survey	NOUN
fsr-3205	67	2	design	design	NOUN
fsr-3205	67	3	we	we	PRON
fsr-3205	67	4	implement	implement	VERB
fsr-3205	67	5	an	an	DET
fsr-3205	67	6	extensive	extensive	ADJ
fsr-3205	67	7	survey	survey	NOUN
fsr-3205	67	8	,	,	PUNCT
fsr-3205	67	9	fielded	field	VERB
fsr-3205	67	10	in	in	ADP
fsr-3205	67	11	april	april	PROPN
fsr-3205	67	12	2012	2012	NUM
fsr-3205	67	13	,	,	PUNCT
fsr-3205	67	14	collecting	collect	VERB
fsr-3205	67	15	information	information	NOUN
fsr-3205	67	16	on	on	ADP
fsr-3205	67	17	individuals	individual	NOUN
fsr-3205	67	18	’	'	PUNCT
fsr-3205	67	19	economic	economic	ADJ
fsr-3205	67	20	and	and	CCONJ
fsr-3205	67	21	financial	financial	ADJ
fsr-3205	67	22	knowledge	knowledge	NOUN
fsr-3205	67	23	and	and	CCONJ
fsr-3205	67	24	demographic	demographic	ADJ
fsr-3205	67	25	characteristics	characteristic	NOUN
fsr-3205	67	26	(	(	PUNCT
fsr-3205	67	27	e.g.	e.g.	ADV
fsr-3205	67	28	,	,	PUNCT
fsr-3205	67	29	age	age	NOUN
fsr-3205	67	30	,	,	PUNCT
fsr-3205	67	31	gender	gender	NOUN
fsr-3205	67	32	,	,	PUNCT
fsr-3205	67	33	nationality	nationality	NOUN
fsr-3205	67	34	,	,	PUNCT
fsr-3205	67	35	education	education	NOUN
fsr-3205	67	36	,	,	PUNCT
fsr-3205	67	37	and	and	CCONJ
fsr-3205	67	38	employment	employment	NOUN
fsr-3205	67	39	)	)	PUNCT
fsr-3205	67	40	.	.	PUNCT
fsr-3205	68	1	we	we	PRON
fsr-3205	68	2	also	also	ADV
fsr-3205	68	3	assess	assess	VERB
fsr-3205	68	4	attitudes	attitude	NOUN
fsr-3205	68	5	towards	towards	ADP
fsr-3205	68	6	economics	economic	NOUN
fsr-3205	68	7	as	as	ADV
fsr-3205	68	8	well	well	ADV
fsr-3205	68	9	as	as	ADP
fsr-3205	68	10	data	datum	NOUN
fsr-3205	68	11	on	on	ADP
fsr-3205	68	12	individuals	individual	NOUN
fsr-3205	68	13	’	'	PUNCT
fsr-3205	68	14	judgments	judgment	NOUN
fsr-3205	68	15	about	about	ADP
fsr-3205	68	16	their	their	PRON
fsr-3205	68	17	indebtedness	indebtedness	NOUN
fsr-3205	68	18	.	.	PUNCT
fsr-3205	69	1	in	in	ADP
fsr-3205	69	2	addition	addition	NOUN
fsr-3205	69	3	,	,	PUNCT
fsr-3205	69	4	the	the	DET
fsr-3205	69	5	survey	survey	NOUN
fsr-3205	69	6	collects	collect	VERB
fsr-3205	69	7	self	self	NOUN
fsr-3205	69	8	-	-	PUNCT
fsr-3205	69	9	reported	report	VERB
fsr-3205	69	10	information	information	NOUN
fsr-3205	69	11	on	on	ADP
fsr-3205	69	12	household	household	NOUN
fsr-3205	69	13	income	income	NOUN
fsr-3205	69	14	.	.	PUNCT
fsr-3205	70	1	according	accord	VERB
fsr-3205	70	2	to	to	ADP
fsr-3205	70	3	the	the	DET
fsr-3205	70	4	literature	literature	NOUN
fsr-3205	70	5	,	,	PUNCT
fsr-3205	70	6	financial	financial	ADJ
fsr-3205	70	7	literacy	literacy	NOUN
fsr-3205	70	8	is	be	AUX
fsr-3205	70	9	a	a	DET
fsr-3205	70	10	branch	branch	NOUN
fsr-3205	70	11	of	of	ADP
fsr-3205	70	12	economic	economic	ADJ
fsr-3205	70	13	literacy	literacy	NOUN
fsr-3205	70	14	;	;	PUNCT
fsr-3205	70	15	the	the	DET
fsr-3205	70	16	first	first	ADJ
fsr-3205	70	17	is	be	AUX
fsr-3205	70	18	essentially	essentially	ADV
fsr-3205	70	19	money	money	NOUN
fsr-3205	70	20	management	management	NOUN
fsr-3205	70	21	,	,	PUNCT
fsr-3205	70	22	and	and	CCONJ
fsr-3205	70	23	the	the	DET
fsr-3205	70	24	second	second	NOUN
fsr-3205	70	25	is	be	AUX
fsr-3205	70	26	the	the	DET
fsr-3205	70	27	ability	ability	NOUN
fsr-3205	70	28	to	to	PART
fsr-3205	70	29	accurately	accurately	ADV
fsr-3205	70	30	understand	understand	VERB
fsr-3205	70	31	and	and	CCONJ
fsr-3205	70	32	decide	decide	VERB
fsr-3205	70	33	about	about	ADP
fsr-3205	70	34	daily	daily	ADJ
fsr-3205	70	35	aspects	aspect	NOUN
fsr-3205	70	36	.	.	PUNCT
fsr-3205	71	1	our	our	PRON
fsr-3205	71	2	survey	survey	NOUN
fsr-3205	71	3	encompasses	encompass	VERB
fsr-3205	71	4	questions	question	NOUN
fsr-3205	71	5	regarding	regard	VERB
fsr-3205	71	6	economic	economic	ADJ
fsr-3205	71	7	and	and	CCONJ
fsr-3205	71	8	financial	financial	ADJ
fsr-3205	71	9	knowledge	knowledge	NOUN
fsr-3205	71	10	.	.	PUNCT
fsr-3205	72	1	there	there	PRON
fsr-3205	72	2	are	be	VERB
fsr-3205	72	3	national	national	ADJ
fsr-3205	72	4	surveys	survey	NOUN
fsr-3205	72	5	that	that	PRON
fsr-3205	72	6	measure	measure	VERB
fsr-3205	72	7	financial	financial	ADJ
fsr-3205	72	8	knowledge	knowledge	NOUN
fsr-3205	72	9	;	;	PUNCT
fsr-3205	72	10	nevertheless	nevertheless	ADV
fsr-3205	72	11	,	,	PUNCT
fsr-3205	72	12	few	few	ADJ
fsr-3205	72	13	specifically	specifically	ADV
fsr-3205	72	14	focus	focus	VERB
fsr-3205	72	15	on	on	ADP
fsr-3205	72	16	economics	economic	NOUN
fsr-3205	72	17	.	.	PUNCT
fsr-3205	73	1	the	the	DET
fsr-3205	73	2	assessment	assessment	NOUN
fsr-3205	73	3	of	of	ADP
fsr-3205	73	4	economic	economic	ADJ
fsr-3205	73	5	and	and	CCONJ
fsr-3205	73	6	financial	financial	ADJ
fsr-3205	73	7	knowledge	knowledge	NOUN
fsr-3205	73	8	comprises	comprise	VERB
fsr-3205	73	9	29	29	NUM
fsr-3205	73	10	multiple	multiple	ADJ
fsr-3205	73	11	-	-	PUNCT
fsr-3205	73	12	choice	choice	NOUN
fsr-3205	73	13	questions	question	NOUN
fsr-3205	73	14	,	,	PUNCT
fsr-3205	73	15	with	with	ADP
fsr-3205	73	16	22	22	NUM
fsr-3205	73	17	that	that	PRON
fsr-3205	73	18	measure	measure	VERB
fsr-3205	73	19	economic	economic	ADJ
fsr-3205	73	20	knowledge	knowledge	NOUN
fsr-3205	73	21	and	and	CCONJ
fsr-3205	73	22	seven	seven	NUM
fsr-3205	73	23	focuses	focus	NOUN
fsr-3205	73	24	upon	upon	SCONJ
fsr-3205	73	25	financial	financial	ADJ
fsr-3205	73	26	aspects	aspect	NOUN
fsr-3205	73	27	specifically	specifically	ADV
fsr-3205	73	28	.	.	PUNCT
fsr-3205	74	1	the	the	DET
fsr-3205	74	2	economic	economic	ADJ
fsr-3205	74	3	questions	question	NOUN
fsr-3205	74	4	comprise	comprise	VERB
fsr-3205	74	5	the	the	DET
fsr-3205	74	6	following	follow	VERB
fsr-3205	74	7	economic	economic	ADJ
fsr-3205	74	8	topics	topic	NOUN
fsr-3205	74	9	:	:	PUNCT
fsr-3205	74	10	consumer	consumer	NOUN
fsr-3205	74	11	economy	economy	NOUN
fsr-3205	74	12	,	,	PUNCT
fsr-3205	74	13	economy	economy	NOUN
fsr-3205	74	14	and	and	CCONJ
fsr-3205	74	15	production	production	NOUN
fsr-3205	74	16	,	,	PUNCT
fsr-3205	74	17	financial	financial	ADJ
fsr-3205	74	18	economy	economy	NOUN
fsr-3205	74	19	,	,	PUNCT
fsr-3205	74	20	and	and	CCONJ
fsr-3205	74	21	the	the	DET
fsr-3205	74	22	economic	economic	ADJ
fsr-3205	74	23	role	role	NOUN
fsr-3205	74	24	of	of	ADP
fsr-3205	74	25	government	government	NOUN
fsr-3205	74	26	and	and	CCONJ
fsr-3205	74	27	international	international	ADJ
fsr-3205	74	28	economy	economy	NOUN
fsr-3205	74	29	.	.	PUNCT
fsr-3205	75	1	the	the	DET
fsr-3205	75	2	financial	financial	ADJ
fsr-3205	75	3	questions	question	NOUN
fsr-3205	75	4	cover	cover	VERB
fsr-3205	75	5	the	the	DET
fsr-3205	75	6	concepts	concept	NOUN
fsr-3205	75	7	of	of	ADP
fsr-3205	75	8	:	:	PUNCT
fsr-3205	75	9	euribor	euribor	PROPN
fsr-3205	75	10	and	and	CCONJ
fsr-3205	75	11	spread	spread	VERB
fsr-3205	75	12	,	,	PUNCT
fsr-3205	75	13	the	the	DET
fsr-3205	75	14	degree	degree	NOUN
fsr-3205	75	15	of	of	ADP
fsr-3205	75	16	risk	risk	NOUN
fsr-3205	75	17	of	of	ADP
fsr-3205	75	18	a	a	DET
fsr-3205	75	19	term	term	NOUN
fsr-3205	75	20	deposit	deposit	NOUN
fsr-3205	75	21	,	,	PUNCT
fsr-3205	75	22	relationship	relationship	NOUN
fsr-3205	75	23	between	between	ADP
fsr-3205	75	24	inflation	inflation	NOUN
fsr-3205	75	25	and	and	CCONJ
fsr-3205	75	26	interest	interest	NOUN
fsr-3205	75	27	rate	rate	NOUN
fsr-3205	75	28	,	,	PUNCT
fsr-3205	75	29	ability	ability	NOUN
fsr-3205	75	30	to	to	PART
fsr-3205	75	31	pay	pay	VERB
fsr-3205	75	32	a	a	DET
fsr-3205	75	33	loan	loan	NOUN
fsr-3205	75	34	,	,	PUNCT
fsr-3205	75	35	identification	identification	NOUN
fsr-3205	75	36	of	of	ADP
fsr-3205	75	37	the	the	DET
fsr-3205	75	38	balance	balance	NOUN
fsr-3205	75	39	of	of	ADP
fsr-3205	75	40	demand	demand	NOUN
fsr-3205	75	41	deposit	deposit	NOUN
fsr-3205	75	42	,	,	PUNCT
fsr-3205	75	43	and	and	CCONJ
fsr-3205	75	44	identification	identification	NOUN
fsr-3205	75	45	of	of	ADP
fsr-3205	75	46	changes	change	NOUN
fsr-3205	75	47	in	in	ADP
fsr-3205	75	48	the	the	DET
fsr-3205	75	49	balance	balance	NOUN
fsr-3205	75	50	of	of	ADP
fsr-3205	75	51	the	the	DET
fsr-3205	75	52	demand	demand	NOUN
fsr-3205	75	53	deposit	deposit	NOUN
fsr-3205	75	54	.	.	PUNCT
fsr-3205	76	1	we	we	PRON
fsr-3205	76	2	follow	follow	VERB
fsr-3205	76	3	an	an	DET
fsr-3205	76	4	adapted	adapted	ADJ
fsr-3205	76	5	version	version	NOUN
fsr-3205	76	6	of	of	ADP
fsr-3205	76	7	the	the	DET
fsr-3205	76	8	economic	economic	ADJ
fsr-3205	76	9	literacy	literacy	NOUN
fsr-3205	76	10	test	test	NOUN
fsr-3205	76	11	developed	develop	VERB
fsr-3205	76	12	by	by	ADP
fsr-3205	76	13	the	the	DET
fsr-3205	76	14	national	national	PROPN
fsr-3205	76	15	council	council	PROPN
fsr-3205	76	16	on	on	ADP
fsr-3205	76	17	economic	economic	ADJ
fsr-3205	76	18	education	education	NOUN
fsr-3205	76	19	(	(	PUNCT
fsr-3205	76	20	ncee	ncee	NOUN
fsr-3205	76	21	)	)	PUNCT
fsr-3205	76	22	to	to	PART
fsr-3205	76	23	evaluate	evaluate	VERB
fsr-3205	76	24	economic	economic	ADJ
fsr-3205	76	25	literacy	literacy	NOUN
fsr-3205	76	26	.	.	PUNCT
fsr-3205	77	1	for	for	ADP
fsr-3205	77	2	the	the	DET
fsr-3205	77	3	question	question	NOUN
fsr-3205	77	4	on	on	ADP
fsr-3205	77	5	financial	financial	ADJ
fsr-3205	77	6	literacy	literacy	NOUN
fsr-3205	77	7	section	section	NOUN
fsr-3205	77	8	we	we	PRON
fsr-3205	77	9	use	use	VERB
fsr-3205	77	10	the	the	DET
fsr-3205	77	11	questions	question	NOUN
fsr-3205	77	12	applied	apply	VERB
fsr-3205	77	13	in	in	ADP
fsr-3205	77	14	a	a	DET
fsr-3205	77	15	survey	survey	NOUN
fsr-3205	77	16	conducted	conduct	VERB
fsr-3205	77	17	by	by	ADP
fsr-3205	77	18	the	the	DET
fsr-3205	77	19	bank	bank	NOUN
fsr-3205	77	20	of	of	ADP
fsr-3205	77	21	portugal	portugal	PROPN
fsr-3205	77	22	.	.	PROPN
fsr-3205	78	1	3.2	3.2	NUM
fsr-3205	78	2	.	.	PUNCT
fsr-3205	79	1	the	the	DET
fsr-3205	79	2	sample	sample	NOUN
fsr-3205	79	3	the	the	DET
fsr-3205	79	4	study	study	NOUN
fsr-3205	79	5	was	be	AUX
fsr-3205	79	6	applied	apply	VERB
fsr-3205	79	7	to	to	ADP
fsr-3205	79	8	a	a	DET
fsr-3205	79	9	sample	sample	NOUN
fsr-3205	79	10	of	of	ADP
fsr-3205	79	11	portuguese	portuguese	ADJ
fsr-3205	79	12	adults	adult	NOUN
fsr-3205	79	13	with	with	ADP
fsr-3205	79	14	children	child	NOUN
fsr-3205	79	15	at	at	ADP
fsr-3205	79	16	their	their	PRON
fsr-3205	79	17	charge	charge	NOUN
fsr-3205	79	18	,	,	PUNCT
fsr-3205	79	19	regarding	regard	VERB
fsr-3205	79	20	their	their	PRON
fsr-3205	79	21	economic	economic	ADJ
fsr-3205	79	22	knowledge	knowledge	NOUN
fsr-3205	79	23	and	and	CCONJ
fsr-3205	79	24	their	their	PRON
fsr-3205	79	25	judgments	judgment	NOUN
fsr-3205	79	26	about	about	ADP
fsr-3205	79	27	the	the	DET
fsr-3205	79	28	extent	extent	NOUN
fsr-3205	79	29	of	of	ADP
fsr-3205	79	30	their	their	PRON
fsr-3205	79	31	indebtedness	indebtedness	NOUN
fsr-3205	79	32	.	.	PUNCT
fsr-3205	80	1	the	the	DET
fsr-3205	80	2	questionnaires	questionnaire	NOUN
fsr-3205	80	3	were	be	AUX
fsr-3205	80	4	collected	collect	VERB
fsr-3205	80	5	among	among	ADP
fsr-3205	80	6	the	the	DET
fsr-3205	80	7	parents	parent	NOUN
fsr-3205	80	8	of	of	ADP
fsr-3205	80	9	children	child	NOUN
fsr-3205	80	10	attending	attend	VERB
fsr-3205	80	11	five	five	NUM
fsr-3205	80	12	different	different	ADJ
fsr-3205	80	13	primary	primary	ADJ
fsr-3205	80	14	schools	school	NOUN
fsr-3205	80	15	in	in	ADP
fsr-3205	80	16	portugal	portugal	PROPN
fsr-3205	80	17	.	.	PUNCT
fsr-3205	81	1	in	in	ADP
fsr-3205	81	2	total	total	ADJ
fsr-3205	81	3	,	,	PUNCT
fsr-3205	81	4	618	618	NUM
fsr-3205	81	5	questionnaires	questionnaire	NOUN
fsr-3205	81	6	,	,	PUNCT
fsr-3205	81	7	out	out	ADP
fsr-3205	81	8	of	of	ADP
fsr-3205	81	9	the	the	DET
fsr-3205	81	10	1,061	1,061	NUM
fsr-3205	81	11	questionnaires	questionnaire	NOUN
fsr-3205	81	12	distributed	distribute	VERB
fsr-3205	81	13	,	,	PUNCT
fsr-3205	81	14	were	be	AUX
fsr-3205	81	15	returned	return	VERB
fsr-3205	81	16	,	,	PUNCT
fsr-3205	81	17	which	which	PRON
fsr-3205	81	18	means	mean	VERB
fsr-3205	81	19	a	a	DET
fsr-3205	81	20	response	response	NOUN
fsr-3205	81	21	rate	rate	NOUN
fsr-3205	81	22	of	of	ADP
fsr-3205	81	23	58	58	NUM
fsr-3205	81	24	%	%	NOUN
fsr-3205	81	25	.	.	PUNCT
fsr-3205	82	1	table	table	NOUN
fsr-3205	82	2	1	1	NUM
fsr-3205	82	3	reports	report	NOUN
fsr-3205	82	4	frequencies	frequency	NOUN
fsr-3205	82	5	(	(	PUNCT
fsr-3205	82	6	percent	percent	NOUN
fsr-3205	82	7	)	)	PUNCT
fsr-3205	82	8	of	of	ADP
fsr-3205	82	9	demographic	demographic	ADJ
fsr-3205	82	10	and	and	CCONJ
fsr-3205	82	11	socioeconomic	socioeconomic	ADJ
fsr-3205	82	12	variables	variable	NOUN
fsr-3205	82	13	.	.	PUNCT
fsr-3205	83	1	most	most	ADJ
fsr-3205	83	2	respondents	respondent	NOUN
fsr-3205	83	3	in	in	ADP
fsr-3205	83	4	our	our	PRON
fsr-3205	83	5	sample	sample	NOUN
fsr-3205	83	6	are	be	AUX
fsr-3205	83	7	women	woman	NOUN
fsr-3205	83	8	(	(	PUNCT
fsr-3205	83	9	70.9	70.9	NUM
fsr-3205	83	10	%	%	NOUN
fsr-3205	83	11	)	)	PUNCT
fsr-3205	83	12	and	and	CCONJ
fsr-3205	83	13	have	have	VERB
fsr-3205	83	14	portuguese	portuguese	ADJ
fsr-3205	83	15	nationality	nationality	NOUN
fsr-3205	83	16	(	(	PUNCT
fsr-3205	83	17	93.2	93.2	NUM
fsr-3205	83	18	%	%	NOUN
fsr-3205	83	19	)	)	PUNCT
fsr-3205	83	20	.	.	PUNCT
fsr-3205	84	1	the	the	DET
fsr-3205	84	2	majority	majority	NOUN
fsr-3205	84	3	of	of	ADP
fsr-3205	84	4	participants	participant	NOUN
fsr-3205	84	5	(	(	PUNCT
fsr-3205	84	6	68	68	NUM
fsr-3205	84	7	%	%	NOUN
fsr-3205	84	8	)	)	PUNCT
fsr-3205	84	9	have	have	VERB
fsr-3205	84	10	between	between	ADP
fsr-3205	84	11	36	36	NUM
fsr-3205	84	12	and	and	CCONJ
fsr-3205	84	13	45	45	NUM
fsr-3205	84	14	years	year	NOUN
fsr-3205	84	15	.	.	PUNCT
fsr-3205	85	1	about	about	ADV
fsr-3205	85	2	26	26	NUM
fsr-3205	85	3	%	%	NOUN
fsr-3205	85	4	of	of	ADP
fsr-3205	85	5	respondents	respondent	NOUN
fsr-3205	85	6	reported	report	VERB
fsr-3205	85	7	at	at	ADP
fsr-3205	85	8	least	least	ADJ
fsr-3205	85	9	328	328	NUM
fsr-3205	85	10	c.	c.	NOUN
fsr-3205	85	11	varum	varum	NOUN
fsr-3205	85	12	,	,	PUNCT
fsr-3205	85	13	a.	a.	PROPN
fsr-3205	85	14	kolyban	kolyban	PROPN
fsr-3205	85	15	/	/	SYM
fsr-3205	85	16	financial	financial	ADJ
fsr-3205	85	17	services	service	NOUN
fsr-3205	85	18	review	review	VERB
fsr-3205	85	19	23	23	NUM
fsr-3205	85	20	(	(	PUNCT
fsr-3205	85	21	2014	2014	NUM
fsr-3205	85	22	)	)	PUNCT
fsr-3205	85	23	325–339	325–339	NUM
fsr-3205	85	24	some	some	DET
fsr-3205	85	25	kind	kind	NOUN
fsr-3205	85	26	of	of	ADP
fsr-3205	85	27	economic	economic	ADJ
fsr-3205	85	28	or	or	CCONJ
fsr-3205	85	29	financial	financial	ADJ
fsr-3205	85	30	education	education	NOUN
fsr-3205	85	31	and	and	CCONJ
fsr-3205	85	32	58.6	58.6	NUM
fsr-3205	85	33	%	%	NOUN
fsr-3205	85	34	of	of	ADP
fsr-3205	85	35	them	they	PRON
fsr-3205	85	36	have	have	VERB
fsr-3205	85	37	higher	high	ADJ
fsr-3205	85	38	education	education	NOUN
fsr-3205	85	39	.	.	PUNCT
fsr-3205	86	1	about	about	ADV
fsr-3205	86	2	66	66	NUM
fsr-3205	86	3	%	%	NOUN
fsr-3205	86	4	of	of	ADP
fsr-3205	86	5	survey	survey	NOUN
fsr-3205	86	6	respondents	respondent	NOUN
fsr-3205	86	7	replied	reply	VERB
fsr-3205	86	8	they	they	PRON
fsr-3205	86	9	were	be	AUX
fsr-3205	86	10	able	able	ADJ
fsr-3205	86	11	to	to	PART
fsr-3205	86	12	meet	meet	VERB
fsr-3205	86	13	their	their	PRON
fsr-3205	86	14	credit	credit	NOUN
fsr-3205	86	15	commitments	commitment	NOUN
fsr-3205	86	16	3.3	3.3	NUM
fsr-3205	86	17	.	.	PUNCT
fsr-3205	87	1	model	model	NOUN
fsr-3205	87	2	to	to	PART
fsr-3205	87	3	explore	explore	VERB
fsr-3205	87	4	the	the	DET
fsr-3205	87	5	influence	influence	NOUN
fsr-3205	87	6	of	of	ADP
fsr-3205	87	7	economic	economic	ADJ
fsr-3205	87	8	literacy	literacy	NOUN
fsr-3205	87	9	upon	upon	SCONJ
fsr-3205	87	10	the	the	DET
fsr-3205	87	11	ability	ability	NOUN
fsr-3205	87	12	to	to	PART
fsr-3205	87	13	pay	pay	VERB
fsr-3205	87	14	individual	individual	NOUN
fsr-3205	87	15	’s	’s	PART
fsr-3205	87	16	debts	debt	NOUN
fsr-3205	87	17	we	we	PRON
fsr-3205	87	18	use	use	VERB
fsr-3205	87	19	a	a	DET
fsr-3205	87	20	probit	probit	NOUN
fsr-3205	87	21	model	model	NOUN
fsr-3205	87	22	.	.	PUNCT
fsr-3205	88	1	the	the	DET
fsr-3205	88	2	dependent	dependent	ADJ
fsr-3205	88	3	variable	variable	NOUN
fsr-3205	88	4	is	be	AUX
fsr-3205	88	5	binary	binary	ADJ
fsr-3205	88	6	,	,	PUNCT
fsr-3205	88	7	equaling	equal	VERB
fsr-3205	88	8	1	1	NUM
fsr-3205	88	9	if	if	SCONJ
fsr-3205	88	10	the	the	DET
fsr-3205	88	11	individual	individual	NOUN
fsr-3205	88	12	is	be	AUX
fsr-3205	88	13	able	able	ADJ
fsr-3205	88	14	to	to	PART
fsr-3205	88	15	fulfill	fulfill	VERB
fsr-3205	88	16	all	all	DET
fsr-3205	88	17	his	his	PRON
fsr-3205	88	18	debts	debt	NOUN
fsr-3205	88	19	,	,	PUNCT
fsr-3205	88	20	and	and	CCONJ
fsr-3205	88	21	0	0	NUM
fsr-3205	88	22	if	if	SCONJ
fsr-3205	88	23	he	he	PRON
fsr-3205	88	24	reports	report	VERB
fsr-3205	88	25	difficulties	difficulty	NOUN
fsr-3205	88	26	in	in	ADP
fsr-3205	88	27	meeting	meet	VERB
fsr-3205	88	28	his	his	PRON
fsr-3205	88	29	debts	debt	NOUN
fsr-3205	88	30	.	.	PUNCT
fsr-3205	89	1	table	table	NOUN
fsr-3205	89	2	1	1	NUM
fsr-3205	89	3	sample	sample	NOUN
fsr-3205	89	4	:	:	PUNCT
fsr-3205	89	5	demographic	demographic	ADJ
fsr-3205	89	6	and	and	CCONJ
fsr-3205	89	7	socioeconomic	socioeconomic	ADJ
fsr-3205	89	8	characteristics	characteristic	NOUN
fsr-3205	89	9	demographic	demographic	ADJ
fsr-3205	89	10	and	and	CCONJ
fsr-3205	89	11	socioeconomic	socioeconomic	ADJ
fsr-3205	89	12	variables	variable	NOUN
fsr-3205	89	13	%	%	INTJ
fsr-3205	89	14	gender	gender	NOUN
fsr-3205	89	15	female	female	NOUN
fsr-3205	89	16	70.9	70.9	NUM
fsr-3205	89	17	male	male	NOUN
fsr-3205	89	18	28.4	28.4	NUM
fsr-3205	89	19	no	no	DET
fsr-3205	89	20	answer	answer	NOUN
fsr-3205	89	21	0.7	0.7	NUM
fsr-3205	89	22	nationality	nationality	NOUN
fsr-3205	89	23	portuguese	portuguese	PROPN
fsr-3205	89	24	93.2	93.2	NUM
fsr-3205	89	25	other	other	ADJ
fsr-3205	89	26	6.6	6.6	NUM
fsr-3205	89	27	no	no	DET
fsr-3205	89	28	answer	answer	NOUN
fsr-3205	89	29	0.2	0.2	NUM
fsr-3205	89	30	age	age	NOUN
fsr-3205	89	31	26–35	26–35	NUM
fsr-3205	89	32	14.9	14.9	NUM
fsr-3205	89	33	36–45	36–45	NUM
fsr-3205	89	34	67.7	67.7	NUM
fsr-3205	89	35	46–55	46–55	NUM
fsr-3205	89	36	15.5	15.5	NUM
fsr-3205	89	37	56–67	56–67	NUM
fsr-3205	89	38	1.5	1.5	NUM
fsr-3205	89	39	no	no	DET
fsr-3205	89	40	answer	answer	NOUN
fsr-3205	89	41	0.4	0.4	NUM
fsr-3205	89	42	education	education	NOUN
fsr-3205	89	43	level	level	NOUN
fsr-3205	89	44	from	from	ADP
fsr-3205	89	45	0	0	NUM
fsr-3205	89	46	to	to	ADP
fsr-3205	89	47	9th	9th	ADJ
fsr-3205	89	48	grade	grade	NOUN
fsr-3205	89	49	15.8	15.8	NUM
fsr-3205	89	50	12th	12th	NOUN
fsr-3205	89	51	grade	grade	NOUN
fsr-3205	89	52	24.4	24.4	NUM
fsr-3205	89	53	higher	high	ADJ
fsr-3205	89	54	education	education	NOUN
fsr-3205	89	55	58.6	58.6	NUM
fsr-3205	89	56	no	no	DET
fsr-3205	89	57	answer	answer	NOUN
fsr-3205	89	58	1.2	1.2	NUM
fsr-3205	89	59	attended	attend	VERB
fsr-3205	89	60	some	some	DET
fsr-3205	89	61	kind	kind	NOUN
fsr-3205	89	62	of	of	ADP
fsr-3205	89	63	training	training	NOUN
fsr-3205	89	64	in	in	ADP
fsr-3205	89	65	economics	economic	NOUN
fsr-3205	89	66	or	or	CCONJ
fsr-3205	89	67	finance	finance	NOUN
fsr-3205	90	1	yes	yes	INTJ
fsr-3205	90	2	26.3	26.3	NUM
fsr-3205	90	3	no	no	DET
fsr-3205	90	4	62.4	62.4	NUM
fsr-3205	90	5	no	no	DET
fsr-3205	90	6	answer	answer	NOUN
fsr-3205	90	7	11.3	11.3	NUM
fsr-3205	90	8	national	national	ADJ
fsr-3205	90	9	qualification	qualification	NOUN
fsr-3205	90	10	levels	level	NOUN
fsr-3205	90	11	1st	1st	PROPN
fsr-3205	90	12	group	group	NOUN
fsr-3205	90	13	:	:	PUNCT
fsr-3205	90	14	legislators	legislator	NOUN
fsr-3205	90	15	,	,	PUNCT
fsr-3205	90	16	senior	senior	ADJ
fsr-3205	90	17	officials	official	NOUN
fsr-3205	90	18	,	,	PUNCT
fsr-3205	90	19	and	and	CCONJ
fsr-3205	90	20	managers	manager	VERB
fsr-3205	90	21	4.4	4.4	NUM
fsr-3205	90	22	2nd	2nd	PROPN
fsr-3205	90	23	group	group	NOUN
fsr-3205	90	24	:	:	PUNCT
fsr-3205	90	25	professionals	professional	NOUN
fsr-3205	90	26	,	,	PUNCT
fsr-3205	90	27	including	include	VERB
fsr-3205	90	28	teaching	teach	VERB
fsr-3205	90	29	professionals	professional	NOUN
fsr-3205	90	30	37.8	37.8	NUM
fsr-3205	90	31	3rd	3rd	ADJ
fsr-3205	90	32	group	group	NOUN
fsr-3205	90	33	:	:	PUNCT
fsr-3205	90	34	technicians	technician	NOUN
fsr-3205	90	35	and	and	CCONJ
fsr-3205	90	36	associate	associate	ADJ
fsr-3205	90	37	professionals	professional	NOUN
fsr-3205	90	38	11.8	11.8	NUM
fsr-3205	90	39	4th	4th	ADJ
fsr-3205	90	40	group	group	NOUN
fsr-3205	90	41	:	:	PUNCT
fsr-3205	90	42	administrative	administrative	ADJ
fsr-3205	90	43	staff	staff	NOUN
fsr-3205	90	44	12.1	12.1	NUM
fsr-3205	90	45	5th	5th	ADJ
fsr-3205	90	46	group	group	NOUN
fsr-3205	90	47	:	:	PUNCT
fsr-3205	90	48	service	service	NOUN
fsr-3205	90	49	workers	worker	NOUN
fsr-3205	90	50	and	and	CCONJ
fsr-3205	90	51	shop	shop	NOUN
fsr-3205	90	52	and	and	CCONJ
fsr-3205	90	53	market	market	NOUN
fsr-3205	90	54	sales	sale	NOUN
fsr-3205	90	55	workers	worker	NOUN
fsr-3205	90	56	10.2	10.2	NUM
fsr-3205	90	57	6th	6th	ADJ
fsr-3205	90	58	group	group	NOUN
fsr-3205	90	59	:	:	PUNCT
fsr-3205	90	60	skilled	skilled	ADJ
fsr-3205	90	61	agricultural	agricultural	ADJ
fsr-3205	90	62	workers	worker	NOUN
fsr-3205	90	63	and	and	CCONJ
fsr-3205	90	64	fishery	fishery	NOUN
fsr-3205	90	65	workers	worker	NOUN
fsr-3205	90	66	0.5	0.5	NUM
fsr-3205	90	67	7th	7th	ADJ
fsr-3205	90	68	group	group	NOUN
fsr-3205	90	69	:	:	PUNCT
fsr-3205	90	70	craft	craft	NOUN
fsr-3205	90	71	and	and	CCONJ
fsr-3205	90	72	related	relate	VERB
fsr-3205	90	73	trade	trade	NOUN
fsr-3205	90	74	workers	worker	NOUN
fsr-3205	90	75	3.2	3.2	NUM
fsr-3205	90	76	8th	8th	NOUN
fsr-3205	90	77	group	group	NOUN
fsr-3205	90	78	:	:	PUNCT
fsr-3205	90	79	plant	plant	NOUN
fsr-3205	90	80	and	and	CCONJ
fsr-3205	90	81	machinery	machinery	NOUN
fsr-3205	90	82	operators	operator	NOUN
fsr-3205	90	83	and	and	CCONJ
fsr-3205	90	84	assemblers	assembler	NOUN
fsr-3205	90	85	0.2	0.2	NUM
fsr-3205	90	86	9th	9th	ADJ
fsr-3205	90	87	group	group	NOUN
fsr-3205	90	88	:	:	PUNCT
fsr-3205	90	89	elementary	elementary	ADJ
fsr-3205	90	90	occupations	occupation	NOUN
fsr-3205	90	91	4.5	4.5	NUM
fsr-3205	90	92	no	no	DET
fsr-3205	90	93	answer	answer	NOUN
fsr-3205	90	94	15.3	15.3	NUM
fsr-3205	90	95	income	income	NOUN
fsr-3205	90	96	�	�	NOUN
fsr-3205	90	97	1,000	1,000	NUM
fsr-3205	90	98	€	€	NUM
fsr-3205	90	99	19.4	19.4	NUM
fsr-3205	90	100	1,001€–2,000	1,001€–2,000	NUM
fsr-3205	90	101	€	€	SYM
fsr-3205	90	102	30.5	30.5	NUM
fsr-3205	90	103	2,001€–6,000	2,001€–6,000	NUM
fsr-3205	90	104	€	€	SYM
fsr-3205	90	105	37.3	37.3	NUM
fsr-3205	90	106	6,001€–10,000	6,001€–10,000	NUM
fsr-3205	90	107	€	€	SYM
fsr-3205	90	108	0.8	0.8	NUM
fsr-3205	90	109	�	�	NUM
fsr-3205	90	110	10,001	10,001	NUM
fsr-3205	90	111	€	€	SYM
fsr-3205	90	112	0.3	0.3	NUM
fsr-3205	90	113	no	no	DET
fsr-3205	90	114	answer	answer	NOUN
fsr-3205	90	115	11.6	11.6	NUM
fsr-3205	90	116	can	can	AUX
fsr-3205	90	117	you	you	PRON
fsr-3205	90	118	assess	assess	VERB
fsr-3205	90	119	your	your	PRON
fsr-3205	90	120	capacity	capacity	NOUN
fsr-3205	90	121	to	to	PART
fsr-3205	90	122	pay	pay	VERB
fsr-3205	90	123	the	the	DET
fsr-3205	90	124	debt	debt	NOUN
fsr-3205	90	125	?	?	PUNCT
fsr-3205	91	1	i	i	PRON
fsr-3205	91	2	can	can	AUX
fsr-3205	91	3	meet	meet	VERB
fsr-3205	91	4	my	my	PRON
fsr-3205	91	5	commitments	commitment	NOUN
fsr-3205	91	6	66.1	66.1	NUM
fsr-3205	91	7	i	i	PRON
fsr-3205	91	8	can	can	AUX
fsr-3205	91	9	not	not	PART
fsr-3205	91	10	meet	meet	VERB
fsr-3205	91	11	my	my	PRON
fsr-3205	91	12	commitments	commitment	NOUN
fsr-3205	91	13	20.2	20.2	NUM
fsr-3205	92	1	i	i	PRON
fsr-3205	92	2	do	do	AUX
fsr-3205	92	3	n’t	not	PART
fsr-3205	92	4	have	have	VERB
fsr-3205	92	5	credits	credit	NOUN
fsr-3205	92	6	12.0	12.0	NUM
fsr-3205	92	7	no	no	DET
fsr-3205	92	8	answer	answer	NOUN
fsr-3205	92	9	1.8	1.8	NUM
fsr-3205	92	10	329c	329c	NUM
fsr-3205	92	11	.	.	PUNCT
fsr-3205	93	1	varum	varum	PROPN
fsr-3205	93	2	,	,	PUNCT
fsr-3205	93	3	a.	a.	PROPN
fsr-3205	93	4	kolyban	kolyban	PROPN
fsr-3205	93	5	/	/	SYM
fsr-3205	93	6	financial	financial	ADJ
fsr-3205	93	7	services	service	NOUN
fsr-3205	93	8	review	review	VERB
fsr-3205	93	9	23	23	NUM
fsr-3205	93	10	(	(	PUNCT
fsr-3205	93	11	2014	2014	NUM
fsr-3205	93	12	)	)	PUNCT
fsr-3205	94	1	325–339	325–339	NUM
fsr-3205	94	2	the	the	DET
fsr-3205	94	3	main	main	ADJ
fsr-3205	94	4	explanatory	explanatory	ADJ
fsr-3205	94	5	variables	variable	NOUN
fsr-3205	94	6	in	in	ADP
fsr-3205	94	7	the	the	DET
fsr-3205	94	8	model	model	NOUN
fsr-3205	94	9	are	be	AUX
fsr-3205	94	10	the	the	DET
fsr-3205	94	11	level	level	NOUN
fsr-3205	94	12	of	of	ADP
fsr-3205	94	13	economic	economic	ADJ
fsr-3205	94	14	-	-	PUNCT
fsr-3205	94	15	financial	financial	ADJ
fsr-3205	94	16	literacy	literacy	NOUN
fsr-3205	94	17	,	,	PUNCT
fsr-3205	94	18	economic	economic	ADJ
fsr-3205	94	19	literacy	literacy	NOUN
fsr-3205	94	20	,	,	PUNCT
fsr-3205	94	21	and	and	CCONJ
fsr-3205	94	22	financial	financial	ADJ
fsr-3205	94	23	literacy	literacy	NOUN
fsr-3205	94	24	measured	measure	VERB
fsr-3205	94	25	by	by	ADP
fsr-3205	94	26	the	the	DET
fsr-3205	94	27	score	score	NOUN
fsr-3205	94	28	in	in	ADP
fsr-3205	94	29	the	the	DET
fsr-3205	94	30	questionnaire	questionnaire	NOUN
fsr-3205	94	31	(	(	PUNCT
fsr-3205	94	32	percentage	percentage	NOUN
fsr-3205	94	33	of	of	ADP
fsr-3205	94	34	correct	correct	ADJ
fsr-3205	94	35	answers	answer	NOUN
fsr-3205	94	36	)	)	PUNCT
fsr-3205	94	37	.	.	PUNCT
fsr-3205	95	1	additionally	additionally	ADV
fsr-3205	95	2	,	,	PUNCT
fsr-3205	95	3	we	we	PRON
fsr-3205	95	4	have	have	AUX
fsr-3205	95	5	considered	consider	VERB
fsr-3205	95	6	variables	variable	NOUN
fsr-3205	95	7	likely	likely	ADJ
fsr-3205	95	8	to	to	PART
fsr-3205	95	9	affect	affect	VERB
fsr-3205	95	10	the	the	DET
fsr-3205	95	11	probability	probability	NOUN
fsr-3205	95	12	of	of	ADP
fsr-3205	95	13	over	over	ADP
fsr-3205	95	14	-	-	PUNCT
fsr-3205	95	15	indebtedness	indebtedness	NOUN
fsr-3205	95	16	.	.	PUNCT
fsr-3205	96	1	concerning	concern	VERB
fsr-3205	96	2	demographic	demographic	ADJ
fsr-3205	96	3	variables	variable	NOUN
fsr-3205	96	4	we	we	PRON
fsr-3205	96	5	have	have	VERB
fsr-3205	96	6	:	:	PUNCT
fsr-3205	96	7	gender	gender	NOUN
fsr-3205	96	8	(	(	PUNCT
fsr-3205	96	9	dummy	dummy	NOUN
fsr-3205	96	10	:	:	PUNCT
fsr-3205	96	11	1	1	NUM
fsr-3205	96	12	for	for	ADP
fsr-3205	96	13	male	male	NOUN
fsr-3205	96	14	and	and	CCONJ
fsr-3205	96	15	0	0	NUM
fsr-3205	96	16	for	for	ADP
fsr-3205	96	17	female	female	NOUN
fsr-3205	96	18	)	)	PUNCT
fsr-3205	96	19	,	,	PUNCT
fsr-3205	96	20	age	age	NOUN
fsr-3205	96	21	and	and	CCONJ
fsr-3205	96	22	nationality	nationality	NOUN
fsr-3205	96	23	(	(	PUNCT
fsr-3205	96	24	1	1	NUM
fsr-3205	96	25	for	for	ADP
fsr-3205	96	26	portuguese	portuguese	ADJ
fsr-3205	96	27	,	,	PUNCT
fsr-3205	96	28	and	and	CCONJ
fsr-3205	96	29	0	0	NUM
fsr-3205	96	30	otherwise	otherwise	ADV
fsr-3205	96	31	)	)	PUNCT
fsr-3205	96	32	.	.	PUNCT
fsr-3205	97	1	income	income	NOUN
fsr-3205	97	2	was	be	AUX
fsr-3205	97	3	measured	measure	VERB
fsr-3205	97	4	regarding	regard	VERB
fsr-3205	97	5	a	a	DET
fsr-3205	97	6	likert	likert	ADJ
fsr-3205	97	7	scale	scale	NOUN
fsr-3205	97	8	from	from	ADP
fsr-3205	97	9	1	1	NUM
fsr-3205	97	10	to	to	PART
fsr-3205	97	11	5	5	NUM
fsr-3205	97	12	.	.	PUNCT
fsr-3205	98	1	education	education	NOUN
fsr-3205	98	2	was	be	AUX
fsr-3205	98	3	proxied	proxie	VERB
fsr-3205	98	4	by	by	ADP
fsr-3205	98	5	edc1	edc1	PROPN
fsr-3205	98	6	,	,	PUNCT
fsr-3205	98	7	edc2	edc2	PROPN
fsr-3205	98	8	,	,	PUNCT
fsr-3205	98	9	and	and	CCONJ
fsr-3205	98	10	edc3	edc3	VERB
fsr-3205	98	11	and	and	CCONJ
fsr-3205	98	12	previous	previous	ADJ
fsr-3205	98	13	training	training	NOUN
fsr-3205	98	14	in	in	ADP
fsr-3205	98	15	economics	economic	NOUN
fsr-3205	98	16	or	or	CCONJ
fsr-3205	98	17	finance	finance	NOUN
fsr-3205	98	18	(	(	PUNCT
fsr-3205	98	19	dummy	dummy	NOUN
fsr-3205	98	20	:	:	PUNCT
fsr-3205	98	21	1	1	NUM
fsr-3205	98	22	for	for	ADP
fsr-3205	98	23	yes	yes	INTJ
fsr-3205	98	24	,	,	PUNCT
fsr-3205	98	25	and	and	CCONJ
fsr-3205	98	26	0	0	NUM
fsr-3205	98	27	for	for	ADP
fsr-3205	98	28	no	no	PRON
fsr-3205	98	29	)	)	PUNCT
fsr-3205	98	30	.	.	PUNCT
fsr-3205	99	1	the	the	DET
fsr-3205	99	2	ranking	ranking	NOUN
fsr-3205	99	3	of	of	ADP
fsr-3205	99	4	qualifications	qualification	NOUN
fsr-3205	99	5	were	be	AUX
fsr-3205	99	6	defined	define	VERB
fsr-3205	99	7	in	in	ADP
fsr-3205	99	8	accordance	accordance	NOUN
fsr-3205	99	9	to	to	ADP
fsr-3205	99	10	the	the	DET
fsr-3205	99	11	national	national	ADJ
fsr-3205	99	12	classification	classification	NOUN
fsr-3205	99	13	of	of	ADP
fsr-3205	99	14	professional	professional	ADJ
fsr-3205	99	15	activities	activity	NOUN
fsr-3205	99	16	,	,	PUNCT
fsr-3205	99	17	being	be	AUX
fsr-3205	99	18	that	that	PRON
fsr-3205	99	19	1	1	NUM
fsr-3205	99	20	corresponds	correspond	NOUN
fsr-3205	99	21	to	to	ADP
fsr-3205	99	22	the	the	DET
fsr-3205	99	23	highest	high	ADJ
fsr-3205	99	24	level	level	NOUN
fsr-3205	99	25	of	of	ADP
fsr-3205	99	26	qualification	qualification	NOUN
fsr-3205	99	27	and	and	CCONJ
fsr-3205	99	28	9	9	NUM
fsr-3205	99	29	the	the	DET
fsr-3205	99	30	lowest	low	ADJ
fsr-3205	99	31	.	.	PUNCT
fsr-3205	100	1	a	a	DET
fsr-3205	100	2	vector	vector	NOUN
fsr-3205	100	3	of	of	ADP
fsr-3205	100	4	variables	variable	NOUN
fsr-3205	100	5	was	be	AUX
fsr-3205	100	6	included	include	VERB
fsr-3205	100	7	to	to	PART
fsr-3205	100	8	grasp	grasp	VERB
fsr-3205	100	9	individuals	individual	NOUN
fsr-3205	100	10	’	’	PART
fsr-3205	100	11	attitudes	attitude	NOUN
fsr-3205	100	12	,	,	PUNCT
fsr-3205	100	13	interest	interest	NOUN
fsr-3205	100	14	towards	towards	ADP
fsr-3205	100	15	economic	economic	ADJ
fsr-3205	100	16	matters	matter	NOUN
fsr-3205	100	17	,	,	PUNCT
fsr-3205	100	18	and	and	CCONJ
fsr-3205	100	19	motivations	motivation	NOUN
fsr-3205	100	20	.	.	PUNCT
fsr-3205	101	1	follow	follow	NOUN
fsr-3205	101	2	is	be	AUX
fsr-3205	101	3	a	a	DET
fsr-3205	101	4	dummy	dummy	NOUN
fsr-3205	101	5	with	with	ADP
fsr-3205	101	6	value	value	NOUN
fsr-3205	101	7	1	1	NUM
fsr-3205	101	8	if	if	SCONJ
fsr-3205	101	9	the	the	DET
fsr-3205	101	10	respondent	respondent	NOUN
fsr-3205	101	11	table	table	NOUN
fsr-3205	101	12	2	2	NUM
fsr-3205	101	13	description	description	NOUN
fsr-3205	101	14	of	of	ADP
fsr-3205	101	15	variables	variable	NOUN
fsr-3205	101	16	variables	variable	VERB
fsr-3205	101	17	description	description	NOUN
fsr-3205	101	18	dependent	dependent	ADJ
fsr-3205	101	19	variable	variable	ADJ
fsr-3205	101	20	able	able	ADJ
fsr-3205	101	21	to	to	PART
fsr-3205	101	22	meet	meet	VERB
fsr-3205	101	23	credit	credit	NOUN
fsr-3205	101	24	1	1	NUM
fsr-3205	101	25	�	�	PROPN
fsr-3205	101	26	meet	meet	NOUN
fsr-3205	101	27	credits	credit	NOUN
fsr-3205	101	28	;	;	PUNCT
fsr-3205	101	29	0	0	NUM
fsr-3205	101	30	�	�	PROPN
fsr-3205	101	31	over	over	ADP
fsr-3205	101	32	-	-	PUNCT
fsr-3205	101	33	indebted	indebte	VERB
fsr-3205	101	34	explanatory	explanatory	ADJ
fsr-3205	101	35	variables	variable	NOUN
fsr-3205	101	36	economic	economic	ADJ
fsr-3205	101	37	and/or	and/or	CCONJ
fsr-3205	101	38	financial	financial	ADJ
fsr-3205	101	39	literacy	literacy	NOUN
fsr-3205	101	40	economic	economic	ADJ
fsr-3205	101	41	or	or	CCONJ
fsr-3205	101	42	financial	financial	ADJ
fsr-3205	101	43	literacy	literacy	NOUN
fsr-3205	101	44	percentage	percentage	NOUN
fsr-3205	101	45	of	of	ADP
fsr-3205	101	46	correct	correct	ADJ
fsr-3205	101	47	answers	answer	NOUN
fsr-3205	101	48	in	in	ADP
fsr-3205	101	49	economic	economic	ADJ
fsr-3205	101	50	or	or	CCONJ
fsr-3205	101	51	financial	financial	ADJ
fsr-3205	101	52	questions	question	NOUN
fsr-3205	101	53	(	(	PUNCT
fsr-3205	101	54	x*100/29	x*100/29	NOUN
fsr-3205	101	55	)	)	PUNCT
fsr-3205	101	56	economic	economic	ADJ
fsr-3205	101	57	literacy	literacy	NOUN
fsr-3205	101	58	percentage	percentage	NOUN
fsr-3205	101	59	of	of	ADP
fsr-3205	101	60	correct	correct	ADJ
fsr-3205	101	61	answers	answer	NOUN
fsr-3205	101	62	in	in	ADP
fsr-3205	101	63	economics	economic	NOUN
fsr-3205	101	64	(	(	PUNCT
fsr-3205	101	65	x_eco*100/22	x_eco*100/22	PROPN
fsr-3205	101	66	)	)	PUNCT
fsr-3205	101	67	financial	financial	ADJ
fsr-3205	101	68	literacy	literacy	NOUN
fsr-3205	101	69	percentage	percentage	NOUN
fsr-3205	101	70	of	of	ADP
fsr-3205	101	71	correct	correct	ADJ
fsr-3205	101	72	answers	answer	NOUN
fsr-3205	101	73	in	in	ADP
fsr-3205	101	74	finance	finance	NOUN
fsr-3205	101	75	(	(	PUNCT
fsr-3205	101	76	x_fin*100/7	x_fin*100/7	PROPN
fsr-3205	101	77	)	)	PUNCT
fsr-3205	101	78	demographic	demographic	ADJ
fsr-3205	101	79	characteristics	characteristic	NOUN
fsr-3205	101	80	age	age	NOUN
fsr-3205	101	81	discrete	discrete	ADJ
fsr-3205	101	82	variable	variable	NOUN
fsr-3205	101	83	for	for	ADP
fsr-3205	101	84	individual	individual	PROPN
fsr-3205	101	85	’s	’s	PART
fsr-3205	101	86	age	age	NOUN
fsr-3205	101	87	age2	age2	PROPN
fsr-3205	101	88	age	age	NOUN
fsr-3205	101	89	squared	square	VERB
fsr-3205	101	90	variable	variable	ADJ
fsr-3205	101	91	edc1	edc1	PROPN
fsr-3205	101	92	education	education	NOUN
fsr-3205	101	93	level	level	NOUN
fsr-3205	101	94	from	from	ADP
fsr-3205	101	95	0	0	NUM
fsr-3205	101	96	to	to	PART
fsr-3205	101	97	9	9	NUM
fsr-3205	101	98	years	year	NOUN
fsr-3205	101	99	schooling	schooling	NOUN
fsr-3205	101	100	:	:	PUNCT
fsr-3205	101	101	1	1	NUM
fsr-3205	101	102	yes	yes	INTJ
fsr-3205	101	103	;	;	PUNCT
fsr-3205	101	104	0	0	X
fsr-3205	101	105	no	no	DET
fsr-3205	101	106	edc2	edc2	NOUN
fsr-3205	101	107	12	12	NUM
fsr-3205	101	108	years	year	NOUN
fsr-3205	101	109	schooling	schooling	NOUN
fsr-3205	101	110	:	:	PUNCT
fsr-3205	101	111	1	1	NUM
fsr-3205	101	112	yes	yes	INTJ
fsr-3205	101	113	;	;	PUNCT
fsr-3205	101	114	0	0	X
fsr-3205	102	1	no	no	PRON
fsr-3205	102	2	edc3	edc3	VERB
fsr-3205	102	3	higher	high	ADJ
fsr-3205	102	4	education	education	NOUN
fsr-3205	102	5	:	:	PUNCT
fsr-3205	102	6	1	1	NUM
fsr-3205	102	7	yes	yes	NOUN
fsr-3205	102	8	;	;	PUNCT
fsr-3205	102	9	0	0	X
fsr-3205	103	1	no	no	DET
fsr-3205	103	2	gender	gender	NOUN
fsr-3205	103	3	gender	gender	NOUN
fsr-3205	103	4	1	1	NUM
fsr-3205	103	5	�	�	PROPN
fsr-3205	103	6	male	male	NOUN
fsr-3205	103	7	;	;	PUNCT
fsr-3205	103	8	0	0	NUM
fsr-3205	103	9	�	�	PROPN
fsr-3205	103	10	female	female	ADJ
fsr-3205	103	11	nac	nac	PROPN
fsr-3205	103	12	nationality	nationality	NOUN
fsr-3205	103	13	1	1	NUM
fsr-3205	103	14	�	�	PROPN
fsr-3205	103	15	portuguese	portuguese	NOUN
fsr-3205	103	16	;	;	PUNCT
fsr-3205	103	17	0	0	NUM
fsr-3205	103	18	�	�	PROPN
fsr-3205	103	19	otherwise	otherwise	ADV
fsr-3205	103	20	socioeconomic	socioeconomic	ADJ
fsr-3205	103	21	characteristics	characteristic	NOUN
fsr-3205	103	22	income	income	NOUN
fsr-3205	103	23	1	1	NUM
fsr-3205	103	24	to	to	ADP
fsr-3205	103	25	5	5	NUM
fsr-3205	103	26	,	,	PUNCT
fsr-3205	103	27	from	from	ADP
fsr-3205	103	28	lower	low	ADJ
fsr-3205	103	29	levels	level	NOUN
fsr-3205	103	30	of	of	ADP
fsr-3205	103	31	income	income	NOUN
fsr-3205	103	32	to	to	ADP
fsr-3205	103	33	higher	high	ADJ
fsr-3205	103	34	levels	level	NOUN
fsr-3205	103	35	of	of	ADP
fsr-3205	103	36	income	income	NOUN
fsr-3205	103	37	econ	econ	PROPN
fsr-3205	103	38	attended	attend	VERB
fsr-3205	103	39	some	some	DET
fsr-3205	103	40	kind	kind	NOUN
fsr-3205	103	41	of	of	ADP
fsr-3205	103	42	training	training	NOUN
fsr-3205	103	43	in	in	ADP
fsr-3205	103	44	economics	economic	NOUN
fsr-3205	103	45	or	or	CCONJ
fsr-3205	103	46	finance	finance	NOUN
fsr-3205	103	47	:	:	PUNCT
fsr-3205	103	48	1	1	NUM
fsr-3205	103	49	yes	yes	INTJ
fsr-3205	103	50	;	;	PUNCT
fsr-3205	103	51	0	0	X
fsr-3205	103	52	no	no	DET
fsr-3205	103	53	cnp	cnp	NOUN
fsr-3205	103	54	1	1	NUM
fsr-3205	103	55	to	to	ADP
fsr-3205	103	56	9	9	NUM
fsr-3205	103	57	:	:	SYM
fsr-3205	103	58	1	1	NUM
fsr-3205	103	59	corresponds	correspond	VERB
fsr-3205	103	60	to	to	ADP
fsr-3205	103	61	the	the	DET
fsr-3205	103	62	activities	activity	NOUN
fsr-3205	103	63	corresponding	correspond	VERB
fsr-3205	103	64	to	to	ADP
fsr-3205	103	65	the	the	DET
fsr-3205	103	66	highest	high	ADJ
fsr-3205	103	67	level	level	NOUN
fsr-3205	103	68	of	of	ADP
fsr-3205	103	69	qualifications	qualification	NOUN
fsr-3205	103	70	and	and	CCONJ
fsr-3205	103	71	9	9	NUM
fsr-3205	103	72	to	to	ADP
fsr-3205	103	73	the	the	DET
fsr-3205	103	74	lowest	low	ADJ
fsr-3205	103	75	interest	interest	NOUN
fsr-3205	103	76	and	and	CCONJ
fsr-3205	103	77	motivation	motivation	NOUN
fsr-3205	103	78	towards	towards	ADP
fsr-3205	103	79	economic	economic	ADJ
fsr-3205	103	80	matters	matter	NOUN
fsr-3205	103	81	follow	follow	VERB
fsr-3205	103	82	frequently	frequently	ADV
fsr-3205	103	83	follows	follow	VERB
fsr-3205	103	84	economic	economic	ADJ
fsr-3205	103	85	matters	matter	NOUN
fsr-3205	103	86	in	in	ADP
fsr-3205	103	87	the	the	DET
fsr-3205	103	88	media	medium	NOUN
fsr-3205	103	89	:	:	PUNCT
fsr-3205	103	90	1	1	NUM
fsr-3205	103	91	yes	yes	NOUN
fsr-3205	103	92	;	;	PUNCT
fsr-3205	103	93	0	0	X
fsr-3205	104	1	no	no	DET
fsr-3205	104	2	import	import	NOUN
fsr-3205	104	3	degree	degree	NOUN
fsr-3205	104	4	of	of	ADP
fsr-3205	104	5	importance	importance	NOUN
fsr-3205	104	6	of	of	ADP
fsr-3205	104	7	economic	economic	ADJ
fsr-3205	104	8	knowledge	knowledge	NOUN
fsr-3205	104	9	to	to	ADP
fsr-3205	104	10	several	several	ADJ
fsr-3205	104	11	situations	situation	NOUN
fsr-3205	104	12	:	:	PUNCT
fsr-3205	104	13	0	0	NUM
fsr-3205	104	14	to	to	PART
fsr-3205	104	15	29	29	NUM
fsr-3205	104	16	attitudes	attitude	NOUN
fsr-3205	104	17	regarding	regard	VERB
fsr-3205	104	18	saving	save	VERB
fsr-3205	104	19	save	save	NOUN
fsr-3205	104	20	saves	save	NOUN
fsr-3205	104	21	:	:	PUNCT
fsr-3205	104	22	1	1	NUM
fsr-3205	104	23	yes	yes	NOUN
fsr-3205	104	24	;	;	PUNCT
fsr-3205	104	25	0	0	NUM
fsr-3205	104	26	no	no	NOUN
fsr-3205	104	27	.	.	PUNCT
fsr-3205	105	1	aqgoods	aqgood	NOUN
fsr-3205	105	2	saves	save	VERB
fsr-3205	105	3	with	with	ADP
fsr-3205	105	4	medium	medium	ADJ
fsr-3205	105	5	objectives	objective	NOUN
fsr-3205	105	6	saves	save	VERB
fsr-3205	105	7	to	to	PART
fsr-3205	105	8	acquire	acquire	VERB
fsr-3205	105	9	durable	durable	ADJ
fsr-3205	105	10	goods	good	NOUN
fsr-3205	105	11	:	:	PUNCT
fsr-3205	105	12	1	1	NUM
fsr-3205	105	13	yes	yes	NOUN
fsr-3205	105	14	;	;	PUNCT
fsr-3205	105	15	0	0	X
fsr-3205	105	16	no	no	DET
fsr-3205	105	17	retirement	retirement	NOUN
fsr-3205	105	18	saves	save	VERB
fsr-3205	105	19	with	with	ADP
fsr-3205	105	20	long	long	ADJ
fsr-3205	105	21	term	term	NOUN
fsr-3205	105	22	objectives	objective	NOUN
fsr-3205	105	23	saves	save	VERB
fsr-3205	105	24	for	for	ADP
fsr-3205	105	25	retirement	retirement	NOUN
fsr-3205	105	26	:	:	PUNCT
fsr-3205	105	27	1	1	NUM
fsr-3205	105	28	yes	yes	NOUN
fsr-3205	105	29	;	;	PUNCT
fsr-3205	105	30	0	0	NUM
fsr-3205	105	31	no	no	DET
fsr-3205	105	32	330	330	NUM
fsr-3205	105	33	c.	c.	NOUN
fsr-3205	105	34	varum	varum	NOUN
fsr-3205	105	35	,	,	PUNCT
fsr-3205	105	36	a.	a.	PROPN
fsr-3205	105	37	kolyban	kolyban	PROPN
fsr-3205	105	38	/	/	SYM
fsr-3205	105	39	financial	financial	ADJ
fsr-3205	105	40	services	service	NOUN
fsr-3205	105	41	review	review	VERB
fsr-3205	105	42	23	23	NUM
fsr-3205	105	43	(	(	PUNCT
fsr-3205	105	44	2014	2014	NUM
fsr-3205	105	45	)	)	PUNCT
fsr-3205	105	46	325–339	325–339	NUM
fsr-3205	105	47	follows	follow	VERB
fsr-3205	105	48	various	various	ADJ
fsr-3205	105	49	media	medium	NOUN
fsr-3205	105	50	regarding	regard	VERB
fsr-3205	105	51	economic	economic	ADJ
fsr-3205	105	52	affairs	affair	NOUN
fsr-3205	105	53	and	and	CCONJ
fsr-3205	105	54	0	0	NUM
fsr-3205	105	55	otherwise	otherwise	ADV
fsr-3205	105	56	.	.	PUNCT
fsr-3205	106	1	aqgoods	aqgood	NOUN
fsr-3205	106	2	and	and	CCONJ
fsr-3205	106	3	retirement	retirement	NOUN
fsr-3205	106	4	are	be	AUX
fsr-3205	106	5	two	two	NUM
fsr-3205	106	6	variables	variable	NOUN
fsr-3205	106	7	that	that	PRON
fsr-3205	106	8	indicate	indicate	VERB
fsr-3205	106	9	the	the	DET
fsr-3205	106	10	motivation	motivation	NOUN
fsr-3205	106	11	to	to	PART
fsr-3205	106	12	save	save	VERB
fsr-3205	106	13	.	.	PUNCT
fsr-3205	107	1	aqgoods	aqgood	NOUN
fsr-3205	107	2	is	be	AUX
fsr-3205	107	3	a	a	DET
fsr-3205	107	4	dummy	dummy	ADJ
fsr-3205	107	5	variable	variable	NOUN
fsr-3205	107	6	that	that	PRON
fsr-3205	107	7	takes	take	VERB
fsr-3205	107	8	value	value	NOUN
fsr-3205	107	9	1	1	NUM
fsr-3205	107	10	if	if	SCONJ
fsr-3205	107	11	the	the	DET
fsr-3205	107	12	respondent	respondent	NOUN
fsr-3205	107	13	saves	save	VERB
fsr-3205	107	14	essentially	essentially	ADV
fsr-3205	107	15	for	for	ADP
fsr-3205	107	16	purchase	purchase	NOUN
fsr-3205	107	17	of	of	ADP
fsr-3205	107	18	durable	durable	ADJ
fsr-3205	107	19	goods	good	NOUN
fsr-3205	107	20	and	and	CCONJ
fsr-3205	107	21	0	0	NUM
fsr-3205	107	22	otherwise	otherwise	ADV
fsr-3205	107	23	,	,	PUNCT
fsr-3205	107	24	and	and	CCONJ
fsr-3205	107	25	retirement	retirement	NOUN
fsr-3205	107	26	takes	take	VERB
fsr-3205	107	27	value	value	NOUN
fsr-3205	107	28	1	1	NUM
fsr-3205	107	29	when	when	SCONJ
fsr-3205	107	30	the	the	DET
fsr-3205	107	31	respondent	respondent	NOUN
fsr-3205	107	32	saves	save	VERB
fsr-3205	107	33	for	for	ADP
fsr-3205	107	34	retirement	retirement	NOUN
fsr-3205	107	35	and	and	CCONJ
fsr-3205	107	36	0	0	NUM
fsr-3205	107	37	otherwise	otherwise	ADV
fsr-3205	107	38	.	.	PUNCT
fsr-3205	108	1	save	save	VERB
fsr-3205	108	2	is	be	AUX
fsr-3205	108	3	and	and	CCONJ
fsr-3205	108	4	a	a	DET
fsr-3205	108	5	dummy	dummy	ADJ
fsr-3205	108	6	variable	variable	NOUN
fsr-3205	108	7	that	that	PRON
fsr-3205	108	8	takes	take	VERB
fsr-3205	108	9	value	value	NOUN
fsr-3205	108	10	1	1	NUM
fsr-3205	108	11	if	if	SCONJ
fsr-3205	108	12	the	the	DET
fsr-3205	108	13	respondent	respondent	NOUN
fsr-3205	108	14	is	be	AUX
fsr-3205	108	15	able	able	ADJ
fsr-3205	108	16	to	to	PART
fsr-3205	108	17	save	save	VERB
fsr-3205	108	18	a	a	DET
fsr-3205	108	19	percentage	percentage	NOUN
fsr-3205	108	20	of	of	ADP
fsr-3205	108	21	his	his	PRON
fsr-3205	108	22	disposable	disposable	ADJ
fsr-3205	108	23	income	income	NOUN
fsr-3205	108	24	and	and	CCONJ
fsr-3205	108	25	0	0	NUM
fsr-3205	108	26	otherwise	otherwise	ADV
fsr-3205	108	27	.	.	PUNCT
fsr-3205	109	1	we	we	PRON
fsr-3205	109	2	measure	measure	VERB
fsr-3205	109	3	the	the	DET
fsr-3205	109	4	importance	importance	NOUN
fsr-3205	109	5	of	of	ADP
fsr-3205	109	6	the	the	DET
fsr-3205	109	7	respondents	respondent	NOUN
fsr-3205	109	8	knowledge	knowledge	NOUN
fsr-3205	109	9	of	of	ADP
fsr-3205	109	10	economics	economic	NOUN
fsr-3205	109	11	for	for	ADP
fsr-3205	109	12	various	various	ADJ
fsr-3205	109	13	situations	situation	NOUN
fsr-3205	109	14	.	.	PUNCT
fsr-3205	110	1	for	for	ADP
fsr-3205	110	2	each	each	DET
fsr-3205	110	3	situation	situation	NOUN
fsr-3205	110	4	we	we	PRON
fsr-3205	110	5	considered	consider	VERB
fsr-3205	110	6	a	a	DET
fsr-3205	110	7	likert	likert	ADJ
fsr-3205	110	8	scale	scale	NOUN
fsr-3205	110	9	of	of	ADP
fsr-3205	110	10	1	1	NUM
fsr-3205	110	11	(	(	PUNCT
fsr-3205	110	12	not	not	PART
fsr-3205	110	13	important	important	ADJ
fsr-3205	110	14	)	)	PUNCT
fsr-3205	110	15	to	to	ADP
fsr-3205	110	16	4	4	NUM
fsr-3205	110	17	(	(	PUNCT
fsr-3205	110	18	very	very	ADV
fsr-3205	110	19	important	important	ADJ
fsr-3205	110	20	)	)	PUNCT
fsr-3205	110	21	.	.	PUNCT
fsr-3205	111	1	the	the	DET
fsr-3205	111	2	importance	importance	NOUN
fsr-3205	111	3	attributed	attribute	VERB
fsr-3205	111	4	to	to	ADP
fsr-3205	111	5	economics	economic	NOUN
fsr-3205	111	6	is	be	AUX
fsr-3205	111	7	measured	measure	VERB
fsr-3205	111	8	by	by	ADP
fsr-3205	111	9	a	a	DET
fsr-3205	111	10	weight	weight	NOUN
fsr-3205	111	11	factor	factor	NOUN
fsr-3205	111	12	(	(	PUNCT
fsr-3205	111	13	from	from	ADP
fsr-3205	111	14	1	1	NUM
fsr-3205	111	15	to	to	ADP
fsr-3205	111	16	29	29	NUM
fsr-3205	111	17	,	,	PUNCT
fsr-3205	111	18	in	in	ADP
fsr-3205	111	19	an	an	DET
fsr-3205	111	20	increasing	increase	VERB
fsr-3205	111	21	scale	scale	NOUN
fsr-3205	111	22	)	)	PUNCT
fsr-3205	111	23	.	.	PUNCT
fsr-3205	112	1	table	table	NOUN
fsr-3205	112	2	2	2	NUM
fsr-3205	112	3	presents	present	VERB
fsr-3205	112	4	a	a	DET
fsr-3205	112	5	summary	summary	NOUN
fsr-3205	112	6	of	of	ADP
fsr-3205	112	7	the	the	DET
fsr-3205	112	8	variables	variable	NOUN
fsr-3205	112	9	.	.	PUNCT
fsr-3205	113	1	4	4	X
fsr-3205	113	2	.	.	NOUN
fsr-3205	113	3	results	result	VERB
fsr-3205	113	4	4.1	4.1	NUM
fsr-3205	113	5	.	.	PUNCT
fsr-3205	114	1	descriptive	descriptive	ADJ
fsr-3205	114	2	findings	finding	NOUN
fsr-3205	114	3	table	table	NOUN
fsr-3205	114	4	3	3	NUM
fsr-3205	114	5	reports	report	VERB
fsr-3205	114	6	percentage	percentage	NOUN
fsr-3205	114	7	of	of	ADP
fsr-3205	114	8	correct	correct	ADJ
fsr-3205	114	9	answers	answer	NOUN
fsr-3205	114	10	on	on	ADP
fsr-3205	114	11	economic	economic	ADJ
fsr-3205	114	12	and	and	CCONJ
fsr-3205	114	13	financial	financial	ADJ
fsr-3205	114	14	literacy	literacy	NOUN
fsr-3205	114	15	of	of	ADP
fsr-3205	114	16	respondents	respondent	NOUN
fsr-3205	114	17	according	accord	VERB
fsr-3205	114	18	all	all	DET
fsr-3205	114	19	explanatory	explanatory	ADJ
fsr-3205	114	20	variables	variable	NOUN
fsr-3205	114	21	.	.	PUNCT
fsr-3205	115	1	based	base	VERB
fsr-3205	115	2	upon	upon	SCONJ
fsr-3205	115	3	statistics	statistic	NOUN
fsr-3205	115	4	presented	present	VERB
fsr-3205	115	5	in	in	ADP
fsr-3205	115	6	table	table	NOUN
fsr-3205	115	7	3	3	NUM
fsr-3205	115	8	youngest	young	ADJ
fsr-3205	115	9	respondents	respondent	NOUN
fsr-3205	115	10	and	and	CCONJ
fsr-3205	115	11	minorities	minority	NOUN
fsr-3205	115	12	exhibit	exhibit	VERB
fsr-3205	115	13	poorer	poor	ADJ
fsr-3205	115	14	performance	performance	NOUN
fsr-3205	115	15	in	in	ADP
fsr-3205	115	16	economic	economic	ADJ
fsr-3205	115	17	and	and	CCONJ
fsr-3205	115	18	financial	financial	ADJ
fsr-3205	115	19	literacy	literacy	NOUN
fsr-3205	115	20	,	,	PUNCT
fsr-3205	115	21	which	which	PRON
fsr-3205	115	22	is	be	AUX
fsr-3205	115	23	particularly	particularly	ADV
fsr-3205	115	24	troubling	troubling	ADJ
fsr-3205	115	25	.	.	PUNCT
fsr-3205	116	1	the	the	DET
fsr-3205	116	2	average	average	ADJ
fsr-3205	116	3	percentage	percentage	NOUN
fsr-3205	116	4	of	of	ADP
fsr-3205	116	5	correct	correct	ADJ
fsr-3205	116	6	responses	response	NOUN
fsr-3205	116	7	increases	increase	NOUN
fsr-3205	116	8	with	with	ADP
fsr-3205	116	9	post	post	ADJ
fsr-3205	116	10	-	-	ADJ
fsr-3205	116	11	school	school	ADJ
fsr-3205	116	12	education	education	NOUN
fsr-3205	116	13	and	and	CCONJ
fsr-3205	116	14	monthly	monthly	ADJ
fsr-3205	116	15	household	household	NOUN
fsr-3205	116	16	income	income	NOUN
fsr-3205	116	17	.	.	PUNCT
fsr-3205	117	1	the	the	DET
fsr-3205	117	2	average	average	ADJ
fsr-3205	117	3	percentage	percentage	NOUN
fsr-3205	117	4	of	of	ADP
fsr-3205	117	5	correct	correct	ADJ
fsr-3205	117	6	answers	answer	NOUN
fsr-3205	117	7	for	for	ADP
fsr-3205	117	8	economic	economic	ADJ
fsr-3205	117	9	questions	question	NOUN
fsr-3205	117	10	is	be	AUX
fsr-3205	117	11	significantly	significantly	ADV
fsr-3205	117	12	higher	high	ADJ
fsr-3205	117	13	than	than	ADP
fsr-3205	117	14	the	the	DET
fsr-3205	117	15	average	average	NOUN
fsr-3205	117	16	for	for	ADP
fsr-3205	117	17	financial	financial	ADJ
fsr-3205	117	18	questions	question	NOUN
fsr-3205	117	19	,	,	PUNCT
fsr-3205	117	20	showing	show	VERB
fsr-3205	117	21	that	that	SCONJ
fsr-3205	117	22	portuguese	portuguese	ADJ
fsr-3205	117	23	citizen	citizen	NOUN
fsr-3205	117	24	s	s	AUX
fsr-3205	117	25	have	have	VERB
fsr-3205	117	26	higher	high	ADJ
fsr-3205	117	27	literacy	literacy	NOUN
fsr-3205	117	28	level	level	NOUN
fsr-3205	117	29	in	in	ADP
fsr-3205	117	30	economics	economic	NOUN
fsr-3205	117	31	than	than	ADP
fsr-3205	117	32	in	in	ADP
fsr-3205	117	33	finance	finance	NOUN
fsr-3205	117	34	.	.	PUNCT
fsr-3205	118	1	table	table	NOUN
fsr-3205	118	2	4	4	NUM
fsr-3205	118	3	presents	present	VERB
fsr-3205	118	4	the	the	DET
fsr-3205	118	5	descriptive	descriptive	ADJ
fsr-3205	118	6	statistics	statistic	NOUN
fsr-3205	118	7	on	on	ADP
fsr-3205	118	8	the	the	DET
fsr-3205	118	9	capability	capability	NOUN
fsr-3205	118	10	to	to	PART
fsr-3205	118	11	pay	pay	VERB
fsr-3205	118	12	credit	credit	NOUN
fsr-3205	118	13	payments	payment	NOUN
fsr-3205	118	14	and	and	CCONJ
fsr-3205	118	15	economic	economic	ADJ
fsr-3205	118	16	and/or	and/or	CCONJ
fsr-3205	118	17	financial	financial	ADJ
fsr-3205	118	18	literacy	literacy	NOUN
fsr-3205	118	19	.	.	PUNCT
fsr-3205	119	1	there	there	PRON
fsr-3205	119	2	is	be	VERB
fsr-3205	119	3	a	a	DET
fsr-3205	119	4	strong	strong	ADJ
fsr-3205	119	5	correlation	correlation	NOUN
fsr-3205	119	6	between	between	ADP
fsr-3205	119	7	ability	ability	NOUN
fsr-3205	119	8	to	to	PART
fsr-3205	119	9	meet	meet	VERB
fsr-3205	119	10	commitments	commitment	NOUN
fsr-3205	119	11	and	and	CCONJ
fsr-3205	119	12	economic	economic	ADJ
fsr-3205	119	13	or	or	CCONJ
fsr-3205	119	14	financial	financial	ADJ
fsr-3205	119	15	knowledge	knowledge	NOUN
fsr-3205	119	16	.	.	PUNCT
fsr-3205	120	1	furthermore	furthermore	ADV
fsr-3205	120	2	,	,	PUNCT
fsr-3205	120	3	a	a	DET
fsr-3205	120	4	significant	significant	ADJ
fsr-3205	120	5	differences	difference	NOUN
fsr-3205	120	6	between	between	ADP
fsr-3205	120	7	those	those	PRON
fsr-3205	120	8	that	that	PRON
fsr-3205	120	9	meet	meet	VERB
fsr-3205	120	10	commitments	commitment	NOUN
fsr-3205	120	11	and	and	CCONJ
fsr-3205	120	12	those	those	PRON
fsr-3205	120	13	that	that	PRON
fsr-3205	120	14	are	be	AUX
fsr-3205	120	15	over	over	ADV
fsr-3205	120	16	-	-	PUNCT
fsr-3205	120	17	indebted	indebte	VERB
fsr-3205	120	18	.	.	PUNCT
fsr-3205	121	1	descriptive	descriptive	ADJ
fsr-3205	121	2	statistics	statistic	NOUN
fsr-3205	121	3	on	on	ADP
fsr-3205	121	4	capability	capability	NOUN
fsr-3205	121	5	to	to	PART
fsr-3205	121	6	pay	pay	VERB
fsr-3205	121	7	debts	debt	NOUN
fsr-3205	121	8	and	and	CCONJ
fsr-3205	121	9	demographic	demographic	ADJ
fsr-3205	121	10	characteristics	characteristic	NOUN
fsr-3205	121	11	are	be	AUX
fsr-3205	121	12	presented	present	VERB
fsr-3205	121	13	in	in	ADP
fsr-3205	121	14	table	table	NOUN
fsr-3205	121	15	5	5	NUM
fsr-3205	121	16	.	.	PUNCT
fsr-3205	122	1	we	we	PRON
fsr-3205	122	2	find	find	VERB
fsr-3205	122	3	a	a	DET
fsr-3205	122	4	significant	significant	ADJ
fsr-3205	122	5	relationship	relationship	NOUN
fsr-3205	122	6	between	between	ADP
fsr-3205	122	7	demographic	demographic	ADJ
fsr-3205	122	8	characteristics	characteristic	NOUN
fsr-3205	122	9	and	and	CCONJ
fsr-3205	122	10	over	over	ADP
fsr-3205	122	11	-	-	PUNCT
fsr-3205	122	12	indebtedness	indebtedness	NOUN
fsr-3205	122	13	.	.	PUNCT
fsr-3205	123	1	descriptive	descriptive	ADJ
fsr-3205	123	2	findings	finding	NOUN
fsr-3205	123	3	show	show	VERB
fsr-3205	123	4	that	that	SCONJ
fsr-3205	123	5	men	man	NOUN
fsr-3205	123	6	,	,	PUNCT
fsr-3205	123	7	portuguese	portuguese	ADJ
fsr-3205	123	8	respondents	respondent	NOUN
fsr-3205	123	9	,	,	PUNCT
fsr-3205	123	10	and	and	CCONJ
fsr-3205	123	11	those	those	PRON
fsr-3205	123	12	with	with	ADP
fsr-3205	123	13	higher	high	ADJ
fsr-3205	123	14	education	education	NOUN
fsr-3205	123	15	are	be	AUX
fsr-3205	123	16	more	more	ADV
fsr-3205	123	17	likely	likely	ADJ
fsr-3205	123	18	to	to	PART
fsr-3205	123	19	meet	meet	VERB
fsr-3205	123	20	their	their	PRON
fsr-3205	123	21	credit	credit	NOUN
fsr-3205	123	22	obligations	obligation	NOUN
fsr-3205	123	23	.	.	PUNCT
fsr-3205	124	1	table	table	NOUN
fsr-3205	124	2	6	6	NUM
fsr-3205	124	3	corroborates	corroborate	VERB
fsr-3205	124	4	the	the	DET
fsr-3205	124	5	descriptive	descriptive	ADJ
fsr-3205	124	6	findings	finding	NOUN
fsr-3205	124	7	on	on	ADP
fsr-3205	124	8	capacity	capacity	NOUN
fsr-3205	124	9	to	to	PART
fsr-3205	124	10	pay	pay	VERB
fsr-3205	124	11	their	their	PRON
fsr-3205	124	12	credit	credit	NOUN
fsr-3205	124	13	obligations	obligation	NOUN
fsr-3205	124	14	and	and	CCONJ
fsr-3205	124	15	socioeconomic	socioeconomic	ADJ
fsr-3205	124	16	characteristics	characteristic	NOUN
fsr-3205	124	17	.	.	PUNCT
fsr-3205	125	1	it	it	PRON
fsr-3205	125	2	is	be	AUX
fsr-3205	125	3	observed	observe	VERB
fsr-3205	125	4	that	that	SCONJ
fsr-3205	125	5	fewer	few	ADJ
fsr-3205	125	6	difficulties	difficulty	NOUN
fsr-3205	125	7	in	in	ADP
fsr-3205	125	8	paying	pay	VERB
fsr-3205	125	9	debts	debt	NOUN
fsr-3205	125	10	can	can	AUX
fsr-3205	125	11	be	be	AUX
fsr-3205	125	12	found	find	VERB
fsr-3205	125	13	among	among	ADP
fsr-3205	125	14	individuals	individual	NOUN
fsr-3205	125	15	who	who	PRON
fsr-3205	125	16	are	be	AUX
fsr-3205	125	17	able	able	ADJ
fsr-3205	125	18	to	to	PART
fsr-3205	125	19	save	save	VERB
fsr-3205	125	20	some	some	DET
fsr-3205	125	21	money	money	NOUN
fsr-3205	125	22	and	and	CCONJ
fsr-3205	125	23	among	among	ADP
fsr-3205	125	24	those	those	PRON
fsr-3205	125	25	who	who	PRON
fsr-3205	125	26	frequently	frequently	ADV
fsr-3205	125	27	follow	follow	VERB
fsr-3205	125	28	economic	economic	ADJ
fsr-3205	125	29	issues	issue	NOUN
fsr-3205	125	30	in	in	ADP
fsr-3205	125	31	media	medium	NOUN
fsr-3205	125	32	.	.	PUNCT
fsr-3205	126	1	individuals	individual	NOUN
fsr-3205	126	2	with	with	ADP
fsr-3205	126	3	lower	low	ADJ
fsr-3205	126	4	income	income	NOUN
fsr-3205	126	5	and	and	CCONJ
fsr-3205	126	6	qualification	qualification	NOUN
fsr-3205	126	7	levels	level	NOUN
fsr-3205	126	8	are	be	AUX
fsr-3205	126	9	more	more	ADV
fsr-3205	126	10	likely	likely	ADJ
fsr-3205	126	11	to	to	PART
fsr-3205	126	12	have	have	VERB
fsr-3205	126	13	difficulties	difficulty	NOUN
fsr-3205	126	14	paying	pay	VERB
fsr-3205	126	15	credits	credit	NOUN
fsr-3205	126	16	.	.	PUNCT
fsr-3205	127	1	4.2	4.2	NUM
fsr-3205	127	2	.	.	PUNCT
fsr-3205	127	3	econometric	econometric	ADJ
fsr-3205	127	4	results	result	NOUN
fsr-3205	127	5	in	in	ADP
fsr-3205	127	6	our	our	PRON
fsr-3205	127	7	study	study	NOUN
fsr-3205	127	8	we	we	PRON
fsr-3205	127	9	seek	seek	VERB
fsr-3205	127	10	to	to	PART
fsr-3205	127	11	understand	understand	VERB
fsr-3205	127	12	whether	whether	SCONJ
fsr-3205	127	13	people	people	NOUN
fsr-3205	127	14	face	face	VERB
fsr-3205	127	15	difficulties	difficulty	NOUN
fsr-3205	127	16	paying	pay	VERB
fsr-3205	127	17	their	their	PRON
fsr-3205	127	18	debts	debt	NOUN
fsr-3205	127	19	and	and	CCONJ
fsr-3205	127	20	if	if	SCONJ
fsr-3205	127	21	this	this	DET
fsr-3205	127	22	situation	situation	NOUN
fsr-3205	127	23	is	be	AUX
fsr-3205	127	24	related	relate	VERB
fsr-3205	127	25	to	to	ADP
fsr-3205	127	26	their	their	PRON
fsr-3205	127	27	knowledge	knowledge	NOUN
fsr-3205	127	28	about	about	ADP
fsr-3205	127	29	economic	economic	ADJ
fsr-3205	127	30	matters	matter	NOUN
fsr-3205	127	31	.	.	PUNCT
fsr-3205	128	1	to	to	PART
fsr-3205	128	2	proxy	proxy	VERB
fsr-3205	128	3	debt	debt	NOUN
fsr-3205	128	4	levels	level	NOUN
fsr-3205	128	5	,	,	PUNCT
fsr-3205	128	6	we	we	PRON
fsr-3205	128	7	ask	ask	VERB
fsr-3205	128	8	individuals	individual	NOUN
fsr-3205	128	9	about	about	ADP
fsr-3205	128	10	their	their	PRON
fsr-3205	128	11	capacity	capacity	NOUN
fsr-3205	128	12	to	to	PART
fsr-3205	128	13	meet	meet	VERB
fsr-3205	128	14	their	their	PRON
fsr-3205	128	15	credit	credit	NOUN
fsr-3205	128	16	obligations	obligation	NOUN
fsr-3205	128	17	.	.	PUNCT
fsr-3205	129	1	at	at	ADP
fsr-3205	129	2	first	first	ADV
fsr-3205	129	3	,	,	PUNCT
fsr-3205	129	4	we	we	PRON
fsr-3205	129	5	try	try	VERB
fsr-3205	129	6	to	to	PART
fsr-3205	129	7	understand	understand	VERB
fsr-3205	129	8	which	which	DET
fsr-3205	129	9	factors	factor	NOUN
fsr-3205	129	10	influence	influence	VERB
fsr-3205	129	11	the	the	DET
fsr-3205	129	12	ability	ability	NOUN
fsr-3205	129	13	to	to	PART
fsr-3205	129	14	meet	meet	VERB
fsr-3205	129	15	credit	credit	NOUN
fsr-3205	129	16	.	.	PUNCT
fsr-3205	130	1	table	table	NOUN
fsr-3205	130	2	7	7	NUM
fsr-3205	130	3	331c	331c	NUM
fsr-3205	130	4	.	.	PUNCT
fsr-3205	131	1	varum	varum	NOUN
fsr-3205	131	2	,	,	PUNCT
fsr-3205	131	3	a.	a.	PROPN
fsr-3205	131	4	kolyban	kolyban	PROPN
fsr-3205	131	5	/	/	SYM
fsr-3205	131	6	financial	financial	ADJ
fsr-3205	131	7	services	service	NOUN
fsr-3205	131	8	review	review	VERB
fsr-3205	131	9	23	23	NUM
fsr-3205	131	10	(	(	PUNCT
fsr-3205	131	11	2014	2014	NUM
fsr-3205	131	12	)	)	PUNCT
fsr-3205	132	1	325–339	325–339	NUM
fsr-3205	132	2	table	table	NOUN
fsr-3205	132	3	3	3	NUM
fsr-3205	132	4	percentage	percentage	NOUN
fsr-3205	132	5	of	of	ADP
fsr-3205	132	6	correct	correct	ADJ
fsr-3205	132	7	answers	answer	NOUN
fsr-3205	132	8	to	to	ADP
fsr-3205	132	9	economic	economic	ADJ
fsr-3205	132	10	and	and	CCONJ
fsr-3205	132	11	financial	financial	ADJ
fsr-3205	132	12	questions	question	NOUN
fsr-3205	132	13	characteristics	characteristic	NOUN
fsr-3205	132	14	%	%	INTJ
fsr-3205	132	15	correct	correct	ADJ
fsr-3205	132	16	answers	answer	NOUN
fsr-3205	132	17	on	on	ADP
fsr-3205	132	18	economic	economic	ADJ
fsr-3205	132	19	literacy	literacy	NOUN
fsr-3205	132	20	%	%	NOUN
fsr-3205	132	21	correct	correct	ADJ
fsr-3205	132	22	answers	answer	NOUN
fsr-3205	132	23	on	on	ADP
fsr-3205	132	24	financial	financial	ADJ
fsr-3205	132	25	literacy	literacy	NOUN
fsr-3205	132	26	gender	gender	NOUN
fsr-3205	132	27	female	female	NOUN
fsr-3205	132	28	*	*	NOUN
fsr-3205	132	29	72.4	72.4	NUM
fsr-3205	132	30	60.7	60.7	NUM
fsr-3205	132	31	male	male	NOUN
fsr-3205	132	32	*	*	NUM
fsr-3205	132	33	83.3	83.3	NUM
fsr-3205	132	34	71.3	71.3	NUM
fsr-3205	132	35	nationality	nationality	NOUN
fsr-3205	132	36	portuguese	portuguese	NOUN
fsr-3205	132	37	*	*	PROPN
fsr-3205	132	38	76.9	76.9	NUM
fsr-3205	132	39	65.7	65.7	NUM
fsr-3205	132	40	other	other	ADJ
fsr-3205	132	41	*	*	PROPN
fsr-3205	132	42	56.9	56.9	NUM
fsr-3205	132	43	36.6	36.6	NUM
fsr-3205	132	44	age	age	NOUN
fsr-3205	132	45	26–35	26–35	NUM
fsr-3205	132	46	*	*	NOUN
fsr-3205	132	47	61.7	61.7	NUM
fsr-3205	132	48	52.0	52.0	NUM
fsr-3205	132	49	36–45	36–45	NUM
fsr-3205	132	50	*	*	NOUN
fsr-3205	132	51	78.7	78.7	NUM
fsr-3205	132	52	67.0	67.0	NUM
fsr-3205	132	53	46–55	46–55	NUM
fsr-3205	132	54	*	*	NOUN
fsr-3205	132	55	75.8	75.8	NUM
fsr-3205	132	56	61.8	61.8	NUM
fsr-3205	132	57	56–67	56–67	NUM
fsr-3205	132	58	*	*	SYM
fsr-3205	132	59	*	*	SYM
fsr-3205	132	60	73.9	73.9	NUM
fsr-3205	132	61	59.4	59.4	NUM
fsr-3205	132	62	education	education	NOUN
fsr-3205	132	63	level	level	NOUN
fsr-3205	132	64	from	from	ADP
fsr-3205	132	65	0	0	NUM
fsr-3205	132	66	to	to	ADP
fsr-3205	132	67	9th	9th	ADJ
fsr-3205	132	68	grade	grade	NOUN
fsr-3205	132	69	*	*	PROPN
fsr-3205	132	70	*	*	PROPN
fsr-3205	132	71	46.8	46.8	NUM
fsr-3205	132	72	44.5	44.5	NUM
fsr-3205	132	73	12th	12th	NOUN
fsr-3205	132	74	grade	grade	NOUN
fsr-3205	132	75	*	*	NOUN
fsr-3205	132	76	72.8	72.8	NUM
fsr-3205	132	77	60.5	60.5	NUM
fsr-3205	132	78	higher	high	ADJ
fsr-3205	132	79	education	education	NOUN
fsr-3205	132	80	*	*	NOUN
fsr-3205	132	81	84.0	84.0	NUM
fsr-3205	132	82	70.5	70.5	NUM
fsr-3205	132	83	attended	attend	VERB
fsr-3205	132	84	some	some	DET
fsr-3205	132	85	kind	kind	NOUN
fsr-3205	132	86	of	of	ADP
fsr-3205	132	87	training	training	NOUN
fsr-3205	132	88	in	in	ADP
fsr-3205	132	89	economics	economic	NOUN
fsr-3205	132	90	or	or	CCONJ
fsr-3205	132	91	finance	finance	NOUN
fsr-3205	133	1	yes	yes	INTJ
fsr-3205	133	2	*	*	NOUN
fsr-3205	134	1	85.6	85.6	NUM
fsr-3205	134	2	73.6	73.6	NUM
fsr-3205	134	3	no	no	NOUN
fsr-3205	134	4	*	*	PROPN
fsr-3205	134	5	73.6	73.6	NUM
fsr-3205	134	6	62.2	62.2	NUM
fsr-3205	134	7	national	national	ADJ
fsr-3205	134	8	qualification	qualification	NOUN
fsr-3205	134	9	levels	level	NOUN
fsr-3205	134	10	1st	1st	PROPN
fsr-3205	134	11	group	group	NOUN
fsr-3205	134	12	:	:	PUNCT
fsr-3205	134	13	legislators	legislator	NOUN
fsr-3205	134	14	,	,	PUNCT
fsr-3205	134	15	senior	senior	ADJ
fsr-3205	134	16	officials	official	NOUN
fsr-3205	134	17	,	,	PUNCT
fsr-3205	134	18	and	and	CCONJ
fsr-3205	134	19	managers	manager	NOUN
fsr-3205	134	20	*	*	PUNCT
fsr-3205	134	21	84.7	84.7	NUM
fsr-3205	134	22	69.2	69.2	NUM
fsr-3205	134	23	2nd	2nd	ADJ
fsr-3205	134	24	group	group	NOUN
fsr-3205	134	25	:	:	PUNCT
fsr-3205	134	26	professionals	professional	NOUN
fsr-3205	134	27	,	,	PUNCT
fsr-3205	134	28	including	include	VERB
fsr-3205	134	29	teaching	teach	VERB
fsr-3205	134	30	professionals	professional	NOUN
fsr-3205	134	31	*	*	NOUN
fsr-3205	134	32	84.2	84.2	NUM
fsr-3205	134	33	71.3	71.3	NUM
fsr-3205	134	34	3rd	3rd	ADJ
fsr-3205	134	35	group	group	NOUN
fsr-3205	134	36	:	:	PUNCT
fsr-3205	134	37	technicians	technician	NOUN
fsr-3205	134	38	and	and	CCONJ
fsr-3205	134	39	associate	associate	ADJ
fsr-3205	134	40	professionals	professional	NOUN
fsr-3205	134	41	*	*	NOUN
fsr-3205	134	42	78.8	78.8	NUM
fsr-3205	134	43	66.0	66.0	NUM
fsr-3205	134	44	4th	4th	ADJ
fsr-3205	134	45	group	group	NOUN
fsr-3205	134	46	:	:	PUNCT
fsr-3205	134	47	administrative	administrative	ADJ
fsr-3205	134	48	staff	staff	NOUN
fsr-3205	134	49	*	*	NOUN
fsr-3205	134	50	78.8	78.8	NUM
fsr-3205	134	51	70.2	70.2	NUM
fsr-3205	134	52	5th	5th	ADJ
fsr-3205	134	53	group	group	NOUN
fsr-3205	134	54	:	:	PUNCT
fsr-3205	134	55	service	service	NOUN
fsr-3205	134	56	workers	worker	NOUN
fsr-3205	134	57	and	and	CCONJ
fsr-3205	134	58	shop	shop	NOUN
fsr-3205	134	59	and	and	CCONJ
fsr-3205	134	60	market	market	NOUN
fsr-3205	134	61	sales	sale	NOUN
fsr-3205	134	62	workers	worker	NOUN
fsr-3205	134	63	*	*	PUNCT
fsr-3205	134	64	65.7	65.7	NUM
fsr-3205	134	65	53.3	53.3	NUM
fsr-3205	134	66	6th	6th	NOUN
fsr-3205	134	67	group	group	NOUN
fsr-3205	134	68	:	:	PUNCT
fsr-3205	134	69	skilled	skilled	ADJ
fsr-3205	134	70	agricultural	agricultural	ADJ
fsr-3205	134	71	workers	worker	NOUN
fsr-3205	134	72	and	and	CCONJ
fsr-3205	134	73	fishery	fishery	NOUN
fsr-3205	134	74	workers	worker	NOUN
fsr-3205	134	75	71.0	71.0	NUM
fsr-3205	134	76	21.8	21.8	NUM
fsr-3205	134	77	7th	7th	ADJ
fsr-3205	134	78	group	group	NOUN
fsr-3205	134	79	:	:	PUNCT
fsr-3205	134	80	craft	craft	NOUN
fsr-3205	134	81	and	and	CCONJ
fsr-3205	134	82	related	relate	VERB
fsr-3205	134	83	trade	trade	NOUN
fsr-3205	134	84	workers	worker	NOUN
fsr-3205	134	85	64.5	64.5	NUM
fsr-3205	134	86	55.3	55.3	NUM
fsr-3205	134	87	8th	8th	ADJ
fsr-3205	134	88	group	group	NOUN
fsr-3205	134	89	:	:	PUNCT
fsr-3205	134	90	plant	plant	NOUN
fsr-3205	134	91	and	and	CCONJ
fsr-3205	134	92	machinery	machinery	NOUN
fsr-3205	134	93	operators	operator	NOUN
fsr-3205	134	94	and	and	CCONJ
fsr-3205	134	95	assemblers	assembler	NOUN
fsr-3205	134	96	27.0	27.0	NUM
fsr-3205	134	97	0.00	0.00	NUM
fsr-3205	134	98	9th	9th	ADJ
fsr-3205	134	99	group	group	NOUN
fsr-3205	134	100	:	:	PUNCT
fsr-3205	134	101	elementary	elementary	ADJ
fsr-3205	134	102	occupations	occupation	NOUN
fsr-3205	134	103	*	*	PUNCT
fsr-3205	134	104	*	*	PROPN
fsr-3205	134	105	47.9	47.9	NUM
fsr-3205	134	106	42.5	42.5	NUM
fsr-3205	134	107	income	income	NOUN
fsr-3205	134	108	�	�	NOUN
fsr-3205	134	109	1,000	1,000	NUM
fsr-3205	134	110	€	€	SYM
fsr-3205	134	111	*	*	NUM
fsr-3205	134	112	61.5	61.5	NUM
fsr-3205	134	113	50.2	50.2	NUM
fsr-3205	134	114	1,001€–2,000	1,001€–2,000	NUM
fsr-3205	134	115	€	€	SYM
fsr-3205	134	116	*	*	NOUN
fsr-3205	134	117	77.4	77.4	NUM
fsr-3205	134	118	65.7	65.7	NUM
fsr-3205	134	119	2,001€–6,000	2,001€–6,000	NUM
fsr-3205	134	120	€	€	SYM
fsr-3205	134	121	*	*	NUM
fsr-3205	134	122	86.3	86.3	NUM
fsr-3205	134	123	74.7	74.7	NUM
fsr-3205	134	124	6,001€–10,000	6,001€–10,000	NUM
fsr-3205	134	125	€	€	SYM
fsr-3205	134	126	94.0	94.0	NUM
fsr-3205	134	127	84.5	84.5	NUM
fsr-3205	134	128	�	�	NOUN
fsr-3205	134	129	10,001	10,001	NUM
fsr-3205	134	130	€	€	SYM
fsr-3205	134	131	95.0	95.0	NUM
fsr-3205	134	132	74.5	74.5	NUM
fsr-3205	134	133	frequently	frequently	ADV
fsr-3205	134	134	follows	follow	VERB
fsr-3205	134	135	economic	economic	ADJ
fsr-3205	134	136	issues	issue	NOUN
fsr-3205	134	137	in	in	ADP
fsr-3205	134	138	the	the	DET
fsr-3205	134	139	media	medium	NOUN
fsr-3205	135	1	yes	yes	INTJ
fsr-3205	135	2	*	*	NOUN
fsr-3205	135	3	80.8	80.8	NUM
fsr-3205	135	4	70.3	70.3	NUM
fsr-3205	136	1	no	no	NOUN
fsr-3205	136	2	*	*	PROPN
fsr-3205	136	3	65.7	65.7	NUM
fsr-3205	136	4	49.3	49.3	NUM
fsr-3205	136	5	to	to	PART
fsr-3205	136	6	understand	understand	VERB
fsr-3205	136	7	political	political	ADJ
fsr-3205	136	8	decisions	decision	NOUN
fsr-3205	136	9	very	very	ADV
fsr-3205	136	10	important	important	ADJ
fsr-3205	136	11	*	*	ADJ
fsr-3205	136	12	83.0	83.0	NUM
fsr-3205	136	13	71.1	71.1	NUM
fsr-3205	136	14	important	important	ADJ
fsr-3205	136	15	*	*	PROPN
fsr-3205	136	16	77.7	77.7	NUM
fsr-3205	136	17	66.6	66.6	NUM
fsr-3205	136	18	not	not	PART
fsr-3205	136	19	very	very	ADV
fsr-3205	136	20	important	important	ADJ
fsr-3205	136	21	*	*	ADJ
fsr-3205	136	22	70.2	70.2	NUM
fsr-3205	136	23	58.7	58.7	NUM
fsr-3205	136	24	not	not	PART
fsr-3205	136	25	important	important	ADJ
fsr-3205	136	26	*	*	NOUN
fsr-3205	136	27	68.4	68.4	NUM
fsr-3205	136	28	52.8	52.8	NUM
fsr-3205	136	29	(	(	PUNCT
fsr-3205	136	30	continued	continue	VERB
fsr-3205	136	31	)	)	PUNCT
fsr-3205	136	32	332	332	NUM
fsr-3205	136	33	c.	c.	PROPN
fsr-3205	136	34	varum	varum	PROPN
fsr-3205	136	35	,	,	PUNCT
fsr-3205	136	36	a.	a.	PROPN
fsr-3205	136	37	kolyban	kolyban	PROPN
fsr-3205	136	38	/	/	SYM
fsr-3205	136	39	financial	financial	ADJ
fsr-3205	136	40	services	service	NOUN
fsr-3205	136	41	review	review	VERB
fsr-3205	136	42	23	23	NUM
fsr-3205	136	43	(	(	PUNCT
fsr-3205	136	44	2014	2014	NUM
fsr-3205	136	45	)	)	PUNCT
fsr-3205	136	46	325–339	325–339	NUM
fsr-3205	136	47	presents	present	VERB
fsr-3205	136	48	the	the	DET
fsr-3205	136	49	econometric	econometric	ADJ
fsr-3205	136	50	results	result	NOUN
fsr-3205	136	51	.	.	PUNCT
fsr-3205	137	1	our	our	PRON
fsr-3205	137	2	dependent	dependent	ADJ
fsr-3205	137	3	variable	variable	NOUN
fsr-3205	137	4	is	be	AUX
fsr-3205	137	5	binary	binary	ADJ
fsr-3205	137	6	;	;	PUNCT
fsr-3205	137	7	therefore	therefore	ADV
fsr-3205	137	8	,	,	PUNCT
fsr-3205	137	9	we	we	PRON
fsr-3205	137	10	will	will	AUX
fsr-3205	137	11	consider	consider	VERB
fsr-3205	137	12	binary	binary	ADJ
fsr-3205	137	13	choice	choice	NOUN
fsr-3205	137	14	models	model	NOUN
fsr-3205	137	15	;	;	PUNCT
fsr-3205	137	16	assuming	assume	VERB
fsr-3205	137	17	a	a	DET
fsr-3205	137	18	homogeneous	homogeneous	ADJ
fsr-3205	137	19	sample	sample	NOUN
fsr-3205	137	20	,	,	PUNCT
fsr-3205	137	21	probit	probit	NOUN
fsr-3205	137	22	estimation	estimation	NOUN
fsr-3205	137	23	tends	tend	VERB
fsr-3205	137	24	to	to	PART
fsr-3205	137	25	be	be	AUX
fsr-3205	137	26	the	the	DET
fsr-3205	137	27	most	most	ADV
fsr-3205	137	28	accurate	accurate	ADJ
fsr-3205	137	29	.	.	PUNCT
fsr-3205	138	1	this	this	DET
fsr-3205	138	2	model	model	NOUN
fsr-3205	138	3	shows	show	VERB
fsr-3205	138	4	no	no	DET
fsr-3205	138	5	evidence	evidence	NOUN
fsr-3205	138	6	of	of	ADP
fsr-3205	138	7	lack	lack	NOUN
fsr-3205	138	8	of	of	ADP
fsr-3205	138	9	fit	fit	NOUN
fsr-3205	138	10	based	base	VERB
fsr-3205	138	11	on	on	ADP
fsr-3205	138	12	the	the	DET
fsr-3205	138	13	hosmerlemeshow	hosmerlemeshow	NOUN
fsr-3205	138	14	statistic	statistic	NOUN
fsr-3205	138	15	.	.	PUNCT
fsr-3205	139	1	in	in	ADP
fsr-3205	139	2	column	column	NOUN
fsr-3205	139	3	1	1	NUM
fsr-3205	139	4	(	(	PUNCT
fsr-3205	139	5	first	first	ADJ
fsr-3205	139	6	-	-	PUNCT
fsr-3205	139	7	stage	stage	NOUN
fsr-3205	139	8	estimation	estimation	NOUN
fsr-3205	139	9	)	)	PUNCT
fsr-3205	139	10	we	we	PRON
fsr-3205	139	11	observe	observe	VERB
fsr-3205	139	12	that	that	SCONJ
fsr-3205	139	13	higher	high	ADJ
fsr-3205	139	14	schooling	schooling	NOUN
fsr-3205	139	15	years	year	NOUN
fsr-3205	139	16	and	and	CCONJ
fsr-3205	139	17	monthly	monthly	ADJ
fsr-3205	139	18	income	income	NOUN
fsr-3205	139	19	also	also	ADV
fsr-3205	139	20	positively	positively	ADV
fsr-3205	139	21	influence	influence	VERB
fsr-3205	139	22	the	the	DET
fsr-3205	139	23	probability	probability	NOUN
fsr-3205	139	24	to	to	PART
fsr-3205	139	25	meet	meet	VERB
fsr-3205	139	26	credits	credit	NOUN
fsr-3205	139	27	;	;	PUNCT
fsr-3205	139	28	furthermore	furthermore	ADV
fsr-3205	139	29	,	,	PUNCT
fsr-3205	139	30	assigning	assign	VERB
fsr-3205	139	31	a	a	DET
fsr-3205	139	32	proportion	proportion	NOUN
fsr-3205	139	33	of	of	ADP
fsr-3205	139	34	the	the	DET
fsr-3205	139	35	disposable	disposable	ADJ
fsr-3205	139	36	income	income	NOUN
fsr-3205	139	37	to	to	ADP
fsr-3205	139	38	saving	save	VERB
fsr-3205	139	39	also	also	ADV
fsr-3205	139	40	increases	increase	VERB
fsr-3205	139	41	the	the	DET
fsr-3205	139	42	probability	probability	NOUN
fsr-3205	139	43	of	of	ADP
fsr-3205	139	44	meeting	meet	VERB
fsr-3205	139	45	credit	credit	NOUN
fsr-3205	139	46	obligations	obligation	NOUN
fsr-3205	139	47	.	.	PUNCT
fsr-3205	140	1	in	in	ADP
fsr-3205	140	2	column	column	NOUN
fsr-3205	140	3	2	2	NUM
fsr-3205	140	4	we	we	PRON
fsr-3205	140	5	infer	infer	VERB
fsr-3205	140	6	that	that	SCONJ
fsr-3205	140	7	higher	high	ADJ
fsr-3205	140	8	schooling	schooling	NOUN
fsr-3205	140	9	levels	level	NOUN
fsr-3205	140	10	,	,	PUNCT
fsr-3205	140	11	higher	high	ADJ
fsr-3205	140	12	monthly	monthly	ADJ
fsr-3205	140	13	income	income	NOUN
fsr-3205	140	14	,	,	PUNCT
fsr-3205	140	15	and	and	CCONJ
fsr-3205	140	16	saving	save	VERB
fsr-3205	140	17	increase	increase	VERB
fsr-3205	140	18	the	the	DET
fsr-3205	140	19	probability	probability	NOUN
fsr-3205	140	20	of	of	ADP
fsr-3205	140	21	meeting	meet	VERB
fsr-3205	140	22	credit	credit	NOUN
fsr-3205	140	23	commitments	commitment	NOUN
fsr-3205	140	24	.	.	PUNCT
fsr-3205	141	1	table	table	NOUN
fsr-3205	141	2	3	3	NUM
fsr-3205	141	3	continued	continue	VERB
fsr-3205	141	4	characteristics	characteristic	NOUN
fsr-3205	141	5	%	%	INTJ
fsr-3205	141	6	correct	correct	ADJ
fsr-3205	141	7	answers	answer	NOUN
fsr-3205	141	8	on	on	ADP
fsr-3205	141	9	economic	economic	ADJ
fsr-3205	141	10	literacy	literacy	NOUN
fsr-3205	141	11	%	%	NOUN
fsr-3205	141	12	correct	correct	ADJ
fsr-3205	141	13	answers	answer	NOUN
fsr-3205	141	14	on	on	ADP
fsr-3205	141	15	financial	financial	ADJ
fsr-3205	141	16	literacy	literacy	NOUN
fsr-3205	141	17	to	to	PART
fsr-3205	141	18	get	get	VERB
fsr-3205	141	19	a	a	DET
fsr-3205	141	20	better	well	ADV
fsr-3205	141	21	paid	pay	VERB
fsr-3205	141	22	job	job	NOUN
fsr-3205	141	23	very	very	ADV
fsr-3205	141	24	important	important	ADJ
fsr-3205	141	25	*	*	ADJ
fsr-3205	141	26	74.8	74.8	NUM
fsr-3205	141	27	63.6	63.6	NUM
fsr-3205	141	28	important	important	ADJ
fsr-3205	141	29	*	*	PROPN
fsr-3205	141	30	76.6	76.6	NUM
fsr-3205	141	31	66.2	66.2	NUM
fsr-3205	141	32	not	not	PART
fsr-3205	141	33	very	very	ADV
fsr-3205	141	34	important	important	ADJ
fsr-3205	141	35	*	*	ADJ
fsr-3205	141	36	79.1	79.1	NUM
fsr-3205	141	37	64.9	64.9	NUM
fsr-3205	141	38	not	not	PART
fsr-3205	141	39	important	important	ADJ
fsr-3205	141	40	*	*	PUNCT
fsr-3205	141	41	68.0	68.0	NUM
fsr-3205	141	42	49.9	49.9	NUM
fsr-3205	141	43	to	to	PART
fsr-3205	141	44	become	become	VERB
fsr-3205	141	45	an	an	DET
fsr-3205	141	46	active	active	ADJ
fsr-3205	141	47	citizen	citizen	NOUN
fsr-3205	141	48	and	and	CCONJ
fsr-3205	141	49	play	play	VERB
fsr-3205	141	50	a	a	DET
fsr-3205	141	51	fuller	full	ADJ
fsr-3205	141	52	part	part	NOUN
fsr-3205	141	53	in	in	ADP
fsr-3205	141	54	society	society	NOUN
fsr-3205	141	55	very	very	ADV
fsr-3205	141	56	important	important	ADJ
fsr-3205	141	57	*	*	PUNCT
fsr-3205	141	58	77.6	77.6	NUM
fsr-3205	141	59	67.7	67.7	NUM
fsr-3205	141	60	important	important	ADJ
fsr-3205	141	61	*	*	PROPN
fsr-3205	141	62	75.9	75.9	NUM
fsr-3205	141	63	64.3	64.3	NUM
fsr-3205	141	64	not	not	PART
fsr-3205	141	65	very	very	ADV
fsr-3205	141	66	important	important	ADJ
fsr-3205	141	67	*	*	ADJ
fsr-3205	141	68	79.0	79.0	NUM
fsr-3205	141	69	62.7	62.7	NUM
fsr-3205	141	70	not	not	PART
fsr-3205	141	71	important	important	ADJ
fsr-3205	141	72	*	*	NOUN
fsr-3205	141	73	66.0	66.0	NUM
fsr-3205	141	74	50.0	50.0	NUM
fsr-3205	141	75	to	to	PART
fsr-3205	141	76	make	make	VERB
fsr-3205	141	77	optimal	optimal	ADJ
fsr-3205	141	78	choices	choice	NOUN
fsr-3205	141	79	about	about	ADP
fsr-3205	141	80	investment	investment	NOUN
fsr-3205	141	81	and	and	CCONJ
fsr-3205	141	82	saving	save	VERB
fsr-3205	141	83	very	very	ADV
fsr-3205	141	84	important	important	ADJ
fsr-3205	141	85	*	*	PUNCT
fsr-3205	141	86	80.9	80.9	NUM
fsr-3205	141	87	69.0	69.0	NUM
fsr-3205	141	88	important	important	ADJ
fsr-3205	141	89	*	*	PROPN
fsr-3205	141	90	69.5	69.5	NUM
fsr-3205	141	91	59.2	59.2	NUM
fsr-3205	141	92	not	not	PART
fsr-3205	141	93	very	very	ADV
fsr-3205	141	94	important	important	ADJ
fsr-3205	141	95	*	*	ADJ
fsr-3205	141	96	58.3	58.3	NUM
fsr-3205	141	97	40.8	40.8	NUM
fsr-3205	141	98	not	not	PART
fsr-3205	141	99	important	important	ADJ
fsr-3205	141	100	*	*	PUNCT
fsr-3205	141	101	41.2	41.2	NUM
fsr-3205	141	102	16.5	16.5	NUM
fsr-3205	141	103	to	to	PART
fsr-3205	141	104	make	make	VERB
fsr-3205	141	105	better	well	ADJ
fsr-3205	141	106	decisions	decision	NOUN
fsr-3205	141	107	on	on	ADP
fsr-3205	141	108	consumption	consumption	NOUN
fsr-3205	141	109	now	now	ADV
fsr-3205	141	110	and	and	CCONJ
fsr-3205	141	111	in	in	ADP
fsr-3205	141	112	the	the	DET
fsr-3205	141	113	future	future	NOUN
fsr-3205	141	114	very	very	ADV
fsr-3205	141	115	important	important	ADJ
fsr-3205	141	116	*	*	NOUN
fsr-3205	141	117	78.8	78.8	NUM
fsr-3205	141	118	67.1	67.1	NUM
fsr-3205	141	119	important	important	ADJ
fsr-3205	141	120	*	*	PROPN
fsr-3205	141	121	76.0	76.0	NUM
fsr-3205	141	122	64.5	64.5	NUM
fsr-3205	141	123	not	not	PART
fsr-3205	141	124	very	very	ADV
fsr-3205	141	125	important	important	ADJ
fsr-3205	141	126	*	*	ADJ
fsr-3205	141	127	72.8	72.8	NUM
fsr-3205	141	128	58.2	58.2	NUM
fsr-3205	141	129	not	not	PART
fsr-3205	141	130	important	important	ADJ
fsr-3205	141	131	*	*	NOUN
fsr-3205	141	132	42.8	42.8	NUM
fsr-3205	141	133	21.9	21.9	NUM
fsr-3205	141	134	to	to	PART
fsr-3205	141	135	make	make	VERB
fsr-3205	141	136	optimal	optimal	ADJ
fsr-3205	141	137	choices	choice	NOUN
fsr-3205	141	138	about	about	ADP
fsr-3205	141	139	loans	loan	NOUN
fsr-3205	141	140	or	or	CCONJ
fsr-3205	141	141	credits	credit	NOUN
fsr-3205	141	142	very	very	ADV
fsr-3205	141	143	important	important	ADJ
fsr-3205	141	144	*	*	PUNCT
fsr-3205	141	145	80.6	80.6	NUM
fsr-3205	141	146	68.5	68.5	NUM
fsr-3205	141	147	important	important	ADJ
fsr-3205	141	148	*	*	NUM
fsr-3205	141	149	72.7	72.7	NUM
fsr-3205	141	150	62.3	62.3	NUM
fsr-3205	141	151	not	not	PART
fsr-3205	141	152	very	very	ADV
fsr-3205	141	153	important	important	ADJ
fsr-3205	141	154	*	*	ADJ
fsr-3205	141	155	*	*	PROPN
fsr-3205	141	156	61.4	61.4	NUM
fsr-3205	141	157	49.9	49.9	NUM
fsr-3205	141	158	not	not	PART
fsr-3205	141	159	important	important	ADJ
fsr-3205	141	160	*	*	PUNCT
fsr-3205	141	161	45.4	45.4	NUM
fsr-3205	141	162	15.5	15.5	NUM
fsr-3205	141	163	to	to	PART
fsr-3205	141	164	improve	improve	VERB
fsr-3205	141	165	my	my	PRON
fsr-3205	141	166	wealth	wealth	NOUN
fsr-3205	141	167	and	and	CCONJ
fsr-3205	141	168	well	well	ADV
fsr-3205	141	169	-	-	PUNCT
fsr-3205	141	170	being	be	AUX
fsr-3205	141	171	very	very	ADV
fsr-3205	141	172	important	important	ADJ
fsr-3205	141	173	*	*	ADJ
fsr-3205	141	174	77.7	77.7	NUM
fsr-3205	141	175	65.8	65.8	NUM
fsr-3205	141	176	important	important	ADJ
fsr-3205	141	177	*	*	NOUN
fsr-3205	141	178	77.5	77.5	NUM
fsr-3205	141	179	66.2	66.2	NUM
fsr-3205	141	180	not	not	PART
fsr-3205	141	181	very	very	ADV
fsr-3205	141	182	important	important	ADJ
fsr-3205	141	183	*	*	PUNCT
fsr-3205	141	184	74.9	74.9	NUM
fsr-3205	141	185	63.0	63.0	NUM
fsr-3205	141	186	not	not	PART
fsr-3205	141	187	important	important	ADJ
fsr-3205	141	188	*	*	NOUN
fsr-3205	141	189	55.4	55.4	NUM
fsr-3205	141	190	34.7	34.7	NUM
fsr-3205	141	191	are	be	AUX
fsr-3205	141	192	you	you	PRON
fsr-3205	141	193	able	able	ADJ
fsr-3205	141	194	to	to	PART
fsr-3205	141	195	save	save	VERB
fsr-3205	141	196	some	some	DET
fsr-3205	141	197	money	money	NOUN
fsr-3205	141	198	?	?	PUNCT
fsr-3205	142	1	yes	yes	INTJ
fsr-3205	142	2	*	*	PUNCT
fsr-3205	142	3	81.8	81.8	NUM
fsr-3205	142	4	69.2	69.2	NUM
fsr-3205	142	5	no	no	NOUN
fsr-3205	142	6	*	*	PROPN
fsr-3205	142	7	69.2	69.2	NUM
fsr-3205	142	8	58.8	58.8	NUM
fsr-3205	142	9	save	save	VERB
fsr-3205	142	10	to	to	PART
fsr-3205	142	11	acquire	acquire	VERB
fsr-3205	142	12	durable	durable	ADJ
fsr-3205	142	13	goods	good	NOUN
fsr-3205	142	14	save	save	VERB
fsr-3205	142	15	*	*	PUNCT
fsr-3205	142	16	78.6	78.6	NUM
fsr-3205	142	17	65.9	65.9	NUM
fsr-3205	142	18	do	do	AUX
fsr-3205	142	19	not	not	PART
fsr-3205	142	20	*	*	VERB
fsr-3205	142	21	74.7	74.7	NUM
fsr-3205	142	22	63.8	63.8	NUM
fsr-3205	142	23	retirement	retirement	NOUN
fsr-3205	142	24	savings	saving	NOUN
fsr-3205	142	25	save	save	VERB
fsr-3205	142	26	*	*	PUNCT
fsr-3205	142	27	78.7	78.7	NUM
fsr-3205	142	28	67.5	67.5	NUM
fsr-3205	142	29	do	do	VERB
fsr-3205	142	30	not	not	PART
fsr-3205	142	31	*	*	VERB
fsr-3205	142	32	75.5	75.5	NUM
fsr-3205	142	33	63.3	63.3	NUM
fsr-3205	142	34	note	note	NOUN
fsr-3205	142	35	.	.	PUNCT
fsr-3205	143	1	we	we	PRON
fsr-3205	143	2	calculate	calculate	VERB
fsr-3205	143	3	an	an	DET
fsr-3205	143	4	average	average	ADJ
fsr-3205	143	5	percentage	percentage	NOUN
fsr-3205	143	6	of	of	ADP
fsr-3205	143	7	economic	economic	ADJ
fsr-3205	143	8	and	and	CCONJ
fsr-3205	143	9	financial	financial	ADJ
fsr-3205	143	10	literacies	literacy	NOUN
fsr-3205	143	11	for	for	ADP
fsr-3205	143	12	each	each	DET
fsr-3205	143	13	category	category	NOUN
fsr-3205	143	14	of	of	ADP
fsr-3205	143	15	explanatory	explanatory	ADJ
fsr-3205	143	16	variables	variable	NOUN
fsr-3205	143	17	.	.	PUNCT
fsr-3205	144	1	maximum	maximum	ADJ
fsr-3205	144	2	score	score	NOUN
fsr-3205	144	3	is	be	AUX
fsr-3205	144	4	100	100	NUM
fsr-3205	144	5	%	%	NOUN
fsr-3205	144	6	.	.	PUNCT
fsr-3205	145	1	moreover	moreover	ADV
fsr-3205	145	2	,	,	PUNCT
fsr-3205	145	3	we	we	PRON
fsr-3205	145	4	use	use	VERB
fsr-3205	145	5	paired	pair	VERB
fsr-3205	145	6	t	t	NOUN
fsr-3205	145	7	-	-	PUNCT
fsr-3205	145	8	test	test	NOUN
fsr-3205	145	9	to	to	PART
fsr-3205	145	10	compare	compare	VERB
fsr-3205	145	11	financial	financial	ADJ
fsr-3205	145	12	and	and	CCONJ
fsr-3205	145	13	economic	economic	ADJ
fsr-3205	145	14	literacy	literacy	NOUN
fsr-3205	145	15	scores	score	NOUN
fsr-3205	145	16	.	.	PUNCT
fsr-3205	146	1	*	*	PUNCT
fsr-3205	146	2	1	1	NUM
fsr-3205	146	3	%	%	NOUN
fsr-3205	146	4	significance	significance	NOUN
fsr-3205	146	5	level	level	NOUN
fsr-3205	146	6	;	;	PUNCT
fsr-3205	146	7	*	*	PUNCT
fsr-3205	146	8	*	*	PUNCT
fsr-3205	146	9	5	5	NUM
fsr-3205	146	10	%	%	NOUN
fsr-3205	146	11	significance	significance	NOUN
fsr-3205	146	12	level	level	NOUN
fsr-3205	146	13	.	.	PUNCT
fsr-3205	147	1	333c	333c	NOUN
fsr-3205	147	2	.	.	PUNCT
fsr-3205	148	1	varum	varum	PROPN
fsr-3205	148	2	,	,	PUNCT
fsr-3205	148	3	a.	a.	PROPN
fsr-3205	148	4	kolyban	kolyban	PROPN
fsr-3205	148	5	/	/	SYM
fsr-3205	148	6	financial	financial	ADJ
fsr-3205	148	7	services	service	NOUN
fsr-3205	148	8	review	review	VERB
fsr-3205	148	9	23	23	NUM
fsr-3205	148	10	(	(	PUNCT
fsr-3205	148	11	2014	2014	NUM
fsr-3205	148	12	)	)	PUNCT
fsr-3205	149	1	325–339	325–339	NUM
fsr-3205	149	2	column	column	NOUN
fsr-3205	149	3	3	3	NUM
fsr-3205	149	4	shows	show	VERB
fsr-3205	149	5	that	that	SCONJ
fsr-3205	149	6	financial	financial	ADJ
fsr-3205	149	7	knowledge	knowledge	NOUN
fsr-3205	149	8	,	,	PUNCT
fsr-3205	149	9	higher	high	ADJ
fsr-3205	149	10	schooling	schooling	NOUN
fsr-3205	149	11	levels	level	NOUN
fsr-3205	149	12	,	,	PUNCT
fsr-3205	149	13	higher	high	ADJ
fsr-3205	149	14	saving	saving	NOUN
fsr-3205	149	15	increase	increase	VERB
fsr-3205	149	16	the	the	DET
fsr-3205	149	17	probability	probability	NOUN
fsr-3205	149	18	of	of	ADP
fsr-3205	149	19	meeting	meeting	NOUN
fsr-3205	149	20	contracts	contract	NOUN
fsr-3205	149	21	.	.	PUNCT
fsr-3205	150	1	we	we	PRON
fsr-3205	150	2	find	find	VERB
fsr-3205	150	3	that	that	SCONJ
fsr-3205	150	4	financial	financial	ADJ
fsr-3205	150	5	literacy	literacy	NOUN
fsr-3205	150	6	shows	show	VERB
fsr-3205	150	7	a	a	DET
fsr-3205	150	8	very	very	ADV
fsr-3205	150	9	strong	strong	ADJ
fsr-3205	150	10	inverse	inverse	NOUN
fsr-3205	150	11	relationship	relationship	NOUN
fsr-3205	150	12	with	with	ADP
fsr-3205	150	13	overindebtedness	overindebtedness	NOUN
fsr-3205	150	14	.	.	PUNCT
fsr-3205	151	1	those	those	PRON
fsr-3205	151	2	who	who	PRON
fsr-3205	151	3	report	report	VERB
fsr-3205	151	4	higher	high	ADJ
fsr-3205	151	5	levels	level	NOUN
fsr-3205	151	6	of	of	ADP
fsr-3205	151	7	financial	financial	ADJ
fsr-3205	151	8	literacy	literacy	NOUN
fsr-3205	151	9	are	be	AUX
fsr-3205	151	10	more	more	ADV
fsr-3205	151	11	likely	likely	ADJ
fsr-3205	151	12	to	to	PART
fsr-3205	151	13	belong	belong	VERB
fsr-3205	151	14	to	to	ADP
fsr-3205	151	15	the	the	DET
fsr-3205	151	16	group	group	NOUN
fsr-3205	151	17	who	who	PRON
fsr-3205	151	18	report	report	VERB
fsr-3205	151	19	having	have	VERB
fsr-3205	151	20	no	no	DET
fsr-3205	151	21	difficulties	difficulty	NOUN
fsr-3205	151	22	paying	pay	VERB
fsr-3205	151	23	off	off	ADP
fsr-3205	151	24	debt	debt	NOUN
fsr-3205	151	25	.	.	PUNCT
fsr-3205	152	1	the	the	DET
fsr-3205	152	2	effect	effect	NOUN
fsr-3205	152	3	is	be	AUX
fsr-3205	152	4	not	not	PART
fsr-3205	152	5	only	only	ADV
fsr-3205	152	6	sizable	sizable	ADJ
fsr-3205	152	7	,	,	PUNCT
fsr-3205	152	8	but	but	CCONJ
fsr-3205	152	9	it	it	PRON
fsr-3205	152	10	also	also	ADV
fsr-3205	152	11	increases	increase	VERB
fsr-3205	152	12	with	with	ADP
fsr-3205	152	13	higher	high	ADJ
fsr-3205	152	14	scores	score	NOUN
fsr-3205	152	15	for	for	ADP
fsr-3205	152	16	self	self	NOUN
fsr-3205	152	17	-	-	PUNCT
fsr-3205	152	18	assessed	assess	VERB
fsr-3205	152	19	literacy	literacy	NOUN
fsr-3205	152	20	.	.	PUNCT
fsr-3205	153	1	conversely	conversely	ADV
fsr-3205	153	2	,	,	PUNCT
fsr-3205	153	3	those	those	PRON
fsr-3205	153	4	who	who	PRON
fsr-3205	153	5	are	be	AUX
fsr-3205	153	6	less	less	ADV
fsr-3205	153	7	literate	literate	ADJ
fsr-3205	153	8	are	be	AUX
fsr-3205	153	9	much	much	ADV
fsr-3205	153	10	more	more	ADV
fsr-3205	153	11	likely	likely	ADJ
fsr-3205	153	12	to	to	PART
fsr-3205	153	13	report	report	VERB
fsr-3205	153	14	having	have	VERB
fsr-3205	153	15	difficulties	difficulty	NOUN
fsr-3205	153	16	with	with	ADP
fsr-3205	153	17	debt	debt	NOUN
fsr-3205	153	18	and	and	CCONJ
fsr-3205	153	19	there	there	PRON
fsr-3205	153	20	is	be	VERB
fsr-3205	153	21	an	an	DET
fsr-3205	153	22	inverse	inverse	NOUN
fsr-3205	153	23	relationship	relationship	NOUN
fsr-3205	153	24	between	between	ADP
fsr-3205	153	25	financial	financial	ADJ
fsr-3205	153	26	literacy	literacy	NOUN
fsr-3205	153	27	and	and	CCONJ
fsr-3205	153	28	too	too	ADV
fsr-3205	153	29	much	much	ADJ
fsr-3205	153	30	debt	debt	NOUN
fsr-3205	153	31	.	.	PUNCT
fsr-3205	154	1	although	although	SCONJ
fsr-3205	154	2	the	the	DET
fsr-3205	154	3	estimates	estimate	NOUN
fsr-3205	154	4	are	be	AUX
fsr-3205	154	5	less	less	ADV
fsr-3205	154	6	sizable	sizable	ADJ
fsr-3205	154	7	than	than	ADP
fsr-3205	154	8	for	for	ADP
fsr-3205	154	9	those	those	PRON
fsr-3205	154	10	who	who	PRON
fsr-3205	154	11	may	may	AUX
fsr-3205	154	12	have	have	VERB
fsr-3205	154	13	difficulties	difficulty	NOUN
fsr-3205	154	14	with	with	ADP
fsr-3205	154	15	debt	debt	NOUN
fsr-3205	154	16	,	,	PUNCT
fsr-3205	154	17	the	the	DET
fsr-3205	154	18	unsure	unsure	NOUN
fsr-3205	154	19	also	also	ADV
fsr-3205	154	20	are	be	AUX
fsr-3205	154	21	much	much	ADV
fsr-3205	154	22	less	less	ADV
fsr-3205	154	23	likely	likely	ADJ
fsr-3205	154	24	to	to	PART
fsr-3205	154	25	display	display	VERB
fsr-3205	154	26	high	high	ADJ
fsr-3205	154	27	levels	level	NOUN
fsr-3205	154	28	of	of	ADP
fsr-3205	154	29	literacy	literacy	NOUN
fsr-3205	154	30	.	.	PUNCT
fsr-3205	155	1	these	these	DET
fsr-3205	155	2	results	result	NOUN
fsr-3205	155	3	are	be	AUX
fsr-3205	155	4	consistent	consistent	ADJ
fsr-3205	155	5	with	with	ADP
fsr-3205	155	6	results	result	NOUN
fsr-3205	155	7	of	of	ADP
fsr-3205	155	8	gerardi	gerardi	NOUN
fsr-3205	155	9	,	,	PUNCT
fsr-3205	155	10	goette	goette	NOUN
fsr-3205	155	11	,	,	PUNCT
fsr-3205	155	12	and	and	CCONJ
fsr-3205	155	13	meier	meier	PROPN
fsr-3205	155	14	(	(	PUNCT
fsr-3205	155	15	2010	2010	NUM
fsr-3205	155	16	)	)	PUNCT
fsr-3205	155	17	,	,	PUNCT
fsr-3205	155	18	which	which	PRON
fsr-3205	155	19	show	show	VERB
fsr-3205	155	20	significant	significant	ADJ
fsr-3205	155	21	correlation	correlation	NOUN
fsr-3205	155	22	between	between	ADP
fsr-3205	155	23	mortgage	mortgage	NOUN
fsr-3205	155	24	delinquency	delinquency	NOUN
fsr-3205	155	25	and	and	CCONJ
fsr-3205	155	26	numerical	numerical	ADJ
fsr-3205	155	27	ability	ability	NOUN
fsr-3205	155	28	.	.	PUNCT
fsr-3205	156	1	mortgage	mortgage	NOUN
fsr-3205	156	2	delinquency	delinquency	NOUN
fsr-3205	156	3	table	table	NOUN
fsr-3205	156	4	4	4	NUM
fsr-3205	156	5	capacity	capacity	NOUN
fsr-3205	156	6	to	to	PART
fsr-3205	156	7	pay	pay	VERB
fsr-3205	156	8	credits	credit	NOUN
fsr-3205	156	9	and	and	CCONJ
fsr-3205	156	10	economic	economic	ADJ
fsr-3205	156	11	and/or	and/or	CCONJ
fsr-3205	156	12	financial	financial	ADJ
fsr-3205	156	13	literacy	literacy	NOUN
fsr-3205	156	14	characteristics	characteristic	NOUN
fsr-3205	156	15	%	%	INTJ
fsr-3205	156	16	correct	correct	ADJ
fsr-3205	156	17	answers	answer	NOUN
fsr-3205	156	18	on	on	ADP
fsr-3205	156	19	economic	economic	ADJ
fsr-3205	156	20	or	or	CCONJ
fsr-3205	156	21	financial	financial	ADJ
fsr-3205	156	22	literacy	literacy	NOUN
fsr-3205	156	23	%	%	NOUN
fsr-3205	156	24	correct	correct	ADJ
fsr-3205	156	25	answers	answer	NOUN
fsr-3205	156	26	on	on	ADP
fsr-3205	156	27	economic	economic	ADJ
fsr-3205	156	28	literacy	literacy	NOUN
fsr-3205	156	29	%	%	NOUN
fsr-3205	156	30	correct	correct	ADJ
fsr-3205	156	31	answers	answer	NOUN
fsr-3205	156	32	on	on	ADP
fsr-3205	156	33	financial	financial	ADJ
fsr-3205	156	34	literacy	literacy	NOUN
fsr-3205	156	35	meet	meet	VERB
fsr-3205	156	36	credits	credit	NOUN
fsr-3205	156	37	77.99	77.99	NUM
fsr-3205	156	38	80.82	80.82	NUM
fsr-3205	156	39	69.07	69.07	NUM
fsr-3205	156	40	over	over	ADP
fsr-3205	156	41	-	-	PUNCT
fsr-3205	156	42	indebted	indebte	VERB
fsr-3205	156	43	65.30	65.30	NUM
fsr-3205	156	44	68.47	68.47	NUM
fsr-3205	156	45	55.31	55.31	NUM
fsr-3205	156	46	f	f	X
fsr-3205	156	47	-	-	PUNCT
fsr-3205	156	48	test	test	NOUN
fsr-3205	156	49	50.54	50.54	NUM
fsr-3205	156	50	44.70	44.70	NUM
fsr-3205	156	51	39.25	39.25	NUM
fsr-3205	156	52	p	p	NOUN
fsr-3205	156	53	-	-	PUNCT
fsr-3205	156	54	value	value	NOUN
fsr-3205	156	55	0.00	0.00	NUM
fsr-3205	156	56	0.00	0.00	NUM
fsr-3205	156	57	0.00	0.00	NUM
fsr-3205	156	58	note	note	NOUN
fsr-3205	156	59	.	.	PUNCT
fsr-3205	157	1	we	we	PRON
fsr-3205	157	2	use	use	VERB
fsr-3205	157	3	one	one	NUM
fsr-3205	157	4	-	-	PUNCT
fsr-3205	157	5	way	way	NOUN
fsr-3205	157	6	analysis	analysis	NOUN
fsr-3205	157	7	of	of	ADP
fsr-3205	157	8	variance	variance	NOUN
fsr-3205	157	9	to	to	PART
fsr-3205	157	10	test	test	VERB
fsr-3205	157	11	the	the	DET
fsr-3205	157	12	hypothesis	hypothesis	NOUN
fsr-3205	157	13	that	that	PRON
fsr-3205	157	14	the	the	DET
fsr-3205	157	15	means	mean	NOUN
fsr-3205	157	16	of	of	ADP
fsr-3205	157	17	economic	economic	ADJ
fsr-3205	157	18	and/or	and/or	CCONJ
fsr-3205	157	19	financial	financial	ADJ
fsr-3205	157	20	literacy	literacy	NOUN
fsr-3205	157	21	score	score	NOUN
fsr-3205	157	22	among	among	ADP
fsr-3205	157	23	two	two	NUM
fsr-3205	157	24	groups	group	NOUN
fsr-3205	157	25	are	be	AUX
fsr-3205	157	26	equal	equal	ADJ
fsr-3205	157	27	.	.	PUNCT
fsr-3205	158	1	the	the	DET
fsr-3205	158	2	first	first	ADJ
fsr-3205	158	3	group	group	NOUN
fsr-3205	158	4	represents	represent	VERB
fsr-3205	158	5	respondents	respondent	NOUN
fsr-3205	158	6	,	,	PUNCT
fsr-3205	158	7	who	who	PRON
fsr-3205	158	8	can	can	AUX
fsr-3205	158	9	meet	meet	VERB
fsr-3205	158	10	credits	credit	NOUN
fsr-3205	158	11	and	and	CCONJ
fsr-3205	158	12	second	second	ADJ
fsr-3205	158	13	who	who	PRON
fsr-3205	158	14	are	be	AUX
fsr-3205	158	15	over	over	ADV
fsr-3205	158	16	-	-	PUNCT
fsr-3205	158	17	indebted	indebted	ADJ
fsr-3205	158	18	.	.	PUNCT
fsr-3205	159	1	table	table	NOUN
fsr-3205	159	2	5	5	NUM
fsr-3205	159	3	capacity	capacity	NOUN
fsr-3205	159	4	to	to	PART
fsr-3205	159	5	pay	pay	VERB
fsr-3205	159	6	credits	credit	NOUN
fsr-3205	159	7	across	across	ADP
fsr-3205	159	8	demographic	demographic	ADJ
fsr-3205	159	9	characteristics	characteristic	NOUN
fsr-3205	159	10	characteristics	characteristic	NOUN
fsr-3205	159	11	%	%	NOUN
fsr-3205	159	12	of	of	ADP
fsr-3205	159	13	respondents	respondent	NOUN
fsr-3205	159	14	who	who	PRON
fsr-3205	159	15	are	be	AUX
fsr-3205	159	16	able	able	ADJ
fsr-3205	159	17	to	to	PART
fsr-3205	159	18	pay	pay	VERB
fsr-3205	159	19	credits	credit	NOUN
fsr-3205	159	20	%	%	NOUN
fsr-3205	159	21	of	of	ADP
fsr-3205	159	22	over	over	ADP
fsr-3205	159	23	indebted	indebted	ADJ
fsr-3205	159	24	respondents	respondent	NOUN
fsr-3205	159	25	gender	gender	NOUN
fsr-3205	159	26	male	male	NOUN
fsr-3205	159	27	81.88	81.88	NUM
fsr-3205	159	28	18.13	18.13	NUM
fsr-3205	159	29	female	female	ADJ
fsr-3205	159	30	74.12	74.12	NUM
fsr-3205	159	31	25.88	25.88	NUM
fsr-3205	159	32	pearson	pearson	PROPN
fsr-3205	159	33	’s	’s	PART
fsr-3205	159	34	�	�	PROPN
fsr-3205	159	35	2(1	2(1	NUM
fsr-3205	159	36	)	)	PUNCT
fsr-3205	159	37	3.73	3.73	NUM
fsr-3205	159	38	p	p	NOUN
fsr-3205	159	39	-	-	PUNCT
fsr-3205	159	40	value	value	NOUN
fsr-3205	159	41	0.05	0.05	NUM
fsr-3205	159	42	nationality	nationality	NOUN
fsr-3205	159	43	portuguese	portuguese	NOUN
fsr-3205	159	44	77.47	77.47	NUM
fsr-3205	159	45	22.53	22.53	NUM
fsr-3205	159	46	other	other	ADJ
fsr-3205	159	47	60.71	60.71	NUM
fsr-3205	159	48	39.29	39.29	NUM
fsr-3205	159	49	pearson	pearson	PROPN
fsr-3205	159	50	’s	’s	PART
fsr-3205	159	51	�	�	PROPN
fsr-3205	159	52	2(1	2(1	NUM
fsr-3205	159	53	)	)	PUNCT
fsr-3205	159	54	4.15	4.15	NUM
fsr-3205	159	55	p	p	NOUN
fsr-3205	159	56	-	-	PUNCT
fsr-3205	159	57	value	value	NOUN
fsr-3205	159	58	0.04	0.04	NUM
fsr-3205	159	59	education	education	NOUN
fsr-3205	159	60	from	from	ADP
fsr-3205	159	61	0	0	NUM
fsr-3205	159	62	to	to	ADP
fsr-3205	159	63	9th	9th	ADJ
fsr-3205	159	64	grade	grade	NOUN
fsr-3205	159	65	46.05	46.05	NUM
fsr-3205	159	66	53.95	53.95	NUM
fsr-3205	159	67	12th	12th	NOUN
fsr-3205	159	68	grade	grade	NOUN
fsr-3205	159	69	74.05	74.05	NUM
fsr-3205	159	70	25.95	25.95	NUM
fsr-3205	159	71	higher	high	ADJ
fsr-3205	159	72	education	education	NOUN
fsr-3205	159	73	84.83	84.83	NUM
fsr-3205	159	74	15.17	15.17	NUM
fsr-3205	159	75	pearson	pearson	PROPN
fsr-3205	159	76	’s	’s	PART
fsr-3205	159	77	�	�	PROPN
fsr-3205	159	78	2(2	2(2	NUM
fsr-3205	159	79	)	)	PUNCT
fsr-3205	159	80	52.25	52.25	NUM
fsr-3205	159	81	p	p	NOUN
fsr-3205	159	82	-	-	PUNCT
fsr-3205	159	83	value	value	NOUN
fsr-3205	159	84	0.000	0.000	NUM
fsr-3205	159	85	note	note	NOUN
fsr-3205	159	86	.	.	PUNCT
fsr-3205	160	1	we	we	PRON
fsr-3205	160	2	use	use	VERB
fsr-3205	160	3	�	�	PROPN
fsr-3205	160	4	2	2	NUM
fsr-3205	160	5	test	test	NOUN
fsr-3205	160	6	of	of	ADP
fsr-3205	160	7	association	association	NOUN
fsr-3205	160	8	to	to	PART
fsr-3205	160	9	establish	establish	VERB
fsr-3205	160	10	relationship	relationship	NOUN
fsr-3205	160	11	between	between	ADP
fsr-3205	160	12	capacity	capacity	NOUN
fsr-3205	160	13	to	to	PART
fsr-3205	160	14	meet	meet	VERB
fsr-3205	160	15	credits	credit	NOUN
fsr-3205	160	16	and	and	CCONJ
fsr-3205	160	17	demographic	demographic	ADJ
fsr-3205	160	18	factors	factor	NOUN
fsr-3205	160	19	.	.	PUNCT
fsr-3205	161	1	334	334	NUM
fsr-3205	161	2	c.	c.	PROPN
fsr-3205	161	3	varum	varum	PROPN
fsr-3205	161	4	,	,	PUNCT
fsr-3205	161	5	a.	a.	PROPN
fsr-3205	161	6	kolyban	kolyban	PROPN
fsr-3205	161	7	/	/	SYM
fsr-3205	161	8	financial	financial	ADJ
fsr-3205	161	9	services	service	NOUN
fsr-3205	161	10	review	review	VERB
fsr-3205	161	11	23	23	NUM
fsr-3205	161	12	(	(	PUNCT
fsr-3205	161	13	2014	2014	NUM
fsr-3205	161	14	)	)	PUNCT
fsr-3205	162	1	325–339	325–339	NUM
fsr-3205	162	2	rates	rate	NOUN
fsr-3205	162	3	are	be	AUX
fsr-3205	162	4	greater	great	ADJ
fsr-3205	162	5	among	among	ADP
fsr-3205	162	6	borrowers	borrower	NOUN
fsr-3205	162	7	with	with	ADP
fsr-3205	162	8	lower	low	ADJ
fsr-3205	162	9	financial	financial	ADJ
fsr-3205	162	10	literacy	literacy	NOUN
fsr-3205	162	11	.	.	PUNCT
fsr-3205	163	1	demographic	demographic	ADJ
fsr-3205	163	2	variables	variable	NOUN
fsr-3205	163	3	are	be	AUX
fsr-3205	163	4	correlated	correlate	VERB
fsr-3205	163	5	to	to	ADP
fsr-3205	163	6	debt	debt	NOUN
fsr-3205	163	7	loads	load	NOUN
fsr-3205	163	8	as	as	ADV
fsr-3205	163	9	well	well	ADV
fsr-3205	163	10	.	.	PUNCT
fsr-3205	164	1	those	those	PRON
fsr-3205	164	2	who	who	PRON
fsr-3205	164	3	are	be	AUX
fsr-3205	164	4	employed	employ	VERB
fsr-3205	164	5	and	and	CCONJ
fsr-3205	164	6	have	have	VERB
fsr-3205	164	7	higher	high	ADJ
fsr-3205	164	8	income	income	NOUN
fsr-3205	164	9	and	and	CCONJ
fsr-3205	164	10	higher	high	ADJ
fsr-3205	164	11	wealth	wealth	NOUN
fsr-3205	164	12	are	be	AUX
fsr-3205	164	13	much	much	ADV
fsr-3205	164	14	more	more	ADV
fsr-3205	164	15	likely	likely	ADJ
fsr-3205	164	16	to	to	PART
fsr-3205	164	17	report	report	VERB
fsr-3205	164	18	they	they	PRON
fsr-3205	164	19	have	have	VERB
fsr-3205	164	20	the	the	DET
fsr-3205	164	21	appropriate	appropriate	ADJ
fsr-3205	164	22	amount	amount	NOUN
fsr-3205	164	23	of	of	ADP
fsr-3205	164	24	debt	debt	NOUN
fsr-3205	164	25	.	.	PUNCT
fsr-3205	165	1	finally	finally	ADV
fsr-3205	165	2	,	,	PUNCT
fsr-3205	165	3	women	woman	NOUN
fsr-3205	165	4	,	,	PUNCT
fsr-3205	165	5	and	and	CCONJ
fsr-3205	165	6	those	those	PRON
fsr-3205	165	7	with	with	ADP
fsr-3205	165	8	low	low	ADJ
fsr-3205	165	9	income	income	NOUN
fsr-3205	165	10	and	and	CCONJ
fsr-3205	165	11	wealth	wealth	NOUN
fsr-3205	165	12	are	be	AUX
fsr-3205	165	13	more	more	ADV
fsr-3205	165	14	likely	likely	ADJ
fsr-3205	165	15	to	to	PART
fsr-3205	165	16	be	be	AUX
fsr-3205	165	17	unable	unable	ADJ
fsr-3205	165	18	to	to	PART
fsr-3205	165	19	judge	judge	VERB
fsr-3205	165	20	their	their	PRON
fsr-3205	165	21	debt	debt	NOUN
fsr-3205	165	22	load	load	NOUN
fsr-3205	165	23	.	.	PUNCT
fsr-3205	166	1	monthly	monthly	ADJ
fsr-3205	166	2	income	income	NOUN
fsr-3205	166	3	is	be	AUX
fsr-3205	166	4	likely	likely	ADJ
fsr-3205	166	5	to	to	PART
fsr-3205	166	6	influence	influence	VERB
fsr-3205	166	7	the	the	DET
fsr-3205	166	8	ability	ability	NOUN
fsr-3205	166	9	to	to	PART
fsr-3205	166	10	meet	meet	VERB
fsr-3205	166	11	debt	debt	NOUN
fsr-3205	166	12	.	.	PUNCT
fsr-3205	167	1	we	we	PRON
fsr-3205	167	2	explore	explore	VERB
fsr-3205	167	3	what	what	PRON
fsr-3205	167	4	determines	determine	VERB
fsr-3205	167	5	asymmetries	asymmetry	NOUN
fsr-3205	167	6	of	of	ADP
fsr-3205	167	7	income	income	NOUN
fsr-3205	167	8	among	among	ADP
fsr-3205	167	9	families	family	NOUN
fsr-3205	167	10	,	,	PUNCT
fsr-3205	167	11	and	and	CCONJ
fsr-3205	167	12	investigates	investigate	VERB
fsr-3205	167	13	the	the	DET
fsr-3205	167	14	effect	effect	NOUN
fsr-3205	167	15	of	of	ADP
fsr-3205	167	16	economic	economic	ADJ
fsr-3205	167	17	knowledge	knowledge	NOUN
fsr-3205	167	18	.	.	PUNCT
fsr-3205	168	1	the	the	DET
fsr-3205	168	2	relationship	relationship	NOUN
fsr-3205	168	3	between	between	ADP
fsr-3205	168	4	monthly	monthly	ADJ
fsr-3205	168	5	household	household	NOUN
fsr-3205	168	6	income	income	NOUN
fsr-3205	168	7	and	and	CCONJ
fsr-3205	168	8	economic	economic	ADJ
fsr-3205	168	9	and/or	and/or	CCONJ
fsr-3205	168	10	financial	financial	ADJ
fsr-3205	168	11	literacy	literacy	NOUN
fsr-3205	168	12	is	be	AUX
fsr-3205	168	13	confirmed	confirm	VERB
fsr-3205	168	14	in	in	ADP
fsr-3205	168	15	ols	ol	NOUN
fsr-3205	168	16	regression	regression	NOUN
fsr-3205	168	17	analysis	analysis	NOUN
fsr-3205	168	18	including	include	VERB
fsr-3205	168	19	the	the	DET
fsr-3205	168	20	same	same	ADJ
fsr-3205	168	21	explanatory	explanatory	ADJ
fsr-3205	168	22	variables	variable	NOUN
fsr-3205	168	23	as	as	SCONJ
fsr-3205	168	24	used	use	VERB
fsr-3205	168	25	previously	previously	ADV
fsr-3205	168	26	(	(	PUNCT
fsr-3205	168	27	see	see	VERB
fsr-3205	168	28	table	table	NOUN
fsr-3205	168	29	8)	8)	NUM
fsr-3205	168	30	.	.	PUNCT
fsr-3205	168	31	table	table	NOUN
fsr-3205	168	32	6	6	NUM
fsr-3205	168	33	capacity	capacity	NOUN
fsr-3205	168	34	to	to	PART
fsr-3205	168	35	pay	pay	VERB
fsr-3205	168	36	credits	credit	NOUN
fsr-3205	168	37	across	across	ADP
fsr-3205	168	38	socioeconomic	socioeconomic	ADJ
fsr-3205	168	39	characteristics	characteristic	NOUN
fsr-3205	168	40	characteristics	characteristic	NOUN
fsr-3205	168	41	%	%	NOUN
fsr-3205	168	42	of	of	ADP
fsr-3205	168	43	respondents	respondent	NOUN
fsr-3205	168	44	who	who	PRON
fsr-3205	168	45	are	be	AUX
fsr-3205	168	46	able	able	ADJ
fsr-3205	168	47	to	to	PART
fsr-3205	168	48	pay	pay	VERB
fsr-3205	168	49	credits	credit	NOUN
fsr-3205	168	50	%	%	NOUN
fsr-3205	168	51	of	of	ADP
fsr-3205	168	52	over	over	ADP
fsr-3205	168	53	indebted	indebted	ADJ
fsr-3205	168	54	respondents	respondent	NOUN
fsr-3205	168	55	attended	attend	VERB
fsr-3205	168	56	some	some	DET
fsr-3205	168	57	kind	kind	NOUN
fsr-3205	168	58	of	of	ADP
fsr-3205	168	59	training	training	NOUN
fsr-3205	168	60	in	in	ADP
fsr-3205	168	61	economics	economic	NOUN
fsr-3205	168	62	yes	yes	CCONJ
fsr-3205	169	1	82.43	82.43	NUM
fsr-3205	169	2	17.57	17.57	NUM
fsr-3205	169	3	no	no	DET
fsr-3205	169	4	75.99	75.99	NUM
fsr-3205	169	5	24.01	24.01	NUM
fsr-3205	169	6	pearson	pearson	PROPN
fsr-3205	169	7	’s	’s	PART
fsr-3205	169	8	�	�	PROPN
fsr-3205	169	9	2(1	2(1	NUM
fsr-3205	169	10	)	)	PUNCT
fsr-3205	169	11	2.47	2.47	NUM
fsr-3205	169	12	p	p	NOUN
fsr-3205	169	13	-	-	PUNCT
fsr-3205	169	14	value	value	NOUN
fsr-3205	169	15	0.12	0.12	NUM
fsr-3205	169	16	national	national	ADJ
fsr-3205	169	17	qualification	qualification	NOUN
fsr-3205	169	18	levels	level	NOUN
fsr-3205	169	19	1st	1st	PROPN
fsr-3205	169	20	group	group	NOUN
fsr-3205	169	21	64.00	64.00	NUM
fsr-3205	169	22	36.00	36.00	NUM
fsr-3205	169	23	2nd	2nd	ADJ
fsr-3205	169	24	group	group	NOUN
fsr-3205	169	25	85.12	85.12	NUM
fsr-3205	169	26	14.88	14.88	NUM
fsr-3205	169	27	3rd	3rd	ADJ
fsr-3205	169	28	group	group	NOUN
fsr-3205	169	29	76.56	76.56	NUM
fsr-3205	169	30	23.44	23.44	NUM
fsr-3205	169	31	4th	4th	ADJ
fsr-3205	169	32	group	group	NOUN
fsr-3205	169	33	84.06	84.06	NUM
fsr-3205	169	34	15.94	15.94	NUM
fsr-3205	169	35	5th	5th	ADJ
fsr-3205	169	36	group	group	NOUN
fsr-3205	169	37	63.27	63.27	NUM
fsr-3205	169	38	36.73	36.73	NUM
fsr-3205	169	39	6th	6th	NOUN
fsr-3205	169	40	group	group	NOUN
fsr-3205	169	41	33.33	33.33	NUM
fsr-3205	169	42	66.67	66.67	NUM
fsr-3205	169	43	7th	7th	ADJ
fsr-3205	169	44	group	group	NOUN
fsr-3205	169	45	66.67	66.67	NUM
fsr-3205	169	46	33.33	33.33	NUM
fsr-3205	169	47	8th	8th	NOUN
fsr-3205	169	48	group	group	NOUN
fsr-3205	169	49	–	–	PUNCT
fsr-3205	169	50	–	–	PUNCT
fsr-3205	169	51	9th	9th	ADJ
fsr-3205	169	52	group	group	NOUN
fsr-3205	169	53	45.00	45.00	NUM
fsr-3205	169	54	55.00	55.00	NUM
fsr-3205	169	55	pearson	pearson	PROPN
fsr-3205	169	56	’s	’s	PART
fsr-3205	169	57	�	�	PROPN
fsr-3205	169	58	2(7	2(7	NUM
fsr-3205	169	59	)	)	PUNCT
fsr-3205	169	60	33.92	33.92	NUM
fsr-3205	169	61	p	p	NOUN
fsr-3205	169	62	-	-	PUNCT
fsr-3205	169	63	value	value	NOUN
fsr-3205	169	64	0.00	0.00	NUM
fsr-3205	169	65	income	income	NOUN
fsr-3205	169	66	level	level	NOUN
fsr-3205	169	67	�	�	NOUN
fsr-3205	169	68	€	€	SYM
fsr-3205	169	69	1,000	1,000	NUM
fsr-3205	169	70	41.41	41.41	NUM
fsr-3205	169	71	58.59	58.59	NUM
fsr-3205	169	72	€	€	SYM
fsr-3205	169	73	1,001–€2,000	1,001–€2,000	NOUN
fsr-3205	169	74	79.17	79.17	NUM
fsr-3205	169	75	20.83	20.83	NUM
fsr-3205	169	76	€	€	SYM
fsr-3205	169	77	2,001–€6,000	2,001–€6,000	PROPN
fsr-3205	169	78	91.67	91.67	NUM
fsr-3205	169	79	8.33	8.33	NUM
fsr-3205	169	80	€	€	SYM
fsr-3205	169	81	6,001–€10,000	6,001–€10,000	NUM
fsr-3205	169	82	100.00	100.00	NUM
fsr-3205	169	83	0.00	0.00	NUM
fsr-3205	169	84	�	�	PROPN
fsr-3205	169	85	€	€	SYM
fsr-3205	169	86	10,000	10,000	NUM
fsr-3205	169	87	100.00	100.00	NUM
fsr-3205	169	88	0.00	0.00	NUM
fsr-3205	169	89	pearson	pearson	PROPN
fsr-3205	169	90	’s	’s	PART
fsr-3205	169	91	�	�	PROPN
fsr-3205	169	92	2(4	2(4	NUM
fsr-3205	169	93	)	)	PUNCT
fsr-3205	169	94	99.72	99.72	NUM
fsr-3205	169	95	p	p	NOUN
fsr-3205	169	96	-	-	PUNCT
fsr-3205	169	97	value	value	NOUN
fsr-3205	169	98	0.00	0.00	NUM
fsr-3205	169	99	frequently	frequently	ADV
fsr-3205	169	100	follows	follow	VERB
fsr-3205	169	101	economic	economic	ADJ
fsr-3205	169	102	issues	issue	NOUN
fsr-3205	169	103	in	in	ADP
fsr-3205	169	104	the	the	DET
fsr-3205	169	105	media	medium	NOUN
fsr-3205	169	106	yes	yes	ADP
fsr-3205	169	107	81.16	81.16	NUM
fsr-3205	169	108	18.84	18.84	NUM
fsr-3205	169	109	no	no	DET
fsr-3205	169	110	68.25	68.25	NUM
fsr-3205	169	111	31.75	31.75	NUM
fsr-3205	169	112	pearson	pearson	PROPN
fsr-3205	169	113	’s	’s	PART
fsr-3205	169	114	�	�	PROPN
fsr-3205	169	115	2(1	2(1	NUM
fsr-3205	169	116	)	)	PUNCT
fsr-3205	169	117	11.34	11.34	NUM
fsr-3205	169	118	p	p	NOUN
fsr-3205	169	119	-	-	PUNCT
fsr-3205	169	120	value	value	NOUN
fsr-3205	169	121	0.00	0.00	NUM
fsr-3205	169	122	are	be	AUX
fsr-3205	169	123	you	you	PRON
fsr-3205	169	124	able	able	ADJ
fsr-3205	169	125	to	to	PART
fsr-3205	169	126	save	save	VERB
fsr-3205	169	127	some	some	DET
fsr-3205	169	128	money	money	NOUN
fsr-3205	169	129	?	?	PUNCT
fsr-3205	170	1	yes	yes	INTJ
fsr-3205	171	1	95.17	95.17	NUM
fsr-3205	171	2	4.83	4.83	NUM
fsr-3205	171	3	no	no	DET
fsr-3205	171	4	55.79	55.79	NUM
fsr-3205	171	5	44.21	44.21	NUM
fsr-3205	171	6	pearson	pearson	PROPN
fsr-3205	171	7	’s	’s	PART
fsr-3205	171	8	�	�	PROPN
fsr-3205	171	9	2(1	2(1	NUM
fsr-3205	171	10	)	)	PUNCT
fsr-3205	171	11	108.94	108.94	NUM
fsr-3205	171	12	p	p	NOUN
fsr-3205	171	13	-	-	PUNCT
fsr-3205	171	14	value	value	NOUN
fsr-3205	171	15	0.00	0.00	NUM
fsr-3205	171	16	note	note	NOUN
fsr-3205	171	17	.	.	PUNCT
fsr-3205	172	1	we	we	PRON
fsr-3205	172	2	use	use	VERB
fsr-3205	172	3	�	�	PROPN
fsr-3205	172	4	2	2	NUM
fsr-3205	172	5	test	test	NOUN
fsr-3205	172	6	of	of	ADP
fsr-3205	172	7	association	association	NOUN
fsr-3205	172	8	to	to	PART
fsr-3205	172	9	establish	establish	VERB
fsr-3205	172	10	relationship	relationship	NOUN
fsr-3205	172	11	between	between	ADP
fsr-3205	172	12	capacity	capacity	NOUN
fsr-3205	172	13	to	to	PART
fsr-3205	172	14	meet	meet	VERB
fsr-3205	172	15	credits	credit	NOUN
fsr-3205	172	16	and	and	CCONJ
fsr-3205	172	17	socioeconomic	socioeconomic	ADJ
fsr-3205	172	18	factors	factor	NOUN
fsr-3205	172	19	.	.	PUNCT
fsr-3205	173	1	335c	335c	NOUN
fsr-3205	173	2	.	.	PUNCT
fsr-3205	174	1	varum	varum	PROPN
fsr-3205	174	2	,	,	PUNCT
fsr-3205	174	3	a.	a.	PROPN
fsr-3205	174	4	kolyban	kolyban	PROPN
fsr-3205	174	5	/	/	SYM
fsr-3205	174	6	financial	financial	ADJ
fsr-3205	174	7	services	service	NOUN
fsr-3205	174	8	review	review	VERB
fsr-3205	174	9	23	23	NUM
fsr-3205	174	10	(	(	PUNCT
fsr-3205	174	11	2014	2014	NUM
fsr-3205	174	12	)	)	PUNCT
fsr-3205	175	1	325–339	325–339	NUM
fsr-3205	175	2	the	the	DET
fsr-3205	175	3	ols	ol	NOUN
fsr-3205	175	4	regression	regression	NOUN
fsr-3205	175	5	shows	show	VERB
fsr-3205	175	6	that	that	SCONJ
fsr-3205	175	7	both	both	CCONJ
fsr-3205	175	8	economic	economic	ADJ
fsr-3205	175	9	and	and	CCONJ
fsr-3205	175	10	financial	financial	ADJ
fsr-3205	175	11	knowledge	knowledge	NOUN
fsr-3205	175	12	is	be	AUX
fsr-3205	175	13	positively	positively	ADV
fsr-3205	175	14	correlated	correlate	VERB
fsr-3205	175	15	with	with	ADP
fsr-3205	175	16	monthly	monthly	ADJ
fsr-3205	175	17	income	income	NOUN
fsr-3205	175	18	.	.	PUNCT
fsr-3205	176	1	age	age	NOUN
fsr-3205	176	2	,	,	PUNCT
fsr-3205	176	3	nationality	nationality	NOUN
fsr-3205	176	4	,	,	PUNCT
fsr-3205	176	5	schooling	schooling	NOUN
fsr-3205	176	6	,	,	PUNCT
fsr-3205	176	7	and	and	CCONJ
fsr-3205	176	8	saving	saving	NOUN
fsr-3205	176	9	are	be	AUX
fsr-3205	176	10	shown	show	VERB
fsr-3205	176	11	to	to	PART
fsr-3205	176	12	be	be	AUX
fsr-3205	176	13	statistically	statistically	ADV
fsr-3205	176	14	significant	significant	ADJ
fsr-3205	176	15	.	.	PUNCT
fsr-3205	177	1	more	more	ADV
fsr-3205	177	2	concretely	concretely	ADV
fsr-3205	177	3	,	,	PUNCT
fsr-3205	177	4	they	they	PRON
fsr-3205	177	5	are	be	AUX
fsr-3205	177	6	positively	positively	ADV
fsr-3205	177	7	related	relate	VERB
fsr-3205	177	8	to	to	ADP
fsr-3205	177	9	the	the	DET
fsr-3205	177	10	achievement	achievement	NOUN
fsr-3205	177	11	of	of	ADP
fsr-3205	177	12	higher	high	ADJ
fsr-3205	177	13	income	income	NOUN
fsr-3205	177	14	levels	level	NOUN
fsr-3205	177	15	.	.	PUNCT
fsr-3205	178	1	5	5	X
fsr-3205	178	2	.	.	X
fsr-3205	178	3	conclusion	conclusion	VERB
fsr-3205	178	4	the	the	DET
fsr-3205	178	5	results	result	NOUN
fsr-3205	178	6	of	of	ADP
fsr-3205	178	7	this	this	DET
fsr-3205	178	8	study	study	NOUN
fsr-3205	178	9	enable	enable	VERB
fsr-3205	178	10	us	we	PRON
fsr-3205	178	11	to	to	PART
fsr-3205	178	12	conclude	conclude	VERB
fsr-3205	178	13	that	that	SCONJ
fsr-3205	178	14	many	many	ADJ
fsr-3205	178	15	portuguese	portuguese	ADJ
fsr-3205	178	16	households	household	NOUN
fsr-3205	178	17	are	be	AUX
fsr-3205	178	18	not	not	PART
fsr-3205	178	19	able	able	ADJ
fsr-3205	178	20	to	to	PART
fsr-3205	178	21	meet	meet	VERB
fsr-3205	178	22	their	their	PRON
fsr-3205	178	23	credit	credit	NOUN
fsr-3205	178	24	commitments	commitment	NOUN
fsr-3205	178	25	.	.	PUNCT
fsr-3205	179	1	moreover	moreover	ADV
fsr-3205	179	2	,	,	PUNCT
fsr-3205	179	3	our	our	PRON
fsr-3205	179	4	findings	finding	NOUN
fsr-3205	179	5	show	show	VERB
fsr-3205	179	6	that	that	SCONJ
fsr-3205	179	7	portuguese	portuguese	ADJ
fsr-3205	179	8	individuals	individual	NOUN
fsr-3205	179	9	have	have	AUX
fsr-3205	179	10	limited	limit	VERB
fsr-3205	179	11	financial	financial	ADJ
fsr-3205	179	12	knowledge	knowledge	NOUN
fsr-3205	179	13	.	.	PUNCT
fsr-3205	180	1	in	in	ADP
fsr-3205	180	2	particular	particular	ADJ
fsr-3205	180	3	,	,	PUNCT
fsr-3205	180	4	the	the	DET
fsr-3205	180	5	youngest	young	ADJ
fsr-3205	180	6	and	and	CCONJ
fsr-3205	180	7	those	those	DET
fsr-3205	180	8	respondents	respondent	NOUN
fsr-3205	180	9	with	with	ADP
fsr-3205	180	10	lower	low	ADJ
fsr-3205	180	11	level	level	NOUN
fsr-3205	180	12	of	of	ADP
fsr-3205	180	13	education	education	NOUN
fsr-3205	180	14	displayed	display	VERB
fsr-3205	180	15	the	the	DET
fsr-3205	180	16	lowest	low	ADJ
fsr-3205	180	17	levels	level	NOUN
fsr-3205	180	18	of	of	ADP
fsr-3205	180	19	economic	economic	ADJ
fsr-3205	180	20	and/or	and/or	CCONJ
fsr-3205	180	21	financial	financial	ADJ
fsr-3205	180	22	knowledge	knowledge	NOUN
fsr-3205	180	23	.	.	PUNCT
fsr-3205	181	1	these	these	DET
fsr-3205	181	2	findings	finding	NOUN
fsr-3205	181	3	are	be	AUX
fsr-3205	181	4	consistent	consistent	ADJ
fsr-3205	181	5	with	with	ADP
fsr-3205	181	6	results	result	NOUN
fsr-3205	181	7	of	of	ADP
fsr-3205	181	8	chen	chen	PROPN
fsr-3205	181	9	and	and	CCONJ
fsr-3205	181	10	volpe	volpe	PROPN
fsr-3205	181	11	(	(	PUNCT
fsr-3205	181	12	1998	1998	NUM
fsr-3205	181	13	)	)	PUNCT
fsr-3205	181	14	.	.	PUNCT
fsr-3205	182	1	most	most	ADV
fsr-3205	182	2	important	important	ADJ
fsr-3205	182	3	,	,	PUNCT
fsr-3205	182	4	those	those	PRON
fsr-3205	182	5	who	who	PRON
fsr-3205	182	6	have	have	VERB
fsr-3205	182	7	the	the	DET
fsr-3205	182	8	lower	low	ADJ
fsr-3205	182	9	levels	level	NOUN
fsr-3205	182	10	of	of	ADP
fsr-3205	182	11	financial	financial	ADJ
fsr-3205	182	12	literacy	literacy	NOUN
fsr-3205	182	13	are	be	AUX
fsr-3205	182	14	more	more	ADV
fsr-3205	182	15	likely	likely	ADJ
fsr-3205	182	16	to	to	PART
fsr-3205	182	17	report	report	VERB
fsr-3205	182	18	problems	problem	NOUN
fsr-3205	182	19	with	with	ADP
fsr-3205	182	20	debt	debt	NOUN
fsr-3205	182	21	.	.	PUNCT
fsr-3205	183	1	moreover	moreover	ADV
fsr-3205	183	2	,	,	PUNCT
fsr-3205	183	3	respondents	respondent	NOUN
fsr-3205	183	4	with	with	ADP
fsr-3205	183	5	lower	low	ADJ
fsr-3205	183	6	levels	level	NOUN
fsr-3205	183	7	of	of	ADP
fsr-3205	183	8	economic	economic	ADJ
fsr-3205	183	9	and	and	CCONJ
fsr-3205	183	10	financial	financial	ADJ
fsr-3205	183	11	literacy	literacy	NOUN
fsr-3205	183	12	reported	report	VERB
fsr-3205	183	13	lower	low	ADJ
fsr-3205	183	14	levels	level	NOUN
fsr-3205	183	15	of	of	ADP
fsr-3205	183	16	monthly	monthly	ADJ
fsr-3205	183	17	household	household	NOUN
fsr-3205	183	18	income	income	NOUN
fsr-3205	183	19	.	.	PUNCT
fsr-3205	184	1	all	all	ADV
fsr-3205	184	2	together	together	ADV
fsr-3205	184	3	,	,	PUNCT
fsr-3205	184	4	these	these	DET
fsr-3205	184	5	findings	finding	NOUN
fsr-3205	184	6	point	point	VERB
fsr-3205	184	7	to	to	ADP
fsr-3205	184	8	the	the	DET
fsr-3205	184	9	fact	fact	NOUN
fsr-3205	184	10	that	that	SCONJ
fsr-3205	184	11	widespread	widespread	ADJ
fsr-3205	184	12	lack	lack	NOUN
fsr-3205	184	13	of	of	ADP
fsr-3205	184	14	economic	economic	ADJ
fsr-3205	184	15	and	and	CCONJ
fsr-3205	184	16	financial	financial	ADJ
fsr-3205	184	17	knowledge	knowledge	NOUN
fsr-3205	184	18	is	be	AUX
fsr-3205	184	19	a	a	DET
fsr-3205	184	20	reasonable	reasonable	ADJ
fsr-3205	184	21	cause	cause	NOUN
fsr-3205	184	22	for	for	ADP
fsr-3205	184	23	concern	concern	NOUN
fsr-3205	184	24	.	.	PUNCT
fsr-3205	185	1	table	table	NOUN
fsr-3205	185	2	7	7	NUM
fsr-3205	185	3	capacity	capacity	NOUN
fsr-3205	185	4	to	to	PART
fsr-3205	185	5	meet	meet	VERB
fsr-3205	185	6	credits	credit	NOUN
fsr-3205	185	7	and	and	CCONJ
fsr-3205	185	8	economic	economic	ADJ
fsr-3205	185	9	and/or	and/or	CCONJ
fsr-3205	185	10	financial	financial	ADJ
fsr-3205	185	11	literacy	literacy	NOUN
fsr-3205	185	12	:	:	PUNCT
fsr-3205	185	13	probit	probit	NOUN
fsr-3205	185	14	estimation	estimation	NOUN
fsr-3205	185	15	explanatory	explanatory	ADJ
fsr-3205	185	16	variables	variable	NOUN
fsr-3205	185	17	model	model	VERB
fsr-3205	185	18	1	1	NUM
fsr-3205	185	19	(	(	PUNCT
fsr-3205	185	20	z	z	NOUN
fsr-3205	185	21	-	-	PUNCT
fsr-3205	185	22	statistic	statistic	ADJ
fsr-3205	185	23	)	)	PUNCT
fsr-3205	185	24	model	model	NOUN
fsr-3205	185	25	2	2	NUM
fsr-3205	185	26	(	(	PUNCT
fsr-3205	185	27	z	z	NOUN
fsr-3205	185	28	-	-	PUNCT
fsr-3205	185	29	statistic	statistic	ADJ
fsr-3205	185	30	)	)	PUNCT
fsr-3205	185	31	model	model	NOUN
fsr-3205	185	32	3	3	NUM
fsr-3205	185	33	(	(	PUNCT
fsr-3205	185	34	z	z	NOUN
fsr-3205	185	35	-	-	NOUN
fsr-3205	185	36	statistic	statistic	NOUN
fsr-3205	185	37	)	)	PUNCT
fsr-3205	185	38	c	c	PROPN
fsr-3205	185	39	�	�	PROPN
fsr-3205	185	40	1.652	1.652	NUM
fsr-3205	185	41	(	(	PUNCT
fsr-3205	185	42	�	�	NOUN
fsr-3205	185	43	0.476	0.476	NUM
fsr-3205	185	44	)	)	PUNCT
fsr-3205	185	45	�	�	PROPN
fsr-3205	185	46	1.832	1.832	NUM
fsr-3205	185	47	(	(	PUNCT
fsr-3205	185	48	�	�	NOUN
fsr-3205	185	49	0.532	0.532	NUM
fsr-3205	185	50	)	)	PUNCT
fsr-3205	185	51	�	�	PROPN
fsr-3205	185	52	1.463	1.463	NUM
fsr-3205	185	53	(	(	PUNCT
fsr-3205	185	54	�	�	NOUN
fsr-3205	185	55	0.415	0.415	NUM
fsr-3205	185	56	)	)	PUNCT
fsr-3205	185	57	economic	economic	ADJ
fsr-3205	185	58	or	or	CCONJ
fsr-3205	185	59	financial	financial	ADJ
fsr-3205	185	60	literacy	literacy	NOUN
fsr-3205	185	61	0.012	0.012	NUM
fsr-3205	185	62	(	(	PUNCT
fsr-3205	185	63	1.698	1.698	NUM
fsr-3205	185	64	)	)	PUNCT
fsr-3205	185	65	economic	economic	ADJ
fsr-3205	185	66	literacy	literacy	NOUN
fsr-3205	185	67	0.009	0.009	NUM
fsr-3205	185	68	(	(	PUNCT
fsr-3205	185	69	1.252	1.252	NUM
fsr-3205	185	70	)	)	PUNCT
fsr-3205	185	71	financial	financial	ADJ
fsr-3205	185	72	literacy	literacy	NOUN
fsr-3205	185	73	0.011	0.011	NUM
fsr-3205	185	74	*	*	NOUN
fsr-3205	185	75	*	*	PUNCT
fsr-3205	185	76	(	(	PUNCT
fsr-3205	185	77	2.096	2.096	NUM
fsr-3205	185	78	)	)	PUNCT
fsr-3205	185	79	age	age	NOUN
fsr-3205	185	80	�	�	PROPN
fsr-3205	185	81	0.031	0.031	NUM
fsr-3205	185	82	(	(	PUNCT
fsr-3205	185	83	�	�	PROPN
fsr-3205	185	84	0.203	0.203	NUM
fsr-3205	185	85	)	)	PUNCT
fsr-3205	185	86	�	�	PROPN
fsr-3205	185	87	0.023	0.023	NUM
fsr-3205	185	88	(	(	PUNCT
fsr-3205	185	89	�	�	NOUN
fsr-3205	185	90	0.151	0.151	NUM
fsr-3205	185	91	)	)	PUNCT
fsr-3205	185	92	�	�	PROPN
fsr-3205	185	93	0.033	0.033	NUM
fsr-3205	185	94	(	(	PUNCT
fsr-3205	185	95	�	�	NOUN
fsr-3205	185	96	0.210	0.210	NUM
fsr-3205	185	97	)	)	PUNCT
fsr-3205	185	98	age2	age2	PROPN
fsr-3205	185	99	�	�	PROPN
fsr-3205	185	100	8.38e-05	8.38e-05	NUM
fsr-3205	185	101	(	(	PUNCT
fsr-3205	185	102	�	�	PROPN
fsr-3205	185	103	0.046	0.046	NUM
fsr-3205	185	104	)	)	PUNCT
fsr-3205	185	105	�	�	PROPN
fsr-3205	185	106	0.0002	0.0002	NUM
fsr-3205	185	107	(	(	PUNCT
fsr-3205	185	108	�	�	PROPN
fsr-3205	185	109	0.094	0.094	NUM
fsr-3205	185	110	)	)	PUNCT
fsr-3205	185	111	�	�	PROPN
fsr-3205	185	112	7.04e-05	7.04e-05	NUM
fsr-3205	185	113	(	(	PUNCT
fsr-3205	185	114	�	�	NOUN
fsr-3205	185	115	0.038	0.038	NUM
fsr-3205	185	116	)	)	PUNCT
fsr-3205	185	117	gen	gen	PROPN
fsr-3205	185	118	0.310	0.310	NUM
fsr-3205	185	119	(	(	PUNCT
fsr-3205	185	120	1.412	1.412	NUM
fsr-3205	185	121	)	)	PUNCT
fsr-3205	185	122	0.334	0.334	NUM
fsr-3205	185	123	(	(	PUNCT
fsr-3205	185	124	1.527	1.527	NUM
fsr-3205	185	125	)	)	PUNCT
fsr-3205	185	126	0.315	0.315	NUM
fsr-3205	185	127	(	(	PUNCT
fsr-3205	185	128	1.438	1.438	NUM
fsr-3205	185	129	)	)	PUNCT
fsr-3205	185	130	nac	nac	PROPN
fsr-3205	185	131	�	�	PROPN
fsr-3205	185	132	0.372	0.372	NUM
fsr-3205	185	133	(	(	PUNCT
fsr-3205	185	134	�	�	PROPN
fsr-3205	185	135	0.657	0.657	NUM
fsr-3205	185	136	)	)	PUNCT
fsr-3205	185	137	�	�	PROPN
fsr-3205	185	138	0.292	0.292	NUM
fsr-3205	185	139	(	(	PUNCT
fsr-3205	185	140	�	�	NOUN
fsr-3205	185	141	0.525	0.525	NUM
fsr-3205	185	142	)	)	PUNCT
fsr-3205	185	143	�	�	PROPN
fsr-3205	185	144	0.433	0.433	NUM
fsr-3205	185	145	(	(	PUNCT
fsr-3205	185	146	�	�	NOUN
fsr-3205	185	147	0.767	0.767	NUM
fsr-3205	185	148	)	)	PUNCT
fsr-3205	185	149	edc2	edc2	NOUN
fsr-3205	185	150	0.934	0.934	NUM
fsr-3205	185	151	*	*	PUNCT
fsr-3205	185	152	*	*	PUNCT
fsr-3205	185	153	(	(	PUNCT
fsr-3205	185	154	2.346	2.346	NUM
fsr-3205	185	155	)	)	PUNCT
fsr-3205	185	156	0.941	0.941	NUM
fsr-3205	185	157	*	*	PUNCT
fsr-3205	185	158	*	*	PUNCT
fsr-3205	185	159	(	(	PUNCT
fsr-3205	185	160	2.362	2.362	NUM
fsr-3205	185	161	)	)	PUNCT
fsr-3205	185	162	1.002	1.002	NUM
fsr-3205	185	163	*	*	NOUN
fsr-3205	185	164	*	*	PUNCT
fsr-3205	185	165	(	(	PUNCT
fsr-3205	185	166	2.517	2.517	NUM
fsr-3205	185	167	)	)	PUNCT
fsr-3205	185	168	edc3	edc3	VERB
fsr-3205	185	169	0.871	0.871	NUM
fsr-3205	185	170	*	*	PUNCT
fsr-3205	186	1	*	*	PUNCT
fsr-3205	186	2	(	(	PUNCT
fsr-3205	186	3	1.979	1.979	NUM
fsr-3205	186	4	)	)	PUNCT
fsr-3205	186	5	0.891	0.891	NUM
fsr-3205	186	6	*	*	SYM
fsr-3205	186	7	*	*	PUNCT
fsr-3205	186	8	(	(	PUNCT
fsr-3205	186	9	2.025	2.025	NUM
fsr-3205	186	10	)	)	PUNCT
fsr-3205	186	11	0.922	0.922	NUM
fsr-3205	186	12	*	*	PUNCT
fsr-3205	186	13	*	*	PUNCT
fsr-3205	186	14	(	(	PUNCT
fsr-3205	186	15	2.100	2.100	NUM
fsr-3205	186	16	)	)	PUNCT
fsr-3205	186	17	econ	econ	PROPN
fsr-3205	186	18	�	�	PROPN
fsr-3205	186	19	0.266	0.266	NUM
fsr-3205	186	20	(	(	PUNCT
fsr-3205	186	21	�	�	NOUN
fsr-3205	186	22	1.229	1.229	NUM
fsr-3205	186	23	)	)	PUNCT
fsr-3205	186	24	�	�	PROPN
fsr-3205	186	25	0.253	0.253	NUM
fsr-3205	186	26	(	(	PUNCT
fsr-3205	186	27	�	�	PROPN
fsr-3205	186	28	1.166	1.166	NUM
fsr-3205	186	29	)	)	PUNCT
fsr-3205	186	30	�	�	PROPN
fsr-3205	186	31	0.237	0.237	NUM
fsr-3205	186	32	(	(	PUNCT
fsr-3205	186	33	-1.106	-1.106	NOUN
fsr-3205	186	34	)	)	PUNCT
fsr-3205	186	35	cnp	cnp	PROPN
fsr-3205	186	36	�	�	PROPN
fsr-3205	186	37	0.047	0.047	NUM
fsr-3205	186	38	(	(	PUNCT
fsr-3205	186	39	0.709	0.709	NUM
fsr-3205	186	40	)	)	PUNCT
fsr-3205	186	41	0.045	0.045	NUM
fsr-3205	186	42	(	(	PUNCT
fsr-3205	186	43	0.682	0.682	NUM
fsr-3205	186	44	)	)	PUNCT
fsr-3205	186	45	0.040	0.040	NUM
fsr-3205	186	46	(	(	PUNCT
fsr-3205	186	47	0.597	0.597	NUM
fsr-3205	186	48	)	)	PUNCT
fsr-3205	186	49	income	income	NOUN
fsr-3205	186	50	0.536	0.536	NUM
fsr-3205	186	51	*	*	PUNCT
fsr-3205	186	52	(	(	PUNCT
fsr-3205	186	53	3.193	3.193	NUM
fsr-3205	186	54	)	)	PUNCT
fsr-3205	186	55	0.549	0.549	NUM
fsr-3205	186	56	*	*	PUNCT
fsr-3205	186	57	(	(	PUNCT
fsr-3205	186	58	3.285	3.285	NUM
fsr-3205	186	59	)	)	PUNCT
fsr-3205	186	60	0.535	0.535	NUM
fsr-3205	186	61	*	*	SYM
fsr-3205	186	62	(	(	PUNCT
fsr-3205	186	63	3.191	3.191	NUM
fsr-3205	186	64	)	)	PUNCT
fsr-3205	186	65	follow	follow	VERB
fsr-3205	186	66	0.154	0.154	NUM
fsr-3205	186	67	(	(	PUNCT
fsr-3205	186	68	0.735	0.735	NUM
fsr-3205	186	69	)	)	PUNCT
fsr-3205	186	70	0.157	0.157	NUM
fsr-3205	186	71	(	(	PUNCT
fsr-3205	186	72	0.752	0.752	NUM
fsr-3205	186	73	)	)	PUNCT
fsr-3205	186	74	0.140	0.140	NUM
fsr-3205	186	75	(	(	PUNCT
fsr-3205	186	76	0.667	0.667	NUM
fsr-3205	186	77	)	)	PUNCT
fsr-3205	186	78	aqgoods	aqgood	VERB
fsr-3205	186	79	0.336	0.336	NUM
fsr-3205	186	80	(	(	PUNCT
fsr-3205	186	81	1.396	1.396	NUM
fsr-3205	186	82	)	)	PUNCT
fsr-3205	186	83	0.340	0.340	NUM
fsr-3205	186	84	(	(	PUNCT
fsr-3205	186	85	1.412	1.412	NUM
fsr-3205	186	86	)	)	PUNCT
fsr-3205	186	87	0.375	0.375	NUM
fsr-3205	186	88	(	(	PUNCT
fsr-3205	186	89	1.562	1.562	NUM
fsr-3205	186	90	)	)	PUNCT
fsr-3205	186	91	retirement	retirement	NOUN
fsr-3205	186	92	0.020	0.020	NUM
fsr-3205	186	93	(	(	PUNCT
fsr-3205	186	94	0.083	0.083	NUM
fsr-3205	186	95	)	)	PUNCT
fsr-3205	186	96	0.018	0.018	NUM
fsr-3205	186	97	(	(	PUNCT
fsr-3205	186	98	0.074	0.074	NUM
fsr-3205	186	99	)	)	PUNCT
fsr-3205	186	100	0.051	0.051	NUM
fsr-3205	186	101	(	(	PUNCT
fsr-3205	186	102	0.209	0.209	NUM
fsr-3205	186	103	)	)	PUNCT
fsr-3205	186	104	save	save	VERB
fsr-3205	186	105	1.161	1.161	NUM
fsr-3205	186	106	*	*	SYM
fsr-3205	186	107	(	(	PUNCT
fsr-3205	186	108	5.570	5.570	NUM
fsr-3205	186	109	)	)	PUNCT
fsr-3205	186	110	1.151	1.151	NUM
fsr-3205	186	111	*	*	SYM
fsr-3205	186	112	(	(	PUNCT
fsr-3205	186	113	5.540	5.540	NUM
fsr-3205	186	114	)	)	PUNCT
fsr-3205	186	115	1.188	1.188	NUM
fsr-3205	186	116	*	*	SYM
fsr-3205	186	117	(	(	PUNCT
fsr-3205	186	118	5.681	5.681	NUM
fsr-3205	186	119	)	)	PUNCT
fsr-3205	186	120	import	import	NOUN
fsr-3205	186	121	0.019	0.019	NUM
fsr-3205	186	122	(	(	PUNCT
fsr-3205	186	123	0.702	0.702	NUM
fsr-3205	186	124	)	)	PUNCT
fsr-3205	186	125	0.023	0.023	NUM
fsr-3205	186	126	(	(	PUNCT
fsr-3205	186	127	0.859	0.859	NUM
fsr-3205	186	128	)	)	PUNCT
fsr-3205	186	129	0.021	0.021	NUM
fsr-3205	186	130	(	(	PUNCT
fsr-3205	186	131	0.768	0.768	NUM
fsr-3205	186	132	)	)	PUNCT
fsr-3205	186	133	total	total	ADJ
fsr-3205	186	134	obs	obs	PROPN
fsr-3205	186	135	357	357	NUM
fsr-3205	186	136	357	357	NUM
fsr-3205	186	137	357	357	NUM
fsr-3205	186	138	mcfadden	mcfadden	PROPN
fsr-3205	186	139	r2	r2	PROPN
fsr-3205	186	140	0.34090	0.34090	NUM
fsr-3205	187	1	0.33721	0.33721	NUM
fsr-3205	187	2	0.34526	0.34526	NUM
fsr-3205	187	3	lr	lr	NOUN
fsr-3205	187	4	statistic	statistic	NOUN
fsr-3205	187	5	121.4201	121.4201	NUM
fsr-3205	187	6	120.1074	120.1074	NUM
fsr-3205	187	7	122.9730	122.9730	NUM
fsr-3205	187	8	prob(lr	prob(lr	PROPN
fsr-3205	187	9	statistic	statistic	NOUN
fsr-3205	187	10	)	)	PUNCT
fsr-3205	187	11	0.00000	0.00000	NUM
fsr-3205	187	12	0.00000	0.00000	NUM
fsr-3205	187	13	0.00000	0.00000	NUM
fsr-3205	187	14	hosmer	hosmer	NOUN
fsr-3205	187	15	-	-	PUNCT
fsr-3205	187	16	lemeshow	lemeshow	NOUN
fsr-3205	187	17	�	�	PROPN
fsr-3205	187	18	2	2	NUM
fsr-3205	187	19	(	(	PUNCT
fsr-3205	187	20	8)	8)	NUM
fsr-3205	187	21	11.72	11.72	NUM
fsr-3205	187	22	8.15	8.15	NUM
fsr-3205	187	23	12.90	12.90	NUM
fsr-3205	187	24	prob	prob	PROPN
fsr-3205	187	25	�	�	PROPN
fsr-3205	187	26	�	�	PROPN
fsr-3205	187	27	2	2	NUM
fsr-3205	187	28	0.1641	0.1641	NUM
fsr-3205	187	29	0.4188	0.4188	NUM
fsr-3205	187	30	0.1153	0.1153	NUM
fsr-3205	187	31	note	note	NOUN
fsr-3205	187	32	.	.	PUNCT
fsr-3205	188	1	dependent	dependent	ADJ
fsr-3205	188	2	variable	variable	NOUN
fsr-3205	188	3	is	be	AUX
fsr-3205	188	4	“	"	PUNCT
fsr-3205	188	5	able	able	ADJ
fsr-3205	188	6	to	to	PART
fsr-3205	188	7	meet	meet	VERB
fsr-3205	188	8	credits	credit	NOUN
fsr-3205	188	9	.	.	PUNCT
fsr-3205	188	10	”	"	PUNCT
fsr-3205	189	1	all	all	DET
fsr-3205	189	2	explanatory	explanatory	ADJ
fsr-3205	189	3	variables	variable	NOUN
fsr-3205	189	4	described	describe	VERB
fsr-3205	189	5	in	in	ADP
fsr-3205	189	6	table	table	NOUN
fsr-3205	189	7	2	2	NUM
fsr-3205	189	8	.	.	PUNCT
fsr-3205	189	9	*	*	PUNCT
fsr-3205	189	10	1	1	NUM
fsr-3205	189	11	%	%	NOUN
fsr-3205	189	12	significance	significance	NOUN
fsr-3205	189	13	level	level	NOUN
fsr-3205	189	14	;	;	PUNCT
fsr-3205	189	15	*	*	PUNCT
fsr-3205	189	16	*	*	PUNCT
fsr-3205	189	17	5	5	NUM
fsr-3205	189	18	%	%	NOUN
fsr-3205	189	19	significance	significance	NOUN
fsr-3205	189	20	level	level	NOUN
fsr-3205	189	21	.	.	PUNCT
fsr-3205	190	1	336	336	NUM
fsr-3205	190	2	c.	c.	PROPN
fsr-3205	190	3	varum	varum	PROPN
fsr-3205	190	4	,	,	PUNCT
fsr-3205	190	5	a.	a.	PROPN
fsr-3205	190	6	kolyban	kolyban	PROPN
fsr-3205	190	7	/	/	SYM
fsr-3205	190	8	financial	financial	ADJ
fsr-3205	190	9	services	service	NOUN
fsr-3205	190	10	review	review	VERB
fsr-3205	190	11	23	23	NUM
fsr-3205	190	12	(	(	PUNCT
fsr-3205	190	13	2014	2014	NUM
fsr-3205	190	14	)	)	PUNCT
fsr-3205	191	1	325–339	325–339	NUM
fsr-3205	191	2	education	education	NOUN
fsr-3205	191	3	concerning	concern	VERB
fsr-3205	191	4	economic	economic	ADJ
fsr-3205	191	5	principles	principle	NOUN
fsr-3205	191	6	and	and	CCONJ
fsr-3205	191	7	credit	credit	NOUN
fsr-3205	191	8	issues	issue	NOUN
fsr-3205	191	9	are	be	AUX
fsr-3205	191	10	very	very	ADV
fsr-3205	191	11	important	important	ADJ
fsr-3205	191	12	in	in	ADP
fsr-3205	191	13	helping	help	VERB
fsr-3205	191	14	people	people	NOUN
fsr-3205	191	15	avoid	avoid	VERB
fsr-3205	191	16	excess	excess	ADJ
fsr-3205	191	17	indebtedness	indebtedness	NOUN
fsr-3205	191	18	,	,	PUNCT
fsr-3205	191	19	mortgage	mortgage	NOUN
fsr-3205	191	20	delinquencies	delinquency	NOUN
fsr-3205	191	21	and	and	CCONJ
fsr-3205	191	22	foreclosures	foreclosure	NOUN
fsr-3205	191	23	,	,	PUNCT
fsr-3205	191	24	and	and	CCONJ
fsr-3205	191	25	bankruptcies	bankruptcy	NOUN
fsr-3205	191	26	and	and	CCONJ
fsr-3205	191	27	borrowing	borrowing	NOUN
fsr-3205	191	28	that	that	PRON
fsr-3205	191	29	are	be	AUX
fsr-3205	191	30	costly	costly	ADJ
fsr-3205	191	31	.	.	PUNCT
fsr-3205	192	1	the	the	DET
fsr-3205	192	2	proliferation	proliferation	NOUN
fsr-3205	192	3	of	of	ADP
fsr-3205	192	4	credit	credit	NOUN
fsr-3205	192	5	and	and	CCONJ
fsr-3205	192	6	debt	debt	NOUN
fsr-3205	192	7	instruments	instrument	NOUN
fsr-3205	192	8	,	,	PUNCT
fsr-3205	192	9	often	often	ADV
fsr-3205	192	10	with	with	ADP
fsr-3205	192	11	extensive	extensive	ADJ
fsr-3205	192	12	information	information	NOUN
fsr-3205	192	13	from	from	ADP
fsr-3205	192	14	written	write	VERB
fsr-3205	192	15	provisions	provision	NOUN
fsr-3205	192	16	and	and	CCONJ
fsr-3205	192	17	salespeople	salespeople	NOUN
fsr-3205	192	18	,	,	PUNCT
fsr-3205	192	19	can	can	AUX
fsr-3205	192	20	overwhelm	overwhelm	VERB
fsr-3205	192	21	borrowers	borrower	NOUN
fsr-3205	192	22	.	.	PUNCT
fsr-3205	193	1	first	first	ADV
fsr-3205	193	2	,	,	PUNCT
fsr-3205	193	3	we	we	PRON
fsr-3205	193	4	focus	focus	VERB
fsr-3205	193	5	attention	attention	NOUN
fsr-3205	193	6	on	on	ADP
fsr-3205	193	7	the	the	DET
fsr-3205	193	8	important	important	ADJ
fsr-3205	193	9	effect	effect	NOUN
fsr-3205	193	10	of	of	ADP
fsr-3205	193	11	economic	economic	ADJ
fsr-3205	193	12	and	and	CCONJ
fsr-3205	193	13	financial	financial	ADJ
fsr-3205	193	14	knowledge	knowledge	NOUN
fsr-3205	193	15	upon	upon	SCONJ
fsr-3205	193	16	individuals	individual	NOUN
fsr-3205	193	17	’	'	PUNCT
fsr-3205	193	18	debt	debt	NOUN
fsr-3205	193	19	.	.	PUNCT
fsr-3205	194	1	secondly	secondly	ADV
fsr-3205	194	2	,	,	PUNCT
fsr-3205	194	3	we	we	PRON
fsr-3205	194	4	consider	consider	VERB
fsr-3205	194	5	the	the	DET
fsr-3205	194	6	rich	rich	ADJ
fsr-3205	194	7	set	set	NOUN
fsr-3205	194	8	of	of	ADP
fsr-3205	194	9	variables	variable	NOUN
fsr-3205	194	10	,	,	PUNCT
fsr-3205	194	11	attitude	attitude	NOUN
fsr-3205	194	12	,	,	PUNCT
fsr-3205	194	13	and	and	CCONJ
fsr-3205	194	14	experiences	experience	NOUN
fsr-3205	194	15	.	.	PUNCT
fsr-3205	195	1	thirdly	thirdly	ADV
fsr-3205	195	2	,	,	PUNCT
fsr-3205	195	3	we	we	PRON
fsr-3205	195	4	listen	listen	VERB
fsr-3205	195	5	to	to	ADP
fsr-3205	195	6	individuals	individual	NOUN
fsr-3205	195	7	about	about	ADP
fsr-3205	195	8	their	their	PRON
fsr-3205	195	9	own	own	ADJ
fsr-3205	195	10	debt	debt	NOUN
fsr-3205	195	11	levels	level	NOUN
fsr-3205	195	12	.	.	PUNCT
fsr-3205	196	1	finally	finally	ADV
fsr-3205	196	2	,	,	PUNCT
fsr-3205	196	3	we	we	PRON
fsr-3205	196	4	design	design	VERB
fsr-3205	196	5	a	a	DET
fsr-3205	196	6	collaborative	collaborative	ADJ
fsr-3205	196	7	research	research	NOUN
fsr-3205	196	8	project	project	NOUN
fsr-3205	196	9	that	that	PRON
fsr-3205	196	10	blends	blend	VERB
fsr-3205	196	11	scholarly	scholarly	ADJ
fsr-3205	196	12	research	research	NOUN
fsr-3205	196	13	with	with	ADP
fsr-3205	196	14	timely	timely	ADJ
fsr-3205	196	15	market	market	NOUN
fsr-3205	196	16	research	research	NOUN
fsr-3205	196	17	.	.	PUNCT
fsr-3205	197	1	our	our	PRON
fsr-3205	197	2	conclusions	conclusion	NOUN
fsr-3205	197	3	suggest	suggest	VERB
fsr-3205	197	4	a	a	DET
fsr-3205	197	5	complex	complex	ADJ
fsr-3205	197	6	set	set	NOUN
fsr-3205	197	7	of	of	ADP
fsr-3205	197	8	interactions	interaction	NOUN
fsr-3205	197	9	among	among	ADP
fsr-3205	197	10	literacy	literacy	NOUN
fsr-3205	197	11	,	,	PUNCT
fsr-3205	197	12	experience	experience	NOUN
fsr-3205	197	13	,	,	PUNCT
fsr-3205	197	14	demographics	demographic	NOUN
fsr-3205	197	15	,	,	PUNCT
fsr-3205	197	16	and	and	CCONJ
fsr-3205	197	17	debt	debt	NOUN
fsr-3205	197	18	loads	load	NOUN
fsr-3205	197	19	.	.	PUNCT
fsr-3205	198	1	our	our	PRON
fsr-3205	198	2	work	work	NOUN
fsr-3205	198	3	suggests	suggest	VERB
fsr-3205	198	4	that	that	SCONJ
fsr-3205	198	5	financial	financial	ADJ
fsr-3205	198	6	literacy	literacy	NOUN
fsr-3205	198	7	is	be	AUX
fsr-3205	198	8	related	relate	VERB
fsr-3205	198	9	to	to	ADP
fsr-3205	198	10	the	the	DET
fsr-3205	198	11	choices	choice	NOUN
fsr-3205	198	12	that	that	PRON
fsr-3205	198	13	people	people	NOUN
fsr-3205	198	14	make	make	VERB
fsr-3205	198	15	,	,	PUNCT
fsr-3205	198	16	and	and	CCONJ
fsr-3205	198	17	this	this	PRON
fsr-3205	198	18	in	in	ADP
fsr-3205	198	19	turn	turn	NOUN
fsr-3205	198	20	affects	affect	VERB
fsr-3205	198	21	their	their	PRON
fsr-3205	198	22	income	income	NOUN
fsr-3205	198	23	and	and	CCONJ
fsr-3205	198	24	capacity	capacity	NOUN
fsr-3205	198	25	to	to	PART
fsr-3205	198	26	meet	meet	VERB
fsr-3205	198	27	debt	debt	NOUN
fsr-3205	198	28	.	.	PUNCT
fsr-3205	199	1	we	we	PRON
fsr-3205	199	2	interpret	interpret	VERB
fsr-3205	199	3	this	this	PRON
fsr-3205	199	4	to	to	PART
fsr-3205	199	5	mean	mean	VERB
fsr-3205	199	6	that	that	SCONJ
fsr-3205	199	7	additional	additional	ADJ
fsr-3205	199	8	research	research	NOUN
fsr-3205	199	9	on	on	ADP
fsr-3205	199	10	economic	economic	ADJ
fsr-3205	199	11	and	and	CCONJ
fsr-3205	199	12	financial	financial	ADJ
fsr-3205	199	13	literacy	literacy	NOUN
fsr-3205	199	14	—	—	PUNCT
fsr-3205	199	15	and	and	CCONJ
fsr-3205	199	16	education	education	NOUN
fsr-3205	199	17	to	to	PART
fsr-3205	199	18	enhance	enhance	VERB
fsr-3205	199	19	financial	financial	ADJ
fsr-3205	199	20	literacy	literacy	NOUN
fsr-3205	199	21	—	—	PUNCT
fsr-3205	199	22	can	can	AUX
fsr-3205	199	23	complement	complement	VERB
fsr-3205	199	24	,	,	PUNCT
fsr-3205	199	25	and	and	CCONJ
fsr-3205	199	26	not	not	PART
fsr-3205	199	27	substitute	substitute	VERB
fsr-3205	199	28	for	for	ADP
fsr-3205	199	29	,	,	PUNCT
fsr-3205	199	30	auto	auto	NOUN
fsr-3205	199	31	-	-	PUNCT
fsr-3205	199	32	default	default	NOUN
fsr-3205	199	33	and	and	CCONJ
fsr-3205	199	34	other	other	ADJ
fsr-3205	199	35	comparable	comparable	ADJ
fsr-3205	199	36	approaches	approach	NOUN
fsr-3205	199	37	.	.	PUNCT
fsr-3205	200	1	table	table	NOUN
fsr-3205	200	2	8	8	NUM
fsr-3205	200	3	household	household	NOUN
fsr-3205	200	4	income	income	NOUN
fsr-3205	200	5	and	and	CCONJ
fsr-3205	200	6	economic	economic	ADJ
fsr-3205	200	7	and/or	and/or	CCONJ
fsr-3205	200	8	financial	financial	ADJ
fsr-3205	200	9	literacy	literacy	NOUN
fsr-3205	200	10	:	:	PUNCT
fsr-3205	200	11	ols	ol	NOUN
fsr-3205	200	12	estimation	estimation	NOUN
fsr-3205	200	13	explanatory	explanatory	ADJ
fsr-3205	200	14	variables	variable	NOUN
fsr-3205	200	15	model	model	VERB
fsr-3205	200	16	1	1	NUM
fsr-3205	200	17	(	(	PUNCT
fsr-3205	200	18	t	t	NOUN
fsr-3205	200	19	-	-	PUNCT
fsr-3205	200	20	statistic	statistic	NOUN
fsr-3205	200	21	)	)	PUNCT
fsr-3205	200	22	model	model	NOUN
fsr-3205	200	23	2	2	NUM
fsr-3205	200	24	(	(	PUNCT
fsr-3205	200	25	t	t	NOUN
fsr-3205	200	26	-	-	PUNCT
fsr-3205	200	27	statistic	statistic	NOUN
fsr-3205	200	28	)	)	PUNCT
fsr-3205	200	29	model	model	NOUN
fsr-3205	200	30	3	3	NUM
fsr-3205	200	31	(	(	PUNCT
fsr-3205	200	32	t	t	NOUN
fsr-3205	200	33	-	-	PUNCT
fsr-3205	200	34	statistic	statistic	NOUN
fsr-3205	200	35	)	)	PUNCT
fsr-3205	200	36	c	c	NOUN
fsr-3205	200	37	�	�	PROPN
fsr-3205	200	38	3.114	3.114	NUM
fsr-3205	200	39	*	*	SYM
fsr-3205	200	40	(	(	PUNCT
fsr-3205	200	41	�	�	NOUN
fsr-3205	200	42	2.750	2.750	NUM
fsr-3205	200	43	)	)	PUNCT
fsr-3205	200	44	�	�	PROPN
fsr-3205	200	45	3.183	3.183	NUM
fsr-3205	200	46	*	*	NOUN
fsr-3205	200	47	(	(	PUNCT
fsr-3205	200	48	�	�	NOUN
fsr-3205	200	49	2.804	2.804	NUM
fsr-3205	200	50	)	)	PUNCT
fsr-3205	200	51	�	�	PROPN
fsr-3205	201	1	3.178	3.178	NUM
fsr-3205	201	2	*	*	NOUN
fsr-3205	201	3	(	(	PUNCT
fsr-3205	201	4	�	�	NOUN
fsr-3205	201	5	2.800	2.800	NUM
fsr-3205	201	6	)	)	PUNCT
fsr-3205	201	7	economic	economic	ADJ
fsr-3205	201	8	or	or	CCONJ
fsr-3205	201	9	financial	financial	ADJ
fsr-3205	201	10	literacy	literacy	NOUN
fsr-3205	201	11	0.008	0.008	NUM
fsr-3205	201	12	*	*	PUNCT
fsr-3205	201	13	(	(	PUNCT
fsr-3205	201	14	3.269	3.269	NUM
fsr-3205	201	15	)	)	PUNCT
fsr-3205	201	16	economic	economic	ADJ
fsr-3205	201	17	literacy	literacy	NOUN
fsr-3205	201	18	0.006	0.006	NUM
fsr-3205	201	19	*	*	PUNCT
fsr-3205	201	20	(	(	PUNCT
fsr-3205	201	21	2.858	2.858	NUM
fsr-3205	201	22	)	)	PUNCT
fsr-3205	201	23	financial	financial	ADJ
fsr-3205	201	24	literacy	literacy	NOUN
fsr-3205	201	25	0.005	0.005	NUM
fsr-3205	201	26	*	*	PUNCT
fsr-3205	201	27	(	(	PUNCT
fsr-3205	201	28	2.875	2.875	NUM
fsr-3205	201	29	)	)	PUNCT
fsr-3205	201	30	age	age	NOUN
fsr-3205	201	31	0.129	0.129	NUM
fsr-3205	201	32	*	*	PUNCT
fsr-3205	201	33	*	*	PUNCT
fsr-3205	201	34	(	(	PUNCT
fsr-3205	201	35	2.512	2.512	NUM
fsr-3205	201	36	)	)	PUNCT
fsr-3205	201	37	0.132	0.132	NUM
fsr-3205	201	38	*	*	PUNCT
fsr-3205	201	39	*	*	PUNCT
fsr-3205	201	40	(	(	PUNCT
fsr-3205	201	41	2.561	2.561	NUM
fsr-3205	201	42	)	)	PUNCT
fsr-3205	201	43	0.138	0.138	NUM
fsr-3205	201	44	*	*	PUNCT
fsr-3205	201	45	(	(	PUNCT
fsr-3205	201	46	2.708	2.708	NUM
fsr-3205	201	47	)	)	PUNCT
fsr-3205	201	48	age2	age2	PROPN
fsr-3205	201	49	�	�	PROPN
fsr-3205	201	50	0.001	0.001	NUM
fsr-3205	201	51	*	*	NOUN
fsr-3205	201	52	*	*	PUNCT
fsr-3205	201	53	(	(	PUNCT
fsr-3205	201	54	�	�	NOUN
fsr-3205	201	55	2.115	2.115	NUM
fsr-3205	201	56	)	)	PUNCT
fsr-3205	201	57	�	�	PROPN
fsr-3205	201	58	0.001	0.001	NUM
fsr-3205	201	59	*	*	NOUN
fsr-3205	201	60	*	*	PUNCT
fsr-3205	201	61	(	(	PUNCT
fsr-3205	201	62	�	�	NOUN
fsr-3205	201	63	2.159	2.159	NUM
fsr-3205	201	64	)	)	PUNCT
fsr-3205	201	65	�	�	NOUN
fsr-3205	201	66	0.001	0.001	NUM
fsr-3205	201	67	*	*	NOUN
fsr-3205	201	68	*	*	PUNCT
fsr-3205	201	69	(	(	PUNCT
fsr-3205	201	70	�	�	NOUN
fsr-3205	201	71	2.298	2.298	NUM
fsr-3205	201	72	)	)	PUNCT
fsr-3205	201	73	gen	gen	PROPN
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fsr-3205	201	75	(	(	PUNCT
fsr-3205	201	76	0.062	0.062	NUM
fsr-3205	201	77	)	)	PUNCT
fsr-3205	201	78	0.016	0.016	NUM
fsr-3205	201	79	(	(	PUNCT
fsr-3205	201	80	0.246	0.246	NUM
fsr-3205	201	81	)	)	PUNCT
fsr-3205	201	82	0.011	0.011	NUM
fsr-3205	201	83	(	(	PUNCT
fsr-3205	201	84	0.176	0.176	NUM
fsr-3205	201	85	)	)	PUNCT
fsr-3205	201	86	nac	nac	PROPN
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fsr-3205	201	88	*	*	PUNCT
fsr-3205	201	89	(	(	PUNCT
fsr-3205	201	90	4.725	4.725	NUM
fsr-3205	201	91	)	)	PUNCT
fsr-3205	201	92	0.792	0.792	NUM
fsr-3205	201	93	*	*	SYM
fsr-3205	201	94	(	(	PUNCT
fsr-3205	201	95	4.975	4.975	NUM
fsr-3205	201	96	)	)	PUNCT
fsr-3205	201	97	0.763	0.763	NUM
fsr-3205	201	98	*	*	SYM
fsr-3205	201	99	(	(	PUNCT
fsr-3205	201	100	4.736	4.736	NUM
fsr-3205	201	101	)	)	PUNCT
fsr-3205	201	102	edc2	edc2	NOUN
fsr-3205	201	103	0.281	0.281	NUM
fsr-3205	201	104	*	*	NOUN
fsr-3205	201	105	*	*	PUNCT
fsr-3205	201	106	(	(	PUNCT
fsr-3205	201	107	2.172	2.172	NUM
fsr-3205	201	108	)	)	PUNCT
fsr-3205	201	109	0.286	0.286	NUM
fsr-3205	202	1	*	*	PUNCT
fsr-3205	202	2	*	*	PUNCT
fsr-3205	202	3	(	(	PUNCT
fsr-3205	202	4	2.199	2.199	NUM
fsr-3205	202	5	)	)	PUNCT
fsr-3205	202	6	0.310	0.310	NUM
fsr-3205	202	7	*	*	PUNCT
fsr-3205	202	8	*	*	PUNCT
fsr-3205	202	9	(	(	PUNCT
fsr-3205	202	10	2.403	2.403	NUM
fsr-3205	202	11	)	)	PUNCT
fsr-3205	202	12	edc3	edc3	VERB
fsr-3205	202	13	0.822	0.822	NUM
fsr-3205	202	14	*	*	PUNCT
fsr-3205	202	15	(	(	PUNCT
fsr-3205	202	16	5.977	5.977	NUM
fsr-3205	202	17	)	)	PUNCT
fsr-3205	202	18	0.836	0.836	NUM
fsr-3205	202	19	*	*	SYM
fsr-3205	202	20	(	(	PUNCT
fsr-3205	202	21	6.066	6.066	NUM
fsr-3205	202	22	)	)	PUNCT
fsr-3205	202	23	0.856	0.856	NUM
fsr-3205	202	24	*	*	SYM
fsr-3205	202	25	(	(	PUNCT
fsr-3205	202	26	6.270	6.270	NUM
fsr-3205	202	27	)	)	PUNCT
fsr-3205	202	28	econ	econ	PROPN
fsr-3205	202	29	�	�	PROPN
fsr-3205	202	30	0.066	0.066	NUM
fsr-3205	202	31	(	(	PUNCT
fsr-3205	202	32	�	�	NOUN
fsr-3205	202	33	1.014	1.014	NUM
fsr-3205	202	34	)	)	PUNCT
fsr-3205	202	35	�	�	PROPN
fsr-3205	202	36	0.065	0.065	NUM
fsr-3205	202	37	(	(	PUNCT
fsr-3205	202	38	�	�	PROPN
fsr-3205	202	39	0.989	0.989	NUM
fsr-3205	202	40	)	)	PUNCT
fsr-3205	202	41	�	�	PROPN
fsr-3205	202	42	0.043	0.043	NUM
fsr-3205	202	43	(	(	PUNCT
fsr-3205	202	44	�	�	NOUN
fsr-3205	202	45	0.672	0.672	NUM
fsr-3205	202	46	)	)	PUNCT
fsr-3205	202	47	cnp	cnp	PROPN
fsr-3205	202	48	0.005	0.005	NUM
fsr-3205	202	49	(	(	PUNCT
fsr-3205	202	50	0.222	0.222	NUM
fsr-3205	202	51	)	)	PUNCT
fsr-3205	202	52	0.005	0.005	NUM
fsr-3205	202	53	(	(	PUNCT
fsr-3205	202	54	0.218	0.218	NUM
fsr-3205	202	55	)	)	PUNCT
fsr-3205	202	56	�	�	NOUN
fsr-3205	202	57	0.003	0.003	NUM
fsr-3205	202	58	(	(	PUNCT
fsr-3205	202	59	�	�	NOUN
fsr-3205	202	60	0.121	0.121	NUM
fsr-3205	202	61	)	)	PUNCT
fsr-3205	202	62	follow	follow	VERB
fsr-3205	202	63	0.026	0.026	NUM
fsr-3205	202	64	(	(	PUNCT
fsr-3205	202	65	0.387	0.387	NUM
fsr-3205	202	66	)	)	PUNCT
fsr-3205	202	67	0.033	0.033	NUM
fsr-3205	202	68	(	(	PUNCT
fsr-3205	202	69	0.498	0.498	NUM
fsr-3205	202	70	)	)	PUNCT
fsr-3205	202	71	0.021	0.021	NUM
fsr-3205	202	72	(	(	PUNCT
fsr-3205	202	73	0.317	0.317	NUM
fsr-3205	202	74	)	)	PUNCT
fsr-3205	202	75	aqgoods	aqgood	VERB
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fsr-3205	202	77	(	(	PUNCT
fsr-3205	202	78	0.748	0.748	NUM
fsr-3205	202	79	)	)	PUNCT
fsr-3205	202	80	0.050	0.050	NUM
fsr-3205	202	81	(	(	PUNCT
fsr-3205	202	82	0.694	0.694	NUM
fsr-3205	202	83	)	)	PUNCT
fsr-3205	202	84	0.082	0.082	NUM
fsr-3205	202	85	(	(	PUNCT
fsr-3205	202	86	1.145	1.145	NUM
fsr-3205	202	87	)	)	PUNCT
fsr-3205	202	88	retirement	retirement	NOUN
fsr-3205	202	89	�	�	PROPN
fsr-3205	202	90	0.009	0.009	NUM
fsr-3205	202	91	(	(	PUNCT
fsr-3205	202	92	�	�	NOUN
fsr-3205	202	93	0.126	0.126	NUM
fsr-3205	202	94	)	)	PUNCT
fsr-3205	202	95	�	�	PROPN
fsr-3205	203	1	0.012	0.012	NUM
fsr-3205	203	2	(	(	PUNCT
fsr-3205	203	3	�	�	PROPN
fsr-3205	203	4	0.156	0.156	NUM
fsr-3205	203	5	)	)	PUNCT
fsr-3205	203	6	0.006	0.006	NUM
fsr-3205	203	7	(	(	PUNCT
fsr-3205	203	8	0.082	0.082	NUM
fsr-3205	203	9	)	)	PUNCT
fsr-3205	203	10	save	save	VERB
fsr-3205	203	11	0.399	0.399	NUM
fsr-3205	203	12	*	*	PUNCT
fsr-3205	203	13	(	(	PUNCT
fsr-3205	203	14	6.608	6.608	NUM
fsr-3205	203	15	)	)	PUNCT
fsr-3205	203	16	0.397	0.397	NUM
fsr-3205	203	17	*	*	PUNCT
fsr-3205	203	18	(	(	PUNCT
fsr-3205	203	19	6.530	6.530	NUM
fsr-3205	203	20	)	)	PUNCT
fsr-3205	203	21	0.421	0.421	NUM
fsr-3205	203	22	*	*	SYM
fsr-3205	203	23	(	(	PUNCT
fsr-3205	203	24	6.984	6.984	NUM
fsr-3205	203	25	)	)	PUNCT
fsr-3205	203	26	import	import	NOUN
fsr-3205	203	27	0.007	0.007	NUM
fsr-3205	203	28	(	(	PUNCT
fsr-3205	203	29	0.816	0.816	NUM
fsr-3205	203	30	)	)	PUNCT
fsr-3205	203	31	0.009	0.009	NUM
fsr-3205	203	32	(	(	PUNCT
fsr-3205	203	33	0.953	0.953	NUM
fsr-3205	203	34	)	)	PUNCT
fsr-3205	203	35	0.010	0.010	NUM
fsr-3205	203	36	(	(	PUNCT
fsr-3205	203	37	1.151	1.151	NUM
fsr-3205	203	38	)	)	PUNCT
fsr-3205	203	39	total	total	ADJ
fsr-3205	203	40	obs	obs	NOUN
fsr-3205	203	41	394	394	NUM
fsr-3205	203	42	394	394	NUM
fsr-3205	203	43	394	394	NUM
fsr-3205	203	44	r2	r2	NOUN
fsr-3205	203	45	0.48551	0.48551	NUM
fsr-3205	203	46	0.48216	0.48216	NUM
fsr-3205	203	47	0.48229	0.48229	NUM
fsr-3205	203	48	adjusted	adjust	VERB
fsr-3205	203	49	r2	r2	NOUN
fsr-3205	203	50	0.46650	0.46650	NUM
fsr-3205	203	51	0.46303	0.46303	NUM
fsr-3205	203	52	0.46316	0.46316	NUM
fsr-3205	203	53	f	f	X
fsr-3205	203	54	-	-	PUNCT
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fsr-3205	203	59	prob(f	prob(f	NOUN
fsr-3205	203	60	-	-	PUNCT
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fsr-3205	203	62	)	)	PUNCT
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fsr-3205	203	70	2(1	2(1	NUM
fsr-3205	203	71	)	)	PUNCT
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fsr-3205	203	74	0.10	0.10	NUM
fsr-3205	203	75	prob	prob	PROPN
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fsr-3205	203	77	�	�	PROPN
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fsr-3205	203	80	0.5700	0.5700	NUM
fsr-3205	203	81	0.7542	0.7542	NUM
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fsr-3205	204	1	dependent	dependent	ADJ
fsr-3205	204	2	variable	variable	NOUN
fsr-3205	204	3	is	be	AUX
fsr-3205	204	4	“	"	PUNCT
fsr-3205	204	5	income	income	NOUN
fsr-3205	204	6	.	.	PUNCT
fsr-3205	204	7	”	"	PUNCT
fsr-3205	205	1	all	all	DET
fsr-3205	205	2	explanatory	explanatory	ADJ
fsr-3205	205	3	variables	variable	NOUN
fsr-3205	205	4	described	describe	VERB
fsr-3205	205	5	in	in	ADP
fsr-3205	205	6	table	table	NOUN
fsr-3205	205	7	2	2	NUM
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fsr-3205	205	10	1	1	NUM
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fsr-3205	205	15	*	*	PUNCT
fsr-3205	205	16	5	5	NUM
fsr-3205	205	17	%	%	NOUN
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fsr-3205	206	1	337c	337c	NOUN
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fsr-3205	207	1	varum	varum	PROPN
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fsr-3205	207	3	a.	a.	PROPN
fsr-3205	207	4	kolyban	kolyban	PROPN
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fsr-3205	207	6	financial	financial	ADJ
fsr-3205	207	7	services	service	NOUN
fsr-3205	207	8	review	review	VERB
fsr-3205	207	9	23	23	NUM
fsr-3205	207	10	(	(	PUNCT
fsr-3205	207	11	2014	2014	NUM
fsr-3205	207	12	)	)	PUNCT
fsr-3205	208	1	325–339	325–339	NUM
fsr-3205	208	2	acknowledgment	acknowledgment	NOUN
fsr-3205	208	3	the	the	DET
fsr-3205	208	4	study	study	NOUN
fsr-3205	208	5	has	have	AUX
fsr-3205	208	6	been	be	AUX
fsr-3205	208	7	conducted	conduct	VERB
fsr-3205	208	8	under	under	ADP
fsr-3205	208	9	research	research	NOUN
fsr-3205	208	10	project	project	NOUN
fsr-3205	208	11	“	"	PUNCT
fsr-3205	208	12	economicando	economicando	NOUN
fsr-3205	208	13	”	"	PUNCT
fsr-3205	208	14	(	(	PUNCT
fsr-3205	208	15	ptdc	ptdc	NOUN
fsr-3205	208	16	/	/	SYM
fsr-3205	208	17	egeeco/100923/2008	egeeco/100923/2008	PROPN
fsr-3205	208	18	)	)	PUNCT
fsr-3205	208	19	,	,	PUNCT
fsr-3205	208	20	financed	finance	VERB
fsr-3205	208	21	by	by	ADP
fsr-3205	208	22	feder	feder	PROPN
fsr-3205	208	23	funds	fund	NOUN
fsr-3205	208	24	through	through	ADP
fsr-3205	208	25	the	the	DET
fsr-3205	208	26	programa	programa	NOUN
fsr-3205	208	27	operacional	operacional	PROPN
fsr-3205	208	28	fatores	fatores	PROPN
fsr-3205	208	29	de	de	ADP
fsr-3205	208	30	competitividade	competitividade	NOUN
fsr-3205	208	31	compete	compete	NOUN
fsr-3205	208	32	and	and	CCONJ
fsr-3205	208	33	by	by	ADP
fsr-3205	208	34	national	national	ADJ
fsr-3205	208	35	funds	fund	NOUN
fsr-3205	208	36	through	through	ADP
fsr-3205	208	37	the	the	DET
fsr-3205	208	38	fct	fct	NOUN
fsr-3205	208	39	fundação	fundação	ADV
fsr-3205	208	40	para	para	VERB
fsr-3205	208	41	a	a	DET
fsr-3205	208	42	ciência	ciência	NOUN
fsr-3205	208	43	e	e	NOUN
fsr-3205	208	44	tecnologia	tecnologia	NOUN
fsr-3205	208	45	.	.	PUNCT
fsr-3205	209	1	references	reference	NOUN
fsr-3205	209	2	agarwal	agarwal	PROPN
fsr-3205	209	3	,	,	PUNCT
fsr-3205	209	4	s.	s.	PROPN
fsr-3205	209	5	,	,	PUNCT
fsr-3205	209	6	driscol	driscol	PROPN
fsr-3205	209	7	,	,	PUNCT
fsr-3205	209	8	j.	j.	PROPN
fsr-3205	209	9	,	,	PUNCT
fsr-3205	209	10	gabaix	gabaix	NOUN
fsr-3205	209	11	,	,	PUNCT
fsr-3205	209	12	x.	x.	NOUN
fsr-3205	209	13	,	,	PUNCT
fsr-3205	209	14	&	&	CCONJ
fsr-3205	209	15	liabson	liabson	PROPN
fsr-3205	209	16	,	,	PUNCT
fsr-3205	209	17	d.	d.	PROPN
fsr-3205	209	18	(	(	PUNCT
fsr-3205	209	19	2009	2009	NUM
fsr-3205	209	20	)	)	PUNCT
fsr-3205	209	21	.	.	PUNCT
fsr-3205	210	1	the	the	DET
fsr-3205	210	2	age	age	NOUN
fsr-3205	210	3	of	of	ADP
fsr-3205	210	4	reason	reason	NOUN
fsr-3205	210	5	:	:	PUNCT
fsr-3205	210	6	financial	financial	ADJ
fsr-3205	210	7	decisions	decision	NOUN
fsr-3205	210	8	over	over	ADP
fsr-3205	210	9	the	the	DET
fsr-3205	210	10	lifecycle	lifecycle	NOUN
fsr-3205	210	11	with	with	ADP
fsr-3205	210	12	implications	implication	NOUN
fsr-3205	210	13	for	for	ADP
fsr-3205	210	14	regulation	regulation	NOUN
fsr-3205	210	15	.	.	PUNCT
fsr-3205	211	1	brookings	brookings	PROPN
fsr-3205	211	2	papers	paper	NOUN
fsr-3205	211	3	on	on	ADP
fsr-3205	211	4	economic	economic	ADJ
fsr-3205	211	5	activity	activity	NOUN
fsr-3205	211	6	,	,	PUNCT
fsr-3205	211	7	autumn	autumn	NOUN
fsr-3205	211	8	,	,	PUNCT
fsr-3205	211	9	51–101	51–101	PROPN
fsr-3205	211	10	.	.	PUNCT
fsr-3205	212	1	agarwal	agarwal	PROPN
fsr-3205	212	2	,	,	PUNCT
fsr-3205	212	3	s.	s.	PROPN
fsr-3205	212	4	,	,	PUNCT
fsr-3205	212	5	&	&	CCONJ
fsr-3205	212	6	mazumber	mazumber	PROPN
fsr-3205	212	7	,	,	PUNCT
fsr-3205	212	8	k.	k.	PROPN
fsr-3205	212	9	(	(	PUNCT
fsr-3205	212	10	2011	2011	NUM
fsr-3205	212	11	)	)	PUNCT
fsr-3205	212	12	.	.	PUNCT
fsr-3205	213	1	cognitive	cognitive	ADJ
fsr-3205	213	2	abilities	ability	NOUN
fsr-3205	213	3	and	and	CCONJ
fsr-3205	213	4	household	household	NOUN
fsr-3205	213	5	financial	financial	ADJ
fsr-3205	213	6	decisions	decision	NOUN
fsr-3205	213	7	making	make	VERB
fsr-3205	213	8	.	.	PUNCT
fsr-3205	214	1	paper	paper	NOUN
fsr-3205	214	2	presented	present	VERB
fsr-3205	214	3	at	at	ADP
fsr-3205	214	4	the	the	DET
fsr-3205	214	5	2nd	2nd	ADJ
fsr-3205	214	6	boulder	boulder	NOUN
fsr-3205	214	7	conference	conference	NOUN
fsr-3205	214	8	on	on	ADP
fsr-3205	214	9	consumer	consumer	NOUN
fsr-3205	214	10	financial	financial	ADJ
fsr-3205	214	11	decision	decision	NOUN
fsr-3205	214	12	making	making	NOUN
fsr-3205	214	13	,	,	PUNCT
fsr-3205	214	14	(	(	PUNCT
fsr-3205	214	15	june	june	PROPN
fsr-3205	214	16	)	)	PUNCT
fsr-3205	214	17	.	.	PUNCT
fsr-3205	215	1	boulder	boulder	PROPN
fsr-3205	215	2	,	,	PUNCT
fsr-3205	215	3	colorado	colorado	PROPN
fsr-3205	215	4	.	.	PUNCT
fsr-3205	216	1	banks	bank	NOUN
fsr-3205	216	2	,	,	PUNCT
fsr-3205	216	3	j.	j.	PROPN
fsr-3205	216	4	,	,	PUNCT
fsr-3205	216	5	&	&	CCONJ
fsr-3205	216	6	oldfield	oldfield	PROPN
fsr-3205	216	7	,	,	PUNCT
fsr-3205	216	8	z.	z.	PROPN
fsr-3205	216	9	(	(	PUNCT
fsr-3205	216	10	2007	2007	NUM
fsr-3205	216	11	)	)	PUNCT
fsr-3205	216	12	.	.	PUNCT
fsr-3205	217	1	understanding	understand	VERB
fsr-3205	217	2	pensions	pension	NOUN
fsr-3205	217	3	:	:	PUNCT
fsr-3205	217	4	cognitive	cognitive	ADJ
fsr-3205	217	5	function	function	NOUN
fsr-3205	217	6	,	,	PUNCT
fsr-3205	217	7	numerical	numerical	ADJ
fsr-3205	217	8	ability	ability	NOUN
fsr-3205	217	9	and	and	CCONJ
fsr-3205	217	10	retirement	retirement	NOUN
fsr-3205	217	11	saving	saving	NOUN
fsr-3205	217	12	.	.	PUNCT
fsr-3205	218	1	fiscal	fiscal	ADJ
fsr-3205	218	2	studies	study	NOUN
fsr-3205	218	3	,	,	PUNCT
fsr-3205	218	4	28	28	NUM
fsr-3205	218	5	,	,	PUNCT
fsr-3205	218	6	143–170	143–170	NUM
fsr-3205	218	7	.	.	PUNCT
fsr-3205	219	1	banks	bank	NOUN
fsr-3205	219	2	,	,	PUNCT
fsr-3205	219	3	j.	j.	PROPN
fsr-3205	219	4	(	(	PUNCT
fsr-3205	219	5	2010	2010	NUM
fsr-3205	219	6	)	)	PUNCT
fsr-3205	219	7	.	.	PUNCT
fsr-3205	220	1	cognitive	cognitive	ADJ
fsr-3205	220	2	function	function	NOUN
fsr-3205	220	3	,	,	PUNCT
fsr-3205	220	4	financial	financial	ADJ
fsr-3205	220	5	literacy	literacy	NOUN
fsr-3205	220	6	and	and	CCONJ
fsr-3205	220	7	financial	financial	ADJ
fsr-3205	220	8	outcomes	outcome	NOUN
fsr-3205	220	9	at	at	ADP
fsr-3205	220	10	older	old	ADJ
fsr-3205	220	11	ages	age	NOUN
fsr-3205	220	12	:	:	PUNCT
fsr-3205	220	13	introduction	introduction	NOUN
fsr-3205	220	14	.	.	PUNCT
fsr-3205	221	1	economic	economic	ADJ
fsr-3205	221	2	journal	journal	NOUN
fsr-3205	221	3	,	,	PUNCT
fsr-3205	221	4	120	120	NUM
fsr-3205	221	5	,	,	PUNCT
fsr-3205	221	6	357–362	357–362	NUM
fsr-3205	221	7	.	.	PUNCT
fsr-3205	221	8	bateman	bateman	PROPN
fsr-3205	221	9	,	,	PUNCT
fsr-3205	221	10	h.	h.	PROPN
fsr-3205	221	11	,	,	PUNCT
fsr-3205	221	12	eckert	eckert	PROPN
fsr-3205	221	13	,	,	PUNCT
fsr-3205	221	14	c.	c.	PROPN
fsr-3205	221	15	,	,	PUNCT
fsr-3205	221	16	geweke	geweke	NOUN
fsr-3205	221	17	,	,	PUNCT
fsr-3205	221	18	j.	j.	PROPN
fsr-3205	221	19	,	,	PUNCT
fsr-3205	221	20	louviere	louviere	PROPN
fsr-3205	221	21	,	,	PUNCT
fsr-3205	221	22	j.	j.	PROPN
fsr-3205	221	23	,	,	PUNCT
fsr-3205	221	24	thorp	thorp	PROPN
fsr-3205	221	25	,	,	PUNCT
fsr-3205	221	26	s.	s.	PROPN
fsr-3205	221	27	,	,	PUNCT
fsr-3205	221	28	&	&	CCONJ
fsr-3205	221	29	satchell	satchell	PROPN
fsr-3205	221	30	,	,	PUNCT
fsr-3205	221	31	s.	s.	PROPN
fsr-3205	221	32	(	(	PUNCT
fsr-3205	221	33	2011	2011	NUM
fsr-3205	221	34	)	)	PUNCT
fsr-3205	221	35	.	.	PUNCT
fsr-3205	222	1	financial	financial	ADJ
fsr-3205	222	2	competence	competence	NOUN
fsr-3205	222	3	and	and	CCONJ
fsr-3205	222	4	expectations	expectation	NOUN
fsr-3205	222	5	formation	formation	NOUN
fsr-3205	222	6	:	:	PUNCT
fsr-3205	222	7	evidence	evidence	NOUN
fsr-3205	222	8	from	from	ADP
fsr-3205	222	9	australia	australia	PROPN
fsr-3205	222	10	.	.	PUNCT
fsr-3205	223	1	the	the	DET
fsr-3205	223	2	economic	economic	ADJ
fsr-3205	223	3	records	record	NOUN
fsr-3205	223	4	,	,	PUNCT
fsr-3205	223	5	88	88	NUM
fsr-3205	223	6	,	,	PUNCT
fsr-3205	223	7	39–63	39–63	NUM
fsr-3205	223	8	.	.	PUNCT
fsr-3205	223	9	bucher	bucher	PROPN
fsr-3205	223	10	-	-	PUNCT
fsr-3205	223	11	koenen	koenen	NOUN
fsr-3205	223	12	,	,	PUNCT
fsr-3205	223	13	t.	t.	PROPN
fsr-3205	223	14	(	(	PUNCT
fsr-3205	223	15	2009	2009	NUM
fsr-3205	223	16	)	)	PUNCT
fsr-3205	223	17	.	.	PUNCT
fsr-3205	224	1	financial	financial	ADJ
fsr-3205	224	2	literacy	literacy	NOUN
fsr-3205	224	3	and	and	CCONJ
fsr-3205	224	4	private	private	ADJ
fsr-3205	224	5	old	old	ADJ
fsr-3205	224	6	-	-	PUNCT
fsr-3205	224	7	age	age	NOUN
fsr-3205	224	8	provision	provision	NOUN
fsr-3205	224	9	in	in	ADP
fsr-3205	224	10	germany	germany	PROPN
fsr-3205	224	11	:	:	PUNCT
fsr-3205	224	12	evidence	evidence	NOUN
fsr-3205	224	13	from	from	ADP
fsr-3205	224	14	save	save	PROPN
fsr-3205	224	15	2008	2008	NUM
fsr-3205	224	16	.	.	PUNCT
fsr-3205	225	1	mannheim	mannheim	PROPN
fsr-3205	225	2	research	research	PROPN
fsr-3205	225	3	institute	institute	PROPN
fsr-3205	225	4	for	for	ADP
fsr-3205	225	5	the	the	DET
fsr-3205	225	6	economics	economic	NOUN
fsr-3205	225	7	of	of	ADP
fsr-3205	225	8	aging	age	VERB
fsr-3205	225	9	discussion	discussion	NOUN
fsr-3205	225	10	,	,	PUNCT
fsr-3205	225	11	paper	paper	NOUN
fsr-3205	225	12	192	192	NUM
fsr-3205	225	13	-	-	SYM
fsr-3205	225	14	2009	2009	NUM
fsr-3205	225	15	.	.	PUNCT
fsr-3205	226	1	university	university	NOUN
fsr-3205	226	2	of	of	ADP
fsr-3205	226	3	mannheim	mannheim	PROPN
fsr-3205	226	4	.	.	PUNCT
fsr-3205	227	1	buchholz	buchholz	PROPN
fsr-3205	227	2	,	,	PUNCT
fsr-3205	227	3	t.	t.	PROPN
fsr-3205	227	4	(	(	PUNCT
fsr-3205	227	5	1998	1998	NUM
fsr-3205	227	6	)	)	PUNCT
fsr-3205	227	7	.	.	PUNCT
fsr-3205	228	1	hope	hope	NOUN
fsr-3205	228	2	and	and	CCONJ
fsr-3205	228	3	danger	danger	NOUN
fsr-3205	228	4	for	for	ADP
fsr-3205	228	5	economic	economic	ADJ
fsr-3205	228	6	literacy	literacy	NOUN
fsr-3205	228	7	.	.	PUNCT
fsr-3205	229	1	minneapolis	minneapolis	PROPN
fsr-3205	229	2	,	,	PUNCT
fsr-3205	229	3	mn	mn	PROPN
fsr-3205	229	4	:	:	PUNCT
fsr-3205	229	5	the	the	DET
fsr-3205	229	6	region	region	NOUN
fsr-3205	229	7	,	,	PUNCT
fsr-3205	229	8	federal	federal	PROPN
fsr-3205	229	9	reserve	reserve	PROPN
fsr-3205	229	10	bank	bank	PROPN
fsr-3205	229	11	of	of	ADP
fsr-3205	229	12	minneapolis	minneapolis	PROPN
fsr-3205	229	13	.	.	PUNCT
fsr-3205	230	1	chen	chen	PROPN
fsr-3205	230	2	,	,	PUNCT
fsr-3205	230	3	h.	h.	PROPN
fsr-3205	230	4	,	,	PUNCT
fsr-3205	230	5	&	&	CCONJ
fsr-3205	230	6	volp	volp	PROPN
fsr-3205	230	7	,	,	PUNCT
fsr-3205	230	8	r.	r.	PROPN
fsr-3205	230	9	(	(	PUNCT
fsr-3205	230	10	1998	1998	NUM
fsr-3205	230	11	)	)	PUNCT
fsr-3205	230	12	.	.	PUNCT
fsr-3205	231	1	an	an	DET
fsr-3205	231	2	analysis	analysis	NOUN
fsr-3205	231	3	of	of	ADP
fsr-3205	231	4	personal	personal	ADJ
fsr-3205	231	5	financial	financial	ADJ
fsr-3205	231	6	literacy	literacy	NOUN
fsr-3205	231	7	among	among	ADP
fsr-3205	231	8	college	college	NOUN
fsr-3205	231	9	students	student	NOUN
fsr-3205	231	10	.	.	PUNCT
fsr-3205	232	1	financial	financial	ADJ
fsr-3205	232	2	services	service	NOUN
fsr-3205	232	3	review	review	PROPN
fsr-3205	232	4	,	,	PUNCT
fsr-3205	232	5	7	7	NUM
fsr-3205	232	6	,	,	PUNCT
fsr-3205	232	7	107–128	107–128	NUM
fsr-3205	232	8	.	.	PUNCT
fsr-3205	233	1	christelis	christelis	PROPN
fsr-3205	233	2	,	,	PUNCT
fsr-3205	233	3	d.	d.	PROPN
fsr-3205	233	4	,	,	PUNCT
fsr-3205	233	5	jappelli	jappelli	PROPN
fsr-3205	233	6	,	,	PUNCT
fsr-3205	233	7	t.	t.	PROPN
fsr-3205	233	8	,	,	PUNCT
fsr-3205	233	9	&	&	CCONJ
fsr-3205	233	10	padula	padula	NOUN
fsr-3205	233	11	,	,	PUNCT
fsr-3205	233	12	m.	m.	NOUN
fsr-3205	233	13	(	(	PUNCT
fsr-3205	233	14	2010	2010	NUM
fsr-3205	233	15	)	)	PUNCT
fsr-3205	233	16	.	.	PUNCT
fsr-3205	234	1	cognitive	cognitive	ADJ
fsr-3205	234	2	abilities	ability	NOUN
fsr-3205	234	3	and	and	CCONJ
fsr-3205	234	4	portfolio	portfolio	NOUN
fsr-3205	234	5	choice	choice	NOUN
fsr-3205	234	6	.	.	PUNCT
fsr-3205	235	1	european	european	ADJ
fsr-3205	235	2	economic	economic	PROPN
fsr-3205	235	3	review	review	PROPN
fsr-3205	235	4	,	,	PUNCT
fsr-3205	235	5	54	54	NUM
fsr-3205	235	6	,	,	PUNCT
fsr-3205	235	7	18–39	18–39	NUM
fsr-3205	235	8	.	.	PUNCT
fsr-3205	236	1	dahl	dahl	PROPN
fsr-3205	236	2	,	,	PUNCT
fsr-3205	236	3	d.	d.	PROPN
fsr-3205	236	4	(	(	PUNCT
fsr-3205	236	5	1998	1998	NUM
fsr-3205	236	6	)	)	PUNCT
fsr-3205	236	7	.	.	PUNCT
fsr-3205	237	1	why	why	SCONJ
fsr-3205	237	2	johnny	johnny	PROPN
fsr-3205	237	3	ca	can	AUX
fsr-3205	237	4	n’t	not	PART
fsr-3205	237	5	choose	choose	VERB
fsr-3205	237	6	.	.	PUNCT
fsr-3205	238	1	minneapolis	minneapolis	PROPN
fsr-3205	238	2	,	,	PUNCT
fsr-3205	238	3	mn	mn	PROPN
fsr-3205	238	4	:	:	PUNCT
fsr-3205	238	5	the	the	DET
fsr-3205	238	6	region	region	NOUN
fsr-3205	238	7	,	,	PUNCT
fsr-3205	238	8	federal	federal	PROPN
fsr-3205	238	9	reserve	reserve	PROPN
fsr-3205	238	10	bank	bank	PROPN
fsr-3205	238	11	of	of	ADP
fsr-3205	238	12	minneapolis	minneapolis	PROPN
fsr-3205	238	13	.	.	PUNCT
fsr-3205	239	1	devaney	devaney	PROPN
fsr-3205	239	2	,	,	PUNCT
fsr-3205	239	3	s.	s.	PROPN
fsr-3205	239	4	a.	a.	PROPN
fsr-3205	239	5	,	,	PUNCT
fsr-3205	239	6	&	&	CCONJ
fsr-3205	239	7	lytton	lytton	PROPN
fsr-3205	239	8	,	,	PUNCT
fsr-3205	239	9	r.	r.	PROPN
fsr-3205	239	10	t.	t.	PROPN
fsr-3205	239	11	(	(	PUNCT
fsr-3205	239	12	1995	1995	NUM
fsr-3205	239	13	)	)	PUNCT
fsr-3205	239	14	.	.	PUNCT
fsr-3205	240	1	household	household	NOUN
fsr-3205	240	2	insolvency	insolvency	NOUN
fsr-3205	240	3	:	:	PUNCT
fsr-3205	240	4	a	a	DET
fsr-3205	240	5	review	review	NOUN
fsr-3205	240	6	of	of	ADP
fsr-3205	240	7	household	household	NOUN
fsr-3205	240	8	debt	debt	NOUN
fsr-3205	240	9	repayment	repayment	NOUN
fsr-3205	240	10	,	,	PUNCT
fsr-3205	240	11	delinquency	delinquency	NOUN
fsr-3205	240	12	and	and	CCONJ
fsr-3205	240	13	bankruptcy	bankruptcy	NOUN
fsr-3205	240	14	.	.	PUNCT
fsr-3205	241	1	financial	financial	ADJ
fsr-3205	241	2	services	service	NOUN
fsr-3205	241	3	review	review	PROPN
fsr-3205	241	4	,	,	PUNCT
fsr-3205	241	5	4	4	NUM
fsr-3205	241	6	,	,	PUNCT
fsr-3205	241	7	137–156	137–156	NUM
fsr-3205	241	8	.	.	PUNCT
fsr-3205	242	1	farrell	farrell	PROPN
fsr-3205	242	2	,	,	PUNCT
fsr-3205	242	3	c.	c.	PROPN
fsr-3205	242	4	(	(	PUNCT
fsr-3205	242	5	1999	1999	NUM
fsr-3205	242	6	)	)	PUNCT
fsr-3205	242	7	.	.	PUNCT
fsr-3205	243	1	we	we	PRON
fsr-3205	243	2	’re	’re	VERB
fsr-3205	243	3	all	all	DET
fsr-3205	243	4	economists	economist	NOUN
fsr-3205	243	5	.	.	PUNCT
fsr-3205	244	1	presented	present	VERB
fsr-3205	244	2	at	at	ADP
fsr-3205	244	3	the	the	DET
fsr-3205	244	4	economic	economic	ADJ
fsr-3205	244	5	literacy	literacy	NOUN
fsr-3205	244	6	symposium	symposium	NOUN
fsr-3205	244	7	,	,	PUNCT
fsr-3205	244	8	13	13	NUM
fsr-3205	244	9	may	may	NOUN
fsr-3205	244	10	.	.	PUNCT
fsr-3205	245	1	federal	federal	PROPN
fsr-3205	245	2	reserve	reserve	PROPN
fsr-3205	245	3	bank	bank	PROPN
fsr-3205	245	4	of	of	ADP
fsr-3205	245	5	minneapolis	minneapolis	PROPN
fsr-3205	245	6	.	.	PUNCT
fsr-3205	246	1	gerardi	gerardi	PROPN
fsr-3205	246	2	,	,	PUNCT
fsr-3205	246	3	k.	k.	PROPN
fsr-3205	246	4	,	,	PUNCT
fsr-3205	246	5	goette	goette	NOUN
fsr-3205	246	6	,	,	PUNCT
fsr-3205	246	7	l.	l.	PROPN
fsr-3205	246	8	,	,	PUNCT
fsr-3205	246	9	&	&	CCONJ
fsr-3205	246	10	meier	meier	PROPN
fsr-3205	246	11	,	,	PUNCT
fsr-3205	246	12	s.	s.	PROPN
fsr-3205	246	13	(	(	PUNCT
fsr-3205	246	14	2010	2010	NUM
fsr-3205	246	15	)	)	PUNCT
fsr-3205	246	16	.	.	PUNCT
fsr-3205	247	1	financial	financial	ADJ
fsr-3205	247	2	literacy	literacy	NOUN
fsr-3205	247	3	and	and	CCONJ
fsr-3205	247	4	subprime	subprime	ADJ
fsr-3205	247	5	mortgage	mortgage	NOUN
fsr-3205	247	6	delinquency	delinquency	NOUN
fsr-3205	247	7	:	:	PUNCT
fsr-3205	247	8	evidence	evidence	NOUN
fsr-3205	247	9	from	from	ADP
fsr-3205	247	10	a	a	DET
fsr-3205	247	11	survey	survey	NOUN
fsr-3205	247	12	matched	match	VERB
fsr-3205	247	13	to	to	ADP
fsr-3205	247	14	administrative	administrative	ADJ
fsr-3205	247	15	data	datum	NOUN
fsr-3205	247	16	.	.	PUNCT
fsr-3205	248	1	federal	federal	PROPN
fsr-3205	248	2	reserve	reserve	PROPN
fsr-3205	248	3	bank	bank	PROPN
fsr-3205	248	4	of	of	ADP
fsr-3205	248	5	atlanta	atlanta	PROPN
fsr-3205	248	6	,	,	PUNCT
fsr-3205	248	7	working	working	NOUN
fsr-3205	248	8	paper	paper	NOUN
fsr-3205	248	9	2010	2010	NUM
fsr-3205	248	10	-	-	SYM
fsr-3205	248	11	10	10	NUM
fsr-3205	248	12	.	.	PUNCT
fsr-3205	249	1	federal	federal	PROPN
fsr-3205	249	2	reserve	reserve	PROPN
fsr-3205	249	3	bank	bank	PROPN
fsr-3205	249	4	of	of	ADP
fsr-3205	249	5	atlanta	atlanta	PROPN
fsr-3205	249	6	.	.	PUNCT
fsr-3205	250	1	gupta	gupta	PROPN
fsr-3205	250	2	,	,	PUNCT
fsr-3205	250	3	a.	a.	NOUN
fsr-3205	250	4	(	(	PUNCT
fsr-3205	250	5	2006	2006	NUM
fsr-3205	250	6	)	)	PUNCT
fsr-3205	250	7	.	.	PUNCT
fsr-3205	251	1	why	why	SCONJ
fsr-3205	251	2	johnny	johnny	PROPN
fsr-3205	251	3	ca	can	AUX
fsr-3205	251	4	n’t	not	PART
fsr-3205	251	5	choose	choose	VERB
fsr-3205	251	6	:	:	PUNCT
fsr-3205	251	7	economic	economic	ADJ
fsr-3205	251	8	illiteracy	illiteracy	NOUN
fsr-3205	251	9	in	in	ADP
fsr-3205	251	10	america	america	PROPN
fsr-3205	251	11	.	.	PUNCT
fsr-3205	252	1	mid	mid	ADJ
fsr-3205	252	2	-	-	ADJ
fsr-3205	252	3	american	american	ADJ
fsr-3205	252	4	journal	journal	PROPN
fsr-3205	252	5	of	of	ADP
fsr-3205	252	6	business	business	NOUN
fsr-3205	252	7	,	,	PUNCT
fsr-3205	252	8	21	21	NUM
fsr-3205	252	9	,	,	PUNCT
fsr-3205	252	10	3–5	3–5	PROPN
fsr-3205	252	11	.	.	PUNCT
fsr-3205	253	1	hilgert	hilgert	PROPN
fsr-3205	253	2	,	,	PUNCT
fsr-3205	253	3	m.	m.	NOUN
fsr-3205	253	4	,	,	PUNCT
fsr-3205	253	5	hogarth	hogarth	NOUN
fsr-3205	253	6	,	,	PUNCT
fsr-3205	253	7	j.	j.	PROPN
fsr-3205	253	8	,	,	PUNCT
fsr-3205	253	9	&	&	CCONJ
fsr-3205	253	10	beverly	beverly	PROPN
fsr-3205	253	11	,	,	PUNCT
fsr-3205	253	12	s.	s.	PROPN
fsr-3205	253	13	(	(	PUNCT
fsr-3205	253	14	2003	2003	NUM
fsr-3205	253	15	)	)	PUNCT
fsr-3205	253	16	.	.	PUNCT
fsr-3205	254	1	household	household	NOUN
fsr-3205	254	2	financial	financial	ADJ
fsr-3205	254	3	management	management	NOUN
fsr-3205	254	4	:	:	PUNCT
fsr-3205	254	5	the	the	DET
fsr-3205	254	6	connection	connection	NOUN
fsr-3205	254	7	between	between	ADP
fsr-3205	254	8	knowledge	knowledge	NOUN
fsr-3205	254	9	and	and	CCONJ
fsr-3205	254	10	behavior	behavior	NOUN
fsr-3205	254	11	.	.	PUNCT
fsr-3205	255	1	federal	federal	PROPN
fsr-3205	255	2	reserve	reserve	PROPN
fsr-3205	255	3	bulletin	bulletin	PROPN
fsr-3205	255	4	,	,	PUNCT
fsr-3205	255	5	89	89	NUM
fsr-3205	255	6	,	,	PUNCT
fsr-3205	255	7	309–322	309–322	NUM
fsr-3205	255	8	.	.	PUNCT
fsr-3205	256	1	lusardi	lusardi	PROPN
fsr-3205	256	2	,	,	PUNCT
fsr-3205	256	3	a.	a.	NOUN
fsr-3205	256	4	(	(	PUNCT
fsr-3205	256	5	2004	2004	NUM
fsr-3205	256	6	)	)	PUNCT
fsr-3205	256	7	.	.	PUNCT
fsr-3205	257	1	saving	save	VERB
fsr-3205	257	2	and	and	CCONJ
fsr-3205	257	3	the	the	DET
fsr-3205	257	4	effectiveness	effectiveness	NOUN
fsr-3205	257	5	of	of	ADP
fsr-3205	257	6	financial	financial	ADJ
fsr-3205	257	7	education	education	NOUN
fsr-3205	257	8	.	.	PUNCT
fsr-3205	258	1	pension	pension	NOUN
fsr-3205	258	2	design	design	NOUN
fsr-3205	258	3	and	and	CCONJ
fsr-3205	258	4	structure	structure	NOUN
fsr-3205	258	5	:	:	PUNCT
fsr-3205	258	6	new	new	ADJ
fsr-3205	258	7	lessons	lesson	NOUN
fsr-3205	258	8	from	from	ADP
fsr-3205	258	9	behavioral	behavioral	ADJ
fsr-3205	258	10	finance	finance	NOUN
fsr-3205	258	11	(	(	PUNCT
fsr-3205	258	12	pp	pp	ADJ
fsr-3205	258	13	.	.	PUNCT
fsr-3205	259	1	157–84	157–84	NOUN
fsr-3205	259	2	)	)	PUNCT
fsr-3205	259	3	.	.	PUNCT
fsr-3205	260	1	oxford	oxford	NOUN
fsr-3205	260	2	:	:	PUNCT
fsr-3205	260	3	oxford	oxford	PROPN
fsr-3205	260	4	university	university	PROPN
fsr-3205	260	5	press	press	NOUN
fsr-3205	260	6	.	.	PUNCT
fsr-3205	261	1	lusardi	lusardi	PROPN
fsr-3205	261	2	,	,	PUNCT
fsr-3205	261	3	a.	a.	PROPN
fsr-3205	261	4	,	,	PUNCT
fsr-3205	261	5	&	&	CCONJ
fsr-3205	261	6	mitchell	mitchell	PROPN
fsr-3205	261	7	,	,	PUNCT
fsr-3205	261	8	o.	o.	PROPN
fsr-3205	261	9	(	(	PUNCT
fsr-3205	261	10	2007	2007	NUM
fsr-3205	261	11	)	)	PUNCT
fsr-3205	261	12	.	.	PUNCT
fsr-3205	262	1	baby	baby	NOUN
fsr-3205	262	2	boomer	boomer	PROPN
fsr-3205	262	3	retirement	retirement	PROPN
fsr-3205	262	4	security	security	PROPN
fsr-3205	262	5	:	:	PUNCT
fsr-3205	262	6	the	the	DET
fsr-3205	262	7	roles	role	NOUN
fsr-3205	262	8	of	of	ADP
fsr-3205	262	9	planning	planning	NOUN
fsr-3205	262	10	,	,	PUNCT
fsr-3205	262	11	financial	financial	ADJ
fsr-3205	262	12	literacy	literacy	NOUN
fsr-3205	262	13	,	,	PUNCT
fsr-3205	262	14	and	and	CCONJ
fsr-3205	262	15	housing	housing	NOUN
fsr-3205	262	16	wealth	wealth	NOUN
fsr-3205	262	17	.	.	PUNCT
fsr-3205	263	1	journal	journal	PROPN
fsr-3205	263	2	of	of	ADP
fsr-3205	263	3	monetary	monetary	ADJ
fsr-3205	263	4	economics	economic	NOUN
fsr-3205	263	5	,	,	PUNCT
fsr-3205	263	6	54	54	NUM
fsr-3205	263	7	,	,	PUNCT
fsr-3205	263	8	205–224	205–224	NUM
fsr-3205	263	9	.	.	PUNCT
fsr-3205	264	1	lusardi	lusardi	PROPN
fsr-3205	264	2	,	,	PUNCT
fsr-3205	264	3	a.	a.	PROPN
fsr-3205	264	4	,	,	PUNCT
fsr-3205	264	5	&	&	CCONJ
fsr-3205	264	6	mitchell	mitchell	PROPN
fsr-3205	264	7	,	,	PUNCT
fsr-3205	264	8	o.	o.	PROPN
fsr-3205	264	9	(	(	PUNCT
fsr-3205	264	10	2009	2009	NUM
fsr-3205	264	11	)	)	PUNCT
fsr-3205	264	12	.	.	PUNCT
fsr-3205	265	1	how	how	SCONJ
fsr-3205	265	2	ordinary	ordinary	ADJ
fsr-3205	265	3	consumers	consumer	NOUN
fsr-3205	265	4	make	make	VERB
fsr-3205	265	5	complex	complex	ADJ
fsr-3205	265	6	economic	economic	ADJ
fsr-3205	265	7	decisions	decision	NOUN
fsr-3205	265	8	:	:	PUNCT
fsr-3205	265	9	financial	financial	ADJ
fsr-3205	265	10	literacy	literacy	NOUN
fsr-3205	265	11	and	and	CCONJ
fsr-3205	265	12	retirement	retirement	NOUN
fsr-3205	265	13	readiness	readiness	NOUN
fsr-3205	265	14	.	.	PUNCT
fsr-3205	266	1	national	national	ADJ
fsr-3205	266	2	bureau	bureau	PROPN
fsr-3205	266	3	of	of	ADP
fsr-3205	266	4	economic	economic	ADJ
fsr-3205	266	5	research	research	NOUN
fsr-3205	266	6	,	,	PUNCT
fsr-3205	266	7	working	work	VERB
fsr-3205	266	8	paper	paper	NOUN
fsr-3205	266	9	15350	15350	NUM
fsr-3205	266	10	.	.	PUNCT
fsr-3205	267	1	national	national	PROPN
fsr-3205	267	2	bureau	bureau	PROPN
fsr-3205	267	3	of	of	ADP
fsr-3205	267	4	economic	economic	ADJ
fsr-3205	267	5	research	research	NOUN
fsr-3205	267	6	,	,	PUNCT
fsr-3205	267	7	cambridge	cambridge	PROPN
fsr-3205	267	8	.	.	PROPN
fsr-3205	268	1	338	338	NUM
fsr-3205	268	2	c.	c.	PROPN
fsr-3205	268	3	varum	varum	PROPN
fsr-3205	268	4	,	,	PUNCT
fsr-3205	268	5	a.	a.	PROPN
fsr-3205	268	6	kolyban	kolyban	PROPN
fsr-3205	268	7	/	/	SYM
fsr-3205	268	8	financial	financial	ADJ
fsr-3205	268	9	services	service	NOUN
fsr-3205	268	10	review	review	VERB
fsr-3205	268	11	23	23	NUM
fsr-3205	268	12	(	(	PUNCT
fsr-3205	268	13	2014	2014	NUM
fsr-3205	268	14	)	)	PUNCT
fsr-3205	268	15	325–339	325–339	NUM
fsr-3205	268	16	lusardi	lusardi	NOUN
fsr-3205	268	17	,	,	PUNCT
fsr-3205	268	18	a.	a.	NOUN
fsr-3205	268	19	,	,	PUNCT
fsr-3205	268	20	&	&	CCONJ
fsr-3205	268	21	tufano	tufano	ADJ
fsr-3205	268	22	,	,	PUNCT
fsr-3205	268	23	p.	p.	NOUN
fsr-3205	268	24	(	(	PUNCT
fsr-3205	268	25	2009	2009	NUM
fsr-3205	268	26	)	)	PUNCT
fsr-3205	268	27	.	.	PUNCT
fsr-3205	269	1	debt	debt	NOUN
fsr-3205	269	2	literacy	literacy	NOUN
fsr-3205	269	3	,	,	PUNCT
fsr-3205	269	4	financial	financial	ADJ
fsr-3205	269	5	experience	experience	NOUN
fsr-3205	269	6	and	and	CCONJ
fsr-3205	269	7	over	over	ADP
fsr-3205	269	8	-	-	PUNCT
fsr-3205	269	9	indebtedness	indebtedness	NOUN
fsr-3205	269	10	.	.	PUNCT
fsr-3205	270	1	national	national	PROPN
fsr-3205	270	2	bureau	bureau	PROPN
fsr-3205	270	3	of	of	ADP
fsr-3205	270	4	economic	economic	ADJ
fsr-3205	270	5	research	research	NOUN
fsr-3205	270	6	working	working	NOUN
fsr-3205	270	7	paper	paper	NOUN
fsr-3205	270	8	no	no	INTJ
fsr-3205	270	9	.	.	PUNCT
fsr-3205	271	1	w14808	w14808	PROPN
fsr-3205	271	2	.	.	PUNCT
fsr-3205	272	1	cambridge	cambridge	PROPN
fsr-3205	272	2	,	,	PUNCT
fsr-3205	272	3	ma	ma	PROPN
fsr-3205	272	4	:	:	PUNCT
fsr-3205	272	5	national	national	PROPN
fsr-3205	272	6	bureau	bureau	PROPN
fsr-3205	272	7	of	of	ADP
fsr-3205	272	8	economic	economic	ADJ
fsr-3205	272	9	research	research	NOUN
fsr-3205	272	10	.	.	PUNCT
fsr-3205	273	1	moore	moore	PROPN
fsr-3205	273	2	,	,	PUNCT
fsr-3205	273	3	d.	d.	PROPN
fsr-3205	273	4	(	(	PUNCT
fsr-3205	273	5	2003	2003	NUM
fsr-3205	273	6	)	)	PUNCT
fsr-3205	273	7	.	.	PUNCT
fsr-3205	274	1	survey	survey	NOUN
fsr-3205	274	2	of	of	ADP
fsr-3205	274	3	financial	financial	ADJ
fsr-3205	274	4	literacy	literacy	NOUN
fsr-3205	274	5	in	in	ADP
fsr-3205	274	6	washington	washington	PROPN
fsr-3205	274	7	state	state	PROPN
fsr-3205	274	8	:	:	PUNCT
fsr-3205	274	9	knowledge	knowledge	NOUN
fsr-3205	274	10	,	,	PUNCT
fsr-3205	274	11	behavior	behavior	NOUN
fsr-3205	274	12	,	,	PUNCT
fsr-3205	274	13	attitudes	attitude	NOUN
fsr-3205	274	14	,	,	PUNCT
fsr-3205	274	15	and	and	CCONJ
fsr-3205	274	16	experiences	experience	NOUN
fsr-3205	274	17	.	.	PUNCT
fsr-3205	275	1	technical	technical	ADJ
fsr-3205	275	2	report	report	PROPN
fsr-3205	275	3	n.	n.	PROPN
fsr-3205	275	4	03	03	NUM
fsr-3205	275	5	-	-	SYM
fsr-3205	275	6	39	39	NUM
fsr-3205	275	7	,	,	PUNCT
fsr-3205	275	8	social	social	ADJ
fsr-3205	275	9	and	and	CCONJ
fsr-3205	275	10	economic	economic	ADJ
fsr-3205	275	11	sciences	sciences	PROPN
fsr-3205	275	12	research	research	NOUN
fsr-3205	275	13	center	center	NOUN
fsr-3205	275	14	,	,	PUNCT
fsr-3205	275	15	washington	washington	PROPN
fsr-3205	275	16	state	state	PROPN
fsr-3205	275	17	university	university	PROPN
fsr-3205	275	18	,	,	PUNCT
fsr-3205	275	19	washington	washington	PROPN
fsr-3205	275	20	.	.	PUNCT
fsr-3205	276	1	pang	pang	PROPN
fsr-3205	276	2	,	,	PUNCT
fsr-3205	276	3	m.	m.	PROPN
fsr-3205	276	4	f.	f.	PROPN
fsr-3205	276	5	(	(	PUNCT
fsr-3205	276	6	2010	2010	NUM
fsr-3205	276	7	)	)	PUNCT
fsr-3205	276	8	.	.	PUNCT
fsr-3205	277	1	boosting	boost	VERB
fsr-3205	277	2	financial	financial	ADJ
fsr-3205	277	3	literacy	literacy	NOUN
fsr-3205	277	4	:	:	PUNCT
fsr-3205	277	5	benefits	benefit	NOUN
fsr-3205	277	6	from	from	ADP
fsr-3205	277	7	learning	learn	VERB
fsr-3205	277	8	study	study	NOUN
fsr-3205	277	9	.	.	PUNCT
fsr-3205	278	1	instructional	instructional	ADJ
fsr-3205	278	2	science	science	NOUN
fsr-3205	278	3	,	,	PUNCT
fsr-3205	278	4	38	38	NUM
fsr-3205	278	5	,	,	PUNCT
fsr-3205	278	6	659–677	659–677	NUM
fsr-3205	278	7	.	.	PUNCT
fsr-3205	279	1	perry	perry	PROPN
fsr-3205	279	2	,	,	PUNCT
fsr-3205	279	3	v.	v.	PROPN
fsr-3205	279	4	g.	g.	PROPN
fsr-3205	279	5	,	,	PUNCT
fsr-3205	279	6	&	&	CCONJ
fsr-3205	279	7	morris	morris	PROPN
fsr-3205	279	8	.	.	PROPN
fsr-3205	279	9	m.	m.	PROPN
fsr-3205	279	10	d.	d.	PROPN
fsr-3205	279	11	(	(	PUNCT
fsr-3205	279	12	2005	2005	NUM
fsr-3205	279	13	)	)	PUNCT
fsr-3205	279	14	.	.	PUNCT
fsr-3205	280	1	who	who	PRON
fsr-3205	280	2	is	be	AUX
fsr-3205	280	3	in	in	ADP
fsr-3205	280	4	control	control	NOUN
fsr-3205	280	5	?	?	PUNCT
fsr-3205	281	1	the	the	DET
fsr-3205	281	2	role	role	NOUN
fsr-3205	281	3	of	of	ADP
fsr-3205	281	4	self	self	NOUN
fsr-3205	281	5	-	-	PUNCT
fsr-3205	281	6	perception	perception	NOUN
fsr-3205	281	7	,	,	PUNCT
fsr-3205	281	8	knowledge	knowledge	NOUN
fsr-3205	281	9	and	and	CCONJ
fsr-3205	281	10	income	income	NOUN
fsr-3205	281	11	in	in	ADP
fsr-3205	281	12	explaining	explain	VERB
fsr-3205	281	13	consumer	consumer	NOUN
fsr-3205	281	14	financial	financial	ADJ
fsr-3205	281	15	behavior	behavior	NOUN
fsr-3205	281	16	.	.	PUNCT
fsr-3205	282	1	journal	journal	PROPN
fsr-3205	282	2	of	of	ADP
fsr-3205	282	3	consumer	consumer	NOUN
fsr-3205	282	4	affairs	affair	NOUN
fsr-3205	282	5	,	,	PUNCT
fsr-3205	282	6	39	39	NUM
fsr-3205	282	7	,	,	PUNCT
fsr-3205	282	8	299–313	299–313	NUM
fsr-3205	282	9	.	.	PUNCT
fsr-3205	283	1	organization	organization	NOUN
fsr-3205	283	2	for	for	ADP
fsr-3205	283	3	economic	economic	ADJ
fsr-3205	283	4	co	co	NOUN
fsr-3205	283	5	-	-	NOUN
fsr-3205	283	6	operation	operation	NOUN
fsr-3205	283	7	and	and	CCONJ
fsr-3205	283	8	development	development	NOUN
fsr-3205	283	9	.	.	PUNCT
fsr-3205	284	1	(	(	PUNCT
fsr-3205	284	2	2005	2005	NUM
fsr-3205	284	3	)	)	PUNCT
fsr-3205	284	4	.	.	PUNCT
fsr-3205	285	1	improving	improve	VERB
fsr-3205	285	2	financial	financial	ADJ
fsr-3205	285	3	literacy	literacy	NOUN
fsr-3205	285	4	:	:	PUNCT
fsr-3205	285	5	analysis	analysis	NOUN
fsr-3205	285	6	of	of	ADP
fsr-3205	285	7	issues	issue	NOUN
fsr-3205	285	8	and	and	CCONJ
fsr-3205	285	9	policies	policy	NOUN
fsr-3205	285	10	,	,	PUNCT
fsr-3205	285	11	paris	paris	PROPN
fsr-3205	285	12	,	,	PUNCT
fsr-3205	285	13	france	france	PROPN
fsr-3205	285	14	.	.	PUNCT
fsr-3205	286	1	oecd	oecd	PROPN
fsr-3205	286	2	,	,	PUNCT
fsr-3205	286	3	paris	paris	PROPN
fsr-3205	286	4	,	,	PUNCT
fsr-3205	286	5	france	france	PROPN
fsr-3205	286	6	.	.	PUNCT
fsr-3205	286	7	remund	remund	PROPN
fsr-3205	286	8	,	,	PUNCT
fsr-3205	286	9	d.	d.	PROPN
fsr-3205	286	10	l.	l.	PROPN
fsr-3205	286	11	(	(	PUNCT
fsr-3205	286	12	2010	2010	NUM
fsr-3205	286	13	)	)	PUNCT
fsr-3205	286	14	.	.	PUNCT
fsr-3205	287	1	financial	financial	ADJ
fsr-3205	287	2	literacy	literacy	NOUN
fsr-3205	287	3	explicated	explicate	VERB
fsr-3205	287	4	:	:	PUNCT
fsr-3205	287	5	the	the	DET
fsr-3205	287	6	case	case	NOUN
fsr-3205	287	7	for	for	ADP
fsr-3205	287	8	a	a	DET
fsr-3205	287	9	clearer	clear	ADJ
fsr-3205	287	10	definition	definition	NOUN
fsr-3205	287	11	in	in	ADP
fsr-3205	287	12	an	an	DET
fsr-3205	287	13	increasingly	increasingly	ADV
fsr-3205	287	14	complex	complex	ADJ
fsr-3205	287	15	economy	economy	NOUN
fsr-3205	287	16	.	.	PUNCT
fsr-3205	288	1	journal	journal	PROPN
fsr-3205	288	2	of	of	ADP
fsr-3205	288	3	consumer	consumer	NOUN
fsr-3205	288	4	affairs	affair	NOUN
fsr-3205	288	5	,	,	PUNCT
fsr-3205	288	6	44	44	NUM
fsr-3205	288	7	,	,	PUNCT
fsr-3205	288	8	276–295	276–295	NUM
fsr-3205	288	9	.	.	PUNCT
fsr-3205	289	1	smith	smith	PROPN
fsr-3205	289	2	,	,	PUNCT
fsr-3205	289	3	j.	j.	PROPN
fsr-3205	289	4	,	,	PUNCT
fsr-3205	289	5	mcardle	mcardle	PROPN
fsr-3205	289	6	,	,	PUNCT
fsr-3205	289	7	j.	j.	PROPN
fsr-3205	289	8	,	,	PUNCT
fsr-3205	289	9	&	&	CCONJ
fsr-3205	289	10	willis	willis	PROPN
fsr-3205	289	11	,	,	PUNCT
fsr-3205	289	12	r.	r.	PROPN
fsr-3205	289	13	(	(	PUNCT
fsr-3205	289	14	2010	2010	NUM
fsr-3205	289	15	)	)	PUNCT
fsr-3205	289	16	.	.	PUNCT
fsr-3205	290	1	financial	financial	ADJ
fsr-3205	290	2	decision	decision	NOUN
fsr-3205	290	3	making	making	NOUN
fsr-3205	290	4	and	and	CCONJ
fsr-3205	290	5	cognition	cognition	NOUN
fsr-3205	290	6	in	in	ADP
fsr-3205	290	7	a	a	DET
fsr-3205	290	8	family	family	NOUN
fsr-3205	290	9	context	context	NOUN
fsr-3205	290	10	.	.	PUNCT
fsr-3205	291	1	economic	economic	ADJ
fsr-3205	291	2	journal	journal	NOUN
fsr-3205	291	3	,	,	PUNCT
fsr-3205	291	4	120	120	NUM
fsr-3205	291	5	,	,	PUNCT
fsr-3205	291	6	363–380	363–380	NUM
fsr-3205	291	7	.	.	PUNCT
fsr-3205	292	1	van	van	PROPN
fsr-3205	292	2	rooij	rooij	NOUN
fsr-3205	292	3	,	,	PUNCT
fsr-3205	292	4	m.	m.	NOUN
fsr-3205	292	5	,	,	PUNCT
fsr-3205	292	6	lusardi	lusardi	PROPN
fsr-3205	292	7	,	,	PUNCT
fsr-3205	292	8	a.	a.	NOUN
fsr-3205	292	9	,	,	PUNCT
fsr-3205	292	10	&	&	CCONJ
fsr-3205	292	11	alessie	alessie	PROPN
fsr-3205	292	12	,	,	PUNCT
fsr-3205	292	13	r.	r.	PROPN
fsr-3205	292	14	(	(	PUNCT
fsr-3205	292	15	2011	2011	NUM
fsr-3205	292	16	)	)	PUNCT
fsr-3205	292	17	.	.	PUNCT
fsr-3205	293	1	financial	financial	ADJ
fsr-3205	293	2	literacy	literacy	NOUN
fsr-3205	293	3	and	and	CCONJ
fsr-3205	293	4	stock	stock	NOUN
fsr-3205	293	5	market	market	NOUN
fsr-3205	293	6	participation	participation	NOUN
fsr-3205	293	7	.	.	PUNCT
fsr-3205	294	1	journal	journal	NOUN
fsr-3205	294	2	of	of	ADP
fsr-3205	294	3	financial	financial	ADJ
fsr-3205	294	4	economics	economic	NOUN
fsr-3205	294	5	,	,	PUNCT
fsr-3205	294	6	101	101	NUM
fsr-3205	294	7	,	,	PUNCT
fsr-3205	294	8	449–72	449–72	NUM
fsr-3205	294	9	.	.	PUNCT
fsr-3205	295	1	van	van	PROPN
fsr-3205	295	2	rooij	rooij	NOUN
fsr-3205	295	3	,	,	PUNCT
fsr-3205	295	4	m.	m.	NOUN
fsr-3205	295	5	,	,	PUNCT
fsr-3205	295	6	lusardi	lusardi	PROPN
fsr-3205	295	7	,	,	PUNCT
fsr-3205	295	8	a.	a.	NOUN
fsr-3205	295	9	,	,	PUNCT
fsr-3205	295	10	&	&	CCONJ
fsr-3205	295	11	alessie	alessie	PROPN
fsr-3205	295	12	,	,	PUNCT
fsr-3205	295	13	r.	r.	PROPN
fsr-3205	295	14	(	(	PUNCT
fsr-3205	295	15	2012	2012	NUM
fsr-3205	295	16	)	)	PUNCT
fsr-3205	295	17	.	.	PUNCT
fsr-3205	296	1	financial	financial	ADJ
fsr-3205	296	2	literacy	literacy	NOUN
fsr-3205	296	3	,	,	PUNCT
fsr-3205	296	4	retirement	retirement	NOUN
fsr-3205	296	5	planning	planning	NOUN
fsr-3205	296	6	and	and	CCONJ
fsr-3205	296	7	household	household	NOUN
fsr-3205	296	8	wealth	wealth	NOUN
fsr-3205	296	9	.	.	PUNCT
fsr-3205	297	1	the	the	DET
fsr-3205	297	2	economic	economic	ADJ
fsr-3205	297	3	journal	journal	NOUN
fsr-3205	297	4	,	,	PUNCT
fsr-3205	297	5	122	122	NUM
fsr-3205	297	6	,	,	PUNCT
fsr-3205	297	7	449–478	449–478	NUM
fsr-3205	297	8	.	.	PUNCT
fsr-3205	297	9	yoong	yoong	PROPN
fsr-3205	297	10	,	,	PUNCT
fsr-3205	297	11	j.	j.	PROPN
fsr-3205	297	12	(	(	PUNCT
fsr-3205	297	13	2011	2011	NUM
fsr-3205	297	14	)	)	PUNCT
fsr-3205	297	15	.	.	PUNCT
fsr-3205	298	1	financial	financial	ADJ
fsr-3205	298	2	illiteracy	illiteracy	NOUN
fsr-3205	298	3	and	and	CCONJ
fsr-3205	298	4	stock	stock	NOUN
fsr-3205	298	5	market	market	NOUN
fsr-3205	298	6	participation	participation	NOUN
fsr-3205	298	7	:	:	PUNCT
fsr-3205	298	8	evidence	evidence	NOUN
fsr-3205	298	9	from	from	ADP
fsr-3205	298	10	the	the	DET
fsr-3205	298	11	rand	rand	NOUN
fsr-3205	298	12	american	american	PROPN
fsr-3205	298	13	life	life	PROPN
fsr-3205	298	14	panel	panel	NOUN
fsr-3205	298	15	.	.	PUNCT
fsr-3205	299	1	in	in	ADP
fsr-3205	299	2	a.	a.	PROPN
fsr-3205	299	3	lusardi	lusardi	PROPN
fsr-3205	299	4	&	&	CCONJ
fsr-3205	299	5	o.	o.	PROPN
fsr-3205	299	6	mitchell	mitchell	PROPN
fsr-3205	299	7	(	(	PUNCT
fsr-3205	299	8	eds	eds	PROPN
fsr-3205	299	9	.	.	PUNCT
fsr-3205	299	10	)	)	PUNCT
fsr-3205	299	11	,	,	PUNCT
fsr-3205	299	12	financial	financial	ADJ
fsr-3205	299	13	literacy	literacy	NOUN
fsr-3205	299	14	:	:	PUNCT
fsr-3205	299	15	implications	implication	NOUN
fsr-3205	299	16	for	for	ADP
fsr-3205	299	17	retirement	retirement	NOUN
fsr-3205	299	18	security	security	NOUN
fsr-3205	299	19	and	and	CCONJ
fsr-3205	299	20	the	the	DET
fsr-3205	299	21	financial	financial	ADJ
fsr-3205	299	22	marketplace	marketplace	NOUN
fsr-3205	299	23	(	(	PUNCT
fsr-3205	299	24	pp	pp	ADJ
fsr-3205	299	25	.	.	PUNCT
fsr-3205	299	26	76–100	76–100	NUM
fsr-3205	299	27	)	)	PUNCT
fsr-3205	299	28	.	.	PUNCT
fsr-3205	300	1	oxford	oxford	NOUN
fsr-3205	300	2	:	:	PUNCT
fsr-3205	300	3	oxford	oxford	PROPN
fsr-3205	300	4	university	university	PROPN
fsr-3205	300	5	press	press	NOUN
fsr-3205	300	6	.	.	PUNCT
fsr-3205	301	1	339c	339c	NOUN
fsr-3205	301	2	.	.	PUNCT
fsr-3205	302	1	varum	varum	PROPN
fsr-3205	302	2	,	,	PUNCT
fsr-3205	302	3	a.	a.	PROPN
fsr-3205	302	4	kolyban	kolyban	PROPN
fsr-3205	302	5	/	/	SYM
fsr-3205	302	6	financial	financial	ADJ
fsr-3205	302	7	services	service	NOUN
fsr-3205	302	8	review	review	VERB
fsr-3205	302	9	23	23	NUM
fsr-3205	302	10	(	(	PUNCT
fsr-3205	302	11	2014	2014	NUM
fsr-3205	302	12	)	)	PUNCT
fsr-3205	303	1	325–339	325–339	NUM