id	sid	tid	token	lemma	pos
fsr-3213	1	1	behavioral	behavioral	ADJ
fsr-3213	1	2	and	and	CCONJ
fsr-3213	1	3	wealth	wealth	NOUN
fsr-3213	1	4	considerations	consideration	NOUN
fsr-3213	1	5	for	for	ADP
fsr-3213	1	6	seeking	seek	VERB
fsr-3213	1	7	professional	professional	ADJ
fsr-3213	1	8	financial	financial	ADJ
fsr-3213	1	9	planning	planning	NOUN
fsr-3213	1	10	help	help	NOUN
fsr-3213	1	11	jodi	jodi	PROPN
fsr-3213	1	12	letkiewicz	letkiewicz	PROPN
fsr-3213	1	13	,	,	PUNCT
fsr-3213	1	14	ph.d.a	ph.d.a	PROPN
fsr-3213	1	15	,	,	PUNCT
fsr-3213	1	16	*	*	PUNCT
fsr-3213	1	17	,	,	PUNCT
fsr-3213	1	18	chris	chris	PROPN
fsr-3213	1	19	robinson	robinson	PROPN
fsr-3213	1	20	,	,	PUNCT
fsr-3213	1	21	ph.d	ph.d	PROPN
fsr-3213	1	22	.	.	PROPN
fsr-3213	1	23	,	,	PUNCT
fsr-3213	1	24	cfp	cfp	PROPN
fsr-3213	1	25	�	�	PROPN
fsr-3213	1	26	a	a	PROPN
fsr-3213	1	27	,	,	PUNCT
fsr-3213	1	28	dale	dale	PROPN
fsr-3213	1	29	domian	domian	PROPN
fsr-3213	1	30	,	,	PUNCT
fsr-3213	1	31	ph.d	ph.d	PROPN
fsr-3213	1	32	.	.	PROPN
fsr-3213	1	33	,	,	PUNCT
fsr-3213	1	34	cfp	cfp	PROPN
fsr-3213	1	35	�	�	PROPN
fsr-3213	1	36	a	a	DET
fsr-3213	1	37	aschool	aschool	NOUN
fsr-3213	1	38	of	of	ADP
fsr-3213	1	39	administrative	administrative	ADJ
fsr-3213	1	40	studies	study	NOUN
fsr-3213	1	41	,	,	PUNCT
fsr-3213	1	42	york	york	PROPN
fsr-3213	1	43	university	university	PROPN
fsr-3213	1	44	,	,	PUNCT
fsr-3213	1	45	toronto	toronto	PROPN
fsr-3213	1	46	,	,	PUNCT
fsr-3213	1	47	ontario	ontario	PROPN
fsr-3213	1	48	,	,	PUNCT
fsr-3213	1	49	canada	canada	PROPN
fsr-3213	1	50	m3j	m3j	PROPN
fsr-3213	1	51	1p3	1p3	NUM
fsr-3213	1	52	abstract	abstract	NOUN
fsr-3213	1	53	this	this	DET
fsr-3213	1	54	study	study	NOUN
fsr-3213	1	55	uses	use	VERB
fsr-3213	1	56	a	a	DET
fsr-3213	1	57	canadian	canadian	ADJ
fsr-3213	1	58	survey	survey	NOUN
fsr-3213	1	59	to	to	PART
fsr-3213	1	60	examine	examine	VERB
fsr-3213	1	61	the	the	DET
fsr-3213	1	62	decisions	decision	NOUN
fsr-3213	1	63	to	to	PART
fsr-3213	1	64	seek	seek	VERB
fsr-3213	1	65	professional	professional	ADJ
fsr-3213	1	66	financial	financial	ADJ
fsr-3213	1	67	planning	planning	NOUN
fsr-3213	1	68	help	help	NOUN
fsr-3213	1	69	.	.	PUNCT
fsr-3213	2	1	we	we	PRON
fsr-3213	2	2	find	find	VERB
fsr-3213	2	3	that	that	SCONJ
fsr-3213	2	4	people	people	NOUN
fsr-3213	2	5	who	who	PRON
fsr-3213	2	6	use	use	VERB
fsr-3213	2	7	a	a	DET
fsr-3213	2	8	financial	financial	ADJ
fsr-3213	2	9	planner	planner	NOUN
fsr-3213	2	10	have	have	VERB
fsr-3213	2	11	more	more	ADJ
fsr-3213	2	12	wealth	wealth	NOUN
fsr-3213	2	13	,	,	PUNCT
fsr-3213	2	14	lower	low	ADJ
fsr-3213	2	15	subjective	subjective	ADJ
fsr-3213	2	16	financial	financial	ADJ
fsr-3213	2	17	stress	stress	NOUN
fsr-3213	2	18	,	,	PUNCT
fsr-3213	2	19	and	and	CCONJ
fsr-3213	2	20	higher	high	ADJ
fsr-3213	2	21	financial	financial	ADJ
fsr-3213	2	22	self	self	NOUN
fsr-3213	2	23	-	-	PUNCT
fsr-3213	2	24	efficacy	efficacy	NOUN
fsr-3213	2	25	than	than	ADP
fsr-3213	2	26	people	people	NOUN
fsr-3213	2	27	who	who	PRON
fsr-3213	2	28	do	do	AUX
fsr-3213	2	29	not	not	PART
fsr-3213	2	30	use	use	VERB
fsr-3213	2	31	a	a	DET
fsr-3213	2	32	financial	financial	ADJ
fsr-3213	2	33	planner	planner	NOUN
fsr-3213	2	34	.	.	PUNCT
fsr-3213	3	1	using	use	VERB
fsr-3213	3	2	the	the	DET
fsr-3213	3	3	longitudinal	longitudinal	ADJ
fsr-3213	3	4	design	design	NOUN
fsr-3213	3	5	of	of	ADP
fsr-3213	3	6	the	the	DET
fsr-3213	3	7	survey	survey	NOUN
fsr-3213	3	8	we	we	PRON
fsr-3213	3	9	find	find	VERB
fsr-3213	3	10	that	that	SCONJ
fsr-3213	3	11	people	people	NOUN
fsr-3213	3	12	with	with	ADP
fsr-3213	3	13	higher	high	ADJ
fsr-3213	3	14	self	self	NOUN
fsr-3213	3	15	-	-	PUNCT
fsr-3213	3	16	efficacy	efficacy	NOUN
fsr-3213	3	17	in	in	ADP
fsr-3213	3	18	period	period	NOUN
fsr-3213	3	19	t-1	t-1	PROPN
fsr-3213	3	20	are	be	AUX
fsr-3213	3	21	more	more	ADV
fsr-3213	3	22	likely	likely	ADJ
fsr-3213	3	23	to	to	PART
fsr-3213	3	24	seek	seek	VERB
fsr-3213	3	25	help	help	NOUN
fsr-3213	3	26	in	in	ADP
fsr-3213	3	27	period	period	NOUN
fsr-3213	3	28	t	t	PROPN
fsr-3213	3	29	,	,	PUNCT
fsr-3213	3	30	leading	lead	VERB
fsr-3213	3	31	to	to	ADP
fsr-3213	3	32	the	the	DET
fsr-3213	3	33	conclusion	conclusion	NOUN
fsr-3213	3	34	that	that	SCONJ
fsr-3213	3	35	high	high	ADJ
fsr-3213	3	36	self	self	NOUN
fsr-3213	3	37	-	-	PUNCT
fsr-3213	3	38	efficacy	efficacy	NOUN
fsr-3213	3	39	drives	drive	VERB
fsr-3213	3	40	one	one	NUM
fsr-3213	3	41	to	to	PART
fsr-3213	3	42	seek	seek	VERB
fsr-3213	3	43	financial	financial	ADJ
fsr-3213	3	44	planning	planning	NOUN
fsr-3213	3	45	help	help	NOUN
fsr-3213	3	46	.	.	PUNCT
fsr-3213	4	1	we	we	PRON
fsr-3213	4	2	do	do	AUX
fsr-3213	4	3	not	not	PART
fsr-3213	4	4	find	find	VERB
fsr-3213	4	5	that	that	SCONJ
fsr-3213	4	6	subjective	subjective	ADJ
fsr-3213	4	7	financial	financial	ADJ
fsr-3213	4	8	stress	stress	NOUN
fsr-3213	4	9	leads	lead	VERB
fsr-3213	4	10	one	one	NUM
fsr-3213	4	11	to	to	PART
fsr-3213	4	12	seek	seek	VERB
fsr-3213	4	13	financial	financial	ADJ
fsr-3213	4	14	planning	planning	NOUN
fsr-3213	4	15	help	help	NOUN
fsr-3213	4	16	.	.	PUNCT
fsr-3213	5	1	implications	implication	NOUN
fsr-3213	5	2	for	for	ADP
fsr-3213	5	3	practitioners	practitioner	NOUN
fsr-3213	5	4	,	,	PUNCT
fsr-3213	5	5	consumers	consumer	NOUN
fsr-3213	5	6	,	,	PUNCT
fsr-3213	5	7	and	and	CCONJ
fsr-3213	5	8	policy	policy	NOUN
fsr-3213	5	9	makers	maker	NOUN
fsr-3213	5	10	are	be	AUX
fsr-3213	5	11	discussed	discuss	VERB
fsr-3213	5	12	.	.	PUNCT
fsr-3213	6	1	©	©	PROPN
fsr-3213	6	2	2016	2016	NUM
fsr-3213	6	3	academy	academy	NOUN
fsr-3213	6	4	of	of	ADP
fsr-3213	6	5	financial	financial	ADJ
fsr-3213	6	6	services	service	NOUN
fsr-3213	6	7	.	.	PUNCT
fsr-3213	7	1	all	all	DET
fsr-3213	7	2	rights	right	NOUN
fsr-3213	7	3	reserved	reserve	VERB
fsr-3213	7	4	.	.	PUNCT
fsr-3213	8	1	jel	jel	PROPN
fsr-3213	8	2	classification	classification	NOUN
fsr-3213	8	3	:	:	PUNCT
fsr-3213	8	4	d14	d14	NOUN
fsr-3213	8	5	(	(	PUNCT
fsr-3213	8	6	household	household	NOUN
fsr-3213	8	7	saving	saving	NOUN
fsr-3213	8	8	;	;	PUNCT
fsr-3213	8	9	personal	personal	ADJ
fsr-3213	8	10	finance	finance	NOUN
fsr-3213	8	11	)	)	PUNCT
fsr-3213	8	12	;	;	PUNCT
fsr-3213	8	13	g20	g20	NOUN
fsr-3213	8	14	(	(	PUNCT
fsr-3213	8	15	financial	financial	ADJ
fsr-3213	8	16	institutions	institution	NOUN
fsr-3213	8	17	and	and	CCONJ
fsr-3213	8	18	services	service	NOUN
fsr-3213	8	19	:	:	PUNCT
fsr-3213	8	20	general	general	ADJ
fsr-3213	8	21	)	)	PUNCT
fsr-3213	8	22	;	;	PUNCT
fsr-3213	8	23	p46	p46	NOUN
fsr-3213	8	24	(	(	PUNCT
fsr-3213	8	25	consumer	consumer	NOUN
fsr-3213	8	26	economics	economic	NOUN
fsr-3213	8	27	)	)	PUNCT
fsr-3213	8	28	keywords	keyword	NOUN
fsr-3213	8	29	:	:	PUNCT
fsr-3213	8	30	financial	financial	ADJ
fsr-3213	8	31	planning	planning	NOUN
fsr-3213	8	32	;	;	PUNCT
fsr-3213	8	33	help	help	VERB
fsr-3213	8	34	-	-	PUNCT
fsr-3213	8	35	seeking	seeking	NOUN
fsr-3213	8	36	;	;	PUNCT
fsr-3213	8	37	financial	financial	ADJ
fsr-3213	8	38	stress	stress	NOUN
fsr-3213	8	39	;	;	PUNCT
fsr-3213	8	40	self	self	NOUN
fsr-3213	8	41	-	-	PUNCT
fsr-3213	8	42	efficacy	efficacy	NOUN
fsr-3213	8	43	1	1	NUM
fsr-3213	8	44	.	.	PUNCT
fsr-3213	9	1	introduction	introduction	NOUN
fsr-3213	9	2	whether	whether	SCONJ
fsr-3213	9	3	a	a	DET
fsr-3213	9	4	financial	financial	ADJ
fsr-3213	9	5	planner	planner	NOUN
fsr-3213	9	6	helps	help	VERB
fsr-3213	9	7	increase	increase	VERB
fsr-3213	9	8	well	well	ADV
fsr-3213	9	9	-	-	PUNCT
fsr-3213	9	10	being	being	NOUN
fsr-3213	9	11	has	have	AUX
fsr-3213	9	12	become	become	VERB
fsr-3213	9	13	particularly	particularly	ADV
fsr-3213	9	14	relevant	relevant	ADJ
fsr-3213	9	15	in	in	ADP
fsr-3213	9	16	recent	recent	ADJ
fsr-3213	9	17	years	year	NOUN
fsr-3213	9	18	given	give	VERB
fsr-3213	9	19	the	the	DET
fsr-3213	9	20	increased	increase	VERB
fsr-3213	9	21	responsibilities	responsibility	NOUN
fsr-3213	9	22	shouldered	shoulder	VERB
fsr-3213	9	23	by	by	ADP
fsr-3213	9	24	consumers	consumer	NOUN
fsr-3213	9	25	and	and	CCONJ
fsr-3213	9	26	the	the	DET
fsr-3213	9	27	complexities	complexity	NOUN
fsr-3213	9	28	of	of	ADP
fsr-3213	9	29	the	the	DET
fsr-3213	9	30	financial	financial	ADJ
fsr-3213	9	31	marketplace	marketplace	NOUN
fsr-3213	9	32	.	.	PUNCT
fsr-3213	10	1	we	we	PRON
fsr-3213	10	2	use	use	VERB
fsr-3213	10	3	the	the	DET
fsr-3213	10	4	transtheoretical	transtheoretical	ADJ
fsr-3213	10	5	model	model	NOUN
fsr-3213	10	6	of	of	ADP
fsr-3213	10	7	behavioral	behavioral	ADJ
fsr-3213	10	8	change	change	NOUN
fsr-3213	10	9	(	(	PUNCT
fsr-3213	10	10	prochaska	prochaska	ADJ
fsr-3213	10	11	,	,	PUNCT
fsr-3213	10	12	1984	1984	NUM
fsr-3213	10	13	)	)	PUNCT
fsr-3213	10	14	and	and	CCONJ
fsr-3213	10	15	theories	theory	NOUN
fsr-3213	10	16	of	of	ADP
fsr-3213	10	17	stress	stress	NOUN
fsr-3213	10	18	and	and	CCONJ
fsr-3213	10	19	coping	cope	VERB
fsr-3213	10	20	(	(	PUNCT
fsr-3213	10	21	lazarus	lazarus	PROPN
fsr-3213	10	22	,	,	PUNCT
fsr-3213	10	23	1991	1991	NUM
fsr-3213	10	24	)	)	PUNCT
fsr-3213	10	25	to	to	PART
fsr-3213	10	26	form	form	VERB
fsr-3213	10	27	hypotheses	hypothesis	NOUN
fsr-3213	10	28	relating	relate	VERB
fsr-3213	10	29	self	self	NOUN
fsr-3213	10	30	-	-	PUNCT
fsr-3213	10	31	efficacy	efficacy	NOUN
fsr-3213	10	32	,	,	PUNCT
fsr-3213	10	33	stress	stress	NOUN
fsr-3213	10	34	,	,	PUNCT
fsr-3213	10	35	and	and	CCONJ
fsr-3213	10	36	wealth	wealth	NOUN
fsr-3213	10	37	with	with	ADP
fsr-3213	10	38	a	a	DET
fsr-3213	10	39	consumer	consumer	NOUN
fsr-3213	10	40	’s	’s	PART
fsr-3213	10	41	decision	decision	NOUN
fsr-3213	10	42	to	to	PART
fsr-3213	10	43	seek	seek	VERB
fsr-3213	10	44	professional	professional	ADJ
fsr-3213	10	45	*	*	PUNCT
fsr-3213	10	46	corresponding	correspond	VERB
fsr-3213	10	47	author	author	NOUN
fsr-3213	10	48	.	.	PUNCT
fsr-3213	11	1	tel	tel	PROPN
fsr-3213	11	2	.	.	PUNCT
fsr-3213	11	3	:	:	PUNCT
fsr-3213	12	1	�	�	PROPN
fsr-3213	12	2	1	1	NUM
fsr-3213	12	3	-	-	SYM
fsr-3213	12	4	416	416	NUM
fsr-3213	12	5	-	-	PUNCT
fsr-3213	12	6	736	736	NUM
fsr-3213	12	7	-	-	SYM
fsr-3213	12	8	2100	2100	NUM
fsr-3213	12	9	;	;	PUNCT
fsr-3213	12	10	ext	ext	NOUN
fsr-3213	12	11	.	.	PROPN
fsr-3213	12	12	33630	33630	NUM
fsr-3213	12	13	.	.	PUNCT
fsr-3213	13	1	e	e	X
fsr-3213	13	2	-	-	NOUN
fsr-3213	13	3	mail	mail	NOUN
fsr-3213	13	4	address	address	NOUN
fsr-3213	13	5	:	:	PUNCT
fsr-3213	13	6	jodilet@yorku.ca	jodilet@yorku.ca	PROPN
fsr-3213	13	7	(	(	PUNCT
fsr-3213	13	8	j.	j.	PROPN
fsr-3213	13	9	letkiewicz	letkiewicz	PROPN
fsr-3213	13	10	)	)	PUNCT
fsr-3213	13	11	financial	financial	ADJ
fsr-3213	13	12	services	service	NOUN
fsr-3213	13	13	review	review	VERB
fsr-3213	13	14	25	25	NUM
fsr-3213	13	15	(	(	PUNCT
fsr-3213	13	16	2016	2016	NUM
fsr-3213	13	17	)	)	PUNCT
fsr-3213	13	18	105–126	105–126	NUM
fsr-3213	13	19	1057	1057	NUM
fsr-3213	13	20	-	-	PUNCT
fsr-3213	13	21	0810/16/$	0810/16/$	ADV
fsr-3213	13	22	–	–	PUNCT
fsr-3213	13	23	see	see	VERB
fsr-3213	13	24	front	front	ADJ
fsr-3213	13	25	matter	matter	NOUN
fsr-3213	13	26	©	©	PROPN
fsr-3213	13	27	2016	2016	NUM
fsr-3213	13	28	academy	academy	NOUN
fsr-3213	13	29	of	of	ADP
fsr-3213	13	30	financial	financial	ADJ
fsr-3213	13	31	services	service	NOUN
fsr-3213	13	32	.	.	PUNCT
fsr-3213	14	1	all	all	DET
fsr-3213	14	2	rights	right	NOUN
fsr-3213	14	3	reserved	reserve	VERB
fsr-3213	14	4	.	.	PUNCT
fsr-3213	15	1	financial	financial	ADJ
fsr-3213	15	2	help	help	NOUN
fsr-3213	15	3	.	.	PUNCT
fsr-3213	16	1	a	a	DET
fsr-3213	16	2	critical	critical	ADJ
fsr-3213	16	3	concept	concept	NOUN
fsr-3213	16	4	in	in	ADP
fsr-3213	16	5	our	our	PRON
fsr-3213	16	6	research	research	NOUN
fsr-3213	16	7	is	be	AUX
fsr-3213	16	8	self	self	NOUN
fsr-3213	16	9	-	-	PUNCT
fsr-3213	16	10	efficacy	efficacy	NOUN
fsr-3213	16	11	,	,	PUNCT
fsr-3213	16	12	which	which	PRON
fsr-3213	16	13	refers	refer	VERB
fsr-3213	16	14	to	to	ADP
fsr-3213	16	15	people	people	NOUN
fsr-3213	16	16	’s	’s	PART
fsr-3213	16	17	beliefs	belief	NOUN
fsr-3213	16	18	in	in	ADP
fsr-3213	16	19	their	their	PRON
fsr-3213	16	20	capabilities	capability	NOUN
fsr-3213	16	21	to	to	PART
fsr-3213	16	22	produce	produce	VERB
fsr-3213	16	23	a	a	DET
fsr-3213	16	24	desired	desire	VERB
fsr-3213	16	25	outcome	outcome	NOUN
fsr-3213	16	26	(	(	PUNCT
fsr-3213	16	27	bandura	bandura	NOUN
fsr-3213	16	28	,	,	PUNCT
fsr-3213	16	29	1997	1997	NUM
fsr-3213	16	30	)	)	PUNCT
fsr-3213	16	31	.	.	PUNCT
fsr-3213	17	1	we	we	PRON
fsr-3213	17	2	use	use	VERB
fsr-3213	17	3	a	a	DET
fsr-3213	17	4	large	large	ADJ
fsr-3213	17	5	unique	unique	ADJ
fsr-3213	17	6	survey	survey	NOUN
fsr-3213	17	7	with	with	ADP
fsr-3213	17	8	longitudinal	longitudinal	ADJ
fsr-3213	17	9	data	datum	NOUN
fsr-3213	17	10	across	across	ADP
fsr-3213	17	11	three	three	NUM
fsr-3213	17	12	waves	wave	NOUN
fsr-3213	17	13	to	to	PART
fsr-3213	17	14	assess	assess	VERB
fsr-3213	17	15	whether	whether	SCONJ
fsr-3213	17	16	self	self	NOUN
fsr-3213	17	17	-	-	PUNCT
fsr-3213	17	18	efficacy	efficacy	NOUN
fsr-3213	17	19	and	and	CCONJ
fsr-3213	17	20	stress	stress	NOUN
fsr-3213	17	21	are	be	AUX
fsr-3213	17	22	correlated	correlate	VERB
fsr-3213	17	23	with	with	ADP
fsr-3213	17	24	having	have	VERB
fsr-3213	17	25	a	a	DET
fsr-3213	17	26	financial	financial	ADJ
fsr-3213	17	27	planner	planner	NOUN
fsr-3213	17	28	and	and	CCONJ
fsr-3213	17	29	if	if	SCONJ
fsr-3213	17	30	high	high	ADJ
fsr-3213	17	31	stress	stress	NOUN
fsr-3213	17	32	and	and	CCONJ
fsr-3213	17	33	high	high	ADJ
fsr-3213	17	34	self	self	NOUN
fsr-3213	17	35	-	-	PUNCT
fsr-3213	17	36	efficacy	efficacy	NOUN
fsr-3213	17	37	lead	lead	NOUN
fsr-3213	17	38	one	one	NUM
fsr-3213	17	39	to	to	PART
fsr-3213	17	40	seek	seek	VERB
fsr-3213	17	41	a	a	DET
fsr-3213	17	42	financial	financial	ADJ
fsr-3213	17	43	planner	planner	NOUN
fsr-3213	17	44	.	.	PUNCT
fsr-3213	18	1	we	we	PRON
fsr-3213	18	2	find	find	VERB
fsr-3213	18	3	that	that	SCONJ
fsr-3213	18	4	while	while	SCONJ
fsr-3213	18	5	subjective	subjective	ADJ
fsr-3213	18	6	stress	stress	NOUN
fsr-3213	18	7	is	be	AUX
fsr-3213	18	8	negatively	negatively	ADV
fsr-3213	18	9	correlated	correlate	VERB
fsr-3213	18	10	with	with	ADP
fsr-3213	18	11	use	use	NOUN
fsr-3213	18	12	of	of	ADP
fsr-3213	18	13	a	a	DET
fsr-3213	18	14	financial	financial	ADJ
fsr-3213	18	15	planner	planner	NOUN
fsr-3213	18	16	,	,	PUNCT
fsr-3213	18	17	high	high	ADJ
fsr-3213	18	18	subjective	subjective	ADJ
fsr-3213	18	19	stress	stress	NOUN
fsr-3213	18	20	by	by	ADP
fsr-3213	18	21	itself	itself	PRON
fsr-3213	18	22	is	be	AUX
fsr-3213	18	23	not	not	PART
fsr-3213	18	24	significantly	significantly	ADV
fsr-3213	18	25	related	relate	VERB
fsr-3213	18	26	to	to	ADP
fsr-3213	18	27	the	the	DET
fsr-3213	18	28	decision	decision	NOUN
fsr-3213	18	29	to	to	PART
fsr-3213	18	30	seek	seek	VERB
fsr-3213	18	31	professional	professional	ADJ
fsr-3213	18	32	financial	financial	ADJ
fsr-3213	18	33	help	help	NOUN
fsr-3213	18	34	.	.	PUNCT
fsr-3213	19	1	financial	financial	ADJ
fsr-3213	19	2	self	self	NOUN
fsr-3213	19	3	-	-	PUNCT
fsr-3213	19	4	efficacy	efficacy	NOUN
fsr-3213	19	5	is	be	AUX
fsr-3213	19	6	correlated	correlate	VERB
fsr-3213	19	7	with	with	ADP
fsr-3213	19	8	both	both	CCONJ
fsr-3213	19	9	the	the	DET
fsr-3213	19	10	use	use	NOUN
fsr-3213	19	11	of	of	ADP
fsr-3213	19	12	a	a	DET
fsr-3213	19	13	financial	financial	ADJ
fsr-3213	19	14	planner	planner	NOUN
fsr-3213	19	15	as	as	ADV
fsr-3213	19	16	well	well	ADV
fsr-3213	19	17	as	as	ADP
fsr-3213	19	18	the	the	DET
fsr-3213	19	19	decision	decision	NOUN
fsr-3213	19	20	to	to	PART
fsr-3213	19	21	seek	seek	VERB
fsr-3213	19	22	help	help	NOUN
fsr-3213	19	23	.	.	PUNCT
fsr-3213	20	1	2	2	X
fsr-3213	20	2	.	.	X
fsr-3213	20	3	background	background	NOUN
fsr-3213	20	4	and	and	CCONJ
fsr-3213	20	5	review	review	NOUN
fsr-3213	20	6	of	of	ADP
fsr-3213	20	7	literature	literature	PROPN
fsr-3213	20	8	professional	professional	PROPN
fsr-3213	20	9	financial	financial	ADJ
fsr-3213	20	10	planning	planning	NOUN
fsr-3213	20	11	is	be	AUX
fsr-3213	20	12	an	an	DET
fsr-3213	20	13	important	important	ADJ
fsr-3213	20	14	option	option	NOUN
fsr-3213	20	15	for	for	ADP
fsr-3213	20	16	overall	overall	ADJ
fsr-3213	20	17	financial	financial	ADJ
fsr-3213	20	18	well	well	NOUN
fsr-3213	20	19	-	-	PUNCT
fsr-3213	20	20	being	being	NOUN
fsr-3213	20	21	.	.	PUNCT
fsr-3213	21	1	financial	financial	ADJ
fsr-3213	21	2	planners	planner	NOUN
fsr-3213	21	3	have	have	VERB
fsr-3213	21	4	tools	tool	NOUN
fsr-3213	21	5	and	and	CCONJ
fsr-3213	21	6	expertise	expertise	NOUN
fsr-3213	21	7	lacking	lack	VERB
fsr-3213	21	8	in	in	ADP
fsr-3213	21	9	the	the	DET
fsr-3213	21	10	general	general	ADJ
fsr-3213	21	11	population	population	NOUN
fsr-3213	21	12	and	and	CCONJ
fsr-3213	21	13	can	can	AUX
fsr-3213	21	14	help	help	VERB
fsr-3213	21	15	families	family	NOUN
fsr-3213	21	16	facing	face	VERB
fsr-3213	21	17	complex	complex	ADJ
fsr-3213	21	18	circumstances	circumstance	NOUN
fsr-3213	21	19	decide	decide	VERB
fsr-3213	21	20	which	which	PRON
fsr-3213	21	21	financial	financial	ADJ
fsr-3213	21	22	decisions	decision	NOUN
fsr-3213	21	23	are	be	AUX
fsr-3213	21	24	in	in	ADP
fsr-3213	21	25	their	their	PRON
fsr-3213	21	26	best	good	ADJ
fsr-3213	21	27	interest	interest	NOUN
fsr-3213	21	28	.	.	PUNCT
fsr-3213	22	1	collins	collins	PROPN
fsr-3213	22	2	(	(	PUNCT
fsr-3213	22	3	2010	2010	NUM
fsr-3213	22	4	)	)	PUNCT
fsr-3213	22	5	distinguishes	distinguish	VERB
fsr-3213	22	6	four	four	NUM
fsr-3213	22	7	different	different	ADJ
fsr-3213	22	8	roles	role	NOUN
fsr-3213	22	9	that	that	PRON
fsr-3213	22	10	financial	financial	ADJ
fsr-3213	22	11	planners	planner	NOUN
fsr-3213	22	12	can	can	AUX
fsr-3213	22	13	play	play	VERB
fsr-3213	22	14	:	:	PUNCT
fsr-3213	22	15	technical	technical	ADJ
fsr-3213	22	16	expert	expert	NOUN
fsr-3213	22	17	,	,	PUNCT
fsr-3213	22	18	transactional	transactional	ADJ
fsr-3213	22	19	agent	agent	NOUN
fsr-3213	22	20	,	,	PUNCT
fsr-3213	22	21	counselor	counselor	NOUN
fsr-3213	22	22	,	,	PUNCT
fsr-3213	22	23	and	and	CCONJ
fsr-3213	22	24	coach	coach	NOUN
fsr-3213	22	25	.	.	PUNCT
fsr-3213	23	1	given	give	VERB
fsr-3213	23	2	the	the	DET
fsr-3213	23	3	wide	wide	ADJ
fsr-3213	23	4	breadth	breadth	NOUN
fsr-3213	23	5	of	of	ADP
fsr-3213	23	6	these	these	DET
fsr-3213	23	7	roles	role	NOUN
fsr-3213	23	8	,	,	PUNCT
fsr-3213	23	9	the	the	DET
fsr-3213	23	10	outcome	outcome	NOUN
fsr-3213	23	11	measures	measure	NOUN
fsr-3213	23	12	from	from	ADP
fsr-3213	23	13	the	the	DET
fsr-3213	23	14	use	use	NOUN
fsr-3213	23	15	of	of	ADP
fsr-3213	23	16	a	a	DET
fsr-3213	23	17	financial	financial	ADJ
fsr-3213	23	18	planner	planner	NOUN
fsr-3213	23	19	can	can	AUX
fsr-3213	23	20	vary	vary	VERB
fsr-3213	23	21	substantially	substantially	ADV
fsr-3213	23	22	.	.	PUNCT
fsr-3213	24	1	given	give	VERB
fsr-3213	24	2	the	the	DET
fsr-3213	24	3	variability	variability	NOUN
fsr-3213	24	4	of	of	ADP
fsr-3213	24	5	advice	advice	NOUN
fsr-3213	24	6	,	,	PUNCT
fsr-3213	24	7	zick	zick	PROPN
fsr-3213	24	8	and	and	CCONJ
fsr-3213	24	9	mayer	mayer	PROPN
fsr-3213	24	10	(	(	PUNCT
fsr-3213	24	11	2013	2013	NUM
fsr-3213	24	12	)	)	PUNCT
fsr-3213	24	13	question	question	NOUN
fsr-3213	24	14	whether	whether	SCONJ
fsr-3213	24	15	the	the	DET
fsr-3213	24	16	appropriate	appropriate	ADJ
fsr-3213	24	17	outcome	outcome	NOUN
fsr-3213	24	18	measures	measure	NOUN
fsr-3213	24	19	are	be	AUX
fsr-3213	24	20	best	well	ADV
fsr-3213	24	21	measured	measure	VERB
fsr-3213	24	22	in	in	ADP
fsr-3213	24	23	dollars	dollar	NOUN
fsr-3213	24	24	,	,	PUNCT
fsr-3213	24	25	time	time	NOUN
fsr-3213	24	26	,	,	PUNCT
fsr-3213	24	27	or	or	CCONJ
fsr-3213	24	28	psychological	psychological	ADJ
fsr-3213	24	29	states	state	NOUN
fsr-3213	24	30	.	.	PUNCT
fsr-3213	25	1	existing	exist	VERB
fsr-3213	25	2	studies	study	NOUN
fsr-3213	25	3	have	have	AUX
fsr-3213	25	4	quantified	quantify	VERB
fsr-3213	25	5	financial	financial	ADJ
fsr-3213	25	6	planner	planner	NOUN
fsr-3213	25	7	advice	advice	NOUN
fsr-3213	25	8	in	in	ADP
fsr-3213	25	9	monetary	monetary	ADJ
fsr-3213	25	10	terms	term	NOUN
fsr-3213	25	11	(	(	PUNCT
fsr-3213	25	12	hanna	hanna	NOUN
fsr-3213	25	13	,	,	PUNCT
fsr-3213	25	14	2011	2011	NUM
fsr-3213	25	15	)	)	PUNCT
fsr-3213	25	16	,	,	PUNCT
fsr-3213	25	17	while	while	SCONJ
fsr-3213	25	18	others	other	NOUN
fsr-3213	25	19	measure	measure	VERB
fsr-3213	25	20	it	it	PRON
fsr-3213	25	21	by	by	ADP
fsr-3213	25	22	evaluating	evaluate	VERB
fsr-3213	25	23	financial	financial	ADJ
fsr-3213	25	24	milestones	milestone	NOUN
fsr-3213	25	25	such	such	ADJ
fsr-3213	25	26	as	as	ADP
fsr-3213	25	27	establishment	establishment	NOUN
fsr-3213	25	28	of	of	ADP
fsr-3213	25	29	long	long	ADJ
fsr-3213	25	30	term	term	NOUN
fsr-3213	25	31	goals	goal	NOUN
fsr-3213	25	32	and	and	CCONJ
fsr-3213	25	33	a	a	DET
fsr-3213	25	34	retirement	retirement	NOUN
fsr-3213	25	35	plan	plan	NOUN
fsr-3213	25	36	(	(	PUNCT
fsr-3213	25	37	marsden	marsden	PROPN
fsr-3213	25	38	,	,	PUNCT
fsr-3213	25	39	zick	zick	PROPN
fsr-3213	25	40	,	,	PUNCT
fsr-3213	25	41	and	and	CCONJ
fsr-3213	25	42	mayer	mayer	PROPN
fsr-3213	25	43	,	,	PUNCT
fsr-3213	25	44	2011	2011	NUM
fsr-3213	25	45	)	)	PUNCT
fsr-3213	25	46	.	.	PUNCT
fsr-3213	26	1	blanchett	blanchett	PROPN
fsr-3213	26	2	and	and	CCONJ
fsr-3213	26	3	kaplan	kaplan	PROPN
fsr-3213	26	4	(	(	PUNCT
fsr-3213	26	5	2013	2013	NUM
fsr-3213	26	6	)	)	PUNCT
fsr-3213	26	7	show	show	VERB
fsr-3213	26	8	how	how	SCONJ
fsr-3213	26	9	financial	financial	ADJ
fsr-3213	26	10	planning	planning	NOUN
fsr-3213	26	11	techniques	technique	NOUN
fsr-3213	26	12	can	can	AUX
fsr-3213	26	13	increase	increase	VERB
fsr-3213	26	14	certainty	certainty	NOUN
fsr-3213	26	15	-	-	PUNCT
fsr-3213	26	16	equivalent	equivalent	ADJ
fsr-3213	26	17	income	income	NOUN
fsr-3213	26	18	in	in	ADP
fsr-3213	26	19	retirement	retirement	NOUN
fsr-3213	26	20	.	.	PUNCT
fsr-3213	27	1	kinniry	kinniry	NOUN
fsr-3213	27	2	,	,	PUNCT
fsr-3213	27	3	jaconetti	jaconetti	NOUN
fsr-3213	27	4	,	,	PUNCT
fsr-3213	27	5	dijoseph	dijoseph	NOUN
fsr-3213	27	6	,	,	PUNCT
fsr-3213	27	7	and	and	CCONJ
fsr-3213	27	8	zilbering	zilbere	VERB
fsr-3213	27	9	(	(	PUNCT
fsr-3213	27	10	2014	2014	NUM
fsr-3213	27	11	)	)	PUNCT
fsr-3213	27	12	show	show	VERB
fsr-3213	27	13	that	that	SCONJ
fsr-3213	27	14	financial	financial	ADJ
fsr-3213	27	15	planning	planning	NOUN
fsr-3213	27	16	strategies	strategy	NOUN
fsr-3213	27	17	could	could	AUX
fsr-3213	27	18	add	add	VERB
fsr-3213	27	19	3	3	NUM
fsr-3213	27	20	%	%	NOUN
fsr-3213	27	21	per	per	ADP
fsr-3213	27	22	year	year	NOUN
fsr-3213	27	23	in	in	ADP
fsr-3213	27	24	net	net	ADJ
fsr-3213	27	25	returns	return	NOUN
fsr-3213	27	26	.	.	PUNCT
fsr-3213	28	1	while	while	SCONJ
fsr-3213	28	2	taylor	taylor	PROPN
fsr-3213	28	3	,	,	PUNCT
fsr-3213	28	4	jenkins	jenkins	PROPN
fsr-3213	28	5	,	,	PUNCT
fsr-3213	28	6	and	and	CCONJ
fsr-3213	28	7	sacker	sacker	NOUN
fsr-3213	28	8	(	(	PUNCT
fsr-3213	28	9	2011	2011	NUM
fsr-3213	28	10	)	)	PUNCT
fsr-3213	28	11	do	do	AUX
fsr-3213	28	12	not	not	PART
fsr-3213	28	13	explicitly	explicitly	ADV
fsr-3213	28	14	consider	consider	VERB
fsr-3213	28	15	financial	financial	ADJ
fsr-3213	28	16	planners	planner	NOUN
fsr-3213	28	17	,	,	PUNCT
fsr-3213	28	18	they	they	PRON
fsr-3213	28	19	show	show	VERB
fsr-3213	28	20	that	that	SCONJ
fsr-3213	28	21	making	make	VERB
fsr-3213	28	22	good	good	ADJ
fsr-3213	28	23	financial	financial	ADJ
fsr-3213	28	24	decisions	decision	NOUN
fsr-3213	28	25	improves	improve	VERB
fsr-3213	28	26	people	people	NOUN
fsr-3213	28	27	’s	’s	PART
fsr-3213	28	28	psychological	psychological	ADJ
fsr-3213	28	29	health	health	NOUN
fsr-3213	28	30	.	.	PUNCT
fsr-3213	29	1	2.1	2.1	NUM
fsr-3213	29	2	.	.	PUNCT
fsr-3213	30	1	help	help	AUX
fsr-3213	30	2	-	-	PUNCT
fsr-3213	30	3	seeking	seek	VERB
fsr-3213	30	4	behavior	behavior	NOUN
fsr-3213	30	5	the	the	DET
fsr-3213	30	6	decision	decision	NOUN
fsr-3213	30	7	to	to	PART
fsr-3213	30	8	seek	seek	VERB
fsr-3213	30	9	help	help	NOUN
fsr-3213	30	10	is	be	AUX
fsr-3213	30	11	relevant	relevant	ADJ
fsr-3213	30	12	across	across	ADP
fsr-3213	30	13	multiple	multiple	ADJ
fsr-3213	30	14	domains	domain	NOUN
fsr-3213	30	15	,	,	PUNCT
fsr-3213	30	16	including	include	VERB
fsr-3213	30	17	medicine	medicine	NOUN
fsr-3213	30	18	,	,	PUNCT
fsr-3213	30	19	mental	mental	ADJ
fsr-3213	30	20	health	health	NOUN
fsr-3213	30	21	,	,	PUNCT
fsr-3213	30	22	and	and	CCONJ
fsr-3213	30	23	personal	personal	ADJ
fsr-3213	30	24	finance	finance	NOUN
fsr-3213	30	25	.	.	PUNCT
fsr-3213	31	1	much	much	ADJ
fsr-3213	31	2	research	research	NOUN
fsr-3213	31	3	focuses	focus	VERB
fsr-3213	31	4	on	on	ADP
fsr-3213	31	5	whether	whether	SCONJ
fsr-3213	31	6	people	people	NOUN
fsr-3213	31	7	faced	face	VERB
fsr-3213	31	8	with	with	ADP
fsr-3213	31	9	financial	financial	ADJ
fsr-3213	31	10	or	or	CCONJ
fsr-3213	31	11	medical	medical	ADJ
fsr-3213	31	12	problems	problem	NOUN
fsr-3213	31	13	decide	decide	VERB
fsr-3213	31	14	to	to	PART
fsr-3213	31	15	seek	seek	VERB
fsr-3213	31	16	help	help	NOUN
fsr-3213	31	17	for	for	ADP
fsr-3213	31	18	those	those	DET
fsr-3213	31	19	problems	problem	NOUN
fsr-3213	31	20	.	.	PUNCT
fsr-3213	32	1	research	research	NOUN
fsr-3213	32	2	in	in	ADP
fsr-3213	32	3	health	health	NOUN
fsr-3213	32	4	fields	field	NOUN
fsr-3213	32	5	has	have	AUX
fsr-3213	32	6	been	be	AUX
fsr-3213	32	7	more	more	ADV
fsr-3213	32	8	prolific	prolific	ADJ
fsr-3213	32	9	than	than	ADP
fsr-3213	32	10	research	research	NOUN
fsr-3213	32	11	in	in	ADP
fsr-3213	32	12	the	the	DET
fsr-3213	32	13	financial	financial	ADJ
fsr-3213	32	14	field	field	NOUN
fsr-3213	32	15	,	,	PUNCT
fsr-3213	32	16	but	but	CCONJ
fsr-3213	32	17	financial	financial	ADJ
fsr-3213	32	18	planning	planning	NOUN
fsr-3213	32	19	is	be	AUX
fsr-3213	32	20	gaining	gain	VERB
fsr-3213	32	21	traction	traction	NOUN
fsr-3213	32	22	.	.	PUNCT
fsr-3213	33	1	some	some	PRON
fsr-3213	33	2	of	of	ADP
fsr-3213	33	3	the	the	DET
fsr-3213	33	4	first	first	ADJ
fsr-3213	33	5	researchers	researcher	NOUN
fsr-3213	33	6	to	to	PART
fsr-3213	33	7	consider	consider	VERB
fsr-3213	33	8	help	help	NOUN
fsr-3213	33	9	-	-	PUNCT
fsr-3213	33	10	seeking	seek	VERB
fsr-3213	33	11	in	in	ADP
fsr-3213	33	12	a	a	DET
fsr-3213	33	13	financial	financial	ADJ
fsr-3213	33	14	context	context	NOUN
fsr-3213	33	15	were	be	AUX
fsr-3213	33	16	grable	grable	ADJ
fsr-3213	33	17	and	and	CCONJ
fsr-3213	33	18	joo	joo	PROPN
fsr-3213	33	19	(	(	PUNCT
fsr-3213	33	20	1999	1999	NUM
fsr-3213	33	21	)	)	PUNCT
fsr-3213	33	22	.	.	PUNCT
fsr-3213	34	1	grable	grable	PROPN
fsr-3213	34	2	and	and	CCONJ
fsr-3213	34	3	joo	joo	PROPN
fsr-3213	34	4	(	(	PUNCT
fsr-3213	34	5	1999	1999	NUM
fsr-3213	34	6	)	)	PUNCT
fsr-3213	34	7	conceptualize	conceptualize	VERB
fsr-3213	34	8	help	help	NOUN
fsr-3213	34	9	-	-	PUNCT
fsr-3213	34	10	seeking	seek	VERB
fsr-3213	34	11	behavior	behavior	NOUN
fsr-3213	34	12	as	as	ADP
fsr-3213	34	13	a	a	DET
fsr-3213	34	14	coping	cope	VERB
fsr-3213	34	15	strategy	strategy	NOUN
fsr-3213	34	16	to	to	PART
fsr-3213	34	17	deal	deal	VERB
fsr-3213	34	18	with	with	ADP
fsr-3213	34	19	financial	financial	ADJ
fsr-3213	34	20	troubles	trouble	NOUN
fsr-3213	34	21	.	.	PUNCT
fsr-3213	35	1	they	they	PRON
fsr-3213	35	2	develop	develop	VERB
fsr-3213	35	3	a	a	DET
fsr-3213	35	4	framework	framework	NOUN
fsr-3213	35	5	consisting	consist	VERB
fsr-3213	35	6	of	of	ADP
fsr-3213	35	7	five	five	NUM
fsr-3213	35	8	stages	stage	NOUN
fsr-3213	35	9	including	include	VERB
fsr-3213	35	10	the	the	DET
fsr-3213	35	11	recognition	recognition	NOUN
fsr-3213	35	12	and	and	CCONJ
fsr-3213	35	13	evaluation	evaluation	NOUN
fsr-3213	35	14	of	of	ADP
fsr-3213	35	15	one	one	NUM
fsr-3213	35	16	’s	’s	PART
fsr-3213	35	17	own	own	ADJ
fsr-3213	35	18	financial	financial	ADJ
fsr-3213	35	19	behaviors	behavior	NOUN
fsr-3213	35	20	in	in	ADP
fsr-3213	35	21	the	the	DET
fsr-3213	35	22	process	process	NOUN
fsr-3213	35	23	of	of	ADP
fsr-3213	35	24	seeking	seek	VERB
fsr-3213	35	25	professional	professional	ADJ
fsr-3213	35	26	help	help	NOUN
fsr-3213	35	27	when	when	SCONJ
fsr-3213	35	28	people	people	NOUN
fsr-3213	35	29	recognized	recognize	VERB
fsr-3213	35	30	problems	problem	NOUN
fsr-3213	35	31	with	with	ADP
fsr-3213	35	32	which	which	PRON
fsr-3213	35	33	they	they	PRON
fsr-3213	35	34	needed	need	VERB
fsr-3213	35	35	help	help	NOUN
fsr-3213	35	36	.	.	PUNCT
fsr-3213	36	1	grable	grable	PROPN
fsr-3213	36	2	and	and	CCONJ
fsr-3213	36	3	joo	joo	PROPN
fsr-3213	36	4	(	(	PUNCT
fsr-3213	36	5	2001	2001	NUM
fsr-3213	36	6	)	)	PUNCT
fsr-3213	36	7	examine	examine	VERB
fsr-3213	36	8	the	the	DET
fsr-3213	36	9	choice	choice	NOUN
fsr-3213	36	10	between	between	ADP
fsr-3213	36	11	obtaining	obtain	VERB
fsr-3213	36	12	financial	financial	ADJ
fsr-3213	36	13	advice	advice	NOUN
fsr-3213	36	14	from	from	ADP
fsr-3213	36	15	professionals	professional	NOUN
fsr-3213	36	16	versus	versus	ADP
fsr-3213	36	17	nonprofessionals	nonprofessional	NOUN
fsr-3213	36	18	.	.	PUNCT
fsr-3213	37	1	they	they	PRON
fsr-3213	37	2	find	find	VERB
fsr-3213	37	3	that	that	SCONJ
fsr-3213	37	4	individuals	individual	NOUN
fsr-3213	37	5	with	with	ADP
fsr-3213	37	6	low	low	ADJ
fsr-3213	37	7	financial	financial	ADJ
fsr-3213	37	8	risk	risk	NOUN
fsr-3213	37	9	tolerance	tolerance	NOUN
fsr-3213	37	10	and	and	CCONJ
fsr-3213	37	11	low	low	ADJ
fsr-3213	37	12	satisfaction	satisfaction	NOUN
fsr-3213	37	13	with	with	ADP
fsr-3213	37	14	their	their	PRON
fsr-3213	37	15	financial	financial	ADJ
fsr-3213	37	16	situation	situation	NOUN
fsr-3213	37	17	are	be	AUX
fsr-3213	37	18	more	more	ADV
fsr-3213	37	19	likely	likely	ADJ
fsr-3213	37	20	to	to	PART
fsr-3213	37	21	seek	seek	VERB
fsr-3213	37	22	advice	advice	NOUN
fsr-3213	38	1	106	106	NUM
fsr-3213	38	2	j.	j.	PROPN
fsr-3213	38	3	letkiewicz	letkiewicz	PROPN
fsr-3213	38	4	et	et	PROPN
fsr-3213	38	5	al	al	PROPN
fsr-3213	38	6	.	.	PUNCT
fsr-3213	38	7	/	/	SYM
fsr-3213	38	8	financial	financial	ADJ
fsr-3213	38	9	services	service	NOUN
fsr-3213	38	10	review	review	VERB
fsr-3213	38	11	25	25	NUM
fsr-3213	38	12	(	(	PUNCT
fsr-3213	38	13	2016	2016	NUM
fsr-3213	38	14	)	)	PUNCT
fsr-3213	38	15	105–126	105–126	NUM
fsr-3213	38	16	from	from	ADP
fsr-3213	38	17	family	family	NOUN
fsr-3213	38	18	,	,	PUNCT
fsr-3213	38	19	friends	friend	NOUN
fsr-3213	38	20	,	,	PUNCT
fsr-3213	38	21	and	and	CCONJ
fsr-3213	38	22	work	work	NOUN
fsr-3213	38	23	colleagues	colleague	NOUN
fsr-3213	38	24	,	,	PUNCT
fsr-3213	38	25	instead	instead	ADV
fsr-3213	38	26	of	of	ADP
fsr-3213	38	27	from	from	ADP
fsr-3213	38	28	professional	professional	ADJ
fsr-3213	38	29	sources	source	NOUN
fsr-3213	38	30	.	.	PUNCT
fsr-3213	39	1	according	accord	VERB
fsr-3213	39	2	to	to	ADP
fsr-3213	39	3	du	du	PROPN
fsr-3213	39	4	plessis	plessis	PROPN
fsr-3213	39	5	,	,	PUNCT
fsr-3213	39	6	lawton	lawton	PROPN
fsr-3213	39	7	,	,	PUNCT
fsr-3213	39	8	and	and	CCONJ
fsr-3213	39	9	corney	corney	PROPN
fsr-3213	39	10	(	(	PUNCT
fsr-3213	39	11	2010	2010	NUM
fsr-3213	39	12	)	)	PUNCT
fsr-3213	39	13	,	,	PUNCT
fsr-3213	39	14	barriers	barrier	NOUN
fsr-3213	39	15	to	to	ADP
fsr-3213	39	16	financial	financial	ADJ
fsr-3213	39	17	help	help	NOUN
fsr-3213	39	18	-	-	PUNCT
fsr-3213	39	19	seeking	seeking	NOUN
fsr-3213	39	20	include	include	VERB
fsr-3213	39	21	shame	shame	NOUN
fsr-3213	39	22	and	and	CCONJ
fsr-3213	39	23	embarrassment	embarrassment	NOUN
fsr-3213	39	24	,	,	PUNCT
fsr-3213	39	25	as	as	ADV
fsr-3213	39	26	well	well	ADV
fsr-3213	39	27	as	as	ADP
fsr-3213	39	28	lack	lack	NOUN
fsr-3213	39	29	of	of	ADP
fsr-3213	39	30	knowledge	knowledge	NOUN
fsr-3213	39	31	about	about	ADP
fsr-3213	39	32	professional	professional	ADJ
fsr-3213	39	33	sources	source	NOUN
fsr-3213	39	34	.	.	PUNCT
fsr-3213	40	1	dearden	dearden	PROPN
fsr-3213	40	2	,	,	PUNCT
fsr-3213	40	3	goode	goode	PROPN
fsr-3213	40	4	,	,	PUNCT
fsr-3213	40	5	whitfield	whitfield	PROPN
fsr-3213	40	6	,	,	PUNCT
fsr-3213	40	7	and	and	CCONJ
fsr-3213	40	8	cox	cox	PROPN
fsr-3213	40	9	(	(	PUNCT
fsr-3213	40	10	2010	2010	NUM
fsr-3213	40	11	)	)	PUNCT
fsr-3213	40	12	demonstrate	demonstrate	VERB
fsr-3213	40	13	gender	gender	NOUN
fsr-3213	40	14	differences	difference	NOUN
fsr-3213	40	15	in	in	ADP
fsr-3213	40	16	help	help	NOUN
fsr-3213	40	17	-	-	PUNCT
fsr-3213	40	18	seeking	seek	VERB
fsr-3213	40	19	for	for	ADP
fsr-3213	40	20	debt	debt	NOUN
fsr-3213	40	21	problems	problem	NOUN
fsr-3213	40	22	.	.	PUNCT
fsr-3213	41	1	hanna	hanna	PROPN
fsr-3213	41	2	(	(	PUNCT
fsr-3213	41	3	2011	2011	NUM
fsr-3213	41	4	)	)	PUNCT
fsr-3213	41	5	finds	find	VERB
fsr-3213	41	6	greater	great	ADJ
fsr-3213	41	7	usage	usage	NOUN
fsr-3213	41	8	of	of	ADP
fsr-3213	41	9	financial	financial	ADJ
fsr-3213	41	10	planners	planner	NOUN
fsr-3213	41	11	among	among	ADP
fsr-3213	41	12	people	people	NOUN
fsr-3213	41	13	with	with	ADP
fsr-3213	41	14	above	above	ADP
fsr-3213	41	15	average	average	ADJ
fsr-3213	41	16	risk	risk	NOUN
fsr-3213	41	17	tolerance	tolerance	NOUN
fsr-3213	41	18	,	,	PUNCT
fsr-3213	41	19	post	post	ADJ
fsr-3213	41	20	-	-	ADJ
fsr-3213	41	21	bachelor	bachelor	ADJ
fsr-3213	41	22	degree	degree	NOUN
fsr-3213	41	23	education	education	NOUN
fsr-3213	41	24	,	,	PUNCT
fsr-3213	41	25	higher	high	ADJ
fsr-3213	41	26	household	household	NOUN
fsr-3213	41	27	income	income	NOUN
fsr-3213	41	28	,	,	PUNCT
fsr-3213	41	29	and	and	CCONJ
fsr-3213	41	30	higher	high	ADJ
fsr-3213	41	31	net	net	ADJ
fsr-3213	41	32	worth	worth	NOUN
fsr-3213	41	33	.	.	PUNCT
fsr-3213	42	1	hanna	hanna	PROPN
fsr-3213	42	2	also	also	ADV
fsr-3213	42	3	finds	find	VERB
fsr-3213	42	4	an	an	DET
fsr-3213	42	5	increase	increase	NOUN
fsr-3213	42	6	in	in	ADP
fsr-3213	42	7	the	the	DET
fsr-3213	42	8	use	use	NOUN
fsr-3213	42	9	of	of	ADP
fsr-3213	42	10	financial	financial	ADJ
fsr-3213	42	11	planners	planner	NOUN
fsr-3213	42	12	,	,	PUNCT
fsr-3213	42	13	from	from	ADP
fsr-3213	42	14	21	21	NUM
fsr-3213	42	15	%	%	NOUN
fsr-3213	42	16	of	of	ADP
fsr-3213	42	17	households	household	NOUN
fsr-3213	42	18	in	in	ADP
fsr-3213	42	19	1998	1998	NUM
fsr-3213	42	20	to	to	ADP
fsr-3213	42	21	25	25	NUM
fsr-3213	42	22	%	%	NOUN
fsr-3213	42	23	in	in	ADP
fsr-3213	42	24	2007	2007	NUM
fsr-3213	42	25	.	.	PUNCT
fsr-3213	43	1	collins	collins	PROPN
fsr-3213	43	2	(	(	PUNCT
fsr-3213	43	3	2012	2012	NUM
fsr-3213	43	4	)	)	PUNCT
fsr-3213	43	5	finds	find	VERB
fsr-3213	43	6	that	that	SCONJ
fsr-3213	43	7	individuals	individual	NOUN
fsr-3213	43	8	with	with	ADP
fsr-3213	43	9	higher	high	ADJ
fsr-3213	43	10	incomes	income	NOUN
fsr-3213	43	11	,	,	PUNCT
fsr-3213	43	12	educational	educational	ADJ
fsr-3213	43	13	attainment	attainment	NOUN
fsr-3213	43	14	,	,	PUNCT
fsr-3213	43	15	and	and	CCONJ
fsr-3213	43	16	levels	level	NOUN
fsr-3213	43	17	of	of	ADP
fsr-3213	43	18	financial	financial	ADJ
fsr-3213	43	19	literacy	literacy	NOUN
fsr-3213	43	20	are	be	AUX
fsr-3213	43	21	more	more	ADV
fsr-3213	43	22	likely	likely	ADJ
fsr-3213	43	23	to	to	PART
fsr-3213	43	24	receive	receive	VERB
fsr-3213	43	25	financial	financial	ADJ
fsr-3213	43	26	advice	advice	NOUN
fsr-3213	43	27	,	,	PUNCT
fsr-3213	43	28	and	and	CCONJ
fsr-3213	43	29	suggests	suggest	VERB
fsr-3213	43	30	that	that	SCONJ
fsr-3213	43	31	financial	financial	ADJ
fsr-3213	43	32	advice	advice	NOUN
fsr-3213	43	33	more	more	ADV
fsr-3213	43	34	often	often	ADV
fsr-3213	43	35	serves	serve	VERB
fsr-3213	43	36	as	as	ADP
fsr-3213	43	37	a	a	DET
fsr-3213	43	38	complement	complement	NOUN
fsr-3213	43	39	to	to	ADP
fsr-3213	43	40	,	,	PUNCT
fsr-3213	43	41	rather	rather	ADV
fsr-3213	43	42	than	than	ADP
fsr-3213	43	43	a	a	DET
fsr-3213	43	44	substitute	substitute	NOUN
fsr-3213	43	45	for	for	ADP
fsr-3213	43	46	,	,	PUNCT
fsr-3213	43	47	financial	financial	ADJ
fsr-3213	43	48	capability	capability	NOUN
fsr-3213	43	49	.	.	PUNCT
fsr-3213	44	1	robb	robb	NOUN
fsr-3213	44	2	,	,	PUNCT
fsr-3213	44	3	babiarz	babiarz	NOUN
fsr-3213	44	4	,	,	PUNCT
fsr-3213	44	5	and	and	CCONJ
fsr-3213	44	6	woodyard	woodyard	PROPN
fsr-3213	44	7	(	(	PUNCT
fsr-3213	44	8	2012	2012	NUM
fsr-3213	44	9	)	)	PUNCT
fsr-3213	44	10	find	find	VERB
fsr-3213	44	11	individual	individual	ADJ
fsr-3213	44	12	characteristics	characteristic	NOUN
fsr-3213	44	13	differentiate	differentiate	VERB
fsr-3213	44	14	which	which	DET
fsr-3213	44	15	type	type	NOUN
fsr-3213	44	16	of	of	ADP
fsr-3213	44	17	financial	financial	ADJ
fsr-3213	44	18	advice	advice	NOUN
fsr-3213	44	19	people	people	NOUN
fsr-3213	44	20	seek	seek	VERB
fsr-3213	44	21	(	(	PUNCT
fsr-3213	44	22	e.g.	e.g.	ADV
fsr-3213	44	23	,	,	PUNCT
fsr-3213	44	24	debt	debt	NOUN
fsr-3213	44	25	counseling	counseling	NOUN
fsr-3213	44	26	vs.	vs.	ADP
fsr-3213	44	27	investment	investment	NOUN
fsr-3213	44	28	planning	planning	NOUN
fsr-3213	44	29	)	)	PUNCT
fsr-3213	44	30	.	.	PUNCT
fsr-3213	45	1	financial	financial	ADJ
fsr-3213	45	2	knowledge	knowledge	NOUN
fsr-3213	45	3	and	and	CCONJ
fsr-3213	45	4	satisfaction	satisfaction	NOUN
fsr-3213	45	5	are	be	AUX
fsr-3213	45	6	positively	positively	ADV
fsr-3213	45	7	related	relate	VERB
fsr-3213	45	8	to	to	ADP
fsr-3213	45	9	using	use	VERB
fsr-3213	45	10	any	any	DET
fsr-3213	45	11	type	type	NOUN
fsr-3213	45	12	of	of	ADP
fsr-3213	45	13	financial	financial	ADJ
fsr-3213	45	14	advice	advice	NOUN
fsr-3213	45	15	while	while	SCONJ
fsr-3213	45	16	knowledge	knowledge	NOUN
fsr-3213	45	17	and	and	CCONJ
fsr-3213	45	18	satisfaction	satisfaction	NOUN
fsr-3213	45	19	are	be	AUX
fsr-3213	45	20	inversely	inversely	ADV
fsr-3213	45	21	related	relate	VERB
fsr-3213	45	22	to	to	ADP
fsr-3213	45	23	the	the	DET
fsr-3213	45	24	use	use	NOUN
fsr-3213	45	25	of	of	ADP
fsr-3213	45	26	debt	debt	NOUN
fsr-3213	45	27	counseling	counseling	NOUN
fsr-3213	45	28	.	.	PUNCT
fsr-3213	46	1	cummings	cummings	PROPN
fsr-3213	46	2	and	and	CCONJ
fsr-3213	46	3	james	james	PROPN
fsr-3213	46	4	(	(	PUNCT
fsr-3213	46	5	2014	2014	NUM
fsr-3213	46	6	)	)	PUNCT
fsr-3213	46	7	analyze	analyze	VERB
fsr-3213	46	8	decisions	decision	NOUN
fsr-3213	46	9	to	to	PART
fsr-3213	46	10	either	either	CCONJ
fsr-3213	46	11	get	get	VERB
fsr-3213	46	12	or	or	CCONJ
fsr-3213	46	13	drop	drop	VERB
fsr-3213	46	14	financial	financial	ADJ
fsr-3213	46	15	advisors	advisor	NOUN
fsr-3213	46	16	.	.	PUNCT
fsr-3213	47	1	the	the	DET
fsr-3213	47	2	most	most	ADV
fsr-3213	47	3	significant	significant	ADJ
fsr-3213	47	4	factors	factor	NOUN
fsr-3213	47	5	in	in	ADP
fsr-3213	47	6	getting	get	VERB
fsr-3213	47	7	a	a	DET
fsr-3213	47	8	financial	financial	ADJ
fsr-3213	47	9	advisor	advisor	NOUN
fsr-3213	47	10	include	include	VERB
fsr-3213	47	11	becoming	become	VERB
fsr-3213	47	12	a	a	DET
fsr-3213	47	13	new	new	ADJ
fsr-3213	47	14	widow(er	widow(er	NOUN
fsr-3213	47	15	)	)	PUNCT
fsr-3213	47	16	,	,	PUNCT
fsr-3213	47	17	asking	ask	VERB
fsr-3213	47	18	family	family	NOUN
fsr-3213	47	19	members	member	NOUN
fsr-3213	47	20	for	for	ADP
fsr-3213	47	21	assistance	assistance	NOUN
fsr-3213	47	22	with	with	ADP
fsr-3213	47	23	financial	financial	ADJ
fsr-3213	47	24	decisions	decision	NOUN
fsr-3213	47	25	,	,	PUNCT
fsr-3213	47	26	seeking	seek	VERB
fsr-3213	47	27	help	help	NOUN
fsr-3213	47	28	for	for	ADP
fsr-3213	47	29	emotional	emotional	ADJ
fsr-3213	47	30	problems	problem	NOUN
fsr-3213	47	31	,	,	PUNCT
fsr-3213	47	32	and	and	CCONJ
fsr-3213	47	33	positive	positive	ADJ
fsr-3213	47	34	changes	change	NOUN
fsr-3213	47	35	in	in	ADP
fsr-3213	47	36	income	income	NOUN
fsr-3213	47	37	and	and	CCONJ
fsr-3213	47	38	net	net	ADJ
fsr-3213	47	39	worth	worth	NOUN
fsr-3213	47	40	.	.	PUNCT
fsr-3213	48	1	new	new	ADJ
fsr-3213	48	2	widow(er)s	widow(er)s	NOUN
fsr-3213	48	3	and	and	CCONJ
fsr-3213	48	4	people	people	NOUN
fsr-3213	48	5	with	with	ADP
fsr-3213	48	6	increased	increase	VERB
fsr-3213	48	7	net	net	ADJ
fsr-3213	48	8	worth	worth	NOUN
fsr-3213	48	9	are	be	AUX
fsr-3213	48	10	less	less	ADV
fsr-3213	48	11	likely	likely	ADJ
fsr-3213	48	12	to	to	PART
fsr-3213	48	13	drop	drop	VERB
fsr-3213	48	14	their	their	PRON
fsr-3213	48	15	financial	financial	ADJ
fsr-3213	48	16	advisors	advisor	NOUN
fsr-3213	48	17	.	.	PUNCT
fsr-3213	49	1	finke	finke	PROPN
fsr-3213	49	2	,	,	PUNCT
fsr-3213	49	3	huston	huston	PROPN
fsr-3213	49	4	,	,	PUNCT
fsr-3213	49	5	and	and	CCONJ
fsr-3213	49	6	winchester	winchester	PROPN
fsr-3213	49	7	(	(	PUNCT
fsr-3213	49	8	2011	2011	NUM
fsr-3213	49	9	)	)	PUNCT
fsr-3213	49	10	find	find	VERB
fsr-3213	49	11	those	those	PRON
fsr-3213	49	12	who	who	PRON
fsr-3213	49	13	pay	pay	VERB
fsr-3213	49	14	for	for	ADP
fsr-3213	49	15	financial	financial	ADJ
fsr-3213	49	16	advice	advice	NOUN
fsr-3213	49	17	are	be	AUX
fsr-3213	49	18	more	more	ADV
fsr-3213	49	19	likely	likely	ADJ
fsr-3213	49	20	to	to	PART
fsr-3213	49	21	be	be	AUX
fsr-3213	49	22	female	female	ADJ
fsr-3213	49	23	,	,	PUNCT
fsr-3213	49	24	relatively	relatively	ADV
fsr-3213	49	25	older	old	ADJ
fsr-3213	49	26	,	,	PUNCT
fsr-3213	49	27	wealthier	wealthy	ADJ
fsr-3213	49	28	,	,	PUNCT
fsr-3213	49	29	and	and	CCONJ
fsr-3213	49	30	college	college	NOUN
fsr-3213	49	31	educated	educate	VERB
fsr-3213	49	32	with	with	ADP
fsr-3213	49	33	a	a	DET
fsr-3213	49	34	low	low	ADJ
fsr-3213	49	35	level	level	NOUN
fsr-3213	49	36	of	of	ADP
fsr-3213	49	37	self	self	NOUN
fsr-3213	49	38	-	-	PUNCT
fsr-3213	49	39	reported	report	VERB
fsr-3213	49	40	knowledge	knowledge	NOUN
fsr-3213	49	41	about	about	ADP
fsr-3213	49	42	financial	financial	ADJ
fsr-3213	49	43	issues	issue	NOUN
fsr-3213	49	44	.	.	PUNCT
fsr-3213	50	1	of	of	ADP
fsr-3213	50	2	those	those	PRON
fsr-3213	50	3	who	who	PRON
fsr-3213	50	4	pay	pay	VERB
fsr-3213	50	5	for	for	ADP
fsr-3213	50	6	help	help	NOUN
fsr-3213	50	7	,	,	PUNCT
fsr-3213	50	8	they	they	PRON
fsr-3213	50	9	find	find	VERB
fsr-3213	50	10	those	those	PRON
fsr-3213	50	11	who	who	PRON
fsr-3213	50	12	choose	choose	VERB
fsr-3213	50	13	comprehensive	comprehensive	ADJ
fsr-3213	50	14	management	management	NOUN
fsr-3213	50	15	are	be	AUX
fsr-3213	50	16	more	more	ADV
fsr-3213	50	17	likely	likely	ADJ
fsr-3213	50	18	to	to	PART
fsr-3213	50	19	be	be	AUX
fsr-3213	50	20	under	under	ADP
fsr-3213	50	21	65	65	NUM
fsr-3213	50	22	,	,	PUNCT
fsr-3213	50	23	wealthy	wealthy	ADJ
fsr-3213	50	24	,	,	PUNCT
fsr-3213	50	25	and	and	CCONJ
fsr-3213	50	26	have	have	VERB
fsr-3213	50	27	high	high	ADJ
fsr-3213	50	28	self	self	NOUN
fsr-3213	50	29	-	-	PUNCT
fsr-3213	50	30	reported	report	VERB
fsr-3213	50	31	knowledge	knowledge	NOUN
fsr-3213	50	32	about	about	ADP
fsr-3213	50	33	financial	financial	ADJ
fsr-3213	50	34	issues	issue	NOUN
fsr-3213	50	35	.	.	PUNCT
fsr-3213	51	1	2.2	2.2	NUM
fsr-3213	51	2	.	.	PUNCT
fsr-3213	51	3	financial	financial	ADJ
fsr-3213	51	4	stress	stress	NOUN
fsr-3213	51	5	and	and	CCONJ
fsr-3213	51	6	self	self	NOUN
fsr-3213	51	7	-	-	PUNCT
fsr-3213	51	8	efficacy	efficacy	NOUN
fsr-3213	51	9	the	the	DET
fsr-3213	51	10	cognitive	cognitive	ADJ
fsr-3213	51	11	theory	theory	NOUN
fsr-3213	51	12	of	of	ADP
fsr-3213	51	13	stress	stress	NOUN
fsr-3213	51	14	and	and	CCONJ
fsr-3213	51	15	coping	cope	VERB
fsr-3213	51	16	defines	define	NOUN
fsr-3213	51	17	stress	stress	NOUN
fsr-3213	51	18	as	as	ADP
fsr-3213	51	19	a	a	DET
fsr-3213	51	20	certain	certain	ADJ
fsr-3213	51	21	situation	situation	NOUN
fsr-3213	51	22	that	that	SCONJ
fsr-3213	51	23	an	an	DET
fsr-3213	51	24	individual	individual	ADJ
fsr-3213	51	25	assesses	assesse	NOUN
fsr-3213	51	26	as	as	ADP
fsr-3213	51	27	taxing	tax	VERB
fsr-3213	51	28	or	or	CCONJ
fsr-3213	51	29	exceeding	exceed	VERB
fsr-3213	51	30	his	his	PRON
fsr-3213	51	31	or	or	CCONJ
fsr-3213	51	32	her	her	PRON
fsr-3213	51	33	resources	resource	NOUN
fsr-3213	51	34	and	and	CCONJ
fsr-3213	51	35	consequently	consequently	ADV
fsr-3213	51	36	threatens	threaten	VERB
fsr-3213	51	37	his	his	PRON
fsr-3213	51	38	or	or	CCONJ
fsr-3213	51	39	her	her	PRON
fsr-3213	51	40	well	well	ADV
fsr-3213	51	41	-	-	PUNCT
fsr-3213	51	42	being	being	NOUN
fsr-3213	51	43	(	(	PUNCT
fsr-3213	51	44	folkman	folkman	NOUN
fsr-3213	51	45	,	,	PUNCT
fsr-3213	51	46	schaefer	schaefer	NOUN
fsr-3213	51	47	,	,	PUNCT
fsr-3213	51	48	and	and	CCONJ
fsr-3213	51	49	lazarus	lazarus	PROPN
fsr-3213	51	50	,	,	PUNCT
fsr-3213	51	51	1979	1979	NUM
fsr-3213	51	52	;	;	PUNCT
fsr-3213	51	53	lazarus	lazarus	PROPN
fsr-3213	51	54	and	and	CCONJ
fsr-3213	51	55	folkman	folkman	NOUN
fsr-3213	51	56	,	,	PUNCT
fsr-3213	51	57	1984	1984	NUM
fsr-3213	51	58	)	)	PUNCT
fsr-3213	51	59	.	.	PUNCT
fsr-3213	52	1	within	within	ADP
fsr-3213	52	2	a	a	DET
fsr-3213	52	3	meta	meta	ADJ
fsr-3213	52	4	-	-	PUNCT
fsr-3213	52	5	theoretical	theoretical	ADJ
fsr-3213	52	6	system	system	NOUN
fsr-3213	52	7	approach	approach	NOUN
fsr-3213	52	8	lazarus	lazarus	PROPN
fsr-3213	52	9	(	(	PUNCT
fsr-3213	52	10	1991	1991	NUM
fsr-3213	52	11	)	)	PUNCT
fsr-3213	52	12	views	view	VERB
fsr-3213	52	13	the	the	DET
fsr-3213	52	14	complex	complex	ADJ
fsr-3213	52	15	processes	process	NOUN
fsr-3213	52	16	of	of	ADP
fsr-3213	52	17	emotions	emotion	NOUN
fsr-3213	52	18	(	(	PUNCT
fsr-3213	52	19	i.e.	i.e.	X
fsr-3213	52	20	,	,	PUNCT
fsr-3213	52	21	stress	stress	NOUN
fsr-3213	52	22	)	)	PUNCT
fsr-3213	52	23	as	as	ADP
fsr-3213	52	24	composed	compose	VERB
fsr-3213	52	25	of	of	ADP
fsr-3213	52	26	causal	causal	ADJ
fsr-3213	52	27	antecedents	antecedent	NOUN
fsr-3213	52	28	,	,	PUNCT
fsr-3213	52	29	mediating	mediating	NOUN
fsr-3213	52	30	processes	process	NOUN
fsr-3213	52	31	,	,	PUNCT
fsr-3213	52	32	and	and	CCONJ
fsr-3213	52	33	effects	effect	NOUN
fsr-3213	52	34	.	.	PUNCT
fsr-3213	53	1	antecedents	antecedent	NOUN
fsr-3213	53	2	are	be	AUX
fsr-3213	53	3	individual	individual	ADJ
fsr-3213	53	4	variables	variable	NOUN
fsr-3213	53	5	,	,	PUNCT
fsr-3213	53	6	such	such	ADJ
fsr-3213	53	7	as	as	ADP
fsr-3213	53	8	commitments	commitment	NOUN
fsr-3213	53	9	,	,	PUNCT
fsr-3213	53	10	beliefs	belief	NOUN
fsr-3213	53	11	,	,	PUNCT
fsr-3213	53	12	or	or	CCONJ
fsr-3213	53	13	environmental	environmental	ADJ
fsr-3213	53	14	variables	variable	NOUN
fsr-3213	53	15	,	,	PUNCT
fsr-3213	53	16	such	such	ADJ
fsr-3213	53	17	as	as	ADP
fsr-3213	53	18	demands	demand	NOUN
fsr-3213	53	19	or	or	CCONJ
fsr-3213	53	20	situational	situational	ADJ
fsr-3213	53	21	constraints	constraint	NOUN
fsr-3213	53	22	.	.	PUNCT
fsr-3213	54	1	a	a	DET
fsr-3213	54	2	mediating	mediating	NOUN
fsr-3213	54	3	process	process	NOUN
fsr-3213	54	4	is	be	AUX
fsr-3213	54	5	an	an	DET
fsr-3213	54	6	appraisal	appraisal	NOUN
fsr-3213	54	7	of	of	ADP
fsr-3213	54	8	a	a	DET
fsr-3213	54	9	situation	situation	NOUN
fsr-3213	54	10	and	and	CCONJ
fsr-3213	54	11	an	an	DET
fsr-3213	54	12	assessment	assessment	NOUN
fsr-3213	54	13	of	of	ADP
fsr-3213	54	14	personal	personal	ADJ
fsr-3213	54	15	coping	cope	VERB
fsr-3213	54	16	options	option	NOUN
fsr-3213	54	17	.	.	PUNCT
fsr-3213	55	1	effects	effect	NOUN
fsr-3213	55	2	can	can	AUX
fsr-3213	55	3	be	be	AUX
fsr-3213	55	4	immediate	immediate	ADJ
fsr-3213	55	5	or	or	CCONJ
fsr-3213	55	6	long	long	ADJ
fsr-3213	55	7	-	-	PUNCT
fsr-3213	55	8	term	term	NOUN
fsr-3213	55	9	and	and	CCONJ
fsr-3213	55	10	may	may	AUX
fsr-3213	55	11	include	include	VERB
fsr-3213	55	12	areas	area	NOUN
fsr-3213	55	13	such	such	ADJ
fsr-3213	55	14	as	as	ADP
fsr-3213	55	15	psychological	psychological	ADJ
fsr-3213	55	16	well	well	ADV
fsr-3213	55	17	-	-	PUNCT
fsr-3213	55	18	being	being	NOUN
fsr-3213	55	19	,	,	PUNCT
fsr-3213	55	20	somatic	somatic	ADJ
fsr-3213	55	21	health	health	NOUN
fsr-3213	55	22	and	and	CCONJ
fsr-3213	55	23	social	social	ADJ
fsr-3213	55	24	functioning	functioning	NOUN
fsr-3213	55	25	.	.	PUNCT
fsr-3213	56	1	in	in	ADP
fsr-3213	56	2	this	this	DET
fsr-3213	56	3	context	context	NOUN
fsr-3213	56	4	,	,	PUNCT
fsr-3213	56	5	self	self	NOUN
fsr-3213	56	6	-	-	PUNCT
fsr-3213	56	7	efficacy	efficacy	NOUN
fsr-3213	56	8	,	,	PUNCT
fsr-3213	56	9	along	along	ADP
fsr-3213	56	10	with	with	ADP
fsr-3213	56	11	other	other	ADJ
fsr-3213	56	12	factors	factor	NOUN
fsr-3213	56	13	such	such	ADJ
fsr-3213	56	14	as	as	ADP
fsr-3213	56	15	locus	locus	NOUN
fsr-3213	56	16	of	of	ADP
fsr-3213	56	17	control	control	NOUN
fsr-3213	56	18	,	,	PUNCT
fsr-3213	56	19	anxiety	anxiety	NOUN
fsr-3213	56	20	or	or	CCONJ
fsr-3213	56	21	self	self	NOUN
fsr-3213	56	22	-	-	PUNCT
fsr-3213	56	23	esteem	esteem	NOUN
fsr-3213	56	24	,	,	PUNCT
fsr-3213	56	25	is	be	AUX
fsr-3213	56	26	considered	consider	VERB
fsr-3213	56	27	a	a	DET
fsr-3213	56	28	mediating	mediate	VERB
fsr-3213	56	29	process	process	NOUN
fsr-3213	56	30	that	that	PRON
fsr-3213	56	31	helps	help	VERB
fsr-3213	56	32	an	an	DET
fsr-3213	56	33	individual	individual	NOUN
fsr-3213	56	34	to	to	PART
fsr-3213	56	35	manage	manage	VERB
fsr-3213	56	36	situational	situational	ADJ
fsr-3213	56	37	requirements	requirement	NOUN
fsr-3213	56	38	(	(	PUNCT
fsr-3213	56	39	bandura	bandura	NOUN
fsr-3213	56	40	,	,	PUNCT
fsr-3213	56	41	1992	1992	NUM
fsr-3213	56	42	;	;	PUNCT
fsr-3213	56	43	jerusalem	jerusalem	PROPN
fsr-3213	56	44	and	and	CCONJ
fsr-3213	56	45	schwarzer	schwarzer	NOUN
fsr-3213	56	46	,	,	PUNCT
fsr-3213	56	47	1992	1992	NUM
fsr-3213	56	48	)	)	PUNCT
fsr-3213	56	49	.	.	PUNCT
fsr-3213	57	1	given	give	VERB
fsr-3213	57	2	a	a	DET
fsr-3213	57	3	stressful	stressful	ADJ
fsr-3213	57	4	situation	situation	NOUN
fsr-3213	57	5	,	,	PUNCT
fsr-3213	57	6	such	such	ADJ
fsr-3213	57	7	as	as	ADP
fsr-3213	57	8	financial	financial	ADJ
fsr-3213	57	9	distress	distress	NOUN
fsr-3213	57	10	,	,	PUNCT
fsr-3213	57	11	self	self	NOUN
fsr-3213	57	12	-	-	PUNCT
fsr-3213	57	13	efficacy	efficacy	NOUN
fsr-3213	57	14	can	can	AUX
fsr-3213	57	15	act	act	VERB
fsr-3213	57	16	as	as	ADP
fsr-3213	57	17	a	a	DET
fsr-3213	57	18	coping	cope	VERB
fsr-3213	57	19	mechanism	mechanism	NOUN
fsr-3213	57	20	and	and	CCONJ
fsr-3213	57	21	thus	thus	ADV
fsr-3213	57	22	help	help	VERB
fsr-3213	57	23	lessen	lessen	VERB
fsr-3213	57	24	the	the	DET
fsr-3213	57	25	stressful	stressful	ADJ
fsr-3213	57	26	situation	situation	NOUN
fsr-3213	57	27	.	.	PUNCT
fsr-3213	58	1	financial	financial	ADJ
fsr-3213	58	2	stress	stress	NOUN
fsr-3213	58	3	can	can	AUX
fsr-3213	58	4	arise	arise	VERB
fsr-3213	58	5	from	from	ADP
fsr-3213	58	6	personal	personal	ADJ
fsr-3213	58	7	,	,	PUNCT
fsr-3213	58	8	family	family	NOUN
fsr-3213	58	9	,	,	PUNCT
fsr-3213	58	10	or	or	CCONJ
fsr-3213	58	11	financial	financial	ADJ
fsr-3213	58	12	situations	situation	NOUN
fsr-3213	58	13	(	(	PUNCT
fsr-3213	58	14	joo	joo	NOUN
fsr-3213	58	15	,	,	PUNCT
fsr-3213	58	16	1998	1998	NUM
fsr-3213	58	17	)	)	PUNCT
fsr-3213	58	18	and	and	CCONJ
fsr-3213	58	19	the	the	DET
fsr-3213	58	20	impact	impact	NOUN
fsr-3213	58	21	of	of	ADP
fsr-3213	58	22	financial	financial	ADJ
fsr-3213	58	23	stress	stress	NOUN
fsr-3213	58	24	can	can	AUX
fsr-3213	58	25	be	be	AUX
fsr-3213	58	26	far	far	ADV
fsr-3213	58	27	-	-	PUNCT
fsr-3213	58	28	reaching	reach	VERB
fsr-3213	58	29	.	.	PUNCT
fsr-3213	59	1	wrosch	wrosch	PROPN
fsr-3213	59	2	,	,	PUNCT
fsr-3213	59	3	heckhausen	heckhausen	NOUN
fsr-3213	59	4	,	,	PUNCT
fsr-3213	59	5	and	and	CCONJ
fsr-3213	59	6	lachman	lachman	PROPN
fsr-3213	59	7	(	(	PUNCT
fsr-3213	59	8	2000	2000	NUM
fsr-3213	59	9	)	)	PUNCT
fsr-3213	59	10	107j	107j	NOUN
fsr-3213	59	11	.	.	PUNCT
fsr-3213	60	1	letkiewicz	letkiewicz	PROPN
fsr-3213	60	2	et	et	PROPN
fsr-3213	60	3	al	al	PROPN
fsr-3213	60	4	.	.	PUNCT
fsr-3213	60	5	/	/	SYM
fsr-3213	60	6	financial	financial	ADJ
fsr-3213	60	7	services	service	NOUN
fsr-3213	60	8	review	review	VERB
fsr-3213	60	9	25	25	NUM
fsr-3213	60	10	(	(	PUNCT
fsr-3213	60	11	2016	2016	NUM
fsr-3213	60	12	)	)	PUNCT
fsr-3213	60	13	105–126	105–126	NUM
fsr-3213	60	14	explore	explore	VERB
fsr-3213	60	15	how	how	SCONJ
fsr-3213	60	16	financial	financial	ADJ
fsr-3213	60	17	stress	stress	NOUN
fsr-3213	60	18	affects	affect	VERB
fsr-3213	60	19	perceptions	perception	NOUN
fsr-3213	60	20	of	of	ADP
fsr-3213	60	21	well	well	ADV
fsr-3213	60	22	-	-	PUNCT
fsr-3213	60	23	being	being	NOUN
fsr-3213	60	24	.	.	PUNCT
fsr-3213	61	1	kim	kim	PROPN
fsr-3213	61	2	and	and	CCONJ
fsr-3213	61	3	garman	garman	PROPN
fsr-3213	61	4	(	(	PUNCT
fsr-3213	61	5	2003	2003	NUM
fsr-3213	61	6	)	)	PUNCT
fsr-3213	61	7	show	show	VERB
fsr-3213	61	8	that	that	SCONJ
fsr-3213	61	9	employees	employee	NOUN
fsr-3213	61	10	with	with	ADP
fsr-3213	61	11	financial	financial	ADJ
fsr-3213	61	12	stress	stress	NOUN
fsr-3213	61	13	have	have	VERB
fsr-3213	61	14	greater	great	ADJ
fsr-3213	61	15	absenteeism	absenteeism	NOUN
fsr-3213	61	16	and	and	CCONJ
fsr-3213	61	17	were	be	AUX
fsr-3213	61	18	less	less	ADV
fsr-3213	61	19	committed	committed	ADJ
fsr-3213	61	20	to	to	ADP
fsr-3213	61	21	their	their	PRON
fsr-3213	61	22	organizations	organization	NOUN
fsr-3213	61	23	.	.	PUNCT
fsr-3213	62	1	britt	britt	NOUN
fsr-3213	62	2	,	,	PUNCT
fsr-3213	62	3	gable	gable	PROPN
fsr-3213	62	4	,	,	PUNCT
fsr-3213	62	5	goff	goff	PROPN
fsr-3213	62	6	,	,	PUNCT
fsr-3213	62	7	and	and	CCONJ
fsr-3213	62	8	white	white	ADJ
fsr-3213	62	9	(	(	PUNCT
fsr-3213	62	10	2009	2009	NUM
fsr-3213	62	11	)	)	PUNCT
fsr-3213	62	12	find	find	VERB
fsr-3213	62	13	that	that	SCONJ
fsr-3213	62	14	in	in	ADP
fsr-3213	62	15	couples	couple	NOUN
fsr-3213	62	16	,	,	PUNCT
fsr-3213	62	17	the	the	DET
fsr-3213	62	18	partner	partner	NOUN
fsr-3213	62	19	’s	’s	PART
fsr-3213	62	20	spending	spend	VERB
fsr-3213	62	21	behavior	behavior	NOUN
fsr-3213	62	22	is	be	AUX
fsr-3213	62	23	a	a	DET
fsr-3213	62	24	key	key	ADJ
fsr-3213	62	25	factor	factor	NOUN
fsr-3213	62	26	influencing	influence	VERB
fsr-3213	62	27	relationship	relationship	NOUN
fsr-3213	62	28	satisfaction	satisfaction	NOUN
fsr-3213	62	29	.	.	PUNCT
fsr-3213	63	1	self	self	NOUN
fsr-3213	63	2	-	-	PUNCT
fsr-3213	63	3	efficacy	efficacy	NOUN
fsr-3213	63	4	refers	refer	VERB
fsr-3213	63	5	to	to	ADP
fsr-3213	63	6	people	people	NOUN
fsr-3213	63	7	’s	’s	PART
fsr-3213	63	8	beliefs	belief	NOUN
fsr-3213	63	9	in	in	ADP
fsr-3213	63	10	their	their	PRON
fsr-3213	63	11	capabilities	capability	NOUN
fsr-3213	63	12	to	to	PART
fsr-3213	63	13	produce	produce	VERB
fsr-3213	63	14	given	give	VERB
fsr-3213	63	15	attainment	attainment	NOUN
fsr-3213	63	16	(	(	PUNCT
fsr-3213	63	17	bandura	bandura	NOUN
fsr-3213	63	18	,	,	PUNCT
fsr-3213	63	19	1997	1997	NUM
fsr-3213	63	20	)	)	PUNCT
fsr-3213	63	21	.	.	PUNCT
fsr-3213	64	1	self	self	NOUN
fsr-3213	64	2	-	-	PUNCT
fsr-3213	64	3	efficacy	efficacy	NOUN
fsr-3213	64	4	is	be	AUX
fsr-3213	64	5	domain	domain	NOUN
fsr-3213	64	6	specific	specific	ADJ
fsr-3213	64	7	(	(	PUNCT
fsr-3213	64	8	bandura	bandura	NOUN
fsr-3213	64	9	,	,	PUNCT
fsr-3213	64	10	1997	1997	NUM
fsr-3213	64	11	,	,	PUNCT
fsr-3213	64	12	2006	2006	NUM
fsr-3213	64	13	;	;	PUNCT
fsr-3213	64	14	lown	lown	PROPN
fsr-3213	64	15	,	,	PUNCT
fsr-3213	64	16	2011	2011	NUM
fsr-3213	64	17	)	)	PUNCT
fsr-3213	64	18	,	,	PUNCT
fsr-3213	64	19	meaning	mean	VERB
fsr-3213	64	20	that	that	SCONJ
fsr-3213	64	21	it	it	PRON
fsr-3213	64	22	is	be	AUX
fsr-3213	64	23	not	not	PART
fsr-3213	64	24	universal	universal	ADJ
fsr-3213	64	25	across	across	ADP
fsr-3213	64	26	all	all	DET
fsr-3213	64	27	aspects	aspect	NOUN
fsr-3213	64	28	of	of	ADP
fsr-3213	64	29	one	one	NUM
fsr-3213	64	30	’s	’s	PART
fsr-3213	64	31	life	life	NOUN
fsr-3213	64	32	.	.	PUNCT
fsr-3213	65	1	bandura	bandura	NOUN
fsr-3213	65	2	(	(	PUNCT
fsr-3213	65	3	2006	2006	NUM
fsr-3213	65	4	)	)	PUNCT
fsr-3213	65	5	differentiates	differentiate	NOUN
fsr-3213	65	6	between	between	ADP
fsr-3213	65	7	general	general	ADJ
fsr-3213	65	8	self	self	NOUN
fsr-3213	65	9	-	-	PUNCT
fsr-3213	65	10	efficacy	efficacy	NOUN
fsr-3213	65	11	and	and	CCONJ
fsr-3213	65	12	domain	domain	NOUN
fsr-3213	65	13	-	-	PUNCT
fsr-3213	65	14	specific	specific	ADJ
fsr-3213	65	15	self	self	NOUN
fsr-3213	65	16	-	-	PUNCT
fsr-3213	65	17	efficacy	efficacy	NOUN
fsr-3213	65	18	.	.	PUNCT
fsr-3213	66	1	for	for	ADP
fsr-3213	66	2	example	example	NOUN
fsr-3213	66	3	,	,	PUNCT
fsr-3213	66	4	the	the	DET
fsr-3213	66	5	belief	belief	NOUN
fsr-3213	66	6	in	in	ADP
fsr-3213	66	7	one	one	NUM
fsr-3213	66	8	’s	’s	PART
fsr-3213	66	9	ability	ability	NOUN
fsr-3213	66	10	to	to	PART
fsr-3213	66	11	compete	compete	VERB
fsr-3213	66	12	in	in	ADP
fsr-3213	66	13	a	a	DET
fsr-3213	66	14	triathlon	triathlon	NOUN
fsr-3213	66	15	does	do	AUX
fsr-3213	66	16	not	not	PART
fsr-3213	66	17	necessarily	necessarily	ADV
fsr-3213	66	18	mean	mean	VERB
fsr-3213	66	19	the	the	DET
fsr-3213	66	20	person	person	NOUN
fsr-3213	66	21	believes	believe	VERB
fsr-3213	66	22	they	they	PRON
fsr-3213	66	23	can	can	AUX
fsr-3213	66	24	manage	manage	VERB
fsr-3213	66	25	money	money	NOUN
fsr-3213	66	26	with	with	ADP
fsr-3213	66	27	the	the	DET
fsr-3213	66	28	same	same	ADJ
fsr-3213	66	29	sense	sense	NOUN
fsr-3213	66	30	of	of	ADP
fsr-3213	66	31	confidence	confidence	NOUN
fsr-3213	66	32	.	.	PUNCT
fsr-3213	67	1	self	self	NOUN
fsr-3213	67	2	-	-	PUNCT
fsr-3213	67	3	efficacy	efficacy	NOUN
fsr-3213	67	4	affects	affect	VERB
fsr-3213	67	5	every	every	DET
fsr-3213	67	6	area	area	NOUN
fsr-3213	67	7	of	of	ADP
fsr-3213	67	8	human	human	ADJ
fsr-3213	67	9	endeavor	endeavor	NOUN
fsr-3213	67	10	including	include	VERB
fsr-3213	67	11	health	health	NOUN
fsr-3213	67	12	,	,	PUNCT
fsr-3213	67	13	academic	academic	ADJ
fsr-3213	67	14	performance	performance	NOUN
fsr-3213	67	15	,	,	PUNCT
fsr-3213	67	16	and	and	CCONJ
fsr-3213	67	17	personal	personal	ADJ
fsr-3213	67	18	finances	finance	NOUN
fsr-3213	67	19	(	(	PUNCT
fsr-3213	67	20	grembowski	grembowski	PROPN
fsr-3213	67	21	et	et	PROPN
fsr-3213	67	22	al	al	PROPN
fsr-3213	67	23	.	.	PROPN
fsr-3213	67	24	,	,	PUNCT
fsr-3213	67	25	1993	1993	NUM
fsr-3213	67	26	;	;	PUNCT
fsr-3213	67	27	lent	lent	NOUN
fsr-3213	67	28	,	,	PUNCT
fsr-3213	67	29	brown	brown	ADJ
fsr-3213	67	30	,	,	PUNCT
fsr-3213	67	31	and	and	CCONJ
fsr-3213	67	32	larkin	larkin	PROPN
fsr-3213	67	33	,	,	PUNCT
fsr-3213	67	34	1986	1986	NUM
fsr-3213	67	35	;	;	PUNCT
fsr-3213	67	36	lapp	lapp	PROPN
fsr-3213	67	37	,	,	PUNCT
fsr-3213	67	38	2010	2010	NUM
fsr-3213	67	39	)	)	PUNCT
fsr-3213	67	40	.	.	PUNCT
fsr-3213	68	1	self	self	NOUN
fsr-3213	68	2	-	-	PUNCT
fsr-3213	68	3	efficacy	efficacy	NOUN
fsr-3213	68	4	is	be	AUX
fsr-3213	68	5	particularly	particularly	ADV
fsr-3213	68	6	important	important	ADJ
fsr-3213	68	7	in	in	ADP
fsr-3213	68	8	the	the	DET
fsr-3213	68	9	context	context	NOUN
fsr-3213	68	10	of	of	ADP
fsr-3213	68	11	financial	financial	ADJ
fsr-3213	68	12	decisions	decision	NOUN
fsr-3213	68	13	and	and	CCONJ
fsr-3213	68	14	helpseeking	helpseeke	VERB
fsr-3213	68	15	because	because	SCONJ
fsr-3213	68	16	it	it	PRON
fsr-3213	68	17	influences	influence	VERB
fsr-3213	68	18	individuals	individual	NOUN
fsr-3213	68	19	’	'	PUNCT
fsr-3213	68	20	behavioral	behavioral	ADJ
fsr-3213	68	21	changes	change	NOUN
fsr-3213	68	22	(	(	PUNCT
fsr-3213	68	23	bandura	bandura	NOUN
fsr-3213	68	24	,	,	PUNCT
fsr-3213	68	25	1977	1977	NUM
fsr-3213	68	26	;	;	PUNCT
fsr-3213	68	27	gecas	geca	NOUN
fsr-3213	68	28	,	,	PUNCT
fsr-3213	68	29	1989	1989	NUM
fsr-3213	68	30	)	)	PUNCT
fsr-3213	68	31	.	.	PUNCT
fsr-3213	69	1	research	research	NOUN
fsr-3213	69	2	in	in	ADP
fsr-3213	69	3	the	the	DET
fsr-3213	69	4	health	health	NOUN
fsr-3213	69	5	and	and	CCONJ
fsr-3213	69	6	exercise	exercise	NOUN
fsr-3213	69	7	fields	field	NOUN
fsr-3213	69	8	demonstrates	demonstrate	VERB
fsr-3213	69	9	that	that	SCONJ
fsr-3213	69	10	self	self	NOUN
fsr-3213	69	11	-	-	PUNCT
fsr-3213	69	12	efficacy	efficacy	NOUN
fsr-3213	69	13	can	can	AUX
fsr-3213	69	14	be	be	AUX
fsr-3213	69	15	boosted	boost	VERB
fsr-3213	69	16	to	to	PART
fsr-3213	69	17	encourage	encourage	VERB
fsr-3213	69	18	health	health	NOUN
fsr-3213	69	19	-	-	PUNCT
fsr-3213	69	20	promoting	promote	VERB
fsr-3213	69	21	behaviors	behavior	NOUN
fsr-3213	69	22	(	(	PUNCT
fsr-3213	69	23	grembowski	grembowski	PROPN
fsr-3213	69	24	et	et	PROPN
fsr-3213	69	25	al	al	PROPN
fsr-3213	69	26	.	.	PROPN
fsr-3213	69	27	,	,	PUNCT
fsr-3213	69	28	1993	1993	NUM
fsr-3213	69	29	)	)	PUNCT
fsr-3213	69	30	.	.	PUNCT
fsr-3213	70	1	individuals	individual	NOUN
fsr-3213	70	2	with	with	ADP
fsr-3213	70	3	high	high	ADJ
fsr-3213	70	4	levels	level	NOUN
fsr-3213	70	5	of	of	ADP
fsr-3213	70	6	self	self	NOUN
fsr-3213	70	7	-	-	PUNCT
fsr-3213	70	8	efficacy	efficacy	NOUN
fsr-3213	70	9	are	be	AUX
fsr-3213	70	10	more	more	ADV
fsr-3213	70	11	successful	successful	ADJ
fsr-3213	70	12	than	than	ADP
fsr-3213	70	13	those	those	PRON
fsr-3213	70	14	with	with	ADP
fsr-3213	70	15	low	low	ADJ
fsr-3213	70	16	self	self	NOUN
fsr-3213	70	17	-	-	PUNCT
fsr-3213	70	18	efficacy	efficacy	NOUN
fsr-3213	70	19	in	in	ADP
fsr-3213	70	20	coping	cope	VERB
fsr-3213	70	21	with	with	ADP
fsr-3213	70	22	adversity	adversity	NOUN
fsr-3213	70	23	(	(	PUNCT
fsr-3213	70	24	park	park	NOUN
fsr-3213	70	25	and	and	CCONJ
fsr-3213	70	26	folkman	folkman	NOUN
fsr-3213	70	27	,	,	PUNCT
fsr-3213	70	28	1997	1997	NUM
fsr-3213	70	29	)	)	PUNCT
fsr-3213	70	30	.	.	PUNCT
fsr-3213	71	1	lapp	lapp	NOUN
fsr-3213	71	2	(	(	PUNCT
fsr-3213	71	3	2010	2010	NUM
fsr-3213	71	4	)	)	PUNCT
fsr-3213	71	5	finds	find	VERB
fsr-3213	71	6	higher	high	ADJ
fsr-3213	71	7	financial	financial	ADJ
fsr-3213	71	8	self	self	NOUN
fsr-3213	71	9	-	-	PUNCT
fsr-3213	71	10	efficacy	efficacy	NOUN
fsr-3213	71	11	is	be	AUX
fsr-3213	71	12	associated	associate	VERB
fsr-3213	71	13	with	with	ADP
fsr-3213	71	14	lower	low	ADJ
fsr-3213	71	15	debt	debt	NOUN
fsr-3213	71	16	,	,	PUNCT
fsr-3213	71	17	fewer	few	ADJ
fsr-3213	71	18	financial	financial	ADJ
fsr-3213	71	19	problems	problem	NOUN
fsr-3213	71	20	,	,	PUNCT
fsr-3213	71	21	lower	low	ADJ
fsr-3213	71	22	financial	financial	ADJ
fsr-3213	71	23	stress	stress	NOUN
fsr-3213	71	24	,	,	PUNCT
fsr-3213	71	25	higher	high	ADJ
fsr-3213	71	26	savings	saving	NOUN
fsr-3213	71	27	,	,	PUNCT
fsr-3213	71	28	and	and	CCONJ
fsr-3213	71	29	greater	great	ADJ
fsr-3213	71	30	financial	financial	ADJ
fsr-3213	71	31	happiness	happiness	NOUN
fsr-3213	71	32	.	.	PUNCT
fsr-3213	72	1	in	in	ADP
fsr-3213	72	2	studies	study	NOUN
fsr-3213	72	3	examining	examine	VERB
fsr-3213	72	4	self	self	NOUN
fsr-3213	72	5	-	-	PUNCT
fsr-3213	72	6	efficacy	efficacy	NOUN
fsr-3213	72	7	,	,	PUNCT
fsr-3213	72	8	risk	risk	NOUN
fsr-3213	72	9	tolerance	tolerance	NOUN
fsr-3213	72	10	,	,	PUNCT
fsr-3213	72	11	age	age	NOUN
fsr-3213	72	12	,	,	PUNCT
fsr-3213	72	13	and	and	CCONJ
fsr-3213	72	14	education	education	NOUN
fsr-3213	72	15	are	be	AUX
fsr-3213	72	16	positively	positively	ADV
fsr-3213	72	17	correlated	correlate	VERB
fsr-3213	72	18	with	with	ADP
fsr-3213	72	19	self	self	NOUN
fsr-3213	72	20	-	-	PUNCT
fsr-3213	72	21	efficacy	efficacy	NOUN
fsr-3213	72	22	(	(	PUNCT
fsr-3213	72	23	lown	lown	PROPN
fsr-3213	72	24	,	,	PUNCT
fsr-3213	72	25	2011	2011	NUM
fsr-3213	72	26	)	)	PUNCT
fsr-3213	72	27	.	.	PUNCT
fsr-3213	73	1	engelberg	engelberg	NOUN
fsr-3213	73	2	(	(	PUNCT
fsr-3213	73	3	2007	2007	NUM
fsr-3213	73	4	)	)	PUNCT
fsr-3213	73	5	finds	find	VERB
fsr-3213	73	6	that	that	SCONJ
fsr-3213	73	7	respondents	respondent	NOUN
fsr-3213	73	8	with	with	ADP
fsr-3213	73	9	a	a	DET
fsr-3213	73	10	high	high	ADJ
fsr-3213	73	11	sense	sense	NOUN
fsr-3213	73	12	of	of	ADP
fsr-3213	73	13	self	self	NOUN
fsr-3213	73	14	-	-	PUNCT
fsr-3213	73	15	efficacy	efficacy	NOUN
fsr-3213	73	16	are	be	AUX
fsr-3213	73	17	less	less	ADV
fsr-3213	73	18	likely	likely	ADJ
fsr-3213	73	19	to	to	PART
fsr-3213	73	20	perceive	perceive	VERB
fsr-3213	73	21	themselves	themselves	PRON
fsr-3213	73	22	being	be	AUX
fsr-3213	73	23	at	at	ADP
fsr-3213	73	24	risk	risk	NOUN
fsr-3213	73	25	for	for	ADP
fsr-3213	73	26	disrupted	disrupted	ADJ
fsr-3213	73	27	income	income	NOUN
fsr-3213	73	28	,	,	PUNCT
fsr-3213	73	29	unforeseen	unforeseen	ADJ
fsr-3213	73	30	expenses	expense	NOUN
fsr-3213	73	31	,	,	PUNCT
fsr-3213	73	32	and	and	CCONJ
fsr-3213	73	33	unsuccessful	unsuccessful	ADJ
fsr-3213	73	34	investments	investment	NOUN
fsr-3213	73	35	,	,	PUNCT
fsr-3213	73	36	as	as	ADP
fsr-3213	73	37	compared	compare	VERB
fsr-3213	73	38	with	with	ADP
fsr-3213	73	39	those	those	PRON
fsr-3213	73	40	with	with	ADP
fsr-3213	73	41	low	low	ADJ
fsr-3213	73	42	self	self	NOUN
fsr-3213	73	43	-	-	PUNCT
fsr-3213	73	44	efficacy	efficacy	NOUN
fsr-3213	73	45	.	.	PUNCT
fsr-3213	74	1	the	the	DET
fsr-3213	74	2	study	study	NOUN
fsr-3213	74	3	finds	find	VERB
fsr-3213	74	4	that	that	SCONJ
fsr-3213	74	5	those	those	PRON
fsr-3213	74	6	with	with	ADP
fsr-3213	74	7	high	high	ADJ
fsr-3213	74	8	self	self	NOUN
fsr-3213	74	9	-	-	PUNCT
fsr-3213	74	10	efficacy	efficacy	NOUN
fsr-3213	74	11	report	report	NOUN
fsr-3213	74	12	a	a	DET
fsr-3213	74	13	sense	sense	NOUN
fsr-3213	74	14	of	of	ADP
fsr-3213	74	15	financial	financial	ADJ
fsr-3213	74	16	control	control	NOUN
fsr-3213	74	17	,	,	PUNCT
fsr-3213	74	18	less	less	ADJ
fsr-3213	74	19	attachment	attachment	NOUN
fsr-3213	74	20	to	to	ADP
fsr-3213	74	21	the	the	DET
fsr-3213	74	22	importance	importance	NOUN
fsr-3213	74	23	of	of	ADP
fsr-3213	74	24	money	money	NOUN
fsr-3213	74	25	,	,	PUNCT
fsr-3213	74	26	better	well	ADJ
fsr-3213	74	27	economic	economic	ADJ
fsr-3213	74	28	knowledge	knowledge	NOUN
fsr-3213	74	29	,	,	PUNCT
fsr-3213	74	30	a	a	DET
fsr-3213	74	31	more	more	ADV
fsr-3213	74	32	optimistic	optimistic	ADJ
fsr-3213	74	33	view	view	NOUN
fsr-3213	74	34	of	of	ADP
fsr-3213	74	35	their	their	PRON
fsr-3213	74	36	financial	financial	ADJ
fsr-3213	74	37	situation	situation	NOUN
fsr-3213	74	38	and	and	CCONJ
fsr-3213	74	39	less	less	ADJ
fsr-3213	74	40	distrust	distrust	NOUN
fsr-3213	74	41	in	in	ADP
fsr-3213	74	42	money	money	NOUN
fsr-3213	74	43	matters	matter	NOUN
fsr-3213	74	44	.	.	PUNCT
fsr-3213	75	1	lacking	lack	VERB
fsr-3213	75	2	a	a	DET
fsr-3213	75	3	sense	sense	NOUN
fsr-3213	75	4	of	of	ADP
fsr-3213	75	5	economic	economic	ADJ
fsr-3213	75	6	self	self	NOUN
fsr-3213	75	7	-	-	PUNCT
fsr-3213	75	8	efficacy	efficacy	NOUN
fsr-3213	75	9	is	be	AUX
fsr-3213	75	10	associated	associate	VERB
fsr-3213	75	11	with	with	ADP
fsr-3213	75	12	feelings	feeling	NOUN
fsr-3213	75	13	of	of	ADP
fsr-3213	75	14	stress	stress	NOUN
fsr-3213	75	15	,	,	PUNCT
fsr-3213	75	16	negative	negative	ADJ
fsr-3213	75	17	emotion	emotion	NOUN
fsr-3213	75	18	,	,	PUNCT
fsr-3213	75	19	and	and	CCONJ
fsr-3213	75	20	in	in	ADP
fsr-3213	75	21	more	more	ADV
fsr-3213	75	22	extreme	extreme	ADJ
fsr-3213	75	23	cases	case	NOUN
fsr-3213	75	24	,	,	PUNCT
fsr-3213	75	25	depression	depression	NOUN
fsr-3213	75	26	(	(	PUNCT
fsr-3213	75	27	e.g.	e.g.	ADJ
fsr-3213	75	28	,	,	PUNCT
fsr-3213	75	29	burgogne	burgogne	NOUN
fsr-3213	75	30	,	,	PUNCT
fsr-3213	75	31	1990	1990	NUM
fsr-3213	75	32	;	;	PUNCT
fsr-3213	75	33	ennis	ennis	PROPN
fsr-3213	75	34	,	,	PUNCT
fsr-3213	75	35	hobfoll	hobfoll	NOUN
fsr-3213	75	36	,	,	PUNCT
fsr-3213	75	37	and	and	CCONJ
fsr-3213	75	38	schroeder	schroeder	PROPN
fsr-3213	75	39	,	,	PUNCT
fsr-3213	75	40	2000	2000	NUM
fsr-3213	75	41	;	;	PUNCT
fsr-3213	75	42	krause	krause	NOUN
fsr-3213	75	43	and	and	CCONJ
fsr-3213	75	44	baker	baker	PROPN
fsr-3213	75	45	,	,	PUNCT
fsr-3213	75	46	1992	1992	NUM
fsr-3213	75	47	;	;	PUNCT
fsr-3213	75	48	mates	mate	NOUN
fsr-3213	75	49	and	and	CCONJ
fsr-3213	75	50	allison	allison	PROPN
fsr-3213	75	51	,	,	PUNCT
fsr-3213	75	52	1992	1992	NUM
fsr-3213	75	53	)	)	PUNCT
fsr-3213	75	54	.	.	PUNCT
fsr-3213	76	1	remund	remund	NOUN
fsr-3213	76	2	(	(	PUNCT
fsr-3213	76	3	2010	2010	NUM
fsr-3213	76	4	)	)	PUNCT
fsr-3213	76	5	proposes	propose	VERB
fsr-3213	76	6	that	that	SCONJ
fsr-3213	76	7	better	well	ADJ
fsr-3213	76	8	consumer	consumer	NOUN
fsr-3213	76	9	financial	financial	ADJ
fsr-3213	76	10	decision	decision	NOUN
fsr-3213	76	11	making	make	VERB
fsr-3213	76	12	stems	stem	VERB
fsr-3213	76	13	from	from	ADP
fsr-3213	76	14	financial	financial	ADJ
fsr-3213	76	15	self	self	NOUN
fsr-3213	76	16	-	-	PUNCT
fsr-3213	76	17	efficacy	efficacy	NOUN
fsr-3213	76	18	—	—	PUNCT
fsr-3213	76	19	a	a	DET
fsr-3213	76	20	belief	belief	NOUN
fsr-3213	76	21	that	that	SCONJ
fsr-3213	76	22	one	one	PRON
fsr-3213	76	23	can	can	AUX
fsr-3213	76	24	effectively	effectively	ADV
fsr-3213	76	25	manage	manage	VERB
fsr-3213	76	26	his	his	PRON
fsr-3213	76	27	/	/	SYM
fsr-3213	76	28	her	her	PRON
fsr-3213	76	29	personal	personal	ADJ
fsr-3213	76	30	financial	financial	ADJ
fsr-3213	76	31	affairs	affair	NOUN
fsr-3213	76	32	.	.	PUNCT
fsr-3213	77	1	along	along	ADP
fsr-3213	77	2	the	the	DET
fsr-3213	77	3	same	same	ADJ
fsr-3213	77	4	lines	line	NOUN
fsr-3213	77	5	,	,	PUNCT
fsr-3213	77	6	lapp	lapp	X
fsr-3213	77	7	(	(	PUNCT
fsr-3213	77	8	2010	2010	NUM
fsr-3213	77	9	)	)	PUNCT
fsr-3213	77	10	finds	find	VERB
fsr-3213	77	11	that	that	SCONJ
fsr-3213	77	12	financial	financial	ADJ
fsr-3213	77	13	self	self	NOUN
fsr-3213	77	14	-	-	PUNCT
fsr-3213	77	15	efficacy	efficacy	NOUN
fsr-3213	77	16	is	be	AUX
fsr-3213	77	17	the	the	DET
fsr-3213	77	18	missing	miss	VERB
fsr-3213	77	19	link	link	NOUN
fsr-3213	77	20	between	between	ADP
fsr-3213	77	21	knowledge	knowledge	NOUN
fsr-3213	77	22	and	and	CCONJ
fsr-3213	77	23	effective	effective	ADJ
fsr-3213	77	24	action	action	NOUN
fsr-3213	77	25	and	and	CCONJ
fsr-3213	77	26	that	that	SCONJ
fsr-3213	77	27	given	give	VERB
fsr-3213	77	28	awareness	awareness	NOUN
fsr-3213	77	29	or	or	CCONJ
fsr-3213	77	30	knowledge	knowledge	NOUN
fsr-3213	77	31	about	about	ADP
fsr-3213	77	32	a	a	DET
fsr-3213	77	33	situation	situation	NOUN
fsr-3213	77	34	,	,	PUNCT
fsr-3213	77	35	self	self	NOUN
fsr-3213	77	36	-	-	PUNCT
fsr-3213	77	37	efficacy	efficacy	NOUN
fsr-3213	77	38	will	will	AUX
fsr-3213	77	39	propel	propel	VERB
fsr-3213	77	40	someone	someone	PRON
fsr-3213	77	41	into	into	ADP
fsr-3213	77	42	action	action	NOUN
fsr-3213	77	43	.	.	PUNCT
fsr-3213	78	1	because	because	SCONJ
fsr-3213	78	2	seeking	seek	VERB
fsr-3213	78	3	the	the	DET
fsr-3213	78	4	help	help	NOUN
fsr-3213	78	5	of	of	ADP
fsr-3213	78	6	a	a	DET
fsr-3213	78	7	financial	financial	ADJ
fsr-3213	78	8	planner	planner	NOUN
fsr-3213	78	9	is	be	AUX
fsr-3213	78	10	a	a	DET
fsr-3213	78	11	positive	positive	ADJ
fsr-3213	78	12	consumer	consumer	NOUN
fsr-3213	78	13	decision	decision	NOUN
fsr-3213	78	14	,	,	PUNCT
fsr-3213	78	15	then	then	ADV
fsr-3213	78	16	it	it	PRON
fsr-3213	78	17	is	be	AUX
fsr-3213	78	18	reasonable	reasonable	ADJ
fsr-3213	78	19	to	to	PART
fsr-3213	78	20	expect	expect	VERB
fsr-3213	78	21	that	that	SCONJ
fsr-3213	78	22	financial	financial	ADJ
fsr-3213	78	23	self	self	NOUN
fsr-3213	78	24	-	-	PUNCT
fsr-3213	78	25	efficacy	efficacy	NOUN
fsr-3213	78	26	will	will	AUX
fsr-3213	78	27	be	be	AUX
fsr-3213	78	28	positively	positively	ADV
fsr-3213	78	29	associated	associate	VERB
fsr-3213	78	30	with	with	ADP
fsr-3213	78	31	the	the	DET
fsr-3213	78	32	decision	decision	NOUN
fsr-3213	78	33	to	to	PART
fsr-3213	78	34	seek	seek	VERB
fsr-3213	78	35	financial	financial	ADJ
fsr-3213	78	36	planning	planning	NOUN
fsr-3213	78	37	help	help	NOUN
fsr-3213	78	38	.	.	PUNCT
fsr-3213	79	1	those	those	PRON
fsr-3213	79	2	with	with	ADP
fsr-3213	79	3	a	a	DET
fsr-3213	79	4	high	high	ADJ
fsr-3213	79	5	sense	sense	NOUN
fsr-3213	79	6	of	of	ADP
fsr-3213	79	7	financial	financial	ADJ
fsr-3213	79	8	self	self	NOUN
fsr-3213	79	9	-	-	PUNCT
fsr-3213	79	10	efficacy	efficacy	NOUN
fsr-3213	79	11	may	may	AUX
fsr-3213	79	12	believe	believe	VERB
fsr-3213	79	13	they	they	PRON
fsr-3213	79	14	have	have	VERB
fsr-3213	79	15	the	the	DET
fsr-3213	79	16	ability	ability	NOUN
fsr-3213	79	17	to	to	PART
fsr-3213	79	18	handle	handle	VERB
fsr-3213	79	19	their	their	PRON
fsr-3213	79	20	financial	financial	ADJ
fsr-3213	79	21	affairs	affair	NOUN
fsr-3213	79	22	and	and	CCONJ
fsr-3213	79	23	be	be	AUX
fsr-3213	79	24	able	able	ADJ
fsr-3213	79	25	to	to	PART
fsr-3213	79	26	identify	identify	VERB
fsr-3213	79	27	what	what	PRON
fsr-3213	79	28	they	they	PRON
fsr-3213	79	29	can	can	AUX
fsr-3213	79	30	manage	manage	VERB
fsr-3213	79	31	and	and	CCONJ
fsr-3213	79	32	when	when	SCONJ
fsr-3213	79	33	they	they	PRON
fsr-3213	79	34	need	need	VERB
fsr-3213	79	35	help	help	NOUN
fsr-3213	79	36	.	.	PUNCT
fsr-3213	80	1	those	those	PRON
fsr-3213	80	2	low	low	ADJ
fsr-3213	80	3	in	in	ADP
fsr-3213	80	4	financial	financial	ADJ
fsr-3213	80	5	self	self	NOUN
fsr-3213	80	6	-	-	PUNCT
fsr-3213	80	7	efficacy	efficacy	NOUN
fsr-3213	80	8	may	may	AUX
fsr-3213	80	9	be	be	AUX
fsr-3213	80	10	less	less	ADV
fsr-3213	80	11	able	able	ADJ
fsr-3213	80	12	to	to	PART
fsr-3213	80	13	manage	manage	VERB
fsr-3213	80	14	their	their	PRON
fsr-3213	80	15	financial	financial	ADJ
fsr-3213	80	16	affairs	affair	NOUN
fsr-3213	80	17	and	and	CCONJ
fsr-3213	80	18	therefore	therefore	ADV
fsr-3213	80	19	unable	unable	ADJ
fsr-3213	80	20	to	to	PART
fsr-3213	80	21	determine	determine	VERB
fsr-3213	80	22	when	when	SCONJ
fsr-3213	80	23	they	they	PRON
fsr-3213	80	24	need	need	VERB
fsr-3213	80	25	help	help	NOUN
fsr-3213	80	26	.	.	PUNCT
fsr-3213	81	1	there	there	PRON
fsr-3213	81	2	is	be	VERB
fsr-3213	81	3	some	some	DET
fsr-3213	81	4	evidence	evidence	NOUN
fsr-3213	81	5	to	to	PART
fsr-3213	81	6	suggest	suggest	VERB
fsr-3213	81	7	that	that	SCONJ
fsr-3213	81	8	this	this	PRON
fsr-3213	81	9	is	be	AUX
fsr-3213	81	10	the	the	DET
fsr-3213	81	11	case	case	NOUN
fsr-3213	81	12	.	.	PUNCT
fsr-3213	82	1	a	a	DET
fsr-3213	82	2	study	study	NOUN
fsr-3213	82	3	by	by	ADP
fsr-3213	82	4	parker	parker	PROPN
fsr-3213	82	5	et	et	PROPN
fsr-3213	82	6	al	al	PROPN
fsr-3213	82	7	.	.	PROPN
fsr-3213	82	8	(	(	PUNCT
fsr-3213	82	9	2012	2012	NUM
fsr-3213	82	10	)	)	PUNCT
fsr-3213	82	11	finds	find	VERB
fsr-3213	82	12	that	that	DET
fsr-3213	82	13	confidence	confidence	NOUN
fsr-3213	82	14	,	,	PUNCT
fsr-3213	82	15	a	a	DET
fsr-3213	82	16	trait	trait	NOUN
fsr-3213	82	17	closely	closely	ADV
fsr-3213	82	18	related	relate	VERB
fsr-3213	82	19	to	to	ADP
fsr-3213	82	20	self	self	NOUN
fsr-3213	82	21	-	-	PUNCT
fsr-3213	82	22	efficacy	efficacy	NOUN
fsr-3213	82	23	,	,	PUNCT
fsr-3213	82	24	is	be	AUX
fsr-3213	82	25	positively	positively	ADV
fsr-3213	82	26	correlated	correlate	VERB
fsr-3213	82	27	with	with	ADP
fsr-3213	82	28	the	the	DET
fsr-3213	82	29	likelihood	likelihood	NOUN
fsr-3213	82	30	of	of	ADP
fsr-3213	82	31	retirement	retirement	NOUN
fsr-3213	82	32	planning	planning	NOUN
fsr-3213	82	33	and	and	CCONJ
fsr-3213	82	34	suggests	suggest	VERB
fsr-3213	82	35	that	that	SCONJ
fsr-3213	82	36	confidence	confidence	NOUN
fsr-3213	82	37	may	may	AUX
fsr-3213	82	38	be	be	AUX
fsr-3213	82	39	needed	need	VERB
fsr-3213	82	40	to	to	PART
fsr-3213	82	41	start	start	VERB
fsr-3213	82	42	the	the	DET
fsr-3213	82	43	overwhelming	overwhelming	ADJ
fsr-3213	82	44	108	108	NUM
fsr-3213	82	45	j.	j.	PROPN
fsr-3213	82	46	letkiewicz	letkiewicz	PROPN
fsr-3213	82	47	et	et	PROPN
fsr-3213	82	48	al	al	PROPN
fsr-3213	82	49	.	.	PUNCT
fsr-3213	82	50	/	/	SYM
fsr-3213	82	51	financial	financial	ADJ
fsr-3213	82	52	services	service	NOUN
fsr-3213	82	53	review	review	VERB
fsr-3213	82	54	25	25	NUM
fsr-3213	82	55	(	(	PUNCT
fsr-3213	82	56	2016	2016	NUM
fsr-3213	82	57	)	)	PUNCT
fsr-3213	82	58	105–126	105–126	NUM
fsr-3213	82	59	process	process	NOUN
fsr-3213	82	60	or	or	CCONJ
fsr-3213	82	61	even	even	ADV
fsr-3213	82	62	to	to	PART
fsr-3213	82	63	make	make	VERB
fsr-3213	82	64	an	an	DET
fsr-3213	82	65	appointment	appointment	NOUN
fsr-3213	82	66	with	with	ADP
fsr-3213	82	67	a	a	DET
fsr-3213	82	68	financial	financial	ADJ
fsr-3213	82	69	advisor	advisor	NOUN
fsr-3213	82	70	.	.	PUNCT
fsr-3213	83	1	lim	lim	PROPN
fsr-3213	83	2	et	et	PROPN
fsr-3213	83	3	al	al	PROPN
fsr-3213	83	4	.	.	PROPN
fsr-3213	84	1	(	(	PUNCT
fsr-3213	84	2	2014	2014	NUM
fsr-3213	84	3	)	)	PUNCT
fsr-3213	84	4	find	find	VERB
fsr-3213	84	5	that	that	SCONJ
fsr-3213	84	6	college	college	NOUN
fsr-3213	84	7	students	student	NOUN
fsr-3213	84	8	with	with	ADP
fsr-3213	84	9	high	high	ADJ
fsr-3213	84	10	levels	level	NOUN
fsr-3213	84	11	of	of	ADP
fsr-3213	84	12	financial	financial	ADJ
fsr-3213	84	13	stress	stress	NOUN
fsr-3213	84	14	are	be	AUX
fsr-3213	84	15	generally	generally	ADV
fsr-3213	84	16	less	less	ADV
fsr-3213	84	17	likely	likely	ADJ
fsr-3213	84	18	to	to	PART
fsr-3213	84	19	seek	seek	VERB
fsr-3213	84	20	financial	financial	ADJ
fsr-3213	84	21	help	help	NOUN
fsr-3213	84	22	,	,	PUNCT
fsr-3213	84	23	but	but	CCONJ
fsr-3213	84	24	that	that	DET
fsr-3213	84	25	effect	effect	NOUN
fsr-3213	84	26	is	be	AUX
fsr-3213	84	27	somewhat	somewhat	ADV
fsr-3213	84	28	moderated	moderated	ADJ
fsr-3213	84	29	for	for	ADP
fsr-3213	84	30	those	those	PRON
fsr-3213	84	31	high	high	ADJ
fsr-3213	84	32	in	in	ADP
fsr-3213	84	33	self	self	NOUN
fsr-3213	84	34	-	-	PUNCT
fsr-3213	84	35	efficacy	efficacy	NOUN
fsr-3213	84	36	.	.	PUNCT
fsr-3213	85	1	3	3	X
fsr-3213	85	2	.	.	X
fsr-3213	85	3	transtheoretical	transtheoretical	ADJ
fsr-3213	85	4	model	model	NOUN
fsr-3213	85	5	of	of	ADP
fsr-3213	85	6	behavior	behavior	NOUN
fsr-3213	85	7	change	change	NOUN
fsr-3213	85	8	we	we	PRON
fsr-3213	85	9	bring	bring	VERB
fsr-3213	85	10	together	together	ADV
fsr-3213	85	11	two	two	NUM
fsr-3213	85	12	strands	strand	NOUN
fsr-3213	85	13	of	of	ADP
fsr-3213	85	14	research	research	NOUN
fsr-3213	85	15	—	—	PUNCT
fsr-3213	85	16	the	the	DET
fsr-3213	85	17	transtheoretical	transtheoretical	ADJ
fsr-3213	85	18	model	model	NOUN
fsr-3213	85	19	of	of	ADP
fsr-3213	85	20	behavior	behavior	NOUN
fsr-3213	85	21	change	change	NOUN
fsr-3213	85	22	(	(	PUNCT
fsr-3213	85	23	ttm	ttm	NOUN
fsr-3213	85	24	;	;	PUNCT
fsr-3213	85	25	prochaska	prochaska	ADJ
fsr-3213	85	26	and	and	CCONJ
fsr-3213	85	27	velicer	velicer	NOUN
fsr-3213	85	28	,	,	PUNCT
fsr-3213	85	29	1997	1997	NUM
fsr-3213	85	30	)	)	PUNCT
fsr-3213	85	31	and	and	CCONJ
fsr-3213	85	32	the	the	DET
fsr-3213	85	33	cognitive	cognitive	ADJ
fsr-3213	85	34	theory	theory	NOUN
fsr-3213	85	35	of	of	ADP
fsr-3213	85	36	stress	stress	NOUN
fsr-3213	85	37	and	and	CCONJ
fsr-3213	85	38	coping	cope	VERB
fsr-3213	85	39	(	(	PUNCT
fsr-3213	85	40	folkman	folkman	NOUN
fsr-3213	85	41	et	et	PROPN
fsr-3213	85	42	al	al	PROPN
fsr-3213	85	43	.	.	PROPN
fsr-3213	85	44	,	,	PUNCT
fsr-3213	85	45	1979	1979	NUM
fsr-3213	85	46	)	)	PUNCT
fsr-3213	85	47	.	.	PUNCT
fsr-3213	86	1	we	we	PRON
fsr-3213	86	2	combine	combine	VERB
fsr-3213	86	3	these	these	DET
fsr-3213	86	4	theories	theory	NOUN
fsr-3213	86	5	to	to	PART
fsr-3213	86	6	create	create	VERB
fsr-3213	86	7	hypotheses	hypothesis	NOUN
fsr-3213	86	8	of	of	ADP
fsr-3213	86	9	why	why	SCONJ
fsr-3213	86	10	some	some	DET
fsr-3213	86	11	people	people	NOUN
fsr-3213	86	12	seek	seek	VERB
fsr-3213	86	13	financial	financial	ADJ
fsr-3213	86	14	planning	planning	NOUN
fsr-3213	86	15	assistance	assistance	NOUN
fsr-3213	86	16	and	and	CCONJ
fsr-3213	86	17	others	other	NOUN
fsr-3213	86	18	do	do	VERB
fsr-3213	86	19	not	not	PART
fsr-3213	86	20	.	.	PUNCT
fsr-3213	87	1	the	the	DET
fsr-3213	87	2	ttm	ttm	NOUN
fsr-3213	87	3	assesses	assess	VERB
fsr-3213	87	4	an	an	DET
fsr-3213	87	5	individual	individual	NOUN
fsr-3213	87	6	’s	’s	PART
fsr-3213	87	7	willingness	willingness	NOUN
fsr-3213	87	8	or	or	CCONJ
fsr-3213	87	9	ability	ability	NOUN
fsr-3213	87	10	to	to	PART
fsr-3213	87	11	change	change	VERB
fsr-3213	87	12	a	a	DET
fsr-3213	87	13	behavior	behavior	NOUN
fsr-3213	87	14	and	and	CCONJ
fsr-3213	87	15	outlines	outline	VERB
fsr-3213	87	16	processes	process	NOUN
fsr-3213	87	17	to	to	PART
fsr-3213	87	18	help	help	VERB
fsr-3213	87	19	guide	guide	VERB
fsr-3213	87	20	individuals	individual	NOUN
fsr-3213	87	21	through	through	ADP
fsr-3213	87	22	the	the	DET
fsr-3213	87	23	stages	stage	NOUN
fsr-3213	87	24	.	.	PUNCT
fsr-3213	88	1	the	the	DET
fsr-3213	88	2	ttm	ttm	NOUN
fsr-3213	88	3	emerged	emerge	VERB
fsr-3213	88	4	from	from	ADP
fsr-3213	88	5	a	a	DET
fsr-3213	88	6	comparative	comparative	ADJ
fsr-3213	88	7	analysis	analysis	NOUN
fsr-3213	88	8	of	of	ADP
fsr-3213	88	9	leading	lead	VERB
fsr-3213	88	10	theories	theory	NOUN
fsr-3213	88	11	of	of	ADP
fsr-3213	88	12	psychotherapy	psychotherapy	NOUN
fsr-3213	88	13	and	and	CCONJ
fsr-3213	88	14	behavior	behavior	NOUN
fsr-3213	88	15	change	change	NOUN
fsr-3213	88	16	in	in	ADP
fsr-3213	88	17	an	an	DET
fsr-3213	88	18	effort	effort	NOUN
fsr-3213	88	19	to	to	PART
fsr-3213	88	20	integrate	integrate	VERB
fsr-3213	88	21	a	a	DET
fsr-3213	88	22	field	field	NOUN
fsr-3213	88	23	that	that	PRON
fsr-3213	88	24	had	have	AUX
fsr-3213	88	25	fragmented	fragment	VERB
fsr-3213	88	26	into	into	ADP
fsr-3213	88	27	more	more	ADJ
fsr-3213	88	28	than	than	ADP
fsr-3213	88	29	300	300	NUM
fsr-3213	88	30	theories	theory	NOUN
fsr-3213	88	31	of	of	ADP
fsr-3213	88	32	psychotherapy	psychotherapy	NOUN
fsr-3213	88	33	(	(	PUNCT
fsr-3213	88	34	prochaska	prochaska	ADJ
fsr-3213	88	35	,	,	PUNCT
fsr-3213	88	36	1984	1984	NUM
fsr-3213	88	37	)	)	PUNCT
fsr-3213	88	38	.	.	PUNCT
fsr-3213	89	1	the	the	DET
fsr-3213	89	2	ttm	ttm	NOUN
fsr-3213	89	3	has	have	AUX
fsr-3213	89	4	been	be	AUX
fsr-3213	89	5	used	use	VERB
fsr-3213	89	6	in	in	ADP
fsr-3213	89	7	studies	study	NOUN
fsr-3213	89	8	to	to	PART
fsr-3213	89	9	explain	explain	VERB
fsr-3213	89	10	how	how	SCONJ
fsr-3213	89	11	people	people	NOUN
fsr-3213	89	12	stop	stop	VERB
fsr-3213	89	13	unhealthy	unhealthy	ADJ
fsr-3213	89	14	behaviors	behavior	NOUN
fsr-3213	89	15	and	and	CCONJ
fsr-3213	89	16	develop	develop	VERB
fsr-3213	89	17	healthy	healthy	ADJ
fsr-3213	89	18	ones	one	NOUN
fsr-3213	89	19	(	(	PUNCT
fsr-3213	89	20	xiao	xiao	PROPN
fsr-3213	89	21	et	et	PROPN
fsr-3213	89	22	al	al	PROPN
fsr-3213	89	23	.	.	PROPN
fsr-3213	89	24	,	,	PUNCT
fsr-3213	89	25	2004	2004	NUM
fsr-3213	89	26	)	)	PUNCT
fsr-3213	89	27	and	and	CCONJ
fsr-3213	89	28	extended	extend	VERB
fsr-3213	89	29	to	to	PART
fsr-3213	89	30	explain	explain	VERB
fsr-3213	89	31	and	and	CCONJ
fsr-3213	89	32	predict	predict	VERB
fsr-3213	89	33	positive	positive	ADJ
fsr-3213	89	34	changes	change	NOUN
fsr-3213	89	35	in	in	ADP
fsr-3213	89	36	financial	financial	ADJ
fsr-3213	89	37	behaviors	behavior	NOUN
fsr-3213	89	38	based	base	VERB
fsr-3213	89	39	on	on	ADP
fsr-3213	89	40	participation	participation	NOUN
fsr-3213	89	41	in	in	ADP
fsr-3213	89	42	financial	financial	ADJ
fsr-3213	89	43	education	education	NOUN
fsr-3213	89	44	programs	program	NOUN
fsr-3213	89	45	(	(	PUNCT
fsr-3213	89	46	shockey	shockey	ADJ
fsr-3213	89	47	and	and	CCONJ
fsr-3213	89	48	seiling	seiling	NOUN
fsr-3213	89	49	,	,	PUNCT
fsr-3213	89	50	2004	2004	NUM
fsr-3213	89	51	)	)	PUNCT
fsr-3213	89	52	.	.	PUNCT
fsr-3213	90	1	the	the	DET
fsr-3213	90	2	ttm	ttm	NOUN
fsr-3213	90	3	outlines	outline	VERB
fsr-3213	90	4	five	five	NUM
fsr-3213	90	5	stages	stage	NOUN
fsr-3213	90	6	that	that	SCONJ
fsr-3213	90	7	individuals	individual	NOUN
fsr-3213	90	8	go	go	VERB
fsr-3213	90	9	through	through	ADP
fsr-3213	90	10	when	when	SCONJ
fsr-3213	90	11	changing	change	VERB
fsr-3213	90	12	behaviors	behavior	NOUN
fsr-3213	90	13	:	:	PUNCT
fsr-3213	90	14	pre	pre	ADJ
fsr-3213	90	15	-	-	NOUN
fsr-3213	90	16	contemplation	contemplation	ADJ
fsr-3213	90	17	(	(	PUNCT
fsr-3213	90	18	not	not	PART
fsr-3213	90	19	ready	ready	ADJ
fsr-3213	90	20	)	)	PUNCT
fsr-3213	90	21	,	,	PUNCT
fsr-3213	90	22	contemplation	contemplation	NOUN
fsr-3213	90	23	(	(	PUNCT
fsr-3213	90	24	getting	get	VERB
fsr-3213	90	25	ready	ready	ADJ
fsr-3213	90	26	)	)	PUNCT
fsr-3213	90	27	,	,	PUNCT
fsr-3213	90	28	preparation	preparation	NOUN
fsr-3213	90	29	(	(	PUNCT
fsr-3213	90	30	ready	ready	ADJ
fsr-3213	90	31	)	)	PUNCT
fsr-3213	90	32	,	,	PUNCT
fsr-3213	90	33	action	action	NOUN
fsr-3213	90	34	,	,	PUNCT
fsr-3213	90	35	and	and	CCONJ
fsr-3213	90	36	maintenance	maintenance	NOUN
fsr-3213	90	37	.	.	PUNCT
fsr-3213	91	1	to	to	PART
fsr-3213	91	2	progress	progress	VERB
fsr-3213	91	3	through	through	ADP
fsr-3213	91	4	those	those	DET
fsr-3213	91	5	stages	stage	NOUN
fsr-3213	91	6	,	,	PUNCT
fsr-3213	91	7	individuals	individual	NOUN
fsr-3213	91	8	need	need	VERB
fsr-3213	91	9	awareness	awareness	NOUN
fsr-3213	91	10	that	that	SCONJ
fsr-3213	91	11	the	the	DET
fsr-3213	91	12	advantages	advantage	NOUN
fsr-3213	91	13	of	of	ADP
fsr-3213	91	14	the	the	DET
fsr-3213	91	15	change	change	NOUN
fsr-3213	91	16	outweigh	outweigh	VERB
fsr-3213	91	17	the	the	DET
fsr-3213	91	18	disadvantages	disadvantage	NOUN
fsr-3213	91	19	,	,	PUNCT
fsr-3213	91	20	confidence	confidence	NOUN
fsr-3213	91	21	they	they	PRON
fsr-3213	91	22	can	can	AUX
fsr-3213	91	23	make	make	VERB
fsr-3213	91	24	and	and	CCONJ
fsr-3213	91	25	maintain	maintain	VERB
fsr-3213	91	26	the	the	DET
fsr-3213	91	27	changes	change	NOUN
fsr-3213	91	28	(	(	PUNCT
fsr-3213	91	29	self	self	NOUN
fsr-3213	91	30	-	-	PUNCT
fsr-3213	91	31	efficacy	efficacy	NOUN
fsr-3213	91	32	)	)	PUNCT
fsr-3213	91	33	,	,	PUNCT
fsr-3213	91	34	and	and	CCONJ
fsr-3213	91	35	strategies	strategy	NOUN
fsr-3213	91	36	to	to	PART
fsr-3213	91	37	help	help	VERB
fsr-3213	91	38	them	they	PRON
fsr-3213	91	39	maintain	maintain	VERB
fsr-3213	91	40	their	their	PRON
fsr-3213	91	41	new	new	ADJ
fsr-3213	91	42	behaviors	behavior	NOUN
fsr-3213	91	43	.	.	PUNCT
fsr-3213	92	1	we	we	PRON
fsr-3213	92	2	think	think	VERB
fsr-3213	92	3	of	of	ADP
fsr-3213	92	4	ttm	ttm	PROPN
fsr-3213	92	5	as	as	ADP
fsr-3213	92	6	a	a	DET
fsr-3213	92	7	process	process	NOUN
fsr-3213	92	8	one	one	PRON
fsr-3213	92	9	progresses	progress	VERB
fsr-3213	92	10	through	through	ADP
fsr-3213	92	11	when	when	SCONJ
fsr-3213	92	12	adopting	adopt	VERB
fsr-3213	92	13	good	good	ADJ
fsr-3213	92	14	habits	habit	NOUN
fsr-3213	92	15	.	.	PUNCT
fsr-3213	93	1	in	in	ADP
fsr-3213	93	2	the	the	DET
fsr-3213	93	3	process	process	NOUN
fsr-3213	93	4	of	of	ADP
fsr-3213	93	5	making	make	VERB
fsr-3213	93	6	a	a	DET
fsr-3213	93	7	decision	decision	NOUN
fsr-3213	93	8	there	there	PRON
fsr-3213	93	9	are	be	VERB
fsr-3213	93	10	antecedents	antecedent	NOUN
fsr-3213	93	11	,	,	PUNCT
fsr-3213	93	12	and	and	CCONJ
fsr-3213	93	13	in	in	ADP
fsr-3213	93	14	this	this	DET
fsr-3213	93	15	case	case	NOUN
fsr-3213	93	16	we	we	PRON
fsr-3213	93	17	hypothesize	hypothesize	VERB
fsr-3213	93	18	that	that	SCONJ
fsr-3213	93	19	stress	stress	NOUN
fsr-3213	93	20	is	be	AUX
fsr-3213	93	21	an	an	DET
fsr-3213	93	22	antecedent	antecedent	NOUN
fsr-3213	93	23	and	and	CCONJ
fsr-3213	93	24	self	self	NOUN
fsr-3213	93	25	-	-	PUNCT
fsr-3213	93	26	efficacy	efficacy	NOUN
fsr-3213	93	27	is	be	AUX
fsr-3213	93	28	the	the	DET
fsr-3213	93	29	coping	cope	VERB
fsr-3213	93	30	mechanism	mechanism	NOUN
fsr-3213	93	31	that	that	PRON
fsr-3213	93	32	propels	propel	VERB
fsr-3213	93	33	an	an	DET
fsr-3213	93	34	individual	individual	NOUN
fsr-3213	93	35	into	into	ADP
fsr-3213	93	36	action	action	NOUN
fsr-3213	93	37	.	.	PUNCT
fsr-3213	94	1	if	if	SCONJ
fsr-3213	94	2	stress	stress	NOUN
fsr-3213	94	3	is	be	AUX
fsr-3213	94	4	experienced	experience	VERB
fsr-3213	94	5	in	in	ADP
fsr-3213	94	6	the	the	DET
fsr-3213	94	7	pre	pre	NOUN
fsr-3213	94	8	-	-	ADJ
fsr-3213	94	9	contemplation	contemplation	ADJ
fsr-3213	94	10	and	and	CCONJ
fsr-3213	94	11	contemplation	contemplation	NOUN
fsr-3213	94	12	stage	stage	NOUN
fsr-3213	94	13	,	,	PUNCT
fsr-3213	94	14	then	then	ADV
fsr-3213	94	15	self	self	NOUN
fsr-3213	94	16	-	-	PUNCT
fsr-3213	94	17	efficacy	efficacy	NOUN
fsr-3213	94	18	can	can	AUX
fsr-3213	94	19	help	help	VERB
fsr-3213	94	20	move	move	VERB
fsr-3213	94	21	people	people	NOUN
fsr-3213	94	22	to	to	ADP
fsr-3213	94	23	the	the	DET
fsr-3213	94	24	preparation	preparation	NOUN
fsr-3213	94	25	and	and	CCONJ
fsr-3213	94	26	action	action	NOUN
fsr-3213	94	27	phase	phase	NOUN
fsr-3213	94	28	.	.	PUNCT
fsr-3213	95	1	separating	separate	VERB
fsr-3213	95	2	the	the	DET
fsr-3213	95	3	stages	stage	NOUN
fsr-3213	95	4	of	of	ADP
fsr-3213	95	5	positive	positive	ADJ
fsr-3213	95	6	habit	habit	NOUN
fsr-3213	95	7	formation	formation	NOUN
fsr-3213	95	8	may	may	AUX
fsr-3213	95	9	help	help	VERB
fsr-3213	95	10	explain	explain	VERB
fsr-3213	95	11	why	why	SCONJ
fsr-3213	95	12	people	people	NOUN
fsr-3213	95	13	with	with	ADP
fsr-3213	95	14	low	low	ADJ
fsr-3213	95	15	financial	financial	ADJ
fsr-3213	95	16	self	self	NOUN
fsr-3213	95	17	-	-	PUNCT
fsr-3213	95	18	efficacy	efficacy	NOUN
fsr-3213	95	19	or	or	CCONJ
fsr-3213	95	20	high	high	ADJ
fsr-3213	95	21	financial	financial	ADJ
fsr-3213	95	22	stress	stress	NOUN
fsr-3213	95	23	may	may	AUX
fsr-3213	95	24	resist	resist	VERB
fsr-3213	95	25	getting	get	VERB
fsr-3213	95	26	financial	financial	ADJ
fsr-3213	95	27	planning	planning	NOUN
fsr-3213	95	28	help	help	NOUN
fsr-3213	95	29	.	.	PUNCT
fsr-3213	96	1	there	there	PRON
fsr-3213	96	2	are	be	VERB
fsr-3213	96	3	many	many	ADJ
fsr-3213	96	4	ways	way	NOUN
fsr-3213	96	5	to	to	PART
fsr-3213	96	6	change	change	VERB
fsr-3213	96	7	and	and	CCONJ
fsr-3213	96	8	improve	improve	VERB
fsr-3213	96	9	behaviors	behavior	NOUN
fsr-3213	96	10	;	;	PUNCT
fsr-3213	96	11	this	this	DET
fsr-3213	96	12	study	study	NOUN
fsr-3213	96	13	concentrates	concentrate	VERB
fsr-3213	96	14	on	on	ADP
fsr-3213	96	15	the	the	DET
fsr-3213	96	16	help	help	NOUN
fsr-3213	96	17	-	-	PUNCT
fsr-3213	96	18	seeking	seek	VERB
fsr-3213	96	19	aspect	aspect	NOUN
fsr-3213	96	20	.	.	PUNCT
fsr-3213	97	1	seeking	seek	VERB
fsr-3213	97	2	financial	financial	ADJ
fsr-3213	97	3	help	help	NOUN
fsr-3213	97	4	is	be	AUX
fsr-3213	97	5	a	a	DET
fsr-3213	97	6	positive	positive	ADJ
fsr-3213	97	7	decision	decision	NOUN
fsr-3213	97	8	that	that	PRON
fsr-3213	97	9	can	can	AUX
fsr-3213	97	10	help	help	VERB
fsr-3213	97	11	deal	deal	VERB
fsr-3213	97	12	with	with	ADP
fsr-3213	97	13	financial	financial	ADJ
fsr-3213	97	14	issues	issue	NOUN
fsr-3213	97	15	.	.	PUNCT
fsr-3213	98	1	4	4	X
fsr-3213	98	2	.	.	X
fsr-3213	98	3	hypotheses	hypothesis	NOUN
fsr-3213	98	4	this	this	DET
fsr-3213	98	5	study	study	NOUN
fsr-3213	98	6	focuses	focus	VERB
fsr-3213	98	7	on	on	ADP
fsr-3213	98	8	the	the	DET
fsr-3213	98	9	first	first	ADJ
fsr-3213	98	10	four	four	NUM
fsr-3213	98	11	stages	stage	NOUN
fsr-3213	98	12	of	of	ADP
fsr-3213	98	13	the	the	DET
fsr-3213	98	14	ttm	ttm	NOUN
fsr-3213	98	15	(	(	PUNCT
fsr-3213	98	16	pre	pre	NOUN
fsr-3213	98	17	-	-	ADJ
fsr-3213	98	18	contemplation	contemplation	ADJ
fsr-3213	98	19	,	,	PUNCT
fsr-3213	98	20	contemplation	contemplation	NOUN
fsr-3213	98	21	,	,	PUNCT
fsr-3213	98	22	preparation	preparation	NOUN
fsr-3213	98	23	,	,	PUNCT
fsr-3213	98	24	and	and	CCONJ
fsr-3213	98	25	action	action	NOUN
fsr-3213	98	26	)	)	PUNCT
fsr-3213	98	27	to	to	PART
fsr-3213	98	28	drive	drive	VERB
fsr-3213	98	29	the	the	DET
fsr-3213	98	30	hypotheses	hypothesis	NOUN
fsr-3213	98	31	on	on	ADP
fsr-3213	98	32	help	help	NOUN
fsr-3213	98	33	-	-	PUNCT
fsr-3213	98	34	seeking	seek	VERB
fsr-3213	98	35	behavior	behavior	NOUN
fsr-3213	98	36	.	.	PUNCT
fsr-3213	99	1	the	the	DET
fsr-3213	99	2	dataset	dataset	NOUN
fsr-3213	99	3	does	do	AUX
fsr-3213	99	4	not	not	PART
fsr-3213	99	5	contain	contain	VERB
fsr-3213	99	6	information	information	NOUN
fsr-3213	99	7	that	that	PRON
fsr-3213	99	8	would	would	AUX
fsr-3213	99	9	allow	allow	VERB
fsr-3213	99	10	us	we	PRON
fsr-3213	99	11	to	to	PART
fsr-3213	99	12	test	test	VERB
fsr-3213	99	13	the	the	DET
fsr-3213	99	14	maintenance	maintenance	NOUN
fsr-3213	99	15	phase	phase	NOUN
fsr-3213	99	16	,	,	PUNCT
fsr-3213	99	17	such	such	ADJ
fsr-3213	99	18	as	as	ADP
fsr-3213	99	19	implementation	implementation	NOUN
fsr-3213	99	20	of	of	ADP
fsr-3213	99	21	a	a	DET
fsr-3213	99	22	financial	financial	ADJ
fsr-3213	99	23	plan	plan	NOUN
fsr-3213	99	24	or	or	CCONJ
fsr-3213	99	25	some	some	DET
fsr-3213	99	26	other	other	ADJ
fsr-3213	99	27	specific	specific	ADJ
fsr-3213	99	28	set	set	NOUN
fsr-3213	99	29	of	of	ADP
fsr-3213	99	30	financial	financial	ADJ
fsr-3213	99	31	management	management	NOUN
fsr-3213	99	32	behaviors	behavior	NOUN
fsr-3213	99	33	.	.	PUNCT
fsr-3213	100	1	we	we	PRON
fsr-3213	100	2	propose	propose	VERB
fsr-3213	100	3	three	three	NUM
fsr-3213	100	4	sets	set	NOUN
fsr-3213	100	5	of	of	ADP
fsr-3213	100	6	testable	testable	ADJ
fsr-3213	100	7	hypotheses	hypothesis	NOUN
fsr-3213	100	8	,	,	PUNCT
fsr-3213	100	9	two	two	NUM
fsr-3213	100	10	of	of	ADP
fsr-3213	100	11	them	they	PRON
fsr-3213	100	12	using	use	VERB
fsr-3213	100	13	the	the	DET
fsr-3213	100	14	ttm	ttm	NOUN
fsr-3213	100	15	and	and	CCONJ
fsr-3213	100	16	the	the	DET
fsr-3213	100	17	third	third	ADJ
fsr-3213	100	18	relating	relate	VERB
fsr-3213	100	19	to	to	ADP
fsr-3213	100	20	the	the	DET
fsr-3213	100	21	nature	nature	NOUN
fsr-3213	100	22	of	of	ADP
fsr-3213	100	23	the	the	DET
fsr-3213	100	24	professional	professional	ADJ
fsr-3213	100	25	help	help	NOUN
fsr-3213	100	26	that	that	PRON
fsr-3213	100	27	is	be	AUX
fsr-3213	100	28	the	the	DET
fsr-3213	100	29	subject	subject	NOUN
fsr-3213	100	30	of	of	ADP
fsr-3213	100	31	the	the	DET
fsr-3213	100	32	financial	financial	ADJ
fsr-3213	100	33	planning	planning	NOUN
fsr-3213	100	34	standards	standard	NOUN
fsr-3213	100	35	council	council	NOUN
fsr-3213	100	36	(	(	PUNCT
fsr-3213	100	37	fpsc	fpsc	ADJ
fsr-3213	100	38	)	)	PUNCT
fsr-3213	100	39	survey	survey	NOUN
fsr-3213	100	40	,	,	PUNCT
fsr-3213	100	41	described	describe	VERB
fsr-3213	100	42	in	in	ADP
fsr-3213	100	43	the	the	DET
fsr-3213	100	44	next	next	ADJ
fsr-3213	100	45	section	section	NOUN
fsr-3213	100	46	.	.	PUNCT
fsr-3213	101	1	109j	109j	PROPN
fsr-3213	101	2	.	.	PUNCT
fsr-3213	102	1	letkiewicz	letkiewicz	PROPN
fsr-3213	102	2	et	et	PROPN
fsr-3213	102	3	al	al	PROPN
fsr-3213	102	4	.	.	PUNCT
fsr-3213	102	5	/	/	SYM
fsr-3213	102	6	financial	financial	ADJ
fsr-3213	102	7	services	service	NOUN
fsr-3213	102	8	review	review	VERB
fsr-3213	102	9	25	25	NUM
fsr-3213	102	10	(	(	PUNCT
fsr-3213	102	11	2016	2016	NUM
fsr-3213	102	12	)	)	PUNCT
fsr-3213	102	13	105–126	105–126	NUM
fsr-3213	102	14	hanna	hanna	NOUN
fsr-3213	102	15	(	(	PUNCT
fsr-3213	102	16	2011	2011	NUM
fsr-3213	102	17	)	)	PUNCT
fsr-3213	102	18	,	,	PUNCT
fsr-3213	102	19	hanna	hanna	NOUN
fsr-3213	102	20	and	and	CCONJ
fsr-3213	102	21	lindamood	lindamood	NOUN
fsr-3213	102	22	(	(	PUNCT
fsr-3213	102	23	2011	2011	NUM
fsr-3213	102	24	)	)	PUNCT
fsr-3213	102	25	,	,	PUNCT
fsr-3213	102	26	and	and	CCONJ
fsr-3213	102	27	robb	robb	VERB
fsr-3213	102	28	et	et	PROPN
fsr-3213	102	29	al	al	PROPN
fsr-3213	102	30	.	.	PROPN
fsr-3213	103	1	(	(	PUNCT
fsr-3213	103	2	2012	2012	NUM
fsr-3213	103	3	)	)	PUNCT
fsr-3213	103	4	find	find	VERB
fsr-3213	103	5	that	that	SCONJ
fsr-3213	103	6	families	family	NOUN
fsr-3213	103	7	with	with	ADP
fsr-3213	103	8	higher	high	ADJ
fsr-3213	103	9	income	income	NOUN
fsr-3213	103	10	and/or	and/or	CCONJ
fsr-3213	103	11	wealth	wealth	NOUN
fsr-3213	103	12	are	be	AUX
fsr-3213	103	13	much	much	ADV
fsr-3213	103	14	more	more	ADV
fsr-3213	103	15	likely	likely	ADJ
fsr-3213	103	16	to	to	PART
fsr-3213	103	17	engage	engage	VERB
fsr-3213	103	18	financial	financial	ADJ
fsr-3213	103	19	planners	planner	NOUN
fsr-3213	103	20	.	.	PUNCT
fsr-3213	104	1	these	these	DET
fsr-3213	104	2	families	family	NOUN
fsr-3213	104	3	receive	receive	VERB
fsr-3213	104	4	more	more	ADJ
fsr-3213	104	5	financial	financial	ADJ
fsr-3213	104	6	value	value	NOUN
fsr-3213	104	7	from	from	ADP
fsr-3213	104	8	the	the	DET
fsr-3213	104	9	advice	advice	NOUN
fsr-3213	104	10	,	,	PUNCT
fsr-3213	104	11	or	or	CCONJ
fsr-3213	104	12	they	they	PRON
fsr-3213	104	13	perceive	perceive	VERB
fsr-3213	104	14	that	that	SCONJ
fsr-3213	104	15	they	they	PRON
fsr-3213	104	16	will	will	AUX
fsr-3213	104	17	and	and	CCONJ
fsr-3213	104	18	they	they	PRON
fsr-3213	104	19	have	have	VERB
fsr-3213	104	20	the	the	DET
fsr-3213	104	21	means	mean	NOUN
fsr-3213	104	22	to	to	PART
fsr-3213	104	23	pay	pay	VERB
fsr-3213	104	24	for	for	ADP
fsr-3213	104	25	the	the	DET
fsr-3213	104	26	planning	planning	NOUN
fsr-3213	104	27	services	service	NOUN
fsr-3213	104	28	.	.	PUNCT
fsr-3213	105	1	accordingly	accordingly	ADV
fsr-3213	105	2	,	,	PUNCT
fsr-3213	105	3	we	we	PRON
fsr-3213	105	4	propose	propose	VERB
fsr-3213	105	5	the	the	DET
fsr-3213	105	6	first	first	ADJ
fsr-3213	105	7	hypothesis	hypothesis	NOUN
fsr-3213	105	8	:	:	PUNCT
fsr-3213	105	9	hypothesis	hypothesis	NOUN
fsr-3213	105	10	1	1	NUM
fsr-3213	105	11	:	:	PUNCT
fsr-3213	105	12	professional	professional	ADJ
fsr-3213	105	13	help	help	NOUN
fsr-3213	105	14	-	-	PUNCT
fsr-3213	105	15	seeking	seeking	NOUN
fsr-3213	105	16	is	be	AUX
fsr-3213	105	17	positively	positively	ADV
fsr-3213	105	18	correlated	correlate	VERB
fsr-3213	105	19	with	with	ADP
fsr-3213	105	20	the	the	DET
fsr-3213	105	21	level	level	NOUN
fsr-3213	105	22	of	of	ADP
fsr-3213	105	23	assets	asset	NOUN
fsr-3213	105	24	,	,	PUNCT
fsr-3213	105	25	income	income	NOUN
fsr-3213	105	26	and	and	CCONJ
fsr-3213	105	27	homeownership	homeownership	NOUN
fsr-3213	105	28	.	.	PUNCT
fsr-3213	106	1	we	we	PRON
fsr-3213	106	2	conceptualize	conceptualize	VERB
fsr-3213	106	3	financial	financial	ADJ
fsr-3213	106	4	stress	stress	NOUN
fsr-3213	106	5	as	as	ADP
fsr-3213	106	6	being	be	AUX
fsr-3213	106	7	a	a	DET
fsr-3213	106	8	trigger	trigger	NOUN
fsr-3213	106	9	in	in	ADP
fsr-3213	106	10	the	the	DET
fsr-3213	106	11	pre	pre	NOUN
fsr-3213	106	12	-	-	ADJ
fsr-3213	106	13	contemplation	contemplation	ADJ
fsr-3213	106	14	and	and	CCONJ
fsr-3213	106	15	contemplation	contemplation	NOUN
fsr-3213	106	16	stages	stage	NOUN
fsr-3213	106	17	of	of	ADP
fsr-3213	106	18	the	the	DET
fsr-3213	106	19	ttm	ttm	NOUN
fsr-3213	106	20	.	.	PUNCT
fsr-3213	107	1	as	as	ADP
fsr-3213	107	2	a	a	DET
fsr-3213	107	3	way	way	NOUN
fsr-3213	107	4	to	to	PART
fsr-3213	107	5	manage	manage	VERB
fsr-3213	107	6	that	that	PRON
fsr-3213	107	7	stress	stress	NOUN
fsr-3213	107	8	,	,	PUNCT
fsr-3213	107	9	individuals	individual	NOUN
fsr-3213	107	10	,	,	PUNCT
fsr-3213	107	11	or	or	CCONJ
fsr-3213	107	12	households	household	NOUN
fsr-3213	107	13	will	will	AUX
fsr-3213	107	14	seek	seek	VERB
fsr-3213	107	15	professional	professional	ADJ
fsr-3213	107	16	financial	financial	ADJ
fsr-3213	107	17	help	help	NOUN
fsr-3213	107	18	.	.	PUNCT
fsr-3213	108	1	the	the	DET
fsr-3213	108	2	experience	experience	NOUN
fsr-3213	108	3	of	of	ADP
fsr-3213	108	4	stress	stress	NOUN
fsr-3213	108	5	is	be	AUX
fsr-3213	108	6	likely	likely	ADJ
fsr-3213	108	7	to	to	PART
fsr-3213	108	8	drive	drive	VERB
fsr-3213	108	9	one	one	NUM
fsr-3213	108	10	to	to	PART
fsr-3213	108	11	address	address	VERB
fsr-3213	108	12	it	it	PRON
fsr-3213	108	13	.	.	PUNCT
fsr-3213	109	1	given	give	VERB
fsr-3213	109	2	the	the	DET
fsr-3213	109	3	research	research	NOUN
fsr-3213	109	4	on	on	ADP
fsr-3213	109	5	stress	stress	NOUN
fsr-3213	109	6	and	and	CCONJ
fsr-3213	109	7	financial	financial	ADJ
fsr-3213	109	8	well	well	NOUN
fsr-3213	109	9	-	-	PUNCT
fsr-3213	109	10	being	being	NOUN
fsr-3213	109	11	,	,	PUNCT
fsr-3213	109	12	it	it	PRON
fsr-3213	109	13	is	be	AUX
fsr-3213	109	14	likely	likely	ADJ
fsr-3213	109	15	that	that	SCONJ
fsr-3213	109	16	people	people	NOUN
fsr-3213	109	17	with	with	ADP
fsr-3213	109	18	planners	planner	NOUN
fsr-3213	109	19	have	have	VERB
fsr-3213	109	20	a	a	DET
fsr-3213	109	21	lower	low	ADJ
fsr-3213	109	22	level	level	NOUN
fsr-3213	109	23	of	of	ADP
fsr-3213	109	24	stress	stress	NOUN
fsr-3213	109	25	.	.	PUNCT
fsr-3213	110	1	it	it	PRON
fsr-3213	110	2	is	be	AUX
fsr-3213	110	3	important	important	ADJ
fsr-3213	110	4	to	to	PART
fsr-3213	110	5	test	test	VERB
fsr-3213	110	6	for	for	ADP
fsr-3213	110	7	the	the	DET
fsr-3213	110	8	correlation	correlation	NOUN
fsr-3213	110	9	of	of	ADP
fsr-3213	110	10	stress	stress	NOUN
fsr-3213	110	11	and	and	CCONJ
fsr-3213	110	12	use	use	NOUN
fsr-3213	110	13	of	of	ADP
fsr-3213	110	14	a	a	DET
fsr-3213	110	15	planner	planner	NOUN
fsr-3213	110	16	as	as	ADV
fsr-3213	110	17	well	well	ADV
fsr-3213	110	18	as	as	ADP
fsr-3213	110	19	the	the	DET
fsr-3213	110	20	help	help	NOUN
fsr-3213	110	21	-	-	PUNCT
fsr-3213	110	22	seeking	seek	VERB
fsr-3213	110	23	aspect	aspect	NOUN
fsr-3213	110	24	.	.	PUNCT
fsr-3213	111	1	therefore	therefore	ADV
fsr-3213	111	2	,	,	PUNCT
fsr-3213	111	3	we	we	PRON
fsr-3213	111	4	propose	propose	VERB
fsr-3213	111	5	:	:	PUNCT
fsr-3213	111	6	hypothesis	hypothesis	NOUN
fsr-3213	111	7	2a	2a	NUM
fsr-3213	111	8	:	:	PUNCT
fsr-3213	111	9	financial	financial	ADJ
fsr-3213	111	10	stress	stress	NOUN
fsr-3213	111	11	is	be	AUX
fsr-3213	111	12	negatively	negatively	ADV
fsr-3213	111	13	correlated	correlate	VERB
fsr-3213	111	14	with	with	ADP
fsr-3213	111	15	having	have	VERB
fsr-3213	111	16	a	a	DET
fsr-3213	111	17	financial	financial	ADJ
fsr-3213	111	18	planner	planner	NOUN
fsr-3213	111	19	.	.	PUNCT
fsr-3213	112	1	hypothesis	hypothesis	NOUN
fsr-3213	112	2	2b	2b	NOUN
fsr-3213	112	3	:	:	PUNCT
fsr-3213	112	4	financial	financial	ADJ
fsr-3213	112	5	stress	stress	NOUN
fsr-3213	112	6	is	be	AUX
fsr-3213	112	7	positively	positively	ADV
fsr-3213	112	8	correlated	correlate	VERB
fsr-3213	112	9	with	with	ADP
fsr-3213	112	10	help	help	NOUN
fsr-3213	112	11	-	-	PUNCT
fsr-3213	112	12	seeking	seeking	NOUN
fsr-3213	112	13	.	.	PUNCT
fsr-3213	113	1	financial	financial	ADJ
fsr-3213	113	2	self	self	NOUN
fsr-3213	113	3	-	-	PUNCT
fsr-3213	113	4	efficacy	efficacy	NOUN
fsr-3213	113	5	is	be	AUX
fsr-3213	113	6	conceptualized	conceptualize	VERB
fsr-3213	113	7	as	as	ADP
fsr-3213	113	8	a	a	DET
fsr-3213	113	9	coping	cope	VERB
fsr-3213	113	10	mechanism	mechanism	NOUN
fsr-3213	113	11	for	for	ADP
fsr-3213	113	12	stress	stress	NOUN
fsr-3213	113	13	,	,	PUNCT
fsr-3213	113	14	so	so	SCONJ
fsr-3213	113	15	we	we	PRON
fsr-3213	113	16	model	model	VERB
fsr-3213	113	17	it	it	PRON
fsr-3213	113	18	as	as	ADP
fsr-3213	113	19	a	a	DET
fsr-3213	113	20	trigger	trigger	NOUN
fsr-3213	113	21	that	that	PRON
fsr-3213	113	22	leads	lead	VERB
fsr-3213	113	23	to	to	ADP
fsr-3213	113	24	the	the	DET
fsr-3213	113	25	preparation	preparation	NOUN
fsr-3213	113	26	stage	stage	NOUN
fsr-3213	113	27	;	;	PUNCT
fsr-3213	113	28	then	then	ADV
fsr-3213	113	29	the	the	DET
fsr-3213	113	30	action	action	NOUN
fsr-3213	113	31	stage	stage	NOUN
fsr-3213	113	32	of	of	ADP
fsr-3213	113	33	the	the	DET
fsr-3213	113	34	ttm	ttm	NOUN
fsr-3213	113	35	is	be	AUX
fsr-3213	113	36	when	when	SCONJ
fsr-3213	113	37	financial	financial	ADJ
fsr-3213	113	38	planning	planning	NOUN
fsr-3213	113	39	help	help	NOUN
fsr-3213	113	40	is	be	AUX
fsr-3213	113	41	sought	seek	VERB
fsr-3213	113	42	.	.	PUNCT
fsr-3213	114	1	we	we	PRON
fsr-3213	114	2	expect	expect	VERB
fsr-3213	114	3	that	that	SCONJ
fsr-3213	114	4	self	self	NOUN
fsr-3213	114	5	-	-	PUNCT
fsr-3213	114	6	efficacy	efficacy	NOUN
fsr-3213	114	7	drives	drive	VERB
fsr-3213	114	8	one	one	NUM
fsr-3213	114	9	to	to	PART
fsr-3213	114	10	seek	seek	VERB
fsr-3213	114	11	help	help	NOUN
fsr-3213	114	12	,	,	PUNCT
fsr-3213	114	13	but	but	CCONJ
fsr-3213	114	14	may	may	AUX
fsr-3213	114	15	also	also	ADV
fsr-3213	114	16	be	be	AUX
fsr-3213	114	17	positively	positively	ADV
fsr-3213	114	18	correlated	correlate	VERB
fsr-3213	114	19	with	with	ADP
fsr-3213	114	20	having	have	VERB
fsr-3213	114	21	a	a	DET
fsr-3213	114	22	financial	financial	ADJ
fsr-3213	114	23	planner	planner	NOUN
fsr-3213	114	24	.	.	PUNCT
fsr-3213	115	1	thus	thus	ADV
fsr-3213	115	2	,	,	PUNCT
fsr-3213	115	3	we	we	PRON
fsr-3213	115	4	propose	propose	VERB
fsr-3213	115	5	the	the	DET
fsr-3213	115	6	third	third	ADJ
fsr-3213	115	7	set	set	NOUN
fsr-3213	115	8	of	of	ADP
fsr-3213	115	9	hypotheses	hypothesis	NOUN
fsr-3213	115	10	:	:	PUNCT
fsr-3213	115	11	hypothesis	hypothesis	NOUN
fsr-3213	115	12	3a	3a	NUM
fsr-3213	115	13	:	:	PUNCT
fsr-3213	115	14	self	self	NOUN
fsr-3213	115	15	-	-	PUNCT
fsr-3213	115	16	efficacy	efficacy	NOUN
fsr-3213	115	17	is	be	AUX
fsr-3213	115	18	positively	positively	ADV
fsr-3213	115	19	correlated	correlate	VERB
fsr-3213	115	20	with	with	ADP
fsr-3213	115	21	having	have	VERB
fsr-3213	115	22	a	a	DET
fsr-3213	115	23	financial	financial	ADJ
fsr-3213	115	24	planner	planner	NOUN
fsr-3213	115	25	.	.	PUNCT
fsr-3213	116	1	hypothesis	hypothesis	NOUN
fsr-3213	116	2	3b	3b	NUM
fsr-3213	116	3	:	:	PUNCT
fsr-3213	116	4	self	self	NOUN
fsr-3213	116	5	-	-	PUNCT
fsr-3213	116	6	efficacy	efficacy	NOUN
fsr-3213	116	7	is	be	AUX
fsr-3213	116	8	positively	positively	ADV
fsr-3213	116	9	correlated	correlate	VERB
fsr-3213	116	10	with	with	ADP
fsr-3213	116	11	help	help	NOUN
fsr-3213	116	12	-	-	PUNCT
fsr-3213	116	13	seeking	seeking	NOUN
fsr-3213	116	14	.	.	PUNCT
fsr-3213	117	1	5	5	X
fsr-3213	117	2	.	.	X
fsr-3213	117	3	data	datum	NOUN
fsr-3213	117	4	5.1	5.1	NUM
fsr-3213	117	5	.	.	PUNCT
fsr-3213	118	1	the	the	DET
fsr-3213	118	2	fpsc	fpsc	ADJ
fsr-3213	118	3	survey	survey	NOUN
fsr-3213	118	4	the	the	DET
fsr-3213	118	5	financial	financial	ADJ
fsr-3213	118	6	planning	planning	NOUN
fsr-3213	118	7	standards	standard	NOUN
fsr-3213	118	8	council	council	NOUN
fsr-3213	118	9	(	(	PUNCT
fsr-3213	118	10	fpsc	fpsc	ADJ
fsr-3213	118	11	)	)	PUNCT
fsr-3213	118	12	conducted	conduct	VERB
fsr-3213	118	13	a	a	DET
fsr-3213	118	14	survey	survey	NOUN
fsr-3213	118	15	on	on	ADP
fsr-3213	118	16	use	use	NOUN
fsr-3213	118	17	of	of	ADP
fsr-3213	118	18	financial	financial	ADJ
fsr-3213	118	19	advisors	advisor	NOUN
fsr-3213	118	20	,	,	PUNCT
fsr-3213	118	21	with	with	ADP
fsr-3213	118	22	particular	particular	ADJ
fsr-3213	118	23	attention	attention	NOUN
fsr-3213	118	24	to	to	ADP
fsr-3213	118	25	those	those	PRON
fsr-3213	118	26	identified	identify	VERB
fsr-3213	118	27	as	as	ADP
fsr-3213	118	28	financial	financial	ADJ
fsr-3213	118	29	planners	planner	NOUN
fsr-3213	118	30	and	and	CCONJ
fsr-3213	118	31	certified	certify	VERB
fsr-3213	118	32	financial	financial	ADJ
fsr-3213	118	33	planners	planner	NOUN
fsr-3213	118	34	among	among	ADP
fsr-3213	118	35	the	the	DET
fsr-3213	118	36	general	general	ADJ
fsr-3213	118	37	english	english	PROPN
fsr-3213	118	38	-	-	PUNCT
fsr-3213	118	39	speaking	speak	VERB
fsr-3213	118	40	population	population	NOUN
fsr-3213	118	41	of	of	ADP
fsr-3213	118	42	canada	canada	PROPN
fsr-3213	118	43	.	.	PUNCT
fsr-3213	119	1	the	the	DET
fsr-3213	119	2	survey	survey	NOUN
fsr-3213	119	3	excluded	exclude	VERB
fsr-3213	119	4	québec	québec	PROPN
fsr-3213	119	5	because	because	SCONJ
fsr-3213	119	6	that	that	PRON
fsr-3213	119	7	is	be	AUX
fsr-3213	119	8	the	the	DET
fsr-3213	119	9	only	only	ADJ
fsr-3213	119	10	province	province	NOUN
fsr-3213	119	11	which	which	PRON
fsr-3213	119	12	regulates	regulate	VERB
fsr-3213	119	13	use	use	NOUN
fsr-3213	119	14	of	of	ADP
fsr-3213	119	15	the	the	DET
fsr-3213	119	16	term	term	NOUN
fsr-3213	119	17	“	"	PUNCT
fsr-3213	119	18	financial	financial	ADJ
fsr-3213	119	19	planner	planner	NOUN
fsr-3213	119	20	.	.	PUNCT
fsr-3213	119	21	”	"	PUNCT
fsr-3213	120	1	the	the	DET
fsr-3213	120	2	fpsc	fpsc	NOUN
fsr-3213	120	3	surveyed	survey	VERB
fsr-3213	120	4	three	three	NUM
fsr-3213	120	5	waves	wave	NOUN
fsr-3213	120	6	of	of	ADP
fsr-3213	120	7	respondents	respondent	NOUN
fsr-3213	120	8	:	:	PUNCT
fsr-3213	121	1	1	1	X
fsr-3213	121	2	.	.	X
fsr-3213	121	3	wave	wave	NOUN
fsr-3213	121	4	1	1	NUM
fsr-3213	121	5	:	:	PUNCT
fsr-3213	121	6	between	between	ADP
fsr-3213	121	7	august	august	PROPN
fsr-3213	121	8	2009	2009	NUM
fsr-3213	121	9	and	and	CCONJ
fsr-3213	121	10	january	january	PROPN
fsr-3213	121	11	2010	2010	NUM
fsr-3213	121	12	,	,	PUNCT
fsr-3213	121	13	a	a	DET
fsr-3213	121	14	total	total	NOUN
fsr-3213	121	15	of	of	ADP
fsr-3213	121	16	117,467	117,467	NUM
fsr-3213	121	17	individuals	individual	NOUN
fsr-3213	121	18	were	be	AUX
fsr-3213	121	19	solicited	solicit	VERB
fsr-3213	121	20	with	with	ADP
fsr-3213	121	21	7,383	7,383	NUM
fsr-3213	121	22	surveys	survey	NOUN
fsr-3213	121	23	completed	complete	VERB
fsr-3213	121	24	,	,	PUNCT
fsr-3213	121	25	resulting	result	VERB
fsr-3213	121	26	in	in	ADP
fsr-3213	121	27	a	a	DET
fsr-3213	121	28	response	response	NOUN
fsr-3213	121	29	rate	rate	NOUN
fsr-3213	121	30	of	of	ADP
fsr-3213	121	31	6.2	6.2	NUM
fsr-3213	121	32	%	%	NOUN
fsr-3213	121	33	.	.	PUNCT
fsr-3213	122	1	2	2	X
fsr-3213	122	2	.	.	X
fsr-3213	122	3	wave	wave	NOUN
fsr-3213	122	4	2	2	NUM
fsr-3213	122	5	:	:	PUNCT
fsr-3213	122	6	between	between	ADP
fsr-3213	122	7	february	february	PROPN
fsr-3213	122	8	and	and	CCONJ
fsr-3213	122	9	july	july	PROPN
fsr-3213	122	10	2011	2011	NUM
fsr-3213	122	11	,	,	PUNCT
fsr-3213	122	12	the	the	DET
fsr-3213	122	13	population	population	NOUN
fsr-3213	122	14	of	of	ADP
fsr-3213	122	15	respondents	respondent	NOUN
fsr-3213	122	16	from	from	ADP
fsr-3213	122	17	wave	wave	NOUN
fsr-3213	122	18	1	1	NUM
fsr-3213	122	19	(	(	PUNCT
fsr-3213	122	20	7,383	7,383	NUM
fsr-3213	122	21	)	)	PUNCT
fsr-3213	122	22	was	be	AUX
fsr-3213	122	23	solicited	solicit	VERB
fsr-3213	122	24	again	again	ADV
fsr-3213	122	25	and	and	CCONJ
fsr-3213	122	26	2,471	2,471	NUM
fsr-3213	122	27	surveys	survey	NOUN
fsr-3213	122	28	were	be	AUX
fsr-3213	122	29	completed	complete	VERB
fsr-3213	122	30	resulting	result	VERB
fsr-3213	122	31	in	in	ADP
fsr-3213	122	32	a	a	DET
fsr-3213	122	33	response	response	NOUN
fsr-3213	122	34	rate	rate	NOUN
fsr-3213	122	35	for	for	ADP
fsr-3213	122	36	wave	wave	NOUN
fsr-3213	122	37	2	2	NUM
fsr-3213	122	38	of	of	ADP
fsr-3213	122	39	33	33	NUM
fsr-3213	122	40	%	%	NOUN
fsr-3213	122	41	.	.	PUNCT
fsr-3213	123	1	3	3	X
fsr-3213	123	2	.	.	X
fsr-3213	123	3	wave	wave	NOUN
fsr-3213	123	4	3	3	NUM
fsr-3213	123	5	:	:	PUNCT
fsr-3213	123	6	the	the	DET
fsr-3213	123	7	third	third	ADJ
fsr-3213	123	8	wave	wave	NOUN
fsr-3213	123	9	,	,	PUNCT
fsr-3213	123	10	from	from	ADP
fsr-3213	123	11	april	april	PROPN
fsr-3213	123	12	to	to	ADP
fsr-3213	123	13	august	august	PROPN
fsr-3213	123	14	2012	2012	NUM
fsr-3213	123	15	,	,	PUNCT
fsr-3213	123	16	included	include	VERB
fsr-3213	123	17	the	the	DET
fsr-3213	123	18	7,383	7,383	NUM
fsr-3213	123	19	panelists	panelist	NOUN
fsr-3213	123	20	from	from	ADP
fsr-3213	123	21	wave	wave	NOUN
fsr-3213	123	22	1	1	NUM
fsr-3213	123	23	and	and	CCONJ
fsr-3213	123	24	2	2	NUM
fsr-3213	123	25	along	along	ADP
fsr-3213	123	26	with	with	ADP
fsr-3213	123	27	88,247	88,247	NUM
fsr-3213	123	28	new	new	ADJ
fsr-3213	123	29	invites	invite	NOUN
fsr-3213	123	30	.	.	PUNCT
fsr-3213	124	1	a	a	DET
fsr-3213	124	2	total	total	NOUN
fsr-3213	124	3	of	of	ADP
fsr-3213	124	4	1,045	1,045	NUM
fsr-3213	124	5	from	from	ADP
fsr-3213	124	6	waves	wave	NOUN
fsr-3213	124	7	1	1	NUM
fsr-3213	124	8	and	and	CCONJ
fsr-3213	124	9	2	2	NUM
fsr-3213	124	10	and	and	CCONJ
fsr-3213	124	11	7,510	7,510	NUM
fsr-3213	124	12	new	new	ADJ
fsr-3213	124	13	surveys	survey	NOUN
fsr-3213	124	14	were	be	AUX
fsr-3213	124	15	completed	complete	VERB
fsr-3213	124	16	for	for	ADP
fsr-3213	124	17	a	a	DET
fsr-3213	124	18	response	response	NOUN
fsr-3213	124	19	rate	rate	NOUN
fsr-3213	124	20	of	of	ADP
fsr-3213	124	21	8.9	8.9	NUM
fsr-3213	124	22	%	%	NOUN
fsr-3213	124	23	.	.	PUNCT
fsr-3213	125	1	110	110	NUM
fsr-3213	125	2	j.	j.	PROPN
fsr-3213	125	3	letkiewicz	letkiewicz	PROPN
fsr-3213	125	4	et	et	PROPN
fsr-3213	125	5	al	al	PROPN
fsr-3213	125	6	.	.	PUNCT
fsr-3213	125	7	/	/	SYM
fsr-3213	125	8	financial	financial	ADJ
fsr-3213	125	9	services	service	NOUN
fsr-3213	125	10	review	review	VERB
fsr-3213	125	11	25	25	NUM
fsr-3213	125	12	(	(	PUNCT
fsr-3213	125	13	2016	2016	NUM
fsr-3213	125	14	)	)	PUNCT
fsr-3213	125	15	105–126	105–126	NUM
fsr-3213	125	16	in	in	ADP
fsr-3213	125	17	terms	term	NOUN
fsr-3213	125	18	of	of	ADP
fsr-3213	125	19	response	response	NOUN
fsr-3213	125	20	rates	rate	NOUN
fsr-3213	125	21	,	,	PUNCT
fsr-3213	125	22	a	a	DET
fsr-3213	125	23	national	national	ADJ
fsr-3213	125	24	survey	survey	NOUN
fsr-3213	125	25	of	of	ADP
fsr-3213	125	26	student	student	NOUN
fsr-3213	125	27	engagement	engagement	NOUN
fsr-3213	125	28	(	(	PUNCT
fsr-3213	125	29	nsse	nsse	NOUN
fsr-3213	125	30	)	)	PUNCT
fsr-3213	125	31	study	study	NOUN
fsr-3213	125	32	(	(	PUNCT
fsr-3213	125	33	fosnacht	fosnacht	NOUN
fsr-3213	125	34	,	,	PUNCT
fsr-3213	125	35	sarraf	sarraf	NOUN
fsr-3213	125	36	,	,	PUNCT
fsr-3213	125	37	howe	howe	NOUN
fsr-3213	125	38	,	,	PUNCT
fsr-3213	125	39	and	and	CCONJ
fsr-3213	125	40	peck	peck	VERB
fsr-3213	125	41	,	,	PUNCT
fsr-3213	125	42	2013	2013	NUM
fsr-3213	125	43	)	)	PUNCT
fsr-3213	125	44	concluded	conclude	VERB
fsr-3213	125	45	that	that	SCONJ
fsr-3213	125	46	even	even	ADV
fsr-3213	125	47	relatively	relatively	ADV
fsr-3213	125	48	low	low	ADJ
fsr-3213	125	49	response	response	NOUN
fsr-3213	125	50	rates	rate	NOUN
fsr-3213	125	51	provided	provide	VERB
fsr-3213	125	52	reliable	reliable	ADJ
fsr-3213	125	53	estimates	estimate	NOUN
fsr-3213	125	54	and	and	CCONJ
fsr-3213	125	55	in	in	ADP
fsr-3213	125	56	other	other	ADJ
fsr-3213	125	57	studies	study	NOUN
fsr-3213	125	58	the	the	DET
fsr-3213	125	59	total	total	ADJ
fsr-3213	125	60	number	number	NOUN
fsr-3213	125	61	of	of	ADP
fsr-3213	125	62	respondents	respondent	NOUN
fsr-3213	125	63	has	have	AUX
fsr-3213	125	64	been	be	AUX
fsr-3213	125	65	shown	show	VERB
fsr-3213	125	66	to	to	PART
fsr-3213	125	67	be	be	AUX
fsr-3213	125	68	more	more	ADV
fsr-3213	125	69	important	important	ADJ
fsr-3213	125	70	in	in	ADP
fsr-3213	125	71	assuring	assure	VERB
fsr-3213	125	72	reliable	reliable	ADJ
fsr-3213	125	73	estimates	estimate	NOUN
fsr-3213	125	74	than	than	ADP
fsr-3213	125	75	response	response	NOUN
fsr-3213	125	76	rates	rate	NOUN
fsr-3213	125	77	(	(	PUNCT
fsr-3213	125	78	e.g.	e.g.	ADV
fsr-3213	125	79	,	,	PUNCT
fsr-3213	125	80	pike	pike	NOUN
fsr-3213	125	81	,	,	PUNCT
fsr-3213	125	82	2012	2012	NUM
fsr-3213	125	83	)	)	PUNCT
fsr-3213	125	84	.	.	PUNCT
fsr-3213	126	1	we	we	PRON
fsr-3213	126	2	believe	believe	VERB
fsr-3213	126	3	the	the	DET
fsr-3213	126	4	final	final	ADJ
fsr-3213	126	5	sample	sample	NOUN
fsr-3213	126	6	size	size	NOUN
fsr-3213	126	7	used	use	VERB
fsr-3213	126	8	in	in	ADP
fsr-3213	126	9	this	this	DET
fsr-3213	126	10	study	study	NOUN
fsr-3213	126	11	is	be	AUX
fsr-3213	126	12	sufficient	sufficient	ADJ
fsr-3213	126	13	in	in	ADP
fsr-3213	126	14	assuring	assure	VERB
fsr-3213	126	15	reliable	reliable	ADJ
fsr-3213	126	16	estimates	estimate	NOUN
fsr-3213	126	17	.	.	PUNCT
fsr-3213	127	1	there	there	PRON
fsr-3213	127	2	are	be	VERB
fsr-3213	127	3	two	two	NUM
fsr-3213	127	4	steps	step	NOUN
fsr-3213	127	5	in	in	ADP
fsr-3213	127	6	the	the	DET
fsr-3213	127	7	analysis	analysis	NOUN
fsr-3213	127	8	and	and	CCONJ
fsr-3213	127	9	the	the	DET
fsr-3213	127	10	samples	sample	NOUN
fsr-3213	127	11	used	use	VERB
fsr-3213	127	12	in	in	ADP
fsr-3213	127	13	each	each	DET
fsr-3213	127	14	step	step	NOUN
fsr-3213	127	15	are	be	AUX
fsr-3213	127	16	different	different	ADJ
fsr-3213	127	17	.	.	PUNCT
fsr-3213	128	1	for	for	ADP
fsr-3213	128	2	the	the	DET
fsr-3213	128	3	analysis	analysis	NOUN
fsr-3213	128	4	in	in	ADP
fsr-3213	128	5	model	model	NOUN
fsr-3213	128	6	1	1	NUM
fsr-3213	128	7	,	,	PUNCT
fsr-3213	128	8	we	we	PRON
fsr-3213	128	9	exclude	exclude	VERB
fsr-3213	128	10	the	the	DET
fsr-3213	128	11	panelists	panelist	NOUN
fsr-3213	128	12	in	in	ADP
fsr-3213	128	13	wave	wave	NOUN
fsr-3213	128	14	2	2	NUM
fsr-3213	128	15	,	,	PUNCT
fsr-3213	128	16	and	and	CCONJ
fsr-3213	128	17	panelists	panelist	NOUN
fsr-3213	128	18	from	from	ADP
fsr-3213	128	19	wave	wave	NOUN
fsr-3213	128	20	3	3	NUM
fsr-3213	128	21	who	who	PRON
fsr-3213	128	22	are	be	AUX
fsr-3213	128	23	resurveys	resurvey	NOUN
fsr-3213	128	24	from	from	ADP
fsr-3213	128	25	wave	wave	NOUN
fsr-3213	128	26	1	1	NUM
fsr-3213	128	27	,	,	PUNCT
fsr-3213	128	28	because	because	SCONJ
fsr-3213	128	29	these	these	DET
fsr-3213	128	30	respondents	respondent	NOUN
fsr-3213	128	31	do	do	AUX
fsr-3213	128	32	not	not	PART
fsr-3213	128	33	constitute	constitute	VERB
fsr-3213	128	34	independent	independent	ADJ
fsr-3213	128	35	observations	observation	NOUN
fsr-3213	128	36	.	.	PUNCT
fsr-3213	129	1	after	after	ADP
fsr-3213	129	2	removing	remove	VERB
fsr-3213	129	3	a	a	DET
fsr-3213	129	4	few	few	ADJ
fsr-3213	129	5	more	more	ADJ
fsr-3213	129	6	cases	case	NOUN
fsr-3213	129	7	because	because	SCONJ
fsr-3213	129	8	they	they	PRON
fsr-3213	129	9	are	be	AUX
fsr-3213	129	10	missing	miss	VERB
fsr-3213	129	11	the	the	DET
fsr-3213	129	12	respondent	respondent	NOUN
fsr-3213	129	13	identification	identification	NOUN
fsr-3213	129	14	variable	variable	NOUN
fsr-3213	129	15	,	,	PUNCT
fsr-3213	129	16	we	we	PRON
fsr-3213	129	17	combine	combine	VERB
fsr-3213	129	18	data	datum	NOUN
fsr-3213	129	19	from	from	ADP
fsr-3213	129	20	waves	wave	NOUN
fsr-3213	129	21	1	1	NUM
fsr-3213	129	22	(	(	PUNCT
fsr-3213	129	23	7,275	7,275	NUM
fsr-3213	129	24	)	)	PUNCT
fsr-3213	129	25	and	and	CCONJ
fsr-3213	129	26	3	3	NUM
fsr-3213	129	27	(	(	PUNCT
fsr-3213	129	28	7,502	7,502	NUM
fsr-3213	129	29	)	)	PUNCT
fsr-3213	129	30	to	to	PART
fsr-3213	129	31	create	create	VERB
fsr-3213	129	32	a	a	DET
fsr-3213	129	33	single	single	ADJ
fsr-3213	129	34	dataset	dataset	NOUN
fsr-3213	129	35	containing	contain	VERB
fsr-3213	129	36	14,777	14,777	NUM
fsr-3213	129	37	observations	observation	NOUN
fsr-3213	129	38	.	.	PUNCT
fsr-3213	130	1	a	a	DET
fsr-3213	130	2	total	total	NOUN
fsr-3213	130	3	of	of	ADP
fsr-3213	130	4	709	709	NUM
fsr-3213	130	5	cases	case	NOUN
fsr-3213	130	6	had	have	VERB
fsr-3213	130	7	one	one	NUM
fsr-3213	130	8	or	or	CCONJ
fsr-3213	130	9	more	more	ADJ
fsr-3213	130	10	financial	financial	ADJ
fsr-3213	130	11	variables	variable	NOUN
fsr-3213	130	12	missing	miss	VERB
fsr-3213	130	13	(	(	PUNCT
fsr-3213	130	14	primarily	primarily	ADV
fsr-3213	130	15	income	income	NOUN
fsr-3213	130	16	,	,	PUNCT
fsr-3213	130	17	assets	asset	NOUN
fsr-3213	130	18	,	,	PUNCT
fsr-3213	130	19	and	and	CCONJ
fsr-3213	130	20	debt	debt	NOUN
fsr-3213	130	21	)	)	PUNCT
fsr-3213	130	22	.	.	PUNCT
fsr-3213	131	1	we	we	PRON
fsr-3213	131	2	report	report	VERB
fsr-3213	131	3	results	result	NOUN
fsr-3213	131	4	using	use	VERB
fsr-3213	131	5	the	the	DET
fsr-3213	131	6	database	database	NOUN
fsr-3213	131	7	without	without	ADP
fsr-3213	131	8	missing	miss	VERB
fsr-3213	131	9	variables	variable	NOUN
fsr-3213	131	10	,	,	PUNCT
fsr-3213	131	11	or	or	CCONJ
fsr-3213	131	12	14,068	14,068	NUM
fsr-3213	131	13	observations	observation	NOUN
fsr-3213	131	14	.	.	PUNCT
fsr-3213	132	1	the	the	DET
fsr-3213	132	2	panel	panel	NOUN
fsr-3213	132	3	data	datum	NOUN
fsr-3213	132	4	are	be	AUX
fsr-3213	132	5	used	use	VERB
fsr-3213	132	6	in	in	ADP
fsr-3213	132	7	the	the	DET
fsr-3213	132	8	second	second	ADJ
fsr-3213	132	9	step	step	NOUN
fsr-3213	132	10	of	of	ADP
fsr-3213	132	11	the	the	DET
fsr-3213	132	12	analysis	analysis	NOUN
fsr-3213	132	13	.	.	PUNCT
fsr-3213	133	1	we	we	PRON
fsr-3213	133	2	only	only	ADV
fsr-3213	133	3	include	include	VERB
fsr-3213	133	4	data	datum	NOUN
fsr-3213	133	5	from	from	ADP
fsr-3213	133	6	respondents	respondent	NOUN
fsr-3213	133	7	who	who	PRON
fsr-3213	133	8	completed	complete	VERB
fsr-3213	133	9	the	the	DET
fsr-3213	133	10	survey	survey	NOUN
fsr-3213	133	11	in	in	ADP
fsr-3213	133	12	all	all	DET
fsr-3213	133	13	three	three	NUM
fsr-3213	133	14	waves	wave	NOUN
fsr-3213	133	15	(	(	PUNCT
fsr-3213	133	16	1,045	1,045	NUM
fsr-3213	133	17	)	)	PUNCT
fsr-3213	133	18	.	.	PUNCT
fsr-3213	134	1	after	after	ADP
fsr-3213	134	2	accounting	account	VERB
fsr-3213	134	3	for	for	ADP
fsr-3213	134	4	missing	miss	VERB
fsr-3213	134	5	data	datum	NOUN
fsr-3213	134	6	across	across	ADP
fsr-3213	134	7	all	all	DET
fsr-3213	134	8	three	three	NUM
fsr-3213	134	9	waves	wave	NOUN
fsr-3213	134	10	,	,	PUNCT
fsr-3213	134	11	the	the	DET
fsr-3213	134	12	final	final	ADJ
fsr-3213	134	13	panel	panel	NOUN
fsr-3213	134	14	data	datum	NOUN
fsr-3213	134	15	sample	sample	NOUN
fsr-3213	134	16	size	size	NOUN
fsr-3213	134	17	is	be	AUX
fsr-3213	134	18	reduced	reduce	VERB
fsr-3213	134	19	to	to	ADP
fsr-3213	134	20	826	826	NUM
fsr-3213	134	21	.	.	PUNCT
fsr-3213	135	1	the	the	DET
fsr-3213	135	2	survey	survey	NOUN
fsr-3213	135	3	targeted	target	VERB
fsr-3213	135	4	households	household	NOUN
fsr-3213	135	5	likely	likely	ADJ
fsr-3213	135	6	to	to	PART
fsr-3213	135	7	seek	seek	VERB
fsr-3213	135	8	help	help	NOUN
fsr-3213	135	9	from	from	ADP
fsr-3213	135	10	a	a	DET
fsr-3213	135	11	financial	financial	ADJ
fsr-3213	135	12	advisor	advisor	NOUN
fsr-3213	135	13	,	,	PUNCT
fsr-3213	135	14	with	with	ADP
fsr-3213	135	15	quota	quota	NOUN
fsr-3213	135	16	minimums	minimum	NOUN
fsr-3213	135	17	based	base	VERB
fsr-3213	135	18	on	on	ADP
fsr-3213	135	19	the	the	DET
fsr-3213	135	20	type	type	NOUN
fsr-3213	135	21	of	of	ADP
fsr-3213	135	22	financial	financial	ADJ
fsr-3213	135	23	advice	advice	NOUN
fsr-3213	135	24	received	receive	VERB
fsr-3213	135	25	(	(	PUNCT
fsr-3213	135	26	comprehensive	comprehensive	ADJ
fsr-3213	135	27	/	/	SYM
fsr-3213	135	28	integrated	integrate	VERB
fsr-3213	135	29	planning	planning	NOUN
fsr-3213	135	30	,	,	PUNCT
fsr-3213	135	31	limited	limited	ADJ
fsr-3213	135	32	planning	planning	NOUN
fsr-3213	135	33	)	)	PUNCT
fsr-3213	135	34	;	;	PUNCT
fsr-3213	136	1	credentials	credential	NOUN
fsr-3213	136	2	of	of	ADP
fsr-3213	136	3	the	the	DET
fsr-3213	136	4	advisors	advisor	NOUN
fsr-3213	136	5	(	(	PUNCT
fsr-3213	136	6	certified	certify	VERB
fsr-3213	136	7	planners	planner	NOUN
fsr-3213	136	8	vs.	vs.	ADP
fsr-3213	136	9	noncertified	noncertified	ADJ
fsr-3213	136	10	advisors	advisor	NOUN
fsr-3213	136	11	)	)	PUNCT
fsr-3213	136	12	;	;	PUNCT
fsr-3213	136	13	and	and	CCONJ
fsr-3213	136	14	those	those	PRON
fsr-3213	136	15	using	use	VERB
fsr-3213	136	16	or	or	CCONJ
fsr-3213	136	17	not	not	PART
fsr-3213	136	18	using	use	VERB
fsr-3213	136	19	an	an	DET
fsr-3213	136	20	advisor	advisor	NOUN
fsr-3213	136	21	.	.	PUNCT
fsr-3213	137	1	therefore	therefore	ADV
fsr-3213	137	2	,	,	PUNCT
fsr-3213	137	3	the	the	DET
fsr-3213	137	4	sample	sample	NOUN
fsr-3213	137	5	is	be	AUX
fsr-3213	137	6	not	not	PART
fsr-3213	137	7	nationally	nationally	ADV
fsr-3213	137	8	representative	representative	ADJ
fsr-3213	137	9	.	.	PUNCT
fsr-3213	138	1	while	while	SCONJ
fsr-3213	138	2	this	this	PRON
fsr-3213	138	3	is	be	AUX
fsr-3213	138	4	certainly	certainly	ADV
fsr-3213	138	5	a	a	DET
fsr-3213	138	6	limitation	limitation	NOUN
fsr-3213	138	7	of	of	ADP
fsr-3213	138	8	the	the	DET
fsr-3213	138	9	dataset	dataset	NOUN
fsr-3213	138	10	,	,	PUNCT
fsr-3213	138	11	we	we	PRON
fsr-3213	138	12	do	do	AUX
fsr-3213	138	13	not	not	PART
fsr-3213	138	14	see	see	VERB
fsr-3213	138	15	any	any	DET
fsr-3213	138	16	bias	bias	NOUN
fsr-3213	138	17	in	in	ADP
fsr-3213	138	18	it	it	PRON
fsr-3213	138	19	that	that	PRON
fsr-3213	138	20	invalidates	invalidate	VERB
fsr-3213	138	21	its	its	PRON
fsr-3213	138	22	use	use	NOUN
fsr-3213	138	23	to	to	PART
fsr-3213	138	24	investigate	investigate	VERB
fsr-3213	138	25	the	the	DET
fsr-3213	138	26	hypotheses	hypothesis	NOUN
fsr-3213	138	27	we	we	PRON
fsr-3213	138	28	test	test	VERB
fsr-3213	138	29	.	.	PUNCT
fsr-3213	139	1	the	the	DET
fsr-3213	139	2	financial	financial	ADJ
fsr-3213	139	3	planning	planning	NOUN
fsr-3213	139	4	standards	standard	NOUN
fsr-3213	139	5	council	council	NOUN
fsr-3213	139	6	(	(	PUNCT
fsr-3213	139	7	2013	2013	NUM
fsr-3213	139	8	)	)	PUNCT
fsr-3213	139	9	published	publish	VERB
fsr-3213	139	10	some	some	DET
fsr-3213	139	11	initial	initial	ADJ
fsr-3213	139	12	results	result	NOUN
fsr-3213	139	13	of	of	ADP
fsr-3213	139	14	the	the	DET
fsr-3213	139	15	survey	survey	NOUN
fsr-3213	139	16	in	in	ADP
fsr-3213	139	17	the	the	DET
fsr-3213	139	18	value	value	NOUN
fsr-3213	139	19	of	of	ADP
fsr-3213	139	20	financial	financial	ADJ
fsr-3213	139	21	planning	planning	NOUN
fsr-3213	139	22	.	.	PUNCT
fsr-3213	140	1	findings	finding	NOUN
fsr-3213	140	2	indicate	indicate	VERB
fsr-3213	140	3	that	that	SCONJ
fsr-3213	140	4	on	on	ADP
fsr-3213	140	5	average	average	ADJ
fsr-3213	140	6	,	,	PUNCT
fsr-3213	140	7	people	people	NOUN
fsr-3213	140	8	who	who	PRON
fsr-3213	140	9	seek	seek	VERB
fsr-3213	140	10	professional	professional	ADJ
fsr-3213	140	11	financial	financial	ADJ
fsr-3213	140	12	-	-	PUNCT
fsr-3213	140	13	planning	planning	NOUN
fsr-3213	140	14	help	help	NOUN
fsr-3213	140	15	will	will	AUX
fsr-3213	140	16	experience	experience	VERB
fsr-3213	140	17	greater	great	ADJ
fsr-3213	140	18	financial	financial	ADJ
fsr-3213	140	19	and	and	CCONJ
fsr-3213	140	20	emotional	emotional	ADJ
fsr-3213	140	21	well	well	ADV
fsr-3213	140	22	-	-	PUNCT
fsr-3213	140	23	being	being	NOUN
fsr-3213	140	24	.	.	PUNCT
fsr-3213	141	1	the	the	DET
fsr-3213	141	2	survey	survey	NOUN
fsr-3213	141	3	offers	offer	VERB
fsr-3213	141	4	much	much	ADV
fsr-3213	141	5	more	more	ADJ
fsr-3213	141	6	scope	scope	NOUN
fsr-3213	141	7	than	than	ADP
fsr-3213	141	8	the	the	DET
fsr-3213	141	9	simple	simple	ADJ
fsr-3213	141	10	descriptive	descriptive	ADJ
fsr-3213	141	11	statistics	statistic	NOUN
fsr-3213	141	12	in	in	ADP
fsr-3213	141	13	the	the	DET
fsr-3213	141	14	initial	initial	ADJ
fsr-3213	141	15	report	report	NOUN
fsr-3213	141	16	,	,	PUNCT
fsr-3213	141	17	and	and	CCONJ
fsr-3213	141	18	our	our	PRON
fsr-3213	141	19	study	study	NOUN
fsr-3213	141	20	utilizes	utilize	VERB
fsr-3213	141	21	the	the	DET
fsr-3213	141	22	data	datum	NOUN
fsr-3213	141	23	along	along	ADP
fsr-3213	141	24	with	with	ADP
fsr-3213	141	25	a	a	DET
fsr-3213	141	26	theoretical	theoretical	ADJ
fsr-3213	141	27	foundation	foundation	NOUN
fsr-3213	141	28	to	to	PART
fsr-3213	141	29	delve	delve	VERB
fsr-3213	141	30	deeper	deeply	ADV
fsr-3213	141	31	into	into	ADP
fsr-3213	141	32	the	the	DET
fsr-3213	141	33	question	question	NOUN
fsr-3213	141	34	of	of	ADP
fsr-3213	141	35	what	what	PRON
fsr-3213	141	36	affects	affect	VERB
fsr-3213	141	37	the	the	DET
fsr-3213	141	38	decision	decision	NOUN
fsr-3213	141	39	to	to	PART
fsr-3213	141	40	use	use	VERB
fsr-3213	141	41	a	a	DET
fsr-3213	141	42	financial	financial	ADJ
fsr-3213	141	43	planner	planner	NOUN
fsr-3213	141	44	.	.	PUNCT
fsr-3213	142	1	5.2	5.2	NUM
fsr-3213	142	2	.	.	PUNCT
fsr-3213	143	1	control	control	NOUN
fsr-3213	143	2	variables	variable	VERB
fsr-3213	143	3	the	the	DET
fsr-3213	143	4	demographic	demographic	ADJ
fsr-3213	143	5	variables	variable	NOUN
fsr-3213	143	6	include	include	VERB
fsr-3213	143	7	age	age	NOUN
fsr-3213	143	8	(	(	PUNCT
fsr-3213	143	9	categorical	categorical	ADJ
fsr-3213	143	10	variables	variable	NOUN
fsr-3213	143	11	)	)	PUNCT
fsr-3213	143	12	,	,	PUNCT
fsr-3213	143	13	gender	gender	NOUN
fsr-3213	143	14	,	,	PUNCT
fsr-3213	143	15	marital	marital	ADJ
fsr-3213	143	16	status	status	NOUN
fsr-3213	143	17	(	(	PUNCT
fsr-3213	143	18	married	married	ADJ
fsr-3213	143	19	or	or	CCONJ
fsr-3213	143	20	not	not	PART
fsr-3213	143	21	currently	currently	ADV
fsr-3213	143	22	married	marry	VERB
fsr-3213	143	23	,	,	PUNCT
fsr-3213	143	24	which	which	PRON
fsr-3213	143	25	includes	include	VERB
fsr-3213	143	26	single	single	ADJ
fsr-3213	143	27	,	,	PUNCT
fsr-3213	143	28	widowed	widow	VERB
fsr-3213	143	29	and	and	CCONJ
fsr-3213	143	30	separated	separate	VERB
fsr-3213	143	31	)	)	PUNCT
fsr-3213	143	32	,	,	PUNCT
fsr-3213	143	33	educational	educational	ADJ
fsr-3213	143	34	attainment	attainment	NOUN
fsr-3213	143	35	(	(	PUNCT
fsr-3213	143	36	no	no	DET
fsr-3213	143	37	college	college	NOUN
fsr-3213	143	38	degree	degree	NOUN
fsr-3213	143	39	,	,	PUNCT
fsr-3213	143	40	college	college	NOUN
fsr-3213	143	41	degree	degree	NOUN
fsr-3213	143	42	or	or	CCONJ
fsr-3213	143	43	some	some	DET
fsr-3213	143	44	college	college	NOUN
fsr-3213	143	45	,	,	PUNCT
fsr-3213	143	46	have	have	VERB
fsr-3213	143	47	a	a	DET
fsr-3213	143	48	university	university	NOUN
fsr-3213	143	49	degree	degree	NOUN
fsr-3213	143	50	)	)	PUNCT
fsr-3213	143	51	,	,	PUNCT
fsr-3213	143	52	employment	employment	NOUN
fsr-3213	143	53	status	status	NOUN
fsr-3213	143	54	(	(	PUNCT
fsr-3213	143	55	unemployed	unemployed	ADJ
fsr-3213	143	56	,	,	PUNCT
fsr-3213	143	57	employed	employ	VERB
fsr-3213	143	58	,	,	PUNCT
fsr-3213	143	59	or	or	CCONJ
fsr-3213	143	60	retired	retire	VERB
fsr-3213	143	61	)	)	PUNCT
fsr-3213	143	62	,	,	PUNCT
fsr-3213	143	63	and	and	CCONJ
fsr-3213	143	64	whether	whether	SCONJ
fsr-3213	143	65	or	or	CCONJ
fsr-3213	143	66	not	not	PART
fsr-3213	143	67	they	they	PRON
fsr-3213	143	68	have	have	VERB
fsr-3213	143	69	children	child	NOUN
fsr-3213	143	70	.	.	PUNCT
fsr-3213	144	1	it	it	PRON
fsr-3213	144	2	should	should	AUX
fsr-3213	144	3	be	be	AUX
fsr-3213	144	4	noted	note	VERB
fsr-3213	144	5	that	that	SCONJ
fsr-3213	144	6	in	in	ADP
fsr-3213	144	7	canada	canada	PROPN
fsr-3213	144	8	,	,	PUNCT
fsr-3213	144	9	“	"	PUNCT
fsr-3213	144	10	college	college	NOUN
fsr-3213	144	11	”	"	PUNCT
fsr-3213	144	12	refers	refer	VERB
fsr-3213	144	13	to	to	ADP
fsr-3213	144	14	institutions	institution	NOUN
fsr-3213	144	15	similar	similar	ADJ
fsr-3213	144	16	to	to	ADP
fsr-3213	144	17	community	community	NOUN
fsr-3213	144	18	colleges	college	NOUN
fsr-3213	144	19	,	,	PUNCT
fsr-3213	144	20	tech	tech	NOUN
fsr-3213	144	21	,	,	PUNCT
fsr-3213	144	22	or	or	CCONJ
fsr-3213	144	23	trade	trade	NOUN
fsr-3213	144	24	schools	school	NOUN
fsr-3213	144	25	in	in	ADP
fsr-3213	144	26	the	the	DET
fsr-3213	144	27	united	united	PROPN
fsr-3213	144	28	states	states	PROPN
fsr-3213	144	29	.	.	PUNCT
fsr-3213	145	1	these	these	DET
fsr-3213	145	2	variables	variable	NOUN
fsr-3213	145	3	likely	likely	ADV
fsr-3213	145	4	affect	affect	VERB
fsr-3213	145	5	help	help	NOUN
fsr-3213	145	6	seeking	seek	VERB
fsr-3213	145	7	tendencies	tendency	NOUN
fsr-3213	145	8	,	,	PUNCT
fsr-3213	145	9	but	but	CCONJ
fsr-3213	145	10	they	they	PRON
fsr-3213	145	11	are	be	AUX
fsr-3213	145	12	not	not	PART
fsr-3213	145	13	our	our	PRON
fsr-3213	145	14	primary	primary	ADJ
fsr-3213	145	15	concern	concern	NOUN
fsr-3213	145	16	.	.	PUNCT
fsr-3213	146	1	for	for	ADP
fsr-3213	146	2	example	example	NOUN
fsr-3213	146	3	,	,	PUNCT
fsr-3213	146	4	a	a	DET
fsr-3213	146	5	household	household	NOUN
fsr-3213	146	6	with	with	ADP
fsr-3213	146	7	children	child	NOUN
fsr-3213	146	8	will	will	AUX
fsr-3213	146	9	need	need	VERB
fsr-3213	146	10	to	to	PART
fsr-3213	146	11	determine	determine	VERB
fsr-3213	146	12	life	life	NOUN
fsr-3213	146	13	insurance	insurance	NOUN
fsr-3213	146	14	needs	need	NOUN
fsr-3213	146	15	or	or	CCONJ
fsr-3213	146	16	college	college	NOUN
fsr-3213	146	17	savings	saving	NOUN
fsr-3213	146	18	,	,	PUNCT
fsr-3213	146	19	which	which	PRON
fsr-3213	146	20	may	may	AUX
fsr-3213	146	21	require	require	VERB
fsr-3213	146	22	outside	outside	ADJ
fsr-3213	146	23	assistance	assistance	NOUN
fsr-3213	146	24	.	.	PUNCT
fsr-3213	147	1	we	we	PRON
fsr-3213	147	2	expect	expect	VERB
fsr-3213	147	3	a	a	DET
fsr-3213	147	4	positive	positive	ADJ
fsr-3213	147	5	sign	sign	NOUN
fsr-3213	147	6	for	for	ADP
fsr-3213	147	7	higher	high	ADJ
fsr-3213	147	8	levels	level	NOUN
fsr-3213	147	9	of	of	ADP
fsr-3213	147	10	education	education	NOUN
fsr-3213	147	11	because	because	SCONJ
fsr-3213	147	12	it	it	PRON
fsr-3213	147	13	is	be	AUX
fsr-3213	147	14	also	also	ADV
fsr-3213	147	15	highly	highly	ADV
fsr-3213	147	16	correlated	correlate	VERB
fsr-3213	147	17	with	with	ADP
fsr-3213	147	18	income	income	NOUN
fsr-3213	147	19	and	and	CCONJ
fsr-3213	147	20	wealth	wealth	NOUN
fsr-3213	147	21	,	,	PUNCT
fsr-3213	147	22	and	and	CCONJ
fsr-3213	147	23	a	a	DET
fsr-3213	147	24	positive	positive	ADJ
fsr-3213	147	25	relationship	relationship	NOUN
fsr-3213	147	26	for	for	ADP
fsr-3213	147	27	the	the	DET
fsr-3213	147	28	age	age	NOUN
fsr-3213	147	29	group	group	NOUN
fsr-3213	147	30	50–64	50–64	NUM
fsr-3213	147	31	because	because	SCONJ
fsr-3213	147	32	that	that	PRON
fsr-3213	147	33	is	be	AUX
fsr-3213	147	34	the	the	DET
fsr-3213	147	35	period	period	NOUN
fsr-3213	147	36	in	in	ADP
fsr-3213	147	37	the	the	DET
fsr-3213	147	38	life	life	NOUN
fsr-3213	147	39	cycle	cycle	NOUN
fsr-3213	147	40	when	when	SCONJ
fsr-3213	147	41	people	people	NOUN
fsr-3213	147	42	are	be	AUX
fsr-3213	147	43	accumulating	accumulate	VERB
fsr-3213	147	44	investment	investment	NOUN
fsr-3213	147	45	assets	asset	NOUN
fsr-3213	147	46	and	and	CCONJ
fsr-3213	147	47	need	need	VERB
fsr-3213	147	48	retirement	retirement	NOUN
fsr-3213	147	49	planning	planning	NOUN
fsr-3213	147	50	.	.	PUNCT
fsr-3213	148	1	these	these	DET
fsr-3213	148	2	variables	variable	NOUN
fsr-3213	148	3	must	must	AUX
fsr-3213	148	4	be	be	AUX
fsr-3213	148	5	included	include	VERB
fsr-3213	148	6	to	to	PART
fsr-3213	148	7	remove	remove	VERB
fsr-3213	148	8	their	their	PRON
fsr-3213	148	9	effect	effect	NOUN
fsr-3213	148	10	before	before	SCONJ
fsr-3213	148	11	we	we	PRON
fsr-3213	148	12	can	can	AUX
fsr-3213	148	13	determine	determine	VERB
fsr-3213	148	14	the	the	DET
fsr-3213	148	15	significance	significance	NOUN
fsr-3213	148	16	of	of	ADP
fsr-3213	148	17	our	our	PRON
fsr-3213	148	18	hypotheses	hypothesis	NOUN
fsr-3213	148	19	.	.	PUNCT
fsr-3213	149	1	financial	financial	ADJ
fsr-3213	149	2	variables	variable	NOUN
fsr-3213	149	3	,	,	PUNCT
fsr-3213	149	4	which	which	PRON
fsr-3213	149	5	we	we	PRON
fsr-3213	149	6	111j	111j	VERB
fsr-3213	149	7	.	.	PUNCT
fsr-3213	150	1	letkiewicz	letkiewicz	PROPN
fsr-3213	150	2	et	et	PROPN
fsr-3213	150	3	al	al	PROPN
fsr-3213	150	4	.	.	PUNCT
fsr-3213	150	5	/	/	SYM
fsr-3213	150	6	financial	financial	ADJ
fsr-3213	150	7	services	service	NOUN
fsr-3213	150	8	review	review	VERB
fsr-3213	150	9	25	25	NUM
fsr-3213	150	10	(	(	PUNCT
fsr-3213	150	11	2016	2016	NUM
fsr-3213	150	12	)	)	PUNCT
fsr-3213	150	13	105–126	105–126	NOUN
fsr-3213	150	14	will	will	AUX
fsr-3213	150	15	refer	refer	VERB
fsr-3213	150	16	to	to	ADP
fsr-3213	150	17	collectively	collectively	ADV
fsr-3213	150	18	as	as	ADP
fsr-3213	150	19	wealth	wealth	NOUN
fsr-3213	150	20	variables	variable	NOUN
fsr-3213	150	21	,	,	PUNCT
fsr-3213	150	22	include	include	VERB
fsr-3213	150	23	total	total	ADJ
fsr-3213	150	24	assets	asset	NOUN
fsr-3213	150	25	,	,	PUNCT
fsr-3213	150	26	income	income	NOUN
fsr-3213	150	27	levels	level	NOUN
fsr-3213	150	28	(	(	PUNCT
fsr-3213	150	29	categorical	categorical	ADJ
fsr-3213	150	30	variables	variable	NOUN
fsr-3213	150	31	)	)	PUNCT
fsr-3213	150	32	,	,	PUNCT
fsr-3213	150	33	home	home	NOUN
fsr-3213	150	34	ownership	ownership	NOUN
fsr-3213	150	35	,	,	PUNCT
fsr-3213	150	36	and	and	CCONJ
fsr-3213	150	37	non	non	ADJ
fsr-3213	150	38	-	-	ADJ
fsr-3213	150	39	housing	housing	ADJ
fsr-3213	150	40	debt	debt	NOUN
fsr-3213	150	41	.	.	PUNCT
fsr-3213	151	1	a	a	DET
fsr-3213	151	2	binary	binary	ADJ
fsr-3213	151	3	variable	variable	NOUN
fsr-3213	151	4	controls	control	NOUN
fsr-3213	151	5	for	for	ADP
fsr-3213	151	6	the	the	DET
fsr-3213	151	7	survey	survey	NOUN
fsr-3213	151	8	year	year	NOUN
fsr-3213	151	9	(	(	PUNCT
fsr-3213	151	10	wave	wave	NOUN
fsr-3213	151	11	1	1	NUM
fsr-3213	151	12	)	)	PUNCT
fsr-3213	151	13	.	.	PUNCT
fsr-3213	152	1	this	this	PRON
fsr-3213	152	2	ensures	ensure	VERB
fsr-3213	152	3	that	that	SCONJ
fsr-3213	152	4	the	the	DET
fsr-3213	152	5	results	result	NOUN
fsr-3213	152	6	presented	present	VERB
fsr-3213	152	7	from	from	ADP
fsr-3213	152	8	model	model	NOUN
fsr-3213	152	9	1	1	NUM
fsr-3213	152	10	are	be	AUX
fsr-3213	152	11	not	not	PART
fsr-3213	152	12	time	time	NOUN
fsr-3213	152	13	-	-	PUNCT
fsr-3213	152	14	dependent	dependent	ADJ
fsr-3213	152	15	.	.	PUNCT
fsr-3213	153	1	the	the	DET
fsr-3213	153	2	survey	survey	NOUN
fsr-3213	153	3	poses	pose	VERB
fsr-3213	153	4	a	a	DET
fsr-3213	153	5	series	series	NOUN
fsr-3213	153	6	of	of	ADP
fsr-3213	153	7	questions	question	NOUN
fsr-3213	153	8	on	on	ADP
fsr-3213	153	9	the	the	DET
fsr-3213	153	10	respondent	respondent	NOUN
fsr-3213	153	11	’s	’s	PART
fsr-3213	153	12	feelings	feeling	NOUN
fsr-3213	153	13	or	or	CCONJ
fsr-3213	153	14	opinions	opinion	NOUN
fsr-3213	153	15	about	about	ADP
fsr-3213	153	16	his	his	PRON
fsr-3213	153	17	or	or	CCONJ
fsr-3213	153	18	her	her	PRON
fsr-3213	153	19	own	own	ADJ
fsr-3213	153	20	financial	financial	ADJ
fsr-3213	153	21	well	well	NOUN
fsr-3213	153	22	-	-	PUNCT
fsr-3213	153	23	being	being	NOUN
fsr-3213	153	24	.	.	PUNCT
fsr-3213	154	1	we	we	PRON
fsr-3213	154	2	use	use	VERB
fsr-3213	154	3	these	these	DET
fsr-3213	154	4	questions	question	NOUN
fsr-3213	154	5	to	to	PART
fsr-3213	154	6	construct	construct	VERB
fsr-3213	154	7	measures	measure	NOUN
fsr-3213	154	8	of	of	ADP
fsr-3213	154	9	financial	financial	ADJ
fsr-3213	154	10	stress	stress	NOUN
fsr-3213	154	11	and	and	CCONJ
fsr-3213	154	12	financial	financial	ADJ
fsr-3213	154	13	self	self	NOUN
fsr-3213	154	14	-	-	PUNCT
fsr-3213	154	15	efficacy	efficacy	NOUN
fsr-3213	154	16	.	.	PUNCT
fsr-3213	155	1	finally	finally	ADV
fsr-3213	155	2	,	,	PUNCT
fsr-3213	155	3	there	there	PRON
fsr-3213	155	4	are	be	VERB
fsr-3213	155	5	two	two	NUM
fsr-3213	155	6	variables	variable	NOUN
fsr-3213	155	7	that	that	PRON
fsr-3213	155	8	we	we	PRON
fsr-3213	155	9	believe	believe	VERB
fsr-3213	155	10	are	be	AUX
fsr-3213	155	11	related	relate	VERB
fsr-3213	155	12	to	to	ADP
fsr-3213	155	13	financial	financial	ADJ
fsr-3213	155	14	stress	stress	NOUN
fsr-3213	155	15	and	and	CCONJ
fsr-3213	155	16	are	be	AUX
fsr-3213	155	17	more	more	ADV
fsr-3213	155	18	objective	objective	ADJ
fsr-3213	155	19	than	than	ADP
fsr-3213	155	20	feelings	feeling	NOUN
fsr-3213	155	21	about	about	ADP
fsr-3213	155	22	well	well	ADV
fsr-3213	155	23	-	-	PUNCT
fsr-3213	155	24	being	being	NOUN
fsr-3213	155	25	:	:	PUNCT
fsr-3213	155	26	amount	amount	NOUN
fsr-3213	155	27	of	of	ADP
fsr-3213	155	28	nonhousing	nonhouse	VERB
fsr-3213	155	29	debt	debt	NOUN
fsr-3213	155	30	and	and	CCONJ
fsr-3213	155	31	whether	whether	SCONJ
fsr-3213	155	32	the	the	DET
fsr-3213	155	33	respondent	respondent	NOUN
fsr-3213	155	34	believes	believe	VERB
fsr-3213	155	35	he	he	PRON
fsr-3213	155	36	or	or	CCONJ
fsr-3213	155	37	she	she	PRON
fsr-3213	155	38	is	be	AUX
fsr-3213	155	39	likely	likely	ADJ
fsr-3213	155	40	to	to	PART
fsr-3213	155	41	lose	lose	VERB
fsr-3213	155	42	his	his	PRON
fsr-3213	155	43	or	or	CCONJ
fsr-3213	155	44	her	her	PRON
fsr-3213	155	45	job	job	NOUN
fsr-3213	155	46	in	in	ADP
fsr-3213	155	47	the	the	DET
fsr-3213	155	48	future	future	NOUN
fsr-3213	155	49	.	.	PUNCT
fsr-3213	156	1	5.3	5.3	NUM
fsr-3213	156	2	.	.	PUNCT
fsr-3213	156	3	measuring	measure	VERB
fsr-3213	156	4	financial	financial	ADJ
fsr-3213	156	5	stress	stress	NOUN
fsr-3213	156	6	both	both	DET
fsr-3213	156	7	subjective	subjective	ADJ
fsr-3213	156	8	measures	measure	NOUN
fsr-3213	156	9	of	of	ADP
fsr-3213	156	10	stress	stress	NOUN
fsr-3213	156	11	,	,	PUNCT
fsr-3213	156	12	which	which	PRON
fsr-3213	156	13	indicate	indicate	VERB
fsr-3213	156	14	an	an	DET
fsr-3213	156	15	internal	internal	ADJ
fsr-3213	156	16	emotion	emotion	NOUN
fsr-3213	156	17	,	,	PUNCT
fsr-3213	156	18	and	and	CCONJ
fsr-3213	156	19	objective	objective	ADJ
fsr-3213	156	20	measures	measure	NOUN
fsr-3213	156	21	of	of	ADP
fsr-3213	156	22	stress	stress	NOUN
fsr-3213	156	23	,	,	PUNCT
fsr-3213	156	24	which	which	PRON
fsr-3213	156	25	are	be	AUX
fsr-3213	156	26	external	external	ADJ
fsr-3213	156	27	or	or	CCONJ
fsr-3213	156	28	environmental	environmental	ADJ
fsr-3213	156	29	factors	factor	NOUN
fsr-3213	156	30	,	,	PUNCT
fsr-3213	156	31	have	have	AUX
fsr-3213	156	32	been	be	AUX
fsr-3213	156	33	used	use	VERB
fsr-3213	156	34	by	by	ADP
fsr-3213	156	35	researchers	researcher	NOUN
fsr-3213	156	36	to	to	PART
fsr-3213	156	37	measure	measure	VERB
fsr-3213	156	38	financial	financial	ADJ
fsr-3213	156	39	stress	stress	NOUN
fsr-3213	156	40	(	(	PUNCT
fsr-3213	156	41	britt	britt	PROPN
fsr-3213	156	42	et	et	PROPN
fsr-3213	156	43	al	al	PROPN
fsr-3213	156	44	.	.	PROPN
fsr-3213	156	45	,	,	PUNCT
fsr-3213	156	46	2008	2008	NUM
fsr-3213	156	47	;	;	PUNCT
fsr-3213	156	48	kim	kim	PROPN
fsr-3213	156	49	and	and	CCONJ
fsr-3213	156	50	garman	garman	PROPN
fsr-3213	156	51	,	,	PUNCT
fsr-3213	156	52	2003	2003	NUM
fsr-3213	156	53	;	;	PUNCT
fsr-3213	156	54	wrosch	wrosch	VERB
fsr-3213	156	55	et	et	PROPN
fsr-3213	156	56	al	al	PROPN
fsr-3213	156	57	.	.	PROPN
fsr-3213	156	58	,	,	PUNCT
fsr-3213	156	59	2000	2000	NUM
fsr-3213	156	60	)	)	PUNCT
fsr-3213	156	61	.	.	PUNCT
fsr-3213	157	1	the	the	DET
fsr-3213	157	2	subjective	subjective	ADJ
fsr-3213	157	3	measures	measure	NOUN
fsr-3213	157	4	in	in	ADP
fsr-3213	157	5	this	this	DET
fsr-3213	157	6	study	study	NOUN
fsr-3213	157	7	(	(	PUNCT
fsr-3213	157	8	listed	list	VERB
fsr-3213	157	9	below	below	ADV
fsr-3213	157	10	)	)	PUNCT
fsr-3213	157	11	are	be	AUX
fsr-3213	157	12	similar	similar	ADJ
fsr-3213	157	13	to	to	ADP
fsr-3213	157	14	questions	question	NOUN
fsr-3213	157	15	used	use	VERB
fsr-3213	157	16	by	by	ADP
fsr-3213	157	17	other	other	ADJ
fsr-3213	157	18	researchers	researcher	NOUN
fsr-3213	157	19	.	.	PUNCT
fsr-3213	158	1	for	for	ADP
fsr-3213	158	2	example	example	NOUN
fsr-3213	158	3	,	,	PUNCT
fsr-3213	158	4	kim	kim	PROPN
fsr-3213	158	5	and	and	CCONJ
fsr-3213	158	6	garman	garman	PROPN
fsr-3213	158	7	(	(	PUNCT
fsr-3213	158	8	2003	2003	NUM
fsr-3213	158	9	)	)	PUNCT
fsr-3213	158	10	use	use	VERB
fsr-3213	158	11	two	two	NUM
fsr-3213	158	12	measures	measure	NOUN
fsr-3213	158	13	,	,	PUNCT
fsr-3213	158	14	“	"	PUNCT
fsr-3213	158	15	my	my	PRON
fsr-3213	158	16	income	income	NOUN
fsr-3213	158	17	is	be	AUX
fsr-3213	158	18	enough	enough	ADJ
fsr-3213	158	19	for	for	SCONJ
fsr-3213	158	20	me	i	PRON
fsr-3213	158	21	to	to	PART
fsr-3213	158	22	meet	meet	VERB
fsr-3213	158	23	my	my	PRON
fsr-3213	158	24	monthly	monthly	ADJ
fsr-3213	158	25	living	living	NOUN
fsr-3213	158	26	expenses	expense	NOUN
fsr-3213	158	27	”	"	PUNCT
fsr-3213	158	28	(	(	PUNCT
fsr-3213	158	29	reverse	reverse	NOUN
fsr-3213	158	30	coded	code	VERB
fsr-3213	158	31	)	)	PUNCT
fsr-3213	158	32	and	and	CCONJ
fsr-3213	158	33	“	"	PUNCT
fsr-3213	158	34	i	i	PRON
fsr-3213	158	35	worry	worry	VERB
fsr-3213	158	36	about	about	ADP
fsr-3213	158	37	how	how	SCONJ
fsr-3213	158	38	much	much	ADJ
fsr-3213	158	39	money	money	NOUN
fsr-3213	158	40	i	i	PRON
fsr-3213	158	41	owe	owe	VERB
fsr-3213	158	42	.	.	PUNCT
fsr-3213	158	43	”	"	PUNCT
fsr-3213	159	1	another	another	DET
fsr-3213	159	2	study	study	NOUN
fsr-3213	159	3	(	(	PUNCT
fsr-3213	159	4	wrosch	wrosch	NOUN
fsr-3213	159	5	et	et	PROPN
fsr-3213	159	6	al	al	PROPN
fsr-3213	159	7	.	.	PROPN
fsr-3213	159	8	,	,	PUNCT
fsr-3213	159	9	2000	2000	NUM
fsr-3213	159	10	)	)	PUNCT
fsr-3213	159	11	uses	use	VERB
fsr-3213	159	12	two	two	NUM
fsr-3213	159	13	subjective	subjective	ADJ
fsr-3213	159	14	measures	measure	NOUN
fsr-3213	159	15	of	of	ADP
fsr-3213	159	16	stress	stress	NOUN
fsr-3213	159	17	,	,	PUNCT
fsr-3213	159	18	“	"	PUNCT
fsr-3213	159	19	i	i	PRON
fsr-3213	159	20	have	have	VERB
fsr-3213	159	21	enough	enough	ADJ
fsr-3213	159	22	money	money	NOUN
fsr-3213	159	23	to	to	PART
fsr-3213	159	24	meet	meet	VERB
fsr-3213	159	25	my	my	PRON
fsr-3213	159	26	needs	need	NOUN
fsr-3213	159	27	”	"	PUNCT
fsr-3213	159	28	and	and	CCONJ
fsr-3213	159	29	“	"	PUNCT
fsr-3213	159	30	i	i	PRON
fsr-3213	159	31	have	have	VERB
fsr-3213	159	32	difficulty	difficulty	NOUN
fsr-3213	159	33	paying	pay	VERB
fsr-3213	159	34	monthly	monthly	ADJ
fsr-3213	159	35	bills	bill	NOUN
fsr-3213	159	36	.	.	PUNCT
fsr-3213	159	37	”	"	PUNCT
fsr-3213	160	1	we	we	PRON
fsr-3213	160	2	use	use	VERB
fsr-3213	160	3	the	the	DET
fsr-3213	160	4	following	follow	VERB
fsr-3213	160	5	three	three	NUM
fsr-3213	160	6	questions	question	NOUN
fsr-3213	160	7	to	to	PART
fsr-3213	160	8	construct	construct	VERB
fsr-3213	160	9	the	the	DET
fsr-3213	160	10	measure	measure	NOUN
fsr-3213	160	11	of	of	ADP
fsr-3213	160	12	subjective	subjective	ADJ
fsr-3213	160	13	financial	financial	ADJ
fsr-3213	160	14	stress	stress	NOUN
fsr-3213	160	15	:	:	PUNCT
fsr-3213	161	1	y	y	NOUN
fsr-3213	161	2	i	i	PRON
fsr-3213	161	3	worry	worry	VERB
fsr-3213	161	4	a	a	DET
fsr-3213	161	5	lot	lot	NOUN
fsr-3213	161	6	about	about	ADP
fsr-3213	161	7	my	my	PRON
fsr-3213	161	8	financial	financial	ADJ
fsr-3213	161	9	situation	situation	NOUN
fsr-3213	161	10	y	y	NOUN
fsr-3213	161	11	i	i	PRON
fsr-3213	161	12	feel	feel	VERB
fsr-3213	161	13	i	i	PRON
fsr-3213	161	14	barely	barely	ADV
fsr-3213	161	15	get	get	VERB
fsr-3213	161	16	by	by	ADP
fsr-3213	161	17	every	every	DET
fsr-3213	161	18	month	month	NOUN
fsr-3213	161	19	y	y	PROPN
fsr-3213	161	20	my	my	PRON
fsr-3213	161	21	finances	finance	NOUN
fsr-3213	161	22	are	be	AUX
fsr-3213	161	23	out	out	ADP
fsr-3213	161	24	of	of	ADP
fsr-3213	161	25	control	control	NOUN
fsr-3213	161	26	responses	response	NOUN
fsr-3213	161	27	for	for	ADP
fsr-3213	161	28	all	all	DET
fsr-3213	161	29	items	item	NOUN
fsr-3213	161	30	were	be	AUX
fsr-3213	161	31	based	base	VERB
fsr-3213	161	32	on	on	ADP
fsr-3213	161	33	a	a	DET
fsr-3213	161	34	9	9	NUM
fsr-3213	161	35	-	-	PUNCT
fsr-3213	161	36	point	point	NOUN
fsr-3213	161	37	likert	likert	ADJ
fsr-3213	161	38	scale	scale	NOUN
fsr-3213	161	39	(	(	PUNCT
fsr-3213	161	40	1	1	NUM
fsr-3213	161	41	�	�	PROPN
fsr-3213	161	42	strongly	strongly	ADV
fsr-3213	161	43	disagree	disagree	VERB
fsr-3213	161	44	to	to	ADP
fsr-3213	161	45	9	9	NUM
fsr-3213	161	46	�	�	PROPN
fsr-3213	161	47	strongly	strongly	ADV
fsr-3213	161	48	agree	agree	VERB
fsr-3213	161	49	)	)	PUNCT
fsr-3213	161	50	.	.	PUNCT
fsr-3213	162	1	we	we	PRON
fsr-3213	162	2	use	use	VERB
fsr-3213	162	3	principal	principal	ADJ
fsr-3213	162	4	component	component	NOUN
fsr-3213	162	5	analysis	analysis	NOUN
fsr-3213	162	6	to	to	PART
fsr-3213	162	7	create	create	VERB
fsr-3213	162	8	the	the	DET
fsr-3213	162	9	subjective	subjective	ADJ
fsr-3213	162	10	financial	financial	ADJ
fsr-3213	162	11	stress	stress	NOUN
fsr-3213	162	12	variable	variable	NOUN
fsr-3213	162	13	(	(	PUNCT
fsr-3213	162	14	stress	stress	NOUN
fsr-3213	162	15	,	,	PUNCT
fsr-3213	162	16	henceforth	henceforth	ADV
fsr-3213	162	17	)	)	PUNCT
fsr-3213	162	18	with	with	ADP
fsr-3213	162	19	a	a	DET
fsr-3213	162	20	mean	mean	NOUN
fsr-3213	162	21	of	of	ADP
fsr-3213	162	22	zero	zero	NUM
fsr-3213	162	23	,	,	PUNCT
fsr-3213	162	24	and	and	CCONJ
fsr-3213	162	25	positive	positive	ADJ
fsr-3213	162	26	score	score	NOUN
fsr-3213	162	27	indicating	indicate	VERB
fsr-3213	162	28	a	a	DET
fsr-3213	162	29	relatively	relatively	ADV
fsr-3213	162	30	higher	high	ADJ
fsr-3213	162	31	level	level	NOUN
fsr-3213	162	32	of	of	ADP
fsr-3213	162	33	stress	stress	NOUN
fsr-3213	162	34	.	.	PUNCT
fsr-3213	163	1	the	the	DET
fsr-3213	163	2	resulting	result	VERB
fsr-3213	163	3	construct	construct	NOUN
fsr-3213	163	4	has	have	VERB
fsr-3213	163	5	a	a	DET
fsr-3213	163	6	cronbach	cronbach	NOUN
fsr-3213	163	7	’s	’s	NOUN
fsr-3213	163	8	�	�	PROPN
fsr-3213	163	9	of	of	ADP
fsr-3213	163	10	0.807	0.807	NUM
fsr-3213	163	11	,	,	PUNCT
fsr-3213	163	12	indicating	indicate	VERB
fsr-3213	163	13	good	good	ADJ
fsr-3213	163	14	internal	internal	ADJ
fsr-3213	163	15	consistency	consistency	NOUN
fsr-3213	163	16	.	.	PUNCT
fsr-3213	164	1	we	we	PRON
fsr-3213	164	2	distinguish	distinguish	VERB
fsr-3213	164	3	between	between	ADP
fsr-3213	164	4	self	self	NOUN
fsr-3213	164	5	-	-	PUNCT
fsr-3213	164	6	efficacy	efficacy	NOUN
fsr-3213	164	7	as	as	ADP
fsr-3213	164	8	the	the	DET
fsr-3213	164	9	person	person	NOUN
fsr-3213	164	10	’s	’s	PART
fsr-3213	164	11	belief	belief	NOUN
fsr-3213	164	12	that	that	SCONJ
fsr-3213	164	13	she	she	PRON
fsr-3213	164	14	or	or	CCONJ
fsr-3213	164	15	he	he	PRON
fsr-3213	164	16	can	can	AUX
fsr-3213	164	17	take	take	VERB
fsr-3213	164	18	action	action	NOUN
fsr-3213	164	19	to	to	PART
fsr-3213	164	20	improve	improve	VERB
fsr-3213	164	21	the	the	DET
fsr-3213	164	22	situation	situation	NOUN
fsr-3213	164	23	,	,	PUNCT
fsr-3213	164	24	and	and	CCONJ
fsr-3213	164	25	stress	stress	NOUN
fsr-3213	164	26	as	as	ADP
fsr-3213	164	27	the	the	DET
fsr-3213	164	28	person	person	NOUN
fsr-3213	164	29	’s	’s	PART
fsr-3213	164	30	belief	belief	NOUN
fsr-3213	164	31	or	or	CCONJ
fsr-3213	164	32	feeling	feel	VERB
fsr-3213	164	33	that	that	SCONJ
fsr-3213	164	34	his	his	PRON
fsr-3213	164	35	or	or	CCONJ
fsr-3213	164	36	her	her	PRON
fsr-3213	164	37	situation	situation	NOUN
fsr-3213	164	38	is	be	AUX
fsr-3213	164	39	negatively	negatively	ADV
fsr-3213	164	40	impacting	impact	VERB
fsr-3213	164	41	their	their	PRON
fsr-3213	164	42	well	well	ADV
fsr-3213	164	43	-	-	PUNCT
fsr-3213	164	44	being	being	NOUN
fsr-3213	164	45	.	.	PUNCT
fsr-3213	165	1	stress	stress	NOUN
fsr-3213	165	2	has	have	VERB
fsr-3213	165	3	two	two	NUM
fsr-3213	165	4	inter	inter	ADJ
fsr-3213	165	5	-	-	ADJ
fsr-3213	165	6	related	relate	VERB
fsr-3213	165	7	components	component	NOUN
fsr-3213	165	8	.	.	PUNCT
fsr-3213	166	1	the	the	DET
fsr-3213	166	2	stress	stress	ADJ
fsr-3213	166	3	variable	variable	ADJ
fsr-3213	166	4	attempts	attempt	NOUN
fsr-3213	166	5	to	to	PART
fsr-3213	166	6	measure	measure	VERB
fsr-3213	166	7	the	the	DET
fsr-3213	166	8	person	person	NOUN
fsr-3213	166	9	’s	’s	PART
fsr-3213	166	10	subjective	subjective	ADJ
fsr-3213	166	11	feeling	feeling	NOUN
fsr-3213	166	12	of	of	ADP
fsr-3213	166	13	stress	stress	NOUN
fsr-3213	166	14	.	.	PUNCT
fsr-3213	167	1	where	where	SCONJ
fsr-3213	167	2	financial	financial	ADJ
fsr-3213	167	3	matters	matter	NOUN
fsr-3213	167	4	are	be	AUX
fsr-3213	167	5	involved	involve	VERB
fsr-3213	167	6	,	,	PUNCT
fsr-3213	167	7	a	a	DET
fsr-3213	167	8	family	family	NOUN
fsr-3213	167	9	is	be	AUX
fsr-3213	167	10	more	more	ADV
fsr-3213	167	11	likely	likely	ADJ
fsr-3213	167	12	to	to	PART
fsr-3213	167	13	feel	feel	VERB
fsr-3213	167	14	stressed	stressed	ADJ
fsr-3213	167	15	when	when	SCONJ
fsr-3213	167	16	matters	matter	NOUN
fsr-3213	167	17	go	go	VERB
fsr-3213	167	18	badly	badly	ADV
fsr-3213	167	19	or	or	CCONJ
fsr-3213	167	20	their	their	PRON
fsr-3213	167	21	outcome	outcome	NOUN
fsr-3213	167	22	is	be	AUX
fsr-3213	167	23	uncertain	uncertain	ADJ
fsr-3213	167	24	.	.	PUNCT
fsr-3213	168	1	we	we	PRON
fsr-3213	168	2	identify	identify	VERB
fsr-3213	168	3	two	two	NUM
fsr-3213	168	4	questions	question	NOUN
fsr-3213	168	5	in	in	ADP
fsr-3213	168	6	the	the	DET
fsr-3213	168	7	survey	survey	NOUN
fsr-3213	168	8	that	that	PRON
fsr-3213	168	9	measure	measure	VERB
fsr-3213	168	10	objective	objective	ADJ
fsr-3213	168	11	financial	financial	ADJ
fsr-3213	168	12	stress	stress	NOUN
fsr-3213	168	13	:	:	PUNCT
fsr-3213	168	14	amount	amount	NOUN
fsr-3213	168	15	of	of	ADP
fsr-3213	168	16	non	non	ADJ
fsr-3213	168	17	-	-	ADJ
fsr-3213	168	18	housing	housing	ADJ
fsr-3213	168	19	debt	debt	NOUN
fsr-3213	168	20	and	and	CCONJ
fsr-3213	168	21	unemployment	unemployment	NOUN
fsr-3213	168	22	risk	risk	NOUN
fsr-3213	168	23	.	.	PUNCT
fsr-3213	169	1	joo	joo	PROPN
fsr-3213	169	2	(	(	PUNCT
fsr-3213	169	3	1998	1998	NUM
fsr-3213	169	4	)	)	PUNCT
fsr-3213	169	5	creates	create	VERB
fsr-3213	169	6	a	a	DET
fsr-3213	169	7	list	list	NOUN
fsr-3213	169	8	of	of	ADP
fsr-3213	169	9	24	24	NUM
fsr-3213	169	10	objective	objective	ADJ
fsr-3213	169	11	financial	financial	ADJ
fsr-3213	169	12	stressors	stressor	NOUN
fsr-3213	169	13	that	that	PRON
fsr-3213	169	14	are	be	AUX
fsr-3213	169	15	used	use	VERB
fsr-3213	169	16	in	in	ADP
fsr-3213	169	17	several	several	ADJ
fsr-3213	169	18	studies	study	NOUN
fsr-3213	169	19	.	.	PUNCT
fsr-3213	170	1	these	these	DET
fsr-3213	170	2	stressors	stressor	NOUN
fsr-3213	170	3	include	include	VERB
fsr-3213	170	4	events	event	NOUN
fsr-3213	170	5	such	such	ADJ
fsr-3213	170	6	as	as	ADP
fsr-3213	170	7	loss	loss	NOUN
fsr-3213	170	8	of	of	ADP
fsr-3213	170	9	a	a	DET
fsr-3213	170	10	job	job	NOUN
fsr-3213	170	11	,	,	PUNCT
fsr-3213	170	12	serious	serious	ADJ
fsr-3213	170	13	illness	illness	NOUN
fsr-3213	170	14	,	,	PUNCT
fsr-3213	170	15	divorce	divorce	NOUN
fsr-3213	170	16	,	,	PUNCT
fsr-3213	170	17	wage	wage	NOUN
fsr-3213	170	18	garnishment	garnishment	NOUN
fsr-3213	170	19	,	,	PUNCT
fsr-3213	170	20	and	and	CCONJ
fsr-3213	170	21	ability	ability	NOUN
fsr-3213	170	22	to	to	PART
fsr-3213	170	23	pay	pay	VERB
fsr-3213	170	24	off	off	ADP
fsr-3213	170	25	debt	debt	NOUN
fsr-3213	170	26	.	.	PUNCT
fsr-3213	171	1	while	while	SCONJ
fsr-3213	171	2	the	the	DET
fsr-3213	171	3	dataset	dataset	NOUN
fsr-3213	171	4	used	use	VERB
fsr-3213	171	5	in	in	ADP
fsr-3213	171	6	this	this	DET
fsr-3213	171	7	study	study	NOUN
fsr-3213	171	8	is	be	AUX
fsr-3213	171	9	not	not	PART
fsr-3213	171	10	robust	robust	ADJ
fsr-3213	171	11	enough	enough	ADV
fsr-3213	171	12	to	to	PART
fsr-3213	171	13	measure	measure	VERB
fsr-3213	171	14	all	all	DET
fsr-3213	171	15	24	24	NUM
fsr-3213	171	16	items	item	NOUN
fsr-3213	171	17	,	,	PUNCT
fsr-3213	171	18	the	the	DET
fsr-3213	171	19	two	two	NUM
fsr-3213	171	20	objective	objective	ADJ
fsr-3213	171	21	items	item	NOUN
fsr-3213	171	22	we	we	PRON
fsr-3213	171	23	include	include	VERB
fsr-3213	171	24	(	(	PUNCT
fsr-3213	171	25	debt	debt	NOUN
fsr-3213	171	26	and	and	CCONJ
fsr-3213	171	27	employment	employment	NOUN
fsr-3213	171	28	risk	risk	NOUN
fsr-3213	171	29	)	)	PUNCT
fsr-3213	171	30	are	be	AUX
fsr-3213	171	31	both	both	PRON
fsr-3213	171	32	represented	represent	VERB
fsr-3213	171	33	in	in	ADP
fsr-3213	171	34	joo	joo	PROPN
fsr-3213	171	35	’s	’s	PART
fsr-3213	171	36	original	original	ADJ
fsr-3213	171	37	study	study	NOUN
fsr-3213	171	38	(	(	PUNCT
fsr-3213	171	39	1998	1998	NUM
fsr-3213	171	40	)	)	PUNCT
fsr-3213	171	41	.	.	PUNCT
fsr-3213	172	1	our	our	PRON
fsr-3213	172	2	examination	examination	NOUN
fsr-3213	172	3	of	of	ADP
fsr-3213	172	4	the	the	DET
fsr-3213	172	5	evidence	evidence	NOUN
fsr-3213	172	6	on	on	ADP
fsr-3213	172	7	hypothesis	hypothesis	NOUN
fsr-3213	172	8	2a	2a	NUM
fsr-3213	172	9	and	and	CCONJ
fsr-3213	172	10	hypothesis	hypothesis	NOUN
fsr-3213	172	11	2b	2b	NOUN
fsr-3213	172	12	as	as	ADP
fsr-3213	172	13	null	null	ADJ
fsr-3213	172	14	hypotheses	hypothesis	NOUN
fsr-3213	172	15	seeks	seek	VERB
fsr-3213	172	16	to	to	PART
fsr-3213	172	17	determine	determine	VERB
fsr-3213	172	18	if	if	SCONJ
fsr-3213	172	19	we	we	PRON
fsr-3213	172	20	can	can	AUX
fsr-3213	172	21	reject	reject	VERB
fsr-3213	172	22	the	the	DET
fsr-3213	172	23	hypotheses	hypothesis	NOUN
fsr-3213	172	24	that	that	PRON
fsr-3213	172	25	these	these	DET
fsr-3213	172	26	variables	variable	NOUN
fsr-3213	172	27	are	be	AUX
fsr-3213	172	28	positively	positively	ADV
fsr-3213	172	29	related	relate	VERB
fsr-3213	172	30	112	112	NUM
fsr-3213	172	31	j.	j.	PROPN
fsr-3213	172	32	letkiewicz	letkiewicz	PROPN
fsr-3213	172	33	et	et	PROPN
fsr-3213	172	34	al	al	PROPN
fsr-3213	172	35	.	.	PUNCT
fsr-3213	172	36	/	/	SYM
fsr-3213	172	37	financial	financial	ADJ
fsr-3213	172	38	services	service	NOUN
fsr-3213	172	39	review	review	VERB
fsr-3213	172	40	25	25	NUM
fsr-3213	172	41	(	(	PUNCT
fsr-3213	172	42	2016	2016	NUM
fsr-3213	172	43	)	)	PUNCT
fsr-3213	172	44	105–126	105–126	NUM
fsr-3213	172	45	to	to	ADP
fsr-3213	172	46	seeking	seek	VERB
fsr-3213	172	47	help	help	NOUN
fsr-3213	172	48	or	or	CCONJ
fsr-3213	172	49	negatively	negatively	ADV
fsr-3213	172	50	related	relate	VERB
fsr-3213	172	51	to	to	ADP
fsr-3213	172	52	the	the	DET
fsr-3213	172	53	use	use	NOUN
fsr-3213	172	54	of	of	ADP
fsr-3213	172	55	a	a	DET
fsr-3213	172	56	planner	planner	NOUN
fsr-3213	172	57	.	.	PUNCT
fsr-3213	173	1	the	the	DET
fsr-3213	173	2	strongest	strong	ADJ
fsr-3213	173	3	evidence	evidence	NOUN
fsr-3213	173	4	will	will	AUX
fsr-3213	173	5	be	be	AUX
fsr-3213	173	6	rejection	rejection	NOUN
fsr-3213	173	7	or	or	CCONJ
fsr-3213	173	8	failure	failure	NOUN
fsr-3213	173	9	to	to	PART
fsr-3213	173	10	reject	reject	VERB
fsr-3213	173	11	for	for	ADP
fsr-3213	173	12	all	all	DET
fsr-3213	173	13	three	three	NUM
fsr-3213	173	14	variables	variable	NOUN
fsr-3213	173	15	,	,	PUNCT
fsr-3213	173	16	stress	stress	NOUN
fsr-3213	173	17	and	and	CCONJ
fsr-3213	173	18	the	the	DET
fsr-3213	173	19	two	two	NUM
fsr-3213	173	20	objective	objective	ADJ
fsr-3213	173	21	measures	measure	NOUN
fsr-3213	173	22	.	.	PUNCT
fsr-3213	174	1	5.4	5.4	NUM
fsr-3213	174	2	.	.	PUNCT
fsr-3213	174	3	measuring	measure	VERB
fsr-3213	174	4	financial	financial	ADJ
fsr-3213	174	5	self	self	NOUN
fsr-3213	174	6	-	-	PUNCT
fsr-3213	174	7	efficacy	efficacy	NOUN
fsr-3213	174	8	self	self	NOUN
fsr-3213	174	9	-	-	PUNCT
fsr-3213	174	10	efficacy	efficacy	NOUN
fsr-3213	174	11	is	be	AUX
fsr-3213	174	12	a	a	DET
fsr-3213	174	13	judgment	judgment	NOUN
fsr-3213	174	14	of	of	ADP
fsr-3213	174	15	capability	capability	NOUN
fsr-3213	174	16	and	and	CCONJ
fsr-3213	174	17	a	a	DET
fsr-3213	174	18	state	state	NOUN
fsr-3213	174	19	of	of	ADP
fsr-3213	174	20	mind	mind	NOUN
fsr-3213	174	21	that	that	SCONJ
fsr-3213	174	22	we	we	PRON
fsr-3213	174	23	can	can	AUX
fsr-3213	174	24	not	not	PART
fsr-3213	174	25	measure	measure	VERB
fsr-3213	174	26	directly	directly	ADV
fsr-3213	174	27	.	.	PUNCT
fsr-3213	175	1	researchers	researcher	NOUN
fsr-3213	175	2	measure	measure	VERB
fsr-3213	175	3	it	it	PRON
fsr-3213	175	4	by	by	ADP
fsr-3213	175	5	constructing	construct	VERB
fsr-3213	175	6	scales	scale	NOUN
fsr-3213	175	7	using	use	VERB
fsr-3213	175	8	survey	survey	NOUN
fsr-3213	175	9	questions	question	NOUN
fsr-3213	175	10	.	.	PUNCT
fsr-3213	176	1	schwarzer	schwarzer	PROPN
fsr-3213	176	2	and	and	CCONJ
fsr-3213	176	3	jerusalem	jerusalem	PROPN
fsr-3213	176	4	’s	’s	PART
fsr-3213	176	5	(	(	PUNCT
fsr-3213	176	6	1995	1995	NUM
fsr-3213	176	7	)	)	PUNCT
fsr-3213	176	8	10	10	NUM
fsr-3213	176	9	-	-	PUNCT
fsr-3213	176	10	item	item	NOUN
fsr-3213	176	11	general	general	ADJ
fsr-3213	176	12	self	self	NOUN
fsr-3213	176	13	-	-	PUNCT
fsr-3213	176	14	efficacy	efficacy	NOUN
fsr-3213	176	15	scale	scale	NOUN
fsr-3213	176	16	(	(	PUNCT
fsr-3213	176	17	gses	gse	NOUN
fsr-3213	176	18	)	)	PUNCT
fsr-3213	176	19	has	have	AUX
fsr-3213	176	20	been	be	AUX
fsr-3213	176	21	validated	validate	VERB
fsr-3213	176	22	in	in	ADP
fsr-3213	176	23	30	30	NUM
fsr-3213	176	24	countries	country	NOUN
fsr-3213	176	25	.	.	PUNCT
fsr-3213	177	1	the	the	DET
fsr-3213	177	2	gses	gse	NOUN
fsr-3213	177	3	is	be	AUX
fsr-3213	177	4	a	a	DET
fsr-3213	177	5	general	general	ADJ
fsr-3213	177	6	measure	measure	NOUN
fsr-3213	177	7	that	that	PRON
fsr-3213	177	8	does	do	AUX
fsr-3213	177	9	not	not	PART
fsr-3213	177	10	assess	assess	VERB
fsr-3213	177	11	specific	specific	ADJ
fsr-3213	177	12	behavior	behavior	NOUN
fsr-3213	177	13	,	,	PUNCT
fsr-3213	177	14	so	so	SCONJ
fsr-3213	177	15	consumer	consumer	NOUN
fsr-3213	177	16	economics	economic	NOUN
fsr-3213	177	17	researchers	researcher	NOUN
fsr-3213	177	18	develop	develop	VERB
fsr-3213	177	19	measures	measure	NOUN
fsr-3213	177	20	that	that	PRON
fsr-3213	177	21	relate	relate	VERB
fsr-3213	177	22	to	to	ADP
fsr-3213	177	23	personal	personal	ADJ
fsr-3213	177	24	financial	financial	ADJ
fsr-3213	177	25	behavior	behavior	NOUN
fsr-3213	177	26	.	.	PUNCT
fsr-3213	178	1	bandura	bandura	NOUN
fsr-3213	178	2	(	(	PUNCT
fsr-3213	178	3	2006	2006	NUM
fsr-3213	178	4	)	)	PUNCT
fsr-3213	178	5	provides	provide	VERB
fsr-3213	178	6	some	some	DET
fsr-3213	178	7	guidance	guidance	NOUN
fsr-3213	178	8	for	for	ADP
fsr-3213	178	9	the	the	DET
fsr-3213	178	10	development	development	NOUN
fsr-3213	178	11	of	of	ADP
fsr-3213	178	12	a	a	DET
fsr-3213	178	13	self	self	NOUN
fsr-3213	178	14	-	-	PUNCT
fsr-3213	178	15	efficacy	efficacy	NOUN
fsr-3213	178	16	scale	scale	NOUN
fsr-3213	178	17	.	.	PUNCT
fsr-3213	179	1	self	self	NOUN
fsr-3213	179	2	-	-	PUNCT
fsr-3213	179	3	efficacy	efficacy	NOUN
fsr-3213	179	4	is	be	AUX
fsr-3213	179	5	an	an	DET
fsr-3213	179	6	indication	indication	NOUN
fsr-3213	179	7	of	of	ADP
fsr-3213	179	8	perceived	perceive	VERB
fsr-3213	179	9	capability	capability	NOUN
fsr-3213	179	10	and	and	CCONJ
fsr-3213	179	11	,	,	PUNCT
fsr-3213	179	12	therefore	therefore	ADV
fsr-3213	179	13	,	,	PUNCT
fsr-3213	179	14	items	item	NOUN
fsr-3213	179	15	measuring	measure	VERB
fsr-3213	179	16	selfefficacy	selfefficacy	NOUN
fsr-3213	179	17	should	should	AUX
fsr-3213	179	18	be	be	AUX
fsr-3213	179	19	phrased	phrase	VERB
fsr-3213	179	20	in	in	ADP
fsr-3213	179	21	terms	term	NOUN
fsr-3213	179	22	of	of	ADP
fsr-3213	179	23	“	"	PUNCT
fsr-3213	179	24	can	can	AUX
fsr-3213	179	25	do	do	AUX
fsr-3213	179	26	”	"	PUNCT
fsr-3213	179	27	rather	rather	ADV
fsr-3213	179	28	than	than	SCONJ
fsr-3213	179	29	“	"	PUNCT
fsr-3213	179	30	will	will	AUX
fsr-3213	179	31	do	do	VERB
fsr-3213	179	32	.	.	PUNCT
fsr-3213	179	33	”	"	PUNCT
fsr-3213	180	1	multiple	multiple	ADJ
fsr-3213	180	2	scales	scale	NOUN
fsr-3213	180	3	have	have	AUX
fsr-3213	180	4	been	be	AUX
fsr-3213	180	5	used	use	VERB
fsr-3213	180	6	to	to	PART
fsr-3213	180	7	measure	measure	VERB
fsr-3213	180	8	financial	financial	ADJ
fsr-3213	180	9	self	self	NOUN
fsr-3213	180	10	-	-	PUNCT
fsr-3213	180	11	efficacy	efficacy	NOUN
fsr-3213	180	12	(	(	PUNCT
fsr-3213	180	13	e.g.	e.g.	ADV
fsr-3213	180	14	,	,	PUNCT
fsr-3213	180	15	dietz	dietz	PROPN
fsr-3213	180	16	et	et	PROPN
fsr-3213	180	17	al	al	PROPN
fsr-3213	180	18	.	.	PROPN
fsr-3213	180	19	,	,	PUNCT
fsr-3213	180	20	2003	2003	NUM
fsr-3213	180	21	;	;	PUNCT
fsr-3213	180	22	danes	dane	NOUN
fsr-3213	180	23	and	and	CCONJ
fsr-3213	180	24	haberman	haberman	NOUN
fsr-3213	180	25	,	,	PUNCT
fsr-3213	180	26	2007	2007	NUM
fsr-3213	180	27	;	;	PUNCT
fsr-3213	180	28	lapp	lapp	NOUN
fsr-3213	180	29	,	,	PUNCT
fsr-3213	180	30	2010	2010	NUM
fsr-3213	180	31	;	;	PUNCT
fsr-3213	180	32	lown	lown	PROPN
fsr-3213	180	33	,	,	PUNCT
fsr-3213	180	34	2011	2011	NUM
fsr-3213	180	35	)	)	PUNCT
fsr-3213	180	36	and	and	CCONJ
fsr-3213	180	37	all	all	PRON
fsr-3213	180	38	propose	propose	VERB
fsr-3213	180	39	somewhat	somewhat	ADV
fsr-3213	180	40	different	different	ADJ
fsr-3213	180	41	scales	scale	NOUN
fsr-3213	180	42	using	use	VERB
fsr-3213	180	43	somewhat	somewhat	ADV
fsr-3213	180	44	different	different	ADJ
fsr-3213	180	45	survey	survey	NOUN
fsr-3213	180	46	questions	question	NOUN
fsr-3213	180	47	.	.	PUNCT
fsr-3213	181	1	five	five	NUM
fsr-3213	181	2	questions	question	NOUN
fsr-3213	181	3	(	(	PUNCT
fsr-3213	181	4	listed	list	VERB
fsr-3213	181	5	below	below	ADV
fsr-3213	181	6	)	)	PUNCT
fsr-3213	181	7	were	be	AUX
fsr-3213	181	8	identified	identify	VERB
fsr-3213	181	9	in	in	ADP
fsr-3213	181	10	the	the	DET
fsr-3213	181	11	fpsc	fpsc	ADJ
fsr-3213	181	12	survey	survey	NOUN
fsr-3213	181	13	as	as	ADP
fsr-3213	181	14	measures	measure	NOUN
fsr-3213	181	15	of	of	ADP
fsr-3213	181	16	financial	financial	ADJ
fsr-3213	181	17	self	self	NOUN
fsr-3213	181	18	-	-	PUNCT
fsr-3213	181	19	efficacy	efficacy	NOUN
fsr-3213	181	20	.	.	PUNCT
fsr-3213	182	1	a	a	DET
fsr-3213	182	2	comparison	comparison	NOUN
fsr-3213	182	3	of	of	ADP
fsr-3213	182	4	the	the	DET
fsr-3213	182	5	fpsc	fpsc	ADJ
fsr-3213	182	6	measures	measure	NOUN
fsr-3213	182	7	and	and	CCONJ
fsr-3213	182	8	the	the	DET
fsr-3213	182	9	measures	measure	NOUN
fsr-3213	182	10	of	of	ADP
fsr-3213	182	11	the	the	DET
fsr-3213	182	12	four	four	NUM
fsr-3213	182	13	aforementioned	aforementioned	ADJ
fsr-3213	182	14	studies	study	NOUN
fsr-3213	182	15	are	be	AUX
fsr-3213	182	16	listed	list	VERB
fsr-3213	182	17	in	in	ADP
fsr-3213	182	18	table	table	NOUN
fsr-3213	182	19	1	1	NUM
fsr-3213	182	20	.	.	PUNCT
fsr-3213	183	1	all	all	PRON
fsr-3213	183	2	of	of	ADP
fsr-3213	183	3	their	their	PRON
fsr-3213	183	4	work	work	NOUN
fsr-3213	183	5	and	and	CCONJ
fsr-3213	183	6	the	the	DET
fsr-3213	183	7	measures	measure	NOUN
fsr-3213	183	8	in	in	ADP
fsr-3213	183	9	this	this	DET
fsr-3213	183	10	study	study	NOUN
fsr-3213	183	11	exhibit	exhibit	VERB
fsr-3213	183	12	more	more	ADJ
fsr-3213	183	13	similarities	similarity	NOUN
fsr-3213	183	14	than	than	ADP
fsr-3213	183	15	differences	difference	NOUN
fsr-3213	183	16	.	.	PUNCT
fsr-3213	184	1	the	the	DET
fsr-3213	184	2	survey	survey	NOUN
fsr-3213	184	3	questions	question	NOUN
fsr-3213	184	4	of	of	ADP
fsr-3213	184	5	these	these	DET
fsr-3213	184	6	four	four	NUM
fsr-3213	184	7	articles	article	NOUN
fsr-3213	184	8	map	map	VERB
fsr-3213	184	9	reasonably	reasonably	ADV
fsr-3213	184	10	well	well	ADV
fsr-3213	184	11	to	to	ADP
fsr-3213	184	12	questions	question	NOUN
fsr-3213	184	13	on	on	ADP
fsr-3213	184	14	the	the	DET
fsr-3213	184	15	fpsc	fpsc	ADJ
fsr-3213	184	16	survey	survey	NOUN
fsr-3213	184	17	.	.	PUNCT
fsr-3213	185	1	we	we	PRON
fsr-3213	185	2	place	place	VERB
fsr-3213	185	3	them	they	PRON
fsr-3213	185	4	on	on	ADP
fsr-3213	185	5	the	the	DET
fsr-3213	185	6	same	same	ADJ
fsr-3213	185	7	rows	row	NOUN
fsr-3213	185	8	when	when	SCONJ
fsr-3213	185	9	the	the	DET
fsr-3213	185	10	questions	question	NOUN
fsr-3213	185	11	are	be	AUX
fsr-3213	185	12	similar	similar	ADJ
fsr-3213	185	13	,	,	PUNCT
fsr-3213	185	14	but	but	CCONJ
fsr-3213	185	15	the	the	DET
fsr-3213	185	16	reader	reader	NOUN
fsr-3213	185	17	can	can	AUX
fsr-3213	185	18	see	see	VERB
fsr-3213	185	19	that	that	SCONJ
fsr-3213	185	20	all	all	DET
fsr-3213	185	21	the	the	DET
fsr-3213	185	22	scales	scale	NOUN
fsr-3213	185	23	are	be	AUX
fsr-3213	185	24	similar	similar	ADJ
fsr-3213	185	25	.	.	PUNCT
fsr-3213	186	1	based	base	VERB
fsr-3213	186	2	on	on	ADP
fsr-3213	186	3	the	the	DET
fsr-3213	186	4	guidance	guidance	NOUN
fsr-3213	186	5	of	of	ADP
fsr-3213	186	6	bandura	bandura	NOUN
fsr-3213	186	7	(	(	PUNCT
fsr-3213	186	8	2006	2006	NUM
fsr-3213	186	9	)	)	PUNCT
fsr-3213	186	10	and	and	CCONJ
fsr-3213	186	11	a	a	DET
fsr-3213	186	12	comparison	comparison	NOUN
fsr-3213	186	13	of	of	ADP
fsr-3213	186	14	the	the	DET
fsr-3213	186	15	similar	similar	ADJ
fsr-3213	186	16	measures	measure	NOUN
fsr-3213	186	17	in	in	ADP
fsr-3213	186	18	table	table	NOUN
fsr-3213	186	19	1	1	NUM
fsr-3213	186	20	,	,	PUNCT
fsr-3213	186	21	the	the	DET
fsr-3213	186	22	five	five	NUM
fsr-3213	186	23	questions	question	NOUN
fsr-3213	186	24	used	use	VERB
fsr-3213	186	25	to	to	PART
fsr-3213	186	26	construct	construct	VERB
fsr-3213	186	27	the	the	DET
fsr-3213	186	28	financial	financial	ADJ
fsr-3213	186	29	self	self	NOUN
fsr-3213	186	30	-	-	PUNCT
fsr-3213	186	31	efficacy	efficacy	NOUN
fsr-3213	186	32	measure	measure	NOUN
fsr-3213	186	33	are	be	AUX
fsr-3213	186	34	:	:	PUNCT
fsr-3213	186	35	y	y	NOUN
fsr-3213	186	36	i	i	PRON
fsr-3213	186	37	feel	feel	VERB
fsr-3213	186	38	that	that	SCONJ
fsr-3213	186	39	i	i	PRON
fsr-3213	186	40	am	be	AUX
fsr-3213	186	41	prepared	prepared	ADJ
fsr-3213	186	42	to	to	PART
fsr-3213	186	43	manage	manage	VERB
fsr-3213	186	44	through	through	ADP
fsr-3213	186	45	tough	tough	ADJ
fsr-3213	186	46	economic	economic	ADJ
fsr-3213	186	47	times	time	NOUN
fsr-3213	186	48	y	y	PROPN
fsr-3213	186	49	over	over	ADP
fsr-3213	186	50	the	the	DET
fsr-3213	186	51	last	last	ADJ
fsr-3213	186	52	5	5	NUM
fsr-3213	186	53	years	year	NOUN
fsr-3213	186	54	,	,	PUNCT
fsr-3213	186	55	i	i	PRON
fsr-3213	186	56	have	have	AUX
fsr-3213	186	57	improved	improve	VERB
fsr-3213	186	58	my	my	PRON
fsr-3213	186	59	ability	ability	NOUN
fsr-3213	186	60	to	to	PART
fsr-3213	186	61	save	save	VERB
fsr-3213	186	62	y	y	PROPN
fsr-3213	187	1	i	i	PRON
fsr-3213	187	2	do	do	AUX
fsr-3213	187	3	n’t	not	PART
fsr-3213	187	4	know	know	VERB
fsr-3213	187	5	what	what	PRON
fsr-3213	187	6	to	to	PART
fsr-3213	187	7	do	do	VERB
fsr-3213	187	8	to	to	PART
fsr-3213	187	9	improve	improve	VERB
fsr-3213	187	10	my	my	PRON
fsr-3213	187	11	financial	financial	ADJ
fsr-3213	187	12	situation	situation	NOUN
fsr-3213	187	13	(	(	PUNCT
fsr-3213	187	14	reverse	reverse	ADJ
fsr-3213	187	15	coded	code	VERB
fsr-3213	187	16	)	)	PUNCT
fsr-3213	188	1	y	y	NOUN
fsr-3213	188	2	i	i	PRON
fsr-3213	188	3	feel	feel	VERB
fsr-3213	188	4	prepared	prepared	ADJ
fsr-3213	188	5	in	in	ADP
fsr-3213	188	6	the	the	DET
fsr-3213	188	7	event	event	NOUN
fsr-3213	188	8	of	of	ADP
fsr-3213	188	9	an	an	DET
fsr-3213	188	10	unexpected	unexpected	ADJ
fsr-3213	188	11	financial	financial	ADJ
fsr-3213	188	12	emergency	emergency	NOUN
fsr-3213	189	1	y	y	PROPN
fsr-3213	189	2	i	i	PRON
fsr-3213	189	3	am	be	AUX
fsr-3213	189	4	on	on	ADP
fsr-3213	189	5	the	the	DET
fsr-3213	189	6	right	right	ADJ
fsr-3213	189	7	track	track	NOUN
fsr-3213	189	8	in	in	ADP
fsr-3213	189	9	terms	term	NOUN
fsr-3213	189	10	of	of	ADP
fsr-3213	189	11	financial	financial	ADJ
fsr-3213	189	12	affairs	affair	NOUN
fsr-3213	189	13	each	each	PRON
fsr-3213	189	14	of	of	ADP
fsr-3213	189	15	these	these	DET
fsr-3213	189	16	statements	statement	NOUN
fsr-3213	189	17	is	be	AUX
fsr-3213	189	18	about	about	ADP
fsr-3213	189	19	a	a	DET
fsr-3213	189	20	perceived	perceive	VERB
fsr-3213	189	21	capability	capability	NOUN
fsr-3213	189	22	.	.	PUNCT
fsr-3213	190	1	for	for	ADP
fsr-3213	190	2	example	example	NOUN
fsr-3213	190	3	,	,	PUNCT
fsr-3213	190	4	reverse	reverse	VERB
fsr-3213	190	5	coding	code	VERB
fsr-3213	190	6	“	"	PUNCT
fsr-3213	190	7	i	i	PRON
fsr-3213	190	8	do	do	AUX
fsr-3213	190	9	n’t	not	PART
fsr-3213	190	10	know	know	VERB
fsr-3213	190	11	what	what	PRON
fsr-3213	190	12	to	to	PART
fsr-3213	190	13	do	do	VERB
fsr-3213	190	14	to	to	PART
fsr-3213	190	15	improve	improve	VERB
fsr-3213	190	16	my	my	PRON
fsr-3213	190	17	financial	financial	ADJ
fsr-3213	190	18	situation	situation	NOUN
fsr-3213	190	19	”	"	PUNCT
fsr-3213	190	20	indicates	indicate	VERB
fsr-3213	190	21	that	that	SCONJ
fsr-3213	190	22	one	one	PRON
fsr-3213	190	23	knows	know	VERB
fsr-3213	190	24	how	how	SCONJ
fsr-3213	190	25	to	to	PART
fsr-3213	190	26	improve	improve	VERB
fsr-3213	190	27	their	their	PRON
fsr-3213	190	28	financial	financial	ADJ
fsr-3213	190	29	situation	situation	NOUN
fsr-3213	190	30	.	.	PUNCT
fsr-3213	191	1	responses	response	NOUN
fsr-3213	191	2	for	for	ADP
fsr-3213	191	3	all	all	DET
fsr-3213	191	4	items	item	NOUN
fsr-3213	191	5	were	be	AUX
fsr-3213	191	6	based	base	VERB
fsr-3213	191	7	on	on	ADP
fsr-3213	191	8	a	a	DET
fsr-3213	191	9	9	9	NUM
fsr-3213	191	10	-	-	PUNCT
fsr-3213	191	11	point	point	NOUN
fsr-3213	191	12	likert	likert	ADJ
fsr-3213	191	13	scale	scale	NOUN
fsr-3213	191	14	(	(	PUNCT
fsr-3213	191	15	1	1	NUM
fsr-3213	191	16	�	�	PROPN
fsr-3213	191	17	strongly	strongly	ADV
fsr-3213	191	18	disagree	disagree	VERB
fsr-3213	191	19	to	to	ADP
fsr-3213	191	20	9	9	NUM
fsr-3213	191	21	�	�	PROPN
fsr-3213	191	22	strongly	strongly	ADV
fsr-3213	191	23	agree	agree	VERB
fsr-3213	191	24	)	)	PUNCT
fsr-3213	191	25	.	.	PUNCT
fsr-3213	192	1	we	we	PRON
fsr-3213	192	2	use	use	VERB
fsr-3213	192	3	principal	principal	ADJ
fsr-3213	192	4	component	component	NOUN
fsr-3213	192	5	analysis	analysis	NOUN
fsr-3213	192	6	to	to	PART
fsr-3213	192	7	create	create	VERB
fsr-3213	192	8	a	a	DET
fsr-3213	192	9	financial	financial	ADJ
fsr-3213	192	10	self	self	NOUN
fsr-3213	192	11	-	-	PUNCT
fsr-3213	192	12	efficacy	efficacy	NOUN
fsr-3213	192	13	variable	variable	NOUN
fsr-3213	192	14	(	(	PUNCT
fsr-3213	192	15	se	se	X
fsr-3213	192	16	,	,	PUNCT
fsr-3213	192	17	henceforth	henceforth	ADV
fsr-3213	192	18	)	)	PUNCT
fsr-3213	192	19	with	with	ADP
fsr-3213	192	20	a	a	DET
fsr-3213	192	21	mean	mean	NOUN
fsr-3213	192	22	of	of	ADP
fsr-3213	192	23	zero	zero	NUM
fsr-3213	192	24	,	,	PUNCT
fsr-3213	192	25	and	and	CCONJ
fsr-3213	192	26	positive	positive	ADJ
fsr-3213	192	27	score	score	NOUN
fsr-3213	192	28	indicating	indicate	VERB
fsr-3213	192	29	a	a	DET
fsr-3213	192	30	relatively	relatively	ADV
fsr-3213	192	31	higher	high	ADJ
fsr-3213	192	32	level	level	NOUN
fsr-3213	192	33	of	of	ADP
fsr-3213	192	34	self	self	NOUN
fsr-3213	192	35	-	-	PUNCT
fsr-3213	192	36	efficacy	efficacy	NOUN
fsr-3213	192	37	.	.	PUNCT
fsr-3213	193	1	se	se	PROPN
fsr-3213	193	2	has	have	VERB
fsr-3213	193	3	a	a	DET
fsr-3213	193	4	cronbach	cronbach	NOUN
fsr-3213	193	5	’s	’s	NOUN
fsr-3213	193	6	�	�	NOUN
fsr-3213	193	7	of	of	ADP
fsr-3213	193	8	0.812	0.812	NUM
fsr-3213	193	9	,	,	PUNCT
fsr-3213	193	10	which	which	PRON
fsr-3213	193	11	indicates	indicate	VERB
fsr-3213	193	12	a	a	DET
fsr-3213	193	13	good	good	ADJ
fsr-3213	193	14	level	level	NOUN
fsr-3213	193	15	of	of	ADP
fsr-3213	193	16	internal	internal	ADJ
fsr-3213	193	17	consistency	consistency	NOUN
fsr-3213	193	18	.	.	PUNCT
fsr-3213	194	1	to	to	PART
fsr-3213	194	2	determine	determine	VERB
fsr-3213	194	3	the	the	DET
fsr-3213	194	4	measures	measure	NOUN
fsr-3213	194	5	of	of	ADP
fsr-3213	194	6	stress	stress	NOUN
fsr-3213	194	7	and	and	CCONJ
fsr-3213	194	8	se	se	X
fsr-3213	194	9	,	,	PUNCT
fsr-3213	194	10	we	we	PRON
fsr-3213	194	11	started	start	VERB
fsr-3213	194	12	with	with	ADP
fsr-3213	194	13	12	12	NUM
fsr-3213	194	14	possible	possible	ADJ
fsr-3213	194	15	statements	statement	NOUN
fsr-3213	194	16	in	in	ADP
fsr-3213	194	17	the	the	DET
fsr-3213	194	18	survey	survey	NOUN
fsr-3213	194	19	.	.	PUNCT
fsr-3213	195	1	we	we	PRON
fsr-3213	195	2	determined	determine	VERB
fsr-3213	195	3	which	which	DET
fsr-3213	195	4	statement	statement	NOUN
fsr-3213	195	5	measured	measure	VERB
fsr-3213	195	6	each	each	DET
fsr-3213	195	7	construct	construct	NOUN
fsr-3213	195	8	beginning	begin	VERB
fsr-3213	195	9	with	with	ADP
fsr-3213	195	10	a	a	DET
fsr-3213	195	11	theoretical	theoretical	ADJ
fsr-3213	195	12	basis	basis	NOUN
fsr-3213	195	13	and	and	CCONJ
fsr-3213	195	14	then	then	ADV
fsr-3213	195	15	conducted	conduct	VERB
fsr-3213	195	16	principal	principal	ADJ
fsr-3213	195	17	components	component	NOUN
fsr-3213	195	18	analysis	analysis	NOUN
fsr-3213	195	19	to	to	PART
fsr-3213	195	20	confirm	confirm	VERB
fsr-3213	195	21	the	the	DET
fsr-3213	195	22	theoretical	theoretical	ADJ
fsr-3213	195	23	basis	basis	NOUN
fsr-3213	195	24	.	.	PUNCT
fsr-3213	196	1	the	the	DET
fsr-3213	196	2	stress	stress	NOUN
fsr-3213	196	3	and	and	CCONJ
fsr-3213	196	4	se	se	X
fsr-3213	196	5	measures	measure	NOUN
fsr-3213	196	6	loaded	load	VERB
fsr-3213	196	7	into	into	ADP
fsr-3213	196	8	their	their	PRON
fsr-3213	196	9	respective	respective	ADJ
fsr-3213	196	10	classifications	classification	NOUN
fsr-3213	196	11	,	,	PUNCT
fsr-3213	196	12	confirming	confirm	VERB
fsr-3213	196	13	the	the	DET
fsr-3213	196	14	use	use	NOUN
fsr-3213	196	15	of	of	ADP
fsr-3213	196	16	each	each	DET
fsr-3213	196	17	question	question	NOUN
fsr-3213	196	18	in	in	ADP
fsr-3213	196	19	their	their	PRON
fsr-3213	196	20	respective	respective	ADJ
fsr-3213	196	21	measures	measure	NOUN
fsr-3213	196	22	.	.	PUNCT
fsr-3213	197	1	113j	113j	NOUN
fsr-3213	197	2	.	.	PUNCT
fsr-3213	198	1	letkiewicz	letkiewicz	PROPN
fsr-3213	198	2	et	et	PROPN
fsr-3213	198	3	al	al	PROPN
fsr-3213	198	4	.	.	PUNCT
fsr-3213	198	5	/	/	SYM
fsr-3213	198	6	financial	financial	ADJ
fsr-3213	198	7	services	service	NOUN
fsr-3213	198	8	review	review	VERB
fsr-3213	198	9	25	25	NUM
fsr-3213	198	10	(	(	PUNCT
fsr-3213	198	11	2016	2016	NUM
fsr-3213	198	12	)	)	PUNCT
fsr-3213	198	13	105–126	105–126	PROPN
fsr-3213	198	14	t	t	PROPN
fsr-3213	198	15	ab	ab	PROPN
fsr-3213	198	16	le	le	PROPN
fsr-3213	198	17	1	1	NUM
fsr-3213	198	18	m	m	PROPN
fsr-3213	198	19	ea	ea	NOUN
fsr-3213	198	20	su	su	PROPN
fsr-3213	198	21	re	re	ADP
fsr-3213	198	22	s	s	PROPN
fsr-3213	198	23	of	of	ADP
fsr-3213	198	24	fin	fin	NOUN
fsr-3213	198	25	an	an	DET
fsr-3213	198	26	ci	ci	NOUN
fsr-3213	198	27	al	al	PROPN
fsr-3213	198	28	se	se	PROPN
fsr-3213	198	29	lf	lf	PROPN
fsr-3213	198	30	-e	-e	PROPN
fsr-3213	198	31	ffi	ffi	PROPN
fsr-3213	198	32	ca	can	AUX
fsr-3213	198	33	cy	cy	VERB
fsr-3213	198	34	d	d	PROPN
fsr-3213	198	35	ie	ie	X
fsr-3213	198	36	tz	tz	PROPN
fsr-3213	198	37	et	et	PROPN
fsr-3213	198	38	al	al	PROPN
fsr-3213	198	39	.	.	PUNCT
fsr-3213	199	1	(	(	PUNCT
fsr-3213	199	2	2	2	NUM
fsr-3213	199	3	00	00	NUM
fsr-3213	199	4	3	3	NUM
fsr-3213	199	5	)	)	PUNCT
fsr-3213	199	6	d	d	NOUN
fsr-3213	199	7	an	an	DET
fsr-3213	199	8	es	es	X
fsr-3213	199	9	an	an	PRON
fsr-3213	199	10	d	d	NOUN
fsr-3213	199	11	h	h	NOUN
fsr-3213	200	1	ab	ab	PROPN
fsr-3213	201	1	er	er	INTJ
fsr-3213	201	2	m	m	VERB
fsr-3213	201	3	an	an	DET
fsr-3213	201	4	(	(	PUNCT
fsr-3213	201	5	2	2	NUM
fsr-3213	201	6	00	00	NUM
fsr-3213	201	7	7	7	NUM
fsr-3213	201	8	)	)	PUNCT
fsr-3213	202	1	l	l	NOUN
fsr-3213	202	2	ap	ap	PROPN
fsr-3213	203	1	p	p	X
fsr-3213	203	2	(	(	PUNCT
fsr-3213	203	3	2	2	NUM
fsr-3213	203	4	01	01	NUM
fsr-3213	203	5	0	0	NUM
fsr-3213	203	6	)	)	PUNCT
fsr-3213	203	7	l	l	NOUN
fsr-3213	203	8	ow	ow	INTJ
fsr-3213	203	9	n	n	PROPN
fsr-3213	203	10	(	(	PUNCT
fsr-3213	203	11	2	2	NUM
fsr-3213	203	12	01	01	NUM
fsr-3213	203	13	1	1	NUM
fsr-3213	203	14	)	)	PUNCT
fsr-3213	203	15	fp	fp	PROPN
fsr-3213	203	16	sc	sc	PROPN
fsr-3213	203	17	su	su	PROPN
fsr-3213	203	18	rv	rv	PROPN
fsr-3213	203	19	ey	ey	PROPN
fsr-3213	203	20	qu	qu	PROPN
fsr-3213	203	21	es	es	X
fsr-3213	203	22	tio	tio	PROPN
fsr-3213	203	23	ns	ns	INTJ
fsr-3213	204	1	i	i	PRON
fsr-3213	204	2	ha	ha	AUX
fsr-3213	204	3	ve	ve	AUX
fsr-3213	204	4	lit	light	VERB
fsr-3213	204	5	tle	tle	NOUN
fsr-3213	204	6	co	co	NOUN
fsr-3213	204	7	nt	not	PART
fsr-3213	204	8	ro	ro	PROPN
fsr-3213	205	1	l	l	VERB
fsr-3213	205	2	ov	ov	INTJ
fsr-3213	205	3	er	er	INTJ
fsr-3213	205	4	fin	fin	NOUN
fsr-3213	205	5	an	an	DET
fsr-3213	205	6	ci	ci	NOUN
fsr-3213	205	7	al	al	PROPN
fsr-3213	205	8	th	th	X
fsr-3213	205	9	in	in	ADP
fsr-3213	205	10	gs	gs	ADP
fsr-3213	205	11	th	th	X
fsr-3213	205	12	at	at	ADP
fsr-3213	205	13	ha	ha	INTJ
fsr-3213	205	14	pp	pp	ADV
fsr-3213	205	15	en	en	INTJ
fsr-3213	205	16	to	to	ADP
fsr-3213	205	17	m	m	PROPN
fsr-3213	205	18	e	e	NOUN
fsr-3213	206	1	it	it	PRON
fsr-3213	206	2	is	be	AUX
fsr-3213	206	3	ha	ha	INTJ
fsr-3213	206	4	rd	rd	PROPN
fsr-3213	206	5	to	to	ADP
fsr-3213	206	6	st	st	PROPN
fsr-3213	206	7	ic	ic	PROPN
fsr-3213	206	8	k	k	PROPN
fsr-3213	206	9	to	to	ADP
fsr-3213	206	10	m	m	PROPN
fsr-3213	206	11	y	y	PROPN
fsr-3213	206	12	sp	sp	ADP
fsr-3213	206	13	en	en	X
fsr-3213	206	14	di	di	X
fsr-3213	206	15	ng	ng	PROPN
fsr-3213	206	16	pl	pl	PROPN
fsr-3213	206	17	an	an	DET
fsr-3213	206	18	w	w	NOUN
fsr-3213	207	1	he	he	PRON
fsr-3213	207	2	n	n	CCONJ
fsr-3213	207	3	un	un	PROPN
fsr-3213	207	4	ex	ex	X
fsr-3213	207	5	pe	pe	INTJ
fsr-3213	207	6	ct	ct	NUM
fsr-3213	207	7	ed	ed	NOUN
fsr-3213	207	8	ex	ex	INTJ
fsr-3213	207	9	pe	pe	INTJ
fsr-3213	207	10	ns	ns	NUM
fsr-3213	207	11	es	es	NOUN
fsr-3213	207	12	ar	ar	NOUN
fsr-3213	207	13	is	be	AUX
fsr-3213	207	14	e	e	NOUN
fsr-3213	208	1	i	i	PRON
fsr-3213	208	2	fe	fe	X
fsr-3213	208	3	el	el	PROPN
fsr-3213	208	4	pr	pr	PROPN
fsr-3213	208	5	ep	ep	PROPN
fsr-3213	208	6	ar	ar	PROPN
fsr-3213	208	7	ed	ed	PROPN
fsr-3213	208	8	in	in	ADP
fsr-3213	208	9	th	th	NUM
fsr-3213	208	10	e	e	X
fsr-3213	208	11	ev	ev	X
fsr-3213	208	12	en	en	PROPN
fsr-3213	208	13	t	t	PROPN
fsr-3213	208	14	of	of	ADP
fsr-3213	208	15	an	an	DET
fsr-3213	208	16	un	un	PROPN
fsr-3213	208	17	ex	ex	X
fsr-3213	208	18	pe	pe	PROPN
fsr-3213	208	19	ct	ct	NOUN
fsr-3213	208	20	ed	ed	PROPN
fsr-3213	208	21	fin	fin	NOUN
fsr-3213	209	1	an	an	PRON
fsr-3213	209	2	ci	ci	NOUN
fsr-3213	209	3	al	al	PROPN
fsr-3213	210	1	em	em	PRON
fsr-3213	211	1	er	er	INTJ
fsr-3213	211	2	ge	ge	PROPN
fsr-3213	211	3	nc	nc	PROPN
fsr-3213	211	4	y	y	PROPN
fsr-3213	211	5	t	t	PROPN
fsr-3213	211	6	he	he	PRON
fsr-3213	211	7	re	re	VERB
fsr-3213	211	8	is	be	AUX
fsr-3213	211	9	lit	light	VERB
fsr-3213	211	10	tle	tle	ADJ
fsr-3213	212	1	i	i	PRON
fsr-3213	212	2	ca	can	AUX
fsr-3213	212	3	n	n	PRON
fsr-3213	212	4	do	do	VERB
fsr-3213	212	5	to	to	PART
fsr-3213	212	6	ch	ch	VERB
fsr-3213	212	7	an	an	DET
fsr-3213	212	8	ge	ge	PROPN
fsr-3213	212	9	m	m	PROPN
fsr-3213	212	10	an	an	DET
fsr-3213	212	11	y	y	PROPN
fsr-3213	212	12	of	of	ADP
fsr-3213	212	13	th	th	X
fsr-3213	212	14	e	e	PROPN
fsr-3213	213	1	i	i	PRON
fsr-3213	213	2	m	m	VERB
fsr-3213	213	3	po	po	INTJ
fsr-3213	213	4	rt	rt	PROPN
fsr-3213	213	5	an	an	DET
fsr-3213	213	6	t	t	NOUN
fsr-3213	213	7	m	m	NOUN
fsr-3213	213	8	on	on	ADP
fsr-3213	213	9	ey	ey	PROPN
fsr-3213	213	10	is	be	AUX
fsr-3213	213	11	su	su	PROPN
fsr-3213	213	12	es	es	NOUN
fsr-3213	213	13	in	in	ADP
fsr-3213	213	14	m	m	PROPN
fsr-3213	213	15	y	y	PROPN
fsr-3213	213	16	lif	lif	PROPN
fsr-3213	214	1	e	e	PROPN
fsr-3213	215	1	i	i	PRON
fsr-3213	215	2	fe	fe	X
fsr-3213	215	3	el	el	PROPN
fsr-3213	215	4	co	co	PROPN
fsr-3213	215	5	nfi	nfi	PROPN
fsr-3213	215	6	de	de	PROPN
fsr-3213	215	7	nt	nt	PROPN
fsr-3213	215	8	ab	ab	PROPN
fsr-3213	215	9	ou	ou	PROPN
fsr-3213	215	10	t	t	PROPN
fsr-3213	215	11	m	m	PROPN
fsr-3213	215	12	ak	ak	PROPN
fsr-3213	215	13	in	in	ADP
fsr-3213	215	14	g	g	PROPN
fsr-3213	215	15	de	de	X
fsr-3213	215	16	ci	ci	PROPN
fsr-3213	215	17	si	si	X
fsr-3213	216	1	on	on	ADP
fsr-3213	216	2	s	s	X
fsr-3213	216	3	th	th	X
fsr-3213	216	4	at	at	ADP
fsr-3213	216	5	de	de	PROPN
fsr-3213	216	6	al	al	PROPN
fsr-3213	216	7	w	w	PROPN
fsr-3213	216	8	ith	ith	PROPN
fsr-3213	216	9	m	m	PROPN
fsr-3213	216	10	on	on	ADP
fsr-3213	216	11	ey	ey	INTJ
fsr-3213	216	12	i	i	NOUN
fsr-3213	216	13	la	la	INTJ
fsr-3213	216	14	ck	ck	PROPN
fsr-3213	216	15	co	co	X
fsr-3213	216	16	nfi	nfi	PROPN
fsr-3213	216	17	de	de	PROPN
fsr-3213	216	18	nc	nc	PROPN
fsr-3213	216	19	e	e	PROPN
fsr-3213	216	20	in	in	ADP
fsr-3213	216	21	m	m	PROPN
fsr-3213	216	22	y	y	PROPN
fsr-3213	216	23	ab	ab	PROPN
fsr-3213	216	24	ili	ili	PROPN
fsr-3213	217	1	ty	ty	INTJ
fsr-3213	217	2	to	to	ADP
fsr-3213	217	3	m	m	PROPN
fsr-3213	217	4	an	an	DET
fsr-3213	217	5	ag	ag	PROPN
fsr-3213	217	6	e	e	PROPN
fsr-3213	217	7	m	m	PROPN
fsr-3213	217	8	y	y	PROPN
fsr-3213	217	9	fin	fin	PROPN
fsr-3213	217	10	an	an	DET
fsr-3213	217	11	ce	ce	PROPN
fsr-3213	217	12	s	s	X
fsr-3213	218	1	i	i	PRON
fsr-3213	218	2	do	do	VERB
fsr-3213	218	3	n	n	CCONJ
fsr-3213	218	4	’	'	PUNCT
fsr-3213	218	5	t	t	PROPN
fsr-3213	219	1	kn	kn	NOUN
fsr-3213	219	2	ow	ow	INTJ
fsr-3213	219	3	w	w	PROPN
fsr-3213	219	4	ha	ha	INTJ
fsr-3213	219	5	t	t	PROPN
fsr-3213	219	6	to	to	PART
fsr-3213	219	7	do	do	VERB
fsr-3213	219	8	to	to	ADP
fsr-3213	219	9	i	i	PRON
fsr-3213	219	10	m	m	VERB
fsr-3213	219	11	pr	pr	VERB
fsr-3213	219	12	ov	ov	VERB
fsr-3213	219	13	e	e	NOUN
fsr-3213	219	14	m	m	VERB
fsr-3213	219	15	y	y	PROPN
fsr-3213	219	16	fin	fin	NOUN
fsr-3213	219	17	an	an	DET
fsr-3213	219	18	ci	ci	NOUN
fsr-3213	219	19	al	al	PROPN
fsr-3213	219	20	si	si	PROPN
fsr-3213	219	21	tu	tu	PROPN
fsr-3213	219	22	at	at	ADP
fsr-3213	219	23	io	io	PROPN
fsr-3213	220	1	n	n	PRON
fsr-3213	220	2	i	i	PRON
fsr-3213	220	3	be	be	VERB
fsr-3213	220	4	lie	lie	ADJ
fsr-3213	220	5	ve	ve	VERB
fsr-3213	220	6	th	th	X
fsr-3213	220	7	e	e	X
fsr-3213	220	8	w	w	NOUN
fsr-3213	221	1	ay	ay	INTJ
fsr-3213	222	1	i	i	PRON
fsr-3213	222	2	m	m	VERB
fsr-3213	222	3	an	an	DET
fsr-3213	222	4	ag	ag	PROPN
fsr-3213	222	5	e	e	PROPN
fsr-3213	222	6	m	m	PROPN
fsr-3213	222	7	y	y	VERB
fsr-3213	222	8	m	m	VERB
fsr-3213	222	9	on	on	ADP
fsr-3213	222	10	ey	ey	PRON
fsr-3213	222	11	w	w	PROPN
fsr-3213	222	12	ill	ill	PROPN
fsr-3213	222	13	af	af	PROPN
fsr-3213	222	14	fe	fe	X
fsr-3213	223	1	ct	ct	NUM
fsr-3213	223	2	m	m	PROPN
fsr-3213	223	3	y	y	PROPN
fsr-3213	223	4	fu	fu	PROPN
fsr-3213	223	5	tu	tu	PROPN
fsr-3213	223	6	re	re	PROPN
fsr-3213	223	7	i	i	PROPN
fsr-3213	223	8	w	w	VERB
fsr-3213	223	9	as	as	ADP
fsr-3213	223	10	sa	sa	PROPN
fsr-3213	223	11	tis	tis	PROPN
fsr-3213	223	12	fie	fie	PROPN
fsr-3213	224	1	d	d	PROPN
fsr-3213	224	2	w	w	PROPN
fsr-3213	224	3	ith	ith	PROPN
fsr-3213	224	4	m	m	PROPN
fsr-3213	224	5	y	y	PROPN
fsr-3213	224	6	fin	fin	NOUN
fsr-3213	224	7	an	an	DET
fsr-3213	224	8	ci	ci	NOUN
fsr-3213	224	9	al	al	PROPN
fsr-3213	224	10	si	si	PROPN
fsr-3213	224	11	tu	tu	PROPN
fsr-3213	224	12	at	at	ADP
fsr-3213	224	13	io	io	PROPN
fsr-3213	225	1	n	n	PRON
fsr-3213	225	2	it	it	PRON
fsr-3213	225	3	is	be	AUX
fsr-3213	225	4	ch	ch	PROPN
fsr-3213	225	5	al	al	PROPN
fsr-3213	225	6	le	le	PROPN
fsr-3213	225	7	ng	ng	PROPN
fsr-3213	225	8	in	in	ADP
fsr-3213	225	9	g	g	PROPN
fsr-3213	225	10	to	to	ADP
fsr-3213	225	11	m	m	PROPN
fsr-3213	225	12	ak	ak	PROPN
fsr-3213	225	13	e	e	PROPN
fsr-3213	225	14	pr	pr	NOUN
fsr-3213	225	15	og	og	INTJ
fsr-3213	225	16	re	re	ADP
fsr-3213	225	17	ss	ss	NOUN
fsr-3213	225	18	to	to	ADP
fsr-3213	225	19	w	w	PROPN
fsr-3213	225	20	ar	ar	PROPN
fsr-3213	225	21	d	d	PROPN
fsr-3213	225	22	m	m	VERB
fsr-3213	225	23	y	y	PROPN
fsr-3213	225	24	fin	fin	NOUN
fsr-3213	225	25	an	an	DET
fsr-3213	225	26	ci	ci	PROPN
fsr-3213	225	27	al	al	PROPN
fsr-3213	225	28	go	go	VERB
fsr-3213	225	29	al	al	PROPN
fsr-3213	225	30	s	s	VERB
fsr-3213	226	1	i	i	PRON
fsr-3213	226	2	am	be	AUX
fsr-3213	226	3	on	on	ADP
fsr-3213	226	4	th	th	X
fsr-3213	226	5	e	e	X
fsr-3213	226	6	ri	ri	PROPN
fsr-3213	226	7	gh	gh	PROPN
fsr-3213	226	8	t	t	PROPN
fsr-3213	226	9	tr	tr	PROPN
fsr-3213	226	10	ac	ac	PROPN
fsr-3213	226	11	k	k	PROPN
fsr-3213	226	12	in	in	ADP
fsr-3213	226	13	te	te	PROPN
fsr-3213	226	14	rm	rm	PROPN
fsr-3213	226	15	s	s	PROPN
fsr-3213	226	16	of	of	ADP
fsr-3213	226	17	fin	fin	NOUN
fsr-3213	226	18	an	an	DET
fsr-3213	226	19	ci	ci	NOUN
fsr-3213	226	20	al	al	PROPN
fsr-3213	226	21	af	af	PROPN
fsr-3213	226	22	fa	fa	PROPN
fsr-3213	226	23	ir	ir	PROPN
fsr-3213	226	24	s	s	PROPN
fsr-3213	226	25	i	i	X
fsr-3213	226	26	w	w	PROPN
fsr-3213	226	27	as	as	SCONJ
fsr-3213	226	28	ab	ab	PROPN
fsr-3213	226	29	le	le	PROPN
fsr-3213	226	30	to	to	PART
fsr-3213	226	31	sa	sa	VERB
fsr-3213	226	32	ve	ve	PROPN
fsr-3213	226	33	m	m	PROPN
fsr-3213	226	34	on	on	ADP
fsr-3213	226	35	ey	ey	INTJ
fsr-3213	226	36	w	w	NOUN
fsr-3213	226	37	he	he	PRON
fsr-3213	226	38	n	n	CCONJ
fsr-3213	226	39	un	un	PROPN
fsr-3213	227	1	ex	ex	X
fsr-3213	228	1	pe	pe	INTJ
fsr-3213	228	2	ct	ct	NUM
fsr-3213	228	3	ed	ed	NOUN
fsr-3213	228	4	ex	ex	INTJ
fsr-3213	229	1	pe	pe	INTJ
fsr-3213	229	2	ns	ns	NOUN
fsr-3213	229	3	es	es	X
fsr-3213	229	4	oc	oc	NOUN
fsr-3213	229	5	cu	cu	NOUN
fsr-3213	229	6	r	r	NOUN
fsr-3213	230	1	i	i	PRON
fsr-3213	230	2	us	we	PRON
fsr-3213	231	1	ua	ua	INTJ
fsr-3213	231	2	lly	lly	ADV
fsr-3213	231	3	ha	ha	INTJ
fsr-3213	231	4	ve	ve	VERB
fsr-3213	231	5	to	to	ADP
fsr-3213	231	6	us	we	PRON
fsr-3213	231	7	e	e	NOUN
fsr-3213	231	8	cr	cr	NOUN
fsr-3213	232	1	ed	ed	NOUN
fsr-3213	233	1	it	it	PRON
fsr-3213	233	2	o	o	INTJ
fsr-3213	234	1	ve	ve	VERB
fsr-3213	234	2	r	r	X
fsr-3213	234	3	th	th	X
fsr-3213	234	4	e	e	X
fsr-3213	234	5	la	la	PROPN
fsr-3213	234	6	st	st	PROPN
fsr-3213	234	7	5	5	NUM
fsr-3213	234	8	ye	ye	PROPN
fsr-3213	234	9	ar	ar	PROPN
fsr-3213	234	10	s	s	PROPN
fsr-3213	234	11	,	,	PUNCT
fsr-3213	235	1	i	i	PRON
fsr-3213	235	2	ha	ha	INTJ
fsr-3213	235	3	ve	ve	VERB
fsr-3213	235	4	i	i	PRON
fsr-3213	235	5	m	m	VERB
fsr-3213	235	6	pr	pr	INTJ
fsr-3213	235	7	ov	ov	INTJ
fsr-3213	235	8	ed	ed	NOUN
fsr-3213	235	9	m	m	PROPN
fsr-3213	235	10	y	y	PROPN
fsr-3213	235	11	ab	ab	PROPN
fsr-3213	235	12	ili	ili	PROPN
fsr-3213	236	1	ty	ty	INTJ
fsr-3213	236	2	to	to	PART
fsr-3213	236	3	sa	sa	VERB
fsr-3213	236	4	ve	ve	VERB
fsr-3213	236	5	i	i	PRON
fsr-3213	236	6	of	of	ADP
fsr-3213	236	7	te	te	PROPN
fsr-3213	236	8	n	n	CCONJ
fsr-3213	236	9	fe	fe	X
fsr-3213	237	1	el	el	PROPN
fsr-3213	237	2	he	he	PRON
fsr-3213	237	3	lp	lp	VERB
fsr-3213	237	4	le	le	X
fsr-3213	237	5	ss	ss	PROPN
fsr-3213	237	6	in	in	ADP
fsr-3213	237	7	de	de	PROPN
fsr-3213	237	8	al	al	PROPN
fsr-3213	237	9	in	in	ADP
fsr-3213	237	10	g	g	PROPN
fsr-3213	237	11	w	w	PROPN
fsr-3213	237	12	ith	ith	PROPN
fsr-3213	237	13	th	th	PROPN
fsr-3213	237	14	e	e	X
fsr-3213	237	15	m	m	NOUN
fsr-3213	237	16	on	on	ADP
fsr-3213	237	17	ey	ey	PRON
fsr-3213	237	18	pr	pr	NOUN
fsr-3213	237	19	ob	ob	X
fsr-3213	237	20	le	le	X
fsr-3213	237	21	m	m	VERB
fsr-3213	237	22	s	s	PROPN
fsr-3213	237	23	of	of	ADP
fsr-3213	237	24	lif	lif	PROPN
fsr-3213	237	25	e	e	PROPN
fsr-3213	237	26	w	w	PROPN
fsr-3213	237	27	he	he	PRON
fsr-3213	237	28	n	n	CCONJ
fsr-3213	237	29	fa	fa	INTJ
fsr-3213	237	30	ce	ce	PROPN
fsr-3213	237	31	d	d	PROPN
fsr-3213	237	32	w	w	PROPN
fsr-3213	237	33	ith	ith	PROPN
fsr-3213	237	34	a	a	DET
fsr-3213	237	35	fin	fin	NOUN
fsr-3213	237	36	an	an	DET
fsr-3213	237	37	ci	ci	NOUN
fsr-3213	237	38	al	al	PROPN
fsr-3213	237	39	ch	ch	PROPN
fsr-3213	237	40	al	al	PROPN
fsr-3213	237	41	le	le	PROPN
fsr-3213	237	42	ng	ng	PROPN
fsr-3213	238	1	e	e	PROPN
fsr-3213	238	2	,	,	PUNCT
fsr-3213	238	3	i	i	PRON
fsr-3213	238	4	ha	ha	INTJ
fsr-3213	238	5	ve	ve	VERB
fsr-3213	238	6	a	a	DET
fsr-3213	238	7	ha	ha	INTJ
fsr-3213	238	8	rd	rd	PROPN
fsr-3213	238	9	tim	tim	PROPN
fsr-3213	238	10	e	e	PROPN
fsr-3213	238	11	fig	fig	NOUN
fsr-3213	238	12	ur	ur	INTJ
fsr-3213	238	13	in	in	ADP
fsr-3213	238	14	g	g	PROPN
fsr-3213	238	15	ou	ou	ADP
fsr-3213	238	16	t	t	PROPN
fsr-3213	238	17	a	a	PRON
fsr-3213	238	18	so	so	ADV
fsr-3213	238	19	lu	lu	NOUN
fsr-3213	238	20	tio	tio	NOUN
fsr-3213	239	1	n	n	INTJ
fsr-3213	240	1	i	i	PRON
fsr-3213	240	2	fe	fe	INTJ
fsr-3213	240	3	el	el	PROPN
fsr-3213	240	4	th	th	X
fsr-3213	240	5	at	at	ADP
fsr-3213	240	6	i	i	PRON
fsr-3213	240	7	am	be	AUX
fsr-3213	240	8	pr	pr	ADP
fsr-3213	240	9	ep	ep	PROPN
fsr-3213	240	10	ar	ar	PROPN
fsr-3213	240	11	ed	ed	PROPN
fsr-3213	240	12	to	to	ADP
fsr-3213	240	13	m	m	PROPN
fsr-3213	240	14	an	an	DET
fsr-3213	240	15	ag	ag	PROPN
fsr-3213	240	16	e	e	PROPN
fsr-3213	240	17	th	th	NOUN
fsr-3213	240	18	ro	ro	X
fsr-3213	240	19	ug	ug	ADP
fsr-3213	240	20	h	h	PROPN
fsr-3213	240	21	to	to	ADP
fsr-3213	240	22	ug	ug	ADP
fsr-3213	240	23	h	h	PROPN
fsr-3213	240	24	ec	ec	PROPN
fsr-3213	240	25	on	on	ADP
fsr-3213	240	26	om	om	PROPN
fsr-3213	241	1	ic	ic	PROPN
fsr-3213	241	2	tim	tim	PROPN
fsr-3213	241	3	es	es	PROPN
fsr-3213	241	4	i	i	PRON
fsr-3213	241	5	w	w	VERB
fsr-3213	241	6	as	as	ADP
fsr-3213	241	7	go	go	VERB
fsr-3213	241	8	od	od	ADV
fsr-3213	241	9	at	at	ADP
fsr-3213	241	10	pl	pl	PROPN
fsr-3213	241	11	an	an	DET
fsr-3213	241	12	ni	ni	PROPN
fsr-3213	241	13	ng	ng	PROPN
fsr-3213	242	1	fo	fo	INTJ
fsr-3213	242	2	r	r	NOUN
fsr-3213	242	3	m	m	VERB
fsr-3213	242	4	y	y	PROPN
fsr-3213	242	5	fin	fin	NOUN
fsr-3213	243	1	an	an	DET
fsr-3213	243	2	ci	ci	PROPN
fsr-3213	243	3	al	al	PROPN
fsr-3213	243	4	fu	fu	PROPN
fsr-3213	243	5	tu	tu	PROPN
fsr-3213	243	6	re	re	VERB
fsr-3213	243	7	i	i	PROPN
fsr-3213	243	8	w	w	PROPN
fsr-3213	243	9	or	or	CCONJ
fsr-3213	243	10	ry	ry	INTJ
fsr-3213	243	11	ab	ab	PROPN
fsr-3213	243	12	ou	ou	PROPN
fsr-3213	243	13	t	t	PROPN
fsr-3213	243	14	ru	ru	PROPN
fsr-3213	243	15	nn	nn	PROPN
fsr-3213	243	16	in	in	ADP
fsr-3213	243	17	g	g	PROPN
fsr-3213	243	18	ou	ou	ADP
fsr-3213	243	19	t	t	PROPN
fsr-3213	243	20	of	of	ADP
fsr-3213	243	21	m	m	PRON
fsr-3213	243	22	on	on	ADP
fsr-3213	243	23	ey	ey	PROPN
fsr-3213	243	24	in	in	ADP
fsr-3213	243	25	re	re	PART
fsr-3213	243	26	tir	tir	VERB
fsr-3213	243	27	em	em	PRON
fsr-3213	243	28	en	en	PROPN
fsr-3213	243	29	t	t	PROPN
fsr-3213	243	30	114	114	NUM
fsr-3213	243	31	j.	j.	PROPN
fsr-3213	243	32	letkiewicz	letkiewicz	PROPN
fsr-3213	243	33	et	et	PROPN
fsr-3213	243	34	al	al	PROPN
fsr-3213	243	35	.	.	PUNCT
fsr-3213	243	36	/	/	SYM
fsr-3213	243	37	financial	financial	ADJ
fsr-3213	243	38	services	service	NOUN
fsr-3213	243	39	review	review	VERB
fsr-3213	243	40	25	25	NUM
fsr-3213	243	41	(	(	PUNCT
fsr-3213	243	42	2016	2016	NUM
fsr-3213	243	43	)	)	PUNCT
fsr-3213	244	1	105–126	105–126	NUM
fsr-3213	244	2	5.5	5.5	NUM
fsr-3213	244	3	.	.	PUNCT
fsr-3213	245	1	the	the	DET
fsr-3213	245	2	dependent	dependent	ADJ
fsr-3213	245	3	variable	variable	NOUN
fsr-3213	245	4	the	the	DET
fsr-3213	245	5	survey	survey	NOUN
fsr-3213	245	6	question	question	NOUN
fsr-3213	245	7	that	that	PRON
fsr-3213	245	8	generates	generate	VERB
fsr-3213	245	9	the	the	DET
fsr-3213	245	10	dependent	dependent	ADJ
fsr-3213	245	11	variable	variable	NOUN
fsr-3213	245	12	,	,	PUNCT
fsr-3213	245	13	help	help	NOUN
fsr-3213	245	14	-	-	PUNCT
fsr-3213	245	15	seeking	seeking	NOUN
fsr-3213	245	16	,	,	PUNCT
fsr-3213	245	17	is	be	AUX
fsr-3213	245	18	:	:	PUNCT
fsr-3213	245	19	for	for	ADP
fsr-3213	245	20	which	which	PRON
fsr-3213	245	21	,	,	PUNCT
fsr-3213	245	22	if	if	SCONJ
fsr-3213	245	23	any	any	PRON
fsr-3213	245	24	,	,	PUNCT
fsr-3213	245	25	of	of	ADP
fsr-3213	245	26	the	the	DET
fsr-3213	245	27	following	follow	VERB
fsr-3213	245	28	services	service	NOUN
fsr-3213	245	29	did	do	AUX
fsr-3213	245	30	you	you	PRON
fsr-3213	245	31	obtain	obtain	VERB
fsr-3213	245	32	help	help	NOUN
fsr-3213	245	33	from	from	ADP
fsr-3213	245	34	professional	professional	ADJ
fsr-3213	245	35	financial	financial	ADJ
fsr-3213	245	36	advisor(s	advisor(s	NOUN
fsr-3213	245	37	)	)	PUNCT
fsr-3213	245	38	(	(	PUNCT
fsr-3213	245	39	includes	include	VERB
fsr-3213	245	40	financial	financial	ADJ
fsr-3213	245	41	planner	planner	NOUN
fsr-3213	245	42	,	,	PUNCT
fsr-3213	245	43	life	life	NOUN
fsr-3213	245	44	insurance	insurance	NOUN
fsr-3213	245	45	advisor	advisor	NOUN
fsr-3213	245	46	,	,	PUNCT
fsr-3213	245	47	investment	investment	NOUN
fsr-3213	245	48	advisor	advisor	NOUN
fsr-3213	245	49	,	,	PUNCT
fsr-3213	245	50	debt	debt	NOUN
fsr-3213	245	51	counselor	counselor	NOUN
fsr-3213	245	52	etc	etc	X
fsr-3213	245	53	.	.	PUNCT
fsr-3213	245	54	)	)	PUNCT
fsr-3213	245	55	to	to	PART
fsr-3213	245	56	assist	assist	VERB
fsr-3213	245	57	you	you	PRON
fsr-3213	245	58	in	in	ADP
fsr-3213	245	59	the	the	DET
fsr-3213	245	60	past	past	ADJ
fsr-3213	245	61	five	five	NUM
fsr-3213	245	62	years	year	NOUN
fsr-3213	245	63	?	?	PUNCT
fsr-3213	246	1	please	please	INTJ
fsr-3213	246	2	select	select	VERB
fsr-3213	246	3	as	as	ADV
fsr-3213	246	4	many	many	ADJ
fsr-3213	246	5	as	as	ADP
fsr-3213	246	6	apply	apply	VERB
fsr-3213	246	7	.	.	PUNCT
fsr-3213	247	1	[	[	X
fsr-3213	247	2	the	the	DET
fsr-3213	247	3	italicized	italicize	VERB
fsr-3213	247	4	text	text	NOUN
fsr-3213	247	5	was	be	AUX
fsr-3213	247	6	underlined	underline	VERB
fsr-3213	247	7	in	in	ADP
fsr-3213	247	8	the	the	DET
fsr-3213	247	9	survey	survey	NOUN
fsr-3213	247	10	instrument	instrument	NOUN
fsr-3213	247	11	.	.	PUNCT
fsr-3213	247	12	]	]	X
fsr-3213	248	1	the	the	DET
fsr-3213	248	2	first	first	ADJ
fsr-3213	248	3	answer	answer	NOUN
fsr-3213	248	4	choice	choice	NOUN
fsr-3213	248	5	is	be	AUX
fsr-3213	248	6	:	:	PUNCT
fsr-3213	248	7	i	i	PRON
fsr-3213	248	8	have	have	AUX
fsr-3213	248	9	not	not	PART
fsr-3213	248	10	obtained	obtain	VERB
fsr-3213	248	11	help	help	NOUN
fsr-3213	248	12	from	from	ADP
fsr-3213	248	13	a	a	DET
fsr-3213	248	14	financial	financial	ADJ
fsr-3213	248	15	advisor	advisor	NOUN
fsr-3213	248	16	for	for	ADP
fsr-3213	248	17	any	any	PRON
fsr-3213	248	18	of	of	ADP
fsr-3213	248	19	the	the	DET
fsr-3213	248	20	following	follow	VERB
fsr-3213	248	21	financial	financial	ADJ
fsr-3213	248	22	matters	matter	NOUN
fsr-3213	248	23	in	in	ADP
fsr-3213	248	24	the	the	DET
fsr-3213	248	25	past	past	ADJ
fsr-3213	248	26	5	5	NUM
fsr-3213	248	27	years	year	NOUN
fsr-3213	248	28	.	.	PUNCT
fsr-3213	249	1	if	if	SCONJ
fsr-3213	249	2	the	the	DET
fsr-3213	249	3	respondent	respondent	NOUN
fsr-3213	249	4	chose	choose	VERB
fsr-3213	249	5	the	the	DET
fsr-3213	249	6	first	first	ADJ
fsr-3213	249	7	answer	answer	NOUN
fsr-3213	249	8	,	,	PUNCT
fsr-3213	249	9	the	the	DET
fsr-3213	249	10	help	help	NOUN
fsr-3213	249	11	-	-	PUNCT
fsr-3213	249	12	seeking	seek	VERB
fsr-3213	249	13	variable	variable	NOUN
fsr-3213	249	14	is	be	AUX
fsr-3213	249	15	coded	code	VERB
fsr-3213	249	16	0	0	NUM
fsr-3213	249	17	.	.	PUNCT
fsr-3213	250	1	if	if	SCONJ
fsr-3213	250	2	the	the	DET
fsr-3213	250	3	respondent	respondent	NOUN
fsr-3213	250	4	chose	choose	VERB
fsr-3213	250	5	instead	instead	ADV
fsr-3213	250	6	one	one	NUM
fsr-3213	250	7	or	or	CCONJ
fsr-3213	250	8	more	more	ADJ
fsr-3213	250	9	of	of	ADP
fsr-3213	250	10	the	the	DET
fsr-3213	250	11	comprehensive	comprehensive	ADJ
fsr-3213	250	12	list	list	NOUN
fsr-3213	250	13	of	of	ADP
fsr-3213	250	14	financial	financial	ADJ
fsr-3213	250	15	advisory	advisory	ADJ
fsr-3213	250	16	activities	activity	NOUN
fsr-3213	250	17	listed	list	VERB
fsr-3213	250	18	,	,	PUNCT
fsr-3213	250	19	the	the	DET
fsr-3213	250	20	help	help	NOUN
fsr-3213	250	21	-	-	PUNCT
fsr-3213	250	22	seeking	seek	VERB
fsr-3213	250	23	variable	variable	NOUN
fsr-3213	250	24	is	be	AUX
fsr-3213	250	25	coded	code	VERB
fsr-3213	250	26	1	1	NUM
fsr-3213	250	27	.	.	PUNCT
fsr-3213	251	1	the	the	DET
fsr-3213	251	2	details	detail	NOUN
fsr-3213	251	3	of	of	ADP
fsr-3213	251	4	which	which	PRON
fsr-3213	251	5	particular	particular	ADJ
fsr-3213	251	6	services	service	NOUN
fsr-3213	251	7	a	a	DET
fsr-3213	251	8	respondent	respondent	NOUN
fsr-3213	251	9	used	use	VERB
fsr-3213	251	10	are	be	AUX
fsr-3213	251	11	beyond	beyond	ADP
fsr-3213	251	12	the	the	DET
fsr-3213	251	13	scope	scope	NOUN
fsr-3213	251	14	of	of	ADP
fsr-3213	251	15	our	our	PRON
fsr-3213	251	16	study	study	NOUN
fsr-3213	251	17	.	.	PUNCT
fsr-3213	252	1	6	6	X
fsr-3213	252	2	.	.	X
fsr-3213	252	3	method	method	NOUN
fsr-3213	252	4	we	we	PRON
fsr-3213	252	5	use	use	VERB
fsr-3213	252	6	two	two	NUM
fsr-3213	252	7	models	model	NOUN
fsr-3213	252	8	to	to	PART
fsr-3213	252	9	test	test	VERB
fsr-3213	252	10	the	the	DET
fsr-3213	252	11	hypotheses	hypothesis	NOUN
fsr-3213	252	12	proposed	propose	VERB
fsr-3213	252	13	.	.	PUNCT
fsr-3213	253	1	model	model	NOUN
fsr-3213	253	2	1	1	NUM
fsr-3213	253	3	utilizes	utilize	VERB
fsr-3213	253	4	a	a	DET
fsr-3213	253	5	logistic	logistic	ADJ
fsr-3213	253	6	regression	regression	NOUN
fsr-3213	253	7	that	that	PRON
fsr-3213	253	8	has	have	VERB
fsr-3213	253	9	the	the	DET
fsr-3213	253	10	general	general	ADJ
fsr-3213	253	11	form	form	NOUN
fsr-3213	253	12	:	:	PUNCT
fsr-3213	253	13	financial	financial	ADJ
fsr-3213	253	14	help	help	NOUN
fsr-3213	253	15	-	-	PUNCT
fsr-3213	253	16	seeking	seek	VERB
fsr-3213	253	17	�	�	PROPN
fsr-3213	253	18	f	f	PROPN
fsr-3213	253	19	�	�	PROPN
fsr-3213	253	20	objective	objective	ADJ
fsr-3213	253	21	stress	stress	NOUN
fsr-3213	253	22	,	,	PUNCT
fsr-3213	253	23	stress	stress	NOUN
fsr-3213	253	24	,	,	PUNCT
fsr-3213	253	25	se	se	X
fsr-3213	253	26	,	,	PUNCT
fsr-3213	253	27	controls	control	VERB
fsr-3213	253	28	�	�	PROPN
fsr-3213	253	29	the	the	DET
fsr-3213	253	30	dependent	dependent	ADJ
fsr-3213	253	31	variable	variable	NOUN
fsr-3213	253	32	is	be	AUX
fsr-3213	253	33	categorical	categorical	ADJ
fsr-3213	253	34	:	:	PUNCT
fsr-3213	253	35	it	it	PRON
fsr-3213	253	36	takes	take	VERB
fsr-3213	253	37	the	the	DET
fsr-3213	253	38	value	value	NOUN
fsr-3213	253	39	one	one	NOUN
fsr-3213	253	40	if	if	SCONJ
fsr-3213	253	41	help	help	NOUN
fsr-3213	253	42	was	be	AUX
fsr-3213	253	43	sought	seek	VERB
fsr-3213	253	44	in	in	ADP
fsr-3213	253	45	the	the	DET
fsr-3213	253	46	last	last	ADJ
fsr-3213	253	47	five	five	NUM
fsr-3213	253	48	years	year	NOUN
fsr-3213	253	49	,	,	PUNCT
fsr-3213	253	50	or	or	CCONJ
fsr-3213	253	51	zero	zero	NUM
fsr-3213	253	52	,	,	PUNCT
fsr-3213	253	53	if	if	SCONJ
fsr-3213	253	54	it	it	PRON
fsr-3213	253	55	was	be	AUX
fsr-3213	253	56	not	not	PART
fsr-3213	253	57	.	.	PUNCT
fsr-3213	254	1	the	the	DET
fsr-3213	254	2	relationship	relationship	NOUN
fsr-3213	254	3	between	between	ADP
fsr-3213	254	4	the	the	DET
fsr-3213	254	5	predictor	predictor	NOUN
fsr-3213	254	6	and	and	CCONJ
fsr-3213	254	7	response	response	NOUN
fsr-3213	254	8	variables	variable	NOUN
fsr-3213	254	9	is	be	AUX
fsr-3213	254	10	not	not	PART
fsr-3213	254	11	a	a	DET
fsr-3213	254	12	linear	linear	ADJ
fsr-3213	254	13	function	function	NOUN
fsr-3213	254	14	;	;	PUNCT
fsr-3213	254	15	instead	instead	ADV
fsr-3213	254	16	a	a	DET
fsr-3213	254	17	logit	logit	NOUN
fsr-3213	254	18	transformation	transformation	NOUN
fsr-3213	254	19	is	be	AUX
fsr-3213	254	20	used	use	VERB
fsr-3213	254	21	to	to	PART
fsr-3213	254	22	arrive	arrive	VERB
fsr-3213	254	23	at	at	ADP
fsr-3213	254	24	the	the	DET
fsr-3213	254	25	following	follow	VERB
fsr-3213	254	26	relationship	relationship	NOUN
fsr-3213	254	27	:	:	PUNCT
fsr-3213	254	28	logit	logit	PROPN
fsr-3213	254	29	�	�	PROPN
fsr-3213	254	30	�	�	PROPN
fsr-3213	254	31	�	�	PROPN
fsr-3213	254	32	x	x	SYM
fsr-3213	254	33	�	�	PROPN
fsr-3213	254	34	�	�	PROPN
fsr-3213	254	35	�	�	PROPN
fsr-3213	254	36	ln	ln	PROPN
fsr-3213	254	37	�	�	PROPN
fsr-3213	254	38	�	�	PROPN
fsr-3213	254	39	�	�	PROPN
fsr-3213	254	40	x	x	SYM
fsr-3213	254	41	�	�	PROPN
fsr-3213	254	42	1	1	NUM
fsr-3213	254	43	�	�	PROPN
fsr-3213	254	44	�	�	PROPN
fsr-3213	254	45	�	�	PROPN
fsr-3213	254	46	x	x	SYM
fsr-3213	254	47	�	�	PROPN
fsr-3213	254	48	�	�	PROPN
fsr-3213	254	49	�	�	PROPN
fsr-3213	254	50	�	�	PROPN
fsr-3213	254	51	�	�	PROPN
fsr-3213	254	52	�	�	PROPN
fsr-3213	254	53	1x1	1x1	NUM
fsr-3213	254	54	�	�	PROPN
fsr-3213	254	55	�	�	PROPN
fsr-3213	254	56	2x2	2x2	NUM
fsr-3213	254	57	·	·	PUNCT
fsr-3213	254	58	·	·	PUNCT
fsr-3213	254	59	·	·	PUNCT
fsr-3213	254	60	�	�	PROPN
fsr-3213	254	61	�	�	PROPN
fsr-3213	254	62	kxk	kxk	PROPN
fsr-3213	254	63	�	�	PROPN
fsr-3213	254	64	ei	ei	PROPN
fsr-3213	254	65	(	(	PUNCT
fsr-3213	254	66	1	1	X
fsr-3213	254	67	)	)	PUNCT
fsr-3213	254	68	the	the	DET
fsr-3213	254	69	full	full	ADJ
fsr-3213	254	70	sample	sample	NOUN
fsr-3213	254	71	(	(	PUNCT
fsr-3213	254	72	n	n	X
fsr-3213	254	73	�	�	PROPN
fsr-3213	254	74	14,068	14,068	NUM
fsr-3213	254	75	)	)	PUNCT
fsr-3213	254	76	is	be	AUX
fsr-3213	254	77	used	use	VERB
fsr-3213	254	78	in	in	ADP
fsr-3213	254	79	this	this	DET
fsr-3213	254	80	step	step	NOUN
fsr-3213	254	81	of	of	ADP
fsr-3213	254	82	the	the	DET
fsr-3213	254	83	analysis	analysis	NOUN
fsr-3213	254	84	.	.	PUNCT
fsr-3213	255	1	to	to	PART
fsr-3213	255	2	further	far	ADV
fsr-3213	255	3	probe	probe	VERB
fsr-3213	255	4	the	the	DET
fsr-3213	255	5	relationship	relationship	NOUN
fsr-3213	255	6	between	between	ADP
fsr-3213	255	7	financial	financial	ADJ
fsr-3213	255	8	self	self	NOUN
fsr-3213	255	9	-	-	PUNCT
fsr-3213	255	10	efficacy	efficacy	NOUN
fsr-3213	255	11	and	and	CCONJ
fsr-3213	255	12	use	use	NOUN
fsr-3213	255	13	of	of	ADP
fsr-3213	255	14	a	a	DET
fsr-3213	255	15	financial	financial	ADJ
fsr-3213	255	16	planner	planner	NOUN
fsr-3213	255	17	,	,	PUNCT
fsr-3213	255	18	we	we	PRON
fsr-3213	255	19	make	make	VERB
fsr-3213	255	20	use	use	NOUN
fsr-3213	255	21	of	of	ADP
fsr-3213	255	22	the	the	DET
fsr-3213	255	23	longitudinal	longitudinal	ADJ
fsr-3213	255	24	aspect	aspect	NOUN
fsr-3213	255	25	of	of	ADP
fsr-3213	255	26	the	the	DET
fsr-3213	255	27	survey	survey	NOUN
fsr-3213	255	28	in	in	ADP
fsr-3213	255	29	model	model	NOUN
fsr-3213	255	30	2	2	NUM
fsr-3213	255	31	.	.	PUNCT
fsr-3213	256	1	the	the	DET
fsr-3213	256	2	panelists	panelist	NOUN
fsr-3213	256	3	in	in	ADP
fsr-3213	256	4	the	the	DET
fsr-3213	256	5	sample	sample	NOUN
fsr-3213	256	6	we	we	PRON
fsr-3213	256	7	use	use	VERB
fsr-3213	256	8	completed	complete	VERB
fsr-3213	256	9	all	all	DET
fsr-3213	256	10	three	three	NUM
fsr-3213	256	11	waves	wave	NOUN
fsr-3213	256	12	of	of	ADP
fsr-3213	256	13	the	the	DET
fsr-3213	256	14	survey	survey	NOUN
fsr-3213	256	15	(	(	PUNCT
fsr-3213	256	16	n	n	X
fsr-3213	256	17	�	�	PROPN
fsr-3213	256	18	1,045	1,045	NUM
fsr-3213	256	19	)	)	PUNCT
fsr-3213	256	20	.	.	PUNCT
fsr-3213	257	1	cases	case	NOUN
fsr-3213	257	2	missing	miss	VERB
fsr-3213	257	3	key	key	ADJ
fsr-3213	257	4	variables	variable	NOUN
fsr-3213	257	5	or	or	CCONJ
fsr-3213	257	6	with	with	ADP
fsr-3213	257	7	inconsistent	inconsistent	ADJ
fsr-3213	257	8	responses	response	NOUN
fsr-3213	257	9	for	for	ADP
fsr-3213	257	10	the	the	DET
fsr-3213	257	11	financial	financial	ADJ
fsr-3213	257	12	planner	planner	NOUN
fsr-3213	257	13	use	use	NOUN
fsr-3213	257	14	variables	variable	NOUN
fsr-3213	257	15	were	be	AUX
fsr-3213	257	16	excluded	exclude	VERB
fsr-3213	257	17	from	from	ADP
fsr-3213	257	18	the	the	DET
fsr-3213	257	19	analysis	analysis	NOUN
fsr-3213	257	20	,	,	PUNCT
fsr-3213	257	21	resulting	result	VERB
fsr-3213	257	22	in	in	ADP
fsr-3213	257	23	a	a	DET
fsr-3213	257	24	sample	sample	NOUN
fsr-3213	257	25	size	size	NOUN
fsr-3213	257	26	of	of	ADP
fsr-3213	257	27	826	826	NUM
fsr-3213	257	28	total	total	ADJ
fsr-3213	257	29	observations	observation	NOUN
fsr-3213	257	30	.	.	PUNCT
fsr-3213	258	1	a	a	DET
fsr-3213	258	2	multinomial	multinomial	ADJ
fsr-3213	258	3	logit	logit	NOUN
fsr-3213	258	4	was	be	AUX
fsr-3213	258	5	conducted	conduct	VERB
fsr-3213	258	6	to	to	PART
fsr-3213	258	7	compare	compare	VERB
fsr-3213	258	8	the	the	DET
fsr-3213	258	9	changes	change	NOUN
fsr-3213	258	10	in	in	ADP
fsr-3213	258	11	self	self	NOUN
fsr-3213	258	12	-	-	PUNCT
fsr-3213	258	13	efficacy	efficacy	NOUN
fsr-3213	258	14	between	between	ADP
fsr-3213	258	15	those	those	PRON
fsr-3213	258	16	who	who	PRON
fsr-3213	258	17	reported	report	VERB
fsr-3213	258	18	adopting	adopt	VERB
fsr-3213	258	19	a	a	DET
fsr-3213	258	20	planner	planner	NOUN
fsr-3213	258	21	in	in	ADP
fsr-3213	258	22	wave	wave	NOUN
fsr-3213	258	23	2	2	NUM
fsr-3213	258	24	or	or	CCONJ
fsr-3213	258	25	wave	wave	NOUN
fsr-3213	258	26	3	3	NUM
fsr-3213	258	27	compared	compare	VERB
fsr-3213	258	28	with	with	ADP
fsr-3213	258	29	those	those	PRON
fsr-3213	258	30	who	who	PRON
fsr-3213	258	31	reported	report	VERB
fsr-3213	258	32	not	not	PART
fsr-3213	258	33	using	use	VERB
fsr-3213	258	34	a	a	DET
fsr-3213	258	35	planner	planner	NOUN
fsr-3213	258	36	in	in	ADP
fsr-3213	258	37	the	the	DET
fsr-3213	258	38	same	same	ADJ
fsr-3213	258	39	period	period	NOUN
fsr-3213	258	40	(	(	PUNCT
fsr-3213	258	41	or	or	CCONJ
fsr-3213	258	42	previous	previous	ADJ
fsr-3213	258	43	periods	period	NOUN
fsr-3213	258	44	in	in	ADP
fsr-3213	258	45	the	the	DET
fsr-3213	258	46	case	case	NOUN
fsr-3213	258	47	of	of	ADP
fsr-3213	258	48	wave	wave	NOUN
fsr-3213	258	49	3	3	NUM
fsr-3213	258	50	)	)	PUNCT
fsr-3213	258	51	.	.	PUNCT
fsr-3213	259	1	this	this	DET
fsr-3213	259	2	comparison	comparison	NOUN
fsr-3213	259	3	tests	test	VERB
fsr-3213	259	4	whether	whether	SCONJ
fsr-3213	259	5	self	self	NOUN
fsr-3213	259	6	-	-	PUNCT
fsr-3213	259	7	efficacy	efficacy	NOUN
fsr-3213	259	8	in	in	ADP
fsr-3213	259	9	a	a	DET
fsr-3213	259	10	prior	prior	ADJ
fsr-3213	259	11	period	period	NOUN
fsr-3213	259	12	is	be	AUX
fsr-3213	259	13	higher	high	ADJ
fsr-3213	259	14	for	for	ADP
fsr-3213	259	15	those	those	PRON
fsr-3213	259	16	who	who	PRON
fsr-3213	259	17	decide	decide	VERB
fsr-3213	259	18	to	to	PART
fsr-3213	259	19	seek	seek	VERB
fsr-3213	259	20	help	help	NOUN
fsr-3213	259	21	in	in	ADP
fsr-3213	259	22	a	a	DET
fsr-3213	259	23	subsequent	subsequent	ADJ
fsr-3213	259	24	period	period	NOUN
fsr-3213	259	25	when	when	SCONJ
fsr-3213	259	26	compared	compare	VERB
fsr-3213	259	27	with	with	ADP
fsr-3213	259	28	those	those	PRON
fsr-3213	259	29	who	who	PRON
fsr-3213	259	30	did	do	AUX
fsr-3213	259	31	not	not	PART
fsr-3213	259	32	use	use	VERB
fsr-3213	259	33	an	an	DET
fsr-3213	259	34	advisor	advisor	NOUN
fsr-3213	259	35	in	in	ADP
fsr-3213	259	36	either	either	DET
fsr-3213	259	37	period	period	NOUN
fsr-3213	259	38	.	.	PUNCT
fsr-3213	260	1	a	a	DET
fsr-3213	260	2	multinomial	multinomial	ADJ
fsr-3213	260	3	logistic	logistic	ADJ
fsr-3213	260	4	regression	regression	NOUN
fsr-3213	260	5	is	be	AUX
fsr-3213	260	6	a	a	DET
fsr-3213	260	7	classification	classification	NOUN
fsr-3213	260	8	method	method	NOUN
fsr-3213	260	9	that	that	PRON
fsr-3213	260	10	generalizes	generalize	VERB
fsr-3213	260	11	logistic	logistic	ADJ
fsr-3213	260	12	regression	regression	NOUN
fsr-3213	260	13	to	to	ADP
fsr-3213	260	14	multiclass	multiclass	ADJ
fsr-3213	260	15	problems	problem	NOUN
fsr-3213	260	16	,	,	PUNCT
fsr-3213	260	17	where	where	SCONJ
fsr-3213	260	18	there	there	PRON
fsr-3213	260	19	are	be	VERB
fsr-3213	260	20	more	more	ADJ
fsr-3213	260	21	than	than	ADP
fsr-3213	260	22	two	two	NUM
fsr-3213	260	23	possible	possible	ADJ
fsr-3213	260	24	discrete	discrete	ADJ
fsr-3213	260	25	outcomes	outcome	NOUN
fsr-3213	260	26	.	.	PUNCT
fsr-3213	261	1	this	this	PRON
fsr-3213	261	2	allows	allow	VERB
fsr-3213	261	3	us	we	PRON
fsr-3213	261	4	to	to	PART
fsr-3213	261	5	test	test	VERB
fsr-3213	261	6	115j	115j	PROPN
fsr-3213	261	7	.	.	PUNCT
fsr-3213	262	1	letkiewicz	letkiewicz	PROPN
fsr-3213	262	2	et	et	PROPN
fsr-3213	262	3	al	al	PROPN
fsr-3213	262	4	.	.	PUNCT
fsr-3213	262	5	/	/	SYM
fsr-3213	262	6	financial	financial	ADJ
fsr-3213	262	7	services	service	NOUN
fsr-3213	262	8	review	review	VERB
fsr-3213	262	9	25	25	NUM
fsr-3213	262	10	(	(	PUNCT
fsr-3213	262	11	2016	2016	NUM
fsr-3213	262	12	)	)	PUNCT
fsr-3213	262	13	105–126	105–126	NUM
fsr-3213	262	14	the	the	DET
fsr-3213	262	15	directional	directional	ADJ
fsr-3213	262	16	effects	effect	NOUN
fsr-3213	262	17	of	of	ADP
fsr-3213	262	18	planner	planner	NOUN
fsr-3213	262	19	use	use	NOUN
fsr-3213	262	20	(	(	PUNCT
fsr-3213	262	21	i.e.	i.e.	X
fsr-3213	262	22	,	,	PUNCT
fsr-3213	262	23	does	do	AUX
fsr-3213	262	24	se	se	ADV
fsr-3213	262	25	in	in	ADP
fsr-3213	262	26	period	period	NOUN
fsr-3213	262	27	1	1	NUM
fsr-3213	262	28	predict	predict	VERB
fsr-3213	262	29	planner	planner	NOUN
fsr-3213	262	30	use	use	NOUN
fsr-3213	262	31	in	in	ADP
fsr-3213	262	32	period	period	NOUN
fsr-3213	262	33	2	2	NUM
fsr-3213	262	34	?	?	NUM
fsr-3213	262	35	)	)	PUNCT
fsr-3213	262	36	.	.	PUNCT
fsr-3213	263	1	multinomial	multinomial	ADJ
fsr-3213	263	2	logistic	logistic	ADJ
fsr-3213	263	3	regression	regression	NOUN
fsr-3213	263	4	uses	use	VERB
fsr-3213	263	5	a	a	DET
fsr-3213	263	6	linear	linear	ADJ
fsr-3213	263	7	predictor	predictor	NOUN
fsr-3213	263	8	function	function	NOUN
fsr-3213	263	9	f(k	f(k	PROPN
fsr-3213	263	10	,	,	PUNCT
fsr-3213	263	11	i	i	NOUN
fsr-3213	263	12	)	)	PUNCT
fsr-3213	263	13	to	to	PART
fsr-3213	263	14	predict	predict	VERB
fsr-3213	263	15	the	the	DET
fsr-3213	263	16	probability	probability	NOUN
fsr-3213	263	17	that	that	SCONJ
fsr-3213	263	18	the	the	DET
fsr-3213	263	19	observation	observation	NOUN
fsr-3213	263	20	i	i	PRON
fsr-3213	263	21	has	have	AUX
fsr-3213	263	22	outcome	outcome	VERB
fsr-3213	263	23	k	k	PUNCT
fsr-3213	263	24	as	as	SCONJ
fsr-3213	263	25	modeled	model	VERB
fsr-3213	263	26	below	below	ADV
fsr-3213	263	27	:	:	PUNCT
fsr-3213	263	28	f	f	X
fsr-3213	263	29	�	�	PROPN
fsr-3213	263	30	k	k	PROPN
fsr-3213	263	31	,	,	PUNCT
fsr-3213	263	32	i	i	PRON
fsr-3213	263	33	�	�	PROPN
fsr-3213	263	34	�	�	PROPN
fsr-3213	263	35	�	�	PROPN
fsr-3213	263	36	k	k	PROPN
fsr-3213	263	37	�	�	PROPN
fsr-3213	263	38	xi	xi	PROPN
fsr-3213	263	39	(	(	PUNCT
fsr-3213	263	40	2	2	NUM
fsr-3213	263	41	)	)	PUNCT
fsr-3213	263	42	where	where	SCONJ
fsr-3213	263	43	�	�	PROPN
fsr-3213	263	44	k	k	PROPN
fsr-3213	263	45	is	be	AUX
fsr-3213	263	46	the	the	DET
fsr-3213	263	47	set	set	NOUN
fsr-3213	263	48	of	of	ADP
fsr-3213	263	49	regression	regression	NOUN
fsr-3213	263	50	coefficients	coefficient	NOUN
fsr-3213	263	51	associated	associate	VERB
fsr-3213	263	52	with	with	ADP
fsr-3213	263	53	outcome	outcome	NOUN
fsr-3213	263	54	k	k	PROPN
fsr-3213	263	55	,	,	PUNCT
fsr-3213	263	56	and	and	CCONJ
fsr-3213	263	57	xi	xi	X
fsr-3213	263	58	is	be	AUX
fsr-3213	263	59	the	the	DET
fsr-3213	263	60	set	set	NOUN
fsr-3213	263	61	of	of	ADP
fsr-3213	263	62	explanatory	explanatory	ADJ
fsr-3213	263	63	variables	variable	NOUN
fsr-3213	263	64	associated	associate	VERB
fsr-3213	263	65	with	with	ADP
fsr-3213	263	66	observation	observation	NOUN
fsr-3213	263	67	i.	i.	NOUN
fsr-3213	263	68	in	in	ADP
fsr-3213	263	69	this	this	DET
fsr-3213	263	70	analysis	analysis	NOUN
fsr-3213	263	71	we	we	PRON
fsr-3213	263	72	use	use	VERB
fsr-3213	263	73	two	two	NUM
fsr-3213	263	74	time	time	NOUN
fsr-3213	263	75	periods	period	NOUN
fsr-3213	263	76	,	,	PUNCT
fsr-3213	263	77	t	t	PROPN
fsr-3213	263	78	and	and	CCONJ
fsr-3213	263	79	t-1	t-1	PROPN
fsr-3213	263	80	,	,	PUNCT
fsr-3213	263	81	so	so	SCONJ
fsr-3213	263	82	that	that	SCONJ
fsr-3213	263	83	the	the	DET
fsr-3213	263	84	function	function	NOUN
fsr-3213	263	85	takes	take	VERB
fsr-3213	263	86	the	the	DET
fsr-3213	263	87	form	form	NOUN
fsr-3213	263	88	:	:	PUNCT
fsr-3213	263	89	f	f	X
fsr-3213	263	90	�	�	PROPN
fsr-3213	263	91	kt	kt	PROPN
fsr-3213	263	92	,	,	PUNCT
fsr-3213	263	93	it	it	PRON
fsr-3213	263	94	�	�	PROPN
fsr-3213	263	95	�	�	PROPN
fsr-3213	263	96	�	�	PROPN
fsr-3213	263	97	kt	kt	PROPN
fsr-3213	263	98	�	�	PROPN
fsr-3213	263	99	1	1	NUM
fsr-3213	263	100	�	�	PROPN
fsr-3213	263	101	xit	xit	PROPN
fsr-3213	263	102	�	�	PROPN
fsr-3213	263	103	1	1	NUM
fsr-3213	263	104	(	(	PUNCT
fsr-3213	263	105	3	3	NUM
fsr-3213	263	106	)	)	PUNCT
fsr-3213	263	107	where	where	SCONJ
fsr-3213	263	108	f(kt	f(kt	NOUN
fsr-3213	263	109	,	,	PUNCT
fsr-3213	263	110	it	it	PRON
fsr-3213	263	111	)	)	PUNCT
fsr-3213	263	112	is	be	AUX
fsr-3213	263	113	a	a	DET
fsr-3213	263	114	linear	linear	ADJ
fsr-3213	263	115	function	function	NOUN
fsr-3213	263	116	to	to	PART
fsr-3213	263	117	predict	predict	VERB
fsr-3213	263	118	the	the	DET
fsr-3213	263	119	probability	probability	NOUN
fsr-3213	263	120	that	that	SCONJ
fsr-3213	263	121	observation	observation	NOUN
fsr-3213	263	122	i	i	PRON
fsr-3213	263	123	has	have	AUX
fsr-3213	263	124	outcome	outcome	VERB
fsr-3213	263	125	k	k	X
fsr-3213	263	126	in	in	ADP
fsr-3213	263	127	time	time	NOUN
fsr-3213	263	128	period	period	NOUN
fsr-3213	263	129	t	t	PROPN
fsr-3213	263	130	;	;	PUNCT
fsr-3213	263	131	�	�	PROPN
fsr-3213	263	132	kt	kt	PROPN
fsr-3213	263	133	�	�	PROPN
fsr-3213	263	134	1	1	NUM
fsr-3213	263	135	is	be	AUX
fsr-3213	263	136	the	the	DET
fsr-3213	263	137	set	set	NOUN
fsr-3213	263	138	of	of	ADP
fsr-3213	263	139	regression	regression	NOUN
fsr-3213	263	140	coefficients	coefficient	NOUN
fsr-3213	263	141	associated	associate	VERB
fsr-3213	263	142	with	with	ADP
fsr-3213	263	143	outcome	outcome	NOUN
fsr-3213	263	144	k	k	PROPN
fsr-3213	263	145	in	in	ADP
fsr-3213	263	146	the	the	DET
fsr-3213	263	147	previous	previous	ADJ
fsr-3213	263	148	wave	wave	NOUN
fsr-3213	263	149	of	of	ADP
fsr-3213	263	150	data	datum	NOUN
fsr-3213	263	151	collection	collection	NOUN
fsr-3213	263	152	;	;	PUNCT
fsr-3213	263	153	and	and	CCONJ
fsr-3213	263	154	xit	xit	PROPN
fsr-3213	263	155	�	�	PROPN
fsr-3213	263	156	1	1	NUM
fsr-3213	263	157	is	be	AUX
fsr-3213	263	158	the	the	DET
fsr-3213	263	159	set	set	NOUN
fsr-3213	263	160	of	of	ADP
fsr-3213	263	161	explanatory	explanatory	ADJ
fsr-3213	263	162	variables	variable	NOUN
fsr-3213	263	163	associated	associate	VERB
fsr-3213	263	164	with	with	ADP
fsr-3213	263	165	observation	observation	NOUN
fsr-3213	263	166	i	i	PRON
fsr-3213	263	167	in	in	ADP
fsr-3213	263	168	the	the	PRON
fsr-3213	263	169	in	in	ADP
fsr-3213	263	170	the	the	DET
fsr-3213	263	171	previous	previous	ADJ
fsr-3213	263	172	wave	wave	NOUN
fsr-3213	263	173	of	of	ADP
fsr-3213	263	174	data	datum	NOUN
fsr-3213	263	175	collection	collection	NOUN
fsr-3213	263	176	.	.	PUNCT
fsr-3213	264	1	7	7	X
fsr-3213	264	2	.	.	X
fsr-3213	264	3	results	result	VERB
fsr-3213	264	4	7.1	7.1	NUM
fsr-3213	264	5	.	.	PUNCT
fsr-3213	265	1	descriptive	descriptive	ADJ
fsr-3213	265	2	results	result	NOUN
fsr-3213	265	3	table	table	NOUN
fsr-3213	265	4	2	2	NUM
fsr-3213	265	5	displays	display	NOUN
fsr-3213	265	6	summary	summary	NOUN
fsr-3213	265	7	statistics	statistic	NOUN
fsr-3213	265	8	describing	describe	VERB
fsr-3213	265	9	the	the	DET
fsr-3213	265	10	sample	sample	NOUN
fsr-3213	265	11	.	.	PUNCT
fsr-3213	266	1	the	the	DET
fsr-3213	266	2	sample	sample	NOUN
fsr-3213	266	3	is	be	AUX
fsr-3213	266	4	representative	representative	NOUN
fsr-3213	266	5	of	of	ADP
fsr-3213	266	6	the	the	DET
fsr-3213	266	7	canadian	canadian	ADJ
fsr-3213	266	8	population	population	NOUN
fsr-3213	266	9	in	in	ADP
fsr-3213	266	10	terms	term	NOUN
fsr-3213	266	11	of	of	ADP
fsr-3213	266	12	wealth	wealth	NOUN
fsr-3213	266	13	,	,	PUNCT
fsr-3213	266	14	income	income	NOUN
fsr-3213	266	15	,	,	PUNCT
fsr-3213	266	16	and	and	CCONJ
fsr-3213	266	17	homeownership	homeownership	NOUN
fsr-3213	266	18	.	.	PUNCT
fsr-3213	267	1	for	for	ADP
fsr-3213	267	2	example	example	NOUN
fsr-3213	267	3	,	,	PUNCT
fsr-3213	267	4	statistics	statistics	PROPN
fsr-3213	267	5	canada	canada	PROPN
fsr-3213	267	6	reports	report	VERB
fsr-3213	267	7	the	the	DET
fsr-3213	267	8	median	median	ADJ
fsr-3213	267	9	net	net	NOUN
fsr-3213	267	10	worth	worth	NOUN
fsr-3213	267	11	in	in	ADP
fsr-3213	267	12	2012	2012	NUM
fsr-3213	267	13	was	be	AUX
fsr-3213	267	14	$	$	SYM
fsr-3213	267	15	243,800	243,800	NUM
fsr-3213	267	16	(	(	PUNCT
fsr-3213	267	17	statistics	statistics	PROPN
fsr-3213	267	18	canada	canada	PROPN
fsr-3213	267	19	,	,	PUNCT
fsr-3213	267	20	2012	2012	NUM
fsr-3213	267	21	)	)	PUNCT
fsr-3213	267	22	and	and	CCONJ
fsr-3213	267	23	in	in	ADP
fsr-3213	267	24	2011	2011	NUM
fsr-3213	267	25	69	69	NUM
fsr-3213	267	26	%	%	NOUN
fsr-3213	267	27	of	of	ADP
fsr-3213	267	28	canadians	canadians	PROPN
fsr-3213	267	29	owned	own	VERB
fsr-3213	267	30	their	their	PRON
fsr-3213	267	31	homes	home	NOUN
fsr-3213	267	32	(	(	PUNCT
fsr-3213	267	33	statistics	statistics	PROPN
fsr-3213	267	34	canada	canada	PROPN
fsr-3213	267	35	,	,	PUNCT
fsr-3213	267	36	2011	2011	NUM
fsr-3213	267	37	)	)	PUNCT
fsr-3213	267	38	.	.	PUNCT
fsr-3213	268	1	the	the	DET
fsr-3213	268	2	sample	sample	NOUN
fsr-3213	268	3	in	in	ADP
fsr-3213	268	4	this	this	DET
fsr-3213	268	5	study	study	NOUN
fsr-3213	268	6	has	have	VERB
fsr-3213	268	7	median	median	ADJ
fsr-3213	268	8	net	net	ADJ
fsr-3213	268	9	worth	worth	NOUN
fsr-3213	268	10	of	of	ADP
fsr-3213	268	11	$	$	SYM
fsr-3213	268	12	269,000	269,000	NUM
fsr-3213	268	13	and	and	CCONJ
fsr-3213	268	14	a	a	DET
fsr-3213	268	15	70	70	NUM
fsr-3213	268	16	%	%	NOUN
fsr-3213	268	17	homeownership	homeownership	NOUN
fsr-3213	268	18	rate	rate	NOUN
fsr-3213	268	19	.	.	PUNCT
fsr-3213	269	1	almost	almost	ADV
fsr-3213	269	2	62	62	NUM
fsr-3213	269	3	%	%	NOUN
fsr-3213	269	4	of	of	ADP
fsr-3213	269	5	the	the	DET
fsr-3213	269	6	respondents	respondent	NOUN
fsr-3213	269	7	reported	report	VERB
fsr-3213	269	8	seeking	seek	VERB
fsr-3213	269	9	financial	financial	ADJ
fsr-3213	269	10	planning	planning	NOUN
fsr-3213	269	11	help	help	NOUN
fsr-3213	269	12	at	at	ADP
fsr-3213	269	13	some	some	DET
fsr-3213	269	14	point	point	NOUN
fsr-3213	269	15	during	during	ADP
fsr-3213	269	16	the	the	DET
fsr-3213	269	17	previous	previous	ADJ
fsr-3213	269	18	five	five	NUM
fsr-3213	269	19	years	year	NOUN
fsr-3213	269	20	.	.	PUNCT
fsr-3213	270	1	out	out	ADP
fsr-3213	270	2	of	of	ADP
fsr-3213	270	3	the	the	DET
fsr-3213	270	4	total	total	ADJ
fsr-3213	270	5	sample	sample	NOUN
fsr-3213	270	6	studied	study	VERB
fsr-3213	270	7	58	58	NUM
fsr-3213	270	8	%	%	NOUN
fsr-3213	270	9	are	be	AUX
fsr-3213	270	10	female	female	ADJ
fsr-3213	270	11	,	,	PUNCT
fsr-3213	270	12	over	over	ADP
fsr-3213	270	13	65	65	NUM
fsr-3213	270	14	%	%	NOUN
fsr-3213	270	15	are	be	AUX
fsr-3213	270	16	married	married	ADJ
fsr-3213	270	17	,	,	PUNCT
fsr-3213	270	18	and	and	CCONJ
fsr-3213	270	19	approximately	approximately	ADV
fsr-3213	270	20	90	90	NUM
fsr-3213	270	21	%	%	NOUN
fsr-3213	270	22	are	be	AUX
fsr-3213	270	23	at	at	ADV
fsr-3213	270	24	least	least	ADV
fsr-3213	270	25	30	30	NUM
fsr-3213	270	26	years	year	NOUN
fsr-3213	270	27	of	of	ADP
fsr-3213	270	28	age	age	NOUN
fsr-3213	270	29	.	.	PUNCT
fsr-3213	271	1	while	while	SCONJ
fsr-3213	271	2	approximately	approximately	ADV
fsr-3213	271	3	80	80	NUM
fsr-3213	271	4	%	%	NOUN
fsr-3213	271	5	of	of	ADP
fsr-3213	271	6	the	the	DET
fsr-3213	271	7	sample	sample	NOUN
fsr-3213	271	8	had	have	VERB
fsr-3213	271	9	some	some	DET
fsr-3213	271	10	form	form	NOUN
fsr-3213	271	11	of	of	ADP
fsr-3213	271	12	postsecondary	postsecondary	ADJ
fsr-3213	271	13	schooling	schooling	NOUN
fsr-3213	271	14	,	,	PUNCT
fsr-3213	271	15	only	only	ADV
fsr-3213	271	16	25	25	NUM
fsr-3213	271	17	%	%	NOUN
fsr-3213	271	18	of	of	ADP
fsr-3213	271	19	non	non	ADJ
fsr-3213	271	20	-	-	ADJ
fsr-3213	271	21	help	help	ADJ
fsr-3213	271	22	–	–	PUNCT
fsr-3213	271	23	seekers	seeker	NOUN
fsr-3213	271	24	finished	finish	VERB
fsr-3213	271	25	a	a	DET
fsr-3213	271	26	university	university	NOUN
fsr-3213	271	27	degree	degree	NOUN
fsr-3213	271	28	,	,	PUNCT
fsr-3213	271	29	in	in	ADP
fsr-3213	271	30	comparison	comparison	NOUN
fsr-3213	271	31	with	with	ADP
fsr-3213	271	32	40	40	NUM
fsr-3213	271	33	%	%	NOUN
fsr-3213	271	34	of	of	ADP
fsr-3213	271	35	help	help	NOUN
fsr-3213	271	36	-	-	PUNCT
fsr-3213	271	37	seekers	seeker	NOUN
fsr-3213	271	38	.	.	PUNCT
fsr-3213	272	1	over	over	ADP
fsr-3213	272	2	60	60	NUM
fsr-3213	272	3	%	%	NOUN
fsr-3213	272	4	of	of	ADP
fsr-3213	272	5	the	the	DET
fsr-3213	272	6	overall	overall	ADJ
fsr-3213	272	7	sample	sample	NOUN
fsr-3213	272	8	has	have	VERB
fsr-3213	272	9	children	child	NOUN
fsr-3213	272	10	,	,	PUNCT
fsr-3213	272	11	with	with	ADP
fsr-3213	272	12	help	help	NOUN
fsr-3213	272	13	-	-	PUNCT
fsr-3213	272	14	seekers	seeker	NOUN
fsr-3213	272	15	more	more	ADV
fsr-3213	272	16	likely	likely	ADJ
fsr-3213	272	17	to	to	PART
fsr-3213	272	18	be	be	AUX
fsr-3213	272	19	parents	parent	NOUN
fsr-3213	272	20	than	than	ADP
fsr-3213	272	21	non	non	ADJ
fsr-3213	272	22	-	-	ADJ
fsr-3213	272	23	help	help	ADJ
fsr-3213	272	24	–	–	PUNCT
fsr-3213	272	25	seekers	seeker	NOUN
fsr-3213	272	26	.	.	PUNCT
fsr-3213	273	1	we	we	PRON
fsr-3213	273	2	can	can	AUX
fsr-3213	273	3	expect	expect	VERB
fsr-3213	273	4	that	that	SCONJ
fsr-3213	273	5	having	have	VERB
fsr-3213	273	6	children	child	NOUN
fsr-3213	273	7	might	might	AUX
fsr-3213	273	8	also	also	ADV
fsr-3213	273	9	affect	affect	VERB
fsr-3213	273	10	help	help	AUX
fsr-3213	273	11	-	-	PUNCT
fsr-3213	273	12	seeking	seek	VERB
fsr-3213	273	13	tendencies	tendency	NOUN
fsr-3213	273	14	,	,	PUNCT
fsr-3213	273	15	as	as	SCONJ
fsr-3213	273	16	it	it	PRON
fsr-3213	273	17	puts	put	VERB
fsr-3213	273	18	additional	additional	ADJ
fsr-3213	273	19	financial	financial	ADJ
fsr-3213	273	20	pressure	pressure	NOUN
fsr-3213	273	21	on	on	ADP
fsr-3213	273	22	the	the	DET
fsr-3213	273	23	respondents	respondent	NOUN
fsr-3213	273	24	.	.	PUNCT
fsr-3213	274	1	owning	own	VERB
fsr-3213	274	2	a	a	DET
fsr-3213	274	3	house	house	NOUN
fsr-3213	274	4	might	might	AUX
fsr-3213	274	5	be	be	AUX
fsr-3213	274	6	another	another	DET
fsr-3213	274	7	factor	factor	NOUN
fsr-3213	274	8	affecting	affect	VERB
fsr-3213	274	9	help	help	AUX
fsr-3213	274	10	-	-	PUNCT
fsr-3213	274	11	seeking	seek	VERB
fsr-3213	274	12	as	as	ADP
fsr-3213	274	13	79	79	NUM
fsr-3213	274	14	%	%	NOUN
fsr-3213	274	15	of	of	ADP
fsr-3213	274	16	help	help	NOUN
fsr-3213	274	17	-	-	PUNCT
fsr-3213	274	18	seekers	seeker	NOUN
fsr-3213	274	19	own	own	VERB
fsr-3213	274	20	a	a	DET
fsr-3213	274	21	house	house	NOUN
fsr-3213	274	22	instead	instead	ADV
fsr-3213	274	23	of	of	ADP
fsr-3213	274	24	renting	rent	VERB
fsr-3213	274	25	it	it	PRON
fsr-3213	274	26	,	,	PUNCT
fsr-3213	274	27	while	while	SCONJ
fsr-3213	274	28	only	only	ADV
fsr-3213	274	29	56	56	NUM
fsr-3213	274	30	%	%	NOUN
fsr-3213	274	31	of	of	ADP
fsr-3213	274	32	non	non	ADJ
fsr-3213	274	33	-	-	ADJ
fsr-3213	274	34	help	help	ADJ
fsr-3213	274	35	–	–	PUNCT
fsr-3213	274	36	seekers	seeker	NOUN
fsr-3213	274	37	do	do	VERB
fsr-3213	274	38	so	so	ADV
fsr-3213	274	39	.	.	PUNCT
fsr-3213	275	1	the	the	DET
fsr-3213	275	2	amount	amount	NOUN
fsr-3213	275	3	of	of	ADP
fsr-3213	275	4	assets	asset	NOUN
fsr-3213	275	5	and	and	CCONJ
fsr-3213	275	6	debts	debt	NOUN
fsr-3213	275	7	differ	differ	VERB
fsr-3213	275	8	slightly	slightly	ADV
fsr-3213	275	9	between	between	ADP
fsr-3213	275	10	help	help	NOUN
fsr-3213	275	11	-	-	PUNCT
fsr-3213	275	12	seekers	seeker	NOUN
fsr-3213	275	13	and	and	CCONJ
fsr-3213	275	14	non	non	NOUN
fsr-3213	275	15	-	-	NOUN
fsr-3213	275	16	seekers	seeker	NOUN
fsr-3213	275	17	,	,	PUNCT
fsr-3213	275	18	with	with	ADP
fsr-3213	275	19	the	the	DET
fsr-3213	275	20	former	former	ADJ
fsr-3213	275	21	having	have	VERB
fsr-3213	275	22	a	a	DET
fsr-3213	275	23	greater	great	ADJ
fsr-3213	275	24	amount	amount	NOUN
fsr-3213	275	25	of	of	ADP
fsr-3213	275	26	both	both	PRON
fsr-3213	275	27	.	.	PUNCT
fsr-3213	276	1	assets	asset	NOUN
fsr-3213	276	2	and	and	CCONJ
fsr-3213	276	3	debt	debt	NOUN
fsr-3213	276	4	are	be	AUX
fsr-3213	276	5	right	right	ADV
fsr-3213	276	6	-	-	PUNCT
fsr-3213	276	7	skewed	skewed	ADJ
fsr-3213	276	8	.	.	PUNCT
fsr-3213	277	1	most	most	ADJ
fsr-3213	277	2	people	people	NOUN
fsr-3213	277	3	have	have	VERB
fsr-3213	277	4	assets	asset	NOUN
fsr-3213	277	5	,	,	PUNCT
fsr-3213	277	6	particularly	particularly	ADV
fsr-3213	277	7	since	since	SCONJ
fsr-3213	277	8	70	70	NUM
fsr-3213	277	9	%	%	NOUN
fsr-3213	277	10	own	own	VERB
fsr-3213	277	11	a	a	DET
fsr-3213	277	12	home	home	NOUN
fsr-3213	277	13	,	,	PUNCT
fsr-3213	277	14	but	but	CCONJ
fsr-3213	277	15	a	a	DET
fsr-3213	277	16	few	few	ADJ
fsr-3213	277	17	have	have	VERB
fsr-3213	277	18	large	large	ADJ
fsr-3213	277	19	asset	asset	NOUN
fsr-3213	277	20	holdings	holding	NOUN
fsr-3213	277	21	,	,	PUNCT
fsr-3213	277	22	with	with	ADP
fsr-3213	277	23	the	the	DET
fsr-3213	277	24	maximum	maximum	NOUN
fsr-3213	277	25	being	be	AUX
fsr-3213	277	26	$	$	SYM
fsr-3213	277	27	81.5	81.5	NUM
fsr-3213	277	28	million	million	NUM
fsr-3213	277	29	.	.	PUNCT
fsr-3213	278	1	while	while	SCONJ
fsr-3213	278	2	data	datum	NOUN
fsr-3213	278	3	on	on	ADP
fsr-3213	278	4	the	the	DET
fsr-3213	278	5	smaller	small	ADJ
fsr-3213	278	6	panel	panel	NOUN
fsr-3213	278	7	sample	sample	NOUN
fsr-3213	278	8	are	be	AUX
fsr-3213	278	9	not	not	PART
fsr-3213	278	10	shown	show	VERB
fsr-3213	278	11	,	,	PUNCT
fsr-3213	278	12	descriptive	descriptive	ADJ
fsr-3213	278	13	analysis	analysis	NOUN
fsr-3213	278	14	of	of	ADP
fsr-3213	278	15	that	that	DET
fsr-3213	278	16	sample	sample	NOUN
fsr-3213	278	17	indicates	indicate	VERB
fsr-3213	278	18	similar	similar	ADJ
fsr-3213	278	19	patterns	pattern	NOUN
fsr-3213	278	20	.	.	PUNCT
fsr-3213	279	1	table	table	NOUN
fsr-3213	279	2	2	2	NUM
fsr-3213	279	3	reports	report	VERB
fsr-3213	279	4	statistics	statistic	NOUN
fsr-3213	279	5	on	on	ADP
fsr-3213	279	6	the	the	DET
fsr-3213	279	7	cases	case	NOUN
fsr-3213	279	8	that	that	PRON
fsr-3213	279	9	have	have	VERB
fsr-3213	279	10	no	no	DET
fsr-3213	279	11	missing	miss	VERB
fsr-3213	279	12	values	value	NOUN
fsr-3213	279	13	,	,	PUNCT
fsr-3213	279	14	and	and	CCONJ
fsr-3213	279	15	we	we	PRON
fsr-3213	279	16	use	use	VERB
fsr-3213	279	17	that	that	SCONJ
fsr-3213	279	18	data	datum	NOUN
fsr-3213	279	19	set	set	VERB
fsr-3213	279	20	for	for	ADP
fsr-3213	279	21	most	most	ADJ
fsr-3213	279	22	of	of	ADP
fsr-3213	279	23	the	the	DET
fsr-3213	279	24	hypothesis	hypothesis	NOUN
fsr-3213	279	25	tests	test	NOUN
fsr-3213	279	26	.	.	PUNCT
fsr-3213	280	1	we	we	PRON
fsr-3213	280	2	examined	examine	VERB
fsr-3213	280	3	the	the	DET
fsr-3213	280	4	descriptive	descriptive	ADJ
fsr-3213	280	5	statistics	statistic	NOUN
fsr-3213	280	6	for	for	ADP
fsr-3213	280	7	the	the	DET
fsr-3213	280	8	data	datum	NOUN
fsr-3213	280	9	set	set	VERB
fsr-3213	280	10	that	that	SCONJ
fsr-3213	280	11	116	116	NUM
fsr-3213	280	12	j.	j.	PROPN
fsr-3213	280	13	letkiewicz	letkiewicz	PROPN
fsr-3213	280	14	et	et	PROPN
fsr-3213	280	15	al	al	PROPN
fsr-3213	280	16	.	.	PUNCT
fsr-3213	280	17	/	/	SYM
fsr-3213	280	18	financial	financial	ADJ
fsr-3213	280	19	services	service	NOUN
fsr-3213	280	20	review	review	VERB
fsr-3213	280	21	25	25	NUM
fsr-3213	280	22	(	(	PUNCT
fsr-3213	280	23	2016	2016	NUM
fsr-3213	280	24	)	)	PUNCT
fsr-3213	280	25	105–126	105–126	NUM
fsr-3213	280	26	includes	include	VERB
fsr-3213	280	27	the	the	DET
fsr-3213	280	28	709	709	NUM
fsr-3213	280	29	cases	case	NOUN
fsr-3213	280	30	with	with	ADP
fsr-3213	280	31	missing	miss	VERB
fsr-3213	280	32	values	value	NOUN
fsr-3213	280	33	,	,	PUNCT
fsr-3213	280	34	and	and	CCONJ
fsr-3213	280	35	also	also	ADV
fsr-3213	280	36	the	the	DET
fsr-3213	280	37	correlation	correlation	NOUN
fsr-3213	280	38	matrix	matrix	NOUN
fsr-3213	280	39	of	of	ADP
fsr-3213	280	40	all	all	DET
fsr-3213	280	41	the	the	DET
fsr-3213	280	42	variables	variable	NOUN
fsr-3213	280	43	.	.	PUNCT
fsr-3213	281	1	there	there	PRON
fsr-3213	281	2	is	be	VERB
fsr-3213	281	3	no	no	DET
fsr-3213	281	4	significant	significant	ADJ
fsr-3213	281	5	difference	difference	NOUN
fsr-3213	281	6	between	between	ADP
fsr-3213	281	7	the	the	DET
fsr-3213	281	8	two	two	NUM
fsr-3213	281	9	data	data	NOUN
fsr-3213	281	10	sets	set	NOUN
fsr-3213	281	11	.	.	PUNCT
fsr-3213	282	1	table	table	NOUN
fsr-3213	282	2	3	3	NUM
fsr-3213	282	3	shows	show	VERB
fsr-3213	282	4	the	the	DET
fsr-3213	282	5	statistics	statistic	NOUN
fsr-3213	282	6	on	on	ADP
fsr-3213	282	7	the	the	DET
fsr-3213	282	8	components	component	NOUN
fsr-3213	282	9	and	and	CCONJ
fsr-3213	282	10	total	total	ADJ
fsr-3213	282	11	scores	score	NOUN
fsr-3213	282	12	for	for	ADP
fsr-3213	282	13	the	the	DET
fsr-3213	282	14	two	two	NUM
fsr-3213	282	15	behavioral	behavioral	ADJ
fsr-3213	282	16	variables	variable	NOUN
fsr-3213	282	17	we	we	PRON
fsr-3213	282	18	create	create	VERB
fsr-3213	282	19	from	from	ADP
fsr-3213	282	20	the	the	DET
fsr-3213	282	21	survey	survey	NOUN
fsr-3213	282	22	:	:	PUNCT
fsr-3213	282	23	stress	stress	NOUN
fsr-3213	282	24	and	and	CCONJ
fsr-3213	282	25	financial	financial	ADJ
fsr-3213	282	26	self	self	NOUN
fsr-3213	282	27	-	-	PUNCT
fsr-3213	282	28	efficacy	efficacy	NOUN
fsr-3213	282	29	(	(	PUNCT
fsr-3213	282	30	se	se	ADJ
fsr-3213	282	31	)	)	PUNCT
fsr-3213	282	32	.	.	PUNCT
fsr-3213	283	1	help	help	VERB
fsr-3213	283	2	seekers	seeker	NOUN
fsr-3213	283	3	have	have	VERB
fsr-3213	283	4	higher	high	ADJ
fsr-3213	283	5	levels	level	NOUN
fsr-3213	283	6	of	of	ADP
fsr-3213	283	7	financial	financial	ADJ
fsr-3213	283	8	se	se	PROPN
fsr-3213	283	9	but	but	CCONJ
fsr-3213	283	10	lower	low	ADJ
fsr-3213	283	11	levels	level	NOUN
fsr-3213	283	12	of	of	ADP
fsr-3213	283	13	stress	stress	NOUN
fsr-3213	283	14	compared	compare	VERB
fsr-3213	283	15	with	with	ADP
fsr-3213	283	16	those	those	PRON
fsr-3213	283	17	who	who	PRON
fsr-3213	283	18	have	have	AUX
fsr-3213	283	19	not	not	PART
fsr-3213	283	20	sought	seek	VERB
fsr-3213	283	21	help	help	NOUN
fsr-3213	283	22	and	and	CCONJ
fsr-3213	283	23	the	the	DET
fsr-3213	283	24	differences	difference	NOUN
fsr-3213	283	25	are	be	AUX
fsr-3213	283	26	statistically	statistically	ADV
fsr-3213	283	27	significant	significant	ADJ
fsr-3213	283	28	.	.	PUNCT
fsr-3213	284	1	7.2	7.2	NUM
fsr-3213	284	2	.	.	PUNCT
fsr-3213	285	1	logistic	logistic	ADJ
fsr-3213	285	2	regression	regression	NOUN
fsr-3213	285	3	results	result	NOUN
fsr-3213	285	4	table	table	NOUN
fsr-3213	285	5	4	4	NUM
fsr-3213	285	6	shows	show	VERB
fsr-3213	285	7	the	the	DET
fsr-3213	285	8	results	result	NOUN
fsr-3213	285	9	of	of	ADP
fsr-3213	285	10	the	the	DET
fsr-3213	285	11	logistic	logistic	ADJ
fsr-3213	285	12	regressions	regression	NOUN
fsr-3213	285	13	in	in	ADP
fsr-3213	285	14	model	model	NOUN
fsr-3213	285	15	1	1	NUM
fsr-3213	285	16	testing	testing	NOUN
fsr-3213	285	17	correlation	correlation	NOUN
fsr-3213	285	18	with	with	ADP
fsr-3213	285	19	use	use	NOUN
fsr-3213	285	20	of	of	ADP
fsr-3213	285	21	a	a	DET
fsr-3213	285	22	financial	financial	ADJ
fsr-3213	285	23	planner	planner	NOUN
fsr-3213	285	24	(	(	PUNCT
fsr-3213	285	25	hypothesis	hypothesis	NOUN
fsr-3213	285	26	1	1	NUM
fsr-3213	285	27	,	,	PUNCT
fsr-3213	285	28	hypothesis	hypothesis	NOUN
fsr-3213	285	29	2a	2a	NUM
fsr-3213	285	30	,	,	PUNCT
fsr-3213	285	31	and	and	CCONJ
fsr-3213	285	32	hypothesis	hypothesis	NOUN
fsr-3213	285	33	2b	2b	NOUN
fsr-3213	285	34	)	)	PUNCT
fsr-3213	285	35	.	.	PUNCT
fsr-3213	286	1	the	the	DET
fsr-3213	286	2	measures	measure	NOUN
fsr-3213	286	3	of	of	ADP
fsr-3213	286	4	stress	stress	NOUN
fsr-3213	286	5	and	and	CCONJ
fsr-3213	286	6	se	se	X
fsr-3213	286	7	are	be	AUX
fsr-3213	286	8	highly	highly	ADV
fsr-3213	286	9	correlated	correlate	VERB
fsr-3213	286	10	(	(	PUNCT
fsr-3213	286	11	�	�	NOUN
fsr-3213	286	12	0.705	0.705	NUM
fsr-3213	286	13	)	)	PUNCT
fsr-3213	286	14	,	,	PUNCT
fsr-3213	286	15	and	and	CCONJ
fsr-3213	286	16	while	while	SCONJ
fsr-3213	286	17	the	the	DET
fsr-3213	286	18	large	large	ADJ
fsr-3213	286	19	sample	sample	NOUN
fsr-3213	286	20	size	size	NOUN
fsr-3213	286	21	can	can	AUX
fsr-3213	286	22	alleviate	alleviate	VERB
fsr-3213	286	23	table	table	NOUN
fsr-3213	286	24	2	2	NUM
fsr-3213	286	25	descriptive	descriptive	ADJ
fsr-3213	286	26	statistics	statistic	NOUN
fsr-3213	286	27	variable	variable	ADJ
fsr-3213	286	28	full	full	ADJ
fsr-3213	286	29	sample	sample	NOUN
fsr-3213	286	30	help	help	NOUN
fsr-3213	286	31	-	-	PUNCT
fsr-3213	286	32	seeker	seeker	NOUN
fsr-3213	286	33	non	non	ADJ
fsr-3213	286	34	-	-	ADJ
fsr-3213	286	35	help	help	ADJ
fsr-3213	286	36	–	–	PUNCT
fsr-3213	286	37	seeker	seeker	NOUN
fsr-3213	286	38	n	n	PROPN
fsr-3213	286	39	�	�	PROPN
fsr-3213	286	40	14,068	14,068	NUM
fsr-3213	286	41	n	n	PRON
fsr-3213	286	42	�	�	PROPN
fsr-3213	286	43	8,669	8,669	NUM
fsr-3213	286	44	(	(	PUNCT
fsr-3213	286	45	62	62	NUM
fsr-3213	286	46	%	%	NOUN
fsr-3213	286	47	)	)	PUNCT
fsr-3213	286	48	n	n	CCONJ
fsr-3213	286	49	�	�	PROPN
fsr-3213	286	50	5,399	5,399	NUM
fsr-3213	286	51	(	(	PUNCT
fsr-3213	286	52	38	38	NUM
fsr-3213	286	53	%	%	NOUN
fsr-3213	286	54	)	)	PUNCT
fsr-3213	286	55	n	n	CCONJ
fsr-3213	286	56	percentage	percentage	NOUN
fsr-3213	286	57	n	n	PRON
fsr-3213	286	58	percentage	percentage	NOUN
fsr-3213	286	59	n	n	PRON
fsr-3213	286	60	percentage	percentage	NOUN
fsr-3213	286	61	gender	gender	NOUN
fsr-3213	286	62	female	female	NOUN
fsr-3213	286	63	*	*	NOUN
fsr-3213	286	64	8,191	8,191	NUM
fsr-3213	286	65	58.2	58.2	NUM
fsr-3213	286	66	%	%	NOUN
fsr-3213	286	67	4,949	4,949	NUM
fsr-3213	286	68	57.1	57.1	NUM
fsr-3213	286	69	%	%	NOUN
fsr-3213	286	70	3,242	3,242	NUM
fsr-3213	286	71	60.0	60.0	NUM
fsr-3213	286	72	%	%	NOUN
fsr-3213	286	73	male	male	NOUN
fsr-3213	286	74	*	*	NOUN
fsr-3213	286	75	5,877	5,877	NUM
fsr-3213	286	76	41.8	41.8	NUM
fsr-3213	286	77	%	%	NOUN
fsr-3213	286	78	3,720	3,720	NUM
fsr-3213	286	79	42.9	42.9	NUM
fsr-3213	286	80	%	%	NOUN
fsr-3213	286	81	2,157	2,157	NUM
fsr-3213	286	82	40.0	40.0	NUM
fsr-3213	286	83	%	%	NOUN
fsr-3213	286	84	age	age	NOUN
fsr-3213	286	85	18–29	18–29	NUM
fsr-3213	286	86	*	*	SYM
fsr-3213	286	87	1,584	1,584	NUM
fsr-3213	286	88	11.3	11.3	NUM
fsr-3213	286	89	%	%	NOUN
fsr-3213	286	90	795	795	NUM
fsr-3213	286	91	9.2	9.2	NUM
fsr-3213	286	92	%	%	NOUN
fsr-3213	286	93	789	789	NUM
fsr-3213	286	94	14.6	14.6	NUM
fsr-3213	286	95	%	%	NOUN
fsr-3213	286	96	30–49	30–49	NUM
fsr-3213	286	97	*	*	NOUN
fsr-3213	286	98	5,641	5,641	NUM
fsr-3213	286	99	40.1	40.1	NUM
fsr-3213	286	100	%	%	NOUN
fsr-3213	286	101	3,329	3,329	NUM
fsr-3213	286	102	38.4	38.4	NUM
fsr-3213	286	103	%	%	NOUN
fsr-3213	286	104	2,312	2,312	NUM
fsr-3213	286	105	42.8	42.8	NUM
fsr-3213	286	106	%	%	NOUN
fsr-3213	286	107	50–64	50–64	NUM
fsr-3213	286	108	*	*	SYM
fsr-3213	286	109	5,089	5,089	NUM
fsr-3213	286	110	36.2	36.2	NUM
fsr-3213	286	111	%	%	NOUN
fsr-3213	286	112	3,388	3,388	NUM
fsr-3213	286	113	39.1	39.1	NUM
fsr-3213	286	114	%	%	NOUN
fsr-3213	286	115	1,701	1,701	NUM
fsr-3213	286	116	31.5	31.5	NUM
fsr-3213	286	117	%	%	NOUN
fsr-3213	286	118	65	65	NUM
fsr-3213	286	119	or	or	CCONJ
fsr-3213	286	120	older	old	ADJ
fsr-3213	286	121	*	*	PUNCT
fsr-3213	286	122	1,754	1,754	NUM
fsr-3213	286	123	12.5	12.5	NUM
fsr-3213	286	124	%	%	NOUN
fsr-3213	286	125	1,157	1,157	NUM
fsr-3213	286	126	13.3	13.3	NUM
fsr-3213	286	127	%	%	NOUN
fsr-3213	286	128	597	597	NUM
fsr-3213	286	129	11.1	11.1	NUM
fsr-3213	286	130	%	%	NOUN
fsr-3213	286	131	marital	marital	ADJ
fsr-3213	286	132	status	status	NOUN
fsr-3213	286	133	married	marry	VERB
fsr-3213	286	134	*	*	PUNCT
fsr-3213	286	135	9,240	9,240	NUM
fsr-3213	286	136	65.7	65.7	NUM
fsr-3213	286	137	%	%	NOUN
fsr-3213	286	138	5,989	5,989	NUM
fsr-3213	286	139	69.1	69.1	NUM
fsr-3213	286	140	%	%	NOUN
fsr-3213	286	141	3,251	3,251	NUM
fsr-3213	286	142	60.2	60.2	NUM
fsr-3213	286	143	%	%	NOUN
fsr-3213	286	144	not	not	PART
fsr-3213	286	145	married	married	ADJ
fsr-3213	286	146	*	*	PUNCT
fsr-3213	286	147	4,828	4,828	NUM
fsr-3213	286	148	34.3	34.3	NUM
fsr-3213	286	149	%	%	NOUN
fsr-3213	286	150	2,680	2,680	NUM
fsr-3213	286	151	30.9	30.9	NUM
fsr-3213	286	152	%	%	NOUN
fsr-3213	286	153	2,148	2,148	NUM
fsr-3213	286	154	39.8	39.8	NUM
fsr-3213	286	155	%	%	NOUN
fsr-3213	286	156	education	education	NOUN
fsr-3213	286	157	did	do	AUX
fsr-3213	286	158	not	not	PART
fsr-3213	286	159	go	go	VERB
fsr-3213	286	160	to	to	ADP
fsr-3213	286	161	college	college	NOUN
fsr-3213	286	162	*	*	PROPN
fsr-3213	286	163	3,017	3,017	NUM
fsr-3213	286	164	21.4	21.4	NUM
fsr-3213	286	165	%	%	NOUN
fsr-3213	286	166	1,449	1,449	NUM
fsr-3213	286	167	16.7	16.7	NUM
fsr-3213	286	168	%	%	NOUN
fsr-3213	286	169	1,568	1,568	NUM
fsr-3213	286	170	29.0	29.0	NUM
fsr-3213	286	171	%	%	NOUN
fsr-3213	286	172	college	college	NOUN
fsr-3213	286	173	degree	degree	NOUN
fsr-3213	286	174	/	/	SYM
fsr-3213	286	175	some	some	DET
fsr-3213	286	176	college	college	NOUN
fsr-3213	287	1	*	*	PUNCT
fsr-3213	287	2	6,141	6,141	NUM
fsr-3213	287	3	43.7	43.7	NUM
fsr-3213	287	4	%	%	NOUN
fsr-3213	287	5	3,696	3,696	NUM
fsr-3213	287	6	42.6	42.6	NUM
fsr-3213	287	7	%	%	NOUN
fsr-3213	287	8	2,445	2,445	NUM
fsr-3213	287	9	45.3	45.3	NUM
fsr-3213	287	10	%	%	NOUN
fsr-3213	287	11	university	university	NOUN
fsr-3213	287	12	degree	degree	NOUN
fsr-3213	287	13	*	*	NOUN
fsr-3213	287	14	4,817	4,817	NUM
fsr-3213	287	15	34.2	34.2	NUM
fsr-3213	287	16	%	%	NOUN
fsr-3213	287	17	3,477	3,477	NUM
fsr-3213	287	18	40.1	40.1	NUM
fsr-3213	287	19	%	%	NOUN
fsr-3213	287	20	1,340	1,340	NUM
fsr-3213	287	21	24.8	24.8	NUM
fsr-3213	287	22	%	%	NOUN
fsr-3213	287	23	employment	employment	NOUN
fsr-3213	287	24	status	status	NOUN
fsr-3213	287	25	unemployed	unemploye	VERB
fsr-3213	287	26	*	*	PUNCT
fsr-3213	287	27	909	909	NUM
fsr-3213	287	28	6.5	6.5	NUM
fsr-3213	287	29	%	%	NOUN
fsr-3213	287	30	406	406	NUM
fsr-3213	287	31	4.7	4.7	NUM
fsr-3213	287	32	%	%	NOUN
fsr-3213	287	33	503	503	NUM
fsr-3213	287	34	9.3	9.3	NUM
fsr-3213	287	35	%	%	NOUN
fsr-3213	287	36	employed	employ	VERB
fsr-3213	287	37	*	*	NUM
fsr-3213	287	38	8,663	8,663	NUM
fsr-3213	287	39	61.6	61.6	NUM
fsr-3213	287	40	%	%	NOUN
fsr-3213	287	41	5,509	5,509	NUM
fsr-3213	287	42	63.5	63.5	NUM
fsr-3213	287	43	%	%	NOUN
fsr-3213	287	44	3,154	3,154	NUM
fsr-3213	287	45	58.4	58.4	NUM
fsr-3213	287	46	%	%	NOUN
fsr-3213	287	47	retired	retire	VERB
fsr-3213	287	48	*	*	PROPN
fsr-3213	287	49	3,250	3,250	NUM
fsr-3213	287	50	23.1	23.1	NUM
fsr-3213	287	51	%	%	NOUN
fsr-3213	287	52	2,198	2,198	NUM
fsr-3213	287	53	25.4	25.4	NUM
fsr-3213	287	54	%	%	NOUN
fsr-3213	287	55	1,052	1,052	NUM
fsr-3213	287	56	19.5	19.5	NUM
fsr-3213	287	57	%	%	NOUN
fsr-3213	287	58	have	have	VERB
fsr-3213	287	59	children	child	NOUN
fsr-3213	287	60	*	*	PUNCT
fsr-3213	288	1	9,621	9,621	NUM
fsr-3213	288	2	68.4	68.4	NUM
fsr-3213	288	3	%	%	NOUN
fsr-3213	288	4	6,148	6,148	NUM
fsr-3213	288	5	70.9	70.9	NUM
fsr-3213	288	6	%	%	NOUN
fsr-3213	288	7	3,473	3,473	NUM
fsr-3213	288	8	64.3	64.3	NUM
fsr-3213	288	9	%	%	NOUN
fsr-3213	288	10	own	own	ADJ
fsr-3213	288	11	a	a	DET
fsr-3213	288	12	house	house	NOUN
fsr-3213	288	13	*	*	PUNCT
fsr-3213	288	14	9,857	9,857	NUM
fsr-3213	288	15	70.1	70.1	NUM
fsr-3213	288	16	%	%	NOUN
fsr-3213	288	17	6,833	6,833	NUM
fsr-3213	288	18	78.8	78.8	NUM
fsr-3213	288	19	%	%	NOUN
fsr-3213	288	20	3,024	3,024	NUM
fsr-3213	288	21	56.0	56.0	NUM
fsr-3213	288	22	%	%	NOUN
fsr-3213	288	23	plan	plan	NOUN
fsr-3213	288	24	to	to	PART
fsr-3213	288	25	retire	retire	VERB
fsr-3213	288	26	in	in	ADP
fsr-3213	288	27	the	the	DET
fsr-3213	288	28	next	next	ADJ
fsr-3213	288	29	five	five	NUM
fsr-3213	288	30	years	year	NOUN
fsr-3213	288	31	*	*	NOUN
fsr-3213	288	32	2,095	2,095	NUM
fsr-3213	288	33	14.9	14.9	NUM
fsr-3213	288	34	%	%	NOUN
fsr-3213	288	35	1,501	1,501	NUM
fsr-3213	288	36	17.3	17.3	NUM
fsr-3213	288	37	%	%	NOUN
fsr-3213	288	38	594	594	NUM
fsr-3213	288	39	11.0	11.0	NUM
fsr-3213	288	40	%	%	NOUN
fsr-3213	288	41	unemployment	unemployment	NOUN
fsr-3213	288	42	risk	risk	NOUN
fsr-3213	288	43	*	*	NOUN
fsr-3213	288	44	1,715	1,715	NUM
fsr-3213	288	45	12.2	12.2	NUM
fsr-3213	288	46	%	%	NOUN
fsr-3213	288	47	1,070	1,070	NUM
fsr-3213	288	48	12.3	12.3	NUM
fsr-3213	288	49	%	%	NOUN
fsr-3213	288	50	645	645	NUM
fsr-3213	288	51	11.9	11.9	NUM
fsr-3213	288	52	%	%	NOUN
fsr-3213	288	53	income	income	NOUN
fsr-3213	288	54	less	less	ADJ
fsr-3213	288	55	than	than	ADP
fsr-3213	288	56	$	$	SYM
fsr-3213	288	57	50,000	50,000	NUM
fsr-3213	288	58	*	*	NUM
fsr-3213	288	59	4,589	4,589	NUM
fsr-3213	288	60	32.6	32.6	NUM
fsr-3213	288	61	%	%	NOUN
fsr-3213	288	62	2,156	2,156	NUM
fsr-3213	288	63	24.9	24.9	NUM
fsr-3213	288	64	%	%	NOUN
fsr-3213	288	65	2,433	2,433	NUM
fsr-3213	288	66	45.1	45.1	NUM
fsr-3213	288	67	%	%	NOUN
fsr-3213	288	68	between	between	ADP
fsr-3213	288	69	$	$	SYM
fsr-3213	288	70	50k	50k	NUM
fsr-3213	288	71	to	to	ADP
fsr-3213	288	72	$	$	SYM
fsr-3213	288	73	100k	100k	NUM
fsr-3213	288	74	*	*	NUM
fsr-3213	288	75	5,026	5,026	NUM
fsr-3213	288	76	35.7	35.7	NUM
fsr-3213	288	77	%	%	NOUN
fsr-3213	288	78	3,346	3,346	NUM
fsr-3213	288	79	38.6	38.6	NUM
fsr-3213	288	80	%	%	NOUN
fsr-3213	288	81	1,683	1,683	NUM
fsr-3213	288	82	31.2	31.2	NUM
fsr-3213	288	83	%	%	NOUN
fsr-3213	288	84	above	above	ADP
fsr-3213	288	85	$	$	SYM
fsr-3213	288	86	100,000	100,000	NUM
fsr-3213	288	87	*	*	SYM
fsr-3213	288	88	3,655	3,655	NUM
fsr-3213	288	89	26.0	26.0	NUM
fsr-3213	288	90	%	%	NOUN
fsr-3213	288	91	2,759	2,759	NUM
fsr-3213	288	92	31.8	31.8	NUM
fsr-3213	288	93	%	%	NOUN
fsr-3213	288	94	896	896	NUM
fsr-3213	288	95	16.6	16.6	NUM
fsr-3213	288	96	%	%	NOUN
fsr-3213	288	97	mean	mean	NOUN
fsr-3213	289	1	median	median	NOUN
fsr-3213	289	2	mean	mean	NOUN
fsr-3213	289	3	median	median	NOUN
fsr-3213	289	4	mean	mean	NOUN
fsr-3213	289	5	median	median	ADJ
fsr-3213	289	6	assets	asset	NOUN
fsr-3213	289	7	*	*	PUNCT
fsr-3213	289	8	$	$	SYM
fsr-3213	289	9	551,878	551,878	NUM
fsr-3213	289	10	$	$	SYM
fsr-3213	289	11	269,000	269,000	NUM
fsr-3213	289	12	$	$	SYM
fsr-3213	289	13	634,454	634,454	NUM
fsr-3213	289	14	$	$	SYM
fsr-3213	289	15	370,000	370,000	NUM
fsr-3213	289	16	$	$	SYM
fsr-3213	289	17	419,304	419,304	NUM
fsr-3213	289	18	$	$	SYM
fsr-3213	289	19	100,000	100,000	NUM
fsr-3213	289	20	non	non	ADJ
fsr-3213	289	21	-	-	ADJ
fsr-3213	289	22	housing	housing	ADJ
fsr-3213	289	23	debt	debt	NOUN
fsr-3213	289	24	*	*	PUNCT
fsr-3213	289	25	$	$	SYM
fsr-3213	289	26	37,793	37,793	NUM
fsr-3213	289	27	$	$	SYM
fsr-3213	289	28	5,000	5,000	NUM
fsr-3213	289	29	$	$	SYM
fsr-3213	289	30	38,831	38,831	NUM
fsr-3213	289	31	$	$	SYM
fsr-3213	289	32	6,000	6,000	NUM
fsr-3213	289	33	$	$	SYM
fsr-3213	289	34	28,260	28,260	NUM
fsr-3213	289	35	$	$	SYM
fsr-3213	289	36	5,000	5,000	NUM
fsr-3213	289	37	*	*	PUNCT
fsr-3213	289	38	indicates	indicate	VERB
fsr-3213	289	39	significance	significance	NOUN
fsr-3213	289	40	difference	difference	NOUN
fsr-3213	289	41	between	between	ADP
fsr-3213	289	42	help	help	NOUN
fsr-3213	289	43	-	-	PUNCT
fsr-3213	289	44	seekers	seeker	NOUN
fsr-3213	289	45	and	and	CCONJ
fsr-3213	289	46	non	non	ADJ
fsr-3213	289	47	-	-	ADJ
fsr-3213	289	48	help	help	ADJ
fsr-3213	289	49	–	–	PUNCT
fsr-3213	289	50	seekers	seeker	NOUN
fsr-3213	289	51	(	(	PUNCT
fsr-3213	289	52	p	p	X
fsr-3213	289	53	�	�	PROPN
fsr-3213	289	54	.05	.05	NUM
fsr-3213	289	55	)	)	PUNCT
fsr-3213	289	56	;	;	PUNCT
fsr-3213	289	57	t	t	NOUN
fsr-3213	289	58	tests	test	NOUN
fsr-3213	289	59	for	for	ADP
fsr-3213	289	60	continuous	continuous	ADJ
fsr-3213	289	61	variables	variable	NOUN
fsr-3213	289	62	and	and	CCONJ
fsr-3213	289	63	pearson	pearson	PROPN
fsr-3213	289	64	’s	’s	PART
fsr-3213	289	65	�	�	PROPN
fsr-3213	289	66	2	2	NUM
fsr-3213	289	67	for	for	ADP
fsr-3213	289	68	categorical	categorical	ADJ
fsr-3213	289	69	variables	variable	NOUN
fsr-3213	289	70	.	.	PUNCT
fsr-3213	290	1	117j	117j	NUM
fsr-3213	290	2	.	.	PUNCT
fsr-3213	291	1	letkiewicz	letkiewicz	PROPN
fsr-3213	291	2	et	et	PROPN
fsr-3213	291	3	al	al	PROPN
fsr-3213	291	4	.	.	PUNCT
fsr-3213	291	5	/	/	SYM
fsr-3213	291	6	financial	financial	ADJ
fsr-3213	291	7	services	service	NOUN
fsr-3213	291	8	review	review	VERB
fsr-3213	291	9	25	25	NUM
fsr-3213	291	10	(	(	PUNCT
fsr-3213	291	11	2016	2016	NUM
fsr-3213	291	12	)	)	PUNCT
fsr-3213	291	13	105–126	105–126	NUM
fsr-3213	291	14	some	some	PRON
fsr-3213	291	15	of	of	ADP
fsr-3213	291	16	the	the	DET
fsr-3213	291	17	problems	problem	NOUN
fsr-3213	291	18	associated	associate	VERB
fsr-3213	291	19	with	with	ADP
fsr-3213	291	20	multicollinearity	multicollinearity	NOUN
fsr-3213	291	21	,	,	PUNCT
fsr-3213	291	22	we	we	PRON
fsr-3213	291	23	enter	enter	VERB
fsr-3213	291	24	them	they	PRON
fsr-3213	291	25	into	into	ADP
fsr-3213	291	26	the	the	DET
fsr-3213	291	27	model	model	NOUN
fsr-3213	291	28	separately	separately	ADV
fsr-3213	291	29	to	to	PART
fsr-3213	291	30	test	test	VERB
fsr-3213	291	31	the	the	DET
fsr-3213	291	32	effect	effect	NOUN
fsr-3213	291	33	of	of	ADP
fsr-3213	291	34	each	each	PRON
fsr-3213	291	35	on	on	ADP
fsr-3213	291	36	the	the	DET
fsr-3213	291	37	dependent	dependent	ADJ
fsr-3213	291	38	variable	variable	NOUN
fsr-3213	291	39	.	.	PUNCT
fsr-3213	292	1	therefore	therefore	ADV
fsr-3213	292	2	,	,	PUNCT
fsr-3213	292	3	this	this	DET
fsr-3213	292	4	step	step	NOUN
fsr-3213	292	5	is	be	AUX
fsr-3213	292	6	performed	perform	VERB
fsr-3213	292	7	in	in	ADP
fsr-3213	292	8	two	two	NUM
fsr-3213	292	9	stages	stage	NOUN
fsr-3213	292	10	.	.	PUNCT
fsr-3213	293	1	model	model	PROPN
fsr-3213	293	2	1a	1a	PROPN
fsr-3213	293	3	regresses	regress	VERB
fsr-3213	293	4	everything	everything	PRON
fsr-3213	293	5	but	but	CCONJ
fsr-3213	293	6	se	se	X
fsr-3213	293	7	on	on	ADP
fsr-3213	293	8	the	the	DET
fsr-3213	293	9	help	help	NOUN
fsr-3213	293	10	-	-	PUNCT
fsr-3213	293	11	seeking	seek	VERB
fsr-3213	293	12	variable	variable	NOUN
fsr-3213	293	13	and	and	CCONJ
fsr-3213	293	14	model	model	PROPN
fsr-3213	293	15	1b	1b	PROPN
fsr-3213	293	16	regresses	regress	VERB
fsr-3213	293	17	everything	everything	PRON
fsr-3213	293	18	but	but	SCONJ
fsr-3213	293	19	stress	stress	NOUN
fsr-3213	293	20	on	on	ADP
fsr-3213	293	21	the	the	DET
fsr-3213	293	22	help	help	NOUN
fsr-3213	293	23	-	-	PUNCT
fsr-3213	293	24	seeking	seek	VERB
fsr-3213	293	25	variable	variable	NOUN
fsr-3213	293	26	.	.	PUNCT
fsr-3213	294	1	the	the	DET
fsr-3213	294	2	second	second	ADJ
fsr-3213	294	3	column	column	NOUN
fsr-3213	294	4	of	of	ADP
fsr-3213	294	5	the	the	DET
fsr-3213	294	6	table	table	NOUN
fsr-3213	294	7	shows	show	VERB
fsr-3213	294	8	the	the	DET
fsr-3213	294	9	expected	expect	VERB
fsr-3213	294	10	sign	sign	NOUN
fsr-3213	294	11	,	,	PUNCT
fsr-3213	294	12	if	if	SCONJ
fsr-3213	294	13	any	any	PRON
fsr-3213	294	14	,	,	PUNCT
fsr-3213	294	15	and	and	CCONJ
fsr-3213	294	16	whether	whether	SCONJ
fsr-3213	294	17	the	the	DET
fsr-3213	294	18	particular	particular	ADJ
fsr-3213	294	19	variable	variable	NOUN
fsr-3213	294	20	is	be	AUX
fsr-3213	294	21	one	one	NUM
fsr-3213	294	22	of	of	ADP
fsr-3213	294	23	the	the	DET
fsr-3213	294	24	controls	control	NOUN
fsr-3213	294	25	(	(	PUNCT
fsr-3213	294	26	c	c	NOUN
fsr-3213	294	27	)	)	PUNCT
fsr-3213	294	28	or	or	CCONJ
fsr-3213	294	29	part	part	NOUN
fsr-3213	294	30	of	of	ADP
fsr-3213	294	31	a	a	DET
fsr-3213	294	32	hypothesis	hypothesis	NOUN
fsr-3213	294	33	(	(	PUNCT
fsr-3213	294	34	hypothesis	hypothesis	NOUN
fsr-3213	294	35	1	1	NUM
fsr-3213	294	36	,	,	PUNCT
fsr-3213	294	37	hypothesis	hypothesis	NOUN
fsr-3213	294	38	2a	2a	NUM
fsr-3213	294	39	,	,	PUNCT
fsr-3213	294	40	and	and	CCONJ
fsr-3213	294	41	hypothesis	hypothesis	NOUN
fsr-3213	294	42	3a	3a	NUM
fsr-3213	294	43	)	)	PUNCT
fsr-3213	294	44	.	.	PUNCT
fsr-3213	295	1	as	as	SCONJ
fsr-3213	295	2	expected	expect	VERB
fsr-3213	295	3	,	,	PUNCT
fsr-3213	295	4	those	those	PRON
fsr-3213	295	5	with	with	ADP
fsr-3213	295	6	more	more	ADJ
fsr-3213	295	7	education	education	NOUN
fsr-3213	295	8	and	and	CCONJ
fsr-3213	295	9	those	those	DET
fsr-3213	295	10	ages	age	NOUN
fsr-3213	295	11	50–64	50–64	NUM
fsr-3213	295	12	are	be	AUX
fsr-3213	295	13	more	more	ADV
fsr-3213	295	14	likely	likely	ADJ
fsr-3213	295	15	to	to	PART
fsr-3213	295	16	seek	seek	VERB
fsr-3213	295	17	financial	financial	ADJ
fsr-3213	295	18	planning	planning	NOUN
fsr-3213	295	19	help	help	NOUN
fsr-3213	295	20	.	.	PUNCT
fsr-3213	296	1	both	both	DET
fsr-3213	296	2	these	these	DET
fsr-3213	296	3	expectations	expectation	NOUN
fsr-3213	296	4	had	have	VERB
fsr-3213	296	5	significant	significant	ADJ
fsr-3213	296	6	coefficients	coefficient	NOUN
fsr-3213	296	7	and	and	CCONJ
fsr-3213	296	8	moderately	moderately	ADV
fsr-3213	296	9	high	high	ADJ
fsr-3213	296	10	odds	odd	NOUN
fsr-3213	296	11	ratios	ratio	NOUN
fsr-3213	296	12	.	.	PUNCT
fsr-3213	297	1	we	we	PRON
fsr-3213	297	2	noted	note	VERB
fsr-3213	297	3	that	that	SCONJ
fsr-3213	297	4	having	have	VERB
fsr-3213	297	5	children	child	NOUN
fsr-3213	297	6	was	be	AUX
fsr-3213	297	7	associated	associate	VERB
fsr-3213	297	8	with	with	ADP
fsr-3213	297	9	help	help	NOUN
fsr-3213	297	10	-	-	PUNCT
fsr-3213	297	11	seeking	seek	VERB
fsr-3213	297	12	in	in	ADP
fsr-3213	297	13	the	the	DET
fsr-3213	297	14	descriptive	descriptive	ADJ
fsr-3213	297	15	statistics	statistic	NOUN
fsr-3213	297	16	and	and	CCONJ
fsr-3213	297	17	that	that	DET
fsr-3213	297	18	relationship	relationship	NOUN
fsr-3213	297	19	appears	appear	VERB
fsr-3213	297	20	also	also	ADV
fsr-3213	297	21	in	in	ADP
fsr-3213	297	22	the	the	DET
fsr-3213	297	23	regressions	regression	NOUN
fsr-3213	297	24	.	.	PUNCT
fsr-3213	298	1	the	the	DET
fsr-3213	298	2	coefficients	coefficient	NOUN
fsr-3213	298	3	are	be	AUX
fsr-3213	298	4	virtually	virtually	ADV
fsr-3213	298	5	the	the	DET
fsr-3213	298	6	same	same	ADJ
fsr-3213	298	7	in	in	ADP
fsr-3213	298	8	all	all	DET
fsr-3213	298	9	three	three	NUM
fsr-3213	298	10	models	model	NOUN
fsr-3213	298	11	.	.	PUNCT
fsr-3213	299	1	we	we	PRON
fsr-3213	299	2	had	have	VERB
fsr-3213	299	3	no	no	DET
fsr-3213	299	4	specific	specific	ADJ
fsr-3213	299	5	expectations	expectation	NOUN
fsr-3213	299	6	of	of	ADP
fsr-3213	299	7	the	the	DET
fsr-3213	299	8	other	other	ADJ
fsr-3213	299	9	control	control	NOUN
fsr-3213	299	10	variables	variable	NOUN
fsr-3213	299	11	,	,	PUNCT
fsr-3213	299	12	and	and	CCONJ
fsr-3213	299	13	most	most	ADJ
fsr-3213	299	14	of	of	ADP
fsr-3213	299	15	them	they	PRON
fsr-3213	299	16	are	be	AUX
fsr-3213	299	17	not	not	PART
fsr-3213	299	18	significant	significant	ADJ
fsr-3213	299	19	.	.	PUNCT
fsr-3213	300	1	we	we	PRON
fsr-3213	300	2	hypothesized	hypothesize	VERB
fsr-3213	300	3	that	that	SCONJ
fsr-3213	300	4	help	help	NOUN
fsr-3213	300	5	-	-	PUNCT
fsr-3213	300	6	seeking	seeking	NOUN
fsr-3213	300	7	would	would	AUX
fsr-3213	300	8	be	be	AUX
fsr-3213	300	9	positively	positively	ADV
fsr-3213	300	10	related	relate	VERB
fsr-3213	300	11	to	to	ADP
fsr-3213	300	12	value	value	NOUN
fsr-3213	300	13	of	of	ADP
fsr-3213	300	14	assets	asset	NOUN
fsr-3213	300	15	,	,	PUNCT
fsr-3213	300	16	the	the	DET
fsr-3213	300	17	higher	high	ADJ
fsr-3213	300	18	income	income	NOUN
fsr-3213	300	19	categories	category	NOUN
fsr-3213	300	20	and	and	CCONJ
fsr-3213	300	21	home	home	NOUN
fsr-3213	300	22	ownership	ownership	NOUN
fsr-3213	300	23	.	.	PUNCT
fsr-3213	301	1	all	all	DET
fsr-3213	301	2	three	three	NUM
fsr-3213	301	3	are	be	AUX
fsr-3213	301	4	statistically	statistically	ADV
fsr-3213	301	5	significant	significant	ADJ
fsr-3213	301	6	with	with	ADP
fsr-3213	301	7	positive	positive	ADJ
fsr-3213	301	8	signs	sign	NOUN
fsr-3213	301	9	and	and	CCONJ
fsr-3213	301	10	odds	odd	NOUN
fsr-3213	301	11	ratios	ratio	NOUN
fsr-3213	301	12	greater	great	ADJ
fsr-3213	301	13	than	than	ADP
fsr-3213	301	14	1	1	NUM
fsr-3213	301	15	.	.	PUNCT
fsr-3213	302	1	the	the	DET
fsr-3213	302	2	interpretation	interpretation	NOUN
fsr-3213	302	3	is	be	AUX
fsr-3213	302	4	quite	quite	ADV
fsr-3213	302	5	simple	simple	ADJ
fsr-3213	302	6	and	and	CCONJ
fsr-3213	302	7	unsurprising	unsurprising	ADJ
fsr-3213	302	8	.	.	PUNCT
fsr-3213	303	1	people	people	NOUN
fsr-3213	303	2	with	with	ADP
fsr-3213	303	3	more	more	ADJ
fsr-3213	303	4	assets	asset	NOUN
fsr-3213	303	5	and	and	CCONJ
fsr-3213	303	6	income	income	NOUN
fsr-3213	303	7	have	have	VERB
fsr-3213	303	8	the	the	DET
fsr-3213	303	9	ability	ability	NOUN
fsr-3213	303	10	to	to	PART
fsr-3213	303	11	pay	pay	VERB
fsr-3213	303	12	for	for	ADP
fsr-3213	303	13	professional	professional	ADJ
fsr-3213	303	14	financial	financial	ADJ
fsr-3213	303	15	table	table	NOUN
fsr-3213	303	16	3	3	NUM
fsr-3213	303	17	behavioral	behavioral	ADJ
fsr-3213	303	18	variables	variable	NOUN
fsr-3213	303	19	3a	3a	NUM
fsr-3213	303	20	:	:	PUNCT
fsr-3213	303	21	financial	financial	ADJ
fsr-3213	303	22	self	self	NOUN
fsr-3213	303	23	-	-	PUNCT
fsr-3213	303	24	efficacy	efficacy	NOUN
fsr-3213	303	25	factor	factor	NOUN
fsr-3213	303	26	(	(	PUNCT
fsr-3213	303	27	se	se	X
fsr-3213	303	28	)	)	PUNCT
fsr-3213	303	29	full	full	ADJ
fsr-3213	303	30	sample	sample	NOUN
fsr-3213	303	31	help	help	NOUN
fsr-3213	303	32	-	-	PUNCT
fsr-3213	303	33	seeker	seeker	NOUN
fsr-3213	303	34	non	non	ADJ
fsr-3213	303	35	-	-	ADJ
fsr-3213	303	36	help	help	ADJ
fsr-3213	303	37	–	–	PUNCT
fsr-3213	303	38	seeker	seeker	NOUN
fsr-3213	303	39	(	(	PUNCT
fsr-3213	303	40	n	n	X
fsr-3213	303	41	�	�	PROPN
fsr-3213	303	42	14,068	14,068	NUM
fsr-3213	303	43	)	)	PUNCT
fsr-3213	303	44	(	(	PUNCT
fsr-3213	303	45	n	n	X
fsr-3213	303	46	�	�	PROPN
fsr-3213	303	47	8,669	8,669	NUM
fsr-3213	303	48	)	)	PUNCT
fsr-3213	303	49	(	(	PUNCT
fsr-3213	303	50	n	n	X
fsr-3213	303	51	�	�	PROPN
fsr-3213	303	52	5,399	5,399	NUM
fsr-3213	303	53	)	)	PUNCT
fsr-3213	303	54	i	i	PRON
fsr-3213	303	55	feel	feel	VERB
fsr-3213	303	56	that	that	SCONJ
fsr-3213	303	57	i	i	PRON
fsr-3213	303	58	am	be	AUX
fsr-3213	303	59	prepared	prepared	ADJ
fsr-3213	303	60	to	to	PART
fsr-3213	303	61	manage	manage	VERB
fsr-3213	303	62	through	through	ADP
fsr-3213	303	63	tough	tough	ADJ
fsr-3213	303	64	economic	economic	ADJ
fsr-3213	303	65	times	time	NOUN
fsr-3213	303	66	5.50	5.50	NUM
fsr-3213	303	67	5.81	5.81	NUM
fsr-3213	303	68	4.99	4.99	NUM
fsr-3213	303	69	over	over	ADP
fsr-3213	303	70	the	the	DET
fsr-3213	303	71	last	last	ADJ
fsr-3213	303	72	five	five	NUM
fsr-3213	303	73	years	year	NOUN
fsr-3213	303	74	,	,	PUNCT
fsr-3213	303	75	i	i	PRON
fsr-3213	303	76	have	have	AUX
fsr-3213	303	77	improved	improve	VERB
fsr-3213	303	78	my	my	PRON
fsr-3213	303	79	ability	ability	NOUN
fsr-3213	303	80	to	to	PART
fsr-3213	303	81	save	save	VERB
fsr-3213	303	82	5.52	5.52	NUM
fsr-3213	303	83	5.78	5.78	NUM
fsr-3213	303	84	5.11	5.11	NUM
fsr-3213	303	85	i	i	PRON
fsr-3213	303	86	do	do	AUX
fsr-3213	303	87	not	not	PART
fsr-3213	303	88	know	know	VERB
fsr-3213	303	89	what	what	PRON
fsr-3213	303	90	to	to	PART
fsr-3213	303	91	do	do	VERB
fsr-3213	303	92	to	to	PART
fsr-3213	303	93	improve	improve	VERB
fsr-3213	303	94	my	my	PRON
fsr-3213	303	95	financial	financial	ADJ
fsr-3213	303	96	situation	situation	NOUN
fsr-3213	303	97	(	(	PUNCT
fsr-3213	303	98	reverse	reverse	ADJ
fsr-3213	303	99	coded	code	VERB
fsr-3213	303	100	)	)	PUNCT
fsr-3213	303	101	5.62	5.62	NUM
fsr-3213	303	102	5.90	5.90	NUM
fsr-3213	303	103	5.18	5.18	NUM
fsr-3213	303	104	i	i	PRON
fsr-3213	303	105	feel	feel	VERB
fsr-3213	303	106	prepared	prepared	ADJ
fsr-3213	303	107	in	in	ADP
fsr-3213	303	108	the	the	DET
fsr-3213	303	109	event	event	NOUN
fsr-3213	303	110	of	of	ADP
fsr-3213	303	111	an	an	DET
fsr-3213	303	112	unexpected	unexpected	ADJ
fsr-3213	303	113	financial	financial	ADJ
fsr-3213	303	114	emergency	emergency	NOUN
fsr-3213	303	115	5.01	5.01	NUM
fsr-3213	303	116	5.44	5.44	NUM
fsr-3213	303	117	4.32	4.32	NUM
fsr-3213	303	118	i	i	PRON
fsr-3213	303	119	am	be	AUX
fsr-3213	303	120	on	on	ADP
fsr-3213	303	121	the	the	DET
fsr-3213	303	122	right	right	ADJ
fsr-3213	303	123	track	track	NOUN
fsr-3213	303	124	in	in	ADP
fsr-3213	303	125	terms	term	NOUN
fsr-3213	303	126	of	of	ADP
fsr-3213	303	127	financial	financial	ADJ
fsr-3213	303	128	affairs	affair	NOUN
fsr-3213	303	129	6.02	6.02	NUM
fsr-3213	303	130	6.40	6.40	NUM
fsr-3213	303	131	5.42	5.42	NUM
fsr-3213	303	132	mean	mean	NOUN
fsr-3213	303	133	self	self	NOUN
fsr-3213	303	134	-	-	PUNCT
fsr-3213	303	135	efficacy	efficacy	NOUN
fsr-3213	303	136	principal	principal	ADJ
fsr-3213	303	137	component	component	NOUN
fsr-3213	303	138	scores	score	NOUN
fsr-3213	303	139	*	*	SYM
fsr-3213	303	140	�	�	PROPN
fsr-3213	303	141	0.016	0.016	NUM
fsr-3213	303	142	0.183	0.183	NUM
fsr-3213	303	143	�	�	NOUN
fsr-3213	303	144	0.336	0.336	NUM
fsr-3213	303	145	all	all	DET
fsr-3213	303	146	items	item	NOUN
fsr-3213	303	147	are	be	AUX
fsr-3213	303	148	on	on	ADP
fsr-3213	303	149	a	a	DET
fsr-3213	303	150	1	1	NUM
fsr-3213	303	151	to	to	PART
fsr-3213	303	152	9	9	NUM
fsr-3213	303	153	likert	likert	ADJ
fsr-3213	303	154	scale	scale	NOUN
fsr-3213	303	155	(	(	PUNCT
fsr-3213	303	156	1	1	NUM
fsr-3213	303	157	�	�	PROPN
fsr-3213	303	158	strongly	strongly	ADV
fsr-3213	303	159	disagree	disagree	VERB
fsr-3213	303	160	,	,	PUNCT
fsr-3213	303	161	9	9	NUM
fsr-3213	303	162	�	�	NOUN
fsr-3213	303	163	strongly	strongly	ADV
fsr-3213	303	164	agree	agree	VERB
fsr-3213	303	165	)	)	PUNCT
fsr-3213	303	166	.	.	PUNCT
fsr-3213	304	1	cronbach	cronbach	PROPN
fsr-3213	304	2	’s	’s	PART
fsr-3213	304	3	�	�	PROPN
fsr-3213	304	4	�	�	PROPN
fsr-3213	304	5	0.812	0.812	NUM
fsr-3213	304	6	.	.	PUNCT
fsr-3213	305	1	*	*	PUNCT
fsr-3213	305	2	mean	mean	ADJ
fsr-3213	305	3	difference	difference	NOUN
fsr-3213	305	4	is	be	AUX
fsr-3213	305	5	significant	significant	ADJ
fsr-3213	305	6	at	at	ADP
fsr-3213	305	7	the	the	DET
fsr-3213	305	8	p	p	X
fsr-3213	305	9	�	�	PROPN
fsr-3213	305	10	0.05	0.05	NUM
fsr-3213	305	11	level	level	NOUN
fsr-3213	305	12	.	.	PUNCT
fsr-3213	306	1	3b	3b	NUM
fsr-3213	306	2	:	:	PUNCT
fsr-3213	306	3	financial	financial	ADJ
fsr-3213	306	4	stress	stress	NOUN
fsr-3213	306	5	factor	factor	NOUN
fsr-3213	306	6	(	(	PUNCT
fsr-3213	306	7	stress	stress	NOUN
fsr-3213	306	8	)	)	PUNCT
fsr-3213	306	9	full	full	ADJ
fsr-3213	306	10	sample	sample	NOUN
fsr-3213	306	11	help	help	NOUN
fsr-3213	306	12	-	-	PUNCT
fsr-3213	306	13	seeker	seeker	NOUN
fsr-3213	306	14	non	non	ADJ
fsr-3213	306	15	-	-	ADJ
fsr-3213	306	16	help	help	ADJ
fsr-3213	306	17	–	–	PUNCT
fsr-3213	306	18	seeker	seeker	NOUN
fsr-3213	306	19	(	(	PUNCT
fsr-3213	306	20	n	n	X
fsr-3213	306	21	�	�	PROPN
fsr-3213	306	22	14,068	14,068	NUM
fsr-3213	306	23	)	)	PUNCT
fsr-3213	306	24	(	(	PUNCT
fsr-3213	306	25	n	n	X
fsr-3213	306	26	�	�	PROPN
fsr-3213	306	27	8,669	8,669	NUM
fsr-3213	306	28	)	)	PUNCT
fsr-3213	306	29	(	(	PUNCT
fsr-3213	306	30	n	n	X
fsr-3213	306	31	�	�	PROPN
fsr-3213	306	32	5,399	5,399	NUM
fsr-3213	306	33	)	)	PUNCT
fsr-3213	307	1	i	i	PRON
fsr-3213	307	2	worry	worry	VERB
fsr-3213	307	3	a	a	DET
fsr-3213	307	4	lot	lot	NOUN
fsr-3213	307	5	about	about	ADP
fsr-3213	307	6	my	my	PRON
fsr-3213	307	7	financial	financial	ADJ
fsr-3213	307	8	situation	situation	NOUN
fsr-3213	307	9	5.22	5.22	NUM
fsr-3213	307	10	5.00	5.00	NUM
fsr-3213	307	11	5.57	5.57	NUM
fsr-3213	307	12	i	i	PRON
fsr-3213	307	13	feel	feel	VERB
fsr-3213	307	14	i	i	PRON
fsr-3213	307	15	barely	barely	ADV
fsr-3213	307	16	get	get	VERB
fsr-3213	307	17	by	by	ADP
fsr-3213	307	18	every	every	DET
fsr-3213	307	19	month	month	NOUN
fsr-3213	307	20	4.57	4.57	NUM
fsr-3213	307	21	4.14	4.14	NUM
fsr-3213	307	22	5.26	5.26	NUM
fsr-3213	307	23	my	my	PRON
fsr-3213	307	24	finances	finance	NOUN
fsr-3213	307	25	are	be	AUX
fsr-3213	307	26	out	out	ADP
fsr-3213	307	27	of	of	ADP
fsr-3213	307	28	control	control	NOUN
fsr-3213	307	29	3.59	3.59	NUM
fsr-3213	307	30	3.29	3.29	NUM
fsr-3213	307	31	4.08	4.08	NUM
fsr-3213	307	32	mean	mean	NOUN
fsr-3213	307	33	financial	financial	ADJ
fsr-3213	307	34	stress	stress	NOUN
fsr-3213	307	35	principal	principal	ADJ
fsr-3213	307	36	component	component	NOUN
fsr-3213	307	37	scores	score	NOUN
fsr-3213	307	38	*	*	PROPN
fsr-3213	307	39	0.018	0.018	NUM
fsr-3213	307	40	�	�	PROPN
fsr-3213	307	41	0.130	0.130	NUM
fsr-3213	307	42	0.255	0.255	NUM
fsr-3213	307	43	all	all	DET
fsr-3213	307	44	items	item	NOUN
fsr-3213	307	45	are	be	AUX
fsr-3213	307	46	on	on	ADP
fsr-3213	307	47	a	a	DET
fsr-3213	307	48	1	1	NUM
fsr-3213	307	49	to	to	PART
fsr-3213	307	50	9	9	NUM
fsr-3213	307	51	likert	likert	ADJ
fsr-3213	307	52	scale	scale	NOUN
fsr-3213	307	53	(	(	PUNCT
fsr-3213	307	54	1	1	NUM
fsr-3213	307	55	�	�	PROPN
fsr-3213	307	56	strongly	strongly	ADV
fsr-3213	307	57	disagree	disagree	VERB
fsr-3213	307	58	,	,	PUNCT
fsr-3213	307	59	9	9	NUM
fsr-3213	307	60	�	�	NOUN
fsr-3213	307	61	strongly	strongly	ADV
fsr-3213	307	62	agree	agree	VERB
fsr-3213	307	63	)	)	PUNCT
fsr-3213	307	64	.	.	PUNCT
fsr-3213	308	1	cronbach	cronbach	PROPN
fsr-3213	308	2	’s	’s	PART
fsr-3213	308	3	�	�	PROPN
fsr-3213	308	4	�	�	PROPN
fsr-3213	308	5	0.807	0.807	NUM
fsr-3213	308	6	.	.	PUNCT
fsr-3213	309	1	*	*	PUNCT
fsr-3213	309	2	mean	mean	ADJ
fsr-3213	309	3	difference	difference	NOUN
fsr-3213	309	4	is	be	AUX
fsr-3213	309	5	significant	significant	ADJ
fsr-3213	309	6	at	at	ADP
fsr-3213	309	7	the	the	DET
fsr-3213	309	8	p	p	X
fsr-3213	309	9	�	�	PROPN
fsr-3213	309	10	0.05	0.05	NUM
fsr-3213	309	11	level	level	NOUN
fsr-3213	309	12	.	.	PUNCT
fsr-3213	310	1	118	118	NUM
fsr-3213	310	2	j.	j.	PROPN
fsr-3213	310	3	letkiewicz	letkiewicz	PROPN
fsr-3213	310	4	et	et	PROPN
fsr-3213	310	5	al	al	PROPN
fsr-3213	310	6	.	.	PUNCT
fsr-3213	310	7	/	/	SYM
fsr-3213	310	8	financial	financial	ADJ
fsr-3213	310	9	services	service	NOUN
fsr-3213	310	10	review	review	VERB
fsr-3213	310	11	25	25	NUM
fsr-3213	310	12	(	(	PUNCT
fsr-3213	310	13	2016	2016	NUM
fsr-3213	310	14	)	)	PUNCT
fsr-3213	310	15	105–126	105–126	NUM
fsr-3213	310	16	advice	advice	NOUN
fsr-3213	310	17	and	and	CCONJ
fsr-3213	310	18	are	be	AUX
fsr-3213	310	19	likely	likely	ADJ
fsr-3213	310	20	to	to	PART
fsr-3213	310	21	gain	gain	VERB
fsr-3213	310	22	a	a	DET
fsr-3213	310	23	net	net	ADJ
fsr-3213	310	24	benefit	benefit	NOUN
fsr-3213	310	25	from	from	ADP
fsr-3213	310	26	it	it	PRON
fsr-3213	310	27	.	.	PUNCT
fsr-3213	311	1	this	this	DET
fsr-3213	311	2	hypothesis	hypothesis	NOUN
fsr-3213	311	3	is	be	AUX
fsr-3213	311	4	not	not	PART
fsr-3213	311	5	the	the	DET
fsr-3213	311	6	primary	primary	ADJ
fsr-3213	311	7	motivation	motivation	NOUN
fsr-3213	311	8	of	of	ADP
fsr-3213	311	9	this	this	DET
fsr-3213	311	10	paper	paper	NOUN
fsr-3213	311	11	,	,	PUNCT
fsr-3213	311	12	but	but	CCONJ
fsr-3213	311	13	it	it	PRON
fsr-3213	311	14	is	be	AUX
fsr-3213	311	15	essential	essential	ADJ
fsr-3213	311	16	to	to	PART
fsr-3213	311	17	include	include	VERB
fsr-3213	311	18	the	the	DET
fsr-3213	311	19	wealth	wealth	NOUN
fsr-3213	311	20	variables	variable	NOUN
fsr-3213	311	21	and	and	CCONJ
fsr-3213	311	22	test	test	VERB
fsr-3213	311	23	the	the	DET
fsr-3213	311	24	hypothesis	hypothesis	NOUN
fsr-3213	311	25	to	to	PART
fsr-3213	311	26	be	be	AUX
fsr-3213	311	27	able	able	ADJ
fsr-3213	311	28	to	to	PART
fsr-3213	311	29	test	test	VERB
fsr-3213	311	30	the	the	DET
fsr-3213	311	31	stress	stress	NOUN
fsr-3213	311	32	and	and	CCONJ
fsr-3213	311	33	self	self	NOUN
fsr-3213	311	34	-	-	PUNCT
fsr-3213	311	35	efficacy	efficacy	NOUN
fsr-3213	311	36	hypotheses	hypothesis	NOUN
fsr-3213	311	37	with	with	ADP
fsr-3213	311	38	these	these	DET
fsr-3213	311	39	variables	variable	NOUN
fsr-3213	311	40	also	also	ADV
fsr-3213	311	41	in	in	ADP
fsr-3213	311	42	the	the	DET
fsr-3213	311	43	regression	regression	NOUN
fsr-3213	311	44	.	.	PUNCT
fsr-3213	312	1	the	the	DET
fsr-3213	312	2	coefficients	coefficient	NOUN
fsr-3213	312	3	and	and	CCONJ
fsr-3213	312	4	the	the	DET
fsr-3213	312	5	significance	significance	NOUN
fsr-3213	312	6	are	be	AUX
fsr-3213	312	7	virtually	virtually	ADV
fsr-3213	312	8	the	the	DET
fsr-3213	312	9	same	same	ADJ
fsr-3213	312	10	in	in	ADP
fsr-3213	312	11	all	all	DET
fsr-3213	312	12	three	three	NUM
fsr-3213	312	13	models	model	NOUN
fsr-3213	312	14	.	.	PUNCT
fsr-3213	313	1	the	the	DET
fsr-3213	313	2	findings	finding	NOUN
fsr-3213	313	3	from	from	ADP
fsr-3213	313	4	model	model	PROPN
fsr-3213	313	5	1a	1a	PROPN
fsr-3213	313	6	indicate	indicate	VERB
fsr-3213	313	7	that	that	SCONJ
fsr-3213	313	8	objective	objective	ADJ
fsr-3213	313	9	stress	stress	NOUN
fsr-3213	313	10	(	(	PUNCT
fsr-3213	313	11	non	non	ADJ
fsr-3213	313	12	-	-	ADJ
fsr-3213	313	13	housing	housing	ADJ
fsr-3213	313	14	debt	debt	NOUN
fsr-3213	313	15	and	and	CCONJ
fsr-3213	313	16	unemployment	unemployment	NOUN
fsr-3213	313	17	risk	risk	NOUN
fsr-3213	313	18	)	)	PUNCT
fsr-3213	313	19	is	be	AUX
fsr-3213	313	20	positive	positive	ADJ
fsr-3213	313	21	and	and	CCONJ
fsr-3213	313	22	statistically	statistically	ADV
fsr-3213	313	23	significant	significant	ADJ
fsr-3213	313	24	,	,	PUNCT
fsr-3213	313	25	while	while	SCONJ
fsr-3213	313	26	subjective	subjective	ADJ
fsr-3213	313	27	stress	stress	NOUN
fsr-3213	313	28	(	(	PUNCT
fsr-3213	313	29	stress	stress	NOUN
fsr-3213	313	30	)	)	PUNCT
fsr-3213	313	31	is	be	AUX
fsr-3213	313	32	negative	negative	ADJ
fsr-3213	313	33	and	and	CCONJ
fsr-3213	313	34	significant	significant	ADJ
fsr-3213	313	35	.	.	PUNCT
fsr-3213	314	1	we	we	PRON
fsr-3213	314	2	interpret	interpret	VERB
fsr-3213	314	3	this	this	PRON
fsr-3213	314	4	to	to	PART
fsr-3213	314	5	mean	mean	VERB
fsr-3213	314	6	that	that	SCONJ
fsr-3213	314	7	stress	stress	NOUN
fsr-3213	314	8	can	can	AUX
fsr-3213	314	9	be	be	AUX
fsr-3213	314	10	alleviated	alleviate	VERB
fsr-3213	314	11	by	by	ADP
fsr-3213	314	12	the	the	DET
fsr-3213	314	13	use	use	NOUN
fsr-3213	314	14	of	of	ADP
fsr-3213	314	15	a	a	DET
fsr-3213	314	16	financial	financial	ADJ
fsr-3213	314	17	planner	planner	NOUN
fsr-3213	314	18	while	while	SCONJ
fsr-3213	314	19	objective	objective	ADJ
fsr-3213	314	20	stress	stress	NOUN
fsr-3213	314	21	is	be	AUX
fsr-3213	314	22	an	an	DET
fsr-3213	314	23	external	external	ADJ
fsr-3213	314	24	factor	factor	NOUN
fsr-3213	314	25	that	that	PRON
fsr-3213	314	26	may	may	AUX
fsr-3213	314	27	not	not	PART
fsr-3213	314	28	be	be	AUX
fsr-3213	314	29	influenced	influence	VERB
fsr-3213	314	30	by	by	ADP
fsr-3213	314	31	a	a	DET
fsr-3213	314	32	financial	financial	ADJ
fsr-3213	314	33	planner	planner	NOUN
fsr-3213	314	34	(	(	PUNCT
fsr-3213	314	35	i.e.	i.e.	X
fsr-3213	314	36	,	,	PUNCT
fsr-3213	314	37	one	one	PRON
fsr-3213	314	38	might	might	AUX
fsr-3213	314	39	be	be	AUX
fsr-3213	314	40	worried	worried	ADJ
fsr-3213	314	41	about	about	ADP
fsr-3213	314	42	losing	lose	VERB
fsr-3213	314	43	their	their	PRON
fsr-3213	314	44	job	job	NOUN
fsr-3213	314	45	,	,	PUNCT
fsr-3213	314	46	but	but	CCONJ
fsr-3213	314	47	a	a	DET
fsr-3213	314	48	financial	financial	ADJ
fsr-3213	314	49	planner	planner	NOUN
fsr-3213	314	50	may	may	AUX
fsr-3213	314	51	not	not	PART
fsr-3213	314	52	be	be	AUX
fsr-3213	314	53	able	able	ADJ
fsr-3213	314	54	to	to	PART
fsr-3213	314	55	remedy	remedy	VERB
fsr-3213	314	56	this	this	PRON
fsr-3213	314	57	)	)	PUNCT
fsr-3213	314	58	.	.	PUNCT
fsr-3213	315	1	thus	thus	ADV
fsr-3213	315	2	we	we	PRON
fsr-3213	315	3	find	find	VERB
fsr-3213	315	4	partial	partial	ADJ
fsr-3213	315	5	support	support	NOUN
fsr-3213	315	6	for	for	ADP
fsr-3213	315	7	hypothesis	hypothesis	NOUN
fsr-3213	315	8	2a	2a	NUM
fsr-3213	315	9	,	,	PUNCT
fsr-3213	315	10	that	that	PRON
fsr-3213	315	11	subjective	subjective	ADJ
fsr-3213	315	12	stress	stress	NOUN
fsr-3213	315	13	(	(	PUNCT
fsr-3213	315	14	stress	stress	NOUN
fsr-3213	315	15	)	)	PUNCT
fsr-3213	315	16	is	be	AUX
fsr-3213	315	17	negatively	negatively	ADV
fsr-3213	315	18	correlated	correlate	VERB
fsr-3213	315	19	with	with	ADP
fsr-3213	315	20	having	have	VERB
fsr-3213	315	21	a	a	DET
fsr-3213	315	22	financial	financial	ADJ
fsr-3213	315	23	planner	planner	NOUN
fsr-3213	315	24	.	.	PUNCT
fsr-3213	316	1	let	let	VERB
fsr-3213	316	2	us	we	PRON
fsr-3213	316	3	repeat	repeat	VERB
fsr-3213	316	4	the	the	DET
fsr-3213	316	5	definition	definition	NOUN
fsr-3213	316	6	of	of	ADP
fsr-3213	316	7	financial	financial	ADJ
fsr-3213	316	8	self	self	NOUN
fsr-3213	316	9	-	-	PUNCT
fsr-3213	316	10	efficacy	efficacy	NOUN
fsr-3213	316	11	:	:	PUNCT
fsr-3213	316	12	the	the	DET
fsr-3213	316	13	belief	belief	NOUN
fsr-3213	316	14	in	in	ADP
fsr-3213	316	15	one	one	NUM
fsr-3213	316	16	’s	’s	PART
fsr-3213	316	17	own	own	ADJ
fsr-3213	316	18	ability	ability	NOUN
fsr-3213	316	19	to	to	PART
fsr-3213	316	20	succeed	succeed	VERB
fsr-3213	316	21	at	at	ADP
fsr-3213	316	22	financial	financial	ADJ
fsr-3213	316	23	tasks	task	NOUN
fsr-3213	316	24	.	.	PUNCT
fsr-3213	317	1	the	the	DET
fsr-3213	317	2	measure	measure	NOUN
fsr-3213	317	3	of	of	ADP
fsr-3213	317	4	se	se	PROPN
fsr-3213	317	5	was	be	AUX
fsr-3213	317	6	to	to	PART
fsr-3213	317	7	capture	capture	VERB
fsr-3213	317	8	this	this	DET
fsr-3213	317	9	psychological	psychological	ADJ
fsr-3213	317	10	state	state	NOUN
fsr-3213	317	11	with	with	ADP
fsr-3213	317	12	table	table	NOUN
fsr-3213	317	13	4	4	NUM
fsr-3213	317	14	logistic	logistic	ADJ
fsr-3213	317	15	regression	regression	NOUN
fsr-3213	317	16	tests	test	NOUN
fsr-3213	317	17	of	of	ADP
fsr-3213	317	18	the	the	DET
fsr-3213	317	19	main	main	ADJ
fsr-3213	317	20	hypotheses	hypothesis	NOUN
fsr-3213	317	21	variable	variable	ADJ
fsr-3213	317	22	name	name	NOUN
fsr-3213	317	23	expected	expect	VERB
fsr-3213	317	24	sign	sign	NOUN
fsr-3213	317	25	hypothesis	hypothesis	NOUN
fsr-3213	317	26	(	(	PUNCT
fsr-3213	317	27	h	h	NOUN
fsr-3213	317	28	)	)	PUNCT
fsr-3213	317	29	or	or	CCONJ
fsr-3213	317	30	control	control	NOUN
fsr-3213	317	31	(	(	PUNCT
fsr-3213	317	32	c	c	NOUN
fsr-3213	317	33	)	)	PUNCT
fsr-3213	317	34	model	model	NOUN
fsr-3213	317	35	1a	1a	PROPN
fsr-3213	317	36	model	model	PROPN
fsr-3213	317	37	1b	1b	PROPN
fsr-3213	317	38	�	�	PROPN
fsr-3213	317	39	odds	odd	VERB
fsr-3213	317	40	ratio	ratio	NOUN
fsr-3213	317	41	wald	wald	PROPN
fsr-3213	317	42	�	�	PROPN
fsr-3213	317	43	odds	odd	VERB
fsr-3213	317	44	ratio	ratio	NOUN
fsr-3213	317	45	wald	wald	PROPN
fsr-3213	317	46	wave	wave	PROPN
fsr-3213	317	47	1	1	NUM
fsr-3213	317	48	c	c	PROPN
fsr-3213	317	49	0.059	0.059	NUM
fsr-3213	317	50	1.061	1.061	NUM
fsr-3213	317	51	2.168	2.168	NUM
fsr-3213	317	52	0.086	0.086	NUM
fsr-3213	317	53	*	*	NOUN
fsr-3213	317	54	1.090	1.090	NUM
fsr-3213	317	55	4.587	4.587	NUM
fsr-3213	317	56	gender	gender	NOUN
fsr-3213	317	57	female	female	NOUN
fsr-3213	317	58	c	c	PROPN
fsr-3213	317	59	0.019	0.019	NUM
fsr-3213	317	60	1.019	1.019	NUM
fsr-3213	317	61	0.246	0.246	NUM
fsr-3213	317	62	0.020	0.020	NUM
fsr-3213	317	63	1.020	1.020	NUM
fsr-3213	317	64	0.256	0.256	NUM
fsr-3213	317	65	age	age	NOUN
fsr-3213	317	66	(	(	PUNCT
fsr-3213	317	67	reference	reference	NOUN
fsr-3213	317	68	category	category	NOUN
fsr-3213	317	69	:	:	PUNCT
fsr-3213	317	70	age	age	NOUN
fsr-3213	317	71	30–49	30–49	NUM
fsr-3213	317	72	)	)	PUNCT
fsr-3213	317	73	age	age	NOUN
fsr-3213	317	74	18–29	18–29	NUM
fsr-3213	317	75	c	c	NOUN
fsr-3213	317	76	0.044	0.044	NUM
fsr-3213	317	77	1.045	1.045	NUM
fsr-3213	317	78	0.476	0.476	NUM
fsr-3213	317	79	�	�	NOUN
fsr-3213	317	80	0.010	0.010	NUM
fsr-3213	317	81	0.990	0.990	NUM
fsr-3213	317	82	0.026	0.026	NUM
fsr-3213	317	83	age	age	NOUN
fsr-3213	317	84	50–64	50–64	NUM
fsr-3213	317	85	�	�	NOUN
fsr-3213	317	86	c	c	NOUN
fsr-3213	317	87	0.126	0.126	NUM
fsr-3213	317	88	*	*	PUNCT
fsr-3213	317	89	*	*	X
fsr-3213	317	90	1.134	1.134	NUM
fsr-3213	317	91	6.104	6.104	NUM
fsr-3213	317	92	0.156	0.156	NUM
fsr-3213	317	93	*	*	PUNCT
fsr-3213	317	94	*	*	PUNCT
fsr-3213	317	95	1.169	1.169	NUM
fsr-3213	317	96	9.340	9.340	NUM
fsr-3213	317	97	age	age	NOUN
fsr-3213	317	98	65	65	NUM
fsr-3213	317	99	�	�	PROPN
fsr-3213	317	100	c	c	PROPN
fsr-3213	317	101	�	�	PROPN
fsr-3213	317	102	0.091	0.091	NUM
fsr-3213	317	103	0.913	0.913	NUM
fsr-3213	317	104	1.161	1.161	NUM
fsr-3213	317	105	�	�	PROPN
fsr-3213	317	106	0.067	0.067	NUM
fsr-3213	317	107	0.935	0.935	NUM
fsr-3213	317	108	0.634	0.634	NUM
fsr-3213	317	109	marital	marital	ADJ
fsr-3213	317	110	status	status	NOUN
fsr-3213	317	111	non	non	ADJ
fsr-3213	317	112	-	-	ADJ
fsr-3213	317	113	married	married	ADJ
fsr-3213	317	114	c	c	NOUN
fsr-3213	317	115	0.118	0.118	NUM
fsr-3213	317	116	*	*	PUNCT
fsr-3213	317	117	*	*	PUNCT
fsr-3213	318	1	1.125	1.125	NUM
fsr-3213	318	2	6.911	6.911	NUM
fsr-3213	318	3	0.134	0.134	NUM
fsr-3213	318	4	*	*	PUNCT
fsr-3213	318	5	*	*	PUNCT
fsr-3213	318	6	1.143	1.143	NUM
fsr-3213	318	7	8.779	8.779	NUM
fsr-3213	318	8	education	education	NOUN
fsr-3213	318	9	(	(	PUNCT
fsr-3213	318	10	reference	reference	NOUN
fsr-3213	318	11	category	category	NOUN
fsr-3213	318	12	:	:	PUNCT
fsr-3213	318	13	college	college	NOUN
fsr-3213	318	14	degree	degree	NOUN
fsr-3213	318	15	/	/	SYM
fsr-3213	318	16	some	some	DET
fsr-3213	318	17	college	college	NOUN
fsr-3213	318	18	)	)	PUNCT
fsr-3213	318	19	less	less	ADJ
fsr-3213	318	20	than	than	ADP
fsr-3213	318	21	college	college	NOUN
fsr-3213	318	22	�	�	PROPN
fsr-3213	318	23	c	c	PROPN
fsr-3213	318	24	�	�	PROPN
fsr-3213	318	25	0.348	0.348	NUM
fsr-3213	318	26	*	*	PUNCT
fsr-3213	318	27	*	*	PUNCT
fsr-3213	318	28	*	*	PUNCT
fsr-3213	318	29	0.706	0.706	NUM
fsr-3213	318	30	52.016	52.016	NUM
fsr-3213	318	31	�	�	NOUN
fsr-3213	318	32	0.335	0.335	NUM
fsr-3213	318	33	*	*	NOUN
fsr-3213	318	34	0.715	0.715	NUM
fsr-3213	318	35	47.483	47.483	NUM
fsr-3213	318	36	university	university	NOUN
fsr-3213	318	37	degree	degree	NOUN
fsr-3213	318	38	�	�	PROPN
fsr-3213	318	39	c	c	NOUN
fsr-3213	318	40	0.294	0.294	NUM
fsr-3213	318	41	*	*	PUNCT
fsr-3213	318	42	*	*	PUNCT
fsr-3213	318	43	*	*	PUNCT
fsr-3213	318	44	1.342	1.342	NUM
fsr-3213	318	45	43.049	43.049	NUM
fsr-3213	318	46	0.280	0.280	NUM
fsr-3213	318	47	1.323	1.323	NUM
fsr-3213	318	48	38.487	38.487	NUM
fsr-3213	318	49	employment	employment	NOUN
fsr-3213	318	50	status	status	NOUN
fsr-3213	318	51	(	(	PUNCT
fsr-3213	318	52	reference	reference	NOUN
fsr-3213	318	53	category	category	NOUN
fsr-3213	318	54	:	:	PUNCT
fsr-3213	318	55	employed	employ	VERB
fsr-3213	318	56	)	)	PUNCT
fsr-3213	318	57	unemployed	unemployed	PROPN
fsr-3213	318	58	c	c	PROPN
fsr-3213	318	59	�	�	PROPN
fsr-3213	318	60	0.097	0.097	NUM
fsr-3213	318	61	0.908	0.908	NUM
fsr-3213	318	62	1.525	1.525	NUM
fsr-3213	318	63	�	�	NOUN
fsr-3213	318	64	0.049	0.049	NUM
fsr-3213	318	65	0.952	0.952	NUM
fsr-3213	318	66	0.368	0.368	NUM
fsr-3213	318	67	retired	retired	ADJ
fsr-3213	318	68	c	c	PROPN
fsr-3213	318	69	0.214	0.214	NUM
fsr-3213	318	70	*	*	PUNCT
fsr-3213	318	71	*	*	PUNCT
fsr-3213	318	72	1.239	1.239	NUM
fsr-3213	318	73	10.873	10.873	NUM
fsr-3213	318	74	0.131	0.131	NUM
fsr-3213	318	75	*	*	PUNCT
fsr-3213	318	76	*	*	PUNCT
fsr-3213	318	77	1.141	1.141	NUM
fsr-3213	318	78	4.003	4.003	NUM
fsr-3213	318	79	plan	plan	NOUN
fsr-3213	318	80	retire	retire	VERB
fsr-3213	318	81	in	in	ADP
fsr-3213	318	82	next	next	ADJ
fsr-3213	318	83	five	five	NUM
fsr-3213	318	84	years	year	NOUN
fsr-3213	318	85	�	�	PROPN
fsr-3213	318	86	c	c	NOUN
fsr-3213	318	87	0.322	0.322	NUM
fsr-3213	318	88	*	*	PUNCT
fsr-3213	318	89	*	*	PUNCT
fsr-3213	318	90	*	*	PUNCT
fsr-3213	318	91	1.380	1.380	NUM
fsr-3213	318	92	28.886	28.886	NUM
fsr-3213	318	93	0.271	0.271	NUM
fsr-3213	318	94	*	*	PUNCT
fsr-3213	318	95	*	*	PUNCT
fsr-3213	318	96	*	*	PUNCT
fsr-3213	318	97	1.311	1.311	NUM
fsr-3213	318	98	20.013	20.013	NUM
fsr-3213	318	99	have	have	VERB
fsr-3213	318	100	children	child	NOUN
fsr-3213	318	101	�	�	ADP
fsr-3213	318	102	c	c	NOUN
fsr-3213	318	103	0.115	0.115	NUM
fsr-3213	318	104	*	*	SYM
fsr-3213	318	105	1.122	1.122	NUM
fsr-3213	318	106	6.486	6.486	NUM
fsr-3213	318	107	0.117	0.117	NUM
fsr-3213	318	108	*	*	NOUN
fsr-3213	318	109	1.125	1.125	NUM
fsr-3213	318	110	6.692	6.692	NUM
fsr-3213	318	111	income	income	NOUN
fsr-3213	318	112	level	level	NOUN
fsr-3213	318	113	(	(	PUNCT
fsr-3213	318	114	reference	reference	NOUN
fsr-3213	318	115	category	category	NOUN
fsr-3213	318	116	:	:	PUNCT
fsr-3213	318	117	�	�	PROPN
fsr-3213	318	118	$	$	SYM
fsr-3213	318	119	50k	50k	NUM
fsr-3213	318	120	)	)	PUNCT
fsr-3213	318	121	$	$	SYM
fsr-3213	318	122	50,000	50,000	NUM
fsr-3213	318	123	to	to	PART
fsr-3213	318	124	$	$	SYM
fsr-3213	318	125	100,000	100,000	NUM
fsr-3213	318	126	�	�	NOUN
fsr-3213	318	127	h1	h1	VERB
fsr-3213	318	128	0.387	0.387	NOUN
fsr-3213	318	129	*	*	PUNCT
fsr-3213	318	130	*	*	PUNCT
fsr-3213	318	131	*	*	PUNCT
fsr-3213	318	132	1.473	1.473	NUM
fsr-3213	318	133	69.120	69.120	NUM
fsr-3213	318	134	0.357	0.357	NUM
fsr-3213	318	135	*	*	PUNCT
fsr-3213	318	136	*	*	PUNCT
fsr-3213	318	137	*	*	PUNCT
fsr-3213	319	1	1.429	1.429	NUM
fsr-3213	319	2	57.983	57.983	NUM
fsr-3213	319	3	more	more	ADJ
fsr-3213	319	4	than	than	ADP
fsr-3213	319	5	$	$	SYM
fsr-3213	319	6	100,000	100,000	NUM
fsr-3213	319	7	�	�	NOUN
fsr-3213	319	8	h1	h1	VERB
fsr-3213	319	9	0.587	0.587	NUM
fsr-3213	319	10	*	*	PUNCT
fsr-3213	319	11	*	*	PUNCT
fsr-3213	319	12	*	*	PUNCT
fsr-3213	319	13	1.799	1.799	NUM
fsr-3213	319	14	99.455	99.455	NUM
fsr-3213	319	15	0.502	0.502	NUM
fsr-3213	319	16	*	*	PUNCT
fsr-3213	319	17	*	*	PUNCT
fsr-3213	319	18	*	*	PUNCT
fsr-3213	319	19	1.652	1.652	NUM
fsr-3213	319	20	71.383	71.383	NUM
fsr-3213	319	21	assets	asset	NOUN
fsr-3213	319	22	(	(	PUNCT
fsr-3213	319	23	ln	ln	ADJ
fsr-3213	319	24	)	)	PUNCT
fsr-3213	319	25	�	�	NOUN
fsr-3213	319	26	h1	h1	VERB
fsr-3213	319	27	0.120	0.120	NUM
fsr-3213	319	28	*	*	PUNCT
fsr-3213	319	29	*	*	PUNCT
fsr-3213	319	30	*	*	X
fsr-3213	319	31	1.127	1.127	NUM
fsr-3213	319	32	274.201	274.201	NUM
fsr-3213	319	33	0.112	0.112	NUM
fsr-3213	319	34	*	*	PUNCT
fsr-3213	319	35	*	*	PUNCT
fsr-3213	319	36	*	*	PUNCT
fsr-3213	319	37	1.118	1.118	NUM
fsr-3213	319	38	237.217	237.217	NUM
fsr-3213	319	39	own	own	VERB
fsr-3213	319	40	a	a	DET
fsr-3213	319	41	house	house	PROPN
fsr-3213	319	42	�	�	PROPN
fsr-3213	319	43	h1	h1	PROPN
fsr-3213	319	44	0.174	0.174	NUM
fsr-3213	319	45	*	*	NOUN
fsr-3213	319	46	*	*	PUNCT
fsr-3213	319	47	1.190	1.190	NUM
fsr-3213	319	48	10.901	10.901	NUM
fsr-3213	319	49	0.159	0.159	NUM
fsr-3213	319	50	*	*	PUNCT
fsr-3213	319	51	*	*	PUNCT
fsr-3213	319	52	1.173	1.173	NUM
fsr-3213	319	53	9.051	9.051	NUM
fsr-3213	319	54	non	non	ADJ
fsr-3213	319	55	-	-	ADJ
fsr-3213	319	56	housing	housing	ADJ
fsr-3213	319	57	debt	debt	NOUN
fsr-3213	319	58	(	(	PUNCT
fsr-3213	319	59	ln	ln	ADJ
fsr-3213	319	60	)	)	PUNCT
fsr-3213	319	61	�	�	NOUN
fsr-3213	319	62	h2	h2	NOUN
fsr-3213	319	63	0.006	0.006	NUM
fsr-3213	319	64	1.006	1.006	NUM
fsr-3213	319	65	1.755	1.755	NUM
fsr-3213	319	66	0.013	0.013	NUM
fsr-3213	319	67	*	*	PUNCT
fsr-3213	319	68	*	*	PUNCT
fsr-3213	319	69	1.013	1.013	NUM
fsr-3213	319	70	8.588	8.588	NUM
fsr-3213	319	71	may	may	AUX
fsr-3213	319	72	lose	lose	VERB
fsr-3213	319	73	job	job	NOUN
fsr-3213	319	74	�	�	NOUN
fsr-3213	319	75	h2	h2	NOUN
fsr-3213	319	76	0.285	0.285	NUM
fsr-3213	319	77	*	*	PUNCT
fsr-3213	319	78	*	*	PUNCT
fsr-3213	319	79	*	*	PUNCT
fsr-3213	319	80	1.330	1.330	NUM
fsr-3213	319	81	22.949	22.949	NUM
fsr-3213	319	82	0.272	0.272	NUM
fsr-3213	319	83	*	*	PUNCT
fsr-3213	319	84	*	*	PUNCT
fsr-3213	319	85	*	*	PUNCT
fsr-3213	319	86	1.313	1.313	NUM
fsr-3213	319	87	20.968	20.968	NUM
fsr-3213	319	88	financial	financial	ADJ
fsr-3213	319	89	stress	stress	NOUN
fsr-3213	319	90	�	�	PROPN
fsr-3213	319	91	h2	h2	PROPN
fsr-3213	319	92	�	�	PROPN
fsr-3213	319	93	0.152	0.152	NUM
fsr-3213	319	94	*	*	PUNCT
fsr-3213	319	95	*	*	PUNCT
fsr-3213	319	96	*	*	PUNCT
fsr-3213	319	97	0.859	0.859	NUM
fsr-3213	319	98	48.933	48.933	NUM
fsr-3213	319	99	financial	financial	ADJ
fsr-3213	319	100	self	self	NOUN
fsr-3213	319	101	-	-	PUNCT
fsr-3213	319	102	efficacy	efficacy	NOUN
fsr-3213	319	103	�	�	NOUN
fsr-3213	319	104	h3	h3	VERB
fsr-3213	319	105	0.321	0.321	NOUN
fsr-3213	319	106	*	*	NOUN
fsr-3213	319	107	*	*	PUNCT
fsr-3213	319	108	*	*	PUNCT
fsr-3213	319	109	1.378	1.378	NUM
fsr-3213	319	110	215.405	215.405	NUM
fsr-3213	319	111	constant	constant	ADJ
fsr-3213	319	112	�	�	NOUN
fsr-3213	319	113	1.607	1.607	NUM
fsr-3213	319	114	*	*	PUNCT
fsr-3213	319	115	*	*	PUNCT
fsr-3213	319	116	*	*	PUNCT
fsr-3213	319	117	0.200	0.200	NUM
fsr-3213	319	118	275.985	275.985	NUM
fsr-3213	319	119	�	�	NOUN
fsr-3213	319	120	1.516	1.516	NUM
fsr-3213	319	121	*	*	PUNCT
fsr-3213	319	122	*	*	PUNCT
fsr-3213	319	123	*	*	PUNCT
fsr-3213	319	124	0.220	0.220	NUM
fsr-3213	319	125	242.666	242.666	NUM
fsr-3213	319	126	number	number	NOUN
fsr-3213	319	127	of	of	ADP
fsr-3213	319	128	observations	observation	NOUN
fsr-3213	319	129	14,068	14,068	NUM
fsr-3213	319	130	14,068	14,068	NUM
fsr-3213	319	131	nagelkerke	nagelkerke	NOUN
fsr-3213	319	132	r2	r2	PROPN
fsr-3213	319	133	(	(	PUNCT
fsr-3213	319	134	-2log	-2log	PROPN
fsr-3213	319	135	likelihood	likelihood	NOUN
fsr-3213	319	136	)	)	PUNCT
fsr-3213	319	137	.176	.176	NUM
fsr-3213	319	138	(	(	PUNCT
fsr-3213	319	139	16,785.72	16,785.72	NUM
fsr-3213	319	140	)	)	PUNCT
fsr-3213	319	141	.190	.190	NUM
fsr-3213	319	142	(	(	PUNCT
fsr-3213	319	143	16,614.98	16,614.98	NOUN
fsr-3213	319	144	)	)	PUNCT
fsr-3213	319	145	likelihood	likelihood	NOUN
fsr-3213	319	146	ratio	ratio	NOUN
fsr-3213	319	147	test	test	NOUN
fsr-3213	319	148	:	:	PUNCT
fsr-3213	319	149	�	�	X
fsr-3213	319	150	2	2	NUM
fsr-3213	319	151	(	(	PUNCT
fsr-3213	319	152	df	df	NOUN
fsr-3213	319	153	)	)	PUNCT
fsr-3213	319	154	1,946.59	1,946.59	NUM
fsr-3213	319	155	(	(	PUNCT
fsr-3213	319	156	19	19	NUM
fsr-3213	319	157	)	)	PUNCT
fsr-3213	319	158	*	*	PUNCT
fsr-3213	320	1	*	*	PUNCT
fsr-3213	320	2	*	*	PUNCT
fsr-3213	320	3	2,210.33	2,210.33	NUM
fsr-3213	320	4	(	(	PUNCT
fsr-3213	320	5	19	19	NUM
fsr-3213	320	6	)	)	PUNCT
fsr-3213	320	7	*	*	PUNCT
fsr-3213	321	1	*	*	PUNCT
fsr-3213	321	2	*	*	PUNCT
fsr-3213	321	3	*	*	PUNCT
fsr-3213	321	4	p	p	X
fsr-3213	321	5	�	�	PROPN
fsr-3213	321	6	0.05	0.05	NUM
fsr-3213	321	7	;	;	PUNCT
fsr-3213	321	8	*	*	PUNCT
fsr-3213	321	9	*	*	PUNCT
fsr-3213	321	10	p	p	X
fsr-3213	321	11	�	�	PROPN
fsr-3213	321	12	0.01	0.01	NUM
fsr-3213	321	13	;	;	PUNCT
fsr-3213	321	14	*	*	PUNCT
fsr-3213	321	15	*	*	PUNCT
fsr-3213	321	16	*	*	PUNCT
fsr-3213	321	17	p	p	PROPN
fsr-3213	321	18	�	�	PROPN
fsr-3213	321	19	0.001	0.001	NUM
fsr-3213	321	20	.	.	PUNCT
fsr-3213	321	21	119j	119j	PROPN
fsr-3213	321	22	.	.	PUNCT
fsr-3213	322	1	letkiewicz	letkiewicz	PROPN
fsr-3213	322	2	et	et	PROPN
fsr-3213	322	3	al	al	PROPN
fsr-3213	322	4	.	.	PUNCT
fsr-3213	322	5	/	/	SYM
fsr-3213	322	6	financial	financial	ADJ
fsr-3213	322	7	services	service	NOUN
fsr-3213	322	8	review	review	VERB
fsr-3213	322	9	25	25	NUM
fsr-3213	322	10	(	(	PUNCT
fsr-3213	322	11	2016	2016	NUM
fsr-3213	322	12	)	)	PUNCT
fsr-3213	322	13	105–126	105–126	NUM
fsr-3213	322	14	respect	respect	NOUN
fsr-3213	322	15	to	to	ADP
fsr-3213	322	16	personal	personal	ADJ
fsr-3213	322	17	finances	finance	NOUN
fsr-3213	322	18	.	.	PUNCT
fsr-3213	323	1	we	we	PRON
fsr-3213	323	2	expect	expect	VERB
fsr-3213	323	3	that	that	SCONJ
fsr-3213	323	4	use	use	NOUN
fsr-3213	323	5	of	of	ADP
fsr-3213	323	6	a	a	DET
fsr-3213	323	7	financial	financial	ADJ
fsr-3213	323	8	planner	planner	NOUN
fsr-3213	323	9	is	be	AUX
fsr-3213	323	10	positively	positively	ADV
fsr-3213	323	11	correlated	correlate	VERB
fsr-3213	323	12	with	with	ADP
fsr-3213	323	13	se	se	ADV
fsr-3213	323	14	—	—	PUNCT
fsr-3213	323	15	that	that	ADV
fsr-3213	323	16	is	is	ADV
fsr-3213	323	17	,	,	PUNCT
fsr-3213	323	18	someone	someone	PRON
fsr-3213	323	19	using	use	VERB
fsr-3213	323	20	a	a	DET
fsr-3213	323	21	financial	financial	ADJ
fsr-3213	323	22	planner	planner	NOUN
fsr-3213	323	23	will	will	AUX
fsr-3213	323	24	have	have	VERB
fsr-3213	323	25	more	more	ADJ
fsr-3213	323	26	confidence	confidence	NOUN
fsr-3213	323	27	in	in	ADP
fsr-3213	323	28	their	their	PRON
fsr-3213	323	29	financial	financial	ADJ
fsr-3213	323	30	affairs	affair	NOUN
fsr-3213	323	31	.	.	PUNCT
fsr-3213	324	1	the	the	DET
fsr-3213	324	2	coefficient	coefficient	NOUN
fsr-3213	324	3	is	be	AUX
fsr-3213	324	4	significant	significant	ADJ
fsr-3213	324	5	and	and	CCONJ
fsr-3213	324	6	positive	positive	ADJ
fsr-3213	324	7	in	in	ADP
fsr-3213	324	8	model	model	NOUN
fsr-3213	324	9	1b	1b	NUM
fsr-3213	324	10	,	,	PUNCT
fsr-3213	324	11	and	and	CCONJ
fsr-3213	324	12	the	the	DET
fsr-3213	324	13	odds	odd	NOUN
fsr-3213	324	14	ratio	ratio	NOUN
fsr-3213	324	15	is	be	AUX
fsr-3213	324	16	quite	quite	ADV
fsr-3213	324	17	high	high	ADJ
fsr-3213	324	18	thus	thus	ADV
fsr-3213	324	19	finding	find	VERB
fsr-3213	324	20	support	support	NOUN
fsr-3213	324	21	for	for	ADP
fsr-3213	324	22	hypothesis	hypothesis	NOUN
fsr-3213	324	23	3a	3a	NUM
fsr-3213	324	24	.	.	PUNCT
fsr-3213	325	1	it	it	PRON
fsr-3213	325	2	should	should	AUX
fsr-3213	325	3	be	be	AUX
fsr-3213	325	4	noted	note	VERB
fsr-3213	325	5	that	that	SCONJ
fsr-3213	325	6	the	the	DET
fsr-3213	325	7	wald	wald	PROPN
fsr-3213	325	8	statistic	statistic	PROPN
fsr-3213	325	9	for	for	ADP
fsr-3213	325	10	se	se	X
fsr-3213	325	11	is	be	AUX
fsr-3213	325	12	high	high	ADJ
fsr-3213	325	13	and	and	CCONJ
fsr-3213	325	14	only	only	ADV
fsr-3213	325	15	the	the	DET
fsr-3213	325	16	constant	constant	ADJ
fsr-3213	325	17	term	term	NOUN
fsr-3213	325	18	and	and	CCONJ
fsr-3213	325	19	assets	asset	NOUN
fsr-3213	325	20	have	have	VERB
fsr-3213	325	21	higher	high	ADJ
fsr-3213	325	22	wald	wald	NOUN
fsr-3213	325	23	values	value	NOUN
fsr-3213	325	24	.	.	PUNCT
fsr-3213	326	1	7.3	7.3	NUM
fsr-3213	326	2	.	.	PUNCT
fsr-3213	327	1	multinomial	multinomial	ADJ
fsr-3213	327	2	regression	regression	NOUN
fsr-3213	327	3	results	result	VERB
fsr-3213	327	4	the	the	DET
fsr-3213	327	5	next	next	ADJ
fsr-3213	327	6	step	step	NOUN
fsr-3213	327	7	of	of	ADP
fsr-3213	327	8	the	the	DET
fsr-3213	327	9	analysis	analysis	NOUN
fsr-3213	327	10	is	be	AUX
fsr-3213	327	11	to	to	PART
fsr-3213	327	12	test	test	VERB
fsr-3213	327	13	the	the	DET
fsr-3213	327	14	help	help	NOUN
fsr-3213	327	15	-	-	PUNCT
fsr-3213	327	16	seeking	seek	VERB
fsr-3213	327	17	hypotheses	hypothesis	NOUN
fsr-3213	327	18	—	—	PUNCT
fsr-3213	327	19	whether	whether	SCONJ
fsr-3213	327	20	stress	stress	NOUN
fsr-3213	327	21	or	or	CCONJ
fsr-3213	327	22	se	se	ADV
fsr-3213	327	23	lead	lead	VERB
fsr-3213	327	24	one	one	NUM
fsr-3213	327	25	to	to	PART
fsr-3213	327	26	seek	seek	VERB
fsr-3213	327	27	financial	financial	ADJ
fsr-3213	327	28	help	help	NOUN
fsr-3213	327	29	(	(	PUNCT
fsr-3213	327	30	hypothesis	hypothesis	NOUN
fsr-3213	327	31	2b	2b	NOUN
fsr-3213	327	32	and	and	CCONJ
fsr-3213	327	33	hypothesis	hypothesis	NOUN
fsr-3213	327	34	3b	3b	NUM
fsr-3213	327	35	)	)	PUNCT
fsr-3213	327	36	.	.	PUNCT
fsr-3213	328	1	the	the	DET
fsr-3213	328	2	panel	panel	NOUN
fsr-3213	328	3	portion	portion	NOUN
fsr-3213	328	4	of	of	ADP
fsr-3213	328	5	the	the	DET
fsr-3213	328	6	data	datum	NOUN
fsr-3213	328	7	,	,	PUNCT
fsr-3213	328	8	as	as	SCONJ
fsr-3213	328	9	discussed	discuss	VERB
fsr-3213	328	10	earlier	early	ADV
fsr-3213	328	11	,	,	PUNCT
fsr-3213	328	12	was	be	AUX
fsr-3213	328	13	used	use	VERB
fsr-3213	328	14	in	in	ADP
fsr-3213	328	15	this	this	DET
fsr-3213	328	16	step	step	NOUN
fsr-3213	328	17	.	.	PUNCT
fsr-3213	329	1	to	to	PART
fsr-3213	329	2	test	test	NOUN
fsr-3213	329	3	direction	direction	NOUN
fsr-3213	329	4	,	,	PUNCT
fsr-3213	329	5	the	the	DET
fsr-3213	329	6	sample	sample	NOUN
fsr-3213	329	7	was	be	AUX
fsr-3213	329	8	split	split	VERB
fsr-3213	329	9	into	into	ADP
fsr-3213	329	10	four	four	NUM
fsr-3213	329	11	groups	group	NOUN
fsr-3213	329	12	:	:	PUNCT
fsr-3213	329	13	(	(	PUNCT
fsr-3213	329	14	1	1	X
fsr-3213	329	15	)	)	PUNCT
fsr-3213	329	16	those	those	PRON
fsr-3213	329	17	who	who	PRON
fsr-3213	329	18	used	use	VERB
fsr-3213	329	19	a	a	DET
fsr-3213	329	20	planner	planner	NOUN
fsr-3213	329	21	in	in	ADP
fsr-3213	329	22	all	all	DET
fsr-3213	329	23	three	three	NUM
fsr-3213	329	24	waves	wave	NOUN
fsr-3213	329	25	;	;	PUNCT
fsr-3213	329	26	(	(	PUNCT
fsr-3213	329	27	2	2	X
fsr-3213	329	28	)	)	PUNCT
fsr-3213	329	29	those	those	PRON
fsr-3213	329	30	who	who	PRON
fsr-3213	329	31	did	do	AUX
fsr-3213	329	32	not	not	PART
fsr-3213	329	33	use	use	VERB
fsr-3213	329	34	a	a	DET
fsr-3213	329	35	planner	planner	NOUN
fsr-3213	329	36	in	in	ADP
fsr-3213	329	37	w1	w1	NOUN
fsr-3213	329	38	or	or	CCONJ
fsr-3213	329	39	w2	w2	NOUN
fsr-3213	329	40	but	but	CCONJ
fsr-3213	329	41	adopted	adopt	VERB
fsr-3213	329	42	a	a	DET
fsr-3213	329	43	planner	planner	NOUN
fsr-3213	329	44	in	in	ADP
fsr-3213	329	45	w2	w2	NOUN
fsr-3213	329	46	or	or	CCONJ
fsr-3213	329	47	w3	w3	PROPN
fsr-3213	329	48	,	,	PUNCT
fsr-3213	329	49	respectively	respectively	ADV
fsr-3213	329	50	;	;	PUNCT
fsr-3213	329	51	(	(	PUNCT
fsr-3213	329	52	3	3	X
fsr-3213	329	53	)	)	PUNCT
fsr-3213	329	54	those	those	PRON
fsr-3213	329	55	who	who	PRON
fsr-3213	329	56	used	use	VERB
fsr-3213	329	57	a	a	DET
fsr-3213	329	58	planner	planner	NOUN
fsr-3213	329	59	in	in	ADP
fsr-3213	329	60	w1	w1	NOUN
fsr-3213	329	61	or	or	CCONJ
fsr-3213	329	62	w2	w2	NOUN
fsr-3213	329	63	,	,	PUNCT
fsr-3213	329	64	but	but	CCONJ
fsr-3213	329	65	did	do	AUX
fsr-3213	329	66	not	not	PART
fsr-3213	329	67	report	report	VERB
fsr-3213	329	68	using	use	VERB
fsr-3213	329	69	one	one	NUM
fsr-3213	329	70	in	in	ADP
fsr-3213	329	71	w2	w2	NOUN
fsr-3213	329	72	or	or	CCONJ
fsr-3213	329	73	w3	w3	PROPN
fsr-3213	329	74	,	,	PUNCT
fsr-3213	329	75	respectively	respectively	ADV
fsr-3213	329	76	;	;	PUNCT
fsr-3213	329	77	and	and	CCONJ
fsr-3213	329	78	(	(	PUNCT
fsr-3213	329	79	4	4	X
fsr-3213	329	80	)	)	PUNCT
fsr-3213	329	81	those	those	PRON
fsr-3213	329	82	who	who	PRON
fsr-3213	329	83	reported	report	VERB
fsr-3213	329	84	not	not	PART
fsr-3213	329	85	using	use	VERB
fsr-3213	329	86	a	a	DET
fsr-3213	329	87	planner	planner	NOUN
fsr-3213	329	88	in	in	ADP
fsr-3213	329	89	all	all	DET
fsr-3213	329	90	three	three	NUM
fsr-3213	329	91	waves	wave	NOUN
fsr-3213	329	92	.	.	PUNCT
fsr-3213	330	1	the	the	DET
fsr-3213	330	2	groups	group	NOUN
fsr-3213	330	3	of	of	ADP
fsr-3213	330	4	most	most	ADJ
fsr-3213	330	5	interest	interest	NOUN
fsr-3213	330	6	are	be	AUX
fsr-3213	330	7	those	those	PRON
fsr-3213	330	8	who	who	PRON
fsr-3213	330	9	adopted	adopt	VERB
fsr-3213	330	10	a	a	DET
fsr-3213	330	11	planner	planner	NOUN
fsr-3213	330	12	compared	compare	VERB
fsr-3213	330	13	with	with	ADP
fsr-3213	330	14	those	those	PRON
fsr-3213	330	15	who	who	PRON
fsr-3213	330	16	did	do	VERB
fsr-3213	330	17	not	not	PART
fsr-3213	330	18	.	.	PUNCT
fsr-3213	331	1	we	we	PRON
fsr-3213	331	2	can	can	AUX
fsr-3213	331	3	use	use	VERB
fsr-3213	331	4	the	the	DET
fsr-3213	331	5	measures	measure	NOUN
fsr-3213	331	6	of	of	ADP
fsr-3213	331	7	se	se	X
fsr-3213	331	8	and	and	CCONJ
fsr-3213	331	9	stress	stress	NOUN
fsr-3213	331	10	in	in	ADP
fsr-3213	331	11	the	the	DET
fsr-3213	331	12	initial	initial	ADJ
fsr-3213	331	13	period	period	NOUN
fsr-3213	331	14	to	to	PART
fsr-3213	331	15	compare	compare	VERB
fsr-3213	331	16	these	these	DET
fsr-3213	331	17	two	two	NUM
fsr-3213	331	18	groups	group	NOUN
fsr-3213	331	19	.	.	PUNCT
fsr-3213	332	1	did	do	AUX
fsr-3213	332	2	those	those	PRON
fsr-3213	332	3	who	who	PRON
fsr-3213	332	4	adopted	adopt	VERB
fsr-3213	332	5	a	a	DET
fsr-3213	332	6	planner	planner	NOUN
fsr-3213	332	7	in	in	ADP
fsr-3213	332	8	a	a	DET
fsr-3213	332	9	subsequent	subsequent	ADJ
fsr-3213	332	10	period	period	NOUN
fsr-3213	332	11	have	have	VERB
fsr-3213	332	12	higher	high	ADJ
fsr-3213	332	13	se	se	ADV
fsr-3213	332	14	or	or	CCONJ
fsr-3213	332	15	stress	stress	NOUN
fsr-3213	332	16	when	when	SCONJ
fsr-3213	332	17	compared	compare	VERB
fsr-3213	332	18	to	to	ADP
fsr-3213	332	19	someone	someone	PRON
fsr-3213	332	20	who	who	PRON
fsr-3213	332	21	did	do	AUX
fsr-3213	332	22	not	not	PART
fsr-3213	332	23	adopt	adopt	VERB
fsr-3213	332	24	a	a	DET
fsr-3213	332	25	planner	planner	NOUN
fsr-3213	332	26	in	in	ADP
fsr-3213	332	27	the	the	DET
fsr-3213	332	28	subsequent	subsequent	ADJ
fsr-3213	332	29	period	period	NOUN
fsr-3213	332	30	?	?	PUNCT
fsr-3213	333	1	a	a	DET
fsr-3213	333	2	multinomial	multinomial	ADJ
fsr-3213	333	3	logit	logit	NOUN
fsr-3213	333	4	was	be	AUX
fsr-3213	333	5	used	use	VERB
fsr-3213	333	6	to	to	PART
fsr-3213	333	7	compare	compare	VERB
fsr-3213	333	8	the	the	DET
fsr-3213	333	9	two	two	NUM
fsr-3213	333	10	groups	group	NOUN
fsr-3213	333	11	(	(	PUNCT
fsr-3213	333	12	those	those	PRON
fsr-3213	333	13	who	who	PRON
fsr-3213	333	14	adopted	adopt	VERB
fsr-3213	333	15	a	a	DET
fsr-3213	333	16	planner	planner	NOUN
fsr-3213	333	17	in	in	ADP
fsr-3213	333	18	one	one	NUM
fsr-3213	333	19	period	period	NOUN
fsr-3213	333	20	vs.	vs.	ADP
fsr-3213	333	21	those	those	PRON
fsr-3213	333	22	who	who	PRON
fsr-3213	333	23	did	do	VERB
fsr-3213	333	24	not	not	PART
fsr-3213	333	25	)	)	PUNCT
fsr-3213	333	26	over	over	ADP
fsr-3213	333	27	two	two	NUM
fsr-3213	333	28	time	time	NOUN
fsr-3213	333	29	periods	period	NOUN
fsr-3213	333	30	using	use	VERB
fsr-3213	333	31	the	the	DET
fsr-3213	333	32	panel	panel	NOUN
fsr-3213	333	33	portion	portion	NOUN
fsr-3213	333	34	of	of	ADP
fsr-3213	333	35	the	the	DET
fsr-3213	333	36	dataset	dataset	NOUN
fsr-3213	333	37	.	.	PUNCT
fsr-3213	334	1	results	result	NOUN
fsr-3213	334	2	from	from	ADP
fsr-3213	334	3	the	the	DET
fsr-3213	334	4	multinomial	multinomial	ADJ
fsr-3213	334	5	analysis	analysis	NOUN
fsr-3213	334	6	are	be	AUX
fsr-3213	334	7	shown	show	VERB
fsr-3213	334	8	in	in	ADP
fsr-3213	334	9	table	table	NOUN
fsr-3213	334	10	5	5	NUM
fsr-3213	334	11	.	.	PUNCT
fsr-3213	335	1	the	the	DET
fsr-3213	335	2	findings	finding	NOUN
fsr-3213	335	3	indicate	indicate	VERB
fsr-3213	335	4	that	that	SCONJ
fsr-3213	335	5	individuals	individual	NOUN
fsr-3213	335	6	who	who	PRON
fsr-3213	335	7	adopt	adopt	VERB
fsr-3213	335	8	a	a	DET
fsr-3213	335	9	planner	planner	NOUN
fsr-3213	335	10	in	in	ADP
fsr-3213	335	11	period	period	NOUN
fsr-3213	335	12	t	t	PROPN
fsr-3213	335	13	had	have	VERB
fsr-3213	335	14	higher	high	ADJ
fsr-3213	335	15	self	self	NOUN
fsr-3213	335	16	-	-	PUNCT
fsr-3213	335	17	efficacy	efficacy	NOUN
fsr-3213	335	18	in	in	ADP
fsr-3213	335	19	period	period	NOUN
fsr-3213	335	20	t-1	t-1	PROPN
fsr-3213	335	21	than	than	ADP
fsr-3213	335	22	people	people	NOUN
fsr-3213	335	23	who	who	PRON
fsr-3213	335	24	did	do	AUX
fsr-3213	335	25	not	not	PART
fsr-3213	335	26	adopt	adopt	VERB
fsr-3213	335	27	a	a	DET
fsr-3213	335	28	planner	planner	NOUN
fsr-3213	335	29	.	.	PUNCT
fsr-3213	336	1	the	the	DET
fsr-3213	336	2	control	control	NOUN
fsr-3213	336	3	variables	variable	VERB
fsr-3213	336	4	in	in	ADP
fsr-3213	336	5	the	the	DET
fsr-3213	336	6	multinomial	multinomial	ADJ
fsr-3213	336	7	models	model	NOUN
fsr-3213	336	8	are	be	AUX
fsr-3213	336	9	the	the	DET
fsr-3213	336	10	same	same	ADJ
fsr-3213	336	11	variables	variable	NOUN
fsr-3213	336	12	used	use	VERB
fsr-3213	336	13	in	in	ADP
fsr-3213	336	14	the	the	DET
fsr-3213	336	15	logistic	logistic	ADJ
fsr-3213	336	16	regression	regression	NOUN
fsr-3213	336	17	models	model	NOUN
fsr-3213	336	18	.	.	PUNCT
fsr-3213	337	1	the	the	DET
fsr-3213	337	2	result	result	NOUN
fsr-3213	337	3	is	be	AUX
fsr-3213	337	4	consistent	consistent	ADJ
fsr-3213	337	5	for	for	ADP
fsr-3213	337	6	those	those	PRON
fsr-3213	337	7	who	who	PRON
fsr-3213	337	8	adopted	adopt	VERB
fsr-3213	337	9	a	a	DET
fsr-3213	337	10	planner	planner	NOUN
fsr-3213	337	11	in	in	ADP
fsr-3213	337	12	wave	wave	NOUN
fsr-3213	337	13	2	2	NUM
fsr-3213	337	14	and	and	CCONJ
fsr-3213	337	15	wave	wave	NOUN
fsr-3213	337	16	3	3	NUM
fsr-3213	337	17	.	.	PUNCT
fsr-3213	338	1	this	this	PRON
fsr-3213	338	2	provides	provide	VERB
fsr-3213	338	3	some	some	DET
fsr-3213	338	4	evidence	evidence	NOUN
fsr-3213	338	5	that	that	SCONJ
fsr-3213	338	6	higher	high	ADJ
fsr-3213	338	7	self	self	NOUN
fsr-3213	338	8	-	-	PUNCT
fsr-3213	338	9	efficacy	efficacy	NOUN
fsr-3213	338	10	is	be	AUX
fsr-3213	338	11	associated	associate	VERB
fsr-3213	338	12	with	with	ADP
fsr-3213	338	13	the	the	DET
fsr-3213	338	14	decision	decision	NOUN
fsr-3213	338	15	to	to	PART
fsr-3213	338	16	seek	seek	VERB
fsr-3213	338	17	financial	financial	ADJ
fsr-3213	338	18	planning	planning	NOUN
fsr-3213	338	19	help	help	NOUN
fsr-3213	338	20	,	,	PUNCT
fsr-3213	338	21	thus	thus	ADV
fsr-3213	338	22	we	we	PRON
fsr-3213	338	23	can	can	AUX
fsr-3213	338	24	not	not	PART
fsr-3213	338	25	reject	reject	VERB
fsr-3213	338	26	hypothesis	hypothesis	NOUN
fsr-3213	338	27	3b	3b	NOUN
fsr-3213	338	28	and	and	CCONJ
fsr-3213	338	29	the	the	DET
fsr-3213	338	30	support	support	NOUN
fsr-3213	338	31	for	for	ADP
fsr-3213	338	32	it	it	PRON
fsr-3213	338	33	seems	seem	VERB
fsr-3213	338	34	quite	quite	ADV
fsr-3213	338	35	strong	strong	ADJ
fsr-3213	338	36	.	.	PUNCT
fsr-3213	339	1	the	the	DET
fsr-3213	339	2	same	same	ADJ
fsr-3213	339	3	pattern	pattern	NOUN
fsr-3213	339	4	is	be	AUX
fsr-3213	339	5	not	not	PART
fsr-3213	339	6	evident	evident	ADJ
fsr-3213	339	7	for	for	ADP
fsr-3213	339	8	stress	stress	NOUN
fsr-3213	339	9	which	which	PRON
fsr-3213	339	10	leads	lead	VERB
fsr-3213	339	11	us	we	PRON
fsr-3213	339	12	to	to	PART
fsr-3213	339	13	reject	reject	VERB
fsr-3213	339	14	hypothesis	hypothesis	NOUN
fsr-3213	339	15	2b	2b	NOUN
fsr-3213	339	16	.	.	PUNCT
fsr-3213	340	1	while	while	SCONJ
fsr-3213	340	2	measures	measure	NOUN
fsr-3213	340	3	of	of	ADP
fsr-3213	340	4	stress	stress	NOUN
fsr-3213	340	5	are	be	AUX
fsr-3213	340	6	higher	high	ADJ
fsr-3213	340	7	for	for	ADP
fsr-3213	340	8	those	those	PRON
fsr-3213	340	9	who	who	PRON
fsr-3213	340	10	seek	seek	VERB
fsr-3213	340	11	help	help	NOUN
fsr-3213	340	12	,	,	PUNCT
fsr-3213	340	13	the	the	DET
fsr-3213	340	14	effect	effect	NOUN
fsr-3213	340	15	is	be	AUX
fsr-3213	340	16	not	not	PART
fsr-3213	340	17	significant	significant	ADJ
fsr-3213	340	18	,	,	PUNCT
fsr-3213	340	19	and	and	CCONJ
fsr-3213	340	20	thus	thus	ADV
fsr-3213	340	21	,	,	PUNCT
fsr-3213	340	22	we	we	PRON
fsr-3213	340	23	do	do	AUX
fsr-3213	340	24	not	not	PART
fsr-3213	340	25	find	find	VERB
fsr-3213	340	26	evidence	evidence	NOUN
fsr-3213	340	27	that	that	SCONJ
fsr-3213	340	28	stress	stress	NOUN
fsr-3213	340	29	is	be	AUX
fsr-3213	340	30	a	a	DET
fsr-3213	340	31	motivating	motivating	NOUN
fsr-3213	340	32	factor	factor	NOUN
fsr-3213	340	33	for	for	ADP
fsr-3213	340	34	seeking	seek	VERB
fsr-3213	340	35	financial	financial	ADJ
fsr-3213	340	36	help	help	NOUN
fsr-3213	340	37	.	.	PUNCT
fsr-3213	341	1	limitations	limitation	NOUN
fsr-3213	341	2	in	in	ADP
fsr-3213	341	3	the	the	DET
fsr-3213	341	4	dataset	dataset	NOUN
fsr-3213	341	5	do	do	AUX
fsr-3213	341	6	not	not	PART
fsr-3213	341	7	allow	allow	VERB
fsr-3213	341	8	for	for	ADP
fsr-3213	341	9	a	a	DET
fsr-3213	341	10	multinomial	multinomial	ADJ
fsr-3213	341	11	analysis	analysis	NOUN
fsr-3213	341	12	of	of	ADP
fsr-3213	341	13	objective	objective	ADJ
fsr-3213	341	14	stress	stress	NOUN
fsr-3213	341	15	,	,	PUNCT
fsr-3213	341	16	so	so	SCONJ
fsr-3213	341	17	we	we	PRON
fsr-3213	341	18	can	can	AUX
fsr-3213	341	19	only	only	ADV
fsr-3213	341	20	conclude	conclude	VERB
fsr-3213	341	21	that	that	SCONJ
fsr-3213	341	22	those	those	PRON
fsr-3213	341	23	using	use	VERB
fsr-3213	341	24	a	a	DET
fsr-3213	341	25	financial	financial	ADJ
fsr-3213	341	26	planner	planner	NOUN
fsr-3213	341	27	are	be	AUX
fsr-3213	341	28	more	more	ADV
fsr-3213	341	29	likely	likely	ADJ
fsr-3213	341	30	to	to	PART
fsr-3213	341	31	exhibit	exhibit	VERB
fsr-3213	341	32	signs	sign	NOUN
fsr-3213	341	33	of	of	ADP
fsr-3213	341	34	objective	objective	ADJ
fsr-3213	341	35	stress	stress	NOUN
fsr-3213	341	36	.	.	PUNCT
fsr-3213	342	1	table	table	NOUN
fsr-3213	342	2	5	5	NUM
fsr-3213	342	3	multinomial	multinomial	ADJ
fsr-3213	342	4	results	result	NOUN
fsr-3213	342	5	for	for	ADP
fsr-3213	342	6	likelihood	likelihood	NOUN
fsr-3213	342	7	of	of	ADP
fsr-3213	342	8	adopting	adopt	VERB
fsr-3213	342	9	a	a	DET
fsr-3213	342	10	planner	planner	NOUN
fsr-3213	342	11	in	in	ADP
fsr-3213	342	12	t	t	NOUN
fsr-3213	342	13	given	give	VERB
fsr-3213	342	14	se	se	PROPN
fsr-3213	342	15	measure	measure	NOUN
fsr-3213	342	16	in	in	ADP
fsr-3213	342	17	t-1	t-1	PROPN
fsr-3213	342	18	�	�	PROPN
fsr-3213	342	19	se	se	PROPN
fsr-3213	342	20	odds	odd	VERB
fsr-3213	342	21	ratio	ratio	NOUN
fsr-3213	342	22	p	p	NOUN
fsr-3213	342	23	value	value	NOUN
fsr-3213	342	24	wave	wave	NOUN
fsr-3213	342	25	2	2	NUM
fsr-3213	342	26	:	:	PUNCT
fsr-3213	342	27	adopted	adopt	VERB
fsr-3213	342	28	a	a	DET
fsr-3213	342	29	planner	planner	NOUN
fsr-3213	342	30	in	in	ADP
fsr-3213	342	31	t	t	PROPN
fsr-3213	342	32	(	(	PUNCT
fsr-3213	342	33	n	n	X
fsr-3213	342	34	�	�	PROPN
fsr-3213	342	35	41	41	NUM
fsr-3213	342	36	)	)	PUNCT
fsr-3213	342	37	self	self	NOUN
fsr-3213	342	38	-	-	PUNCT
fsr-3213	342	39	efficacyt-1	efficacyt-1	NUM
fsr-3213	342	40	.576	.576	NUM
fsr-3213	342	41	.267	.267	NUM
fsr-3213	342	42	1.778	1.778	NUM
fsr-3213	342	43	.016	.016	NUM
fsr-3213	342	44	stresst-1	stresst-1	NUM
fsr-3213	342	45	.436	.436	NUM
fsr-3213	342	46	.276	.276	NUM
fsr-3213	342	47	1.546	1.546	NUM
fsr-3213	342	48	.057	.057	NUM
fsr-3213	342	49	wave	wave	NOUN
fsr-3213	342	50	3	3	NUM
fsr-3213	342	51	:	:	PUNCT
fsr-3213	342	52	adopted	adopt	VERB
fsr-3213	342	53	a	a	DET
fsr-3213	342	54	planner	planner	NOUN
fsr-3213	342	55	in	in	ADP
fsr-3213	342	56	t	t	PROPN
fsr-3213	342	57	�	�	PROPN
fsr-3213	342	58	1(n	1(n	NUM
fsr-3213	342	59	�	�	PROPN
fsr-3213	342	60	48	48	NUM
fsr-3213	342	61	)	)	PUNCT
fsr-3213	342	62	self	self	NOUN
fsr-3213	342	63	-	-	PUNCT
fsr-3213	342	64	efficacyt	efficacyt	NOUN
fsr-3213	342	65	.535	.535	NUM
fsr-3213	342	66	.277	.277	NUM
fsr-3213	342	67	1.707	1.707	NUM
fsr-3213	342	68	.027	.027	NUM
fsr-3213	342	69	stresst	stresst	NOUN
fsr-3213	342	70	.267	.267	NUM
fsr-3213	342	71	.269	.269	NUM
fsr-3213	342	72	1.306	1.306	NUM
fsr-3213	342	73	.161	.161	NUM
fsr-3213	343	1	all	all	DET
fsr-3213	343	2	variables	variable	NOUN
fsr-3213	343	3	in	in	ADP
fsr-3213	343	4	the	the	DET
fsr-3213	343	5	logistic	logistic	ADJ
fsr-3213	343	6	regressions	regression	NOUN
fsr-3213	343	7	were	be	AUX
fsr-3213	343	8	included	include	VERB
fsr-3213	343	9	as	as	ADP
fsr-3213	343	10	control	control	NOUN
fsr-3213	343	11	variables	variable	NOUN
fsr-3213	343	12	.	.	PUNCT
fsr-3213	344	1	reference	reference	NOUN
fsr-3213	344	2	group	group	NOUN
fsr-3213	344	3	is	be	AUX
fsr-3213	344	4	no	no	DET
fsr-3213	344	5	planner	planner	NOUN
fsr-3213	344	6	.	.	PUNCT
fsr-3213	345	1	sample	sample	NOUN
fsr-3213	345	2	size	size	NOUN
fsr-3213	345	3	for	for	ADP
fsr-3213	345	4	no	no	DET
fsr-3213	345	5	planner	planner	NOUN
fsr-3213	345	6	(	(	PUNCT
fsr-3213	345	7	comparison	comparison	NOUN
fsr-3213	345	8	group	group	NOUN
fsr-3213	345	9	)	)	PUNCT
fsr-3213	345	10	was	be	AUX
fsr-3213	345	11	228	228	NUM
fsr-3213	345	12	in	in	ADP
fsr-3213	345	13	w2	w2	NOUN
fsr-3213	345	14	and	and	CCONJ
fsr-3213	345	15	284	284	NUM
fsr-3213	345	16	in	in	ADP
fsr-3213	345	17	w3	w3	PROPN
fsr-3213	345	18	.	.	PUNCT
fsr-3213	346	1	120	120	NUM
fsr-3213	346	2	j.	j.	PROPN
fsr-3213	346	3	letkiewicz	letkiewicz	PROPN
fsr-3213	346	4	et	et	PROPN
fsr-3213	346	5	al	al	PROPN
fsr-3213	346	6	.	.	PUNCT
fsr-3213	346	7	/	/	SYM
fsr-3213	346	8	financial	financial	ADJ
fsr-3213	346	9	services	service	NOUN
fsr-3213	346	10	review	review	VERB
fsr-3213	346	11	25	25	NUM
fsr-3213	346	12	(	(	PUNCT
fsr-3213	346	13	2016	2016	NUM
fsr-3213	346	14	)	)	PUNCT
fsr-3213	346	15	105–126	105–126	NOUN
fsr-3213	346	16	a	a	DET
fsr-3213	346	17	robustness	robustness	NOUN
fsr-3213	346	18	check	check	NOUN
fsr-3213	346	19	was	be	AUX
fsr-3213	346	20	run	run	VERB
fsr-3213	346	21	to	to	PART
fsr-3213	346	22	further	far	ADV
fsr-3213	346	23	probe	probe	VERB
fsr-3213	346	24	the	the	DET
fsr-3213	346	25	se	se	PROPN
fsr-3213	346	26	finding	finding	PROPN
fsr-3213	346	27	.	.	PUNCT
fsr-3213	347	1	so	so	ADV
fsr-3213	347	2	far	far	ADV
fsr-3213	347	3	,	,	PUNCT
fsr-3213	347	4	we	we	PRON
fsr-3213	347	5	know	know	VERB
fsr-3213	347	6	that	that	SCONJ
fsr-3213	347	7	se	se	PROPN
fsr-3213	347	8	is	be	AUX
fsr-3213	347	9	positively	positively	ADV
fsr-3213	347	10	correlated	correlate	VERB
fsr-3213	347	11	with	with	ADP
fsr-3213	347	12	use	use	NOUN
fsr-3213	347	13	of	of	ADP
fsr-3213	347	14	a	a	DET
fsr-3213	347	15	planner	planner	NOUN
fsr-3213	347	16	and	and	CCONJ
fsr-3213	347	17	help	help	AUX
fsr-3213	347	18	-	-	PUNCT
fsr-3213	347	19	seeking	seeking	NOUN
fsr-3213	347	20	,	,	PUNCT
fsr-3213	347	21	but	but	CCONJ
fsr-3213	347	22	does	do	AUX
fsr-3213	347	23	using	use	VERB
fsr-3213	347	24	a	a	DET
fsr-3213	347	25	planner	planner	NOUN
fsr-3213	347	26	increase	increase	NOUN
fsr-3213	347	27	se	se	ADJ
fsr-3213	347	28	?	?	PUNCT
fsr-3213	348	1	to	to	PART
fsr-3213	348	2	test	test	VERB
fsr-3213	348	3	this	this	PRON
fsr-3213	348	4	,	,	PUNCT
fsr-3213	348	5	a	a	DET
fsr-3213	348	6	multivariate	multivariate	NOUN
fsr-3213	348	7	repeated	repeat	VERB
fsr-3213	348	8	-	-	PUNCT
fsr-3213	348	9	measures	measure	NOUN
fsr-3213	348	10	analysis	analysis	NOUN
fsr-3213	348	11	of	of	ADP
fsr-3213	348	12	variance	variance	NOUN
fsr-3213	348	13	(	(	PUNCT
fsr-3213	348	14	anova	anova	PROPN
fsr-3213	348	15	)	)	PUNCT
fsr-3213	348	16	was	be	AUX
fsr-3213	348	17	conducted	conduct	VERB
fsr-3213	348	18	to	to	PART
fsr-3213	348	19	test	test	VERB
fsr-3213	348	20	within	within	ADP
fsr-3213	348	21	-	-	PUNCT
fsr-3213	348	22	subject	subject	NOUN
fsr-3213	348	23	changes	change	NOUN
fsr-3213	348	24	in	in	ADP
fsr-3213	348	25	self	self	NOUN
fsr-3213	348	26	-	-	PUNCT
fsr-3213	348	27	efficacy	efficacy	NOUN
fsr-3213	348	28	.	.	PUNCT
fsr-3213	349	1	this	this	PRON
fsr-3213	349	2	will	will	AUX
fsr-3213	349	3	help	help	VERB
fsr-3213	349	4	determine	determine	VERB
fsr-3213	349	5	if	if	SCONJ
fsr-3213	349	6	se	se	PROPN
fsr-3213	349	7	changed	change	VERB
fsr-3213	349	8	significantly	significantly	ADV
fsr-3213	349	9	for	for	ADP
fsr-3213	349	10	each	each	DET
fsr-3213	349	11	individual	individual	NOUN
fsr-3213	349	12	across	across	ADP
fsr-3213	349	13	the	the	DET
fsr-3213	349	14	three	three	NUM
fsr-3213	349	15	time	time	NOUN
fsr-3213	349	16	periods	period	NOUN
fsr-3213	349	17	based	base	VERB
fsr-3213	349	18	on	on	ADP
fsr-3213	349	19	their	their	PRON
fsr-3213	349	20	planner	planner	NOUN
fsr-3213	349	21	use	use	NOUN
fsr-3213	349	22	behavior	behavior	NOUN
fsr-3213	349	23	.	.	PUNCT
fsr-3213	350	1	results	result	NOUN
fsr-3213	350	2	indicate	indicate	VERB
fsr-3213	350	3	that	that	SCONJ
fsr-3213	350	4	mean	mean	ADJ
fsr-3213	350	5	scores	score	NOUN
fsr-3213	350	6	of	of	ADP
fsr-3213	350	7	se	se	PROPN
fsr-3213	350	8	were	be	AUX
fsr-3213	350	9	not	not	PART
fsr-3213	350	10	significantly	significantly	ADV
fsr-3213	350	11	different	different	ADJ
fsr-3213	350	12	across	across	ADP
fsr-3213	350	13	waves	wave	NOUN
fsr-3213	350	14	for	for	ADP
fsr-3213	350	15	those	those	PRON
fsr-3213	350	16	who	who	PRON
fsr-3213	350	17	adopted	adopt	VERB
fsr-3213	350	18	a	a	DET
fsr-3213	350	19	financial	financial	ADJ
fsr-3213	350	20	planner	planner	NOUN
fsr-3213	350	21	in	in	ADP
fsr-3213	350	22	w2	w2	PROPN
fsr-3213	350	23	(	(	PUNCT
fsr-3213	350	24	f	f	PROPN
fsr-3213	350	25	�	�	PROPN
fsr-3213	350	26	1.42	1.42	NUM
fsr-3213	350	27	,	,	PUNCT
fsr-3213	350	28	p	p	PROPN
fsr-3213	350	29	�	�	PROPN
fsr-3213	350	30	0.245	0.245	NUM
fsr-3213	350	31	)	)	PUNCT
fsr-3213	350	32	or	or	CCONJ
fsr-3213	350	33	w3	w3	PROPN
fsr-3213	350	34	(	(	PUNCT
fsr-3213	350	35	f	f	PROPN
fsr-3213	350	36	�	�	PROPN
fsr-3213	350	37	0.002	0.002	NUM
fsr-3213	350	38	;	;	PUNCT
fsr-3213	350	39	p	p	PROPN
fsr-3213	350	40	�	�	PROPN
fsr-3213	350	41	0.969	0.969	NUM
fsr-3213	350	42	)	)	PUNCT
fsr-3213	350	43	.	.	PUNCT
fsr-3213	351	1	we	we	PRON
fsr-3213	351	2	interpret	interpret	VERB
fsr-3213	351	3	this	this	PRON
fsr-3213	351	4	to	to	PART
fsr-3213	351	5	mean	mean	VERB
fsr-3213	351	6	that	that	SCONJ
fsr-3213	351	7	while	while	SCONJ
fsr-3213	351	8	se	se	ADV
fsr-3213	351	9	is	be	AUX
fsr-3213	351	10	positively	positively	ADV
fsr-3213	351	11	correlated	correlate	VERB
fsr-3213	351	12	with	with	ADP
fsr-3213	351	13	the	the	DET
fsr-3213	351	14	decision	decision	NOUN
fsr-3213	351	15	to	to	PART
fsr-3213	351	16	seek	seek	VERB
fsr-3213	351	17	a	a	DET
fsr-3213	351	18	planner	planner	NOUN
fsr-3213	351	19	and	and	CCONJ
fsr-3213	351	20	having	have	VERB
fsr-3213	351	21	a	a	DET
fsr-3213	351	22	planner	planner	NOUN
fsr-3213	351	23	,	,	PUNCT
fsr-3213	351	24	it	it	PRON
fsr-3213	351	25	does	do	AUX
fsr-3213	351	26	not	not	PART
fsr-3213	351	27	necessarily	necessarily	ADV
fsr-3213	351	28	increase	increase	VERB
fsr-3213	351	29	with	with	ADP
fsr-3213	351	30	the	the	DET
fsr-3213	351	31	adoption	adoption	NOUN
fsr-3213	351	32	of	of	ADP
fsr-3213	351	33	a	a	DET
fsr-3213	351	34	planner	planner	NOUN
fsr-3213	351	35	.	.	PUNCT
fsr-3213	352	1	7.4	7.4	NUM
fsr-3213	352	2	.	.	PUNCT
fsr-3213	352	3	interpretation	interpretation	NOUN
fsr-3213	352	4	of	of	ADP
fsr-3213	352	5	results	result	NOUN
fsr-3213	352	6	the	the	DET
fsr-3213	352	7	consistent	consistent	ADJ
fsr-3213	352	8	results	result	NOUN
fsr-3213	352	9	for	for	ADP
fsr-3213	352	10	hypothesis	hypothesis	NOUN
fsr-3213	352	11	1	1	NUM
fsr-3213	352	12	,	,	PUNCT
fsr-3213	352	13	and	and	CCONJ
fsr-3213	352	14	the	the	DET
fsr-3213	352	15	reduction	reduction	NOUN
fsr-3213	352	16	in	in	ADP
fsr-3213	352	17	nagelkerke	nagelkerke	NOUN
fsr-3213	352	18	r2	r2	PROPN
fsr-3213	352	19	values	value	NOUN
fsr-3213	352	20	when	when	SCONJ
fsr-3213	352	21	wealth	wealth	NOUN
fsr-3213	352	22	variables	variable	NOUN
fsr-3213	352	23	are	be	AUX
fsr-3213	352	24	removed	remove	VERB
fsr-3213	352	25	,	,	PUNCT
fsr-3213	352	26	provide	provide	VERB
fsr-3213	352	27	considerable	considerable	ADJ
fsr-3213	352	28	confidence	confidence	NOUN
fsr-3213	352	29	in	in	ADP
fsr-3213	352	30	the	the	DET
fsr-3213	352	31	validity	validity	NOUN
fsr-3213	352	32	of	of	ADP
fsr-3213	352	33	hypothesis	hypothesis	NOUN
fsr-3213	352	34	1	1	NUM
fsr-3213	352	35	.	.	PUNCT
fsr-3213	353	1	people	people	NOUN
fsr-3213	353	2	with	with	ADP
fsr-3213	353	3	higher	high	ADJ
fsr-3213	353	4	incomes	income	NOUN
fsr-3213	353	5	and	and	CCONJ
fsr-3213	353	6	wealth	wealth	NOUN
fsr-3213	353	7	are	be	AUX
fsr-3213	353	8	more	more	ADV
fsr-3213	353	9	likely	likely	ADJ
fsr-3213	353	10	to	to	PART
fsr-3213	353	11	seek	seek	VERB
fsr-3213	353	12	professional	professional	ADJ
fsr-3213	353	13	financial	financial	ADJ
fsr-3213	353	14	advice	advice	NOUN
fsr-3213	353	15	.	.	PUNCT
fsr-3213	354	1	stress	stress	NOUN
fsr-3213	354	2	is	be	AUX
fsr-3213	354	3	lower	low	ADJ
fsr-3213	354	4	for	for	ADP
fsr-3213	354	5	individuals	individual	NOUN
fsr-3213	354	6	who	who	PRON
fsr-3213	354	7	use	use	VERB
fsr-3213	354	8	a	a	DET
fsr-3213	354	9	financial	financial	ADJ
fsr-3213	354	10	planner	planner	NOUN
fsr-3213	354	11	,	,	PUNCT
fsr-3213	354	12	but	but	CCONJ
fsr-3213	354	13	high	high	ADJ
fsr-3213	354	14	stress	stress	NOUN
fsr-3213	354	15	does	do	AUX
fsr-3213	354	16	not	not	PART
fsr-3213	354	17	necessarily	necessarily	ADV
fsr-3213	354	18	motivate	motivate	VERB
fsr-3213	354	19	someone	someone	PRON
fsr-3213	354	20	to	to	PART
fsr-3213	354	21	seek	seek	VERB
fsr-3213	354	22	help	help	NOUN
fsr-3213	354	23	.	.	PUNCT
fsr-3213	355	1	the	the	DET
fsr-3213	355	2	negative	negative	ADJ
fsr-3213	355	3	correlation	correlation	NOUN
fsr-3213	355	4	between	between	ADP
fsr-3213	355	5	wealth	wealth	NOUN
fsr-3213	355	6	and	and	CCONJ
fsr-3213	355	7	assets	asset	NOUN
fsr-3213	355	8	might	might	AUX
fsr-3213	355	9	explain	explain	VERB
fsr-3213	355	10	this	this	DET
fsr-3213	355	11	finding	finding	NOUN
fsr-3213	355	12	(	(	PUNCT
fsr-3213	355	13	�	�	PROPN
fsr-3213	355	14	.348	.348	NUM
fsr-3213	355	15	,	,	PUNCT
fsr-3213	355	16	p	p	PROPN
fsr-3213	355	17	�	�	PROPN
fsr-3213	355	18	0.001	0.001	NUM
fsr-3213	355	19	)	)	PUNCT
fsr-3213	355	20	.	.	PUNCT
fsr-3213	356	1	the	the	DET
fsr-3213	356	2	strong	strong	ADJ
fsr-3213	356	3	effect	effect	NOUN
fsr-3213	356	4	of	of	ADP
fsr-3213	356	5	wealth	wealth	NOUN
fsr-3213	356	6	may	may	AUX
fsr-3213	356	7	be	be	AUX
fsr-3213	356	8	suppressing	suppress	VERB
fsr-3213	356	9	the	the	DET
fsr-3213	356	10	effect	effect	NOUN
fsr-3213	356	11	of	of	ADP
fsr-3213	356	12	stress	stress	NOUN
fsr-3213	356	13	on	on	ADP
fsr-3213	356	14	help	help	NOUN
fsr-3213	356	15	-	-	PUNCT
fsr-3213	356	16	seeking	seeking	NOUN
fsr-3213	356	17	.	.	PUNCT
fsr-3213	357	1	the	the	DET
fsr-3213	357	2	finding	finding	NOUN
fsr-3213	357	3	that	that	SCONJ
fsr-3213	357	4	stress	stress	NOUN
fsr-3213	357	5	is	be	AUX
fsr-3213	357	6	lower	low	ADJ
fsr-3213	357	7	for	for	ADP
fsr-3213	357	8	those	those	PRON
fsr-3213	357	9	who	who	PRON
fsr-3213	357	10	use	use	VERB
fsr-3213	357	11	a	a	DET
fsr-3213	357	12	financial	financial	ADJ
fsr-3213	357	13	planner	planner	NOUN
fsr-3213	357	14	supports	support	VERB
fsr-3213	357	15	the	the	DET
fsr-3213	357	16	notion	notion	NOUN
fsr-3213	357	17	that	that	SCONJ
fsr-3213	357	18	assistance	assistance	NOUN
fsr-3213	357	19	helps	help	VERB
fsr-3213	357	20	reduce	reduce	VERB
fsr-3213	357	21	stress	stress	NOUN
fsr-3213	357	22	.	.	PUNCT
fsr-3213	358	1	se	se	PROPN
fsr-3213	358	2	is	be	AUX
fsr-3213	358	3	found	find	VERB
fsr-3213	358	4	to	to	PART
fsr-3213	358	5	be	be	AUX
fsr-3213	358	6	a	a	DET
fsr-3213	358	7	highly	highly	ADV
fsr-3213	358	8	significant	significant	ADJ
fsr-3213	358	9	and	and	CCONJ
fsr-3213	358	10	important	important	ADJ
fsr-3213	358	11	variable	variable	NOUN
fsr-3213	358	12	in	in	ADP
fsr-3213	358	13	the	the	DET
fsr-3213	358	14	decision	decision	NOUN
fsr-3213	358	15	to	to	PART
fsr-3213	358	16	seek	seek	VERB
fsr-3213	358	17	help	help	NOUN
fsr-3213	358	18	as	as	ADV
fsr-3213	358	19	well	well	ADV
fsr-3213	358	20	as	as	ADP
fsr-3213	358	21	the	the	DET
fsr-3213	358	22	use	use	NOUN
fsr-3213	358	23	of	of	ADP
fsr-3213	358	24	a	a	DET
fsr-3213	358	25	financial	financial	ADJ
fsr-3213	358	26	planner	planner	NOUN
fsr-3213	358	27	.	.	PUNCT
fsr-3213	359	1	we	we	PRON
fsr-3213	359	2	find	find	VERB
fsr-3213	359	3	substantial	substantial	ADJ
fsr-3213	359	4	support	support	NOUN
fsr-3213	359	5	for	for	ADP
fsr-3213	359	6	the	the	DET
fsr-3213	359	7	effect	effect	NOUN
fsr-3213	359	8	of	of	ADP
fsr-3213	359	9	se	se	X
fsr-3213	359	10	on	on	ADP
fsr-3213	359	11	both	both	DET
fsr-3213	359	12	counts	count	NOUN
fsr-3213	359	13	.	.	PUNCT
fsr-3213	360	1	while	while	SCONJ
fsr-3213	360	2	self	self	NOUN
fsr-3213	360	3	-	-	PUNCT
fsr-3213	360	4	efficacy	efficacy	NOUN
fsr-3213	360	5	does	do	AUX
fsr-3213	360	6	not	not	PART
fsr-3213	360	7	change	change	VERB
fsr-3213	360	8	with	with	ADP
fsr-3213	360	9	use	use	NOUN
fsr-3213	360	10	of	of	ADP
fsr-3213	360	11	a	a	DET
fsr-3213	360	12	financial	financial	ADJ
fsr-3213	360	13	planner	planner	NOUN
fsr-3213	360	14	,	,	PUNCT
fsr-3213	360	15	higher	high	ADJ
fsr-3213	360	16	initial	initial	ADJ
fsr-3213	360	17	self	self	NOUN
fsr-3213	360	18	-	-	PUNCT
fsr-3213	360	19	efficacy	efficacy	NOUN
fsr-3213	360	20	was	be	AUX
fsr-3213	360	21	correlated	correlate	VERB
fsr-3213	360	22	with	with	ADP
fsr-3213	360	23	their	their	PRON
fsr-3213	360	24	decision	decision	NOUN
fsr-3213	360	25	to	to	PART
fsr-3213	360	26	use	use	VERB
fsr-3213	360	27	a	a	DET
fsr-3213	360	28	planner	planner	NOUN
fsr-3213	360	29	.	.	PUNCT
fsr-3213	361	1	looking	look	VERB
fsr-3213	361	2	at	at	ADP
fsr-3213	361	3	results	result	NOUN
fsr-3213	361	4	comprehensively	comprehensively	ADV
fsr-3213	361	5	,	,	PUNCT
fsr-3213	361	6	we	we	PRON
fsr-3213	361	7	conclude	conclude	VERB
fsr-3213	361	8	that	that	SCONJ
fsr-3213	361	9	people	people	NOUN
fsr-3213	361	10	with	with	ADP
fsr-3213	361	11	a	a	DET
fsr-3213	361	12	stronger	strong	ADJ
fsr-3213	361	13	sense	sense	NOUN
fsr-3213	361	14	of	of	ADP
fsr-3213	361	15	financial	financial	ADJ
fsr-3213	361	16	self	self	NOUN
fsr-3213	361	17	-	-	PUNCT
fsr-3213	361	18	efficacy	efficacy	NOUN
fsr-3213	361	19	are	be	AUX
fsr-3213	361	20	more	more	ADV
fsr-3213	361	21	likely	likely	ADJ
fsr-3213	361	22	to	to	PART
fsr-3213	361	23	seek	seek	VERB
fsr-3213	361	24	professional	professional	ADJ
fsr-3213	361	25	financial	financial	ADJ
fsr-3213	361	26	advice	advice	NOUN
fsr-3213	361	27	when	when	SCONJ
fsr-3213	361	28	they	they	PRON
fsr-3213	361	29	need	need	VERB
fsr-3213	361	30	it	it	PRON
fsr-3213	361	31	and	and	CCONJ
fsr-3213	361	32	that	that	SCONJ
fsr-3213	361	33	use	use	NOUN
fsr-3213	361	34	of	of	ADP
fsr-3213	361	35	a	a	DET
fsr-3213	361	36	financial	financial	ADJ
fsr-3213	361	37	planner	planner	NOUN
fsr-3213	361	38	is	be	AUX
fsr-3213	361	39	correlated	correlate	VERB
fsr-3213	361	40	with	with	ADP
fsr-3213	361	41	lower	low	ADJ
fsr-3213	361	42	stress	stress	NOUN
fsr-3213	361	43	.	.	PUNCT
fsr-3213	362	1	8	8	X
fsr-3213	362	2	.	.	X
fsr-3213	362	3	summary	summary	NOUN
fsr-3213	362	4	and	and	CCONJ
fsr-3213	362	5	implications	implication	VERB
fsr-3213	362	6	our	our	PRON
fsr-3213	362	7	results	result	NOUN
fsr-3213	362	8	,	,	PUNCT
fsr-3213	362	9	and	and	CCONJ
fsr-3213	362	10	indeed	indeed	ADV
fsr-3213	362	11	the	the	DET
fsr-3213	362	12	increasing	increase	VERB
fsr-3213	362	13	literature	literature	NOUN
fsr-3213	362	14	in	in	ADP
fsr-3213	362	15	behavioral	behavioral	ADJ
fsr-3213	362	16	finance	finance	NOUN
fsr-3213	362	17	,	,	PUNCT
fsr-3213	362	18	show	show	VERB
fsr-3213	362	19	that	that	SCONJ
fsr-3213	362	20	financial	financial	ADJ
fsr-3213	362	21	planners	planner	NOUN
fsr-3213	362	22	need	need	VERB
fsr-3213	362	23	more	more	ADJ
fsr-3213	362	24	than	than	ADP
fsr-3213	362	25	merely	merely	ADV
fsr-3213	362	26	technical	technical	ADJ
fsr-3213	362	27	competence	competence	NOUN
fsr-3213	362	28	and	and	CCONJ
fsr-3213	362	29	marketing	marketing	NOUN
fsr-3213	362	30	skills	skill	NOUN
fsr-3213	362	31	if	if	SCONJ
fsr-3213	362	32	they	they	PRON
fsr-3213	362	33	are	be	AUX
fsr-3213	362	34	to	to	PART
fsr-3213	362	35	attract	attract	VERB
fsr-3213	362	36	,	,	PUNCT
fsr-3213	362	37	serve	serve	VERB
fsr-3213	362	38	and	and	CCONJ
fsr-3213	362	39	retain	retain	VERB
fsr-3213	362	40	clients	client	NOUN
fsr-3213	362	41	.	.	PUNCT
fsr-3213	363	1	this	this	DET
fsr-3213	363	2	study	study	NOUN
fsr-3213	363	3	highlights	highlight	VERB
fsr-3213	363	4	the	the	DET
fsr-3213	363	5	importance	importance	NOUN
fsr-3213	363	6	of	of	ADP
fsr-3213	363	7	self	self	NOUN
fsr-3213	363	8	-	-	PUNCT
fsr-3213	363	9	efficacy	efficacy	NOUN
fsr-3213	363	10	in	in	ADP
fsr-3213	363	11	the	the	DET
fsr-3213	363	12	decision	decision	NOUN
fsr-3213	363	13	to	to	PART
fsr-3213	363	14	seek	seek	VERB
fsr-3213	363	15	professional	professional	ADJ
fsr-3213	363	16	financial	financial	ADJ
fsr-3213	363	17	planning	planning	NOUN
fsr-3213	363	18	help	help	NOUN
fsr-3213	363	19	.	.	PUNCT
fsr-3213	364	1	these	these	DET
fsr-3213	364	2	findings	finding	NOUN
fsr-3213	364	3	suggest	suggest	VERB
fsr-3213	364	4	that	that	SCONJ
fsr-3213	364	5	a	a	DET
fsr-3213	364	6	society	society	NOUN
fsr-3213	364	7	high	high	ADJ
fsr-3213	364	8	in	in	ADP
fsr-3213	364	9	self	self	NOUN
fsr-3213	364	10	-	-	PUNCT
fsr-3213	364	11	efficacy	efficacy	NOUN
fsr-3213	364	12	may	may	AUX
fsr-3213	364	13	make	make	VERB
fsr-3213	364	14	greater	great	ADJ
fsr-3213	364	15	use	use	NOUN
fsr-3213	364	16	of	of	ADP
fsr-3213	364	17	financial	financial	ADJ
fsr-3213	364	18	planners	planner	NOUN
fsr-3213	364	19	.	.	PUNCT
fsr-3213	365	1	although	although	SCONJ
fsr-3213	365	2	it	it	PRON
fsr-3213	365	3	seems	seem	VERB
fsr-3213	365	4	like	like	ADP
fsr-3213	365	5	a	a	DET
fsr-3213	365	6	plausible	plausible	ADJ
fsr-3213	365	7	conjecture	conjecture	NOUN
fsr-3213	365	8	that	that	SCONJ
fsr-3213	365	9	financial	financial	ADJ
fsr-3213	365	10	stress	stress	NOUN
fsr-3213	365	11	would	would	AUX
fsr-3213	365	12	be	be	AUX
fsr-3213	365	13	a	a	DET
fsr-3213	365	14	trigger	trigger	NOUN
fsr-3213	365	15	for	for	ADP
fsr-3213	365	16	help	help	NOUN
fsr-3213	365	17	-	-	PUNCT
fsr-3213	365	18	seeking	seeking	NOUN
fsr-3213	365	19	,	,	PUNCT
fsr-3213	365	20	we	we	PRON
fsr-3213	365	21	do	do	AUX
fsr-3213	365	22	not	not	PART
fsr-3213	365	23	find	find	VERB
fsr-3213	365	24	support	support	NOUN
fsr-3213	365	25	for	for	ADP
fsr-3213	365	26	that	that	DET
fsr-3213	365	27	supposition	supposition	NOUN
fsr-3213	365	28	.	.	PUNCT
fsr-3213	366	1	the	the	DET
fsr-3213	366	2	findings	finding	NOUN
fsr-3213	366	3	in	in	ADP
fsr-3213	366	4	this	this	DET
fsr-3213	366	5	study	study	NOUN
fsr-3213	366	6	have	have	VERB
fsr-3213	366	7	implications	implication	NOUN
fsr-3213	366	8	for	for	ADP
fsr-3213	366	9	financial	financial	ADJ
fsr-3213	366	10	planners	planner	NOUN
fsr-3213	366	11	,	,	PUNCT
fsr-3213	366	12	financial	financial	ADJ
fsr-3213	366	13	institutions	institution	NOUN
fsr-3213	366	14	,	,	PUNCT
fsr-3213	366	15	government	government	NOUN
fsr-3213	366	16	agencies	agency	NOUN
fsr-3213	366	17	,	,	PUNCT
fsr-3213	366	18	and	and	CCONJ
fsr-3213	366	19	policy	policy	NOUN
fsr-3213	366	20	makers	maker	NOUN
fsr-3213	366	21	.	.	PUNCT
fsr-3213	367	1	first	first	ADV
fsr-3213	367	2	,	,	PUNCT
fsr-3213	367	3	we	we	PRON
fsr-3213	367	4	will	will	AUX
fsr-3213	367	5	discuss	discuss	VERB
fsr-3213	367	6	self	self	NOUN
fsr-3213	367	7	-	-	PUNCT
fsr-3213	367	8	efficacy	efficacy	NOUN
fsr-3213	367	9	.	.	PUNCT
fsr-3213	368	1	the	the	DET
fsr-3213	368	2	strong	strong	ADJ
fsr-3213	368	3	and	and	CCONJ
fsr-3213	368	4	consistent	consistent	ADJ
fsr-3213	368	5	effects	effect	NOUN
fsr-3213	368	6	of	of	ADP
fsr-3213	368	7	self	self	NOUN
fsr-3213	368	8	-	-	PUNCT
fsr-3213	368	9	efficacy	efficacy	NOUN
fsr-3213	368	10	are	be	AUX
fsr-3213	368	11	an	an	DET
fsr-3213	368	12	important	important	ADJ
fsr-3213	368	13	contribution	contribution	NOUN
fsr-3213	368	14	of	of	ADP
fsr-3213	368	15	this	this	DET
fsr-3213	368	16	article	article	NOUN
fsr-3213	368	17	.	.	PUNCT
fsr-3213	369	1	then	then	ADV
fsr-3213	369	2	we	we	PRON
fsr-3213	369	3	discuss	discuss	VERB
fsr-3213	369	4	policy	policy	NOUN
fsr-3213	369	5	implications	implication	NOUN
fsr-3213	369	6	derived	derive	VERB
fsr-3213	369	7	from	from	ADP
fsr-3213	369	8	our	our	PRON
fsr-3213	369	9	findings	finding	NOUN
fsr-3213	369	10	.	.	PUNCT
fsr-3213	370	1	121j	121j	NOUN
fsr-3213	370	2	.	.	PUNCT
fsr-3213	371	1	letkiewicz	letkiewicz	PROPN
fsr-3213	371	2	et	et	PROPN
fsr-3213	371	3	al	al	PROPN
fsr-3213	371	4	.	.	PUNCT
fsr-3213	371	5	/	/	SYM
fsr-3213	371	6	financial	financial	ADJ
fsr-3213	371	7	services	service	NOUN
fsr-3213	371	8	review	review	VERB
fsr-3213	371	9	25	25	NUM
fsr-3213	371	10	(	(	PUNCT
fsr-3213	371	11	2016	2016	NUM
fsr-3213	371	12	)	)	PUNCT
fsr-3213	371	13	105–126	105–126	NUM
fsr-3213	371	14	8.1	8.1	NUM
fsr-3213	371	15	.	.	PUNCT
fsr-3213	372	1	increasing	increase	VERB
fsr-3213	372	2	self	self	NOUN
fsr-3213	372	3	-	-	PUNCT
fsr-3213	372	4	efficacy	efficacy	NOUN
fsr-3213	372	5	bandura	bandura	NOUN
fsr-3213	372	6	(	(	PUNCT
fsr-3213	372	7	1977	1977	NUM
fsr-3213	372	8	)	)	PUNCT
fsr-3213	372	9	suggests	suggest	VERB
fsr-3213	372	10	four	four	NUM
fsr-3213	372	11	ways	way	NOUN
fsr-3213	372	12	to	to	PART
fsr-3213	372	13	increase	increase	VERB
fsr-3213	372	14	self	self	NOUN
fsr-3213	372	15	-	-	PUNCT
fsr-3213	372	16	efficacy	efficacy	NOUN
fsr-3213	372	17	:	:	PUNCT
fsr-3213	372	18	performance	performance	NOUN
fsr-3213	372	19	accomplishments	accomplishment	NOUN
fsr-3213	372	20	,	,	PUNCT
fsr-3213	372	21	vicarious	vicarious	ADJ
fsr-3213	372	22	experience	experience	NOUN
fsr-3213	372	23	,	,	PUNCT
fsr-3213	372	24	verbal	verbal	ADJ
fsr-3213	372	25	encouragement	encouragement	NOUN
fsr-3213	372	26	,	,	PUNCT
fsr-3213	372	27	and	and	CCONJ
fsr-3213	372	28	physiological	physiological	ADJ
fsr-3213	372	29	states	state	NOUN
fsr-3213	372	30	.	.	PUNCT
fsr-3213	373	1	each	each	PRON
fsr-3213	373	2	of	of	ADP
fsr-3213	373	3	these	these	DET
fsr-3213	373	4	strategies	strategy	NOUN
fsr-3213	373	5	can	can	AUX
fsr-3213	373	6	be	be	AUX
fsr-3213	373	7	applied	apply	VERB
fsr-3213	373	8	to	to	ADP
fsr-3213	373	9	personal	personal	ADJ
fsr-3213	373	10	finance	finance	NOUN
fsr-3213	373	11	in	in	ADP
fsr-3213	373	12	various	various	ADJ
fsr-3213	373	13	ways	way	NOUN
fsr-3213	373	14	to	to	PART
fsr-3213	373	15	increase	increase	VERB
fsr-3213	373	16	financial	financial	ADJ
fsr-3213	373	17	self	self	NOUN
fsr-3213	373	18	-	-	PUNCT
fsr-3213	373	19	efficacy	efficacy	NOUN
fsr-3213	373	20	.	.	PUNCT
fsr-3213	374	1	accomplishments	accomplishment	NOUN
fsr-3213	374	2	influence	influence	VERB
fsr-3213	374	3	one	one	NUM
fsr-3213	374	4	’s	’s	PART
fsr-3213	374	5	sense	sense	NOUN
fsr-3213	374	6	of	of	ADP
fsr-3213	374	7	mastery	mastery	NOUN
fsr-3213	374	8	and	and	CCONJ
fsr-3213	374	9	can	can	AUX
fsr-3213	374	10	lead	lead	VERB
fsr-3213	374	11	to	to	ADP
fsr-3213	374	12	a	a	DET
fsr-3213	374	13	greater	great	ADJ
fsr-3213	374	14	sense	sense	NOUN
fsr-3213	374	15	of	of	ADP
fsr-3213	374	16	self	self	NOUN
fsr-3213	374	17	-	-	PUNCT
fsr-3213	374	18	efficacy	efficacy	NOUN
fsr-3213	374	19	.	.	PUNCT
fsr-3213	375	1	one	one	NUM
fsr-3213	375	2	way	way	NOUN
fsr-3213	375	3	to	to	PART
fsr-3213	375	4	increase	increase	VERB
fsr-3213	375	5	self	self	NOUN
fsr-3213	375	6	-	-	PUNCT
fsr-3213	375	7	efficacy	efficacy	NOUN
fsr-3213	375	8	using	use	VERB
fsr-3213	375	9	the	the	DET
fsr-3213	375	10	concept	concept	NOUN
fsr-3213	375	11	of	of	ADP
fsr-3213	375	12	performance	performance	NOUN
fsr-3213	375	13	accomplishments	accomplishment	NOUN
fsr-3213	375	14	is	be	AUX
fsr-3213	375	15	to	to	PART
fsr-3213	375	16	structure	structure	VERB
fsr-3213	375	17	financial	financial	ADJ
fsr-3213	375	18	decisions	decision	NOUN
fsr-3213	375	19	ways	way	NOUN
fsr-3213	375	20	that	that	PRON
fsr-3213	375	21	allow	allow	VERB
fsr-3213	375	22	for	for	ADP
fsr-3213	375	23	small	small	ADJ
fsr-3213	375	24	accomplishments	accomplishment	NOUN
fsr-3213	375	25	while	while	SCONJ
fsr-3213	375	26	learning	learn	VERB
fsr-3213	375	27	new	new	ADJ
fsr-3213	375	28	skills	skill	NOUN
fsr-3213	375	29	.	.	PUNCT
fsr-3213	376	1	financial	financial	ADJ
fsr-3213	376	2	institutions	institution	NOUN
fsr-3213	376	3	and	and	CCONJ
fsr-3213	376	4	other	other	ADJ
fsr-3213	376	5	agencies	agency	NOUN
fsr-3213	376	6	that	that	PRON
fsr-3213	376	7	deal	deal	VERB
fsr-3213	376	8	with	with	ADP
fsr-3213	376	9	consumer	consumer	NOUN
fsr-3213	376	10	finance	finance	NOUN
fsr-3213	376	11	issues	issue	NOUN
fsr-3213	376	12	should	should	AUX
fsr-3213	376	13	consider	consider	VERB
fsr-3213	376	14	this	this	PRON
fsr-3213	376	15	when	when	SCONJ
fsr-3213	376	16	structuring	structure	VERB
fsr-3213	376	17	consumer	consumer	NOUN
fsr-3213	376	18	interactions	interaction	NOUN
fsr-3213	376	19	.	.	PUNCT
fsr-3213	377	1	a	a	DET
fsr-3213	377	2	suggestion	suggestion	NOUN
fsr-3213	377	3	is	be	AUX
fsr-3213	377	4	to	to	PART
fsr-3213	377	5	keep	keep	VERB
fsr-3213	377	6	some	some	DET
fsr-3213	377	7	financial	financial	ADJ
fsr-3213	377	8	offerings	offering	NOUN
fsr-3213	377	9	simple	simple	ADJ
fsr-3213	377	10	and	and	CCONJ
fsr-3213	377	11	straightforward	straightforward	ADJ
fsr-3213	377	12	so	so	SCONJ
fsr-3213	377	13	consumers	consumer	NOUN
fsr-3213	377	14	can	can	AUX
fsr-3213	377	15	understand	understand	VERB
fsr-3213	377	16	how	how	SCONJ
fsr-3213	377	17	they	they	PRON
fsr-3213	377	18	work	work	VERB
fsr-3213	377	19	and	and	CCONJ
fsr-3213	377	20	feel	feel	VERB
fsr-3213	377	21	confident	confident	ADJ
fsr-3213	377	22	in	in	ADP
fsr-3213	377	23	their	their	PRON
fsr-3213	377	24	ability	ability	NOUN
fsr-3213	377	25	to	to	PART
fsr-3213	377	26	manage	manage	VERB
fsr-3213	377	27	them	they	PRON
fsr-3213	377	28	.	.	PUNCT
fsr-3213	378	1	anderson	anderson	PROPN
fsr-3213	378	2	(	(	PUNCT
fsr-3213	378	3	2012	2012	NUM
fsr-3213	378	4	)	)	PUNCT
fsr-3213	378	5	suggests	suggest	VERB
fsr-3213	378	6	individuals	individual	NOUN
fsr-3213	378	7	set	set	VERB
fsr-3213	378	8	a	a	DET
fsr-3213	378	9	simple	simple	ADJ
fsr-3213	378	10	goal	goal	NOUN
fsr-3213	378	11	;	;	PUNCT
fsr-3213	378	12	for	for	ADP
fsr-3213	378	13	example	example	NOUN
fsr-3213	378	14	,	,	PUNCT
fsr-3213	378	15	create	create	VERB
fsr-3213	378	16	a	a	DET
fsr-3213	378	17	plan	plan	NOUN
fsr-3213	378	18	to	to	PART
fsr-3213	378	19	reduce	reduce	VERB
fsr-3213	378	20	spending	spending	NOUN
fsr-3213	378	21	and	and	CCONJ
fsr-3213	378	22	pay	pay	VERB
fsr-3213	378	23	off	off	ADP
fsr-3213	378	24	a	a	DET
fsr-3213	378	25	credit	credit	NOUN
fsr-3213	378	26	card	card	NOUN
fsr-3213	378	27	balance	balance	NOUN
fsr-3213	378	28	.	.	PUNCT
fsr-3213	379	1	the	the	DET
fsr-3213	379	2	plan	plan	NOUN
fsr-3213	379	3	requires	require	VERB
fsr-3213	379	4	some	some	DET
fsr-3213	379	5	money	money	NOUN
fsr-3213	379	6	management	management	NOUN
fsr-3213	379	7	skills	skill	NOUN
fsr-3213	379	8	and	and	CCONJ
fsr-3213	379	9	discipline	discipline	NOUN
fsr-3213	379	10	and	and	CCONJ
fsr-3213	379	11	is	be	AUX
fsr-3213	379	12	a	a	DET
fsr-3213	379	13	good	good	ADJ
fsr-3213	379	14	way	way	NOUN
fsr-3213	379	15	to	to	PART
fsr-3213	379	16	inspire	inspire	VERB
fsr-3213	379	17	confidence	confidence	NOUN
fsr-3213	379	18	and	and	CCONJ
fsr-3213	379	19	motivation	motivation	NOUN
fsr-3213	379	20	for	for	ADP
fsr-3213	379	21	more	more	ADV
fsr-3213	379	22	advanced	advanced	ADJ
fsr-3213	379	23	tasks	task	NOUN
fsr-3213	379	24	.	.	PUNCT
fsr-3213	380	1	vicarious	vicarious	ADJ
fsr-3213	380	2	experiences	experience	NOUN
fsr-3213	380	3	occur	occur	VERB
fsr-3213	380	4	when	when	SCONJ
fsr-3213	380	5	one	one	PRON
fsr-3213	380	6	observes	observe	VERB
fsr-3213	380	7	someone	someone	PRON
fsr-3213	380	8	similar	similar	ADJ
fsr-3213	380	9	to	to	ADP
fsr-3213	380	10	them	they	PRON
fsr-3213	380	11	succeeding	succeed	VERB
fsr-3213	380	12	at	at	ADP
fsr-3213	380	13	a	a	DET
fsr-3213	380	14	task	task	NOUN
fsr-3213	380	15	.	.	PUNCT
fsr-3213	381	1	commercials	commercial	NOUN
fsr-3213	381	2	,	,	PUNCT
fsr-3213	381	3	public	public	ADJ
fsr-3213	381	4	service	service	NOUN
fsr-3213	381	5	announcements	announcement	NOUN
fsr-3213	381	6	,	,	PUNCT
fsr-3213	381	7	and	and	CCONJ
fsr-3213	381	8	other	other	ADJ
fsr-3213	381	9	communications	communication	NOUN
fsr-3213	381	10	can	can	AUX
fsr-3213	381	11	be	be	AUX
fsr-3213	381	12	structured	structure	VERB
fsr-3213	381	13	in	in	ADP
fsr-3213	381	14	a	a	DET
fsr-3213	381	15	way	way	NOUN
fsr-3213	381	16	to	to	PART
fsr-3213	381	17	appeal	appeal	VERB
fsr-3213	381	18	to	to	ADP
fsr-3213	381	19	a	a	DET
fsr-3213	381	20	diverse	diverse	ADJ
fsr-3213	381	21	audience	audience	NOUN
fsr-3213	381	22	and	and	CCONJ
fsr-3213	381	23	provide	provide	VERB
fsr-3213	381	24	valuable	valuable	ADJ
fsr-3213	381	25	information	information	NOUN
fsr-3213	381	26	and	and	CCONJ
fsr-3213	381	27	guidance	guidance	NOUN
fsr-3213	381	28	for	for	ADP
fsr-3213	381	29	helping	help	VERB
fsr-3213	381	30	people	people	NOUN
fsr-3213	381	31	get	get	AUX
fsr-3213	381	32	started	start	VERB
fsr-3213	381	33	.	.	PUNCT
fsr-3213	382	1	verbal	verbal	ADJ
fsr-3213	382	2	encouragement	encouragement	NOUN
fsr-3213	382	3	takes	take	VERB
fsr-3213	382	4	place	place	NOUN
fsr-3213	382	5	when	when	SCONJ
fsr-3213	382	6	one	one	PRON
fsr-3213	382	7	is	be	AUX
fsr-3213	382	8	encouraged	encourage	VERB
fsr-3213	382	9	to	to	PART
fsr-3213	382	10	take	take	VERB
fsr-3213	382	11	on	on	ADP
fsr-3213	382	12	a	a	DET
fsr-3213	382	13	task	task	NOUN
fsr-3213	382	14	with	with	ADP
fsr-3213	382	15	the	the	DET
fsr-3213	382	16	belief	belief	NOUN
fsr-3213	382	17	they	they	PRON
fsr-3213	382	18	can	can	AUX
fsr-3213	382	19	accomplish	accomplish	VERB
fsr-3213	382	20	it	it	PRON
fsr-3213	382	21	.	.	PUNCT
fsr-3213	383	1	constructive	constructive	ADJ
fsr-3213	383	2	feedback	feedback	NOUN
fsr-3213	383	3	is	be	AUX
fsr-3213	383	4	important	important	ADJ
fsr-3213	383	5	to	to	ADP
fsr-3213	383	6	building	build	VERB
fsr-3213	383	7	and	and	CCONJ
fsr-3213	383	8	maintaining	maintain	VERB
fsr-3213	383	9	a	a	DET
fsr-3213	383	10	sense	sense	NOUN
fsr-3213	383	11	of	of	ADP
fsr-3213	383	12	self	self	NOUN
fsr-3213	383	13	-	-	PUNCT
fsr-3213	383	14	efficacy	efficacy	NOUN
fsr-3213	383	15	.	.	PUNCT
fsr-3213	384	1	this	this	PRON
fsr-3213	384	2	is	be	AUX
fsr-3213	384	3	important	important	ADJ
fsr-3213	384	4	for	for	SCONJ
fsr-3213	384	5	financial	financial	ADJ
fsr-3213	384	6	advisors	advisor	NOUN
fsr-3213	384	7	to	to	PART
fsr-3213	384	8	keep	keep	VERB
fsr-3213	384	9	in	in	ADP
fsr-3213	384	10	mind	mind	NOUN
fsr-3213	384	11	when	when	SCONJ
fsr-3213	384	12	working	work	VERB
fsr-3213	384	13	with	with	ADP
fsr-3213	384	14	clients	client	NOUN
fsr-3213	384	15	and	and	CCONJ
fsr-3213	384	16	for	for	ADP
fsr-3213	384	17	public	public	ADJ
fsr-3213	384	18	workers	worker	NOUN
fsr-3213	384	19	dealing	deal	VERB
fsr-3213	384	20	with	with	ADP
fsr-3213	384	21	a	a	DET
fsr-3213	384	22	financially	financially	ADV
fsr-3213	384	23	illiterate	illiterate	ADJ
fsr-3213	384	24	population	population	NOUN
fsr-3213	384	25	.	.	PUNCT
fsr-3213	385	1	finally	finally	ADV
fsr-3213	385	2	,	,	PUNCT
fsr-3213	385	3	the	the	DET
fsr-3213	385	4	way	way	NOUN
fsr-3213	385	5	people	people	NOUN
fsr-3213	385	6	experience	experience	VERB
fsr-3213	385	7	,	,	PUNCT
fsr-3213	385	8	interpret	interpret	VERB
fsr-3213	385	9	and	and	CCONJ
fsr-3213	385	10	evaluate	evaluate	VERB
fsr-3213	385	11	emotional	emotional	ADJ
fsr-3213	385	12	states	state	NOUN
fsr-3213	385	13	is	be	AUX
fsr-3213	385	14	important	important	ADJ
fsr-3213	385	15	for	for	ADP
fsr-3213	385	16	how	how	SCONJ
fsr-3213	385	17	they	they	PRON
fsr-3213	385	18	develop	develop	VERB
fsr-3213	385	19	self	self	NOUN
fsr-3213	385	20	-	-	PUNCT
fsr-3213	385	21	efficacy	efficacy	NOUN
fsr-3213	385	22	beliefs	belief	NOUN
fsr-3213	385	23	.	.	PUNCT
fsr-3213	386	1	extremely	extremely	ADV
fsr-3213	386	2	nervous	nervous	ADJ
fsr-3213	386	3	or	or	CCONJ
fsr-3213	386	4	anxious	anxious	ADJ
fsr-3213	386	5	people	people	NOUN
fsr-3213	386	6	tend	tend	VERB
fsr-3213	386	7	to	to	PART
fsr-3213	386	8	doubt	doubt	VERB
fsr-3213	386	9	themselves	themselves	PRON
fsr-3213	386	10	and	and	CCONJ
fsr-3213	386	11	may	may	AUX
fsr-3213	386	12	therefore	therefore	ADV
fsr-3213	386	13	have	have	VERB
fsr-3213	386	14	a	a	DET
fsr-3213	386	15	weak	weak	ADJ
fsr-3213	386	16	sense	sense	NOUN
fsr-3213	386	17	of	of	ADP
fsr-3213	386	18	self	self	NOUN
fsr-3213	386	19	-	-	PUNCT
fsr-3213	386	20	efficacy	efficacy	NOUN
fsr-3213	386	21	.	.	PUNCT
fsr-3213	387	1	this	this	PRON
fsr-3213	387	2	is	be	AUX
fsr-3213	387	3	in	in	ADP
fsr-3213	387	4	line	line	NOUN
fsr-3213	387	5	with	with	ADP
fsr-3213	387	6	our	our	PRON
fsr-3213	387	7	finding	finding	NOUN
fsr-3213	387	8	that	that	SCONJ
fsr-3213	387	9	stress	stress	NOUN
fsr-3213	387	10	can	can	AUX
fsr-3213	387	11	either	either	CCONJ
fsr-3213	387	12	paralyze	paralyze	VERB
fsr-3213	387	13	or	or	CCONJ
fsr-3213	387	14	mobilize	mobilize	VERB
fsr-3213	387	15	someone	someone	PRON
fsr-3213	387	16	to	to	PART
fsr-3213	387	17	seek	seek	VERB
fsr-3213	387	18	financial	financial	ADJ
fsr-3213	387	19	help	help	NOUN
fsr-3213	387	20	.	.	PUNCT
fsr-3213	388	1	household	household	NOUN
fsr-3213	388	2	finances	finance	NOUN
fsr-3213	388	3	can	can	AUX
fsr-3213	388	4	be	be	AUX
fsr-3213	388	5	stressful	stressful	ADJ
fsr-3213	388	6	for	for	ADP
fsr-3213	388	7	families	family	NOUN
fsr-3213	388	8	.	.	PUNCT
fsr-3213	389	1	one	one	NUM
fsr-3213	389	2	way	way	NOUN
fsr-3213	389	3	to	to	PART
fsr-3213	389	4	reduce	reduce	VERB
fsr-3213	389	5	the	the	DET
fsr-3213	389	6	stress	stress	NOUN
fsr-3213	389	7	and	and	CCONJ
fsr-3213	389	8	anxiety	anxiety	NOUN
fsr-3213	389	9	is	be	AUX
fsr-3213	389	10	to	to	PART
fsr-3213	389	11	establish	establish	VERB
fsr-3213	389	12	basic	basic	ADJ
fsr-3213	389	13	ground	ground	NOUN
fsr-3213	389	14	rules	rule	NOUN
fsr-3213	389	15	and	and	CCONJ
fsr-3213	389	16	commit	commit	VERB
fsr-3213	389	17	to	to	ADP
fsr-3213	389	18	a	a	DET
fsr-3213	389	19	plan	plan	NOUN
fsr-3213	389	20	with	with	ADP
fsr-3213	389	21	your	your	PRON
fsr-3213	389	22	partner	partner	NOUN
fsr-3213	389	23	(	(	PUNCT
fsr-3213	389	24	anderson	anderson	PROPN
fsr-3213	389	25	,	,	PUNCT
fsr-3213	389	26	2012	2012	NUM
fsr-3213	389	27	)	)	PUNCT
fsr-3213	389	28	and	and	CCONJ
fsr-3213	389	29	your	your	PRON
fsr-3213	389	30	planner	planner	NOUN
fsr-3213	389	31	(	(	PUNCT
fsr-3213	389	32	if	if	SCONJ
fsr-3213	389	33	you	you	PRON
fsr-3213	389	34	have	have	VERB
fsr-3213	389	35	one	one	NUM
fsr-3213	389	36	)	)	PUNCT
fsr-3213	389	37	.	.	PUNCT
fsr-3213	390	1	this	this	PRON
fsr-3213	390	2	can	can	AUX
fsr-3213	390	3	help	help	VERB
fsr-3213	390	4	facilitate	facilitate	VERB
fsr-3213	390	5	an	an	DET
fsr-3213	390	6	environment	environment	NOUN
fsr-3213	390	7	with	with	ADP
fsr-3213	390	8	well	well	ADV
fsr-3213	390	9	-	-	PUNCT
fsr-3213	390	10	established	establish	VERB
fsr-3213	390	11	goals	goal	NOUN
fsr-3213	390	12	and	and	CCONJ
fsr-3213	390	13	principles	principle	NOUN
fsr-3213	390	14	and	and	CCONJ
fsr-3213	390	15	can	can	AUX
fsr-3213	390	16	facilitate	facilitate	VERB
fsr-3213	390	17	positive	positive	ADJ
fsr-3213	390	18	communication	communication	NOUN
fsr-3213	390	19	and	and	CCONJ
fsr-3213	390	20	behaviors	behavior	NOUN
fsr-3213	390	21	around	around	ADP
fsr-3213	390	22	a	a	DET
fsr-3213	390	23	shared	share	VERB
fsr-3213	390	24	goal	goal	NOUN
fsr-3213	390	25	,	,	PUNCT
fsr-3213	390	26	thus	thus	ADV
fsr-3213	390	27	reducing	reduce	VERB
fsr-3213	390	28	stress	stress	NOUN
fsr-3213	390	29	and	and	CCONJ
fsr-3213	390	30	anxiety	anxiety	NOUN
fsr-3213	390	31	.	.	PUNCT
fsr-3213	391	1	8.2	8.2	NUM
fsr-3213	391	2	.	.	PUNCT
fsr-3213	391	3	policy	policy	NOUN
fsr-3213	391	4	implications	implication	NOUN
fsr-3213	391	5	there	there	PRON
fsr-3213	391	6	are	be	VERB
fsr-3213	391	7	ongoing	ongoing	ADJ
fsr-3213	391	8	efforts	effort	NOUN
fsr-3213	391	9	in	in	ADP
fsr-3213	391	10	both	both	CCONJ
fsr-3213	391	11	the	the	DET
fsr-3213	391	12	united	united	PROPN
fsr-3213	391	13	states	states	PROPN
fsr-3213	391	14	and	and	CCONJ
fsr-3213	391	15	canada	canada	PROPN
fsr-3213	391	16	to	to	PART
fsr-3213	391	17	improve	improve	VERB
fsr-3213	391	18	financial	financial	ADJ
fsr-3213	391	19	literacy	literacy	NOUN
fsr-3213	391	20	.	.	PUNCT
fsr-3213	392	1	the	the	DET
fsr-3213	392	2	essential	essential	ADJ
fsr-3213	392	3	argument	argument	NOUN
fsr-3213	392	4	is	be	AUX
fsr-3213	392	5	that	that	SCONJ
fsr-3213	392	6	if	if	SCONJ
fsr-3213	392	7	citizens	citizen	NOUN
fsr-3213	392	8	are	be	AUX
fsr-3213	392	9	more	more	ADV
fsr-3213	392	10	financially	financially	ADV
fsr-3213	392	11	literate	literate	ADJ
fsr-3213	392	12	,	,	PUNCT
fsr-3213	392	13	they	they	PRON
fsr-3213	392	14	will	will	AUX
fsr-3213	392	15	make	make	VERB
fsr-3213	392	16	better	well	ADJ
fsr-3213	392	17	financial	financial	ADJ
fsr-3213	392	18	decisions	decision	NOUN
fsr-3213	392	19	which	which	PRON
fsr-3213	392	20	will	will	AUX
fsr-3213	392	21	improve	improve	VERB
fsr-3213	392	22	their	their	PRON
fsr-3213	392	23	well	well	ADV
fsr-3213	392	24	-	-	PUNCT
fsr-3213	392	25	being	being	NOUN
fsr-3213	392	26	.	.	PUNCT
fsr-3213	393	1	there	there	PRON
fsr-3213	393	2	is	be	VERB
fsr-3213	393	3	much	much	ADJ
fsr-3213	393	4	debate	debate	NOUN
fsr-3213	393	5	about	about	ADP
fsr-3213	393	6	the	the	DET
fsr-3213	393	7	effectiveness	effectiveness	NOUN
fsr-3213	393	8	of	of	ADP
fsr-3213	393	9	financial	financial	ADJ
fsr-3213	393	10	education	education	NOUN
fsr-3213	393	11	(	(	PUNCT
fsr-3213	393	12	willis	willis	PROPN
fsr-3213	393	13	,	,	PUNCT
fsr-3213	393	14	2008	2008	NUM
fsr-3213	393	15	)	)	PUNCT
fsr-3213	393	16	that	that	PRON
fsr-3213	393	17	has	have	AUX
fsr-3213	393	18	led	lead	VERB
fsr-3213	393	19	researchers	researcher	NOUN
fsr-3213	393	20	to	to	PART
fsr-3213	393	21	focus	focus	VERB
fsr-3213	393	22	on	on	ADP
fsr-3213	393	23	behavioral	behavioral	ADJ
fsr-3213	393	24	interventions	intervention	NOUN
fsr-3213	393	25	.	.	PUNCT
fsr-3213	394	1	studies	study	NOUN
fsr-3213	394	2	by	by	ADP
fsr-3213	394	3	fernandes	fernande	NOUN
fsr-3213	394	4	,	,	PUNCT
fsr-3213	394	5	lynch	lynch	PROPN
fsr-3213	394	6	,	,	PUNCT
fsr-3213	394	7	and	and	CCONJ
fsr-3213	394	8	netemeyer	netemeyer	NOUN
fsr-3213	394	9	(	(	PUNCT
fsr-3213	394	10	2014	2014	NUM
fsr-3213	394	11	)	)	PUNCT
fsr-3213	394	12	and	and	CCONJ
fsr-3213	394	13	parker	parker	PROPN
fsr-3213	394	14	et	et	PROPN
fsr-3213	394	15	al	al	PROPN
fsr-3213	394	16	.	.	PROPN
fsr-3213	394	17	(	(	PUNCT
fsr-3213	394	18	2012	2012	NUM
fsr-3213	394	19	)	)	PUNCT
fsr-3213	394	20	find	find	VERB
fsr-3213	394	21	that	that	SCONJ
fsr-3213	394	22	confidence	confidence	NOUN
fsr-3213	394	23	is	be	AUX
fsr-3213	394	24	key	key	ADJ
fsr-3213	394	25	to	to	ADP
fsr-3213	394	26	improving	improve	VERB
fsr-3213	394	27	financial	financial	ADJ
fsr-3213	394	28	well	well	NOUN
fsr-3213	394	29	-	-	PUNCT
fsr-3213	394	30	being	being	NOUN
fsr-3213	394	31	and	and	CCONJ
fsr-3213	394	32	the	the	DET
fsr-3213	394	33	results	result	NOUN
fsr-3213	394	34	of	of	ADP
fsr-3213	394	35	this	this	DET
fsr-3213	394	36	study	study	NOUN
fsr-3213	394	37	support	support	VERB
fsr-3213	394	38	those	those	DET
fsr-3213	394	39	findings	finding	NOUN
fsr-3213	394	40	.	.	PUNCT
fsr-3213	395	1	given	give	VERB
fsr-3213	395	2	the	the	DET
fsr-3213	395	3	positive	positive	ADJ
fsr-3213	395	4	122	122	NUM
fsr-3213	395	5	j.	j.	PROPN
fsr-3213	395	6	letkiewicz	letkiewicz	PROPN
fsr-3213	395	7	et	et	PROPN
fsr-3213	395	8	al	al	PROPN
fsr-3213	395	9	.	.	PUNCT
fsr-3213	395	10	/	/	SYM
fsr-3213	395	11	financial	financial	ADJ
fsr-3213	395	12	services	service	NOUN
fsr-3213	395	13	review	review	VERB
fsr-3213	395	14	25	25	NUM
fsr-3213	395	15	(	(	PUNCT
fsr-3213	395	16	2016	2016	NUM
fsr-3213	395	17	)	)	PUNCT
fsr-3213	395	18	105–126	105–126	NUM
fsr-3213	395	19	behaviors	behavior	NOUN
fsr-3213	395	20	associated	associate	VERB
fsr-3213	395	21	with	with	ADP
fsr-3213	395	22	self	self	NOUN
fsr-3213	395	23	-	-	PUNCT
fsr-3213	395	24	efficacy	efficacy	NOUN
fsr-3213	395	25	and	and	CCONJ
fsr-3213	395	26	confidence	confidence	NOUN
fsr-3213	395	27	,	,	PUNCT
fsr-3213	395	28	both	both	PRON
fsr-3213	395	29	should	should	AUX
fsr-3213	395	30	be	be	AUX
fsr-3213	395	31	considered	consider	VERB
fsr-3213	395	32	when	when	SCONJ
fsr-3213	395	33	designing	design	VERB
fsr-3213	395	34	and	and	CCONJ
fsr-3213	395	35	deploying	deploy	VERB
fsr-3213	395	36	financial	financial	ADJ
fsr-3213	395	37	literacy	literacy	NOUN
fsr-3213	395	38	programs	program	NOUN
fsr-3213	395	39	.	.	PUNCT
fsr-3213	396	1	the	the	DET
fsr-3213	396	2	effect	effect	NOUN
fsr-3213	396	3	of	of	ADP
fsr-3213	396	4	wealth	wealth	NOUN
fsr-3213	396	5	on	on	ADP
fsr-3213	396	6	the	the	DET
fsr-3213	396	7	decision	decision	NOUN
fsr-3213	396	8	to	to	PART
fsr-3213	396	9	seek	seek	VERB
fsr-3213	396	10	financial	financial	ADJ
fsr-3213	396	11	advice	advice	NOUN
fsr-3213	396	12	will	will	AUX
fsr-3213	396	13	not	not	PART
fsr-3213	396	14	surprise	surprise	VERB
fsr-3213	396	15	anyone	anyone	PRON
fsr-3213	396	16	,	,	PUNCT
fsr-3213	396	17	and	and	CCONJ
fsr-3213	396	18	it	it	PRON
fsr-3213	396	19	suggests	suggest	VERB
fsr-3213	396	20	a	a	DET
fsr-3213	396	21	direction	direction	NOUN
fsr-3213	396	22	for	for	ADP
fsr-3213	396	23	public	public	ADJ
fsr-3213	396	24	policy	policy	NOUN
fsr-3213	396	25	.	.	PUNCT
fsr-3213	397	1	when	when	SCONJ
fsr-3213	397	2	we	we	PRON
fsr-3213	397	3	think	think	VERB
fsr-3213	397	4	about	about	ADP
fsr-3213	397	5	the	the	DET
fsr-3213	397	6	services	service	NOUN
fsr-3213	397	7	that	that	PRON
fsr-3213	397	8	society	society	NOUN
fsr-3213	397	9	deems	deem	VERB
fsr-3213	397	10	as	as	ADP
fsr-3213	397	11	important	important	ADJ
fsr-3213	397	12	,	,	PUNCT
fsr-3213	397	13	governments	government	NOUN
fsr-3213	397	14	or	or	CCONJ
fsr-3213	397	15	other	other	ADJ
fsr-3213	397	16	agencies	agency	NOUN
fsr-3213	397	17	provide	provide	VERB
fsr-3213	397	18	some	some	PRON
fsr-3213	397	19	of	of	ADP
fsr-3213	397	20	them	they	PRON
fsr-3213	397	21	for	for	ADP
fsr-3213	397	22	little	little	ADJ
fsr-3213	397	23	or	or	CCONJ
fsr-3213	397	24	no	no	PRON
fsr-3213	397	25	direct	direct	ADJ
fsr-3213	397	26	cost	cost	NOUN
fsr-3213	397	27	to	to	ADP
fsr-3213	397	28	consumers	consumer	NOUN
fsr-3213	397	29	.	.	PUNCT
fsr-3213	398	1	for	for	ADP
fsr-3213	398	2	example	example	NOUN
fsr-3213	398	3	,	,	PUNCT
fsr-3213	398	4	in	in	ADP
fsr-3213	398	5	canada	canada	PROPN
fsr-3213	398	6	,	,	PUNCT
fsr-3213	398	7	healthcare	healthcare	PROPN
fsr-3213	398	8	is	be	AUX
fsr-3213	398	9	universally	universally	ADV
fsr-3213	398	10	available	available	ADJ
fsr-3213	398	11	without	without	ADP
fsr-3213	398	12	additional	additional	ADJ
fsr-3213	398	13	fees	fee	NOUN
fsr-3213	398	14	,	,	PUNCT
fsr-3213	398	15	and	and	CCONJ
fsr-3213	398	16	in	in	ADP
fsr-3213	398	17	the	the	DET
fsr-3213	398	18	united	united	PROPN
fsr-3213	398	19	states	states	PROPN
fsr-3213	398	20	more	more	ADJ
fsr-3213	398	21	than	than	ADP
fsr-3213	398	22	100	100	NUM
fsr-3213	398	23	million	million	NUM
fsr-3213	398	24	people	people	NOUN
fsr-3213	398	25	have	have	VERB
fsr-3213	398	26	medical	medical	ADJ
fsr-3213	398	27	expenses	expense	NOUN
fsr-3213	398	28	paid	pay	VERB
fsr-3213	398	29	by	by	ADP
fsr-3213	398	30	medicare	medicare	PROPN
fsr-3213	398	31	and	and	CCONJ
fsr-3213	398	32	medicaid	medicaid	PROPN
fsr-3213	398	33	.	.	PUNCT
fsr-3213	399	1	legal	legal	ADJ
fsr-3213	399	2	aid	aid	NOUN
fsr-3213	399	3	is	be	AUX
fsr-3213	399	4	available	available	ADJ
fsr-3213	399	5	in	in	ADP
fsr-3213	399	6	canada	canada	PROPN
fsr-3213	399	7	and	and	CCONJ
fsr-3213	399	8	the	the	DET
fsr-3213	399	9	united	united	PROPN
fsr-3213	399	10	states	states	PROPN
fsr-3213	399	11	to	to	ADP
fsr-3213	399	12	those	those	PRON
fsr-3213	399	13	who	who	PRON
fsr-3213	399	14	can	can	AUX
fsr-3213	399	15	not	not	PART
fsr-3213	399	16	otherwise	otherwise	ADV
fsr-3213	399	17	afford	afford	VERB
fsr-3213	399	18	legal	legal	ADJ
fsr-3213	399	19	counsel	counsel	NOUN
fsr-3213	399	20	.	.	PUNCT
fsr-3213	400	1	we	we	PRON
fsr-3213	400	2	know	know	VERB
fsr-3213	400	3	that	that	SCONJ
fsr-3213	400	4	stress	stress	NOUN
fsr-3213	400	5	from	from	ADP
fsr-3213	400	6	financial	financial	ADJ
fsr-3213	400	7	issues	issue	NOUN
fsr-3213	400	8	can	can	AUX
fsr-3213	400	9	cause	cause	VERB
fsr-3213	400	10	mental	mental	ADJ
fsr-3213	400	11	and	and	CCONJ
fsr-3213	400	12	physical	physical	ADJ
fsr-3213	400	13	illness	illness	NOUN
fsr-3213	400	14	(	(	PUNCT
fsr-3213	400	15	e.g.	e.g.	ADV
fsr-3213	400	16	,	,	PUNCT
fsr-3213	400	17	buckland	buckland	PROPN
fsr-3213	400	18	,	,	PUNCT
fsr-3213	400	19	2012	2012	NUM
fsr-3213	400	20	;	;	PUNCT
fsr-3213	400	21	ennis	ennis	PROPN
fsr-3213	400	22	et	et	PROPN
fsr-3213	400	23	al	al	PROPN
fsr-3213	400	24	.	.	PROPN
fsr-3213	400	25	,	,	PUNCT
fsr-3213	400	26	2000	2000	NUM
fsr-3213	400	27	)	)	PUNCT
fsr-3213	400	28	,	,	PUNCT
fsr-3213	400	29	but	but	CCONJ
fsr-3213	400	30	this	this	DET
fsr-3213	400	31	knowledge	knowledge	NOUN
fsr-3213	400	32	has	have	AUX
fsr-3213	400	33	not	not	PART
fsr-3213	400	34	translated	translate	VERB
fsr-3213	400	35	into	into	ADP
fsr-3213	400	36	financial	financial	ADJ
fsr-3213	400	37	help	help	NOUN
fsr-3213	400	38	for	for	ADP
fsr-3213	400	39	most	most	ADJ
fsr-3213	400	40	citizens	citizen	NOUN
fsr-3213	400	41	.	.	PUNCT
fsr-3213	401	1	buckland	buckland	PROPN
fsr-3213	401	2	(	(	PUNCT
fsr-3213	401	3	2012	2012	NUM
fsr-3213	401	4	)	)	PUNCT
fsr-3213	401	5	describes	describe	VERB
fsr-3213	401	6	the	the	DET
fsr-3213	401	7	patchwork	patchwork	NOUN
fsr-3213	401	8	nature	nature	NOUN
fsr-3213	401	9	of	of	ADP
fsr-3213	401	10	financial	financial	ADJ
fsr-3213	401	11	advising	advise	VERB
fsr-3213	401	12	support	support	NOUN
fsr-3213	401	13	and	and	CCONJ
fsr-3213	401	14	access	access	NOUN
fsr-3213	401	15	to	to	ADP
fsr-3213	401	16	financial	financial	ADJ
fsr-3213	401	17	services	service	NOUN
fsr-3213	401	18	for	for	ADP
fsr-3213	401	19	lower	low	ADJ
fsr-3213	401	20	income	income	NOUN
fsr-3213	401	21	families	family	NOUN
fsr-3213	401	22	in	in	ADP
fsr-3213	401	23	canada	canada	PROPN
fsr-3213	401	24	.	.	PUNCT
fsr-3213	402	1	many	many	ADJ
fsr-3213	402	2	families	family	NOUN
fsr-3213	402	3	get	get	VERB
fsr-3213	402	4	their	their	PRON
fsr-3213	402	5	basic	basic	ADJ
fsr-3213	402	6	financial	financial	ADJ
fsr-3213	402	7	information	information	NOUN
fsr-3213	402	8	from	from	ADP
fsr-3213	402	9	banks	bank	NOUN
fsr-3213	402	10	and	and	CCONJ
fsr-3213	402	11	credit	credit	NOUN
fsr-3213	402	12	unions	union	NOUN
fsr-3213	402	13	,	,	PUNCT
fsr-3213	402	14	but	but	CCONJ
fsr-3213	402	15	9	9	NUM
fsr-3213	402	16	%	%	NOUN
fsr-3213	402	17	of	of	ADP
fsr-3213	402	18	americans	americans	PROPN
fsr-3213	402	19	,	,	PUNCT
fsr-3213	402	20	8	8	NUM
fsr-3213	402	21	%	%	NOUN
fsr-3213	402	22	of	of	ADP
fsr-3213	402	23	u.k	u.k	PROPN
fsr-3213	402	24	.	.	PROPN
fsr-3213	402	25	residents	resident	NOUN
fsr-3213	402	26	and	and	CCONJ
fsr-3213	402	27	3	3	NUM
fsr-3213	402	28	%	%	NOUN
fsr-3213	402	29	of	of	ADP
fsr-3213	402	30	canadians	canadian	NOUN
fsr-3213	402	31	do	do	AUX
fsr-3213	402	32	not	not	PART
fsr-3213	402	33	have	have	VERB
fsr-3213	402	34	a	a	DET
fsr-3213	402	35	bank	bank	NOUN
fsr-3213	402	36	account	account	NOUN
fsr-3213	402	37	,	,	PUNCT
fsr-3213	402	38	and	and	CCONJ
fsr-3213	402	39	the	the	DET
fsr-3213	402	40	percentages	percentage	NOUN
fsr-3213	402	41	are	be	AUX
fsr-3213	402	42	much	much	ADV
fsr-3213	402	43	higher	high	ADJ
fsr-3213	402	44	for	for	ADP
fsr-3213	402	45	the	the	DET
fsr-3213	402	46	lowest	low	ADJ
fsr-3213	402	47	income	income	NOUN
fsr-3213	402	48	decile	decile	NOUN
fsr-3213	402	49	.	.	PUNCT
fsr-3213	403	1	some	some	DET
fsr-3213	403	2	agencies	agency	NOUN
fsr-3213	403	3	provide	provide	VERB
fsr-3213	403	4	financial	financial	ADJ
fsr-3213	403	5	counseling	counseling	NOUN
fsr-3213	403	6	to	to	ADP
fsr-3213	403	7	low	low	ADJ
fsr-3213	403	8	income	income	NOUN
fsr-3213	403	9	families	family	NOUN
fsr-3213	403	10	,	,	PUNCT
fsr-3213	403	11	but	but	CCONJ
fsr-3213	403	12	these	these	DET
fsr-3213	403	13	services	service	NOUN
fsr-3213	403	14	are	be	AUX
fsr-3213	403	15	not	not	PART
fsr-3213	403	16	universally	universally	ADV
fsr-3213	403	17	available	available	ADJ
fsr-3213	403	18	.	.	PUNCT
fsr-3213	404	1	for	for	ADP
fsr-3213	404	2	example	example	NOUN
fsr-3213	404	3	,	,	PUNCT
fsr-3213	404	4	land	land	NOUN
fsr-3213	404	5	grant	grant	NOUN
fsr-3213	404	6	colleges	college	NOUN
fsr-3213	404	7	in	in	ADP
fsr-3213	404	8	the	the	DET
fsr-3213	404	9	united	united	PROPN
fsr-3213	404	10	states	states	PROPN
fsr-3213	404	11	offer	offer	VERB
fsr-3213	404	12	financial	financial	ADJ
fsr-3213	404	13	counseling	counseling	NOUN
fsr-3213	404	14	to	to	ADP
fsr-3213	404	15	low	low	ADJ
fsr-3213	404	16	income	income	NOUN
fsr-3213	404	17	families	family	NOUN
fsr-3213	404	18	,	,	PUNCT
fsr-3213	404	19	but	but	CCONJ
fsr-3213	404	20	these	these	DET
fsr-3213	404	21	services	service	NOUN
fsr-3213	404	22	are	be	AUX
fsr-3213	404	23	not	not	PART
fsr-3213	404	24	widely	widely	ADV
fsr-3213	404	25	available	available	ADJ
fsr-3213	404	26	and	and	CCONJ
fsr-3213	404	27	no	no	DET
fsr-3213	404	28	such	such	ADJ
fsr-3213	404	29	practice	practice	NOUN
fsr-3213	404	30	exists	exist	VERB
fsr-3213	404	31	in	in	ADP
fsr-3213	404	32	canada	canada	PROPN
fsr-3213	404	33	.	.	PUNCT
fsr-3213	405	1	some	some	DET
fsr-3213	405	2	services	service	NOUN
fsr-3213	405	3	such	such	ADJ
fsr-3213	405	4	as	as	ADP
fsr-3213	405	5	tax	tax	NOUN
fsr-3213	405	6	clinics	clinic	NOUN
fsr-3213	405	7	for	for	ADP
fsr-3213	405	8	low	low	ADJ
fsr-3213	405	9	income	income	NOUN
fsr-3213	405	10	families	family	NOUN
fsr-3213	405	11	depend	depend	VERB
fsr-3213	405	12	almost	almost	ADV
fsr-3213	405	13	exclusively	exclusively	ADV
fsr-3213	405	14	on	on	ADP
fsr-3213	405	15	volunteers	volunteer	NOUN
fsr-3213	405	16	.	.	PUNCT
fsr-3213	406	1	debt	debt	NOUN
fsr-3213	406	2	counseling	counseling	NOUN
fsr-3213	406	3	agencies	agency	NOUN
fsr-3213	406	4	depend	depend	VERB
fsr-3213	406	5	on	on	ADP
fsr-3213	406	6	voluntary	voluntary	ADJ
fsr-3213	406	7	funding	funding	NOUN
fsr-3213	406	8	from	from	ADP
fsr-3213	406	9	financial	financial	ADJ
fsr-3213	406	10	institutions	institution	NOUN
fsr-3213	406	11	that	that	PRON
fsr-3213	406	12	is	be	AUX
fsr-3213	406	13	not	not	PART
fsr-3213	406	14	guaranteed	guarantee	VERB
fsr-3213	406	15	in	in	ADP
fsr-3213	406	16	the	the	DET
fsr-3213	406	17	long	long	ADJ
fsr-3213	406	18	run	run	NOUN
fsr-3213	406	19	.	.	PUNCT
fsr-3213	407	1	in	in	ADP
fsr-3213	407	2	short	short	ADJ
fsr-3213	407	3	,	,	PUNCT
fsr-3213	407	4	access	access	NOUN
fsr-3213	407	5	to	to	ADP
fsr-3213	407	6	financial	financial	ADJ
fsr-3213	407	7	counseling	counseling	NOUN
fsr-3213	407	8	is	be	AUX
fsr-3213	407	9	not	not	PART
fsr-3213	407	10	well	well	ADV
fsr-3213	407	11	-	-	PUNCT
fsr-3213	407	12	coordinated	coordinate	VERB
fsr-3213	407	13	or	or	CCONJ
fsr-3213	407	14	funded	fund	VERB
fsr-3213	407	15	and	and	CCONJ
fsr-3213	407	16	perhaps	perhaps	ADV
fsr-3213	407	17	we	we	PRON
fsr-3213	407	18	need	need	VERB
fsr-3213	407	19	a	a	DET
fsr-3213	407	20	more	more	ADV
fsr-3213	407	21	comprehensive	comprehensive	ADJ
fsr-3213	407	22	policy	policy	NOUN
fsr-3213	407	23	to	to	PART
fsr-3213	407	24	address	address	VERB
fsr-3213	407	25	this	this	PRON
fsr-3213	407	26	.	.	PUNCT
fsr-3213	408	1	the	the	DET
fsr-3213	408	2	exploration	exploration	NOUN
fsr-3213	408	3	of	of	ADP
fsr-3213	408	4	financial	financial	ADJ
fsr-3213	408	5	clinics	clinic	NOUN
fsr-3213	408	6	modeled	model	VERB
fsr-3213	408	7	on	on	ADP
fsr-3213	408	8	legal	legal	ADJ
fsr-3213	408	9	aid	aid	NOUN
fsr-3213	408	10	accessibility	accessibility	NOUN
fsr-3213	408	11	would	would	AUX
fsr-3213	408	12	be	be	AUX
fsr-3213	408	13	of	of	ADP
fsr-3213	408	14	some	some	DET
fsr-3213	408	15	merit	merit	NOUN
fsr-3213	408	16	and	and	CCONJ
fsr-3213	408	17	policy	policy	NOUN
fsr-3213	408	18	options	option	NOUN
fsr-3213	408	19	that	that	PRON
fsr-3213	408	20	ensure	ensure	VERB
fsr-3213	408	21	everyone	everyone	PRON
fsr-3213	408	22	has	have	VERB
fsr-3213	408	23	some	some	DET
fsr-3213	408	24	basic	basic	ADJ
fsr-3213	408	25	access	access	NOUN
fsr-3213	408	26	to	to	ADP
fsr-3213	408	27	financial	financial	ADJ
fsr-3213	408	28	counseling	counseling	NOUN
fsr-3213	408	29	may	may	AUX
fsr-3213	408	30	be	be	AUX
fsr-3213	408	31	a	a	DET
fsr-3213	408	32	worthy	worthy	ADJ
fsr-3213	408	33	endeavor	endeavor	NOUN
fsr-3213	408	34	.	.	PUNCT
fsr-3213	409	1	acknowledgments	acknowledgment	NOUN
fsr-3213	409	2	the	the	DET
fsr-3213	409	3	authors	author	NOUN
fsr-3213	409	4	thank	thank	VERB
fsr-3213	409	5	the	the	DET
fsr-3213	409	6	fp	fp	PROPN
fsr-3213	409	7	foundationtm	foundationtm	PROPN
fsr-3213	409	8	for	for	ADP
fsr-3213	409	9	its	its	PRON
fsr-3213	409	10	generous	generous	ADJ
fsr-3213	409	11	support	support	NOUN
fsr-3213	409	12	and	and	CCONJ
fsr-3213	409	13	natallia	natallia	INTJ
fsr-3213	409	14	uborceva	uborceva	PROPN
fsr-3213	409	15	for	for	ADP
fsr-3213	409	16	research	research	NOUN
fsr-3213	409	17	support	support	NOUN
fsr-3213	409	18	.	.	PUNCT
fsr-3213	410	1	references	reference	NOUN
fsr-3213	410	2	anderson	anderson	PROPN
fsr-3213	410	3	,	,	PUNCT
fsr-3213	410	4	c.	c.	PROPN
fsr-3213	410	5	(	(	PUNCT
fsr-3213	410	6	2012	2012	NUM
fsr-3213	410	7	)	)	PUNCT
fsr-3213	410	8	.	.	PUNCT
fsr-3213	411	1	financial	financial	ADJ
fsr-3213	411	2	self	self	NOUN
fsr-3213	411	3	-	-	PUNCT
fsr-3213	411	4	efficacy	efficacy	NOUN
fsr-3213	411	5	in	in	ADP
fsr-3213	411	6	your	your	PRON
fsr-3213	411	7	clients	client	NOUN
fsr-3213	411	8	’	'	PUNCT
fsr-3213	411	9	lives	life	NOUN
fsr-3213	411	10	.	.	PUNCT
fsr-3213	412	1	journal	journal	NOUN
fsr-3213	412	2	of	of	ADP
fsr-3213	412	3	financial	financial	ADJ
fsr-3213	412	4	planning	planning	NOUN
fsr-3213	412	5	practice	practice	NOUN
fsr-3213	412	6	management	management	NOUN
fsr-3213	412	7	blog	blog	NOUN
fsr-3213	412	8	.	.	PUNCT
fsr-3213	413	1	[	[	X
fsr-3213	413	2	online	online	X
fsr-3213	413	3	]	]	X
fsr-3213	413	4	available	available	ADJ
fsr-3213	413	5	at	at	ADP
fsr-3213	413	6	http://practicemanagementblog.onefpa.org/2012/03/20/financialself-efficacy-in-your-clients-lives/	http://practicemanagementblog.onefpa.org/2012/03/20/financialself-efficacy-in-your-clients-lives/	PROPN
fsr-3213	413	7	(	(	PUNCT
fsr-3213	413	8	accessed	access	VERB
fsr-3213	413	9	july	july	PROPN
fsr-3213	413	10	23	23	NUM
fsr-3213	413	11	,	,	PUNCT
fsr-3213	413	12	2015	2015	NUM
fsr-3213	413	13	)	)	PUNCT
fsr-3213	413	14	.	.	PUNCT
fsr-3213	414	1	bandura	bandura	NOUN
fsr-3213	414	2	,	,	PUNCT
fsr-3213	414	3	a.	a.	NOUN
fsr-3213	414	4	(	(	PUNCT
fsr-3213	414	5	1977	1977	NUM
fsr-3213	414	6	)	)	PUNCT
fsr-3213	414	7	.	.	PUNCT
fsr-3213	415	1	self	self	NOUN
fsr-3213	415	2	-	-	PUNCT
fsr-3213	415	3	efficacy	efficacy	NOUN
fsr-3213	415	4	:	:	PUNCT
fsr-3213	415	5	toward	toward	ADP
fsr-3213	415	6	a	a	DET
fsr-3213	415	7	unifying	unifying	ADJ
fsr-3213	415	8	theory	theory	NOUN
fsr-3213	415	9	of	of	ADP
fsr-3213	415	10	behavioral	behavioral	ADJ
fsr-3213	415	11	change	change	NOUN
fsr-3213	415	12	.	.	PUNCT
fsr-3213	416	1	psychological	psychological	ADJ
fsr-3213	416	2	review	review	NOUN
fsr-3213	416	3	,	,	PUNCT
fsr-3213	416	4	84	84	NUM
fsr-3213	416	5	,	,	PUNCT
fsr-3213	416	6	191–215	191–215	NUM
fsr-3213	416	7	.	.	PUNCT
fsr-3213	416	8	bandura	bandura	NOUN
fsr-3213	416	9	,	,	PUNCT
fsr-3213	416	10	a.	a.	NOUN
fsr-3213	416	11	(	(	PUNCT
fsr-3213	416	12	1992	1992	NUM
fsr-3213	416	13	)	)	PUNCT
fsr-3213	416	14	.	.	PUNCT
fsr-3213	417	1	exercise	exercise	NOUN
fsr-3213	417	2	of	of	ADP
fsr-3213	417	3	personal	personal	ADJ
fsr-3213	417	4	agency	agency	NOUN
fsr-3213	417	5	through	through	ADP
fsr-3213	417	6	the	the	DET
fsr-3213	417	7	self	self	NOUN
fsr-3213	417	8	-	-	PUNCT
fsr-3213	417	9	efficacy	efficacy	NOUN
fsr-3213	417	10	mechanism	mechanism	NOUN
fsr-3213	417	11	.	.	PUNCT
fsr-3213	418	1	in	in	ADP
fsr-3213	418	2	r.	r.	PROPN
fsr-3213	418	3	schwarzer	schwarzer	PROPN
fsr-3213	418	4	(	(	PUNCT
fsr-3213	418	5	ed	ed	NOUN
fsr-3213	418	6	.	.	PUNCT
fsr-3213	418	7	)	)	PUNCT
fsr-3213	418	8	,	,	PUNCT
fsr-3213	418	9	self	self	NOUN
fsr-3213	418	10	-	-	PUNCT
fsr-3213	418	11	efficacy	efficacy	NOUN
fsr-3213	418	12	:	:	PUNCT
fsr-3213	418	13	thought	think	VERB
fsr-3213	418	14	control	control	NOUN
fsr-3213	418	15	of	of	ADP
fsr-3213	418	16	action	action	NOUN
fsr-3213	418	17	(	(	PUNCT
fsr-3213	418	18	pp	pp	ADJ
fsr-3213	418	19	.	.	PUNCT
fsr-3213	419	1	3–38	3–38	NUM
fsr-3213	419	2	)	)	PUNCT
fsr-3213	419	3	.	.	PUNCT
fsr-3213	420	1	washington	washington	PROPN
fsr-3213	420	2	,	,	PUNCT
fsr-3213	420	3	d.c	d.c	PROPN
fsr-3213	420	4	.	.	PUNCT
fsr-3213	420	5	:	:	PUNCT
fsr-3213	421	1	hemisphere	hemisphere	ADV
fsr-3213	421	2	.	.	PUNCT
fsr-3213	422	1	bandura	bandura	NOUN
fsr-3213	422	2	,	,	PUNCT
fsr-3213	422	3	a.	a.	NOUN
fsr-3213	422	4	(	(	PUNCT
fsr-3213	422	5	1997	1997	NUM
fsr-3213	422	6	)	)	PUNCT
fsr-3213	422	7	.	.	PUNCT
fsr-3213	423	1	self	self	NOUN
fsr-3213	423	2	-	-	PUNCT
fsr-3213	423	3	efficacy	efficacy	NOUN
fsr-3213	423	4	:	:	PUNCT
fsr-3213	423	5	the	the	DET
fsr-3213	423	6	exercise	exercise	NOUN
fsr-3213	423	7	of	of	ADP
fsr-3213	423	8	control	control	NOUN
fsr-3213	423	9	.	.	PUNCT
fsr-3213	424	1	new	new	PROPN
fsr-3213	424	2	york	york	PROPN
fsr-3213	424	3	,	,	PUNCT
fsr-3213	424	4	ny	ny	PROPN
fsr-3213	424	5	:	:	PUNCT
fsr-3213	424	6	freeman	freeman	PROPN
fsr-3213	424	7	.	.	PROPN
fsr-3213	424	8	123j	123j	PROPN
fsr-3213	424	9	.	.	PUNCT
fsr-3213	425	1	letkiewicz	letkiewicz	PROPN
fsr-3213	425	2	et	et	PROPN
fsr-3213	425	3	al	al	PROPN
fsr-3213	425	4	.	.	PUNCT
fsr-3213	425	5	/	/	SYM
fsr-3213	425	6	financial	financial	ADJ
fsr-3213	425	7	services	service	NOUN
fsr-3213	425	8	review	review	VERB
fsr-3213	425	9	25	25	NUM
fsr-3213	425	10	(	(	PUNCT
fsr-3213	425	11	2016	2016	NUM
fsr-3213	425	12	)	)	PUNCT
fsr-3213	425	13	105–126	105–126	NUM
fsr-3213	425	14	bandura	bandura	NOUN
fsr-3213	425	15	,	,	PUNCT
fsr-3213	425	16	a.	a.	NOUN
fsr-3213	425	17	(	(	PUNCT
fsr-3213	425	18	2006	2006	NUM
fsr-3213	425	19	)	)	PUNCT
fsr-3213	425	20	.	.	PUNCT
fsr-3213	426	1	guide	guide	VERB
fsr-3213	426	2	for	for	ADP
fsr-3213	426	3	constructing	construct	VERB
fsr-3213	426	4	self	self	NOUN
fsr-3213	426	5	-	-	PUNCT
fsr-3213	426	6	efficacy	efficacy	NOUN
fsr-3213	426	7	scales	scale	NOUN
fsr-3213	426	8	.	.	PUNCT
fsr-3213	427	1	in	in	ADP
fsr-3213	427	2	t.	t.	PROPN
fsr-3213	427	3	urdan	urdan	PROPN
fsr-3213	427	4	&	&	CCONJ
fsr-3213	427	5	f.	f.	PROPN
fsr-3213	427	6	pajares	pajares	PROPN
fsr-3213	427	7	(	(	PUNCT
fsr-3213	427	8	eds	ed	NOUN
fsr-3213	427	9	.	.	PUNCT
fsr-3213	427	10	)	)	PUNCT
fsr-3213	427	11	.	.	PUNCT
fsr-3213	428	1	self	self	NOUN
fsr-3213	428	2	-	-	PUNCT
fsr-3213	428	3	efficacy	efficacy	NOUN
fsr-3213	428	4	beliefs	belief	NOUN
fsr-3213	428	5	of	of	ADP
fsr-3213	428	6	adolescents	adolescents	PROPN
fsr-3213	428	7	.	.	PUNCT
fsr-3213	429	1	charlotte	charlotte	PROPN
fsr-3213	429	2	,	,	PUNCT
fsr-3213	429	3	nc	nc	PROPN
fsr-3213	429	4	:	:	PUNCT
fsr-3213	429	5	information	information	NOUN
fsr-3213	429	6	age	age	NOUN
fsr-3213	429	7	publishing	publishing	NOUN
fsr-3213	429	8	.	.	PUNCT
fsr-3213	430	1	blanchett	blanchett	PROPN
fsr-3213	430	2	,	,	PUNCT
fsr-3213	430	3	d.	d.	PROPN
fsr-3213	430	4	,	,	PUNCT
fsr-3213	430	5	&	&	CCONJ
fsr-3213	430	6	kaplan	kaplan	PROPN
fsr-3213	430	7	,	,	PUNCT
fsr-3213	430	8	p.	p.	PROPN
fsr-3213	430	9	(	(	PUNCT
fsr-3213	430	10	2013	2013	NUM
fsr-3213	430	11	)	)	PUNCT
fsr-3213	430	12	.	.	PUNCT
fsr-3213	431	1	alpha	alpha	NOUN
fsr-3213	431	2	,	,	PUNCT
fsr-3213	431	3	beta	beta	NOUN
fsr-3213	431	4	,	,	PUNCT
fsr-3213	431	5	and	and	CCONJ
fsr-3213	431	6	now	now	ADV
fsr-3213	431	7	…	…	PUNCT
fsr-3213	431	8	gamma	gamma	NOUN
fsr-3213	431	9	.	.	PUNCT
fsr-3213	432	1	the	the	DET
fsr-3213	432	2	journal	journal	PROPN
fsr-3213	432	3	of	of	ADP
fsr-3213	432	4	retirement	retirement	NOUN
fsr-3213	432	5	,	,	PUNCT
fsr-3213	432	6	1	1	NUM
fsr-3213	432	7	,	,	PUNCT
fsr-3213	432	8	29–45	29–45	NUM
fsr-3213	432	9	.	.	PUNCT
fsr-3213	433	1	britt	britt	PROPN
fsr-3213	433	2	,	,	PUNCT
fsr-3213	433	3	s.	s.	PROPN
fsr-3213	433	4	,	,	PUNCT
fsr-3213	433	5	grable	grable	PROPN
fsr-3213	433	6	,	,	PUNCT
fsr-3213	433	7	j.	j.	PROPN
fsr-3213	433	8	e.	e.	PROPN
fsr-3213	433	9	,	,	PUNCT
fsr-3213	433	10	goff	goff	PROPN
fsr-3213	433	11	,	,	PUNCT
fsr-3213	433	12	b.	b.	PROPN
fsr-3213	433	13	s.	s.	PROPN
fsr-3213	433	14	n.	n.	PROPN
fsr-3213	433	15	,	,	PUNCT
fsr-3213	433	16	&	&	CCONJ
fsr-3213	433	17	white	white	ADJ
fsr-3213	433	18	,	,	PUNCT
fsr-3213	433	19	m.	m.	NOUN
fsr-3213	433	20	(	(	PUNCT
fsr-3213	433	21	2008	2008	NUM
fsr-3213	433	22	)	)	PUNCT
fsr-3213	433	23	.	.	PUNCT
fsr-3213	434	1	the	the	DET
fsr-3213	434	2	influence	influence	NOUN
fsr-3213	434	3	of	of	ADP
fsr-3213	434	4	perceived	perceive	VERB
fsr-3213	434	5	spending	spending	NOUN
fsr-3213	434	6	behaviors	behavior	NOUN
fsr-3213	434	7	on	on	ADP
fsr-3213	434	8	relationship	relationship	NOUN
fsr-3213	434	9	satisfaction	satisfaction	NOUN
fsr-3213	434	10	.	.	PUNCT
fsr-3213	435	1	journal	journal	NOUN
fsr-3213	435	2	of	of	ADP
fsr-3213	435	3	financial	financial	ADJ
fsr-3213	435	4	counseling	counseling	NOUN
fsr-3213	435	5	and	and	CCONJ
fsr-3213	435	6	planning	planning	NOUN
fsr-3213	435	7	,	,	PUNCT
fsr-3213	435	8	19	19	NUM
fsr-3213	435	9	,	,	PUNCT
fsr-3213	435	10	31–43	31–43	NUM
fsr-3213	435	11	.	.	PUNCT
fsr-3213	435	12	buckland	buckland	PROPN
fsr-3213	435	13	,	,	PUNCT
fsr-3213	435	14	j.	j.	PROPN
fsr-3213	435	15	(	(	PUNCT
fsr-3213	435	16	2012	2012	NUM
fsr-3213	435	17	)	)	PUNCT
fsr-3213	435	18	.	.	PUNCT
fsr-3213	436	1	hard	hard	ADJ
fsr-3213	436	2	choices	choice	NOUN
fsr-3213	436	3	:	:	PUNCT
fsr-3213	436	4	financial	financial	ADJ
fsr-3213	436	5	exclusion	exclusion	NOUN
fsr-3213	436	6	,	,	PUNCT
fsr-3213	436	7	fringe	fringe	NOUN
fsr-3213	436	8	banks	bank	NOUN
fsr-3213	436	9	and	and	CCONJ
fsr-3213	436	10	poverty	poverty	NOUN
fsr-3213	436	11	in	in	ADP
fsr-3213	436	12	urban	urban	PROPN
fsr-3213	436	13	canada	canada	PROPN
fsr-3213	436	14	.	.	PUNCT
fsr-3213	437	1	toronto	toronto	PROPN
fsr-3213	437	2	:	:	PUNCT
fsr-3213	437	3	university	university	PROPN
fsr-3213	437	4	of	of	ADP
fsr-3213	437	5	toronto	toronto	PROPN
fsr-3213	437	6	press	press	PROPN
fsr-3213	437	7	.	.	PUNCT
fsr-3213	438	1	burgogne	burgogne	NOUN
fsr-3213	438	2	,	,	PUNCT
fsr-3213	438	3	c.	c.	PROPN
fsr-3213	438	4	(	(	PUNCT
fsr-3213	438	5	1990	1990	NUM
fsr-3213	438	6	)	)	PUNCT
fsr-3213	438	7	.	.	PUNCT
fsr-3213	439	1	money	money	NOUN
fsr-3213	439	2	in	in	ADP
fsr-3213	439	3	marriage	marriage	NOUN
fsr-3213	439	4	:	:	PUNCT
fsr-3213	439	5	how	how	SCONJ
fsr-3213	439	6	patterns	pattern	NOUN
fsr-3213	439	7	of	of	ADP
fsr-3213	439	8	allocation	allocation	NOUN
fsr-3213	439	9	both	both	CCONJ
fsr-3213	439	10	reflect	reflect	VERB
fsr-3213	439	11	and	and	CCONJ
fsr-3213	439	12	conceal	conceal	VERB
fsr-3213	439	13	power	power	NOUN
fsr-3213	439	14	.	.	PUNCT
fsr-3213	440	1	sociological	sociological	ADJ
fsr-3213	440	2	review	review	PROPN
fsr-3213	440	3	,	,	PUNCT
fsr-3213	440	4	38	38	NUM
fsr-3213	440	5	,	,	PUNCT
fsr-3213	440	6	634–665	634–665	NUM
fsr-3213	440	7	.	.	PUNCT
fsr-3213	441	1	collins	collins	PROPN
fsr-3213	441	2	,	,	PUNCT
fsr-3213	441	3	j.	j.	PROPN
fsr-3213	441	4	m.	m.	PROPN
fsr-3213	441	5	(	(	PUNCT
fsr-3213	441	6	2010	2010	NUM
fsr-3213	441	7	)	)	PUNCT
fsr-3213	441	8	.	.	PUNCT
fsr-3213	442	1	a	a	DET
fsr-3213	442	2	review	review	NOUN
fsr-3213	442	3	of	of	ADP
fsr-3213	442	4	financial	financial	ADJ
fsr-3213	442	5	advice	advice	NOUN
fsr-3213	442	6	models	model	NOUN
fsr-3213	442	7	and	and	CCONJ
fsr-3213	442	8	the	the	DET
fsr-3213	442	9	take	take	VERB
fsr-3213	442	10	-	-	PUNCT
fsr-3213	442	11	up	up	NOUN
fsr-3213	442	12	of	of	ADP
fsr-3213	442	13	financial	financial	ADJ
fsr-3213	442	14	advice	advice	NOUN
fsr-3213	442	15	.	.	PUNCT
fsr-3213	443	1	center	center	NOUN
fsr-3213	443	2	for	for	ADP
fsr-3213	443	3	financial	financial	ADJ
fsr-3213	443	4	security	security	NOUN
fsr-3213	443	5	working	working	NOUN
fsr-3213	443	6	paper	paper	NOUN
fsr-3213	443	7	,	,	PUNCT
fsr-3213	443	8	10–5	10–5	PROPN
fsr-3213	443	9	.	.	PUNCT
fsr-3213	443	10	collins	collins	PROPN
fsr-3213	443	11	,	,	PUNCT
fsr-3213	443	12	j.	j.	PROPN
fsr-3213	443	13	m.	m.	PROPN
fsr-3213	443	14	(	(	PUNCT
fsr-3213	443	15	2012	2012	NUM
fsr-3213	443	16	)	)	PUNCT
fsr-3213	443	17	.	.	PUNCT
fsr-3213	444	1	financial	financial	ADJ
fsr-3213	444	2	advice	advice	NOUN
fsr-3213	444	3	:	:	PUNCT
fsr-3213	444	4	a	a	DET
fsr-3213	444	5	substitute	substitute	NOUN
fsr-3213	444	6	for	for	ADP
fsr-3213	444	7	financial	financial	ADJ
fsr-3213	444	8	literacy	literacy	NOUN
fsr-3213	444	9	?	?	PUNCT
fsr-3213	445	1	financial	financial	ADJ
fsr-3213	445	2	services	service	NOUN
fsr-3213	445	3	review	review	PROPN
fsr-3213	445	4	,	,	PUNCT
fsr-3213	445	5	21	21	NUM
fsr-3213	445	6	,	,	PUNCT
fsr-3213	445	7	307–322	307–322	NUM
fsr-3213	445	8	.	.	PUNCT
fsr-3213	445	9	cummings	cummings	PROPN
fsr-3213	445	10	,	,	PUNCT
fsr-3213	445	11	b.	b.	PROPN
fsr-3213	445	12	f.	f.	PROPN
fsr-3213	445	13	,	,	PUNCT
fsr-3213	445	14	&	&	CCONJ
fsr-3213	445	15	james	james	PROPN
fsr-3213	445	16	,	,	PUNCT
fsr-3213	445	17	r.	r.	PROPN
fsr-3213	445	18	n.	n.	PROPN
fsr-3213	445	19	iii	iii	PROPN
fsr-3213	445	20	.	.	PUNCT
fsr-3213	445	21	(	(	PUNCT
fsr-3213	445	22	2014	2014	NUM
fsr-3213	445	23	)	)	PUNCT
fsr-3213	445	24	.	.	PUNCT
fsr-3213	446	1	factors	factor	NOUN
fsr-3213	446	2	associated	associate	VERB
fsr-3213	446	3	with	with	ADP
fsr-3213	446	4	getting	get	VERB
fsr-3213	446	5	and	and	CCONJ
fsr-3213	446	6	dropping	drop	VERB
fsr-3213	446	7	financial	financial	ADJ
fsr-3213	446	8	advisors	advisor	NOUN
fsr-3213	446	9	among	among	ADP
fsr-3213	446	10	older	old	ADJ
fsr-3213	446	11	adults	adult	NOUN
fsr-3213	446	12	.	.	PUNCT
fsr-3213	447	1	journal	journal	NOUN
fsr-3213	447	2	of	of	ADP
fsr-3213	447	3	financial	financial	ADJ
fsr-3213	447	4	counseling	counseling	NOUN
fsr-3213	447	5	and	and	CCONJ
fsr-3213	447	6	planning	planning	NOUN
fsr-3213	447	7	,	,	PUNCT
fsr-3213	447	8	25	25	NUM
fsr-3213	447	9	,	,	PUNCT
fsr-3213	447	10	129–147	129–147	NUM
fsr-3213	447	11	.	.	PUNCT
fsr-3213	448	1	danes	dane	NOUN
fsr-3213	448	2	,	,	PUNCT
fsr-3213	448	3	s.	s.	PROPN
fsr-3213	448	4	m.	m.	PROPN
fsr-3213	448	5	,	,	PUNCT
fsr-3213	448	6	&	&	CCONJ
fsr-3213	448	7	haberman	haberman	PROPN
fsr-3213	448	8	,	,	PUNCT
fsr-3213	448	9	h.	h.	PROPN
fsr-3213	448	10	r.	r.	PROPN
fsr-3213	448	11	(	(	PUNCT
fsr-3213	448	12	2007	2007	NUM
fsr-3213	448	13	)	)	PUNCT
fsr-3213	448	14	.	.	PUNCT
fsr-3213	449	1	teen	teen	ADJ
fsr-3213	449	2	financial	financial	ADJ
fsr-3213	449	3	knowledge	knowledge	NOUN
fsr-3213	449	4	,	,	PUNCT
fsr-3213	449	5	self	self	NOUN
fsr-3213	449	6	-	-	PUNCT
fsr-3213	449	7	efficacy	efficacy	NOUN
fsr-3213	449	8	,	,	PUNCT
fsr-3213	449	9	and	and	CCONJ
fsr-3213	449	10	behavior	behavior	NOUN
fsr-3213	449	11	:	:	PUNCT
fsr-3213	449	12	a	a	DET
fsr-3213	449	13	gendered	gendered	NOUN
fsr-3213	449	14	view	view	NOUN
fsr-3213	449	15	.	.	PUNCT
fsr-3213	450	1	financial	financial	ADJ
fsr-3213	450	2	counseling	counseling	NOUN
fsr-3213	450	3	and	and	CCONJ
fsr-3213	450	4	planning	planning	NOUN
fsr-3213	450	5	,	,	PUNCT
fsr-3213	450	6	18	18	NUM
fsr-3213	450	7	,	,	PUNCT
fsr-3213	450	8	48–60	48–60	PROPN
fsr-3213	450	9	.	.	PUNCT
fsr-3213	451	1	dearden	dearden	PROPN
fsr-3213	451	2	,	,	PUNCT
fsr-3213	451	3	c.	c.	PROPN
fsr-3213	451	4	,	,	PUNCT
fsr-3213	451	5	goode	goode	PROPN
fsr-3213	451	6	,	,	PUNCT
fsr-3213	451	7	j.	j.	PROPN
fsr-3213	451	8	,	,	PUNCT
fsr-3213	451	9	whitfield	whitfield	PROPN
fsr-3213	451	10	,	,	PUNCT
fsr-3213	451	11	g.	g.	PROPN
fsr-3213	451	12	,	,	PUNCT
fsr-3213	451	13	&	&	CCONJ
fsr-3213	451	14	cox	cox	PROPN
fsr-3213	451	15	,	,	PUNCT
fsr-3213	451	16	l.	l.	PROPN
fsr-3213	451	17	(	(	PUNCT
fsr-3213	451	18	2010	2010	NUM
fsr-3213	451	19	)	)	PUNCT
fsr-3213	451	20	.	.	PUNCT
fsr-3213	452	1	credit	credit	NOUN
fsr-3213	452	2	and	and	CCONJ
fsr-3213	452	3	debt	debt	NOUN
fsr-3213	452	4	in	in	ADP
fsr-3213	452	5	low	low	ADJ
fsr-3213	452	6	-	-	PUNCT
fsr-3213	452	7	income	income	NOUN
fsr-3213	452	8	families	family	NOUN
fsr-3213	452	9	.	.	PUNCT
fsr-3213	453	1	york	york	PROPN
fsr-3213	453	2	,	,	PUNCT
fsr-3213	453	3	uk	uk	PROPN
fsr-3213	453	4	:	:	PUNCT
fsr-3213	453	5	joseph	joseph	PROPN
fsr-3213	453	6	rowntree	rowntree	PROPN
fsr-3213	453	7	foundation	foundation	PROPN
fsr-3213	453	8	.	.	PUNCT
fsr-3213	454	1	dietz	dietz	PROPN
fsr-3213	454	2	,	,	PUNCT
fsr-3213	454	3	b.	b.	PROPN
fsr-3213	454	4	e.	e.	PROPN
fsr-3213	454	5	,	,	PUNCT
fsr-3213	454	6	carrozza	carrozza	PROPN
fsr-3213	454	7	,	,	PUNCT
fsr-3213	454	8	m.	m.	NOUN
fsr-3213	454	9	,	,	PUNCT
fsr-3213	454	10	&	&	CCONJ
fsr-3213	454	11	ritchey	ritchey	PROPN
fsr-3213	454	12	,	,	PUNCT
fsr-3213	454	13	p.	p.	PROPN
fsr-3213	454	14	n.	n.	PROPN
fsr-3213	454	15	(	(	PUNCT
fsr-3213	454	16	2003	2003	NUM
fsr-3213	454	17	)	)	PUNCT
fsr-3213	454	18	.	.	PUNCT
fsr-3213	455	1	does	do	AUX
fsr-3213	455	2	financial	financial	ADJ
fsr-3213	455	3	self	self	NOUN
fsr-3213	455	4	-	-	PUNCT
fsr-3213	455	5	efficacy	efficacy	NOUN
fsr-3213	455	6	explain	explain	VERB
fsr-3213	455	7	gender	gender	NOUN
fsr-3213	455	8	differences	difference	NOUN
fsr-3213	455	9	in	in	ADP
fsr-3213	455	10	retirement	retirement	NOUN
fsr-3213	455	11	saving	saving	NOUN
fsr-3213	455	12	strategies	strategy	NOUN
fsr-3213	455	13	?	?	PUNCT
fsr-3213	456	1	journal	journal	NOUN
fsr-3213	456	2	of	of	ADP
fsr-3213	456	3	women	woman	NOUN
fsr-3213	456	4	&	&	CCONJ
fsr-3213	456	5	aging	aging	NOUN
fsr-3213	456	6	,	,	PUNCT
fsr-3213	456	7	15	15	NUM
fsr-3213	456	8	,	,	PUNCT
fsr-3213	456	9	83–96	83–96	NUM
fsr-3213	456	10	.	.	PUNCT
fsr-3213	457	1	du	du	PROPN
fsr-3213	457	2	plessis	plessis	PROPN
fsr-3213	457	3	,	,	PUNCT
fsr-3213	457	4	k.	k.	PROPN
fsr-3213	457	5	,	,	PUNCT
fsr-3213	457	6	lawton	lawton	PROPN
fsr-3213	457	7	,	,	PUNCT
fsr-3213	457	8	j.	j.	PROPN
fsr-3213	457	9	,	,	PUNCT
fsr-3213	457	10	&	&	CCONJ
fsr-3213	457	11	corney	corney	PROPN
fsr-3213	457	12	,	,	PUNCT
fsr-3213	457	13	t.	t.	PROPN
fsr-3213	457	14	(	(	PUNCT
fsr-3213	457	15	2010	2010	NUM
fsr-3213	457	16	)	)	PUNCT
fsr-3213	457	17	.	.	PUNCT
fsr-3213	458	1	unemployed	unemployed	ADJ
fsr-3213	458	2	and	and	CCONJ
fsr-3213	458	3	struggling	struggle	VERB
fsr-3213	458	4	:	:	PUNCT
fsr-3213	458	5	the	the	DET
fsr-3213	458	6	lack	lack	NOUN
fsr-3213	458	7	of	of	ADP
fsr-3213	458	8	financial	financial	ADJ
fsr-3213	458	9	help	help	NOUN
fsr-3213	458	10	-	-	PUNCT
fsr-3213	458	11	seeking	seek	VERB
fsr-3213	458	12	behavior	behavior	NOUN
fsr-3213	458	13	exhibited	exhibit	VERB
fsr-3213	458	14	by	by	ADP
fsr-3213	458	15	male	male	ADJ
fsr-3213	458	16	construction	construction	NOUN
fsr-3213	458	17	workers	worker	NOUN
fsr-3213	458	18	.	.	PUNCT
fsr-3213	459	1	the	the	DET
fsr-3213	459	2	australian	australian	ADJ
fsr-3213	459	3	journal	journal	NOUN
fsr-3213	459	4	of	of	ADP
fsr-3213	459	5	financial	financial	ADJ
fsr-3213	459	6	planning	planning	NOUN
fsr-3213	459	7	,	,	PUNCT
fsr-3213	459	8	6	6	NUM
fsr-3213	459	9	,	,	PUNCT
fsr-3213	459	10	1–8	1–8	NUM
fsr-3213	459	11	.	.	PUNCT
fsr-3213	459	12	engelberg	engelberg	PROPN
fsr-3213	459	13	,	,	PUNCT
fsr-3213	459	14	e.	e.	PROPN
fsr-3213	459	15	(	(	PUNCT
fsr-3213	459	16	2007	2007	NUM
fsr-3213	459	17	)	)	PUNCT
fsr-3213	459	18	.	.	PUNCT
fsr-3213	460	1	the	the	DET
fsr-3213	460	2	perception	perception	NOUN
fsr-3213	460	3	of	of	ADP
fsr-3213	460	4	self	self	NOUN
fsr-3213	460	5	-	-	PUNCT
fsr-3213	460	6	efficacy	efficacy	NOUN
fsr-3213	460	7	in	in	ADP
fsr-3213	460	8	coping	cope	VERB
fsr-3213	460	9	with	with	ADP
fsr-3213	460	10	economic	economic	ADJ
fsr-3213	460	11	risks	risk	NOUN
fsr-3213	460	12	among	among	ADP
fsr-3213	460	13	young	young	ADJ
fsr-3213	460	14	adults	adult	NOUN
fsr-3213	460	15	:	:	PUNCT
fsr-3213	460	16	an	an	DET
fsr-3213	460	17	application	application	NOUN
fsr-3213	460	18	of	of	ADP
fsr-3213	460	19	psychological	psychological	ADJ
fsr-3213	460	20	theory	theory	NOUN
fsr-3213	460	21	and	and	CCONJ
fsr-3213	460	22	research	research	NOUN
fsr-3213	460	23	.	.	PUNCT
fsr-3213	461	1	international	international	ADJ
fsr-3213	461	2	journal	journal	PROPN
fsr-3213	461	3	of	of	ADP
fsr-3213	461	4	consumer	consumer	NOUN
fsr-3213	461	5	studies	study	NOUN
fsr-3213	461	6	,	,	PUNCT
fsr-3213	461	7	31	31	NUM
fsr-3213	461	8	,	,	PUNCT
fsr-3213	461	9	95–101	95–101	NUM
fsr-3213	461	10	.	.	PUNCT
fsr-3213	462	1	ennis	ennis	PROPN
fsr-3213	462	2	,	,	PUNCT
fsr-3213	462	3	n.	n.	PROPN
fsr-3213	462	4	e.	e.	PROPN
fsr-3213	462	5	,	,	PUNCT
fsr-3213	462	6	hobfoll	hobfoll	PROPN
fsr-3213	462	7	,	,	PUNCT
fsr-3213	462	8	s.	s.	PROPN
fsr-3213	462	9	e.	e.	PROPN
fsr-3213	462	10	,	,	PUNCT
fsr-3213	462	11	&	&	CCONJ
fsr-3213	462	12	schroeder	schroeder	PROPN
fsr-3213	462	13	,	,	PUNCT
fsr-3213	462	14	k.	k.	PROPN
fsr-3213	462	15	e.	e.	PROPN
fsr-3213	462	16	e.	e.	PROPN
fsr-3213	462	17	(	(	PUNCT
fsr-3213	462	18	2000	2000	NUM
fsr-3213	462	19	)	)	PUNCT
fsr-3213	462	20	.	.	PUNCT
fsr-3213	463	1	money	money	NOUN
fsr-3213	463	2	does	do	AUX
fsr-3213	463	3	n’t	not	PART
fsr-3213	463	4	talk	talk	VERB
fsr-3213	463	5	,	,	PUNCT
fsr-3213	463	6	it	it	PRON
fsr-3213	463	7	swears	swear	VERB
fsr-3213	463	8	:	:	PUNCT
fsr-3213	463	9	how	how	SCONJ
fsr-3213	463	10	economic	economic	ADJ
fsr-3213	463	11	stress	stress	NOUN
fsr-3213	463	12	and	and	CCONJ
fsr-3213	463	13	resistance	resistance	NOUN
fsr-3213	463	14	resources	resource	NOUN
fsr-3213	463	15	impact	impact	VERB
fsr-3213	463	16	inner	inner	ADJ
fsr-3213	463	17	-	-	PUNCT
fsr-3213	463	18	city	city	NOUN
fsr-3213	463	19	women	woman	NOUN
fsr-3213	463	20	’s	’s	PART
fsr-3213	463	21	depressive	depressive	ADJ
fsr-3213	463	22	mood	mood	NOUN
fsr-3213	463	23	.	.	PUNCT
fsr-3213	464	1	american	american	ADJ
fsr-3213	464	2	journal	journal	PROPN
fsr-3213	464	3	of	of	ADP
fsr-3213	464	4	community	community	NOUN
fsr-3213	464	5	psychology	psychology	NOUN
fsr-3213	464	6	,	,	PUNCT
fsr-3213	464	7	28	28	NUM
fsr-3213	464	8	,	,	PUNCT
fsr-3213	464	9	149–173	149–173	NUM
fsr-3213	464	10	.	.	PUNCT
fsr-3213	465	1	fernandes	fernandes	PROPN
fsr-3213	465	2	,	,	PUNCT
fsr-3213	465	3	d.	d.	PROPN
fsr-3213	465	4	,	,	PUNCT
fsr-3213	465	5	lynch	lynch	PROPN
fsr-3213	465	6	,	,	PUNCT
fsr-3213	465	7	j.	j.	PROPN
fsr-3213	465	8	g.	g.	PROPN
fsr-3213	465	9	,	,	PUNCT
fsr-3213	465	10	jr	jr	PROPN
fsr-3213	465	11	.	.	PROPN
fsr-3213	465	12	,	,	PUNCT
fsr-3213	465	13	&	&	CCONJ
fsr-3213	465	14	netemeyer	netemeyer	PROPN
fsr-3213	465	15	,	,	PUNCT
fsr-3213	465	16	r.	r.	PROPN
fsr-3213	465	17	g.	g.	PROPN
fsr-3213	465	18	(	(	PUNCT
fsr-3213	465	19	2014	2014	NUM
fsr-3213	465	20	)	)	PUNCT
fsr-3213	465	21	.	.	PUNCT
fsr-3213	466	1	financial	financial	ADJ
fsr-3213	466	2	literacy	literacy	NOUN
fsr-3213	466	3	,	,	PUNCT
fsr-3213	466	4	financial	financial	ADJ
fsr-3213	466	5	education	education	NOUN
fsr-3213	466	6	,	,	PUNCT
fsr-3213	466	7	and	and	CCONJ
fsr-3213	466	8	downstream	downstream	ADJ
fsr-3213	466	9	financial	financial	ADJ
fsr-3213	466	10	behaviors	behavior	NOUN
fsr-3213	466	11	.	.	PUNCT
fsr-3213	467	1	management	management	NOUN
fsr-3213	467	2	science	science	NOUN
fsr-3213	467	3	,	,	PUNCT
fsr-3213	467	4	60	60	NUM
fsr-3213	467	5	,	,	PUNCT
fsr-3213	467	6	1861–1883	1861–1883	NUM
fsr-3213	467	7	.	.	PUNCT
fsr-3213	468	1	financial	financial	ADJ
fsr-3213	468	2	planning	planning	NOUN
fsr-3213	468	3	standards	standard	NOUN
fsr-3213	468	4	council	council	PROPN
fsr-3213	468	5	.	.	PUNCT
fsr-3213	469	1	(	(	PUNCT
fsr-3213	469	2	2013	2013	NUM
fsr-3213	469	3	)	)	PUNCT
fsr-3213	469	4	the	the	DET
fsr-3213	469	5	value	value	NOUN
fsr-3213	469	6	of	of	ADP
fsr-3213	469	7	financial	financial	ADJ
fsr-3213	469	8	planning	planning	NOUN
fsr-3213	469	9	.	.	PUNCT
fsr-3213	470	1	(	(	PUNCT
fsr-3213	470	2	available	available	ADJ
fsr-3213	470	3	at	at	ADP
fsr-3213	470	4	http://www.fpsc.ca/	http://www.fpsc.ca/	NUM
fsr-3213	470	5	value	value	NOUN
fsr-3213	470	6	-	-	PUNCT
fsr-3213	470	7	financial	financial	ADJ
fsr-3213	470	8	-	-	PUNCT
fsr-3213	470	9	planning	planning	NOUN
fsr-3213	470	10	)	)	PUNCT
fsr-3213	470	11	.	.	PUNCT
fsr-3213	471	1	finke	finke	PROPN
fsr-3213	471	2	,	,	PUNCT
fsr-3213	471	3	m.	m.	NOUN
fsr-3213	471	4	s.	s.	PROPN
fsr-3213	471	5	,	,	PUNCT
fsr-3213	471	6	huston	huston	PROPN
fsr-3213	471	7	,	,	PUNCT
fsr-3213	471	8	s.	s.	PROPN
fsr-3213	471	9	j.	j.	PROPN
fsr-3213	471	10	,	,	PUNCT
fsr-3213	471	11	&	&	CCONJ
fsr-3213	471	12	winchester	winchester	PROPN
fsr-3213	471	13	,	,	PUNCT
fsr-3213	471	14	d.	d.	PROPN
fsr-3213	471	15	d.	d.	PROPN
fsr-3213	471	16	(	(	PUNCT
fsr-3213	471	17	2011	2011	NUM
fsr-3213	471	18	)	)	PUNCT
fsr-3213	471	19	.	.	PUNCT
fsr-3213	472	1	financial	financial	ADJ
fsr-3213	472	2	advice	advice	NOUN
fsr-3213	472	3	:	:	PUNCT
fsr-3213	472	4	who	who	PRON
fsr-3213	472	5	pays	pay	VERB
fsr-3213	472	6	.	.	PUNCT
fsr-3213	473	1	journal	journal	PROPN
fsr-3213	473	2	of	of	ADP
fsr-3213	473	3	financial	financial	ADJ
fsr-3213	473	4	counseling	counseling	NOUN
fsr-3213	473	5	and	and	CCONJ
fsr-3213	473	6	planning	planning	NOUN
fsr-3213	473	7	,	,	PUNCT
fsr-3213	473	8	22	22	NUM
fsr-3213	473	9	,	,	PUNCT
fsr-3213	473	10	18–26	18–26	NUM
fsr-3213	473	11	.	.	PUNCT
fsr-3213	474	1	folkman	folkman	PROPN
fsr-3213	474	2	,	,	PUNCT
fsr-3213	474	3	s.	s.	PROPN
fsr-3213	474	4	,	,	PUNCT
fsr-3213	474	5	scheaefer	scheaefer	NOUN
fsr-3213	474	6	,	,	PUNCT
fsr-3213	474	7	c.	c.	PROPN
fsr-3213	474	8	,	,	PUNCT
fsr-3213	474	9	&	&	CCONJ
fsr-3213	474	10	lazarus	lazarus	PROPN
fsr-3213	474	11	,	,	PUNCT
fsr-3213	474	12	r.	r.	PROPN
fsr-3213	474	13	s.	s.	PROPN
fsr-3213	474	14	(	(	PUNCT
fsr-3213	474	15	1979	1979	NUM
fsr-3213	474	16	)	)	PUNCT
fsr-3213	474	17	.	.	PUNCT
fsr-3213	475	1	cognitive	cognitive	ADJ
fsr-3213	475	2	processes	process	NOUN
fsr-3213	475	3	as	as	ADP
fsr-3213	475	4	mediators	mediator	NOUN
fsr-3213	475	5	of	of	ADP
fsr-3213	475	6	stress	stress	NOUN
fsr-3213	475	7	and	and	CCONJ
fsr-3213	475	8	coping	cope	VERB
fsr-3213	475	9	.	.	PUNCT
fsr-3213	476	1	in	in	ADP
fsr-3213	476	2	v.	v.	PROPN
fsr-3213	476	3	hamilton	hamilton	PROPN
fsr-3213	476	4	&	&	CCONJ
fsr-3213	476	5	d.	d.	PROPN
fsr-3213	476	6	m.	m.	PROPN
fsr-3213	476	7	warburton	warburton	PROPN
fsr-3213	476	8	(	(	PUNCT
fsr-3213	476	9	eds	eds	PROPN
fsr-3213	476	10	.	.	PUNCT
fsr-3213	476	11	)	)	PUNCT
fsr-3213	476	12	,	,	PUNCT
fsr-3213	476	13	human	human	ADJ
fsr-3213	476	14	stress	stress	NOUN
fsr-3213	476	15	and	and	CCONJ
fsr-3213	476	16	cognition	cognition	NOUN
fsr-3213	476	17	:	:	PUNCT
fsr-3213	476	18	an	an	DET
fsr-3213	476	19	information	information	NOUN
fsr-3213	476	20	-	-	PUNCT
fsr-3213	476	21	processing	processing	NOUN
fsr-3213	476	22	approach	approach	NOUN
fsr-3213	476	23	.	.	PUNCT
fsr-3213	477	1	london	london	PROPN
fsr-3213	477	2	,	,	PUNCT
fsr-3213	477	3	uk	uk	PROPN
fsr-3213	477	4	:	:	PUNCT
fsr-3213	477	5	wiley	wiley	PROPN
fsr-3213	477	6	.	.	PUNCT
fsr-3213	478	1	fosnacht	fosnacht	PROPN
fsr-3213	478	2	,	,	PUNCT
fsr-3213	478	3	k.	k.	PROPN
fsr-3213	478	4	,	,	PUNCT
fsr-3213	478	5	sarraf	sarraf	PROPN
fsr-3213	478	6	,	,	PUNCT
fsr-3213	478	7	s.	s.	PROPN
fsr-3213	478	8	,	,	PUNCT
fsr-3213	478	9	howe	howe	PROPN
fsr-3213	478	10	,	,	PUNCT
fsr-3213	478	11	e.	e.	PROPN
fsr-3213	478	12	,	,	PUNCT
fsr-3213	478	13	&	&	CCONJ
fsr-3213	478	14	peck	peck	PROPN
fsr-3213	478	15	,	,	PUNCT
fsr-3213	478	16	l.	l.	PROPN
fsr-3213	478	17	(	(	PUNCT
fsr-3213	478	18	2013	2013	NUM
fsr-3213	478	19	)	)	PUNCT
fsr-3213	478	20	.	.	PUNCT
fsr-3213	479	1	how	how	SCONJ
fsr-3213	479	2	important	important	ADJ
fsr-3213	479	3	are	be	AUX
fsr-3213	479	4	high	high	ADJ
fsr-3213	479	5	response	response	NOUN
fsr-3213	479	6	rates	rate	NOUN
fsr-3213	479	7	.	.	PUNCT
fsr-3213	480	1	paper	paper	NOUN
fsr-3213	480	2	presented	present	VERB
fsr-3213	480	3	at	at	ADP
fsr-3213	480	4	the	the	DET
fsr-3213	480	5	annual	annual	ADJ
fsr-3213	480	6	meeting	meeting	NOUN
fsr-3213	480	7	of	of	ADP
fsr-3213	480	8	the	the	DET
fsr-3213	480	9	association	association	NOUN
fsr-3213	480	10	for	for	ADP
fsr-3213	480	11	institutional	institutional	ADJ
fsr-3213	480	12	research	research	NOUN
fsr-3213	480	13	,	,	PUNCT
fsr-3213	480	14	long	long	ADJ
fsr-3213	480	15	beach	beach	NOUN
fsr-3213	480	16	,	,	PUNCT
fsr-3213	480	17	ca	ca	NOUN
fsr-3213	480	18	.	.	PUNCT
fsr-3213	480	19	gecas	gecas	PROPN
fsr-3213	480	20	,	,	PUNCT
fsr-3213	480	21	v.	v.	PROPN
fsr-3213	480	22	(	(	PUNCT
fsr-3213	480	23	1989	1989	NUM
fsr-3213	480	24	)	)	PUNCT
fsr-3213	480	25	.	.	PUNCT
fsr-3213	481	1	the	the	DET
fsr-3213	481	2	social	social	ADJ
fsr-3213	481	3	psychology	psychology	NOUN
fsr-3213	481	4	of	of	ADP
fsr-3213	481	5	self	self	NOUN
fsr-3213	481	6	-	-	PUNCT
fsr-3213	481	7	efficacy	efficacy	NOUN
fsr-3213	481	8	.	.	PUNCT
fsr-3213	482	1	annual	annual	ADJ
fsr-3213	482	2	review	review	NOUN
fsr-3213	482	3	of	of	ADP
fsr-3213	482	4	sociology	sociology	NOUN
fsr-3213	482	5	,	,	PUNCT
fsr-3213	482	6	15	15	NUM
fsr-3213	482	7	,	,	PUNCT
fsr-3213	482	8	291–316	291–316	NUM
fsr-3213	482	9	.	.	PUNCT
fsr-3213	482	10	grable	grable	PROPN
fsr-3213	482	11	,	,	PUNCT
fsr-3213	482	12	j.	j.	PROPN
fsr-3213	482	13	e.	e.	PROPN
fsr-3213	482	14	,	,	PUNCT
fsr-3213	482	15	&	&	CCONJ
fsr-3213	482	16	joo	joo	PROPN
fsr-3213	482	17	,	,	PUNCT
fsr-3213	482	18	s.	s.	PROPN
fsr-3213	482	19	(	(	PUNCT
fsr-3213	482	20	1999	1999	NUM
fsr-3213	482	21	)	)	PUNCT
fsr-3213	482	22	.	.	PUNCT
fsr-3213	483	1	financial	financial	ADJ
fsr-3213	483	2	help	help	NOUN
fsr-3213	483	3	-	-	PUNCT
fsr-3213	483	4	seeking	seek	VERB
fsr-3213	483	5	behavior	behavior	NOUN
fsr-3213	483	6	:	:	PUNCT
fsr-3213	483	7	theory	theory	NOUN
fsr-3213	483	8	and	and	CCONJ
fsr-3213	483	9	implications	implication	NOUN
fsr-3213	483	10	.	.	PUNCT
fsr-3213	484	1	financial	financial	ADJ
fsr-3213	484	2	counseling	counseling	NOUN
fsr-3213	484	3	and	and	CCONJ
fsr-3213	484	4	planning	planning	NOUN
fsr-3213	484	5	,	,	PUNCT
fsr-3213	484	6	10	10	NUM
fsr-3213	484	7	,	,	PUNCT
fsr-3213	484	8	14–25	14–25	NUM
fsr-3213	484	9	.	.	PUNCT
fsr-3213	484	10	grable	grable	PROPN
fsr-3213	484	11	,	,	PUNCT
fsr-3213	484	12	j.	j.	PROPN
fsr-3213	484	13	e.	e.	PROPN
fsr-3213	484	14	,	,	PUNCT
fsr-3213	484	15	&	&	CCONJ
fsr-3213	484	16	joo	joo	PROPN
fsr-3213	484	17	,	,	PUNCT
fsr-3213	484	18	s.	s.	PROPN
fsr-3213	484	19	(	(	PUNCT
fsr-3213	484	20	2001	2001	NUM
fsr-3213	484	21	)	)	PUNCT
fsr-3213	484	22	.	.	PUNCT
fsr-3213	485	1	a	a	DET
fsr-3213	485	2	further	further	ADJ
fsr-3213	485	3	examination	examination	NOUN
fsr-3213	485	4	of	of	ADP
fsr-3213	485	5	financial	financial	ADJ
fsr-3213	485	6	help	help	NOUN
fsr-3213	485	7	-	-	PUNCT
fsr-3213	485	8	seeking	seek	VERB
fsr-3213	485	9	behavior	behavior	NOUN
fsr-3213	485	10	.	.	PUNCT
fsr-3213	486	1	journal	journal	PROPN
fsr-3213	486	2	of	of	ADP
fsr-3213	486	3	financial	financial	ADJ
fsr-3213	486	4	counseling	counseling	NOUN
fsr-3213	486	5	and	and	CCONJ
fsr-3213	486	6	planning	planning	NOUN
fsr-3213	486	7	,	,	PUNCT
fsr-3213	486	8	12	12	NUM
fsr-3213	486	9	,	,	PUNCT
fsr-3213	486	10	55–65	55–65	NUM
fsr-3213	486	11	.	.	PUNCT
fsr-3213	487	1	grembowski	grembowski	PROPN
fsr-3213	487	2	,	,	PUNCT
fsr-3213	487	3	d.	d.	PROPN
fsr-3213	487	4	,	,	PUNCT
fsr-3213	487	5	patrick	patrick	PROPN
fsr-3213	487	6	,	,	PUNCT
fsr-3213	487	7	d.	d.	PROPN
fsr-3213	487	8	,	,	PUNCT
fsr-3213	487	9	diehr	diehr	NOUN
fsr-3213	487	10	,	,	PUNCT
fsr-3213	487	11	p.	p.	NOUN
fsr-3213	487	12	,	,	PUNCT
fsr-3213	487	13	durham	durham	PROPN
fsr-3213	487	14	,	,	PUNCT
fsr-3213	487	15	m.	m.	NOUN
fsr-3213	487	16	,	,	PUNCT
fsr-3213	487	17	beresford	beresford	PROPN
fsr-3213	487	18	,	,	PUNCT
fsr-3213	487	19	s.	s.	PROPN
fsr-3213	487	20	,	,	PUNCT
fsr-3213	487	21	kay	kay	PROPN
fsr-3213	487	22	,	,	PUNCT
fsr-3213	487	23	e.	e.	PROPN
fsr-3213	487	24	,	,	PUNCT
fsr-3213	487	25	&	&	CCONJ
fsr-3213	487	26	hecht	hecht	PROPN
fsr-3213	487	27	,	,	PUNCT
fsr-3213	487	28	j.	j.	PROPN
fsr-3213	487	29	(	(	PUNCT
fsr-3213	487	30	1993	1993	NUM
fsr-3213	487	31	)	)	PUNCT
fsr-3213	487	32	.	.	PUNCT
fsr-3213	488	1	self	self	NOUN
fsr-3213	488	2	-	-	PUNCT
fsr-3213	488	3	efficacy	efficacy	NOUN
fsr-3213	488	4	and	and	CCONJ
fsr-3213	488	5	health	health	NOUN
fsr-3213	488	6	behavior	behavior	NOUN
fsr-3213	488	7	among	among	ADP
fsr-3213	488	8	older	old	ADJ
fsr-3213	488	9	adults	adult	NOUN
fsr-3213	488	10	.	.	PUNCT
fsr-3213	489	1	journal	journal	PROPN
fsr-3213	489	2	of	of	ADP
fsr-3213	489	3	health	health	PROPN
fsr-3213	489	4	and	and	CCONJ
fsr-3213	489	5	social	social	ADJ
fsr-3213	489	6	behavior	behavior	NOUN
fsr-3213	489	7	,	,	PUNCT
fsr-3213	489	8	34	34	NUM
fsr-3213	489	9	,	,	PUNCT
fsr-3213	489	10	89–104	89–104	PROPN
fsr-3213	489	11	.	.	PUNCT
fsr-3213	489	12	hanna	hanna	PROPN
fsr-3213	489	13	,	,	PUNCT
fsr-3213	489	14	s.	s.	PROPN
fsr-3213	489	15	d.	d.	PROPN
fsr-3213	489	16	(	(	PUNCT
fsr-3213	489	17	2011	2011	NUM
fsr-3213	489	18	)	)	PUNCT
fsr-3213	489	19	.	.	PUNCT
fsr-3213	490	1	the	the	DET
fsr-3213	490	2	demand	demand	NOUN
fsr-3213	490	3	for	for	ADP
fsr-3213	490	4	financial	financial	ADJ
fsr-3213	490	5	planning	planning	NOUN
fsr-3213	490	6	services	service	NOUN
fsr-3213	490	7	.	.	PUNCT
fsr-3213	491	1	journal	journal	NOUN
fsr-3213	491	2	of	of	ADP
fsr-3213	491	3	personal	personal	ADJ
fsr-3213	491	4	finance	finance	NOUN
fsr-3213	491	5	,	,	PUNCT
fsr-3213	491	6	10	10	NUM
fsr-3213	491	7	,	,	PUNCT
fsr-3213	491	8	36–62	36–62	NUM
fsr-3213	491	9	.	.	PUNCT
fsr-3213	492	1	hanna	hanna	PROPN
fsr-3213	492	2	,	,	PUNCT
fsr-3213	492	3	s.	s.	PROPN
fsr-3213	492	4	d.	d.	PROPN
fsr-3213	492	5	,	,	PUNCT
fsr-3213	492	6	&	&	CCONJ
fsr-3213	492	7	lindamood	lindamood	PROPN
fsr-3213	492	8	,	,	PUNCT
fsr-3213	492	9	s.	s.	PROPN
fsr-3213	492	10	(	(	PUNCT
fsr-3213	492	11	2010	2010	NUM
fsr-3213	492	12	)	)	PUNCT
fsr-3213	492	13	.	.	PUNCT
fsr-3213	493	1	quantifying	quantify	VERB
fsr-3213	493	2	the	the	DET
fsr-3213	493	3	economic	economic	ADJ
fsr-3213	493	4	benefits	benefit	NOUN
fsr-3213	493	5	of	of	ADP
fsr-3213	493	6	personal	personal	ADJ
fsr-3213	493	7	financial	financial	ADJ
fsr-3213	493	8	planning	planning	NOUN
fsr-3213	493	9	.	.	PUNCT
fsr-3213	494	1	financial	financial	ADJ
fsr-3213	494	2	services	service	NOUN
fsr-3213	494	3	review	review	PROPN
fsr-3213	494	4	,	,	PUNCT
fsr-3213	494	5	19	19	NUM
fsr-3213	494	6	,	,	PUNCT
fsr-3213	494	7	111–127	111–127	NUM
fsr-3213	494	8	.	.	PUNCT
fsr-3213	495	1	jerusalem	jerusalem	PROPN
fsr-3213	495	2	,	,	PUNCT
fsr-3213	495	3	m.	m.	NOUN
fsr-3213	495	4	,	,	PUNCT
fsr-3213	495	5	&	&	CCONJ
fsr-3213	495	6	schwarzer	schwarzer	PROPN
fsr-3213	495	7	,	,	PUNCT
fsr-3213	495	8	r.	r.	PROPN
fsr-3213	495	9	(	(	PUNCT
fsr-3213	495	10	1992	1992	NUM
fsr-3213	495	11	)	)	PUNCT
fsr-3213	495	12	.	.	PUNCT
fsr-3213	496	1	self	self	NOUN
fsr-3213	496	2	-	-	PUNCT
fsr-3213	496	3	efficacy	efficacy	NOUN
fsr-3213	496	4	as	as	ADP
fsr-3213	496	5	a	a	DET
fsr-3213	496	6	resource	resource	NOUN
fsr-3213	496	7	factor	factor	NOUN
fsr-3213	496	8	in	in	ADP
fsr-3213	496	9	stress	stress	NOUN
fsr-3213	496	10	appraisal	appraisal	NOUN
fsr-3213	496	11	processes	process	NOUN
fsr-3213	496	12	.	.	PUNCT
fsr-3213	497	1	in	in	ADP
fsr-3213	497	2	r.	r.	PROPN
fsr-3213	497	3	schwarzer	schwarzer	PROPN
fsr-3213	497	4	(	(	PUNCT
fsr-3213	497	5	ed	ed	NOUN
fsr-3213	497	6	.	.	PUNCT
fsr-3213	497	7	)	)	PUNCT
fsr-3213	497	8	,	,	PUNCT
fsr-3213	497	9	self	self	NOUN
fsr-3213	497	10	-	-	PUNCT
fsr-3213	497	11	efficacy	efficacy	NOUN
fsr-3213	497	12	:	:	PUNCT
fsr-3213	497	13	thought	think	VERB
fsr-3213	497	14	control	control	NOUN
fsr-3213	497	15	of	of	ADP
fsr-3213	497	16	action	action	NOUN
fsr-3213	497	17	(	(	PUNCT
fsr-3213	497	18	pp	pp	ADJ
fsr-3213	497	19	.	.	PUNCT
fsr-3213	498	1	195–213	195–213	NUM
fsr-3213	498	2	)	)	PUNCT
fsr-3213	498	3	.	.	PUNCT
fsr-3213	499	1	washington	washington	PROPN
fsr-3213	499	2	,	,	PUNCT
fsr-3213	499	3	d.c	d.c	PROPN
fsr-3213	499	4	.	.	PUNCT
fsr-3213	499	5	:	:	PUNCT
fsr-3213	500	1	hemisphere	hemisphere	ADV
fsr-3213	500	2	.	.	PUNCT
fsr-3213	501	1	124	124	NUM
fsr-3213	501	2	j.	j.	PROPN
fsr-3213	501	3	letkiewicz	letkiewicz	PROPN
fsr-3213	501	4	et	et	PROPN
fsr-3213	501	5	al	al	PROPN
fsr-3213	501	6	.	.	PUNCT
fsr-3213	501	7	/	/	SYM
fsr-3213	501	8	financial	financial	ADJ
fsr-3213	501	9	services	service	NOUN
fsr-3213	501	10	review	review	VERB
fsr-3213	501	11	25	25	NUM
fsr-3213	501	12	(	(	PUNCT
fsr-3213	501	13	2016	2016	NUM
fsr-3213	501	14	)	)	PUNCT
fsr-3213	501	15	105–126	105–126	PROPN
fsr-3213	501	16	joo	joo	PROPN
fsr-3213	501	17	,	,	PUNCT
fsr-3213	501	18	s.	s.	PROPN
fsr-3213	501	19	(	(	PUNCT
fsr-3213	501	20	1998	1998	NUM
fsr-3213	501	21	)	)	PUNCT
fsr-3213	501	22	.	.	PUNCT
fsr-3213	502	1	personal	personal	ADJ
fsr-3213	502	2	financial	financial	PROPN
fsr-3213	502	3	wellness	wellness	NOUN
fsr-3213	502	4	and	and	CCONJ
fsr-3213	502	5	worker	worker	NOUN
fsr-3213	502	6	job	job	NOUN
fsr-3213	502	7	productivity	productivity	NOUN
fsr-3213	502	8	(	(	PUNCT
fsr-3213	502	9	order	order	NOUN
fsr-3213	502	10	no	no	NOUN
fsr-3213	502	11	.	.	NOUN
fsr-3213	502	12	9949872	9949872	NUM
fsr-3213	502	13	)	)	PUNCT
fsr-3213	502	14	.	.	PUNCT
fsr-3213	503	1	proquest	proquest	PROPN
fsr-3213	503	2	dissertations	dissertations	PROPN
fsr-3213	503	3	&	&	CCONJ
fsr-3213	503	4	theses	theses	PROPN
fsr-3213	503	5	global	global	PROPN
fsr-3213	503	6	.	.	PUNCT
fsr-3213	504	1	(	(	PUNCT
fsr-3213	504	2	304467171	304467171	NUM
fsr-3213	504	3	)	)	PUNCT
fsr-3213	504	4	.	.	PUNCT
fsr-3213	505	1	(	(	PUNCT
fsr-3213	505	2	retrieved	retrieve	VERB
fsr-3213	505	3	from	from	ADP
fsr-3213	505	4	http://ezproxy.library.yorku.ca/login?url�http://	http://ezproxy.library.yorku.ca/login?url�http://	NUM
fsr-3213	505	5	search.proquest.com/docview/304467171?accountid�15182	search.proquest.com/docview/304467171?accountid�15182	NOUN
fsr-3213	505	6	)	)	PUNCT
fsr-3213	505	7	.	.	PUNCT
fsr-3213	506	1	kim	kim	PROPN
fsr-3213	506	2	,	,	PUNCT
fsr-3213	506	3	j.	j.	PROPN
fsr-3213	506	4	,	,	PUNCT
fsr-3213	506	5	&	&	CCONJ
fsr-3213	506	6	garman	garman	PROPN
fsr-3213	506	7	,	,	PUNCT
fsr-3213	506	8	e.	e.	PROPN
fsr-3213	506	9	t.	t.	PROPN
fsr-3213	506	10	(	(	PUNCT
fsr-3213	506	11	2003	2003	NUM
fsr-3213	506	12	)	)	PUNCT
fsr-3213	506	13	.	.	PUNCT
fsr-3213	507	1	financial	financial	ADJ
fsr-3213	507	2	stress	stress	NOUN
fsr-3213	507	3	and	and	CCONJ
fsr-3213	507	4	absenteeism	absenteeism	NOUN
fsr-3213	507	5	:	:	PUNCT
fsr-3213	507	6	an	an	DET
fsr-3213	507	7	empirically	empirically	ADV
fsr-3213	507	8	derived	derive	VERB
fsr-3213	507	9	model	model	NOUN
fsr-3213	507	10	.	.	PUNCT
fsr-3213	508	1	journal	journal	PROPN
fsr-3213	508	2	of	of	ADP
fsr-3213	508	3	financial	financial	ADJ
fsr-3213	508	4	counseling	counseling	NOUN
fsr-3213	508	5	and	and	CCONJ
fsr-3213	508	6	planning	planning	NOUN
fsr-3213	508	7	,	,	PUNCT
fsr-3213	508	8	14	14	NUM
fsr-3213	508	9	,	,	PUNCT
fsr-3213	508	10	31–42	31–42	NUM
fsr-3213	508	11	.	.	PUNCT
fsr-3213	509	1	kinniry	kinniry	PROPN
fsr-3213	509	2	,	,	PUNCT
fsr-3213	509	3	f.	f.	PROPN
fsr-3213	509	4	,	,	PUNCT
fsr-3213	509	5	jaconetti	jaconetti	PROPN
fsr-3213	509	6	,	,	PUNCT
fsr-3213	509	7	c.	c.	NOUN
fsr-3213	509	8	,	,	PUNCT
fsr-3213	509	9	dijoseph	dijoseph	NOUN
fsr-3213	509	10	,	,	PUNCT
fsr-3213	509	11	m.	m.	NOUN
fsr-3213	509	12	,	,	PUNCT
fsr-3213	509	13	&	&	CCONJ
fsr-3213	509	14	zilbering	zilbering	PROPN
fsr-3213	509	15	,	,	PUNCT
fsr-3213	509	16	y.	y.	PROPN
fsr-3213	509	17	(	(	PUNCT
fsr-3213	509	18	2014	2014	NUM
fsr-3213	509	19	)	)	PUNCT
fsr-3213	509	20	.	.	PUNCT
fsr-3213	510	1	putting	put	VERB
fsr-3213	510	2	a	a	DET
fsr-3213	510	3	value	value	NOUN
fsr-3213	510	4	on	on	ADP
fsr-3213	510	5	your	your	PRON
fsr-3213	510	6	value	value	NOUN
fsr-3213	510	7	:	:	PUNCT
fsr-3213	510	8	quantifying	quantify	VERB
fsr-3213	510	9	vanguard	vanguard	PROPN
fsr-3213	510	10	advisor	advisor	PROPN
fsr-3213	510	11	’s	’s	PART
fsr-3213	510	12	alpha	alpha	NOUN
fsr-3213	510	13	.	.	PUNCT
fsr-3213	511	1	(	(	PUNCT
fsr-3213	511	2	available	available	ADJ
fsr-3213	511	3	at	at	ADP
fsr-3213	511	4	http://www.vanguard.com/pdf/isgqvaa.pdf	http://www.vanguard.com/pdf/isgqvaa.pdf	NOUN
fsr-3213	511	5	)	)	PUNCT
fsr-3213	511	6	.	.	PUNCT
fsr-3213	512	1	krause	krause	NOUN
fsr-3213	512	2	,	,	PUNCT
fsr-3213	512	3	n.	n.	PROPN
fsr-3213	512	4	&	&	CCONJ
fsr-3213	512	5	baker	baker	PROPN
fsr-3213	512	6	,	,	PUNCT
fsr-3213	512	7	e.	e.	PROPN
fsr-3213	512	8	(	(	PUNCT
fsr-3213	512	9	1992	1992	NUM
fsr-3213	512	10	)	)	PUNCT
fsr-3213	512	11	.	.	PUNCT
fsr-3213	513	1	financial	financial	ADJ
fsr-3213	513	2	strain	strain	NOUN
fsr-3213	513	3	,	,	PUNCT
fsr-3213	513	4	economic	economic	ADJ
fsr-3213	513	5	values	value	NOUN
fsr-3213	513	6	,	,	PUNCT
fsr-3213	513	7	and	and	CCONJ
fsr-3213	513	8	somatic	somatic	ADJ
fsr-3213	513	9	symptoms	symptom	NOUN
fsr-3213	513	10	in	in	ADP
fsr-3213	513	11	later	later	ADJ
fsr-3213	513	12	life	life	NOUN
fsr-3213	513	13	.	.	PUNCT
fsr-3213	514	1	psychology	psychology	NOUN
fsr-3213	514	2	and	and	CCONJ
fsr-3213	514	3	aging	aging	NOUN
fsr-3213	514	4	,	,	PUNCT
fsr-3213	514	5	7	7	NUM
fsr-3213	514	6	,	,	PUNCT
fsr-3213	514	7	4–14	4–14	PROPN
fsr-3213	514	8	.	.	PUNCT
fsr-3213	515	1	lapp	lapp	PROPN
fsr-3213	515	2	,	,	PUNCT
fsr-3213	515	3	w.	w.	PROPN
fsr-3213	515	4	m.	m.	NOUN
fsr-3213	515	5	(	(	PUNCT
fsr-3213	515	6	2010	2010	NUM
fsr-3213	515	7	)	)	PUNCT
fsr-3213	515	8	.	.	PUNCT
fsr-3213	516	1	behavior	behavior	NOUN
fsr-3213	516	2	models	model	NOUN
fsr-3213	516	3	for	for	ADP
fsr-3213	516	4	prosperity	prosperity	NOUN
fsr-3213	516	5	:	:	PUNCT
fsr-3213	516	6	a	a	DET
fsr-3213	516	7	statistical	statistical	ADJ
fsr-3213	516	8	assessment	assessment	NOUN
fsr-3213	516	9	of	of	ADP
fsr-3213	516	10	savings	saving	NOUN
fsr-3213	516	11	and	and	CCONJ
fsr-3213	516	12	behavioral	behavioral	ADJ
fsr-3213	516	13	change	change	NOUN
fsr-3213	516	14	.	.	PUNCT
fsr-3213	517	1	earn	earn	VERB
fsr-3213	517	2	research	research	NOUN
fsr-3213	517	3	brief	brief	NOUN
fsr-3213	517	4	.	.	PUNCT
fsr-3213	518	1	earned	earn	VERB
fsr-3213	518	2	assets	asset	NOUN
fsr-3213	518	3	resource	resource	NOUN
fsr-3213	518	4	network	network	NOUN
fsr-3213	518	5	[	[	X
fsr-3213	518	6	online	online	X
fsr-3213	518	7	]	]	X
fsr-3213	518	8	.	.	PUNCT
fsr-3213	519	1	(	(	PUNCT
fsr-3213	519	2	available	available	ADJ
fsr-3213	519	3	at	at	ADP
fsr-3213	519	4	https://www.earn	https://www.earn	PROPN
fsr-3213	519	5	.	.	PUNCT
fsr-3213	519	6	org	org	PROPN
fsr-3213	519	7	/	/	SYM
fsr-3213	519	8	wp	wp	PROPN
fsr-3213	519	9	-	-	PUNCT
fsr-3213	519	10	content	content	NOUN
fsr-3213	519	11	/	/	SYM
fsr-3213	519	12	uploads/2015/03/5_-_behavioral_models_for_prosperity-_a_statistical_assessment_of_savings	uploads/2015/03/5_-_behavioral_models_for_prosperity-_a_statistical_assessment_of_saving	NOUN
fsr-3213	519	13	_	_	PUNCT
fsr-3213	519	14	and_behavioral_change-1.pdf	and_behavioral_change-1.pdf	VERB
fsr-3213	519	15	)	)	PUNCT
fsr-3213	519	16	.	.	PUNCT
fsr-3213	520	1	lazarus	lazarus	PROPN
fsr-3213	520	2	,	,	PUNCT
fsr-3213	520	3	r.	r.	PROPN
fsr-3213	520	4	s.	s.	PROPN
fsr-3213	520	5	(	(	PUNCT
fsr-3213	520	6	1991	1991	NUM
fsr-3213	520	7	)	)	PUNCT
fsr-3213	520	8	.	.	PUNCT
fsr-3213	521	1	emotion	emotion	NOUN
fsr-3213	521	2	and	and	CCONJ
fsr-3213	521	3	adaptation	adaptation	NOUN
fsr-3213	521	4	.	.	PUNCT
fsr-3213	522	1	london	london	PROPN
fsr-3213	522	2	:	:	PUNCT
fsr-3213	522	3	oxford	oxford	PROPN
fsr-3213	522	4	university	university	PROPN
fsr-3213	522	5	press	press	NOUN
fsr-3213	522	6	.	.	PUNCT
fsr-3213	523	1	lazarus	lazarus	PROPN
fsr-3213	523	2	,	,	PUNCT
fsr-3213	523	3	r.	r.	PROPN
fsr-3213	523	4	s.	s.	PROPN
fsr-3213	523	5	,	,	PUNCT
fsr-3213	523	6	&	&	CCONJ
fsr-3213	523	7	folkman	folkman	PROPN
fsr-3213	523	8	,	,	PUNCT
fsr-3213	523	9	s.	s.	PROPN
fsr-3213	523	10	(	(	PUNCT
fsr-3213	523	11	1984	1984	NUM
fsr-3213	523	12	)	)	PUNCT
fsr-3213	523	13	.	.	PUNCT
fsr-3213	524	1	stress	stress	NOUN
fsr-3213	524	2	,	,	PUNCT
fsr-3213	524	3	appraisal	appraisal	NOUN
fsr-3213	524	4	,	,	PUNCT
fsr-3213	524	5	and	and	CCONJ
fsr-3213	524	6	coping	cope	VERB
fsr-3213	524	7	.	.	PUNCT
fsr-3213	525	1	new	new	PROPN
fsr-3213	525	2	york	york	PROPN
fsr-3213	525	3	,	,	PUNCT
fsr-3213	525	4	ny	ny	PROPN
fsr-3213	525	5	:	:	PUNCT
fsr-3213	525	6	springer	springer	NOUN
fsr-3213	525	7	.	.	PUNCT
fsr-3213	526	1	lent	lent	PROPN
fsr-3213	526	2	,	,	PUNCT
fsr-3213	526	3	r.	r.	PROPN
fsr-3213	526	4	w.	w.	PROPN
fsr-3213	526	5	,	,	PUNCT
fsr-3213	526	6	brown	brown	PROPN
fsr-3213	526	7	,	,	PUNCT
fsr-3213	526	8	s.	s.	PROPN
fsr-3213	526	9	d.	d.	PROPN
fsr-3213	526	10	,	,	PUNCT
fsr-3213	526	11	&	&	CCONJ
fsr-3213	526	12	larkin	larkin	PROPN
fsr-3213	526	13	,	,	PUNCT
fsr-3213	526	14	k.	k.	PROPN
fsr-3213	526	15	c.	c.	PROPN
fsr-3213	526	16	(	(	PUNCT
fsr-3213	526	17	1986	1986	NUM
fsr-3213	526	18	)	)	PUNCT
fsr-3213	526	19	.	.	PUNCT
fsr-3213	527	1	self	self	NOUN
fsr-3213	527	2	-	-	PUNCT
fsr-3213	527	3	efficacy	efficacy	NOUN
fsr-3213	527	4	in	in	ADP
fsr-3213	527	5	the	the	DET
fsr-3213	527	6	prediction	prediction	NOUN
fsr-3213	527	7	of	of	ADP
fsr-3213	527	8	academic	academic	ADJ
fsr-3213	527	9	performance	performance	NOUN
fsr-3213	527	10	and	and	CCONJ
fsr-3213	527	11	perceived	perceive	VERB
fsr-3213	527	12	career	career	NOUN
fsr-3213	527	13	options	option	NOUN
fsr-3213	527	14	.	.	PUNCT
fsr-3213	528	1	journal	journal	NOUN
fsr-3213	528	2	of	of	ADP
fsr-3213	528	3	counseling	counsel	VERB
fsr-3213	528	4	psychology	psychology	NOUN
fsr-3213	528	5	,	,	PUNCT
fsr-3213	528	6	33	33	NUM
fsr-3213	528	7	,	,	PUNCT
fsr-3213	528	8	265–269	265–269	NUM
fsr-3213	528	9	.	.	PUNCT
fsr-3213	529	1	lim	lim	PROPN
fsr-3213	529	2	,	,	PUNCT
fsr-3213	529	3	h.	h.	PROPN
fsr-3213	529	4	,	,	PUNCT
fsr-3213	529	5	heckman	heckman	PROPN
fsr-3213	529	6	,	,	PUNCT
fsr-3213	529	7	s.	s.	PROPN
fsr-3213	529	8	j.	j.	PROPN
fsr-3213	529	9	,	,	PUNCT
fsr-3213	529	10	montalto	montalto	PROPN
fsr-3213	529	11	,	,	PUNCT
fsr-3213	529	12	c.	c.	PROPN
fsr-3213	529	13	p.	p.	PROPN
fsr-3213	529	14	,	,	PUNCT
fsr-3213	529	15	&	&	CCONJ
fsr-3213	529	16	letkiewicz	letkiewicz	PROPN
fsr-3213	529	17	,	,	PUNCT
fsr-3213	529	18	j.	j.	PROPN
fsr-3213	529	19	(	(	PUNCT
fsr-3213	529	20	2014	2014	NUM
fsr-3213	529	21	)	)	PUNCT
fsr-3213	529	22	.	.	PUNCT
fsr-3213	530	1	financial	financial	ADJ
fsr-3213	530	2	stress	stress	NOUN
fsr-3213	530	3	,	,	PUNCT
fsr-3213	530	4	self	self	NOUN
fsr-3213	530	5	-	-	PUNCT
fsr-3213	530	6	efficacy	efficacy	NOUN
fsr-3213	530	7	,	,	PUNCT
fsr-3213	530	8	and	and	CCONJ
fsr-3213	530	9	financial	financial	ADJ
fsr-3213	530	10	help	help	NOUN
fsr-3213	530	11	-	-	PUNCT
fsr-3213	530	12	seeking	seek	VERB
fsr-3213	530	13	behavior	behavior	NOUN
fsr-3213	530	14	of	of	ADP
fsr-3213	530	15	college	college	NOUN
fsr-3213	530	16	students	student	NOUN
fsr-3213	530	17	.	.	PUNCT
fsr-3213	531	1	journal	journal	NOUN
fsr-3213	531	2	of	of	ADP
fsr-3213	531	3	financial	financial	ADJ
fsr-3213	531	4	counseling	counseling	NOUN
fsr-3213	531	5	&	&	CCONJ
fsr-3213	531	6	planning	planning	NOUN
fsr-3213	531	7	,	,	PUNCT
fsr-3213	531	8	25	25	NUM
fsr-3213	531	9	,	,	PUNCT
fsr-3213	531	10	148–160	148–160	NUM
fsr-3213	531	11	.	.	PUNCT
fsr-3213	531	12	lown	lown	PROPN
fsr-3213	531	13	,	,	PUNCT
fsr-3213	531	14	j.	j.	PROPN
fsr-3213	531	15	m.	m.	PROPN
fsr-3213	531	16	(	(	PUNCT
fsr-3213	531	17	2011	2011	NUM
fsr-3213	531	18	)	)	PUNCT
fsr-3213	531	19	.	.	PUNCT
fsr-3213	532	1	development	development	NOUN
fsr-3213	532	2	and	and	CCONJ
fsr-3213	532	3	validation	validation	NOUN
fsr-3213	532	4	of	of	ADP
fsr-3213	532	5	a	a	DET
fsr-3213	532	6	financial	financial	ADJ
fsr-3213	532	7	self	self	NOUN
fsr-3213	532	8	-	-	PUNCT
fsr-3213	532	9	efficacy	efficacy	NOUN
fsr-3213	532	10	scale	scale	NOUN
fsr-3213	532	11	.	.	PUNCT
fsr-3213	533	1	journal	journal	NOUN
fsr-3213	533	2	of	of	ADP
fsr-3213	533	3	financial	financial	ADJ
fsr-3213	533	4	counseling	counseling	NOUN
fsr-3213	533	5	and	and	CCONJ
fsr-3213	533	6	planning	planning	NOUN
fsr-3213	533	7	,	,	PUNCT
fsr-3213	533	8	22	22	NUM
fsr-3213	533	9	,	,	PUNCT
fsr-3213	533	10	54–63	54–63	NUM
fsr-3213	533	11	.	.	PUNCT
fsr-3213	534	1	marsden	marsden	PROPN
fsr-3213	534	2	,	,	PUNCT
fsr-3213	534	3	m.	m.	NOUN
fsr-3213	534	4	,	,	PUNCT
fsr-3213	534	5	zick	zick	PROPN
fsr-3213	534	6	,	,	PUNCT
fsr-3213	534	7	c.	c.	PROPN
fsr-3213	534	8	d.	d.	PROPN
fsr-3213	534	9	,	,	PUNCT
fsr-3213	534	10	&	&	CCONJ
fsr-3213	534	11	mayer	mayer	PROPN
fsr-3213	534	12	,	,	PUNCT
fsr-3213	534	13	r.	r.	PROPN
fsr-3213	534	14	n.	n.	PROPN
fsr-3213	534	15	(	(	PUNCT
fsr-3213	534	16	2011	2011	NUM
fsr-3213	534	17	)	)	PUNCT
fsr-3213	534	18	.	.	PUNCT
fsr-3213	535	1	the	the	DET
fsr-3213	535	2	value	value	NOUN
fsr-3213	535	3	of	of	ADP
fsr-3213	535	4	seeking	seek	VERB
fsr-3213	535	5	financial	financial	ADJ
fsr-3213	535	6	advice	advice	NOUN
fsr-3213	535	7	.	.	PUNCT
fsr-3213	536	1	journal	journal	NOUN
fsr-3213	536	2	of	of	ADP
fsr-3213	536	3	family	family	NOUN
fsr-3213	536	4	and	and	CCONJ
fsr-3213	536	5	economic	economic	ADJ
fsr-3213	536	6	issues	issue	NOUN
fsr-3213	536	7	,	,	PUNCT
fsr-3213	536	8	32	32	NUM
fsr-3213	536	9	,	,	PUNCT
fsr-3213	536	10	625–643	625–643	NUM
fsr-3213	536	11	.	.	PUNCT
fsr-3213	537	1	mates	mates	PROPN
fsr-3213	537	2	,	,	PUNCT
fsr-3213	537	3	d.	d.	PROPN
fsr-3213	537	4	,	,	PUNCT
fsr-3213	537	5	&	&	CCONJ
fsr-3213	537	6	allison	allison	PROPN
fsr-3213	537	7	,	,	PUNCT
fsr-3213	537	8	k.	k.	PROPN
fsr-3213	537	9	r.	r.	PROPN
fsr-3213	537	10	(	(	PUNCT
fsr-3213	537	11	1992	1992	NUM
fsr-3213	537	12	)	)	PUNCT
fsr-3213	537	13	.	.	PUNCT
fsr-3213	538	1	sources	source	NOUN
fsr-3213	538	2	of	of	ADP
fsr-3213	538	3	stress	stress	NOUN
fsr-3213	538	4	and	and	CCONJ
fsr-3213	538	5	coping	cope	VERB
fsr-3213	538	6	responses	response	NOUN
fsr-3213	538	7	of	of	ADP
fsr-3213	538	8	high	high	ADJ
fsr-3213	538	9	school	school	NOUN
fsr-3213	538	10	students	student	NOUN
fsr-3213	538	11	.	.	PUNCT
fsr-3213	539	1	adolescence	adolescence	NOUN
fsr-3213	539	2	,	,	PUNCT
fsr-3213	539	3	27	27	NUM
fsr-3213	539	4	,	,	PUNCT
fsr-3213	539	5	461–474	461–474	NUM
fsr-3213	539	6	.	.	PUNCT
fsr-3213	540	1	park	park	PROPN
fsr-3213	540	2	,	,	PUNCT
fsr-3213	540	3	c.	c.	PROPN
fsr-3213	540	4	l.	l.	PROPN
fsr-3213	540	5	,	,	PUNCT
fsr-3213	540	6	&	&	CCONJ
fsr-3213	540	7	folkman	folkman	PROPN
fsr-3213	540	8	,	,	PUNCT
fsr-3213	540	9	s.	s.	PROPN
fsr-3213	540	10	(	(	PUNCT
fsr-3213	540	11	1997	1997	NUM
fsr-3213	540	12	)	)	PUNCT
fsr-3213	540	13	.	.	PUNCT
fsr-3213	541	1	meaning	mean	VERB
fsr-3213	541	2	in	in	ADP
fsr-3213	541	3	the	the	DET
fsr-3213	541	4	context	context	NOUN
fsr-3213	541	5	of	of	ADP
fsr-3213	541	6	stress	stress	NOUN
fsr-3213	541	7	and	and	CCONJ
fsr-3213	541	8	coping	cope	VERB
fsr-3213	541	9	.	.	PUNCT
fsr-3213	542	1	review	review	NOUN
fsr-3213	542	2	of	of	ADP
fsr-3213	542	3	general	general	ADJ
fsr-3213	542	4	psychology	psychology	NOUN
fsr-3213	542	5	,	,	PUNCT
fsr-3213	542	6	1	1	NUM
fsr-3213	542	7	,	,	PUNCT
fsr-3213	542	8	115–144	115–144	NUM
fsr-3213	542	9	.	.	PUNCT
fsr-3213	543	1	parker	parker	PROPN
fsr-3213	543	2	,	,	PUNCT
fsr-3213	543	3	a.	a.	NOUN
fsr-3213	543	4	m.	m.	NOUN
fsr-3213	543	5	,	,	PUNCT
fsr-3213	543	6	bruin	bruin	NOUN
fsr-3213	543	7	,	,	PUNCT
fsr-3213	543	8	w.	w.	PROPN
fsr-3213	543	9	b.	b.	PROPN
fsr-3213	543	10	,	,	PUNCT
fsr-3213	543	11	yoong	yoong	PROPN
fsr-3213	543	12	,	,	PUNCT
fsr-3213	543	13	j.	j.	PROPN
fsr-3213	543	14	,	,	PUNCT
fsr-3213	543	15	&	&	CCONJ
fsr-3213	543	16	willis	willis	PROPN
fsr-3213	543	17	,	,	PUNCT
fsr-3213	543	18	r.	r.	PROPN
fsr-3213	543	19	(	(	PUNCT
fsr-3213	543	20	2012	2012	NUM
fsr-3213	543	21	)	)	PUNCT
fsr-3213	543	22	.	.	PUNCT
fsr-3213	544	1	inappropriate	inappropriate	ADJ
fsr-3213	544	2	confidence	confidence	NOUN
fsr-3213	544	3	and	and	CCONJ
fsr-3213	544	4	retirement	retirement	NOUN
fsr-3213	544	5	planning	planning	NOUN
fsr-3213	544	6	:	:	PUNCT
fsr-3213	544	7	four	four	NUM
fsr-3213	544	8	studies	study	NOUN
fsr-3213	544	9	with	with	ADP
fsr-3213	544	10	a	a	DET
fsr-3213	544	11	national	national	ADJ
fsr-3213	544	12	sample	sample	NOUN
fsr-3213	544	13	.	.	PUNCT
fsr-3213	545	1	journal	journal	NOUN
fsr-3213	545	2	of	of	ADP
fsr-3213	545	3	behavioral	behavioral	ADJ
fsr-3213	545	4	decision	decision	NOUN
fsr-3213	545	5	making	making	NOUN
fsr-3213	545	6	,	,	PUNCT
fsr-3213	545	7	25	25	NUM
fsr-3213	545	8	,	,	PUNCT
fsr-3213	545	9	382–389	382–389	NUM
fsr-3213	545	10	.	.	PUNCT
fsr-3213	546	1	pike	pike	NOUN
fsr-3213	546	2	,	,	PUNCT
fsr-3213	546	3	g.	g.	PROPN
fsr-3213	546	4	r.	r.	PROPN
fsr-3213	546	5	(	(	PUNCT
fsr-3213	546	6	2012	2012	NUM
fsr-3213	546	7	)	)	PUNCT
fsr-3213	546	8	.	.	PUNCT
fsr-3213	547	1	nsse	nsse	NOUN
fsr-3213	547	2	benchmarks	benchmark	NOUN
fsr-3213	547	3	and	and	CCONJ
fsr-3213	547	4	institutional	institutional	ADJ
fsr-3213	547	5	outcomes	outcome	NOUN
fsr-3213	547	6	:	:	PUNCT
fsr-3213	547	7	a	a	DET
fsr-3213	547	8	note	note	NOUN
fsr-3213	547	9	on	on	ADP
fsr-3213	547	10	the	the	DET
fsr-3213	547	11	importance	importance	NOUN
fsr-3213	547	12	of	of	ADP
fsr-3213	547	13	considering	consider	VERB
fsr-3213	547	14	the	the	DET
fsr-3213	547	15	intended	intend	VERB
fsr-3213	547	16	uses	use	NOUN
fsr-3213	547	17	of	of	ADP
fsr-3213	547	18	a	a	DET
fsr-3213	547	19	measure	measure	NOUN
fsr-3213	547	20	in	in	ADP
fsr-3213	547	21	validity	validity	NOUN
fsr-3213	547	22	studies	study	NOUN
fsr-3213	547	23	.	.	PUNCT
fsr-3213	548	1	research	research	NOUN
fsr-3213	548	2	in	in	ADP
fsr-3213	548	3	higher	high	ADJ
fsr-3213	548	4	education	education	NOUN
fsr-3213	548	5	,	,	PUNCT
fsr-3213	548	6	54	54	NUM
fsr-3213	548	7	,	,	PUNCT
fsr-3213	548	8	149–170	149–170	NUM
fsr-3213	548	9	.	.	PUNCT
fsr-3213	549	1	prochaska	prochaska	PROPN
fsr-3213	549	2	,	,	PUNCT
fsr-3213	549	3	j.	j.	PROPN
fsr-3213	549	4	o.	o.	PROPN
fsr-3213	549	5	(	(	PUNCT
fsr-3213	549	6	1984	1984	NUM
fsr-3213	549	7	)	)	PUNCT
fsr-3213	549	8	.	.	PUNCT
fsr-3213	550	1	systems	system	NOUN
fsr-3213	550	2	of	of	ADP
fsr-3213	550	3	psychotherapy	psychotherapy	NOUN
fsr-3213	550	4	:	:	PUNCT
fsr-3213	550	5	a	a	DET
fsr-3213	550	6	transtheoretical	transtheoretical	ADJ
fsr-3213	550	7	analysis	analysis	NOUN
fsr-3213	550	8	(	(	PUNCT
fsr-3213	550	9	2nd	2nd	ADJ
fsr-3213	550	10	ed	ed	NOUN
fsr-3213	550	11	.	.	PUNCT
fsr-3213	550	12	)	)	PUNCT
fsr-3213	551	1	new	new	PROPN
fsr-3213	551	2	york	york	PROPN
fsr-3213	551	3	,	,	PUNCT
fsr-3213	551	4	ny	ny	PROPN
fsr-3213	551	5	:	:	PUNCT
fsr-3213	551	6	dorsey	dorsey	PROPN
fsr-3213	551	7	.	.	PROPN
fsr-3213	551	8	prochaska	prochaska	PROPN
fsr-3213	551	9	,	,	PUNCT
fsr-3213	551	10	j.	j.	PROPN
fsr-3213	551	11	o.	o.	PROPN
fsr-3213	551	12	,	,	PUNCT
fsr-3213	551	13	&	&	CCONJ
fsr-3213	551	14	velicer	velicer	PROPN
fsr-3213	551	15	,	,	PUNCT
fsr-3213	551	16	w.	w.	PROPN
fsr-3213	551	17	f.	f.	PROPN
fsr-3213	551	18	(	(	PUNCT
fsr-3213	551	19	1997	1997	NUM
fsr-3213	551	20	)	)	PUNCT
fsr-3213	551	21	.	.	PUNCT
fsr-3213	552	1	the	the	DET
fsr-3213	552	2	transtheoretical	transtheoretical	ADJ
fsr-3213	552	3	model	model	NOUN
fsr-3213	552	4	of	of	ADP
fsr-3213	552	5	health	health	NOUN
fsr-3213	552	6	behavior	behavior	NOUN
fsr-3213	552	7	change	change	NOUN
fsr-3213	552	8	.	.	PUNCT
fsr-3213	553	1	american	american	PROPN
fsr-3213	553	2	journal	journal	PROPN
fsr-3213	553	3	of	of	ADP
fsr-3213	553	4	health	health	PROPN
fsr-3213	553	5	promotion	promotion	NOUN
fsr-3213	553	6	,	,	PUNCT
fsr-3213	553	7	12	12	NUM
fsr-3213	553	8	,	,	PUNCT
fsr-3213	553	9	38–48	38–48	NUM
fsr-3213	553	10	.	.	PUNCT
fsr-3213	553	11	remund	remund	NOUN
fsr-3213	553	12	,	,	PUNCT
fsr-3213	553	13	d.	d.	PROPN
fsr-3213	553	14	l.	l.	PROPN
fsr-3213	553	15	(	(	PUNCT
fsr-3213	553	16	2010	2010	NUM
fsr-3213	553	17	)	)	PUNCT
fsr-3213	553	18	.	.	PUNCT
fsr-3213	554	1	financial	financial	ADJ
fsr-3213	554	2	literacy	literacy	NOUN
fsr-3213	554	3	explicated	explicate	VERB
fsr-3213	554	4	:	:	PUNCT
fsr-3213	554	5	the	the	DET
fsr-3213	554	6	case	case	NOUN
fsr-3213	554	7	for	for	ADP
fsr-3213	554	8	a	a	DET
fsr-3213	554	9	clearer	clear	ADJ
fsr-3213	554	10	definition	definition	NOUN
fsr-3213	554	11	in	in	ADP
fsr-3213	554	12	an	an	DET
fsr-3213	554	13	increasingly	increasingly	ADV
fsr-3213	554	14	complex	complex	ADJ
fsr-3213	554	15	economy	economy	NOUN
fsr-3213	554	16	.	.	PUNCT
fsr-3213	555	1	journal	journal	PROPN
fsr-3213	555	2	of	of	ADP
fsr-3213	555	3	consumer	consumer	NOUN
fsr-3213	555	4	affairs	affair	NOUN
fsr-3213	555	5	,	,	PUNCT
fsr-3213	555	6	44	44	NUM
fsr-3213	555	7	,	,	PUNCT
fsr-3213	555	8	276–295	276–295	NUM
fsr-3213	555	9	.	.	PUNCT
fsr-3213	556	1	robb	robb	NOUN
fsr-3213	556	2	,	,	PUNCT
fsr-3213	556	3	c.	c.	PROPN
fsr-3213	556	4	a.	a.	PROPN
fsr-3213	556	5	,	,	PUNCT
fsr-3213	556	6	babiarz	babiarz	PROPN
fsr-3213	556	7	,	,	PUNCT
fsr-3213	556	8	p.	p.	NOUN
fsr-3213	556	9	,	,	PUNCT
fsr-3213	556	10	&	&	CCONJ
fsr-3213	556	11	woodyard	woodyard	PROPN
fsr-3213	556	12	,	,	PUNCT
fsr-3213	556	13	a.	a.	NOUN
fsr-3213	556	14	(	(	PUNCT
fsr-3213	556	15	2012	2012	NUM
fsr-3213	556	16	)	)	PUNCT
fsr-3213	556	17	.	.	PUNCT
fsr-3213	557	1	the	the	DET
fsr-3213	557	2	demand	demand	NOUN
fsr-3213	557	3	for	for	ADP
fsr-3213	557	4	financial	financial	ADJ
fsr-3213	557	5	professionals	professional	NOUN
fsr-3213	557	6	’	'	PUNCT
fsr-3213	557	7	advice	advice	NOUN
fsr-3213	557	8	:	:	PUNCT
fsr-3213	557	9	the	the	DET
fsr-3213	557	10	role	role	NOUN
fsr-3213	557	11	of	of	ADP
fsr-3213	557	12	financial	financial	ADJ
fsr-3213	557	13	knowledge	knowledge	NOUN
fsr-3213	557	14	,	,	PUNCT
fsr-3213	557	15	satisfaction	satisfaction	NOUN
fsr-3213	557	16	,	,	PUNCT
fsr-3213	557	17	and	and	CCONJ
fsr-3213	557	18	confidence	confidence	NOUN
fsr-3213	557	19	.	.	PUNCT
fsr-3213	558	1	financial	financial	ADJ
fsr-3213	558	2	services	service	NOUN
fsr-3213	558	3	review	review	PROPN
fsr-3213	558	4	,	,	PUNCT
fsr-3213	558	5	21	21	NUM
fsr-3213	558	6	,	,	PUNCT
fsr-3213	558	7	291–305	291–305	NUM
fsr-3213	558	8	.	.	PUNCT
fsr-3213	559	1	schwarzer	schwarzer	PROPN
fsr-3213	559	2	,	,	PUNCT
fsr-3213	559	3	r.	r.	PROPN
fsr-3213	559	4	,	,	PUNCT
fsr-3213	559	5	&	&	CCONJ
fsr-3213	559	6	jerusalem	jerusalem	PROPN
fsr-3213	559	7	,	,	PUNCT
fsr-3213	559	8	m.	m.	NOUN
fsr-3213	559	9	(	(	PUNCT
fsr-3213	559	10	1995	1995	NUM
fsr-3213	559	11	)	)	PUNCT
fsr-3213	559	12	.	.	PUNCT
fsr-3213	560	1	generalized	generalize	VERB
fsr-3213	560	2	self	self	NOUN
fsr-3213	560	3	-	-	PUNCT
fsr-3213	560	4	efficacy	efficacy	NOUN
fsr-3213	560	5	scale	scale	NOUN
fsr-3213	560	6	.	.	PUNCT
fsr-3213	561	1	measures	measure	NOUN
fsr-3213	561	2	in	in	ADP
fsr-3213	561	3	health	health	NOUN
fsr-3213	561	4	psychology	psychology	NOUN
fsr-3213	561	5	:	:	PUNCT
fsr-3213	561	6	a	a	DET
fsr-3213	561	7	user	user	NOUN
fsr-3213	561	8	’s	’s	PART
fsr-3213	561	9	portfolio	portfolio	NOUN
fsr-3213	561	10	.	.	PUNCT
fsr-3213	562	1	causal	causal	PROPN
fsr-3213	562	2	and	and	CCONJ
fsr-3213	562	3	control	control	PROPN
fsr-3213	562	4	beliefs	belief	NOUN
fsr-3213	562	5	,	,	PUNCT
fsr-3213	562	6	1	1	NUM
fsr-3213	562	7	,	,	PUNCT
fsr-3213	562	8	35–37	35–37	PROPN
fsr-3213	562	9	.	.	PUNCT
fsr-3213	562	10	shockey	shockey	PROPN
fsr-3213	562	11	,	,	PUNCT
fsr-3213	562	12	s.	s.	PROPN
fsr-3213	562	13	s.	s.	PROPN
fsr-3213	562	14	,	,	PUNCT
fsr-3213	562	15	&	&	CCONJ
fsr-3213	562	16	seiling	seiling	PROPN
fsr-3213	562	17	,	,	PUNCT
fsr-3213	562	18	s.	s.	PROPN
fsr-3213	562	19	b.	b.	PROPN
fsr-3213	562	20	(	(	PUNCT
fsr-3213	562	21	2004	2004	NUM
fsr-3213	562	22	)	)	PUNCT
fsr-3213	562	23	.	.	PUNCT
fsr-3213	563	1	moving	move	VERB
fsr-3213	563	2	into	into	ADP
fsr-3213	563	3	action	action	NOUN
fsr-3213	563	4	:	:	PUNCT
fsr-3213	563	5	application	application	NOUN
fsr-3213	563	6	of	of	ADP
fsr-3213	563	7	the	the	DET
fsr-3213	563	8	transtheoretical	transtheoretical	ADJ
fsr-3213	563	9	model	model	NOUN
fsr-3213	563	10	of	of	ADP
fsr-3213	563	11	behavior	behavior	NOUN
fsr-3213	563	12	change	change	NOUN
fsr-3213	563	13	to	to	ADP
fsr-3213	563	14	financial	financial	ADJ
fsr-3213	563	15	education	education	NOUN
fsr-3213	563	16	.	.	PUNCT
fsr-3213	564	1	journal	journal	NOUN
fsr-3213	564	2	of	of	ADP
fsr-3213	564	3	financial	financial	ADJ
fsr-3213	564	4	counseling	counseling	NOUN
fsr-3213	564	5	&	&	CCONJ
fsr-3213	564	6	planning	planning	NOUN
fsr-3213	564	7	,	,	PUNCT
fsr-3213	564	8	15	15	NUM
fsr-3213	564	9	,	,	PUNCT
fsr-3213	564	10	41–52	41–52	NUM
fsr-3213	564	11	.	.	PUNCT
fsr-3213	565	1	statistics	statistics	PROPN
fsr-3213	565	2	canada	canada	PROPN
fsr-3213	565	3	.	.	PUNCT
fsr-3213	566	1	(	(	PUNCT
fsr-3213	566	2	2011	2011	NUM
fsr-3213	566	3	)	)	PUNCT
fsr-3213	566	4	.	.	PUNCT
fsr-3213	567	1	homeownership	homeownership	NOUN
fsr-3213	567	2	and	and	CCONJ
fsr-3213	567	3	shelter	shelter	NOUN
fsr-3213	567	4	costs	cost	NOUN
fsr-3213	567	5	in	in	ADP
fsr-3213	567	6	canada	canada	PROPN
fsr-3213	567	7	.	.	PUNCT
fsr-3213	568	1	national	national	ADJ
fsr-3213	568	2	household	household	NOUN
fsr-3213	568	3	survey	survey	NOUN
fsr-3213	568	4	,	,	PUNCT
fsr-3213	568	5	2011	2011	NUM
fsr-3213	568	6	.	.	PUNCT
fsr-3213	569	1	(	(	PUNCT
fsr-3213	569	2	available	available	ADJ
fsr-3213	569	3	at	at	ADP
fsr-3213	569	4	http://www12.statcan.gc.ca/nhs-enm/2011/as-sa/99-014-x/99-014-x2011002-eng.pdf	http://www12.statcan.gc.ca/nhs-enm/2011/as-sa/99-014-x/99-014-x2011002-eng.pdf	NOUN
fsr-3213	569	5	)	)	PUNCT
fsr-3213	569	6	.	.	PUNCT
fsr-3213	570	1	statistics	statistics	PROPN
fsr-3213	570	2	canada	canada	PROPN
fsr-3213	570	3	.	.	PUNCT
fsr-3213	571	1	(	(	PUNCT
fsr-3213	571	2	2012	2012	NUM
fsr-3213	571	3	)	)	PUNCT
fsr-3213	571	4	.	.	PUNCT
fsr-3213	572	1	changes	change	NOUN
fsr-3213	572	2	in	in	ADP
fsr-3213	572	3	wealth	wealth	NOUN
fsr-3213	572	4	across	across	ADP
fsr-3213	572	5	the	the	DET
fsr-3213	572	6	income	income	NOUN
fsr-3213	572	7	distribution	distribution	NOUN
fsr-3213	572	8	,	,	PUNCT
fsr-3213	572	9	1999	1999	NUM
fsr-3213	572	10	to	to	ADP
fsr-3213	572	11	2012	2012	NUM
fsr-3213	572	12	.	.	PUNCT
fsr-3213	573	1	insights	insight	NOUN
fsr-3213	573	2	on	on	ADP
fsr-3213	573	3	canadian	canadian	ADJ
fsr-3213	573	4	society	society	NOUN
fsr-3213	573	5	.	.	PUNCT
fsr-3213	574	1	(	(	PUNCT
fsr-3213	574	2	available	available	ADJ
fsr-3213	574	3	at	at	ADP
fsr-3213	574	4	http://www.statcan.gc.ca/pub/75-006-x/2015001/article/14194-eng.pdf	http://www.statcan.gc.ca/pub/75-006-x/2015001/article/14194-eng.pdf	ADV
fsr-3213	574	5	)	)	PUNCT
fsr-3213	574	6	.	.	PUNCT
fsr-3213	575	1	taylor	taylor	PROPN
fsr-3213	575	2	,	,	PUNCT
fsr-3213	575	3	m.	m.	NOUN
fsr-3213	575	4	,	,	PUNCT
fsr-3213	575	5	jenkins	jenkins	PROPN
fsr-3213	575	6	,	,	PUNCT
fsr-3213	575	7	s.	s.	PROPN
fsr-3213	575	8	,	,	PUNCT
fsr-3213	575	9	&	&	CCONJ
fsr-3213	575	10	sacker	sacker	NOUN
fsr-3213	575	11	,	,	PUNCT
fsr-3213	575	12	a.	a.	NOUN
fsr-3213	575	13	(	(	PUNCT
fsr-3213	575	14	2011	2011	NUM
fsr-3213	575	15	)	)	PUNCT
fsr-3213	575	16	.	.	PUNCT
fsr-3213	576	1	financial	financial	ADJ
fsr-3213	576	2	capability	capability	NOUN
fsr-3213	576	3	and	and	CCONJ
fsr-3213	576	4	psychological	psychological	ADJ
fsr-3213	576	5	health	health	NOUN
fsr-3213	576	6	.	.	PUNCT
fsr-3213	577	1	journal	journal	PROPN
fsr-3213	577	2	of	of	ADP
fsr-3213	577	3	economic	economic	ADJ
fsr-3213	577	4	psychology	psychology	NOUN
fsr-3213	577	5	,	,	PUNCT
fsr-3213	577	6	32	32	NUM
fsr-3213	577	7	,	,	PUNCT
fsr-3213	577	8	710–723	710–723	NUM
fsr-3213	577	9	.	.	PUNCT
fsr-3213	578	1	wrosch	wrosch	PROPN
fsr-3213	578	2	,	,	PUNCT
fsr-3213	578	3	c.	c.	PROPN
fsr-3213	578	4	,	,	PUNCT
fsr-3213	578	5	heckhausen	heckhausen	PROPN
fsr-3213	578	6	,	,	PUNCT
fsr-3213	578	7	j.	j.	PROPN
fsr-3213	578	8	,	,	PUNCT
fsr-3213	578	9	&	&	CCONJ
fsr-3213	578	10	lachman	lachman	PROPN
fsr-3213	578	11	,	,	PUNCT
fsr-3213	578	12	m.	m.	PROPN
fsr-3213	578	13	e.	e.	PROPN
fsr-3213	578	14	(	(	PUNCT
fsr-3213	578	15	2000	2000	NUM
fsr-3213	578	16	)	)	PUNCT
fsr-3213	578	17	.	.	PUNCT
fsr-3213	579	1	primary	primary	ADJ
fsr-3213	579	2	and	and	CCONJ
fsr-3213	579	3	secondary	secondary	ADJ
fsr-3213	579	4	control	control	NOUN
fsr-3213	579	5	strategies	strategy	NOUN
fsr-3213	579	6	for	for	ADP
fsr-3213	579	7	managing	manage	VERB
fsr-3213	579	8	health	health	NOUN
fsr-3213	579	9	and	and	CCONJ
fsr-3213	579	10	financial	financial	ADJ
fsr-3213	579	11	stress	stress	NOUN
fsr-3213	579	12	across	across	ADP
fsr-3213	579	13	adulthood	adulthood	NOUN
fsr-3213	579	14	.	.	PUNCT
fsr-3213	580	1	psychology	psychology	NOUN
fsr-3213	580	2	and	and	CCONJ
fsr-3213	580	3	aging	aging	NOUN
fsr-3213	580	4	,	,	PUNCT
fsr-3213	580	5	15	15	NUM
fsr-3213	580	6	,	,	PUNCT
fsr-3213	580	7	387–399	387–399	NUM
fsr-3213	580	8	.	.	PUNCT
fsr-3213	581	1	125j	125j	PROPN
fsr-3213	581	2	.	.	PUNCT
fsr-3213	582	1	letkiewicz	letkiewicz	PROPN
fsr-3213	582	2	et	et	PROPN
fsr-3213	582	3	al	al	PROPN
fsr-3213	582	4	.	.	PUNCT
fsr-3213	582	5	/	/	SYM
fsr-3213	582	6	financial	financial	ADJ
fsr-3213	582	7	services	service	NOUN
fsr-3213	582	8	review	review	VERB
fsr-3213	582	9	25	25	NUM
fsr-3213	582	10	(	(	PUNCT
fsr-3213	582	11	2016	2016	NUM
fsr-3213	582	12	)	)	PUNCT
fsr-3213	582	13	105–126	105–126	NUM
fsr-3213	582	14	willis	willis	PROPN
fsr-3213	582	15	,	,	PUNCT
fsr-3213	582	16	l.	l.	PROPN
fsr-3213	582	17	e.	e.	PROPN
fsr-3213	582	18	(	(	PUNCT
fsr-3213	582	19	2008	2008	NUM
fsr-3213	582	20	)	)	PUNCT
fsr-3213	582	21	.	.	PUNCT
fsr-3213	583	1	against	against	ADP
fsr-3213	583	2	financial	financial	ADJ
fsr-3213	583	3	-	-	PUNCT
fsr-3213	583	4	literacy	literacy	NOUN
fsr-3213	583	5	education	education	NOUN
fsr-3213	583	6	.	.	PUNCT
fsr-3213	584	1	iowa	iowa	PROPN
fsr-3213	584	2	law	law	PROPN
fsr-3213	584	3	review	review	PROPN
fsr-3213	584	4	,	,	PUNCT
fsr-3213	584	5	94	94	NUM
fsr-3213	584	6	,	,	PUNCT
fsr-3213	584	7	197–285	197–285	NUM
fsr-3213	584	8	.	.	PUNCT
fsr-3213	585	1	xiao	xiao	PROPN
fsr-3213	585	2	,	,	PUNCT
fsr-3213	585	3	j.	j.	PROPN
fsr-3213	585	4	j.	j.	PROPN
fsr-3213	585	5	,	,	PUNCT
fsr-3213	585	6	newman	newman	PROPN
fsr-3213	585	7	,	,	PUNCT
fsr-3213	585	8	b.	b.	PROPN
fsr-3213	585	9	,	,	PUNCT
fsr-3213	585	10	prochaska	prochaska	PROPN
fsr-3213	585	11	,	,	PUNCT
fsr-3213	585	12	j.	j.	PROPN
fsr-3213	585	13	m.	m.	PROPN
fsr-3213	585	14	,	,	PUNCT
fsr-3213	585	15	leon	leon	PROPN
fsr-3213	585	16	,	,	PUNCT
fsr-3213	585	17	b.	b.	PROPN
fsr-3213	585	18	,	,	PUNCT
fsr-3213	585	19	bassett	bassett	PROPN
fsr-3213	585	20	,	,	PUNCT
fsr-3213	585	21	r.	r.	PROPN
fsr-3213	585	22	l.	l.	PROPN
fsr-3213	585	23	,	,	PUNCT
fsr-3213	585	24	&	&	CCONJ
fsr-3213	585	25	johnson	johnson	PROPN
fsr-3213	585	26	,	,	PUNCT
fsr-3213	585	27	j.	j.	PROPN
fsr-3213	585	28	l.	l.	PROPN
fsr-3213	585	29	(	(	PUNCT
fsr-3213	585	30	2004	2004	NUM
fsr-3213	585	31	)	)	PUNCT
fsr-3213	585	32	.	.	PUNCT
fsr-3213	586	1	applying	apply	VERB
fsr-3213	586	2	the	the	DET
fsr-3213	586	3	transtheoretical	transtheoretical	ADJ
fsr-3213	586	4	model	model	NOUN
fsr-3213	586	5	of	of	ADP
fsr-3213	586	6	change	change	NOUN
fsr-3213	586	7	to	to	ADP
fsr-3213	586	8	consumer	consumer	NOUN
fsr-3213	586	9	debt	debt	NOUN
fsr-3213	586	10	behavior	behavior	NOUN
fsr-3213	586	11	.	.	PUNCT
fsr-3213	587	1	journal	journal	PROPN
fsr-3213	587	2	of	of	ADP
fsr-3213	587	3	financial	financial	ADJ
fsr-3213	587	4	counseling	counseling	NOUN
fsr-3213	587	5	&	&	CCONJ
fsr-3213	587	6	planning	planning	NOUN
fsr-3213	587	7	,	,	PUNCT
fsr-3213	587	8	15	15	NUM
fsr-3213	587	9	,	,	PUNCT
fsr-3213	587	10	89–100	89–100	NUM
fsr-3213	587	11	.	.	PUNCT
fsr-3213	588	1	zick	zick	PROPN
fsr-3213	588	2	,	,	PUNCT
fsr-3213	588	3	c.	c.	PROPN
fsr-3213	588	4	d.	d.	PROPN
fsr-3213	588	5	,	,	PUNCT
fsr-3213	588	6	&	&	CCONJ
fsr-3213	588	7	mayer	mayer	PROPN
fsr-3213	588	8	,	,	PUNCT
fsr-3213	588	9	r.	r.	PROPN
fsr-3213	588	10	n.	n.	PROPN
fsr-3213	588	11	(	(	PUNCT
fsr-3213	588	12	2013	2013	NUM
fsr-3213	588	13	)	)	PUNCT
fsr-3213	588	14	.	.	PUNCT
fsr-3213	589	1	evaluating	evaluate	VERB
fsr-3213	589	2	the	the	DET
fsr-3213	589	3	impact	impact	NOUN
fsr-3213	589	4	of	of	ADP
fsr-3213	589	5	financial	financial	ADJ
fsr-3213	589	6	planners	planner	NOUN
fsr-3213	589	7	.	.	PUNCT
fsr-3213	590	1	in	in	ADP
fsr-3213	590	2	o.	o.	PROPN
fsr-3213	590	3	s.	s.	PROPN
fsr-3213	590	4	mitchell	mitchell	PROPN
fsr-3213	590	5	&	&	CCONJ
fsr-3213	590	6	k.	k.	PROPN
fsr-3213	590	7	smetters	smetters	PROPN
fsr-3213	590	8	(	(	PUNCT
fsr-3213	590	9	eds	ed	NOUN
fsr-3213	590	10	.	.	PUNCT
fsr-3213	590	11	)	)	PUNCT
fsr-3213	590	12	,	,	PUNCT
fsr-3213	590	13	the	the	DET
fsr-3213	590	14	market	market	NOUN
fsr-3213	590	15	for	for	ADP
fsr-3213	590	16	retirement	retirement	NOUN
fsr-3213	590	17	financial	financial	ADJ
fsr-3213	590	18	advice	advice	NOUN
fsr-3213	590	19	(	(	PUNCT
fsr-3213	590	20	pp	pp	ADJ
fsr-3213	590	21	.	.	PUNCT
fsr-3213	591	1	153–181	153–181	NUM
fsr-3213	591	2	)	)	PUNCT
fsr-3213	591	3	.	.	PUNCT
fsr-3213	592	1	oxford	oxford	NOUN
fsr-3213	592	2	:	:	PUNCT
fsr-3213	592	3	oxford	oxford	PROPN
fsr-3213	592	4	university	university	PROPN
fsr-3213	592	5	press	press	NOUN
fsr-3213	592	6	.	.	PUNCT
fsr-3213	593	1	126	126	NUM
fsr-3213	593	2	j.	j.	PROPN
fsr-3213	593	3	letkiewicz	letkiewicz	PROPN
fsr-3213	593	4	et	et	PROPN
fsr-3213	593	5	al	al	PROPN
fsr-3213	593	6	.	.	PUNCT
fsr-3213	593	7	/	/	SYM
fsr-3213	593	8	financial	financial	ADJ
fsr-3213	593	9	services	service	NOUN
fsr-3213	593	10	review	review	VERB
fsr-3213	593	11	25	25	NUM
fsr-3213	593	12	(	(	PUNCT
fsr-3213	593	13	2016	2016	NUM
fsr-3213	593	14	)	)	PUNCT
fsr-3213	593	15	105–126	105–126	NUM