id	sid	tid	token	lemma	pos
fsr-3217	1	1	financial	financial	ADJ
fsr-3217	1	2	adviser	adviser	NOUN
fsr-3217	1	3	users	user	NOUN
fsr-3217	1	4	and	and	CCONJ
fsr-3217	1	5	financial	financial	ADJ
fsr-3217	1	6	literacy	literacy	NOUN
fsr-3217	1	7	bhanu	bhanu	PROPN
fsr-3217	1	8	balasubramniana	balasubramniana	PROPN
fsr-3217	1	9	,	,	PUNCT
fsr-3217	1	10	eric	eric	PROPN
fsr-3217	1	11	r.	r.	PROPN
fsr-3217	1	12	briskera	briskera	PROPN
fsr-3217	1	13	,	,	PUNCT
fsr-3217	1	14	*	*	PUNCT
fsr-3217	1	15	acollege	acollege	NOUN
fsr-3217	1	16	of	of	ADP
fsr-3217	1	17	business	business	NOUN
fsr-3217	1	18	administration	administration	NOUN
fsr-3217	1	19	,	,	PUNCT
fsr-3217	1	20	the	the	DET
fsr-3217	1	21	university	university	PROPN
fsr-3217	1	22	of	of	ADP
fsr-3217	1	23	akron	akron	PROPN
fsr-3217	1	24	,	,	PUNCT
fsr-3217	1	25	akron	akron	PROPN
fsr-3217	1	26	,	,	PUNCT
fsr-3217	1	27	oh	oh	INTJ
fsr-3217	1	28	44325	44325	NUM
fsr-3217	1	29	,	,	PUNCT
fsr-3217	1	30	usa	usa	PROPN
fsr-3217	1	31	abstract	abstract	PROPN
fsr-3217	1	32	using	use	VERB
fsr-3217	1	33	the	the	DET
fsr-3217	1	34	2012	2012	NUM
fsr-3217	1	35	national	national	ADJ
fsr-3217	1	36	financial	financial	ADJ
fsr-3217	1	37	capability	capability	NOUN
fsr-3217	1	38	study	study	NOUN
fsr-3217	1	39	we	we	PRON
fsr-3217	1	40	determine	determine	VERB
fsr-3217	1	41	what	what	PRON
fsr-3217	1	42	demographic	demographic	ADJ
fsr-3217	1	43	characteristics	characteristic	NOUN
fsr-3217	1	44	are	be	AUX
fsr-3217	1	45	associated	associate	VERB
fsr-3217	1	46	with	with	ADP
fsr-3217	1	47	individuals	individual	NOUN
fsr-3217	1	48	that	that	PRON
fsr-3217	1	49	use	use	VERB
fsr-3217	1	50	financial	financial	ADJ
fsr-3217	1	51	advisers	adviser	NOUN
fsr-3217	1	52	and	and	CCONJ
fsr-3217	1	53	whether	whether	SCONJ
fsr-3217	1	54	financial	financial	ADJ
fsr-3217	1	55	advisers	adviser	NOUN
fsr-3217	1	56	have	have	VERB
fsr-3217	1	57	any	any	DET
fsr-3217	1	58	impact	impact	NOUN
fsr-3217	1	59	on	on	ADP
fsr-3217	1	60	the	the	DET
fsr-3217	1	61	financial	financial	ADJ
fsr-3217	1	62	literacy	literacy	NOUN
fsr-3217	1	63	of	of	ADP
fsr-3217	1	64	their	their	PRON
fsr-3217	1	65	clients	client	NOUN
fsr-3217	1	66	.	.	PUNCT
fsr-3217	2	1	we	we	PRON
fsr-3217	2	2	consider	consider	VERB
fsr-3217	2	3	five	five	NUM
fsr-3217	2	4	types	type	NOUN
fsr-3217	2	5	of	of	ADP
fsr-3217	2	6	financial	financial	ADJ
fsr-3217	2	7	advisers	adviser	NOUN
fsr-3217	2	8	:	:	PUNCT
fsr-3217	2	9	debt	debt	NOUN
fsr-3217	2	10	counselors	counselor	NOUN
fsr-3217	2	11	,	,	PUNCT
fsr-3217	2	12	savings	saving	NOUN
fsr-3217	2	13	or	or	CCONJ
fsr-3217	2	14	investment	investment	NOUN
fsr-3217	2	15	,	,	PUNCT
fsr-3217	2	16	mortgage	mortgage	NOUN
fsr-3217	2	17	or	or	CCONJ
fsr-3217	2	18	loan	loan	NOUN
fsr-3217	2	19	,	,	PUNCT
fsr-3217	2	20	insurance	insurance	NOUN
fsr-3217	2	21	,	,	PUNCT
fsr-3217	2	22	and	and	CCONJ
fsr-3217	2	23	tax	tax	NOUN
fsr-3217	2	24	planning	planning	NOUN
fsr-3217	2	25	.	.	PUNCT
fsr-3217	3	1	we	we	PRON
fsr-3217	3	2	find	find	VERB
fsr-3217	3	3	a	a	DET
fsr-3217	3	4	significant	significant	ADJ
fsr-3217	3	5	increase	increase	NOUN
fsr-3217	3	6	in	in	ADP
fsr-3217	3	7	the	the	DET
fsr-3217	3	8	use	use	NOUN
fsr-3217	3	9	of	of	ADP
fsr-3217	3	10	financial	financial	ADJ
fsr-3217	3	11	advisers	adviser	NOUN
fsr-3217	3	12	over	over	ADP
fsr-3217	3	13	the	the	DET
fsr-3217	3	14	past	past	ADJ
fsr-3217	3	15	decade	decade	NOUN
fsr-3217	3	16	.	.	PUNCT
fsr-3217	4	1	we	we	PRON
fsr-3217	4	2	also	also	ADV
fsr-3217	4	3	find	find	VERB
fsr-3217	4	4	that	that	SCONJ
fsr-3217	4	5	savings	saving	NOUN
fsr-3217	4	6	or	or	CCONJ
fsr-3217	4	7	investments	investment	NOUN
fsr-3217	4	8	advisers	adviser	NOUN
fsr-3217	4	9	have	have	VERB
fsr-3217	4	10	the	the	DET
fsr-3217	4	11	largest	large	ADJ
fsr-3217	4	12	positive	positive	ADJ
fsr-3217	4	13	impact	impact	NOUN
fsr-3217	4	14	on	on	ADP
fsr-3217	4	15	the	the	DET
fsr-3217	4	16	financial	financial	ADJ
fsr-3217	4	17	literacy	literacy	NOUN
fsr-3217	4	18	of	of	ADP
fsr-3217	4	19	their	their	PRON
fsr-3217	4	20	clients	client	NOUN
fsr-3217	4	21	,	,	PUNCT
fsr-3217	4	22	followed	follow	VERB
fsr-3217	4	23	by	by	ADP
fsr-3217	4	24	mortgage	mortgage	NOUN
fsr-3217	4	25	or	or	CCONJ
fsr-3217	4	26	loan	loan	NOUN
fsr-3217	4	27	and	and	CCONJ
fsr-3217	4	28	insurance	insurance	NOUN
fsr-3217	4	29	advisers	adviser	NOUN
fsr-3217	4	30	,	,	PUNCT
fsr-3217	4	31	even	even	ADV
fsr-3217	4	32	when	when	SCONJ
fsr-3217	4	33	controlling	control	VERB
fsr-3217	4	34	for	for	ADP
fsr-3217	4	35	financial	financial	ADJ
fsr-3217	4	36	education	education	NOUN
fsr-3217	4	37	and	and	CCONJ
fsr-3217	4	38	potential	potential	ADJ
fsr-3217	4	39	endogeneity	endogeneity	NOUN
fsr-3217	4	40	issues	issue	NOUN
fsr-3217	4	41	.	.	PUNCT
fsr-3217	5	1	©	©	PROPN
fsr-3217	5	2	2016	2016	NUM
fsr-3217	5	3	academy	academy	NOUN
fsr-3217	5	4	of	of	ADP
fsr-3217	5	5	financial	financial	ADJ
fsr-3217	5	6	services	service	NOUN
fsr-3217	5	7	.	.	PUNCT
fsr-3217	6	1	all	all	DET
fsr-3217	6	2	rights	right	NOUN
fsr-3217	6	3	reserved	reserve	VERB
fsr-3217	6	4	.	.	PUNCT
fsr-3217	7	1	jel	jel	PROPN
fsr-3217	7	2	classification	classification	NOUN
fsr-3217	7	3	:	:	PUNCT
fsr-3217	7	4	d12	d12	NUM
fsr-3217	7	5	;	;	PUNCT
fsr-3217	7	6	d14	d14	NOUN
fsr-3217	7	7	;	;	PUNCT
fsr-3217	7	8	d81	d81	VERB
fsr-3217	7	9	keywords	keyword	NOUN
fsr-3217	7	10	:	:	PUNCT
fsr-3217	7	11	personal	personal	ADJ
fsr-3217	7	12	financial	financial	ADJ
fsr-3217	7	13	planning	planning	NOUN
fsr-3217	7	14	;	;	PUNCT
fsr-3217	7	15	financial	financial	ADJ
fsr-3217	7	16	advisers	adviser	NOUN
fsr-3217	7	17	;	;	PUNCT
fsr-3217	7	18	financial	financial	ADJ
fsr-3217	7	19	planners	planner	NOUN
fsr-3217	7	20	;	;	PUNCT
fsr-3217	7	21	financial	financial	ADJ
fsr-3217	7	22	literacy	literacy	NOUN
fsr-3217	7	23	;	;	PUNCT
fsr-3217	7	24	instrumental	instrumental	ADJ
fsr-3217	7	25	variable	variable	ADJ
fsr-3217	7	26	models	model	NOUN
fsr-3217	7	27	;	;	PUNCT
fsr-3217	8	1	propensity	propensity	NOUN
fsr-3217	8	2	score	score	NOUN
fsr-3217	8	3	matching	match	VERB
fsr-3217	8	4	1	1	NUM
fsr-3217	8	5	.	.	PUNCT
fsr-3217	9	1	introduction	introduction	NOUN
fsr-3217	9	2	we	we	PRON
fsr-3217	9	3	can	can	AUX
fsr-3217	9	4	argue	argue	VERB
fsr-3217	9	5	that	that	SCONJ
fsr-3217	9	6	financial	financial	ADJ
fsr-3217	9	7	clients	client	NOUN
fsr-3217	9	8	follow	follow	VERB
fsr-3217	9	9	the	the	DET
fsr-3217	9	10	advice	advice	NOUN
fsr-3217	9	11	from	from	ADP
fsr-3217	9	12	their	their	PRON
fsr-3217	9	13	financial	financial	ADJ
fsr-3217	9	14	advisers	adviser	NOUN
fsr-3217	9	15	without	without	ADP
fsr-3217	9	16	learning	learn	VERB
fsr-3217	9	17	from	from	ADP
fsr-3217	9	18	their	their	PRON
fsr-3217	9	19	interactions	interaction	NOUN
fsr-3217	9	20	or	or	CCONJ
fsr-3217	9	21	financial	financial	ADJ
fsr-3217	9	22	experience	experience	NOUN
fsr-3217	9	23	.	.	PUNCT
fsr-3217	10	1	on	on	ADP
fsr-3217	10	2	the	the	DET
fsr-3217	10	3	other	other	ADJ
fsr-3217	10	4	hand	hand	NOUN
fsr-3217	10	5	,	,	PUNCT
fsr-3217	10	6	it	it	PRON
fsr-3217	10	7	is	be	AUX
fsr-3217	10	8	possible	possible	ADJ
fsr-3217	10	9	that	that	SCONJ
fsr-3217	10	10	financial	financial	ADJ
fsr-3217	10	11	clients	client	NOUN
fsr-3217	10	12	do	do	AUX
fsr-3217	10	13	learn	learn	VERB
fsr-3217	10	14	from	from	ADP
fsr-3217	10	15	their	their	PRON
fsr-3217	10	16	financial	financial	ADJ
fsr-3217	10	17	experience	experience	NOUN
fsr-3217	10	18	and	and	CCONJ
fsr-3217	10	19	interactions	interaction	NOUN
fsr-3217	10	20	with	with	ADP
fsr-3217	10	21	financial	financial	ADJ
fsr-3217	10	22	advisers	adviser	NOUN
fsr-3217	10	23	.	.	PUNCT
fsr-3217	11	1	thus	thus	ADV
fsr-3217	11	2	,	,	PUNCT
fsr-3217	11	3	financial	financial	ADJ
fsr-3217	11	4	advisers	adviser	NOUN
fsr-3217	11	5	may	may	AUX
fsr-3217	11	6	play	play	VERB
fsr-3217	11	7	a	a	DET
fsr-3217	11	8	significant	significant	ADJ
fsr-3217	11	9	role	role	NOUN
fsr-3217	11	10	in	in	ADP
fsr-3217	11	11	disseminating	disseminate	VERB
fsr-3217	11	12	financial	financial	ADJ
fsr-3217	11	13	knowledge	knowledge	NOUN
fsr-3217	11	14	to	to	ADP
fsr-3217	11	15	their	their	PRON
fsr-3217	11	16	clients	client	NOUN
fsr-3217	11	17	that	that	PRON
fsr-3217	11	18	positively	positively	ADV
fsr-3217	11	19	impacts	impact	VERB
fsr-3217	11	20	their	their	PRON
fsr-3217	11	21	financial	financial	ADJ
fsr-3217	11	22	literacy	literacy	NOUN
fsr-3217	11	23	.	.	PUNCT
fsr-3217	12	1	in	in	ADP
fsr-3217	12	2	this	this	DET
fsr-3217	12	3	article	article	NOUN
fsr-3217	12	4	,	,	PUNCT
fsr-3217	12	5	using	use	VERB
fsr-3217	12	6	the	the	DET
fsr-3217	12	7	survey	survey	NOUN
fsr-3217	12	8	data	datum	NOUN
fsr-3217	12	9	from	from	ADP
fsr-3217	12	10	the	the	DET
fsr-3217	12	11	2012	2012	NUM
fsr-3217	12	12	national	national	ADJ
fsr-3217	12	13	financial	financial	ADJ
fsr-3217	12	14	capability	capability	NOUN
fsr-3217	12	15	study	study	NOUN
fsr-3217	12	16	(	(	PUNCT
fsr-3217	12	17	nfcs	nfc	NOUN
fsr-3217	12	18	)	)	PUNCT
fsr-3217	12	19	,	,	PUNCT
fsr-3217	12	20	conducted	conduct	VERB
fsr-3217	12	21	by	by	ADP
fsr-3217	12	22	the	the	DET
fsr-3217	12	23	financial	financial	ADJ
fsr-3217	12	24	industry	industry	NOUN
fsr-3217	12	25	regulatory	regulatory	ADJ
fsr-3217	12	26	authority	authority	NOUN
fsr-3217	12	27	(	(	PUNCT
fsr-3217	12	28	finra	finra	NOUN
fsr-3217	12	29	)	)	PUNCT
fsr-3217	12	30	investor	investor	NOUN
fsr-3217	12	31	education	education	NOUN
fsr-3217	12	32	foundation	foundation	NOUN
fsr-3217	12	33	,	,	PUNCT
fsr-3217	12	34	we	we	PRON
fsr-3217	12	35	first	first	ADV
fsr-3217	12	36	identify	identify	VERB
fsr-3217	12	37	demographic	demographic	ADJ
fsr-3217	12	38	characteristics	characteristic	NOUN
fsr-3217	12	39	that	that	PRON
fsr-3217	12	40	are	be	AUX
fsr-3217	12	41	associated	associate	VERB
fsr-3217	12	42	with	with	ADP
fsr-3217	12	43	individuals	individual	NOUN
fsr-3217	12	44	that	that	PRON
fsr-3217	12	45	use	use	VERB
fsr-3217	12	46	financial	financial	ADJ
fsr-3217	12	47	*	*	PUNCT
fsr-3217	12	48	corresponding	correspond	VERB
fsr-3217	12	49	author	author	NOUN
fsr-3217	12	50	.	.	PUNCT
fsr-3217	13	1	tel	tel	PROPN
fsr-3217	13	2	.	.	PUNCT
fsr-3217	13	3	:	:	PUNCT
fsr-3217	14	1	�	�	PROPN
fsr-3217	14	2	1	1	NUM
fsr-3217	14	3	-	-	SYM
fsr-3217	14	4	850	850	NUM
fsr-3217	14	5	-	-	PUNCT
fsr-3217	14	6	766	766	NUM
fsr-3217	14	7	-	-	SYM
fsr-3217	14	8	8315	8315	NUM
fsr-3217	14	9	;	;	PUNCT
fsr-3217	14	10	fax	fax	NOUN
fsr-3217	14	11	:	:	PUNCT
fsr-3217	14	12	�	�	PROPN
fsr-3217	14	13	1	1	NUM
fsr-3217	14	14	-	-	SYM
fsr-3217	14	15	330	330	NUM
fsr-3217	14	16	-	-	NUM
fsr-3217	14	17	972	972	NUM
fsr-3217	14	18	-	-	SYM
fsr-3217	14	19	5970	5970	NUM
fsr-3217	14	20	.	.	PUNCT
fsr-3217	15	1	e	e	X
fsr-3217	15	2	-	-	NOUN
fsr-3217	15	3	mail	mail	NOUN
fsr-3217	15	4	address	address	NOUN
fsr-3217	15	5	:	:	PUNCT
fsr-3217	15	6	ebrisker@uakron.edu	ebrisker@uakron.edu	PROPN
fsr-3217	15	7	(	(	PUNCT
fsr-3217	15	8	e.	e.	PROPN
fsr-3217	15	9	r.	r.	PROPN
fsr-3217	15	10	brisker	brisker	X
fsr-3217	15	11	)	)	PUNCT
fsr-3217	15	12	financial	financial	ADJ
fsr-3217	15	13	services	service	NOUN
fsr-3217	15	14	review	review	VERB
fsr-3217	15	15	25	25	NUM
fsr-3217	15	16	(	(	PUNCT
fsr-3217	15	17	2016	2016	NUM
fsr-3217	15	18	)	)	PUNCT
fsr-3217	15	19	127–155	127–155	NUM
fsr-3217	15	20	1057	1057	NUM
fsr-3217	15	21	-	-	SYM
fsr-3217	15	22	0810/16/$	0810/16/$	ADV
fsr-3217	15	23	–	–	PUNCT
fsr-3217	15	24	see	see	VERB
fsr-3217	15	25	front	front	ADJ
fsr-3217	15	26	matter	matter	NOUN
fsr-3217	15	27	©	©	PROPN
fsr-3217	15	28	2016	2016	NUM
fsr-3217	15	29	academy	academy	NOUN
fsr-3217	15	30	of	of	ADP
fsr-3217	15	31	financial	financial	ADJ
fsr-3217	15	32	services	service	NOUN
fsr-3217	15	33	.	.	PUNCT
fsr-3217	16	1	all	all	DET
fsr-3217	16	2	rights	right	NOUN
fsr-3217	16	3	reserved	reserve	VERB
fsr-3217	16	4	.	.	PUNCT
fsr-3217	17	1	advisers	adviser	NOUN
fsr-3217	17	2	in	in	ADP
fsr-3217	17	3	the	the	DET
fsr-3217	17	4	united	united	PROPN
fsr-3217	17	5	states	states	PROPN
fsr-3217	17	6	.	.	PUNCT
fsr-3217	18	1	we	we	PRON
fsr-3217	18	2	then	then	ADV
fsr-3217	18	3	determine	determine	VERB
fsr-3217	18	4	if	if	SCONJ
fsr-3217	18	5	financial	financial	ADJ
fsr-3217	18	6	advisers	adviser	NOUN
fsr-3217	18	7	have	have	VERB
fsr-3217	18	8	any	any	DET
fsr-3217	18	9	impact	impact	NOUN
fsr-3217	18	10	on	on	ADP
fsr-3217	18	11	the	the	DET
fsr-3217	18	12	financial	financial	ADJ
fsr-3217	18	13	literacy	literacy	NOUN
fsr-3217	18	14	of	of	ADP
fsr-3217	18	15	their	their	PRON
fsr-3217	18	16	clients	client	NOUN
fsr-3217	18	17	.	.	PUNCT
fsr-3217	19	1	over	over	ADP
fsr-3217	19	2	the	the	DET
fsr-3217	19	3	past	past	ADJ
fsr-3217	19	4	few	few	ADJ
fsr-3217	19	5	decades	decade	NOUN
fsr-3217	19	6	financial	financial	ADJ
fsr-3217	19	7	products	product	NOUN
fsr-3217	19	8	have	have	AUX
fsr-3217	19	9	become	become	VERB
fsr-3217	19	10	more	more	ADV
fsr-3217	19	11	complex	complex	ADJ
fsr-3217	19	12	to	to	ADP
fsr-3217	19	13	the	the	DET
fsr-3217	19	14	point	point	NOUN
fsr-3217	19	15	that	that	SCONJ
fsr-3217	19	16	making	make	VERB
fsr-3217	19	17	financial	financial	ADJ
fsr-3217	19	18	decisions	decision	NOUN
fsr-3217	19	19	has	have	AUX
fsr-3217	19	20	become	become	VERB
fsr-3217	19	21	very	very	ADV
fsr-3217	19	22	challenging	challenging	ADJ
fsr-3217	19	23	for	for	ADP
fsr-3217	19	24	most	most	ADJ
fsr-3217	19	25	people	people	NOUN
fsr-3217	19	26	.	.	PUNCT
fsr-3217	20	1	in	in	ADP
fsr-3217	20	2	addition	addition	NOUN
fsr-3217	20	3	,	,	PUNCT
fsr-3217	20	4	retirement	retirement	NOUN
fsr-3217	20	5	planning	planning	NOUN
fsr-3217	20	6	decisions	decision	NOUN
fsr-3217	20	7	have	have	AUX
fsr-3217	20	8	become	become	VERB
fsr-3217	20	9	more	more	ADV
fsr-3217	20	10	difficult	difficult	ADJ
fsr-3217	20	11	for	for	ADP
fsr-3217	20	12	many	many	ADJ
fsr-3217	20	13	people	people	NOUN
fsr-3217	20	14	because	because	SCONJ
fsr-3217	20	15	of	of	ADP
fsr-3217	20	16	a	a	DET
fsr-3217	20	17	shift	shift	NOUN
fsr-3217	20	18	in	in	ADP
fsr-3217	20	19	employee	employee	NOUN
fsr-3217	20	20	retirement	retirement	NOUN
fsr-3217	20	21	plans	plan	NOUN
fsr-3217	20	22	away	away	ADV
fsr-3217	20	23	from	from	ADP
fsr-3217	20	24	defined	define	VERB
fsr-3217	20	25	benefit	benefit	NOUN
fsr-3217	20	26	plans	plan	NOUN
fsr-3217	20	27	and	and	CCONJ
fsr-3217	20	28	towards	towards	ADP
fsr-3217	20	29	defined	define	VERB
fsr-3217	20	30	contribution	contribution	NOUN
fsr-3217	20	31	plans	plan	NOUN
fsr-3217	20	32	where	where	SCONJ
fsr-3217	20	33	individuals	individual	NOUN
fsr-3217	20	34	must	must	AUX
fsr-3217	20	35	make	make	VERB
fsr-3217	20	36	their	their	PRON
fsr-3217	20	37	own	own	ADJ
fsr-3217	20	38	investment	investment	NOUN
fsr-3217	20	39	allocation	allocation	NOUN
fsr-3217	20	40	decisions	decision	NOUN
fsr-3217	20	41	.	.	PUNCT
fsr-3217	21	1	for	for	ADP
fsr-3217	21	2	example	example	NOUN
fsr-3217	21	3	,	,	PUNCT
fsr-3217	21	4	in	in	ADP
fsr-3217	21	5	recent	recent	ADJ
fsr-3217	21	6	years	year	NOUN
fsr-3217	21	7	there	there	PRON
fsr-3217	21	8	has	have	AUX
fsr-3217	21	9	been	be	AUX
fsr-3217	21	10	a	a	DET
fsr-3217	21	11	large	large	ADJ
fsr-3217	21	12	increase	increase	NOUN
fsr-3217	21	13	in	in	ADP
fsr-3217	21	14	the	the	DET
fsr-3217	21	15	number	number	NOUN
fsr-3217	21	16	of	of	ADP
fsr-3217	21	17	investment	investment	NOUN
fsr-3217	21	18	products	product	NOUN
fsr-3217	21	19	available	available	ADJ
fsr-3217	21	20	that	that	PRON
fsr-3217	21	21	are	be	AUX
fsr-3217	21	22	typically	typically	ADV
fsr-3217	21	23	used	use	VERB
fsr-3217	21	24	for	for	ADP
fsr-3217	21	25	retirement	retirement	NOUN
fsr-3217	21	26	savings	saving	NOUN
fsr-3217	21	27	such	such	ADJ
fsr-3217	21	28	as	as	ADP
fsr-3217	21	29	thousands	thousand	NOUN
fsr-3217	21	30	of	of	ADP
fsr-3217	21	31	new	new	ADJ
fsr-3217	21	32	mutual	mutual	ADJ
fsr-3217	21	33	funds	fund	NOUN
fsr-3217	21	34	,	,	PUNCT
fsr-3217	21	35	exchange	exchange	NOUN
fsr-3217	21	36	traded	trade	VERB
fsr-3217	21	37	funds	fund	NOUN
fsr-3217	21	38	,	,	PUNCT
fsr-3217	21	39	target	target	NOUN
fsr-3217	21	40	date	date	NOUN
fsr-3217	21	41	(	(	PUNCT
fsr-3217	21	42	life	life	NOUN
fsr-3217	21	43	-	-	PUNCT
fsr-3217	21	44	cycle	cycle	NOUN
fsr-3217	21	45	)	)	PUNCT
fsr-3217	21	46	funds	fund	NOUN
fsr-3217	21	47	,	,	PUNCT
fsr-3217	21	48	and	and	CCONJ
fsr-3217	21	49	international	international	ADJ
fsr-3217	21	50	equity	equity	NOUN
fsr-3217	21	51	funds	fund	NOUN
fsr-3217	21	52	.	.	PUNCT
fsr-3217	22	1	there	there	PRON
fsr-3217	22	2	has	have	AUX
fsr-3217	22	3	also	also	ADV
fsr-3217	22	4	been	be	AUX
fsr-3217	22	5	an	an	DET
fsr-3217	22	6	increase	increase	NOUN
fsr-3217	22	7	in	in	ADP
fsr-3217	22	8	the	the	DET
fsr-3217	22	9	number	number	NOUN
fsr-3217	22	10	of	of	ADP
fsr-3217	22	11	non	non	ADJ
fsr-3217	22	12	-	-	ADJ
fsr-3217	22	13	investment	investment	ADJ
fsr-3217	22	14	products	product	NOUN
fsr-3217	22	15	such	such	ADJ
fsr-3217	22	16	as	as	ADP
fsr-3217	22	17	mortgage	mortgage	NOUN
fsr-3217	22	18	loan	loan	NOUN
fsr-3217	22	19	products	product	NOUN
fsr-3217	22	20	(	(	PUNCT
fsr-3217	22	21	i.e.	i.e.	X
fsr-3217	22	22	,	,	PUNCT
fsr-3217	22	23	adjustable	adjustable	ADJ
fsr-3217	22	24	rate	rate	NOUN
fsr-3217	22	25	mortgages	mortgage	NOUN
fsr-3217	22	26	,	,	PUNCT
fsr-3217	22	27	reverse	reverse	ADJ
fsr-3217	22	28	mortgages	mortgage	NOUN
fsr-3217	22	29	,	,	PUNCT
fsr-3217	22	30	and	and	CCONJ
fsr-3217	22	31	interest	interest	NOUN
fsr-3217	22	32	-	-	PUNCT
fsr-3217	22	33	only	only	ADJ
fsr-3217	22	34	mortgages	mortgage	NOUN
fsr-3217	22	35	)	)	PUNCT
fsr-3217	22	36	,	,	PUNCT
fsr-3217	22	37	insurance	insurance	NOUN
fsr-3217	22	38	products	product	NOUN
fsr-3217	22	39	(	(	PUNCT
fsr-3217	22	40	i.e.	i.e.	X
fsr-3217	22	41	,	,	PUNCT
fsr-3217	22	42	universal	universal	ADJ
fsr-3217	22	43	life	life	NOUN
fsr-3217	22	44	insurance	insurance	NOUN
fsr-3217	22	45	,	,	PUNCT
fsr-3217	22	46	annuities	annuity	NOUN
fsr-3217	22	47	)	)	PUNCT
fsr-3217	22	48	,	,	PUNCT
fsr-3217	22	49	and	and	CCONJ
fsr-3217	22	50	personal	personal	ADJ
fsr-3217	22	51	health	health	NOUN
fsr-3217	22	52	insurance	insurance	NOUN
fsr-3217	22	53	products	product	NOUN
fsr-3217	22	54	.	.	PUNCT
fsr-3217	23	1	as	as	SCONJ
fsr-3217	23	2	these	these	DET
fsr-3217	23	3	more	more	ADV
fsr-3217	23	4	complex	complex	ADJ
fsr-3217	23	5	financial	financial	ADJ
fsr-3217	23	6	products	product	NOUN
fsr-3217	23	7	become	become	VERB
fsr-3217	23	8	available	available	ADJ
fsr-3217	23	9	investors	investor	NOUN
fsr-3217	23	10	are	be	AUX
fsr-3217	23	11	more	more	ADV
fsr-3217	23	12	likely	likely	ADJ
fsr-3217	23	13	to	to	PART
fsr-3217	23	14	make	make	VERB
fsr-3217	23	15	non	non	ADJ
fsr-3217	23	16	-	-	ADJ
fsr-3217	23	17	optimal	optimal	ADJ
fsr-3217	23	18	financial	financial	ADJ
fsr-3217	23	19	decisions	decision	NOUN
fsr-3217	23	20	simply	simply	ADV
fsr-3217	23	21	because	because	SCONJ
fsr-3217	23	22	they	they	PRON
fsr-3217	23	23	do	do	AUX
fsr-3217	23	24	not	not	PART
fsr-3217	23	25	understand	understand	VERB
fsr-3217	23	26	the	the	DET
fsr-3217	23	27	financial	financial	ADJ
fsr-3217	23	28	products	product	NOUN
fsr-3217	23	29	they	they	PRON
fsr-3217	23	30	are	be	AUX
fsr-3217	23	31	consuming	consume	VERB
fsr-3217	23	32	or	or	CCONJ
fsr-3217	23	33	how	how	SCONJ
fsr-3217	23	34	to	to	PART
fsr-3217	23	35	manage	manage	VERB
fsr-3217	23	36	risks	risk	NOUN
fsr-3217	23	37	.	.	PUNCT
fsr-3217	24	1	as	as	SCONJ
fsr-3217	24	2	financial	financial	ADJ
fsr-3217	24	3	products	product	NOUN
fsr-3217	24	4	have	have	AUX
fsr-3217	24	5	grown	grow	VERB
fsr-3217	24	6	in	in	ADP
fsr-3217	24	7	complexity	complexity	NOUN
fsr-3217	24	8	the	the	DET
fsr-3217	24	9	importance	importance	NOUN
fsr-3217	24	10	of	of	ADP
fsr-3217	24	11	financial	financial	ADJ
fsr-3217	24	12	literacy	literacy	NOUN
fsr-3217	24	13	in	in	ADP
fsr-3217	24	14	our	our	PRON
fsr-3217	24	15	society	society	NOUN
fsr-3217	24	16	has	have	AUX
fsr-3217	24	17	also	also	ADV
fsr-3217	24	18	grown	grow	VERB
fsr-3217	24	19	.	.	PUNCT
fsr-3217	25	1	several	several	ADJ
fsr-3217	25	2	studies	study	NOUN
fsr-3217	25	3	have	have	AUX
fsr-3217	25	4	considered	consider	VERB
fsr-3217	25	5	how	how	SCONJ
fsr-3217	25	6	financial	financial	ADJ
fsr-3217	25	7	literacy	literacy	NOUN
fsr-3217	25	8	impact	impact	NOUN
fsr-3217	25	9	financial	financial	ADJ
fsr-3217	25	10	decision	decision	NOUN
fsr-3217	25	11	making	making	NOUN
fsr-3217	25	12	and	and	CCONJ
fsr-3217	25	13	the	the	DET
fsr-3217	25	14	well	well	ADV
fsr-3217	25	15	-	-	PUNCT
fsr-3217	25	16	being	being	NOUN
fsr-3217	25	17	of	of	ADP
fsr-3217	25	18	individuals	individual	NOUN
fsr-3217	25	19	.	.	PUNCT
fsr-3217	26	1	for	for	ADP
fsr-3217	26	2	example	example	NOUN
fsr-3217	26	3	,	,	PUNCT
fsr-3217	26	4	campbell	campbell	PROPN
fsr-3217	26	5	(	(	PUNCT
fsr-3217	26	6	2006	2006	NUM
fsr-3217	26	7	)	)	PUNCT
fsr-3217	26	8	,	,	PUNCT
fsr-3217	26	9	in	in	ADP
fsr-3217	26	10	a	a	DET
fsr-3217	26	11	study	study	NOUN
fsr-3217	26	12	of	of	ADP
fsr-3217	26	13	household	household	NOUN
fsr-3217	26	14	finance	finance	NOUN
fsr-3217	26	15	,	,	PUNCT
fsr-3217	26	16	finds	find	VERB
fsr-3217	26	17	that	that	SCONJ
fsr-3217	26	18	poorer	poor	ADJ
fsr-3217	26	19	and	and	CCONJ
fsr-3217	26	20	less	less	ADV
fsr-3217	26	21	educated	educated	ADJ
fsr-3217	26	22	households	household	NOUN
fsr-3217	26	23	having	have	VERB
fsr-3217	26	24	lower	low	ADJ
fsr-3217	26	25	financial	financial	ADJ
fsr-3217	26	26	literacy	literacy	NOUN
fsr-3217	26	27	levels	level	NOUN
fsr-3217	26	28	are	be	AUX
fsr-3217	26	29	more	more	ADV
fsr-3217	26	30	likely	likely	ADJ
fsr-3217	26	31	to	to	PART
fsr-3217	26	32	make	make	VERB
fsr-3217	26	33	investment	investment	NOUN
fsr-3217	26	34	mistakes	mistake	NOUN
fsr-3217	26	35	when	when	SCONJ
fsr-3217	26	36	making	make	VERB
fsr-3217	26	37	financial	financial	ADJ
fsr-3217	26	38	decisions	decision	NOUN
fsr-3217	26	39	,	,	PUNCT
fsr-3217	26	40	and	and	CCONJ
fsr-3217	26	41	the	the	DET
fsr-3217	26	42	presence	presence	NOUN
fsr-3217	26	43	of	of	ADP
fsr-3217	26	44	these	these	DET
fsr-3217	26	45	types	type	NOUN
fsr-3217	26	46	of	of	ADP
fsr-3217	26	47	households	household	NOUN
fsr-3217	26	48	may	may	AUX
fsr-3217	26	49	inhibit	inhibit	VERB
fsr-3217	26	50	complex	complex	ADJ
fsr-3217	26	51	financial	financial	ADJ
fsr-3217	26	52	innovation	innovation	NOUN
fsr-3217	26	53	.	.	PUNCT
fsr-3217	27	1	klapper	klapper	NOUN
fsr-3217	27	2	,	,	PUNCT
fsr-3217	27	3	lusardi	lusardi	NOUN
fsr-3217	27	4	,	,	PUNCT
fsr-3217	27	5	and	and	CCONJ
fsr-3217	27	6	panos	panos	PROPN
fsr-3217	27	7	(	(	PUNCT
fsr-3217	27	8	2013	2013	NUM
fsr-3217	27	9	)	)	PUNCT
fsr-3217	27	10	find	find	VERB
fsr-3217	27	11	that	that	SCONJ
fsr-3217	27	12	financial	financial	ADJ
fsr-3217	27	13	literacy	literacy	NOUN
fsr-3217	27	14	is	be	AUX
fsr-3217	27	15	positively	positively	ADV
fsr-3217	27	16	related	relate	VERB
fsr-3217	27	17	to	to	ADP
fsr-3217	27	18	participating	participate	VERB
fsr-3217	27	19	in	in	ADP
fsr-3217	27	20	financial	financial	ADJ
fsr-3217	27	21	markets	market	NOUN
fsr-3217	27	22	and	and	CCONJ
fsr-3217	27	23	negatively	negatively	ADV
fsr-3217	27	24	related	relate	VERB
fsr-3217	27	25	to	to	ADP
fsr-3217	27	26	the	the	DET
fsr-3217	27	27	use	use	NOUN
fsr-3217	27	28	of	of	ADP
fsr-3217	27	29	informal	informal	ADJ
fsr-3217	27	30	sources	source	NOUN
fsr-3217	27	31	of	of	ADP
fsr-3217	27	32	borrowing	borrowing	NOUN
fsr-3217	27	33	,	,	PUNCT
fsr-3217	27	34	and	and	CCONJ
fsr-3217	27	35	that	that	SCONJ
fsr-3217	27	36	individuals	individual	NOUN
fsr-3217	27	37	with	with	ADP
fsr-3217	27	38	higher	high	ADJ
fsr-3217	27	39	levels	level	NOUN
fsr-3217	27	40	of	of	ADP
fsr-3217	27	41	financial	financial	ADJ
fsr-3217	27	42	literacy	literacy	NOUN
fsr-3217	27	43	and	and	CCONJ
fsr-3217	27	44	unspent	unspent	ADJ
fsr-3217	27	45	income	income	NOUN
fsr-3217	27	46	are	be	AUX
fsr-3217	27	47	better	well	ADJ
fsr-3217	27	48	able	able	ADJ
fsr-3217	27	49	to	to	PART
fsr-3217	27	50	deal	deal	VERB
fsr-3217	27	51	with	with	ADP
fsr-3217	27	52	macroeconomic	macroeconomic	ADJ
fsr-3217	27	53	shocks	shock	NOUN
fsr-3217	27	54	.	.	PUNCT
fsr-3217	28	1	other	other	ADJ
fsr-3217	28	2	research	research	NOUN
fsr-3217	28	3	has	have	AUX
fsr-3217	28	4	shown	show	VERB
fsr-3217	28	5	that	that	SCONJ
fsr-3217	28	6	financial	financial	ADJ
fsr-3217	28	7	literacy	literacy	NOUN
fsr-3217	28	8	leads	lead	VERB
fsr-3217	28	9	to	to	ADP
fsr-3217	28	10	higher	high	ADJ
fsr-3217	28	11	portfolio	portfolio	NOUN
fsr-3217	28	12	returns	return	NOUN
fsr-3217	28	13	(	(	PUNCT
fsr-3217	28	14	calvet	calvet	NOUN
fsr-3217	28	15	,	,	PUNCT
fsr-3217	28	16	campbell	campbell	PROPN
fsr-3217	28	17	,	,	PUNCT
fsr-3217	28	18	and	and	CCONJ
fsr-3217	28	19	sodini	sodini	PROPN
fsr-3217	28	20	,	,	PUNCT
fsr-3217	28	21	2009	2009	NUM
fsr-3217	28	22	)	)	PUNCT
fsr-3217	28	23	,	,	PUNCT
fsr-3217	28	24	greater	great	ADJ
fsr-3217	28	25	wealth	wealth	NOUN
fsr-3217	28	26	and	and	CCONJ
fsr-3217	28	27	probability	probability	NOUN
fsr-3217	28	28	of	of	ADP
fsr-3217	28	29	investing	invest	VERB
fsr-3217	28	30	in	in	ADP
fsr-3217	28	31	stocks	stock	NOUN
fsr-3217	28	32	(	(	PUNCT
fsr-3217	28	33	van	van	PROPN
fsr-3217	28	34	rooij	rooij	NOUN
fsr-3217	28	35	,	,	PUNCT
fsr-3217	28	36	lusardi	lusardi	NOUN
fsr-3217	28	37	,	,	PUNCT
fsr-3217	28	38	and	and	CCONJ
fsr-3217	28	39	alessie	alessie	ADJ
fsr-3217	28	40	,	,	PUNCT
fsr-3217	28	41	2011	2011	NUM
fsr-3217	28	42	)	)	PUNCT
fsr-3217	28	43	,	,	PUNCT
fsr-3217	28	44	better	well	ADJ
fsr-3217	28	45	retirement	retirement	NOUN
fsr-3217	28	46	planning	planning	NOUN
fsr-3217	28	47	(	(	PUNCT
fsr-3217	28	48	lusardi	lusardi	PROPN
fsr-3217	28	49	and	and	CCONJ
fsr-3217	28	50	mitchell	mitchell	PROPN
fsr-3217	28	51	,	,	PUNCT
fsr-3217	28	52	2007a	2007a	NUM
fsr-3217	28	53	,	,	PUNCT
fsr-3217	28	54	2007b	2007b	NUM
fsr-3217	28	55	)	)	PUNCT
fsr-3217	28	56	,	,	PUNCT
fsr-3217	28	57	and	and	CCONJ
fsr-3217	28	58	lower	low	ADJ
fsr-3217	28	59	cost	cost	NOUN
fsr-3217	28	60	of	of	ADP
fsr-3217	28	61	borrowing	borrowing	NOUN
fsr-3217	28	62	(	(	PUNCT
fsr-3217	28	63	huston	huston	PROPN
fsr-3217	28	64	,	,	PUNCT
fsr-3217	28	65	2012	2012	NUM
fsr-3217	28	66	)	)	PUNCT
fsr-3217	28	67	.	.	PUNCT
fsr-3217	29	1	on	on	ADP
fsr-3217	29	2	the	the	DET
fsr-3217	29	3	other	other	ADJ
fsr-3217	29	4	hand	hand	NOUN
fsr-3217	29	5	,	,	PUNCT
fsr-3217	29	6	lower	low	ADJ
fsr-3217	29	7	financial	financial	ADJ
fsr-3217	29	8	literacy	literacy	NOUN
fsr-3217	29	9	levels	level	NOUN
fsr-3217	29	10	lead	lead	VERB
fsr-3217	29	11	to	to	ADP
fsr-3217	29	12	higher	high	ADJ
fsr-3217	29	13	mortgage	mortgage	NOUN
fsr-3217	29	14	costs	cost	NOUN
fsr-3217	29	15	(	(	PUNCT
fsr-3217	29	16	moore	moore	PROPN
fsr-3217	29	17	,	,	PUNCT
fsr-3217	29	18	2003	2003	NUM
fsr-3217	29	19	)	)	PUNCT
fsr-3217	29	20	,	,	PUNCT
fsr-3217	29	21	excessive	excessive	ADJ
fsr-3217	29	22	financial	financial	ADJ
fsr-3217	29	23	burden	burden	NOUN
fsr-3217	29	24	because	because	SCONJ
fsr-3217	29	25	of	of	ADP
fsr-3217	29	26	debt	debt	NOUN
fsr-3217	29	27	(	(	PUNCT
fsr-3217	29	28	gathergood	gathergood	NOUN
fsr-3217	29	29	,	,	PUNCT
fsr-3217	29	30	2012	2012	NUM
fsr-3217	29	31	)	)	PUNCT
fsr-3217	29	32	,	,	PUNCT
fsr-3217	29	33	and	and	CCONJ
fsr-3217	29	34	other	other	ADJ
fsr-3217	29	35	debt	debt	NOUN
fsr-3217	29	36	related	relate	VERB
fsr-3217	29	37	problems	problem	NOUN
fsr-3217	29	38	(	(	PUNCT
fsr-3217	29	39	lusardi	lusardi	NOUN
fsr-3217	29	40	and	and	CCONJ
fsr-3217	29	41	tufano	tufano	ADJ
fsr-3217	29	42	,	,	PUNCT
fsr-3217	29	43	2009	2009	NUM
fsr-3217	29	44	)	)	PUNCT
fsr-3217	29	45	.	.	PUNCT
fsr-3217	30	1	in	in	ADP
fsr-3217	30	2	summary	summary	NOUN
fsr-3217	30	3	,	,	PUNCT
fsr-3217	30	4	all	all	DET
fsr-3217	30	5	prior	prior	ADJ
fsr-3217	30	6	literature	literature	NOUN
fsr-3217	30	7	agree	agree	VERB
fsr-3217	30	8	that	that	SCONJ
fsr-3217	30	9	improving	improve	VERB
fsr-3217	30	10	financial	financial	ADJ
fsr-3217	30	11	literacy	literacy	NOUN
fsr-3217	30	12	can	can	AUX
fsr-3217	30	13	lead	lead	VERB
fsr-3217	30	14	to	to	ADP
fsr-3217	30	15	better	well	ADJ
fsr-3217	30	16	outcomes	outcome	NOUN
fsr-3217	30	17	for	for	ADP
fsr-3217	30	18	both	both	DET
fsr-3217	30	19	individuals	individual	NOUN
fsr-3217	30	20	,	,	PUNCT
fsr-3217	30	21	households	household	NOUN
fsr-3217	30	22	,	,	PUNCT
fsr-3217	30	23	and	and	CCONJ
fsr-3217	30	24	the	the	DET
fsr-3217	30	25	entire	entire	ADJ
fsr-3217	30	26	economic	economic	ADJ
fsr-3217	30	27	system	system	NOUN
fsr-3217	30	28	.	.	PUNCT
fsr-3217	31	1	to	to	PART
fsr-3217	31	2	compensate	compensate	VERB
fsr-3217	31	3	for	for	ADP
fsr-3217	31	4	lower	low	ADJ
fsr-3217	31	5	levels	level	NOUN
fsr-3217	31	6	of	of	ADP
fsr-3217	31	7	financial	financial	ADJ
fsr-3217	31	8	literacy	literacy	NOUN
fsr-3217	31	9	,	,	PUNCT
fsr-3217	31	10	individuals	individual	NOUN
fsr-3217	31	11	have	have	VERB
fsr-3217	31	12	the	the	DET
fsr-3217	31	13	option	option	NOUN
fsr-3217	31	14	to	to	PART
fsr-3217	31	15	seek	seek	VERB
fsr-3217	31	16	out	out	ADP
fsr-3217	31	17	expert	expert	ADJ
fsr-3217	31	18	financial	financial	ADJ
fsr-3217	31	19	advice	advice	NOUN
fsr-3217	31	20	from	from	ADP
fsr-3217	31	21	professional	professional	ADJ
fsr-3217	31	22	advisers	adviser	NOUN
fsr-3217	31	23	who	who	PRON
fsr-3217	31	24	will	will	AUX
fsr-3217	31	25	assist	assist	VERB
fsr-3217	31	26	them	they	PRON
fsr-3217	31	27	in	in	ADP
fsr-3217	31	28	making	make	VERB
fsr-3217	31	29	complex	complex	ADJ
fsr-3217	31	30	financial	financial	ADJ
fsr-3217	31	31	decisions	decision	NOUN
fsr-3217	31	32	.	.	PUNCT
fsr-3217	32	1	for	for	ADP
fsr-3217	32	2	example	example	NOUN
fsr-3217	32	3	,	,	PUNCT
fsr-3217	32	4	winchester	winchester	PROPN
fsr-3217	32	5	and	and	CCONJ
fsr-3217	32	6	huston	huston	PROPN
fsr-3217	32	7	(	(	PUNCT
fsr-3217	32	8	2014	2014	NUM
fsr-3217	32	9	)	)	PUNCT
fsr-3217	32	10	,	,	PUNCT
fsr-3217	32	11	using	use	VERB
fsr-3217	32	12	the	the	DET
fsr-3217	32	13	theory	theory	NOUN
fsr-3217	32	14	of	of	ADP
fsr-3217	32	15	planned	plan	VERB
fsr-3217	32	16	behavior	behavior	NOUN
fsr-3217	32	17	,	,	PUNCT
fsr-3217	32	18	find	find	VERB
fsr-3217	32	19	that	that	SCONJ
fsr-3217	32	20	low	low	ADJ
fsr-3217	32	21	control	control	NOUN
fsr-3217	32	22	beliefs	belief	NOUN
fsr-3217	32	23	are	be	AUX
fsr-3217	32	24	significantly	significantly	ADV
fsr-3217	32	25	associated	associate	VERB
fsr-3217	32	26	with	with	ADP
fsr-3217	32	27	lower	low	ADJ
fsr-3217	32	28	financial	financial	ADJ
fsr-3217	32	29	-	-	PUNCT
fsr-3217	32	30	goal	goal	NOUN
fsr-3217	32	31	progress	progress	NOUN
fsr-3217	32	32	,	,	PUNCT
fsr-3217	32	33	however	however	ADV
fsr-3217	32	34	,	,	PUNCT
fsr-3217	32	35	receiving	receive	VERB
fsr-3217	32	36	expert	expert	ADJ
fsr-3217	32	37	financial	financial	ADJ
fsr-3217	32	38	advice	advice	NOUN
fsr-3217	32	39	can	can	AUX
fsr-3217	32	40	help	help	VERB
fsr-3217	32	41	reduce	reduce	VERB
fsr-3217	32	42	this	this	DET
fsr-3217	32	43	negative	negative	ADJ
fsr-3217	32	44	effect	effect	NOUN
fsr-3217	32	45	and	and	CCONJ
fsr-3217	32	46	actually	actually	ADV
fsr-3217	32	47	result	result	VERB
fsr-3217	32	48	in	in	ADP
fsr-3217	32	49	higher	high	ADJ
fsr-3217	32	50	levels	level	NOUN
fsr-3217	32	51	of	of	ADP
fsr-3217	32	52	goal	goal	NOUN
fsr-3217	32	53	progress	progress	NOUN
fsr-3217	32	54	compared	compare	VERB
fsr-3217	32	55	with	with	ADP
fsr-3217	32	56	individuals	individual	NOUN
fsr-3217	32	57	having	have	VERB
fsr-3217	32	58	high	high	ADJ
fsr-3217	32	59	control	control	NOUN
fsr-3217	32	60	beliefs	belief	NOUN
fsr-3217	32	61	that	that	PRON
fsr-3217	32	62	receive	receive	VERB
fsr-3217	32	63	no	no	DET
fsr-3217	32	64	expert	expert	ADJ
fsr-3217	32	65	financial	financial	ADJ
fsr-3217	32	66	advice	advice	NOUN
fsr-3217	32	67	.	.	PUNCT
fsr-3217	33	1	however	however	ADV
fsr-3217	33	2	,	,	PUNCT
fsr-3217	33	3	we	we	PRON
fsr-3217	33	4	can	can	AUX
fsr-3217	33	5	not	not	PART
fsr-3217	33	6	assume	assume	VERB
fsr-3217	33	7	that	that	SCONJ
fsr-3217	33	8	everyone	everyone	PRON
fsr-3217	33	9	using	use	VERB
fsr-3217	33	10	financial	financial	ADJ
fsr-3217	33	11	advisers	adviser	NOUN
fsr-3217	33	12	have	have	VERB
fsr-3217	33	13	lower	low	ADJ
fsr-3217	33	14	levels	level	NOUN
fsr-3217	33	15	of	of	ADP
fsr-3217	33	16	financial	financial	ADJ
fsr-3217	33	17	literacy	literacy	NOUN
fsr-3217	33	18	.	.	PUNCT
fsr-3217	34	1	it	it	PRON
fsr-3217	34	2	is	be	AUX
fsr-3217	34	3	certainly	certainly	ADV
fsr-3217	34	4	possible	possible	ADJ
fsr-3217	34	5	that	that	SCONJ
fsr-3217	34	6	many	many	ADJ
fsr-3217	34	7	individuals	individual	NOUN
fsr-3217	34	8	that	that	PRON
fsr-3217	34	9	use	use	VERB
fsr-3217	34	10	financial	financial	ADJ
fsr-3217	34	11	advisers	adviser	NOUN
fsr-3217	34	12	already	already	ADV
fsr-3217	34	13	have	have	VERB
fsr-3217	34	14	high	high	ADJ
fsr-3217	34	15	levels	level	NOUN
fsr-3217	34	16	128	128	NUM
fsr-3217	34	17	b.	b.	PROPN
fsr-3217	34	18	balasubramnian	balasubramnian	PROPN
fsr-3217	34	19	,	,	PUNCT
fsr-3217	34	20	e.r	e.r	PROPN
fsr-3217	34	21	.	.	NOUN
fsr-3217	34	22	brisker	brisk	ADJ
fsr-3217	34	23	/	/	SYM
fsr-3217	34	24	financial	financial	ADJ
fsr-3217	34	25	services	service	NOUN
fsr-3217	34	26	review	review	VERB
fsr-3217	34	27	25	25	NUM
fsr-3217	34	28	(	(	PUNCT
fsr-3217	34	29	2016	2016	NUM
fsr-3217	34	30	)	)	PUNCT
fsr-3217	34	31	127–155	127–155	NUM
fsr-3217	34	32	of	of	ADP
fsr-3217	34	33	education	education	NOUN
fsr-3217	34	34	and	and	CCONJ
fsr-3217	34	35	financial	financial	ADJ
fsr-3217	34	36	literacy	literacy	NOUN
fsr-3217	34	37	,	,	PUNCT
fsr-3217	34	38	but	but	CCONJ
fsr-3217	34	39	are	be	AUX
fsr-3217	34	40	not	not	PART
fsr-3217	34	41	able	able	ADJ
fsr-3217	34	42	to	to	PART
fsr-3217	34	43	stay	stay	VERB
fsr-3217	34	44	informed	informed	ADJ
fsr-3217	34	45	about	about	ADP
fsr-3217	34	46	new	new	ADJ
fsr-3217	34	47	financial	financial	ADJ
fsr-3217	34	48	products	product	NOUN
fsr-3217	34	49	or	or	CCONJ
fsr-3217	34	50	strategies	strategy	NOUN
fsr-3217	34	51	on	on	ADP
fsr-3217	34	52	their	their	PRON
fsr-3217	34	53	own	own	ADJ
fsr-3217	34	54	.	.	PUNCT
fsr-3217	35	1	black	black	ADJ
fsr-3217	35	2	,	,	PUNCT
fsr-3217	35	3	ciccotello	ciccotello	PROPN
fsr-3217	35	4	,	,	PUNCT
fsr-3217	35	5	and	and	CCONJ
fsr-3217	35	6	skipper	skipper	PROPN
fsr-3217	35	7	(	(	PUNCT
fsr-3217	35	8	2002	2002	NUM
fsr-3217	35	9	)	)	PUNCT
fsr-3217	35	10	propose	propose	VERB
fsr-3217	35	11	two	two	NUM
fsr-3217	35	12	personal	personal	ADJ
fsr-3217	35	13	financial	financial	ADJ
fsr-3217	35	14	advising	advise	VERB
fsr-3217	35	15	delivery	delivery	NOUN
fsr-3217	35	16	models	model	NOUN
fsr-3217	35	17	that	that	PRON
fsr-3217	35	18	are	be	AUX
fsr-3217	35	19	based	base	VERB
fsr-3217	35	20	on	on	ADP
fsr-3217	35	21	portfolio	portfolio	NOUN
fsr-3217	35	22	theory	theory	NOUN
fsr-3217	35	23	.	.	PUNCT
fsr-3217	36	1	in	in	ADP
fsr-3217	36	2	the	the	DET
fsr-3217	36	3	first	first	ADJ
fsr-3217	36	4	model	model	NOUN
fsr-3217	36	5	,	,	PUNCT
fsr-3217	36	6	known	know	VERB
fsr-3217	36	7	as	as	ADP
fsr-3217	36	8	the	the	DET
fsr-3217	36	9	“	"	PUNCT
fsr-3217	36	10	specialist	specialist	ADJ
fsr-3217	36	11	model	model	NOUN
fsr-3217	36	12	,	,	PUNCT
fsr-3217	36	13	”	"	PUNCT
fsr-3217	36	14	the	the	DET
fsr-3217	36	15	financial	financial	ADJ
fsr-3217	36	16	consumer	consumer	NOUN
fsr-3217	36	17	,	,	PUNCT
fsr-3217	36	18	or	or	CCONJ
fsr-3217	36	19	household	household	NOUN
fsr-3217	36	20	,	,	PUNCT
fsr-3217	36	21	works	work	VERB
fsr-3217	36	22	directly	directly	ADV
fsr-3217	36	23	with	with	ADP
fsr-3217	36	24	multiple	multiple	ADJ
fsr-3217	36	25	types	type	NOUN
fsr-3217	36	26	of	of	ADP
fsr-3217	36	27	financial	financial	ADJ
fsr-3217	36	28	advisers	adviser	NOUN
fsr-3217	36	29	such	such	ADJ
fsr-3217	36	30	as	as	ADP
fsr-3217	36	31	a	a	DET
fsr-3217	36	32	debt	debt	NOUN
fsr-3217	36	33	counselor	counselor	NOUN
fsr-3217	36	34	,	,	PUNCT
fsr-3217	36	35	investment	investment	NOUN
fsr-3217	36	36	adviser	adviser	NOUN
fsr-3217	36	37	,	,	PUNCT
fsr-3217	36	38	mortgage	mortgage	NOUN
fsr-3217	36	39	or	or	CCONJ
fsr-3217	36	40	loan	loan	NOUN
fsr-3217	36	41	counselor	counselor	NOUN
fsr-3217	36	42	,	,	PUNCT
fsr-3217	36	43	insurance	insurance	NOUN
fsr-3217	36	44	agent	agent	NOUN
fsr-3217	36	45	,	,	PUNCT
fsr-3217	36	46	and	and	CCONJ
fsr-3217	36	47	tax	tax	NOUN
fsr-3217	36	48	planner	planner	NOUN
fsr-3217	36	49	.	.	PUNCT
fsr-3217	37	1	in	in	ADP
fsr-3217	37	2	the	the	DET
fsr-3217	37	3	second	second	ADJ
fsr-3217	37	4	model	model	NOUN
fsr-3217	37	5	,	,	PUNCT
fsr-3217	37	6	known	know	VERB
fsr-3217	37	7	as	as	ADP
fsr-3217	37	8	the	the	DET
fsr-3217	37	9	“	"	PUNCT
fsr-3217	37	10	planner	planner	NOUN
fsr-3217	37	11	model	model	NOUN
fsr-3217	37	12	,	,	PUNCT
fsr-3217	37	13	”	"	PUNCT
fsr-3217	37	14	the	the	DET
fsr-3217	37	15	financial	financial	ADJ
fsr-3217	37	16	consumer	consumer	NOUN
fsr-3217	37	17	,	,	PUNCT
fsr-3217	37	18	or	or	CCONJ
fsr-3217	37	19	household	household	NOUN
fsr-3217	37	20	,	,	PUNCT
fsr-3217	37	21	works	work	VERB
fsr-3217	37	22	directly	directly	ADV
fsr-3217	37	23	with	with	ADP
fsr-3217	37	24	a	a	DET
fsr-3217	37	25	single	single	ADJ
fsr-3217	37	26	financial	financial	ADJ
fsr-3217	37	27	adviser	adviser	NOUN
fsr-3217	37	28	,	,	PUNCT
fsr-3217	37	29	and	and	CCONJ
fsr-3217	37	30	this	this	DET
fsr-3217	37	31	financial	financial	ADJ
fsr-3217	37	32	adviser	adviser	NOUN
fsr-3217	37	33	acts	act	VERB
fsr-3217	37	34	as	as	ADP
fsr-3217	37	35	the	the	DET
fsr-3217	37	36	intermediary	intermediary	NOUN
fsr-3217	37	37	between	between	ADP
fsr-3217	37	38	the	the	DET
fsr-3217	37	39	consumer	consumer	NOUN
fsr-3217	37	40	and	and	CCONJ
fsr-3217	37	41	the	the	DET
fsr-3217	37	42	relevant	relevant	ADJ
fsr-3217	37	43	financial	financial	ADJ
fsr-3217	37	44	adviser	adviser	NOUN
fsr-3217	37	45	specialists	specialist	NOUN
fsr-3217	37	46	.	.	PUNCT
fsr-3217	38	1	the	the	DET
fsr-3217	38	2	consumer	consumer	NOUN
fsr-3217	38	3	’s	’s	PART
fsr-3217	38	4	choice	choice	NOUN
fsr-3217	38	5	between	between	ADP
fsr-3217	38	6	these	these	DET
fsr-3217	38	7	two	two	NUM
fsr-3217	38	8	models	model	NOUN
fsr-3217	38	9	depends	depend	VERB
fsr-3217	38	10	on	on	ADP
fsr-3217	38	11	the	the	DET
fsr-3217	38	12	amount	amount	NOUN
fsr-3217	38	13	and	and	CCONJ
fsr-3217	38	14	type	type	NOUN
fsr-3217	38	15	of	of	ADP
fsr-3217	38	16	financial	financial	ADJ
fsr-3217	38	17	advice	advice	NOUN
fsr-3217	38	18	they	they	PRON
fsr-3217	38	19	are	be	AUX
fsr-3217	38	20	seeking	seek	VERB
fsr-3217	38	21	.	.	PUNCT
fsr-3217	39	1	as	as	SCONJ
fsr-3217	39	2	both	both	PRON
fsr-3217	39	3	of	of	ADP
fsr-3217	39	4	these	these	DET
fsr-3217	39	5	models	model	NOUN
fsr-3217	39	6	use	use	VERB
fsr-3217	39	7	financial	financial	ADJ
fsr-3217	39	8	advisers	adviser	NOUN
fsr-3217	39	9	,	,	PUNCT
fsr-3217	39	10	it	it	PRON
fsr-3217	39	11	is	be	AUX
fsr-3217	39	12	important	important	ADJ
fsr-3217	39	13	to	to	PART
fsr-3217	39	14	understand	understand	VERB
fsr-3217	39	15	not	not	PART
fsr-3217	39	16	only	only	ADV
fsr-3217	39	17	who	who	PRON
fsr-3217	39	18	uses	use	VERB
fsr-3217	39	19	financial	financial	ADJ
fsr-3217	39	20	advisers	adviser	NOUN
fsr-3217	39	21	,	,	PUNCT
fsr-3217	39	22	but	but	CCONJ
fsr-3217	39	23	also	also	ADV
fsr-3217	39	24	what	what	DET
fsr-3217	39	25	specific	specific	ADJ
fsr-3217	39	26	types	type	NOUN
fsr-3217	39	27	of	of	ADP
fsr-3217	39	28	financial	financial	ADJ
fsr-3217	39	29	advisers	adviser	NOUN
fsr-3217	39	30	they	they	PRON
fsr-3217	39	31	are	be	AUX
fsr-3217	39	32	using	use	VERB
fsr-3217	39	33	.	.	PUNCT
fsr-3217	40	1	in	in	ADP
fsr-3217	40	2	2012	2012	NUM
fsr-3217	40	3	,	,	PUNCT
fsr-3217	40	4	finra	finra	PROPN
fsr-3217	40	5	investor	investor	PROPN
fsr-3217	40	6	education	education	PROPN
fsr-3217	40	7	foundation	foundation	NOUN
fsr-3217	40	8	conducted	conduct	VERB
fsr-3217	40	9	a	a	DET
fsr-3217	40	10	national	national	ADJ
fsr-3217	40	11	financial	financial	ADJ
fsr-3217	40	12	capability	capability	NOUN
fsr-3217	40	13	study	study	NOUN
fsr-3217	40	14	.	.	PUNCT
fsr-3217	41	1	this	this	DET
fsr-3217	41	2	national	national	ADJ
fsr-3217	41	3	survey	survey	NOUN
fsr-3217	41	4	collected	collect	VERB
fsr-3217	41	5	data	datum	NOUN
fsr-3217	41	6	on	on	ADP
fsr-3217	41	7	demographic	demographic	ADJ
fsr-3217	41	8	characteristics	characteristic	NOUN
fsr-3217	41	9	of	of	ADP
fsr-3217	41	10	each	each	DET
fsr-3217	41	11	survey	survey	NOUN
fsr-3217	41	12	participant	participant	NOUN
fsr-3217	41	13	regarding	regard	VERB
fsr-3217	41	14	gender	gender	NOUN
fsr-3217	41	15	,	,	PUNCT
fsr-3217	41	16	age	age	NOUN
fsr-3217	41	17	,	,	PUNCT
fsr-3217	41	18	ethnicity	ethnicity	NOUN
fsr-3217	41	19	,	,	PUNCT
fsr-3217	41	20	education	education	NOUN
fsr-3217	41	21	level	level	NOUN
fsr-3217	41	22	,	,	PUNCT
fsr-3217	41	23	marital	marital	ADJ
fsr-3217	41	24	status	status	NOUN
fsr-3217	41	25	,	,	PUNCT
fsr-3217	41	26	income	income	NOUN
fsr-3217	41	27	level	level	NOUN
fsr-3217	41	28	,	,	PUNCT
fsr-3217	41	29	employment	employment	NOUN
fsr-3217	41	30	status	status	NOUN
fsr-3217	41	31	,	,	PUNCT
fsr-3217	41	32	and	and	CCONJ
fsr-3217	41	33	the	the	DET
fsr-3217	41	34	region	region	NOUN
fsr-3217	41	35	they	they	PRON
fsr-3217	41	36	live	live	VERB
fsr-3217	41	37	in	in	ADP
fsr-3217	41	38	within	within	ADP
fsr-3217	41	39	the	the	DET
fsr-3217	41	40	continental	continental	PROPN
fsr-3217	41	41	united	united	PROPN
fsr-3217	41	42	states	states	PROPN
fsr-3217	41	43	.	.	PUNCT
fsr-3217	42	1	the	the	DET
fsr-3217	42	2	survey	survey	NOUN
fsr-3217	42	3	also	also	ADV
fsr-3217	42	4	asks	ask	VERB
fsr-3217	42	5	if	if	SCONJ
fsr-3217	42	6	the	the	DET
fsr-3217	42	7	individual	individual	NOUN
fsr-3217	42	8	has	have	AUX
fsr-3217	42	9	ever	ever	ADV
fsr-3217	42	10	received	receive	VERB
fsr-3217	42	11	a	a	DET
fsr-3217	42	12	financial	financial	ADJ
fsr-3217	42	13	education	education	NOUN
fsr-3217	42	14	from	from	ADP
fsr-3217	42	15	high	high	ADJ
fsr-3217	42	16	school	school	NOUN
fsr-3217	42	17	,	,	PUNCT
fsr-3217	42	18	college	college	NOUN
fsr-3217	42	19	,	,	PUNCT
fsr-3217	42	20	an	an	DET
fsr-3217	42	21	employer	employer	NOUN
fsr-3217	42	22	,	,	PUNCT
fsr-3217	42	23	or	or	CCONJ
fsr-3217	42	24	from	from	ADP
fsr-3217	42	25	the	the	DET
fsr-3217	42	26	military	military	NOUN
fsr-3217	42	27	,	,	PUNCT
fsr-3217	42	28	and	and	CCONJ
fsr-3217	42	29	if	if	SCONJ
fsr-3217	42	30	the	the	DET
fsr-3217	42	31	respondent	respondent	NOUN
fsr-3217	42	32	has	have	AUX
fsr-3217	42	33	used	use	VERB
fsr-3217	42	34	a	a	DET
fsr-3217	42	35	specific	specific	ADJ
fsr-3217	42	36	type	type	NOUN
fsr-3217	42	37	of	of	ADP
fsr-3217	42	38	financial	financial	ADJ
fsr-3217	42	39	adviser	adviser	NOUN
fsr-3217	42	40	.	.	PUNCT
fsr-3217	43	1	the	the	DET
fsr-3217	43	2	five	five	NUM
fsr-3217	43	3	specific	specific	ADJ
fsr-3217	43	4	types	type	NOUN
fsr-3217	43	5	of	of	ADP
fsr-3217	43	6	financial	financial	ADJ
fsr-3217	43	7	advisers	adviser	NOUN
fsr-3217	43	8	included	include	VERB
fsr-3217	43	9	were	be	AUX
fsr-3217	43	10	debt	debt	NOUN
fsr-3217	43	11	counseling	counseling	NOUN
fsr-3217	43	12	,	,	PUNCT
fsr-3217	43	13	savings	saving	NOUN
fsr-3217	43	14	or	or	CCONJ
fsr-3217	43	15	investments	investment	NOUN
fsr-3217	43	16	,	,	PUNCT
fsr-3217	43	17	mortgage	mortgage	NOUN
fsr-3217	43	18	or	or	CCONJ
fsr-3217	43	19	loan	loan	NOUN
fsr-3217	43	20	,	,	PUNCT
fsr-3217	43	21	insurance	insurance	NOUN
fsr-3217	43	22	,	,	PUNCT
fsr-3217	43	23	and	and	CCONJ
fsr-3217	43	24	tax	tax	NOUN
fsr-3217	43	25	planning	planning	NOUN
fsr-3217	43	26	.	.	PUNCT
fsr-3217	44	1	the	the	DET
fsr-3217	44	2	survey	survey	NOUN
fsr-3217	44	3	also	also	ADV
fsr-3217	44	4	asks	ask	VERB
fsr-3217	44	5	five	five	NUM
fsr-3217	44	6	questions	question	NOUN
fsr-3217	44	7	designed	design	VERB
fsr-3217	44	8	by	by	ADP
fsr-3217	44	9	annamaria	annamaria	PROPN
fsr-3217	44	10	lusardi	lusardi	PROPN
fsr-3217	44	11	and	and	CCONJ
fsr-3217	44	12	olivia	olivia	PROPN
fsr-3217	44	13	s.	s.	PROPN
fsr-3217	44	14	mitchell	mitchell	PROPN
fsr-3217	44	15	to	to	PART
fsr-3217	44	16	assess	assess	VERB
fsr-3217	44	17	the	the	DET
fsr-3217	44	18	financial	financial	ADJ
fsr-3217	44	19	literacy	literacy	NOUN
fsr-3217	44	20	of	of	ADP
fsr-3217	44	21	the	the	DET
fsr-3217	44	22	survey	survey	NOUN
fsr-3217	44	23	respondents	respondent	NOUN
fsr-3217	44	24	(	(	PUNCT
fsr-3217	44	25	see	see	VERB
fsr-3217	44	26	table	table	NOUN
fsr-3217	44	27	1	1	NUM
fsr-3217	44	28	and	and	CCONJ
fsr-3217	44	29	appendix	appendix	VERB
fsr-3217	44	30	a	a	PRON
fsr-3217	44	31	for	for	ADP
fsr-3217	44	32	a	a	DET
fsr-3217	44	33	list	list	NOUN
fsr-3217	44	34	of	of	ADP
fsr-3217	44	35	these	these	DET
fsr-3217	44	36	questions	question	NOUN
fsr-3217	44	37	)	)	PUNCT
fsr-3217	44	38	.	.	PUNCT
fsr-3217	45	1	in	in	ADP
fsr-3217	45	2	determining	determine	VERB
fsr-3217	45	3	who	who	PRON
fsr-3217	45	4	uses	use	VERB
fsr-3217	45	5	financial	financial	ADJ
fsr-3217	45	6	advisers	adviser	NOUN
fsr-3217	45	7	,	,	PUNCT
fsr-3217	45	8	we	we	PRON
fsr-3217	45	9	find	find	VERB
fsr-3217	45	10	that	that	SCONJ
fsr-3217	45	11	there	there	PRON
fsr-3217	45	12	has	have	AUX
fsr-3217	45	13	been	be	AUX
fsr-3217	45	14	a	a	DET
fsr-3217	45	15	significant	significant	ADJ
fsr-3217	45	16	increase	increase	NOUN
fsr-3217	45	17	in	in	ADP
fsr-3217	45	18	the	the	DET
fsr-3217	45	19	number	number	NOUN
fsr-3217	45	20	of	of	ADP
fsr-3217	45	21	individuals	individual	NOUN
fsr-3217	45	22	who	who	PRON
fsr-3217	45	23	use	use	VERB
fsr-3217	45	24	financial	financial	ADJ
fsr-3217	45	25	advisers	adviser	NOUN
fsr-3217	45	26	over	over	ADP
fsr-3217	45	27	the	the	DET
fsr-3217	45	28	last	last	ADJ
fsr-3217	45	29	14	14	NUM
fsr-3217	45	30	years	year	NOUN
fsr-3217	45	31	.	.	PUNCT
fsr-3217	46	1	elmerick	elmerick	PROPN
fsr-3217	46	2	,	,	PUNCT
fsr-3217	46	3	montalto	montalto	PROPN
fsr-3217	46	4	,	,	PUNCT
fsr-3217	46	5	and	and	CCONJ
fsr-3217	46	6	fox	fox	PROPN
fsr-3217	46	7	(	(	PUNCT
fsr-3217	46	8	2002	2002	NUM
fsr-3217	46	9	)	)	PUNCT
fsr-3217	46	10	,	,	PUNCT
fsr-3217	46	11	using	use	VERB
fsr-3217	46	12	the	the	DET
fsr-3217	46	13	1998	1998	NUM
fsr-3217	46	14	survey	survey	NOUN
fsr-3217	46	15	of	of	ADP
fsr-3217	46	16	consumer	consumer	NOUN
fsr-3217	46	17	finances	finance	NOUN
fsr-3217	46	18	,	,	PUNCT
fsr-3217	46	19	found	find	VERB
fsr-3217	46	20	that	that	SCONJ
fsr-3217	46	21	only	only	ADV
fsr-3217	46	22	21.20	21.20	NUM
fsr-3217	46	23	%	%	NOUN
fsr-3217	46	24	of	of	ADP
fsr-3217	46	25	those	those	PRON
fsr-3217	46	26	surveyed	survey	VERB
fsr-3217	46	27	claimed	claim	VERB
fsr-3217	46	28	to	to	PART
fsr-3217	46	29	have	have	AUX
fsr-3217	46	30	used	use	VERB
fsr-3217	46	31	a	a	DET
fsr-3217	46	32	financial	financial	ADJ
fsr-3217	46	33	adviser	adviser	NOUN
fsr-3217	46	34	.	.	PUNCT
fsr-3217	47	1	using	use	VERB
fsr-3217	47	2	the	the	DET
fsr-3217	47	3	more	more	ADV
fsr-3217	47	4	recent	recent	ADJ
fsr-3217	47	5	2012	2012	NUM
fsr-3217	47	6	finra	finra	NOUN
fsr-3217	47	7	survey	survey	NOUN
fsr-3217	47	8	,	,	PUNCT
fsr-3217	47	9	we	we	PRON
fsr-3217	47	10	find	find	VERB
fsr-3217	47	11	that	that	SCONJ
fsr-3217	47	12	over	over	ADP
fsr-3217	47	13	53	53	NUM
fsr-3217	47	14	%	%	NOUN
fsr-3217	47	15	of	of	ADP
fsr-3217	47	16	those	those	PRON
fsr-3217	47	17	surveyed	survey	VERB
fsr-3217	47	18	claimed	claim	VERB
fsr-3217	47	19	they	they	PRON
fsr-3217	47	20	used	use	VERB
fsr-3217	47	21	a	a	DET
fsr-3217	47	22	financial	financial	ADJ
fsr-3217	47	23	adviser	adviser	NOUN
fsr-3217	47	24	indicating	indicate	VERB
fsr-3217	47	25	the	the	DET
fsr-3217	47	26	usage	usage	NOUN
fsr-3217	47	27	of	of	ADP
fsr-3217	47	28	financial	financial	ADJ
fsr-3217	47	29	advisers	adviser	NOUN
fsr-3217	47	30	has	have	AUX
fsr-3217	47	31	more	more	ADV
fsr-3217	47	32	than	than	ADP
fsr-3217	47	33	doubled	double	VERB
fsr-3217	47	34	since	since	SCONJ
fsr-3217	47	35	the	the	DET
fsr-3217	47	36	1998	1998	NUM
fsr-3217	47	37	survey	survey	NOUN
fsr-3217	47	38	.	.	PUNCT
fsr-3217	48	1	overall	overall	ADV
fsr-3217	48	2	,	,	PUNCT
fsr-3217	48	3	we	we	PRON
fsr-3217	48	4	find	find	VERB
fsr-3217	48	5	that	that	SCONJ
fsr-3217	48	6	those	those	PRON
fsr-3217	48	7	who	who	PRON
fsr-3217	48	8	have	have	AUX
fsr-3217	48	9	received	receive	VERB
fsr-3217	48	10	a	a	DET
fsr-3217	48	11	financial	financial	ADJ
fsr-3217	48	12	education	education	NOUN
fsr-3217	48	13	,	,	PUNCT
fsr-3217	48	14	are	be	AUX
fsr-3217	48	15	female	female	ADJ
fsr-3217	48	16	,	,	PUNCT
fsr-3217	48	17	have	have	VERB
fsr-3217	48	18	higher	high	ADJ
fsr-3217	48	19	education	education	NOUN
fsr-3217	48	20	and	and	CCONJ
fsr-3217	48	21	income	income	NOUN
fsr-3217	48	22	levels	level	NOUN
fsr-3217	48	23	,	,	PUNCT
fsr-3217	48	24	and	and	CCONJ
fsr-3217	48	25	those	those	PRON
fsr-3217	48	26	that	that	PRON
fsr-3217	48	27	are	be	AUX
fsr-3217	48	28	self	self	NOUN
fsr-3217	48	29	-	-	PUNCT
fsr-3217	48	30	employed	employ	VERB
fsr-3217	48	31	are	be	AUX
fsr-3217	48	32	more	more	ADV
fsr-3217	48	33	likely	likely	ADJ
fsr-3217	48	34	to	to	PART
fsr-3217	48	35	use	use	VERB
fsr-3217	48	36	a	a	DET
fsr-3217	48	37	financial	financial	ADJ
fsr-3217	48	38	adviser	adviser	NOUN
fsr-3217	48	39	.	.	PUNCT
fsr-3217	49	1	those	those	PRON
fsr-3217	49	2	in	in	ADP
fsr-3217	49	3	younger	young	ADJ
fsr-3217	49	4	age	age	NOUN
fsr-3217	49	5	groups	group	NOUN
fsr-3217	49	6	and	and	CCONJ
fsr-3217	49	7	non	non	ADJ
fsr-3217	49	8	-	-	ADJ
fsr-3217	49	9	married	married	ADJ
fsr-3217	49	10	individuals	individual	NOUN
fsr-3217	49	11	are	be	AUX
fsr-3217	49	12	less	less	ADV
fsr-3217	49	13	likely	likely	ADJ
fsr-3217	49	14	to	to	PART
fsr-3217	49	15	use	use	VERB
fsr-3217	49	16	financial	financial	ADJ
fsr-3217	49	17	advisers	adviser	NOUN
fsr-3217	49	18	.	.	PUNCT
fsr-3217	50	1	when	when	SCONJ
fsr-3217	50	2	considering	consider	VERB
fsr-3217	50	3	the	the	DET
fsr-3217	50	4	specific	specific	ADJ
fsr-3217	50	5	financial	financial	ADJ
fsr-3217	50	6	adviser	adviser	NOUN
fsr-3217	50	7	types	type	NOUN
fsr-3217	50	8	separately	separately	ADV
fsr-3217	50	9	,	,	PUNCT
fsr-3217	50	10	we	we	PRON
fsr-3217	50	11	find	find	VERB
fsr-3217	50	12	those	those	PRON
fsr-3217	50	13	having	having	AUX
fsr-3217	50	14	received	receive	VERB
fsr-3217	50	15	a	a	DET
fsr-3217	50	16	financial	financial	ADJ
fsr-3217	50	17	education	education	NOUN
fsr-3217	50	18	and	and	CCONJ
fsr-3217	50	19	those	those	DET
fsr-3217	50	20	self	self	NOUN
fsr-3217	50	21	-	-	PUNCT
fsr-3217	50	22	employed	employ	VERB
fsr-3217	50	23	are	be	AUX
fsr-3217	50	24	more	more	ADV
fsr-3217	50	25	likely	likely	ADJ
fsr-3217	50	26	to	to	PART
fsr-3217	50	27	use	use	VERB
fsr-3217	50	28	all	all	PRON
fsr-3217	50	29	of	of	ADP
fsr-3217	50	30	the	the	DET
fsr-3217	50	31	different	different	ADJ
fsr-3217	50	32	adviser	adviser	NOUN
fsr-3217	50	33	types	type	NOUN
fsr-3217	50	34	.	.	PUNCT
fsr-3217	51	1	females	female	NOUN
fsr-3217	51	2	are	be	AUX
fsr-3217	51	3	more	more	ADV
fsr-3217	51	4	likely	likely	ADJ
fsr-3217	51	5	to	to	PART
fsr-3217	51	6	use	use	VERB
fsr-3217	51	7	insurance	insurance	NOUN
fsr-3217	51	8	advisers	adviser	NOUN
fsr-3217	51	9	,	,	PUNCT
fsr-3217	51	10	black	black	ADJ
fsr-3217	51	11	(	(	PUNCT
fsr-3217	51	12	nonhispanic	nonhispanic	ADJ
fsr-3217	51	13	)	)	PUNCT
fsr-3217	51	14	individuals	individual	NOUN
fsr-3217	51	15	are	be	AUX
fsr-3217	51	16	more	more	ADV
fsr-3217	51	17	(	(	PUNCT
fsr-3217	51	18	less	less	ADJ
fsr-3217	51	19	)	)	PUNCT
fsr-3217	51	20	likely	likely	ADJ
fsr-3217	51	21	to	to	PART
fsr-3217	51	22	use	use	VERB
fsr-3217	51	23	debt	debt	NOUN
fsr-3217	51	24	counseling	counseling	NOUN
fsr-3217	51	25	(	(	PUNCT
fsr-3217	51	26	mortgage	mortgage	NOUN
fsr-3217	51	27	or	or	CCONJ
fsr-3217	51	28	loan	loan	NOUN
fsr-3217	51	29	)	)	PUNCT
fsr-3217	51	30	advisers	adviser	NOUN
fsr-3217	51	31	,	,	PUNCT
fsr-3217	51	32	and	and	CCONJ
fsr-3217	51	33	younger	young	ADJ
fsr-3217	51	34	individuals	individual	NOUN
fsr-3217	51	35	are	be	AUX
fsr-3217	51	36	more	more	ADV
fsr-3217	51	37	likely	likely	ADJ
fsr-3217	51	38	to	to	PART
fsr-3217	51	39	use	use	VERB
fsr-3217	51	40	debt	debt	NOUN
fsr-3217	51	41	counseling	counseling	NOUN
fsr-3217	51	42	and	and	CCONJ
fsr-3217	51	43	mortgage	mortgage	NOUN
fsr-3217	51	44	or	or	CCONJ
fsr-3217	51	45	loan	loan	NOUN
fsr-3217	51	46	advisers	adviser	NOUN
fsr-3217	51	47	.	.	PUNCT
fsr-3217	52	1	individuals	individual	NOUN
fsr-3217	52	2	having	have	VERB
fsr-3217	52	3	higher	high	ADJ
fsr-3217	52	4	education	education	NOUN
fsr-3217	52	5	levels	level	NOUN
fsr-3217	52	6	are	be	AUX
fsr-3217	52	7	more	more	ADV
fsr-3217	52	8	likely	likely	ADJ
fsr-3217	52	9	to	to	PART
fsr-3217	52	10	use	use	VERB
fsr-3217	52	11	savings	saving	NOUN
fsr-3217	52	12	or	or	CCONJ
fsr-3217	52	13	investments	investment	NOUN
fsr-3217	52	14	and	and	CCONJ
fsr-3217	52	15	mortgage	mortgage	NOUN
fsr-3217	52	16	or	or	CCONJ
fsr-3217	52	17	loan	loan	NOUN
fsr-3217	52	18	advisers	adviser	NOUN
fsr-3217	52	19	,	,	PUNCT
fsr-3217	52	20	those	those	PRON
fsr-3217	52	21	that	that	PRON
fsr-3217	52	22	are	be	AUX
fsr-3217	52	23	married	married	ADJ
fsr-3217	52	24	are	be	AUX
fsr-3217	52	25	more	more	ADV
fsr-3217	52	26	likely	likely	ADJ
fsr-3217	52	27	to	to	PART
fsr-3217	52	28	use	use	VERB
fsr-3217	52	29	mortgage	mortgage	NOUN
fsr-3217	52	30	or	or	CCONJ
fsr-3217	52	31	loan	loan	NOUN
fsr-3217	52	32	,	,	PUNCT
fsr-3217	52	33	insurance	insurance	NOUN
fsr-3217	52	34	,	,	PUNCT
fsr-3217	52	35	and	and	CCONJ
fsr-3217	52	36	tax	tax	NOUN
fsr-3217	52	37	planning	planning	NOUN
fsr-3217	52	38	advisers	adviser	NOUN
fsr-3217	52	39	,	,	PUNCT
fsr-3217	52	40	and	and	CCONJ
fsr-3217	52	41	those	those	PRON
fsr-3217	52	42	with	with	ADP
fsr-3217	52	43	higher	high	ADJ
fsr-3217	52	44	income	income	NOUN
fsr-3217	52	45	levels	level	NOUN
fsr-3217	52	46	are	be	AUX
fsr-3217	52	47	more	more	ADV
fsr-3217	52	48	likely	likely	ADJ
fsr-3217	52	49	to	to	PART
fsr-3217	52	50	use	use	VERB
fsr-3217	52	51	all	all	PRON
fsr-3217	52	52	of	of	ADP
fsr-3217	52	53	the	the	DET
fsr-3217	52	54	different	different	ADJ
fsr-3217	52	55	types	type	NOUN
fsr-3217	52	56	of	of	ADP
fsr-3217	52	57	advisers	adviser	NOUN
fsr-3217	52	58	but	but	CCONJ
fsr-3217	52	59	debt	debt	NOUN
fsr-3217	52	60	counselors	counselor	NOUN
fsr-3217	52	61	.	.	PUNCT
fsr-3217	53	1	129b	129b	PROPN
fsr-3217	53	2	.	.	PUNCT
fsr-3217	54	1	balasubramnian	balasubramnian	PROPN
fsr-3217	54	2	,	,	PUNCT
fsr-3217	54	3	e.r	e.r	PROPN
fsr-3217	54	4	.	.	NOUN
fsr-3217	54	5	brisker	brisk	ADJ
fsr-3217	54	6	/	/	SYM
fsr-3217	54	7	financial	financial	ADJ
fsr-3217	54	8	services	service	NOUN
fsr-3217	54	9	review	review	VERB
fsr-3217	54	10	25	25	NUM
fsr-3217	54	11	(	(	PUNCT
fsr-3217	54	12	2016	2016	NUM
fsr-3217	54	13	)	)	PUNCT
fsr-3217	54	14	127–155	127–155	NUM
fsr-3217	54	15	table	table	NOUN
fsr-3217	54	16	1	1	NUM
fsr-3217	54	17	financial	financial	ADJ
fsr-3217	54	18	literacy	literacy	NOUN
fsr-3217	54	19	questions	question	NOUN
fsr-3217	54	20	panel	panel	NOUN
fsr-3217	54	21	a	a	DET
fsr-3217	54	22	:	:	PUNCT
fsr-3217	54	23	financial	financial	ADJ
fsr-3217	54	24	literacy	literacy	NOUN
fsr-3217	54	25	questions	question	NOUN
fsr-3217	54	26	q1	q1	NOUN
fsr-3217	54	27	time	time	NOUN
fsr-3217	54	28	value	value	NOUN
fsr-3217	54	29	of	of	ADP
fsr-3217	54	30	money	money	NOUN
fsr-3217	54	31	suppose	suppose	VERB
fsr-3217	54	32	you	you	PRON
fsr-3217	54	33	had	have	VERB
fsr-3217	54	34	$	$	SYM
fsr-3217	54	35	100	100	NUM
fsr-3217	54	36	in	in	ADP
fsr-3217	54	37	a	a	DET
fsr-3217	54	38	savings	saving	NOUN
fsr-3217	54	39	account	account	NOUN
fsr-3217	54	40	and	and	CCONJ
fsr-3217	54	41	the	the	DET
fsr-3217	54	42	interest	interest	NOUN
fsr-3217	54	43	rate	rate	NOUN
fsr-3217	54	44	was	be	AUX
fsr-3217	54	45	2	2	NUM
fsr-3217	54	46	%	%	NOUN
fsr-3217	54	47	per	per	ADP
fsr-3217	54	48	year	year	NOUN
fsr-3217	54	49	.	.	PUNCT
fsr-3217	55	1	after	after	ADP
fsr-3217	55	2	5	5	NUM
fsr-3217	55	3	years	year	NOUN
fsr-3217	55	4	,	,	PUNCT
fsr-3217	55	5	how	how	SCONJ
fsr-3217	55	6	much	much	ADJ
fsr-3217	55	7	do	do	AUX
fsr-3217	55	8	you	you	PRON
fsr-3217	55	9	think	think	VERB
fsr-3217	55	10	you	you	PRON
fsr-3217	55	11	would	would	AUX
fsr-3217	55	12	have	have	VERB
fsr-3217	55	13	in	in	ADP
fsr-3217	55	14	the	the	DET
fsr-3217	55	15	account	account	NOUN
fsr-3217	55	16	if	if	SCONJ
fsr-3217	55	17	you	you	PRON
fsr-3217	55	18	left	leave	VERB
fsr-3217	55	19	the	the	DET
fsr-3217	55	20	money	money	NOUN
fsr-3217	55	21	to	to	PART
fsr-3217	55	22	grow	grow	VERB
fsr-3217	55	23	?	?	PUNCT
fsr-3217	56	1	q2	q2	NOUN
fsr-3217	56	2	inflation	inflation	NOUN
fsr-3217	56	3	imaging	imaging	NOUN
fsr-3217	56	4	that	that	SCONJ
fsr-3217	56	5	the	the	DET
fsr-3217	56	6	interest	interest	NOUN
fsr-3217	56	7	rate	rate	NOUN
fsr-3217	56	8	on	on	ADP
fsr-3217	56	9	your	your	PRON
fsr-3217	56	10	savings	saving	NOUN
fsr-3217	56	11	account	account	NOUN
fsr-3217	56	12	was	be	AUX
fsr-3217	56	13	1	1	NUM
fsr-3217	56	14	%	%	NOUN
fsr-3217	56	15	per	per	ADP
fsr-3217	56	16	year	year	NOUN
fsr-3217	56	17	and	and	CCONJ
fsr-3217	56	18	inflation	inflation	NOUN
fsr-3217	56	19	was	be	AUX
fsr-3217	56	20	2	2	NUM
fsr-3217	56	21	%	%	NOUN
fsr-3217	56	22	per	per	ADP
fsr-3217	56	23	year	year	NOUN
fsr-3217	56	24	.	.	PUNCT
fsr-3217	57	1	after	after	ADP
fsr-3217	57	2	1	1	NUM
fsr-3217	57	3	year	year	NOUN
fsr-3217	57	4	,	,	PUNCT
fsr-3217	57	5	how	how	SCONJ
fsr-3217	57	6	much	much	ADJ
fsr-3217	57	7	would	would	AUX
fsr-3217	57	8	you	you	PRON
fsr-3217	57	9	be	be	AUX
fsr-3217	57	10	able	able	ADJ
fsr-3217	57	11	to	to	PART
fsr-3217	57	12	buy	buy	VERB
fsr-3217	57	13	with	with	ADP
fsr-3217	57	14	the	the	DET
fsr-3217	57	15	money	money	NOUN
fsr-3217	57	16	in	in	ADP
fsr-3217	57	17	this	this	DET
fsr-3217	57	18	account	account	NOUN
fsr-3217	57	19	?	?	PUNCT
fsr-3217	58	1	q3	q3	PROPN
fsr-3217	58	2	interest	interest	NOUN
fsr-3217	58	3	rates	rate	NOUN
fsr-3217	58	4	if	if	SCONJ
fsr-3217	58	5	interest	interest	NOUN
fsr-3217	58	6	rates	rate	NOUN
fsr-3217	58	7	rise	rise	VERB
fsr-3217	58	8	,	,	PUNCT
fsr-3217	58	9	what	what	PRON
fsr-3217	58	10	will	will	AUX
fsr-3217	58	11	typically	typically	ADV
fsr-3217	58	12	happen	happen	VERB
fsr-3217	58	13	to	to	PART
fsr-3217	58	14	bond	bond	NOUN
fsr-3217	58	15	prices	price	NOUN
fsr-3217	58	16	?	?	PUNCT
fsr-3217	59	1	q4	q4	PROPN
fsr-3217	59	2	interest	interest	NOUN
fsr-3217	59	3	rates	rate	NOUN
fsr-3217	59	4	a	a	DET
fsr-3217	59	5	15	15	NUM
fsr-3217	59	6	-	-	PUNCT
fsr-3217	59	7	year	year	NOUN
fsr-3217	59	8	mortgage	mortgage	NOUN
fsr-3217	59	9	typically	typically	ADV
fsr-3217	59	10	requires	require	VERB
fsr-3217	59	11	higher	high	ADJ
fsr-3217	59	12	monthly	monthly	ADJ
fsr-3217	59	13	payments	payment	NOUN
fsr-3217	59	14	than	than	ADP
fsr-3217	59	15	a	a	DET
fsr-3217	59	16	30	30	NUM
fsr-3217	59	17	-	-	PUNCT
fsr-3217	59	18	year	year	NOUN
fsr-3217	59	19	mortgage	mortgage	NOUN
fsr-3217	59	20	,	,	PUNCT
fsr-3217	59	21	but	but	CCONJ
fsr-3217	59	22	the	the	DET
fsr-3217	59	23	total	total	ADJ
fsr-3217	59	24	interest	interest	NOUN
fsr-3217	59	25	paid	pay	VERB
fsr-3217	59	26	over	over	ADP
fsr-3217	59	27	the	the	DET
fsr-3217	59	28	life	life	NOUN
fsr-3217	59	29	of	of	ADP
fsr-3217	59	30	the	the	DET
fsr-3217	59	31	loan	loan	NOUN
fsr-3217	59	32	will	will	AUX
fsr-3217	59	33	be	be	AUX
fsr-3217	59	34	less	less	ADJ
fsr-3217	59	35	.	.	PUNCT
fsr-3217	60	1	q5	q5	PROPN
fsr-3217	60	2	diversification	diversification	NOUN
fsr-3217	60	3	buying	buy	VERB
fsr-3217	60	4	a	a	DET
fsr-3217	60	5	single	single	ADJ
fsr-3217	60	6	company	company	NOUN
fsr-3217	60	7	’s	’s	PART
fsr-3217	60	8	stock	stock	NOUN
fsr-3217	60	9	usually	usually	ADV
fsr-3217	60	10	provides	provide	VERB
fsr-3217	60	11	a	a	DET
fsr-3217	60	12	safer	safe	ADJ
fsr-3217	60	13	return	return	NOUN
fsr-3217	60	14	than	than	ADP
fsr-3217	60	15	a	a	DET
fsr-3217	60	16	stock	stock	NOUN
fsr-3217	60	17	mutual	mutual	ADJ
fsr-3217	60	18	fund	fund	NOUN
fsr-3217	60	19	.	.	PUNCT
fsr-3217	61	1	panel	panel	NOUN
fsr-3217	61	2	b	b	X
fsr-3217	61	3	:	:	PUNCT
fsr-3217	61	4	percentage	percentage	NOUN
fsr-3217	61	5	answering	answer	VERB
fsr-3217	61	6	financial	financial	ADJ
fsr-3217	61	7	literacy	literacy	NOUN
fsr-3217	61	8	questions	question	NOUN
fsr-3217	61	9	correctly	correctly	ADV
fsr-3217	61	10	q1	q1	PROPN
fsr-3217	61	11	q2	q2	PROPN
fsr-3217	61	12	q3	q3	PROPN
fsr-3217	61	13	q4	q4	PROPN
fsr-3217	61	14	q5	q5	PROPN
fsr-3217	61	15	overall	overall	ADV
fsr-3217	61	16	78.6	78.6	NUM
fsr-3217	61	17	%	%	NOUN
fsr-3217	61	18	66.1	66.1	NUM
fsr-3217	61	19	%	%	NOUN
fsr-3217	61	20	30.9	30.9	NUM
fsr-3217	61	21	%	%	NOUN
fsr-3217	61	22	79.4	79.4	NUM
fsr-3217	61	23	%	%	NOUN
fsr-3217	61	24	53.5	53.5	NUM
fsr-3217	61	25	%	%	NOUN
fsr-3217	61	26	financial	financial	ADJ
fsr-3217	61	27	adviser	adviser	NOUN
fsr-3217	61	28	user	user	NOUN
fsr-3217	61	29	82.1	82.1	NUM
fsr-3217	61	30	71.4	71.4	NUM
fsr-3217	61	31	36.3	36.3	NUM
fsr-3217	61	32	84.9	84.9	NUM
fsr-3217	61	33	61.7	61.7	NUM
fsr-3217	61	34	non	non	ADJ
fsr-3217	61	35	-	-	NOUN
fsr-3217	61	36	user	user	NOUN
fsr-3217	61	37	74.7	74.7	NUM
fsr-3217	61	38	60.1	60.1	NUM
fsr-3217	61	39	24.8	24.8	NUM
fsr-3217	61	40	73.0	73.0	NUM
fsr-3217	61	41	44.1	44.1	NUM
fsr-3217	61	42	t	t	NOUN
fsr-3217	61	43	stat	stat	PROPN
fsr-3217	61	44	13.28	13.28	NUM
fsr-3217	61	45	*	*	PUNCT
fsr-3217	61	46	*	*	PUNCT
fsr-3217	61	47	*	*	PUNCT
fsr-3217	62	1	17.77	17.77	NUM
fsr-3217	62	2	*	*	PUNCT
fsr-3217	62	3	*	*	PUNCT
fsr-3217	62	4	*	*	PUNCT
fsr-3217	62	5	18.77	18.77	NUM
fsr-3217	62	6	*	*	PUNCT
fsr-3217	62	7	*	*	PUNCT
fsr-3217	62	8	*	*	PUNCT
fsr-3217	63	1	21.88	21.88	NUM
fsr-3217	63	2	*	*	NOUN
fsr-3217	63	3	*	*	PUNCT
fsr-3217	63	4	*	*	PUNCT
fsr-3217	63	5	26.59	26.59	NUM
fsr-3217	63	6	*	*	PUNCT
fsr-3217	63	7	*	*	PUNCT
fsr-3217	63	8	*	*	PUNCT
fsr-3217	63	9	debt	debt	NOUN
fsr-3217	63	10	counseling	counseling	NOUN
fsr-3217	63	11	user	user	NOUN
fsr-3217	63	12	73.0	73.0	NUM
fsr-3217	63	13	56.3	56.3	NUM
fsr-3217	63	14	28.2	28.2	NUM
fsr-3217	63	15	80.0	80.0	NUM
fsr-3217	63	16	48.0	48.0	NUM
fsr-3217	63	17	non	non	NOUN
fsr-3217	63	18	-	-	NOUN
fsr-3217	63	19	user	user	NOUN
fsr-3217	63	20	79.2	79.2	NUM
fsr-3217	63	21	67.1	67.1	NUM
fsr-3217	63	22	31.2	31.2	NUM
fsr-3217	63	23	79.3	79.3	NUM
fsr-3217	63	24	54.0	54.0	NUM
fsr-3217	63	25	t	t	PROPN
fsr-3217	63	26	stat	stat	PROPN
fsr-3217	63	27	�	�	PROPN
fsr-3217	63	28	5.91	5.91	NUM
fsr-3217	63	29	*	*	PUNCT
fsr-3217	63	30	*	*	PUNCT
fsr-3217	63	31	*	*	PUNCT
fsr-3217	63	32	�	�	NOUN
fsr-3217	63	33	9.18	9.18	NUM
fsr-3217	63	34	*	*	PUNCT
fsr-3217	63	35	*	*	PUNCT
fsr-3217	63	36	*	*	PUNCT
fsr-3217	63	37	�	�	PROPN
fsr-3217	63	38	2.82	2.82	NUM
fsr-3217	63	39	*	*	PUNCT
fsr-3217	63	40	*	*	PUNCT
fsr-3217	63	41	*	*	PROPN
fsr-3217	63	42	0.74	0.74	NUM
fsr-3217	63	43	�	�	PROPN
fsr-3217	63	44	5.12	5.12	NUM
fsr-3217	63	45	*	*	SYM
fsr-3217	63	46	*	*	PUNCT
fsr-3217	63	47	*	*	VERB
fsr-3217	63	48	savings	saving	NOUN
fsr-3217	63	49	or	or	CCONJ
fsr-3217	63	50	investments	investment	NOUN
fsr-3217	63	51	user	user	NOUN
fsr-3217	63	52	83.8	83.8	NUM
fsr-3217	63	53	74.0	74.0	NUM
fsr-3217	63	54	40.5	40.5	NUM
fsr-3217	63	55	86.1	86.1	NUM
fsr-3217	63	56	67.5	67.5	NUM
fsr-3217	63	57	non	non	ADJ
fsr-3217	63	58	-	-	NOUN
fsr-3217	63	59	user	user	NOUN
fsr-3217	63	60	76.2	76.2	NUM
fsr-3217	63	61	62.5	62.5	NUM
fsr-3217	63	62	26.5	26.5	NUM
fsr-3217	63	63	76.2	76.2	NUM
fsr-3217	63	64	47.0	47.0	NUM
fsr-3217	63	65	t	t	PROPN
fsr-3217	63	66	stat	stat	PROPN
fsr-3217	63	67	13.61	13.61	NUM
fsr-3217	63	68	*	*	PUNCT
fsr-3217	63	69	*	*	PUNCT
fsr-3217	63	70	*	*	PUNCT
fsr-3217	64	1	17.64	17.64	NUM
fsr-3217	64	2	*	*	PUNCT
fsr-3217	64	3	*	*	PUNCT
fsr-3217	64	4	*	*	PUNCT
fsr-3217	65	1	20.36	20.36	NUM
fsr-3217	65	2	*	*	PUNCT
fsr-3217	65	3	*	*	PUNCT
fsr-3217	65	4	*	*	PUNCT
fsr-3217	65	5	18.24	18.24	NUM
fsr-3217	65	6	*	*	PUNCT
fsr-3217	65	7	*	*	PUNCT
fsr-3217	65	8	*	*	PUNCT
fsr-3217	65	9	29.78	29.78	NUM
fsr-3217	65	10	*	*	PUNCT
fsr-3217	65	11	*	*	PUNCT
fsr-3217	65	12	*	*	PUNCT
fsr-3217	65	13	mortgage	mortgage	NOUN
fsr-3217	65	14	or	or	CCONJ
fsr-3217	65	15	loan	loan	NOUN
fsr-3217	65	16	user	user	NOUN
fsr-3217	65	17	82.6	82.6	NUM
fsr-3217	65	18	71.0	71.0	NUM
fsr-3217	65	19	36.5	36.5	NUM
fsr-3217	65	20	88.6	88.6	NUM
fsr-3217	65	21	63.2	63.2	NUM
fsr-3217	65	22	non	non	ADJ
fsr-3217	65	23	-	-	NOUN
fsr-3217	65	24	user	user	NOUN
fsr-3217	65	25	77.5	77.5	NUM
fsr-3217	65	26	64.8	64.8	NUM
fsr-3217	65	27	29.4	29.4	NUM
fsr-3217	65	28	76.7	76.7	NUM
fsr-3217	65	29	50.7	50.7	NUM
fsr-3217	65	30	t	t	NOUN
fsr-3217	65	31	stat	stat	NOUN
fsr-3217	65	32	8.15	8.15	NUM
fsr-3217	65	33	*	*	PUNCT
fsr-3217	65	34	*	*	PUNCT
fsr-3217	65	35	*	*	PUNCT
fsr-3217	65	36	8.36	8.36	NUM
fsr-3217	65	37	*	*	PUNCT
fsr-3217	65	38	*	*	PUNCT
fsr-3217	65	39	*	*	PUNCT
fsr-3217	65	40	9.25	9.25	NUM
fsr-3217	65	41	*	*	PUNCT
fsr-3217	65	42	*	*	PUNCT
fsr-3217	65	43	*	*	PUNCT
fsr-3217	65	44	21.45	21.45	NUM
fsr-3217	65	45	*	*	PUNCT
fsr-3217	65	46	*	*	PUNCT
fsr-3217	65	47	*	*	PUNCT
fsr-3217	65	48	15.87	15.87	NUM
fsr-3217	65	49	*	*	PUNCT
fsr-3217	65	50	*	*	PUNCT
fsr-3217	65	51	*	*	PUNCT
fsr-3217	65	52	insurance	insurance	NOUN
fsr-3217	65	53	user	user	NOUN
fsr-3217	65	54	81.6	81.6	NUM
fsr-3217	65	55	70.5	70.5	NUM
fsr-3217	65	56	35.4	35.4	NUM
fsr-3217	65	57	85.1	85.1	NUM
fsr-3217	65	58	60.7	60.7	NUM
fsr-3217	65	59	non	non	ADJ
fsr-3217	65	60	-	-	NOUN
fsr-3217	65	61	user	user	NOUN
fsr-3217	65	62	77.2	77.2	NUM
fsr-3217	65	63	64.0	64.0	NUM
fsr-3217	65	64	28.8	28.8	NUM
fsr-3217	65	65	76.5	76.5	NUM
fsr-3217	65	66	50.0	50.0	NUM
fsr-3217	65	67	t	t	NOUN
fsr-3217	65	68	stat	stat	NOUN
fsr-3217	65	69	7.69	7.69	NUM
fsr-3217	65	70	*	*	PUNCT
fsr-3217	65	71	*	*	PUNCT
fsr-3217	65	72	*	*	PUNCT
fsr-3217	65	73	9.77	9.77	NUM
fsr-3217	65	74	*	*	PUNCT
fsr-3217	65	75	*	*	PUNCT
fsr-3217	65	76	*	*	PUNCT
fsr-3217	65	77	9.84	9.84	NUM
fsr-3217	65	78	*	*	PUNCT
fsr-3217	65	79	*	*	PUNCT
fsr-3217	65	80	*	*	PUNCT
fsr-3217	65	81	15.76	15.76	NUM
fsr-3217	65	82	*	*	PUNCT
fsr-3217	65	83	*	*	PUNCT
fsr-3217	65	84	*	*	PUNCT
fsr-3217	65	85	15.27	15.27	NUM
fsr-3217	65	86	*	*	PUNCT
fsr-3217	65	87	*	*	PUNCT
fsr-3217	65	88	*	*	PUNCT
fsr-3217	65	89	tax	tax	NOUN
fsr-3217	65	90	planning	planning	NOUN
fsr-3217	65	91	user	user	NOUN
fsr-3217	65	92	82.8	82.8	NUM
fsr-3217	65	93	71.7	71.7	NUM
fsr-3217	65	94	41.5	41.5	NUM
fsr-3217	65	95	85.9	85.9	NUM
fsr-3217	65	96	66.2	66.2	NUM
fsr-3217	65	97	non	non	NOUN
fsr-3217	65	98	-	-	NOUN
fsr-3217	65	99	user	user	NOUN
fsr-3217	65	100	77.6	77.6	NUM
fsr-3217	65	101	64.8	64.8	NUM
fsr-3217	65	102	28.3	28.3	NUM
fsr-3217	65	103	77.7	77.7	NUM
fsr-3217	65	104	50.3	50.3	NUM
fsr-3217	65	105	t	t	PROPN
fsr-3217	65	106	stat	stat	PROPN
fsr-3217	65	107	8.04	8.04	NUM
fsr-3217	65	108	*	*	PUNCT
fsr-3217	65	109	*	*	PUNCT
fsr-3217	65	110	*	*	PUNCT
fsr-3217	65	111	9.07	9.07	NUM
fsr-3217	65	112	*	*	PUNCT
fsr-3217	65	113	*	*	PUNCT
fsr-3217	65	114	*	*	PUNCT
fsr-3217	65	115	16.28	16.28	NUM
fsr-3217	65	116	*	*	PUNCT
fsr-3217	65	117	*	*	PUNCT
fsr-3217	65	118	*	*	PUNCT
fsr-3217	65	119	13.35	13.35	NUM
fsr-3217	65	120	*	*	PUNCT
fsr-3217	65	121	*	*	PUNCT
fsr-3217	65	122	*	*	PUNCT
fsr-3217	65	123	19.68	19.68	NUM
fsr-3217	65	124	*	*	PUNCT
fsr-3217	65	125	*	*	PUNCT
fsr-3217	65	126	*	*	VERB
fsr-3217	65	127	panel	panel	NOUN
fsr-3217	65	128	a	a	DET
fsr-3217	65	129	identifies	identify	VERB
fsr-3217	65	130	the	the	DET
fsr-3217	65	131	five	five	NUM
fsr-3217	65	132	financial	financial	ADJ
fsr-3217	65	133	literacy	literacy	NOUN
fsr-3217	65	134	questions	question	NOUN
fsr-3217	65	135	asked	ask	VERB
fsr-3217	65	136	in	in	ADP
fsr-3217	65	137	the	the	DET
fsr-3217	65	138	survey	survey	NOUN
fsr-3217	65	139	.	.	PUNCT
fsr-3217	66	1	panel	panel	NOUN
fsr-3217	66	2	b	b	PROPN
fsr-3217	66	3	reports	report	VERB
fsr-3217	66	4	the	the	DET
fsr-3217	66	5	percentage	percentage	NOUN
fsr-3217	66	6	of	of	ADP
fsr-3217	66	7	individuals	individual	NOUN
fsr-3217	66	8	who	who	PRON
fsr-3217	66	9	answered	answer	VERB
fsr-3217	66	10	each	each	DET
fsr-3217	66	11	question	question	NOUN
fsr-3217	66	12	correctly	correctly	ADV
fsr-3217	66	13	for	for	ADP
fsr-3217	66	14	financial	financial	ADJ
fsr-3217	66	15	adviser	adviser	NOUN
fsr-3217	66	16	users	user	NOUN
fsr-3217	66	17	vs.	vs.	ADP
fsr-3217	66	18	non	non	NOUN
fsr-3217	66	19	-	-	NOUN
fsr-3217	66	20	users	user	NOUN
fsr-3217	66	21	.	.	PUNCT
fsr-3217	67	1	results	result	NOUN
fsr-3217	67	2	are	be	AUX
fsr-3217	67	3	reported	report	VERB
fsr-3217	67	4	for	for	ADP
fsr-3217	67	5	the	the	DET
fsr-3217	67	6	full	full	ADJ
fsr-3217	67	7	sample	sample	NOUN
fsr-3217	67	8	(	(	PUNCT
fsr-3217	67	9	overall	overall	ADJ
fsr-3217	67	10	)	)	PUNCT
fsr-3217	67	11	,	,	PUNCT
fsr-3217	67	12	for	for	ADP
fsr-3217	67	13	those	those	DET
fsr-3217	67	14	financial	financial	ADJ
fsr-3217	67	15	adviser	adviser	NOUN
fsr-3217	67	16	users	user	NOUN
fsr-3217	67	17	who	who	PRON
fsr-3217	67	18	used	use	VERB
fsr-3217	67	19	at	at	ADP
fsr-3217	67	20	least	least	ADV
fsr-3217	67	21	one	one	NUM
fsr-3217	67	22	or	or	CCONJ
fsr-3217	67	23	more	more	ADJ
fsr-3217	67	24	of	of	ADP
fsr-3217	67	25	the	the	DET
fsr-3217	67	26	five	five	NUM
fsr-3217	67	27	types	type	NOUN
fsr-3217	67	28	of	of	ADP
fsr-3217	67	29	financial	financial	ADJ
fsr-3217	67	30	advisers	adviser	NOUN
fsr-3217	67	31	vs.	vs.	ADP
fsr-3217	67	32	non	non	NOUN
fsr-3217	67	33	-	-	NOUN
fsr-3217	67	34	users	user	NOUN
fsr-3217	67	35	(	(	PUNCT
fsr-3217	67	36	financial	financial	ADJ
fsr-3217	67	37	adviser	adviser	NOUN
fsr-3217	67	38	)	)	PUNCT
fsr-3217	67	39	,	,	PUNCT
fsr-3217	67	40	and	and	CCONJ
fsr-3217	67	41	for	for	ADP
fsr-3217	67	42	each	each	DET
fsr-3217	67	43	financial	financial	ADJ
fsr-3217	67	44	adviser	adviser	NOUN
fsr-3217	67	45	type	type	NOUN
fsr-3217	67	46	user	user	NOUN
fsr-3217	67	47	vs.	vs.	ADP
fsr-3217	67	48	non	non	NOUN
fsr-3217	67	49	-	-	NOUN
fsr-3217	67	50	users	user	NOUN
fsr-3217	67	51	,	,	PUNCT
fsr-3217	67	52	separately	separately	ADV
fsr-3217	67	53	.	.	PUNCT
fsr-3217	68	1	all	all	DET
fsr-3217	68	2	values	value	NOUN
fsr-3217	68	3	are	be	AUX
fsr-3217	68	4	in	in	ADP
fsr-3217	68	5	percentage	percentage	NOUN
fsr-3217	68	6	.	.	PUNCT
fsr-3217	69	1	t	t	NOUN
fsr-3217	69	2	stats	stat	NOUN
fsr-3217	69	3	are	be	AUX
fsr-3217	69	4	reported	report	VERB
fsr-3217	69	5	indicating	indicate	VERB
fsr-3217	69	6	the	the	DET
fsr-3217	69	7	significance	significance	NOUN
fsr-3217	69	8	in	in	ADP
fsr-3217	69	9	the	the	DET
fsr-3217	69	10	difference	difference	NOUN
fsr-3217	69	11	between	between	ADP
fsr-3217	69	12	users	user	NOUN
fsr-3217	69	13	vs.	vs.	ADP
fsr-3217	69	14	non	non	NOUN
fsr-3217	69	15	-	-	NOUN
fsr-3217	69	16	users	user	NOUN
fsr-3217	69	17	.	.	PUNCT
fsr-3217	70	1	*	*	PUNCT
fsr-3217	71	1	*	*	PUNCT
fsr-3217	71	2	*	*	PUNCT
fsr-3217	71	3	,	,	PUNCT
fsr-3217	71	4	*	*	PUNCT
fsr-3217	71	5	*	*	PUNCT
fsr-3217	71	6	,	,	PUNCT
fsr-3217	71	7	and	and	CCONJ
fsr-3217	71	8	*	*	PUNCT
fsr-3217	71	9	denote	denote	NOUN
fsr-3217	71	10	significance	significance	NOUN
fsr-3217	71	11	at	at	ADP
fsr-3217	71	12	the	the	DET
fsr-3217	71	13	1	1	NUM
fsr-3217	71	14	%	%	NOUN
fsr-3217	71	15	,	,	PUNCT
fsr-3217	71	16	5	5	NUM
fsr-3217	71	17	%	%	NOUN
fsr-3217	71	18	,	,	PUNCT
fsr-3217	71	19	and	and	CCONJ
fsr-3217	71	20	10	10	NUM
fsr-3217	71	21	%	%	NOUN
fsr-3217	71	22	levels	level	NOUN
fsr-3217	71	23	,	,	PUNCT
fsr-3217	71	24	respectively	respectively	ADV
fsr-3217	71	25	.	.	PUNCT
fsr-3217	71	26	130	130	NUM
fsr-3217	71	27	b.	b.	PROPN
fsr-3217	71	28	balasubramnian	balasubramnian	PROPN
fsr-3217	71	29	,	,	PUNCT
fsr-3217	71	30	e.r	e.r	PROPN
fsr-3217	71	31	.	.	NOUN
fsr-3217	71	32	brisker	brisk	ADJ
fsr-3217	71	33	/	/	SYM
fsr-3217	71	34	financial	financial	ADJ
fsr-3217	71	35	services	service	NOUN
fsr-3217	71	36	review	review	VERB
fsr-3217	71	37	25	25	NUM
fsr-3217	71	38	(	(	PUNCT
fsr-3217	71	39	2016	2016	NUM
fsr-3217	71	40	)	)	PUNCT
fsr-3217	71	41	127–155	127–155	NUM
fsr-3217	71	42	with	with	ADP
fsr-3217	71	43	a	a	DET
fsr-3217	71	44	large	large	ADJ
fsr-3217	71	45	increase	increase	NOUN
fsr-3217	71	46	in	in	ADP
fsr-3217	71	47	the	the	DET
fsr-3217	71	48	use	use	NOUN
fsr-3217	71	49	of	of	ADP
fsr-3217	71	50	financial	financial	ADJ
fsr-3217	71	51	advisers	adviser	NOUN
fsr-3217	71	52	in	in	ADP
fsr-3217	71	53	the	the	DET
fsr-3217	71	54	united	united	PROPN
fsr-3217	71	55	states	states	PROPN
fsr-3217	71	56	raises	raise	VERB
fsr-3217	71	57	the	the	DET
fsr-3217	71	58	question	question	NOUN
fsr-3217	71	59	if	if	SCONJ
fsr-3217	71	60	financial	financial	ADJ
fsr-3217	71	61	clients	client	NOUN
fsr-3217	71	62	learn	learn	VERB
fsr-3217	71	63	from	from	ADP
fsr-3217	71	64	their	their	PRON
fsr-3217	71	65	interactions	interaction	NOUN
fsr-3217	71	66	with	with	ADP
fsr-3217	71	67	financial	financial	ADJ
fsr-3217	71	68	advisers	adviser	NOUN
fsr-3217	71	69	.	.	PUNCT
fsr-3217	72	1	bucherkoenen	bucherkoenen	NOUN
fsr-3217	72	2	and	and	CCONJ
fsr-3217	72	3	lusardi	lusardi	PROPN
fsr-3217	72	4	(	(	PUNCT
fsr-3217	72	5	2011	2011	NUM
fsr-3217	72	6	)	)	PUNCT
fsr-3217	72	7	declare	declare	VERB
fsr-3217	72	8	that	that	SCONJ
fsr-3217	72	9	“	"	PUNCT
fsr-3217	72	10	those	those	PRON
fsr-3217	72	11	exposed	expose	VERB
fsr-3217	72	12	to	to	ADP
fsr-3217	72	13	financially	financially	ADV
fsr-3217	72	14	knowledgeable	knowledgeable	ADJ
fsr-3217	72	15	people	people	NOUN
fsr-3217	72	16	become	become	VERB
fsr-3217	72	17	more	more	ADV
fsr-3217	72	18	financially	financially	ADV
fsr-3217	72	19	knowledgeable	knowledgeable	ADJ
fsr-3217	72	20	themselves	themselves	PRON
fsr-3217	72	21	.	.	PUNCT
fsr-3217	72	22	”	"	PUNCT
fsr-3217	73	1	kolb	kolb	PROPN
fsr-3217	73	2	(	(	PUNCT
fsr-3217	73	3	1984	1984	NUM
fsr-3217	73	4	)	)	PUNCT
fsr-3217	73	5	,	,	PUNCT
fsr-3217	73	6	in	in	ADP
fsr-3217	73	7	the	the	DET
fsr-3217	73	8	education	education	NOUN
fsr-3217	73	9	literature	literature	NOUN
fsr-3217	73	10	known	know	VERB
fsr-3217	73	11	as	as	ADP
fsr-3217	73	12	the	the	DET
fsr-3217	73	13	“	"	PUNCT
fsr-3217	73	14	experiential	experiential	ADJ
fsr-3217	73	15	learning	learning	NOUN
fsr-3217	73	16	theory	theory	NOUN
fsr-3217	73	17	,	,	PUNCT
fsr-3217	73	18	”	"	PUNCT
fsr-3217	73	19	includes	include	VERB
fsr-3217	73	20	active	active	ADJ
fsr-3217	73	21	experimentation	experimentation	NOUN
fsr-3217	73	22	,	,	PUNCT
fsr-3217	73	23	education	education	NOUN
fsr-3217	73	24	,	,	PUNCT
fsr-3217	73	25	observation	observation	NOUN
fsr-3217	73	26	,	,	PUNCT
fsr-3217	73	27	and	and	CCONJ
fsr-3217	73	28	experience	experience	NOUN
fsr-3217	73	29	as	as	ADP
fsr-3217	73	30	essential	essential	ADJ
fsr-3217	73	31	components	component	NOUN
fsr-3217	73	32	in	in	ADP
fsr-3217	73	33	the	the	DET
fsr-3217	73	34	general	general	ADJ
fsr-3217	73	35	model	model	NOUN
fsr-3217	73	36	of	of	ADP
fsr-3217	73	37	learning	learning	NOUN
fsr-3217	73	38	.	.	PUNCT
fsr-3217	74	1	bandura	bandura	NOUN
fsr-3217	74	2	(	(	PUNCT
fsr-3217	74	3	1977	1977	NUM
fsr-3217	74	4	)	)	PUNCT
fsr-3217	74	5	identifies	identify	VERB
fsr-3217	74	6	observational	observational	ADJ
fsr-3217	74	7	learning	learning	NOUN
fsr-3217	74	8	as	as	ADP
fsr-3217	74	9	the	the	DET
fsr-3217	74	10	process	process	NOUN
fsr-3217	74	11	of	of	ADP
fsr-3217	74	12	social	social	ADJ
fsr-3217	74	13	interaction	interaction	NOUN
fsr-3217	74	14	impacting	impact	VERB
fsr-3217	74	15	the	the	DET
fsr-3217	74	16	knowledge	knowledge	NOUN
fsr-3217	74	17	of	of	ADP
fsr-3217	74	18	an	an	DET
fsr-3217	74	19	individual	individual	NOUN
fsr-3217	74	20	.	.	PUNCT
fsr-3217	75	1	therefore	therefore	ADV
fsr-3217	75	2	,	,	PUNCT
fsr-3217	75	3	individuals	individual	NOUN
fsr-3217	75	4	who	who	PRON
fsr-3217	75	5	use	use	VERB
fsr-3217	75	6	the	the	DET
fsr-3217	75	7	services	service	NOUN
fsr-3217	75	8	of	of	ADP
fsr-3217	75	9	a	a	DET
fsr-3217	75	10	financial	financial	ADJ
fsr-3217	75	11	adviser	adviser	NOUN
fsr-3217	75	12	are	be	AUX
fsr-3217	75	13	likely	likely	ADJ
fsr-3217	75	14	to	to	PART
fsr-3217	75	15	learn	learn	VERB
fsr-3217	75	16	from	from	ADP
fsr-3217	75	17	their	their	PRON
fsr-3217	75	18	interactions	interaction	NOUN
fsr-3217	75	19	,	,	PUNCT
fsr-3217	75	20	discussions	discussion	NOUN
fsr-3217	75	21	,	,	PUNCT
fsr-3217	75	22	experience	experience	NOUN
fsr-3217	75	23	,	,	PUNCT
fsr-3217	75	24	and	and	CCONJ
fsr-3217	75	25	financial	financial	ADJ
fsr-3217	75	26	outcomes	outcome	NOUN
fsr-3217	75	27	.	.	PUNCT
fsr-3217	76	1	there	there	PRON
fsr-3217	76	2	is	be	VERB
fsr-3217	76	3	similar	similar	ADJ
fsr-3217	76	4	literature	literature	NOUN
fsr-3217	76	5	that	that	PRON
fsr-3217	76	6	shows	show	VERB
fsr-3217	76	7	that	that	SCONJ
fsr-3217	76	8	individual	individual	ADJ
fsr-3217	76	9	’s	’s	PART
fsr-3217	76	10	financial	financial	ADJ
fsr-3217	76	11	literacy	literacy	NOUN
fsr-3217	76	12	improves	improve	VERB
fsr-3217	76	13	when	when	SCONJ
fsr-3217	76	14	their	their	PRON
fsr-3217	76	15	parents	parent	NOUN
fsr-3217	76	16	have	have	VERB
fsr-3217	76	17	higher	high	ADJ
fsr-3217	76	18	levels	level	NOUN
fsr-3217	76	19	of	of	ADP
fsr-3217	76	20	education	education	NOUN
fsr-3217	76	21	(	(	PUNCT
fsr-3217	76	22	lusardi	lusardi	PROPN
fsr-3217	76	23	,	,	PUNCT
fsr-3217	76	24	mitchell	mitchell	PROPN
fsr-3217	76	25	,	,	PUNCT
fsr-3217	76	26	and	and	CCONJ
fsr-3217	76	27	curto	curto	NOUN
fsr-3217	76	28	,	,	PUNCT
fsr-3217	76	29	2010	2010	NUM
fsr-3217	76	30	)	)	PUNCT
fsr-3217	76	31	,	,	PUNCT
fsr-3217	76	32	when	when	SCONJ
fsr-3217	76	33	they	they	PRON
fsr-3217	76	34	have	have	VERB
fsr-3217	76	35	financial	financial	ADJ
fsr-3217	76	36	experience	experience	NOUN
fsr-3217	76	37	(	(	PUNCT
fsr-3217	76	38	johnson	johnson	PROPN
fsr-3217	76	39	and	and	CCONJ
fsr-3217	76	40	sherraden	sherraden	NOUN
fsr-3217	76	41	,	,	PUNCT
fsr-3217	76	42	2007	2007	NUM
fsr-3217	76	43	)	)	PUNCT
fsr-3217	76	44	,	,	PUNCT
fsr-3217	76	45	and	and	CCONJ
fsr-3217	76	46	when	when	SCONJ
fsr-3217	76	47	they	they	PRON
fsr-3217	76	48	live	live	VERB
fsr-3217	76	49	in	in	ADP
fsr-3217	76	50	a	a	DET
fsr-3217	76	51	zip	zip	NOUN
fsr-3217	76	52	code	code	NOUN
fsr-3217	76	53	with	with	ADP
fsr-3217	76	54	higher	high	ADJ
fsr-3217	76	55	average	average	ADJ
fsr-3217	76	56	education	education	NOUN
fsr-3217	76	57	levels	level	NOUN
fsr-3217	76	58	(	(	PUNCT
fsr-3217	76	59	lachance	lachance	NOUN
fsr-3217	76	60	,	,	PUNCT
fsr-3217	76	61	2014	2014	NUM
fsr-3217	76	62	)	)	PUNCT
fsr-3217	76	63	.	.	PUNCT
fsr-3217	77	1	tang	tang	PROPN
fsr-3217	77	2	and	and	CCONJ
fsr-3217	77	3	peter	peter	PROPN
fsr-3217	77	4	(	(	PUNCT
fsr-3217	77	5	2015	2015	NUM
fsr-3217	77	6	)	)	PUNCT
fsr-3217	77	7	also	also	ADV
fsr-3217	77	8	show	show	VERB
fsr-3217	77	9	that	that	SCONJ
fsr-3217	77	10	financial	financial	ADJ
fsr-3217	77	11	education	education	NOUN
fsr-3217	77	12	,	,	PUNCT
fsr-3217	77	13	financial	financial	ADJ
fsr-3217	77	14	experience	experience	NOUN
fsr-3217	77	15	,	,	PUNCT
fsr-3217	77	16	and	and	CCONJ
fsr-3217	77	17	parent	parent	NOUN
fsr-3217	77	18	’s	’s	PART
fsr-3217	77	19	financial	financial	ADJ
fsr-3217	77	20	experience	experience	NOUN
fsr-3217	77	21	exert	exert	VERB
fsr-3217	77	22	positive	positive	ADJ
fsr-3217	77	23	influence	influence	NOUN
fsr-3217	77	24	on	on	ADP
fsr-3217	77	25	young	young	ADJ
fsr-3217	77	26	adult	adult	NOUN
fsr-3217	77	27	’s	’s	PART
fsr-3217	77	28	financial	financial	ADJ
fsr-3217	77	29	knowledge	knowledge	NOUN
fsr-3217	77	30	.	.	PUNCT
fsr-3217	78	1	however	however	ADV
fsr-3217	78	2	,	,	PUNCT
fsr-3217	78	3	there	there	PRON
fsr-3217	78	4	are	be	VERB
fsr-3217	78	5	no	no	DET
fsr-3217	78	6	studies	study	NOUN
fsr-3217	78	7	that	that	PRON
fsr-3217	78	8	examine	examine	VERB
fsr-3217	78	9	whether	whether	SCONJ
fsr-3217	78	10	financial	financial	ADJ
fsr-3217	78	11	advisers	adviser	NOUN
fsr-3217	78	12	have	have	VERB
fsr-3217	78	13	any	any	DET
fsr-3217	78	14	impact	impact	NOUN
fsr-3217	78	15	on	on	ADP
fsr-3217	78	16	the	the	DET
fsr-3217	78	17	financial	financial	ADJ
fsr-3217	78	18	literacy	literacy	NOUN
fsr-3217	78	19	of	of	ADP
fsr-3217	78	20	their	their	PRON
fsr-3217	78	21	clients	client	NOUN
fsr-3217	78	22	.	.	PUNCT
fsr-3217	79	1	we	we	PRON
fsr-3217	79	2	find	find	VERB
fsr-3217	79	3	that	that	SCONJ
fsr-3217	79	4	those	those	PRON
fsr-3217	79	5	who	who	PRON
fsr-3217	79	6	use	use	VERB
fsr-3217	79	7	financial	financial	ADJ
fsr-3217	79	8	advisers	adviser	NOUN
fsr-3217	79	9	answer	answer	VERB
fsr-3217	79	10	more	more	ADJ
fsr-3217	79	11	of	of	ADP
fsr-3217	79	12	the	the	DET
fsr-3217	79	13	financial	financial	ADJ
fsr-3217	79	14	literacy	literacy	NOUN
fsr-3217	79	15	questions	question	NOUN
fsr-3217	79	16	correctly	correctly	ADV
fsr-3217	79	17	compared	compare	VERB
fsr-3217	79	18	to	to	ADP
fsr-3217	79	19	those	those	PRON
fsr-3217	79	20	who	who	PRON
fsr-3217	79	21	do	do	AUX
fsr-3217	79	22	not	not	PART
fsr-3217	79	23	use	use	VERB
fsr-3217	79	24	financial	financial	ADJ
fsr-3217	79	25	advisers	adviser	NOUN
fsr-3217	79	26	,	,	PUNCT
fsr-3217	79	27	even	even	ADV
fsr-3217	79	28	when	when	SCONJ
fsr-3217	79	29	controlling	control	VERB
fsr-3217	79	30	for	for	ADP
fsr-3217	79	31	demographic	demographic	ADJ
fsr-3217	79	32	characteristics	characteristic	NOUN
fsr-3217	79	33	that	that	PRON
fsr-3217	79	34	are	be	AUX
fsr-3217	79	35	expected	expect	VERB
fsr-3217	79	36	to	to	PART
fsr-3217	79	37	impact	impact	VERB
fsr-3217	79	38	financial	financial	ADJ
fsr-3217	79	39	literacy	literacy	NOUN
fsr-3217	79	40	.	.	PUNCT
fsr-3217	80	1	we	we	PRON
fsr-3217	80	2	also	also	ADV
fsr-3217	80	3	control	control	VERB
fsr-3217	80	4	for	for	ADP
fsr-3217	80	5	previous	previous	ADJ
fsr-3217	80	6	financial	financial	ADJ
fsr-3217	80	7	education	education	NOUN
fsr-3217	80	8	received	receive	VERB
fsr-3217	80	9	that	that	PRON
fsr-3217	80	10	has	have	AUX
fsr-3217	80	11	already	already	ADV
fsr-3217	80	12	been	be	AUX
fsr-3217	80	13	shown	show	VERB
fsr-3217	80	14	to	to	PART
fsr-3217	80	15	be	be	AUX
fsr-3217	80	16	positively	positively	ADV
fsr-3217	80	17	related	relate	VERB
fsr-3217	80	18	to	to	ADP
fsr-3217	80	19	financial	financial	ADJ
fsr-3217	80	20	literacy	literacy	NOUN
fsr-3217	80	21	by	by	ADP
fsr-3217	80	22	grimes	grime	NOUN
fsr-3217	80	23	,	,	PUNCT
fsr-3217	80	24	rogers	roger	NOUN
fsr-3217	80	25	,	,	PUNCT
fsr-3217	80	26	and	and	CCONJ
fsr-3217	80	27	smith	smith	PROPN
fsr-3217	80	28	(	(	PUNCT
fsr-3217	80	29	2010	2010	NUM
fsr-3217	80	30	)	)	PUNCT
fsr-3217	80	31	,	,	PUNCT
fsr-3217	80	32	and	and	CCONJ
fsr-3217	80	33	walstad	walstad	PROPN
fsr-3217	80	34	,	,	PUNCT
fsr-3217	80	35	rebeck	rebeck	VERB
fsr-3217	80	36	,	,	PUNCT
fsr-3217	80	37	and	and	CCONJ
fsr-3217	80	38	macdonald	macdonald	PROPN
fsr-3217	80	39	(	(	PUNCT
fsr-3217	80	40	2010	2010	NUM
fsr-3217	80	41	)	)	PUNCT
fsr-3217	80	42	.	.	PUNCT
fsr-3217	81	1	when	when	SCONJ
fsr-3217	81	2	considering	consider	VERB
fsr-3217	81	3	the	the	DET
fsr-3217	81	4	different	different	ADJ
fsr-3217	81	5	financial	financial	ADJ
fsr-3217	81	6	adviser	adviser	NOUN
fsr-3217	81	7	types	type	NOUN
fsr-3217	81	8	separately	separately	ADV
fsr-3217	81	9	,	,	PUNCT
fsr-3217	81	10	we	we	PRON
fsr-3217	81	11	find	find	VERB
fsr-3217	81	12	that	that	SCONJ
fsr-3217	81	13	savings	saving	NOUN
fsr-3217	81	14	or	or	CCONJ
fsr-3217	81	15	investment	investment	NOUN
fsr-3217	81	16	advisers	adviser	NOUN
fsr-3217	81	17	have	have	VERB
fsr-3217	81	18	the	the	DET
fsr-3217	81	19	largest	large	ADJ
fsr-3217	81	20	positive	positive	ADJ
fsr-3217	81	21	impact	impact	NOUN
fsr-3217	81	22	on	on	ADP
fsr-3217	81	23	financial	financial	ADJ
fsr-3217	81	24	literacy	literacy	NOUN
fsr-3217	81	25	,	,	PUNCT
fsr-3217	81	26	followed	follow	VERB
fsr-3217	81	27	by	by	ADP
fsr-3217	81	28	mortgage	mortgage	NOUN
fsr-3217	81	29	or	or	CCONJ
fsr-3217	81	30	loan	loan	NOUN
fsr-3217	81	31	and	and	CCONJ
fsr-3217	81	32	insurance	insurance	NOUN
fsr-3217	81	33	advisers	adviser	NOUN
fsr-3217	81	34	,	,	PUNCT
fsr-3217	81	35	respectively	respectively	ADV
fsr-3217	81	36	.	.	PUNCT
fsr-3217	82	1	similar	similar	ADJ
fsr-3217	82	2	to	to	ADP
fsr-3217	82	3	results	result	NOUN
fsr-3217	82	4	reported	report	VERB
fsr-3217	82	5	by	by	ADP
fsr-3217	82	6	robb	robb	NOUN
fsr-3217	82	7	,	,	PUNCT
fsr-3217	82	8	babiarz	babiarz	NOUN
fsr-3217	82	9	,	,	PUNCT
fsr-3217	82	10	and	and	CCONJ
fsr-3217	82	11	woodyard	woodyard	PROPN
fsr-3217	82	12	(	(	PUNCT
fsr-3217	82	13	2012	2012	NUM
fsr-3217	82	14	)	)	PUNCT
fsr-3217	82	15	using	use	VERB
fsr-3217	82	16	the	the	DET
fsr-3217	82	17	2009	2009	NUM
fsr-3217	82	18	nfcs	nfc	NOUN
fsr-3217	82	19	survey	survey	NOUN
fsr-3217	82	20	,	,	PUNCT
fsr-3217	82	21	we	we	PRON
fsr-3217	82	22	also	also	ADV
fsr-3217	82	23	find	find	VERB
fsr-3217	82	24	a	a	DET
fsr-3217	82	25	negative	negative	ADJ
fsr-3217	82	26	relationship	relationship	NOUN
fsr-3217	82	27	between	between	ADP
fsr-3217	82	28	using	use	VERB
fsr-3217	82	29	debt	debt	NOUN
fsr-3217	82	30	counseling1	counseling1	NOUN
fsr-3217	82	31	advisers	adviser	NOUN
fsr-3217	82	32	and	and	CCONJ
fsr-3217	82	33	financial	financial	ADJ
fsr-3217	82	34	literacy	literacy	NOUN
fsr-3217	82	35	scores	score	NOUN
fsr-3217	82	36	.	.	PUNCT
fsr-3217	83	1	it	it	PRON
fsr-3217	83	2	is	be	AUX
fsr-3217	83	3	possible	possible	ADJ
fsr-3217	83	4	that	that	SCONJ
fsr-3217	83	5	people	people	NOUN
fsr-3217	83	6	having	have	VERB
fsr-3217	83	7	lower	low	ADJ
fsr-3217	83	8	financial	financial	ADJ
fsr-3217	83	9	literacy	literacy	NOUN
fsr-3217	83	10	get	get	VERB
fsr-3217	83	11	into	into	ADP
fsr-3217	83	12	debt	debt	NOUN
fsr-3217	83	13	and	and	CCONJ
fsr-3217	83	14	foreclosure	foreclosure	NOUN
fsr-3217	83	15	problems	problem	NOUN
fsr-3217	83	16	and	and	CCONJ
fsr-3217	83	17	because	because	SCONJ
fsr-3217	83	18	they	they	PRON
fsr-3217	83	19	are	be	AUX
fsr-3217	83	20	poor	poor	ADJ
fsr-3217	83	21	learners	learner	NOUN
fsr-3217	83	22	,	,	PUNCT
fsr-3217	83	23	they	they	PRON
fsr-3217	83	24	do	do	AUX
fsr-3217	83	25	not	not	PART
fsr-3217	83	26	learn	learn	VERB
fsr-3217	83	27	from	from	ADP
fsr-3217	83	28	their	their	PRON
fsr-3217	83	29	experience	experience	NOUN
fsr-3217	83	30	or	or	CCONJ
fsr-3217	83	31	interaction	interaction	NOUN
fsr-3217	83	32	with	with	ADP
fsr-3217	83	33	debt	debt	NOUN
fsr-3217	83	34	counselors	counselor	NOUN
fsr-3217	83	35	.	.	PUNCT
fsr-3217	84	1	it	it	PRON
fsr-3217	84	2	is	be	AUX
fsr-3217	84	3	also	also	ADV
fsr-3217	84	4	possible	possible	ADJ
fsr-3217	84	5	that	that	SCONJ
fsr-3217	84	6	debt	debt	NOUN
fsr-3217	84	7	counseling	counseling	NOUN
fsr-3217	84	8	services	service	NOUN
fsr-3217	84	9	do	do	AUX
fsr-3217	84	10	not	not	PART
fsr-3217	84	11	offer	offer	VERB
fsr-3217	84	12	opportunities	opportunity	NOUN
fsr-3217	84	13	to	to	PART
fsr-3217	84	14	expand	expand	VERB
fsr-3217	84	15	their	their	PRON
fsr-3217	84	16	client	client	NOUN
fsr-3217	84	17	’s	’s	PART
fsr-3217	84	18	financial	financial	ADJ
fsr-3217	84	19	literacy	literacy	NOUN
fsr-3217	84	20	in	in	ADP
fsr-3217	84	21	the	the	DET
fsr-3217	84	22	same	same	ADJ
fsr-3217	84	23	manner	manner	NOUN
fsr-3217	84	24	that	that	PRON
fsr-3217	84	25	savings	saving	NOUN
fsr-3217	84	26	and	and	CCONJ
fsr-3217	84	27	investments	investment	NOUN
fsr-3217	84	28	advisers	adviser	NOUN
fsr-3217	84	29	can	can	AUX
fsr-3217	84	30	since	since	SCONJ
fsr-3217	84	31	they	they	PRON
fsr-3217	84	32	advise	advise	VERB
fsr-3217	84	33	in	in	ADP
fsr-3217	84	34	multiple	multiple	ADJ
fsr-3217	84	35	areas	area	NOUN
fsr-3217	84	36	pertaining	pertain	VERB
fsr-3217	84	37	to	to	ADP
fsr-3217	84	38	personal	personal	ADJ
fsr-3217	84	39	financial	financial	ADJ
fsr-3217	84	40	planning	planning	NOUN
fsr-3217	84	41	.	.	PUNCT
fsr-3217	85	1	we	we	PRON
fsr-3217	85	2	also	also	ADV
fsr-3217	85	3	find	find	VERB
fsr-3217	85	4	tax	tax	NOUN
fsr-3217	85	5	planning	planning	NOUN
fsr-3217	85	6	advisers	adviser	NOUN
fsr-3217	85	7	do	do	AUX
fsr-3217	85	8	not	not	PART
fsr-3217	85	9	have	have	VERB
fsr-3217	85	10	a	a	DET
fsr-3217	85	11	significant	significant	ADJ
fsr-3217	85	12	impact	impact	NOUN
fsr-3217	85	13	on	on	ADP
fsr-3217	85	14	the	the	DET
fsr-3217	85	15	financial	financial	ADJ
fsr-3217	85	16	literacy	literacy	NOUN
fsr-3217	85	17	of	of	ADP
fsr-3217	85	18	their	their	PRON
fsr-3217	85	19	clients	client	NOUN
fsr-3217	85	20	as	as	SCONJ
fsr-3217	85	21	they	they	PRON
fsr-3217	85	22	specialize	specialize	VERB
fsr-3217	85	23	in	in	ADP
fsr-3217	85	24	tax	tax	NOUN
fsr-3217	85	25	advising	advising	NOUN
fsr-3217	85	26	that	that	PRON
fsr-3217	85	27	is	be	AUX
fsr-3217	85	28	not	not	PART
fsr-3217	85	29	necessarily	necessarily	ADV
fsr-3217	85	30	related	relate	VERB
fsr-3217	85	31	to	to	ADP
fsr-3217	85	32	financial	financial	ADJ
fsr-3217	85	33	literacy	literacy	NOUN
fsr-3217	85	34	topics	topic	NOUN
fsr-3217	85	35	covered	cover	VERB
fsr-3217	85	36	in	in	ADP
fsr-3217	85	37	the	the	DET
fsr-3217	85	38	questions	question	NOUN
fsr-3217	85	39	asked	ask	VERB
fsr-3217	85	40	.	.	PUNCT
fsr-3217	86	1	overall	overall	ADV
fsr-3217	86	2	,	,	PUNCT
fsr-3217	86	3	our	our	PRON
fsr-3217	86	4	results	result	NOUN
fsr-3217	86	5	indicate	indicate	VERB
fsr-3217	86	6	that	that	SCONJ
fsr-3217	86	7	financial	financial	ADJ
fsr-3217	86	8	advisers	adviser	NOUN
fsr-3217	86	9	are	be	AUX
fsr-3217	86	10	serving	serve	VERB
fsr-3217	86	11	more	more	ADJ
fsr-3217	86	12	financial	financial	ADJ
fsr-3217	86	13	consumers	consumer	NOUN
fsr-3217	86	14	in	in	ADP
fsr-3217	86	15	the	the	DET
fsr-3217	86	16	united	united	PROPN
fsr-3217	86	17	states	states	PROPN
fsr-3217	86	18	in	in	ADP
fsr-3217	86	19	recent	recent	ADJ
fsr-3217	86	20	years	year	NOUN
fsr-3217	86	21	,	,	PUNCT
fsr-3217	86	22	and	and	CCONJ
fsr-3217	86	23	a	a	DET
fsr-3217	86	24	positive	positive	ADJ
fsr-3217	86	25	relationship	relationship	NOUN
fsr-3217	86	26	exists	exist	VERB
fsr-3217	86	27	between	between	ADP
fsr-3217	86	28	using	use	VERB
fsr-3217	86	29	certain	certain	ADJ
fsr-3217	86	30	types	type	NOUN
fsr-3217	86	31	of	of	ADP
fsr-3217	86	32	financial	financial	ADJ
fsr-3217	86	33	advisers	adviser	NOUN
fsr-3217	86	34	and	and	CCONJ
fsr-3217	86	35	higher	high	ADJ
fsr-3217	86	36	financial	financial	ADJ
fsr-3217	86	37	literacy	literacy	NOUN
fsr-3217	86	38	levels	level	NOUN
fsr-3217	86	39	even	even	ADV
fsr-3217	86	40	when	when	SCONJ
fsr-3217	86	41	controlling	control	VERB
fsr-3217	86	42	for	for	ADP
fsr-3217	86	43	demographic	demographic	ADJ
fsr-3217	86	44	characteristics	characteristic	NOUN
fsr-3217	86	45	,	,	PUNCT
fsr-3217	86	46	such	such	ADJ
fsr-3217	86	47	as	as	ADP
fsr-3217	86	48	financial	financial	ADJ
fsr-3217	86	49	education	education	NOUN
fsr-3217	86	50	and	and	CCONJ
fsr-3217	86	51	education	education	NOUN
fsr-3217	86	52	levels	level	NOUN
fsr-3217	86	53	,	,	PUNCT
fsr-3217	86	54	that	that	PRON
fsr-3217	86	55	are	be	AUX
fsr-3217	86	56	known	know	VERB
fsr-3217	86	57	to	to	PART
fsr-3217	86	58	impact	impact	VERB
fsr-3217	86	59	financial	financial	ADJ
fsr-3217	86	60	literacy	literacy	NOUN
fsr-3217	86	61	.	.	PUNCT
fsr-3217	87	1	robb	robb	NOUN
fsr-3217	87	2	,	,	PUNCT
fsr-3217	87	3	babiarz	babiarz	NOUN
fsr-3217	87	4	,	,	PUNCT
fsr-3217	87	5	and	and	CCONJ
fsr-3217	87	6	woodyard	woodyard	PROPN
fsr-3217	87	7	,	,	PUNCT
fsr-3217	87	8	(	(	PUNCT
fsr-3217	87	9	2012	2012	NUM
fsr-3217	87	10	)	)	PUNCT
fsr-3217	87	11	and	and	CCONJ
fsr-3217	87	12	allgood	allgood	NOUN
fsr-3217	87	13	and	and	CCONJ
fsr-3217	87	14	walstad	walstad	NOUN
fsr-3217	87	15	(	(	PUNCT
fsr-3217	87	16	2016	2016	NUM
fsr-3217	87	17	)	)	PUNCT
fsr-3217	87	18	find	find	VERB
fsr-3217	87	19	financial	financial	ADJ
fsr-3217	87	20	literacy	literacy	NOUN
fsr-3217	87	21	influences	influence	VERB
fsr-3217	87	22	the	the	DET
fsr-3217	87	23	decision	decision	NOUN
fsr-3217	87	24	to	to	PART
fsr-3217	87	25	use	use	VERB
fsr-3217	87	26	a	a	DET
fsr-3217	87	27	financial	financial	ADJ
fsr-3217	87	28	adviser	adviser	NOUN
fsr-3217	87	29	.	.	PUNCT
fsr-3217	88	1	allgood	allgood	PROPN
fsr-3217	88	2	and	and	CCONJ
fsr-3217	88	3	walstad	walstad	PROPN
fsr-3217	88	4	(	(	PUNCT
fsr-3217	88	5	2016	2016	NUM
fsr-3217	88	6	)	)	PUNCT
fsr-3217	88	7	acknowledge	acknowledge	VERB
fsr-3217	88	8	that	that	SCONJ
fsr-3217	88	9	this	this	DET
fsr-3217	88	10	relationship	relationship	NOUN
fsr-3217	88	11	may	may	AUX
fsr-3217	88	12	reflect	reflect	VERB
fsr-3217	88	13	reverse	reverse	ADJ
fsr-3217	88	14	causality	causality	NOUN
fsr-3217	88	15	,	,	PUNCT
fsr-3217	88	16	but	but	CCONJ
fsr-3217	88	17	they	they	PRON
fsr-3217	88	18	largely	largely	ADV
fsr-3217	88	19	rule	rule	VERB
fsr-3217	88	20	this	this	DET
fsr-3217	88	21	possibility	possibility	NOUN
fsr-3217	88	22	out	out	ADP
fsr-3217	88	23	without	without	ADP
fsr-3217	88	24	actually	actually	ADV
fsr-3217	88	25	testing	test	VERB
fsr-3217	88	26	for	for	ADP
fsr-3217	88	27	reverse	reverse	ADJ
fsr-3217	88	28	causality	causality	NOUN
fsr-3217	88	29	.	.	PUNCT
fsr-3217	89	1	in	in	ADP
fsr-3217	89	2	this	this	DET
fsr-3217	89	3	study	study	NOUN
fsr-3217	89	4	,	,	PUNCT
fsr-3217	89	5	we	we	PRON
fsr-3217	89	6	examine	examine	VERB
fsr-3217	89	7	if	if	SCONJ
fsr-3217	89	8	131b	131b	PROPN
fsr-3217	89	9	.	.	PUNCT
fsr-3217	90	1	balasubramnian	balasubramnian	PROPN
fsr-3217	90	2	,	,	PUNCT
fsr-3217	90	3	e.r	e.r	PROPN
fsr-3217	90	4	.	.	NOUN
fsr-3217	90	5	brisker	brisk	ADJ
fsr-3217	90	6	/	/	SYM
fsr-3217	90	7	financial	financial	ADJ
fsr-3217	90	8	services	service	NOUN
fsr-3217	90	9	review	review	VERB
fsr-3217	90	10	25	25	NUM
fsr-3217	90	11	(	(	PUNCT
fsr-3217	90	12	2016	2016	NUM
fsr-3217	90	13	)	)	PUNCT
fsr-3217	90	14	127–155	127–155	NUM
fsr-3217	90	15	financial	financial	ADJ
fsr-3217	90	16	advisers	adviser	NOUN
fsr-3217	90	17	actually	actually	ADV
fsr-3217	90	18	do	do	AUX
fsr-3217	90	19	influence	influence	VERB
fsr-3217	90	20	the	the	DET
fsr-3217	90	21	financial	financial	ADJ
fsr-3217	90	22	literacy	literacy	NOUN
fsr-3217	90	23	of	of	ADP
fsr-3217	90	24	their	their	PRON
fsr-3217	90	25	clients	client	NOUN
fsr-3217	90	26	,	,	PUNCT
fsr-3217	90	27	and	and	CCONJ
fsr-3217	90	28	up	up	ADP
fsr-3217	90	29	to	to	ADP
fsr-3217	90	30	this	this	DET
fsr-3217	90	31	point	point	NOUN
fsr-3217	90	32	we	we	PRON
fsr-3217	90	33	have	have	AUX
fsr-3217	90	34	attempted	attempt	VERB
fsr-3217	90	35	to	to	PART
fsr-3217	90	36	control	control	VERB
fsr-3217	90	37	for	for	ADP
fsr-3217	90	38	demographic	demographic	ADJ
fsr-3217	90	39	characteristics	characteristic	NOUN
fsr-3217	90	40	that	that	PRON
fsr-3217	90	41	impact	impact	VERB
fsr-3217	90	42	financial	financial	ADJ
fsr-3217	90	43	literacy	literacy	NOUN
fsr-3217	90	44	,	,	PUNCT
fsr-3217	90	45	such	such	ADJ
fsr-3217	90	46	as	as	ADP
fsr-3217	90	47	age	age	NOUN
fsr-3217	90	48	,	,	PUNCT
fsr-3217	90	49	financial	financial	ADJ
fsr-3217	90	50	education	education	NOUN
fsr-3217	90	51	,	,	PUNCT
fsr-3217	90	52	and	and	CCONJ
fsr-3217	90	53	education	education	NOUN
fsr-3217	90	54	,	,	PUNCT
fsr-3217	90	55	and	and	CCONJ
fsr-3217	90	56	we	we	PRON
fsr-3217	90	57	still	still	ADV
fsr-3217	90	58	find	find	VERB
fsr-3217	90	59	a	a	DET
fsr-3217	90	60	statistically	statistically	ADV
fsr-3217	90	61	significant	significant	ADJ
fsr-3217	90	62	positive	positive	ADJ
fsr-3217	90	63	relationship	relationship	NOUN
fsr-3217	90	64	between	between	ADP
fsr-3217	90	65	financial	financial	ADJ
fsr-3217	90	66	literacy	literacy	NOUN
fsr-3217	90	67	and	and	CCONJ
fsr-3217	90	68	using	use	VERB
fsr-3217	90	69	financial	financial	ADJ
fsr-3217	90	70	advisers	adviser	NOUN
fsr-3217	90	71	.	.	PUNCT
fsr-3217	91	1	however	however	ADV
fsr-3217	91	2	,	,	PUNCT
fsr-3217	91	3	we	we	PRON
fsr-3217	91	4	have	have	AUX
fsr-3217	91	5	not	not	PART
fsr-3217	91	6	directly	directly	ADV
fsr-3217	91	7	dealt	deal	VERB
fsr-3217	91	8	with	with	ADP
fsr-3217	91	9	the	the	DET
fsr-3217	91	10	potential	potential	ADJ
fsr-3217	91	11	endogeneity	endogeneity	NOUN
fsr-3217	91	12	issues	issue	NOUN
fsr-3217	91	13	that	that	PRON
fsr-3217	91	14	may	may	AUX
fsr-3217	91	15	exist	exist	VERB
fsr-3217	91	16	between	between	ADP
fsr-3217	91	17	the	the	DET
fsr-3217	91	18	use	use	NOUN
fsr-3217	91	19	of	of	ADP
fsr-3217	91	20	financial	financial	ADJ
fsr-3217	91	21	advisers	adviser	NOUN
fsr-3217	91	22	and	and	CCONJ
fsr-3217	91	23	financial	financial	ADJ
fsr-3217	91	24	literacy	literacy	NOUN
fsr-3217	91	25	.	.	PUNCT
fsr-3217	92	1	we	we	PRON
fsr-3217	92	2	address	address	VERB
fsr-3217	92	3	this	this	DET
fsr-3217	92	4	potential	potential	ADJ
fsr-3217	92	5	endogeneity	endogeneity	NOUN
fsr-3217	92	6	issue	issue	NOUN
fsr-3217	92	7	by	by	ADP
fsr-3217	92	8	using	use	VERB
fsr-3217	92	9	instrumental	instrumental	ADJ
fsr-3217	92	10	variable	variable	NOUN
fsr-3217	92	11	(	(	PUNCT
fsr-3217	92	12	iv	iv	X
fsr-3217	92	13	)	)	PUNCT
fsr-3217	92	14	generalized	generalized	ADJ
fsr-3217	92	15	method	method	NOUN
fsr-3217	92	16	of	of	ADP
fsr-3217	92	17	moments	moment	NOUN
fsr-3217	92	18	(	(	PUNCT
fsr-3217	92	19	gmm	gmm	NOUN
fsr-3217	92	20	)	)	PUNCT
fsr-3217	92	21	and	and	CCONJ
fsr-3217	92	22	iv	iv	NUM
fsr-3217	92	23	probit	probit	NOUN
fsr-3217	92	24	models	model	NOUN
fsr-3217	92	25	where	where	SCONJ
fsr-3217	92	26	various	various	ADJ
fsr-3217	92	27	instruments	instrument	NOUN
fsr-3217	92	28	are	be	AUX
fsr-3217	92	29	used	use	VERB
fsr-3217	92	30	that	that	PRON
fsr-3217	92	31	are	be	AUX
fsr-3217	92	32	correlated	correlate	VERB
fsr-3217	92	33	with	with	ADP
fsr-3217	92	34	using	use	VERB
fsr-3217	92	35	a	a	DET
fsr-3217	92	36	specific	specific	ADJ
fsr-3217	92	37	type	type	NOUN
fsr-3217	92	38	of	of	ADP
fsr-3217	92	39	financial	financial	ADJ
fsr-3217	92	40	adviser	adviser	NOUN
fsr-3217	92	41	but	but	CCONJ
fsr-3217	92	42	uncorrelated	uncorrelate	VERB
fsr-3217	92	43	with	with	ADP
fsr-3217	92	44	financial	financial	ADJ
fsr-3217	92	45	literacy	literacy	NOUN
fsr-3217	92	46	.	.	PUNCT
fsr-3217	93	1	to	to	PART
fsr-3217	93	2	correct	correct	VERB
fsr-3217	93	3	for	for	ADP
fsr-3217	93	4	the	the	DET
fsr-3217	93	5	possibility	possibility	NOUN
fsr-3217	93	6	of	of	ADP
fsr-3217	93	7	a	a	DET
fsr-3217	93	8	confounding	confounding	ADJ
fsr-3217	93	9	variables	variable	NOUN
fsr-3217	93	10	problem	problem	NOUN
fsr-3217	93	11	in	in	ADP
fsr-3217	93	12	our	our	PRON
fsr-3217	93	13	base	base	NOUN
fsr-3217	93	14	-	-	PUNCT
fsr-3217	93	15	line	line	NOUN
fsr-3217	93	16	model	model	NOUN
fsr-3217	93	17	,	,	PUNCT
fsr-3217	93	18	we	we	PRON
fsr-3217	93	19	also	also	ADV
fsr-3217	93	20	conduct	conduct	VERB
fsr-3217	93	21	propensity	propensity	NOUN
fsr-3217	93	22	score	score	NOUN
fsr-3217	93	23	matching	matching	NOUN
fsr-3217	93	24	tests	test	NOUN
fsr-3217	93	25	where	where	SCONJ
fsr-3217	93	26	we	we	PRON
fsr-3217	93	27	match	match	VERB
fsr-3217	93	28	financial	financial	ADJ
fsr-3217	93	29	adviser	adviser	NOUN
fsr-3217	93	30	users	user	NOUN
fsr-3217	93	31	with	with	ADP
fsr-3217	93	32	non	non	NOUN
fsr-3217	93	33	-	-	NOUN
fsr-3217	93	34	users	user	NOUN
fsr-3217	93	35	having	have	VERB
fsr-3217	93	36	similar	similar	ADJ
fsr-3217	93	37	demographic	demographic	ADJ
fsr-3217	93	38	characteristics	characteristic	NOUN
fsr-3217	93	39	and	and	CCONJ
fsr-3217	93	40	then	then	ADV
fsr-3217	93	41	determine	determine	VERB
fsr-3217	93	42	how	how	SCONJ
fsr-3217	93	43	financial	financial	ADJ
fsr-3217	93	44	advisers	adviser	NOUN
fsr-3217	93	45	impact	impact	VERB
fsr-3217	93	46	financial	financial	ADJ
fsr-3217	93	47	literacy	literacy	NOUN
fsr-3217	93	48	using	use	VERB
fsr-3217	93	49	this	this	DET
fsr-3217	93	50	matched	match	VERB
fsr-3217	93	51	sample	sample	NOUN
fsr-3217	93	52	.	.	PUNCT
fsr-3217	94	1	we	we	PRON
fsr-3217	94	2	continue	continue	VERB
fsr-3217	94	3	to	to	PART
fsr-3217	94	4	find	find	VERB
fsr-3217	94	5	that	that	SCONJ
fsr-3217	94	6	savings	saving	NOUN
fsr-3217	94	7	or	or	CCONJ
fsr-3217	94	8	investments	investment	NOUN
fsr-3217	94	9	,	,	PUNCT
fsr-3217	94	10	mortgage	mortgage	NOUN
fsr-3217	94	11	or	or	CCONJ
fsr-3217	94	12	loan	loan	NOUN
fsr-3217	94	13	,	,	PUNCT
fsr-3217	94	14	and	and	CCONJ
fsr-3217	94	15	insurance	insurance	NOUN
fsr-3217	94	16	advisers	adviser	NOUN
fsr-3217	94	17	have	have	VERB
fsr-3217	94	18	a	a	DET
fsr-3217	94	19	positive	positive	ADJ
fsr-3217	94	20	influence	influence	NOUN
fsr-3217	94	21	on	on	ADP
fsr-3217	94	22	financial	financial	ADJ
fsr-3217	94	23	literacy	literacy	NOUN
fsr-3217	94	24	scores	score	NOUN
fsr-3217	94	25	,	,	PUNCT
fsr-3217	94	26	but	but	CCONJ
fsr-3217	94	27	tax	tax	NOUN
fsr-3217	94	28	planning	planning	NOUN
fsr-3217	94	29	advisers	adviser	NOUN
fsr-3217	94	30	have	have	VERB
fsr-3217	94	31	no	no	DET
fsr-3217	94	32	significant	significant	ADJ
fsr-3217	94	33	impact	impact	NOUN
fsr-3217	94	34	on	on	ADP
fsr-3217	94	35	financial	financial	ADJ
fsr-3217	94	36	literacy	literacy	NOUN
fsr-3217	94	37	scores	score	NOUN
fsr-3217	94	38	.	.	PUNCT
fsr-3217	95	1	however	however	ADV
fsr-3217	95	2	,	,	PUNCT
fsr-3217	95	3	we	we	PRON
fsr-3217	95	4	find	find	VERB
fsr-3217	95	5	that	that	SCONJ
fsr-3217	95	6	debt	debt	NOUN
fsr-3217	95	7	counseling	counseling	NOUN
fsr-3217	95	8	advisers	adviser	NOUN
fsr-3217	95	9	have	have	VERB
fsr-3217	95	10	a	a	DET
fsr-3217	95	11	negative	negative	ADJ
fsr-3217	95	12	influence	influence	NOUN
fsr-3217	95	13	on	on	ADP
fsr-3217	95	14	financial	financial	ADJ
fsr-3217	95	15	literacy	literacy	NOUN
fsr-3217	95	16	scores	score	NOUN
fsr-3217	95	17	when	when	SCONJ
fsr-3217	95	18	using	use	VERB
fsr-3217	95	19	iv	iv	NUM
fsr-3217	95	20	gmm	gmm	NOUN
fsr-3217	95	21	estimation	estimation	NOUN
fsr-3217	95	22	,	,	PUNCT
fsr-3217	95	23	but	but	CCONJ
fsr-3217	95	24	they	they	PRON
fsr-3217	95	25	have	have	VERB
fsr-3217	95	26	no	no	DET
fsr-3217	95	27	significant	significant	ADJ
fsr-3217	95	28	impact	impact	NOUN
fsr-3217	95	29	on	on	ADP
fsr-3217	95	30	financial	financial	ADJ
fsr-3217	95	31	literacy	literacy	NOUN
fsr-3217	95	32	scores	score	NOUN
fsr-3217	95	33	when	when	SCONJ
fsr-3217	95	34	using	use	VERB
fsr-3217	95	35	iv	iv	NUM
fsr-3217	95	36	probit	probit	NOUN
fsr-3217	95	37	estimation	estimation	NOUN
fsr-3217	95	38	.	.	PUNCT
fsr-3217	96	1	overall	overall	ADV
fsr-3217	96	2	,	,	PUNCT
fsr-3217	96	3	our	our	PRON
fsr-3217	96	4	results	result	NOUN
fsr-3217	96	5	remain	remain	VERB
fsr-3217	96	6	robust	robust	ADJ
fsr-3217	96	7	even	even	ADV
fsr-3217	96	8	when	when	SCONJ
fsr-3217	96	9	controlling	control	VERB
fsr-3217	96	10	for	for	ADP
fsr-3217	96	11	endogeneity	endogeneity	NOUN
fsr-3217	96	12	and	and	CCONJ
fsr-3217	96	13	confounding	confound	VERB
fsr-3217	96	14	variables	variable	NOUN
fsr-3217	96	15	issues	issue	NOUN
fsr-3217	96	16	indicating	indicate	VERB
fsr-3217	96	17	a	a	DET
fsr-3217	96	18	significant	significant	ADJ
fsr-3217	96	19	positive	positive	ADJ
fsr-3217	96	20	relationship	relationship	NOUN
fsr-3217	96	21	between	between	ADP
fsr-3217	96	22	financial	financial	ADJ
fsr-3217	96	23	literacy	literacy	NOUN
fsr-3217	96	24	and	and	CCONJ
fsr-3217	96	25	using	use	VERB
fsr-3217	96	26	savings	saving	NOUN
fsr-3217	96	27	or	or	CCONJ
fsr-3217	96	28	investments	investment	NOUN
fsr-3217	96	29	,	,	PUNCT
fsr-3217	96	30	mortgage	mortgage	NOUN
fsr-3217	96	31	or	or	CCONJ
fsr-3217	96	32	loan	loan	NOUN
fsr-3217	96	33	,	,	PUNCT
fsr-3217	96	34	and	and	CCONJ
fsr-3217	96	35	insurance	insurance	NOUN
fsr-3217	96	36	advisers	adviser	NOUN
fsr-3217	96	37	.	.	PUNCT
fsr-3217	97	1	we	we	PRON
fsr-3217	97	2	contribute	contribute	VERB
fsr-3217	97	3	to	to	ADP
fsr-3217	97	4	the	the	DET
fsr-3217	97	5	individual	individual	ADJ
fsr-3217	97	6	/	/	SYM
fsr-3217	97	7	household	household	NOUN
fsr-3217	97	8	financial	financial	ADJ
fsr-3217	97	9	literacy	literacy	NOUN
fsr-3217	97	10	literature	literature	NOUN
fsr-3217	97	11	by	by	ADP
fsr-3217	97	12	providing	provide	VERB
fsr-3217	97	13	evidence	evidence	NOUN
fsr-3217	97	14	that	that	SCONJ
fsr-3217	97	15	specific	specific	ADJ
fsr-3217	97	16	types	type	NOUN
fsr-3217	97	17	of	of	ADP
fsr-3217	97	18	financial	financial	ADJ
fsr-3217	97	19	advisers	adviser	NOUN
fsr-3217	97	20	have	have	AUX
fsr-3217	97	21	a	a	DET
fsr-3217	97	22	positive	positive	ADJ
fsr-3217	97	23	influence	influence	NOUN
fsr-3217	97	24	on	on	ADP
fsr-3217	97	25	financial	financial	ADJ
fsr-3217	97	26	literacy	literacy	NOUN
fsr-3217	97	27	.	.	PUNCT
fsr-3217	98	1	this	this	PRON
fsr-3217	98	2	suggests	suggest	VERB
fsr-3217	98	3	clients	client	NOUN
fsr-3217	98	4	learn	learn	VERB
fsr-3217	98	5	from	from	ADP
fsr-3217	98	6	their	their	PRON
fsr-3217	98	7	financial	financial	ADJ
fsr-3217	98	8	experience	experience	NOUN
fsr-3217	98	9	and	and	CCONJ
fsr-3217	98	10	interactions	interaction	NOUN
fsr-3217	98	11	with	with	ADP
fsr-3217	98	12	specific	specific	ADJ
fsr-3217	98	13	types	type	NOUN
fsr-3217	98	14	of	of	ADP
fsr-3217	98	15	financial	financial	ADJ
fsr-3217	98	16	advisers	adviser	NOUN
fsr-3217	98	17	rather	rather	ADV
fsr-3217	98	18	than	than	ADP
fsr-3217	98	19	just	just	ADV
fsr-3217	98	20	take	take	VERB
fsr-3217	98	21	advice	advice	NOUN
fsr-3217	98	22	from	from	ADP
fsr-3217	98	23	them	they	PRON
fsr-3217	98	24	.	.	PUNCT
fsr-3217	99	1	to	to	ADP
fsr-3217	99	2	the	the	DET
fsr-3217	99	3	best	good	ADJ
fsr-3217	99	4	of	of	ADP
fsr-3217	99	5	our	our	PRON
fsr-3217	99	6	knowledge	knowledge	NOUN
fsr-3217	99	7	,	,	PUNCT
fsr-3217	99	8	this	this	PRON
fsr-3217	99	9	is	be	AUX
fsr-3217	99	10	the	the	DET
fsr-3217	99	11	first	first	ADJ
fsr-3217	99	12	article	article	NOUN
fsr-3217	99	13	to	to	PART
fsr-3217	99	14	consider	consider	VERB
fsr-3217	99	15	the	the	DET
fsr-3217	99	16	impact	impact	NOUN
fsr-3217	99	17	financial	financial	ADJ
fsr-3217	99	18	advisers	adviser	NOUN
fsr-3217	99	19	have	have	VERB
fsr-3217	99	20	on	on	ADP
fsr-3217	99	21	the	the	DET
fsr-3217	99	22	financial	financial	ADJ
fsr-3217	99	23	literacy	literacy	NOUN
fsr-3217	99	24	of	of	ADP
fsr-3217	99	25	their	their	PRON
fsr-3217	99	26	clients	client	NOUN
fsr-3217	99	27	.	.	PUNCT
fsr-3217	100	1	the	the	DET
fsr-3217	100	2	remainder	remainder	NOUN
fsr-3217	100	3	of	of	ADP
fsr-3217	100	4	the	the	DET
fsr-3217	100	5	article	article	NOUN
fsr-3217	100	6	is	be	AUX
fsr-3217	100	7	organized	organize	VERB
fsr-3217	100	8	as	as	SCONJ
fsr-3217	100	9	follows	follow	VERB
fsr-3217	100	10	.	.	PUNCT
fsr-3217	101	1	section	section	NOUN
fsr-3217	101	2	2	2	NUM
fsr-3217	101	3	provides	provide	VERB
fsr-3217	101	4	details	detail	NOUN
fsr-3217	101	5	about	about	ADP
fsr-3217	101	6	the	the	DET
fsr-3217	101	7	finra	finra	PROPN
fsr-3217	101	8	nfcs	nfcs	PROPN
fsr-3217	101	9	2012	2012	NUM
fsr-3217	101	10	survey	survey	NOUN
fsr-3217	101	11	,	,	PUNCT
fsr-3217	101	12	and	and	CCONJ
fsr-3217	101	13	our	our	PRON
fsr-3217	101	14	multivariate	multivariate	NOUN
fsr-3217	101	15	analysis	analysis	NOUN
fsr-3217	101	16	empirical	empirical	ADJ
fsr-3217	101	17	results	result	NOUN
fsr-3217	101	18	are	be	AUX
fsr-3217	101	19	reported	report	VERB
fsr-3217	101	20	in	in	ADP
fsr-3217	101	21	section	section	NOUN
fsr-3217	101	22	3	3	NUM
fsr-3217	101	23	.	.	PUNCT
fsr-3217	101	24	section	section	NOUN
fsr-3217	101	25	4	4	NUM
fsr-3217	101	26	presents	present	VERB
fsr-3217	101	27	our	our	PRON
fsr-3217	101	28	iv	iv	NOUN
fsr-3217	101	29	models	model	NOUN
fsr-3217	101	30	and	and	CCONJ
fsr-3217	101	31	propensity	propensity	NOUN
fsr-3217	101	32	score	score	NOUN
fsr-3217	101	33	matching	matching	NOUN
fsr-3217	101	34	results	result	NOUN
fsr-3217	101	35	,	,	PUNCT
fsr-3217	101	36	and	and	CCONJ
fsr-3217	101	37	we	we	PRON
fsr-3217	101	38	conclude	conclude	VERB
fsr-3217	101	39	in	in	ADP
fsr-3217	101	40	section	section	NOUN
fsr-3217	101	41	5	5	NUM
fsr-3217	101	42	.	.	SYM
fsr-3217	101	43	2	2	NUM
fsr-3217	101	44	.	.	X
fsr-3217	101	45	data	datum	NOUN
fsr-3217	101	46	and	and	CCONJ
fsr-3217	101	47	descriptive	descriptive	ADJ
fsr-3217	101	48	analysis	analysis	NOUN
fsr-3217	101	49	2.1	2.1	NUM
fsr-3217	101	50	.	.	PUNCT
fsr-3217	102	1	finra	finra	NOUN
fsr-3217	102	2	2012	2012	NUM
fsr-3217	102	3	national	national	ADJ
fsr-3217	102	4	financial	financial	ADJ
fsr-3217	102	5	capability	capability	NOUN
fsr-3217	102	6	study	study	NOUN
fsr-3217	102	7	the	the	DET
fsr-3217	102	8	finra	finra	PROPN
fsr-3217	102	9	investor	investor	PROPN
fsr-3217	102	10	education	education	PROPN
fsr-3217	102	11	foundation	foundation	NOUN
fsr-3217	102	12	conducted	conduct	VERB
fsr-3217	102	13	the	the	DET
fsr-3217	102	14	state	state	NOUN
fsr-3217	102	15	-	-	PUNCT
fsr-3217	102	16	by	by	ADP
fsr-3217	102	17	-	-	PUNCT
fsr-3217	102	18	state	state	NOUN
fsr-3217	102	19	financial	financial	ADJ
fsr-3217	102	20	capability	capability	NOUN
fsr-3217	102	21	survey	survey	NOUN
fsr-3217	102	22	that	that	PRON
fsr-3217	102	23	was	be	AUX
fsr-3217	102	24	developed	develop	VERB
fsr-3217	102	25	in	in	ADP
fsr-3217	102	26	consultation	consultation	NOUN
fsr-3217	102	27	with	with	ADP
fsr-3217	102	28	the	the	DET
fsr-3217	102	29	u.s	u.s	PROPN
fsr-3217	102	30	.	.	PROPN
fsr-3217	102	31	department	department	PROPN
fsr-3217	102	32	of	of	ADP
fsr-3217	102	33	treasury	treasury	PROPN
fsr-3217	102	34	,	,	PUNCT
fsr-3217	102	35	the	the	DET
fsr-3217	102	36	president	president	NOUN
fsr-3217	102	37	’s	’s	PART
fsr-3217	102	38	advisory	advisory	ADJ
fsr-3217	102	39	council	council	NOUN
fsr-3217	102	40	on	on	ADP
fsr-3217	102	41	financial	financial	ADJ
fsr-3217	102	42	literacy	literacy	NOUN
fsr-3217	102	43	,	,	PUNCT
fsr-3217	102	44	and	and	CCONJ
fsr-3217	102	45	multidisciplinary	multidisciplinary	ADJ
fsr-3217	102	46	team	team	NOUN
fsr-3217	102	47	including	include	VERB
fsr-3217	102	48	academics	academic	NOUN
fsr-3217	102	49	and	and	CCONJ
fsr-3217	102	50	practitioners	practitioner	NOUN
fsr-3217	102	51	.	.	PUNCT
fsr-3217	103	1	the	the	DET
fsr-3217	103	2	data	datum	NOUN
fsr-3217	103	3	were	be	AUX
fsr-3217	103	4	collected	collect	VERB
fsr-3217	103	5	through	through	ADP
fsr-3217	103	6	an	an	DET
fsr-3217	103	7	online	online	ADJ
fsr-3217	103	8	survey	survey	NOUN
fsr-3217	103	9	of	of	ADP
fsr-3217	103	10	25,509	25,509	NUM
fsr-3217	103	11	adults	adult	NOUN
fsr-3217	103	12	(	(	PUNCT
fsr-3217	103	13	18	18	NUM
fsr-3217	103	14	�	�	NOUN
fsr-3217	103	15	)	)	PUNCT
fsr-3217	103	16	across	across	ADP
fsr-3217	103	17	the	the	DET
fsr-3217	103	18	united	united	PROPN
fsr-3217	103	19	states	states	PROPN
fsr-3217	103	20	,	,	PUNCT
fsr-3217	103	21	with	with	ADP
fsr-3217	103	22	approximately	approximately	ADV
fsr-3217	103	23	500	500	NUM
fsr-3217	103	24	respondents	respondent	NOUN
fsr-3217	103	25	per	per	ADP
fsr-3217	103	26	state	state	NOUN
fsr-3217	103	27	plus	plus	CCONJ
fsr-3217	103	28	the	the	DET
fsr-3217	103	29	district	district	NOUN
fsr-3217	103	30	of	of	ADP
fsr-3217	103	31	columbia	columbia	PROPN
fsr-3217	103	32	.	.	PUNCT
fsr-3217	104	1	the	the	DET
fsr-3217	104	2	survey	survey	NOUN
fsr-3217	104	3	was	be	AUX
fsr-3217	104	4	self	self	NOUN
fsr-3217	104	5	-	-	PUNCT
fsr-3217	104	6	administered	administer	VERB
fsr-3217	104	7	by	by	ADP
fsr-3217	104	8	respondents	respondent	NOUN
fsr-3217	104	9	on	on	ADP
fsr-3217	104	10	a	a	DET
fsr-3217	104	11	website	website	NOUN
fsr-3217	104	12	from	from	ADP
fsr-3217	104	13	132	132	NUM
fsr-3217	104	14	b.	b.	PROPN
fsr-3217	104	15	balasubramnian	balasubramnian	PROPN
fsr-3217	104	16	,	,	PUNCT
fsr-3217	104	17	e.r	e.r	PROPN
fsr-3217	104	18	.	.	NOUN
fsr-3217	104	19	brisker	brisk	ADJ
fsr-3217	104	20	/	/	SYM
fsr-3217	104	21	financial	financial	ADJ
fsr-3217	104	22	services	service	NOUN
fsr-3217	104	23	review	review	VERB
fsr-3217	104	24	25	25	NUM
fsr-3217	104	25	(	(	PUNCT
fsr-3217	104	26	2016	2016	NUM
fsr-3217	104	27	)	)	PUNCT
fsr-3217	104	28	127–155	127–155	NUM
fsr-3217	104	29	july	july	NOUN
fsr-3217	104	30	to	to	ADP
fsr-3217	104	31	october	october	PROPN
fsr-3217	104	32	of	of	ADP
fsr-3217	104	33	2012	2012	NUM
fsr-3217	104	34	and	and	CCONJ
fsr-3217	104	35	provides	provide	VERB
fsr-3217	104	36	an	an	DET
fsr-3217	104	37	unprecedented	unprecedented	ADJ
fsr-3217	104	38	set	set	NOUN
fsr-3217	104	39	of	of	ADP
fsr-3217	104	40	information	information	NOUN
fsr-3217	104	41	on	on	ADP
fsr-3217	104	42	financial	financial	ADJ
fsr-3217	104	43	behaviors	behavior	NOUN
fsr-3217	104	44	across	across	ADP
fsr-3217	104	45	the	the	DET
fsr-3217	104	46	united	united	PROPN
fsr-3217	104	47	states	states	PROPN
fsr-3217	104	48	.	.	PUNCT
fsr-3217	105	1	survey	survey	NOUN
fsr-3217	105	2	respondents	respondent	NOUN
fsr-3217	105	3	were	be	AUX
fsr-3217	105	4	asked	ask	VERB
fsr-3217	105	5	to	to	PART
fsr-3217	105	6	identify	identify	VERB
fsr-3217	105	7	several	several	ADJ
fsr-3217	105	8	demographic	demographic	ADJ
fsr-3217	105	9	characteristics	characteristic	NOUN
fsr-3217	105	10	such	such	ADJ
fsr-3217	105	11	as	as	ADP
fsr-3217	105	12	their	their	PRON
fsr-3217	105	13	gender	gender	NOUN
fsr-3217	105	14	,	,	PUNCT
fsr-3217	105	15	age	age	NOUN
fsr-3217	105	16	,	,	PUNCT
fsr-3217	105	17	ethnicity	ethnicity	NOUN
fsr-3217	105	18	,	,	PUNCT
fsr-3217	105	19	education	education	NOUN
fsr-3217	105	20	level	level	NOUN
fsr-3217	105	21	,	,	PUNCT
fsr-3217	105	22	marital	marital	ADJ
fsr-3217	105	23	status	status	NOUN
fsr-3217	105	24	,	,	PUNCT
fsr-3217	105	25	income	income	NOUN
fsr-3217	105	26	level	level	NOUN
fsr-3217	105	27	,	,	PUNCT
fsr-3217	105	28	employment	employment	NOUN
fsr-3217	105	29	status	status	NOUN
fsr-3217	105	30	,	,	PUNCT
fsr-3217	105	31	region	region	NOUN
fsr-3217	105	32	of	of	ADP
fsr-3217	105	33	the	the	DET
fsr-3217	105	34	united	united	PROPN
fsr-3217	105	35	states	states	PROPN
fsr-3217	105	36	they	they	PRON
fsr-3217	105	37	lived	live	VERB
fsr-3217	105	38	in	in	ADP
fsr-3217	105	39	,	,	PUNCT
fsr-3217	105	40	and	and	CCONJ
fsr-3217	105	41	if	if	SCONJ
fsr-3217	105	42	they	they	PRON
fsr-3217	105	43	have	have	AUX
fsr-3217	105	44	ever	ever	ADV
fsr-3217	105	45	received	receive	VERB
fsr-3217	105	46	a	a	DET
fsr-3217	105	47	financial	financial	ADJ
fsr-3217	105	48	education	education	NOUN
fsr-3217	105	49	in	in	ADP
fsr-3217	105	50	the	the	DET
fsr-3217	105	51	past	past	NOUN
fsr-3217	105	52	.	.	PUNCT
fsr-3217	106	1	they	they	PRON
fsr-3217	106	2	were	be	AUX
fsr-3217	106	3	also	also	ADV
fsr-3217	106	4	asked	ask	VERB
fsr-3217	106	5	if	if	SCONJ
fsr-3217	106	6	they	they	PRON
fsr-3217	106	7	have	have	AUX
fsr-3217	106	8	used	use	VERB
fsr-3217	106	9	a	a	DET
fsr-3217	106	10	debt	debt	NOUN
fsr-3217	106	11	counseling	counseling	NOUN
fsr-3217	106	12	,	,	PUNCT
fsr-3217	106	13	savings	saving	NOUN
fsr-3217	106	14	and	and	CCONJ
fsr-3217	106	15	investments	investment	NOUN
fsr-3217	106	16	,	,	PUNCT
fsr-3217	106	17	mortgage	mortgage	NOUN
fsr-3217	106	18	or	or	CCONJ
fsr-3217	106	19	loan	loan	NOUN
fsr-3217	106	20	,	,	PUNCT
fsr-3217	106	21	insurance	insurance	NOUN
fsr-3217	106	22	,	,	PUNCT
fsr-3217	106	23	or	or	CCONJ
fsr-3217	106	24	tax	tax	NOUN
fsr-3217	106	25	planning	planning	NOUN
fsr-3217	106	26	adviser	adviser	NOUN
fsr-3217	106	27	within	within	ADP
fsr-3217	106	28	the	the	DET
fsr-3217	106	29	past	past	ADJ
fsr-3217	106	30	five	five	NUM
fsr-3217	106	31	years	year	NOUN
fsr-3217	106	32	.	.	PUNCT
fsr-3217	107	1	available	available	ADJ
fsr-3217	107	2	responses	response	NOUN
fsr-3217	107	3	included	include	VERB
fsr-3217	107	4	yes	yes	INTJ
fsr-3217	107	5	,	,	PUNCT
fsr-3217	107	6	no	no	INTJ
fsr-3217	107	7	,	,	PUNCT
fsr-3217	107	8	do	do	AUX
fsr-3217	107	9	not	not	PART
fsr-3217	107	10	know	know	VERB
fsr-3217	107	11	,	,	PUNCT
fsr-3217	107	12	and	and	CCONJ
fsr-3217	107	13	prefer	prefer	VERB
fsr-3217	107	14	not	not	PART
fsr-3217	107	15	to	to	PART
fsr-3217	107	16	say	say	VERB
fsr-3217	107	17	.	.	PUNCT
fsr-3217	108	1	after	after	ADP
fsr-3217	108	2	limiting	limit	VERB
fsr-3217	108	3	our	our	PRON
fsr-3217	108	4	sample	sample	NOUN
fsr-3217	108	5	to	to	ADP
fsr-3217	108	6	respondents	respondent	NOUN
fsr-3217	108	7	who	who	PRON
fsr-3217	108	8	answered	answer	VERB
fsr-3217	108	9	either	either	ADV
fsr-3217	108	10	yes	yes	INTJ
fsr-3217	108	11	or	or	CCONJ
fsr-3217	108	12	no	no	NOUN
fsr-3217	108	13	for	for	ADP
fsr-3217	108	14	each	each	PRON
fsr-3217	108	15	of	of	ADP
fsr-3217	108	16	the	the	DET
fsr-3217	108	17	financial	financial	ADJ
fsr-3217	108	18	adviser	adviser	NOUN
fsr-3217	108	19	type	type	NOUN
fsr-3217	108	20	use	use	NOUN
fsr-3217	108	21	questions	question	NOUN
fsr-3217	108	22	we	we	PRON
fsr-3217	108	23	are	be	AUX
fsr-3217	108	24	left	leave	VERB
fsr-3217	108	25	with	with	ADP
fsr-3217	108	26	22,218	22,218	NUM
fsr-3217	108	27	out	out	ADP
fsr-3217	108	28	of	of	ADP
fsr-3217	108	29	the	the	DET
fsr-3217	108	30	25,509	25,509	NUM
fsr-3217	108	31	survey	survey	NOUN
fsr-3217	108	32	respondents	respondent	NOUN
fsr-3217	108	33	for	for	ADP
fsr-3217	108	34	our	our	PRON
fsr-3217	108	35	analysis	analysis	NOUN
fsr-3217	108	36	.	.	PUNCT
fsr-3217	109	1	out	out	ADP
fsr-3217	109	2	of	of	ADP
fsr-3217	109	3	these	these	DET
fsr-3217	109	4	22,218	22,218	NUM
fsr-3217	109	5	survey	survey	NOUN
fsr-3217	109	6	respondents	respondent	NOUN
fsr-3217	109	7	,	,	PUNCT
fsr-3217	109	8	53.4	53.4	NUM
fsr-3217	109	9	%	%	NOUN
fsr-3217	109	10	used	use	VERB
fsr-3217	109	11	at	at	ADP
fsr-3217	109	12	least	least	ADJ
fsr-3217	109	13	one	one	NUM
fsr-3217	109	14	of	of	ADP
fsr-3217	109	15	the	the	DET
fsr-3217	109	16	five	five	NUM
fsr-3217	109	17	types	type	NOUN
fsr-3217	109	18	of	of	ADP
fsr-3217	109	19	financial	financial	ADJ
fsr-3217	109	20	advisers	adviser	NOUN
fsr-3217	109	21	compared	compare	VERB
fsr-3217	109	22	with	with	ADP
fsr-3217	109	23	46.6	46.6	NUM
fsr-3217	109	24	%	%	NOUN
fsr-3217	109	25	that	that	PRON
fsr-3217	109	26	had	have	VERB
fsr-3217	109	27	not	not	PART
fsr-3217	109	28	.	.	PUNCT
fsr-3217	110	1	the	the	DET
fsr-3217	110	2	survey	survey	NOUN
fsr-3217	110	3	respondents	respondent	NOUN
fsr-3217	110	4	are	be	AUX
fsr-3217	110	5	also	also	ADV
fsr-3217	110	6	asked	ask	VERB
fsr-3217	110	7	five	five	NUM
fsr-3217	110	8	basic	basic	ADJ
fsr-3217	110	9	finance	finance	NOUN
fsr-3217	110	10	questions	question	NOUN
fsr-3217	110	11	designed	design	VERB
fsr-3217	110	12	by	by	ADP
fsr-3217	110	13	annamaria	annamaria	PROPN
fsr-3217	110	14	lusardi	lusardi	PROPN
fsr-3217	110	15	and	and	CCONJ
fsr-3217	110	16	olivia	olivia	PROPN
fsr-3217	110	17	s.	s.	PROPN
fsr-3217	110	18	mitchell	mitchell	PROPN
fsr-3217	110	19	to	to	PART
fsr-3217	110	20	assess	assess	VERB
fsr-3217	110	21	their	their	PRON
fsr-3217	110	22	financial	financial	ADJ
fsr-3217	110	23	literacy	literacy	NOUN
fsr-3217	110	24	.	.	PUNCT
fsr-3217	111	1	the	the	DET
fsr-3217	111	2	five	five	NUM
fsr-3217	111	3	questions	question	NOUN
fsr-3217	111	4	asked	ask	VERB
fsr-3217	111	5	are	be	AUX
fsr-3217	111	6	designed	design	VERB
fsr-3217	111	7	to	to	PART
fsr-3217	111	8	test	test	VERB
fsr-3217	111	9	the	the	DET
fsr-3217	111	10	individuals	individual	NOUN
fsr-3217	111	11	understanding	understanding	NOUN
fsr-3217	111	12	of	of	ADP
fsr-3217	111	13	basic	basic	ADJ
fsr-3217	111	14	concepts	concept	NOUN
fsr-3217	111	15	related	relate	VERB
fsr-3217	111	16	to	to	ADP
fsr-3217	111	17	the	the	DET
fsr-3217	111	18	time	time	NOUN
fsr-3217	111	19	value	value	NOUN
fsr-3217	111	20	of	of	ADP
fsr-3217	111	21	money	money	NOUN
fsr-3217	111	22	,	,	PUNCT
fsr-3217	111	23	interest	interest	NOUN
fsr-3217	111	24	rates	rate	NOUN
fsr-3217	111	25	,	,	PUNCT
fsr-3217	111	26	inflation	inflation	NOUN
fsr-3217	111	27	,	,	PUNCT
fsr-3217	111	28	and	and	CCONJ
fsr-3217	111	29	risk	risk	NOUN
fsr-3217	111	30	diversification	diversification	NOUN
fsr-3217	111	31	.	.	PUNCT
fsr-3217	112	1	these	these	DET
fsr-3217	112	2	questions	question	NOUN
fsr-3217	112	3	are	be	AUX
fsr-3217	112	4	widely	widely	ADV
fsr-3217	112	5	used	use	VERB
fsr-3217	112	6	as	as	ADP
fsr-3217	112	7	a	a	DET
fsr-3217	112	8	measure	measure	NOUN
fsr-3217	112	9	of	of	ADP
fsr-3217	112	10	financial	financial	ADJ
fsr-3217	112	11	literacy	literacy	NOUN
fsr-3217	112	12	in	in	ADP
fsr-3217	112	13	the	the	DET
fsr-3217	112	14	literature	literature	NOUN
fsr-3217	112	15	.	.	PUNCT
fsr-3217	113	1	we	we	PRON
fsr-3217	113	2	will	will	AUX
fsr-3217	113	3	use	use	VERB
fsr-3217	113	4	the	the	DET
fsr-3217	113	5	survey	survey	NOUN
fsr-3217	113	6	respondent	respondent	NOUN
fsr-3217	113	7	’s	’s	PART
fsr-3217	113	8	answers	answer	NOUN
fsr-3217	113	9	to	to	ADP
fsr-3217	113	10	these	these	DET
fsr-3217	113	11	five	five	NUM
fsr-3217	113	12	questions	question	NOUN
fsr-3217	113	13	to	to	PART
fsr-3217	113	14	measure	measure	VERB
fsr-3217	113	15	their	their	PRON
fsr-3217	113	16	financial	financial	ADJ
fsr-3217	113	17	literacy	literacy	NOUN
fsr-3217	113	18	level	level	NOUN
fsr-3217	113	19	.	.	PUNCT
fsr-3217	114	1	2.2	2.2	NUM
fsr-3217	114	2	.	.	PUNCT
fsr-3217	115	1	descriptive	descriptive	ADJ
fsr-3217	115	2	analysis	analysis	NOUN
fsr-3217	115	3	in	in	ADP
fsr-3217	115	4	table	table	NOUN
fsr-3217	115	5	2	2	NUM
fsr-3217	115	6	we	we	PRON
fsr-3217	115	7	report	report	VERB
fsr-3217	115	8	the	the	DET
fsr-3217	115	9	percentage	percentage	NOUN
fsr-3217	115	10	of	of	ADP
fsr-3217	115	11	each	each	DET
fsr-3217	115	12	demographic	demographic	ADJ
fsr-3217	115	13	characteristic	characteristic	ADJ
fsr-3217	115	14	group	group	NOUN
fsr-3217	115	15	that	that	PRON
fsr-3217	115	16	used	use	VERB
fsr-3217	115	17	at	at	ADP
fsr-3217	115	18	least	least	ADV
fsr-3217	115	19	one	one	NUM
fsr-3217	115	20	type	type	NOUN
fsr-3217	115	21	of	of	ADP
fsr-3217	115	22	financial	financial	ADJ
fsr-3217	115	23	adviser	adviser	NOUN
fsr-3217	115	24	in	in	ADP
fsr-3217	115	25	the	the	DET
fsr-3217	115	26	fa	fa	PROPN
fsr-3217	115	27	user	user	NOUN
fsr-3217	115	28	column	column	NOUN
fsr-3217	115	29	,	,	PUNCT
fsr-3217	115	30	and	and	CCONJ
fsr-3217	115	31	for	for	ADP
fsr-3217	115	32	each	each	DET
fsr-3217	115	33	specific	specific	ADJ
fsr-3217	115	34	type	type	NOUN
fsr-3217	115	35	of	of	ADP
fsr-3217	115	36	financial	financial	ADJ
fsr-3217	115	37	adviser	adviser	NOUN
fsr-3217	115	38	in	in	ADP
fsr-3217	115	39	the	the	DET
fsr-3217	115	40	debt	debt	NOUN
fsr-3217	115	41	counselor	counselor	NOUN
fsr-3217	115	42	,	,	PUNCT
fsr-3217	115	43	savings	saving	NOUN
fsr-3217	115	44	or	or	CCONJ
fsr-3217	115	45	investments	investment	NOUN
fsr-3217	115	46	,	,	PUNCT
fsr-3217	115	47	mortgage	mortgage	NOUN
fsr-3217	115	48	of	of	ADP
fsr-3217	115	49	loan	loan	NOUN
fsr-3217	115	50	,	,	PUNCT
fsr-3217	115	51	insurance	insurance	NOUN
fsr-3217	115	52	,	,	PUNCT
fsr-3217	115	53	and	and	CCONJ
fsr-3217	115	54	tax	tax	NOUN
fsr-3217	115	55	planning	planning	NOUN
fsr-3217	115	56	columns	column	NOUN
fsr-3217	115	57	.	.	PUNCT
fsr-3217	116	1	the	the	DET
fsr-3217	116	2	demographic	demographic	ADJ
fsr-3217	116	3	characteristics	characteristic	NOUN
fsr-3217	116	4	considered	consider	VERB
fsr-3217	116	5	are	be	AUX
fsr-3217	116	6	financial	financial	ADJ
fsr-3217	116	7	education	education	NOUN
fsr-3217	116	8	,	,	PUNCT
fsr-3217	116	9	gender	gender	NOUN
fsr-3217	116	10	,	,	PUNCT
fsr-3217	116	11	age	age	NOUN
fsr-3217	116	12	group	group	NOUN
fsr-3217	116	13	,	,	PUNCT
fsr-3217	116	14	ethnicity	ethnicity	NOUN
fsr-3217	116	15	,	,	PUNCT
fsr-3217	116	16	education	education	NOUN
fsr-3217	116	17	,	,	PUNCT
fsr-3217	116	18	marital	marital	ADJ
fsr-3217	116	19	status	status	NOUN
fsr-3217	116	20	,	,	PUNCT
fsr-3217	116	21	income	income	NOUN
fsr-3217	116	22	,	,	PUNCT
fsr-3217	116	23	employment	employment	NOUN
fsr-3217	116	24	,	,	PUNCT
fsr-3217	116	25	and	and	CCONJ
fsr-3217	116	26	region	region	NOUN
fsr-3217	116	27	.	.	PUNCT
fsr-3217	117	1	these	these	DET
fsr-3217	117	2	demographic	demographic	ADJ
fsr-3217	117	3	characteristics	characteristic	NOUN
fsr-3217	117	4	have	have	AUX
fsr-3217	117	5	been	be	AUX
fsr-3217	117	6	shown	show	VERB
fsr-3217	117	7	to	to	PART
fsr-3217	117	8	impact	impact	VERB
fsr-3217	117	9	personal	personal	ADJ
fsr-3217	117	10	financial	financial	ADJ
fsr-3217	117	11	behavior	behavior	NOUN
fsr-3217	117	12	and	and	CCONJ
fsr-3217	117	13	the	the	DET
fsr-3217	117	14	probability	probability	NOUN
fsr-3217	117	15	of	of	ADP
fsr-3217	117	16	using	use	VERB
fsr-3217	117	17	a	a	DET
fsr-3217	117	18	financial	financial	ADJ
fsr-3217	117	19	adviser	adviser	NOUN
fsr-3217	117	20	when	when	SCONJ
fsr-3217	117	21	making	make	VERB
fsr-3217	117	22	financial	financial	ADJ
fsr-3217	117	23	decisions	decision	NOUN
fsr-3217	117	24	(	(	PUNCT
fsr-3217	117	25	barber	barber	NOUN
fsr-3217	117	26	and	and	CCONJ
fsr-3217	117	27	odean	odean	ADJ
fsr-3217	117	28	,	,	PUNCT
fsr-3217	117	29	2001	2001	NUM
fsr-3217	117	30	;	;	PUNCT
fsr-3217	117	31	elmerick	elmerick	PROPN
fsr-3217	117	32	,	,	PUNCT
fsr-3217	117	33	montalto	montalto	NOUN
fsr-3217	117	34	,	,	PUNCT
fsr-3217	117	35	and	and	CCONJ
fsr-3217	117	36	fox	fox	PROPN
fsr-3217	117	37	,	,	PUNCT
fsr-3217	117	38	2002	2002	NUM
fsr-3217	117	39	)	)	PUNCT
fsr-3217	117	40	.	.	PUNCT
fsr-3217	118	1	we	we	PRON
fsr-3217	118	2	report	report	VERB
fsr-3217	118	3	t	t	NOUN
fsr-3217	118	4	-	-	PUNCT
fsr-3217	118	5	stats	stat	NOUN
fsr-3217	118	6	indicating	indicate	VERB
fsr-3217	118	7	the	the	DET
fsr-3217	118	8	significance	significance	NOUN
fsr-3217	118	9	in	in	ADP
fsr-3217	118	10	the	the	DET
fsr-3217	118	11	difference	difference	NOUN
fsr-3217	118	12	between	between	ADP
fsr-3217	118	13	the	the	DET
fsr-3217	118	14	two	two	NUM
fsr-3217	118	15	identified	identify	VERB
fsr-3217	118	16	groups	group	NOUN
fsr-3217	118	17	within	within	ADP
fsr-3217	118	18	each	each	DET
fsr-3217	118	19	demographic	demographic	ADJ
fsr-3217	118	20	characteristic	characteristic	NOUN
fsr-3217	118	21	.	.	PUNCT
fsr-3217	119	1	we	we	PRON
fsr-3217	119	2	find	find	VERB
fsr-3217	119	3	a	a	DET
fsr-3217	119	4	large	large	ADJ
fsr-3217	119	5	variation	variation	NOUN
fsr-3217	119	6	in	in	ADP
fsr-3217	119	7	the	the	DET
fsr-3217	119	8	percentage	percentage	NOUN
fsr-3217	119	9	of	of	ADP
fsr-3217	119	10	individuals	individual	NOUN
fsr-3217	119	11	using	use	VERB
fsr-3217	119	12	at	at	ADV
fsr-3217	119	13	least	least	ADV
fsr-3217	119	14	one	one	NUM
fsr-3217	119	15	type	type	NOUN
fsr-3217	119	16	of	of	ADP
fsr-3217	119	17	financial	financial	ADJ
fsr-3217	119	18	adviser	adviser	NOUN
fsr-3217	119	19	based	base	VERB
fsr-3217	119	20	on	on	ADP
fsr-3217	119	21	their	their	PRON
fsr-3217	119	22	education	education	NOUN
fsr-3217	119	23	and	and	CCONJ
fsr-3217	119	24	income	income	NOUN
fsr-3217	119	25	levels	level	NOUN
fsr-3217	119	26	.	.	PUNCT
fsr-3217	120	1	there	there	PRON
fsr-3217	120	2	is	be	VERB
fsr-3217	120	3	a	a	DET
fsr-3217	120	4	much	much	ADV
fsr-3217	120	5	larger	large	ADJ
fsr-3217	120	6	percentage	percentage	NOUN
fsr-3217	120	7	of	of	ADP
fsr-3217	120	8	individuals	individual	NOUN
fsr-3217	120	9	using	use	VERB
fsr-3217	120	10	financial	financial	ADJ
fsr-3217	120	11	advisers	adviser	NOUN
fsr-3217	120	12	who	who	PRON
fsr-3217	120	13	are	be	AUX
fsr-3217	120	14	either	either	CCONJ
fsr-3217	120	15	a	a	DET
fsr-3217	120	16	college	college	NOUN
fsr-3217	120	17	graduate	graduate	NOUN
fsr-3217	120	18	(	(	PUNCT
fsr-3217	120	19	62.9	62.9	NUM
fsr-3217	120	20	%	%	NOUN
fsr-3217	120	21	)	)	PUNCT
fsr-3217	120	22	or	or	CCONJ
fsr-3217	120	23	have	have	AUX
fsr-3217	120	24	post	post	VERB
fsr-3217	120	25	graduate	graduate	PROPN
fsr-3217	120	26	college	college	NOUN
fsr-3217	120	27	(	(	PUNCT
fsr-3217	120	28	69.7	69.7	NUM
fsr-3217	120	29	%	%	NOUN
fsr-3217	120	30	)	)	PUNCT
fsr-3217	120	31	compared	compare	VERB
fsr-3217	120	32	with	with	ADP
fsr-3217	120	33	those	those	PRON
fsr-3217	120	34	who	who	PRON
fsr-3217	120	35	have	have	AUX
fsr-3217	120	36	either	either	CCONJ
fsr-3217	120	37	completed	complete	VERB
fsr-3217	120	38	high	high	ADJ
fsr-3217	120	39	school	school	NOUN
fsr-3217	120	40	(	(	PUNCT
fsr-3217	120	41	44	44	NUM
fsr-3217	120	42	%	%	NOUN
fsr-3217	120	43	)	)	PUNCT
fsr-3217	120	44	or	or	CCONJ
fsr-3217	120	45	less	less	ADJ
fsr-3217	120	46	than	than	ADP
fsr-3217	120	47	high	high	ADJ
fsr-3217	120	48	school	school	NOUN
fsr-3217	120	49	(	(	PUNCT
fsr-3217	120	50	30.4	30.4	NUM
fsr-3217	120	51	%	%	NOUN
fsr-3217	120	52	)	)	PUNCT
fsr-3217	120	53	.	.	PUNCT
fsr-3217	121	1	not	not	PART
fsr-3217	121	2	surprisingly	surprisingly	ADV
fsr-3217	121	3	,	,	PUNCT
fsr-3217	121	4	we	we	PRON
fsr-3217	121	5	also	also	ADV
fsr-3217	121	6	find	find	VERB
fsr-3217	121	7	that	that	SCONJ
fsr-3217	121	8	that	that	SCONJ
fsr-3217	121	9	there	there	PRON
fsr-3217	121	10	is	be	VERB
fsr-3217	121	11	a	a	DET
fsr-3217	121	12	monotonic	monotonic	ADJ
fsr-3217	121	13	increase	increase	NOUN
fsr-3217	121	14	in	in	ADP
fsr-3217	121	15	the	the	DET
fsr-3217	121	16	percentage	percentage	NOUN
fsr-3217	121	17	of	of	ADP
fsr-3217	121	18	financial	financial	ADJ
fsr-3217	121	19	adviser	adviser	NOUN
fsr-3217	121	20	users	user	NOUN
fsr-3217	121	21	across	across	ADP
fsr-3217	121	22	higher	high	ADJ
fsr-3217	121	23	income	income	NOUN
fsr-3217	121	24	levels	level	NOUN
fsr-3217	121	25	.	.	PUNCT
fsr-3217	122	1	for	for	ADP
fsr-3217	122	2	instance	instance	NOUN
fsr-3217	122	3	,	,	PUNCT
fsr-3217	122	4	75.1	75.1	NUM
fsr-3217	122	5	%	%	NOUN
fsr-3217	122	6	of	of	ADP
fsr-3217	122	7	those	those	PRON
fsr-3217	122	8	earning	earn	VERB
fsr-3217	122	9	more	more	ADJ
fsr-3217	122	10	than	than	ADP
fsr-3217	122	11	$	$	SYM
fsr-3217	122	12	150,000	150,000	NUM
fsr-3217	122	13	used	use	VERB
fsr-3217	122	14	a	a	DET
fsr-3217	122	15	financial	financial	ADJ
fsr-3217	122	16	adviser	adviser	NOUN
fsr-3217	122	17	compared	compare	VERB
fsr-3217	122	18	with	with	ADP
fsr-3217	122	19	only	only	ADV
fsr-3217	122	20	40.3	40.3	NUM
fsr-3217	122	21	%	%	NOUN
fsr-3217	122	22	of	of	ADP
fsr-3217	122	23	those	those	PRON
fsr-3217	122	24	earning	earn	VERB
fsr-3217	122	25	$	$	SYM
fsr-3217	122	26	15,000	15,000	NUM
fsr-3217	122	27	to	to	PART
fsr-3217	122	28	$	$	SYM
fsr-3217	122	29	24,999	24,999	NUM
fsr-3217	122	30	.	.	PUNCT
fsr-3217	123	1	when	when	SCONJ
fsr-3217	123	2	considering	consider	VERB
fsr-3217	123	3	the	the	DET
fsr-3217	123	4	specific	specific	ADJ
fsr-3217	123	5	finance	finance	NOUN
fsr-3217	123	6	adviser	adviser	NOUN
fsr-3217	123	7	types	type	NOUN
fsr-3217	123	8	,	,	PUNCT
fsr-3217	123	9	we	we	PRON
fsr-3217	123	10	find	find	VERB
fsr-3217	123	11	that	that	SCONJ
fsr-3217	123	12	a	a	DET
fsr-3217	123	13	larger	large	ADJ
fsr-3217	123	14	percentage	percentage	NOUN
fsr-3217	123	15	of	of	ADP
fsr-3217	123	16	individuals	individual	NOUN
fsr-3217	123	17	falling	fall	VERB
fsr-3217	123	18	in	in	ADP
fsr-3217	123	19	lower	low	ADJ
fsr-3217	123	20	income	income	NOUN
fsr-3217	123	21	categories	category	NOUN
fsr-3217	123	22	and	and	CCONJ
fsr-3217	123	23	younger	young	ADJ
fsr-3217	123	24	age	age	NOUN
fsr-3217	123	25	groups	group	NOUN
fsr-3217	123	26	reported	report	VERB
fsr-3217	123	27	using	use	VERB
fsr-3217	123	28	debt	debt	NOUN
fsr-3217	123	29	counselors	counselor	NOUN
fsr-3217	123	30	.	.	PUNCT
fsr-3217	124	1	we	we	PRON
fsr-3217	124	2	find	find	VERB
fsr-3217	124	3	a	a	DET
fsr-3217	124	4	larger	large	ADJ
fsr-3217	124	5	percentage	percentage	NOUN
fsr-3217	124	6	of	of	ADP
fsr-3217	124	7	individuals	individual	NOUN
fsr-3217	124	8	in	in	ADP
fsr-3217	124	9	lower	low	ADJ
fsr-3217	124	10	age	age	NOUN
fsr-3217	124	11	groups	group	NOUN
fsr-3217	124	12	and	and	CCONJ
fsr-3217	124	13	higher	high	ADJ
fsr-3217	124	14	income	income	NOUN
fsr-3217	124	15	levels	level	NOUN
fsr-3217	124	16	used	use	VERB
fsr-3217	124	17	mortgage	mortgage	NOUN
fsr-3217	124	18	or	or	CCONJ
fsr-3217	124	19	loan	loan	NOUN
fsr-3217	124	20	advisers	adviser	NOUN
fsr-3217	124	21	.	.	PUNCT
fsr-3217	125	1	there	there	PRON
fsr-3217	125	2	are	be	VERB
fsr-3217	125	3	also	also	ADV
fsr-3217	125	4	a	a	DET
fsr-3217	125	5	larger	large	ADJ
fsr-3217	125	6	percentage	percentage	NOUN
fsr-3217	125	7	of	of	ADP
fsr-3217	125	8	individuals	individual	NOUN
fsr-3217	125	9	falling	fall	VERB
fsr-3217	125	10	in	in	ADP
fsr-3217	125	11	higher	high	ADJ
fsr-3217	125	12	age	age	NOUN
fsr-3217	125	13	groups	group	NOUN
fsr-3217	125	14	,	,	PUNCT
fsr-3217	125	15	higher	high	ADJ
fsr-3217	125	16	education	education	NOUN
fsr-3217	125	17	levels	level	NOUN
fsr-3217	125	18	,	,	PUNCT
fsr-3217	125	19	and	and	CCONJ
fsr-3217	125	20	higher	high	ADJ
fsr-3217	125	21	income	income	NOUN
fsr-3217	125	22	levels	level	NOUN
fsr-3217	125	23	133b	133b	NUM
fsr-3217	125	24	.	.	PUNCT
fsr-3217	126	1	balasubramnian	balasubramnian	PROPN
fsr-3217	126	2	,	,	PUNCT
fsr-3217	126	3	e.r	e.r	PROPN
fsr-3217	126	4	.	.	NOUN
fsr-3217	126	5	brisker	brisk	ADJ
fsr-3217	126	6	/	/	SYM
fsr-3217	126	7	financial	financial	ADJ
fsr-3217	126	8	services	service	NOUN
fsr-3217	126	9	review	review	VERB
fsr-3217	126	10	25	25	NUM
fsr-3217	126	11	(	(	PUNCT
fsr-3217	126	12	2016	2016	NUM
fsr-3217	126	13	)	)	PUNCT
fsr-3217	126	14	127–155	127–155	NUM
fsr-3217	126	15	table	table	NOUN
fsr-3217	126	16	2	2	NUM
fsr-3217	126	17	percent	percent	NOUN
fsr-3217	126	18	of	of	ADP
fsr-3217	126	19	individuals	individual	NOUN
fsr-3217	126	20	that	that	PRON
fsr-3217	126	21	use	use	VERB
fsr-3217	126	22	financial	financial	ADJ
fsr-3217	126	23	advisers	adviser	NOUN
fsr-3217	126	24	fa	fa	PROPN
fsr-3217	126	25	user	user	NOUN
fsr-3217	126	26	debt	debt	NOUN
fsr-3217	126	27	counseling	counsel	VERB
fsr-3217	126	28	savings	saving	NOUN
fsr-3217	126	29	or	or	CCONJ
fsr-3217	126	30	investments	investment	NOUN
fsr-3217	126	31	mortgage	mortgage	NOUN
fsr-3217	126	32	or	or	CCONJ
fsr-3217	126	33	loan	loan	NOUN
fsr-3217	126	34	insurance	insurance	NOUN
fsr-3217	126	35	tax	tax	NOUN
fsr-3217	126	36	planning	planning	NOUN
fsr-3217	126	37	total	total	ADJ
fsr-3217	126	38	%	%	NOUN
fsr-3217	126	39	using	use	VERB
fsr-3217	126	40	53.4	53.4	NUM
fsr-3217	126	41	%	%	NOUN
fsr-3217	126	42	8.8	8.8	NUM
fsr-3217	126	43	%	%	NOUN
fsr-3217	126	44	31.6	31.6	NUM
fsr-3217	126	45	%	%	NOUN
fsr-3217	126	46	22.1	22.1	NUM
fsr-3217	126	47	%	%	NOUN
fsr-3217	126	48	32.9	32.9	NUM
fsr-3217	126	49	%	%	NOUN
fsr-3217	126	50	19.9	19.9	NUM
fsr-3217	126	51	%	%	NOUN
fsr-3217	126	52	financial	financial	ADJ
fsr-3217	126	53	education	education	NOUN
fsr-3217	126	54	taken	take	VERB
fsr-3217	126	55	65.6	65.6	NUM
fsr-3217	126	56	11.5	11.5	NUM
fsr-3217	126	57	42.4	42.4	NUM
fsr-3217	126	58	29.5	29.5	NUM
fsr-3217	126	59	42.9	42.9	NUM
fsr-3217	126	60	27.9	27.9	NUM
fsr-3217	126	61	not	not	PART
fsr-3217	126	62	taken	take	VERB
fsr-3217	126	63	49.8	49.8	NUM
fsr-3217	126	64	8.0	8.0	NUM
fsr-3217	126	65	28.4	28.4	NUM
fsr-3217	126	66	19.9	19.9	NUM
fsr-3217	126	67	29.9	29.9	NUM
fsr-3217	126	68	17.5	17.5	NUM
fsr-3217	126	69	taken	take	VERB
fsr-3217	126	70	not	not	PART
fsr-3217	126	71	taken	take	VERB
fsr-3217	126	72	t	t	PROPN
fsr-3217	126	73	test	test	NOUN
fsr-3217	126	74	20.70	20.70	NUM
fsr-3217	126	75	*	*	PUNCT
fsr-3217	126	76	*	*	PUNCT
fsr-3217	126	77	*	*	PUNCT
fsr-3217	126	78	7.23	7.23	NUM
fsr-3217	126	79	*	*	PUNCT
fsr-3217	126	80	*	*	PUNCT
fsr-3217	126	81	*	*	PUNCT
fsr-3217	126	82	18.15	18.15	NUM
fsr-3217	126	83	*	*	PUNCT
fsr-3217	126	84	*	*	PUNCT
fsr-3217	126	85	*	*	PUNCT
fsr-3217	127	1	13.58	13.58	NUM
fsr-3217	127	2	*	*	PUNCT
fsr-3217	127	3	*	*	PUNCT
fsr-3217	127	4	*	*	PUNCT
fsr-3217	127	5	16.70	16.70	NUM
fsr-3217	127	6	*	*	PUNCT
fsr-3217	127	7	*	*	PUNCT
fsr-3217	127	8	*	*	PUNCT
fsr-3217	127	9	15.01	15.01	NUM
fsr-3217	127	10	*	*	PUNCT
fsr-3217	127	11	*	*	PUNCT
fsr-3217	127	12	*	*	PUNCT
fsr-3217	127	13	gender	gender	NOUN
fsr-3217	127	14	male	male	NOUN
fsr-3217	127	15	54.3	54.3	NUM
fsr-3217	127	16	8.6	8.6	NUM
fsr-3217	127	17	33.8	33.8	NUM
fsr-3217	127	18	23.3	23.3	NUM
fsr-3217	127	19	33.2	33.2	NUM
fsr-3217	127	20	21.5	21.5	NUM
fsr-3217	127	21	female	female	NOUN
fsr-3217	127	22	52.7	52.7	NUM
fsr-3217	127	23	8.9	8.9	NUM
fsr-3217	127	24	29.9	29.9	NUM
fsr-3217	127	25	21.2	21.2	NUM
fsr-3217	127	26	32.7	32.7	NUM
fsr-3217	127	27	18.6	18.6	NUM
fsr-3217	127	28	male	male	ADJ
fsr-3217	127	29	female	female	ADJ
fsr-3217	127	30	t	t	PROPN
fsr-3217	127	31	test	test	NOUN
fsr-3217	127	32	2.29	2.29	NUM
fsr-3217	127	33	*	*	NOUN
fsr-3217	127	34	*	*	PUNCT
fsr-3217	127	35	�	�	PROPN
fsr-3217	127	36	0.72	0.72	NUM
fsr-3217	127	37	6.16	6.16	NUM
fsr-3217	127	38	*	*	PUNCT
fsr-3217	127	39	*	*	PUNCT
fsr-3217	127	40	*	*	PUNCT
fsr-3217	127	41	3.81	3.81	NUM
fsr-3217	127	42	*	*	PUNCT
fsr-3217	127	43	*	*	PUNCT
fsr-3217	127	44	*	*	PUNCT
fsr-3217	127	45	0.71	0.71	NUM
fsr-3217	127	46	5.38	5.38	NUM
fsr-3217	127	47	*	*	PUNCT
fsr-3217	127	48	*	*	PUNCT
fsr-3217	127	49	*	*	PUNCT
fsr-3217	127	50	age	age	NOUN
fsr-3217	127	51	group	group	NOUN
fsr-3217	127	52	18–24	18–24	NUM
fsr-3217	127	53	43.7	43.7	NUM
fsr-3217	127	54	9.0	9.0	NUM
fsr-3217	127	55	26.1	26.1	NUM
fsr-3217	127	56	17.2	17.2	NUM
fsr-3217	127	57	26.5	26.5	NUM
fsr-3217	127	58	16.3	16.3	NUM
fsr-3217	127	59	25–34	25–34	NUM
fsr-3217	127	60	52.6	52.6	NUM
fsr-3217	127	61	13.9	13.9	NUM
fsr-3217	127	62	29.3	29.3	NUM
fsr-3217	127	63	28.5	28.5	NUM
fsr-3217	127	64	34.9	34.9	NUM
fsr-3217	127	65	20.4	20.4	NUM
fsr-3217	127	66	35–44	35–44	NUM
fsr-3217	127	67	52.4	52.4	NUM
fsr-3217	127	68	11.5	11.5	NUM
fsr-3217	127	69	26.1	26.1	NUM
fsr-3217	127	70	27.0	27.0	NUM
fsr-3217	127	71	35.1	35.1	NUM
fsr-3217	127	72	18.2	18.2	NUM
fsr-3217	127	73	45–54	45–54	NUM
fsr-3217	127	74	50.0	50.0	NUM
fsr-3217	127	75	8.1	8.1	NUM
fsr-3217	127	76	27.1	27.1	NUM
fsr-3217	127	77	20.9	20.9	NUM
fsr-3217	127	78	32.7	32.7	NUM
fsr-3217	127	79	17.8	17.8	NUM
fsr-3217	127	80	55–64	55–64	NUM
fsr-3217	127	81	55.4	55.4	NUM
fsr-3217	127	82	7.1	7.1	NUM
fsr-3217	127	83	34.9	34.9	NUM
fsr-3217	127	84	19.8	19.8	NUM
fsr-3217	127	85	33.3	33.3	NUM
fsr-3217	127	86	20.1	20.1	NUM
fsr-3217	127	87	65	65	NUM
fsr-3217	127	88	�	�	PROPN
fsr-3217	127	89	62.3	62.3	NUM
fsr-3217	127	90	3.9	3.9	NUM
fsr-3217	127	91	43.7	43.7	NUM
fsr-3217	127	92	18.2	18.2	NUM
fsr-3217	127	93	32.3	32.3	NUM
fsr-3217	127	94	25.4	25.4	NUM
fsr-3217	127	95	(	(	PUNCT
fsr-3217	127	96	18–24	18–24	NUM
fsr-3217	127	97	)	)	PUNCT
fsr-3217	127	98	(	(	PUNCT
fsr-3217	127	99	65	65	NUM
fsr-3217	127	100	�	�	PROPN
fsr-3217	127	101	)	)	PUNCT
fsr-3217	127	102	t	t	PROPN
fsr-3217	127	103	test	test	NOUN
fsr-3217	127	104	�	�	PROPN
fsr-3217	127	105	13.90	13.90	NUM
fsr-3217	127	106	*	*	PUNCT
fsr-3217	127	107	*	*	PUNCT
fsr-3217	127	108	*	*	PUNCT
fsr-3217	127	109	7.28	7.28	NUM
fsr-3217	127	110	*	*	PUNCT
fsr-3217	127	111	*	*	PUNCT
fsr-3217	127	112	*	*	PUNCT
fsr-3217	127	113	�	�	PROPN
fsr-3217	127	114	14.10	14.10	NUM
fsr-3217	127	115	*	*	PUNCT
fsr-3217	127	116	*	*	PUNCT
fsr-3217	127	117	*	*	PUNCT
fsr-3217	127	118	�	�	PROPN
fsr-3217	127	119	0.99	0.99	NUM
fsr-3217	127	120	�	�	NOUN
fsr-3217	127	121	4.77	4.77	NUM
fsr-3217	127	122	*	*	PUNCT
fsr-3217	127	123	*	*	PUNCT
fsr-3217	127	124	*	*	PUNCT
fsr-3217	127	125	�	�	PROPN
fsr-3217	127	126	8.55	8.55	NUM
fsr-3217	127	127	*	*	PUNCT
fsr-3217	127	128	*	*	PUNCT
fsr-3217	127	129	*	*	PUNCT
fsr-3217	127	130	ethnicity	ethnicity	NOUN
fsr-3217	127	131	white	white	ADJ
fsr-3217	127	132	54.2	54.2	NUM
fsr-3217	127	133	7.5	7.5	NUM
fsr-3217	127	134	32.6	32.6	NUM
fsr-3217	127	135	22.4	22.4	NUM
fsr-3217	127	136	32.6	32.6	NUM
fsr-3217	127	137	20.2	20.2	NUM
fsr-3217	127	138	black	black	ADJ
fsr-3217	127	139	51.4	51.4	NUM
fsr-3217	127	140	12.4	12.4	NUM
fsr-3217	127	141	29.0	29.0	NUM
fsr-3217	127	142	21.2	21.2	NUM
fsr-3217	127	143	33.8	33.8	NUM
fsr-3217	127	144	19.0	19.0	NUM
fsr-3217	127	145	white	white	ADJ
fsr-3217	127	146	black	black	PROPN
fsr-3217	127	147	t	t	PROPN
fsr-3217	127	148	test	test	NOUN
fsr-3217	127	149	3.59	3.59	NUM
fsr-3217	127	150	*	*	PUNCT
fsr-3217	127	151	*	*	PUNCT
fsr-3217	127	152	*	*	PUNCT
fsr-3217	127	153	�	�	PROPN
fsr-3217	127	154	10.41	10.41	NUM
fsr-3217	127	155	*	*	PUNCT
fsr-3217	127	156	*	*	PUNCT
fsr-3217	127	157	*	*	PUNCT
fsr-3217	127	158	5.15	5.15	NUM
fsr-3217	127	159	*	*	PUNCT
fsr-3217	127	160	*	*	PUNCT
fsr-3217	127	161	*	*	PUNCT
fsr-3217	127	162	1.96	1.96	NUM
fsr-3217	127	163	*	*	PUNCT
fsr-3217	127	164	*	*	PUNCT
fsr-3217	127	165	�	�	PROPN
fsr-3217	127	166	1.66	1.66	NUM
fsr-3217	127	167	*	*	NOUN
fsr-3217	127	168	2.05	2.05	NUM
fsr-3217	127	169	*	*	PUNCT
fsr-3217	127	170	*	*	PUNCT
fsr-3217	127	171	*	*	PUNCT
fsr-3217	127	172	education	education	PROPN
fsr-3217	127	173	�	�	PROPN
fsr-3217	127	174	high	high	ADJ
fsr-3217	127	175	school	school	NOUN
fsr-3217	127	176	30.4	30.4	NUM
fsr-3217	127	177	6.6	6.6	NUM
fsr-3217	127	178	10.6	10.6	NUM
fsr-3217	127	179	8.9	8.9	NUM
fsr-3217	127	180	18.9	18.9	NUM
fsr-3217	127	181	7.8	7.8	NUM
fsr-3217	127	182	high	high	ADJ
fsr-3217	127	183	school	school	NOUN
fsr-3217	127	184	44.0	44.0	NUM
fsr-3217	127	185	7.2	7.2	NUM
fsr-3217	127	186	23.1	23.1	NUM
fsr-3217	127	187	16.0	16.0	NUM
fsr-3217	127	188	25.2	25.2	NUM
fsr-3217	127	189	13.3	13.3	NUM
fsr-3217	127	190	ged	ge	VERB
fsr-3217	127	191	38.0	38.0	NUM
fsr-3217	127	192	8.3	8.3	NUM
fsr-3217	127	193	16.2	16.2	NUM
fsr-3217	127	194	14.5	14.5	NUM
fsr-3217	127	195	24.6	24.6	NUM
fsr-3217	127	196	11.0	11.0	NUM
fsr-3217	127	197	some	some	DET
fsr-3217	127	198	college	college	NOUN
fsr-3217	127	199	54.1	54.1	NUM
fsr-3217	127	200	8.7	8.7	NUM
fsr-3217	127	201	30.8	30.8	NUM
fsr-3217	127	202	22.3	22.3	NUM
fsr-3217	127	203	34.3	34.3	NUM
fsr-3217	127	204	18.7	18.7	NUM
fsr-3217	127	205	college	college	NOUN
fsr-3217	127	206	graduate	graduate	NOUN
fsr-3217	127	207	62.9	62.9	NUM
fsr-3217	127	208	11.6	11.6	NUM
fsr-3217	127	209	40.6	40.6	NUM
fsr-3217	127	210	28.5	28.5	NUM
fsr-3217	127	211	39.5	39.5	NUM
fsr-3217	127	212	25.3	25.3	NUM
fsr-3217	127	213	post	post	ADJ
fsr-3217	127	214	-	-	ADJ
fsr-3217	127	215	graduate	graduate	ADJ
fsr-3217	127	216	69.7	69.7	NUM
fsr-3217	127	217	8.1	8.1	NUM
fsr-3217	127	218	50.1	50.1	NUM
fsr-3217	127	219	30.8	30.8	NUM
fsr-3217	127	220	41.4	41.4	NUM
fsr-3217	127	221	34.4	34.4	NUM
fsr-3217	127	222	�	�	PROPN
fsr-3217	127	223	hs	hs	PART
fsr-3217	127	224	–	–	PUNCT
fsr-3217	127	225	post	post	ADJ
fsr-3217	127	226	-	-	ADJ
fsr-3217	127	227	grad	grad	ADJ
fsr-3217	127	228	t	t	PROPN
fsr-3217	127	229	test	test	NOUN
fsr-3217	127	230	�	�	PROPN
fsr-3217	127	231	27.33	27.33	NUM
fsr-3217	127	232	*	*	PUNCT
fsr-3217	127	233	*	*	PUNCT
fsr-3217	127	234	*	*	PUNCT
fsr-3217	127	235	�	�	PROPN
fsr-3217	127	236	1.92	1.92	NUM
fsr-3217	127	237	*	*	SYM
fsr-3217	127	238	�	�	PROPN
fsr-3217	127	239	32.70	32.70	NUM
fsr-3217	127	240	*	*	PUNCT
fsr-3217	127	241	*	*	PUNCT
fsr-3217	127	242	*	*	PUNCT
fsr-3217	127	243	�	�	X
fsr-3217	127	244	19.71	19.71	NUM
fsr-3217	127	245	*	*	PUNCT
fsr-3217	127	246	*	*	PUNCT
fsr-3217	127	247	*	*	PUNCT
fsr-3217	127	248	�	�	PROPN
fsr-3217	127	249	16.76	16.76	NUM
fsr-3217	127	250	*	*	PUNCT
fsr-3217	127	251	*	*	PUNCT
fsr-3217	127	252	*	*	PUNCT
fsr-3217	127	253	�	�	PROPN
fsr-3217	127	254	24.07	24.07	NUM
fsr-3217	127	255	*	*	PUNCT
fsr-3217	127	256	*	*	PUNCT
fsr-3217	127	257	*	*	PUNCT
fsr-3217	127	258	marital	marital	ADJ
fsr-3217	127	259	status	status	NOUN
fsr-3217	127	260	married	marry	VERB
fsr-3217	127	261	59.6	59.6	NUM
fsr-3217	127	262	8.6	8.6	NUM
fsr-3217	127	263	36.2	36.2	NUM
fsr-3217	127	264	26.5	26.5	NUM
fsr-3217	127	265	36.7	36.7	NUM
fsr-3217	127	266	24.0	24.0	NUM
fsr-3217	127	267	single	single	ADJ
fsr-3217	127	268	43.9	43.9	NUM
fsr-3217	127	269	9.2	9.2	NUM
fsr-3217	127	270	26.2	26.2	NUM
fsr-3217	127	271	16.7	16.7	NUM
fsr-3217	127	272	26.7	26.7	NUM
fsr-3217	127	273	14.4	14.4	NUM
fsr-3217	127	274	separated	separate	VERB
fsr-3217	127	275	39.4	39.4	NUM
fsr-3217	127	276	10.6	10.6	NUM
fsr-3217	127	277	18.0	18.0	NUM
fsr-3217	127	278	11.9	11.9	NUM
fsr-3217	127	279	28.4	28.4	NUM
fsr-3217	127	280	14.2	14.2	NUM
fsr-3217	127	281	divorced	divorce	VERB
fsr-3217	127	282	47.3	47.3	NUM
fsr-3217	127	283	8.7	8.7	NUM
fsr-3217	127	284	23.9	23.9	NUM
fsr-3217	127	285	16.8	16.8	NUM
fsr-3217	127	286	29.4	29.4	NUM
fsr-3217	127	287	13.9	13.9	NUM
fsr-3217	127	288	widowed	widow	VERB
fsr-3217	127	289	52.0	52.0	NUM
fsr-3217	127	290	7.6	7.6	NUM
fsr-3217	127	291	30.3	30.3	NUM
fsr-3217	127	292	14.5	14.5	NUM
fsr-3217	127	293	30.7	30.7	NUM
fsr-3217	127	294	17.3	17.3	NUM
fsr-3217	127	295	married	married	ADJ
fsr-3217	127	296	widowed	widow	VERB
fsr-3217	127	297	t	t	PROPN
fsr-3217	127	298	test	test	NOUN
fsr-3217	127	299	4.45	4.45	NUM
fsr-3217	127	300	*	*	PUNCT
fsr-3217	127	301	*	*	PUNCT
fsr-3217	127	302	*	*	PUNCT
fsr-3217	127	303	1.13	1.13	NUM
fsr-3217	127	304	3.70	3.70	NUM
fsr-3217	127	305	*	*	PUNCT
fsr-3217	127	306	*	*	PUNCT
fsr-3217	127	307	*	*	PUNCT
fsr-3217	128	1	9.72	9.72	NUM
fsr-3217	128	2	*	*	PUNCT
fsr-3217	128	3	*	*	PUNCT
fsr-3217	128	4	*	*	PUNCT
fsr-3217	128	5	3.73	3.73	NUM
fsr-3217	128	6	*	*	PUNCT
fsr-3217	128	7	*	*	PUNCT
fsr-3217	128	8	*	*	PUNCT
fsr-3217	128	9	5.10	5.10	NUM
fsr-3217	128	10	*	*	PUNCT
fsr-3217	128	11	*	*	PUNCT
fsr-3217	128	12	*	*	PUNCT
fsr-3217	128	13	income	income	NOUN
fsr-3217	128	14	�	�	NOUN
fsr-3217	128	15	$	$	SYM
fsr-3217	128	16	15,000	15,000	NUM
fsr-3217	128	17	27.4	27.4	NUM
fsr-3217	128	18	6.2	6.2	NUM
fsr-3217	128	19	11.5	11.5	NUM
fsr-3217	128	20	7.9	7.9	NUM
fsr-3217	128	21	16.5	16.5	NUM
fsr-3217	128	22	6.4	6.4	NUM
fsr-3217	128	23	$	$	SYM
fsr-3217	128	24	15k-$24,999	15k-$24,999	NUM
fsr-3217	128	25	40.3	40.3	NUM
fsr-3217	128	26	10.1	10.1	NUM
fsr-3217	128	27	16.8	16.8	NUM
fsr-3217	128	28	11.8	11.8	NUM
fsr-3217	128	29	26.3	26.3	NUM
fsr-3217	128	30	9.5	9.5	NUM
fsr-3217	128	31	$	$	SYM
fsr-3217	128	32	25k-$34,999	25k-$34,999	NUM
fsr-3217	128	33	45.7	45.7	NUM
fsr-3217	128	34	9.5	9.5	NUM
fsr-3217	128	35	22.4	22.4	NUM
fsr-3217	128	36	16.7	16.7	NUM
fsr-3217	128	37	28.6	28.6	NUM
fsr-3217	128	38	13.1	13.1	NUM
fsr-3217	128	39	$	$	SYM
fsr-3217	128	40	35k-$49,999	35k-$49,999	NUM
fsr-3217	128	41	51.8	51.8	NUM
fsr-3217	128	42	11.1	11.1	NUM
fsr-3217	128	43	26.7	26.7	NUM
fsr-3217	128	44	19.7	19.7	NUM
fsr-3217	128	45	32.6	32.6	NUM
fsr-3217	128	46	16.3	16.3	NUM
fsr-3217	128	47	$	$	SYM
fsr-3217	128	48	50k-$74,999	50k-$74,999	NUM
fsr-3217	128	49	59.2	59.2	NUM
fsr-3217	128	50	9.1	9.1	NUM
fsr-3217	128	51	35.1	35.1	NUM
fsr-3217	128	52	25.6	25.6	NUM
fsr-3217	128	53	36.8	36.8	NUM
fsr-3217	128	54	21.3	21.3	NUM
fsr-3217	128	55	$	$	SYM
fsr-3217	128	56	75k-$99,999	75k-$99,999	NUM
fsr-3217	128	57	64.2	64.2	NUM
fsr-3217	128	58	9.1	9.1	NUM
fsr-3217	128	59	43.1	43.1	NUM
fsr-3217	128	60	30.4	30.4	NUM
fsr-3217	128	61	38.6	38.6	NUM
fsr-3217	128	62	26.5	26.5	NUM
fsr-3217	128	63	$	$	SYM
fsr-3217	128	64	100k-$149,000	100k-$149,000	NUM
fsr-3217	128	65	70.3	70.3	NUM
fsr-3217	128	66	7.0	7.0	NUM
fsr-3217	128	67	50.0	50.0	NUM
fsr-3217	128	68	32.8	32.8	NUM
fsr-3217	128	69	42.0	42.0	NUM
fsr-3217	128	70	32.8	32.8	NUM
fsr-3217	128	71	�	�	NOUN
fsr-3217	128	72	$	$	SYM
fsr-3217	128	73	150,000	150,000	NUM
fsr-3217	128	74	75.1	75.1	NUM
fsr-3217	128	75	6.8	6.8	NUM
fsr-3217	128	76	57.6	57.6	NUM
fsr-3217	128	77	36.8	36.8	NUM
fsr-3217	128	78	45.3	45.3	NUM
fsr-3217	128	79	43.4	43.4	NUM
fsr-3217	128	80	�	�	NOUN
fsr-3217	128	81	$	$	SYM
fsr-3217	128	82	15k	15k	NUM
fsr-3217	128	83	�	�	PRON
fsr-3217	128	84	$	$	SYM
fsr-3217	128	85	150k	150k	PROPN
fsr-3217	128	86	t	t	PROPN
fsr-3217	128	87	test	test	NOUN
fsr-3217	128	88	�	�	PROPN
fsr-3217	128	89	34.09	34.09	NUM
fsr-3217	128	90	*	*	PUNCT
fsr-3217	128	91	*	*	PUNCT
fsr-3217	128	92	*	*	PUNCT
fsr-3217	128	93	�	�	PROPN
fsr-3217	128	94	0.87	0.87	NUM
fsr-3217	128	95	�	�	NOUN
fsr-3217	128	96	33.07	33.07	NUM
fsr-3217	128	97	*	*	PUNCT
fsr-3217	128	98	*	*	PUNCT
fsr-3217	128	99	*	*	PUNCT
fsr-3217	128	100	�	�	X
fsr-3217	128	101	21.83	21.83	NUM
fsr-3217	128	102	*	*	PUNCT
fsr-3217	128	103	*	*	PUNCT
fsr-3217	128	104	*	*	PUNCT
fsr-3217	128	105	�	�	PROPN
fsr-3217	128	106	19.92	19.92	NUM
fsr-3217	128	107	*	*	PUNCT
fsr-3217	128	108	*	*	PUNCT
fsr-3217	128	109	*	*	PUNCT
fsr-3217	128	110	�	�	PROPN
fsr-3217	128	111	27.55	27.55	NUM
fsr-3217	128	112	*	*	NOUN
fsr-3217	128	113	*	*	PUNCT
fsr-3217	128	114	*	*	PUNCT
fsr-3217	128	115	employment	employment	NOUN
fsr-3217	128	116	self	self	NOUN
fsr-3217	128	117	employed	employ	VERB
fsr-3217	128	118	60.1	60.1	NUM
fsr-3217	128	119	9.2	9.2	NUM
fsr-3217	128	120	36.3	36.3	NUM
fsr-3217	128	121	25.7	25.7	NUM
fsr-3217	128	122	41.3	41.3	NUM
fsr-3217	128	123	28.8	28.8	NUM
fsr-3217	128	124	full	full	ADJ
fsr-3217	128	125	-	-	PUNCT
fsr-3217	128	126	time	time	NOUN
fsr-3217	128	127	59.2	59.2	NUM
fsr-3217	128	128	11.0	11.0	NUM
fsr-3217	128	129	35.0	35.0	NUM
fsr-3217	128	130	29.4	29.4	NUM
fsr-3217	128	131	37.5	37.5	NUM
fsr-3217	128	132	21.6	21.6	NUM
fsr-3217	128	133	part	part	NOUN
fsr-3217	128	134	-	-	PUNCT
fsr-3217	128	135	time	time	NOUN
fsr-3217	128	136	51.4	51.4	NUM
fsr-3217	128	137	9.6	9.6	NUM
fsr-3217	128	138	31.8	31.8	NUM
fsr-3217	128	139	20.2	20.2	NUM
fsr-3217	128	140	32.3	32.3	NUM
fsr-3217	128	141	20.0	20.0	NUM
fsr-3217	128	142	homemaker	homemaker	NOUN
fsr-3217	128	143	45.4	45.4	NUM
fsr-3217	128	144	8.0	8.0	NUM
fsr-3217	128	145	21.3	21.3	NUM
fsr-3217	128	146	19.9	19.9	NUM
fsr-3217	128	147	28.7	28.7	NUM
fsr-3217	128	148	15.9	15.9	NUM
fsr-3217	128	149	student	student	NOUN
fsr-3217	128	150	43.3	43.3	NUM
fsr-3217	128	151	9.4	9.4	NUM
fsr-3217	128	152	27.8	27.8	NUM
fsr-3217	128	153	15.5	15.5	NUM
fsr-3217	128	154	25.4	25.4	NUM
fsr-3217	128	155	13.9	13.9	NUM
fsr-3217	128	156	134	134	NUM
fsr-3217	128	157	b.	b.	PROPN
fsr-3217	128	158	balasubramnian	balasubramnian	PROPN
fsr-3217	128	159	,	,	PUNCT
fsr-3217	128	160	e.r	e.r	PROPN
fsr-3217	128	161	.	.	NOUN
fsr-3217	128	162	brisker	brisk	ADJ
fsr-3217	128	163	/	/	SYM
fsr-3217	128	164	financial	financial	ADJ
fsr-3217	128	165	services	service	NOUN
fsr-3217	128	166	review	review	VERB
fsr-3217	128	167	25	25	NUM
fsr-3217	128	168	(	(	PUNCT
fsr-3217	128	169	2016	2016	NUM
fsr-3217	128	170	)	)	PUNCT
fsr-3217	128	171	127–155	127–155	NUM
fsr-3217	128	172	that	that	PRON
fsr-3217	128	173	use	use	VERB
fsr-3217	128	174	savings	saving	NOUN
fsr-3217	128	175	and	and	CCONJ
fsr-3217	128	176	investments	investment	NOUN
fsr-3217	128	177	advisers	adviser	NOUN
fsr-3217	128	178	.	.	PUNCT
fsr-3217	129	1	in	in	ADP
fsr-3217	129	2	fact	fact	NOUN
fsr-3217	129	3	,	,	PUNCT
fsr-3217	129	4	there	there	PRON
fsr-3217	129	5	is	be	VERB
fsr-3217	129	6	a	a	DET
fsr-3217	129	7	monotonic	monotonic	ADJ
fsr-3217	129	8	increase	increase	NOUN
fsr-3217	129	9	in	in	ADP
fsr-3217	129	10	the	the	DET
fsr-3217	129	11	percentage	percentage	NOUN
fsr-3217	129	12	of	of	ADP
fsr-3217	129	13	individuals	individual	NOUN
fsr-3217	129	14	using	use	VERB
fsr-3217	129	15	a	a	DET
fsr-3217	129	16	savings	saving	NOUN
fsr-3217	129	17	and	and	CCONJ
fsr-3217	129	18	investments	investment	NOUN
fsr-3217	129	19	,	,	PUNCT
fsr-3217	129	20	mortgage	mortgage	NOUN
fsr-3217	129	21	or	or	CCONJ
fsr-3217	129	22	loan	loan	NOUN
fsr-3217	129	23	,	,	PUNCT
fsr-3217	129	24	insurance	insurance	NOUN
fsr-3217	129	25	,	,	PUNCT
fsr-3217	129	26	or	or	CCONJ
fsr-3217	129	27	tax	tax	NOUN
fsr-3217	129	28	planning	planning	NOUN
fsr-3217	129	29	adviser	adviser	NOUN
fsr-3217	129	30	across	across	ADP
fsr-3217	129	31	both	both	CCONJ
fsr-3217	129	32	higher	high	ADJ
fsr-3217	129	33	education	education	NOUN
fsr-3217	129	34	and	and	CCONJ
fsr-3217	129	35	income	income	NOUN
fsr-3217	129	36	levels	level	NOUN
fsr-3217	129	37	.	.	PUNCT
fsr-3217	130	1	individuals	individual	NOUN
fsr-3217	130	2	using	use	VERB
fsr-3217	130	3	insurance	insurance	NOUN
fsr-3217	130	4	or	or	CCONJ
fsr-3217	130	5	tax	tax	NOUN
fsr-3217	130	6	planning	planning	NOUN
fsr-3217	130	7	financial	financial	ADJ
fsr-3217	130	8	advisers	adviser	NOUN
fsr-3217	130	9	are	be	AUX
fsr-3217	130	10	mixed	mix	VERB
fsr-3217	130	11	across	across	ADP
fsr-3217	130	12	the	the	DET
fsr-3217	130	13	other	other	ADJ
fsr-3217	130	14	demographic	demographic	ADJ
fsr-3217	130	15	groups	group	NOUN
fsr-3217	130	16	,	,	PUNCT
fsr-3217	130	17	and	and	CCONJ
fsr-3217	130	18	gender	gender	NOUN
fsr-3217	130	19	,	,	PUNCT
fsr-3217	130	20	ethnicity	ethnicity	NOUN
fsr-3217	130	21	,	,	PUNCT
fsr-3217	130	22	marital	marital	ADJ
fsr-3217	130	23	status	status	NOUN
fsr-3217	130	24	,	,	PUNCT
fsr-3217	130	25	employment	employment	NOUN
fsr-3217	130	26	,	,	PUNCT
fsr-3217	130	27	and	and	CCONJ
fsr-3217	130	28	region	region	NOUN
fsr-3217	130	29	reveal	reveal	VERB
fsr-3217	130	30	mixed	mixed	ADJ
fsr-3217	130	31	results	result	NOUN
fsr-3217	130	32	for	for	ADP
fsr-3217	130	33	each	each	DET
fsr-3217	130	34	financial	financial	ADJ
fsr-3217	130	35	adviser	adviser	NOUN
fsr-3217	130	36	type	type	NOUN
fsr-3217	130	37	.	.	PUNCT
fsr-3217	131	1	in	in	ADP
fsr-3217	131	2	table	table	NOUN
fsr-3217	131	3	1	1	NUM
fsr-3217	131	4	,	,	PUNCT
fsr-3217	131	5	panel	panel	NOUN
fsr-3217	131	6	a	a	X
fsr-3217	131	7	,	,	PUNCT
fsr-3217	131	8	we	we	PRON
fsr-3217	131	9	identify	identify	VERB
fsr-3217	131	10	the	the	DET
fsr-3217	131	11	five	five	NUM
fsr-3217	131	12	financial	financial	ADJ
fsr-3217	131	13	literacy	literacy	NOUN
fsr-3217	131	14	questions	question	NOUN
fsr-3217	131	15	used	use	VERB
fsr-3217	131	16	in	in	ADP
fsr-3217	131	17	the	the	DET
fsr-3217	131	18	survey	survey	NOUN
fsr-3217	131	19	,	,	PUNCT
fsr-3217	131	20	and	and	CCONJ
fsr-3217	131	21	in	in	ADP
fsr-3217	131	22	table	table	NOUN
fsr-3217	131	23	1	1	NUM
fsr-3217	131	24	,	,	PUNCT
fsr-3217	131	25	panel	panel	NOUN
fsr-3217	131	26	b	b	NOUN
fsr-3217	131	27	,	,	PUNCT
fsr-3217	131	28	we	we	PRON
fsr-3217	131	29	report	report	VERB
fsr-3217	131	30	the	the	DET
fsr-3217	131	31	percentage	percentage	NOUN
fsr-3217	131	32	of	of	ADP
fsr-3217	131	33	individuals	individual	NOUN
fsr-3217	131	34	answering	answer	VERB
fsr-3217	131	35	each	each	PRON
fsr-3217	131	36	of	of	ADP
fsr-3217	131	37	the	the	DET
fsr-3217	131	38	five	five	NUM
fsr-3217	131	39	financial	financial	ADJ
fsr-3217	131	40	literacy	literacy	NOUN
fsr-3217	131	41	questions	question	NOUN
fsr-3217	131	42	correctly	correctly	ADV
fsr-3217	131	43	.	.	PUNCT
fsr-3217	132	1	the	the	DET
fsr-3217	132	2	first	first	ADJ
fsr-3217	132	3	row	row	NOUN
fsr-3217	132	4	in	in	ADP
fsr-3217	132	5	panel	panel	NOUN
fsr-3217	132	6	b	b	PROPN
fsr-3217	132	7	,	,	PUNCT
fsr-3217	132	8	overall	overall	ADJ
fsr-3217	132	9	,	,	PUNCT
fsr-3217	132	10	reports	report	VERB
fsr-3217	132	11	the	the	DET
fsr-3217	132	12	percentage	percentage	NOUN
fsr-3217	132	13	of	of	ADP
fsr-3217	132	14	survey	survey	NOUN
fsr-3217	132	15	respondents	respondent	NOUN
fsr-3217	132	16	answering	answer	VERB
fsr-3217	132	17	each	each	DET
fsr-3217	132	18	question	question	NOUN
fsr-3217	132	19	correctly	correctly	ADV
fsr-3217	132	20	for	for	ADP
fsr-3217	132	21	the	the	DET
fsr-3217	132	22	entire	entire	ADJ
fsr-3217	132	23	sample	sample	NOUN
fsr-3217	132	24	,	,	PUNCT
fsr-3217	132	25	followed	follow	VERB
fsr-3217	132	26	by	by	ADP
fsr-3217	132	27	user	user	NOUN
fsr-3217	132	28	versus	versus	ADP
fsr-3217	132	29	non	non	ADJ
fsr-3217	132	30	-	-	ADJ
fsr-3217	132	31	user	user	ADJ
fsr-3217	132	32	comparisons	comparison	NOUN
fsr-3217	132	33	for	for	ADP
fsr-3217	132	34	those	those	PRON
fsr-3217	132	35	using	use	VERB
fsr-3217	132	36	one	one	NUM
fsr-3217	132	37	or	or	CCONJ
fsr-3217	132	38	more	more	ADJ
fsr-3217	132	39	of	of	ADP
fsr-3217	132	40	the	the	DET
fsr-3217	132	41	different	different	ADJ
fsr-3217	132	42	financial	financial	ADJ
fsr-3217	132	43	adviser	adviser	NOUN
fsr-3217	132	44	types	type	NOUN
fsr-3217	132	45	(	(	PUNCT
fsr-3217	132	46	financial	financial	ADJ
fsr-3217	132	47	advisor	advisor	NOUN
fsr-3217	132	48	)	)	PUNCT
fsr-3217	132	49	,	,	PUNCT
fsr-3217	132	50	and	and	CCONJ
fsr-3217	132	51	for	for	ADP
fsr-3217	132	52	each	each	PRON
fsr-3217	132	53	of	of	ADP
fsr-3217	132	54	the	the	DET
fsr-3217	132	55	financial	financial	ADJ
fsr-3217	132	56	adviser	adviser	NOUN
fsr-3217	132	57	types	type	NOUN
fsr-3217	132	58	,	,	PUNCT
fsr-3217	132	59	separately	separately	ADV
fsr-3217	132	60	.	.	PUNCT
fsr-3217	133	1	we	we	PRON
fsr-3217	133	2	also	also	ADV
fsr-3217	133	3	report	report	VERB
fsr-3217	133	4	t	t	NOUN
fsr-3217	133	5	-	-	PUNCT
fsr-3217	133	6	stats	stat	NOUN
fsr-3217	133	7	indicating	indicate	VERB
fsr-3217	133	8	the	the	DET
fsr-3217	133	9	significance	significance	NOUN
fsr-3217	133	10	in	in	ADP
fsr-3217	133	11	the	the	DET
fsr-3217	133	12	difference	difference	NOUN
fsr-3217	133	13	between	between	ADP
fsr-3217	133	14	the	the	DET
fsr-3217	133	15	percentages	percentage	NOUN
fsr-3217	133	16	of	of	ADP
fsr-3217	133	17	financial	financial	ADJ
fsr-3217	133	18	adviser(s	adviser(s	PROPN
fsr-3217	133	19	)	)	PUNCT
fsr-3217	133	20	users	user	NOUN
fsr-3217	133	21	versus	versus	ADP
fsr-3217	133	22	non	non	NOUN
fsr-3217	133	23	-	-	NOUN
fsr-3217	133	24	users	user	NOUN
fsr-3217	133	25	who	who	PRON
fsr-3217	133	26	answered	answer	VERB
fsr-3217	133	27	each	each	DET
fsr-3217	133	28	question	question	NOUN
fsr-3217	133	29	correctly	correctly	ADV
fsr-3217	133	30	.	.	PUNCT
fsr-3217	134	1	overall	overall	ADV
fsr-3217	134	2	,	,	PUNCT
fsr-3217	134	3	we	we	PRON
fsr-3217	134	4	find	find	VERB
fsr-3217	134	5	that	that	SCONJ
fsr-3217	134	6	78.6	78.6	NUM
fsr-3217	134	7	%	%	NOUN
fsr-3217	134	8	of	of	ADP
fsr-3217	134	9	individuals	individual	NOUN
fsr-3217	134	10	answered	answer	VERB
fsr-3217	134	11	the	the	DET
fsr-3217	134	12	question	question	NOUN
fsr-3217	134	13	regarding	regard	VERB
fsr-3217	134	14	the	the	DET
fsr-3217	134	15	time	time	NOUN
fsr-3217	134	16	value	value	NOUN
fsr-3217	134	17	of	of	ADP
fsr-3217	134	18	money	money	NOUN
fsr-3217	134	19	correctly	correctly	ADV
fsr-3217	134	20	,	,	PUNCT
fsr-3217	134	21	but	but	CCONJ
fsr-3217	134	22	only	only	ADV
fsr-3217	134	23	30.9	30.9	NUM
fsr-3217	134	24	%	%	NOUN
fsr-3217	134	25	answered	answer	VERB
fsr-3217	134	26	the	the	DET
fsr-3217	134	27	question	question	NOUN
fsr-3217	134	28	pertaining	pertain	VERB
fsr-3217	134	29	to	to	ADP
fsr-3217	134	30	the	the	DET
fsr-3217	134	31	relationship	relationship	NOUN
fsr-3217	134	32	between	between	ADP
fsr-3217	134	33	interest	interest	NOUN
fsr-3217	134	34	rates	rate	NOUN
fsr-3217	134	35	and	and	CCONJ
fsr-3217	134	36	bond	bond	NOUN
fsr-3217	134	37	prices	price	NOUN
fsr-3217	134	38	correctly	correctly	ADV
fsr-3217	134	39	.	.	PUNCT
fsr-3217	135	1	just	just	ADV
fsr-3217	135	2	over	over	ADP
fsr-3217	135	3	66	66	NUM
fsr-3217	135	4	%	%	NOUN
fsr-3217	135	5	answered	answer	VERB
fsr-3217	135	6	the	the	DET
fsr-3217	135	7	question	question	NOUN
fsr-3217	135	8	pertaining	pertain	VERB
fsr-3217	135	9	to	to	ADP
fsr-3217	135	10	inflation	inflation	NOUN
fsr-3217	135	11	correctly	correctly	ADV
fsr-3217	135	12	,	,	PUNCT
fsr-3217	135	13	but	but	CCONJ
fsr-3217	135	14	nearly	nearly	ADV
fsr-3217	135	15	80	80	NUM
fsr-3217	135	16	%	%	NOUN
fsr-3217	135	17	answered	answer	VERB
fsr-3217	135	18	the	the	DET
fsr-3217	135	19	question	question	NOUN
fsr-3217	135	20	regarding	regard	VERB
fsr-3217	135	21	mortgage	mortgage	NOUN
fsr-3217	135	22	interest	interest	NOUN
fsr-3217	135	23	expenses	expense	NOUN
fsr-3217	135	24	correctly	correctly	ADV
fsr-3217	135	25	.	.	PUNCT
fsr-3217	136	1	surprisingly	surprisingly	ADV
fsr-3217	136	2	,	,	PUNCT
fsr-3217	136	3	only	only	ADV
fsr-3217	136	4	53.5	53.5	NUM
fsr-3217	136	5	%	%	NOUN
fsr-3217	136	6	answered	answer	VERB
fsr-3217	136	7	the	the	DET
fsr-3217	136	8	question	question	NOUN
fsr-3217	136	9	pertaining	pertain	VERB
fsr-3217	136	10	to	to	ADP
fsr-3217	136	11	diversification	diversification	NOUN
fsr-3217	136	12	using	use	VERB
fsr-3217	136	13	mutual	mutual	ADJ
fsr-3217	136	14	funds	fund	NOUN
fsr-3217	136	15	correctly	correctly	ADV
fsr-3217	136	16	.	.	PUNCT
fsr-3217	137	1	we	we	PRON
fsr-3217	137	2	find	find	VERB
fsr-3217	137	3	that	that	SCONJ
fsr-3217	137	4	a	a	DET
fsr-3217	137	5	greater	great	ADJ
fsr-3217	137	6	percentage	percentage	NOUN
fsr-3217	137	7	of	of	ADP
fsr-3217	137	8	those	those	PRON
fsr-3217	137	9	using	use	VERB
fsr-3217	137	10	one	one	NUM
fsr-3217	137	11	or	or	CCONJ
fsr-3217	137	12	more	more	ADJ
fsr-3217	137	13	of	of	ADP
fsr-3217	137	14	the	the	DET
fsr-3217	137	15	five	five	NUM
fsr-3217	137	16	types	type	NOUN
fsr-3217	137	17	of	of	ADP
fsr-3217	137	18	financial	financial	ADJ
fsr-3217	137	19	advisers	adviser	NOUN
fsr-3217	137	20	,	,	PUNCT
fsr-3217	137	21	reported	report	VERB
fsr-3217	137	22	under	under	ADP
fsr-3217	137	23	financial	financial	ADJ
fsr-3217	137	24	adviser	adviser	NOUN
fsr-3217	137	25	,	,	PUNCT
fsr-3217	137	26	answered	answer	VERB
fsr-3217	137	27	all	all	DET
fsr-3217	137	28	five	five	NUM
fsr-3217	137	29	questions	question	NOUN
fsr-3217	137	30	correctly	correctly	ADV
fsr-3217	137	31	compared	compare	VERB
fsr-3217	137	32	with	with	ADP
fsr-3217	137	33	those	those	PRON
fsr-3217	137	34	not	not	PART
fsr-3217	137	35	using	use	VERB
fsr-3217	137	36	any	any	PRON
fsr-3217	137	37	of	of	ADP
fsr-3217	137	38	the	the	DET
fsr-3217	137	39	five	five	NUM
fsr-3217	137	40	types	type	NOUN
fsr-3217	137	41	of	of	ADP
fsr-3217	137	42	advisers	adviser	NOUN
fsr-3217	137	43	,	,	PUNCT
fsr-3217	137	44	and	and	CCONJ
fsr-3217	137	45	these	these	DET
fsr-3217	137	46	differences	difference	NOUN
fsr-3217	137	47	are	be	AUX
fsr-3217	137	48	all	all	ADV
fsr-3217	137	49	highly	highly	ADV
fsr-3217	137	50	significant	significant	ADJ
fsr-3217	137	51	at	at	ADP
fsr-3217	137	52	the	the	DET
fsr-3217	137	53	1	1	NUM
fsr-3217	137	54	%	%	NOUN
fsr-3217	137	55	level	level	NOUN
fsr-3217	137	56	.	.	PUNCT
fsr-3217	138	1	when	when	SCONJ
fsr-3217	138	2	considering	consider	VERB
fsr-3217	138	3	the	the	DET
fsr-3217	138	4	five	five	NUM
fsr-3217	138	5	types	type	NOUN
fsr-3217	138	6	of	of	ADP
fsr-3217	138	7	financial	financial	ADJ
fsr-3217	138	8	advisers	adviser	NOUN
fsr-3217	138	9	separately	separately	ADV
fsr-3217	138	10	,	,	PUNCT
fsr-3217	138	11	we	we	PRON
fsr-3217	138	12	find	find	VERB
fsr-3217	138	13	that	that	SCONJ
fsr-3217	138	14	a	a	DET
fsr-3217	138	15	higher	high	ADJ
fsr-3217	138	16	percentage	percentage	NOUN
fsr-3217	138	17	of	of	ADP
fsr-3217	138	18	individuals	individual	NOUN
fsr-3217	138	19	using	use	VERB
fsr-3217	138	20	table	table	NOUN
fsr-3217	138	21	2	2	NUM
fsr-3217	138	22	(	(	PUNCT
fsr-3217	138	23	continued	continued	ADJ
fsr-3217	138	24	)	)	PUNCT
fsr-3217	138	25	fa	fa	PROPN
fsr-3217	138	26	user	user	NOUN
fsr-3217	138	27	debt	debt	NOUN
fsr-3217	138	28	counseling	counsel	VERB
fsr-3217	138	29	savings	saving	NOUN
fsr-3217	138	30	or	or	CCONJ
fsr-3217	138	31	investments	investment	NOUN
fsr-3217	138	32	mortgage	mortgage	NOUN
fsr-3217	138	33	or	or	CCONJ
fsr-3217	138	34	loan	loan	NOUN
fsr-3217	138	35	insurance	insurance	NOUN
fsr-3217	138	36	tax	tax	NOUN
fsr-3217	138	37	planning	planning	NOUN
fsr-3217	138	38	disabled	disabled	ADJ
fsr-3217	138	39	37.0	37.0	NUM
fsr-3217	138	40	8.2	8.2	NUM
fsr-3217	138	41	12.6	12.6	NUM
fsr-3217	138	42	11.3	11.3	NUM
fsr-3217	138	43	25.6	25.6	NUM
fsr-3217	138	44	6.9	6.9	NUM
fsr-3217	138	45	unemployed	unemployed	ADJ
fsr-3217	138	46	34.4	34.4	NUM
fsr-3217	138	47	8.5	8.5	NUM
fsr-3217	138	48	15.6	15.6	NUM
fsr-3217	138	49	11.4	11.4	NUM
fsr-3217	138	50	20.8	20.8	NUM
fsr-3217	138	51	10.7	10.7	NUM
fsr-3217	138	52	retired	retire	VERB
fsr-3217	138	53	59.2	59.2	NUM
fsr-3217	138	54	4.4	4.4	NUM
fsr-3217	138	55	40.8	40.8	NUM
fsr-3217	138	56	17.4	17.4	NUM
fsr-3217	138	57	31.7	31.7	NUM
fsr-3217	138	58	23.6	23.6	NUM
fsr-3217	138	59	self	self	NOUN
fsr-3217	138	60	-	-	PUNCT
fsr-3217	138	61	employed	employ	VERB
fsr-3217	138	62	retired	retire	VERB
fsr-3217	138	63	t	t	PROPN
fsr-3217	138	64	test	test	NOUN
fsr-3217	138	65	0.63	0.63	NUM
fsr-3217	138	66	6.37	6.37	NUM
fsr-3217	138	67	*	*	PUNCT
fsr-3217	138	68	*	*	PUNCT
fsr-3217	138	69	*	*	NOUN
fsr-3217	138	70	-3.24	-3.24	PRON
fsr-3217	138	71	*	*	PUNCT
fsr-3217	138	72	*	*	PUNCT
fsr-3217	138	73	*	*	PUNCT
fsr-3217	138	74	6.97	6.97	NUM
fsr-3217	138	75	*	*	PUNCT
fsr-3217	138	76	*	*	PUNCT
fsr-3217	138	77	*	*	PUNCT
fsr-3217	139	1	7.02	7.02	NUM
fsr-3217	139	2	*	*	PUNCT
fsr-3217	139	3	*	*	PUNCT
fsr-3217	139	4	*	*	PUNCT
fsr-3217	139	5	4.15	4.15	NUM
fsr-3217	139	6	*	*	PUNCT
fsr-3217	139	7	*	*	PUNCT
fsr-3217	139	8	*	*	PUNCT
fsr-3217	139	9	region	region	NOUN
fsr-3217	139	10	northeast	northeast	ADV
fsr-3217	139	11	53.6	53.6	NUM
fsr-3217	139	12	8.5	8.5	NUM
fsr-3217	139	13	34.0	34.0	NUM
fsr-3217	139	14	22.1	22.1	NUM
fsr-3217	139	15	32.0	32.0	NUM
fsr-3217	139	16	21.2	21.2	NUM
fsr-3217	139	17	midwest	midwest	NOUN
fsr-3217	139	18	53.6	53.6	NUM
fsr-3217	139	19	7.7	7.7	NUM
fsr-3217	139	20	31.6	31.6	NUM
fsr-3217	139	21	21.5	21.5	NUM
fsr-3217	139	22	33.8	33.8	NUM
fsr-3217	139	23	19.8	19.8	NUM
fsr-3217	139	24	south	south	NOUN
fsr-3217	139	25	50.4	50.4	NUM
fsr-3217	139	26	9.2	9.2	NUM
fsr-3217	139	27	29.5	29.5	NUM
fsr-3217	139	28	19.9	19.9	NUM
fsr-3217	139	29	31.0	31.0	NUM
fsr-3217	139	30	18.7	18.7	NUM
fsr-3217	139	31	west	west	NOUN
fsr-3217	139	32	57.1	57.1	NUM
fsr-3217	139	33	9.4	9.4	NUM
fsr-3217	139	34	32.8	32.8	NUM
fsr-3217	139	35	25.5	25.5	NUM
fsr-3217	139	36	35.2	35.2	NUM
fsr-3217	139	37	20.7	20.7	NUM
fsr-3217	139	38	northeast	northeast	ADV
fsr-3217	139	39	west	west	PROPN
fsr-3217	139	40	t	t	PROPN
fsr-3217	139	41	test	test	NOUN
fsr-3217	139	42	�	�	PROPN
fsr-3217	139	43	3.33	3.33	NUM
fsr-3217	139	44	*	*	PUNCT
fsr-3217	139	45	*	*	PUNCT
fsr-3217	139	46	*	*	PUNCT
fsr-3217	139	47	-1.50	-1.50	NUM
fsr-3217	139	48	1.24	1.24	NUM
fsr-3217	139	49	�	�	NOUN
fsr-3217	139	50	3.79	3.79	NUM
fsr-3217	139	51	*	*	SYM
fsr-3217	139	52	*	*	PUNCT
fsr-3217	139	53	*	*	PUNCT
fsr-3217	139	54	�	�	NOUN
fsr-3217	139	55	3.28	3.28	NUM
fsr-3217	139	56	*	*	PUNCT
fsr-3217	139	57	*	*	PUNCT
fsr-3217	139	58	*	*	PUNCT
fsr-3217	139	59	0.62	0.62	NUM
fsr-3217	139	60	the	the	DET
fsr-3217	139	61	table	table	NOUN
fsr-3217	139	62	shows	show	VERB
fsr-3217	139	63	the	the	DET
fsr-3217	139	64	percent	percent	NOUN
fsr-3217	139	65	of	of	ADP
fsr-3217	139	66	individuals	individual	NOUN
fsr-3217	139	67	surveyed	survey	VERB
fsr-3217	139	68	that	that	PRON
fsr-3217	139	69	used	use	VERB
fsr-3217	139	70	financial	financial	ADJ
fsr-3217	139	71	advisers	adviser	NOUN
fsr-3217	139	72	.	.	PUNCT
fsr-3217	140	1	the	the	DET
fsr-3217	140	2	fa	fa	PROPN
fsr-3217	140	3	user	user	PROPN
fsr-3217	140	4	column	column	NOUN
fsr-3217	140	5	report	report	NOUN
fsr-3217	140	6	results	result	VERB
fsr-3217	140	7	for	for	ADP
fsr-3217	140	8	people	people	NOUN
fsr-3217	140	9	that	that	PRON
fsr-3217	140	10	used	use	VERB
fsr-3217	140	11	at	at	ADV
fsr-3217	140	12	least	least	ADV
fsr-3217	140	13	one	one	NUM
fsr-3217	140	14	or	or	CCONJ
fsr-3217	140	15	more	more	ADJ
fsr-3217	140	16	of	of	ADP
fsr-3217	140	17	the	the	DET
fsr-3217	140	18	five	five	NUM
fsr-3217	140	19	types	type	NOUN
fsr-3217	140	20	of	of	ADP
fsr-3217	140	21	financial	financial	ADJ
fsr-3217	140	22	advisers	adviser	NOUN
fsr-3217	140	23	.	.	PUNCT
fsr-3217	141	1	the	the	DET
fsr-3217	141	2	specific	specific	ADJ
fsr-3217	141	3	financial	financial	ADJ
fsr-3217	141	4	adviser	adviser	NOUN
fsr-3217	141	5	columns	column	NOUN
fsr-3217	141	6	report	report	VERB
fsr-3217	141	7	the	the	DET
fsr-3217	141	8	percentage	percentage	NOUN
fsr-3217	141	9	of	of	ADP
fsr-3217	141	10	individuals	individual	NOUN
fsr-3217	141	11	using	use	VERB
fsr-3217	141	12	that	that	DET
fsr-3217	141	13	specific	specific	ADJ
fsr-3217	141	14	type	type	NOUN
fsr-3217	141	15	of	of	ADP
fsr-3217	141	16	adviser	adviser	NOUN
fsr-3217	141	17	.	.	PUNCT
fsr-3217	142	1	all	all	DET
fsr-3217	142	2	values	value	NOUN
fsr-3217	142	3	are	be	AUX
fsr-3217	142	4	in	in	ADP
fsr-3217	142	5	percentages	percentage	NOUN
fsr-3217	142	6	.	.	PUNCT
fsr-3217	143	1	t	t	NOUN
fsr-3217	143	2	stats	stat	NOUN
fsr-3217	143	3	are	be	AUX
fsr-3217	143	4	reported	report	VERB
fsr-3217	143	5	indicating	indicate	VERB
fsr-3217	143	6	the	the	DET
fsr-3217	143	7	significance	significance	NOUN
fsr-3217	143	8	in	in	ADP
fsr-3217	143	9	the	the	DET
fsr-3217	143	10	difference	difference	NOUN
fsr-3217	143	11	between	between	ADP
fsr-3217	143	12	the	the	DET
fsr-3217	143	13	two	two	NUM
fsr-3217	143	14	identified	identify	VERB
fsr-3217	143	15	groups	group	NOUN
fsr-3217	143	16	within	within	ADP
fsr-3217	143	17	each	each	DET
fsr-3217	143	18	demographic	demographic	ADJ
fsr-3217	143	19	characteristic	characteristic	NOUN
fsr-3217	143	20	.	.	PUNCT
fsr-3217	144	1	*	*	PUNCT
fsr-3217	145	1	*	*	PUNCT
fsr-3217	145	2	*	*	PUNCT
fsr-3217	145	3	,	,	PUNCT
fsr-3217	145	4	*	*	PUNCT
fsr-3217	145	5	*	*	PUNCT
fsr-3217	145	6	,	,	PUNCT
fsr-3217	145	7	and	and	CCONJ
fsr-3217	145	8	*	*	PUNCT
fsr-3217	145	9	denote	denote	NOUN
fsr-3217	145	10	significance	significance	NOUN
fsr-3217	145	11	at	at	ADP
fsr-3217	145	12	the	the	DET
fsr-3217	145	13	1	1	NUM
fsr-3217	145	14	%	%	NOUN
fsr-3217	145	15	,	,	PUNCT
fsr-3217	145	16	5	5	NUM
fsr-3217	145	17	%	%	NOUN
fsr-3217	145	18	,	,	PUNCT
fsr-3217	145	19	and	and	CCONJ
fsr-3217	145	20	10	10	NUM
fsr-3217	145	21	%	%	NOUN
fsr-3217	145	22	levels	level	NOUN
fsr-3217	145	23	,	,	PUNCT
fsr-3217	145	24	respectively	respectively	ADV
fsr-3217	145	25	.	.	PUNCT
fsr-3217	146	1	135b	135b	PROPN
fsr-3217	146	2	.	.	PUNCT
fsr-3217	147	1	balasubramnian	balasubramnian	PROPN
fsr-3217	147	2	,	,	PUNCT
fsr-3217	147	3	e.r	e.r	PROPN
fsr-3217	147	4	.	.	NOUN
fsr-3217	147	5	brisker	brisk	ADJ
fsr-3217	147	6	/	/	SYM
fsr-3217	147	7	financial	financial	ADJ
fsr-3217	147	8	services	service	NOUN
fsr-3217	147	9	review	review	VERB
fsr-3217	147	10	25	25	NUM
fsr-3217	147	11	(	(	PUNCT
fsr-3217	147	12	2016	2016	NUM
fsr-3217	147	13	)	)	PUNCT
fsr-3217	147	14	127–155	127–155	NUM
fsr-3217	147	15	savings	saving	NOUN
fsr-3217	147	16	or	or	CCONJ
fsr-3217	147	17	investments	investment	NOUN
fsr-3217	147	18	,	,	PUNCT
fsr-3217	147	19	mortgage	mortgage	NOUN
fsr-3217	147	20	of	of	ADP
fsr-3217	147	21	loan	loan	NOUN
fsr-3217	147	22	,	,	PUNCT
fsr-3217	147	23	insurance	insurance	NOUN
fsr-3217	147	24	,	,	PUNCT
fsr-3217	147	25	and	and	CCONJ
fsr-3217	147	26	tax	tax	NOUN
fsr-3217	147	27	planning	planning	NOUN
fsr-3217	147	28	advisers	adviser	NOUN
fsr-3217	147	29	answered	answer	VERB
fsr-3217	147	30	all	all	DET
fsr-3217	147	31	five	five	NUM
fsr-3217	147	32	questions	question	NOUN
fsr-3217	147	33	correctly	correctly	ADV
fsr-3217	147	34	compared	compare	VERB
fsr-3217	147	35	to	to	ADP
fsr-3217	147	36	those	those	PRON
fsr-3217	147	37	not	not	PART
fsr-3217	147	38	using	use	VERB
fsr-3217	147	39	those	those	DET
fsr-3217	147	40	types	type	NOUN
fsr-3217	147	41	of	of	ADP
fsr-3217	147	42	advisers	adviser	NOUN
fsr-3217	147	43	(	(	PUNCT
fsr-3217	147	44	with	with	ADP
fsr-3217	147	45	the	the	DET
fsr-3217	147	46	statistical	statistical	ADJ
fsr-3217	147	47	significance	significance	NOUN
fsr-3217	147	48	of	of	ADP
fsr-3217	147	49	these	these	DET
fsr-3217	147	50	differences	difference	NOUN
fsr-3217	147	51	being	be	AUX
fsr-3217	147	52	highly	highly	ADV
fsr-3217	147	53	significant	significant	ADJ
fsr-3217	147	54	at	at	ADP
fsr-3217	147	55	the	the	DET
fsr-3217	147	56	1	1	NUM
fsr-3217	147	57	%	%	NOUN
fsr-3217	147	58	level	level	NOUN
fsr-3217	147	59	)	)	PUNCT
fsr-3217	147	60	.	.	PUNCT
fsr-3217	148	1	however	however	ADV
fsr-3217	148	2	,	,	PUNCT
fsr-3217	148	3	we	we	PRON
fsr-3217	148	4	find	find	VERB
fsr-3217	148	5	that	that	SCONJ
fsr-3217	148	6	a	a	DET
fsr-3217	148	7	lower	low	ADJ
fsr-3217	148	8	percentage	percentage	NOUN
fsr-3217	148	9	of	of	ADP
fsr-3217	148	10	those	those	PRON
fsr-3217	148	11	using	use	VERB
fsr-3217	148	12	debt	debt	NOUN
fsr-3217	148	13	counselors	counselor	NOUN
fsr-3217	148	14	answered	answer	VERB
fsr-3217	148	15	all	all	PRON
fsr-3217	148	16	of	of	ADP
fsr-3217	148	17	the	the	DET
fsr-3217	148	18	questions	question	NOUN
fsr-3217	148	19	correctly	correctly	ADV
fsr-3217	148	20	compared	compare	VERB
fsr-3217	148	21	to	to	ADP
fsr-3217	148	22	those	those	PRON
fsr-3217	148	23	not	not	PART
fsr-3217	148	24	using	use	VERB
fsr-3217	148	25	debt	debt	NOUN
fsr-3217	148	26	counselors	counselor	NOUN
fsr-3217	148	27	except	except	SCONJ
fsr-3217	148	28	for	for	ADP
fsr-3217	148	29	the	the	DET
fsr-3217	148	30	question	question	NOUN
fsr-3217	148	31	regarding	regard	VERB
fsr-3217	148	32	mortgage	mortgage	NOUN
fsr-3217	148	33	interest	interest	NOUN
fsr-3217	148	34	expenses	expense	NOUN
fsr-3217	148	35	(	(	PUNCT
fsr-3217	148	36	q4	q4	PROPN
fsr-3217	148	37	)	)	PUNCT
fsr-3217	148	38	.	.	PUNCT
fsr-3217	149	1	3	3	X
fsr-3217	149	2	.	.	X
fsr-3217	149	3	multivariate	multivariate	NOUN
fsr-3217	149	4	analysis	analysis	NOUN
fsr-3217	149	5	3.1	3.1	NUM
fsr-3217	149	6	.	.	PUNCT
fsr-3217	150	1	financial	financial	ADJ
fsr-3217	150	2	adviser	adviser	NOUN
fsr-3217	150	3	users	user	NOUN
fsr-3217	150	4	to	to	PART
fsr-3217	150	5	determine	determine	VERB
fsr-3217	150	6	who	who	PRON
fsr-3217	150	7	is	be	AUX
fsr-3217	150	8	using	use	VERB
fsr-3217	150	9	financial	financial	ADJ
fsr-3217	150	10	advisers	adviser	NOUN
fsr-3217	150	11	,	,	PUNCT
fsr-3217	150	12	we	we	PRON
fsr-3217	150	13	use	use	VERB
fsr-3217	150	14	multivariate	multivariate	NOUN
fsr-3217	150	15	ols	ol	NOUN
fsr-3217	150	16	regressions	regression	NOUN
fsr-3217	150	17	to	to	PART
fsr-3217	150	18	relate	relate	VERB
fsr-3217	150	19	each	each	DET
fsr-3217	150	20	demographics	demographic	NOUN
fsr-3217	150	21	characteristic	characteristic	NOUN
fsr-3217	150	22	associated	associate	VERB
fsr-3217	150	23	with	with	ADP
fsr-3217	150	24	individuals	individual	NOUN
fsr-3217	150	25	that	that	PRON
fsr-3217	150	26	used	use	VERB
fsr-3217	150	27	one	one	NUM
fsr-3217	150	28	or	or	CCONJ
fsr-3217	150	29	more	more	ADJ
fsr-3217	150	30	of	of	ADP
fsr-3217	150	31	the	the	DET
fsr-3217	150	32	five	five	NUM
fsr-3217	150	33	types	type	NOUN
fsr-3217	150	34	of	of	ADP
fsr-3217	150	35	financial	financial	ADJ
fsr-3217	150	36	advisers	adviser	NOUN
fsr-3217	150	37	while	while	SCONJ
fsr-3217	150	38	controlling	control	VERB
fsr-3217	150	39	for	for	ADP
fsr-3217	150	40	all	all	DET
fsr-3217	150	41	other	other	ADJ
fsr-3217	150	42	demographic	demographic	ADJ
fsr-3217	150	43	characteristics	characteristic	NOUN
fsr-3217	150	44	.	.	PUNCT
fsr-3217	151	1	we	we	PRON
fsr-3217	151	2	also	also	ADV
fsr-3217	151	3	estimate	estimate	VERB
fsr-3217	151	4	a	a	DET
fsr-3217	151	5	multinomial	multinomial	ADJ
fsr-3217	151	6	logit	logit	NOUN
fsr-3217	151	7	regression	regression	NOUN
fsr-3217	151	8	model	model	NOUN
fsr-3217	151	9	to	to	PART
fsr-3217	151	10	estimate	estimate	VERB
fsr-3217	151	11	the	the	DET
fsr-3217	151	12	effect	effect	NOUN
fsr-3217	151	13	each	each	DET
fsr-3217	151	14	demographic	demographic	ADJ
fsr-3217	151	15	characteristic	characteristic	NOUN
fsr-3217	151	16	has	have	VERB
fsr-3217	151	17	on	on	ADP
fsr-3217	151	18	the	the	DET
fsr-3217	151	19	probability	probability	NOUN
fsr-3217	151	20	of	of	ADP
fsr-3217	151	21	using	use	VERB
fsr-3217	151	22	at	at	ADV
fsr-3217	151	23	least	least	ADJ
fsr-3217	151	24	one	one	NUM
fsr-3217	151	25	of	of	ADP
fsr-3217	151	26	the	the	DET
fsr-3217	151	27	five	five	NUM
fsr-3217	151	28	types	type	NOUN
fsr-3217	151	29	of	of	ADP
fsr-3217	151	30	financial	financial	ADJ
fsr-3217	151	31	advisers	adviser	NOUN
fsr-3217	151	32	while	while	SCONJ
fsr-3217	151	33	simultaneously	simultaneously	ADV
fsr-3217	151	34	controlling	control	VERB
fsr-3217	151	35	for	for	ADP
fsr-3217	151	36	the	the	DET
fsr-3217	151	37	effects	effect	NOUN
fsr-3217	151	38	of	of	ADP
fsr-3217	151	39	all	all	DET
fsr-3217	151	40	other	other	ADJ
fsr-3217	151	41	demographic	demographic	ADJ
fsr-3217	151	42	characteristics	characteristic	NOUN
fsr-3217	151	43	.	.	PUNCT
fsr-3217	152	1	the	the	DET
fsr-3217	152	2	dependent	dependent	ADJ
fsr-3217	152	3	variable	variable	NOUN
fsr-3217	152	4	in	in	ADP
fsr-3217	152	5	both	both	DET
fsr-3217	152	6	models	model	NOUN
fsr-3217	152	7	,	,	PUNCT
fsr-3217	152	8	financial	financial	ADJ
fsr-3217	152	9	adviser	adviser	NOUN
fsr-3217	152	10	users	user	NOUN
fsr-3217	152	11	,	,	PUNCT
fsr-3217	152	12	is	be	AUX
fsr-3217	152	13	a	a	DET
fsr-3217	152	14	dummy	dummy	ADJ
fsr-3217	152	15	variable	variable	NOUN
fsr-3217	152	16	set	set	VERB
fsr-3217	152	17	equal	equal	ADJ
fsr-3217	152	18	to	to	ADP
fsr-3217	152	19	1	1	NUM
fsr-3217	152	20	if	if	SCONJ
fsr-3217	152	21	the	the	DET
fsr-3217	152	22	survey	survey	NOUN
fsr-3217	152	23	respondent	respondent	NOUN
fsr-3217	152	24	used	use	VERB
fsr-3217	152	25	at	at	ADP
fsr-3217	152	26	least	least	ADJ
fsr-3217	152	27	one	one	NUM
fsr-3217	152	28	of	of	ADP
fsr-3217	152	29	the	the	DET
fsr-3217	152	30	five	five	NUM
fsr-3217	152	31	types	type	NOUN
fsr-3217	152	32	of	of	ADP
fsr-3217	152	33	financial	financial	ADJ
fsr-3217	152	34	advisers	adviser	NOUN
fsr-3217	152	35	,	,	PUNCT
fsr-3217	152	36	or	or	CCONJ
fsr-3217	152	37	0	0	NUM
fsr-3217	152	38	otherwise	otherwise	ADV
fsr-3217	152	39	.	.	PUNCT
fsr-3217	153	1	the	the	DET
fsr-3217	153	2	demographic	demographic	ADJ
fsr-3217	153	3	characteristics	characteristic	NOUN
fsr-3217	153	4	included	include	VERB
fsr-3217	153	5	are	be	AUX
fsr-3217	153	6	financial	financial	ADJ
fsr-3217	153	7	education	education	NOUN
fsr-3217	153	8	,	,	PUNCT
fsr-3217	153	9	female	female	NOUN
fsr-3217	153	10	,	,	PUNCT
fsr-3217	153	11	age	age	NOUN
fsr-3217	153	12	group	group	NOUN
fsr-3217	153	13	,	,	PUNCT
fsr-3217	153	14	black	black	ADJ
fsr-3217	153	15	(	(	PUNCT
fsr-3217	153	16	non	non	ADJ
fsr-3217	153	17	-	-	ADJ
fsr-3217	153	18	hispanic	hispanic	ADJ
fsr-3217	153	19	)	)	PUNCT
fsr-3217	153	20	,	,	PUNCT
fsr-3217	153	21	education	education	NOUN
fsr-3217	153	22	,	,	PUNCT
fsr-3217	153	23	marital	marital	ADJ
fsr-3217	153	24	status	status	NOUN
fsr-3217	153	25	,	,	PUNCT
fsr-3217	153	26	income	income	NOUN
fsr-3217	153	27	,	,	PUNCT
fsr-3217	153	28	employment	employment	NOUN
fsr-3217	153	29	,	,	PUNCT
fsr-3217	153	30	and	and	CCONJ
fsr-3217	153	31	region	region	NOUN
fsr-3217	153	32	.	.	PUNCT
fsr-3217	154	1	financial	financial	ADJ
fsr-3217	154	2	education	education	NOUN
fsr-3217	154	3	is	be	AUX
fsr-3217	154	4	a	a	DET
fsr-3217	154	5	dummy	dummy	ADJ
fsr-3217	154	6	variable	variable	NOUN
fsr-3217	154	7	set	set	VERB
fsr-3217	154	8	equal	equal	ADJ
fsr-3217	154	9	to	to	ADP
fsr-3217	154	10	1	1	NUM
fsr-3217	154	11	if	if	SCONJ
fsr-3217	154	12	the	the	DET
fsr-3217	154	13	respondent	respondent	NOUN
fsr-3217	154	14	had	have	VERB
fsr-3217	154	15	any	any	DET
fsr-3217	154	16	financial	financial	ADJ
fsr-3217	154	17	education	education	NOUN
fsr-3217	154	18	training	training	NOUN
fsr-3217	154	19	,	,	PUNCT
fsr-3217	154	20	or	or	CCONJ
fsr-3217	154	21	0	0	NUM
fsr-3217	154	22	otherwise	otherwise	ADV
fsr-3217	154	23	.	.	PUNCT
fsr-3217	155	1	female	female	NOUN
fsr-3217	155	2	is	be	AUX
fsr-3217	155	3	a	a	DET
fsr-3217	155	4	dummy	dummy	ADJ
fsr-3217	155	5	variable	variable	NOUN
fsr-3217	155	6	set	set	VERB
fsr-3217	155	7	equal	equal	ADJ
fsr-3217	155	8	to	to	ADP
fsr-3217	155	9	1	1	NUM
fsr-3217	155	10	for	for	ADP
fsr-3217	155	11	females	female	NOUN
fsr-3217	155	12	and	and	CCONJ
fsr-3217	155	13	0	0	NUM
fsr-3217	155	14	for	for	ADP
fsr-3217	155	15	males	male	NOUN
fsr-3217	155	16	.	.	PUNCT
fsr-3217	156	1	black	black	ADJ
fsr-3217	156	2	(	(	PUNCT
fsr-3217	156	3	non	non	ADJ
fsr-3217	156	4	-	-	ADJ
fsr-3217	156	5	hispanic	hispanic	ADJ
fsr-3217	156	6	)	)	PUNCT
fsr-3217	156	7	is	be	AUX
fsr-3217	156	8	a	a	DET
fsr-3217	156	9	dummy	dummy	ADJ
fsr-3217	156	10	variable	variable	NOUN
fsr-3217	156	11	set	set	VERB
fsr-3217	156	12	equal	equal	ADJ
fsr-3217	156	13	to	to	ADP
fsr-3217	156	14	1	1	NUM
fsr-3217	156	15	if	if	SCONJ
fsr-3217	156	16	the	the	DET
fsr-3217	156	17	person	person	NOUN
fsr-3217	156	18	is	be	AUX
fsr-3217	156	19	black	black	ADJ
fsr-3217	156	20	(	(	PUNCT
fsr-3217	156	21	non	non	ADJ
fsr-3217	156	22	-	-	ADJ
fsr-3217	156	23	hispanic	hispanic	ADJ
fsr-3217	156	24	)	)	PUNCT
fsr-3217	156	25	,	,	PUNCT
fsr-3217	156	26	or	or	CCONJ
fsr-3217	156	27	0	0	NUM
fsr-3217	156	28	otherwise	otherwise	ADV
fsr-3217	156	29	.	.	PUNCT
fsr-3217	157	1	the	the	DET
fsr-3217	157	2	categories	category	NOUN
fsr-3217	157	3	within	within	ADP
fsr-3217	157	4	the	the	DET
fsr-3217	157	5	age	age	NOUN
fsr-3217	157	6	group	group	NOUN
fsr-3217	157	7	,	,	PUNCT
fsr-3217	157	8	education	education	NOUN
fsr-3217	157	9	,	,	PUNCT
fsr-3217	157	10	marital	marital	ADJ
fsr-3217	157	11	status	status	NOUN
fsr-3217	157	12	,	,	PUNCT
fsr-3217	157	13	income	income	NOUN
fsr-3217	157	14	,	,	PUNCT
fsr-3217	157	15	employment	employment	NOUN
fsr-3217	157	16	,	,	PUNCT
fsr-3217	157	17	and	and	CCONJ
fsr-3217	157	18	region	region	NOUN
fsr-3217	157	19	demographic	demographic	ADJ
fsr-3217	157	20	characteristic	characteristic	NOUN
fsr-3217	157	21	as	as	SCONJ
fsr-3217	157	22	identified	identify	VERB
fsr-3217	157	23	in	in	ADP
fsr-3217	157	24	table	table	NOUN
fsr-3217	157	25	3	3	NUM
fsr-3217	157	26	are	be	AUX
fsr-3217	157	27	set	set	VERB
fsr-3217	157	28	equal	equal	ADJ
fsr-3217	157	29	to	to	ADP
fsr-3217	157	30	1	1	NUM
fsr-3217	157	31	if	if	SCONJ
fsr-3217	157	32	the	the	DET
fsr-3217	157	33	respondent	respondent	NOUN
fsr-3217	157	34	identifies	identify	VERB
fsr-3217	157	35	themselves	themselves	PRON
fsr-3217	157	36	to	to	PART
fsr-3217	157	37	be	be	AUX
fsr-3217	157	38	in	in	ADP
fsr-3217	157	39	that	that	DET
fsr-3217	157	40	categorical	categorical	ADJ
fsr-3217	157	41	group	group	NOUN
fsr-3217	157	42	,	,	PUNCT
fsr-3217	157	43	or	or	CCONJ
fsr-3217	157	44	0	0	NUM
fsr-3217	157	45	otherwise	otherwise	ADV
fsr-3217	157	46	.	.	PUNCT
fsr-3217	158	1	the	the	DET
fsr-3217	158	2	first	first	ADJ
fsr-3217	158	3	two	two	NUM
fsr-3217	158	4	columns	column	NOUN
fsr-3217	158	5	in	in	ADP
fsr-3217	158	6	table	table	NOUN
fsr-3217	158	7	3	3	NUM
fsr-3217	158	8	report	report	NOUN
fsr-3217	158	9	coefficient	coefficient	NOUN
fsr-3217	158	10	estimates	estimate	NOUN
fsr-3217	158	11	and	and	CCONJ
fsr-3217	158	12	t	t	NOUN
fsr-3217	158	13	-	-	PUNCT
fsr-3217	158	14	stats	stat	NOUN
fsr-3217	158	15	from	from	ADP
fsr-3217	158	16	ols	ol	NOUN
fsr-3217	158	17	estimation	estimation	NOUN
fsr-3217	158	18	.	.	PUNCT
fsr-3217	159	1	we	we	PRON
fsr-3217	159	2	find	find	VERB
fsr-3217	159	3	the	the	DET
fsr-3217	159	4	ols	ol	NOUN
fsr-3217	159	5	coefficient	coefficient	NOUN
fsr-3217	159	6	estimates	estimate	NOUN
fsr-3217	159	7	for	for	ADP
fsr-3217	159	8	financial	financial	ADJ
fsr-3217	159	9	education	education	NOUN
fsr-3217	159	10	and	and	CCONJ
fsr-3217	159	11	female	female	NOUN
fsr-3217	159	12	is	be	AUX
fsr-3217	159	13	positive	positive	ADJ
fsr-3217	159	14	and	and	CCONJ
fsr-3217	159	15	highly	highly	ADV
fsr-3217	159	16	significant	significant	ADJ
fsr-3217	159	17	indicating	indicate	VERB
fsr-3217	159	18	people	people	NOUN
fsr-3217	159	19	having	having	AUX
fsr-3217	159	20	received	receive	VERB
fsr-3217	159	21	financial	financial	ADJ
fsr-3217	159	22	education	education	NOUN
fsr-3217	159	23	in	in	ADP
fsr-3217	159	24	the	the	DET
fsr-3217	159	25	past	past	NOUN
fsr-3217	159	26	and	and	CCONJ
fsr-3217	159	27	females	female	NOUN
fsr-3217	159	28	tend	tend	VERB
fsr-3217	159	29	to	to	PART
fsr-3217	159	30	use	use	VERB
fsr-3217	159	31	financial	financial	ADJ
fsr-3217	159	32	advisers	adviser	NOUN
fsr-3217	159	33	.	.	PUNCT
fsr-3217	160	1	we	we	PRON
fsr-3217	160	2	also	also	ADV
fsr-3217	160	3	find	find	VERB
fsr-3217	160	4	there	there	PRON
fsr-3217	160	5	is	be	VERB
fsr-3217	160	6	a	a	DET
fsr-3217	160	7	highly	highly	ADV
fsr-3217	160	8	statistically	statistically	ADV
fsr-3217	160	9	significant	significant	ADJ
fsr-3217	160	10	monotonic	monotonic	ADJ
fsr-3217	160	11	increase	increase	NOUN
fsr-3217	160	12	in	in	ADP
fsr-3217	160	13	the	the	DET
fsr-3217	160	14	use	use	NOUN
fsr-3217	160	15	of	of	ADP
fsr-3217	160	16	financial	financial	ADJ
fsr-3217	160	17	advisers	adviser	NOUN
fsr-3217	160	18	across	across	ADP
fsr-3217	160	19	higher	high	ADJ
fsr-3217	160	20	education	education	NOUN
fsr-3217	160	21	and	and	CCONJ
fsr-3217	160	22	income	income	NOUN
fsr-3217	160	23	levels	level	NOUN
fsr-3217	160	24	.	.	PUNCT
fsr-3217	161	1	those	those	PRON
fsr-3217	161	2	in	in	ADP
fsr-3217	161	3	younger	young	ADJ
fsr-3217	161	4	age	age	NOUN
fsr-3217	161	5	groups	group	NOUN
fsr-3217	161	6	and	and	CCONJ
fsr-3217	161	7	non	non	ADJ
fsr-3217	161	8	-	-	ADJ
fsr-3217	161	9	married	married	ADJ
fsr-3217	161	10	people	people	NOUN
fsr-3217	161	11	are	be	AUX
fsr-3217	161	12	less	less	ADV
fsr-3217	161	13	likely	likely	ADJ
fsr-3217	161	14	to	to	PART
fsr-3217	161	15	use	use	VERB
fsr-3217	161	16	financial	financial	ADJ
fsr-3217	161	17	advisers	adviser	NOUN
fsr-3217	161	18	.	.	PUNCT
fsr-3217	162	1	however	however	ADV
fsr-3217	162	2	,	,	PUNCT
fsr-3217	162	3	results	result	NOUN
fsr-3217	162	4	are	be	AUX
fsr-3217	162	5	mixed	mix	VERB
fsr-3217	162	6	for	for	ADP
fsr-3217	162	7	different	different	ADJ
fsr-3217	162	8	employment	employment	NOUN
fsr-3217	162	9	and	and	CCONJ
fsr-3217	162	10	region	region	NOUN
fsr-3217	162	11	categories	category	NOUN
fsr-3217	162	12	and	and	CCONJ
fsr-3217	162	13	not	not	PART
fsr-3217	162	14	significant	significant	ADJ
fsr-3217	162	15	for	for	ADP
fsr-3217	162	16	black	black	ADJ
fsr-3217	162	17	(	(	PUNCT
fsr-3217	162	18	non	non	ADJ
fsr-3217	162	19	-	-	ADJ
fsr-3217	162	20	hispanic	hispanic	ADJ
fsr-3217	162	21	)	)	PUNCT
fsr-3217	162	22	indicating	indicate	VERB
fsr-3217	162	23	ethnicity	ethnicity	NOUN
fsr-3217	162	24	does	do	AUX
fsr-3217	162	25	not	not	PART
fsr-3217	162	26	appear	appear	VERB
fsr-3217	162	27	related	related	ADJ
fsr-3217	162	28	to	to	ADP
fsr-3217	162	29	using	use	VERB
fsr-3217	162	30	a	a	DET
fsr-3217	162	31	financial	financial	ADJ
fsr-3217	162	32	adviser	adviser	NOUN
fsr-3217	162	33	.	.	PUNCT
fsr-3217	163	1	the	the	DET
fsr-3217	163	2	last	last	ADJ
fsr-3217	163	3	three	three	NUM
fsr-3217	163	4	columns	column	NOUN
fsr-3217	163	5	in	in	ADP
fsr-3217	163	6	table	table	NOUN
fsr-3217	163	7	3	3	NUM
fsr-3217	163	8	report	report	NOUN
fsr-3217	163	9	logit	logit	NOUN
fsr-3217	163	10	coefficient	coefficient	NOUN
fsr-3217	163	11	estimates	estimate	NOUN
fsr-3217	163	12	,	,	PUNCT
fsr-3217	163	13	z	z	NOUN
fsr-3217	163	14	-	-	PUNCT
fsr-3217	163	15	stats	stat	NOUN
fsr-3217	163	16	,	,	PUNCT
fsr-3217	163	17	and	and	CCONJ
fsr-3217	163	18	odds	odd	VERB
fsr-3217	163	19	ratios	ratio	NOUN
fsr-3217	163	20	from	from	ADP
fsr-3217	163	21	the	the	DET
fsr-3217	163	22	logit	logit	NOUN
fsr-3217	163	23	regression	regression	NOUN
fsr-3217	163	24	results	result	NOUN
fsr-3217	163	25	.	.	PUNCT
fsr-3217	164	1	positive	positive	ADJ
fsr-3217	164	2	(	(	PUNCT
fsr-3217	164	3	negative	negative	ADJ
fsr-3217	164	4	)	)	PUNCT
fsr-3217	164	5	coefficient	coefficient	NOUN
fsr-3217	164	6	estimates	estimate	NOUN
fsr-3217	164	7	indicate	indicate	VERB
fsr-3217	164	8	that	that	SCONJ
fsr-3217	164	9	demographic	demographic	ADJ
fsr-3217	164	10	characteristic	characteristic	NOUN
fsr-3217	164	11	is	be	AUX
fsr-3217	164	12	more	more	ADV
fsr-3217	164	13	(	(	PUNCT
fsr-3217	164	14	less	less	ADJ
fsr-3217	164	15	)	)	PUNCT
fsr-3217	164	16	likely	likely	ADJ
fsr-3217	164	17	to	to	PART
fsr-3217	164	18	use	use	VERB
fsr-3217	164	19	a	a	DET
fsr-3217	164	20	financial	financial	ADJ
fsr-3217	164	21	adviser	adviser	NOUN
fsr-3217	164	22	compared	compare	VERB
fsr-3217	164	23	with	with	ADP
fsr-3217	164	24	the	the	DET
fsr-3217	164	25	reference	reference	NOUN
fsr-3217	164	26	category	category	NOUN
fsr-3217	164	27	identified	identify	VERB
fsr-3217	164	28	in	in	ADP
fsr-3217	164	29	the	the	DET
fsr-3217	164	30	table	table	NOUN
fsr-3217	164	31	for	for	ADP
fsr-3217	164	32	each	each	DET
fsr-3217	164	33	demographic	demographic	ADJ
fsr-3217	164	34	characteristic	characteristic	NOUN
fsr-3217	164	35	.	.	PUNCT
fsr-3217	165	1	consistent	consistent	ADJ
fsr-3217	165	2	with	with	ADP
fsr-3217	165	3	the	the	DET
fsr-3217	165	4	ols	ol	NOUN
fsr-3217	165	5	results	result	NOUN
fsr-3217	165	6	,	,	PUNCT
fsr-3217	165	7	we	we	PRON
fsr-3217	165	8	find	find	VERB
fsr-3217	165	9	that	that	SCONJ
fsr-3217	165	10	those	those	PRON
fsr-3217	165	11	having	have	VERB
fsr-3217	165	12	a	a	DET
fsr-3217	165	13	financial	financial	ADJ
fsr-3217	165	14	education	education	NOUN
fsr-3217	165	15	are	be	AUX
fsr-3217	165	16	62	62	NUM
fsr-3217	165	17	%	%	NOUN
fsr-3217	165	18	more	more	ADV
fsr-3217	165	19	likely	likely	ADJ
fsr-3217	165	20	,	,	PUNCT
fsr-3217	165	21	and	and	CCONJ
fsr-3217	165	22	females	female	NOUN
fsr-3217	165	23	14	14	NUM
fsr-3217	165	24	%	%	NOUN
fsr-3217	165	25	more	more	ADV
fsr-3217	165	26	likely	likely	ADJ
fsr-3217	165	27	,	,	PUNCT
fsr-3217	165	28	to	to	PART
fsr-3217	165	29	use	use	VERB
fsr-3217	165	30	a	a	DET
fsr-3217	165	31	financial	financial	ADJ
fsr-3217	165	32	adviser	adviser	NOUN
fsr-3217	165	33	.	.	PUNCT
fsr-3217	166	1	we	we	PRON
fsr-3217	166	2	also	also	ADV
fsr-3217	166	3	find	find	VERB
fsr-3217	166	4	there	there	PRON
fsr-3217	166	5	is	be	VERB
fsr-3217	166	6	a	a	DET
fsr-3217	166	7	monoton136	monoton136	PROPN
fsr-3217	166	8	b.	b.	PROPN
fsr-3217	166	9	balasubramnian	balasubramnian	PROPN
fsr-3217	166	10	,	,	PUNCT
fsr-3217	166	11	e.r	e.r	PROPN
fsr-3217	166	12	.	.	NOUN
fsr-3217	166	13	brisker	brisk	ADJ
fsr-3217	166	14	/	/	SYM
fsr-3217	166	15	financial	financial	ADJ
fsr-3217	166	16	services	service	NOUN
fsr-3217	166	17	review	review	VERB
fsr-3217	166	18	25	25	NUM
fsr-3217	166	19	(	(	PUNCT
fsr-3217	166	20	2016	2016	NUM
fsr-3217	166	21	)	)	PUNCT
fsr-3217	166	22	127–155	127–155	NUM
fsr-3217	166	23	table	table	NOUN
fsr-3217	166	24	3	3	NUM
fsr-3217	166	25	financial	financial	ADJ
fsr-3217	166	26	adviser	adviser	NOUN
fsr-3217	166	27	user	user	NOUN
fsr-3217	166	28	ols	ol	NOUN
fsr-3217	166	29	and	and	CCONJ
fsr-3217	166	30	logit	logit	PROPN
fsr-3217	166	31	regressions	regression	NOUN
fsr-3217	166	32	financial	financial	ADJ
fsr-3217	166	33	adviser	adviser	NOUN
fsr-3217	166	34	users	user	NOUN
fsr-3217	166	35	ols	ols	PROPN
fsr-3217	166	36	coefficient	coefficient	PROPN
fsr-3217	166	37	t	t	PROPN
fsr-3217	166	38	stat	stat	PROPN
fsr-3217	166	39	logit	logit	PROPN
fsr-3217	166	40	coefficient	coefficient	VERB
fsr-3217	166	41	z	z	NOUN
fsr-3217	166	42	-	-	PUNCT
fsr-3217	166	43	stat	stat	NOUN
fsr-3217	166	44	odds	odd	NOUN
fsr-3217	166	45	ratio	ratio	NOUN
fsr-3217	166	46	constant	constant	ADJ
fsr-3217	166	47	0.294	0.294	NUM
fsr-3217	166	48	*	*	PUNCT
fsr-3217	166	49	*	*	PUNCT
fsr-3217	166	50	*	*	X
fsr-3217	166	51	12.68	12.68	NUM
fsr-3217	166	52	�	�	NOUN
fsr-3217	166	53	0.921	0.921	NUM
fsr-3217	166	54	*	*	NOUN
fsr-3217	166	55	*	*	PUNCT
fsr-3217	166	56	*	*	PUNCT
fsr-3217	166	57	�	�	PROPN
fsr-3217	166	58	8.47	8.47	NUM
fsr-3217	166	59	0.398	0.398	NUM
fsr-3217	166	60	financial	financial	ADJ
fsr-3217	166	61	education	education	NOUN
fsr-3217	166	62	0.105	0.105	NUM
fsr-3217	166	63	*	*	NOUN
fsr-3217	166	64	*	*	PUNCT
fsr-3217	166	65	*	*	PUNCT
fsr-3217	166	66	13.79	13.79	NUM
fsr-3217	166	67	0.483	0.483	NUM
fsr-3217	166	68	*	*	PUNCT
fsr-3217	166	69	*	*	PUNCT
fsr-3217	166	70	*	*	PUNCT
fsr-3217	166	71	13.49	13.49	NUM
fsr-3217	166	72	1.621	1.621	NUM
fsr-3217	166	73	female	female	NOUN
fsr-3217	166	74	0.030	0.030	NUM
fsr-3217	166	75	*	*	PUNCT
fsr-3217	166	76	*	*	PUNCT
fsr-3217	166	77	*	*	PUNCT
fsr-3217	166	78	4.52	4.52	NUM
fsr-3217	166	79	0.135	0.135	NUM
fsr-3217	166	80	*	*	PUNCT
fsr-3217	166	81	*	*	PUNCT
fsr-3217	166	82	*	*	PUNCT
fsr-3217	166	83	4.44	4.44	NUM
fsr-3217	166	84	1.144	1.144	NUM
fsr-3217	166	85	age	age	NOUN
fsr-3217	166	86	group	group	NOUN
fsr-3217	166	87	25–34	25–34	NUM
fsr-3217	166	88	�	�	PROPN
fsr-3217	166	89	0.018	0.018	NUM
fsr-3217	166	90	�	�	PROPN
fsr-3217	166	91	1.25	1.25	NUM
fsr-3217	166	92	�	�	PROPN
fsr-3217	166	93	0.082	0.082	NUM
fsr-3217	166	94	�	�	PROPN
fsr-3217	166	95	1.28	1.28	NUM
fsr-3217	166	96	0.921	0.921	NUM
fsr-3217	166	97	35–44	35–44	NUM
fsr-3217	166	98	�	�	NOUN
fsr-3217	166	99	0.054	0.054	NUM
fsr-3217	166	100	*	*	PUNCT
fsr-3217	166	101	*	*	PUNCT
fsr-3217	166	102	*	*	X
fsr-3217	166	103	�	�	PROPN
fsr-3217	166	104	3.70	3.70	NUM
fsr-3217	166	105	�	�	NOUN
fsr-3217	166	106	0.243	0.243	NUM
fsr-3217	166	107	*	*	PUNCT
fsr-3217	166	108	*	*	PUNCT
fsr-3217	166	109	*	*	PUNCT
fsr-3217	166	110	�	�	PROPN
fsr-3217	166	111	3.71	3.71	NUM
fsr-3217	166	112	0.784	0.784	NUM
fsr-3217	166	113	45–54	45–54	NUM
fsr-3217	166	114	�	�	PROPN
fsr-3217	166	115	0.069	0.069	NUM
fsr-3217	166	116	*	*	PUNCT
fsr-3217	166	117	*	*	PUNCT
fsr-3217	166	118	*	*	PUNCT
fsr-3217	166	119	�	�	PROPN
fsr-3217	166	120	4.85	4.85	NUM
fsr-3217	166	121	�	�	NOUN
fsr-3217	166	122	0.309	0.309	NUM
fsr-3217	166	123	*	*	PUNCT
fsr-3217	166	124	*	*	PUNCT
fsr-3217	166	125	*	*	PUNCT
fsr-3217	166	126	�	�	PROPN
fsr-3217	166	127	4.83	4.83	NUM
fsr-3217	166	128	0.734	0.734	NUM
fsr-3217	166	129	55–64	55–64	NUM
fsr-3217	166	130	�	�	NOUN
fsr-3217	166	131	0.026	0.026	NUM
fsr-3217	166	132	*	*	SYM
fsr-3217	166	133	�	�	PROPN
fsr-3217	166	134	1.77	1.77	NUM
fsr-3217	166	135	�	�	NOUN
fsr-3217	166	136	0.116	0.116	NUM
fsr-3217	166	137	*	*	PUNCT
fsr-3217	166	138	�	�	PROPN
fsr-3217	166	139	1.74	1.74	NUM
fsr-3217	166	140	0.891	0.891	NUM
fsr-3217	166	141	65	65	NUM
fsr-3217	166	142	�	�	PROPN
fsr-3217	166	143	0.024	0.024	NUM
fsr-3217	166	144	1.41	1.41	NUM
fsr-3217	166	145	0.109	0.109	NUM
fsr-3217	166	146	1.44	1.44	NUM
fsr-3217	166	147	1.116	1.116	NUM
fsr-3217	166	148	black	black	ADJ
fsr-3217	166	149	(	(	PUNCT
fsr-3217	166	150	non	non	ADJ
fsr-3217	166	151	-	-	ADJ
fsr-3217	166	152	hispanic	hispanic	ADJ
fsr-3217	166	153	)	)	PUNCT
fsr-3217	166	154	�	�	PROPN
fsr-3217	166	155	0.008	0.008	NUM
fsr-3217	166	156	�	�	PROPN
fsr-3217	166	157	1.02	1.02	NUM
fsr-3217	166	158	�	�	PROPN
fsr-3217	166	159	0.035	0.035	NUM
fsr-3217	166	160	�	�	PROPN
fsr-3217	166	161	1.01	1.01	NUM
fsr-3217	166	162	0.965	0.965	NUM
fsr-3217	166	163	education	education	NOUN
fsr-3217	166	164	(	(	PUNCT
fsr-3217	166	165	reference	reference	NOUN
fsr-3217	166	166	category	category	NOUN
fsr-3217	166	167	:	:	PUNCT
fsr-3217	166	168	did	do	AUX
fsr-3217	166	169	not	not	PART
fsr-3217	166	170	complete	complete	VERB
fsr-3217	166	171	high	high	ADJ
fsr-3217	166	172	school	school	NOUN
fsr-3217	166	173	)	)	PUNCT
fsr-3217	166	174	high	high	ADJ
fsr-3217	166	175	school	school	NOUN
fsr-3217	166	176	0.037	0.037	NUM
fsr-3217	166	177	*	*	PUNCT
fsr-3217	166	178	*	*	PUNCT
fsr-3217	166	179	*	*	PUNCT
fsr-3217	166	180	2.58	2.58	NUM
fsr-3217	166	181	0.177	0.177	NUM
fsr-3217	166	182	*	*	PUNCT
fsr-3217	166	183	*	*	PUNCT
fsr-3217	166	184	*	*	PUNCT
fsr-3217	166	185	2.63	2.63	NUM
fsr-3217	166	186	1.194	1.194	NUM
fsr-3217	166	187	ged	ge	VERB
fsr-3217	166	188	0.005	0.005	NUM
fsr-3217	166	189	0.26	0.26	NUM
fsr-3217	166	190	0.035	0.035	NUM
fsr-3217	166	191	0.43	0.43	NUM
fsr-3217	166	192	1.036	1.036	NUM
fsr-3217	166	193	some	some	DET
fsr-3217	166	194	college	college	NOUN
fsr-3217	166	195	0.100	0.100	NUM
fsr-3217	166	196	*	*	PUNCT
fsr-3217	166	197	*	*	PUNCT
fsr-3217	166	198	*	*	PUNCT
fsr-3217	166	199	7.21	7.21	NUM
fsr-3217	166	200	0.443	0.443	NUM
fsr-3217	166	201	*	*	PUNCT
fsr-3217	166	202	*	*	PUNCT
fsr-3217	166	203	*	*	PUNCT
fsr-3217	166	204	6.76	6.76	NUM
fsr-3217	166	205	1.558	1.558	NUM
fsr-3217	166	206	college	college	NOUN
fsr-3217	166	207	graduate	graduate	NOUN
fsr-3217	166	208	0.147	0.147	NUM
fsr-3217	166	209	*	*	PUNCT
fsr-3217	166	210	*	*	PUNCT
fsr-3217	166	211	*	*	PUNCT
fsr-3217	166	212	9.80	9.80	NUM
fsr-3217	166	213	0.649	0.649	NUM
fsr-3217	166	214	*	*	PUNCT
fsr-3217	166	215	*	*	PUNCT
fsr-3217	166	216	*	*	PUNCT
fsr-3217	166	217	9.24	9.24	NUM
fsr-3217	166	218	1.913	1.913	NUM
fsr-3217	166	219	post	post	ADJ
fsr-3217	166	220	-	-	ADJ
fsr-3217	166	221	graduate	graduate	ADJ
fsr-3217	166	222	0.159	0.159	NOUN
fsr-3217	166	223	*	*	PUNCT
fsr-3217	166	224	*	*	PUNCT
fsr-3217	166	225	*	*	PUNCT
fsr-3217	166	226	9.77	9.77	NUM
fsr-3217	166	227	0.717	0.717	NUM
fsr-3217	166	228	*	*	PUNCT
fsr-3217	166	229	*	*	PUNCT
fsr-3217	166	230	*	*	PUNCT
fsr-3217	166	231	9.25	9.25	NUM
fsr-3217	166	232	2.049	2.049	NUM
fsr-3217	166	233	marital	marital	ADJ
fsr-3217	166	234	status	status	NOUN
fsr-3217	166	235	(	(	PUNCT
fsr-3217	166	236	reference	reference	NOUN
fsr-3217	166	237	group	group	NOUN
fsr-3217	166	238	:	:	PUNCT
fsr-3217	166	239	married	married	ADJ
fsr-3217	166	240	)	)	PUNCT
fsr-3217	166	241	living	live	VERB
fsr-3217	166	242	-	-	PUNCT
fsr-3217	166	243	with	with	ADP
fsr-3217	166	244	-	-	PUNCT
fsr-3217	166	245	partner	partner	NOUN
fsr-3217	166	246	�	�	PROPN
fsr-3217	166	247	0.022	0.022	NUM
fsr-3217	166	248	*	*	SYM
fsr-3217	166	249	�	�	PROPN
fsr-3217	166	250	1.78	1.78	NUM
fsr-3217	166	251	�	�	PROPN
fsr-3217	166	252	0.099	0.099	NUM
fsr-3217	166	253	*	*	PUNCT
fsr-3217	166	254	�	�	PROPN
fsr-3217	166	255	1.76	1.76	NUM
fsr-3217	166	256	0.906	0.906	NUM
fsr-3217	166	257	single	single	ADJ
fsr-3217	166	258	�	�	NOUN
fsr-3217	166	259	0.043	0.043	NUM
fsr-3217	166	260	*	*	PUNCT
fsr-3217	166	261	*	*	PUNCT
fsr-3217	166	262	*	*	PUNCT
fsr-3217	166	263	�	�	PROPN
fsr-3217	166	264	5.34	5.34	NUM
fsr-3217	166	265	�	�	NOUN
fsr-3217	166	266	0.194	0.194	NUM
fsr-3217	166	267	*	*	PUNCT
fsr-3217	166	268	*	*	PUNCT
fsr-3217	166	269	*	*	PUNCT
fsr-3217	166	270	�	�	PROPN
fsr-3217	166	271	5.44	5.44	NUM
fsr-3217	166	272	0.823	0.823	NUM
fsr-3217	166	273	income	income	NOUN
fsr-3217	166	274	(	(	PUNCT
fsr-3217	166	275	reference	reference	NOUN
fsr-3217	166	276	category	category	NOUN
fsr-3217	166	277	:	:	PUNCT
fsr-3217	166	278	less	less	ADJ
fsr-3217	166	279	than	than	ADP
fsr-3217	166	280	$	$	SYM
fsr-3217	166	281	15,000	15,000	NUM
fsr-3217	166	282	)	)	PUNCT
fsr-3217	166	283	$	$	SYM
fsr-3217	166	284	15,000	15,000	NUM
fsr-3217	166	285	$	$	SYM
fsr-3217	166	286	24,999	24,999	NUM
fsr-3217	166	287	0.102	0.102	NUM
fsr-3217	166	288	*	*	PUNCT
fsr-3217	166	289	*	*	PUNCT
fsr-3217	166	290	*	*	PUNCT
fsr-3217	166	291	7.80	7.80	NUM
fsr-3217	166	292	0.481	0.481	NUM
fsr-3217	167	1	*	*	PUNCT
fsr-3217	168	1	*	*	PUNCT
fsr-3217	168	2	*	*	PUNCT
fsr-3217	169	1	7.85	7.85	NUM
fsr-3217	169	2	1.618	1.618	NUM
fsr-3217	169	3	$	$	SYM
fsr-3217	169	4	25,000	25,000	NUM
fsr-3217	169	5	$	$	SYM
fsr-3217	169	6	34,999	34,999	NUM
fsr-3217	169	7	0.134	0.134	NUM
fsr-3217	169	8	*	*	PUNCT
fsr-3217	169	9	*	*	PUNCT
fsr-3217	169	10	*	*	PUNCT
fsr-3217	169	11	9.73	9.73	NUM
fsr-3217	169	12	0.610	0.610	NUM
fsr-3217	169	13	*	*	PUNCT
fsr-3217	169	14	*	*	PUNCT
fsr-3217	169	15	*	*	X
fsr-3217	169	16	9.71	9.71	NUM
fsr-3217	169	17	1.840	1.840	NUM
fsr-3217	169	18	$	$	SYM
fsr-3217	169	19	35,000	35,000	NUM
fsr-3217	169	20	$	$	SYM
fsr-3217	169	21	49,999	49,999	NUM
fsr-3217	169	22	0.177	0.177	NUM
fsr-3217	169	23	*	*	PUNCT
fsr-3217	169	24	*	*	PUNCT
fsr-3217	169	25	*	*	PUNCT
fsr-3217	169	26	13.24	13.24	NUM
fsr-3217	169	27	0.787	0.787	NUM
fsr-3217	169	28	*	*	PUNCT
fsr-3217	169	29	*	*	PUNCT
fsr-3217	169	30	*	*	PUNCT
fsr-3217	169	31	12.87	12.87	NUM
fsr-3217	169	32	2.196	2.196	NUM
fsr-3217	169	33	$	$	SYM
fsr-3217	169	34	50,000	50,000	NUM
fsr-3217	169	35	$	$	SYM
fsr-3217	169	36	74,999	74,999	NUM
fsr-3217	169	37	0.230	0.230	NUM
fsr-3217	169	38	*	*	PUNCT
fsr-3217	169	39	*	*	PUNCT
fsr-3217	169	40	*	*	PUNCT
fsr-3217	169	41	17.35	17.35	NUM
fsr-3217	169	42	1.004	1.004	NUM
fsr-3217	169	43	*	*	PUNCT
fsr-3217	169	44	*	*	PUNCT
fsr-3217	169	45	*	*	PUNCT
fsr-3217	169	46	16.45	16.45	NUM
fsr-3217	169	47	2.729	2.729	NUM
fsr-3217	169	48	$	$	SYM
fsr-3217	169	49	75,000	75,000	NUM
fsr-3217	169	50	$	$	SYM
fsr-3217	169	51	99,999	99,999	NUM
fsr-3217	169	52	0.262	0.262	NUM
fsr-3217	169	53	*	*	PUNCT
fsr-3217	169	54	*	*	PUNCT
fsr-3217	169	55	*	*	PUNCT
fsr-3217	169	56	17.73	17.73	NUM
fsr-3217	169	57	1.142	1.142	NUM
fsr-3217	169	58	*	*	PUNCT
fsr-3217	169	59	*	*	PUNCT
fsr-3217	169	60	*	*	PUNCT
fsr-3217	169	61	16.79	16.79	NUM
fsr-3217	169	62	3.134	3.134	NUM
fsr-3217	169	63	$	$	SYM
fsr-3217	169	64	100,000	100,000	NUM
fsr-3217	169	65	$	$	SYM
fsr-3217	169	66	149,999	149,999	NUM
fsr-3217	169	67	0.305	0.305	NUM
fsr-3217	169	68	*	*	PUNCT
fsr-3217	169	69	*	*	PUNCT
fsr-3217	169	70	*	*	PUNCT
fsr-3217	169	71	20.04	20.04	NUM
fsr-3217	169	72	1.349	1.349	NUM
fsr-3217	169	73	*	*	PUNCT
fsr-3217	169	74	*	*	PUNCT
fsr-3217	169	75	*	*	X
fsr-3217	169	76	18.76	18.76	NUM
fsr-3217	169	77	3.853	3.853	NUM
fsr-3217	169	78	$	$	SYM
fsr-3217	169	79	150,000	150,000	NUM
fsr-3217	169	80	or	or	CCONJ
fsr-3217	169	81	more	more	ADJ
fsr-3217	169	82	0.339	0.339	NUM
fsr-3217	169	83	*	*	PUNCT
fsr-3217	169	84	*	*	PUNCT
fsr-3217	169	85	*	*	PUNCT
fsr-3217	170	1	20.01	20.01	NUM
fsr-3217	170	2	1.532	1.532	NUM
fsr-3217	170	3	*	*	PUNCT
fsr-3217	170	4	*	*	PUNCT
fsr-3217	170	5	*	*	PUNCT
fsr-3217	170	6	18.26	18.26	NUM
fsr-3217	170	7	4.628	4.628	NUM
fsr-3217	170	8	employment	employment	NOUN
fsr-3217	170	9	(	(	PUNCT
fsr-3217	170	10	reference	reference	NOUN
fsr-3217	170	11	category	category	NOUN
fsr-3217	170	12	:	:	PUNCT
fsr-3217	170	13	self	self	NOUN
fsr-3217	170	14	employed	employ	VERB
fsr-3217	170	15	)	)	PUNCT
fsr-3217	170	16	employed	employ	VERB
fsr-3217	170	17	full	full	ADJ
fsr-3217	170	18	-	-	PUNCT
fsr-3217	170	19	time	time	NOUN
fsr-3217	170	20	�	�	PROPN
fsr-3217	170	21	0.038	0.038	NUM
fsr-3217	170	22	*	*	PUNCT
fsr-3217	170	23	*	*	PUNCT
fsr-3217	170	24	*	*	PUNCT
fsr-3217	170	25	�	�	PROPN
fsr-3217	170	26	3.05	3.05	NUM
fsr-3217	170	27	�	�	NOUN
fsr-3217	170	28	0.175	0.175	NUM
fsr-3217	170	29	*	*	PUNCT
fsr-3217	170	30	*	*	PUNCT
fsr-3217	170	31	*	*	PUNCT
fsr-3217	170	32	�	�	PROPN
fsr-3217	170	33	3.05	3.05	NUM
fsr-3217	170	34	0.839	0.839	NUM
fsr-3217	170	35	employed	employ	VERB
fsr-3217	170	36	part	part	ADJ
fsr-3217	170	37	-	-	PUNCT
fsr-3217	170	38	time	time	NOUN
fsr-3217	170	39	�	�	PROPN
fsr-3217	170	40	0.039	0.039	NUM
fsr-3217	170	41	*	*	NOUN
fsr-3217	170	42	*	*	PUNCT
fsr-3217	170	43	�	�	PROPN
fsr-3217	170	44	2.50	2.50	NUM
fsr-3217	170	45	�	�	NOUN
fsr-3217	170	46	0.176	0.176	NUM
fsr-3217	170	47	*	*	NOUN
fsr-3217	170	48	*	*	PUNCT
fsr-3217	170	49	�	�	PROPN
fsr-3217	170	50	2.51	2.51	NUM
fsr-3217	170	51	0.839	0.839	NUM
fsr-3217	170	52	homemaker	homemaker	NOUN
fsr-3217	170	53	�	�	NOUN
fsr-3217	170	54	0.102	0.102	NUM
fsr-3217	170	55	*	*	PUNCT
fsr-3217	170	56	*	*	PUNCT
fsr-3217	170	57	*	*	PUNCT
fsr-3217	170	58	�	�	PROPN
fsr-3217	170	59	6.41	6.41	NUM
fsr-3217	170	60	�	�	NOUN
fsr-3217	170	61	0.453	0.453	NUM
fsr-3217	170	62	*	*	PUNCT
fsr-3217	170	63	*	*	PUNCT
fsr-3217	170	64	*	*	PUNCT
fsr-3217	170	65	�	�	PROPN
fsr-3217	170	66	6.32	6.32	NUM
fsr-3217	170	67	0.636	0.636	NUM
fsr-3217	170	68	full	full	ADJ
fsr-3217	170	69	-	-	PUNCT
fsr-3217	170	70	time	time	NOUN
fsr-3217	170	71	student	student	NOUN
fsr-3217	170	72	�	�	PROPN
fsr-3217	170	73	0.097	0.097	NUM
fsr-3217	170	74	*	*	PUNCT
fsr-3217	170	75	*	*	PUNCT
fsr-3217	170	76	*	*	PUNCT
fsr-3217	170	77	�	�	PROPN
fsr-3217	170	78	4.41	4.41	NUM
fsr-3217	170	79	�	�	NOUN
fsr-3217	170	80	0.426	0.426	NUM
fsr-3217	170	81	*	*	PUNCT
fsr-3217	170	82	*	*	PUNCT
fsr-3217	170	83	*	*	PUNCT
fsr-3217	170	84	�	�	PROPN
fsr-3217	170	85	4.36	4.36	NUM
fsr-3217	170	86	0.653	0.653	NUM
fsr-3217	170	87	disabled	disabled	ADJ
fsr-3217	170	88	�	�	NOUN
fsr-3217	170	89	0.066	0.066	NUM
fsr-3217	170	90	*	*	PUNCT
fsr-3217	170	91	*	*	PUNCT
fsr-3217	170	92	*	*	PUNCT
fsr-3217	170	93	�	�	PROPN
fsr-3217	170	94	3.63	3.63	NUM
fsr-3217	170	95	�	�	NOUN
fsr-3217	170	96	0.296	0.296	NUM
fsr-3217	170	97	*	*	PUNCT
fsr-3217	170	98	*	*	PUNCT
fsr-3217	170	99	*	*	PUNCT
fsr-3217	170	100	�	�	PROPN
fsr-3217	170	101	3.53	3.53	NUM
fsr-3217	170	102	0.744	0.744	NUM
fsr-3217	170	103	unemployed	unemployed	PROPN
fsr-3217	170	104	�	�	PROPN
fsr-3217	170	105	0.105	0.105	NUM
fsr-3217	170	106	*	*	NOUN
fsr-3217	170	107	*	*	PUNCT
fsr-3217	170	108	*	*	PUNCT
fsr-3217	170	109	�	�	PROPN
fsr-3217	170	110	6.48	6.48	NUM
fsr-3217	170	111	�	�	NOUN
fsr-3217	170	112	0.481	0.481	NUM
fsr-3217	170	113	*	*	PUNCT
fsr-3217	170	114	*	*	PUNCT
fsr-3217	170	115	*	*	PUNCT
fsr-3217	170	116	�	�	PROPN
fsr-3217	170	117	6.38	6.38	NUM
fsr-3217	170	118	0.618	0.618	NUM
fsr-3217	170	119	retired	retire	VERB
fsr-3217	170	120	�	�	PROPN
fsr-3217	170	121	0.036	0.036	NUM
fsr-3217	170	122	*	*	PUNCT
fsr-3217	170	123	*	*	PROPN
fsr-3217	170	124	�	�	PROPN
fsr-3217	170	125	2.47	2.47	NUM
fsr-3217	170	126	�	�	NOUN
fsr-3217	170	127	0.169	0.169	NUM
fsr-3217	170	128	*	*	SYM
fsr-3217	170	129	*	*	PUNCT
fsr-3217	170	130	�	�	PROPN
fsr-3217	170	131	2.49	2.49	NUM
fsr-3217	170	132	0.845	0.845	NUM
fsr-3217	170	133	region	region	NOUN
fsr-3217	170	134	(	(	PUNCT
fsr-3217	170	135	reference	reference	NOUN
fsr-3217	170	136	category	category	NOUN
fsr-3217	170	137	:	:	PUNCT
fsr-3217	170	138	northeast	northeast	ADJ
fsr-3217	170	139	)	)	PUNCT
fsr-3217	170	140	midwest	midwest	PROPN
fsr-3217	170	141	0.021	0.021	NUM
fsr-3217	170	142	*	*	PUNCT
fsr-3217	170	143	*	*	PUNCT
fsr-3217	170	144	2.07	2.07	NUM
fsr-3217	170	145	0.093	0.093	NUM
fsr-3217	170	146	*	*	PUNCT
fsr-3217	170	147	*	*	PUNCT
fsr-3217	170	148	2.07	2.07	NUM
fsr-3217	170	149	1.098	1.098	NUM
fsr-3217	170	150	south	south	PROPN
fsr-3217	170	151	�	�	PROPN
fsr-3217	170	152	0.002	0.002	NUM
fsr-3217	170	153	�	�	PROPN
fsr-3217	170	154	0.18	0.18	NUM
fsr-3217	170	155	�	�	PROPN
fsr-3217	170	156	0.007	0.007	NUM
fsr-3217	170	157	�	�	PROPN
fsr-3217	170	158	0.17	0.17	NUM
fsr-3217	170	159	0.993	0.993	NUM
fsr-3217	170	160	west	west	NOUN
fsr-3217	170	161	0.042	0.042	NUM
fsr-3217	170	162	*	*	PUNCT
fsr-3217	170	163	*	*	PUNCT
fsr-3217	170	164	*	*	PUNCT
fsr-3217	170	165	4.25	4.25	NUM
fsr-3217	170	166	0.188	0.188	NUM
fsr-3217	170	167	*	*	PUNCT
fsr-3217	170	168	*	*	PUNCT
fsr-3217	170	169	*	*	PUNCT
fsr-3217	170	170	4.21	4.21	NUM
fsr-3217	170	171	1.207	1.207	NUM
fsr-3217	170	172	observations	observation	NOUN
fsr-3217	170	173	22,218	22,218	NUM
fsr-3217	170	174	22,218	22,218	NUM
fsr-3217	170	175	adjusted	adjust	VERB
fsr-3217	170	176	r2	r2	PROPN
fsr-3217	170	177	0.110	0.110	NUM
fsr-3217	170	178	this	this	DET
fsr-3217	170	179	table	table	NOUN
fsr-3217	170	180	reports	report	VERB
fsr-3217	170	181	ols	ol	NOUN
fsr-3217	170	182	and	and	CCONJ
fsr-3217	170	183	logit	logit	PROPN
fsr-3217	170	184	regression	regression	NOUN
fsr-3217	170	185	results	result	NOUN
fsr-3217	170	186	where	where	SCONJ
fsr-3217	170	187	the	the	DET
fsr-3217	170	188	dependent	dependent	ADJ
fsr-3217	170	189	variable	variable	NOUN
fsr-3217	170	190	,	,	PUNCT
fsr-3217	170	191	financial	financial	ADJ
fsr-3217	170	192	adviser	adviser	NOUN
fsr-3217	170	193	users	user	NOUN
fsr-3217	170	194	,	,	PUNCT
fsr-3217	170	195	is	be	AUX
fsr-3217	170	196	set	set	VERB
fsr-3217	170	197	equal	equal	ADJ
fsr-3217	170	198	to	to	ADP
fsr-3217	170	199	1	1	NUM
fsr-3217	170	200	if	if	SCONJ
fsr-3217	170	201	the	the	DET
fsr-3217	170	202	person	person	NOUN
fsr-3217	170	203	used	use	VERB
fsr-3217	170	204	at	at	ADP
fsr-3217	170	205	least	least	ADJ
fsr-3217	170	206	one	one	NUM
fsr-3217	170	207	of	of	ADP
fsr-3217	170	208	the	the	DET
fsr-3217	170	209	five	five	NUM
fsr-3217	170	210	types	type	NOUN
fsr-3217	170	211	of	of	ADP
fsr-3217	170	212	financial	financial	ADJ
fsr-3217	170	213	advisers	adviser	NOUN
fsr-3217	170	214	,	,	PUNCT
fsr-3217	170	215	or	or	CCONJ
fsr-3217	170	216	0	0	NUM
fsr-3217	170	217	otherwise	otherwise	ADV
fsr-3217	170	218	.	.	PUNCT
fsr-3217	171	1	the	the	DET
fsr-3217	171	2	independent	independent	ADJ
fsr-3217	171	3	variables	variable	NOUN
fsr-3217	171	4	include	include	VERB
fsr-3217	171	5	financial	financial	ADJ
fsr-3217	171	6	education	education	NOUN
fsr-3217	171	7	,	,	PUNCT
fsr-3217	171	8	female	female	NOUN
fsr-3217	171	9	,	,	PUNCT
fsr-3217	171	10	age	age	NOUN
fsr-3217	171	11	group	group	NOUN
fsr-3217	171	12	,	,	PUNCT
fsr-3217	171	13	black	black	ADJ
fsr-3217	171	14	(	(	PUNCT
fsr-3217	171	15	non	non	ADJ
fsr-3217	171	16	-	-	ADJ
fsr-3217	171	17	hispanic	hispanic	ADJ
fsr-3217	171	18	)	)	PUNCT
fsr-3217	171	19	,	,	PUNCT
fsr-3217	171	20	education	education	NOUN
fsr-3217	171	21	,	,	PUNCT
fsr-3217	171	22	marital	marital	ADJ
fsr-3217	171	23	status	status	NOUN
fsr-3217	171	24	,	,	PUNCT
fsr-3217	171	25	income	income	NOUN
fsr-3217	171	26	,	,	PUNCT
fsr-3217	171	27	employment	employment	NOUN
fsr-3217	171	28	,	,	PUNCT
fsr-3217	171	29	and	and	CCONJ
fsr-3217	171	30	region	region	NOUN
fsr-3217	171	31	.	.	PUNCT
fsr-3217	172	1	positive	positive	ADJ
fsr-3217	172	2	(	(	PUNCT
fsr-3217	172	3	negative	negative	ADJ
fsr-3217	172	4	)	)	PUNCT
fsr-3217	172	5	coefficient	coefficient	NOUN
fsr-3217	172	6	estimates	estimate	NOUN
fsr-3217	172	7	indicate	indicate	VERB
fsr-3217	172	8	that	that	SCONJ
fsr-3217	172	9	demographic	demographic	ADJ
fsr-3217	172	10	characteristic	characteristic	NOUN
fsr-3217	172	11	is	be	AUX
fsr-3217	172	12	more	more	ADV
fsr-3217	172	13	(	(	PUNCT
fsr-3217	172	14	less	less	ADJ
fsr-3217	172	15	)	)	PUNCT
fsr-3217	172	16	likely	likely	ADJ
fsr-3217	172	17	to	to	PART
fsr-3217	172	18	use	use	VERB
fsr-3217	172	19	a	a	DET
fsr-3217	172	20	financial	financial	ADJ
fsr-3217	172	21	adviser	adviser	NOUN
fsr-3217	172	22	compared	compare	VERB
fsr-3217	172	23	to	to	ADP
fsr-3217	172	24	the	the	DET
fsr-3217	172	25	indicated	indicate	VERB
fsr-3217	172	26	reference	reference	NOUN
fsr-3217	172	27	category	category	NOUN
fsr-3217	172	28	.	.	PUNCT
fsr-3217	173	1	*	*	PUNCT
fsr-3217	174	1	*	*	PUNCT
fsr-3217	174	2	*	*	PUNCT
fsr-3217	174	3	,	,	PUNCT
fsr-3217	174	4	*	*	PUNCT
fsr-3217	174	5	*	*	PUNCT
fsr-3217	174	6	,	,	PUNCT
fsr-3217	174	7	and	and	CCONJ
fsr-3217	174	8	*	*	PUNCT
fsr-3217	174	9	denote	denote	NOUN
fsr-3217	174	10	significance	significance	NOUN
fsr-3217	174	11	at	at	ADP
fsr-3217	174	12	the	the	DET
fsr-3217	174	13	1	1	NUM
fsr-3217	174	14	%	%	NOUN
fsr-3217	174	15	,	,	PUNCT
fsr-3217	174	16	5	5	NUM
fsr-3217	174	17	%	%	NOUN
fsr-3217	174	18	,	,	PUNCT
fsr-3217	174	19	and	and	CCONJ
fsr-3217	174	20	10	10	NUM
fsr-3217	174	21	%	%	NOUN
fsr-3217	174	22	levels	level	NOUN
fsr-3217	174	23	,	,	PUNCT
fsr-3217	174	24	respectively	respectively	ADV
fsr-3217	174	25	.	.	PUNCT
fsr-3217	175	1	137b	137b	NOUN
fsr-3217	175	2	.	.	PUNCT
fsr-3217	176	1	balasubramnian	balasubramnian	PROPN
fsr-3217	176	2	,	,	PUNCT
fsr-3217	176	3	e.r	e.r	PROPN
fsr-3217	176	4	.	.	NOUN
fsr-3217	176	5	brisker	brisk	ADJ
fsr-3217	176	6	/	/	SYM
fsr-3217	176	7	financial	financial	ADJ
fsr-3217	176	8	services	service	NOUN
fsr-3217	176	9	review	review	VERB
fsr-3217	176	10	25	25	NUM
fsr-3217	176	11	(	(	PUNCT
fsr-3217	176	12	2016	2016	NUM
fsr-3217	176	13	)	)	PUNCT
fsr-3217	176	14	127–155	127–155	NUM
fsr-3217	176	15	ically	ically	ADV
fsr-3217	176	16	increasing	increase	VERB
fsr-3217	176	17	likelihood	likelihood	NOUN
fsr-3217	176	18	of	of	ADP
fsr-3217	176	19	using	use	VERB
fsr-3217	176	20	a	a	DET
fsr-3217	176	21	financial	financial	ADJ
fsr-3217	176	22	adviser	adviser	NOUN
fsr-3217	176	23	across	across	ADP
fsr-3217	176	24	higher	high	ADJ
fsr-3217	176	25	education	education	NOUN
fsr-3217	176	26	and	and	CCONJ
fsr-3217	176	27	income	income	NOUN
fsr-3217	176	28	levels	level	NOUN
fsr-3217	176	29	,	,	PUNCT
fsr-3217	176	30	but	but	CCONJ
fsr-3217	176	31	age	age	NOUN
fsr-3217	176	32	group	group	NOUN
fsr-3217	176	33	is	be	AUX
fsr-3217	176	34	significantly	significantly	ADV
fsr-3217	176	35	related	relate	VERB
fsr-3217	176	36	to	to	ADP
fsr-3217	176	37	a	a	DET
fsr-3217	176	38	reduced	reduce	VERB
fsr-3217	176	39	probability	probability	NOUN
fsr-3217	176	40	of	of	ADP
fsr-3217	176	41	using	use	VERB
fsr-3217	176	42	a	a	DET
fsr-3217	176	43	financial	financial	ADJ
fsr-3217	176	44	adviser	adviser	NOUN
fsr-3217	176	45	for	for	ADP
fsr-3217	176	46	those	those	PRON
fsr-3217	176	47	in	in	ADP
fsr-3217	176	48	younger	young	ADJ
fsr-3217	176	49	age	age	NOUN
fsr-3217	176	50	groups	group	NOUN
fsr-3217	176	51	.	.	PUNCT
fsr-3217	177	1	compared	compare	VERB
fsr-3217	177	2	with	with	ADP
fsr-3217	177	3	the	the	DET
fsr-3217	177	4	univariate	univariate	ADJ
fsr-3217	177	5	results	result	NOUN
fsr-3217	177	6	presented	present	VERB
fsr-3217	177	7	in	in	ADP
fsr-3217	177	8	table	table	NOUN
fsr-3217	177	9	2	2	NUM
fsr-3217	177	10	,	,	PUNCT
fsr-3217	177	11	this	this	PRON
fsr-3217	177	12	shows	show	VERB
fsr-3217	177	13	that	that	SCONJ
fsr-3217	177	14	it	it	PRON
fsr-3217	177	15	is	be	AUX
fsr-3217	177	16	income	income	NOUN
fsr-3217	177	17	rather	rather	ADV
fsr-3217	177	18	than	than	ADP
fsr-3217	177	19	age	age	NOUN
fsr-3217	177	20	that	that	PRON
fsr-3217	177	21	increases	increase	VERB
fsr-3217	177	22	the	the	DET
fsr-3217	177	23	probability	probability	NOUN
fsr-3217	177	24	of	of	ADP
fsr-3217	177	25	an	an	DET
fsr-3217	177	26	individual	individual	NOUN
fsr-3217	177	27	using	use	VERB
fsr-3217	177	28	a	a	DET
fsr-3217	177	29	financial	financial	ADJ
fsr-3217	177	30	adviser	adviser	NOUN
fsr-3217	177	31	.	.	PUNCT
fsr-3217	178	1	we	we	PRON
fsr-3217	178	2	also	also	ADV
fsr-3217	178	3	see	see	VERB
fsr-3217	178	4	that	that	SCONJ
fsr-3217	178	5	married	married	ADJ
fsr-3217	178	6	people	people	NOUN
fsr-3217	178	7	are	be	AUX
fsr-3217	178	8	more	more	ADV
fsr-3217	178	9	likely	likely	ADJ
fsr-3217	178	10	to	to	PART
fsr-3217	178	11	use	use	VERB
fsr-3217	178	12	financial	financial	ADJ
fsr-3217	178	13	advisers	adviser	NOUN
fsr-3217	178	14	than	than	ADP
fsr-3217	178	15	either	either	CCONJ
fsr-3217	178	16	single	single	ADJ
fsr-3217	178	17	or	or	CCONJ
fsr-3217	178	18	“	"	PUNCT
fsr-3217	178	19	living	live	VERB
fsr-3217	178	20	-	-	PUNCT
fsr-3217	178	21	with	with	ADP
fsr-3217	178	22	-	-	PUNCT
fsr-3217	178	23	partner	partner	NOUN
fsr-3217	178	24	”	"	PUNCT
fsr-3217	178	25	couples	couple	NOUN
fsr-3217	178	26	,	,	PUNCT
fsr-3217	178	27	and	and	CCONJ
fsr-3217	178	28	black	black	ADJ
fsr-3217	178	29	(	(	PUNCT
fsr-3217	178	30	nonhispanic	nonhispanic	ADJ
fsr-3217	178	31	)	)	PUNCT
fsr-3217	178	32	does	do	AUX
fsr-3217	178	33	not	not	PART
fsr-3217	178	34	impact	impact	VERB
fsr-3217	178	35	the	the	DET
fsr-3217	178	36	likelihood	likelihood	NOUN
fsr-3217	178	37	of	of	ADP
fsr-3217	178	38	using	use	VERB
fsr-3217	178	39	a	a	DET
fsr-3217	178	40	financial	financial	ADJ
fsr-3217	178	41	adviser	adviser	NOUN
fsr-3217	178	42	.	.	PUNCT
fsr-3217	179	1	when	when	SCONJ
fsr-3217	179	2	considering	consider	VERB
fsr-3217	179	3	employment	employment	NOUN
fsr-3217	179	4	,	,	PUNCT
fsr-3217	179	5	those	those	PRON
fsr-3217	179	6	that	that	PRON
fsr-3217	179	7	are	be	AUX
fsr-3217	179	8	self	self	NOUN
fsr-3217	179	9	-	-	PUNCT
fsr-3217	179	10	employed	employ	VERB
fsr-3217	179	11	are	be	AUX
fsr-3217	179	12	more	more	ADV
fsr-3217	179	13	likely	likely	ADJ
fsr-3217	179	14	to	to	PART
fsr-3217	179	15	use	use	VERB
fsr-3217	179	16	financial	financial	ADJ
fsr-3217	179	17	advisers	adviser	NOUN
fsr-3217	179	18	when	when	SCONJ
fsr-3217	179	19	compared	compare	VERB
fsr-3217	179	20	with	with	ADP
fsr-3217	179	21	all	all	DET
fsr-3217	179	22	other	other	ADJ
fsr-3217	179	23	employment	employment	NOUN
fsr-3217	179	24	categories	category	NOUN
fsr-3217	179	25	.	.	PUNCT
fsr-3217	180	1	finally	finally	ADV
fsr-3217	180	2	,	,	PUNCT
fsr-3217	180	3	we	we	PRON
fsr-3217	180	4	find	find	VERB
fsr-3217	180	5	that	that	SCONJ
fsr-3217	180	6	those	those	PRON
fsr-3217	180	7	from	from	ADP
fsr-3217	180	8	the	the	DET
fsr-3217	180	9	midwest	midwest	PROPN
fsr-3217	180	10	(	(	PUNCT
fsr-3217	180	11	west	west	PROPN
fsr-3217	180	12	)	)	PUNCT
fsr-3217	180	13	are	be	AUX
fsr-3217	180	14	10	10	NUM
fsr-3217	180	15	%	%	NOUN
fsr-3217	180	16	(	(	PUNCT
fsr-3217	180	17	21	21	NUM
fsr-3217	180	18	%	%	NOUN
fsr-3217	180	19	)	)	PUNCT
fsr-3217	180	20	more	more	ADV
fsr-3217	180	21	likely	likely	ADJ
fsr-3217	180	22	to	to	PART
fsr-3217	180	23	use	use	VERB
fsr-3217	180	24	a	a	DET
fsr-3217	180	25	financial	financial	ADJ
fsr-3217	180	26	adviser	adviser	NOUN
fsr-3217	180	27	compared	compare	VERB
fsr-3217	180	28	with	with	ADP
fsr-3217	180	29	those	those	PRON
fsr-3217	180	30	from	from	ADP
fsr-3217	180	31	the	the	DET
fsr-3217	180	32	south	south	NOUN
fsr-3217	180	33	or	or	CCONJ
fsr-3217	180	34	northeast	northeast	NOUN
fsr-3217	180	35	.	.	PUNCT
fsr-3217	181	1	in	in	ADP
fsr-3217	181	2	table	table	NOUN
fsr-3217	181	3	4	4	NUM
fsr-3217	181	4	we	we	PRON
fsr-3217	181	5	estimate	estimate	VERB
fsr-3217	181	6	the	the	DET
fsr-3217	181	7	same	same	ADJ
fsr-3217	181	8	ols	ol	NOUN
fsr-3217	181	9	and	and	CCONJ
fsr-3217	181	10	logit	logit	NOUN
fsr-3217	181	11	models	model	NOUN
fsr-3217	181	12	for	for	ADP
fsr-3217	181	13	each	each	PRON
fsr-3217	181	14	of	of	ADP
fsr-3217	181	15	the	the	DET
fsr-3217	181	16	five	five	NUM
fsr-3217	181	17	financial	financial	ADJ
fsr-3217	181	18	adviser	adviser	NOUN
fsr-3217	181	19	types	type	NOUN
fsr-3217	181	20	separately	separately	ADV
fsr-3217	181	21	.	.	PUNCT
fsr-3217	182	1	in	in	ADP
fsr-3217	182	2	this	this	DET
fsr-3217	182	3	case	case	NOUN
fsr-3217	182	4	,	,	PUNCT
fsr-3217	182	5	each	each	DET
fsr-3217	182	6	financial	financial	ADJ
fsr-3217	182	7	adviser	adviser	NOUN
fsr-3217	182	8	type	type	NOUN
fsr-3217	182	9	to	to	PART
fsr-3217	182	10	include	include	VERB
fsr-3217	182	11	debt	debt	NOUN
fsr-3217	182	12	counseling	counseling	NOUN
fsr-3217	182	13	,	,	PUNCT
fsr-3217	182	14	savings	saving	NOUN
fsr-3217	182	15	or	or	CCONJ
fsr-3217	182	16	investments	investment	NOUN
fsr-3217	182	17	,	,	PUNCT
fsr-3217	182	18	mortgage	mortgage	NOUN
fsr-3217	182	19	or	or	CCONJ
fsr-3217	182	20	loan	loan	NOUN
fsr-3217	182	21	,	,	PUNCT
fsr-3217	182	22	insurance	insurance	NOUN
fsr-3217	182	23	,	,	PUNCT
fsr-3217	182	24	and	and	CCONJ
fsr-3217	182	25	tax	tax	NOUN
fsr-3217	182	26	planning	planning	NOUN
fsr-3217	182	27	is	be	AUX
fsr-3217	182	28	set	set	VERB
fsr-3217	182	29	equal	equal	ADJ
fsr-3217	182	30	to	to	ADP
fsr-3217	182	31	1	1	NUM
fsr-3217	182	32	if	if	SCONJ
fsr-3217	182	33	the	the	DET
fsr-3217	182	34	person	person	NOUN
fsr-3217	182	35	used	use	VERB
fsr-3217	182	36	that	that	DET
fsr-3217	182	37	type	type	NOUN
fsr-3217	182	38	of	of	ADP
fsr-3217	182	39	adviser	adviser	NOUN
fsr-3217	182	40	,	,	PUNCT
fsr-3217	182	41	and	and	CCONJ
fsr-3217	182	42	zero	zero	NUM
fsr-3217	182	43	otherwise	otherwise	ADV
fsr-3217	182	44	.	.	PUNCT
fsr-3217	183	1	we	we	PRON
fsr-3217	183	2	use	use	VERB
fsr-3217	183	3	the	the	DET
fsr-3217	183	4	same	same	ADJ
fsr-3217	183	5	demographic	demographic	ADJ
fsr-3217	183	6	characteristics	characteristic	NOUN
fsr-3217	183	7	and	and	CCONJ
fsr-3217	183	8	categories	category	NOUN
fsr-3217	183	9	that	that	PRON
fsr-3217	183	10	were	be	AUX
fsr-3217	183	11	used	use	VERB
fsr-3217	183	12	in	in	ADP
fsr-3217	183	13	table	table	NOUN
fsr-3217	183	14	3	3	NUM
fsr-3217	183	15	.	.	PUNCT
fsr-3217	184	1	in	in	ADP
fsr-3217	184	2	discussing	discuss	VERB
fsr-3217	184	3	the	the	DET
fsr-3217	184	4	ols	ol	NOUN
fsr-3217	184	5	estimation	estimation	NOUN
fsr-3217	184	6	results	result	NOUN
fsr-3217	184	7	(	(	PUNCT
fsr-3217	184	8	first	first	ADJ
fsr-3217	184	9	two	two	NUM
fsr-3217	184	10	columns	column	NOUN
fsr-3217	184	11	for	for	ADP
fsr-3217	184	12	each	each	DET
fsr-3217	184	13	adviser	adviser	NOUN
fsr-3217	184	14	type	type	NOUN
fsr-3217	184	15	)	)	PUNCT
fsr-3217	184	16	,	,	PUNCT
fsr-3217	184	17	we	we	PRON
fsr-3217	184	18	find	find	VERB
fsr-3217	184	19	that	that	SCONJ
fsr-3217	184	20	financial	financial	ADJ
fsr-3217	184	21	education	education	NOUN
fsr-3217	184	22	is	be	AUX
fsr-3217	184	23	both	both	PRON
fsr-3217	184	24	positive	positive	ADJ
fsr-3217	184	25	and	and	CCONJ
fsr-3217	184	26	highly	highly	ADV
fsr-3217	184	27	statistically	statistically	ADV
fsr-3217	184	28	significant	significant	ADJ
fsr-3217	184	29	for	for	ADP
fsr-3217	184	30	all	all	DET
fsr-3217	184	31	financial	financial	ADJ
fsr-3217	184	32	adviser	adviser	NOUN
fsr-3217	184	33	types	type	NOUN
fsr-3217	184	34	indicating	indicate	VERB
fsr-3217	184	35	people	people	NOUN
fsr-3217	184	36	having	having	AUX
fsr-3217	184	37	received	receive	VERB
fsr-3217	184	38	financial	financial	ADJ
fsr-3217	184	39	education	education	NOUN
fsr-3217	184	40	in	in	ADP
fsr-3217	184	41	the	the	DET
fsr-3217	184	42	past	past	NOUN
fsr-3217	184	43	are	be	AUX
fsr-3217	184	44	associated	associate	VERB
fsr-3217	184	45	with	with	ADP
fsr-3217	184	46	using	use	VERB
fsr-3217	184	47	all	all	PRON
fsr-3217	184	48	of	of	ADP
fsr-3217	184	49	the	the	DET
fsr-3217	184	50	five	five	NUM
fsr-3217	184	51	types	type	NOUN
fsr-3217	184	52	of	of	ADP
fsr-3217	184	53	financial	financial	ADJ
fsr-3217	184	54	advisers	adviser	NOUN
fsr-3217	184	55	.	.	PUNCT
fsr-3217	185	1	however	however	ADV
fsr-3217	185	2	,	,	PUNCT
fsr-3217	185	3	females	female	NOUN
fsr-3217	185	4	are	be	AUX
fsr-3217	185	5	only	only	ADV
fsr-3217	185	6	associated	associate	VERB
fsr-3217	185	7	with	with	ADP
fsr-3217	185	8	using	use	VERB
fsr-3217	185	9	insurance	insurance	NOUN
fsr-3217	185	10	advisers	adviser	NOUN
fsr-3217	185	11	with	with	ADP
fsr-3217	185	12	all	all	DET
fsr-3217	185	13	other	other	ADJ
fsr-3217	185	14	coefficient	coefficient	NOUN
fsr-3217	185	15	estimates	estimate	NOUN
fsr-3217	185	16	for	for	ADP
fsr-3217	185	17	female	female	ADJ
fsr-3217	185	18	being	be	AUX
fsr-3217	185	19	not	not	PART
fsr-3217	185	20	significant	significant	ADJ
fsr-3217	185	21	for	for	ADP
fsr-3217	185	22	other	other	ADJ
fsr-3217	185	23	adviser	adviser	NOUN
fsr-3217	185	24	types	type	NOUN
fsr-3217	185	25	.	.	PUNCT
fsr-3217	186	1	we	we	PRON
fsr-3217	186	2	also	also	ADV
fsr-3217	186	3	find	find	VERB
fsr-3217	186	4	that	that	SCONJ
fsr-3217	186	5	black	black	ADJ
fsr-3217	186	6	(	(	PUNCT
fsr-3217	186	7	non	non	ADJ
fsr-3217	186	8	-	-	ADJ
fsr-3217	186	9	hispanic	hispanic	ADJ
fsr-3217	186	10	)	)	PUNCT
fsr-3217	186	11	is	be	AUX
fsr-3217	186	12	positively	positively	ADV
fsr-3217	186	13	(	(	PUNCT
fsr-3217	186	14	negatively	negatively	ADV
fsr-3217	186	15	)	)	PUNCT
fsr-3217	186	16	related	relate	VERB
fsr-3217	186	17	to	to	ADP
fsr-3217	186	18	using	use	VERB
fsr-3217	186	19	debt	debt	NOUN
fsr-3217	186	20	counseling	counseling	NOUN
fsr-3217	186	21	(	(	PUNCT
fsr-3217	186	22	mortgage	mortgage	NOUN
fsr-3217	186	23	or	or	CCONJ
fsr-3217	186	24	loan	loan	NOUN
fsr-3217	186	25	)	)	PUNCT
fsr-3217	186	26	advisers	adviser	NOUN
fsr-3217	186	27	,	,	PUNCT
fsr-3217	186	28	but	but	CCONJ
fsr-3217	186	29	not	not	PART
fsr-3217	186	30	significantly	significantly	ADV
fsr-3217	186	31	related	relate	VERB
fsr-3217	186	32	to	to	ADP
fsr-3217	186	33	using	use	VERB
fsr-3217	186	34	the	the	DET
fsr-3217	186	35	other	other	ADJ
fsr-3217	186	36	three	three	NUM
fsr-3217	186	37	financial	financial	ADJ
fsr-3217	186	38	adviser	adviser	NOUN
fsr-3217	186	39	types	type	NOUN
fsr-3217	186	40	.	.	PUNCT
fsr-3217	187	1	we	we	PRON
fsr-3217	187	2	find	find	VERB
fsr-3217	187	3	a	a	DET
fsr-3217	187	4	monotonically	monotonically	ADV
fsr-3217	187	5	decreasing	decrease	VERB
fsr-3217	187	6	relationship	relationship	NOUN
fsr-3217	187	7	between	between	ADP
fsr-3217	187	8	age	age	NOUN
fsr-3217	187	9	groups	group	NOUN
fsr-3217	187	10	and	and	CCONJ
fsr-3217	187	11	debt	debt	NOUN
fsr-3217	187	12	counseling	counseling	NOUN
fsr-3217	187	13	where	where	SCONJ
fsr-3217	187	14	lower	low	ADJ
fsr-3217	187	15	(	(	PUNCT
fsr-3217	187	16	higher	high	ADJ
fsr-3217	187	17	)	)	PUNCT
fsr-3217	187	18	age	age	NOUN
fsr-3217	187	19	groups	group	NOUN
fsr-3217	187	20	are	be	AUX
fsr-3217	187	21	positively	positively	ADV
fsr-3217	187	22	(	(	PUNCT
fsr-3217	187	23	negatively	negatively	ADV
fsr-3217	187	24	)	)	PUNCT
fsr-3217	187	25	related	relate	VERB
fsr-3217	187	26	to	to	ADP
fsr-3217	187	27	using	use	VERB
fsr-3217	187	28	debt	debt	NOUN
fsr-3217	187	29	counseling	counseling	NOUN
fsr-3217	187	30	.	.	PUNCT
fsr-3217	188	1	we	we	PRON
fsr-3217	188	2	also	also	ADV
fsr-3217	188	3	find	find	VERB
fsr-3217	188	4	that	that	SCONJ
fsr-3217	188	5	the	the	DET
fsr-3217	188	6	65	65	NUM
fsr-3217	188	7	�	�	PROPN
fsr-3217	188	8	age	age	NOUN
fsr-3217	188	9	group	group	NOUN
fsr-3217	188	10	is	be	AUX
fsr-3217	188	11	positively	positively	ADV
fsr-3217	188	12	related	relate	VERB
fsr-3217	188	13	to	to	ADP
fsr-3217	188	14	using	use	VERB
fsr-3217	188	15	savings	saving	NOUN
fsr-3217	188	16	or	or	CCONJ
fsr-3217	188	17	investment	investment	NOUN
fsr-3217	188	18	advisers	adviser	NOUN
fsr-3217	188	19	,	,	PUNCT
fsr-3217	188	20	the	the	DET
fsr-3217	188	21	25	25	NUM
fsr-3217	188	22	to	to	PART
fsr-3217	188	23	34	34	NUM
fsr-3217	188	24	age	age	NOUN
fsr-3217	188	25	group	group	NOUN
fsr-3217	188	26	is	be	AUX
fsr-3217	188	27	positively	positively	ADV
fsr-3217	188	28	related	relate	VERB
fsr-3217	188	29	to	to	ADP
fsr-3217	188	30	using	use	VERB
fsr-3217	188	31	mortgage	mortgage	NOUN
fsr-3217	188	32	or	or	CCONJ
fsr-3217	188	33	loan	loan	NOUN
fsr-3217	188	34	advisers	adviser	NOUN
fsr-3217	188	35	.	.	PUNCT
fsr-3217	189	1	for	for	ADP
fsr-3217	189	2	education	education	NOUN
fsr-3217	189	3	,	,	PUNCT
fsr-3217	189	4	people	people	NOUN
fsr-3217	189	5	having	have	VERB
fsr-3217	189	6	a	a	DET
fsr-3217	189	7	high	high	ADJ
fsr-3217	189	8	school	school	NOUN
fsr-3217	189	9	education	education	NOUN
fsr-3217	189	10	or	or	CCONJ
fsr-3217	189	11	higher	high	ADJ
fsr-3217	189	12	are	be	AUX
fsr-3217	189	13	associated	associate	VERB
fsr-3217	189	14	with	with	ADP
fsr-3217	189	15	using	use	VERB
fsr-3217	189	16	savings	saving	NOUN
fsr-3217	189	17	or	or	CCONJ
fsr-3217	189	18	investment	investment	NOUN
fsr-3217	189	19	and	and	CCONJ
fsr-3217	189	20	mortgage	mortgage	NOUN
fsr-3217	189	21	or	or	CCONJ
fsr-3217	189	22	loan	loan	NOUN
fsr-3217	189	23	advisers	adviser	NOUN
fsr-3217	189	24	,	,	PUNCT
fsr-3217	189	25	while	while	SCONJ
fsr-3217	189	26	only	only	ADV
fsr-3217	189	27	those	those	PRON
fsr-3217	189	28	having	have	VERB
fsr-3217	189	29	some	some	DET
fsr-3217	189	30	college	college	NOUN
fsr-3217	189	31	or	or	CCONJ
fsr-3217	189	32	higher	high	ADJ
fsr-3217	189	33	are	be	AUX
fsr-3217	189	34	associated	associate	VERB
fsr-3217	189	35	with	with	ADP
fsr-3217	189	36	using	use	VERB
fsr-3217	189	37	insurance	insurance	NOUN
fsr-3217	189	38	and	and	CCONJ
fsr-3217	189	39	tax	tax	NOUN
fsr-3217	189	40	planning	planning	NOUN
fsr-3217	189	41	advisers	adviser	NOUN
fsr-3217	189	42	.	.	PUNCT
fsr-3217	190	1	for	for	ADP
fsr-3217	190	2	marital	marital	ADJ
fsr-3217	190	3	status	status	NOUN
fsr-3217	190	4	,	,	PUNCT
fsr-3217	190	5	married	married	ADJ
fsr-3217	190	6	couples	couple	NOUN
fsr-3217	190	7	are	be	AUX
fsr-3217	190	8	associated	associate	VERB
fsr-3217	190	9	with	with	ADP
fsr-3217	190	10	using	use	VERB
fsr-3217	190	11	mortgage	mortgage	NOUN
fsr-3217	190	12	or	or	CCONJ
fsr-3217	190	13	loan	loan	NOUN
fsr-3217	190	14	,	,	PUNCT
fsr-3217	190	15	insurance	insurance	NOUN
fsr-3217	190	16	,	,	PUNCT
fsr-3217	190	17	and	and	CCONJ
fsr-3217	190	18	tax	tax	NOUN
fsr-3217	190	19	planning	planning	NOUN
fsr-3217	190	20	advisers	adviser	NOUN
fsr-3217	190	21	.	.	PUNCT
fsr-3217	191	1	for	for	ADP
fsr-3217	191	2	income	income	NOUN
fsr-3217	191	3	,	,	PUNCT
fsr-3217	191	4	we	we	PRON
fsr-3217	191	5	find	find	VERB
fsr-3217	191	6	those	those	PRON
fsr-3217	191	7	in	in	ADP
fsr-3217	191	8	lower	low	ADJ
fsr-3217	191	9	income	income	NOUN
fsr-3217	191	10	levels	level	NOUN
fsr-3217	191	11	are	be	AUX
fsr-3217	191	12	associated	associate	VERB
fsr-3217	191	13	with	with	ADP
fsr-3217	191	14	using	use	VERB
fsr-3217	191	15	debt	debt	NOUN
fsr-3217	191	16	counseling	counseling	NOUN
fsr-3217	191	17	while	while	SCONJ
fsr-3217	191	18	those	those	PRON
fsr-3217	191	19	in	in	ADP
fsr-3217	191	20	higher	high	ADJ
fsr-3217	191	21	income	income	NOUN
fsr-3217	191	22	levels	level	NOUN
fsr-3217	191	23	are	be	AUX
fsr-3217	191	24	increasingly	increasingly	ADV
fsr-3217	191	25	associated	associate	VERB
fsr-3217	191	26	with	with	ADP
fsr-3217	191	27	using	use	VERB
fsr-3217	191	28	savings	saving	NOUN
fsr-3217	191	29	or	or	CCONJ
fsr-3217	191	30	investment	investment	NOUN
fsr-3217	191	31	,	,	PUNCT
fsr-3217	191	32	mortgage	mortgage	NOUN
fsr-3217	191	33	or	or	CCONJ
fsr-3217	191	34	loan	loan	NOUN
fsr-3217	191	35	,	,	PUNCT
fsr-3217	191	36	insurance	insurance	NOUN
fsr-3217	191	37	,	,	PUNCT
fsr-3217	191	38	and	and	CCONJ
fsr-3217	191	39	tax	tax	NOUN
fsr-3217	191	40	planning	planning	NOUN
fsr-3217	191	41	advisers	adviser	NOUN
fsr-3217	191	42	.	.	PUNCT
fsr-3217	192	1	for	for	ADP
fsr-3217	192	2	employment	employment	NOUN
fsr-3217	192	3	,	,	PUNCT
fsr-3217	192	4	all	all	DET
fsr-3217	192	5	coefficient	coefficient	NOUN
fsr-3217	192	6	estimates	estimate	NOUN
fsr-3217	192	7	are	be	AUX
fsr-3217	192	8	either	either	CCONJ
fsr-3217	192	9	significantly	significantly	ADV
fsr-3217	192	10	negative	negative	ADJ
fsr-3217	192	11	or	or	CCONJ
fsr-3217	192	12	not	not	PART
fsr-3217	192	13	significant	significant	ADJ
fsr-3217	192	14	,	,	PUNCT
fsr-3217	192	15	indicating	indicate	VERB
fsr-3217	192	16	the	the	DET
fsr-3217	192	17	reference	reference	NOUN
fsr-3217	192	18	category	category	NOUN
fsr-3217	192	19	,	,	PUNCT
fsr-3217	192	20	self	self	NOUN
fsr-3217	192	21	employed	employ	VERB
fsr-3217	192	22	,	,	PUNCT
fsr-3217	192	23	is	be	AUX
fsr-3217	192	24	positively	positively	ADV
fsr-3217	192	25	related	relate	VERB
fsr-3217	192	26	to	to	ADP
fsr-3217	192	27	using	use	VERB
fsr-3217	192	28	all	all	PRON
fsr-3217	192	29	of	of	ADP
fsr-3217	192	30	the	the	DET
fsr-3217	192	31	financial	financial	ADJ
fsr-3217	192	32	adviser	adviser	NOUN
fsr-3217	192	33	types	type	NOUN
fsr-3217	192	34	compared	compare	VERB
fsr-3217	192	35	with	with	ADP
fsr-3217	192	36	the	the	DET
fsr-3217	192	37	other	other	ADJ
fsr-3217	192	38	employment	employment	NOUN
fsr-3217	192	39	groups	group	NOUN
fsr-3217	192	40	.	.	PUNCT
fsr-3217	193	1	for	for	ADP
fsr-3217	193	2	region	region	NOUN
fsr-3217	193	3	,	,	PUNCT
fsr-3217	193	4	we	we	PRON
fsr-3217	193	5	find	find	VERB
fsr-3217	193	6	those	those	PRON
fsr-3217	193	7	in	in	ADP
fsr-3217	193	8	the	the	DET
fsr-3217	193	9	west	west	NOUN
fsr-3217	193	10	are	be	AUX
fsr-3217	193	11	associated	associate	VERB
fsr-3217	193	12	with	with	ADP
fsr-3217	193	13	using	use	VERB
fsr-3217	193	14	mortgage	mortgage	NOUN
fsr-3217	193	15	or	or	CCONJ
fsr-3217	193	16	loan	loan	NOUN
fsr-3217	193	17	advisers	adviser	NOUN
fsr-3217	193	18	,	,	PUNCT
fsr-3217	193	19	and	and	CCONJ
fsr-3217	193	20	those	those	PRON
fsr-3217	193	21	in	in	ADP
fsr-3217	193	22	the	the	DET
fsr-3217	193	23	midwest	midwest	NOUN
fsr-3217	193	24	and	and	CCONJ
fsr-3217	193	25	west	west	PROPN
fsr-3217	193	26	are	be	AUX
fsr-3217	193	27	associated	associate	VERB
fsr-3217	193	28	with	with	ADP
fsr-3217	193	29	using	use	VERB
fsr-3217	193	30	insurance	insurance	NOUN
fsr-3217	193	31	advisers	adviser	NOUN
fsr-3217	193	32	.	.	PUNCT
fsr-3217	194	1	the	the	DET
fsr-3217	194	2	logit	logit	PROPN
fsr-3217	194	3	estimation	estimation	NOUN
fsr-3217	194	4	results	result	NOUN
fsr-3217	194	5	(	(	PUNCT
fsr-3217	194	6	last	last	ADJ
fsr-3217	194	7	three	three	NUM
fsr-3217	194	8	columns	column	NOUN
fsr-3217	194	9	for	for	ADP
fsr-3217	194	10	each	each	DET
fsr-3217	194	11	adviser	adviser	NOUN
fsr-3217	194	12	type	type	NOUN
fsr-3217	194	13	)	)	PUNCT
fsr-3217	194	14	are	be	AUX
fsr-3217	194	15	consistent	consistent	ADJ
fsr-3217	194	16	with	with	ADP
fsr-3217	194	17	the	the	DET
fsr-3217	194	18	ols	ol	NOUN
fsr-3217	194	19	results	result	NOUN
fsr-3217	194	20	.	.	PUNCT
fsr-3217	195	1	those	those	PRON
fsr-3217	195	2	receiving	receive	VERB
fsr-3217	195	3	a	a	DET
fsr-3217	195	4	financial	financial	ADJ
fsr-3217	195	5	education	education	NOUN
fsr-3217	195	6	are	be	AUX
fsr-3217	195	7	from	from	ADP
fsr-3217	195	8	between	between	ADP
fsr-3217	195	9	39	39	NUM
fsr-3217	195	10	%	%	NOUN
fsr-3217	195	11	to	to	PART
fsr-3217	195	12	53	53	NUM
fsr-3217	195	13	%	%	NOUN
fsr-3217	195	14	more	more	ADV
fsr-3217	195	15	likely	likely	ADJ
fsr-3217	195	16	to	to	PART
fsr-3217	195	17	use	use	VERB
fsr-3217	195	18	all	all	PRON
fsr-3217	195	19	of	of	ADP
fsr-3217	195	20	the	the	DET
fsr-3217	195	21	financial	financial	ADJ
fsr-3217	195	22	adviser	adviser	NOUN
fsr-3217	195	23	types	type	NOUN
fsr-3217	195	24	compared	compare	VERB
fsr-3217	195	25	to	to	ADP
fsr-3217	195	26	those	those	PRON
fsr-3217	195	27	not	not	PART
fsr-3217	195	28	receiving	receive	VERB
fsr-3217	195	29	138	138	NUM
fsr-3217	195	30	b.	b.	PROPN
fsr-3217	195	31	balasubramnian	balasubramnian	PROPN
fsr-3217	195	32	,	,	PUNCT
fsr-3217	195	33	e.r	e.r	PROPN
fsr-3217	195	34	.	.	NOUN
fsr-3217	195	35	brisker	brisk	ADJ
fsr-3217	195	36	/	/	SYM
fsr-3217	195	37	financial	financial	ADJ
fsr-3217	195	38	services	service	NOUN
fsr-3217	195	39	review	review	VERB
fsr-3217	195	40	25	25	NUM
fsr-3217	195	41	(	(	PUNCT
fsr-3217	195	42	2016	2016	NUM
fsr-3217	195	43	)	)	PUNCT
fsr-3217	195	44	127–155	127–155	NUM
fsr-3217	195	45	table	table	NOUN
fsr-3217	195	46	4	4	NUM
fsr-3217	195	47	specific	specific	ADJ
fsr-3217	195	48	type	type	NOUN
fsr-3217	195	49	of	of	ADP
fsr-3217	195	50	financial	financial	ADJ
fsr-3217	195	51	adviser	adviser	NOUN
fsr-3217	195	52	user	user	NOUN
fsr-3217	195	53	ols	ol	NOUN
fsr-3217	195	54	and	and	CCONJ
fsr-3217	195	55	logit	logit	PROPN
fsr-3217	195	56	regressions	regression	NOUN
fsr-3217	195	57	debt	debt	NOUN
fsr-3217	195	58	counseling	counseling	NOUN
fsr-3217	195	59	savings	saving	NOUN
fsr-3217	195	60	or	or	CCONJ
fsr-3217	195	61	investments	investment	NOUN
fsr-3217	195	62	ols	ol	NOUN
fsr-3217	195	63	coefficient	coefficient	PROPN
fsr-3217	195	64	t	t	PROPN
fsr-3217	195	65	stat	stat	PROPN
fsr-3217	195	66	logit	logit	PROPN
fsr-3217	195	67	coefficient	coefficient	VERB
fsr-3217	195	68	z	z	NOUN
fsr-3217	195	69	-	-	PUNCT
fsr-3217	195	70	stat	stat	NOUN
fsr-3217	195	71	odds	odd	NOUN
fsr-3217	195	72	ratio	ratio	NOUN
fsr-3217	195	73	ols	ols	PROPN
fsr-3217	195	74	coefficient	coefficient	PROPN
fsr-3217	195	75	t	t	PROPN
fsr-3217	195	76	stat	stat	PROPN
fsr-3217	195	77	logit	logit	PROPN
fsr-3217	195	78	coefficient	coefficient	VERB
fsr-3217	195	79	z	z	NOUN
fsr-3217	195	80	-	-	PUNCT
fsr-3217	195	81	stat	stat	NOUN
fsr-3217	195	82	odds	odd	NOUN
fsr-3217	195	83	ratio	ratio	NOUN
fsr-3217	195	84	constant	constant	ADJ
fsr-3217	195	85	0.050	0.050	NUM
fsr-3217	195	86	*	*	PUNCT
fsr-3217	195	87	*	*	PUNCT
fsr-3217	195	88	*	*	PROPN
fsr-3217	195	89	3.58	3.58	NUM
fsr-3217	195	90	�	�	NOUN
fsr-3217	195	91	2.901	2.901	NUM
fsr-3217	195	92	*	*	PUNCT
fsr-3217	195	93	*	*	PUNCT
fsr-3217	195	94	*	*	PUNCT
fsr-3217	195	95	�	�	PROPN
fsr-3217	195	96	15.27	15.27	NUM
fsr-3217	195	97	0.0550	0.0550	NUM
fsr-3217	195	98	0.130	0.130	NUM
fsr-3217	195	99	*	*	PUNCT
fsr-3217	195	100	*	*	PUNCT
fsr-3217	195	101	*	*	X
fsr-3217	195	102	6.58	6.58	NUM
fsr-3217	195	103	�	�	NOUN
fsr-3217	195	104	2.181	2.181	NUM
fsr-3217	195	105	*	*	PUNCT
fsr-3217	195	106	*	*	PUNCT
fsr-3217	195	107	*	*	PUNCT
fsr-3217	195	108	�	�	PROPN
fsr-3217	195	109	16.15	16.15	NUM
fsr-3217	195	110	0.113	0.113	NUM
fsr-3217	195	111	financial	financial	ADJ
fsr-3217	195	112	education	education	NOUN
fsr-3217	195	113	0.030	0.030	NUM
fsr-3217	195	114	*	*	PUNCT
fsr-3217	195	115	*	*	PUNCT
fsr-3217	195	116	*	*	PUNCT
fsr-3217	195	117	6.08	6.08	NUM
fsr-3217	195	118	0.355	0.355	NUM
fsr-3217	195	119	*	*	PUNCT
fsr-3217	195	120	*	*	PUNCT
fsr-3217	195	121	*	*	PUNCT
fsr-3217	195	122	6.48	6.48	NUM
fsr-3217	195	123	1.426	1.426	NUM
fsr-3217	195	124	0.083	0.083	NUM
fsr-3217	195	125	*	*	PUNCT
fsr-3217	195	126	*	*	PUNCT
fsr-3217	195	127	*	*	PUNCT
fsr-3217	196	1	10.86	10.86	NUM
fsr-3217	196	2	0.399	0.399	NUM
fsr-3217	196	3	*	*	PUNCT
fsr-3217	196	4	*	*	PUNCT
fsr-3217	196	5	*	*	PUNCT
fsr-3217	196	6	11.03	11.03	NUM
fsr-3217	196	7	1.490	1.490	NUM
fsr-3217	196	8	female	female	ADJ
fsr-3217	196	9	0.004	0.004	NUM
fsr-3217	196	10	0.92	0.92	NUM
fsr-3217	196	11	0.034	0.034	NUM
fsr-3217	196	12	0.67	0.67	NUM
fsr-3217	196	13	1.034	1.034	NUM
fsr-3217	196	14	0.003	0.003	NUM
fsr-3217	196	15	0.47	0.47	NUM
fsr-3217	196	16	0.019	0.019	NUM
fsr-3217	196	17	0.59	0.59	NUM
fsr-3217	196	18	1.019	1.019	NUM
fsr-3217	196	19	age	age	NOUN
fsr-3217	196	20	group	group	NOUN
fsr-3217	196	21	(	(	PUNCT
fsr-3217	196	22	reference	reference	NOUN
fsr-3217	196	23	category	category	NOUN
fsr-3217	196	24	:	:	PUNCT
fsr-3217	196	25	18–24	18–24	NUM
fsr-3217	196	26	)	)	PUNCT
fsr-3217	196	27	25–34	25–34	NUM
fsr-3217	196	28	0.038	0.038	NUM
fsr-3217	196	29	*	*	PUNCT
fsr-3217	196	30	*	*	PUNCT
fsr-3217	196	31	*	*	PUNCT
fsr-3217	196	32	4.11	4.11	NUM
fsr-3217	196	33	0.367	0.367	NUM
fsr-3217	196	34	*	*	PUNCT
fsr-3217	196	35	*	*	PUNCT
fsr-3217	196	36	*	*	PUNCT
fsr-3217	196	37	3.70	3.70	NUM
fsr-3217	196	38	1.444	1.444	NUM
fsr-3217	196	39	�	�	NOUN
fsr-3217	196	40	0.043	0.043	NUM
fsr-3217	196	41	*	*	PUNCT
fsr-3217	196	42	*	*	PUNCT
fsr-3217	196	43	*	*	PUNCT
fsr-3217	196	44	�	�	PROPN
fsr-3217	196	45	3.42	3.42	NUM
fsr-3217	196	46	�	�	NOUN
fsr-3217	196	47	0.279	0.279	NUM
fsr-3217	196	48	*	*	PUNCT
fsr-3217	196	49	*	*	PUNCT
fsr-3217	196	50	*	*	PUNCT
fsr-3217	196	51	�	�	PROPN
fsr-3217	196	52	3.82	3.82	NUM
fsr-3217	196	53	0.757	0.757	NUM
fsr-3217	196	54	35–44	35–44	NUM
fsr-3217	196	55	0.016	0.016	NUM
fsr-3217	196	56	*	*	SYM
fsr-3217	196	57	1.67	1.67	NUM
fsr-3217	196	58	0.171	0.171	NUM
fsr-3217	196	59	1.62	1.62	NUM
fsr-3217	196	60	1.186	1.186	NUM
fsr-3217	196	61	�	�	NOUN
fsr-3217	196	62	0.106	0.106	NUM
fsr-3217	196	63	*	*	PUNCT
fsr-3217	196	64	*	*	PUNCT
fsr-3217	196	65	*	*	PUNCT
fsr-3217	196	66	�	�	PROPN
fsr-3217	196	67	8.36	8.36	NUM
fsr-3217	196	68	�	�	PROPN
fsr-3217	196	69	0.622	0.622	NUM
fsr-3217	196	70	*	*	PUNCT
fsr-3217	196	71	*	*	PUNCT
fsr-3217	196	72	*	*	PUNCT
fsr-3217	196	73	�	�	PROPN
fsr-3217	196	74	8.26	8.26	NUM
fsr-3217	196	75	0.537	0.537	NUM
fsr-3217	196	76	45–54	45–54	NUM
fsr-3217	196	77	�	�	PROPN
fsr-3217	196	78	0.014	0.014	NUM
fsr-3217	196	79	�	�	PROPN
fsr-3217	196	80	1.62	1.62	NUM
fsr-3217	196	81	�	�	PROPN
fsr-3217	196	82	0.166	0.166	NUM
fsr-3217	196	83	�	�	NOUN
fsr-3217	196	84	1.55	1.55	NUM
fsr-3217	196	85	0.847	0.847	NUM
fsr-3217	196	86	�	�	NOUN
fsr-3217	196	87	0.088	0.088	NUM
fsr-3217	196	88	*	*	PUNCT
fsr-3217	196	89	*	*	PUNCT
fsr-3217	196	90	*	*	PUNCT
fsr-3217	196	91	�	�	PROPN
fsr-3217	196	92	7.09	7.09	NUM
fsr-3217	196	93	�	�	NOUN
fsr-3217	196	94	0.520	0.520	NUM
fsr-3217	196	95	*	*	PUNCT
fsr-3217	196	96	*	*	PUNCT
fsr-3217	196	97	*	*	PUNCT
fsr-3217	196	98	�	�	PROPN
fsr-3217	196	99	7.11	7.11	NUM
fsr-3217	196	100	0.594	0.594	NUM
fsr-3217	196	101	55–64	55–64	NUM
fsr-3217	196	102	�	�	NOUN
fsr-3217	196	103	0.019	0.019	NUM
fsr-3217	196	104	*	*	PROPN
fsr-3217	196	105	*	*	PROPN
fsr-3217	196	106	�	�	PROPN
fsr-3217	196	107	2.05	2.05	NUM
fsr-3217	196	108	�	�	NOUN
fsr-3217	196	109	0.225	0.225	NUM
fsr-3217	196	110	*	*	PUNCT
fsr-3217	196	111	*	*	PUNCT
fsr-3217	196	112	�	�	PROPN
fsr-3217	196	113	1.97	1.97	NUM
fsr-3217	196	114	0.799	0.799	NUM
fsr-3217	196	115	�	�	NOUN
fsr-3217	196	116	0.030	0.030	NUM
fsr-3217	196	117	*	*	SYM
fsr-3217	196	118	*	*	PROPN
fsr-3217	196	119	�	�	PROPN
fsr-3217	196	120	2.30	2.30	NUM
fsr-3217	196	121	�	�	NOUN
fsr-3217	196	122	0.210	0.210	NUM
fsr-3217	196	123	*	*	PUNCT
fsr-3217	196	124	*	*	PUNCT
fsr-3217	196	125	*	*	PUNCT
fsr-3217	196	126	�	�	PROPN
fsr-3217	196	127	2.82	2.82	NUM
fsr-3217	196	128	0.811	0.811	NUM
fsr-3217	196	129	65	65	NUM
fsr-3217	196	130	�	�	PROPN
fsr-3217	196	131	�	�	PROPN
fsr-3217	196	132	0.039	0.039	NUM
fsr-3217	196	133	*	*	PUNCT
fsr-3217	196	134	*	*	PUNCT
fsr-3217	196	135	*	*	PUNCT
fsr-3217	196	136	�	�	PROPN
fsr-3217	196	137	3.94	3.94	NUM
fsr-3217	196	138	�	�	NOUN
fsr-3217	196	139	0.675	0.675	NUM
fsr-3217	196	140	*	*	PUNCT
fsr-3217	196	141	*	*	PUNCT
fsr-3217	196	142	*	*	PUNCT
fsr-3217	196	143	�	�	PROPN
fsr-3217	196	144	4.52	4.52	NUM
fsr-3217	196	145	0.509	0.509	NUM
fsr-3217	196	146	0.028	0.028	NUM
fsr-3217	196	147	*	*	SYM
fsr-3217	196	148	1.80	1.80	NUM
fsr-3217	196	149	0.051	0.051	NUM
fsr-3217	196	150	0.62	0.62	NUM
fsr-3217	196	151	1.052	1.052	NUM
fsr-3217	196	152	black	black	ADJ
fsr-3217	196	153	(	(	PUNCT
fsr-3217	196	154	non	non	ADJ
fsr-3217	196	155	-	-	ADJ
fsr-3217	196	156	hispanic	hispanic	ADJ
fsr-3217	196	157	)	)	PUNCT
fsr-3217	196	158	0.030	0.030	NUM
fsr-3217	196	159	*	*	PUNCT
fsr-3217	196	160	*	*	PUNCT
fsr-3217	196	161	*	*	PUNCT
fsr-3217	196	162	5.94	5.94	NUM
fsr-3217	196	163	0.325	0.325	NUM
fsr-3217	196	164	*	*	PUNCT
fsr-3217	196	165	*	*	PUNCT
fsr-3217	196	166	*	*	PUNCT
fsr-3217	196	167	6.04	6.04	NUM
fsr-3217	196	168	1.384	1.384	NUM
fsr-3217	196	169	�	�	PROPN
fsr-3217	196	170	0.007	0.007	NUM
fsr-3217	196	171	�	�	PROPN
fsr-3217	196	172	1.04	1.04	NUM
fsr-3217	196	173	�	�	PROPN
fsr-3217	196	174	0.037	0.037	NUM
fsr-3217	196	175	�	�	PROPN
fsr-3217	196	176	0.96	0.96	NUM
fsr-3217	196	177	0.964	0.964	NUM
fsr-3217	196	178	education	education	NOUN
fsr-3217	196	179	(	(	PUNCT
fsr-3217	196	180	reference	reference	NOUN
fsr-3217	196	181	category	category	NOUN
fsr-3217	196	182	:	:	PUNCT
fsr-3217	196	183	did	do	AUX
fsr-3217	196	184	not	not	PART
fsr-3217	196	185	complete	complete	VERB
fsr-3217	196	186	high	high	ADJ
fsr-3217	196	187	school	school	NOUN
fsr-3217	196	188	)	)	PUNCT
fsr-3217	196	189	high	high	ADJ
fsr-3217	196	190	school	school	NOUN
fsr-3217	196	191	0.005	0.005	NUM
fsr-3217	196	192	0.68	0.68	NUM
fsr-3217	196	193	0.080	0.080	NUM
fsr-3217	196	194	0.64	0.64	NUM
fsr-3217	196	195	1.083	1.083	NUM
fsr-3217	196	196	0.038	0.038	NUM
fsr-3217	196	197	*	*	PUNCT
fsr-3217	196	198	*	*	PUNCT
fsr-3217	196	199	*	*	PUNCT
fsr-3217	196	200	3.65	3.65	NUM
fsr-3217	196	201	0.451	0.451	NUM
fsr-3217	196	202	*	*	PUNCT
fsr-3217	196	203	*	*	PUNCT
fsr-3217	196	204	*	*	PUNCT
fsr-3217	196	205	4.79	4.79	NUM
fsr-3217	196	206	1.570	1.570	NUM
fsr-3217	196	207	ged	ge	VERB
fsr-3217	196	208	0.009	0.009	NUM
fsr-3217	196	209	0.92	0.92	NUM
fsr-3217	196	210	0.139	0.139	NUM
fsr-3217	196	211	0.95	0.95	NUM
fsr-3217	196	212	1.149	1.149	NUM
fsr-3217	196	213	�	�	PROPN
fsr-3217	196	214	0.000	0.000	NUM
fsr-3217	196	215	�	�	NOUN
fsr-3217	196	216	0.04	0.04	NUM
fsr-3217	196	217	0.154	0.154	NUM
fsr-3217	196	218	1.36	1.36	NUM
fsr-3217	196	219	1.166	1.166	NUM
fsr-3217	196	220	some	some	DET
fsr-3217	196	221	college	college	NOUN
fsr-3217	196	222	0.015	0.015	NUM
fsr-3217	196	223	*	*	NOUN
fsr-3217	196	224	1.95	1.95	NUM
fsr-3217	196	225	0.218	0.218	NUM
fsr-3217	196	226	*	*	PUNCT
fsr-3217	196	227	1.83	1.83	NUM
fsr-3217	196	228	1.244	1.244	NUM
fsr-3217	196	229	0.075	0.075	NUM
fsr-3217	196	230	*	*	PUNCT
fsr-3217	196	231	*	*	PUNCT
fsr-3217	196	232	*	*	PUNCT
fsr-3217	196	233	7.39	7.39	NUM
fsr-3217	196	234	0.664	0.664	NUM
fsr-3217	196	235	*	*	PUNCT
fsr-3217	196	236	*	*	PUNCT
fsr-3217	196	237	*	*	PUNCT
fsr-3217	196	238	7.26	7.26	NUM
fsr-3217	196	239	1.943	1.943	NUM
fsr-3217	196	240	college	college	NOUN
fsr-3217	196	241	graduate	graduate	NOUN
fsr-3217	196	242	0.032	0.032	NUM
fsr-3217	196	243	*	*	PUNCT
fsr-3217	196	244	*	*	PUNCT
fsr-3217	196	245	*	*	PUNCT
fsr-3217	196	246	3.59	3.59	NUM
fsr-3217	196	247	0.397	0.397	NUM
fsr-3217	196	248	*	*	PUNCT
fsr-3217	196	249	*	*	PUNCT
fsr-3217	196	250	*	*	PUNCT
fsr-3217	196	251	3.17	3.17	NUM
fsr-3217	196	252	1.488	1.488	NUM
fsr-3217	196	253	0.142	0.142	NUM
fsr-3217	196	254	*	*	PUNCT
fsr-3217	196	255	*	*	PUNCT
fsr-3217	196	256	*	*	PUNCT
fsr-3217	196	257	12.10	12.10	NUM
fsr-3217	196	258	0.979	0.979	NUM
fsr-3217	196	259	*	*	PUNCT
fsr-3217	196	260	*	*	PUNCT
fsr-3217	196	261	*	*	PUNCT
fsr-3217	196	262	10.37	10.37	NUM
fsr-3217	196	263	2.663	2.663	NUM
fsr-3217	196	264	post	post	ADJ
fsr-3217	196	265	-	-	ADJ
fsr-3217	196	266	graduate	graduate	ADJ
fsr-3217	196	267	0.011	0.011	NUM
fsr-3217	196	268	1.17	1.17	NUM
fsr-3217	196	269	0.167	0.167	NUM
fsr-3217	196	270	1.20	1.20	NUM
fsr-3217	196	271	1.181	1.181	NUM
fsr-3217	196	272	0.162	0.162	NUM
fsr-3217	196	273	*	*	PUNCT
fsr-3217	196	274	*	*	PUNCT
fsr-3217	196	275	*	*	PUNCT
fsr-3217	196	276	11.76	11.76	NUM
fsr-3217	196	277	1.030	1.030	NUM
fsr-3217	196	278	*	*	PUNCT
fsr-3217	196	279	*	*	PUNCT
fsr-3217	196	280	*	*	PUNCT
fsr-3217	196	281	10.41	10.41	NUM
fsr-3217	196	282	2.802	2.802	NUM
fsr-3217	196	283	marital	marital	ADJ
fsr-3217	196	284	status	status	NOUN
fsr-3217	196	285	(	(	PUNCT
fsr-3217	196	286	reference	reference	NOUN
fsr-3217	196	287	category	category	NOUN
fsr-3217	196	288	:	:	PUNCT
fsr-3217	196	289	married	married	ADJ
fsr-3217	196	290	)	)	PUNCT
fsr-3217	196	291	living	live	VERB
fsr-3217	196	292	-	-	PUNCT
fsr-3217	196	293	with	with	ADP
fsr-3217	196	294	-	-	PUNCT
fsr-3217	196	295	partner	partner	NOUN
fsr-3217	196	296	�	�	PROPN
fsr-3217	196	297	0.012	0.012	NUM
fsr-3217	196	298	�	�	PROPN
fsr-3217	196	299	1.53	1.53	NUM
fsr-3217	196	300	�	�	PROPN
fsr-3217	196	301	0.145	0.145	NUM
fsr-3217	196	302	�	�	PROPN
fsr-3217	196	303	1.56	1.56	NUM
fsr-3217	196	304	0.865	0.865	NUM
fsr-3217	196	305	0.004	0.004	NUM
fsr-3217	196	306	0.39	0.39	NUM
fsr-3217	196	307	0.012	0.012	NUM
fsr-3217	196	308	0.19	0.19	NUM
fsr-3217	196	309	1.012	1.012	NUM
fsr-3217	196	310	single	single	ADJ
fsr-3217	196	311	�	�	PROPN
fsr-3217	196	312	0.009	0.009	NUM
fsr-3217	196	313	*	*	SYM
fsr-3217	196	314	�	�	PROPN
fsr-3217	196	315	1.78	1.78	NUM
fsr-3217	196	316	�	�	PROPN
fsr-3217	196	317	0.116	0.116	NUM
fsr-3217	196	318	*	*	PUNCT
fsr-3217	196	319	�	�	PROPN
fsr-3217	196	320	1.92	1.92	NUM
fsr-3217	196	321	0.890	0.890	NUM
fsr-3217	196	322	0.001	0.001	NUM
fsr-3217	196	323	0.09	0.09	NUM
fsr-3217	196	324	0.010	0.010	NUM
fsr-3217	196	325	0.26	0.26	NUM
fsr-3217	196	326	1.010	1.010	NUM
fsr-3217	196	327	income	income	NOUN
fsr-3217	196	328	(	(	PUNCT
fsr-3217	196	329	reference	reference	NOUN
fsr-3217	196	330	category	category	NOUN
fsr-3217	196	331	:	:	PUNCT
fsr-3217	196	332	less	less	ADJ
fsr-3217	196	333	than	than	ADP
fsr-3217	196	334	$	$	SYM
fsr-3217	196	335	15,000	15,000	NUM
fsr-3217	196	336	)	)	PUNCT
fsr-3217	196	337	$	$	SYM
fsr-3217	196	338	15,000	15,000	NUM
fsr-3217	196	339	$	$	SYM
fsr-3217	196	340	24,999	24,999	NUM
fsr-3217	196	341	0.042	0.042	NUM
fsr-3217	196	342	*	*	PUNCT
fsr-3217	196	343	*	*	PUNCT
fsr-3217	196	344	*	*	PUNCT
fsr-3217	196	345	5.42	5.42	NUM
fsr-3217	196	346	0.577	0.577	NUM
fsr-3217	196	347	*	*	PUNCT
fsr-3217	196	348	*	*	PUNCT
fsr-3217	196	349	*	*	PUNCT
fsr-3217	196	350	5.39	5.39	NUM
fsr-3217	196	351	1.780	1.780	NUM
fsr-3217	196	352	0.039	0.039	NUM
fsr-3217	196	353	*	*	PUNCT
fsr-3217	196	354	*	*	PUNCT
fsr-3217	196	355	*	*	PUNCT
fsr-3217	196	356	3.94	3.94	NUM
fsr-3217	196	357	0.366	0.366	NUM
fsr-3217	196	358	*	*	PUNCT
fsr-3217	196	359	*	*	PUNCT
fsr-3217	196	360	*	*	PUNCT
fsr-3217	196	361	4.45	4.45	NUM
fsr-3217	196	362	1.443	1.443	NUM
fsr-3217	196	363	$	$	SYM
fsr-3217	196	364	25,000	25,000	NUM
fsr-3217	196	365	$	$	SYM
fsr-3217	196	366	34,999	34,999	NUM
fsr-3217	196	367	0.030	0.030	NUM
fsr-3217	196	368	*	*	PUNCT
fsr-3217	196	369	*	*	PUNCT
fsr-3217	196	370	*	*	PUNCT
fsr-3217	196	371	3.81	3.81	NUM
fsr-3217	196	372	0.432	0.432	NUM
fsr-3217	196	373	*	*	PUNCT
fsr-3217	196	374	*	*	PUNCT
fsr-3217	196	375	*	*	PUNCT
fsr-3217	196	376	3.86	3.86	NUM
fsr-3217	196	377	1.540	1.540	NUM
fsr-3217	196	378	0.083	0.083	NUM
fsr-3217	196	379	*	*	PUNCT
fsr-3217	196	380	*	*	PUNCT
fsr-3217	196	381	*	*	PUNCT
fsr-3217	196	382	7.69	7.69	NUM
fsr-3217	196	383	0.665	0.665	NUM
fsr-3217	196	384	*	*	PUNCT
fsr-3217	196	385	*	*	PUNCT
fsr-3217	196	386	*	*	PUNCT
fsr-3217	196	387	8.27	8.27	NUM
fsr-3217	196	388	1.944	1.944	NUM
fsr-3217	196	389	$	$	SYM
fsr-3217	196	390	35,000	35,000	NUM
fsr-3217	196	391	$	$	SYM
fsr-3217	196	392	49,999	49,999	NUM
fsr-3217	196	393	0.045	0.045	NUM
fsr-3217	196	394	*	*	PUNCT
fsr-3217	196	395	*	*	PUNCT
fsr-3217	196	396	*	*	PUNCT
fsr-3217	196	397	5.64	5.64	NUM
fsr-3217	196	398	0.588	0.588	NUM
fsr-3217	196	399	*	*	PUNCT
fsr-3217	196	400	*	*	PUNCT
fsr-3217	196	401	*	*	PUNCT
fsr-3217	196	402	5.41	5.41	NUM
fsr-3217	196	403	1.801	1.801	NUM
fsr-3217	196	404	0.114	0.114	NUM
fsr-3217	196	405	*	*	PUNCT
fsr-3217	196	406	*	*	PUNCT
fsr-3217	196	407	*	*	PUNCT
fsr-3217	196	408	10.56	10.56	NUM
fsr-3217	196	409	0.842	0.842	NUM
fsr-3217	196	410	*	*	PUNCT
fsr-3217	196	411	*	*	PUNCT
fsr-3217	196	412	*	*	PUNCT
fsr-3217	196	413	10.93	10.93	NUM
fsr-3217	196	414	2.320	2.320	NUM
fsr-3217	196	415	$	$	SYM
fsr-3217	196	416	50,000	50,000	NUM
fsr-3217	196	417	$	$	SYM
fsr-3217	196	418	74,999	74,999	NUM
fsr-3217	196	419	0.023	0.023	NUM
fsr-3217	196	420	*	*	PUNCT
fsr-3217	196	421	*	*	PUNCT
fsr-3217	196	422	*	*	PUNCT
fsr-3217	196	423	2.95	2.95	NUM
fsr-3217	196	424	0.338	0.338	NUM
fsr-3217	196	425	*	*	PUNCT
fsr-3217	196	426	*	*	PUNCT
fsr-3217	196	427	*	*	PUNCT
fsr-3217	196	428	3.02	3.02	NUM
fsr-3217	196	429	1.402	1.402	NUM
fsr-3217	196	430	0.185	0.185	NUM
fsr-3217	196	431	*	*	PUNCT
fsr-3217	196	432	*	*	PUNCT
fsr-3217	196	433	*	*	PUNCT
fsr-3217	196	434	16.69	16.69	NUM
fsr-3217	196	435	1.181	1.181	NUM
fsr-3217	196	436	*	*	PUNCT
fsr-3217	196	437	*	*	PUNCT
fsr-3217	196	438	*	*	PUNCT
fsr-3217	196	439	15.70	15.70	NUM
fsr-3217	196	440	3.257	3.257	NUM
fsr-3217	196	441	$	$	SYM
fsr-3217	196	442	75,000	75,000	NUM
fsr-3217	196	443	$	$	SYM
fsr-3217	196	444	99,999	99,999	NUM
fsr-3217	196	445	0.018	0.018	NUM
fsr-3217	196	446	*	*	PUNCT
fsr-3217	196	447	*	*	PUNCT
fsr-3217	196	448	2.10	2.10	NUM
fsr-3217	196	449	0.277	0.277	NUM
fsr-3217	196	450	*	*	PUNCT
fsr-3217	196	451	*	*	PUNCT
fsr-3217	196	452	2.24	2.24	NUM
fsr-3217	196	453	1.319	1.319	NUM
fsr-3217	196	454	0.252	0.252	NUM
fsr-3217	196	455	*	*	PUNCT
fsr-3217	196	456	*	*	PUNCT
fsr-3217	196	457	*	*	X
fsr-3217	196	458	19.31	19.31	NUM
fsr-3217	196	459	1.473	1.473	NUM
fsr-3217	196	460	*	*	PUNCT
fsr-3217	196	461	*	*	PUNCT
fsr-3217	196	462	*	*	PUNCT
fsr-3217	196	463	18.30	18.30	NUM
fsr-3217	196	464	4.361	4.361	NUM
fsr-3217	196	465	$	$	SYM
fsr-3217	196	466	100,000	100,000	NUM
fsr-3217	196	467	$	$	SYM
fsr-3217	196	468	149,999	149,999	NUM
fsr-3217	196	469	0.001	0.001	NUM
fsr-3217	196	470	0.16	0.16	NUM
fsr-3217	196	471	0.046	0.046	NUM
fsr-3217	196	472	0.34	0.34	NUM
fsr-3217	196	473	1.047	1.047	NUM
fsr-3217	196	474	0.304	0.304	NUM
fsr-3217	196	475	*	*	PUNCT
fsr-3217	196	476	*	*	PUNCT
fsr-3217	196	477	*	*	PUNCT
fsr-3217	196	478	22.01	22.01	NUM
fsr-3217	196	479	1.680	1.680	NUM
fsr-3217	196	480	*	*	PUNCT
fsr-3217	196	481	*	*	PUNCT
fsr-3217	196	482	*	*	PUNCT
fsr-3217	196	483	20.35	20.35	NUM
fsr-3217	196	484	5.364	5.364	NUM
fsr-3217	196	485	$	$	SYM
fsr-3217	196	486	150,000	150,000	NUM
fsr-3217	196	487	or	or	CCONJ
fsr-3217	196	488	more	more	ADJ
fsr-3217	196	489	�	�	NOUN
fsr-3217	196	490	0.001	0.001	NUM
fsr-3217	196	491	�	�	NOUN
fsr-3217	196	492	0.05	0.05	NUM
fsr-3217	196	493	0.016	0.016	NUM
fsr-3217	196	494	0.11	0.11	NUM
fsr-3217	196	495	1.016	1.016	NUM
fsr-3217	196	496	0.364	0.364	NUM
fsr-3217	196	497	*	*	PUNCT
fsr-3217	196	498	*	*	PUNCT
fsr-3217	196	499	*	*	PUNCT
fsr-3217	196	500	22.28	22.28	NUM
fsr-3217	196	501	1.923	1.923	NUM
fsr-3217	196	502	*	*	PUNCT
fsr-3217	196	503	*	*	PUNCT
fsr-3217	196	504	*	*	X
fsr-3217	196	505	21.13	21.13	NUM
fsr-3217	196	506	6.840	6.840	NUM
fsr-3217	196	507	employment	employment	NOUN
fsr-3217	196	508	(	(	PUNCT
fsr-3217	196	509	reference	reference	NOUN
fsr-3217	196	510	category	category	NOUN
fsr-3217	196	511	:	:	PUNCT
fsr-3217	196	512	self	self	NOUN
fsr-3217	196	513	employed	employ	VERB
fsr-3217	196	514	)	)	PUNCT
fsr-3217	196	515	employed	employ	VERB
fsr-3217	196	516	full	full	ADJ
fsr-3217	196	517	-	-	PUNCT
fsr-3217	196	518	time	time	NOUN
fsr-3217	196	519	0.007	0.007	NUM
fsr-3217	196	520	0.84	0.84	NUM
fsr-3217	196	521	0.064	0.064	NUM
fsr-3217	196	522	0.70	0.70	NUM
fsr-3217	196	523	1.066	1.066	NUM
fsr-3217	196	524	�	�	NOUN
fsr-3217	196	525	0.037	0.037	NUM
fsr-3217	196	526	*	*	NOUN
fsr-3217	196	527	*	*	PUNCT
fsr-3217	196	528	*	*	PUNCT
fsr-3217	196	529	�	�	PROPN
fsr-3217	196	530	3.02	3.02	NUM
fsr-3217	196	531	�	�	NOUN
fsr-3217	196	532	0.183	0.183	NUM
fsr-3217	196	533	*	*	PUNCT
fsr-3217	196	534	*	*	PUNCT
fsr-3217	196	535	*	*	PUNCT
fsr-3217	196	536	�	�	PROPN
fsr-3217	196	537	3.06	3.06	NUM
fsr-3217	196	538	0.832	0.832	NUM
fsr-3217	196	539	employed	employ	VERB
fsr-3217	196	540	part	part	NOUN
fsr-3217	196	541	-	-	PUNCT
fsr-3217	196	542	time	time	NOUN
fsr-3217	196	543	0.000	0.000	NUM
fsr-3217	196	544	0.05	0.05	NUM
fsr-3217	196	545	0.007	0.007	NUM
fsr-3217	196	546	0.06	0.06	NUM
fsr-3217	196	547	1.007	1.007	NUM
fsr-3217	196	548	0.007	0.007	NUM
fsr-3217	196	549	0.47	0.47	NUM
fsr-3217	196	550	0.045	0.045	NUM
fsr-3217	196	551	0.61	0.61	NUM
fsr-3217	196	552	1.046	1.046	NUM
fsr-3217	196	553	homemaker	homemaker	NOUN
fsr-3217	196	554	�	�	PROPN
fsr-3217	196	555	0.023	0.023	NUM
fsr-3217	196	556	*	*	NOUN
fsr-3217	196	557	*	*	PROPN
fsr-3217	196	558	�	�	PROPN
fsr-3217	196	559	2.40	2.40	NUM
fsr-3217	196	560	�	�	NOUN
fsr-3217	196	561	0.280	0.280	NUM
fsr-3217	196	562	*	*	PUNCT
fsr-3217	196	563	*	*	PUNCT
fsr-3217	196	564	�	�	PROPN
fsr-3217	196	565	2.31	2.31	NUM
fsr-3217	196	566	0.756	0.756	NUM
fsr-3217	196	567	�	�	PROPN
fsr-3217	196	568	0.072	0.072	NUM
fsr-3217	196	569	*	*	PUNCT
fsr-3217	196	570	*	*	PUNCT
fsr-3217	196	571	*	*	PUNCT
fsr-3217	196	572	�	�	PROPN
fsr-3217	196	573	5.05	5.05	NUM
fsr-3217	196	574	�	�	NOUN
fsr-3217	196	575	0.417	0.417	NUM
fsr-3217	196	576	*	*	PUNCT
fsr-3217	196	577	*	*	PUNCT
fsr-3217	196	578	*	*	PUNCT
fsr-3217	196	579	�	�	PROPN
fsr-3217	196	580	5.25	5.25	NUM
fsr-3217	196	581	0.659	0.659	NUM
fsr-3217	196	582	full	full	ADJ
fsr-3217	196	583	-	-	PUNCT
fsr-3217	196	584	time	time	NOUN
fsr-3217	196	585	student	student	NOUN
fsr-3217	196	586	�	�	PROPN
fsr-3217	196	587	0.012	0.012	NUM
fsr-3217	196	588	�	�	PROPN
fsr-3217	196	589	0.84	0.84	NUM
fsr-3217	196	590	�	�	NOUN
fsr-3217	196	591	0.121	0.121	NUM
fsr-3217	196	592	�	�	NOUN
fsr-3217	196	593	0.77	0.77	NUM
fsr-3217	196	594	0.886	0.886	NUM
fsr-3217	196	595	�	�	PROPN
fsr-3217	196	596	0.033	0.033	NUM
fsr-3217	196	597	�	�	PROPN
fsr-3217	196	598	1.64	1.64	NUM
fsr-3217	196	599	�	�	PROPN
fsr-3217	196	600	0.143	0.143	NUM
fsr-3217	196	601	�	�	PROPN
fsr-3217	196	602	1.32	1.32	NUM
fsr-3217	196	603	0.867	0.867	NUM
fsr-3217	196	604	disabled	disabled	ADJ
fsr-3217	196	605	�	�	PROPN
fsr-3217	196	606	0.000	0.000	NUM
fsr-3217	196	607	�	�	PROPN
fsr-3217	196	608	0.01	0.01	NUM
fsr-3217	196	609	�	�	PROPN
fsr-3217	196	610	0.001	0.001	NUM
fsr-3217	196	611	�	�	PROPN
fsr-3217	196	612	0.01	0.01	NUM
fsr-3217	196	613	0.999	0.999	NUM
fsr-3217	196	614	�	�	PROPN
fsr-3217	196	615	0.077	0.077	NUM
fsr-3217	196	616	*	*	NOUN
fsr-3217	196	617	*	*	PUNCT
fsr-3217	196	618	*	*	PUNCT
fsr-3217	196	619	�	�	PROPN
fsr-3217	196	620	5.15	5.15	NUM
fsr-3217	196	621	�	�	NOUN
fsr-3217	196	622	0.582	0.582	NUM
fsr-3217	196	623	*	*	PUNCT
fsr-3217	196	624	*	*	PUNCT
fsr-3217	196	625	*	*	PUNCT
fsr-3217	196	626	�	�	PROPN
fsr-3217	196	627	5.38	5.38	NUM
fsr-3217	196	628	0.559	0.559	NUM
fsr-3217	196	629	unemployed	unemployed	ADJ
fsr-3217	196	630	�	�	PROPN
fsr-3217	196	631	0.007	0.007	NUM
fsr-3217	196	632	�	�	PROPN
fsr-3217	196	633	0.73	0.73	NUM
fsr-3217	196	634	�	�	PROPN
fsr-3217	196	635	0.077	0.077	NUM
fsr-3217	196	636	�	�	PROPN
fsr-3217	196	637	0.61	0.61	NUM
fsr-3217	196	638	0.926	0.926	NUM
fsr-3217	196	639	�	�	NOUN
fsr-3217	196	640	0.066	0.066	NUM
fsr-3217	196	641	*	*	NOUN
fsr-3217	196	642	*	*	PUNCT
fsr-3217	196	643	*	*	PUNCT
fsr-3217	196	644	�	�	PROPN
fsr-3217	196	645	4.67	4.67	NUM
fsr-3217	196	646	�	�	PROPN
fsr-3217	196	647	0.436	0.436	NUM
fsr-3217	196	648	*	*	PUNCT
fsr-3217	196	649	*	*	PUNCT
fsr-3217	196	650	*	*	PUNCT
fsr-3217	196	651	�	�	NOUN
fsr-3217	196	652	4.89	4.89	NUM
fsr-3217	196	653	0.647	0.647	NUM
fsr-3217	196	654	retired	retire	VERB
fsr-3217	196	655	�	�	PROPN
fsr-3217	196	656	0.018	0.018	NUM
fsr-3217	196	657	*	*	NOUN
fsr-3217	196	658	*	*	PUNCT
fsr-3217	196	659	�	�	PROPN
fsr-3217	196	660	2.24	2.24	NUM
fsr-3217	196	661	�	�	NOUN
fsr-3217	196	662	0.321	0.321	NUM
fsr-3217	196	663	*	*	NOUN
fsr-3217	196	664	*	*	NOUN
fsr-3217	196	665	�	�	PROPN
fsr-3217	196	666	2.56	2.56	NUM
fsr-3217	196	667	0.725	0.725	NUM
fsr-3217	196	668	0.005	0.005	NUM
fsr-3217	196	669	0.38	0.38	NUM
fsr-3217	196	670	0.018	0.018	NUM
fsr-3217	196	671	0.26	0.26	NUM
fsr-3217	196	672	1.018	1.018	NUM
fsr-3217	196	673	region	region	NOUN
fsr-3217	196	674	(	(	PUNCT
fsr-3217	196	675	reference	reference	NOUN
fsr-3217	196	676	category	category	NOUN
fsr-3217	196	677	:	:	PUNCT
fsr-3217	196	678	northeast	northeast	ADJ
fsr-3217	196	679	)	)	PUNCT
fsr-3217	196	680	midwest	midwest	PROPN
fsr-3217	196	681	�	�	PROPN
fsr-3217	196	682	0.011	0.011	NUM
fsr-3217	196	683	*	*	SYM
fsr-3217	196	684	�	�	PROPN
fsr-3217	196	685	1.86	1.86	NUM
fsr-3217	196	686	�	�	NOUN
fsr-3217	196	687	0.142	0.142	NUM
fsr-3217	196	688	*	*	SYM
fsr-3217	196	689	�	�	PROPN
fsr-3217	196	690	1.81	1.81	NUM
fsr-3217	196	691	0.868	0.868	NUM
fsr-3217	196	692	0.004	0.004	NUM
fsr-3217	196	693	0.44	0.44	NUM
fsr-3217	196	694	0.028	0.028	NUM
fsr-3217	196	695	0.58	0.58	NUM
fsr-3217	196	696	1.028	1.028	NUM
fsr-3217	196	697	south	south	NOUN
fsr-3217	196	698	0.000	0.000	NUM
fsr-3217	196	699	0.07	0.07	NUM
fsr-3217	196	700	0.004	0.004	NUM
fsr-3217	196	701	0.06	0.06	NUM
fsr-3217	196	702	1.004	1.004	NUM
fsr-3217	196	703	�	�	PROPN
fsr-3217	196	704	0.010	0.010	NUM
fsr-3217	196	705	�	�	PROPN
fsr-3217	196	706	1.14	1.14	NUM
fsr-3217	196	707	�	�	PROPN
fsr-3217	196	708	0.056	0.056	NUM
fsr-3217	196	709	�	�	PROPN
fsr-3217	196	710	1.22	1.22	NUM
fsr-3217	196	711	0.945	0.945	NUM
fsr-3217	196	712	west	west	PROPN
fsr-3217	196	713	�	�	PROPN
fsr-3217	196	714	0.000	0.000	NUM
fsr-3217	196	715	�	�	PROPN
fsr-3217	196	716	0.01	0.01	NUM
fsr-3217	196	717	0.005	0.005	NUM
fsr-3217	196	718	0.07	0.07	NUM
fsr-3217	196	719	1.005	1.005	NUM
fsr-3217	196	720	0.004	0.004	NUM
fsr-3217	196	721	0.47	0.47	NUM
fsr-3217	196	722	0.028	0.028	NUM
fsr-3217	196	723	0.58	0.58	NUM
fsr-3217	196	724	1.028	1.028	NUM
fsr-3217	196	725	observations	observation	NOUN
fsr-3217	196	726	22,218	22,218	NUM
fsr-3217	196	727	22,218	22,218	NUM
fsr-3217	196	728	22,218	22,218	NUM
fsr-3217	196	729	22,218	22,218	NUM
fsr-3217	196	730	adjusted	adjust	VERB
fsr-3217	196	731	r2	r2	NOUN
fsr-3217	196	732	0.023	0.023	NUM
fsr-3217	196	733	0.127	0.127	NUM
fsr-3217	196	734	mortgage	mortgage	NOUN
fsr-3217	196	735	or	or	CCONJ
fsr-3217	196	736	loan	loan	NOUN
fsr-3217	196	737	insurance	insurance	NOUN
fsr-3217	196	738	ols	ol	NOUN
fsr-3217	196	739	coefficient	coefficient	NOUN
fsr-3217	196	740	t	t	PROPN
fsr-3217	196	741	stat	stat	PROPN
fsr-3217	196	742	logit	logit	PROPN
fsr-3217	196	743	coefficient	coefficient	VERB
fsr-3217	196	744	z	z	NOUN
fsr-3217	196	745	-	-	PUNCT
fsr-3217	196	746	stat	stat	NOUN
fsr-3217	196	747	odds	odd	NOUN
fsr-3217	196	748	ratio	ratio	NOUN
fsr-3217	196	749	ols	ols	PROPN
fsr-3217	196	750	coefficient	coefficient	PROPN
fsr-3217	196	751	t	t	PROPN
fsr-3217	196	752	stat	stat	PROPN
fsr-3217	196	753	logit	logit	PROPN
fsr-3217	196	754	coefficient	coefficient	VERB
fsr-3217	196	755	z	z	NOUN
fsr-3217	196	756	-	-	PUNCT
fsr-3217	196	757	stat	stat	NOUN
fsr-3217	196	758	odds	odd	NOUN
fsr-3217	196	759	ratio	ratio	NOUN
fsr-3217	196	760	constant	constant	ADJ
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fsr-3217	196	763	*	*	PUNCT
fsr-3217	196	764	*	*	PROPN
fsr-3217	196	765	7.37	7.37	NUM
fsr-3217	196	766	�	�	PROPN
fsr-3217	196	767	2.215	2.215	NUM
fsr-3217	196	768	*	*	PUNCT
fsr-3217	196	769	*	*	PUNCT
fsr-3217	196	770	*	*	PUNCT
fsr-3217	196	771	�	�	PROPN
fsr-3217	196	772	14.87	14.87	NUM
fsr-3217	196	773	0.109	0.109	NUM
fsr-3217	196	774	0.207	0.207	NUM
fsr-3217	196	775	*	*	PUNCT
fsr-3217	196	776	*	*	PUNCT
fsr-3217	196	777	*	*	PUNCT
fsr-3217	196	778	9.53	9.53	NUM
fsr-3217	196	779	�	�	PROPN
fsr-3217	196	780	1.500	1.500	NUM
fsr-3217	196	781	*	*	PUNCT
fsr-3217	196	782	*	*	PUNCT
fsr-3217	196	783	*	*	PUNCT
fsr-3217	196	784	�	�	PROPN
fsr-3217	196	785	12.75	12.75	NUM
fsr-3217	196	786	0.223	0.223	NUM
fsr-3217	196	787	financial	financial	ADJ
fsr-3217	196	788	education	education	NOUN
fsr-3217	196	789	0.060	0.060	NUM
fsr-3217	196	790	*	*	PUNCT
fsr-3217	196	791	*	*	PUNCT
fsr-3217	196	792	*	*	PUNCT
fsr-3217	196	793	8.40	8.40	NUM
fsr-3217	196	794	0.336	0.336	NUM
fsr-3217	196	795	*	*	PUNCT
fsr-3217	196	796	*	*	PUNCT
fsr-3217	196	797	*	*	PUNCT
fsr-3217	196	798	8.69	8.69	NUM
fsr-3217	196	799	1.399	1.399	NUM
fsr-3217	196	800	0.097	0.097	NUM
fsr-3217	196	801	*	*	PUNCT
fsr-3217	196	802	*	*	PUNCT
fsr-3217	196	803	*	*	PUNCT
fsr-3217	196	804	12.26	12.26	NUM
fsr-3217	196	805	0.431	0.431	NUM
fsr-3217	196	806	*	*	PUNCT
fsr-3217	196	807	*	*	PUNCT
fsr-3217	196	808	*	*	PUNCT
fsr-3217	196	809	12.52	12.52	NUM
fsr-3217	196	810	1.539	1.539	NUM
fsr-3217	196	811	female	female	ADJ
fsr-3217	196	812	0.004	0.004	NUM
fsr-3217	196	813	0.77	0.77	NUM
fsr-3217	196	814	0.025	0.025	NUM
fsr-3217	196	815	0.70	0.70	NUM
fsr-3217	196	816	1.025	1.025	NUM
fsr-3217	196	817	0.023	0.023	NUM
fsr-3217	196	818	*	*	PUNCT
fsr-3217	196	819	*	*	PUNCT
fsr-3217	196	820	*	*	PUNCT
fsr-3217	196	821	3.58	3.58	NUM
fsr-3217	196	822	0.112	0.112	NUM
fsr-3217	196	823	*	*	PUNCT
fsr-3217	196	824	*	*	PUNCT
fsr-3217	196	825	*	*	PUNCT
fsr-3217	196	826	3.60	3.60	NUM
fsr-3217	196	827	1.118	1.118	NUM
fsr-3217	196	828	age	age	NOUN
fsr-3217	196	829	group	group	NOUN
fsr-3217	196	830	(	(	PUNCT
fsr-3217	196	831	reference	reference	NOUN
fsr-3217	196	832	category	category	NOUN
fsr-3217	196	833	:	:	PUNCT
fsr-3217	196	834	18–24	18–24	NUM
fsr-3217	196	835	)	)	PUNCT
fsr-3217	196	836	25–34	25–34	NUM
fsr-3217	196	837	0.032	0.032	NUM
fsr-3217	196	838	*	*	PUNCT
fsr-3217	196	839	*	*	PUNCT
fsr-3217	196	840	*	*	PUNCT
fsr-3217	196	841	2.76	2.76	NUM
fsr-3217	196	842	0.117	0.117	NUM
fsr-3217	196	843	1.51	1.51	NUM
fsr-3217	196	844	1.125	1.125	NUM
fsr-3217	196	845	0.011	0.011	NUM
fsr-3217	196	846	0.87	0.87	NUM
fsr-3217	196	847	0.044	0.044	NUM
fsr-3217	196	848	0.66	0.66	NUM
fsr-3217	196	849	1.045	1.045	NUM
fsr-3217	196	850	35–44	35–44	NUM
fsr-3217	196	851	�	�	PROPN
fsr-3217	196	852	0.009	0.009	NUM
fsr-3217	196	853	�	�	PROPN
fsr-3217	196	854	0.80	0.80	NUM
fsr-3217	196	855	�	�	NOUN
fsr-3217	196	856	0.134	0.134	NUM
fsr-3217	196	857	*	*	SYM
fsr-3217	196	858	�	�	PROPN
fsr-3217	196	859	1.68	1.68	NUM
fsr-3217	196	860	0.874	0.874	NUM
fsr-3217	196	861	�	�	PROPN
fsr-3217	196	862	0.008	0.008	NUM
fsr-3217	196	863	�	�	PROPN
fsr-3217	196	864	0.57	0.57	NUM
fsr-3217	196	865	�	�	PROPN
fsr-3217	196	866	0.048	0.048	NUM
fsr-3217	196	867	�	�	PROPN
fsr-3217	196	868	0.70	0.70	NUM
fsr-3217	196	869	0.953	0.953	NUM
fsr-3217	196	870	45–54	45–54	NUM
fsr-3217	196	871	�	�	NOUN
fsr-3217	196	872	0.065	0.065	NUM
fsr-3217	196	873	*	*	PUNCT
fsr-3217	196	874	*	*	PUNCT
fsr-3217	196	875	*	*	PUNCT
fsr-3217	196	876	�	�	PROPN
fsr-3217	196	877	5.71	5.71	NUM
fsr-3217	196	878	�	�	NOUN
fsr-3217	196	879	0.458	0.458	NUM
fsr-3217	196	880	*	*	PUNCT
fsr-3217	196	881	*	*	PUNCT
fsr-3217	196	882	*	*	PUNCT
fsr-3217	196	883	�	�	PROPN
fsr-3217	196	884	5.73	5.73	NUM
fsr-3217	196	885	0.633	0.633	NUM
fsr-3217	196	886	�	�	NOUN
fsr-3217	196	887	0.026	0.026	NUM
fsr-3217	196	888	*	*	PUNCT
fsr-3217	196	889	*	*	PROPN
fsr-3217	196	890	�	�	PROPN
fsr-3217	196	891	1.97	1.97	NUM
fsr-3217	196	892	�	�	NOUN
fsr-3217	196	893	0.132	0.132	NUM
fsr-3217	196	894	*	*	SYM
fsr-3217	196	895	�	�	PROPN
fsr-3217	196	896	1.94	1.94	NUM
fsr-3217	196	897	0.876	0.876	NUM
fsr-3217	196	898	55–64	55–64	NUM
fsr-3217	196	899	�	�	NOUN
fsr-3217	196	900	0.076	0.076	NUM
fsr-3217	196	901	*	*	PUNCT
fsr-3217	196	902	*	*	PUNCT
fsr-3217	196	903	*	*	PUNCT
fsr-3217	196	904	�	�	PROPN
fsr-3217	196	905	6.39	6.39	NUM
fsr-3217	196	906	�	�	NOUN
fsr-3217	196	907	0.533	0.533	NUM
fsr-3217	196	908	*	*	PUNCT
fsr-3217	196	909	*	*	PUNCT
fsr-3217	196	910	*	*	PUNCT
fsr-3217	196	911	�	�	PROPN
fsr-3217	196	912	6.36	6.36	NUM
fsr-3217	196	913	0.587	0.587	NUM
fsr-3217	196	914	�	�	PROPN
fsr-3217	196	915	0.022	0.022	NUM
fsr-3217	196	916	�	�	PROPN
fsr-3217	196	917	1.58	1.58	NUM
fsr-3217	196	918	�	�	PROPN
fsr-3217	196	919	0.114	0.114	NUM
fsr-3217	196	920	�	�	PROPN
fsr-3217	196	921	1.62	1.62	NUM
fsr-3217	196	922	0.892	0.892	NUM
fsr-3217	196	923	65	65	NUM
fsr-3217	196	924	�	�	PROPN
fsr-3217	196	925	�	�	PROPN
fsr-3217	196	926	0.092	0.092	NUM
fsr-3217	196	927	*	*	PUNCT
fsr-3217	196	928	*	*	PUNCT
fsr-3217	196	929	*	*	PUNCT
fsr-3217	196	930	�	�	PROPN
fsr-3217	196	931	6.62	6.62	NUM
fsr-3217	196	932	�	�	NOUN
fsr-3217	196	933	0.635	0.635	NUM
fsr-3217	196	934	*	*	NOUN
fsr-3217	196	935	*	*	PUNCT
fsr-3217	196	936	*	*	PUNCT
fsr-3217	196	937	�	�	PROPN
fsr-3217	196	938	6.58	6.58	NUM
fsr-3217	196	939	0.530	0.530	NUM
fsr-3217	196	940	�	�	NOUN
fsr-3217	196	941	0.037	0.037	NUM
fsr-3217	196	942	*	*	NOUN
fsr-3217	196	943	*	*	PROPN
fsr-3217	196	944	�	�	PROPN
fsr-3217	196	945	2.27	2.27	NUM
fsr-3217	196	946	�	�	PROPN
fsr-3217	196	947	0.184	0.184	NUM
fsr-3217	196	948	*	*	NOUN
fsr-3217	196	949	*	*	PUNCT
fsr-3217	196	950	�	�	PROPN
fsr-3217	196	951	2.28	2.28	NUM
fsr-3217	196	952	0.832	0.832	NUM
fsr-3217	196	953	black	black	ADJ
fsr-3217	196	954	(	(	PUNCT
fsr-3217	196	955	non	non	ADJ
fsr-3217	196	956	-	-	ADJ
fsr-3217	196	957	hispanic	hispanic	ADJ
fsr-3217	196	958	)	)	PUNCT
fsr-3217	196	959	�	�	PROPN
fsr-3217	196	960	0.026	0.026	NUM
fsr-3217	196	961	*	*	PUNCT
fsr-3217	196	962	*	*	PUNCT
fsr-3217	196	963	*	*	PUNCT
fsr-3217	196	964	�	�	PROPN
fsr-3217	196	965	3.99	3.99	NUM
fsr-3217	196	966	�	�	PROPN
fsr-3217	196	967	0.163	0.163	NUM
fsr-3217	196	968	*	*	NOUN
fsr-3217	196	969	*	*	PUNCT
fsr-3217	196	970	*	*	PUNCT
fsr-3217	196	971	�	�	X
fsr-3217	196	972	3.95	3.95	NUM
fsr-3217	196	973	0.850	0.850	NUM
fsr-3217	196	974	0.011	0.011	NUM
fsr-3217	196	975	1.50	1.50	NUM
fsr-3217	196	976	0.053	0.053	NUM
fsr-3217	196	977	1.49	1.49	NUM
fsr-3217	196	978	1.054	1.054	NUM
fsr-3217	196	979	education	education	NOUN
fsr-3217	196	980	(	(	PUNCT
fsr-3217	196	981	reference	reference	NOUN
fsr-3217	196	982	category	category	NOUN
fsr-3217	196	983	:	:	PUNCT
fsr-3217	196	984	did	do	AUX
fsr-3217	196	985	not	not	PART
fsr-3217	196	986	complete	complete	VERB
fsr-3217	196	987	high	high	ADJ
fsr-3217	196	988	school	school	NOUN
fsr-3217	196	989	)	)	PUNCT
fsr-3217	196	990	high	high	ADJ
fsr-3217	196	991	school	school	NOUN
fsr-3217	196	992	0.030	0.030	NUM
fsr-3217	196	993	*	*	PUNCT
fsr-3217	196	994	*	*	PUNCT
fsr-3217	196	995	*	*	PUNCT
fsr-3217	196	996	3.18	3.18	NUM
fsr-3217	196	997	0.353	0.353	NUM
fsr-3217	196	998	*	*	PUNCT
fsr-3217	196	999	*	*	PUNCT
fsr-3217	196	1000	*	*	PUNCT
fsr-3217	196	1001	3.40	3.40	NUM
fsr-3217	196	1002	1.423	1.423	NUM
fsr-3217	196	1003	0.006	0.006	NUM
fsr-3217	196	1004	0.51	0.51	NUM
fsr-3217	196	1005	0.079	0.079	NUM
fsr-3217	196	1006	1.02	1.02	NUM
fsr-3217	196	1007	1.082	1.082	NUM
fsr-3217	196	1008	ged	ge	VERB
fsr-3217	196	1009	0.022	0.022	NUM
fsr-3217	196	1010	*	*	PUNCT
fsr-3217	196	1011	1.83	1.83	NUM
fsr-3217	196	1012	0.282	0.282	NUM
fsr-3217	196	1013	*	*	PUNCT
fsr-3217	196	1014	*	*	PROPN
fsr-3217	196	1015	2.31	2.31	NUM
fsr-3217	196	1016	1.325	1.325	NUM
fsr-3217	196	1017	0.010	0.010	NUM
fsr-3217	196	1018	0.65	0.65	NUM
fsr-3217	196	1019	0.093	0.093	NUM
fsr-3217	196	1020	1.01	1.01	NUM
fsr-3217	196	1021	1.098	1.098	NUM
fsr-3217	196	1022	some	some	DET
fsr-3217	196	1023	college	college	NOUN
fsr-3217	196	1024	0.068	0.068	NUM
fsr-3217	196	1025	*	*	PUNCT
fsr-3217	196	1026	*	*	PUNCT
fsr-3217	196	1027	*	*	PUNCT
fsr-3217	196	1028	7.19	7.19	NUM
fsr-3217	196	1029	0.616	0.616	NUM
fsr-3217	196	1030	*	*	PUNCT
fsr-3217	196	1031	*	*	PUNCT
fsr-3217	196	1032	*	*	PUNCT
fsr-3217	196	1033	6.17	6.17	NUM
fsr-3217	196	1034	1.851	1.851	NUM
fsr-3217	196	1035	0.071	0.071	NUM
fsr-3217	196	1036	*	*	PUNCT
fsr-3217	196	1037	*	*	PUNCT
fsr-3217	196	1038	*	*	PUNCT
fsr-3217	196	1039	5.84	5.84	NUM
fsr-3217	196	1040	0.406	0.406	NUM
fsr-3217	196	1041	*	*	PUNCT
fsr-3217	196	1042	*	*	PUNCT
fsr-3217	196	1043	*	*	PUNCT
fsr-3217	196	1044	5.48	5.48	NUM
fsr-3217	196	1045	1.501	1.501	NUM
fsr-3217	196	1046	139b	139b	NOUN
fsr-3217	196	1047	.	.	PUNCT
fsr-3217	197	1	balasubramnian	balasubramnian	PROPN
fsr-3217	197	2	,	,	PUNCT
fsr-3217	197	3	e.r	e.r	PROPN
fsr-3217	197	4	.	.	NOUN
fsr-3217	197	5	brisker	brisk	ADJ
fsr-3217	197	6	/	/	SYM
fsr-3217	197	7	financial	financial	ADJ
fsr-3217	197	8	services	service	NOUN
fsr-3217	197	9	review	review	VERB
fsr-3217	197	10	25	25	NUM
fsr-3217	197	11	(	(	PUNCT
fsr-3217	197	12	2016	2016	NUM
fsr-3217	197	13	)	)	PUNCT
fsr-3217	197	14	127–155	127–155	NUM
fsr-3217	197	15	table	table	NOUN
fsr-3217	197	16	4	4	NUM
fsr-3217	197	17	(	(	PUNCT
fsr-3217	197	18	continued	continued	ADJ
fsr-3217	197	19	)	)	PUNCT
fsr-3217	197	20	mortgage	mortgage	NOUN
fsr-3217	197	21	or	or	CCONJ
fsr-3217	197	22	loan	loan	NOUN
fsr-3217	197	23	insurance	insurance	NOUN
fsr-3217	197	24	ols	ol	NOUN
fsr-3217	197	25	coefficient	coefficient	NOUN
fsr-3217	197	26	t	t	PROPN
fsr-3217	197	27	stat	stat	PROPN
fsr-3217	197	28	logit	logit	PROPN
fsr-3217	197	29	coefficient	coefficient	VERB
fsr-3217	198	1	z	z	NOUN
fsr-3217	198	2	-	-	PUNCT
fsr-3217	198	3	stat	stat	NOUN
fsr-3217	198	4	odds	odd	NOUN
fsr-3217	198	5	ratio	ratio	NOUN
fsr-3217	198	6	ols	ols	PROPN
fsr-3217	198	7	coefficient	coefficient	PROPN
fsr-3217	198	8	t	t	PROPN
fsr-3217	198	9	stat	stat	PROPN
fsr-3217	198	10	logit	logit	PROPN
fsr-3217	198	11	coefficient	coefficient	VERB
fsr-3217	198	12	z	z	NOUN
fsr-3217	198	13	-	-	PUNCT
fsr-3217	198	14	stat	stat	NOUN
fsr-3217	198	15	odds	odd	NOUN
fsr-3217	198	16	ratio	ratio	NOUN
fsr-3217	198	17	college	college	NOUN
fsr-3217	198	18	graduate	graduate	NOUN
fsr-3217	198	19	0.086	0.086	NUM
fsr-3217	198	20	*	*	PUNCT
fsr-3217	198	21	*	*	PUNCT
fsr-3217	198	22	*	*	PUNCT
fsr-3217	198	23	7.89	7.89	NUM
fsr-3217	198	24	0.700	0.700	NUM
fsr-3217	198	25	*	*	PUNCT
fsr-3217	198	26	*	*	PUNCT
fsr-3217	198	27	*	*	PUNCT
fsr-3217	198	28	6.78	6.78	NUM
fsr-3217	198	29	2.015	2.015	NUM
fsr-3217	198	30	0.088	0.088	NUM
fsr-3217	198	31	*	*	PUNCT
fsr-3217	198	32	*	*	PUNCT
fsr-3217	198	33	*	*	PUNCT
fsr-3217	198	34	6.49	6.49	NUM
fsr-3217	198	35	0.472	0.472	NUM
fsr-3217	198	36	*	*	PUNCT
fsr-3217	199	1	*	*	PUNCT
fsr-3217	199	2	*	*	PUNCT
fsr-3217	199	3	6.05	6.05	NUM
fsr-3217	199	4	1.603	1.603	NUM
fsr-3217	199	5	post	post	ADJ
fsr-3217	199	6	-	-	ADJ
fsr-3217	199	7	graduate	graduate	ADJ
fsr-3217	199	8	0.087	0.087	NUM
fsr-3217	199	9	*	*	NOUN
fsr-3217	199	10	*	*	PUNCT
fsr-3217	199	11	*	*	PUNCT
fsr-3217	199	12	6.81	6.81	NUM
fsr-3217	199	13	0.706	0.706	NUM
fsr-3217	199	14	*	*	PUNCT
fsr-3217	199	15	*	*	PUNCT
fsr-3217	199	16	*	*	PUNCT
fsr-3217	199	17	6.51	6.51	NUM
fsr-3217	199	18	2.026	2.026	NUM
fsr-3217	199	19	0.087	0.087	NUM
fsr-3217	199	20	*	*	PUNCT
fsr-3217	199	21	*	*	PUNCT
fsr-3217	199	22	*	*	PUNCT
fsr-3217	199	23	5.67	5.67	NUM
fsr-3217	199	24	0.465	0.465	NUM
fsr-3217	199	25	*	*	PUNCT
fsr-3217	199	26	*	*	PUNCT
fsr-3217	199	27	*	*	PUNCT
fsr-3217	199	28	5.55	5.55	NUM
fsr-3217	199	29	1.591	1.591	NUM
fsr-3217	199	30	marital	marital	ADJ
fsr-3217	199	31	status	status	NOUN
fsr-3217	199	32	(	(	PUNCT
fsr-3217	199	33	reference	reference	NOUN
fsr-3217	199	34	category	category	NOUN
fsr-3217	199	35	:	:	PUNCT
fsr-3217	199	36	married	married	ADJ
fsr-3217	199	37	)	)	PUNCT
fsr-3217	199	38	living	live	VERB
fsr-3217	199	39	-	-	PUNCT
fsr-3217	199	40	with	with	ADP
fsr-3217	199	41	-	-	PUNCT
fsr-3217	199	42	partner	partner	NOUN
fsr-3217	199	43	�	�	PROPN
fsr-3217	199	44	0.022	0.022	NUM
fsr-3217	199	45	*	*	PROPN
fsr-3217	199	46	*	*	PROPN
fsr-3217	199	47	�	�	PROPN
fsr-3217	199	48	2.04	2.04	NUM
fsr-3217	199	49	�	�	NOUN
fsr-3217	199	50	0.123	0.123	NUM
fsr-3217	199	51	*	*	SYM
fsr-3217	199	52	�	�	PROPN
fsr-3217	199	53	1.84	1.84	NUM
fsr-3217	199	54	0.885	0.885	NUM
fsr-3217	199	55	�	�	PROPN
fsr-3217	199	56	0.026	0.026	NUM
fsr-3217	199	57	*	*	PUNCT
fsr-3217	199	58	*	*	PROPN
fsr-3217	199	59	�	�	PROPN
fsr-3217	199	60	2.13	2.13	NUM
fsr-3217	199	61	�	�	NOUN
fsr-3217	199	62	0.120	0.120	NUM
fsr-3217	199	63	*	*	NOUN
fsr-3217	199	64	*	*	NOUN
fsr-3217	199	65	�	�	PROPN
fsr-3217	199	66	2.03	2.03	NUM
fsr-3217	199	67	0.887	0.887	NUM
fsr-3217	199	68	single	single	ADJ
fsr-3217	199	69	�	�	NOUN
fsr-3217	199	70	0.054	0.054	NUM
fsr-3217	199	71	*	*	PUNCT
fsr-3217	199	72	*	*	PUNCT
fsr-3217	199	73	*	*	PROPN
fsr-3217	199	74	�	�	PROPN
fsr-3217	199	75	8.20	8.20	NUM
fsr-3217	199	76	�	�	NOUN
fsr-3217	199	77	0.357	0.357	NUM
fsr-3217	199	78	*	*	PUNCT
fsr-3217	199	79	*	*	PUNCT
fsr-3217	199	80	*	*	PUNCT
fsr-3217	199	81	�	�	PROPN
fsr-3217	199	82	8.02	8.02	NUM
fsr-3217	199	83	0.700	0.700	NUM
fsr-3217	199	84	�	�	NOUN
fsr-3217	199	85	0.040	0.040	NUM
fsr-3217	199	86	*	*	PUNCT
fsr-3217	199	87	*	*	PUNCT
fsr-3217	199	88	*	*	PUNCT
fsr-3217	199	89	�	�	PROPN
fsr-3217	199	90	5.10	5.10	NUM
fsr-3217	199	91	�	�	NOUN
fsr-3217	199	92	0.188	0.188	NUM
fsr-3217	199	93	*	*	PUNCT
fsr-3217	199	94	*	*	PUNCT
fsr-3217	199	95	*	*	PUNCT
fsr-3217	199	96	�	�	PROPN
fsr-3217	199	97	5.01	5.01	NUM
fsr-3217	199	98	0.829	0.829	NUM
fsr-3217	199	99	income	income	NOUN
fsr-3217	199	100	(	(	PUNCT
fsr-3217	199	101	reference	reference	NOUN
fsr-3217	199	102	category	category	NOUN
fsr-3217	199	103	:	:	PUNCT
fsr-3217	199	104	less	less	ADJ
fsr-3217	199	105	than	than	ADP
fsr-3217	199	106	$	$	SYM
fsr-3217	199	107	15,000	15,000	NUM
fsr-3217	199	108	)	)	PUNCT
fsr-3217	199	109	$	$	SYM
fsr-3217	199	110	15,000	15,000	NUM
fsr-3217	199	111	$	$	SYM
fsr-3217	199	112	24,999	24,999	NUM
fsr-3217	199	113	0.023	0.023	NUM
fsr-3217	199	114	*	*	PUNCT
fsr-3217	199	115	*	*	PUNCT
fsr-3217	199	116	*	*	PUNCT
fsr-3217	199	117	2.76	2.76	NUM
fsr-3217	199	118	0.336	0.336	NUM
fsr-3217	199	119	*	*	PUNCT
fsr-3217	199	120	*	*	PUNCT
fsr-3217	199	121	*	*	PUNCT
fsr-3217	199	122	3.50	3.50	NUM
fsr-3217	199	123	1.400	1.400	NUM
fsr-3217	199	124	0.082	0.082	NUM
fsr-3217	199	125	*	*	PUNCT
fsr-3217	199	126	*	*	PUNCT
fsr-3217	199	127	*	*	PUNCT
fsr-3217	199	128	7.07	7.07	NUM
fsr-3217	199	129	0.517	0.517	NUM
fsr-3217	199	130	*	*	PUNCT
fsr-3217	199	131	*	*	PUNCT
fsr-3217	199	132	*	*	PUNCT
fsr-3217	199	133	7.32	7.32	NUM
fsr-3217	199	134	1.677	1.677	NUM
fsr-3217	199	135	$	$	SYM
fsr-3217	199	136	25,000	25,000	NUM
fsr-3217	199	137	$	$	SYM
fsr-3217	199	138	34,999	34,999	NUM
fsr-3217	199	139	0.051	0.051	NUM
fsr-3217	199	140	*	*	PUNCT
fsr-3217	199	141	*	*	PUNCT
fsr-3217	199	142	*	*	PUNCT
fsr-3217	199	143	5.34	5.34	NUM
fsr-3217	199	144	0.612	0.612	NUM
fsr-3217	199	145	*	*	PUNCT
fsr-3217	199	146	*	*	PUNCT
fsr-3217	199	147	*	*	PUNCT
fsr-3217	199	148	6.57	6.57	NUM
fsr-3217	199	149	1.844	1.844	NUM
fsr-3217	199	150	0.089	0.089	NUM
fsr-3217	199	151	*	*	PUNCT
fsr-3217	199	152	*	*	PUNCT
fsr-3217	199	153	*	*	PUNCT
fsr-3217	199	154	7.28	7.28	NUM
fsr-3217	199	155	0.556	0.556	NUM
fsr-3217	199	156	*	*	PUNCT
fsr-3217	199	157	*	*	PUNCT
fsr-3217	199	158	*	*	PUNCT
fsr-3217	199	159	7.75	7.75	NUM
fsr-3217	199	160	1.744	1.744	NUM
fsr-3217	199	161	$	$	SYM
fsr-3217	199	162	35,000	35,000	NUM
fsr-3217	199	163	$	$	SYM
fsr-3217	199	164	49,999	49,999	NUM
fsr-3217	199	165	0.068	0.068	NUM
fsr-3217	199	166	*	*	PUNCT
fsr-3217	199	167	*	*	PUNCT
fsr-3217	199	168	*	*	PUNCT
fsr-3217	199	169	7.09	7.09	NUM
fsr-3217	199	170	0.732	0.732	NUM
fsr-3217	199	171	*	*	PUNCT
fsr-3217	199	172	*	*	PUNCT
fsr-3217	199	173	*	*	PUNCT
fsr-3217	199	174	8.14	8.14	NUM
fsr-3217	199	175	2.080	2.080	NUM
fsr-3217	199	176	0.118	0.118	NUM
fsr-3217	199	177	*	*	PUNCT
fsr-3217	199	178	*	*	PUNCT
fsr-3217	199	179	*	*	PUNCT
fsr-3217	199	180	9.78	9.78	NUM
fsr-3217	199	181	0.695	0.695	NUM
fsr-3217	199	182	*	*	PUNCT
fsr-3217	199	183	*	*	PUNCT
fsr-3217	199	184	*	*	PUNCT
fsr-3217	199	185	10.02	10.02	NUM
fsr-3217	199	186	2.004	2.004	NUM
fsr-3217	199	187	$	$	SYM
fsr-3217	199	188	50,000	50,000	NUM
fsr-3217	199	189	$	$	SYM
fsr-3217	199	190	74,999	74,999	NUM
fsr-3217	199	191	0.113	0.113	NUM
fsr-3217	199	192	*	*	PUNCT
fsr-3217	199	193	*	*	PUNCT
fsr-3217	199	194	*	*	PUNCT
fsr-3217	199	195	11.52	11.52	NUM
fsr-3217	199	196	0.997	0.997	NUM
fsr-3217	199	197	*	*	PUNCT
fsr-3217	199	198	*	*	PUNCT
fsr-3217	199	199	*	*	PUNCT
fsr-3217	199	200	11.40	11.40	NUM
fsr-3217	199	201	2.709	2.709	NUM
fsr-3217	199	202	0.146	0.146	NUM
fsr-3217	199	203	*	*	PUNCT
fsr-3217	199	204	*	*	PUNCT
fsr-3217	199	205	*	*	PUNCT
fsr-3217	199	206	12.13	12.13	NUM
fsr-3217	199	207	0.819	0.819	NUM
fsr-3217	199	208	*	*	PUNCT
fsr-3217	199	209	*	*	PUNCT
fsr-3217	199	210	*	*	PUNCT
fsr-3217	199	211	11.98	11.98	NUM
fsr-3217	199	212	2.268	2.268	NUM
fsr-3217	199	213	$	$	SYM
fsr-3217	199	214	75,000	75,000	NUM
fsr-3217	199	215	$	$	SYM
fsr-3217	199	216	99,999	99,999	NUM
fsr-3217	199	217	0.146	0.146	NUM
fsr-3217	199	218	*	*	PUNCT
fsr-3217	199	219	*	*	PUNCT
fsr-3217	199	220	*	*	PUNCT
fsr-3217	199	221	12.40	12.40	NUM
fsr-3217	199	222	1.151	1.151	NUM
fsr-3217	199	223	*	*	PUNCT
fsr-3217	199	224	*	*	PUNCT
fsr-3217	199	225	*	*	PUNCT
fsr-3217	199	226	12.42	12.42	NUM
fsr-3217	199	227	3.163	3.163	NUM
fsr-3217	199	228	0.150	0.150	NUM
fsr-3217	199	229	*	*	PUNCT
fsr-3217	199	230	*	*	PUNCT
fsr-3217	199	231	*	*	PUNCT
fsr-3217	199	232	10.89	10.89	NUM
fsr-3217	199	233	0.834	0.834	NUM
fsr-3217	199	234	*	*	PUNCT
fsr-3217	199	235	*	*	PUNCT
fsr-3217	199	236	*	*	PUNCT
fsr-3217	199	237	11.20	11.20	NUM
fsr-3217	199	238	2.303	2.303	NUM
fsr-3217	199	239	$	$	SYM
fsr-3217	199	240	100,000	100,000	NUM
fsr-3217	199	241	$	$	SYM
fsr-3217	199	242	149,999	149,999	NUM
fsr-3217	199	243	0.168	0.168	NUM
fsr-3217	199	244	*	*	PUNCT
fsr-3217	199	245	*	*	PUNCT
fsr-3217	199	246	*	*	PUNCT
fsr-3217	199	247	13.33	13.33	NUM
fsr-3217	199	248	1.252	1.252	NUM
fsr-3217	199	249	*	*	PUNCT
fsr-3217	199	250	*	*	PUNCT
fsr-3217	199	251	*	*	PUNCT
fsr-3217	199	252	13.20	13.20	NUM
fsr-3217	199	253	3.499	3.499	NUM
fsr-3217	199	254	0.175	0.175	NUM
fsr-3217	199	255	*	*	PUNCT
fsr-3217	199	256	*	*	PUNCT
fsr-3217	199	257	*	*	PUNCT
fsr-3217	199	258	12.00	12.00	NUM
fsr-3217	199	259	0.938	0.938	NUM
fsr-3217	199	260	*	*	PUNCT
fsr-3217	199	261	*	*	PUNCT
fsr-3217	199	262	*	*	PUNCT
fsr-3217	199	263	12.20	12.20	NUM
fsr-3217	199	264	2.556	2.556	NUM
fsr-3217	199	265	$	$	SYM
fsr-3217	199	266	150,000	150,000	NUM
fsr-3217	199	267	or	or	CCONJ
fsr-3217	199	268	more	more	ADJ
fsr-3217	199	269	0.202	0.202	NUM
fsr-3217	199	270	*	*	PUNCT
fsr-3217	199	271	*	*	PUNCT
fsr-3217	199	272	*	*	PUNCT
fsr-3217	199	273	13.33	13.33	NUM
fsr-3217	199	274	1.404	1.404	NUM
fsr-3217	199	275	*	*	NOUN
fsr-3217	199	276	*	*	PUNCT
fsr-3217	199	277	*	*	PUNCT
fsr-3217	199	278	13.79	13.79	NUM
fsr-3217	199	279	4.071	4.071	NUM
fsr-3217	199	280	0.201	0.201	NUM
fsr-3217	199	281	*	*	PUNCT
fsr-3217	199	282	*	*	PUNCT
fsr-3217	199	283	*	*	PUNCT
fsr-3217	199	284	11.82	11.82	NUM
fsr-3217	199	285	1.043	1.043	NUM
fsr-3217	199	286	*	*	PUNCT
fsr-3217	199	287	*	*	PUNCT
fsr-3217	199	288	*	*	PUNCT
fsr-3217	199	289	12.30	12.30	NUM
fsr-3217	199	290	2.836	2.836	NUM
fsr-3217	199	291	employment	employment	NOUN
fsr-3217	199	292	(	(	PUNCT
fsr-3217	199	293	reference	reference	NOUN
fsr-3217	199	294	category	category	NOUN
fsr-3217	199	295	:	:	PUNCT
fsr-3217	199	296	self	self	NOUN
fsr-3217	199	297	-	-	PUNCT
fsr-3217	199	298	employed	employ	VERB
fsr-3217	199	299	)	)	PUNCT
fsr-3217	199	300	employed	employ	VERB
fsr-3217	199	301	full	full	ADJ
fsr-3217	199	302	-	-	PUNCT
fsr-3217	199	303	time	time	NOUN
fsr-3217	199	304	0.005	0.005	NUM
fsr-3217	199	305	0.40	0.40	NUM
fsr-3217	199	306	�	�	PROPN
fsr-3217	199	307	0.020	0.020	NUM
fsr-3217	199	308	�	�	NOUN
fsr-3217	199	309	0.32	0.32	NUM
fsr-3217	199	310	0.980	0.980	NUM
fsr-3217	199	311	�	�	NOUN
fsr-3217	199	312	0.064	0.064	NUM
fsr-3217	199	313	*	*	NOUN
fsr-3217	199	314	*	*	PUNCT
fsr-3217	199	315	*	*	PUNCT
fsr-3217	199	316	�	�	PROPN
fsr-3217	199	317	4.98	4.98	NUM
fsr-3217	199	318	�	�	PROPN
fsr-3217	199	319	0.291	0.291	NUM
fsr-3217	199	320	*	*	PUNCT
fsr-3217	199	321	*	*	PUNCT
fsr-3217	199	322	*	*	PUNCT
fsr-3217	199	323	�	�	PROPN
fsr-3217	199	324	5.23	5.23	NUM
fsr-3217	199	325	0.747	0.747	NUM
fsr-3217	199	326	employed	employ	VERB
fsr-3217	199	327	part	part	ADJ
fsr-3217	199	328	-	-	PUNCT
fsr-3217	199	329	time	time	NOUN
fsr-3217	199	330	�	�	PROPN
fsr-3217	199	331	0.025	0.025	NUM
fsr-3217	199	332	*	*	SYM
fsr-3217	199	333	�	�	PROPN
fsr-3217	199	334	1.85	1.85	NUM
fsr-3217	199	335	�	�	NOUN
fsr-3217	199	336	0.141	0.141	NUM
fsr-3217	199	337	*	*	SYM
fsr-3217	199	338	�	�	PROPN
fsr-3217	199	339	1.75	1.75	NUM
fsr-3217	199	340	0.868	0.868	NUM
fsr-3217	199	341	�	�	PROPN
fsr-3217	199	342	0.062	0.062	NUM
fsr-3217	199	343	*	*	NOUN
fsr-3217	199	344	*	*	PUNCT
fsr-3217	199	345	*	*	PUNCT
fsr-3217	199	346	�	�	PROPN
fsr-3217	199	347	4.01	4.01	NUM
fsr-3217	199	348	�	�	NOUN
fsr-3217	199	349	0.271	0.271	NUM
fsr-3217	199	350	*	*	PUNCT
fsr-3217	199	351	*	*	PUNCT
fsr-3217	199	352	*	*	PUNCT
fsr-3217	199	353	�	�	PROPN
fsr-3217	199	354	3.88	3.88	NUM
fsr-3217	199	355	0.763	0.763	NUM
fsr-3217	199	356	homemaker	homemaker	NOUN
fsr-3217	199	357	�	�	NOUN
fsr-3217	199	358	0.052	0.052	NUM
fsr-3217	199	359	*	*	NOUN
fsr-3217	199	360	*	*	PUNCT
fsr-3217	199	361	*	*	PROPN
fsr-3217	199	362	�	�	PROPN
fsr-3217	199	363	3.76	3.76	NUM
fsr-3217	199	364	�	�	NOUN
fsr-3217	199	365	0.319	0.319	NUM
fsr-3217	199	366	*	*	PUNCT
fsr-3217	199	367	*	*	PUNCT
fsr-3217	199	368	*	*	PUNCT
fsr-3217	199	369	�	�	PROPN
fsr-3217	199	370	3.86	3.86	NUM
fsr-3217	199	371	0.727	0.727	NUM
fsr-3217	199	372	�	�	PROPN
fsr-3217	199	373	0.111	0.111	NUM
fsr-3217	199	374	*	*	PUNCT
fsr-3217	199	375	*	*	PUNCT
fsr-3217	199	376	*	*	PUNCT
fsr-3217	199	377	�	�	PROPN
fsr-3217	199	378	7.09	7.09	NUM
fsr-3217	199	379	�	�	NOUN
fsr-3217	199	380	0.511	0.511	NUM
fsr-3217	199	381	*	*	PUNCT
fsr-3217	199	382	*	*	PUNCT
fsr-3217	199	383	*	*	PUNCT
fsr-3217	199	384	�	�	PROPN
fsr-3217	199	385	7.02	7.02	NUM
fsr-3217	199	386	0.600	0.600	NUM
fsr-3217	199	387	full	full	ADJ
fsr-3217	199	388	-	-	PUNCT
fsr-3217	199	389	time	time	NOUN
fsr-3217	199	390	student	student	NOUN
fsr-3217	199	391	�	�	PROPN
fsr-3217	199	392	0.079	0.079	NUM
fsr-3217	199	393	*	*	NOUN
fsr-3217	199	394	*	*	PUNCT
fsr-3217	199	395	*	*	PUNCT
fsr-3217	199	396	�	�	PROPN
fsr-3217	199	397	4.51	4.51	NUM
fsr-3217	199	398	�	�	NOUN
fsr-3217	199	399	0.491	0.491	NUM
fsr-3217	199	400	*	*	NOUN
fsr-3217	199	401	*	*	PUNCT
fsr-3217	199	402	*	*	PUNCT
fsr-3217	199	403	�	�	PROPN
fsr-3217	199	404	4.01	4.01	NUM
fsr-3217	199	405	0.612	0.612	NUM
fsr-3217	199	406	�	�	NOUN
fsr-3217	199	407	0.126	0.126	NUM
fsr-3217	199	408	*	*	PUNCT
fsr-3217	199	409	*	*	PUNCT
fsr-3217	199	410	*	*	PUNCT
fsr-3217	199	411	�	�	PROPN
fsr-3217	199	412	6.20	6.20	NUM
fsr-3217	199	413	�	�	NOUN
fsr-3217	199	414	0.581	0.581	NUM
fsr-3217	199	415	*	*	PUNCT
fsr-3217	199	416	*	*	PUNCT
fsr-3217	199	417	*	*	PUNCT
fsr-3217	199	418	�	�	PROPN
fsr-3217	199	419	5.65	5.65	NUM
fsr-3217	199	420	0.559	0.559	NUM
fsr-3217	199	421	disabled	disabled	ADJ
fsr-3217	199	422	�	�	NOUN
fsr-3217	199	423	0.040	0.040	NUM
fsr-3217	199	424	*	*	PUNCT
fsr-3217	199	425	*	*	PUNCT
fsr-3217	199	426	*	*	PUNCT
fsr-3217	199	427	�	�	PROPN
fsr-3217	199	428	2.80	2.80	NUM
fsr-3217	199	429	�	�	NOUN
fsr-3217	199	430	0.328	0.328	NUM
fsr-3217	199	431	*	*	PUNCT
fsr-3217	199	432	*	*	PUNCT
fsr-3217	199	433	*	*	PUNCT
fsr-3217	199	434	�	�	PROPN
fsr-3217	199	435	2.88	2.88	NUM
fsr-3217	199	436	0.720	0.720	NUM
fsr-3217	199	437	�	�	NOUN
fsr-3217	199	438	0.060	0.060	NUM
fsr-3217	199	439	*	*	PUNCT
fsr-3217	199	440	*	*	PUNCT
fsr-3217	199	441	*	*	PUNCT
fsr-3217	199	442	�	�	PROPN
fsr-3217	199	443	3.42	3.42	NUM
fsr-3217	199	444	�	�	PROPN
fsr-3217	199	445	0.261	0.261	NUM
fsr-3217	199	446	*	*	PUNCT
fsr-3217	199	447	*	*	PUNCT
fsr-3217	199	448	*	*	PUNCT
fsr-3217	199	449	�	�	X
fsr-3217	199	450	2.97	2.97	NUM
fsr-3217	199	451	0.770	0.770	NUM
fsr-3217	199	452	unemployed	unemployed	ADJ
fsr-3217	199	453	�	�	PROPN
fsr-3217	199	454	0.064	0.064	NUM
fsr-3217	199	455	*	*	NOUN
fsr-3217	199	456	*	*	PUNCT
fsr-3217	199	457	*	*	PUNCT
fsr-3217	199	458	�	�	PROPN
fsr-3217	199	459	4.87	4.87	NUM
fsr-3217	199	460	�	�	PROPN
fsr-3217	199	461	0.485	0.485	NUM
fsr-3217	199	462	*	*	SYM
fsr-3217	199	463	*	*	PUNCT
fsr-3217	199	464	*	*	PUNCT
fsr-3217	199	465	�	�	PROPN
fsr-3217	199	466	4.92	4.92	NUM
fsr-3217	199	467	0.615	0.615	NUM
fsr-3217	199	468	�	�	NOUN
fsr-3217	199	469	0.118	0.118	NUM
fsr-3217	199	470	*	*	PUNCT
fsr-3217	199	471	*	*	PUNCT
fsr-3217	199	472	*	*	PUNCT
fsr-3217	199	473	�	�	PROPN
fsr-3217	199	474	7.63	7.63	NUM
fsr-3217	199	475	�	�	NOUN
fsr-3217	199	476	0.592	0.592	NUM
fsr-3217	199	477	*	*	PUNCT
fsr-3217	199	478	*	*	PUNCT
fsr-3217	199	479	*	*	PUNCT
fsr-3217	199	480	�	�	PROPN
fsr-3217	199	481	7.40	7.40	NUM
fsr-3217	199	482	0.553	0.553	NUM
fsr-3217	199	483	retired	retired	ADJ
fsr-3217	199	484	�	�	PROPN
fsr-3217	199	485	0.037	0.037	NUM
fsr-3217	199	486	*	*	NOUN
fsr-3217	199	487	*	*	PUNCT
fsr-3217	199	488	*	*	PUNCT
fsr-3217	199	489	�	�	PROPN
fsr-3217	199	490	2.84	2.84	NUM
fsr-3217	199	491	�	�	NOUN
fsr-3217	199	492	0.254	0.254	NUM
fsr-3217	199	493	*	*	PUNCT
fsr-3217	199	494	*	*	PUNCT
fsr-3217	199	495	*	*	PUNCT
fsr-3217	199	496	�	�	PROPN
fsr-3217	199	497	3.21	3.21	NUM
fsr-3217	199	498	0.776	0.776	NUM
fsr-3217	199	499	�	�	NOUN
fsr-3217	199	500	0.073	0.073	NUM
fsr-3217	199	501	*	*	NOUN
fsr-3217	199	502	*	*	PUNCT
fsr-3217	199	503	*	*	PUNCT
fsr-3217	199	504	�	�	PROPN
fsr-3217	199	505	4.87	4.87	NUM
fsr-3217	199	506	�	�	NOUN
fsr-3217	199	507	0.331	0.331	NUM
fsr-3217	199	508	*	*	PUNCT
fsr-3217	199	509	*	*	PUNCT
fsr-3217	199	510	*	*	PUNCT
fsr-3217	199	511	�	�	PROPN
fsr-3217	199	512	4.91	4.91	NUM
fsr-3217	199	513	0.718	0.718	NUM
fsr-3217	199	514	region	region	NOUN
fsr-3217	199	515	(	(	PUNCT
fsr-3217	199	516	reference	reference	NOUN
fsr-3217	199	517	category	category	NOUN
fsr-3217	199	518	:	:	PUNCT
fsr-3217	199	519	northeast	northeast	ADJ
fsr-3217	199	520	)	)	PUNCT
fsr-3217	199	521	midwest	midwest	NOUN
fsr-3217	199	522	0.005	0.005	NUM
fsr-3217	199	523	0.64	0.64	NUM
fsr-3217	199	524	0.029	0.029	NUM
fsr-3217	199	525	0.54	0.54	NUM
fsr-3217	199	526	1.029	1.029	NUM
fsr-3217	199	527	0.027	0.027	NUM
fsr-3217	199	528	*	*	PUNCT
fsr-3217	199	529	*	*	PUNCT
fsr-3217	199	530	*	*	PUNCT
fsr-3217	199	531	2.82	2.82	NUM
fsr-3217	199	532	0.130	0.130	NUM
fsr-3217	199	533	*	*	PUNCT
fsr-3217	199	534	*	*	PUNCT
fsr-3217	199	535	*	*	PUNCT
fsr-3217	199	536	2.81	2.81	NUM
fsr-3217	199	537	1.139	1.139	NUM
fsr-3217	199	538	south	south	PROPN
fsr-3217	199	539	�	�	PROPN
fsr-3217	199	540	0.002	0.002	NUM
fsr-3217	199	541	�	�	PROPN
fsr-3217	199	542	0.22	0.22	NUM
fsr-3217	199	543	�	�	PROPN
fsr-3217	199	544	0.012	0.012	NUM
fsr-3217	199	545	�	�	NOUN
fsr-3217	199	546	0.24	0.24	NUM
fsr-3217	199	547	0.988	0.988	NUM
fsr-3217	199	548	0.003	0.003	NUM
fsr-3217	199	549	0.31	0.31	NUM
fsr-3217	199	550	0.013	0.013	NUM
fsr-3217	199	551	0.29	0.29	NUM
fsr-3217	199	552	1.013	1.013	NUM
fsr-3217	199	553	west	west	NOUN
fsr-3217	199	554	0.037	0.037	NUM
fsr-3217	199	555	*	*	PUNCT
fsr-3217	199	556	*	*	PUNCT
fsr-3217	199	557	*	*	PUNCT
fsr-3217	199	558	4.35	4.35	NUM
fsr-3217	199	559	0.223	0.223	NUM
fsr-3217	199	560	*	*	PUNCT
fsr-3217	199	561	*	*	PUNCT
fsr-3217	199	562	*	*	PUNCT
fsr-3217	199	563	4.32	4.32	NUM
fsr-3217	199	564	1.250	1.250	NUM
fsr-3217	199	565	0.028	0.028	NUM
fsr-3217	199	566	*	*	PUNCT
fsr-3217	199	567	*	*	PUNCT
fsr-3217	199	568	*	*	PUNCT
fsr-3217	199	569	2.93	2.93	NUM
fsr-3217	199	570	0.133	0.133	NUM
fsr-3217	199	571	*	*	PUNCT
fsr-3217	199	572	*	*	PUNCT
fsr-3217	199	573	*	*	PUNCT
fsr-3217	199	574	2.92	2.92	NUM
fsr-3217	199	575	1.143	1.143	NUM
fsr-3217	199	576	observations	observation	NOUN
fsr-3217	199	577	22,218	22,218	NUM
fsr-3217	199	578	22,218	22,218	NUM
fsr-3217	199	579	22,218	22,218	NUM
fsr-3217	199	580	22,218	22,218	NUM
fsr-3217	199	581	adjusted	adjust	VERB
fsr-3217	199	582	r2	r2	PROPN
fsr-3217	199	583	0.074	0.074	NUM
fsr-3217	199	584	0.051	0.051	NUM
fsr-3217	199	585	tax	tax	NOUN
fsr-3217	199	586	planning	planning	NOUN
fsr-3217	199	587	ols	ol	NOUN
fsr-3217	199	588	coefficient	coefficient	PROPN
fsr-3217	199	589	t	t	PROPN
fsr-3217	199	590	stat	stat	PROPN
fsr-3217	199	591	logit	logit	PROPN
fsr-3217	199	592	coefficient	coefficient	VERB
fsr-3217	199	593	z	z	NOUN
fsr-3217	199	594	-	-	PUNCT
fsr-3217	199	595	stat	stat	NOUN
fsr-3217	199	596	odds	odd	NOUN
fsr-3217	199	597	ratio	ratio	NOUN
fsr-3217	199	598	constant	constant	ADJ
fsr-3217	199	599	0.166	0.166	NUM
fsr-3217	199	600	*	*	PUNCT
fsr-3217	199	601	*	*	PUNCT
fsr-3217	199	602	*	*	X
fsr-3217	199	603	9.28	9.28	NUM
fsr-3217	199	604	�	�	NOUN
fsr-3217	199	605	2.110	2.110	NUM
fsr-3217	199	606	*	*	PUNCT
fsr-3217	199	607	*	*	PUNCT
fsr-3217	199	608	*	*	PUNCT
fsr-3217	199	609	�	�	PROPN
fsr-3217	199	610	13.34	13.34	NUM
fsr-3217	199	611	0.121	0.121	NUM
fsr-3217	199	612	financial	financial	ADJ
fsr-3217	199	613	education	education	NOUN
fsr-3217	199	614	0.063	0.063	NUM
fsr-3217	199	615	*	*	PUNCT
fsr-3217	199	616	*	*	PUNCT
fsr-3217	199	617	*	*	PUNCT
fsr-3217	199	618	9.11	9.11	NUM
fsr-3217	199	619	0.379	0.379	NUM
fsr-3217	199	620	*	*	PUNCT
fsr-3217	199	621	*	*	PUNCT
fsr-3217	199	622	*	*	PUNCT
fsr-3217	199	623	9.46	9.46	NUM
fsr-3217	199	624	1.461	1.461	NUM
fsr-3217	199	625	female	female	ADJ
fsr-3217	199	626	�	�	PROPN
fsr-3217	199	627	0.005	0.005	NUM
fsr-3217	199	628	�	�	PROPN
fsr-3217	199	629	0.83	0.83	NUM
fsr-3217	199	630	�	�	PROPN
fsr-3217	199	631	0.028	0.028	NUM
fsr-3217	199	632	�	�	PROPN
fsr-3217	199	633	0.75	0.75	NUM
fsr-3217	199	634	0.972	0.972	NUM
fsr-3217	199	635	age	age	NOUN
fsr-3217	199	636	group	group	NOUN
fsr-3217	199	637	(	(	PUNCT
fsr-3217	199	638	reference	reference	NOUN
fsr-3217	199	639	category	category	NOUN
fsr-3217	199	640	:	:	PUNCT
fsr-3217	199	641	18–24	18–24	NUM
fsr-3217	199	642	)	)	PUNCT
fsr-3217	199	643	25–34	25–34	NUM
fsr-3217	199	644	�	�	NOUN
fsr-3217	199	645	0.024	0.024	NUM
fsr-3217	199	646	*	*	PROPN
fsr-3217	199	647	*	*	PROPN
fsr-3217	199	648	�	�	PROPN
fsr-3217	199	649	2.15	2.15	NUM
fsr-3217	199	650	�	�	PROPN
fsr-3217	199	651	0.250	0.250	NUM
fsr-3217	199	652	*	*	PUNCT
fsr-3217	199	653	*	*	PUNCT
fsr-3217	199	654	*	*	PUNCT
fsr-3217	199	655	�	�	PROPN
fsr-3217	199	656	2.93	2.93	NUM
fsr-3217	199	657	0.779	0.779	NUM
fsr-3217	199	658	35–44	35–44	NUM
fsr-3217	199	659	�	�	NOUN
fsr-3217	199	660	0.073	0.073	NUM
fsr-3217	199	661	*	*	NOUN
fsr-3217	199	662	*	*	PUNCT
fsr-3217	199	663	*	*	PUNCT
fsr-3217	199	664	�	�	PROPN
fsr-3217	199	665	6.44	6.44	NUM
fsr-3217	199	666	�	�	NOUN
fsr-3217	199	667	0.595	0.595	NUM
fsr-3217	199	668	*	*	PUNCT
fsr-3217	199	669	*	*	PUNCT
fsr-3217	199	670	*	*	PUNCT
fsr-3217	199	671	�	�	PROPN
fsr-3217	199	672	6.76	6.76	NUM
fsr-3217	199	673	0.551	0.551	NUM
fsr-3217	199	674	45–54	45–54	NUM
fsr-3217	199	675	�	�	NOUN
fsr-3217	199	676	0.074	0.074	NUM
fsr-3217	199	677	*	*	PUNCT
fsr-3217	199	678	*	*	PUNCT
fsr-3217	199	679	*	*	PUNCT
fsr-3217	199	680	�	�	PROPN
fsr-3217	199	681	6.64	6.64	NUM
fsr-3217	199	682	�	�	NOUN
fsr-3217	199	683	0.599	0.599	NUM
fsr-3217	199	684	*	*	PUNCT
fsr-3217	199	685	*	*	PUNCT
fsr-3217	199	686	*	*	PUNCT
fsr-3217	199	687	�	�	PROPN
fsr-3217	199	688	6.95	6.95	NUM
fsr-3217	199	689	0.549	0.549	NUM
fsr-3217	199	690	55–64	55–64	NUM
fsr-3217	199	691	�	�	PROPN
fsr-3217	199	692	0.067	0.067	NUM
fsr-3217	199	693	*	*	NOUN
fsr-3217	199	694	*	*	PUNCT
fsr-3217	199	695	*	*	PUNCT
fsr-3217	199	696	�	�	PROPN
fsr-3217	199	697	5.76	5.76	NUM
fsr-3217	199	698	�	�	NOUN
fsr-3217	199	699	0.552	0.552	NUM
fsr-3217	199	700	*	*	PUNCT
fsr-3217	199	701	*	*	PUNCT
fsr-3217	199	702	*	*	PUNCT
fsr-3217	199	703	�	�	PROPN
fsr-3217	199	704	6.27	6.27	NUM
fsr-3217	199	705	0.576	0.576	NUM
fsr-3217	199	706	65	65	NUM
fsr-3217	199	707	�	�	PROPN
fsr-3217	199	708	�	�	PROPN
fsr-3217	199	709	0.036	0.036	NUM
fsr-3217	199	710	*	*	PUNCT
fsr-3217	199	711	*	*	PUNCT
fsr-3217	199	712	*	*	PUNCT
fsr-3217	199	713	�	�	PROPN
fsr-3217	199	714	2.61	2.61	NUM
fsr-3217	199	715	�	�	NOUN
fsr-3217	199	716	0.371	0.371	NUM
fsr-3217	199	717	*	*	PUNCT
fsr-3217	199	718	*	*	PUNCT
fsr-3217	199	719	*	*	PUNCT
fsr-3217	199	720	�	�	PROPN
fsr-3217	199	721	3.84	3.84	NUM
fsr-3217	199	722	0.690	0.690	NUM
fsr-3217	199	723	black	black	ADJ
fsr-3217	199	724	(	(	PUNCT
fsr-3217	199	725	non	non	ADJ
fsr-3217	199	726	-	-	ADJ
fsr-3217	199	727	hispanic	hispanic	ADJ
fsr-3217	199	728	)	)	PUNCT
fsr-3217	199	729	0.005	0.005	NUM
fsr-3217	199	730	0.80	0.80	NUM
fsr-3217	199	731	0.036	0.036	NUM
fsr-3217	199	732	0.83	0.83	NUM
fsr-3217	199	733	1.037	1.037	NUM
fsr-3217	199	734	education	education	NOUN
fsr-3217	199	735	(	(	PUNCT
fsr-3217	199	736	reference	reference	NOUN
fsr-3217	199	737	category	category	NOUN
fsr-3217	199	738	:	:	PUNCT
fsr-3217	199	739	did	do	AUX
fsr-3217	199	740	not	not	PART
fsr-3217	199	741	complete	complete	VERB
fsr-3217	199	742	high	high	ADJ
fsr-3217	199	743	school	school	NOUN
fsr-3217	199	744	)	)	PUNCT
fsr-3217	199	745	high	high	ADJ
fsr-3217	199	746	school	school	NOUN
fsr-3217	199	747	0.007	0.007	NUM
fsr-3217	199	748	0.83	0.83	NUM
fsr-3217	199	749	0.193	0.193	NUM
fsr-3217	199	750	*	*	PUNCT
fsr-3217	199	751	1.76	1.76	NUM
fsr-3217	199	752	1.212	1.212	NUM
fsr-3217	199	753	ged	ge	VERB
fsr-3217	199	754	�	�	PROPN
fsr-3217	199	755	0.002	0.002	NUM
fsr-3217	199	756	�	�	PROPN
fsr-3217	199	757	0.20	0.20	NUM
fsr-3217	199	758	0.073	0.073	NUM
fsr-3217	199	759	0.56	0.56	NUM
fsr-3217	199	760	1.076	1.076	NUM
fsr-3217	199	761	some	some	DET
fsr-3217	199	762	college	college	NOUN
fsr-3217	199	763	0.035	0.035	NUM
fsr-3217	199	764	*	*	PUNCT
fsr-3217	199	765	*	*	PUNCT
fsr-3217	199	766	*	*	PUNCT
fsr-3217	199	767	4.05	4.05	NUM
fsr-3217	199	768	0.431	0.431	NUM
fsr-3217	199	769	*	*	PUNCT
fsr-3217	199	770	*	*	PUNCT
fsr-3217	199	771	*	*	PUNCT
fsr-3217	199	772	4.10	4.10	NUM
fsr-3217	199	773	1.539	1.539	NUM
fsr-3217	199	774	college	college	NOUN
fsr-3217	199	775	graduate	graduate	NOUN
fsr-3217	199	776	0.069	0.069	NUM
fsr-3217	199	777	*	*	PUNCT
fsr-3217	199	778	*	*	PUNCT
fsr-3217	199	779	*	*	PUNCT
fsr-3217	199	780	6.79	6.79	NUM
fsr-3217	199	781	0.637	0.637	NUM
fsr-3217	199	782	*	*	PUNCT
fsr-3217	199	783	*	*	PUNCT
fsr-3217	199	784	*	*	PUNCT
fsr-3217	199	785	5.87	5.87	NUM
fsr-3217	199	786	1.891	1.891	NUM
fsr-3217	199	787	post	post	ADJ
fsr-3217	199	788	-	-	ADJ
fsr-3217	199	789	graduate	graduate	ADJ
fsr-3217	199	790	0.111	0.111	NUM
fsr-3217	199	791	*	*	PUNCT
fsr-3217	199	792	*	*	PUNCT
fsr-3217	199	793	*	*	PUNCT
fsr-3217	199	794	8.94	8.94	NUM
fsr-3217	199	795	0.815	0.815	NUM
fsr-3217	199	796	*	*	PUNCT
fsr-3217	199	797	*	*	PUNCT
fsr-3217	199	798	*	*	PUNCT
fsr-3217	199	799	7.24	7.24	NUM
fsr-3217	199	800	2.259	2.259	NUM
fsr-3217	199	801	marital	marital	ADJ
fsr-3217	199	802	status	status	NOUN
fsr-3217	199	803	(	(	PUNCT
fsr-3217	199	804	reference	reference	NOUN
fsr-3217	199	805	category	category	NOUN
fsr-3217	199	806	:	:	PUNCT
fsr-3217	199	807	married	married	ADJ
fsr-3217	199	808	)	)	PUNCT
fsr-3217	199	809	living	live	VERB
fsr-3217	199	810	-	-	PUNCT
fsr-3217	199	811	with	with	ADP
fsr-3217	199	812	-	-	PUNCT
fsr-3217	199	813	partner	partner	NOUN
fsr-3217	199	814	�	�	PROPN
fsr-3217	199	815	0.038	0.038	NUM
fsr-3217	199	816	*	*	PUNCT
fsr-3217	199	817	*	*	PUNCT
fsr-3217	199	818	*	*	PUNCT
fsr-3217	199	819	�	�	PROPN
fsr-3217	199	820	4.03	4.03	NUM
fsr-3217	199	821	�	�	NOUN
fsr-3217	199	822	0.300	0.300	NUM
fsr-3217	199	823	*	*	NOUN
fsr-3217	199	824	*	*	PUNCT
fsr-3217	199	825	*	*	PUNCT
fsr-3217	199	826	�	�	PROPN
fsr-3217	199	827	3.89	3.89	NUM
fsr-3217	199	828	0.740	0.740	NUM
fsr-3217	199	829	single	single	ADJ
fsr-3217	199	830	�	�	PROPN
fsr-3217	199	831	0.020	0.020	NUM
fsr-3217	199	832	*	*	PUNCT
fsr-3217	199	833	*	*	PUNCT
fsr-3217	199	834	*	*	PUNCT
fsr-3217	199	835	�	�	PROPN
fsr-3217	199	836	3.19	3.19	NUM
fsr-3217	199	837	�	�	NOUN
fsr-3217	199	838	0.139	0.139	NUM
fsr-3217	199	839	*	*	PUNCT
fsr-3217	199	840	*	*	PUNCT
fsr-3217	199	841	*	*	PUNCT
fsr-3217	199	842	�	�	PROPN
fsr-3217	199	843	3.02	3.02	NUM
fsr-3217	199	844	0.870	0.870	NUM
fsr-3217	199	845	income	income	NOUN
fsr-3217	199	846	(	(	PUNCT
fsr-3217	199	847	reference	reference	NOUN
fsr-3217	199	848	category	category	NOUN
fsr-3217	199	849	:	:	PUNCT
fsr-3217	199	850	less	less	ADJ
fsr-3217	199	851	than	than	ADP
fsr-3217	199	852	$	$	SYM
fsr-3217	199	853	15,000	15,000	NUM
fsr-3217	199	854	)	)	PUNCT
fsr-3217	199	855	$	$	SYM
fsr-3217	199	856	15,000	15,000	NUM
fsr-3217	199	857	$	$	SYM
fsr-3217	199	858	24,999	24,999	NUM
fsr-3217	199	859	0.026	0.026	NUM
fsr-3217	199	860	*	*	PUNCT
fsr-3217	199	861	*	*	PUNCT
fsr-3217	199	862	*	*	PUNCT
fsr-3217	199	863	3.31	3.31	NUM
fsr-3217	199	864	0.382	0.382	NUM
fsr-3217	199	865	*	*	PUNCT
fsr-3217	199	866	*	*	PUNCT
fsr-3217	199	867	*	*	PUNCT
fsr-3217	199	868	3.63	3.63	NUM
fsr-3217	199	869	1.465	1.465	NUM
fsr-3217	199	870	$	$	SYM
fsr-3217	199	871	25,000	25,000	NUM
fsr-3217	199	872	$	$	SYM
fsr-3217	199	873	34,999	34,999	NUM
fsr-3217	199	874	0.055	0.055	NUM
fsr-3217	199	875	*	*	PUNCT
fsr-3217	199	876	*	*	PUNCT
fsr-3217	199	877	*	*	PUNCT
fsr-3217	199	878	6.17	6.17	NUM
fsr-3217	199	879	0.688	0.688	NUM
fsr-3217	199	880	*	*	PUNCT
fsr-3217	199	881	*	*	PUNCT
fsr-3217	199	882	*	*	PUNCT
fsr-3217	199	883	6.74	6.74	NUM
fsr-3217	199	884	1.990	1.990	NUM
fsr-3217	199	885	$	$	SYM
fsr-3217	199	886	35,000	35,000	NUM
fsr-3217	199	887	$	$	SYM
fsr-3217	199	888	49,999	49,999	NUM
fsr-3217	199	889	0.080	0.080	NUM
fsr-3217	199	890	*	*	PUNCT
fsr-3217	199	891	*	*	PUNCT
fsr-3217	199	892	*	*	PUNCT
fsr-3217	199	893	8.84	8.84	NUM
fsr-3217	199	894	0.898	0.898	NUM
fsr-3217	199	895	*	*	PUNCT
fsr-3217	199	896	*	*	PUNCT
fsr-3217	199	897	*	*	PUNCT
fsr-3217	199	898	9.21	9.21	NUM
fsr-3217	199	899	2.455	2.455	NUM
fsr-3217	199	900	140	140	NUM
fsr-3217	199	901	b.	b.	PROPN
fsr-3217	199	902	balasubramnian	balasubramnian	PROPN
fsr-3217	199	903	,	,	PUNCT
fsr-3217	199	904	e.r	e.r	PROPN
fsr-3217	199	905	.	.	NOUN
fsr-3217	199	906	brisker	brisk	ADJ
fsr-3217	199	907	/	/	SYM
fsr-3217	199	908	financial	financial	ADJ
fsr-3217	199	909	services	service	NOUN
fsr-3217	199	910	review	review	VERB
fsr-3217	199	911	25	25	NUM
fsr-3217	199	912	(	(	PUNCT
fsr-3217	199	913	2016	2016	NUM
fsr-3217	199	914	)	)	PUNCT
fsr-3217	200	1	127–155	127–155	NUM
fsr-3217	200	2	a	a	DET
fsr-3217	200	3	financial	financial	ADJ
fsr-3217	200	4	education	education	NOUN
fsr-3217	200	5	.	.	PUNCT
fsr-3217	201	1	females	female	NOUN
fsr-3217	201	2	are	be	AUX
fsr-3217	201	3	12	12	NUM
fsr-3217	201	4	%	%	NOUN
fsr-3217	201	5	more	more	ADV
fsr-3217	201	6	likely	likely	ADJ
fsr-3217	201	7	to	to	PART
fsr-3217	201	8	use	use	VERB
fsr-3217	201	9	insurance	insurance	NOUN
fsr-3217	201	10	advisers	adviser	NOUN
fsr-3217	201	11	,	,	PUNCT
fsr-3217	201	12	but	but	CCONJ
fsr-3217	201	13	we	we	PRON
fsr-3217	201	14	find	find	VERB
fsr-3217	201	15	no	no	DET
fsr-3217	201	16	other	other	ADJ
fsr-3217	201	17	significant	significant	ADJ
fsr-3217	201	18	difference	difference	NOUN
fsr-3217	201	19	related	relate	VERB
fsr-3217	201	20	to	to	ADP
fsr-3217	201	21	gender	gender	NOUN
fsr-3217	201	22	in	in	ADP
fsr-3217	201	23	using	use	VERB
fsr-3217	201	24	the	the	DET
fsr-3217	201	25	other	other	ADJ
fsr-3217	201	26	financial	financial	ADJ
fsr-3217	201	27	adviser	adviser	NOUN
fsr-3217	201	28	types	type	NOUN
fsr-3217	201	29	.	.	PUNCT
fsr-3217	202	1	those	those	PRON
fsr-3217	202	2	that	that	PRON
fsr-3217	202	3	are	be	AUX
fsr-3217	202	4	black	black	ADJ
fsr-3217	202	5	(	(	PUNCT
fsr-3217	202	6	non	non	ADJ
fsr-3217	202	7	-	-	ADJ
fsr-3217	202	8	hispanic	hispanic	ADJ
fsr-3217	202	9	)	)	PUNCT
fsr-3217	202	10	are	be	AUX
fsr-3217	202	11	38	38	NUM
fsr-3217	202	12	%	%	NOUN
fsr-3217	202	13	more	more	ADV
fsr-3217	202	14	likely	likely	ADJ
fsr-3217	202	15	to	to	PART
fsr-3217	202	16	use	use	VERB
fsr-3217	202	17	debt	debt	NOUN
fsr-3217	202	18	counseling	counseling	NOUN
fsr-3217	202	19	advisers	adviser	NOUN
fsr-3217	202	20	,	,	PUNCT
fsr-3217	202	21	but	but	CCONJ
fsr-3217	202	22	15	15	NUM
fsr-3217	202	23	%	%	NOUN
fsr-3217	202	24	less	less	ADV
fsr-3217	202	25	likely	likely	ADJ
fsr-3217	202	26	to	to	PART
fsr-3217	202	27	use	use	VERB
fsr-3217	202	28	mortgage	mortgage	NOUN
fsr-3217	202	29	or	or	CCONJ
fsr-3217	202	30	loan	loan	NOUN
fsr-3217	202	31	advisers	adviser	NOUN
fsr-3217	202	32	.	.	PUNCT
fsr-3217	203	1	we	we	PRON
fsr-3217	203	2	find	find	VERB
fsr-3217	203	3	a	a	DET
fsr-3217	203	4	monotonically	monotonically	ADV
fsr-3217	203	5	decreasing	decrease	VERB
fsr-3217	203	6	probability	probability	NOUN
fsr-3217	203	7	of	of	ADP
fsr-3217	203	8	using	use	VERB
fsr-3217	203	9	debt	debt	NOUN
fsr-3217	203	10	counseling	counseling	NOUN
fsr-3217	203	11	and	and	CCONJ
fsr-3217	203	12	mortgage	mortgage	NOUN
fsr-3217	203	13	or	or	CCONJ
fsr-3217	203	14	loan	loan	NOUN
fsr-3217	203	15	advisers	adviser	NOUN
fsr-3217	203	16	across	across	ADP
fsr-3217	203	17	higher	high	ADJ
fsr-3217	203	18	age	age	NOUN
fsr-3217	203	19	groups	group	NOUN
fsr-3217	203	20	,	,	PUNCT
fsr-3217	203	21	but	but	CCONJ
fsr-3217	203	22	all	all	DET
fsr-3217	203	23	other	other	ADJ
fsr-3217	203	24	results	result	NOUN
fsr-3217	203	25	related	relate	VERB
fsr-3217	203	26	to	to	ADP
fsr-3217	203	27	age	age	NOUN
fsr-3217	203	28	group	group	NOUN
fsr-3217	203	29	are	be	AUX
fsr-3217	203	30	mixed	mixed	ADJ
fsr-3217	203	31	.	.	PUNCT
fsr-3217	204	1	we	we	PRON
fsr-3217	204	2	find	find	VERB
fsr-3217	204	3	a	a	DET
fsr-3217	204	4	monotonically	monotonically	ADV
fsr-3217	204	5	increasing	increase	VERB
fsr-3217	204	6	probability	probability	NOUN
fsr-3217	204	7	of	of	ADP
fsr-3217	204	8	using	use	VERB
fsr-3217	204	9	savings	saving	NOUN
fsr-3217	204	10	or	or	CCONJ
fsr-3217	204	11	investments	investment	NOUN
fsr-3217	204	12	and	and	CCONJ
fsr-3217	204	13	mortgage	mortgage	NOUN
fsr-3217	204	14	or	or	CCONJ
fsr-3217	204	15	loan	loan	NOUN
fsr-3217	204	16	advisers	adviser	NOUN
fsr-3217	204	17	across	across	ADP
fsr-3217	204	18	higher	high	ADJ
fsr-3217	204	19	education	education	NOUN
fsr-3217	204	20	levels	level	NOUN
fsr-3217	204	21	,	,	PUNCT
fsr-3217	204	22	while	while	SCONJ
fsr-3217	204	23	those	those	PRON
fsr-3217	204	24	having	have	VERB
fsr-3217	204	25	some	some	DET
fsr-3217	204	26	college	college	NOUN
fsr-3217	204	27	or	or	CCONJ
fsr-3217	204	28	higher	high	ADJ
fsr-3217	204	29	are	be	AUX
fsr-3217	204	30	far	far	ADV
fsr-3217	204	31	more	more	ADV
fsr-3217	204	32	likely	likely	ADJ
fsr-3217	204	33	to	to	PART
fsr-3217	204	34	use	use	VERB
fsr-3217	204	35	insurance	insurance	NOUN
fsr-3217	204	36	and	and	CCONJ
fsr-3217	204	37	tax	tax	NOUN
fsr-3217	204	38	planning	planning	NOUN
fsr-3217	204	39	advisers	adviser	NOUN
fsr-3217	204	40	.	.	PUNCT
fsr-3217	205	1	for	for	ADP
fsr-3217	205	2	marital	marital	ADJ
fsr-3217	205	3	status	status	NOUN
fsr-3217	205	4	,	,	PUNCT
fsr-3217	205	5	we	we	PRON
fsr-3217	205	6	find	find	VERB
fsr-3217	205	7	that	that	SCONJ
fsr-3217	205	8	those	those	PRON
fsr-3217	205	9	that	that	PRON
fsr-3217	205	10	are	be	AUX
fsr-3217	205	11	married	married	ADJ
fsr-3217	205	12	are	be	AUX
fsr-3217	205	13	12	12	NUM
fsr-3217	205	14	%	%	NOUN
fsr-3217	205	15	to	to	PART
fsr-3217	205	16	30	30	NUM
fsr-3217	205	17	%	%	NOUN
fsr-3217	205	18	more	more	ADV
fsr-3217	205	19	likely	likely	ADJ
fsr-3217	205	20	to	to	PART
fsr-3217	205	21	use	use	VERB
fsr-3217	205	22	mortgage	mortgage	NOUN
fsr-3217	205	23	or	or	CCONJ
fsr-3217	205	24	loan	loan	NOUN
fsr-3217	205	25	advisers	adviser	NOUN
fsr-3217	205	26	,	,	PUNCT
fsr-3217	205	27	11	11	NUM
fsr-3217	205	28	%	%	NOUN
fsr-3217	205	29	to	to	PART
fsr-3217	205	30	17	17	NUM
fsr-3217	205	31	%	%	NOUN
fsr-3217	205	32	more	more	ADV
fsr-3217	205	33	likely	likely	ADJ
fsr-3217	205	34	to	to	PART
fsr-3217	205	35	use	use	VERB
fsr-3217	205	36	insurance	insurance	NOUN
fsr-3217	205	37	advisers	adviser	NOUN
fsr-3217	205	38	,	,	PUNCT
fsr-3217	205	39	and	and	CCONJ
fsr-3217	205	40	13	13	NUM
fsr-3217	205	41	%	%	NOUN
fsr-3217	205	42	to	to	PART
fsr-3217	205	43	26	26	NUM
fsr-3217	205	44	%	%	NOUN
fsr-3217	205	45	more	more	ADV
fsr-3217	205	46	likely	likely	ADJ
fsr-3217	205	47	to	to	PART
fsr-3217	205	48	use	use	VERB
fsr-3217	205	49	tax	tax	NOUN
fsr-3217	205	50	planning	planning	NOUN
fsr-3217	205	51	advisers	adviser	NOUN
fsr-3217	205	52	compared	compare	VERB
fsr-3217	205	53	with	with	ADP
fsr-3217	205	54	those	those	PRON
fsr-3217	205	55	that	that	PRON
fsr-3217	205	56	are	be	AUX
fsr-3217	205	57	single	single	ADJ
fsr-3217	205	58	or	or	CCONJ
fsr-3217	205	59	“	"	PUNCT
fsr-3217	205	60	living	live	VERB
fsr-3217	205	61	-	-	PUNCT
fsr-3217	205	62	withpartner	withpartner	NOUN
fsr-3217	205	63	.	.	PUNCT
fsr-3217	205	64	”	"	PUNCT
fsr-3217	206	1	we	we	PRON
fsr-3217	206	2	find	find	VERB
fsr-3217	206	3	a	a	DET
fsr-3217	206	4	nearly	nearly	ADV
fsr-3217	206	5	monotonic	monotonic	ADJ
fsr-3217	206	6	decreasing	decrease	VERB
fsr-3217	206	7	probability	probability	NOUN
fsr-3217	206	8	of	of	ADP
fsr-3217	206	9	using	use	VERB
fsr-3217	206	10	debt	debt	NOUN
fsr-3217	206	11	counseling	counseling	NOUN
fsr-3217	206	12	advisers	adviser	NOUN
fsr-3217	206	13	across	across	ADP
fsr-3217	206	14	higher	high	ADJ
fsr-3217	206	15	income	income	NOUN
fsr-3217	206	16	levels	level	NOUN
fsr-3217	206	17	,	,	PUNCT
fsr-3217	206	18	but	but	CCONJ
fsr-3217	206	19	a	a	DET
fsr-3217	206	20	monotonically	monotonically	ADV
fsr-3217	206	21	increasing	increase	VERB
fsr-3217	206	22	probability	probability	NOUN
fsr-3217	206	23	of	of	ADP
fsr-3217	206	24	using	use	VERB
fsr-3217	206	25	savings	saving	NOUN
fsr-3217	206	26	or	or	CCONJ
fsr-3217	206	27	investments	investment	NOUN
fsr-3217	206	28	,	,	PUNCT
fsr-3217	206	29	mortgage	mortgage	NOUN
fsr-3217	206	30	or	or	CCONJ
fsr-3217	206	31	loan	loan	NOUN
fsr-3217	206	32	,	,	PUNCT
fsr-3217	206	33	insurance	insurance	NOUN
fsr-3217	206	34	,	,	PUNCT
fsr-3217	206	35	and	and	CCONJ
fsr-3217	206	36	tax	tax	NOUN
fsr-3217	206	37	planning	planning	NOUN
fsr-3217	206	38	advisers	adviser	NOUN
fsr-3217	206	39	across	across	ADP
fsr-3217	206	40	higher	high	ADJ
fsr-3217	206	41	income	income	NOUN
fsr-3217	206	42	levels	level	NOUN
fsr-3217	206	43	.	.	PUNCT
fsr-3217	207	1	for	for	ADP
fsr-3217	207	2	employment	employment	NOUN
fsr-3217	207	3	,	,	PUNCT
fsr-3217	207	4	those	those	PRON
fsr-3217	207	5	that	that	PRON
fsr-3217	207	6	are	be	AUX
fsr-3217	207	7	self	self	NOUN
fsr-3217	207	8	-	-	PUNCT
fsr-3217	207	9	employed	employ	VERB
fsr-3217	207	10	are	be	AUX
fsr-3217	207	11	more	more	ADV
fsr-3217	207	12	likely	likely	ADJ
fsr-3217	207	13	to	to	PART
fsr-3217	207	14	use	use	VERB
fsr-3217	207	15	any	any	PRON
fsr-3217	207	16	of	of	ADP
fsr-3217	207	17	the	the	DET
fsr-3217	207	18	financial	financial	ADJ
fsr-3217	207	19	adviser	adviser	NOUN
fsr-3217	207	20	types	type	NOUN
fsr-3217	207	21	compared	compare	VERB
fsr-3217	207	22	with	with	ADP
fsr-3217	207	23	the	the	DET
fsr-3217	207	24	other	other	ADJ
fsr-3217	207	25	employment	employment	NOUN
fsr-3217	207	26	groups	group	NOUN
fsr-3217	207	27	.	.	PUNCT
fsr-3217	208	1	for	for	ADP
fsr-3217	208	2	table	table	NOUN
fsr-3217	208	3	4	4	NUM
fsr-3217	208	4	(	(	PUNCT
fsr-3217	208	5	continued	continued	ADJ
fsr-3217	208	6	)	)	PUNCT
fsr-3217	208	7	tax	tax	NOUN
fsr-3217	208	8	planning	planning	NOUN
fsr-3217	208	9	ols	ol	NOUN
fsr-3217	208	10	coefficient	coefficient	PROPN
fsr-3217	208	11	t	t	PROPN
fsr-3217	208	12	stat	stat	PROPN
fsr-3217	208	13	logit	logit	PROPN
fsr-3217	208	14	coefficient	coefficient	VERB
fsr-3217	208	15	z	z	NOUN
fsr-3217	208	16	-	-	PUNCT
fsr-3217	208	17	stat	stat	NOUN
fsr-3217	208	18	odds	odd	NOUN
fsr-3217	208	19	ratio	ratio	VERB
fsr-3217	208	20	$	$	SYM
fsr-3217	208	21	50,000	50,000	NUM
fsr-3217	208	22	$	$	SYM
fsr-3217	208	23	74,999	74,999	NUM
fsr-3217	208	24	0.120	0.120	NUM
fsr-3217	208	25	*	*	PUNCT
fsr-3217	208	26	*	*	PUNCT
fsr-3217	208	27	*	*	PUNCT
fsr-3217	208	28	12.90	12.90	NUM
fsr-3217	208	29	1.164	1.164	NUM
fsr-3217	208	30	*	*	PUNCT
fsr-3217	208	31	*	*	PUNCT
fsr-3217	208	32	*	*	X
fsr-3217	208	33	12.30	12.30	NUM
fsr-3217	208	34	3.202	3.202	NUM
fsr-3217	208	35	$	$	SYM
fsr-3217	208	36	75,000	75,000	NUM
fsr-3217	208	37	$	$	SYM
fsr-3217	208	38	99,999	99,999	NUM
fsr-3217	208	39	0.163	0.163	NUM
fsr-3217	208	40	*	*	PUNCT
fsr-3217	208	41	*	*	PUNCT
fsr-3217	208	42	*	*	PUNCT
fsr-3217	208	43	14.39	14.39	NUM
fsr-3217	208	44	1.401	1.401	NUM
fsr-3217	208	45	*	*	PUNCT
fsr-3217	208	46	*	*	PUNCT
fsr-3217	208	47	*	*	PUNCT
fsr-3217	208	48	14.04	14.04	NUM
fsr-3217	208	49	4.060	4.060	NUM
fsr-3217	208	50	$	$	SYM
fsr-3217	208	51	100,000	100,000	NUM
fsr-3217	208	52	$	$	SYM
fsr-3217	208	53	149,999	149,999	NUM
fsr-3217	208	54	0.214	0.214	NUM
fsr-3217	208	55	*	*	PUNCT
fsr-3217	208	56	*	*	PUNCT
fsr-3217	208	57	*	*	PUNCT
fsr-3217	208	58	17.35	17.35	NUM
fsr-3217	208	59	1.650	1.650	NUM
fsr-3217	208	60	*	*	PUNCT
fsr-3217	208	61	*	*	PUNCT
fsr-3217	208	62	*	*	PUNCT
fsr-3217	208	63	16.26	16.26	NUM
fsr-3217	208	64	5.205	5.205	NUM
fsr-3217	208	65	$	$	SYM
fsr-3217	208	66	150,000	150,000	NUM
fsr-3217	208	67	or	or	CCONJ
fsr-3217	208	68	more	more	ADJ
fsr-3217	208	69	0.307	0.307	NUM
fsr-3217	208	70	*	*	PUNCT
fsr-3217	208	71	*	*	PUNCT
fsr-3217	208	72	*	*	PUNCT
fsr-3217	208	73	20.13	20.13	NUM
fsr-3217	208	74	2.041	2.041	NUM
fsr-3217	208	75	*	*	PUNCT
fsr-3217	208	76	*	*	PUNCT
fsr-3217	209	1	*	*	X
fsr-3217	209	2	19.10	19.10	NUM
fsr-3217	209	3	7.698	7.698	NUM
fsr-3217	209	4	employment	employment	NOUN
fsr-3217	209	5	(	(	PUNCT
fsr-3217	209	6	reference	reference	NOUN
fsr-3217	209	7	category	category	NOUN
fsr-3217	209	8	:	:	PUNCT
fsr-3217	209	9	self	self	NOUN
fsr-3217	209	10	-	-	PUNCT
fsr-3217	209	11	employed	employ	VERB
fsr-3217	209	12	)	)	PUNCT
fsr-3217	209	13	employed	employ	VERB
fsr-3217	209	14	full	full	ADJ
fsr-3217	209	15	-	-	PUNCT
fsr-3217	209	16	time	time	NOUN
fsr-3217	209	17	�	�	PROPN
fsr-3217	209	18	0.095	0.095	NUM
fsr-3217	209	19	*	*	PUNCT
fsr-3217	209	20	*	*	PUNCT
fsr-3217	209	21	*	*	PUNCT
fsr-3217	209	22	�	�	PROPN
fsr-3217	209	23	8.41	8.41	NUM
fsr-3217	209	24	�	�	NOUN
fsr-3217	209	25	0.583	0.583	NUM
fsr-3217	209	26	*	*	NOUN
fsr-3217	209	27	*	*	PUNCT
fsr-3217	209	28	*	*	PUNCT
fsr-3217	209	29	�	�	PROPN
fsr-3217	209	30	9.15	9.15	NUM
fsr-3217	209	31	0.558	0.558	NUM
fsr-3217	209	32	employed	employ	VERB
fsr-3217	209	33	part	part	ADJ
fsr-3217	209	34	-	-	PUNCT
fsr-3217	209	35	time	time	NOUN
fsr-3217	209	36	�	�	PROPN
fsr-3217	209	37	0.049	0.049	NUM
fsr-3217	209	38	*	*	NOUN
fsr-3217	209	39	*	*	PUNCT
fsr-3217	209	40	*	*	PUNCT
fsr-3217	209	41	�	�	PROPN
fsr-3217	209	42	3.65	3.65	NUM
fsr-3217	209	43	�	�	NOUN
fsr-3217	209	44	0.264	0.264	NOUN
fsr-3217	209	45	*	*	PUNCT
fsr-3217	209	46	*	*	PUNCT
fsr-3217	209	47	*	*	PUNCT
fsr-3217	209	48	�	�	PROPN
fsr-3217	209	49	3.25	3.25	NUM
fsr-3217	209	50	0.768	0.768	NUM
fsr-3217	209	51	homemaker	homemaker	NOUN
fsr-3217	209	52	�	�	NOUN
fsr-3217	209	53	0.084	0.084	NUM
fsr-3217	209	54	*	*	PUNCT
fsr-3217	209	55	*	*	PUNCT
fsr-3217	209	56	*	*	PUNCT
fsr-3217	209	57	�	�	PROPN
fsr-3217	209	58	6.28	6.28	NUM
fsr-3217	209	59	�	�	NOUN
fsr-3217	209	60	0.528	0.528	NUM
fsr-3217	209	61	*	*	PUNCT
fsr-3217	209	62	*	*	PUNCT
fsr-3217	209	63	*	*	PUNCT
fsr-3217	209	64	�	�	NUM
fsr-3217	209	65	6.10	6.10	NUM
fsr-3217	209	66	0.590	0.590	NUM
fsr-3217	209	67	full	full	ADJ
fsr-3217	209	68	-	-	PUNCT
fsr-3217	209	69	time	time	NOUN
fsr-3217	209	70	student	student	NOUN
fsr-3217	209	71	�	�	NOUN
fsr-3217	209	72	0.121	0.121	NUM
fsr-3217	209	73	*	*	PUNCT
fsr-3217	209	74	*	*	PUNCT
fsr-3217	209	75	*	*	PUNCT
fsr-3217	209	76	�	�	PROPN
fsr-3217	209	77	7.00	7.00	NUM
fsr-3217	209	78	�	�	NOUN
fsr-3217	209	79	0.798	0.798	NUM
fsr-3217	209	80	*	*	PUNCT
fsr-3217	209	81	*	*	PUNCT
fsr-3217	209	82	*	*	PUNCT
fsr-3217	209	83	�	�	PROPN
fsr-3217	209	84	5.99	5.99	NUM
fsr-3217	209	85	0.450	0.450	NUM
fsr-3217	209	86	disabled	disabled	ADJ
fsr-3217	209	87	�	�	NOUN
fsr-3217	209	88	0.098	0.098	NUM
fsr-3217	209	89	*	*	PUNCT
fsr-3217	209	90	*	*	PUNCT
fsr-3217	209	91	*	*	PUNCT
fsr-3217	209	92	�	�	PROPN
fsr-3217	209	93	7.55	7.55	NUM
fsr-3217	209	94	�	�	NOUN
fsr-3217	209	95	0.871	0.871	NUM
fsr-3217	209	96	*	*	PUNCT
fsr-3217	209	97	*	*	PUNCT
fsr-3217	209	98	*	*	PUNCT
fsr-3217	209	99	�	�	PROPN
fsr-3217	209	100	6.59	6.59	NUM
fsr-3217	209	101	0.419	0.419	NUM
fsr-3217	209	102	unemployed	unemployed	ADJ
fsr-3217	209	103	�	�	PROPN
fsr-3217	209	104	0.084	0.084	NUM
fsr-3217	209	105	*	*	PUNCT
fsr-3217	209	106	*	*	PUNCT
fsr-3217	209	107	*	*	PUNCT
fsr-3217	209	108	�	�	PROPN
fsr-3217	209	109	6.51	6.51	NUM
fsr-3217	209	110	�	�	NOUN
fsr-3217	209	111	0.574	0.574	NUM
fsr-3217	209	112	*	*	PUNCT
fsr-3217	209	113	*	*	PUNCT
fsr-3217	209	114	*	*	PUNCT
fsr-3217	209	115	�	�	PROPN
fsr-3217	209	116	5.73	5.73	NUM
fsr-3217	209	117	0.563	0.563	NUM
fsr-3217	209	118	retired	retire	VERB
fsr-3217	209	119	�	�	PROPN
fsr-3217	209	120	0.049	0.049	NUM
fsr-3217	209	121	*	*	PUNCT
fsr-3217	209	122	*	*	PUNCT
fsr-3217	209	123	*	*	PUNCT
fsr-3217	209	124	�	�	PROPN
fsr-3217	209	125	3.70	3.70	NUM
fsr-3217	209	126	�	�	NOUN
fsr-3217	209	127	0.277	0.277	NUM
fsr-3217	209	128	*	*	PUNCT
fsr-3217	209	129	*	*	PUNCT
fsr-3217	209	130	*	*	PUNCT
fsr-3217	209	131	�	�	PROPN
fsr-3217	209	132	3.67	3.67	NUM
fsr-3217	209	133	0.758	0.758	NUM
fsr-3217	209	134	region	region	NOUN
fsr-3217	209	135	(	(	PUNCT
fsr-3217	209	136	reference	reference	NOUN
fsr-3217	209	137	category	category	NOUN
fsr-3217	209	138	:	:	PUNCT
fsr-3217	209	139	northeast	northeast	ADJ
fsr-3217	209	140	)	)	PUNCT
fsr-3217	209	141	midwest	midwest	PROPN
fsr-3217	209	142	0.007	0.007	NUM
fsr-3217	209	143	0.85	0.85	NUM
fsr-3217	209	144	0.051	0.051	NUM
fsr-3217	209	145	0.93	0.93	NUM
fsr-3217	209	146	1.053	1.053	NUM
fsr-3217	209	147	south	south	PROPN
fsr-3217	209	148	�	�	PROPN
fsr-3217	209	149	0.003	0.003	NUM
fsr-3217	209	150	�	�	PROPN
fsr-3217	209	151	0.39	0.39	NUM
fsr-3217	209	152	�	�	PROPN
fsr-3217	209	153	0.023	0.023	NUM
fsr-3217	209	154	�	�	PROPN
fsr-3217	209	155	0.44	0.44	NUM
fsr-3217	209	156	0.977	0.977	NUM
fsr-3217	209	157	west	west	NOUN
fsr-3217	209	158	0.004	0.004	NUM
fsr-3217	209	159	0.47	0.47	NUM
fsr-3217	209	160	0.031	0.031	NUM
fsr-3217	209	161	0.58	0.58	NUM
fsr-3217	209	162	1.032	1.032	NUM
fsr-3217	209	163	observations	observation	NOUN
fsr-3217	209	164	22,218	22,218	NUM
fsr-3217	209	165	22,218	22,218	NUM
fsr-3217	209	166	adjusted	adjust	VERB
fsr-3217	209	167	r2	r2	NOUN
fsr-3217	209	168	0.088	0.088	NUM
fsr-3217	209	169	this	this	DET
fsr-3217	209	170	table	table	NOUN
fsr-3217	209	171	reports	report	VERB
fsr-3217	209	172	ols	ol	NOUN
fsr-3217	209	173	and	and	CCONJ
fsr-3217	209	174	logit	logit	PROPN
fsr-3217	209	175	regression	regression	NOUN
fsr-3217	209	176	results	result	NOUN
fsr-3217	209	177	where	where	SCONJ
fsr-3217	209	178	the	the	DET
fsr-3217	209	179	dependent	dependent	ADJ
fsr-3217	209	180	variable	variable	NOUN
fsr-3217	209	181	,	,	PUNCT
fsr-3217	209	182	debt	debt	NOUN
fsr-3217	209	183	counseling	counseling	NOUN
fsr-3217	209	184	,	,	PUNCT
fsr-3217	209	185	savings	saving	NOUN
fsr-3217	209	186	or	or	CCONJ
fsr-3217	209	187	investments	investment	NOUN
fsr-3217	209	188	,	,	PUNCT
fsr-3217	209	189	mortgage	mortgage	NOUN
fsr-3217	209	190	or	or	CCONJ
fsr-3217	209	191	loan	loan	NOUN
fsr-3217	209	192	,	,	PUNCT
fsr-3217	209	193	insurance	insurance	NOUN
fsr-3217	209	194	,	,	PUNCT
fsr-3217	209	195	or	or	CCONJ
fsr-3217	209	196	tax	tax	NOUN
fsr-3217	209	197	planning	planning	NOUN
fsr-3217	209	198	is	be	AUX
fsr-3217	209	199	set	set	VERB
fsr-3217	209	200	equal	equal	ADJ
fsr-3217	209	201	to	to	ADP
fsr-3217	209	202	1	1	NUM
fsr-3217	209	203	if	if	SCONJ
fsr-3217	209	204	the	the	DET
fsr-3217	209	205	person	person	NOUN
fsr-3217	209	206	used	use	VERB
fsr-3217	209	207	that	that	DET
fsr-3217	209	208	type	type	NOUN
fsr-3217	209	209	of	of	ADP
fsr-3217	209	210	financial	financial	ADJ
fsr-3217	209	211	adviser	adviser	NOUN
fsr-3217	209	212	,	,	PUNCT
fsr-3217	209	213	or	or	CCONJ
fsr-3217	209	214	0	0	NUM
fsr-3217	209	215	otherwise	otherwise	ADV
fsr-3217	209	216	.	.	PUNCT
fsr-3217	210	1	the	the	DET
fsr-3217	210	2	independent	independent	ADJ
fsr-3217	210	3	variables	variable	NOUN
fsr-3217	210	4	include	include	VERB
fsr-3217	210	5	financial	financial	ADJ
fsr-3217	210	6	education	education	NOUN
fsr-3217	210	7	,	,	PUNCT
fsr-3217	210	8	female	female	NOUN
fsr-3217	210	9	,	,	PUNCT
fsr-3217	210	10	age	age	NOUN
fsr-3217	210	11	group	group	NOUN
fsr-3217	210	12	,	,	PUNCT
fsr-3217	210	13	black	black	ADJ
fsr-3217	210	14	(	(	PUNCT
fsr-3217	210	15	non	non	ADJ
fsr-3217	210	16	-	-	ADJ
fsr-3217	210	17	hispanic	hispanic	ADJ
fsr-3217	210	18	)	)	PUNCT
fsr-3217	210	19	,	,	PUNCT
fsr-3217	210	20	education	education	NOUN
fsr-3217	210	21	,	,	PUNCT
fsr-3217	210	22	marital	marital	ADJ
fsr-3217	210	23	status	status	NOUN
fsr-3217	210	24	,	,	PUNCT
fsr-3217	210	25	income	income	NOUN
fsr-3217	210	26	,	,	PUNCT
fsr-3217	210	27	employment	employment	NOUN
fsr-3217	210	28	,	,	PUNCT
fsr-3217	210	29	and	and	CCONJ
fsr-3217	210	30	region	region	NOUN
fsr-3217	210	31	.	.	PUNCT
fsr-3217	211	1	positive	positive	ADJ
fsr-3217	211	2	(	(	PUNCT
fsr-3217	211	3	negative	negative	ADJ
fsr-3217	211	4	)	)	PUNCT
fsr-3217	211	5	coefficient	coefficient	NOUN
fsr-3217	211	6	estimates	estimate	NOUN
fsr-3217	211	7	indicate	indicate	VERB
fsr-3217	211	8	that	that	SCONJ
fsr-3217	211	9	demographic	demographic	ADJ
fsr-3217	211	10	characteristic	characteristic	NOUN
fsr-3217	211	11	is	be	AUX
fsr-3217	211	12	more	more	ADV
fsr-3217	211	13	(	(	PUNCT
fsr-3217	211	14	less	less	ADJ
fsr-3217	211	15	)	)	PUNCT
fsr-3217	211	16	likely	likely	ADJ
fsr-3217	211	17	to	to	PART
fsr-3217	211	18	use	use	VERB
fsr-3217	211	19	a	a	DET
fsr-3217	211	20	financial	financial	ADJ
fsr-3217	211	21	adviser	adviser	NOUN
fsr-3217	211	22	compared	compare	VERB
fsr-3217	211	23	with	with	ADP
fsr-3217	211	24	the	the	DET
fsr-3217	211	25	indicated	indicate	VERB
fsr-3217	211	26	reference	reference	NOUN
fsr-3217	211	27	category	category	NOUN
fsr-3217	211	28	.	.	PUNCT
fsr-3217	212	1	*	*	PUNCT
fsr-3217	213	1	*	*	PUNCT
fsr-3217	213	2	*	*	PUNCT
fsr-3217	213	3	,	,	PUNCT
fsr-3217	213	4	*	*	PUNCT
fsr-3217	213	5	*	*	PUNCT
fsr-3217	213	6	,	,	PUNCT
fsr-3217	213	7	and	and	CCONJ
fsr-3217	213	8	*	*	PUNCT
fsr-3217	213	9	denote	denote	NOUN
fsr-3217	213	10	significance	significance	NOUN
fsr-3217	213	11	at	at	ADP
fsr-3217	213	12	the	the	DET
fsr-3217	213	13	1	1	NUM
fsr-3217	213	14	%	%	NOUN
fsr-3217	213	15	,	,	PUNCT
fsr-3217	213	16	5	5	NUM
fsr-3217	213	17	%	%	NOUN
fsr-3217	213	18	,	,	PUNCT
fsr-3217	213	19	and	and	CCONJ
fsr-3217	213	20	10	10	NUM
fsr-3217	213	21	%	%	NOUN
fsr-3217	213	22	levels	level	NOUN
fsr-3217	213	23	,	,	PUNCT
fsr-3217	213	24	respectively	respectively	ADV
fsr-3217	213	25	.	.	PUNCT
fsr-3217	214	1	141b	141b	NOUN
fsr-3217	214	2	.	.	PUNCT
fsr-3217	215	1	balasubramnian	balasubramnian	PROPN
fsr-3217	215	2	,	,	PUNCT
fsr-3217	215	3	e.r	e.r	PROPN
fsr-3217	215	4	.	.	NOUN
fsr-3217	215	5	brisker	brisk	ADJ
fsr-3217	215	6	/	/	SYM
fsr-3217	215	7	financial	financial	ADJ
fsr-3217	215	8	services	service	NOUN
fsr-3217	215	9	review	review	VERB
fsr-3217	215	10	25	25	NUM
fsr-3217	215	11	(	(	PUNCT
fsr-3217	215	12	2016	2016	NUM
fsr-3217	215	13	)	)	PUNCT
fsr-3217	215	14	127–155	127–155	NUM
fsr-3217	215	15	region	region	NOUN
fsr-3217	215	16	,	,	PUNCT
fsr-3217	215	17	those	those	PRON
fsr-3217	215	18	in	in	ADP
fsr-3217	215	19	the	the	DET
fsr-3217	215	20	west	west	NOUN
fsr-3217	215	21	are	be	AUX
fsr-3217	215	22	25	25	NUM
fsr-3217	215	23	%	%	NOUN
fsr-3217	215	24	more	more	ADV
fsr-3217	215	25	likely	likely	ADJ
fsr-3217	215	26	to	to	PART
fsr-3217	215	27	use	use	VERB
fsr-3217	215	28	mortgage	mortgage	NOUN
fsr-3217	215	29	or	or	CCONJ
fsr-3217	215	30	loan	loan	NOUN
fsr-3217	215	31	advisers	adviser	NOUN
fsr-3217	215	32	,	,	PUNCT
fsr-3217	215	33	and	and	CCONJ
fsr-3217	215	34	those	those	PRON
fsr-3217	215	35	in	in	ADP
fsr-3217	215	36	the	the	DET
fsr-3217	215	37	midwest	midwest	NOUN
fsr-3217	215	38	and	and	CCONJ
fsr-3217	215	39	west	west	PROPN
fsr-3217	215	40	are	be	AUX
fsr-3217	215	41	14	14	NUM
fsr-3217	215	42	%	%	NOUN
fsr-3217	215	43	more	more	ADV
fsr-3217	215	44	likely	likely	ADJ
fsr-3217	215	45	to	to	PART
fsr-3217	215	46	use	use	VERB
fsr-3217	215	47	insurance	insurance	NOUN
fsr-3217	215	48	advisers	adviser	NOUN
fsr-3217	215	49	.	.	PUNCT
fsr-3217	216	1	3.2	3.2	NUM
fsr-3217	216	2	.	.	PUNCT
fsr-3217	217	1	financial	financial	ADJ
fsr-3217	217	2	literacy	literacy	NOUN
fsr-3217	217	3	we	we	PRON
fsr-3217	217	4	will	will	AUX
fsr-3217	217	5	now	now	ADV
fsr-3217	217	6	determine	determine	VERB
fsr-3217	217	7	if	if	SCONJ
fsr-3217	217	8	financial	financial	ADJ
fsr-3217	217	9	advisers	adviser	NOUN
fsr-3217	217	10	have	have	VERB
fsr-3217	217	11	an	an	DET
fsr-3217	217	12	impact	impact	NOUN
fsr-3217	217	13	on	on	ADP
fsr-3217	217	14	the	the	DET
fsr-3217	217	15	financial	financial	ADJ
fsr-3217	217	16	literacy	literacy	NOUN
fsr-3217	217	17	of	of	ADP
fsr-3217	217	18	individuals	individual	NOUN
fsr-3217	217	19	that	that	PRON
fsr-3217	217	20	use	use	VERB
fsr-3217	217	21	them	they	PRON
fsr-3217	217	22	versus	versus	ADP
fsr-3217	217	23	those	those	PRON
fsr-3217	217	24	that	that	PRON
fsr-3217	217	25	do	do	VERB
fsr-3217	217	26	not	not	PART
fsr-3217	217	27	.	.	PUNCT
fsr-3217	218	1	we	we	PRON
fsr-3217	218	2	first	first	ADV
fsr-3217	218	3	estimate	estimate	VERB
fsr-3217	218	4	a	a	DET
fsr-3217	218	5	linear	linear	PROPN
fsr-3217	218	6	ols	ol	NOUN
fsr-3217	218	7	regression	regression	NOUN
fsr-3217	218	8	model	model	NOUN
fsr-3217	218	9	to	to	PART
fsr-3217	218	10	determine	determine	VERB
fsr-3217	218	11	if	if	SCONJ
fsr-3217	218	12	using	use	VERB
fsr-3217	218	13	at	at	ADV
fsr-3217	218	14	least	least	ADJ
fsr-3217	218	15	one	one	NUM
fsr-3217	218	16	of	of	ADP
fsr-3217	218	17	the	the	DET
fsr-3217	218	18	five	five	NUM
fsr-3217	218	19	types	type	NOUN
fsr-3217	218	20	of	of	ADP
fsr-3217	218	21	financial	financial	ADJ
fsr-3217	218	22	advisers	adviser	NOUN
fsr-3217	218	23	impacts	impact	VERB
fsr-3217	218	24	the	the	DET
fsr-3217	218	25	number	number	NOUN
fsr-3217	218	26	of	of	ADP
fsr-3217	218	27	correct	correct	ADJ
fsr-3217	218	28	answers	answer	NOUN
fsr-3217	218	29	giving	give	VERB
fsr-3217	218	30	for	for	ADP
fsr-3217	218	31	the	the	DET
fsr-3217	218	32	five	five	NUM
fsr-3217	218	33	financial	financial	ADJ
fsr-3217	218	34	literacy	literacy	NOUN
fsr-3217	218	35	questions	question	NOUN
fsr-3217	218	36	asked	ask	VERB
fsr-3217	218	37	in	in	ADP
fsr-3217	218	38	the	the	DET
fsr-3217	218	39	survey	survey	NOUN
fsr-3217	218	40	.	.	PUNCT
fsr-3217	219	1	we	we	PRON
fsr-3217	219	2	then	then	ADV
fsr-3217	219	3	estimate	estimate	VERB
fsr-3217	219	4	an	an	DET
fsr-3217	219	5	ordered	order	VERB
fsr-3217	219	6	logit	logit	NOUN
fsr-3217	219	7	regression	regression	NOUN
fsr-3217	219	8	model	model	NOUN
fsr-3217	219	9	to	to	PART
fsr-3217	219	10	determine	determine	VERB
fsr-3217	219	11	if	if	SCONJ
fsr-3217	219	12	using	use	VERB
fsr-3217	219	13	at	at	ADV
fsr-3217	219	14	least	least	ADJ
fsr-3217	219	15	one	one	NUM
fsr-3217	219	16	of	of	ADP
fsr-3217	219	17	the	the	DET
fsr-3217	219	18	five	five	NUM
fsr-3217	219	19	types	type	NOUN
fsr-3217	219	20	of	of	ADP
fsr-3217	219	21	financial	financial	ADJ
fsr-3217	219	22	advisers	adviser	NOUN
fsr-3217	219	23	impacts	impact	VERB
fsr-3217	219	24	the	the	DET
fsr-3217	219	25	probability	probability	NOUN
fsr-3217	219	26	of	of	ADP
fsr-3217	219	27	answering	answer	VERB
fsr-3217	219	28	more	more	ADJ
fsr-3217	219	29	of	of	ADP
fsr-3217	219	30	the	the	DET
fsr-3217	219	31	financial	financial	ADJ
fsr-3217	219	32	literacy	literacy	NOUN
fsr-3217	219	33	questions	question	NOUN
fsr-3217	219	34	correctly	correctly	ADV
fsr-3217	219	35	.	.	PUNCT
fsr-3217	220	1	the	the	DET
fsr-3217	220	2	dependent	dependent	ADJ
fsr-3217	220	3	variable	variable	NOUN
fsr-3217	220	4	in	in	ADP
fsr-3217	220	5	both	both	DET
fsr-3217	220	6	models	model	NOUN
fsr-3217	220	7	,	,	PUNCT
fsr-3217	220	8	financial	financial	ADJ
fsr-3217	220	9	literacy	literacy	NOUN
fsr-3217	220	10	score	score	NOUN
fsr-3217	220	11	,	,	PUNCT
fsr-3217	220	12	is	be	AUX
fsr-3217	220	13	set	set	VERB
fsr-3217	220	14	equal	equal	ADJ
fsr-3217	220	15	to	to	ADP
fsr-3217	220	16	the	the	DET
fsr-3217	220	17	number	number	NOUN
fsr-3217	220	18	of	of	ADP
fsr-3217	220	19	questions	question	NOUN
fsr-3217	220	20	the	the	DET
fsr-3217	220	21	survey	survey	NOUN
fsr-3217	220	22	respondent	respondent	NOUN
fsr-3217	220	23	answered	answer	VERB
fsr-3217	220	24	correctly	correctly	ADV
fsr-3217	220	25	ranging	range	VERB
fsr-3217	220	26	from	from	ADP
fsr-3217	220	27	0	0	NUM
fsr-3217	220	28	to	to	ADP
fsr-3217	220	29	5	5	NUM
fsr-3217	220	30	.	.	PUNCT
fsr-3217	221	1	the	the	DET
fsr-3217	221	2	independent	independent	ADJ
fsr-3217	221	3	variable	variable	NOUN
fsr-3217	221	4	of	of	ADP
fsr-3217	221	5	interest	interest	NOUN
fsr-3217	221	6	,	,	PUNCT
fsr-3217	221	7	fa	fa	PROPN
fsr-3217	221	8	user	user	NOUN
fsr-3217	221	9	,	,	PUNCT
fsr-3217	221	10	is	be	AUX
fsr-3217	221	11	a	a	DET
fsr-3217	221	12	dummy	dummy	ADJ
fsr-3217	221	13	variable	variable	NOUN
fsr-3217	221	14	set	set	VERB
fsr-3217	221	15	equal	equal	ADJ
fsr-3217	221	16	to	to	ADP
fsr-3217	221	17	one	one	NUM
fsr-3217	221	18	if	if	SCONJ
fsr-3217	221	19	the	the	DET
fsr-3217	221	20	survey	survey	NOUN
fsr-3217	221	21	respondent	respondent	NOUN
fsr-3217	221	22	used	use	VERB
fsr-3217	221	23	at	at	ADP
fsr-3217	221	24	least	least	ADJ
fsr-3217	221	25	one	one	NUM
fsr-3217	221	26	of	of	ADP
fsr-3217	221	27	the	the	DET
fsr-3217	221	28	five	five	NUM
fsr-3217	221	29	types	type	NOUN
fsr-3217	221	30	of	of	ADP
fsr-3217	221	31	financial	financial	ADJ
fsr-3217	221	32	advisers	adviser	NOUN
fsr-3217	221	33	in	in	ADP
fsr-3217	221	34	the	the	DET
fsr-3217	221	35	past	past	ADJ
fsr-3217	221	36	five	five	NUM
fsr-3217	221	37	years	year	NOUN
fsr-3217	221	38	,	,	PUNCT
fsr-3217	221	39	or	or	CCONJ
fsr-3217	221	40	0	0	NUM
fsr-3217	221	41	otherwise	otherwise	ADV
fsr-3217	221	42	.	.	PUNCT
fsr-3217	222	1	we	we	PRON
fsr-3217	222	2	then	then	ADV
fsr-3217	222	3	re	re	VERB
fsr-3217	222	4	-	-	NOUN
fsr-3217	222	5	estimate	estimate	VERB
fsr-3217	222	6	both	both	DET
fsr-3217	222	7	models	model	NOUN
fsr-3217	222	8	where	where	SCONJ
fsr-3217	222	9	we	we	PRON
fsr-3217	222	10	replace	replace	VERB
fsr-3217	222	11	the	the	DET
fsr-3217	222	12	fa	fa	PROPN
fsr-3217	222	13	user	user	NOUN
fsr-3217	222	14	independent	independent	ADJ
fsr-3217	222	15	dummy	dummy	ADJ
fsr-3217	222	16	variable	variable	NOUN
fsr-3217	222	17	with	with	ADP
fsr-3217	222	18	separate	separate	ADJ
fsr-3217	222	19	dummy	dummy	ADJ
fsr-3217	222	20	variables	variable	NOUN
fsr-3217	222	21	for	for	ADP
fsr-3217	222	22	each	each	DET
fsr-3217	222	23	financial	financial	ADJ
fsr-3217	222	24	adviser	adviser	NOUN
fsr-3217	222	25	type	type	NOUN
fsr-3217	222	26	to	to	PART
fsr-3217	222	27	include	include	VERB
fsr-3217	222	28	debt	debt	NOUN
fsr-3217	222	29	counseling	counseling	NOUN
fsr-3217	222	30	,	,	PUNCT
fsr-3217	222	31	savings	saving	NOUN
fsr-3217	222	32	or	or	CCONJ
fsr-3217	222	33	investments	investment	NOUN
fsr-3217	222	34	,	,	PUNCT
fsr-3217	222	35	mortgage	mortgage	NOUN
fsr-3217	222	36	or	or	CCONJ
fsr-3217	222	37	loan	loan	NOUN
fsr-3217	222	38	,	,	PUNCT
fsr-3217	222	39	insurance	insurance	NOUN
fsr-3217	222	40	,	,	PUNCT
fsr-3217	222	41	and	and	CCONJ
fsr-3217	222	42	tax	tax	NOUN
fsr-3217	222	43	planning	planning	NOUN
fsr-3217	222	44	that	that	PRON
fsr-3217	222	45	are	be	AUX
fsr-3217	222	46	set	set	VERB
fsr-3217	222	47	equal	equal	ADJ
fsr-3217	222	48	to	to	ADP
fsr-3217	222	49	1	1	NUM
fsr-3217	222	50	if	if	SCONJ
fsr-3217	222	51	the	the	DET
fsr-3217	222	52	survey	survey	NOUN
fsr-3217	222	53	respondent	respondent	NOUN
fsr-3217	222	54	used	use	VERB
fsr-3217	222	55	that	that	DET
fsr-3217	222	56	type	type	NOUN
fsr-3217	222	57	of	of	ADP
fsr-3217	222	58	financial	financial	ADJ
fsr-3217	222	59	adviser	adviser	NOUN
fsr-3217	222	60	,	,	PUNCT
fsr-3217	222	61	or	or	CCONJ
fsr-3217	222	62	0	0	NUM
fsr-3217	222	63	otherwise	otherwise	ADV
fsr-3217	222	64	.	.	PUNCT
fsr-3217	223	1	it	it	PRON
fsr-3217	223	2	is	be	AUX
fsr-3217	223	3	important	important	ADJ
fsr-3217	223	4	for	for	SCONJ
fsr-3217	223	5	us	we	PRON
fsr-3217	223	6	to	to	PART
fsr-3217	223	7	include	include	VERB
fsr-3217	223	8	the	the	DET
fsr-3217	223	9	demographic	demographic	ADJ
fsr-3217	223	10	characteristics	characteristic	NOUN
fsr-3217	223	11	financial	financial	ADJ
fsr-3217	223	12	education	education	NOUN
fsr-3217	223	13	,	,	PUNCT
fsr-3217	223	14	female	female	NOUN
fsr-3217	223	15	,	,	PUNCT
fsr-3217	223	16	age	age	NOUN
fsr-3217	223	17	group	group	NOUN
fsr-3217	223	18	,	,	PUNCT
fsr-3217	223	19	black	black	ADJ
fsr-3217	223	20	(	(	PUNCT
fsr-3217	223	21	non	non	ADJ
fsr-3217	223	22	-	-	ADJ
fsr-3217	223	23	hispanic	hispanic	ADJ
fsr-3217	223	24	)	)	PUNCT
fsr-3217	223	25	,	,	PUNCT
fsr-3217	223	26	education	education	NOUN
fsr-3217	223	27	,	,	PUNCT
fsr-3217	223	28	marital	marital	ADJ
fsr-3217	223	29	status	status	NOUN
fsr-3217	223	30	,	,	PUNCT
fsr-3217	223	31	income	income	NOUN
fsr-3217	223	32	,	,	PUNCT
fsr-3217	223	33	employment	employment	NOUN
fsr-3217	223	34	,	,	PUNCT
fsr-3217	223	35	and	and	CCONJ
fsr-3217	223	36	region	region	NOUN
fsr-3217	223	37	as	as	ADP
fsr-3217	223	38	control	control	NOUN
fsr-3217	223	39	variables	variable	NOUN
fsr-3217	223	40	in	in	ADP
fsr-3217	223	41	our	our	PRON
fsr-3217	223	42	models	model	NOUN
fsr-3217	223	43	since	since	SCONJ
fsr-3217	223	44	many	many	ADJ
fsr-3217	223	45	of	of	ADP
fsr-3217	223	46	them	they	PRON
fsr-3217	223	47	are	be	AUX
fsr-3217	223	48	expected	expect	VERB
fsr-3217	223	49	to	to	PART
fsr-3217	223	50	influence	influence	VERB
fsr-3217	223	51	financial	financial	ADJ
fsr-3217	223	52	literacy	literacy	NOUN
fsr-3217	223	53	.	.	PUNCT
fsr-3217	224	1	the	the	DET
fsr-3217	224	2	first	first	ADJ
fsr-3217	224	3	two	two	NUM
fsr-3217	224	4	columns	column	NOUN
fsr-3217	224	5	in	in	ADP
fsr-3217	224	6	the	the	DET
fsr-3217	224	7	left	left	ADJ
fsr-3217	224	8	panel	panel	NOUN
fsr-3217	224	9	of	of	ADP
fsr-3217	224	10	table	table	NOUN
fsr-3217	224	11	5	5	NUM
fsr-3217	224	12	report	report	VERB
fsr-3217	224	13	the	the	DET
fsr-3217	224	14	coefficient	coefficient	NOUN
fsr-3217	224	15	and	and	CCONJ
fsr-3217	224	16	t	t	NOUN
fsr-3217	224	17	-	-	PUNCT
fsr-3217	224	18	stat	stat	NOUN
fsr-3217	224	19	results	result	NOUN
fsr-3217	224	20	from	from	ADP
fsr-3217	224	21	the	the	DET
fsr-3217	224	22	ols	ol	NOUN
fsr-3217	224	23	model	model	NOUN
fsr-3217	224	24	specification	specification	NOUN
fsr-3217	224	25	using	use	VERB
fsr-3217	224	26	fa	fa	PROPN
fsr-3217	224	27	user	user	NOUN
fsr-3217	224	28	as	as	ADP
fsr-3217	224	29	the	the	DET
fsr-3217	224	30	main	main	ADJ
fsr-3217	224	31	independent	independent	ADJ
fsr-3217	224	32	variable	variable	NOUN
fsr-3217	224	33	of	of	ADP
fsr-3217	224	34	interest	interest	NOUN
fsr-3217	224	35	.	.	PUNCT
fsr-3217	225	1	we	we	PRON
fsr-3217	225	2	first	first	ADV
fsr-3217	225	3	notice	notice	VERB
fsr-3217	225	4	that	that	SCONJ
fsr-3217	225	5	financial	financial	ADJ
fsr-3217	225	6	education	education	NOUN
fsr-3217	225	7	is	be	AUX
fsr-3217	225	8	positively	positively	ADV
fsr-3217	225	9	related	relate	VERB
fsr-3217	225	10	to	to	ADP
fsr-3217	225	11	higher	high	ADJ
fsr-3217	225	12	financial	financial	ADJ
fsr-3217	225	13	literacy	literacy	NOUN
fsr-3217	225	14	scores	score	NOUN
fsr-3217	225	15	as	as	SCONJ
fsr-3217	225	16	expected	expect	VERB
fsr-3217	225	17	,	,	PUNCT
fsr-3217	225	18	but	but	CCONJ
fsr-3217	225	19	female	female	ADJ
fsr-3217	225	20	and	and	CCONJ
fsr-3217	225	21	black	black	ADJ
fsr-3217	225	22	(	(	PUNCT
fsr-3217	225	23	non	non	ADJ
fsr-3217	225	24	-	-	ADJ
fsr-3217	225	25	hispanic	hispanic	ADJ
fsr-3217	225	26	)	)	PUNCT
fsr-3217	225	27	are	be	AUX
fsr-3217	225	28	significantly	significantly	ADV
fsr-3217	225	29	related	relate	VERB
fsr-3217	225	30	with	with	ADP
fsr-3217	225	31	lower	low	ADJ
fsr-3217	225	32	financial	financial	ADJ
fsr-3217	225	33	literacy	literacy	NOUN
fsr-3217	225	34	scores	score	NOUN
fsr-3217	225	35	.	.	PUNCT
fsr-3217	226	1	we	we	PRON
fsr-3217	226	2	also	also	ADV
fsr-3217	226	3	find	find	VERB
fsr-3217	226	4	a	a	DET
fsr-3217	226	5	monotonically	monotonically	ADV
fsr-3217	226	6	increasing	increase	VERB
fsr-3217	226	7	positive	positive	ADJ
fsr-3217	226	8	relationship	relationship	NOUN
fsr-3217	226	9	with	with	ADP
fsr-3217	226	10	higher	high	ADJ
fsr-3217	226	11	financial	financial	ADJ
fsr-3217	226	12	literacy	literacy	NOUN
fsr-3217	226	13	scores	score	NOUN
fsr-3217	226	14	across	across	ADP
fsr-3217	226	15	higher	high	ADJ
fsr-3217	226	16	age	age	NOUN
fsr-3217	226	17	groups	group	NOUN
fsr-3217	226	18	,	,	PUNCT
fsr-3217	226	19	education	education	NOUN
fsr-3217	226	20	levels	level	NOUN
fsr-3217	226	21	,	,	PUNCT
fsr-3217	226	22	and	and	CCONJ
fsr-3217	226	23	income	income	NOUN
fsr-3217	226	24	levels	level	NOUN
fsr-3217	226	25	.	.	PUNCT
fsr-3217	227	1	both	both	PRON
fsr-3217	227	2	married	married	ADJ
fsr-3217	227	3	and	and	CCONJ
fsr-3217	227	4	self	self	NOUN
fsr-3217	227	5	-	-	PUNCT
fsr-3217	227	6	employed	employ	VERB
fsr-3217	227	7	people	people	NOUN
fsr-3217	227	8	scored	score	VERB
fsr-3217	227	9	higher	high	ADJ
fsr-3217	227	10	financial	financial	ADJ
fsr-3217	227	11	literacy	literacy	NOUN
fsr-3217	227	12	scores	score	NOUN
fsr-3217	227	13	compared	compare	VERB
fsr-3217	227	14	with	with	ADP
fsr-3217	227	15	the	the	DET
fsr-3217	227	16	other	other	ADJ
fsr-3217	227	17	categories	category	NOUN
fsr-3217	227	18	under	under	ADP
fsr-3217	227	19	marital	marital	ADJ
fsr-3217	227	20	status	status	NOUN
fsr-3217	227	21	and	and	CCONJ
fsr-3217	227	22	employment	employment	NOUN
fsr-3217	227	23	,	,	PUNCT
fsr-3217	227	24	and	and	CCONJ
fsr-3217	227	25	those	those	PRON
fsr-3217	227	26	in	in	ADP
fsr-3217	227	27	the	the	DET
fsr-3217	227	28	northeast	northeast	NOUN
fsr-3217	227	29	scored	score	VERB
fsr-3217	227	30	lower	low	ADJ
fsr-3217	227	31	financial	financial	ADJ
fsr-3217	227	32	literacy	literacy	NOUN
fsr-3217	227	33	scores	score	NOUN
fsr-3217	227	34	compared	compare	VERB
fsr-3217	227	35	with	with	ADP
fsr-3217	227	36	the	the	DET
fsr-3217	227	37	other	other	ADJ
fsr-3217	227	38	categories	category	NOUN
fsr-3217	227	39	under	under	ADP
fsr-3217	227	40	region	region	NOUN
fsr-3217	227	41	.	.	PUNCT
fsr-3217	228	1	our	our	PRON
fsr-3217	228	2	main	main	ADJ
fsr-3217	228	3	variable	variable	NOUN
fsr-3217	228	4	of	of	ADP
fsr-3217	228	5	interest	interest	NOUN
fsr-3217	228	6	,	,	PUNCT
fsr-3217	228	7	fa	fa	PROPN
fsr-3217	228	8	user	user	NOUN
fsr-3217	228	9	,	,	PUNCT
fsr-3217	228	10	is	be	AUX
fsr-3217	228	11	positive	positive	ADJ
fsr-3217	228	12	,	,	PUNCT
fsr-3217	228	13	and	and	CCONJ
fsr-3217	228	14	highly	highly	ADV
fsr-3217	228	15	statistically	statistically	ADV
fsr-3217	228	16	significant	significant	ADJ
fsr-3217	228	17	,	,	PUNCT
fsr-3217	228	18	indicating	indicate	VERB
fsr-3217	228	19	that	that	SCONJ
fsr-3217	228	20	those	those	PRON
fsr-3217	228	21	using	use	VERB
fsr-3217	228	22	at	at	ADV
fsr-3217	228	23	least	least	ADJ
fsr-3217	228	24	one	one	NUM
fsr-3217	228	25	of	of	ADP
fsr-3217	228	26	the	the	DET
fsr-3217	228	27	five	five	NUM
fsr-3217	228	28	types	type	NOUN
fsr-3217	228	29	of	of	ADP
fsr-3217	228	30	financial	financial	ADJ
fsr-3217	228	31	advisers	adviser	NOUN
fsr-3217	228	32	answered	answer	VERB
fsr-3217	228	33	more	more	ADJ
fsr-3217	228	34	of	of	ADP
fsr-3217	228	35	the	the	DET
fsr-3217	228	36	financial	financial	ADJ
fsr-3217	228	37	literacy	literacy	NOUN
fsr-3217	228	38	questions	question	NOUN
fsr-3217	228	39	correctly	correctly	ADV
fsr-3217	228	40	compared	compare	VERB
fsr-3217	228	41	with	with	ADP
fsr-3217	228	42	those	those	PRON
fsr-3217	228	43	that	that	PRON
fsr-3217	228	44	did	do	AUX
fsr-3217	228	45	not	not	PART
fsr-3217	228	46	use	use	VERB
fsr-3217	228	47	any	any	DET
fsr-3217	228	48	financial	financial	ADJ
fsr-3217	228	49	advisers	adviser	NOUN
fsr-3217	228	50	.	.	PUNCT
fsr-3217	229	1	this	this	PRON
fsr-3217	229	2	is	be	AUX
fsr-3217	229	3	our	our	PRON
fsr-3217	229	4	first	first	ADJ
fsr-3217	229	5	evidence	evidence	NOUN
fsr-3217	229	6	that	that	SCONJ
fsr-3217	229	7	financial	financial	ADJ
fsr-3217	229	8	advisers	adviser	NOUN
fsr-3217	229	9	positively	positively	ADV
fsr-3217	229	10	influence	influence	VERB
fsr-3217	229	11	the	the	DET
fsr-3217	229	12	financial	financial	ADJ
fsr-3217	229	13	literacy	literacy	NOUN
fsr-3217	229	14	of	of	ADP
fsr-3217	229	15	their	their	PRON
fsr-3217	229	16	clients	client	NOUN
fsr-3217	229	17	,	,	PUNCT
fsr-3217	229	18	even	even	ADV
fsr-3217	229	19	after	after	ADP
fsr-3217	229	20	controlling	control	VERB
fsr-3217	229	21	for	for	ADP
fsr-3217	229	22	other	other	ADJ
fsr-3217	229	23	demographic	demographic	ADJ
fsr-3217	229	24	characteristics	characteristic	NOUN
fsr-3217	229	25	that	that	PRON
fsr-3217	229	26	are	be	AUX
fsr-3217	229	27	also	also	ADV
fsr-3217	229	28	positively	positively	ADV
fsr-3217	229	29	related	relate	VERB
fsr-3217	229	30	to	to	ADP
fsr-3217	229	31	higher	high	ADJ
fsr-3217	229	32	financial	financial	ADJ
fsr-3217	229	33	literacy	literacy	NOUN
fsr-3217	229	34	scores	score	NOUN
fsr-3217	229	35	.	.	PUNCT
fsr-3217	230	1	the	the	DET
fsr-3217	230	2	last	last	ADJ
fsr-3217	230	3	three	three	NUM
fsr-3217	230	4	columns	column	NOUN
fsr-3217	230	5	of	of	ADP
fsr-3217	230	6	the	the	DET
fsr-3217	230	7	left	left	ADJ
fsr-3217	230	8	panel	panel	NOUN
fsr-3217	230	9	in	in	ADP
fsr-3217	230	10	table	table	NOUN
fsr-3217	230	11	5	5	NUM
fsr-3217	230	12	report	report	NOUN
fsr-3217	230	13	the	the	DET
fsr-3217	230	14	ordered	order	VERB
fsr-3217	230	15	logit	logit	PROPN
fsr-3217	230	16	regression	regression	NOUN
fsr-3217	230	17	model	model	NOUN
fsr-3217	230	18	results	result	NOUN
fsr-3217	230	19	.	.	PUNCT
fsr-3217	231	1	in	in	ADP
fsr-3217	231	2	this	this	DET
fsr-3217	231	3	model	model	NOUN
fsr-3217	231	4	specification	specification	NOUN
fsr-3217	231	5	,	,	PUNCT
fsr-3217	231	6	a	a	DET
fsr-3217	231	7	positive	positive	ADJ
fsr-3217	231	8	(	(	PUNCT
fsr-3217	231	9	negative	negative	ADJ
fsr-3217	231	10	)	)	PUNCT
fsr-3217	231	11	coefficient	coefficient	NOUN
fsr-3217	231	12	estimate	estimate	NOUN
fsr-3217	231	13	indicates	indicate	VERB
fsr-3217	231	14	that	that	SCONJ
fsr-3217	231	15	characteristic	characteristic	ADJ
fsr-3217	231	16	increases	increase	NOUN
fsr-3217	231	17	(	(	PUNCT
fsr-3217	231	18	decreases	decrease	NOUN
fsr-3217	231	19	)	)	PUNCT
fsr-3217	231	20	the	the	DET
fsr-3217	231	21	probability	probability	NOUN
fsr-3217	231	22	of	of	ADP
fsr-3217	231	23	answering	answer	VERB
fsr-3217	231	24	more	more	ADJ
fsr-3217	231	25	of	of	ADP
fsr-3217	231	26	the	the	DET
fsr-3217	231	27	financial	financial	ADJ
fsr-3217	231	28	literacy	literacy	NOUN
fsr-3217	231	29	questions	question	NOUN
fsr-3217	231	30	correctly	correctly	ADV
fsr-3217	231	31	.	.	PUNCT
fsr-3217	232	1	consistent	consistent	ADJ
fsr-3217	232	2	with	with	ADP
fsr-3217	232	3	the	the	DET
fsr-3217	232	4	ols	ol	NOUN
fsr-3217	232	5	results	result	NOUN
fsr-3217	232	6	,	,	PUNCT
fsr-3217	232	7	we	we	PRON
fsr-3217	232	8	find	find	VERB
fsr-3217	232	9	that	that	SCONJ
fsr-3217	232	10	financial	financial	ADJ
fsr-3217	232	11	education	education	NOUN
fsr-3217	232	12	increases	increase	VERB
fsr-3217	232	13	the	the	DET
fsr-3217	232	14	probability	probability	NOUN
fsr-3217	232	15	of	of	ADP
fsr-3217	232	16	answering	answer	VERB
fsr-3217	232	17	more	more	ADJ
fsr-3217	232	18	financial	financial	ADJ
fsr-3217	232	19	literacy	literacy	NOUN
fsr-3217	232	20	questions	question	NOUN
fsr-3217	232	21	correctly	correctly	ADV
fsr-3217	232	22	by	by	ADP
fsr-3217	232	23	142	142	NUM
fsr-3217	232	24	b.	b.	PROPN
fsr-3217	232	25	balasubramnian	balasubramnian	PROPN
fsr-3217	232	26	,	,	PUNCT
fsr-3217	232	27	e.r	e.r	PROPN
fsr-3217	232	28	.	.	NOUN
fsr-3217	232	29	brisker	brisk	ADJ
fsr-3217	232	30	/	/	SYM
fsr-3217	232	31	financial	financial	ADJ
fsr-3217	232	32	services	service	NOUN
fsr-3217	232	33	review	review	VERB
fsr-3217	232	34	25	25	NUM
fsr-3217	232	35	(	(	PUNCT
fsr-3217	232	36	2016	2016	NUM
fsr-3217	232	37	)	)	PUNCT
fsr-3217	232	38	127–155	127–155	NUM
fsr-3217	232	39	table	table	NOUN
fsr-3217	232	40	5	5	NUM
fsr-3217	232	41	financial	financial	ADJ
fsr-3217	232	42	literacy	literacy	NOUN
fsr-3217	232	43	ols	ol	NOUN
fsr-3217	232	44	and	and	CCONJ
fsr-3217	232	45	ordered	order	VERB
fsr-3217	232	46	logit	logit	NOUN
fsr-3217	232	47	regressions	regression	NOUN
fsr-3217	232	48	financial	financial	ADJ
fsr-3217	232	49	literacy	literacy	NOUN
fsr-3217	232	50	score	score	NOUN
fsr-3217	232	51	:	:	PUNCT
fsr-3217	232	52	0	0	NUM
fsr-3217	232	53	to	to	PART
fsr-3217	232	54	5	5	NUM
fsr-3217	232	55	financial	financial	ADJ
fsr-3217	232	56	literacy	literacy	NOUN
fsr-3217	232	57	score	score	NOUN
fsr-3217	232	58	:	:	PUNCT
fsr-3217	232	59	0	0	NUM
fsr-3217	232	60	to	to	PART
fsr-3217	232	61	5	5	NUM
fsr-3217	232	62	ols	ol	NOUN
fsr-3217	232	63	coefficient	coefficient	NOUN
fsr-3217	232	64	t	t	PROPN
fsr-3217	232	65	stat	stat	PROPN
fsr-3217	232	66	o	o	PROPN
fsr-3217	232	67	-	-	PUNCT
fsr-3217	232	68	logit	logit	NOUN
fsr-3217	232	69	coefficient	coefficient	NOUN
fsr-3217	232	70	z	z	NOUN
fsr-3217	232	71	-	-	PUNCT
fsr-3217	232	72	stat	stat	NOUN
fsr-3217	232	73	odds	odd	NOUN
fsr-3217	232	74	ratio	ratio	NOUN
fsr-3217	232	75	ols	ol	NOUN
fsr-3217	232	76	coefficient	coefficient	NOUN
fsr-3217	232	77	t	t	PROPN
fsr-3217	232	78	stat	stat	PROPN
fsr-3217	232	79	o	o	PROPN
fsr-3217	232	80	-	-	PUNCT
fsr-3217	232	81	logit	logit	NOUN
fsr-3217	232	82	coefficient	coefficient	NOUN
fsr-3217	232	83	z	z	NOUN
fsr-3217	232	84	-	-	PUNCT
fsr-3217	232	85	stat	stat	NOUN
fsr-3217	232	86	odds	odd	NOUN
fsr-3217	232	87	ratio	ratio	NOUN
fsr-3217	232	88	constant	constant	ADJ
fsr-3217	232	89	1.639	1.639	NUM
fsr-3217	232	90	*	*	PUNCT
fsr-3217	232	91	*	*	PUNCT
fsr-3217	232	92	*	*	PUNCT
fsr-3217	232	93	27.63	27.63	NUM
fsr-3217	232	94	3.986	3.986	NUM
fsr-3217	232	95	*	*	PUNCT
fsr-3217	232	96	*	*	PUNCT
fsr-3217	232	97	*	*	PUNCT
fsr-3217	232	98	42.39	42.39	NUM
fsr-3217	233	1	53.833	53.833	NUM
fsr-3217	233	2	*	*	PUNCT
fsr-3217	233	3	*	*	PUNCT
fsr-3217	233	4	*	*	PUNCT
fsr-3217	233	5	1.667	1.667	NUM
fsr-3217	233	6	*	*	PUNCT
fsr-3217	233	7	*	*	PUNCT
fsr-3217	233	8	*	*	PUNCT
fsr-3217	234	1	28.16	28.16	NUM
fsr-3217	234	2	3.952	3.952	NUM
fsr-3217	234	3	*	*	PUNCT
fsr-3217	234	4	*	*	PUNCT
fsr-3217	234	5	*	*	PUNCT
fsr-3217	234	6	42.08	42.08	NUM
fsr-3217	234	7	52.044	52.044	NUM
fsr-3217	234	8	*	*	PUNCT
fsr-3217	234	9	*	*	PUNCT
fsr-3217	234	10	*	*	PUNCT
fsr-3217	234	11	fa	fa	PROPN
fsr-3217	234	12	user	user	NOUN
fsr-3217	234	13	0.202	0.202	NUM
fsr-3217	234	14	*	*	PUNCT
fsr-3217	234	15	*	*	PUNCT
fsr-3217	234	16	*	*	PUNCT
fsr-3217	234	17	11.88	11.88	NUM
fsr-3217	234	18	0.289	0.289	NUM
fsr-3217	234	19	*	*	PUNCT
fsr-3217	234	20	*	*	PUNCT
fsr-3217	234	21	*	*	PUNCT
fsr-3217	234	22	11.26	11.26	NUM
fsr-3217	234	23	1.335	1.335	NUM
fsr-3217	234	24	*	*	PUNCT
fsr-3217	234	25	*	*	PUNCT
fsr-3217	234	26	*	*	PUNCT
fsr-3217	234	27	debt	debt	NOUN
fsr-3217	234	28	counseling	counseling	NOUN
fsr-3217	234	29	�	�	NOUN
fsr-3217	234	30	0.277	0.277	NUM
fsr-3217	234	31	*	*	PUNCT
fsr-3217	234	32	*	*	PUNCT
fsr-3217	234	33	*	*	PUNCT
fsr-3217	234	34	�	�	PROPN
fsr-3217	234	35	9.38	9.38	NUM
fsr-3217	234	36	�	�	NOUN
fsr-3217	234	37	0.432	0.432	NUM
fsr-3217	234	38	*	*	PUNCT
fsr-3217	234	39	*	*	PUNCT
fsr-3217	234	40	*	*	PUNCT
fsr-3217	234	41	�	�	PROPN
fsr-3217	234	42	9.67	9.67	NUM
fsr-3217	234	43	0.649	0.649	NUM
fsr-3217	234	44	*	*	PUNCT
fsr-3217	234	45	*	*	PUNCT
fsr-3217	234	46	*	*	VERB
fsr-3217	234	47	savings	saving	NOUN
fsr-3217	234	48	or	or	CCONJ
fsr-3217	234	49	investments	investment	NOUN
fsr-3217	234	50	0.154	0.154	NUM
fsr-3217	234	51	*	*	PUNCT
fsr-3217	234	52	*	*	PUNCT
fsr-3217	234	53	*	*	PUNCT
fsr-3217	234	54	7.30	7.30	NUM
fsr-3217	234	55	0.247	0.247	NUM
fsr-3217	234	56	*	*	PUNCT
fsr-3217	234	57	*	*	PUNCT
fsr-3217	234	58	*	*	PUNCT
fsr-3217	234	59	7.73	7.73	NUM
fsr-3217	234	60	1.280	1.280	NUM
fsr-3217	234	61	*	*	PUNCT
fsr-3217	234	62	*	*	PUNCT
fsr-3217	234	63	*	*	PUNCT
fsr-3217	234	64	mortgage	mortgage	NOUN
fsr-3217	234	65	or	or	CCONJ
fsr-3217	234	66	loan	loan	NOUN
fsr-3217	234	67	0.109	0.109	NUM
fsr-3217	234	68	*	*	PUNCT
fsr-3217	234	69	*	*	PUNCT
fsr-3217	234	70	*	*	PUNCT
fsr-3217	234	71	5.05	5.05	NUM
fsr-3217	234	72	0.150	0.150	NUM
fsr-3217	234	73	*	*	PUNCT
fsr-3217	234	74	*	*	PUNCT
fsr-3217	234	75	*	*	PUNCT
fsr-3217	234	76	4.59	4.59	NUM
fsr-3217	234	77	1.161	1.161	NUM
fsr-3217	234	78	*	*	PUNCT
fsr-3217	234	79	*	*	PUNCT
fsr-3217	234	80	*	*	PUNCT
fsr-3217	234	81	insurance	insurance	NOUN
fsr-3217	234	82	0.063	0.063	NUM
fsr-3217	234	83	*	*	PUNCT
fsr-3217	234	84	*	*	PUNCT
fsr-3217	234	85	*	*	PUNCT
fsr-3217	234	86	3.12	3.12	NUM
fsr-3217	234	87	0.075	0.075	NUM
fsr-3217	234	88	*	*	PUNCT
fsr-3217	234	89	*	*	PUNCT
fsr-3217	234	90	2.50	2.50	NUM
fsr-3217	234	91	1.078	1.078	NUM
fsr-3217	234	92	*	*	PUNCT
fsr-3217	234	93	*	*	PUNCT
fsr-3217	234	94	tax	tax	NOUN
fsr-3217	234	95	planning	planning	NOUN
fsr-3217	234	96	�	�	PROPN
fsr-3217	234	97	0.016	0.016	NUM
fsr-3217	234	98	�	�	PROPN
fsr-3217	234	99	0.68	0.68	NUM
fsr-3217	234	100	�	�	PROPN
fsr-3217	234	101	0.023	0.023	NUM
fsr-3217	234	102	�	�	PROPN
fsr-3217	234	103	0.64	0.64	NUM
fsr-3217	234	104	0.978	0.978	NUM
fsr-3217	234	105	financial	financial	ADJ
fsr-3217	234	106	education	education	NOUN
fsr-3217	234	107	0.265	0.265	NOUN
fsr-3217	234	108	*	*	PUNCT
fsr-3217	234	109	*	*	PUNCT
fsr-3217	234	110	*	*	PUNCT
fsr-3217	234	111	13.47	13.47	NUM
fsr-3217	234	112	0.414	0.414	NUM
fsr-3217	234	113	*	*	PUNCT
fsr-3217	234	114	*	*	PUNCT
fsr-3217	234	115	*	*	PUNCT
fsr-3217	234	116	13.76	13.76	NUM
fsr-3217	234	117	1.512	1.512	NUM
fsr-3217	234	118	*	*	PUNCT
fsr-3217	234	119	*	*	PUNCT
fsr-3217	234	120	*	*	PUNCT
fsr-3217	234	121	0.271	0.271	NUM
fsr-3217	234	122	*	*	PUNCT
fsr-3217	234	123	*	*	PUNCT
fsr-3217	234	124	*	*	PUNCT
fsr-3217	234	125	13.75	13.75	NUM
fsr-3217	234	126	0.425	0.425	NUM
fsr-3217	234	127	*	*	PUNCT
fsr-3217	234	128	*	*	PUNCT
fsr-3217	234	129	*	*	PUNCT
fsr-3217	234	130	14.09	14.09	NUM
fsr-3217	234	131	1.529	1.529	NUM
fsr-3217	234	132	*	*	PUNCT
fsr-3217	234	133	*	*	PUNCT
fsr-3217	234	134	*	*	PUNCT
fsr-3217	234	135	female	female	ADJ
fsr-3217	234	136	�	�	NOUN
fsr-3217	234	137	0.455	0.455	NUM
fsr-3217	234	138	*	*	PUNCT
fsr-3217	234	139	*	*	PUNCT
fsr-3217	234	140	*	*	PUNCT
fsr-3217	234	141	�	�	PROPN
fsr-3217	234	142	26.83	26.83	NUM
fsr-3217	234	143	�	�	NOUN
fsr-3217	234	144	0.728	0.728	NUM
fsr-3217	234	145	*	*	PUNCT
fsr-3217	234	146	*	*	PUNCT
fsr-3217	234	147	*	*	PUNCT
fsr-3217	234	148	�	�	SYM
fsr-3217	234	149	27.89	27.89	NUM
fsr-3217	234	150	0.483	0.483	NUM
fsr-3217	234	151	*	*	PUNCT
fsr-3217	234	152	*	*	PUNCT
fsr-3217	234	153	*	*	PUNCT
fsr-3217	234	154	�	�	PROPN
fsr-3217	234	155	0.451	0.451	NUM
fsr-3217	234	156	*	*	NOUN
fsr-3217	234	157	*	*	PUNCT
fsr-3217	234	158	*	*	PUNCT
fsr-3217	234	159	�	�	PROPN
fsr-3217	234	160	26.59	26.59	NUM
fsr-3217	234	161	�	�	PROPN
fsr-3217	234	162	0.721	0.721	NUM
fsr-3217	234	163	*	*	PUNCT
fsr-3217	234	164	*	*	PUNCT
fsr-3217	234	165	*	*	PUNCT
fsr-3217	234	166	�	�	PROPN
fsr-3217	234	167	27.62	27.62	NUM
fsr-3217	234	168	0.486	0.486	NUM
fsr-3217	234	169	*	*	PUNCT
fsr-3217	234	170	*	*	PUNCT
fsr-3217	234	171	*	*	PUNCT
fsr-3217	234	172	age	age	NOUN
fsr-3217	234	173	group	group	NOUN
fsr-3217	234	174	(	(	PUNCT
fsr-3217	234	175	reference	reference	NOUN
fsr-3217	234	176	category	category	NOUN
fsr-3217	234	177	:	:	PUNCT
fsr-3217	234	178	18–24	18–24	NUM
fsr-3217	234	179	)	)	PUNCT
fsr-3217	234	180	25–34	25–34	NUM
fsr-3217	234	181	0.189	0.189	NUM
fsr-3217	234	182	*	*	PUNCT
fsr-3217	234	183	*	*	PUNCT
fsr-3217	234	184	*	*	PUNCT
fsr-3217	234	185	5.31	5.31	NUM
fsr-3217	234	186	0.244	0.244	NUM
fsr-3217	234	187	*	*	PUNCT
fsr-3217	234	188	*	*	PUNCT
fsr-3217	234	189	*	*	PUNCT
fsr-3217	234	190	4.56	4.56	NUM
fsr-3217	234	191	1.276	1.276	NUM
fsr-3217	234	192	*	*	PUNCT
fsr-3217	234	193	*	*	PUNCT
fsr-3217	234	194	*	*	PUNCT
fsr-3217	234	195	0.198	0.198	NUM
fsr-3217	234	196	*	*	PUNCT
fsr-3217	234	197	*	*	PUNCT
fsr-3217	234	198	*	*	PUNCT
fsr-3217	234	199	5.56	5.56	NUM
fsr-3217	234	200	0.258	0.258	NUM
fsr-3217	234	201	*	*	PUNCT
fsr-3217	234	202	*	*	PUNCT
fsr-3217	234	203	*	*	PUNCT
fsr-3217	234	204	4.83	4.83	NUM
fsr-3217	234	205	1.294	1.294	NUM
fsr-3217	234	206	*	*	PUNCT
fsr-3217	234	207	*	*	PUNCT
fsr-3217	234	208	*	*	PUNCT
fsr-3217	234	209	35–44	35–44	NUM
fsr-3217	234	210	0.445	0.445	NUM
fsr-3217	234	211	*	*	PUNCT
fsr-3217	234	212	*	*	PUNCT
fsr-3217	234	213	*	*	PUNCT
fsr-3217	234	214	12.21	12.21	NUM
fsr-3217	234	215	0.623	0.623	NUM
fsr-3217	234	216	*	*	PUNCT
fsr-3217	234	217	*	*	PUNCT
fsr-3217	234	218	*	*	PUNCT
fsr-3217	234	219	11.32	11.32	NUM
fsr-3217	234	220	1.865	1.865	NUM
fsr-3217	234	221	*	*	PUNCT
fsr-3217	234	222	*	*	PUNCT
fsr-3217	234	223	*	*	PUNCT
fsr-3217	234	224	0.455	0.455	NUM
fsr-3217	234	225	*	*	PUNCT
fsr-3217	234	226	*	*	PUNCT
fsr-3217	234	227	*	*	PUNCT
fsr-3217	234	228	12.48	12.48	NUM
fsr-3217	234	229	0.642	0.642	NUM
fsr-3217	234	230	*	*	PUNCT
fsr-3217	234	231	*	*	PUNCT
fsr-3217	234	232	*	*	PUNCT
fsr-3217	234	233	11.65	11.65	NUM
fsr-3217	234	234	1.901	1.901	NUM
fsr-3217	234	235	*	*	PUNCT
fsr-3217	234	236	*	*	PUNCT
fsr-3217	234	237	*	*	PUNCT
fsr-3217	235	1	45–54	45–54	NUM
fsr-3217	235	2	0.637	0.637	NUM
fsr-3217	235	3	*	*	PUNCT
fsr-3217	235	4	*	*	PUNCT
fsr-3217	235	5	*	*	PUNCT
fsr-3217	235	6	17.87	17.87	NUM
fsr-3217	235	7	0.897	0.897	NUM
fsr-3217	235	8	*	*	PUNCT
fsr-3217	235	9	*	*	PUNCT
fsr-3217	235	10	*	*	PUNCT
fsr-3217	235	11	16.63	16.63	NUM
fsr-3217	235	12	2.452	2.452	NUM
fsr-3217	235	13	*	*	PUNCT
fsr-3217	235	14	*	*	PUNCT
fsr-3217	235	15	*	*	PUNCT
fsr-3217	235	16	0.640	0.640	NUM
fsr-3217	235	17	*	*	PUNCT
fsr-3217	235	18	*	*	PUNCT
fsr-3217	235	19	*	*	PUNCT
fsr-3217	235	20	17.95	17.95	NUM
fsr-3217	235	21	0.906	0.906	NUM
fsr-3217	235	22	*	*	PUNCT
fsr-3217	235	23	*	*	PUNCT
fsr-3217	235	24	*	*	PUNCT
fsr-3217	235	25	16.79	16.79	NUM
fsr-3217	235	26	2.475	2.475	NUM
fsr-3217	235	27	*	*	PUNCT
fsr-3217	235	28	*	*	PUNCT
fsr-3217	235	29	*	*	PUNCT
fsr-3217	235	30	55–64	55–64	NUM
fsr-3217	235	31	0.751	0.751	NUM
fsr-3217	235	32	*	*	PUNCT
fsr-3217	235	33	*	*	PUNCT
fsr-3217	235	34	*	*	PUNCT
fsr-3217	235	35	20.24	20.24	NUM
fsr-3217	235	36	1.079	1.079	NUM
fsr-3217	235	37	*	*	PUNCT
fsr-3217	235	38	*	*	PUNCT
fsr-3217	235	39	*	*	PUNCT
fsr-3217	235	40	19.18	19.18	NUM
fsr-3217	235	41	2.943	2.943	NUM
fsr-3217	235	42	*	*	PUNCT
fsr-3217	235	43	*	*	PUNCT
fsr-3217	235	44	*	*	PUNCT
fsr-3217	235	45	0.754	0.754	NUM
fsr-3217	235	46	*	*	PUNCT
fsr-3217	235	47	*	*	PUNCT
fsr-3217	235	48	*	*	PUNCT
fsr-3217	235	49	20.31	20.31	NUM
fsr-3217	235	50	1.085	1.085	NUM
fsr-3217	235	51	*	*	PUNCT
fsr-3217	235	52	*	*	PUNCT
fsr-3217	235	53	*	*	PUNCT
fsr-3217	235	54	19.25	19.25	NUM
fsr-3217	235	55	2.958	2.958	NUM
fsr-3217	235	56	*	*	PUNCT
fsr-3217	235	57	*	*	PUNCT
fsr-3217	235	58	*	*	PROPN
fsr-3217	235	59	65	65	NUM
fsr-3217	235	60	�	�	PROPN
fsr-3217	235	61	0.881	0.881	NUM
fsr-3217	235	62	*	*	PUNCT
fsr-3217	235	63	*	*	PUNCT
fsr-3217	235	64	*	*	X
fsr-3217	235	65	20.67	20.67	NUM
fsr-3217	235	66	1.289	1.289	NUM
fsr-3217	235	67	*	*	PUNCT
fsr-3217	235	68	*	*	PUNCT
fsr-3217	235	69	*	*	PUNCT
fsr-3217	235	70	19.86	19.86	NUM
fsr-3217	235	71	3.630	3.630	NUM
fsr-3217	235	72	*	*	PUNCT
fsr-3217	235	73	*	*	PUNCT
fsr-3217	235	74	*	*	PUNCT
fsr-3217	235	75	0.882	0.882	NUM
fsr-3217	235	76	*	*	PUNCT
fsr-3217	235	77	*	*	PUNCT
fsr-3217	235	78	*	*	PUNCT
fsr-3217	235	79	20.70	20.70	NUM
fsr-3217	235	80	1.291	1.291	NUM
fsr-3217	235	81	*	*	PUNCT
fsr-3217	235	82	*	*	PUNCT
fsr-3217	235	83	*	*	PUNCT
fsr-3217	235	84	19.86	19.86	NUM
fsr-3217	235	85	3.637	3.637	NUM
fsr-3217	235	86	*	*	PUNCT
fsr-3217	235	87	*	*	PUNCT
fsr-3217	235	88	*	*	PUNCT
fsr-3217	235	89	black	black	ADJ
fsr-3217	235	90	(	(	PUNCT
fsr-3217	235	91	non	non	ADJ
fsr-3217	235	92	-	-	ADJ
fsr-3217	235	93	hispanic	hispanic	ADJ
fsr-3217	235	94	)	)	PUNCT
fsr-3217	235	95	�	�	NOUN
fsr-3217	235	96	0.294	0.294	NUM
fsr-3217	235	97	*	*	PUNCT
fsr-3217	235	98	*	*	PUNCT
fsr-3217	235	99	*	*	PUNCT
fsr-3217	235	100	�	�	PROPN
fsr-3217	235	101	15.16	15.16	NUM
fsr-3217	235	102	�	�	NOUN
fsr-3217	235	103	0.440	0.440	NOUN
fsr-3217	235	104	*	*	PUNCT
fsr-3217	235	105	*	*	PUNCT
fsr-3217	235	106	*	*	PUNCT
fsr-3217	235	107	�	�	PROPN
fsr-3217	235	108	14.99	14.99	NUM
fsr-3217	235	109	0.644	0.644	NUM
fsr-3217	235	110	*	*	PUNCT
fsr-3217	235	111	*	*	PUNCT
fsr-3217	235	112	*	*	PUNCT
fsr-3217	235	113	�	�	PROPN
fsr-3217	235	114	0.284	0.284	NUM
fsr-3217	235	115	*	*	PUNCT
fsr-3217	235	116	*	*	PUNCT
fsr-3217	235	117	*	*	PUNCT
fsr-3217	235	118	�	�	PROPN
fsr-3217	235	119	14.63	14.63	NUM
fsr-3217	235	120	�	�	NOUN
fsr-3217	235	121	0.427	0.427	NUM
fsr-3217	235	122	*	*	NOUN
fsr-3217	235	123	*	*	PUNCT
fsr-3217	235	124	*	*	PUNCT
fsr-3217	235	125	�	�	PROPN
fsr-3217	235	126	14.53	14.53	NUM
fsr-3217	235	127	0.652	0.652	NUM
fsr-3217	235	128	*	*	X
fsr-3217	235	129	*	*	PUNCT
fsr-3217	235	130	*	*	PUNCT
fsr-3217	235	131	education	education	NOUN
fsr-3217	235	132	(	(	PUNCT
fsr-3217	235	133	reference	reference	NOUN
fsr-3217	235	134	category	category	NOUN
fsr-3217	235	135	:	:	PUNCT
fsr-3217	235	136	did	do	AUX
fsr-3217	235	137	not	not	PART
fsr-3217	235	138	complete	complete	VERB
fsr-3217	235	139	high	high	ADJ
fsr-3217	235	140	school	school	NOUN
fsr-3217	235	141	)	)	PUNCT
fsr-3217	235	142	high	high	ADJ
fsr-3217	235	143	school	school	NOUN
fsr-3217	235	144	0.347	0.347	NOUN
fsr-3217	235	145	*	*	PUNCT
fsr-3217	235	146	*	*	PUNCT
fsr-3217	235	147	*	*	PUNCT
fsr-3217	235	148	9.45	9.45	NUM
fsr-3217	235	149	0.466	0.466	NUM
fsr-3217	235	150	*	*	PUNCT
fsr-3217	235	151	*	*	PUNCT
fsr-3217	235	152	*	*	PUNCT
fsr-3217	235	153	8.45	8.45	NUM
fsr-3217	235	154	1.594	1.594	NUM
fsr-3217	235	155	*	*	PUNCT
fsr-3217	235	156	*	*	PUNCT
fsr-3217	235	157	*	*	PUNCT
fsr-3217	235	158	0.346	0.346	NUM
fsr-3217	235	159	*	*	PUNCT
fsr-3217	235	160	*	*	PUNCT
fsr-3217	235	161	*	*	PUNCT
fsr-3217	235	162	9.44	9.44	NUM
fsr-3217	235	163	0.469	0.469	NUM
fsr-3217	235	164	*	*	PUNCT
fsr-3217	235	165	*	*	PUNCT
fsr-3217	235	166	*	*	PUNCT
fsr-3217	235	167	8.49	8.49	NUM
fsr-3217	235	168	1.598	1.598	NUM
fsr-3217	235	169	*	*	PUNCT
fsr-3217	235	170	*	*	PUNCT
fsr-3217	235	171	*	*	PUNCT
fsr-3217	235	172	ged	ge	VERB
fsr-3217	235	173	0.265	0.265	NOUN
fsr-3217	235	174	*	*	PUNCT
fsr-3217	235	175	*	*	PUNCT
fsr-3217	235	176	*	*	PUNCT
fsr-3217	235	177	5.90	5.90	NUM
fsr-3217	235	178	0.380	0.380	NUM
fsr-3217	235	179	*	*	PUNCT
fsr-3217	235	180	*	*	PUNCT
fsr-3217	235	181	*	*	PUNCT
fsr-3217	236	1	5.64	5.64	NUM
fsr-3217	236	2	1.462	1.462	NUM
fsr-3217	236	3	*	*	PUNCT
fsr-3217	236	4	*	*	PUNCT
fsr-3217	236	5	*	*	PUNCT
fsr-3217	236	6	0.265	0.265	NUM
fsr-3217	236	7	*	*	PUNCT
fsr-3217	236	8	*	*	PUNCT
fsr-3217	236	9	*	*	PUNCT
fsr-3217	236	10	5.91	5.91	NUM
fsr-3217	236	11	0.386	0.386	NUM
fsr-3217	236	12	*	*	PUNCT
fsr-3217	236	13	*	*	PUNCT
fsr-3217	236	14	*	*	PUNCT
fsr-3217	236	15	5.73	5.73	NUM
fsr-3217	236	16	1.471	1.471	NUM
fsr-3217	236	17	*	*	PUNCT
fsr-3217	236	18	*	*	PUNCT
fsr-3217	236	19	*	*	PUNCT
fsr-3217	236	20	some	some	DET
fsr-3217	236	21	college	college	NOUN
fsr-3217	236	22	0.714	0.714	NOUN
fsr-3217	236	23	*	*	PUNCT
fsr-3217	236	24	*	*	PUNCT
fsr-3217	236	25	*	*	PUNCT
fsr-3217	236	26	20.00	20.00	NUM
fsr-3217	236	27	0.990	0.990	NUM
fsr-3217	236	28	*	*	PUNCT
fsr-3217	236	29	*	*	PUNCT
fsr-3217	236	30	*	*	PUNCT
fsr-3217	236	31	18.35	18.35	NUM
fsr-3217	236	32	2.691	2.691	NUM
fsr-3217	236	33	*	*	PUNCT
fsr-3217	236	34	*	*	PUNCT
fsr-3217	236	35	*	*	PUNCT
fsr-3217	236	36	0.716	0.716	NUM
fsr-3217	236	37	*	*	PUNCT
fsr-3217	236	38	*	*	PUNCT
fsr-3217	236	39	*	*	PUNCT
fsr-3217	236	40	20.06	20.06	NUM
fsr-3217	236	41	0.995	0.995	NUM
fsr-3217	236	42	*	*	PUNCT
fsr-3217	236	43	*	*	PUNCT
fsr-3217	236	44	*	*	PUNCT
fsr-3217	236	45	18.43	18.43	NUM
fsr-3217	236	46	2.705	2.705	NUM
fsr-3217	236	47	*	*	PUNCT
fsr-3217	236	48	*	*	PUNCT
fsr-3217	236	49	*	*	PUNCT
fsr-3217	236	50	college	college	NOUN
fsr-3217	236	51	graduate	graduate	NOUN
fsr-3217	236	52	0.963	0.963	NUM
fsr-3217	236	53	*	*	PUNCT
fsr-3217	236	54	*	*	PUNCT
fsr-3217	236	55	*	*	PUNCT
fsr-3217	236	56	25.05	25.05	NUM
fsr-3217	236	57	1.403	1.403	NUM
fsr-3217	236	58	*	*	PUNCT
fsr-3217	236	59	*	*	PUNCT
fsr-3217	236	60	*	*	PUNCT
fsr-3217	236	61	24.00	24.00	NUM
fsr-3217	236	62	4.067	4.067	NUM
fsr-3217	236	63	*	*	PUNCT
fsr-3217	236	64	*	*	PUNCT
fsr-3217	236	65	*	*	PUNCT
fsr-3217	236	66	0.966	0.966	NUM
fsr-3217	236	67	*	*	PUNCT
fsr-3217	236	68	*	*	PUNCT
fsr-3217	236	69	*	*	PUNCT
fsr-3217	236	70	25.14	25.14	NUM
fsr-3217	236	71	1.410	1.410	NUM
fsr-3217	236	72	*	*	PUNCT
fsr-3217	236	73	*	*	PUNCT
fsr-3217	236	74	*	*	PUNCT
fsr-3217	237	1	24.09	24.09	NUM
fsr-3217	237	2	4.098	4.098	NUM
fsr-3217	237	3	*	*	PUNCT
fsr-3217	237	4	*	*	PUNCT
fsr-3217	237	5	*	*	PUNCT
fsr-3217	237	6	post	post	ADJ
fsr-3217	237	7	-	-	ADJ
fsr-3217	237	8	graduate	graduate	ADJ
fsr-3217	237	9	1.111	1.111	NUM
fsr-3217	237	10	*	*	NOUN
fsr-3217	237	11	*	*	PUNCT
fsr-3217	237	12	*	*	PUNCT
fsr-3217	237	13	26.32	26.32	NUM
fsr-3217	237	14	1.700	1.700	NUM
fsr-3217	237	15	*	*	PUNCT
fsr-3217	237	16	*	*	PUNCT
fsr-3217	237	17	*	*	PUNCT
fsr-3217	237	18	26.29	26.29	NUM
fsr-3217	237	19	5.474	5.474	NUM
fsr-3217	237	20	*	*	PUNCT
fsr-3217	237	21	*	*	PUNCT
fsr-3217	237	22	*	*	PUNCT
fsr-3217	237	23	1.108	1.108	NUM
fsr-3217	237	24	*	*	PUNCT
fsr-3217	237	25	*	*	PUNCT
fsr-3217	237	26	*	*	PUNCT
fsr-3217	237	27	26.26	26.26	NUM
fsr-3217	237	28	1.696	1.696	NUM
fsr-3217	237	29	*	*	PUNCT
fsr-3217	237	30	*	*	PUNCT
fsr-3217	237	31	*	*	PUNCT
fsr-3217	237	32	26.18	26.18	NUM
fsr-3217	237	33	5.450	5.450	NUM
fsr-3217	237	34	*	*	PUNCT
fsr-3217	237	35	*	*	PUNCT
fsr-3217	237	36	*	*	PUNCT
fsr-3217	237	37	marital	marital	ADJ
fsr-3217	237	38	status	status	NOUN
fsr-3217	237	39	(	(	PUNCT
fsr-3217	237	40	reference	reference	NOUN
fsr-3217	237	41	category	category	NOUN
fsr-3217	237	42	:	:	PUNCT
fsr-3217	237	43	married	married	ADJ
fsr-3217	237	44	)	)	PUNCT
fsr-3217	237	45	living	live	VERB
fsr-3217	237	46	-	-	PUNCT
fsr-3217	237	47	with	with	ADP
fsr-3217	237	48	-	-	PUNCT
fsr-3217	237	49	partner	partner	NOUN
fsr-3217	237	50	�	�	NOUN
fsr-3217	237	51	0.072	0.072	NUM
fsr-3217	237	52	*	*	PUNCT
fsr-3217	237	53	*	*	PUNCT
fsr-3217	237	54	�	�	PROPN
fsr-3217	237	55	2.26	2.26	NUM
fsr-3217	237	56	�	�	NOUN
fsr-3217	237	57	0.113	0.113	NUM
fsr-3217	237	58	*	*	SYM
fsr-3217	237	59	*	*	PUNCT
fsr-3217	237	60	�	�	PROPN
fsr-3217	237	61	2.40	2.40	NUM
fsr-3217	237	62	0.893	0.893	NUM
fsr-3217	237	63	*	*	PUNCT
fsr-3217	237	64	*	*	PUNCT
fsr-3217	237	65	�	�	PROPN
fsr-3217	237	66	0.077	0.077	NUM
fsr-3217	237	67	*	*	PROPN
fsr-3217	237	68	*	*	PROPN
fsr-3217	237	69	�	�	PROPN
fsr-3217	237	70	2.42	2.42	NUM
fsr-3217	237	71	�	�	NOUN
fsr-3217	237	72	0.122	0.122	NUM
fsr-3217	237	73	*	*	SYM
fsr-3217	237	74	*	*	PUNCT
fsr-3217	237	75	*	*	PUNCT
fsr-3217	237	76	�	�	NOUN
fsr-3217	237	77	2.60	2.60	NUM
fsr-3217	237	78	0.885	0.885	NUM
fsr-3217	237	79	*	*	PUNCT
fsr-3217	237	80	*	*	PUNCT
fsr-3217	237	81	*	*	PUNCT
fsr-3217	237	82	single	single	ADJ
fsr-3217	237	83	�	�	PROPN
fsr-3217	237	84	0.016	0.016	NUM
fsr-3217	237	85	�	�	PROPN
fsr-3217	237	86	0.78	0.78	NUM
fsr-3217	237	87	�	�	PROPN
fsr-3217	237	88	0.005	0.005	NUM
fsr-3217	237	89	�	�	PROPN
fsr-3217	237	90	0.15	0.15	NUM
fsr-3217	237	91	0.995	0.995	NUM
fsr-3217	237	92	�	�	PROPN
fsr-3217	237	93	0.019	0.019	NUM
fsr-3217	237	94	�	�	PROPN
fsr-3217	237	95	0.94	0.94	NUM
fsr-3217	237	96	�	�	PROPN
fsr-3217	237	97	0.011	0.011	NUM
fsr-3217	237	98	�	�	PROPN
fsr-3217	237	99	0.34	0.34	NUM
fsr-3217	237	100	0.989	0.989	NUM
fsr-3217	237	101	income	income	NOUN
fsr-3217	237	102	(	(	PUNCT
fsr-3217	237	103	reference	reference	NOUN
fsr-3217	237	104	category	category	NOUN
fsr-3217	237	105	:	:	PUNCT
fsr-3217	237	106	less	less	ADJ
fsr-3217	237	107	than	than	ADP
fsr-3217	237	108	$	$	SYM
fsr-3217	237	109	15,000	15,000	NUM
fsr-3217	237	110	)	)	PUNCT
fsr-3217	237	111	$	$	SYM
fsr-3217	237	112	15,000	15,000	NUM
fsr-3217	237	113	$	$	SYM
fsr-3217	237	114	24,999	24,999	NUM
fsr-3217	237	115	0.135	0.135	NUM
fsr-3217	237	116	*	*	PUNCT
fsr-3217	237	117	*	*	PUNCT
fsr-3217	237	118	*	*	PUNCT
fsr-3217	237	119	4.00	4.00	NUM
fsr-3217	237	120	0.187	0.187	NUM
fsr-3217	237	121	*	*	PUNCT
fsr-3217	237	122	*	*	PUNCT
fsr-3217	237	123	*	*	PUNCT
fsr-3217	237	124	3.72	3.72	NUM
fsr-3217	237	125	1.206	1.206	NUM
fsr-3217	237	126	*	*	PUNCT
fsr-3217	237	127	*	*	PUNCT
fsr-3217	237	128	*	*	PUNCT
fsr-3217	237	129	0.154	0.154	NUM
fsr-3217	237	130	*	*	PUNCT
fsr-3217	237	131	*	*	PUNCT
fsr-3217	237	132	*	*	PUNCT
fsr-3217	237	133	4.58	4.58	NUM
fsr-3217	237	134	0.214	0.214	NUM
fsr-3217	237	135	*	*	PUNCT
fsr-3217	237	136	*	*	PUNCT
fsr-3217	237	137	*	*	PUNCT
fsr-3217	237	138	4.26	4.26	NUM
fsr-3217	237	139	1.239	1.239	NUM
fsr-3217	237	140	*	*	PUNCT
fsr-3217	237	141	*	*	PUNCT
fsr-3217	237	142	*	*	PUNCT
fsr-3217	237	143	$	$	SYM
fsr-3217	237	144	25,000	25,000	NUM
fsr-3217	237	145	$	$	SYM
fsr-3217	237	146	34,999	34,999	NUM
fsr-3217	237	147	0.231	0.231	NUM
fsr-3217	237	148	*	*	PUNCT
fsr-3217	237	149	*	*	PUNCT
fsr-3217	237	150	*	*	PUNCT
fsr-3217	237	151	6.62	6.62	NUM
fsr-3217	237	152	0.342	0.342	NUM
fsr-3217	237	153	*	*	PUNCT
fsr-3217	237	154	*	*	PUNCT
fsr-3217	237	155	*	*	PUNCT
fsr-3217	237	156	6.49	6.49	NUM
fsr-3217	237	157	1.407	1.407	NUM
fsr-3217	237	158	*	*	PUNCT
fsr-3217	237	159	*	*	PUNCT
fsr-3217	237	160	*	*	PUNCT
fsr-3217	237	161	0.243	0.243	NUM
fsr-3217	237	162	*	*	PUNCT
fsr-3217	237	163	*	*	PUNCT
fsr-3217	237	164	*	*	PUNCT
fsr-3217	237	165	6.98	6.98	NUM
fsr-3217	237	166	0.359	0.359	NUM
fsr-3217	237	167	*	*	PUNCT
fsr-3217	237	168	*	*	PUNCT
fsr-3217	237	169	*	*	PUNCT
fsr-3217	237	170	6.81	6.81	NUM
fsr-3217	237	171	1.431	1.431	NUM
fsr-3217	237	172	*	*	PUNCT
fsr-3217	237	173	*	*	PUNCT
fsr-3217	237	174	*	*	PUNCT
fsr-3217	237	175	$	$	SYM
fsr-3217	237	176	35,000	35,000	NUM
fsr-3217	237	177	$	$	SYM
fsr-3217	237	178	49,999	49,999	NUM
fsr-3217	237	179	0.368	0.368	NUM
fsr-3217	237	180	*	*	PUNCT
fsr-3217	237	181	*	*	PUNCT
fsr-3217	237	182	*	*	PUNCT
fsr-3217	237	183	10.81	10.81	NUM
fsr-3217	237	184	0.513	0.513	NUM
fsr-3217	237	185	*	*	PUNCT
fsr-3217	237	186	*	*	PUNCT
fsr-3217	237	187	*	*	PUNCT
fsr-3217	237	188	10.01	10.01	NUM
fsr-3217	237	189	1.670	1.670	NUM
fsr-3217	237	190	*	*	PUNCT
fsr-3217	237	191	*	*	PUNCT
fsr-3217	237	192	*	*	PUNCT
fsr-3217	237	193	0.385	0.385	NUM
fsr-3217	237	194	*	*	PUNCT
fsr-3217	237	195	*	*	PUNCT
fsr-3217	237	196	*	*	PUNCT
fsr-3217	237	197	11.33	11.33	NUM
fsr-3217	237	198	0.537	0.537	NUM
fsr-3217	237	199	*	*	PUNCT
fsr-3217	237	200	*	*	PUNCT
fsr-3217	237	201	*	*	PUNCT
fsr-3217	237	202	10.48	10.48	NUM
fsr-3217	237	203	1.711	1.711	NUM
fsr-3217	237	204	*	*	PUNCT
fsr-3217	237	205	*	*	PUNCT
fsr-3217	237	206	*	*	PUNCT
fsr-3217	237	207	$	$	SYM
fsr-3217	237	208	50,000	50,000	NUM
fsr-3217	237	209	$	$	SYM
fsr-3217	237	210	74,999	74,999	NUM
fsr-3217	237	211	0.531	0.531	NUM
fsr-3217	237	212	*	*	PUNCT
fsr-3217	237	213	*	*	PUNCT
fsr-3217	237	214	*	*	PUNCT
fsr-3217	237	215	15.60	15.60	NUM
fsr-3217	237	216	0.742	0.742	NUM
fsr-3217	237	217	*	*	PUNCT
fsr-3217	237	218	*	*	PUNCT
fsr-3217	237	219	*	*	PUNCT
fsr-3217	237	220	14.43	14.43	NUM
fsr-3217	237	221	2.100	2.100	NUM
fsr-3217	237	222	*	*	PUNCT
fsr-3217	237	223	*	*	PUNCT
fsr-3217	237	224	*	*	PUNCT
fsr-3217	237	225	0.536	0.536	NUM
fsr-3217	237	226	*	*	PUNCT
fsr-3217	237	227	*	*	PUNCT
fsr-3217	237	228	*	*	PUNCT
fsr-3217	237	229	15.76	15.76	NUM
fsr-3217	237	230	0.748	0.748	NUM
fsr-3217	237	231	*	*	PUNCT
fsr-3217	237	232	*	*	PUNCT
fsr-3217	237	233	*	*	PUNCT
fsr-3217	237	234	14.55	14.55	NUM
fsr-3217	237	235	2.114	2.114	NUM
fsr-3217	237	236	*	*	PUNCT
fsr-3217	237	237	*	*	PUNCT
fsr-3217	237	238	*	*	PUNCT
fsr-3217	237	239	$	$	SYM
fsr-3217	237	240	75,000	75,000	NUM
fsr-3217	237	241	$	$	SYM
fsr-3217	237	242	99,999	99,999	NUM
fsr-3217	237	243	0.644	0.644	NUM
fsr-3217	237	244	*	*	PUNCT
fsr-3217	237	245	*	*	PUNCT
fsr-3217	237	246	*	*	PUNCT
fsr-3217	237	247	16.96	16.96	NUM
fsr-3217	237	248	0.941	0.941	NUM
fsr-3217	237	249	*	*	PUNCT
fsr-3217	237	250	*	*	PUNCT
fsr-3217	237	251	*	*	PUNCT
fsr-3217	237	252	16.25	16.25	NUM
fsr-3217	237	253	2.561	2.561	NUM
fsr-3217	237	254	*	*	PUNCT
fsr-3217	237	255	*	*	PUNCT
fsr-3217	237	256	*	*	PUNCT
fsr-3217	237	257	0.640	0.640	NUM
fsr-3217	237	258	*	*	PUNCT
fsr-3217	237	259	*	*	PUNCT
fsr-3217	237	260	*	*	PUNCT
fsr-3217	237	261	16.84	16.84	NUM
fsr-3217	237	262	0.933	0.933	NUM
fsr-3217	237	263	*	*	PUNCT
fsr-3217	237	264	*	*	PUNCT
fsr-3217	237	265	*	*	PUNCT
fsr-3217	237	266	16.06	16.06	NUM
fsr-3217	237	267	2.541	2.541	NUM
fsr-3217	237	268	*	*	PUNCT
fsr-3217	237	269	*	*	PUNCT
fsr-3217	237	270	*	*	PUNCT
fsr-3217	237	271	$	$	SYM
fsr-3217	237	272	100,000	100,000	NUM
fsr-3217	237	273	$	$	SYM
fsr-3217	237	274	149,999	149,999	NUM
fsr-3217	237	275	0.755	0.755	NUM
fsr-3217	237	276	*	*	PUNCT
fsr-3217	237	277	*	*	PUNCT
fsr-3217	237	278	*	*	PUNCT
fsr-3217	237	279	19.03	19.03	NUM
fsr-3217	237	280	1.146	1.146	NUM
fsr-3217	237	281	*	*	PUNCT
fsr-3217	237	282	*	*	PUNCT
fsr-3217	237	283	*	*	PUNCT
fsr-3217	237	284	18.88	18.88	NUM
fsr-3217	237	285	3.144	3.144	NUM
fsr-3217	237	286	*	*	PUNCT
fsr-3217	237	287	*	*	PUNCT
fsr-3217	237	288	*	*	PUNCT
fsr-3217	237	289	0.744	0.744	NUM
fsr-3217	237	290	*	*	PUNCT
fsr-3217	237	291	*	*	PUNCT
fsr-3217	237	292	*	*	PUNCT
fsr-3217	237	293	18.69	18.69	NUM
fsr-3217	237	294	1.126	1.126	NUM
fsr-3217	237	295	*	*	PUNCT
fsr-3217	237	296	*	*	PUNCT
fsr-3217	237	297	*	*	PUNCT
fsr-3217	237	298	18.46	18.46	NUM
fsr-3217	237	299	3.083	3.083	NUM
fsr-3217	237	300	*	*	PUNCT
fsr-3217	237	301	*	*	PUNCT
fsr-3217	237	302	*	*	PUNCT
fsr-3217	237	303	$	$	SYM
fsr-3217	237	304	150,000	150,000	NUM
fsr-3217	237	305	or	or	CCONJ
fsr-3217	237	306	more	more	ADJ
fsr-3217	237	307	0.835	0.835	NUM
fsr-3217	237	308	*	*	PUNCT
fsr-3217	237	309	*	*	PUNCT
fsr-3217	237	310	*	*	PUNCT
fsr-3217	237	311	18.55	18.55	NUM
fsr-3217	237	312	1.372	1.372	NUM
fsr-3217	237	313	*	*	PUNCT
fsr-3217	237	314	*	*	PUNCT
fsr-3217	237	315	*	*	PUNCT
fsr-3217	237	316	19.52	19.52	NUM
fsr-3217	237	317	3.942	3.942	NUM
fsr-3217	237	318	*	*	PUNCT
fsr-3217	237	319	*	*	PUNCT
fsr-3217	237	320	*	*	PUNCT
fsr-3217	237	321	0.818	0.818	NUM
fsr-3217	237	322	*	*	PUNCT
fsr-3217	237	323	*	*	PUNCT
fsr-3217	237	324	*	*	PUNCT
fsr-3217	237	325	18.02	18.02	NUM
fsr-3217	237	326	1.341	1.341	NUM
fsr-3217	237	327	*	*	PUNCT
fsr-3217	237	328	*	*	PUNCT
fsr-3217	237	329	*	*	PUNCT
fsr-3217	237	330	18.93	18.93	NUM
fsr-3217	237	331	3.824	3.824	NUM
fsr-3217	237	332	*	*	PUNCT
fsr-3217	237	333	*	*	PUNCT
fsr-3217	237	334	*	*	PUNCT
fsr-3217	237	335	employment	employment	NOUN
fsr-3217	237	336	(	(	PUNCT
fsr-3217	237	337	reference	reference	NOUN
fsr-3217	237	338	category	category	NOUN
fsr-3217	237	339	:	:	PUNCT
fsr-3217	237	340	self	self	NOUN
fsr-3217	237	341	-	-	PUNCT
fsr-3217	237	342	employed	employ	VERB
fsr-3217	237	343	)	)	PUNCT
fsr-3217	237	344	employed	employ	VERB
fsr-3217	237	345	full	full	ADJ
fsr-3217	237	346	-	-	PUNCT
fsr-3217	237	347	time	time	NOUN
fsr-3217	237	348	�	�	PROPN
fsr-3217	237	349	0.070	0.070	NUM
fsr-3217	237	350	*	*	SYM
fsr-3217	237	351	*	*	PROPN
fsr-3217	237	352	�	�	PROPN
fsr-3217	237	353	2.20	2.20	NUM
fsr-3217	237	354	�	�	PROPN
fsr-3217	237	355	0.127	0.127	NUM
fsr-3217	237	356	*	*	PUNCT
fsr-3217	237	357	*	*	PUNCT
fsr-3217	237	358	*	*	PUNCT
fsr-3217	237	359	�	�	PROPN
fsr-3217	237	360	2.61	2.61	NUM
fsr-3217	237	361	0.881	0.881	NUM
fsr-3217	237	362	*	*	PUNCT
fsr-3217	237	363	*	*	PUNCT
fsr-3217	237	364	*	*	X
fsr-3217	237	365	�	�	PROPN
fsr-3217	237	366	0.069	0.069	NUM
fsr-3217	237	367	*	*	SYM
fsr-3217	237	368	*	*	PROPN
fsr-3217	237	369	�	�	PROPN
fsr-3217	237	370	2.15	2.15	NUM
fsr-3217	237	371	�	�	NOUN
fsr-3217	237	372	0.125	0.125	NUM
fsr-3217	237	373	*	*	PUNCT
fsr-3217	237	374	*	*	X
fsr-3217	237	375	�	�	PROPN
fsr-3217	237	376	2.57	2.57	NUM
fsr-3217	237	377	0.882	0.882	NUM
fsr-3217	237	378	*	*	PUNCT
fsr-3217	237	379	*	*	PUNCT
fsr-3217	237	380	employed	employ	VERB
fsr-3217	237	381	part	part	ADJ
fsr-3217	237	382	-	-	PUNCT
fsr-3217	237	383	time	time	NOUN
fsr-3217	237	384	�	�	PROPN
fsr-3217	237	385	0.123	0.123	NUM
fsr-3217	237	386	*	*	PUNCT
fsr-3217	237	387	*	*	PUNCT
fsr-3217	237	388	*	*	PROPN
fsr-3217	237	389	�	�	PROPN
fsr-3217	237	390	3.13	3.13	NUM
fsr-3217	237	391	�	�	NOUN
fsr-3217	237	392	0.204	0.204	NUM
fsr-3217	237	393	*	*	PUNCT
fsr-3217	237	394	*	*	PUNCT
fsr-3217	237	395	*	*	PUNCT
fsr-3217	237	396	�	�	PROPN
fsr-3217	237	397	3.41	3.41	NUM
fsr-3217	237	398	0.816	0.816	NUM
fsr-3217	237	399	*	*	PUNCT
fsr-3217	237	400	*	*	PUNCT
fsr-3217	237	401	*	*	PUNCT
fsr-3217	237	402	�	�	NOUN
fsr-3217	237	403	0.126	0.126	NUM
fsr-3217	237	404	*	*	PUNCT
fsr-3217	237	405	*	*	PUNCT
fsr-3217	237	406	*	*	PUNCT
fsr-3217	237	407	�	�	PROPN
fsr-3217	237	408	3.21	3.21	NUM
fsr-3217	237	409	�	�	NOUN
fsr-3217	237	410	0.209	0.209	NUM
fsr-3217	237	411	*	*	PUNCT
fsr-3217	237	412	*	*	PUNCT
fsr-3217	237	413	*	*	PUNCT
fsr-3217	237	414	�	�	PROPN
fsr-3217	237	415	3.50	3.50	NUM
fsr-3217	237	416	0.812	0.812	NUM
fsr-3217	237	417	*	*	PUNCT
fsr-3217	237	418	*	*	PUNCT
fsr-3217	237	419	*	*	PROPN
fsr-3217	237	420	homemaker	homemaker	NOUN
fsr-3217	237	421	�	�	PROPN
fsr-3217	237	422	0.165	0.165	NUM
fsr-3217	237	423	*	*	PUNCT
fsr-3217	237	424	*	*	PUNCT
fsr-3217	237	425	*	*	PUNCT
fsr-3217	237	426	�	�	PROPN
fsr-3217	237	427	4.10	4.10	NUM
fsr-3217	237	428	�	�	NOUN
fsr-3217	237	429	0.235	0.235	NUM
fsr-3217	237	430	*	*	NOUN
fsr-3217	237	431	*	*	PUNCT
fsr-3217	237	432	*	*	PUNCT
fsr-3217	237	433	�	�	PROPN
fsr-3217	237	434	3.87	3.87	NUM
fsr-3217	237	435	0.790	0.790	NUM
fsr-3217	237	436	*	*	PUNCT
fsr-3217	237	437	*	*	PUNCT
fsr-3217	237	438	*	*	NOUN
fsr-3217	237	439	�	�	PROPN
fsr-3217	237	440	0.170	0.170	NUM
fsr-3217	237	441	*	*	PUNCT
fsr-3217	237	442	*	*	PUNCT
fsr-3217	237	443	*	*	PUNCT
fsr-3217	237	444	�	�	PROPN
fsr-3217	237	445	4.21	4.21	NUM
fsr-3217	237	446	�	�	NOUN
fsr-3217	237	447	0.244	0.244	NUM
fsr-3217	237	448	*	*	PUNCT
fsr-3217	237	449	*	*	PUNCT
fsr-3217	237	450	*	*	PUNCT
fsr-3217	237	451	�	�	NOUN
fsr-3217	237	452	4.01	4.01	NUM
fsr-3217	237	453	0.783	0.783	NUM
fsr-3217	237	454	*	*	PUNCT
fsr-3217	237	455	*	*	PUNCT
fsr-3217	237	456	*	*	PUNCT
fsr-3217	237	457	full	full	ADJ
fsr-3217	237	458	-	-	PUNCT
fsr-3217	237	459	time	time	NOUN
fsr-3217	237	460	student	student	NOUN
fsr-3217	237	461	0.157	0.157	NUM
fsr-3217	237	462	*	*	PUNCT
fsr-3217	237	463	*	*	PUNCT
fsr-3217	237	464	*	*	PUNCT
fsr-3217	237	465	2.91	2.91	NUM
fsr-3217	237	466	0.197	0.197	NUM
fsr-3217	237	467	*	*	PUNCT
fsr-3217	237	468	*	*	PUNCT
fsr-3217	237	469	2.40	2.40	NUM
fsr-3217	237	470	1.218	1.218	NUM
fsr-3217	237	471	*	*	PUNCT
fsr-3217	237	472	*	*	PUNCT
fsr-3217	237	473	0.154	0.154	NUM
fsr-3217	237	474	*	*	PUNCT
fsr-3217	237	475	*	*	PUNCT
fsr-3217	237	476	*	*	PUNCT
fsr-3217	237	477	2.85	2.85	NUM
fsr-3217	237	478	0.187	0.187	NUM
fsr-3217	237	479	*	*	PUNCT
fsr-3217	237	480	*	*	PUNCT
fsr-3217	237	481	2.29	2.29	NUM
fsr-3217	237	482	1.206	1.206	NUM
fsr-3217	237	483	*	*	PUNCT
fsr-3217	237	484	*	*	PUNCT
fsr-3217	237	485	disabled	disabled	ADJ
fsr-3217	237	486	�	�	NOUN
fsr-3217	237	487	0.219	0.219	NUM
fsr-3217	237	488	*	*	PUNCT
fsr-3217	237	489	*	*	PUNCT
fsr-3217	237	490	*	*	PUNCT
fsr-3217	237	491	�	�	PROPN
fsr-3217	237	492	4.68	4.68	NUM
fsr-3217	237	493	�	�	NOUN
fsr-3217	237	494	0.344	0.344	NOUN
fsr-3217	237	495	*	*	PUNCT
fsr-3217	237	496	*	*	PUNCT
fsr-3217	237	497	*	*	PUNCT
fsr-3217	237	498	�	�	PROPN
fsr-3217	237	499	4.88	4.88	NUM
fsr-3217	237	500	0.709	0.709	NUM
fsr-3217	237	501	*	*	PUNCT
fsr-3217	237	502	*	*	PUNCT
fsr-3217	237	503	*	*	PUNCT
fsr-3217	237	504	�	�	PRON
fsr-3217	237	505	0.214	0.214	NOUN
fsr-3217	237	506	*	*	PUNCT
fsr-3217	237	507	*	*	PUNCT
fsr-3217	237	508	*	*	PUNCT
fsr-3217	237	509	�	�	PROPN
fsr-3217	237	510	4.58	4.58	NUM
fsr-3217	237	511	�	�	NOUN
fsr-3217	237	512	0.337	0.337	NUM
fsr-3217	237	513	*	*	PUNCT
fsr-3217	237	514	*	*	PUNCT
fsr-3217	237	515	*	*	PUNCT
fsr-3217	237	516	�	�	NOUN
fsr-3217	237	517	4.77	4.77	NUM
fsr-3217	237	518	0.714	0.714	NUM
fsr-3217	237	519	*	*	PUNCT
fsr-3217	237	520	*	*	PUNCT
fsr-3217	237	521	*	*	PUNCT
fsr-3217	237	522	unemployed	unemployed	PROPN
fsr-3217	237	523	�	�	PROPN
fsr-3217	237	524	0.104	0.104	NUM
fsr-3217	237	525	*	*	SYM
fsr-3217	237	526	*	*	PROPN
fsr-3217	237	527	�	�	PROPN
fsr-3217	237	528	2.48	2.48	NUM
fsr-3217	237	529	�	�	NOUN
fsr-3217	237	530	0.177	0.177	NUM
fsr-3217	237	531	*	*	PUNCT
fsr-3217	237	532	*	*	PUNCT
fsr-3217	237	533	*	*	PUNCT
fsr-3217	237	534	�	�	PROPN
fsr-3217	237	535	2.81	2.81	NUM
fsr-3217	237	536	0.838	0.838	NUM
fsr-3217	237	537	*	*	PUNCT
fsr-3217	237	538	*	*	PUNCT
fsr-3217	237	539	*	*	PUNCT
fsr-3217	237	540	�	�	PROPN
fsr-3217	237	541	0.104	0.104	NUM
fsr-3217	237	542	*	*	SYM
fsr-3217	237	543	*	*	PROPN
fsr-3217	237	544	�	�	PROPN
fsr-3217	237	545	2.49	2.49	NUM
fsr-3217	237	546	�	�	NOUN
fsr-3217	237	547	0.179	0.179	NOUN
fsr-3217	237	548	*	*	PUNCT
fsr-3217	237	549	*	*	PUNCT
fsr-3217	237	550	*	*	PUNCT
fsr-3217	237	551	�	�	X
fsr-3217	237	552	2.84	2.84	NUM
fsr-3217	237	553	0.836	0.836	NUM
fsr-3217	237	554	*	*	PUNCT
fsr-3217	237	555	*	*	PUNCT
fsr-3217	237	556	*	*	PUNCT
fsr-3217	237	557	retired	retired	ADJ
fsr-3217	237	558	�	�	PROPN
fsr-3217	237	559	0.095	0.095	NUM
fsr-3217	237	560	*	*	PUNCT
fsr-3217	237	561	*	*	PROPN
fsr-3217	237	562	�	�	PROPN
fsr-3217	237	563	2.53	2.53	NUM
fsr-3217	237	564	�	�	NOUN
fsr-3217	237	565	0.146	0.146	NUM
fsr-3217	237	566	*	*	NOUN
fsr-3217	237	567	*	*	NOUN
fsr-3217	237	568	�	�	PROPN
fsr-3217	237	569	2.53	2.53	NUM
fsr-3217	237	570	0.864	0.864	NUM
fsr-3217	237	571	*	*	PUNCT
fsr-3217	237	572	*	*	PUNCT
fsr-3217	237	573	�	�	PROPN
fsr-3217	237	574	0.101	0.101	NUM
fsr-3217	237	575	*	*	PUNCT
fsr-3217	237	576	*	*	PUNCT
fsr-3217	237	577	*	*	PUNCT
fsr-3217	237	578	�	�	PROPN
fsr-3217	237	579	2.67	2.67	NUM
fsr-3217	237	580	�	�	NOUN
fsr-3217	237	581	0.154	0.154	NUM
fsr-3217	237	582	*	*	PUNCT
fsr-3217	237	583	*	*	PUNCT
fsr-3217	237	584	*	*	PUNCT
fsr-3217	237	585	�	�	PROPN
fsr-3217	237	586	2.67	2.67	NUM
fsr-3217	237	587	0.857	0.857	NUM
fsr-3217	237	588	*	*	PUNCT
fsr-3217	237	589	*	*	PUNCT
fsr-3217	237	590	*	*	PROPN
fsr-3217	237	591	region	region	NOUN
fsr-3217	237	592	(	(	PUNCT
fsr-3217	237	593	reference	reference	NOUN
fsr-3217	237	594	category	category	NOUN
fsr-3217	237	595	:	:	PUNCT
fsr-3217	237	596	northeast	northeast	ADJ
fsr-3217	237	597	)	)	PUNCT
fsr-3217	237	598	midwest	midwest	PROPN
fsr-3217	237	599	0.064	0.064	NUM
fsr-3217	237	600	*	*	PUNCT
fsr-3217	237	601	*	*	NOUN
fsr-3217	237	602	2.54	2.54	NUM
fsr-3217	237	603	0.098	0.098	NUM
fsr-3217	237	604	*	*	PUNCT
fsr-3217	237	605	*	*	PUNCT
fsr-3217	237	606	2.54	2.54	NUM
fsr-3217	237	607	1.103	1.103	NUM
fsr-3217	237	608	*	*	PUNCT
fsr-3217	237	609	*	*	PUNCT
fsr-3217	237	610	0.063	0.063	NUM
fsr-3217	237	611	*	*	PUNCT
fsr-3217	237	612	*	*	PUNCT
fsr-3217	237	613	2.48	2.48	NUM
fsr-3217	237	614	0.094	0.094	NUM
fsr-3217	237	615	*	*	PUNCT
fsr-3217	237	616	*	*	PUNCT
fsr-3217	237	617	2.44	2.44	NUM
fsr-3217	237	618	1.099	1.099	NUM
fsr-3217	237	619	*	*	PUNCT
fsr-3217	237	620	*	*	PROPN
fsr-3217	237	621	south	south	NOUN
fsr-3217	237	622	0.041	0.041	NUM
fsr-3217	237	623	*	*	PROPN
fsr-3217	237	624	1.72	1.72	NUM
fsr-3217	237	625	0.045	0.045	NUM
fsr-3217	237	626	1.22	1.22	NUM
fsr-3217	237	627	1.046	1.046	NUM
fsr-3217	237	628	0.042	0.042	NUM
fsr-3217	237	629	*	*	NUM
fsr-3217	237	630	1.77	1.77	NUM
fsr-3217	237	631	0.046	0.046	NUM
fsr-3217	237	632	1.26	1.26	NUM
fsr-3217	237	633	1.047	1.047	NUM
fsr-3217	237	634	west	west	NOUN
fsr-3217	237	635	0.167	0.167	NUM
fsr-3217	237	636	*	*	PUNCT
fsr-3217	237	637	*	*	PUNCT
fsr-3217	237	638	*	*	PUNCT
fsr-3217	237	639	6.66	6.66	NUM
fsr-3217	237	640	0.240	0.240	NUM
fsr-3217	237	641	*	*	PUNCT
fsr-3217	237	642	*	*	PUNCT
fsr-3217	237	643	*	*	PUNCT
fsr-3217	237	644	6.29	6.29	NUM
fsr-3217	237	645	1.272	1.272	NUM
fsr-3217	237	646	*	*	PUNCT
fsr-3217	237	647	*	*	PUNCT
fsr-3217	237	648	*	*	PUNCT
fsr-3217	237	649	0.169	0.169	NUM
fsr-3217	237	650	*	*	PUNCT
fsr-3217	237	651	*	*	PUNCT
fsr-3217	237	652	*	*	PUNCT
fsr-3217	237	653	6.75	6.75	NUM
fsr-3217	237	654	0.243	0.243	NUM
fsr-3217	237	655	*	*	PUNCT
fsr-3217	237	656	*	*	PUNCT
fsr-3217	237	657	*	*	PUNCT
fsr-3217	237	658	6.37	6.37	NUM
fsr-3217	237	659	1.276	1.276	NUM
fsr-3217	237	660	*	*	PUNCT
fsr-3217	237	661	*	*	PUNCT
fsr-3217	237	662	*	*	PUNCT
fsr-3217	237	663	observations	observation	NOUN
fsr-3217	237	664	22,218	22,218	NUM
fsr-3217	237	665	22,218	22,218	NUM
fsr-3217	237	666	22,218	22,218	NUM
fsr-3217	237	667	22,218	22,218	NUM
fsr-3217	237	668	adjusted	adjust	VERB
fsr-3217	237	669	r2	r2	NOUN
fsr-3217	237	670	0.296	0.296	NUM
fsr-3217	237	671	0.297	0.297	NUM
fsr-3217	237	672	this	this	DET
fsr-3217	237	673	table	table	NOUN
fsr-3217	237	674	reports	report	VERB
fsr-3217	237	675	ols	ol	NOUN
fsr-3217	237	676	and	and	CCONJ
fsr-3217	237	677	ordered	order	VERB
fsr-3217	237	678	logit	logit	PROPN
fsr-3217	237	679	regression	regression	NOUN
fsr-3217	237	680	results	result	NOUN
fsr-3217	237	681	where	where	SCONJ
fsr-3217	237	682	the	the	DET
fsr-3217	237	683	dependent	dependent	ADJ
fsr-3217	237	684	variable	variable	NOUN
fsr-3217	237	685	,	,	PUNCT
fsr-3217	237	686	financial	financial	ADJ
fsr-3217	237	687	literacy	literacy	NOUN
fsr-3217	237	688	score	score	NOUN
fsr-3217	237	689	,	,	PUNCT
fsr-3217	237	690	is	be	AUX
fsr-3217	237	691	set	set	VERB
fsr-3217	237	692	equal	equal	ADJ
fsr-3217	237	693	to	to	ADP
fsr-3217	237	694	the	the	DET
fsr-3217	237	695	number	number	NOUN
fsr-3217	237	696	of	of	ADP
fsr-3217	237	697	financial	financial	ADJ
fsr-3217	237	698	literacy	literacy	NOUN
fsr-3217	237	699	questions	question	NOUN
fsr-3217	237	700	answered	answer	VERB
fsr-3217	237	701	correctly	correctly	ADV
fsr-3217	237	702	,	,	PUNCT
fsr-3217	237	703	ranging	range	VERB
fsr-3217	237	704	from	from	ADP
fsr-3217	237	705	0	0	NUM
fsr-3217	237	706	to	to	ADP
fsr-3217	237	707	5	5	NUM
fsr-3217	237	708	.	.	PUNCT
fsr-3217	238	1	the	the	DET
fsr-3217	238	2	independent	independent	ADJ
fsr-3217	238	3	variables	variable	NOUN
fsr-3217	238	4	include	include	VERB
fsr-3217	238	5	financial	financial	ADJ
fsr-3217	238	6	education	education	NOUN
fsr-3217	238	7	,	,	PUNCT
fsr-3217	238	8	female	female	NOUN
fsr-3217	238	9	,	,	PUNCT
fsr-3217	238	10	age	age	NOUN
fsr-3217	238	11	group	group	NOUN
fsr-3217	238	12	,	,	PUNCT
fsr-3217	238	13	black	black	ADJ
fsr-3217	238	14	(	(	PUNCT
fsr-3217	238	15	non	non	ADJ
fsr-3217	238	16	-	-	ADJ
fsr-3217	238	17	hispanic	hispanic	ADJ
fsr-3217	238	18	)	)	PUNCT
fsr-3217	238	19	,	,	PUNCT
fsr-3217	238	20	education	education	NOUN
fsr-3217	238	21	,	,	PUNCT
fsr-3217	238	22	marital	marital	ADJ
fsr-3217	238	23	status	status	NOUN
fsr-3217	238	24	,	,	PUNCT
fsr-3217	238	25	income	income	NOUN
fsr-3217	238	26	,	,	PUNCT
fsr-3217	238	27	employment	employment	NOUN
fsr-3217	238	28	,	,	PUNCT
fsr-3217	238	29	and	and	CCONJ
fsr-3217	238	30	region	region	NOUN
fsr-3217	238	31	.	.	PUNCT
fsr-3217	239	1	the	the	DET
fsr-3217	239	2	independent	independent	ADJ
fsr-3217	239	3	variable	variable	NOUN
fsr-3217	239	4	of	of	ADP
fsr-3217	239	5	interest	interest	NOUN
fsr-3217	239	6	in	in	ADP
fsr-3217	239	7	the	the	DET
fsr-3217	239	8	left	left	ADJ
fsr-3217	239	9	panel	panel	NOUN
fsr-3217	239	10	,	,	PUNCT
fsr-3217	239	11	fa	fa	PROPN
fsr-3217	239	12	user	user	NOUN
fsr-3217	239	13	,	,	PUNCT
fsr-3217	239	14	is	be	AUX
fsr-3217	239	15	set	set	VERB
fsr-3217	239	16	equal	equal	ADJ
fsr-3217	239	17	to	to	ADP
fsr-3217	239	18	1	1	NUM
fsr-3217	239	19	if	if	SCONJ
fsr-3217	239	20	the	the	DET
fsr-3217	239	21	person	person	NOUN
fsr-3217	239	22	used	use	VERB
fsr-3217	239	23	one	one	NUM
fsr-3217	239	24	or	or	CCONJ
fsr-3217	239	25	more	more	ADJ
fsr-3217	239	26	of	of	ADP
fsr-3217	239	27	the	the	DET
fsr-3217	239	28	five	five	NUM
fsr-3217	239	29	types	type	NOUN
fsr-3217	239	30	of	of	ADP
fsr-3217	239	31	financial	financial	ADJ
fsr-3217	239	32	advisers	adviser	NOUN
fsr-3217	239	33	,	,	PUNCT
fsr-3217	239	34	or	or	CCONJ
fsr-3217	239	35	0	0	NUM
fsr-3217	239	36	otherwise	otherwise	ADV
fsr-3217	239	37	.	.	PUNCT
fsr-3217	240	1	the	the	DET
fsr-3217	240	2	independent	independent	ADJ
fsr-3217	240	3	variable	variable	NOUN
fsr-3217	240	4	of	of	ADP
fsr-3217	240	5	interest	interest	NOUN
fsr-3217	240	6	in	in	ADP
fsr-3217	240	7	the	the	DET
fsr-3217	240	8	right	right	ADJ
fsr-3217	240	9	panel	panel	NOUN
fsr-3217	240	10	,	,	PUNCT
fsr-3217	240	11	the	the	DET
fsr-3217	240	12	five	five	NUM
fsr-3217	240	13	specific	specific	ADJ
fsr-3217	240	14	financial	financial	ADJ
fsr-3217	240	15	adviser	adviser	NOUN
fsr-3217	240	16	types	type	NOUN
fsr-3217	240	17	,	,	PUNCT
fsr-3217	240	18	are	be	AUX
fsr-3217	240	19	set	set	VERB
fsr-3217	240	20	equal	equal	ADJ
fsr-3217	240	21	to	to	ADP
fsr-3217	240	22	1	1	NUM
fsr-3217	240	23	if	if	SCONJ
fsr-3217	240	24	the	the	DET
fsr-3217	240	25	person	person	NOUN
fsr-3217	240	26	used	use	VERB
fsr-3217	240	27	that	that	DET
fsr-3217	240	28	financial	financial	ADJ
fsr-3217	240	29	adviser	adviser	NOUN
fsr-3217	240	30	type	type	NOUN
fsr-3217	240	31	,	,	PUNCT
fsr-3217	240	32	or	or	CCONJ
fsr-3217	240	33	0	0	NUM
fsr-3217	240	34	otherwise	otherwise	ADV
fsr-3217	240	35	.	.	PUNCT
fsr-3217	241	1	*	*	PUNCT
fsr-3217	242	1	*	*	PUNCT
fsr-3217	242	2	*	*	PUNCT
fsr-3217	242	3	,	,	PUNCT
fsr-3217	242	4	*	*	PUNCT
fsr-3217	242	5	*	*	PUNCT
fsr-3217	242	6	,	,	PUNCT
fsr-3217	242	7	and	and	CCONJ
fsr-3217	242	8	*	*	PUNCT
fsr-3217	242	9	denote	denote	NOUN
fsr-3217	242	10	significance	significance	NOUN
fsr-3217	242	11	at	at	ADP
fsr-3217	242	12	the	the	DET
fsr-3217	242	13	1	1	NUM
fsr-3217	242	14	%	%	NOUN
fsr-3217	242	15	,	,	PUNCT
fsr-3217	242	16	5	5	NUM
fsr-3217	242	17	%	%	NOUN
fsr-3217	242	18	,	,	PUNCT
fsr-3217	242	19	and	and	CCONJ
fsr-3217	242	20	10	10	NUM
fsr-3217	242	21	%	%	NOUN
fsr-3217	242	22	levels	level	NOUN
fsr-3217	242	23	,	,	PUNCT
fsr-3217	242	24	respectively	respectively	ADV
fsr-3217	242	25	.	.	PUNCT
fsr-3217	243	1	143b	143b	PROPN
fsr-3217	243	2	.	.	PUNCT
fsr-3217	244	1	balasubramnian	balasubramnian	PROPN
fsr-3217	244	2	,	,	PUNCT
fsr-3217	244	3	e.r	e.r	PROPN
fsr-3217	244	4	.	.	NOUN
fsr-3217	244	5	brisker	brisk	ADJ
fsr-3217	244	6	/	/	SYM
fsr-3217	244	7	financial	financial	ADJ
fsr-3217	244	8	services	service	NOUN
fsr-3217	244	9	review	review	VERB
fsr-3217	244	10	25	25	NUM
fsr-3217	244	11	(	(	PUNCT
fsr-3217	244	12	2016	2016	NUM
fsr-3217	244	13	)	)	PUNCT
fsr-3217	245	1	127–155	127–155	NUM
fsr-3217	245	2	51	51	NUM
fsr-3217	245	3	%	%	NOUN
fsr-3217	245	4	.	.	PUNCT
fsr-3217	246	1	we	we	PRON
fsr-3217	246	2	also	also	ADV
fsr-3217	246	3	find	find	VERB
fsr-3217	246	4	that	that	SCONJ
fsr-3217	246	5	female	female	NOUN
fsr-3217	246	6	is	be	AUX
fsr-3217	246	7	associated	associate	VERB
fsr-3217	246	8	with	with	ADP
fsr-3217	246	9	a	a	DET
fsr-3217	246	10	52	52	NUM
fsr-3217	246	11	%	%	NOUN
fsr-3217	246	12	decline	decline	NOUN
fsr-3217	246	13	in	in	ADP
fsr-3217	246	14	the	the	DET
fsr-3217	246	15	probability	probability	NOUN
fsr-3217	246	16	of	of	ADP
fsr-3217	246	17	answering	answer	VERB
fsr-3217	246	18	more	more	ADJ
fsr-3217	246	19	financial	financial	ADJ
fsr-3217	246	20	literacy	literacy	NOUN
fsr-3217	246	21	questions	question	NOUN
fsr-3217	246	22	correctly	correctly	ADV
fsr-3217	246	23	which	which	PRON
fsr-3217	246	24	is	be	AUX
fsr-3217	246	25	consistent	consistent	ADJ
fsr-3217	246	26	with	with	ADP
fsr-3217	246	27	lusardi	lusardi	PROPN
fsr-3217	246	28	and	and	CCONJ
fsr-3217	246	29	mitchell	mitchell	PROPN
fsr-3217	246	30	(	(	PUNCT
fsr-3217	246	31	2008	2008	NUM
fsr-3217	246	32	)	)	PUNCT
fsr-3217	246	33	that	that	PRON
fsr-3217	246	34	find	find	VERB
fsr-3217	246	35	females	female	NOUN
fsr-3217	246	36	have	have	VERB
fsr-3217	246	37	lower	low	ADJ
fsr-3217	246	38	levels	level	NOUN
fsr-3217	246	39	of	of	ADP
fsr-3217	246	40	financial	financial	ADJ
fsr-3217	246	41	literacy	literacy	NOUN
fsr-3217	246	42	.	.	PUNCT
fsr-3217	247	1	black	black	ADJ
fsr-3217	247	2	(	(	PUNCT
fsr-3217	247	3	nonhispanic	nonhispanic	ADJ
fsr-3217	247	4	)	)	PUNCT
fsr-3217	247	5	is	be	AUX
fsr-3217	247	6	associated	associate	VERB
fsr-3217	247	7	with	with	ADP
fsr-3217	247	8	a	a	DET
fsr-3217	247	9	36	36	NUM
fsr-3217	247	10	%	%	NOUN
fsr-3217	247	11	decline	decline	NOUN
fsr-3217	247	12	in	in	ADP
fsr-3217	247	13	the	the	DET
fsr-3217	247	14	probability	probability	NOUN
fsr-3217	247	15	of	of	ADP
fsr-3217	247	16	answering	answer	VERB
fsr-3217	247	17	more	more	ADJ
fsr-3217	247	18	financial	financial	ADJ
fsr-3217	247	19	literacy	literacy	NOUN
fsr-3217	247	20	questions	question	NOUN
fsr-3217	247	21	correctly	correctly	ADV
fsr-3217	247	22	.	.	PUNCT
fsr-3217	248	1	we	we	PRON
fsr-3217	248	2	find	find	VERB
fsr-3217	248	3	a	a	DET
fsr-3217	248	4	monotonically	monotonically	ADV
fsr-3217	248	5	increasing	increase	VERB
fsr-3217	248	6	probability	probability	NOUN
fsr-3217	248	7	of	of	ADP
fsr-3217	248	8	higher	high	ADJ
fsr-3217	248	9	financial	financial	ADJ
fsr-3217	248	10	literacy	literacy	NOUN
fsr-3217	248	11	scores	score	NOUN
fsr-3217	248	12	across	across	ADP
fsr-3217	248	13	higher	high	ADJ
fsr-3217	248	14	age	age	NOUN
fsr-3217	248	15	groups	group	NOUN
fsr-3217	248	16	,	,	PUNCT
fsr-3217	248	17	education	education	NOUN
fsr-3217	248	18	levels	level	NOUN
fsr-3217	248	19	,	,	PUNCT
fsr-3217	248	20	and	and	CCONJ
fsr-3217	248	21	income	income	NOUN
fsr-3217	248	22	levels	level	NOUN
fsr-3217	248	23	.	.	PUNCT
fsr-3217	249	1	for	for	ADP
fsr-3217	249	2	marital	marital	ADJ
fsr-3217	249	3	status	status	NOUN
fsr-3217	249	4	and	and	CCONJ
fsr-3217	249	5	employment	employment	NOUN
fsr-3217	249	6	,	,	PUNCT
fsr-3217	249	7	those	those	DET
fsr-3217	249	8	“	"	PUNCT
fsr-3217	249	9	living	live	VERB
fsr-3217	249	10	-	-	PUNCT
fsr-3217	249	11	with	with	ADP
fsr-3217	249	12	-	-	PUNCT
fsr-3217	249	13	partner	partner	NOUN
fsr-3217	249	14	”	"	PUNCT
fsr-3217	249	15	are	be	AUX
fsr-3217	249	16	11	11	NUM
fsr-3217	249	17	%	%	NOUN
fsr-3217	249	18	less	less	ADV
fsr-3217	249	19	likely	likely	ADJ
fsr-3217	249	20	to	to	PART
fsr-3217	249	21	answer	answer	VERB
fsr-3217	249	22	more	more	ADJ
fsr-3217	249	23	financial	financial	ADJ
fsr-3217	249	24	literacy	literacy	NOUN
fsr-3217	249	25	questions	question	NOUN
fsr-3217	249	26	correctly	correctly	ADV
fsr-3217	249	27	compared	compare	VERB
fsr-3217	249	28	with	with	ADP
fsr-3217	249	29	those	those	PRON
fsr-3217	249	30	that	that	PRON
fsr-3217	249	31	are	be	AUX
fsr-3217	249	32	married	married	ADJ
fsr-3217	249	33	,	,	PUNCT
fsr-3217	249	34	and	and	CCONJ
fsr-3217	249	35	self	self	NOUN
fsr-3217	249	36	-	-	PUNCT
fsr-3217	249	37	employed	employ	VERB
fsr-3217	249	38	individuals	individual	NOUN
fsr-3217	249	39	are	be	AUX
fsr-3217	249	40	more	more	ADV
fsr-3217	249	41	likely	likely	ADJ
fsr-3217	249	42	to	to	PART
fsr-3217	249	43	answer	answer	VERB
fsr-3217	249	44	more	more	ADJ
fsr-3217	249	45	questions	question	NOUN
fsr-3217	249	46	correctly	correctly	ADV
fsr-3217	249	47	.	.	PUNCT
fsr-3217	250	1	for	for	ADP
fsr-3217	250	2	region	region	NOUN
fsr-3217	250	3	,	,	PUNCT
fsr-3217	250	4	those	those	PRON
fsr-3217	250	5	living	live	VERB
fsr-3217	250	6	in	in	ADP
fsr-3217	250	7	the	the	DET
fsr-3217	250	8	midwest	midwest	NOUN
fsr-3217	250	9	and	and	CCONJ
fsr-3217	250	10	west	west	PROPN
fsr-3217	250	11	are	be	AUX
fsr-3217	250	12	10	10	NUM
fsr-3217	250	13	%	%	NOUN
fsr-3217	250	14	and	and	CCONJ
fsr-3217	250	15	27	27	NUM
fsr-3217	250	16	%	%	NOUN
fsr-3217	250	17	more	more	ADV
fsr-3217	250	18	likely	likely	ADJ
fsr-3217	250	19	to	to	PART
fsr-3217	250	20	answer	answer	VERB
fsr-3217	250	21	more	more	ADJ
fsr-3217	250	22	financial	financial	ADJ
fsr-3217	250	23	literacy	literacy	NOUN
fsr-3217	250	24	questions	question	NOUN
fsr-3217	250	25	correctly	correctly	ADV
fsr-3217	250	26	,	,	PUNCT
fsr-3217	250	27	respectively	respectively	ADV
fsr-3217	250	28	.	.	PUNCT
fsr-3217	251	1	our	our	PRON
fsr-3217	251	2	main	main	ADJ
fsr-3217	251	3	variable	variable	NOUN
fsr-3217	251	4	of	of	ADP
fsr-3217	251	5	interest	interest	NOUN
fsr-3217	251	6	,	,	PUNCT
fsr-3217	251	7	fa	fa	PROPN
fsr-3217	251	8	user	user	NOUN
fsr-3217	251	9	,	,	PUNCT
fsr-3217	251	10	indicates	indicate	VERB
fsr-3217	251	11	that	that	SCONJ
fsr-3217	251	12	those	those	PRON
fsr-3217	251	13	using	use	VERB
fsr-3217	251	14	financial	financial	ADJ
fsr-3217	251	15	advisers	adviser	NOUN
fsr-3217	251	16	are	be	AUX
fsr-3217	251	17	33.5	33.5	NUM
fsr-3217	251	18	%	%	NOUN
fsr-3217	251	19	more	more	ADV
fsr-3217	251	20	likely	likely	ADJ
fsr-3217	251	21	to	to	PART
fsr-3217	251	22	answer	answer	VERB
fsr-3217	251	23	more	more	ADJ
fsr-3217	251	24	financial	financial	ADJ
fsr-3217	251	25	literacy	literacy	NOUN
fsr-3217	251	26	questions	question	NOUN
fsr-3217	251	27	correctly	correctly	ADV
fsr-3217	251	28	compared	compare	VERB
fsr-3217	251	29	with	with	ADP
fsr-3217	251	30	those	those	PRON
fsr-3217	251	31	that	that	PRON
fsr-3217	251	32	did	do	AUX
fsr-3217	251	33	not	not	PART
fsr-3217	251	34	use	use	VERB
fsr-3217	251	35	financial	financial	ADJ
fsr-3217	251	36	advisers	adviser	NOUN
fsr-3217	251	37	.	.	PUNCT
fsr-3217	252	1	this	this	DET
fsr-3217	252	2	estimate	estimate	NOUN
fsr-3217	252	3	is	be	AUX
fsr-3217	252	4	highly	highly	ADV
fsr-3217	252	5	statistically	statistically	ADV
fsr-3217	252	6	significant	significant	ADJ
fsr-3217	252	7	,	,	PUNCT
fsr-3217	252	8	and	and	CCONJ
fsr-3217	252	9	reinforces	reinforce	VERB
fsr-3217	252	10	the	the	DET
fsr-3217	252	11	ols	ol	NOUN
fsr-3217	252	12	results	result	NOUN
fsr-3217	252	13	that	that	SCONJ
fsr-3217	252	14	financial	financial	ADJ
fsr-3217	252	15	advisers	adviser	NOUN
fsr-3217	252	16	positively	positively	ADV
fsr-3217	252	17	influence	influence	VERB
fsr-3217	252	18	the	the	DET
fsr-3217	252	19	financial	financial	ADJ
fsr-3217	252	20	literacy	literacy	NOUN
fsr-3217	252	21	of	of	ADP
fsr-3217	252	22	their	their	PRON
fsr-3217	252	23	clients	client	NOUN
fsr-3217	252	24	,	,	PUNCT
fsr-3217	252	25	even	even	ADV
fsr-3217	252	26	when	when	SCONJ
fsr-3217	252	27	controlling	control	VERB
fsr-3217	252	28	for	for	ADP
fsr-3217	252	29	other	other	ADJ
fsr-3217	252	30	demographic	demographic	ADJ
fsr-3217	252	31	characteristics	characteristic	NOUN
fsr-3217	252	32	that	that	PRON
fsr-3217	252	33	are	be	AUX
fsr-3217	252	34	also	also	ADV
fsr-3217	252	35	positively	positively	ADV
fsr-3217	252	36	related	relate	VERB
fsr-3217	252	37	to	to	ADP
fsr-3217	252	38	higher	high	ADJ
fsr-3217	252	39	financial	financial	ADJ
fsr-3217	252	40	literacy	literacy	NOUN
fsr-3217	252	41	scores	score	NOUN
fsr-3217	252	42	.	.	PUNCT
fsr-3217	253	1	in	in	ADP
fsr-3217	253	2	the	the	DET
fsr-3217	253	3	right	right	ADJ
fsr-3217	253	4	panel	panel	NOUN
fsr-3217	253	5	of	of	ADP
fsr-3217	253	6	table	table	NOUN
fsr-3217	253	7	5	5	NUM
fsr-3217	253	8	we	we	PRON
fsr-3217	253	9	re	re	VERB
fsr-3217	253	10	-	-	VERB
fsr-3217	253	11	estimate	estimate	VERB
fsr-3217	253	12	both	both	DET
fsr-3217	253	13	the	the	DET
fsr-3217	253	14	ols	ol	NOUN
fsr-3217	253	15	and	and	CCONJ
fsr-3217	253	16	ordered	order	VERB
fsr-3217	253	17	logit	logit	NOUN
fsr-3217	253	18	models	model	NOUN
fsr-3217	253	19	where	where	SCONJ
fsr-3217	253	20	we	we	PRON
fsr-3217	253	21	replace	replace	VERB
fsr-3217	253	22	the	the	DET
fsr-3217	253	23	fa	fa	PROPN
fsr-3217	253	24	user	user	NOUN
fsr-3217	253	25	independent	independent	ADJ
fsr-3217	253	26	dummy	dummy	ADJ
fsr-3217	253	27	variable	variable	NOUN
fsr-3217	253	28	with	with	ADP
fsr-3217	253	29	dummy	dummy	ADJ
fsr-3217	253	30	variables	variable	NOUN
fsr-3217	253	31	for	for	ADP
fsr-3217	253	32	each	each	DET
fsr-3217	253	33	financial	financial	ADJ
fsr-3217	253	34	adviser	adviser	NOUN
fsr-3217	253	35	type	type	NOUN
fsr-3217	253	36	,	,	PUNCT
fsr-3217	253	37	separately	separately	ADV
fsr-3217	253	38	,	,	PUNCT
fsr-3217	253	39	to	to	PART
fsr-3217	253	40	determine	determine	VERB
fsr-3217	253	41	the	the	DET
fsr-3217	253	42	impact	impact	NOUN
fsr-3217	253	43	each	each	DET
fsr-3217	253	44	adviser	adviser	NOUN
fsr-3217	253	45	type	type	NOUN
fsr-3217	253	46	has	have	VERB
fsr-3217	253	47	on	on	ADP
fsr-3217	253	48	financial	financial	ADJ
fsr-3217	253	49	literacy	literacy	NOUN
fsr-3217	253	50	.	.	PUNCT
fsr-3217	254	1	the	the	DET
fsr-3217	254	2	results	result	NOUN
fsr-3217	254	3	for	for	ADP
fsr-3217	254	4	the	the	DET
fsr-3217	254	5	demographic	demographic	ADJ
fsr-3217	254	6	characteristic	characteristic	ADJ
fsr-3217	254	7	control	control	NOUN
fsr-3217	254	8	variables	variable	NOUN
fsr-3217	254	9	are	be	AUX
fsr-3217	254	10	similar	similar	ADJ
fsr-3217	254	11	to	to	ADP
fsr-3217	254	12	those	those	PRON
fsr-3217	254	13	reported	report	VERB
fsr-3217	254	14	for	for	ADP
fsr-3217	254	15	the	the	DET
fsr-3217	254	16	original	original	ADJ
fsr-3217	254	17	model	model	NOUN
fsr-3217	254	18	specification	specification	NOUN
fsr-3217	254	19	above	above	ADV
fsr-3217	254	20	.	.	PUNCT
fsr-3217	255	1	in	in	ADP
fsr-3217	255	2	the	the	DET
fsr-3217	255	3	first	first	ADJ
fsr-3217	255	4	two	two	NUM
fsr-3217	255	5	columns	column	NOUN
fsr-3217	255	6	using	use	VERB
fsr-3217	255	7	the	the	DET
fsr-3217	255	8	ols	ol	NOUN
fsr-3217	255	9	specification	specification	NOUN
fsr-3217	255	10	,	,	PUNCT
fsr-3217	255	11	we	we	PRON
fsr-3217	255	12	find	find	VERB
fsr-3217	255	13	that	that	SCONJ
fsr-3217	255	14	only	only	ADV
fsr-3217	255	15	savings	saving	NOUN
fsr-3217	255	16	and	and	CCONJ
fsr-3217	255	17	investments	investment	NOUN
fsr-3217	255	18	,	,	PUNCT
fsr-3217	255	19	mortgage	mortgage	NOUN
fsr-3217	255	20	or	or	CCONJ
fsr-3217	255	21	loan	loan	NOUN
fsr-3217	255	22	,	,	PUNCT
fsr-3217	255	23	and	and	CCONJ
fsr-3217	255	24	insurance	insurance	NOUN
fsr-3217	255	25	advisers	adviser	NOUN
fsr-3217	255	26	are	be	AUX
fsr-3217	255	27	positively	positively	ADV
fsr-3217	255	28	related	relate	VERB
fsr-3217	255	29	to	to	ADP
fsr-3217	255	30	higher	high	ADJ
fsr-3217	255	31	financial	financial	ADJ
fsr-3217	255	32	literacy	literacy	NOUN
fsr-3217	255	33	scores	score	NOUN
fsr-3217	255	34	,	,	PUNCT
fsr-3217	255	35	but	but	CCONJ
fsr-3217	255	36	tax	tax	NOUN
fsr-3217	255	37	planning	planning	NOUN
fsr-3217	255	38	advisers	adviser	NOUN
fsr-3217	255	39	do	do	AUX
fsr-3217	255	40	not	not	PART
fsr-3217	255	41	significantly	significantly	ADV
fsr-3217	255	42	impact	impact	VERB
fsr-3217	255	43	financial	financial	ADJ
fsr-3217	255	44	literacy	literacy	NOUN
fsr-3217	255	45	scores	score	NOUN
fsr-3217	255	46	.	.	PUNCT
fsr-3217	256	1	the	the	DET
fsr-3217	256	2	ordered	order	VERB
fsr-3217	256	3	logit	logit	PROPN
fsr-3217	256	4	model	model	NOUN
fsr-3217	256	5	reveals	reveal	VERB
fsr-3217	256	6	that	that	SCONJ
fsr-3217	256	7	savings	saving	NOUN
fsr-3217	256	8	and	and	CCONJ
fsr-3217	256	9	investments	investment	NOUN
fsr-3217	256	10	increase	increase	VERB
fsr-3217	256	11	the	the	DET
fsr-3217	256	12	probability	probability	NOUN
fsr-3217	256	13	of	of	ADP
fsr-3217	256	14	obtaining	obtain	VERB
fsr-3217	256	15	a	a	DET
fsr-3217	256	16	higher	high	ADJ
fsr-3217	256	17	financial	financial	ADJ
fsr-3217	256	18	literacy	literacy	NOUN
fsr-3217	256	19	score	score	NOUN
fsr-3217	256	20	by	by	ADP
fsr-3217	256	21	28	28	NUM
fsr-3217	256	22	%	%	NOUN
fsr-3217	256	23	,	,	PUNCT
fsr-3217	256	24	while	while	SCONJ
fsr-3217	256	25	mortgage	mortgage	NOUN
fsr-3217	256	26	or	or	CCONJ
fsr-3217	256	27	loan	loan	NOUN
fsr-3217	256	28	and	and	CCONJ
fsr-3217	256	29	insurance	insurance	NOUN
fsr-3217	256	30	advisers	adviser	NOUN
fsr-3217	256	31	increases	increase	VERB
fsr-3217	256	32	this	this	DET
fsr-3217	256	33	probability	probability	NOUN
fsr-3217	256	34	by	by	ADP
fsr-3217	256	35	16	16	NUM
fsr-3217	256	36	%	%	NOUN
fsr-3217	256	37	and	and	CCONJ
fsr-3217	256	38	8	8	NUM
fsr-3217	256	39	%	%	NOUN
fsr-3217	256	40	,	,	PUNCT
fsr-3217	256	41	respectively	respectively	ADV
fsr-3217	256	42	,	,	PUNCT
fsr-3217	256	43	and	and	CCONJ
fsr-3217	256	44	tax	tax	NOUN
fsr-3217	256	45	planning	planning	NOUN
fsr-3217	256	46	advisers	adviser	NOUN
fsr-3217	256	47	have	have	VERB
fsr-3217	256	48	no	no	DET
fsr-3217	256	49	significant	significant	ADJ
fsr-3217	256	50	impact	impact	NOUN
fsr-3217	256	51	on	on	ADP
fsr-3217	256	52	financial	financial	ADJ
fsr-3217	256	53	literacy	literacy	NOUN
fsr-3217	256	54	.	.	PUNCT
fsr-3217	257	1	we	we	PRON
fsr-3217	257	2	find	find	VERB
fsr-3217	257	3	that	that	SCONJ
fsr-3217	257	4	financial	financial	ADJ
fsr-3217	257	5	literacy	literacy	NOUN
fsr-3217	257	6	scores	score	NOUN
fsr-3217	257	7	are	be	AUX
fsr-3217	257	8	negatively	negatively	ADV
fsr-3217	257	9	related	relate	VERB
fsr-3217	257	10	to	to	ADP
fsr-3217	257	11	debt	debt	NOUN
fsr-3217	257	12	counseling	counseling	NOUN
fsr-3217	257	13	advisers	adviser	NOUN
fsr-3217	257	14	,	,	PUNCT
fsr-3217	257	15	where	where	SCONJ
fsr-3217	257	16	debt	debt	NOUN
fsr-3217	257	17	counselors	counselor	NOUN
fsr-3217	257	18	appear	appear	VERB
fsr-3217	257	19	to	to	PART
fsr-3217	257	20	negatively	negatively	ADV
fsr-3217	257	21	influence	influence	VERB
fsr-3217	257	22	the	the	DET
fsr-3217	257	23	financial	financial	ADJ
fsr-3217	257	24	literacy	literacy	NOUN
fsr-3217	257	25	of	of	ADP
fsr-3217	257	26	their	their	PRON
fsr-3217	257	27	clients	client	NOUN
fsr-3217	257	28	and	and	CCONJ
fsr-3217	257	29	reduce	reduce	VERB
fsr-3217	257	30	the	the	DET
fsr-3217	257	31	probability	probability	NOUN
fsr-3217	257	32	of	of	ADP
fsr-3217	257	33	a	a	DET
fsr-3217	257	34	higher	high	ADJ
fsr-3217	257	35	financial	financial	ADJ
fsr-3217	257	36	literacy	literacy	NOUN
fsr-3217	257	37	score	score	NOUN
fsr-3217	257	38	by	by	ADP
fsr-3217	257	39	65	65	NUM
fsr-3217	257	40	%	%	NOUN
fsr-3217	257	41	.	.	PUNCT
fsr-3217	258	1	robb	robb	NOUN
fsr-3217	258	2	,	,	PUNCT
fsr-3217	258	3	babiarz	babiarz	NOUN
fsr-3217	258	4	,	,	PUNCT
fsr-3217	258	5	and	and	CCONJ
fsr-3217	258	6	woodyard	woodyard	PROPN
fsr-3217	258	7	(	(	PUNCT
fsr-3217	258	8	2012	2012	NUM
fsr-3217	258	9	)	)	PUNCT
fsr-3217	258	10	,	,	PUNCT
fsr-3217	258	11	using	use	VERB
fsr-3217	258	12	the	the	DET
fsr-3217	258	13	2009	2009	NUM
fsr-3217	258	14	nfcs	nfc	NOUN
fsr-3217	258	15	survey	survey	NOUN
fsr-3217	258	16	,	,	PUNCT
fsr-3217	258	17	also	also	ADV
fsr-3217	258	18	find	find	VERB
fsr-3217	258	19	a	a	DET
fsr-3217	258	20	negative	negative	ADJ
fsr-3217	258	21	relationship	relationship	NOUN
fsr-3217	258	22	between	between	ADP
fsr-3217	258	23	using	use	VERB
fsr-3217	258	24	debt	debt	NOUN
fsr-3217	258	25	counselors	counselor	NOUN
fsr-3217	258	26	and	and	CCONJ
fsr-3217	258	27	financial	financial	ADJ
fsr-3217	258	28	literacy	literacy	NOUN
fsr-3217	258	29	scores	score	NOUN
fsr-3217	258	30	because	because	SCONJ
fsr-3217	258	31	those	those	DET
fsr-3217	258	32	individuals	individual	NOUN
fsr-3217	258	33	appear	appear	VERB
fsr-3217	258	34	to	to	PART
fsr-3217	258	35	make	make	VERB
fsr-3217	258	36	financial	financial	ADJ
fsr-3217	258	37	mistakes	mistake	NOUN
fsr-3217	258	38	in	in	ADP
fsr-3217	258	39	the	the	DET
fsr-3217	258	40	first	first	ADJ
fsr-3217	258	41	place	place	NOUN
fsr-3217	258	42	and	and	CCONJ
fsr-3217	258	43	do	do	AUX
fsr-3217	258	44	not	not	PART
fsr-3217	258	45	learn	learn	VERB
fsr-3217	258	46	from	from	ADP
fsr-3217	258	47	their	their	PRON
fsr-3217	258	48	experiences	experience	NOUN
fsr-3217	258	49	.	.	PUNCT
fsr-3217	259	1	gathergood	gathergood	NOUN
fsr-3217	259	2	(	(	PUNCT
fsr-3217	259	3	2012	2012	NUM
fsr-3217	259	4	)	)	PUNCT
fsr-3217	259	5	suggests	suggest	VERB
fsr-3217	259	6	debt	debt	NOUN
fsr-3217	259	7	counseling	counseling	NOUN
fsr-3217	259	8	services	service	NOUN
fsr-3217	259	9	involves	involve	VERB
fsr-3217	259	10	offering	offer	VERB
fsr-3217	259	11	solutions	solution	NOUN
fsr-3217	259	12	to	to	ADP
fsr-3217	259	13	existing	exist	VERB
fsr-3217	259	14	debt	debt	NOUN
fsr-3217	259	15	problems	problem	NOUN
fsr-3217	259	16	,	,	PUNCT
fsr-3217	259	17	such	such	ADJ
fsr-3217	259	18	as	as	ADP
fsr-3217	259	19	debt	debt	NOUN
fsr-3217	259	20	-	-	PUNCT
fsr-3217	259	21	repayment	repayment	NOUN
fsr-3217	259	22	plans	plan	NOUN
fsr-3217	259	23	,	,	PUNCT
fsr-3217	259	24	usually	usually	ADV
fsr-3217	259	25	to	to	ADP
fsr-3217	259	26	clients	client	NOUN
fsr-3217	259	27	that	that	PRON
fsr-3217	259	28	lack	lack	VERB
fsr-3217	259	29	self	self	NOUN
fsr-3217	259	30	-	-	PUNCT
fsr-3217	259	31	control	control	NOUN
fsr-3217	259	32	,	,	PUNCT
fsr-3217	259	33	have	have	VERB
fsr-3217	259	34	lower	low	ADJ
fsr-3217	259	35	levels	level	NOUN
fsr-3217	259	36	of	of	ADP
fsr-3217	259	37	financial	financial	ADJ
fsr-3217	259	38	literacy	literacy	NOUN
fsr-3217	259	39	,	,	PUNCT
fsr-3217	259	40	and	and	CCONJ
fsr-3217	259	41	are	be	AUX
fsr-3217	259	42	considered	consider	VERB
fsr-3217	259	43	poor	poor	ADJ
fsr-3217	259	44	learners	learner	NOUN
fsr-3217	259	45	.	.	PUNCT
fsr-3217	260	1	it	it	PRON
fsr-3217	260	2	appears	appear	VERB
fsr-3217	260	3	that	that	SCONJ
fsr-3217	260	4	the	the	DET
fsr-3217	260	5	debt	debt	NOUN
fsr-3217	260	6	counselor	counselor	NOUN
fsr-3217	260	7	results	result	NOUN
fsr-3217	260	8	are	be	AUX
fsr-3217	260	9	consistent	consistent	ADJ
fsr-3217	260	10	with	with	ADP
fsr-3217	260	11	this	this	DET
fsr-3217	260	12	characterization	characterization	NOUN
fsr-3217	260	13	of	of	ADP
fsr-3217	260	14	individuals	individual	NOUN
fsr-3217	260	15	that	that	PRON
fsr-3217	260	16	use	use	VERB
fsr-3217	260	17	debt	debt	NOUN
fsr-3217	260	18	counselors	counselor	NOUN
fsr-3217	260	19	.	.	PUNCT
fsr-3217	261	1	this	this	PRON
fsr-3217	261	2	is	be	AUX
fsr-3217	261	3	also	also	ADV
fsr-3217	261	4	consistent	consistent	ADJ
fsr-3217	261	5	with	with	ADP
fsr-3217	261	6	our	our	PRON
fsr-3217	261	7	univariate	univariate	ADJ
fsr-3217	261	8	results	result	NOUN
fsr-3217	261	9	reported	report	VERB
fsr-3217	261	10	in	in	ADP
fsr-3217	261	11	table	table	NOUN
fsr-3217	261	12	1	1	NUM
fsr-3217	261	13	,	,	PUNCT
fsr-3217	261	14	panel	panel	NOUN
fsr-3217	261	15	b	b	NOUN
fsr-3217	261	16	,	,	PUNCT
fsr-3217	261	17	where	where	SCONJ
fsr-3217	261	18	we	we	PRON
fsr-3217	261	19	find	find	VERB
fsr-3217	261	20	that	that	SCONJ
fsr-3217	261	21	debt	debt	NOUN
fsr-3217	261	22	counselor	counselor	NOUN
fsr-3217	261	23	users	user	NOUN
fsr-3217	261	24	perform	perform	VERB
fsr-3217	261	25	very	very	ADV
fsr-3217	261	26	well	well	ADV
fsr-3217	261	27	on	on	ADP
fsr-3217	261	28	the	the	DET
fsr-3217	261	29	financial	financial	ADJ
fsr-3217	261	30	literacy	literacy	NOUN
fsr-3217	261	31	question	question	NOUN
fsr-3217	261	32	related	relate	VERB
fsr-3217	261	33	to	to	ADP
fsr-3217	261	34	the	the	DET
fsr-3217	261	35	total	total	ADJ
fsr-3217	261	36	interest	interest	NOUN
fsr-3217	261	37	paid	pay	VERB
fsr-3217	261	38	over	over	ADP
fsr-3217	261	39	a	a	DET
fsr-3217	261	40	15	15	NUM
fsr-3217	261	41	-	-	PUNCT
fsr-3217	261	42	year	year	NOUN
fsr-3217	261	43	mortgage	mortgage	NOUN
fsr-3217	261	44	versus	versus	ADP
fsr-3217	261	45	a	a	DET
fsr-3217	261	46	30	30	NUM
fsr-3217	261	47	-	-	PUNCT
fsr-3217	261	48	year	year	NOUN
fsr-3217	261	49	mortgage	mortgage	NOUN
fsr-3217	261	50	,	,	PUNCT
fsr-3217	261	51	but	but	CCONJ
fsr-3217	261	52	underperform	underperform	NOUN
fsr-3217	261	53	on	on	ADP
fsr-3217	261	54	the	the	DET
fsr-3217	261	55	other	other	ADJ
fsr-3217	261	56	financial	financial	ADJ
fsr-3217	261	57	literacy	literacy	NOUN
fsr-3217	261	58	questions	question	NOUN
fsr-3217	261	59	.	.	PUNCT
fsr-3217	262	1	this	this	PRON
fsr-3217	262	2	suggests	suggest	VERB
fsr-3217	262	3	that	that	SCONJ
fsr-3217	262	4	debt	debt	NOUN
fsr-3217	262	5	counselors	counselor	NOUN
fsr-3217	262	6	do	do	AUX
fsr-3217	262	7	not	not	PART
fsr-3217	262	8	influence	influence	VERB
fsr-3217	262	9	the	the	DET
fsr-3217	262	10	financial	financial	ADJ
fsr-3217	262	11	literacy	literacy	NOUN
fsr-3217	262	12	of	of	ADP
fsr-3217	262	13	their	their	PRON
fsr-3217	262	14	clients	client	NOUN
fsr-3217	262	15	in	in	ADP
fsr-3217	262	16	the	the	DET
fsr-3217	262	17	same	same	ADJ
fsr-3217	262	18	manner	manner	NOUN
fsr-3217	262	19	that	that	PRON
fsr-3217	262	20	other	other	ADJ
fsr-3217	262	21	adviser	adviser	NOUN
fsr-3217	262	22	types	type	NOUN
fsr-3217	262	23	144	144	NUM
fsr-3217	262	24	b.	b.	PROPN
fsr-3217	262	25	balasubramnian	balasubramnian	PROPN
fsr-3217	262	26	,	,	PUNCT
fsr-3217	262	27	e.r	e.r	PROPN
fsr-3217	262	28	.	.	NOUN
fsr-3217	262	29	brisker	brisk	ADJ
fsr-3217	262	30	/	/	SYM
fsr-3217	262	31	financial	financial	ADJ
fsr-3217	262	32	services	service	NOUN
fsr-3217	262	33	review	review	VERB
fsr-3217	262	34	25	25	NUM
fsr-3217	262	35	(	(	PUNCT
fsr-3217	262	36	2016	2016	NUM
fsr-3217	262	37	)	)	PUNCT
fsr-3217	262	38	127–155	127–155	NUM
fsr-3217	262	39	do	do	AUX
fsr-3217	262	40	because	because	SCONJ
fsr-3217	262	41	they	they	PRON
fsr-3217	262	42	focus	focus	VERB
fsr-3217	262	43	on	on	ADP
fsr-3217	262	44	topics	topic	NOUN
fsr-3217	262	45	specifically	specifically	ADV
fsr-3217	262	46	related	relate	VERB
fsr-3217	262	47	to	to	ADP
fsr-3217	262	48	interest	interest	NOUN
fsr-3217	262	49	rates	rate	NOUN
fsr-3217	262	50	and	and	CCONJ
fsr-3217	262	51	interest	interest	NOUN
fsr-3217	262	52	payments	payment	NOUN
fsr-3217	262	53	related	relate	VERB
fsr-3217	262	54	to	to	ADP
fsr-3217	262	55	debt	debt	NOUN
fsr-3217	262	56	products	product	NOUN
fsr-3217	262	57	.	.	PUNCT
fsr-3217	263	1	in	in	ADP
fsr-3217	263	2	summary	summary	NOUN
fsr-3217	263	3	,	,	PUNCT
fsr-3217	263	4	using	use	VERB
fsr-3217	263	5	both	both	DET
fsr-3217	263	6	ols	ol	NOUN
fsr-3217	263	7	and	and	CCONJ
fsr-3217	263	8	ordered	order	VERB
fsr-3217	263	9	logit	logit	NOUN
fsr-3217	263	10	models	model	NOUN
fsr-3217	263	11	,	,	PUNCT
fsr-3217	263	12	we	we	PRON
fsr-3217	263	13	find	find	VERB
fsr-3217	263	14	that	that	SCONJ
fsr-3217	263	15	financial	financial	ADJ
fsr-3217	263	16	advisers	adviser	NOUN
fsr-3217	263	17	,	,	PUNCT
fsr-3217	263	18	in	in	ADP
fsr-3217	263	19	general	general	ADJ
fsr-3217	263	20	,	,	PUNCT
fsr-3217	263	21	have	have	VERB
fsr-3217	263	22	a	a	DET
fsr-3217	263	23	positive	positive	ADJ
fsr-3217	263	24	influence	influence	NOUN
fsr-3217	263	25	on	on	ADP
fsr-3217	263	26	the	the	DET
fsr-3217	263	27	financial	financial	ADJ
fsr-3217	263	28	literacy	literacy	NOUN
fsr-3217	263	29	of	of	ADP
fsr-3217	263	30	the	the	DET
fsr-3217	263	31	individuals	individual	NOUN
fsr-3217	263	32	that	that	PRON
fsr-3217	263	33	use	use	VERB
fsr-3217	263	34	them	they	PRON
fsr-3217	263	35	suggesting	suggest	VERB
fsr-3217	263	36	they	they	PRON
fsr-3217	263	37	play	play	VERB
fsr-3217	263	38	a	a	DET
fsr-3217	263	39	role	role	NOUN
fsr-3217	263	40	in	in	ADP
fsr-3217	263	41	helping	helping	AUX
fsr-3217	263	42	disseminate	disseminate	VERB
fsr-3217	263	43	financial	financial	ADJ
fsr-3217	263	44	knowledge	knowledge	NOUN
fsr-3217	263	45	to	to	ADP
fsr-3217	263	46	their	their	PRON
fsr-3217	263	47	clients	client	NOUN
fsr-3217	263	48	rather	rather	ADV
fsr-3217	263	49	than	than	ADP
fsr-3217	263	50	just	just	ADV
fsr-3217	263	51	offering	offer	VERB
fsr-3217	263	52	them	they	PRON
fsr-3217	263	53	advice	advice	NOUN
fsr-3217	263	54	about	about	ADP
fsr-3217	263	55	what	what	PRON
fsr-3217	263	56	they	they	PRON
fsr-3217	263	57	should	should	AUX
fsr-3217	263	58	do	do	AUX
fsr-3217	263	59	in	in	ADP
fsr-3217	263	60	making	make	VERB
fsr-3217	263	61	financial	financial	ADJ
fsr-3217	263	62	decisions	decision	NOUN
fsr-3217	263	63	.	.	PUNCT
fsr-3217	264	1	when	when	SCONJ
fsr-3217	264	2	considering	consider	VERB
fsr-3217	264	3	the	the	DET
fsr-3217	264	4	five	five	NUM
fsr-3217	264	5	different	different	ADJ
fsr-3217	264	6	types	type	NOUN
fsr-3217	264	7	of	of	ADP
fsr-3217	264	8	financial	financial	ADJ
fsr-3217	264	9	advisers	adviser	NOUN
fsr-3217	264	10	separately	separately	ADV
fsr-3217	264	11	,	,	PUNCT
fsr-3217	264	12	we	we	PRON
fsr-3217	264	13	find	find	VERB
fsr-3217	264	14	that	that	SCONJ
fsr-3217	264	15	it	it	PRON
fsr-3217	264	16	is	be	AUX
fsr-3217	264	17	savings	saving	NOUN
fsr-3217	264	18	or	or	CCONJ
fsr-3217	264	19	investment	investment	NOUN
fsr-3217	264	20	advisers	adviser	NOUN
fsr-3217	264	21	that	that	PRON
fsr-3217	264	22	have	have	VERB
fsr-3217	264	23	the	the	DET
fsr-3217	264	24	largest	large	ADJ
fsr-3217	264	25	impact	impact	NOUN
fsr-3217	264	26	on	on	ADP
fsr-3217	264	27	financial	financial	ADJ
fsr-3217	264	28	literacy	literacy	NOUN
fsr-3217	264	29	,	,	PUNCT
fsr-3217	264	30	followed	follow	VERB
fsr-3217	264	31	by	by	ADP
fsr-3217	264	32	mortgage	mortgage	NOUN
fsr-3217	264	33	or	or	CCONJ
fsr-3217	264	34	loan	loan	NOUN
fsr-3217	264	35	and	and	CCONJ
fsr-3217	264	36	insurance	insurance	NOUN
fsr-3217	264	37	advisers	adviser	NOUN
fsr-3217	264	38	,	,	PUNCT
fsr-3217	264	39	respectively	respectively	ADV
fsr-3217	264	40	.	.	PUNCT
fsr-3217	265	1	this	this	PRON
fsr-3217	265	2	is	be	AUX
fsr-3217	265	3	understandable	understandable	ADJ
fsr-3217	265	4	since	since	SCONJ
fsr-3217	265	5	the	the	DET
fsr-3217	265	6	five	five	NUM
fsr-3217	265	7	financial	financial	ADJ
fsr-3217	265	8	literacy	literacy	NOUN
fsr-3217	265	9	questions	question	NOUN
fsr-3217	265	10	asked	ask	VERB
fsr-3217	265	11	pertain	pertain	NOUN
fsr-3217	265	12	to	to	ADP
fsr-3217	265	13	the	the	DET
fsr-3217	265	14	time	time	NOUN
fsr-3217	265	15	value	value	NOUN
fsr-3217	265	16	of	of	ADP
fsr-3217	265	17	money	money	NOUN
fsr-3217	265	18	,	,	PUNCT
fsr-3217	265	19	interest	interest	NOUN
fsr-3217	265	20	rates	rate	NOUN
fsr-3217	265	21	,	,	PUNCT
fsr-3217	265	22	inflation	inflation	NOUN
fsr-3217	265	23	,	,	PUNCT
fsr-3217	265	24	and	and	CCONJ
fsr-3217	265	25	risk	risk	NOUN
fsr-3217	265	26	diversification	diversification	NOUN
fsr-3217	265	27	which	which	PRON
fsr-3217	265	28	are	be	AUX
fsr-3217	265	29	topics	topic	NOUN
fsr-3217	265	30	that	that	PRON
fsr-3217	265	31	a	a	DET
fsr-3217	265	32	savings	saving	NOUN
fsr-3217	265	33	or	or	CCONJ
fsr-3217	265	34	investment	investment	NOUN
fsr-3217	265	35	adviser	adviser	NOUN
fsr-3217	265	36	should	should	AUX
fsr-3217	265	37	cover	cover	VERB
fsr-3217	265	38	with	with	ADP
fsr-3217	265	39	their	their	PRON
fsr-3217	265	40	client	client	NOUN
fsr-3217	265	41	.	.	PUNCT
fsr-3217	266	1	tax	tax	NOUN
fsr-3217	266	2	planning	planning	NOUN
fsr-3217	266	3	advisers	adviser	NOUN
fsr-3217	266	4	,	,	PUNCT
fsr-3217	266	5	which	which	PRON
fsr-3217	266	6	we	we	PRON
fsr-3217	266	7	find	find	VERB
fsr-3217	266	8	have	have	VERB
fsr-3217	266	9	no	no	DET
fsr-3217	266	10	influence	influence	NOUN
fsr-3217	266	11	on	on	ADP
fsr-3217	266	12	financial	financial	ADJ
fsr-3217	266	13	literacy	literacy	NOUN
fsr-3217	266	14	scores	score	NOUN
fsr-3217	266	15	,	,	PUNCT
fsr-3217	266	16	and	and	CCONJ
fsr-3217	266	17	debt	debt	NOUN
fsr-3217	266	18	counselors	counselor	NOUN
fsr-3217	266	19	,	,	PUNCT
fsr-3217	266	20	which	which	PRON
fsr-3217	266	21	have	have	VERB
fsr-3217	266	22	a	a	DET
fsr-3217	266	23	negative	negative	ADJ
fsr-3217	266	24	influence	influence	NOUN
fsr-3217	266	25	on	on	ADP
fsr-3217	266	26	financial	financial	ADJ
fsr-3217	266	27	literacy	literacy	NOUN
fsr-3217	266	28	scores	score	NOUN
fsr-3217	266	29	,	,	PUNCT
fsr-3217	266	30	would	would	AUX
fsr-3217	266	31	be	be	AUX
fsr-3217	266	32	less	less	ADV
fsr-3217	266	33	likely	likely	ADJ
fsr-3217	266	34	to	to	PART
fsr-3217	266	35	cover	cover	VERB
fsr-3217	266	36	these	these	DET
fsr-3217	266	37	types	type	NOUN
fsr-3217	266	38	of	of	ADP
fsr-3217	266	39	topics	topic	NOUN
fsr-3217	266	40	with	with	ADP
fsr-3217	266	41	their	their	PRON
fsr-3217	266	42	clients	client	NOUN
fsr-3217	266	43	.	.	PUNCT
fsr-3217	267	1	4	4	X
fsr-3217	267	2	.	.	X
fsr-3217	267	3	endogeneity	endogeneity	NOUN
fsr-3217	267	4	and	and	CCONJ
fsr-3217	267	5	confounding	confound	VERB
fsr-3217	267	6	variables	variable	NOUN
fsr-3217	267	7	there	there	PRON
fsr-3217	267	8	is	be	VERB
fsr-3217	267	9	the	the	DET
fsr-3217	267	10	possibility	possibility	NOUN
fsr-3217	267	11	that	that	SCONJ
fsr-3217	267	12	our	our	PRON
fsr-3217	267	13	model	model	NOUN
fsr-3217	267	14	suffers	suffer	VERB
fsr-3217	267	15	from	from	ADP
fsr-3217	267	16	endogeneity	endogeneity	NOUN
fsr-3217	267	17	issues	issue	NOUN
fsr-3217	267	18	in	in	ADP
fsr-3217	267	19	the	the	DET
fsr-3217	267	20	choice	choice	NOUN
fsr-3217	267	21	to	to	PART
fsr-3217	267	22	use	use	VERB
fsr-3217	267	23	a	a	DET
fsr-3217	267	24	financial	financial	ADJ
fsr-3217	267	25	adviser	adviser	NOUN
fsr-3217	267	26	.	.	PUNCT
fsr-3217	268	1	it	it	PRON
fsr-3217	268	2	is	be	AUX
fsr-3217	268	3	possible	possible	ADJ
fsr-3217	268	4	that	that	SCONJ
fsr-3217	268	5	those	those	PRON
fsr-3217	268	6	having	have	VERB
fsr-3217	268	7	higher	high	ADJ
fsr-3217	268	8	levels	level	NOUN
fsr-3217	268	9	of	of	ADP
fsr-3217	268	10	financial	financial	ADJ
fsr-3217	268	11	literacy	literacy	NOUN
fsr-3217	268	12	are	be	AUX
fsr-3217	268	13	more	more	ADV
fsr-3217	268	14	likely	likely	ADJ
fsr-3217	268	15	to	to	PART
fsr-3217	268	16	use	use	VERB
fsr-3217	268	17	financial	financial	ADJ
fsr-3217	268	18	advisers	adviser	NOUN
fsr-3217	268	19	.	.	PUNCT
fsr-3217	269	1	even	even	ADV
fsr-3217	269	2	though	though	SCONJ
fsr-3217	269	3	we	we	PRON
fsr-3217	269	4	control	control	VERB
fsr-3217	269	5	for	for	ADP
fsr-3217	269	6	demographic	demographic	ADJ
fsr-3217	269	7	characteristics	characteristic	NOUN
fsr-3217	269	8	that	that	PRON
fsr-3217	269	9	we	we	PRON
fsr-3217	269	10	find	find	VERB
fsr-3217	269	11	to	to	PART
fsr-3217	269	12	be	be	AUX
fsr-3217	269	13	directly	directly	ADV
fsr-3217	269	14	related	relate	VERB
fsr-3217	269	15	to	to	ADP
fsr-3217	269	16	financial	financial	ADJ
fsr-3217	269	17	literacy	literacy	NOUN
fsr-3217	269	18	in	in	ADP
fsr-3217	269	19	all	all	PRON
fsr-3217	269	20	of	of	ADP
fsr-3217	269	21	our	our	PRON
fsr-3217	269	22	regression	regression	NOUN
fsr-3217	269	23	specifications	specification	NOUN
fsr-3217	269	24	,	,	PUNCT
fsr-3217	269	25	such	such	ADJ
fsr-3217	269	26	as	as	ADP
fsr-3217	269	27	financial	financial	ADJ
fsr-3217	269	28	education	education	NOUN
fsr-3217	269	29	and	and	CCONJ
fsr-3217	269	30	education	education	NOUN
fsr-3217	269	31	,	,	PUNCT
fsr-3217	269	32	this	this	PRON
fsr-3217	269	33	may	may	AUX
fsr-3217	269	34	not	not	PART
fsr-3217	269	35	be	be	AUX
fsr-3217	269	36	enough	enough	ADJ
fsr-3217	269	37	to	to	PART
fsr-3217	269	38	control	control	VERB
fsr-3217	269	39	for	for	ADP
fsr-3217	269	40	this	this	DET
fsr-3217	269	41	endogeneity	endogeneity	NOUN
fsr-3217	269	42	bias	bias	NOUN
fsr-3217	269	43	.	.	PUNCT
fsr-3217	270	1	lacking	lack	VERB
fsr-3217	270	2	longitudinal	longitudinal	ADJ
fsr-3217	270	3	data	datum	NOUN
fsr-3217	270	4	that	that	PRON
fsr-3217	270	5	would	would	AUX
fsr-3217	270	6	directly	directly	ADV
fsr-3217	270	7	address	address	VERB
fsr-3217	270	8	this	this	DET
fsr-3217	270	9	problem	problem	NOUN
fsr-3217	270	10	,	,	PUNCT
fsr-3217	270	11	we	we	PRON
fsr-3217	270	12	must	must	AUX
fsr-3217	270	13	try	try	VERB
fsr-3217	270	14	to	to	PART
fsr-3217	270	15	control	control	VERB
fsr-3217	270	16	for	for	ADP
fsr-3217	270	17	endogeneity	endogeneity	NOUN
fsr-3217	270	18	using	use	VERB
fsr-3217	270	19	econometric	econometric	ADJ
fsr-3217	270	20	techniques	technique	NOUN
fsr-3217	270	21	given	give	VERB
fsr-3217	270	22	our	our	PRON
fsr-3217	270	23	data	datum	NOUN
fsr-3217	270	24	limitations	limitation	NOUN
fsr-3217	270	25	.	.	PUNCT
fsr-3217	271	1	we	we	PRON
fsr-3217	271	2	address	address	VERB
fsr-3217	271	3	these	these	DET
fsr-3217	271	4	concerns	concern	NOUN
fsr-3217	271	5	in	in	ADP
fsr-3217	271	6	this	this	DET
fsr-3217	271	7	section	section	NOUN
fsr-3217	271	8	using	use	VERB
fsr-3217	271	9	an	an	DET
fsr-3217	271	10	instrumental	instrumental	ADJ
fsr-3217	271	11	variables	variable	NOUN
fsr-3217	271	12	(	(	PUNCT
fsr-3217	271	13	iv	iv	X
fsr-3217	271	14	)	)	PUNCT
fsr-3217	271	15	model	model	NOUN
fsr-3217	271	16	and	and	CCONJ
fsr-3217	271	17	propensity	propensity	NOUN
fsr-3217	271	18	score	score	NOUN
fsr-3217	271	19	matching	matching	NOUN
fsr-3217	271	20	.	.	PUNCT
fsr-3217	272	1	4.1	4.1	NUM
fsr-3217	272	2	.	.	PUNCT
fsr-3217	273	1	instrumental	instrumental	ADJ
fsr-3217	273	2	variables	variable	NOUN
fsr-3217	273	3	model	model	VERB
fsr-3217	273	4	to	to	PART
fsr-3217	273	5	address	address	VERB
fsr-3217	273	6	the	the	DET
fsr-3217	273	7	potential	potential	ADJ
fsr-3217	273	8	endogeneity	endogeneity	NOUN
fsr-3217	273	9	issues	issue	NOUN
fsr-3217	273	10	between	between	ADP
fsr-3217	273	11	financial	financial	ADJ
fsr-3217	273	12	literacy	literacy	NOUN
fsr-3217	273	13	and	and	CCONJ
fsr-3217	273	14	the	the	DET
fsr-3217	273	15	choice	choice	NOUN
fsr-3217	273	16	to	to	PART
fsr-3217	273	17	use	use	VERB
fsr-3217	273	18	a	a	DET
fsr-3217	273	19	financial	financial	ADJ
fsr-3217	273	20	adviser	adviser	NOUN
fsr-3217	273	21	,	,	PUNCT
fsr-3217	273	22	we	we	PRON
fsr-3217	273	23	implement	implement	VERB
fsr-3217	273	24	a	a	DET
fsr-3217	273	25	two	two	NUM
fsr-3217	273	26	-	-	PUNCT
fsr-3217	273	27	stage	stage	NOUN
fsr-3217	273	28	iv	iv	NUM
fsr-3217	273	29	estimation	estimation	NOUN
fsr-3217	273	30	model	model	NOUN
fsr-3217	273	31	.	.	PUNCT
fsr-3217	274	1	we	we	PRON
fsr-3217	274	2	estimate	estimate	VERB
fsr-3217	274	3	iv	iv	NUM
fsr-3217	274	4	models	model	NOUN
fsr-3217	274	5	for	for	ADP
fsr-3217	274	6	each	each	PRON
fsr-3217	274	7	of	of	ADP
fsr-3217	274	8	the	the	DET
fsr-3217	274	9	financial	financial	ADJ
fsr-3217	274	10	adviser	adviser	NOUN
fsr-3217	274	11	types	type	NOUN
fsr-3217	274	12	to	to	PART
fsr-3217	274	13	include	include	VERB
fsr-3217	274	14	debt	debt	NOUN
fsr-3217	274	15	counseling	counseling	NOUN
fsr-3217	274	16	,	,	PUNCT
fsr-3217	274	17	savings	saving	NOUN
fsr-3217	274	18	or	or	CCONJ
fsr-3217	274	19	investments	investment	NOUN
fsr-3217	274	20	,	,	PUNCT
fsr-3217	274	21	mortgage	mortgage	NOUN
fsr-3217	274	22	or	or	CCONJ
fsr-3217	274	23	loan	loan	NOUN
fsr-3217	274	24	,	,	PUNCT
fsr-3217	274	25	insurance	insurance	NOUN
fsr-3217	274	26	,	,	PUNCT
fsr-3217	274	27	and	and	CCONJ
fsr-3217	274	28	tax	tax	NOUN
fsr-3217	274	29	planning	planning	NOUN
fsr-3217	274	30	using	use	VERB
fsr-3217	274	31	both	both	CCONJ
fsr-3217	274	32	the	the	DET
fsr-3217	274	33	gmm	gmm	PROPN
fsr-3217	274	34	estimator	estimator	NOUN
fsr-3217	274	35	and	and	CCONJ
fsr-3217	274	36	iv	iv	NUM
fsr-3217	274	37	probit	probit	NOUN
fsr-3217	274	38	estimation.2	estimation.2	PROPN
fsr-3217	274	39	in	in	ADP
fsr-3217	274	40	the	the	DET
fsr-3217	274	41	first	first	ADJ
fsr-3217	274	42	stage	stage	NOUN
fsr-3217	274	43	,	,	PUNCT
fsr-3217	274	44	we	we	PRON
fsr-3217	274	45	use	use	VERB
fsr-3217	274	46	responses	response	NOUN
fsr-3217	274	47	to	to	PART
fsr-3217	274	48	available	available	ADJ
fsr-3217	274	49	survey	survey	NOUN
fsr-3217	274	50	questions	question	NOUN
fsr-3217	274	51	that	that	PRON
fsr-3217	274	52	are	be	AUX
fsr-3217	274	53	expected	expect	VERB
fsr-3217	274	54	to	to	PART
fsr-3217	274	55	predict	predict	VERB
fsr-3217	274	56	the	the	DET
fsr-3217	274	57	choice	choice	NOUN
fsr-3217	274	58	to	to	PART
fsr-3217	274	59	use	use	VERB
fsr-3217	274	60	a	a	DET
fsr-3217	274	61	specific	specific	ADJ
fsr-3217	274	62	type	type	NOUN
fsr-3217	274	63	of	of	ADP
fsr-3217	274	64	financial	financial	ADJ
fsr-3217	274	65	adviser	adviser	NOUN
fsr-3217	274	66	as	as	ADP
fsr-3217	274	67	instruments	instrument	NOUN
fsr-3217	274	68	,	,	PUNCT
fsr-3217	274	69	but	but	CCONJ
fsr-3217	274	70	these	these	DET
fsr-3217	274	71	instruments	instrument	NOUN
fsr-3217	274	72	must	must	AUX
fsr-3217	274	73	be	be	AUX
fsr-3217	274	74	uncorrelated	uncorrelate	VERB
fsr-3217	274	75	with	with	ADP
fsr-3217	274	76	the	the	DET
fsr-3217	274	77	second	second	ADJ
fsr-3217	274	78	stage	stage	NOUN
fsr-3217	274	79	dependent	dependent	ADJ
fsr-3217	274	80	variable	variable	NOUN
fsr-3217	274	81	that	that	PRON
fsr-3217	274	82	is	be	AUX
fsr-3217	274	83	the	the	DET
fsr-3217	274	84	financial	financial	ADJ
fsr-3217	274	85	literacy	literacy	NOUN
fsr-3217	274	86	score	score	NOUN
fsr-3217	274	87	.	.	PUNCT
fsr-3217	275	1	the	the	DET
fsr-3217	275	2	same	same	ADJ
fsr-3217	275	3	demographic	demographic	ADJ
fsr-3217	275	4	control	control	NOUN
fsr-3217	275	5	variables	variable	NOUN
fsr-3217	275	6	from	from	ADP
fsr-3217	275	7	table	table	NOUN
fsr-3217	275	8	5	5	NUM
fsr-3217	275	9	are	be	AUX
fsr-3217	275	10	also	also	ADV
fsr-3217	275	11	used	use	VERB
fsr-3217	275	12	in	in	ADP
fsr-3217	275	13	both	both	CCONJ
fsr-3217	275	14	the	the	DET
fsr-3217	275	15	firstand	firstand	ADJ
fsr-3217	275	16	second	second	ADJ
fsr-3217	275	17	-	-	PUNCT
fsr-3217	275	18	stage	stage	NOUN
fsr-3217	275	19	model	model	NOUN
fsr-3217	275	20	specifications	specification	NOUN
fsr-3217	275	21	.	.	PUNCT
fsr-3217	276	1	table	table	NOUN
fsr-3217	276	2	6	6	NUM
fsr-3217	276	3	,	,	PUNCT
fsr-3217	276	4	panel	panel	NOUN
fsr-3217	276	5	a	a	PRON
fsr-3217	276	6	,	,	PUNCT
fsr-3217	276	7	identify	identify	VERB
fsr-3217	276	8	the	the	DET
fsr-3217	276	9	instruments	instrument	NOUN
fsr-3217	276	10	(	(	PUNCT
fsr-3217	276	11	survey	survey	NOUN
fsr-3217	276	12	questions	question	NOUN
fsr-3217	276	13	)	)	PUNCT
fsr-3217	276	14	used	use	VERB
fsr-3217	276	15	for	for	ADP
fsr-3217	276	16	each	each	PRON
fsr-3217	276	17	of	of	ADP
fsr-3217	276	18	the	the	DET
fsr-3217	276	19	five	five	NUM
fsr-3217	276	20	financial	financial	ADJ
fsr-3217	276	21	adviser	adviser	NOUN
fsr-3217	276	22	types	type	NOUN
fsr-3217	276	23	.	.	PUNCT
fsr-3217	277	1	we	we	PRON
fsr-3217	277	2	also	also	ADV
fsr-3217	277	3	report	report	VERB
fsr-3217	277	4	the	the	DET
fsr-3217	277	5	first	first	ADJ
fsr-3217	277	6	-	-	PUNCT
fsr-3217	277	7	stage	stage	NOUN
fsr-3217	277	8	coefficient	coefficient	NOUN
fsr-3217	277	9	estimates	estimate	NOUN
fsr-3217	277	10	for	for	ADP
fsr-3217	277	11	the	the	DET
fsr-3217	277	12	instruments	instrument	NOUN
fsr-3217	277	13	used	use	VERB
fsr-3217	277	14	from	from	ADP
fsr-3217	277	15	the	the	DET
fsr-3217	277	16	gmm	gmm	PROPN
fsr-3217	277	17	estimator	estimator	NOUN
fsr-3217	277	18	and	and	CCONJ
fsr-3217	277	19	iv	iv	NUM
fsr-3217	277	20	probit	probit	NOUN
fsr-3217	277	21	estimation	estimation	NOUN
fsr-3217	277	22	,	,	PUNCT
fsr-3217	277	23	separately.3	separately.3	ADJ
fsr-3217	277	24	all	all	DET
fsr-3217	277	25	instruments	instrument	NOUN
fsr-3217	277	26	used	use	VERB
fsr-3217	277	27	are	be	AUX
fsr-3217	277	28	positively	positively	ADV
fsr-3217	277	29	related	relate	VERB
fsr-3217	277	30	to	to	ADP
fsr-3217	277	31	using	use	VERB
fsr-3217	277	32	each	each	DET
fsr-3217	277	33	specific	specific	ADJ
fsr-3217	277	34	type	type	NOUN
fsr-3217	277	35	of	of	ADP
fsr-3217	277	36	financial	financial	ADJ
fsr-3217	277	37	adviser	adviser	NOUN
fsr-3217	277	38	,	,	PUNCT
fsr-3217	277	39	and	and	CCONJ
fsr-3217	277	40	they	they	PRON
fsr-3217	277	41	are	be	AUX
fsr-3217	277	42	all	all	ADV
fsr-3217	277	43	highly	highly	ADV
fsr-3217	277	44	145b	145b	NUM
fsr-3217	277	45	.	.	PUNCT
fsr-3217	278	1	balasubramnian	balasubramnian	PROPN
fsr-3217	278	2	,	,	PUNCT
fsr-3217	278	3	e.r	e.r	PROPN
fsr-3217	278	4	.	.	NOUN
fsr-3217	278	5	brisker	brisk	ADJ
fsr-3217	278	6	/	/	SYM
fsr-3217	278	7	financial	financial	ADJ
fsr-3217	278	8	services	service	NOUN
fsr-3217	278	9	review	review	VERB
fsr-3217	278	10	25	25	NUM
fsr-3217	278	11	(	(	PUNCT
fsr-3217	278	12	2016	2016	NUM
fsr-3217	278	13	)	)	PUNCT
fsr-3217	278	14	127–155	127–155	NUM
fsr-3217	278	15	table	table	NOUN
fsr-3217	278	16	6	6	NUM
fsr-3217	278	17	instrumental	instrumental	ADJ
fsr-3217	278	18	variable	variable	ADJ
fsr-3217	278	19	regressions	regression	NOUN
fsr-3217	278	20	panel	panel	NOUN
fsr-3217	278	21	a	a	DET
fsr-3217	278	22	:	:	PUNCT
fsr-3217	278	23	first	first	ADJ
fsr-3217	278	24	stage	stage	NOUN
fsr-3217	278	25	instruments	instrument	NOUN
fsr-3217	278	26	for	for	ADP
fsr-3217	278	27	each	each	DET
fsr-3217	278	28	financial	financial	ADJ
fsr-3217	278	29	adviser	adviser	NOUN
fsr-3217	278	30	type	type	NOUN
fsr-3217	278	31	instruments	instrument	NOUN
fsr-3217	278	32	used	use	VERB
fsr-3217	278	33	instrument	instrument	NOUN
fsr-3217	278	34	survey	survey	NOUN
fsr-3217	278	35	question	question	NOUN
fsr-3217	278	36	:	:	PUNCT
fsr-3217	278	37	instrumented	instrumented	ADJ
fsr-3217	278	38	:	:	PUNCT
fsr-3217	278	39	debt	debt	NOUN
fsr-3217	278	40	counseling	counseling	NOUN
fsr-3217	278	41	home	home	NOUN
fsr-3217	278	42	foreclosure	foreclosure	NOUN
fsr-3217	278	43	have	have	AUX
fsr-3217	278	44	you	you	PRON
fsr-3217	278	45	been	be	AUX
fsr-3217	278	46	involved	involve	VERB
fsr-3217	278	47	in	in	ADP
fsr-3217	278	48	a	a	DET
fsr-3217	278	49	foreclosure	foreclosure	NOUN
fsr-3217	278	50	process	process	NOUN
fsr-3217	278	51	on	on	ADP
fsr-3217	278	52	your	your	PRON
fsr-3217	278	53	home	home	NOUN
fsr-3217	278	54	?	?	PUNCT
fsr-3217	279	1	declared	declare	VERB
fsr-3217	279	2	bankruptcy	bankruptcy	NOUN
fsr-3217	279	3	have	have	AUX
fsr-3217	279	4	you	you	PRON
fsr-3217	279	5	declared	declare	VERB
fsr-3217	279	6	bankruptcy	bankruptcy	NOUN
fsr-3217	279	7	in	in	ADP
fsr-3217	279	8	the	the	DET
fsr-3217	279	9	last	last	ADJ
fsr-3217	279	10	two	two	NUM
fsr-3217	279	11	years	year	NOUN
fsr-3217	279	12	?	?	PUNCT
fsr-3217	280	1	instrumented	instrumented	ADJ
fsr-3217	280	2	:	:	PUNCT
fsr-3217	280	3	savings	saving	NOUN
fsr-3217	280	4	or	or	CCONJ
fsr-3217	280	5	investments	investment	NOUN
fsr-3217	280	6	employer	employer	NOUN
fsr-3217	280	7	retirement	retirement	NOUN
fsr-3217	280	8	plan	plan	NOUN
fsr-3217	280	9	do	do	AUX
fsr-3217	280	10	you	you	PRON
fsr-3217	280	11	have	have	VERB
fsr-3217	280	12	any	any	DET
fsr-3217	280	13	retirement	retirement	NOUN
fsr-3217	280	14	plan	plan	NOUN
fsr-3217	280	15	through	through	ADP
fsr-3217	280	16	a	a	DET
fsr-3217	280	17	current	current	ADJ
fsr-3217	280	18	or	or	CCONJ
fsr-3217	280	19	previous	previous	ADJ
fsr-3217	280	20	employer	employer	NOUN
fsr-3217	280	21	?	?	PUNCT
fsr-3217	281	1	other	other	ADJ
fsr-3217	281	2	retirement	retirement	NOUN
fsr-3217	281	3	plan	plan	NOUN
fsr-3217	281	4	do	do	AUX
fsr-3217	281	5	you	you	PRON
fsr-3217	281	6	have	have	VERB
fsr-3217	281	7	any	any	DET
fsr-3217	281	8	other	other	ADJ
fsr-3217	281	9	retirement	retirement	NOUN
fsr-3217	281	10	accounts	account	NOUN
fsr-3217	281	11	not	not	PART
fsr-3217	281	12	through	through	ADP
fsr-3217	281	13	an	an	DET
fsr-3217	281	14	employer	employer	NOUN
fsr-3217	281	15	?	?	PUNCT
fsr-3217	282	1	instrumented	instrumented	ADJ
fsr-3217	282	2	:	:	PUNCT
fsr-3217	282	3	mortgage	mortgage	NOUN
fsr-3217	282	4	or	or	CCONJ
fsr-3217	282	5	loan	loan	NOUN
fsr-3217	282	6	own	own	VERB
fsr-3217	282	7	your	your	PRON
fsr-3217	282	8	home	home	NOUN
fsr-3217	282	9	do	do	AUX
fsr-3217	282	10	you	you	PRON
fsr-3217	282	11	currently	currently	ADV
fsr-3217	282	12	own	own	VERB
fsr-3217	282	13	your	your	PRON
fsr-3217	282	14	home	home	NOUN
fsr-3217	282	15	?	?	PUNCT
fsr-3217	283	1	home	home	NOUN
fsr-3217	283	2	foreclosure	foreclosure	NOUN
fsr-3217	283	3	have	have	AUX
fsr-3217	283	4	you	you	PRON
fsr-3217	283	5	been	be	AUX
fsr-3217	283	6	involved	involve	VERB
fsr-3217	283	7	in	in	ADP
fsr-3217	283	8	a	a	DET
fsr-3217	283	9	foreclosure	foreclosure	NOUN
fsr-3217	283	10	process	process	NOUN
fsr-3217	283	11	on	on	ADP
fsr-3217	283	12	your	your	PRON
fsr-3217	283	13	home	home	NOUN
fsr-3217	283	14	?	?	PUNCT
fsr-3217	284	1	instrumented	instrumented	ADJ
fsr-3217	284	2	:	:	PUNCT
fsr-3217	284	3	insurance	insurance	NOUN
fsr-3217	284	4	health	health	NOUN
fsr-3217	284	5	insurance	insurance	NOUN
fsr-3217	284	6	are	be	AUX
fsr-3217	284	7	you	you	PRON
fsr-3217	284	8	covered	cover	VERB
fsr-3217	284	9	by	by	ADP
fsr-3217	284	10	health	health	NOUN
fsr-3217	284	11	insurance	insurance	NOUN
fsr-3217	284	12	?	?	PUNCT
fsr-3217	285	1	life	life	NOUN
fsr-3217	285	2	insurance	insurance	NOUN
fsr-3217	285	3	do	do	AUX
fsr-3217	285	4	you	you	PRON
fsr-3217	285	5	have	have	VERB
fsr-3217	285	6	a	a	DET
fsr-3217	285	7	life	life	NOUN
fsr-3217	285	8	insurance	insurance	NOUN
fsr-3217	285	9	policy	policy	NOUN
fsr-3217	285	10	?	?	PUNCT
fsr-3217	286	1	instrumented	instrumented	ADJ
fsr-3217	286	2	:	:	PUNCT
fsr-3217	286	3	tax	tax	NOUN
fsr-3217	286	4	planning	planning	NOUN
fsr-3217	286	5	earn	earn	VERB
fsr-3217	286	6	salary	salary	NOUN
fsr-3217	286	7	or	or	CCONJ
fsr-3217	286	8	wages	wage	NOUN
fsr-3217	286	9	did	do	AUX
fsr-3217	286	10	you	you	PRON
fsr-3217	286	11	receive	receive	VERB
fsr-3217	286	12	any	any	DET
fsr-3217	286	13	income	income	NOUN
fsr-3217	286	14	in	in	ADP
fsr-3217	286	15	the	the	DET
fsr-3217	286	16	form	form	NOUN
fsr-3217	286	17	of	of	ADP
fsr-3217	286	18	salary	salary	NOUN
fsr-3217	286	19	or	or	CCONJ
fsr-3217	286	20	wages	wage	NOUN
fsr-3217	286	21	?	?	PUNCT
fsr-3217	287	1	social	social	ADJ
fsr-3217	287	2	security	security	NOUN
fsr-3217	287	3	benefits	benefit	NOUN
fsr-3217	287	4	did	do	AUX
fsr-3217	287	5	you	you	PRON
fsr-3217	287	6	receive	receive	VERB
fsr-3217	287	7	any	any	DET
fsr-3217	287	8	income	income	NOUN
fsr-3217	287	9	from	from	ADP
fsr-3217	287	10	social	social	ADJ
fsr-3217	287	11	security	security	NOUN
fsr-3217	287	12	retirement	retirement	NOUN
fsr-3217	287	13	benefits	benefit	NOUN
fsr-3217	287	14	?	?	PUNCT
fsr-3217	288	1	first	first	ADJ
fsr-3217	288	2	stage	stage	NOUN
fsr-3217	288	3	instruments	instrument	NOUN
fsr-3217	288	4	coefficient	coefficient	NOUN
fsr-3217	288	5	estimates	estimate	VERB
fsr-3217	288	6	iv	iv	NUM
fsr-3217	288	7	gmm	gmm	PROPN
fsr-3217	288	8	t	t	PROPN
fsr-3217	288	9	stat	stat	PROPN
fsr-3217	288	10	iv	iv	NUM
fsr-3217	288	11	probit	probit	PROPN
fsr-3217	288	12	z	z	NOUN
fsr-3217	288	13	-	-	PUNCT
fsr-3217	288	14	stat	stat	NOUN
fsr-3217	288	15	debt	debt	NOUN
fsr-3217	288	16	counseling	counseling	NOUN
fsr-3217	288	17	:	:	PUNCT
fsr-3217	288	18	home	home	NOUN
fsr-3217	288	19	foreclosure	foreclosure	NOUN
fsr-3217	288	20	0.166	0.166	NUM
fsr-3217	288	21	*	*	PUNCT
fsr-3217	288	22	*	*	PUNCT
fsr-3217	288	23	*	*	PUNCT
fsr-3217	288	24	9.29	9.29	NUM
fsr-3217	288	25	0.166	0.166	NUM
fsr-3217	288	26	*	*	PUNCT
fsr-3217	288	27	*	*	PUNCT
fsr-3217	288	28	*	*	X
fsr-3217	288	29	15.38	15.38	NUM
fsr-3217	288	30	declared	declare	VERB
fsr-3217	288	31	bankruptcy	bankruptcy	NOUN
fsr-3217	288	32	0.381	0.381	NUM
fsr-3217	288	33	*	*	PUNCT
fsr-3217	288	34	*	*	PUNCT
fsr-3217	288	35	*	*	PUNCT
fsr-3217	288	36	18.87	18.87	NUM
fsr-3217	288	37	0.381	0.381	NUM
fsr-3217	288	38	*	*	PUNCT
fsr-3217	288	39	*	*	PUNCT
fsr-3217	288	40	*	*	X
fsr-3217	288	41	34.28	34.28	NUM
fsr-3217	288	42	savings	saving	NOUN
fsr-3217	288	43	or	or	CCONJ
fsr-3217	288	44	investments	investment	NOUN
fsr-3217	288	45	:	:	PUNCT
fsr-3217	288	46	employer	employer	NOUN
fsr-3217	288	47	retirement	retirement	NOUN
fsr-3217	288	48	plan	plan	NOUN
fsr-3217	288	49	0.082	0.082	NUM
fsr-3217	288	50	*	*	PUNCT
fsr-3217	288	51	*	*	PUNCT
fsr-3217	288	52	*	*	PUNCT
fsr-3217	288	53	11.33	11.33	NUM
fsr-3217	288	54	0.082	0.082	NUM
fsr-3217	288	55	*	*	PUNCT
fsr-3217	288	56	*	*	PUNCT
fsr-3217	288	57	*	*	X
fsr-3217	288	58	11.41	11.41	NUM
fsr-3217	288	59	other	other	ADJ
fsr-3217	288	60	retirement	retirement	NOUN
fsr-3217	288	61	plan	plan	NOUN
fsr-3217	288	62	0.285	0.285	NUM
fsr-3217	288	63	*	*	PUNCT
fsr-3217	288	64	*	*	PUNCT
fsr-3217	288	65	*	*	PUNCT
fsr-3217	288	66	34.95	34.95	NUM
fsr-3217	288	67	0.285	0.285	NUM
fsr-3217	288	68	*	*	PUNCT
fsr-3217	288	69	*	*	PUNCT
fsr-3217	288	70	*	*	X
fsr-3217	288	71	39.75	39.75	NUM
fsr-3217	288	72	mortgage	mortgage	NOUN
fsr-3217	288	73	or	or	CCONJ
fsr-3217	288	74	loan	loan	NOUN
fsr-3217	288	75	:	:	PUNCT
fsr-3217	288	76	own	own	VERB
fsr-3217	288	77	your	your	PRON
fsr-3217	288	78	home	home	NOUN
fsr-3217	288	79	0.119	0.119	NUM
fsr-3217	288	80	*	*	PUNCT
fsr-3217	288	81	*	*	PUNCT
fsr-3217	288	82	*	*	PUNCT
fsr-3217	288	83	18.81	18.81	NUM
fsr-3217	288	84	0.119	0.119	NUM
fsr-3217	288	85	*	*	PUNCT
fsr-3217	288	86	*	*	PUNCT
fsr-3217	288	87	*	*	PUNCT
fsr-3217	288	88	17.97	17.97	NUM
fsr-3217	288	89	home	home	NOUN
fsr-3217	288	90	foreclosure	foreclosure	NOUN
fsr-3217	288	91	0.161	0.161	NUM
fsr-3217	288	92	*	*	PUNCT
fsr-3217	288	93	*	*	PUNCT
fsr-3217	288	94	*	*	PUNCT
fsr-3217	288	95	9.25	9.25	NUM
fsr-3217	288	96	0.161	0.161	NUM
fsr-3217	288	97	*	*	PUNCT
fsr-3217	288	98	*	*	PUNCT
fsr-3217	288	99	*	*	X
fsr-3217	288	100	10.65	10.65	NUM
fsr-3217	288	101	insurance	insurance	NOUN
fsr-3217	288	102	:	:	PUNCT
fsr-3217	288	103	health	health	NOUN
fsr-3217	288	104	insurance	insurance	NOUN
fsr-3217	288	105	0.026	0.026	NUM
fsr-3217	288	106	*	*	PUNCT
fsr-3217	288	107	*	*	PUNCT
fsr-3217	288	108	*	*	PUNCT
fsr-3217	288	109	2.98	2.98	NUM
fsr-3217	288	110	0.026	0.026	NUM
fsr-3217	288	111	*	*	PUNCT
fsr-3217	288	112	*	*	PUNCT
fsr-3217	288	113	*	*	X
fsr-3217	288	114	2.82	2.82	NUM
fsr-3217	288	115	life	life	NOUN
fsr-3217	288	116	insurance	insurance	NOUN
fsr-3217	288	117	0.093	0.093	NUM
fsr-3217	288	118	*	*	PUNCT
fsr-3217	288	119	*	*	PUNCT
fsr-3217	288	120	*	*	PUNCT
fsr-3217	288	121	12.51	12.51	NUM
fsr-3217	288	122	0.093	0.093	NUM
fsr-3217	288	123	*	*	PUNCT
fsr-3217	288	124	*	*	PUNCT
fsr-3217	288	125	*	*	PUNCT
fsr-3217	288	126	12.55	12.55	NUM
fsr-3217	288	127	tax	tax	NOUN
fsr-3217	288	128	planning	planning	NOUN
fsr-3217	288	129	:	:	PUNCT
fsr-3217	288	130	earns	earn	VERB
fsr-3217	288	131	or	or	CCONJ
fsr-3217	288	132	wages	wage	NOUN
fsr-3217	288	133	0.035	0.035	NUM
fsr-3217	288	134	*	*	PUNCT
fsr-3217	288	135	*	*	PUNCT
fsr-3217	288	136	*	*	PUNCT
fsr-3217	288	137	5.28	5.28	NUM
fsr-3217	288	138	0.035	0.035	NUM
fsr-3217	288	139	*	*	PUNCT
fsr-3217	288	140	*	*	PUNCT
fsr-3217	288	141	*	*	PUNCT
fsr-3217	288	142	5.18	5.18	NUM
fsr-3217	288	143	social	social	ADJ
fsr-3217	288	144	security	security	NOUN
fsr-3217	288	145	benefits	benefit	NOUN
fsr-3217	288	146	0.099	0.099	NUM
fsr-3217	288	147	*	*	PUNCT
fsr-3217	288	148	*	*	PUNCT
fsr-3217	288	149	*	*	PUNCT
fsr-3217	288	150	10.13	10.13	NUM
fsr-3217	288	151	0.099	0.099	NUM
fsr-3217	288	152	*	*	PUNCT
fsr-3217	288	153	*	*	PUNCT
fsr-3217	288	154	*	*	PROPN
fsr-3217	288	155	11.12	11.12	NUM
fsr-3217	288	156	panel	panel	NOUN
fsr-3217	288	157	b	b	NOUN
fsr-3217	288	158	:	:	PUNCT
fsr-3217	288	159	second	second	ADJ
fsr-3217	288	160	stage	stage	NOUN
fsr-3217	288	161	dependent	dependent	ADJ
fsr-3217	288	162	variable	variable	NOUN
fsr-3217	288	163	:	:	PUNCT
fsr-3217	288	164	financial	financial	ADJ
fsr-3217	288	165	literacy	literacy	NOUN
fsr-3217	288	166	score	score	NOUN
fsr-3217	288	167	(	(	PUNCT
fsr-3217	288	168	0	0	NUM
fsr-3217	288	169	to	to	PART
fsr-3217	288	170	5	5	NUM
fsr-3217	288	171	)	)	PUNCT
fsr-3217	288	172	financial	financial	ADJ
fsr-3217	288	173	literacy	literacy	NOUN
fsr-3217	288	174	score	score	NOUN
fsr-3217	288	175	:	:	PUNCT
fsr-3217	288	176	0	0	NUM
fsr-3217	288	177	to	to	PART
fsr-3217	288	178	5	5	NUM
fsr-3217	288	179	financial	financial	ADJ
fsr-3217	288	180	literacy	literacy	NOUN
fsr-3217	288	181	score	score	NOUN
fsr-3217	288	182	:	:	PUNCT
fsr-3217	288	183	0	0	NUM
fsr-3217	288	184	to	to	PART
fsr-3217	288	185	5	5	NUM
fsr-3217	288	186	iv	iv	NUM
fsr-3217	288	187	gmm	gmm	PROPN
fsr-3217	288	188	t	t	PROPN
fsr-3217	288	189	stat	stat	PROPN
fsr-3217	288	190	iv	iv	NUM
fsr-3217	288	191	probit	probit	PROPN
fsr-3217	288	192	z	z	NOUN
fsr-3217	288	193	-	-	PUNCT
fsr-3217	288	194	stat	stat	VERB
fsr-3217	288	195	iv	iv	NUM
fsr-3217	288	196	gmm	gmm	PROPN
fsr-3217	288	197	t	t	PROPN
fsr-3217	288	198	stat	stat	PROPN
fsr-3217	288	199	iv	iv	NUM
fsr-3217	288	200	probit	probit	PROPN
fsr-3217	288	201	z	z	NOUN
fsr-3217	288	202	-	-	PUNCT
fsr-3217	288	203	stat	stat	NOUN
fsr-3217	288	204	constant	constant	ADJ
fsr-3217	288	205	1.756	1.756	NUM
fsr-3217	288	206	*	*	PUNCT
fsr-3217	288	207	*	*	PUNCT
fsr-3217	288	208	*	*	PUNCT
fsr-3217	288	209	27.24	27.24	NUM
fsr-3217	288	210	0.677	0.677	NUM
fsr-3217	288	211	*	*	PUNCT
fsr-3217	289	1	*	*	PUNCT
fsr-3217	289	2	*	*	PUNCT
fsr-3217	289	3	7.02	7.02	NUM
fsr-3217	289	4	1.587	1.587	NUM
fsr-3217	289	5	*	*	PUNCT
fsr-3217	289	6	*	*	PUNCT
fsr-3217	289	7	*	*	PUNCT
fsr-3217	289	8	23.04	23.04	NUM
fsr-3217	289	9	0.531	0.531	NUM
fsr-3217	289	10	*	*	PUNCT
fsr-3217	289	11	*	*	PUNCT
fsr-3217	289	12	*	*	PUNCT
fsr-3217	289	13	4.99	4.99	NUM
fsr-3217	289	14	debt	debt	NOUN
fsr-3217	289	15	counseling	counseling	NOUN
fsr-3217	289	16	�	�	NOUN
fsr-3217	289	17	0.870	0.870	NUM
fsr-3217	289	18	*	*	PUNCT
fsr-3217	289	19	*	*	PUNCT
fsr-3217	289	20	*	*	PUNCT
fsr-3217	289	21	�	�	PROPN
fsr-3217	289	22	7.57	7.57	NUM
fsr-3217	289	23	�	�	PROPN
fsr-3217	289	24	0.071	0.071	NUM
fsr-3217	289	25	�	�	PROPN
fsr-3217	289	26	0.39	0.39	NUM
fsr-3217	289	27	savings	saving	NOUN
fsr-3217	289	28	or	or	CCONJ
fsr-3217	289	29	investments	investment	NOUN
fsr-3217	289	30	1.174	1.174	NUM
fsr-3217	289	31	*	*	PUNCT
fsr-3217	289	32	*	*	PUNCT
fsr-3217	289	33	*	*	PUNCT
fsr-3217	289	34	16.10	16.10	NUM
fsr-3217	289	35	1.248	1.248	NUM
fsr-3217	289	36	*	*	PUNCT
fsr-3217	289	37	*	*	PUNCT
fsr-3217	289	38	*	*	PUNCT
fsr-3217	289	39	7.69	7.69	NUM
fsr-3217	289	40	financial	financial	ADJ
fsr-3217	289	41	education	education	NOUN
fsr-3217	289	42	0.313	0.313	NUM
fsr-3217	289	43	*	*	PUNCT
fsr-3217	289	44	*	*	PUNCT
fsr-3217	289	45	*	*	PUNCT
fsr-3217	289	46	16.15	16.15	NUM
fsr-3217	289	47	0.366	0.366	NUM
fsr-3217	289	48	*	*	PUNCT
fsr-3217	289	49	*	*	PUNCT
fsr-3217	289	50	*	*	PUNCT
fsr-3217	289	51	7.86	7.86	NUM
fsr-3217	289	52	0.189	0.189	NUM
fsr-3217	289	53	*	*	PUNCT
fsr-3217	289	54	*	*	PUNCT
fsr-3217	289	55	*	*	PUNCT
fsr-3217	289	56	8.67	8.67	NUM
fsr-3217	289	57	0.303	0.303	NUM
fsr-3217	289	58	*	*	PUNCT
fsr-3217	289	59	*	*	PUNCT
fsr-3217	289	60	*	*	PUNCT
fsr-3217	289	61	5.81	5.81	NUM
fsr-3217	289	62	female	female	ADJ
fsr-3217	289	63	�	�	PROPN
fsr-3217	289	64	0.445	0.445	NUM
fsr-3217	289	65	*	*	PUNCT
fsr-3217	289	66	*	*	PUNCT
fsr-3217	289	67	*	*	PUNCT
fsr-3217	289	68	�	�	PROPN
fsr-3217	289	69	25.72	25.72	NUM
fsr-3217	289	70	�	�	NOUN
fsr-3217	289	71	0.212	0.212	NUM
fsr-3217	289	72	*	*	PUNCT
fsr-3217	289	73	*	*	PUNCT
fsr-3217	289	74	*	*	PUNCT
fsr-3217	289	75	�	�	PROPN
fsr-3217	289	76	6.40	6.40	NUM
fsr-3217	289	77	�	�	NOUN
fsr-3217	289	78	0.456	0.456	NUM
fsr-3217	289	79	*	*	SYM
fsr-3217	289	80	*	*	PUNCT
fsr-3217	289	81	*	*	PUNCT
fsr-3217	289	82	�	�	PROPN
fsr-3217	289	83	24.67	24.67	NUM
fsr-3217	289	84	�	�	NOUN
fsr-3217	289	85	0.238	0.238	NUM
fsr-3217	289	86	*	*	PUNCT
fsr-3217	289	87	*	*	PUNCT
fsr-3217	289	88	*	*	PUNCT
fsr-3217	289	89	�	�	PROPN
fsr-3217	289	90	6.66	6.66	NUM
fsr-3217	289	91	age	age	NOUN
fsr-3217	289	92	group	group	NOUN
fsr-3217	289	93	(	(	PUNCT
fsr-3217	289	94	reference	reference	NOUN
fsr-3217	289	95	category	category	NOUN
fsr-3217	289	96	:	:	PUNCT
fsr-3217	289	97	18–24	18–24	NUM
fsr-3217	289	98	)	)	PUNCT
fsr-3217	289	99	25–34	25–34	NUM
fsr-3217	289	100	0.221	0.221	NUM
fsr-3217	289	101	*	*	PUNCT
fsr-3217	289	102	*	*	PUNCT
fsr-3217	289	103	*	*	PUNCT
fsr-3217	289	104	5.71	5.71	NUM
fsr-3217	289	105	0.203	0.203	NUM
fsr-3217	289	106	*	*	PUNCT
fsr-3217	289	107	*	*	PUNCT
fsr-3217	289	108	*	*	PUNCT
fsr-3217	289	109	3.76	3.76	NUM
fsr-3217	289	110	0.195	0.195	NUM
fsr-3217	289	111	*	*	PUNCT
fsr-3217	289	112	*	*	PUNCT
fsr-3217	289	113	*	*	PUNCT
fsr-3217	289	114	4.58	4.58	NUM
fsr-3217	289	115	0.173	0.173	NUM
fsr-3217	289	116	*	*	PUNCT
fsr-3217	289	117	*	*	PUNCT
fsr-3217	289	118	*	*	PUNCT
fsr-3217	289	119	2.89	2.89	NUM
fsr-3217	289	120	35–44	35–44	NUM
fsr-3217	289	121	0.446	0.446	NUM
fsr-3217	289	122	*	*	PUNCT
fsr-3217	289	123	*	*	PUNCT
fsr-3217	289	124	*	*	PUNCT
fsr-3217	289	125	11.20	11.20	NUM
fsr-3217	289	126	0.235	0.235	NUM
fsr-3217	289	127	*	*	PUNCT
fsr-3217	289	128	*	*	PUNCT
fsr-3217	289	129	*	*	PUNCT
fsr-3217	289	130	4.17	4.17	NUM
fsr-3217	289	131	0.508	0.508	NUM
fsr-3217	289	132	*	*	PUNCT
fsr-3217	289	133	*	*	PUNCT
fsr-3217	289	134	*	*	PUNCT
fsr-3217	289	135	11.56	11.56	NUM
fsr-3217	289	136	0.308	0.308	NUM
fsr-3217	289	137	*	*	PUNCT
fsr-3217	289	138	*	*	PUNCT
fsr-3217	289	139	*	*	PUNCT
fsr-3217	289	140	4.75	4.75	NUM
fsr-3217	289	141	45–54	45–54	NUM
fsr-3217	289	142	0.603	0.603	NUM
fsr-3217	289	143	*	*	PUNCT
fsr-3217	289	144	*	*	PUNCT
fsr-3217	289	145	*	*	PUNCT
fsr-3217	289	146	15.64	15.64	NUM
fsr-3217	289	147	0.394	0.394	NUM
fsr-3217	289	148	*	*	PUNCT
fsr-3217	289	149	*	*	PUNCT
fsr-3217	289	150	*	*	PUNCT
fsr-3217	289	151	7.00	7.00	NUM
fsr-3217	289	152	0.656	0.656	NUM
fsr-3217	289	153	*	*	PUNCT
fsr-3217	289	154	*	*	PUNCT
fsr-3217	289	155	*	*	PUNCT
fsr-3217	289	156	15.44	15.44	NUM
fsr-3217	289	157	0.466	0.466	NUM
fsr-3217	289	158	*	*	PUNCT
fsr-3217	289	159	*	*	PUNCT
fsr-3217	289	160	*	*	PUNCT
fsr-3217	290	1	7.26	7.26	NUM
fsr-3217	290	2	55–64	55–64	NUM
fsr-3217	290	3	0.725	0.725	NUM
fsr-3217	290	4	*	*	PUNCT
fsr-3217	290	5	*	*	PUNCT
fsr-3217	290	6	*	*	PUNCT
fsr-3217	290	7	18.25	18.25	NUM
fsr-3217	290	8	0.505	0.505	NUM
fsr-3217	290	9	*	*	PUNCT
fsr-3217	290	10	*	*	PUNCT
fsr-3217	290	11	*	*	PUNCT
fsr-3217	290	12	8.16	8.16	NUM
fsr-3217	290	13	0.714	0.714	NUM
fsr-3217	290	14	*	*	PUNCT
fsr-3217	290	15	*	*	PUNCT
fsr-3217	290	16	*	*	PUNCT
fsr-3217	290	17	16.48	16.48	NUM
fsr-3217	290	18	0.490	0.490	NUM
fsr-3217	290	19	*	*	PUNCT
fsr-3217	290	20	*	*	PUNCT
fsr-3217	290	21	*	*	X
fsr-3217	290	22	7.20	7.20	NUM
fsr-3217	290	23	65	65	NUM
fsr-3217	290	24	�	�	PROPN
fsr-3217	290	25	0.850	0.850	NUM
fsr-3217	290	26	*	*	PUNCT
fsr-3217	290	27	*	*	PUNCT
fsr-3217	290	28	*	*	PUNCT
fsr-3217	290	29	19.10	19.10	NUM
fsr-3217	290	30	0.590	0.590	NUM
fsr-3217	290	31	*	*	PUNCT
fsr-3217	290	32	*	*	PUNCT
fsr-3217	290	33	*	*	PUNCT
fsr-3217	290	34	7.51	7.51	NUM
fsr-3217	290	35	0.785	0.785	NUM
fsr-3217	290	36	*	*	PUNCT
fsr-3217	290	37	*	*	PUNCT
fsr-3217	290	38	*	*	PUNCT
fsr-3217	290	39	16.36	16.36	NUM
fsr-3217	290	40	0.523	0.523	NUM
fsr-3217	290	41	*	*	PUNCT
fsr-3217	290	42	*	*	PUNCT
fsr-3217	290	43	*	*	PUNCT
fsr-3217	290	44	6.17	6.17	NUM
fsr-3217	290	45	black	black	ADJ
fsr-3217	290	46	(	(	PUNCT
fsr-3217	290	47	non	non	ADJ
fsr-3217	290	48	-	-	ADJ
fsr-3217	290	49	hispanic	hispanic	ADJ
fsr-3217	290	50	)	)	PUNCT
fsr-3217	290	51	�	�	PROPN
fsr-3217	290	52	0.269	0.269	NUM
fsr-3217	290	53	*	*	NOUN
fsr-3217	290	54	*	*	PUNCT
fsr-3217	290	55	*	*	PROPN
fsr-3217	290	56	�	�	PROPN
fsr-3217	290	57	13.02	13.02	NUM
fsr-3217	290	58	�	�	NOUN
fsr-3217	290	59	0.120	0.120	NUM
fsr-3217	290	60	*	*	PUNCT
fsr-3217	290	61	*	*	PUNCT
fsr-3217	290	62	*	*	PUNCT
fsr-3217	290	63	�	�	PROPN
fsr-3217	290	64	3.40	3.40	NUM
fsr-3217	290	65	�	�	NOUN
fsr-3217	290	66	0.278	0.278	NUM
fsr-3217	290	67	*	*	PUNCT
fsr-3217	290	68	*	*	PUNCT
fsr-3217	290	69	*	*	PROPN
fsr-3217	290	70	�	�	PROPN
fsr-3217	290	71	12.69	12.69	NUM
fsr-3217	290	72	�	�	NOUN
fsr-3217	290	73	0.120	0.120	NUM
fsr-3217	290	74	*	*	PUNCT
fsr-3217	290	75	*	*	PUNCT
fsr-3217	290	76	*	*	PUNCT
fsr-3217	290	77	�	�	PROPN
fsr-3217	290	78	3.18	3.18	NUM
fsr-3217	290	79	146	146	NUM
fsr-3217	290	80	b.	b.	PROPN
fsr-3217	290	81	balasubramnian	balasubramnian	PROPN
fsr-3217	290	82	,	,	PUNCT
fsr-3217	290	83	e.r	e.r	PROPN
fsr-3217	290	84	.	.	NOUN
fsr-3217	290	85	brisker	brisk	ADJ
fsr-3217	290	86	/	/	SYM
fsr-3217	290	87	financial	financial	ADJ
fsr-3217	290	88	services	service	NOUN
fsr-3217	290	89	review	review	VERB
fsr-3217	290	90	25	25	NUM
fsr-3217	290	91	(	(	PUNCT
fsr-3217	290	92	2016	2016	NUM
fsr-3217	290	93	)	)	PUNCT
fsr-3217	290	94	127–155	127–155	NUM
fsr-3217	290	95	table	table	NOUN
fsr-3217	290	96	6	6	NUM
fsr-3217	290	97	(	(	PUNCT
fsr-3217	290	98	continued	continued	ADJ
fsr-3217	290	99	)	)	PUNCT
fsr-3217	290	100	financial	financial	ADJ
fsr-3217	290	101	literacy	literacy	NOUN
fsr-3217	290	102	score	score	NOUN
fsr-3217	290	103	:	:	PUNCT
fsr-3217	290	104	0	0	NUM
fsr-3217	290	105	to	to	PART
fsr-3217	290	106	5	5	NUM
fsr-3217	290	107	financial	financial	ADJ
fsr-3217	290	108	literacy	literacy	NOUN
fsr-3217	290	109	score	score	NOUN
fsr-3217	290	110	:	:	PUNCT
fsr-3217	290	111	0	0	NUM
fsr-3217	290	112	to	to	PART
fsr-3217	290	113	5	5	NUM
fsr-3217	290	114	iv	iv	NUM
fsr-3217	290	115	gmm	gmm	PROPN
fsr-3217	290	116	t	t	PROPN
fsr-3217	290	117	stat	stat	PROPN
fsr-3217	290	118	iv	iv	NUM
fsr-3217	290	119	probit	probit	PROPN
fsr-3217	290	120	z	z	NOUN
fsr-3217	290	121	-	-	PUNCT
fsr-3217	290	122	stat	stat	VERB
fsr-3217	290	123	iv	iv	NUM
fsr-3217	290	124	gmm	gmm	PROPN
fsr-3217	290	125	t	t	PROPN
fsr-3217	290	126	stat	stat	PROPN
fsr-3217	290	127	iv	iv	NUM
fsr-3217	290	128	probit	probit	PROPN
fsr-3217	290	129	z	z	NOUN
fsr-3217	290	130	-	-	PUNCT
fsr-3217	290	131	stat	stat	PROPN
fsr-3217	290	132	education	education	NOUN
fsr-3217	290	133	(	(	PUNCT
fsr-3217	290	134	reference	reference	NOUN
fsr-3217	290	135	category	category	NOUN
fsr-3217	290	136	:	:	PUNCT
fsr-3217	290	137	did	do	AUX
fsr-3217	290	138	not	not	PART
fsr-3217	290	139	complete	complete	VERB
fsr-3217	290	140	high	high	ADJ
fsr-3217	290	141	school	school	NOUN
fsr-3217	290	142	)	)	PUNCT
fsr-3217	290	143	high	high	ADJ
fsr-3217	290	144	school	school	NOUN
fsr-3217	290	145	0.354	0.354	NUM
fsr-3217	290	146	*	*	PUNCT
fsr-3217	290	147	*	*	PUNCT
fsr-3217	290	148	*	*	PUNCT
fsr-3217	290	149	8.81	8.81	NUM
fsr-3217	290	150	0.318	0.318	NUM
fsr-3217	290	151	*	*	PUNCT
fsr-3217	290	152	*	*	PUNCT
fsr-3217	290	153	*	*	PUNCT
fsr-3217	290	154	6.32	6.32	NUM
fsr-3217	290	155	0.338	0.338	NUM
fsr-3217	290	156	*	*	PUNCT
fsr-3217	290	157	*	*	PUNCT
fsr-3217	290	158	*	*	PUNCT
fsr-3217	290	159	8.15	8.15	NUM
fsr-3217	290	160	0.315	0.315	NUM
fsr-3217	290	161	*	*	PUNCT
fsr-3217	290	162	*	*	PUNCT
fsr-3217	290	163	*	*	PUNCT
fsr-3217	290	164	5.74	5.74	NUM
fsr-3217	290	165	ged	ge	VERB
fsr-3217	290	166	0.273	0.273	NOUN
fsr-3217	290	167	*	*	PUNCT
fsr-3217	290	168	*	*	PUNCT
fsr-3217	290	169	*	*	PUNCT
fsr-3217	290	170	5.57	5.57	NUM
fsr-3217	290	171	0.227	0.227	NUM
fsr-3217	290	172	*	*	PUNCT
fsr-3217	290	173	*	*	PUNCT
fsr-3217	290	174	*	*	PUNCT
fsr-3217	290	175	3.64	3.64	NUM
fsr-3217	290	176	0.289	0.289	NUM
fsr-3217	290	177	*	*	PUNCT
fsr-3217	290	178	*	*	PUNCT
fsr-3217	290	179	*	*	PUNCT
fsr-3217	290	180	5.72	5.72	NUM
fsr-3217	290	181	0.283	0.283	NUM
fsr-3217	290	182	*	*	PUNCT
fsr-3217	290	183	*	*	PUNCT
fsr-3217	290	184	*	*	PUNCT
fsr-3217	290	185	4.16	4.16	NUM
fsr-3217	290	186	some	some	DET
fsr-3217	290	187	college	college	NOUN
fsr-3217	290	188	0.749	0.749	NUM
fsr-3217	290	189	*	*	PUNCT
fsr-3217	290	190	*	*	PUNCT
fsr-3217	290	191	*	*	PUNCT
fsr-3217	290	192	19.25	19.25	NUM
fsr-3217	290	193	0.603	0.603	NUM
fsr-3217	290	194	*	*	PUNCT
fsr-3217	290	195	*	*	PUNCT
fsr-3217	290	196	*	*	PUNCT
fsr-3217	290	197	11.72	11.72	NUM
fsr-3217	290	198	0.670	0.670	NUM
fsr-3217	290	199	*	*	PUNCT
fsr-3217	290	200	*	*	PUNCT
fsr-3217	290	201	*	*	PUNCT
fsr-3217	290	202	16.53	16.53	NUM
fsr-3217	290	203	0.540	0.540	NUM
fsr-3217	290	204	*	*	PUNCT
fsr-3217	290	205	*	*	PUNCT
fsr-3217	290	206	*	*	PROPN
fsr-3217	290	207	9.59	9.59	NUM
fsr-3217	290	208	college	college	NOUN
fsr-3217	290	209	graduate	graduate	NOUN
fsr-3217	290	210	1.019	1.019	NUM
fsr-3217	290	211	*	*	NOUN
fsr-3217	290	212	*	*	PUNCT
fsr-3217	290	213	*	*	PUNCT
fsr-3217	291	1	24.57	24.57	NUM
fsr-3217	291	2	0.722	0.722	NUM
fsr-3217	291	3	*	*	PUNCT
fsr-3217	291	4	*	*	PUNCT
fsr-3217	291	5	*	*	PUNCT
fsr-3217	291	6	11.68	11.68	NUM
fsr-3217	291	7	0.850	0.850	NUM
fsr-3217	291	8	*	*	PUNCT
fsr-3217	291	9	*	*	PUNCT
fsr-3217	291	10	*	*	PUNCT
fsr-3217	291	11	19.22	19.22	NUM
fsr-3217	291	12	0.590	0.590	NUM
fsr-3217	291	13	*	*	PUNCT
fsr-3217	291	14	*	*	PUNCT
fsr-3217	291	15	*	*	X
fsr-3217	291	16	8.52	8.52	NUM
fsr-3217	291	17	post	post	ADJ
fsr-3217	291	18	-	-	ADJ
fsr-3217	291	19	graduate	graduate	ADJ
fsr-3217	291	20	1.151	1.151	NUM
fsr-3217	291	21	*	*	NOUN
fsr-3217	291	22	*	*	PUNCT
fsr-3217	291	23	*	*	PUNCT
fsr-3217	291	24	26.39	26.39	NUM
fsr-3217	291	25	0.687	0.687	NUM
fsr-3217	291	26	*	*	PUNCT
fsr-3217	291	27	*	*	PUNCT
fsr-3217	291	28	*	*	PUNCT
fsr-3217	291	29	8.86	8.86	NUM
fsr-3217	291	30	0.976	0.976	NUM
fsr-3217	291	31	*	*	PUNCT
fsr-3217	291	32	*	*	PUNCT
fsr-3217	291	33	*	*	PUNCT
fsr-3217	291	34	20.47	20.47	NUM
fsr-3217	291	35	0.555	0.555	NUM
fsr-3217	291	36	*	*	NOUN
fsr-3217	291	37	*	*	PUNCT
fsr-3217	291	38	*	*	PROPN
fsr-3217	291	39	6.34	6.34	NUM
fsr-3217	291	40	marital	marital	ADJ
fsr-3217	291	41	status	status	NOUN
fsr-3217	291	42	(	(	PUNCT
fsr-3217	291	43	reference	reference	NOUN
fsr-3217	291	44	category	category	NOUN
fsr-3217	291	45	:	:	PUNCT
fsr-3217	291	46	married	married	ADJ
fsr-3217	291	47	)	)	PUNCT
fsr-3217	291	48	living	live	VERB
fsr-3217	291	49	-	-	PUNCT
fsr-3217	291	50	with	with	ADP
fsr-3217	291	51	-	-	PUNCT
fsr-3217	291	52	partner	partner	NOUN
fsr-3217	291	53	�	�	NOUN
fsr-3217	291	54	0.092	0.092	NUM
fsr-3217	291	55	*	*	PUNCT
fsr-3217	291	56	*	*	PUNCT
fsr-3217	291	57	*	*	PUNCT
fsr-3217	291	58	�	�	PROPN
fsr-3217	291	59	2.91	2.91	NUM
fsr-3217	291	60	�	�	PROPN
fsr-3217	291	61	0.032	0.032	NUM
fsr-3217	291	62	�	�	PROPN
fsr-3217	291	63	0.58	0.58	NUM
fsr-3217	291	64	�	�	NOUN
fsr-3217	291	65	0.084	0.084	NUM
fsr-3217	291	66	*	*	SYM
fsr-3217	291	67	*	*	PUNCT
fsr-3217	291	68	�	�	PROPN
fsr-3217	291	69	2.43	2.43	NUM
fsr-3217	291	70	�	�	PROPN
fsr-3217	291	71	0.036	0.036	NUM
fsr-3217	291	72	�	�	PROPN
fsr-3217	291	73	0.60	0.60	NUM
fsr-3217	291	74	single	single	ADJ
fsr-3217	291	75	�	�	PROPN
fsr-3217	291	76	0.039	0.039	NUM
fsr-3217	291	77	*	*	SYM
fsr-3217	291	78	�	�	PROPN
fsr-3217	291	79	1.82	1.82	NUM
fsr-3217	291	80	�	�	NOUN
fsr-3217	291	81	0.119	0.119	NUM
fsr-3217	291	82	*	*	PUNCT
fsr-3217	291	83	*	*	PUNCT
fsr-3217	291	84	*	*	X
fsr-3217	291	85	�	�	PROPN
fsr-3217	291	86	3.20	3.20	NUM
fsr-3217	291	87	�	�	PROPN
fsr-3217	291	88	0.031	0.031	NUM
fsr-3217	291	89	�	�	PROPN
fsr-3217	291	90	1.39	1.39	NUM
fsr-3217	291	91	�	�	NOUN
fsr-3217	291	92	0.126	0.126	NUM
fsr-3217	291	93	*	*	PUNCT
fsr-3217	291	94	*	*	PUNCT
fsr-3217	291	95	*	*	PUNCT
fsr-3217	291	96	�	�	PROPN
fsr-3217	291	97	3.15	3.15	NUM
fsr-3217	291	98	income	income	NOUN
fsr-3217	291	99	(	(	PUNCT
fsr-3217	291	100	reference	reference	NOUN
fsr-3217	291	101	category	category	NOUN
fsr-3217	291	102	:	:	PUNCT
fsr-3217	291	103	less	less	ADJ
fsr-3217	291	104	than	than	ADP
fsr-3217	291	105	$	$	SYM
fsr-3217	291	106	15,000	15,000	NUM
fsr-3217	291	107	)	)	PUNCT
fsr-3217	291	108	$	$	SYM
fsr-3217	291	109	15,000	15,000	NUM
fsr-3217	291	110	$	$	SYM
fsr-3217	291	111	24,999	24,999	NUM
fsr-3217	291	112	0.185	0.185	NUM
fsr-3217	291	113	*	*	PUNCT
fsr-3217	291	114	*	*	PUNCT
fsr-3217	291	115	*	*	PUNCT
fsr-3217	291	116	5.04	5.04	NUM
fsr-3217	291	117	0.153	0.153	NUM
fsr-3217	291	118	*	*	PUNCT
fsr-3217	291	119	*	*	PUNCT
fsr-3217	291	120	*	*	PUNCT
fsr-3217	291	121	3.02	3.02	NUM
fsr-3217	291	122	0.120	0.120	NUM
fsr-3217	291	123	*	*	PUNCT
fsr-3217	291	124	*	*	PUNCT
fsr-3217	291	125	*	*	PUNCT
fsr-3217	292	1	3.16	3.16	NUM
fsr-3217	292	2	0.118	0.118	NUM
fsr-3217	292	3	*	*	PUNCT
fsr-3217	292	4	*	*	PUNCT
fsr-3217	292	5	2.18	2.18	NUM
fsr-3217	292	6	$	$	SYM
fsr-3217	292	7	25,000	25,000	NUM
fsr-3217	292	8	$	$	SYM
fsr-3217	292	9	34,999	34,999	NUM
fsr-3217	292	10	0.277	0.277	NUM
fsr-3217	292	11	*	*	PUNCT
fsr-3217	292	12	*	*	PUNCT
fsr-3217	292	13	*	*	PUNCT
fsr-3217	293	1	7.16	7.16	NUM
fsr-3217	293	2	0.118	0.118	NUM
fsr-3217	293	3	*	*	PUNCT
fsr-3217	293	4	*	*	PUNCT
fsr-3217	293	5	2.22	2.22	NUM
fsr-3217	293	6	0.162	0.162	NUM
fsr-3217	293	7	*	*	PUNCT
fsr-3217	293	8	*	*	PUNCT
fsr-3217	293	9	*	*	PUNCT
fsr-3217	293	10	4.00	4.00	NUM
fsr-3217	293	11	0.034	0.034	NUM
fsr-3217	293	12	0.58	0.58	NUM
fsr-3217	293	13	$	$	SYM
fsr-3217	293	14	35,000	35,000	NUM
fsr-3217	293	15	$	$	SYM
fsr-3217	293	16	49,999	49,999	NUM
fsr-3217	293	17	0.435	0.435	NUM
fsr-3217	293	18	*	*	PUNCT
fsr-3217	293	19	*	*	PUNCT
fsr-3217	293	20	*	*	PUNCT
fsr-3217	293	21	11.73	11.73	NUM
fsr-3217	293	22	0.262	0.262	NUM
fsr-3217	293	23	*	*	PUNCT
fsr-3217	293	24	*	*	PUNCT
fsr-3217	293	25	*	*	PUNCT
fsr-3217	293	26	4.73	4.73	NUM
fsr-3217	293	27	0.283	0.283	NUM
fsr-3217	293	28	*	*	PUNCT
fsr-3217	293	29	*	*	PUNCT
fsr-3217	293	30	*	*	PUNCT
fsr-3217	293	31	7.21	7.21	NUM
fsr-3217	293	32	0.129	0.129	NUM
fsr-3217	293	33	*	*	PUNCT
fsr-3217	293	34	*	*	PUNCT
fsr-3217	293	35	2.10	2.10	NUM
fsr-3217	293	36	$	$	SYM
fsr-3217	293	37	50,000	50,000	NUM
fsr-3217	293	38	$	$	SYM
fsr-3217	293	39	74,999	74,999	NUM
fsr-3217	293	40	0.594	0.594	NUM
fsr-3217	293	41	*	*	PUNCT
fsr-3217	293	42	*	*	PUNCT
fsr-3217	293	43	*	*	X
fsr-3217	293	44	16.35	16.35	NUM
fsr-3217	293	45	0.450	0.450	NUM
fsr-3217	293	46	*	*	PUNCT
fsr-3217	293	47	*	*	PUNCT
fsr-3217	293	48	*	*	PUNCT
fsr-3217	293	49	7.59	7.59	NUM
fsr-3217	293	50	0.372	0.372	NUM
fsr-3217	293	51	*	*	PUNCT
fsr-3217	293	52	*	*	PUNCT
fsr-3217	293	53	*	*	PUNCT
fsr-3217	293	54	9.10	9.10	NUM
fsr-3217	293	55	0.251	0.251	NUM
fsr-3217	293	56	*	*	PUNCT
fsr-3217	293	57	*	*	PUNCT
fsr-3217	293	58	*	*	PUNCT
fsr-3217	293	59	3.59	3.59	NUM
fsr-3217	293	60	$	$	SYM
fsr-3217	293	61	75,000	75,000	NUM
fsr-3217	293	62	$	$	SYM
fsr-3217	293	63	99,999	99,999	NUM
fsr-3217	293	64	0.705	0.705	NUM
fsr-3217	293	65	*	*	PUNCT
fsr-3217	293	66	*	*	PUNCT
fsr-3217	293	67	*	*	PUNCT
fsr-3217	293	68	17.59	17.59	NUM
fsr-3217	293	69	0.362	0.362	NUM
fsr-3217	293	70	*	*	PUNCT
fsr-3217	293	71	*	*	PUNCT
fsr-3217	293	72	*	*	PUNCT
fsr-3217	293	73	5.27	5.27	NUM
fsr-3217	293	74	0.420	0.420	NUM
fsr-3217	293	75	*	*	PUNCT
fsr-3217	293	76	*	*	PUNCT
fsr-3217	293	77	*	*	PUNCT
fsr-3217	293	78	8.96	8.96	NUM
fsr-3217	293	79	0.107	0.107	NUM
fsr-3217	293	80	1.27	1.27	NUM
fsr-3217	293	81	$	$	SYM
fsr-3217	293	82	100,000	100,000	NUM
fsr-3217	293	83	$	$	SYM
fsr-3217	293	84	149,999	149,999	NUM
fsr-3217	293	85	0.810	0.810	NUM
fsr-3217	293	86	*	*	PUNCT
fsr-3217	293	87	*	*	PUNCT
fsr-3217	293	88	*	*	PUNCT
fsr-3217	293	89	19.98	19.98	NUM
fsr-3217	293	90	0.579	0.579	NUM
fsr-3217	293	91	*	*	PUNCT
fsr-3217	293	92	*	*	PUNCT
fsr-3217	293	93	*	*	PUNCT
fsr-3217	293	94	6.97	6.97	NUM
fsr-3217	293	95	0.475	0.475	NUM
fsr-3217	293	96	*	*	PUNCT
fsr-3217	293	97	*	*	PUNCT
fsr-3217	293	98	*	*	PUNCT
fsr-3217	293	99	9.55	9.55	NUM
fsr-3217	293	100	0.245	0.245	NUM
fsr-3217	293	101	*	*	PUNCT
fsr-3217	293	102	*	*	PUNCT
fsr-3217	293	103	2.40	2.40	NUM
fsr-3217	293	104	$	$	SYM
fsr-3217	293	105	150,000	150,000	NUM
fsr-3217	293	106	or	or	CCONJ
fsr-3217	293	107	more	more	ADJ
fsr-3217	293	108	0.899	0.899	NUM
fsr-3217	293	109	*	*	PUNCT
fsr-3217	293	110	*	*	PUNCT
fsr-3217	293	111	*	*	PUNCT
fsr-3217	293	112	19.86	19.86	NUM
fsr-3217	293	113	0.580	0.580	NUM
fsr-3217	293	114	*	*	PUNCT
fsr-3217	293	115	*	*	PUNCT
fsr-3217	293	116	*	*	PUNCT
fsr-3217	293	117	5.60	5.60	NUM
fsr-3217	293	118	0.506	0.506	NUM
fsr-3217	293	119	*	*	PUNCT
fsr-3217	293	120	*	*	PUNCT
fsr-3217	293	121	*	*	PUNCT
fsr-3217	293	122	8.97	8.97	NUM
fsr-3217	293	123	0.197	0.197	NUM
fsr-3217	293	124	1.56	1.56	NUM
fsr-3217	293	125	employment	employment	NOUN
fsr-3217	293	126	(	(	PUNCT
fsr-3217	293	127	reference	reference	NOUN
fsr-3217	293	128	category	category	NOUN
fsr-3217	293	129	:	:	PUNCT
fsr-3217	293	130	self	self	NOUN
fsr-3217	293	131	-	-	PUNCT
fsr-3217	293	132	employed	employ	VERB
fsr-3217	293	133	)	)	PUNCT
fsr-3217	293	134	employed	employ	VERB
fsr-3217	293	135	full	full	ADJ
fsr-3217	293	136	-	-	PUNCT
fsr-3217	293	137	time	time	NOUN
fsr-3217	293	138	�	�	PROPN
fsr-3217	293	139	0.068	0.068	NUM
fsr-3217	293	140	*	*	PROPN
fsr-3217	293	141	*	*	PROPN
fsr-3217	293	142	�	�	PROPN
fsr-3217	293	143	2.12	2.12	NUM
fsr-3217	293	144	0.029	0.029	NUM
fsr-3217	293	145	0.45	0.45	NUM
fsr-3217	293	146	�	�	PROPN
fsr-3217	293	147	0.033	0.033	NUM
fsr-3217	293	148	�	�	PROPN
fsr-3217	293	149	0.96	0.96	NUM
fsr-3217	293	150	0.081	0.081	NUM
fsr-3217	293	151	1.16	1.16	NUM
fsr-3217	293	152	employed	employ	VERB
fsr-3217	293	153	part	part	ADJ
fsr-3217	293	154	-	-	PUNCT
fsr-3217	293	155	time	time	NOUN
fsr-3217	293	156	�	�	PROPN
fsr-3217	293	157	0.129	0.129	NUM
fsr-3217	293	158	*	*	PUNCT
fsr-3217	293	159	*	*	PUNCT
fsr-3217	293	160	*	*	PUNCT
fsr-3217	293	161	�	�	PROPN
fsr-3217	293	162	3.18	3.18	NUM
fsr-3217	293	163	�	�	PROPN
fsr-3217	293	164	0.013	0.013	NUM
fsr-3217	293	165	�	�	PROPN
fsr-3217	293	166	0.18	0.18	NUM
fsr-3217	293	167	�	�	NOUN
fsr-3217	293	168	0.132	0.132	NUM
fsr-3217	293	169	*	*	NOUN
fsr-3217	293	170	*	*	PUNCT
fsr-3217	293	171	*	*	X
fsr-3217	293	172	�	�	PROPN
fsr-3217	293	173	3.06	3.06	NUM
fsr-3217	293	174	�	�	PROPN
fsr-3217	293	175	0.008	0.008	NUM
fsr-3217	293	176	�	�	PROPN
fsr-3217	293	177	0.10	0.10	NUM
fsr-3217	293	178	homemaker	homemaker	NOUN
fsr-3217	293	179	�	�	NOUN
fsr-3217	293	180	0.205	0.205	NUM
fsr-3217	293	181	*	*	PUNCT
fsr-3217	293	182	*	*	PUNCT
fsr-3217	293	183	*	*	PUNCT
fsr-3217	293	184	�	�	PROPN
fsr-3217	293	185	4.89	4.89	NUM
fsr-3217	293	186	�	�	PROPN
fsr-3217	293	187	0.043	0.043	NUM
fsr-3217	293	188	�	�	PROPN
fsr-3217	293	189	0.58	0.58	NUM
fsr-3217	293	190	�	�	PROPN
fsr-3217	293	191	0.074	0.074	NUM
fsr-3217	293	192	*	*	SYM
fsr-3217	293	193	�	�	PROPN
fsr-3217	293	194	1.66	1.66	NUM
fsr-3217	293	195	0.076	0.076	NUM
fsr-3217	293	196	0.95	0.95	NUM
fsr-3217	293	197	full	full	ADJ
fsr-3217	293	198	-	-	PUNCT
fsr-3217	293	199	time	time	NOUN
fsr-3217	293	200	student	student	NOUN
fsr-3217	293	201	0.135	0.135	NUM
fsr-3217	293	202	*	*	NOUN
fsr-3217	293	203	*	*	PUNCT
fsr-3217	293	204	2.34	2.34	NUM
fsr-3217	293	205	0.178	0.178	NUM
fsr-3217	293	206	*	*	NUM
fsr-3217	293	207	1.88	1.88	NUM
fsr-3217	293	208	0.149	0.149	NUM
fsr-3217	293	209	*	*	PUNCT
fsr-3217	293	210	*	*	PUNCT
fsr-3217	293	211	2.39	2.39	NUM
fsr-3217	293	212	0.181	0.181	NUM
fsr-3217	293	213	*	*	PUNCT
fsr-3217	293	214	1.76	1.76	NUM
fsr-3217	293	215	disabled	disabled	ADJ
fsr-3217	293	216	�	�	NOUN
fsr-3217	293	217	0.232	0.232	NUM
fsr-3217	293	218	*	*	PUNCT
fsr-3217	293	219	*	*	PUNCT
fsr-3217	293	220	*	*	PUNCT
fsr-3217	293	221	�	�	PROPN
fsr-3217	293	222	4.79	4.79	NUM
fsr-3217	293	223	�	�	PROPN
fsr-3217	293	224	0.074	0.074	NUM
fsr-3217	293	225	�	�	PROPN
fsr-3217	293	226	0.91	0.91	NUM
fsr-3217	293	227	�	�	NOUN
fsr-3217	293	228	0.140	0.140	NUM
fsr-3217	293	229	*	*	NOUN
fsr-3217	293	230	*	*	PUNCT
fsr-3217	293	231	*	*	PUNCT
fsr-3217	293	232	�	�	PROPN
fsr-3217	293	233	2.76	2.76	NUM
fsr-3217	293	234	0.005	0.005	NUM
fsr-3217	293	235	0.06	0.06	NUM
fsr-3217	293	236	unemployed	unemployed	ADJ
fsr-3217	293	237	�	�	PROPN
fsr-3217	293	238	0.137	0.137	NUM
fsr-3217	293	239	*	*	PUNCT
fsr-3217	293	240	*	*	PUNCT
fsr-3217	293	241	*	*	PUNCT
fsr-3217	293	242	�	�	PROPN
fsr-3217	293	243	3.17	3.17	NUM
fsr-3217	293	244	�	�	PROPN
fsr-3217	293	245	0.020	0.020	NUM
fsr-3217	293	246	�	�	PROPN
fsr-3217	293	247	0.27	0.27	NUM
fsr-3217	293	248	�	�	PROPN
fsr-3217	293	249	0.027	0.027	NUM
fsr-3217	293	250	�	�	PROPN
fsr-3217	293	251	0.58	0.58	NUM
fsr-3217	293	252	0.083	0.083	NUM
fsr-3217	293	253	1.04	1.04	NUM
fsr-3217	293	254	retired	retire	VERB
fsr-3217	293	255	�	�	NOUN
fsr-3217	293	256	0.119	0.119	NUM
fsr-3217	293	257	*	*	PUNCT
fsr-3217	293	258	*	*	PUNCT
fsr-3217	293	259	*	*	PUNCT
fsr-3217	293	260	�	�	PROPN
fsr-3217	293	261	3.21	3.21	NUM
fsr-3217	293	262	�	�	PROPN
fsr-3217	293	263	0.092	0.092	NUM
fsr-3217	293	264	�	�	PROPN
fsr-3217	293	265	1.15	1.15	NUM
fsr-3217	293	266	�	�	PROPN
fsr-3217	293	267	0.099	0.099	NUM
fsr-3217	293	268	*	*	PUNCT
fsr-3217	293	269	*	*	PROPN
fsr-3217	293	270	�	�	PROPN
fsr-3217	293	271	2.52	2.52	NUM
fsr-3217	293	272	�	�	PROPN
fsr-3217	293	273	0.110	0.110	NUM
fsr-3217	293	274	�	�	PROPN
fsr-3217	293	275	1.29	1.29	NUM
fsr-3217	293	276	region	region	NOUN
fsr-3217	293	277	(	(	PUNCT
fsr-3217	293	278	reference	reference	NOUN
fsr-3217	293	279	category	category	NOUN
fsr-3217	293	280	:	:	PUNCT
fsr-3217	293	281	northeast	northeast	ADJ
fsr-3217	293	282	)	)	PUNCT
fsr-3217	293	283	midwest	midwest	NOUN
fsr-3217	293	284	0.054	0.054	NUM
fsr-3217	293	285	*	*	PUNCT
fsr-3217	293	286	*	*	PUNCT
fsr-3217	293	287	2.07	2.07	NUM
fsr-3217	293	288	0.050	0.050	NUM
fsr-3217	293	289	1.06	1.06	NUM
fsr-3217	293	290	0.067	0.067	NUM
fsr-3217	293	291	*	*	PUNCT
fsr-3217	293	292	*	*	PROPN
fsr-3217	293	293	2.39	2.39	NUM
fsr-3217	293	294	0.089	0.089	NUM
fsr-3217	293	295	*	*	PUNCT
fsr-3217	293	296	1.76	1.76	NUM
fsr-3217	293	297	south	south	NOUN
fsr-3217	293	298	0.039	0.039	NUM
fsr-3217	293	299	1.59	1.59	NUM
fsr-3217	293	300	0.085	0.085	NUM
fsr-3217	293	301	*	*	PUNCT
fsr-3217	293	302	1.91	1.91	NUM
fsr-3217	293	303	0.049	0.049	NUM
fsr-3217	293	304	*	*	PUNCT
fsr-3217	293	305	1.85	1.85	NUM
fsr-3217	293	306	0.110	0.110	NUM
fsr-3217	293	307	*	*	PUNCT
fsr-3217	293	308	*	*	PROPN
fsr-3217	293	309	2.31	2.31	NUM
fsr-3217	293	310	west	west	NOUN
fsr-3217	293	311	0.172	0.172	NUM
fsr-3217	293	312	*	*	PUNCT
fsr-3217	294	1	*	*	PUNCT
fsr-3217	294	2	*	*	PUNCT
fsr-3217	295	1	6.71	6.71	NUM
fsr-3217	295	2	0.144	0.144	NUM
fsr-3217	295	3	*	*	PUNCT
fsr-3217	295	4	*	*	PUNCT
fsr-3217	295	5	*	*	PUNCT
fsr-3217	295	6	2.99	2.99	NUM
fsr-3217	295	7	0.167	0.167	NUM
fsr-3217	295	8	*	*	PUNCT
fsr-3217	295	9	*	*	PUNCT
fsr-3217	295	10	*	*	PUNCT
fsr-3217	295	11	6.08	6.08	NUM
fsr-3217	295	12	0.167	0.167	NUM
fsr-3217	295	13	*	*	PUNCT
fsr-3217	295	14	*	*	PUNCT
fsr-3217	295	15	*	*	PUNCT
fsr-3217	295	16	3.24	3.24	NUM
fsr-3217	295	17	observations	observation	NOUN
fsr-3217	295	18	22,069	22,069	NUM
fsr-3217	295	19	22,069	22,069	NUM
fsr-3217	295	20	21,095	21,095	NUM
fsr-3217	295	21	21,095	21,095	NUM
fsr-3217	295	22	adjusted	adjust	VERB
fsr-3217	295	23	r2	r2	NOUN
fsr-3217	295	24	0.275	0.275	NUM
fsr-3217	295	25	0.199	0.199	NUM
fsr-3217	295	26	financial	financial	ADJ
fsr-3217	295	27	literacy	literacy	NOUN
fsr-3217	295	28	score	score	NOUN
fsr-3217	295	29	:	:	PUNCT
fsr-3217	295	30	0	0	NUM
fsr-3217	295	31	to	to	PART
fsr-3217	295	32	5	5	NUM
fsr-3217	295	33	financial	financial	ADJ
fsr-3217	295	34	literacy	literacy	NOUN
fsr-3217	295	35	score	score	NOUN
fsr-3217	295	36	:	:	PUNCT
fsr-3217	295	37	0	0	NUM
fsr-3217	295	38	to	to	PART
fsr-3217	295	39	5	5	NUM
fsr-3217	295	40	iv	iv	NUM
fsr-3217	295	41	gmm	gmm	PROPN
fsr-3217	295	42	t	t	PROPN
fsr-3217	295	43	stat	stat	PROPN
fsr-3217	295	44	iv	iv	NUM
fsr-3217	295	45	probit	probit	PROPN
fsr-3217	295	46	z	z	NOUN
fsr-3217	295	47	-	-	PUNCT
fsr-3217	295	48	stat	stat	VERB
fsr-3217	295	49	iv	iv	NUM
fsr-3217	295	50	gmm	gmm	PROPN
fsr-3217	295	51	t	t	PROPN
fsr-3217	295	52	stat	stat	PROPN
fsr-3217	295	53	iv	iv	NUM
fsr-3217	295	54	probit	probit	PROPN
fsr-3217	295	55	z	z	NOUN
fsr-3217	295	56	-	-	PUNCT
fsr-3217	295	57	stat	stat	NOUN
fsr-3217	295	58	constant	constant	ADJ
fsr-3217	295	59	1.669	1.669	NUM
fsr-3217	295	60	*	*	PUNCT
fsr-3217	295	61	*	*	PUNCT
fsr-3217	295	62	*	*	PUNCT
fsr-3217	295	63	24.94	24.94	NUM
fsr-3217	295	64	0.552	0.552	NUM
fsr-3217	295	65	*	*	PUNCT
fsr-3217	295	66	*	*	PUNCT
fsr-3217	295	67	*	*	PUNCT
fsr-3217	295	68	5.31	5.31	NUM
fsr-3217	295	69	1.657	1.657	NUM
fsr-3217	295	70	*	*	PUNCT
fsr-3217	295	71	*	*	PUNCT
fsr-3217	295	72	*	*	PUNCT
fsr-3217	295	73	21.98	21.98	NUM
fsr-3217	295	74	0.405	0.405	NUM
fsr-3217	295	75	*	*	PUNCT
fsr-3217	295	76	*	*	PUNCT
fsr-3217	295	77	*	*	PUNCT
fsr-3217	295	78	3.24	3.24	NUM
fsr-3217	295	79	mortgage	mortgage	NOUN
fsr-3217	295	80	or	or	CCONJ
fsr-3217	295	81	loan	loan	NOUN
fsr-3217	295	82	0.410	0.410	NUM
fsr-3217	295	83	*	*	PUNCT
fsr-3217	295	84	*	*	PUNCT
fsr-3217	295	85	*	*	PUNCT
fsr-3217	295	86	2.61	2.61	NUM
fsr-3217	295	87	0.938	0.938	NUM
fsr-3217	295	88	*	*	PUNCT
fsr-3217	295	89	*	*	PUNCT
fsr-3217	295	90	*	*	PUNCT
fsr-3217	295	91	3.59	3.59	NUM
fsr-3217	295	92	insurance	insurance	NOUN
fsr-3217	295	93	0.306	0.306	NUM
fsr-3217	295	94	1.58	1.58	NUM
fsr-3217	295	95	1.383	1.383	NUM
fsr-3217	295	96	*	*	PUNCT
fsr-3217	295	97	*	*	PUNCT
fsr-3217	295	98	*	*	PUNCT
fsr-3217	295	99	3.85	3.85	NUM
fsr-3217	295	100	financial	financial	ADJ
fsr-3217	295	101	education	education	NOUN
fsr-3217	295	102	0.260	0.260	NUM
fsr-3217	295	103	*	*	PUNCT
fsr-3217	295	104	*	*	PUNCT
fsr-3217	295	105	*	*	PUNCT
fsr-3217	295	106	12.28	12.28	NUM
fsr-3217	295	107	0.293	0.293	NUM
fsr-3217	295	108	*	*	PUNCT
fsr-3217	295	109	*	*	PUNCT
fsr-3217	295	110	*	*	PUNCT
fsr-3217	295	111	5.99	5.99	NUM
fsr-3217	295	112	0.249	0.249	NUM
fsr-3217	295	113	*	*	PUNCT
fsr-3217	295	114	*	*	PUNCT
fsr-3217	295	115	*	*	PUNCT
fsr-3217	295	116	9.27	9.27	NUM
fsr-3217	295	117	0.206	0.206	NUM
fsr-3217	295	118	*	*	PUNCT
fsr-3217	295	119	*	*	PUNCT
fsr-3217	295	120	*	*	X
fsr-3217	295	121	3.45	3.45	NUM
fsr-3217	295	122	female	female	ADJ
fsr-3217	295	123	�	�	NOUN
fsr-3217	295	124	0.456	0.456	NUM
fsr-3217	295	125	*	*	SYM
fsr-3217	295	126	*	*	PUNCT
fsr-3217	295	127	*	*	PUNCT
fsr-3217	295	128	�	�	PROPN
fsr-3217	295	129	26.50	26.50	NUM
fsr-3217	295	130	�	�	NOUN
fsr-3217	295	131	0.225	0.225	NUM
fsr-3217	295	132	*	*	PUNCT
fsr-3217	295	133	*	*	PUNCT
fsr-3217	295	134	*	*	PUNCT
fsr-3217	295	135	�	�	PROPN
fsr-3217	295	136	6.71	6.71	NUM
fsr-3217	295	137	�	�	NOUN
fsr-3217	295	138	0.459	0.459	NUM
fsr-3217	295	139	*	*	NOUN
fsr-3217	295	140	*	*	PUNCT
fsr-3217	295	141	*	*	PUNCT
fsr-3217	295	142	�	�	PROPN
fsr-3217	295	143	25.47	25.47	NUM
fsr-3217	295	144	�	�	NOUN
fsr-3217	295	145	0.249	0.249	NUM
fsr-3217	295	146	*	*	PUNCT
fsr-3217	295	147	*	*	PUNCT
fsr-3217	295	148	*	*	PUNCT
fsr-3217	295	149	�	�	PROPN
fsr-3217	295	150	6.94	6.94	NUM
fsr-3217	295	151	age	age	NOUN
fsr-3217	295	152	group	group	NOUN
fsr-3217	295	153	(	(	PUNCT
fsr-3217	295	154	reference	reference	NOUN
fsr-3217	295	155	category	category	NOUN
fsr-3217	295	156	:	:	PUNCT
fsr-3217	295	157	18–24	18–24	NUM
fsr-3217	295	158	)	)	PUNCT
fsr-3217	295	159	25–34	25–34	NUM
fsr-3217	295	160	0.183	0.183	NUM
fsr-3217	295	161	*	*	PUNCT
fsr-3217	295	162	*	*	PUNCT
fsr-3217	295	163	*	*	PUNCT
fsr-3217	295	164	4.72	4.72	NUM
fsr-3217	295	165	0.172	0.172	NUM
fsr-3217	295	166	*	*	PUNCT
fsr-3217	295	167	*	*	PUNCT
fsr-3217	295	168	*	*	PUNCT
fsr-3217	295	169	3.13	3.13	NUM
fsr-3217	295	170	0.172	0.172	NUM
fsr-3217	295	171	*	*	PUNCT
fsr-3217	295	172	*	*	PUNCT
fsr-3217	295	173	*	*	PUNCT
fsr-3217	295	174	4.33	4.33	NUM
fsr-3217	295	175	0.183	0.183	NUM
fsr-3217	295	176	*	*	PUNCT
fsr-3217	295	177	*	*	PUNCT
fsr-3217	295	178	*	*	PUNCT
fsr-3217	295	179	3.18	3.18	NUM
fsr-3217	295	180	35–44	35–44	NUM
fsr-3217	295	181	0.438	0.438	NUM
fsr-3217	295	182	*	*	PUNCT
fsr-3217	295	183	*	*	PUNCT
fsr-3217	295	184	*	*	PUNCT
fsr-3217	295	185	11.06	11.06	NUM
fsr-3217	295	186	0.252	0.252	NUM
fsr-3217	295	187	*	*	PUNCT
fsr-3217	295	188	*	*	PUNCT
fsr-3217	295	189	*	*	PUNCT
fsr-3217	295	190	4.40	4.40	NUM
fsr-3217	295	191	0.428	0.428	NUM
fsr-3217	295	192	*	*	PUNCT
fsr-3217	295	193	*	*	PUNCT
fsr-3217	295	194	*	*	PUNCT
fsr-3217	295	195	10.52	10.52	NUM
fsr-3217	295	196	0.249	0.249	NUM
fsr-3217	295	197	*	*	PUNCT
fsr-3217	295	198	*	*	PUNCT
fsr-3217	295	199	*	*	PUNCT
fsr-3217	295	200	4.13	4.13	NUM
fsr-3217	295	201	45–54	45–54	NUM
fsr-3217	295	202	0.641	0.641	NUM
fsr-3217	295	203	*	*	PUNCT
fsr-3217	295	204	*	*	PUNCT
fsr-3217	295	205	*	*	PUNCT
fsr-3217	295	206	16.26	16.26	NUM
fsr-3217	295	207	0.460	0.460	NUM
fsr-3217	295	208	*	*	PUNCT
fsr-3217	295	209	*	*	PUNCT
fsr-3217	295	210	*	*	PUNCT
fsr-3217	295	211	7.70	7.70	NUM
fsr-3217	295	212	0.616	0.616	NUM
fsr-3217	295	213	*	*	PUNCT
fsr-3217	295	214	*	*	PUNCT
fsr-3217	295	215	*	*	PUNCT
fsr-3217	295	216	15.42	15.42	NUM
fsr-3217	295	217	0.441	0.441	NUM
fsr-3217	295	218	*	*	PUNCT
fsr-3217	295	219	*	*	PUNCT
fsr-3217	295	220	*	*	PUNCT
fsr-3217	295	221	7.21	7.21	NUM
fsr-3217	295	222	55–64	55–64	NUM
fsr-3217	295	223	0.768	0.768	NUM
fsr-3217	295	224	*	*	PUNCT
fsr-3217	295	225	*	*	PUNCT
fsr-3217	295	226	*	*	PUNCT
fsr-3217	295	227	18.72	18.72	NUM
fsr-3217	295	228	0.581	0.581	NUM
fsr-3217	295	229	*	*	PUNCT
fsr-3217	295	230	*	*	PUNCT
fsr-3217	295	231	*	*	PUNCT
fsr-3217	295	232	8.81	8.81	NUM
fsr-3217	295	233	0.743	0.743	NUM
fsr-3217	295	234	*	*	PUNCT
fsr-3217	295	235	*	*	PUNCT
fsr-3217	295	236	*	*	PUNCT
fsr-3217	295	237	18.10	18.10	NUM
fsr-3217	295	238	0.545	0.545	NUM
fsr-3217	295	239	*	*	PUNCT
fsr-3217	295	240	*	*	PUNCT
fsr-3217	295	241	*	*	PUNCT
fsr-3217	295	242	8.20	8.20	NUM
fsr-3217	295	243	65	65	NUM
fsr-3217	295	244	�	�	PROPN
fsr-3217	295	245	0.911	0.911	NUM
fsr-3217	295	246	*	*	PUNCT
fsr-3217	295	247	*	*	PUNCT
fsr-3217	295	248	*	*	PUNCT
fsr-3217	295	249	19.75	19.75	NUM
fsr-3217	295	250	0.676	0.676	NUM
fsr-3217	295	251	*	*	PUNCT
fsr-3217	295	252	*	*	PUNCT
fsr-3217	295	253	*	*	PUNCT
fsr-3217	295	254	8.19	8.19	NUM
fsr-3217	295	255	0.884	0.884	NUM
fsr-3217	295	256	*	*	PUNCT
fsr-3217	295	257	*	*	PUNCT
fsr-3217	295	258	*	*	PUNCT
fsr-3217	295	259	19.25	19.25	NUM
fsr-3217	295	260	0.653	0.653	NUM
fsr-3217	295	261	*	*	PUNCT
fsr-3217	295	262	*	*	PUNCT
fsr-3217	295	263	*	*	X
fsr-3217	295	264	7.78	7.78	NUM
fsr-3217	295	265	black	black	ADJ
fsr-3217	295	266	(	(	PUNCT
fsr-3217	295	267	non	non	ADJ
fsr-3217	295	268	-	-	ADJ
fsr-3217	295	269	hispanic	hispanic	ADJ
fsr-3217	295	270	)	)	PUNCT
fsr-3217	295	271	�	�	PROPN
fsr-3217	295	272	0.277	0.277	NUM
fsr-3217	295	273	*	*	PUNCT
fsr-3217	295	274	*	*	PUNCT
fsr-3217	295	275	*	*	PUNCT
fsr-3217	295	276	�	�	PROPN
fsr-3217	295	277	13.37	13.37	NUM
fsr-3217	295	278	�	�	NOUN
fsr-3217	295	279	0.088	0.088	NUM
fsr-3217	295	280	*	*	PUNCT
fsr-3217	295	281	*	*	PUNCT
fsr-3217	295	282	�	�	PROPN
fsr-3217	295	283	2.44	2.44	NUM
fsr-3217	295	284	�	�	NOUN
fsr-3217	295	285	0.298	0.298	NUM
fsr-3217	295	286	*	*	PUNCT
fsr-3217	295	287	*	*	PUNCT
fsr-3217	295	288	*	*	X
fsr-3217	295	289	�	�	PROPN
fsr-3217	295	290	14.49	14.49	NUM
fsr-3217	295	291	�	�	NOUN
fsr-3217	295	292	0.132	0.132	NUM
fsr-3217	295	293	*	*	NOUN
fsr-3217	295	294	*	*	PUNCT
fsr-3217	295	295	*	*	PUNCT
fsr-3217	295	296	�	�	PROPN
fsr-3217	295	297	3.57	3.57	NUM
fsr-3217	295	298	education	education	NOUN
fsr-3217	295	299	(	(	PUNCT
fsr-3217	295	300	reference	reference	NOUN
fsr-3217	295	301	category	category	NOUN
fsr-3217	295	302	:	:	PUNCT
fsr-3217	295	303	did	do	AUX
fsr-3217	295	304	not	not	PART
fsr-3217	295	305	complete	complete	VERB
fsr-3217	295	306	high	high	ADJ
fsr-3217	295	307	school	school	NOUN
fsr-3217	295	308	)	)	PUNCT
fsr-3217	295	309	high	high	ADJ
fsr-3217	295	310	school	school	NOUN
fsr-3217	295	311	0.339	0.339	NUM
fsr-3217	295	312	*	*	PUNCT
fsr-3217	295	313	*	*	PUNCT
fsr-3217	295	314	*	*	PUNCT
fsr-3217	295	315	8.56	8.56	NUM
fsr-3217	295	316	0.297	0.297	NUM
fsr-3217	295	317	*	*	PUNCT
fsr-3217	295	318	*	*	PUNCT
fsr-3217	295	319	*	*	PUNCT
fsr-3217	295	320	5.71	5.71	NUM
fsr-3217	295	321	0.356	0.356	NUM
fsr-3217	295	322	*	*	PUNCT
fsr-3217	295	323	*	*	PUNCT
fsr-3217	295	324	*	*	PUNCT
fsr-3217	295	325	8.91	8.91	NUM
fsr-3217	295	326	0.304	0.304	NUM
fsr-3217	295	327	*	*	PUNCT
fsr-3217	295	328	*	*	PUNCT
fsr-3217	295	329	*	*	PUNCT
fsr-3217	295	330	5.62	5.62	NUM
fsr-3217	295	331	ged	ge	VERB
fsr-3217	295	332	0.250	0.250	NUM
fsr-3217	295	333	*	*	PUNCT
fsr-3217	295	334	*	*	PUNCT
fsr-3217	295	335	*	*	PUNCT
fsr-3217	295	336	5.17	5.17	NUM
fsr-3217	295	337	0.204	0.204	NUM
fsr-3217	295	338	*	*	PUNCT
fsr-3217	295	339	*	*	PUNCT
fsr-3217	295	340	*	*	PUNCT
fsr-3217	295	341	3.20	3.20	NUM
fsr-3217	295	342	0.262	0.262	NUM
fsr-3217	295	343	*	*	PUNCT
fsr-3217	295	344	*	*	PUNCT
fsr-3217	295	345	*	*	PUNCT
fsr-3217	295	346	5.36	5.36	NUM
fsr-3217	295	347	0.209	0.209	NUM
fsr-3217	295	348	*	*	PUNCT
fsr-3217	295	349	*	*	PUNCT
fsr-3217	295	350	*	*	PUNCT
fsr-3217	295	351	3.12	3.12	NUM
fsr-3217	295	352	some	some	DET
fsr-3217	295	353	college	college	NOUN
fsr-3217	295	354	0.708	0.708	NUM
fsr-3217	295	355	*	*	PUNCT
fsr-3217	295	356	*	*	PUNCT
fsr-3217	295	357	*	*	X
fsr-3217	295	358	17.92	17.92	NUM
fsr-3217	295	359	0.535	0.535	NUM
fsr-3217	295	360	*	*	PUNCT
fsr-3217	295	361	*	*	PUNCT
fsr-3217	295	362	*	*	PUNCT
fsr-3217	295	363	9.74	9.74	NUM
fsr-3217	295	364	0.717	0.717	NUM
fsr-3217	295	365	*	*	PUNCT
fsr-3217	295	366	*	*	PUNCT
fsr-3217	295	367	*	*	PUNCT
fsr-3217	295	368	17.49	17.49	NUM
fsr-3217	295	369	0.502	0.502	NUM
fsr-3217	295	370	*	*	PUNCT
fsr-3217	295	371	*	*	PUNCT
fsr-3217	295	372	*	*	SYM
fsr-3217	295	373	8.26	8.26	NUM
fsr-3217	295	374	college	college	NOUN
fsr-3217	295	375	graduate	graduate	NOUN
fsr-3217	295	376	0.959	0.959	NUM
fsr-3217	295	377	*	*	PUNCT
fsr-3217	295	378	*	*	PUNCT
fsr-3217	295	379	*	*	PUNCT
fsr-3217	295	380	22.47	22.47	NUM
fsr-3217	295	381	0.641	0.641	NUM
fsr-3217	295	382	*	*	PUNCT
fsr-3217	295	383	*	*	PUNCT
fsr-3217	295	384	*	*	PUNCT
fsr-3217	295	385	9.69	9.69	NUM
fsr-3217	295	386	0.972	0.972	NUM
fsr-3217	295	387	*	*	PUNCT
fsr-3217	295	388	*	*	PUNCT
fsr-3217	295	389	*	*	PUNCT
fsr-3217	295	390	21.93	21.93	NUM
fsr-3217	295	391	0.619	0.619	NUM
fsr-3217	295	392	*	*	PUNCT
fsr-3217	295	393	*	*	PUNCT
fsr-3217	295	394	*	*	PUNCT
fsr-3217	295	395	8.50	8.50	NUM
fsr-3217	295	396	post	post	ADJ
fsr-3217	295	397	-	-	ADJ
fsr-3217	295	398	graduate	graduate	ADJ
fsr-3217	295	399	1.119	1.119	NUM
fsr-3217	295	400	*	*	NOUN
fsr-3217	295	401	*	*	PUNCT
fsr-3217	295	402	*	*	PUNCT
fsr-3217	295	403	24.89	24.89	NUM
fsr-3217	295	404	0.605	0.605	NUM
fsr-3217	295	405	*	*	PUNCT
fsr-3217	295	406	*	*	PUNCT
fsr-3217	295	407	*	*	PUNCT
fsr-3217	295	408	7.42	7.42	NUM
fsr-3217	295	409	1.121	1.121	NUM
fsr-3217	295	410	*	*	PUNCT
fsr-3217	295	411	*	*	PUNCT
fsr-3217	295	412	*	*	PUNCT
fsr-3217	295	413	23.96	23.96	NUM
fsr-3217	295	414	0.574	0.574	NUM
fsr-3217	295	415	*	*	PUNCT
fsr-3217	295	416	*	*	PUNCT
fsr-3217	295	417	*	*	PUNCT
fsr-3217	295	418	6.63	6.63	NUM
fsr-3217	295	419	marital	marital	ADJ
fsr-3217	295	420	status	status	NOUN
fsr-3217	295	421	(	(	PUNCT
fsr-3217	295	422	reference	reference	NOUN
fsr-3217	295	423	category	category	NOUN
fsr-3217	295	424	:	:	PUNCT
fsr-3217	295	425	married	married	ADJ
fsr-3217	295	426	)	)	PUNCT
fsr-3217	295	427	living	live	VERB
fsr-3217	295	428	-	-	PUNCT
fsr-3217	295	429	with	with	ADP
fsr-3217	295	430	-	-	PUNCT
fsr-3217	295	431	partner	partner	NOUN
fsr-3217	295	432	�	�	NOUN
fsr-3217	295	433	0.075	0.075	NUM
fsr-3217	295	434	*	*	PUNCT
fsr-3217	295	435	*	*	PUNCT
fsr-3217	295	436	�	�	PROPN
fsr-3217	295	437	2.38	2.38	NUM
fsr-3217	295	438	0.001	0.001	NUM
fsr-3217	295	439	0.01	0.01	NUM
fsr-3217	295	440	�	�	PROPN
fsr-3217	295	441	0.068	0.068	NUM
fsr-3217	295	442	*	*	PROPN
fsr-3217	295	443	*	*	PUNCT
fsr-3217	295	444	�	�	PROPN
fsr-3217	295	445	2.15	2.15	NUM
fsr-3217	295	446	0.006	0.006	NUM
fsr-3217	295	447	0.10	0.10	NUM
fsr-3217	295	448	single	single	ADJ
fsr-3217	295	449	�	�	PROPN
fsr-3217	295	450	0.012	0.012	NUM
fsr-3217	295	451	�	�	PROPN
fsr-3217	295	452	0.55	0.55	NUM
fsr-3217	295	453	�	�	PROPN
fsr-3217	295	454	0.063	0.063	NUM
fsr-3217	295	455	�	�	PROPN
fsr-3217	295	456	1.58	1.58	NUM
fsr-3217	295	457	�	�	PROPN
fsr-3217	295	458	0.012	0.012	NUM
fsr-3217	295	459	�	�	PROPN
fsr-3217	295	460	0.55	0.55	NUM
fsr-3217	295	461	�	�	PROPN
fsr-3217	295	462	0.053	0.053	NUM
fsr-3217	295	463	�	�	PROPN
fsr-3217	295	464	1.30	1.30	NUM
fsr-3217	295	465	income	income	NOUN
fsr-3217	295	466	(	(	PUNCT
fsr-3217	295	467	reference	reference	NOUN
fsr-3217	295	468	category	category	NOUN
fsr-3217	295	469	:	:	PUNCT
fsr-3217	295	470	less	less	ADJ
fsr-3217	295	471	than	than	ADP
fsr-3217	295	472	$	$	SYM
fsr-3217	295	473	15,000	15,000	NUM
fsr-3217	295	474	)	)	PUNCT
fsr-3217	295	475	$	$	SYM
fsr-3217	295	476	15,000	15,000	NUM
fsr-3217	295	477	$	$	SYM
fsr-3217	295	478	24,999	24,999	NUM
fsr-3217	295	479	0.140	0.140	NUM
fsr-3217	295	480	*	*	PUNCT
fsr-3217	295	481	*	*	PUNCT
fsr-3217	295	482	*	*	PUNCT
fsr-3217	295	483	3.89	3.89	NUM
fsr-3217	295	484	0.134	0.134	NUM
fsr-3217	295	485	*	*	PUNCT
fsr-3217	295	486	*	*	PUNCT
fsr-3217	295	487	*	*	PUNCT
fsr-3217	295	488	2.63	2.63	NUM
fsr-3217	295	489	0.131	0.131	NUM
fsr-3217	295	490	*	*	PUNCT
fsr-3217	295	491	*	*	PUNCT
fsr-3217	295	492	*	*	PUNCT
fsr-3217	295	493	3.28	3.28	NUM
fsr-3217	295	494	0.054	0.054	NUM
fsr-3217	295	495	0.89	0.89	NUM
fsr-3217	295	496	$	$	SYM
fsr-3217	295	497	25,000	25,000	NUM
fsr-3217	295	498	$	$	SYM
fsr-3217	295	499	34,999	34,999	NUM
fsr-3217	295	500	0.226	0.226	NUM
fsr-3217	295	501	*	*	PUNCT
fsr-3217	295	502	*	*	PUNCT
fsr-3217	295	503	*	*	PUNCT
fsr-3217	295	504	5.82	5.82	NUM
fsr-3217	295	505	0.071	0.071	NUM
fsr-3217	295	506	1.28	1.28	NUM
fsr-3217	295	507	0.237	0.237	NUM
fsr-3217	295	508	*	*	PUNCT
fsr-3217	295	509	*	*	PUNCT
fsr-3217	295	510	*	*	PUNCT
fsr-3217	295	511	5.56	5.56	NUM
fsr-3217	295	512	0.014	0.014	NUM
fsr-3217	295	513	0.22	0.22	NUM
fsr-3217	295	514	$	$	SYM
fsr-3217	295	515	35,000	35,000	NUM
fsr-3217	295	516	$	$	SYM
fsr-3217	295	517	49,999	49,999	NUM
fsr-3217	295	518	0.369	0.369	NUM
fsr-3217	295	519	*	*	PUNCT
fsr-3217	295	520	*	*	PUNCT
fsr-3217	295	521	*	*	PUNCT
fsr-3217	295	522	9.81	9.81	NUM
fsr-3217	295	523	0.204	0.204	NUM
fsr-3217	295	524	*	*	PUNCT
fsr-3217	295	525	*	*	PUNCT
fsr-3217	295	526	*	*	PUNCT
fsr-3217	295	527	3.50	3.50	NUM
fsr-3217	295	528	0.379	0.379	NUM
fsr-3217	295	529	*	*	PUNCT
fsr-3217	295	530	*	*	PUNCT
fsr-3217	295	531	*	*	PUNCT
fsr-3217	295	532	8.62	8.62	NUM
fsr-3217	295	533	0.115	0.115	NUM
fsr-3217	295	534	1.58	1.58	NUM
fsr-3217	295	535	$	$	SYM
fsr-3217	295	536	50,000	50,000	NUM
fsr-3217	295	537	$	$	SYM
fsr-3217	295	538	74,999	74,999	NUM
fsr-3217	295	539	0.524	0.524	NUM
fsr-3217	295	540	*	*	PUNCT
fsr-3217	295	541	*	*	PUNCT
fsr-3217	295	542	*	*	PUNCT
fsr-3217	295	543	13.09	13.09	NUM
fsr-3217	295	544	0.346	0.346	NUM
fsr-3217	295	545	*	*	PUNCT
fsr-3217	295	546	*	*	PUNCT
fsr-3217	295	547	*	*	PUNCT
fsr-3217	295	548	5.24	5.24	NUM
fsr-3217	295	549	0.536	0.536	NUM
fsr-3217	295	550	*	*	PUNCT
fsr-3217	295	551	*	*	PUNCT
fsr-3217	295	552	*	*	PUNCT
fsr-3217	295	553	11.27	11.27	NUM
fsr-3217	295	554	0.253	0.253	NUM
fsr-3217	295	555	*	*	PUNCT
fsr-3217	295	556	*	*	PUNCT
fsr-3217	295	557	*	*	PUNCT
fsr-3217	295	558	3.06	3.06	NUM
fsr-3217	295	559	147b	147b	NOUN
fsr-3217	295	560	.	.	PUNCT
fsr-3217	296	1	balasubramnian	balasubramnian	PROPN
fsr-3217	296	2	,	,	PUNCT
fsr-3217	296	3	e.r	e.r	PROPN
fsr-3217	296	4	.	.	NOUN
fsr-3217	296	5	brisker	brisk	ADJ
fsr-3217	296	6	/	/	SYM
fsr-3217	296	7	financial	financial	ADJ
fsr-3217	296	8	services	service	NOUN
fsr-3217	296	9	review	review	VERB
fsr-3217	296	10	25	25	NUM
fsr-3217	296	11	(	(	PUNCT
fsr-3217	296	12	2016	2016	NUM
fsr-3217	296	13	)	)	PUNCT
fsr-3217	296	14	127–155	127–155	NUM
fsr-3217	296	15	table	table	NOUN
fsr-3217	296	16	6	6	NUM
fsr-3217	296	17	(	(	PUNCT
fsr-3217	296	18	continued	continued	ADJ
fsr-3217	296	19	)	)	PUNCT
fsr-3217	296	20	financial	financial	ADJ
fsr-3217	296	21	literacy	literacy	NOUN
fsr-3217	296	22	score	score	NOUN
fsr-3217	296	23	:	:	PUNCT
fsr-3217	296	24	0	0	NUM
fsr-3217	296	25	to	to	PART
fsr-3217	296	26	5	5	NUM
fsr-3217	296	27	financial	financial	ADJ
fsr-3217	296	28	literacy	literacy	NOUN
fsr-3217	296	29	score	score	NOUN
fsr-3217	296	30	:	:	PUNCT
fsr-3217	296	31	0	0	NUM
fsr-3217	296	32	to	to	PART
fsr-3217	296	33	5	5	NUM
fsr-3217	296	34	iv	iv	NUM
fsr-3217	296	35	gmm	gmm	PROPN
fsr-3217	296	36	t	t	PROPN
fsr-3217	296	37	stat	stat	PROPN
fsr-3217	296	38	iv	iv	NUM
fsr-3217	296	39	probit	probit	PROPN
fsr-3217	296	40	z	z	NOUN
fsr-3217	296	41	-	-	PUNCT
fsr-3217	296	42	stat	stat	VERB
fsr-3217	296	43	iv	iv	NUM
fsr-3217	296	44	gmm	gmm	PROPN
fsr-3217	296	45	t	t	PROPN
fsr-3217	296	46	stat	stat	PROPN
fsr-3217	296	47	iv	iv	NUM
fsr-3217	296	48	probit	probit	PROPN
fsr-3217	296	49	z	z	NOUN
fsr-3217	296	50	-	-	PUNCT
fsr-3217	296	51	stat	stat	VERB
fsr-3217	296	52	$	$	SYM
fsr-3217	296	53	75,000	75,000	NUM
fsr-3217	296	54	$	$	SYM
fsr-3217	296	55	99,999	99,999	NUM
fsr-3217	296	56	0.626	0.626	NUM
fsr-3217	296	57	*	*	PUNCT
fsr-3217	296	58	*	*	PUNCT
fsr-3217	296	59	*	*	PUNCT
fsr-3217	296	60	13.58	13.58	NUM
fsr-3217	296	61	0.235	0.235	NUM
fsr-3217	296	62	*	*	PUNCT
fsr-3217	296	63	*	*	PUNCT
fsr-3217	296	64	*	*	PUNCT
fsr-3217	296	65	2.97	2.97	NUM
fsr-3217	296	66	0.659	0.659	NUM
fsr-3217	296	67	*	*	PUNCT
fsr-3217	296	68	*	*	PUNCT
fsr-3217	296	69	*	*	PUNCT
fsr-3217	296	70	12.89	12.89	NUM
fsr-3217	296	71	0.192	0.192	NUM
fsr-3217	296	72	*	*	PUNCT
fsr-3217	296	73	*	*	PUNCT
fsr-3217	296	74	2.09	2.09	NUM
fsr-3217	296	75	$	$	SYM
fsr-3217	296	76	100,000	100,000	NUM
fsr-3217	296	77	$	$	SYM
fsr-3217	296	78	149,999	149,999	NUM
fsr-3217	296	79	0.739	0.739	NUM
fsr-3217	296	80	*	*	PUNCT
fsr-3217	296	81	*	*	PUNCT
fsr-3217	296	82	*	*	PUNCT
fsr-3217	296	83	15.28	15.28	NUM
fsr-3217	296	84	0.427	0.427	NUM
fsr-3217	296	85	*	*	PUNCT
fsr-3217	296	86	*	*	PUNCT
fsr-3217	296	87	*	*	PUNCT
fsr-3217	296	88	4.51	4.51	NUM
fsr-3217	296	89	0.767	0.767	NUM
fsr-3217	296	90	*	*	PUNCT
fsr-3217	296	91	*	*	PUNCT
fsr-3217	296	92	*	*	PUNCT
fsr-3217	296	93	14.04	14.04	NUM
fsr-3217	296	94	0.356	0.356	NUM
fsr-3217	296	95	*	*	PUNCT
fsr-3217	296	96	*	*	PUNCT
fsr-3217	296	97	*	*	PUNCT
fsr-3217	296	98	3.27	3.27	NUM
fsr-3217	296	99	$	$	SYM
fsr-3217	296	100	150,000	150,000	NUM
fsr-3217	296	101	or	or	CCONJ
fsr-3217	296	102	more	more	ADJ
fsr-3217	296	103	0.827	0.827	NUM
fsr-3217	296	104	*	*	PUNCT
fsr-3217	296	105	*	*	PUNCT
fsr-3217	296	106	*	*	PUNCT
fsr-3217	296	107	14.97	14.97	NUM
fsr-3217	296	108	0.401	0.401	NUM
fsr-3217	296	109	*	*	PUNCT
fsr-3217	296	110	*	*	PUNCT
fsr-3217	296	111	*	*	PUNCT
fsr-3217	296	112	3.41	3.41	NUM
fsr-3217	296	113	0.842	0.842	NUM
fsr-3217	296	114	*	*	PUNCT
fsr-3217	296	115	*	*	PUNCT
fsr-3217	296	116	*	*	PUNCT
fsr-3217	296	117	13.57	13.57	NUM
fsr-3217	296	118	0.268	0.268	NUM
fsr-3217	296	119	*	*	PUNCT
fsr-3217	296	120	*	*	SYM
fsr-3217	296	121	2.09	2.09	NUM
fsr-3217	296	122	employment	employment	NOUN
fsr-3217	296	123	(	(	PUNCT
fsr-3217	296	124	reference	reference	NOUN
fsr-3217	296	125	category	category	NOUN
fsr-3217	296	126	:	:	PUNCT
fsr-3217	296	127	self	self	NOUN
fsr-3217	296	128	employed	employ	VERB
fsr-3217	296	129	)	)	PUNCT
fsr-3217	296	130	employed	employ	VERB
fsr-3217	296	131	full	full	ADJ
fsr-3217	296	132	-	-	PUNCT
fsr-3217	296	133	time	time	NOUN
fsr-3217	296	134	�	�	PROPN
fsr-3217	296	135	0.081	0.081	NUM
fsr-3217	296	136	*	*	PROPN
fsr-3217	296	137	*	*	PUNCT
fsr-3217	296	138	�	�	PROPN
fsr-3217	296	139	2.53	2.53	NUM
fsr-3217	296	140	0.018	0.018	NUM
fsr-3217	296	141	0.28	0.28	NUM
fsr-3217	296	142	�	�	PROPN
fsr-3217	296	143	0.067	0.067	NUM
fsr-3217	296	144	*	*	NOUN
fsr-3217	296	145	*	*	PUNCT
fsr-3217	296	146	�	�	PROPN
fsr-3217	296	147	1.97	1.97	NUM
fsr-3217	296	148	0.077	0.077	NUM
fsr-3217	296	149	1.07	1.07	NUM
fsr-3217	296	150	employed	employ	VERB
fsr-3217	296	151	part	part	ADJ
fsr-3217	296	152	-	-	PUNCT
fsr-3217	296	153	time	time	NOUN
fsr-3217	296	154	�	�	NOUN
fsr-3217	296	155	0.120	0.120	NUM
fsr-3217	296	156	*	*	PUNCT
fsr-3217	296	157	*	*	PUNCT
fsr-3217	296	158	*	*	PUNCT
fsr-3217	296	159	�	�	PROPN
fsr-3217	296	160	2.99	2.99	NUM
fsr-3217	296	161	0.012	0.012	NUM
fsr-3217	296	162	0.16	0.16	NUM
fsr-3217	296	163	�	�	NOUN
fsr-3217	296	164	0.124	0.124	NUM
fsr-3217	296	165	*	*	PUNCT
fsr-3217	296	166	*	*	PUNCT
fsr-3217	296	167	*	*	PUNCT
fsr-3217	296	168	�	�	PROPN
fsr-3217	296	169	2.98	2.98	NUM
fsr-3217	296	170	0.028	0.028	NUM
fsr-3217	296	171	0.35	0.35	NUM
fsr-3217	296	172	homemaker	homemaker	NOUN
fsr-3217	296	173	�	�	NOUN
fsr-3217	296	174	0.168	0.168	NUM
fsr-3217	296	175	*	*	PUNCT
fsr-3217	296	176	*	*	PUNCT
fsr-3217	296	177	*	*	PROPN
fsr-3217	296	178	�	�	PROPN
fsr-3217	296	179	3.99	3.99	NUM
fsr-3217	296	180	�	�	PROPN
fsr-3217	296	181	0.000	0.000	NUM
fsr-3217	296	182	�	�	PROPN
fsr-3217	296	183	0.00	0.00	NUM
fsr-3217	296	184	�	�	NOUN
fsr-3217	296	185	0.152	0.152	NUM
fsr-3217	296	186	*	*	PUNCT
fsr-3217	296	187	*	*	PUNCT
fsr-3217	296	188	*	*	PUNCT
fsr-3217	296	189	�	�	PROPN
fsr-3217	296	190	3.26	3.26	NUM
fsr-3217	296	191	0.088	0.088	NUM
fsr-3217	296	192	1.01	1.01	NUM
fsr-3217	296	193	full	full	ADJ
fsr-3217	296	194	-	-	PUNCT
fsr-3217	296	195	time	time	NOUN
fsr-3217	296	196	student	student	NOUN
fsr-3217	296	197	0.168	0.168	NUM
fsr-3217	296	198	*	*	PUNCT
fsr-3217	296	199	*	*	PUNCT
fsr-3217	296	200	*	*	PUNCT
fsr-3217	296	201	2.86	2.86	NUM
fsr-3217	296	202	0.224	0.224	NUM
fsr-3217	296	203	*	*	PUNCT
fsr-3217	296	204	*	*	PUNCT
fsr-3217	297	1	2.30	2.30	NUM
fsr-3217	297	2	0.160	0.160	NUM
fsr-3217	297	3	*	*	PUNCT
fsr-3217	297	4	*	*	PUNCT
fsr-3217	297	5	2.47	2.47	NUM
fsr-3217	297	6	0.265	0.265	NUM
fsr-3217	297	7	*	*	PUNCT
fsr-3217	297	8	*	*	PUNCT
fsr-3217	297	9	2.41	2.41	NUM
fsr-3217	297	10	disabled	disabled	ADJ
fsr-3217	297	11	�	�	NOUN
fsr-3217	297	12	0.218	0.218	NUM
fsr-3217	297	13	*	*	NOUN
fsr-3217	297	14	*	*	PUNCT
fsr-3217	297	15	*	*	PUNCT
fsr-3217	297	16	�	�	PROPN
fsr-3217	297	17	4.51	4.51	NUM
fsr-3217	297	18	�	�	PROPN
fsr-3217	297	19	0.042	0.042	NUM
fsr-3217	297	20	�	�	PROPN
fsr-3217	297	21	0.50	0.50	NUM
fsr-3217	297	22	�	�	PROPN
fsr-3217	297	23	0.211	0.211	NUM
fsr-3217	297	24	*	*	PUNCT
fsr-3217	297	25	*	*	PUNCT
fsr-3217	297	26	*	*	PUNCT
fsr-3217	297	27	�	�	PROPN
fsr-3217	297	28	4.27	4.27	NUM
fsr-3217	297	29	�	�	PROPN
fsr-3217	297	30	0.007	0.007	NUM
fsr-3217	297	31	�	�	PROPN
fsr-3217	297	32	0.08	0.08	NUM
fsr-3217	297	33	unemployed	unemployed	ADJ
fsr-3217	297	34	�	�	PROPN
fsr-3217	297	35	0.113	0.113	NUM
fsr-3217	297	36	*	*	PUNCT
fsr-3217	297	37	*	*	PUNCT
fsr-3217	297	38	*	*	PUNCT
fsr-3217	297	39	�	�	PROPN
fsr-3217	297	40	2.60	2.60	NUM
fsr-3217	297	41	0.032	0.032	NUM
fsr-3217	297	42	0.42	0.42	NUM
fsr-3217	297	43	�	�	PROPN
fsr-3217	297	44	0.093	0.093	NUM
fsr-3217	297	45	*	*	SYM
fsr-3217	297	46	�	�	PROPN
fsr-3217	297	47	1.92	1.92	NUM
fsr-3217	297	48	0.134	0.134	NUM
fsr-3217	297	49	1.52	1.52	NUM
fsr-3217	297	50	retired	retire	VERB
fsr-3217	297	51	�	�	PROPN
fsr-3217	297	52	0.087	0.087	NUM
fsr-3217	297	53	*	*	NOUN
fsr-3217	297	54	*	*	PUNCT
fsr-3217	297	55	�	�	PROPN
fsr-3217	297	56	2.34	2.34	NUM
fsr-3217	297	57	�	�	PROPN
fsr-3217	297	58	0.062	0.062	NUM
fsr-3217	297	59	�	�	PROPN
fsr-3217	297	60	0.77	0.77	NUM
fsr-3217	297	61	�	�	NOUN
fsr-3217	297	62	0.089	0.089	NUM
fsr-3217	297	63	*	*	PUNCT
fsr-3217	297	64	*	*	PUNCT
fsr-3217	297	65	�	�	PROPN
fsr-3217	297	66	2.27	2.27	NUM
fsr-3217	297	67	�	�	PROPN
fsr-3217	297	68	0.034	0.034	NUM
fsr-3217	297	69	�	�	PROPN
fsr-3217	297	70	0.40	0.40	NUM
fsr-3217	297	71	region	region	NOUN
fsr-3217	297	72	(	(	PUNCT
fsr-3217	297	73	reference	reference	NOUN
fsr-3217	297	74	category	category	NOUN
fsr-3217	297	75	:	:	PUNCT
fsr-3217	297	76	northeast	northeast	ADJ
fsr-3217	297	77	)	)	PUNCT
fsr-3217	297	78	midwest	midwest	NOUN
fsr-3217	298	1	0.063	0.063	NUM
fsr-3217	298	2	*	*	PUNCT
fsr-3217	298	3	*	*	PUNCT
fsr-3217	298	4	2.44	2.44	NUM
fsr-3217	298	5	0.051	0.051	NUM
fsr-3217	298	6	1.06	1.06	NUM
fsr-3217	298	7	0.056	0.056	NUM
fsr-3217	298	8	*	*	X
fsr-3217	298	9	*	*	PROPN
fsr-3217	298	10	2.10	2.10	NUM
fsr-3217	298	11	0.026	0.026	NUM
fsr-3217	298	12	0.51	0.51	NUM
fsr-3217	298	13	south	south	NOUN
fsr-3217	298	14	0.038	0.038	NUM
fsr-3217	298	15	1.56	1.56	NUM
fsr-3217	298	16	0.081	0.081	NUM
fsr-3217	298	17	*	*	NUM
fsr-3217	298	18	1.80	1.80	NUM
fsr-3217	298	19	0.035	0.035	NUM
fsr-3217	298	20	1.44	1.44	NUM
fsr-3217	298	21	0.083	0.083	NUM
fsr-3217	298	22	*	*	SYM
fsr-3217	298	23	1.80	1.80	NUM
fsr-3217	298	24	west	west	NOUN
fsr-3217	298	25	0.155	0.155	NUM
fsr-3217	298	26	*	*	NOUN
fsr-3217	298	27	*	*	PUNCT
fsr-3217	298	28	*	*	PUNCT
fsr-3217	298	29	5.92	5.92	NUM
fsr-3217	298	30	0.109	0.109	NUM
fsr-3217	298	31	*	*	PUNCT
fsr-3217	298	32	*	*	PUNCT
fsr-3217	298	33	2.19	2.19	NUM
fsr-3217	298	34	0.162	0.162	NUM
fsr-3217	298	35	*	*	PUNCT
fsr-3217	298	36	*	*	PUNCT
fsr-3217	298	37	*	*	PUNCT
fsr-3217	298	38	6.17	6.17	NUM
fsr-3217	298	39	0.111	0.111	NUM
fsr-3217	298	40	*	*	PUNCT
fsr-3217	298	41	*	*	PROPN
fsr-3217	298	42	2.17	2.17	NUM
fsr-3217	298	43	observations	observation	NOUN
fsr-3217	298	44	22,020	22,020	NUM
fsr-3217	298	45	22,020	22,020	NUM
fsr-3217	298	46	21,645	21,645	NUM
fsr-3217	298	47	21,645	21,645	NUM
fsr-3217	298	48	adjusted	adjust	VERB
fsr-3217	298	49	r2	r2	NOUN
fsr-3217	298	50	0.286	0.286	NUM
fsr-3217	298	51	0.288	0.288	NUM
fsr-3217	298	52	financial	financial	ADJ
fsr-3217	298	53	literacy	literacy	NOUN
fsr-3217	298	54	score	score	NOUN
fsr-3217	298	55	:	:	PUNCT
fsr-3217	298	56	0	0	NUM
fsr-3217	298	57	to	to	PART
fsr-3217	298	58	5	5	NUM
fsr-3217	298	59	iv	iv	NUM
fsr-3217	298	60	gmm	gmm	PROPN
fsr-3217	298	61	t	t	PROPN
fsr-3217	298	62	stat	stat	PROPN
fsr-3217	298	63	iv	iv	NUM
fsr-3217	298	64	probit	probit	PROPN
fsr-3217	298	65	z	z	NOUN
fsr-3217	298	66	-	-	PUNCT
fsr-3217	298	67	stat	stat	NOUN
fsr-3217	298	68	constant	constant	ADJ
fsr-3217	298	69	1.753	1.753	NUM
fsr-3217	298	70	*	*	PUNCT
fsr-3217	298	71	*	*	PUNCT
fsr-3217	298	72	*	*	PUNCT
fsr-3217	298	73	22.38	22.38	NUM
fsr-3217	298	74	0.595	0.595	NUM
fsr-3217	298	75	*	*	PUNCT
fsr-3217	298	76	*	*	PUNCT
fsr-3217	298	77	*	*	PUNCT
fsr-3217	298	78	4.75	4.75	NUM
fsr-3217	298	79	tax	tax	NOUN
fsr-3217	298	80	planning	planning	NOUN
fsr-3217	298	81	�	�	PROPN
fsr-3217	298	82	0.162	0.162	NUM
fsr-3217	298	83	�	�	PROPN
fsr-3217	298	84	0.59	0.59	NUM
fsr-3217	298	85	0.591	0.591	NUM
fsr-3217	298	86	1.24	1.24	NUM
fsr-3217	298	87	financial	financial	ADJ
fsr-3217	298	88	education	education	NOUN
fsr-3217	298	89	0.292	0.292	NUM
fsr-3217	298	90	*	*	PUNCT
fsr-3217	298	91	*	*	PUNCT
fsr-3217	298	92	*	*	PUNCT
fsr-3217	298	93	11.44	11.44	NUM
fsr-3217	298	94	0.319	0.319	NUM
fsr-3217	298	95	*	*	PUNCT
fsr-3217	298	96	*	*	PUNCT
fsr-3217	298	97	*	*	PUNCT
fsr-3217	298	98	5.63	5.63	NUM
fsr-3217	298	99	female	female	ADJ
fsr-3217	298	100	�	�	NOUN
fsr-3217	298	101	0.455	0.455	NUM
fsr-3217	298	102	*	*	PUNCT
fsr-3217	298	103	*	*	PUNCT
fsr-3217	298	104	*	*	PUNCT
fsr-3217	298	105	�	�	PROPN
fsr-3217	298	106	26.52	26.52	NUM
fsr-3217	298	107	�	�	NOUN
fsr-3217	298	108	0.219	0.219	NUM
fsr-3217	298	109	*	*	PUNCT
fsr-3217	298	110	*	*	PUNCT
fsr-3217	298	111	*	*	PROPN
fsr-3217	298	112	�	�	PROPN
fsr-3217	298	113	6.46	6.46	NUM
fsr-3217	298	114	age	age	NOUN
fsr-3217	298	115	group	group	NOUN
fsr-3217	298	116	(	(	PUNCT
fsr-3217	298	117	reference	reference	NOUN
fsr-3217	298	118	category	category	NOUN
fsr-3217	298	119	:	:	PUNCT
fsr-3217	298	120	18–24	18–24	NUM
fsr-3217	298	121	)	)	PUNCT
fsr-3217	298	122	25–34	25–34	NUM
fsr-3217	298	123	0.166	0.166	NUM
fsr-3217	298	124	*	*	PUNCT
fsr-3217	298	125	*	*	PUNCT
fsr-3217	298	126	*	*	PUNCT
fsr-3217	298	127	4.24	4.24	NUM
fsr-3217	298	128	0.194	0.194	NUM
fsr-3217	298	129	*	*	PUNCT
fsr-3217	298	130	*	*	PUNCT
fsr-3217	298	131	*	*	PUNCT
fsr-3217	298	132	3.45	3.45	NUM
fsr-3217	298	133	35–44	35–44	NUM
fsr-3217	298	134	0.405	0.405	NUM
fsr-3217	298	135	*	*	PUNCT
fsr-3217	298	136	*	*	PUNCT
fsr-3217	298	137	*	*	PUNCT
fsr-3217	298	138	9.23	9.23	NUM
fsr-3217	298	139	0.250	0.250	NUM
fsr-3217	298	140	*	*	PUNCT
fsr-3217	298	141	*	*	PUNCT
fsr-3217	298	142	*	*	PUNCT
fsr-3217	298	143	3.75	3.75	NUM
fsr-3217	298	144	45–54	45–54	NUM
fsr-3217	298	145	0.583	0.583	NUM
fsr-3217	298	146	*	*	PUNCT
fsr-3217	298	147	*	*	PUNCT
fsr-3217	298	148	*	*	PUNCT
fsr-3217	298	149	13.51	13.51	NUM
fsr-3217	298	150	0.429	0.429	NUM
fsr-3217	298	151	*	*	PUNCT
fsr-3217	298	152	*	*	PUNCT
fsr-3217	298	153	*	*	PUNCT
fsr-3217	298	154	6.43	6.43	NUM
fsr-3217	298	155	55–64	55–64	NUM
fsr-3217	298	156	0.704	0.704	NUM
fsr-3217	298	157	*	*	PUNCT
fsr-3217	298	158	*	*	PUNCT
fsr-3217	298	159	*	*	PUNCT
fsr-3217	298	160	16.22	16.22	NUM
fsr-3217	298	161	0.524	0.524	NUM
fsr-3217	298	162	*	*	PUNCT
fsr-3217	298	163	*	*	PUNCT
fsr-3217	298	164	*	*	PUNCT
fsr-3217	298	165	7.48	7.48	NUM
fsr-3217	298	166	65	65	NUM
fsr-3217	298	167	�	�	PROPN
fsr-3217	298	168	0.842	0.842	NUM
fsr-3217	298	169	*	*	NOUN
fsr-3217	298	170	*	*	PUNCT
fsr-3217	298	171	*	*	PUNCT
fsr-3217	298	172	18.68	18.68	NUM
fsr-3217	298	173	0.609	0.609	NUM
fsr-3217	298	174	*	*	PUNCT
fsr-3217	298	175	*	*	PUNCT
fsr-3217	298	176	*	*	PUNCT
fsr-3217	298	177	7.44	7.44	NUM
fsr-3217	298	178	black	black	ADJ
fsr-3217	298	179	(	(	PUNCT
fsr-3217	298	180	non	non	ADJ
fsr-3217	298	181	-	-	ADJ
fsr-3217	298	182	hispanic	hispanic	ADJ
fsr-3217	298	183	)	)	PUNCT
fsr-3217	298	184	�	�	NOUN
fsr-3217	298	185	0.294	0.294	NUM
fsr-3217	298	186	*	*	PUNCT
fsr-3217	298	187	*	*	PUNCT
fsr-3217	298	188	*	*	PUNCT
fsr-3217	298	189	�	�	PROPN
fsr-3217	298	190	14.55	14.55	NUM
fsr-3217	298	191	�	�	NOUN
fsr-3217	298	192	0.122	0.122	NUM
fsr-3217	298	193	*	*	SYM
fsr-3217	298	194	*	*	PUNCT
fsr-3217	298	195	*	*	PUNCT
fsr-3217	298	196	�	�	PROPN
fsr-3217	298	197	3.42	3.42	NUM
fsr-3217	298	198	education	education	NOUN
fsr-3217	298	199	(	(	PUNCT
fsr-3217	298	200	reference	reference	NOUN
fsr-3217	298	201	category	category	NOUN
fsr-3217	298	202	:	:	PUNCT
fsr-3217	298	203	did	do	AUX
fsr-3217	298	204	not	not	PART
fsr-3217	298	205	complete	complete	VERB
fsr-3217	298	206	high	high	ADJ
fsr-3217	298	207	school	school	NOUN
fsr-3217	298	208	)	)	PUNCT
fsr-3217	298	209	high	high	ADJ
fsr-3217	298	210	school	school	NOUN
fsr-3217	298	211	0.364	0.364	NOUN
fsr-3217	298	212	*	*	PUNCT
fsr-3217	298	213	*	*	PUNCT
fsr-3217	298	214	*	*	PUNCT
fsr-3217	298	215	9.14	9.14	NUM
fsr-3217	298	216	0.321	0.321	NUM
fsr-3217	298	217	*	*	PUNCT
fsr-3217	298	218	*	*	PUNCT
fsr-3217	298	219	*	*	PUNCT
fsr-3217	298	220	6.23	6.23	NUM
fsr-3217	298	221	ged	ge	VERB
fsr-3217	298	222	0.270	0.270	NUM
fsr-3217	298	223	*	*	PUNCT
fsr-3217	298	224	*	*	PUNCT
fsr-3217	298	225	*	*	PUNCT
fsr-3217	298	226	5.54	5.54	NUM
fsr-3217	298	227	0.240	0.240	NUM
fsr-3217	298	228	*	*	PUNCT
fsr-3217	298	229	*	*	PUNCT
fsr-3217	298	230	*	*	PUNCT
fsr-3217	298	231	3.76	3.76	NUM
fsr-3217	298	232	some	some	DET
fsr-3217	298	233	college	college	NOUN
fsr-3217	298	234	0.742	0.742	NUM
fsr-3217	298	235	*	*	PUNCT
fsr-3217	298	236	*	*	PUNCT
fsr-3217	298	237	*	*	PUNCT
fsr-3217	298	238	18.74	18.74	NUM
fsr-3217	298	239	0.576	0.576	NUM
fsr-3217	298	240	*	*	PUNCT
fsr-3217	298	241	*	*	PUNCT
fsr-3217	298	242	*	*	X
fsr-3217	298	243	10.52	10.52	NUM
fsr-3217	298	244	college	college	NOUN
fsr-3217	298	245	graduate	graduate	NOUN
fsr-3217	298	246	1.012	1.012	NUM
fsr-3217	298	247	*	*	PUNCT
fsr-3217	298	248	*	*	PUNCT
fsr-3217	298	249	*	*	PUNCT
fsr-3217	298	250	22.58	22.58	NUM
fsr-3217	298	251	0.704	0.704	NUM
fsr-3217	298	252	*	*	PUNCT
fsr-3217	298	253	*	*	PUNCT
fsr-3217	298	254	*	*	PUNCT
fsr-3217	298	255	9.88	9.88	NUM
fsr-3217	298	256	post	post	ADJ
fsr-3217	298	257	-	-	ADJ
fsr-3217	298	258	graduate	graduate	ADJ
fsr-3217	298	259	1.174	1.174	NUM
fsr-3217	298	260	*	*	NOUN
fsr-3217	298	261	*	*	PUNCT
fsr-3217	298	262	*	*	PUNCT
fsr-3217	298	263	22.39	22.39	NUM
fsr-3217	298	264	0.657	0.657	NUM
fsr-3217	298	265	*	*	PUNCT
fsr-3217	298	266	*	*	PUNCT
fsr-3217	298	267	*	*	PUNCT
fsr-3217	298	268	6.85	6.85	NUM
fsr-3217	298	269	marital	marital	ADJ
fsr-3217	298	270	status	status	NOUN
fsr-3217	298	271	(	(	PUNCT
fsr-3217	298	272	reference	reference	NOUN
fsr-3217	298	273	category	category	NOUN
fsr-3217	298	274	:	:	PUNCT
fsr-3217	298	275	married	married	ADJ
fsr-3217	298	276	)	)	PUNCT
fsr-3217	298	277	living	live	VERB
fsr-3217	298	278	-	-	PUNCT
fsr-3217	298	279	with	with	ADP
fsr-3217	298	280	-	-	PUNCT
fsr-3217	298	281	partner	partner	NOUN
fsr-3217	298	282	�	�	NOUN
fsr-3217	298	283	0.087	0.087	NUM
fsr-3217	298	284	*	*	NOUN
fsr-3217	298	285	*	*	PUNCT
fsr-3217	298	286	*	*	PUNCT
fsr-3217	298	287	�	�	NOUN
fsr-3217	298	288	2.66	2.66	NUM
fsr-3217	298	289	0.004	0.004	NUM
fsr-3217	298	290	0.06	0.06	NUM
fsr-3217	298	291	single	single	ADJ
fsr-3217	298	292	�	�	PROPN
fsr-3217	298	293	0.027	0.027	NUM
fsr-3217	298	294	�	�	PROPN
fsr-3217	298	295	1.26	1.26	NUM
fsr-3217	298	296	�	�	NOUN
fsr-3217	298	297	0.098	0.098	NUM
fsr-3217	298	298	*	*	PUNCT
fsr-3217	298	299	*	*	PROPN
fsr-3217	298	300	�	�	PROPN
fsr-3217	298	301	2.52	2.52	NUM
fsr-3217	298	302	income	income	NOUN
fsr-3217	298	303	(	(	PUNCT
fsr-3217	298	304	reference	reference	NOUN
fsr-3217	298	305	category	category	NOUN
fsr-3217	298	306	:	:	PUNCT
fsr-3217	298	307	less	less	ADJ
fsr-3217	298	308	than	than	ADP
fsr-3217	298	309	$	$	SYM
fsr-3217	298	310	15,000	15,000	NUM
fsr-3217	298	311	)	)	PUNCT
fsr-3217	298	312	$	$	SYM
fsr-3217	298	313	15,000	15,000	NUM
fsr-3217	298	314	$	$	SYM
fsr-3217	298	315	24,999	24,999	NUM
fsr-3217	298	316	0.161	0.161	NUM
fsr-3217	298	317	*	*	PUNCT
fsr-3217	298	318	*	*	PUNCT
fsr-3217	298	319	*	*	PUNCT
fsr-3217	298	320	4.37	4.37	NUM
fsr-3217	298	321	0.132	0.132	NUM
fsr-3217	298	322	*	*	PUNCT
fsr-3217	298	323	*	*	PUNCT
fsr-3217	298	324	2.52	2.52	NUM
fsr-3217	298	325	$	$	SYM
fsr-3217	298	326	25,000	25,000	NUM
fsr-3217	298	327	$	$	SYM
fsr-3217	298	328	34,999	34,999	NUM
fsr-3217	298	329	0.285	0.285	NUM
fsr-3217	298	330	*	*	PUNCT
fsr-3217	298	331	*	*	PUNCT
fsr-3217	298	332	*	*	PUNCT
fsr-3217	298	333	6.97	6.97	NUM
fsr-3217	298	334	0.092	0.092	NUM
fsr-3217	298	335	1.54	1.54	NUM
fsr-3217	298	336	$	$	SYM
fsr-3217	298	337	35,000	35,000	NUM
fsr-3217	298	338	$	$	SYM
fsr-3217	298	339	49,999	49,999	NUM
fsr-3217	298	340	0.437	0.437	NUM
fsr-3217	298	341	*	*	PUNCT
fsr-3217	298	342	*	*	PUNCT
fsr-3217	298	343	*	*	PUNCT
fsr-3217	298	344	10.29	10.29	NUM
fsr-3217	298	345	0.215	0.215	NUM
fsr-3217	298	346	*	*	PUNCT
fsr-3217	298	347	*	*	PUNCT
fsr-3217	298	348	*	*	PUNCT
fsr-3217	298	349	3.16	3.16	NUM
fsr-3217	298	350	$	$	SYM
fsr-3217	298	351	50,000	50,000	NUM
fsr-3217	298	352	$	$	SYM
fsr-3217	298	353	74,999	74,999	NUM
fsr-3217	298	354	0.611	0.611	NUM
fsr-3217	298	355	*	*	PUNCT
fsr-3217	298	356	*	*	PUNCT
fsr-3217	298	357	*	*	PUNCT
fsr-3217	298	358	12.60	12.60	NUM
fsr-3217	298	359	0.377	0.377	NUM
fsr-3217	298	360	*	*	PUNCT
fsr-3217	298	361	*	*	PUNCT
fsr-3217	298	362	*	*	PUNCT
fsr-3217	298	363	4.53	4.53	NUM
fsr-3217	298	364	$	$	SYM
fsr-3217	298	365	75,000	75,000	NUM
fsr-3217	298	366	$	$	SYM
fsr-3217	298	367	99,999	99,999	NUM
fsr-3217	298	368	0.751	0.751	NUM
fsr-3217	298	369	*	*	PUNCT
fsr-3217	298	370	*	*	PUNCT
fsr-3217	298	371	*	*	PUNCT
fsr-3217	298	372	12.52	12.52	NUM
fsr-3217	298	373	0.279	0.279	NUM
fsr-3217	298	374	*	*	PUNCT
fsr-3217	298	375	*	*	PUNCT
fsr-3217	298	376	*	*	PUNCT
fsr-3217	298	377	2.66	2.66	NUM
fsr-3217	298	378	$	$	SYM
fsr-3217	298	379	100,000	100,000	NUM
fsr-3217	298	380	$	$	SYM
fsr-3217	298	381	149,999	149,999	NUM
fsr-3217	298	382	0.868	0.868	NUM
fsr-3217	298	383	*	*	PUNCT
fsr-3217	298	384	*	*	PUNCT
fsr-3217	298	385	*	*	PUNCT
fsr-3217	298	386	12.09	12.09	NUM
fsr-3217	298	387	0.438	0.438	NUM
fsr-3217	298	388	*	*	PUNCT
fsr-3217	298	389	*	*	PUNCT
fsr-3217	298	390	*	*	PUNCT
fsr-3217	298	391	3.27	3.27	NUM
fsr-3217	298	392	$	$	SYM
fsr-3217	298	393	150,000	150,000	NUM
fsr-3217	298	394	or	or	CCONJ
fsr-3217	298	395	more	more	ADJ
fsr-3217	298	396	0.973	0.973	NUM
fsr-3217	298	397	*	*	PUNCT
fsr-3217	298	398	*	*	PUNCT
fsr-3217	298	399	*	*	PUNCT
fsr-3217	298	400	10.16	10.16	NUM
fsr-3217	298	401	0.394	0.394	NUM
fsr-3217	298	402	*	*	SYM
fsr-3217	298	403	*	*	PUNCT
fsr-3217	298	404	2.16	2.16	NUM
fsr-3217	298	405	employment	employment	NOUN
fsr-3217	298	406	(	(	PUNCT
fsr-3217	298	407	reference	reference	NOUN
fsr-3217	298	408	category	category	NOUN
fsr-3217	298	409	:	:	PUNCT
fsr-3217	298	410	self	self	NOUN
fsr-3217	298	411	-	-	PUNCT
fsr-3217	298	412	employed	employ	VERB
fsr-3217	298	413	)	)	PUNCT
fsr-3217	298	414	employed	employ	VERB
fsr-3217	298	415	full	full	ADJ
fsr-3217	298	416	-	-	PUNCT
fsr-3217	298	417	time	time	NOUN
fsr-3217	298	418	�	�	NOUN
fsr-3217	298	419	0.098	0.098	NUM
fsr-3217	298	420	*	*	NOUN
fsr-3217	298	421	*	*	PUNCT
fsr-3217	298	422	�	�	PROPN
fsr-3217	298	423	2.36	2.36	NUM
fsr-3217	298	424	0.065	0.065	NUM
fsr-3217	298	425	0.81	0.81	NUM
fsr-3217	298	426	employed	employ	VERB
fsr-3217	298	427	part	part	ADJ
fsr-3217	298	428	-	-	PUNCT
fsr-3217	298	429	time	time	NOUN
fsr-3217	298	430	�	�	NOUN
fsr-3217	298	431	0.146	0.146	NOUN
fsr-3217	298	432	*	*	NOUN
fsr-3217	298	433	*	*	PUNCT
fsr-3217	298	434	*	*	PUNCT
fsr-3217	298	435	�	�	PROPN
fsr-3217	298	436	3.45	3.45	NUM
fsr-3217	298	437	�	�	PROPN
fsr-3217	298	438	0.002	0.002	NUM
fsr-3217	298	439	�	�	PROPN
fsr-3217	298	440	0.03	0.03	NUM
fsr-3217	298	441	homemaker	homemaker	NOUN
fsr-3217	298	442	�	�	NOUN
fsr-3217	298	443	0.199	0.199	NUM
fsr-3217	298	444	*	*	PUNCT
fsr-3217	298	445	*	*	PUNCT
fsr-3217	298	446	*	*	PUNCT
fsr-3217	298	447	�	�	PROPN
fsr-3217	298	448	4.18	4.18	NUM
fsr-3217	298	449	�	�	PROPN
fsr-3217	298	450	0.005	0.005	NUM
fsr-3217	298	451	�	�	PROPN
fsr-3217	298	452	0.06	0.06	NUM
fsr-3217	298	453	148	148	NUM
fsr-3217	298	454	b.	b.	PROPN
fsr-3217	298	455	balasubramnian	balasubramnian	PROPN
fsr-3217	298	456	,	,	PUNCT
fsr-3217	298	457	e.r	e.r	PROPN
fsr-3217	298	458	.	.	NOUN
fsr-3217	298	459	brisker	brisk	ADJ
fsr-3217	298	460	/	/	SYM
fsr-3217	298	461	financial	financial	ADJ
fsr-3217	298	462	services	service	NOUN
fsr-3217	298	463	review	review	VERB
fsr-3217	298	464	25	25	NUM
fsr-3217	298	465	(	(	PUNCT
fsr-3217	298	466	2016	2016	NUM
fsr-3217	298	467	)	)	PUNCT
fsr-3217	298	468	127–155	127–155	NUM
fsr-3217	298	469	statistically	statistically	ADV
fsr-3217	298	470	significant	significant	ADJ
fsr-3217	298	471	at	at	ADP
fsr-3217	298	472	the	the	DET
fsr-3217	298	473	1	1	NUM
fsr-3217	298	474	%	%	NOUN
fsr-3217	298	475	level	level	NOUN
fsr-3217	298	476	.	.	PUNCT
fsr-3217	299	1	this	this	PRON
fsr-3217	299	2	indicates	indicate	VERB
fsr-3217	299	3	they	they	PRON
fsr-3217	299	4	are	be	AUX
fsr-3217	299	5	legitimate	legitimate	ADJ
fsr-3217	299	6	instruments	instrument	NOUN
fsr-3217	299	7	to	to	PART
fsr-3217	299	8	use	use	VERB
fsr-3217	299	9	in	in	ADP
fsr-3217	299	10	predicting	predict	VERB
fsr-3217	299	11	the	the	DET
fsr-3217	299	12	probability	probability	NOUN
fsr-3217	299	13	of	of	ADP
fsr-3217	299	14	using	use	VERB
fsr-3217	299	15	each	each	DET
fsr-3217	299	16	type	type	NOUN
fsr-3217	299	17	of	of	ADP
fsr-3217	299	18	financial	financial	ADJ
fsr-3217	299	19	adviser	adviser	NOUN
fsr-3217	299	20	.	.	PUNCT
fsr-3217	300	1	table	table	NOUN
fsr-3217	300	2	6	6	NUM
fsr-3217	300	3	,	,	PUNCT
fsr-3217	300	4	panel	panel	NOUN
fsr-3217	300	5	b	b	NOUN
fsr-3217	300	6	,	,	PUNCT
fsr-3217	300	7	report	report	NOUN
fsr-3217	300	8	results	result	NOUN
fsr-3217	300	9	for	for	ADP
fsr-3217	300	10	the	the	DET
fsr-3217	300	11	second	second	ADJ
fsr-3217	300	12	-	-	PUNCT
fsr-3217	300	13	stage	stage	NOUN
fsr-3217	300	14	estimates	estimate	NOUN
fsr-3217	300	15	for	for	ADP
fsr-3217	300	16	each	each	DET
fsr-3217	300	17	model	model	NOUN
fsr-3217	300	18	where	where	SCONJ
fsr-3217	300	19	financial	financial	ADJ
fsr-3217	300	20	literacy	literacy	NOUN
fsr-3217	300	21	score	score	NOUN
fsr-3217	300	22	is	be	AUX
fsr-3217	300	23	the	the	DET
fsr-3217	300	24	dependent	dependent	ADJ
fsr-3217	300	25	variable	variable	NOUN
fsr-3217	300	26	,	,	PUNCT
fsr-3217	300	27	and	and	CCONJ
fsr-3217	300	28	the	the	DET
fsr-3217	300	29	predicted	predict	VERB
fsr-3217	300	30	financial	financial	ADJ
fsr-3217	300	31	adviser	adviser	NOUN
fsr-3217	300	32	type	type	NOUN
fsr-3217	300	33	user	user	NOUN
fsr-3217	300	34	from	from	ADP
fsr-3217	300	35	the	the	DET
fsr-3217	300	36	first	first	ADJ
fsr-3217	300	37	stage	stage	NOUN
fsr-3217	300	38	model	model	NOUN
fsr-3217	300	39	and	and	CCONJ
fsr-3217	300	40	the	the	DET
fsr-3217	300	41	demographic	demographic	ADJ
fsr-3217	300	42	characteristics	characteristic	NOUN
fsr-3217	300	43	are	be	AUX
fsr-3217	300	44	used	use	VERB
fsr-3217	300	45	as	as	ADP
fsr-3217	300	46	independent	independent	ADJ
fsr-3217	300	47	variables	variable	NOUN
fsr-3217	300	48	.	.	PUNCT
fsr-3217	301	1	using	use	VERB
fsr-3217	301	2	the	the	DET
fsr-3217	301	3	gmm	gmm	PROPN
fsr-3217	301	4	estimator	estimator	NOUN
fsr-3217	301	5	we	we	PRON
fsr-3217	301	6	find	find	VERB
fsr-3217	301	7	that	that	SCONJ
fsr-3217	301	8	debt	debt	NOUN
fsr-3217	301	9	counseling	counseling	NOUN
fsr-3217	301	10	remains	remain	VERB
fsr-3217	301	11	negatively	negatively	ADV
fsr-3217	301	12	related	relate	VERB
fsr-3217	301	13	to	to	ADP
fsr-3217	301	14	financial	financial	ADJ
fsr-3217	301	15	literacy	literacy	NOUN
fsr-3217	301	16	scores	score	NOUN
fsr-3217	301	17	,	,	PUNCT
fsr-3217	301	18	however	however	ADV
fsr-3217	301	19	,	,	PUNCT
fsr-3217	301	20	the	the	DET
fsr-3217	301	21	iv	iv	NUM
fsr-3217	301	22	probit	probit	NOUN
fsr-3217	301	23	estimates	estimate	NOUN
fsr-3217	301	24	indicate	indicate	VERB
fsr-3217	301	25	that	that	SCONJ
fsr-3217	301	26	debt	debt	NOUN
fsr-3217	301	27	counseling	counseling	NOUN
fsr-3217	301	28	is	be	AUX
fsr-3217	301	29	not	not	PART
fsr-3217	301	30	significantly	significantly	ADV
fsr-3217	301	31	related	relate	VERB
fsr-3217	301	32	to	to	ADP
fsr-3217	301	33	financial	financial	ADJ
fsr-3217	301	34	literacy	literacy	NOUN
fsr-3217	301	35	scores	score	NOUN
fsr-3217	301	36	.	.	PUNCT
fsr-3217	302	1	savings	saving	NOUN
fsr-3217	302	2	or	or	CCONJ
fsr-3217	302	3	investments	investment	NOUN
fsr-3217	302	4	and	and	CCONJ
fsr-3217	302	5	mortgage	mortgage	NOUN
fsr-3217	302	6	or	or	CCONJ
fsr-3217	302	7	loan	loan	NOUN
fsr-3217	302	8	remains	remain	VERB
fsr-3217	302	9	positively	positively	ADV
fsr-3217	302	10	related	relate	VERB
fsr-3217	302	11	to	to	ADP
fsr-3217	302	12	higher	high	ADJ
fsr-3217	302	13	financial	financial	ADJ
fsr-3217	302	14	literacy	literacy	NOUN
fsr-3217	302	15	scores	score	NOUN
fsr-3217	302	16	using	use	VERB
fsr-3217	302	17	both	both	CCONJ
fsr-3217	302	18	the	the	DET
fsr-3217	302	19	gmm	gmm	PROPN
fsr-3217	302	20	estimator	estimator	NOUN
fsr-3217	302	21	and	and	CCONJ
fsr-3217	302	22	iv	iv	NUM
fsr-3217	302	23	probit	probit	NOUN
fsr-3217	302	24	estimates	estimate	NOUN
fsr-3217	302	25	.	.	PUNCT
fsr-3217	303	1	insurance	insurance	NOUN
fsr-3217	303	2	advisers	adviser	NOUN
fsr-3217	303	3	remain	remain	VERB
fsr-3217	303	4	positively	positively	ADV
fsr-3217	303	5	related	relate	VERB
fsr-3217	303	6	with	with	ADP
fsr-3217	303	7	higher	high	ADJ
fsr-3217	303	8	financial	financial	ADJ
fsr-3217	303	9	literacy	literacy	NOUN
fsr-3217	303	10	scores	score	NOUN
fsr-3217	303	11	only	only	ADV
fsr-3217	303	12	when	when	SCONJ
fsr-3217	303	13	using	use	VERB
fsr-3217	303	14	the	the	DET
fsr-3217	303	15	iv	iv	NUM
fsr-3217	303	16	probit	probit	NOUN
fsr-3217	303	17	estimates	estimate	NOUN
fsr-3217	303	18	,	,	PUNCT
fsr-3217	303	19	and	and	CCONJ
fsr-3217	303	20	not	not	PART
fsr-3217	303	21	significant	significant	ADJ
fsr-3217	303	22	when	when	SCONJ
fsr-3217	303	23	using	use	VERB
fsr-3217	303	24	the	the	DET
fsr-3217	303	25	gmm	gmm	PROPN
fsr-3217	303	26	estimator	estimator	NOUN
fsr-3217	303	27	.	.	PUNCT
fsr-3217	304	1	tax	tax	NOUN
fsr-3217	304	2	planning	planning	NOUN
fsr-3217	304	3	remains	remain	VERB
fsr-3217	304	4	not	not	PART
fsr-3217	304	5	significantly	significantly	ADV
fsr-3217	304	6	related	relate	VERB
fsr-3217	304	7	to	to	ADP
fsr-3217	304	8	financial	financial	ADJ
fsr-3217	304	9	literacy	literacy	NOUN
fsr-3217	304	10	scores	score	NOUN
fsr-3217	304	11	using	use	VERB
fsr-3217	304	12	both	both	CCONJ
fsr-3217	304	13	the	the	DET
fsr-3217	304	14	gmm	gmm	PROPN
fsr-3217	304	15	estimator	estimator	NOUN
fsr-3217	304	16	and	and	CCONJ
fsr-3217	304	17	iv	iv	NUM
fsr-3217	304	18	probit	probit	NOUN
fsr-3217	304	19	estimates	estimate	NOUN
fsr-3217	304	20	.	.	PUNCT
fsr-3217	305	1	overall	overall	ADV
fsr-3217	305	2	,	,	PUNCT
fsr-3217	305	3	our	our	PRON
fsr-3217	305	4	results	result	NOUN
fsr-3217	305	5	in	in	ADP
fsr-3217	305	6	table	table	NOUN
fsr-3217	305	7	6	6	NUM
fsr-3217	305	8	are	be	AUX
fsr-3217	305	9	similar	similar	ADJ
fsr-3217	305	10	to	to	ADP
fsr-3217	305	11	those	those	PRON
fsr-3217	305	12	reported	report	VERB
fsr-3217	305	13	in	in	ADP
fsr-3217	305	14	table	table	NOUN
fsr-3217	305	15	5	5	NUM
fsr-3217	305	16	with	with	ADP
fsr-3217	305	17	the	the	DET
fsr-3217	305	18	exception	exception	NOUN
fsr-3217	305	19	that	that	PRON
fsr-3217	305	20	debt	debt	NOUN
fsr-3217	305	21	counseling	counseling	NOUN
fsr-3217	305	22	is	be	AUX
fsr-3217	305	23	not	not	PART
fsr-3217	305	24	significant	significant	ADJ
fsr-3217	305	25	when	when	SCONJ
fsr-3217	305	26	using	use	VERB
fsr-3217	305	27	the	the	DET
fsr-3217	305	28	iv	iv	NUM
fsr-3217	305	29	probit	probit	NOUN
fsr-3217	305	30	estimate	estimate	NOUN
fsr-3217	305	31	,	,	PUNCT
fsr-3217	305	32	and	and	CCONJ
fsr-3217	305	33	insurance	insurance	NOUN
fsr-3217	305	34	is	be	AUX
fsr-3217	305	35	not	not	PART
fsr-3217	305	36	significant	significant	ADJ
fsr-3217	305	37	when	when	SCONJ
fsr-3217	305	38	using	use	VERB
fsr-3217	305	39	the	the	DET
fsr-3217	305	40	iv	iv	NUM
fsr-3217	305	41	gmm	gmm	NOUN
fsr-3217	305	42	estimator	estimator	NOUN
fsr-3217	305	43	.	.	PUNCT
fsr-3217	306	1	savings	saving	NOUN
fsr-3217	306	2	or	or	CCONJ
fsr-3217	306	3	investments	investment	NOUN
fsr-3217	306	4	and	and	CCONJ
fsr-3217	306	5	mortgage	mortgage	NOUN
fsr-3217	306	6	or	or	CCONJ
fsr-3217	306	7	loan	loan	NOUN
fsr-3217	306	8	advisers	adviser	NOUN
fsr-3217	306	9	appear	appear	VERB
fsr-3217	306	10	to	to	PART
fsr-3217	306	11	have	have	VERB
fsr-3217	306	12	the	the	DET
fsr-3217	306	13	strongest	strong	ADJ
fsr-3217	306	14	impact	impact	NOUN
fsr-3217	306	15	on	on	ADP
fsr-3217	306	16	the	the	DET
fsr-3217	306	17	financial	financial	ADJ
fsr-3217	306	18	literacy	literacy	NOUN
fsr-3217	306	19	of	of	ADP
fsr-3217	306	20	their	their	PRON
fsr-3217	306	21	clients	client	NOUN
fsr-3217	306	22	,	,	PUNCT
fsr-3217	306	23	even	even	ADV
fsr-3217	306	24	when	when	SCONJ
fsr-3217	306	25	controlling	control	VERB
fsr-3217	306	26	for	for	ADP
fsr-3217	306	27	demographic	demographic	ADJ
fsr-3217	306	28	characteristics	characteristic	NOUN
fsr-3217	306	29	that	that	PRON
fsr-3217	306	30	are	be	AUX
fsr-3217	306	31	shown	show	VERB
fsr-3217	306	32	to	to	PART
fsr-3217	306	33	impact	impact	VERB
fsr-3217	306	34	financial	financial	ADJ
fsr-3217	306	35	table	table	NOUN
fsr-3217	306	36	6	6	NUM
fsr-3217	306	37	(	(	PUNCT
fsr-3217	306	38	continued	continued	ADJ
fsr-3217	306	39	)	)	PUNCT
fsr-3217	306	40	financial	financial	ADJ
fsr-3217	306	41	literacy	literacy	NOUN
fsr-3217	306	42	score	score	NOUN
fsr-3217	306	43	:	:	PUNCT
fsr-3217	306	44	0	0	NUM
fsr-3217	306	45	to	to	PART
fsr-3217	306	46	5	5	NUM
fsr-3217	306	47	iv	iv	NUM
fsr-3217	306	48	gmm	gmm	PROPN
fsr-3217	306	49	t	t	PROPN
fsr-3217	306	50	stat	stat	PROPN
fsr-3217	306	51	iv	iv	NUM
fsr-3217	306	52	probit	probit	PROPN
fsr-3217	306	53	z	z	NOUN
fsr-3217	306	54	-	-	PUNCT
fsr-3217	306	55	stat	stat	VERB
fsr-3217	306	56	full	full	ADJ
fsr-3217	306	57	-	-	PUNCT
fsr-3217	306	58	time	time	NOUN
fsr-3217	306	59	student	student	NOUN
fsr-3217	306	60	0.116	0.116	NUM
fsr-3217	306	61	*	*	PROPN
fsr-3217	306	62	1.76	1.76	NUM
fsr-3217	306	63	0.209	0.209	NUM
fsr-3217	306	64	*	*	SYM
fsr-3217	306	65	1.86	1.86	NUM
fsr-3217	306	66	disabled	disabled	ADJ
fsr-3217	306	67	�	�	NOUN
fsr-3217	306	68	0.236	0.236	NUM
fsr-3217	306	69	*	*	PUNCT
fsr-3217	306	70	*	*	PUNCT
fsr-3217	306	71	*	*	X
fsr-3217	306	72	�	�	PROPN
fsr-3217	306	73	4.24	4.24	NUM
fsr-3217	306	74	�	�	PROPN
fsr-3217	306	75	0.015	0.015	NUM
fsr-3217	306	76	�	�	PROPN
fsr-3217	306	77	0.15	0.15	NUM
fsr-3217	306	78	unemployed	unemployed	ADJ
fsr-3217	306	79	�	�	PROPN
fsr-3217	306	80	0.131	0.131	NUM
fsr-3217	306	81	*	*	PUNCT
fsr-3217	306	82	*	*	PUNCT
fsr-3217	306	83	*	*	PUNCT
fsr-3217	306	84	�	�	PROPN
fsr-3217	306	85	2.69	2.69	NUM
fsr-3217	306	86	0.025	0.025	NUM
fsr-3217	306	87	0.29	0.29	NUM
fsr-3217	306	88	retired	retired	ADJ
fsr-3217	306	89	�	�	NOUN
fsr-3217	306	90	0.107	0.107	NUM
fsr-3217	306	91	*	*	PUNCT
fsr-3217	306	92	*	*	PUNCT
fsr-3217	306	93	*	*	X
fsr-3217	306	94	�	�	PROPN
fsr-3217	306	95	2.70	2.70	NUM
fsr-3217	306	96	�	�	PROPN
fsr-3217	306	97	0.089	0.089	NUM
fsr-3217	306	98	�	�	PROPN
fsr-3217	306	99	1.06	1.06	NUM
fsr-3217	306	100	region	region	NOUN
fsr-3217	306	101	(	(	PUNCT
fsr-3217	306	102	reference	reference	NOUN
fsr-3217	306	103	category	category	NOUN
fsr-3217	306	104	:	:	PUNCT
fsr-3217	306	105	northeast	northeast	ADJ
fsr-3217	306	106	)	)	PUNCT
fsr-3217	306	107	midwest	midwest	PROPN
fsr-3217	306	108	0.060	0.060	NUM
fsr-3217	306	109	*	*	PUNCT
fsr-3217	306	110	*	*	PUNCT
fsr-3217	306	111	2.33	2.33	NUM
fsr-3217	306	112	0.057	0.057	NUM
fsr-3217	306	113	1.19	1.19	NUM
fsr-3217	306	114	south	south	NOUN
fsr-3217	306	115	0.036	0.036	NUM
fsr-3217	306	116	1.49	1.49	NUM
fsr-3217	306	117	0.089	0.089	NUM
fsr-3217	306	118	*	*	PUNCT
fsr-3217	306	119	*	*	PROPN
fsr-3217	306	120	1.98	1.98	NUM
fsr-3217	306	121	west	west	NOUN
fsr-3217	306	122	0.173	0.173	NUM
fsr-3217	306	123	*	*	PUNCT
fsr-3217	306	124	*	*	PUNCT
fsr-3217	306	125	*	*	PUNCT
fsr-3217	306	126	6.77	6.77	NUM
fsr-3217	306	127	0.150	0.150	NUM
fsr-3217	306	128	*	*	PUNCT
fsr-3217	306	129	*	*	PUNCT
fsr-3217	306	130	*	*	SYM
fsr-3217	306	131	3.06	3.06	NUM
fsr-3217	306	132	observations	observation	NOUN
fsr-3217	306	133	21,911	21,911	NUM
fsr-3217	306	134	21,911	21,911	NUM
fsr-3217	306	135	adjusted	adjust	VERB
fsr-3217	306	136	r2	r2	NOUN
fsr-3217	306	137	0.287	0.287	NUM
fsr-3217	306	138	this	this	DET
fsr-3217	306	139	table	table	NOUN
fsr-3217	306	140	reports	report	VERB
fsr-3217	306	141	instrumental	instrumental	ADJ
fsr-3217	306	142	variable	variable	NOUN
fsr-3217	306	143	(	(	PUNCT
fsr-3217	306	144	iv	iv	X
fsr-3217	306	145	)	)	PUNCT
fsr-3217	306	146	model	model	NOUN
fsr-3217	306	147	results	result	NOUN
fsr-3217	306	148	where	where	SCONJ
fsr-3217	306	149	the	the	DET
fsr-3217	306	150	first	first	ADJ
fsr-3217	306	151	stage	stage	NOUN
fsr-3217	306	152	dependent	dependent	ADJ
fsr-3217	306	153	variable	variable	NOUN
fsr-3217	306	154	,	,	PUNCT
fsr-3217	306	155	debt	debt	NOUN
fsr-3217	306	156	counseling	counseling	NOUN
fsr-3217	306	157	,	,	PUNCT
fsr-3217	306	158	savings	saving	NOUN
fsr-3217	306	159	or	or	CCONJ
fsr-3217	306	160	investments	investment	NOUN
fsr-3217	306	161	,	,	PUNCT
fsr-3217	306	162	mortgage	mortgage	NOUN
fsr-3217	306	163	or	or	CCONJ
fsr-3217	306	164	loan	loan	NOUN
fsr-3217	306	165	,	,	PUNCT
fsr-3217	306	166	insurance	insurance	NOUN
fsr-3217	306	167	,	,	PUNCT
fsr-3217	306	168	or	or	CCONJ
fsr-3217	306	169	tax	tax	NOUN
fsr-3217	306	170	planning	planning	NOUN
fsr-3217	306	171	is	be	AUX
fsr-3217	306	172	set	set	VERB
fsr-3217	306	173	equal	equal	ADJ
fsr-3217	306	174	to	to	ADP
fsr-3217	306	175	1	1	NUM
fsr-3217	306	176	if	if	SCONJ
fsr-3217	306	177	the	the	DET
fsr-3217	306	178	person	person	NOUN
fsr-3217	306	179	used	use	VERB
fsr-3217	306	180	that	that	DET
fsr-3217	306	181	type	type	NOUN
fsr-3217	306	182	of	of	ADP
fsr-3217	306	183	adviser	adviser	NOUN
fsr-3217	306	184	,	,	PUNCT
fsr-3217	306	185	or	or	CCONJ
fsr-3217	306	186	0	0	NUM
fsr-3217	306	187	otherwise	otherwise	ADV
fsr-3217	306	188	.	.	PUNCT
fsr-3217	307	1	the	the	DET
fsr-3217	307	2	independent	independent	ADJ
fsr-3217	307	3	variables	variable	NOUN
fsr-3217	307	4	used	use	VERB
fsr-3217	307	5	in	in	ADP
fsr-3217	307	6	the	the	DET
fsr-3217	307	7	first	first	ADJ
fsr-3217	307	8	stage	stage	NOUN
fsr-3217	307	9	model	model	NOUN
fsr-3217	307	10	include	include	VERB
fsr-3217	307	11	instruments	instrument	NOUN
fsr-3217	307	12	for	for	ADP
fsr-3217	307	13	each	each	DET
fsr-3217	307	14	financial	financial	ADJ
fsr-3217	307	15	adviser	adviser	NOUN
fsr-3217	307	16	type	type	NOUN
fsr-3217	307	17	and	and	CCONJ
fsr-3217	307	18	the	the	DET
fsr-3217	307	19	demographic	demographic	ADJ
fsr-3217	307	20	control	control	NOUN
fsr-3217	307	21	variables	variable	VERB
fsr-3217	307	22	financial	financial	ADJ
fsr-3217	307	23	education	education	NOUN
fsr-3217	307	24	,	,	PUNCT
fsr-3217	307	25	female	female	NOUN
fsr-3217	307	26	,	,	PUNCT
fsr-3217	307	27	age	age	NOUN
fsr-3217	307	28	group	group	NOUN
fsr-3217	307	29	,	,	PUNCT
fsr-3217	307	30	black	black	ADJ
fsr-3217	307	31	(	(	PUNCT
fsr-3217	307	32	non	non	ADJ
fsr-3217	307	33	-	-	ADJ
fsr-3217	307	34	hispanic	hispanic	ADJ
fsr-3217	307	35	)	)	PUNCT
fsr-3217	307	36	,	,	PUNCT
fsr-3217	307	37	education	education	NOUN
fsr-3217	307	38	,	,	PUNCT
fsr-3217	307	39	marital	marital	ADJ
fsr-3217	307	40	status	status	NOUN
fsr-3217	307	41	,	,	PUNCT
fsr-3217	307	42	income	income	NOUN
fsr-3217	307	43	,	,	PUNCT
fsr-3217	307	44	employment	employment	NOUN
fsr-3217	307	45	,	,	PUNCT
fsr-3217	307	46	and	and	CCONJ
fsr-3217	307	47	region	region	NOUN
fsr-3217	307	48	.	.	PUNCT
fsr-3217	308	1	panel	panel	NOUN
fsr-3217	308	2	a	a	DET
fsr-3217	308	3	report	report	NOUN
fsr-3217	308	4	the	the	DET
fsr-3217	308	5	instruments	instrument	NOUN
fsr-3217	308	6	used	use	VERB
fsr-3217	308	7	for	for	ADP
fsr-3217	308	8	each	each	DET
fsr-3217	308	9	financial	financial	ADJ
fsr-3217	308	10	adviser	adviser	NOUN
fsr-3217	308	11	type	type	NOUN
fsr-3217	308	12	and	and	CCONJ
fsr-3217	308	13	iv	iv	NUM
fsr-3217	308	14	gmm	gmm	NOUN
fsr-3217	308	15	and	and	CCONJ
fsr-3217	308	16	iv	iv	NUM
fsr-3217	308	17	probit	probit	NOUN
fsr-3217	308	18	coefficient	coefficient	NOUN
fsr-3217	308	19	estimates	estimate	NOUN
fsr-3217	308	20	and	and	CCONJ
fsr-3217	308	21	t	t	NOUN
fsr-3217	308	22	stats	stat	NOUN
fsr-3217	308	23	(	(	PUNCT
fsr-3217	308	24	z	z	NOUN
fsr-3217	308	25	-	-	PUNCT
fsr-3217	308	26	stats	stat	NOUN
fsr-3217	308	27	)	)	PUNCT
fsr-3217	308	28	for	for	ADP
fsr-3217	308	29	the	the	DET
fsr-3217	308	30	instruments	instrument	NOUN
fsr-3217	308	31	from	from	ADP
fsr-3217	308	32	the	the	DET
fsr-3217	308	33	first	first	ADJ
fsr-3217	308	34	stage	stage	NOUN
fsr-3217	308	35	model	model	NOUN
fsr-3217	308	36	results	result	NOUN
fsr-3217	308	37	,	,	PUNCT
fsr-3217	308	38	respectively	respectively	ADV
fsr-3217	308	39	.	.	PUNCT
fsr-3217	309	1	the	the	DET
fsr-3217	309	2	second	second	ADJ
fsr-3217	309	3	stage	stage	NOUN
fsr-3217	309	4	model	model	NOUN
fsr-3217	309	5	dependent	dependent	ADJ
fsr-3217	309	6	variable	variable	NOUN
fsr-3217	309	7	is	be	AUX
fsr-3217	309	8	the	the	DET
fsr-3217	309	9	financial	financial	ADJ
fsr-3217	309	10	literacy	literacy	NOUN
fsr-3217	309	11	score	score	NOUN
fsr-3217	309	12	that	that	PRON
fsr-3217	309	13	is	be	AUX
fsr-3217	309	14	set	set	VERB
fsr-3217	309	15	equal	equal	ADJ
fsr-3217	309	16	to	to	ADP
fsr-3217	309	17	the	the	DET
fsr-3217	309	18	number	number	NOUN
fsr-3217	309	19	of	of	ADP
fsr-3217	309	20	financial	financial	ADJ
fsr-3217	309	21	literacy	literacy	NOUN
fsr-3217	309	22	questions	question	NOUN
fsr-3217	309	23	answered	answer	VERB
fsr-3217	309	24	correctly	correctly	ADV
fsr-3217	309	25	,	,	PUNCT
fsr-3217	309	26	ranging	range	VERB
fsr-3217	309	27	from	from	ADP
fsr-3217	309	28	0	0	NUM
fsr-3217	309	29	to	to	ADP
fsr-3217	309	30	5	5	NUM
fsr-3217	309	31	.	.	PUNCT
fsr-3217	310	1	the	the	DET
fsr-3217	310	2	independent	independent	ADJ
fsr-3217	310	3	variables	variable	NOUN
fsr-3217	310	4	used	use	VERB
fsr-3217	310	5	in	in	ADP
fsr-3217	310	6	the	the	DET
fsr-3217	310	7	second	second	ADJ
fsr-3217	310	8	stage	stage	NOUN
fsr-3217	310	9	model	model	NOUN
fsr-3217	310	10	include	include	VERB
fsr-3217	310	11	the	the	DET
fsr-3217	310	12	predicted	predict	VERB
fsr-3217	310	13	financial	financial	ADJ
fsr-3217	310	14	adviser	adviser	NOUN
fsr-3217	310	15	user	user	NOUN
fsr-3217	310	16	variable	variable	NOUN
fsr-3217	310	17	from	from	ADP
fsr-3217	310	18	the	the	DET
fsr-3217	310	19	first	first	ADJ
fsr-3217	310	20	stage	stage	NOUN
fsr-3217	310	21	model	model	NOUN
fsr-3217	310	22	and	and	CCONJ
fsr-3217	310	23	the	the	DET
fsr-3217	310	24	same	same	ADJ
fsr-3217	310	25	demographic	demographic	ADJ
fsr-3217	310	26	control	control	NOUN
fsr-3217	310	27	variables	variable	NOUN
fsr-3217	310	28	used	use	VERB
fsr-3217	310	29	in	in	ADP
fsr-3217	310	30	the	the	DET
fsr-3217	310	31	first	first	ADJ
fsr-3217	310	32	stage	stage	NOUN
fsr-3217	310	33	model	model	NOUN
fsr-3217	310	34	.	.	PUNCT
fsr-3217	311	1	panel	panel	NOUN
fsr-3217	311	2	b	b	PROPN
fsr-3217	311	3	report	report	VERB
fsr-3217	311	4	the	the	DET
fsr-3217	311	5	iv	iv	NUM
fsr-3217	311	6	gmm	gmm	NOUN
fsr-3217	311	7	and	and	CCONJ
fsr-3217	311	8	iv	iv	NUM
fsr-3217	311	9	probit	probit	NOUN
fsr-3217	311	10	coefficient	coefficient	NOUN
fsr-3217	311	11	estimates	estimate	NOUN
fsr-3217	311	12	and	and	CCONJ
fsr-3217	311	13	t	t	NOUN
fsr-3217	311	14	stats	stat	NOUN
fsr-3217	311	15	(	(	PUNCT
fsr-3217	311	16	z	z	NOUN
fsr-3217	311	17	-	-	PUNCT
fsr-3217	311	18	stats	stat	NOUN
fsr-3217	311	19	)	)	PUNCT
fsr-3217	311	20	for	for	ADP
fsr-3217	311	21	the	the	DET
fsr-3217	311	22	second	second	ADJ
fsr-3217	311	23	stage	stage	NOUN
fsr-3217	311	24	model	model	NOUN
fsr-3217	311	25	results	result	NOUN
fsr-3217	311	26	for	for	ADP
fsr-3217	311	27	each	each	DET
fsr-3217	311	28	financial	financial	ADJ
fsr-3217	311	29	adviser	adviser	NOUN
fsr-3217	311	30	type	type	NOUN
fsr-3217	311	31	separately	separately	ADV
fsr-3217	311	32	.	.	PUNCT
fsr-3217	312	1	*	*	PUNCT
fsr-3217	313	1	*	*	PUNCT
fsr-3217	313	2	*	*	PUNCT
fsr-3217	313	3	,	,	PUNCT
fsr-3217	313	4	*	*	PUNCT
fsr-3217	313	5	*	*	PUNCT
fsr-3217	313	6	,	,	PUNCT
fsr-3217	313	7	and	and	CCONJ
fsr-3217	313	8	*	*	PUNCT
fsr-3217	313	9	denote	denote	NOUN
fsr-3217	313	10	significance	significance	NOUN
fsr-3217	313	11	at	at	ADP
fsr-3217	313	12	the	the	DET
fsr-3217	313	13	1	1	NUM
fsr-3217	313	14	%	%	NOUN
fsr-3217	313	15	,	,	PUNCT
fsr-3217	313	16	5	5	NUM
fsr-3217	313	17	%	%	NOUN
fsr-3217	313	18	,	,	PUNCT
fsr-3217	313	19	and	and	CCONJ
fsr-3217	313	20	10	10	NUM
fsr-3217	313	21	%	%	NOUN
fsr-3217	313	22	levels	level	NOUN
fsr-3217	313	23	,	,	PUNCT
fsr-3217	313	24	respectively	respectively	ADV
fsr-3217	313	25	.	.	PUNCT
fsr-3217	313	26	149b	149b	PROPN
fsr-3217	313	27	.	.	PUNCT
fsr-3217	314	1	balasubramnian	balasubramnian	PROPN
fsr-3217	314	2	,	,	PUNCT
fsr-3217	314	3	e.r	e.r	PROPN
fsr-3217	314	4	.	.	NOUN
fsr-3217	314	5	brisker	brisk	ADJ
fsr-3217	314	6	/	/	SYM
fsr-3217	314	7	financial	financial	ADJ
fsr-3217	314	8	services	service	NOUN
fsr-3217	314	9	review	review	VERB
fsr-3217	314	10	25	25	NUM
fsr-3217	314	11	(	(	PUNCT
fsr-3217	314	12	2016	2016	NUM
fsr-3217	314	13	)	)	PUNCT
fsr-3217	314	14	127–155	127–155	NUM
fsr-3217	314	15	literacy	literacy	NOUN
fsr-3217	315	1	and	and	CCONJ
fsr-3217	315	2	when	when	SCONJ
fsr-3217	315	3	controlling	control	VERB
fsr-3217	315	4	for	for	ADP
fsr-3217	315	5	potential	potential	ADJ
fsr-3217	315	6	endogeneity	endogeneity	NOUN
fsr-3217	315	7	issues	issue	NOUN
fsr-3217	315	8	between	between	ADP
fsr-3217	315	9	financial	financial	ADJ
fsr-3217	315	10	literacy	literacy	NOUN
fsr-3217	315	11	and	and	CCONJ
fsr-3217	315	12	the	the	DET
fsr-3217	315	13	choice	choice	NOUN
fsr-3217	315	14	to	to	PART
fsr-3217	315	15	use	use	VERB
fsr-3217	315	16	a	a	DET
fsr-3217	315	17	financial	financial	ADJ
fsr-3217	315	18	adviser	adviser	NOUN
fsr-3217	315	19	.	.	PUNCT
fsr-3217	316	1	4.2	4.2	NUM
fsr-3217	316	2	.	.	PUNCT
fsr-3217	317	1	propensity	propensity	NOUN
fsr-3217	317	2	score	score	NOUN
fsr-3217	317	3	matching	match	VERB
fsr-3217	317	4	in	in	ADP
fsr-3217	317	5	an	an	DET
fsr-3217	317	6	attempt	attempt	NOUN
fsr-3217	317	7	to	to	PART
fsr-3217	317	8	reduce	reduce	VERB
fsr-3217	317	9	any	any	DET
fsr-3217	317	10	confounding	confound	VERB
fsr-3217	317	11	variable	variable	ADJ
fsr-3217	317	12	biases	bias	NOUN
fsr-3217	317	13	in	in	ADP
fsr-3217	317	14	our	our	PRON
fsr-3217	317	15	results	result	NOUN
fsr-3217	317	16	we	we	PRON
fsr-3217	317	17	implement	implement	VERB
fsr-3217	317	18	a	a	DET
fsr-3217	317	19	propensity	propensity	NOUN
fsr-3217	317	20	score	score	NOUN
fsr-3217	317	21	matching	matching	NOUN
fsr-3217	317	22	model	model	NOUN
fsr-3217	317	23	to	to	PART
fsr-3217	317	24	estimate	estimate	VERB
fsr-3217	317	25	the	the	DET
fsr-3217	317	26	impact	impact	NOUN
fsr-3217	317	27	financial	financial	ADJ
fsr-3217	317	28	advisers	adviser	NOUN
fsr-3217	317	29	have	have	VERB
fsr-3217	317	30	on	on	ADP
fsr-3217	317	31	the	the	DET
fsr-3217	317	32	financial	financial	ADJ
fsr-3217	317	33	literacy	literacy	NOUN
fsr-3217	317	34	of	of	ADP
fsr-3217	317	35	their	their	PRON
fsr-3217	317	36	clients	client	NOUN
fsr-3217	317	37	.	.	PUNCT
fsr-3217	318	1	we	we	PRON
fsr-3217	318	2	first	first	ADV
fsr-3217	318	3	estimate	estimate	VERB
fsr-3217	318	4	the	the	DET
fsr-3217	318	5	same	same	ADJ
fsr-3217	318	6	logit	logit	NOUN
fsr-3217	318	7	regression	regression	NOUN
fsr-3217	318	8	used	use	VERB
fsr-3217	318	9	in	in	ADP
fsr-3217	318	10	table	table	NOUN
fsr-3217	318	11	3	3	NUM
fsr-3217	318	12	where	where	SCONJ
fsr-3217	318	13	fa	fa	PROPN
fsr-3217	318	14	user	user	NOUN
fsr-3217	318	15	,	,	PUNCT
fsr-3217	318	16	the	the	DET
fsr-3217	318	17	dependent	dependent	ADJ
fsr-3217	318	18	variable	variable	NOUN
fsr-3217	318	19	,	,	PUNCT
fsr-3217	318	20	is	be	AUX
fsr-3217	318	21	regressed	regress	VERB
fsr-3217	318	22	on	on	ADP
fsr-3217	318	23	to	to	ADP
fsr-3217	318	24	the	the	DET
fsr-3217	318	25	different	different	ADJ
fsr-3217	318	26	demographic	demographic	ADJ
fsr-3217	318	27	characteristic	characteristic	ADJ
fsr-3217	318	28	control	control	NOUN
fsr-3217	318	29	variables	variable	NOUN
fsr-3217	318	30	to	to	PART
fsr-3217	318	31	include	include	VERB
fsr-3217	318	32	financial	financial	ADJ
fsr-3217	318	33	education	education	NOUN
fsr-3217	318	34	,	,	PUNCT
fsr-3217	318	35	female	female	NOUN
fsr-3217	318	36	,	,	PUNCT
fsr-3217	318	37	age	age	NOUN
fsr-3217	318	38	group	group	NOUN
fsr-3217	318	39	,	,	PUNCT
fsr-3217	318	40	black	black	ADJ
fsr-3217	318	41	(	(	PUNCT
fsr-3217	318	42	non	non	ADJ
fsr-3217	318	43	-	-	ADJ
fsr-3217	318	44	hispanic	hispanic	ADJ
fsr-3217	318	45	)	)	PUNCT
fsr-3217	318	46	,	,	PUNCT
fsr-3217	318	47	education	education	NOUN
fsr-3217	318	48	,	,	PUNCT
fsr-3217	318	49	marital	marital	ADJ
fsr-3217	318	50	status	status	NOUN
fsr-3217	318	51	,	,	PUNCT
fsr-3217	318	52	income	income	NOUN
fsr-3217	318	53	,	,	PUNCT
fsr-3217	318	54	employment	employment	NOUN
fsr-3217	318	55	,	,	PUNCT
fsr-3217	318	56	and	and	CCONJ
fsr-3217	318	57	region	region	NOUN
fsr-3217	318	58	.	.	PUNCT
fsr-3217	319	1	using	use	VERB
fsr-3217	319	2	the	the	DET
fsr-3217	319	3	propensity	propensity	NOUN
fsr-3217	319	4	scores	score	NOUN
fsr-3217	319	5	from	from	ADP
fsr-3217	319	6	this	this	DET
fsr-3217	319	7	logit	logit	NOUN
fsr-3217	319	8	estimation	estimation	NOUN
fsr-3217	319	9	we	we	PRON
fsr-3217	319	10	perform	perform	VERB
fsr-3217	319	11	a	a	DET
fsr-3217	319	12	nearest	near	ADJ
fsr-3217	319	13	neighbor	neighbor	NOUN
fsr-3217	319	14	match	match	NOUN
fsr-3217	319	15	that	that	PRON
fsr-3217	319	16	ensures	ensure	VERB
fsr-3217	319	17	that	that	SCONJ
fsr-3217	319	18	a	a	DET
fsr-3217	319	19	financial	financial	ADJ
fsr-3217	319	20	adviser	adviser	NOUN
fsr-3217	319	21	user	user	NOUN
fsr-3217	319	22	is	be	AUX
fsr-3217	319	23	paired	pair	VERB
fsr-3217	319	24	with	with	ADP
fsr-3217	319	25	a	a	DET
fsr-3217	319	26	non	non	NOUN
fsr-3217	319	27	-	-	NOUN
fsr-3217	319	28	user	user	NOUN
fsr-3217	319	29	with	with	ADP
fsr-3217	319	30	statistically	statistically	ADV
fsr-3217	319	31	the	the	DET
fsr-3217	319	32	same	same	ADJ
fsr-3217	319	33	demographic	demographic	ADJ
fsr-3217	319	34	characteristics	characteristic	NOUN
fsr-3217	319	35	.	.	PUNCT
fsr-3217	320	1	we	we	PRON
fsr-3217	320	2	conduct	conduct	VERB
fsr-3217	320	3	the	the	DET
fsr-3217	320	4	matching	matching	NOUN
fsr-3217	320	5	with	with	ADP
fsr-3217	320	6	replacement	replacement	NOUN
fsr-3217	320	7	to	to	PART
fsr-3217	320	8	achieve	achieve	VERB
fsr-3217	320	9	the	the	DET
fsr-3217	320	10	best	good	ADJ
fsr-3217	320	11	match	match	NOUN
fsr-3217	320	12	for	for	ADP
fsr-3217	320	13	each	each	DET
fsr-3217	320	14	financial	financial	ADJ
fsr-3217	320	15	adviser	adviser	NOUN
fsr-3217	320	16	user	user	NOUN
fsr-3217	320	17	with	with	ADP
fsr-3217	320	18	a	a	DET
fsr-3217	320	19	non	non	NOUN
fsr-3217	320	20	-	-	NOUN
fsr-3217	320	21	user	user	NOUN
fsr-3217	320	22	.	.	PUNCT
fsr-3217	321	1	we	we	PRON
fsr-3217	321	2	separately	separately	ADV
fsr-3217	321	3	conduct	conduct	VERB
fsr-3217	321	4	the	the	DET
fsr-3217	321	5	matching	matching	NOUN
fsr-3217	321	6	without	without	ADP
fsr-3217	321	7	replacement	replacement	NOUN
fsr-3217	321	8	to	to	PART
fsr-3217	321	9	ensure	ensure	VERB
fsr-3217	321	10	we	we	PRON
fsr-3217	321	11	have	have	VERB
fsr-3217	321	12	a	a	DET
fsr-3217	321	13	1:1	1:1	NUM
fsr-3217	321	14	match	match	NOUN
fsr-3217	321	15	for	for	ADP
fsr-3217	321	16	each	each	DET
fsr-3217	321	17	financial	financial	ADJ
fsr-3217	321	18	adviser	adviser	NOUN
fsr-3217	321	19	user	user	NOUN
fsr-3217	321	20	with	with	ADP
fsr-3217	321	21	a	a	DET
fsr-3217	321	22	non	non	NOUN
fsr-3217	321	23	-	-	NOUN
fsr-3217	321	24	user	user	NOUN
fsr-3217	321	25	that	that	PRON
fsr-3217	321	26	maximizes	maximize	VERB
fsr-3217	321	27	our	our	PRON
fsr-3217	321	28	matched	match	VERB
fsr-3217	321	29	sample	sample	NOUN
fsr-3217	321	30	size	size	NOUN
fsr-3217	321	31	.	.	PUNCT
fsr-3217	322	1	we	we	PRON
fsr-3217	322	2	then	then	ADV
fsr-3217	322	3	use	use	VERB
fsr-3217	322	4	these	these	DET
fsr-3217	322	5	matched	match	VERB
fsr-3217	322	6	samples	sample	NOUN
fsr-3217	322	7	to	to	PART
fsr-3217	322	8	estimate	estimate	VERB
fsr-3217	322	9	an	an	DET
fsr-3217	322	10	ols	ol	NOUN
fsr-3217	322	11	univariate	univariate	ADJ
fsr-3217	322	12	regression	regression	NOUN
fsr-3217	322	13	model	model	NOUN
fsr-3217	322	14	where	where	SCONJ
fsr-3217	322	15	the	the	DET
fsr-3217	322	16	dependent	dependent	ADJ
fsr-3217	322	17	variable	variable	NOUN
fsr-3217	322	18	is	be	AUX
fsr-3217	322	19	financial	financial	ADJ
fsr-3217	322	20	literacy	literacy	NOUN
fsr-3217	322	21	score	score	NOUN
fsr-3217	322	22	and	and	CCONJ
fsr-3217	322	23	the	the	DET
fsr-3217	322	24	independent	independent	ADJ
fsr-3217	322	25	variable	variable	NOUN
fsr-3217	322	26	is	be	AUX
fsr-3217	322	27	fa	fa	NOUN
fsr-3217	322	28	user	user	NOUN
fsr-3217	322	29	.	.	PUNCT
fsr-3217	323	1	we	we	PRON
fsr-3217	323	2	repeat	repeat	VERB
fsr-3217	323	3	this	this	DET
fsr-3217	323	4	process	process	NOUN
fsr-3217	323	5	using	use	VERB
fsr-3217	323	6	the	the	DET
fsr-3217	323	7	logit	logit	NOUN
fsr-3217	323	8	model	model	NOUN
fsr-3217	323	9	from	from	ADP
fsr-3217	323	10	table	table	NOUN
fsr-3217	323	11	4	4	NUM
fsr-3217	323	12	for	for	ADP
fsr-3217	323	13	each	each	PRON
fsr-3217	323	14	of	of	ADP
fsr-3217	323	15	the	the	DET
fsr-3217	323	16	financial	financial	ADJ
fsr-3217	323	17	adviser	adviser	NOUN
fsr-3217	323	18	types	type	NOUN
fsr-3217	323	19	separately	separately	ADV
fsr-3217	323	20	.	.	PUNCT
fsr-3217	324	1	table	table	NOUN
fsr-3217	324	2	7	7	NUM
fsr-3217	324	3	,	,	PUNCT
fsr-3217	324	4	panel	panel	NOUN
fsr-3217	324	5	a	a	PRON
fsr-3217	324	6	,	,	PUNCT
fsr-3217	324	7	report	report	NOUN
fsr-3217	324	8	results	result	NOUN
fsr-3217	324	9	using	use	VERB
fsr-3217	324	10	propensity	propensity	NOUN
fsr-3217	324	11	score	score	NOUN
fsr-3217	324	12	matching	match	VERB
fsr-3217	324	13	with	with	ADP
fsr-3217	324	14	replacement	replacement	NOUN
fsr-3217	324	15	.	.	PUNCT
fsr-3217	325	1	consistent	consistent	ADJ
fsr-3217	325	2	with	with	ADP
fsr-3217	325	3	earlier	early	ADJ
fsr-3217	325	4	results	result	NOUN
fsr-3217	325	5	,	,	PUNCT
fsr-3217	325	6	we	we	PRON
fsr-3217	325	7	find	find	VERB
fsr-3217	325	8	there	there	PRON
fsr-3217	325	9	is	be	VERB
fsr-3217	325	10	a	a	DET
fsr-3217	325	11	positive	positive	ADJ
fsr-3217	325	12	and	and	CCONJ
fsr-3217	325	13	statistically	statistically	ADV
fsr-3217	325	14	significant	significant	ADJ
fsr-3217	325	15	relationship	relationship	NOUN
fsr-3217	325	16	between	between	ADP
fsr-3217	325	17	fa	fa	PROPN
fsr-3217	325	18	user	user	NOUN
fsr-3217	325	19	and	and	CCONJ
fsr-3217	325	20	financial	financial	ADJ
fsr-3217	325	21	literacy	literacy	NOUN
fsr-3217	325	22	scores	score	NOUN
fsr-3217	325	23	.	.	PUNCT
fsr-3217	326	1	when	when	SCONJ
fsr-3217	326	2	considering	consider	VERB
fsr-3217	326	3	the	the	DET
fsr-3217	326	4	financial	financial	ADJ
fsr-3217	326	5	adviser	adviser	NOUN
fsr-3217	326	6	types	type	NOUN
fsr-3217	326	7	separately	separately	ADV
fsr-3217	326	8	,	,	PUNCT
fsr-3217	326	9	we	we	PRON
fsr-3217	326	10	find	find	VERB
fsr-3217	326	11	that	that	SCONJ
fsr-3217	326	12	debt	debt	NOUN
fsr-3217	326	13	counseling	counseling	NOUN
fsr-3217	326	14	is	be	AUX
fsr-3217	326	15	negatively	negatively	ADV
fsr-3217	326	16	related	relate	VERB
fsr-3217	326	17	to	to	ADP
fsr-3217	326	18	financial	financial	ADJ
fsr-3217	326	19	literacy	literacy	NOUN
fsr-3217	326	20	score	score	NOUN
fsr-3217	326	21	,	,	PUNCT
fsr-3217	326	22	while	while	SCONJ
fsr-3217	326	23	savings	saving	NOUN
fsr-3217	326	24	or	or	CCONJ
fsr-3217	326	25	investments	investment	NOUN
fsr-3217	326	26	,	,	PUNCT
fsr-3217	326	27	mortgage	mortgage	NOUN
fsr-3217	326	28	or	or	CCONJ
fsr-3217	326	29	loan	loan	NOUN
fsr-3217	326	30	,	,	PUNCT
fsr-3217	326	31	insurance	insurance	NOUN
fsr-3217	326	32	,	,	PUNCT
fsr-3217	326	33	and	and	CCONJ
fsr-3217	326	34	tax	tax	NOUN
fsr-3217	326	35	planning	planning	NOUN
fsr-3217	326	36	are	be	AUX
fsr-3217	326	37	all	all	PRON
fsr-3217	326	38	positively	positively	ADV
fsr-3217	326	39	related	relate	VERB
fsr-3217	326	40	to	to	ADP
fsr-3217	326	41	financial	financial	ADJ
fsr-3217	326	42	literacy	literacy	NOUN
fsr-3217	326	43	scores	score	NOUN
fsr-3217	326	44	.	.	PUNCT
fsr-3217	327	1	table	table	NOUN
fsr-3217	327	2	7	7	NUM
fsr-3217	327	3	,	,	PUNCT
fsr-3217	327	4	panel	panel	NOUN
fsr-3217	327	5	b	b	NOUN
fsr-3217	327	6	,	,	PUNCT
fsr-3217	327	7	report	report	NOUN
fsr-3217	327	8	results	result	NOUN
fsr-3217	327	9	using	use	VERB
fsr-3217	327	10	propensity	propensity	NOUN
fsr-3217	327	11	score	score	NOUN
fsr-3217	327	12	matching	match	VERB
fsr-3217	327	13	without	without	ADP
fsr-3217	327	14	replacement	replacement	NOUN
fsr-3217	327	15	.	.	PUNCT
fsr-3217	328	1	we	we	PRON
fsr-3217	328	2	again	again	ADV
fsr-3217	328	3	find	find	VERB
fsr-3217	328	4	that	that	SCONJ
fsr-3217	328	5	there	there	PRON
fsr-3217	328	6	is	be	VERB
fsr-3217	328	7	a	a	DET
fsr-3217	328	8	positive	positive	ADJ
fsr-3217	328	9	and	and	CCONJ
fsr-3217	328	10	statistically	statistically	ADV
fsr-3217	328	11	significant	significant	ADJ
fsr-3217	328	12	relationship	relationship	NOUN
fsr-3217	328	13	between	between	ADP
fsr-3217	328	14	fa	fa	PROPN
fsr-3217	328	15	user	user	NOUN
fsr-3217	328	16	and	and	CCONJ
fsr-3217	328	17	financial	financial	ADJ
fsr-3217	328	18	literacy	literacy	NOUN
fsr-3217	328	19	scores	score	NOUN
fsr-3217	328	20	.	.	PUNCT
fsr-3217	329	1	when	when	SCONJ
fsr-3217	329	2	considering	consider	VERB
fsr-3217	329	3	the	the	DET
fsr-3217	329	4	financial	financial	ADJ
fsr-3217	329	5	adviser	adviser	NOUN
fsr-3217	329	6	types	type	NOUN
fsr-3217	329	7	separately	separately	ADV
fsr-3217	329	8	,	,	PUNCT
fsr-3217	329	9	we	we	PRON
fsr-3217	329	10	continue	continue	VERB
fsr-3217	329	11	to	to	PART
fsr-3217	329	12	find	find	VERB
fsr-3217	329	13	that	that	SCONJ
fsr-3217	329	14	debt	debt	NOUN
fsr-3217	329	15	counseling	counseling	NOUN
fsr-3217	329	16	is	be	AUX
fsr-3217	329	17	negatively	negatively	ADV
fsr-3217	329	18	related	relate	VERB
fsr-3217	329	19	to	to	ADP
fsr-3217	329	20	financial	financial	ADJ
fsr-3217	329	21	literacy	literacy	NOUN
fsr-3217	329	22	score	score	NOUN
fsr-3217	329	23	,	,	PUNCT
fsr-3217	329	24	while	while	SCONJ
fsr-3217	329	25	savings	saving	NOUN
fsr-3217	329	26	or	or	CCONJ
fsr-3217	329	27	investments	investment	NOUN
fsr-3217	329	28	,	,	PUNCT
fsr-3217	329	29	mortgage	mortgage	NOUN
fsr-3217	329	30	or	or	CCONJ
fsr-3217	329	31	loan	loan	NOUN
fsr-3217	329	32	,	,	PUNCT
fsr-3217	329	33	and	and	CCONJ
fsr-3217	329	34	insurance	insurance	NOUN
fsr-3217	329	35	are	be	AUX
fsr-3217	329	36	all	all	PRON
fsr-3217	329	37	positively	positively	ADV
fsr-3217	329	38	related	relate	VERB
fsr-3217	329	39	to	to	ADP
fsr-3217	329	40	financial	financial	ADJ
fsr-3217	329	41	literacy	literacy	NOUN
fsr-3217	329	42	scores	score	NOUN
fsr-3217	329	43	.	.	PUNCT
fsr-3217	330	1	however	however	ADV
fsr-3217	330	2	,	,	PUNCT
fsr-3217	330	3	we	we	PRON
fsr-3217	330	4	find	find	VERB
fsr-3217	330	5	that	that	SCONJ
fsr-3217	330	6	insurance	insurance	NOUN
fsr-3217	330	7	is	be	AUX
fsr-3217	330	8	not	not	PART
fsr-3217	330	9	significantly	significantly	ADV
fsr-3217	330	10	related	relate	VERB
fsr-3217	330	11	to	to	ADP
fsr-3217	330	12	financial	financial	ADJ
fsr-3217	330	13	literacy	literacy	NOUN
fsr-3217	330	14	when	when	SCONJ
fsr-3217	330	15	using	use	VERB
fsr-3217	330	16	matching	matching	NOUN
fsr-3217	330	17	without	without	ADP
fsr-3217	330	18	replacement	replacement	NOUN
fsr-3217	330	19	.	.	PUNCT
fsr-3217	331	1	these	these	DET
fsr-3217	331	2	results	result	NOUN
fsr-3217	331	3	continue	continue	VERB
fsr-3217	331	4	to	to	PART
fsr-3217	331	5	indicate	indicate	VERB
fsr-3217	331	6	that	that	SCONJ
fsr-3217	331	7	savings	saving	NOUN
fsr-3217	331	8	or	or	CCONJ
fsr-3217	331	9	investments	investment	NOUN
fsr-3217	331	10	advisers	adviser	NOUN
fsr-3217	331	11	have	have	VERB
fsr-3217	331	12	the	the	DET
fsr-3217	331	13	strongest	strong	ADJ
fsr-3217	331	14	influence	influence	NOUN
fsr-3217	331	15	on	on	ADP
fsr-3217	331	16	the	the	DET
fsr-3217	331	17	financial	financial	ADJ
fsr-3217	331	18	literacy	literacy	NOUN
fsr-3217	331	19	of	of	ADP
fsr-3217	331	20	their	their	PRON
fsr-3217	331	21	clients	client	NOUN
fsr-3217	331	22	,	,	PUNCT
fsr-3217	331	23	followed	follow	VERB
fsr-3217	331	24	by	by	ADP
fsr-3217	331	25	mortgage	mortgage	NOUN
fsr-3217	331	26	or	or	CCONJ
fsr-3217	331	27	loan	loan	NOUN
fsr-3217	331	28	and	and	CCONJ
fsr-3217	331	29	insurance	insurance	NOUN
fsr-3217	331	30	advisers	adviser	NOUN
fsr-3217	331	31	.	.	PUNCT
fsr-3217	332	1	debt	debt	NOUN
fsr-3217	332	2	counselors	counselor	NOUN
fsr-3217	332	3	is	be	AUX
fsr-3217	332	4	consistently	consistently	ADV
fsr-3217	332	5	shown	show	VERB
fsr-3217	332	6	to	to	PART
fsr-3217	332	7	be	be	AUX
fsr-3217	332	8	negatively	negatively	ADV
fsr-3217	332	9	related	relate	VERB
fsr-3217	332	10	to	to	ADP
fsr-3217	332	11	financial	financial	ADJ
fsr-3217	332	12	literacy	literacy	NOUN
fsr-3217	332	13	,	,	PUNCT
fsr-3217	332	14	and	and	CCONJ
fsr-3217	332	15	tax	tax	NOUN
fsr-3217	332	16	planning	planning	NOUN
fsr-3217	332	17	advisers	adviser	NOUN
fsr-3217	332	18	are	be	AUX
fsr-3217	332	19	only	only	ADV
fsr-3217	332	20	marginally	marginally	ADV
fsr-3217	332	21	,	,	PUNCT
fsr-3217	332	22	or	or	CCONJ
fsr-3217	332	23	not	not	PART
fsr-3217	332	24	at	at	ADV
fsr-3217	332	25	all	all	ADV
fsr-3217	332	26	,	,	PUNCT
fsr-3217	332	27	related	relate	VERB
fsr-3217	332	28	to	to	ADP
fsr-3217	332	29	the	the	DET
fsr-3217	332	30	financial	financial	ADJ
fsr-3217	332	31	literacy	literacy	NOUN
fsr-3217	332	32	of	of	ADP
fsr-3217	332	33	their	their	PRON
fsr-3217	332	34	clients	client	NOUN
fsr-3217	332	35	.	.	PUNCT
fsr-3217	333	1	5	5	X
fsr-3217	333	2	.	.	X
fsr-3217	333	3	conclusions	conclusion	NOUN
fsr-3217	333	4	using	use	VERB
fsr-3217	333	5	the	the	DET
fsr-3217	333	6	2012	2012	NUM
fsr-3217	333	7	finra	finra	PROPN
fsr-3217	333	8	investor	investor	PROPN
fsr-3217	333	9	education	education	PROPN
fsr-3217	333	10	foundation	foundation	PROPN
fsr-3217	333	11	national	national	PROPN
fsr-3217	333	12	financial	financial	ADJ
fsr-3217	333	13	capability	capability	NOUN
fsr-3217	333	14	study	study	NOUN
fsr-3217	333	15	,	,	PUNCT
fsr-3217	333	16	we	we	PRON
fsr-3217	333	17	determine	determine	VERB
fsr-3217	333	18	the	the	DET
fsr-3217	333	19	demographic	demographic	ADJ
fsr-3217	333	20	characteristics	characteristic	NOUN
fsr-3217	333	21	associated	associate	VERB
fsr-3217	333	22	with	with	ADP
fsr-3217	333	23	people	people	NOUN
fsr-3217	333	24	that	that	PRON
fsr-3217	333	25	use	use	VERB
fsr-3217	333	26	finan150	finan150	PROPN
fsr-3217	333	27	b.	b.	PROPN
fsr-3217	333	28	balasubramnian	balasubramnian	PROPN
fsr-3217	333	29	,	,	PUNCT
fsr-3217	333	30	e.r	e.r	PROPN
fsr-3217	333	31	.	.	NOUN
fsr-3217	333	32	brisker	brisk	ADJ
fsr-3217	333	33	/	/	SYM
fsr-3217	333	34	financial	financial	ADJ
fsr-3217	333	35	services	service	NOUN
fsr-3217	333	36	review	review	VERB
fsr-3217	333	37	25	25	NUM
fsr-3217	333	38	(	(	PUNCT
fsr-3217	333	39	2016	2016	NUM
fsr-3217	333	40	)	)	PUNCT
fsr-3217	333	41	127–155	127–155	NUM
fsr-3217	333	42	cial	cial	ADJ
fsr-3217	333	43	advisers	adviser	NOUN
fsr-3217	333	44	,	,	PUNCT
fsr-3217	333	45	and	and	CCONJ
fsr-3217	333	46	the	the	DET
fsr-3217	333	47	impact	impact	NOUN
fsr-3217	333	48	financial	financial	ADJ
fsr-3217	333	49	advisers	adviser	NOUN
fsr-3217	333	50	have	have	VERB
fsr-3217	333	51	on	on	ADP
fsr-3217	333	52	the	the	DET
fsr-3217	333	53	financial	financial	ADJ
fsr-3217	333	54	literacy	literacy	NOUN
fsr-3217	333	55	of	of	ADP
fsr-3217	333	56	their	their	PRON
fsr-3217	333	57	clients	client	NOUN
fsr-3217	333	58	.	.	PUNCT
fsr-3217	334	1	we	we	PRON
fsr-3217	334	2	consider	consider	VERB
fsr-3217	334	3	five	five	NUM
fsr-3217	334	4	different	different	ADJ
fsr-3217	334	5	types	type	NOUN
fsr-3217	334	6	of	of	ADP
fsr-3217	334	7	financial	financial	ADJ
fsr-3217	334	8	advisers	adviser	NOUN
fsr-3217	334	9	:	:	PUNCT
fsr-3217	334	10	debt	debt	NOUN
fsr-3217	334	11	counselors	counselor	NOUN
fsr-3217	334	12	,	,	PUNCT
fsr-3217	334	13	savings	saving	NOUN
fsr-3217	334	14	or	or	CCONJ
fsr-3217	334	15	investments	investment	NOUN
fsr-3217	334	16	,	,	PUNCT
fsr-3217	334	17	mortgage	mortgage	NOUN
fsr-3217	334	18	or	or	CCONJ
fsr-3217	334	19	loan	loan	NOUN
fsr-3217	334	20	,	,	PUNCT
fsr-3217	334	21	insurance	insurance	NOUN
fsr-3217	334	22	,	,	PUNCT
fsr-3217	334	23	and	and	CCONJ
fsr-3217	334	24	tax	tax	NOUN
fsr-3217	334	25	planning	planning	NOUN
fsr-3217	334	26	.	.	PUNCT
fsr-3217	335	1	we	we	PRON
fsr-3217	335	2	first	first	ADV
fsr-3217	335	3	find	find	VERB
fsr-3217	335	4	that	that	SCONJ
fsr-3217	335	5	there	there	PRON
fsr-3217	335	6	has	have	AUX
fsr-3217	335	7	been	be	AUX
fsr-3217	335	8	a	a	DET
fsr-3217	335	9	significant	significant	ADJ
fsr-3217	335	10	increase	increase	NOUN
fsr-3217	335	11	over	over	ADP
fsr-3217	335	12	the	the	DET
fsr-3217	335	13	last	last	ADJ
fsr-3217	335	14	decade	decade	NOUN
fsr-3217	335	15	in	in	ADP
fsr-3217	335	16	the	the	DET
fsr-3217	335	17	number	number	NOUN
fsr-3217	335	18	of	of	ADP
fsr-3217	335	19	individuals	individual	NOUN
fsr-3217	335	20	who	who	PRON
fsr-3217	335	21	use	use	VERB
fsr-3217	335	22	financial	financial	ADJ
fsr-3217	335	23	advisers	adviser	NOUN
fsr-3217	335	24	.	.	PUNCT
fsr-3217	336	1	elmerick	elmerick	PROPN
fsr-3217	336	2	,	,	PUNCT
fsr-3217	336	3	montalto	montalto	PROPN
fsr-3217	336	4	,	,	PUNCT
fsr-3217	336	5	and	and	CCONJ
fsr-3217	336	6	fox	fox	PROPN
fsr-3217	336	7	(	(	PUNCT
fsr-3217	336	8	2002	2002	NUM
fsr-3217	336	9	)	)	PUNCT
fsr-3217	336	10	,	,	PUNCT
fsr-3217	336	11	using	use	VERB
fsr-3217	336	12	the	the	DET
fsr-3217	336	13	1998	1998	NUM
fsr-3217	336	14	survey	survey	NOUN
fsr-3217	336	15	of	of	ADP
fsr-3217	336	16	consumer	consumer	NOUN
fsr-3217	336	17	finances	finance	NOUN
fsr-3217	336	18	that	that	PRON
fsr-3217	336	19	is	be	AUX
fsr-3217	336	20	a	a	DET
fsr-3217	336	21	similar	similar	ADJ
fsr-3217	336	22	survey	survey	NOUN
fsr-3217	336	23	to	to	ADP
fsr-3217	336	24	the	the	DET
fsr-3217	336	25	2012	2012	NUM
fsr-3217	336	26	finra	finra	NOUN
fsr-3217	336	27	survey	survey	NOUN
fsr-3217	336	28	we	we	PRON
fsr-3217	336	29	are	be	AUX
fsr-3217	336	30	using	use	VERB
fsr-3217	336	31	,	,	PUNCT
fsr-3217	336	32	reported	report	VERB
fsr-3217	336	33	that	that	SCONJ
fsr-3217	336	34	only	only	ADV
fsr-3217	336	35	21	21	NUM
fsr-3217	336	36	%	%	NOUN
fsr-3217	336	37	of	of	ADP
fsr-3217	336	38	those	those	PRON
fsr-3217	336	39	surveyed	survey	VERB
fsr-3217	336	40	had	have	AUX
fsr-3217	336	41	used	use	VERB
fsr-3217	336	42	a	a	DET
fsr-3217	336	43	financial	financial	ADJ
fsr-3217	336	44	adviser	adviser	NOUN
fsr-3217	336	45	.	.	PUNCT
fsr-3217	337	1	using	use	VERB
fsr-3217	337	2	the	the	DET
fsr-3217	337	3	more	more	ADV
fsr-3217	337	4	recent	recent	ADJ
fsr-3217	337	5	2012	2012	NUM
fsr-3217	337	6	finra	finra	NOUN
fsr-3217	337	7	survey	survey	NOUN
fsr-3217	337	8	,	,	PUNCT
fsr-3217	337	9	we	we	PRON
fsr-3217	337	10	find	find	VERB
fsr-3217	337	11	that	that	SCONJ
fsr-3217	337	12	over	over	ADP
fsr-3217	337	13	53	53	NUM
fsr-3217	337	14	%	%	NOUN
fsr-3217	337	15	of	of	ADP
fsr-3217	337	16	those	those	PRON
fsr-3217	337	17	surveyed	survey	VERB
fsr-3217	337	18	reported	report	VERB
fsr-3217	337	19	using	use	VERB
fsr-3217	337	20	a	a	DET
fsr-3217	337	21	financial	financial	ADJ
fsr-3217	337	22	adviser	adviser	NOUN
fsr-3217	337	23	indicating	indicate	VERB
fsr-3217	337	24	the	the	DET
fsr-3217	337	25	usage	usage	NOUN
fsr-3217	337	26	of	of	ADP
fsr-3217	337	27	financial	financial	ADJ
fsr-3217	337	28	advisers	adviser	NOUN
fsr-3217	337	29	has	have	AUX
fsr-3217	337	30	more	more	ADV
fsr-3217	337	31	than	than	ADP
fsr-3217	337	32	doubled	double	VERB
fsr-3217	337	33	since	since	SCONJ
fsr-3217	337	34	the	the	DET
fsr-3217	337	35	1998	1998	NUM
fsr-3217	337	36	survey	survey	NOUN
fsr-3217	337	37	was	be	AUX
fsr-3217	337	38	conducted	conduct	VERB
fsr-3217	337	39	.	.	PUNCT
fsr-3217	338	1	when	when	SCONJ
fsr-3217	338	2	considering	consider	VERB
fsr-3217	338	3	the	the	DET
fsr-3217	338	4	demographic	demographic	ADJ
fsr-3217	338	5	characteristics	characteristic	NOUN
fsr-3217	338	6	associated	associate	VERB
fsr-3217	338	7	with	with	ADP
fsr-3217	338	8	those	those	PRON
fsr-3217	338	9	using	use	VERB
fsr-3217	338	10	a	a	DET
fsr-3217	338	11	financial	financial	ADJ
fsr-3217	338	12	adviser	adviser	NOUN
fsr-3217	338	13	,	,	PUNCT
fsr-3217	338	14	we	we	PRON
fsr-3217	338	15	find	find	VERB
fsr-3217	338	16	that	that	SCONJ
fsr-3217	338	17	females	female	NOUN
fsr-3217	338	18	are	be	AUX
fsr-3217	338	19	13	13	NUM
fsr-3217	338	20	%	%	NOUN
fsr-3217	338	21	more	more	ADV
fsr-3217	338	22	likely	likely	ADJ
fsr-3217	338	23	,	,	PUNCT
fsr-3217	338	24	and	and	CCONJ
fsr-3217	338	25	those	those	DET
fsr-3217	338	26	that	that	PRON
fsr-3217	338	27	have	have	AUX
fsr-3217	338	28	received	receive	VERB
fsr-3217	338	29	a	a	DET
fsr-3217	338	30	financial	financial	ADJ
fsr-3217	338	31	table	table	NOUN
fsr-3217	338	32	7	7	NUM
fsr-3217	338	33	propensity	propensity	NOUN
fsr-3217	338	34	score	score	NOUN
fsr-3217	338	35	matching	match	VERB
fsr-3217	338	36	ols	ol	NOUN
fsr-3217	338	37	univariate	univariate	ADJ
fsr-3217	338	38	regression	regression	NOUN
fsr-3217	338	39	:	:	PUNCT
fsr-3217	338	40	financial	financial	ADJ
fsr-3217	338	41	literacy	literacy	NOUN
fsr-3217	338	42	score	score	NOUN
fsr-3217	338	43	(	(	PUNCT
fsr-3217	338	44	0	0	NUM
fsr-3217	338	45	to	to	PART
fsr-3217	338	46	5	5	NUM
fsr-3217	338	47	)	)	PUNCT
fsr-3217	338	48	�	�	PROPN
fsr-3217	338	49	adviser	adviser	NOUN
fsr-3217	338	50	user	user	NOUN
fsr-3217	338	51	dummy	dummy	PROPN
fsr-3217	338	52	fa	fa	PROPN
fsr-3217	338	53	user	user	NOUN
fsr-3217	338	54	debt	debt	NOUN
fsr-3217	338	55	counseling	counsel	VERB
fsr-3217	338	56	savings	saving	NOUN
fsr-3217	338	57	or	or	CCONJ
fsr-3217	338	58	investments	investment	NOUN
fsr-3217	338	59	mortgage	mortgage	NOUN
fsr-3217	338	60	or	or	CCONJ
fsr-3217	338	61	loan	loan	NOUN
fsr-3217	338	62	insurance	insurance	NOUN
fsr-3217	338	63	tax	tax	NOUN
fsr-3217	338	64	planning	planning	NOUN
fsr-3217	338	65	panel	panel	NOUN
fsr-3217	338	66	a	a	DET
fsr-3217	338	67	:	:	PUNCT
fsr-3217	338	68	propensity	propensity	NOUN
fsr-3217	338	69	score	score	NOUN
fsr-3217	338	70	matching	match	VERB
fsr-3217	338	71	with	with	ADP
fsr-3217	338	72	replacement	replacement	NOUN
fsr-3217	338	73	number	number	NOUN
fsr-3217	338	74	of	of	ADP
fsr-3217	338	75	users	user	NOUN
fsr-3217	338	76	11,872	11,872	NUM
fsr-3217	338	77	1,949	1,949	NUM
fsr-3217	338	78	7,025	7,025	NUM
fsr-3217	338	79	4,914	4,914	NUM
fsr-3217	338	80	7,312	7,312	NUM
fsr-3217	338	81	4,422	4,422	NUM
fsr-3217	338	82	matches	match	VERB
fsr-3217	338	83	4,494	4,494	NUM
fsr-3217	338	84	1,660	1,660	NUM
fsr-3217	338	85	3,692	3,692	NUM
fsr-3217	338	86	3,151	3,151	NUM
fsr-3217	338	87	4,142	4,142	NUM
fsr-3217	338	88	2,872	2,872	NUM
fsr-3217	338	89	intercept	intercept	NOUN
fsr-3217	338	90	2.95	2.95	NUM
fsr-3217	338	91	*	*	NOUN
fsr-3217	338	92	*	*	PUNCT
fsr-3217	338	93	*	*	PUNCT
fsr-3217	338	94	3.06	3.06	NUM
fsr-3217	338	95	*	*	PUNCT
fsr-3217	338	96	*	*	PUNCT
fsr-3217	338	97	*	*	PUNCT
fsr-3217	338	98	3.20	3.20	NUM
fsr-3217	338	99	*	*	PUNCT
fsr-3217	338	100	*	*	PUNCT
fsr-3217	338	101	*	*	PUNCT
fsr-3217	339	1	3.21	3.21	NUM
fsr-3217	339	2	*	*	PUNCT
fsr-3217	339	3	*	*	PUNCT
fsr-3217	339	4	*	*	PUNCT
fsr-3217	339	5	3.14	3.14	NUM
fsr-3217	339	6	*	*	PUNCT
fsr-3217	339	7	*	*	PUNCT
fsr-3217	339	8	*	*	PUNCT
fsr-3217	339	9	3.31	3.31	NUM
fsr-3217	339	10	*	*	PUNCT
fsr-3217	339	11	*	*	PUNCT
fsr-3217	339	12	*	*	PUNCT
fsr-3217	339	13	(	(	PUNCT
fsr-3217	339	14	145.09	145.09	NUM
fsr-3217	339	15	)	)	PUNCT
fsr-3217	339	16	(	(	PUNCT
fsr-3217	339	17	91.52	91.52	NUM
fsr-3217	339	18	)	)	PUNCT
fsr-3217	339	19	(	(	PUNCT
fsr-3217	339	20	146.47	146.47	NUM
fsr-3217	339	21	)	)	PUNCT
fsr-3217	339	22	(	(	PUNCT
fsr-3217	339	23	134.12	134.12	NUM
fsr-3217	339	24	)	)	PUNCT
fsr-3217	339	25	(	(	PUNCT
fsr-3217	339	26	148.88	148.88	NUM
fsr-3217	339	27	)	)	PUNCT
fsr-3217	339	28	(	(	PUNCT
fsr-3217	339	29	132.08	132.08	NUM
fsr-3217	339	30	)	)	PUNCT
fsr-3217	339	31	coefficient	coefficient	NOUN
fsr-3217	339	32	0.41	0.41	NUM
fsr-3217	339	33	*	*	PUNCT
fsr-3217	339	34	*	*	PUNCT
fsr-3217	339	35	*	*	PUNCT
fsr-3217	339	36	�	�	PROPN
fsr-3217	339	37	0.20	0.20	NUM
fsr-3217	339	38	*	*	PUNCT
fsr-3217	339	39	*	*	PUNCT
fsr-3217	339	40	*	*	PUNCT
fsr-3217	339	41	0.32	0.32	NUM
fsr-3217	339	42	*	*	PUNCT
fsr-3217	339	43	*	*	PUNCT
fsr-3217	339	44	*	*	PUNCT
fsr-3217	339	45	0.21	0.21	NUM
fsr-3217	339	46	*	*	PUNCT
fsr-3217	339	47	*	*	PUNCT
fsr-3217	339	48	*	*	PUNCT
fsr-3217	339	49	0.19	0.19	NUM
fsr-3217	339	50	*	*	PUNCT
fsr-3217	339	51	*	*	PUNCT
fsr-3217	339	52	*	*	PUNCT
fsr-3217	339	53	0.17	0.17	NUM
fsr-3217	339	54	*	*	PUNCT
fsr-3217	339	55	*	*	PUNCT
fsr-3217	339	56	*	*	PUNCT
fsr-3217	339	57	(	(	PUNCT
fsr-3217	339	58	17.14	17.14	NUM
fsr-3217	339	59	)	)	PUNCT
fsr-3217	339	60	(	(	PUNCT
fsr-3217	339	61	�	�	NOUN
fsr-3217	339	62	4.47	4.47	NUM
fsr-3217	339	63	)	)	PUNCT
fsr-3217	339	64	(	(	PUNCT
fsr-3217	339	65	11.79	11.79	NUM
fsr-3217	339	66	)	)	PUNCT
fsr-3217	339	67	(	(	PUNCT
fsr-3217	339	68	6.95	6.95	NUM
fsr-3217	339	69	)	)	PUNCT
fsr-3217	339	70	(	(	PUNCT
fsr-3217	339	71	7.27	7.27	NUM
fsr-3217	339	72	)	)	PUNCT
fsr-3217	339	73	(	(	PUNCT
fsr-3217	339	74	5.37	5.37	NUM
fsr-3217	339	75	)	)	PUNCT
fsr-3217	339	76	panel	panel	NOUN
fsr-3217	339	77	b	b	NOUN
fsr-3217	339	78	:	:	PUNCT
fsr-3217	339	79	propensity	propensity	NOUN
fsr-3217	339	80	score	score	NOUN
fsr-3217	339	81	matching	match	VERB
fsr-3217	339	82	without	without	ADP
fsr-3217	339	83	replacement	replacement	NOUN
fsr-3217	339	84	number	number	NOUN
fsr-3217	339	85	of	of	ADP
fsr-3217	339	86	users	user	NOUN
fsr-3217	339	87	10,346	10,346	NUM
fsr-3217	339	88	1,949	1,949	NUM
fsr-3217	339	89	7,025	7,025	NUM
fsr-3217	339	90	4,914	4,914	NUM
fsr-3217	339	91	7,312	7,312	NUM
fsr-3217	339	92	4,422	4,422	NUM
fsr-3217	339	93	matches	match	NOUN
fsr-3217	339	94	10,346	10,346	NUM
fsr-3217	339	95	1,949	1,949	NUM
fsr-3217	339	96	7,025	7,025	NUM
fsr-3217	339	97	4,914	4,914	NUM
fsr-3217	339	98	7,312	7,312	NUM
fsr-3217	339	99	4,422	4,422	NUM
fsr-3217	339	100	intercept	intercept	NOUN
fsr-3217	339	101	2.77	2.77	NUM
fsr-3217	339	102	*	*	NOUN
fsr-3217	339	103	*	*	PUNCT
fsr-3217	339	104	*	*	PUNCT
fsr-3217	339	105	3.06	3.06	NUM
fsr-3217	339	106	*	*	PUNCT
fsr-3217	339	107	*	*	PUNCT
fsr-3217	339	108	*	*	PUNCT
fsr-3217	340	1	3.31	3.31	NUM
fsr-3217	340	2	*	*	PUNCT
fsr-3217	340	3	*	*	PUNCT
fsr-3217	340	4	*	*	PUNCT
fsr-3217	340	5	3.29	3.29	NUM
fsr-3217	340	6	*	*	PUNCT
fsr-3217	340	7	*	*	PUNCT
fsr-3217	340	8	*	*	PUNCT
fsr-3217	340	9	3.25	3.25	NUM
fsr-3217	340	10	*	*	PUNCT
fsr-3217	340	11	*	*	PUNCT
fsr-3217	340	12	*	*	PUNCT
fsr-3217	340	13	3.45	3.45	NUM
fsr-3217	340	14	*	*	PUNCT
fsr-3217	340	15	*	*	PUNCT
fsr-3217	340	16	*	*	PUNCT
fsr-3217	340	17	(	(	PUNCT
fsr-3217	340	18	201.72	201.72	NUM
fsr-3217	340	19	)	)	PUNCT
fsr-3217	340	20	(	(	PUNCT
fsr-3217	340	21	99.02	99.02	NUM
fsr-3217	340	22	)	)	PUNCT
fsr-3217	340	23	(	(	PUNCT
fsr-3217	340	24	209.72	209.72	NUM
fsr-3217	340	25	)	)	PUNCT
fsr-3217	340	26	(	(	PUNCT
fsr-3217	340	27	171.76	171.76	NUM
fsr-3217	340	28	)	)	PUNCT
fsr-3217	340	29	(	(	PUNCT
fsr-3217	340	30	204.81	204.81	NUM
fsr-3217	340	31	)	)	PUNCT
fsr-3217	340	32	(	(	PUNCT
fsr-3217	340	33	171.76	171.76	NUM
fsr-3217	340	34	)	)	PUNCT
fsr-3217	340	35	coefficient	coefficient	NOUN
fsr-3217	340	36	0.60	0.60	NUM
fsr-3217	340	37	*	*	NOUN
fsr-3217	340	38	*	*	PUNCT
fsr-3217	340	39	*	*	PUNCT
fsr-3217	340	40	�	�	PROPN
fsr-3217	340	41	0.20	0.20	NUM
fsr-3217	340	42	*	*	PUNCT
fsr-3217	340	43	*	*	PUNCT
fsr-3217	340	44	*	*	PUNCT
fsr-3217	341	1	0.21	0.21	NUM
fsr-3217	341	2	*	*	PUNCT
fsr-3217	341	3	*	*	PUNCT
fsr-3217	341	4	*	*	PUNCT
fsr-3217	341	5	0.13	0.13	NUM
fsr-3217	341	6	*	*	PUNCT
fsr-3217	341	7	*	*	PUNCT
fsr-3217	341	8	*	*	PUNCT
fsr-3217	341	9	0.08	0.08	NUM
fsr-3217	341	10	*	*	PUNCT
fsr-3217	341	11	*	*	PUNCT
fsr-3217	341	12	*	*	NOUN
fsr-3217	341	13	0.04	0.04	NUM
fsr-3217	341	14	(	(	PUNCT
fsr-3217	341	15	30.69	30.69	NUM
fsr-3217	341	16	)	)	PUNCT
fsr-3217	341	17	(	(	PUNCT
fsr-3217	341	18	�	�	PROPN
fsr-3217	341	19	4.65	4.65	NUM
fsr-3217	341	20	)	)	PUNCT
fsr-3217	341	21	(	(	PUNCT
fsr-3217	341	22	9.28	9.28	NUM
fsr-3217	341	23	)	)	PUNCT
fsr-3217	341	24	(	(	PUNCT
fsr-3217	341	25	4.68	4.68	NUM
fsr-3217	341	26	)	)	PUNCT
fsr-3217	341	27	(	(	PUNCT
fsr-3217	341	28	3.75	3.75	NUM
fsr-3217	341	29	)	)	PUNCT
fsr-3217	341	30	(	(	PUNCT
fsr-3217	341	31	1.25	1.25	NUM
fsr-3217	341	32	)	)	PUNCT
fsr-3217	341	33	this	this	DET
fsr-3217	341	34	table	table	NOUN
fsr-3217	341	35	reports	report	VERB
fsr-3217	341	36	propensity	propensity	NOUN
fsr-3217	341	37	score	score	NOUN
fsr-3217	341	38	matching	matching	NOUN
fsr-3217	341	39	results	result	NOUN
fsr-3217	341	40	where	where	SCONJ
fsr-3217	341	41	we	we	PRON
fsr-3217	341	42	first	first	ADV
fsr-3217	341	43	estimate	estimate	VERB
fsr-3217	341	44	the	the	DET
fsr-3217	341	45	logit	logit	NOUN
fsr-3217	341	46	regression	regression	NOUN
fsr-3217	341	47	in	in	ADP
fsr-3217	341	48	table	table	NOUN
fsr-3217	341	49	3	3	NUM
fsr-3217	341	50	to	to	PART
fsr-3217	341	51	match	match	VERB
fsr-3217	341	52	each	each	DET
fsr-3217	341	53	financial	financial	ADJ
fsr-3217	341	54	adviser	adviser	NOUN
fsr-3217	341	55	user	user	NOUN
fsr-3217	341	56	with	with	ADP
fsr-3217	341	57	a	a	DET
fsr-3217	341	58	non	non	ADJ
fsr-3217	341	59	-	-	NOUN
fsr-3217	341	60	user	user	NOUN
fsr-3217	341	61	having	have	VERB
fsr-3217	341	62	statistically	statistically	ADV
fsr-3217	341	63	the	the	DET
fsr-3217	341	64	same	same	ADJ
fsr-3217	341	65	financial	financial	ADJ
fsr-3217	341	66	education	education	NOUN
fsr-3217	341	67	,	,	PUNCT
fsr-3217	341	68	gender	gender	NOUN
fsr-3217	341	69	,	,	PUNCT
fsr-3217	341	70	age	age	NOUN
fsr-3217	341	71	group	group	NOUN
fsr-3217	341	72	,	,	PUNCT
fsr-3217	341	73	ethnicity	ethnicity	NOUN
fsr-3217	341	74	,	,	PUNCT
fsr-3217	341	75	education	education	NOUN
fsr-3217	341	76	,	,	PUNCT
fsr-3217	341	77	marital	marital	ADJ
fsr-3217	341	78	status	status	NOUN
fsr-3217	341	79	,	,	PUNCT
fsr-3217	341	80	income	income	NOUN
fsr-3217	341	81	,	,	PUNCT
fsr-3217	341	82	employment	employment	NOUN
fsr-3217	341	83	,	,	PUNCT
fsr-3217	341	84	and	and	CCONJ
fsr-3217	341	85	region	region	NOUN
fsr-3217	341	86	.	.	PUNCT
fsr-3217	342	1	we	we	PRON
fsr-3217	342	2	then	then	ADV
fsr-3217	342	3	estimate	estimate	VERB
fsr-3217	342	4	a	a	DET
fsr-3217	342	5	univariate	univariate	ADJ
fsr-3217	342	6	regression	regression	NOUN
fsr-3217	342	7	using	use	VERB
fsr-3217	342	8	this	this	DET
fsr-3217	342	9	matched	match	VERB
fsr-3217	342	10	sample	sample	NOUN
fsr-3217	342	11	where	where	SCONJ
fsr-3217	342	12	the	the	DET
fsr-3217	342	13	dependent	dependent	ADJ
fsr-3217	342	14	variable	variable	NOUN
fsr-3217	342	15	is	be	AUX
fsr-3217	342	16	the	the	DET
fsr-3217	342	17	financial	financial	ADJ
fsr-3217	342	18	literacy	literacy	NOUN
fsr-3217	342	19	score	score	NOUN
fsr-3217	342	20	that	that	PRON
fsr-3217	342	21	is	be	AUX
fsr-3217	342	22	set	set	VERB
fsr-3217	342	23	equal	equal	ADJ
fsr-3217	342	24	to	to	ADP
fsr-3217	342	25	the	the	DET
fsr-3217	342	26	number	number	NOUN
fsr-3217	342	27	of	of	ADP
fsr-3217	342	28	financial	financial	ADJ
fsr-3217	342	29	literacy	literacy	NOUN
fsr-3217	342	30	questions	question	NOUN
fsr-3217	342	31	answered	answer	VERB
fsr-3217	342	32	correctly	correctly	ADV
fsr-3217	342	33	from	from	ADP
fsr-3217	342	34	0	0	NUM
fsr-3217	342	35	to	to	ADP
fsr-3217	342	36	5	5	NUM
fsr-3217	342	37	,	,	PUNCT
fsr-3217	342	38	and	and	CCONJ
fsr-3217	342	39	the	the	DET
fsr-3217	342	40	independent	independent	ADJ
fsr-3217	342	41	variable	variable	NOUN
fsr-3217	342	42	is	be	AUX
fsr-3217	342	43	the	the	DET
fsr-3217	342	44	fa	fa	PROPN
fsr-3217	342	45	user	user	NOUN
fsr-3217	342	46	dummy	dummy	NOUN
fsr-3217	342	47	that	that	PRON
fsr-3217	342	48	is	be	AUX
fsr-3217	342	49	set	set	VERB
fsr-3217	342	50	equal	equal	ADJ
fsr-3217	342	51	to	to	ADP
fsr-3217	342	52	1	1	NUM
fsr-3217	342	53	if	if	SCONJ
fsr-3217	342	54	the	the	DET
fsr-3217	342	55	person	person	NOUN
fsr-3217	342	56	used	use	VERB
fsr-3217	342	57	one	one	NUM
fsr-3217	342	58	or	or	CCONJ
fsr-3217	342	59	more	more	ADJ
fsr-3217	342	60	of	of	ADP
fsr-3217	342	61	the	the	DET
fsr-3217	342	62	five	five	NUM
fsr-3217	342	63	types	type	NOUN
fsr-3217	342	64	of	of	ADP
fsr-3217	342	65	financial	financial	ADJ
fsr-3217	342	66	advisers	adviser	NOUN
fsr-3217	342	67	,	,	PUNCT
fsr-3217	342	68	or	or	CCONJ
fsr-3217	342	69	0	0	NUM
fsr-3217	342	70	otherwise	otherwise	ADV
fsr-3217	342	71	.	.	PUNCT
fsr-3217	343	1	we	we	PRON
fsr-3217	343	2	repeat	repeat	VERB
fsr-3217	343	3	this	this	DET
fsr-3217	343	4	process	process	NOUN
fsr-3217	343	5	for	for	ADP
fsr-3217	343	6	each	each	DET
fsr-3217	343	7	financial	financial	ADJ
fsr-3217	343	8	adviser	adviser	NOUN
fsr-3217	343	9	type	type	NOUN
fsr-3217	343	10	separately	separately	ADV
fsr-3217	343	11	to	to	PART
fsr-3217	343	12	include	include	VERB
fsr-3217	343	13	debt	debt	NOUN
fsr-3217	343	14	counseling	counseling	NOUN
fsr-3217	343	15	,	,	PUNCT
fsr-3217	343	16	savings	saving	NOUN
fsr-3217	343	17	or	or	CCONJ
fsr-3217	343	18	investments	investment	NOUN
fsr-3217	343	19	,	,	PUNCT
fsr-3217	343	20	mortgage	mortgage	NOUN
fsr-3217	343	21	or	or	CCONJ
fsr-3217	343	22	loan	loan	NOUN
fsr-3217	343	23	,	,	PUNCT
fsr-3217	343	24	insurance	insurance	NOUN
fsr-3217	343	25	,	,	PUNCT
fsr-3217	343	26	and	and	CCONJ
fsr-3217	343	27	tax	tax	NOUN
fsr-3217	343	28	planning	planning	NOUN
fsr-3217	343	29	using	use	VERB
fsr-3217	343	30	the	the	DET
fsr-3217	343	31	logit	logit	NOUN
fsr-3217	343	32	regressions	regression	NOUN
fsr-3217	343	33	from	from	ADP
fsr-3217	343	34	table	table	NOUN
fsr-3217	343	35	4	4	NUM
fsr-3217	343	36	to	to	PART
fsr-3217	343	37	determine	determine	VERB
fsr-3217	343	38	the	the	DET
fsr-3217	343	39	propensity	propensity	NOUN
fsr-3217	343	40	score	score	NOUN
fsr-3217	343	41	matches	match	NOUN
fsr-3217	343	42	.	.	PUNCT
fsr-3217	344	1	the	the	DET
fsr-3217	344	2	dummy	dummy	ADJ
fsr-3217	344	3	variables	variable	VERB
fsr-3217	344	4	debt	debt	NOUN
fsr-3217	344	5	counseling	counseling	NOUN
fsr-3217	344	6	,	,	PUNCT
fsr-3217	344	7	savings	saving	NOUN
fsr-3217	344	8	or	or	CCONJ
fsr-3217	344	9	investments	investment	NOUN
fsr-3217	344	10	,	,	PUNCT
fsr-3217	344	11	mortgage	mortgage	NOUN
fsr-3217	344	12	or	or	CCONJ
fsr-3217	344	13	loan	loan	NOUN
fsr-3217	344	14	,	,	PUNCT
fsr-3217	344	15	insurance	insurance	NOUN
fsr-3217	344	16	,	,	PUNCT
fsr-3217	344	17	and	and	CCONJ
fsr-3217	344	18	tax	tax	NOUN
fsr-3217	344	19	planning	planning	NOUN
fsr-3217	344	20	are	be	AUX
fsr-3217	344	21	set	set	VERB
fsr-3217	344	22	equal	equal	ADJ
fsr-3217	344	23	to	to	ADP
fsr-3217	344	24	1	1	NUM
fsr-3217	344	25	if	if	SCONJ
fsr-3217	344	26	the	the	DET
fsr-3217	344	27	person	person	NOUN
fsr-3217	344	28	used	use	VERB
fsr-3217	344	29	that	that	DET
fsr-3217	344	30	type	type	NOUN
fsr-3217	344	31	of	of	ADP
fsr-3217	344	32	financial	financial	ADJ
fsr-3217	344	33	adviser	adviser	NOUN
fsr-3217	344	34	,	,	PUNCT
fsr-3217	344	35	or	or	CCONJ
fsr-3217	344	36	0	0	NUM
fsr-3217	344	37	otherwise	otherwise	ADV
fsr-3217	344	38	.	.	PUNCT
fsr-3217	345	1	panel	panel	NOUN
fsr-3217	345	2	a	a	DET
fsr-3217	345	3	report	report	NOUN
fsr-3217	345	4	results	result	VERB
fsr-3217	345	5	where	where	SCONJ
fsr-3217	345	6	propensity	propensity	NOUN
fsr-3217	345	7	score	score	NOUN
fsr-3217	345	8	matches	match	NOUN
fsr-3217	345	9	were	be	AUX
fsr-3217	345	10	created	create	VERB
fsr-3217	345	11	with	with	ADP
fsr-3217	345	12	replacement	replacement	NOUN
fsr-3217	345	13	in	in	ADP
fsr-3217	345	14	order	order	NOUN
fsr-3217	345	15	to	to	PART
fsr-3217	345	16	determine	determine	VERB
fsr-3217	345	17	the	the	DET
fsr-3217	345	18	best	good	ADJ
fsr-3217	345	19	match	match	NOUN
fsr-3217	345	20	for	for	ADP
fsr-3217	345	21	each	each	DET
fsr-3217	345	22	observation	observation	NOUN
fsr-3217	345	23	.	.	PUNCT
fsr-3217	346	1	panel	panel	NOUN
fsr-3217	346	2	b	b	PROPN
fsr-3217	346	3	report	report	NOUN
fsr-3217	346	4	results	result	VERB
fsr-3217	346	5	using	use	VERB
fsr-3217	346	6	matching	matching	NOUN
fsr-3217	346	7	without	without	ADP
fsr-3217	346	8	replacement	replacement	NOUN
fsr-3217	346	9	in	in	ADP
fsr-3217	346	10	order	order	NOUN
fsr-3217	346	11	to	to	PART
fsr-3217	346	12	increase	increase	VERB
fsr-3217	346	13	the	the	DET
fsr-3217	346	14	sample	sample	NOUN
fsr-3217	346	15	size	size	NOUN
fsr-3217	346	16	used	use	VERB
fsr-3217	346	17	in	in	ADP
fsr-3217	346	18	the	the	DET
fsr-3217	346	19	univariate	univariate	ADJ
fsr-3217	346	20	regressions	regression	NOUN
fsr-3217	346	21	.	.	PUNCT
fsr-3217	347	1	*	*	PUNCT
fsr-3217	348	1	*	*	PUNCT
fsr-3217	348	2	*	*	PUNCT
fsr-3217	348	3	,	,	PUNCT
fsr-3217	348	4	*	*	PUNCT
fsr-3217	348	5	*	*	PUNCT
fsr-3217	348	6	,	,	PUNCT
fsr-3217	348	7	and	and	CCONJ
fsr-3217	348	8	*	*	PUNCT
fsr-3217	348	9	denote	denote	NOUN
fsr-3217	348	10	significance	significance	NOUN
fsr-3217	348	11	at	at	ADP
fsr-3217	348	12	the	the	DET
fsr-3217	348	13	1	1	NUM
fsr-3217	348	14	%	%	NOUN
fsr-3217	348	15	,	,	PUNCT
fsr-3217	348	16	5	5	NUM
fsr-3217	348	17	%	%	NOUN
fsr-3217	348	18	,	,	PUNCT
fsr-3217	348	19	and	and	CCONJ
fsr-3217	348	20	10	10	NUM
fsr-3217	348	21	%	%	NOUN
fsr-3217	348	22	levels	level	NOUN
fsr-3217	348	23	,	,	PUNCT
fsr-3217	348	24	respectively	respectively	ADV
fsr-3217	348	25	,	,	PUNCT
fsr-3217	348	26	with	with	ADP
fsr-3217	348	27	t	t	NOUN
fsr-3217	348	28	stats	stat	NOUN
fsr-3217	348	29	reported	report	VERB
fsr-3217	348	30	in	in	ADP
fsr-3217	348	31	parenthesis	parenthesis	NOUN
fsr-3217	348	32	.	.	PUNCT
fsr-3217	349	1	151b	151b	PROPN
fsr-3217	349	2	.	.	PUNCT
fsr-3217	350	1	balasubramnian	balasubramnian	PROPN
fsr-3217	350	2	,	,	PUNCT
fsr-3217	350	3	e.r	e.r	PROPN
fsr-3217	350	4	.	.	NOUN
fsr-3217	350	5	brisker	brisk	ADJ
fsr-3217	350	6	/	/	SYM
fsr-3217	350	7	financial	financial	ADJ
fsr-3217	350	8	services	service	NOUN
fsr-3217	350	9	review	review	VERB
fsr-3217	350	10	25	25	NUM
fsr-3217	350	11	(	(	PUNCT
fsr-3217	350	12	2016	2016	NUM
fsr-3217	350	13	)	)	PUNCT
fsr-3217	350	14	127–155	127–155	NUM
fsr-3217	350	15	education	education	NOUN
fsr-3217	350	16	in	in	ADP
fsr-3217	350	17	the	the	DET
fsr-3217	350	18	past	past	ADJ
fsr-3217	350	19	nearly	nearly	ADV
fsr-3217	350	20	50	50	NUM
fsr-3217	350	21	%	%	NOUN
fsr-3217	350	22	more	more	ADV
fsr-3217	350	23	likely	likely	ADJ
fsr-3217	350	24	,	,	PUNCT
fsr-3217	350	25	to	to	PART
fsr-3217	350	26	use	use	VERB
fsr-3217	350	27	financial	financial	ADJ
fsr-3217	350	28	advisers	adviser	NOUN
fsr-3217	350	29	.	.	PUNCT
fsr-3217	351	1	those	those	PRON
fsr-3217	351	2	that	that	PRON
fsr-3217	351	3	are	be	AUX
fsr-3217	351	4	married	married	ADJ
fsr-3217	351	5	,	,	PUNCT
fsr-3217	351	6	or	or	CCONJ
fsr-3217	351	7	self	self	NOUN
fsr-3217	351	8	-	-	PUNCT
fsr-3217	351	9	employed	employ	VERB
fsr-3217	351	10	,	,	PUNCT
fsr-3217	351	11	are	be	AUX
fsr-3217	351	12	also	also	ADV
fsr-3217	351	13	more	more	ADV
fsr-3217	351	14	likely	likely	ADJ
fsr-3217	351	15	to	to	PART
fsr-3217	351	16	use	use	VERB
fsr-3217	351	17	financial	financial	ADJ
fsr-3217	351	18	advisers	adviser	NOUN
fsr-3217	351	19	.	.	PUNCT
fsr-3217	352	1	we	we	PRON
fsr-3217	352	2	find	find	VERB
fsr-3217	352	3	that	that	SCONJ
fsr-3217	352	4	there	there	PRON
fsr-3217	352	5	is	be	VERB
fsr-3217	352	6	a	a	DET
fsr-3217	352	7	monotonically	monotonically	ADV
fsr-3217	352	8	increasing	increase	VERB
fsr-3217	352	9	probability	probability	NOUN
fsr-3217	352	10	of	of	ADP
fsr-3217	352	11	using	use	VERB
fsr-3217	352	12	financial	financial	ADJ
fsr-3217	352	13	advisers	adviser	NOUN
fsr-3217	352	14	across	across	ADP
fsr-3217	352	15	higher	high	ADJ
fsr-3217	352	16	education	education	NOUN
fsr-3217	352	17	and	and	CCONJ
fsr-3217	352	18	income	income	NOUN
fsr-3217	352	19	levels	level	NOUN
fsr-3217	352	20	,	,	PUNCT
fsr-3217	352	21	but	but	CCONJ
fsr-3217	352	22	younger	young	ADJ
fsr-3217	352	23	age	age	NOUN
fsr-3217	352	24	groups	group	NOUN
fsr-3217	352	25	are	be	AUX
fsr-3217	352	26	less	less	ADV
fsr-3217	352	27	likely	likely	ADJ
fsr-3217	352	28	to	to	PART
fsr-3217	352	29	use	use	VERB
fsr-3217	352	30	financial	financial	ADJ
fsr-3217	352	31	advisers	adviser	NOUN
fsr-3217	352	32	.	.	PUNCT
fsr-3217	353	1	surprisingly	surprisingly	ADV
fsr-3217	353	2	,	,	PUNCT
fsr-3217	353	3	ethnicity	ethnicity	NOUN
fsr-3217	353	4	,	,	PUNCT
fsr-3217	353	5	after	after	ADP
fsr-3217	353	6	controlling	control	VERB
fsr-3217	353	7	for	for	ADP
fsr-3217	353	8	all	all	DET
fsr-3217	353	9	other	other	ADJ
fsr-3217	353	10	demographic	demographic	ADJ
fsr-3217	353	11	characteristics	characteristic	NOUN
fsr-3217	353	12	,	,	PUNCT
fsr-3217	353	13	does	do	AUX
fsr-3217	353	14	not	not	PART
fsr-3217	353	15	appear	appear	VERB
fsr-3217	353	16	to	to	PART
fsr-3217	353	17	significantly	significantly	ADV
fsr-3217	353	18	impact	impact	VERB
fsr-3217	353	19	the	the	DET
fsr-3217	353	20	likelihood	likelihood	NOUN
fsr-3217	353	21	of	of	ADP
fsr-3217	353	22	using	use	VERB
fsr-3217	353	23	a	a	DET
fsr-3217	353	24	financial	financial	ADJ
fsr-3217	353	25	adviser	adviser	NOUN
fsr-3217	353	26	.	.	PUNCT
fsr-3217	354	1	finally	finally	ADV
fsr-3217	354	2	,	,	PUNCT
fsr-3217	354	3	we	we	PRON
fsr-3217	354	4	find	find	VERB
fsr-3217	354	5	that	that	SCONJ
fsr-3217	354	6	respondents	respondent	NOUN
fsr-3217	354	7	from	from	ADP
fsr-3217	354	8	the	the	DET
fsr-3217	354	9	midwest	midwest	NOUN
fsr-3217	354	10	and	and	CCONJ
fsr-3217	354	11	west	west	NOUN
fsr-3217	354	12	are	be	AUX
fsr-3217	354	13	more	more	ADV
fsr-3217	354	14	likely	likely	ADJ
fsr-3217	354	15	to	to	PART
fsr-3217	354	16	use	use	VERB
fsr-3217	354	17	a	a	DET
fsr-3217	354	18	financial	financial	ADJ
fsr-3217	354	19	adviser	adviser	NOUN
fsr-3217	354	20	than	than	ADP
fsr-3217	354	21	respondents	respondent	NOUN
fsr-3217	354	22	from	from	ADP
fsr-3217	354	23	the	the	DET
fsr-3217	354	24	south	south	NOUN
fsr-3217	354	25	or	or	CCONJ
fsr-3217	354	26	northwest	northwest	NOUN
fsr-3217	354	27	.	.	PUNCT
fsr-3217	355	1	when	when	SCONJ
fsr-3217	355	2	considering	consider	VERB
fsr-3217	355	3	the	the	DET
fsr-3217	355	4	demographic	demographic	ADJ
fsr-3217	355	5	characteristics	characteristic	NOUN
fsr-3217	355	6	of	of	ADP
fsr-3217	355	7	those	those	PRON
fsr-3217	355	8	that	that	PRON
fsr-3217	355	9	used	use	VERB
fsr-3217	355	10	a	a	DET
fsr-3217	355	11	specific	specific	ADJ
fsr-3217	355	12	type	type	NOUN
fsr-3217	355	13	of	of	ADP
fsr-3217	355	14	financial	financial	ADJ
fsr-3217	355	15	adviser	adviser	NOUN
fsr-3217	355	16	we	we	PRON
fsr-3217	355	17	find	find	VERB
fsr-3217	355	18	that	that	SCONJ
fsr-3217	355	19	those	those	PRON
fsr-3217	355	20	receiving	receive	VERB
fsr-3217	355	21	a	a	DET
fsr-3217	355	22	financial	financial	ADJ
fsr-3217	355	23	education	education	NOUN
fsr-3217	355	24	in	in	ADP
fsr-3217	355	25	the	the	DET
fsr-3217	355	26	past	past	NOUN
fsr-3217	355	27	are	be	AUX
fsr-3217	355	28	more	more	ADV
fsr-3217	355	29	likely	likely	ADJ
fsr-3217	355	30	to	to	PART
fsr-3217	355	31	use	use	VERB
fsr-3217	355	32	all	all	PRON
fsr-3217	355	33	of	of	ADP
fsr-3217	355	34	the	the	DET
fsr-3217	355	35	five	five	NUM
fsr-3217	355	36	financial	financial	ADJ
fsr-3217	355	37	adviser	adviser	NOUN
fsr-3217	355	38	types	type	NOUN
fsr-3217	355	39	compared	compare	VERB
fsr-3217	355	40	with	with	ADP
fsr-3217	355	41	those	those	PRON
fsr-3217	355	42	that	that	PRON
fsr-3217	355	43	did	do	VERB
fsr-3217	355	44	not	not	PART
fsr-3217	355	45	.	.	PUNCT
fsr-3217	356	1	females	female	NOUN
fsr-3217	356	2	are	be	AUX
fsr-3217	356	3	more	more	ADV
fsr-3217	356	4	likely	likely	ADJ
fsr-3217	356	5	to	to	PART
fsr-3217	356	6	use	use	VERB
fsr-3217	356	7	insurance	insurance	NOUN
fsr-3217	356	8	advisers	adviser	NOUN
fsr-3217	356	9	compared	compare	VERB
fsr-3217	356	10	with	with	ADP
fsr-3217	356	11	males	male	NOUN
fsr-3217	356	12	,	,	PUNCT
fsr-3217	356	13	but	but	CCONJ
fsr-3217	356	14	not	not	PART
fsr-3217	356	15	more	more	ADV
fsr-3217	356	16	likely	likely	ADJ
fsr-3217	356	17	to	to	PART
fsr-3217	356	18	use	use	VERB
fsr-3217	356	19	any	any	PRON
fsr-3217	356	20	of	of	ADP
fsr-3217	356	21	the	the	DET
fsr-3217	356	22	other	other	ADJ
fsr-3217	356	23	four	four	NUM
fsr-3217	356	24	adviser	adviser	NOUN
fsr-3217	356	25	types	type	NOUN
fsr-3217	356	26	.	.	PUNCT
fsr-3217	357	1	black	black	ADJ
fsr-3217	357	2	(	(	PUNCT
fsr-3217	357	3	non	non	ADJ
fsr-3217	357	4	-	-	ADJ
fsr-3217	357	5	hispanic	hispanic	ADJ
fsr-3217	357	6	)	)	PUNCT
fsr-3217	357	7	people	people	NOUN
fsr-3217	357	8	are	be	AUX
fsr-3217	357	9	more	more	ADV
fsr-3217	357	10	likely	likely	ADJ
fsr-3217	357	11	to	to	PART
fsr-3217	357	12	use	use	VERB
fsr-3217	357	13	debt	debt	NOUN
fsr-3217	357	14	counselors	counselor	NOUN
fsr-3217	357	15	but	but	CCONJ
fsr-3217	357	16	less	less	ADV
fsr-3217	357	17	likely	likely	ADJ
fsr-3217	357	18	to	to	PART
fsr-3217	357	19	use	use	VERB
fsr-3217	357	20	mortgage	mortgage	NOUN
fsr-3217	357	21	or	or	CCONJ
fsr-3217	357	22	loan	loan	NOUN
fsr-3217	357	23	advisers	adviser	NOUN
fsr-3217	357	24	.	.	PUNCT
fsr-3217	358	1	we	we	PRON
fsr-3217	358	2	find	find	VERB
fsr-3217	358	3	that	that	SCONJ
fsr-3217	358	4	older	old	ADJ
fsr-3217	358	5	people	people	NOUN
fsr-3217	358	6	are	be	AUX
fsr-3217	358	7	more	more	ADV
fsr-3217	358	8	likely	likely	ADJ
fsr-3217	358	9	to	to	PART
fsr-3217	358	10	use	use	VERB
fsr-3217	358	11	savings	saving	NOUN
fsr-3217	358	12	and	and	CCONJ
fsr-3217	358	13	investments	investment	NOUN
fsr-3217	358	14	advisers	adviser	NOUN
fsr-3217	358	15	but	but	CCONJ
fsr-3217	358	16	younger	young	ADJ
fsr-3217	358	17	people	people	NOUN
fsr-3217	358	18	are	be	AUX
fsr-3217	358	19	more	more	ADV
fsr-3217	358	20	likely	likely	ADJ
fsr-3217	358	21	to	to	PART
fsr-3217	358	22	use	use	VERB
fsr-3217	358	23	debt	debt	NOUN
fsr-3217	358	24	counselors	counselor	NOUN
fsr-3217	358	25	and	and	CCONJ
fsr-3217	358	26	mortgage	mortgage	NOUN
fsr-3217	358	27	or	or	CCONJ
fsr-3217	358	28	loan	loan	NOUN
fsr-3217	358	29	advisers	adviser	NOUN
fsr-3217	358	30	.	.	PUNCT
fsr-3217	359	1	those	those	PRON
fsr-3217	359	2	having	have	VERB
fsr-3217	359	3	a	a	DET
fsr-3217	359	4	high	high	ADJ
fsr-3217	359	5	school	school	NOUN
fsr-3217	359	6	education	education	NOUN
fsr-3217	359	7	or	or	CCONJ
fsr-3217	359	8	higher	high	ADJ
fsr-3217	359	9	are	be	AUX
fsr-3217	359	10	more	more	ADV
fsr-3217	359	11	likely	likely	ADJ
fsr-3217	359	12	to	to	PART
fsr-3217	359	13	use	use	VERB
fsr-3217	359	14	savings	saving	NOUN
fsr-3217	359	15	or	or	CCONJ
fsr-3217	359	16	investment	investment	NOUN
fsr-3217	359	17	advisers	adviser	NOUN
fsr-3217	359	18	,	,	PUNCT
fsr-3217	359	19	but	but	CCONJ
fsr-3217	359	20	only	only	ADV
fsr-3217	359	21	those	those	PRON
fsr-3217	359	22	having	have	VERB
fsr-3217	359	23	some	some	DET
fsr-3217	359	24	college	college	NOUN
fsr-3217	359	25	or	or	CCONJ
fsr-3217	359	26	higher	high	ADJ
fsr-3217	359	27	are	be	AUX
fsr-3217	359	28	more	more	ADV
fsr-3217	359	29	likely	likely	ADJ
fsr-3217	359	30	to	to	PART
fsr-3217	359	31	use	use	VERB
fsr-3217	359	32	insurance	insurance	NOUN
fsr-3217	359	33	or	or	CCONJ
fsr-3217	359	34	tax	tax	NOUN
fsr-3217	359	35	planning	planning	NOUN
fsr-3217	359	36	advisers	adviser	NOUN
fsr-3217	359	37	.	.	PUNCT
fsr-3217	360	1	people	people	NOUN
fsr-3217	360	2	with	with	ADP
fsr-3217	360	3	higher	high	ADJ
fsr-3217	360	4	income	income	NOUN
fsr-3217	360	5	levels	level	NOUN
fsr-3217	360	6	are	be	AUX
fsr-3217	360	7	less	less	ADV
fsr-3217	360	8	likely	likely	ADJ
fsr-3217	360	9	to	to	PART
fsr-3217	360	10	use	use	VERB
fsr-3217	360	11	debt	debt	NOUN
fsr-3217	360	12	counselors	counselor	NOUN
fsr-3217	360	13	,	,	PUNCT
fsr-3217	360	14	but	but	CCONJ
fsr-3217	360	15	more	more	ADV
fsr-3217	360	16	likely	likely	ADJ
fsr-3217	360	17	to	to	PART
fsr-3217	360	18	use	use	VERB
fsr-3217	360	19	all	all	PRON
fsr-3217	360	20	of	of	ADP
fsr-3217	360	21	the	the	DET
fsr-3217	360	22	other	other	ADJ
fsr-3217	360	23	adviser	adviser	NOUN
fsr-3217	360	24	types	type	NOUN
fsr-3217	360	25	.	.	PUNCT
fsr-3217	361	1	those	those	PRON
fsr-3217	361	2	with	with	ADP
fsr-3217	361	3	lower	low	ADJ
fsr-3217	361	4	income	income	NOUN
fsr-3217	361	5	levels	level	NOUN
fsr-3217	361	6	are	be	AUX
fsr-3217	361	7	more	more	ADV
fsr-3217	361	8	likely	likely	ADJ
fsr-3217	361	9	to	to	PART
fsr-3217	361	10	use	use	VERB
fsr-3217	361	11	debt	debt	NOUN
fsr-3217	361	12	counselors	counselor	NOUN
fsr-3217	361	13	.	.	PUNCT
fsr-3217	362	1	married	married	ADJ
fsr-3217	362	2	couples	couple	NOUN
fsr-3217	362	3	are	be	AUX
fsr-3217	362	4	more	more	ADV
fsr-3217	362	5	likely	likely	ADJ
fsr-3217	362	6	to	to	PART
fsr-3217	362	7	use	use	VERB
fsr-3217	362	8	mortgage	mortgage	NOUN
fsr-3217	362	9	or	or	CCONJ
fsr-3217	362	10	loan	loan	NOUN
fsr-3217	362	11	,	,	PUNCT
fsr-3217	362	12	insurance	insurance	NOUN
fsr-3217	362	13	,	,	PUNCT
fsr-3217	362	14	and	and	CCONJ
fsr-3217	362	15	tax	tax	NOUN
fsr-3217	362	16	planning	planning	NOUN
fsr-3217	362	17	advisers	adviser	NOUN
fsr-3217	362	18	,	,	PUNCT
fsr-3217	362	19	and	and	CCONJ
fsr-3217	362	20	those	those	PRON
fsr-3217	362	21	that	that	PRON
fsr-3217	362	22	are	be	AUX
fsr-3217	362	23	self	self	NOUN
fsr-3217	362	24	-	-	PUNCT
fsr-3217	362	25	employed	employ	VERB
fsr-3217	362	26	are	be	AUX
fsr-3217	362	27	more	more	ADV
fsr-3217	362	28	likely	likely	ADJ
fsr-3217	362	29	to	to	PART
fsr-3217	362	30	use	use	VERB
fsr-3217	362	31	all	all	PRON
fsr-3217	362	32	of	of	ADP
fsr-3217	362	33	the	the	DET
fsr-3217	362	34	five	five	NUM
fsr-3217	362	35	financial	financial	ADJ
fsr-3217	362	36	adviser	adviser	NOUN
fsr-3217	362	37	types	type	NOUN
fsr-3217	362	38	.	.	PUNCT
fsr-3217	363	1	finally	finally	ADV
fsr-3217	363	2	,	,	PUNCT
fsr-3217	363	3	we	we	PRON
fsr-3217	363	4	find	find	VERB
fsr-3217	363	5	that	that	SCONJ
fsr-3217	363	6	those	those	PRON
fsr-3217	363	7	living	live	VERB
fsr-3217	363	8	in	in	ADP
fsr-3217	363	9	the	the	DET
fsr-3217	363	10	west	west	NOUN
fsr-3217	363	11	are	be	AUX
fsr-3217	363	12	more	more	ADV
fsr-3217	363	13	likely	likely	ADJ
fsr-3217	363	14	to	to	PART
fsr-3217	363	15	use	use	VERB
fsr-3217	363	16	mortgage	mortgage	NOUN
fsr-3217	363	17	or	or	CCONJ
fsr-3217	363	18	loan	loan	NOUN
fsr-3217	363	19	advisers	adviser	NOUN
fsr-3217	363	20	,	,	PUNCT
fsr-3217	363	21	and	and	CCONJ
fsr-3217	363	22	those	those	PRON
fsr-3217	363	23	in	in	ADP
fsr-3217	363	24	the	the	DET
fsr-3217	363	25	midwest	midwest	NOUN
fsr-3217	363	26	and	and	CCONJ
fsr-3217	363	27	west	west	NOUN
fsr-3217	363	28	are	be	AUX
fsr-3217	363	29	more	more	ADV
fsr-3217	363	30	likely	likely	ADJ
fsr-3217	363	31	to	to	PART
fsr-3217	363	32	use	use	VERB
fsr-3217	363	33	insurance	insurance	NOUN
fsr-3217	363	34	advisers	adviser	NOUN
fsr-3217	363	35	.	.	PUNCT
fsr-3217	364	1	finally	finally	ADV
fsr-3217	364	2	,	,	PUNCT
fsr-3217	364	3	after	after	ADP
fsr-3217	364	4	controlling	control	VERB
fsr-3217	364	5	for	for	ADP
fsr-3217	364	6	demographic	demographic	ADJ
fsr-3217	364	7	characteristics	characteristic	NOUN
fsr-3217	364	8	that	that	PRON
fsr-3217	364	9	are	be	AUX
fsr-3217	364	10	shown	show	VERB
fsr-3217	364	11	to	to	PART
fsr-3217	364	12	impact	impact	VERB
fsr-3217	364	13	financial	financial	ADJ
fsr-3217	364	14	literacy	literacy	NOUN
fsr-3217	364	15	,	,	PUNCT
fsr-3217	364	16	we	we	PRON
fsr-3217	364	17	continue	continue	VERB
fsr-3217	364	18	to	to	PART
fsr-3217	364	19	find	find	VERB
fsr-3217	364	20	a	a	DET
fsr-3217	364	21	positive	positive	ADJ
fsr-3217	364	22	and	and	CCONJ
fsr-3217	364	23	statistically	statistically	ADV
fsr-3217	364	24	significant	significant	ADJ
fsr-3217	364	25	relationship	relationship	NOUN
fsr-3217	364	26	between	between	ADP
fsr-3217	364	27	financial	financial	ADJ
fsr-3217	364	28	literacy	literacy	NOUN
fsr-3217	364	29	scores	score	NOUN
fsr-3217	364	30	and	and	CCONJ
fsr-3217	364	31	the	the	DET
fsr-3217	364	32	use	use	NOUN
fsr-3217	364	33	of	of	ADP
fsr-3217	364	34	financial	financial	ADJ
fsr-3217	364	35	advisers	adviser	NOUN
fsr-3217	364	36	suggesting	suggest	VERB
fsr-3217	364	37	they	they	PRON
fsr-3217	364	38	have	have	VERB
fsr-3217	364	39	a	a	DET
fsr-3217	364	40	positive	positive	ADJ
fsr-3217	364	41	influence	influence	NOUN
fsr-3217	364	42	on	on	ADP
fsr-3217	364	43	the	the	DET
fsr-3217	364	44	financial	financial	ADJ
fsr-3217	364	45	literacy	literacy	NOUN
fsr-3217	364	46	of	of	ADP
fsr-3217	364	47	their	their	PRON
fsr-3217	364	48	clients	client	NOUN
fsr-3217	364	49	.	.	PUNCT
fsr-3217	365	1	when	when	SCONJ
fsr-3217	365	2	considering	consider	VERB
fsr-3217	365	3	the	the	DET
fsr-3217	365	4	different	different	ADJ
fsr-3217	365	5	financial	financial	ADJ
fsr-3217	365	6	adviser	adviser	NOUN
fsr-3217	365	7	types	type	NOUN
fsr-3217	365	8	separately	separately	ADV
fsr-3217	365	9	we	we	PRON
fsr-3217	365	10	find	find	VERB
fsr-3217	365	11	that	that	SCONJ
fsr-3217	365	12	savings	saving	NOUN
fsr-3217	365	13	or	or	CCONJ
fsr-3217	365	14	investments	investment	NOUN
fsr-3217	365	15	,	,	PUNCT
fsr-3217	365	16	mortgage	mortgage	NOUN
fsr-3217	365	17	loan	loan	NOUN
fsr-3217	365	18	,	,	PUNCT
fsr-3217	365	19	and	and	CCONJ
fsr-3217	365	20	insurance	insurance	NOUN
fsr-3217	365	21	advisers	adviser	NOUN
fsr-3217	365	22	have	have	VERB
fsr-3217	365	23	the	the	DET
fsr-3217	365	24	highest	high	ADJ
fsr-3217	365	25	positive	positive	ADJ
fsr-3217	365	26	influence	influence	NOUN
fsr-3217	365	27	on	on	ADP
fsr-3217	365	28	the	the	DET
fsr-3217	365	29	financial	financial	ADJ
fsr-3217	365	30	literacy	literacy	NOUN
fsr-3217	365	31	of	of	ADP
fsr-3217	365	32	their	their	PRON
fsr-3217	365	33	clients	client	NOUN
fsr-3217	365	34	.	.	PUNCT
fsr-3217	366	1	however	however	ADV
fsr-3217	366	2	,	,	PUNCT
fsr-3217	366	3	debt	debt	NOUN
fsr-3217	366	4	counselors	counselor	NOUN
fsr-3217	366	5	appear	appear	VERB
fsr-3217	366	6	to	to	PART
fsr-3217	366	7	have	have	VERB
fsr-3217	366	8	a	a	DET
fsr-3217	366	9	negative	negative	ADJ
fsr-3217	366	10	influence	influence	NOUN
fsr-3217	366	11	on	on	ADP
fsr-3217	366	12	the	the	DET
fsr-3217	366	13	financial	financial	ADJ
fsr-3217	366	14	literacy	literacy	NOUN
fsr-3217	366	15	of	of	ADP
fsr-3217	366	16	their	their	PRON
fsr-3217	366	17	clients	client	NOUN
fsr-3217	366	18	which	which	PRON
fsr-3217	366	19	is	be	AUX
fsr-3217	366	20	consistent	consistent	ADJ
fsr-3217	366	21	with	with	ADP
fsr-3217	366	22	robb	robb	NOUN
fsr-3217	366	23	,	,	PUNCT
fsr-3217	366	24	babiarz	babiarz	NOUN
fsr-3217	366	25	,	,	PUNCT
fsr-3217	366	26	and	and	CCONJ
fsr-3217	366	27	woodyard	woodyard	PROPN
fsr-3217	366	28	(	(	PUNCT
fsr-3217	366	29	2012	2012	NUM
fsr-3217	366	30	)	)	PUNCT
fsr-3217	366	31	suggesting	suggest	VERB
fsr-3217	366	32	those	those	DET
fsr-3217	366	33	individuals	individual	NOUN
fsr-3217	366	34	appear	appear	VERB
fsr-3217	366	35	to	to	PART
fsr-3217	366	36	make	make	VERB
fsr-3217	366	37	financial	financial	ADJ
fsr-3217	366	38	mistakes	mistake	NOUN
fsr-3217	366	39	in	in	ADP
fsr-3217	366	40	the	the	DET
fsr-3217	366	41	first	first	ADJ
fsr-3217	366	42	place	place	NOUN
fsr-3217	366	43	and	and	CCONJ
fsr-3217	366	44	do	do	AUX
fsr-3217	366	45	not	not	PART
fsr-3217	366	46	appear	appear	VERB
fsr-3217	366	47	to	to	PART
fsr-3217	366	48	learn	learn	VERB
fsr-3217	366	49	from	from	ADP
fsr-3217	366	50	their	their	PRON
fsr-3217	366	51	experiences	experience	NOUN
fsr-3217	366	52	.	.	PUNCT
fsr-3217	367	1	we	we	PRON
fsr-3217	367	2	find	find	VERB
fsr-3217	367	3	that	that	SCONJ
fsr-3217	367	4	tax	tax	NOUN
fsr-3217	367	5	planning	planning	NOUN
fsr-3217	367	6	advisers	adviser	NOUN
fsr-3217	367	7	do	do	AUX
fsr-3217	367	8	not	not	PART
fsr-3217	367	9	significantly	significantly	ADV
fsr-3217	367	10	impact	impact	VERB
fsr-3217	367	11	the	the	DET
fsr-3217	367	12	financial	financial	ADJ
fsr-3217	367	13	literacy	literacy	NOUN
fsr-3217	367	14	scores	score	NOUN
fsr-3217	367	15	of	of	ADP
fsr-3217	367	16	their	their	PRON
fsr-3217	367	17	clients	client	NOUN
fsr-3217	367	18	.	.	PUNCT
fsr-3217	368	1	the	the	DET
fsr-3217	368	2	relationship	relationship	NOUN
fsr-3217	368	3	between	between	ADP
fsr-3217	368	4	the	the	DET
fsr-3217	368	5	choice	choice	NOUN
fsr-3217	368	6	to	to	PART
fsr-3217	368	7	use	use	VERB
fsr-3217	368	8	a	a	DET
fsr-3217	368	9	financial	financial	ADJ
fsr-3217	368	10	adviser	adviser	NOUN
fsr-3217	368	11	and	and	CCONJ
fsr-3217	368	12	financial	financial	ADJ
fsr-3217	368	13	literacy	literacy	NOUN
fsr-3217	368	14	may	may	AUX
fsr-3217	368	15	suffer	suffer	VERB
fsr-3217	368	16	from	from	ADP
fsr-3217	368	17	endogeneity	endogeneity	NOUN
fsr-3217	368	18	issues	issue	NOUN
fsr-3217	368	19	and	and	CCONJ
fsr-3217	368	20	confounding	confound	VERB
fsr-3217	368	21	variable	variable	ADJ
fsr-3217	368	22	biases	bias	NOUN
fsr-3217	368	23	in	in	ADP
fsr-3217	368	24	the	the	DET
fsr-3217	368	25	models	model	NOUN
fsr-3217	368	26	we	we	PRON
fsr-3217	368	27	use	use	VERB
fsr-3217	368	28	,	,	PUNCT
fsr-3217	368	29	so	so	SCONJ
fsr-3217	368	30	we	we	PRON
fsr-3217	368	31	attempt	attempt	VERB
fsr-3217	368	32	to	to	PART
fsr-3217	368	33	correct	correct	VERB
fsr-3217	368	34	these	these	DET
fsr-3217	368	35	biases	bias	NOUN
fsr-3217	368	36	using	use	VERB
fsr-3217	368	37	instrument	instrument	NOUN
fsr-3217	368	38	variables	variable	NOUN
fsr-3217	368	39	and	and	CCONJ
fsr-3217	368	40	propensity	propensity	NOUN
fsr-3217	368	41	score	score	NOUN
fsr-3217	368	42	matching	matching	NOUN
fsr-3217	368	43	methodology	methodology	NOUN
fsr-3217	368	44	.	.	PUNCT
fsr-3217	369	1	our	our	PRON
fsr-3217	369	2	results	result	NOUN
fsr-3217	369	3	remain	remain	VERB
fsr-3217	369	4	robust	robust	ADJ
fsr-3217	369	5	indicating	indicate	VERB
fsr-3217	369	6	that	that	SCONJ
fsr-3217	369	7	savings	saving	NOUN
fsr-3217	369	8	or	or	CCONJ
fsr-3217	369	9	investment	investment	NOUN
fsr-3217	369	10	,	,	PUNCT
fsr-3217	369	11	mortgage	mortgage	NOUN
fsr-3217	369	12	or	or	CCONJ
fsr-3217	369	13	loan	loan	NOUN
fsr-3217	369	14	,	,	PUNCT
fsr-3217	369	15	and	and	CCONJ
fsr-3217	369	16	insurance	insurance	NOUN
fsr-3217	369	17	advisers	adviser	NOUN
fsr-3217	369	18	have	have	VERB
fsr-3217	369	19	a	a	DET
fsr-3217	369	20	positive	positive	ADJ
fsr-3217	369	21	influence	influence	NOUN
fsr-3217	369	22	on	on	ADP
fsr-3217	369	23	the	the	DET
fsr-3217	369	24	financial	financial	ADJ
fsr-3217	369	25	literacy	literacy	NOUN
fsr-3217	369	26	of	of	ADP
fsr-3217	369	27	their	their	PRON
fsr-3217	369	28	clients	client	NOUN
fsr-3217	369	29	.	.	PUNCT
fsr-3217	370	1	even	even	ADV
fsr-3217	370	2	though	though	SCONJ
fsr-3217	370	3	it	it	PRON
fsr-3217	370	4	is	be	AUX
fsr-3217	370	5	difficult	difficult	ADJ
fsr-3217	370	6	to	to	PART
fsr-3217	370	7	measure	measure	VERB
fsr-3217	370	8	the	the	DET
fsr-3217	370	9	impact	impact	NOUN
fsr-3217	370	10	financial	financial	ADJ
fsr-3217	370	11	advisers	adviser	NOUN
fsr-3217	370	12	have	have	VERB
fsr-3217	370	13	on	on	ADP
fsr-3217	370	14	the	the	DET
fsr-3217	370	15	financial	financial	ADJ
fsr-3217	370	16	literacy	literacy	NOUN
fsr-3217	370	17	of	of	ADP
fsr-3217	370	18	their	their	PRON
fsr-3217	370	19	clients	client	NOUN
fsr-3217	370	20	with	with	ADP
fsr-3217	370	21	precision	precision	NOUN
fsr-3217	370	22	,	,	PUNCT
fsr-3217	370	23	we	we	PRON
fsr-3217	370	24	have	have	AUX
fsr-3217	370	25	established	establish	VERB
fsr-3217	370	26	that	that	SCONJ
fsr-3217	370	27	a	a	DET
fsr-3217	370	28	positive	positive	ADJ
fsr-3217	370	29	relationship	relationship	NOUN
fsr-3217	370	30	exists	exist	VERB
fsr-3217	370	31	between	between	ADP
fsr-3217	370	32	financial	financial	ADJ
fsr-3217	370	33	advisers	adviser	NOUN
fsr-3217	370	34	and	and	CCONJ
fsr-3217	370	35	financial	financial	ADJ
fsr-3217	370	36	literacy	literacy	NOUN
fsr-3217	370	37	after	after	ADP
fsr-3217	370	38	controlling	control	VERB
fsr-3217	370	39	for	for	ADP
fsr-3217	370	40	demographic	demographic	ADJ
fsr-3217	370	41	characteristics	characteristic	NOUN
fsr-3217	370	42	that	that	PRON
fsr-3217	370	43	are	be	AUX
fsr-3217	370	44	shown	show	VERB
fsr-3217	370	45	to	to	PART
fsr-3217	370	46	impact	impact	VERB
fsr-3217	370	47	financial	financial	ADJ
fsr-3217	370	48	literacy	literacy	NOUN
fsr-3217	370	49	.	.	PUNCT
fsr-3217	371	1	this	this	DET
fsr-3217	371	2	relationship	relationship	NOUN
fsr-3217	371	3	also	also	ADV
fsr-3217	371	4	remains	remain	VERB
fsr-3217	371	5	robust	robust	ADJ
fsr-3217	371	6	152	152	NUM
fsr-3217	371	7	b.	b.	PROPN
fsr-3217	371	8	balasubramnian	balasubramnian	PROPN
fsr-3217	371	9	,	,	PUNCT
fsr-3217	371	10	e.r	e.r	PROPN
fsr-3217	371	11	.	.	NOUN
fsr-3217	371	12	brisker	brisk	ADJ
fsr-3217	371	13	/	/	SYM
fsr-3217	371	14	financial	financial	ADJ
fsr-3217	371	15	services	service	NOUN
fsr-3217	371	16	review	review	VERB
fsr-3217	371	17	25	25	NUM
fsr-3217	371	18	(	(	PUNCT
fsr-3217	371	19	2016	2016	NUM
fsr-3217	371	20	)	)	PUNCT
fsr-3217	371	21	127–155	127–155	NUM
fsr-3217	371	22	when	when	SCONJ
fsr-3217	371	23	controlling	control	VERB
fsr-3217	371	24	for	for	ADP
fsr-3217	371	25	the	the	DET
fsr-3217	371	26	possibility	possibility	NOUN
fsr-3217	371	27	of	of	ADP
fsr-3217	371	28	endogeneity	endogeneity	NOUN
fsr-3217	371	29	and	and	CCONJ
fsr-3217	371	30	confounding	confound	VERB
fsr-3217	371	31	variable	variable	ADJ
fsr-3217	371	32	problems	problem	NOUN
fsr-3217	371	33	that	that	PRON
fsr-3217	371	34	may	may	AUX
fsr-3217	371	35	exist	exist	VERB
fsr-3217	371	36	in	in	ADP
fsr-3217	371	37	a	a	DET
fsr-3217	371	38	model	model	NOUN
fsr-3217	371	39	relating	relate	VERB
fsr-3217	371	40	financial	financial	ADJ
fsr-3217	371	41	adviser	adviser	NOUN
fsr-3217	371	42	use	use	NOUN
fsr-3217	371	43	with	with	ADP
fsr-3217	371	44	financial	financial	ADJ
fsr-3217	371	45	literacy	literacy	NOUN
fsr-3217	371	46	scores	score	NOUN
fsr-3217	371	47	.	.	PUNCT
fsr-3217	372	1	the	the	DET
fsr-3217	372	2	positive	positive	ADJ
fsr-3217	372	3	relationship	relationship	NOUN
fsr-3217	372	4	we	we	PRON
fsr-3217	372	5	find	find	VERB
fsr-3217	372	6	that	that	PRON
fsr-3217	372	7	exists	exist	VERB
fsr-3217	372	8	between	between	ADP
fsr-3217	372	9	financial	financial	ADJ
fsr-3217	372	10	adviser	adviser	NOUN
fsr-3217	372	11	use	use	NOUN
fsr-3217	372	12	and	and	CCONJ
fsr-3217	372	13	financial	financial	ADJ
fsr-3217	372	14	literacy	literacy	NOUN
fsr-3217	372	15	scores	score	NOUN
fsr-3217	372	16	suggest	suggest	VERB
fsr-3217	372	17	that	that	SCONJ
fsr-3217	372	18	clients	client	NOUN
fsr-3217	372	19	appear	appear	VERB
fsr-3217	372	20	to	to	PART
fsr-3217	372	21	learn	learn	VERB
fsr-3217	372	22	from	from	ADP
fsr-3217	372	23	their	their	PRON
fsr-3217	372	24	interactions	interaction	NOUN
fsr-3217	372	25	with	with	ADP
fsr-3217	372	26	financial	financial	ADJ
fsr-3217	372	27	advisers	adviser	NOUN
fsr-3217	372	28	.	.	PUNCT
fsr-3217	373	1	these	these	DET
fsr-3217	373	2	results	result	NOUN
fsr-3217	373	3	show	show	VERB
fsr-3217	373	4	that	that	SCONJ
fsr-3217	373	5	financial	financial	ADJ
fsr-3217	373	6	advisers	adviser	NOUN
fsr-3217	373	7	do	do	AUX
fsr-3217	373	8	not	not	PART
fsr-3217	373	9	just	just	ADV
fsr-3217	373	10	offer	offer	VERB
fsr-3217	373	11	financial	financial	ADJ
fsr-3217	373	12	advice	advice	NOUN
fsr-3217	373	13	,	,	PUNCT
fsr-3217	373	14	but	but	CCONJ
fsr-3217	373	15	also	also	ADV
fsr-3217	373	16	play	play	VERB
fsr-3217	373	17	a	a	DET
fsr-3217	373	18	significant	significant	ADJ
fsr-3217	373	19	role	role	NOUN
fsr-3217	373	20	in	in	ADP
fsr-3217	373	21	disseminating	disseminate	VERB
fsr-3217	373	22	financial	financial	ADJ
fsr-3217	373	23	knowledge	knowledge	NOUN
fsr-3217	373	24	to	to	ADP
fsr-3217	373	25	their	their	PRON
fsr-3217	373	26	clients	client	NOUN
fsr-3217	373	27	that	that	PRON
fsr-3217	373	28	has	have	VERB
fsr-3217	373	29	a	a	DET
fsr-3217	373	30	positive	positive	ADJ
fsr-3217	373	31	impact	impact	NOUN
fsr-3217	373	32	on	on	ADP
fsr-3217	373	33	financial	financial	ADJ
fsr-3217	373	34	literacy	literacy	NOUN
fsr-3217	373	35	.	.	PUNCT
fsr-3217	374	1	future	future	ADJ
fsr-3217	374	2	research	research	NOUN
fsr-3217	374	3	using	use	VERB
fsr-3217	374	4	longitudinal	longitudinal	ADJ
fsr-3217	374	5	data	datum	NOUN
fsr-3217	374	6	that	that	PRON
fsr-3217	374	7	measures	measure	VERB
fsr-3217	374	8	financial	financial	ADJ
fsr-3217	374	9	literacy	literacy	NOUN
fsr-3217	374	10	before	before	ADV
fsr-3217	374	11	and	and	CCONJ
fsr-3217	374	12	after	after	ADP
fsr-3217	374	13	using	use	VERB
fsr-3217	374	14	a	a	DET
fsr-3217	374	15	financial	financial	ADJ
fsr-3217	374	16	adviser	adviser	NOUN
fsr-3217	374	17	,	,	PUNCT
fsr-3217	374	18	or	or	CCONJ
fsr-3217	374	19	that	that	PRON
fsr-3217	374	20	is	be	AUX
fsr-3217	374	21	able	able	ADJ
fsr-3217	374	22	to	to	PART
fsr-3217	374	23	track	track	VERB
fsr-3217	374	24	the	the	DET
fsr-3217	374	25	financial	financial	ADJ
fsr-3217	374	26	adviser	adviser	NOUN
fsr-3217	374	27	-	-	PUNCT
fsr-3217	374	28	client	client	NOUN
fsr-3217	374	29	relationship	relationship	NOUN
fsr-3217	374	30	through	through	ADP
fsr-3217	374	31	time	time	NOUN
fsr-3217	374	32	,	,	PUNCT
fsr-3217	374	33	would	would	AUX
fsr-3217	374	34	be	be	AUX
fsr-3217	374	35	able	able	ADJ
fsr-3217	374	36	to	to	PART
fsr-3217	374	37	measure	measure	VERB
fsr-3217	374	38	the	the	DET
fsr-3217	374	39	impact	impact	NOUN
fsr-3217	374	40	financial	financial	ADJ
fsr-3217	374	41	advisers	adviser	NOUN
fsr-3217	374	42	have	have	VERB
fsr-3217	374	43	on	on	ADP
fsr-3217	374	44	the	the	DET
fsr-3217	374	45	financial	financial	ADJ
fsr-3217	374	46	literacy	literacy	NOUN
fsr-3217	374	47	of	of	ADP
fsr-3217	374	48	their	their	PRON
fsr-3217	374	49	clients	client	NOUN
fsr-3217	374	50	with	with	ADP
fsr-3217	374	51	more	more	ADJ
fsr-3217	374	52	precision	precision	NOUN
fsr-3217	374	53	.	.	PUNCT
fsr-3217	375	1	notes	note	VERB
fsr-3217	375	2	1	1	NUM
fsr-3217	375	3	debt	debt	NOUN
fsr-3217	375	4	counseling	counseling	NOUN
fsr-3217	375	5	refers	refer	VERB
fsr-3217	375	6	to	to	ADP
fsr-3217	375	7	the	the	DET
fsr-3217	375	8	services	service	NOUN
fsr-3217	375	9	provided	provide	VERB
fsr-3217	375	10	to	to	ADP
fsr-3217	375	11	individuals	individual	NOUN
fsr-3217	375	12	who	who	PRON
fsr-3217	375	13	have	have	VERB
fsr-3217	375	14	problems	problem	NOUN
fsr-3217	375	15	repaying	repay	VERB
fsr-3217	375	16	their	their	PRON
fsr-3217	375	17	debt	debt	NOUN
fsr-3217	375	18	on	on	ADP
fsr-3217	375	19	time	time	NOUN
fsr-3217	375	20	.	.	PUNCT
fsr-3217	376	1	for	for	ADP
fsr-3217	376	2	further	further	ADJ
fsr-3217	376	3	details	detail	NOUN
fsr-3217	376	4	,	,	PUNCT
fsr-3217	376	5	please	please	INTJ
fsr-3217	376	6	see	see	VERB
fsr-3217	376	7	:	:	PUNCT
fsr-3217	376	8	http://www.consumer	http://www.consumer	PROPN
fsr-3217	376	9	finance.gov/askcfpb/1449/whats-difference-between-credit-counselor-and-debtsettlement-company.html	finance.gov/askcfpb/1449/whats-difference-between-credit-counselor-and-debtsettlement-company.html	ADJ
fsr-3217	376	10	.	.	PUNCT
fsr-3217	377	1	2	2	NUM
fsr-3217	377	2	we	we	PRON
fsr-3217	377	3	also	also	ADV
fsr-3217	377	4	estimated	estimate	VERB
fsr-3217	377	5	the	the	DET
fsr-3217	377	6	iv	iv	NUM
fsr-3217	377	7	model	model	NOUN
fsr-3217	377	8	using	use	VERB
fsr-3217	377	9	two	two	NUM
fsr-3217	377	10	-	-	PUNCT
fsr-3217	377	11	stage	stage	NOUN
fsr-3217	377	12	least	least	ADJ
fsr-3217	377	13	squares	square	NOUN
fsr-3217	377	14	(	(	PUNCT
fsr-3217	377	15	2sls	2sls	NOUN
fsr-3217	377	16	)	)	PUNCT
fsr-3217	377	17	with	with	ADP
fsr-3217	377	18	results	result	NOUN
fsr-3217	377	19	nearly	nearly	ADV
fsr-3217	377	20	identical	identical	ADJ
fsr-3217	377	21	to	to	ADP
fsr-3217	377	22	the	the	DET
fsr-3217	377	23	reported	report	VERB
fsr-3217	377	24	gmm	gmm	PROPN
fsr-3217	377	25	results	result	NOUN
fsr-3217	377	26	.	.	PUNCT
fsr-3217	378	1	3	3	NUM
fsr-3217	378	2	coefficient	coefficient	NOUN
fsr-3217	378	3	estimates	estimate	NOUN
fsr-3217	378	4	for	for	ADP
fsr-3217	378	5	the	the	DET
fsr-3217	378	6	demographic	demographic	ADJ
fsr-3217	378	7	control	control	NOUN
fsr-3217	378	8	variables	variable	NOUN
fsr-3217	378	9	are	be	AUX
fsr-3217	378	10	nearly	nearly	ADV
fsr-3217	378	11	identical	identical	ADJ
fsr-3217	378	12	to	to	ADP
fsr-3217	378	13	what	what	PRON
fsr-3217	378	14	is	be	AUX
fsr-3217	378	15	reported	report	VERB
fsr-3217	378	16	in	in	ADP
fsr-3217	378	17	table	table	NOUN
fsr-3217	378	18	4	4	NUM
fsr-3217	378	19	.	.	PUNCT
fsr-3217	378	20	acknowledgment	acknowledgment	NOUN
fsr-3217	378	21	research	research	NOUN
fsr-3217	378	22	funded	fund	VERB
fsr-3217	378	23	by	by	ADP
fsr-3217	378	24	the	the	DET
fsr-3217	378	25	university	university	PROPN
fsr-3217	378	26	of	of	ADP
fsr-3217	378	27	akron	akron	NOUN
fsr-3217	378	28	-	-	PUNCT
fsr-3217	378	29	finance	finance	NOUN
fsr-3217	378	30	advisory	advisory	ADJ
fsr-3217	378	31	board	board	NOUN
fsr-3217	378	32	2014	2014	NUM
fsr-3217	378	33	economic	economic	ADJ
fsr-3217	378	34	summit	summit	NOUN
fsr-3217	378	35	awards	awards	PROPN
fsr-3217	378	36	program	program	NOUN
fsr-3217	378	37	grant	grant	NOUN
fsr-3217	378	38	.	.	PUNCT
fsr-3217	379	1	appendix	appendix	VERB
fsr-3217	379	2	a	a	DET
fsr-3217	379	3	:	:	PUNCT
fsr-3217	379	4	financial	financial	ADJ
fsr-3217	379	5	literacy	literacy	NOUN
fsr-3217	379	6	questions	question	NOUN
fsr-3217	379	7	below	below	ADV
fsr-3217	379	8	are	be	AUX
fsr-3217	379	9	the	the	DET
fsr-3217	379	10	five	five	NUM
fsr-3217	379	11	financial	financial	ADJ
fsr-3217	379	12	literacy	literacy	NOUN
fsr-3217	379	13	questions	question	NOUN
fsr-3217	379	14	asked	ask	VERB
fsr-3217	379	15	in	in	ADP
fsr-3217	379	16	the	the	DET
fsr-3217	379	17	survey	survey	NOUN
fsr-3217	379	18	that	that	PRON
fsr-3217	379	19	is	be	AUX
fsr-3217	379	20	used	use	VERB
fsr-3217	379	21	to	to	PART
fsr-3217	379	22	measure	measure	VERB
fsr-3217	379	23	the	the	DET
fsr-3217	379	24	financial	financial	ADJ
fsr-3217	379	25	literacy	literacy	NOUN
fsr-3217	379	26	of	of	ADP
fsr-3217	379	27	the	the	DET
fsr-3217	379	28	survey	survey	NOUN
fsr-3217	379	29	respondent	respondent	NOUN
fsr-3217	379	30	:	:	PUNCT
fsr-3217	379	31	1	1	X
fsr-3217	379	32	.	.	X
fsr-3217	379	33	suppose	suppose	VERB
fsr-3217	379	34	you	you	PRON
fsr-3217	379	35	had	have	VERB
fsr-3217	379	36	$	$	SYM
fsr-3217	379	37	100	100	NUM
fsr-3217	379	38	in	in	ADP
fsr-3217	379	39	a	a	DET
fsr-3217	379	40	savings	saving	NOUN
fsr-3217	379	41	account	account	NOUN
fsr-3217	379	42	and	and	CCONJ
fsr-3217	379	43	the	the	DET
fsr-3217	379	44	interest	interest	NOUN
fsr-3217	379	45	rate	rate	NOUN
fsr-3217	379	46	was	be	AUX
fsr-3217	379	47	2	2	NUM
fsr-3217	379	48	%	%	NOUN
fsr-3217	379	49	per	per	ADP
fsr-3217	379	50	year	year	NOUN
fsr-3217	379	51	.	.	PUNCT
fsr-3217	380	1	after	after	ADP
fsr-3217	380	2	5	5	NUM
fsr-3217	380	3	years	year	NOUN
fsr-3217	380	4	,	,	PUNCT
fsr-3217	380	5	how	how	SCONJ
fsr-3217	380	6	much	much	ADJ
fsr-3217	380	7	do	do	AUX
fsr-3217	380	8	you	you	PRON
fsr-3217	380	9	think	think	VERB
fsr-3217	380	10	you	you	PRON
fsr-3217	380	11	would	would	AUX
fsr-3217	380	12	have	have	VERB
fsr-3217	380	13	in	in	ADP
fsr-3217	380	14	the	the	DET
fsr-3217	380	15	account	account	NOUN
fsr-3217	380	16	if	if	SCONJ
fsr-3217	380	17	you	you	PRON
fsr-3217	380	18	left	leave	VERB
fsr-3217	380	19	the	the	DET
fsr-3217	380	20	money	money	NOUN
fsr-3217	380	21	to	to	PART
fsr-3217	380	22	grow	grow	VERB
fsr-3217	380	23	?	?	PUNCT
fsr-3217	381	1	a.	a.	NOUN
fsr-3217	381	2	more	more	ADJ
fsr-3217	381	3	than	than	ADP
fsr-3217	381	4	$	$	SYM
fsr-3217	381	5	102	102	NUM
fsr-3217	381	6	b.	b.	NOUN
fsr-3217	381	7	exactly	exactly	ADV
fsr-3217	381	8	$	$	SYM
fsr-3217	381	9	102	102	NUM
fsr-3217	381	10	c.	c.	NOUN
fsr-3217	381	11	less	less	ADJ
fsr-3217	381	12	than	than	ADP
fsr-3217	381	13	$	$	SYM
fsr-3217	381	14	102	102	NUM
fsr-3217	381	15	d.	d.	NOUN
fsr-3217	381	16	do	do	AUX
fsr-3217	381	17	n’t	not	PART
fsr-3217	381	18	know	know	VERB
fsr-3217	381	19	e.	e.	PROPN
fsr-3217	381	20	refused	refuse	VERB
fsr-3217	381	21	2	2	NUM
fsr-3217	381	22	.	.	PUNCT
fsr-3217	381	23	imagine	imagine	VERB
fsr-3217	381	24	that	that	SCONJ
fsr-3217	381	25	the	the	DET
fsr-3217	381	26	interest	interest	NOUN
fsr-3217	381	27	rate	rate	NOUN
fsr-3217	381	28	on	on	ADP
fsr-3217	381	29	your	your	PRON
fsr-3217	381	30	savings	saving	NOUN
fsr-3217	381	31	account	account	NOUN
fsr-3217	381	32	was	be	AUX
fsr-3217	381	33	1	1	NUM
fsr-3217	381	34	%	%	NOUN
fsr-3217	381	35	per	per	ADP
fsr-3217	381	36	year	year	NOUN
fsr-3217	381	37	and	and	CCONJ
fsr-3217	381	38	inflation	inflation	NOUN
fsr-3217	381	39	was	be	AUX
fsr-3217	381	40	2	2	NUM
fsr-3217	381	41	%	%	NOUN
fsr-3217	381	42	per	per	ADP
fsr-3217	381	43	year	year	NOUN
fsr-3217	381	44	.	.	PUNCT
fsr-3217	382	1	after	after	ADP
fsr-3217	382	2	1	1	NUM
fsr-3217	382	3	year	year	NOUN
fsr-3217	382	4	,	,	PUNCT
fsr-3217	382	5	how	how	SCONJ
fsr-3217	382	6	much	much	ADJ
fsr-3217	382	7	would	would	AUX
fsr-3217	382	8	you	you	PRON
fsr-3217	382	9	be	be	AUX
fsr-3217	382	10	able	able	ADJ
fsr-3217	382	11	to	to	PART
fsr-3217	382	12	buy	buy	VERB
fsr-3217	382	13	with	with	ADP
fsr-3217	382	14	the	the	DET
fsr-3217	382	15	money	money	NOUN
fsr-3217	382	16	in	in	ADP
fsr-3217	382	17	this	this	DET
fsr-3217	382	18	account	account	NOUN
fsr-3217	382	19	?	?	PUNCT
fsr-3217	383	1	153b	153b	NOUN
fsr-3217	383	2	.	.	PUNCT
fsr-3217	384	1	balasubramnian	balasubramnian	PROPN
fsr-3217	384	2	,	,	PUNCT
fsr-3217	384	3	e.r	e.r	PROPN
fsr-3217	384	4	.	.	NOUN
fsr-3217	384	5	brisker	brisk	ADJ
fsr-3217	384	6	/	/	SYM
fsr-3217	384	7	financial	financial	ADJ
fsr-3217	384	8	services	service	NOUN
fsr-3217	384	9	review	review	VERB
fsr-3217	384	10	25	25	NUM
fsr-3217	384	11	(	(	PUNCT
fsr-3217	384	12	2016	2016	NUM
fsr-3217	384	13	)	)	PUNCT
fsr-3217	384	14	127–155	127–155	NUM
fsr-3217	384	15	a.	a.	NOUN
fsr-3217	384	16	more	more	ADJ
fsr-3217	384	17	than	than	ADP
fsr-3217	384	18	today	today	NOUN
fsr-3217	384	19	b.	b.	NOUN
fsr-3217	385	1	exactly	exactly	ADV
fsr-3217	385	2	the	the	DET
fsr-3217	385	3	same	same	ADJ
fsr-3217	385	4	c.	c.	NOUN
fsr-3217	385	5	less	less	ADJ
fsr-3217	385	6	than	than	SCONJ
fsr-3217	385	7	today	today	NOUN
fsr-3217	385	8	d.	d.	PROPN
fsr-3217	385	9	do	do	AUX
fsr-3217	385	10	n’t	not	PART
fsr-3217	385	11	know	know	VERB
fsr-3217	385	12	e.	e.	PROPN
fsr-3217	385	13	refused	refuse	VERB
fsr-3217	385	14	3	3	NUM
fsr-3217	385	15	.	.	PUNCT
fsr-3217	386	1	if	if	SCONJ
fsr-3217	386	2	interest	interest	NOUN
fsr-3217	386	3	rates	rate	NOUN
fsr-3217	386	4	rise	rise	VERB
fsr-3217	386	5	,	,	PUNCT
fsr-3217	386	6	what	what	PRON
fsr-3217	386	7	will	will	AUX
fsr-3217	386	8	typically	typically	ADV
fsr-3217	386	9	happen	happen	VERB
fsr-3217	386	10	to	to	PART
fsr-3217	386	11	bond	bond	NOUN
fsr-3217	386	12	prices	price	NOUN
fsr-3217	386	13	?	?	PUNCT
fsr-3217	387	1	a.	a.	NOUN
fsr-3217	387	2	they	they	PRON
fsr-3217	387	3	will	will	AUX
fsr-3217	387	4	rise	rise	VERB
fsr-3217	387	5	b.	b.	PROPN
fsr-3217	388	1	they	they	PRON
fsr-3217	388	2	will	will	AUX
fsr-3217	388	3	fall	fall	VERB
fsr-3217	388	4	c.	c.	NOUN
fsr-3217	388	5	they	they	PRON
fsr-3217	388	6	will	will	AUX
fsr-3217	388	7	stay	stay	VERB
fsr-3217	388	8	the	the	DET
fsr-3217	388	9	same	same	ADJ
fsr-3217	388	10	d.	d.	NOUN
fsr-3217	388	11	there	there	PRON
fsr-3217	388	12	is	be	VERB
fsr-3217	388	13	no	no	DET
fsr-3217	388	14	relationship	relationship	NOUN
fsr-3217	388	15	between	between	ADP
fsr-3217	388	16	bond	bond	NOUN
fsr-3217	388	17	prices	price	NOUN
fsr-3217	388	18	and	and	CCONJ
fsr-3217	388	19	the	the	DET
fsr-3217	388	20	interest	interest	NOUN
fsr-3217	388	21	e.	e.	PROPN
fsr-3217	388	22	do	do	AUX
fsr-3217	388	23	n’t	not	PART
fsr-3217	388	24	know	know	VERB
fsr-3217	388	25	f.	f.	PROPN
fsr-3217	388	26	refused	refuse	VERB
fsr-3217	388	27	4	4	NUM
fsr-3217	388	28	.	.	PUNCT
fsr-3217	389	1	a	a	DET
fsr-3217	389	2	15	15	NUM
fsr-3217	389	3	-	-	PUNCT
fsr-3217	389	4	year	year	NOUN
fsr-3217	389	5	mortgage	mortgage	NOUN
fsr-3217	389	6	typically	typically	ADV
fsr-3217	389	7	requires	require	VERB
fsr-3217	389	8	higher	high	ADJ
fsr-3217	389	9	monthly	monthly	ADJ
fsr-3217	389	10	payments	payment	NOUN
fsr-3217	389	11	than	than	ADP
fsr-3217	389	12	a	a	DET
fsr-3217	389	13	30	30	NUM
fsr-3217	389	14	-	-	PUNCT
fsr-3217	389	15	year	year	NOUN
fsr-3217	389	16	mortgage	mortgage	NOUN
fsr-3217	389	17	,	,	PUNCT
fsr-3217	389	18	but	but	CCONJ
fsr-3217	389	19	the	the	DET
fsr-3217	389	20	total	total	ADJ
fsr-3217	389	21	interest	interest	NOUN
fsr-3217	389	22	paid	pay	VERB
fsr-3217	389	23	over	over	ADP
fsr-3217	389	24	the	the	DET
fsr-3217	389	25	life	life	NOUN
fsr-3217	389	26	of	of	ADP
fsr-3217	389	27	the	the	DET
fsr-3217	389	28	loan	loan	NOUN
fsr-3217	389	29	will	will	AUX
fsr-3217	389	30	be	be	AUX
fsr-3217	389	31	less	less	ADJ
fsr-3217	389	32	.	.	PUNCT
fsr-3217	390	1	a.	a.	PROPN
fsr-3217	390	2	true	true	PROPN
fsr-3217	390	3	b.	b.	PROPN
fsr-3217	390	4	false	false	PROPN
fsr-3217	390	5	c.	c.	NOUN
fsr-3217	390	6	do	do	AUX
fsr-3217	390	7	n’t	not	PART
fsr-3217	390	8	know	know	VERB
fsr-3217	390	9	d.	d.	PROPN
fsr-3217	390	10	refused	refuse	VERB
fsr-3217	390	11	5	5	NUM
fsr-3217	390	12	.	.	PUNCT
fsr-3217	390	13	buying	buy	VERB
fsr-3217	390	14	a	a	DET
fsr-3217	390	15	single	single	ADJ
fsr-3217	390	16	company	company	NOUN
fsr-3217	390	17	’s	’s	PART
fsr-3217	390	18	stock	stock	NOUN
fsr-3217	390	19	usually	usually	ADV
fsr-3217	390	20	provides	provide	VERB
fsr-3217	390	21	a	a	DET
fsr-3217	390	22	safer	safe	ADJ
fsr-3217	390	23	return	return	NOUN
fsr-3217	390	24	than	than	ADP
fsr-3217	390	25	a	a	DET
fsr-3217	390	26	stock	stock	NOUN
fsr-3217	390	27	mutual	mutual	ADJ
fsr-3217	390	28	fund	fund	NOUN
fsr-3217	390	29	.	.	PUNCT
fsr-3217	391	1	a.	a.	PROPN
fsr-3217	391	2	true	true	PROPN
fsr-3217	391	3	b.	b.	PROPN
fsr-3217	391	4	false	false	PROPN
fsr-3217	391	5	c.	c.	NOUN
fsr-3217	391	6	do	do	AUX
fsr-3217	391	7	n’t	not	PART
fsr-3217	391	8	know	know	VERB
fsr-3217	391	9	d.	d.	PROPN
fsr-3217	391	10	refused	refuse	VERB
fsr-3217	391	11	references	reference	NOUN
fsr-3217	391	12	allgood	allgood	PROPN
fsr-3217	391	13	,	,	PUNCT
fsr-3217	391	14	s.	s.	PROPN
fsr-3217	391	15	,	,	PUNCT
fsr-3217	391	16	&	&	CCONJ
fsr-3217	391	17	walstad	walstad	PROPN
fsr-3217	391	18	,	,	PUNCT
fsr-3217	391	19	w.	w.	PROPN
fsr-3217	391	20	b.	b.	PROPN
fsr-3217	391	21	(	(	PUNCT
fsr-3217	391	22	2016	2016	NUM
fsr-3217	391	23	)	)	PUNCT
fsr-3217	391	24	.	.	PUNCT
fsr-3217	392	1	the	the	DET
fsr-3217	392	2	effects	effect	NOUN
fsr-3217	392	3	of	of	ADP
fsr-3217	392	4	perceived	perceive	VERB
fsr-3217	392	5	and	and	CCONJ
fsr-3217	392	6	actual	actual	ADJ
fsr-3217	392	7	financial	financial	ADJ
fsr-3217	392	8	literacy	literacy	NOUN
fsr-3217	392	9	on	on	ADP
fsr-3217	392	10	financial	financial	ADJ
fsr-3217	392	11	behaviors	behavior	NOUN
fsr-3217	392	12	.	.	PUNCT
fsr-3217	393	1	economic	economic	ADJ
fsr-3217	393	2	inquiry	inquiry	NOUN
fsr-3217	393	3	,	,	PUNCT
fsr-3217	393	4	54	54	NUM
fsr-3217	393	5	,	,	PUNCT
fsr-3217	393	6	675–697	675–697	NUM
fsr-3217	393	7	.	.	PUNCT
fsr-3217	394	1	bandura	bandura	NOUN
fsr-3217	394	2	,	,	PUNCT
fsr-3217	394	3	a.	a.	NOUN
fsr-3217	394	4	(	(	PUNCT
fsr-3217	394	5	1977	1977	NUM
fsr-3217	394	6	)	)	PUNCT
fsr-3217	394	7	.	.	PUNCT
fsr-3217	395	1	social	social	ADJ
fsr-3217	395	2	learning	learning	PROPN
fsr-3217	395	3	theory	theory	NOUN
fsr-3217	395	4	.	.	PUNCT
fsr-3217	396	1	englewood	englewood	PROPN
fsr-3217	396	2	cliffs	cliffs	PROPN
fsr-3217	396	3	,	,	PUNCT
fsr-3217	396	4	nj	nj	PROPN
fsr-3217	396	5	:	:	PUNCT
fsr-3217	396	6	prentice	prentice	NOUN
fsr-3217	396	7	-	-	PUNCT
fsr-3217	396	8	hall	hall	NOUN
fsr-3217	396	9	.	.	PUNCT
fsr-3217	397	1	barber	barber	PROPN
fsr-3217	397	2	,	,	PUNCT
fsr-3217	397	3	b.	b.	PROPN
fsr-3217	397	4	m.	m.	PROPN
fsr-3217	397	5	,	,	PUNCT
fsr-3217	397	6	&	&	CCONJ
fsr-3217	397	7	odean	odean	ADJ
fsr-3217	397	8	,	,	PUNCT
fsr-3217	397	9	t.	t.	PROPN
fsr-3217	397	10	(	(	PUNCT
fsr-3217	397	11	2001	2001	NUM
fsr-3217	397	12	)	)	PUNCT
fsr-3217	397	13	.	.	PUNCT
fsr-3217	398	1	boys	boy	NOUN
fsr-3217	398	2	will	will	AUX
fsr-3217	398	3	be	be	AUX
fsr-3217	398	4	boys	boy	NOUN
fsr-3217	398	5	:	:	PUNCT
fsr-3217	398	6	gender	gender	NOUN
fsr-3217	398	7	,	,	PUNCT
fsr-3217	398	8	overconfidence	overconfidence	NOUN
fsr-3217	398	9	,	,	PUNCT
fsr-3217	398	10	and	and	CCONJ
fsr-3217	398	11	common	common	ADJ
fsr-3217	398	12	stock	stock	NOUN
fsr-3217	398	13	investment	investment	NOUN
fsr-3217	398	14	.	.	PUNCT
fsr-3217	399	1	the	the	DET
fsr-3217	399	2	quarterly	quarterly	ADJ
fsr-3217	399	3	journal	journal	NOUN
fsr-3217	399	4	of	of	ADP
fsr-3217	399	5	economics	economic	NOUN
fsr-3217	399	6	,	,	PUNCT
fsr-3217	399	7	116	116	NUM
fsr-3217	399	8	,	,	PUNCT
fsr-3217	399	9	261–292	261–292	NUM
fsr-3217	399	10	.	.	PUNCT
fsr-3217	400	1	black	black	ADJ
fsr-3217	400	2	,	,	PUNCT
fsr-3217	400	3	k.	k.	PROPN
fsr-3217	400	4	jr	jr	PROPN
fsr-3217	400	5	.	.	PROPN
fsr-3217	400	6	,	,	PUNCT
fsr-3217	400	7	ciccotello	ciccotello	PROPN
fsr-3217	400	8	,	,	PUNCT
fsr-3217	400	9	c.	c.	PROPN
fsr-3217	400	10	s.	s.	PROPN
fsr-3217	400	11	,	,	PUNCT
fsr-3217	400	12	&	&	CCONJ
fsr-3217	400	13	skipper	skipper	PROPN
fsr-3217	400	14	,	,	PUNCT
fsr-3217	400	15	h.	h.	PROPN
fsr-3217	400	16	d.	d.	PROPN
fsr-3217	400	17	,	,	PUNCT
fsr-3217	400	18	jr	jr	PROPN
fsr-3217	400	19	.	.	PROPN
fsr-3217	400	20	(	(	PUNCT
fsr-3217	400	21	2002	2002	NUM
fsr-3217	400	22	)	)	PUNCT
fsr-3217	400	23	.	.	PUNCT
fsr-3217	401	1	issues	issue	NOUN
fsr-3217	401	2	in	in	ADP
fsr-3217	401	3	comprehensive	comprehensive	ADJ
fsr-3217	401	4	financial	financial	ADJ
fsr-3217	401	5	planning	planning	NOUN
fsr-3217	401	6	.	.	PUNCT
fsr-3217	402	1	financial	financial	ADJ
fsr-3217	402	2	services	service	NOUN
fsr-3217	402	3	review	review	PROPN
fsr-3217	402	4	,	,	PUNCT
fsr-3217	402	5	11	11	NUM
fsr-3217	402	6	,	,	PUNCT
fsr-3217	402	7	1–9	1–9	NOUN
fsr-3217	402	8	.	.	NOUN
fsr-3217	402	9	bucher	bucher	PROPN
fsr-3217	402	10	-	-	PUNCT
fsr-3217	402	11	koenen	koenen	NOUN
fsr-3217	402	12	,	,	PUNCT
fsr-3217	402	13	t.	t.	PROPN
fsr-3217	402	14	,	,	PUNCT
fsr-3217	402	15	&	&	CCONJ
fsr-3217	402	16	lusardi	lusardi	PROPN
fsr-3217	402	17	a.	a.	PROPN
fsr-3217	402	18	(	(	PUNCT
fsr-3217	402	19	2011	2011	NUM
fsr-3217	402	20	)	)	PUNCT
fsr-3217	402	21	.	.	PUNCT
fsr-3217	403	1	financial	financial	ADJ
fsr-3217	403	2	literacy	literacy	NOUN
fsr-3217	403	3	and	and	CCONJ
fsr-3217	403	4	retirement	retirement	NOUN
fsr-3217	403	5	planning	planning	NOUN
fsr-3217	403	6	in	in	ADP
fsr-3217	403	7	germany	germany	PROPN
fsr-3217	403	8	.	.	PUNCT
fsr-3217	404	1	journal	journal	PROPN
fsr-3217	404	2	of	of	ADP
fsr-3217	404	3	pension	pension	NOUN
fsr-3217	404	4	economics	economic	NOUN
fsr-3217	404	5	and	and	CCONJ
fsr-3217	404	6	finance	finance	NOUN
fsr-3217	404	7	,	,	PUNCT
fsr-3217	404	8	10	10	NUM
fsr-3217	404	9	,	,	PUNCT
fsr-3217	404	10	565–584	565–584	NUM
fsr-3217	404	11	.	.	PUNCT
fsr-3217	405	1	calvet	calvet	PROPN
fsr-3217	405	2	,	,	PUNCT
fsr-3217	405	3	l.	l.	PROPN
fsr-3217	405	4	e.	e.	PROPN
fsr-3217	405	5	,	,	PUNCT
fsr-3217	405	6	campbell	campbell	PROPN
fsr-3217	405	7	,	,	PUNCT
fsr-3217	405	8	j.	j.	PROPN
fsr-3217	405	9	y.	y.	PROPN
fsr-3217	405	10	,	,	PUNCT
fsr-3217	405	11	&	&	CCONJ
fsr-3217	405	12	sodini	sodini	PROPN
fsr-3217	405	13	,	,	PUNCT
fsr-3217	405	14	p.	p.	NOUN
fsr-3217	405	15	(	(	PUNCT
fsr-3217	405	16	2009	2009	NUM
fsr-3217	405	17	)	)	PUNCT
fsr-3217	405	18	.	.	PUNCT
fsr-3217	406	1	measuring	measure	VERB
fsr-3217	406	2	the	the	DET
fsr-3217	406	3	financial	financial	ADJ
fsr-3217	406	4	sophistication	sophistication	NOUN
fsr-3217	406	5	of	of	ADP
fsr-3217	406	6	households	household	NOUN
fsr-3217	406	7	.	.	PUNCT
fsr-3217	407	1	american	american	PROPN
fsr-3217	407	2	economic	economic	PROPN
fsr-3217	407	3	review	review	PROPN
fsr-3217	407	4	,	,	PUNCT
fsr-3217	407	5	99	99	NUM
fsr-3217	407	6	,	,	PUNCT
fsr-3217	407	7	393–398	393–398	NUM
fsr-3217	407	8	.	.	PUNCT
fsr-3217	408	1	campbell	campbell	PROPN
fsr-3217	408	2	,	,	PUNCT
fsr-3217	408	3	j.	j.	PROPN
fsr-3217	408	4	y.	y.	PROPN
fsr-3217	408	5	(	(	PUNCT
fsr-3217	408	6	2006	2006	NUM
fsr-3217	408	7	)	)	PUNCT
fsr-3217	408	8	.	.	PUNCT
fsr-3217	409	1	household	household	NOUN
fsr-3217	409	2	finance	finance	NOUN
fsr-3217	409	3	.	.	PUNCT
fsr-3217	410	1	journal	journal	PROPN
fsr-3217	410	2	of	of	ADP
fsr-3217	410	3	finance	finance	NOUN
fsr-3217	410	4	,	,	PUNCT
fsr-3217	410	5	59	59	NUM
fsr-3217	410	6	,	,	PUNCT
fsr-3217	410	7	1553–1604	1553–1604	NUM
fsr-3217	410	8	.	.	PUNCT
fsr-3217	411	1	elmerick	elmerick	PROPN
fsr-3217	411	2	,	,	PUNCT
fsr-3217	411	3	s.	s.	PROPN
fsr-3217	411	4	a.	a.	PROPN
fsr-3217	411	5	,	,	PUNCT
fsr-3217	411	6	montalto	montalto	PROPN
fsr-3217	411	7	,	,	PUNCT
fsr-3217	411	8	c.	c.	PROPN
fsr-3217	411	9	p.	p.	PROPN
fsr-3217	411	10	,	,	PUNCT
fsr-3217	411	11	&	&	CCONJ
fsr-3217	411	12	fox	fox	PROPN
fsr-3217	411	13	,	,	PUNCT
fsr-3217	411	14	j.	j.	PROPN
fsr-3217	411	15	j.	j.	PROPN
fsr-3217	411	16	(	(	PUNCT
fsr-3217	411	17	2002	2002	NUM
fsr-3217	411	18	)	)	PUNCT
fsr-3217	411	19	.	.	PUNCT
fsr-3217	412	1	use	use	NOUN
fsr-3217	412	2	of	of	ADP
fsr-3217	412	3	financial	financial	ADJ
fsr-3217	412	4	planners	planner	NOUN
fsr-3217	412	5	by	by	ADP
fsr-3217	412	6	u.	u.	PROPN
fsr-3217	412	7	s.	s.	PROPN
fsr-3217	412	8	households	households	PROPN
fsr-3217	412	9	.	.	PUNCT
fsr-3217	413	1	financial	financial	ADJ
fsr-3217	413	2	services	service	NOUN
fsr-3217	413	3	review	review	NOUN
fsr-3217	413	4	,	,	PUNCT
fsr-3217	413	5	11	11	NUM
fsr-3217	413	6	,	,	PUNCT
fsr-3217	413	7	217–231	217–231	NUM
fsr-3217	413	8	.	.	PUNCT
fsr-3217	413	9	154	154	NUM
fsr-3217	413	10	b.	b.	PROPN
fsr-3217	413	11	balasubramnian	balasubramnian	PROPN
fsr-3217	413	12	,	,	PUNCT
fsr-3217	413	13	e.r	e.r	PROPN
fsr-3217	413	14	.	.	NOUN
fsr-3217	413	15	brisker	brisk	ADJ
fsr-3217	413	16	/	/	SYM
fsr-3217	413	17	financial	financial	ADJ
fsr-3217	413	18	services	service	NOUN
fsr-3217	413	19	review	review	VERB
fsr-3217	413	20	25	25	NUM
fsr-3217	413	21	(	(	PUNCT
fsr-3217	413	22	2016	2016	NUM
fsr-3217	413	23	)	)	PUNCT
fsr-3217	413	24	127–155	127–155	NUM
fsr-3217	413	25	gathergood	gathergood	NOUN
fsr-3217	413	26	,	,	PUNCT
fsr-3217	413	27	j.	j.	PROPN
fsr-3217	413	28	(	(	PUNCT
fsr-3217	413	29	2012	2012	NUM
fsr-3217	413	30	)	)	PUNCT
fsr-3217	413	31	.	.	PUNCT
fsr-3217	414	1	self	self	NOUN
fsr-3217	414	2	-	-	PUNCT
fsr-3217	414	3	control	control	NOUN
fsr-3217	414	4	,	,	PUNCT
fsr-3217	414	5	financial	financial	ADJ
fsr-3217	414	6	literacy	literacy	NOUN
fsr-3217	414	7	,	,	PUNCT
fsr-3217	414	8	and	and	CCONJ
fsr-3217	414	9	over	over	ADP
fsr-3217	414	10	-	-	PUNCT
fsr-3217	414	11	indebtedness	indebtedness	NOUN
fsr-3217	414	12	.	.	PUNCT
fsr-3217	415	1	journal	journal	NOUN
fsr-3217	415	2	of	of	ADP
fsr-3217	415	3	economic	economic	ADJ
fsr-3217	415	4	psychology	psychology	NOUN
fsr-3217	415	5	,	,	PUNCT
fsr-3217	415	6	33	33	NUM
fsr-3217	415	7	,	,	PUNCT
fsr-3217	415	8	590–602	590–602	NUM
fsr-3217	415	9	.	.	PUNCT
fsr-3217	416	1	grimes	grime	NOUN
fsr-3217	416	2	,	,	PUNCT
fsr-3217	416	3	p.	p.	PROPN
fsr-3217	416	4	w.	w.	PROPN
fsr-3217	416	5	,	,	PUNCT
fsr-3217	416	6	rogers	rogers	PROPN
fsr-3217	416	7	,	,	PUNCT
fsr-3217	416	8	k.	k.	PROPN
fsr-3217	416	9	e.	e.	PROPN
fsr-3217	416	10	,	,	PUNCT
fsr-3217	416	11	&	&	CCONJ
fsr-3217	416	12	smith	smith	PROPN
fsr-3217	416	13	,	,	PUNCT
fsr-3217	416	14	r.	r.	PROPN
fsr-3217	416	15	c.	c.	PROPN
fsr-3217	416	16	(	(	PUNCT
fsr-3217	416	17	2010	2010	NUM
fsr-3217	416	18	)	)	PUNCT
fsr-3217	416	19	.	.	PUNCT
fsr-3217	417	1	high	high	ADJ
fsr-3217	417	2	school	school	PROPN
fsr-3217	417	3	economic	economic	ADJ
fsr-3217	417	4	education	education	NOUN
fsr-3217	417	5	and	and	CCONJ
fsr-3217	417	6	access	access	NOUN
fsr-3217	417	7	to	to	ADP
fsr-3217	417	8	financial	financial	ADJ
fsr-3217	417	9	services	service	NOUN
fsr-3217	417	10	.	.	PUNCT
fsr-3217	418	1	journal	journal	NOUN
fsr-3217	418	2	of	of	ADP
fsr-3217	418	3	consumer	consumer	NOUN
fsr-3217	418	4	affairs	affair	NOUN
fsr-3217	418	5	,	,	PUNCT
fsr-3217	418	6	44	44	NUM
fsr-3217	418	7	,	,	PUNCT
fsr-3217	418	8	317–335	317–335	NUM
fsr-3217	418	9	.	.	PUNCT
fsr-3217	419	1	huston	huston	PROPN
fsr-3217	419	2	,	,	PUNCT
fsr-3217	419	3	s.	s.	PROPN
fsr-3217	419	4	j.	j.	PROPN
fsr-3217	419	5	(	(	PUNCT
fsr-3217	419	6	2012	2012	NUM
fsr-3217	419	7	)	)	PUNCT
fsr-3217	419	8	.	.	PUNCT
fsr-3217	420	1	financial	financial	ADJ
fsr-3217	420	2	literacy	literacy	NOUN
fsr-3217	420	3	and	and	CCONJ
fsr-3217	420	4	the	the	DET
fsr-3217	420	5	cost	cost	NOUN
fsr-3217	420	6	of	of	ADP
fsr-3217	420	7	borrowing	borrowing	NOUN
fsr-3217	420	8	.	.	PUNCT
fsr-3217	421	1	international	international	ADJ
fsr-3217	421	2	journal	journal	PROPN
fsr-3217	421	3	of	of	ADP
fsr-3217	421	4	consumer	consumer	NOUN
fsr-3217	421	5	studies	study	NOUN
fsr-3217	421	6	,	,	PUNCT
fsr-3217	421	7	36	36	NUM
fsr-3217	421	8	,	,	PUNCT
fsr-3217	421	9	566–572	566–572	NUM
fsr-3217	421	10	.	.	PUNCT
fsr-3217	422	1	johnson	johnson	PROPN
fsr-3217	422	2	,	,	PUNCT
fsr-3217	422	3	e.	e.	PROPN
fsr-3217	422	4	,	,	PUNCT
fsr-3217	422	5	&	&	CCONJ
fsr-3217	422	6	sherraden	sherraden	NOUN
fsr-3217	422	7	,	,	PUNCT
fsr-3217	422	8	m.	m.	NOUN
fsr-3217	422	9	(	(	PUNCT
fsr-3217	422	10	2007	2007	NUM
fsr-3217	422	11	)	)	PUNCT
fsr-3217	422	12	.	.	PUNCT
fsr-3217	423	1	from	from	ADP
fsr-3217	423	2	financial	financial	ADJ
fsr-3217	423	3	literacy	literacy	NOUN
fsr-3217	423	4	to	to	ADP
fsr-3217	423	5	financial	financial	ADJ
fsr-3217	423	6	capability	capability	NOUN
fsr-3217	423	7	among	among	ADP
fsr-3217	423	8	youth	youth	NOUN
fsr-3217	423	9	.	.	PUNCT
fsr-3217	424	1	journal	journal	NOUN
fsr-3217	424	2	of	of	ADP
fsr-3217	424	3	social	social	ADJ
fsr-3217	424	4	welfare	welfare	NOUN
fsr-3217	424	5	,	,	PUNCT
fsr-3217	424	6	34	34	NUM
fsr-3217	424	7	,	,	PUNCT
fsr-3217	424	8	119–146	119–146	NUM
fsr-3217	424	9	.	.	PUNCT
fsr-3217	425	1	klapper	klapper	PROPN
fsr-3217	425	2	,	,	PUNCT
fsr-3217	425	3	l.	l.	PROPN
fsr-3217	425	4	,	,	PUNCT
fsr-3217	425	5	lusardi	lusardi	PROPN
fsr-3217	425	6	,	,	PUNCT
fsr-3217	425	7	a.	a.	NOUN
fsr-3217	425	8	,	,	PUNCT
fsr-3217	425	9	&	&	CCONJ
fsr-3217	425	10	panos	panos	PROPN
fsr-3217	425	11	,	,	PUNCT
fsr-3217	425	12	g.	g.	PROPN
fsr-3217	425	13	a.	a.	PROPN
fsr-3217	425	14	(	(	PUNCT
fsr-3217	425	15	2013	2013	NUM
fsr-3217	425	16	)	)	PUNCT
fsr-3217	425	17	.	.	PUNCT
fsr-3217	426	1	financial	financial	ADJ
fsr-3217	426	2	literacy	literacy	NOUN
fsr-3217	426	3	and	and	CCONJ
fsr-3217	426	4	its	its	PRON
fsr-3217	426	5	consequences	consequence	NOUN
fsr-3217	426	6	:	:	PUNCT
fsr-3217	426	7	evidence	evidence	NOUN
fsr-3217	426	8	from	from	ADP
fsr-3217	426	9	russia	russia	PROPN
fsr-3217	426	10	during	during	ADP
fsr-3217	426	11	financial	financial	ADJ
fsr-3217	426	12	crisis	crisis	NOUN
fsr-3217	426	13	.	.	PUNCT
fsr-3217	427	1	journal	journal	NOUN
fsr-3217	427	2	of	of	ADP
fsr-3217	427	3	banking	banking	NOUN
fsr-3217	427	4	&	&	CCONJ
fsr-3217	427	5	finance	finance	PROPN
fsr-3217	427	6	,	,	PUNCT
fsr-3217	427	7	37	37	NUM
fsr-3217	427	8	,	,	PUNCT
fsr-3217	427	9	3904–3923	3904–3923	NUM
fsr-3217	427	10	.	.	PUNCT
fsr-3217	428	1	kolb	kolb	PROPN
fsr-3217	428	2	,	,	PUNCT
fsr-3217	428	3	d.	d.	PROPN
fsr-3217	428	4	a.	a.	PROPN
fsr-3217	428	5	(	(	PUNCT
fsr-3217	428	6	1984	1984	NUM
fsr-3217	428	7	)	)	PUNCT
fsr-3217	428	8	.	.	PUNCT
fsr-3217	429	1	experiential	experiential	ADJ
fsr-3217	429	2	learning	learning	NOUN
fsr-3217	429	3	:	:	PUNCT
fsr-3217	429	4	experience	experience	NOUN
fsr-3217	429	5	as	as	ADP
fsr-3217	429	6	the	the	DET
fsr-3217	429	7	source	source	NOUN
fsr-3217	429	8	of	of	ADP
fsr-3217	429	9	learning	learning	NOUN
fsr-3217	429	10	and	and	CCONJ
fsr-3217	429	11	development	development	NOUN
fsr-3217	429	12	.	.	PUNCT
fsr-3217	430	1	englewood	englewood	PROPN
fsr-3217	430	2	cliffs	cliffs	PROPN
fsr-3217	430	3	,	,	PUNCT
fsr-3217	430	4	nj	nj	PROPN
fsr-3217	430	5	:	:	PUNCT
fsr-3217	430	6	prentice	prentice	NOUN
fsr-3217	430	7	-	-	PUNCT
fsr-3217	430	8	hall	hall	PROPN
fsr-3217	430	9	,	,	PUNCT
fsr-3217	430	10	inc	inc	PROPN
fsr-3217	430	11	.	.	PROPN
fsr-3217	430	12	lachance	lachance	PROPN
fsr-3217	430	13	,	,	PUNCT
fsr-3217	430	14	m.	m.	NOUN
fsr-3217	430	15	(	(	PUNCT
fsr-3217	430	16	2014	2014	NUM
fsr-3217	430	17	)	)	PUNCT
fsr-3217	430	18	.	.	PUNCT
fsr-3217	431	1	financial	financial	ADJ
fsr-3217	431	2	literacy	literacy	NOUN
fsr-3217	431	3	and	and	CCONJ
fsr-3217	431	4	neighborhood	neighborhood	NOUN
fsr-3217	431	5	effects	effect	NOUN
fsr-3217	431	6	.	.	PUNCT
fsr-3217	432	1	journal	journal	NOUN
fsr-3217	432	2	of	of	ADP
fsr-3217	432	3	consumer	consumer	NOUN
fsr-3217	432	4	affairs	affair	NOUN
fsr-3217	432	5	,	,	PUNCT
fsr-3217	432	6	48	48	NUM
fsr-3217	432	7	,	,	PUNCT
fsr-3217	432	8	251–273	251–273	NUM
fsr-3217	432	9	.	.	PUNCT
fsr-3217	433	1	lusardi	lusardi	PROPN
fsr-3217	433	2	,	,	PUNCT
fsr-3217	433	3	a.	a.	PROPN
fsr-3217	433	4	,	,	PUNCT
fsr-3217	433	5	&	&	CCONJ
fsr-3217	433	6	mitchell	mitchell	PROPN
fsr-3217	433	7	,	,	PUNCT
fsr-3217	433	8	o.	o.	PROPN
fsr-3217	433	9	s.	s.	PROPN
fsr-3217	433	10	(	(	PUNCT
fsr-3217	433	11	2007a	2007a	NUM
fsr-3217	433	12	)	)	PUNCT
fsr-3217	433	13	.	.	PUNCT
fsr-3217	434	1	baby	baby	NOUN
fsr-3217	434	2	boomers	boomer	NOUN
fsr-3217	434	3	retirement	retirement	PROPN
fsr-3217	434	4	security	security	NOUN
fsr-3217	434	5	:	:	PUNCT
fsr-3217	434	6	the	the	DET
fsr-3217	434	7	roles	role	NOUN
fsr-3217	434	8	of	of	ADP
fsr-3217	434	9	planning	planning	NOUN
fsr-3217	434	10	,	,	PUNCT
fsr-3217	434	11	financial	financial	ADJ
fsr-3217	434	12	literacy	literacy	NOUN
fsr-3217	434	13	,	,	PUNCT
fsr-3217	434	14	and	and	CCONJ
fsr-3217	434	15	housing	housing	NOUN
fsr-3217	434	16	wealth	wealth	NOUN
fsr-3217	434	17	.	.	PUNCT
fsr-3217	435	1	journal	journal	PROPN
fsr-3217	435	2	of	of	ADP
fsr-3217	435	3	monetary	monetary	ADJ
fsr-3217	435	4	economics	economic	NOUN
fsr-3217	435	5	,	,	PUNCT
fsr-3217	435	6	54	54	NUM
fsr-3217	435	7	,	,	PUNCT
fsr-3217	435	8	205–224	205–224	NUM
fsr-3217	435	9	.	.	PUNCT
fsr-3217	436	1	lusardi	lusardi	PROPN
fsr-3217	436	2	,	,	PUNCT
fsr-3217	436	3	a.	a.	PROPN
fsr-3217	436	4	,	,	PUNCT
fsr-3217	436	5	&	&	CCONJ
fsr-3217	436	6	mitchell	mitchell	PROPN
fsr-3217	436	7	,	,	PUNCT
fsr-3217	436	8	o.	o.	PROPN
fsr-3217	436	9	s.	s.	PROPN
fsr-3217	436	10	(	(	PUNCT
fsr-3217	436	11	2007b	2007b	NUM
fsr-3217	436	12	)	)	PUNCT
fsr-3217	436	13	.	.	PUNCT
fsr-3217	437	1	financial	financial	ADJ
fsr-3217	437	2	literacy	literacy	NOUN
fsr-3217	437	3	and	and	CCONJ
fsr-3217	437	4	retirement	retirement	NOUN
fsr-3217	437	5	preparedness	preparedness	NOUN
fsr-3217	437	6	:	:	PUNCT
fsr-3217	437	7	evidence	evidence	NOUN
fsr-3217	437	8	and	and	CCONJ
fsr-3217	437	9	implication	implication	NOUN
fsr-3217	437	10	for	for	ADP
fsr-3217	437	11	financial	financial	ADJ
fsr-3217	437	12	education	education	NOUN
fsr-3217	437	13	.	.	PUNCT
fsr-3217	438	1	business	business	NOUN
fsr-3217	438	2	economics	economic	NOUN
fsr-3217	438	3	,	,	PUNCT
fsr-3217	438	4	42	42	NUM
fsr-3217	438	5	,	,	PUNCT
fsr-3217	438	6	35–44	35–44	NUM
fsr-3217	438	7	.	.	PUNCT
fsr-3217	438	8	lusardi	lusardi	PROPN
fsr-3217	438	9	,	,	PUNCT
fsr-3217	438	10	a.	a.	PROPN
fsr-3217	438	11	,	,	PUNCT
fsr-3217	438	12	&	&	CCONJ
fsr-3217	438	13	mitchell	mitchell	PROPN
fsr-3217	438	14	,	,	PUNCT
fsr-3217	438	15	o.	o.	PROPN
fsr-3217	438	16	s.	s.	PROPN
fsr-3217	438	17	(	(	PUNCT
fsr-3217	438	18	2008	2008	NUM
fsr-3217	438	19	)	)	PUNCT
fsr-3217	438	20	.	.	PUNCT
fsr-3217	439	1	planning	planning	NOUN
fsr-3217	439	2	and	and	CCONJ
fsr-3217	439	3	financial	financial	ADJ
fsr-3217	439	4	literacy	literacy	NOUN
fsr-3217	439	5	:	:	PUNCT
fsr-3217	439	6	how	how	SCONJ
fsr-3217	439	7	do	do	AUX
fsr-3217	439	8	women	woman	NOUN
fsr-3217	439	9	fare	fare	VERB
fsr-3217	439	10	?	?	PUNCT
fsr-3217	440	1	american	american	PROPN
fsr-3217	440	2	economic	economic	PROPN
fsr-3217	440	3	review	review	PROPN
fsr-3217	440	4	:	:	PUNCT
fsr-3217	440	5	papers	paper	NOUN
fsr-3217	440	6	and	and	CCONJ
fsr-3217	440	7	proceedings	proceeding	NOUN
fsr-3217	440	8	,	,	PUNCT
fsr-3217	440	9	98	98	NUM
fsr-3217	440	10	,	,	PUNCT
fsr-3217	440	11	413–417	413–417	NUM
fsr-3217	440	12	.	.	PUNCT
fsr-3217	441	1	lusardi	lusardi	PROPN
fsr-3217	441	2	,	,	PUNCT
fsr-3217	441	3	a.	a.	PROPN
fsr-3217	441	4	,	,	PUNCT
fsr-3217	441	5	mitchell	mitchell	PROPN
fsr-3217	441	6	,	,	PUNCT
fsr-3217	441	7	o.	o.	PROPN
fsr-3217	441	8	s.	s.	PROPN
fsr-3217	441	9	,	,	PUNCT
fsr-3217	441	10	&	&	CCONJ
fsr-3217	441	11	curto	curto	PROPN
fsr-3217	441	12	,	,	PUNCT
fsr-3217	441	13	v.	v.	PROPN
fsr-3217	441	14	(	(	PUNCT
fsr-3217	441	15	2010	2010	NUM
fsr-3217	441	16	)	)	PUNCT
fsr-3217	441	17	.	.	PUNCT
fsr-3217	442	1	financial	financial	ADJ
fsr-3217	442	2	literacy	literacy	NOUN
fsr-3217	442	3	among	among	ADP
fsr-3217	442	4	the	the	DET
fsr-3217	442	5	young	young	ADJ
fsr-3217	442	6	.	.	PUNCT
fsr-3217	443	1	journal	journal	PROPN
fsr-3217	443	2	of	of	ADP
fsr-3217	443	3	consumer	consumer	NOUN
fsr-3217	443	4	affairs	affair	NOUN
fsr-3217	443	5	,	,	PUNCT
fsr-3217	443	6	44	44	NUM
fsr-3217	443	7	,	,	PUNCT
fsr-3217	443	8	358–380	358–380	NUM
fsr-3217	443	9	.	.	PUNCT
fsr-3217	444	1	lusardi	lusardi	PROPN
fsr-3217	444	2	,	,	PUNCT
fsr-3217	444	3	a.	a.	PROPN
fsr-3217	444	4	,	,	PUNCT
fsr-3217	444	5	&	&	CCONJ
fsr-3217	444	6	tufano	tufano	ADJ
fsr-3217	444	7	,	,	PUNCT
fsr-3217	444	8	p.	p.	NOUN
fsr-3217	444	9	(	(	PUNCT
fsr-3217	444	10	2009	2009	NUM
fsr-3217	444	11	)	)	PUNCT
fsr-3217	444	12	.	.	PUNCT
fsr-3217	445	1	debt	debt	NOUN
fsr-3217	445	2	literacy	literacy	NOUN
fsr-3217	445	3	,	,	PUNCT
fsr-3217	445	4	financial	financial	ADJ
fsr-3217	445	5	experiences	experience	NOUN
fsr-3217	445	6	,	,	PUNCT
fsr-3217	445	7	and	and	CCONJ
fsr-3217	445	8	overindebtedness	overindebtedness	NOUN
fsr-3217	445	9	.	.	PUNCT
fsr-3217	446	1	nber	nber	PROPN
fsr-3217	446	2	working	working	PROPN
fsr-3217	446	3	paper	paper	PROPN
fsr-3217	446	4	14808	14808	NUM
fsr-3217	446	5	,	,	PUNCT
fsr-3217	446	6	national	national	ADJ
fsr-3217	446	7	bureau	bureau	NOUN
fsr-3217	446	8	of	of	ADP
fsr-3217	446	9	economic	economic	ADJ
fsr-3217	446	10	research	research	PROPN
fsr-3217	446	11	,	,	PUNCT
fsr-3217	446	12	inc	inc	PROPN
fsr-3217	446	13	.	.	PROPN
fsr-3217	446	14	moore	moore	PROPN
fsr-3217	446	15	,	,	PUNCT
fsr-3217	446	16	d.	d.	PROPN
fsr-3217	446	17	(	(	PUNCT
fsr-3217	446	18	2003	2003	NUM
fsr-3217	446	19	)	)	PUNCT
fsr-3217	446	20	.	.	PUNCT
fsr-3217	447	1	survey	survey	NOUN
fsr-3217	447	2	of	of	ADP
fsr-3217	447	3	financial	financial	ADJ
fsr-3217	447	4	literacy	literacy	NOUN
fsr-3217	447	5	in	in	ADP
fsr-3217	447	6	washington	washington	PROPN
fsr-3217	447	7	state	state	PROPN
fsr-3217	447	8	:	:	PUNCT
fsr-3217	447	9	knowledge	knowledge	NOUN
fsr-3217	447	10	,	,	PUNCT
fsr-3217	447	11	behavior	behavior	NOUN
fsr-3217	447	12	,	,	PUNCT
fsr-3217	447	13	attitudes	attitude	NOUN
fsr-3217	447	14	and	and	CCONJ
fsr-3217	447	15	experiences	experience	NOUN
fsr-3217	447	16	.	.	PUNCT
fsr-3217	448	1	technical	technical	ADJ
fsr-3217	448	2	report	report	PROPN
fsr-3217	448	3	03–39	03–39	PROPN
fsr-3217	448	4	.	.	PUNCT
fsr-3217	449	1	social	social	ADJ
fsr-3217	449	2	and	and	CCONJ
fsr-3217	449	3	economic	economic	ADJ
fsr-3217	449	4	sciences	sciences	PROPN
fsr-3217	449	5	research	research	NOUN
fsr-3217	449	6	center	center	NOUN
fsr-3217	449	7	,	,	PUNCT
fsr-3217	449	8	washington	washington	PROPN
fsr-3217	449	9	state	state	PROPN
fsr-3217	449	10	university	university	PROPN
fsr-3217	449	11	.	.	PUNCT
fsr-3217	450	1	robb	robb	PROPN
fsr-3217	450	2	,	,	PUNCT
fsr-3217	450	3	c.	c.	PROPN
fsr-3217	450	4	a.	a.	PROPN
fsr-3217	450	5	,	,	PUNCT
fsr-3217	450	6	babiarz	babiarz	PROPN
fsr-3217	450	7	,	,	PUNCT
fsr-3217	450	8	p.	p.	NOUN
fsr-3217	450	9	,	,	PUNCT
fsr-3217	450	10	&	&	CCONJ
fsr-3217	450	11	woodyard	woodyard	PROPN
fsr-3217	450	12	,	,	PUNCT
fsr-3217	450	13	a.	a.	NOUN
fsr-3217	450	14	(	(	PUNCT
fsr-3217	450	15	2012	2012	NUM
fsr-3217	450	16	)	)	PUNCT
fsr-3217	450	17	.	.	PUNCT
fsr-3217	451	1	the	the	DET
fsr-3217	451	2	demand	demand	NOUN
fsr-3217	451	3	for	for	ADP
fsr-3217	451	4	financial	financial	ADJ
fsr-3217	451	5	professions	profession	NOUN
fsr-3217	451	6	’	'	PUNCT
fsr-3217	451	7	advice	advice	NOUN
fsr-3217	451	8	:	:	PUNCT
fsr-3217	451	9	the	the	DET
fsr-3217	451	10	role	role	NOUN
fsr-3217	451	11	of	of	ADP
fsr-3217	451	12	financial	financial	ADJ
fsr-3217	451	13	knowledge	knowledge	NOUN
fsr-3217	451	14	,	,	PUNCT
fsr-3217	451	15	satisfaction	satisfaction	NOUN
fsr-3217	451	16	,	,	PUNCT
fsr-3217	451	17	and	and	CCONJ
fsr-3217	451	18	confidence	confidence	NOUN
fsr-3217	451	19	,	,	PUNCT
fsr-3217	451	20	financial	financial	ADJ
fsr-3217	451	21	services	service	NOUN
fsr-3217	451	22	review	review	NOUN
fsr-3217	451	23	,	,	PUNCT
fsr-3217	451	24	21	21	NUM
fsr-3217	451	25	,	,	PUNCT
fsr-3217	451	26	291–305	291–305	NUM
fsr-3217	451	27	.	.	PUNCT
fsr-3217	451	28	tang	tang	PROPN
fsr-3217	451	29	,	,	PUNCT
fsr-3217	451	30	n.	n.	NOUN
fsr-3217	451	31	,	,	PUNCT
fsr-3217	451	32	&	&	CCONJ
fsr-3217	451	33	peter	peter	PROPN
fsr-3217	451	34	,	,	PUNCT
fsr-3217	451	35	p.	p.	PROPN
fsr-3217	451	36	c.	c.	PROPN
fsr-3217	451	37	(	(	PUNCT
fsr-3217	451	38	2015	2015	NUM
fsr-3217	451	39	)	)	PUNCT
fsr-3217	451	40	.	.	PUNCT
fsr-3217	452	1	financial	financial	ADJ
fsr-3217	452	2	knowledge	knowledge	NOUN
fsr-3217	452	3	acquisition	acquisition	NOUN
fsr-3217	452	4	among	among	ADP
fsr-3217	452	5	the	the	DET
fsr-3217	452	6	young	young	NOUN
fsr-3217	452	7	:	:	PUNCT
fsr-3217	452	8	the	the	DET
fsr-3217	452	9	role	role	NOUN
fsr-3217	452	10	of	of	ADP
fsr-3217	452	11	financial	financial	ADJ
fsr-3217	452	12	education	education	NOUN
fsr-3217	452	13	,	,	PUNCT
fsr-3217	452	14	financial	financial	ADJ
fsr-3217	452	15	experience	experience	NOUN
fsr-3217	452	16	,	,	PUNCT
fsr-3217	452	17	and	and	CCONJ
fsr-3217	452	18	parents	parent	NOUN
fsr-3217	452	19	’	’	PART
fsr-3217	452	20	financial	financial	ADJ
fsr-3217	452	21	experience	experience	NOUN
fsr-3217	452	22	.	.	PUNCT
fsr-3217	453	1	financial	financial	ADJ
fsr-3217	453	2	services	service	NOUN
fsr-3217	453	3	review	review	PROPN
fsr-3217	453	4	,	,	PUNCT
fsr-3217	453	5	24	24	NUM
fsr-3217	453	6	,	,	PUNCT
fsr-3217	453	7	119–137	119–137	NUM
fsr-3217	453	8	.	.	PUNCT
fsr-3217	454	1	van	van	PROPN
fsr-3217	454	2	rooij	rooij	NOUN
fsr-3217	454	3	,	,	PUNCT
fsr-3217	454	4	m.	m.	NOUN
fsr-3217	454	5	,	,	PUNCT
fsr-3217	454	6	lusardi	lusardi	PROPN
fsr-3217	454	7	,	,	PUNCT
fsr-3217	454	8	a.	a.	NOUN
fsr-3217	454	9	,	,	PUNCT
fsr-3217	454	10	&	&	CCONJ
fsr-3217	454	11	alessie	alessie	PROPN
fsr-3217	454	12	,	,	PUNCT
fsr-3217	454	13	r.	r.	PROPN
fsr-3217	454	14	(	(	PUNCT
fsr-3217	454	15	2011	2011	NUM
fsr-3217	454	16	)	)	PUNCT
fsr-3217	454	17	.	.	PUNCT
fsr-3217	455	1	financial	financial	ADJ
fsr-3217	455	2	literacy	literacy	NOUN
fsr-3217	455	3	and	and	CCONJ
fsr-3217	455	4	stock	stock	NOUN
fsr-3217	455	5	market	market	NOUN
fsr-3217	455	6	participation	participation	NOUN
fsr-3217	455	7	.	.	PUNCT
fsr-3217	456	1	journal	journal	NOUN
fsr-3217	456	2	of	of	ADP
fsr-3217	456	3	financial	financial	ADJ
fsr-3217	456	4	economics	economic	NOUN
fsr-3217	456	5	,	,	PUNCT
fsr-3217	456	6	101	101	NUM
fsr-3217	456	7	,	,	PUNCT
fsr-3217	456	8	449–472	449–472	NUM
fsr-3217	456	9	.	.	PUNCT
fsr-3217	457	1	walstad	walstad	PROPN
fsr-3217	457	2	,	,	PUNCT
fsr-3217	457	3	w.	w.	PROPN
fsr-3217	457	4	b.	b.	PROPN
fsr-3217	457	5	,	,	PUNCT
fsr-3217	457	6	rebeck	rebeck	PROPN
fsr-3217	457	7	,	,	PUNCT
fsr-3217	457	8	k.	k.	PROPN
fsr-3217	457	9	,	,	PUNCT
fsr-3217	457	10	&	&	CCONJ
fsr-3217	457	11	macdonald	macdonald	PROPN
fsr-3217	457	12	,	,	PUNCT
fsr-3217	457	13	r.	r.	PROPN
fsr-3217	457	14	a.	a.	PROPN
fsr-3217	457	15	(	(	PUNCT
fsr-3217	457	16	2010	2010	NUM
fsr-3217	457	17	)	)	PUNCT
fsr-3217	457	18	.	.	PUNCT
fsr-3217	458	1	the	the	DET
fsr-3217	458	2	effects	effect	NOUN
fsr-3217	458	3	of	of	ADP
fsr-3217	458	4	financial	financial	ADJ
fsr-3217	458	5	education	education	NOUN
fsr-3217	458	6	on	on	ADP
fsr-3217	458	7	the	the	DET
fsr-3217	458	8	financial	financial	ADJ
fsr-3217	458	9	knowledge	knowledge	NOUN
fsr-3217	458	10	of	of	ADP
fsr-3217	458	11	high	high	ADJ
fsr-3217	458	12	school	school	NOUN
fsr-3217	458	13	students	student	NOUN
fsr-3217	458	14	.	.	PUNCT
fsr-3217	459	1	journal	journal	NOUN
fsr-3217	459	2	of	of	ADP
fsr-3217	459	3	consumer	consumer	NOUN
fsr-3217	459	4	affairs	affair	NOUN
fsr-3217	459	5	,	,	PUNCT
fsr-3217	459	6	44	44	NUM
fsr-3217	459	7	,	,	PUNCT
fsr-3217	459	8	336–357	336–357	NUM
fsr-3217	459	9	.	.	PUNCT
fsr-3217	460	1	winchester	winchester	PROPN
fsr-3217	460	2	,	,	PUNCT
fsr-3217	460	3	d.	d.	PROPN
fsr-3217	460	4	d.	d.	PROPN
fsr-3217	460	5	,	,	PUNCT
fsr-3217	460	6	&	&	CCONJ
fsr-3217	460	7	huston	huston	PROPN
fsr-3217	460	8	,	,	PUNCT
fsr-3217	460	9	s.	s.	PROPN
fsr-3217	460	10	j.	j.	PROPN
fsr-3217	460	11	(	(	PUNCT
fsr-3217	460	12	2014	2014	NUM
fsr-3217	460	13	)	)	PUNCT
fsr-3217	460	14	.	.	PUNCT
fsr-3217	461	1	does	do	AUX
fsr-3217	461	2	a	a	DET
fsr-3217	461	3	relationship	relationship	NOUN
fsr-3217	461	4	with	with	ADP
fsr-3217	461	5	financial	financial	ADJ
fsr-3217	461	6	service	service	NOUN
fsr-3217	461	7	professional	professional	NOUN
fsr-3217	461	8	overcome	overcome	VERB
fsr-3217	461	9	a	a	DET
fsr-3217	461	10	client	client	NOUN
fsr-3217	461	11	’s	’s	PART
fsr-3217	461	12	sense	sense	NOUN
fsr-3217	461	13	of	of	ADP
fsr-3217	461	14	not	not	PART
fsr-3217	461	15	being	be	AUX
fsr-3217	461	16	in	in	ADP
fsr-3217	461	17	control	control	NOUN
fsr-3217	461	18	of	of	ADP
fsr-3217	461	19	achieving	achieve	VERB
fsr-3217	461	20	their	their	PRON
fsr-3217	461	21	goals	goal	NOUN
fsr-3217	461	22	?	?	PUNCT
fsr-3217	462	1	financial	financial	ADJ
fsr-3217	462	2	services	service	NOUN
fsr-3217	462	3	review	review	PROPN
fsr-3217	462	4	,	,	PUNCT
fsr-3217	462	5	23	23	NUM
fsr-3217	462	6	,	,	PUNCT
fsr-3217	462	7	1–23	1–23	PROPN
fsr-3217	462	8	.	.	PUNCT
fsr-3217	463	1	155b	155b	PROPN
fsr-3217	463	2	.	.	PUNCT
fsr-3217	464	1	balasubramnian	balasubramnian	PROPN
fsr-3217	464	2	,	,	PUNCT
fsr-3217	464	3	e.r	e.r	PROPN
fsr-3217	464	4	.	.	NOUN
fsr-3217	464	5	brisker	brisk	ADJ
fsr-3217	464	6	/	/	SYM
fsr-3217	464	7	financial	financial	ADJ
fsr-3217	464	8	services	service	NOUN
fsr-3217	464	9	review	review	VERB
fsr-3217	464	10	25	25	NUM
fsr-3217	464	11	(	(	PUNCT
fsr-3217	464	12	2016	2016	NUM
fsr-3217	464	13	)	)	PUNCT
fsr-3217	464	14	127–155	127–155	NUM