id	sid	tid	token	lemma	pos
fsr-3222	1	1	strategic	strategic	ADJ
fsr-3222	1	2	complexity	complexity	NOUN
fsr-3222	1	3	in	in	ADP
fsr-3222	1	4	investment	investment	NOUN
fsr-3222	1	5	management	management	NOUN
fsr-3222	1	6	fee	fee	NOUN
fsr-3222	1	7	disclosures	disclosure	NOUN
fsr-3222	1	8	leslie	leslie	PROPN
fsr-3222	1	9	a.	a.	PROPN
fsr-3222	1	10	muller	muller	PROPN
fsr-3222	1	11	,	,	PUNCT
fsr-3222	1	12	ph.d.a	ph.d.a	PROPN
fsr-3222	1	13	,	,	PUNCT
fsr-3222	1	14	*	*	PUNCT
fsr-3222	1	15	,	,	PUNCT
fsr-3222	1	16	john	john	PROPN
fsr-3222	1	17	a.	a.	PROPN
fsr-3222	1	18	turner	turner	PROPN
fsr-3222	1	19	,	,	PUNCT
fsr-3222	1	20	ph.d.b	ph.d.b	NOUN
fsr-3222	1	21	aassistant	aassistant	NOUN
fsr-3222	1	22	professor	professor	NOUN
fsr-3222	1	23	of	of	ADP
fsr-3222	1	24	economics	economic	NOUN
fsr-3222	1	25	,	,	PUNCT
fsr-3222	1	26	grand	grand	ADJ
fsr-3222	1	27	valley	valley	PROPN
fsr-3222	1	28	state	state	PROPN
fsr-3222	1	29	university	university	PROPN
fsr-3222	1	30	,	,	PUNCT
fsr-3222	1	31	50	50	NUM
fsr-3222	1	32	front	front	ADJ
fsr-3222	1	33	street	street	NOUN
fsr-3222	1	34	sw	sw	PROPN
fsr-3222	1	35	,	,	PUNCT
fsr-3222	1	36	grand	grand	PROPN
fsr-3222	1	37	rapids	rapids	PROPN
fsr-3222	1	38	,	,	PUNCT
fsr-3222	1	39	mi	mi	PROPN
fsr-3222	1	40	49504	49504	NUM
fsr-3222	1	41	,	,	PUNCT
fsr-3222	1	42	usa	usa	PROPN
fsr-3222	1	43	bpension	bpension	NOUN
fsr-3222	1	44	policy	policy	NOUN
fsr-3222	1	45	center	center	NOUN
fsr-3222	1	46	,	,	PUNCT
fsr-3222	1	47	3713	3713	NUM
fsr-3222	1	48	chesapeake	chesapeake	PROPN
fsr-3222	1	49	st	st	PROPN
fsr-3222	1	50	.	.	PROPN
fsr-3222	1	51	nw	nw	PROPN
fsr-3222	1	52	,	,	PUNCT
fsr-3222	1	53	washington	washington	PROPN
fsr-3222	1	54	,	,	PUNCT
fsr-3222	1	55	dc	dc	PROPN
fsr-3222	1	56	20016	20016	NUM
fsr-3222	1	57	,	,	PUNCT
fsr-3222	1	58	usa	usa	PROPN
fsr-3222	1	59	abstract	abstract	PROPN
fsr-3222	1	60	this	this	DET
fsr-3222	1	61	article	article	NOUN
fsr-3222	1	62	develops	develop	VERB
fsr-3222	1	63	a	a	DET
fsr-3222	1	64	measure	measure	NOUN
fsr-3222	1	65	of	of	ADP
fsr-3222	1	66	complexity	complexity	NOUN
fsr-3222	1	67	of	of	ADP
fsr-3222	1	68	fee	fee	NOUN
fsr-3222	1	69	disclosures	disclosure	NOUN
fsr-3222	1	70	,	,	PUNCT
fsr-3222	1	71	based	base	VERB
fsr-3222	1	72	on	on	ADP
fsr-3222	1	73	previous	previous	ADJ
fsr-3222	1	74	work	work	NOUN
fsr-3222	1	75	assessing	assess	VERB
fsr-3222	1	76	the	the	DET
fsr-3222	1	77	grade	grade	NOUN
fsr-3222	1	78	level	level	NOUN
fsr-3222	1	79	of	of	ADP
fsr-3222	1	80	language	language	NOUN
fsr-3222	1	81	,	,	PUNCT
fsr-3222	1	82	and	and	CCONJ
fsr-3222	1	83	validates	validate	VERB
fsr-3222	1	84	that	that	DET
fsr-3222	1	85	measure	measure	NOUN
fsr-3222	1	86	through	through	ADP
fsr-3222	1	87	a	a	DET
fsr-3222	1	88	survey	survey	NOUN
fsr-3222	1	89	where	where	SCONJ
fsr-3222	1	90	students	student	NOUN
fsr-3222	1	91	are	be	AUX
fsr-3222	1	92	asked	ask	VERB
fsr-3222	1	93	to	to	PART
fsr-3222	1	94	independently	independently	ADV
fsr-3222	1	95	rate	rate	VERB
fsr-3222	1	96	the	the	DET
fsr-3222	1	97	complexity	complexity	NOUN
fsr-3222	1	98	of	of	ADP
fsr-3222	1	99	fee	fee	NOUN
fsr-3222	1	100	disclosures	disclosure	NOUN
fsr-3222	1	101	.	.	PUNCT
fsr-3222	2	1	in	in	ADP
fsr-3222	2	2	addition	addition	NOUN
fsr-3222	2	3	,	,	PUNCT
fsr-3222	2	4	the	the	DET
fsr-3222	2	5	article	article	NOUN
fsr-3222	2	6	hypothesizes	hypothesize	VERB
fsr-3222	2	7	that	that	DET
fsr-3222	2	8	high	high	ADJ
fsr-3222	2	9	fee	fee	NOUN
fsr-3222	2	10	providers	provider	NOUN
fsr-3222	2	11	are	be	AUX
fsr-3222	2	12	more	more	ADV
fsr-3222	2	13	likely	likely	ADJ
fsr-3222	2	14	to	to	PART
fsr-3222	2	15	engage	engage	VERB
fsr-3222	2	16	in	in	ADP
fsr-3222	2	17	strategic	strategic	ADJ
fsr-3222	2	18	complexity	complexity	NOUN
fsr-3222	2	19	in	in	ADP
fsr-3222	2	20	fee	fee	NOUN
fsr-3222	2	21	disclosures	disclosure	NOUN
fsr-3222	2	22	than	than	SCONJ
fsr-3222	2	23	are	be	AUX
fsr-3222	2	24	low	low	ADJ
fsr-3222	2	25	fee	fee	NOUN
fsr-3222	2	26	providers	provider	NOUN
fsr-3222	2	27	.	.	PUNCT
fsr-3222	3	1	we	we	PRON
fsr-3222	3	2	hypothesize	hypothesize	VERB
fsr-3222	3	3	that	that	SCONJ
fsr-3222	3	4	high	high	ADJ
fsr-3222	3	5	fee	fee	NOUN
fsr-3222	3	6	providers	provider	NOUN
fsr-3222	3	7	use	use	VERB
fsr-3222	3	8	strategic	strategic	ADJ
fsr-3222	3	9	complexity	complexity	NOUN
fsr-3222	3	10	to	to	PART
fsr-3222	3	11	take	take	VERB
fsr-3222	3	12	advantage	advantage	NOUN
fsr-3222	3	13	of	of	ADP
fsr-3222	3	14	the	the	DET
fsr-3222	3	15	lack	lack	NOUN
fsr-3222	3	16	of	of	ADP
fsr-3222	3	17	financial	financial	ADJ
fsr-3222	3	18	sophistication	sophistication	NOUN
fsr-3222	3	19	of	of	ADP
fsr-3222	3	20	many	many	ADJ
fsr-3222	3	21	people	people	NOUN
fsr-3222	3	22	,	,	PUNCT
fsr-3222	3	23	making	make	VERB
fsr-3222	3	24	it	it	PRON
fsr-3222	3	25	difficult	difficult	ADJ
fsr-3222	3	26	for	for	SCONJ
fsr-3222	3	27	them	they	PRON
fsr-3222	3	28	to	to	PART
fsr-3222	3	29	compare	compare	VERB
fsr-3222	3	30	fees	fee	NOUN
fsr-3222	3	31	across	across	ADP
fsr-3222	3	32	service	service	NOUN
fsr-3222	3	33	providers	provider	NOUN
fsr-3222	3	34	and	and	CCONJ
fsr-3222	3	35	to	to	PART
fsr-3222	3	36	understand	understand	VERB
fsr-3222	3	37	the	the	DET
fsr-3222	3	38	level	level	NOUN
fsr-3222	3	39	of	of	ADP
fsr-3222	3	40	fees	fee	NOUN
fsr-3222	3	41	they	they	PRON
fsr-3222	3	42	are	be	AUX
fsr-3222	3	43	paying	pay	VERB
fsr-3222	3	44	.	.	PUNCT
fsr-3222	4	1	©	©	PROPN
fsr-3222	4	2	2016	2016	NUM
fsr-3222	4	3	academy	academy	NOUN
fsr-3222	4	4	of	of	ADP
fsr-3222	4	5	financial	financial	ADJ
fsr-3222	4	6	services	service	NOUN
fsr-3222	4	7	.	.	PUNCT
fsr-3222	5	1	all	all	DET
fsr-3222	5	2	rights	right	NOUN
fsr-3222	5	3	reserved	reserve	VERB
fsr-3222	5	4	.	.	PUNCT
fsr-3222	6	1	jel	jel	PROPN
fsr-3222	6	2	classification	classification	NOUN
fsr-3222	6	3	:	:	PUNCT
fsr-3222	6	4	g02	g02	NOUN
fsr-3222	6	5	;	;	PUNCT
fsr-3222	6	6	g2	g2	PROPN
fsr-3222	6	7	keywords	keyword	NOUN
fsr-3222	6	8	:	:	PUNCT
fsr-3222	6	9	fees	fee	NOUN
fsr-3222	6	10	;	;	PUNCT
fsr-3222	6	11	complexity	complexity	NOUN
fsr-3222	6	12	;	;	PUNCT
fsr-3222	6	13	financial	financial	ADJ
fsr-3222	6	14	literacy	literacy	NOUN
fsr-3222	6	15	;	;	PUNCT
fsr-3222	6	16	disclosures	disclosure	NOUN
fsr-3222	6	17	1	1	NUM
fsr-3222	6	18	.	.	PUNCT
fsr-3222	6	19	introduction	introduction	NOUN
fsr-3222	6	20	while	while	SCONJ
fsr-3222	6	21	much	much	ADJ
fsr-3222	6	22	attention	attention	NOUN
fsr-3222	6	23	has	have	AUX
fsr-3222	6	24	been	be	AUX
fsr-3222	6	25	given	give	VERB
fsr-3222	6	26	to	to	ADP
fsr-3222	6	27	financial	financial	ADJ
fsr-3222	6	28	education	education	NOUN
fsr-3222	6	29	for	for	ADP
fsr-3222	6	30	pension	pension	NOUN
fsr-3222	6	31	participants	participant	NOUN
fsr-3222	6	32	and	and	CCONJ
fsr-3222	6	33	their	their	PRON
fsr-3222	6	34	lack	lack	NOUN
fsr-3222	6	35	of	of	ADP
fsr-3222	6	36	financial	financial	ADJ
fsr-3222	6	37	sophistication	sophistication	NOUN
fsr-3222	6	38	(	(	PUNCT
fsr-3222	6	39	e.g.	e.g.	ADV
fsr-3222	6	40	,	,	PUNCT
fsr-3222	6	41	lusardi	lusardi	NOUN
fsr-3222	6	42	and	and	CCONJ
fsr-3222	6	43	mitchell	mitchell	PROPN
fsr-3222	6	44	,	,	PUNCT
fsr-3222	6	45	2007	2007	NUM
fsr-3222	6	46	;	;	PUNCT
fsr-3222	6	47	mccarthy	mccarthy	PROPN
fsr-3222	6	48	and	and	CCONJ
fsr-3222	6	49	turner	turner	NOUN
fsr-3222	6	50	,	,	PUNCT
fsr-3222	6	51	2000	2000	NUM
fsr-3222	6	52	)	)	PUNCT
fsr-3222	6	53	,	,	PUNCT
fsr-3222	6	54	less	less	ADJ
fsr-3222	6	55	attention	attention	NOUN
fsr-3222	6	56	has	have	AUX
fsr-3222	6	57	been	be	AUX
fsr-3222	6	58	given	give	VERB
fsr-3222	6	59	to	to	ADP
fsr-3222	6	60	the	the	DET
fsr-3222	6	61	quality	quality	NOUN
fsr-3222	6	62	of	of	ADP
fsr-3222	6	63	information	information	NOUN
fsr-3222	6	64	they	they	PRON
fsr-3222	6	65	receive	receive	VERB
fsr-3222	6	66	from	from	ADP
fsr-3222	6	67	financial	financial	ADJ
fsr-3222	6	68	service	service	NOUN
fsr-3222	6	69	providers	provider	NOUN
fsr-3222	6	70	.	.	PUNCT
fsr-3222	7	1	efforts	effort	NOUN
fsr-3222	7	2	by	by	ADP
fsr-3222	7	3	pension	pension	NOUN
fsr-3222	7	4	participants	participant	NOUN
fsr-3222	7	5	and	and	CCONJ
fsr-3222	7	6	other	other	ADJ
fsr-3222	7	7	investors	investor	NOUN
fsr-3222	7	8	to	to	PART
fsr-3222	7	9	learn	learn	VERB
fsr-3222	7	10	about	about	ADP
fsr-3222	7	11	financial	financial	ADJ
fsr-3222	7	12	market	market	NOUN
fsr-3222	7	13	products	product	NOUN
fsr-3222	7	14	and	and	CCONJ
fsr-3222	7	15	services	service	NOUN
fsr-3222	7	16	may	may	AUX
fsr-3222	7	17	be	be	AUX
fsr-3222	7	18	offset	offset	VERB
fsr-3222	7	19	by	by	ADP
fsr-3222	7	20	efforts	effort	NOUN
fsr-3222	7	21	by	by	ADP
fsr-3222	7	22	financial	financial	ADJ
fsr-3222	7	23	*	*	PUNCT
fsr-3222	7	24	corresponding	correspond	VERB
fsr-3222	7	25	author	author	NOUN
fsr-3222	7	26	.	.	PUNCT
fsr-3222	8	1	tel	tel	PROPN
fsr-3222	8	2	.	.	PUNCT
fsr-3222	8	3	:	:	PUNCT
fsr-3222	9	1	�	�	PROPN
fsr-3222	9	2	1	1	NUM
fsr-3222	9	3	-	-	SYM
fsr-3222	9	4	616	616	NUM
fsr-3222	9	5	-	-	PUNCT
fsr-3222	9	6	331	331	NUM
fsr-3222	9	7	-	-	PUNCT
fsr-3222	9	8	7473	7473	NUM
fsr-3222	9	9	;	;	PUNCT
fsr-3222	9	10	fax	fax	NOUN
fsr-3222	9	11	:	:	PUNCT
fsr-3222	9	12	�	�	PROPN
fsr-3222	9	13	1	1	NUM
fsr-3222	9	14	-	-	SYM
fsr-3222	9	15	616	616	NUM
fsr-3222	9	16	-	-	PUNCT
fsr-3222	9	17	331	331	NUM
fsr-3222	9	18	-	-	PUNCT
fsr-3222	9	19	7421	7421	NUM
fsr-3222	9	20	.	.	PUNCT
fsr-3222	10	1	e	e	X
fsr-3222	10	2	-	-	NOUN
fsr-3222	10	3	mail	mail	NOUN
fsr-3222	10	4	address	address	NOUN
fsr-3222	10	5	:	:	PUNCT
fsr-3222	10	6	mullerle@gvsu.edu	mullerle@gvsu.edu	PROPN
fsr-3222	10	7	(	(	PUNCT
fsr-3222	10	8	l.	l.	PROPN
fsr-3222	10	9	a.	a.	PROPN
fsr-3222	10	10	muller	muller	PROPN
fsr-3222	10	11	)	)	PUNCT
fsr-3222	10	12	financial	financial	ADJ
fsr-3222	10	13	services	service	NOUN
fsr-3222	10	14	review	review	VERB
fsr-3222	10	15	25	25	NUM
fsr-3222	10	16	(	(	PUNCT
fsr-3222	10	17	2016	2016	NUM
fsr-3222	10	18	)	)	PUNCT
fsr-3222	10	19	215–234	215–234	NUM
fsr-3222	10	20	1057	1057	NUM
fsr-3222	10	21	-	-	SYM
fsr-3222	10	22	0810/16/$	0810/16/$	ADV
fsr-3222	10	23	–	–	PUNCT
fsr-3222	10	24	see	see	VERB
fsr-3222	10	25	front	front	ADJ
fsr-3222	10	26	matter	matter	NOUN
fsr-3222	10	27	©	©	PROPN
fsr-3222	10	28	2016	2016	NUM
fsr-3222	10	29	academy	academy	NOUN
fsr-3222	10	30	of	of	ADP
fsr-3222	10	31	financial	financial	ADJ
fsr-3222	10	32	services	service	NOUN
fsr-3222	10	33	.	.	PUNCT
fsr-3222	11	1	all	all	DET
fsr-3222	11	2	rights	right	NOUN
fsr-3222	11	3	reserved	reserve	VERB
fsr-3222	11	4	.	.	PUNCT
fsr-3222	12	1	service	service	NOUN
fsr-3222	12	2	providers	provider	NOUN
fsr-3222	12	3	to	to	PART
fsr-3222	12	4	obfuscate	obfuscate	VERB
fsr-3222	12	5	through	through	ADP
fsr-3222	12	6	complexity	complexity	NOUN
fsr-3222	12	7	in	in	ADP
fsr-3222	12	8	fee	fee	NOUN
fsr-3222	12	9	structures	structure	NOUN
fsr-3222	12	10	and	and	CCONJ
fsr-3222	12	11	in	in	ADP
fsr-3222	12	12	financial	financial	ADJ
fsr-3222	12	13	disclosures	disclosure	NOUN
fsr-3222	12	14	concerning	concern	VERB
fsr-3222	12	15	fees	fee	NOUN
fsr-3222	12	16	.	.	PUNCT
fsr-3222	13	1	while	while	SCONJ
fsr-3222	13	2	transparency	transparency	NOUN
fsr-3222	13	3	is	be	AUX
fsr-3222	13	4	widely	widely	ADV
fsr-3222	13	5	viewed	view	VERB
fsr-3222	13	6	as	as	ADP
fsr-3222	13	7	desirable	desirable	ADJ
fsr-3222	13	8	in	in	ADP
fsr-3222	13	9	financial	financial	ADJ
fsr-3222	13	10	disclosures	disclosure	NOUN
fsr-3222	13	11	and	and	CCONJ
fsr-3222	13	12	in	in	ADP
fsr-3222	13	13	the	the	DET
fsr-3222	13	14	features	feature	NOUN
fsr-3222	13	15	of	of	ADP
fsr-3222	13	16	financial	financial	ADJ
fsr-3222	13	17	products	product	NOUN
fsr-3222	13	18	,	,	PUNCT
fsr-3222	13	19	to	to	PART
fsr-3222	13	20	take	take	VERB
fsr-3222	13	21	advantage	advantage	NOUN
fsr-3222	13	22	of	of	ADP
fsr-3222	13	23	the	the	DET
fsr-3222	13	24	lack	lack	NOUN
fsr-3222	13	25	of	of	ADP
fsr-3222	13	26	financial	financial	ADJ
fsr-3222	13	27	sophistication	sophistication	NOUN
fsr-3222	13	28	of	of	ADP
fsr-3222	13	29	their	their	PRON
fsr-3222	13	30	clients	client	NOUN
fsr-3222	13	31	,	,	PUNCT
fsr-3222	13	32	some	some	DET
fsr-3222	13	33	advisers	adviser	NOUN
fsr-3222	13	34	may	may	AUX
fsr-3222	13	35	engage	engage	VERB
fsr-3222	13	36	in	in	ADP
fsr-3222	13	37	strategic	strategic	ADJ
fsr-3222	13	38	complexity	complexity	NOUN
fsr-3222	13	39	.	.	PUNCT
fsr-3222	14	1	with	with	ADP
fsr-3222	14	2	strategic	strategic	ADJ
fsr-3222	14	3	complexity	complexity	NOUN
fsr-3222	14	4	,	,	PUNCT
fsr-3222	14	5	they	they	PRON
fsr-3222	14	6	structure	structure	VERB
fsr-3222	14	7	their	their	PRON
fsr-3222	14	8	fees	fee	NOUN
fsr-3222	14	9	and	and	CCONJ
fsr-3222	14	10	fee	fee	NOUN
fsr-3222	14	11	disclosures	disclosure	NOUN
fsr-3222	14	12	in	in	ADP
fsr-3222	14	13	complex	complex	ADJ
fsr-3222	14	14	ways	way	NOUN
fsr-3222	14	15	.	.	PUNCT
fsr-3222	15	1	for	for	ADP
fsr-3222	15	2	example	example	NOUN
fsr-3222	15	3	,	,	PUNCT
fsr-3222	15	4	they	they	PRON
fsr-3222	15	5	may	may	AUX
fsr-3222	15	6	disclose	disclose	VERB
fsr-3222	15	7	important	important	ADJ
fsr-3222	15	8	information	information	NOUN
fsr-3222	15	9	in	in	ADP
fsr-3222	15	10	footnotes	footnote	NOUN
fsr-3222	15	11	or	or	CCONJ
fsr-3222	15	12	use	use	VERB
fsr-3222	15	13	terminology	terminology	NOUN
fsr-3222	15	14	that	that	PRON
fsr-3222	15	15	is	be	AUX
fsr-3222	15	16	not	not	PART
fsr-3222	15	17	commonly	commonly	ADV
fsr-3222	15	18	understood	understand	VERB
fsr-3222	15	19	by	by	ADP
fsr-3222	15	20	pension	pension	NOUN
fsr-3222	15	21	participants	participant	NOUN
fsr-3222	15	22	.	.	PUNCT
fsr-3222	16	1	abeler	abeler	NOUN
fsr-3222	16	2	and	and	CCONJ
fsr-3222	16	3	jäger	jäger	PROPN
fsr-3222	16	4	(	(	PUNCT
fsr-3222	16	5	2015	2015	NUM
fsr-3222	16	6	)	)	PUNCT
fsr-3222	16	7	comment	comment	NOUN
fsr-3222	16	8	that	that	SCONJ
fsr-3222	16	9	there	there	PRON
fsr-3222	16	10	is	be	VERB
fsr-3222	16	11	growing	grow	VERB
fsr-3222	16	12	evidence	evidence	NOUN
fsr-3222	16	13	that	that	SCONJ
fsr-3222	16	14	people	people	NOUN
fsr-3222	16	15	often	often	ADV
fsr-3222	16	16	do	do	AUX
fsr-3222	16	17	not	not	PART
fsr-3222	16	18	respond	respond	VERB
fsr-3222	16	19	optimally	optimally	ADV
fsr-3222	16	20	when	when	SCONJ
fsr-3222	16	21	they	they	PRON
fsr-3222	16	22	are	be	AUX
fsr-3222	16	23	faced	face	VERB
fsr-3222	16	24	with	with	ADP
fsr-3222	16	25	complex	complex	ADJ
fsr-3222	16	26	financial	financial	ADJ
fsr-3222	16	27	information	information	NOUN
fsr-3222	16	28	.	.	PUNCT
fsr-3222	17	1	complexity	complexity	NOUN
fsr-3222	17	2	is	be	AUX
fsr-3222	17	3	a	a	DET
fsr-3222	17	4	multidimensional	multidimensional	ADJ
fsr-3222	17	5	strategy	strategy	NOUN
fsr-3222	17	6	that	that	PRON
fsr-3222	17	7	we	we	PRON
fsr-3222	17	8	hypothesize	hypothesize	VERB
fsr-3222	17	9	is	be	AUX
fsr-3222	17	10	used	use	VERB
fsr-3222	17	11	by	by	ADP
fsr-3222	17	12	some	some	DET
fsr-3222	17	13	investment	investment	NOUN
fsr-3222	17	14	management	management	NOUN
fsr-3222	17	15	or	or	CCONJ
fsr-3222	17	16	advisory	advisory	ADJ
fsr-3222	17	17	companies	company	NOUN
fsr-3222	17	18	to	to	PART
fsr-3222	17	19	make	make	VERB
fsr-3222	17	20	it	it	PRON
fsr-3222	17	21	difficult	difficult	ADJ
fsr-3222	17	22	to	to	PART
fsr-3222	17	23	compare	compare	VERB
fsr-3222	17	24	advisory	advisory	ADJ
fsr-3222	17	25	services	service	NOUN
fsr-3222	17	26	on	on	ADP
fsr-3222	17	27	the	the	DET
fsr-3222	17	28	basis	basis	NOUN
fsr-3222	17	29	of	of	ADP
fsr-3222	17	30	fees	fee	NOUN
fsr-3222	17	31	,	,	PUNCT
fsr-3222	17	32	and	and	CCONJ
fsr-3222	17	33	to	to	PART
fsr-3222	17	34	determine	determine	VERB
fsr-3222	17	35	what	what	DET
fsr-3222	17	36	level	level	NOUN
fsr-3222	17	37	of	of	ADP
fsr-3222	17	38	fees	fee	NOUN
fsr-3222	17	39	a	a	DET
fsr-3222	17	40	prospective	prospective	ADJ
fsr-3222	17	41	investor	investor	NOUN
fsr-3222	17	42	would	would	AUX
fsr-3222	17	43	be	be	AUX
fsr-3222	17	44	paying	pay	VERB
fsr-3222	17	45	.	.	PUNCT
fsr-3222	18	1	the	the	DET
fsr-3222	18	2	strategy	strategy	NOUN
fsr-3222	18	3	takes	take	VERB
fsr-3222	18	4	advantage	advantage	NOUN
fsr-3222	18	5	of	of	ADP
fsr-3222	18	6	the	the	DET
fsr-3222	18	7	lack	lack	NOUN
fsr-3222	18	8	of	of	ADP
fsr-3222	18	9	financial	financial	ADJ
fsr-3222	18	10	sophistication	sophistication	NOUN
fsr-3222	18	11	of	of	ADP
fsr-3222	18	12	many	many	ADJ
fsr-3222	18	13	investors	investor	NOUN
fsr-3222	18	14	,	,	PUNCT
fsr-3222	18	15	but	but	CCONJ
fsr-3222	18	16	in	in	ADP
fsr-3222	18	17	some	some	DET
fsr-3222	18	18	instances	instance	NOUN
fsr-3222	18	19	even	even	ADV
fsr-3222	18	20	sophisticated	sophisticated	ADJ
fsr-3222	18	21	investors	investor	NOUN
fsr-3222	18	22	may	may	AUX
fsr-3222	18	23	not	not	PART
fsr-3222	18	24	be	be	AUX
fsr-3222	18	25	able	able	ADJ
fsr-3222	18	26	to	to	PART
fsr-3222	18	27	make	make	VERB
fsr-3222	18	28	comparisons	comparison	NOUN
fsr-3222	18	29	or	or	CCONJ
fsr-3222	18	30	obtain	obtain	VERB
fsr-3222	18	31	accurate	accurate	ADJ
fsr-3222	18	32	fee	fee	NOUN
fsr-3222	18	33	information	information	NOUN
fsr-3222	18	34	based	base	VERB
fsr-3222	18	35	on	on	ADP
fsr-3222	18	36	the	the	DET
fsr-3222	18	37	disclosures	disclosure	NOUN
fsr-3222	18	38	provided	provide	VERB
fsr-3222	18	39	on	on	ADP
fsr-3222	18	40	the	the	DET
fsr-3222	18	41	internet	internet	NOUN
fsr-3222	18	42	.	.	PUNCT
fsr-3222	19	1	“	"	PUNCT
fsr-3222	19	2	financial	financial	ADJ
fsr-3222	19	3	sophistication	sophistication	NOUN
fsr-3222	19	4	”	"	PUNCT
fsr-3222	19	5	can	can	AUX
fsr-3222	19	6	come	come	VERB
fsr-3222	19	7	about	about	ADP
fsr-3222	19	8	through	through	ADP
fsr-3222	19	9	taking	take	VERB
fsr-3222	19	10	specific	specific	ADJ
fsr-3222	19	11	courses	course	NOUN
fsr-3222	19	12	(	(	PUNCT
fsr-3222	19	13	e.g.	e.g.	ADV
fsr-3222	19	14	,	,	PUNCT
fsr-3222	19	15	finance	finance	NOUN
fsr-3222	19	16	class	class	NOUN
fsr-3222	19	17	in	in	ADP
fsr-3222	19	18	college	college	NOUN
fsr-3222	19	19	)	)	PUNCT
fsr-3222	19	20	,	,	PUNCT
fsr-3222	19	21	life	life	NOUN
fsr-3222	19	22	experience	experience	NOUN
fsr-3222	19	23	in	in	ADP
fsr-3222	19	24	making	make	VERB
fsr-3222	19	25	financial	financial	ADJ
fsr-3222	19	26	choices	choice	NOUN
fsr-3222	19	27	,	,	PUNCT
fsr-3222	19	28	and/or	and/or	CCONJ
fsr-3222	19	29	working	work	VERB
fsr-3222	19	30	in	in	ADP
fsr-3222	19	31	a	a	DET
fsr-3222	19	32	position	position	NOUN
fsr-3222	19	33	that	that	PRON
fsr-3222	19	34	requires	require	VERB
fsr-3222	19	35	financial	financial	ADJ
fsr-3222	19	36	decision	decision	NOUN
fsr-3222	19	37	-	-	PUNCT
fsr-3222	19	38	making	making	NOUN
fsr-3222	19	39	.	.	PUNCT
fsr-3222	20	1	strategic	strategic	ADJ
fsr-3222	20	2	complexity	complexity	NOUN
fsr-3222	20	3	presumably	presumably	ADV
fsr-3222	20	4	reduces	reduce	VERB
fsr-3222	20	5	competition	competition	NOUN
fsr-3222	20	6	based	base	VERB
fsr-3222	20	7	on	on	ADP
fsr-3222	20	8	fees	fee	NOUN
fsr-3222	20	9	in	in	ADP
fsr-3222	20	10	the	the	DET
fsr-3222	20	11	market	market	NOUN
fsr-3222	20	12	for	for	ADP
fsr-3222	20	13	advisory	advisory	ADJ
fsr-3222	20	14	services	service	NOUN
fsr-3222	20	15	and	and	CCONJ
fsr-3222	20	16	permits	permit	VERB
fsr-3222	20	17	service	service	NOUN
fsr-3222	20	18	providers	provider	NOUN
fsr-3222	20	19	to	to	PART
fsr-3222	20	20	charge	charge	VERB
fsr-3222	20	21	higher	high	ADJ
fsr-3222	20	22	fees	fee	NOUN
fsr-3222	20	23	.	.	PUNCT
fsr-3222	21	1	prices	price	NOUN
fsr-3222	21	2	and	and	CCONJ
fsr-3222	21	3	fees	fee	NOUN
fsr-3222	21	4	are	be	AUX
fsr-3222	21	5	essential	essential	ADJ
fsr-3222	21	6	information	information	NOUN
fsr-3222	21	7	in	in	ADP
fsr-3222	21	8	the	the	DET
fsr-3222	21	9	functioning	functioning	NOUN
fsr-3222	21	10	of	of	ADP
fsr-3222	21	11	the	the	DET
fsr-3222	21	12	market	market	NOUN
fsr-3222	21	13	for	for	ADP
fsr-3222	21	14	a	a	DET
fsr-3222	21	15	product	product	NOUN
fsr-3222	21	16	or	or	CCONJ
fsr-3222	21	17	service	service	NOUN
fsr-3222	21	18	.	.	PUNCT
fsr-3222	22	1	strategic	strategic	ADJ
fsr-3222	22	2	complexity	complexity	NOUN
fsr-3222	22	3	in	in	ADP
fsr-3222	22	4	the	the	DET
fsr-3222	22	5	disclosure	disclosure	NOUN
fsr-3222	22	6	of	of	ADP
fsr-3222	22	7	fees	fee	NOUN
fsr-3222	22	8	is	be	AUX
fsr-3222	22	9	presumably	presumably	ADV
fsr-3222	22	10	designed	design	VERB
fsr-3222	22	11	to	to	PART
fsr-3222	22	12	make	make	VERB
fsr-3222	22	13	a	a	DET
fsr-3222	22	14	market	market	NOUN
fsr-3222	22	15	less	less	ADV
fsr-3222	22	16	competitive	competitive	ADJ
fsr-3222	22	17	to	to	PART
fsr-3222	22	18	increase	increase	VERB
fsr-3222	22	19	the	the	DET
fsr-3222	22	20	income	income	NOUN
fsr-3222	22	21	of	of	ADP
fsr-3222	22	22	service	service	NOUN
fsr-3222	22	23	providers	provider	NOUN
fsr-3222	22	24	.	.	PUNCT
fsr-3222	23	1	strategic	strategic	ADJ
fsr-3222	23	2	complexity	complexity	NOUN
fsr-3222	23	3	raises	raise	VERB
fsr-3222	23	4	search	search	NOUN
fsr-3222	23	5	costs	cost	NOUN
fsr-3222	23	6	.	.	PUNCT
fsr-3222	24	1	it	it	PRON
fsr-3222	24	2	may	may	AUX
fsr-3222	24	3	explain	explain	VERB
fsr-3222	24	4	in	in	ADP
fsr-3222	24	5	part	part	NOUN
fsr-3222	24	6	the	the	DET
fsr-3222	24	7	limited	limited	ADJ
fsr-3222	24	8	search	search	NOUN
fsr-3222	24	9	that	that	PRON
fsr-3222	24	10	many	many	ADJ
fsr-3222	24	11	people	people	NOUN
fsr-3222	24	12	make	make	VERB
fsr-3222	24	13	when	when	SCONJ
fsr-3222	24	14	shopping	shop	VERB
fsr-3222	24	15	for	for	ADP
fsr-3222	24	16	financial	financial	ADJ
fsr-3222	24	17	services	service	NOUN
fsr-3222	24	18	and	and	CCONJ
fsr-3222	24	19	products	product	NOUN
fsr-3222	24	20	because	because	SCONJ
fsr-3222	24	21	the	the	DET
fsr-3222	24	22	complexity	complexity	NOUN
fsr-3222	24	23	in	in	ADP
fsr-3222	24	24	fee	fee	NOUN
fsr-3222	24	25	disclosures	disclosure	NOUN
fsr-3222	24	26	reduces	reduce	VERB
fsr-3222	24	27	the	the	DET
fsr-3222	24	28	benefits	benefit	NOUN
fsr-3222	24	29	from	from	ADP
fsr-3222	24	30	searching	search	VERB
fsr-3222	24	31	.	.	PUNCT
fsr-3222	25	1	data	datum	NOUN
fsr-3222	25	2	from	from	ADP
fsr-3222	25	3	the	the	DET
fsr-3222	25	4	survey	survey	NOUN
fsr-3222	25	5	of	of	ADP
fsr-3222	25	6	consumer	consumer	NOUN
fsr-3222	25	7	finances	finance	NOUN
fsr-3222	25	8	provide	provide	VERB
fsr-3222	25	9	information	information	NOUN
fsr-3222	25	10	about	about	ADP
fsr-3222	25	11	the	the	DET
fsr-3222	25	12	shopping	shopping	NOUN
fsr-3222	25	13	practices	practice	NOUN
fsr-3222	25	14	of	of	ADP
fsr-3222	25	15	americans	americans	PROPN
fsr-3222	25	16	for	for	ADP
fsr-3222	25	17	financial	financial	ADJ
fsr-3222	25	18	services	service	NOUN
fsr-3222	25	19	.	.	PUNCT
fsr-3222	26	1	in	in	ADP
fsr-3222	26	2	2010	2010	NUM
fsr-3222	26	3	,	,	PUNCT
fsr-3222	26	4	based	base	VERB
fsr-3222	26	5	on	on	ADP
fsr-3222	26	6	a	a	DET
fsr-3222	26	7	self	self	NOUN
fsr-3222	26	8	-	-	PUNCT
fsr-3222	26	9	assessment	assessment	NOUN
fsr-3222	26	10	of	of	ADP
fsr-3222	26	11	the	the	DET
fsr-3222	26	12	effort	effort	NOUN
fsr-3222	26	13	made	make	VERB
fsr-3222	26	14	to	to	PART
fsr-3222	26	15	shop	shop	VERB
fsr-3222	26	16	for	for	ADP
fsr-3222	26	17	investments	investment	NOUN
fsr-3222	26	18	that	that	PRON
fsr-3222	26	19	offered	offer	VERB
fsr-3222	26	20	the	the	DET
fsr-3222	26	21	best	good	ADJ
fsr-3222	26	22	terms	term	NOUN
fsr-3222	26	23	,	,	PUNCT
fsr-3222	26	24	55	55	NUM
fsr-3222	26	25	%	%	NOUN
fsr-3222	26	26	of	of	ADP
fsr-3222	26	27	families	family	NOUN
fsr-3222	26	28	reported	report	VERB
fsr-3222	26	29	making	make	VERB
fsr-3222	26	30	a	a	DET
fsr-3222	26	31	moderate	moderate	ADJ
fsr-3222	26	32	effort	effort	NOUN
fsr-3222	26	33	,	,	PUNCT
fsr-3222	26	34	23	23	NUM
fsr-3222	26	35	%	%	NOUN
fsr-3222	26	36	reported	report	VERB
fsr-3222	26	37	shopping	shop	VERB
fsr-3222	26	38	a	a	DET
fsr-3222	26	39	great	great	ADJ
fsr-3222	26	40	deal	deal	NOUN
fsr-3222	26	41	for	for	ADP
fsr-3222	26	42	the	the	DET
fsr-3222	26	43	best	good	ADJ
fsr-3222	26	44	terms	term	NOUN
fsr-3222	26	45	on	on	ADP
fsr-3222	26	46	investments	investment	NOUN
fsr-3222	26	47	,	,	PUNCT
fsr-3222	26	48	and	and	CCONJ
fsr-3222	26	49	21	21	NUM
fsr-3222	26	50	%	%	NOUN
fsr-3222	26	51	reported	report	VERB
fsr-3222	26	52	not	not	PART
fsr-3222	26	53	shopping	shop	VERB
fsr-3222	26	54	at	at	ADV
fsr-3222	26	55	all	all	ADV
fsr-3222	26	56	(	(	PUNCT
fsr-3222	26	57	bricker	bricker	NOUN
fsr-3222	26	58	et	et	NOUN
fsr-3222	26	59	al	al	PROPN
fsr-3222	26	60	.	.	PROPN
fsr-3222	26	61	,	,	PUNCT
fsr-3222	26	62	2013	2013	NUM
fsr-3222	26	63	)	)	PUNCT
fsr-3222	26	64	.	.	PUNCT
fsr-3222	27	1	2	2	X
fsr-3222	27	2	.	.	X
fsr-3222	27	3	this	this	DET
fsr-3222	27	4	article	article	NOUN
fsr-3222	27	5	we	we	PRON
fsr-3222	27	6	hypothesize	hypothesize	VERB
fsr-3222	27	7	that	that	SCONJ
fsr-3222	27	8	low	low	ADJ
fsr-3222	27	9	fee	fee	NOUN
fsr-3222	27	10	providers	provider	NOUN
fsr-3222	27	11	of	of	ADP
fsr-3222	27	12	advisory	advisory	ADJ
fsr-3222	27	13	services	service	NOUN
fsr-3222	27	14	use	use	VERB
fsr-3222	27	15	less	less	ADJ
fsr-3222	27	16	complexity	complexity	NOUN
fsr-3222	27	17	in	in	ADP
fsr-3222	27	18	their	their	PRON
fsr-3222	27	19	fee	fee	NOUN
fsr-3222	27	20	disclosures	disclosure	NOUN
fsr-3222	27	21	than	than	ADP
fsr-3222	27	22	high	high	ADJ
fsr-3222	27	23	fee	fee	NOUN
fsr-3222	27	24	providers	provider	NOUN
fsr-3222	27	25	.	.	PUNCT
fsr-3222	28	1	strategic	strategic	ADJ
fsr-3222	28	2	complexity	complexity	NOUN
fsr-3222	28	3	in	in	ADP
fsr-3222	28	4	fee	fee	NOUN
fsr-3222	28	5	disclosures	disclosure	NOUN
fsr-3222	28	6	makes	make	VERB
fsr-3222	28	7	it	it	PRON
fsr-3222	28	8	difficult	difficult	ADJ
fsr-3222	28	9	for	for	ADP
fsr-3222	28	10	people	people	NOUN
fsr-3222	28	11	who	who	PRON
fsr-3222	28	12	are	be	AUX
fsr-3222	28	13	not	not	PART
fsr-3222	28	14	financially	financially	ADV
fsr-3222	28	15	sophisticated	sophisticated	ADJ
fsr-3222	28	16	to	to	PART
fsr-3222	28	17	compare	compare	VERB
fsr-3222	28	18	fees	fee	NOUN
fsr-3222	28	19	across	across	ADP
fsr-3222	28	20	service	service	NOUN
fsr-3222	28	21	providers	provider	NOUN
fsr-3222	28	22	.	.	PUNCT
fsr-3222	29	1	the	the	DET
fsr-3222	29	2	article	article	NOUN
fsr-3222	29	3	develops	develop	VERB
fsr-3222	29	4	analytical	analytical	ADJ
fsr-3222	29	5	tools	tool	NOUN
fsr-3222	29	6	for	for	ADP
fsr-3222	29	7	analyzing	analyze	VERB
fsr-3222	29	8	complexity	complexity	NOUN
fsr-3222	29	9	in	in	ADP
fsr-3222	29	10	fee	fee	NOUN
fsr-3222	29	11	disclosure	disclosure	NOUN
fsr-3222	29	12	.	.	PUNCT
fsr-3222	30	1	we	we	PRON
fsr-3222	30	2	do	do	VERB
fsr-3222	30	3	this	this	PRON
fsr-3222	30	4	by	by	ADP
fsr-3222	30	5	using	use	VERB
fsr-3222	30	6	an	an	DET
fsr-3222	30	7	expanded	expand	VERB
fsr-3222	30	8	metric	metric	NOUN
fsr-3222	30	9	of	of	ADP
fsr-3222	30	10	complexity	complexity	NOUN
fsr-3222	30	11	in	in	ADP
fsr-3222	30	12	language	language	NOUN
fsr-3222	30	13	to	to	PART
fsr-3222	30	14	evaluate	evaluate	VERB
fsr-3222	30	15	the	the	DET
fsr-3222	30	16	complexity	complexity	NOUN
fsr-3222	30	17	of	of	ADP
fsr-3222	30	18	a	a	DET
fsr-3222	30	19	sample	sample	NOUN
fsr-3222	30	20	of	of	ADP
fsr-3222	30	21	disclosures	disclosure	NOUN
fsr-3222	30	22	,	,	PUNCT
fsr-3222	30	23	and	and	CCONJ
fsr-3222	30	24	then	then	ADV
fsr-3222	30	25	test	test	VERB
fsr-3222	30	26	this	this	DET
fsr-3222	30	27	metric	metric	NOUN
fsr-3222	30	28	by	by	ADP
fsr-3222	30	29	asking	ask	VERB
fsr-3222	30	30	college	college	NOUN
fsr-3222	30	31	business	business	NOUN
fsr-3222	30	32	students	student	NOUN
fsr-3222	30	33	to	to	PART
fsr-3222	30	34	compute	compute	VERB
fsr-3222	30	35	hypothetical	hypothetical	ADJ
fsr-3222	30	36	fees	fee	NOUN
fsr-3222	30	37	and	and	CCONJ
fsr-3222	30	38	to	to	PART
fsr-3222	30	39	rate	rate	VERB
fsr-3222	30	40	the	the	DET
fsr-3222	30	41	complexity	complexity	NOUN
fsr-3222	30	42	of	of	ADP
fsr-3222	30	43	the	the	DET
fsr-3222	30	44	fee	fee	NOUN
fsr-3222	30	45	disclosures	disclosure	NOUN
fsr-3222	30	46	.	.	PUNCT
fsr-3222	31	1	216	216	NUM
fsr-3222	31	2	l.a	l.a	PROPN
fsr-3222	31	3	.	.	PROPN
fsr-3222	31	4	muller	muller	PROPN
fsr-3222	31	5	,	,	PUNCT
fsr-3222	31	6	j.a	j.a	PROPN
fsr-3222	31	7	.	.	PROPN
fsr-3222	31	8	turner	turner	PROPN
fsr-3222	31	9	/	/	SYM
fsr-3222	31	10	financial	financial	ADJ
fsr-3222	31	11	services	service	NOUN
fsr-3222	31	12	review	review	VERB
fsr-3222	31	13	25	25	NUM
fsr-3222	31	14	(	(	PUNCT
fsr-3222	31	15	2016	2016	NUM
fsr-3222	31	16	)	)	PUNCT
fsr-3222	31	17	215–234	215–234	NUM
fsr-3222	31	18	while	while	SCONJ
fsr-3222	31	19	fees	fee	NOUN
fsr-3222	31	20	are	be	AUX
fsr-3222	31	21	charged	charge	VERB
fsr-3222	31	22	in	in	ADP
fsr-3222	31	23	a	a	DET
fsr-3222	31	24	wide	wide	ADJ
fsr-3222	31	25	variety	variety	NOUN
fsr-3222	31	26	of	of	ADP
fsr-3222	31	27	ways	way	NOUN
fsr-3222	31	28	,	,	PUNCT
fsr-3222	31	29	the	the	DET
fsr-3222	31	30	traditional	traditional	ADJ
fsr-3222	31	31	and	and	CCONJ
fsr-3222	31	32	most	most	ADV
fsr-3222	31	33	widely	widely	ADV
fsr-3222	31	34	used	use	VERB
fsr-3222	31	35	approach	approach	NOUN
fsr-3222	31	36	is	be	AUX
fsr-3222	31	37	to	to	PART
fsr-3222	31	38	charge	charge	VERB
fsr-3222	31	39	fees	fee	NOUN
fsr-3222	31	40	based	base	VERB
fsr-3222	31	41	on	on	ADP
fsr-3222	31	42	a	a	DET
fsr-3222	31	43	percentage	percentage	NOUN
fsr-3222	31	44	of	of	ADP
fsr-3222	31	45	the	the	DET
fsr-3222	31	46	assets	asset	NOUN
fsr-3222	31	47	being	be	AUX
fsr-3222	31	48	managed	manage	VERB
fsr-3222	31	49	.	.	PUNCT
fsr-3222	32	1	this	this	DET
fsr-3222	32	2	approach	approach	NOUN
fsr-3222	32	3	accounts	account	VERB
fsr-3222	32	4	for	for	ADP
fsr-3222	32	5	85	85	NUM
fsr-3222	32	6	%	%	NOUN
fsr-3222	32	7	of	of	ADP
fsr-3222	32	8	the	the	DET
fsr-3222	32	9	fees	fee	NOUN
fsr-3222	32	10	received	receive	VERB
fsr-3222	32	11	by	by	ADP
fsr-3222	32	12	advisory	advisory	ADJ
fsr-3222	32	13	firms	firm	NOUN
fsr-3222	32	14	(	(	PUNCT
fsr-3222	32	15	maxey	maxey	PROPN
fsr-3222	32	16	,	,	PUNCT
fsr-3222	32	17	2011	2011	NUM
fsr-3222	32	18	)	)	PUNCT
fsr-3222	32	19	.	.	PUNCT
fsr-3222	33	1	we	we	PRON
fsr-3222	33	2	analyze	analyze	VERB
fsr-3222	33	3	fee	fee	NOUN
fsr-3222	33	4	disclosures	disclosure	NOUN
fsr-3222	33	5	for	for	ADP
fsr-3222	33	6	ongoing	ongoing	ADJ
fsr-3222	33	7	investment	investment	NOUN
fsr-3222	33	8	advisory	advisory	ADJ
fsr-3222	33	9	or	or	CCONJ
fsr-3222	33	10	management	management	NOUN
fsr-3222	33	11	services	service	NOUN
fsr-3222	33	12	that	that	PRON
fsr-3222	33	13	are	be	AUX
fsr-3222	33	14	available	available	ADJ
fsr-3222	33	15	over	over	ADP
fsr-3222	33	16	the	the	DET
fsr-3222	33	17	internet	internet	NOUN
fsr-3222	33	18	.	.	PUNCT
fsr-3222	34	1	data	datum	NOUN
fsr-3222	34	2	from	from	ADP
fsr-3222	34	3	the	the	DET
fsr-3222	34	4	survey	survey	NOUN
fsr-3222	34	5	of	of	ADP
fsr-3222	34	6	consumer	consumer	NOUN
fsr-3222	34	7	finances	finance	NOUN
fsr-3222	34	8	indicate	indicate	VERB
fsr-3222	34	9	that	that	SCONJ
fsr-3222	34	10	the	the	DET
fsr-3222	34	11	internet	internet	NOUN
fsr-3222	34	12	is	be	AUX
fsr-3222	34	13	used	use	VERB
fsr-3222	34	14	for	for	ADP
fsr-3222	34	15	information	information	NOUN
fsr-3222	34	16	on	on	ADP
fsr-3222	34	17	investing	invest	VERB
fsr-3222	34	18	by	by	ADP
fsr-3222	34	19	80	80	NUM
fsr-3222	34	20	%	%	NOUN
fsr-3222	34	21	of	of	ADP
fsr-3222	34	22	the	the	DET
fsr-3222	34	23	population	population	NOUN
fsr-3222	34	24	age	age	NOUN
fsr-3222	34	25	35	35	NUM
fsr-3222	34	26	and	and	CCONJ
fsr-3222	34	27	younger	young	ADJ
fsr-3222	34	28	(	(	PUNCT
fsr-3222	34	29	bricker	bricker	NOUN
fsr-3222	34	30	et	et	NOUN
fsr-3222	34	31	al	al	PROPN
fsr-3222	34	32	.	.	PROPN
fsr-3222	34	33	,	,	PUNCT
fsr-3222	34	34	2012	2012	NUM
fsr-3222	34	35	)	)	PUNCT
fsr-3222	34	36	.	.	PUNCT
fsr-3222	35	1	a	a	DET
fsr-3222	35	2	number	number	NOUN
fsr-3222	35	3	of	of	ADP
fsr-3222	35	4	major	major	ADJ
fsr-3222	35	5	companies	company	NOUN
fsr-3222	35	6	do	do	AUX
fsr-3222	35	7	not	not	PART
fsr-3222	35	8	disclose	disclose	VERB
fsr-3222	35	9	their	their	PRON
fsr-3222	35	10	fees	fee	NOUN
fsr-3222	35	11	for	for	ADP
fsr-3222	35	12	financial	financial	ADJ
fsr-3222	35	13	advisory	advisory	ADJ
fsr-3222	35	14	services	service	NOUN
fsr-3222	35	15	over	over	ADP
fsr-3222	35	16	the	the	DET
fsr-3222	35	17	internet	internet	NOUN
fsr-3222	35	18	,	,	PUNCT
fsr-3222	35	19	but	but	CCONJ
fsr-3222	35	20	instead	instead	ADV
fsr-3222	35	21	require	require	VERB
fsr-3222	35	22	that	that	SCONJ
fsr-3222	35	23	the	the	DET
fsr-3222	35	24	client	client	NOUN
fsr-3222	35	25	contact	contact	VERB
fsr-3222	35	26	them	they	PRON
fsr-3222	35	27	to	to	PART
fsr-3222	35	28	obtain	obtain	VERB
fsr-3222	35	29	that	that	DET
fsr-3222	35	30	information	information	NOUN
fsr-3222	35	31	.	.	PUNCT
fsr-3222	36	1	for	for	ADP
fsr-3222	36	2	this	this	DET
fsr-3222	36	3	reason	reason	NOUN
fsr-3222	36	4	,	,	PUNCT
fsr-3222	36	5	this	this	DET
fsr-3222	36	6	analysis	analysis	NOUN
fsr-3222	36	7	of	of	ADP
fsr-3222	36	8	fee	fee	NOUN
fsr-3222	36	9	disclosures	disclosure	NOUN
fsr-3222	36	10	is	be	AUX
fsr-3222	36	11	for	for	ADP
fsr-3222	36	12	a	a	DET
fsr-3222	36	13	truncated	truncated	ADJ
fsr-3222	36	14	sample	sample	NOUN
fsr-3222	36	15	,	,	PUNCT
fsr-3222	36	16	which	which	PRON
fsr-3222	36	17	is	be	AUX
fsr-3222	36	18	the	the	DET
fsr-3222	36	19	sample	sample	NOUN
fsr-3222	36	20	of	of	ADP
fsr-3222	36	21	companies	company	NOUN
fsr-3222	36	22	that	that	PRON
fsr-3222	36	23	disclose	disclose	VERB
fsr-3222	36	24	fees	fee	NOUN
fsr-3222	36	25	over	over	ADP
fsr-3222	36	26	the	the	DET
fsr-3222	36	27	internet	internet	NOUN
fsr-3222	36	28	.	.	PUNCT
fsr-3222	37	1	the	the	DET
fsr-3222	37	2	article	article	NOUN
fsr-3222	37	3	begins	begin	VERB
fsr-3222	37	4	by	by	ADP
fsr-3222	37	5	discussing	discuss	VERB
fsr-3222	37	6	related	related	ADJ
fsr-3222	37	7	literature	literature	NOUN
fsr-3222	37	8	.	.	PUNCT
fsr-3222	38	1	it	it	PRON
fsr-3222	38	2	then	then	ADV
fsr-3222	38	3	examines	examine	VERB
fsr-3222	38	4	the	the	DET
fsr-3222	38	5	issue	issue	NOUN
fsr-3222	38	6	of	of	ADP
fsr-3222	38	7	complexity	complexity	NOUN
fsr-3222	38	8	in	in	ADP
fsr-3222	38	9	fee	fee	NOUN
fsr-3222	38	10	disclosures	disclosure	NOUN
fsr-3222	38	11	by	by	ADP
fsr-3222	38	12	adopting	adopt	VERB
fsr-3222	38	13	a	a	DET
fsr-3222	38	14	methodology	methodology	NOUN
fsr-3222	38	15	that	that	PRON
fsr-3222	38	16	is	be	AUX
fsr-3222	38	17	used	use	VERB
fsr-3222	38	18	to	to	PART
fsr-3222	38	19	assess	assess	VERB
fsr-3222	38	20	the	the	DET
fsr-3222	38	21	grade	grade	NOUN
fsr-3222	38	22	level	level	NOUN
fsr-3222	38	23	of	of	ADP
fsr-3222	38	24	writing	writing	NOUN
fsr-3222	38	25	and	and	CCONJ
fsr-3222	38	26	expanding	expand	VERB
fsr-3222	38	27	it	it	PRON
fsr-3222	38	28	to	to	PART
fsr-3222	38	29	measure	measure	VERB
fsr-3222	38	30	the	the	DET
fsr-3222	38	31	complexity	complexity	NOUN
fsr-3222	38	32	beyond	beyond	ADP
fsr-3222	38	33	simple	simple	ADJ
fsr-3222	38	34	sentence	sentence	NOUN
fsr-3222	38	35	structure	structure	NOUN
fsr-3222	38	36	and	and	CCONJ
fsr-3222	38	37	word	word	NOUN
fsr-3222	38	38	choice	choice	NOUN
fsr-3222	38	39	.	.	PUNCT
fsr-3222	39	1	it	it	PRON
fsr-3222	39	2	applies	apply	VERB
fsr-3222	39	3	this	this	DET
fsr-3222	39	4	metric	metric	NOUN
fsr-3222	39	5	to	to	ADP
fsr-3222	39	6	all	all	PRON
fsr-3222	39	7	of	of	ADP
fsr-3222	39	8	the	the	DET
fsr-3222	39	9	10	10	NUM
fsr-3222	39	10	largest	large	ADJ
fsr-3222	39	11	advisory	advisory	ADJ
fsr-3222	39	12	companies	company	NOUN
fsr-3222	39	13	that	that	PRON
fsr-3222	39	14	provide	provide	VERB
fsr-3222	39	15	fee	fee	NOUN
fsr-3222	39	16	disclosures	disclosure	NOUN
fsr-3222	39	17	over	over	ADP
fsr-3222	39	18	the	the	DET
fsr-3222	39	19	internet	internet	NOUN
fsr-3222	39	20	,	,	PUNCT
fsr-3222	39	21	plus	plus	CCONJ
fsr-3222	39	22	a	a	DET
fsr-3222	39	23	sampling	sampling	NOUN
fsr-3222	39	24	of	of	ADP
fsr-3222	39	25	other	other	ADJ
fsr-3222	39	26	companies	company	NOUN
fsr-3222	39	27	.	.	PUNCT
fsr-3222	40	1	because	because	SCONJ
fsr-3222	40	2	many	many	ADJ
fsr-3222	40	3	companies	company	NOUN
fsr-3222	40	4	do	do	AUX
fsr-3222	40	5	not	not	PART
fsr-3222	40	6	disclose	disclose	VERB
fsr-3222	40	7	their	their	PRON
fsr-3222	40	8	fees	fee	NOUN
fsr-3222	40	9	over	over	ADP
fsr-3222	40	10	the	the	DET
fsr-3222	40	11	internet	internet	NOUN
fsr-3222	40	12	and	and	CCONJ
fsr-3222	40	13	because	because	SCONJ
fsr-3222	40	14	of	of	ADP
fsr-3222	40	15	the	the	DET
fsr-3222	40	16	time	time	NOUN
fsr-3222	40	17	consuming	consume	VERB
fsr-3222	40	18	nature	nature	NOUN
fsr-3222	40	19	of	of	ADP
fsr-3222	40	20	the	the	DET
fsr-3222	40	21	process	process	NOUN
fsr-3222	40	22	of	of	ADP
fsr-3222	40	23	finding	find	VERB
fsr-3222	40	24	the	the	DET
fsr-3222	40	25	fees	fee	NOUN
fsr-3222	40	26	and	and	CCONJ
fsr-3222	40	27	then	then	ADV
fsr-3222	40	28	rating	rate	VERB
fsr-3222	40	29	the	the	DET
fsr-3222	40	30	associated	associated	ADJ
fsr-3222	40	31	disclosures	disclosure	NOUN
fsr-3222	40	32	,	,	PUNCT
fsr-3222	40	33	we	we	PRON
fsr-3222	40	34	have	have	VERB
fsr-3222	40	35	a	a	DET
fsr-3222	40	36	small	small	ADJ
fsr-3222	40	37	sample	sample	NOUN
fsr-3222	40	38	of	of	ADP
fsr-3222	40	39	fee	fee	NOUN
fsr-3222	40	40	disclosures	disclosure	NOUN
fsr-3222	40	41	(	(	PUNCT
fsr-3222	40	42	n	n	X
fsr-3222	40	43	�	�	PROPN
fsr-3222	40	44	10	10	NUM
fsr-3222	40	45	)	)	PUNCT
fsr-3222	40	46	.	.	PUNCT
fsr-3222	41	1	to	to	PART
fsr-3222	41	2	validate	validate	VERB
fsr-3222	41	3	this	this	DET
fsr-3222	41	4	expanded	expand	VERB
fsr-3222	41	5	metric	metric	NOUN
fsr-3222	41	6	,	,	PUNCT
fsr-3222	41	7	we	we	PRON
fsr-3222	41	8	survey	survey	VERB
fsr-3222	41	9	a	a	DET
fsr-3222	41	10	sample	sample	NOUN
fsr-3222	41	11	of	of	ADP
fsr-3222	41	12	618	618	NUM
fsr-3222	41	13	college	college	NOUN
fsr-3222	41	14	business	business	NOUN
fsr-3222	41	15	students	student	NOUN
fsr-3222	41	16	for	for	ADP
fsr-3222	41	17	an	an	DET
fsr-3222	41	18	independent	independent	ADJ
fsr-3222	41	19	rating	rating	NOUN
fsr-3222	41	20	of	of	ADP
fsr-3222	41	21	the	the	DET
fsr-3222	41	22	disclosures	disclosure	NOUN
fsr-3222	41	23	.	.	PUNCT
fsr-3222	42	1	finally	finally	ADV
fsr-3222	42	2	,	,	PUNCT
fsr-3222	42	3	the	the	DET
fsr-3222	42	4	article	article	NOUN
fsr-3222	42	5	presents	present	VERB
fsr-3222	42	6	concluding	conclude	VERB
fsr-3222	42	7	comments	comment	NOUN
fsr-3222	42	8	.	.	PUNCT
fsr-3222	43	1	3	3	X
fsr-3222	43	2	.	.	X
fsr-3222	43	3	literature	literature	NOUN
fsr-3222	43	4	review	review	VERB
fsr-3222	43	5	this	this	DET
fsr-3222	43	6	article	article	NOUN
fsr-3222	43	7	on	on	ADP
fsr-3222	43	8	complexity	complexity	NOUN
fsr-3222	43	9	in	in	ADP
fsr-3222	43	10	fee	fee	NOUN
fsr-3222	43	11	disclosures	disclosure	NOUN
fsr-3222	43	12	relates	relate	VERB
fsr-3222	43	13	to	to	ADP
fsr-3222	43	14	several	several	ADJ
fsr-3222	43	15	areas	area	NOUN
fsr-3222	43	16	in	in	ADP
fsr-3222	43	17	the	the	DET
fsr-3222	43	18	economic	economic	ADJ
fsr-3222	43	19	literature	literature	NOUN
fsr-3222	43	20	.	.	PUNCT
fsr-3222	44	1	in	in	ADP
fsr-3222	44	2	related	related	ADJ
fsr-3222	44	3	work	work	NOUN
fsr-3222	44	4	in	in	ADP
fsr-3222	44	5	computational	computational	ADJ
fsr-3222	44	6	linguistics	linguistic	NOUN
fsr-3222	44	7	,	,	PUNCT
fsr-3222	44	8	loughran	loughran	NOUN
fsr-3222	44	9	and	and	CCONJ
fsr-3222	44	10	mcdonald	mcdonald	PROPN
fsr-3222	44	11	(	(	PUNCT
fsr-3222	44	12	2013	2013	NUM
fsr-3222	44	13	)	)	PUNCT
fsr-3222	44	14	examine	examine	VERB
fsr-3222	44	15	the	the	DET
fsr-3222	44	16	readability	readability	NOUN
fsr-3222	44	17	or	or	CCONJ
fsr-3222	44	18	complexity	complexity	NOUN
fsr-3222	44	19	of	of	ADP
fsr-3222	44	20	financial	financial	ADJ
fsr-3222	44	21	disclosures	disclosure	NOUN
fsr-3222	44	22	.	.	PUNCT
fsr-3222	45	1	more	more	ADV
fsr-3222	45	2	closely	closely	ADV
fsr-3222	45	3	related	relate	VERB
fsr-3222	45	4	to	to	ADP
fsr-3222	45	5	the	the	DET
fsr-3222	45	6	hypotheses	hypothesis	NOUN
fsr-3222	45	7	of	of	ADP
fsr-3222	45	8	our	our	PRON
fsr-3222	45	9	article	article	NOUN
fsr-3222	45	10	,	,	PUNCT
fsr-3222	45	11	li	li	PROPN
fsr-3222	45	12	(	(	PUNCT
fsr-3222	45	13	2008	2008	NUM
fsr-3222	45	14	)	)	PUNCT
fsr-3222	45	15	argues	argue	VERB
fsr-3222	45	16	that	that	SCONJ
fsr-3222	45	17	business	business	NOUN
fsr-3222	45	18	managers	manager	NOUN
fsr-3222	45	19	attempt	attempt	VERB
fsr-3222	45	20	to	to	PART
fsr-3222	45	21	hide	hide	VERB
fsr-3222	45	22	the	the	DET
fsr-3222	45	23	poor	poor	ADJ
fsr-3222	45	24	earnings	earning	NOUN
fsr-3222	45	25	prospects	prospect	NOUN
fsr-3222	45	26	of	of	ADP
fsr-3222	45	27	their	their	PRON
fsr-3222	45	28	firms	firm	NOUN
fsr-3222	45	29	by	by	ADP
fsr-3222	45	30	increasing	increase	VERB
fsr-3222	45	31	the	the	DET
fsr-3222	45	32	complexity	complexity	NOUN
fsr-3222	45	33	of	of	ADP
fsr-3222	45	34	their	their	PRON
fsr-3222	45	35	written	write	VERB
fsr-3222	45	36	disclosures	disclosure	NOUN
fsr-3222	45	37	.	.	PUNCT
fsr-3222	46	1	he	he	PRON
fsr-3222	46	2	finds	find	VERB
fsr-3222	46	3	that	that	SCONJ
fsr-3222	46	4	when	when	SCONJ
fsr-3222	46	5	annual	annual	ADJ
fsr-3222	46	6	reports	report	NOUN
fsr-3222	46	7	are	be	AUX
fsr-3222	46	8	harder	hard	ADJ
fsr-3222	46	9	to	to	PART
fsr-3222	46	10	read	read	VERB
fsr-3222	46	11	,	,	PUNCT
fsr-3222	46	12	good	good	ADJ
fsr-3222	46	13	news	news	NOUN
fsr-3222	46	14	they	they	PRON
fsr-3222	46	15	contain	contain	VERB
fsr-3222	46	16	is	be	AUX
fsr-3222	46	17	more	more	ADV
fsr-3222	46	18	transitory	transitory	ADJ
fsr-3222	46	19	and	and	CCONJ
fsr-3222	46	20	bad	bad	ADJ
fsr-3222	46	21	news	news	NOUN
fsr-3222	46	22	is	be	AUX
fsr-3222	46	23	more	more	ADV
fsr-3222	46	24	persistent	persistent	ADJ
fsr-3222	46	25	in	in	ADP
fsr-3222	46	26	its	its	PRON
fsr-3222	46	27	effects	effect	NOUN
fsr-3222	46	28	on	on	ADP
fsr-3222	46	29	future	future	ADJ
fsr-3222	46	30	earnings	earning	NOUN
fsr-3222	46	31	.	.	PUNCT
fsr-3222	47	1	smith	smith	PROPN
fsr-3222	47	2	and	and	CCONJ
fsr-3222	47	3	taffler	taffler	PROPN
fsr-3222	47	4	(	(	PUNCT
fsr-3222	47	5	1992	1992	NUM
fsr-3222	47	6	,	,	PUNCT
fsr-3222	47	7	2000	2000	NUM
fsr-3222	47	8	)	)	PUNCT
fsr-3222	47	9	find	find	VERB
fsr-3222	47	10	that	that	SCONJ
fsr-3222	47	11	when	when	SCONJ
fsr-3222	47	12	a	a	DET
fsr-3222	47	13	firm	firm	NOUN
fsr-3222	47	14	’s	’s	PART
fsr-3222	47	15	financial	financial	ADJ
fsr-3222	47	16	situation	situation	NOUN
fsr-3222	47	17	deteriorates	deteriorate	VERB
fsr-3222	47	18	,	,	PUNCT
fsr-3222	47	19	its	its	PRON
fsr-3222	47	20	accounting	accounting	NOUN
fsr-3222	47	21	reports	report	NOUN
fsr-3222	47	22	tend	tend	VERB
fsr-3222	47	23	to	to	PART
fsr-3222	47	24	become	become	VERB
fsr-3222	47	25	more	more	ADV
fsr-3222	47	26	opaque	opaque	ADJ
fsr-3222	47	27	.	.	PUNCT
fsr-3222	48	1	older	old	ADJ
fsr-3222	48	2	research	research	NOUN
fsr-3222	48	3	finds	find	VERB
fsr-3222	48	4	issues	issue	NOUN
fsr-3222	48	5	of	of	ADP
fsr-3222	48	6	readability	readability	NOUN
fsr-3222	48	7	and	and	CCONJ
fsr-3222	48	8	complexity	complexity	NOUN
fsr-3222	48	9	in	in	ADP
fsr-3222	48	10	material	material	NOUN
fsr-3222	48	11	presented	present	VERB
fsr-3222	48	12	in	in	ADP
fsr-3222	48	13	footnotes	footnote	NOUN
fsr-3222	48	14	(	(	PUNCT
fsr-3222	48	15	healy	healy	PROPN
fsr-3222	48	16	,	,	PUNCT
fsr-3222	48	17	1977	1977	NUM
fsr-3222	48	18	;	;	PUNCT
fsr-3222	48	19	smith	smith	PROPN
fsr-3222	48	20	and	and	CCONJ
fsr-3222	48	21	smith	smith	PROPN
fsr-3222	48	22	,	,	PUNCT
fsr-3222	48	23	1971	1971	NUM
fsr-3222	48	24	)	)	PUNCT
fsr-3222	48	25	.	.	PUNCT
fsr-3222	49	1	using	use	VERB
fsr-3222	49	2	consumer	consumer	NOUN
fsr-3222	49	3	search	search	NOUN
fsr-3222	49	4	models	model	NOUN
fsr-3222	49	5	,	,	PUNCT
fsr-3222	49	6	ellison	ellison	PROPN
fsr-3222	49	7	and	and	CCONJ
fsr-3222	49	8	ellison	ellison	PROPN
fsr-3222	49	9	(	(	PUNCT
fsr-3222	49	10	2009	2009	NUM
fsr-3222	49	11	)	)	PUNCT
fsr-3222	49	12	use	use	VERB
fsr-3222	49	13	the	the	DET
fsr-3222	49	14	term	term	NOUN
fsr-3222	49	15	obfuscation	obfuscation	NOUN
fsr-3222	49	16	to	to	PART
fsr-3222	49	17	describe	describe	VERB
fsr-3222	49	18	marketing	marketing	NOUN
fsr-3222	49	19	practices	practice	NOUN
fsr-3222	49	20	where	where	SCONJ
fsr-3222	49	21	firms	firm	NOUN
fsr-3222	49	22	make	make	VERB
fsr-3222	49	23	price	price	NOUN
fsr-3222	49	24	comparisons	comparison	NOUN
fsr-3222	49	25	complex	complex	ADJ
fsr-3222	49	26	or	or	CCONJ
fsr-3222	49	27	confusing	confusing	ADJ
fsr-3222	49	28	.	.	PUNCT
fsr-3222	50	1	obfuscation	obfuscation	NOUN
fsr-3222	50	2	can	can	AUX
fsr-3222	50	3	lead	lead	VERB
fsr-3222	50	4	to	to	ADP
fsr-3222	50	5	reduced	reduce	VERB
fsr-3222	50	6	consumer	consumer	NOUN
fsr-3222	50	7	learning	learning	NOUN
fsr-3222	50	8	about	about	ADP
fsr-3222	50	9	prices	price	NOUN
fsr-3222	50	10	.	.	PUNCT
fsr-3222	51	1	carlin	carlin	PROPN
fsr-3222	51	2	(	(	PUNCT
fsr-3222	51	3	2009	2009	NUM
fsr-3222	51	4	)	)	PUNCT
fsr-3222	51	5	and	and	CCONJ
fsr-3222	51	6	wilson	wilson	PROPN
fsr-3222	51	7	(	(	PUNCT
fsr-3222	51	8	2010	2010	NUM
fsr-3222	51	9	)	)	PUNCT
fsr-3222	51	10	also	also	ADV
fsr-3222	51	11	present	present	ADJ
fsr-3222	51	12	models	model	NOUN
fsr-3222	51	13	of	of	ADP
fsr-3222	51	14	strategic	strategic	ADJ
fsr-3222	51	15	obfuscation	obfuscation	NOUN
fsr-3222	51	16	where	where	SCONJ
fsr-3222	51	17	firms	firm	NOUN
fsr-3222	51	18	intentionally	intentionally	ADV
fsr-3222	51	19	increase	increase	VERB
fsr-3222	51	20	the	the	DET
fsr-3222	51	21	search	search	NOUN
fsr-3222	51	22	costs	cost	NOUN
fsr-3222	51	23	of	of	ADP
fsr-3222	51	24	consumers	consumer	NOUN
fsr-3222	51	25	.	.	PUNCT
fsr-3222	52	1	carlin	carlin	PROPN
fsr-3222	52	2	(	(	PUNCT
fsr-3222	52	3	2009	2009	NUM
fsr-3222	52	4	)	)	PUNCT
fsr-3222	52	5	finds	find	VERB
fsr-3222	52	6	that	that	SCONJ
fsr-3222	52	7	when	when	SCONJ
fsr-3222	52	8	some	some	DET
fsr-3222	52	9	consumers	consumer	NOUN
fsr-3222	52	10	are	be	AUX
fsr-3222	52	11	unsophisticated	unsophisticated	ADJ
fsr-3222	52	12	,	,	PUNCT
fsr-3222	52	13	firms	firm	NOUN
fsr-3222	52	14	can	can	AUX
fsr-3222	52	15	use	use	VERB
fsr-3222	52	16	complex	complex	ADJ
fsr-3222	52	17	pricing	pricing	NOUN
fsr-3222	52	18	and	and	CCONJ
fsr-3222	52	19	price	price	NOUN
fsr-3222	52	20	obfuscation	obfuscation	NOUN
fsr-3222	52	21	to	to	PART
fsr-3222	52	22	charge	charge	VERB
fsr-3222	52	23	supracompetitive	supracompetitive	ADJ
fsr-3222	52	24	prices	price	NOUN
fsr-3222	52	25	.	.	PUNCT
fsr-3222	53	1	ellison	ellison	PROPN
fsr-3222	53	2	and	and	CCONJ
fsr-3222	53	3	wolitsky	wolitsky	PROPN
fsr-3222	53	4	(	(	PUNCT
fsr-3222	53	5	2011	2011	NUM
fsr-3222	53	6	)	)	PUNCT
fsr-3222	53	7	present	present	VERB
fsr-3222	53	8	a	a	DET
fsr-3222	53	9	search	search	NOUN
fsr-3222	53	10	model	model	NOUN
fsr-3222	53	11	where	where	SCONJ
fsr-3222	53	12	it	it	PRON
fsr-3222	53	13	is	be	AUX
fsr-3222	53	14	rational	rational	ADJ
fsr-3222	53	15	for	for	SCONJ
fsr-3222	53	16	firms	firm	NOUN
fsr-3222	53	17	to	to	PART
fsr-3222	53	18	increase	increase	VERB
fsr-3222	53	19	the	the	DET
fsr-3222	53	20	search	search	NOUN
fsr-3222	53	21	costs	cost	NOUN
fsr-3222	53	22	of	of	ADP
fsr-3222	53	23	consumers	consumer	NOUN
fsr-3222	53	24	.	.	PUNCT
fsr-3222	54	1	prices	price	NOUN
fsr-3222	54	2	and	and	CCONJ
fsr-3222	54	3	firm	firm	ADJ
fsr-3222	54	4	profits	profit	NOUN
fsr-3222	54	5	increase	increase	VERB
fsr-3222	54	6	as	as	SCONJ
fsr-3222	54	7	search	search	NOUN
fsr-3222	54	8	costs	cost	NOUN
fsr-3222	54	9	increase	increase	NOUN
fsr-3222	54	10	.	.	PUNCT
fsr-3222	55	1	price	price	NOUN
fsr-3222	55	2	dispersion	dispersion	NOUN
fsr-3222	55	3	occurs	occur	VERB
fsr-3222	55	4	in	in	ADP
fsr-3222	55	5	markets	market	NOUN
fsr-3222	55	6	where	where	SCONJ
fsr-3222	55	7	consumers	consumer	NOUN
fsr-3222	55	8	are	be	AUX
fsr-3222	55	9	differentially	differentially	ADV
fsr-3222	55	10	informed	inform	VERB
fsr-3222	55	11	217l.a	217l.a	NUM
fsr-3222	55	12	.	.	PUNCT
fsr-3222	56	1	muller	muller	PROPN
fsr-3222	56	2	,	,	PUNCT
fsr-3222	56	3	j.a	j.a	PROPN
fsr-3222	56	4	.	.	PROPN
fsr-3222	56	5	turner	turner	PROPN
fsr-3222	56	6	/	/	SYM
fsr-3222	56	7	financial	financial	ADJ
fsr-3222	56	8	services	service	NOUN
fsr-3222	56	9	review	review	VERB
fsr-3222	56	10	25	25	NUM
fsr-3222	56	11	(	(	PUNCT
fsr-3222	56	12	2016	2016	NUM
fsr-3222	56	13	)	)	PUNCT
fsr-3222	57	1	215–234	215–234	NUM
fsr-3222	57	2	(	(	PUNCT
fsr-3222	57	3	ellison	ellison	NOUN
fsr-3222	57	4	and	and	CCONJ
fsr-3222	57	5	wolitsky	wolitsky	ADJ
fsr-3222	57	6	2011	2011	NUM
fsr-3222	57	7	)	)	PUNCT
fsr-3222	57	8	.	.	PUNCT
fsr-3222	58	1	thus	thus	ADV
fsr-3222	58	2	,	,	PUNCT
fsr-3222	58	3	price	price	NOUN
fsr-3222	58	4	dispersion	dispersion	NOUN
fsr-3222	58	5	may	may	AUX
fsr-3222	58	6	occur	occur	VERB
fsr-3222	58	7	in	in	ADP
fsr-3222	58	8	the	the	DET
fsr-3222	58	9	market	market	NOUN
fsr-3222	58	10	for	for	ADP
fsr-3222	58	11	financial	financial	ADJ
fsr-3222	58	12	advisers	adviser	NOUN
fsr-3222	58	13	because	because	SCONJ
fsr-3222	58	14	of	of	ADP
fsr-3222	58	15	heterogeneity	heterogeneity	NOUN
fsr-3222	58	16	in	in	ADP
fsr-3222	58	17	the	the	DET
fsr-3222	58	18	level	level	NOUN
fsr-3222	58	19	of	of	ADP
fsr-3222	58	20	financial	financial	ADJ
fsr-3222	58	21	sophistication	sophistication	NOUN
fsr-3222	58	22	of	of	ADP
fsr-3222	58	23	clients	client	NOUN
fsr-3222	58	24	.	.	PUNCT
fsr-3222	59	1	ellison	ellison	PROPN
fsr-3222	59	2	and	and	CCONJ
fsr-3222	59	3	wolitzky	wolitzky	PROPN
fsr-3222	59	4	(	(	PUNCT
fsr-3222	59	5	2012	2012	NUM
fsr-3222	59	6	)	)	PUNCT
fsr-3222	59	7	find	find	VERB
fsr-3222	59	8	in	in	ADP
fsr-3222	59	9	some	some	DET
fsr-3222	59	10	theoretical	theoretical	ADJ
fsr-3222	59	11	models	model	NOUN
fsr-3222	59	12	that	that	PRON
fsr-3222	59	13	higher	high	ADJ
fsr-3222	59	14	price	price	NOUN
fsr-3222	59	15	mark	mark	NOUN
fsr-3222	59	16	-	-	PUNCT
fsr-3222	59	17	ups	up	NOUN
fsr-3222	59	18	are	be	AUX
fsr-3222	59	19	associated	associate	VERB
fsr-3222	59	20	with	with	ADP
fsr-3222	59	21	greater	great	ADJ
fsr-3222	59	22	obfuscation	obfuscation	NOUN
fsr-3222	59	23	.	.	PUNCT
fsr-3222	60	1	they	they	PRON
fsr-3222	60	2	note	note	VERB
fsr-3222	60	3	that	that	PRON
fsr-3222	60	4	obfuscation	obfuscation	NOUN
fsr-3222	60	5	is	be	AUX
fsr-3222	60	6	bad	bad	ADJ
fsr-3222	60	7	for	for	ADP
fsr-3222	60	8	consumers	consumer	NOUN
fsr-3222	60	9	both	both	CCONJ
fsr-3222	60	10	in	in	ADP
fsr-3222	60	11	that	that	PRON
fsr-3222	60	12	it	it	PRON
fsr-3222	60	13	raises	raise	VERB
fsr-3222	60	14	the	the	DET
fsr-3222	60	15	prices	price	NOUN
fsr-3222	60	16	they	they	PRON
fsr-3222	60	17	pay	pay	VERB
fsr-3222	60	18	and	and	CCONJ
fsr-3222	60	19	that	that	SCONJ
fsr-3222	60	20	it	it	PRON
fsr-3222	60	21	increases	increase	VERB
fsr-3222	60	22	their	their	PRON
fsr-3222	60	23	search	search	NOUN
fsr-3222	60	24	costs	cost	NOUN
fsr-3222	60	25	.	.	PUNCT
fsr-3222	61	1	their	their	PRON
fsr-3222	61	2	model	model	NOUN
fsr-3222	61	3	is	be	AUX
fsr-3222	61	4	based	base	VERB
fsr-3222	61	5	on	on	ADP
fsr-3222	61	6	obfuscation	obfuscation	NOUN
fsr-3222	61	7	increasing	increase	VERB
fsr-3222	61	8	the	the	DET
fsr-3222	61	9	amount	amount	NOUN
fsr-3222	61	10	of	of	ADP
fsr-3222	61	11	time	time	NOUN
fsr-3222	61	12	it	it	PRON
fsr-3222	61	13	takes	take	VERB
fsr-3222	61	14	for	for	SCONJ
fsr-3222	61	15	consumers	consumer	NOUN
fsr-3222	61	16	to	to	PART
fsr-3222	61	17	discover	discover	VERB
fsr-3222	61	18	prices	price	NOUN
fsr-3222	61	19	.	.	PUNCT
fsr-3222	62	1	the	the	DET
fsr-3222	62	2	analysis	analysis	NOUN
fsr-3222	62	3	in	in	ADP
fsr-3222	62	4	our	our	PRON
fsr-3222	62	5	article	article	NOUN
fsr-3222	62	6	differs	differ	VERB
fsr-3222	62	7	in	in	ADP
fsr-3222	62	8	that	that	SCONJ
fsr-3222	62	9	it	it	PRON
fsr-3222	62	10	focuses	focus	VERB
fsr-3222	62	11	more	more	ADJ
fsr-3222	62	12	on	on	ADP
fsr-3222	62	13	factors	factor	NOUN
fsr-3222	62	14	that	that	PRON
fsr-3222	62	15	make	make	VERB
fsr-3222	62	16	it	it	PRON
fsr-3222	62	17	difficult	difficult	ADJ
fsr-3222	62	18	for	for	SCONJ
fsr-3222	62	19	consumers	consumer	NOUN
fsr-3222	62	20	to	to	PART
fsr-3222	62	21	understand	understand	VERB
fsr-3222	62	22	the	the	DET
fsr-3222	62	23	fees	fee	NOUN
fsr-3222	62	24	that	that	PRON
fsr-3222	62	25	they	they	PRON
fsr-3222	62	26	would	would	AUX
fsr-3222	62	27	be	be	AUX
fsr-3222	62	28	charged	charge	VERB
fsr-3222	62	29	,	,	PUNCT
fsr-3222	62	30	given	give	VERB
fsr-3222	62	31	that	that	SCONJ
fsr-3222	62	32	they	they	PRON
fsr-3222	62	33	have	have	AUX
fsr-3222	62	34	done	do	VERB
fsr-3222	62	35	the	the	DET
fsr-3222	62	36	search	search	NOUN
fsr-3222	62	37	required	require	VERB
fsr-3222	62	38	to	to	PART
fsr-3222	62	39	find	find	VERB
fsr-3222	62	40	that	that	DET
fsr-3222	62	41	information	information	NOUN
fsr-3222	62	42	.	.	PUNCT
fsr-3222	63	1	this	this	DET
fsr-3222	63	2	article	article	NOUN
fsr-3222	63	3	,	,	PUNCT
fsr-3222	63	4	which	which	PRON
fsr-3222	63	5	focuses	focus	VERB
fsr-3222	63	6	on	on	ADP
fsr-3222	63	7	advisory	advisory	ADJ
fsr-3222	63	8	fee	fee	NOUN
fsr-3222	63	9	disclosures	disclosure	NOUN
fsr-3222	63	10	over	over	ADP
fsr-3222	63	11	the	the	DET
fsr-3222	63	12	internet	internet	NOUN
fsr-3222	63	13	,	,	PUNCT
fsr-3222	63	14	also	also	ADV
fsr-3222	63	15	relates	relate	VERB
fsr-3222	63	16	to	to	ADP
fsr-3222	63	17	literature	literature	NOUN
fsr-3222	63	18	on	on	ADP
fsr-3222	63	19	use	use	NOUN
fsr-3222	63	20	of	of	ADP
fsr-3222	63	21	the	the	DET
fsr-3222	63	22	internet	internet	NOUN
fsr-3222	63	23	as	as	ADP
fsr-3222	63	24	a	a	DET
fsr-3222	63	25	search	search	NOUN
fsr-3222	63	26	mechanism	mechanism	NOUN
fsr-3222	63	27	.	.	PUNCT
fsr-3222	64	1	ellison	ellison	PROPN
fsr-3222	64	2	and	and	CCONJ
fsr-3222	64	3	ellison	ellison	PROPN
fsr-3222	64	4	(	(	PUNCT
fsr-3222	64	5	2009	2009	NUM
fsr-3222	64	6	)	)	PUNCT
fsr-3222	64	7	argue	argue	VERB
fsr-3222	64	8	that	that	SCONJ
fsr-3222	64	9	the	the	DET
fsr-3222	64	10	ease	ease	NOUN
fsr-3222	64	11	of	of	ADP
fsr-3222	64	12	search	search	NOUN
fsr-3222	64	13	over	over	ADP
fsr-3222	64	14	the	the	DET
fsr-3222	64	15	internet	internet	NOUN
fsr-3222	64	16	has	have	AUX
fsr-3222	64	17	caused	cause	VERB
fsr-3222	64	18	some	some	DET
fsr-3222	64	19	firms	firm	NOUN
fsr-3222	64	20	to	to	PART
fsr-3222	64	21	increase	increase	VERB
fsr-3222	64	22	the	the	DET
fsr-3222	64	23	obfuscation	obfuscation	NOUN
fsr-3222	64	24	concerning	concern	VERB
fsr-3222	64	25	the	the	DET
fsr-3222	64	26	disclosure	disclosure	NOUN
fsr-3222	64	27	of	of	ADP
fsr-3222	64	28	price	price	NOUN
fsr-3222	64	29	and	and	CCONJ
fsr-3222	64	30	quality	quality	NOUN
fsr-3222	64	31	of	of	ADP
fsr-3222	64	32	products	product	NOUN
fsr-3222	64	33	.	.	PUNCT
fsr-3222	65	1	in	in	ADP
fsr-3222	65	2	an	an	DET
fsr-3222	65	3	analysis	analysis	NOUN
fsr-3222	65	4	of	of	ADP
fsr-3222	65	5	fee	fee	NOUN
fsr-3222	65	6	disclosures	disclosure	NOUN
fsr-3222	65	7	,	,	PUNCT
fsr-3222	65	8	the	the	DET
fsr-3222	65	9	government	government	NOUN
fsr-3222	65	10	accountability	accountability	NOUN
fsr-3222	65	11	office	office	NOUN
fsr-3222	65	12	(	(	PUNCT
fsr-3222	65	13	u.s	u.s	PROPN
fsr-3222	65	14	.	.	PROPN
fsr-3222	65	15	government	government	NOUN
fsr-3222	65	16	accountability	accountability	NOUN
fsr-3222	65	17	office	office	NOUN
fsr-3222	66	1	[	[	X
fsr-3222	66	2	gao	gao	X
fsr-3222	66	3	]	]	X
fsr-3222	66	4	,	,	PUNCT
fsr-3222	66	5	2013	2013	NUM
fsr-3222	66	6	)	)	PUNCT
fsr-3222	66	7	reviewed	review	VERB
fsr-3222	66	8	fee	fee	NOUN
fsr-3222	66	9	disclosures	disclosure	NOUN
fsr-3222	66	10	online	online	ADV
fsr-3222	66	11	for	for	ADP
fsr-3222	66	12	10	10	NUM
fsr-3222	66	13	large	large	ADJ
fsr-3222	66	14	providers	provider	NOUN
fsr-3222	66	15	of	of	ADP
fsr-3222	66	16	individual	individual	ADJ
fsr-3222	66	17	retirement	retirement	NOUN
fsr-3222	66	18	accounts	account	NOUN
fsr-3222	66	19	(	(	PUNCT
fsr-3222	66	20	iras	ira	NOUN
fsr-3222	66	21	)	)	PUNCT
fsr-3222	66	22	.	.	PUNCT
fsr-3222	67	1	it	it	PRON
fsr-3222	67	2	finds	find	VERB
fsr-3222	67	3	that	that	SCONJ
fsr-3222	67	4	fees	fee	NOUN
fsr-3222	67	5	often	often	ADV
fsr-3222	67	6	are	be	AUX
fsr-3222	67	7	disclosed	disclose	VERB
fsr-3222	67	8	in	in	ADP
fsr-3222	67	9	ways	way	NOUN
fsr-3222	67	10	that	that	PRON
fsr-3222	67	11	make	make	VERB
fsr-3222	67	12	them	they	PRON
fsr-3222	67	13	difficult	difficult	ADJ
fsr-3222	67	14	to	to	PART
fsr-3222	67	15	understand	understand	VERB
fsr-3222	67	16	.	.	PUNCT
fsr-3222	68	1	the	the	DET
fsr-3222	68	2	lack	lack	NOUN
fsr-3222	68	3	of	of	ADP
fsr-3222	68	4	transparency	transparency	NOUN
fsr-3222	68	5	involves	involve	VERB
fsr-3222	68	6	a	a	DET
fsr-3222	68	7	number	number	NOUN
fsr-3222	68	8	of	of	ADP
fsr-3222	68	9	different	different	ADJ
fsr-3222	68	10	aspects	aspect	NOUN
fsr-3222	68	11	of	of	ADP
fsr-3222	68	12	the	the	DET
fsr-3222	68	13	disclosures	disclosure	NOUN
fsr-3222	68	14	,	,	PUNCT
fsr-3222	68	15	which	which	PRON
fsr-3222	68	16	may	may	AUX
fsr-3222	68	17	suggest	suggest	VERB
fsr-3222	68	18	a	a	DET
fsr-3222	68	19	strategy	strategy	NOUN
fsr-3222	68	20	of	of	ADP
fsr-3222	68	21	lack	lack	NOUN
fsr-3222	68	22	of	of	ADP
fsr-3222	68	23	transparency	transparency	NOUN
fsr-3222	68	24	in	in	ADP
fsr-3222	68	25	fees	fee	NOUN
fsr-3222	68	26	.	.	PUNCT
fsr-3222	69	1	gao	gao	PROPN
fsr-3222	69	2	finds	find	VERB
fsr-3222	69	3	that	that	SCONJ
fsr-3222	69	4	fee	fee	NOUN
fsr-3222	69	5	information	information	NOUN
fsr-3222	69	6	is	be	AUX
fsr-3222	69	7	generally	generally	ADV
fsr-3222	69	8	scattered	scatter	VERB
fsr-3222	69	9	across	across	ADP
fsr-3222	69	10	the	the	DET
fsr-3222	69	11	providers	provider	NOUN
fsr-3222	69	12	’	'	PUNCT
fsr-3222	69	13	websites	website	NOUN
fsr-3222	69	14	in	in	ADP
fsr-3222	69	15	ways	way	NOUN
fsr-3222	69	16	that	that	PRON
fsr-3222	69	17	make	make	VERB
fsr-3222	69	18	it	it	PRON
fsr-3222	69	19	difficult	difficult	ADJ
fsr-3222	69	20	to	to	PART
fsr-3222	69	21	find	find	VERB
fsr-3222	69	22	all	all	DET
fsr-3222	69	23	the	the	DET
fsr-3222	69	24	applicable	applicable	ADJ
fsr-3222	69	25	fees	fee	NOUN
fsr-3222	69	26	.	.	PUNCT
fsr-3222	70	1	the	the	DET
fsr-3222	70	2	results	result	NOUN
fsr-3222	70	3	of	of	ADP
fsr-3222	70	4	the	the	DET
fsr-3222	70	5	u.s	u.s	PROPN
fsr-3222	70	6	.	.	PROPN
fsr-3222	70	7	gao	gao	PROPN
fsr-3222	70	8	(	(	PUNCT
fsr-3222	70	9	2013	2013	NUM
fsr-3222	70	10	)	)	PUNCT
fsr-3222	70	11	non	non	ADJ
fsr-3222	70	12	-	-	ADJ
fsr-3222	70	13	generalizable	generalizable	ADJ
fsr-3222	70	14	survey	survey	NOUN
fsr-3222	70	15	suggest	suggest	VERB
fsr-3222	70	16	that	that	SCONJ
fsr-3222	70	17	ira	ira	PROPN
fsr-3222	70	18	fees	fee	NOUN
fsr-3222	70	19	are	be	AUX
fsr-3222	70	20	often	often	ADV
fsr-3222	70	21	disclosed	disclose	VERB
fsr-3222	70	22	in	in	ADP
fsr-3222	70	23	ways	way	NOUN
fsr-3222	70	24	that	that	PRON
fsr-3222	70	25	imply	imply	VERB
fsr-3222	70	26	that	that	SCONJ
fsr-3222	70	27	fees	fee	NOUN
fsr-3222	70	28	are	be	AUX
fsr-3222	70	29	not	not	PART
fsr-3222	70	30	important	important	ADJ
fsr-3222	70	31	.	.	PUNCT
fsr-3222	71	1	the	the	DET
fsr-3222	71	2	fees	fee	NOUN
fsr-3222	71	3	are	be	AUX
fsr-3222	71	4	sometimes	sometimes	ADV
fsr-3222	71	5	located	locate	VERB
fsr-3222	71	6	in	in	ADP
fsr-3222	71	7	difficult	difficult	ADJ
fsr-3222	71	8	-	-	PUNCT
fsr-3222	71	9	to	to	PART
fsr-3222	71	10	-	-	PUNCT
fsr-3222	71	11	find	find	VERB
fsr-3222	71	12	places	place	NOUN
fsr-3222	71	13	.	.	PUNCT
fsr-3222	72	1	one	one	NUM
fsr-3222	72	2	example	example	NOUN
fsr-3222	72	3	is	be	AUX
fsr-3222	72	4	fees	fee	NOUN
fsr-3222	72	5	provided	provide	VERB
fsr-3222	72	6	in	in	ADP
fsr-3222	72	7	the	the	DET
fsr-3222	72	8	last	last	ADJ
fsr-3222	72	9	section	section	NOUN
fsr-3222	72	10	of	of	ADP
fsr-3222	72	11	a	a	DET
fsr-3222	72	12	49	49	NUM
fsr-3222	72	13	-	-	PUNCT
fsr-3222	72	14	page	page	NOUN
fsr-3222	72	15	document	document	NOUN
fsr-3222	72	16	.	.	PUNCT
fsr-3222	73	1	that	that	DET
fsr-3222	73	2	section	section	NOUN
fsr-3222	73	3	uses	use	VERB
fsr-3222	73	4	small	small	ADJ
fsr-3222	73	5	font	font	NOUN
fsr-3222	73	6	type	type	NOUN
fsr-3222	73	7	to	to	PART
fsr-3222	73	8	disclose	disclose	VERB
fsr-3222	73	9	the	the	DET
fsr-3222	73	10	information	information	NOUN
fsr-3222	73	11	,	,	PUNCT
fsr-3222	73	12	another	another	DET
fsr-3222	73	13	implicit	implicit	ADJ
fsr-3222	73	14	message	message	NOUN
fsr-3222	73	15	that	that	SCONJ
fsr-3222	73	16	the	the	DET
fsr-3222	73	17	information	information	NOUN
fsr-3222	73	18	is	be	AUX
fsr-3222	73	19	not	not	PART
fsr-3222	73	20	important	important	ADJ
fsr-3222	73	21	.	.	PUNCT
fsr-3222	74	1	fees	fee	NOUN
fsr-3222	74	2	are	be	AUX
fsr-3222	74	3	often	often	ADV
fsr-3222	74	4	located	locate	VERB
fsr-3222	74	5	in	in	ADP
fsr-3222	74	6	footnotes	footnote	NOUN
fsr-3222	74	7	in	in	ADP
fsr-3222	74	8	small	small	ADJ
fsr-3222	74	9	font	font	NOUN
fsr-3222	74	10	type	type	NOUN
fsr-3222	74	11	.	.	PUNCT
fsr-3222	75	1	footnotes	footnote	NOUN
fsr-3222	75	2	generally	generally	ADV
fsr-3222	75	3	are	be	AUX
fsr-3222	75	4	viewed	view	VERB
fsr-3222	75	5	as	as	ADP
fsr-3222	75	6	being	be	AUX
fsr-3222	75	7	reserved	reserve	VERB
fsr-3222	75	8	for	for	ADP
fsr-3222	75	9	technical	technical	ADJ
fsr-3222	75	10	information	information	NOUN
fsr-3222	75	11	that	that	PRON
fsr-3222	75	12	is	be	AUX
fsr-3222	75	13	not	not	PART
fsr-3222	75	14	of	of	ADP
fsr-3222	75	15	interest	interest	NOUN
fsr-3222	75	16	to	to	ADP
fsr-3222	75	17	general	general	ADJ
fsr-3222	75	18	readers	reader	NOUN
fsr-3222	75	19	.	.	PUNCT
fsr-3222	76	1	further	far	ADV
fsr-3222	76	2	obfuscating	obfuscate	VERB
fsr-3222	76	3	the	the	DET
fsr-3222	76	4	fee	fee	NOUN
fsr-3222	76	5	disclosures	disclosure	NOUN
fsr-3222	76	6	,	,	PUNCT
fsr-3222	76	7	often	often	ADV
fsr-3222	76	8	the	the	DET
fsr-3222	76	9	word	word	NOUN
fsr-3222	76	10	“	"	PUNCT
fsr-3222	76	11	fee	fee	NOUN
fsr-3222	76	12	”	"	PUNCT
fsr-3222	76	13	is	be	AUX
fsr-3222	76	14	difficult	difficult	ADJ
fsr-3222	76	15	to	to	PART
fsr-3222	76	16	find	find	VERB
fsr-3222	76	17	.	.	PUNCT
fsr-3222	77	1	black	black	ADJ
fsr-3222	77	2	et	et	PROPN
fsr-3222	77	3	al	al	PROPN
fsr-3222	77	4	.	.	PROPN
fsr-3222	78	1	(	(	PUNCT
fsr-3222	78	2	2002	2002	NUM
fsr-3222	78	3	)	)	PUNCT
fsr-3222	78	4	argue	argue	VERB
fsr-3222	78	5	for	for	ADP
fsr-3222	78	6	comprehensive	comprehensive	ADJ
fsr-3222	78	7	personal	personal	ADJ
fsr-3222	78	8	financial	financial	ADJ
fsr-3222	78	9	planning	planning	NOUN
fsr-3222	78	10	,	,	PUNCT
fsr-3222	78	11	but	but	CCONJ
fsr-3222	78	12	express	express	VERB
fsr-3222	78	13	concern	concern	NOUN
fsr-3222	78	14	that	that	SCONJ
fsr-3222	78	15	such	such	ADJ
fsr-3222	78	16	planning	planning	NOUN
fsr-3222	78	17	services	service	NOUN
fsr-3222	78	18	may	may	AUX
fsr-3222	78	19	lead	lead	VERB
fsr-3222	78	20	to	to	ADP
fsr-3222	78	21	less	less	ADJ
fsr-3222	78	22	transparency	transparency	NOUN
fsr-3222	78	23	in	in	ADP
fsr-3222	78	24	fees	fee	NOUN
fsr-3222	78	25	.	.	PUNCT
fsr-3222	79	1	hung	hang	VERB
fsr-3222	79	2	et	et	PROPN
fsr-3222	79	3	al	al	PROPN
fsr-3222	79	4	.	.	PROPN
fsr-3222	80	1	(	(	PUNCT
fsr-3222	80	2	2008	2008	NUM
fsr-3222	80	3	)	)	PUNCT
fsr-3222	80	4	conduct	conduct	VERB
fsr-3222	80	5	a	a	DET
fsr-3222	80	6	study	study	NOUN
fsr-3222	80	7	for	for	ADP
fsr-3222	80	8	the	the	DET
fsr-3222	80	9	securities	securities	PROPN
fsr-3222	80	10	and	and	CCONJ
fsr-3222	80	11	exchange	exchange	PROPN
fsr-3222	80	12	commission	commission	PROPN
fsr-3222	80	13	(	(	PUNCT
fsr-3222	80	14	sec	sec	PROPN
fsr-3222	80	15	)	)	PUNCT
fsr-3222	80	16	.	.	PUNCT
fsr-3222	81	1	their	their	PRON
fsr-3222	81	2	main	main	ADJ
fsr-3222	81	3	purpose	purpose	NOUN
fsr-3222	81	4	is	be	AUX
fsr-3222	81	5	to	to	PART
fsr-3222	81	6	provide	provide	VERB
fsr-3222	81	7	the	the	DET
fsr-3222	81	8	sec	sec	PROPN
fsr-3222	81	9	with	with	ADP
fsr-3222	81	10	a	a	DET
fsr-3222	81	11	factual	factual	ADJ
fsr-3222	81	12	description	description	NOUN
fsr-3222	81	13	of	of	ADP
fsr-3222	81	14	the	the	DET
fsr-3222	81	15	investment	investment	NOUN
fsr-3222	81	16	advisory	advisory	ADJ
fsr-3222	81	17	and	and	CCONJ
fsr-3222	81	18	brokerage	brokerage	NOUN
fsr-3222	81	19	industries	industry	NOUN
fsr-3222	81	20	to	to	PART
fsr-3222	81	21	assist	assist	VERB
fsr-3222	81	22	the	the	DET
fsr-3222	81	23	sec	sec	PROPN
fsr-3222	81	24	in	in	ADP
fsr-3222	81	25	its	its	PRON
fsr-3222	81	26	evaluation	evaluation	NOUN
fsr-3222	81	27	of	of	ADP
fsr-3222	81	28	the	the	DET
fsr-3222	81	29	legal	legal	ADJ
fsr-3222	81	30	and	and	CCONJ
fsr-3222	81	31	regulatory	regulatory	ADJ
fsr-3222	81	32	environment	environment	NOUN
fsr-3222	81	33	concerning	concern	VERB
fsr-3222	81	34	investment	investment	NOUN
fsr-3222	81	35	professionals	professional	NOUN
fsr-3222	81	36	.	.	PUNCT
fsr-3222	82	1	in	in	ADP
fsr-3222	82	2	their	their	PRON
fsr-3222	82	3	survey	survey	NOUN
fsr-3222	82	4	of	of	ADP
fsr-3222	82	5	investors	investor	NOUN
fsr-3222	82	6	,	,	PUNCT
fsr-3222	82	7	they	they	PRON
fsr-3222	82	8	find	find	VERB
fsr-3222	82	9	that	that	SCONJ
fsr-3222	82	10	many	many	ADJ
fsr-3222	82	11	investors	investor	NOUN
fsr-3222	82	12	find	find	VERB
fsr-3222	82	13	the	the	DET
fsr-3222	82	14	disclosures	disclosure	NOUN
fsr-3222	82	15	provided	provide	VERB
fsr-3222	82	16	by	by	ADP
fsr-3222	82	17	financial	financial	ADJ
fsr-3222	82	18	advisers	adviser	NOUN
fsr-3222	82	19	to	to	PART
fsr-3222	82	20	be	be	AUX
fsr-3222	82	21	difficult	difficult	ADJ
fsr-3222	82	22	to	to	PART
fsr-3222	82	23	understand	understand	VERB
fsr-3222	82	24	.	.	PUNCT
fsr-3222	83	1	starr	starr	PROPN
fsr-3222	83	2	(	(	PUNCT
fsr-3222	83	3	2010	2010	NUM
fsr-3222	83	4	)	)	PUNCT
fsr-3222	83	5	examines	examine	VERB
fsr-3222	83	6	issues	issue	NOUN
fsr-3222	83	7	relating	relate	VERB
fsr-3222	83	8	to	to	ADP
fsr-3222	83	9	fees	fee	NOUN
fsr-3222	83	10	in	in	ADP
fsr-3222	83	11	403(b	403(b	PROPN
fsr-3222	83	12	)	)	PUNCT
fsr-3222	83	13	plans	plan	NOUN
fsr-3222	83	14	in	in	ADP
fsr-3222	83	15	the	the	DET
fsr-3222	83	16	public	public	ADJ
fsr-3222	83	17	and	and	CCONJ
fsr-3222	83	18	nonprofit	nonprofit	ADJ
fsr-3222	83	19	sectors	sector	NOUN
fsr-3222	83	20	.	.	PUNCT
fsr-3222	84	1	mazzoli	mazzoli	PROPN
fsr-3222	84	2	and	and	CCONJ
fsr-3222	84	3	nicolini	nicolini	PROPN
fsr-3222	84	4	(	(	PUNCT
fsr-3222	84	5	2010	2010	NUM
fsr-3222	84	6	)	)	PUNCT
fsr-3222	84	7	investigate	investigate	VERB
fsr-3222	84	8	determinants	determinant	NOUN
fsr-3222	84	9	of	of	ADP
fsr-3222	84	10	the	the	DET
fsr-3222	84	11	financial	financial	ADJ
fsr-3222	84	12	adviser	adviser	NOUN
fsr-3222	84	13	’s	’s	PART
fsr-3222	84	14	choice	choice	NOUN
fsr-3222	84	15	relating	relate	VERB
fsr-3222	84	16	to	to	ADP
fsr-3222	84	17	the	the	DET
fsr-3222	84	18	transparency	transparency	NOUN
fsr-3222	84	19	versus	versus	ADP
fsr-3222	84	20	opaqueness	opaqueness	NOUN
fsr-3222	84	21	of	of	ADP
fsr-3222	84	22	pricing	pricing	NOUN
fsr-3222	84	23	policy	policy	NOUN
fsr-3222	84	24	for	for	ADP
fsr-3222	84	25	financial	financial	ADJ
fsr-3222	84	26	advice	advice	NOUN
fsr-3222	84	27	using	use	VERB
fsr-3222	84	28	italian	italian	ADJ
fsr-3222	84	29	data	datum	NOUN
fsr-3222	84	30	.	.	PUNCT
fsr-3222	85	1	they	they	PRON
fsr-3222	85	2	do	do	AUX
fsr-3222	85	3	not	not	PART
fsr-3222	85	4	include	include	VERB
fsr-3222	85	5	the	the	DET
fsr-3222	85	6	level	level	NOUN
fsr-3222	85	7	of	of	ADP
fsr-3222	85	8	fees	fee	NOUN
fsr-3222	85	9	as	as	ADP
fsr-3222	85	10	a	a	DET
fsr-3222	85	11	factor	factor	NOUN
fsr-3222	85	12	explaining	explain	VERB
fsr-3222	85	13	the	the	DET
fsr-3222	85	14	degree	degree	NOUN
fsr-3222	85	15	of	of	ADP
fsr-3222	85	16	opaqueness	opaqueness	NOUN
fsr-3222	85	17	of	of	ADP
fsr-3222	85	18	the	the	DET
fsr-3222	85	19	fee	fee	NOUN
fsr-3222	85	20	structure	structure	NOUN
fsr-3222	85	21	.	.	PUNCT
fsr-3222	86	1	they	they	PRON
fsr-3222	86	2	measure	measure	VERB
fsr-3222	86	3	opaqueness	opaqueness	NOUN
fsr-3222	86	4	by	by	ADP
fsr-3222	86	5	a	a	DET
fsr-3222	86	6	binomial	binomial	ADJ
fsr-3222	86	7	variable	variable	NOUN
fsr-3222	86	8	that	that	PRON
fsr-3222	86	9	is	be	AUX
fsr-3222	86	10	categorized	categorize	VERB
fsr-3222	86	11	as	as	ADP
fsr-3222	86	12	opaque	opaque	ADJ
fsr-3222	86	13	if	if	SCONJ
fsr-3222	86	14	the	the	DET
fsr-3222	86	15	advisory	advisory	ADJ
fsr-3222	86	16	fee	fee	NOUN
fsr-3222	86	17	is	be	AUX
fsr-3222	86	18	not	not	PART
fsr-3222	86	19	charged	charge	VERB
fsr-3222	86	20	as	as	ADP
fsr-3222	86	21	a	a	DET
fsr-3222	86	22	separate	separate	ADJ
fsr-3222	86	23	element	element	NOUN
fsr-3222	86	24	but	but	CCONJ
fsr-3222	86	25	is	be	AUX
fsr-3222	86	26	part	part	NOUN
fsr-3222	86	27	of	of	ADP
fsr-3222	86	28	other	other	ADJ
fsr-3222	86	29	fees	fee	NOUN
fsr-3222	86	30	.	.	PUNCT
fsr-3222	87	1	thus	thus	ADV
fsr-3222	87	2	,	,	PUNCT
fsr-3222	87	3	they	they	PRON
fsr-3222	87	4	do	do	AUX
fsr-3222	87	5	not	not	PART
fsr-3222	87	6	measure	measure	VERB
fsr-3222	87	7	degrees	degree	NOUN
fsr-3222	87	8	of	of	ADP
fsr-3222	87	9	opaqueness	opaqueness	NOUN
fsr-3222	87	10	for	for	ADP
fsr-3222	87	11	advisers	adviser	NOUN
fsr-3222	87	12	who	who	PRON
fsr-3222	87	13	charge	charge	VERB
fsr-3222	87	14	fees	fee	NOUN
fsr-3222	87	15	as	as	ADP
fsr-3222	87	16	a	a	DET
fsr-3222	87	17	percentage	percentage	NOUN
fsr-3222	87	18	of	of	ADP
fsr-3222	87	19	assets	asset	NOUN
fsr-3222	87	20	,	,	PUNCT
fsr-3222	87	21	but	but	CCONJ
fsr-3222	87	22	consider	consider	VERB
fsr-3222	87	23	all	all	DET
fsr-3222	87	24	disclosures	disclosure	NOUN
fsr-3222	87	25	of	of	ADP
fsr-3222	87	26	that	that	DET
fsr-3222	87	27	type	type	NOUN
fsr-3222	87	28	of	of	ADP
fsr-3222	87	29	fees	fee	NOUN
fsr-3222	87	30	as	as	ADV
fsr-3222	87	31	transparent	transparent	ADJ
fsr-3222	87	32	.	.	PUNCT
fsr-3222	88	1	almost	almost	ADV
fsr-3222	88	2	all	all	PRON
fsr-3222	88	3	investment	investment	NOUN
fsr-3222	88	4	advisers	adviser	NOUN
fsr-3222	88	5	charge	charge	VERB
fsr-3222	88	6	fees	fee	NOUN
fsr-3222	88	7	based	base	VERB
fsr-3222	88	8	on	on	ADP
fsr-3222	88	9	assets	asset	NOUN
fsr-3222	88	10	under	under	ADP
fsr-3222	88	11	management	management	NOUN
fsr-3222	88	12	,	,	PUNCT
fsr-3222	88	13	and	and	CCONJ
fsr-3222	88	14	thus	thus	ADV
fsr-3222	88	15	their	their	PRON
fsr-3222	88	16	fee	fee	NOUN
fsr-3222	88	17	218	218	NUM
fsr-3222	88	18	l.a	l.a	PROPN
fsr-3222	88	19	.	.	PROPN
fsr-3222	88	20	muller	muller	PROPN
fsr-3222	88	21	,	,	PUNCT
fsr-3222	88	22	j.a	j.a	PROPN
fsr-3222	88	23	.	.	PROPN
fsr-3222	88	24	turner	turner	PROPN
fsr-3222	88	25	/	/	SYM
fsr-3222	88	26	financial	financial	ADJ
fsr-3222	88	27	services	service	NOUN
fsr-3222	88	28	review	review	VERB
fsr-3222	88	29	25	25	NUM
fsr-3222	88	30	(	(	PUNCT
fsr-3222	88	31	2016	2016	NUM
fsr-3222	88	32	)	)	PUNCT
fsr-3222	88	33	215–234	215–234	NUM
fsr-3222	88	34	disclosures	disclosure	NOUN
fsr-3222	88	35	are	be	AUX
fsr-3222	88	36	considered	consider	VERB
fsr-3222	88	37	to	to	PART
fsr-3222	88	38	be	be	AUX
fsr-3222	88	39	transparent	transparent	ADJ
fsr-3222	88	40	.	.	PUNCT
fsr-3222	89	1	lachance	lachance	PROPN
fsr-3222	89	2	and	and	CCONJ
fsr-3222	89	3	tang	tang	PROPN
fsr-3222	89	4	(	(	PUNCT
fsr-3222	89	5	2012	2012	NUM
fsr-3222	89	6	)	)	PUNCT
fsr-3222	89	7	find	find	VERB
fsr-3222	89	8	that	that	SCONJ
fsr-3222	89	9	trust	trust	NOUN
fsr-3222	89	10	is	be	AUX
fsr-3222	89	11	a	a	DET
fsr-3222	89	12	factor	factor	NOUN
fsr-3222	89	13	in	in	ADP
fsr-3222	89	14	the	the	DET
fsr-3222	89	15	use	use	NOUN
fsr-3222	89	16	of	of	ADP
fsr-3222	89	17	financial	financial	ADJ
fsr-3222	89	18	advisers	adviser	NOUN
fsr-3222	89	19	.	.	PUNCT
fsr-3222	90	1	it	it	PRON
fsr-3222	90	2	may	may	AUX
fsr-3222	90	3	also	also	ADV
fsr-3222	90	4	be	be	AUX
fsr-3222	90	5	a	a	DET
fsr-3222	90	6	factor	factor	NOUN
fsr-3222	90	7	in	in	ADP
fsr-3222	90	8	the	the	DET
fsr-3222	90	9	use	use	NOUN
fsr-3222	90	10	of	of	ADP
fsr-3222	90	11	financial	financial	ADJ
fsr-3222	90	12	advisers	adviser	NOUN
fsr-3222	90	13	who	who	PRON
fsr-3222	90	14	have	have	VERB
fsr-3222	90	15	opaque	opaque	ADJ
fsr-3222	90	16	fee	fee	NOUN
fsr-3222	90	17	disclosures	disclosure	NOUN
fsr-3222	90	18	.	.	PUNCT
fsr-3222	91	1	a	a	DET
fsr-3222	91	2	study	study	NOUN
fsr-3222	91	3	of	of	ADP
fsr-3222	91	4	consumers	consumer	NOUN
fsr-3222	91	5	’	’	PART
fsr-3222	91	6	shopping	shopping	NOUN
fsr-3222	91	7	strategies	strategy	NOUN
fsr-3222	91	8	for	for	ADP
fsr-3222	91	9	medicare	medicare	PROPN
fsr-3222	91	10	part	part	NOUN
fsr-3222	91	11	d	d	NOUN
fsr-3222	91	12	policies	policy	NOUN
fsr-3222	91	13	finds	find	VERB
fsr-3222	91	14	that	that	SCONJ
fsr-3222	91	15	insurers	insurer	NOUN
fsr-3222	91	16	profit	profit	VERB
fsr-3222	91	17	when	when	SCONJ
fsr-3222	91	18	consumers	consumer	NOUN
fsr-3222	91	19	fail	fail	VERB
fsr-3222	91	20	to	to	PART
fsr-3222	91	21	shop	shop	VERB
fsr-3222	91	22	around	around	ADP
fsr-3222	91	23	for	for	ADP
fsr-3222	91	24	the	the	DET
fsr-3222	91	25	best	well	ADV
fsr-3222	91	26	priced	price	VERB
fsr-3222	91	27	products	product	NOUN
fsr-3222	91	28	(	(	PUNCT
fsr-3222	91	29	ho	ho	PROPN
fsr-3222	91	30	,	,	PUNCT
fsr-3222	91	31	hogan	hogan	PROPN
fsr-3222	91	32	,	,	PUNCT
fsr-3222	91	33	and	and	CCONJ
fsr-3222	91	34	morton	morton	PROPN
fsr-3222	91	35	2015	2015	NUM
fsr-3222	91	36	)	)	PUNCT
fsr-3222	91	37	.	.	PUNCT
fsr-3222	92	1	we	we	PRON
fsr-3222	92	2	argue	argue	VERB
fsr-3222	92	3	in	in	ADP
fsr-3222	92	4	our	our	PRON
fsr-3222	92	5	article	article	NOUN
fsr-3222	92	6	that	that	SCONJ
fsr-3222	92	7	some	some	DET
fsr-3222	92	8	mutual	mutual	ADJ
fsr-3222	92	9	fund	fund	NOUN
fsr-3222	92	10	providers	provider	NOUN
fsr-3222	92	11	encourage	encourage	VERB
fsr-3222	92	12	that	that	DET
fsr-3222	92	13	result	result	NOUN
fsr-3222	92	14	by	by	ADP
fsr-3222	92	15	making	make	VERB
fsr-3222	92	16	information	information	NOUN
fsr-3222	92	17	on	on	ADP
fsr-3222	92	18	fees	fee	NOUN
fsr-3222	92	19	difficult	difficult	ADJ
fsr-3222	92	20	to	to	PART
fsr-3222	92	21	find	find	VERB
fsr-3222	92	22	and	and	CCONJ
fsr-3222	92	23	difficult	difficult	ADJ
fsr-3222	92	24	to	to	PART
fsr-3222	92	25	understand	understand	VERB
fsr-3222	92	26	.	.	PUNCT
fsr-3222	93	1	4	4	X
fsr-3222	93	2	.	.	X
fsr-3222	93	3	complexity	complexity	NOUN
fsr-3222	93	4	in	in	ADP
fsr-3222	93	5	language	language	NOUN
fsr-3222	93	6	in	in	ADP
fsr-3222	93	7	1998	1998	NUM
fsr-3222	93	8	,	,	PUNCT
fsr-3222	93	9	the	the	DET
fsr-3222	93	10	securities	securities	PROPN
fsr-3222	93	11	and	and	CCONJ
fsr-3222	93	12	exchange	exchange	PROPN
fsr-3222	93	13	commission	commission	PROPN
fsr-3222	93	14	adopted	adopt	VERB
fsr-3222	93	15	rules	rule	NOUN
fsr-3222	93	16	on	on	ADP
fsr-3222	93	17	plain	plain	ADJ
fsr-3222	93	18	english	english	ADJ
fsr-3222	93	19	disclosure	disclosure	NOUN
fsr-3222	93	20	in	in	ADP
fsr-3222	93	21	financial	financial	ADJ
fsr-3222	93	22	reports	report	NOUN
fsr-3222	93	23	.	.	PUNCT
fsr-3222	94	1	the	the	DET
fsr-3222	94	2	underlying	underlie	VERB
fsr-3222	94	3	argument	argument	NOUN
fsr-3222	94	4	behind	behind	ADP
fsr-3222	94	5	the	the	DET
fsr-3222	94	6	rules	rule	NOUN
fsr-3222	94	7	is	be	AUX
fsr-3222	94	8	that	that	SCONJ
fsr-3222	94	9	(	(	PUNCT
fsr-3222	94	10	1	1	X
fsr-3222	94	11	)	)	PUNCT
fsr-3222	94	12	firms	firm	NOUN
fsr-3222	94	13	could	could	AUX
fsr-3222	94	14	use	use	VERB
fsr-3222	94	15	vague	vague	ADJ
fsr-3222	94	16	language	language	NOUN
fsr-3222	94	17	to	to	PART
fsr-3222	94	18	hide	hide	VERB
fsr-3222	94	19	adverse	adverse	ADJ
fsr-3222	94	20	information	information	NOUN
fsr-3222	94	21	,	,	PUNCT
fsr-3222	94	22	and	and	CCONJ
fsr-3222	94	23	(	(	PUNCT
fsr-3222	94	24	2	2	X
fsr-3222	94	25	)	)	PUNCT
fsr-3222	94	26	the	the	DET
fsr-3222	94	27	average	average	ADJ
fsr-3222	94	28	investor	investor	NOUN
fsr-3222	94	29	may	may	AUX
fsr-3222	94	30	not	not	PART
fsr-3222	94	31	understand	understand	VERB
fsr-3222	94	32	complex	complex	ADJ
fsr-3222	94	33	disclosures	disclosure	NOUN
fsr-3222	94	34	,	,	PUNCT
fsr-3222	94	35	which	which	PRON
fsr-3222	94	36	could	could	AUX
fsr-3222	94	37	reduce	reduce	VERB
fsr-3222	94	38	the	the	DET
fsr-3222	94	39	efficiency	efficiency	NOUN
fsr-3222	94	40	of	of	ADP
fsr-3222	94	41	financial	financial	ADJ
fsr-3222	94	42	markets	market	NOUN
fsr-3222	94	43	(	(	PUNCT
fsr-3222	94	44	li	li	PROPN
fsr-3222	94	45	,	,	PUNCT
fsr-3222	94	46	2008	2008	NUM
fsr-3222	94	47	)	)	PUNCT
fsr-3222	94	48	.	.	PUNCT
fsr-3222	95	1	a	a	DET
fsr-3222	95	2	possible	possible	ADJ
fsr-3222	95	3	alternative	alternative	ADJ
fsr-3222	95	4	motivation	motivation	NOUN
fsr-3222	95	5	for	for	ADP
fsr-3222	95	6	the	the	DET
fsr-3222	95	7	use	use	NOUN
fsr-3222	95	8	of	of	ADP
fsr-3222	95	9	complex	complex	ADJ
fsr-3222	95	10	terminology	terminology	NOUN
fsr-3222	95	11	in	in	ADP
fsr-3222	95	12	disclosures	disclosure	NOUN
fsr-3222	95	13	is	be	AUX
fsr-3222	95	14	that	that	SCONJ
fsr-3222	95	15	it	it	PRON
fsr-3222	95	16	may	may	AUX
fsr-3222	95	17	impress	impress	VERB
fsr-3222	95	18	some	some	DET
fsr-3222	95	19	clients	client	NOUN
fsr-3222	95	20	as	as	ADP
fsr-3222	95	21	to	to	ADP
fsr-3222	95	22	the	the	DET
fsr-3222	95	23	sophistication	sophistication	NOUN
fsr-3222	95	24	of	of	ADP
fsr-3222	95	25	the	the	DET
fsr-3222	95	26	service	service	NOUN
fsr-3222	95	27	provider	provider	NOUN
fsr-3222	95	28	and	and	CCONJ
fsr-3222	95	29	the	the	DET
fsr-3222	95	30	difficulty	difficulty	NOUN
fsr-3222	95	31	of	of	ADP
fsr-3222	95	32	the	the	DET
fsr-3222	95	33	subject	subject	NOUN
fsr-3222	95	34	.	.	PUNCT
fsr-3222	96	1	the	the	DET
fsr-3222	96	2	client	client	NOUN
fsr-3222	96	3	may	may	AUX
fsr-3222	96	4	view	view	VERB
fsr-3222	96	5	the	the	DET
fsr-3222	96	6	apparent	apparent	ADJ
fsr-3222	96	7	difficulty	difficulty	NOUN
fsr-3222	96	8	of	of	ADP
fsr-3222	96	9	the	the	DET
fsr-3222	96	10	subject	subject	NOUN
fsr-3222	96	11	as	as	ADP
fsr-3222	96	12	the	the	DET
fsr-3222	96	13	barrier	barrier	NOUN
fsr-3222	96	14	to	to	ADP
fsr-3222	96	15	comprehension	comprehension	NOUN
fsr-3222	96	16	,	,	PUNCT
fsr-3222	96	17	rather	rather	ADV
fsr-3222	96	18	than	than	ADP
fsr-3222	96	19	viewing	view	VERB
fsr-3222	96	20	the	the	DET
fsr-3222	96	21	barrier	barrier	NOUN
fsr-3222	96	22	as	as	ADP
fsr-3222	96	23	being	be	AUX
fsr-3222	96	24	because	because	SCONJ
fsr-3222	96	25	of	of	ADP
fsr-3222	96	26	strategic	strategic	ADJ
fsr-3222	96	27	complexity	complexity	NOUN
fsr-3222	96	28	in	in	ADP
fsr-3222	96	29	choice	choice	NOUN
fsr-3222	96	30	of	of	ADP
fsr-3222	96	31	language	language	NOUN
fsr-3222	96	32	and	and	CCONJ
fsr-3222	96	33	expression	expression	NOUN
fsr-3222	96	34	.	.	PUNCT
fsr-3222	97	1	complexity	complexity	NOUN
fsr-3222	97	2	can	can	AUX
fsr-3222	97	3	take	take	VERB
fsr-3222	97	4	the	the	DET
fsr-3222	97	5	form	form	NOUN
fsr-3222	97	6	of	of	ADP
fsr-3222	97	7	increasing	increase	VERB
fsr-3222	97	8	the	the	DET
fsr-3222	97	9	amount	amount	NOUN
fsr-3222	97	10	of	of	ADP
fsr-3222	97	11	time	time	NOUN
fsr-3222	97	12	it	it	PRON
fsr-3222	97	13	takes	take	VERB
fsr-3222	97	14	to	to	PART
fsr-3222	97	15	find	find	VERB
fsr-3222	97	16	fee	fee	NOUN
fsr-3222	97	17	information	information	NOUN
fsr-3222	97	18	.	.	PUNCT
fsr-3222	98	1	it	it	PRON
fsr-3222	98	2	can	can	AUX
fsr-3222	98	3	also	also	ADV
fsr-3222	98	4	take	take	VERB
fsr-3222	98	5	the	the	DET
fsr-3222	98	6	form	form	NOUN
fsr-3222	98	7	of	of	ADP
fsr-3222	98	8	increasing	increase	VERB
fsr-3222	98	9	the	the	DET
fsr-3222	98	10	amount	amount	NOUN
fsr-3222	98	11	of	of	ADP
fsr-3222	98	12	time	time	NOUN
fsr-3222	98	13	it	it	PRON
fsr-3222	98	14	takes	take	VERB
fsr-3222	98	15	to	to	PART
fsr-3222	98	16	understand	understand	VERB
fsr-3222	98	17	fee	fee	NOUN
fsr-3222	98	18	information	information	NOUN
fsr-3222	98	19	,	,	PUNCT
fsr-3222	98	20	which	which	PRON
fsr-3222	98	21	would	would	AUX
fsr-3222	98	22	reduce	reduce	VERB
fsr-3222	98	23	the	the	DET
fsr-3222	98	24	likelihood	likelihood	NOUN
fsr-3222	98	25	that	that	SCONJ
fsr-3222	98	26	fee	fee	NOUN
fsr-3222	98	27	information	information	NOUN
fsr-3222	98	28	will	will	AUX
fsr-3222	98	29	be	be	AUX
fsr-3222	98	30	understood	understand	VERB
fsr-3222	98	31	.	.	PUNCT
fsr-3222	99	1	this	this	DET
fsr-3222	99	2	section	section	NOUN
fsr-3222	99	3	focuses	focus	VERB
fsr-3222	99	4	on	on	ADP
fsr-3222	99	5	complexity	complexity	NOUN
fsr-3222	99	6	that	that	PRON
fsr-3222	99	7	reduces	reduce	VERB
fsr-3222	99	8	the	the	DET
fsr-3222	99	9	likelihood	likelihood	NOUN
fsr-3222	99	10	that	that	SCONJ
fsr-3222	99	11	fee	fee	NOUN
fsr-3222	99	12	information	information	NOUN
fsr-3222	99	13	will	will	AUX
fsr-3222	99	14	be	be	AUX
fsr-3222	99	15	understood	understand	VERB
fsr-3222	99	16	.	.	PUNCT
fsr-3222	100	1	linguists	linguist	NOUN
fsr-3222	100	2	have	have	AUX
fsr-3222	100	3	studied	study	VERB
fsr-3222	100	4	complexity	complexity	NOUN
fsr-3222	100	5	in	in	ADP
fsr-3222	100	6	language	language	NOUN
fsr-3222	100	7	and	and	CCONJ
fsr-3222	100	8	have	have	AUX
fsr-3222	100	9	developed	develop	VERB
fsr-3222	100	10	empirical	empirical	ADJ
fsr-3222	100	11	measures	measure	NOUN
fsr-3222	100	12	of	of	ADP
fsr-3222	100	13	complexity	complexity	NOUN
fsr-3222	100	14	.	.	PUNCT
fsr-3222	101	1	these	these	DET
fsr-3222	101	2	measures	measure	NOUN
fsr-3222	101	3	rate	rate	NOUN
fsr-3222	101	4	written	write	VERB
fsr-3222	101	5	documents	document	NOUN
fsr-3222	101	6	as	as	ADP
fsr-3222	101	7	to	to	ADP
fsr-3222	101	8	the	the	DET
fsr-3222	101	9	grade	grade	NOUN
fsr-3222	101	10	level	level	NOUN
fsr-3222	101	11	of	of	ADP
fsr-3222	101	12	education	education	NOUN
fsr-3222	101	13	required	require	VERB
fsr-3222	101	14	to	to	PART
fsr-3222	101	15	understand	understand	VERB
fsr-3222	101	16	them	they	PRON
fsr-3222	101	17	.	.	PUNCT
fsr-3222	102	1	these	these	DET
fsr-3222	102	2	measures	measure	NOUN
fsr-3222	102	3	generally	generally	ADV
fsr-3222	102	4	take	take	VERB
fsr-3222	102	5	into	into	ADP
fsr-3222	102	6	account	account	NOUN
fsr-3222	102	7	sentence	sentence	NOUN
fsr-3222	102	8	length	length	NOUN
fsr-3222	102	9	and	and	CCONJ
fsr-3222	102	10	the	the	DET
fsr-3222	102	11	difficulty	difficulty	NOUN
fsr-3222	102	12	of	of	ADP
fsr-3222	102	13	the	the	DET
fsr-3222	102	14	vocabulary	vocabulary	NOUN
fsr-3222	102	15	used	use	VERB
fsr-3222	102	16	.	.	PUNCT
fsr-3222	103	1	longer	long	ADJ
fsr-3222	103	2	sentences	sentence	NOUN
fsr-3222	103	3	are	be	AUX
fsr-3222	103	4	viewed	view	VERB
fsr-3222	103	5	as	as	ADP
fsr-3222	103	6	increasing	increase	VERB
fsr-3222	103	7	the	the	DET
fsr-3222	103	8	complexity	complexity	NOUN
fsr-3222	103	9	of	of	ADP
fsr-3222	103	10	language	language	NOUN
fsr-3222	103	11	.	.	PUNCT
fsr-3222	104	1	use	use	NOUN
fsr-3222	104	2	of	of	ADP
fsr-3222	104	3	jargon	jargon	NOUN
fsr-3222	104	4	or	or	CCONJ
fsr-3222	104	5	specialized	specialized	ADJ
fsr-3222	104	6	terminology	terminology	NOUN
fsr-3222	104	7	is	be	AUX
fsr-3222	104	8	one	one	NUM
fsr-3222	104	9	aspect	aspect	NOUN
fsr-3222	104	10	of	of	ADP
fsr-3222	104	11	the	the	DET
fsr-3222	104	12	difficulty	difficulty	NOUN
fsr-3222	104	13	of	of	ADP
fsr-3222	104	14	the	the	DET
fsr-3222	104	15	vocabulary	vocabulary	NOUN
fsr-3222	104	16	used	use	VERB
fsr-3222	104	17	.	.	PUNCT
fsr-3222	105	1	one	one	NUM
fsr-3222	105	2	commonly	commonly	ADV
fsr-3222	105	3	used	use	VERB
fsr-3222	105	4	measure	measure	NOUN
fsr-3222	105	5	for	for	ADP
fsr-3222	105	6	assessing	assess	VERB
fsr-3222	105	7	complexity	complexity	NOUN
fsr-3222	105	8	in	in	ADP
fsr-3222	105	9	the	the	DET
fsr-3222	105	10	english	english	ADJ
fsr-3222	105	11	language	language	NOUN
fsr-3222	105	12	is	be	AUX
fsr-3222	105	13	the	the	DET
fsr-3222	105	14	dale	dale	NOUN
fsr-3222	105	15	-	-	PUNCT
fsr-3222	105	16	chall	chall	NOUN
fsr-3222	105	17	readability	readability	NOUN
fsr-3222	105	18	score	score	NOUN
fsr-3222	105	19	(	(	PUNCT
fsr-3222	105	20	dale	dale	NOUN
fsr-3222	105	21	and	and	CCONJ
fsr-3222	105	22	chall	chall	NOUN
fsr-3222	105	23	,	,	PUNCT
fsr-3222	105	24	1948	1948	NUM
fsr-3222	105	25	)	)	PUNCT
fsr-3222	105	26	.	.	PUNCT
fsr-3222	106	1	the	the	DET
fsr-3222	106	2	formula	formula	NOUN
fsr-3222	106	3	that	that	PRON
fsr-3222	106	4	produces	produce	VERB
fsr-3222	106	5	that	that	SCONJ
fsr-3222	106	6	score	score	NOUN
fsr-3222	106	7	is	be	AUX
fsr-3222	106	8	score	score	NOUN
fsr-3222	106	9	�	�	PROPN
fsr-3222	106	10	(	(	PUNCT
fsr-3222	106	11	0.1579	0.1579	NUM
fsr-3222	106	12	�	�	PROPN
fsr-3222	106	13	pdw	pdw	PROPN
fsr-3222	106	14	)	)	PUNCT
fsr-3222	106	15	�	�	PROPN
fsr-3222	106	16	(	(	PUNCT
fsr-3222	106	17	0.0496	0.0496	NUM
fsr-3222	106	18	�	�	PROPN
fsr-3222	106	19	asl	asl	PROPN
fsr-3222	106	20	)	)	PUNCT
fsr-3222	106	21	�	�	PROPN
fsr-3222	106	22	3.6365	3.6365	NUM
fsr-3222	106	23	(	(	PUNCT
fsr-3222	106	24	1	1	NUM
fsr-3222	106	25	)	)	PUNCT
fsr-3222	106	26	where	where	SCONJ
fsr-3222	106	27	pdw	pdw	NOUN
fsr-3222	106	28	is	be	AUX
fsr-3222	106	29	percentage	percentage	NOUN
fsr-3222	106	30	of	of	ADP
fsr-3222	106	31	difficult	difficult	ADJ
fsr-3222	106	32	words	word	NOUN
fsr-3222	106	33	and	and	CCONJ
fsr-3222	106	34	asl	asl	NOUN
fsr-3222	106	35	is	be	AUX
fsr-3222	106	36	average	average	ADJ
fsr-3222	106	37	sentence	sentence	NOUN
fsr-3222	106	38	length.1	length.1	VERB
fsr-3222	106	39	in	in	ADP
fsr-3222	106	40	using	use	VERB
fsr-3222	106	41	the	the	DET
fsr-3222	106	42	formula	formula	NOUN
fsr-3222	106	43	,	,	PUNCT
fsr-3222	106	44	10	10	NUM
fsr-3222	106	45	%	%	NOUN
fsr-3222	106	46	for	for	ADP
fsr-3222	106	47	pdw	pdw	NOUN
fsr-3222	106	48	would	would	AUX
fsr-3222	106	49	be	be	AUX
fsr-3222	106	50	entered	enter	VERB
fsr-3222	106	51	as	as	ADP
fsr-3222	106	52	10	10	NUM
fsr-3222	106	53	.	.	PUNCT
fsr-3222	107	1	the	the	DET
fsr-3222	107	2	score	score	NOUN
fsr-3222	107	3	is	be	AUX
fsr-3222	107	4	then	then	ADV
fsr-3222	107	5	translated	translate	VERB
fsr-3222	107	6	into	into	ADP
fsr-3222	107	7	a	a	DET
fsr-3222	107	8	grade	grade	NOUN
fsr-3222	107	9	level	level	NOUN
fsr-3222	107	10	(	(	PUNCT
fsr-3222	107	11	see	see	VERB
fsr-3222	107	12	table	table	NOUN
fsr-3222	107	13	1	1	NUM
fsr-3222	107	14	)	)	PUNCT
fsr-3222	107	15	.	.	PUNCT
fsr-3222	108	1	any	any	DET
fsr-3222	108	2	word	word	NOUN
fsr-3222	108	3	above	above	ADP
fsr-3222	108	4	the	the	DET
fsr-3222	108	5	school	school	NOUN
fsr-3222	108	6	grade	grade	NOUN
fsr-3222	108	7	4	4	NUM
fsr-3222	108	8	level	level	NOUN
fsr-3222	108	9	(	(	PUNCT
fsr-3222	108	10	age	age	NOUN
fsr-3222	108	11	10	10	NUM
fsr-3222	108	12	)	)	PUNCT
fsr-3222	108	13	is	be	AUX
fsr-3222	108	14	rated	rate	VERB
fsr-3222	108	15	as	as	ADP
fsr-3222	108	16	a	a	DET
fsr-3222	108	17	difficult	difficult	ADJ
fsr-3222	108	18	word	word	NOUN
fsr-3222	108	19	.	.	PUNCT
fsr-3222	109	1	the	the	DET
fsr-3222	109	2	percentage	percentage	NOUN
fsr-3222	109	3	of	of	ADP
fsr-3222	109	4	difficult	difficult	ADJ
fsr-3222	109	5	words	word	NOUN
fsr-3222	109	6	has	have	VERB
fsr-3222	109	7	a	a	DET
fsr-3222	109	8	much	much	ADV
fsr-3222	109	9	larger	large	ADJ
fsr-3222	109	10	effect	effect	NOUN
fsr-3222	109	11	on	on	ADP
fsr-3222	109	12	grade	grade	NOUN
fsr-3222	109	13	level	level	NOUN
fsr-3222	109	14	of	of	ADP
fsr-3222	109	15	the	the	DET
fsr-3222	109	16	writing	writing	NOUN
fsr-3222	109	17	than	than	ADP
fsr-3222	109	18	sentence	sentence	NOUN
fsr-3222	109	19	length	length	NOUN
fsr-3222	109	20	.	.	PUNCT
fsr-3222	110	1	for	for	ADP
fsr-3222	110	2	example	example	NOUN
fsr-3222	110	3	,	,	PUNCT
fsr-3222	110	4	a	a	DET
fsr-3222	110	5	sentence	sentence	NOUN
fsr-3222	110	6	can	can	AUX
fsr-3222	110	7	be	be	AUX
fsr-3222	110	8	27	27	NUM
fsr-3222	110	9	words	word	NOUN
fsr-3222	110	10	long	long	ADJ
fsr-3222	110	11	and	and	CCONJ
fsr-3222	110	12	still	still	ADV
fsr-3222	110	13	be	be	AUX
fsr-3222	110	14	rated	rate	VERB
fsr-3222	110	15	at	at	ADP
fsr-3222	110	16	grade	grade	NOUN
fsr-3222	110	17	level	level	NOUN
fsr-3222	110	18	4	4	NUM
fsr-3222	110	19	if	if	SCONJ
fsr-3222	110	20	it	it	PRON
fsr-3222	110	21	has	have	VERB
fsr-3222	110	22	no	no	DET
fsr-3222	110	23	difficult	difficult	ADJ
fsr-3222	110	24	words	word	NOUN
fsr-3222	110	25	,	,	PUNCT
fsr-3222	110	26	while	while	SCONJ
fsr-3222	110	27	if	if	SCONJ
fsr-3222	110	28	it	it	PRON
fsr-3222	110	29	has	have	VERB
fsr-3222	110	30	three	three	NUM
fsr-3222	110	31	difficult	difficult	ADJ
fsr-3222	110	32	words	word	NOUN
fsr-3222	110	33	,	,	PUNCT
fsr-3222	110	34	it	it	PRON
fsr-3222	110	35	would	would	AUX
fsr-3222	110	36	be	be	AUX
fsr-3222	110	37	rated	rate	VERB
fsr-3222	110	38	at	at	ADP
fsr-3222	110	39	a	a	DET
fsr-3222	110	40	grade	grade	NOUN
fsr-3222	110	41	level	level	NOUN
fsr-3222	110	42	7–8	7–8	NOUN
fsr-3222	110	43	.	.	PUNCT
fsr-3222	111	1	this	this	DET
fsr-3222	111	2	formula	formula	NOUN
fsr-3222	111	3	differs	differ	VERB
fsr-3222	111	4	from	from	ADP
fsr-3222	111	5	some	some	DET
fsr-3222	111	6	other	other	ADJ
fsr-3222	111	7	readability	readability	NOUN
fsr-3222	111	8	formulas	formula	NOUN
fsr-3222	111	9	in	in	ADP
fsr-3222	111	10	that	that	SCONJ
fsr-3222	111	11	it	it	PRON
fsr-3222	111	12	assesses	assess	VERB
fsr-3222	111	13	word	word	NOUN
fsr-3222	111	14	difficulty	difficulty	NOUN
fsr-3222	111	15	based	base	VERB
fsr-3222	111	16	on	on	ADP
fsr-3222	111	17	a	a	DET
fsr-3222	111	18	subjective	subjective	ADJ
fsr-3222	111	19	assessment	assessment	NOUN
fsr-3222	111	20	rather	rather	ADV
fsr-3222	111	21	than	than	ADP
fsr-3222	111	22	on	on	ADP
fsr-3222	111	23	counting	count	VERB
fsr-3222	111	24	number	number	NOUN
fsr-3222	111	25	of	of	ADP
fsr-3222	111	26	letters	letter	NOUN
fsr-3222	111	27	or	or	CCONJ
fsr-3222	111	28	219l.a	219l.a	NOUN
fsr-3222	111	29	.	.	PUNCT
fsr-3222	112	1	muller	muller	PROPN
fsr-3222	112	2	,	,	PUNCT
fsr-3222	112	3	j.a	j.a	PROPN
fsr-3222	112	4	.	.	PROPN
fsr-3222	112	5	turner	turner	PROPN
fsr-3222	112	6	/	/	SYM
fsr-3222	112	7	financial	financial	ADJ
fsr-3222	112	8	services	service	NOUN
fsr-3222	112	9	review	review	VERB
fsr-3222	112	10	25	25	NUM
fsr-3222	112	11	(	(	PUNCT
fsr-3222	112	12	2016	2016	NUM
fsr-3222	112	13	)	)	PUNCT
fsr-3222	112	14	215–234	215–234	NUM
fsr-3222	112	15	syllables	syllable	NOUN
fsr-3222	112	16	in	in	ADP
fsr-3222	112	17	words	word	NOUN
fsr-3222	112	18	.	.	PUNCT
fsr-3222	113	1	the	the	DET
fsr-3222	113	2	dale	dale	NOUN
fsr-3222	113	3	-	-	PUNCT
fsr-3222	113	4	chall	chall	NOUN
fsr-3222	113	5	approach	approach	NOUN
fsr-3222	113	6	uses	use	VERB
fsr-3222	113	7	a	a	DET
fsr-3222	113	8	list	list	NOUN
fsr-3222	113	9	of	of	ADP
fsr-3222	113	10	3,000	3,000	NUM
fsr-3222	113	11	words	word	NOUN
fsr-3222	113	12	that	that	PRON
fsr-3222	113	13	are	be	AUX
fsr-3222	113	14	considered	consider	VERB
fsr-3222	113	15	the	the	DET
fsr-3222	113	16	vocabulary	vocabulary	NOUN
fsr-3222	113	17	of	of	ADP
fsr-3222	113	18	non	non	ADJ
fsr-3222	113	19	-	-	ADJ
fsr-3222	113	20	difficult	difficult	ADJ
fsr-3222	113	21	words	word	NOUN
fsr-3222	113	22	.	.	PUNCT
fsr-3222	114	1	a	a	DET
fsr-3222	114	2	calculator	calculator	NOUN
fsr-3222	114	3	is	be	AUX
fsr-3222	114	4	available	available	ADJ
fsr-3222	114	5	on	on	ADP
fsr-3222	114	6	the	the	DET
fsr-3222	114	7	internet	internet	NOUN
fsr-3222	114	8	that	that	PRON
fsr-3222	114	9	checks	check	VERB
fsr-3222	114	10	text	text	NOUN
fsr-3222	114	11	against	against	ADP
fsr-3222	114	12	the	the	DET
fsr-3222	114	13	list	list	NOUN
fsr-3222	114	14	of	of	ADP
fsr-3222	114	15	3,000	3,000	NUM
fsr-3222	114	16	words	word	NOUN
fsr-3222	114	17	(	(	PUNCT
fsr-3222	114	18	readability	readability	NOUN
fsr-3222	114	19	formulas	formula	NOUN
fsr-3222	114	20	,	,	PUNCT
fsr-3222	114	21	2013b).2	2013b).2	NUM
fsr-3222	114	22	a	a	DET
fsr-3222	114	23	simple	simple	ADJ
fsr-3222	114	24	example	example	NOUN
fsr-3222	114	25	demonstrates	demonstrate	VERB
fsr-3222	114	26	the	the	DET
fsr-3222	114	27	use	use	NOUN
fsr-3222	114	28	of	of	ADP
fsr-3222	114	29	the	the	DET
fsr-3222	114	30	dale	dale	NOUN
fsr-3222	114	31	-	-	PUNCT
fsr-3222	114	32	chall	chall	NOUN
fsr-3222	114	33	approach	approach	NOUN
fsr-3222	114	34	for	for	ADP
fsr-3222	114	35	evaluating	evaluate	VERB
fsr-3222	114	36	financial	financial	ADJ
fsr-3222	114	37	disclosures	disclosure	NOUN
fsr-3222	114	38	.	.	PUNCT
fsr-3222	115	1	this	this	DET
fsr-3222	115	2	analysis	analysis	NOUN
fsr-3222	115	3	focuses	focus	VERB
fsr-3222	115	4	on	on	ADP
fsr-3222	115	5	fidelity	fidelity	NOUN
fsr-3222	115	6	personalized	personalize	VERB
fsr-3222	115	7	portfolios	portfolio	NOUN
fsr-3222	115	8	(	(	PUNCT
fsr-3222	115	9	fidelity	fidelity	NOUN
fsr-3222	115	10	,	,	PUNCT
fsr-3222	115	11	2013	2013	NUM
fsr-3222	115	12	)	)	PUNCT
fsr-3222	115	13	.	.	PUNCT
fsr-3222	116	1	its	its	PRON
fsr-3222	116	2	fee	fee	NOUN
fsr-3222	116	3	disclosure	disclosure	NOUN
fsr-3222	116	4	is	be	AUX
fsr-3222	116	5	the	the	DET
fsr-3222	116	6	following	follow	VERB
fsr-3222	116	7	:	:	PUNCT
fsr-3222	116	8	“	"	PUNCT
fsr-3222	116	9	gross	gross	ADJ
fsr-3222	116	10	annual	annual	ADJ
fsr-3222	116	11	advisory	advisory	ADJ
fsr-3222	116	12	fee	fee	NOUN
fsr-3222	116	13	:	:	PUNCT
fsr-3222	116	14	between	between	ADP
fsr-3222	116	15	0.55	0.55	NUM
fsr-3222	116	16	%	%	NOUN
fsr-3222	116	17	and	and	CCONJ
fsr-3222	116	18	1.5	1.5	NUM
fsr-3222	116	19	%	%	NOUN
fsr-3222	116	20	of	of	ADP
fsr-3222	116	21	eligible	eligible	ADJ
fsr-3222	116	22	assets	asset	NOUN
fsr-3222	116	23	invested	invest	VERB
fsr-3222	116	24	.	.	PUNCT
fsr-3222	116	25	”	"	PUNCT
fsr-3222	117	1	using	use	VERB
fsr-3222	117	2	the	the	DET
fsr-3222	117	3	microsoft	microsoft	PROPN
fsr-3222	117	4	word	word	PROPN
fsr-3222	117	5	program	program	NOUN
fsr-3222	117	6	to	to	PART
fsr-3222	117	7	count	count	VERB
fsr-3222	117	8	the	the	DET
fsr-3222	117	9	number	number	NOUN
fsr-3222	117	10	of	of	ADP
fsr-3222	117	11	words	word	NOUN
fsr-3222	117	12	,	,	PUNCT
fsr-3222	117	13	this	this	DET
fsr-3222	117	14	sentence	sentence	NOUN
fsr-3222	117	15	has	have	VERB
fsr-3222	117	16	12	12	NUM
fsr-3222	117	17	words	word	NOUN
fsr-3222	117	18	.	.	PUNCT
fsr-3222	118	1	that	that	DET
fsr-3222	118	2	word	word	NOUN
fsr-3222	118	3	counter	counter	NOUN
fsr-3222	118	4	appears	appear	VERB
fsr-3222	118	5	to	to	PART
fsr-3222	118	6	count	count	VERB
fsr-3222	118	7	the	the	DET
fsr-3222	118	8	spaces	space	NOUN
fsr-3222	118	9	between	between	ADP
fsr-3222	118	10	strings	string	NOUN
fsr-3222	118	11	of	of	ADP
fsr-3222	118	12	characters	character	NOUN
fsr-3222	118	13	,	,	PUNCT
fsr-3222	118	14	so	so	SCONJ
fsr-3222	118	15	that	that	SCONJ
fsr-3222	118	16	0.55	0.55	NUM
fsr-3222	118	17	%	%	NOUN
fsr-3222	118	18	is	be	AUX
fsr-3222	118	19	counted	count	VERB
fsr-3222	118	20	as	as	ADP
fsr-3222	118	21	one	one	NUM
fsr-3222	118	22	word	word	NOUN
fsr-3222	118	23	.	.	PUNCT
fsr-3222	119	1	analyzing	analyze	VERB
fsr-3222	119	2	this	this	DET
fsr-3222	119	3	disclosure	disclosure	NOUN
fsr-3222	119	4	as	as	ADP
fsr-3222	119	5	a	a	DET
fsr-3222	119	6	sentence	sentence	NOUN
fsr-3222	119	7	,	,	PUNCT
fsr-3222	119	8	the	the	DET
fsr-3222	119	9	dale	dale	NOUN
fsr-3222	119	10	-	-	PUNCT
fsr-3222	119	11	chall	chall	NOUN
fsr-3222	119	12	readability	readability	NOUN
fsr-3222	119	13	score	score	NOUN
fsr-3222	119	14	is	be	AUX
fsr-3222	119	15	grade	grade	NOUN
fsr-3222	119	16	16	16	NUM
fsr-3222	119	17	and	and	CCONJ
fsr-3222	119	18	above	above	ADV
fsr-3222	119	19	.	.	PUNCT
fsr-3222	120	1	this	this	DET
fsr-3222	120	2	example	example	NOUN
fsr-3222	120	3	points	point	VERB
fsr-3222	120	4	out	out	ADP
fsr-3222	120	5	a	a	DET
fsr-3222	120	6	weakness	weakness	NOUN
fsr-3222	120	7	of	of	ADP
fsr-3222	120	8	the	the	DET
fsr-3222	120	9	application	application	NOUN
fsr-3222	120	10	of	of	ADP
fsr-3222	120	11	the	the	DET
fsr-3222	120	12	dale	dale	NOUN
fsr-3222	120	13	-	-	PUNCT
fsr-3222	120	14	chall	chall	NOUN
fsr-3222	120	15	readability	readability	NOUN
fsr-3222	120	16	formula	formula	NOUN
fsr-3222	120	17	using	use	VERB
fsr-3222	120	18	their	their	PRON
fsr-3222	120	19	vocabulary	vocabulary	ADJ
fsr-3222	120	20	list	list	NOUN
fsr-3222	120	21	of	of	ADP
fsr-3222	120	22	3,000	3,000	NUM
fsr-3222	120	23	words	word	NOUN
fsr-3222	120	24	for	for	ADP
fsr-3222	120	25	the	the	DET
fsr-3222	120	26	purposes	purpose	NOUN
fsr-3222	120	27	of	of	ADP
fsr-3222	120	28	analyzing	analyze	VERB
fsr-3222	120	29	financial	financial	ADJ
fsr-3222	120	30	disclosures	disclosure	NOUN
fsr-3222	120	31	.	.	PUNCT
fsr-3222	121	1	the	the	DET
fsr-3222	121	2	following	follow	VERB
fsr-3222	121	3	words	word	NOUN
fsr-3222	121	4	are	be	AUX
fsr-3222	121	5	not	not	PART
fsr-3222	121	6	included	include	VERB
fsr-3222	121	7	in	in	ADP
fsr-3222	121	8	the	the	DET
fsr-3222	121	9	list	list	NOUN
fsr-3222	121	10	and	and	CCONJ
fsr-3222	121	11	,	,	PUNCT
fsr-3222	121	12	thus	thus	ADV
fsr-3222	121	13	,	,	PUNCT
fsr-3222	121	14	are	be	AUX
fsr-3222	121	15	counted	count	VERB
fsr-3222	121	16	as	as	ADP
fsr-3222	121	17	difficult	difficult	ADJ
fsr-3222	121	18	words	word	NOUN
fsr-3222	121	19	:	:	PUNCT
fsr-3222	121	20	annual	annual	ADJ
fsr-3222	121	21	,	,	PUNCT
fsr-3222	121	22	advisory	advisory	ADJ
fsr-3222	121	23	,	,	PUNCT
fsr-3222	121	24	assets	asset	NOUN
fsr-3222	121	25	,	,	PUNCT
fsr-3222	121	26	invested	invest	VERB
fsr-3222	121	27	.	.	PUNCT
fsr-3222	122	1	while	while	SCONJ
fsr-3222	122	2	these	these	PRON
fsr-3222	122	3	would	would	AUX
fsr-3222	122	4	be	be	AUX
fsr-3222	122	5	difficult	difficult	ADJ
fsr-3222	122	6	words	word	NOUN
fsr-3222	122	7	for	for	ADP
fsr-3222	122	8	many	many	ADJ
fsr-3222	122	9	fourth	fourth	ADJ
fsr-3222	122	10	graders	grader	NOUN
fsr-3222	122	11	,	,	PUNCT
fsr-3222	122	12	they	they	PRON
fsr-3222	122	13	would	would	AUX
fsr-3222	122	14	presumably	presumably	ADV
fsr-3222	122	15	not	not	PART
fsr-3222	122	16	be	be	AUX
fsr-3222	122	17	difficult	difficult	ADJ
fsr-3222	122	18	words	word	NOUN
fsr-3222	122	19	for	for	ADP
fsr-3222	122	20	pension	pension	NOUN
fsr-3222	122	21	participants	participant	NOUN
fsr-3222	122	22	reading	read	VERB
fsr-3222	122	23	fee	fee	NOUN
fsr-3222	122	24	disclosures	disclosure	NOUN
fsr-3222	122	25	.	.	PUNCT
fsr-3222	123	1	thus	thus	ADV
fsr-3222	123	2	,	,	PUNCT
fsr-3222	123	3	just	just	ADV
fsr-3222	123	4	as	as	SCONJ
fsr-3222	123	5	loughran	loughran	NOUN
fsr-3222	123	6	and	and	CCONJ
fsr-3222	123	7	mcdonald	mcdonald	PROPN
fsr-3222	123	8	(	(	PUNCT
fsr-3222	123	9	2013	2013	NUM
fsr-3222	123	10	)	)	PUNCT
fsr-3222	123	11	conclude	conclude	VERB
fsr-3222	123	12	that	that	SCONJ
fsr-3222	123	13	the	the	DET
fsr-3222	123	14	gunning	gunning	NOUN
fsr-3222	123	15	-	-	PUNCT
fsr-3222	123	16	fog	fog	NOUN
fsr-3222	123	17	measure	measure	NOUN
fsr-3222	123	18	,	,	PUNCT
fsr-3222	123	19	an	an	DET
fsr-3222	123	20	alternative	alternative	ADJ
fsr-3222	123	21	measure	measure	NOUN
fsr-3222	123	22	of	of	ADP
fsr-3222	123	23	language	language	NOUN
fsr-3222	123	24	complexity	complexity	NOUN
fsr-3222	123	25	,	,	PUNCT
fsr-3222	123	26	is	be	AUX
fsr-3222	123	27	not	not	PART
fsr-3222	123	28	well	well	ADV
fsr-3222	123	29	-	-	PUNCT
fsr-3222	123	30	suited	suit	VERB
fsr-3222	123	31	for	for	ADP
fsr-3222	123	32	analyzing	analyze	VERB
fsr-3222	123	33	financial	financial	ADJ
fsr-3222	123	34	disclosures	disclosure	NOUN
fsr-3222	123	35	,	,	PUNCT
fsr-3222	123	36	we	we	PRON
fsr-3222	123	37	conclude	conclude	VERB
fsr-3222	123	38	that	that	SCONJ
fsr-3222	123	39	the	the	DET
fsr-3222	123	40	3,000	3,000	NUM
fsr-3222	123	41	word	word	NOUN
fsr-3222	123	42	vocabulary	vocabulary	NOUN
fsr-3222	123	43	associated	associate	VERB
fsr-3222	123	44	with	with	ADP
fsr-3222	123	45	the	the	DET
fsr-3222	123	46	dale	dale	NOUN
fsr-3222	123	47	-	-	PUNCT
fsr-3222	123	48	chall	chall	NOUN
fsr-3222	123	49	formula	formula	NOUN
fsr-3222	123	50	is	be	AUX
fsr-3222	123	51	too	too	ADV
fsr-3222	123	52	limited	limited	ADJ
fsr-3222	123	53	for	for	ADP
fsr-3222	123	54	the	the	DET
fsr-3222	123	55	purposes	purpose	NOUN
fsr-3222	123	56	of	of	ADP
fsr-3222	123	57	this	this	DET
fsr-3222	123	58	article	article	NOUN
fsr-3222	123	59	.	.	PUNCT
fsr-3222	124	1	we	we	PRON
fsr-3222	124	2	substitute	substitute	VERB
fsr-3222	124	3	instead	instead	ADV
fsr-3222	124	4	a	a	DET
fsr-3222	124	5	subjective	subjective	ADJ
fsr-3222	124	6	assessment	assessment	NOUN
fsr-3222	124	7	of	of	ADP
fsr-3222	124	8	which	which	PRON
fsr-3222	124	9	words	word	NOUN
fsr-3222	124	10	are	be	AUX
fsr-3222	124	11	difficult	difficult	ADJ
fsr-3222	124	12	words	word	NOUN
fsr-3222	124	13	for	for	ADP
fsr-3222	124	14	401(k	401(k	NOUN
fsr-3222	124	15	)	)	PUNCT
fsr-3222	124	16	participants	participant	NOUN
fsr-3222	124	17	.	.	PUNCT
fsr-3222	125	1	to	to	PART
fsr-3222	125	2	measure	measure	VERB
fsr-3222	125	3	readability	readability	NOUN
fsr-3222	125	4	,	,	PUNCT
fsr-3222	125	5	the	the	DET
fsr-3222	125	6	target	target	NOUN
fsr-3222	125	7	audience	audience	NOUN
fsr-3222	125	8	needs	need	VERB
fsr-3222	125	9	to	to	PART
fsr-3222	125	10	be	be	AUX
fsr-3222	125	11	taken	take	VERB
fsr-3222	125	12	into	into	ADP
fsr-3222	125	13	account	account	NOUN
fsr-3222	125	14	.	.	PUNCT
fsr-3222	126	1	the	the	DET
fsr-3222	126	2	approach	approach	NOUN
fsr-3222	126	3	used	use	VERB
fsr-3222	126	4	in	in	ADP
fsr-3222	126	5	this	this	DET
fsr-3222	126	6	article	article	NOUN
fsr-3222	126	7	focuses	focus	VERB
fsr-3222	126	8	on	on	ADP
fsr-3222	126	9	both	both	PRON
fsr-3222	126	10	difficult	difficult	ADJ
fsr-3222	126	11	words	word	NOUN
fsr-3222	126	12	and	and	CCONJ
fsr-3222	126	13	difficult	difficult	ADJ
fsr-3222	126	14	concepts	concept	NOUN
fsr-3222	126	15	.	.	PUNCT
fsr-3222	127	1	for	for	ADP
fsr-3222	127	2	example	example	NOUN
fsr-3222	127	3	,	,	PUNCT
fsr-3222	127	4	the	the	DET
fsr-3222	127	5	words	word	NOUN
fsr-3222	127	6	“	"	PUNCT
fsr-3222	127	7	eligible	eligible	ADJ
fsr-3222	127	8	”	"	PUNCT
fsr-3222	127	9	and	and	CCONJ
fsr-3222	127	10	“	"	PUNCT
fsr-3222	127	11	assets	asset	NOUN
fsr-3222	127	12	”	"	PUNCT
fsr-3222	127	13	are	be	AUX
fsr-3222	127	14	not	not	PART
fsr-3222	127	15	assessed	assess	VERB
fsr-3222	127	16	as	as	ADP
fsr-3222	127	17	difficult	difficult	ADJ
fsr-3222	127	18	words	word	NOUN
fsr-3222	127	19	for	for	ADP
fsr-3222	127	20	users	user	NOUN
fsr-3222	127	21	of	of	ADP
fsr-3222	127	22	financial	financial	ADJ
fsr-3222	127	23	advisory	advisory	ADJ
fsr-3222	127	24	services	service	NOUN
fsr-3222	127	25	,	,	PUNCT
fsr-3222	127	26	but	but	CCONJ
fsr-3222	127	27	the	the	DET
fsr-3222	127	28	concept	concept	NOUN
fsr-3222	127	29	“	"	PUNCT
fsr-3222	127	30	eligible	eligible	ADJ
fsr-3222	127	31	assets	asset	NOUN
fsr-3222	127	32	”	"	PUNCT
fsr-3222	127	33	is	be	AUX
fsr-3222	127	34	rated	rate	VERB
fsr-3222	127	35	as	as	ADP
fsr-3222	127	36	a	a	DET
fsr-3222	127	37	difficult	difficult	ADJ
fsr-3222	127	38	or	or	CCONJ
fsr-3222	127	39	unclear	unclear	ADJ
fsr-3222	127	40	concept	concept	NOUN
fsr-3222	127	41	when	when	SCONJ
fsr-3222	127	42	it	it	PRON
fsr-3222	127	43	is	be	AUX
fsr-3222	127	44	not	not	PART
fsr-3222	127	45	otherwise	otherwise	ADV
fsr-3222	127	46	defined	define	VERB
fsr-3222	127	47	or	or	CCONJ
fsr-3222	127	48	explained	explain	VERB
fsr-3222	127	49	.	.	PUNCT
fsr-3222	128	1	similarly	similarly	ADV
fsr-3222	128	2	,	,	PUNCT
fsr-3222	128	3	while	while	SCONJ
fsr-3222	128	4	the	the	DET
fsr-3222	128	5	word	word	NOUN
fsr-3222	128	6	“	"	PUNCT
fsr-3222	128	7	fee	fee	NOUN
fsr-3222	128	8	”	"	PUNCT
fsr-3222	128	9	is	be	AUX
fsr-3222	128	10	not	not	PART
fsr-3222	128	11	a	a	DET
fsr-3222	128	12	difficult	difficult	ADJ
fsr-3222	128	13	concept	concept	NOUN
fsr-3222	128	14	,	,	PUNCT
fsr-3222	128	15	the	the	DET
fsr-3222	128	16	phrase	phrase	NOUN
fsr-3222	128	17	“	"	PUNCT
fsr-3222	128	18	gross	gross	ADJ
fsr-3222	128	19	fee	fee	NOUN
fsr-3222	128	20	”	"	PUNCT
fsr-3222	128	21	is	be	AUX
fsr-3222	128	22	rated	rate	VERB
fsr-3222	128	23	as	as	ADP
fsr-3222	128	24	a	a	DET
fsr-3222	128	25	difficult	difficult	ADJ
fsr-3222	128	26	concept	concept	NOUN
fsr-3222	128	27	.	.	PUNCT
fsr-3222	129	1	in	in	ADP
fsr-3222	129	2	the	the	DET
fsr-3222	129	3	above	above	ADJ
fsr-3222	129	4	example	example	NOUN
fsr-3222	129	5	difficult	difficult	ADJ
fsr-3222	129	6	concepts	concept	NOUN
fsr-3222	129	7	would	would	AUX
fsr-3222	129	8	be	be	AUX
fsr-3222	129	9	“	"	PUNCT
fsr-3222	129	10	gross	gross	ADJ
fsr-3222	129	11	fee	fee	NOUN
fsr-3222	129	12	”	"	PUNCT
fsr-3222	129	13	and	and	CCONJ
fsr-3222	129	14	“	"	PUNCT
fsr-3222	129	15	eligible	eligible	ADJ
fsr-3222	129	16	assets	asset	NOUN
fsr-3222	129	17	.	.	PUNCT
fsr-3222	129	18	”	"	PUNCT
fsr-3222	130	1	thus	thus	ADV
fsr-3222	130	2	,	,	PUNCT
fsr-3222	130	3	for	for	ADP
fsr-3222	130	4	a	a	DET
fsr-3222	130	5	sentence	sentence	NOUN
fsr-3222	130	6	of	of	ADP
fsr-3222	130	7	12	12	NUM
fsr-3222	130	8	words	word	NOUN
fsr-3222	130	9	,	,	PUNCT
fsr-3222	130	10	with	with	ADP
fsr-3222	130	11	four	four	NUM
fsr-3222	130	12	difficult	difficult	ADJ
fsr-3222	130	13	words	word	NOUN
fsr-3222	130	14	,	,	PUNCT
fsr-3222	130	15	applying	apply	VERB
fsr-3222	130	16	the	the	DET
fsr-3222	130	17	dale	dale	NOUN
fsr-3222	130	18	-	-	PUNCT
fsr-3222	130	19	chall	chall	NOUN
fsr-3222	130	20	formula	formula	NOUN
fsr-3222	130	21	with	with	ADP
fsr-3222	130	22	our	our	PRON
fsr-3222	130	23	assessment	assessment	NOUN
fsr-3222	130	24	of	of	ADP
fsr-3222	130	25	difficult	difficult	ADJ
fsr-3222	130	26	words	word	NOUN
fsr-3222	130	27	yields	yield	VERB
fsr-3222	130	28	a	a	DET
fsr-3222	130	29	rating	rating	NOUN
fsr-3222	130	30	of	of	ADP
fsr-3222	130	31	grades	grade	NOUN
fsr-3222	130	32	13–15	13–15	PROPN
fsr-3222	130	33	(	(	PUNCT
fsr-3222	130	34	table	table	NOUN
fsr-3222	130	35	1	1	NUM
fsr-3222	130	36	)	)	PUNCT
fsr-3222	130	37	.	.	PUNCT
fsr-3222	131	1	long	long	ADJ
fsr-3222	131	2	average	average	ADJ
fsr-3222	131	3	sentence	sentence	NOUN
fsr-3222	131	4	length	length	NOUN
fsr-3222	131	5	is	be	AUX
fsr-3222	131	6	not	not	PART
fsr-3222	131	7	the	the	DET
fsr-3222	131	8	only	only	ADJ
fsr-3222	131	9	aspect	aspect	NOUN
fsr-3222	131	10	of	of	ADP
fsr-3222	131	11	sentence	sentence	NOUN
fsr-3222	131	12	length	length	NOUN
fsr-3222	131	13	that	that	PRON
fsr-3222	131	14	contributes	contribute	VERB
fsr-3222	131	15	to	to	ADP
fsr-3222	131	16	complexity	complexity	NOUN
fsr-3222	131	17	.	.	PUNCT
fsr-3222	132	1	long	long	ADJ
fsr-3222	132	2	total	total	ADJ
fsr-3222	132	3	length	length	NOUN
fsr-3222	132	4	of	of	ADP
fsr-3222	132	5	a	a	DET
fsr-3222	132	6	disclosure	disclosure	NOUN
fsr-3222	132	7	can	can	AUX
fsr-3222	132	8	add	add	VERB
fsr-3222	132	9	to	to	ADP
fsr-3222	132	10	complexity	complexity	NOUN
fsr-3222	132	11	.	.	PUNCT
fsr-3222	133	1	furthermore	furthermore	ADV
fsr-3222	133	2	,	,	PUNCT
fsr-3222	133	3	having	have	VERB
fsr-3222	133	4	table	table	NOUN
fsr-3222	133	5	1	1	NUM
fsr-3222	133	6	converting	convert	VERB
fsr-3222	133	7	raw	raw	ADJ
fsr-3222	133	8	score	score	NOUN
fsr-3222	133	9	to	to	ADP
fsr-3222	133	10	grade	grade	NOUN
fsr-3222	133	11	level	level	NOUN
fsr-3222	133	12	using	use	VERB
fsr-3222	133	13	the	the	DET
fsr-3222	133	14	dale	dale	ADJ
fsr-3222	133	15	-	-	PUNCT
fsr-3222	133	16	chall	chall	NOUN
fsr-3222	133	17	readability	readability	NOUN
fsr-3222	133	18	score	score	VERB
fsr-3222	133	19	raw	raw	ADJ
fsr-3222	133	20	score	score	NOUN
fsr-3222	133	21	grade	grade	NOUN
fsr-3222	133	22	level	level	NOUN
fsr-3222	133	23	0	0	NUM
fsr-3222	133	24	to	to	ADP
fsr-3222	133	25	4.9	4.9	NUM
fsr-3222	133	26	4	4	NUM
fsr-3222	133	27	or	or	CCONJ
fsr-3222	133	28	below	below	ADP
fsr-3222	133	29	5.0	5.0	NUM
fsr-3222	133	30	to	to	PART
fsr-3222	133	31	5.9	5.9	NUM
fsr-3222	133	32	5	5	NUM
fsr-3222	133	33	to	to	PART
fsr-3222	133	34	6	6	NUM
fsr-3222	133	35	6.0	6.0	NUM
fsr-3222	133	36	to	to	ADP
fsr-3222	133	37	6.9	6.9	NUM
fsr-3222	133	38	7	7	NUM
fsr-3222	133	39	to	to	PART
fsr-3222	133	40	8	8	NUM
fsr-3222	133	41	7.0	7.0	NUM
fsr-3222	133	42	to	to	ADP
fsr-3222	133	43	7.9	7.9	NUM
fsr-3222	133	44	9	9	NUM
fsr-3222	133	45	to	to	ADP
fsr-3222	133	46	10	10	NUM
fsr-3222	133	47	8.0	8.0	NUM
fsr-3222	133	48	to	to	ADP
fsr-3222	133	49	8.9	8.9	NUM
fsr-3222	133	50	11	11	NUM
fsr-3222	133	51	to	to	ADP
fsr-3222	133	52	12	12	NUM
fsr-3222	133	53	9.0	9.0	NUM
fsr-3222	133	54	to	to	ADP
fsr-3222	133	55	9.9	9.9	NUM
fsr-3222	133	56	13–15	13–15	PROPN
fsr-3222	133	57	(	(	PUNCT
fsr-3222	133	58	college	college	NOUN
fsr-3222	133	59	)	)	PUNCT
fsr-3222	133	60	10.0	10.0	NUM
fsr-3222	133	61	and	and	CCONJ
fsr-3222	133	62	above	above	ADP
fsr-3222	133	63	16	16	NUM
fsr-3222	133	64	and	and	CCONJ
fsr-3222	133	65	above	above	ADP
fsr-3222	133	66	source	source	NOUN
fsr-3222	133	67	:	:	PUNCT
fsr-3222	133	68	dale	dale	NOUN
fsr-3222	133	69	and	and	CCONJ
fsr-3222	133	70	chall	chall	NOUN
fsr-3222	133	71	(	(	PUNCT
fsr-3222	133	72	1948	1948	NUM
fsr-3222	133	73	)	)	PUNCT
fsr-3222	133	74	.	.	PUNCT
fsr-3222	134	1	220	220	NUM
fsr-3222	134	2	l.a	l.a	PROPN
fsr-3222	134	3	.	.	PROPN
fsr-3222	134	4	muller	muller	PROPN
fsr-3222	134	5	,	,	PUNCT
fsr-3222	134	6	j.a	j.a	PROPN
fsr-3222	134	7	.	.	PROPN
fsr-3222	134	8	turner	turner	PROPN
fsr-3222	134	9	/	/	SYM
fsr-3222	134	10	financial	financial	ADJ
fsr-3222	134	11	services	service	NOUN
fsr-3222	134	12	review	review	VERB
fsr-3222	134	13	25	25	NUM
fsr-3222	134	14	(	(	PUNCT
fsr-3222	134	15	2016	2016	NUM
fsr-3222	134	16	)	)	PUNCT
fsr-3222	134	17	215–234	215–234	NUM
fsr-3222	134	18	a	a	DET
fsr-3222	134	19	single	single	ADJ
fsr-3222	134	20	long	long	ADJ
fsr-3222	134	21	sentence	sentence	NOUN
fsr-3222	134	22	in	in	ADP
fsr-3222	134	23	a	a	DET
fsr-3222	134	24	disclosure	disclosure	NOUN
fsr-3222	134	25	with	with	ADP
fsr-3222	134	26	multiple	multiple	ADJ
fsr-3222	134	27	short	short	ADJ
fsr-3222	134	28	sentences	sentence	NOUN
fsr-3222	134	29	can	can	AUX
fsr-3222	134	30	add	add	VERB
fsr-3222	134	31	to	to	ADP
fsr-3222	134	32	complexity	complexity	NOUN
fsr-3222	134	33	.	.	PUNCT
fsr-3222	135	1	both	both	PRON
fsr-3222	135	2	of	of	ADP
fsr-3222	135	3	these	these	DET
fsr-3222	135	4	aspects	aspect	NOUN
fsr-3222	135	5	of	of	ADP
fsr-3222	135	6	complexity	complexity	NOUN
fsr-3222	135	7	are	be	AUX
fsr-3222	135	8	not	not	PART
fsr-3222	135	9	measured	measure	VERB
fsr-3222	135	10	by	by	ADP
fsr-3222	135	11	the	the	DET
fsr-3222	135	12	dale	dale	NOUN
fsr-3222	135	13	-	-	PUNCT
fsr-3222	135	14	chall	chall	NOUN
fsr-3222	135	15	formula	formula	NOUN
fsr-3222	135	16	.	.	PUNCT
fsr-3222	136	1	for	for	ADP
fsr-3222	136	2	our	our	PRON
fsr-3222	136	3	analysis	analysis	NOUN
fsr-3222	136	4	,	,	PUNCT
fsr-3222	136	5	we	we	PRON
fsr-3222	136	6	stick	stick	VERB
fsr-3222	136	7	,	,	PUNCT
fsr-3222	136	8	however	however	ADV
fsr-3222	136	9	,	,	PUNCT
fsr-3222	136	10	with	with	ADP
fsr-3222	136	11	the	the	DET
fsr-3222	136	12	traditional	traditional	ADJ
fsr-3222	136	13	approach	approach	NOUN
fsr-3222	136	14	of	of	ADP
fsr-3222	136	15	focusing	focus	VERB
fsr-3222	136	16	on	on	ADP
fsr-3222	136	17	long	long	ADJ
fsr-3222	136	18	average	average	ADJ
fsr-3222	136	19	sentence	sentence	NOUN
fsr-3222	136	20	length	length	NOUN
fsr-3222	136	21	.	.	PUNCT
fsr-3222	137	1	because	because	SCONJ
fsr-3222	137	2	we	we	PRON
fsr-3222	137	3	use	use	VERB
fsr-3222	137	4	a	a	DET
fsr-3222	137	5	different	different	ADJ
fsr-3222	137	6	assessment	assessment	NOUN
fsr-3222	137	7	of	of	ADP
fsr-3222	137	8	difficult	difficult	ADJ
fsr-3222	137	9	words	word	NOUN
fsr-3222	137	10	than	than	SCONJ
fsr-3222	137	11	is	be	AUX
fsr-3222	137	12	used	use	VERB
fsr-3222	137	13	for	for	ADP
fsr-3222	137	14	the	the	DET
fsr-3222	137	15	dale	dale	NOUN
fsr-3222	137	16	-	-	PUNCT
fsr-3222	137	17	chall	chall	NOUN
fsr-3222	137	18	formula	formula	NOUN
fsr-3222	137	19	,	,	PUNCT
fsr-3222	137	20	we	we	PRON
fsr-3222	137	21	use	use	VERB
fsr-3222	137	22	the	the	DET
fsr-3222	137	23	following	follow	VERB
fsr-3222	137	24	score	score	NOUN
fsr-3222	137	25	formula	formula	NOUN
fsr-3222	137	26	in	in	ADP
fsr-3222	137	27	the	the	DET
fsr-3222	137	28	remainder	remainder	NOUN
fsr-3222	137	29	of	of	ADP
fsr-3222	137	30	the	the	DET
fsr-3222	137	31	article	article	NOUN
fsr-3222	137	32	.	.	PUNCT
fsr-3222	138	1	this	this	DET
fsr-3222	138	2	formula	formula	NOUN
fsr-3222	138	3	uses	use	VERB
fsr-3222	138	4	the	the	DET
fsr-3222	138	5	same	same	ADJ
fsr-3222	138	6	parameter	parameter	NOUN
fsr-3222	138	7	values	value	NOUN
fsr-3222	138	8	as	as	ADP
fsr-3222	138	9	the	the	DET
fsr-3222	138	10	traditional	traditional	ADJ
fsr-3222	138	11	dale	dale	NOUN
fsr-3222	138	12	-	-	PUNCT
fsr-3222	138	13	chall	chall	NOUN
fsr-3222	138	14	formula	formula	NOUN
fsr-3222	138	15	for	for	ADP
fsr-3222	138	16	percentage	percentage	NOUN
fsr-3222	138	17	difficult	difficult	ADJ
fsr-3222	138	18	words	word	NOUN
fsr-3222	138	19	and	and	CCONJ
fsr-3222	138	20	average	average	ADJ
fsr-3222	138	21	sentence	sentence	NOUN
fsr-3222	138	22	length	length	NOUN
fsr-3222	138	23	.	.	PUNCT
fsr-3222	139	1	the	the	DET
fsr-3222	139	2	formula	formula	NOUN
fsr-3222	139	3	differs	differ	VERB
fsr-3222	139	4	only	only	ADV
fsr-3222	139	5	in	in	ADP
fsr-3222	139	6	that	that	SCONJ
fsr-3222	139	7	we	we	PRON
fsr-3222	139	8	use	use	VERB
fsr-3222	139	9	a	a	DET
fsr-3222	139	10	higher	higher	ADV
fsr-3222	139	11	constant	constant	ADJ
fsr-3222	139	12	because	because	SCONJ
fsr-3222	139	13	we	we	PRON
fsr-3222	139	14	use	use	VERB
fsr-3222	139	15	a	a	DET
fsr-3222	139	16	more	more	ADV
fsr-3222	139	17	sophisticated	sophisticated	ADJ
fsr-3222	139	18	vocabulary	vocabulary	NOUN
fsr-3222	139	19	in	in	ADP
fsr-3222	139	20	measuring	measure	VERB
fsr-3222	139	21	percentage	percentage	NOUN
fsr-3222	139	22	difficult	difficult	ADJ
fsr-3222	139	23	words	word	NOUN
fsr-3222	139	24	.	.	PUNCT
fsr-3222	140	1	the	the	DET
fsr-3222	140	2	higher	high	ADJ
fsr-3222	140	3	constant	constant	ADJ
fsr-3222	140	4	is	be	AUX
fsr-3222	140	5	used	use	VERB
fsr-3222	140	6	to	to	PART
fsr-3222	140	7	calibrate	calibrate	VERB
fsr-3222	140	8	the	the	DET
fsr-3222	140	9	formula	formula	NOUN
fsr-3222	140	10	so	so	SCONJ
fsr-3222	140	11	that	that	SCONJ
fsr-3222	140	12	it	it	PRON
fsr-3222	140	13	yields	yield	VERB
fsr-3222	140	14	a	a	DET
fsr-3222	140	15	score	score	NOUN
fsr-3222	140	16	and	and	CCONJ
fsr-3222	140	17	grade	grade	NOUN
fsr-3222	140	18	level	level	NOUN
fsr-3222	140	19	that	that	PRON
fsr-3222	140	20	is	be	AUX
fsr-3222	140	21	roughly	roughly	ADV
fsr-3222	140	22	comparable	comparable	ADJ
fsr-3222	140	23	to	to	ADP
fsr-3222	140	24	what	what	PRON
fsr-3222	140	25	the	the	DET
fsr-3222	140	26	dale	dale	NOUN
fsr-3222	140	27	-	-	PUNCT
fsr-3222	140	28	chall	chall	NOUN
fsr-3222	140	29	score	score	NOUN
fsr-3222	140	30	would	would	AUX
fsr-3222	140	31	be	be	AUX
fsr-3222	140	32	if	if	SCONJ
fsr-3222	140	33	it	it	PRON
fsr-3222	140	34	used	use	VERB
fsr-3222	140	35	our	our	PRON
fsr-3222	140	36	vocabulary	vocabulary	NOUN
fsr-3222	140	37	of	of	ADP
fsr-3222	140	38	difficult	difficult	ADJ
fsr-3222	140	39	words	word	NOUN
fsr-3222	140	40	.	.	PUNCT
fsr-3222	141	1	adjusted	adjust	VERB
fsr-3222	141	2	score	score	NOUN
fsr-3222	141	3	�	�	PROPN
fsr-3222	141	4	(	(	PUNCT
fsr-3222	141	5	0.1579	0.1579	NUM
fsr-3222	141	6	�	�	PROPN
fsr-3222	141	7	pdw	pdw	PROPN
fsr-3222	141	8	)	)	PUNCT
fsr-3222	141	9	�	�	PROPN
fsr-3222	141	10	(	(	PUNCT
fsr-3222	141	11	0.0496	0.0496	NUM
fsr-3222	141	12	�	�	PROPN
fsr-3222	141	13	asl	asl	PROPN
fsr-3222	141	14	)	)	PUNCT
fsr-3222	141	15	�	�	PROPN
fsr-3222	141	16	6	6	NUM
fsr-3222	141	17	(	(	PUNCT
fsr-3222	141	18	2	2	NUM
fsr-3222	141	19	)	)	PUNCT
fsr-3222	141	20	in	in	ADP
fsr-3222	141	21	our	our	PRON
fsr-3222	141	22	formula	formula	NOUN
fsr-3222	141	23	,	,	PUNCT
fsr-3222	141	24	the	the	DET
fsr-3222	141	25	percentage	percentage	NOUN
fsr-3222	141	26	of	of	ADP
fsr-3222	141	27	difficult	difficult	ADJ
fsr-3222	141	28	words	word	NOUN
fsr-3222	141	29	is	be	AUX
fsr-3222	141	30	generally	generally	ADV
fsr-3222	141	31	lower	low	ADJ
fsr-3222	141	32	than	than	ADP
fsr-3222	141	33	for	for	ADP
fsr-3222	141	34	the	the	DET
fsr-3222	141	35	dale	dale	NOUN
fsr-3222	141	36	-	-	PUNCT
fsr-3222	141	37	chall	chall	NOUN
fsr-3222	141	38	formula	formula	NOUN
fsr-3222	141	39	because	because	SCONJ
fsr-3222	141	40	of	of	ADP
fsr-3222	141	41	using	use	VERB
fsr-3222	141	42	an	an	DET
fsr-3222	141	43	expanded	expand	VERB
fsr-3222	141	44	vocabulary	vocabulary	NOUN
fsr-3222	141	45	of	of	ADP
fsr-3222	141	46	acceptable	acceptable	ADJ
fsr-3222	141	47	words	word	NOUN
fsr-3222	141	48	.	.	PUNCT
fsr-3222	142	1	appendix	appendix	NOUN
fsr-3222	142	2	1	1	NUM
fsr-3222	142	3	contains	contain	VERB
fsr-3222	142	4	a	a	DET
fsr-3222	142	5	partial	partial	ADJ
fsr-3222	142	6	list	list	NOUN
fsr-3222	142	7	of	of	ADP
fsr-3222	142	8	the	the	DET
fsr-3222	142	9	words	word	NOUN
fsr-3222	142	10	found	find	VERB
fsr-3222	142	11	in	in	ADP
fsr-3222	142	12	disclosures	disclosure	NOUN
fsr-3222	142	13	that	that	PRON
fsr-3222	142	14	we	we	PRON
fsr-3222	142	15	rate	rate	VERB
fsr-3222	142	16	as	as	ADV
fsr-3222	142	17	difficult	difficult	ADJ
fsr-3222	142	18	.	.	PUNCT
fsr-3222	143	1	however	however	ADV
fsr-3222	143	2	,	,	PUNCT
fsr-3222	143	3	because	because	SCONJ
fsr-3222	143	4	of	of	ADP
fsr-3222	143	5	our	our	PRON
fsr-3222	143	6	calibration	calibration	NOUN
fsr-3222	143	7	of	of	ADP
fsr-3222	143	8	the	the	DET
fsr-3222	143	9	constant	constant	ADJ
fsr-3222	143	10	term	term	NOUN
fsr-3222	143	11	,	,	PUNCT
fsr-3222	143	12	table	table	NOUN
fsr-3222	143	13	1	1	NUM
fsr-3222	143	14	is	be	AUX
fsr-3222	143	15	still	still	ADV
fsr-3222	143	16	used	use	VERB
fsr-3222	143	17	to	to	PART
fsr-3222	143	18	convert	convert	VERB
fsr-3222	143	19	the	the	DET
fsr-3222	143	20	score	score	NOUN
fsr-3222	143	21	to	to	ADP
fsr-3222	143	22	a	a	DET
fsr-3222	143	23	grade	grade	NOUN
fsr-3222	143	24	level	level	NOUN
fsr-3222	143	25	.	.	PUNCT
fsr-3222	144	1	the	the	DET
fsr-3222	144	2	formula	formula	NOUN
fsr-3222	144	3	is	be	AUX
fsr-3222	144	4	specifically	specifically	ADV
fsr-3222	144	5	designed	design	VERB
fsr-3222	144	6	to	to	PART
fsr-3222	144	7	rate	rate	VERB
fsr-3222	144	8	complexity	complexity	NOUN
fsr-3222	144	9	in	in	ADP
fsr-3222	144	10	documents	document	NOUN
fsr-3222	144	11	that	that	PRON
fsr-3222	144	12	are	be	AUX
fsr-3222	144	13	designed	design	VERB
fsr-3222	144	14	for	for	ADP
fsr-3222	144	15	a	a	DET
fsr-3222	144	16	more	more	ADV
fsr-3222	144	17	sophisticated	sophisticated	ADJ
fsr-3222	144	18	reader	reader	NOUN
fsr-3222	144	19	than	than	ADP
fsr-3222	144	20	one	one	NUM
fsr-3222	144	21	with	with	ADP
fsr-3222	144	22	a	a	DET
fsr-3222	144	23	low	low	ADJ
fsr-3222	144	24	level	level	NOUN
fsr-3222	144	25	of	of	ADP
fsr-3222	144	26	education	education	NOUN
fsr-3222	144	27	.	.	PUNCT
fsr-3222	145	1	because	because	SCONJ
fsr-3222	145	2	of	of	ADP
fsr-3222	145	3	the	the	DET
fsr-3222	145	4	constant	constant	ADJ
fsr-3222	145	5	term	term	NOUN
fsr-3222	145	6	,	,	PUNCT
fsr-3222	145	7	it	it	PRON
fsr-3222	145	8	can	can	AUX
fsr-3222	145	9	not	not	PART
fsr-3222	145	10	be	be	AUX
fsr-3222	145	11	used	use	VERB
fsr-3222	145	12	for	for	ADP
fsr-3222	145	13	rating	rating	NOUN
fsr-3222	145	14	documents	document	NOUN
fsr-3222	145	15	for	for	ADP
fsr-3222	145	16	fourth	fourth	ADJ
fsr-3222	145	17	graders	grader	NOUN
fsr-3222	145	18	.	.	PUNCT
fsr-3222	146	1	in	in	ADP
fsr-3222	146	2	measuring	measure	VERB
fsr-3222	146	3	the	the	DET
fsr-3222	146	4	grade	grade	NOUN
fsr-3222	146	5	level	level	NOUN
fsr-3222	146	6	of	of	ADP
fsr-3222	146	7	fee	fee	NOUN
fsr-3222	146	8	disclosures	disclosure	NOUN
fsr-3222	146	9	,	,	PUNCT
fsr-3222	146	10	a	a	DET
fsr-3222	146	11	natural	natural	ADJ
fsr-3222	146	12	question	question	NOUN
fsr-3222	146	13	is	be	AUX
fsr-3222	146	14	what	what	PRON
fsr-3222	146	15	should	should	AUX
fsr-3222	146	16	be	be	AUX
fsr-3222	146	17	the	the	DET
fsr-3222	146	18	grade	grade	NOUN
fsr-3222	146	19	level	level	NOUN
fsr-3222	146	20	at	at	ADP
fsr-3222	146	21	which	which	PRON
fsr-3222	146	22	documents	document	NOUN
fsr-3222	146	23	are	be	AUX
fsr-3222	146	24	written	write	VERB
fsr-3222	146	25	?	?	PUNCT
fsr-3222	147	1	according	accord	VERB
fsr-3222	147	2	to	to	ADP
fsr-3222	147	3	one	one	NUM
fsr-3222	147	4	commentator	commentator	NOUN
fsr-3222	147	5	on	on	ADP
fsr-3222	147	6	health	health	NOUN
fsr-3222	147	7	communications	communication	NOUN
fsr-3222	147	8	,	,	PUNCT
fsr-3222	147	9	“	"	PUNCT
fsr-3222	147	10	health	health	NOUN
fsr-3222	147	11	communications	communication	NOUN
fsr-3222	147	12	professionals	professional	NOUN
fsr-3222	147	13	generally	generally	ADV
fsr-3222	147	14	recommend	recommend	VERB
fsr-3222	147	15	designing	design	VERB
fsr-3222	147	16	adult	adult	NOUN
fsr-3222	147	17	targeted	target	VERB
fsr-3222	147	18	public	public	ADJ
fsr-3222	147	19	education	education	NOUN
fsr-3222	147	20	print	print	NOUN
fsr-3222	147	21	materials	material	NOUN
fsr-3222	147	22	for	for	ADP
fsr-3222	147	23	about	about	ADV
fsr-3222	147	24	a	a	DET
fsr-3222	147	25	fifthor	fifthor	NOUN
fsr-3222	147	26	sixth	sixth	ADJ
fsr-3222	147	27	grade	grade	NOUN
fsr-3222	147	28	reading	reading	NOUN
fsr-3222	147	29	level	level	NOUN
fsr-3222	147	30	,	,	PUNCT
fsr-3222	147	31	to	to	PART
fsr-3222	147	32	accommodate	accommodate	VERB
fsr-3222	147	33	individuals	individual	NOUN
fsr-3222	147	34	who	who	PRON
fsr-3222	147	35	read	read	VERB
fsr-3222	147	36	at	at	ADP
fsr-3222	147	37	lower	low	ADJ
fsr-3222	147	38	levels	level	NOUN
fsr-3222	147	39	”	"	PUNCT
fsr-3222	147	40	(	(	PUNCT
fsr-3222	147	41	sanner	sanner	NOUN
fsr-3222	147	42	,	,	PUNCT
fsr-3222	147	43	2003	2003	NUM
fsr-3222	147	44	)	)	PUNCT
fsr-3222	147	45	.	.	PUNCT
fsr-3222	148	1	the	the	DET
fsr-3222	148	2	joint	joint	ADJ
fsr-3222	148	3	forum	forum	NOUN
fsr-3222	148	4	of	of	ADP
fsr-3222	148	5	financial	financial	ADJ
fsr-3222	148	6	market	market	NOUN
fsr-3222	148	7	regulators	regulator	NOUN
fsr-3222	148	8	(	(	PUNCT
fsr-3222	148	9	2004	2004	NUM
fsr-3222	148	10	)	)	PUNCT
fsr-3222	148	11	in	in	ADP
fsr-3222	148	12	canada	canada	PROPN
fsr-3222	148	13	has	have	AUX
fsr-3222	148	14	proposed	propose	VERB
fsr-3222	148	15	that	that	SCONJ
fsr-3222	148	16	disclosures	disclosure	NOUN
fsr-3222	148	17	be	be	AUX
fsr-3222	148	18	written	write	VERB
fsr-3222	148	19	at	at	ADP
fsr-3222	148	20	a	a	DET
fsr-3222	148	21	fifth	fifth	ADJ
fsr-3222	148	22	grade	grade	NOUN
fsr-3222	148	23	level	level	NOUN
fsr-3222	148	24	.	.	PUNCT
fsr-3222	149	1	5	5	X
fsr-3222	149	2	.	.	X
fsr-3222	149	3	other	other	ADJ
fsr-3222	149	4	elements	element	NOUN
fsr-3222	149	5	of	of	ADP
fsr-3222	149	6	complexity	complexity	NOUN
fsr-3222	149	7	while	while	SCONJ
fsr-3222	149	8	we	we	PRON
fsr-3222	149	9	focus	focus	VERB
fsr-3222	149	10	on	on	ADP
fsr-3222	149	11	complexity	complexity	NOUN
fsr-3222	149	12	in	in	ADP
fsr-3222	149	13	language	language	NOUN
fsr-3222	149	14	,	,	PUNCT
fsr-3222	149	15	the	the	DET
fsr-3222	149	16	concept	concept	NOUN
fsr-3222	149	17	of	of	ADP
fsr-3222	149	18	complexity	complexity	NOUN
fsr-3222	149	19	used	use	VERB
fsr-3222	149	20	in	in	ADP
fsr-3222	149	21	this	this	DET
fsr-3222	149	22	article	article	NOUN
fsr-3222	149	23	is	be	AUX
fsr-3222	149	24	broader	broad	ADJ
fsr-3222	149	25	than	than	ADP
fsr-3222	149	26	just	just	ADV
fsr-3222	149	27	complexity	complexity	NOUN
fsr-3222	149	28	in	in	ADP
fsr-3222	149	29	language	language	NOUN
fsr-3222	149	30	.	.	PUNCT
fsr-3222	150	1	it	it	PRON
fsr-3222	150	2	is	be	AUX
fsr-3222	150	3	based	base	VERB
fsr-3222	150	4	on	on	ADP
fsr-3222	150	5	the	the	DET
fsr-3222	150	6	idea	idea	NOUN
fsr-3222	150	7	that	that	SCONJ
fsr-3222	150	8	anything	anything	PRON
fsr-3222	150	9	that	that	PRON
fsr-3222	150	10	increases	increase	VERB
fsr-3222	150	11	the	the	DET
fsr-3222	150	12	difficulty	difficulty	NOUN
fsr-3222	150	13	that	that	PRON
fsr-3222	150	14	unsophisticated	unsophisticated	ADJ
fsr-3222	150	15	investors	investor	NOUN
fsr-3222	150	16	have	have	VERB
fsr-3222	150	17	in	in	ADP
fsr-3222	150	18	understanding	understand	VERB
fsr-3222	150	19	how	how	SCONJ
fsr-3222	150	20	much	much	ADJ
fsr-3222	150	21	they	they	PRON
fsr-3222	150	22	pay	pay	VERB
fsr-3222	150	23	in	in	ADP
fsr-3222	150	24	fees	fee	NOUN
fsr-3222	150	25	is	be	AUX
fsr-3222	150	26	part	part	NOUN
fsr-3222	150	27	of	of	ADP
fsr-3222	150	28	the	the	DET
fsr-3222	150	29	complexity	complexity	NOUN
fsr-3222	150	30	in	in	ADP
fsr-3222	150	31	the	the	DET
fsr-3222	150	32	presentation	presentation	NOUN
fsr-3222	150	33	of	of	ADP
fsr-3222	150	34	fees	fee	NOUN
fsr-3222	150	35	.	.	PUNCT
fsr-3222	151	1	complexity	complexity	NOUN
fsr-3222	151	2	in	in	ADP
fsr-3222	151	3	fee	fee	NOUN
fsr-3222	151	4	disclosures	disclosure	NOUN
fsr-3222	151	5	can	can	AUX
fsr-3222	151	6	be	be	AUX
fsr-3222	151	7	achieved	achieve	VERB
fsr-3222	151	8	in	in	ADP
fsr-3222	151	9	a	a	DET
fsr-3222	151	10	number	number	NOUN
fsr-3222	151	11	of	of	ADP
fsr-3222	151	12	different	different	ADJ
fsr-3222	151	13	ways	way	NOUN
fsr-3222	151	14	.	.	PUNCT
fsr-3222	152	1	developing	develop	VERB
fsr-3222	152	2	these	these	DET
fsr-3222	152	3	complex	complex	ADJ
fsr-3222	152	4	approaches	approach	NOUN
fsr-3222	152	5	imposes	impose	VERB
fsr-3222	152	6	higher	high	ADJ
fsr-3222	152	7	search	search	NOUN
fsr-3222	152	8	and	and	CCONJ
fsr-3222	152	9	comprehension	comprehension	NOUN
fsr-3222	152	10	costs	cost	NOUN
fsr-3222	152	11	on	on	ADP
fsr-3222	152	12	users	user	NOUN
fsr-3222	152	13	of	of	ADP
fsr-3222	152	14	financial	financial	ADJ
fsr-3222	152	15	advisory	advisory	ADJ
fsr-3222	152	16	services	service	NOUN
fsr-3222	152	17	.	.	PUNCT
fsr-3222	153	1	this	this	DET
fsr-3222	153	2	section	section	NOUN
fsr-3222	153	3	discusses	discuss	VERB
fsr-3222	153	4	other	other	ADJ
fsr-3222	153	5	ways	way	NOUN
fsr-3222	153	6	in	in	ADP
fsr-3222	153	7	which	which	PRON
fsr-3222	153	8	fee	fee	NOUN
fsr-3222	153	9	disclosure	disclosure	NOUN
fsr-3222	153	10	can	can	AUX
fsr-3222	153	11	be	be	AUX
fsr-3222	153	12	made	make	VERB
fsr-3222	153	13	complex	complex	ADJ
fsr-3222	153	14	.	.	PUNCT
fsr-3222	154	1	a	a	DET
fsr-3222	154	2	later	later	ADJ
fsr-3222	154	3	section	section	NOUN
fsr-3222	154	4	provides	provide	VERB
fsr-3222	154	5	examples	example	NOUN
fsr-3222	154	6	of	of	ADP
fsr-3222	154	7	actual	actual	ADJ
fsr-3222	154	8	disclosures	disclosure	NOUN
fsr-3222	154	9	demonstrating	demonstrate	VERB
fsr-3222	154	10	these	these	DET
fsr-3222	154	11	issues	issue	NOUN
fsr-3222	154	12	.	.	PUNCT
fsr-3222	155	1	one	one	NUM
fsr-3222	155	2	strategy	strategy	NOUN
fsr-3222	155	3	that	that	PRON
fsr-3222	155	4	financial	financial	ADJ
fsr-3222	155	5	advisers	adviser	NOUN
fsr-3222	155	6	use	use	VERB
fsr-3222	155	7	is	be	AUX
fsr-3222	155	8	to	to	PART
fsr-3222	155	9	provide	provide	VERB
fsr-3222	155	10	an	an	DET
fsr-3222	155	11	apparent	apparent	ADJ
fsr-3222	155	12	disclosure	disclosure	NOUN
fsr-3222	155	13	that	that	PRON
fsr-3222	155	14	is	be	AUX
fsr-3222	155	15	simple	simple	ADJ
fsr-3222	155	16	to	to	PART
fsr-3222	155	17	understand	understand	VERB
fsr-3222	155	18	,	,	PUNCT
fsr-3222	155	19	while	while	SCONJ
fsr-3222	155	20	the	the	DET
fsr-3222	155	21	actual	actual	ADJ
fsr-3222	155	22	disclosure	disclosure	NOUN
fsr-3222	155	23	,	,	PUNCT
fsr-3222	155	24	often	often	ADV
fsr-3222	155	25	provided	provide	VERB
fsr-3222	155	26	in	in	ADP
fsr-3222	155	27	a	a	DET
fsr-3222	155	28	footnote	footnote	NOUN
fsr-3222	155	29	,	,	PUNCT
fsr-3222	155	30	is	be	AUX
fsr-3222	155	31	difficult	difficult	ADJ
fsr-3222	155	32	to	to	PART
fsr-3222	155	33	221l.a	221l.a	VERB
fsr-3222	155	34	.	.	PUNCT
fsr-3222	156	1	muller	muller	PROPN
fsr-3222	156	2	,	,	PUNCT
fsr-3222	156	3	j.a	j.a	PROPN
fsr-3222	156	4	.	.	PROPN
fsr-3222	156	5	turner	turner	PROPN
fsr-3222	156	6	/	/	SYM
fsr-3222	156	7	financial	financial	ADJ
fsr-3222	156	8	services	service	NOUN
fsr-3222	156	9	review	review	VERB
fsr-3222	156	10	25	25	NUM
fsr-3222	156	11	(	(	PUNCT
fsr-3222	156	12	2016	2016	NUM
fsr-3222	156	13	)	)	PUNCT
fsr-3222	157	1	215–234	215–234	NUM
fsr-3222	157	2	understand	understand	VERB
fsr-3222	157	3	.	.	PUNCT
fsr-3222	158	1	the	the	DET
fsr-3222	158	2	apparent	apparent	ADJ
fsr-3222	158	3	disclosure	disclosure	NOUN
fsr-3222	158	4	may	may	AUX
fsr-3222	158	5	contain	contain	VERB
fsr-3222	158	6	information	information	NOUN
fsr-3222	158	7	on	on	ADP
fsr-3222	158	8	the	the	DET
fsr-3222	158	9	level	level	NOUN
fsr-3222	158	10	of	of	ADP
fsr-3222	158	11	fees	fee	NOUN
fsr-3222	158	12	,	,	PUNCT
fsr-3222	158	13	but	but	CCONJ
fsr-3222	158	14	sometimes	sometimes	ADV
fsr-3222	158	15	it	it	PRON
fsr-3222	158	16	does	do	VERB
fsr-3222	158	17	not	not	PART
fsr-3222	158	18	.	.	PUNCT
fsr-3222	159	1	the	the	DET
fsr-3222	159	2	apparent	apparent	ADJ
fsr-3222	159	3	disclosure	disclosure	NOUN
fsr-3222	159	4	may	may	AUX
fsr-3222	159	5	be	be	AUX
fsr-3222	159	6	primarily	primarily	ADV
fsr-3222	159	7	a	a	DET
fsr-3222	159	8	marketing	marketing	NOUN
fsr-3222	159	9	tool	tool	NOUN
fsr-3222	159	10	.	.	PUNCT
fsr-3222	160	1	it	it	PRON
fsr-3222	160	2	differs	differ	VERB
fsr-3222	160	3	from	from	ADP
fsr-3222	160	4	the	the	DET
fsr-3222	160	5	actual	actual	ADJ
fsr-3222	160	6	disclosure	disclosure	NOUN
fsr-3222	160	7	in	in	ADP
fsr-3222	160	8	that	that	SCONJ
fsr-3222	160	9	either	either	CCONJ
fsr-3222	160	10	it	it	PRON
fsr-3222	160	11	does	do	AUX
fsr-3222	160	12	not	not	PART
fsr-3222	160	13	contain	contain	VERB
fsr-3222	160	14	information	information	NOUN
fsr-3222	160	15	on	on	ADP
fsr-3222	160	16	the	the	DET
fsr-3222	160	17	level	level	NOUN
fsr-3222	160	18	of	of	ADP
fsr-3222	160	19	fees	fee	NOUN
fsr-3222	160	20	or	or	CCONJ
fsr-3222	160	21	the	the	DET
fsr-3222	160	22	actual	actual	ADJ
fsr-3222	160	23	disclosure	disclosure	NOUN
fsr-3222	160	24	contains	contain	VERB
fsr-3222	160	25	information	information	NOUN
fsr-3222	160	26	that	that	PRON
fsr-3222	160	27	substantially	substantially	ADV
fsr-3222	160	28	modifies	modify	VERB
fsr-3222	160	29	it	it	PRON
fsr-3222	160	30	.	.	PUNCT
fsr-3222	161	1	the	the	DET
fsr-3222	161	2	actual	actual	ADJ
fsr-3222	161	3	disclosure	disclosure	NOUN
fsr-3222	161	4	may	may	AUX
fsr-3222	161	5	incorporate	incorporate	VERB
fsr-3222	161	6	the	the	DET
fsr-3222	161	7	apparent	apparent	ADJ
fsr-3222	161	8	disclosure	disclosure	NOUN
fsr-3222	161	9	,	,	PUNCT
fsr-3222	161	10	or	or	CCONJ
fsr-3222	161	11	it	it	PRON
fsr-3222	161	12	may	may	AUX
fsr-3222	161	13	be	be	AUX
fsr-3222	161	14	a	a	DET
fsr-3222	161	15	separate	separate	ADJ
fsr-3222	161	16	disclosure	disclosure	NOUN
fsr-3222	161	17	that	that	PRON
fsr-3222	161	18	contradicts	contradict	VERB
fsr-3222	161	19	in	in	ADP
fsr-3222	161	20	some	some	DET
fsr-3222	161	21	respects	respect	NOUN
fsr-3222	161	22	the	the	DET
fsr-3222	161	23	apparent	apparent	ADJ
fsr-3222	161	24	disclosure	disclosure	NOUN
fsr-3222	161	25	.	.	PUNCT
fsr-3222	162	1	the	the	DET
fsr-3222	162	2	fee	fee	NOUN
fsr-3222	162	3	structure	structure	NOUN
fsr-3222	162	4	can	can	AUX
fsr-3222	162	5	be	be	AUX
fsr-3222	162	6	complex	complex	ADJ
fsr-3222	162	7	.	.	PUNCT
fsr-3222	163	1	it	it	PRON
fsr-3222	163	2	can	can	AUX
fsr-3222	163	3	require	require	VERB
fsr-3222	163	4	multiple	multiple	ADJ
fsr-3222	163	5	calculations	calculation	NOUN
fsr-3222	163	6	.	.	PUNCT
fsr-3222	164	1	it	it	PRON
fsr-3222	164	2	can	can	AUX
fsr-3222	164	3	involve	involve	VERB
fsr-3222	164	4	multiple	multiple	ADJ
fsr-3222	164	5	fees	fee	NOUN
fsr-3222	164	6	for	for	ADP
fsr-3222	164	7	different	different	ADJ
fsr-3222	164	8	aspects	aspect	NOUN
fsr-3222	164	9	of	of	ADP
fsr-3222	164	10	a	a	DET
fsr-3222	164	11	service	service	NOUN
fsr-3222	164	12	.	.	PUNCT
fsr-3222	165	1	it	it	PRON
fsr-3222	165	2	can	can	AUX
fsr-3222	165	3	involve	involve	VERB
fsr-3222	165	4	different	different	ADJ
fsr-3222	165	5	ways	way	NOUN
fsr-3222	165	6	that	that	PRON
fsr-3222	165	7	fees	fee	NOUN
fsr-3222	165	8	are	be	AUX
fsr-3222	165	9	charged	charge	VERB
fsr-3222	165	10	,	,	PUNCT
fsr-3222	165	11	with	with	ADP
fsr-3222	165	12	it	it	PRON
fsr-3222	165	13	being	be	AUX
fsr-3222	165	14	unclear	unclear	ADJ
fsr-3222	165	15	as	as	SCONJ
fsr-3222	165	16	to	to	ADP
fsr-3222	165	17	which	which	DET
fsr-3222	165	18	way	way	NOUN
fsr-3222	165	19	would	would	AUX
fsr-3222	165	20	apply	apply	VERB
fsr-3222	165	21	to	to	ADP
fsr-3222	165	22	the	the	DET
fsr-3222	165	23	investor	investor	NOUN
fsr-3222	165	24	,	,	PUNCT
fsr-3222	165	25	or	or	CCONJ
fsr-3222	165	26	when	when	SCONJ
fsr-3222	165	27	there	there	PRON
fsr-3222	165	28	is	be	VERB
fsr-3222	165	29	choice	choice	NOUN
fsr-3222	165	30	,	,	PUNCT
fsr-3222	165	31	which	which	DET
fsr-3222	165	32	way	way	NOUN
fsr-3222	165	33	would	would	AUX
fsr-3222	165	34	be	be	AUX
fsr-3222	165	35	most	most	ADV
fsr-3222	165	36	advantageous	advantageous	ADJ
fsr-3222	165	37	to	to	ADP
fsr-3222	165	38	the	the	DET
fsr-3222	165	39	investor	investor	NOUN
fsr-3222	165	40	.	.	PUNCT
fsr-3222	166	1	some	some	DET
fsr-3222	166	2	companies	company	NOUN
fsr-3222	166	3	make	make	VERB
fsr-3222	166	4	it	it	PRON
fsr-3222	166	5	difficult	difficult	ADJ
fsr-3222	166	6	to	to	PART
fsr-3222	166	7	understand	understand	VERB
fsr-3222	166	8	the	the	DET
fsr-3222	166	9	asset	asset	NOUN
fsr-3222	166	10	base	base	NOUN
fsr-3222	166	11	against	against	ADP
fsr-3222	166	12	which	which	PRON
fsr-3222	166	13	fees	fee	NOUN
fsr-3222	166	14	are	be	AUX
fsr-3222	166	15	being	be	AUX
fsr-3222	166	16	charged	charge	VERB
fsr-3222	166	17	.	.	PUNCT
fsr-3222	167	1	they	they	PRON
fsr-3222	167	2	may	may	AUX
fsr-3222	167	3	use	use	VERB
fsr-3222	167	4	terms	term	NOUN
fsr-3222	167	5	such	such	ADJ
fsr-3222	167	6	as	as	ADP
fsr-3222	167	7	“	"	PUNCT
fsr-3222	167	8	eligible	eligible	ADJ
fsr-3222	167	9	assets	asset	NOUN
fsr-3222	167	10	,	,	PUNCT
fsr-3222	167	11	”	"	PUNCT
fsr-3222	167	12	“	"	PUNCT
fsr-3222	167	13	gross	gross	ADJ
fsr-3222	167	14	assets	asset	NOUN
fsr-3222	167	15	,	,	PUNCT
fsr-3222	167	16	”	"	PUNCT
fsr-3222	167	17	or	or	CCONJ
fsr-3222	167	18	“	"	PUNCT
fsr-3222	167	19	net	net	ADJ
fsr-3222	167	20	assets	asset	NOUN
fsr-3222	167	21	.	.	PUNCT
fsr-3222	167	22	”	"	PUNCT
fsr-3222	168	1	complexity	complexity	NOUN
fsr-3222	168	2	can	can	AUX
fsr-3222	168	3	be	be	AUX
fsr-3222	168	4	increased	increase	VERB
fsr-3222	168	5	by	by	ADP
fsr-3222	168	6	placing	place	VERB
fsr-3222	168	7	disclosures	disclosure	NOUN
fsr-3222	168	8	in	in	ADP
fsr-3222	168	9	places	place	NOUN
fsr-3222	168	10	that	that	PRON
fsr-3222	168	11	would	would	AUX
fsr-3222	168	12	signal	signal	VERB
fsr-3222	168	13	that	that	SCONJ
fsr-3222	168	14	the	the	DET
fsr-3222	168	15	information	information	NOUN
fsr-3222	168	16	is	be	AUX
fsr-3222	168	17	not	not	PART
fsr-3222	168	18	important	important	ADJ
fsr-3222	168	19	,	,	PUNCT
fsr-3222	168	20	such	such	ADJ
fsr-3222	168	21	as	as	ADP
fsr-3222	168	22	footnotes	footnote	NOUN
fsr-3222	168	23	.	.	PUNCT
fsr-3222	169	1	an	an	DET
fsr-3222	169	2	example	example	NOUN
fsr-3222	169	3	of	of	ADP
fsr-3222	169	4	complex	complex	ADJ
fsr-3222	169	5	disclosure	disclosure	NOUN
fsr-3222	169	6	is	be	AUX
fsr-3222	169	7	placing	place	VERB
fsr-3222	169	8	the	the	DET
fsr-3222	169	9	disclosure	disclosure	NOUN
fsr-3222	169	10	at	at	ADP
fsr-3222	169	11	the	the	DET
fsr-3222	169	12	end	end	NOUN
fsr-3222	169	13	of	of	ADP
fsr-3222	169	14	a	a	DET
fsr-3222	169	15	lengthy	lengthy	ADJ
fsr-3222	169	16	segment	segment	NOUN
fsr-3222	169	17	of	of	ADP
fsr-3222	169	18	text	text	NOUN
fsr-3222	169	19	,	,	PUNCT
fsr-3222	169	20	such	such	ADJ
fsr-3222	169	21	as	as	ADP
fsr-3222	169	22	at	at	ADP
fsr-3222	169	23	the	the	DET
fsr-3222	169	24	28th	28th	ADJ
fsr-3222	169	25	line	line	NOUN
fsr-3222	169	26	of	of	ADP
fsr-3222	169	27	footnotes	footnote	NOUN
fsr-3222	169	28	.	.	PUNCT
fsr-3222	170	1	complexity	complexity	NOUN
fsr-3222	170	2	can	can	AUX
fsr-3222	170	3	also	also	ADV
fsr-3222	170	4	be	be	AUX
fsr-3222	170	5	increased	increase	VERB
fsr-3222	170	6	by	by	ADP
fsr-3222	170	7	disclosing	disclose	VERB
fsr-3222	170	8	fees	fee	NOUN
fsr-3222	170	9	in	in	ADP
fsr-3222	170	10	areas	area	NOUN
fsr-3222	170	11	where	where	SCONJ
fsr-3222	170	12	they	they	PRON
fsr-3222	170	13	would	would	AUX
fsr-3222	170	14	not	not	PART
fsr-3222	170	15	be	be	AUX
fsr-3222	170	16	expected	expect	VERB
fsr-3222	170	17	to	to	PART
fsr-3222	170	18	be	be	AUX
fsr-3222	170	19	disclosed	disclose	VERB
fsr-3222	170	20	,	,	PUNCT
fsr-3222	170	21	such	such	ADJ
fsr-3222	170	22	as	as	ADP
fsr-3222	170	23	under	under	ADP
fsr-3222	170	24	a	a	DET
fsr-3222	170	25	different	different	ADJ
fsr-3222	170	26	heading	heading	NOUN
fsr-3222	170	27	from	from	ADP
fsr-3222	170	28	where	where	SCONJ
fsr-3222	170	29	the	the	DET
fsr-3222	170	30	apparent	apparent	ADJ
fsr-3222	170	31	disclosure	disclosure	NOUN
fsr-3222	170	32	occurs	occur	VERB
fsr-3222	170	33	.	.	PUNCT
fsr-3222	171	1	while	while	SCONJ
fsr-3222	171	2	most	most	ADJ
fsr-3222	171	3	fee	fee	NOUN
fsr-3222	171	4	disclosures	disclosure	NOUN
fsr-3222	171	5	are	be	AUX
fsr-3222	171	6	short	short	ADJ
fsr-3222	171	7	,	,	PUNCT
fsr-3222	171	8	some	some	PRON
fsr-3222	171	9	are	be	AUX
fsr-3222	171	10	lengthy	lengthy	ADJ
fsr-3222	171	11	.	.	PUNCT
fsr-3222	172	1	sometimes	sometimes	ADV
fsr-3222	172	2	length	length	NOUN
fsr-3222	172	3	is	be	AUX
fsr-3222	172	4	because	because	SCONJ
fsr-3222	172	5	of	of	ADP
fsr-3222	172	6	the	the	DET
fsr-3222	172	7	addition	addition	NOUN
fsr-3222	172	8	of	of	ADP
fsr-3222	172	9	worked	work	VERB
fsr-3222	172	10	examples	example	NOUN
fsr-3222	172	11	,	,	PUNCT
fsr-3222	172	12	or	or	CCONJ
fsr-3222	172	13	supplementary	supplementary	ADJ
fsr-3222	172	14	information	information	NOUN
fsr-3222	172	15	to	to	PART
fsr-3222	172	16	assist	assist	VERB
fsr-3222	172	17	in	in	ADP
fsr-3222	172	18	understanding	understand	VERB
fsr-3222	172	19	the	the	DET
fsr-3222	172	20	fees	fee	NOUN
fsr-3222	172	21	.	.	PUNCT
fsr-3222	173	1	we	we	PRON
fsr-3222	173	2	do	do	AUX
fsr-3222	173	3	not	not	PART
fsr-3222	173	4	include	include	VERB
fsr-3222	173	5	worked	work	VERB
fsr-3222	173	6	examples	example	NOUN
fsr-3222	173	7	and	and	CCONJ
fsr-3222	173	8	supplementary	supplementary	ADJ
fsr-3222	173	9	information	information	NOUN
fsr-3222	173	10	as	as	ADP
fsr-3222	173	11	part	part	NOUN
fsr-3222	173	12	of	of	ADP
fsr-3222	173	13	the	the	DET
fsr-3222	173	14	basic	basic	ADJ
fsr-3222	173	15	fee	fee	NOUN
fsr-3222	173	16	disclosure	disclosure	NOUN
fsr-3222	173	17	when	when	SCONJ
fsr-3222	173	18	we	we	PRON
fsr-3222	173	19	count	count	VERB
fsr-3222	173	20	sentence	sentence	NOUN
fsr-3222	173	21	length	length	NOUN
fsr-3222	173	22	.	.	PUNCT
fsr-3222	174	1	complexity	complexity	NOUN
fsr-3222	174	2	can	can	AUX
fsr-3222	174	3	be	be	AUX
fsr-3222	174	4	increased	increase	VERB
fsr-3222	174	5	by	by	ADP
fsr-3222	174	6	indicating	indicate	VERB
fsr-3222	174	7	a	a	DET
fsr-3222	174	8	degree	degree	NOUN
fsr-3222	174	9	of	of	ADP
fsr-3222	174	10	uncertainty	uncertainty	NOUN
fsr-3222	174	11	or	or	CCONJ
fsr-3222	174	12	ambiguity	ambiguity	NOUN
fsr-3222	174	13	as	as	ADP
fsr-3222	174	14	to	to	ADP
fsr-3222	174	15	actual	actual	ADJ
fsr-3222	174	16	fees	fee	NOUN
fsr-3222	174	17	,	,	PUNCT
fsr-3222	174	18	with	with	ADP
fsr-3222	174	19	use	use	NOUN
fsr-3222	174	20	of	of	ADP
fsr-3222	174	21	the	the	DET
fsr-3222	174	22	word	word	NOUN
fsr-3222	174	23	“	"	PUNCT
fsr-3222	174	24	may	may	AUX
fsr-3222	174	25	”	"	PUNCT
fsr-3222	174	26	to	to	PART
fsr-3222	174	27	indicate	indicate	VERB
fsr-3222	174	28	that	that	SCONJ
fsr-3222	174	29	actual	actual	ADJ
fsr-3222	174	30	fees	fee	NOUN
fsr-3222	174	31	may	may	AUX
fsr-3222	174	32	be	be	AUX
fsr-3222	174	33	greater	great	ADJ
fsr-3222	174	34	or	or	CCONJ
fsr-3222	174	35	less	less	ADJ
fsr-3222	174	36	.	.	PUNCT
fsr-3222	175	1	often	often	ADV
fsr-3222	175	2	this	this	PRON
fsr-3222	175	3	involves	involve	VERB
fsr-3222	175	4	listing	list	VERB
fsr-3222	175	5	factors	factor	NOUN
fsr-3222	175	6	that	that	PRON
fsr-3222	175	7	may	may	AUX
fsr-3222	175	8	affect	affect	VERB
fsr-3222	175	9	the	the	DET
fsr-3222	175	10	level	level	NOUN
fsr-3222	175	11	of	of	ADP
fsr-3222	175	12	fees	fee	NOUN
fsr-3222	175	13	,	,	PUNCT
fsr-3222	175	14	but	but	CCONJ
fsr-3222	175	15	not	not	PART
fsr-3222	175	16	disclosing	disclose	VERB
fsr-3222	175	17	by	by	ADP
fsr-3222	175	18	how	how	SCONJ
fsr-3222	175	19	much	much	ADJ
fsr-3222	175	20	fees	fee	NOUN
fsr-3222	175	21	would	would	AUX
fsr-3222	175	22	be	be	AUX
fsr-3222	175	23	affected	affect	VERB
fsr-3222	175	24	.	.	PUNCT
fsr-3222	176	1	some	some	DET
fsr-3222	176	2	disclosures	disclosure	NOUN
fsr-3222	176	3	provide	provide	VERB
fsr-3222	176	4	information	information	NOUN
fsr-3222	176	5	that	that	PRON
fsr-3222	176	6	may	may	AUX
fsr-3222	176	7	mislead	mislead	VERB
fsr-3222	176	8	unsophisticated	unsophisticated	ADJ
fsr-3222	176	9	investors	investor	NOUN
fsr-3222	176	10	.	.	PUNCT
fsr-3222	177	1	for	for	ADP
fsr-3222	177	2	example	example	NOUN
fsr-3222	177	3	,	,	PUNCT
fsr-3222	177	4	edelman	edelman	NOUN
fsr-3222	177	5	(	(	PUNCT
fsr-3222	177	6	2013	2013	NUM
fsr-3222	177	7	)	)	PUNCT
fsr-3222	177	8	provides	provide	VERB
fsr-3222	177	9	the	the	DET
fsr-3222	177	10	following	follow	VERB
fsr-3222	177	11	statement	statement	NOUN
fsr-3222	177	12	:	:	PUNCT
fsr-3222	177	13	“	"	PUNCT
fsr-3222	177	14	you	you	PRON
fsr-3222	177	15	never	never	ADV
fsr-3222	177	16	pay	pay	VERB
fsr-3222	177	17	any	any	DET
fsr-3222	177	18	commissions	commission	NOUN
fsr-3222	177	19	,	,	PUNCT
fsr-3222	177	20	brokerage	brokerage	NOUN
fsr-3222	177	21	fees	fee	NOUN
fsr-3222	177	22	or	or	CCONJ
fsr-3222	177	23	trading	trading	NOUN
fsr-3222	177	24	costs	cost	NOUN
fsr-3222	177	25	.	.	PUNCT
fsr-3222	177	26	”	"	PUNCT
fsr-3222	178	1	what	what	PRON
fsr-3222	178	2	this	this	DET
fsr-3222	178	3	statement	statement	NOUN
fsr-3222	178	4	presumably	presumably	ADV
fsr-3222	178	5	means	mean	VERB
fsr-3222	178	6	is	be	AUX
fsr-3222	178	7	that	that	SCONJ
fsr-3222	178	8	the	the	DET
fsr-3222	178	9	client	client	NOUN
fsr-3222	178	10	does	do	AUX
fsr-3222	178	11	not	not	PART
fsr-3222	178	12	pay	pay	VERB
fsr-3222	178	13	these	these	DET
fsr-3222	178	14	fees	fee	NOUN
fsr-3222	178	15	or	or	CCONJ
fsr-3222	178	16	costs	cost	NOUN
fsr-3222	178	17	as	as	ADP
fsr-3222	178	18	part	part	NOUN
fsr-3222	178	19	of	of	ADP
fsr-3222	178	20	their	their	PRON
fsr-3222	178	21	advisory	advisory	ADJ
fsr-3222	178	22	fee	fee	NOUN
fsr-3222	178	23	to	to	ADP
fsr-3222	178	24	edelman	edelman	NOUN
fsr-3222	178	25	.	.	PUNCT
fsr-3222	179	1	the	the	DET
fsr-3222	179	2	client	client	NOUN
fsr-3222	179	3	does	do	AUX
fsr-3222	179	4	,	,	PUNCT
fsr-3222	179	5	of	of	ADP
fsr-3222	179	6	course	course	NOUN
fsr-3222	179	7	,	,	PUNCT
fsr-3222	179	8	pay	pay	VERB
fsr-3222	179	9	trading	trading	NOUN
fsr-3222	179	10	costs	cost	NOUN
fsr-3222	179	11	relating	relate	VERB
fsr-3222	179	12	to	to	ADP
fsr-3222	179	13	the	the	DET
fsr-3222	179	14	underlying	underlie	VERB
fsr-3222	179	15	investments	investment	NOUN
fsr-3222	179	16	.	.	PUNCT
fsr-3222	180	1	an	an	DET
fsr-3222	180	2	unsophisticated	unsophisticated	ADJ
fsr-3222	180	3	investor	investor	NOUN
fsr-3222	180	4	is	be	AUX
fsr-3222	180	5	not	not	PART
fsr-3222	180	6	likely	likely	ADJ
fsr-3222	180	7	to	to	PART
fsr-3222	180	8	see	see	VERB
fsr-3222	180	9	this	this	DET
fsr-3222	180	10	distinction	distinction	NOUN
fsr-3222	180	11	.	.	PUNCT
fsr-3222	181	1	complexity	complexity	NOUN
fsr-3222	181	2	can	can	AUX
fsr-3222	181	3	be	be	AUX
fsr-3222	181	4	increased	increase	VERB
fsr-3222	181	5	by	by	ADP
fsr-3222	181	6	making	make	VERB
fsr-3222	181	7	it	it	PRON
fsr-3222	181	8	more	more	ADV
fsr-3222	181	9	difficult	difficult	ADJ
fsr-3222	181	10	to	to	PART
fsr-3222	181	11	find	find	VERB
fsr-3222	181	12	fee	fee	NOUN
fsr-3222	181	13	information	information	NOUN
fsr-3222	181	14	.	.	PUNCT
fsr-3222	182	1	one	one	NUM
fsr-3222	182	2	measure	measure	NOUN
fsr-3222	182	3	of	of	ADP
fsr-3222	182	4	difficulty	difficulty	NOUN
fsr-3222	182	5	is	be	AUX
fsr-3222	182	6	the	the	DET
fsr-3222	182	7	number	number	NOUN
fsr-3222	182	8	of	of	ADP
fsr-3222	182	9	clicks	click	NOUN
fsr-3222	182	10	it	it	PRON
fsr-3222	182	11	takes	take	VERB
fsr-3222	182	12	to	to	PART
fsr-3222	182	13	get	get	VERB
fsr-3222	182	14	from	from	ADP
fsr-3222	182	15	the	the	DET
fsr-3222	182	16	initial	initial	ADJ
fsr-3222	182	17	web	web	NOUN
fsr-3222	182	18	page	page	NOUN
fsr-3222	182	19	describing	describe	VERB
fsr-3222	182	20	advisory	advisory	ADJ
fsr-3222	182	21	services	service	NOUN
fsr-3222	182	22	to	to	ADP
fsr-3222	182	23	the	the	DET
fsr-3222	182	24	page	page	NOUN
fsr-3222	182	25	providing	provide	VERB
fsr-3222	182	26	fee	fee	NOUN
fsr-3222	182	27	information	information	NOUN
fsr-3222	182	28	.	.	PUNCT
fsr-3222	183	1	with	with	ADP
fsr-3222	183	2	nondisclosure	nondisclosure	NOUN
fsr-3222	183	3	,	,	PUNCT
fsr-3222	183	4	it	it	PRON
fsr-3222	183	5	is	be	AUX
fsr-3222	183	6	impossible	impossible	ADJ
fsr-3222	183	7	to	to	PART
fsr-3222	183	8	obtain	obtain	VERB
fsr-3222	183	9	information	information	NOUN
fsr-3222	183	10	as	as	ADP
fsr-3222	183	11	to	to	ADP
fsr-3222	183	12	level	level	NOUN
fsr-3222	183	13	of	of	ADP
fsr-3222	183	14	advisory	advisory	ADJ
fsr-3222	183	15	fees	fee	NOUN
fsr-3222	183	16	because	because	SCONJ
fsr-3222	183	17	that	that	DET
fsr-3222	183	18	information	information	NOUN
fsr-3222	183	19	is	be	AUX
fsr-3222	183	20	not	not	PART
fsr-3222	183	21	provided	provide	VERB
fsr-3222	183	22	.	.	PUNCT
fsr-3222	184	1	a	a	DET
fsr-3222	184	2	number	number	NOUN
fsr-3222	184	3	of	of	ADP
fsr-3222	184	4	major	major	ADJ
fsr-3222	184	5	financial	financial	ADJ
fsr-3222	184	6	service	service	NOUN
fsr-3222	184	7	providers	provider	NOUN
fsr-3222	184	8	do	do	AUX
fsr-3222	184	9	not	not	PART
fsr-3222	184	10	disclose	disclose	VERB
fsr-3222	184	11	information	information	NOUN
fsr-3222	184	12	about	about	ADP
fsr-3222	184	13	their	their	PRON
fsr-3222	184	14	fees	fee	NOUN
fsr-3222	184	15	on	on	ADP
fsr-3222	184	16	the	the	DET
fsr-3222	184	17	internet	internet	NOUN
fsr-3222	184	18	,	,	PUNCT
fsr-3222	184	19	but	but	CCONJ
fsr-3222	184	20	instead	instead	ADV
fsr-3222	184	21	require	require	VERB
fsr-3222	184	22	that	that	SCONJ
fsr-3222	184	23	a	a	DET
fsr-3222	184	24	potential	potential	ADJ
fsr-3222	184	25	client	client	NOUN
fsr-3222	184	26	talk	talk	NOUN
fsr-3222	184	27	to	to	ADP
fsr-3222	184	28	an	an	DET
fsr-3222	184	29	adviser	adviser	NOUN
fsr-3222	184	30	.	.	PUNCT
fsr-3222	185	1	complexity	complexity	NOUN
fsr-3222	185	2	can	can	AUX
fsr-3222	185	3	involve	involve	VERB
fsr-3222	185	4	not	not	PART
fsr-3222	185	5	disclosing	disclose	VERB
fsr-3222	185	6	information	information	NOUN
fsr-3222	185	7	about	about	ADP
fsr-3222	185	8	the	the	DET
fsr-3222	185	9	fees	fee	NOUN
fsr-3222	185	10	charged	charge	VERB
fsr-3222	185	11	by	by	ADP
fsr-3222	185	12	the	the	DET
fsr-3222	185	13	investment	investment	NOUN
fsr-3222	185	14	products	product	NOUN
fsr-3222	185	15	that	that	PRON
fsr-3222	185	16	the	the	DET
fsr-3222	185	17	adviser	adviser	NOUN
fsr-3222	185	18	recommends	recommend	VERB
fsr-3222	185	19	.	.	PUNCT
fsr-3222	186	1	in	in	ADP
fsr-3222	186	2	practice	practice	NOUN
fsr-3222	186	3	,	,	PUNCT
fsr-3222	186	4	rarely	rarely	ADV
fsr-3222	186	5	do	do	AUX
fsr-3222	186	6	disclosures	disclosure	NOUN
fsr-3222	186	7	provide	provide	VERB
fsr-3222	186	8	information	information	NOUN
fsr-3222	186	9	as	as	ADP
fsr-3222	186	10	to	to	ADP
fsr-3222	186	11	the	the	DET
fsr-3222	186	12	range	range	NOUN
fsr-3222	186	13	of	of	ADP
fsr-3222	186	14	fees	fee	NOUN
fsr-3222	186	15	or	or	CCONJ
fsr-3222	186	16	typical	typical	ADJ
fsr-3222	186	17	fees	fee	NOUN
fsr-3222	186	18	of	of	ADP
fsr-3222	186	19	the	the	DET
fsr-3222	186	20	investment	investment	NOUN
fsr-3222	186	21	products	product	NOUN
fsr-3222	186	22	they	they	PRON
fsr-3222	186	23	recommend	recommend	VERB
fsr-3222	186	24	.	.	PUNCT
fsr-3222	187	1	while	while	SCONJ
fsr-3222	187	2	that	that	PRON
fsr-3222	187	3	is	be	AUX
fsr-3222	187	4	not	not	PART
fsr-3222	187	5	an	an	DET
fsr-3222	187	6	aspect	aspect	NOUN
fsr-3222	187	7	of	of	ADP
fsr-3222	187	8	the	the	DET
fsr-3222	187	9	compensation	compensation	NOUN
fsr-3222	187	10	of	of	ADP
fsr-3222	187	11	the	the	DET
fsr-3222	187	12	adviser	adviser	NOUN
fsr-3222	187	13	,	,	PUNCT
fsr-3222	187	14	it	it	PRON
fsr-3222	187	15	is	be	AUX
fsr-3222	187	16	an	an	DET
fsr-3222	187	17	aspect	aspect	NOUN
fsr-3222	187	18	of	of	ADP
fsr-3222	187	19	the	the	DET
fsr-3222	187	20	cost	cost	NOUN
fsr-3222	187	21	to	to	ADP
fsr-3222	187	22	the	the	DET
fsr-3222	187	23	client	client	NOUN
fsr-3222	187	24	.	.	PUNCT
fsr-3222	188	1	222	222	NUM
fsr-3222	188	2	l.a	l.a	PROPN
fsr-3222	188	3	.	.	PROPN
fsr-3222	188	4	muller	muller	PROPN
fsr-3222	188	5	,	,	PUNCT
fsr-3222	188	6	j.a	j.a	PROPN
fsr-3222	188	7	.	.	PROPN
fsr-3222	188	8	turner	turner	PROPN
fsr-3222	188	9	/	/	SYM
fsr-3222	188	10	financial	financial	ADJ
fsr-3222	188	11	services	service	NOUN
fsr-3222	188	12	review	review	VERB
fsr-3222	188	13	25	25	NUM
fsr-3222	188	14	(	(	PUNCT
fsr-3222	188	15	2016	2016	NUM
fsr-3222	188	16	)	)	PUNCT
fsr-3222	188	17	215–234	215–234	NUM
fsr-3222	188	18	6	6	NUM
fsr-3222	188	19	.	.	PUNCT
fsr-3222	189	1	empirical	empirical	ADJ
fsr-3222	189	2	analysis	analysis	NOUN
fsr-3222	189	3	rating	rating	NOUN
fsr-3222	189	4	fee	fee	NOUN
fsr-3222	189	5	disclosures	disclosure	NOUN
fsr-3222	189	6	in	in	ADP
fsr-3222	189	7	this	this	DET
fsr-3222	189	8	section	section	NOUN
fsr-3222	189	9	,	,	PUNCT
fsr-3222	189	10	we	we	PRON
fsr-3222	189	11	examine	examine	VERB
fsr-3222	189	12	the	the	DET
fsr-3222	189	13	fee	fee	NOUN
fsr-3222	189	14	disclosures	disclosure	NOUN
fsr-3222	189	15	of	of	ADP
fsr-3222	189	16	a	a	DET
fsr-3222	189	17	small	small	ADJ
fsr-3222	189	18	number	number	NOUN
fsr-3222	189	19	of	of	ADP
fsr-3222	189	20	firms	firm	NOUN
fsr-3222	189	21	.	.	PUNCT
fsr-3222	190	1	because	because	SCONJ
fsr-3222	190	2	we	we	PRON
fsr-3222	190	3	individually	individually	ADV
fsr-3222	190	4	code	code	VERB
fsr-3222	190	5	the	the	DET
fsr-3222	190	6	complexity	complexity	NOUN
fsr-3222	190	7	of	of	ADP
fsr-3222	190	8	the	the	DET
fsr-3222	190	9	fee	fee	NOUN
fsr-3222	190	10	disclosures	disclosure	NOUN
fsr-3222	190	11	,	,	PUNCT
fsr-3222	190	12	the	the	DET
fsr-3222	190	13	sample	sample	NOUN
fsr-3222	190	14	size	size	NOUN
fsr-3222	190	15	is	be	AUX
fsr-3222	190	16	small	small	ADJ
fsr-3222	190	17	.	.	PUNCT
fsr-3222	191	1	this	this	DET
fsr-3222	191	2	empirical	empirical	ADJ
fsr-3222	191	3	analysis	analysis	NOUN
fsr-3222	191	4	is	be	AUX
fsr-3222	191	5	intended	intend	VERB
fsr-3222	191	6	to	to	PART
fsr-3222	191	7	demonstrate	demonstrate	VERB
fsr-3222	191	8	the	the	DET
fsr-3222	191	9	use	use	NOUN
fsr-3222	191	10	of	of	ADP
fsr-3222	191	11	the	the	DET
fsr-3222	191	12	analytical	analytical	ADJ
fsr-3222	191	13	tools	tool	NOUN
fsr-3222	191	14	we	we	PRON
fsr-3222	191	15	develop	develop	VERB
fsr-3222	191	16	,	,	PUNCT
fsr-3222	191	17	but	but	CCONJ
fsr-3222	191	18	also	also	ADV
fsr-3222	191	19	to	to	PART
fsr-3222	191	20	provide	provide	VERB
fsr-3222	191	21	suggestive	suggestive	ADJ
fsr-3222	191	22	evidence	evidence	NOUN
fsr-3222	191	23	as	as	ADP
fsr-3222	191	24	to	to	ADP
fsr-3222	191	25	the	the	DET
fsr-3222	191	26	relationship	relationship	NOUN
fsr-3222	191	27	between	between	ADP
fsr-3222	191	28	level	level	NOUN
fsr-3222	191	29	of	of	ADP
fsr-3222	191	30	complexity	complexity	NOUN
fsr-3222	191	31	of	of	ADP
fsr-3222	191	32	fee	fee	NOUN
fsr-3222	191	33	disclosure	disclosure	NOUN
fsr-3222	191	34	and	and	CCONJ
fsr-3222	191	35	level	level	NOUN
fsr-3222	191	36	of	of	ADP
fsr-3222	191	37	fees	fee	NOUN
fsr-3222	191	38	.	.	PUNCT
fsr-3222	192	1	we	we	PRON
fsr-3222	192	2	argue	argue	VERB
fsr-3222	192	3	that	that	SCONJ
fsr-3222	192	4	complexity	complexity	NOUN
fsr-3222	192	5	is	be	AUX
fsr-3222	192	6	a	a	DET
fsr-3222	192	7	multidimensional	multidimensional	ADJ
fsr-3222	192	8	(	(	PUNCT
fsr-3222	192	9	or	or	CCONJ
fsr-3222	192	10	complex	complex	ADJ
fsr-3222	192	11	)	)	PUNCT
fsr-3222	192	12	strategy	strategy	NOUN
fsr-3222	192	13	.	.	PUNCT
fsr-3222	193	1	our	our	PRON
fsr-3222	193	2	small	small	ADJ
fsr-3222	193	3	sample	sample	NOUN
fsr-3222	193	4	of	of	ADP
fsr-3222	193	5	fee	fee	NOUN
fsr-3222	193	6	disclosures	disclosure	NOUN
fsr-3222	193	7	is	be	AUX
fsr-3222	193	8	limited	limit	VERB
fsr-3222	193	9	in	in	ADP
fsr-3222	193	10	several	several	ADJ
fsr-3222	193	11	ways	way	NOUN
fsr-3222	193	12	.	.	PUNCT
fsr-3222	194	1	first	first	ADV
fsr-3222	194	2	,	,	PUNCT
fsr-3222	194	3	it	it	PRON
fsr-3222	194	4	is	be	AUX
fsr-3222	194	5	limited	limit	VERB
fsr-3222	194	6	to	to	ADP
fsr-3222	194	7	firms	firm	NOUN
fsr-3222	194	8	that	that	PRON
fsr-3222	194	9	disclose	disclose	VERB
fsr-3222	194	10	their	their	PRON
fsr-3222	194	11	fees	fee	NOUN
fsr-3222	194	12	over	over	ADP
fsr-3222	194	13	the	the	DET
fsr-3222	194	14	internet	internet	NOUN
fsr-3222	194	15	.	.	PUNCT
fsr-3222	195	1	second	second	ADV
fsr-3222	195	2	,	,	PUNCT
fsr-3222	195	3	it	it	PRON
fsr-3222	195	4	is	be	AUX
fsr-3222	195	5	limited	limit	VERB
fsr-3222	195	6	to	to	ADP
fsr-3222	195	7	firms	firm	NOUN
fsr-3222	195	8	that	that	PRON
fsr-3222	195	9	do	do	AUX
fsr-3222	195	10	not	not	PART
fsr-3222	195	11	also	also	ADV
fsr-3222	195	12	receive	receive	VERB
fsr-3222	195	13	compensation	compensation	NOUN
fsr-3222	195	14	through	through	ADP
fsr-3222	195	15	commissions	commission	NOUN
fsr-3222	195	16	.	.	PUNCT
fsr-3222	196	1	part	part	NOUN
fsr-3222	196	2	of	of	ADP
fsr-3222	196	3	the	the	DET
fsr-3222	196	4	fee	fee	NOUN
fsr-3222	196	5	paid	pay	VERB
fsr-3222	196	6	by	by	ADP
fsr-3222	196	7	the	the	DET
fsr-3222	196	8	participant	participant	NOUN
fsr-3222	196	9	may	may	AUX
fsr-3222	196	10	be	be	AUX
fsr-3222	196	11	hidden	hide	VERB
fsr-3222	196	12	in	in	ADP
fsr-3222	196	13	the	the	DET
fsr-3222	196	14	form	form	NOUN
fsr-3222	196	15	of	of	ADP
fsr-3222	196	16	higher	high	ADJ
fsr-3222	196	17	expense	expense	NOUN
fsr-3222	196	18	ratios	ratio	NOUN
fsr-3222	196	19	on	on	ADP
fsr-3222	196	20	the	the	DET
fsr-3222	196	21	investments	investment	NOUN
fsr-3222	196	22	to	to	PART
fsr-3222	196	23	offset	offset	VERB
fsr-3222	196	24	the	the	DET
fsr-3222	196	25	commissions	commission	NOUN
fsr-3222	196	26	the	the	DET
fsr-3222	196	27	mutual	mutual	ADJ
fsr-3222	196	28	fund	fund	NOUN
fsr-3222	196	29	companies	company	NOUN
fsr-3222	196	30	pay	pay	VERB
fsr-3222	196	31	directly	directly	ADV
fsr-3222	196	32	to	to	ADP
fsr-3222	196	33	the	the	DET
fsr-3222	196	34	adviser	adviser	NOUN
fsr-3222	196	35	.	.	PUNCT
fsr-3222	197	1	third	third	ADJ
fsr-3222	197	2	,	,	PUNCT
fsr-3222	197	3	the	the	DET
fsr-3222	197	4	sample	sample	NOUN
fsr-3222	197	5	is	be	AUX
fsr-3222	197	6	limited	limit	VERB
fsr-3222	197	7	to	to	ADP
fsr-3222	197	8	firms	firm	NOUN
fsr-3222	197	9	with	with	ADP
fsr-3222	197	10	a	a	DET
fsr-3222	197	11	minimum	minimum	ADJ
fsr-3222	197	12	asset	asset	NOUN
fsr-3222	197	13	level	level	NOUN
fsr-3222	197	14	for	for	ADP
fsr-3222	197	15	advice	advice	NOUN
fsr-3222	197	16	of	of	ADP
fsr-3222	197	17	no	no	DET
fsr-3222	197	18	more	more	ADJ
fsr-3222	197	19	than	than	ADP
fsr-3222	197	20	$	$	SYM
fsr-3222	197	21	500,000	500,000	NUM
fsr-3222	197	22	.	.	PUNCT
fsr-3222	198	1	we	we	PRON
fsr-3222	198	2	pick	pick	VERB
fsr-3222	198	3	that	that	DET
fsr-3222	198	4	figure	figure	NOUN
fsr-3222	198	5	because	because	SCONJ
fsr-3222	198	6	it	it	PRON
fsr-3222	198	7	is	be	AUX
fsr-3222	198	8	the	the	DET
fsr-3222	198	9	minimum	minimum	NOUN
fsr-3222	198	10	used	use	VERB
fsr-3222	198	11	by	by	ADP
fsr-3222	198	12	a	a	DET
fsr-3222	198	13	number	number	NOUN
fsr-3222	198	14	of	of	ADP
fsr-3222	198	15	companies	company	NOUN
fsr-3222	198	16	.	.	PUNCT
fsr-3222	199	1	arguably	arguably	ADV
fsr-3222	199	2	,	,	PUNCT
fsr-3222	199	3	investors	investor	NOUN
fsr-3222	199	4	with	with	ADP
fsr-3222	199	5	higher	high	ADJ
fsr-3222	199	6	amounts	amount	NOUN
fsr-3222	199	7	would	would	AUX
fsr-3222	199	8	tend	tend	VERB
fsr-3222	199	9	to	to	PART
fsr-3222	199	10	be	be	AUX
fsr-3222	199	11	more	more	ADV
fsr-3222	199	12	sophisticated	sophisticated	ADJ
fsr-3222	199	13	and	and	CCONJ
fsr-3222	199	14	thus	thus	ADV
fsr-3222	199	15	more	more	ADV
fsr-3222	199	16	likely	likely	ADJ
fsr-3222	199	17	to	to	PART
fsr-3222	199	18	be	be	AUX
fsr-3222	199	19	able	able	ADJ
fsr-3222	199	20	to	to	PART
fsr-3222	199	21	understand	understand	VERB
fsr-3222	199	22	complex	complex	ADJ
fsr-3222	199	23	fee	fee	NOUN
fsr-3222	199	24	disclosures	disclosure	NOUN
fsr-3222	199	25	.	.	PUNCT
fsr-3222	200	1	furthermore	furthermore	ADV
fsr-3222	200	2	,	,	PUNCT
fsr-3222	200	3	a	a	DET
fsr-3222	200	4	limit	limit	NOUN
fsr-3222	200	5	above	above	ADP
fsr-3222	200	6	that	that	DET
fsr-3222	200	7	amount	amount	NOUN
fsr-3222	200	8	would	would	AUX
fsr-3222	200	9	exclude	exclude	VERB
fsr-3222	200	10	most	most	ADJ
fsr-3222	200	11	people	people	NOUN
fsr-3222	200	12	.	.	PUNCT
fsr-3222	201	1	in	in	ADP
fsr-3222	201	2	rating	rating	NOUN
fsr-3222	201	3	grade	grade	NOUN
fsr-3222	201	4	level	level	NOUN
fsr-3222	201	5	of	of	ADP
fsr-3222	201	6	the	the	DET
fsr-3222	201	7	text	text	NOUN
fsr-3222	201	8	of	of	ADP
fsr-3222	201	9	the	the	DET
fsr-3222	201	10	disclosures	disclosure	NOUN
fsr-3222	201	11	,	,	PUNCT
fsr-3222	201	12	we	we	PRON
fsr-3222	201	13	apply	apply	VERB
fsr-3222	201	14	the	the	DET
fsr-3222	201	15	adjusted	adjust	VERB
fsr-3222	201	16	dale	dale	NOUN
fsr-3222	201	17	-	-	PUNCT
fsr-3222	201	18	chall	chall	NOUN
fsr-3222	201	19	readability	readability	NOUN
fsr-3222	201	20	formula	formula	NOUN
fsr-3222	201	21	(	(	PUNCT
fsr-3222	201	22	eq	eq	NOUN
fsr-3222	201	23	.	.	NOUN
fsr-3222	201	24	2	2	NUM
fsr-3222	201	25	)	)	PUNCT
fsr-3222	201	26	,	,	PUNCT
fsr-3222	201	27	but	but	CCONJ
fsr-3222	201	28	instead	instead	ADV
fsr-3222	201	29	of	of	ADP
fsr-3222	201	30	using	use	VERB
fsr-3222	201	31	their	their	PRON
fsr-3222	201	32	vocabulary	vocabulary	ADJ
fsr-3222	201	33	list	list	NOUN
fsr-3222	201	34	,	,	PUNCT
fsr-3222	201	35	we	we	PRON
fsr-3222	201	36	apply	apply	VERB
fsr-3222	201	37	our	our	PRON
fsr-3222	201	38	own	own	ADJ
fsr-3222	201	39	subjective	subjective	ADJ
fsr-3222	201	40	assessment	assessment	NOUN
fsr-3222	201	41	as	as	ADP
fsr-3222	201	42	to	to	ADP
fsr-3222	201	43	which	which	PRON
fsr-3222	201	44	words	word	NOUN
fsr-3222	201	45	would	would	AUX
fsr-3222	201	46	be	be	AUX
fsr-3222	201	47	considered	consider	VERB
fsr-3222	201	48	difficult	difficult	ADJ
fsr-3222	201	49	.	.	PUNCT
fsr-3222	202	1	computer	computer	NOUN
fsr-3222	202	2	analyses	analysis	NOUN
fsr-3222	202	3	of	of	ADP
fsr-3222	202	4	texts	text	NOUN
fsr-3222	202	5	can	can	AUX
fsr-3222	202	6	have	have	VERB
fsr-3222	202	7	difficulty	difficulty	NOUN
fsr-3222	202	8	determining	determine	VERB
fsr-3222	202	9	sentence	sentence	NOUN
fsr-3222	202	10	length	length	NOUN
fsr-3222	202	11	because	because	SCONJ
fsr-3222	202	12	not	not	PART
fsr-3222	202	13	every	every	DET
fsr-3222	202	14	period	period	NOUN
fsr-3222	202	15	denotes	denote	VERB
fsr-3222	202	16	the	the	DET
fsr-3222	202	17	end	end	NOUN
fsr-3222	202	18	of	of	ADP
fsr-3222	202	19	a	a	DET
fsr-3222	202	20	sentence	sentence	NOUN
fsr-3222	202	21	.	.	PUNCT
fsr-3222	203	1	that	that	DET
fsr-3222	203	2	problem	problem	NOUN
fsr-3222	203	3	is	be	AUX
fsr-3222	203	4	not	not	PART
fsr-3222	203	5	an	an	DET
fsr-3222	203	6	issue	issue	NOUN
fsr-3222	203	7	in	in	ADP
fsr-3222	203	8	the	the	DET
fsr-3222	203	9	analysis	analysis	NOUN
fsr-3222	203	10	in	in	ADP
fsr-3222	203	11	this	this	DET
fsr-3222	203	12	article	article	NOUN
fsr-3222	203	13	,	,	PUNCT
fsr-3222	203	14	where	where	SCONJ
fsr-3222	203	15	we	we	PRON
fsr-3222	203	16	visually	visually	ADV
fsr-3222	203	17	count	count	VERB
fsr-3222	203	18	sentence	sentence	NOUN
fsr-3222	203	19	length	length	NOUN
fsr-3222	203	20	.	.	PUNCT
fsr-3222	204	1	the	the	DET
fsr-3222	204	2	10	10	NUM
fsr-3222	204	3	largest	large	ADJ
fsr-3222	204	4	mutual	mutual	ADJ
fsr-3222	204	5	fund	fund	NOUN
fsr-3222	204	6	companies	company	NOUN
fsr-3222	204	7	in	in	ADP
fsr-3222	204	8	the	the	DET
fsr-3222	204	9	united	united	PROPN
fsr-3222	204	10	states	states	PROPN
fsr-3222	204	11	are	be	AUX
fsr-3222	204	12	vanguard	vanguard	NOUN
fsr-3222	204	13	,	,	PUNCT
fsr-3222	204	14	american	american	PROPN
fsr-3222	204	15	,	,	PUNCT
fsr-3222	204	16	fidelity	fidelity	PROPN
fsr-3222	204	17	,	,	PUNCT
fsr-3222	204	18	t.	t.	PROPN
fsr-3222	204	19	rowe	rowe	PROPN
fsr-3222	204	20	price	price	PROPN
fsr-3222	204	21	,	,	PUNCT
fsr-3222	204	22	pimco	pimco	PROPN
fsr-3222	204	23	,	,	PUNCT
fsr-3222	204	24	franklin	franklin	PROPN
fsr-3222	204	25	templeton	templeton	PROPN
fsr-3222	204	26	,	,	PUNCT
fsr-3222	204	27	blackrock	blackrock	PROPN
fsr-3222	204	28	,	,	PUNCT
fsr-3222	204	29	oppenheimer	oppenheimer	PROPN
fsr-3222	204	30	,	,	PUNCT
fsr-3222	204	31	jp	jp	NOUN
fsr-3222	204	32	morgan	morgan	PROPN
fsr-3222	204	33	,	,	PUNCT
fsr-3222	204	34	and	and	CCONJ
fsr-3222	204	35	columbia	columbia	PROPN
fsr-3222	204	36	(	(	PUNCT
fsr-3222	204	37	roth	roth	PROPN
fsr-3222	204	38	,	,	PUNCT
fsr-3222	204	39	2012	2012	NUM
fsr-3222	204	40	)	)	PUNCT
fsr-3222	204	41	.	.	PUNCT
fsr-3222	205	1	the	the	DET
fsr-3222	205	2	top	top	ADJ
fsr-3222	205	3	three	three	NUM
fsr-3222	205	4	companies	company	NOUN
fsr-3222	205	5	—	—	PUNCT
fsr-3222	205	6	vanguard	vanguard	NOUN
fsr-3222	205	7	,	,	PUNCT
fsr-3222	205	8	american	american	PROPN
fsr-3222	205	9	,	,	PUNCT
fsr-3222	205	10	and	and	CCONJ
fsr-3222	205	11	fidelity	fidelity	PROPN
fsr-3222	205	12	—	—	PUNCT
fsr-3222	205	13	controlled	control	VERB
fsr-3222	205	14	$	$	SYM
fsr-3222	205	15	2.6	2.6	NUM
fsr-3222	205	16	trillion	trillion	NUM
fsr-3222	205	17	in	in	ADP
fsr-3222	205	18	assets	asset	NOUN
fsr-3222	205	19	in	in	ADP
fsr-3222	205	20	2008	2008	NUM
fsr-3222	205	21	(	(	PUNCT
fsr-3222	205	22	vohwinkle	vohwinkle	INTJ
fsr-3222	205	23	,	,	PUNCT
fsr-3222	205	24	2008	2008	NUM
fsr-3222	205	25	)	)	PUNCT
fsr-3222	205	26	.	.	PUNCT
fsr-3222	206	1	we	we	PRON
fsr-3222	206	2	examine	examine	VERB
fsr-3222	206	3	fee	fee	NOUN
fsr-3222	206	4	disclosures	disclosure	NOUN
fsr-3222	206	5	for	for	ADP
fsr-3222	206	6	all	all	PRON
fsr-3222	206	7	of	of	ADP
fsr-3222	206	8	these	these	DET
fsr-3222	206	9	companies	company	NOUN
fsr-3222	206	10	.	.	PUNCT
fsr-3222	207	1	not	not	PART
fsr-3222	207	2	all	all	PRON
fsr-3222	207	3	of	of	ADP
fsr-3222	207	4	these	these	DET
fsr-3222	207	5	companies	company	NOUN
fsr-3222	207	6	,	,	PUNCT
fsr-3222	207	7	however	however	ADV
fsr-3222	207	8	,	,	PUNCT
fsr-3222	207	9	provide	provide	VERB
fsr-3222	207	10	on	on	ADP
fsr-3222	207	11	-	-	PUNCT
fsr-3222	207	12	going	go	VERB
fsr-3222	207	13	investment	investment	NOUN
fsr-3222	207	14	advisory	advisory	ADJ
fsr-3222	207	15	services	service	NOUN
fsr-3222	207	16	.	.	PUNCT
fsr-3222	208	1	oppenheimer	oppenheimer	PROPN
fsr-3222	208	2	,	,	PUNCT
fsr-3222	208	3	for	for	ADP
fsr-3222	208	4	example	example	NOUN
fsr-3222	208	5	,	,	PUNCT
fsr-3222	208	6	does	do	AUX
fsr-3222	208	7	not	not	PART
fsr-3222	208	8	appear	appear	VERB
fsr-3222	208	9	to	to	PART
fsr-3222	208	10	provide	provide	VERB
fsr-3222	208	11	an	an	DET
fsr-3222	208	12	advisory	advisory	ADJ
fsr-3222	208	13	service	service	NOUN
fsr-3222	208	14	for	for	ADP
fsr-3222	208	15	ongoing	ongoing	ADJ
fsr-3222	208	16	financial	financial	ADJ
fsr-3222	208	17	advice	advice	NOUN
fsr-3222	208	18	.	.	PUNCT
fsr-3222	209	1	of	of	ADP
fsr-3222	209	2	these	these	DET
fsr-3222	209	3	10	10	NUM
fsr-3222	209	4	mutual	mutual	ADJ
fsr-3222	209	5	fund	fund	NOUN
fsr-3222	209	6	companies	company	NOUN
fsr-3222	209	7	,	,	PUNCT
fsr-3222	209	8	we	we	PRON
fsr-3222	209	9	were	be	AUX
fsr-3222	209	10	able	able	ADJ
fsr-3222	209	11	to	to	PART
fsr-3222	209	12	find	find	VERB
fsr-3222	209	13	on	on	ADP
fsr-3222	209	14	their	their	PRON
fsr-3222	209	15	internet	internet	NOUN
fsr-3222	209	16	websites	website	NOUN
fsr-3222	209	17	information	information	NOUN
fsr-3222	209	18	about	about	ADP
fsr-3222	209	19	fees	fee	NOUN
fsr-3222	209	20	for	for	ADP
fsr-3222	209	21	ongoing	ongoing	ADJ
fsr-3222	209	22	financial	financial	ADJ
fsr-3222	209	23	management	management	NOUN
fsr-3222	209	24	or	or	CCONJ
fsr-3222	209	25	advice	advice	NOUN
fsr-3222	209	26	for	for	ADP
fsr-3222	209	27	three	three	NUM
fsr-3222	209	28	:	:	PUNCT
fsr-3222	209	29	vanguard	vanguard	NOUN
fsr-3222	209	30	,	,	PUNCT
fsr-3222	209	31	fidelity	fidelity	NOUN
fsr-3222	209	32	,	,	PUNCT
fsr-3222	209	33	and	and	CCONJ
fsr-3222	209	34	t.	t.	PROPN
fsr-3222	209	35	rowe	rowe	PROPN
fsr-3222	209	36	price	price	PROPN
fsr-3222	209	37	.	.	PUNCT
fsr-3222	210	1	perhaps	perhaps	ADV
fsr-3222	210	2	as	as	ADV
fsr-3222	210	3	important	important	ADJ
fsr-3222	210	4	as	as	SCONJ
fsr-3222	210	5	fee	fee	NOUN
fsr-3222	210	6	disclosure	disclosure	NOUN
fsr-3222	210	7	is	be	AUX
fsr-3222	210	8	fee	fee	NOUN
fsr-3222	210	9	nondisclosure	nondisclosure	NOUN
fsr-3222	210	10	.	.	PUNCT
fsr-3222	211	1	while	while	SCONJ
fsr-3222	211	2	it	it	PRON
fsr-3222	211	3	appears	appear	VERB
fsr-3222	211	4	that	that	SCONJ
fsr-3222	211	5	some	some	PRON
fsr-3222	211	6	of	of	ADP
fsr-3222	211	7	the	the	DET
fsr-3222	211	8	companies	company	NOUN
fsr-3222	211	9	do	do	AUX
fsr-3222	211	10	not	not	PART
fsr-3222	211	11	provide	provide	VERB
fsr-3222	211	12	ongoing	ongoing	ADJ
fsr-3222	211	13	advisory	advisory	ADJ
fsr-3222	211	14	services	service	NOUN
fsr-3222	211	15	for	for	ADP
fsr-3222	211	16	individual	individual	ADJ
fsr-3222	211	17	clients	client	NOUN
fsr-3222	211	18	,	,	PUNCT
fsr-3222	211	19	some	some	DET
fsr-3222	211	20	companies	company	NOUN
fsr-3222	211	21	describe	describe	VERB
fsr-3222	211	22	those	those	DET
fsr-3222	211	23	services	service	NOUN
fsr-3222	211	24	but	but	CCONJ
fsr-3222	211	25	do	do	AUX
fsr-3222	211	26	not	not	PART
fsr-3222	211	27	disclose	disclose	VERB
fsr-3222	211	28	their	their	PRON
fsr-3222	211	29	fees	fee	NOUN
fsr-3222	211	30	at	at	ADP
fsr-3222	211	31	their	their	PRON
fsr-3222	211	32	website	website	NOUN
fsr-3222	211	33	.	.	PUNCT
fsr-3222	212	1	for	for	ADP
fsr-3222	212	2	example	example	NOUN
fsr-3222	212	3	,	,	PUNCT
fsr-3222	212	4	a	a	DET
fsr-3222	212	5	search	search	NOUN
fsr-3222	212	6	of	of	ADP
fsr-3222	212	7	the	the	DET
fsr-3222	212	8	website	website	NOUN
fsr-3222	212	9	for	for	ADP
fsr-3222	212	10	blackrock	blackrock	NOUN
fsr-3222	212	11	managed	manage	VERB
fsr-3222	212	12	accounts	account	NOUN
fsr-3222	212	13	did	do	AUX
fsr-3222	212	14	not	not	PART
fsr-3222	212	15	yield	yield	VERB
fsr-3222	212	16	any	any	DET
fsr-3222	212	17	information	information	NOUN
fsr-3222	212	18	concerning	concern	VERB
fsr-3222	212	19	fees	fee	NOUN
fsr-3222	212	20	(	(	PUNCT
fsr-3222	212	21	blackrock	blackrock	NOUN
fsr-3222	212	22	,	,	PUNCT
fsr-3222	212	23	2013	2013	NUM
fsr-3222	212	24	)	)	PUNCT
fsr-3222	212	25	.	.	PUNCT
fsr-3222	213	1	because	because	SCONJ
fsr-3222	213	2	of	of	ADP
fsr-3222	213	3	our	our	PRON
fsr-3222	213	4	inability	inability	NOUN
fsr-3222	213	5	to	to	PART
fsr-3222	213	6	find	find	VERB
fsr-3222	213	7	information	information	NOUN
fsr-3222	213	8	on	on	ADP
fsr-3222	213	9	the	the	DET
fsr-3222	213	10	internet	internet	NOUN
fsr-3222	213	11	about	about	ADP
fsr-3222	213	12	fees	fee	NOUN
fsr-3222	213	13	for	for	ADP
fsr-3222	213	14	most	most	ADJ
fsr-3222	213	15	of	of	ADP
fsr-3222	213	16	the	the	DET
fsr-3222	213	17	largest	large	ADJ
fsr-3222	213	18	companies	company	NOUN
fsr-3222	213	19	,	,	PUNCT
fsr-3222	213	20	we	we	PRON
fsr-3222	213	21	supplement	supplement	VERB
fsr-3222	213	22	the	the	DET
fsr-3222	213	23	information	information	NOUN
fsr-3222	213	24	for	for	ADP
fsr-3222	213	25	those	those	DET
fsr-3222	213	26	companies	company	NOUN
fsr-3222	213	27	that	that	PRON
fsr-3222	213	28	is	be	AUX
fsr-3222	213	29	available	available	ADJ
fsr-3222	213	30	with	with	ADP
fsr-3222	213	31	information	information	NOUN
fsr-3222	213	32	from	from	ADP
fsr-3222	213	33	a	a	DET
fsr-3222	213	34	convenience	convenience	NOUN
fsr-3222	213	35	sample	sample	NOUN
fsr-3222	213	36	of	of	ADP
fsr-3222	213	37	companies	company	NOUN
fsr-3222	213	38	that	that	PRON
fsr-3222	213	39	do	do	AUX
fsr-3222	213	40	provide	provide	VERB
fsr-3222	213	41	information	information	NOUN
fsr-3222	213	42	about	about	ADP
fsr-3222	213	43	their	their	PRON
fsr-3222	213	44	fees	fee	NOUN
fsr-3222	213	45	on	on	ADP
fsr-3222	213	46	the	the	DET
fsr-3222	213	47	internet	internet	NOUN
fsr-3222	213	48	.	.	PUNCT
fsr-3222	214	1	because	because	SCONJ
fsr-3222	214	2	the	the	DET
fsr-3222	214	3	sample	sample	NOUN
fsr-3222	214	4	is	be	AUX
fsr-3222	214	5	small	small	ADJ
fsr-3222	214	6	,	,	PUNCT
fsr-3222	214	7	and	and	CCONJ
fsr-3222	214	8	it	it	PRON
fsr-3222	214	9	is	be	AUX
fsr-3222	214	10	a	a	DET
fsr-3222	214	11	nonrandom	nonrandom	NOUN
fsr-3222	214	12	sample	sample	NOUN
fsr-3222	214	13	,	,	PUNCT
fsr-3222	214	14	the	the	DET
fsr-3222	214	15	sample	sample	NOUN
fsr-3222	214	16	can	can	AUX
fsr-3222	214	17	not	not	PART
fsr-3222	214	18	be	be	AUX
fsr-3222	214	19	used	use	VERB
fsr-3222	214	20	to	to	PART
fsr-3222	214	21	statistically	statistically	ADV
fsr-3222	214	22	test	test	VERB
fsr-3222	214	23	our	our	PRON
fsr-3222	214	24	hypothesis	hypothesis	NOUN
fsr-3222	214	25	.	.	PUNCT
fsr-3222	215	1	the	the	DET
fsr-3222	215	2	companies	company	NOUN
fsr-3222	215	3	in	in	ADP
fsr-3222	215	4	the	the	DET
fsr-3222	215	5	sample	sample	NOUN
fsr-3222	215	6	are	be	AUX
fsr-3222	215	7	included	include	VERB
fsr-3222	215	8	based	base	VERB
fsr-3222	215	9	on	on	ADP
fsr-3222	215	10	their	their	PRON
fsr-3222	215	11	providing	provide	VERB
fsr-3222	215	12	a	a	DET
fsr-3222	215	13	fee	fee	NOUN
fsr-3222	215	14	disclosure	disclosure	NOUN
fsr-3222	215	15	on	on	ADP
fsr-3222	215	16	the	the	DET
fsr-3222	215	17	internet	internet	NOUN
fsr-3222	215	18	.	.	PUNCT
fsr-3222	216	1	the	the	DET
fsr-3222	216	2	companies	company	NOUN
fsr-3222	216	3	range	range	VERB
fsr-3222	216	4	in	in	ADP
fsr-3222	216	5	size	size	NOUN
fsr-3222	216	6	from	from	ADP
fsr-3222	216	7	223l.a	223l.a	NUM
fsr-3222	216	8	.	.	PUNCT
fsr-3222	217	1	muller	muller	PROPN
fsr-3222	217	2	,	,	PUNCT
fsr-3222	217	3	j.a	j.a	PROPN
fsr-3222	217	4	.	.	PROPN
fsr-3222	217	5	turner	turner	PROPN
fsr-3222	217	6	/	/	SYM
fsr-3222	217	7	financial	financial	ADJ
fsr-3222	217	8	services	service	NOUN
fsr-3222	217	9	review	review	VERB
fsr-3222	217	10	25	25	NUM
fsr-3222	217	11	(	(	PUNCT
fsr-3222	217	12	2016	2016	NUM
fsr-3222	217	13	)	)	PUNCT
fsr-3222	217	14	215–234	215–234	NUM
fsr-3222	217	15	very	very	ADV
fsr-3222	217	16	large	large	ADJ
fsr-3222	217	17	ones	one	NOUN
fsr-3222	217	18	to	to	ADP
fsr-3222	217	19	very	very	ADV
fsr-3222	217	20	small	small	ADJ
fsr-3222	217	21	ones	one	NOUN
fsr-3222	217	22	.	.	PUNCT
fsr-3222	218	1	they	they	PRON
fsr-3222	218	2	include	include	VERB
fsr-3222	218	3	companies	company	NOUN
fsr-3222	218	4	that	that	PRON
fsr-3222	218	5	also	also	ADV
fsr-3222	218	6	sell	sell	VERB
fsr-3222	218	7	investment	investment	NOUN
fsr-3222	218	8	products	product	NOUN
fsr-3222	218	9	and	and	CCONJ
fsr-3222	218	10	companies	company	NOUN
fsr-3222	218	11	that	that	PRON
fsr-3222	218	12	only	only	ADV
fsr-3222	218	13	provide	provide	VERB
fsr-3222	218	14	advisory	advisory	ADJ
fsr-3222	218	15	services	service	NOUN
fsr-3222	218	16	.	.	PUNCT
fsr-3222	219	1	table	table	NOUN
fsr-3222	219	2	2	2	NUM
fsr-3222	219	3	provides	provide	VERB
fsr-3222	219	4	some	some	DET
fsr-3222	219	5	descriptive	descriptive	ADJ
fsr-3222	219	6	information	information	NOUN
fsr-3222	219	7	about	about	ADP
fsr-3222	219	8	fee	fee	NOUN
fsr-3222	219	9	disclosure	disclosure	NOUN
fsr-3222	219	10	.	.	PUNCT
fsr-3222	220	1	some	some	DET
fsr-3222	220	2	companies	company	NOUN
fsr-3222	220	3	provide	provide	VERB
fsr-3222	220	4	information	information	NOUN
fsr-3222	220	5	about	about	ADP
fsr-3222	220	6	fees	fee	NOUN
fsr-3222	220	7	in	in	ADP
fsr-3222	220	8	the	the	DET
fsr-3222	220	9	apparent	apparent	ADJ
fsr-3222	220	10	fee	fee	NOUN
fsr-3222	220	11	disclosure	disclosure	NOUN
fsr-3222	220	12	,	,	PUNCT
fsr-3222	220	13	but	but	CCONJ
fsr-3222	220	14	do	do	AUX
fsr-3222	220	15	not	not	PART
fsr-3222	220	16	actually	actually	ADV
fsr-3222	220	17	disclose	disclose	VERB
fsr-3222	220	18	the	the	DET
fsr-3222	220	19	level	level	NOUN
fsr-3222	220	20	of	of	ADP
fsr-3222	220	21	fees	fee	NOUN
fsr-3222	220	22	.	.	PUNCT
fsr-3222	221	1	we	we	PRON
fsr-3222	221	2	have	have	AUX
fsr-3222	221	3	not	not	PART
fsr-3222	221	4	included	include	VERB
fsr-3222	221	5	those	those	DET
fsr-3222	221	6	companies	company	NOUN
fsr-3222	221	7	in	in	ADP
fsr-3222	221	8	this	this	DET
fsr-3222	221	9	analysis	analysis	NOUN
fsr-3222	221	10	.	.	PUNCT
fsr-3222	222	1	many	many	ADJ
fsr-3222	222	2	companies	company	NOUN
fsr-3222	222	3	do	do	AUX
fsr-3222	222	4	not	not	PART
fsr-3222	222	5	provide	provide	VERB
fsr-3222	222	6	information	information	NOUN
fsr-3222	222	7	about	about	ADP
fsr-3222	222	8	their	their	PRON
fsr-3222	222	9	fees	fee	NOUN
fsr-3222	222	10	at	at	ADP
fsr-3222	222	11	their	their	PRON
fsr-3222	222	12	websites	website	NOUN
fsr-3222	222	13	,	,	PUNCT
fsr-3222	222	14	and	and	CCONJ
fsr-3222	222	15	those	those	PRON
fsr-3222	222	16	are	be	AUX
fsr-3222	222	17	not	not	PART
fsr-3222	222	18	been	be	AUX
fsr-3222	222	19	included	include	VERB
fsr-3222	222	20	.	.	PUNCT
fsr-3222	223	1	the	the	DET
fsr-3222	223	2	companies	company	NOUN
fsr-3222	223	3	in	in	ADP
fsr-3222	223	4	table	table	NOUN
fsr-3222	223	5	2	2	NUM
fsr-3222	223	6	are	be	AUX
fsr-3222	223	7	thus	thus	ADV
fsr-3222	223	8	a	a	DET
fsr-3222	223	9	convenience	convenience	NOUN
fsr-3222	223	10	sample	sample	NOUN
fsr-3222	223	11	of	of	ADP
fsr-3222	223	12	companies	company	NOUN
fsr-3222	223	13	that	that	PRON
fsr-3222	223	14	provide	provide	VERB
fsr-3222	223	15	actual	actual	ADJ
fsr-3222	223	16	fee	fee	NOUN
fsr-3222	223	17	disclosures	disclosure	NOUN
fsr-3222	223	18	on	on	ADP
fsr-3222	223	19	their	their	PRON
fsr-3222	223	20	websites	website	NOUN
fsr-3222	223	21	.	.	PUNCT
fsr-3222	224	1	a	a	DET
fsr-3222	224	2	general	general	ADJ
fsr-3222	224	3	pattern	pattern	NOUN
fsr-3222	224	4	can	can	AUX
fsr-3222	224	5	be	be	AUX
fsr-3222	224	6	seen	see	VERB
fsr-3222	224	7	among	among	ADP
fsr-3222	224	8	the	the	DET
fsr-3222	224	9	small	small	ADJ
fsr-3222	224	10	number	number	NOUN
fsr-3222	224	11	of	of	ADP
fsr-3222	224	12	advisor	advisor	NOUN
fsr-3222	224	13	firms	firm	NOUN
fsr-3222	224	14	in	in	ADP
fsr-3222	224	15	table	table	NOUN
fsr-3222	224	16	2	2	NUM
fsr-3222	224	17	.	.	PUNCT
fsr-3222	224	18	firms	firm	NOUN
fsr-3222	224	19	charging	charge	VERB
fsr-3222	224	20	higher	high	ADJ
fsr-3222	224	21	fees	fee	NOUN
fsr-3222	224	22	are	be	AUX
fsr-3222	224	23	more	more	ADV
fsr-3222	224	24	likely	likely	ADJ
fsr-3222	224	25	to	to	PART
fsr-3222	224	26	provide	provide	VERB
fsr-3222	224	27	a	a	DET
fsr-3222	224	28	simplified	simplified	ADJ
fsr-3222	224	29	apparent	apparent	ADJ
fsr-3222	224	30	disclosure	disclosure	NOUN
fsr-3222	224	31	along	along	ADP
fsr-3222	224	32	with	with	ADP
fsr-3222	224	33	an	an	DET
fsr-3222	224	34	actual	actual	ADJ
fsr-3222	224	35	disclosure	disclosure	NOUN
fsr-3222	224	36	.	.	PUNCT
fsr-3222	225	1	for	for	ADP
fsr-3222	225	2	those	those	DET
fsr-3222	225	3	companies	company	NOUN
fsr-3222	225	4	,	,	PUNCT
fsr-3222	225	5	the	the	DET
fsr-3222	225	6	actual	actual	ADJ
fsr-3222	225	7	disclosure	disclosure	NOUN
fsr-3222	225	8	tends	tends	AUX
fsr-3222	225	9	have	have	VERB
fsr-3222	225	10	longer	long	ADJ
fsr-3222	225	11	sentences	sentence	NOUN
fsr-3222	225	12	and	and	CCONJ
fsr-3222	225	13	more	more	ADJ
fsr-3222	225	14	total	total	ADJ
fsr-3222	225	15	words	word	NOUN
fsr-3222	225	16	,	,	PUNCT
fsr-3222	225	17	both	both	DET
fsr-3222	225	18	indicators	indicator	NOUN
fsr-3222	225	19	of	of	ADP
fsr-3222	225	20	complexity	complexity	NOUN
fsr-3222	225	21	.	.	PUNCT
fsr-3222	226	1	table	table	NOUN
fsr-3222	226	2	3	3	NUM
fsr-3222	226	3	rates	rate	NOUN
fsr-3222	226	4	both	both	CCONJ
fsr-3222	226	5	the	the	DET
fsr-3222	226	6	apparent	apparent	ADJ
fsr-3222	226	7	fee	fee	NOUN
fsr-3222	226	8	disclosure	disclosure	NOUN
fsr-3222	226	9	and	and	CCONJ
fsr-3222	226	10	the	the	DET
fsr-3222	226	11	actual	actual	ADJ
fsr-3222	226	12	fee	fee	NOUN
fsr-3222	226	13	disclosure	disclosure	NOUN
fsr-3222	226	14	in	in	ADP
fsr-3222	226	15	terms	term	NOUN
fsr-3222	226	16	of	of	ADP
fsr-3222	226	17	grade	grade	NOUN
fsr-3222	226	18	level	level	NOUN
fsr-3222	226	19	.	.	PUNCT
fsr-3222	227	1	the	the	DET
fsr-3222	227	2	apparent	apparent	ADJ
fsr-3222	227	3	fee	fee	NOUN
fsr-3222	227	4	disclosure	disclosure	NOUN
fsr-3222	227	5	is	be	AUX
fsr-3222	227	6	at	at	ADP
fsr-3222	227	7	a	a	DET
fsr-3222	227	8	considerably	considerably	ADV
fsr-3222	227	9	lower	low	ADJ
fsr-3222	227	10	grade	grade	NOUN
fsr-3222	227	11	level	level	NOUN
fsr-3222	227	12	than	than	ADP
fsr-3222	227	13	the	the	DET
fsr-3222	227	14	actual	actual	ADJ
fsr-3222	227	15	fee	fee	NOUN
fsr-3222	227	16	disclosure	disclosure	NOUN
fsr-3222	227	17	when	when	SCONJ
fsr-3222	227	18	both	both	PRON
fsr-3222	227	19	are	be	AUX
fsr-3222	227	20	provided	provide	VERB
fsr-3222	227	21	.	.	PUNCT
fsr-3222	228	1	the	the	DET
fsr-3222	228	2	main	main	ADJ
fsr-3222	228	3	finding	finding	NOUN
fsr-3222	228	4	from	from	ADP
fsr-3222	228	5	the	the	DET
fsr-3222	228	6	sample	sample	NOUN
fsr-3222	228	7	in	in	ADP
fsr-3222	228	8	table	table	NOUN
fsr-3222	228	9	3	3	NUM
fsr-3222	228	10	is	be	AUX
fsr-3222	228	11	that	that	SCONJ
fsr-3222	228	12	the	the	DET
fsr-3222	228	13	grade	grade	NOUN
fsr-3222	228	14	level	level	NOUN
fsr-3222	228	15	of	of	ADP
fsr-3222	228	16	the	the	DET
fsr-3222	228	17	actual	actual	ADJ
fsr-3222	228	18	disclosure	disclosure	NOUN
fsr-3222	228	19	is	be	AUX
fsr-3222	228	20	considerably	considerably	ADV
fsr-3222	228	21	higher	high	ADJ
fsr-3222	228	22	in	in	ADP
fsr-3222	228	23	high	high	ADJ
fsr-3222	228	24	fee	fee	NOUN
fsr-3222	228	25	companies	company	NOUN
fsr-3222	228	26	than	than	ADP
fsr-3222	228	27	in	in	ADP
fsr-3222	228	28	low	low	ADJ
fsr-3222	228	29	fee	fee	NOUN
fsr-3222	228	30	companies	company	NOUN
fsr-3222	228	31	.	.	PUNCT
fsr-3222	229	1	thus	thus	ADV
fsr-3222	229	2	,	,	PUNCT
fsr-3222	229	3	while	while	SCONJ
fsr-3222	229	4	complexity	complexity	NOUN
fsr-3222	229	5	is	be	AUX
fsr-3222	229	6	presumably	presumably	ADV
fsr-3222	229	7	a	a	DET
fsr-3222	229	8	strategy	strategy	NOUN
fsr-3222	229	9	,	,	PUNCT
fsr-3222	229	10	high	high	ADJ
fsr-3222	229	11	fee	fee	NOUN
fsr-3222	229	12	providers	provider	NOUN
fsr-3222	229	13	can	can	AUX
fsr-3222	229	14	be	be	AUX
fsr-3222	229	15	identified	identify	VERB
fsr-3222	229	16	solely	solely	ADV
fsr-3222	229	17	based	base	VERB
fsr-3222	229	18	on	on	ADP
fsr-3222	229	19	the	the	DET
fsr-3222	229	20	complexity	complexity	NOUN
fsr-3222	229	21	of	of	ADP
fsr-3222	229	22	the	the	DET
fsr-3222	229	23	language	language	NOUN
fsr-3222	229	24	they	they	PRON
fsr-3222	229	25	use	use	VERB
fsr-3222	229	26	.	.	PUNCT
fsr-3222	230	1	an	an	DET
fsr-3222	230	2	alternative	alternative	ADJ
fsr-3222	230	3	hypothesis	hypothesis	NOUN
fsr-3222	230	4	is	be	AUX
fsr-3222	230	5	that	that	SCONJ
fsr-3222	230	6	high	high	ADJ
fsr-3222	230	7	-	-	PUNCT
fsr-3222	230	8	fee	fee	NOUN
fsr-3222	230	9	providers	provider	NOUN
fsr-3222	230	10	have	have	VERB
fsr-3222	230	11	more	more	ADJ
fsr-3222	230	12	complex	complex	ADJ
fsr-3222	230	13	disclosures	disclosure	NOUN
fsr-3222	230	14	because	because	SCONJ
fsr-3222	230	15	they	they	PRON
fsr-3222	230	16	provide	provide	VERB
fsr-3222	230	17	a	a	DET
fsr-3222	230	18	more	more	ADV
fsr-3222	230	19	complex	complex	ADJ
fsr-3222	230	20	range	range	NOUN
fsr-3222	230	21	of	of	ADP
fsr-3222	230	22	services	service	NOUN
fsr-3222	230	23	.	.	PUNCT
fsr-3222	231	1	while	while	SCONJ
fsr-3222	231	2	that	that	PRON
fsr-3222	231	3	may	may	AUX
fsr-3222	231	4	be	be	AUX
fsr-3222	231	5	true	true	ADJ
fsr-3222	231	6	for	for	ADP
fsr-3222	231	7	some	some	DET
fsr-3222	231	8	table	table	NOUN
fsr-3222	231	9	2	2	NUM
fsr-3222	231	10	description	description	NOUN
fsr-3222	231	11	of	of	ADP
fsr-3222	231	12	fee	fee	NOUN
fsr-3222	231	13	disclosures	disclosure	NOUN
fsr-3222	231	14	adviser	adviser	NOUN
fsr-3222	231	15	company	company	NOUN
fsr-3222	231	16	apparent	apparent	ADJ
fsr-3222	231	17	disclosure	disclosure	NOUN
fsr-3222	231	18	number	number	NOUN
fsr-3222	231	19	of	of	ADP
fsr-3222	231	20	words	word	NOUN
fsr-3222	231	21	(	(	PUNCT
fsr-3222	231	22	mean	mean	ADV
fsr-3222	231	23	per	per	ADP
fsr-3222	231	24	sentence	sentence	NOUN
fsr-3222	231	25	)	)	PUNCT
fsr-3222	231	26	actual	actual	ADJ
fsr-3222	231	27	disclosure	disclosure	NOUN
fsr-3222	231	28	number	number	NOUN
fsr-3222	231	29	of	of	ADP
fsr-3222	231	30	length	length	NOUN
fsr-3222	231	31	(	(	PUNCT
fsr-3222	231	32	mean	mean	VERB
fsr-3222	231	33	per	per	ADP
fsr-3222	231	34	sentence	sentence	NOUN
fsr-3222	231	35	)	)	PUNCT
fsr-3222	231	36	fees	fee	NOUN
fsr-3222	231	37	on	on	ADP
fsr-3222	231	38	first	first	ADJ
fsr-3222	231	39	dollar	dollar	NOUN
fsr-3222	231	40	(	(	PUNCT
fsr-3222	231	41	minimum	minimum	NOUN
fsr-3222	231	42	investment	investment	NOUN
fsr-3222	231	43	)	)	PUNCT
fsr-3222	231	44	mean	mean	NOUN
fsr-3222	232	1	total	total	ADJ
fsr-3222	232	2	mean	mean	NOUN
fsr-3222	232	3	total	total	NOUN
fsr-3222	232	4	1	1	NUM
fsr-3222	232	5	.	.	X
fsr-3222	233	1	edelman	edelman	ADJ
fsr-3222	233	2	financial	financial	PROPN
fsr-3222	233	3	services	service	NOUN
fsr-3222	233	4	(	(	PUNCT
fsr-3222	233	5	2013	2013	NUM
fsr-3222	233	6	)	)	PUNCT
fsr-3222	233	7	5	5	NUM
fsr-3222	233	8	5	5	NUM
fsr-3222	233	9	58	58	NUM
fsr-3222	233	10	58	58	NUM
fsr-3222	233	11	2.0	2.0	NUM
fsr-3222	233	12	%	%	NOUN
fsr-3222	233	13	2	2	NUM
fsr-3222	233	14	.	.	PUNCT
fsr-3222	233	15	edward	edward	PROPN
fsr-3222	233	16	jones	jones	PROPN
fsr-3222	233	17	(	(	PUNCT
fsr-3222	233	18	2013	2013	NUM
fsr-3222	233	19	)	)	PUNCT
fsr-3222	233	20	–	–	PUNCT
fsr-3222	233	21	–	–	PUNCT
fsr-3222	233	22	28	28	NUM
fsr-3222	233	23	309	309	NUM
fsr-3222	233	24	1.8	1.8	NUM
fsr-3222	233	25	%	%	NOUN
fsr-3222	233	26	(	(	PUNCT
fsr-3222	233	27	$	$	SYM
fsr-3222	233	28	500,000	500,000	NUM
fsr-3222	233	29	)	)	PUNCT
fsr-3222	233	30	3	3	NUM
fsr-3222	233	31	.	.	X
fsr-3222	233	32	fidelity	fidelity	PROPN
fsr-3222	233	33	(	(	PUNCT
fsr-3222	233	34	2013	2013	NUM
fsr-3222	233	35	)	)	PUNCT
fsr-3222	233	36	12	12	NUM
fsr-3222	233	37	12	12	NUM
fsr-3222	233	38	13	13	NUM
fsr-3222	233	39	65	65	NUM
fsr-3222	233	40	1.5	1.5	NUM
fsr-3222	233	41	%	%	NOUN
fsr-3222	233	42	(	(	PUNCT
fsr-3222	233	43	$	$	SYM
fsr-3222	233	44	200,000	200,000	NUM
fsr-3222	233	45	)	)	PUNCT
fsr-3222	233	46	4	4	NUM
fsr-3222	233	47	.	.	X
fsr-3222	233	48	west	west	PROPN
fsr-3222	233	49	financial	financial	ADJ
fsr-3222	233	50	services	service	NOUN
fsr-3222	233	51	11	11	NUM
fsr-3222	233	52	11	11	NUM
fsr-3222	233	53	25	25	NUM
fsr-3222	233	54	76	76	NUM
fsr-3222	233	55	1.25	1.25	NUM
fsr-3222	233	56	%	%	NOUN
fsr-3222	233	57	plus	plus	CCONJ
fsr-3222	233	58	$	$	SYM
fsr-3222	233	59	250	250	NUM
fsr-3222	233	60	an	an	DET
fsr-3222	233	61	hour	hour	NOUN
fsr-3222	233	62	for	for	ADP
fsr-3222	233	63	financial	financial	ADJ
fsr-3222	233	64	planning	planning	NOUN
fsr-3222	233	65	consulting	consult	VERB
fsr-3222	233	66	5	5	NUM
fsr-3222	233	67	.	.	PUNCT
fsr-3222	233	68	summit	summit	NOUN
fsr-3222	233	69	financial	financial	ADJ
fsr-3222	233	70	services	service	NOUN
fsr-3222	233	71	(	(	PUNCT
fsr-3222	233	72	2013	2013	NUM
fsr-3222	233	73	)	)	PUNCT
fsr-3222	233	74	–	–	PUNCT
fsr-3222	233	75	–	–	PUNCT
fsr-3222	233	76	16	16	NUM
fsr-3222	233	77	16	16	NUM
fsr-3222	233	78	1.0	1.0	NUM
fsr-3222	233	79	%	%	NOUN
fsr-3222	233	80	(	(	PUNCT
fsr-3222	233	81	$	$	SYM
fsr-3222	233	82	500,000	500,000	NUM
fsr-3222	233	83	)	)	PUNCT
fsr-3222	233	84	6	6	NUM
fsr-3222	233	85	.	.	PUNCT
fsr-3222	233	86	fbb	fbb	NOUN
fsr-3222	233	87	capital	capital	PROPN
fsr-3222	233	88	partners	partner	NOUN
fsr-3222	233	89	–	–	PUNCT
fsr-3222	233	90	–	–	PUNCT
fsr-3222	233	91	17	17	NUM
fsr-3222	233	92	17	17	NUM
fsr-3222	233	93	1.0	1.0	NUM
fsr-3222	233	94	%	%	NOUN
fsr-3222	233	95	(	(	PUNCT
fsr-3222	233	96	$	$	SYM
fsr-3222	233	97	500,000	500,000	NUM
fsr-3222	233	98	)	)	PUNCT
fsr-3222	233	99	7	7	NUM
fsr-3222	233	100	.	.	X
fsr-3222	233	101	vanguard	vanguard	NOUN
fsr-3222	233	102	(	(	PUNCT
fsr-3222	233	103	2013	2013	NUM
fsr-3222	233	104	)	)	PUNCT
fsr-3222	233	105	–	–	PUNCT
fsr-3222	233	106	–	–	PUNCT
fsr-3222	233	107	13	13	NUM
fsr-3222	233	108	80	80	NUM
fsr-3222	233	109	0.9	0.9	NUM
fsr-3222	233	110	%	%	NOUN
fsr-3222	233	111	(	(	PUNCT
fsr-3222	233	112	$	$	SYM
fsr-3222	233	113	500,000	500,000	NUM
fsr-3222	233	114	)	)	PUNCT
fsr-3222	233	115	8	8	NUM
fsr-3222	233	116	.	.	X
fsr-3222	233	117	zero	zero	NUM
fsr-3222	233	118	commission	commission	PROPN
fsr-3222	233	119	portfolio	portfolio	NOUN
fsr-3222	233	120	(	(	PUNCT
fsr-3222	233	121	2013	2013	NUM
fsr-3222	233	122	)	)	PUNCT
fsr-3222	233	123	–	–	PUNCT
fsr-3222	233	124	–	–	PUNCT
fsr-3222	233	125	17	17	NUM
fsr-3222	233	126	17	17	NUM
fsr-3222	233	127	$	$	SYM
fsr-3222	233	128	149	149	NUM
fsr-3222	233	129	a	a	DET
fsr-3222	233	130	month	month	NOUN
fsr-3222	233	131	9	9	NUM
fsr-3222	233	132	.	.	PUNCT
fsr-3222	233	133	bloombergblack	bloombergblack	NOUN
fsr-3222	233	134	(	(	PUNCT
fsr-3222	233	135	2013	2013	NUM
fsr-3222	233	136	)	)	PUNCT
fsr-3222	233	137	–	–	PUNCT
fsr-3222	233	138	–	–	PUNCT
fsr-3222	233	139	11	11	NUM
fsr-3222	233	140	11	11	NUM
fsr-3222	233	141	$	$	SYM
fsr-3222	233	142	100	100	NUM
fsr-3222	233	143	a	a	DET
fsr-3222	233	144	month	month	NOUN
fsr-3222	233	145	10	10	NUM
fsr-3222	233	146	.	.	PUNCT
fsr-3222	234	1	nestwise20	nestwise20	PROPN
fsr-3222	234	2	(	(	PUNCT
fsr-3222	234	3	2013	2013	NUM
fsr-3222	234	4	)	)	PUNCT
fsr-3222	234	5	–	–	PUNCT
fsr-3222	234	6	–	–	PUNCT
fsr-3222	234	7	8	8	NUM
fsr-3222	234	8	8	8	NUM
fsr-3222	234	9	$	$	SYM
fsr-3222	234	10	250	250	NUM
fsr-3222	234	11	initial	initial	ADJ
fsr-3222	234	12	fee	fee	NOUN
fsr-3222	234	13	and	and	CCONJ
fsr-3222	234	14	$	$	SYM
fsr-3222	234	15	575	575	NUM
fsr-3222	234	16	a	a	DET
fsr-3222	234	17	year	year	NOUN
fsr-3222	234	18	source	source	NOUN
fsr-3222	234	19	:	:	PUNCT
fsr-3222	234	20	authors	author	NOUN
fsr-3222	234	21	’	'	PUNCT
fsr-3222	234	22	compilation	compilation	NOUN
fsr-3222	234	23	.	.	PUNCT
fsr-3222	235	1	note	note	NOUN
fsr-3222	235	2	:	:	PUNCT
fsr-3222	235	3	the	the	DET
fsr-3222	235	4	average	average	ADJ
fsr-3222	235	5	sentence	sentence	NOUN
fsr-3222	235	6	length	length	NOUN
fsr-3222	235	7	is	be	AUX
fsr-3222	235	8	in	in	ADP
fsr-3222	235	9	some	some	DET
fsr-3222	235	10	cases	case	NOUN
fsr-3222	235	11	an	an	DET
fsr-3222	235	12	approximation	approximation	NOUN
fsr-3222	235	13	because	because	SCONJ
fsr-3222	235	14	of	of	ADP
fsr-3222	235	15	the	the	DET
fsr-3222	235	16	use	use	NOUN
fsr-3222	235	17	of	of	ADP
fsr-3222	235	18	headings	heading	NOUN
fsr-3222	235	19	and	and	CCONJ
fsr-3222	235	20	tables	table	NOUN
fsr-3222	235	21	.	.	PUNCT
fsr-3222	236	1	the	the	DET
fsr-3222	236	2	total	total	ADJ
fsr-3222	236	3	length	length	NOUN
fsr-3222	236	4	of	of	ADP
fsr-3222	236	5	disclosures	disclosure	NOUN
fsr-3222	236	6	does	do	AUX
fsr-3222	236	7	not	not	PART
fsr-3222	236	8	include	include	VERB
fsr-3222	236	9	a	a	DET
fsr-3222	236	10	worked	work	VERB
fsr-3222	236	11	example	example	NOUN
fsr-3222	236	12	,	,	PUNCT
fsr-3222	236	13	if	if	SCONJ
fsr-3222	236	14	one	one	PRON
fsr-3222	236	15	is	be	AUX
fsr-3222	236	16	provided	provide	VERB
fsr-3222	236	17	.	.	PUNCT
fsr-3222	237	1	providing	provide	VERB
fsr-3222	237	2	an	an	DET
fsr-3222	237	3	example	example	NOUN
fsr-3222	237	4	adds	add	VERB
fsr-3222	237	5	to	to	ADP
fsr-3222	237	6	the	the	DET
fsr-3222	237	7	length	length	NOUN
fsr-3222	237	8	,	,	PUNCT
fsr-3222	237	9	but	but	CCONJ
fsr-3222	237	10	it	it	PRON
fsr-3222	237	11	would	would	AUX
fsr-3222	237	12	not	not	PART
fsr-3222	237	13	be	be	AUX
fsr-3222	237	14	an	an	DET
fsr-3222	237	15	aspect	aspect	NOUN
fsr-3222	237	16	of	of	ADP
fsr-3222	237	17	complexity	complexity	NOUN
fsr-3222	237	18	in	in	ADP
fsr-3222	237	19	presentation	presentation	NOUN
fsr-3222	237	20	.	.	PUNCT
fsr-3222	238	1	the	the	DET
fsr-3222	238	2	level	level	NOUN
fsr-3222	238	3	of	of	ADP
fsr-3222	238	4	fees	fee	NOUN
fsr-3222	238	5	is	be	AUX
fsr-3222	238	6	the	the	DET
fsr-3222	238	7	fee	fee	NOUN
fsr-3222	238	8	charged	charge	VERB
fsr-3222	238	9	on	on	ADP
fsr-3222	238	10	the	the	DET
fsr-3222	238	11	first	first	ADJ
fsr-3222	238	12	dollar	dollar	NOUN
fsr-3222	238	13	of	of	ADP
fsr-3222	238	14	investments	investment	NOUN
fsr-3222	238	15	.	.	PUNCT
fsr-3222	239	1	when	when	SCONJ
fsr-3222	239	2	a	a	DET
fsr-3222	239	3	range	range	NOUN
fsr-3222	239	4	of	of	ADP
fsr-3222	239	5	fees	fee	NOUN
fsr-3222	239	6	is	be	AUX
fsr-3222	239	7	specified	specify	VERB
fsr-3222	239	8	without	without	ADP
fsr-3222	239	9	other	other	ADJ
fsr-3222	239	10	information	information	NOUN
fsr-3222	239	11	,	,	PUNCT
fsr-3222	239	12	the	the	DET
fsr-3222	239	13	highest	high	ADJ
fsr-3222	239	14	fee	fee	NOUN
fsr-3222	239	15	is	be	AUX
fsr-3222	239	16	reported	report	VERB
fsr-3222	239	17	.	.	PUNCT
fsr-3222	240	1	224	224	NUM
fsr-3222	240	2	l.a	l.a	PROPN
fsr-3222	240	3	.	.	PROPN
fsr-3222	240	4	muller	muller	PROPN
fsr-3222	240	5	,	,	PUNCT
fsr-3222	240	6	j.a	j.a	PROPN
fsr-3222	240	7	.	.	PROPN
fsr-3222	240	8	turner	turner	PROPN
fsr-3222	240	9	/	/	SYM
fsr-3222	240	10	financial	financial	ADJ
fsr-3222	240	11	services	service	NOUN
fsr-3222	240	12	review	review	VERB
fsr-3222	240	13	25	25	NUM
fsr-3222	240	14	(	(	PUNCT
fsr-3222	240	15	2016	2016	NUM
fsr-3222	240	16	)	)	PUNCT
fsr-3222	240	17	215–234	215–234	NUM
fsr-3222	240	18	types	type	NOUN
fsr-3222	240	19	of	of	ADP
fsr-3222	240	20	financial	financial	ADJ
fsr-3222	240	21	advisers	adviser	NOUN
fsr-3222	240	22	,	,	PUNCT
fsr-3222	240	23	that	that	DET
fsr-3222	240	24	hypothesis	hypothesis	NOUN
fsr-3222	240	25	is	be	AUX
fsr-3222	240	26	rejected	reject	VERB
fsr-3222	240	27	in	in	ADP
fsr-3222	240	28	our	our	PRON
fsr-3222	240	29	sample	sample	NOUN
fsr-3222	240	30	by	by	ADP
fsr-3222	240	31	examining	examine	VERB
fsr-3222	240	32	the	the	DET
fsr-3222	240	33	services	service	NOUN
fsr-3222	240	34	provided	provide	VERB
fsr-3222	240	35	.	.	PUNCT
fsr-3222	241	1	in	in	ADP
fsr-3222	241	2	all	all	DET
fsr-3222	241	3	cases	case	NOUN
fsr-3222	241	4	,	,	PUNCT
fsr-3222	241	5	the	the	DET
fsr-3222	241	6	only	only	ADJ
fsr-3222	241	7	service	service	NOUN
fsr-3222	241	8	provided	provide	VERB
fsr-3222	241	9	is	be	AUX
fsr-3222	241	10	advice	advice	NOUN
fsr-3222	241	11	for	for	ADP
fsr-3222	241	12	managing	manage	VERB
fsr-3222	241	13	investments	investment	NOUN
fsr-3222	241	14	.	.	PUNCT
fsr-3222	242	1	a	a	DET
fsr-3222	242	2	further	further	ADJ
fsr-3222	242	3	hypothesis	hypothesis	NOUN
fsr-3222	242	4	is	be	AUX
fsr-3222	242	5	that	that	SCONJ
fsr-3222	242	6	any	any	DET
fsr-3222	242	7	person	person	NOUN
fsr-3222	242	8	doing	do	VERB
fsr-3222	242	9	comparison	comparison	NOUN
fsr-3222	242	10	shopping	shop	VERB
fsr-3222	242	11	for	for	ADP
fsr-3222	242	12	a	a	DET
fsr-3222	242	13	financial	financial	ADJ
fsr-3222	242	14	management	management	NOUN
fsr-3222	242	15	firm	firm	NOUN
fsr-3222	242	16	would	would	AUX
fsr-3222	242	17	tend	tend	VERB
fsr-3222	242	18	to	to	PART
fsr-3222	242	19	choose	choose	VERB
fsr-3222	242	20	one	one	NUM
fsr-3222	242	21	with	with	ADP
fsr-3222	242	22	low	low	ADJ
fsr-3222	242	23	fees	fee	NOUN
fsr-3222	242	24	and	and	CCONJ
fsr-3222	242	25	an	an	DET
fsr-3222	242	26	understandable	understandable	ADJ
fsr-3222	242	27	disclosure	disclosure	NOUN
fsr-3222	242	28	.	.	PUNCT
fsr-3222	243	1	similarly	similarly	ADV
fsr-3222	243	2	,	,	PUNCT
fsr-3222	243	3	anyone	anyone	PRON
fsr-3222	243	4	initially	initially	ADV
fsr-3222	243	5	choosing	choose	VERB
fsr-3222	243	6	an	an	DET
fsr-3222	243	7	adviser	adviser	NOUN
fsr-3222	243	8	with	with	ADP
fsr-3222	243	9	high	high	ADJ
fsr-3222	243	10	fees	fee	NOUN
fsr-3222	243	11	,	,	PUNCT
fsr-3222	243	12	would	would	AUX
fsr-3222	243	13	tend	tend	VERB
fsr-3222	243	14	to	to	PART
fsr-3222	243	15	change	change	VERB
fsr-3222	243	16	to	to	ADP
fsr-3222	243	17	a	a	DET
fsr-3222	243	18	lower	low	ADJ
fsr-3222	243	19	fee	fee	NOUN
fsr-3222	243	20	adviser	adviser	NOUN
fsr-3222	243	21	over	over	ADP
fsr-3222	243	22	time	time	NOUN
fsr-3222	243	23	.	.	PUNCT
fsr-3222	244	1	those	those	DET
fsr-3222	244	2	hypotheses	hypothesis	NOUN
fsr-3222	244	3	assume	assume	VERB
fsr-3222	244	4	rational	rational	ADJ
fsr-3222	244	5	,	,	PUNCT
fsr-3222	244	6	well	well	ADV
fsr-3222	244	7	-	-	PUNCT
fsr-3222	244	8	informed	inform	VERB
fsr-3222	244	9	behavior	behavior	NOUN
fsr-3222	244	10	,	,	PUNCT
fsr-3222	244	11	and	and	CCONJ
fsr-3222	244	12	would	would	AUX
fsr-3222	244	13	argue	argue	VERB
fsr-3222	244	14	against	against	ADP
fsr-3222	244	15	the	the	DET
fsr-3222	244	16	existence	existence	NOUN
fsr-3222	244	17	of	of	ADP
fsr-3222	244	18	high	high	ADJ
fsr-3222	244	19	-	-	PUNCT
fsr-3222	244	20	fee	fee	NOUN
fsr-3222	244	21	and	and	CCONJ
fsr-3222	244	22	low	low	ADJ
fsr-3222	244	23	-	-	PUNCT
fsr-3222	244	24	fee	fee	NOUN
fsr-3222	244	25	providers	provider	NOUN
fsr-3222	244	26	providing	provide	VERB
fsr-3222	244	27	similar	similar	ADJ
fsr-3222	244	28	services	service	NOUN
fsr-3222	244	29	,	,	PUNCT
fsr-3222	244	30	which	which	PRON
fsr-3222	244	31	is	be	AUX
fsr-3222	244	32	actually	actually	ADV
fsr-3222	244	33	what	what	PRON
fsr-3222	244	34	is	be	AUX
fsr-3222	244	35	observed	observe	VERB
fsr-3222	244	36	in	in	ADP
fsr-3222	244	37	the	the	DET
fsr-3222	244	38	market	market	NOUN
fsr-3222	244	39	.	.	PUNCT
fsr-3222	245	1	7	7	X
fsr-3222	245	2	.	.	X
fsr-3222	245	3	survey	survey	NOUN
fsr-3222	245	4	of	of	ADP
fsr-3222	245	5	college	college	NOUN
fsr-3222	245	6	students	student	NOUN
fsr-3222	245	7	:	:	PUNCT
fsr-3222	245	8	validation	validation	NOUN
fsr-3222	245	9	of	of	ADP
fsr-3222	245	10	our	our	PRON
fsr-3222	245	11	rating	rating	NOUN
fsr-3222	245	12	tool	tool	NOUN
fsr-3222	245	13	in	in	ADP
fsr-3222	245	14	the	the	DET
fsr-3222	245	15	previous	previous	ADJ
fsr-3222	245	16	section	section	NOUN
fsr-3222	245	17	,	,	PUNCT
fsr-3222	245	18	we	we	PRON
fsr-3222	245	19	note	note	VERB
fsr-3222	245	20	several	several	ADJ
fsr-3222	245	21	dimensions	dimension	NOUN
fsr-3222	245	22	of	of	ADP
fsr-3222	245	23	complexity	complexity	NOUN
fsr-3222	245	24	—	—	PUNCT
fsr-3222	245	25	complexity	complexity	NOUN
fsr-3222	245	26	in	in	ADP
fsr-3222	245	27	language	language	NOUN
fsr-3222	245	28	,	,	PUNCT
fsr-3222	245	29	complexity	complexity	NOUN
fsr-3222	245	30	in	in	ADP
fsr-3222	245	31	computations	computation	NOUN
fsr-3222	245	32	,	,	PUNCT
fsr-3222	245	33	complexity	complexity	NOUN
fsr-3222	245	34	in	in	ADP
fsr-3222	245	35	finding	find	VERB
fsr-3222	245	36	relevant	relevant	ADJ
fsr-3222	245	37	information	information	NOUN
fsr-3222	245	38	.	.	PUNCT
fsr-3222	246	1	in	in	ADP
fsr-3222	246	2	the	the	DET
fsr-3222	246	3	remainder	remainder	NOUN
fsr-3222	246	4	of	of	ADP
fsr-3222	246	5	the	the	DET
fsr-3222	246	6	article	article	NOUN
fsr-3222	246	7	,	,	PUNCT
fsr-3222	246	8	we	we	PRON
fsr-3222	246	9	focus	focus	VERB
fsr-3222	246	10	on	on	ADP
fsr-3222	246	11	the	the	DET
fsr-3222	246	12	dimension	dimension	NOUN
fsr-3222	246	13	of	of	ADP
fsr-3222	246	14	the	the	DET
fsr-3222	246	15	complexity	complexity	NOUN
fsr-3222	246	16	of	of	ADP
fsr-3222	246	17	language	language	NOUN
fsr-3222	246	18	.	.	PUNCT
fsr-3222	247	1	we	we	PRON
fsr-3222	247	2	make	make	VERB
fsr-3222	247	3	that	that	DET
fsr-3222	247	4	choice	choice	NOUN
fsr-3222	247	5	because	because	SCONJ
fsr-3222	247	6	we	we	PRON
fsr-3222	247	7	believe	believe	VERB
fsr-3222	247	8	that	that	SCONJ
fsr-3222	247	9	dimension	dimension	NOUN
fsr-3222	247	10	is	be	AUX
fsr-3222	247	11	an	an	DET
fsr-3222	247	12	important	important	ADJ
fsr-3222	247	13	dimension	dimension	NOUN
fsr-3222	247	14	of	of	ADP
fsr-3222	247	15	complexity	complexity	NOUN
fsr-3222	247	16	,	,	PUNCT
fsr-3222	247	17	and	and	CCONJ
fsr-3222	247	18	also	also	ADV
fsr-3222	247	19	because	because	SCONJ
fsr-3222	247	20	we	we	PRON
fsr-3222	247	21	want	want	VERB
fsr-3222	247	22	to	to	PART
fsr-3222	247	23	narrow	narrow	VERB
fsr-3222	247	24	the	the	DET
fsr-3222	247	25	scope	scope	NOUN
fsr-3222	247	26	of	of	ADP
fsr-3222	247	27	our	our	PRON
fsr-3222	247	28	research	research	NOUN
fsr-3222	247	29	so	so	SCONJ
fsr-3222	247	30	as	as	SCONJ
fsr-3222	247	31	to	to	PART
fsr-3222	247	32	be	be	AUX
fsr-3222	247	33	able	able	ADJ
fsr-3222	247	34	to	to	PART
fsr-3222	247	35	focus	focus	VERB
fsr-3222	247	36	on	on	ADP
fsr-3222	247	37	one	one	NUM
fsr-3222	247	38	aspect	aspect	NOUN
fsr-3222	247	39	of	of	ADP
fsr-3222	247	40	the	the	DET
fsr-3222	247	41	issue	issue	NOUN
fsr-3222	247	42	.	.	PUNCT
fsr-3222	248	1	to	to	PART
fsr-3222	248	2	validate	validate	VERB
fsr-3222	248	3	our	our	PRON
fsr-3222	248	4	rating	rating	NOUN
fsr-3222	248	5	tool	tool	NOUN
fsr-3222	248	6	as	as	ADP
fsr-3222	248	7	a	a	DET
fsr-3222	248	8	measure	measure	NOUN
fsr-3222	248	9	of	of	ADP
fsr-3222	248	10	the	the	DET
fsr-3222	248	11	difficulty	difficulty	NOUN
fsr-3222	248	12	of	of	ADP
fsr-3222	248	13	understanding	understand	VERB
fsr-3222	248	14	fee	fee	NOUN
fsr-3222	248	15	disclosures	disclosure	NOUN
fsr-3222	248	16	,	,	PUNCT
fsr-3222	248	17	we	we	PRON
fsr-3222	248	18	surveyed	survey	VERB
fsr-3222	248	19	618	618	NUM
fsr-3222	248	20	students	student	NOUN
fsr-3222	248	21	in	in	ADP
fsr-3222	248	22	the	the	DET
fsr-3222	248	23	seidman	seidman	PROPN
fsr-3222	248	24	college	college	PROPN
fsr-3222	248	25	of	of	ADP
fsr-3222	248	26	business	business	NOUN
fsr-3222	248	27	at	at	ADP
fsr-3222	248	28	grand	grand	PROPN
fsr-3222	248	29	valley	valley	PROPN
fsr-3222	248	30	state	state	PROPN
fsr-3222	248	31	university	university	PROPN
fsr-3222	248	32	,	,	PUNCT
fsr-3222	248	33	a	a	DET
fsr-3222	248	34	midsize	midsize	ADJ
fsr-3222	248	35	university	university	NOUN
fsr-3222	248	36	in	in	ADP
fsr-3222	248	37	allendale	allendale	PROPN
fsr-3222	248	38	,	,	PUNCT
fsr-3222	248	39	mi	mi	PROPN
fsr-3222	248	40	.	.	PROPN
fsr-3222	249	1	while	while	SCONJ
fsr-3222	249	2	all	all	PRON
fsr-3222	249	3	of	of	ADP
fsr-3222	249	4	the	the	DET
fsr-3222	249	5	students	student	NOUN
fsr-3222	249	6	were	be	AUX
fsr-3222	249	7	taking	take	VERB
fsr-3222	249	8	business	business	NOUN
fsr-3222	249	9	classes	class	NOUN
fsr-3222	249	10	,	,	PUNCT
fsr-3222	249	11	and	and	CCONJ
fsr-3222	249	12	most	most	ADJ
fsr-3222	249	13	of	of	ADP
fsr-3222	249	14	the	the	DET
fsr-3222	249	15	students	student	NOUN
fsr-3222	249	16	in	in	ADP
fsr-3222	249	17	the	the	DET
fsr-3222	249	18	sample	sample	NOUN
fsr-3222	249	19	are	be	AUX
fsr-3222	249	20	business	business	NOUN
fsr-3222	249	21	majors	major	NOUN
fsr-3222	249	22	,	,	PUNCT
fsr-3222	249	23	27	27	NUM
fsr-3222	249	24	%	%	NOUN
fsr-3222	249	25	of	of	ADP
fsr-3222	249	26	the	the	DET
fsr-3222	249	27	respondents	respondent	NOUN
fsr-3222	249	28	are	be	AUX
fsr-3222	249	29	not	not	PART
fsr-3222	249	30	business	business	NOUN
fsr-3222	249	31	majors	major	NOUN
fsr-3222	249	32	,	,	PUNCT
fsr-3222	249	33	including	include	VERB
fsr-3222	249	34	16	16	NUM
fsr-3222	249	35	%	%	NOUN
fsr-3222	249	36	who	who	PRON
fsr-3222	249	37	are	be	AUX
fsr-3222	249	38	studying	study	VERB
fsr-3222	249	39	mathematics	mathematic	NOUN
fsr-3222	249	40	intensive	intensive	ADJ
fsr-3222	249	41	majors	major	NOUN
fsr-3222	249	42	,	,	PUNCT
fsr-3222	249	43	such	such	ADJ
fsr-3222	249	44	as	as	ADP
fsr-3222	249	45	engineering	engineering	NOUN
fsr-3222	249	46	,	,	PUNCT
fsr-3222	249	47	but	but	CCONJ
fsr-3222	249	48	are	be	AUX
fsr-3222	249	49	not	not	PART
fsr-3222	249	50	business	business	NOUN
fsr-3222	249	51	majors	major	NOUN
fsr-3222	249	52	(	(	PUNCT
fsr-3222	249	53	table	table	NOUN
fsr-3222	249	54	4	4	NUM
fsr-3222	249	55	)	)	PUNCT
fsr-3222	249	56	.	.	PUNCT
fsr-3222	250	1	while	while	SCONJ
fsr-3222	250	2	the	the	DET
fsr-3222	250	3	sample	sample	NOUN
fsr-3222	250	4	of	of	ADP
fsr-3222	250	5	students	student	NOUN
fsr-3222	250	6	is	be	AUX
fsr-3222	250	7	selective	selective	ADJ
fsr-3222	250	8	in	in	ADP
fsr-3222	250	9	some	some	DET
fsr-3222	250	10	respects	respect	NOUN
fsr-3222	250	11	,	,	PUNCT
fsr-3222	250	12	it	it	PRON
fsr-3222	250	13	is	be	AUX
fsr-3222	250	14	less	less	ADV
fsr-3222	250	15	selective	selective	ADJ
fsr-3222	250	16	than	than	ADP
fsr-3222	250	17	the	the	DET
fsr-3222	250	18	sample	sample	NOUN
fsr-3222	250	19	used	use	VERB
fsr-3222	250	20	by	by	ADP
fsr-3222	250	21	choi	choi	NOUN
fsr-3222	250	22	,	,	PUNCT
fsr-3222	250	23	laibson	laibson	PROPN
fsr-3222	250	24	,	,	PUNCT
fsr-3222	250	25	and	and	CCONJ
fsr-3222	250	26	madrian	madrian	ADJ
fsr-3222	250	27	(	(	PUNCT
fsr-3222	250	28	2010	2010	NUM
fsr-3222	250	29	)	)	PUNCT
fsr-3222	250	30	,	,	PUNCT
fsr-3222	250	31	where	where	SCONJ
fsr-3222	250	32	the	the	DET
fsr-3222	250	33	sample	sample	NOUN
fsr-3222	250	34	consisted	consist	VERB
fsr-3222	250	35	largely	largely	ADV
fsr-3222	250	36	of	of	ADP
fsr-3222	250	37	students	student	NOUN
fsr-3222	250	38	from	from	ADP
fsr-3222	250	39	harvard	harvard	PROPN
fsr-3222	250	40	and	and	CCONJ
fsr-3222	250	41	wharton	wharton	PROPN
fsr-3222	250	42	,	,	PUNCT
fsr-3222	250	43	and	and	CCONJ
fsr-3222	250	44	the	the	DET
fsr-3222	250	45	sat	sit	VERB
fsr-3222	250	46	scores	score	NOUN
fsr-3222	250	47	averaged	average	VERB
fsr-3222	250	48	in	in	ADP
fsr-3222	250	49	the	the	DET
fsr-3222	250	50	99th	99th	ADJ
fsr-3222	250	51	and	and	CCONJ
fsr-3222	250	52	98th	98th	ADJ
fsr-3222	250	53	percentiles	percentile	NOUN
fsr-3222	250	54	,	,	PUNCT
fsr-3222	250	55	respectively	respectively	ADV
fsr-3222	250	56	.	.	PUNCT
fsr-3222	251	1	the	the	DET
fsr-3222	251	2	survey	survey	NOUN
fsr-3222	251	3	was	be	AUX
fsr-3222	251	4	voluntary	voluntary	ADJ
fsr-3222	251	5	and	and	CCONJ
fsr-3222	251	6	administered	administer	VERB
fsr-3222	251	7	online	online	ADV
fsr-3222	251	8	by	by	ADP
fsr-3222	251	9	the	the	DET
fsr-3222	251	10	school	school	NOUN
fsr-3222	251	11	blackboard	blackboard	NOUN
fsr-3222	251	12	site	site	NOUN
fsr-3222	251	13	in	in	ADP
fsr-3222	251	14	october	october	PROPN
fsr-3222	251	15	table	table	NOUN
fsr-3222	251	16	3	3	NUM
fsr-3222	251	17	rating	rating	NOUN
fsr-3222	251	18	fee	fee	NOUN
fsr-3222	251	19	disclosures	disclosure	NOUN
fsr-3222	251	20	adviser	adviser	NOUN
fsr-3222	251	21	company	company	NOUN
fsr-3222	251	22	grade	grade	NOUN
fsr-3222	251	23	level	level	NOUN
fsr-3222	251	24	fee	fee	NOUN
fsr-3222	251	25	on	on	ADP
fsr-3222	251	26	first	first	ADJ
fsr-3222	251	27	dollar	dollar	NOUN
fsr-3222	251	28	apparent	apparent	ADJ
fsr-3222	251	29	disclosure	disclosure	NOUN
fsr-3222	251	30	actual	actual	ADJ
fsr-3222	251	31	disclosure	disclosure	NOUN
fsr-3222	251	32	1	1	NUM
fsr-3222	251	33	.	.	PUNCT
fsr-3222	252	1	edelman	edelman	PROPN
fsr-3222	252	2	9–10	9–10	PROPN
fsr-3222	252	3	16	16	NUM
fsr-3222	252	4	2.0	2.0	NUM
fsr-3222	252	5	%	%	NOUN
fsr-3222	252	6	2	2	NUM
fsr-3222	252	7	.	.	PUNCT
fsr-3222	252	8	edward	edward	PROPN
fsr-3222	252	9	jones	jones	PROPN
fsr-3222	252	10	(	(	PUNCT
fsr-3222	252	11	2013	2013	NUM
fsr-3222	252	12	)	)	PUNCT
fsr-3222	252	13	–	–	PUNCT
fsr-3222	252	14	13–15	13–15	NUM
fsr-3222	252	15	1.8	1.8	NUM
fsr-3222	252	16	%	%	NOUN
fsr-3222	252	17	3	3	NUM
fsr-3222	252	18	.	.	PUNCT
fsr-3222	253	1	fidelity	fidelity	PROPN
fsr-3222	253	2	(	(	PUNCT
fsr-3222	253	3	2013	2013	NUM
fsr-3222	253	4	)	)	PUNCT
fsr-3222	253	5	9–10	9–10	NOUN
fsr-3222	253	6	13–15	13–15	NUM
fsr-3222	253	7	1.5	1.5	NUM
fsr-3222	253	8	%	%	NOUN
fsr-3222	253	9	4	4	NUM
fsr-3222	253	10	.	.	PUNCT
fsr-3222	253	11	west	west	PROPN
fsr-3222	253	12	financial	financial	ADJ
fsr-3222	253	13	services	service	NOUN
fsr-3222	253	14	7–8	7–8	NOUN
fsr-3222	253	15	11–12	11–12	NUM
fsr-3222	253	16	1.25	1.25	NUM
fsr-3222	253	17	%	%	NOUN
fsr-3222	253	18	plus	plus	CCONJ
fsr-3222	253	19	$	$	SYM
fsr-3222	253	20	250	250	NUM
fsr-3222	253	21	an	an	DET
fsr-3222	253	22	hour	hour	NOUN
fsr-3222	253	23	for	for	ADP
fsr-3222	253	24	financial	financial	ADJ
fsr-3222	253	25	planning	planning	NOUN
fsr-3222	253	26	consulting	consult	VERB
fsr-3222	253	27	5	5	NUM
fsr-3222	253	28	.	.	PUNCT
fsr-3222	253	29	summit	summit	NOUN
fsr-3222	253	30	financial	financial	ADJ
fsr-3222	253	31	service	service	NOUN
fsr-3222	253	32	(	(	PUNCT
fsr-3222	253	33	2013	2013	NUM
fsr-3222	253	34	)	)	PUNCT
fsr-3222	253	35	–	–	PUNCT
fsr-3222	253	36	7–8	7–8	NUM
fsr-3222	253	37	1.0	1.0	NUM
fsr-3222	253	38	%	%	NOUN
fsr-3222	253	39	6	6	NUM
fsr-3222	253	40	.	.	PUNCT
fsr-3222	254	1	fbb	fbb	NOUN
fsr-3222	254	2	capital	capital	PROPN
fsr-3222	254	3	partners	partner	NOUN
fsr-3222	254	4	–	–	PUNCT
fsr-3222	254	5	7–8	7–8	NUM
fsr-3222	254	6	1.0	1.0	NUM
fsr-3222	254	7	%	%	NOUN
fsr-3222	254	8	7	7	NUM
fsr-3222	254	9	.	.	X
fsr-3222	254	10	vanguard	vanguard	NOUN
fsr-3222	254	11	(	(	PUNCT
fsr-3222	254	12	2013	2013	NUM
fsr-3222	254	13	)	)	PUNCT
fsr-3222	254	14	–	–	PUNCT
fsr-3222	254	15	9–10	9–10	NOUN
fsr-3222	254	16	0.9	0.9	NUM
fsr-3222	254	17	%	%	NOUN
fsr-3222	254	18	8	8	NUM
fsr-3222	254	19	.	.	X
fsr-3222	254	20	zero	zero	NUM
fsr-3222	254	21	commission	commission	PROPN
fsr-3222	254	22	portfolio	portfolio	NOUN
fsr-3222	254	23	(	(	PUNCT
fsr-3222	254	24	2013	2013	NUM
fsr-3222	254	25	)	)	PUNCT
fsr-3222	254	26	–	–	PUNCT
fsr-3222	254	27	7–8	7–8	NUM
fsr-3222	254	28	$	$	SYM
fsr-3222	254	29	145	145	NUM
fsr-3222	254	30	a	a	DET
fsr-3222	254	31	month	month	NOUN
fsr-3222	254	32	9	9	NUM
fsr-3222	254	33	.	.	PUNCT
fsr-3222	254	34	bloombergblack	bloombergblack	NOUN
fsr-3222	254	35	(	(	PUNCT
fsr-3222	254	36	2013	2013	NUM
fsr-3222	254	37	)	)	PUNCT
fsr-3222	254	38	–	–	PUNCT
fsr-3222	254	39	7–8	7–8	NUM
fsr-3222	254	40	$	$	SYM
fsr-3222	254	41	100	100	NUM
fsr-3222	254	42	a	a	DET
fsr-3222	254	43	month	month	NOUN
fsr-3222	254	44	10	10	NUM
fsr-3222	254	45	.	.	PUNCT
fsr-3222	255	1	nestwise	nestwise	PROPN
fsr-3222	255	2	(	(	PUNCT
fsr-3222	255	3	2013	2013	NUM
fsr-3222	255	4	)	)	PUNCT
fsr-3222	255	5	–	–	PUNCT
fsr-3222	255	6	7–8	7–8	NUM
fsr-3222	255	7	$	$	SYM
fsr-3222	255	8	250	250	NUM
fsr-3222	255	9	initial	initial	ADJ
fsr-3222	255	10	fee	fee	NOUN
fsr-3222	255	11	,	,	PUNCT
fsr-3222	255	12	$	$	SYM
fsr-3222	255	13	575	575	NUM
fsr-3222	255	14	annual	annual	ADJ
fsr-3222	255	15	fee	fee	NOUN
fsr-3222	255	16	source	source	NOUN
fsr-3222	255	17	:	:	PUNCT
fsr-3222	255	18	authors	author	NOUN
fsr-3222	255	19	’	'	PUNCT
fsr-3222	255	20	compilation	compilation	NOUN
fsr-3222	255	21	,	,	PUNCT
fsr-3222	255	22	based	base	VERB
fsr-3222	255	23	on	on	ADP
fsr-3222	255	24	a	a	DET
fsr-3222	255	25	portfolio	portfolio	NOUN
fsr-3222	255	26	of	of	ADP
fsr-3222	255	27	$	$	SYM
fsr-3222	255	28	425,000	425,000	NUM
fsr-3222	255	29	.	.	PUNCT
fsr-3222	256	1	225l.a	225l.a	NOUN
fsr-3222	256	2	.	.	PUNCT
fsr-3222	257	1	muller	muller	PROPN
fsr-3222	257	2	,	,	PUNCT
fsr-3222	257	3	j.a	j.a	PROPN
fsr-3222	257	4	.	.	PROPN
fsr-3222	257	5	turner	turner	PROPN
fsr-3222	257	6	/	/	SYM
fsr-3222	257	7	financial	financial	ADJ
fsr-3222	257	8	services	service	NOUN
fsr-3222	257	9	review	review	VERB
fsr-3222	257	10	25	25	NUM
fsr-3222	257	11	(	(	PUNCT
fsr-3222	257	12	2016	2016	NUM
fsr-3222	257	13	)	)	PUNCT
fsr-3222	257	14	215–234	215–234	NUM
fsr-3222	257	15	2014	2014	NUM
fsr-3222	257	16	.	.	PUNCT
fsr-3222	258	1	the	the	DET
fsr-3222	258	2	goal	goal	NOUN
fsr-3222	258	3	was	be	AUX
fsr-3222	258	4	to	to	PART
fsr-3222	258	5	present	present	VERB
fsr-3222	258	6	the	the	DET
fsr-3222	258	7	students	student	NOUN
fsr-3222	258	8	with	with	ADP
fsr-3222	258	9	two	two	NUM
fsr-3222	258	10	actual	actual	ADJ
fsr-3222	258	11	fee	fee	NOUN
fsr-3222	258	12	disclosures	disclosure	NOUN
fsr-3222	258	13	that	that	PRON
fsr-3222	258	14	we	we	PRON
fsr-3222	258	15	have	have	AUX
fsr-3222	258	16	rated	rate	VERB
fsr-3222	258	17	:	:	PUNCT
fsr-3222	258	18	one	one	NUM
fsr-3222	258	19	that	that	PRON
fsr-3222	258	20	we	we	PRON
fsr-3222	258	21	rated	rate	VERB
fsr-3222	258	22	as	as	ADP
fsr-3222	258	23	“	"	PUNCT
fsr-3222	258	24	simple	simple	ADJ
fsr-3222	258	25	”	"	PUNCT
fsr-3222	258	26	and	and	CCONJ
fsr-3222	258	27	one	one	NUM
fsr-3222	258	28	that	that	PRON
fsr-3222	258	29	we	we	PRON
fsr-3222	258	30	rated	rate	VERB
fsr-3222	258	31	as	as	ADP
fsr-3222	258	32	“	"	PUNCT
fsr-3222	258	33	complex	complex	ADJ
fsr-3222	258	34	,	,	PUNCT
fsr-3222	258	35	”	"	PUNCT
fsr-3222	258	36	using	use	VERB
fsr-3222	258	37	our	our	PRON
fsr-3222	258	38	adjusted	adjust	VERB
fsr-3222	258	39	readability	readability	NOUN
fsr-3222	258	40	formula	formula	NOUN
fsr-3222	258	41	(	(	PUNCT
fsr-3222	258	42	eq	eq	NOUN
fsr-3222	258	43	.	.	NOUN
fsr-3222	258	44	2	2	NUM
fsr-3222	258	45	)	)	PUNCT
fsr-3222	258	46	.	.	PUNCT
fsr-3222	259	1	we	we	PRON
fsr-3222	259	2	did	do	AUX
fsr-3222	259	3	not	not	PART
fsr-3222	259	4	identify	identify	VERB
fsr-3222	259	5	in	in	ADP
fsr-3222	259	6	the	the	DET
fsr-3222	259	7	survey	survey	NOUN
fsr-3222	259	8	which	which	DET
fsr-3222	259	9	disclosure	disclosure	NOUN
fsr-3222	259	10	was	be	AUX
fsr-3222	259	11	simple	simple	ADJ
fsr-3222	259	12	and	and	CCONJ
fsr-3222	259	13	which	which	PRON
fsr-3222	259	14	was	be	AUX
fsr-3222	259	15	complex	complex	ADJ
fsr-3222	259	16	.	.	PUNCT
fsr-3222	260	1	the	the	DET
fsr-3222	260	2	students	student	NOUN
fsr-3222	260	3	would	would	AUX
fsr-3222	260	4	then	then	ADV
fsr-3222	260	5	compute	compute	VERB
fsr-3222	260	6	the	the	DET
fsr-3222	260	7	fee	fee	NOUN
fsr-3222	260	8	charged	charge	VERB
fsr-3222	260	9	,	,	PUNCT
fsr-3222	260	10	as	as	ADV
fsr-3222	260	11	well	well	ADV
fsr-3222	260	12	as	as	ADP
fsr-3222	260	13	rate	rate	VERB
fsr-3222	260	14	the	the	DET
fsr-3222	260	15	complexity	complexity	NOUN
fsr-3222	260	16	of	of	ADP
fsr-3222	260	17	the	the	DET
fsr-3222	260	18	disclosure	disclosure	NOUN
fsr-3222	260	19	on	on	ADP
fsr-3222	260	20	a	a	DET
fsr-3222	260	21	scale	scale	NOUN
fsr-3222	260	22	from	from	ADP
fsr-3222	260	23	1	1	NUM
fsr-3222	260	24	to	to	PART
fsr-3222	260	25	10	10	NUM
fsr-3222	260	26	.	.	PUNCT
fsr-3222	261	1	the	the	DET
fsr-3222	261	2	full	full	ADJ
fsr-3222	261	3	survey	survey	NOUN
fsr-3222	261	4	is	be	AUX
fsr-3222	261	5	found	find	VERB
fsr-3222	261	6	in	in	ADP
fsr-3222	261	7	appendix	appendix	NOUN
fsr-3222	261	8	2	2	NUM
fsr-3222	261	9	.	.	PUNCT
fsr-3222	261	10	summary	summary	NOUN
fsr-3222	261	11	statistics	statistic	NOUN
fsr-3222	261	12	for	for	ADP
fsr-3222	261	13	the	the	DET
fsr-3222	261	14	sample	sample	NOUN
fsr-3222	261	15	are	be	AUX
fsr-3222	261	16	found	find	VERB
fsr-3222	261	17	in	in	ADP
fsr-3222	261	18	table	table	NOUN
fsr-3222	261	19	4	4	NUM
fsr-3222	261	20	.	.	PUNCT
fsr-3222	261	21	a	a	DET
fsr-3222	261	22	little	little	ADJ
fsr-3222	261	23	over	over	ADP
fsr-3222	261	24	half	half	NOUN
fsr-3222	261	25	of	of	ADP
fsr-3222	261	26	respondents	respondent	NOUN
fsr-3222	261	27	are	be	AUX
fsr-3222	261	28	male	male	ADJ
fsr-3222	261	29	,	,	PUNCT
fsr-3222	261	30	and	and	CCONJ
fsr-3222	261	31	73	73	NUM
fsr-3222	261	32	%	%	NOUN
fsr-3222	261	33	of	of	ADP
fsr-3222	261	34	the	the	DET
fsr-3222	261	35	students	student	NOUN
fsr-3222	261	36	are	be	AUX
fsr-3222	261	37	in	in	ADP
fsr-3222	261	38	some	some	DET
fsr-3222	261	39	type	type	NOUN
fsr-3222	261	40	of	of	ADP
fsr-3222	261	41	business	business	NOUN
fsr-3222	261	42	major	major	NOUN
fsr-3222	261	43	.	.	PUNCT
fsr-3222	262	1	nonbusiness	nonbusiness	NOUN
fsr-3222	262	2	majors	major	NOUN
fsr-3222	262	3	comprise	comprise	VERB
fsr-3222	262	4	27	27	NUM
fsr-3222	262	5	%	%	NOUN
fsr-3222	262	6	of	of	ADP
fsr-3222	262	7	the	the	DET
fsr-3222	262	8	sample	sample	NOUN
fsr-3222	262	9	,	,	PUNCT
fsr-3222	262	10	with	with	ADP
fsr-3222	262	11	11	11	NUM
fsr-3222	262	12	%	%	NOUN
fsr-3222	262	13	having	have	VERB
fsr-3222	262	14	a	a	DET
fsr-3222	262	15	non	non	ADJ
fsr-3222	262	16	-	-	ADJ
fsr-3222	262	17	math	math	ADJ
fsr-3222	262	18	intensive	intensive	ADJ
fsr-3222	262	19	major	major	NOUN
fsr-3222	262	20	such	such	ADJ
fsr-3222	262	21	as	as	ADP
fsr-3222	262	22	education	education	NOUN
fsr-3222	262	23	or	or	CCONJ
fsr-3222	262	24	sociology	sociology	NOUN
fsr-3222	262	25	,	,	PUNCT
fsr-3222	262	26	and	and	CCONJ
fsr-3222	262	27	16	16	NUM
fsr-3222	262	28	%	%	NOUN
fsr-3222	262	29	having	have	VERB
fsr-3222	262	30	a	a	DET
fsr-3222	262	31	math	math	NOUN
fsr-3222	262	32	-	-	PUNCT
fsr-3222	262	33	intensive	intensive	ADJ
fsr-3222	262	34	major	major	NOUN
fsr-3222	262	35	such	such	ADJ
fsr-3222	262	36	as	as	ADP
fsr-3222	262	37	engineering	engineering	NOUN
fsr-3222	262	38	or	or	CCONJ
fsr-3222	262	39	statistics	statistic	NOUN
fsr-3222	262	40	.	.	PUNCT
fsr-3222	263	1	additionally	additionally	ADV
fsr-3222	263	2	,	,	PUNCT
fsr-3222	263	3	88	88	NUM
fsr-3222	263	4	%	%	NOUN
fsr-3222	263	5	are	be	AUX
fsr-3222	263	6	age	age	NOUN
fsr-3222	263	7	25	25	NUM
fsr-3222	263	8	or	or	CCONJ
fsr-3222	263	9	under	under	ADV
fsr-3222	263	10	,	,	PUNCT
fsr-3222	263	11	with	with	ADP
fsr-3222	263	12	the	the	DET
fsr-3222	263	13	remaining	remain	VERB
fsr-3222	263	14	12	12	NUM
fsr-3222	263	15	%	%	NOUN
fsr-3222	263	16	being	be	AUX
fsr-3222	263	17	nontraditional	nontraditional	ADJ
fsr-3222	263	18	students	student	NOUN
fsr-3222	263	19	or	or	CCONJ
fsr-3222	263	20	individuals	individual	NOUN
fsr-3222	263	21	pursuing	pursue	VERB
fsr-3222	263	22	their	their	PRON
fsr-3222	263	23	mba	mba	NOUN
fsr-3222	263	24	.	.	PUNCT
fsr-3222	264	1	ninety	ninety	NUM
fsr-3222	264	2	-	-	PUNCT
fsr-3222	264	3	six	six	NUM
fsr-3222	264	4	percent	percent	NOUN
fsr-3222	264	5	of	of	ADP
fsr-3222	264	6	respondents	respondent	NOUN
fsr-3222	264	7	list	list	VERB
fsr-3222	264	8	english	english	PROPN
fsr-3222	264	9	as	as	ADP
fsr-3222	264	10	their	their	PRON
fsr-3222	264	11	first	first	ADJ
fsr-3222	264	12	language	language	NOUN
fsr-3222	264	13	.	.	PUNCT
fsr-3222	265	1	some	some	DET
fsr-3222	265	2	characteristics	characteristic	NOUN
fsr-3222	265	3	of	of	ADP
fsr-3222	265	4	our	our	PRON
fsr-3222	265	5	sample	sample	NOUN
fsr-3222	265	6	may	may	AUX
fsr-3222	265	7	bias	bias	VERB
fsr-3222	265	8	the	the	DET
fsr-3222	265	9	results	result	NOUN
fsr-3222	265	10	either	either	CCONJ
fsr-3222	265	11	upwards	upwards	ADV
fsr-3222	265	12	or	or	CCONJ
fsr-3222	265	13	downwards	downward	NOUN
fsr-3222	265	14	with	with	ADP
fsr-3222	265	15	respect	respect	NOUN
fsr-3222	265	16	to	to	ADP
fsr-3222	265	17	the	the	DET
fsr-3222	265	18	population	population	NOUN
fsr-3222	265	19	of	of	ADP
fsr-3222	265	20	those	those	PRON
fsr-3222	265	21	reading	read	VERB
fsr-3222	265	22	financial	financial	ADJ
fsr-3222	265	23	disclosures	disclosure	NOUN
fsr-3222	265	24	.	.	PUNCT
fsr-3222	266	1	the	the	DET
fsr-3222	266	2	literature	literature	NOUN
fsr-3222	266	3	suggests	suggest	VERB
fsr-3222	266	4	that	that	SCONJ
fsr-3222	266	5	age	age	NOUN
fsr-3222	266	6	is	be	AUX
fsr-3222	266	7	positively	positively	ADV
fsr-3222	266	8	related	relate	VERB
fsr-3222	266	9	to	to	ADP
fsr-3222	266	10	financial	financial	ADJ
fsr-3222	266	11	knowledge	knowledge	NOUN
fsr-3222	266	12	,	,	PUNCT
fsr-3222	266	13	so	so	ADV
fsr-3222	266	14	given	give	VERB
fsr-3222	266	15	that	that	SCONJ
fsr-3222	266	16	most	most	ADJ
fsr-3222	266	17	of	of	ADP
fsr-3222	266	18	the	the	DET
fsr-3222	266	19	respondents	respondent	NOUN
fsr-3222	266	20	are	be	AUX
fsr-3222	266	21	under	under	ADP
fsr-3222	266	22	age	age	NOUN
fsr-3222	266	23	25	25	NUM
fsr-3222	266	24	,	,	PUNCT
fsr-3222	266	25	the	the	DET
fsr-3222	266	26	age	age	NOUN
fsr-3222	266	27	of	of	ADP
fsr-3222	266	28	the	the	DET
fsr-3222	266	29	respondents	respondent	NOUN
fsr-3222	266	30	in	in	ADP
fsr-3222	266	31	our	our	PRON
fsr-3222	266	32	sample	sample	NOUN
fsr-3222	266	33	would	would	AUX
fsr-3222	266	34	bias	bias	VERB
fsr-3222	266	35	the	the	DET
fsr-3222	266	36	results	result	NOUN
fsr-3222	266	37	downward	downward	ADV
fsr-3222	266	38	,	,	PUNCT
fsr-3222	266	39	meaning	mean	VERB
fsr-3222	266	40	they	they	PRON
fsr-3222	266	41	would	would	AUX
fsr-3222	266	42	be	be	AUX
fsr-3222	266	43	more	more	ADV
fsr-3222	266	44	likely	likely	ADJ
fsr-3222	266	45	to	to	PART
fsr-3222	266	46	rate	rate	VERB
fsr-3222	266	47	a	a	DET
fsr-3222	266	48	disclosure	disclosure	NOUN
fsr-3222	266	49	as	as	ADP
fsr-3222	266	50	complex	complex	ADJ
fsr-3222	266	51	.	.	PUNCT
fsr-3222	267	1	for	for	ADP
fsr-3222	267	2	example	example	NOUN
fsr-3222	267	3	,	,	PUNCT
fsr-3222	267	4	lusardi	lusardi	PROPN
fsr-3222	267	5	and	and	CCONJ
fsr-3222	267	6	mitchell	mitchell	PROPN
fsr-3222	267	7	(	(	PUNCT
fsr-3222	267	8	2011	2011	NUM
fsr-3222	267	9	)	)	PUNCT
fsr-3222	267	10	find	find	VERB
fsr-3222	267	11	that	that	SCONJ
fsr-3222	267	12	financial	financial	ADJ
fsr-3222	267	13	literacy	literacy	NOUN
fsr-3222	267	14	tends	tend	VERB
fsr-3222	267	15	to	to	PART
fsr-3222	267	16	have	have	VERB
fsr-3222	267	17	an	an	DET
fsr-3222	267	18	inverted	invert	VERB
fsr-3222	267	19	-	-	PUNCT
fsr-3222	267	20	u	u	NOUN
fsr-3222	267	21	pattern	pattern	NOUN
fsr-3222	267	22	with	with	ADP
fsr-3222	267	23	respect	respect	NOUN
fsr-3222	267	24	to	to	ADP
fsr-3222	267	25	age	age	NOUN
fsr-3222	267	26	,	,	PUNCT
fsr-3222	267	27	being	be	AUX
fsr-3222	267	28	lowest	low	ADJ
fsr-3222	267	29	among	among	ADP
fsr-3222	267	30	the	the	DET
fsr-3222	267	31	young	young	ADJ
fsr-3222	267	32	and	and	CCONJ
fsr-3222	267	33	the	the	DET
fsr-3222	267	34	old	old	ADJ
fsr-3222	267	35	.	.	PUNCT
fsr-3222	268	1	however	however	ADV
fsr-3222	268	2	,	,	PUNCT
fsr-3222	268	3	the	the	DET
fsr-3222	268	4	literature	literature	NOUN
fsr-3222	268	5	also	also	ADV
fsr-3222	268	6	shows	show	VERB
fsr-3222	268	7	that	that	SCONJ
fsr-3222	268	8	individuals	individual	NOUN
fsr-3222	268	9	with	with	ADP
fsr-3222	268	10	business	business	NOUN
fsr-3222	268	11	degrees	degree	NOUN
fsr-3222	268	12	make	make	VERB
fsr-3222	268	13	more	more	ADV
fsr-3222	268	14	sophisticated	sophisticated	ADJ
fsr-3222	268	15	financial	financial	ADJ
fsr-3222	268	16	decisions	decision	NOUN
fsr-3222	268	17	(	(	PUNCT
fsr-3222	268	18	allgood	allgood	NOUN
fsr-3222	268	19	et	et	PROPN
fsr-3222	268	20	al	al	PROPN
fsr-3222	268	21	.	.	PROPN
fsr-3222	268	22	,	,	PUNCT
fsr-3222	268	23	2011	2011	NUM
fsr-3222	268	24	)	)	PUNCT
fsr-3222	268	25	,	,	PUNCT
fsr-3222	268	26	biasing	bias	VERB
fsr-3222	268	27	the	the	DET
fsr-3222	268	28	results	result	NOUN
fsr-3222	268	29	upwards	upwards	ADV
fsr-3222	268	30	.	.	PUNCT
fsr-3222	269	1	given	give	VERB
fsr-3222	269	2	that	that	SCONJ
fsr-3222	269	3	we	we	PRON
fsr-3222	269	4	do	do	AUX
fsr-3222	269	5	not	not	PART
fsr-3222	269	6	have	have	AUX
fsr-3222	269	7	sufficient	sufficient	ADJ
fsr-3222	269	8	information	information	NOUN
fsr-3222	269	9	to	to	PART
fsr-3222	269	10	determine	determine	VERB
fsr-3222	269	11	the	the	DET
fsr-3222	269	12	degree	degree	NOUN
fsr-3222	269	13	of	of	ADP
fsr-3222	269	14	bias	bias	NOUN
fsr-3222	269	15	either	either	CCONJ
fsr-3222	269	16	way	way	NOUN
fsr-3222	269	17	,	,	PUNCT
fsr-3222	269	18	we	we	PRON
fsr-3222	269	19	should	should	AUX
fsr-3222	269	20	keep	keep	VERB
fsr-3222	269	21	this	this	PRON
fsr-3222	269	22	in	in	ADP
fsr-3222	269	23	mind	mind	NOUN
fsr-3222	269	24	when	when	SCONJ
fsr-3222	269	25	extrapolating	extrapolate	VERB
fsr-3222	269	26	the	the	DET
fsr-3222	269	27	results	result	NOUN
fsr-3222	269	28	to	to	ADP
fsr-3222	269	29	the	the	DET
fsr-3222	269	30	general	general	ADJ
fsr-3222	269	31	population	population	NOUN
fsr-3222	269	32	.	.	PUNCT
fsr-3222	270	1	table	table	NOUN
fsr-3222	270	2	4	4	NUM
fsr-3222	270	3	summary	summary	NOUN
fsr-3222	270	4	statistics	statistic	NOUN
fsr-3222	270	5	for	for	ADP
fsr-3222	270	6	survey	survey	NOUN
fsr-3222	270	7	sample	sample	NOUN
fsr-3222	270	8	characteristic	characteristic	ADJ
fsr-3222	270	9	percentage	percentage	NOUN
fsr-3222	270	10	of	of	ADP
fsr-3222	270	11	sample	sample	NOUN
fsr-3222	270	12	male	male	NOUN
fsr-3222	270	13	54	54	NUM
fsr-3222	270	14	female	female	ADJ
fsr-3222	270	15	46	46	NUM
fsr-3222	270	16	age	age	NOUN
fsr-3222	270	17	25	25	NUM
fsr-3222	270	18	and	and	CCONJ
fsr-3222	270	19	under	under	ADP
fsr-3222	270	20	88	88	NUM
fsr-3222	270	21	age	age	NOUN
fsr-3222	270	22	over	over	ADP
fsr-3222	270	23	25	25	NUM
fsr-3222	270	24	12	12	NUM
fsr-3222	270	25	english	english	PROPN
fsr-3222	270	26	is	be	AUX
fsr-3222	270	27	first	first	ADJ
fsr-3222	270	28	language	language	NOUN
fsr-3222	270	29	96	96	NUM
fsr-3222	270	30	english	english	PROPN
fsr-3222	270	31	is	be	AUX
fsr-3222	270	32	not	not	PART
fsr-3222	270	33	first	first	ADJ
fsr-3222	270	34	language	language	NOUN
fsr-3222	270	35	4	4	NUM
fsr-3222	270	36	non	non	ADJ
fsr-3222	270	37	-	-	ADJ
fsr-3222	270	38	business	business	ADJ
fsr-3222	270	39	majors	major	NOUN
fsr-3222	270	40	27	27	NUM
fsr-3222	270	41	non	non	ADJ
fsr-3222	270	42	-	-	ADJ
fsr-3222	270	43	math	math	ADJ
fsr-3222	270	44	intensive	intensive	ADJ
fsr-3222	270	45	11	11	NUM
fsr-3222	270	46	math	math	NOUN
fsr-3222	270	47	intensive	intensive	ADJ
fsr-3222	270	48	16	16	NUM
fsr-3222	270	49	business	business	NOUN
fsr-3222	270	50	majors	major	NOUN
fsr-3222	270	51	73	73	NUM
fsr-3222	270	52	accounting	account	VERB
fsr-3222	270	53	20	20	NUM
fsr-3222	270	54	economics	economic	NOUN
fsr-3222	270	55	5	5	NUM
fsr-3222	270	56	finance	finance	NOUN
fsr-3222	270	57	12	12	NUM
fsr-3222	270	58	management	management	NOUN
fsr-3222	270	59	14	14	NUM
fsr-3222	270	60	marketing	marketing	NOUN
fsr-3222	270	61	14	14	NUM
fsr-3222	270	62	general	general	ADJ
fsr-3222	270	63	business	business	NOUN
fsr-3222	270	64	6	6	NUM
fsr-3222	270	65	mba	mba	NOUN
fsr-3222	270	66	2	2	NUM
fsr-3222	270	67	source	source	NOUN
fsr-3222	270	68	:	:	PUNCT
fsr-3222	270	69	authors	author	NOUN
fsr-3222	270	70	’	’	PART
fsr-3222	270	71	tabulations	tabulation	NOUN
fsr-3222	270	72	,	,	PUNCT
fsr-3222	270	73	based	base	VERB
fsr-3222	270	74	on	on	ADP
fsr-3222	270	75	a	a	DET
fsr-3222	270	76	survey	survey	NOUN
fsr-3222	270	77	sample	sample	NOUN
fsr-3222	270	78	of	of	ADP
fsr-3222	270	79	618	618	NUM
fsr-3222	270	80	students	student	NOUN
fsr-3222	270	81	.	.	PUNCT
fsr-3222	271	1	note	note	NOUN
fsr-3222	271	2	:	:	PUNCT
fsr-3222	271	3	non	non	ADJ
fsr-3222	271	4	-	-	NOUN
fsr-3222	271	5	business	business	ADJ
fsr-3222	271	6	,	,	PUNCT
fsr-3222	271	7	non	non	ADJ
fsr-3222	271	8	-	-	ADJ
fsr-3222	271	9	math	math	ADJ
fsr-3222	271	10	intensive	intensive	ADJ
fsr-3222	271	11	majors	major	NOUN
fsr-3222	271	12	would	would	AUX
fsr-3222	271	13	include	include	VERB
fsr-3222	271	14	,	,	PUNCT
fsr-3222	271	15	for	for	ADP
fsr-3222	271	16	example	example	NOUN
fsr-3222	271	17	,	,	PUNCT
fsr-3222	271	18	education	education	NOUN
fsr-3222	271	19	or	or	CCONJ
fsr-3222	271	20	sociology	sociology	NOUN
fsr-3222	271	21	majors	major	NOUN
fsr-3222	271	22	.	.	PUNCT
fsr-3222	272	1	non	non	ADJ
fsr-3222	272	2	-	-	NOUN
fsr-3222	272	3	business	business	NOUN
fsr-3222	272	4	,	,	PUNCT
fsr-3222	272	5	math	math	NOUN
fsr-3222	272	6	intensive	intensive	ADJ
fsr-3222	272	7	majors	major	NOUN
fsr-3222	272	8	would	would	AUX
fsr-3222	272	9	include	include	VERB
fsr-3222	272	10	,	,	PUNCT
fsr-3222	272	11	for	for	ADP
fsr-3222	272	12	example	example	NOUN
fsr-3222	272	13	,	,	PUNCT
fsr-3222	272	14	engineering	engineering	NOUN
fsr-3222	272	15	and	and	CCONJ
fsr-3222	272	16	statistics	statistic	NOUN
fsr-3222	272	17	majors	major	NOUN
fsr-3222	272	18	.	.	PUNCT
fsr-3222	273	1	226	226	NUM
fsr-3222	273	2	l.a	l.a	PROPN
fsr-3222	273	3	.	.	PROPN
fsr-3222	273	4	muller	muller	PROPN
fsr-3222	273	5	,	,	PUNCT
fsr-3222	273	6	j.a	j.a	PROPN
fsr-3222	273	7	.	.	PROPN
fsr-3222	273	8	turner	turner	PROPN
fsr-3222	273	9	/	/	SYM
fsr-3222	273	10	financial	financial	ADJ
fsr-3222	273	11	services	service	NOUN
fsr-3222	273	12	review	review	VERB
fsr-3222	273	13	25	25	NUM
fsr-3222	273	14	(	(	PUNCT
fsr-3222	273	15	2016	2016	NUM
fsr-3222	273	16	)	)	PUNCT
fsr-3222	273	17	215–234	215–234	NUM
fsr-3222	273	18	in	in	ADP
fsr-3222	273	19	table	table	NOUN
fsr-3222	273	20	5	5	NUM
fsr-3222	273	21	we	we	PRON
fsr-3222	273	22	present	present	VERB
fsr-3222	273	23	the	the	DET
fsr-3222	273	24	answers	answer	NOUN
fsr-3222	273	25	the	the	DET
fsr-3222	273	26	students	student	NOUN
fsr-3222	273	27	gave	give	VERB
fsr-3222	273	28	when	when	SCONJ
fsr-3222	273	29	asked	ask	VERB
fsr-3222	273	30	to	to	PART
fsr-3222	273	31	compute	compute	VERB
fsr-3222	273	32	the	the	DET
fsr-3222	273	33	fee	fee	NOUN
fsr-3222	273	34	from	from	ADP
fsr-3222	273	35	both	both	CCONJ
fsr-3222	273	36	the	the	DET
fsr-3222	273	37	simple	simple	ADJ
fsr-3222	273	38	and	and	CCONJ
fsr-3222	273	39	the	the	DET
fsr-3222	273	40	complex	complex	ADJ
fsr-3222	273	41	disclosure	disclosure	NOUN
fsr-3222	273	42	(	(	PUNCT
fsr-3222	273	43	questions	question	NOUN
fsr-3222	273	44	5a	5a	NUM
fsr-3222	273	45	and	and	CCONJ
fsr-3222	273	46	6a	6a	NOUN
fsr-3222	273	47	,	,	PUNCT
fsr-3222	273	48	respectively	respectively	ADV
fsr-3222	273	49	;	;	PUNCT
fsr-3222	273	50	see	see	VERB
fsr-3222	273	51	appendix	appendix	NOUN
fsr-3222	273	52	2	2	NUM
fsr-3222	273	53	)	)	PUNCT
fsr-3222	273	54	.	.	PUNCT
fsr-3222	274	1	the	the	DET
fsr-3222	274	2	results	result	NOUN
fsr-3222	274	3	clearly	clearly	ADV
fsr-3222	274	4	show	show	VERB
fsr-3222	274	5	that	that	SCONJ
fsr-3222	274	6	the	the	DET
fsr-3222	274	7	students	student	NOUN
fsr-3222	274	8	had	have	VERB
fsr-3222	274	9	a	a	DET
fsr-3222	274	10	more	more	ADV
fsr-3222	274	11	difficult	difficult	ADJ
fsr-3222	274	12	time	time	NOUN
fsr-3222	274	13	with	with	ADP
fsr-3222	274	14	the	the	DET
fsr-3222	274	15	complex	complex	ADJ
fsr-3222	274	16	disclosure	disclosure	NOUN
fsr-3222	274	17	.	.	PUNCT
fsr-3222	275	1	while	while	SCONJ
fsr-3222	275	2	half	half	NOUN
fsr-3222	275	3	got	get	VERB
fsr-3222	275	4	the	the	DET
fsr-3222	275	5	correct	correct	ADJ
fsr-3222	275	6	answer	answer	NOUN
fsr-3222	275	7	to	to	ADP
fsr-3222	275	8	the	the	DET
fsr-3222	275	9	simple	simple	ADJ
fsr-3222	275	10	disclosure	disclosure	NOUN
fsr-3222	275	11	,	,	PUNCT
fsr-3222	275	12	only	only	ADV
fsr-3222	275	13	15	15	NUM
fsr-3222	275	14	%	%	NOUN
fsr-3222	275	15	computed	compute	VERB
fsr-3222	275	16	the	the	DET
fsr-3222	275	17	fee	fee	NOUN
fsr-3222	275	18	correctly	correctly	ADV
fsr-3222	275	19	for	for	ADP
fsr-3222	275	20	the	the	DET
fsr-3222	275	21	complex	complex	ADJ
fsr-3222	275	22	one	one	NOUN
fsr-3222	275	23	.	.	PUNCT
fsr-3222	276	1	in	in	ADP
fsr-3222	276	2	addition	addition	NOUN
fsr-3222	276	3	,	,	PUNCT
fsr-3222	276	4	while	while	SCONJ
fsr-3222	276	5	only	only	ADV
fsr-3222	276	6	24	24	NUM
fsr-3222	276	7	%	%	NOUN
fsr-3222	276	8	answered	answer	VERB
fsr-3222	276	9	“	"	PUNCT
fsr-3222	276	10	do	do	AUX
fsr-3222	276	11	n’t	not	PART
fsr-3222	276	12	know	know	VERB
fsr-3222	276	13	”	"	PUNCT
fsr-3222	276	14	for	for	ADP
fsr-3222	276	15	the	the	DET
fsr-3222	276	16	simple	simple	ADJ
fsr-3222	276	17	disclosure	disclosure	NOUN
fsr-3222	276	18	,	,	PUNCT
fsr-3222	276	19	45	45	NUM
fsr-3222	276	20	%	%	NOUN
fsr-3222	276	21	gave	give	VERB
fsr-3222	276	22	this	this	DET
fsr-3222	276	23	answer	answer	NOUN
fsr-3222	276	24	for	for	ADP
fsr-3222	276	25	the	the	DET
fsr-3222	276	26	complex	complex	ADJ
fsr-3222	276	27	one	one	NUM
fsr-3222	276	28	.	.	PUNCT
fsr-3222	277	1	the	the	DET
fsr-3222	277	2	results	result	NOUN
fsr-3222	277	3	in	in	ADP
fsr-3222	277	4	table	table	NOUN
fsr-3222	277	5	6	6	NUM
fsr-3222	277	6	confirm	confirm	VERB
fsr-3222	277	7	the	the	DET
fsr-3222	277	8	findings	finding	NOUN
fsr-3222	277	9	in	in	ADP
fsr-3222	277	10	table	table	NOUN
fsr-3222	277	11	5	5	NUM
fsr-3222	277	12	—	—	PUNCT
fsr-3222	277	13	the	the	DET
fsr-3222	277	14	disclosure	disclosure	NOUN
fsr-3222	277	15	we	we	PRON
fsr-3222	277	16	rate	rate	VERB
fsr-3222	277	17	as	as	ADP
fsr-3222	277	18	complex	complex	ADJ
fsr-3222	277	19	is	be	AUX
fsr-3222	277	20	more	more	ADV
fsr-3222	277	21	difficult	difficult	ADJ
fsr-3222	277	22	than	than	ADP
fsr-3222	277	23	the	the	DET
fsr-3222	277	24	one	one	NOUN
fsr-3222	277	25	we	we	PRON
fsr-3222	277	26	rate	rate	VERB
fsr-3222	277	27	as	as	ADP
fsr-3222	277	28	simple	simple	ADJ
fsr-3222	277	29	.	.	PUNCT
fsr-3222	278	1	while	while	SCONJ
fsr-3222	278	2	40	40	NUM
fsr-3222	278	3	%	%	NOUN
fsr-3222	278	4	of	of	ADP
fsr-3222	278	5	students	student	NOUN
fsr-3222	278	6	rated	rate	VERB
fsr-3222	278	7	the	the	DET
fsr-3222	278	8	simple	simple	ADJ
fsr-3222	278	9	disclosure	disclosure	NOUN
fsr-3222	278	10	as	as	ADP
fsr-3222	278	11	very	very	ADV
fsr-3222	278	12	easy	easy	ADJ
fsr-3222	278	13	(	(	PUNCT
fsr-3222	278	14	1–3	1–3	NOUN
fsr-3222	278	15	on	on	ADP
fsr-3222	278	16	a	a	DET
fsr-3222	278	17	scale	scale	NOUN
fsr-3222	278	18	from	from	ADP
fsr-3222	278	19	1	1	NUM
fsr-3222	278	20	to	to	ADP
fsr-3222	278	21	10	10	NUM
fsr-3222	278	22	)	)	PUNCT
fsr-3222	278	23	,	,	PUNCT
fsr-3222	278	24	only	only	ADV
fsr-3222	278	25	24	24	NUM
fsr-3222	278	26	%	%	NOUN
fsr-3222	278	27	rated	rate	VERB
fsr-3222	278	28	the	the	DET
fsr-3222	278	29	complex	complex	ADJ
fsr-3222	278	30	disclosure	disclosure	NOUN
fsr-3222	278	31	as	as	ADP
fsr-3222	278	32	such	such	ADJ
fsr-3222	278	33	.	.	PUNCT
fsr-3222	279	1	furthermore	furthermore	ADV
fsr-3222	279	2	,	,	PUNCT
fsr-3222	279	3	while	while	SCONJ
fsr-3222	279	4	approximately	approximately	ADV
fsr-3222	279	5	10	10	NUM
fsr-3222	279	6	%	%	NOUN
fsr-3222	279	7	rated	rate	VERB
fsr-3222	279	8	the	the	DET
fsr-3222	279	9	simple	simple	ADJ
fsr-3222	279	10	disclosure	disclosure	NOUN
fsr-3222	279	11	as	as	ADP
fsr-3222	279	12	a	a	DET
fsr-3222	279	13	9	9	NUM
fsr-3222	279	14	or	or	CCONJ
fsr-3222	279	15	10	10	NUM
fsr-3222	279	16	(	(	PUNCT
fsr-3222	279	17	most	most	ADV
fsr-3222	279	18	difficult	difficult	ADJ
fsr-3222	279	19	)	)	PUNCT
fsr-3222	279	20	,	,	PUNCT
fsr-3222	279	21	18	18	NUM
fsr-3222	279	22	%	%	NOUN
fsr-3222	279	23	rated	rate	VERB
fsr-3222	279	24	the	the	DET
fsr-3222	279	25	complex	complex	ADJ
fsr-3222	279	26	one	one	NUM
fsr-3222	279	27	as	as	ADP
fsr-3222	279	28	such	such	ADJ
fsr-3222	279	29	.	.	PUNCT
fsr-3222	280	1	thus	thus	ADV
fsr-3222	280	2	,	,	PUNCT
fsr-3222	280	3	our	our	PRON
fsr-3222	280	4	findings	finding	NOUN
fsr-3222	280	5	are	be	AUX
fsr-3222	280	6	consistent	consistent	ADJ
fsr-3222	280	7	with	with	ADP
fsr-3222	280	8	earlier	early	ADJ
fsr-3222	280	9	studies	study	NOUN
fsr-3222	280	10	finding	find	VERB
fsr-3222	280	11	heterogeneity	heterogeneity	NOUN
fsr-3222	280	12	in	in	ADP
fsr-3222	280	13	the	the	DET
fsr-3222	280	14	ability	ability	NOUN
fsr-3222	280	15	of	of	ADP
fsr-3222	280	16	people	people	NOUN
fsr-3222	280	17	to	to	PART
fsr-3222	280	18	deal	deal	VERB
fsr-3222	280	19	with	with	ADP
fsr-3222	280	20	complexity	complexity	NOUN
fsr-3222	280	21	in	in	ADP
fsr-3222	280	22	financial	financial	ADJ
fsr-3222	280	23	issues	issue	NOUN
fsr-3222	280	24	.	.	PUNCT
fsr-3222	281	1	8	8	X
fsr-3222	281	2	.	.	X
fsr-3222	281	3	logit	logit	NOUN
fsr-3222	281	4	analysis	analysis	NOUN
fsr-3222	281	5	we	we	PRON
fsr-3222	281	6	also	also	ADV
fsr-3222	281	7	ran	run	VERB
fsr-3222	281	8	logit	logit	NOUN
fsr-3222	281	9	regressions	regression	NOUN
fsr-3222	281	10	to	to	PART
fsr-3222	281	11	examine	examine	VERB
fsr-3222	281	12	what	what	PRON
fsr-3222	281	13	characteristics	characteristic	NOUN
fsr-3222	281	14	of	of	ADP
fsr-3222	281	15	the	the	DET
fsr-3222	281	16	student	student	NOUN
fsr-3222	281	17	were	be	AUX
fsr-3222	281	18	correlated	correlate	VERB
fsr-3222	281	19	with	with	ADP
fsr-3222	281	20	a	a	DET
fsr-3222	281	21	correct	correct	ADJ
fsr-3222	281	22	fee	fee	NOUN
fsr-3222	281	23	calculation	calculation	NOUN
fsr-3222	281	24	for	for	ADP
fsr-3222	281	25	the	the	DET
fsr-3222	281	26	simple	simple	ADJ
fsr-3222	281	27	fee	fee	NOUN
fsr-3222	281	28	disclosure	disclosure	NOUN
fsr-3222	281	29	and	and	CCONJ
fsr-3222	281	30	for	for	ADP
fsr-3222	281	31	the	the	DET
fsr-3222	281	32	complex	complex	ADJ
fsr-3222	281	33	table	table	NOUN
fsr-3222	281	34	5	5	NUM
fsr-3222	281	35	student	student	NOUN
fsr-3222	281	36	responses	response	NOUN
fsr-3222	281	37	to	to	ADP
fsr-3222	281	38	questions	question	NOUN
fsr-3222	281	39	calculating	calculate	VERB
fsr-3222	281	40	the	the	DET
fsr-3222	281	41	amount	amount	NOUN
fsr-3222	281	42	of	of	ADP
fsr-3222	281	43	fees	fee	NOUN
fsr-3222	281	44	,	,	PUNCT
fsr-3222	281	45	in	in	ADP
fsr-3222	281	46	percentages	percentage	NOUN
fsr-3222	281	47	response	response	VERB
fsr-3222	281	48	simple	simple	ADJ
fsr-3222	281	49	disclosure	disclosure	NOUN
fsr-3222	281	50	(	(	PUNCT
fsr-3222	281	51	percent	percent	NOUN
fsr-3222	281	52	)	)	PUNCT
fsr-3222	281	53	complex	complex	ADJ
fsr-3222	281	54	disclosure	disclosure	NOUN
fsr-3222	281	55	(	(	PUNCT
fsr-3222	281	56	percent	percent	NOUN
fsr-3222	281	57	)	)	PUNCT
fsr-3222	281	58	ca	can	AUX
fsr-3222	281	59	n’t	not	PART
fsr-3222	281	60	tell	tell	VERB
fsr-3222	281	61	from	from	ADP
fsr-3222	281	62	information	information	NOUN
fsr-3222	281	63	provided	provide	VERB
fsr-3222	281	64	14.8	14.8	NUM
fsr-3222	281	65	10.2	10.2	NUM
fsr-3222	281	66	answer	answer	NOUN
fsr-3222	281	67	given	give	VERB
fsr-3222	281	68	,	,	PUNCT
fsr-3222	281	69	correct	correct	ADJ
fsr-3222	281	70	49.8	49.8	NUM
fsr-3222	281	71	15.0	15.0	NUM
fsr-3222	281	72	answer	answer	NOUN
fsr-3222	281	73	given	give	VERB
fsr-3222	281	74	,	,	PUNCT
fsr-3222	281	75	incorrect	incorrect	ADJ
fsr-3222	281	76	11.3	11.3	NUM
fsr-3222	281	77	29.8	29.8	NUM
fsr-3222	281	78	do	do	AUX
fsr-3222	281	79	n’t	not	PART
fsr-3222	281	80	know	know	VERB
fsr-3222	281	81	24.1	24.1	NUM
fsr-3222	281	82	45.0	45.0	NUM
fsr-3222	281	83	total	total	NOUN
fsr-3222	281	84	100.0	100.0	NUM
fsr-3222	281	85	100.0	100.0	NUM
fsr-3222	281	86	number	number	NOUN
fsr-3222	281	87	of	of	ADP
fsr-3222	281	88	responses	response	NOUN
fsr-3222	281	89	576	576	NUM
fsr-3222	281	90	618	618	NUM
fsr-3222	281	91	source	source	NOUN
fsr-3222	281	92	:	:	PUNCT
fsr-3222	281	93	authors	author	NOUN
fsr-3222	281	94	’	'	PUNCT
fsr-3222	281	95	tabulations	tabulation	NOUN
fsr-3222	281	96	from	from	ADP
fsr-3222	281	97	survey	survey	NOUN
fsr-3222	281	98	.	.	PUNCT
fsr-3222	282	1	simple	simple	ADJ
fsr-3222	282	2	disclosure	disclosure	NOUN
fsr-3222	282	3	is	be	AUX
fsr-3222	282	4	question	question	NOUN
fsr-3222	282	5	5a	5a	NUM
fsr-3222	282	6	;	;	PUNCT
fsr-3222	282	7	complex	complex	ADJ
fsr-3222	282	8	disclosure	disclosure	NOUN
fsr-3222	282	9	is	be	AUX
fsr-3222	282	10	question	question	NOUN
fsr-3222	282	11	6a	6a	NOUN
fsr-3222	282	12	(	(	PUNCT
fsr-3222	282	13	see	see	VERB
fsr-3222	282	14	appendix	appendix	NOUN
fsr-3222	282	15	2	2	NUM
fsr-3222	282	16	)	)	PUNCT
fsr-3222	282	17	.	.	PUNCT
fsr-3222	283	1	table	table	NOUN
fsr-3222	283	2	6	6	NUM
fsr-3222	283	3	rating	rating	NOUN
fsr-3222	283	4	the	the	DET
fsr-3222	283	5	difficulty	difficulty	NOUN
fsr-3222	283	6	of	of	ADP
fsr-3222	283	7	financial	financial	ADJ
fsr-3222	283	8	disclosures	disclosure	NOUN
fsr-3222	283	9	student	student	NOUN
fsr-3222	283	10	rating	rating	NOUN
fsr-3222	283	11	of	of	ADP
fsr-3222	283	12	the	the	DET
fsr-3222	283	13	complexity	complexity	NOUN
fsr-3222	283	14	of	of	ADP
fsr-3222	283	15	the	the	DET
fsr-3222	283	16	fee	fee	NOUN
fsr-3222	283	17	disclosure	disclosure	NOUN
fsr-3222	283	18	simple	simple	ADJ
fsr-3222	283	19	disclosure	disclosure	NOUN
fsr-3222	283	20	complex	complex	ADJ
fsr-3222	283	21	disclosure	disclosure	NOUN
fsr-3222	283	22	percent	percent	NOUN
fsr-3222	283	23	cumulative	cumulative	ADJ
fsr-3222	283	24	percent	percent	NOUN
fsr-3222	283	25	percent	percent	NOUN
fsr-3222	283	26	cumulative	cumulative	ADJ
fsr-3222	283	27	percentage	percentage	NOUN
fsr-3222	283	28	1–3	1–3	NUM
fsr-3222	283	29	40.4	40.4	NUM
fsr-3222	283	30	40.4	40.4	NUM
fsr-3222	283	31	23.5	23.5	NUM
fsr-3222	283	32	23.5	23.5	NUM
fsr-3222	283	33	4–5	4–5	NUM
fsr-3222	283	34	24.1	24.1	NUM
fsr-3222	283	35	64.5	64.5	NUM
fsr-3222	283	36	20.5	20.5	NUM
fsr-3222	283	37	44.0	44.0	NUM
fsr-3222	283	38	6–8	6–8	NUM
fsr-3222	283	39	25.7	25.7	NUM
fsr-3222	283	40	90.2	90.2	NUM
fsr-3222	283	41	38.3	38.3	NUM
fsr-3222	283	42	82.3	82.3	NUM
fsr-3222	283	43	9–10	9–10	NOUN
fsr-3222	283	44	9.8	9.8	NUM
fsr-3222	283	45	100.0	100.0	NUM
fsr-3222	283	46	17.7	17.7	NUM
fsr-3222	283	47	100.0	100.0	NUM
fsr-3222	283	48	total	total	NOUN
fsr-3222	283	49	100.0	100.0	NUM
fsr-3222	283	50	–	–	PUNCT
fsr-3222	283	51	100.0	100.0	NUM
fsr-3222	283	52	–	–	PUNCT
fsr-3222	283	53	number	number	NOUN
fsr-3222	283	54	of	of	ADP
fsr-3222	283	55	responses	response	NOUN
fsr-3222	283	56	618	618	NUM
fsr-3222	283	57	–	–	PUNCT
fsr-3222	283	58	611	611	NUM
fsr-3222	283	59	–	–	PUNCT
fsr-3222	283	60	source	source	NOUN
fsr-3222	283	61	:	:	PUNCT
fsr-3222	283	62	authors	author	NOUN
fsr-3222	283	63	’	'	PUNCT
fsr-3222	283	64	tabulations	tabulation	NOUN
fsr-3222	283	65	from	from	ADP
fsr-3222	283	66	survey	survey	NOUN
fsr-3222	283	67	.	.	PUNCT
fsr-3222	284	1	ratings	rating	NOUN
fsr-3222	284	2	range	range	VERB
fsr-3222	284	3	from	from	ADP
fsr-3222	284	4	1	1	NUM
fsr-3222	284	5	(	(	PUNCT
fsr-3222	284	6	easiest	easy	ADJ
fsr-3222	284	7	)	)	PUNCT
fsr-3222	284	8	to	to	ADP
fsr-3222	284	9	10	10	NUM
fsr-3222	284	10	(	(	PUNCT
fsr-3222	284	11	most	most	ADV
fsr-3222	284	12	difficult	difficult	ADJ
fsr-3222	284	13	)	)	PUNCT
fsr-3222	284	14	.	.	PUNCT
fsr-3222	285	1	simple	simple	ADJ
fsr-3222	285	2	disclosure	disclosure	NOUN
fsr-3222	285	3	is	be	AUX
fsr-3222	285	4	question	question	NOUN
fsr-3222	285	5	5b	5b	NUM
fsr-3222	285	6	;	;	PUNCT
fsr-3222	285	7	complex	complex	ADJ
fsr-3222	285	8	disclosure	disclosure	NOUN
fsr-3222	285	9	is	be	AUX
fsr-3222	285	10	question	question	NOUN
fsr-3222	285	11	6b	6b	NOUN
fsr-3222	285	12	(	(	PUNCT
fsr-3222	285	13	see	see	VERB
fsr-3222	285	14	appendix	appendix	NOUN
fsr-3222	285	15	2	2	NUM
fsr-3222	285	16	)	)	PUNCT
fsr-3222	285	17	.	.	PUNCT
fsr-3222	286	1	227l.a	227l.a	ADJ
fsr-3222	286	2	.	.	PUNCT
fsr-3222	287	1	muller	muller	PROPN
fsr-3222	287	2	,	,	PUNCT
fsr-3222	287	3	j.a	j.a	PROPN
fsr-3222	287	4	.	.	PROPN
fsr-3222	287	5	turner	turner	PROPN
fsr-3222	287	6	/	/	SYM
fsr-3222	287	7	financial	financial	ADJ
fsr-3222	287	8	services	service	NOUN
fsr-3222	287	9	review	review	VERB
fsr-3222	287	10	25	25	NUM
fsr-3222	287	11	(	(	PUNCT
fsr-3222	287	12	2016	2016	NUM
fsr-3222	287	13	)	)	PUNCT
fsr-3222	287	14	215–234	215–234	NUM
fsr-3222	287	15	disclosure	disclosure	NOUN
fsr-3222	287	16	.	.	PUNCT
fsr-3222	288	1	this	this	DET
fsr-3222	288	2	analysis	analysis	NOUN
fsr-3222	288	3	provides	provide	VERB
fsr-3222	288	4	insights	insight	NOUN
fsr-3222	288	5	as	as	ADP
fsr-3222	288	6	to	to	ADP
fsr-3222	288	7	the	the	DET
fsr-3222	288	8	effect	effect	NOUN
fsr-3222	288	9	of	of	ADP
fsr-3222	288	10	complexity	complexity	NOUN
fsr-3222	288	11	on	on	ADP
fsr-3222	288	12	the	the	DET
fsr-3222	288	13	ability	ability	NOUN
fsr-3222	288	14	to	to	PART
fsr-3222	288	15	correctly	correctly	ADV
fsr-3222	288	16	determine	determine	VERB
fsr-3222	288	17	a	a	DET
fsr-3222	288	18	price	price	NOUN
fsr-3222	288	19	,	,	PUNCT
fsr-3222	288	20	which	which	PRON
fsr-3222	288	21	is	be	AUX
fsr-3222	288	22	the	the	DET
fsr-3222	288	23	fee	fee	NOUN
fsr-3222	288	24	charged	charge	VERB
fsr-3222	288	25	for	for	ADP
fsr-3222	288	26	financial	financial	ADJ
fsr-3222	288	27	advice	advice	NOUN
fsr-3222	288	28	.	.	PUNCT
fsr-3222	289	1	the	the	DET
fsr-3222	289	2	marginal	marginal	ADJ
fsr-3222	289	3	effects	effect	NOUN
fsr-3222	289	4	are	be	AUX
fsr-3222	289	5	reported	report	VERB
fsr-3222	289	6	in	in	ADP
fsr-3222	289	7	table	table	NOUN
fsr-3222	289	8	7	7	NUM
fsr-3222	289	9	for	for	ADP
fsr-3222	289	10	both	both	DET
fsr-3222	289	11	regressions	regression	NOUN
fsr-3222	289	12	.	.	PUNCT
fsr-3222	290	1	in	in	ADP
fsr-3222	290	2	both	both	DET
fsr-3222	290	3	models	model	NOUN
fsr-3222	290	4	,	,	PUNCT
fsr-3222	290	5	age	age	NOUN
fsr-3222	290	6	and	and	CCONJ
fsr-3222	290	7	whether	whether	SCONJ
fsr-3222	290	8	the	the	DET
fsr-3222	290	9	student	student	NOUN
fsr-3222	290	10	is	be	AUX
fsr-3222	290	11	a	a	DET
fsr-3222	290	12	native	native	ADJ
fsr-3222	290	13	english	english	ADJ
fsr-3222	290	14	speaker	speaker	NOUN
fsr-3222	290	15	are	be	AUX
fsr-3222	290	16	both	both	PRON
fsr-3222	290	17	statistically	statistically	ADV
fsr-3222	290	18	insignificant	insignificant	ADJ
fsr-3222	290	19	.	.	PUNCT
fsr-3222	291	1	for	for	ADP
fsr-3222	291	2	the	the	DET
fsr-3222	291	3	simple	simple	ADJ
fsr-3222	291	4	fee	fee	NOUN
fsr-3222	291	5	disclosure	disclosure	NOUN
fsr-3222	291	6	,	,	PUNCT
fsr-3222	291	7	men	man	NOUN
fsr-3222	291	8	and	and	CCONJ
fsr-3222	291	9	women	woman	NOUN
fsr-3222	291	10	are	be	AUX
fsr-3222	291	11	equally	equally	ADV
fsr-3222	291	12	likely	likely	ADJ
fsr-3222	291	13	to	to	PART
fsr-3222	291	14	provide	provide	VERB
fsr-3222	291	15	the	the	DET
fsr-3222	291	16	correct	correct	ADJ
fsr-3222	291	17	answer	answer	NOUN
fsr-3222	291	18	.	.	PUNCT
fsr-3222	292	1	however	however	ADV
fsr-3222	292	2	,	,	PUNCT
fsr-3222	292	3	for	for	ADP
fsr-3222	292	4	the	the	DET
fsr-3222	292	5	complex	complex	ADJ
fsr-3222	292	6	disclosure	disclosure	NOUN
fsr-3222	292	7	,	,	PUNCT
fsr-3222	292	8	men	man	NOUN
fsr-3222	292	9	are	be	AUX
fsr-3222	292	10	8	8	NUM
fsr-3222	292	11	%	%	NOUN
fsr-3222	292	12	more	more	ADV
fsr-3222	292	13	likely	likely	ADJ
fsr-3222	292	14	to	to	PART
fsr-3222	292	15	correctly	correctly	ADV
fsr-3222	292	16	compute	compute	VERB
fsr-3222	292	17	the	the	DET
fsr-3222	292	18	fee	fee	NOUN
fsr-3222	292	19	than	than	SCONJ
fsr-3222	292	20	were	be	AUX
fsr-3222	292	21	women	woman	NOUN
fsr-3222	292	22	.	.	PUNCT
fsr-3222	293	1	other	other	ADJ
fsr-3222	293	2	studies	study	NOUN
fsr-3222	293	3	show	show	VERB
fsr-3222	293	4	that	that	SCONJ
fsr-3222	293	5	women	woman	NOUN
fsr-3222	293	6	tend	tend	VERB
fsr-3222	293	7	to	to	PART
fsr-3222	293	8	have	have	VERB
fsr-3222	293	9	lower	low	ADJ
fsr-3222	293	10	financial	financial	ADJ
fsr-3222	293	11	literacy	literacy	NOUN
fsr-3222	293	12	than	than	ADP
fsr-3222	293	13	men	man	NOUN
fsr-3222	293	14	(	(	PUNCT
fsr-3222	293	15	lusardi	lusardi	PROPN
fsr-3222	293	16	and	and	CCONJ
fsr-3222	293	17	mitchell	mitchell	PROPN
fsr-3222	293	18	,	,	PUNCT
fsr-3222	293	19	2008	2008	NUM
fsr-3222	293	20	)	)	PUNCT
fsr-3222	293	21	.	.	PUNCT
fsr-3222	294	1	we	we	PRON
fsr-3222	294	2	are	be	AUX
fsr-3222	294	3	especially	especially	ADV
fsr-3222	294	4	interested	interested	ADJ
fsr-3222	294	5	in	in	ADP
fsr-3222	294	6	whether	whether	SCONJ
fsr-3222	294	7	the	the	DET
fsr-3222	294	8	student	student	NOUN
fsr-3222	294	9	’s	’s	PART
fsr-3222	294	10	major	major	NOUN
fsr-3222	294	11	has	have	AUX
fsr-3222	294	12	an	an	DET
fsr-3222	294	13	effect	effect	NOUN
fsr-3222	294	14	on	on	ADP
fsr-3222	294	15	whether	whether	SCONJ
fsr-3222	294	16	he	he	PRON
fsr-3222	294	17	or	or	CCONJ
fsr-3222	294	18	she	she	PRON
fsr-3222	294	19	answered	answer	VERB
fsr-3222	294	20	the	the	DET
fsr-3222	294	21	question	question	NOUN
fsr-3222	294	22	correctly	correctly	ADV
fsr-3222	294	23	,	,	PUNCT
fsr-3222	294	24	as	as	SCONJ
fsr-3222	294	25	courses	course	NOUN
fsr-3222	294	26	related	relate	VERB
fsr-3222	294	27	to	to	ADP
fsr-3222	294	28	financial	financial	ADJ
fsr-3222	294	29	decision	decision	NOUN
fsr-3222	294	30	making	make	VERB
fsr-3222	294	31	are	be	AUX
fsr-3222	294	32	one	one	NUM
fsr-3222	294	33	of	of	ADP
fsr-3222	294	34	the	the	DET
fsr-3222	294	35	ways	way	NOUN
fsr-3222	294	36	a	a	DET
fsr-3222	294	37	person	person	NOUN
fsr-3222	294	38	can	can	AUX
fsr-3222	294	39	develop	develop	VERB
fsr-3222	294	40	financial	financial	ADJ
fsr-3222	294	41	sophistication	sophistication	NOUN
fsr-3222	294	42	.	.	PUNCT
fsr-3222	295	1	hence	hence	ADV
fsr-3222	295	2	course	course	VERB
fsr-3222	295	3	major	major	NOUN
fsr-3222	295	4	can	can	AUX
fsr-3222	295	5	serve	serve	VERB
fsr-3222	295	6	as	as	ADP
fsr-3222	295	7	a	a	DET
fsr-3222	295	8	proxy	proxy	NOUN
fsr-3222	295	9	of	of	ADP
fsr-3222	295	10	financial	financial	ADJ
fsr-3222	295	11	sophistication	sophistication	NOUN
fsr-3222	295	12	.	.	PUNCT
fsr-3222	296	1	accounting	accounting	NOUN
fsr-3222	296	2	and	and	CCONJ
fsr-3222	296	3	finance	finance	NOUN
fsr-3222	296	4	majors	major	NOUN
fsr-3222	296	5	are	be	AUX
fsr-3222	296	6	the	the	DET
fsr-3222	296	7	most	most	ADV
fsr-3222	296	8	likely	likely	ADJ
fsr-3222	296	9	group	group	NOUN
fsr-3222	296	10	to	to	PART
fsr-3222	296	11	have	have	VERB
fsr-3222	296	12	specifically	specifically	ADV
fsr-3222	296	13	studied	study	VERB
fsr-3222	296	14	fee	fee	NOUN
fsr-3222	296	15	disclosure	disclosure	NOUN
fsr-3222	296	16	.	.	PUNCT
fsr-3222	297	1	in	in	ADP
fsr-3222	297	2	addition	addition	NOUN
fsr-3222	297	3	,	,	PUNCT
fsr-3222	297	4	mba	mba	NOUN
fsr-3222	297	5	students	student	NOUN
fsr-3222	297	6	are	be	AUX
fsr-3222	297	7	also	also	ADV
fsr-3222	297	8	exposed	expose	VERB
fsr-3222	297	9	to	to	ADP
fsr-3222	297	10	higher	high	ADJ
fsr-3222	297	11	-	-	PUNCT
fsr-3222	297	12	level	level	NOUN
fsr-3222	297	13	accounting	accounting	NOUN
fsr-3222	297	14	and	and	CCONJ
fsr-3222	297	15	finance	finance	NOUN
fsr-3222	297	16	material	material	NOUN
fsr-3222	297	17	that	that	PRON
fsr-3222	297	18	may	may	AUX
fsr-3222	297	19	aid	aid	VERB
fsr-3222	297	20	them	they	PRON
fsr-3222	297	21	in	in	ADP
fsr-3222	297	22	answering	answer	VERB
fsr-3222	297	23	the	the	DET
fsr-3222	297	24	questions	question	NOUN
fsr-3222	297	25	.	.	PUNCT
fsr-3222	298	1	mba	mba	NOUN
fsr-3222	298	2	students	student	NOUN
fsr-3222	298	3	tend	tend	VERB
fsr-3222	298	4	to	to	PART
fsr-3222	298	5	be	be	AUX
fsr-3222	298	6	older	old	ADJ
fsr-3222	298	7	and	and	CCONJ
fsr-3222	298	8	have	have	AUX
fsr-3222	298	9	had	have	VERB
fsr-3222	298	10	experience	experience	NOUN
fsr-3222	298	11	in	in	ADP
fsr-3222	298	12	financial	financial	ADJ
fsr-3222	298	13	decision	decision	NOUN
fsr-3222	298	14	making	making	NOUN
fsr-3222	298	15	,	,	PUNCT
fsr-3222	298	16	so	so	SCONJ
fsr-3222	298	17	they	they	PRON
fsr-3222	298	18	may	may	AUX
fsr-3222	298	19	be	be	AUX
fsr-3222	298	20	even	even	ADV
fsr-3222	298	21	more	more	ADV
fsr-3222	298	22	financially	financially	ADV
fsr-3222	298	23	sophisticated	sophisticated	ADJ
fsr-3222	298	24	than	than	ADP
fsr-3222	298	25	the	the	DET
fsr-3222	298	26	undergraduates	undergraduate	NOUN
fsr-3222	298	27	.	.	PUNCT
fsr-3222	299	1	however	however	ADV
fsr-3222	299	2	,	,	PUNCT
fsr-3222	299	3	since	since	SCONJ
fsr-3222	299	4	we	we	PRON
fsr-3222	299	5	are	be	AUX
fsr-3222	299	6	not	not	PART
fsr-3222	299	7	able	able	ADJ
fsr-3222	299	8	to	to	PART
fsr-3222	299	9	disentangle	disentangle	VERB
fsr-3222	299	10	the	the	DET
fsr-3222	299	11	effects	effect	NOUN
fsr-3222	299	12	of	of	ADP
fsr-3222	299	13	this	this	DET
fsr-3222	299	14	aspect	aspect	NOUN
fsr-3222	299	15	of	of	ADP
fsr-3222	299	16	sophistication	sophistication	NOUN
fsr-3222	299	17	from	from	ADP
fsr-3222	299	18	the	the	DET
fsr-3222	299	19	knowledge	knowledge	NOUN
fsr-3222	299	20	they	they	PRON
fsr-3222	299	21	gain	gain	VERB
fsr-3222	299	22	in	in	ADP
fsr-3222	299	23	the	the	DET
fsr-3222	299	24	mba	mba	NOUN
fsr-3222	299	25	program	program	NOUN
fsr-3222	299	26	,	,	PUNCT
fsr-3222	299	27	we	we	PRON
fsr-3222	299	28	can	can	AUX
fsr-3222	299	29	not	not	PART
fsr-3222	299	30	assume	assume	VERB
fsr-3222	299	31	that	that	SCONJ
fsr-3222	299	32	the	the	DET
fsr-3222	299	33	mba	mba	NOUN
fsr-3222	299	34	variable	variable	NOUN
fsr-3222	299	35	is	be	AUX
fsr-3222	299	36	a	a	DET
fsr-3222	299	37	proxy	proxy	NOUN
fsr-3222	299	38	of	of	ADP
fsr-3222	299	39	only	only	ADJ
fsr-3222	299	40	coursework	coursework	NOUN
fsr-3222	299	41	.	.	PUNCT
fsr-3222	300	1	the	the	DET
fsr-3222	300	2	remaining	remain	VERB
fsr-3222	300	3	business	business	NOUN
fsr-3222	300	4	majors	major	NOUN
fsr-3222	300	5	—	—	PUNCT
fsr-3222	300	6	marketing	marketing	NOUN
fsr-3222	300	7	,	,	PUNCT
fsr-3222	300	8	management	management	NOUN
fsr-3222	300	9	,	,	PUNCT
fsr-3222	300	10	and	and	CCONJ
fsr-3222	300	11	general	general	ADJ
fsr-3222	300	12	business	business	NOUN
fsr-3222	300	13	—	—	PUNCT
fsr-3222	300	14	have	have	AUX
fsr-3222	300	15	had	have	VERB
fsr-3222	300	16	exposure	exposure	NOUN
fsr-3222	300	17	to	to	ADP
fsr-3222	300	18	business	business	NOUN
fsr-3222	300	19	terminology	terminology	NOUN
fsr-3222	300	20	and	and	CCONJ
fsr-3222	300	21	may	may	AUX
fsr-3222	300	22	have	have	AUX
fsr-3222	300	23	had	have	VERB
fsr-3222	300	24	accounting	accounting	NOUN
fsr-3222	300	25	or	or	CCONJ
fsr-3222	300	26	finance	finance	NOUN
fsr-3222	300	27	classes	class	NOUN
fsr-3222	300	28	,	,	PUNCT
fsr-3222	300	29	but	but	CCONJ
fsr-3222	300	30	not	not	PART
fsr-3222	300	31	studied	study	VERB
fsr-3222	300	32	fee	fee	NOUN
fsr-3222	300	33	-	-	PUNCT
fsr-3222	300	34	disclosure	disclosure	NOUN
fsr-3222	300	35	type	type	NOUN
fsr-3222	300	36	problems	problem	NOUN
fsr-3222	300	37	extensively	extensively	ADV
fsr-3222	300	38	.	.	PUNCT
fsr-3222	301	1	economics	economic	NOUN
fsr-3222	301	2	and	and	CCONJ
fsr-3222	301	3	nonbusiness	nonbusiness	NOUN
fsr-3222	301	4	majors	major	NOUN
fsr-3222	301	5	with	with	ADP
fsr-3222	301	6	math	math	NOUN
fsr-3222	301	7	-	-	PUNCT
fsr-3222	301	8	intensive	intensive	ADJ
fsr-3222	301	9	concentrations	concentration	NOUN
fsr-3222	301	10	(	(	PUNCT
fsr-3222	301	11	e.g.	e.g.	ADV
fsr-3222	301	12	,	,	PUNCT
fsr-3222	301	13	engineering	engineering	NOUN
fsr-3222	301	14	or	or	CCONJ
fsr-3222	301	15	statistics	statistic	NOUN
fsr-3222	301	16	)	)	PUNCT
fsr-3222	301	17	may	may	AUX
fsr-3222	301	18	not	not	PART
fsr-3222	301	19	have	have	AUX
fsr-3222	301	20	had	have	VERB
fsr-3222	301	21	the	the	DET
fsr-3222	301	22	exposure	exposure	NOUN
fsr-3222	301	23	to	to	ADP
fsr-3222	301	24	business	business	NOUN
fsr-3222	301	25	terms	term	NOUN
fsr-3222	301	26	,	,	PUNCT
fsr-3222	301	27	but	but	CCONJ
fsr-3222	301	28	may	may	AUX
fsr-3222	301	29	have	have	VERB
fsr-3222	301	30	the	the	DET
fsr-3222	301	31	mathematical	mathematical	ADJ
fsr-3222	301	32	capability	capability	NOUN
fsr-3222	301	33	to	to	PART
fsr-3222	301	34	compute	compute	VERB
fsr-3222	301	35	the	the	DET
fsr-3222	301	36	fees	fee	NOUN
fsr-3222	301	37	.	.	PUNCT
fsr-3222	302	1	the	the	DET
fsr-3222	302	2	last	last	ADJ
fsr-3222	302	3	group	group	NOUN
fsr-3222	302	4	—	—	PUNCT
fsr-3222	302	5	and	and	CCONJ
fsr-3222	302	6	omitted	omit	VERB
fsr-3222	302	7	category	category	NOUN
fsr-3222	302	8	in	in	ADP
fsr-3222	302	9	the	the	DET
fsr-3222	302	10	regression	regression	NOUN
fsr-3222	302	11	—	—	PUNCT
fsr-3222	302	12	is	be	AUX
fsr-3222	302	13	students	student	NOUN
fsr-3222	302	14	who	who	PRON
fsr-3222	302	15	have	have	VERB
fsr-3222	302	16	a	a	DET
fsr-3222	302	17	nonbusiness	nonbusiness	NOUN
fsr-3222	302	18	,	,	PUNCT
fsr-3222	302	19	non	non	ADJ
fsr-3222	302	20	-	-	ADJ
fsr-3222	302	21	math	math	ADJ
fsr-3222	302	22	intensive	intensive	ADJ
fsr-3222	302	23	major	major	NOUN
fsr-3222	302	24	(	(	PUNCT
fsr-3222	302	25	e.g.	e.g.	ADJ
fsr-3222	302	26	,	,	PUNCT
fsr-3222	302	27	elementary	elementary	ADJ
fsr-3222	302	28	education	education	NOUN
fsr-3222	302	29	or	or	CCONJ
fsr-3222	302	30	sociology	sociology	NOUN
fsr-3222	302	31	)	)	PUNCT
fsr-3222	302	32	.	.	PUNCT
fsr-3222	303	1	these	these	DET
fsr-3222	303	2	table	table	NOUN
fsr-3222	303	3	7	7	NUM
fsr-3222	303	4	logit	logit	NOUN
fsr-3222	303	5	analysis	analysis	NOUN
fsr-3222	303	6	characteristic	characteristic	ADJ
fsr-3222	303	7	low	low	ADJ
fsr-3222	303	8	fee	fee	NOUN
fsr-3222	303	9	–	–	PUNCT
fsr-3222	303	10	correct	correct	ADJ
fsr-3222	303	11	answer	answer	NOUN
fsr-3222	303	12	high	high	ADJ
fsr-3222	303	13	fee	fee	NOUN
fsr-3222	303	14	–	–	PUNCT
fsr-3222	303	15	correct	correct	ADJ
fsr-3222	303	16	answer	answer	NOUN
fsr-3222	303	17	age	age	NOUN
fsr-3222	303	18	over	over	ADP
fsr-3222	303	19	25	25	NUM
fsr-3222	303	20	.04	.04	NUM
fsr-3222	303	21	(	(	PUNCT
fsr-3222	303	22	.07	.07	NUM
fsr-3222	303	23	)	)	PUNCT
fsr-3222	303	24	.06	.06	NUM
fsr-3222	303	25	(	(	PUNCT
fsr-3222	303	26	.05	.05	NUM
fsr-3222	303	27	)	)	PUNCT
fsr-3222	303	28	male	male	NOUN
fsr-3222	303	29	.01	.01	NUM
fsr-3222	303	30	(	(	PUNCT
fsr-3222	303	31	.05	.05	NUM
fsr-3222	303	32	)	)	PUNCT
fsr-3222	303	33	.08	.08	NUM
fsr-3222	303	34	(	(	PUNCT
fsr-3222	303	35	.03	.03	NUM
fsr-3222	303	36	)	)	PUNCT
fsr-3222	303	37	*	*	PUNCT
fsr-3222	304	1	*	*	PUNCT
fsr-3222	304	2	native	native	ADJ
fsr-3222	304	3	english	english	ADJ
fsr-3222	304	4	speaker	speaker	NOUN
fsr-3222	304	5	.19	.19	NUM
fsr-3222	304	6	(	(	PUNCT
fsr-3222	304	7	.10	.10	NUM
fsr-3222	304	8	)	)	PUNCT
fsr-3222	304	9	.03	.03	NUM
fsr-3222	304	10	(	(	PUNCT
fsr-3222	304	11	.05	.05	NUM
fsr-3222	304	12	)	)	PUNCT
fsr-3222	304	13	major	major	NOUN
fsr-3222	304	14	:	:	PUNCT
fsr-3222	304	15	accounting	account	VERB
fsr-3222	304	16	.30	.30	NUM
fsr-3222	304	17	(	(	PUNCT
fsr-3222	304	18	.07	.07	NUM
fsr-3222	304	19	)	)	PUNCT
fsr-3222	304	20	*	*	PUNCT
fsr-3222	305	1	*	*	PUNCT
fsr-3222	305	2	.33	.33	NUM
fsr-3222	305	3	(	(	PUNCT
fsr-3222	305	4	.15	.15	NUM
fsr-3222	305	5	)	)	PUNCT
fsr-3222	305	6	*	*	PUNCT
fsr-3222	305	7	economics	economic	NOUN
fsr-3222	305	8	.14	.14	NUM
fsr-3222	305	9	(	(	PUNCT
fsr-3222	305	10	.11	.11	NUM
fsr-3222	305	11	)	)	PUNCT
fsr-3222	305	12	.07	.07	NUM
fsr-3222	305	13	(	(	PUNCT
fsr-3222	305	14	.14	.14	NUM
fsr-3222	305	15	)	)	PUNCT
fsr-3222	305	16	finance	finance	NOUN
fsr-3222	305	17	.25	.25	NUM
fsr-3222	305	18	(	(	PUNCT
fsr-3222	305	19	.08	.08	NUM
fsr-3222	305	20	)	)	PUNCT
fsr-3222	305	21	*	*	PUNCT
fsr-3222	306	1	*	*	PUNCT
fsr-3222	306	2	.23	.23	NUM
fsr-3222	306	3	(	(	PUNCT
fsr-3222	306	4	.15	.15	NUM
fsr-3222	306	5	)	)	PUNCT
fsr-3222	306	6	management	management	NOUN
fsr-3222	306	7	.09	.09	NUM
fsr-3222	306	8	(	(	PUNCT
fsr-3222	306	9	.09	.09	NUM
fsr-3222	306	10	)	)	PUNCT
fsr-3222	306	11	.11	.11	NUM
fsr-3222	306	12	(	(	PUNCT
fsr-3222	306	13	.12	.12	NUM
fsr-3222	306	14	)	)	PUNCT
fsr-3222	306	15	marketing	marketing	NOUN
fsr-3222	306	16	.02	.02	NUM
fsr-3222	306	17	(	(	PUNCT
fsr-3222	306	18	.10	.10	NUM
fsr-3222	306	19	)	)	PUNCT
fsr-3222	306	20	.13	.13	NUM
fsr-3222	306	21	(	(	PUNCT
fsr-3222	306	22	.13	.13	NUM
fsr-3222	306	23	)	)	PUNCT
fsr-3222	306	24	general	general	ADJ
fsr-3222	306	25	business	business	NOUN
fsr-3222	306	26	.07	.07	NUM
fsr-3222	306	27	(	(	PUNCT
fsr-3222	306	28	.10	.10	NUM
fsr-3222	306	29	)	)	PUNCT
fsr-3222	306	30	�	�	NOUN
fsr-3222	306	31	.01	.01	NUM
fsr-3222	306	32	(	(	PUNCT
fsr-3222	306	33	.10	.10	NUM
fsr-3222	306	34	)	)	PUNCT
fsr-3222	306	35	mba	mba	NOUN
fsr-3222	306	36	.29	.29	NUM
fsr-3222	306	37	(	(	PUNCT
fsr-3222	306	38	.11	.11	NUM
fsr-3222	306	39	)	)	PUNCT
fsr-3222	306	40	*	*	SYM
fsr-3222	306	41	.51	.51	NUM
fsr-3222	306	42	(	(	PUNCT
fsr-3222	306	43	.21	.21	NUM
fsr-3222	306	44	)	)	PUNCT
fsr-3222	306	45	*	*	PUNCT
fsr-3222	306	46	*	*	PUNCT
fsr-3222	306	47	non	non	ADJ
fsr-3222	306	48	-	-	NOUN
fsr-3222	306	49	business	business	ADJ
fsr-3222	306	50	/	/	SYM
fsr-3222	306	51	math	math	NOUN
fsr-3222	306	52	.18	.18	NUM
fsr-3222	306	53	(	(	PUNCT
fsr-3222	306	54	.10	.10	NUM
fsr-3222	306	55	)	)	PUNCT
fsr-3222	306	56	.17	.17	NUM
fsr-3222	306	57	(	(	PUNCT
fsr-3222	306	58	.14	.14	NUM
fsr-3222	306	59	)	)	PUNCT
fsr-3222	306	60	n	n	PROPN
fsr-3222	306	61	575	575	NUM
fsr-3222	306	62	617	617	NUM
fsr-3222	306	63	source	source	NOUN
fsr-3222	306	64	:	:	PUNCT
fsr-3222	306	65	authors	author	NOUN
fsr-3222	306	66	’	'	PUNCT
fsr-3222	306	67	calculations	calculation	NOUN
fsr-3222	306	68	from	from	ADP
fsr-3222	306	69	survey	survey	NOUN
fsr-3222	306	70	.	.	PUNCT
fsr-3222	307	1	note	note	NOUN
fsr-3222	307	2	:	:	PUNCT
fsr-3222	307	3	the	the	DET
fsr-3222	307	4	estimates	estimate	NOUN
fsr-3222	307	5	above	above	ADV
fsr-3222	307	6	are	be	AUX
fsr-3222	307	7	marginal	marginal	ADJ
fsr-3222	307	8	effects	effect	NOUN
fsr-3222	307	9	.	.	PUNCT
fsr-3222	308	1	the	the	DET
fsr-3222	308	2	category	category	NOUN
fsr-3222	308	3	non	non	NOUN
fsr-3222	308	4	-	-	NOUN
fsr-3222	308	5	business	business	ADJ
fsr-3222	308	6	/	/	SYM
fsr-3222	308	7	math	math	NOUN
fsr-3222	308	8	refers	refer	VERB
fsr-3222	308	9	to	to	ADP
fsr-3222	308	10	non	non	ADJ
fsr-3222	308	11	-	-	ADJ
fsr-3222	308	12	business	business	ADJ
fsr-3222	308	13	majors	major	NOUN
fsr-3222	308	14	whose	whose	DET
fsr-3222	308	15	major	major	ADJ
fsr-3222	308	16	include	include	VERB
fsr-3222	308	17	a	a	DET
fsr-3222	308	18	significant	significant	ADJ
fsr-3222	308	19	amount	amount	NOUN
fsr-3222	308	20	of	of	ADP
fsr-3222	308	21	math	math	NOUN
fsr-3222	308	22	(	(	PUNCT
fsr-3222	308	23	e.g.	e.g.	ADV
fsr-3222	308	24	,	,	PUNCT
fsr-3222	308	25	engineering	engineering	NOUN
fsr-3222	308	26	)	)	PUNCT
fsr-3222	308	27	.	.	PUNCT
fsr-3222	309	1	the	the	DET
fsr-3222	309	2	omitted	omit	VERB
fsr-3222	309	3	major	major	ADJ
fsr-3222	309	4	category	category	NOUN
fsr-3222	309	5	is	be	AUX
fsr-3222	309	6	a	a	DET
fsr-3222	309	7	non	non	ADJ
fsr-3222	309	8	-	-	ADJ
fsr-3222	309	9	business	business	ADJ
fsr-3222	309	10	major	major	NOUN
fsr-3222	309	11	in	in	ADP
fsr-3222	309	12	a	a	DET
fsr-3222	309	13	concentration	concentration	NOUN
fsr-3222	309	14	with	with	ADP
fsr-3222	309	15	little	little	ADJ
fsr-3222	309	16	to	to	ADP
fsr-3222	309	17	no	no	DET
fsr-3222	309	18	math	math	NOUN
fsr-3222	309	19	(	(	PUNCT
fsr-3222	309	20	e.g.	e.g.	ADV
fsr-3222	309	21	,	,	PUNCT
fsr-3222	309	22	elementary	elementary	ADJ
fsr-3222	309	23	education	education	NOUN
fsr-3222	309	24	,	,	PUNCT
fsr-3222	309	25	sociology	sociology	NOUN
fsr-3222	309	26	)	)	PUNCT
fsr-3222	309	27	.	.	PUNCT
fsr-3222	310	1	*	*	PUNCT
fsr-3222	310	2	p	p	X
fsr-3222	310	3	�	�	PROPN
fsr-3222	310	4	0.05	0.05	NUM
fsr-3222	310	5	,	,	PUNCT
fsr-3222	310	6	*	*	PUNCT
fsr-3222	310	7	*	*	PUNCT
fsr-3222	310	8	p	p	X
fsr-3222	310	9	�	�	PROPN
fsr-3222	310	10	0.01	0.01	NUM
fsr-3222	310	11	.	.	PUNCT
fsr-3222	311	1	228	228	NUM
fsr-3222	311	2	l.a	l.a	PROPN
fsr-3222	311	3	.	.	PROPN
fsr-3222	311	4	muller	muller	PROPN
fsr-3222	311	5	,	,	PUNCT
fsr-3222	311	6	j.a	j.a	PROPN
fsr-3222	311	7	.	.	PROPN
fsr-3222	311	8	turner	turner	PROPN
fsr-3222	311	9	/	/	SYM
fsr-3222	311	10	financial	financial	ADJ
fsr-3222	311	11	services	service	NOUN
fsr-3222	311	12	review	review	VERB
fsr-3222	311	13	25	25	NUM
fsr-3222	311	14	(	(	PUNCT
fsr-3222	311	15	2016	2016	NUM
fsr-3222	311	16	)	)	PUNCT
fsr-3222	311	17	215–234	215–234	NUM
fsr-3222	311	18	students	student	NOUN
fsr-3222	311	19	would	would	AUX
fsr-3222	311	20	be	be	AUX
fsr-3222	311	21	the	the	DET
fsr-3222	311	22	least	least	ADV
fsr-3222	311	23	likely	likely	ADJ
fsr-3222	311	24	to	to	PART
fsr-3222	311	25	be	be	AUX
fsr-3222	311	26	able	able	ADJ
fsr-3222	311	27	to	to	PART
fsr-3222	311	28	correctly	correctly	ADV
fsr-3222	311	29	compute	compute	VERB
fsr-3222	311	30	the	the	DET
fsr-3222	311	31	fees	fee	NOUN
fsr-3222	311	32	,	,	PUNCT
fsr-3222	311	33	as	as	SCONJ
fsr-3222	311	34	their	their	PRON
fsr-3222	311	35	exposure	exposure	NOUN
fsr-3222	311	36	to	to	ADP
fsr-3222	311	37	business	business	NOUN
fsr-3222	311	38	terminology	terminology	NOUN
fsr-3222	311	39	and	and	CCONJ
fsr-3222	311	40	mathematical	mathematical	ADJ
fsr-3222	311	41	computations	computation	NOUN
fsr-3222	311	42	is	be	AUX
fsr-3222	311	43	most	most	ADV
fsr-3222	311	44	likely	likely	ADV
fsr-3222	311	45	minimal	minimal	ADJ
fsr-3222	311	46	.	.	PUNCT
fsr-3222	312	1	for	for	ADP
fsr-3222	312	2	the	the	DET
fsr-3222	312	3	most	most	ADJ
fsr-3222	312	4	part	part	NOUN
fsr-3222	312	5	,	,	PUNCT
fsr-3222	312	6	the	the	DET
fsr-3222	312	7	marginal	marginal	ADJ
fsr-3222	312	8	effects	effect	NOUN
fsr-3222	312	9	with	with	ADP
fsr-3222	312	10	respect	respect	NOUN
fsr-3222	312	11	to	to	ADP
fsr-3222	312	12	major	major	ADJ
fsr-3222	312	13	are	be	AUX
fsr-3222	312	14	consistent	consistent	ADJ
fsr-3222	312	15	with	with	ADP
fsr-3222	312	16	what	what	PRON
fsr-3222	312	17	is	be	AUX
fsr-3222	312	18	learned	learn	VERB
fsr-3222	312	19	in	in	ADP
fsr-3222	312	20	the	the	DET
fsr-3222	312	21	classroom	classroom	NOUN
fsr-3222	312	22	.	.	PUNCT
fsr-3222	313	1	for	for	ADP
fsr-3222	313	2	the	the	DET
fsr-3222	313	3	simple	simple	ADJ
fsr-3222	313	4	disclosure	disclosure	NOUN
fsr-3222	313	5	,	,	PUNCT
fsr-3222	313	6	accounting	accounting	NOUN
fsr-3222	313	7	and	and	CCONJ
fsr-3222	313	8	finance	finance	NOUN
fsr-3222	313	9	majors	major	NOUN
fsr-3222	313	10	are	be	AUX
fsr-3222	313	11	30	30	NUM
fsr-3222	313	12	%	%	NOUN
fsr-3222	313	13	and	and	CCONJ
fsr-3222	313	14	25	25	NUM
fsr-3222	313	15	%	%	NOUN
fsr-3222	313	16	more	more	ADV
fsr-3222	313	17	likely	likely	ADJ
fsr-3222	313	18	,	,	PUNCT
fsr-3222	313	19	respectively	respectively	ADV
fsr-3222	313	20	,	,	PUNCT
fsr-3222	313	21	to	to	PART
fsr-3222	313	22	compute	compute	VERB
fsr-3222	313	23	the	the	DET
fsr-3222	313	24	correct	correct	ADJ
fsr-3222	313	25	answer	answer	NOUN
fsr-3222	313	26	than	than	SCONJ
fsr-3222	313	27	are	be	AUX
fsr-3222	313	28	students	student	NOUN
fsr-3222	313	29	with	with	ADP
fsr-3222	313	30	a	a	DET
fsr-3222	313	31	nonbusiness	nonbusiness	NOUN
fsr-3222	313	32	,	,	PUNCT
fsr-3222	313	33	non	non	ADJ
fsr-3222	313	34	-	-	ADJ
fsr-3222	313	35	math	math	ADJ
fsr-3222	313	36	intensive	intensive	ADJ
fsr-3222	313	37	major	major	NOUN
fsr-3222	313	38	.	.	PUNCT
fsr-3222	314	1	mba	mba	NOUN
fsr-3222	314	2	students	student	NOUN
fsr-3222	314	3	are	be	AUX
fsr-3222	314	4	also	also	ADV
fsr-3222	314	5	more	more	ADV
fsr-3222	314	6	likely	likely	ADJ
fsr-3222	314	7	to	to	PART
fsr-3222	314	8	compute	compute	VERB
fsr-3222	314	9	the	the	DET
fsr-3222	314	10	correct	correct	ADJ
fsr-3222	314	11	answer	answer	NOUN
fsr-3222	314	12	.	.	PUNCT
fsr-3222	315	1	generally	generally	ADV
fsr-3222	315	2	,	,	PUNCT
fsr-3222	315	3	it	it	PRON
fsr-3222	315	4	might	might	AUX
fsr-3222	315	5	be	be	AUX
fsr-3222	315	6	assumed	assume	VERB
fsr-3222	315	7	that	that	SCONJ
fsr-3222	315	8	most	most	ADJ
fsr-3222	315	9	people	people	NOUN
fsr-3222	315	10	would	would	AUX
fsr-3222	315	11	understand	understand	VERB
fsr-3222	315	12	the	the	DET
fsr-3222	315	13	simple	simple	ADJ
fsr-3222	315	14	disclosure	disclosure	NOUN
fsr-3222	315	15	,	,	PUNCT
fsr-3222	315	16	while	while	SCONJ
fsr-3222	315	17	people	people	NOUN
fsr-3222	315	18	who	who	PRON
fsr-3222	315	19	were	be	AUX
fsr-3222	315	20	more	more	ADV
fsr-3222	315	21	sophisticated	sophisticated	ADJ
fsr-3222	315	22	in	in	ADP
fsr-3222	315	23	terms	term	NOUN
fsr-3222	315	24	of	of	ADP
fsr-3222	315	25	financial	financial	ADJ
fsr-3222	315	26	literacy	literacy	NOUN
fsr-3222	315	27	would	would	AUX
fsr-3222	315	28	be	be	AUX
fsr-3222	315	29	more	more	ADV
fsr-3222	315	30	likely	likely	ADJ
fsr-3222	315	31	to	to	PART
fsr-3222	315	32	understand	understand	VERB
fsr-3222	315	33	the	the	DET
fsr-3222	315	34	complex	complex	ADJ
fsr-3222	315	35	disclosure	disclosure	NOUN
fsr-3222	315	36	.	.	PUNCT
fsr-3222	316	1	however	however	ADV
fsr-3222	316	2	,	,	PUNCT
fsr-3222	316	3	while	while	SCONJ
fsr-3222	316	4	there	there	PRON
fsr-3222	316	5	is	be	VERB
fsr-3222	316	6	still	still	ADV
fsr-3222	316	7	a	a	DET
fsr-3222	316	8	large	large	ADJ
fsr-3222	316	9	,	,	PUNCT
fsr-3222	316	10	statistically	statistically	ADV
fsr-3222	316	11	significant	significant	ADJ
fsr-3222	316	12	effect	effect	NOUN
fsr-3222	316	13	for	for	ADP
fsr-3222	316	14	mba	mba	NOUN
fsr-3222	316	15	students	student	NOUN
fsr-3222	316	16	,	,	PUNCT
fsr-3222	316	17	for	for	ADP
fsr-3222	316	18	accounting	accounting	NOUN
fsr-3222	316	19	and	and	CCONJ
fsr-3222	316	20	finance	finance	NOUN
fsr-3222	316	21	majors	major	NOUN
fsr-3222	316	22	the	the	DET
fsr-3222	316	23	effect	effect	NOUN
fsr-3222	316	24	for	for	ADP
fsr-3222	316	25	the	the	DET
fsr-3222	316	26	complex	complex	ADJ
fsr-3222	316	27	disclosure	disclosure	NOUN
fsr-3222	316	28	was	be	AUX
fsr-3222	316	29	less	less	ADV
fsr-3222	316	30	statistically	statistically	ADV
fsr-3222	316	31	significant	significant	ADJ
fsr-3222	316	32	or	or	CCONJ
fsr-3222	316	33	insignificant	insignificant	ADJ
fsr-3222	316	34	,	,	PUNCT
fsr-3222	316	35	respectively	respectively	ADV
fsr-3222	316	36	.	.	PUNCT
fsr-3222	317	1	so	so	ADV
fsr-3222	317	2	there	there	PRON
fsr-3222	317	3	is	be	VERB
fsr-3222	317	4	some	some	DET
fsr-3222	317	5	evidence	evidence	NOUN
fsr-3222	317	6	that	that	SCONJ
fsr-3222	317	7	financial	financial	ADJ
fsr-3222	317	8	sophistication	sophistication	NOUN
fsr-3222	317	9	helps	help	VERB
fsr-3222	317	10	,	,	PUNCT
fsr-3222	317	11	but	but	CCONJ
fsr-3222	317	12	helps	help	VERB
fsr-3222	317	13	to	to	ADP
fsr-3222	317	14	a	a	DET
fsr-3222	317	15	lesser	less	ADJ
fsr-3222	317	16	extent	extent	NOUN
fsr-3222	317	17	with	with	ADP
fsr-3222	317	18	the	the	DET
fsr-3222	317	19	more	more	ADV
fsr-3222	317	20	complex	complex	ADJ
fsr-3222	317	21	fee	fee	NOUN
fsr-3222	317	22	disclosures	disclosure	NOUN
fsr-3222	317	23	.	.	PUNCT
fsr-3222	318	1	9	9	X
fsr-3222	318	2	.	.	X
fsr-3222	318	3	policy	policy	NOUN
fsr-3222	318	4	analysis	analysis	NOUN
fsr-3222	318	5	clearly	clearly	ADV
fsr-3222	318	6	,	,	PUNCT
fsr-3222	318	7	some	some	DET
fsr-3222	318	8	fee	fee	NOUN
fsr-3222	318	9	disclosures	disclosure	NOUN
fsr-3222	318	10	are	be	AUX
fsr-3222	318	11	written	write	VERB
fsr-3222	318	12	at	at	ADP
fsr-3222	318	13	a	a	DET
fsr-3222	318	14	high	high	ADJ
fsr-3222	318	15	grade	grade	NOUN
fsr-3222	318	16	level	level	NOUN
fsr-3222	318	17	.	.	PUNCT
fsr-3222	319	1	whether	whether	SCONJ
fsr-3222	319	2	that	that	PRON
fsr-3222	319	3	is	be	AUX
fsr-3222	319	4	done	do	VERB
fsr-3222	319	5	to	to	PART
fsr-3222	319	6	purposely	purposely	ADV
fsr-3222	319	7	obscure	obscure	VERB
fsr-3222	319	8	the	the	DET
fsr-3222	319	9	disclosure	disclosure	NOUN
fsr-3222	319	10	,	,	PUNCT
fsr-3222	319	11	as	as	SCONJ
fsr-3222	319	12	argued	argue	VERB
fsr-3222	319	13	in	in	ADP
fsr-3222	319	14	this	this	DET
fsr-3222	319	15	article	article	NOUN
fsr-3222	319	16	,	,	PUNCT
fsr-3222	319	17	or	or	CCONJ
fsr-3222	319	18	for	for	ADP
fsr-3222	319	19	other	other	ADJ
fsr-3222	319	20	reasons	reason	NOUN
fsr-3222	319	21	,	,	PUNCT
fsr-3222	319	22	a	a	DET
fsr-3222	319	23	public	public	ADJ
fsr-3222	319	24	policy	policy	NOUN
fsr-3222	319	25	response	response	NOUN
fsr-3222	319	26	could	could	AUX
fsr-3222	319	27	be	be	AUX
fsr-3222	319	28	to	to	PART
fsr-3222	319	29	have	have	VERB
fsr-3222	319	30	readability	readability	NOUN
fsr-3222	319	31	requirements	requirement	NOUN
fsr-3222	319	32	for	for	ADP
fsr-3222	319	33	fee	fee	NOUN
fsr-3222	319	34	disclosures	disclosure	NOUN
fsr-3222	319	35	.	.	PUNCT
fsr-3222	320	1	american	american	ADJ
fsr-3222	320	2	plain	plain	ADJ
fsr-3222	320	3	english	english	ADJ
fsr-3222	320	4	statutes	statute	NOUN
fsr-3222	320	5	in	in	ADP
fsr-3222	320	6	some	some	DET
fsr-3222	320	7	states	state	NOUN
fsr-3222	320	8	require	require	VERB
fsr-3222	320	9	that	that	SCONJ
fsr-3222	320	10	legal	legal	ADJ
fsr-3222	320	11	text	text	NOUN
fsr-3222	320	12	be	be	AUX
fsr-3222	320	13	written	write	VERB
fsr-3222	320	14	below	below	ADP
fsr-3222	320	15	a	a	DET
fsr-3222	320	16	specified	specify	VERB
fsr-3222	320	17	grade	grade	NOUN
fsr-3222	320	18	level	level	NOUN
fsr-3222	320	19	(	(	PUNCT
fsr-3222	320	20	stumpff	stumpff	PROPN
fsr-3222	320	21	,	,	PUNCT
fsr-3222	320	22	2013	2013	NUM
fsr-3222	320	23	)	)	PUNCT
fsr-3222	320	24	.	.	PUNCT
fsr-3222	321	1	10	10	NUM
fsr-3222	321	2	.	.	PUNCT
fsr-3222	321	3	conclusions	conclusion	NOUN
fsr-3222	321	4	while	while	SCONJ
fsr-3222	321	5	much	much	ADJ
fsr-3222	321	6	attention	attention	NOUN
fsr-3222	321	7	has	have	AUX
fsr-3222	321	8	been	be	AUX
fsr-3222	321	9	given	give	VERB
fsr-3222	321	10	to	to	ADP
fsr-3222	321	11	financial	financial	ADJ
fsr-3222	321	12	education	education	NOUN
fsr-3222	321	13	for	for	ADP
fsr-3222	321	14	pension	pension	NOUN
fsr-3222	321	15	participants	participant	NOUN
fsr-3222	321	16	,	,	PUNCT
fsr-3222	321	17	less	less	ADJ
fsr-3222	321	18	attention	attention	NOUN
fsr-3222	321	19	has	have	AUX
fsr-3222	321	20	been	be	AUX
fsr-3222	321	21	given	give	VERB
fsr-3222	321	22	to	to	ADP
fsr-3222	321	23	the	the	DET
fsr-3222	321	24	quality	quality	NOUN
fsr-3222	321	25	of	of	ADP
fsr-3222	321	26	information	information	NOUN
fsr-3222	321	27	they	they	PRON
fsr-3222	321	28	receive	receive	VERB
fsr-3222	321	29	from	from	ADP
fsr-3222	321	30	financial	financial	ADJ
fsr-3222	321	31	service	service	NOUN
fsr-3222	321	32	providers	provider	NOUN
fsr-3222	321	33	.	.	PUNCT
fsr-3222	322	1	this	this	DET
fsr-3222	322	2	article	article	NOUN
fsr-3222	322	3	hypothesizes	hypothesize	VERB
fsr-3222	322	4	that	that	SCONJ
fsr-3222	322	5	some	some	DET
fsr-3222	322	6	financial	financial	ADJ
fsr-3222	322	7	advisers	adviser	NOUN
fsr-3222	322	8	take	take	VERB
fsr-3222	322	9	advantage	advantage	NOUN
fsr-3222	322	10	of	of	ADP
fsr-3222	322	11	the	the	DET
fsr-3222	322	12	lack	lack	NOUN
fsr-3222	322	13	of	of	ADP
fsr-3222	322	14	sophistication	sophistication	NOUN
fsr-3222	322	15	of	of	ADP
fsr-3222	322	16	their	their	PRON
fsr-3222	322	17	clients	client	NOUN
fsr-3222	322	18	by	by	ADP
fsr-3222	322	19	disclosing	disclose	VERB
fsr-3222	322	20	fee	fee	NOUN
fsr-3222	322	21	information	information	NOUN
fsr-3222	322	22	in	in	ADP
fsr-3222	322	23	complex	complex	ADJ
fsr-3222	322	24	ways	way	NOUN
fsr-3222	322	25	.	.	PUNCT
fsr-3222	323	1	complexity	complexity	NOUN
fsr-3222	323	2	is	be	AUX
fsr-3222	323	3	a	a	DET
fsr-3222	323	4	multidimensional	multidimensional	ADJ
fsr-3222	323	5	strategy	strategy	NOUN
fsr-3222	323	6	that	that	PRON
fsr-3222	323	7	some	some	DET
fsr-3222	323	8	investment	investment	NOUN
fsr-3222	323	9	management	management	NOUN
fsr-3222	323	10	or	or	CCONJ
fsr-3222	323	11	advisory	advisory	ADJ
fsr-3222	323	12	companies	company	NOUN
fsr-3222	323	13	use	use	VERB
fsr-3222	323	14	to	to	PART
fsr-3222	323	15	make	make	VERB
fsr-3222	323	16	it	it	PRON
fsr-3222	323	17	difficult	difficult	ADJ
fsr-3222	323	18	,	,	PUNCT
fsr-3222	323	19	if	if	SCONJ
fsr-3222	323	20	not	not	PART
fsr-3222	323	21	impossible	impossible	ADJ
fsr-3222	323	22	,	,	PUNCT
fsr-3222	323	23	to	to	PART
fsr-3222	323	24	compare	compare	VERB
fsr-3222	323	25	advisory	advisory	ADJ
fsr-3222	323	26	services	service	NOUN
fsr-3222	323	27	on	on	ADP
fsr-3222	323	28	the	the	DET
fsr-3222	323	29	basis	basis	NOUN
fsr-3222	323	30	of	of	ADP
fsr-3222	323	31	fees	fee	NOUN
fsr-3222	323	32	,	,	PUNCT
fsr-3222	323	33	and	and	CCONJ
fsr-3222	323	34	to	to	PART
fsr-3222	323	35	determine	determine	VERB
fsr-3222	323	36	what	what	DET
fsr-3222	323	37	level	level	NOUN
fsr-3222	323	38	of	of	ADP
fsr-3222	323	39	fees	fee	NOUN
fsr-3222	323	40	a	a	DET
fsr-3222	323	41	prospective	prospective	ADJ
fsr-3222	323	42	investor	investor	NOUN
fsr-3222	323	43	would	would	AUX
fsr-3222	323	44	be	be	AUX
fsr-3222	323	45	paying	pay	VERB
fsr-3222	323	46	.	.	PUNCT
fsr-3222	324	1	we	we	PRON
fsr-3222	324	2	note	note	VERB
fsr-3222	324	3	several	several	ADJ
fsr-3222	324	4	dimensions	dimension	NOUN
fsr-3222	324	5	of	of	ADP
fsr-3222	324	6	that	that	DET
fsr-3222	324	7	strategy	strategy	NOUN
fsr-3222	324	8	—	—	PUNCT
fsr-3222	324	9	complexity	complexity	NOUN
fsr-3222	324	10	in	in	ADP
fsr-3222	324	11	language	language	NOUN
fsr-3222	324	12	,	,	PUNCT
fsr-3222	324	13	complexity	complexity	NOUN
fsr-3222	324	14	in	in	ADP
fsr-3222	324	15	computations	computation	NOUN
fsr-3222	324	16	,	,	PUNCT
fsr-3222	324	17	complexity	complexity	NOUN
fsr-3222	324	18	in	in	ADP
fsr-3222	324	19	finding	find	VERB
fsr-3222	324	20	relevant	relevant	ADJ
fsr-3222	324	21	information	information	NOUN
fsr-3222	324	22	—	—	PUNCT
fsr-3222	324	23	but	but	CCONJ
fsr-3222	324	24	in	in	ADP
fsr-3222	324	25	the	the	DET
fsr-3222	324	26	end	end	NOUN
fsr-3222	324	27	focus	focus	NOUN
fsr-3222	324	28	on	on	ADP
fsr-3222	324	29	the	the	DET
fsr-3222	324	30	dimension	dimension	NOUN
fsr-3222	324	31	of	of	ADP
fsr-3222	324	32	the	the	DET
fsr-3222	324	33	complexity	complexity	NOUN
fsr-3222	324	34	of	of	ADP
fsr-3222	324	35	language	language	NOUN
fsr-3222	324	36	.	.	PUNCT
fsr-3222	325	1	we	we	PRON
fsr-3222	325	2	make	make	VERB
fsr-3222	325	3	that	that	DET
fsr-3222	325	4	choice	choice	NOUN
fsr-3222	325	5	because	because	SCONJ
fsr-3222	325	6	we	we	PRON
fsr-3222	325	7	believe	believe	VERB
fsr-3222	325	8	that	that	SCONJ
fsr-3222	325	9	dimension	dimension	NOUN
fsr-3222	325	10	is	be	AUX
fsr-3222	325	11	an	an	DET
fsr-3222	325	12	important	important	ADJ
fsr-3222	325	13	dimension	dimension	NOUN
fsr-3222	325	14	of	of	ADP
fsr-3222	325	15	complexity	complexity	NOUN
fsr-3222	325	16	,	,	PUNCT
fsr-3222	325	17	and	and	CCONJ
fsr-3222	325	18	also	also	ADV
fsr-3222	325	19	because	because	SCONJ
fsr-3222	325	20	we	we	PRON
fsr-3222	325	21	wanted	want	VERB
fsr-3222	325	22	to	to	PART
fsr-3222	325	23	narrow	narrow	VERB
fsr-3222	325	24	the	the	DET
fsr-3222	325	25	scope	scope	NOUN
fsr-3222	325	26	of	of	ADP
fsr-3222	325	27	our	our	PRON
fsr-3222	325	28	research	research	NOUN
fsr-3222	325	29	so	so	SCONJ
fsr-3222	325	30	as	as	SCONJ
fsr-3222	325	31	to	to	PART
fsr-3222	325	32	be	be	AUX
fsr-3222	325	33	able	able	ADJ
fsr-3222	325	34	to	to	PART
fsr-3222	325	35	focus	focus	VERB
fsr-3222	325	36	on	on	ADP
fsr-3222	325	37	one	one	NUM
fsr-3222	325	38	aspect	aspect	NOUN
fsr-3222	325	39	of	of	ADP
fsr-3222	325	40	the	the	DET
fsr-3222	325	41	issue	issue	NOUN
fsr-3222	325	42	.	.	PUNCT
fsr-3222	326	1	the	the	DET
fsr-3222	326	2	strategy	strategy	NOUN
fsr-3222	326	3	takes	take	VERB
fsr-3222	326	4	advantage	advantage	NOUN
fsr-3222	326	5	of	of	ADP
fsr-3222	326	6	the	the	DET
fsr-3222	326	7	lack	lack	NOUN
fsr-3222	326	8	of	of	ADP
fsr-3222	326	9	financial	financial	ADJ
fsr-3222	326	10	sophistication	sophistication	NOUN
fsr-3222	326	11	of	of	ADP
fsr-3222	326	12	many	many	ADJ
fsr-3222	326	13	investors	investor	NOUN
fsr-3222	326	14	,	,	PUNCT
fsr-3222	326	15	but	but	CCONJ
fsr-3222	326	16	in	in	ADP
fsr-3222	326	17	some	some	DET
fsr-3222	326	18	instances	instance	NOUN
fsr-3222	326	19	even	even	ADV
fsr-3222	326	20	sophisticated	sophisticated	ADJ
fsr-3222	326	21	investors	investor	NOUN
fsr-3222	326	22	may	may	AUX
fsr-3222	326	23	not	not	PART
fsr-3222	326	24	be	be	AUX
fsr-3222	326	25	able	able	ADJ
fsr-3222	326	26	to	to	PART
fsr-3222	326	27	make	make	VERB
fsr-3222	326	28	comparisons	comparison	NOUN
fsr-3222	326	29	or	or	CCONJ
fsr-3222	326	30	obtain	obtain	VERB
fsr-3222	326	31	accurate	accurate	ADJ
fsr-3222	326	32	fee	fee	NOUN
fsr-3222	326	33	information	information	NOUN
fsr-3222	326	34	based	base	VERB
fsr-3222	326	35	on	on	ADP
fsr-3222	326	36	the	the	DET
fsr-3222	326	37	disclosures	disclosure	NOUN
fsr-3222	326	38	provided	provide	VERB
fsr-3222	326	39	on	on	ADP
fsr-3222	326	40	the	the	DET
fsr-3222	326	41	internet	internet	NOUN
fsr-3222	326	42	.	.	PUNCT
fsr-3222	327	1	this	this	DET
fsr-3222	327	2	strategy	strategy	NOUN
fsr-3222	327	3	presumably	presumably	ADV
fsr-3222	327	4	reduces	reduce	VERB
fsr-3222	327	5	competition	competition	NOUN
fsr-3222	327	6	in	in	ADP
fsr-3222	327	7	the	the	DET
fsr-3222	327	8	market	market	NOUN
fsr-3222	327	9	for	for	ADP
fsr-3222	327	10	advisory	advisory	ADJ
fsr-3222	327	11	services	service	NOUN
fsr-3222	327	12	and	and	CCONJ
fsr-3222	327	13	permits	permit	VERB
fsr-3222	327	14	service	service	NOUN
fsr-3222	327	15	providers	provider	NOUN
fsr-3222	327	16	to	to	PART
fsr-3222	327	17	charge	charge	VERB
fsr-3222	327	18	higher	high	ADJ
fsr-3222	327	19	fees	fee	NOUN
fsr-3222	327	20	,	,	PUNCT
fsr-3222	327	21	raising	raise	VERB
fsr-3222	327	22	their	their	PRON
fsr-3222	327	23	profits	profit	NOUN
fsr-3222	327	24	.	.	PUNCT
fsr-3222	328	1	229l.a	229l.a	X
fsr-3222	328	2	.	.	PUNCT
fsr-3222	328	3	muller	muller	PROPN
fsr-3222	328	4	,	,	PUNCT
fsr-3222	328	5	j.a	j.a	PROPN
fsr-3222	328	6	.	.	PROPN
fsr-3222	328	7	turner	turner	PROPN
fsr-3222	328	8	/	/	SYM
fsr-3222	328	9	financial	financial	ADJ
fsr-3222	328	10	services	service	NOUN
fsr-3222	328	11	review	review	VERB
fsr-3222	328	12	25	25	NUM
fsr-3222	328	13	(	(	PUNCT
fsr-3222	328	14	2016	2016	NUM
fsr-3222	328	15	)	)	PUNCT
fsr-3222	328	16	215–234	215–234	NUM
fsr-3222	328	17	our	our	PRON
fsr-3222	328	18	article	article	NOUN
fsr-3222	328	19	develops	develop	VERB
fsr-3222	328	20	a	a	DET
fsr-3222	328	21	hypothesis	hypothesis	NOUN
fsr-3222	328	22	concerning	concern	VERB
fsr-3222	328	23	strategic	strategic	ADJ
fsr-3222	328	24	complexity	complexity	NOUN
fsr-3222	328	25	in	in	ADP
fsr-3222	328	26	fee	fee	NOUN
fsr-3222	328	27	disclosures	disclosure	NOUN
fsr-3222	328	28	,	,	PUNCT
fsr-3222	328	29	develops	develop	VERB
fsr-3222	328	30	a	a	DET
fsr-3222	328	31	measure	measure	NOUN
fsr-3222	328	32	of	of	ADP
fsr-3222	328	33	complexity	complexity	NOUN
fsr-3222	328	34	in	in	ADP
fsr-3222	328	35	fee	fee	NOUN
fsr-3222	328	36	disclosures	disclosure	NOUN
fsr-3222	328	37	,	,	PUNCT
fsr-3222	328	38	collects	collect	VERB
fsr-3222	328	39	a	a	DET
fsr-3222	328	40	small	small	ADJ
fsr-3222	328	41	sample	sample	NOUN
fsr-3222	328	42	of	of	ADP
fsr-3222	328	43	fee	fee	NOUN
fsr-3222	328	44	disclosures	disclosure	NOUN
fsr-3222	328	45	,	,	PUNCT
fsr-3222	328	46	notes	note	VERB
fsr-3222	328	47	the	the	DET
fsr-3222	328	48	simple	simple	ADJ
fsr-3222	328	49	correlation	correlation	NOUN
fsr-3222	328	50	between	between	ADP
fsr-3222	328	51	complexity	complexity	NOUN
fsr-3222	328	52	in	in	ADP
fsr-3222	328	53	fee	fee	NOUN
fsr-3222	328	54	disclosure	disclosure	NOUN
fsr-3222	328	55	according	accord	VERB
fsr-3222	328	56	to	to	ADP
fsr-3222	328	57	our	our	PRON
fsr-3222	328	58	measure	measure	NOUN
fsr-3222	328	59	and	and	CCONJ
fsr-3222	328	60	level	level	NOUN
fsr-3222	328	61	of	of	ADP
fsr-3222	328	62	fees	fee	NOUN
fsr-3222	328	63	,	,	PUNCT
fsr-3222	328	64	and	and	CCONJ
fsr-3222	328	65	collects	collect	VERB
fsr-3222	328	66	a	a	DET
fsr-3222	328	67	substantial	substantial	ADJ
fsr-3222	328	68	sample	sample	NOUN
fsr-3222	328	69	to	to	PART
fsr-3222	328	70	validate	validate	VERB
fsr-3222	328	71	our	our	PRON
fsr-3222	328	72	measure	measure	NOUN
fsr-3222	328	73	of	of	ADP
fsr-3222	328	74	complexity	complexity	NOUN
fsr-3222	328	75	of	of	ADP
fsr-3222	328	76	fee	fee	NOUN
fsr-3222	328	77	disclosures	disclosure	NOUN
fsr-3222	328	78	.	.	PUNCT
fsr-3222	329	1	our	our	PRON
fsr-3222	329	2	nonscientific	nonscientific	ADJ
fsr-3222	329	3	sample	sample	NOUN
fsr-3222	329	4	of	of	ADP
fsr-3222	329	5	10	10	NUM
fsr-3222	329	6	fee	fee	NOUN
fsr-3222	329	7	disclosures	disclosure	NOUN
fsr-3222	329	8	is	be	AUX
fsr-3222	329	9	only	only	ADV
fsr-3222	329	10	suggestive	suggestive	ADJ
fsr-3222	329	11	of	of	ADP
fsr-3222	329	12	the	the	DET
fsr-3222	329	13	relationship	relationship	NOUN
fsr-3222	329	14	between	between	ADP
fsr-3222	329	15	complexity	complexity	NOUN
fsr-3222	329	16	in	in	ADP
fsr-3222	329	17	fee	fee	NOUN
fsr-3222	329	18	disclosures	disclosure	NOUN
fsr-3222	329	19	and	and	CCONJ
fsr-3222	329	20	level	level	NOUN
fsr-3222	329	21	of	of	ADP
fsr-3222	329	22	fees	fee	NOUN
fsr-3222	329	23	.	.	PUNCT
fsr-3222	330	1	our	our	PRON
fsr-3222	330	2	larger	large	ADJ
fsr-3222	330	3	sample	sample	NOUN
fsr-3222	330	4	validates	validate	VERB
fsr-3222	330	5	our	our	PRON
fsr-3222	330	6	measure	measure	NOUN
fsr-3222	330	7	of	of	ADP
fsr-3222	330	8	complexity	complexity	NOUN
fsr-3222	330	9	.	.	PUNCT
fsr-3222	331	1	it	it	PRON
fsr-3222	331	2	indicates	indicate	VERB
fsr-3222	331	3	that	that	SCONJ
fsr-3222	331	4	people	people	NOUN
fsr-3222	331	5	who	who	PRON
fsr-3222	331	6	are	be	AUX
fsr-3222	331	7	more	more	ADV
fsr-3222	331	8	financially	financially	ADV
fsr-3222	331	9	literate	literate	ADJ
fsr-3222	331	10	(	(	PUNCT
fsr-3222	331	11	based	base	VERB
fsr-3222	331	12	on	on	ADP
fsr-3222	331	13	college	college	NOUN
fsr-3222	331	14	studies	study	NOUN
fsr-3222	331	15	)	)	PUNCT
fsr-3222	331	16	are	be	AUX
fsr-3222	331	17	better	well	ADV
fsr-3222	331	18	able	able	ADJ
fsr-3222	331	19	to	to	PART
fsr-3222	331	20	understand	understand	VERB
fsr-3222	331	21	complex	complex	ADJ
fsr-3222	331	22	fee	fee	NOUN
fsr-3222	331	23	disclosures	disclosure	NOUN
fsr-3222	331	24	,	,	PUNCT
fsr-3222	331	25	but	but	CCONJ
fsr-3222	331	26	that	that	SCONJ
fsr-3222	331	27	even	even	ADV
fsr-3222	331	28	people	people	NOUN
fsr-3222	331	29	with	with	ADP
fsr-3222	331	30	the	the	DET
fsr-3222	331	31	presumption	presumption	NOUN
fsr-3222	331	32	of	of	ADP
fsr-3222	331	33	a	a	DET
fsr-3222	331	34	relatively	relatively	ADV
fsr-3222	331	35	high	high	ADJ
fsr-3222	331	36	degree	degree	NOUN
fsr-3222	331	37	of	of	ADP
fsr-3222	331	38	financial	financial	ADJ
fsr-3222	331	39	literacy	literacy	NOUN
fsr-3222	331	40	are	be	AUX
fsr-3222	331	41	not	not	PART
fsr-3222	331	42	all	all	ADV
fsr-3222	331	43	able	able	ADJ
fsr-3222	331	44	to	to	PART
fsr-3222	331	45	decipher	decipher	VERB
fsr-3222	331	46	complex	complex	ADJ
fsr-3222	331	47	fee	fee	NOUN
fsr-3222	331	48	disclosures	disclosure	NOUN
fsr-3222	331	49	.	.	PUNCT
fsr-3222	332	1	this	this	DET
fsr-3222	332	2	article	article	NOUN
fsr-3222	332	3	develops	develop	VERB
fsr-3222	332	4	analytical	analytical	ADJ
fsr-3222	332	5	tools	tool	NOUN
fsr-3222	332	6	for	for	ADP
fsr-3222	332	7	measuring	measure	VERB
fsr-3222	332	8	complexity	complexity	NOUN
fsr-3222	332	9	in	in	ADP
fsr-3222	332	10	fee	fee	NOUN
fsr-3222	332	11	disclosures	disclosure	NOUN
fsr-3222	332	12	.	.	PUNCT
fsr-3222	333	1	it	it	PRON
fsr-3222	333	2	presents	present	VERB
fsr-3222	333	3	suggestive	suggestive	ADJ
fsr-3222	333	4	evidence	evidence	NOUN
fsr-3222	333	5	,	,	PUNCT
fsr-3222	333	6	based	base	VERB
fsr-3222	333	7	on	on	ADP
fsr-3222	333	8	a	a	DET
fsr-3222	333	9	small	small	ADJ
fsr-3222	333	10	sample	sample	NOUN
fsr-3222	333	11	(	(	PUNCT
fsr-3222	333	12	10	10	NUM
fsr-3222	333	13	advisory	advisory	ADJ
fsr-3222	333	14	companies	company	NOUN
fsr-3222	333	15	)	)	PUNCT
fsr-3222	333	16	,	,	PUNCT
fsr-3222	333	17	that	that	SCONJ
fsr-3222	333	18	higher	high	ADJ
fsr-3222	333	19	-	-	PUNCT
fsr-3222	333	20	fee	fee	NOUN
fsr-3222	333	21	advisers	adviser	NOUN
fsr-3222	333	22	use	use	VERB
fsr-3222	333	23	more	more	ADJ
fsr-3222	333	24	complex	complex	ADJ
fsr-3222	333	25	disclosures	disclosure	NOUN
fsr-3222	333	26	than	than	ADP
fsr-3222	333	27	lower	low	ADJ
fsr-3222	333	28	-	-	PUNCT
fsr-3222	333	29	fee	fee	NOUN
fsr-3222	333	30	advisers	adviser	NOUN
fsr-3222	333	31	.	.	PUNCT
fsr-3222	334	1	it	it	PRON
fsr-3222	334	2	also	also	ADV
fsr-3222	334	3	finds	find	VERB
fsr-3222	334	4	that	that	DET
fsr-3222	334	5	complexity	complexity	NOUN
fsr-3222	334	6	in	in	ADP
fsr-3222	334	7	disclosure	disclosure	NOUN
fsr-3222	334	8	in	in	ADP
fsr-3222	334	9	one	one	NUM
fsr-3222	334	10	dimension	dimension	NOUN
fsr-3222	334	11	is	be	AUX
fsr-3222	334	12	generally	generally	ADV
fsr-3222	334	13	accompanied	accompany	VERB
fsr-3222	334	14	by	by	ADP
fsr-3222	334	15	complexity	complexity	NOUN
fsr-3222	334	16	in	in	ADP
fsr-3222	334	17	disclosure	disclosure	NOUN
fsr-3222	334	18	in	in	ADP
fsr-3222	334	19	other	other	ADJ
fsr-3222	334	20	dimensions	dimension	NOUN
fsr-3222	334	21	,	,	PUNCT
fsr-3222	334	22	suggesting	suggest	VERB
fsr-3222	334	23	use	use	NOUN
fsr-3222	334	24	of	of	ADP
fsr-3222	334	25	strategic	strategic	ADJ
fsr-3222	334	26	complexity	complexity	NOUN
fsr-3222	334	27	in	in	ADP
fsr-3222	334	28	disclosures	disclosure	NOUN
fsr-3222	334	29	.	.	PUNCT
fsr-3222	335	1	in	in	ADP
fsr-3222	335	2	particular	particular	ADJ
fsr-3222	335	3	,	,	PUNCT
fsr-3222	335	4	higher	high	ADJ
fsr-3222	335	5	-	-	PUNCT
fsr-3222	335	6	fee	fee	NOUN
fsr-3222	335	7	advisers	adviser	NOUN
fsr-3222	335	8	tend	tend	VERB
fsr-3222	335	9	to	to	PART
fsr-3222	335	10	use	use	VERB
fsr-3222	335	11	more	more	ADJ
fsr-3222	335	12	complex	complex	ADJ
fsr-3222	335	13	language	language	NOUN
fsr-3222	335	14	and	and	CCONJ
fsr-3222	335	15	longer	long	ADJ
fsr-3222	335	16	sentences	sentence	NOUN
fsr-3222	335	17	,	,	PUNCT
fsr-3222	335	18	present	present	ADJ
fsr-3222	335	19	important	important	ADJ
fsr-3222	335	20	information	information	NOUN
fsr-3222	335	21	in	in	ADP
fsr-3222	335	22	footnotes	footnote	NOUN
fsr-3222	335	23	,	,	PUNCT
fsr-3222	335	24	and	and	CCONJ
fsr-3222	335	25	have	have	VERB
fsr-3222	335	26	more	more	ADJ
fsr-3222	335	27	complex	complex	ADJ
fsr-3222	335	28	fee	fee	NOUN
fsr-3222	335	29	structures	structure	NOUN
fsr-3222	335	30	.	.	PUNCT
fsr-3222	336	1	however	however	ADV
fsr-3222	336	2	,	,	PUNCT
fsr-3222	336	3	it	it	PRON
fsr-3222	336	4	is	be	AUX
fsr-3222	336	5	possible	possible	ADJ
fsr-3222	336	6	to	to	PART
fsr-3222	336	7	identify	identify	VERB
fsr-3222	336	8	high	high	ADJ
fsr-3222	336	9	fee	fee	NOUN
fsr-3222	336	10	providers	provider	NOUN
fsr-3222	336	11	solely	solely	ADV
fsr-3222	336	12	on	on	ADP
fsr-3222	336	13	the	the	DET
fsr-3222	336	14	basis	basis	NOUN
fsr-3222	336	15	of	of	ADP
fsr-3222	336	16	the	the	DET
fsr-3222	336	17	complexity	complexity	NOUN
fsr-3222	336	18	of	of	ADP
fsr-3222	336	19	the	the	DET
fsr-3222	336	20	language	language	NOUN
fsr-3222	336	21	they	they	PRON
fsr-3222	336	22	use	use	VERB
fsr-3222	336	23	.	.	PUNCT
fsr-3222	337	1	the	the	DET
fsr-3222	337	2	article	article	NOUN
fsr-3222	337	3	rejects	reject	VERB
fsr-3222	337	4	by	by	ADP
fsr-3222	337	5	the	the	DET
fsr-3222	337	6	use	use	NOUN
fsr-3222	337	7	of	of	ADP
fsr-3222	337	8	counterexamples	counterexample	NOUN
fsr-3222	337	9	the	the	DET
fsr-3222	337	10	argument	argument	NOUN
fsr-3222	337	11	that	that	SCONJ
fsr-3222	337	12	complexity	complexity	NOUN
fsr-3222	337	13	is	be	AUX
fsr-3222	337	14	inherent	inherent	ADJ
fsr-3222	337	15	and	and	CCONJ
fsr-3222	337	16	that	that	SCONJ
fsr-3222	337	17	simple	simple	ADJ
fsr-3222	337	18	fee	fee	NOUN
fsr-3222	337	19	disclosures	disclosure	NOUN
fsr-3222	337	20	involve	involve	VERB
fsr-3222	337	21	a	a	DET
fsr-3222	337	22	tradeoff	tradeoff	NOUN
fsr-3222	337	23	against	against	ADP
fsr-3222	337	24	completeness	completeness	NOUN
fsr-3222	337	25	.	.	PUNCT
fsr-3222	338	1	while	while	SCONJ
fsr-3222	338	2	financial	financial	ADJ
fsr-3222	338	3	education	education	NOUN
fsr-3222	338	4	has	have	AUX
fsr-3222	338	5	been	be	AUX
fsr-3222	338	6	recommended	recommend	VERB
fsr-3222	338	7	by	by	ADP
fsr-3222	338	8	a	a	DET
fsr-3222	338	9	number	number	NOUN
fsr-3222	338	10	of	of	ADP
fsr-3222	338	11	commentators	commentator	NOUN
fsr-3222	338	12	as	as	ADP
fsr-3222	338	13	the	the	DET
fsr-3222	338	14	solution	solution	NOUN
fsr-3222	338	15	to	to	ADP
fsr-3222	338	16	dealing	deal	VERB
fsr-3222	338	17	with	with	ADP
fsr-3222	338	18	lack	lack	NOUN
fsr-3222	338	19	of	of	ADP
fsr-3222	338	20	financial	financial	ADJ
fsr-3222	338	21	sophistication	sophistication	NOUN
fsr-3222	338	22	,	,	PUNCT
fsr-3222	338	23	with	with	ADP
fsr-3222	338	24	strategic	strategic	ADJ
fsr-3222	338	25	complexity	complexity	NOUN
fsr-3222	338	26	in	in	ADP
fsr-3222	338	27	fee	fee	NOUN
fsr-3222	338	28	disclosure	disclosure	NOUN
fsr-3222	338	29	,	,	PUNCT
fsr-3222	338	30	financial	financial	ADJ
fsr-3222	338	31	education	education	NOUN
fsr-3222	338	32	may	may	AUX
fsr-3222	338	33	be	be	AUX
fsr-3222	338	34	of	of	ADP
fsr-3222	338	35	little	little	ADJ
fsr-3222	338	36	use	use	NOUN
fsr-3222	338	37	.	.	PUNCT
fsr-3222	339	1	for	for	ADP
fsr-3222	339	2	some	some	DET
fsr-3222	339	3	fee	fee	NOUN
fsr-3222	339	4	disclosures	disclosure	NOUN
fsr-3222	339	5	,	,	PUNCT
fsr-3222	339	6	the	the	DET
fsr-3222	339	7	complexity	complexity	NOUN
fsr-3222	339	8	of	of	ADP
fsr-3222	339	9	language	language	NOUN
fsr-3222	339	10	is	be	AUX
fsr-3222	339	11	beyond	beyond	ADP
fsr-3222	339	12	that	that	PRON
fsr-3222	339	13	that	that	PRON
fsr-3222	339	14	would	would	AUX
fsr-3222	339	15	reasonably	reasonably	ADV
fsr-3222	339	16	be	be	AUX
fsr-3222	339	17	understood	understand	VERB
fsr-3222	339	18	.	.	PUNCT
fsr-3222	340	1	the	the	DET
fsr-3222	340	2	issue	issue	NOUN
fsr-3222	340	3	of	of	ADP
fsr-3222	340	4	strategic	strategic	ADJ
fsr-3222	340	5	complexity	complexity	NOUN
fsr-3222	340	6	in	in	ADP
fsr-3222	340	7	fee	fee	NOUN
fsr-3222	340	8	disclosures	disclosure	NOUN
fsr-3222	340	9	may	may	AUX
fsr-3222	340	10	exist	exist	VERB
fsr-3222	340	11	in	in	ADP
fsr-3222	340	12	other	other	ADJ
fsr-3222	340	13	aspects	aspect	NOUN
fsr-3222	340	14	of	of	ADP
fsr-3222	340	15	financial	financial	ADJ
fsr-3222	340	16	services	service	NOUN
fsr-3222	340	17	.	.	PUNCT
fsr-3222	341	1	for	for	ADP
fsr-3222	341	2	example	example	NOUN
fsr-3222	341	3	,	,	PUNCT
fsr-3222	341	4	future	future	ADJ
fsr-3222	341	5	studies	study	NOUN
fsr-3222	341	6	could	could	AUX
fsr-3222	341	7	explore	explore	VERB
fsr-3222	341	8	this	this	DET
fsr-3222	341	9	issue	issue	NOUN
fsr-3222	341	10	concerning	concern	VERB
fsr-3222	341	11	credit	credit	NOUN
fsr-3222	341	12	card	card	NOUN
fsr-3222	341	13	fees	fee	NOUN
fsr-3222	341	14	,	,	PUNCT
fsr-3222	341	15	fees	fee	NOUN
fsr-3222	341	16	for	for	ADP
fsr-3222	341	17	financial	financial	ADJ
fsr-3222	341	18	products	product	NOUN
fsr-3222	341	19	,	,	PUNCT
fsr-3222	341	20	fees	fee	NOUN
fsr-3222	341	21	for	for	ADP
fsr-3222	341	22	mortgages	mortgage	NOUN
fsr-3222	341	23	and	and	CCONJ
fsr-3222	341	24	other	other	ADJ
fsr-3222	341	25	loans	loan	NOUN
fsr-3222	341	26	,	,	PUNCT
fsr-3222	341	27	fees	fee	NOUN
fsr-3222	341	28	for	for	ADP
fsr-3222	341	29	insurance	insurance	NOUN
fsr-3222	341	30	products	product	NOUN
fsr-3222	341	31	,	,	PUNCT
fsr-3222	341	32	and	and	CCONJ
fsr-3222	341	33	banking	banking	NOUN
fsr-3222	341	34	fees	fee	NOUN
fsr-3222	341	35	.	.	PUNCT
fsr-3222	342	1	the	the	DET
fsr-3222	342	2	structure	structure	NOUN
fsr-3222	342	3	of	of	ADP
fsr-3222	342	4	products	product	NOUN
fsr-3222	342	5	in	in	ADP
fsr-3222	342	6	all	all	DET
fsr-3222	342	7	these	these	DET
fsr-3222	342	8	areas	area	NOUN
fsr-3222	342	9	has	have	AUX
fsr-3222	342	10	become	become	VERB
fsr-3222	342	11	increasingly	increasingly	ADV
fsr-3222	342	12	complex	complex	ADJ
fsr-3222	342	13	.	.	PUNCT
fsr-3222	343	1	further	further	ADJ
fsr-3222	343	2	research	research	NOUN
fsr-3222	343	3	could	could	AUX
fsr-3222	343	4	explore	explore	VERB
fsr-3222	343	5	those	those	DET
fsr-3222	343	6	areas	area	NOUN
fsr-3222	343	7	and	and	CCONJ
fsr-3222	343	8	test	test	VERB
fsr-3222	343	9	whether	whether	SCONJ
fsr-3222	343	10	in	in	ADP
fsr-3222	343	11	those	those	DET
fsr-3222	343	12	areas	area	NOUN
fsr-3222	343	13	higher	high	ADJ
fsr-3222	343	14	-	-	PUNCT
fsr-3222	343	15	fee	fee	NOUN
fsr-3222	343	16	providers	provider	NOUN
fsr-3222	343	17	also	also	ADV
fsr-3222	343	18	tend	tend	VERB
fsr-3222	343	19	to	to	PART
fsr-3222	343	20	use	use	VERB
fsr-3222	343	21	more	more	ADJ
fsr-3222	343	22	complex	complex	ADJ
fsr-3222	343	23	fee	fee	NOUN
fsr-3222	343	24	disclosures	disclosure	NOUN
fsr-3222	343	25	.	.	PUNCT
fsr-3222	344	1	notes	note	VERB
fsr-3222	344	2	1	1	NUM
fsr-3222	344	3	a	a	DET
fsr-3222	344	4	different	different	ADJ
fsr-3222	344	5	version	version	NOUN
fsr-3222	344	6	of	of	ADP
fsr-3222	344	7	the	the	DET
fsr-3222	344	8	formula	formula	NOUN
fsr-3222	344	9	only	only	ADV
fsr-3222	344	10	includes	include	VERB
fsr-3222	344	11	the	the	DET
fsr-3222	344	12	constant	constant	ADJ
fsr-3222	344	13	3.6365	3.6365	NUM
fsr-3222	344	14	if	if	SCONJ
fsr-3222	344	15	the	the	DET
fsr-3222	344	16	pdw	pdw	NOUN
fsr-3222	344	17	is	be	AUX
fsr-3222	344	18	five	five	NUM
fsr-3222	344	19	percent	percent	NOUN
fsr-3222	344	20	or	or	CCONJ
fsr-3222	344	21	greater	great	ADJ
fsr-3222	344	22	,	,	PUNCT
fsr-3222	344	23	which	which	PRON
fsr-3222	344	24	is	be	AUX
fsr-3222	344	25	generally	generally	ADV
fsr-3222	344	26	for	for	ADP
fsr-3222	344	27	reading	read	VERB
fsr-3222	344	28	at	at	ADP
fsr-3222	344	29	grade	grade	NOUN
fsr-3222	344	30	3	3	NUM
fsr-3222	344	31	or	or	CCONJ
fsr-3222	344	32	lower	low	ADJ
fsr-3222	344	33	.	.	PUNCT
fsr-3222	345	1	2	2	NUM
fsr-3222	345	2	we	we	PRON
fsr-3222	345	3	examined	examine	VERB
fsr-3222	345	4	two	two	NUM
fsr-3222	345	5	other	other	ADJ
fsr-3222	345	6	options	option	NOUN
fsr-3222	345	7	for	for	ADP
fsr-3222	345	8	rating	rating	NOUN
fsr-3222	345	9	complexity	complexity	NOUN
fsr-3222	345	10	of	of	ADP
fsr-3222	345	11	language	language	NOUN
fsr-3222	345	12	,	,	PUNCT
fsr-3222	345	13	and	and	CCONJ
fsr-3222	345	14	found	find	VERB
fsr-3222	345	15	both	both	PRON
fsr-3222	345	16	to	to	PART
fsr-3222	345	17	be	be	AUX
fsr-3222	345	18	inappropriate	inappropriate	ADJ
fsr-3222	345	19	for	for	ADP
fsr-3222	345	20	evaluating	evaluate	VERB
fsr-3222	345	21	fee	fee	NOUN
fsr-3222	345	22	disclosures	disclosure	NOUN
fsr-3222	345	23	.	.	PUNCT
fsr-3222	346	1	the	the	DET
fsr-3222	346	2	fog	fog	PROPN
fsr-3222	346	3	index	index	PROPN
fsr-3222	346	4	,	,	PUNCT
fsr-3222	346	5	sometimes	sometimes	ADV
fsr-3222	346	6	called	call	VERB
fsr-3222	346	7	the	the	DET
fsr-3222	346	8	gunning	gunning	NOUN
fsr-3222	346	9	-	-	PUNCT
fsr-3222	346	10	fog	fog	NOUN
fsr-3222	346	11	index	index	NOUN
fsr-3222	346	12	,	,	PUNCT
fsr-3222	346	13	developed	develop	VERB
fsr-3222	346	14	by	by	ADP
fsr-3222	346	15	robert	robert	PROPN
fsr-3222	346	16	gunning	gunning	PROPN
fsr-3222	346	17	(	(	PUNCT
fsr-3222	346	18	1952	1952	NUM
fsr-3222	346	19	)	)	PUNCT
fsr-3222	346	20	,	,	PUNCT
fsr-3222	346	21	bases	base	VERB
fsr-3222	346	22	readability	readability	NOUN
fsr-3222	346	23	on	on	ADP
fsr-3222	346	24	sentence	sentence	NOUN
fsr-3222	346	25	length	length	NOUN
fsr-3222	346	26	and	and	CCONJ
fsr-3222	346	27	the	the	DET
fsr-3222	346	28	proportion	proportion	NOUN
fsr-3222	346	29	of	of	ADP
fsr-3222	346	30	words	word	NOUN
fsr-3222	346	31	with	with	ADP
fsr-3222	346	32	more	more	ADJ
fsr-3222	346	33	than	than	ADP
fsr-3222	346	34	two	two	NUM
fsr-3222	346	35	syllables	syllable	NOUN
fsr-3222	346	36	.	.	PUNCT
fsr-3222	347	1	in	in	ADP
fsr-3222	347	2	an	an	DET
fsr-3222	347	3	analysis	analysis	NOUN
fsr-3222	347	4	of	of	ADP
fsr-3222	347	5	the	the	DET
fsr-3222	347	6	use	use	NOUN
fsr-3222	347	7	of	of	ADP
fsr-3222	347	8	that	that	DET
fsr-3222	347	9	index	index	NOUN
fsr-3222	347	10	for	for	ADP
fsr-3222	347	11	measuring	measure	VERB
fsr-3222	347	12	the	the	DET
fsr-3222	347	13	readability	readability	NOUN
fsr-3222	347	14	of	of	ADP
fsr-3222	347	15	financial	financial	ADJ
fsr-3222	347	16	disclosures	disclosure	NOUN
fsr-3222	347	17	230	230	NUM
fsr-3222	347	18	l.a	l.a	PROPN
fsr-3222	347	19	.	.	PROPN
fsr-3222	347	20	muller	muller	PROPN
fsr-3222	347	21	,	,	PUNCT
fsr-3222	347	22	j.a	j.a	PROPN
fsr-3222	347	23	.	.	PROPN
fsr-3222	347	24	turner	turner	PROPN
fsr-3222	347	25	/	/	SYM
fsr-3222	347	26	financial	financial	ADJ
fsr-3222	347	27	services	service	NOUN
fsr-3222	347	28	review	review	VERB
fsr-3222	347	29	25	25	NUM
fsr-3222	347	30	(	(	PUNCT
fsr-3222	347	31	2016	2016	NUM
fsr-3222	347	32	)	)	PUNCT
fsr-3222	347	33	215–234	215–234	NUM
fsr-3222	347	34	loughran	loughran	NOUN
fsr-3222	347	35	and	and	CCONJ
fsr-3222	347	36	mcdonald	mcdonald	PROPN
fsr-3222	347	37	(	(	PUNCT
fsr-3222	347	38	2013	2013	NUM
fsr-3222	347	39	)	)	PUNCT
fsr-3222	347	40	conclude	conclude	VERB
fsr-3222	347	41	that	that	SCONJ
fsr-3222	347	42	it	it	PRON
fsr-3222	347	43	is	be	AUX
fsr-3222	347	44	not	not	PART
fsr-3222	347	45	well	well	ADV
fsr-3222	347	46	suited	suited	ADJ
fsr-3222	347	47	for	for	ADP
fsr-3222	347	48	measuring	measure	VERB
fsr-3222	347	49	the	the	DET
fsr-3222	347	50	complexity	complexity	NOUN
fsr-3222	347	51	of	of	ADP
fsr-3222	347	52	financial	financial	ADJ
fsr-3222	347	53	disclosures	disclosure	NOUN
fsr-3222	347	54	because	because	SCONJ
fsr-3222	347	55	words	word	NOUN
fsr-3222	347	56	with	with	ADP
fsr-3222	347	57	two	two	NUM
fsr-3222	347	58	or	or	CCONJ
fsr-3222	347	59	more	more	ADJ
fsr-3222	347	60	syllables	syllable	NOUN
fsr-3222	347	61	,	,	PUNCT
fsr-3222	347	62	such	such	ADJ
fsr-3222	347	63	as	as	ADP
fsr-3222	347	64	“	"	PUNCT
fsr-3222	347	65	corporation	corporation	NOUN
fsr-3222	347	66	,	,	PUNCT
fsr-3222	347	67	”	"	PUNCT
fsr-3222	347	68	are	be	AUX
fsr-3222	347	69	common	common	ADJ
fsr-3222	347	70	in	in	ADP
fsr-3222	347	71	financial	financial	ADJ
fsr-3222	347	72	disclosures	disclosure	NOUN
fsr-3222	347	73	.	.	PUNCT
fsr-3222	348	1	the	the	DET
fsr-3222	348	2	flesch	flesch	PROPN
fsr-3222	348	3	reading	read	VERB
fsr-3222	348	4	ease	ease	NOUN
fsr-3222	348	5	test	test	NOUN
fsr-3222	348	6	is	be	AUX
fsr-3222	348	7	also	also	ADV
fsr-3222	348	8	based	base	VERB
fsr-3222	348	9	on	on	ADP
fsr-3222	348	10	sentence	sentence	NOUN
fsr-3222	348	11	length	length	NOUN
fsr-3222	348	12	and	and	CCONJ
fsr-3222	348	13	the	the	DET
fsr-3222	348	14	average	average	ADJ
fsr-3222	348	15	number	number	NOUN
fsr-3222	348	16	of	of	ADP
fsr-3222	348	17	syllables	syllable	NOUN
fsr-3222	348	18	per	per	ADP
fsr-3222	348	19	word	word	NOUN
fsr-3222	348	20	(	(	PUNCT
fsr-3222	348	21	readability	readability	NOUN
fsr-3222	348	22	formulas	formula	NOUN
fsr-3222	348	23	,	,	PUNCT
fsr-3222	348	24	2013a	2013a	NUM
fsr-3222	348	25	)	)	PUNCT
fsr-3222	348	26	.	.	PUNCT
fsr-3222	349	1	acknowledgment	acknowledgment	NOUN
fsr-3222	349	2	we	we	PRON
fsr-3222	349	3	have	have	AUX
fsr-3222	349	4	received	receive	VERB
fsr-3222	349	5	helpful	helpful	ADJ
fsr-3222	349	6	comments	comment	NOUN
fsr-3222	349	7	from	from	ADP
fsr-3222	349	8	bernard	bernard	PROPN
fsr-3222	349	9	casey	casey	PROPN
fsr-3222	349	10	,	,	PUNCT
fsr-3222	349	11	vijay	vijay	NOUN
fsr-3222	349	12	gondhalekar	gondhalekar	NOUN
fsr-3222	349	13	,	,	PUNCT
fsr-3222	349	14	olivia	olivia	PROPN
fsr-3222	349	15	mitchell	mitchell	PROPN
fsr-3222	349	16	,	,	PUNCT
fsr-3222	349	17	david	david	PROPN
fsr-3222	349	18	mccarthy	mccarthy	PROPN
fsr-3222	349	19	,	,	PUNCT
fsr-3222	349	20	an	an	DET
fsr-3222	349	21	anonymous	anonymous	ADJ
fsr-3222	349	22	reviewer	reviewer	NOUN
fsr-3222	349	23	,	,	PUNCT
fsr-3222	349	24	and	and	CCONJ
fsr-3222	349	25	participants	participant	NOUN
fsr-3222	349	26	in	in	ADP
fsr-3222	349	27	the	the	DET
fsr-3222	349	28	21st	21st	ADJ
fsr-3222	349	29	annual	annual	ADJ
fsr-3222	349	30	conference	conference	NOUN
fsr-3222	349	31	of	of	ADP
fsr-3222	349	32	superannuation	superannuation	NOUN
fsr-3222	349	33	researchers	researcher	NOUN
fsr-3222	349	34	in	in	ADP
fsr-3222	349	35	sydney	sydney	PROPN
fsr-3222	349	36	,	,	PUNCT
fsr-3222	349	37	australia	australia	PROPN
fsr-3222	349	38	;	;	PUNCT
fsr-3222	349	39	the	the	DET
fsr-3222	349	40	conference	conference	NOUN
fsr-3222	349	41	on	on	ADP
fsr-3222	349	42	pension	pension	NOUN
fsr-3222	349	43	reforms	reform	NOUN
fsr-3222	349	44	in	in	ADP
fsr-3222	349	45	post	post	ADJ
fsr-3222	349	46	-	-	ADJ
fsr-3222	349	47	socialist	socialist	ADJ
fsr-3222	349	48	and	and	CCONJ
fsr-3222	349	49	other	other	ADJ
fsr-3222	349	50	countries	country	NOUN
fsr-3222	349	51	in	in	ADP
fsr-3222	349	52	poznan	poznan	PROPN
fsr-3222	349	53	,	,	PUNCT
fsr-3222	349	54	poland	poland	PROPN
fsr-3222	349	55	,	,	PUNCT
fsr-3222	349	56	the	the	DET
fsr-3222	349	57	2013	2013	NUM
fsr-3222	349	58	conference	conference	NOUN
fsr-3222	349	59	of	of	ADP
fsr-3222	349	60	the	the	DET
fsr-3222	349	61	european	european	ADJ
fsr-3222	349	62	network	network	NOUN
fsr-3222	349	63	for	for	ADP
fsr-3222	349	64	research	research	NOUN
fsr-3222	349	65	on	on	ADP
fsr-3222	349	66	supplementary	supplementary	ADJ
fsr-3222	349	67	pensions	pension	NOUN
fsr-3222	349	68	(	(	PUNCT
fsr-3222	349	69	enrsp	enrsp	PROPN
fsr-3222	349	70	)	)	PUNCT
fsr-3222	349	71	in	in	ADP
fsr-3222	349	72	münster	münster	NOUN
fsr-3222	349	73	,	,	PUNCT
fsr-3222	349	74	germany	germany	PROPN
fsr-3222	349	75	,	,	PUNCT
fsr-3222	349	76	and	and	CCONJ
fsr-3222	349	77	the	the	DET
fsr-3222	349	78	2015	2015	NUM
fsr-3222	349	79	western	western	ADJ
fsr-3222	349	80	economic	economic	ADJ
fsr-3222	349	81	association	association	PROPN
fsr-3222	349	82	international	international	ADJ
fsr-3222	349	83	conference	conference	PROPN
fsr-3222	349	84	in	in	ADP
fsr-3222	349	85	honolulu	honolulu	PROPN
fsr-3222	349	86	,	,	PUNCT
fsr-3222	349	87	hawaii	hawaii	PROPN
fsr-3222	349	88	.	.	PUNCT
fsr-3222	350	1	appendix	appendix	NOUN
fsr-3222	350	2	1	1	NUM
fsr-3222	350	3	:	:	PUNCT
fsr-3222	350	4	difficult	difficult	ADJ
fsr-3222	350	5	words	word	NOUN
fsr-3222	350	6	and	and	CCONJ
fsr-3222	350	7	concepts	concept	NOUN
fsr-3222	350	8	in	in	ADP
fsr-3222	350	9	financial	financial	ADJ
fsr-3222	350	10	disclosures	disclosure	NOUN
fsr-3222	350	11	the	the	DET
fsr-3222	350	12	following	follow	VERB
fsr-3222	350	13	is	be	AUX
fsr-3222	350	14	a	a	DET
fsr-3222	350	15	list	list	NOUN
fsr-3222	350	16	of	of	ADP
fsr-3222	350	17	words	word	NOUN
fsr-3222	350	18	or	or	CCONJ
fsr-3222	350	19	concepts	concept	NOUN
fsr-3222	350	20	that	that	PRON
fsr-3222	350	21	appear	appear	VERB
fsr-3222	350	22	in	in	ADP
fsr-3222	350	23	financial	financial	ADJ
fsr-3222	350	24	advisory	advisory	ADJ
fsr-3222	350	25	fee	fee	NOUN
fsr-3222	350	26	disclosures	disclosure	NOUN
fsr-3222	350	27	that	that	PRON
fsr-3222	350	28	are	be	AUX
fsr-3222	350	29	subjectively	subjectively	ADV
fsr-3222	350	30	rated	rate	VERB
fsr-3222	350	31	as	as	ADV
fsr-3222	350	32	difficult	difficult	ADJ
fsr-3222	350	33	in	in	ADP
fsr-3222	350	34	terms	term	NOUN
fsr-3222	350	35	of	of	ADP
fsr-3222	350	36	their	their	PRON
fsr-3222	350	37	effect	effect	NOUN
fsr-3222	350	38	on	on	ADP
fsr-3222	350	39	understanding	understand	VERB
fsr-3222	350	40	the	the	DET
fsr-3222	350	41	fees	fee	NOUN
fsr-3222	350	42	that	that	PRON
fsr-3222	350	43	a	a	DET
fsr-3222	350	44	person	person	NOUN
fsr-3222	350	45	would	would	AUX
fsr-3222	350	46	pay	pay	VERB
fsr-3222	350	47	.	.	PUNCT
fsr-3222	351	1	eligible	eligible	ADJ
fsr-3222	351	2	assets	asset	NOUN
fsr-3222	351	3	,	,	PUNCT
fsr-3222	351	4	gross	gross	ADJ
fsr-3222	351	5	assets	asset	NOUN
fsr-3222	351	6	,	,	PUNCT
fsr-3222	351	7	net	net	ADJ
fsr-3222	351	8	assets	asset	NOUN
fsr-3222	351	9	,	,	PUNCT
fsr-3222	351	10	gross	gross	ADJ
fsr-3222	351	11	fees	fee	NOUN
fsr-3222	351	12	,	,	PUNCT
fsr-3222	351	13	net	net	ADJ
fsr-3222	351	14	fees	fee	NOUN
fsr-3222	351	15	,	,	PUNCT
fsr-3222	351	16	12b-1	12b-1	NUM
fsr-3222	351	17	fees	fee	NOUN
fsr-3222	351	18	,	,	PUNCT
fsr-3222	351	19	transfer	transfer	NOUN
fsr-3222	351	20	fees	fee	NOUN
fsr-3222	351	21	,	,	PUNCT
fsr-3222	351	22	sec	sec	PROPN
fsr-3222	351	23	fees	fee	NOUN
fsr-3222	351	24	,	,	PUNCT
fsr-3222	351	25	wrap	wrap	NOUN
fsr-3222	351	26	fees	fee	NOUN
fsr-3222	351	27	,	,	PUNCT
fsr-3222	351	28	net	net	ADJ
fsr-3222	351	29	assets	asset	NOUN
fsr-3222	351	30	,	,	PUNCT
fsr-3222	351	31	load	load	NOUN
fsr-3222	351	32	,	,	PUNCT
fsr-3222	351	33	may	may	AUX
fsr-3222	351	34	.	.	PUNCT
fsr-3222	352	1	appendix	appendix	VERB
fsr-3222	352	2	2	2	NUM
fsr-3222	352	3	:	:	PUNCT
fsr-3222	352	4	survey	survey	VERB
fsr-3222	352	5	understanding	understand	VERB
fsr-3222	352	6	fees	fee	NOUN
fsr-3222	352	7	for	for	ADP
fsr-3222	352	8	financial	financial	ADJ
fsr-3222	352	9	products	product	NOUN
fsr-3222	352	10	and	and	CCONJ
fsr-3222	352	11	services	service	NOUN
fsr-3222	352	12	please	please	INTJ
fsr-3222	352	13	answer	answer	VERB
fsr-3222	352	14	the	the	DET
fsr-3222	352	15	following	follow	VERB
fsr-3222	352	16	questions	question	NOUN
fsr-3222	352	17	.	.	PUNCT
fsr-3222	353	1	you	you	PRON
fsr-3222	353	2	may	may	AUX
fsr-3222	353	3	use	use	VERB
fsr-3222	353	4	a	a	DET
fsr-3222	353	5	calculator	calculator	NOUN
fsr-3222	353	6	.	.	PUNCT
fsr-3222	354	1	demographic	demographic	ADJ
fsr-3222	354	2	questions	question	NOUN
fsr-3222	354	3	1	1	NUM
fsr-3222	354	4	.	.	PUNCT
fsr-3222	354	5	please	please	INTJ
fsr-3222	354	6	indicate	indicate	VERB
fsr-3222	354	7	your	your	PRON
fsr-3222	354	8	gender	gender	NOUN
fsr-3222	354	9	m	m	NOUN
fsr-3222	354	10	or	or	CCONJ
fsr-3222	354	11	f	f	PROPN
fsr-3222	354	12	2	2	NUM
fsr-3222	354	13	.	.	PUNCT
fsr-3222	355	1	what	what	PRON
fsr-3222	355	2	is	be	AUX
fsr-3222	355	3	your	your	PRON
fsr-3222	355	4	age	age	NOUN
fsr-3222	355	5	?	?	PUNCT
fsr-3222	356	1	3	3	X
fsr-3222	356	2	.	.	X
fsr-3222	356	3	is	be	AUX
fsr-3222	356	4	english	english	PROPN
fsr-3222	356	5	your	your	PRON
fsr-3222	356	6	native	native	ADJ
fsr-3222	356	7	language	language	NOUN
fsr-3222	356	8	?	?	PUNCT
fsr-3222	357	1	y	y	PROPN
fsr-3222	357	2	or	or	CCONJ
fsr-3222	357	3	n	n	PRON
fsr-3222	357	4	4	4	NUM
fsr-3222	357	5	.	.	PUNCT
fsr-3222	358	1	what	what	PRON
fsr-3222	358	2	is	be	AUX
fsr-3222	358	3	your	your	PRON
fsr-3222	358	4	major	major	ADJ
fsr-3222	358	5	/	/	SYM
fsr-3222	358	6	intended	intended	ADJ
fsr-3222	358	7	major	major	ADJ
fsr-3222	358	8	?	?	PUNCT
fsr-3222	358	9	fee	fee	NOUN
fsr-3222	358	10	disclosures	disclosure	NOUN
fsr-3222	358	11	for	for	ADP
fsr-3222	358	12	financial	financial	ADJ
fsr-3222	358	13	advice	advice	NOUN
fsr-3222	358	14	5	5	NUM
fsr-3222	358	15	.	.	PUNCT
fsr-3222	358	16	“	"	PUNCT
fsr-3222	358	17	start	start	VERB
fsr-3222	358	18	with	with	ADP
fsr-3222	358	19	a	a	DET
fsr-3222	358	20	free	free	ADJ
fsr-3222	358	21	60	60	NUM
fsr-3222	358	22	-	-	PUNCT
fsr-3222	358	23	day	day	NOUN
fsr-3222	358	24	trial	trial	NOUN
fsr-3222	358	25	,	,	PUNCT
fsr-3222	358	26	then	then	ADV
fsr-3222	358	27	pay	pay	VERB
fsr-3222	358	28	$	$	SYM
fsr-3222	358	29	100	100	NUM
fsr-3222	358	30	a	a	DET
fsr-3222	358	31	month	month	NOUN
fsr-3222	358	32	.	.	PUNCT
fsr-3222	358	33	”	"	PUNCT
fsr-3222	359	1	231l.a	231l.a	NOUN
fsr-3222	359	2	.	.	PUNCT
fsr-3222	360	1	muller	muller	PROPN
fsr-3222	360	2	,	,	PUNCT
fsr-3222	360	3	j.a	j.a	PROPN
fsr-3222	360	4	.	.	PROPN
fsr-3222	360	5	turner	turner	PROPN
fsr-3222	360	6	/	/	SYM
fsr-3222	360	7	financial	financial	ADJ
fsr-3222	360	8	services	service	NOUN
fsr-3222	360	9	review	review	VERB
fsr-3222	360	10	25	25	NUM
fsr-3222	360	11	(	(	PUNCT
fsr-3222	360	12	2016	2016	NUM
fsr-3222	360	13	)	)	PUNCT
fsr-3222	360	14	215–234	215–234	NUM
fsr-3222	360	15	a.	a.	NOUN
fsr-3222	360	16	based	base	VERB
fsr-3222	360	17	on	on	ADP
fsr-3222	360	18	that	that	DET
fsr-3222	360	19	fee	fee	NOUN
fsr-3222	360	20	structure	structure	NOUN
fsr-3222	360	21	,	,	PUNCT
fsr-3222	360	22	how	how	SCONJ
fsr-3222	360	23	much	much	ADJ
fsr-3222	360	24	would	would	AUX
fsr-3222	360	25	you	you	PRON
fsr-3222	360	26	pay	pay	VERB
fsr-3222	360	27	the	the	DET
fsr-3222	360	28	first	first	ADJ
fsr-3222	360	29	year	year	NOUN
fsr-3222	360	30	for	for	ADP
fsr-3222	360	31	an	an	DET
fsr-3222	360	32	investment	investment	NOUN
fsr-3222	360	33	account	account	NOUN
fsr-3222	360	34	that	that	PRON
fsr-3222	360	35	averaged	average	VERB
fsr-3222	360	36	$	$	SYM
fsr-3222	360	37	500,000	500,000	NUM
fsr-3222	360	38	over	over	ADP
fsr-3222	360	39	the	the	DET
fsr-3222	360	40	year	year	NOUN
fsr-3222	360	41	?	?	PUNCT
fsr-3222	361	1	check	check	VERB
fsr-3222	361	2	one	one	NUM
fsr-3222	361	3	.	.	PUNCT
fsr-3222	362	1	ca	can	AUX
fsr-3222	362	2	n’t	not	PART
fsr-3222	362	3	determine	determine	VERB
fsr-3222	362	4	from	from	ADP
fsr-3222	362	5	the	the	DET
fsr-3222	362	6	information	information	NOUN
fsr-3222	362	7	.	.	PUNCT
fsr-3222	363	1	the	the	DET
fsr-3222	363	2	amount	amount	NOUN
fsr-3222	363	3	would	would	AUX
fsr-3222	363	4	be	be	AUX
fsr-3222	363	5	.	.	PUNCT
fsr-3222	364	1	i	i	PRON
fsr-3222	364	2	do	do	AUX
fsr-3222	364	3	n’t	not	PART
fsr-3222	364	4	know	know	VERB
fsr-3222	364	5	b.	b.	PROPN
fsr-3222	364	6	on	on	ADP
fsr-3222	364	7	a	a	DET
fsr-3222	364	8	scale	scale	NOUN
fsr-3222	364	9	of	of	ADP
fsr-3222	364	10	1	1	NUM
fsr-3222	364	11	to	to	PART
fsr-3222	364	12	10	10	NUM
fsr-3222	364	13	,	,	PUNCT
fsr-3222	364	14	with	with	ADP
fsr-3222	364	15	1	1	NUM
fsr-3222	364	16	being	be	AUX
fsr-3222	364	17	easy	easy	ADJ
fsr-3222	364	18	and	and	CCONJ
fsr-3222	364	19	10	10	NUM
fsr-3222	364	20	being	be	AUX
fsr-3222	364	21	impossible	impossible	ADJ
fsr-3222	364	22	,	,	PUNCT
fsr-3222	364	23	how	how	SCONJ
fsr-3222	364	24	difficult	difficult	ADJ
fsr-3222	364	25	was	be	AUX
fsr-3222	364	26	it	it	PRON
fsr-3222	364	27	to	to	PART
fsr-3222	364	28	answer	answer	VERB
fsr-3222	364	29	question	question	NOUN
fsr-3222	364	30	5a	5a	NUM
fsr-3222	364	31	?	?	PUNCT
fsr-3222	365	1	6	6	NUM
fsr-3222	365	2	.	.	PUNCT
fsr-3222	366	1	“	"	PUNCT
fsr-3222	366	2	we	we	PRON
fsr-3222	366	3	feature	feature	VERB
fsr-3222	366	4	a	a	DET
fsr-3222	366	5	single	single	ADJ
fsr-3222	366	6	annual	annual	ADJ
fsr-3222	366	7	fee	fee	NOUN
fsr-3222	366	8	,	,	PUNCT
fsr-3222	366	9	calculated	calculate	VERB
fsr-3222	366	10	and	and	CCONJ
fsr-3222	366	11	debited	debit	VERB
fsr-3222	366	12	quarterly	quarterly	ADV
fsr-3222	366	13	from	from	ADP
fsr-3222	366	14	your	your	PRON
fsr-3222	366	15	account	account	NOUN
fsr-3222	366	16	.	.	PUNCT
fsr-3222	367	1	it	it	PRON
fsr-3222	367	2	appears	appear	VERB
fsr-3222	367	3	directly	directly	ADV
fsr-3222	367	4	on	on	ADP
fsr-3222	367	5	your	your	PRON
fsr-3222	367	6	statement	statement	NOUN
fsr-3222	367	7	.	.	PUNCT
fsr-3222	368	1	the	the	DET
fsr-3222	368	2	annual	annual	ADJ
fsr-3222	368	3	fee	fee	NOUN
fsr-3222	368	4	schedule	schedule	NOUN
fsr-3222	368	5	is	be	AUX
fsr-3222	368	6	shown	show	VERB
fsr-3222	368	7	below	below	ADP
fsr-3222	368	8	.	.	PUNCT
fsr-3222	368	9	”	"	PUNCT
fsr-3222	368	10	amount	amount	NOUN
fsr-3222	368	11	invested	invest	VERB
fsr-3222	368	12	fee	fee	NOUN
fsr-3222	368	13	first	first	ADJ
fsr-3222	368	14	$	$	SYM
fsr-3222	368	15	150,000	150,000	NUM
fsr-3222	368	16	2.00	2.00	NUM
fsr-3222	368	17	%	%	NOUN
fsr-3222	368	18	next	next	ADJ
fsr-3222	368	19	$	$	SYM
fsr-3222	368	20	250,000	250,000	NUM
fsr-3222	368	21	1.65	1.65	NUM
fsr-3222	368	22	%	%	NOUN
fsr-3222	368	23	next	next	ADJ
fsr-3222	368	24	$	$	SYM
fsr-3222	368	25	350,000	350,000	NUM
fsr-3222	368	26	1.25	1.25	NUM
fsr-3222	368	27	%	%	NOUN
fsr-3222	368	28	next	next	ADJ
fsr-3222	368	29	$	$	SYM
fsr-3222	368	30	250,000	250,000	NUM
fsr-3222	368	31	1.00	1.00	NUM
fsr-3222	368	32	%	%	NOUN
fsr-3222	368	33	next	next	ADJ
fsr-3222	368	34	$	$	SYM
fsr-3222	368	35	2	2	NUM
fsr-3222	368	36	million	million	NUM
fsr-3222	368	37	0.75	0.75	NUM
fsr-3222	368	38	%	%	NOUN
fsr-3222	368	39	next	next	ADP
fsr-3222	368	40	$	$	SYM
fsr-3222	368	41	7	7	NUM
fsr-3222	368	42	million	million	NUM
fsr-3222	368	43	0.60	0.60	NUM
fsr-3222	368	44	%	%	NOUN
fsr-3222	368	45	next	next	ADJ
fsr-3222	368	46	$	$	SYM
fsr-3222	368	47	15	15	NUM
fsr-3222	368	48	million	million	NUM
fsr-3222	368	49	0.50	0.50	NUM
fsr-3222	368	50	%	%	NOUN
fsr-3222	368	51	above	above	ADP
fsr-3222	368	52	$	$	SYM
fsr-3222	368	53	25	25	NUM
fsr-3222	368	54	million	million	NUM
fsr-3222	368	55	negotiable	negotiable	ADJ
fsr-3222	368	56	a.	a.	NOUN
fsr-3222	368	57	based	base	VERB
fsr-3222	368	58	on	on	ADP
fsr-3222	368	59	that	that	DET
fsr-3222	368	60	fee	fee	NOUN
fsr-3222	368	61	structure	structure	NOUN
fsr-3222	368	62	,	,	PUNCT
fsr-3222	368	63	how	how	SCONJ
fsr-3222	368	64	much	much	ADJ
fsr-3222	368	65	would	would	AUX
fsr-3222	368	66	you	you	PRON
fsr-3222	368	67	pay	pay	VERB
fsr-3222	368	68	the	the	DET
fsr-3222	368	69	first	first	ADJ
fsr-3222	368	70	year	year	NOUN
fsr-3222	368	71	for	for	ADP
fsr-3222	368	72	an	an	DET
fsr-3222	368	73	investment	investment	NOUN
fsr-3222	368	74	account	account	NOUN
fsr-3222	368	75	that	that	PRON
fsr-3222	368	76	averaged	average	VERB
fsr-3222	368	77	$	$	SYM
fsr-3222	368	78	500,000	500,000	NUM
fsr-3222	368	79	over	over	ADP
fsr-3222	368	80	the	the	DET
fsr-3222	368	81	year	year	NOUN
fsr-3222	368	82	?	?	PUNCT
fsr-3222	369	1	for	for	ADP
fsr-3222	369	2	simplicity	simplicity	NOUN
fsr-3222	369	3	,	,	PUNCT
fsr-3222	369	4	assume	assume	VERB
fsr-3222	369	5	the	the	DET
fsr-3222	369	6	account	account	NOUN
fsr-3222	369	7	balance	balance	NOUN
fsr-3222	369	8	is	be	AUX
fsr-3222	369	9	$	$	SYM
fsr-3222	369	10	500,000	500,000	NUM
fsr-3222	369	11	each	each	DET
fsr-3222	369	12	quarter	quarter	NOUN
fsr-3222	369	13	.	.	PUNCT
fsr-3222	370	1	check	check	VERB
fsr-3222	370	2	one	one	NUM
fsr-3222	370	3	.	.	PUNCT
fsr-3222	371	1	ca	can	AUX
fsr-3222	371	2	n’t	not	PART
fsr-3222	371	3	determine	determine	VERB
fsr-3222	371	4	from	from	ADP
fsr-3222	371	5	the	the	DET
fsr-3222	371	6	information	information	NOUN
fsr-3222	371	7	.	.	PUNCT
fsr-3222	372	1	the	the	DET
fsr-3222	372	2	amount	amount	NOUN
fsr-3222	372	3	would	would	AUX
fsr-3222	372	4	be	be	AUX
fsr-3222	372	5	.	.	PUNCT
fsr-3222	373	1	do	do	AUX
fsr-3222	373	2	n’t	not	PART
fsr-3222	373	3	know	know	VERB
fsr-3222	373	4	b.	b.	PROPN
fsr-3222	373	5	on	on	ADP
fsr-3222	373	6	a	a	DET
fsr-3222	373	7	scale	scale	NOUN
fsr-3222	373	8	of	of	ADP
fsr-3222	373	9	1	1	NUM
fsr-3222	373	10	to	to	PART
fsr-3222	373	11	10	10	NUM
fsr-3222	373	12	,	,	PUNCT
fsr-3222	373	13	with	with	ADP
fsr-3222	373	14	1	1	NUM
fsr-3222	373	15	being	be	AUX
fsr-3222	373	16	easy	easy	ADJ
fsr-3222	373	17	and	and	CCONJ
fsr-3222	373	18	10	10	NUM
fsr-3222	373	19	being	be	AUX
fsr-3222	373	20	impossible	impossible	ADJ
fsr-3222	373	21	,	,	PUNCT
fsr-3222	373	22	how	how	SCONJ
fsr-3222	373	23	difficult	difficult	ADJ
fsr-3222	373	24	was	be	AUX
fsr-3222	373	25	it	it	PRON
fsr-3222	373	26	to	to	PART
fsr-3222	373	27	answer	answer	VERB
fsr-3222	373	28	question	question	NOUN
fsr-3222	373	29	6a	6a	NOUN
fsr-3222	373	30	?	?	PUNCT
fsr-3222	374	1	references	reference	NOUN
fsr-3222	374	2	abeler	abeler	NOUN
fsr-3222	374	3	,	,	PUNCT
fsr-3222	374	4	j.	j.	PROPN
fsr-3222	374	5	,	,	PUNCT
fsr-3222	374	6	&	&	CCONJ
fsr-3222	374	7	jäger	jäger	PROPN
fsr-3222	374	8	,	,	PUNCT
fsr-3222	374	9	s.	s.	PROPN
fsr-3222	374	10	(	(	PUNCT
fsr-3222	374	11	2015	2015	NUM
fsr-3222	374	12	)	)	PUNCT
fsr-3222	374	13	.	.	PUNCT
fsr-3222	375	1	complex	complex	ADJ
fsr-3222	375	2	tax	tax	NOUN
fsr-3222	375	3	incentives	incentive	NOUN
fsr-3222	375	4	.	.	PUNCT
fsr-3222	376	1	american	american	ADJ
fsr-3222	376	2	economic	economic	ADJ
fsr-3222	376	3	journal	journal	PROPN
fsr-3222	376	4	:	:	PUNCT
fsr-3222	376	5	economic	economic	ADJ
fsr-3222	376	6	policy	policy	NOUN
fsr-3222	376	7	,	,	PUNCT
fsr-3222	376	8	7	7	NUM
fsr-3222	376	9	,	,	PUNCT
fsr-3222	376	10	1–28	1–28	PROPN
fsr-3222	376	11	.	.	PUNCT
fsr-3222	377	1	allgood	allgood	PROPN
fsr-3222	377	2	,	,	PUNCT
fsr-3222	377	3	s.	s.	PROPN
fsr-3222	377	4	,	,	PUNCT
fsr-3222	377	5	bosshardt	bosshardt	PROPN
fsr-3222	377	6	,	,	PUNCT
fsr-3222	377	7	w.	w.	PROPN
fsr-3222	377	8	,	,	PUNCT
fsr-3222	377	9	van	van	PROPN
fsr-3222	377	10	der	der	PROPN
fsr-3222	377	11	klaauw	klaauw	PROPN
fsr-3222	377	12	,	,	PUNCT
fsr-3222	377	13	w.	w.	PROPN
fsr-3222	377	14	,	,	PUNCT
fsr-3222	377	15	&	&	CCONJ
fsr-3222	377	16	watts	watts	PROPN
fsr-3222	377	17	,	,	PUNCT
fsr-3222	377	18	m.	m.	NOUN
fsr-3222	377	19	(	(	PUNCT
fsr-3222	377	20	2011	2011	NUM
fsr-3222	377	21	)	)	PUNCT
fsr-3222	377	22	.	.	PUNCT
fsr-3222	378	1	economics	economic	NOUN
fsr-3222	378	2	coursework	coursework	NOUN
fsr-3222	378	3	and	and	CCONJ
fsr-3222	378	4	long	long	ADJ
fsr-3222	378	5	-	-	PUNCT
fsr-3222	378	6	term	term	NOUN
fsr-3222	378	7	behavior	behavior	NOUN
fsr-3222	378	8	and	and	CCONJ
fsr-3222	378	9	experiences	experience	NOUN
fsr-3222	378	10	of	of	ADP
fsr-3222	378	11	college	college	NOUN
fsr-3222	378	12	graduates	graduate	NOUN
fsr-3222	378	13	in	in	ADP
fsr-3222	378	14	labor	labor	NOUN
fsr-3222	378	15	markets	market	NOUN
fsr-3222	378	16	and	and	CCONJ
fsr-3222	378	17	personal	personal	ADJ
fsr-3222	378	18	finance	finance	NOUN
fsr-3222	378	19	.	.	PUNCT
fsr-3222	379	1	economic	economic	ADJ
fsr-3222	379	2	inquiry	inquiry	NOUN
fsr-3222	379	3	,	,	PUNCT
fsr-3222	379	4	49	49	NUM
fsr-3222	379	5	,	,	PUNCT
fsr-3222	379	6	771–794	771–794	NUM
fsr-3222	379	7	.	.	PUNCT
fsr-3222	380	1	black	black	ADJ
fsr-3222	380	2	,	,	PUNCT
fsr-3222	380	3	k.	k.	PROPN
fsr-3222	380	4	,	,	PUNCT
fsr-3222	380	5	ciccotello	ciccotello	PROPN
fsr-3222	380	6	,	,	PUNCT
fsr-3222	380	7	c.	c.	PROPN
fsr-3222	380	8	s.	s.	PROPN
fsr-3222	380	9	,	,	PUNCT
fsr-3222	380	10	&	&	CCONJ
fsr-3222	380	11	skipper	skipper	PROPN
fsr-3222	380	12	,	,	PUNCT
fsr-3222	380	13	h.	h.	PROPN
fsr-3222	380	14	d.	d.	PROPN
fsr-3222	380	15	(	(	PUNCT
fsr-3222	380	16	2002	2002	NUM
fsr-3222	380	17	)	)	PUNCT
fsr-3222	380	18	.	.	PUNCT
fsr-3222	381	1	issues	issue	NOUN
fsr-3222	381	2	in	in	ADP
fsr-3222	381	3	comprehensive	comprehensive	ADJ
fsr-3222	381	4	personal	personal	ADJ
fsr-3222	381	5	financial	financial	ADJ
fsr-3222	381	6	planning	planning	NOUN
fsr-3222	381	7	.	.	PUNCT
fsr-3222	382	1	financial	financial	ADJ
fsr-3222	382	2	services	service	NOUN
fsr-3222	382	3	review	review	PROPN
fsr-3222	382	4	,	,	PUNCT
fsr-3222	382	5	11	11	NUM
fsr-3222	382	6	,	,	PUNCT
fsr-3222	382	7	1–9	1–9	PROPN
fsr-3222	382	8	.	.	PUNCT
fsr-3222	382	9	blackrock	blackrock	PROPN
fsr-3222	382	10	.	.	PUNCT
fsr-3222	383	1	(	(	PUNCT
fsr-3222	383	2	2013	2013	NUM
fsr-3222	383	3	)	)	PUNCT
fsr-3222	383	4	.	.	PUNCT
fsr-3222	384	1	what	what	PRON
fsr-3222	384	2	are	be	AUX
fsr-3222	384	3	managed	manage	VERB
fsr-3222	384	4	accounts	account	NOUN
fsr-3222	384	5	?	?	PUNCT
fsr-3222	385	1	http://www2.blackrock.com/us/individual-investors/productsperformance/managed-accounts	http://www2.blackrock.com/us/individual-investors/productsperformance/managed-account	NOUN
fsr-3222	385	2	.	.	PUNCT
fsr-3222	386	1	bricker	bricker	NOUN
fsr-3222	386	2	,	,	PUNCT
fsr-3222	386	3	j.	j.	PROPN
fsr-3222	386	4	,	,	PUNCT
fsr-3222	386	5	kennickel	kennickel	PROPN
fsr-3222	386	6	,	,	PUNCT
fsr-3222	386	7	a.	a.	PROPN
fsr-3222	386	8	,	,	PUNCT
fsr-3222	386	9	moore	moore	PROPN
fsr-3222	386	10	,	,	PUNCT
fsr-3222	386	11	k.	k.	PROPN
fsr-3222	386	12	,	,	PUNCT
fsr-3222	386	13	&	&	CCONJ
fsr-3222	386	14	sabelhaus	sabelhaus	PROPN
fsr-3222	386	15	,	,	PUNCT
fsr-3222	386	16	j.	j.	PROPN
fsr-3222	386	17	(	(	PUNCT
fsr-3222	386	18	2012	2012	NUM
fsr-3222	386	19	)	)	PUNCT
fsr-3222	386	20	.	.	PUNCT
fsr-3222	387	1	changes	change	NOUN
fsr-3222	387	2	in	in	ADP
fsr-3222	387	3	u.s	u.s	PROPN
fsr-3222	387	4	.	.	PROPN
fsr-3222	387	5	family	family	NOUN
fsr-3222	387	6	finances	finance	NOUN
fsr-3222	387	7	from	from	ADP
fsr-3222	387	8	2007	2007	NUM
fsr-3222	387	9	to	to	ADP
fsr-3222	387	10	2010	2010	NUM
fsr-3222	387	11	:	:	PUNCT
fsr-3222	387	12	evidence	evidence	NOUN
fsr-3222	387	13	from	from	ADP
fsr-3222	387	14	the	the	DET
fsr-3222	387	15	survey	survey	NOUN
fsr-3222	387	16	of	of	ADP
fsr-3222	387	17	consumer	consumer	NOUN
fsr-3222	387	18	finances	finance	NOUN
fsr-3222	387	19	.	.	PUNCT
fsr-3222	388	1	federal	federal	PROPN
fsr-3222	388	2	reserve	reserve	PROPN
fsr-3222	388	3	bulletin	bulletin	PROPN
fsr-3222	388	4	,	,	PUNCT
fsr-3222	388	5	98	98	NUM
fsr-3222	388	6	.	.	PUNCT
fsr-3222	389	1	carlin	carlin	PROPN
fsr-3222	389	2	,	,	PUNCT
fsr-3222	389	3	b.	b.	PROPN
fsr-3222	389	4	(	(	PUNCT
fsr-3222	389	5	2009	2009	NUM
fsr-3222	389	6	)	)	PUNCT
fsr-3222	389	7	.	.	PUNCT
fsr-3222	390	1	strategic	strategic	ADJ
fsr-3222	390	2	price	price	NOUN
fsr-3222	390	3	complexity	complexity	NOUN
fsr-3222	390	4	in	in	ADP
fsr-3222	390	5	retail	retail	ADJ
fsr-3222	390	6	financial	financial	ADJ
fsr-3222	390	7	markets	market	NOUN
fsr-3222	390	8	.	.	PUNCT
fsr-3222	391	1	journal	journal	NOUN
fsr-3222	391	2	of	of	ADP
fsr-3222	391	3	financial	financial	ADJ
fsr-3222	391	4	economics	economic	NOUN
fsr-3222	391	5	,	,	PUNCT
fsr-3222	391	6	91	91	NUM
fsr-3222	391	7	,	,	PUNCT
fsr-3222	391	8	278–87	278–87	NUM
fsr-3222	391	9	.	.	PUNCT
fsr-3222	392	1	choi	choi	NOUN
fsr-3222	392	2	,	,	PUNCT
fsr-3222	392	3	j.j	j.j	PROPN
fsr-3222	392	4	.	.	PROPN
fsr-3222	392	5	,	,	PUNCT
fsr-3222	392	6	laibson	laibson	PROPN
fsr-3222	392	7	,	,	PUNCT
fsr-3222	392	8	d.	d.	PROPN
fsr-3222	392	9	,	,	PUNCT
fsr-3222	392	10	&	&	CCONJ
fsr-3222	392	11	madrian	madrian	PROPN
fsr-3222	392	12	,	,	PUNCT
fsr-3222	392	13	c.	c.	PROPN
fsr-3222	392	14	(	(	PUNCT
fsr-3222	392	15	2010	2010	NUM
fsr-3222	392	16	)	)	PUNCT
fsr-3222	392	17	.	.	PUNCT
fsr-3222	393	1	why	why	SCONJ
fsr-3222	393	2	does	do	AUX
fsr-3222	393	3	the	the	DET
fsr-3222	393	4	law	law	NOUN
fsr-3222	393	5	of	of	ADP
fsr-3222	393	6	one	one	NUM
fsr-3222	393	7	price	price	NOUN
fsr-3222	393	8	fail	fail	ADJ
fsr-3222	393	9	?	?	PUNCT
fsr-3222	394	1	an	an	DET
fsr-3222	394	2	experiment	experiment	NOUN
fsr-3222	394	3	using	use	VERB
fsr-3222	394	4	index	index	NOUN
fsr-3222	394	5	mutual	mutual	ADJ
fsr-3222	394	6	funds	fund	NOUN
fsr-3222	394	7	.	.	PUNCT
fsr-3222	395	1	journal	journal	NOUN
fsr-3222	395	2	of	of	ADP
fsr-3222	395	3	financial	financial	ADJ
fsr-3222	395	4	studies	study	NOUN
fsr-3222	395	5	,	,	PUNCT
fsr-3222	395	6	23	23	NUM
fsr-3222	395	7	,	,	PUNCT
fsr-3222	395	8	1405–1432	1405–1432	NUM
fsr-3222	395	9	.	.	PUNCT
fsr-3222	396	1	dale	dale	PROPN
fsr-3222	396	2	,	,	PUNCT
fsr-3222	396	3	e.	e.	PROPN
fsr-3222	396	4	,	,	PUNCT
fsr-3222	396	5	&	&	CCONJ
fsr-3222	396	6	chall	chall	PROPN
fsr-3222	396	7	,	,	PUNCT
fsr-3222	396	8	j.	j.	PROPN
fsr-3222	396	9	(	(	PUNCT
fsr-3222	396	10	1948	1948	NUM
fsr-3222	396	11	)	)	PUNCT
fsr-3222	396	12	.	.	PUNCT
fsr-3222	397	1	a	a	DET
fsr-3222	397	2	formula	formula	NOUN
fsr-3222	397	3	for	for	ADP
fsr-3222	397	4	predicting	predict	VERB
fsr-3222	397	5	readability	readability	NOUN
fsr-3222	397	6	.	.	PUNCT
fsr-3222	398	1	educational	educational	ADJ
fsr-3222	398	2	research	research	NOUN
fsr-3222	398	3	bulletin	bulletin	NOUN
fsr-3222	398	4	,	,	PUNCT
fsr-3222	398	5	11–20	11–20	NUM
fsr-3222	398	6	.	.	NOUN
fsr-3222	398	7	232	232	NUM
fsr-3222	399	1	l.a	l.a	PROPN
fsr-3222	399	2	.	.	PROPN
fsr-3222	399	3	muller	muller	PROPN
fsr-3222	399	4	,	,	PUNCT
fsr-3222	399	5	j.a	j.a	PROPN
fsr-3222	399	6	.	.	PROPN
fsr-3222	399	7	turner	turner	PROPN
fsr-3222	399	8	/	/	SYM
fsr-3222	399	9	financial	financial	ADJ
fsr-3222	399	10	services	service	NOUN
fsr-3222	399	11	review	review	VERB
fsr-3222	399	12	25	25	NUM
fsr-3222	399	13	(	(	PUNCT
fsr-3222	399	14	2016	2016	NUM
fsr-3222	399	15	)	)	PUNCT
fsr-3222	399	16	215–234	215–234	NUM
fsr-3222	399	17	edelman	edelman	ADJ
fsr-3222	399	18	financial	financial	ADJ
fsr-3222	399	19	services	service	NOUN
fsr-3222	399	20	.	.	PUNCT
fsr-3222	400	1	(	(	PUNCT
fsr-3222	400	2	2013	2013	NUM
fsr-3222	400	3	)	)	PUNCT
fsr-3222	400	4	.	.	PUNCT
fsr-3222	401	1	invest	invest	VERB
fsr-3222	401	2	with	with	ADP
fsr-3222	401	3	edelman	edelman	ADJ
fsr-3222	401	4	financial	financial	ADJ
fsr-3222	401	5	(	(	PUNCT
fsr-3222	401	6	available	available	ADJ
fsr-3222	401	7	at	at	ADP
fsr-3222	401	8	http://www.ricedelman.com/	http://www.ricedelman.com/	NOUN
fsr-3222	401	9	cs	cs	PROPN
fsr-3222	401	10	/	/	SYM
fsr-3222	401	11	invest_with_edelman	invest_with_edelman	NOUN
fsr-3222	401	12	/	/	SYM
fsr-3222	401	13	investment_management_how_emap_works	investment_management_how_emap_work	NOUN
fsr-3222	401	14	)	)	PUNCT
fsr-3222	401	15	.	.	PUNCT
fsr-3222	402	1	ellison	ellison	PROPN
fsr-3222	402	2	,	,	PUNCT
fsr-3222	402	3	g.	g.	PROPN
fsr-3222	402	4	,	,	PUNCT
fsr-3222	402	5	&	&	CCONJ
fsr-3222	402	6	ellison	ellison	PROPN
fsr-3222	402	7	,	,	PUNCT
fsr-3222	402	8	s.	s.	PROPN
fsr-3222	402	9	(	(	PUNCT
fsr-3222	402	10	2009	2009	NUM
fsr-3222	402	11	)	)	PUNCT
fsr-3222	402	12	.	.	PUNCT
fsr-3222	403	1	search	search	NOUN
fsr-3222	403	2	,	,	PUNCT
fsr-3222	403	3	obfuscation	obfuscation	NOUN
fsr-3222	403	4	,	,	PUNCT
fsr-3222	403	5	and	and	CCONJ
fsr-3222	403	6	price	price	NOUN
fsr-3222	403	7	elasticities	elasticity	NOUN
fsr-3222	403	8	on	on	ADP
fsr-3222	403	9	the	the	DET
fsr-3222	403	10	internet	internet	NOUN
fsr-3222	403	11	.	.	PUNCT
fsr-3222	404	1	econometrica	econometrica	PROPN
fsr-3222	404	2	,	,	PUNCT
fsr-3222	404	3	77	77	NUM
fsr-3222	404	4	,	,	PUNCT
fsr-3222	404	5	427–452	427–452	NUM
fsr-3222	404	6	.	.	PUNCT
fsr-3222	405	1	ellison	ellison	PROPN
fsr-3222	405	2	,	,	PUNCT
fsr-3222	405	3	g.	g.	PROPN
fsr-3222	405	4	,	,	PUNCT
fsr-3222	405	5	&	&	CCONJ
fsr-3222	405	6	wolitzky	wolitzky	PROPN
fsr-3222	405	7	,	,	PUNCT
fsr-3222	405	8	a.	a.	NOUN
fsr-3222	405	9	(	(	PUNCT
fsr-3222	405	10	2012	2012	NUM
fsr-3222	405	11	)	)	PUNCT
fsr-3222	405	12	.	.	PUNCT
fsr-3222	406	1	a	a	DET
fsr-3222	406	2	search	search	NOUN
fsr-3222	406	3	cost	cost	NOUN
fsr-3222	406	4	model	model	NOUN
fsr-3222	406	5	of	of	ADP
fsr-3222	406	6	obfuscation	obfuscation	NOUN
fsr-3222	406	7	.	.	PUNCT
fsr-3222	407	1	rand	rand	NOUN
fsr-3222	407	2	journal	journal	PROPN
fsr-3222	407	3	of	of	ADP
fsr-3222	407	4	economics	economic	NOUN
fsr-3222	407	5	,	,	PUNCT
fsr-3222	407	6	43	43	NUM
fsr-3222	407	7	,	,	PUNCT
fsr-3222	407	8	417–441	417–441	NUM
fsr-3222	407	9	.	.	PUNCT
fsr-3222	408	1	fidelity	fidelity	PROPN
fsr-3222	408	2	.	.	PUNCT
fsr-3222	409	1	(	(	PUNCT
fsr-3222	409	2	2013	2013	NUM
fsr-3222	409	3	)	)	PUNCT
fsr-3222	409	4	.	.	PUNCT
fsr-3222	410	1	fidelity	fidelity	PROPN
fsr-3222	410	2	managed	manage	VERB
fsr-3222	410	3	accounts	account	NOUN
fsr-3222	410	4	(	(	PUNCT
fsr-3222	410	5	available	available	ADJ
fsr-3222	410	6	at	at	ADP
fsr-3222	410	7	https://www.fidelity.com/managed-accounts/services	https://www.fidelity.com/managed-accounts/service	NOUN
fsr-3222	410	8	)	)	PUNCT
fsr-3222	410	9	.	.	PUNCT
fsr-3222	411	1	franklin	franklin	PROPN
fsr-3222	411	2	templeton	templeton	PROPN
fsr-3222	411	3	investments	investments	PROPN
fsr-3222	411	4	.	.	PUNCT
fsr-3222	412	1	(	(	PUNCT
fsr-3222	412	2	2013	2013	NUM
fsr-3222	412	3	)	)	PUNCT
fsr-3222	412	4	.	.	PUNCT
fsr-3222	413	1	separately	separately	ADV
fsr-3222	413	2	managed	manage	VERB
fsr-3222	413	3	accounts	account	NOUN
fsr-3222	413	4	(	(	PUNCT
fsr-3222	413	5	available	available	ADJ
fsr-3222	413	6	at	at	ADP
fsr-3222	413	7	https://www.franklintempleton.com/	https://www.franklintempleton.com/	ADJ
fsr-3222	413	8	retail	retail	NOUN
fsr-3222	413	9	/	/	SYM
fsr-3222	413	10	pages	page	NOUN
fsr-3222	413	11	/	/	SYM
fsr-3222	413	12	generic_content	generic_content	NOUN
fsr-3222	413	13	/	/	SYM
fsr-3222	413	14	prog_serv	prog_serv	NOUN
fsr-3222	413	15	/	/	SYM
fsr-3222	413	16	ftpa	ftpa	NOUN
fsr-3222	413	17	/	/	SYM
fsr-3222	413	18	separately_mgd_accts.jsf	separately_mgd_accts.jsf	NUM
fsr-3222	413	19	)	)	PUNCT
fsr-3222	413	20	.	.	PUNCT
fsr-3222	414	1	gunning	gunning	NOUN
fsr-3222	414	2	,	,	PUNCT
fsr-3222	414	3	r.	r.	PROPN
fsr-3222	414	4	(	(	PUNCT
fsr-3222	414	5	1952	1952	NUM
fsr-3222	414	6	)	)	PUNCT
fsr-3222	414	7	.	.	PUNCT
fsr-3222	415	1	the	the	DET
fsr-3222	415	2	technique	technique	NOUN
fsr-3222	415	3	of	of	ADP
fsr-3222	415	4	clear	clear	ADJ
fsr-3222	415	5	writing	writing	NOUN
fsr-3222	415	6	.	.	PUNCT
fsr-3222	416	1	new	new	PROPN
fsr-3222	416	2	york	york	PROPN
fsr-3222	416	3	:	:	PUNCT
fsr-3222	416	4	mcgraw	mcgraw	PROPN
fsr-3222	416	5	-	-	PUNCT
fsr-3222	416	6	hill	hill	PROPN
fsr-3222	416	7	.	.	PUNCT
fsr-3222	417	1	healy	healy	PROPN
fsr-3222	417	2	,	,	PUNCT
fsr-3222	417	3	p.	p.	PROPN
fsr-3222	417	4	(	(	PUNCT
fsr-3222	417	5	1977	1977	NUM
fsr-3222	417	6	)	)	PUNCT
fsr-3222	417	7	.	.	PUNCT
fsr-3222	418	1	can	can	AUX
fsr-3222	418	2	you	you	PRON
fsr-3222	418	3	understand	understand	VERB
fsr-3222	418	4	the	the	DET
fsr-3222	418	5	footnotes	footnote	NOUN
fsr-3222	418	6	to	to	ADP
fsr-3222	418	7	financial	financial	ADJ
fsr-3222	418	8	statements	statement	NOUN
fsr-3222	418	9	?	?	PUNCT
fsr-3222	419	1	accountants	accountant	NOUN
fsr-3222	419	2	journal	journal	NOUN
fsr-3222	419	3	,	,	PUNCT
fsr-3222	419	4	219–222	219–222	NUM
fsr-3222	419	5	.	.	PUNCT
fsr-3222	420	1	ho	ho	PROPN
fsr-3222	420	2	,	,	PUNCT
fsr-3222	420	3	k.	k.	PROPN
fsr-3222	420	4	,	,	PUNCT
fsr-3222	420	5	hogan	hogan	PROPN
fsr-3222	420	6	,	,	PUNCT
fsr-3222	420	7	j.	j.	PROPN
fsr-3222	420	8	,	,	PUNCT
fsr-3222	420	9	&	&	CCONJ
fsr-3222	420	10	morton	morton	PROPN
fsr-3222	420	11	,	,	PUNCT
fsr-3222	420	12	f.	f.	PROPN
fsr-3222	420	13	(	(	PUNCT
fsr-3222	420	14	2015	2015	NUM
fsr-3222	420	15	)	)	PUNCT
fsr-3222	420	16	.	.	PUNCT
fsr-3222	421	1	the	the	DET
fsr-3222	421	2	impact	impact	NOUN
fsr-3222	421	3	of	of	ADP
fsr-3222	421	4	consumer	consumer	NOUN
fsr-3222	421	5	inattention	inattention	NOUN
fsr-3222	421	6	on	on	ADP
fsr-3222	421	7	insurer	insurer	NOUN
fsr-3222	421	8	pricing	pricing	NOUN
fsr-3222	421	9	in	in	ADP
fsr-3222	421	10	the	the	DET
fsr-3222	421	11	medicare	medicare	PROPN
fsr-3222	421	12	part	part	NOUN
fsr-3222	421	13	d	d	PROPN
fsr-3222	421	14	program	program	NOUN
fsr-3222	421	15	.	.	PUNCT
fsr-3222	422	1	nber	nber	PROPN
fsr-3222	422	2	working	working	PROPN
fsr-3222	422	3	paper	paper	PROPN
fsr-3222	422	4	no	no	INTJ
fsr-3222	422	5	.	.	PROPN
fsr-3222	422	6	21028	21028	NUM
fsr-3222	422	7	.	.	PUNCT
fsr-3222	423	1	hung	hung	PROPN
fsr-3222	423	2	,	,	PUNCT
fsr-3222	423	3	a.	a.	NOUN
fsr-3222	423	4	a.	a.	PROPN
fsr-3222	423	5	,	,	PUNCT
fsr-3222	423	6	clancy	clancy	NOUN
fsr-3222	423	7	,	,	PUNCT
fsr-3222	423	8	n.	n.	NOUN
fsr-3222	423	9	,	,	PUNCT
fsr-3222	423	10	dominitz	dominitz	PROPN
fsr-3222	423	11	,	,	PUNCT
fsr-3222	423	12	j.	j.	PROPN
fsr-3222	423	13	,	,	PUNCT
fsr-3222	423	14	talley	talley	PROPN
fsr-3222	423	15	,	,	PUNCT
fsr-3222	423	16	e.	e.	PROPN
fsr-3222	423	17	,	,	PUNCT
fsr-3222	423	18	berrebi	berrebi	PROPN
fsr-3222	423	19	,	,	PUNCT
fsr-3222	423	20	c.	c.	PROPN
fsr-3222	423	21	,	,	PUNCT
fsr-3222	423	22	&	&	CCONJ
fsr-3222	423	23	suvankulov	suvankulov	PROPN
fsr-3222	423	24	,	,	PUNCT
fsr-3222	423	25	f.	f.	PROPN
fsr-3222	423	26	(	(	PUNCT
fsr-3222	423	27	2008	2008	NUM
fsr-3222	423	28	)	)	PUNCT
fsr-3222	423	29	.	.	PUNCT
fsr-3222	424	1	investor	investor	NOUN
fsr-3222	424	2	and	and	CCONJ
fsr-3222	424	3	industry	industry	NOUN
fsr-3222	424	4	perspectives	perspective	NOUN
fsr-3222	424	5	on	on	ADP
fsr-3222	424	6	investment	investment	NOUN
fsr-3222	424	7	advisors	advisor	NOUN
fsr-3222	424	8	and	and	CCONJ
fsr-3222	424	9	broker	broker	NOUN
fsr-3222	424	10	-	-	PUNCT
fsr-3222	424	11	dealers	dealer	NOUN
fsr-3222	424	12	.	.	PUNCT
fsr-3222	425	1	lrn	lrn	NOUN
fsr-3222	425	2	-	-	PUNCT
fsr-3222	425	3	rand	rand	NOUN
fsr-3222	425	4	center	center	NOUN
fsr-3222	425	5	for	for	ADP
fsr-3222	425	6	corporate	corporate	ADJ
fsr-3222	425	7	ethics	ethic	NOUN
fsr-3222	425	8	,	,	PUNCT
fsr-3222	425	9	law	law	NOUN
fsr-3222	425	10	,	,	PUNCT
fsr-3222	425	11	and	and	CCONJ
fsr-3222	425	12	governance	governance	NOUN
fsr-3222	425	13	within	within	ADP
fsr-3222	425	14	the	the	DET
fsr-3222	425	15	rand	rand	NOUN
fsr-3222	425	16	institute	institute	NOUN
fsr-3222	425	17	for	for	ADP
fsr-3222	425	18	civil	civil	ADJ
fsr-3222	425	19	justice	justice	NOUN
fsr-3222	425	20	and	and	CCONJ
fsr-3222	425	21	commissioned	commission	VERB
fsr-3222	425	22	by	by	ADP
fsr-3222	425	23	the	the	DET
fsr-3222	425	24	u.s	u.s	PROPN
fsr-3222	425	25	.	.	PROPN
fsr-3222	425	26	securities	securities	PROPN
fsr-3222	425	27	and	and	CCONJ
fsr-3222	425	28	exchange	exchange	PROPN
fsr-3222	425	29	commission	commission	PROPN
fsr-3222	425	30	(	(	PUNCT
fsr-3222	425	31	sec	sec	PROPN
fsr-3222	425	32	)	)	PUNCT
fsr-3222	425	33	(	(	PUNCT
fsr-3222	425	34	available	available	ADJ
fsr-3222	425	35	at	at	ADP
fsr-3222	425	36	https://www.sec.gov/news/press/2008/2008–1_randiabdreport	https://www.sec.gov/news/press/2008/2008–1_randiabdreport	NOUN
fsr-3222	425	37	.	.	PUNCT
fsr-3222	425	38	pdf	pdf	NOUN
fsr-3222	425	39	)	)	PUNCT
fsr-3222	425	40	.	.	PUNCT
fsr-3222	426	1	joint	joint	ADJ
fsr-3222	426	2	forum	forum	NOUN
fsr-3222	426	3	of	of	ADP
fsr-3222	426	4	financial	financial	ADJ
fsr-3222	426	5	market	market	NOUN
fsr-3222	426	6	regulators	regulator	NOUN
fsr-3222	426	7	(	(	PUNCT
fsr-3222	426	8	canada	canada	PROPN
fsr-3222	426	9	)	)	PUNCT
fsr-3222	426	10	.	.	PUNCT
fsr-3222	427	1	(	(	PUNCT
fsr-3222	427	2	2004	2004	NUM
fsr-3222	427	3	)	)	PUNCT
fsr-3222	427	4	.	.	PUNCT
fsr-3222	428	1	guidelines	guideline	NOUN
fsr-3222	428	2	for	for	ADP
fsr-3222	428	3	capital	capital	NOUN
fsr-3222	428	4	accumulation	accumulation	NOUN
fsr-3222	428	5	plans	plan	NOUN
fsr-3222	428	6	,	,	PUNCT
fsr-3222	428	7	(	(	PUNCT
fsr-3222	428	8	may	may	PROPN
fsr-3222	428	9	28	28	NUM
fsr-3222	428	10	)	)	PUNCT
fsr-3222	428	11	.	.	PUNCT
fsr-3222	429	1	lachance	lachance	NOUN
fsr-3222	429	2	,	,	PUNCT
fsr-3222	429	3	m.-e	m.-e	PROPN
fsr-3222	429	4	.	.	PUNCT
fsr-3222	429	5	,	,	PUNCT
fsr-3222	429	6	&	&	CCONJ
fsr-3222	429	7	tang	tang	PROPN
fsr-3222	429	8	,	,	PUNCT
fsr-3222	429	9	n.	n.	NOUN
fsr-3222	429	10	(	(	PUNCT
fsr-3222	429	11	2012	2012	NUM
fsr-3222	429	12	)	)	PUNCT
fsr-3222	429	13	.	.	PUNCT
fsr-3222	430	1	financial	financial	ADJ
fsr-3222	430	2	advice	advice	NOUN
fsr-3222	430	3	and	and	CCONJ
fsr-3222	430	4	trust	trust	NOUN
fsr-3222	430	5	.	.	PUNCT
fsr-3222	431	1	financial	financial	ADJ
fsr-3222	431	2	services	services	PROPN
fsr-3222	431	3	review	review	PROPN
fsr-3222	431	4	,	,	PUNCT
fsr-3222	431	5	21	21	NUM
fsr-3222	431	6	,	,	PUNCT
fsr-3222	431	7	209–226	209–226	NUM
fsr-3222	431	8	.	.	PUNCT
fsr-3222	432	1	li	li	PROPN
fsr-3222	432	2	,	,	PUNCT
fsr-3222	432	3	f.	f.	PROPN
fsr-3222	432	4	(	(	PUNCT
fsr-3222	432	5	2008	2008	NUM
fsr-3222	432	6	)	)	PUNCT
fsr-3222	432	7	.	.	PUNCT
fsr-3222	433	1	annual	annual	ADJ
fsr-3222	433	2	report	report	NOUN
fsr-3222	433	3	readability	readability	NOUN
fsr-3222	433	4	,	,	PUNCT
fsr-3222	433	5	current	current	ADJ
fsr-3222	433	6	earnings	earning	NOUN
fsr-3222	433	7	,	,	PUNCT
fsr-3222	433	8	and	and	CCONJ
fsr-3222	433	9	earnings	earning	NOUN
fsr-3222	433	10	persistence	persistence	NOUN
fsr-3222	433	11	.	.	PUNCT
fsr-3222	434	1	journal	journal	NOUN
fsr-3222	434	2	of	of	ADP
fsr-3222	434	3	accounting	accounting	NOUN
fsr-3222	434	4	and	and	CCONJ
fsr-3222	434	5	economics	economic	NOUN
fsr-3222	434	6	,	,	PUNCT
fsr-3222	434	7	45	45	NUM
fsr-3222	434	8	,	,	PUNCT
fsr-3222	434	9	221–247	221–247	NUM
fsr-3222	434	10	.	.	PUNCT
fsr-3222	435	1	loughran	loughran	NOUN
fsr-3222	435	2	,	,	PUNCT
fsr-3222	435	3	t.	t.	PROPN
fsr-3222	435	4	&	&	CCONJ
fsr-3222	435	5	mcdonald	mcdonald	PROPN
fsr-3222	435	6	,	,	PUNCT
fsr-3222	435	7	b.	b.	PROPN
fsr-3222	435	8	(	(	PUNCT
fsr-3222	435	9	2013	2013	NUM
fsr-3222	435	10	)	)	PUNCT
fsr-3222	435	11	.	.	PUNCT
fsr-3222	436	1	measuring	measure	VERB
fsr-3222	436	2	readability	readability	NOUN
fsr-3222	436	3	in	in	ADP
fsr-3222	436	4	financial	financial	ADJ
fsr-3222	436	5	disclosures	disclosure	NOUN
fsr-3222	436	6	(	(	PUNCT
fsr-3222	436	7	available	available	ADJ
fsr-3222	436	8	at	at	ADP
fsr-3222	436	9	http://	http://	PROPN
fsr-3222	436	10	papers.ssrn.com/sol3/papers.cfm?abstract_id�1920411	papers.ssrn.com/sol3/papers.cfm?abstract_id�1920411	PROPN
fsr-3222	436	11	)	)	PUNCT
fsr-3222	436	12	.	.	PUNCT
fsr-3222	437	1	lusardi	lusardi	PROPN
fsr-3222	437	2	,	,	PUNCT
fsr-3222	437	3	a.	a.	PROPN
fsr-3222	437	4	,	,	PUNCT
fsr-3222	437	5	&	&	CCONJ
fsr-3222	437	6	mitchell	mitchell	PROPN
fsr-3222	437	7	,	,	PUNCT
fsr-3222	437	8	o.	o.	PROPN
fsr-3222	437	9	(	(	PUNCT
fsr-3222	437	10	2007	2007	NUM
fsr-3222	437	11	)	)	PUNCT
fsr-3222	437	12	.	.	PUNCT
fsr-3222	438	1	baby	baby	NOUN
fsr-3222	438	2	boomer	boomer	PROPN
fsr-3222	438	3	retirement	retirement	PROPN
fsr-3222	438	4	security	security	PROPN
fsr-3222	438	5	:	:	PUNCT
fsr-3222	438	6	the	the	DET
fsr-3222	438	7	roles	role	NOUN
fsr-3222	438	8	of	of	ADP
fsr-3222	438	9	planning	planning	NOUN
fsr-3222	438	10	,	,	PUNCT
fsr-3222	438	11	financial	financial	ADJ
fsr-3222	438	12	literacy	literacy	NOUN
fsr-3222	438	13	,	,	PUNCT
fsr-3222	438	14	and	and	CCONJ
fsr-3222	438	15	housing	housing	NOUN
fsr-3222	438	16	wealth	wealth	NOUN
fsr-3222	438	17	.	.	PUNCT
fsr-3222	439	1	journal	journal	PROPN
fsr-3222	439	2	of	of	ADP
fsr-3222	439	3	monetary	monetary	ADJ
fsr-3222	439	4	economics	economic	NOUN
fsr-3222	439	5	,	,	PUNCT
fsr-3222	439	6	54	54	NUM
fsr-3222	439	7	,	,	PUNCT
fsr-3222	439	8	205–224	205–224	NUM
fsr-3222	439	9	.	.	PUNCT
fsr-3222	440	1	lusardi	lusardi	PROPN
fsr-3222	440	2	,	,	PUNCT
fsr-3222	440	3	a.	a.	PROPN
fsr-3222	440	4	,	,	PUNCT
fsr-3222	440	5	&	&	CCONJ
fsr-3222	440	6	mitchell	mitchell	PROPN
fsr-3222	440	7	,	,	PUNCT
fsr-3222	440	8	o.	o.	PROPN
fsr-3222	440	9	(	(	PUNCT
fsr-3222	440	10	2008	2008	NUM
fsr-3222	440	11	)	)	PUNCT
fsr-3222	440	12	.	.	PUNCT
fsr-3222	441	1	planning	planning	NOUN
fsr-3222	441	2	and	and	CCONJ
fsr-3222	441	3	financial	financial	ADJ
fsr-3222	441	4	literacy	literacy	NOUN
fsr-3222	441	5	:	:	PUNCT
fsr-3222	441	6	how	how	SCONJ
fsr-3222	441	7	do	do	AUX
fsr-3222	441	8	women	woman	NOUN
fsr-3222	441	9	fare	fare	VERB
fsr-3222	441	10	?	?	PUNCT
fsr-3222	442	1	nber	nber	PROPN
fsr-3222	442	2	working	working	PROPN
fsr-3222	442	3	paper	paper	PROPN
fsr-3222	442	4	no	no	INTJ
fsr-3222	442	5	.	.	PROPN
fsr-3222	442	6	13750	13750	NUM
fsr-3222	442	7	,	,	PUNCT
fsr-3222	442	8	(	(	PUNCT
fsr-3222	442	9	january	january	PROPN
fsr-3222	442	10	)	)	PUNCT
fsr-3222	442	11	.	.	PUNCT
fsr-3222	443	1	lusardi	lusardi	PROPN
fsr-3222	443	2	,	,	PUNCT
fsr-3222	443	3	a.	a.	PROPN
fsr-3222	443	4	,	,	PUNCT
fsr-3222	443	5	&	&	CCONJ
fsr-3222	443	6	mitchell	mitchell	PROPN
fsr-3222	443	7	,	,	PUNCT
fsr-3222	443	8	o.	o.	PROPN
fsr-3222	443	9	(	(	PUNCT
fsr-3222	443	10	2011	2011	NUM
fsr-3222	443	11	)	)	PUNCT
fsr-3222	443	12	.	.	PUNCT
fsr-3222	444	1	financial	financial	ADJ
fsr-3222	444	2	literacy	literacy	NOUN
fsr-3222	444	3	around	around	ADP
fsr-3222	444	4	the	the	DET
fsr-3222	444	5	world	world	NOUN
fsr-3222	444	6	:	:	PUNCT
fsr-3222	444	7	an	an	DET
fsr-3222	444	8	overview	overview	NOUN
fsr-3222	444	9	.	.	PUNCT
fsr-3222	445	1	nber	nber	PROPN
fsr-3222	445	2	working	working	PROPN
fsr-3222	445	3	paper	paper	PROPN
fsr-3222	445	4	no	no	INTJ
fsr-3222	445	5	.	.	PROPN
fsr-3222	445	6	17107	17107	NUM
fsr-3222	446	1	(	(	PUNCT
fsr-3222	446	2	available	available	ADJ
fsr-3222	446	3	at	at	ADP
fsr-3222	446	4	https://core.ac.uk/download/files/153/6358633.pdf	https://core.ac.uk/download/files/153/6358633.pdf	PROPN
fsr-3222	446	5	)	)	PUNCT
fsr-3222	446	6	.	.	PUNCT
fsr-3222	447	1	maxey	maxey	PROPN
fsr-3222	447	2	,	,	PUNCT
fsr-3222	447	3	d.	d.	PROPN
fsr-3222	447	4	(	(	PUNCT
fsr-3222	447	5	2011	2011	NUM
fsr-3222	447	6	)	)	PUNCT
fsr-3222	447	7	.	.	PUNCT
fsr-3222	448	1	how	how	SCONJ
fsr-3222	448	2	to	to	PART
fsr-3222	448	3	pay	pay	VERB
fsr-3222	448	4	your	your	PRON
fsr-3222	448	5	financial	financial	ADJ
fsr-3222	448	6	adviser	adviser	NOUN
fsr-3222	448	7	,	,	PUNCT
fsr-3222	448	8	the	the	DET
fsr-3222	448	9	wall	wall	PROPN
fsr-3222	448	10	street	street	PROPN
fsr-3222	448	11	journal	journal	PROPN
fsr-3222	448	12	,	,	PUNCT
fsr-3222	448	13	december	december	PROPN
fsr-3222	448	14	12	12	NUM
fsr-3222	448	15	(	(	PUNCT
fsr-3222	448	16	available	available	ADJ
fsr-3222	448	17	at	at	ADP
fsr-3222	448	18	http://online.wsj.com/article/sb10001424052970204554204577024152103830414.html	http://online.wsj.com/article/sb10001424052970204554204577024152103830414.html	PROPN
fsr-3222	448	19	)	)	PUNCT
fsr-3222	448	20	.	.	PUNCT
fsr-3222	449	1	mazzoli	mazzoli	PROPN
fsr-3222	449	2	,	,	PUNCT
fsr-3222	449	3	c.	c.	PROPN
fsr-3222	449	4	,	,	PUNCT
fsr-3222	449	5	&	&	CCONJ
fsr-3222	449	6	nicolini	nicolini	PROPN
fsr-3222	449	7	,	,	PUNCT
fsr-3222	449	8	g.	g.	PROPN
fsr-3222	449	9	(	(	PUNCT
fsr-3222	449	10	2010	2010	NUM
fsr-3222	449	11	)	)	PUNCT
fsr-3222	449	12	.	.	PUNCT
fsr-3222	450	1	to	to	PART
fsr-3222	450	2	fee	fee	VERB
fsr-3222	450	3	or	or	CCONJ
fsr-3222	450	4	not	not	PART
fsr-3222	450	5	to	to	PART
fsr-3222	450	6	fee	fee	VERB
fsr-3222	450	7	:	:	PUNCT
fsr-3222	450	8	pricing	pricing	NOUN
fsr-3222	450	9	policies	policy	NOUN
fsr-3222	450	10	in	in	ADP
fsr-3222	450	11	financial	financial	ADJ
fsr-3222	450	12	counseling	counseling	NOUN
fsr-3222	450	13	.	.	PUNCT
fsr-3222	451	1	financial	financial	ADJ
fsr-3222	451	2	services	service	NOUN
fsr-3222	451	3	review	review	PROPN
fsr-3222	451	4	,	,	PUNCT
fsr-3222	451	5	19	19	NUM
fsr-3222	451	6	,	,	PUNCT
fsr-3222	451	7	307–322	307–322	NUM
fsr-3222	451	8	(	(	PUNCT
fsr-3222	451	9	available	available	ADJ
fsr-3222	451	10	at	at	ADP
fsr-3222	451	11	https://www.researchgate.net/profile/gianni_nicolini/publication/	https://www.researchgate.net/profile/gianni_nicolini/publication/	PROPN
fsr-3222	451	12	46536799_to_fee_or_not_to_fee_pricing_models_in_financial_counselling	46536799_to_fee_or_not_to_fee_pricing_models_in_financial_counselling	NUM
fsr-3222	451	13	/	/	SYM
fsr-3222	451	14	links/5441490f0cf2a6a049a	links/5441490f0cf2a6a049a	PROPN
fsr-3222	451	15	56e3e.pdf	56e3e.pdf	NOUN
fsr-3222	451	16	)	)	PUNCT
fsr-3222	451	17	.	.	PUNCT
fsr-3222	452	1	mccarthy	mccarthy	PROPN
fsr-3222	452	2	,	,	PUNCT
fsr-3222	452	3	d.	d.	PROPN
fsr-3222	452	4	,	,	PUNCT
fsr-3222	452	5	&	&	CCONJ
fsr-3222	452	6	turner	turner	PROPN
fsr-3222	452	7	,	,	PUNCT
fsr-3222	452	8	j.(2000	j.(2000	PROPN
fsr-3222	452	9	)	)	PUNCT
fsr-3222	452	10	.	.	PUNCT
fsr-3222	453	1	pension	pension	NOUN
fsr-3222	453	2	education	education	NOUN
fsr-3222	453	3	:	:	PUNCT
fsr-3222	453	4	does	do	AUX
fsr-3222	453	5	it	it	PRON
fsr-3222	453	6	help	help	VERB
fsr-3222	453	7	?	?	PUNCT
fsr-3222	454	1	does	do	AUX
fsr-3222	454	2	it	it	PRON
fsr-3222	454	3	matter	matter	VERB
fsr-3222	454	4	?	?	PUNCT
fsr-3222	455	1	benefits	benefit	NOUN
fsr-3222	455	2	quarterly	quarterly	ADV
fsr-3222	455	3	,	,	PUNCT
fsr-3222	455	4	16	16	NUM
fsr-3222	455	5	,	,	PUNCT
fsr-3222	455	6	64–72	64–72	NOUN
fsr-3222	455	7	.	.	PUNCT
fsr-3222	456	1	readability	readability	NOUN
fsr-3222	456	2	formulas	formula	NOUN
fsr-3222	456	3	.	.	PUNCT
fsr-3222	457	1	(	(	PUNCT
fsr-3222	457	2	2013a	2013a	NUM
fsr-3222	457	3	)	)	PUNCT
fsr-3222	457	4	.	.	PUNCT
fsr-3222	458	1	the	the	DET
fsr-3222	458	2	flesch	flesch	PROPN
fsr-3222	458	3	grade	grade	NOUN
fsr-3222	458	4	level	level	NOUN
fsr-3222	458	5	readability	readability	NOUN
fsr-3222	458	6	formula	formula	NOUN
fsr-3222	458	7	(	(	PUNCT
fsr-3222	458	8	available	available	ADJ
fsr-3222	458	9	at	at	ADP
fsr-3222	458	10	http://www.readabilityformulas.com/flesch-grade-level-readability-formula.php	http://www.readabilityformulas.com/flesch-grade-level-readability-formula.php	NUM
fsr-3222	458	11	)	)	PUNCT
fsr-3222	458	12	.	.	PUNCT
fsr-3222	459	1	readability	readability	NOUN
fsr-3222	459	2	formulas	formula	NOUN
fsr-3222	459	3	.	.	PUNCT
fsr-3222	460	1	(	(	PUNCT
fsr-3222	460	2	2013b	2013b	NUM
fsr-3222	460	3	)	)	PUNCT
fsr-3222	460	4	.	.	PUNCT
fsr-3222	461	1	free	free	ADJ
fsr-3222	461	2	dale	dale	NOUN
fsr-3222	461	3	-	-	PUNCT
fsr-3222	461	4	chall	chall	NOUN
fsr-3222	461	5	readability	readability	NOUN
fsr-3222	461	6	formula	formula	NOUN
fsr-3222	461	7	with	with	ADP
fsr-3222	461	8	word	word	NOUN
fsr-3222	461	9	list	list	NOUN
fsr-3222	461	10	—	—	PUNCT
fsr-3222	461	11	original	original	ADJ
fsr-3222	461	12	and	and	CCONJ
fsr-3222	461	13	revised	revised	ADJ
fsr-3222	461	14	versions	version	NOUN
fsr-3222	461	15	(	(	PUNCT
fsr-3222	461	16	available	available	ADJ
fsr-3222	461	17	at	at	ADP
fsr-3222	461	18	http://www.readabilityformulas.com/free-dale-chall-test.php	http://www.readabilityformulas.com/free-dale-chall-test.php	PROPN
fsr-3222	461	19	)	)	PUNCT
fsr-3222	461	20	.	.	PUNCT
fsr-3222	462	1	roth	roth	PROPN
fsr-3222	462	2	,	,	PUNCT
fsr-3222	462	3	a.	a.	NOUN
fsr-3222	462	4	(	(	PUNCT
fsr-3222	462	5	2012	2012	NUM
fsr-3222	462	6	)	)	PUNCT
fsr-3222	462	7	.	.	PUNCT
fsr-3222	463	1	morningstar	morningstar	PROPN
fsr-3222	463	2	grades	grade	NOUN
fsr-3222	463	3	ten	ten	NUM
fsr-3222	463	4	largest	large	ADJ
fsr-3222	463	5	mutual	mutual	ADJ
fsr-3222	463	6	fund	fund	NOUN
fsr-3222	463	7	families	family	NOUN
fsr-3222	463	8	.	.	PUNCT
fsr-3222	464	1	moneywatch	moneywatch	PROPN
fsr-3222	464	2	,	,	PUNCT
fsr-3222	464	3	(	(	PUNCT
fsr-3222	464	4	july	july	PROPN
fsr-3222	464	5	9	9	NUM
fsr-3222	464	6	)	)	PUNCT
fsr-3222	464	7	.	.	PUNCT
fsr-3222	465	1	sanner	sanner	NOUN
fsr-3222	465	2	,	,	PUNCT
fsr-3222	465	3	b.	b.	PROPN
fsr-3222	465	4	(	(	PUNCT
fsr-3222	465	5	2003	2003	NUM
fsr-3222	465	6	)	)	PUNCT
fsr-3222	465	7	.	.	PUNCT
fsr-3222	466	1	are	be	AUX
fsr-3222	466	2	your	your	PRON
fsr-3222	466	3	written	write	VERB
fsr-3222	466	4	materials	material	NOUN
fsr-3222	466	5	missing	miss	VERB
fsr-3222	466	6	the	the	DET
fsr-3222	466	7	mark	mark	NOUN
fsr-3222	466	8	?	?	PUNCT
fsr-3222	467	1	journal	journal	NOUN
fsr-3222	467	2	on	on	ADP
fsr-3222	467	3	active	active	ADJ
fsr-3222	467	4	aging	aging	NOUN
fsr-3222	467	5	,	,	PUNCT
fsr-3222	467	6	(	(	PUNCT
fsr-3222	467	7	july	july	PROPN
fsr-3222	467	8	-	-	PUNCT
fsr-3222	467	9	august	august	PROPN
fsr-3222	467	10	)	)	PUNCT
fsr-3222	467	11	,	,	PUNCT
fsr-3222	467	12	18–24	18–24	NUM
fsr-3222	467	13	.	.	PUNCT
fsr-3222	468	1	smith	smith	PROPN
fsr-3222	468	2	,	,	PUNCT
fsr-3222	468	3	m.	m.	NOUN
fsr-3222	468	4	,	,	PUNCT
fsr-3222	468	5	&	&	CCONJ
fsr-3222	468	6	taffler	taffler	PROPN
fsr-3222	468	7	,	,	PUNCT
fsr-3222	468	8	r.	r.	PROPN
fsr-3222	468	9	j.(1992	j.(1992	PROPN
fsr-3222	468	10	)	)	PUNCT
fsr-3222	468	11	.	.	PUNCT
fsr-3222	469	1	the	the	DET
fsr-3222	469	2	chairperson	chairperson	NOUN
fsr-3222	469	3	’s	’s	PART
fsr-3222	469	4	statement	statement	NOUN
fsr-3222	469	5	and	and	CCONJ
fsr-3222	469	6	financial	financial	ADJ
fsr-3222	469	7	performance	performance	NOUN
fsr-3222	469	8	.	.	PUNCT
fsr-3222	470	1	accounting	accounting	NOUN
fsr-3222	470	2	and	and	CCONJ
fsr-3222	470	3	finance	finance	NOUN
fsr-3222	470	4	,	,	PUNCT
fsr-3222	470	5	32	32	NUM
fsr-3222	470	6	,	,	PUNCT
fsr-3222	470	7	75–90	75–90	NUM
fsr-3222	470	8	.	.	PUNCT
fsr-3222	471	1	smith	smith	PROPN
fsr-3222	471	2	,	,	PUNCT
fsr-3222	471	3	m.	m.	NOUN
fsr-3222	471	4	,	,	PUNCT
fsr-3222	471	5	&	&	CCONJ
fsr-3222	471	6	taffler	taffler	PROPN
fsr-3222	471	7	,	,	PUNCT
fsr-3222	471	8	r.	r.	PROPN
fsr-3222	471	9	j.	j.	PROPN
fsr-3222	471	10	(	(	PUNCT
fsr-3222	471	11	2000	2000	NUM
fsr-3222	471	12	)	)	PUNCT
fsr-3222	471	13	.	.	PUNCT
fsr-3222	472	1	the	the	DET
fsr-3222	472	2	chairperson	chairperson	NOUN
fsr-3222	472	3	’s	’s	PART
fsr-3222	472	4	statement	statement	NOUN
fsr-3222	472	5	:	:	PUNCT
fsr-3222	472	6	a	a	DET
fsr-3222	472	7	content	content	NOUN
fsr-3222	472	8	analysis	analysis	NOUN
fsr-3222	472	9	of	of	ADP
fsr-3222	472	10	discretionary	discretionary	ADJ
fsr-3222	472	11	narrative	narrative	NOUN
fsr-3222	472	12	disclosures	disclosure	NOUN
fsr-3222	472	13	.	.	PUNCT
fsr-3222	473	1	accounting	accounting	NOUN
fsr-3222	473	2	,	,	PUNCT
fsr-3222	473	3	auditing	auditing	NOUN
fsr-3222	473	4	&	&	CCONJ
fsr-3222	473	5	accountability	accountability	NOUN
fsr-3222	473	6	journal	journal	NOUN
fsr-3222	473	7	,	,	PUNCT
fsr-3222	473	8	13	13	NUM
fsr-3222	473	9	,	,	PUNCT
fsr-3222	473	10	624–647	624–647	NUM
fsr-3222	473	11	.	.	PUNCT
fsr-3222	474	1	smith	smith	PROPN
fsr-3222	474	2	,	,	PUNCT
fsr-3222	474	3	j.	j.	PROPN
fsr-3222	474	4	e.	e.	PROPN
fsr-3222	474	5	,	,	PUNCT
fsr-3222	474	6	&	&	CCONJ
fsr-3222	474	7	smith	smith	PROPN
fsr-3222	474	8	,	,	PUNCT
fsr-3222	474	9	n.	n.	PROPN
fsr-3222	474	10	p.(1971	p.(1971	PROPN
fsr-3222	474	11	)	)	PUNCT
fsr-3222	474	12	.	.	PUNCT
fsr-3222	475	1	readability	readability	NOUN
fsr-3222	475	2	:	:	PUNCT
fsr-3222	475	3	a	a	DET
fsr-3222	475	4	measure	measure	NOUN
fsr-3222	475	5	of	of	ADP
fsr-3222	475	6	the	the	DET
fsr-3222	475	7	performance	performance	NOUN
fsr-3222	475	8	of	of	ADP
fsr-3222	475	9	the	the	DET
fsr-3222	475	10	communication	communication	NOUN
fsr-3222	475	11	function	function	NOUN
fsr-3222	475	12	of	of	ADP
fsr-3222	475	13	financial	financial	ADJ
fsr-3222	475	14	reporting	reporting	NOUN
fsr-3222	475	15	.	.	PUNCT
fsr-3222	476	1	accounting	accounting	NOUN
fsr-3222	476	2	review	review	PROPN
fsr-3222	476	3	,	,	PUNCT
fsr-3222	476	4	46	46	NUM
fsr-3222	476	5	,	,	PUNCT
fsr-3222	476	6	552–561	552–561	NUM
fsr-3222	476	7	.	.	PUNCT
fsr-3222	477	1	233l.a	233l.a	NOUN
fsr-3222	477	2	.	.	PUNCT
fsr-3222	478	1	muller	muller	NOUN
fsr-3222	478	2	,	,	PUNCT
fsr-3222	478	3	j.a	j.a	PROPN
fsr-3222	478	4	.	.	PROPN
fsr-3222	478	5	turner	turner	PROPN
fsr-3222	478	6	/	/	SYM
fsr-3222	478	7	financial	financial	ADJ
fsr-3222	478	8	services	service	NOUN
fsr-3222	478	9	review	review	VERB
fsr-3222	478	10	25	25	NUM
fsr-3222	478	11	(	(	PUNCT
fsr-3222	478	12	2016	2016	NUM
fsr-3222	478	13	)	)	PUNCT
fsr-3222	478	14	215–234	215–234	NUM
fsr-3222	478	15	starr	starr	NOUN
fsr-3222	478	16	,	,	PUNCT
fsr-3222	478	17	b.(2010	b.(2010	NOUN
fsr-3222	478	18	)	)	PUNCT
fsr-3222	478	19	.	.	PUNCT
fsr-3222	479	1	willingness	willingness	NOUN
fsr-3222	479	2	to	to	PART
fsr-3222	479	3	pay	pay	VERB
fsr-3222	479	4	:	:	PUNCT
fsr-3222	479	5	understanding	understand	VERB
fsr-3222	479	6	403(b	403(b	PROPN
fsr-3222	479	7	)	)	PUNCT
fsr-3222	479	8	fees	fee	NOUN
fsr-3222	479	9	.	.	PUNCT
fsr-3222	480	1	financial	financial	ADJ
fsr-3222	480	2	services	service	NOUN
fsr-3222	480	3	review	review	PROPN
fsr-3222	480	4	,	,	PUNCT
fsr-3222	480	5	19	19	NUM
fsr-3222	480	6	,	,	PUNCT
fsr-3222	480	7	125–144	125–144	NUM
fsr-3222	480	8	.	.	PUNCT
fsr-3222	481	1	stumpff	stumpff	PROPN
fsr-3222	481	2	,	,	PUNCT
fsr-3222	481	3	a.	a.	NOUN
fsr-3222	481	4	(	(	PUNCT
fsr-3222	481	5	2013	2013	NUM
fsr-3222	481	6	)	)	PUNCT
fsr-3222	481	7	.	.	PUNCT
fsr-3222	482	1	synthetic	synthetic	ADJ
fsr-3222	482	2	common	common	ADJ
fsr-3222	482	3	law	law	NOUN
fsr-3222	482	4	:	:	PUNCT
fsr-3222	482	5	toward	toward	ADP
fsr-3222	482	6	simpler	simple	ADJ
fsr-3222	482	7	legal	legal	ADJ
fsr-3222	482	8	rules	rule	NOUN
fsr-3222	482	9	.	.	PUNCT
fsr-3222	483	1	paper	paper	NOUN
fsr-3222	483	2	presented	present	VERB
fsr-3222	483	3	at	at	ADP
fsr-3222	483	4	conference	conference	NOUN
fsr-3222	483	5	at	at	ADP
fsr-3222	483	6	university	university	PROPN
fsr-3222	483	7	of	of	ADP
fsr-3222	483	8	michigan	michigan	PROPN
fsr-3222	483	9	.	.	PUNCT
fsr-3222	484	1	t.	t.	PROPN
fsr-3222	484	2	rowe	rowe	PROPN
fsr-3222	484	3	price	price	PROPN
fsr-3222	484	4	.	.	PUNCT
fsr-3222	485	1	(	(	PUNCT
fsr-3222	485	2	2013	2013	NUM
fsr-3222	485	3	)	)	PUNCT
fsr-3222	485	4	.	.	PUNCT
fsr-3222	486	1	advisory	advisory	ADJ
fsr-3222	486	2	planning	planning	NOUN
fsr-3222	486	3	services	service	NOUN
fsr-3222	486	4	(	(	PUNCT
fsr-3222	486	5	available	available	ADJ
fsr-3222	486	6	at	at	ADP
fsr-3222	486	7	http://individual.troweprice.com/public/retail/	http://individual.troweprice.com/public/retail/	PROPN
fsr-3222	486	8	products-&-services	products-&-service	NOUN
fsr-3222	486	9	/	/	SYM
fsr-3222	486	10	advisory	advisory	ADJ
fsr-3222	486	11	-	-	PUNCT
fsr-3222	486	12	planning	planning	NOUN
fsr-3222	486	13	-	-	PUNCT
fsr-3222	486	14	services	service	NOUN
fsr-3222	486	15	)	)	PUNCT
fsr-3222	486	16	.	.	PUNCT
fsr-3222	487	1	u.s	u.s	PROPN
fsr-3222	487	2	.	.	PROPN
fsr-3222	487	3	government	government	NOUN
fsr-3222	487	4	accountability	accountability	NOUN
fsr-3222	487	5	office	office	NOUN
fsr-3222	487	6	(	(	PUNCT
fsr-3222	487	7	gao	gao	PROPN
fsr-3222	487	8	)	)	PUNCT
fsr-3222	487	9	.	.	PUNCT
fsr-3222	488	1	(	(	PUNCT
fsr-3222	488	2	2013	2013	NUM
fsr-3222	488	3	)	)	PUNCT
fsr-3222	488	4	.	.	PUNCT
fsr-3222	489	1	401(k	401(k	NOUN
fsr-3222	489	2	)	)	PUNCT
fsr-3222	489	3	plans	plan	NOUN
fsr-3222	489	4	:	:	PUNCT
fsr-3222	489	5	labor	labor	NOUN
fsr-3222	489	6	and	and	CCONJ
fsr-3222	489	7	irs	irs	PROPN
fsr-3222	489	8	could	could	AUX
fsr-3222	489	9	improve	improve	VERB
fsr-3222	489	10	the	the	DET
fsr-3222	489	11	rollover	rollover	NOUN
fsr-3222	489	12	process	process	NOUN
fsr-3222	489	13	for	for	ADP
fsr-3222	489	14	participants	participant	NOUN
fsr-3222	489	15	.	.	PUNCT
fsr-3222	490	1	gao-13–30	gao-13–30	PROPN
fsr-3222	490	2	.	.	PUNCT
fsr-3222	490	3	vanguard	vanguard	PROPN
fsr-3222	490	4	.	.	PUNCT
fsr-3222	491	1	(	(	PUNCT
fsr-3222	491	2	2013	2013	NUM
fsr-3222	491	3	)	)	PUNCT
fsr-3222	491	4	.	.	PUNCT
fsr-3222	492	1	vanguard	vanguard	PROPN
fsr-3222	492	2	asset	asset	PROPN
fsr-3222	492	3	management	management	NOUN
fsr-3222	492	4	services	service	NOUN
fsr-3222	492	5	fees	fee	NOUN
fsr-3222	492	6	(	(	PUNCT
fsr-3222	492	7	available	available	ADJ
fsr-3222	492	8	at	at	ADP
fsr-3222	492	9	https://investor.vanguard.com/whatwe-offer/investing-help/partner-with-me-for-ongoing-help?link�facet	https://investor.vanguard.com/whatwe-offer/investing-help/partner-with-me-for-ongoing-help?link�facet	PROPN
fsr-3222	492	10	)	)	PUNCT
fsr-3222	492	11	.	.	PUNCT
fsr-3222	493	1	vohwinkle	vohwinkle	ADV
fsr-3222	493	2	,	,	PUNCT
fsr-3222	493	3	j.	j.	PROPN
fsr-3222	493	4	(	(	PUNCT
fsr-3222	493	5	2008	2008	NUM
fsr-3222	493	6	)	)	PUNCT
fsr-3222	493	7	.	.	PUNCT
fsr-3222	494	1	list	list	NOUN
fsr-3222	494	2	of	of	ADP
fsr-3222	494	3	50	50	NUM
fsr-3222	494	4	largest	large	ADJ
fsr-3222	494	5	mutual	mutual	ADJ
fsr-3222	494	6	fund	fund	NOUN
fsr-3222	494	7	companies	company	NOUN
fsr-3222	494	8	ranked	rank	VERB
fsr-3222	494	9	by	by	ADP
fsr-3222	494	10	assets	asset	NOUN
fsr-3222	494	11	for	for	ADP
fsr-3222	494	12	2008	2008	NUM
fsr-3222	494	13	.	.	PUNCT
fsr-3222	495	1	generation	generation	NOUN
fsr-3222	495	2	x	x	X
fsr-3222	495	3	finance	finance	NOUN
fsr-3222	495	4	(	(	PUNCT
fsr-3222	495	5	available	available	ADJ
fsr-3222	495	6	at	at	ADP
fsr-3222	495	7	http://genxfinance.com/list-of-50-largest-mutual-fund-companies-ranked-by-assets-for-2008/	http://genxfinance.com/list-of-50-largest-mutual-fund-companies-ranked-by-assets-for-2008/	NOUN
fsr-3222	495	8	)	)	PUNCT
fsr-3222	495	9	.	.	PUNCT
fsr-3222	496	1	wells	wells	PROPN
fsr-3222	496	2	fargo	fargo	PROPN
fsr-3222	496	3	.	.	PUNCT
fsr-3222	497	1	(	(	PUNCT
fsr-3222	497	2	2013	2013	NUM
fsr-3222	497	3	)	)	PUNCT
fsr-3222	497	4	.	.	PUNCT
fsr-3222	498	1	wells	wells	PROPN
fsr-3222	498	2	fargo	fargo	PROPN
fsr-3222	498	3	advisors	advisors	PROPN
fsr-3222	498	4	’	'	PUNCT
fsr-3222	498	5	services	service	NOUN
fsr-3222	498	6	and	and	CCONJ
fsr-3222	498	7	fees	fee	NOUN
fsr-3222	498	8	(	(	PUNCT
fsr-3222	498	9	available	available	ADJ
fsr-3222	498	10	at	at	ADP
fsr-3222	498	11	https://www.wellsfargo.com/beyond	https://www.wellsfargo.com/beyond	PROPN
fsr-3222	498	12	today	today	NOUN
fsr-3222	498	13	/	/	SYM
fsr-3222	498	14	tools	tool	NOUN
fsr-3222	498	15	-	-	PUNCT
fsr-3222	498	16	checklists	checklist	NOUN
fsr-3222	498	17	/	/	SYM
fsr-3222	498	18	advisorinfo	advisorinfo	NOUN
fsr-3222	498	19	/	/	SYM
fsr-3222	498	20	advisorfees	advisorfee	NOUN
fsr-3222	498	21	)	)	PUNCT
fsr-3222	498	22	.	.	PUNCT
fsr-3222	499	1	wilson	wilson	PROPN
fsr-3222	499	2	,	,	PUNCT
fsr-3222	499	3	c.	c.	PROPN
fsr-3222	499	4	(	(	PUNCT
fsr-3222	499	5	2010	2010	NUM
fsr-3222	499	6	)	)	PUNCT
fsr-3222	499	7	.	.	PUNCT
fsr-3222	500	1	ordered	order	VERB
fsr-3222	500	2	search	search	NOUN
fsr-3222	500	3	and	and	CCONJ
fsr-3222	500	4	equilibrium	equilibrium	NOUN
fsr-3222	500	5	obfuscation	obfuscation	NOUN
fsr-3222	500	6	.	.	PUNCT
fsr-3222	501	1	international	international	ADJ
fsr-3222	501	2	journal	journal	PROPN
fsr-3222	501	3	of	of	ADP
fsr-3222	501	4	industrial	industrial	ADJ
fsr-3222	501	5	organization	organization	NOUN
fsr-3222	501	6	,	,	PUNCT
fsr-3222	501	7	28	28	NUM
fsr-3222	501	8	,	,	PUNCT
fsr-3222	501	9	496–506	496–506	NUM
fsr-3222	501	10	.	.	NOUN
fsr-3222	501	11	234	234	NUM
fsr-3222	501	12	l.a	l.a	PROPN
fsr-3222	501	13	.	.	PROPN
fsr-3222	501	14	muller	muller	PROPN
fsr-3222	501	15	,	,	PUNCT
fsr-3222	501	16	j.a	j.a	PROPN
fsr-3222	501	17	.	.	PROPN
fsr-3222	501	18	turner	turner	PROPN
fsr-3222	501	19	/	/	SYM
fsr-3222	501	20	financial	financial	ADJ
fsr-3222	501	21	services	service	NOUN
fsr-3222	501	22	review	review	VERB
fsr-3222	501	23	25	25	NUM
fsr-3222	501	24	(	(	PUNCT
fsr-3222	501	25	2016	2016	NUM
fsr-3222	501	26	)	)	PUNCT
fsr-3222	501	27	215–234	215–234	NUM