id	sid	tid	token	lemma	pos
fsr-3226	1	1	exploring	explore	VERB
fsr-3226	1	2	the	the	DET
fsr-3226	1	3	demand	demand	NOUN
fsr-3226	1	4	for	for	ADP
fsr-3226	1	5	retirement	retirement	NOUN
fsr-3226	1	6	planning	planning	NOUN
fsr-3226	1	7	advice	advice	NOUN
fsr-3226	1	8	:	:	PUNCT
fsr-3226	1	9	the	the	DET
fsr-3226	1	10	role	role	NOUN
fsr-3226	1	11	of	of	ADP
fsr-3226	1	12	financial	financial	ADJ
fsr-3226	1	13	literacy	literacy	NOUN
fsr-3226	1	14	martin	martin	PROPN
fsr-3226	1	15	c.	c.	PROPN
fsr-3226	1	16	seay	seay	PROPN
fsr-3226	1	17	,	,	PUNCT
fsr-3226	1	18	ph.d	ph.d	PROPN
fsr-3226	1	19	.	.	PROPN
fsr-3226	1	20	,	,	PUNCT
fsr-3226	1	21	cfpa	cfpa	NOUN
fsr-3226	1	22	,	,	PUNCT
fsr-3226	1	23	*	*	PUNCT
fsr-3226	1	24	,	,	PUNCT
fsr-3226	1	25	kyoung	kyoung	PROPN
fsr-3226	1	26	tae	tae	PROPN
fsr-3226	1	27	kim	kim	PROPN
fsr-3226	1	28	,	,	PUNCT
fsr-3226	1	29	ph.d.b	ph.d.b	PROPN
fsr-3226	1	30	,	,	PUNCT
fsr-3226	1	31	stuart	stuart	PROPN
fsr-3226	1	32	j.	j.	PROPN
fsr-3226	1	33	heckman	heckman	PROPN
fsr-3226	1	34	,	,	PUNCT
fsr-3226	1	35	ph.d	ph.d	PROPN
fsr-3226	1	36	.	.	PROPN
fsr-3226	1	37	,	,	PUNCT
fsr-3226	1	38	cfpc	cfpc	PROPN
fsr-3226	1	39	aassistant	aassistant	PROPN
fsr-3226	1	40	professor	professor	NOUN
fsr-3226	1	41	of	of	ADP
fsr-3226	1	42	personal	personal	ADJ
fsr-3226	1	43	financial	financial	ADJ
fsr-3226	1	44	planning	planning	NOUN
fsr-3226	1	45	,	,	PUNCT
fsr-3226	1	46	kansas	kansas	PROPN
fsr-3226	1	47	state	state	PROPN
fsr-3226	1	48	university	university	PROPN
fsr-3226	1	49	,	,	PUNCT
fsr-3226	1	50	318	318	NUM
fsr-3226	1	51	justin	justin	PROPN
fsr-3226	1	52	hall	hall	PROPN
fsr-3226	1	53	,	,	PUNCT
fsr-3226	1	54	manhattan	manhattan	PROPN
fsr-3226	1	55	,	,	PUNCT
fsr-3226	1	56	ks	ks	PROPN
fsr-3226	1	57	66505	66505	NUM
fsr-3226	1	58	,	,	PUNCT
fsr-3226	1	59	usa	usa	PROPN
fsr-3226	1	60	bassistant	bassistant	PROPN
fsr-3226	1	61	professor	professor	PROPN
fsr-3226	1	62	,	,	PUNCT
fsr-3226	1	63	department	department	NOUN
fsr-3226	1	64	of	of	ADP
fsr-3226	1	65	consumer	consumer	NOUN
fsr-3226	1	66	sciences	sciences	PROPN
fsr-3226	1	67	,	,	PUNCT
fsr-3226	1	68	university	university	NOUN
fsr-3226	1	69	of	of	ADP
fsr-3226	1	70	alabama	alabama	PROPN
fsr-3226	1	71	,	,	PUNCT
fsr-3226	1	72	312	312	NUM
fsr-3226	1	73	adams	adams	PROPN
fsr-3226	1	74	hall	hall	PROPN
fsr-3226	1	75	,	,	PUNCT
fsr-3226	1	76	tuscaloosa	tuscaloosa	PROPN
fsr-3226	1	77	,	,	PUNCT
fsr-3226	1	78	al	al	PROPN
fsr-3226	1	79	35487	35487	NUM
fsr-3226	1	80	,	,	PUNCT
fsr-3226	1	81	usa	usa	PROPN
fsr-3226	1	82	cassistant	cassistant	PROPN
fsr-3226	1	83	professor	professor	NOUN
fsr-3226	1	84	of	of	ADP
fsr-3226	1	85	personal	personal	ADJ
fsr-3226	1	86	financial	financial	ADJ
fsr-3226	1	87	planning	planning	NOUN
fsr-3226	1	88	,	,	PUNCT
fsr-3226	1	89	kansas	kansas	PROPN
fsr-3226	1	90	state	state	PROPN
fsr-3226	1	91	university	university	PROPN
fsr-3226	1	92	,	,	PUNCT
fsr-3226	1	93	319	319	NUM
fsr-3226	1	94	justin	justin	PROPN
fsr-3226	1	95	hall	hall	PROPN
fsr-3226	1	96	,	,	PUNCT
fsr-3226	1	97	manhattan	manhattan	PROPN
fsr-3226	1	98	,	,	PUNCT
fsr-3226	1	99	ks	ks	PROPN
fsr-3226	1	100	66505	66505	NUM
fsr-3226	1	101	,	,	PUNCT
fsr-3226	1	102	usa	usa	PROPN
fsr-3226	1	103	abstract	abstract	PROPN
fsr-3226	1	104	this	this	DET
fsr-3226	1	105	research	research	NOUN
fsr-3226	1	106	extends	extend	VERB
fsr-3226	1	107	previous	previous	ADJ
fsr-3226	1	108	literature	literature	NOUN
fsr-3226	1	109	on	on	ADP
fsr-3226	1	110	the	the	DET
fsr-3226	1	111	relationship	relationship	NOUN
fsr-3226	1	112	between	between	ADP
fsr-3226	1	113	financial	financial	ADJ
fsr-3226	1	114	literacy	literacy	NOUN
fsr-3226	1	115	and	and	CCONJ
fsr-3226	1	116	financial	financial	ADJ
fsr-3226	1	117	advice	advice	NOUN
fsr-3226	1	118	seeking	seek	VERB
fsr-3226	1	119	in	in	ADP
fsr-3226	1	120	three	three	NUM
fsr-3226	1	121	ways	way	NOUN
fsr-3226	1	122	:	:	PUNCT
fsr-3226	1	123	(	(	PUNCT
fsr-3226	1	124	1	1	X
fsr-3226	1	125	)	)	PUNCT
fsr-3226	1	126	we	we	PRON
fsr-3226	1	127	examine	examine	VERB
fsr-3226	1	128	financial	financial	ADJ
fsr-3226	1	129	planner	planner	NOUN
fsr-3226	1	130	use	use	NOUN
fsr-3226	1	131	specifically	specifically	ADV
fsr-3226	1	132	within	within	ADP
fsr-3226	1	133	the	the	DET
fsr-3226	1	134	context	context	NOUN
fsr-3226	1	135	of	of	ADP
fsr-3226	1	136	retirement	retirement	NOUN
fsr-3226	1	137	planning	planning	NOUN
fsr-3226	1	138	,	,	PUNCT
fsr-3226	1	139	(	(	PUNCT
fsr-3226	1	140	2	2	X
fsr-3226	1	141	)	)	PUNCT
fsr-3226	1	142	we	we	PRON
fsr-3226	1	143	incorporate	incorporate	VERB
fsr-3226	1	144	huston	huston	PROPN
fsr-3226	1	145	’s	’s	PART
fsr-3226	1	146	(	(	PUNCT
fsr-3226	1	147	2010	2010	NUM
fsr-3226	1	148	)	)	PUNCT
fsr-3226	1	149	framework	framework	NOUN
fsr-3226	1	150	of	of	ADP
fsr-3226	1	151	financial	financial	ADJ
fsr-3226	1	152	literacy	literacy	NOUN
fsr-3226	1	153	,	,	PUNCT
fsr-3226	1	154	and	and	CCONJ
fsr-3226	1	155	(	(	PUNCT
fsr-3226	1	156	3	3	X
fsr-3226	1	157	)	)	PUNCT
fsr-3226	1	158	we	we	PRON
fsr-3226	1	159	use	use	VERB
fsr-3226	1	160	longitudinal	longitudinal	ADJ
fsr-3226	1	161	data	datum	NOUN
fsr-3226	1	162	to	to	PART
fsr-3226	1	163	investigate	investigate	VERB
fsr-3226	1	164	the	the	DET
fsr-3226	1	165	initiation	initiation	NOUN
fsr-3226	1	166	,	,	PUNCT
fsr-3226	1	167	maintenance	maintenance	NOUN
fsr-3226	1	168	,	,	PUNCT
fsr-3226	1	169	and	and	CCONJ
fsr-3226	1	170	termination	termination	NOUN
fsr-3226	1	171	of	of	ADP
fsr-3226	1	172	financial	financial	ADJ
fsr-3226	1	173	planner	planner	NOUN
fsr-3226	1	174	use	use	NOUN
fsr-3226	1	175	.	.	PUNCT
fsr-3226	2	1	results	result	NOUN
fsr-3226	2	2	from	from	ADP
fsr-3226	2	3	the	the	DET
fsr-3226	2	4	2010	2010	NUM
fsr-3226	2	5	and	and	CCONJ
fsr-3226	2	6	2012	2012	NUM
fsr-3226	2	7	national	national	ADJ
fsr-3226	2	8	longitudinal	longitudinal	ADJ
fsr-3226	2	9	survey	survey	NOUN
fsr-3226	2	10	of	of	ADP
fsr-3226	2	11	youth	youth	NOUN
fsr-3226	2	12	1979	1979	NUM
fsr-3226	2	13	(	(	PUNCT
fsr-3226	2	14	nlsy79	nlsy79	NOUN
fsr-3226	2	15	)	)	PUNCT
fsr-3226	2	16	show	show	VERB
fsr-3226	2	17	a	a	DET
fsr-3226	2	18	positive	positive	ADJ
fsr-3226	2	19	association	association	NOUN
fsr-3226	2	20	between	between	ADP
fsr-3226	2	21	the	the	DET
fsr-3226	2	22	components	component	NOUN
fsr-3226	2	23	of	of	ADP
fsr-3226	2	24	financial	financial	ADJ
fsr-3226	2	25	literacy	literacy	NOUN
fsr-3226	2	26	and	and	CCONJ
fsr-3226	2	27	financial	financial	ADJ
fsr-3226	2	28	planner	planner	NOUN
fsr-3226	2	29	use	use	NOUN
fsr-3226	2	30	for	for	ADP
fsr-3226	2	31	retirement	retirement	NOUN
fsr-3226	2	32	planning	planning	NOUN
fsr-3226	2	33	.	.	PUNCT
fsr-3226	3	1	©	©	PROPN
fsr-3226	3	2	2016	2016	NUM
fsr-3226	3	3	academy	academy	NOUN
fsr-3226	3	4	of	of	ADP
fsr-3226	3	5	financial	financial	ADJ
fsr-3226	3	6	services	service	NOUN
fsr-3226	3	7	.	.	PUNCT
fsr-3226	4	1	all	all	DET
fsr-3226	4	2	rights	right	NOUN
fsr-3226	4	3	reserved	reserve	VERB
fsr-3226	4	4	.	.	PUNCT
fsr-3226	5	1	jel	jel	PROPN
fsr-3226	5	2	classification	classification	NOUN
fsr-3226	5	3	:	:	PUNCT
fsr-3226	5	4	d14	d14	ADJ
fsr-3226	5	5	;	;	PUNCT
fsr-3226	5	6	g20	g20	NOUN
fsr-3226	5	7	keywords	keyword	NOUN
fsr-3226	5	8	:	:	PUNCT
fsr-3226	5	9	retirement	retirement	NOUN
fsr-3226	5	10	planning	planning	NOUN
fsr-3226	5	11	;	;	PUNCT
fsr-3226	5	12	financial	financial	ADJ
fsr-3226	5	13	planner	planner	NOUN
fsr-3226	5	14	use	use	NOUN
fsr-3226	5	15	;	;	PUNCT
fsr-3226	5	16	financial	financial	ADJ
fsr-3226	5	17	advice	advice	NOUN
fsr-3226	5	18	1	1	NUM
fsr-3226	5	19	.	.	PUNCT
fsr-3226	6	1	introduction	introduction	NOUN
fsr-3226	6	2	u.s	u.s	PROPN
fsr-3226	6	3	.	.	PROPN
fsr-3226	6	4	workers	worker	NOUN
fsr-3226	6	5	face	face	VERB
fsr-3226	6	6	significant	significant	ADJ
fsr-3226	6	7	difficulty	difficulty	NOUN
fsr-3226	6	8	in	in	ADP
fsr-3226	6	9	adequately	adequately	ADV
fsr-3226	6	10	planning	plan	VERB
fsr-3226	6	11	for	for	ADP
fsr-3226	6	12	retirement	retirement	NOUN
fsr-3226	6	13	.	.	PUNCT
fsr-3226	7	1	this	this	DET
fsr-3226	7	2	difficulty	difficulty	NOUN
fsr-3226	7	3	is	be	AUX
fsr-3226	7	4	reinforced	reinforce	VERB
fsr-3226	7	5	by	by	ADP
fsr-3226	7	6	the	the	DET
fsr-3226	7	7	transition	transition	NOUN
fsr-3226	7	8	from	from	ADP
fsr-3226	7	9	defined	define	VERB
fsr-3226	7	10	benefit	benefit	NOUN
fsr-3226	7	11	(	(	PUNCT
fsr-3226	7	12	db	db	NOUN
fsr-3226	7	13	)	)	PUNCT
fsr-3226	7	14	to	to	ADP
fsr-3226	7	15	defined	define	VERB
fsr-3226	7	16	contribution	contribution	NOUN
fsr-3226	7	17	(	(	PUNCT
fsr-3226	7	18	dc	dc	PROPN
fsr-3226	7	19	)	)	PUNCT
fsr-3226	7	20	plans	plan	NOUN
fsr-3226	7	21	,	,	PUNCT
fsr-3226	7	22	which	which	PRON
fsr-3226	7	23	places	place	VERB
fsr-3226	7	24	more	more	ADJ
fsr-3226	7	25	responsibility	responsibility	NOUN
fsr-3226	7	26	and	and	CCONJ
fsr-3226	7	27	risk	risk	NOUN
fsr-3226	7	28	on	on	ADP
fsr-3226	7	29	individuals	individual	NOUN
fsr-3226	7	30	for	for	ADP
fsr-3226	7	31	their	their	PRON
fsr-3226	7	32	saving	saving	NOUN
fsr-3226	7	33	and	and	CCONJ
fsr-3226	7	34	investing	invest	VERB
fsr-3226	7	35	*	*	PUNCT
fsr-3226	7	36	corresponding	correspond	VERB
fsr-3226	7	37	author	author	NOUN
fsr-3226	7	38	.	.	PUNCT
fsr-3226	8	1	tel	tel	PROPN
fsr-3226	8	2	.	.	PUNCT
fsr-3226	8	3	:	:	PUNCT
fsr-3226	9	1	�	�	PROPN
fsr-3226	9	2	1	1	NUM
fsr-3226	9	3	-	-	SYM
fsr-3226	9	4	785	785	NUM
fsr-3226	9	5	-	-	PUNCT
fsr-3226	9	6	532	532	NUM
fsr-3226	9	7	-	-	NUM
fsr-3226	9	8	1486	1486	NUM
fsr-3226	9	9	;	;	PUNCT
fsr-3226	9	10	fax	fax	NOUN
fsr-3226	9	11	:	:	PUNCT
fsr-3226	9	12	�	�	PROPN
fsr-3226	9	13	1	1	NUM
fsr-3226	9	14	-	-	SYM
fsr-3226	9	15	785	785	NUM
fsr-3226	9	16	-	-	PUNCT
fsr-3226	9	17	532	532	NUM
fsr-3226	9	18	-	-	SYM
fsr-3226	9	19	5505	5505	NUM
fsr-3226	9	20	.	.	PUNCT
fsr-3226	10	1	e	e	X
fsr-3226	10	2	-	-	NOUN
fsr-3226	10	3	mail	mail	NOUN
fsr-3226	10	4	address	address	NOUN
fsr-3226	10	5	:	:	PUNCT
fsr-3226	10	6	mseay@ksu.edu	mseay@ksu.edu	NOUN
fsr-3226	10	7	(	(	PUNCT
fsr-3226	10	8	m.	m.	NOUN
fsr-3226	10	9	c.	c.	PROPN
fsr-3226	10	10	seay	seay	PROPN
fsr-3226	10	11	)	)	PUNCT
fsr-3226	10	12	financial	financial	ADJ
fsr-3226	10	13	services	service	NOUN
fsr-3226	10	14	review	review	VERB
fsr-3226	10	15	25	25	NUM
fsr-3226	10	16	(	(	PUNCT
fsr-3226	10	17	2016	2016	NUM
fsr-3226	10	18	)	)	PUNCT
fsr-3226	11	1	331–350	331–350	NUM
fsr-3226	11	2	1057	1057	NUM
fsr-3226	11	3	-	-	SYM
fsr-3226	11	4	0810/16/$	0810/16/$	ADV
fsr-3226	11	5	–	–	PUNCT
fsr-3226	11	6	see	see	VERB
fsr-3226	11	7	front	front	ADJ
fsr-3226	11	8	matter	matter	NOUN
fsr-3226	11	9	©	©	PROPN
fsr-3226	11	10	2016	2016	NUM
fsr-3226	11	11	academy	academy	NOUN
fsr-3226	11	12	of	of	ADP
fsr-3226	11	13	financial	financial	ADJ
fsr-3226	11	14	services	service	NOUN
fsr-3226	11	15	.	.	PUNCT
fsr-3226	12	1	all	all	DET
fsr-3226	12	2	rights	right	NOUN
fsr-3226	12	3	reserved	reserve	VERB
fsr-3226	12	4	.	.	PUNCT
fsr-3226	13	1	decisions	decision	NOUN
fsr-3226	13	2	.	.	PUNCT
fsr-3226	14	1	planning	plan	VERB
fsr-3226	14	2	for	for	ADP
fsr-3226	14	3	retirement	retirement	NOUN
fsr-3226	14	4	requires	require	VERB
fsr-3226	14	5	individuals	individual	NOUN
fsr-3226	14	6	to	to	PART
fsr-3226	14	7	make	make	VERB
fsr-3226	14	8	complex	complex	ADJ
fsr-3226	14	9	financial	financial	ADJ
fsr-3226	14	10	decisions	decision	NOUN
fsr-3226	14	11	,	,	PUNCT
fsr-3226	14	12	with	with	ADP
fsr-3226	14	13	financial	financial	ADJ
fsr-3226	14	14	literacy	literacy	NOUN
fsr-3226	14	15	becoming	become	VERB
fsr-3226	14	16	critical	critical	ADJ
fsr-3226	14	17	(	(	PUNCT
fsr-3226	14	18	lusardi	lusardi	NOUN
fsr-3226	14	19	and	and	CCONJ
fsr-3226	14	20	mitchell	mitchell	PROPN
fsr-3226	14	21	,	,	PUNCT
fsr-3226	14	22	2007	2007	NUM
fsr-3226	14	23	;	;	PUNCT
fsr-3226	14	24	van	van	PROPN
fsr-3226	14	25	rooij	rooij	NOUN
fsr-3226	14	26	,	,	PUNCT
fsr-3226	14	27	lusardi	lusardi	NOUN
fsr-3226	14	28	,	,	PUNCT
fsr-3226	14	29	and	and	CCONJ
fsr-3226	14	30	alessie	alessie	ADJ
fsr-3226	14	31	,	,	PUNCT
fsr-3226	14	32	2011	2011	NUM
fsr-3226	14	33	)	)	PUNCT
fsr-3226	14	34	.	.	PUNCT
fsr-3226	15	1	the	the	DET
fsr-3226	15	2	shift	shift	NOUN
fsr-3226	15	3	to	to	ADP
fsr-3226	15	4	self	self	NOUN
fsr-3226	15	5	-	-	PUNCT
fsr-3226	15	6	funding	fund	VERB
fsr-3226	15	7	retirement	retirement	NOUN
fsr-3226	15	8	(	(	PUNCT
fsr-3226	15	9	i.e.	i.e.	X
fsr-3226	15	10	,	,	PUNCT
fsr-3226	15	11	dc	dc	PROPN
fsr-3226	15	12	plans	plan	NOUN
fsr-3226	15	13	)	)	PUNCT
fsr-3226	15	14	has	have	AUX
fsr-3226	15	15	helped	help	VERB
fsr-3226	15	16	spur	spur	VERB
fsr-3226	15	17	the	the	DET
fsr-3226	15	18	growth	growth	NOUN
fsr-3226	15	19	in	in	ADP
fsr-3226	15	20	demand	demand	NOUN
fsr-3226	15	21	for	for	ADP
fsr-3226	15	22	financial	financial	ADJ
fsr-3226	15	23	advice	advice	NOUN
fsr-3226	15	24	and	and	CCONJ
fsr-3226	15	25	the	the	DET
fsr-3226	15	26	financial	financial	ADJ
fsr-3226	15	27	planning	planning	NOUN
fsr-3226	15	28	profession	profession	NOUN
fsr-3226	15	29	.	.	PUNCT
fsr-3226	16	1	while	while	SCONJ
fsr-3226	16	2	some	some	DET
fsr-3226	16	3	research	research	NOUN
fsr-3226	16	4	has	have	AUX
fsr-3226	16	5	investigated	investigate	VERB
fsr-3226	16	6	the	the	DET
fsr-3226	16	7	relationship	relationship	NOUN
fsr-3226	16	8	between	between	ADP
fsr-3226	16	9	individual	individual	ADJ
fsr-3226	16	10	financial	financial	ADJ
fsr-3226	16	11	literacy	literacy	NOUN
fsr-3226	16	12	and	and	CCONJ
fsr-3226	16	13	general	general	ADJ
fsr-3226	16	14	financial	financial	ADJ
fsr-3226	16	15	advice	advice	NOUN
fsr-3226	16	16	seeking	seek	VERB
fsr-3226	16	17	behavior	behavior	NOUN
fsr-3226	16	18	(	(	PUNCT
fsr-3226	16	19	calcagno	calcagno	NOUN
fsr-3226	16	20	and	and	CCONJ
fsr-3226	16	21	monticone	monticone	NOUN
fsr-3226	16	22	,	,	PUNCT
fsr-3226	16	23	2015	2015	NUM
fsr-3226	16	24	;	;	PUNCT
fsr-3226	16	25	collins	collin	NOUN
fsr-3226	16	26	,	,	PUNCT
fsr-3226	16	27	2012	2012	NUM
fsr-3226	16	28	;	;	PUNCT
fsr-3226	16	29	moulton	moulton	PROPN
fsr-3226	16	30	,	,	PUNCT
fsr-3226	16	31	loibl	loibl	PROPN
fsr-3226	16	32	,	,	PUNCT
fsr-3226	16	33	samak	samak	PROPN
fsr-3226	16	34	,	,	PUNCT
fsr-3226	16	35	and	and	CCONJ
fsr-3226	16	36	collins	collin	NOUN
fsr-3226	16	37	,	,	PUNCT
fsr-3226	16	38	2013	2013	NUM
fsr-3226	16	39	;	;	PUNCT
fsr-3226	16	40	robb	robb	NOUN
fsr-3226	16	41	,	,	PUNCT
fsr-3226	16	42	babiarz	babiarz	NOUN
fsr-3226	16	43	,	,	PUNCT
fsr-3226	16	44	and	and	CCONJ
fsr-3226	16	45	woodyard	woodyard	PROPN
fsr-3226	16	46	,	,	PUNCT
fsr-3226	16	47	2012	2012	NUM
fsr-3226	16	48	)	)	PUNCT
fsr-3226	16	49	,	,	PUNCT
fsr-3226	16	50	little	little	ADJ
fsr-3226	16	51	work	work	NOUN
fsr-3226	16	52	has	have	AUX
fsr-3226	16	53	focused	focus	VERB
fsr-3226	16	54	on	on	ADP
fsr-3226	16	55	advice	advice	NOUN
fsr-3226	16	56	related	relate	VERB
fsr-3226	16	57	to	to	ADP
fsr-3226	16	58	retirement	retirement	NOUN
fsr-3226	16	59	planning	planning	NOUN
fsr-3226	16	60	.	.	PUNCT
fsr-3226	17	1	further	far	ADV
fsr-3226	17	2	,	,	PUNCT
fsr-3226	17	3	there	there	PRON
fsr-3226	17	4	are	be	VERB
fsr-3226	17	5	notable	notable	ADJ
fsr-3226	17	6	limitations	limitation	NOUN
fsr-3226	17	7	in	in	ADP
fsr-3226	17	8	the	the	DET
fsr-3226	17	9	measures	measure	NOUN
fsr-3226	17	10	used	use	VERB
fsr-3226	17	11	in	in	ADP
fsr-3226	17	12	previous	previous	ADJ
fsr-3226	17	13	research	research	NOUN
fsr-3226	17	14	,	,	PUNCT
fsr-3226	17	15	either	either	CCONJ
fsr-3226	17	16	because	because	SCONJ
fsr-3226	17	17	of	of	ADP
fsr-3226	17	18	temporal	temporal	ADJ
fsr-3226	17	19	inconsistencies	inconsistency	NOUN
fsr-3226	17	20	(	(	PUNCT
fsr-3226	17	21	e.g.	e.g.	ADV
fsr-3226	17	22	,	,	PUNCT
fsr-3226	17	23	the	the	DET
fsr-3226	17	24	national	national	ADJ
fsr-3226	17	25	financial	financial	ADJ
fsr-3226	17	26	capability	capability	NOUN
fsr-3226	17	27	survey	survey	NOUN
fsr-3226	17	28	has	have	VERB
fsr-3226	17	29	a	a	DET
fsr-3226	17	30	five	five	NUM
fsr-3226	17	31	-	-	PUNCT
fsr-3226	17	32	year	year	NOUN
fsr-3226	17	33	look	look	NOUN
fsr-3226	17	34	back	back	ADV
fsr-3226	17	35	)	)	PUNCT
fsr-3226	17	36	or	or	CCONJ
fsr-3226	17	37	lack	lack	NOUN
fsr-3226	17	38	of	of	ADP
fsr-3226	17	39	focus	focus	NOUN
fsr-3226	17	40	on	on	ADP
fsr-3226	17	41	retirement	retirement	NOUN
fsr-3226	17	42	planning	planning	NOUN
fsr-3226	17	43	.	.	PUNCT
fsr-3226	18	1	consequently	consequently	ADV
fsr-3226	18	2	,	,	PUNCT
fsr-3226	18	3	this	this	DET
fsr-3226	18	4	study	study	NOUN
fsr-3226	18	5	uses	use	VERB
fsr-3226	18	6	data	datum	NOUN
fsr-3226	18	7	from	from	ADP
fsr-3226	18	8	the	the	DET
fsr-3226	18	9	2010	2010	NUM
fsr-3226	18	10	and	and	CCONJ
fsr-3226	18	11	2012	2012	NUM
fsr-3226	18	12	administrations	administration	NOUN
fsr-3226	18	13	of	of	ADP
fsr-3226	18	14	the	the	DET
fsr-3226	18	15	national	national	ADJ
fsr-3226	18	16	longitudinal	longitudinal	ADJ
fsr-3226	18	17	survey	survey	NOUN
fsr-3226	18	18	of	of	ADP
fsr-3226	18	19	youth	youth	NOUN
fsr-3226	18	20	1979	1979	NUM
fsr-3226	18	21	(	(	PUNCT
fsr-3226	18	22	nlsy79	nlsy79	NOUN
fsr-3226	18	23	)	)	PUNCT
fsr-3226	18	24	to	to	PART
fsr-3226	18	25	investigate	investigate	VERB
fsr-3226	18	26	the	the	DET
fsr-3226	18	27	relationship	relationship	NOUN
fsr-3226	18	28	between	between	ADP
fsr-3226	18	29	financial	financial	ADJ
fsr-3226	18	30	literacy	literacy	NOUN
fsr-3226	18	31	and	and	CCONJ
fsr-3226	18	32	household	household	NOUN
fsr-3226	18	33	demands	demand	NOUN
fsr-3226	18	34	for	for	ADP
fsr-3226	18	35	retirement	retirement	NOUN
fsr-3226	18	36	planning	planning	NOUN
fsr-3226	18	37	advice	advice	NOUN
fsr-3226	18	38	.	.	PUNCT
fsr-3226	19	1	recent	recent	ADJ
fsr-3226	19	2	retirement	retirement	NOUN
fsr-3226	19	3	adequacy	adequacy	NOUN
fsr-3226	19	4	studies	study	NOUN
fsr-3226	19	5	have	have	AUX
fsr-3226	19	6	found	find	VERB
fsr-3226	19	7	that	that	SCONJ
fsr-3226	19	8	more	more	ADJ
fsr-3226	19	9	than	than	ADP
fsr-3226	19	10	half	half	NOUN
fsr-3226	19	11	of	of	ADP
fsr-3226	19	12	u.s	u.s	PROPN
fsr-3226	19	13	.	.	PROPN
fsr-3226	19	14	households	household	NOUN
fsr-3226	19	15	are	be	AUX
fsr-3226	19	16	not	not	PART
fsr-3226	19	17	adequately	adequately	ADV
fsr-3226	19	18	prepared	prepare	VERB
fsr-3226	19	19	for	for	ADP
fsr-3226	19	20	retirement	retirement	NOUN
fsr-3226	19	21	.	.	PUNCT
fsr-3226	20	1	using	use	VERB
fsr-3226	20	2	data	datum	NOUN
fsr-3226	20	3	from	from	ADP
fsr-3226	20	4	the	the	DET
fsr-3226	20	5	2010	2010	NUM
fsr-3226	20	6	survey	survey	NOUN
fsr-3226	20	7	of	of	ADP
fsr-3226	20	8	consumer	consumer	NOUN
fsr-3226	20	9	finances	finance	NOUN
fsr-3226	20	10	(	(	PUNCT
fsr-3226	20	11	scf	scf	PROPN
fsr-3226	20	12	)	)	PUNCT
fsr-3226	20	13	,	,	PUNCT
fsr-3226	20	14	kim	kim	PROPN
fsr-3226	20	15	and	and	CCONJ
fsr-3226	20	16	hanna	hanna	PROPN
fsr-3226	20	17	(	(	PUNCT
fsr-3226	20	18	2015	2015	NUM
fsr-3226	20	19	)	)	PUNCT
fsr-3226	20	20	find	find	VERB
fsr-3226	20	21	only	only	ADV
fsr-3226	20	22	42	42	NUM
fsr-3226	20	23	%	%	NOUN
fsr-3226	20	24	of	of	ADP
fsr-3226	20	25	working	work	VERB
fsr-3226	20	26	households	household	NOUN
fsr-3226	20	27	aged	age	VERB
fsr-3226	20	28	35	35	NUM
fsr-3226	20	29	to	to	PART
fsr-3226	20	30	60	60	NUM
fsr-3226	20	31	are	be	AUX
fsr-3226	20	32	adequately	adequately	ADV
fsr-3226	20	33	prepared	prepare	VERB
fsr-3226	20	34	for	for	ADP
fsr-3226	20	35	retirement	retirement	NOUN
fsr-3226	20	36	,	,	PUNCT
fsr-3226	20	37	while	while	SCONJ
fsr-3226	20	38	46	46	NUM
fsr-3226	20	39	%	%	NOUN
fsr-3226	20	40	report	report	NOUN
fsr-3226	20	41	that	that	SCONJ
fsr-3226	20	42	they	they	PRON
fsr-3226	20	43	expect	expect	VERB
fsr-3226	20	44	to	to	PART
fsr-3226	20	45	receive	receive	VERB
fsr-3226	20	46	adequate	adequate	ADJ
fsr-3226	20	47	income	income	NOUN
fsr-3226	20	48	in	in	ADP
fsr-3226	20	49	retirement	retirement	NOUN
fsr-3226	20	50	.	.	PUNCT
fsr-3226	21	1	munnell	munnell	PROPN
fsr-3226	21	2	,	,	PUNCT
fsr-3226	21	3	webb	webb	NOUN
fsr-3226	21	4	,	,	PUNCT
fsr-3226	21	5	and	and	CCONJ
fsr-3226	21	6	golub	golub	NOUN
fsr-3226	21	7	-	-	PUNCT
fsr-3226	21	8	sass	sass	PROPN
fsr-3226	21	9	(	(	PUNCT
fsr-3226	21	10	2012	2012	NUM
fsr-3226	21	11	)	)	PUNCT
fsr-3226	21	12	note	note	VERB
fsr-3226	21	13	an	an	DET
fsr-3226	21	14	increase	increase	NOUN
fsr-3226	21	15	in	in	ADP
fsr-3226	21	16	the	the	DET
fsr-3226	21	17	proportion	proportion	NOUN
fsr-3226	21	18	of	of	ADP
fsr-3226	21	19	working	work	VERB
fsr-3226	21	20	households	household	NOUN
fsr-3226	21	21	who	who	PRON
fsr-3226	21	22	are	be	AUX
fsr-3226	21	23	at	at	ADP
fsr-3226	21	24	risk	risk	NOUN
fsr-3226	21	25	of	of	ADP
fsr-3226	21	26	being	be	AUX
fsr-3226	21	27	unable	unable	ADJ
fsr-3226	21	28	to	to	PART
fsr-3226	21	29	maintain	maintain	VERB
fsr-3226	21	30	their	their	PRON
fsr-3226	21	31	preretirement	preretirement	ADJ
fsr-3226	21	32	standard	standard	NOUN
fsr-3226	21	33	of	of	ADP
fsr-3226	21	34	living	live	VERB
fsr-3226	21	35	in	in	ADP
fsr-3226	21	36	retirement	retirement	NOUN
fsr-3226	21	37	between	between	ADP
fsr-3226	21	38	2007	2007	NUM
fsr-3226	21	39	and	and	CCONJ
fsr-3226	21	40	2010	2010	NUM
fsr-3226	21	41	from	from	ADP
fsr-3226	21	42	44	44	NUM
fsr-3226	21	43	%	%	NOUN
fsr-3226	21	44	to	to	ADP
fsr-3226	21	45	53	53	NUM
fsr-3226	21	46	%	%	NOUN
fsr-3226	21	47	.	.	PUNCT
fsr-3226	22	1	this	this	DET
fsr-3226	22	2	increase	increase	NOUN
fsr-3226	22	3	is	be	AUX
fsr-3226	22	4	attributed	attribute	VERB
fsr-3226	22	5	to	to	ADP
fsr-3226	22	6	the	the	DET
fsr-3226	22	7	combined	combined	ADJ
fsr-3226	22	8	effect	effect	NOUN
fsr-3226	22	9	of	of	ADP
fsr-3226	22	10	poor	poor	ADJ
fsr-3226	22	11	investment	investment	NOUN
fsr-3226	22	12	returns	return	NOUN
fsr-3226	22	13	,	,	PUNCT
fsr-3226	22	14	lower	low	ADJ
fsr-3226	22	15	interest	interest	NOUN
fsr-3226	22	16	rates	rate	NOUN
fsr-3226	22	17	,	,	PUNCT
fsr-3226	22	18	and	and	CCONJ
fsr-3226	22	19	the	the	DET
fsr-3226	22	20	increase	increase	NOUN
fsr-3226	22	21	in	in	ADP
fsr-3226	22	22	social	social	ADJ
fsr-3226	22	23	security	security	NOUN
fsr-3226	22	24	’s	’s	PART
fsr-3226	22	25	full	full	ADJ
fsr-3226	22	26	retirement	retirement	NOUN
fsr-3226	22	27	age	age	NOUN
fsr-3226	22	28	.	.	PUNCT
fsr-3226	23	1	despite	despite	SCONJ
fsr-3226	23	2	positive	positive	ADJ
fsr-3226	23	3	signs	sign	NOUN
fsr-3226	23	4	of	of	ADP
fsr-3226	23	5	economic	economic	ADJ
fsr-3226	23	6	recovery	recovery	NOUN
fsr-3226	23	7	,	,	PUNCT
fsr-3226	23	8	munnell	munnell	NOUN
fsr-3226	23	9	,	,	PUNCT
fsr-3226	23	10	hou	hou	NOUN
fsr-3226	23	11	,	,	PUNCT
fsr-3226	23	12	and	and	CCONJ
fsr-3226	23	13	webb	webb	PROPN
fsr-3226	23	14	(	(	PUNCT
fsr-3226	23	15	2014	2014	NUM
fsr-3226	23	16	)	)	PUNCT
fsr-3226	23	17	find	find	VERB
fsr-3226	23	18	that	that	SCONJ
fsr-3226	23	19	53	53	NUM
fsr-3226	23	20	%	%	NOUN
fsr-3226	23	21	of	of	ADP
fsr-3226	23	22	households	household	NOUN
fsr-3226	23	23	remain	remain	VERB
fsr-3226	23	24	at	at	ADP
fsr-3226	23	25	risk	risk	NOUN
fsr-3226	23	26	of	of	ADP
fsr-3226	23	27	lowered	lower	VERB
fsr-3226	23	28	standards	standard	NOUN
fsr-3226	23	29	of	of	ADP
fsr-3226	23	30	living	live	VERB
fsr-3226	23	31	in	in	ADP
fsr-3226	23	32	retirement	retirement	NOUN
fsr-3226	23	33	using	use	VERB
fsr-3226	23	34	data	datum	NOUN
fsr-3226	23	35	from	from	ADP
fsr-3226	23	36	the	the	DET
fsr-3226	23	37	2013	2013	NUM
fsr-3226	23	38	scf	scf	PROPN
fsr-3226	23	39	.	.	PUNCT
fsr-3226	24	1	a	a	DET
fsr-3226	24	2	growing	grow	VERB
fsr-3226	24	3	body	body	NOUN
fsr-3226	24	4	of	of	ADP
fsr-3226	24	5	literature	literature	NOUN
fsr-3226	24	6	indicates	indicate	VERB
fsr-3226	24	7	that	that	SCONJ
fsr-3226	24	8	financial	financial	ADJ
fsr-3226	24	9	planners	planner	NOUN
fsr-3226	24	10	provide	provide	VERB
fsr-3226	24	11	significant	significant	ADJ
fsr-3226	24	12	benefits	benefit	NOUN
fsr-3226	24	13	,	,	PUNCT
fsr-3226	24	14	both	both	CCONJ
fsr-3226	24	15	economic	economic	ADJ
fsr-3226	24	16	and	and	CCONJ
fsr-3226	24	17	psychological	psychological	ADJ
fsr-3226	24	18	,	,	PUNCT
fsr-3226	24	19	in	in	ADP
fsr-3226	24	20	helping	help	VERB
fsr-3226	24	21	individuals	individual	NOUN
fsr-3226	24	22	prepare	prepare	VERB
fsr-3226	24	23	for	for	ADP
fsr-3226	24	24	retirement	retirement	NOUN
fsr-3226	24	25	.	.	PUNCT
fsr-3226	25	1	two	two	NUM
fsr-3226	25	2	key	key	ADJ
fsr-3226	25	3	studies	study	NOUN
fsr-3226	25	4	investigating	investigate	VERB
fsr-3226	25	5	the	the	DET
fsr-3226	25	6	economic	economic	ADJ
fsr-3226	25	7	benefit	benefit	NOUN
fsr-3226	25	8	of	of	ADP
fsr-3226	25	9	financial	financial	ADJ
fsr-3226	25	10	advice	advice	NOUN
fsr-3226	25	11	are	be	AUX
fsr-3226	25	12	blanchett	blanchett	PROPN
fsr-3226	25	13	and	and	CCONJ
fsr-3226	25	14	kaplan	kaplan	PROPN
fsr-3226	25	15	(	(	PUNCT
fsr-3226	25	16	2013	2013	NUM
fsr-3226	25	17	)	)	PUNCT
fsr-3226	25	18	and	and	CCONJ
fsr-3226	25	19	grable	grable	NOUN
fsr-3226	25	20	and	and	CCONJ
fsr-3226	25	21	chatterjee	chatterjee	PROPN
fsr-3226	25	22	(	(	PUNCT
fsr-3226	25	23	2014	2014	NUM
fsr-3226	25	24	)	)	PUNCT
fsr-3226	25	25	.	.	PUNCT
fsr-3226	26	1	blanchett	blanchett	PROPN
fsr-3226	26	2	and	and	CCONJ
fsr-3226	26	3	kaplan	kaplan	PROPN
fsr-3226	26	4	(	(	PUNCT
fsr-3226	26	5	2013	2013	NUM
fsr-3226	26	6	)	)	PUNCT
fsr-3226	26	7	quantify	quantify	VERB
fsr-3226	26	8	the	the	DET
fsr-3226	26	9	benefit	benefit	NOUN
fsr-3226	26	10	of	of	ADP
fsr-3226	26	11	retirement	retirement	NOUN
fsr-3226	26	12	planning	planning	NOUN
fsr-3226	26	13	advice	advice	NOUN
fsr-3226	26	14	as	as	ADP
fsr-3226	26	15	gamma	gamma	NOUN
fsr-3226	26	16	,	,	PUNCT
fsr-3226	26	17	a	a	DET
fsr-3226	26	18	measure	measure	NOUN
fsr-3226	26	19	of	of	ADP
fsr-3226	26	20	the	the	DET
fsr-3226	26	21	increased	increase	VERB
fsr-3226	26	22	potential	potential	ADJ
fsr-3226	26	23	retirement	retirement	NOUN
fsr-3226	26	24	income	income	NOUN
fsr-3226	26	25	an	an	DET
fsr-3226	26	26	individual	individual	NOUN
fsr-3226	26	27	receives	receive	VERB
fsr-3226	26	28	from	from	ADP
fsr-3226	26	29	working	work	VERB
fsr-3226	26	30	with	with	ADP
fsr-3226	26	31	an	an	DET
fsr-3226	26	32	advisor	advisor	NOUN
fsr-3226	26	33	.	.	PUNCT
fsr-3226	27	1	their	their	PRON
fsr-3226	27	2	work	work	NOUN
fsr-3226	27	3	suggests	suggest	VERB
fsr-3226	27	4	that	that	SCONJ
fsr-3226	27	5	,	,	PUNCT
fsr-3226	27	6	through	through	ADP
fsr-3226	27	7	managing	manage	VERB
fsr-3226	27	8	investments	investment	NOUN
fsr-3226	27	9	,	,	PUNCT
fsr-3226	27	10	taxes	taxis	NOUN
fsr-3226	27	11	,	,	PUNCT
fsr-3226	27	12	and	and	CCONJ
fsr-3226	27	13	retirement	retirement	NOUN
fsr-3226	27	14	withdrawals	withdrawal	NOUN
fsr-3226	27	15	,	,	PUNCT
fsr-3226	27	16	an	an	DET
fsr-3226	27	17	individual	individual	NOUN
fsr-3226	27	18	’s	’s	PART
fsr-3226	27	19	retirement	retirement	NOUN
fsr-3226	27	20	income	income	NOUN
fsr-3226	27	21	can	can	AUX
fsr-3226	27	22	be	be	AUX
fsr-3226	27	23	increased	increase	VERB
fsr-3226	27	24	by	by	ADP
fsr-3226	27	25	22.6	22.6	NUM
fsr-3226	27	26	%	%	NOUN
fsr-3226	27	27	by	by	ADP
fsr-3226	27	28	working	work	VERB
fsr-3226	27	29	with	with	ADP
fsr-3226	27	30	an	an	DET
fsr-3226	27	31	advisor	advisor	NOUN
fsr-3226	27	32	.	.	PUNCT
fsr-3226	28	1	similarly	similarly	ADV
fsr-3226	28	2	,	,	PUNCT
fsr-3226	28	3	grable	grable	ADJ
fsr-3226	28	4	and	and	CCONJ
fsr-3226	28	5	chatterjee	chatterjee	PROPN
fsr-3226	28	6	(	(	PUNCT
fsr-3226	28	7	2014	2014	NUM
fsr-3226	28	8	)	)	PUNCT
fsr-3226	28	9	introduce	introduce	VERB
fsr-3226	28	10	zeta	zeta	NOUN
fsr-3226	28	11	,	,	PUNCT
fsr-3226	28	12	a	a	DET
fsr-3226	28	13	measure	measure	NOUN
fsr-3226	28	14	of	of	ADP
fsr-3226	28	15	how	how	SCONJ
fsr-3226	28	16	a	a	DET
fsr-3226	28	17	financial	financial	ADJ
fsr-3226	28	18	advice	advice	NOUN
fsr-3226	28	19	can	can	AUX
fsr-3226	28	20	limit	limit	VERB
fsr-3226	28	21	wealth	wealth	NOUN
fsr-3226	28	22	volatility	volatility	NOUN
fsr-3226	28	23	and	and	CCONJ
fsr-3226	28	24	loss	loss	NOUN
fsr-3226	28	25	in	in	ADP
fsr-3226	28	26	times	time	NOUN
fsr-3226	28	27	of	of	ADP
fsr-3226	28	28	economic	economic	ADJ
fsr-3226	28	29	turmoil	turmoil	NOUN
fsr-3226	28	30	.	.	PUNCT
fsr-3226	29	1	they	they	PRON
fsr-3226	29	2	find	find	VERB
fsr-3226	29	3	that	that	SCONJ
fsr-3226	29	4	individuals	individual	NOUN
fsr-3226	29	5	who	who	PRON
fsr-3226	29	6	met	meet	VERB
fsr-3226	29	7	with	with	ADP
fsr-3226	29	8	a	a	DET
fsr-3226	29	9	financial	financial	ADJ
fsr-3226	29	10	advisor	advisor	NOUN
fsr-3226	29	11	experienced	experience	VERB
fsr-3226	29	12	significantly	significantly	ADV
fsr-3226	29	13	less	less	ADJ
fsr-3226	29	14	wealth	wealth	NOUN
fsr-3226	29	15	volatility	volatility	NOUN
fsr-3226	29	16	over	over	ADP
fsr-3226	29	17	the	the	DET
fsr-3226	29	18	great	great	ADJ
fsr-3226	29	19	recession	recession	NOUN
fsr-3226	29	20	.	.	PUNCT
fsr-3226	30	1	in	in	ADP
fsr-3226	30	2	terms	term	NOUN
fsr-3226	30	3	of	of	ADP
fsr-3226	30	4	psychological	psychological	ADJ
fsr-3226	30	5	benefits	benefit	NOUN
fsr-3226	30	6	,	,	PUNCT
fsr-3226	30	7	individuals	individual	NOUN
fsr-3226	30	8	who	who	PRON
fsr-3226	30	9	meet	meet	VERB
fsr-3226	30	10	with	with	ADP
fsr-3226	30	11	a	a	DET
fsr-3226	30	12	financial	financial	ADJ
fsr-3226	30	13	advisor	advisor	NOUN
fsr-3226	30	14	are	be	AUX
fsr-3226	30	15	more	more	ADV
fsr-3226	30	16	likely	likely	ADJ
fsr-3226	30	17	to	to	PART
fsr-3226	30	18	establish	establish	VERB
fsr-3226	30	19	long	long	ADJ
fsr-3226	30	20	-	-	PUNCT
fsr-3226	30	21	term	term	NOUN
fsr-3226	30	22	goals	goal	NOUN
fsr-3226	30	23	and	and	CCONJ
fsr-3226	30	24	be	be	AUX
fsr-3226	30	25	confident	confident	ADJ
fsr-3226	30	26	in	in	ADP
fsr-3226	30	27	their	their	PRON
fsr-3226	30	28	retirement	retirement	NOUN
fsr-3226	30	29	plan	plan	NOUN
fsr-3226	30	30	(	(	PUNCT
fsr-3226	30	31	marsden	marsden	PROPN
fsr-3226	30	32	,	,	PUNCT
fsr-3226	30	33	zick	zick	PROPN
fsr-3226	30	34	,	,	PUNCT
fsr-3226	30	35	and	and	CCONJ
fsr-3226	30	36	mayer	mayer	PROPN
fsr-3226	30	37	,	,	PUNCT
fsr-3226	30	38	2011	2011	NUM
fsr-3226	30	39	)	)	PUNCT
fsr-3226	30	40	.	.	PUNCT
fsr-3226	31	1	further	far	ADV
fsr-3226	31	2	,	,	PUNCT
fsr-3226	31	3	households	household	NOUN
fsr-3226	31	4	who	who	PRON
fsr-3226	31	5	receive	receive	VERB
fsr-3226	31	6	financial	financial	ADJ
fsr-3226	31	7	planning	planning	NOUN
fsr-3226	31	8	advice	advice	NOUN
fsr-3226	31	9	exhibit	exhibit	VERB
fsr-3226	31	10	greater	great	ADJ
fsr-3226	31	11	consistency	consistency	NOUN
fsr-3226	31	12	between	between	ADP
fsr-3226	31	13	risk	risk	NOUN
fsr-3226	31	14	attitudes	attitude	NOUN
fsr-3226	31	15	and	and	CCONJ
fsr-3226	31	16	financial	financial	ADJ
fsr-3226	31	17	behaviors	behavior	NOUN
fsr-3226	31	18	(	(	PUNCT
fsr-3226	31	19	park	park	NOUN
fsr-3226	31	20	and	and	CCONJ
fsr-3226	31	21	yao	yao	NOUN
fsr-3226	31	22	,	,	PUNCT
fsr-3226	31	23	2015	2015	NUM
fsr-3226	31	24	)	)	PUNCT
fsr-3226	31	25	.	.	PUNCT
fsr-3226	32	1	given	give	VERB
fsr-3226	32	2	the	the	DET
fsr-3226	32	3	important	important	ADJ
fsr-3226	32	4	role	role	NOUN
fsr-3226	32	5	that	that	PRON
fsr-3226	32	6	financial	financial	ADJ
fsr-3226	32	7	literary	literary	ADJ
fsr-3226	32	8	and	and	CCONJ
fsr-3226	32	9	financial	financial	ADJ
fsr-3226	32	10	planners	planner	NOUN
fsr-3226	32	11	play	play	VERB
fsr-3226	32	12	in	in	ADP
fsr-3226	32	13	retirement	retirement	NOUN
fsr-3226	32	14	planning	planning	NOUN
fsr-3226	32	15	,	,	PUNCT
fsr-3226	32	16	the	the	DET
fsr-3226	32	17	current	current	ADJ
fsr-3226	32	18	study	study	NOUN
fsr-3226	32	19	extends	extend	VERB
fsr-3226	32	20	previous	previous	ADJ
fsr-3226	32	21	literature	literature	NOUN
fsr-3226	32	22	in	in	ADP
fsr-3226	32	23	three	three	NUM
fsr-3226	32	24	ways	way	NOUN
fsr-3226	32	25	.	.	PUNCT
fsr-3226	33	1	first	first	ADV
fsr-3226	33	2	,	,	PUNCT
fsr-3226	33	3	the	the	DET
fsr-3226	33	4	nlsy79	nlsy79	NOUN
fsr-3226	33	5	provides	provide	VERB
fsr-3226	33	6	a	a	DET
fsr-3226	33	7	specific	specific	ADJ
fsr-3226	33	8	measure	measure	NOUN
fsr-3226	33	9	of	of	ADP
fsr-3226	33	10	financial	financial	ADJ
fsr-3226	33	11	planner	planner	NOUN
fsr-3226	33	12	use	use	NOUN
fsr-3226	33	13	for	for	ADP
fsr-3226	33	14	retirement	retirement	NOUN
fsr-3226	33	15	planning	planning	NOUN
fsr-3226	33	16	.	.	PUNCT
fsr-3226	34	1	second	second	ADJ
fsr-3226	34	2	,	,	PUNCT
fsr-3226	34	3	previous	previous	ADJ
fsr-3226	34	4	work	work	NOUN
fsr-3226	34	5	has	have	AUX
fsr-3226	34	6	not	not	PART
fsr-3226	34	7	been	be	AUX
fsr-3226	34	8	able	able	ADJ
fsr-3226	34	9	to	to	PART
fsr-3226	34	10	incorporate	incorporate	VERB
fsr-3226	34	11	huston	huston	PROPN
fsr-3226	34	12	’s	’s	PART
fsr-3226	34	13	(	(	PUNCT
fsr-3226	34	14	2010	2010	NUM
fsr-3226	34	15	)	)	PUNCT
fsr-3226	34	16	financial	financial	ADJ
fsr-3226	34	17	literacy	literacy	NOUN
fsr-3226	34	18	framework	framework	NOUN
fsr-3226	34	19	332	332	NUM
fsr-3226	34	20	m.c	m.c	PROPN
fsr-3226	35	1	.	.	PROPN
fsr-3226	35	2	seay	seay	PROPN
fsr-3226	35	3	et	et	PROPN
fsr-3226	35	4	al	al	PROPN
fsr-3226	35	5	.	.	PUNCT
fsr-3226	35	6	/	/	SYM
fsr-3226	35	7	financial	financial	ADJ
fsr-3226	35	8	services	service	NOUN
fsr-3226	35	9	review	review	VERB
fsr-3226	35	10	25	25	NUM
fsr-3226	35	11	(	(	PUNCT
fsr-3226	35	12	2016	2016	NUM
fsr-3226	35	13	)	)	PUNCT
fsr-3226	36	1	331–350	331–350	NUM
fsr-3226	36	2	by	by	ADP
fsr-3226	36	3	simultaneously	simultaneously	ADV
fsr-3226	36	4	exploring	explore	VERB
fsr-3226	36	5	financial	financial	ADJ
fsr-3226	36	6	knowledge	knowledge	NOUN
fsr-3226	36	7	,	,	PUNCT
fsr-3226	36	8	financial	financial	ADJ
fsr-3226	36	9	confidence	confidence	NOUN
fsr-3226	36	10	,	,	PUNCT
fsr-3226	36	11	and	and	CCONJ
fsr-3226	36	12	financial	financial	ADJ
fsr-3226	36	13	capability	capability	NOUN
fsr-3226	36	14	.	.	PUNCT
fsr-3226	37	1	previous	previous	ADJ
fsr-3226	37	2	work	work	NOUN
fsr-3226	37	3	has	have	AUX
fsr-3226	37	4	also	also	ADV
fsr-3226	37	5	used	use	VERB
fsr-3226	37	6	summated	summate	VERB
fsr-3226	37	7	measures	measure	NOUN
fsr-3226	37	8	of	of	ADP
fsr-3226	37	9	financial	financial	ADJ
fsr-3226	37	10	knowledge	knowledge	NOUN
fsr-3226	37	11	,	,	PUNCT
fsr-3226	37	12	which	which	PRON
fsr-3226	37	13	may	may	AUX
fsr-3226	37	14	have	have	AUX
fsr-3226	37	15	limited	limit	VERB
fsr-3226	37	16	the	the	DET
fsr-3226	37	17	ability	ability	NOUN
fsr-3226	37	18	of	of	ADP
fsr-3226	37	19	researchers	researcher	NOUN
fsr-3226	37	20	to	to	PART
fsr-3226	37	21	detect	detect	VERB
fsr-3226	37	22	the	the	DET
fsr-3226	37	23	types	type	NOUN
fsr-3226	37	24	of	of	ADP
fsr-3226	37	25	knowledge	knowledge	NOUN
fsr-3226	37	26	associated	associate	VERB
fsr-3226	37	27	with	with	ADP
fsr-3226	37	28	help	help	NOUN
fsr-3226	37	29	-	-	PUNCT
fsr-3226	37	30	seeking	seek	VERB
fsr-3226	37	31	activity	activity	NOUN
fsr-3226	37	32	.	.	PUNCT
fsr-3226	38	1	lastly	lastly	ADV
fsr-3226	38	2	,	,	PUNCT
fsr-3226	38	3	the	the	DET
fsr-3226	38	4	use	use	NOUN
fsr-3226	38	5	of	of	ADP
fsr-3226	38	6	longitudinal	longitudinal	ADJ
fsr-3226	38	7	data	datum	NOUN
fsr-3226	38	8	allows	allow	VERB
fsr-3226	38	9	us	we	PRON
fsr-3226	38	10	to	to	PART
fsr-3226	38	11	better	well	ADV
fsr-3226	38	12	explore	explore	VERB
fsr-3226	38	13	how	how	SCONJ
fsr-3226	38	14	financial	financial	ADJ
fsr-3226	38	15	literacy	literacy	NOUN
fsr-3226	38	16	is	be	AUX
fsr-3226	38	17	related	relate	VERB
fsr-3226	38	18	to	to	ADP
fsr-3226	38	19	the	the	DET
fsr-3226	38	20	initiation	initiation	NOUN
fsr-3226	38	21	,	,	PUNCT
fsr-3226	38	22	maintenance	maintenance	NOUN
fsr-3226	38	23	,	,	PUNCT
fsr-3226	38	24	and	and	CCONJ
fsr-3226	38	25	termination	termination	NOUN
fsr-3226	38	26	of	of	ADP
fsr-3226	38	27	financial	financial	ADJ
fsr-3226	38	28	planner	planner	NOUN
fsr-3226	38	29	use	use	NOUN
fsr-3226	38	30	.	.	PUNCT
fsr-3226	39	1	2	2	X
fsr-3226	39	2	.	.	X
fsr-3226	39	3	literature	literature	NOUN
fsr-3226	39	4	review	review	VERB
fsr-3226	39	5	2.1	2.1	NUM
fsr-3226	39	6	.	.	PUNCT
fsr-3226	40	1	defining	define	VERB
fsr-3226	40	2	financial	financial	ADJ
fsr-3226	40	3	literacy	literacy	NOUN
fsr-3226	40	4	the	the	DET
fsr-3226	40	5	terms	term	NOUN
fsr-3226	40	6	financial	financial	ADJ
fsr-3226	40	7	knowledge	knowledge	NOUN
fsr-3226	40	8	and	and	CCONJ
fsr-3226	40	9	financial	financial	ADJ
fsr-3226	40	10	literacy	literacy	NOUN
fsr-3226	40	11	have	have	AUX
fsr-3226	40	12	been	be	AUX
fsr-3226	40	13	used	use	VERB
fsr-3226	40	14	when	when	SCONJ
fsr-3226	40	15	referring	refer	VERB
fsr-3226	40	16	to	to	ADP
fsr-3226	40	17	an	an	DET
fsr-3226	40	18	individual	individual	NOUN
fsr-3226	40	19	’s	’s	PART
fsr-3226	40	20	ability	ability	NOUN
fsr-3226	40	21	to	to	PART
fsr-3226	40	22	make	make	VERB
fsr-3226	40	23	financial	financial	ADJ
fsr-3226	40	24	decisions	decision	NOUN
fsr-3226	40	25	.	.	PUNCT
fsr-3226	41	1	however	however	ADV
fsr-3226	41	2	,	,	PUNCT
fsr-3226	41	3	these	these	DET
fsr-3226	41	4	terms	term	NOUN
fsr-3226	41	5	have	have	AUX
fsr-3226	41	6	often	often	ADV
fsr-3226	41	7	been	be	AUX
fsr-3226	41	8	used	use	VERB
fsr-3226	41	9	interchangeably	interchangeably	ADV
fsr-3226	41	10	and	and	CCONJ
fsr-3226	41	11	with	with	ADP
fsr-3226	41	12	inconsistent	inconsistent	ADJ
fsr-3226	41	13	definitions	definition	NOUN
fsr-3226	41	14	.	.	PUNCT
fsr-3226	42	1	given	give	VERB
fsr-3226	42	2	this	this	DET
fsr-3226	42	3	confusion	confusion	NOUN
fsr-3226	42	4	,	,	PUNCT
fsr-3226	42	5	huston	huston	PROPN
fsr-3226	42	6	(	(	PUNCT
fsr-3226	42	7	2010	2010	NUM
fsr-3226	42	8	)	)	PUNCT
fsr-3226	42	9	has	have	AUX
fsr-3226	42	10	provided	provide	VERB
fsr-3226	42	11	a	a	DET
fsr-3226	42	12	clear	clear	ADJ
fsr-3226	42	13	definitional	definitional	ADJ
fsr-3226	42	14	and	and	CCONJ
fsr-3226	42	15	theoretical	theoretical	ADJ
fsr-3226	42	16	framework	framework	NOUN
fsr-3226	42	17	for	for	ADP
fsr-3226	42	18	financial	financial	ADJ
fsr-3226	42	19	literacy	literacy	NOUN
fsr-3226	42	20	.	.	PUNCT
fsr-3226	43	1	according	accord	VERB
fsr-3226	43	2	to	to	ADP
fsr-3226	43	3	huston	huston	PROPN
fsr-3226	43	4	(	(	PUNCT
fsr-3226	43	5	2010	2010	NUM
fsr-3226	43	6	)	)	PUNCT
fsr-3226	43	7	,	,	PUNCT
fsr-3226	43	8	financially	financially	ADV
fsr-3226	43	9	literate	literate	ADJ
fsr-3226	43	10	individuals	individual	NOUN
fsr-3226	43	11	must	must	AUX
fsr-3226	43	12	not	not	PART
fsr-3226	43	13	only	only	ADV
fsr-3226	43	14	be	be	AUX
fsr-3226	43	15	knowledgeable	knowledgeable	ADJ
fsr-3226	43	16	,	,	PUNCT
fsr-3226	43	17	but	but	CCONJ
fsr-3226	43	18	also	also	ADV
fsr-3226	43	19	have	have	VERB
fsr-3226	43	20	the	the	DET
fsr-3226	43	21	ability	ability	NOUN
fsr-3226	43	22	to	to	PART
fsr-3226	43	23	apply	apply	VERB
fsr-3226	43	24	that	that	DET
fsr-3226	43	25	knowledge	knowledge	NOUN
fsr-3226	43	26	to	to	ADP
fsr-3226	43	27	specific	specific	ADJ
fsr-3226	43	28	circumstances	circumstance	NOUN
fsr-3226	43	29	.	.	PUNCT
fsr-3226	44	1	financial	financial	ADJ
fsr-3226	44	2	knowledge	knowledge	NOUN
fsr-3226	44	3	is	be	AUX
fsr-3226	44	4	defined	define	VERB
fsr-3226	44	5	as	as	ADP
fsr-3226	44	6	a	a	DET
fsr-3226	44	7	measure	measure	NOUN
fsr-3226	44	8	of	of	ADP
fsr-3226	44	9	an	an	DET
fsr-3226	44	10	individual	individual	NOUN
fsr-3226	44	11	’s	’s	PART
fsr-3226	44	12	objective	objective	ADJ
fsr-3226	44	13	understanding	understanding	NOUN
fsr-3226	44	14	of	of	ADP
fsr-3226	44	15	financial	financial	ADJ
fsr-3226	44	16	concepts	concept	NOUN
fsr-3226	44	17	and	and	CCONJ
fsr-3226	44	18	is	be	AUX
fsr-3226	44	19	typically	typically	ADV
fsr-3226	44	20	assessed	assess	VERB
fsr-3226	44	21	by	by	ADP
fsr-3226	44	22	asking	ask	VERB
fsr-3226	44	23	individuals	individual	NOUN
fsr-3226	44	24	a	a	DET
fsr-3226	44	25	series	series	NOUN
fsr-3226	44	26	of	of	ADP
fsr-3226	44	27	factual	factual	ADJ
fsr-3226	44	28	financial	financial	ADJ
fsr-3226	44	29	questions	question	NOUN
fsr-3226	44	30	.	.	PUNCT
fsr-3226	45	1	an	an	DET
fsr-3226	45	2	individual	individual	NOUN
fsr-3226	45	3	’s	’s	PART
fsr-3226	45	4	knowledge	knowledge	NOUN
fsr-3226	45	5	is	be	AUX
fsr-3226	45	6	then	then	ADV
fsr-3226	45	7	rated	rate	VERB
fsr-3226	45	8	based	base	VERB
fsr-3226	45	9	on	on	ADP
fsr-3226	45	10	the	the	DET
fsr-3226	45	11	number	number	NOUN
fsr-3226	45	12	or	or	CCONJ
fsr-3226	45	13	difficulty	difficulty	NOUN
fsr-3226	45	14	of	of	ADP
fsr-3226	45	15	questions	question	NOUN
fsr-3226	45	16	they	they	PRON
fsr-3226	45	17	are	be	AUX
fsr-3226	45	18	able	able	ADJ
fsr-3226	45	19	to	to	PART
fsr-3226	45	20	answer	answer	VERB
fsr-3226	45	21	correctly	correctly	ADV
fsr-3226	45	22	.	.	PUNCT
fsr-3226	46	1	a	a	DET
fsr-3226	46	2	review	review	NOUN
fsr-3226	46	3	of	of	ADP
fsr-3226	46	4	literature	literature	NOUN
fsr-3226	46	5	indicates	indicate	VERB
fsr-3226	46	6	that	that	SCONJ
fsr-3226	46	7	,	,	PUNCT
fsr-3226	46	8	in	in	ADP
fsr-3226	46	9	many	many	ADJ
fsr-3226	46	10	cases	case	NOUN
fsr-3226	46	11	,	,	PUNCT
fsr-3226	46	12	the	the	DET
fsr-3226	46	13	term	term	NOUN
fsr-3226	46	14	financial	financial	ADJ
fsr-3226	46	15	literacy	literacy	NOUN
fsr-3226	46	16	is	be	AUX
fsr-3226	46	17	used	use	VERB
fsr-3226	46	18	to	to	PART
fsr-3226	46	19	convey	convey	VERB
fsr-3226	46	20	what	what	PRON
fsr-3226	46	21	huston	huston	PROPN
fsr-3226	46	22	(	(	PUNCT
fsr-3226	46	23	2010	2010	NUM
fsr-3226	46	24	)	)	PUNCT
fsr-3226	46	25	defines	define	NOUN
fsr-3226	46	26	as	as	ADP
fsr-3226	46	27	financial	financial	ADJ
fsr-3226	46	28	knowledge	knowledge	NOUN
fsr-3226	46	29	.	.	PUNCT
fsr-3226	47	1	however	however	ADV
fsr-3226	47	2	,	,	PUNCT
fsr-3226	47	3	to	to	PART
fsr-3226	47	4	be	be	AUX
fsr-3226	47	5	financially	financially	ADV
fsr-3226	47	6	literate	literate	ADJ
fsr-3226	47	7	individuals	individual	NOUN
fsr-3226	47	8	must	must	AUX
fsr-3226	47	9	be	be	AUX
fsr-3226	47	10	able	able	ADJ
fsr-3226	47	11	to	to	PART
fsr-3226	47	12	apply	apply	VERB
fsr-3226	47	13	this	this	DET
fsr-3226	47	14	knowledge	knowledge	NOUN
fsr-3226	47	15	.	.	PUNCT
fsr-3226	48	1	huston	huston	PROPN
fsr-3226	48	2	(	(	PUNCT
fsr-3226	48	3	2010	2010	NUM
fsr-3226	48	4	)	)	PUNCT
fsr-3226	48	5	indicates	indicate	VERB
fsr-3226	48	6	that	that	SCONJ
fsr-3226	48	7	an	an	DET
fsr-3226	48	8	individual	individual	NOUN
fsr-3226	48	9	must	must	AUX
fsr-3226	48	10	have	have	VERB
fsr-3226	48	11	confidence	confidence	NOUN
fsr-3226	48	12	in	in	ADP
fsr-3226	48	13	his	his	PRON
fsr-3226	48	14	or	or	CCONJ
fsr-3226	48	15	her	her	PRON
fsr-3226	48	16	knowledge	knowledge	NOUN
fsr-3226	48	17	and	and	CCONJ
fsr-3226	48	18	be	be	AUX
fsr-3226	48	19	capable	capable	ADJ
fsr-3226	48	20	of	of	ADP
fsr-3226	48	21	applying	apply	VERB
fsr-3226	48	22	that	that	DET
fsr-3226	48	23	knowledge	knowledge	NOUN
fsr-3226	48	24	to	to	ADP
fsr-3226	48	25	a	a	DET
fsr-3226	48	26	financial	financial	ADJ
fsr-3226	48	27	scenario	scenario	NOUN
fsr-3226	48	28	.	.	PUNCT
fsr-3226	49	1	simply	simply	ADV
fsr-3226	49	2	put	put	VERB
fsr-3226	49	3	,	,	PUNCT
fsr-3226	49	4	without	without	ADP
fsr-3226	49	5	confidence	confidence	NOUN
fsr-3226	49	6	in	in	ADP
fsr-3226	49	7	one	one	NUM
fsr-3226	49	8	’s	’s	PART
fsr-3226	49	9	ability	ability	NOUN
fsr-3226	49	10	and	and	CCONJ
fsr-3226	49	11	the	the	DET
fsr-3226	49	12	innate	innate	ADJ
fsr-3226	49	13	capability	capability	NOUN
fsr-3226	49	14	to	to	PART
fsr-3226	49	15	translate	translate	VERB
fsr-3226	49	16	knowledge	knowledge	NOUN
fsr-3226	49	17	into	into	ADP
fsr-3226	49	18	action	action	NOUN
fsr-3226	49	19	,	,	PUNCT
fsr-3226	49	20	financial	financial	ADJ
fsr-3226	49	21	knowledge	knowledge	NOUN
fsr-3226	49	22	alone	alone	ADV
fsr-3226	49	23	may	may	AUX
fsr-3226	49	24	be	be	AUX
fsr-3226	49	25	insufficient	insufficient	ADJ
fsr-3226	49	26	to	to	PART
fsr-3226	49	27	spur	spur	VERB
fsr-3226	49	28	positive	positive	ADJ
fsr-3226	49	29	financial	financial	ADJ
fsr-3226	49	30	behavior	behavior	NOUN
fsr-3226	49	31	.	.	PUNCT
fsr-3226	50	1	this	this	DET
fsr-3226	50	2	article	article	NOUN
fsr-3226	50	3	’s	’s	PART
fsr-3226	50	4	approach	approach	NOUN
fsr-3226	50	5	is	be	AUX
fsr-3226	50	6	similar	similar	ADJ
fsr-3226	50	7	to	to	ADP
fsr-3226	50	8	huston	huston	PROPN
fsr-3226	50	9	(	(	PUNCT
fsr-3226	50	10	2010	2010	NUM
fsr-3226	50	11	)	)	PUNCT
fsr-3226	50	12	as	as	SCONJ
fsr-3226	50	13	we	we	PRON
fsr-3226	50	14	seek	seek	VERB
fsr-3226	50	15	to	to	PART
fsr-3226	50	16	clearly	clearly	ADV
fsr-3226	50	17	define	define	VERB
fsr-3226	50	18	and	and	CCONJ
fsr-3226	50	19	distinguish	distinguish	VERB
fsr-3226	50	20	between	between	ADP
fsr-3226	50	21	financial	financial	ADJ
fsr-3226	50	22	knowledge	knowledge	NOUN
fsr-3226	50	23	and	and	CCONJ
fsr-3226	50	24	financial	financial	ADJ
fsr-3226	50	25	literacy	literacy	NOUN
fsr-3226	50	26	.	.	PUNCT
fsr-3226	51	1	2.2	2.2	NUM
fsr-3226	51	2	.	.	PUNCT
fsr-3226	51	3	financial	financial	ADJ
fsr-3226	51	4	literacy	literacy	NOUN
fsr-3226	51	5	and	and	CCONJ
fsr-3226	51	6	financial	financial	ADJ
fsr-3226	51	7	behavior	behavior	NOUN
fsr-3226	51	8	the	the	DET
fsr-3226	51	9	majority	majority	NOUN
fsr-3226	51	10	of	of	ADP
fsr-3226	51	11	research	research	NOUN
fsr-3226	51	12	into	into	ADP
fsr-3226	51	13	financial	financial	ADJ
fsr-3226	51	14	literacy	literacy	NOUN
fsr-3226	51	15	has	have	AUX
fsr-3226	51	16	focused	focus	VERB
fsr-3226	51	17	on	on	ADP
fsr-3226	51	18	financial	financial	ADJ
fsr-3226	51	19	knowledge	knowledge	NOUN
fsr-3226	51	20	.	.	PUNCT
fsr-3226	52	1	financially	financially	ADV
fsr-3226	52	2	knowledgeable	knowledgeable	ADJ
fsr-3226	52	3	households	household	NOUN
fsr-3226	52	4	are	be	AUX
fsr-3226	52	5	consistently	consistently	ADV
fsr-3226	52	6	found	find	VERB
fsr-3226	52	7	to	to	PART
fsr-3226	52	8	be	be	AUX
fsr-3226	52	9	more	more	ADV
fsr-3226	52	10	likely	likely	ADJ
fsr-3226	52	11	to	to	PART
fsr-3226	52	12	exhibit	exhibit	VERB
fsr-3226	52	13	beneficial	beneficial	ADJ
fsr-3226	52	14	financial	financial	ADJ
fsr-3226	52	15	behaviors	behavior	NOUN
fsr-3226	52	16	,	,	PUNCT
fsr-3226	52	17	while	while	SCONJ
fsr-3226	52	18	less	less	ADV
fsr-3226	52	19	financially	financially	ADV
fsr-3226	52	20	knowledgeable	knowledgeable	ADJ
fsr-3226	52	21	households	household	NOUN
fsr-3226	52	22	tend	tend	VERB
fsr-3226	52	23	to	to	PART
fsr-3226	52	24	exhibit	exhibit	VERB
fsr-3226	52	25	more	more	ADJ
fsr-3226	52	26	troubling	troubling	ADJ
fsr-3226	52	27	behaviors	behavior	NOUN
fsr-3226	52	28	.	.	PUNCT
fsr-3226	53	1	financial	financial	ADJ
fsr-3226	53	2	knowledge	knowledge	NOUN
fsr-3226	53	3	is	be	AUX
fsr-3226	53	4	negatively	negatively	ADV
fsr-3226	53	5	associated	associate	VERB
fsr-3226	53	6	with	with	ADP
fsr-3226	53	7	high	high	ADJ
fsr-3226	53	8	cost	cost	NOUN
fsr-3226	53	9	debt	debt	NOUN
fsr-3226	53	10	borrowing	borrowing	NOUN
fsr-3226	53	11	instruments	instrument	NOUN
fsr-3226	53	12	(	(	PUNCT
fsr-3226	53	13	lusardi	lusardi	NOUN
fsr-3226	53	14	and	and	CCONJ
fsr-3226	53	15	scheresberg	scheresberg	ADV
fsr-3226	53	16	,	,	PUNCT
fsr-3226	53	17	2013	2013	NUM
fsr-3226	53	18	;	;	PUNCT
fsr-3226	53	19	robb	robb	VERB
fsr-3226	53	20	et	et	PROPN
fsr-3226	53	21	al	al	PROPN
fsr-3226	53	22	.	.	PROPN
fsr-3226	53	23	,	,	PUNCT
fsr-3226	53	24	2015	2015	NUM
fsr-3226	53	25	)	)	PUNCT
fsr-3226	53	26	and	and	CCONJ
fsr-3226	53	27	positively	positively	ADV
fsr-3226	53	28	associated	associate	VERB
fsr-3226	53	29	with	with	ADP
fsr-3226	53	30	more	more	ADV
fsr-3226	53	31	responsible	responsible	ADJ
fsr-3226	53	32	credit	credit	NOUN
fsr-3226	53	33	card	card	NOUN
fsr-3226	53	34	practices	practice	NOUN
fsr-3226	53	35	(	(	PUNCT
fsr-3226	53	36	allgood	allgood	NOUN
fsr-3226	53	37	and	and	CCONJ
fsr-3226	53	38	walstad	walstad	NOUN
fsr-3226	53	39	,	,	PUNCT
fsr-3226	53	40	2013	2013	NUM
fsr-3226	53	41	;	;	PUNCT
fsr-3226	53	42	xiao	xiao	PROPN
fsr-3226	53	43	et	et	PROPN
fsr-3226	53	44	al	al	PROPN
fsr-3226	53	45	.	.	PROPN
fsr-3226	53	46	,	,	PUNCT
fsr-3226	53	47	2011	2011	NUM
fsr-3226	53	48	)	)	PUNCT
fsr-3226	53	49	and	and	CCONJ
fsr-3226	53	50	“	"	PUNCT
fsr-3226	53	51	best	good	ADJ
fsr-3226	53	52	practice”1	practice”1	ADJ
fsr-3226	53	53	financial	financial	ADJ
fsr-3226	53	54	behavior	behavior	NOUN
fsr-3226	53	55	(	(	PUNCT
fsr-3226	53	56	robb	robb	NOUN
fsr-3226	53	57	&	&	CCONJ
fsr-3226	53	58	woodyard	woodyard	PROPN
fsr-3226	53	59	,	,	PUNCT
fsr-3226	53	60	2011	2011	NUM
fsr-3226	53	61	)	)	PUNCT
fsr-3226	53	62	.	.	PUNCT
fsr-3226	54	1	financial	financial	ADJ
fsr-3226	54	2	knowledge	knowledge	NOUN
fsr-3226	54	3	is	be	AUX
fsr-3226	54	4	also	also	ADV
fsr-3226	54	5	associated	associate	VERB
fsr-3226	54	6	with	with	ADP
fsr-3226	54	7	increased	increase	VERB
fsr-3226	54	8	stock	stock	NOUN
fsr-3226	54	9	ownership	ownership	NOUN
fsr-3226	54	10	(	(	PUNCT
fsr-3226	54	11	calvert	calvert	PROPN
fsr-3226	54	12	et	et	NOUN
fsr-3226	54	13	al	al	PROPN
fsr-3226	54	14	.	.	PROPN
fsr-3226	54	15	,	,	PUNCT
fsr-3226	54	16	2007	2007	NUM
fsr-3226	54	17	)	)	PUNCT
fsr-3226	54	18	,	,	PUNCT
fsr-3226	54	19	the	the	DET
fsr-3226	54	20	use	use	NOUN
fsr-3226	54	21	of	of	ADP
fsr-3226	54	22	lower	low	ADJ
fsr-3226	54	23	cost	cost	NOUN
fsr-3226	54	24	mortgages	mortgage	NOUN
fsr-3226	54	25	(	(	PUNCT
fsr-3226	54	26	moore	moore	PROPN
fsr-3226	54	27	,	,	PUNCT
fsr-3226	54	28	2003	2003	NUM
fsr-3226	54	29	)	)	PUNCT
fsr-3226	54	30	,	,	PUNCT
fsr-3226	54	31	and	and	CCONJ
fsr-3226	54	32	retirement	retirement	NOUN
fsr-3226	54	33	planning	planning	NOUN
fsr-3226	54	34	behavior	behavior	NOUN
fsr-3226	54	35	(	(	PUNCT
fsr-3226	54	36	lusardi	lusardi	NOUN
fsr-3226	54	37	and	and	CCONJ
fsr-3226	54	38	mitchell	mitchell	PROPN
fsr-3226	54	39	,	,	PUNCT
fsr-3226	54	40	2009	2009	NUM
fsr-3226	54	41	)	)	PUNCT
fsr-3226	54	42	.	.	PUNCT
fsr-3226	55	1	additionally	additionally	ADV
fsr-3226	55	2	,	,	PUNCT
fsr-3226	55	3	moulton	moulton	PROPN
fsr-3226	55	4	et	et	PROPN
fsr-3226	55	5	al	al	PROPN
fsr-3226	55	6	.	.	PROPN
fsr-3226	55	7	,	,	PUNCT
fsr-3226	55	8	(	(	PUNCT
fsr-3226	55	9	2013	2013	NUM
fsr-3226	55	10	)	)	PUNCT
fsr-3226	55	11	finds	find	VERB
fsr-3226	55	12	that	that	SCONJ
fsr-3226	55	13	financially	financially	ADV
fsr-3226	55	14	knowledgeable	knowledgeable	ADJ
fsr-3226	55	15	individuals	individual	NOUN
fsr-3226	55	16	are	be	AUX
fsr-3226	55	17	less	less	ADV
fsr-3226	55	18	likely	likely	ADJ
fsr-3226	55	19	to	to	PART
fsr-3226	55	20	underestimate	underestimate	VERB
fsr-3226	55	21	their	their	PRON
fsr-3226	55	22	total	total	ADJ
fsr-3226	55	23	household	household	NOUN
fsr-3226	55	24	debt	debt	NOUN
fsr-3226	55	25	.	.	PUNCT
fsr-3226	56	1	333m.c	333m.c	NUM
fsr-3226	56	2	.	.	PUNCT
fsr-3226	57	1	seay	seay	PROPN
fsr-3226	57	2	et	et	PROPN
fsr-3226	57	3	al	al	PROPN
fsr-3226	57	4	.	.	PUNCT
fsr-3226	57	5	/	/	SYM
fsr-3226	57	6	financial	financial	ADJ
fsr-3226	57	7	services	service	NOUN
fsr-3226	57	8	review	review	VERB
fsr-3226	57	9	25	25	NUM
fsr-3226	57	10	(	(	PUNCT
fsr-3226	57	11	2016	2016	NUM
fsr-3226	57	12	)	)	PUNCT
fsr-3226	58	1	331–350	331–350	NUM
fsr-3226	58	2	a	a	DET
fsr-3226	58	3	more	more	ADV
fsr-3226	58	4	complicated	complicated	ADJ
fsr-3226	58	5	relationship	relationship	NOUN
fsr-3226	58	6	has	have	AUX
fsr-3226	58	7	been	be	AUX
fsr-3226	58	8	found	find	VERB
fsr-3226	58	9	between	between	ADP
fsr-3226	58	10	financial	financial	ADJ
fsr-3226	58	11	confidence	confidence	NOUN
fsr-3226	58	12	and	and	CCONJ
fsr-3226	58	13	financial	financial	ADJ
fsr-3226	58	14	behavior	behavior	NOUN
fsr-3226	58	15	.	.	PUNCT
fsr-3226	59	1	while	while	SCONJ
fsr-3226	59	2	financial	financial	ADJ
fsr-3226	59	3	confidence	confidence	NOUN
fsr-3226	59	4	is	be	AUX
fsr-3226	59	5	positively	positively	ADV
fsr-3226	59	6	related	relate	VERB
fsr-3226	59	7	to	to	ADP
fsr-3226	59	8	“	"	PUNCT
fsr-3226	59	9	best	good	ADJ
fsr-3226	59	10	practice	practice	NOUN
fsr-3226	59	11	”	"	PUNCT
fsr-3226	59	12	financial	financial	ADJ
fsr-3226	59	13	behaviors	behavior	NOUN
fsr-3226	59	14	(	(	PUNCT
fsr-3226	59	15	robb	robb	NOUN
fsr-3226	59	16	and	and	CCONJ
fsr-3226	59	17	woodyard	woodyard	PROPN
fsr-3226	59	18	,	,	PUNCT
fsr-3226	59	19	2011	2011	NUM
fsr-3226	59	20	)	)	PUNCT
fsr-3226	59	21	and	and	CCONJ
fsr-3226	59	22	responsible	responsible	ADJ
fsr-3226	59	23	credit	credit	NOUN
fsr-3226	59	24	card	card	NOUN
fsr-3226	59	25	behavior	behavior	NOUN
fsr-3226	59	26	(	(	PUNCT
fsr-3226	59	27	allgood	allgood	NOUN
fsr-3226	59	28	and	and	CCONJ
fsr-3226	59	29	walstad	walstad	NOUN
fsr-3226	59	30	,	,	PUNCT
fsr-3226	59	31	2013	2013	NUM
fsr-3226	59	32	)	)	PUNCT
fsr-3226	59	33	,	,	PUNCT
fsr-3226	59	34	it	it	PRON
fsr-3226	59	35	is	be	AUX
fsr-3226	59	36	also	also	ADV
fsr-3226	59	37	positively	positively	ADV
fsr-3226	59	38	associated	associate	VERB
fsr-3226	59	39	with	with	ADP
fsr-3226	59	40	high	high	ADJ
fsr-3226	59	41	cost	cost	NOUN
fsr-3226	59	42	borrowing	borrowing	NOUN
fsr-3226	59	43	behavior	behavior	NOUN
fsr-3226	59	44	(	(	PUNCT
fsr-3226	59	45	robb	robb	VERB
fsr-3226	59	46	et	et	PROPN
fsr-3226	59	47	al	al	PROPN
fsr-3226	59	48	.	.	PROPN
fsr-3226	59	49	,	,	PUNCT
fsr-3226	59	50	2015	2015	NUM
fsr-3226	59	51	)	)	PUNCT
fsr-3226	59	52	.	.	PUNCT
fsr-3226	60	1	this	this	DET
fsr-3226	60	2	disparity	disparity	NOUN
fsr-3226	60	3	may	may	AUX
fsr-3226	60	4	be	be	AUX
fsr-3226	60	5	somewhat	somewhat	ADV
fsr-3226	60	6	explained	explain	VERB
fsr-3226	60	7	by	by	ADP
fsr-3226	60	8	situations	situation	NOUN
fsr-3226	60	9	in	in	ADP
fsr-3226	60	10	which	which	PRON
fsr-3226	60	11	consumers	consumer	NOUN
fsr-3226	60	12	’	'	PUNCT
fsr-3226	60	13	financial	financial	ADJ
fsr-3226	60	14	confidence	confidence	NOUN
fsr-3226	60	15	is	be	AUX
fsr-3226	60	16	misaligned	misalign	VERB
fsr-3226	60	17	with	with	ADP
fsr-3226	60	18	their	their	PRON
fsr-3226	60	19	actual	actual	ADJ
fsr-3226	60	20	knowledge	knowledge	NOUN
fsr-3226	60	21	and	and	CCONJ
fsr-3226	60	22	ability	ability	NOUN
fsr-3226	60	23	.	.	PUNCT
fsr-3226	61	1	allgood	allgood	NOUN
fsr-3226	61	2	and	and	CCONJ
fsr-3226	61	3	walstad	walstad	PROPN
fsr-3226	61	4	(	(	PUNCT
fsr-3226	61	5	2013	2013	NUM
fsr-3226	61	6	)	)	PUNCT
fsr-3226	61	7	and	and	CCONJ
fsr-3226	61	8	robb	robb	VERB
fsr-3226	61	9	et	et	PROPN
fsr-3226	61	10	al	al	PROPN
fsr-3226	61	11	.	.	PROPN
fsr-3226	62	1	(	(	PUNCT
fsr-3226	62	2	2015	2015	NUM
fsr-3226	62	3	)	)	PUNCT
fsr-3226	62	4	both	both	PRON
fsr-3226	62	5	find	find	VERB
fsr-3226	62	6	that	that	SCONJ
fsr-3226	62	7	individuals	individual	NOUN
fsr-3226	62	8	that	that	PRON
fsr-3226	62	9	exhibit	exhibit	VERB
fsr-3226	62	10	high	high	ADJ
fsr-3226	62	11	financial	financial	ADJ
fsr-3226	62	12	confidence	confidence	NOUN
fsr-3226	62	13	and	and	CCONJ
fsr-3226	62	14	low	low	ADJ
fsr-3226	62	15	financial	financial	ADJ
fsr-3226	62	16	knowledge	knowledge	NOUN
fsr-3226	62	17	are	be	AUX
fsr-3226	62	18	more	more	ADV
fsr-3226	62	19	likely	likely	ADJ
fsr-3226	62	20	to	to	PART
fsr-3226	62	21	exhibit	exhibit	VERB
fsr-3226	62	22	poor	poor	ADJ
fsr-3226	62	23	financial	financial	ADJ
fsr-3226	62	24	decisions	decision	NOUN
fsr-3226	62	25	.	.	PUNCT
fsr-3226	63	1	similarly	similarly	ADV
fsr-3226	63	2	,	,	PUNCT
fsr-3226	63	3	moulton	moulton	PROPN
fsr-3226	63	4	et	et	PROPN
fsr-3226	63	5	al	al	PROPN
fsr-3226	63	6	.	.	PROPN
fsr-3226	64	1	(	(	PUNCT
fsr-3226	64	2	2013	2013	NUM
fsr-3226	64	3	)	)	PUNCT
fsr-3226	64	4	finds	find	VERB
fsr-3226	64	5	that	that	PRON
fsr-3226	64	6	financially	financially	ADV
fsr-3226	64	7	overconfident	overconfident	ADJ
fsr-3226	64	8	individuals	individual	NOUN
fsr-3226	64	9	are	be	AUX
fsr-3226	64	10	more	more	ADV
fsr-3226	64	11	likely	likely	ADJ
fsr-3226	64	12	to	to	PART
fsr-3226	64	13	engage	engage	VERB
fsr-3226	64	14	in	in	ADP
fsr-3226	64	15	suboptimal	suboptimal	ADJ
fsr-3226	64	16	mortgage	mortgage	NOUN
fsr-3226	64	17	borrowing	borrowing	NOUN
fsr-3226	64	18	behaviors	behavior	NOUN
fsr-3226	64	19	.	.	PUNCT
fsr-3226	65	1	financial	financial	ADJ
fsr-3226	65	2	capability	capability	NOUN
fsr-3226	65	3	has	have	AUX
fsr-3226	65	4	most	most	ADV
fsr-3226	65	5	often	often	ADV
fsr-3226	65	6	been	be	AUX
fsr-3226	65	7	proxied	proxie	VERB
fsr-3226	65	8	through	through	ADP
fsr-3226	65	9	cognitive	cognitive	ADJ
fsr-3226	65	10	ability	ability	NOUN
fsr-3226	65	11	or	or	CCONJ
fsr-3226	65	12	financial	financial	ADJ
fsr-3226	65	13	sophistication	sophistication	NOUN
fsr-3226	65	14	,	,	PUNCT
fsr-3226	65	15	a	a	DET
fsr-3226	65	16	measure	measure	NOUN
fsr-3226	65	17	that	that	PRON
fsr-3226	65	18	blends	blend	VERB
fsr-3226	65	19	financial	financial	ADJ
fsr-3226	65	20	capability	capability	NOUN
fsr-3226	65	21	,	,	PUNCT
fsr-3226	65	22	financial	financial	ADJ
fsr-3226	65	23	behavior	behavior	NOUN
fsr-3226	65	24	,	,	PUNCT
fsr-3226	65	25	and	and	CCONJ
fsr-3226	65	26	financial	financial	ADJ
fsr-3226	65	27	knowledge	knowledge	NOUN
fsr-3226	65	28	(	(	PUNCT
fsr-3226	65	29	huston	huston	PROPN
fsr-3226	65	30	,	,	PUNCT
fsr-3226	65	31	finke	finke	PROPN
fsr-3226	65	32	,	,	PUNCT
fsr-3226	65	33	and	and	CCONJ
fsr-3226	65	34	smith	smith	PROPN
fsr-3226	65	35	,	,	PUNCT
fsr-3226	65	36	2012	2012	NUM
fsr-3226	65	37	)	)	PUNCT
fsr-3226	65	38	.	.	PUNCT
fsr-3226	66	1	individuals	individual	NOUN
fsr-3226	66	2	with	with	ADP
fsr-3226	66	3	higher	high	ADJ
fsr-3226	66	4	levels	level	NOUN
fsr-3226	66	5	of	of	ADP
fsr-3226	66	6	cognitive	cognitive	ADJ
fsr-3226	66	7	ability	ability	NOUN
fsr-3226	66	8	are	be	AUX
fsr-3226	66	9	more	more	ADV
fsr-3226	66	10	likely	likely	ADJ
fsr-3226	66	11	to	to	PART
fsr-3226	66	12	participate	participate	VERB
fsr-3226	66	13	in	in	ADP
fsr-3226	66	14	the	the	DET
fsr-3226	66	15	stock	stock	NOUN
fsr-3226	66	16	market	market	NOUN
fsr-3226	66	17	(	(	PUNCT
fsr-3226	66	18	christelis	christelis	ADJ
fsr-3226	66	19	,	,	PUNCT
fsr-3226	66	20	tullio	tullio	VERB
fsr-3226	66	21	,	,	PUNCT
fsr-3226	66	22	and	and	CCONJ
fsr-3226	66	23	padula	padula	NOUN
fsr-3226	66	24	,	,	PUNCT
fsr-3226	66	25	2010	2010	NUM
fsr-3226	66	26	)	)	PUNCT
fsr-3226	66	27	,	,	PUNCT
fsr-3226	66	28	less	less	ADV
fsr-3226	66	29	likely	likely	ADJ
fsr-3226	66	30	to	to	PART
fsr-3226	66	31	overreact	overreact	VERB
fsr-3226	66	32	to	to	ADP
fsr-3226	66	33	market	market	NOUN
fsr-3226	66	34	changes	change	NOUN
fsr-3226	66	35	(	(	PUNCT
fsr-3226	66	36	browning	brown	VERB
fsr-3226	66	37	and	and	CCONJ
fsr-3226	66	38	finke	finke	PROPN
fsr-3226	66	39	,	,	PUNCT
fsr-3226	66	40	2015	2015	NUM
fsr-3226	66	41	)	)	PUNCT
fsr-3226	66	42	,	,	PUNCT
fsr-3226	66	43	exhibit	exhibit	VERB
fsr-3226	66	44	fewer	few	ADJ
fsr-3226	66	45	behavioral	behavioral	ADJ
fsr-3226	66	46	biases	bias	NOUN
fsr-3226	66	47	(	(	PUNCT
fsr-3226	66	48	grinblatt	grinblatt	NOUN
fsr-3226	66	49	,	,	PUNCT
fsr-3226	66	50	keloharju	keloharju	NOUN
fsr-3226	66	51	,	,	PUNCT
fsr-3226	66	52	and	and	CCONJ
fsr-3226	66	53	linnainmaa	linnainmaa	NOUN
fsr-3226	66	54	,	,	PUNCT
fsr-3226	66	55	2012	2012	NUM
fsr-3226	66	56	)	)	PUNCT
fsr-3226	66	57	,	,	PUNCT
fsr-3226	66	58	and	and	CCONJ
fsr-3226	66	59	demonstrate	demonstrate	VERB
fsr-3226	66	60	more	more	ADJ
fsr-3226	66	61	patience	patience	NOUN
fsr-3226	66	62	when	when	SCONJ
fsr-3226	66	63	making	make	VERB
fsr-3226	66	64	financial	financial	ADJ
fsr-3226	66	65	decisions	decision	NOUN
fsr-3226	66	66	(	(	PUNCT
fsr-3226	66	67	benjamin	benjamin	PROPN
fsr-3226	66	68	,	,	PUNCT
fsr-3226	66	69	sebastian	sebastian	PROPN
fsr-3226	66	70	,	,	PUNCT
fsr-3226	66	71	and	and	CCONJ
fsr-3226	66	72	shapiro	shapiro	NOUN
fsr-3226	66	73	,	,	PUNCT
fsr-3226	66	74	2013	2013	NUM
fsr-3226	66	75	)	)	PUNCT
fsr-3226	66	76	.	.	PUNCT
fsr-3226	67	1	similarly	similarly	ADV
fsr-3226	67	2	,	,	PUNCT
fsr-3226	67	3	financially	financially	ADV
fsr-3226	67	4	sophisticated	sophisticated	ADJ
fsr-3226	67	5	households	household	NOUN
fsr-3226	67	6	are	be	AUX
fsr-3226	67	7	more	more	ADV
fsr-3226	67	8	likely	likely	ADJ
fsr-3226	67	9	to	to	PART
fsr-3226	67	10	understand	understand	VERB
fsr-3226	67	11	and	and	CCONJ
fsr-3226	67	12	take	take	VERB
fsr-3226	67	13	advantage	advantage	NOUN
fsr-3226	67	14	of	of	ADP
fsr-3226	67	15	roth	roth	PROPN
fsr-3226	67	16	iras	ira	NOUN
fsr-3226	67	17	(	(	PUNCT
fsr-3226	67	18	smith	smith	PROPN
fsr-3226	67	19	,	,	PUNCT
fsr-3226	67	20	finke	finke	PROPN
fsr-3226	67	21	,	,	PUNCT
fsr-3226	67	22	and	and	CCONJ
fsr-3226	67	23	huston	huston	PROPN
fsr-3226	67	24	,	,	PUNCT
fsr-3226	67	25	2012	2012	NUM
fsr-3226	67	26	)	)	PUNCT
fsr-3226	67	27	,	,	PUNCT
fsr-3226	67	28	take	take	VERB
fsr-3226	67	29	advantage	advantage	NOUN
fsr-3226	67	30	of	of	ADP
fsr-3226	67	31	mortgage	mortgage	NOUN
fsr-3226	67	32	leverage	leverage	NOUN
fsr-3226	67	33	strategies	strategy	NOUN
fsr-3226	67	34	(	(	PUNCT
fsr-3226	67	35	kim	kim	PROPN
fsr-3226	67	36	,	,	PUNCT
fsr-3226	67	37	seay	seay	ADJ
fsr-3226	67	38	,	,	PUNCT
fsr-3226	67	39	and	and	CCONJ
fsr-3226	67	40	smith	smith	PROPN
fsr-3226	67	41	,	,	PUNCT
fsr-3226	67	42	2016	2016	NUM
fsr-3226	67	43	)	)	PUNCT
fsr-3226	67	44	,	,	PUNCT
fsr-3226	67	45	and	and	CCONJ
fsr-3226	67	46	make	make	VERB
fsr-3226	67	47	more	more	ADV
fsr-3226	67	48	appropriate	appropriate	ADJ
fsr-3226	67	49	mortgage	mortgage	NOUN
fsr-3226	67	50	decisions	decision	NOUN
fsr-3226	67	51	(	(	PUNCT
fsr-3226	67	52	smith	smith	PROPN
fsr-3226	67	53	,	,	PUNCT
fsr-3226	67	54	finke	finke	PROPN
fsr-3226	67	55	,	,	PUNCT
fsr-3226	67	56	and	and	CCONJ
fsr-3226	67	57	huston	huston	PROPN
fsr-3226	67	58	,	,	PUNCT
fsr-3226	67	59	2011	2011	NUM
fsr-3226	67	60	)	)	PUNCT
fsr-3226	67	61	.	.	PUNCT
fsr-3226	68	1	given	give	VERB
fsr-3226	68	2	data	datum	NOUN
fsr-3226	68	3	availability	availability	NOUN
fsr-3226	68	4	in	in	ADP
fsr-3226	68	5	the	the	DET
fsr-3226	68	6	nlsy	nlsy	NOUN
fsr-3226	68	7	,	,	PUNCT
fsr-3226	68	8	this	this	DET
fsr-3226	68	9	research	research	NOUN
fsr-3226	68	10	uses	use	VERB
fsr-3226	68	11	a	a	DET
fsr-3226	68	12	measure	measure	NOUN
fsr-3226	68	13	of	of	ADP
fsr-3226	68	14	cognitive	cognitive	ADJ
fsr-3226	68	15	ability	ability	NOUN
fsr-3226	68	16	as	as	ADP
fsr-3226	68	17	a	a	DET
fsr-3226	68	18	proxy	proxy	NOUN
fsr-3226	68	19	for	for	ADP
fsr-3226	68	20	financial	financial	ADJ
fsr-3226	68	21	capability	capability	NOUN
fsr-3226	68	22	.	.	PUNCT
fsr-3226	69	1	2.3	2.3	NUM
fsr-3226	69	2	.	.	PUNCT
fsr-3226	69	3	who	who	PRON
fsr-3226	69	4	seeks	seek	VERB
fsr-3226	69	5	financial	financial	ADJ
fsr-3226	69	6	planning	planning	NOUN
fsr-3226	69	7	advice	advice	NOUN
fsr-3226	69	8	?	?	PUNCT
fsr-3226	70	1	according	accord	VERB
fsr-3226	70	2	to	to	ADP
fsr-3226	70	3	a	a	DET
fsr-3226	70	4	recent	recent	ADJ
fsr-3226	70	5	project	project	NOUN
fsr-3226	70	6	sponsored	sponsor	VERB
fsr-3226	70	7	by	by	ADP
fsr-3226	70	8	the	the	DET
fsr-3226	70	9	certified	certify	VERB
fsr-3226	70	10	financial	financial	ADJ
fsr-3226	70	11	planner	planner	NOUN
fsr-3226	70	12	board	board	NOUN
fsr-3226	70	13	of	of	ADP
fsr-3226	70	14	standards	standard	NOUN
fsr-3226	70	15	and	and	CCONJ
fsr-3226	70	16	the	the	DET
fsr-3226	70	17	consumer	consumer	NOUN
fsr-3226	70	18	federation	federation	PROPN
fsr-3226	70	19	of	of	ADP
fsr-3226	70	20	america	america	PROPN
fsr-3226	70	21	,	,	PUNCT
fsr-3226	70	22	close	close	ADV
fsr-3226	70	23	to	to	ADP
fsr-3226	70	24	nine	nine	NUM
fsr-3226	70	25	in	in	ADP
fsr-3226	70	26	10	10	NUM
fsr-3226	70	27	american	american	ADJ
fsr-3226	70	28	households	household	NOUN
fsr-3226	70	29	engage	engage	VERB
fsr-3226	70	30	in	in	ADP
fsr-3226	70	31	some	some	DET
fsr-3226	70	32	type	type	NOUN
fsr-3226	70	33	of	of	ADP
fsr-3226	70	34	financial	financial	ADJ
fsr-3226	70	35	planning	planning	NOUN
fsr-3226	70	36	,	,	PUNCT
fsr-3226	70	37	ranging	range	VERB
fsr-3226	70	38	from	from	ADP
fsr-3226	70	39	very	very	ADV
fsr-3226	70	40	informal	informal	ADJ
fsr-3226	70	41	(	(	PUNCT
fsr-3226	70	42	i.e.	i.e.	X
fsr-3226	70	43	,	,	PUNCT
fsr-3226	70	44	mental	mental	ADJ
fsr-3226	70	45	budgeting	budgeting	NOUN
fsr-3226	70	46	)	)	PUNCT
fsr-3226	70	47	to	to	ADP
fsr-3226	70	48	very	very	ADV
fsr-3226	70	49	formal	formal	ADJ
fsr-3226	70	50	(	(	PUNCT
fsr-3226	70	51	i.e.	i.e.	X
fsr-3226	70	52	,	,	PUNCT
fsr-3226	70	53	building	build	VERB
fsr-3226	70	54	a	a	DET
fsr-3226	70	55	comprehensive	comprehensive	ADJ
fsr-3226	70	56	financial	financial	ADJ
fsr-3226	70	57	plan	plan	NOUN
fsr-3226	70	58	with	with	ADP
fsr-3226	70	59	a	a	DET
fsr-3226	70	60	professional	professional	NOUN
fsr-3226	70	61	)	)	PUNCT
fsr-3226	70	62	with	with	ADP
fsr-3226	70	63	most	most	ADJ
fsr-3226	70	64	households	household	NOUN
fsr-3226	70	65	falling	fall	VERB
fsr-3226	70	66	somewhere	somewhere	ADV
fsr-3226	70	67	in	in	ADP
fsr-3226	70	68	between	between	ADP
fsr-3226	70	69	(	(	PUNCT
fsr-3226	70	70	princeton	princeton	PROPN
fsr-3226	70	71	survey	survey	PROPN
fsr-3226	70	72	research	research	PROPN
fsr-3226	70	73	associates	associates	PROPN
fsr-3226	70	74	international	international	ADJ
fsr-3226	70	75	,	,	PUNCT
fsr-3226	70	76	2013	2013	NUM
fsr-3226	70	77	)	)	PUNCT
fsr-3226	70	78	.	.	PUNCT
fsr-3226	71	1	the	the	DET
fsr-3226	71	2	use	use	NOUN
fsr-3226	71	3	of	of	ADP
fsr-3226	71	4	professional	professional	ADJ
fsr-3226	71	5	financial	financial	ADJ
fsr-3226	71	6	planners	planner	NOUN
fsr-3226	71	7	in	in	ADP
fsr-3226	71	8	the	the	DET
fsr-3226	71	9	united	united	PROPN
fsr-3226	71	10	states	states	PROPN
fsr-3226	71	11	,	,	PUNCT
fsr-3226	71	12	although	although	SCONJ
fsr-3226	71	13	not	not	PART
fsr-3226	71	14	widespread	widespread	ADJ
fsr-3226	71	15	,	,	PUNCT
fsr-3226	71	16	does	do	AUX
fsr-3226	71	17	seem	seem	VERB
fsr-3226	71	18	to	to	PART
fsr-3226	71	19	be	be	AUX
fsr-3226	71	20	on	on	ADP
fsr-3226	71	21	the	the	DET
fsr-3226	71	22	rise	rise	NOUN
fsr-3226	71	23	.	.	PUNCT
fsr-3226	72	1	an	an	DET
fsr-3226	72	2	analysis	analysis	NOUN
fsr-3226	72	3	of	of	ADP
fsr-3226	72	4	the	the	DET
fsr-3226	72	5	scf	scf	PROPN
fsr-3226	72	6	shows	show	VERB
fsr-3226	72	7	that	that	SCONJ
fsr-3226	72	8	that	that	SCONJ
fsr-3226	72	9	25	25	NUM
fsr-3226	72	10	%	%	NOUN
fsr-3226	72	11	of	of	ADP
fsr-3226	72	12	households	household	NOUN
fsr-3226	72	13	reported	report	VERB
fsr-3226	72	14	financial	financial	ADJ
fsr-3226	72	15	planner	planner	NOUN
fsr-3226	72	16	use	use	NOUN
fsr-3226	72	17	in	in	ADP
fsr-3226	72	18	2007	2007	NUM
fsr-3226	72	19	,	,	PUNCT
fsr-3226	72	20	up	up	ADV
fsr-3226	72	21	from	from	ADP
fsr-3226	72	22	21	21	NUM
fsr-3226	72	23	%	%	NOUN
fsr-3226	72	24	in	in	ADP
fsr-3226	72	25	1998	1998	NUM
fsr-3226	72	26	(	(	PUNCT
fsr-3226	72	27	hanna	hanna	NOUN
fsr-3226	72	28	,	,	PUNCT
fsr-3226	72	29	2011	2011	NUM
fsr-3226	72	30	)	)	PUNCT
fsr-3226	72	31	.	.	PUNCT
fsr-3226	73	1	many	many	ADJ
fsr-3226	73	2	researchers	researcher	NOUN
fsr-3226	73	3	have	have	AUX
fsr-3226	73	4	explored	explore	VERB
fsr-3226	73	5	factors	factor	NOUN
fsr-3226	73	6	that	that	PRON
fsr-3226	73	7	lead	lead	VERB
fsr-3226	73	8	a	a	DET
fsr-3226	73	9	household	household	NOUN
fsr-3226	73	10	to	to	PART
fsr-3226	73	11	seek	seek	VERB
fsr-3226	73	12	professional	professional	ADJ
fsr-3226	73	13	financial	financial	ADJ
fsr-3226	73	14	help	help	NOUN
fsr-3226	73	15	of	of	ADP
fsr-3226	73	16	some	some	DET
fsr-3226	73	17	kind	kind	NOUN
fsr-3226	73	18	.	.	PUNCT
fsr-3226	74	1	in	in	ADP
fsr-3226	74	2	terms	term	NOUN
fsr-3226	74	3	of	of	ADP
fsr-3226	74	4	demographics	demographic	NOUN
fsr-3226	74	5	,	,	PUNCT
fsr-3226	74	6	wealth	wealth	NOUN
fsr-3226	74	7	and	and	CCONJ
fsr-3226	74	8	income	income	NOUN
fsr-3226	74	9	are	be	AUX
fsr-3226	74	10	the	the	DET
fsr-3226	74	11	leading	lead	VERB
fsr-3226	74	12	indicators	indicator	NOUN
fsr-3226	74	13	followed	follow	VERB
fsr-3226	74	14	closely	closely	ADV
fsr-3226	74	15	by	by	ADP
fsr-3226	74	16	educational	educational	ADJ
fsr-3226	74	17	attainment	attainment	NOUN
fsr-3226	74	18	and	and	CCONJ
fsr-3226	74	19	age	age	NOUN
fsr-3226	74	20	(	(	PUNCT
fsr-3226	74	21	hanna	hanna	NOUN
fsr-3226	74	22	,	,	PUNCT
fsr-3226	74	23	2011	2011	NUM
fsr-3226	74	24	)	)	PUNCT
fsr-3226	74	25	.	.	PUNCT
fsr-3226	75	1	people	people	NOUN
fsr-3226	75	2	with	with	ADP
fsr-3226	75	3	more	more	ADJ
fsr-3226	75	4	financial	financial	ADJ
fsr-3226	75	5	knowledge	knowledge	NOUN
fsr-3226	75	6	(	(	PUNCT
fsr-3226	75	7	collins	collin	NOUN
fsr-3226	75	8	,	,	PUNCT
fsr-3226	75	9	2012	2012	NUM
fsr-3226	75	10	;	;	PUNCT
fsr-3226	75	11	robb	robb	VERB
fsr-3226	75	12	et	et	PROPN
fsr-3226	75	13	al	al	PROPN
fsr-3226	75	14	.	.	PROPN
fsr-3226	75	15	,	,	PUNCT
fsr-3226	75	16	2012	2012	NUM
fsr-3226	75	17	)	)	PUNCT
fsr-3226	75	18	,	,	PUNCT
fsr-3226	75	19	greater	great	ADJ
fsr-3226	75	20	risk	risk	NOUN
fsr-3226	75	21	tolerance	tolerance	NOUN
fsr-3226	75	22	(	(	PUNCT
fsr-3226	75	23	hanna	hanna	NOUN
fsr-3226	75	24	,	,	PUNCT
fsr-3226	75	25	2011	2011	NUM
fsr-3226	75	26	;	;	PUNCT
fsr-3226	75	27	robb	robb	VERB
fsr-3226	75	28	et	et	PROPN
fsr-3226	75	29	al	al	PROPN
fsr-3226	75	30	.	.	PROPN
fsr-3226	75	31	,	,	PUNCT
fsr-3226	75	32	2012	2012	NUM
fsr-3226	75	33	)	)	PUNCT
fsr-3226	75	34	,	,	PUNCT
fsr-3226	75	35	and	and	CCONJ
fsr-3226	75	36	a	a	DET
fsr-3226	75	37	sense	sense	NOUN
fsr-3226	75	38	of	of	ADP
fsr-3226	75	39	self	self	NOUN
fsr-3226	75	40	-	-	PUNCT
fsr-3226	75	41	efficacy	efficacy	NOUN
fsr-3226	75	42	(	(	PUNCT
fsr-3226	75	43	lim	lim	PROPN
fsr-3226	75	44	,	,	PUNCT
fsr-3226	75	45	heckman	heckman	PROPN
fsr-3226	75	46	,	,	PUNCT
fsr-3226	75	47	letkiewicz	letkiewicz	NOUN
fsr-3226	75	48	,	,	PUNCT
fsr-3226	75	49	and	and	CCONJ
fsr-3226	75	50	montalto	montalto	PROPN
fsr-3226	75	51	,	,	PUNCT
fsr-3226	75	52	2014	2014	NUM
fsr-3226	75	53	)	)	PUNCT
fsr-3226	75	54	are	be	AUX
fsr-3226	75	55	more	more	ADV
fsr-3226	75	56	likely	likely	ADJ
fsr-3226	75	57	to	to	PART
fsr-3226	75	58	utilize	utilize	VERB
fsr-3226	75	59	financial	financial	ADJ
fsr-3226	75	60	help	help	NOUN
fsr-3226	75	61	.	.	PUNCT
fsr-3226	76	1	cummings	cummings	PROPN
fsr-3226	76	2	and	and	CCONJ
fsr-3226	76	3	james	james	PROPN
fsr-3226	76	4	(	(	PUNCT
fsr-3226	76	5	2014	2014	NUM
fsr-3226	76	6	)	)	PUNCT
fsr-3226	76	7	find	find	VERB
fsr-3226	76	8	that	that	SCONJ
fsr-3226	76	9	people	people	NOUN
fsr-3226	76	10	seeking	seek	VERB
fsr-3226	76	11	help	help	NOUN
fsr-3226	76	12	for	for	ADP
fsr-3226	76	13	emotional	emotional	ADJ
fsr-3226	76	14	problems	problem	NOUN
fsr-3226	76	15	will	will	AUX
fsr-3226	76	16	also	also	ADV
fsr-3226	76	17	seek	seek	VERB
fsr-3226	76	18	help	help	NOUN
fsr-3226	76	19	for	for	ADP
fsr-3226	76	20	financial	financial	ADJ
fsr-3226	76	21	matters	matter	NOUN
fsr-3226	76	22	and	and	CCONJ
fsr-3226	76	23	that	that	SCONJ
fsr-3226	76	24	experiencing	experience	VERB
fsr-3226	76	25	the	the	DET
fsr-3226	76	26	death	death	NOUN
fsr-3226	76	27	of	of	ADP
fsr-3226	76	28	a	a	DET
fsr-3226	76	29	spouse	spouse	NOUN
fsr-3226	76	30	increases	increase	VERB
fsr-3226	76	31	the	the	DET
fsr-3226	76	32	likelihood	likelihood	NOUN
fsr-3226	76	33	of	of	ADP
fsr-3226	76	34	seeking	seek	VERB
fsr-3226	76	35	help	help	NOUN
fsr-3226	76	36	.	.	PUNCT
fsr-3226	77	1	finke	finke	PROPN
fsr-3226	77	2	,	,	PUNCT
fsr-3226	77	3	huston	huston	PROPN
fsr-3226	77	4	,	,	PUNCT
fsr-3226	77	5	and	and	CCONJ
fsr-3226	77	6	winchester	winchester	PROPN
fsr-3226	77	7	(	(	PUNCT
fsr-3226	77	8	2011	2011	NUM
fsr-3226	77	9	)	)	PUNCT
fsr-3226	77	10	find	find	VERB
fsr-3226	77	11	those	those	PRON
fsr-3226	77	12	who	who	PRON
fsr-3226	77	13	pay	pay	VERB
fsr-3226	77	14	for	for	ADP
fsr-3226	77	15	financial	financial	ADJ
fsr-3226	77	16	advice	advice	NOUN
fsr-3226	77	17	are	be	AUX
fsr-3226	77	18	more	more	ADV
fsr-3226	77	19	likely	likely	ADJ
fsr-3226	77	20	to	to	PART
fsr-3226	77	21	be	be	AUX
fsr-3226	77	22	older	old	ADJ
fsr-3226	77	23	,	,	PUNCT
fsr-3226	77	24	wealthier	wealthy	ADJ
fsr-3226	77	25	,	,	PUNCT
fsr-3226	77	26	college	college	NOUN
fsr-3226	77	27	educated	educate	VERB
fsr-3226	77	28	,	,	PUNCT
fsr-3226	77	29	and	and	CCONJ
fsr-3226	77	30	female	female	NOUN
fsr-3226	77	31	.	.	PUNCT
fsr-3226	78	1	334	334	NUM
fsr-3226	78	2	m.c	m.c	PROPN
fsr-3226	78	3	.	.	PROPN
fsr-3226	78	4	seay	seay	PROPN
fsr-3226	78	5	et	et	PROPN
fsr-3226	78	6	al	al	PROPN
fsr-3226	78	7	.	.	PUNCT
fsr-3226	78	8	/	/	SYM
fsr-3226	78	9	financial	financial	ADJ
fsr-3226	78	10	services	service	NOUN
fsr-3226	78	11	review	review	VERB
fsr-3226	78	12	25	25	NUM
fsr-3226	78	13	(	(	PUNCT
fsr-3226	78	14	2016	2016	NUM
fsr-3226	78	15	)	)	PUNCT
fsr-3226	79	1	331–350	331–350	NUM
fsr-3226	79	2	recent	recent	ADJ
fsr-3226	79	3	literature	literature	NOUN
fsr-3226	79	4	has	have	AUX
fsr-3226	79	5	also	also	ADV
fsr-3226	79	6	identified	identify	VERB
fsr-3226	79	7	trust	trust	NOUN
fsr-3226	79	8	as	as	ADP
fsr-3226	79	9	being	be	AUX
fsr-3226	79	10	an	an	DET
fsr-3226	79	11	important	important	ADJ
fsr-3226	79	12	predictor	predictor	NOUN
fsr-3226	79	13	of	of	ADP
fsr-3226	79	14	financial	financial	ADJ
fsr-3226	79	15	help	help	NOUN
fsr-3226	79	16	-	-	PUNCT
fsr-3226	79	17	seeking	seeking	NOUN
fsr-3226	79	18	.	.	PUNCT
fsr-3226	80	1	gennaioli	gennaioli	ADV
fsr-3226	80	2	,	,	PUNCT
fsr-3226	80	3	shleifer	shleifer	VERB
fsr-3226	80	4	,	,	PUNCT
fsr-3226	80	5	and	and	CCONJ
fsr-3226	80	6	vishny	vishny	PROPN
fsr-3226	80	7	(	(	PUNCT
fsr-3226	80	8	2015	2015	NUM
fsr-3226	80	9	)	)	PUNCT
fsr-3226	80	10	develop	develop	VERB
fsr-3226	80	11	a	a	DET
fsr-3226	80	12	theoretical	theoretical	ADJ
fsr-3226	80	13	model	model	NOUN
fsr-3226	80	14	in	in	ADP
fsr-3226	80	15	which	which	PRON
fsr-3226	80	16	consumer	consumer	NOUN
fsr-3226	80	17	decisions	decision	NOUN
fsr-3226	80	18	to	to	PART
fsr-3226	80	19	hire	hire	VERB
fsr-3226	80	20	professionals	professional	NOUN
fsr-3226	80	21	to	to	PART
fsr-3226	80	22	manage	manage	VERB
fsr-3226	80	23	(	(	PUNCT
fsr-3226	80	24	i.e.	i.e.	X
fsr-3226	80	25	,	,	PUNCT
fsr-3226	80	26	invest	invest	VERB
fsr-3226	80	27	)	)	PUNCT
fsr-3226	80	28	their	their	PRON
fsr-3226	80	29	money	money	NOUN
fsr-3226	80	30	is	be	AUX
fsr-3226	80	31	mediated	mediate	VERB
fsr-3226	80	32	by	by	ADP
fsr-3226	80	33	trust	trust	NOUN
fsr-3226	80	34	.	.	PUNCT
fsr-3226	81	1	recent	recent	ADJ
fsr-3226	81	2	empirical	empirical	ADJ
fsr-3226	81	3	results	result	NOUN
fsr-3226	81	4	reinforce	reinforce	VERB
fsr-3226	81	5	the	the	DET
fsr-3226	81	6	theoretical	theoretical	ADJ
fsr-3226	81	7	conclusion	conclusion	NOUN
fsr-3226	81	8	that	that	SCONJ
fsr-3226	81	9	trust	trust	NOUN
fsr-3226	81	10	plays	play	VERB
fsr-3226	81	11	an	an	DET
fsr-3226	81	12	important	important	ADJ
fsr-3226	81	13	role	role	NOUN
fsr-3226	81	14	in	in	ADP
fsr-3226	81	15	financial	financial	ADJ
fsr-3226	81	16	help	help	NOUN
fsr-3226	81	17	-	-	PUNCT
fsr-3226	81	18	seeking	seeking	NOUN
fsr-3226	81	19	.	.	PUNCT
fsr-3226	82	1	lachance	lachance	PROPN
fsr-3226	82	2	and	and	CCONJ
fsr-3226	82	3	tang	tang	PROPN
fsr-3226	82	4	(	(	PUNCT
fsr-3226	82	5	2012	2012	NUM
fsr-3226	82	6	)	)	PUNCT
fsr-3226	82	7	find	find	VERB
fsr-3226	82	8	that	that	SCONJ
fsr-3226	82	9	,	,	PUNCT
fsr-3226	82	10	“	"	PUNCT
fsr-3226	82	11	controlling	control	VERB
fsr-3226	82	12	for	for	ADP
fsr-3226	82	13	financial	financial	ADJ
fsr-3226	82	14	exposure,2	exposure,2	PROPN
fsr-3226	82	15	trust	trust	PROPN
fsr-3226	82	16	and	and	CCONJ
fsr-3226	82	17	cost	cost	NOUN
fsr-3226	82	18	are	be	AUX
fsr-3226	82	19	the	the	DET
fsr-3226	82	20	two	two	NUM
fsr-3226	82	21	most	most	ADV
fsr-3226	82	22	important	important	ADJ
fsr-3226	82	23	determinants	determinant	NOUN
fsr-3226	82	24	of	of	ADP
fsr-3226	82	25	financial	financial	ADJ
fsr-3226	82	26	advice	advice	NOUN
fsr-3226	82	27	-	-	PUNCT
fsr-3226	82	28	seeking	seek	VERB
fsr-3226	82	29	behavior	behavior	NOUN
fsr-3226	82	30	”	"	PUNCT
fsr-3226	82	31	(	(	PUNCT
fsr-3226	82	32	p.	p.	NOUN
fsr-3226	82	33	220	220	NUM
fsr-3226	82	34	)	)	PUNCT
fsr-3226	82	35	.	.	PUNCT
fsr-3226	83	1	they	they	PRON
fsr-3226	83	2	also	also	ADV
fsr-3226	83	3	find	find	VERB
fsr-3226	83	4	that	that	SCONJ
fsr-3226	83	5	trust	trust	NOUN
fsr-3226	83	6	is	be	AUX
fsr-3226	83	7	relatively	relatively	ADV
fsr-3226	83	8	more	more	ADV
fsr-3226	83	9	important	important	ADJ
fsr-3226	83	10	in	in	ADP
fsr-3226	83	11	determining	determine	VERB
fsr-3226	83	12	saving	saving	NOUN
fsr-3226	83	13	and	and	CCONJ
fsr-3226	83	14	investment	investment	NOUN
fsr-3226	83	15	advice	advice	NOUN
fsr-3226	83	16	seeking	seeking	NOUN
fsr-3226	83	17	compared	compare	VERB
fsr-3226	83	18	to	to	ADP
fsr-3226	83	19	other	other	ADJ
fsr-3226	83	20	types	type	NOUN
fsr-3226	83	21	of	of	ADP
fsr-3226	83	22	advice	advice	NOUN
fsr-3226	83	23	,	,	PUNCT
fsr-3226	83	24	for	for	ADP
fsr-3226	83	25	example	example	NOUN
fsr-3226	83	26	,	,	PUNCT
fsr-3226	83	27	debt	debt	NOUN
fsr-3226	83	28	counseling	counseling	NOUN
fsr-3226	83	29	.	.	PUNCT
fsr-3226	84	1	martin	martin	PROPN
fsr-3226	84	2	,	,	PUNCT
fsr-3226	84	3	finke	finke	PROPN
fsr-3226	84	4	,	,	PUNCT
fsr-3226	84	5	and	and	CCONJ
fsr-3226	84	6	gibson	gibson	PROPN
fsr-3226	84	7	(	(	PUNCT
fsr-3226	84	8	2014	2014	NUM
fsr-3226	84	9	)	)	PUNCT
fsr-3226	84	10	explore	explore	VERB
fsr-3226	84	11	the	the	DET
fsr-3226	84	12	relationship	relationship	NOUN
fsr-3226	84	13	between	between	ADP
fsr-3226	84	14	race	race	NOUN
fsr-3226	84	15	,	,	PUNCT
fsr-3226	84	16	trust	trust	NOUN
fsr-3226	84	17	,	,	PUNCT
fsr-3226	84	18	and	and	CCONJ
fsr-3226	84	19	seeking	seek	VERB
fsr-3226	84	20	retirement	retirement	NOUN
fsr-3226	84	21	advice	advice	NOUN
fsr-3226	84	22	.	.	PUNCT
fsr-3226	85	1	they	they	PRON
fsr-3226	85	2	find	find	VERB
fsr-3226	85	3	lower	low	ADJ
fsr-3226	85	4	levels	level	NOUN
fsr-3226	85	5	of	of	ADP
fsr-3226	85	6	trust	trust	NOUN
fsr-3226	85	7	among	among	ADP
fsr-3226	85	8	black	black	ADJ
fsr-3226	85	9	and	and	CCONJ
fsr-3226	85	10	hispanic	hispanic	ADJ
fsr-3226	85	11	households	household	NOUN
fsr-3226	85	12	and	and	CCONJ
fsr-3226	85	13	that	that	DET
fsr-3226	85	14	trust	trust	NOUN
fsr-3226	85	15	is	be	AUX
fsr-3226	85	16	positively	positively	ADV
fsr-3226	85	17	associated	associate	VERB
fsr-3226	85	18	with	with	ADP
fsr-3226	85	19	seeking	seek	VERB
fsr-3226	85	20	retirement	retirement	NOUN
fsr-3226	85	21	advice	advice	NOUN
fsr-3226	85	22	from	from	ADP
fsr-3226	85	23	financial	financial	ADJ
fsr-3226	85	24	planner	planner	NOUN
fsr-3226	85	25	.	.	PUNCT
fsr-3226	86	1	some	some	DET
fsr-3226	86	2	barriers	barrier	NOUN
fsr-3226	86	3	to	to	ADP
fsr-3226	86	4	seeking	seek	VERB
fsr-3226	86	5	professional	professional	ADJ
fsr-3226	86	6	financial	financial	ADJ
fsr-3226	86	7	help	help	NOUN
fsr-3226	86	8	include	include	VERB
fsr-3226	86	9	low	low	ADJ
fsr-3226	86	10	financial	financial	ADJ
fsr-3226	86	11	risk	risk	NOUN
fsr-3226	86	12	tolerance	tolerance	NOUN
fsr-3226	86	13	(	(	PUNCT
fsr-3226	86	14	grable	grable	NOUN
fsr-3226	86	15	and	and	CCONJ
fsr-3226	86	16	joo	joo	NOUN
fsr-3226	86	17	,	,	PUNCT
fsr-3226	86	18	2001	2001	NUM
fsr-3226	86	19	)	)	PUNCT
fsr-3226	86	20	,	,	PUNCT
fsr-3226	86	21	shame	shame	NOUN
fsr-3226	86	22	and	and	CCONJ
fsr-3226	86	23	embarrassment	embarrassment	NOUN
fsr-3226	86	24	,	,	PUNCT
fsr-3226	86	25	and	and	CCONJ
fsr-3226	86	26	lack	lack	NOUN
fsr-3226	86	27	of	of	ADP
fsr-3226	86	28	knowledge	knowledge	NOUN
fsr-3226	86	29	about	about	ADP
fsr-3226	86	30	professional	professional	ADJ
fsr-3226	86	31	sources	source	NOUN
fsr-3226	86	32	(	(	PUNCT
fsr-3226	86	33	du	du	PROPN
fsr-3226	86	34	plessis	plessis	PROPN
fsr-3226	86	35	,	,	PUNCT
fsr-3226	86	36	lawton	lawton	PROPN
fsr-3226	86	37	,	,	PUNCT
fsr-3226	86	38	and	and	CCONJ
fsr-3226	86	39	corney	corney	NOUN
fsr-3226	86	40	2010	2010	NUM
fsr-3226	86	41	)	)	PUNCT
fsr-3226	86	42	.	.	PUNCT
fsr-3226	87	1	grable	grable	PROPN
fsr-3226	87	2	and	and	CCONJ
fsr-3226	87	3	joo	joo	PROPN
fsr-3226	87	4	(	(	PUNCT
fsr-3226	87	5	2001	2001	NUM
fsr-3226	87	6	)	)	PUNCT
fsr-3226	87	7	also	also	ADV
fsr-3226	87	8	find	find	VERB
fsr-3226	87	9	that	that	SCONJ
fsr-3226	87	10	individuals	individual	NOUN
fsr-3226	87	11	with	with	ADP
fsr-3226	87	12	low	low	ADJ
fsr-3226	87	13	satisfaction	satisfaction	NOUN
fsr-3226	87	14	with	with	ADP
fsr-3226	87	15	their	their	PRON
fsr-3226	87	16	financial	financial	ADJ
fsr-3226	87	17	situation	situation	NOUN
fsr-3226	87	18	are	be	AUX
fsr-3226	87	19	more	more	ADV
fsr-3226	87	20	likely	likely	ADJ
fsr-3226	87	21	to	to	PART
fsr-3226	87	22	seek	seek	VERB
fsr-3226	87	23	advice	advice	NOUN
fsr-3226	87	24	from	from	ADP
fsr-3226	87	25	family	family	NOUN
fsr-3226	87	26	,	,	PUNCT
fsr-3226	87	27	friends	friend	NOUN
fsr-3226	87	28	,	,	PUNCT
fsr-3226	87	29	and	and	CCONJ
fsr-3226	87	30	work	work	NOUN
fsr-3226	87	31	colleagues	colleague	NOUN
fsr-3226	87	32	,	,	PUNCT
fsr-3226	87	33	rather	rather	ADV
fsr-3226	87	34	than	than	ADP
fsr-3226	87	35	professional	professional	ADJ
fsr-3226	87	36	sources	source	NOUN
fsr-3226	87	37	.	.	PUNCT
fsr-3226	88	1	2.4	2.4	NUM
fsr-3226	88	2	.	.	PUNCT
fsr-3226	89	1	the	the	DET
fsr-3226	89	2	link	link	NOUN
fsr-3226	89	3	between	between	ADP
fsr-3226	89	4	financial	financial	ADJ
fsr-3226	89	5	literacy	literacy	NOUN
fsr-3226	89	6	and	and	CCONJ
fsr-3226	89	7	help	help	AUX
fsr-3226	89	8	-	-	PUNCT
fsr-3226	89	9	seeking	seek	VERB
fsr-3226	89	10	past	past	ADJ
fsr-3226	89	11	studies	study	NOUN
fsr-3226	89	12	have	have	AUX
fsr-3226	89	13	addressed	address	VERB
fsr-3226	89	14	the	the	DET
fsr-3226	89	15	relationship	relationship	NOUN
fsr-3226	89	16	between	between	ADP
fsr-3226	89	17	the	the	DET
fsr-3226	89	18	components	component	NOUN
fsr-3226	89	19	of	of	ADP
fsr-3226	89	20	financial	financial	ADJ
fsr-3226	89	21	literacy	literacy	NOUN
fsr-3226	89	22	and	and	CCONJ
fsr-3226	89	23	help	help	AUX
fsr-3226	89	24	-	-	PUNCT
fsr-3226	89	25	seeking	seek	VERB
fsr-3226	89	26	behavior	behavior	NOUN
fsr-3226	89	27	with	with	ADP
fsr-3226	89	28	some	some	DET
fsr-3226	89	29	promising	promising	ADJ
fsr-3226	89	30	findings	finding	NOUN
fsr-3226	89	31	.	.	PUNCT
fsr-3226	90	1	lusardi	lusardi	PROPN
fsr-3226	90	2	and	and	CCONJ
fsr-3226	90	3	mitchell	mitchell	PROPN
fsr-3226	90	4	(	(	PUNCT
fsr-3226	90	5	2007	2007	NUM
fsr-3226	90	6	)	)	PUNCT
fsr-3226	90	7	find	find	VERB
fsr-3226	90	8	that	that	SCONJ
fsr-3226	90	9	greater	great	ADJ
fsr-3226	90	10	knowledge	knowledge	NOUN
fsr-3226	90	11	increases	increase	VERB
fsr-3226	90	12	one	one	NUM
fsr-3226	90	13	’s	’s	PART
fsr-3226	90	14	awareness	awareness	NOUN
fsr-3226	90	15	of	of	ADP
fsr-3226	90	16	the	the	DET
fsr-3226	90	17	need	need	NOUN
fsr-3226	90	18	for	for	ADP
fsr-3226	90	19	assistance	assistance	NOUN
fsr-3226	90	20	and	and	CCONJ
fsr-3226	90	21	perry	perry	NOUN
fsr-3226	90	22	and	and	CCONJ
fsr-3226	90	23	morris	morris	PROPN
fsr-3226	90	24	(	(	PUNCT
fsr-3226	90	25	2005	2005	NUM
fsr-3226	90	26	)	)	PUNCT
fsr-3226	90	27	find	find	VERB
fsr-3226	90	28	that	that	SCONJ
fsr-3226	90	29	potential	potential	ADJ
fsr-3226	90	30	costs	cost	NOUN
fsr-3226	90	31	of	of	ADP
fsr-3226	90	32	poor	poor	ADJ
fsr-3226	90	33	decisions	decision	NOUN
fsr-3226	90	34	emboldens	embolden	VERB
fsr-3226	90	35	individuals	individual	NOUN
fsr-3226	90	36	to	to	PART
fsr-3226	90	37	make	make	VERB
fsr-3226	90	38	their	their	PRON
fsr-3226	90	39	own	own	ADJ
fsr-3226	90	40	financial	financial	ADJ
fsr-3226	90	41	decisions	decision	NOUN
fsr-3226	90	42	.	.	PUNCT
fsr-3226	91	1	in	in	ADP
fsr-3226	91	2	an	an	DET
fsr-3226	91	3	analysis	analysis	NOUN
fsr-3226	91	4	of	of	ADP
fsr-3226	91	5	college	college	NOUN
fsr-3226	91	6	students	student	NOUN
fsr-3226	91	7	,	,	PUNCT
fsr-3226	91	8	lim	lim	PROPN
fsr-3226	91	9	et	et	PROPN
fsr-3226	91	10	al	al	PROPN
fsr-3226	91	11	.	.	PROPN
fsr-3226	92	1	(	(	PUNCT
fsr-3226	92	2	2014	2014	NUM
fsr-3226	92	3	)	)	PUNCT
fsr-3226	92	4	find	find	VERB
fsr-3226	92	5	that	that	SCONJ
fsr-3226	92	6	college	college	NOUN
fsr-3226	92	7	students	student	NOUN
fsr-3226	92	8	who	who	PRON
fsr-3226	92	9	took	take	VERB
fsr-3226	92	10	financial	financial	ADJ
fsr-3226	92	11	education	education	NOUN
fsr-3226	92	12	courses	course	NOUN
fsr-3226	92	13	in	in	ADP
fsr-3226	92	14	either	either	CCONJ
fsr-3226	92	15	high	high	ADJ
fsr-3226	92	16	school	school	NOUN
fsr-3226	92	17	or	or	CCONJ
fsr-3226	92	18	college	college	NOUN
fsr-3226	92	19	are	be	AUX
fsr-3226	92	20	more	more	ADV
fsr-3226	92	21	likely	likely	ADJ
fsr-3226	92	22	to	to	PART
fsr-3226	92	23	seek	seek	VERB
fsr-3226	92	24	financial	financial	ADJ
fsr-3226	92	25	help	help	NOUN
fsr-3226	92	26	.	.	PUNCT
fsr-3226	93	1	both	both	DET
fsr-3226	93	2	collins	collins	PROPN
fsr-3226	93	3	(	(	PUNCT
fsr-3226	93	4	2012	2012	NUM
fsr-3226	93	5	)	)	PUNCT
fsr-3226	93	6	and	and	CCONJ
fsr-3226	93	7	robb	robb	VERB
fsr-3226	93	8	et	et	PROPN
fsr-3226	93	9	al	al	PROPN
fsr-3226	93	10	.	.	PROPN
fsr-3226	93	11	(	(	PUNCT
fsr-3226	93	12	2012	2012	NUM
fsr-3226	93	13	)	)	PUNCT
fsr-3226	93	14	analyze	analyze	VERB
fsr-3226	93	15	the	the	DET
fsr-3226	93	16	2009	2009	NUM
fsr-3226	93	17	national	national	ADJ
fsr-3226	93	18	financial	financial	ADJ
fsr-3226	93	19	capability	capability	NOUN
fsr-3226	93	20	study	study	NOUN
fsr-3226	93	21	(	(	PUNCT
fsr-3226	93	22	nfcs	nfcs	PROPN
fsr-3226	93	23	)	)	PUNCT
fsr-3226	93	24	dataset	dataset	NOUN
fsr-3226	93	25	and	and	CCONJ
fsr-3226	93	26	find	find	VERB
fsr-3226	93	27	a	a	DET
fsr-3226	93	28	positive	positive	ADJ
fsr-3226	93	29	correlation	correlation	NOUN
fsr-3226	93	30	between	between	ADP
fsr-3226	93	31	financial	financial	ADJ
fsr-3226	93	32	knowledge	knowledge	NOUN
fsr-3226	93	33	,	,	PUNCT
fsr-3226	93	34	financial	financial	ADJ
fsr-3226	93	35	confidence	confidence	NOUN
fsr-3226	93	36	,	,	PUNCT
fsr-3226	93	37	and	and	CCONJ
fsr-3226	93	38	the	the	DET
fsr-3226	93	39	use	use	NOUN
fsr-3226	93	40	of	of	ADP
fsr-3226	93	41	a	a	DET
fsr-3226	93	42	financial	financial	ADJ
fsr-3226	93	43	planner	planner	NOUN
fsr-3226	93	44	.	.	PUNCT
fsr-3226	94	1	in	in	ADP
fsr-3226	94	2	an	an	DET
fsr-3226	94	3	investigation	investigation	NOUN
fsr-3226	94	4	of	of	ADP
fsr-3226	94	5	an	an	DET
fsr-3226	94	6	italian	italian	ADJ
fsr-3226	94	7	sample	sample	NOUN
fsr-3226	94	8	,	,	PUNCT
fsr-3226	94	9	calcagno	calcagno	NOUN
fsr-3226	94	10	and	and	CCONJ
fsr-3226	94	11	monticone	monticone	NOUN
fsr-3226	94	12	(	(	PUNCT
fsr-3226	94	13	2015	2015	NUM
fsr-3226	94	14	)	)	PUNCT
fsr-3226	94	15	find	find	VERB
fsr-3226	94	16	that	that	SCONJ
fsr-3226	94	17	financially	financially	ADV
fsr-3226	94	18	knowledgeable	knowledgeable	ADJ
fsr-3226	94	19	individuals	individual	NOUN
fsr-3226	94	20	are	be	AUX
fsr-3226	94	21	more	more	ADV
fsr-3226	94	22	likely	likely	ADJ
fsr-3226	94	23	to	to	PART
fsr-3226	94	24	seek	seek	VERB
fsr-3226	94	25	advice	advice	NOUN
fsr-3226	94	26	,	,	PUNCT
fsr-3226	94	27	but	but	CCONJ
fsr-3226	94	28	no	no	DET
fsr-3226	94	29	relationship	relationship	NOUN
fsr-3226	94	30	is	be	AUX
fsr-3226	94	31	found	find	VERB
fsr-3226	94	32	between	between	ADP
fsr-3226	94	33	financial	financial	ADJ
fsr-3226	94	34	confidence	confidence	NOUN
fsr-3226	94	35	and	and	CCONJ
fsr-3226	94	36	help	help	VERB
fsr-3226	94	37	seeking	seek	VERB
fsr-3226	94	38	behavior	behavior	NOUN
fsr-3226	94	39	.	.	PUNCT
fsr-3226	95	1	conversely	conversely	ADV
fsr-3226	95	2	,	,	PUNCT
fsr-3226	95	3	in	in	ADP
fsr-3226	95	4	a	a	DET
fsr-3226	95	5	study	study	NOUN
fsr-3226	95	6	of	of	ADP
fsr-3226	95	7	first	first	ADJ
fsr-3226	95	8	time	time	NOUN
fsr-3226	95	9	homebuyers	homebuyer	NOUN
fsr-3226	95	10	,	,	PUNCT
fsr-3226	95	11	moulton	moulton	PROPN
fsr-3226	95	12	et	et	PROPN
fsr-3226	95	13	al	al	PROPN
fsr-3226	95	14	.	.	PROPN
fsr-3226	95	15	(	(	PUNCT
fsr-3226	95	16	2013	2013	NUM
fsr-3226	95	17	)	)	PUNCT
fsr-3226	95	18	find	find	VERB
fsr-3226	95	19	financial	financial	ADJ
fsr-3226	95	20	confidence	confidence	NOUN
fsr-3226	95	21	to	to	PART
fsr-3226	95	22	be	be	AUX
fsr-3226	95	23	positively	positively	ADV
fsr-3226	95	24	associated	associate	VERB
fsr-3226	95	25	with	with	ADP
fsr-3226	95	26	advice	advice	NOUN
fsr-3226	95	27	seeking	seek	VERB
fsr-3226	95	28	behavior	behavior	NOUN
fsr-3226	95	29	,	,	PUNCT
fsr-3226	95	30	but	but	CCONJ
fsr-3226	95	31	found	find	VERB
fsr-3226	95	32	no	no	DET
fsr-3226	95	33	relationship	relationship	NOUN
fsr-3226	95	34	between	between	ADP
fsr-3226	95	35	financial	financial	ADJ
fsr-3226	95	36	knowledge	knowledge	NOUN
fsr-3226	95	37	and	and	CCONJ
fsr-3226	95	38	the	the	DET
fsr-3226	95	39	use	use	NOUN
fsr-3226	95	40	of	of	ADP
fsr-3226	95	41	a	a	DET
fsr-3226	95	42	financial	financial	ADJ
fsr-3226	95	43	coach	coach	NOUN
fsr-3226	95	44	.	.	PUNCT
fsr-3226	96	1	finke	finke	PROPN
fsr-3226	96	2	et	et	PROPN
fsr-3226	96	3	al	al	PROPN
fsr-3226	96	4	.	.	PROPN
fsr-3226	97	1	(	(	PUNCT
fsr-3226	97	2	2011	2011	NUM
fsr-3226	97	3	)	)	PUNCT
fsr-3226	97	4	find	find	VERB
fsr-3226	97	5	a	a	DET
fsr-3226	97	6	more	more	ADV
fsr-3226	97	7	complicated	complicated	ADJ
fsr-3226	97	8	relationship	relationship	NOUN
fsr-3226	97	9	between	between	ADP
fsr-3226	97	10	financial	financial	ADJ
fsr-3226	97	11	confidence	confidence	NOUN
fsr-3226	97	12	and	and	CCONJ
fsr-3226	97	13	financial	financial	ADJ
fsr-3226	97	14	advice	advice	NOUN
fsr-3226	97	15	.	.	PUNCT
fsr-3226	98	1	overall	overall	ADJ
fsr-3226	98	2	,	,	PUNCT
fsr-3226	98	3	those	those	PRON
fsr-3226	98	4	who	who	PRON
fsr-3226	98	5	pay	pay	VERB
fsr-3226	98	6	for	for	ADP
fsr-3226	98	7	financial	financial	ADJ
fsr-3226	98	8	advice	advice	NOUN
fsr-3226	98	9	have	have	VERB
fsr-3226	98	10	a	a	DET
fsr-3226	98	11	low	low	ADJ
fsr-3226	98	12	level	level	NOUN
fsr-3226	98	13	of	of	ADP
fsr-3226	98	14	self	self	NOUN
fsr-3226	98	15	-	-	PUNCT
fsr-3226	98	16	reported	report	VERB
fsr-3226	98	17	knowledge	knowledge	NOUN
fsr-3226	98	18	about	about	ADP
fsr-3226	98	19	financial	financial	ADJ
fsr-3226	98	20	issues	issue	NOUN
fsr-3226	98	21	.	.	PUNCT
fsr-3226	99	1	however	however	ADV
fsr-3226	99	2	,	,	PUNCT
fsr-3226	99	3	among	among	ADP
fsr-3226	99	4	those	those	PRON
fsr-3226	99	5	who	who	PRON
fsr-3226	99	6	pay	pay	VERB
fsr-3226	99	7	,	,	PUNCT
fsr-3226	99	8	those	those	PRON
fsr-3226	99	9	who	who	PRON
fsr-3226	99	10	choose	choose	VERB
fsr-3226	99	11	comprehensive	comprehensive	ADJ
fsr-3226	99	12	management	management	NOUN
fsr-3226	99	13	have	have	VERB
fsr-3226	99	14	high	high	ADJ
fsr-3226	99	15	self	self	NOUN
fsr-3226	99	16	-	-	PUNCT
fsr-3226	99	17	reported	report	VERB
fsr-3226	99	18	knowledge	knowledge	NOUN
fsr-3226	99	19	about	about	ADP
fsr-3226	99	20	financial	financial	ADJ
fsr-3226	99	21	issues	issue	NOUN
fsr-3226	99	22	(	(	PUNCT
fsr-3226	99	23	finke	finke	PROPN
fsr-3226	99	24	et	et	PROPN
fsr-3226	99	25	al	al	PROPN
fsr-3226	99	26	.	.	PROPN
fsr-3226	99	27	,	,	PUNCT
fsr-3226	99	28	2011	2011	NUM
fsr-3226	99	29	)	)	PUNCT
fsr-3226	99	30	.	.	PUNCT
fsr-3226	100	1	while	while	SCONJ
fsr-3226	100	2	a	a	DET
fsr-3226	100	3	variety	variety	NOUN
fsr-3226	100	4	of	of	ADP
fsr-3226	100	5	studies	study	NOUN
fsr-3226	100	6	have	have	AUX
fsr-3226	100	7	sought	seek	VERB
fsr-3226	100	8	to	to	PART
fsr-3226	100	9	investigate	investigate	VERB
fsr-3226	100	10	the	the	DET
fsr-3226	100	11	link	link	NOUN
fsr-3226	100	12	between	between	ADP
fsr-3226	100	13	financial	financial	ADJ
fsr-3226	100	14	literacy	literacy	NOUN
fsr-3226	100	15	and	and	CCONJ
fsr-3226	100	16	advice	advice	NOUN
fsr-3226	100	17	seeking	seek	VERB
fsr-3226	100	18	behavior	behavior	NOUN
fsr-3226	100	19	,	,	PUNCT
fsr-3226	100	20	most	most	ADJ
fsr-3226	100	21	research	research	NOUN
fsr-3226	100	22	has	have	AUX
fsr-3226	100	23	been	be	AUX
fsr-3226	100	24	limited	limit	VERB
fsr-3226	100	25	in	in	ADP
fsr-3226	100	26	its	its	PRON
fsr-3226	100	27	inclusion	inclusion	NOUN
fsr-3226	100	28	of	of	ADP
fsr-3226	100	29	all	all	DET
fsr-3226	100	30	three	three	NUM
fsr-3226	100	31	components	component	NOUN
fsr-3226	100	32	of	of	ADP
fsr-3226	100	33	financial	financial	ADJ
fsr-3226	100	34	literacy	literacy	NOUN
fsr-3226	100	35	and	and	CCONJ
fsr-3226	100	36	focus	focus	VERB
fsr-3226	100	37	on	on	ADP
fsr-3226	100	38	financial	financial	ADJ
fsr-3226	100	39	planner	planner	NOUN
fsr-3226	100	40	use	use	NOUN
fsr-3226	100	41	.	.	PUNCT
fsr-3226	101	1	using	use	VERB
fsr-3226	101	2	rich	rich	ADJ
fsr-3226	101	3	data	datum	NOUN
fsr-3226	101	4	from	from	ADP
fsr-3226	101	5	the	the	DET
fsr-3226	101	6	nlsy79	nlsy79	NOUN
fsr-3226	101	7	,	,	PUNCT
fsr-3226	101	8	this	this	DET
fsr-3226	101	9	research	research	NOUN
fsr-3226	101	10	is	be	AUX
fsr-3226	101	11	able	able	ADJ
fsr-3226	101	12	to	to	PART
fsr-3226	101	13	better	well	ADV
fsr-3226	101	14	measure	measure	VERB
fsr-3226	101	15	each	each	DET
fsr-3226	101	16	component	component	NOUN
fsr-3226	101	17	of	of	ADP
fsr-3226	101	18	financial	financial	ADJ
fsr-3226	101	19	literacy	literacy	NOUN
fsr-3226	101	20	in	in	ADP
fsr-3226	101	21	335m.c	335m.c	NUM
fsr-3226	101	22	.	.	PUNCT
fsr-3226	102	1	seay	seay	PROPN
fsr-3226	102	2	et	et	PROPN
fsr-3226	102	3	al	al	PROPN
fsr-3226	102	4	.	.	PUNCT
fsr-3226	102	5	/	/	SYM
fsr-3226	102	6	financial	financial	ADJ
fsr-3226	102	7	services	service	NOUN
fsr-3226	102	8	review	review	VERB
fsr-3226	102	9	25	25	NUM
fsr-3226	102	10	(	(	PUNCT
fsr-3226	102	11	2016	2016	NUM
fsr-3226	102	12	)	)	PUNCT
fsr-3226	103	1	331–350	331–350	NUM
fsr-3226	103	2	investigating	investigate	VERB
fsr-3226	103	3	its	its	PRON
fsr-3226	103	4	link	link	NOUN
fsr-3226	103	5	to	to	ADP
fsr-3226	103	6	financial	financial	ADJ
fsr-3226	103	7	planner	planner	NOUN
fsr-3226	103	8	use	use	NOUN
fsr-3226	103	9	while	while	SCONJ
fsr-3226	103	10	controlling	control	VERB
fsr-3226	103	11	for	for	ADP
fsr-3226	103	12	other	other	ADJ
fsr-3226	103	13	known	know	VERB
fsr-3226	103	14	predictors	predictor	NOUN
fsr-3226	103	15	of	of	ADP
fsr-3226	103	16	financial	financial	ADJ
fsr-3226	103	17	advice	advice	NOUN
fsr-3226	103	18	seeking	seeking	NOUN
fsr-3226	103	19	.	.	PUNCT
fsr-3226	104	1	3	3	X
fsr-3226	104	2	.	.	X
fsr-3226	104	3	method	method	PROPN
fsr-3226	104	4	3.1	3.1	NUM
fsr-3226	104	5	.	.	PUNCT
fsr-3226	105	1	dataset	dataset	NOUN
fsr-3226	105	2	and	and	CCONJ
fsr-3226	105	3	sample	sample	NOUN
fsr-3226	105	4	selection	selection	NOUN
fsr-3226	105	5	the	the	DET
fsr-3226	105	6	nlsy79	nlsy79	NOUN
fsr-3226	105	7	is	be	AUX
fsr-3226	105	8	a	a	DET
fsr-3226	105	9	nationally	nationally	ADV
fsr-3226	105	10	representative	representative	ADJ
fsr-3226	105	11	sample	sample	NOUN
fsr-3226	105	12	of	of	ADP
fsr-3226	105	13	12,686	12,686	NUM
fsr-3226	105	14	young	young	ADJ
fsr-3226	105	15	men	man	NOUN
fsr-3226	105	16	and	and	CCONJ
fsr-3226	105	17	women	woman	NOUN
fsr-3226	105	18	who	who	PRON
fsr-3226	105	19	were	be	AUX
fsr-3226	105	20	between	between	ADP
fsr-3226	105	21	14	14	NUM
fsr-3226	105	22	and	and	CCONJ
fsr-3226	105	23	22	22	NUM
fsr-3226	105	24	years	year	NOUN
fsr-3226	105	25	old	old	ADJ
fsr-3226	105	26	when	when	SCONJ
fsr-3226	105	27	they	they	PRON
fsr-3226	105	28	were	be	AUX
fsr-3226	105	29	first	first	ADV
fsr-3226	105	30	surveyed	survey	VERB
fsr-3226	105	31	in	in	ADP
fsr-3226	105	32	1979	1979	NUM
fsr-3226	105	33	.	.	PUNCT
fsr-3226	106	1	these	these	DET
fsr-3226	106	2	individuals	individual	NOUN
fsr-3226	106	3	were	be	AUX
fsr-3226	106	4	interviewed	interview	VERB
fsr-3226	106	5	annually	annually	ADV
fsr-3226	106	6	through	through	ADP
fsr-3226	106	7	1994	1994	NUM
fsr-3226	106	8	and	and	CCONJ
fsr-3226	106	9	are	be	AUX
fsr-3226	106	10	currently	currently	ADV
fsr-3226	106	11	interviewed	interview	VERB
fsr-3226	106	12	on	on	ADP
fsr-3226	106	13	a	a	DET
fsr-3226	106	14	biennial	biennial	ADJ
fsr-3226	106	15	basis	basis	NOUN
fsr-3226	106	16	.	.	PUNCT
fsr-3226	107	1	this	this	DET
fsr-3226	107	2	dataset	dataset	NOUN
fsr-3226	107	3	is	be	AUX
fsr-3226	107	4	particularly	particularly	ADV
fsr-3226	107	5	appropriate	appropriate	ADJ
fsr-3226	107	6	to	to	PART
fsr-3226	107	7	address	address	VERB
fsr-3226	107	8	the	the	DET
fsr-3226	107	9	research	research	NOUN
fsr-3226	107	10	question	question	NOUN
fsr-3226	107	11	because	because	SCONJ
fsr-3226	107	12	it	it	PRON
fsr-3226	107	13	is	be	AUX
fsr-3226	107	14	longitudinal	longitudinal	ADJ
fsr-3226	107	15	,	,	PUNCT
fsr-3226	107	16	has	have	VERB
fsr-3226	107	17	specific	specific	ADJ
fsr-3226	107	18	questions	question	NOUN
fsr-3226	107	19	on	on	ADP
fsr-3226	107	20	the	the	DET
fsr-3226	107	21	use	use	NOUN
fsr-3226	107	22	of	of	ADP
fsr-3226	107	23	a	a	DET
fsr-3226	107	24	financial	financial	ADJ
fsr-3226	107	25	planner	planner	NOUN
fsr-3226	107	26	as	as	ADV
fsr-3226	107	27	well	well	ADV
fsr-3226	107	28	as	as	ADP
fsr-3226	107	29	questions	question	NOUN
fsr-3226	107	30	to	to	PART
fsr-3226	107	31	measure	measure	VERB
fsr-3226	107	32	financial	financial	ADJ
fsr-3226	107	33	knowledge	knowledge	NOUN
fsr-3226	107	34	,	,	PUNCT
fsr-3226	107	35	financial	financial	ADJ
fsr-3226	107	36	confidence	confidence	NOUN
fsr-3226	107	37	,	,	PUNCT
fsr-3226	107	38	and	and	CCONJ
fsr-3226	107	39	financial	financial	ADJ
fsr-3226	107	40	capability	capability	NOUN
fsr-3226	107	41	.	.	PUNCT
fsr-3226	108	1	of	of	ADP
fsr-3226	108	2	the	the	DET
fsr-3226	108	3	7,301	7,301	NUM
fsr-3226	108	4	respondents	respondent	NOUN
fsr-3226	108	5	who	who	PRON
fsr-3226	108	6	remained	remain	VERB
fsr-3226	108	7	in	in	ADP
fsr-3226	108	8	the	the	DET
fsr-3226	108	9	survey	survey	NOUN
fsr-3226	108	10	in	in	ADP
fsr-3226	108	11	2012	2012	NUM
fsr-3226	108	12	,	,	PUNCT
fsr-3226	108	13	we	we	PRON
fsr-3226	108	14	limit	limit	VERB
fsr-3226	108	15	our	our	PRON
fsr-3226	108	16	sample	sample	NOUN
fsr-3226	108	17	to	to	ADP
fsr-3226	108	18	nonretired	nonretire	VERB
fsr-3226	108	19	individuals	individual	NOUN
fsr-3226	108	20	that	that	PRON
fsr-3226	108	21	responded	respond	VERB
fsr-3226	108	22	to	to	ADP
fsr-3226	108	23	both	both	CCONJ
fsr-3226	108	24	the	the	DET
fsr-3226	108	25	2010	2010	NUM
fsr-3226	108	26	and	and	CCONJ
fsr-3226	108	27	2012	2012	NUM
fsr-3226	108	28	administrations	administration	NOUN
fsr-3226	108	29	of	of	ADP
fsr-3226	108	30	the	the	DET
fsr-3226	108	31	nlsy79	nlsy79	NOUN
fsr-3226	108	32	.	.	PUNCT
fsr-3226	109	1	this	this	PRON
fsr-3226	109	2	provided	provide	VERB
fsr-3226	109	3	a	a	DET
fsr-3226	109	4	final	final	ADJ
fsr-3226	109	5	sample	sample	NOUN
fsr-3226	109	6	size	size	NOUN
fsr-3226	109	7	of	of	ADP
fsr-3226	109	8	5,127	5,127	NUM
fsr-3226	109	9	.	.	PUNCT
fsr-3226	110	1	3.2	3.2	NUM
fsr-3226	110	2	.	.	PUNCT
fsr-3226	111	1	dependent	dependent	ADJ
fsr-3226	111	2	variable	variable	NOUN
fsr-3226	111	3	the	the	DET
fsr-3226	111	4	dependent	dependent	ADJ
fsr-3226	111	5	variables	variable	NOUN
fsr-3226	111	6	are	be	AUX
fsr-3226	111	7	constructed	construct	VERB
fsr-3226	111	8	based	base	VERB
fsr-3226	111	9	on	on	ADP
fsr-3226	111	10	whether	whether	SCONJ
fsr-3226	111	11	or	or	CCONJ
fsr-3226	111	12	not	not	PART
fsr-3226	111	13	the	the	DET
fsr-3226	111	14	respondent	respondent	NOUN
fsr-3226	111	15	“	"	PUNCT
fsr-3226	111	16	consulted	consult	VERB
fsr-3226	111	17	a	a	DET
fsr-3226	111	18	financial	financial	ADJ
fsr-3226	111	19	planner	planner	NOUN
fsr-3226	111	20	about	about	ADP
fsr-3226	111	21	how	how	SCONJ
fsr-3226	111	22	to	to	PART
fsr-3226	111	23	plan	plan	VERB
fsr-3226	111	24	[	[	PUNCT
fsr-3226	111	25	your	your	PRON
fsr-3226	111	26	]	]	PUNCT
fsr-3226	111	27	finances	finance	NOUN
fsr-3226	111	28	after	after	ADP
fsr-3226	111	29	retirement	retirement	NOUN
fsr-3226	111	30	”	"	PUNCT
fsr-3226	111	31	in	in	ADP
fsr-3226	111	32	2010	2010	NUM
fsr-3226	111	33	and	and	CCONJ
fsr-3226	111	34	2012	2012	NUM
fsr-3226	111	35	.	.	PUNCT
fsr-3226	112	1	this	this	DET
fsr-3226	112	2	study	study	NOUN
fsr-3226	112	3	uses	use	VERB
fsr-3226	112	4	two	two	NUM
fsr-3226	112	5	different	different	ADJ
fsr-3226	112	6	dependent	dependent	ADJ
fsr-3226	112	7	variables	variable	NOUN
fsr-3226	112	8	.	.	PUNCT
fsr-3226	113	1	first	first	ADV
fsr-3226	113	2	,	,	PUNCT
fsr-3226	113	3	a	a	DET
fsr-3226	113	4	binary	binary	ADJ
fsr-3226	113	5	dependent	dependent	ADJ
fsr-3226	113	6	variable	variable	NOUN
fsr-3226	113	7	indicates	indicate	VERB
fsr-3226	113	8	whether	whether	SCONJ
fsr-3226	113	9	respondents	respondent	NOUN
fsr-3226	113	10	reported	report	VERB
fsr-3226	113	11	using	use	VERB
fsr-3226	113	12	a	a	DET
fsr-3226	113	13	financial	financial	ADJ
fsr-3226	113	14	planner	planner	NOUN
fsr-3226	113	15	for	for	ADP
fsr-3226	113	16	retirement	retirement	NOUN
fsr-3226	113	17	planning	planning	NOUN
fsr-3226	113	18	in	in	ADP
fsr-3226	113	19	2012	2012	NUM
fsr-3226	113	20	for	for	ADP
fsr-3226	113	21	a	a	DET
fsr-3226	113	22	baseline	baseline	ADJ
fsr-3226	113	23	analysis	analysis	NOUN
fsr-3226	113	24	.	.	PUNCT
fsr-3226	114	1	further	far	ADV
fsr-3226	114	2	,	,	PUNCT
fsr-3226	114	3	we	we	PRON
fsr-3226	114	4	define	define	VERB
fsr-3226	114	5	four	four	NUM
fsr-3226	114	6	categories	category	NOUN
fsr-3226	114	7	of	of	ADP
fsr-3226	114	8	financial	financial	ADJ
fsr-3226	114	9	planner	planner	NOUN
fsr-3226	114	10	use	use	NOUN
fsr-3226	114	11	between	between	ADP
fsr-3226	114	12	the	the	DET
fsr-3226	114	13	two	two	NUM
fsr-3226	114	14	survey	survey	NOUN
fsr-3226	114	15	waves	wave	NOUN
fsr-3226	114	16	;	;	PUNCT
fsr-3226	114	17	those	those	PRON
fsr-3226	114	18	who	who	PRON
fsr-3226	114	19	had	have	VERB
fsr-3226	114	20	a	a	DET
fsr-3226	114	21	financial	financial	ADJ
fsr-3226	114	22	planner	planner	NOUN
fsr-3226	114	23	in	in	ADP
fsr-3226	114	24	both	both	DET
fsr-3226	114	25	2010	2010	NUM
fsr-3226	114	26	and	and	CCONJ
fsr-3226	114	27	2012	2012	NUM
fsr-3226	114	28	;	;	PUNCT
fsr-3226	114	29	those	those	PRON
fsr-3226	114	30	who	who	PRON
fsr-3226	114	31	did	do	AUX
fsr-3226	114	32	not	not	PART
fsr-3226	114	33	have	have	VERB
fsr-3226	114	34	a	a	DET
fsr-3226	114	35	planner	planner	NOUN
fsr-3226	114	36	in	in	ADP
fsr-3226	114	37	2010	2010	NUM
fsr-3226	114	38	,	,	PUNCT
fsr-3226	114	39	but	but	CCONJ
fsr-3226	114	40	adopted	adopt	VERB
fsr-3226	114	41	one	one	NUM
fsr-3226	114	42	in	in	ADP
fsr-3226	114	43	2012	2012	NUM
fsr-3226	114	44	;	;	PUNCT
fsr-3226	114	45	those	those	PRON
fsr-3226	114	46	who	who	PRON
fsr-3226	114	47	had	have	VERB
fsr-3226	114	48	a	a	DET
fsr-3226	114	49	financial	financial	ADJ
fsr-3226	114	50	planner	planner	NOUN
fsr-3226	114	51	in	in	ADP
fsr-3226	114	52	2010	2010	NUM
fsr-3226	114	53	,	,	PUNCT
fsr-3226	114	54	but	but	CCONJ
fsr-3226	114	55	dropped	drop	VERB
fsr-3226	114	56	them	they	PRON
fsr-3226	114	57	in	in	ADP
fsr-3226	114	58	2012	2012	NUM
fsr-3226	114	59	;	;	PUNCT
fsr-3226	114	60	and	and	CCONJ
fsr-3226	114	61	those	those	PRON
fsr-3226	114	62	who	who	PRON
fsr-3226	114	63	did	do	AUX
fsr-3226	114	64	not	not	PART
fsr-3226	114	65	have	have	VERB
fsr-3226	114	66	a	a	DET
fsr-3226	114	67	planner	planner	NOUN
fsr-3226	114	68	in	in	ADP
fsr-3226	114	69	either	either	DET
fsr-3226	114	70	2010	2010	NUM
fsr-3226	114	71	or	or	CCONJ
fsr-3226	114	72	2012	2012	NUM
fsr-3226	114	73	.	.	PUNCT
fsr-3226	115	1	3.3	3.3	NUM
fsr-3226	115	2	.	.	PUNCT
fsr-3226	116	1	financial	financial	ADJ
fsr-3226	116	2	literacy	literacy	NOUN
fsr-3226	116	3	variables	variable	VERB
fsr-3226	116	4	3.3.1	3.3.1	NUM
fsr-3226	116	5	.	.	PUNCT
fsr-3226	117	1	financial	financial	ADJ
fsr-3226	117	2	knowledge	knowledge	NOUN
fsr-3226	117	3	objective	objective	ADJ
fsr-3226	117	4	financial	financial	ADJ
fsr-3226	117	5	knowledge	knowledge	NOUN
fsr-3226	117	6	is	be	AUX
fsr-3226	117	7	measured	measure	VERB
fsr-3226	117	8	using	use	VERB
fsr-3226	117	9	five	five	NUM
fsr-3226	117	10	personal	personal	ADJ
fsr-3226	117	11	finance	finance	NOUN
fsr-3226	117	12	questions	question	NOUN
fsr-3226	117	13	.	.	PUNCT
fsr-3226	118	1	the	the	DET
fsr-3226	118	2	financial	financial	ADJ
fsr-3226	118	3	knowledge	knowledge	NOUN
fsr-3226	118	4	questions	question	NOUN
fsr-3226	118	5	,	,	PUNCT
fsr-3226	118	6	administered	administer	VERB
fsr-3226	118	7	in	in	ADP
fsr-3226	118	8	the	the	DET
fsr-3226	118	9	nlsy79	nlsy79	NOUN
fsr-3226	118	10	in	in	ADP
fsr-3226	118	11	2012	2012	NUM
fsr-3226	118	12	,	,	PUNCT
fsr-3226	118	13	asses	asse	VERB
fsr-3226	118	14	an	an	DET
fsr-3226	118	15	individual	individual	NOUN
fsr-3226	118	16	’s	’s	PART
fsr-3226	118	17	understanding	understanding	NOUN
fsr-3226	118	18	of	of	ADP
fsr-3226	118	19	diversification	diversification	NOUN
fsr-3226	118	20	,	,	PUNCT
fsr-3226	118	21	compound	compound	NOUN
fsr-3226	118	22	interest	interest	NOUN
fsr-3226	118	23	,	,	PUNCT
fsr-3226	118	24	inflation	inflation	NOUN
fsr-3226	118	25	,	,	PUNCT
fsr-3226	118	26	bond	bond	NOUN
fsr-3226	118	27	pricing	pricing	NOUN
fsr-3226	118	28	,	,	PUNCT
fsr-3226	118	29	and	and	CCONJ
fsr-3226	118	30	mortgages	mortgage	NOUN
fsr-3226	118	31	.	.	PUNCT
fsr-3226	119	1	more	more	ADV
fsr-3226	119	2	important	important	ADJ
fsr-3226	119	3	,	,	PUNCT
fsr-3226	119	4	a	a	DET
fsr-3226	119	5	“	"	PUNCT
fsr-3226	119	6	do	do	AUX
fsr-3226	119	7	n’t	not	PART
fsr-3226	119	8	know	know	VERB
fsr-3226	119	9	”	"	PUNCT
fsr-3226	119	10	response	response	NOUN
fsr-3226	119	11	option	option	NOUN
fsr-3226	119	12	is	be	AUX
fsr-3226	119	13	included	include	VERB
fsr-3226	119	14	to	to	PART
fsr-3226	119	15	limit	limit	VERB
fsr-3226	119	16	the	the	DET
fsr-3226	119	17	occurrence	occurrence	NOUN
fsr-3226	119	18	of	of	ADP
fsr-3226	119	19	random	random	ADJ
fsr-3226	119	20	guessing	guessing	NOUN
fsr-3226	119	21	on	on	ADP
fsr-3226	119	22	each	each	DET
fsr-3226	119	23	question	question	NOUN
fsr-3226	119	24	.	.	PUNCT
fsr-3226	120	1	researchers	researcher	NOUN
fsr-3226	120	2	have	have	AUX
fsr-3226	120	3	used	use	VERB
fsr-3226	120	4	these	these	DET
fsr-3226	120	5	items	item	NOUN
fsr-3226	120	6	individually	individually	ADV
fsr-3226	120	7	(	(	PUNCT
fsr-3226	120	8	lusardi	lusardi	NOUN
fsr-3226	120	9	and	and	CCONJ
fsr-3226	120	10	scheresberg	scheresberg	ADV
fsr-3226	120	11	,	,	PUNCT
fsr-3226	120	12	2013	2013	NUM
fsr-3226	120	13	;	;	PUNCT
fsr-3226	120	14	seay	seay	PROPN
fsr-3226	120	15	et	et	PROPN
fsr-3226	120	16	al	al	PROPN
fsr-3226	120	17	.	.	PROPN
fsr-3226	120	18	,	,	PUNCT
fsr-3226	120	19	2015	2015	NUM
fsr-3226	120	20	)	)	PUNCT
fsr-3226	120	21	,	,	PUNCT
fsr-3226	120	22	to	to	PART
fsr-3226	120	23	create	create	VERB
fsr-3226	120	24	a	a	DET
fsr-3226	120	25	summative	summative	ADJ
fsr-3226	120	26	scale	scale	NOUN
fsr-3226	120	27	(	(	PUNCT
fsr-3226	120	28	collins	collin	NOUN
fsr-3226	120	29	,	,	PUNCT
fsr-3226	120	30	2012	2012	NUM
fsr-3226	120	31	;	;	PUNCT
fsr-3226	120	32	robb	robb	NOUN
fsr-3226	120	33	and	and	CCONJ
fsr-3226	120	34	woodyard	woodyard	PROPN
fsr-3226	120	35	,	,	PUNCT
fsr-3226	120	36	2011	2011	NUM
fsr-3226	120	37	;	;	PUNCT
fsr-3226	120	38	robb	robb	VERB
fsr-3226	120	39	et	et	PROPN
fsr-3226	120	40	al	al	PROPN
fsr-3226	120	41	.	.	PROPN
fsr-3226	120	42	,	,	PUNCT
fsr-3226	120	43	2012	2012	NUM
fsr-3226	120	44	)	)	PUNCT
fsr-3226	120	45	,	,	PUNCT
fsr-3226	120	46	and	and	CCONJ
fsr-3226	120	47	to	to	PART
fsr-3226	120	48	differentiate	differentiate	VERB
fsr-3226	120	49	individuals	individual	NOUN
fsr-3226	120	50	with	with	ADP
fsr-3226	120	51	high	high	ADJ
fsr-3226	120	52	and	and	CCONJ
fsr-3226	120	53	low	low	ADJ
fsr-3226	120	54	objective	objective	ADJ
fsr-3226	120	55	knowledge	knowledge	NOUN
fsr-3226	120	56	(	(	PUNCT
fsr-3226	120	57	allgood	allgood	NOUN
fsr-3226	120	58	and	and	CCONJ
fsr-3226	120	59	walstad	walstad	NOUN
fsr-3226	120	60	,	,	PUNCT
fsr-3226	120	61	2013	2013	NUM
fsr-3226	120	62	;	;	PUNCT
fsr-3226	120	63	robb	robb	VERB
fsr-3226	120	64	et	et	PROPN
fsr-3226	120	65	al	al	PROPN
fsr-3226	120	66	.	.	PROPN
fsr-3226	120	67	,	,	PUNCT
fsr-3226	120	68	2015	2015	NUM
fsr-3226	120	69	)	)	PUNCT
fsr-3226	120	70	.	.	PUNCT
fsr-3226	121	1	a	a	DET
fsr-3226	121	2	careful	careful	ADJ
fsr-3226	121	3	analysis	analysis	NOUN
fsr-3226	121	4	of	of	ADP
fsr-3226	121	5	the	the	DET
fsr-3226	121	6	questions	question	NOUN
fsr-3226	121	7	leads	lead	VERB
fsr-3226	121	8	us	we	PRON
fsr-3226	121	9	to	to	PART
fsr-3226	121	10	conclude	conclude	VERB
fsr-3226	121	11	that	that	SCONJ
fsr-3226	121	12	each	each	DET
fsr-3226	121	13	question	question	NOUN
fsr-3226	121	14	is	be	AUX
fsr-3226	121	15	measuring	measure	VERB
fsr-3226	121	16	a	a	DET
fsr-3226	121	17	different	different	ADJ
fsr-3226	121	18	aspect	aspect	NOUN
fsr-3226	121	19	of	of	ADP
fsr-3226	121	20	financial	financial	ADJ
fsr-3226	121	21	knowledge	knowledge	NOUN
fsr-3226	121	22	and	and	CCONJ
fsr-3226	121	23	should	should	AUX
fsr-3226	121	24	not	not	PART
fsr-3226	121	25	be	be	AUX
fsr-3226	121	26	used	use	VERB
fsr-3226	121	27	in	in	ADP
fsr-3226	121	28	a	a	DET
fsr-3226	121	29	manner	manner	NOUN
fsr-3226	121	30	that	that	PRON
fsr-3226	121	31	counts	count	VERB
fsr-3226	121	32	them	they	PRON
fsr-3226	121	33	as	as	ADP
fsr-3226	121	34	one	one	NUM
fsr-3226	121	35	measure	measure	NOUN
fsr-3226	121	36	.	.	PUNCT
fsr-3226	122	1	336	336	NUM
fsr-3226	122	2	m.c	m.c	PROPN
fsr-3226	122	3	.	.	PROPN
fsr-3226	122	4	seay	seay	PROPN
fsr-3226	122	5	et	et	PROPN
fsr-3226	122	6	al	al	PROPN
fsr-3226	122	7	.	.	PUNCT
fsr-3226	122	8	/	/	SYM
fsr-3226	122	9	financial	financial	ADJ
fsr-3226	122	10	services	service	NOUN
fsr-3226	122	11	review	review	VERB
fsr-3226	122	12	25	25	NUM
fsr-3226	122	13	(	(	PUNCT
fsr-3226	122	14	2016	2016	NUM
fsr-3226	122	15	)	)	PUNCT
fsr-3226	123	1	331–350	331–350	NUM
fsr-3226	123	2	using	use	VERB
fsr-3226	123	3	factor	factor	NOUN
fsr-3226	123	4	analysis	analysis	NOUN
fsr-3226	123	5	,	,	PUNCT
fsr-3226	123	6	we	we	PRON
fsr-3226	123	7	find	find	VERB
fsr-3226	123	8	the	the	DET
fsr-3226	123	9	individuals	individual	NOUN
fsr-3226	123	10	items	item	NOUN
fsr-3226	123	11	have	have	VERB
fsr-3226	123	12	low	low	ADJ
fsr-3226	123	13	reliability	reliability	NOUN
fsr-3226	123	14	(	(	PUNCT
fsr-3226	123	15	�	�	PROPN
fsr-3226	123	16	�	�	PROPN
fsr-3226	123	17	0.37	0.37	NUM
fsr-3226	123	18	)	)	PUNCT
fsr-3226	123	19	,	,	PUNCT
fsr-3226	123	20	supporting	support	VERB
fsr-3226	123	21	the	the	DET
fsr-3226	123	22	notion	notion	NOUN
fsr-3226	123	23	that	that	SCONJ
fsr-3226	123	24	these	these	DET
fsr-3226	123	25	questions	question	NOUN
fsr-3226	123	26	should	should	AUX
fsr-3226	123	27	be	be	AUX
fsr-3226	123	28	used	use	VERB
fsr-3226	123	29	as	as	ADP
fsr-3226	123	30	separate	separate	ADJ
fsr-3226	123	31	measures	measure	NOUN
fsr-3226	123	32	.	.	PUNCT
fsr-3226	124	1	3.3.2	3.3.2	X
fsr-3226	124	2	.	.	PUNCT
fsr-3226	124	3	financial	financial	ADJ
fsr-3226	124	4	confidence	confidence	NOUN
fsr-3226	124	5	three	three	NUM
fsr-3226	124	6	different	different	ADJ
fsr-3226	124	7	measures	measure	NOUN
fsr-3226	124	8	are	be	AUX
fsr-3226	124	9	used	use	VERB
fsr-3226	124	10	to	to	PART
fsr-3226	124	11	measure	measure	VERB
fsr-3226	124	12	confidence	confidence	NOUN
fsr-3226	124	13	:	:	PUNCT
fsr-3226	124	14	subjective	subjective	ADJ
fsr-3226	124	15	financial	financial	ADJ
fsr-3226	124	16	knowledge	knowledge	NOUN
fsr-3226	124	17	,	,	PUNCT
fsr-3226	124	18	confidence	confidence	NOUN
fsr-3226	124	19	in	in	ADP
fsr-3226	124	20	ability	ability	NOUN
fsr-3226	124	21	to	to	PART
fsr-3226	124	22	manage	manage	VERB
fsr-3226	124	23	day	day	NOUN
fsr-3226	124	24	-	-	PUNCT
fsr-3226	124	25	to	to	ADP
fsr-3226	124	26	-	-	PUNCT
fsr-3226	124	27	day	day	NOUN
fsr-3226	124	28	financial	financial	ADJ
fsr-3226	124	29	matters	matter	NOUN
fsr-3226	124	30	,	,	PUNCT
fsr-3226	124	31	and	and	CCONJ
fsr-3226	124	32	rotter	rotter	NOUN
fsr-3226	124	33	locus	locus	NOUN
fsr-3226	124	34	of	of	ADP
fsr-3226	124	35	control	control	NOUN
fsr-3226	124	36	.	.	PUNCT
fsr-3226	125	1	subjective	subjective	ADJ
fsr-3226	125	2	financial	financial	ADJ
fsr-3226	125	3	knowledge	knowledge	NOUN
fsr-3226	125	4	is	be	AUX
fsr-3226	125	5	measured	measure	VERB
fsr-3226	125	6	based	base	VERB
fsr-3226	125	7	on	on	ADP
fsr-3226	125	8	a	a	DET
fsr-3226	125	9	question	question	NOUN
fsr-3226	125	10	asking	ask	VERB
fsr-3226	125	11	respondents	respondent	NOUN
fsr-3226	125	12	to	to	PART
fsr-3226	125	13	rate	rate	VERB
fsr-3226	125	14	their	their	PRON
fsr-3226	125	15	overall	overall	ADJ
fsr-3226	125	16	financial	financial	ADJ
fsr-3226	125	17	knowledge	knowledge	NOUN
fsr-3226	125	18	on	on	ADP
fsr-3226	125	19	a	a	DET
fsr-3226	125	20	scale	scale	NOUN
fsr-3226	125	21	from	from	ADP
fsr-3226	125	22	1	1	NUM
fsr-3226	125	23	to	to	PART
fsr-3226	125	24	7	7	NUM
fsr-3226	125	25	.	.	PUNCT
fsr-3226	126	1	similarly	similarly	ADV
fsr-3226	126	2	,	,	PUNCT
fsr-3226	126	3	individuals	individual	NOUN
fsr-3226	126	4	are	be	AUX
fsr-3226	126	5	asked	ask	VERB
fsr-3226	126	6	to	to	PART
fsr-3226	126	7	identify	identify	VERB
fsr-3226	126	8	,	,	PUNCT
fsr-3226	126	9	on	on	ADP
fsr-3226	126	10	a	a	DET
fsr-3226	126	11	scale	scale	NOUN
fsr-3226	126	12	from	from	ADP
fsr-3226	126	13	1	1	NUM
fsr-3226	126	14	to	to	ADP
fsr-3226	126	15	7	7	NUM
fsr-3226	126	16	,	,	PUNCT
fsr-3226	126	17	how	how	SCONJ
fsr-3226	126	18	much	much	ADV
fsr-3226	126	19	they	they	PRON
fsr-3226	126	20	agreed	agree	VERB
fsr-3226	126	21	with	with	ADP
fsr-3226	126	22	the	the	DET
fsr-3226	126	23	statement	statement	NOUN
fsr-3226	126	24	“	"	PUNCT
fsr-3226	126	25	i	i	PRON
fsr-3226	126	26	am	be	AUX
fsr-3226	126	27	good	good	ADJ
fsr-3226	126	28	at	at	ADP
fsr-3226	126	29	dealing	deal	VERB
fsr-3226	126	30	with	with	ADP
fsr-3226	126	31	day	day	NOUN
fsr-3226	126	32	-	-	PUNCT
fsr-3226	126	33	to	to	ADP
fsr-3226	126	34	-	-	PUNCT
fsr-3226	126	35	day	day	NOUN
fsr-3226	126	36	financial	financial	ADJ
fsr-3226	126	37	matters	matter	NOUN
fsr-3226	126	38	,	,	PUNCT
fsr-3226	126	39	such	such	ADJ
fsr-3226	126	40	as	as	ADP
fsr-3226	126	41	checking	check	VERB
fsr-3226	126	42	accounts	account	NOUN
fsr-3226	126	43	,	,	PUNCT
fsr-3226	126	44	credit	credit	NOUN
fsr-3226	126	45	and	and	CCONJ
fsr-3226	126	46	debit	debit	NOUN
fsr-3226	126	47	cards	card	NOUN
fsr-3226	126	48	,	,	PUNCT
fsr-3226	126	49	and	and	CCONJ
fsr-3226	126	50	tracking	tracking	NOUN
fsr-3226	126	51	expenses	expense	NOUN
fsr-3226	126	52	.	.	PUNCT
fsr-3226	126	53	”	"	PUNCT
fsr-3226	127	1	for	for	ADP
fsr-3226	127	2	both	both	PRON
fsr-3226	127	3	of	of	ADP
fsr-3226	127	4	these	these	DET
fsr-3226	127	5	questions	question	NOUN
fsr-3226	127	6	,	,	PUNCT
fsr-3226	127	7	which	which	PRON
fsr-3226	127	8	are	be	AUX
fsr-3226	127	9	measured	measure	VERB
fsr-3226	127	10	in	in	ADP
fsr-3226	127	11	2012	2012	NUM
fsr-3226	127	12	,	,	PUNCT
fsr-3226	127	13	higher	high	ADJ
fsr-3226	127	14	scores	score	NOUN
fsr-3226	127	15	are	be	AUX
fsr-3226	127	16	associated	associate	VERB
fsr-3226	127	17	with	with	ADP
fsr-3226	127	18	increased	increase	VERB
fsr-3226	127	19	confidence	confidence	NOUN
fsr-3226	127	20	levels	level	NOUN
fsr-3226	127	21	in	in	ADP
fsr-3226	127	22	financial	financial	ADJ
fsr-3226	127	23	knowledge	knowledge	NOUN
fsr-3226	127	24	and	and	CCONJ
fsr-3226	127	25	ability	ability	NOUN
fsr-3226	127	26	to	to	PART
fsr-3226	127	27	manage	manage	VERB
fsr-3226	127	28	finances	finance	NOUN
fsr-3226	127	29	.	.	PUNCT
fsr-3226	128	1	lastly	lastly	ADV
fsr-3226	128	2	,	,	PUNCT
fsr-3226	128	3	the	the	DET
fsr-3226	128	4	rotter	rotter	NOUN
fsr-3226	128	5	locus	locus	NOUN
fsr-3226	128	6	of	of	ADP
fsr-3226	128	7	control	control	NOUN
fsr-3226	128	8	scale	scale	NOUN
fsr-3226	128	9	(	(	PUNCT
fsr-3226	128	10	rotter	rotter	NOUN
fsr-3226	128	11	,	,	PUNCT
fsr-3226	128	12	1966	1966	NUM
fsr-3226	128	13	)	)	PUNCT
fsr-3226	128	14	is	be	AUX
fsr-3226	128	15	used	use	VERB
fsr-3226	128	16	to	to	PART
fsr-3226	128	17	measure	measure	VERB
fsr-3226	128	18	the	the	DET
fsr-3226	128	19	extent	extent	NOUN
fsr-3226	128	20	to	to	PART
fsr-3226	128	21	which	which	PRON
fsr-3226	128	22	an	an	DET
fsr-3226	128	23	individual	individual	NOUN
fsr-3226	128	24	believes	believe	VERB
fsr-3226	128	25	they	they	PRON
fsr-3226	128	26	are	be	AUX
fsr-3226	128	27	in	in	ADP
fsr-3226	128	28	control	control	NOUN
fsr-3226	128	29	of	of	ADP
fsr-3226	128	30	their	their	PRON
fsr-3226	128	31	lives	life	NOUN
fsr-3226	128	32	.	.	PUNCT
fsr-3226	129	1	scores	score	NOUN
fsr-3226	129	2	range	range	VERB
fsr-3226	129	3	from	from	ADP
fsr-3226	129	4	4	4	NUM
fsr-3226	129	5	to	to	PART
fsr-3226	129	6	16	16	NUM
fsr-3226	129	7	and	and	CCONJ
fsr-3226	129	8	have	have	AUX
fsr-3226	129	9	been	be	AUX
fsr-3226	129	10	coded	code	VERB
fsr-3226	129	11	such	such	ADJ
fsr-3226	129	12	that	that	SCONJ
fsr-3226	129	13	higher	high	ADJ
fsr-3226	129	14	scores	score	NOUN
fsr-3226	129	15	signify	signify	VERB
fsr-3226	129	16	a	a	DET
fsr-3226	129	17	high	high	ADJ
fsr-3226	129	18	internal	internal	ADJ
fsr-3226	129	19	locus	locus	NOUN
fsr-3226	129	20	of	of	ADP
fsr-3226	129	21	control	control	NOUN
fsr-3226	129	22	,	,	PUNCT
fsr-3226	129	23	indicative	indicative	ADJ
fsr-3226	129	24	of	of	ADP
fsr-3226	129	25	higher	high	ADJ
fsr-3226	129	26	self	self	NOUN
fsr-3226	129	27	-	-	PUNCT
fsr-3226	129	28	determination	determination	NOUN
fsr-3226	129	29	in	in	ADP
fsr-3226	129	30	accomplishing	accomplish	VERB
fsr-3226	129	31	tasks	task	NOUN
fsr-3226	129	32	.	.	PUNCT
fsr-3226	130	1	individuals	individual	NOUN
fsr-3226	130	2	with	with	ADP
fsr-3226	130	3	a	a	DET
fsr-3226	130	4	high	high	ADJ
fsr-3226	130	5	internal	internal	ADJ
fsr-3226	130	6	locus	locus	NOUN
fsr-3226	130	7	of	of	ADP
fsr-3226	130	8	control	control	NOUN
fsr-3226	130	9	may	may	AUX
fsr-3226	130	10	believe	believe	VERB
fsr-3226	130	11	in	in	ADP
fsr-3226	130	12	their	their	PRON
fsr-3226	130	13	ability	ability	NOUN
fsr-3226	130	14	to	to	PART
fsr-3226	130	15	change	change	VERB
fsr-3226	130	16	their	their	PRON
fsr-3226	130	17	situation	situation	NOUN
fsr-3226	130	18	and	and	CCONJ
fsr-3226	130	19	make	make	VERB
fsr-3226	130	20	them	they	PRON
fsr-3226	130	21	more	more	ADV
fsr-3226	130	22	confident	confident	ADJ
fsr-3226	130	23	to	to	PART
fsr-3226	130	24	seek	seek	VERB
fsr-3226	130	25	information	information	NOUN
fsr-3226	130	26	that	that	PRON
fsr-3226	130	27	will	will	AUX
fsr-3226	130	28	help	help	VERB
fsr-3226	130	29	them	they	PRON
fsr-3226	130	30	in	in	ADP
fsr-3226	130	31	their	their	PRON
fsr-3226	130	32	situation	situation	NOUN
fsr-3226	130	33	(	(	PUNCT
fsr-3226	130	34	rotter	rotter	NOUN
fsr-3226	130	35	,	,	PUNCT
fsr-3226	130	36	1990	1990	NUM
fsr-3226	130	37	)	)	PUNCT
fsr-3226	130	38	.	.	PUNCT
fsr-3226	131	1	3.3.3	3.3.3	X
fsr-3226	131	2	.	.	PUNCT
fsr-3226	131	3	financial	financial	ADJ
fsr-3226	131	4	capability	capability	NOUN
fsr-3226	131	5	an	an	DET
fsr-3226	131	6	individual	individual	NOUN
fsr-3226	131	7	’s	’s	PART
fsr-3226	131	8	capability	capability	NOUN
fsr-3226	131	9	to	to	PART
fsr-3226	131	10	apply	apply	VERB
fsr-3226	131	11	knowledge	knowledge	NOUN
fsr-3226	131	12	is	be	AUX
fsr-3226	131	13	proxied	proxie	VERB
fsr-3226	131	14	using	use	VERB
fsr-3226	131	15	the	the	DET
fsr-3226	131	16	armed	armed	ADJ
fsr-3226	131	17	forces	force	NOUN
fsr-3226	131	18	qualification	qualification	NOUN
fsr-3226	131	19	test	test	NOUN
fsr-3226	131	20	(	(	PUNCT
fsr-3226	131	21	afqt	afqt	NOUN
fsr-3226	131	22	)	)	PUNCT
fsr-3226	131	23	.	.	PUNCT
fsr-3226	132	1	the	the	DET
fsr-3226	132	2	afqt	afqt	NOUN
fsr-3226	132	3	is	be	AUX
fsr-3226	132	4	commonly	commonly	ADV
fsr-3226	132	5	used	use	VERB
fsr-3226	132	6	as	as	ADP
fsr-3226	132	7	a	a	DET
fsr-3226	132	8	general	general	ADJ
fsr-3226	132	9	measure	measure	NOUN
fsr-3226	132	10	of	of	ADP
fsr-3226	132	11	individual	individual	NOUN
fsr-3226	132	12	’s	’s	PART
fsr-3226	132	13	cognitive	cognitive	ADJ
fsr-3226	132	14	ability	ability	NOUN
fsr-3226	132	15	.	.	PUNCT
fsr-3226	133	1	originally	originally	ADV
fsr-3226	133	2	assessed	assess	VERB
fsr-3226	133	3	in	in	ADP
fsr-3226	133	4	1980	1980	NUM
fsr-3226	133	5	,	,	PUNCT
fsr-3226	133	6	raw	raw	ADJ
fsr-3226	133	7	scores	score	NOUN
fsr-3226	133	8	were	be	AUX
fsr-3226	133	9	converted	convert	VERB
fsr-3226	133	10	to	to	ADP
fsr-3226	133	11	percentile	percentile	ADJ
fsr-3226	133	12	scores	score	NOUN
fsr-3226	133	13	and	and	CCONJ
fsr-3226	133	14	normed	norme	VERB
fsr-3226	133	15	in	in	ADP
fsr-3226	133	16	2006	2006	NUM
fsr-3226	133	17	to	to	PART
fsr-3226	133	18	reflect	reflect	VERB
fsr-3226	133	19	updated	update	VERB
fsr-3226	133	20	standards	standard	NOUN
fsr-3226	133	21	.	.	PUNCT
fsr-3226	134	1	3.4	3.4	NUM
fsr-3226	134	2	.	.	PUNCT
fsr-3226	135	1	control	control	NOUN
fsr-3226	135	2	variables	variable	NOUN
fsr-3226	135	3	in	in	ADP
fsr-3226	135	4	addition	addition	NOUN
fsr-3226	135	5	to	to	ADP
fsr-3226	135	6	financial	financial	ADJ
fsr-3226	135	7	literacy	literacy	NOUN
fsr-3226	135	8	variables	variable	NOUN
fsr-3226	135	9	,	,	PUNCT
fsr-3226	135	10	control	control	NOUN
fsr-3226	135	11	variables	variable	NOUN
fsr-3226	135	12	include	include	VERB
fsr-3226	135	13	age	age	NOUN
fsr-3226	135	14	,	,	PUNCT
fsr-3226	135	15	race	race	NOUN
fsr-3226	135	16	(	(	PUNCT
fsr-3226	135	17	white	white	ADJ
fsr-3226	135	18	,	,	PUNCT
fsr-3226	135	19	black	black	ADJ
fsr-3226	135	20	,	,	PUNCT
fsr-3226	135	21	or	or	CCONJ
fsr-3226	135	22	hispanic	hispanic	ADJ
fsr-3226	135	23	)	)	PUNCT
fsr-3226	135	24	,	,	PUNCT
fsr-3226	135	25	gender	gender	NOUN
fsr-3226	135	26	(	(	PUNCT
fsr-3226	135	27	male	male	NOUN
fsr-3226	135	28	/	/	SYM
fsr-3226	135	29	female	female	NOUN
fsr-3226	135	30	)	)	PUNCT
fsr-3226	135	31	,	,	PUNCT
fsr-3226	135	32	married	marry	VERB
fsr-3226	135	33	(	(	PUNCT
fsr-3226	135	34	yes	yes	INTJ
fsr-3226	135	35	/	/	SYM
fsr-3226	135	36	no	no	NOUN
fsr-3226	135	37	)	)	PUNCT
fsr-3226	135	38	,	,	PUNCT
fsr-3226	135	39	education	education	NOUN
fsr-3226	135	40	(	(	PUNCT
fsr-3226	135	41	less	less	ADJ
fsr-3226	135	42	than	than	ADP
fsr-3226	135	43	high	high	ADJ
fsr-3226	135	44	school	school	NOUN
fsr-3226	135	45	,	,	PUNCT
fsr-3226	135	46	high	high	ADJ
fsr-3226	135	47	school	school	NOUN
fsr-3226	135	48	education	education	NOUN
fsr-3226	135	49	,	,	PUNCT
fsr-3226	135	50	some	some	DET
fsr-3226	135	51	college	college	NOUN
fsr-3226	135	52	,	,	PUNCT
fsr-3226	135	53	or	or	CCONJ
fsr-3226	135	54	college	college	NOUN
fsr-3226	135	55	degree	degree	NOUN
fsr-3226	135	56	)	)	PUNCT
fsr-3226	135	57	,	,	PUNCT
fsr-3226	135	58	urban	urban	ADJ
fsr-3226	135	59	area	area	NOUN
fsr-3226	135	60	(	(	PUNCT
fsr-3226	135	61	yes	yes	INTJ
fsr-3226	135	62	/	/	SYM
fsr-3226	135	63	no	no	NOUN
fsr-3226	135	64	)	)	PUNCT
fsr-3226	135	65	,	,	PUNCT
fsr-3226	135	66	employment	employment	NOUN
fsr-3226	135	67	status	status	NOUN
fsr-3226	135	68	(	(	PUNCT
fsr-3226	135	69	unemployed	unemployed	ADJ
fsr-3226	135	70	,	,	PUNCT
fsr-3226	135	71	employed	employ	VERB
fsr-3226	135	72	,	,	PUNCT
fsr-3226	135	73	unable	unable	ADJ
fsr-3226	135	74	to	to	PART
fsr-3226	135	75	work	work	VERB
fsr-3226	135	76	,	,	PUNCT
fsr-3226	135	77	or	or	CCONJ
fsr-3226	135	78	work	work	NOUN
fsr-3226	135	79	/	/	SYM
fsr-3226	135	80	other	other	ADJ
fsr-3226	135	81	)	)	PUNCT
fsr-3226	135	82	,	,	PUNCT
fsr-3226	135	83	health	health	NOUN
fsr-3226	135	84	insurance	insurance	NOUN
fsr-3226	135	85	(	(	PUNCT
fsr-3226	135	86	yes	yes	INTJ
fsr-3226	135	87	/	/	SYM
fsr-3226	135	88	no	no	NOUN
fsr-3226	135	89	)	)	PUNCT
fsr-3226	135	90	,	,	PUNCT
fsr-3226	135	91	chronic	chronic	ADJ
fsr-3226	135	92	health	health	NOUN
fsr-3226	135	93	issue	issue	NOUN
fsr-3226	135	94	in	in	ADP
fsr-3226	135	95	household	household	NOUN
fsr-3226	135	96	(	(	PUNCT
fsr-3226	135	97	yes	yes	INTJ
fsr-3226	135	98	/	/	SYM
fsr-3226	135	99	no	no	NOUN
fsr-3226	135	100	)	)	PUNCT
fsr-3226	135	101	,	,	PUNCT
fsr-3226	135	102	log	log	NOUN
fsr-3226	135	103	of	of	ADP
fsr-3226	135	104	income	income	NOUN
fsr-3226	135	105	,	,	PUNCT
fsr-3226	135	106	log	log	NOUN
fsr-3226	135	107	of	of	ADP
fsr-3226	135	108	net	net	ADJ
fsr-3226	135	109	worth	worth	NOUN
fsr-3226	135	110	,	,	PUNCT
fsr-3226	135	111	log	log	NOUN
fsr-3226	135	112	of	of	ADP
fsr-3226	135	113	retirement	retirement	NOUN
fsr-3226	135	114	account	account	PROPN
fsr-3226	135	115	balance	balance	NOUN
fsr-3226	135	116	,	,	PUNCT
fsr-3226	135	117	participation	participation	NOUN
fsr-3226	135	118	in	in	ADP
fsr-3226	135	119	a	a	DET
fsr-3226	135	120	defined	define	VERB
fsr-3226	135	121	benefit	benefit	NOUN
fsr-3226	135	122	retirement	retirement	NOUN
fsr-3226	135	123	plan	plan	NOUN
fsr-3226	135	124	,	,	PUNCT
fsr-3226	135	125	stock	stock	NOUN
fsr-3226	135	126	ownership	ownership	NOUN
fsr-3226	135	127	(	(	PUNCT
fsr-3226	135	128	yes	yes	INTJ
fsr-3226	135	129	/	/	SYM
fsr-3226	135	130	no	no	NOUN
fsr-3226	135	131	)	)	PUNCT
fsr-3226	135	132	,	,	PUNCT
fsr-3226	135	133	home	home	NOUN
fsr-3226	135	134	ownership	ownership	NOUN
fsr-3226	135	135	(	(	PUNCT
fsr-3226	135	136	yes	yes	INTJ
fsr-3226	135	137	/	/	SYM
fsr-3226	135	138	no	no	NOUN
fsr-3226	135	139	)	)	PUNCT
fsr-3226	135	140	,	,	PUNCT
fsr-3226	135	141	risk	risk	NOUN
fsr-3226	135	142	tolerance	tolerance	NOUN
fsr-3226	135	143	,	,	PUNCT
fsr-3226	135	144	and	and	CCONJ
fsr-3226	135	145	trust	trust	NOUN
fsr-3226	135	146	.	.	PUNCT
fsr-3226	136	1	risk	risk	NOUN
fsr-3226	136	2	tolerance	tolerance	NOUN
fsr-3226	136	3	is	be	AUX
fsr-3226	136	4	measured	measure	VERB
fsr-3226	136	5	on	on	ADP
fsr-3226	136	6	scale	scale	NOUN
fsr-3226	136	7	from	from	ADP
fsr-3226	136	8	one	one	NUM
fsr-3226	136	9	to	to	ADP
fsr-3226	136	10	10	10	NUM
fsr-3226	136	11	,	,	PUNCT
fsr-3226	136	12	with	with	ADP
fsr-3226	136	13	higher	high	ADJ
fsr-3226	136	14	scores	score	NOUN
fsr-3226	136	15	being	be	AUX
fsr-3226	136	16	associated	associate	VERB
fsr-3226	136	17	with	with	ADP
fsr-3226	136	18	an	an	DET
fsr-3226	136	19	increased	increase	VERB
fsr-3226	136	20	willingness	willingness	NOUN
fsr-3226	136	21	to	to	PART
fsr-3226	136	22	take	take	VERB
fsr-3226	136	23	risks	risk	NOUN
fsr-3226	136	24	in	in	ADP
fsr-3226	136	25	financial	financial	ADJ
fsr-3226	136	26	matters	matter	NOUN
fsr-3226	136	27	.	.	PUNCT
fsr-3226	137	1	trust	trust	NOUN
fsr-3226	137	2	is	be	AUX
fsr-3226	137	3	measured	measure	VERB
fsr-3226	137	4	on	on	ADP
fsr-3226	137	5	a	a	DET
fsr-3226	137	6	scale	scale	NOUN
fsr-3226	137	7	from	from	ADP
fsr-3226	137	8	1	1	NUM
fsr-3226	137	9	to	to	ADP
fsr-3226	137	10	5	5	NUM
fsr-3226	137	11	,	,	PUNCT
fsr-3226	137	12	with	with	ADP
fsr-3226	137	13	higher	high	ADJ
fsr-3226	137	14	scores	score	NOUN
fsr-3226	137	15	indicating	indicate	VERB
fsr-3226	137	16	that	that	SCONJ
fsr-3226	137	17	an	an	DET
fsr-3226	137	18	individual	individual	NOUN
fsr-3226	137	19	is	be	AUX
fsr-3226	137	20	more	more	ADV
fsr-3226	137	21	trusting	trusting	ADJ
fsr-3226	137	22	of	of	ADP
fsr-3226	137	23	other	other	ADJ
fsr-3226	137	24	people	people	NOUN
fsr-3226	137	25	.	.	PUNCT
fsr-3226	138	1	a	a	DET
fsr-3226	138	2	full	full	ADJ
fsr-3226	138	3	table	table	NOUN
fsr-3226	138	4	of	of	ADP
fsr-3226	138	5	measures	measure	NOUN
fsr-3226	138	6	can	can	AUX
fsr-3226	138	7	be	be	AUX
fsr-3226	138	8	found	find	VERB
fsr-3226	138	9	in	in	ADP
fsr-3226	138	10	the	the	DET
fsr-3226	138	11	appendix	appendix	NOUN
fsr-3226	138	12	.	.	PUNCT
fsr-3226	139	1	3.5	3.5	NUM
fsr-3226	139	2	.	.	PUNCT
fsr-3226	140	1	research	research	NOUN
fsr-3226	140	2	hypothesis	hypothesis	NOUN
fsr-3226	140	3	based	base	VERB
fsr-3226	140	4	on	on	ADP
fsr-3226	140	5	previous	previous	ADJ
fsr-3226	140	6	research	research	NOUN
fsr-3226	140	7	indicating	indicate	VERB
fsr-3226	140	8	that	that	SCONJ
fsr-3226	140	9	seeking	seek	VERB
fsr-3226	140	10	financial	financial	ADJ
fsr-3226	140	11	advice	advice	NOUN
fsr-3226	140	12	is	be	AUX
fsr-3226	140	13	a	a	DET
fsr-3226	140	14	complement	complement	NOUN
fsr-3226	140	15	for	for	ADP
fsr-3226	140	16	financial	financial	ADJ
fsr-3226	140	17	literacy	literacy	NOUN
fsr-3226	140	18	(	(	PUNCT
fsr-3226	140	19	collins	collin	NOUN
fsr-3226	140	20	,	,	PUNCT
fsr-3226	140	21	2012	2012	NUM
fsr-3226	140	22	;	;	PUNCT
fsr-3226	140	23	robb	robb	VERB
fsr-3226	140	24	et	et	PROPN
fsr-3226	140	25	al	al	PROPN
fsr-3226	140	26	.	.	PROPN
fsr-3226	140	27	,	,	PUNCT
fsr-3226	140	28	2012	2012	NUM
fsr-3226	140	29	)	)	PUNCT
fsr-3226	140	30	,	,	PUNCT
fsr-3226	140	31	three	three	NUM
fsr-3226	140	32	research	research	NOUN
fsr-3226	140	33	hypotheses	hypothesis	NOUN
fsr-3226	140	34	are	be	AUX
fsr-3226	140	35	proposed	propose	VERB
fsr-3226	140	36	:	:	PUNCT
fsr-3226	140	37	337m.c	337m.c	NUM
fsr-3226	140	38	.	.	PUNCT
fsr-3226	141	1	seay	seay	PROPN
fsr-3226	141	2	et	et	PROPN
fsr-3226	141	3	al	al	PROPN
fsr-3226	141	4	.	.	PUNCT
fsr-3226	141	5	/	/	SYM
fsr-3226	141	6	financial	financial	ADJ
fsr-3226	141	7	services	service	NOUN
fsr-3226	141	8	review	review	VERB
fsr-3226	141	9	25	25	NUM
fsr-3226	141	10	(	(	PUNCT
fsr-3226	141	11	2016	2016	NUM
fsr-3226	141	12	)	)	PUNCT
fsr-3226	142	1	331–350	331–350	NUM
fsr-3226	142	2	hypothesis	hypothesis	NOUN
fsr-3226	142	3	1	1	NUM
fsr-3226	142	4	:	:	PUNCT
fsr-3226	142	5	the	the	DET
fsr-3226	142	6	components	component	NOUN
fsr-3226	142	7	of	of	ADP
fsr-3226	142	8	financial	financial	ADJ
fsr-3226	142	9	literacy	literacy	NOUN
fsr-3226	142	10	are	be	AUX
fsr-3226	142	11	positively	positively	ADV
fsr-3226	142	12	associated	associate	VERB
fsr-3226	142	13	with	with	ADP
fsr-3226	142	14	the	the	DET
fsr-3226	142	15	use	use	NOUN
fsr-3226	142	16	of	of	ADP
fsr-3226	142	17	a	a	DET
fsr-3226	142	18	financial	financial	ADJ
fsr-3226	142	19	planner	planner	NOUN
fsr-3226	142	20	.	.	PUNCT
fsr-3226	143	1	hypothesis	hypothesis	NOUN
fsr-3226	143	2	2	2	NUM
fsr-3226	143	3	:	:	PUNCT
fsr-3226	143	4	the	the	DET
fsr-3226	143	5	components	component	NOUN
fsr-3226	143	6	of	of	ADP
fsr-3226	143	7	financial	financial	ADJ
fsr-3226	143	8	literacy	literacy	NOUN
fsr-3226	143	9	are	be	AUX
fsr-3226	143	10	positively	positively	ADV
fsr-3226	143	11	associated	associate	VERB
fsr-3226	143	12	with	with	ADP
fsr-3226	143	13	adopting	adopt	VERB
fsr-3226	143	14	a	a	DET
fsr-3226	143	15	financial	financial	ADJ
fsr-3226	143	16	planner	planner	NOUN
fsr-3226	143	17	when	when	SCONJ
fsr-3226	143	18	compared	compare	VERB
fsr-3226	143	19	to	to	ADP
fsr-3226	143	20	those	those	PRON
fsr-3226	143	21	who	who	PRON
fsr-3226	143	22	never	never	ADV
fsr-3226	143	23	had	have	VERB
fsr-3226	143	24	a	a	DET
fsr-3226	143	25	financial	financial	ADJ
fsr-3226	143	26	planner	planner	NOUN
fsr-3226	143	27	.	.	PUNCT
fsr-3226	144	1	hypothesis	hypothesis	NOUN
fsr-3226	144	2	3	3	NUM
fsr-3226	144	3	:	:	PUNCT
fsr-3226	144	4	the	the	DET
fsr-3226	144	5	components	component	NOUN
fsr-3226	144	6	of	of	ADP
fsr-3226	144	7	financial	financial	ADJ
fsr-3226	144	8	literacy	literacy	NOUN
fsr-3226	144	9	are	be	AUX
fsr-3226	144	10	negatively	negatively	ADV
fsr-3226	144	11	associated	associate	VERB
fsr-3226	144	12	with	with	ADP
fsr-3226	144	13	dropping	drop	VERB
fsr-3226	144	14	a	a	DET
fsr-3226	144	15	financial	financial	ADJ
fsr-3226	144	16	planner	planner	NOUN
fsr-3226	144	17	when	when	SCONJ
fsr-3226	144	18	compared	compare	VERB
fsr-3226	144	19	to	to	ADP
fsr-3226	144	20	those	those	PRON
fsr-3226	144	21	who	who	PRON
fsr-3226	144	22	had	have	VERB
fsr-3226	144	23	a	a	DET
fsr-3226	144	24	financial	financial	ADJ
fsr-3226	144	25	planner	planner	NOUN
fsr-3226	144	26	throughout	throughout	ADP
fsr-3226	144	27	.	.	PUNCT
fsr-3226	145	1	3.6	3.6	NUM
fsr-3226	145	2	.	.	PUNCT
fsr-3226	146	1	empirical	empirical	ADJ
fsr-3226	146	2	specification	specification	NOUN
fsr-3226	146	3	two	two	NUM
fsr-3226	146	4	regression	regression	NOUN
fsr-3226	146	5	models	model	NOUN
fsr-3226	146	6	are	be	AUX
fsr-3226	146	7	employed	employ	VERB
fsr-3226	146	8	to	to	PART
fsr-3226	146	9	test	test	VERB
fsr-3226	146	10	these	these	DET
fsr-3226	146	11	hypotheses	hypothesis	NOUN
fsr-3226	146	12	.	.	PUNCT
fsr-3226	147	1	to	to	PART
fsr-3226	147	2	test	test	VERB
fsr-3226	147	3	hypothesis	hypothesis	NOUN
fsr-3226	147	4	one	one	NUM
fsr-3226	147	5	,	,	PUNCT
fsr-3226	147	6	a	a	DET
fsr-3226	147	7	binomial	binomial	ADJ
fsr-3226	147	8	logistic	logistic	ADJ
fsr-3226	147	9	regression	regression	NOUN
fsr-3226	147	10	is	be	AUX
fsr-3226	147	11	conducted	conduct	VERB
fsr-3226	147	12	to	to	PART
fsr-3226	147	13	establish	establish	VERB
fsr-3226	147	14	a	a	DET
fsr-3226	147	15	baseline	baseline	ADJ
fsr-3226	147	16	relationship	relationship	NOUN
fsr-3226	147	17	between	between	ADP
fsr-3226	147	18	the	the	DET
fsr-3226	147	19	financial	financial	ADJ
fsr-3226	147	20	literacy	literacy	NOUN
fsr-3226	147	21	components	component	NOUN
fsr-3226	147	22	and	and	CCONJ
fsr-3226	147	23	the	the	DET
fsr-3226	147	24	use	use	NOUN
fsr-3226	147	25	of	of	ADP
fsr-3226	147	26	a	a	DET
fsr-3226	147	27	financial	financial	ADJ
fsr-3226	147	28	planner	planner	NOUN
fsr-3226	147	29	.	.	PUNCT
fsr-3226	148	1	given	give	VERB
fsr-3226	148	2	that	that	DET
fsr-3226	148	3	financial	financial	ADJ
fsr-3226	148	4	knowledge	knowledge	NOUN
fsr-3226	148	5	is	be	AUX
fsr-3226	148	6	measured	measure	VERB
fsr-3226	148	7	in	in	ADP
fsr-3226	148	8	2012	2012	NUM
fsr-3226	148	9	,	,	PUNCT
fsr-3226	148	10	the	the	DET
fsr-3226	148	11	dependent	dependent	ADJ
fsr-3226	148	12	variable	variable	NOUN
fsr-3226	148	13	for	for	ADP
fsr-3226	148	14	this	this	DET
fsr-3226	148	15	analysis	analysis	NOUN
fsr-3226	148	16	is	be	AUX
fsr-3226	148	17	financial	financial	ADJ
fsr-3226	148	18	planner	planner	NOUN
fsr-3226	148	19	use	use	NOUN
fsr-3226	148	20	in	in	ADP
fsr-3226	148	21	2012	2012	NUM
fsr-3226	148	22	.	.	PUNCT
fsr-3226	149	1	logit	logit	PROPN
fsr-3226	149	2	�	�	PROPN
fsr-3226	149	3	p	p	PROPN
fsr-3226	149	4	�	�	PROPN
fsr-3226	149	5	�	�	PROPN
fsr-3226	149	6	log	log	NOUN
fsr-3226	149	7	�	�	PROPN
fsr-3226	149	8	p	p	PROPN
fsr-3226	149	9	1	1	NUM
fsr-3226	149	10	�	�	PROPN
fsr-3226	149	11	p	p	PROPN
fsr-3226	149	12	�	�	PROPN
fsr-3226	149	13	�	�	PROPN
fsr-3226	149	14	�	�	PROPN
fsr-3226	149	15	0	0	PROPN
fsr-3226	149	16	�	�	PROPN
fsr-3226	149	17	x1	x1	PROPN
fsr-3226	149	18	�	�	PROPN
fsr-3226	149	19	1	1	NUM
fsr-3226	149	20	�	�	PROPN
fsr-3226	149	21	x2	x2	PROPN
fsr-3226	149	22	�	�	PROPN
fsr-3226	149	23	2	2	NUM
fsr-3226	149	24	�	�	PROPN
fsr-3226	149	25	�	�	PROPN
fsr-3226	149	26	�	�	PROPN
fsr-3226	149	27	�	�	PROPN
fsr-3226	149	28	�	�	PROPN
fsr-3226	149	29	xk	xk	PROPN
fsr-3226	149	30	�	�	PROPN
fsr-3226	149	31	k	k	PROPN
fsr-3226	149	32	�	�	PROPN
fsr-3226	149	33	x	x	PRON
fsr-3226	149	34	�	�	PROPN
fsr-3226	149	35	where	where	SCONJ
fsr-3226	149	36	p	p	PROPN
fsr-3226	149	37	�	�	PROPN
fsr-3226	149	38	probability	probability	NOUN
fsr-3226	149	39	of	of	ADP
fsr-3226	149	40	using	use	VERB
fsr-3226	149	41	a	a	DET
fsr-3226	149	42	financial	financial	ADJ
fsr-3226	149	43	planner	planner	NOUN
fsr-3226	149	44	in	in	ADP
fsr-3226	149	45	2012	2012	NUM
fsr-3226	149	46	x	x	SYM
fsr-3226	149	47	�	�	PROPN
fsr-3226	149	48	a	a	DET
fsr-3226	149	49	vector	vector	NOUN
fsr-3226	149	50	of	of	ADP
fsr-3226	149	51	a	a	DET
fsr-3226	149	52	household	household	NOUN
fsr-3226	149	53	’s	’s	PART
fsr-3226	149	54	financial	financial	ADJ
fsr-3226	149	55	literacy	literacy	NOUN
fsr-3226	149	56	variables	variable	NOUN
fsr-3226	149	57	and	and	CCONJ
fsr-3226	149	58	characteristics	characteristics	PROPN
fsr-3226	149	59	�	�	PROPN
fsr-3226	149	60	�	�	PROPN
fsr-3226	149	61	a	a	DET
fsr-3226	149	62	vector	vector	NOUN
fsr-3226	149	63	of	of	ADP
fsr-3226	149	64	coefficients	coefficient	NOUN
fsr-3226	149	65	to	to	PART
fsr-3226	149	66	be	be	AUX
fsr-3226	149	67	estimated	estimate	VERB
fsr-3226	149	68	to	to	PART
fsr-3226	149	69	investigate	investigate	VERB
fsr-3226	149	70	hypotheses	hypothesis	NOUN
fsr-3226	149	71	two	two	NUM
fsr-3226	149	72	and	and	CCONJ
fsr-3226	149	73	three	three	NUM
fsr-3226	149	74	,	,	PUNCT
fsr-3226	149	75	a	a	DET
fsr-3226	149	76	multinomial	multinomial	ADJ
fsr-3226	149	77	logit	logit	NOUN
fsr-3226	149	78	regression	regression	NOUN
fsr-3226	149	79	is	be	AUX
fsr-3226	149	80	utilized	utilize	VERB
fsr-3226	149	81	to	to	PART
fsr-3226	149	82	compare	compare	VERB
fsr-3226	149	83	four	four	NUM
fsr-3226	149	84	groups	group	NOUN
fsr-3226	149	85	based	base	VERB
fsr-3226	149	86	on	on	ADP
fsr-3226	149	87	financial	financial	ADJ
fsr-3226	149	88	planner	planner	NOUN
fsr-3226	149	89	use	use	NOUN
fsr-3226	149	90	across	across	ADP
fsr-3226	149	91	two	two	NUM
fsr-3226	149	92	time	time	NOUN
fsr-3226	149	93	periods	period	NOUN
fsr-3226	149	94	:	:	PUNCT
fsr-3226	149	95	(	(	PUNCT
fsr-3226	149	96	1	1	X
fsr-3226	149	97	)	)	PUNCT
fsr-3226	149	98	those	those	PRON
fsr-3226	149	99	who	who	PRON
fsr-3226	149	100	had	have	VERB
fsr-3226	149	101	a	a	DET
fsr-3226	149	102	financial	financial	ADJ
fsr-3226	149	103	planner	planner	NOUN
fsr-3226	149	104	in	in	ADP
fsr-3226	149	105	both	both	DET
fsr-3226	149	106	2010	2010	NUM
fsr-3226	149	107	and	and	CCONJ
fsr-3226	149	108	2012	2012	NUM
fsr-3226	149	109	(	(	PUNCT
fsr-3226	149	110	throughout	throughout	ADP
fsr-3226	149	111	)	)	PUNCT
fsr-3226	149	112	;	;	PUNCT
fsr-3226	149	113	(	(	PUNCT
fsr-3226	149	114	2	2	X
fsr-3226	149	115	)	)	PUNCT
fsr-3226	149	116	those	those	PRON
fsr-3226	149	117	who	who	PRON
fsr-3226	149	118	did	do	AUX
fsr-3226	149	119	not	not	PART
fsr-3226	149	120	have	have	VERB
fsr-3226	149	121	a	a	DET
fsr-3226	149	122	planner	planner	NOUN
fsr-3226	149	123	in	in	ADP
fsr-3226	149	124	2010	2010	NUM
fsr-3226	149	125	,	,	PUNCT
fsr-3226	149	126	but	but	CCONJ
fsr-3226	149	127	adopted	adopt	VERB
fsr-3226	149	128	one	one	NUM
fsr-3226	149	129	in	in	ADP
fsr-3226	149	130	2012	2012	NUM
fsr-3226	149	131	(	(	PUNCT
fsr-3226	149	132	adopted	adopt	VERB
fsr-3226	149	133	)	)	PUNCT
fsr-3226	149	134	;	;	PUNCT
fsr-3226	149	135	(	(	PUNCT
fsr-3226	149	136	3	3	X
fsr-3226	149	137	)	)	PUNCT
fsr-3226	149	138	those	those	PRON
fsr-3226	149	139	who	who	PRON
fsr-3226	149	140	had	have	VERB
fsr-3226	149	141	a	a	DET
fsr-3226	149	142	financial	financial	ADJ
fsr-3226	149	143	planner	planner	NOUN
fsr-3226	149	144	in	in	ADP
fsr-3226	149	145	2010	2010	NUM
fsr-3226	149	146	,	,	PUNCT
fsr-3226	149	147	but	but	CCONJ
fsr-3226	149	148	dropped	drop	VERB
fsr-3226	149	149	them	they	PRON
fsr-3226	149	150	in	in	ADP
fsr-3226	149	151	2012	2012	NUM
fsr-3226	149	152	(	(	PUNCT
fsr-3226	149	153	dropped	drop	VERB
fsr-3226	149	154	)	)	PUNCT
fsr-3226	149	155	;	;	PUNCT
fsr-3226	149	156	and	and	CCONJ
fsr-3226	149	157	(	(	PUNCT
fsr-3226	149	158	4	4	X
fsr-3226	149	159	)	)	PUNCT
fsr-3226	149	160	those	those	PRON
fsr-3226	149	161	who	who	PRON
fsr-3226	149	162	did	do	AUX
fsr-3226	149	163	not	not	PART
fsr-3226	149	164	have	have	VERB
fsr-3226	149	165	a	a	DET
fsr-3226	149	166	planner	planner	NOUN
fsr-3226	149	167	in	in	ADP
fsr-3226	149	168	either	either	DET
fsr-3226	149	169	period	period	NOUN
fsr-3226	149	170	(	(	PUNCT
fsr-3226	149	171	never	never	ADV
fsr-3226	149	172	)	)	PUNCT
fsr-3226	149	173	.	.	PUNCT
fsr-3226	150	1	we	we	PRON
fsr-3226	150	2	are	be	AUX
fsr-3226	150	3	interested	interested	ADJ
fsr-3226	150	4	in	in	ADP
fsr-3226	150	5	two	two	NUM
fsr-3226	150	6	specific	specific	ADJ
fsr-3226	150	7	comparisons	comparison	NOUN
fsr-3226	150	8	.	.	PUNCT
fsr-3226	151	1	the	the	DET
fsr-3226	151	2	first	first	ADJ
fsr-3226	151	3	is	be	AUX
fsr-3226	151	4	the	the	DET
fsr-3226	151	5	difference	difference	NOUN
fsr-3226	151	6	between	between	ADP
fsr-3226	151	7	those	those	PRON
fsr-3226	151	8	that	that	PRON
fsr-3226	151	9	adopted	adopt	VERB
fsr-3226	151	10	a	a	DET
fsr-3226	151	11	planner	planner	NOUN
fsr-3226	151	12	in	in	ADP
fsr-3226	151	13	2012	2012	NUM
fsr-3226	151	14	(	(	PUNCT
fsr-3226	151	15	adopted	adopt	VERB
fsr-3226	151	16	)	)	PUNCT
fsr-3226	151	17	and	and	CCONJ
fsr-3226	151	18	those	those	PRON
fsr-3226	151	19	who	who	PRON
fsr-3226	151	20	did	do	AUX
fsr-3226	151	21	not	not	PART
fsr-3226	151	22	have	have	VERB
fsr-3226	151	23	a	a	DET
fsr-3226	151	24	planner	planner	NOUN
fsr-3226	151	25	in	in	ADP
fsr-3226	151	26	either	either	DET
fsr-3226	151	27	period	period	NOUN
fsr-3226	151	28	(	(	PUNCT
fsr-3226	151	29	never	never	ADV
fsr-3226	151	30	)	)	PUNCT
fsr-3226	151	31	.	.	PUNCT
fsr-3226	152	1	we	we	PRON
fsr-3226	152	2	hypothesize	hypothesize	VERB
fsr-3226	152	3	those	those	PRON
fsr-3226	152	4	who	who	PRON
fsr-3226	152	5	decide	decide	VERB
fsr-3226	152	6	to	to	PART
fsr-3226	152	7	adopt	adopt	VERB
fsr-3226	152	8	a	a	DET
fsr-3226	152	9	planner	planner	NOUN
fsr-3226	152	10	to	to	PART
fsr-3226	152	11	be	be	AUX
fsr-3226	152	12	more	more	ADV
fsr-3226	152	13	financially	financially	ADV
fsr-3226	152	14	literate	literate	ADJ
fsr-3226	152	15	.	.	PUNCT
fsr-3226	153	1	the	the	DET
fsr-3226	153	2	second	second	ADJ
fsr-3226	153	3	comparison	comparison	NOUN
fsr-3226	153	4	is	be	AUX
fsr-3226	153	5	between	between	ADP
fsr-3226	153	6	those	those	PRON
fsr-3226	153	7	who	who	PRON
fsr-3226	153	8	dropped	drop	VERB
fsr-3226	153	9	a	a	DET
fsr-3226	153	10	planner	planner	NOUN
fsr-3226	153	11	2012	2012	NUM
fsr-3226	153	12	(	(	PUNCT
fsr-3226	153	13	dropped	drop	VERB
fsr-3226	153	14	)	)	PUNCT
fsr-3226	153	15	and	and	CCONJ
fsr-3226	153	16	those	those	PRON
fsr-3226	153	17	who	who	PRON
fsr-3226	153	18	had	have	VERB
fsr-3226	153	19	a	a	DET
fsr-3226	153	20	planner	planner	NOUN
fsr-3226	153	21	throughout	throughout	ADP
fsr-3226	153	22	(	(	PUNCT
fsr-3226	153	23	throughout	throughout	ADP
fsr-3226	153	24	)	)	PUNCT
fsr-3226	153	25	.	.	PUNCT
fsr-3226	154	1	we	we	PRON
fsr-3226	154	2	hypothesize	hypothesize	VERB
fsr-3226	154	3	those	those	PRON
fsr-3226	154	4	who	who	PRON
fsr-3226	154	5	dropped	drop	VERB
fsr-3226	154	6	a	a	DET
fsr-3226	154	7	planner	planner	NOUN
fsr-3226	154	8	in	in	ADP
fsr-3226	154	9	2012	2012	NUM
fsr-3226	154	10	to	to	PART
fsr-3226	154	11	have	have	VERB
fsr-3226	154	12	lower	low	ADJ
fsr-3226	154	13	financial	financial	ADJ
fsr-3226	154	14	literacy	literacy	NOUN
fsr-3226	154	15	than	than	ADP
fsr-3226	154	16	those	those	PRON
fsr-3226	154	17	who	who	PRON
fsr-3226	154	18	have	have	VERB
fsr-3226	154	19	a	a	DET
fsr-3226	154	20	planner	planner	NOUN
fsr-3226	154	21	throughout	throughout	ADP
fsr-3226	154	22	.	.	PUNCT
fsr-3226	155	1	the	the	DET
fsr-3226	155	2	multinomial	multinomial	ADJ
fsr-3226	155	3	logit	logit	PROPN
fsr-3226	155	4	is	be	AUX
fsr-3226	155	5	specified	specify	VERB
fsr-3226	155	6	as	as	SCONJ
fsr-3226	155	7	follows	follow	VERB
fsr-3226	155	8	.	.	PUNCT
fsr-3226	156	1	the	the	DET
fsr-3226	156	2	probability	probability	NOUN
fsr-3226	156	3	that	that	SCONJ
fsr-3226	156	4	the	the	DET
fsr-3226	156	5	ith	ith	PROPN
fsr-3226	156	6	household	household	NOUN
fsr-3226	156	7	would	would	AUX
fsr-3226	156	8	choose	choose	VERB
fsr-3226	156	9	the	the	DET
fsr-3226	156	10	jth	jth	PROPN
fsr-3226	156	11	group	group	NOUN
fsr-3226	156	12	is	be	AUX
fsr-3226	156	13	described	describe	VERB
fsr-3226	156	14	by	by	ADP
fsr-3226	156	15	:	:	PUNCT
fsr-3226	156	16	pij	pij	PROPN
fsr-3226	156	17	�	�	PROPN
fsr-3226	156	18	pr	pr	PROPN
fsr-3226	156	19	�	�	PROPN
fsr-3226	156	20	rij	rij	PROPN
fsr-3226	156	21	�	�	PROPN
fsr-3226	156	22	rik	rik	PROPN
fsr-3226	156	23	�	�	PROPN
fsr-3226	156	24	,	,	PUNCT
fsr-3226	156	25	for	for	ADP
fsr-3226	156	26	k	k	PROPN
fsr-3226	156	27	�	�	PROPN
fsr-3226	156	28	j	j	PROPN
fsr-3226	156	29	,	,	PUNCT
fsr-3226	156	30	j	j	PROPN
fsr-3226	156	31	�	�	PROPN
fsr-3226	156	32	0	0	NUM
fsr-3226	156	33	,	,	PUNCT
fsr-3226	156	34	1	1	NUM
fsr-3226	156	35	,	,	PUNCT
fsr-3226	156	36	2	2	NUM
fsr-3226	156	37	,	,	PUNCT
fsr-3226	156	38	3	3	NUM
fsr-3226	156	39	with	with	ADP
fsr-3226	156	40	rij	rij	PROPN
fsr-3226	156	41	is	be	AUX
fsr-3226	156	42	the	the	DET
fsr-3226	156	43	maximum	maximum	ADJ
fsr-3226	156	44	utility	utility	NOUN
fsr-3226	156	45	attainable	attainable	ADJ
fsr-3226	156	46	for	for	ADP
fsr-3226	156	47	household	household	NOUN
fsr-3226	156	48	i	i	PRON
fsr-3226	156	49	if	if	SCONJ
fsr-3226	156	50	the	the	DET
fsr-3226	156	51	household	household	NOUN
fsr-3226	156	52	holds	hold	VERB
fsr-3226	156	53	jth	jth	PROPN
fsr-3226	156	54	group	group	PROPN
fsr-3226	156	55	,	,	PUNCT
fsr-3226	156	56	and	and	CCONJ
fsr-3226	156	57	,	,	PUNCT
fsr-3226	156	58	rij	rij	PROPN
fsr-3226	156	59	�	�	PROPN
fsr-3226	156	60	x	x	SYM
fsr-3226	156	61	�	�	PROPN
fsr-3226	156	62	ij	ij	ADJ
fsr-3226	156	63	�	�	PROPN
fsr-3226	156	64	ij	ij	PROPN
fsr-3226	156	65	�	�	PROPN
fsr-3226	156	66	�	�	PROPN
fsr-3226	156	67	ij	ij	NOUN
fsr-3226	157	1	338	338	NUM
fsr-3226	157	2	m.c	m.c	PROPN
fsr-3226	157	3	.	.	PROPN
fsr-3226	157	4	seay	seay	PROPN
fsr-3226	157	5	et	et	PROPN
fsr-3226	157	6	al	al	PROPN
fsr-3226	157	7	.	.	PUNCT
fsr-3226	157	8	/	/	SYM
fsr-3226	157	9	financial	financial	ADJ
fsr-3226	157	10	services	service	NOUN
fsr-3226	157	11	review	review	VERB
fsr-3226	157	12	25	25	NUM
fsr-3226	157	13	(	(	PUNCT
fsr-3226	157	14	2016	2016	NUM
fsr-3226	157	15	)	)	PUNCT
fsr-3226	158	1	331–350	331–350	NUM
fsr-3226	158	2	where	where	SCONJ
fsr-3226	158	3	�	�	NOUN
fsr-3226	158	4	ij	ij	NOUN
fsr-3226	158	5	is	be	AUX
fsr-3226	158	6	a	a	DET
fsr-3226	158	7	vector	vector	NOUN
fsr-3226	158	8	of	of	ADP
fsr-3226	158	9	coefficients	coefficient	NOUN
fsr-3226	158	10	of	of	ADP
fsr-3226	158	11	each	each	PRON
fsr-3226	158	12	of	of	ADP
fsr-3226	158	13	the	the	DET
fsr-3226	158	14	independent	independent	ADJ
fsr-3226	158	15	variables	variable	NOUN
fsr-3226	158	16	.	.	PUNCT
fsr-3226	159	1	assuming	assume	VERB
fsr-3226	159	2	that	that	SCONJ
fsr-3226	159	3	the	the	DET
fsr-3226	159	4	stochastic	stochastic	ADJ
fsr-3226	159	5	term	term	NOUN
fsr-3226	159	6	,	,	PUNCT
fsr-3226	159	7	�	�	NOUN
fsr-3226	159	8	ij	ij	NOUN
fsr-3226	159	9	,	,	PUNCT
fsr-3226	159	10	is	be	AUX
fsr-3226	159	11	distributed	distribute	VERB
fsr-3226	159	12	identically	identically	ADV
fsr-3226	159	13	and	and	CCONJ
fsr-3226	159	14	independently	independently	ADV
fsr-3226	159	15	across	across	ADP
fsr-3226	159	16	alternatives	alternative	NOUN
fsr-3226	159	17	,	,	PUNCT
fsr-3226	159	18	the	the	DET
fsr-3226	159	19	multinomial	multinomial	ADJ
fsr-3226	159	20	logit	logit	PROPN
fsr-3226	159	21	model	model	NOUN
fsr-3226	159	22	is	be	AUX
fsr-3226	159	23	expressed	express	VERB
fsr-3226	159	24	by	by	ADP
fsr-3226	159	25	:	:	PUNCT
fsr-3226	159	26	pij	pij	PROPN
fsr-3226	159	27	�	�	PROPN
fsr-3226	159	28	exp	exp	PROPN
fsr-3226	159	29	�	�	PROPN
fsr-3226	159	30	x	x	SYM
fsr-3226	159	31	�	�	PROPN
fsr-3226	159	32	ij	ij	NOUN
fsr-3226	159	33	�	�	PROPN
fsr-3226	159	34	ij	ij	NOUN
fsr-3226	159	35	�	�	PROPN
fsr-3226	159	36	/	/	SYM
fsr-3226	159	37	�	�	PROPN
fsr-3226	159	38	�	�	PROPN
fsr-3226	159	39	x	x	SYM
fsr-3226	159	40	�	�	PROPN
fsr-3226	159	41	ij	ij	NOUN
fsr-3226	159	42	�	�	PROPN
fsr-3226	159	43	ij	ij	NOUN
fsr-3226	159	44	�	�	PROPN
fsr-3226	159	45	the	the	DET
fsr-3226	159	46	nlsy79	nlsy79	NOUN
fsr-3226	159	47	provides	provide	VERB
fsr-3226	159	48	weighting	weight	VERB
fsr-3226	159	49	information	information	NOUN
fsr-3226	159	50	that	that	SCONJ
fsr-3226	159	51	researchers	researcher	NOUN
fsr-3226	159	52	can	can	AUX
fsr-3226	159	53	use	use	VERB
fsr-3226	159	54	to	to	PART
fsr-3226	159	55	make	make	VERB
fsr-3226	159	56	the	the	DET
fsr-3226	159	57	sample	sample	NOUN
fsr-3226	159	58	representative	representative	NOUN
fsr-3226	159	59	of	of	ADP
fsr-3226	159	60	the	the	DET
fsr-3226	159	61	larger	large	ADJ
fsr-3226	159	62	u.s	u.s	PROPN
fsr-3226	159	63	.	.	PROPN
fsr-3226	159	64	population	population	NOUN
fsr-3226	159	65	.	.	PUNCT
fsr-3226	160	1	consequently	consequently	ADV
fsr-3226	160	2	,	,	PUNCT
fsr-3226	160	3	normalized	normalize	VERB
fsr-3226	160	4	sampling	sample	VERB
fsr-3226	160	5	weights	weight	NOUN
fsr-3226	160	6	from	from	ADP
fsr-3226	160	7	2012	2012	NUM
fsr-3226	160	8	are	be	AUX
fsr-3226	160	9	used	use	VERB
fsr-3226	160	10	in	in	ADP
fsr-3226	160	11	all	all	DET
fsr-3226	160	12	analyses	analysis	NOUN
fsr-3226	160	13	,	,	PUNCT
fsr-3226	160	14	providing	provide	VERB
fsr-3226	160	15	more	more	ADV
fsr-3226	160	16	representative	representative	ADJ
fsr-3226	160	17	and	and	CCONJ
fsr-3226	160	18	generalizable	generalizable	ADJ
fsr-3226	160	19	results	result	NOUN
fsr-3226	160	20	(	(	PUNCT
fsr-3226	160	21	deaton	deaton	PROPN
fsr-3226	160	22	1997	1997	NUM
fsr-3226	160	23	)	)	PUNCT
fsr-3226	160	24	.	.	PUNCT
fsr-3226	161	1	unfortunately	unfortunately	ADV
fsr-3226	161	2	,	,	PUNCT
fsr-3226	161	3	complex	complex	ADJ
fsr-3226	161	4	sampling	sampling	NOUN
fsr-3226	161	5	design	design	NOUN
fsr-3226	161	6	information	information	NOUN
fsr-3226	161	7	is	be	AUX
fsr-3226	161	8	not	not	PART
fsr-3226	161	9	included	include	VERB
fsr-3226	161	10	in	in	ADP
fsr-3226	161	11	the	the	DET
fsr-3226	161	12	publically	publically	ADV
fsr-3226	161	13	available	available	ADJ
fsr-3226	161	14	version	version	NOUN
fsr-3226	161	15	of	of	ADP
fsr-3226	161	16	the	the	DET
fsr-3226	161	17	nlsy79	nlsy79	NOUN
fsr-3226	161	18	.	.	PUNCT
fsr-3226	162	1	4	4	X
fsr-3226	162	2	.	.	NOUN
fsr-3226	162	3	results	result	VERB
fsr-3226	162	4	4.1	4.1	NUM
fsr-3226	162	5	.	.	PUNCT
fsr-3226	163	1	descriptive	descriptive	ADJ
fsr-3226	163	2	results	result	NOUN
fsr-3226	163	3	table	table	NOUN
fsr-3226	163	4	1	1	NUM
fsr-3226	163	5	provides	provide	VERB
fsr-3226	163	6	descriptive	descriptive	ADJ
fsr-3226	163	7	statistics	statistic	NOUN
fsr-3226	163	8	for	for	ADP
fsr-3226	163	9	the	the	DET
fsr-3226	163	10	sample	sample	NOUN
fsr-3226	163	11	,	,	PUNCT
fsr-3226	163	12	as	as	ADV
fsr-3226	163	13	well	well	ADV
fsr-3226	163	14	as	as	ADP
fsr-3226	163	15	for	for	ADP
fsr-3226	163	16	each	each	PRON
fsr-3226	163	17	of	of	ADP
fsr-3226	163	18	the	the	DET
fsr-3226	163	19	four	four	NUM
fsr-3226	163	20	different	different	ADJ
fsr-3226	163	21	groups	group	NOUN
fsr-3226	163	22	of	of	ADP
fsr-3226	163	23	financial	financial	ADJ
fsr-3226	163	24	planner	planner	NOUN
fsr-3226	163	25	use	use	NOUN
fsr-3226	163	26	.	.	PUNCT
fsr-3226	164	1	respondent	respondent	NOUN
fsr-3226	164	2	ages	age	NOUN
fsr-3226	164	3	range	range	VERB
fsr-3226	164	4	from	from	ADP
fsr-3226	164	5	47	47	NUM
fsr-3226	164	6	to	to	ADP
fsr-3226	164	7	56	56	NUM
fsr-3226	164	8	,	,	PUNCT
fsr-3226	164	9	an	an	DET
fsr-3226	164	10	ideal	ideal	ADJ
fsr-3226	164	11	age	age	NOUN
fsr-3226	164	12	group	group	NOUN
fsr-3226	164	13	in	in	ADP
fsr-3226	164	14	which	which	PRON
fsr-3226	164	15	to	to	PART
fsr-3226	164	16	investigate	investigate	VERB
fsr-3226	164	17	retirement	retirement	NOUN
fsr-3226	164	18	planning	planning	NOUN
fsr-3226	164	19	decisions	decision	NOUN
fsr-3226	164	20	.	.	PUNCT
fsr-3226	165	1	the	the	DET
fsr-3226	165	2	majority	majority	NOUN
fsr-3226	165	3	of	of	ADP
fsr-3226	165	4	the	the	DET
fsr-3226	165	5	sample	sample	NOUN
fsr-3226	165	6	is	be	AUX
fsr-3226	165	7	white	white	ADJ
fsr-3226	165	8	(	(	PUNCT
fsr-3226	165	9	81.5	81.5	NUM
fsr-3226	165	10	%	%	NOUN
fsr-3226	165	11	)	)	PUNCT
fsr-3226	165	12	,	,	PUNCT
fsr-3226	165	13	male	male	NOUN
fsr-3226	165	14	(	(	PUNCT
fsr-3226	165	15	50.2	50.2	NUM
fsr-3226	165	16	%	%	NOUN
fsr-3226	165	17	)	)	PUNCT
fsr-3226	165	18	,	,	PUNCT
fsr-3226	165	19	married	marry	VERB
fsr-3226	165	20	(	(	PUNCT
fsr-3226	165	21	67.6	67.6	NUM
fsr-3226	165	22	%	%	NOUN
fsr-3226	165	23	)	)	PUNCT
fsr-3226	165	24	,	,	PUNCT
fsr-3226	165	25	employed	employ	VERB
fsr-3226	165	26	(	(	PUNCT
fsr-3226	165	27	80.4	80.4	NUM
fsr-3226	165	28	%	%	NOUN
fsr-3226	165	29	)	)	PUNCT
fsr-3226	165	30	,	,	PUNCT
fsr-3226	165	31	and	and	CCONJ
fsr-3226	165	32	homeowners	homeowner	NOUN
fsr-3226	165	33	(	(	PUNCT
fsr-3226	165	34	74.6	74.6	NUM
fsr-3226	165	35	%	%	NOUN
fsr-3226	165	36	)	)	PUNCT
fsr-3226	165	37	.	.	PUNCT
fsr-3226	166	1	overall	overall	ADV
fsr-3226	166	2	,	,	PUNCT
fsr-3226	166	3	respondents	respondent	NOUN
fsr-3226	166	4	are	be	AUX
fsr-3226	166	5	financially	financially	ADV
fsr-3226	166	6	knowledgeable	knowledgeable	ADJ
fsr-3226	166	7	,	,	PUNCT
fsr-3226	166	8	have	have	VERB
fsr-3226	166	9	high	high	ADJ
fsr-3226	166	10	levels	level	NOUN
fsr-3226	166	11	of	of	ADP
fsr-3226	166	12	financial	financial	ADJ
fsr-3226	166	13	confidence	confidence	NOUN
fsr-3226	166	14	,	,	PUNCT
fsr-3226	166	15	and	and	CCONJ
fsr-3226	166	16	have	have	VERB
fsr-3226	166	17	relatively	relatively	ADV
fsr-3226	166	18	internal	internal	ADJ
fsr-3226	166	19	locus	locus	NOUN
fsr-3226	166	20	of	of	ADP
fsr-3226	166	21	controls	control	NOUN
fsr-3226	166	22	.	.	PUNCT
fsr-3226	167	1	when	when	SCONJ
fsr-3226	167	2	comparing	compare	VERB
fsr-3226	167	3	financial	financial	ADJ
fsr-3226	167	4	literacy	literacy	NOUN
fsr-3226	167	5	between	between	ADP
fsr-3226	167	6	groups	group	NOUN
fsr-3226	167	7	,	,	PUNCT
fsr-3226	167	8	reported	report	VERB
fsr-3226	167	9	levels	level	NOUN
fsr-3226	167	10	of	of	ADP
fsr-3226	167	11	financial	financial	ADJ
fsr-3226	167	12	knowledge	knowledge	NOUN
fsr-3226	167	13	,	,	PUNCT
fsr-3226	167	14	confidence	confidence	NOUN
fsr-3226	167	15	and	and	CCONJ
fsr-3226	167	16	capability	capability	NOUN
fsr-3226	167	17	are	be	AUX
fsr-3226	167	18	highest	high	ADJ
fsr-3226	167	19	for	for	ADP
fsr-3226	167	20	those	those	PRON
fsr-3226	167	21	who	who	PRON
fsr-3226	167	22	had	have	VERB
fsr-3226	167	23	a	a	DET
fsr-3226	167	24	financial	financial	ADJ
fsr-3226	167	25	planner	planner	NOUN
fsr-3226	167	26	in	in	ADP
fsr-3226	167	27	both	both	DET
fsr-3226	167	28	2010	2010	NUM
fsr-3226	167	29	and	and	CCONJ
fsr-3226	167	30	2012	2012	NUM
fsr-3226	167	31	and	and	CCONJ
fsr-3226	167	32	lowest	low	ADJ
fsr-3226	167	33	for	for	ADP
fsr-3226	167	34	those	those	PRON
fsr-3226	167	35	who	who	PRON
fsr-3226	167	36	did	do	AUX
fsr-3226	167	37	not	not	PART
fsr-3226	167	38	have	have	VERB
fsr-3226	167	39	a	a	DET
fsr-3226	167	40	planner	planner	NOUN
fsr-3226	167	41	in	in	ADP
fsr-3226	167	42	either	either	DET
fsr-3226	167	43	period	period	NOUN
fsr-3226	167	44	.	.	PUNCT
fsr-3226	168	1	4.2	4.2	NUM
fsr-3226	168	2	.	.	PUNCT
fsr-3226	168	3	baseline	baseline	PROPN
fsr-3226	168	4	model	model	PROPN
fsr-3226	168	5	:	:	PUNCT
fsr-3226	168	6	binomial	binomial	PROPN
fsr-3226	168	7	logit	logit	PROPN
fsr-3226	168	8	analysis	analysis	NOUN
fsr-3226	168	9	results	result	NOUN
fsr-3226	168	10	from	from	ADP
fsr-3226	168	11	the	the	DET
fsr-3226	168	12	binomial	binomial	ADJ
fsr-3226	168	13	logistic	logistic	ADJ
fsr-3226	168	14	regression	regression	NOUN
fsr-3226	168	15	predicting	predict	VERB
fsr-3226	168	16	use	use	NOUN
fsr-3226	168	17	of	of	ADP
fsr-3226	168	18	a	a	DET
fsr-3226	168	19	planner	planner	NOUN
fsr-3226	168	20	in	in	ADP
fsr-3226	168	21	2012	2012	NUM
fsr-3226	168	22	are	be	AUX
fsr-3226	168	23	presented	present	VERB
fsr-3226	168	24	in	in	ADP
fsr-3226	168	25	table	table	NOUN
fsr-3226	168	26	2	2	NUM
fsr-3226	168	27	.	.	PUNCT
fsr-3226	168	28	variance	variance	NOUN
fsr-3226	168	29	inflation	inflation	NOUN
fsr-3226	168	30	factors	factor	NOUN
fsr-3226	168	31	were	be	AUX
fsr-3226	168	32	checked	check	VERB
fsr-3226	168	33	to	to	PART
fsr-3226	168	34	test	test	VERB
fsr-3226	168	35	for	for	ADP
fsr-3226	168	36	any	any	DET
fsr-3226	168	37	potential	potential	ADJ
fsr-3226	168	38	multicollinearity	multicollinearity	NOUN
fsr-3226	168	39	issues	issue	NOUN
fsr-3226	168	40	,	,	PUNCT
fsr-3226	168	41	but	but	CCONJ
fsr-3226	168	42	were	be	AUX
fsr-3226	168	43	found	find	VERB
fsr-3226	168	44	to	to	PART
fsr-3226	168	45	be	be	AUX
fsr-3226	168	46	within	within	ADP
fsr-3226	168	47	the	the	DET
fsr-3226	168	48	acceptable	acceptable	ADJ
fsr-3226	168	49	range	range	NOUN
fsr-3226	168	50	(	(	PUNCT
fsr-3226	168	51	less	less	ADJ
fsr-3226	168	52	than	than	ADP
fsr-3226	168	53	2.5	2.5	NUM
fsr-3226	168	54	)	)	PUNCT
fsr-3226	168	55	.	.	PUNCT
fsr-3226	169	1	this	this	DET
fsr-3226	169	2	baseline	baseline	ADJ
fsr-3226	169	3	analysis	analysis	NOUN
fsr-3226	169	4	provides	provide	VERB
fsr-3226	169	5	evidence	evidence	NOUN
fsr-3226	169	6	of	of	ADP
fsr-3226	169	7	the	the	DET
fsr-3226	169	8	link	link	NOUN
fsr-3226	169	9	between	between	ADP
fsr-3226	169	10	financial	financial	ADJ
fsr-3226	169	11	literacy	literacy	NOUN
fsr-3226	169	12	and	and	CCONJ
fsr-3226	169	13	seeking	seek	VERB
fsr-3226	169	14	retirement	retirement	NOUN
fsr-3226	169	15	planning	planning	NOUN
fsr-3226	169	16	advice	advice	NOUN
fsr-3226	169	17	.	.	PUNCT
fsr-3226	170	1	an	an	DET
fsr-3226	170	2	understanding	understanding	NOUN
fsr-3226	170	3	of	of	ADP
fsr-3226	170	4	diversification	diversification	NOUN
fsr-3226	170	5	(	(	PUNCT
fsr-3226	170	6	knowledge	knowledge	NOUN
fsr-3226	170	7	)	)	PUNCT
fsr-3226	170	8	,	,	PUNCT
fsr-3226	170	9	an	an	DET
fsr-3226	170	10	understanding	understanding	NOUN
fsr-3226	170	11	of	of	ADP
fsr-3226	170	12	mortgages	mortgage	NOUN
fsr-3226	170	13	(	(	PUNCT
fsr-3226	170	14	knowledge	knowledge	NOUN
fsr-3226	170	15	)	)	PUNCT
fsr-3226	170	16	,	,	PUNCT
fsr-3226	170	17	having	have	VERB
fsr-3226	170	18	higher	high	ADJ
fsr-3226	170	19	subjective	subjective	ADJ
fsr-3226	170	20	knowledge	knowledge	NOUN
fsr-3226	170	21	(	(	PUNCT
fsr-3226	170	22	confidence	confidence	NOUN
fsr-3226	170	23	)	)	PUNCT
fsr-3226	170	24	,	,	PUNCT
fsr-3226	170	25	and	and	CCONJ
fsr-3226	170	26	having	have	VERB
fsr-3226	170	27	a	a	DET
fsr-3226	170	28	more	more	ADV
fsr-3226	170	29	internal	internal	ADJ
fsr-3226	170	30	locus	locus	NOUN
fsr-3226	170	31	of	of	ADP
fsr-3226	170	32	control	control	NOUN
fsr-3226	170	33	(	(	PUNCT
fsr-3226	170	34	confidence	confidence	NOUN
fsr-3226	170	35	)	)	PUNCT
fsr-3226	170	36	are	be	AUX
fsr-3226	170	37	all	all	PRON
fsr-3226	170	38	associated	associate	VERB
fsr-3226	170	39	with	with	ADP
fsr-3226	170	40	planner	planner	NOUN
fsr-3226	170	41	use	use	NOUN
fsr-3226	170	42	.	.	PUNCT
fsr-3226	171	1	more	more	ADV
fsr-3226	171	2	specifically	specifically	ADV
fsr-3226	171	3	,	,	PUNCT
fsr-3226	171	4	correctly	correctly	ADV
fsr-3226	171	5	answering	answer	VERB
fsr-3226	171	6	the	the	DET
fsr-3226	171	7	diversification	diversification	NOUN
fsr-3226	171	8	and	and	CCONJ
fsr-3226	171	9	mortgage	mortgage	NOUN
fsr-3226	171	10	questions	question	NOUN
fsr-3226	171	11	increases	increase	VERB
fsr-3226	171	12	the	the	DET
fsr-3226	171	13	odds	odd	NOUN
fsr-3226	171	14	that	that	SCONJ
fsr-3226	171	15	an	an	DET
fsr-3226	171	16	individual	individual	NOUN
fsr-3226	171	17	received	receive	VERB
fsr-3226	171	18	retirement	retirement	NOUN
fsr-3226	171	19	advice	advice	NOUN
fsr-3226	171	20	from	from	ADP
fsr-3226	171	21	a	a	DET
fsr-3226	171	22	financial	financial	ADJ
fsr-3226	171	23	planner	planner	NOUN
fsr-3226	171	24	by	by	ADP
fsr-3226	171	25	45.5	45.5	NUM
fsr-3226	171	26	%	%	NOUN
fsr-3226	171	27	and	and	CCONJ
fsr-3226	171	28	42.8	42.8	NUM
fsr-3226	171	29	%	%	NOUN
fsr-3226	171	30	,	,	PUNCT
fsr-3226	171	31	respectively	respectively	ADV
fsr-3226	171	32	.	.	PUNCT
fsr-3226	172	1	similarly	similarly	ADV
fsr-3226	172	2	,	,	PUNCT
fsr-3226	172	3	unit	unit	NOUN
fsr-3226	172	4	increases	increase	VERB
fsr-3226	172	5	in	in	ADP
fsr-3226	172	6	subjective	subjective	ADJ
fsr-3226	172	7	knowledge	knowledge	NOUN
fsr-3226	172	8	and	and	CCONJ
fsr-3226	172	9	locus	locus	NOUN
fsr-3226	172	10	of	of	ADP
fsr-3226	172	11	control	control	NOUN
fsr-3226	172	12	increases	increase	VERB
fsr-3226	172	13	the	the	DET
fsr-3226	172	14	odds	odd	NOUN
fsr-3226	172	15	of	of	ADP
fsr-3226	172	16	financial	financial	ADJ
fsr-3226	172	17	planner	planner	NOUN
fsr-3226	172	18	use	use	NOUN
fsr-3226	172	19	by	by	ADP
fsr-3226	172	20	6.4	6.4	NUM
fsr-3226	172	21	%	%	NOUN
fsr-3226	172	22	and	and	CCONJ
fsr-3226	172	23	5.3	5.3	NUM
fsr-3226	172	24	%	%	NOUN
fsr-3226	172	25	,	,	PUNCT
fsr-3226	172	26	respectively	respectively	ADV
fsr-3226	172	27	.	.	PUNCT
fsr-3226	173	1	however	however	ADV
fsr-3226	173	2	,	,	PUNCT
fsr-3226	173	3	no	no	DET
fsr-3226	173	4	statistically	statistically	ADV
fsr-3226	173	5	significant	significant	ADJ
fsr-3226	173	6	relationship	relationship	NOUN
fsr-3226	173	7	is	be	AUX
fsr-3226	173	8	found	find	VERB
fsr-3226	173	9	between	between	ADP
fsr-3226	173	10	cognitive	cognitive	ADJ
fsr-3226	173	11	ability	ability	NOUN
fsr-3226	173	12	(	(	PUNCT
fsr-3226	173	13	capability	capability	NOUN
fsr-3226	173	14	)	)	PUNCT
fsr-3226	173	15	and	and	CCONJ
fsr-3226	173	16	advice	advice	NOUN
fsr-3226	173	17	seeking	seeking	NOUN
fsr-3226	173	18	.	.	PUNCT
fsr-3226	174	1	results	result	NOUN
fsr-3226	174	2	also	also	ADV
fsr-3226	174	3	indicate	indicate	VERB
fsr-3226	174	4	that	that	SCONJ
fsr-3226	174	5	the	the	DET
fsr-3226	174	6	likelihood	likelihood	NOUN
fsr-3226	174	7	of	of	ADP
fsr-3226	174	8	using	use	VERB
fsr-3226	174	9	a	a	DET
fsr-3226	174	10	financial	financial	ADJ
fsr-3226	174	11	planner	planner	NOUN
fsr-3226	174	12	for	for	ADP
fsr-3226	174	13	retirement	retirement	NOUN
fsr-3226	174	14	purposes	purpose	NOUN
fsr-3226	174	15	is	be	AUX
fsr-3226	174	16	positively	positively	ADV
fsr-3226	174	17	correlated	correlate	VERB
fsr-3226	174	18	with	with	ADP
fsr-3226	174	19	education	education	NOUN
fsr-3226	174	20	,	,	PUNCT
fsr-3226	174	21	health	health	NOUN
fsr-3226	174	22	insurance	insurance	NOUN
fsr-3226	174	23	coverage	coverage	NOUN
fsr-3226	174	24	,	,	PUNCT
fsr-3226	174	25	net	net	ADJ
fsr-3226	174	26	worth	worth	NOUN
fsr-3226	174	27	,	,	PUNCT
fsr-3226	174	28	retirement	retirement	NOUN
fsr-3226	174	29	assets	asset	NOUN
fsr-3226	174	30	,	,	PUNCT
fsr-3226	174	31	stock	stock	NOUN
fsr-3226	174	32	ownership	ownership	NOUN
fsr-3226	174	33	,	,	PUNCT
fsr-3226	174	34	homeownership	homeownership	NOUN
fsr-3226	174	35	,	,	PUNCT
fsr-3226	174	36	risk	risk	NOUN
fsr-3226	174	37	tolerance	tolerance	NOUN
fsr-3226	174	38	,	,	PUNCT
fsr-3226	174	39	and	and	CCONJ
fsr-3226	174	40	trust	trust	NOUN
fsr-3226	174	41	.	.	PUNCT
fsr-3226	175	1	by	by	ADP
fsr-3226	175	2	contrast	contrast	NOUN
fsr-3226	175	3	,	,	PUNCT
fsr-3226	175	4	income	income	NOUN
fsr-3226	175	5	,	,	PUNCT
fsr-3226	175	6	having	have	VERB
fsr-3226	175	7	a	a	DET
fsr-3226	175	8	chronic	chronic	ADJ
fsr-3226	175	9	health	health	NOUN
fsr-3226	175	10	issue	issue	NOUN
fsr-3226	175	11	in	in	ADP
fsr-3226	175	12	the	the	DET
fsr-3226	175	13	household	household	NOUN
fsr-3226	175	14	,	,	PUNCT
fsr-3226	175	15	being	be	AUX
fsr-3226	175	16	male	male	ADJ
fsr-3226	175	17	,	,	PUNCT
fsr-3226	175	18	and	and	CCONJ
fsr-3226	175	19	living	live	VERB
fsr-3226	175	20	in	in	ADP
fsr-3226	175	21	an	an	DET
fsr-3226	175	22	urban	urban	ADJ
fsr-3226	175	23	area	area	NOUN
fsr-3226	175	24	are	be	AUX
fsr-3226	175	25	negatively	negatively	ADV
fsr-3226	175	26	related	relate	VERB
fsr-3226	175	27	to	to	ADP
fsr-3226	175	28	the	the	DET
fsr-3226	175	29	likelihood	likelihood	NOUN
fsr-3226	175	30	of	of	ADP
fsr-3226	175	31	using	use	VERB
fsr-3226	175	32	a	a	DET
fsr-3226	175	33	financial	financial	ADJ
fsr-3226	175	34	planner	planner	NOUN
fsr-3226	175	35	.	.	PUNCT
fsr-3226	176	1	339m.c	339m.c	NOUN
fsr-3226	176	2	.	.	PUNCT
fsr-3226	177	1	seay	seay	PROPN
fsr-3226	177	2	et	et	PROPN
fsr-3226	177	3	al	al	PROPN
fsr-3226	177	4	.	.	PUNCT
fsr-3226	177	5	/	/	SYM
fsr-3226	177	6	financial	financial	ADJ
fsr-3226	177	7	services	service	NOUN
fsr-3226	177	8	review	review	VERB
fsr-3226	177	9	25	25	NUM
fsr-3226	177	10	(	(	PUNCT
fsr-3226	177	11	2016	2016	NUM
fsr-3226	177	12	)	)	PUNCT
fsr-3226	178	1	331–350	331–350	NUM
fsr-3226	178	2	4.3	4.3	NUM
fsr-3226	178	3	.	.	PUNCT
fsr-3226	178	4	multinomial	multinomial	PROPN
fsr-3226	178	5	logit	logit	PROPN
fsr-3226	178	6	analyses	analyse	VERB
fsr-3226	178	7	results	result	NOUN
fsr-3226	178	8	from	from	ADP
fsr-3226	178	9	the	the	DET
fsr-3226	178	10	multinomial	multinomial	ADJ
fsr-3226	178	11	logit	logit	PROPN
fsr-3226	178	12	most	most	ADV
fsr-3226	178	13	relevant	relevant	ADJ
fsr-3226	178	14	to	to	ADP
fsr-3226	178	15	our	our	PRON
fsr-3226	178	16	hypotheses	hypothesis	NOUN
fsr-3226	178	17	are	be	AUX
fsr-3226	178	18	presented	present	VERB
fsr-3226	178	19	in	in	ADP
fsr-3226	178	20	tables	table	NOUN
fsr-3226	178	21	3	3	NUM
fsr-3226	178	22	and	and	CCONJ
fsr-3226	178	23	4	4	NUM
fsr-3226	178	24	.	.	NOUN
fsr-3226	178	25	table	table	NOUN
fsr-3226	178	26	3	3	NUM
fsr-3226	178	27	presents	present	VERB
fsr-3226	178	28	the	the	DET
fsr-3226	178	29	comparison	comparison	NOUN
fsr-3226	178	30	between	between	ADP
fsr-3226	178	31	those	those	PRON
fsr-3226	178	32	who	who	PRON
fsr-3226	178	33	never	never	ADV
fsr-3226	178	34	had	have	VERB
fsr-3226	178	35	a	a	DET
fsr-3226	178	36	planner	planner	NOUN
fsr-3226	178	37	and	and	CCONJ
fsr-3226	178	38	those	those	PRON
fsr-3226	178	39	who	who	PRON
fsr-3226	178	40	adopted	adopt	VERB
fsr-3226	178	41	a	a	DET
fsr-3226	178	42	planner	planner	NOUN
fsr-3226	178	43	in	in	ADP
fsr-3226	178	44	2012	2012	NUM
fsr-3226	178	45	,	,	PUNCT
fsr-3226	178	46	as	as	SCONJ
fsr-3226	178	47	this	this	PRON
fsr-3226	178	48	isolates	isolate	VERB
fsr-3226	178	49	the	the	DET
fsr-3226	178	50	decision	decision	NOUN
fsr-3226	178	51	to	to	PART
fsr-3226	178	52	adopt	adopt	VERB
fsr-3226	178	53	a	a	DET
fsr-3226	178	54	planner	planner	NOUN
fsr-3226	178	55	in	in	ADP
fsr-3226	178	56	2012	2012	NUM
fsr-3226	178	57	.	.	PUNCT
fsr-3226	179	1	in	in	ADP
fsr-3226	179	2	terms	term	NOUN
fsr-3226	179	3	of	of	ADP
fsr-3226	179	4	financial	financial	ADJ
fsr-3226	179	5	literacy	literacy	NOUN
fsr-3226	179	6	,	,	PUNCT
fsr-3226	179	7	individuals	individual	NOUN
fsr-3226	179	8	who	who	PRON
fsr-3226	179	9	are	be	AUX
fsr-3226	179	10	more	more	ADV
fsr-3226	179	11	knowledgeable	knowledgeable	ADJ
fsr-3226	179	12	about	about	ADP
fsr-3226	179	13	diversification	diversification	NOUN
fsr-3226	179	14	and	and	CCONJ
fsr-3226	179	15	have	have	VERB
fsr-3226	179	16	higher	high	ADJ
fsr-3226	179	17	subjective	subjective	ADJ
fsr-3226	179	18	knowledge	knowledge	NOUN
fsr-3226	179	19	are	be	AUX
fsr-3226	179	20	more	more	ADV
fsr-3226	179	21	likely	likely	ADJ
fsr-3226	179	22	to	to	PART
fsr-3226	179	23	adopt	adopt	VERB
fsr-3226	179	24	a	a	DET
fsr-3226	179	25	planner	planner	NOUN
fsr-3226	179	26	for	for	ADP
fsr-3226	179	27	retirement	retirement	NOUN
fsr-3226	179	28	planning	planning	NOUN
fsr-3226	179	29	table	table	NOUN
fsr-3226	179	30	1	1	NUM
fsr-3226	179	31	descriptive	descriptive	ADJ
fsr-3226	179	32	statistics	statistic	NOUN
fsr-3226	179	33	of	of	ADP
fsr-3226	179	34	selected	select	VERB
fsr-3226	179	35	variables	variable	NOUN
fsr-3226	179	36	by	by	ADP
fsr-3226	179	37	changes	change	NOUN
fsr-3226	179	38	in	in	ADP
fsr-3226	179	39	financial	financial	ADJ
fsr-3226	179	40	planner	planner	NOUN
fsr-3226	179	41	use	use	VERB
fsr-3226	179	42	variable	variable	NOUN
fsr-3226	179	43	all	all	DET
fsr-3226	179	44	sample	sample	NOUN
fsr-3226	179	45	n	n	PRON
fsr-3226	179	46	�	�	PROPN
fsr-3226	179	47	5,127	5,127	NUM
fsr-3226	179	48	planner	planner	NOUN
fsr-3226	179	49	in	in	ADP
fsr-3226	179	50	2010	2010	NUM
fsr-3226	179	51	and	and	CCONJ
fsr-3226	179	52	2012	2012	NUM
fsr-3226	179	53	n	n	DET
fsr-3226	179	54	�	�	PROPN
fsr-3226	179	55	657	657	NUM
fsr-3226	179	56	adopted	adopt	VERB
fsr-3226	179	57	a	a	DET
fsr-3226	179	58	planner	planner	NOUN
fsr-3226	179	59	in	in	ADP
fsr-3226	179	60	2012	2012	NUM
fsr-3226	179	61	n	n	PRON
fsr-3226	179	62	�	�	PROPN
fsr-3226	179	63	369	369	NUM
fsr-3226	179	64	dropped	drop	VERB
fsr-3226	179	65	a	a	DET
fsr-3226	179	66	planner	planner	NOUN
fsr-3226	179	67	in	in	ADP
fsr-3226	179	68	2012	2012	NUM
fsr-3226	179	69	n	n	PRON
fsr-3226	179	70	�	�	PROPN
fsr-3226	179	71	500	500	NUM
fsr-3226	180	1	no	no	DET
fsr-3226	180	2	planner	planner	NOUN
fsr-3226	180	3	n	n	PROPN
fsr-3226	180	4	�	�	PROPN
fsr-3226	180	5	3,601	3,601	NUM
fsr-3226	180	6	financial	financial	ADJ
fsr-3226	180	7	literacy	literacy	NOUN
fsr-3226	180	8	measuresa	measuresa	NOUN
fsr-3226	180	9	k	k	NOUN
fsr-3226	180	10	:	:	PUNCT
fsr-3226	180	11	diversification	diversification	NOUN
fsr-3226	180	12	0.68	0.68	NUM
fsr-3226	180	13	0.84	0.84	NUM
fsr-3226	180	14	0.77	0.77	NUM
fsr-3226	180	15	0.75	0.75	NUM
fsr-3226	180	16	0.63	0.63	NUM
fsr-3226	180	17	k	k	NOUN
fsr-3226	180	18	:	:	PUNCT
fsr-3226	180	19	compound	compound	NOUN
fsr-3226	180	20	interest	interest	NOUN
fsr-3226	180	21	0.74	0.74	NUM
fsr-3226	180	22	0.85	0.85	NUM
fsr-3226	180	23	0.80	0.80	NUM
fsr-3226	180	24	0.78	0.78	NUM
fsr-3226	180	25	0.71	0.71	NUM
fsr-3226	180	26	k	k	NOUN
fsr-3226	180	27	:	:	PUNCT
fsr-3226	180	28	inflation	inflation	NOUN
fsr-3226	180	29	0.82	0.82	NUM
fsr-3226	180	30	0.87	0.87	NUM
fsr-3226	180	31	0.86	0.86	NUM
fsr-3226	180	32	0.87	0.87	NUM
fsr-3226	180	33	0.80	0.80	NUM
fsr-3226	180	34	k	k	NOUN
fsr-3226	180	35	:	:	PUNCT
fsr-3226	180	36	bonds	bond	NOUN
fsr-3226	180	37	0.31	0.31	NUM
fsr-3226	180	38	0.42	0.42	NUM
fsr-3226	180	39	0.37	0.37	NUM
fsr-3226	180	40	0.36	0.36	NUM
fsr-3226	180	41	0.27	0.27	NUM
fsr-3226	180	42	k	k	NOUN
fsr-3226	180	43	:	:	PUNCT
fsr-3226	180	44	mortgage	mortgage	NOUN
fsr-3226	180	45	0.87	0.87	NUM
fsr-3226	180	46	0.96	0.96	NUM
fsr-3226	180	47	0.92	0.92	NUM
fsr-3226	180	48	0.94	0.94	NUM
fsr-3226	180	49	0.84	0.84	NUM
fsr-3226	180	50	c	c	NOUN
fsr-3226	180	51	:	:	PUNCT
fsr-3226	180	52	subjective	subjective	ADJ
fsr-3226	180	53	knowledge	knowledge	NOUN
fsr-3226	180	54	4.90	4.90	NUM
fsr-3226	180	55	5.19	5.19	NUM
fsr-3226	180	56	5.21	5.21	NUM
fsr-3226	180	57	5.11	5.11	NUM
fsr-3226	180	58	4.77	4.77	NUM
fsr-3226	180	59	c	c	NOUN
fsr-3226	180	60	:	:	PUNCT
fsr-3226	180	61	day	day	NOUN
fsr-3226	180	62	-	-	PUNCT
fsr-3226	180	63	to	to	ADP
fsr-3226	180	64	-	-	PUNCT
fsr-3226	180	65	day	day	NOUN
fsr-3226	180	66	finances	finance	NOUN
fsr-3226	180	67	5.73	5.73	NUM
fsr-3226	180	68	6.16	6.16	NUM
fsr-3226	180	69	5.83	5.83	NUM
fsr-3226	180	70	5.91	5.91	NUM
fsr-3226	180	71	5.59	5.59	NUM
fsr-3226	180	72	c	c	NOUN
fsr-3226	180	73	:	:	PUNCT
fsr-3226	180	74	rotter	rotter	NOUN
fsr-3226	180	75	locus	locus	NOUN
fsr-3226	180	76	of	of	ADP
fsr-3226	180	77	control	control	NOUN
fsr-3226	180	78	11.5	11.5	NUM
fsr-3226	180	79	12.28	12.28	NUM
fsr-3226	180	80	11.62	11.62	NUM
fsr-3226	180	81	11.71	11.71	NUM
fsr-3226	180	82	11.27	11.27	NUM
fsr-3226	180	83	a	a	DET
fsr-3226	180	84	:	:	PUNCT
fsr-3226	180	85	afqt	afqt	NOUN
fsr-3226	180	86	(	(	PUNCT
fsr-3226	180	87	intelligence	intelligence	NOUN
fsr-3226	180	88	)	)	PUNCT
fsr-3226	180	89	52.76	52.76	NUM
fsr-3226	180	90	68.14	68.14	NUM
fsr-3226	180	91	60.13	60.13	NUM
fsr-3226	180	92	58.18	58.18	NUM
fsr-3226	180	93	47.58	47.58	NUM
fsr-3226	180	94	control	control	NOUN
fsr-3226	180	95	variables	variable	NOUN
fsr-3226	180	96	mean	mean	VERB
fsr-3226	180	97	age	age	NOUN
fsr-3226	180	98	51.4	51.4	NUM
fsr-3226	180	99	51.6	51.6	NUM
fsr-3226	180	100	51.4	51.4	NUM
fsr-3226	180	101	51.6	51.6	NUM
fsr-3226	180	102	51.4	51.4	NUM
fsr-3226	180	103	white	white	ADJ
fsr-3226	180	104	81.5	81.5	NUM
fsr-3226	180	105	%	%	NOUN
fsr-3226	180	106	90.3	90.3	NUM
fsr-3226	180	107	%	%	NOUN
fsr-3226	180	108	84.1	84.1	NUM
fsr-3226	180	109	%	%	NOUN
fsr-3226	180	110	82.2	82.2	NUM
fsr-3226	180	111	%	%	NOUN
fsr-3226	180	112	79.1	79.1	NUM
fsr-3226	180	113	%	%	NOUN
fsr-3226	180	114	black	black	ADJ
fsr-3226	180	115	12.6	12.6	NUM
fsr-3226	180	116	%	%	NOUN
fsr-3226	180	117	6.3	6.3	NUM
fsr-3226	180	118	%	%	NOUN
fsr-3226	180	119	10.1	10.1	NUM
fsr-3226	180	120	%	%	NOUN
fsr-3226	180	121	12.4	12.4	NUM
fsr-3226	180	122	%	%	NOUN
fsr-3226	180	123	14.4	14.4	NUM
fsr-3226	180	124	%	%	NOUN
fsr-3226	180	125	hispanic	hispanic	NOUN
fsr-3226	180	126	5.9	5.9	NUM
fsr-3226	180	127	%	%	NOUN
fsr-3226	180	128	3.4	3.4	NUM
fsr-3226	180	129	%	%	NOUN
fsr-3226	180	130	5.8	5.8	NUM
fsr-3226	180	131	%	%	NOUN
fsr-3226	180	132	5.4	5.4	NUM
fsr-3226	180	133	%	%	NOUN
fsr-3226	180	134	6.5	6.5	NUM
fsr-3226	180	135	%	%	NOUN
fsr-3226	180	136	male	male	NOUN
fsr-3226	180	137	50.2	50.2	NUM
fsr-3226	180	138	%	%	NOUN
fsr-3226	180	139	45.7	45.7	NUM
fsr-3226	180	140	%	%	NOUN
fsr-3226	180	141	56.1	56.1	NUM
fsr-3226	180	142	%	%	NOUN
fsr-3226	180	143	50.7	50.7	NUM
fsr-3226	180	144	%	%	NOUN
fsr-3226	180	145	50.5	50.5	NUM
fsr-3226	180	146	%	%	NOUN
fsr-3226	180	147	female	female	NOUN
fsr-3226	180	148	49.8	49.8	NUM
fsr-3226	180	149	%	%	NOUN
fsr-3226	180	150	54.3	54.3	NUM
fsr-3226	180	151	%	%	NOUN
fsr-3226	180	152	43.9	43.9	NUM
fsr-3226	180	153	%	%	NOUN
fsr-3226	180	154	49.3	49.3	NUM
fsr-3226	180	155	%	%	NOUN
fsr-3226	180	156	49.5	49.5	NUM
fsr-3226	180	157	%	%	NOUN
fsr-3226	180	158	married	marry	VERB
fsr-3226	180	159	67.6	67.6	NUM
fsr-3226	180	160	%	%	NOUN
fsr-3226	180	161	78.9	78.9	NUM
fsr-3226	180	162	%	%	NOUN
fsr-3226	180	163	74.1	74.1	NUM
fsr-3226	180	164	%	%	NOUN
fsr-3226	180	165	71.8	71.8	NUM
fsr-3226	180	166	%	%	NOUN
fsr-3226	180	167	63.6	63.6	NUM
fsr-3226	180	168	%	%	NOUN
fsr-3226	180	169	less	less	ADJ
fsr-3226	180	170	than	than	ADP
fsr-3226	180	171	high	high	ADJ
fsr-3226	180	172	school	school	NOUN
fsr-3226	180	173	5.6	5.6	NUM
fsr-3226	180	174	%	%	NOUN
fsr-3226	180	175	0.4	0.4	NUM
fsr-3226	180	176	%	%	NOUN
fsr-3226	180	177	2.6	2.6	NUM
fsr-3226	180	178	%	%	NOUN
fsr-3226	180	179	2.3	2.3	NUM
fsr-3226	180	180	%	%	NOUN
fsr-3226	180	181	7.7	7.7	NUM
fsr-3226	180	182	%	%	NOUN
fsr-3226	180	183	high	high	ADJ
fsr-3226	180	184	school	school	NOUN
fsr-3226	180	185	education	education	NOUN
fsr-3226	180	186	39.3	39.3	NUM
fsr-3226	180	187	%	%	NOUN
fsr-3226	180	188	21.4	21.4	NUM
fsr-3226	180	189	%	%	NOUN
fsr-3226	180	190	30.5	30.5	NUM
fsr-3226	180	191	%	%	NOUN
fsr-3226	180	192	33.6	33.6	NUM
fsr-3226	180	193	%	%	NOUN
fsr-3226	180	194	45.3	45.3	NUM
fsr-3226	180	195	%	%	NOUN
fsr-3226	180	196	some	some	DET
fsr-3226	180	197	college	college	NOUN
fsr-3226	180	198	24.4	24.4	NUM
fsr-3226	180	199	%	%	NOUN
fsr-3226	180	200	19.7	19.7	NUM
fsr-3226	180	201	%	%	NOUN
fsr-3226	180	202	27.5	27.5	NUM
fsr-3226	180	203	%	%	NOUN
fsr-3226	180	204	26.1	26.1	NUM
fsr-3226	180	205	%	%	NOUN
fsr-3226	180	206	24.9	24.9	NUM
fsr-3226	180	207	%	%	NOUN
fsr-3226	180	208	college	college	NOUN
fsr-3226	180	209	degree	degree	NOUN
fsr-3226	180	210	30.7	30.7	NUM
fsr-3226	180	211	%	%	NOUN
fsr-3226	180	212	58.6	58.6	NUM
fsr-3226	180	213	%	%	NOUN
fsr-3226	180	214	39.4	39.4	NUM
fsr-3226	180	215	%	%	NOUN
fsr-3226	180	216	38.0	38.0	NUM
fsr-3226	180	217	%	%	NOUN
fsr-3226	180	218	22.2	22.2	NUM
fsr-3226	180	219	%	%	NOUN
fsr-3226	180	220	urban	urban	ADJ
fsr-3226	180	221	74.4	74.4	NUM
fsr-3226	180	222	%	%	NOUN
fsr-3226	180	223	75.4	75.4	NUM
fsr-3226	180	224	%	%	NOUN
fsr-3226	180	225	71.0	71.0	NUM
fsr-3226	180	226	%	%	NOUN
fsr-3226	180	227	77.8	77.8	NUM
fsr-3226	180	228	%	%	NOUN
fsr-3226	180	229	74.0	74.0	NUM
fsr-3226	180	230	%	%	NOUN
fsr-3226	180	231	unemployed	unemployed	ADJ
fsr-3226	180	232	16.7	16.7	NUM
fsr-3226	180	233	%	%	NOUN
fsr-3226	180	234	10.4	10.4	NUM
fsr-3226	180	235	%	%	NOUN
fsr-3226	180	236	12.5	12.5	NUM
fsr-3226	180	237	%	%	NOUN
fsr-3226	180	238	9.7	9.7	NUM
fsr-3226	180	239	%	%	NOUN
fsr-3226	180	240	19.6	19.6	NUM
fsr-3226	180	241	%	%	NOUN
fsr-3226	180	242	employed	employ	VERB
fsr-3226	180	243	80.4	80.4	NUM
fsr-3226	180	244	%	%	NOUN
fsr-3226	180	245	87.3	87.3	NUM
fsr-3226	180	246	%	%	NOUN
fsr-3226	180	247	85.3	85.3	NUM
fsr-3226	180	248	%	%	NOUN
fsr-3226	180	249	87.7	87.7	NUM
fsr-3226	180	250	%	%	NOUN
fsr-3226	180	251	77.2	77.2	NUM
fsr-3226	180	252	%	%	NOUN
fsr-3226	180	253	unable	unable	ADJ
fsr-3226	180	254	to	to	PART
fsr-3226	180	255	work	work	VERB
fsr-3226	180	256	0.8	0.8	NUM
fsr-3226	180	257	%	%	NOUN
fsr-3226	180	258	0.7	0.7	NUM
fsr-3226	180	259	%	%	NOUN
fsr-3226	180	260	0.5	0.5	NUM
fsr-3226	180	261	%	%	NOUN
fsr-3226	180	262	0.7	0.7	NUM
fsr-3226	180	263	%	%	NOUN
fsr-3226	180	264	0.9	0.9	NUM
fsr-3226	180	265	%	%	NOUN
fsr-3226	180	266	work	work	NOUN
fsr-3226	180	267	/	/	SYM
fsr-3226	180	268	other	other	ADJ
fsr-3226	180	269	2.1	2.1	NUM
fsr-3226	180	270	%	%	NOUN
fsr-3226	180	271	1.6	1.6	NUM
fsr-3226	180	272	%	%	NOUN
fsr-3226	180	273	1.7	1.7	NUM
fsr-3226	180	274	%	%	NOUN
fsr-3226	180	275	1.9	1.9	NUM
fsr-3226	180	276	%	%	NOUN
fsr-3226	180	277	2.3	2.3	NUM
fsr-3226	180	278	%	%	NOUN
fsr-3226	180	279	has	have	VERB
fsr-3226	180	280	health	health	NOUN
fsr-3226	180	281	insurance	insurance	NOUN
fsr-3226	180	282	86.8	86.8	NUM
fsr-3226	180	283	%	%	NOUN
fsr-3226	180	284	97.5	97.5	NUM
fsr-3226	180	285	%	%	NOUN
fsr-3226	180	286	92.5	92.5	NUM
fsr-3226	180	287	%	%	NOUN
fsr-3226	180	288	91.9	91.9	NUM
fsr-3226	180	289	%	%	NOUN
fsr-3226	180	290	82.9	82.9	NUM
fsr-3226	180	291	%	%	NOUN
fsr-3226	180	292	chronic	chronic	ADJ
fsr-3226	180	293	health	health	NOUN
fsr-3226	180	294	issue	issue	NOUN
fsr-3226	180	295	in	in	ADP
fsr-3226	180	296	household	household	NOUN
fsr-3226	180	297	10.3	10.3	NUM
fsr-3226	180	298	%	%	NOUN
fsr-3226	180	299	5.0	5.0	NUM
fsr-3226	180	300	%	%	NOUN
fsr-3226	180	301	7.7	7.7	NUM
fsr-3226	180	302	%	%	NOUN
fsr-3226	180	303	7.6	7.6	NUM
fsr-3226	180	304	%	%	NOUN
fsr-3226	180	305	12.3	12.3	NUM
fsr-3226	180	306	%	%	NOUN
fsr-3226	180	307	mean	mean	NOUN
fsr-3226	180	308	income	income	NOUN
fsr-3226	180	309	$	$	SYM
fsr-3226	180	310	398,534	398,534	NUM
fsr-3226	180	311	$	$	SYM
fsr-3226	180	312	83,837	83,837	NUM
fsr-3226	180	313	$	$	SYM
fsr-3226	180	314	65,814	65,814	NUM
fsr-3226	180	315	$	$	SYM
fsr-3226	180	316	69,968	69,968	NUM
fsr-3226	180	317	$	$	SYM
fsr-3226	180	318	42,570	42,570	NUM
fsr-3226	180	319	mean	mean	NOUN
fsr-3226	180	320	net	net	ADJ
fsr-3226	180	321	worth	worth	ADJ
fsr-3226	180	322	$	$	SYM
fsr-3226	180	323	53,425	53,425	NUM
fsr-3226	180	324	$	$	SYM
fsr-3226	180	325	893,340	893,340	NUM
fsr-3226	180	326	$	$	SYM
fsr-3226	180	327	604,925	604,925	NUM
fsr-3226	180	328	$	$	SYM
fsr-3226	180	329	514,538	514,538	NUM
fsr-3226	180	330	$	$	SYM
fsr-3226	180	331	244,280	244,280	NUM
fsr-3226	180	332	mean	mean	NOUN
fsr-3226	180	333	retirement	retirement	NOUN
fsr-3226	180	334	account	account	VERB
fsr-3226	180	335	$	$	SYM
fsr-3226	180	336	26,827	26,827	NUM
fsr-3226	180	337	$	$	SYM
fsr-3226	180	338	80,237	80,237	NUM
fsr-3226	180	339	$	$	SYM
fsr-3226	180	340	37,013	37,013	NUM
fsr-3226	180	341	$	$	SYM
fsr-3226	180	342	32,274	32,274	NUM
fsr-3226	180	343	$	$	SYM
fsr-3226	180	344	12,608	12,608	NUM
fsr-3226	180	345	defined	define	VERB
fsr-3226	180	346	benefit	benefit	NOUN
fsr-3226	180	347	plan	plan	NOUN
fsr-3226	180	348	ownership	ownership	NOUN
fsr-3226	180	349	17.8	17.8	NUM
fsr-3226	180	350	%	%	NOUN
fsr-3226	180	351	22.4	22.4	NUM
fsr-3226	180	352	%	%	NOUN
fsr-3226	180	353	22.6	22.6	NUM
fsr-3226	180	354	%	%	NOUN
fsr-3226	180	355	20.3	20.3	NUM
fsr-3226	180	356	%	%	NOUN
fsr-3226	180	357	15.8	15.8	NUM
fsr-3226	180	358	%	%	NOUN
fsr-3226	180	359	stock	stock	NOUN
fsr-3226	180	360	ownership	ownership	NOUN
fsr-3226	180	361	16.3	16.3	NUM
fsr-3226	180	362	%	%	NOUN
fsr-3226	180	363	33.2	33.2	NUM
fsr-3226	180	364	%	%	NOUN
fsr-3226	180	365	21.8	21.8	NUM
fsr-3226	180	366	%	%	NOUN
fsr-3226	180	367	19.3	19.3	NUM
fsr-3226	180	368	%	%	NOUN
fsr-3226	180	369	11.4	11.4	NUM
fsr-3226	180	370	%	%	NOUN
fsr-3226	180	371	homeowners	homeowner	NOUN
fsr-3226	180	372	74.6	74.6	NUM
fsr-3226	180	373	%	%	NOUN
fsr-3226	180	374	90.8	90.8	NUM
fsr-3226	180	375	%	%	NOUN
fsr-3226	180	376	85.2	85.2	NUM
fsr-3226	180	377	%	%	NOUN
fsr-3226	180	378	83.6	83.6	NUM
fsr-3226	180	379	%	%	NOUN
fsr-3226	180	380	68.3	68.3	NUM
fsr-3226	180	381	%	%	NOUN
fsr-3226	180	382	mean	mean	NOUN
fsr-3226	180	383	score	score	NOUN
fsr-3226	180	384	of	of	ADP
fsr-3226	180	385	risk	risk	NOUN
fsr-3226	180	386	tolerance	tolerance	NOUN
fsr-3226	180	387	3.7	3.7	NUM
fsr-3226	180	388	4.4	4.4	NUM
fsr-3226	180	389	4.1	4.1	NUM
fsr-3226	180	390	4.1	4.1	NUM
fsr-3226	180	391	3.4	3.4	NUM
fsr-3226	180	392	trust	trust	NOUN
fsr-3226	180	393	2.2	2.2	NUM
fsr-3226	180	394	2.5	2.5	NUM
fsr-3226	180	395	2.3	2.3	NUM
fsr-3226	180	396	2.2	2.2	NUM
fsr-3226	180	397	2.1	2.1	NUM
fsr-3226	180	398	source	source	NOUN
fsr-3226	180	399	:	:	PUNCT
fsr-3226	180	400	restricted	restrict	VERB
fsr-3226	180	401	sample	sample	NOUN
fsr-3226	180	402	of	of	ADP
fsr-3226	180	403	the	the	DET
fsr-3226	180	404	nsly79	nsly79	NOUN
fsr-3226	180	405	,	,	PUNCT
fsr-3226	180	406	2010	2010	NUM
fsr-3226	180	407	and	and	CCONJ
fsr-3226	180	408	2012	2012	NUM
fsr-3226	180	409	waves	wave	NOUN
fsr-3226	180	410	.	.	PUNCT
fsr-3226	181	1	percentages	percentage	NOUN
fsr-3226	181	2	are	be	AUX
fsr-3226	181	3	weighted	weight	VERB
fsr-3226	181	4	proportions	proportion	NOUN
fsr-3226	181	5	.	.	PUNCT
fsr-3226	182	1	ak	ak	PROPN
fsr-3226	182	2	�	�	PROPN
fsr-3226	182	3	knowledge	knowledge	NOUN
fsr-3226	182	4	;	;	PUNCT
fsr-3226	182	5	c	c	PROPN
fsr-3226	182	6	�	�	PROPN
fsr-3226	182	7	confidence	confidence	NOUN
fsr-3226	182	8	;	;	PUNCT
fsr-3226	182	9	a	a	DET
fsr-3226	182	10	�	�	PROPN
fsr-3226	182	11	capability	capability	NOUN
fsr-3226	182	12	.	.	PUNCT
fsr-3226	183	1	340	340	NUM
fsr-3226	183	2	m.c	m.c	PROPN
fsr-3226	183	3	.	.	PROPN
fsr-3226	183	4	seay	seay	PROPN
fsr-3226	183	5	et	et	PROPN
fsr-3226	183	6	al	al	PROPN
fsr-3226	183	7	.	.	PUNCT
fsr-3226	183	8	/	/	SYM
fsr-3226	183	9	financial	financial	ADJ
fsr-3226	183	10	services	service	NOUN
fsr-3226	183	11	review	review	VERB
fsr-3226	183	12	25	25	NUM
fsr-3226	183	13	(	(	PUNCT
fsr-3226	183	14	2016	2016	NUM
fsr-3226	183	15	)	)	PUNCT
fsr-3226	184	1	331–350	331–350	NUM
fsr-3226	184	2	advice	advice	NOUN
fsr-3226	184	3	than	than	ADP
fsr-3226	184	4	otherwise	otherwise	ADV
fsr-3226	184	5	similar	similar	ADJ
fsr-3226	184	6	households	household	NOUN
fsr-3226	184	7	.	.	PUNCT
fsr-3226	185	1	in	in	ADP
fsr-3226	185	2	particular	particular	ADJ
fsr-3226	185	3	,	,	PUNCT
fsr-3226	185	4	correctly	correctly	ADV
fsr-3226	185	5	answering	answer	VERB
fsr-3226	185	6	the	the	DET
fsr-3226	185	7	diversification	diversification	NOUN
fsr-3226	185	8	question	question	NOUN
fsr-3226	185	9	increases	increase	VERB
fsr-3226	185	10	the	the	DET
fsr-3226	185	11	odds	odd	NOUN
fsr-3226	185	12	of	of	ADP
fsr-3226	185	13	adopting	adopt	VERB
fsr-3226	185	14	a	a	DET
fsr-3226	185	15	planner	planner	NOUN
fsr-3226	185	16	by	by	ADP
fsr-3226	185	17	33.4	33.4	NUM
fsr-3226	185	18	%	%	NOUN
fsr-3226	185	19	,	,	PUNCT
fsr-3226	185	20	while	while	SCONJ
fsr-3226	185	21	a	a	DET
fsr-3226	185	22	one	one	NUM
fsr-3226	185	23	unit	unit	NOUN
fsr-3226	185	24	increase	increase	NOUN
fsr-3226	185	25	in	in	ADP
fsr-3226	185	26	subjective	subjective	ADJ
fsr-3226	185	27	knowledge	knowledge	NOUN
fsr-3226	185	28	increases	increase	VERB
fsr-3226	185	29	the	the	DET
fsr-3226	185	30	odds	odd	NOUN
fsr-3226	185	31	of	of	ADP
fsr-3226	185	32	adopting	adopt	VERB
fsr-3226	185	33	a	a	DET
fsr-3226	185	34	planner	planner	NOUN
fsr-3226	185	35	by	by	ADP
fsr-3226	185	36	16.5	16.5	NUM
fsr-3226	185	37	%	%	NOUN
fsr-3226	185	38	.	.	PUNCT
fsr-3226	186	1	adopting	adopt	VERB
fsr-3226	186	2	a	a	DET
fsr-3226	186	3	planner	planner	NOUN
fsr-3226	186	4	is	be	AUX
fsr-3226	186	5	also	also	ADV
fsr-3226	186	6	found	find	VERB
fsr-3226	186	7	to	to	PART
fsr-3226	186	8	be	be	AUX
fsr-3226	186	9	positively	positively	ADV
fsr-3226	186	10	associated	associate	VERB
fsr-3226	186	11	with	with	ADP
fsr-3226	186	12	homeownership	homeownership	NOUN
fsr-3226	186	13	,	,	PUNCT
fsr-3226	186	14	net	net	ADJ
fsr-3226	186	15	worth	worth	NOUN
fsr-3226	186	16	,	,	PUNCT
fsr-3226	186	17	retirement	retirement	NOUN
fsr-3226	186	18	assets	asset	NOUN
fsr-3226	186	19	,	,	PUNCT
fsr-3226	186	20	and	and	CCONJ
fsr-3226	186	21	risk	risk	NOUN
fsr-3226	186	22	tolerance	tolerance	NOUN
fsr-3226	186	23	.	.	PUNCT
fsr-3226	187	1	table	table	NOUN
fsr-3226	187	2	4	4	NUM
fsr-3226	187	3	presents	present	VERB
fsr-3226	187	4	the	the	DET
fsr-3226	187	5	comparison	comparison	NOUN
fsr-3226	187	6	between	between	ADP
fsr-3226	187	7	those	those	PRON
fsr-3226	187	8	had	have	VERB
fsr-3226	187	9	a	a	DET
fsr-3226	187	10	planner	planner	NOUN
fsr-3226	187	11	in	in	ADP
fsr-3226	187	12	each	each	DET
fsr-3226	187	13	time	time	NOUN
fsr-3226	187	14	period	period	NOUN
fsr-3226	187	15	and	and	CCONJ
fsr-3226	187	16	those	those	PRON
fsr-3226	187	17	who	who	PRON
fsr-3226	187	18	dropped	drop	VERB
fsr-3226	187	19	a	a	DET
fsr-3226	187	20	planner	planner	NOUN
fsr-3226	187	21	in	in	ADP
fsr-3226	187	22	2012	2012	NUM
fsr-3226	187	23	.	.	PUNCT
fsr-3226	188	1	this	this	DET
fsr-3226	188	2	comparison	comparison	NOUN
fsr-3226	188	3	is	be	AUX
fsr-3226	188	4	important	important	ADJ
fsr-3226	188	5	as	as	SCONJ
fsr-3226	188	6	it	it	PRON
fsr-3226	188	7	isolates	isolate	VERB
fsr-3226	188	8	the	the	DET
fsr-3226	188	9	decision	decision	NOUN
fsr-3226	188	10	table	table	NOUN
fsr-3226	188	11	2	2	NUM
fsr-3226	188	12	baseline	baseline	NOUN
fsr-3226	188	13	model	model	NOUN
fsr-3226	188	14	:	:	PUNCT
fsr-3226	188	15	binomial	binomial	ADJ
fsr-3226	188	16	logistic	logistic	ADJ
fsr-3226	188	17	regression	regression	NOUN
fsr-3226	188	18	of	of	ADP
fsr-3226	188	19	financial	financial	ADJ
fsr-3226	188	20	planner	planner	NOUN
fsr-3226	188	21	use	use	NOUN
fsr-3226	188	22	,	,	PUNCT
fsr-3226	188	23	2012	2012	NUM
fsr-3226	188	24	nlsy79	nlsy79	ADJ
fsr-3226	188	25	variable	variable	ADJ
fsr-3226	188	26	coeff	coeff	PROPN
fsr-3226	188	27	.	.	PUNCT
fsr-3226	189	1	se	se	PROPN
fsr-3226	189	2	odds	odd	VERB
fsr-3226	189	3	ratio	ratio	VERB
fsr-3226	189	4	financial	financial	ADJ
fsr-3226	189	5	literacy	literacy	NOUN
fsr-3226	189	6	measuresa	measuresa	ADJ
fsr-3226	189	7	k	k	NOUN
fsr-3226	189	8	:	:	PUNCT
fsr-3226	189	9	diversification	diversification	NOUN
fsr-3226	189	10	0.3747	0.3747	PRON
fsr-3226	189	11	*	*	PUNCT
fsr-3226	189	12	*	*	PUNCT
fsr-3226	189	13	*	*	PUNCT
fsr-3226	189	14	0.0912	0.0912	NUM
fsr-3226	189	15	1.455	1.455	NUM
fsr-3226	189	16	k	k	NOUN
fsr-3226	189	17	:	:	PUNCT
fsr-3226	189	18	compound	compound	NOUN
fsr-3226	189	19	interest	interest	NOUN
fsr-3226	189	20	0.1219	0.1219	NUM
fsr-3226	189	21	0.0953	0.0953	NUM
fsr-3226	189	22	1.130	1.130	NUM
fsr-3226	189	23	k	k	NOUN
fsr-3226	189	24	:	:	PUNCT
fsr-3226	189	25	inflation	inflation	NOUN
fsr-3226	189	26	�	�	PROPN
fsr-3226	189	27	0.0438	0.0438	NUM
fsr-3226	189	28	0.1051	0.1051	NUM
fsr-3226	189	29	0.957	0.957	NUM
fsr-3226	189	30	k	k	NOUN
fsr-3226	189	31	:	:	PUNCT
fsr-3226	189	32	bonds	bond	NOUN
fsr-3226	189	33	0.0550	0.0550	NUM
fsr-3226	189	34	0.0788	0.0788	NUM
fsr-3226	189	35	1.057	1.057	NUM
fsr-3226	189	36	k	k	NOUN
fsr-3226	189	37	:	:	PUNCT
fsr-3226	189	38	mortgage	mortgage	NOUN
fsr-3226	189	39	0.3563	0.3563	NUM
fsr-3226	189	40	*	*	SYM
fsr-3226	189	41	0.1514	0.1514	NUM
fsr-3226	189	42	1.428	1.428	NUM
fsr-3226	189	43	c	c	NOUN
fsr-3226	189	44	:	:	PUNCT
fsr-3226	189	45	subjective	subjective	ADJ
fsr-3226	189	46	knowledge	knowledge	NOUN
fsr-3226	189	47	0.0622	0.0622	NUM
fsr-3226	189	48	*	*	PUNCT
fsr-3226	189	49	0.0312	0.0312	NUM
fsr-3226	189	50	1.064	1.064	NUM
fsr-3226	189	51	c	c	NOUN
fsr-3226	189	52	:	:	PUNCT
fsr-3226	189	53	day	day	NOUN
fsr-3226	189	54	-	-	PUNCT
fsr-3226	189	55	to	to	ADP
fsr-3226	189	56	-	-	PUNCT
fsr-3226	189	57	day	day	NOUN
fsr-3226	189	58	finances	finance	NOUN
fsr-3226	189	59	�	�	NOUN
fsr-3226	189	60	0.0049	0.0049	NUM
fsr-3226	189	61	0.0255	0.0255	NUM
fsr-3226	189	62	0.995	0.995	NUM
fsr-3226	189	63	c	c	NOUN
fsr-3226	189	64	:	:	PUNCT
fsr-3226	189	65	rotter	rotter	NOUN
fsr-3226	189	66	locus	locus	NOUN
fsr-3226	189	67	of	of	ADP
fsr-3226	189	68	control	control	NOUN
fsr-3226	189	69	0.0519	0.0519	PROPN
fsr-3226	189	70	*	*	PUNCT
fsr-3226	189	71	*	*	PUNCT
fsr-3226	190	1	0.0163	0.0163	NUM
fsr-3226	190	2	1.053	1.053	NUM
fsr-3226	190	3	a	a	DET
fsr-3226	190	4	:	:	PUNCT
fsr-3226	190	5	afqt	afqt	NOUN
fsr-3226	190	6	(	(	PUNCT
fsr-3226	190	7	intelligence	intelligence	NOUN
fsr-3226	190	8	)	)	PUNCT
fsr-3226	190	9	0.00137	0.00137	NUM
fsr-3226	190	10	0.0019	0.0019	NUM
fsr-3226	190	11	1.001	1.001	NUM
fsr-3226	190	12	control	control	NOUN
fsr-3226	190	13	variables	variable	NOUN
fsr-3226	190	14	age	age	NOUN
fsr-3226	190	15	0.0092	0.0092	NUM
fsr-3226	190	16	0.0159	0.0159	NUM
fsr-3226	190	17	1.009	1.009	NUM
fsr-3226	190	18	male	male	NOUN
fsr-3226	190	19	(	(	PUNCT
fsr-3226	190	20	ref	ref	NOUN
fsr-3226	190	21	.	.	PUNCT
fsr-3226	191	1	:	:	PUNCT
fsr-3226	191	2	female	female	ADJ
fsr-3226	191	3	)	)	PUNCT
fsr-3226	191	4	�	�	PROPN
fsr-3226	191	5	0.2147	0.2147	NUM
fsr-3226	191	6	*	*	PUNCT
fsr-3226	192	1	*	*	PROPN
fsr-3226	192	2	0.0777	0.0777	NUM
fsr-3226	192	3	0.807	0.807	NUM
fsr-3226	192	4	married	married	ADJ
fsr-3226	192	5	(	(	PUNCT
fsr-3226	192	6	ref	ref	NOUN
fsr-3226	192	7	.	.	PUNCT
fsr-3226	192	8	:	:	PUNCT
fsr-3226	192	9	unmarried	unmarrie	VERB
fsr-3226	192	10	0.1160	0.1160	NUM
fsr-3226	192	11	0.0877	0.0877	NUM
fsr-3226	192	12	1.123	1.123	NUM
fsr-3226	192	13	racial	racial	ADJ
fsr-3226	192	14	/	/	SYM
fsr-3226	192	15	ethnicity	ethnicity	NOUN
fsr-3226	192	16	(	(	PUNCT
fsr-3226	192	17	ref	ref	NOUN
fsr-3226	192	18	.	.	PUNCT
fsr-3226	193	1	:	:	PUNCT
fsr-3226	193	2	white	white	ADJ
fsr-3226	193	3	)	)	PUNCT
fsr-3226	193	4	black	black	ADJ
fsr-3226	193	5	0.0974	0.0974	NUM
fsr-3226	193	6	0.1400	0.1400	NUM
fsr-3226	193	7	1.102	1.102	NUM
fsr-3226	193	8	hispanic	hispanic	ADJ
fsr-3226	193	9	0.1363	0.1363	NUM
fsr-3226	193	10	0.1743	0.1743	NUM
fsr-3226	193	11	1.146	1.146	NUM
fsr-3226	193	12	education	education	NOUN
fsr-3226	193	13	(	(	PUNCT
fsr-3226	193	14	ref	ref	NOUN
fsr-3226	193	15	.	.	PUNCT
fsr-3226	193	16	:	:	PUNCT
fsr-3226	193	17	less	less	ADJ
fsr-3226	193	18	than	than	ADP
fsr-3226	193	19	high	high	ADJ
fsr-3226	193	20	school	school	NOUN
fsr-3226	193	21	)	)	PUNCT
fsr-3226	193	22	high	high	ADJ
fsr-3226	193	23	school	school	NOUN
fsr-3226	193	24	education	education	NOUN
fsr-3226	193	25	0.6382	0.6382	NUM
fsr-3226	193	26	*	*	NOUN
fsr-3226	193	27	0.2946	0.2946	NUM
fsr-3226	193	28	1.893	1.893	NUM
fsr-3226	193	29	some	some	DET
fsr-3226	193	30	college	college	NOUN
fsr-3226	193	31	0.9136	0.9136	NUM
fsr-3226	193	32	*	*	PUNCT
fsr-3226	193	33	*	*	PUNCT
fsr-3226	193	34	0.3008	0.3008	NUM
fsr-3226	193	35	2.493	2.493	NUM
fsr-3226	193	36	college	college	NOUN
fsr-3226	193	37	degree	degree	NOUN
fsr-3226	193	38	1.2329	1.2329	NUM
fsr-3226	193	39	*	*	PUNCT
fsr-3226	193	40	*	*	PUNCT
fsr-3226	193	41	*	*	PUNCT
fsr-3226	193	42	0.3064	0.3064	NUM
fsr-3226	193	43	3.431	3.431	NUM
fsr-3226	193	44	employment	employment	NOUN
fsr-3226	193	45	status	status	NOUN
fsr-3226	193	46	(	(	PUNCT
fsr-3226	193	47	ref	ref	NOUN
fsr-3226	193	48	.	.	PUNCT
fsr-3226	193	49	:	:	PUNCT
fsr-3226	193	50	employed	employ	VERB
fsr-3226	193	51	)	)	PUNCT
fsr-3226	193	52	unemployed	unemployed	ADJ
fsr-3226	193	53	�	�	PROPN
fsr-3226	193	54	0.2642	0.2642	NUM
fsr-3226	193	55	0.1624	0.1624	NUM
fsr-3226	193	56	0.768	0.768	NUM
fsr-3226	193	57	unable	unable	ADJ
fsr-3226	193	58	to	to	PART
fsr-3226	193	59	work	work	VERB
fsr-3226	193	60	0.3742	0.3742	NUM
fsr-3226	193	61	0.4451	0.4451	NUM
fsr-3226	193	62	1.454	1.454	NUM
fsr-3226	193	63	work	work	NOUN
fsr-3226	193	64	/	/	SYM
fsr-3226	193	65	other	other	ADJ
fsr-3226	193	66	�	�	PROPN
fsr-3226	193	67	0.2002	0.2002	NUM
fsr-3226	193	68	0.2864	0.2864	NUM
fsr-3226	193	69	0.819	0.819	NUM
fsr-3226	193	70	urban	urban	ADJ
fsr-3226	193	71	(	(	PUNCT
fsr-3226	193	72	ref	ref	NOUN
fsr-3226	193	73	.	.	PUNCT
fsr-3226	193	74	:	:	PUNCT
fsr-3226	194	1	no	no	INTJ
fsr-3226	194	2	)	)	PUNCT
fsr-3226	194	3	�	�	NOUN
fsr-3226	194	4	0.1848	0.1848	NUM
fsr-3226	194	5	*	*	NOUN
fsr-3226	194	6	0.0848	0.0848	NUM
fsr-3226	194	7	0.831	0.831	NUM
fsr-3226	194	8	has	have	VERB
fsr-3226	194	9	health	health	NOUN
fsr-3226	194	10	insurance	insurance	NOUN
fsr-3226	194	11	(	(	PUNCT
fsr-3226	194	12	ref	ref	NOUN
fsr-3226	194	13	.	.	PUNCT
fsr-3226	195	1	:	:	PUNCT
fsr-3226	195	2	no	no	INTJ
fsr-3226	195	3	)	)	PUNCT
fsr-3226	195	4	0.4955	0.4955	NUM
fsr-3226	195	5	*	*	PUNCT
fsr-3226	196	1	*	*	PUNCT
fsr-3226	196	2	0.1620	0.1620	NUM
fsr-3226	196	3	1.641	1.641	NUM
fsr-3226	196	4	chronic	chronic	ADJ
fsr-3226	196	5	health	health	NOUN
fsr-3226	196	6	issue	issue	NOUN
fsr-3226	196	7	in	in	ADP
fsr-3226	196	8	household	household	NOUN
fsr-3226	196	9	(	(	PUNCT
fsr-3226	196	10	ref	ref	NOUN
fsr-3226	196	11	.	.	PUNCT
fsr-3226	197	1	:	:	PUNCT
fsr-3226	197	2	no	no	INTJ
fsr-3226	197	3	)	)	PUNCT
fsr-3226	197	4	�	�	NOUN
fsr-3226	197	5	0.2875	0.2875	NUM
fsr-3226	197	6	*	*	NOUN
fsr-3226	197	7	0.1451	0.1451	NUM
fsr-3226	197	8	0.750	0.750	NUM
fsr-3226	197	9	income	income	NOUN
fsr-3226	197	10	(	(	PUNCT
fsr-3226	197	11	ln	ln	ADJ
fsr-3226	197	12	)	)	PUNCT
fsr-3226	197	13	�	�	NOUN
fsr-3226	197	14	0.0217	0.0217	NUM
fsr-3226	197	15	*	*	SYM
fsr-3226	197	16	0.0101	0.0101	NUM
fsr-3226	197	17	0.979	0.979	NUM
fsr-3226	197	18	net	net	ADJ
fsr-3226	197	19	worth	worth	NOUN
fsr-3226	197	20	(	(	PUNCT
fsr-3226	197	21	ln	ln	ADJ
fsr-3226	197	22	)	)	PUNCT
fsr-3226	197	23	0.0447	0.0447	NUM
fsr-3226	198	1	*	*	PUNCT
fsr-3226	198	2	*	*	PUNCT
fsr-3226	198	3	*	*	PUNCT
fsr-3226	198	4	0.0090	0.0090	NUM
fsr-3226	198	5	1.046	1.046	NUM
fsr-3226	198	6	retirement	retirement	NOUN
fsr-3226	198	7	assets	asset	NOUN
fsr-3226	198	8	(	(	PUNCT
fsr-3226	198	9	ln	ln	ADJ
fsr-3226	198	10	)	)	PUNCT
fsr-3226	198	11	0.0707	0.0707	NUM
fsr-3226	198	12	*	*	PUNCT
fsr-3226	198	13	*	*	PUNCT
fsr-3226	198	14	*	*	PUNCT
fsr-3226	198	15	0.0075	0.0075	NUM
fsr-3226	198	16	1.073	1.073	NUM
fsr-3226	198	17	defined	define	VERB
fsr-3226	198	18	benefit	benefit	NOUN
fsr-3226	198	19	pension	pension	NOUN
fsr-3226	198	20	ownership	ownership	NOUN
fsr-3226	198	21	0.0777	0.0777	NUM
fsr-3226	198	22	0.0895	0.0895	NUM
fsr-3226	198	23	1.081	1.081	NUM
fsr-3226	198	24	stock	stock	NOUN
fsr-3226	198	25	ownership	ownership	NOUN
fsr-3226	198	26	0.3253	0.3253	NUM
fsr-3226	198	27	*	*	PUNCT
fsr-3226	198	28	*	*	PUNCT
fsr-3226	198	29	*	*	PUNCT
fsr-3226	198	30	0.0897	0.0897	NUM
fsr-3226	198	31	1.384	1.384	NUM
fsr-3226	198	32	homeowners	homeowner	NOUN
fsr-3226	198	33	0.2734	0.2734	NUM
fsr-3226	198	34	*	*	PUNCT
fsr-3226	198	35	0.1159	0.1159	NUM
fsr-3226	198	36	1.314	1.314	NUM
fsr-3226	198	37	risk	risk	NOUN
fsr-3226	198	38	tolerance	tolerance	NOUN
fsr-3226	198	39	0.0780	0.0780	NUM
fsr-3226	198	40	*	*	PUNCT
fsr-3226	198	41	*	*	PUNCT
fsr-3226	198	42	*	*	PUNCT
fsr-3226	199	1	0.0161	0.0161	NUM
fsr-3226	199	2	1.081	1.081	NUM
fsr-3226	199	3	trust	trust	NOUN
fsr-3226	199	4	0.1022	0.1022	NUM
fsr-3226	199	5	*	*	PUNCT
fsr-3226	199	6	0.0444	0.0444	NUM
fsr-3226	199	7	1.108	1.108	NUM
fsr-3226	199	8	intercept	intercept	NOUN
fsr-3226	199	9	�	�	PROPN
fsr-3226	199	10	5.8555	5.8555	NUM
fsr-3226	199	11	0.8912	0.8912	NUM
fsr-3226	199	12	concordance	concordance	NOUN
fsr-3226	199	13	(	(	PUNCT
fsr-3226	199	14	mean	mean	NOUN
fsr-3226	199	15	)	)	PUNCT
fsr-3226	199	16	77.1	77.1	NUM
fsr-3226	199	17	%	%	NOUN
fsr-3226	199	18	source	source	NOUN
fsr-3226	199	19	:	:	PUNCT
fsr-3226	199	20	restricted	restrict	VERB
fsr-3226	199	21	sample	sample	NOUN
fsr-3226	199	22	of	of	ADP
fsr-3226	199	23	the	the	DET
fsr-3226	199	24	nsly79	nsly79	NOUN
fsr-3226	199	25	,	,	PUNCT
fsr-3226	199	26	2012	2012	NUM
fsr-3226	199	27	wave	wave	NOUN
fsr-3226	199	28	.	.	PUNCT
fsr-3226	200	1	ak	ak	PROPN
fsr-3226	200	2	�	�	PROPN
fsr-3226	200	3	knowledge	knowledge	NOUN
fsr-3226	200	4	;	;	PUNCT
fsr-3226	200	5	c	c	PROPN
fsr-3226	200	6	�	�	PROPN
fsr-3226	200	7	confidence	confidence	NOUN
fsr-3226	200	8	;	;	PUNCT
fsr-3226	200	9	a	a	DET
fsr-3226	200	10	�	�	NOUN
fsr-3226	200	11	capability	capability	NOUN
fsr-3226	200	12	.	.	PUNCT
fsr-3226	201	1	*	*	PUNCT
fsr-3226	201	2	p	p	X
fsr-3226	201	3	�	�	PROPN
fsr-3226	201	4	.05	.05	NUM
fsr-3226	201	5	,	,	PUNCT
fsr-3226	201	6	*	*	PUNCT
fsr-3226	201	7	*	*	PUNCT
fsr-3226	201	8	p	p	PROPN
fsr-3226	201	9	�	�	PROPN
fsr-3226	201	10	.01	.01	NUM
fsr-3226	201	11	,	,	PUNCT
fsr-3226	201	12	*	*	PUNCT
fsr-3226	201	13	*	*	PUNCT
fsr-3226	201	14	*	*	PUNCT
fsr-3226	201	15	p	p	PROPN
fsr-3226	201	16	�	�	PROPN
fsr-3226	201	17	.001	.001	NUM
fsr-3226	201	18	.	.	PUNCT
fsr-3226	202	1	341m.c	341m.c	NUM
fsr-3226	202	2	.	.	PUNCT
fsr-3226	203	1	seay	seay	PROPN
fsr-3226	203	2	et	et	PROPN
fsr-3226	203	3	al	al	PROPN
fsr-3226	203	4	.	.	PUNCT
fsr-3226	203	5	/	/	SYM
fsr-3226	203	6	financial	financial	ADJ
fsr-3226	203	7	services	service	NOUN
fsr-3226	203	8	review	review	VERB
fsr-3226	203	9	25	25	NUM
fsr-3226	203	10	(	(	PUNCT
fsr-3226	203	11	2016	2016	NUM
fsr-3226	203	12	)	)	PUNCT
fsr-3226	204	1	331–350	331–350	NUM
fsr-3226	204	2	to	to	PART
fsr-3226	204	3	drop	drop	VERB
fsr-3226	204	4	a	a	DET
fsr-3226	204	5	planner	planner	NOUN
fsr-3226	204	6	in	in	ADP
fsr-3226	204	7	2012	2012	NUM
fsr-3226	204	8	.	.	PUNCT
fsr-3226	205	1	dropping	drop	VERB
fsr-3226	205	2	a	a	DET
fsr-3226	205	3	planner	planner	NOUN
fsr-3226	205	4	is	be	AUX
fsr-3226	205	5	negatively	negatively	ADV
fsr-3226	205	6	associated	associate	VERB
fsr-3226	205	7	with	with	ADP
fsr-3226	205	8	an	an	DET
fsr-3226	205	9	understanding	understanding	NOUN
fsr-3226	205	10	of	of	ADP
fsr-3226	205	11	diversification	diversification	NOUN
fsr-3226	205	12	(	(	PUNCT
fsr-3226	205	13	knowledge	knowledge	NOUN
fsr-3226	205	14	)	)	PUNCT
fsr-3226	205	15	and	and	CCONJ
fsr-3226	205	16	having	have	VERB
fsr-3226	205	17	an	an	DET
fsr-3226	205	18	internal	internal	ADJ
fsr-3226	205	19	locus	locus	NOUN
fsr-3226	205	20	of	of	ADP
fsr-3226	205	21	control	control	NOUN
fsr-3226	205	22	(	(	PUNCT
fsr-3226	205	23	confidence	confidence	NOUN
fsr-3226	205	24	)	)	PUNCT
fsr-3226	205	25	.	.	PUNCT
fsr-3226	206	1	specifically	specifically	ADV
fsr-3226	206	2	,	,	PUNCT
fsr-3226	206	3	correctly	correctly	ADV
fsr-3226	206	4	answering	answer	VERB
fsr-3226	206	5	the	the	DET
fsr-3226	206	6	diversification	diversification	NOUN
fsr-3226	206	7	question	question	NOUN
fsr-3226	206	8	decreases	decrease	VERB
fsr-3226	206	9	the	the	DET
fsr-3226	206	10	odds	odd	NOUN
fsr-3226	206	11	of	of	ADP
fsr-3226	206	12	dropping	drop	VERB
fsr-3226	206	13	a	a	DET
fsr-3226	206	14	planner	planner	NOUN
fsr-3226	206	15	by	by	ADP
fsr-3226	206	16	26.0	26.0	NUM
fsr-3226	206	17	%	%	NOUN
fsr-3226	206	18	,	,	PUNCT
fsr-3226	206	19	while	while	SCONJ
fsr-3226	206	20	a	a	DET
fsr-3226	206	21	one	one	NUM
fsr-3226	206	22	unit	unit	NOUN
fsr-3226	206	23	increase	increase	NOUN
fsr-3226	206	24	in	in	ADP
fsr-3226	206	25	the	the	DET
fsr-3226	206	26	locus	locus	NOUN
fsr-3226	206	27	of	of	ADP
fsr-3226	206	28	control	control	NOUN
fsr-3226	206	29	decreases	decrease	VERB
fsr-3226	206	30	the	the	DET
fsr-3226	206	31	odds	odd	NOUN
fsr-3226	206	32	of	of	ADP
fsr-3226	206	33	dropping	drop	VERB
fsr-3226	206	34	a	a	DET
fsr-3226	206	35	planner	planner	NOUN
fsr-3226	206	36	by	by	ADP
fsr-3226	206	37	6.3	6.3	NUM
fsr-3226	206	38	%	%	NOUN
fsr-3226	206	39	.	.	PUNCT
fsr-3226	207	1	dropping	drop	VERB
fsr-3226	207	2	a	a	DET
fsr-3226	207	3	planner	planner	NOUN
fsr-3226	207	4	is	be	AUX
fsr-3226	207	5	also	also	ADV
fsr-3226	207	6	negatively	negatively	ADV
fsr-3226	207	7	associated	associate	VERB
fsr-3226	207	8	with	with	ADP
fsr-3226	207	9	health	health	NOUN
fsr-3226	207	10	insurance	insurance	NOUN
fsr-3226	207	11	coverage	coverage	NOUN
fsr-3226	207	12	,	,	PUNCT
fsr-3226	207	13	education	education	NOUN
fsr-3226	207	14	,	,	PUNCT
fsr-3226	207	15	net	net	ADJ
fsr-3226	207	16	worth	worth	NOUN
fsr-3226	207	17	,	,	PUNCT
fsr-3226	207	18	retirement	retirement	NOUN
fsr-3226	207	19	assets	asset	NOUN
fsr-3226	207	20	,	,	PUNCT
fsr-3226	207	21	stock	stock	NOUN
fsr-3226	207	22	ownership	ownership	NOUN
fsr-3226	207	23	,	,	PUNCT
fsr-3226	207	24	and	and	CCONJ
fsr-3226	207	25	trust	trust	NOUN
fsr-3226	207	26	but	but	CCONJ
fsr-3226	207	27	positively	positively	ADV
fsr-3226	207	28	associated	associate	VERB
fsr-3226	207	29	with	with	ADP
fsr-3226	207	30	income	income	NOUN
fsr-3226	207	31	.	.	PUNCT
fsr-3226	208	1	table	table	NOUN
fsr-3226	208	2	3	3	NUM
fsr-3226	208	3	multinomial	multinomial	ADJ
fsr-3226	208	4	logistic	logistic	ADJ
fsr-3226	208	5	regression	regression	NOUN
fsr-3226	208	6	of	of	ADP
fsr-3226	208	7	financial	financial	ADJ
fsr-3226	208	8	planner	planner	NOUN
fsr-3226	208	9	use	use	NOUN
fsr-3226	208	10	(	(	PUNCT
fsr-3226	208	11	reference	reference	NOUN
fsr-3226	208	12	category	category	NOUN
fsr-3226	208	13	:	:	PUNCT
fsr-3226	208	14	no	no	DET
fsr-3226	208	15	planner	planner	NOUN
fsr-3226	208	16	)	)	PUNCT
fsr-3226	208	17	adopted	adopt	VERB
fsr-3226	208	18	a	a	DET
fsr-3226	208	19	planner	planner	NOUN
fsr-3226	208	20	in	in	ADP
fsr-3226	208	21	2012	2012	NUM
fsr-3226	208	22	coeff	coeff	PROPN
fsr-3226	208	23	.	.	PUNCT
fsr-3226	209	1	se	se	PROPN
fsr-3226	209	2	odds	odd	VERB
fsr-3226	209	3	ratio	ratio	NOUN
fsr-3226	209	4	k	k	NOUN
fsr-3226	209	5	:	:	PUNCT
fsr-3226	209	6	diversificationa	diversificationa	NOUN
fsr-3226	209	7	0.2882	0.2882	NUM
fsr-3226	209	8	*	*	PUNCT
fsr-3226	209	9	0.1335	0.1335	NUM
fsr-3226	209	10	1.334	1.334	NUM
fsr-3226	209	11	k	k	NOUN
fsr-3226	209	12	:	:	PUNCT
fsr-3226	209	13	compound	compound	NOUN
fsr-3226	209	14	interest	interest	NOUN
fsr-3226	209	15	0.0587	0.0587	NUM
fsr-3226	209	16	0.1391	0.1391	NUM
fsr-3226	209	17	1.060	1.060	NUM
fsr-3226	209	18	k	k	NOUN
fsr-3226	209	19	:	:	PUNCT
fsr-3226	209	20	inflation	inflation	NOUN
fsr-3226	209	21	0.0409	0.0409	NUM
fsr-3226	209	22	0.1579	0.1579	NUM
fsr-3226	209	23	1.042	1.042	NUM
fsr-3226	209	24	k	k	NOUN
fsr-3226	209	25	:	:	PUNCT
fsr-3226	209	26	bonds	bond	VERB
fsr-3226	209	27	0.0823	0.0823	NUM
fsr-3226	209	28	0.1185	0.1185	NUM
fsr-3226	209	29	1.086	1.086	NUM
fsr-3226	209	30	k	k	NOUN
fsr-3226	209	31	:	:	PUNCT
fsr-3226	209	32	mortgage	mortgage	NOUN
fsr-3226	209	33	0.2970	0.2970	NUM
fsr-3226	210	1	0.2106	0.2106	NUM
fsr-3226	210	2	1.346	1.346	NUM
fsr-3226	210	3	c	c	NOUN
fsr-3226	210	4	:	:	PUNCT
fsr-3226	210	5	subjective	subjective	ADJ
fsr-3226	210	6	knowledge	knowledge	NOUN
fsr-3226	210	7	0.1529	0.1529	PRON
fsr-3226	210	8	*	*	PUNCT
fsr-3226	210	9	*	*	PUNCT
fsr-3226	210	10	*	*	PUNCT
fsr-3226	211	1	0.0461	0.0461	NUM
fsr-3226	211	2	1.165	1.165	NUM
fsr-3226	211	3	c	c	NOUN
fsr-3226	211	4	:	:	PUNCT
fsr-3226	211	5	day	day	NOUN
fsr-3226	211	6	-	-	PUNCT
fsr-3226	211	7	to	to	ADP
fsr-3226	211	8	-	-	PUNCT
fsr-3226	211	9	day	day	NOUN
fsr-3226	211	10	finances	finance	NOUN
fsr-3226	211	11	�	�	NOUN
fsr-3226	211	12	0.0621	0.0621	NUM
fsr-3226	211	13	0.0353	0.0353	NUM
fsr-3226	211	14	0.940	0.940	NUM
fsr-3226	211	15	c	c	NOUN
fsr-3226	211	16	:	:	PUNCT
fsr-3226	211	17	rotter	rotter	NOUN
fsr-3226	211	18	locus	locus	NOUN
fsr-3226	211	19	of	of	ADP
fsr-3226	211	20	control	control	NOUN
fsr-3226	211	21	0.00127	0.00127	NUM
fsr-3226	211	22	0.0241	0.0241	NUM
fsr-3226	211	23	1.001	1.001	NUM
fsr-3226	211	24	a	a	DET
fsr-3226	211	25	:	:	PUNCT
fsr-3226	211	26	afqt	afqt	NOUN
fsr-3226	211	27	(	(	PUNCT
fsr-3226	211	28	intelligence	intelligence	NOUN
fsr-3226	211	29	)	)	PUNCT
fsr-3226	211	30	0.00354	0.00354	NUM
fsr-3226	211	31	0.00289	0.00289	NUM
fsr-3226	211	32	1.004	1.004	NUM
fsr-3226	211	33	control	control	NOUN
fsr-3226	211	34	variables	variable	NOUN
fsr-3226	211	35	age	age	NOUN
fsr-3226	211	36	0.0005	0.0005	NUM
fsr-3226	211	37	0.0237	0.0237	NUM
fsr-3226	211	38	1.001	1.001	NUM
fsr-3226	211	39	male	male	NOUN
fsr-3226	211	40	(	(	PUNCT
fsr-3226	211	41	ref	ref	NOUN
fsr-3226	211	42	.	.	PUNCT
fsr-3226	212	1	:	:	PUNCT
fsr-3226	212	2	female	female	NOUN
fsr-3226	212	3	)	)	PUNCT
fsr-3226	212	4	0.0481	0.0481	NUM
fsr-3226	212	5	0.1167	0.1167	NUM
fsr-3226	212	6	1.049	1.049	NUM
fsr-3226	212	7	married	married	ADJ
fsr-3226	212	8	(	(	PUNCT
fsr-3226	212	9	ref	ref	NOUN
fsr-3226	212	10	.	.	PUNCT
fsr-3226	212	11	:	:	PUNCT
fsr-3226	213	1	unmarried	unmarried	ADJ
fsr-3226	213	2	0.0666	0.0666	NUM
fsr-3226	213	3	0.1299	0.1299	NUM
fsr-3226	213	4	1.069	1.069	NUM
fsr-3226	213	5	racial	racial	ADJ
fsr-3226	213	6	/	/	SYM
fsr-3226	213	7	ethnicity	ethnicity	NOUN
fsr-3226	213	8	(	(	PUNCT
fsr-3226	213	9	ref	ref	NOUN
fsr-3226	213	10	.	.	PUNCT
fsr-3226	214	1	:	:	PUNCT
fsr-3226	214	2	white	white	ADJ
fsr-3226	214	3	)	)	PUNCT
fsr-3226	214	4	black	black	ADJ
fsr-3226	214	5	0.2244	0.2244	NUM
fsr-3226	214	6	0.1977	0.1977	NUM
fsr-3226	214	7	1.252	1.252	NUM
fsr-3226	214	8	hispanic	hispanic	NOUN
fsr-3226	214	9	0.3217	0.3217	NUM
fsr-3226	214	10	0.2379	0.2379	NUM
fsr-3226	214	11	1.380	1.380	NUM
fsr-3226	214	12	education	education	NOUN
fsr-3226	214	13	(	(	PUNCT
fsr-3226	214	14	ref	ref	NOUN
fsr-3226	214	15	.	.	PUNCT
fsr-3226	215	1	:	:	PUNCT
fsr-3226	215	2	less	less	ADJ
fsr-3226	215	3	than	than	ADP
fsr-3226	215	4	high	high	ADJ
fsr-3226	215	5	school	school	NOUN
fsr-3226	215	6	)	)	PUNCT
fsr-3226	215	7	high	high	ADJ
fsr-3226	215	8	school	school	NOUN
fsr-3226	215	9	education	education	NOUN
fsr-3226	215	10	0.2403	0.2403	NUM
fsr-3226	215	11	0.3387	0.3387	NUM
fsr-3226	215	12	1.272	1.272	NUM
fsr-3226	215	13	some	some	DET
fsr-3226	215	14	college	college	NOUN
fsr-3226	215	15	0.5929	0.5929	NUM
fsr-3226	215	16	0.3505	0.3505	NUM
fsr-3226	215	17	1.809	1.809	NUM
fsr-3226	215	18	college	college	NOUN
fsr-3226	215	19	degree	degree	NOUN
fsr-3226	215	20	0.5961	0.5961	NUM
fsr-3226	215	21	0.3656	0.3656	NUM
fsr-3226	215	22	1.815	1.815	NUM
fsr-3226	215	23	employment	employment	NOUN
fsr-3226	215	24	status	status	NOUN
fsr-3226	215	25	(	(	PUNCT
fsr-3226	215	26	ref	ref	NOUN
fsr-3226	215	27	.	.	PUNCT
fsr-3226	215	28	:	:	PUNCT
fsr-3226	215	29	employed	employ	VERB
fsr-3226	215	30	)	)	PUNCT
fsr-3226	215	31	unemployed	unemploye	VERB
fsr-3226	215	32	0.0285	0.0285	NUM
fsr-3226	215	33	0.2310	0.2310	NUM
fsr-3226	215	34	1.029	1.029	NUM
fsr-3226	215	35	unable	unable	ADJ
fsr-3226	215	36	to	to	PART
fsr-3226	215	37	work	work	VERB
fsr-3226	215	38	�	�	ADP
fsr-3226	215	39	0.1170	0.1170	NUM
fsr-3226	215	40	0.7842	0.7842	NUM
fsr-3226	215	41	0.890	0.890	NUM
fsr-3226	215	42	work	work	NOUN
fsr-3226	215	43	/	/	SYM
fsr-3226	215	44	other	other	ADJ
fsr-3226	215	45	0.0251	0.0251	NUM
fsr-3226	215	46	0.4199	0.4199	NUM
fsr-3226	215	47	1.025	1.025	NUM
fsr-3226	215	48	urban	urban	ADJ
fsr-3226	215	49	(	(	PUNCT
fsr-3226	215	50	ref	ref	NOUN
fsr-3226	215	51	.	.	PUNCT
fsr-3226	215	52	:	:	PUNCT
fsr-3226	216	1	no	no	INTJ
fsr-3226	216	2	)	)	PUNCT
fsr-3226	216	3	�	�	PROPN
fsr-3226	216	4	0.2493	0.2493	NUM
fsr-3226	216	5	*	*	NOUN
fsr-3226	217	1	0.1242	0.1242	NUM
fsr-3226	217	2	0.779	0.779	NUM
fsr-3226	217	3	has	have	VERB
fsr-3226	217	4	health	health	NOUN
fsr-3226	217	5	insurance	insurance	NOUN
fsr-3226	217	6	(	(	PUNCT
fsr-3226	217	7	ref	ref	NOUN
fsr-3226	217	8	.	.	PUNCT
fsr-3226	217	9	:	:	PUNCT
fsr-3226	218	1	no	no	INTJ
fsr-3226	218	2	)	)	PUNCT
fsr-3226	218	3	0.2358	0.2358	NUM
fsr-3226	218	4	0.2095	0.2095	NUM
fsr-3226	218	5	1.266	1.266	NUM
fsr-3226	218	6	chronic	chronic	ADJ
fsr-3226	218	7	health	health	NOUN
fsr-3226	218	8	issue	issue	NOUN
fsr-3226	218	9	in	in	ADP
fsr-3226	218	10	household	household	NOUN
fsr-3226	218	11	(	(	PUNCT
fsr-3226	218	12	ref	ref	NOUN
fsr-3226	218	13	.	.	PUNCT
fsr-3226	218	14	:	:	PUNCT
fsr-3226	219	1	no	no	INTJ
fsr-3226	219	2	)	)	PUNCT
fsr-3226	219	3	�	�	NOUN
fsr-3226	219	4	0.1334	0.1334	NUM
fsr-3226	219	5	0.2016	0.2016	NUM
fsr-3226	219	6	0.875	0.875	NUM
fsr-3226	219	7	income	income	NOUN
fsr-3226	219	8	(	(	PUNCT
fsr-3226	219	9	ln	ln	ADJ
fsr-3226	219	10	)	)	PUNCT
fsr-3226	219	11	0.0066	0.0066	PROPN
fsr-3226	219	12	0.0154	0.0154	NUM
fsr-3226	219	13	1.007	1.007	NUM
fsr-3226	219	14	net	net	ADJ
fsr-3226	219	15	worth	worth	NOUN
fsr-3226	219	16	(	(	PUNCT
fsr-3226	219	17	ln	ln	ADJ
fsr-3226	219	18	)	)	PUNCT
fsr-3226	219	19	0.0376	0.0376	NUM
fsr-3226	219	20	*	*	PUNCT
fsr-3226	219	21	*	*	PUNCT
fsr-3226	220	1	0.0124	0.0124	NUM
fsr-3226	220	2	1.038	1.038	NUM
fsr-3226	220	3	retirement	retirement	NOUN
fsr-3226	220	4	assets	asset	NOUN
fsr-3226	220	5	(	(	PUNCT
fsr-3226	220	6	ln	ln	ADJ
fsr-3226	220	7	)	)	PUNCT
fsr-3226	220	8	0.0608	0.0608	NUM
fsr-3226	220	9	*	*	PUNCT
fsr-3226	220	10	*	*	PUNCT
fsr-3226	220	11	*	*	PUNCT
fsr-3226	220	12	0.0117	0.0117	NUM
fsr-3226	220	13	1.063	1.063	NUM
fsr-3226	220	14	defined	define	VERB
fsr-3226	220	15	benefit	benefit	NOUN
fsr-3226	220	16	pension	pension	NOUN
fsr-3226	220	17	ownership	ownership	NOUN
fsr-3226	220	18	0.1150	0.1150	NUM
fsr-3226	220	19	0.1344	0.1344	NUM
fsr-3226	220	20	1.122	1.122	NUM
fsr-3226	220	21	stock	stock	NOUN
fsr-3226	220	22	ownership	ownership	NOUN
fsr-3226	220	23	0.1593	0.1593	NUM
fsr-3226	220	24	0.1424	0.1424	NUM
fsr-3226	220	25	1.173	1.173	NUM
fsr-3226	220	26	homeowners	homeowner	NOUN
fsr-3226	220	27	0.3313	0.3313	NUM
fsr-3226	220	28	*	*	PUNCT
fsr-3226	220	29	0.1674	0.1674	NUM
fsr-3226	220	30	1.393	1.393	NUM
fsr-3226	220	31	risk	risk	NOUN
fsr-3226	220	32	tolerance	tolerance	NOUN
fsr-3226	220	33	0.0628	0.0628	NUM
fsr-3226	220	34	*	*	PUNCT
fsr-3226	220	35	*	*	PUNCT
fsr-3226	220	36	0.0235	0.0235	NUM
fsr-3226	220	37	1.065	1.065	NUM
fsr-3226	220	38	trust	trust	NOUN
fsr-3226	220	39	0.0127	0.0127	NUM
fsr-3226	220	40	0.0647	0.0647	NUM
fsr-3226	220	41	1.013	1.013	NUM
fsr-3226	220	42	intercept	intercept	NOUN
fsr-3226	220	43	�	�	PROPN
fsr-3226	220	44	5.1226	5.1226	NUM
fsr-3226	220	45	1.2942	1.2942	NUM
fsr-3226	220	46	source	source	NOUN
fsr-3226	220	47	:	:	PUNCT
fsr-3226	220	48	restricted	restrict	VERB
fsr-3226	220	49	sample	sample	NOUN
fsr-3226	220	50	of	of	ADP
fsr-3226	220	51	the	the	DET
fsr-3226	220	52	nsly79	nsly79	NOUN
fsr-3226	220	53	,	,	PUNCT
fsr-3226	220	54	2010	2010	NUM
fsr-3226	220	55	and	and	CCONJ
fsr-3226	220	56	2012	2012	NUM
fsr-3226	220	57	waves	wave	NOUN
fsr-3226	220	58	.	.	PUNCT
fsr-3226	221	1	reference	reference	NOUN
fsr-3226	221	2	category	category	NOUN
fsr-3226	221	3	is	be	AUX
fsr-3226	221	4	no	no	DET
fsr-3226	221	5	planner	planner	NOUN
fsr-3226	221	6	in	in	ADP
fsr-3226	221	7	2010	2010	NUM
fsr-3226	221	8	and	and	CCONJ
fsr-3226	221	9	2012	2012	NUM
fsr-3226	221	10	.	.	PUNCT
fsr-3226	222	1	a	a	DET
fsr-3226	222	2	k	k	PROPN
fsr-3226	222	3	�	�	PROPN
fsr-3226	222	4	knowledge	knowledge	NOUN
fsr-3226	222	5	;	;	PUNCT
fsr-3226	222	6	c	c	PROPN
fsr-3226	222	7	�	�	PROPN
fsr-3226	222	8	confidence	confidence	NOUN
fsr-3226	222	9	;	;	PUNCT
fsr-3226	222	10	a	a	DET
fsr-3226	222	11	�	�	NOUN
fsr-3226	222	12	capability	capability	NOUN
fsr-3226	222	13	.	.	PUNCT
fsr-3226	223	1	*	*	PUNCT
fsr-3226	223	2	p	p	X
fsr-3226	223	3	�	�	PROPN
fsr-3226	223	4	.05	.05	NUM
fsr-3226	223	5	,	,	PUNCT
fsr-3226	223	6	*	*	PUNCT
fsr-3226	223	7	*	*	PUNCT
fsr-3226	223	8	p	p	PROPN
fsr-3226	223	9	�	�	PROPN
fsr-3226	223	10	.01	.01	NUM
fsr-3226	223	11	,	,	PUNCT
fsr-3226	223	12	*	*	PUNCT
fsr-3226	223	13	*	*	PUNCT
fsr-3226	223	14	*	*	PUNCT
fsr-3226	223	15	p	p	PROPN
fsr-3226	223	16	�	�	PROPN
fsr-3226	223	17	.001	.001	NUM
fsr-3226	223	18	.	.	PUNCT
fsr-3226	224	1	342	342	NUM
fsr-3226	224	2	m.c	m.c	PROPN
fsr-3226	224	3	.	.	PROPN
fsr-3226	224	4	seay	seay	PROPN
fsr-3226	224	5	et	et	PROPN
fsr-3226	224	6	al	al	PROPN
fsr-3226	224	7	.	.	PUNCT
fsr-3226	224	8	/	/	SYM
fsr-3226	224	9	financial	financial	ADJ
fsr-3226	224	10	services	service	NOUN
fsr-3226	224	11	review	review	VERB
fsr-3226	224	12	25	25	NUM
fsr-3226	224	13	(	(	PUNCT
fsr-3226	224	14	2016	2016	NUM
fsr-3226	224	15	)	)	PUNCT
fsr-3226	225	1	331–350	331–350	NUM
fsr-3226	225	2	5	5	NUM
fsr-3226	225	3	.	.	PUNCT
fsr-3226	225	4	discussion	discussion	NOUN
fsr-3226	225	5	the	the	DET
fsr-3226	225	6	purpose	purpose	NOUN
fsr-3226	225	7	of	of	ADP
fsr-3226	225	8	this	this	DET
fsr-3226	225	9	article	article	NOUN
fsr-3226	225	10	is	be	AUX
fsr-3226	225	11	to	to	PART
fsr-3226	225	12	expand	expand	VERB
fsr-3226	225	13	the	the	DET
fsr-3226	225	14	body	body	NOUN
fsr-3226	225	15	of	of	ADP
fsr-3226	225	16	knowledge	knowledge	NOUN
fsr-3226	225	17	related	relate	VERB
fsr-3226	225	18	to	to	ADP
fsr-3226	225	19	the	the	DET
fsr-3226	225	20	relationship	relationship	NOUN
fsr-3226	225	21	between	between	ADP
fsr-3226	225	22	financial	financial	ADJ
fsr-3226	225	23	literacy	literacy	NOUN
fsr-3226	225	24	and	and	CCONJ
fsr-3226	225	25	a	a	DET
fsr-3226	225	26	financial	financial	ADJ
fsr-3226	225	27	planner	planner	NOUN
fsr-3226	225	28	use	use	NOUN
fsr-3226	225	29	for	for	ADP
fsr-3226	225	30	retirement	retirement	NOUN
fsr-3226	225	31	planning	planning	NOUN
fsr-3226	225	32	advice	advice	NOUN
fsr-3226	225	33	.	.	PUNCT
fsr-3226	226	1	this	this	PRON
fsr-3226	226	2	is	be	AUX
fsr-3226	226	3	accomplished	accomplish	VERB
fsr-3226	226	4	by	by	ADP
fsr-3226	226	5	incorporating	incorporate	VERB
fsr-3226	226	6	huston	huston	PROPN
fsr-3226	226	7	’s	’s	PART
fsr-3226	226	8	(	(	PUNCT
fsr-3226	226	9	2010	2010	NUM
fsr-3226	226	10	)	)	PUNCT
fsr-3226	226	11	framework	framework	NOUN
fsr-3226	226	12	for	for	ADP
fsr-3226	226	13	financial	financial	ADJ
fsr-3226	226	14	literacy	literacy	NOUN
fsr-3226	226	15	,	,	PUNCT
fsr-3226	226	16	using	use	VERB
fsr-3226	226	17	a	a	DET
fsr-3226	226	18	retirement	retirement	NOUN
fsr-3226	226	19	specific	specific	ADJ
fsr-3226	226	20	measure	measure	NOUN
fsr-3226	226	21	of	of	ADP
fsr-3226	226	22	financial	financial	ADJ
fsr-3226	226	23	planner	planner	NOUN
fsr-3226	226	24	,	,	PUNCT
fsr-3226	226	25	and	and	CCONJ
fsr-3226	226	26	using	use	VERB
fsr-3226	226	27	longitudinal	longitudinal	ADJ
fsr-3226	226	28	data	datum	NOUN
fsr-3226	226	29	that	that	PRON
fsr-3226	226	30	allows	allow	VERB
fsr-3226	226	31	exploration	exploration	NOUN
fsr-3226	226	32	of	of	ADP
fsr-3226	226	33	the	the	DET
fsr-3226	226	34	initiation	initiation	NOUN
fsr-3226	226	35	,	,	PUNCT
fsr-3226	226	36	maintenance	maintenance	NOUN
fsr-3226	226	37	,	,	PUNCT
fsr-3226	226	38	and	and	CCONJ
fsr-3226	226	39	termination	termination	NOUN
fsr-3226	226	40	of	of	ADP
fsr-3226	226	41	financial	financial	ADJ
fsr-3226	226	42	planner	planner	NOUN
fsr-3226	226	43	use	use	NOUN
fsr-3226	226	44	.	.	PUNCT
fsr-3226	227	1	table	table	NOUN
fsr-3226	227	2	4	4	NUM
fsr-3226	227	3	multinomial	multinomial	ADJ
fsr-3226	227	4	logistic	logistic	ADJ
fsr-3226	227	5	regression	regression	NOUN
fsr-3226	227	6	of	of	ADP
fsr-3226	227	7	financial	financial	ADJ
fsr-3226	227	8	planner	planner	NOUN
fsr-3226	227	9	use	use	NOUN
fsr-3226	227	10	(	(	PUNCT
fsr-3226	227	11	reference	reference	NOUN
fsr-3226	227	12	category	category	NOUN
fsr-3226	227	13	:	:	PUNCT
fsr-3226	227	14	planner	planner	NOUN
fsr-3226	227	15	in	in	ADP
fsr-3226	227	16	2010	2010	NUM
fsr-3226	227	17	and	and	CCONJ
fsr-3226	227	18	2012	2012	NUM
fsr-3226	227	19	)	)	PUNCT
fsr-3226	227	20	dropped	drop	VERB
fsr-3226	227	21	a	a	DET
fsr-3226	227	22	planner	planner	NOUN
fsr-3226	227	23	in	in	ADP
fsr-3226	227	24	2012	2012	NUM
fsr-3226	227	25	coeff	coeff	PROPN
fsr-3226	227	26	.	.	PUNCT
fsr-3226	228	1	se	se	PROPN
fsr-3226	228	2	odds	odd	VERB
fsr-3226	228	3	ratio	ratio	NOUN
fsr-3226	228	4	k	k	NOUN
fsr-3226	228	5	:	:	PUNCT
fsr-3226	228	6	diversificationa	diversificationa	PROPN
fsr-3226	228	7	�	�	PROPN
fsr-3226	228	8	0.3007	0.3007	NUM
fsr-3226	228	9	*	*	PUNCT
fsr-3226	228	10	0.1487	0.1487	NUM
fsr-3226	228	11	0.740	0.740	NUM
fsr-3226	228	12	k	k	NOUN
fsr-3226	228	13	:	:	PUNCT
fsr-3226	228	14	compound	compound	NOUN
fsr-3226	228	15	interest	interest	NOUN
fsr-3226	228	16	�	�	PROPN
fsr-3226	228	17	0.1235	0.1235	NUM
fsr-3226	228	18	0.1549	0.1549	NUM
fsr-3226	228	19	0.884	0.884	NUM
fsr-3226	228	20	k	k	NOUN
fsr-3226	228	21	:	:	PUNCT
fsr-3226	228	22	inflation	inflation	NOUN
fsr-3226	228	23	0.2542	0.2542	NUM
fsr-3226	229	1	0.1747	0.1747	NUM
fsr-3226	229	2	1.289	1.289	NUM
fsr-3226	229	3	k	k	NOUN
fsr-3226	229	4	:	:	PUNCT
fsr-3226	229	5	bonds	bond	NOUN
fsr-3226	229	6	0.0272	0.0272	NUM
fsr-3226	229	7	0.1246	0.1246	NUM
fsr-3226	229	8	1.028	1.028	NUM
fsr-3226	229	9	k	k	NOUN
fsr-3226	229	10	:	:	PUNCT
fsr-3226	229	11	mortgage	mortgage	NOUN
fsr-3226	229	12	0.0299	0.0299	NUM
fsr-3226	229	13	0.2657	0.2657	NUM
fsr-3226	229	14	1.030	1.030	NUM
fsr-3226	229	15	c	c	NOUN
fsr-3226	229	16	:	:	PUNCT
fsr-3226	229	17	subjective	subjective	ADJ
fsr-3226	229	18	knowledge	knowledge	NOUN
fsr-3226	229	19	0.0693	0.0693	NUM
fsr-3226	229	20	0.0507	0.0507	NUM
fsr-3226	229	21	1.072	1.072	NUM
fsr-3226	229	22	c	c	NOUN
fsr-3226	229	23	:	:	PUNCT
fsr-3226	229	24	day	day	NOUN
fsr-3226	229	25	-	-	PUNCT
fsr-3226	229	26	to	to	ADP
fsr-3226	229	27	-	-	PUNCT
fsr-3226	229	28	day	day	NOUN
fsr-3226	229	29	finances	finance	NOUN
fsr-3226	229	30	�	�	VERB
fsr-3226	229	31	0.0468	0.0468	NUM
fsr-3226	229	32	0.0422	0.0422	NUM
fsr-3226	229	33	0.954	0.954	NUM
fsr-3226	229	34	c	c	NOUN
fsr-3226	229	35	:	:	PUNCT
fsr-3226	229	36	rotter	rotter	NOUN
fsr-3226	229	37	locus	locus	NOUN
fsr-3226	229	38	of	of	ADP
fsr-3226	229	39	control	control	NOUN
fsr-3226	229	40	�	�	PROPN
fsr-3226	229	41	0.0655	0.0655	NOUN
fsr-3226	229	42	*	*	PUNCT
fsr-3226	229	43	0.0261	0.0261	NUM
fsr-3226	229	44	0.937	0.937	NUM
fsr-3226	229	45	a	a	DET
fsr-3226	229	46	:	:	PUNCT
fsr-3226	229	47	afqt	afqt	NOUN
fsr-3226	229	48	(	(	PUNCT
fsr-3226	229	49	intelligence	intelligence	NOUN
fsr-3226	229	50	)	)	PUNCT
fsr-3226	229	51	0.0011	0.0011	NUM
fsr-3226	229	52	0.0031	0.0031	NUM
fsr-3226	229	53	1.001	1.001	NUM
fsr-3226	229	54	control	control	NOUN
fsr-3226	229	55	variables	variable	NOUN
fsr-3226	229	56	age	age	NOUN
fsr-3226	229	57	0.0102	0.0102	NUM
fsr-3226	229	58	0.0254	0.0254	NUM
fsr-3226	229	59	1.010	1.010	NUM
fsr-3226	229	60	male	male	NOUN
fsr-3226	229	61	(	(	PUNCT
fsr-3226	229	62	ref	ref	NOUN
fsr-3226	229	63	.	.	PUNCT
fsr-3226	230	1	:	:	PUNCT
fsr-3226	230	2	female	female	NOUN
fsr-3226	230	3	)	)	PUNCT
fsr-3226	230	4	0.2006	0.2006	NUM
fsr-3226	230	5	0.1242	0.1242	NUM
fsr-3226	230	6	1.222	1.222	NUM
fsr-3226	230	7	married	married	ADJ
fsr-3226	230	8	(	(	PUNCT
fsr-3226	230	9	ref	ref	NOUN
fsr-3226	230	10	.	.	PUNCT
fsr-3226	230	11	:	:	PUNCT
fsr-3226	231	1	unmarried	unmarried	ADJ
fsr-3226	231	2	�	�	VERB
fsr-3226	231	3	0.0961	0.0961	NUM
fsr-3226	231	4	0.1401	0.1401	NUM
fsr-3226	231	5	0.908	0.908	NUM
fsr-3226	231	6	racial	racial	ADJ
fsr-3226	231	7	/	/	SYM
fsr-3226	231	8	ethnicity	ethnicity	NOUN
fsr-3226	231	9	(	(	PUNCT
fsr-3226	231	10	ref	ref	NOUN
fsr-3226	231	11	.	.	PUNCT
fsr-3226	231	12	:	:	PUNCT
fsr-3226	232	1	white	white	ADJ
fsr-3226	232	2	)	)	PUNCT
fsr-3226	232	3	black	black	ADJ
fsr-3226	232	4	0.1771	0.1771	NUM
fsr-3226	232	5	0.2230	0.2230	NUM
fsr-3226	232	6	1.194	1.194	NUM
fsr-3226	232	7	hispanic	hispanic	NOUN
fsr-3226	232	8	0.0999	0.0999	NUM
fsr-3226	232	9	0.2863	0.2863	NUM
fsr-3226	232	10	1.105	1.105	NUM
fsr-3226	232	11	education	education	NOUN
fsr-3226	232	12	(	(	PUNCT
fsr-3226	232	13	ref	ref	NOUN
fsr-3226	232	14	.	.	PUNCT
fsr-3226	232	15	:	:	PUNCT
fsr-3226	232	16	less	less	ADJ
fsr-3226	232	17	than	than	ADP
fsr-3226	232	18	high	high	ADJ
fsr-3226	232	19	school	school	NOUN
fsr-3226	232	20	)	)	PUNCT
fsr-3226	232	21	high	high	ADJ
fsr-3226	232	22	school	school	NOUN
fsr-3226	232	23	education	education	NOUN
fsr-3226	232	24	�	�	PROPN
fsr-3226	232	25	1.0003	1.0003	NUM
fsr-3226	232	26	0.6584	0.6584	NUM
fsr-3226	232	27	0.368	0.368	NUM
fsr-3226	232	28	some	some	DET
fsr-3226	232	29	college	college	NOUN
fsr-3226	232	30	�	�	PROPN
fsr-3226	232	31	1.0990	1.0990	NUM
fsr-3226	232	32	*	*	PUNCT
fsr-3226	232	33	0.6653	0.6653	NUM
fsr-3226	232	34	0.333	0.333	NUM
fsr-3226	232	35	college	college	NOUN
fsr-3226	232	36	degree	degree	NOUN
fsr-3226	232	37	�	�	PROPN
fsr-3226	232	38	1.5323	1.5323	NUM
fsr-3226	232	39	0.6712	0.6712	NUM
fsr-3226	232	40	0.216	0.216	NUM
fsr-3226	232	41	employment	employment	NOUN
fsr-3226	232	42	status	status	NOUN
fsr-3226	232	43	(	(	PUNCT
fsr-3226	232	44	ref	ref	NOUN
fsr-3226	232	45	.	.	PUNCT
fsr-3226	232	46	:	:	PUNCT
fsr-3226	233	1	employed	employ	VERB
fsr-3226	233	2	)	)	PUNCT
fsr-3226	233	3	unemployed	unemploye	VERB
fsr-3226	233	4	0.2152	0.2152	NUM
fsr-3226	233	5	0.2725	0.2725	NUM
fsr-3226	233	6	1.240	1.240	NUM
fsr-3226	233	7	unable	unable	ADJ
fsr-3226	233	8	to	to	PART
fsr-3226	233	9	work	work	VERB
fsr-3226	233	10	�	�	NOUN
fsr-3226	233	11	0.5110	0.5110	NUM
fsr-3226	233	12	0.6859	0.6859	NUM
fsr-3226	233	13	0.600	0.600	NUM
fsr-3226	233	14	work	work	NOUN
fsr-3226	233	15	/	/	SYM
fsr-3226	233	16	other	other	ADJ
fsr-3226	233	17	0.3456	0.3456	NUM
fsr-3226	233	18	0.4579	0.4579	NUM
fsr-3226	233	19	1.413	1.413	NUM
fsr-3226	233	20	urban	urban	ADJ
fsr-3226	233	21	(	(	PUNCT
fsr-3226	233	22	ref	ref	NOUN
fsr-3226	233	23	.	.	PUNCT
fsr-3226	233	24	:	:	PUNCT
fsr-3226	234	1	no	no	INTJ
fsr-3226	234	2	)	)	PUNCT
fsr-3226	234	3	0.2268	0.2268	NUM
fsr-3226	235	1	0.1398	0.1398	NUM
fsr-3226	235	2	1.255	1.255	NUM
fsr-3226	235	3	has	have	VERB
fsr-3226	235	4	health	health	NOUN
fsr-3226	235	5	insurance	insurance	NOUN
fsr-3226	235	6	(	(	PUNCT
fsr-3226	235	7	ref	ref	NOUN
fsr-3226	235	8	.	.	PUNCT
fsr-3226	236	1	:	:	PUNCT
fsr-3226	236	2	no	no	INTJ
fsr-3226	236	3	)	)	PUNCT
fsr-3226	236	4	�	�	NOUN
fsr-3226	236	5	0.5687	0.5687	NUM
fsr-3226	236	6	*	*	NOUN
fsr-3226	236	7	0.2884	0.2884	NUM
fsr-3226	236	8	0.566	0.566	NUM
fsr-3226	236	9	chronic	chronic	ADJ
fsr-3226	236	10	health	health	NOUN
fsr-3226	236	11	issue	issue	NOUN
fsr-3226	236	12	in	in	ADP
fsr-3226	236	13	household	household	NOUN
fsr-3226	236	14	(	(	PUNCT
fsr-3226	236	15	ref	ref	NOUN
fsr-3226	236	16	.	.	PUNCT
fsr-3226	237	1	:	:	PUNCT
fsr-3226	237	2	no	no	INTJ
fsr-3226	237	3	)	)	PUNCT
fsr-3226	237	4	0.2553	0.2553	NUM
fsr-3226	237	5	0.2390	0.2390	NUM
fsr-3226	237	6	1.291	1.291	NUM
fsr-3226	237	7	income	income	NOUN
fsr-3226	237	8	(	(	PUNCT
fsr-3226	237	9	ln	ln	ADJ
fsr-3226	237	10	)	)	PUNCT
fsr-3226	237	11	0.0453	0.0453	NUM
fsr-3226	237	12	*	*	PUNCT
fsr-3226	237	13	*	*	PUNCT
fsr-3226	237	14	0.0167	0.0167	NUM
fsr-3226	237	15	1.046	1.046	NUM
fsr-3226	237	16	net	net	ADJ
fsr-3226	237	17	worth	worth	NOUN
fsr-3226	237	18	(	(	PUNCT
fsr-3226	237	19	ln	ln	ADJ
fsr-3226	237	20	)	)	PUNCT
fsr-3226	237	21	�	�	NOUN
fsr-3226	237	22	0.0468	0.0468	NUM
fsr-3226	237	23	*	*	PUNCT
fsr-3226	237	24	*	*	PUNCT
fsr-3226	237	25	0.0145	0.0145	NUM
fsr-3226	237	26	0.954	0.954	NUM
fsr-3226	237	27	retirement	retirement	NOUN
fsr-3226	237	28	assets	asset	NOUN
fsr-3226	237	29	(	(	PUNCT
fsr-3226	237	30	ln	ln	ADJ
fsr-3226	237	31	)	)	PUNCT
fsr-3226	237	32	�	�	NOUN
fsr-3226	237	33	0.0370	0.0370	NUM
fsr-3226	237	34	*	*	NOUN
fsr-3226	237	35	*	*	PROPN
fsr-3226	237	36	0.0119	0.0119	NUM
fsr-3226	237	37	0.964	0.964	NUM
fsr-3226	237	38	defined	define	VERB
fsr-3226	237	39	benefit	benefit	NOUN
fsr-3226	237	40	pension	pension	NOUN
fsr-3226	237	41	ownership	ownership	NOUN
fsr-3226	237	42	�	�	NOUN
fsr-3226	237	43	0.0851	0.0851	NUM
fsr-3226	237	44	0.1430	0.1430	NUM
fsr-3226	237	45	0.918	0.918	NUM
fsr-3226	237	46	stock	stock	NOUN
fsr-3226	237	47	ownership	ownership	NOUN
fsr-3226	237	48	�	�	NOUN
fsr-3226	237	49	0.3316	0.3316	NUM
fsr-3226	237	50	*	*	NOUN
fsr-3226	237	51	0.1434	0.1434	NUM
fsr-3226	237	52	0.718	0.718	NUM
fsr-3226	237	53	homeowners	homeowner	NOUN
fsr-3226	237	54	0.0961	0.0961	NUM
fsr-3226	237	55	0.1927	0.1927	NUM
fsr-3226	237	56	1.101	1.101	NUM
fsr-3226	237	57	risk	risk	NOUN
fsr-3226	237	58	tolerance	tolerance	NOUN
fsr-3226	237	59	�	�	NOUN
fsr-3226	237	60	0.0280	0.0280	NUM
fsr-3226	237	61	0.0258	0.0258	NUM
fsr-3226	237	62	0.972	0.972	NUM
fsr-3226	237	63	trust	trust	NOUN
fsr-3226	237	64	�	�	NOUN
fsr-3226	237	65	0.2285	0.2285	NUM
fsr-3226	237	66	*	*	PUNCT
fsr-3226	237	67	*	*	PUNCT
fsr-3226	238	1	0.0709	0.0709	NUM
fsr-3226	238	2	0.796	0.796	NUM
fsr-3226	238	3	intercept	intercept	VERB
fsr-3226	238	4	2.3093	2.3093	NUM
fsr-3226	238	5	1.5134	1.5134	NUM
fsr-3226	238	6	source	source	NOUN
fsr-3226	238	7	:	:	PUNCT
fsr-3226	238	8	restricted	restrict	VERB
fsr-3226	238	9	sample	sample	NOUN
fsr-3226	238	10	of	of	ADP
fsr-3226	238	11	the	the	DET
fsr-3226	238	12	nsly79	nsly79	NOUN
fsr-3226	238	13	,	,	PUNCT
fsr-3226	238	14	2010	2010	NUM
fsr-3226	238	15	and	and	CCONJ
fsr-3226	238	16	2012	2012	NUM
fsr-3226	238	17	waves	wave	NOUN
fsr-3226	238	18	.	.	PUNCT
fsr-3226	239	1	reference	reference	NOUN
fsr-3226	239	2	category	category	NOUN
fsr-3226	239	3	is	be	AUX
fsr-3226	239	4	planner	planner	NOUN
fsr-3226	239	5	in	in	ADP
fsr-3226	239	6	2010	2010	NUM
fsr-3226	239	7	and	and	CCONJ
fsr-3226	239	8	2012	2012	NUM
fsr-3226	239	9	.	.	PUNCT
fsr-3226	240	1	a	a	DET
fsr-3226	240	2	k	k	PROPN
fsr-3226	240	3	�	�	PROPN
fsr-3226	240	4	knowledge	knowledge	NOUN
fsr-3226	240	5	;	;	PUNCT
fsr-3226	240	6	c	c	PROPN
fsr-3226	240	7	�	�	PROPN
fsr-3226	240	8	confidence	confidence	NOUN
fsr-3226	240	9	;	;	PUNCT
fsr-3226	240	10	a	a	DET
fsr-3226	240	11	�	�	NOUN
fsr-3226	240	12	capability	capability	NOUN
fsr-3226	240	13	.	.	PUNCT
fsr-3226	241	1	*	*	PUNCT
fsr-3226	241	2	p	p	X
fsr-3226	241	3	�	�	PROPN
fsr-3226	241	4	.05	.05	NUM
fsr-3226	241	5	,	,	PUNCT
fsr-3226	241	6	*	*	PUNCT
fsr-3226	241	7	*	*	PUNCT
fsr-3226	241	8	p	p	PROPN
fsr-3226	241	9	�	�	PROPN
fsr-3226	241	10	.01	.01	NUM
fsr-3226	241	11	,	,	PUNCT
fsr-3226	241	12	*	*	PUNCT
fsr-3226	241	13	*	*	PUNCT
fsr-3226	241	14	*	*	PUNCT
fsr-3226	241	15	p	p	PROPN
fsr-3226	241	16	�	�	PROPN
fsr-3226	241	17	.001	.001	NUM
fsr-3226	241	18	.	.	PUNCT
fsr-3226	242	1	343m.c	343m.c	NOUN
fsr-3226	242	2	.	.	PUNCT
fsr-3226	243	1	seay	seay	PROPN
fsr-3226	243	2	et	et	PROPN
fsr-3226	243	3	al	al	PROPN
fsr-3226	243	4	.	.	PUNCT
fsr-3226	243	5	/	/	SYM
fsr-3226	243	6	financial	financial	ADJ
fsr-3226	243	7	services	service	NOUN
fsr-3226	243	8	review	review	VERB
fsr-3226	243	9	25	25	NUM
fsr-3226	243	10	(	(	PUNCT
fsr-3226	243	11	2016	2016	NUM
fsr-3226	243	12	)	)	PUNCT
fsr-3226	244	1	331–350	331–350	NUM
fsr-3226	244	2	evidence	evidence	NOUN
fsr-3226	244	3	is	be	AUX
fsr-3226	244	4	found	find	VERB
fsr-3226	244	5	to	to	PART
fsr-3226	244	6	support	support	VERB
fsr-3226	244	7	hypothesis	hypothesis	NOUN
fsr-3226	244	8	one	one	NUM
fsr-3226	244	9	,	,	PUNCT
fsr-3226	244	10	as	as	SCONJ
fsr-3226	244	11	elements	element	NOUN
fsr-3226	244	12	of	of	ADP
fsr-3226	244	13	financial	financial	ADJ
fsr-3226	244	14	knowledge	knowledge	NOUN
fsr-3226	244	15	and	and	CCONJ
fsr-3226	244	16	financial	financial	ADJ
fsr-3226	244	17	confidence	confidence	NOUN
fsr-3226	244	18	are	be	AUX
fsr-3226	244	19	associated	associate	VERB
fsr-3226	244	20	with	with	ADP
fsr-3226	244	21	seeking	seek	VERB
fsr-3226	244	22	retirement	retirement	NOUN
fsr-3226	244	23	planning	planning	NOUN
fsr-3226	244	24	advice	advice	NOUN
fsr-3226	244	25	from	from	ADP
fsr-3226	244	26	a	a	DET
fsr-3226	244	27	financial	financial	ADJ
fsr-3226	244	28	planner	planner	NOUN
fsr-3226	244	29	.	.	PUNCT
fsr-3226	245	1	this	this	DET
fsr-3226	245	2	analysis	analysis	NOUN
fsr-3226	245	3	is	be	AUX
fsr-3226	245	4	conceptually	conceptually	ADV
fsr-3226	245	5	similar	similar	ADJ
fsr-3226	245	6	to	to	ADP
fsr-3226	245	7	collins	collins	PROPN
fsr-3226	245	8	(	(	PUNCT
fsr-3226	245	9	2012	2012	NUM
fsr-3226	245	10	)	)	PUNCT
fsr-3226	245	11	and	and	CCONJ
fsr-3226	245	12	robb	robb	VERB
fsr-3226	245	13	et	et	PROPN
fsr-3226	245	14	al	al	PROPN
fsr-3226	245	15	.	.	PROPN
fsr-3226	246	1	(	(	PUNCT
fsr-3226	246	2	2012	2012	NUM
fsr-3226	246	3	)	)	PUNCT
fsr-3226	246	4	,	,	PUNCT
fsr-3226	246	5	and	and	CCONJ
fsr-3226	246	6	builds	build	VERB
fsr-3226	246	7	upon	upon	SCONJ
fsr-3226	246	8	their	their	PRON
fsr-3226	246	9	work	work	NOUN
fsr-3226	246	10	by	by	ADP
fsr-3226	246	11	using	use	VERB
fsr-3226	246	12	a	a	DET
fsr-3226	246	13	measure	measure	NOUN
fsr-3226	246	14	of	of	ADP
fsr-3226	246	15	receiving	receive	VERB
fsr-3226	246	16	retirement	retirement	NOUN
fsr-3226	246	17	planning	planning	NOUN
fsr-3226	246	18	advice	advice	NOUN
fsr-3226	246	19	in	in	ADP
fsr-3226	246	20	the	the	DET
fsr-3226	246	21	current	current	ADJ
fsr-3226	246	22	year	year	NOUN
fsr-3226	246	23	and	and	CCONJ
fsr-3226	246	24	by	by	ADP
fsr-3226	246	25	controlling	control	VERB
fsr-3226	246	26	for	for	ADP
fsr-3226	246	27	trust	trust	NOUN
fsr-3226	246	28	,	,	PUNCT
fsr-3226	246	29	a	a	DET
fsr-3226	246	30	variable	variable	NOUN
fsr-3226	246	31	that	that	PRON
fsr-3226	246	32	was	be	AUX
fsr-3226	246	33	unavailable	unavailable	ADJ
fsr-3226	246	34	in	in	ADP
fsr-3226	246	35	the	the	DET
fsr-3226	246	36	data	datum	NOUN
fsr-3226	246	37	on	on	ADP
fsr-3226	246	38	which	which	PRON
fsr-3226	246	39	their	their	PRON
fsr-3226	246	40	analyses	analysis	NOUN
fsr-3226	246	41	were	be	AUX
fsr-3226	246	42	based	base	VERB
fsr-3226	246	43	.	.	PUNCT
fsr-3226	247	1	our	our	PRON
fsr-3226	247	2	results	result	NOUN
fsr-3226	247	3	indicate	indicate	VERB
fsr-3226	247	4	a	a	DET
fsr-3226	247	5	more	more	ADV
fsr-3226	247	6	nuanced	nuanced	ADJ
fsr-3226	247	7	relationship	relationship	NOUN
fsr-3226	247	8	between	between	ADP
fsr-3226	247	9	financial	financial	ADJ
fsr-3226	247	10	knowledge	knowledge	NOUN
fsr-3226	247	11	and	and	CCONJ
fsr-3226	247	12	advice	advice	NOUN
fsr-3226	247	13	seeking	seek	VERB
fsr-3226	247	14	behavior	behavior	NOUN
fsr-3226	247	15	than	than	SCONJ
fsr-3226	247	16	previously	previously	ADV
fsr-3226	247	17	understood	understand	VERB
fsr-3226	247	18	.	.	PUNCT
fsr-3226	248	1	collins	collins	PROPN
fsr-3226	248	2	(	(	PUNCT
fsr-3226	248	3	2012	2012	NUM
fsr-3226	248	4	)	)	PUNCT
fsr-3226	248	5	,	,	PUNCT
fsr-3226	248	6	calcagno	calcagno	NOUN
fsr-3226	248	7	and	and	CCONJ
fsr-3226	248	8	monticone	monticone	NOUN
fsr-3226	248	9	(	(	PUNCT
fsr-3226	248	10	2015	2015	NUM
fsr-3226	248	11	)	)	PUNCT
fsr-3226	248	12	,	,	PUNCT
fsr-3226	248	13	and	and	CCONJ
fsr-3226	248	14	robb	robb	VERB
fsr-3226	248	15	et	et	PROPN
fsr-3226	248	16	al	al	PROPN
fsr-3226	248	17	.	.	PROPN
fsr-3226	248	18	(	(	PUNCT
fsr-3226	248	19	2012	2012	NUM
fsr-3226	248	20	)	)	PUNCT
fsr-3226	248	21	each	each	PRON
fsr-3226	248	22	use	use	VERB
fsr-3226	248	23	composite	composite	ADJ
fsr-3226	248	24	measures	measure	NOUN
fsr-3226	248	25	of	of	ADP
fsr-3226	248	26	financial	financial	ADJ
fsr-3226	248	27	knowledge	knowledge	NOUN
fsr-3226	248	28	,	,	PUNCT
fsr-3226	248	29	which	which	PRON
fsr-3226	248	30	does	do	AUX
fsr-3226	248	31	not	not	PART
fsr-3226	248	32	allow	allow	VERB
fsr-3226	248	33	exploration	exploration	NOUN
fsr-3226	248	34	of	of	ADP
fsr-3226	248	35	the	the	DET
fsr-3226	248	36	specific	specific	ADJ
fsr-3226	248	37	elements	element	NOUN
fsr-3226	248	38	of	of	ADP
fsr-3226	248	39	financial	financial	ADJ
fsr-3226	248	40	knowledge	knowledge	NOUN
fsr-3226	248	41	that	that	PRON
fsr-3226	248	42	contribute	contribute	VERB
fsr-3226	248	43	to	to	ADP
fsr-3226	248	44	advice	advice	NOUN
fsr-3226	248	45	seeking	seek	VERB
fsr-3226	248	46	behavior	behavior	NOUN
fsr-3226	248	47	.	.	PUNCT
fsr-3226	249	1	results	result	NOUN
fsr-3226	249	2	of	of	ADP
fsr-3226	249	3	this	this	DET
fsr-3226	249	4	study	study	NOUN
fsr-3226	249	5	indicate	indicate	VERB
fsr-3226	249	6	that	that	SCONJ
fsr-3226	249	7	an	an	DET
fsr-3226	249	8	understanding	understanding	NOUN
fsr-3226	249	9	of	of	ADP
fsr-3226	249	10	higher	high	ADJ
fsr-3226	249	11	level	level	NOUN
fsr-3226	249	12	concepts	concept	NOUN
fsr-3226	249	13	(	(	PUNCT
fsr-3226	249	14	i.e.	i.e.	X
fsr-3226	249	15	,	,	PUNCT
fsr-3226	249	16	diversification	diversification	NOUN
fsr-3226	249	17	and	and	CCONJ
fsr-3226	249	18	mortgages	mortgage	NOUN
fsr-3226	249	19	)	)	PUNCT
fsr-3226	249	20	are	be	AUX
fsr-3226	249	21	key	key	ADJ
fsr-3226	249	22	contributors	contributor	NOUN
fsr-3226	249	23	to	to	PART
fsr-3226	249	24	advice	advice	VERB
fsr-3226	249	25	seeking	seek	VERB
fsr-3226	249	26	behavior	behavior	NOUN
fsr-3226	249	27	,	,	PUNCT
fsr-3226	249	28	while	while	SCONJ
fsr-3226	249	29	no	no	DET
fsr-3226	249	30	relationship	relationship	NOUN
fsr-3226	249	31	is	be	AUX
fsr-3226	249	32	found	find	VERB
fsr-3226	249	33	for	for	ADP
fsr-3226	249	34	understanding	understanding	NOUN
fsr-3226	249	35	of	of	ADP
fsr-3226	249	36	compound	compound	NOUN
fsr-3226	249	37	interest	interest	NOUN
fsr-3226	249	38	,	,	PUNCT
fsr-3226	249	39	inflation	inflation	NOUN
fsr-3226	249	40	,	,	PUNCT
fsr-3226	249	41	and	and	CCONJ
fsr-3226	249	42	bonds	bond	NOUN
fsr-3226	249	43	.	.	PUNCT
fsr-3226	250	1	the	the	DET
fsr-3226	250	2	positive	positive	ADJ
fsr-3226	250	3	relationship	relationship	NOUN
fsr-3226	250	4	between	between	ADP
fsr-3226	250	5	subjective	subjective	ADJ
fsr-3226	250	6	financial	financial	ADJ
fsr-3226	250	7	knowledge	knowledge	NOUN
fsr-3226	250	8	and	and	CCONJ
fsr-3226	250	9	seeking	seek	VERB
fsr-3226	250	10	advice	advice	NOUN
fsr-3226	250	11	is	be	AUX
fsr-3226	250	12	similar	similar	ADJ
fsr-3226	250	13	to	to	ADP
fsr-3226	250	14	previous	previous	ADJ
fsr-3226	250	15	results	result	NOUN
fsr-3226	250	16	in	in	ADP
fsr-3226	250	17	collins	collins	PROPN
fsr-3226	250	18	(	(	PUNCT
fsr-3226	250	19	2012	2012	NUM
fsr-3226	250	20	)	)	PUNCT
fsr-3226	250	21	,	,	PUNCT
fsr-3226	250	22	calcagno	calcagno	NOUN
fsr-3226	250	23	and	and	CCONJ
fsr-3226	250	24	monticone	monticone	NOUN
fsr-3226	250	25	(	(	PUNCT
fsr-3226	250	26	2015	2015	NUM
fsr-3226	250	27	)	)	PUNCT
fsr-3226	250	28	,	,	PUNCT
fsr-3226	250	29	and	and	CCONJ
fsr-3226	250	30	robb	robb	VERB
fsr-3226	250	31	et	et	PROPN
fsr-3226	250	32	al	al	PROPN
fsr-3226	250	33	.	.	PROPN
fsr-3226	250	34	,	,	PUNCT
fsr-3226	250	35	(	(	PUNCT
fsr-3226	250	36	2012	2012	NUM
fsr-3226	250	37	)	)	PUNCT
fsr-3226	250	38	.	.	PUNCT
fsr-3226	251	1	the	the	DET
fsr-3226	251	2	relationship	relationship	NOUN
fsr-3226	251	3	between	between	ADP
fsr-3226	251	4	confidence	confidence	NOUN
fsr-3226	251	5	and	and	CCONJ
fsr-3226	251	6	behavior	behavior	NOUN
fsr-3226	251	7	is	be	AUX
fsr-3226	251	8	reinforced	reinforce	VERB
fsr-3226	251	9	,	,	PUNCT
fsr-3226	251	10	as	as	SCONJ
fsr-3226	251	11	individuals	individual	NOUN
fsr-3226	251	12	with	with	ADP
fsr-3226	251	13	a	a	DET
fsr-3226	251	14	more	more	ADV
fsr-3226	251	15	internal	internal	ADJ
fsr-3226	251	16	locus	locus	NOUN
fsr-3226	251	17	of	of	ADP
fsr-3226	251	18	control	control	NOUN
fsr-3226	251	19	are	be	AUX
fsr-3226	251	20	found	find	VERB
fsr-3226	251	21	to	to	PART
fsr-3226	251	22	be	be	AUX
fsr-3226	251	23	more	more	ADV
fsr-3226	251	24	likely	likely	ADJ
fsr-3226	251	25	to	to	PART
fsr-3226	251	26	seek	seek	VERB
fsr-3226	251	27	advice	advice	NOUN
fsr-3226	251	28	from	from	ADP
fsr-3226	251	29	a	a	DET
fsr-3226	251	30	financial	financial	ADJ
fsr-3226	251	31	planner	planner	NOUN
fsr-3226	251	32	.	.	PUNCT
fsr-3226	252	1	no	no	DET
fsr-3226	252	2	relationship	relationship	NOUN
fsr-3226	252	3	is	be	AUX
fsr-3226	252	4	found	find	VERB
fsr-3226	252	5	between	between	ADP
fsr-3226	252	6	cognitive	cognitive	ADJ
fsr-3226	252	7	ability	ability	NOUN
fsr-3226	252	8	(	(	PUNCT
fsr-3226	252	9	capability	capability	NOUN
fsr-3226	252	10	)	)	PUNCT
fsr-3226	252	11	and	and	CCONJ
fsr-3226	252	12	financial	financial	ADJ
fsr-3226	252	13	planner	planner	NOUN
fsr-3226	252	14	use	use	NOUN
fsr-3226	252	15	.	.	PUNCT
fsr-3226	253	1	this	this	PRON
fsr-3226	253	2	is	be	AUX
fsr-3226	253	3	surprising	surprising	ADJ
fsr-3226	253	4	,	,	PUNCT
fsr-3226	253	5	but	but	CCONJ
fsr-3226	253	6	may	may	AUX
fsr-3226	253	7	be	be	AUX
fsr-3226	253	8	because	because	SCONJ
fsr-3226	253	9	of	of	ADP
fsr-3226	253	10	the	the	DET
fsr-3226	253	11	use	use	NOUN
fsr-3226	253	12	of	of	ADP
fsr-3226	253	13	a	a	DET
fsr-3226	253	14	general	general	ADJ
fsr-3226	253	15	measure	measure	NOUN
fsr-3226	253	16	of	of	ADP
fsr-3226	253	17	capability	capability	NOUN
fsr-3226	253	18	as	as	SCONJ
fsr-3226	253	19	opposed	oppose	VERB
fsr-3226	253	20	to	to	ADP
fsr-3226	253	21	one	one	NUM
fsr-3226	253	22	specifically	specifically	ADV
fsr-3226	253	23	related	relate	VERB
fsr-3226	253	24	to	to	ADP
fsr-3226	253	25	finances	finance	NOUN
fsr-3226	253	26	.	.	PUNCT
fsr-3226	254	1	supporting	support	VERB
fsr-3226	254	2	evidence	evidence	NOUN
fsr-3226	254	3	is	be	AUX
fsr-3226	254	4	also	also	ADV
fsr-3226	254	5	found	find	VERB
fsr-3226	254	6	for	for	ADP
fsr-3226	254	7	hypotheses	hypothesis	NOUN
fsr-3226	254	8	two	two	NUM
fsr-3226	254	9	and	and	CCONJ
fsr-3226	254	10	three	three	NUM
fsr-3226	254	11	.	.	PUNCT
fsr-3226	255	1	among	among	ADP
fsr-3226	255	2	those	those	PRON
fsr-3226	255	3	who	who	PRON
fsr-3226	255	4	did	do	AUX
fsr-3226	255	5	not	not	PART
fsr-3226	255	6	have	have	VERB
fsr-3226	255	7	a	a	DET
fsr-3226	255	8	planner	planner	NOUN
fsr-3226	255	9	in	in	ADP
fsr-3226	255	10	2010	2010	NUM
fsr-3226	255	11	,	,	PUNCT
fsr-3226	255	12	individuals	individual	NOUN
fsr-3226	255	13	who	who	PRON
fsr-3226	255	14	are	be	AUX
fsr-3226	255	15	more	more	ADV
fsr-3226	255	16	knowledgeable	knowledgeable	ADJ
fsr-3226	255	17	about	about	ADP
fsr-3226	255	18	diversification	diversification	NOUN
fsr-3226	255	19	(	(	PUNCT
fsr-3226	255	20	knowledge	knowledge	NOUN
fsr-3226	255	21	)	)	PUNCT
fsr-3226	255	22	and	and	CCONJ
fsr-3226	255	23	had	have	VERB
fsr-3226	255	24	higher	high	ADJ
fsr-3226	255	25	subjective	subjective	ADJ
fsr-3226	255	26	knowledge	knowledge	NOUN
fsr-3226	255	27	(	(	PUNCT
fsr-3226	255	28	confidence	confidence	NOUN
fsr-3226	255	29	)	)	PUNCT
fsr-3226	255	30	are	be	AUX
fsr-3226	255	31	more	more	ADV
fsr-3226	255	32	likely	likely	ADJ
fsr-3226	255	33	to	to	PART
fsr-3226	255	34	adopt	adopt	VERB
fsr-3226	255	35	a	a	DET
fsr-3226	255	36	financial	financial	ADJ
fsr-3226	255	37	planner	planner	NOUN
fsr-3226	255	38	for	for	ADP
fsr-3226	255	39	retirement	retirement	NOUN
fsr-3226	255	40	planning	planning	NOUN
fsr-3226	255	41	advice	advice	NOUN
fsr-3226	255	42	.	.	PUNCT
fsr-3226	256	1	similarly	similarly	ADV
fsr-3226	256	2	,	,	PUNCT
fsr-3226	256	3	among	among	ADP
fsr-3226	256	4	those	those	PRON
fsr-3226	256	5	who	who	PRON
fsr-3226	256	6	had	have	VERB
fsr-3226	256	7	a	a	DET
fsr-3226	256	8	planner	planner	NOUN
fsr-3226	256	9	in	in	ADP
fsr-3226	256	10	2010	2010	NUM
fsr-3226	256	11	,	,	PUNCT
fsr-3226	256	12	discontinuing	discontinue	VERB
fsr-3226	256	13	planner	planner	NOUN
fsr-3226	256	14	use	use	NOUN
fsr-3226	256	15	in	in	ADP
fsr-3226	256	16	2012	2012	NUM
fsr-3226	256	17	is	be	AUX
fsr-3226	256	18	negatively	negatively	ADV
fsr-3226	256	19	associated	associate	VERB
fsr-3226	256	20	with	with	ADP
fsr-3226	256	21	an	an	DET
fsr-3226	256	22	understanding	understanding	NOUN
fsr-3226	256	23	of	of	ADP
fsr-3226	256	24	diversification	diversification	NOUN
fsr-3226	256	25	(	(	PUNCT
fsr-3226	256	26	knowledge	knowledge	NOUN
fsr-3226	256	27	)	)	PUNCT
fsr-3226	256	28	and	and	CCONJ
fsr-3226	256	29	an	an	DET
fsr-3226	256	30	internal	internal	ADJ
fsr-3226	256	31	locus	locus	NOUN
fsr-3226	256	32	of	of	ADP
fsr-3226	256	33	control	control	NOUN
fsr-3226	256	34	(	(	PUNCT
fsr-3226	256	35	confidence	confidence	NOUN
fsr-3226	256	36	)	)	PUNCT
fsr-3226	256	37	.	.	PUNCT
fsr-3226	257	1	these	these	DET
fsr-3226	257	2	results	result	NOUN
fsr-3226	257	3	reinforce	reinforce	VERB
fsr-3226	257	4	the	the	DET
fsr-3226	257	5	importance	importance	NOUN
fsr-3226	257	6	of	of	ADP
fsr-3226	257	7	higher	high	ADJ
fsr-3226	257	8	level	level	NOUN
fsr-3226	257	9	financial	financial	ADJ
fsr-3226	257	10	knowledge	knowledge	NOUN
fsr-3226	257	11	in	in	ADP
fsr-3226	257	12	the	the	DET
fsr-3226	257	13	decision	decision	NOUN
fsr-3226	257	14	to	to	PART
fsr-3226	257	15	seek	seek	VERB
fsr-3226	257	16	retirement	retirement	NOUN
fsr-3226	257	17	planning	planning	NOUN
fsr-3226	257	18	advice	advice	NOUN
fsr-3226	257	19	,	,	PUNCT
fsr-3226	257	20	as	as	ADV
fsr-3226	257	21	well	well	ADV
fsr-3226	257	22	as	as	ADP
fsr-3226	257	23	highlighting	highlight	VERB
fsr-3226	257	24	that	that	SCONJ
fsr-3226	257	25	different	different	ADJ
fsr-3226	257	26	components	component	NOUN
fsr-3226	257	27	of	of	ADP
fsr-3226	257	28	financial	financial	ADJ
fsr-3226	257	29	knowledge	knowledge	NOUN
fsr-3226	257	30	may	may	AUX
fsr-3226	257	31	be	be	AUX
fsr-3226	257	32	more	more	ADV
fsr-3226	257	33	or	or	CCONJ
fsr-3226	257	34	less	less	ADV
fsr-3226	257	35	important	important	ADJ
fsr-3226	257	36	in	in	ADP
fsr-3226	257	37	different	different	ADJ
fsr-3226	257	38	behaviors	behavior	NOUN
fsr-3226	257	39	.	.	PUNCT
fsr-3226	258	1	evidence	evidence	NOUN
fsr-3226	258	2	is	be	AUX
fsr-3226	258	3	also	also	ADV
fsr-3226	258	4	provided	provide	VERB
fsr-3226	258	5	related	relate	VERB
fsr-3226	258	6	to	to	ADP
fsr-3226	258	7	the	the	DET
fsr-3226	258	8	importance	importance	NOUN
fsr-3226	258	9	of	of	ADP
fsr-3226	258	10	financial	financial	ADJ
fsr-3226	258	11	confidence	confidence	NOUN
fsr-3226	258	12	,	,	PUNCT
fsr-3226	258	13	although	although	SCONJ
fsr-3226	258	14	depending	depend	VERB
fsr-3226	258	15	on	on	ADP
fsr-3226	258	16	the	the	DET
fsr-3226	258	17	analysis	analysis	NOUN
fsr-3226	258	18	the	the	DET
fsr-3226	258	19	specific	specific	ADJ
fsr-3226	258	20	measure	measure	NOUN
fsr-3226	258	21	of	of	ADP
fsr-3226	258	22	confidence	confidence	NOUN
fsr-3226	258	23	that	that	PRON
fsr-3226	258	24	impacted	impact	VERB
fsr-3226	258	25	behavior	behavior	NOUN
fsr-3226	258	26	differed	differ	VERB
fsr-3226	258	27	.	.	PUNCT
fsr-3226	259	1	once	once	ADV
fsr-3226	259	2	again	again	ADV
fsr-3226	259	3	,	,	PUNCT
fsr-3226	259	4	no	no	DET
fsr-3226	259	5	relationship	relationship	NOUN
fsr-3226	259	6	is	be	AUX
fsr-3226	259	7	found	find	VERB
fsr-3226	259	8	between	between	ADP
fsr-3226	259	9	cognitive	cognitive	ADJ
fsr-3226	259	10	ability	ability	NOUN
fsr-3226	259	11	(	(	PUNCT
fsr-3226	259	12	i.e.	i.e.	X
fsr-3226	259	13	,	,	PUNCT
fsr-3226	259	14	our	our	PRON
fsr-3226	259	15	proxy	proxy	NOUN
fsr-3226	259	16	for	for	ADP
fsr-3226	259	17	capability	capability	NOUN
fsr-3226	259	18	)	)	PUNCT
fsr-3226	259	19	and	and	CCONJ
fsr-3226	259	20	advice	advice	NOUN
fsr-3226	259	21	seeking	seeking	NOUN
fsr-3226	259	22	.	.	PUNCT
fsr-3226	260	1	while	while	SCONJ
fsr-3226	260	2	the	the	DET
fsr-3226	260	3	current	current	ADJ
fsr-3226	260	4	analysis	analysis	NOUN
fsr-3226	260	5	provides	provide	VERB
fsr-3226	260	6	more	more	ADJ
fsr-3226	260	7	information	information	NOUN
fsr-3226	260	8	about	about	ADP
fsr-3226	260	9	the	the	DET
fsr-3226	260	10	relationship	relationship	NOUN
fsr-3226	260	11	between	between	ADP
fsr-3226	260	12	financial	financial	ADJ
fsr-3226	260	13	literacy	literacy	NOUN
fsr-3226	260	14	and	and	CCONJ
fsr-3226	260	15	financial	financial	ADJ
fsr-3226	260	16	planner	planner	NOUN
fsr-3226	260	17	use	use	NOUN
fsr-3226	260	18	within	within	ADP
fsr-3226	260	19	the	the	DET
fsr-3226	260	20	context	context	NOUN
fsr-3226	260	21	of	of	ADP
fsr-3226	260	22	retirement	retirement	NOUN
fsr-3226	260	23	planning	planning	NOUN
fsr-3226	260	24	than	than	ADP
fsr-3226	260	25	in	in	ADP
fsr-3226	260	26	previous	previous	ADJ
fsr-3226	260	27	literature	literature	NOUN
fsr-3226	260	28	,	,	PUNCT
fsr-3226	260	29	care	care	NOUN
fsr-3226	260	30	should	should	AUX
fsr-3226	260	31	still	still	ADV
fsr-3226	260	32	be	be	AUX
fsr-3226	260	33	taken	take	VERB
fsr-3226	260	34	in	in	ADP
fsr-3226	260	35	interpreting	interpret	VERB
fsr-3226	260	36	the	the	DET
fsr-3226	260	37	current	current	ADJ
fsr-3226	260	38	results	result	NOUN
fsr-3226	260	39	.	.	PUNCT
fsr-3226	261	1	data	datum	NOUN
fsr-3226	261	2	availability	availability	NOUN
fsr-3226	261	3	limited	limit	VERB
fsr-3226	261	4	the	the	DET
fsr-3226	261	5	measurement	measurement	NOUN
fsr-3226	261	6	of	of	ADP
fsr-3226	261	7	financial	financial	ADJ
fsr-3226	261	8	knowledge	knowledge	NOUN
fsr-3226	261	9	to	to	ADP
fsr-3226	261	10	2012	2012	NUM
fsr-3226	261	11	,	,	PUNCT
fsr-3226	261	12	while	while	SCONJ
fsr-3226	261	13	ideally	ideally	ADV
fsr-3226	261	14	knowledge	knowledge	NOUN
fsr-3226	261	15	in	in	ADP
fsr-3226	261	16	2010	2010	NUM
fsr-3226	261	17	would	would	AUX
fsr-3226	261	18	be	be	AUX
fsr-3226	261	19	used	use	VERB
fsr-3226	261	20	to	to	PART
fsr-3226	261	21	predict	predict	VERB
fsr-3226	261	22	behavior	behavior	NOUN
fsr-3226	261	23	in	in	ADP
fsr-3226	261	24	2012	2012	NUM
fsr-3226	261	25	.	.	PUNCT
fsr-3226	262	1	this	this	DET
fsr-3226	262	2	measurement	measurement	NOUN
fsr-3226	262	3	issue	issue	NOUN
fsr-3226	262	4	severely	severely	ADV
fsr-3226	262	5	limits	limit	VERB
fsr-3226	262	6	the	the	DET
fsr-3226	262	7	ability	ability	NOUN
fsr-3226	262	8	to	to	PART
fsr-3226	262	9	determine	determine	VERB
fsr-3226	262	10	the	the	DET
fsr-3226	262	11	causal	causal	ADJ
fsr-3226	262	12	relationship	relationship	NOUN
fsr-3226	262	13	between	between	ADP
fsr-3226	262	14	literacy	literacy	NOUN
fsr-3226	262	15	and	and	CCONJ
fsr-3226	262	16	planner	planner	NOUN
fsr-3226	262	17	use	use	NOUN
fsr-3226	262	18	is	be	AUX
fsr-3226	262	19	limited	limit	VERB
fsr-3226	262	20	.	.	PUNCT
fsr-3226	263	1	further	far	ADV
fsr-3226	263	2	,	,	PUNCT
fsr-3226	263	3	given	give	VERB
fsr-3226	263	4	that	that	SCONJ
fsr-3226	263	5	financial	financial	ADJ
fsr-3226	263	6	planners	planner	NOUN
fsr-3226	263	7	often	often	ADV
fsr-3226	263	8	explain	explain	VERB
fsr-3226	263	9	financial	financial	ADJ
fsr-3226	263	10	concepts	concept	NOUN
fsr-3226	263	11	to	to	ADP
fsr-3226	263	12	clients	client	NOUN
fsr-3226	263	13	(	(	PUNCT
fsr-3226	263	14	i.e.	i.e.	X
fsr-3226	263	15	,	,	PUNCT
fsr-3226	263	16	they	they	PRON
fsr-3226	263	17	educate	educate	VERB
fsr-3226	263	18	their	their	PRON
fsr-3226	263	19	clients	client	NOUN
fsr-3226	263	20	)	)	PUNCT
fsr-3226	263	21	,	,	PUNCT
fsr-3226	263	22	there	there	PRON
fsr-3226	263	23	may	may	AUX
fsr-3226	263	24	be	be	AUX
fsr-3226	263	25	reverse	reverse	ADJ
fsr-3226	263	26	causality	causality	NOUN
fsr-3226	263	27	in	in	ADP
fsr-3226	263	28	our	our	PRON
fsr-3226	263	29	model	model	NOUN
fsr-3226	263	30	as	as	SCONJ
fsr-3226	263	31	seeking	seek	VERB
fsr-3226	263	32	financial	financial	ADJ
fsr-3226	263	33	help	help	NOUN
fsr-3226	263	34	may	may	AUX
fsr-3226	263	35	improve	improve	VERB
fsr-3226	263	36	financial	financial	ADJ
fsr-3226	263	37	capability	capability	NOUN
fsr-3226	263	38	.	.	PUNCT
fsr-3226	264	1	this	this	DET
fsr-3226	264	2	issue	issue	NOUN
fsr-3226	264	3	can	can	AUX
fsr-3226	264	4	be	be	AUX
fsr-3226	264	5	addressed	address	VERB
fsr-3226	264	6	upon	upon	SCONJ
fsr-3226	264	7	the	the	DET
fsr-3226	264	8	release	release	NOUN
fsr-3226	264	9	of	of	ADP
fsr-3226	264	10	future	future	ADJ
fsr-3226	264	11	waves	wave	NOUN
fsr-3226	264	12	of	of	ADP
fsr-3226	264	13	the	the	DET
fsr-3226	264	14	nlsy79	nlsy79	NOUN
fsr-3226	264	15	.	.	PUNCT
fsr-3226	265	1	lastly	lastly	ADV
fsr-3226	265	2	,	,	PUNCT
fsr-3226	265	3	there	there	PRON
fsr-3226	265	4	are	be	VERB
fsr-3226	265	5	limitations	limitation	NOUN
fsr-3226	265	6	to	to	ADP
fsr-3226	265	7	the	the	DET
fsr-3226	265	8	measure	measure	NOUN
fsr-3226	265	9	of	of	ADP
fsr-3226	265	10	financial	financial	ADJ
fsr-3226	265	11	planner	planner	NOUN
fsr-3226	265	12	use	use	VERB
fsr-3226	265	13	itself	itself	PRON
fsr-3226	265	14	.	.	PUNCT
fsr-3226	266	1	the	the	DET
fsr-3226	266	2	term	term	NOUN
fsr-3226	266	3	financial	financial	ADJ
fsr-3226	266	4	planner	planner	NOUN
fsr-3226	266	5	is	be	AUX
fsr-3226	266	6	not	not	PART
fsr-3226	266	7	clearly	clearly	ADV
fsr-3226	266	8	defined	define	VERB
fsr-3226	266	9	in	in	ADP
fsr-3226	266	10	the	the	DET
fsr-3226	266	11	survey	survey	NOUN
fsr-3226	266	12	and	and	CCONJ
fsr-3226	266	13	,	,	PUNCT
fsr-3226	266	14	consequently	consequently	ADV
fsr-3226	266	15	,	,	PUNCT
fsr-3226	266	16	respondents	respondent	NOUN
fsr-3226	266	17	may	may	AUX
fsr-3226	266	18	consider	consider	VERB
fsr-3226	266	19	a	a	DET
fsr-3226	266	20	variety	variety	NOUN
fsr-3226	266	21	of	of	ADP
fsr-3226	266	22	different	different	ADJ
fsr-3226	266	23	individuals	individual	NOUN
fsr-3226	266	24	(	(	PUNCT
fsr-3226	266	25	e.g.	e.g.	ADV
fsr-3226	266	26	,	,	PUNCT
fsr-3226	266	27	financial	financial	ADJ
fsr-3226	266	28	advisor	advisor	NOUN
fsr-3226	266	29	,	,	PUNCT
fsr-3226	266	30	stockbroker	stockbroker	NOUN
fsr-3226	266	31	,	,	PUNCT
fsr-3226	266	32	agents	agent	NOUN
fsr-3226	266	33	,	,	PUNCT
fsr-3226	266	34	etc	etc	X
fsr-3226	266	35	.	.	X
fsr-3226	266	36	)	)	PUNCT
fsr-3226	266	37	to	to	PART
fsr-3226	266	38	be	be	AUX
fsr-3226	266	39	financial	financial	ADJ
fsr-3226	266	40	planners	planner	NOUN
fsr-3226	266	41	.	.	PUNCT
fsr-3226	267	1	similarly	similarly	ADV
fsr-3226	267	2	,	,	PUNCT
fsr-3226	267	3	the	the	DET
fsr-3226	267	4	financial	financial	ADJ
fsr-3226	267	5	planner	planner	NOUN
fsr-3226	267	6	question	question	NOUN
fsr-3226	267	7	does	do	VERB
fsr-3226	267	8	344	344	NUM
fsr-3226	267	9	m.c	m.c	PROPN
fsr-3226	267	10	.	.	PROPN
fsr-3226	268	1	seay	seay	PROPN
fsr-3226	268	2	et	et	PROPN
fsr-3226	268	3	al	al	PROPN
fsr-3226	268	4	.	.	PUNCT
fsr-3226	268	5	/	/	SYM
fsr-3226	268	6	financial	financial	ADJ
fsr-3226	268	7	services	service	NOUN
fsr-3226	268	8	review	review	VERB
fsr-3226	268	9	25	25	NUM
fsr-3226	268	10	(	(	PUNCT
fsr-3226	268	11	2016	2016	NUM
fsr-3226	268	12	)	)	PUNCT
fsr-3226	269	1	331–350	331–350	NUM
fsr-3226	269	2	not	not	PART
fsr-3226	269	3	clearly	clearly	ADV
fsr-3226	269	4	indicate	indicate	VERB
fsr-3226	269	5	a	a	DET
fsr-3226	269	6	time	time	NOUN
fsr-3226	269	7	boundary	boundary	NOUN
fsr-3226	269	8	,	,	PUNCT
fsr-3226	269	9	which	which	PRON
fsr-3226	269	10	may	may	AUX
fsr-3226	269	11	lead	lead	VERB
fsr-3226	269	12	to	to	ADP
fsr-3226	269	13	some	some	DET
fsr-3226	269	14	inconsistency	inconsistency	NOUN
fsr-3226	269	15	in	in	ADP
fsr-3226	269	16	the	the	DET
fsr-3226	269	17	temporal	temporal	ADJ
fsr-3226	269	18	proximity	proximity	NOUN
fsr-3226	269	19	of	of	ADP
fsr-3226	269	20	the	the	DET
fsr-3226	269	21	planner	planner	NOUN
fsr-3226	269	22	visit	visit	NOUN
fsr-3226	269	23	to	to	ADP
fsr-3226	269	24	the	the	DET
fsr-3226	269	25	question	question	NOUN
fsr-3226	269	26	response	response	NOUN
fsr-3226	269	27	.	.	PUNCT
fsr-3226	270	1	6	6	X
fsr-3226	270	2	.	.	X
fsr-3226	270	3	conclusions	conclusion	NOUN
fsr-3226	270	4	this	this	DET
fsr-3226	270	5	study	study	NOUN
fsr-3226	270	6	reinforces	reinforce	VERB
fsr-3226	270	7	the	the	DET
fsr-3226	270	8	important	important	ADJ
fsr-3226	270	9	role	role	NOUN
fsr-3226	270	10	financial	financial	ADJ
fsr-3226	270	11	advice	advice	NOUN
fsr-3226	270	12	plays	play	VERB
fsr-3226	270	13	as	as	ADP
fsr-3226	270	14	a	a	DET
fsr-3226	270	15	compliment	compliment	NOUN
fsr-3226	270	16	to	to	ADP
fsr-3226	270	17	financial	financial	ADJ
fsr-3226	270	18	knowledge	knowledge	NOUN
fsr-3226	270	19	;	;	PUNCT
fsr-3226	270	20	higher	high	ADJ
fsr-3226	270	21	(	(	PUNCT
fsr-3226	270	22	lower	low	ADJ
fsr-3226	270	23	)	)	PUNCT
fsr-3226	270	24	levels	level	NOUN
fsr-3226	270	25	of	of	ADP
fsr-3226	270	26	financial	financial	ADJ
fsr-3226	270	27	knowledge	knowledge	NOUN
fsr-3226	270	28	are	be	AUX
fsr-3226	270	29	associated	associate	VERB
fsr-3226	270	30	with	with	ADP
fsr-3226	270	31	initiating	initiate	VERB
fsr-3226	270	32	and	and	CCONJ
fsr-3226	270	33	maintaining	maintain	VERB
fsr-3226	270	34	(	(	PUNCT
fsr-3226	270	35	dropping	drop	VERB
fsr-3226	270	36	)	)	PUNCT
fsr-3226	270	37	use	use	NOUN
fsr-3226	270	38	of	of	ADP
fsr-3226	270	39	a	a	DET
fsr-3226	270	40	financial	financial	ADJ
fsr-3226	270	41	planner	planner	NOUN
fsr-3226	270	42	for	for	ADP
fsr-3226	270	43	retirement	retirement	NOUN
fsr-3226	270	44	planning	planning	NOUN
fsr-3226	270	45	.	.	PUNCT
fsr-3226	271	1	results	result	NOUN
fsr-3226	271	2	point	point	VERB
fsr-3226	271	3	specifically	specifically	ADV
fsr-3226	271	4	to	to	ADP
fsr-3226	271	5	the	the	DET
fsr-3226	271	6	importance	importance	NOUN
fsr-3226	271	7	of	of	ADP
fsr-3226	271	8	diversification	diversification	NOUN
fsr-3226	271	9	knowledge	knowledge	NOUN
fsr-3226	271	10	as	as	ADP
fsr-3226	271	11	a	a	DET
fsr-3226	271	12	predictor	predictor	NOUN
fsr-3226	271	13	of	of	ADP
fsr-3226	271	14	financial	financial	ADJ
fsr-3226	271	15	planner	planner	NOUN
fsr-3226	271	16	use	use	NOUN
fsr-3226	271	17	.	.	PUNCT
fsr-3226	272	1	historically	historically	ADV
fsr-3226	272	2	,	,	PUNCT
fsr-3226	272	3	financial	financial	ADJ
fsr-3226	272	4	planning	planning	NOUN
fsr-3226	272	5	services	service	NOUN
fsr-3226	272	6	have	have	AUX
fsr-3226	272	7	emphasized	emphasize	VERB
fsr-3226	272	8	investment	investment	NOUN
fsr-3226	272	9	management	management	NOUN
fsr-3226	272	10	and	and	CCONJ
fsr-3226	272	11	return	return	VERB
fsr-3226	272	12	on	on	ADP
fsr-3226	272	13	investment	investment	NOUN
fsr-3226	272	14	,	,	PUNCT
fsr-3226	272	15	only	only	ADV
fsr-3226	272	16	recently	recently	ADV
fsr-3226	272	17	expanding	expand	VERB
fsr-3226	272	18	value	value	NOUN
fsr-3226	272	19	propositions	proposition	NOUN
fsr-3226	272	20	to	to	PART
fsr-3226	272	21	include	include	VERB
fsr-3226	272	22	multiple	multiple	ADJ
fsr-3226	272	23	aspects	aspect	NOUN
fsr-3226	272	24	of	of	ADP
fsr-3226	272	25	an	an	DET
fsr-3226	272	26	individual	individual	NOUN
fsr-3226	272	27	’s	’s	PART
fsr-3226	272	28	financial	financial	ADJ
fsr-3226	272	29	life	life	NOUN
fsr-3226	272	30	(	(	PUNCT
fsr-3226	272	31	kitces	kitce	NOUN
fsr-3226	272	32	,	,	PUNCT
fsr-3226	272	33	2015	2015	NUM
fsr-3226	272	34	)	)	PUNCT
fsr-3226	272	35	.	.	PUNCT
fsr-3226	273	1	as	as	SCONJ
fsr-3226	273	2	the	the	DET
fsr-3226	273	3	profession	profession	NOUN
fsr-3226	273	4	evolves	evolve	VERB
fsr-3226	273	5	,	,	PUNCT
fsr-3226	273	6	it	it	PRON
fsr-3226	273	7	will	will	AUX
fsr-3226	273	8	be	be	AUX
fsr-3226	273	9	interesting	interesting	ADJ
fsr-3226	273	10	to	to	PART
fsr-3226	273	11	see	see	VERB
fsr-3226	273	12	if	if	SCONJ
fsr-3226	273	13	the	the	DET
fsr-3226	273	14	relevance	relevance	NOUN
fsr-3226	273	15	of	of	ADP
fsr-3226	273	16	other	other	ADJ
fsr-3226	273	17	areas	area	NOUN
fsr-3226	273	18	of	of	ADP
fsr-3226	273	19	financial	financial	ADJ
fsr-3226	273	20	knowledge	knowledge	NOUN
fsr-3226	273	21	become	become	VERB
fsr-3226	273	22	more	more	ADV
fsr-3226	273	23	or	or	CCONJ
fsr-3226	273	24	less	less	ADV
fsr-3226	273	25	important	important	ADJ
fsr-3226	273	26	relative	relative	ADJ
fsr-3226	273	27	to	to	ADP
fsr-3226	273	28	diversification	diversification	NOUN
fsr-3226	273	29	knowledge	knowledge	NOUN
fsr-3226	273	30	.	.	PUNCT
fsr-3226	274	1	however	however	ADV
fsr-3226	274	2	,	,	PUNCT
fsr-3226	274	3	current	current	ADJ
fsr-3226	274	4	clients	client	NOUN
fsr-3226	274	5	that	that	PRON
fsr-3226	274	6	are	be	AUX
fsr-3226	274	7	better	well	ADV
fsr-3226	274	8	equipped	equip	VERB
fsr-3226	274	9	to	to	PART
fsr-3226	274	10	understand	understand	VERB
fsr-3226	274	11	the	the	DET
fsr-3226	274	12	value	value	NOUN
fsr-3226	274	13	of	of	ADP
fsr-3226	274	14	investment	investment	NOUN
fsr-3226	274	15	advice	advice	NOUN
fsr-3226	274	16	are	be	AUX
fsr-3226	274	17	more	more	ADV
fsr-3226	274	18	likely	likely	ADJ
fsr-3226	274	19	to	to	PART
fsr-3226	274	20	adopt	adopt	VERB
fsr-3226	274	21	and	and	CCONJ
fsr-3226	274	22	use	use	VERB
fsr-3226	274	23	a	a	DET
fsr-3226	274	24	financial	financial	ADJ
fsr-3226	274	25	planner	planner	NOUN
fsr-3226	274	26	,	,	PUNCT
fsr-3226	274	27	while	while	SCONJ
fsr-3226	274	28	also	also	ADV
fsr-3226	274	29	being	be	AUX
fsr-3226	274	30	less	less	ADV
fsr-3226	274	31	likely	likely	ADJ
fsr-3226	274	32	to	to	PART
fsr-3226	274	33	stop	stop	VERB
fsr-3226	274	34	using	use	VERB
fsr-3226	274	35	a	a	DET
fsr-3226	274	36	financial	financial	ADJ
fsr-3226	274	37	planner	planner	NOUN
fsr-3226	274	38	.	.	PUNCT
fsr-3226	275	1	this	this	PRON
fsr-3226	275	2	suggests	suggest	VERB
fsr-3226	275	3	that	that	SCONJ
fsr-3226	275	4	planners	planner	NOUN
fsr-3226	275	5	should	should	AUX
fsr-3226	275	6	continue	continue	VERB
fsr-3226	275	7	to	to	PART
fsr-3226	275	8	educate	educate	VERB
fsr-3226	275	9	clients	client	NOUN
fsr-3226	275	10	on	on	ADP
fsr-3226	275	11	the	the	DET
fsr-3226	275	12	value	value	NOUN
fsr-3226	275	13	of	of	ADP
fsr-3226	275	14	diversification	diversification	NOUN
fsr-3226	275	15	and	and	CCONJ
fsr-3226	275	16	asset	asset	NOUN
fsr-3226	275	17	allocation	allocation	NOUN
fsr-3226	275	18	.	.	PUNCT
fsr-3226	276	1	this	this	DET
fsr-3226	276	2	article	article	NOUN
fsr-3226	276	3	also	also	ADV
fsr-3226	276	4	highlights	highlight	VERB
fsr-3226	276	5	the	the	DET
fsr-3226	276	6	importance	importance	NOUN
fsr-3226	276	7	of	of	ADP
fsr-3226	276	8	incorporating	incorporate	VERB
fsr-3226	276	9	huston	huston	PROPN
fsr-3226	276	10	’s	’s	PART
fsr-3226	276	11	(	(	PUNCT
fsr-3226	276	12	2010	2010	NUM
fsr-3226	276	13	)	)	PUNCT
fsr-3226	276	14	framework	framework	NOUN
fsr-3226	276	15	for	for	ADP
fsr-3226	276	16	financial	financial	ADJ
fsr-3226	276	17	literacy	literacy	NOUN
fsr-3226	276	18	in	in	ADP
fsr-3226	276	19	future	future	ADJ
fsr-3226	276	20	research	research	NOUN
fsr-3226	276	21	.	.	PUNCT
fsr-3226	277	1	the	the	DET
fsr-3226	277	2	inclusion	inclusion	NOUN
fsr-3226	277	3	of	of	ADP
fsr-3226	277	4	the	the	DET
fsr-3226	277	5	three	three	NUM
fsr-3226	277	6	elements	element	NOUN
fsr-3226	277	7	of	of	ADP
fsr-3226	277	8	financial	financial	ADJ
fsr-3226	277	9	literacy	literacy	NOUN
fsr-3226	277	10	provides	provide	VERB
fsr-3226	277	11	a	a	DET
fsr-3226	277	12	better	well	ADJ
fsr-3226	277	13	conceptual	conceptual	ADJ
fsr-3226	277	14	understanding	understanding	NOUN
fsr-3226	277	15	of	of	ADP
fsr-3226	277	16	one	one	NUM
fsr-3226	277	17	’s	’s	PART
fsr-3226	277	18	ability	ability	NOUN
fsr-3226	277	19	to	to	PART
fsr-3226	277	20	evaluate	evaluate	VERB
fsr-3226	277	21	financial	financial	ADJ
fsr-3226	277	22	scenarios	scenario	NOUN
fsr-3226	277	23	and	and	CCONJ
fsr-3226	277	24	implement	implement	VERB
fsr-3226	277	25	financial	financial	ADJ
fsr-3226	277	26	planning	planning	NOUN
fsr-3226	277	27	decisions	decision	NOUN
fsr-3226	277	28	.	.	PUNCT
fsr-3226	278	1	similarly	similarly	ADV
fsr-3226	278	2	,	,	PUNCT
fsr-3226	278	3	results	result	NOUN
fsr-3226	278	4	highlight	highlight	VERB
fsr-3226	278	5	the	the	DET
fsr-3226	278	6	importance	importance	NOUN
fsr-3226	278	7	of	of	ADP
fsr-3226	278	8	carefully	carefully	ADV
fsr-3226	278	9	evaluating	evaluate	VERB
fsr-3226	278	10	the	the	DET
fsr-3226	278	11	use	use	NOUN
fsr-3226	278	12	of	of	ADP
fsr-3226	278	13	scales	scale	NOUN
fsr-3226	278	14	to	to	PART
fsr-3226	278	15	measure	measure	VERB
fsr-3226	278	16	financial	financial	ADJ
fsr-3226	278	17	knowledge	knowledge	NOUN
fsr-3226	278	18	.	.	PUNCT
fsr-3226	279	1	the	the	DET
fsr-3226	279	2	most	most	ADV
fsr-3226	279	3	prominent	prominent	ADJ
fsr-3226	279	4	studies	study	NOUN
fsr-3226	279	5	investigating	investigate	VERB
fsr-3226	279	6	financial	financial	ADJ
fsr-3226	279	7	help	help	NOUN
fsr-3226	279	8	-	-	PUNCT
fsr-3226	279	9	seeking	seek	VERB
fsr-3226	279	10	behavior	behavior	NOUN
fsr-3226	279	11	have	have	AUX
fsr-3226	279	12	employed	employ	VERB
fsr-3226	279	13	a	a	DET
fsr-3226	279	14	summated	summate	VERB
fsr-3226	279	15	scale	scale	NOUN
fsr-3226	279	16	(	(	PUNCT
fsr-3226	279	17	collins	collin	NOUN
fsr-3226	279	18	,	,	PUNCT
fsr-3226	279	19	2012	2012	NUM
fsr-3226	279	20	;	;	PUNCT
fsr-3226	279	21	calcagno	calcagno	NOUN
fsr-3226	279	22	and	and	CCONJ
fsr-3226	279	23	monticone	monticone	NOUN
fsr-3226	279	24	,	,	PUNCT
fsr-3226	279	25	2015	2015	NUM
fsr-3226	279	26	;	;	PUNCT
fsr-3226	279	27	robb	robb	VERB
fsr-3226	279	28	et	et	PROPN
fsr-3226	279	29	al	al	PROPN
fsr-3226	279	30	.	.	PROPN
fsr-3226	279	31	,	,	PUNCT
fsr-3226	279	32	2012	2012	NUM
fsr-3226	279	33	)	)	PUNCT
fsr-3226	279	34	.	.	PUNCT
fsr-3226	280	1	by	by	ADP
fsr-3226	280	2	including	include	VERB
fsr-3226	280	3	items	item	NOUN
fsr-3226	280	4	individually	individually	ADV
fsr-3226	280	5	,	,	PUNCT
fsr-3226	280	6	this	this	DET
fsr-3226	280	7	research	research	NOUN
fsr-3226	280	8	was	be	AUX
fsr-3226	280	9	able	able	ADJ
fsr-3226	280	10	to	to	PART
fsr-3226	280	11	identify	identify	VERB
fsr-3226	280	12	the	the	DET
fsr-3226	280	13	aspects	aspect	NOUN
fsr-3226	280	14	of	of	ADP
fsr-3226	280	15	financial	financial	ADJ
fsr-3226	280	16	knowledge	knowledge	NOUN
fsr-3226	280	17	that	that	PRON
fsr-3226	280	18	were	be	AUX
fsr-3226	280	19	most	most	ADV
fsr-3226	280	20	critical	critical	ADJ
fsr-3226	280	21	to	to	ADP
fsr-3226	280	22	seeking	seek	VERB
fsr-3226	280	23	retirement	retirement	NOUN
fsr-3226	280	24	planning	planning	NOUN
fsr-3226	280	25	advice	advice	NOUN
fsr-3226	280	26	from	from	ADP
fsr-3226	280	27	a	a	DET
fsr-3226	280	28	financial	financial	ADJ
fsr-3226	280	29	planner	planner	NOUN
fsr-3226	280	30	.	.	PUNCT
fsr-3226	281	1	notably	notably	ADV
fsr-3226	281	2	,	,	PUNCT
fsr-3226	281	3	the	the	DET
fsr-3226	281	4	summated	summate	VERB
fsr-3226	281	5	scale	scale	NOUN
fsr-3226	281	6	used	use	VERB
fsr-3226	281	7	in	in	ADP
fsr-3226	281	8	previous	previous	ADJ
fsr-3226	281	9	literature	literature	NOUN
fsr-3226	281	10	was	be	AUX
fsr-3226	281	11	found	find	VERB
fsr-3226	281	12	to	to	PART
fsr-3226	281	13	have	have	VERB
fsr-3226	281	14	extremely	extremely	ADV
fsr-3226	281	15	poor	poor	ADJ
fsr-3226	281	16	reliability	reliability	NOUN
fsr-3226	281	17	(	(	PUNCT
fsr-3226	281	18	�	�	PROPN
fsr-3226	281	19	�	�	PROPN
fsr-3226	281	20	0.37	0.37	NUM
fsr-3226	281	21	)	)	PUNCT
fsr-3226	281	22	within	within	ADP
fsr-3226	281	23	the	the	DET
fsr-3226	281	24	sample	sample	NOUN
fsr-3226	281	25	of	of	ADP
fsr-3226	281	26	interest	interest	NOUN
fsr-3226	281	27	.	.	PUNCT
fsr-3226	282	1	given	give	VERB
fsr-3226	282	2	this	this	DET
fsr-3226	282	3	result	result	NOUN
fsr-3226	282	4	,	,	PUNCT
fsr-3226	282	5	researchers	researcher	NOUN
fsr-3226	282	6	should	should	AUX
fsr-3226	282	7	be	be	AUX
fsr-3226	282	8	cautious	cautious	ADJ
fsr-3226	282	9	in	in	ADP
fsr-3226	282	10	constructing	construct	VERB
fsr-3226	282	11	measures	measure	NOUN
fsr-3226	282	12	of	of	ADP
fsr-3226	282	13	financial	financial	ADJ
fsr-3226	282	14	knowledge	knowledge	NOUN
fsr-3226	282	15	and	and	CCONJ
fsr-3226	282	16	be	be	AUX
fsr-3226	282	17	more	more	ADV
fsr-3226	282	18	inclusive	inclusive	ADJ
fsr-3226	282	19	of	of	ADP
fsr-3226	282	20	the	the	DET
fsr-3226	282	21	other	other	ADJ
fsr-3226	282	22	components	component	NOUN
fsr-3226	282	23	of	of	ADP
fsr-3226	282	24	financial	financial	ADJ
fsr-3226	282	25	literacy	literacy	NOUN
fsr-3226	282	26	to	to	PART
fsr-3226	282	27	permit	permit	VERB
fsr-3226	282	28	a	a	DET
fsr-3226	282	29	more	more	ADV
fsr-3226	282	30	complete	complete	ADJ
fsr-3226	282	31	understanding	understanding	NOUN
fsr-3226	282	32	of	of	ADP
fsr-3226	282	33	phenomenon	phenomenon	NOUN
fsr-3226	282	34	.	.	PUNCT
fsr-3226	283	1	omitting	omit	VERB
fsr-3226	283	2	the	the	DET
fsr-3226	283	3	capability	capability	NOUN
fsr-3226	283	4	and	and	CCONJ
fsr-3226	283	5	confidence	confidence	NOUN
fsr-3226	283	6	aspects	aspect	NOUN
fsr-3226	283	7	of	of	ADP
fsr-3226	283	8	financial	financial	ADJ
fsr-3226	283	9	literacy	literacy	NOUN
fsr-3226	283	10	may	may	AUX
fsr-3226	283	11	lead	lead	VERB
fsr-3226	283	12	to	to	ADP
fsr-3226	283	13	invalid	invalid	ADJ
fsr-3226	283	14	conclusions	conclusion	NOUN
fsr-3226	283	15	.	.	PUNCT
fsr-3226	284	1	notes	note	VERB
fsr-3226	284	2	1	1	NUM
fsr-3226	284	3	robb	robb	NOUN
fsr-3226	284	4	and	and	CCONJ
fsr-3226	284	5	woodyard	woodyard	AUX
fsr-3226	284	6	identify	identify	VERB
fsr-3226	284	7	best	good	ADJ
fsr-3226	284	8	practice	practice	NOUN
fsr-3226	284	9	financial	financial	ADJ
fsr-3226	284	10	behaviors	behavior	NOUN
fsr-3226	284	11	as	as	ADP
fsr-3226	284	12	having	have	VERB
fsr-3226	284	13	an	an	DET
fsr-3226	284	14	emergency	emergency	NOUN
fsr-3226	284	15	fund	fund	NOUN
fsr-3226	284	16	,	,	PUNCT
fsr-3226	284	17	obtaining	obtain	VERB
fsr-3226	284	18	a	a	DET
fsr-3226	284	19	personal	personal	ADJ
fsr-3226	284	20	credit	credit	NOUN
fsr-3226	284	21	report	report	NOUN
fsr-3226	284	22	,	,	PUNCT
fsr-3226	284	23	not	not	PART
fsr-3226	284	24	overdrafting	overdrafte	VERB
fsr-3226	284	25	checking	checking	NOUN
fsr-3226	284	26	accounts	account	NOUN
fsr-3226	284	27	,	,	PUNCT
fsr-3226	284	28	paying	pay	VERB
fsr-3226	284	29	off	off	ADP
fsr-3226	284	30	credit	credit	NOUN
fsr-3226	284	31	cards	card	NOUN
fsr-3226	284	32	in	in	ADP
fsr-3226	284	33	full	full	ADJ
fsr-3226	284	34	,	,	PUNCT
fsr-3226	284	35	having	have	VERB
fsr-3226	284	36	a	a	DET
fsr-3226	284	37	retirement	retirement	NOUN
fsr-3226	284	38	plan	plan	NOUN
fsr-3226	284	39	,	,	PUNCT
fsr-3226	284	40	and	and	CCONJ
fsr-3226	284	41	owning	own	VERB
fsr-3226	284	42	appropriate	appropriate	ADJ
fsr-3226	284	43	insurance	insurance	NOUN
fsr-3226	284	44	.	.	PUNCT
fsr-3226	285	1	2	2	NUM
fsr-3226	285	2	lachance	lachance	NOUN
fsr-3226	285	3	and	and	CCONJ
fsr-3226	285	4	tang	tang	NOUN
fsr-3226	285	5	distinguished	distinguish	VERB
fsr-3226	285	6	between	between	ADP
fsr-3226	285	7	five	five	NUM
fsr-3226	285	8	areas	area	NOUN
fsr-3226	285	9	of	of	ADP
fsr-3226	285	10	financial	financial	ADJ
fsr-3226	285	11	advice	advice	NOUN
fsr-3226	285	12	:	:	PUNCT
fsr-3226	285	13	saving	saving	NOUN
fsr-3226	285	14	or	or	CCONJ
fsr-3226	285	15	investments	investment	NOUN
fsr-3226	285	16	,	,	PUNCT
fsr-3226	285	17	tax	tax	NOUN
fsr-3226	285	18	planning	planning	NOUN
fsr-3226	285	19	,	,	PUNCT
fsr-3226	285	20	insurance	insurance	NOUN
fsr-3226	285	21	,	,	PUNCT
fsr-3226	285	22	mortgage	mortgage	NOUN
fsr-3226	285	23	or	or	CCONJ
fsr-3226	285	24	loan	loan	NOUN
fsr-3226	285	25	,	,	PUNCT
fsr-3226	285	26	and	and	CCONJ
fsr-3226	285	27	debt	debt	NOUN
fsr-3226	285	28	counseling	counseling	NOUN
fsr-3226	285	29	.	.	PUNCT
fsr-3226	286	1	their	their	PRON
fsr-3226	286	2	use	use	NOUN
fsr-3226	286	3	of	of	ADP
fsr-3226	286	4	the	the	DET
fsr-3226	286	5	term	term	NOUN
fsr-3226	286	6	“	"	PUNCT
fsr-3226	286	7	financial	financial	ADJ
fsr-3226	286	8	exposure	exposure	NOUN
fsr-3226	286	9	”	"	PUNCT
fsr-3226	286	10	is	be	AUX
fsr-3226	286	11	meant	mean	VERB
fsr-3226	286	12	to	to	PART
fsr-3226	286	13	capture	capture	VERB
fsr-3226	286	14	how	how	SCONJ
fsr-3226	286	15	the	the	DET
fsr-3226	286	16	relevance	relevance	NOUN
fsr-3226	286	17	of	of	ADP
fsr-3226	286	18	each	each	DET
fsr-3226	286	19	type	type	NOUN
fsr-3226	286	20	of	of	ADP
fsr-3226	286	21	advice	advice	NOUN
fsr-3226	286	22	varies	vary	VERB
fsr-3226	286	23	among	among	ADP
fsr-3226	286	24	consumers	consumer	NOUN
fsr-3226	286	25	based	base	VERB
fsr-3226	286	26	on	on	ADP
fsr-3226	286	27	their	their	PRON
fsr-3226	286	28	financial	financial	ADJ
fsr-3226	286	29	position	position	NOUN
fsr-3226	286	30	.	.	PUNCT
fsr-3226	287	1	for	for	ADP
fsr-3226	287	2	example	example	NOUN
fsr-3226	287	3	,	,	PUNCT
fsr-3226	287	4	debt	debt	NOUN
fsr-3226	287	5	counseling	counseling	NOUN
fsr-3226	287	6	is	be	AUX
fsr-3226	287	7	most	most	ADV
fsr-3226	287	8	relevant	relevant	ADJ
fsr-3226	287	9	to	to	ADP
fsr-3226	287	10	someone	someone	PRON
fsr-3226	287	11	who	who	PRON
fsr-3226	287	12	has	have	VERB
fsr-3226	287	13	debt	debt	NOUN
fsr-3226	287	14	.	.	PUNCT
fsr-3226	288	1	345m.c	345m.c	NUM
fsr-3226	288	2	.	.	PUNCT
fsr-3226	289	1	seay	seay	PROPN
fsr-3226	289	2	et	et	PROPN
fsr-3226	289	3	al	al	PROPN
fsr-3226	289	4	.	.	PUNCT
fsr-3226	289	5	/	/	SYM
fsr-3226	289	6	financial	financial	ADJ
fsr-3226	289	7	services	service	NOUN
fsr-3226	289	8	review	review	VERB
fsr-3226	289	9	25	25	NUM
fsr-3226	289	10	(	(	PUNCT
fsr-3226	289	11	2016	2016	NUM
fsr-3226	289	12	)	)	PUNCT
fsr-3226	290	1	331–350	331–350	NUM
fsr-3226	290	2	appendix	appendix	VERB
fsr-3226	290	3	variable	variable	ADJ
fsr-3226	290	4	coding	coding	NOUN
fsr-3226	290	5	and	and	CCONJ
fsr-3226	290	6	descriptive	descriptive	ADJ
fsr-3226	290	7	statistics	statistic	NOUN
fsr-3226	290	8	variable	variable	ADJ
fsr-3226	290	9	name	name	NOUN
fsr-3226	290	10	description	description	NOUN
fsr-3226	290	11	year	year	NOUN
fsr-3226	290	12	collected	collect	VERB
fsr-3226	290	13	dependent	dependent	ADJ
fsr-3226	290	14	variables	variable	NOUN
fsr-3226	290	15	use	use	NOUN
fsr-3226	290	16	of	of	ADP
fsr-3226	290	17	financial	financial	ADJ
fsr-3226	290	18	planner	planner	NOUN
fsr-3226	290	19	�	�	PROPN
fsr-3226	290	20	1	1	NUM
fsr-3226	290	21	if	if	SCONJ
fsr-3226	290	22	respondent	respondent	NOUN
fsr-3226	290	23	answered	answer	VERB
fsr-3226	290	24	yes	yes	INTJ
fsr-3226	290	25	to	to	PART
fsr-3226	290	26	“	"	PUNCT
fsr-3226	290	27	consulted	consult	VERB
fsr-3226	290	28	a	a	DET
fsr-3226	290	29	financial	financial	ADJ
fsr-3226	290	30	planner	planner	NOUN
fsr-3226	290	31	about	about	ADP
fsr-3226	290	32	how	how	SCONJ
fsr-3226	290	33	to	to	PART
fsr-3226	290	34	plan	plan	VERB
fsr-3226	290	35	[	[	PUNCT
fsr-3226	290	36	your	your	PRON
fsr-3226	290	37	]	]	PUNCT
fsr-3226	290	38	finances	finance	NOUN
fsr-3226	290	39	after	after	ADP
fsr-3226	290	40	retirement	retirement	NOUN
fsr-3226	290	41	.	.	PUNCT
fsr-3226	290	42	”	"	PUNCT
fsr-3226	291	1	2010	2010	NUM
fsr-3226	291	2	,	,	PUNCT
fsr-3226	291	3	2012	2012	NUM
fsr-3226	291	4	controls	control	VERB
fsr-3226	291	5	age	age	NOUN
fsr-3226	291	6	age	age	NOUN
fsr-3226	291	7	of	of	ADP
fsr-3226	291	8	respondent	respondent	NOUN
fsr-3226	291	9	at	at	ADP
fsr-3226	291	10	interview	interview	NOUN
fsr-3226	291	11	date	date	NOUN
fsr-3226	291	12	.	.	PUNCT
fsr-3226	292	1	continuous	continuous	ADJ
fsr-3226	292	2	variable	variable	NOUN
fsr-3226	292	3	ranging	range	VERB
fsr-3226	292	4	from	from	ADP
fsr-3226	292	5	40	40	NUM
fsr-3226	292	6	to	to	ADP
fsr-3226	292	7	56	56	NUM
fsr-3226	292	8	.	.	NOUN
fsr-3226	292	9	2012	2012	NUM
fsr-3226	292	10	gender	gender	NOUN
fsr-3226	292	11	male	male	NOUN
fsr-3226	292	12	�	�	PROPN
fsr-3226	292	13	1	1	NUM
fsr-3226	292	14	if	if	SCONJ
fsr-3226	292	15	respondent	respondent	NOUN
fsr-3226	292	16	’s	’	VERB
fsr-3226	292	17	reported	report	VERB
fsr-3226	292	18	sex	sex	NOUN
fsr-3226	292	19	was	be	AUX
fsr-3226	292	20	male	male	ADJ
fsr-3226	292	21	.	.	PUNCT
fsr-3226	293	1	1979	1979	NUM
fsr-3226	293	2	marital	marital	ADJ
fsr-3226	293	3	status	status	NOUN
fsr-3226	293	4	married	marry	VERB
fsr-3226	293	5	�	�	PROPN
fsr-3226	293	6	1	1	NUM
fsr-3226	293	7	if	if	SCONJ
fsr-3226	293	8	respondent	respondent	NOUN
fsr-3226	293	9	reported	report	VERB
fsr-3226	293	10	being	be	AUX
fsr-3226	293	11	married	marry	VERB
fsr-3226	293	12	.	.	PUNCT
fsr-3226	294	1	2012	2012	NUM
fsr-3226	294	2	race	race	NOUN
fsr-3226	294	3	/	/	SYM
fsr-3226	294	4	ethnicity	ethnicity	NOUN
fsr-3226	294	5	white	white	PROPN
fsr-3226	294	6	�	�	PROPN
fsr-3226	294	7	1	1	NUM
fsr-3226	294	8	if	if	SCONJ
fsr-3226	294	9	respondent	respondent	NOUN
fsr-3226	294	10	’s	’s	PART
fsr-3226	294	11	reported	report	VERB
fsr-3226	294	12	race	race	NOUN
fsr-3226	294	13	/	/	SYM
fsr-3226	294	14	ethnicity	ethnicity	NOUN
fsr-3226	294	15	was	be	AUX
fsr-3226	294	16	white	white	ADJ
fsr-3226	294	17	only	only	ADV
fsr-3226	294	18	.	.	PUNCT
fsr-3226	295	1	2012	2012	NUM
fsr-3226	295	2	black	black	ADJ
fsr-3226	295	3	�	�	PROPN
fsr-3226	295	4	1	1	NUM
fsr-3226	295	5	if	if	SCONJ
fsr-3226	295	6	respondent	respondent	NOUN
fsr-3226	295	7	’s	’s	PART
fsr-3226	295	8	reported	report	VERB
fsr-3226	295	9	race	race	NOUN
fsr-3226	295	10	/	/	SYM
fsr-3226	295	11	ethnicity	ethnicity	NOUN
fsr-3226	295	12	was	be	AUX
fsr-3226	295	13	black	black	ADJ
fsr-3226	295	14	only	only	ADV
fsr-3226	295	15	.	.	PUNCT
fsr-3226	296	1	2012	2012	NUM
fsr-3226	296	2	hispanic	hispanic	ADJ
fsr-3226	296	3	�	�	PROPN
fsr-3226	296	4	1	1	NUM
fsr-3226	296	5	if	if	SCONJ
fsr-3226	296	6	respondent	respondent	NOUN
fsr-3226	296	7	’s	’s	PART
fsr-3226	296	8	reported	report	VERB
fsr-3226	296	9	race	race	NOUN
fsr-3226	296	10	/	/	SYM
fsr-3226	296	11	ethnicity	ethnicity	NOUN
fsr-3226	296	12	was	be	AUX
fsr-3226	296	13	hispanic	hispanic	ADJ
fsr-3226	296	14	.	.	PUNCT
fsr-3226	297	1	2012	2012	NUM
fsr-3226	297	2	education	education	NOUN
fsr-3226	297	3	less	less	ADJ
fsr-3226	297	4	than	than	ADP
fsr-3226	297	5	high	high	ADJ
fsr-3226	297	6	school	school	NOUN
fsr-3226	297	7	�	�	PROPN
fsr-3226	297	8	1	1	NUM
fsr-3226	297	9	if	if	SCONJ
fsr-3226	297	10	highest	high	ADJ
fsr-3226	297	11	education	education	NOUN
fsr-3226	297	12	level	level	NOUN
fsr-3226	297	13	of	of	ADP
fsr-3226	297	14	respondent	respondent	NOUN
fsr-3226	297	15	was	be	AUX
fsr-3226	297	16	less	less	ADJ
fsr-3226	297	17	than	than	ADP
fsr-3226	297	18	a	a	DET
fsr-3226	297	19	high	high	ADJ
fsr-3226	297	20	school	school	NOUN
fsr-3226	297	21	diploma	diploma	NOUN
fsr-3226	297	22	.	.	PUNCT
fsr-3226	298	1	2012	2012	NUM
fsr-3226	298	2	high	high	ADJ
fsr-3226	298	3	school	school	NOUN
fsr-3226	298	4	�	�	PROPN
fsr-3226	298	5	1	1	NUM
fsr-3226	298	6	if	if	SCONJ
fsr-3226	298	7	highest	high	ADJ
fsr-3226	298	8	education	education	NOUN
fsr-3226	298	9	level	level	NOUN
fsr-3226	298	10	of	of	ADP
fsr-3226	298	11	respondent	respondent	NOUN
fsr-3226	298	12	was	be	AUX
fsr-3226	298	13	a	a	DET
fsr-3226	298	14	high	high	ADJ
fsr-3226	298	15	school	school	NOUN
fsr-3226	298	16	diploma	diploma	NOUN
fsr-3226	298	17	or	or	CCONJ
fsr-3226	298	18	equivalent	equivalent	ADJ
fsr-3226	298	19	.	.	PUNCT
fsr-3226	299	1	2012	2012	NUM
fsr-3226	299	2	some	some	DET
fsr-3226	299	3	college	college	NOUN
fsr-3226	299	4	�	�	PROPN
fsr-3226	299	5	1	1	NUM
fsr-3226	299	6	if	if	SCONJ
fsr-3226	299	7	highest	high	ADJ
fsr-3226	299	8	education	education	NOUN
fsr-3226	299	9	level	level	NOUN
fsr-3226	299	10	of	of	ADP
fsr-3226	299	11	respondent	respondent	NOUN
fsr-3226	299	12	was	be	AUX
fsr-3226	299	13	less	less	ADJ
fsr-3226	299	14	than	than	ADP
fsr-3226	299	15	four	four	NUM
fsr-3226	299	16	years	year	NOUN
fsr-3226	299	17	of	of	ADP
fsr-3226	299	18	college	college	NOUN
fsr-3226	299	19	.	.	PUNCT
fsr-3226	300	1	2012	2012	NUM
fsr-3226	300	2	college	college	NOUN
fsr-3226	300	3	degree	degree	NOUN
fsr-3226	300	4	�	�	PROPN
fsr-3226	300	5	1	1	NUM
fsr-3226	300	6	if	if	SCONJ
fsr-3226	300	7	highest	high	ADJ
fsr-3226	300	8	education	education	NOUN
fsr-3226	300	9	level	level	NOUN
fsr-3226	300	10	of	of	ADP
fsr-3226	300	11	respondent	respondent	NOUN
fsr-3226	300	12	was	be	AUX
fsr-3226	300	13	four	four	NUM
fsr-3226	300	14	years	year	NOUN
fsr-3226	300	15	of	of	ADP
fsr-3226	300	16	college	college	NOUN
fsr-3226	300	17	or	or	CCONJ
fsr-3226	300	18	more	more	ADJ
fsr-3226	300	19	.	.	PUNCT
fsr-3226	301	1	2012	2012	NUM
fsr-3226	301	2	employment	employment	NOUN
fsr-3226	301	3	status	status	NOUN
fsr-3226	301	4	unemployed	unemployed	PROPN
fsr-3226	301	5	�	�	PROPN
fsr-3226	301	6	1	1	NUM
fsr-3226	301	7	if	if	SCONJ
fsr-3226	301	8	respondent	respondent	NOUN
fsr-3226	301	9	reported	report	VERB
fsr-3226	301	10	being	be	AUX
fsr-3226	301	11	temporarily	temporarily	ADV
fsr-3226	301	12	laid	lay	VERB
fsr-3226	301	13	off	off	ADP
fsr-3226	301	14	or	or	CCONJ
fsr-3226	301	15	unemployed	unemployed	ADJ
fsr-3226	301	16	and	and	CCONJ
fsr-3226	301	17	looking	look	VERB
fsr-3226	301	18	for	for	ADP
fsr-3226	301	19	work	work	NOUN
fsr-3226	301	20	.	.	PUNCT
fsr-3226	302	1	2012	2012	NUM
fsr-3226	302	2	employed	employ	VERB
fsr-3226	302	3	�	�	PROPN
fsr-3226	302	4	1	1	NUM
fsr-3226	302	5	if	if	SCONJ
fsr-3226	302	6	respondent	respondent	NOUN
fsr-3226	302	7	reported	report	VERB
fsr-3226	302	8	working	work	VERB
fsr-3226	302	9	now	now	ADV
fsr-3226	302	10	.	.	PUNCT
fsr-3226	303	1	2012	2012	NUM
fsr-3226	303	2	unable	unable	ADJ
fsr-3226	303	3	to	to	PART
fsr-3226	303	4	work	work	VERB
fsr-3226	303	5	�	�	PROPN
fsr-3226	303	6	1	1	NUM
fsr-3226	303	7	if	if	SCONJ
fsr-3226	303	8	respondent	respondent	NOUN
fsr-3226	303	9	reported	report	VERB
fsr-3226	303	10	being	be	AUX
fsr-3226	303	11	disabled	disabled	ADJ
fsr-3226	303	12	and	and	CCONJ
fsr-3226	303	13	unable	unable	ADJ
fsr-3226	303	14	to	to	PART
fsr-3226	303	15	look	look	VERB
fsr-3226	303	16	for	for	ADP
fsr-3226	303	17	work	work	NOUN
fsr-3226	303	18	.	.	PUNCT
fsr-3226	304	1	2012	2012	NUM
fsr-3226	304	2	work	work	NOUN
fsr-3226	304	3	/	/	SYM
fsr-3226	304	4	other	other	ADJ
fsr-3226	304	5	�	�	PROPN
fsr-3226	304	6	1	1	NUM
fsr-3226	304	7	if	if	SCONJ
fsr-3226	304	8	respondent	respondent	NOUN
fsr-3226	304	9	reported	report	VERB
fsr-3226	304	10	being	be	AUX
fsr-3226	304	11	retired	retire	VERB
fsr-3226	304	12	,	,	PUNCT
fsr-3226	304	13	a	a	DET
fsr-3226	304	14	homemaker	homemaker	NOUN
fsr-3226	304	15	,	,	PUNCT
fsr-3226	304	16	or	or	CCONJ
fsr-3226	304	17	other	other	ADJ
fsr-3226	304	18	.	.	PUNCT
fsr-3226	304	19	2012	2012	NUM
fsr-3226	304	20	other	other	ADJ
fsr-3226	304	21	control	control	NOUN
fsr-3226	304	22	variables	variable	NOUN
fsr-3226	304	23	urban	urban	ADJ
fsr-3226	304	24	area	area	NOUN
fsr-3226	304	25	�	�	PROPN
fsr-3226	304	26	1	1	NUM
fsr-3226	304	27	if	if	SCONJ
fsr-3226	304	28	respondent	respondent	NOUN
fsr-3226	304	29	reported	report	VERB
fsr-3226	304	30	that	that	SCONJ
fsr-3226	304	31	residence	residence	NOUN
fsr-3226	304	32	was	be	AUX
fsr-3226	304	33	located	locate	VERB
fsr-3226	304	34	in	in	ADP
fsr-3226	304	35	an	an	DET
fsr-3226	304	36	urban	urban	ADJ
fsr-3226	304	37	area	area	NOUN
fsr-3226	304	38	.	.	PUNCT
fsr-3226	305	1	2012	2012	NUM
fsr-3226	305	2	health	health	NOUN
fsr-3226	305	3	insurance	insurance	NOUN
fsr-3226	305	4	�	�	PROPN
fsr-3226	305	5	1	1	NUM
fsr-3226	305	6	if	if	SCONJ
fsr-3226	305	7	respondent	respondent	NOUN
fsr-3226	305	8	reported	report	VERB
fsr-3226	305	9	being	be	AUX
fsr-3226	305	10	covered	cover	VERB
fsr-3226	305	11	by	by	ADP
fsr-3226	305	12	health	health	NOUN
fsr-3226	305	13	insurance	insurance	NOUN
fsr-3226	305	14	/	/	SYM
fsr-3226	305	15	health	health	NOUN
fsr-3226	305	16	plan	plan	NOUN
fsr-3226	305	17	.	.	PUNCT
fsr-3226	306	1	2012	2012	NUM
fsr-3226	306	2	chronic	chronic	ADJ
fsr-3226	306	3	health	health	NOUN
fsr-3226	306	4	issue	issue	NOUN
fsr-3226	306	5	in	in	ADP
fsr-3226	306	6	household	household	NOUN
fsr-3226	306	7	�	�	PROPN
fsr-3226	306	8	1	1	NUM
fsr-3226	306	9	if	if	SCONJ
fsr-3226	306	10	respondent	respondent	NOUN
fsr-3226	306	11	reported	report	VERB
fsr-3226	306	12	that	that	SCONJ
fsr-3226	306	13	at	at	ADV
fsr-3226	306	14	least	least	ADV
fsr-3226	306	15	one	one	NUM
fsr-3226	306	16	member	member	NOUN
fsr-3226	306	17	of	of	ADP
fsr-3226	306	18	the	the	DET
fsr-3226	306	19	household	household	NOUN
fsr-3226	306	20	was	be	AUX
fsr-3226	306	21	disabled	disabled	ADJ
fsr-3226	306	22	or	or	CCONJ
fsr-3226	306	23	chronically	chronically	ADV
fsr-3226	306	24	ill	ill	ADJ
fsr-3226	306	25	.	.	PUNCT
fsr-3226	307	1	2012	2012	NUM
fsr-3226	307	2	346	346	NUM
fsr-3226	307	3	m.c	m.c	PROPN
fsr-3226	307	4	.	.	PROPN
fsr-3226	307	5	seay	seay	PROPN
fsr-3226	307	6	et	et	PROPN
fsr-3226	307	7	al	al	PROPN
fsr-3226	307	8	.	.	PUNCT
fsr-3226	307	9	/	/	SYM
fsr-3226	307	10	financial	financial	ADJ
fsr-3226	307	11	services	service	NOUN
fsr-3226	307	12	review	review	VERB
fsr-3226	307	13	25	25	NUM
fsr-3226	307	14	(	(	PUNCT
fsr-3226	307	15	2016	2016	NUM
fsr-3226	307	16	)	)	PUNCT
fsr-3226	308	1	331–350	331–350	NUM
fsr-3226	308	2	appendix	appendix	NOUN
fsr-3226	308	3	(	(	PUNCT
fsr-3226	308	4	continued	continued	ADJ
fsr-3226	308	5	)	)	PUNCT
fsr-3226	308	6	variable	variable	NOUN
fsr-3226	308	7	coding	coding	NOUN
fsr-3226	308	8	and	and	CCONJ
fsr-3226	308	9	descriptive	descriptive	ADJ
fsr-3226	308	10	statistics	statistic	NOUN
fsr-3226	308	11	variable	variable	ADJ
fsr-3226	308	12	name	name	NOUN
fsr-3226	308	13	description	description	NOUN
fsr-3226	308	14	year	year	NOUN
fsr-3226	308	15	collected	collect	VERB
fsr-3226	308	16	family	family	NOUN
fsr-3226	308	17	income	income	NOUN
fsr-3226	308	18	(	(	PUNCT
fsr-3226	308	19	log	log	NOUN
fsr-3226	308	20	)	)	PUNCT
fsr-3226	308	21	log	log	NOUN
fsr-3226	308	22	of	of	ADP
fsr-3226	308	23	total	total	ADJ
fsr-3226	308	24	family	family	NOUN
fsr-3226	308	25	income	income	NOUN
fsr-3226	308	26	.	.	PUNCT
fsr-3226	309	1	2012	2012	NUM
fsr-3226	309	2	family	family	NOUN
fsr-3226	309	3	net	net	ADJ
fsr-3226	309	4	worth	worth	NOUN
fsr-3226	309	5	(	(	PUNCT
fsr-3226	309	6	log	log	NOUN
fsr-3226	309	7	)	)	PUNCT
fsr-3226	309	8	log	log	NOUN
fsr-3226	309	9	of	of	ADP
fsr-3226	309	10	total	total	ADJ
fsr-3226	309	11	family	family	NOUN
fsr-3226	309	12	net	net	ADJ
fsr-3226	309	13	worth	worth	NOUN
fsr-3226	309	14	.	.	PUNCT
fsr-3226	310	1	2012	2012	NUM
fsr-3226	310	2	retirement	retirement	NOUN
fsr-3226	310	3	assets	asset	NOUN
fsr-3226	310	4	(	(	PUNCT
fsr-3226	310	5	log	log	NOUN
fsr-3226	310	6	)	)	PUNCT
fsr-3226	310	7	log	log	NOUN
fsr-3226	310	8	of	of	ADP
fsr-3226	310	9	total	total	ADJ
fsr-3226	310	10	family	family	NOUN
fsr-3226	310	11	retirement	retirement	NOUN
fsr-3226	310	12	assets	asset	NOUN
fsr-3226	310	13	.	.	PUNCT
fsr-3226	311	1	2012	2012	NUM
fsr-3226	311	2	defined	define	VERB
fsr-3226	311	3	benefit	benefit	NOUN
fsr-3226	311	4	pension	pension	NOUN
fsr-3226	311	5	plan	plan	NOUN
fsr-3226	311	6	participation	participation	NOUN
fsr-3226	311	7	�	�	PROPN
fsr-3226	311	8	1	1	NUM
fsr-3226	311	9	if	if	SCONJ
fsr-3226	311	10	respondent	respondent	NOUN
fsr-3226	311	11	reported	report	VERB
fsr-3226	311	12	that	that	SCONJ
fsr-3226	311	13	benefits	benefit	NOUN
fsr-3226	311	14	from	from	ADP
fsr-3226	311	15	any	any	DET
fsr-3226	311	16	pension	pension	NOUN
fsr-3226	311	17	/	/	SYM
fsr-3226	311	18	retirement	retirement	NOUN
fsr-3226	311	19	plans	plan	NOUN
fsr-3226	311	20	were	be	AUX
fsr-3226	311	21	based	base	VERB
fsr-3226	311	22	on	on	ADP
fsr-3226	311	23	a	a	DET
fsr-3226	311	24	formula	formula	NOUN
fsr-3226	311	25	.	.	PUNCT
fsr-3226	312	1	2012	2012	NUM
fsr-3226	312	2	stock	stock	NOUN
fsr-3226	312	3	ownership	ownership	NOUN
fsr-3226	312	4	�	�	PROPN
fsr-3226	312	5	1	1	NUM
fsr-3226	312	6	if	if	SCONJ
fsr-3226	312	7	respondent	respondent	NOUN
fsr-3226	312	8	reported	report	VERB
fsr-3226	312	9	self	self	NOUN
fsr-3226	312	10	or	or	CCONJ
fsr-3226	312	11	spouse/	spouse/	NUM
fsr-3226	312	12	partner	partner	NOUN
fsr-3226	312	13	owning	own	VERB
fsr-3226	312	14	any	any	DET
fsr-3226	312	15	shares	share	NOUN
fsr-3226	312	16	of	of	ADP
fsr-3226	312	17	stock	stock	NOUN
fsr-3226	312	18	.	.	PUNCT
fsr-3226	313	1	2012	2012	NUM
fsr-3226	313	2	home	home	NOUN
fsr-3226	313	3	ownership	ownership	NOUN
fsr-3226	313	4	�	�	PROPN
fsr-3226	313	5	1	1	NUM
fsr-3226	313	6	if	if	SCONJ
fsr-3226	313	7	respondent	respondent	NOUN
fsr-3226	313	8	reported	report	VERB
fsr-3226	313	9	that	that	SCONJ
fsr-3226	313	10	residence	residence	NOUN
fsr-3226	313	11	was	be	AUX
fsr-3226	313	12	owned	own	VERB
fsr-3226	313	13	or	or	CCONJ
fsr-3226	313	14	being	be	AUX
fsr-3226	313	15	bought	buy	VERB
fsr-3226	313	16	by	by	ADP
fsr-3226	313	17	self	self	NOUN
fsr-3226	313	18	or	or	CCONJ
fsr-3226	313	19	spouse	spouse	NOUN
fsr-3226	313	20	/	/	SYM
fsr-3226	313	21	partner	partner	NOUN
fsr-3226	313	22	.	.	PUNCT
fsr-3226	314	1	2012	2012	NUM
fsr-3226	314	2	risk	risk	NOUN
fsr-3226	314	3	tolerance	tolerance	NOUN
fsr-3226	314	4	measured	measure	VERB
fsr-3226	314	5	as	as	ADP
fsr-3226	314	6	a	a	DET
fsr-3226	314	7	continuous	continuous	ADJ
fsr-3226	314	8	variable	variable	NOUN
fsr-3226	314	9	,	,	PUNCT
fsr-3226	314	10	“	"	PUNCT
fsr-3226	314	11	rate	rate	VERB
fsr-3226	314	12	yourself	yourself	PRON
fsr-3226	314	13	from	from	ADP
fsr-3226	314	14	0	0	NUM
fsr-3226	314	15	to	to	ADP
fsr-3226	314	16	10	10	NUM
fsr-3226	314	17	,	,	PUNCT
fsr-3226	314	18	where	where	SCONJ
fsr-3226	314	19	0	0	NUM
fsr-3226	314	20	means	mean	VERB
fsr-3226	314	21	‘	'	PUNCT
fsr-3226	314	22	unwilling	unwilling	ADJ
fsr-3226	314	23	to	to	PART
fsr-3226	314	24	take	take	VERB
fsr-3226	314	25	any	any	DET
fsr-3226	314	26	risks	risk	NOUN
fsr-3226	314	27	’	'	PUNCT
fsr-3226	314	28	and	and	CCONJ
fsr-3226	314	29	10	10	NUM
fsr-3226	314	30	means	mean	VERB
fsr-3226	314	31	‘	'	PUNCT
fsr-3226	314	32	fully	fully	ADV
fsr-3226	314	33	prepared	prepared	ADJ
fsr-3226	314	34	to	to	PART
fsr-3226	314	35	take	take	VERB
fsr-3226	314	36	risks	risk	NOUN
fsr-3226	314	37	.	.	PUNCT
fsr-3226	314	38	’	'	PUNCT
fsr-3226	314	39	”	"	PUNCT
fsr-3226	314	40	2012	2012	NUM
fsr-3226	314	41	trust	trust	NOUN
fsr-3226	314	42	measured	measure	VERB
fsr-3226	314	43	as	as	ADP
fsr-3226	314	44	a	a	DET
fsr-3226	314	45	continuous	continuous	ADJ
fsr-3226	314	46	variable	variable	NOUN
fsr-3226	314	47	on	on	ADP
fsr-3226	314	48	a	a	DET
fsr-3226	314	49	scale	scale	NOUN
fsr-3226	314	50	of	of	ADP
fsr-3226	314	51	1	1	NUM
fsr-3226	314	52	to	to	PART
fsr-3226	314	53	5	5	NUM
fsr-3226	314	54	,	,	PUNCT
fsr-3226	314	55	“	"	PUNCT
fsr-3226	314	56	generally	generally	ADV
fsr-3226	314	57	speaking	speak	VERB
fsr-3226	314	58	,	,	PUNCT
fsr-3226	314	59	how	how	SCONJ
fsr-3226	314	60	often	often	ADV
fsr-3226	314	61	can	can	AUX
fsr-3226	314	62	you	you	PRON
fsr-3226	314	63	trust	trust	VERB
fsr-3226	314	64	other	other	ADJ
fsr-3226	314	65	people	people	NOUN
fsr-3226	314	66	.	.	PUNCT
fsr-3226	314	67	”	"	PUNCT
fsr-3226	315	1	2008	2008	NUM
fsr-3226	315	2	key	key	ADJ
fsr-3226	315	3	predictors	predictor	NOUN
fsr-3226	315	4	financial	financial	ADJ
fsr-3226	315	5	knowledge	knowledge	NOUN
fsr-3226	315	6	diversification	diversification	NOUN
fsr-3226	315	7	�	�	PROPN
fsr-3226	315	8	1	1	NUM
fsr-3226	315	9	if	if	SCONJ
fsr-3226	315	10	respondent	respondent	ADJ
fsr-3226	315	11	correctly	correctly	ADV
fsr-3226	315	12	answered	answer	VERB
fsr-3226	315	13	the	the	DET
fsr-3226	315	14	question	question	NOUN
fsr-3226	315	15	,	,	PUNCT
fsr-3226	315	16	“	"	PUNCT
fsr-3226	315	17	buying	buy	VERB
fsr-3226	315	18	a	a	DET
fsr-3226	315	19	single	single	ADJ
fsr-3226	315	20	company	company	NOUN
fsr-3226	315	21	stock	stock	NOUN
fsr-3226	315	22	usually	usually	ADV
fsr-3226	315	23	provides	provide	VERB
fsr-3226	315	24	a	a	DET
fsr-3226	315	25	safer	safe	ADJ
fsr-3226	315	26	return	return	NOUN
fsr-3226	315	27	than	than	ADP
fsr-3226	315	28	a	a	DET
fsr-3226	315	29	stock	stock	NOUN
fsr-3226	315	30	mutual	mutual	ADJ
fsr-3226	315	31	fund	fund	NOUN
fsr-3226	315	32	.	.	PUNCT
fsr-3226	315	33	”	"	PUNCT
fsr-3226	316	1	2012	2012	NUM
fsr-3226	316	2	compound	compound	NOUN
fsr-3226	316	3	interest	interest	NOUN
fsr-3226	316	4	�	�	PROPN
fsr-3226	316	5	1	1	NUM
fsr-3226	316	6	if	if	SCONJ
fsr-3226	316	7	respondent	respondent	ADJ
fsr-3226	316	8	correctly	correctly	ADV
fsr-3226	316	9	answered	answer	VERB
fsr-3226	316	10	the	the	DET
fsr-3226	316	11	question	question	NOUN
fsr-3226	316	12	,	,	PUNCT
fsr-3226	316	13	“	"	PUNCT
fsr-3226	316	14	suppose	suppose	VERB
fsr-3226	316	15	you	you	PRON
fsr-3226	316	16	had	have	VERB
fsr-3226	316	17	$	$	SYM
fsr-3226	316	18	100	100	NUM
fsr-3226	316	19	in	in	ADP
fsr-3226	316	20	a	a	DET
fsr-3226	316	21	savings	saving	NOUN
fsr-3226	316	22	account	account	NOUN
fsr-3226	316	23	and	and	CCONJ
fsr-3226	316	24	the	the	DET
fsr-3226	316	25	interest	interest	NOUN
fsr-3226	316	26	rate	rate	NOUN
fsr-3226	316	27	was	be	AUX
fsr-3226	316	28	2	2	NUM
fsr-3226	316	29	%	%	NOUN
fsr-3226	316	30	per	per	ADP
fsr-3226	316	31	year	year	NOUN
fsr-3226	316	32	.	.	PUNCT
fsr-3226	317	1	after	after	ADP
fsr-3226	317	2	5	5	NUM
fsr-3226	317	3	years	year	NOUN
fsr-3226	317	4	,	,	PUNCT
fsr-3226	317	5	how	how	SCONJ
fsr-3226	317	6	much	much	ADJ
fsr-3226	317	7	do	do	AUX
fsr-3226	317	8	you	you	PRON
fsr-3226	317	9	think	think	VERB
fsr-3226	317	10	you	you	PRON
fsr-3226	317	11	would	would	AUX
fsr-3226	317	12	have	have	VERB
fsr-3226	317	13	in	in	ADP
fsr-3226	317	14	the	the	DET
fsr-3226	317	15	account	account	NOUN
fsr-3226	317	16	if	if	SCONJ
fsr-3226	317	17	you	you	PRON
fsr-3226	317	18	left	leave	VERB
fsr-3226	317	19	the	the	DET
fsr-3226	317	20	money	money	NOUN
fsr-3226	317	21	to	to	PART
fsr-3226	317	22	grow	grow	VERB
fsr-3226	317	23	:	:	PUNCT
fsr-3226	317	24	more	more	ADJ
fsr-3226	317	25	than	than	ADP
fsr-3226	317	26	$	$	SYM
fsr-3226	317	27	102	102	NUM
fsr-3226	317	28	,	,	PUNCT
fsr-3226	317	29	exactly	exactly	ADV
fsr-3226	317	30	$	$	SYM
fsr-3226	317	31	102	102	NUM
fsr-3226	317	32	,	,	PUNCT
fsr-3226	317	33	or	or	CCONJ
fsr-3226	317	34	less	less	ADJ
fsr-3226	317	35	than	than	ADP
fsr-3226	317	36	$	$	SYM
fsr-3226	317	37	102	102	NUM
fsr-3226	317	38	?	?	PUNCT
fsr-3226	317	39	”	"	PUNCT
fsr-3226	317	40	2012	2012	NUM
fsr-3226	317	41	inflation	inflation	NOUN
fsr-3226	317	42	�	�	NOUN
fsr-3226	317	43	1	1	NUM
fsr-3226	317	44	if	if	SCONJ
fsr-3226	317	45	respondent	respondent	ADJ
fsr-3226	317	46	correctly	correctly	ADV
fsr-3226	317	47	answered	answer	VERB
fsr-3226	317	48	the	the	DET
fsr-3226	317	49	question	question	NOUN
fsr-3226	317	50	,	,	PUNCT
fsr-3226	317	51	“	"	PUNCT
fsr-3226	317	52	imagine	imagine	VERB
fsr-3226	317	53	that	that	SCONJ
fsr-3226	317	54	the	the	DET
fsr-3226	317	55	interest	interest	NOUN
fsr-3226	317	56	rate	rate	NOUN
fsr-3226	317	57	on	on	ADP
fsr-3226	317	58	your	your	PRON
fsr-3226	317	59	savings	saving	NOUN
fsr-3226	317	60	account	account	NOUN
fsr-3226	317	61	was	be	AUX
fsr-3226	317	62	1	1	NUM
fsr-3226	317	63	%	%	NOUN
fsr-3226	317	64	per	per	ADP
fsr-3226	317	65	year	year	NOUN
fsr-3226	317	66	and	and	CCONJ
fsr-3226	317	67	inflation	inflation	NOUN
fsr-3226	317	68	was	be	AUX
fsr-3226	317	69	2	2	NUM
fsr-3226	317	70	%	%	NOUN
fsr-3226	317	71	per	per	ADP
fsr-3226	317	72	year	year	NOUN
fsr-3226	317	73	.	.	PUNCT
fsr-3226	318	1	after	after	ADP
fsr-3226	318	2	1	1	NUM
fsr-3226	318	3	year	year	NOUN
fsr-3226	318	4	,	,	PUNCT
fsr-3226	318	5	would	would	AUX
fsr-3226	318	6	you	you	PRON
fsr-3226	318	7	be	be	AUX
fsr-3226	318	8	able	able	ADJ
fsr-3226	318	9	to	to	PART
fsr-3226	318	10	buy	buy	VERB
fsr-3226	318	11	more	more	ADJ
fsr-3226	318	12	than	than	ADP
fsr-3226	318	13	,	,	PUNCT
fsr-3226	318	14	exactly	exactly	ADV
fsr-3226	318	15	the	the	DET
fsr-3226	318	16	same	same	ADJ
fsr-3226	318	17	as	as	ADP
fsr-3226	318	18	,	,	PUNCT
fsr-3226	318	19	or	or	CCONJ
fsr-3226	318	20	less	less	ADJ
fsr-3226	318	21	than	than	ADP
fsr-3226	318	22	today	today	NOUN
fsr-3226	318	23	with	with	ADP
fsr-3226	318	24	the	the	DET
fsr-3226	318	25	money	money	NOUN
fsr-3226	318	26	in	in	ADP
fsr-3226	318	27	this	this	DET
fsr-3226	318	28	account	account	NOUN
fsr-3226	318	29	?	?	PUNCT
fsr-3226	318	30	”	"	PUNCT
fsr-3226	318	31	2012	2012	NUM
fsr-3226	318	32	bonds	bond	NOUN
fsr-3226	318	33	�	�	PROPN
fsr-3226	318	34	1	1	NUM
fsr-3226	318	35	if	if	SCONJ
fsr-3226	318	36	respondent	respondent	ADJ
fsr-3226	318	37	correctly	correctly	ADV
fsr-3226	318	38	answered	answer	VERB
fsr-3226	318	39	the	the	DET
fsr-3226	318	40	question	question	NOUN
fsr-3226	318	41	,	,	PUNCT
fsr-3226	318	42	“	"	PUNCT
fsr-3226	318	43	if	if	SCONJ
fsr-3226	318	44	interest	interest	NOUN
fsr-3226	318	45	rates	rate	NOUN
fsr-3226	318	46	rise	rise	VERB
fsr-3226	318	47	,	,	PUNCT
fsr-3226	318	48	what	what	PRON
fsr-3226	318	49	will	will	AUX
fsr-3226	318	50	typically	typically	ADV
fsr-3226	318	51	happen	happen	VERB
fsr-3226	318	52	to	to	PART
fsr-3226	318	53	bond	bond	NOUN
fsr-3226	318	54	prices	price	NOUN
fsr-3226	318	55	?	?	PUNCT
fsr-3226	319	1	they	they	PRON
fsr-3226	319	2	will	will	AUX
fsr-3226	319	3	rise	rise	VERB
fsr-3226	319	4	,	,	PUNCT
fsr-3226	319	5	they	they	PRON
fsr-3226	319	6	will	will	AUX
fsr-3226	319	7	fall	fall	VERB
fsr-3226	319	8	,	,	PUNCT
fsr-3226	319	9	they	they	PRON
fsr-3226	319	10	will	will	AUX
fsr-3226	319	11	stay	stay	VERB
fsr-3226	319	12	the	the	DET
fsr-3226	319	13	same	same	ADJ
fsr-3226	319	14	,	,	PUNCT
fsr-3226	319	15	there	there	PRON
fsr-3226	319	16	is	be	VERB
fsr-3226	319	17	no	no	DET
fsr-3226	319	18	relationship	relationship	NOUN
fsr-3226	319	19	between	between	ADP
fsr-3226	319	20	bond	bond	NOUN
fsr-3226	319	21	prices	price	NOUN
fsr-3226	319	22	and	and	CCONJ
fsr-3226	319	23	the	the	DET
fsr-3226	319	24	interest	interest	NOUN
fsr-3226	319	25	rate	rate	NOUN
fsr-3226	319	26	”	"	PUNCT
fsr-3226	319	27	;	;	PUNCT
fsr-3226	319	28	�	�	PROPN
fsr-3226	319	29	0	0	PUNCT
fsr-3226	319	30	if	if	SCONJ
fsr-3226	319	31	answered	answer	VERB
fsr-3226	319	32	incorrectly	incorrectly	ADV
fsr-3226	319	33	,	,	PUNCT
fsr-3226	319	34	answered	answer	VERB
fsr-3226	319	35	“	"	PUNCT
fsr-3226	319	36	do	do	AUX
fsr-3226	319	37	n’t	not	PART
fsr-3226	319	38	know	know	VERB
fsr-3226	319	39	,	,	PUNCT
fsr-3226	319	40	”	"	PUNCT
fsr-3226	319	41	or	or	CCONJ
fsr-3226	319	42	refused	refuse	VERB
fsr-3226	319	43	to	to	PART
fsr-3226	319	44	answer	answer	VERB
fsr-3226	319	45	.	.	PUNCT
fsr-3226	320	1	2012	2012	NUM
fsr-3226	320	2	347m.c	347m.c	NOUN
fsr-3226	320	3	.	.	PUNCT
fsr-3226	321	1	seay	seay	PROPN
fsr-3226	321	2	et	et	PROPN
fsr-3226	321	3	al	al	PROPN
fsr-3226	321	4	.	.	PUNCT
fsr-3226	321	5	/	/	SYM
fsr-3226	321	6	financial	financial	ADJ
fsr-3226	321	7	services	service	NOUN
fsr-3226	321	8	review	review	VERB
fsr-3226	321	9	25	25	NUM
fsr-3226	321	10	(	(	PUNCT
fsr-3226	321	11	2016	2016	NUM
fsr-3226	321	12	)	)	PUNCT
fsr-3226	322	1	331–350	331–350	NUM
fsr-3226	322	2	references	reference	NOUN
fsr-3226	322	3	allgood	allgood	NOUN
fsr-3226	322	4	,	,	PUNCT
fsr-3226	322	5	s.	s.	PROPN
fsr-3226	322	6	,	,	PUNCT
fsr-3226	322	7	&	&	CCONJ
fsr-3226	322	8	walstad	walstad	PROPN
fsr-3226	322	9	,	,	PUNCT
fsr-3226	322	10	w.	w.	PROPN
fsr-3226	322	11	(	(	PUNCT
fsr-3226	322	12	2013	2013	NUM
fsr-3226	322	13	)	)	PUNCT
fsr-3226	322	14	.	.	PUNCT
fsr-3226	323	1	financial	financial	ADJ
fsr-3226	323	2	literacy	literacy	NOUN
fsr-3226	323	3	and	and	CCONJ
fsr-3226	323	4	credit	credit	NOUN
fsr-3226	323	5	card	card	NOUN
fsr-3226	323	6	behaviors	behavior	NOUN
fsr-3226	323	7	:	:	PUNCT
fsr-3226	323	8	a	a	DET
fsr-3226	323	9	cross	cross	ADJ
fsr-3226	323	10	-	-	ADJ
fsr-3226	323	11	sectional	sectional	ADJ
fsr-3226	323	12	analysis	analysis	NOUN
fsr-3226	323	13	by	by	ADP
fsr-3226	323	14	age	age	NOUN
fsr-3226	323	15	.	.	PUNCT
fsr-3226	324	1	numeracy	numeracy	NOUN
fsr-3226	324	2	,	,	PUNCT
fsr-3226	324	3	6	6	NUM
fsr-3226	324	4	,	,	PUNCT
fsr-3226	324	5	1–26	1–26	NOUN
fsr-3226	324	6	.	.	PUNCT
fsr-3226	325	1	benjamin	benjamin	PROPN
fsr-3226	325	2	,	,	PUNCT
fsr-3226	325	3	d.	d.	PROPN
fsr-3226	325	4	j.	j.	PROPN
fsr-3226	325	5	,	,	PUNCT
fsr-3226	325	6	sebastian	sebastian	PROPN
fsr-3226	325	7	,	,	PUNCT
fsr-3226	325	8	a.	a.	PROPN
fsr-3226	325	9	b.	b.	PROPN
fsr-3226	325	10	,	,	PUNCT
fsr-3226	325	11	&	&	CCONJ
fsr-3226	325	12	shapiro	shapiro	PROPN
fsr-3226	325	13	,	,	PUNCT
fsr-3226	325	14	j.	j.	PROPN
fsr-3226	325	15	m.	m.	PROPN
fsr-3226	325	16	(	(	PUNCT
fsr-3226	325	17	2013	2013	NUM
fsr-3226	325	18	)	)	PUNCT
fsr-3226	325	19	.	.	PUNCT
fsr-3226	326	1	who	who	PRON
fsr-3226	326	2	is	be	AUX
fsr-3226	326	3	‘	'	PUNCT
fsr-3226	326	4	behavioral	behavioral	ADJ
fsr-3226	326	5	’	'	PUNCT
fsr-3226	326	6	?	?	PUNCT
fsr-3226	327	1	cognitive	cognitive	ADJ
fsr-3226	327	2	ability	ability	NOUN
fsr-3226	327	3	and	and	CCONJ
fsr-3226	327	4	anomalous	anomalous	ADJ
fsr-3226	327	5	preferences	preference	NOUN
fsr-3226	327	6	.	.	PUNCT
fsr-3226	328	1	journal	journal	NOUN
fsr-3226	328	2	of	of	ADP
fsr-3226	328	3	the	the	DET
fsr-3226	328	4	european	european	PROPN
fsr-3226	328	5	economic	economic	PROPN
fsr-3226	328	6	association	association	PROPN
fsr-3226	328	7	,	,	PUNCT
fsr-3226	328	8	11	11	NUM
fsr-3226	328	9	,	,	PUNCT
fsr-3226	328	10	1231–1255	1231–1255	NUM
fsr-3226	328	11	.	.	PUNCT
fsr-3226	329	1	blanchett	blanchett	PROPN
fsr-3226	329	2	,	,	PUNCT
fsr-3226	329	3	d.	d.	PROPN
fsr-3226	329	4	,	,	PUNCT
fsr-3226	329	5	&	&	CCONJ
fsr-3226	329	6	kaplan	kaplan	PROPN
fsr-3226	329	7	,	,	PUNCT
fsr-3226	329	8	p.	p.	PROPN
fsr-3226	329	9	(	(	PUNCT
fsr-3226	329	10	2013	2013	NUM
fsr-3226	329	11	)	)	PUNCT
fsr-3226	329	12	.	.	PUNCT
fsr-3226	330	1	alpha	alpha	NOUN
fsr-3226	330	2	,	,	PUNCT
fsr-3226	330	3	beta	beta	NOUN
fsr-3226	330	4	,	,	PUNCT
fsr-3226	330	5	and	and	CCONJ
fsr-3226	330	6	now	now	ADV
fsr-3226	330	7	.	.	PUNCT
fsr-3226	330	8	.	.	PUNCT
fsr-3226	330	9	.	.	PUNCT
fsr-3226	331	1	gamma	gamma	PROPN
fsr-3226	331	2	.	.	PUNCT
fsr-3226	332	1	the	the	DET
fsr-3226	332	2	journal	journal	PROPN
fsr-3226	332	3	of	of	ADP
fsr-3226	332	4	retirement	retirement	NOUN
fsr-3226	332	5	,	,	PUNCT
fsr-3226	332	6	1	1	NUM
fsr-3226	332	7	,	,	PUNCT
fsr-3226	332	8	29–45	29–45	NUM
fsr-3226	332	9	.	.	PUNCT
fsr-3226	333	1	browning	browning	NOUN
fsr-3226	333	2	,	,	PUNCT
fsr-3226	333	3	c.	c.	PROPN
fsr-3226	333	4	,	,	PUNCT
fsr-3226	333	5	&	&	CCONJ
fsr-3226	333	6	finke	finke	PROPN
fsr-3226	333	7	,	,	PUNCT
fsr-3226	333	8	m.	m.	NOUN
fsr-3226	333	9	s.	s.	PROPN
fsr-3226	333	10	(	(	PUNCT
fsr-3226	333	11	2015	2015	NUM
fsr-3226	333	12	)	)	PUNCT
fsr-3226	333	13	.	.	PUNCT
fsr-3226	334	1	cognitive	cognitive	ADJ
fsr-3226	334	2	ability	ability	NOUN
fsr-3226	334	3	and	and	CCONJ
fsr-3226	334	4	the	the	DET
fsr-3226	334	5	stock	stock	NOUN
fsr-3226	334	6	reallocations	reallocation	NOUN
fsr-3226	334	7	of	of	ADP
fsr-3226	334	8	retirees	retiree	NOUN
fsr-3226	334	9	during	during	ADP
fsr-3226	334	10	the	the	DET
fsr-3226	334	11	great	great	ADJ
fsr-3226	334	12	recession	recession	NOUN
fsr-3226	334	13	.	.	PUNCT
fsr-3226	335	1	journal	journal	NOUN
fsr-3226	335	2	of	of	ADP
fsr-3226	335	3	consumer	consumer	NOUN
fsr-3226	335	4	affairs	affair	NOUN
fsr-3226	335	5	,	,	PUNCT
fsr-3226	335	6	49	49	NUM
fsr-3226	335	7	,	,	PUNCT
fsr-3226	335	8	356–375	356–375	NUM
fsr-3226	335	9	.	.	PUNCT
fsr-3226	336	1	doi:10.1111	doi:10.1111	PROPN
fsr-3226	336	2	/	/	SYM
fsr-3226	336	3	joca.12065	joca.12065	PROPN
fsr-3226	336	4	.	.	PUNCT
fsr-3226	336	5	calcagno	calcagno	PROPN
fsr-3226	336	6	,	,	PUNCT
fsr-3226	336	7	r.	r.	PROPN
fsr-3226	336	8	,	,	PUNCT
fsr-3226	336	9	&	&	CCONJ
fsr-3226	336	10	monticone	monticone	PROPN
fsr-3226	336	11	,	,	PUNCT
fsr-3226	336	12	c.	c.	PROPN
fsr-3226	336	13	(	(	PUNCT
fsr-3226	336	14	2015	2015	NUM
fsr-3226	336	15	)	)	PUNCT
fsr-3226	336	16	.	.	PUNCT
fsr-3226	337	1	financial	financial	ADJ
fsr-3226	337	2	literacy	literacy	NOUN
fsr-3226	337	3	and	and	CCONJ
fsr-3226	337	4	the	the	DET
fsr-3226	337	5	demand	demand	NOUN
fsr-3226	337	6	for	for	ADP
fsr-3226	337	7	financial	financial	ADJ
fsr-3226	337	8	advice	advice	NOUN
fsr-3226	337	9	.	.	PUNCT
fsr-3226	338	1	journal	journal	NOUN
fsr-3226	338	2	of	of	ADP
fsr-3226	338	3	banking	banking	NOUN
fsr-3226	338	4	&	&	CCONJ
fsr-3226	338	5	finance	finance	PROPN
fsr-3226	338	6	,	,	PUNCT
fsr-3226	338	7	50	50	NUM
fsr-3226	338	8	,	,	PUNCT
fsr-3226	338	9	363–380	363–380	NUM
fsr-3226	338	10	.	.	PUNCT
fsr-3226	338	11	doi:10.1016	doi:10.1016	PROPN
fsr-3226	338	12	/	/	SYM
fsr-3226	338	13	j.jbankfin.2014.03.013	j.jbankfin.2014.03.013	PROPN
fsr-3226	338	14	.	.	PUNCT
fsr-3226	339	1	calvert	calvert	PROPN
fsr-3226	339	2	,	,	PUNCT
fsr-3226	339	3	l.	l.	PROPN
fsr-3226	339	4	,	,	PUNCT
fsr-3226	339	5	campbell	campbell	PROPN
fsr-3226	339	6	,	,	PUNCT
fsr-3226	339	7	j.	j.	PROPN
fsr-3226	339	8	,	,	PUNCT
fsr-3226	339	9	&	&	CCONJ
fsr-3226	339	10	sodini	sodini	PROPN
fsr-3226	339	11	,	,	PUNCT
fsr-3226	339	12	p.	p.	NOUN
fsr-3226	339	13	(	(	PUNCT
fsr-3226	339	14	2007	2007	NUM
fsr-3226	339	15	)	)	PUNCT
fsr-3226	339	16	.	.	PUNCT
fsr-3226	340	1	down	down	ADV
fsr-3226	340	2	or	or	CCONJ
fsr-3226	340	3	out	out	ADV
fsr-3226	340	4	:	:	PUNCT
fsr-3226	340	5	assessing	assess	VERB
fsr-3226	340	6	the	the	DET
fsr-3226	340	7	welfare	welfare	NOUN
fsr-3226	340	8	costs	cost	NOUN
fsr-3226	340	9	of	of	ADP
fsr-3226	340	10	household	household	NOUN
fsr-3226	340	11	investment	investment	NOUN
fsr-3226	340	12	mistakes	mistake	NOUN
fsr-3226	340	13	.	.	PUNCT
fsr-3226	341	1	journal	journal	NOUN
fsr-3226	341	2	of	of	ADP
fsr-3226	341	3	political	political	ADJ
fsr-3226	341	4	economy	economy	NOUN
fsr-3226	341	5	,	,	PUNCT
fsr-3226	341	6	115	115	NUM
fsr-3226	341	7	,	,	PUNCT
fsr-3226	341	8	707–747	707–747	NUM
fsr-3226	341	9	.	.	PUNCT
fsr-3226	342	1	christelis	christelis	PROPN
fsr-3226	342	2	,	,	PUNCT
fsr-3226	342	3	d.	d.	PROPN
fsr-3226	342	4	,	,	PUNCT
fsr-3226	342	5	tullio	tullio	PROPN
fsr-3226	342	6	,	,	PUNCT
fsr-3226	342	7	j.	j.	PROPN
fsr-3226	342	8	,	,	PUNCT
fsr-3226	342	9	&	&	CCONJ
fsr-3226	342	10	padula	padula	NOUN
fsr-3226	342	11	,	,	PUNCT
fsr-3226	342	12	m.	m.	NOUN
fsr-3226	342	13	(	(	PUNCT
fsr-3226	342	14	2010	2010	NUM
fsr-3226	342	15	)	)	PUNCT
fsr-3226	342	16	.	.	PUNCT
fsr-3226	343	1	cognitive	cognitive	ADJ
fsr-3226	343	2	abilities	ability	NOUN
fsr-3226	343	3	and	and	CCONJ
fsr-3226	343	4	portfolio	portfolio	NOUN
fsr-3226	343	5	choice	choice	NOUN
fsr-3226	343	6	.	.	PUNCT
fsr-3226	344	1	european	european	ADJ
fsr-3226	344	2	economic	economic	PROPN
fsr-3226	344	3	review	review	PROPN
fsr-3226	344	4	,	,	PUNCT
fsr-3226	344	5	54	54	NUM
fsr-3226	344	6	,	,	PUNCT
fsr-3226	344	7	18–38	18–38	NUM
fsr-3226	344	8	.	.	PUNCT
fsr-3226	345	1	appendix	appendix	NOUN
fsr-3226	345	2	(	(	PUNCT
fsr-3226	345	3	continued	continued	ADJ
fsr-3226	345	4	)	)	PUNCT
fsr-3226	345	5	variable	variable	NOUN
fsr-3226	345	6	coding	coding	NOUN
fsr-3226	345	7	and	and	CCONJ
fsr-3226	345	8	descriptive	descriptive	ADJ
fsr-3226	345	9	statistics	statistic	NOUN
fsr-3226	345	10	variable	variable	ADJ
fsr-3226	345	11	name	name	NOUN
fsr-3226	345	12	description	description	NOUN
fsr-3226	345	13	year	year	NOUN
fsr-3226	345	14	collected	collect	VERB
fsr-3226	345	15	mortgage	mortgage	NOUN
fsr-3226	345	16	�	�	PROPN
fsr-3226	345	17	1	1	NUM
fsr-3226	345	18	if	if	SCONJ
fsr-3226	345	19	respondent	respondent	ADJ
fsr-3226	345	20	correctly	correctly	ADV
fsr-3226	345	21	answered	answer	VERB
fsr-3226	345	22	the	the	DET
fsr-3226	345	23	question	question	NOUN
fsr-3226	345	24	,	,	PUNCT
fsr-3226	345	25	“	"	PUNCT
fsr-3226	345	26	do	do	AUX
fsr-3226	345	27	you	you	PRON
fsr-3226	345	28	think	think	VERB
fsr-3226	345	29	that	that	SCONJ
fsr-3226	345	30	the	the	DET
fsr-3226	345	31	following	follow	VERB
fsr-3226	345	32	statement	statement	NOUN
fsr-3226	345	33	is	be	AUX
fsr-3226	345	34	true	true	ADJ
fsr-3226	345	35	or	or	CCONJ
fsr-3226	345	36	false	false	ADJ
fsr-3226	345	37	?	?	PUNCT
fsr-3226	346	1	a	a	DET
fsr-3226	346	2	15	15	NUM
fsr-3226	346	3	-	-	PUNCT
fsr-3226	346	4	year	year	NOUN
fsr-3226	346	5	mortgage	mortgage	NOUN
fsr-3226	346	6	typically	typically	ADV
fsr-3226	346	7	requires	require	VERB
fsr-3226	346	8	higher	high	ADJ
fsr-3226	346	9	monthly	monthly	ADJ
fsr-3226	346	10	payments	payment	NOUN
fsr-3226	346	11	than	than	ADP
fsr-3226	346	12	a	a	DET
fsr-3226	346	13	30	30	NUM
fsr-3226	346	14	-	-	PUNCT
fsr-3226	346	15	year	year	NOUN
fsr-3226	346	16	mortgage	mortgage	NOUN
fsr-3226	346	17	,	,	PUNCT
fsr-3226	346	18	but	but	CCONJ
fsr-3226	346	19	the	the	DET
fsr-3226	346	20	total	total	ADJ
fsr-3226	346	21	interest	interest	NOUN
fsr-3226	346	22	paid	pay	VERB
fsr-3226	346	23	over	over	ADP
fsr-3226	346	24	the	the	DET
fsr-3226	346	25	life	life	NOUN
fsr-3226	346	26	of	of	ADP
fsr-3226	346	27	the	the	DET
fsr-3226	346	28	loan	loan	NOUN
fsr-3226	346	29	will	will	AUX
fsr-3226	346	30	be	be	AUX
fsr-3226	346	31	less	less	ADJ
fsr-3226	346	32	.	.	PUNCT
fsr-3226	346	33	”	"	PUNCT
fsr-3226	347	1	2012	2012	NUM
fsr-3226	347	2	financial	financial	ADJ
fsr-3226	347	3	confidence	confidence	NOUN
fsr-3226	347	4	subjective	subjective	ADJ
fsr-3226	347	5	knowledge	knowledge	NOUN
fsr-3226	347	6	measured	measure	VERB
fsr-3226	347	7	as	as	ADP
fsr-3226	347	8	a	a	DET
fsr-3226	347	9	continuous	continuous	ADJ
fsr-3226	347	10	variable	variable	NOUN
fsr-3226	347	11	from	from	ADP
fsr-3226	347	12	the	the	DET
fsr-3226	347	13	question	question	NOUN
fsr-3226	347	14	“	"	PUNCT
fsr-3226	347	15	on	on	ADP
fsr-3226	347	16	a	a	DET
fsr-3226	347	17	scale	scale	NOUN
fsr-3226	347	18	from	from	ADP
fsr-3226	347	19	1	1	NUM
fsr-3226	347	20	to	to	ADP
fsr-3226	347	21	7	7	NUM
fsr-3226	347	22	,	,	PUNCT
fsr-3226	347	23	where	where	SCONJ
fsr-3226	347	24	1	1	NUM
fsr-3226	347	25	means	mean	VERB
fsr-3226	347	26	very	very	ADV
fsr-3226	347	27	low	low	ADJ
fsr-3226	347	28	and	and	CCONJ
fsr-3226	347	29	7	7	NUM
fsr-3226	347	30	means	mean	VERB
fsr-3226	347	31	very	very	ADV
fsr-3226	347	32	high	high	ADJ
fsr-3226	347	33	,	,	PUNCT
fsr-3226	347	34	how	how	SCONJ
fsr-3226	347	35	would	would	AUX
fsr-3226	347	36	you	you	PRON
fsr-3226	347	37	assess	assess	VERB
fsr-3226	347	38	your	your	PRON
fsr-3226	347	39	overall	overall	ADJ
fsr-3226	347	40	financial	financial	ADJ
fsr-3226	347	41	knowledge	knowledge	NOUN
fsr-3226	347	42	?	?	PUNCT
fsr-3226	347	43	”	"	PUNCT
fsr-3226	347	44	2012	2012	NUM
fsr-3226	347	45	day	day	NOUN
fsr-3226	347	46	-	-	PUNCT
fsr-3226	347	47	to	to	ADP
fsr-3226	347	48	-	-	PUNCT
fsr-3226	347	49	day	day	NOUN
fsr-3226	347	50	finances	finance	NOUN
fsr-3226	347	51	measured	measure	VERB
fsr-3226	347	52	as	as	ADP
fsr-3226	347	53	a	a	DET
fsr-3226	347	54	continuous	continuous	ADJ
fsr-3226	347	55	variable	variable	NOUN
fsr-3226	347	56	from	from	ADP
fsr-3226	347	57	the	the	DET
fsr-3226	347	58	question	question	NOUN
fsr-3226	347	59	“	"	PUNCT
fsr-3226	347	60	how	how	SCONJ
fsr-3226	347	61	strongly	strongly	ADV
fsr-3226	347	62	do	do	AUX
fsr-3226	347	63	you	you	PRON
fsr-3226	347	64	agree	agree	VERB
fsr-3226	347	65	or	or	CCONJ
fsr-3226	347	66	disagree	disagree	VERB
fsr-3226	347	67	with	with	ADP
fsr-3226	347	68	the	the	DET
fsr-3226	347	69	following	follow	VERB
fsr-3226	347	70	statements	statement	NOUN
fsr-3226	347	71	?	?	PUNCT
fsr-3226	348	1	please	please	INTJ
fsr-3226	348	2	give	give	VERB
fsr-3226	348	3	your	your	PRON
fsr-3226	348	4	answer	answer	NOUN
fsr-3226	348	5	on	on	ADP
fsr-3226	348	6	a	a	DET
fsr-3226	348	7	scale	scale	NOUN
fsr-3226	348	8	of	of	ADP
fsr-3226	348	9	1	1	NUM
fsr-3226	348	10	to	to	PART
fsr-3226	348	11	7	7	NUM
fsr-3226	348	12	,	,	PUNCT
fsr-3226	348	13	where	where	SCONJ
fsr-3226	348	14	1	1	NUM
fsr-3226	348	15	means	mean	VERB
fsr-3226	348	16	“	"	PUNCT
fsr-3226	348	17	strongly	strongly	ADV
fsr-3226	348	18	disagree	disagree	VERB
fsr-3226	348	19	”	"	PUNCT
fsr-3226	348	20	7	7	NUM
fsr-3226	348	21	means	mean	VERB
fsr-3226	348	22	“	"	PUNCT
fsr-3226	348	23	strongly	strongly	ADV
fsr-3226	348	24	agree	agree	VERB
fsr-3226	348	25	,	,	PUNCT
fsr-3226	348	26	”	"	PUNCT
fsr-3226	348	27	and	and	CCONJ
fsr-3226	348	28	4	4	NUM
fsr-3226	348	29	means	mean	VERB
fsr-3226	348	30	“	"	PUNCT
fsr-3226	348	31	neither	neither	CCONJ
fsr-3226	348	32	agree	agree	VERB
fsr-3226	348	33	nor	nor	CCONJ
fsr-3226	348	34	disagree	disagree	VERB
fsr-3226	348	35	.	.	PUNCT
fsr-3226	348	36	”	"	PUNCT
fsr-3226	349	1	“	"	PUNCT
fsr-3226	349	2	i	i	PRON
fsr-3226	349	3	am	be	AUX
fsr-3226	349	4	good	good	ADJ
fsr-3226	349	5	at	at	ADP
fsr-3226	349	6	dealing	deal	VERB
fsr-3226	349	7	with	with	ADP
fsr-3226	349	8	day	day	NOUN
fsr-3226	349	9	-	-	PUNCT
fsr-3226	349	10	to	to	ADP
fsr-3226	349	11	-	-	PUNCT
fsr-3226	349	12	day	day	NOUN
fsr-3226	349	13	financial	financial	ADJ
fsr-3226	349	14	matters	matter	NOUN
fsr-3226	349	15	,	,	PUNCT
fsr-3226	349	16	such	such	ADJ
fsr-3226	349	17	as	as	ADP
fsr-3226	349	18	checking	check	VERB
fsr-3226	349	19	accounts	account	NOUN
fsr-3226	349	20	,	,	PUNCT
fsr-3226	349	21	credit	credit	NOUN
fsr-3226	349	22	and	and	CCONJ
fsr-3226	349	23	debit	debit	NOUN
fsr-3226	349	24	cards	card	NOUN
fsr-3226	349	25	,	,	PUNCT
fsr-3226	349	26	and	and	CCONJ
fsr-3226	349	27	tracking	tracking	NOUN
fsr-3226	349	28	expenses	expense	NOUN
fsr-3226	349	29	.	.	PUNCT
fsr-3226	349	30	”	"	PUNCT
fsr-3226	350	1	2012	2012	NUM
fsr-3226	350	2	rotter	rotter	NOUN
fsr-3226	350	3	locus	locus	NOUN
fsr-3226	350	4	of	of	ADP
fsr-3226	350	5	control	control	NOUN
fsr-3226	350	6	measured	measure	VERB
fsr-3226	350	7	as	as	ADP
fsr-3226	350	8	a	a	DET
fsr-3226	350	9	continuous	continuous	ADJ
fsr-3226	350	10	variable	variable	NOUN
fsr-3226	350	11	with	with	ADP
fsr-3226	350	12	scores	score	NOUN
fsr-3226	350	13	ranging	range	VERB
fsr-3226	350	14	from	from	ADP
fsr-3226	350	15	4	4	NUM
fsr-3226	350	16	to	to	ADP
fsr-3226	350	17	16	16	NUM
fsr-3226	350	18	.	.	PUNCT
fsr-3226	351	1	1979	1979	NUM
fsr-3226	351	2	financial	financial	ADJ
fsr-3226	351	3	capability	capability	NOUN
fsr-3226	351	4	armed	arm	VERB
fsr-3226	351	5	services	service	NOUN
fsr-3226	351	6	vocational	vocational	ADJ
fsr-3226	351	7	aptitude	aptitude	NOUN
fsr-3226	351	8	battery	battery	NOUN
fsr-3226	351	9	percentile	percentile	PROPN
fsr-3226	351	10	score	score	NOUN
fsr-3226	351	11	created	create	VERB
fsr-3226	351	12	by	by	ADP
fsr-3226	351	13	the	the	DET
fsr-3226	351	14	nls	nls	NOUN
fsr-3226	351	15	,	,	PUNCT
fsr-3226	351	16	measured	measure	VERB
fsr-3226	351	17	as	as	ADP
fsr-3226	351	18	a	a	DET
fsr-3226	351	19	continuous	continuous	ADJ
fsr-3226	351	20	variable	variable	NOUN
fsr-3226	351	21	ranging	range	VERB
fsr-3226	351	22	from	from	ADP
fsr-3226	351	23	0	0	NUM
fsr-3226	351	24	%	%	NOUN
fsr-3226	351	25	to	to	PART
fsr-3226	351	26	100	100	NUM
fsr-3226	351	27	%	%	NOUN
fsr-3226	351	28	.	.	PUNCT
fsr-3226	352	1	assessed	assess	VERB
fsr-3226	352	2	in	in	ADP
fsr-3226	352	3	1980	1980	NUM
fsr-3226	352	4	and	and	CCONJ
fsr-3226	352	5	converted	convert	VERB
fsr-3226	352	6	to	to	ADP
fsr-3226	352	7	percentile	percentile	ADJ
fsr-3226	352	8	scores	score	NOUN
fsr-3226	352	9	in	in	ADP
fsr-3226	352	10	2006	2006	NUM
fsr-3226	352	11	to	to	PART
fsr-3226	352	12	reflect	reflect	VERB
fsr-3226	352	13	updated	update	VERB
fsr-3226	352	14	standards	standard	NOUN
fsr-3226	353	1	348	348	NUM
fsr-3226	353	2	m.c	m.c	PROPN
fsr-3226	353	3	.	.	PROPN
fsr-3226	353	4	seay	seay	PROPN
fsr-3226	353	5	et	et	PROPN
fsr-3226	353	6	al	al	PROPN
fsr-3226	353	7	.	.	PUNCT
fsr-3226	353	8	/	/	SYM
fsr-3226	353	9	financial	financial	ADJ
fsr-3226	353	10	services	service	NOUN
fsr-3226	353	11	review	review	VERB
fsr-3226	353	12	25	25	NUM
fsr-3226	353	13	(	(	PUNCT
fsr-3226	353	14	2016	2016	NUM
fsr-3226	353	15	)	)	PUNCT
fsr-3226	354	1	331–350	331–350	NUM
fsr-3226	354	2	collins	collin	NOUN
fsr-3226	354	3	,	,	PUNCT
fsr-3226	354	4	j.	j.	PROPN
fsr-3226	354	5	m.	m.	PROPN
fsr-3226	354	6	(	(	PUNCT
fsr-3226	354	7	2012	2012	NUM
fsr-3226	354	8	)	)	PUNCT
fsr-3226	354	9	.	.	PUNCT
fsr-3226	355	1	financial	financial	ADJ
fsr-3226	355	2	advice	advice	NOUN
fsr-3226	355	3	:	:	PUNCT
fsr-3226	355	4	a	a	DET
fsr-3226	355	5	substitute	substitute	NOUN
fsr-3226	355	6	for	for	ADP
fsr-3226	355	7	financial	financial	ADJ
fsr-3226	355	8	literacy	literacy	NOUN
fsr-3226	355	9	?	?	PUNCT
fsr-3226	356	1	financial	financial	ADJ
fsr-3226	356	2	services	service	NOUN
fsr-3226	356	3	review	review	PROPN
fsr-3226	356	4	,	,	PUNCT
fsr-3226	356	5	21	21	NUM
fsr-3226	356	6	,	,	PUNCT
fsr-3226	356	7	307–322	307–322	NUM
fsr-3226	356	8	.	.	PUNCT
fsr-3226	356	9	cummings	cummings	PROPN
fsr-3226	356	10	,	,	PUNCT
fsr-3226	356	11	b.	b.	PROPN
fsr-3226	356	12	f.	f.	PROPN
fsr-3226	356	13	,	,	PUNCT
fsr-3226	356	14	&	&	CCONJ
fsr-3226	356	15	james	james	PROPN
fsr-3226	356	16	,	,	PUNCT
fsr-3226	356	17	r.	r.	PROPN
fsr-3226	356	18	n.	n.	PROPN
fsr-3226	356	19	(	(	PUNCT
fsr-3226	356	20	2014	2014	NUM
fsr-3226	356	21	)	)	PUNCT
fsr-3226	356	22	.	.	PUNCT
fsr-3226	357	1	factors	factor	NOUN
fsr-3226	357	2	associated	associate	VERB
fsr-3226	357	3	with	with	ADP
fsr-3226	357	4	getting	get	VERB
fsr-3226	357	5	and	and	CCONJ
fsr-3226	357	6	dropping	drop	VERB
fsr-3226	357	7	financial	financial	ADJ
fsr-3226	357	8	advisors	advisor	NOUN
fsr-3226	357	9	among	among	ADP
fsr-3226	357	10	older	old	ADJ
fsr-3226	357	11	adults	adult	NOUN
fsr-3226	357	12	:	:	PUNCT
fsr-3226	357	13	evidence	evidence	NOUN
fsr-3226	357	14	from	from	ADP
fsr-3226	357	15	longitudinal	longitudinal	ADJ
fsr-3226	357	16	data	datum	NOUN
fsr-3226	357	17	.	.	PUNCT
fsr-3226	358	1	journal	journal	PROPN
fsr-3226	358	2	of	of	ADP
fsr-3226	358	3	financial	financial	ADJ
fsr-3226	358	4	counseling	counseling	NOUN
fsr-3226	358	5	and	and	CCONJ
fsr-3226	358	6	planning	planning	NOUN
fsr-3226	358	7	,	,	PUNCT
fsr-3226	358	8	25	25	NUM
fsr-3226	358	9	,	,	PUNCT
fsr-3226	358	10	129–147	129–147	NUM
fsr-3226	358	11	.	.	PUNCT
fsr-3226	359	1	deaton	deaton	PROPN
fsr-3226	359	2	,	,	PUNCT
fsr-3226	359	3	a.	a.	PROPN
fsr-3226	359	4	(	(	PUNCT
fsr-3226	359	5	1997	1997	NUM
fsr-3226	359	6	)	)	PUNCT
fsr-3226	359	7	.	.	PUNCT
fsr-3226	360	1	the	the	DET
fsr-3226	360	2	analysis	analysis	NOUN
fsr-3226	360	3	of	of	ADP
fsr-3226	360	4	household	household	NOUN
fsr-3226	360	5	surveys	survey	NOUN
fsr-3226	360	6	:	:	PUNCT
fsr-3226	360	7	a	a	DET
fsr-3226	360	8	microeconometric	microeconometric	ADJ
fsr-3226	360	9	approach	approach	NOUN
fsr-3226	360	10	to	to	ADP
fsr-3226	360	11	development	development	NOUN
fsr-3226	360	12	policy	policy	NOUN
fsr-3226	360	13	.	.	PUNCT
fsr-3226	361	1	baltimore	baltimore	PROPN
fsr-3226	361	2	,	,	PUNCT
fsr-3226	361	3	md	md	PROPN
fsr-3226	361	4	:	:	PUNCT
fsr-3226	361	5	johns	johns	PROPN
fsr-3226	361	6	hopkins	hopkins	PROPN
fsr-3226	361	7	university	university	PROPN
fsr-3226	361	8	press	press	NOUN
fsr-3226	361	9	.	.	PUNCT
fsr-3226	362	1	du	du	PROPN
fsr-3226	362	2	plessis	plessis	PROPN
fsr-3226	362	3	,	,	PUNCT
fsr-3226	362	4	k.	k.	PROPN
fsr-3226	362	5	,	,	PUNCT
fsr-3226	362	6	lawton	lawton	PROPN
fsr-3226	362	7	,	,	PUNCT
fsr-3226	362	8	j.	j.	PROPN
fsr-3226	362	9	,	,	PUNCT
fsr-3226	362	10	&	&	CCONJ
fsr-3226	362	11	corney	corney	PROPN
fsr-3226	362	12	,	,	PUNCT
fsr-3226	362	13	t.	t.	PROPN
fsr-3226	362	14	(	(	PUNCT
fsr-3226	362	15	2010	2010	NUM
fsr-3226	362	16	)	)	PUNCT
fsr-3226	362	17	.	.	PUNCT
fsr-3226	363	1	unemployed	unemployed	ADJ
fsr-3226	363	2	and	and	CCONJ
fsr-3226	363	3	struggling	struggle	VERB
fsr-3226	363	4	:	:	PUNCT
fsr-3226	363	5	the	the	DET
fsr-3226	363	6	lack	lack	NOUN
fsr-3226	363	7	of	of	ADP
fsr-3226	363	8	financial	financial	ADJ
fsr-3226	363	9	help	help	NOUN
fsr-3226	363	10	seeking	seek	VERB
fsr-3226	363	11	behavior	behavior	NOUN
fsr-3226	363	12	exhibited	exhibit	VERB
fsr-3226	363	13	by	by	ADP
fsr-3226	363	14	male	male	ADJ
fsr-3226	363	15	construction	construction	NOUN
fsr-3226	363	16	workers	worker	NOUN
fsr-3226	363	17	.	.	PUNCT
fsr-3226	364	1	the	the	DET
fsr-3226	364	2	australian	australian	ADJ
fsr-3226	364	3	journal	journal	NOUN
fsr-3226	364	4	of	of	ADP
fsr-3226	364	5	financial	financial	ADJ
fsr-3226	364	6	planning	planning	NOUN
fsr-3226	364	7	,	,	PUNCT
fsr-3226	364	8	6	6	NUM
fsr-3226	364	9	,	,	PUNCT
fsr-3226	364	10	1–8	1–8	NUM
fsr-3226	364	11	.	.	PUNCT
fsr-3226	365	1	finke	finke	PROPN
fsr-3226	365	2	,	,	PUNCT
fsr-3226	365	3	m.	m.	NOUN
fsr-3226	365	4	s.	s.	PROPN
fsr-3226	365	5	,	,	PUNCT
fsr-3226	365	6	huston	huston	PROPN
fsr-3226	365	7	,	,	PUNCT
fsr-3226	365	8	s.	s.	PROPN
fsr-3226	365	9	j.	j.	PROPN
fsr-3226	365	10	,	,	PUNCT
fsr-3226	365	11	&	&	CCONJ
fsr-3226	365	12	winchester	winchester	PROPN
fsr-3226	365	13	,	,	PUNCT
fsr-3226	365	14	d.	d.	PROPN
fsr-3226	365	15	(	(	PUNCT
fsr-3226	365	16	2011	2011	NUM
fsr-3226	365	17	)	)	PUNCT
fsr-3226	365	18	.	.	PUNCT
fsr-3226	366	1	financial	financial	ADJ
fsr-3226	366	2	advice	advice	NOUN
fsr-3226	366	3	:	:	PUNCT
fsr-3226	366	4	who	who	PRON
fsr-3226	366	5	pays	pay	VERB
fsr-3226	366	6	?	?	PUNCT
fsr-3226	367	1	journal	journal	NOUN
fsr-3226	367	2	of	of	ADP
fsr-3226	367	3	financial	financial	ADJ
fsr-3226	367	4	counseling	counseling	NOUN
fsr-3226	367	5	and	and	CCONJ
fsr-3226	367	6	planning	planning	NOUN
fsr-3226	367	7	,	,	PUNCT
fsr-3226	367	8	22	22	NUM
fsr-3226	367	9	,	,	PUNCT
fsr-3226	367	10	18–26	18–26	NUM
fsr-3226	367	11	.	.	PUNCT
fsr-3226	368	1	gennaioli	gennaioli	PROPN
fsr-3226	368	2	,	,	PUNCT
fsr-3226	368	3	n.	n.	NOUN
fsr-3226	368	4	,	,	PUNCT
fsr-3226	368	5	shleifer	shleifer	PROPN
fsr-3226	368	6	,	,	PUNCT
fsr-3226	368	7	a.	a.	PROPN
fsr-3226	368	8	,	,	PUNCT
fsr-3226	368	9	&	&	CCONJ
fsr-3226	368	10	vishny	vishny	PROPN
fsr-3226	368	11	,	,	PUNCT
fsr-3226	368	12	r.	r.	PROPN
fsr-3226	368	13	(	(	PUNCT
fsr-3226	368	14	2015	2015	NUM
fsr-3226	368	15	)	)	PUNCT
fsr-3226	368	16	.	.	PUNCT
fsr-3226	369	1	money	money	NOUN
fsr-3226	369	2	doctors	doctor	NOUN
fsr-3226	369	3	.	.	PUNCT
fsr-3226	370	1	the	the	DET
fsr-3226	370	2	journal	journal	PROPN
fsr-3226	370	3	of	of	ADP
fsr-3226	370	4	finance	finance	NOUN
fsr-3226	370	5	,	,	PUNCT
fsr-3226	370	6	70	70	NUM
fsr-3226	370	7	,	,	PUNCT
fsr-3226	370	8	91–114	91–114	NUM
fsr-3226	370	9	.	.	PUNCT
fsr-3226	371	1	doi:10.1111	doi:10.1111	PROPN
fsr-3226	371	2	/	/	SYM
fsr-3226	371	3	jofi.12188	jofi.12188	PROPN
fsr-3226	371	4	.	.	PUNCT
fsr-3226	371	5	grable	grable	PROPN
fsr-3226	371	6	,	,	PUNCT
fsr-3226	371	7	j.	j.	PROPN
fsr-3226	371	8	e.	e.	PROPN
fsr-3226	371	9	,	,	PUNCT
fsr-3226	371	10	&	&	CCONJ
fsr-3226	371	11	chatterjee	chatterjee	PROPN
fsr-3226	371	12	,	,	PUNCT
fsr-3226	371	13	s.	s.	PROPN
fsr-3226	371	14	(	(	PUNCT
fsr-3226	371	15	2014	2014	NUM
fsr-3226	371	16	)	)	PUNCT
fsr-3226	371	17	.	.	PUNCT
fsr-3226	372	1	reducing	reduce	VERB
fsr-3226	372	2	wealth	wealth	NOUN
fsr-3226	372	3	volatility	volatility	NOUN
fsr-3226	372	4	:	:	PUNCT
fsr-3226	372	5	the	the	DET
fsr-3226	372	6	value	value	NOUN
fsr-3226	372	7	of	of	ADP
fsr-3226	372	8	financial	financial	ADJ
fsr-3226	372	9	advice	advice	NOUN
fsr-3226	372	10	as	as	SCONJ
fsr-3226	372	11	measured	measure	VERB
fsr-3226	372	12	by	by	ADP
fsr-3226	372	13	zeta	zeta	PROPN
fsr-3226	372	14	.	.	PUNCT
fsr-3226	372	15	journal	journal	PROPN
fsr-3226	372	16	of	of	ADP
fsr-3226	372	17	financial	financial	ADJ
fsr-3226	372	18	planning	planning	NOUN
fsr-3226	372	19	,	,	PUNCT
fsr-3226	372	20	27	27	NUM
fsr-3226	372	21	,	,	PUNCT
fsr-3226	372	22	45–51	45–51	NUM
fsr-3226	372	23	.	.	PUNCT
fsr-3226	372	24	grable	grable	PROPN
fsr-3226	372	25	,	,	PUNCT
fsr-3226	372	26	j.	j.	PROPN
fsr-3226	372	27	e.	e.	PROPN
fsr-3226	372	28	,	,	PUNCT
fsr-3226	372	29	&	&	CCONJ
fsr-3226	372	30	joo	joo	PROPN
fsr-3226	372	31	,	,	PUNCT
fsr-3226	372	32	s.-h	s.-h	NOUN
fsr-3226	372	33	.	.	PUNCT
fsr-3226	373	1	(	(	PUNCT
fsr-3226	373	2	2001	2001	NUM
fsr-3226	373	3	)	)	PUNCT
fsr-3226	373	4	.	.	PUNCT
fsr-3226	374	1	a	a	DET
fsr-3226	374	2	further	further	ADJ
fsr-3226	374	3	examination	examination	NOUN
fsr-3226	374	4	of	of	ADP
fsr-3226	374	5	financial	financial	ADJ
fsr-3226	374	6	help	help	NOUN
fsr-3226	374	7	-	-	PUNCT
fsr-3226	374	8	seeking	seek	VERB
fsr-3226	374	9	behavior	behavior	NOUN
fsr-3226	374	10	.	.	PUNCT
fsr-3226	375	1	journal	journal	PROPN
fsr-3226	375	2	of	of	ADP
fsr-3226	375	3	financial	financial	ADJ
fsr-3226	375	4	counseling	counseling	NOUN
fsr-3226	375	5	and	and	CCONJ
fsr-3226	375	6	planning	planning	NOUN
fsr-3226	375	7	,	,	PUNCT
fsr-3226	375	8	12	12	NUM
fsr-3226	375	9	,	,	PUNCT
fsr-3226	375	10	55–74	55–74	NUM
fsr-3226	375	11	.	.	PUNCT
fsr-3226	376	1	grinblatt	grinblatt	PROPN
fsr-3226	376	2	,	,	PUNCT
fsr-3226	376	3	m.	m.	NOUN
fsr-3226	376	4	,	,	PUNCT
fsr-3226	376	5	keloharju	keloharju	NOUN
fsr-3226	376	6	,	,	PUNCT
fsr-3226	376	7	m.	m.	NOUN
fsr-3226	376	8	,	,	PUNCT
fsr-3226	376	9	&	&	CCONJ
fsr-3226	376	10	linnainmaa	linnainmaa	PROPN
fsr-3226	376	11	,	,	PUNCT
fsr-3226	376	12	j.	j.	PROPN
fsr-3226	376	13	t.	t.	PROPN
fsr-3226	376	14	(	(	PUNCT
fsr-3226	376	15	2012	2012	NUM
fsr-3226	376	16	)	)	PUNCT
fsr-3226	376	17	.	.	PUNCT
fsr-3226	377	1	iq	iq	PROPN
fsr-3226	377	2	,	,	PUNCT
fsr-3226	377	3	trading	trading	NOUN
fsr-3226	377	4	behavior	behavior	NOUN
fsr-3226	377	5	,	,	PUNCT
fsr-3226	377	6	and	and	CCONJ
fsr-3226	377	7	performance	performance	NOUN
fsr-3226	377	8	.	.	PUNCT
fsr-3226	378	1	journal	journal	NOUN
fsr-3226	378	2	of	of	ADP
fsr-3226	378	3	financial	financial	ADJ
fsr-3226	378	4	economics	economic	NOUN
fsr-3226	378	5	,	,	PUNCT
fsr-3226	378	6	104	104	NUM
fsr-3226	378	7	,	,	PUNCT
fsr-3226	378	8	339–362	339–362	NUM
fsr-3226	378	9	.	.	PUNCT
fsr-3226	379	1	hanna	hanna	PROPN
fsr-3226	379	2	,	,	PUNCT
fsr-3226	379	3	s.	s.	PROPN
fsr-3226	379	4	d.	d.	PROPN
fsr-3226	379	5	(	(	PUNCT
fsr-3226	379	6	2011	2011	NUM
fsr-3226	379	7	)	)	PUNCT
fsr-3226	379	8	.	.	PUNCT
fsr-3226	380	1	the	the	DET
fsr-3226	380	2	demand	demand	NOUN
fsr-3226	380	3	for	for	ADP
fsr-3226	380	4	financial	financial	ADJ
fsr-3226	380	5	planning	planning	NOUN
fsr-3226	380	6	services	service	NOUN
fsr-3226	380	7	.	.	PUNCT
fsr-3226	381	1	journal	journal	NOUN
fsr-3226	381	2	of	of	ADP
fsr-3226	381	3	personal	personal	ADJ
fsr-3226	381	4	finance	finance	NOUN
fsr-3226	381	5	,	,	PUNCT
fsr-3226	381	6	10	10	NUM
fsr-3226	381	7	,	,	PUNCT
fsr-3226	381	8	36–62	36–62	NUM
fsr-3226	381	9	.	.	PUNCT
fsr-3226	382	1	huston	huston	PROPN
fsr-3226	382	2	,	,	PUNCT
fsr-3226	382	3	s.	s.	PROPN
fsr-3226	382	4	j.	j.	PROPN
fsr-3226	382	5	(	(	PUNCT
fsr-3226	382	6	2010	2010	NUM
fsr-3226	382	7	)	)	PUNCT
fsr-3226	382	8	.	.	PUNCT
fsr-3226	383	1	measuring	measure	VERB
fsr-3226	383	2	financial	financial	ADJ
fsr-3226	383	3	literacy	literacy	NOUN
fsr-3226	383	4	.	.	PUNCT
fsr-3226	384	1	journal	journal	NOUN
fsr-3226	384	2	of	of	ADP
fsr-3226	384	3	consumer	consumer	NOUN
fsr-3226	384	4	affairs	affair	NOUN
fsr-3226	384	5	,	,	PUNCT
fsr-3226	384	6	44	44	NUM
fsr-3226	384	7	,	,	PUNCT
fsr-3226	384	8	296–316	296–316	NUM
fsr-3226	384	9	.	.	PUNCT
fsr-3226	385	1	huston	huston	PROPN
fsr-3226	385	2	,	,	PUNCT
fsr-3226	385	3	s.	s.	PROPN
fsr-3226	385	4	j.	j.	PROPN
fsr-3226	385	5	,	,	PUNCT
fsr-3226	385	6	finke	finke	PROPN
fsr-3226	385	7	,	,	PUNCT
fsr-3226	385	8	m.	m.	NOUN
fsr-3226	385	9	s.	s.	PROPN
fsr-3226	385	10	,	,	PUNCT
fsr-3226	385	11	&	&	CCONJ
fsr-3226	385	12	smith	smith	PROPN
fsr-3226	385	13	,	,	PUNCT
fsr-3226	385	14	h.	h.	PROPN
fsr-3226	385	15	l.	l.	PROPN
fsr-3226	385	16	(	(	PUNCT
fsr-3226	385	17	2012	2012	NUM
fsr-3226	385	18	)	)	PUNCT
fsr-3226	385	19	.	.	PUNCT
fsr-3226	386	1	a	a	DET
fsr-3226	386	2	financial	financial	ADJ
fsr-3226	386	3	sophistication	sophistication	NOUN
fsr-3226	386	4	proxy	proxy	NOUN
fsr-3226	386	5	for	for	ADP
fsr-3226	386	6	the	the	DET
fsr-3226	386	7	survey	survey	NOUN
fsr-3226	386	8	of	of	ADP
fsr-3226	386	9	consumer	consumer	NOUN
fsr-3226	386	10	finances	finance	NOUN
fsr-3226	386	11	.	.	PUNCT
fsr-3226	387	1	applied	apply	VERB
fsr-3226	387	2	economics	economic	NOUN
fsr-3226	387	3	letters	letter	NOUN
fsr-3226	387	4	,	,	PUNCT
fsr-3226	387	5	19	19	NUM
fsr-3226	387	6	,	,	PUNCT
fsr-3226	387	7	1275–1278	1275–1278	NUM
fsr-3226	387	8	.	.	PUNCT
fsr-3226	388	1	doi:10.1080/13504851.2011.619485	doi:10.1080/13504851.2011.619485	PROPN
fsr-3226	388	2	.	.	PUNCT
fsr-3226	389	1	kim	kim	PROPN
fsr-3226	389	2	,	,	PUNCT
fsr-3226	389	3	k.	k.	PROPN
fsr-3226	389	4	,	,	PUNCT
fsr-3226	389	5	&	&	CCONJ
fsr-3226	389	6	hanna	hanna	PROPN
fsr-3226	389	7	,	,	PUNCT
fsr-3226	389	8	s.	s.	PROPN
fsr-3226	389	9	d.	d.	PROPN
fsr-3226	389	10	(	(	PUNCT
fsr-3226	389	11	2015	2015	NUM
fsr-3226	389	12	)	)	PUNCT
fsr-3226	389	13	.	.	PUNCT
fsr-3226	390	1	do	do	AUX
fsr-3226	390	2	u.s	u.s	PROPN
fsr-3226	390	3	.	.	PROPN
fsr-3226	390	4	households	household	NOUN
fsr-3226	390	5	perceive	perceive	VERB
fsr-3226	390	6	their	their	PRON
fsr-3226	390	7	retirement	retirement	NOUN
fsr-3226	390	8	preparedness	preparedness	NOUN
fsr-3226	390	9	realistically	realistically	ADV
fsr-3226	390	10	?	?	PUNCT
fsr-3226	391	1	financial	financial	ADJ
fsr-3226	391	2	services	service	NOUN
fsr-3226	391	3	review	review	NOUN
fsr-3226	391	4	,	,	PUNCT
fsr-3226	391	5	24	24	NUM
fsr-3226	391	6	,	,	PUNCT
fsr-3226	391	7	139–155	139–155	NUM
fsr-3226	391	8	.	.	PUNCT
fsr-3226	392	1	kim	kim	PROPN
fsr-3226	392	2	,	,	PUNCT
fsr-3226	392	3	k.	k.	PROPN
fsr-3226	392	4	,	,	PUNCT
fsr-3226	392	5	seay	seay	PROPN
fsr-3226	392	6	,	,	PUNCT
fsr-3226	392	7	m.	m.	PROPN
fsr-3226	392	8	c.	c.	PROPN
fsr-3226	392	9	,	,	PUNCT
fsr-3226	392	10	&	&	CCONJ
fsr-3226	392	11	smith	smith	PROPN
fsr-3226	392	12	,	,	PUNCT
fsr-3226	392	13	h.	h.	PROPN
fsr-3226	392	14	(	(	PUNCT
fsr-3226	392	15	2016	2016	NUM
fsr-3226	392	16	)	)	PUNCT
fsr-3226	392	17	.	.	PUNCT
fsr-3226	393	1	after	after	ADP
fsr-3226	393	2	the	the	DET
fsr-3226	393	3	great	great	ADJ
fsr-3226	393	4	recession	recession	NOUN
fsr-3226	393	5	:	:	PUNCT
fsr-3226	393	6	financial	financial	ADJ
fsr-3226	393	7	sophistication	sophistication	NOUN
fsr-3226	393	8	and	and	CCONJ
fsr-3226	393	9	housing	housing	NOUN
fsr-3226	393	10	leverage	leverage	NOUN
fsr-3226	393	11	.	.	PUNCT
fsr-3226	394	1	applied	apply	VERB
fsr-3226	394	2	economics	economic	NOUN
fsr-3226	394	3	letters	letter	NOUN
fsr-3226	394	4	,	,	PUNCT
fsr-3226	394	5	23	23	NUM
fsr-3226	394	6	,	,	PUNCT
fsr-3226	394	7	1285–1288	1285–1288	NUM
fsr-3226	394	8	.	.	PUNCT
fsr-3226	395	1	doi:10.1080/13504851.2016.1150944	doi:10.1080/13504851.2016.1150944	NOUN
fsr-3226	395	2	.	.	PUNCT
fsr-3226	395	3	kitces	kitce	NOUN
fsr-3226	395	4	,	,	PUNCT
fsr-3226	395	5	m.	m.	NOUN
fsr-3226	395	6	(	(	PUNCT
fsr-3226	395	7	2015	2015	NUM
fsr-3226	395	8	)	)	PUNCT
fsr-3226	395	9	.	.	PUNCT
fsr-3226	396	1	6	6	NUM
fsr-3226	396	2	key	key	ADJ
fsr-3226	396	3	value	value	NOUN
fsr-3226	396	4	propositions	proposition	NOUN
fsr-3226	396	5	a	a	DET
fsr-3226	396	6	good	good	ADJ
fsr-3226	396	7	financial	financial	ADJ
fsr-3226	396	8	planner	planner	NOUN
fsr-3226	396	9	can	can	AUX
fsr-3226	396	10	provide	provide	VERB
fsr-3226	396	11	for	for	ADP
fsr-3226	396	12	clients	client	NOUN
fsr-3226	396	13	seeking	seek	VERB
fsr-3226	396	14	a	a	DET
fsr-3226	396	15	better	well	ADJ
fsr-3226	396	16	“	"	PUNCT
fsr-3226	396	17	return	return	NOUN
fsr-3226	396	18	on	on	ADP
fsr-3226	396	19	life	life	NOUN
fsr-3226	396	20	”	"	PUNCT
fsr-3226	396	21	(	(	PUNCT
fsr-3226	396	22	available	available	ADJ
fsr-3226	396	23	at	at	ADP
fsr-3226	396	24	:	:	PUNCT
fsr-3226	396	25	https://www.kitces.com/blog/6-key-value-propositions-a-good-financialplanner-can-provide-for-clients-seeking-a-better-return-on-life/	https://www.kitces.com/blog/6-key-value-propositions-a-good-financialplanner-can-provide-for-clients-seeking-a-better-return-on-life/	X
fsr-3226	396	26	)	)	PUNCT
fsr-3226	396	27	.	.	PUNCT
fsr-3226	397	1	lachance	lachance	NOUN
fsr-3226	397	2	,	,	PUNCT
fsr-3226	397	3	m.-e	m.-e	PROPN
fsr-3226	397	4	.	.	PUNCT
fsr-3226	397	5	,	,	PUNCT
fsr-3226	397	6	&	&	CCONJ
fsr-3226	397	7	tang	tang	PROPN
fsr-3226	397	8	,	,	PUNCT
fsr-3226	397	9	n.	n.	NOUN
fsr-3226	397	10	(	(	PUNCT
fsr-3226	397	11	2012	2012	NUM
fsr-3226	397	12	)	)	PUNCT
fsr-3226	397	13	.	.	PUNCT
fsr-3226	398	1	financial	financial	ADJ
fsr-3226	398	2	advice	advice	NOUN
fsr-3226	398	3	and	and	CCONJ
fsr-3226	398	4	trust	trust	NOUN
fsr-3226	398	5	.	.	PUNCT
fsr-3226	399	1	financial	financial	ADJ
fsr-3226	399	2	services	services	PROPN
fsr-3226	399	3	review	review	PROPN
fsr-3226	399	4	,	,	PUNCT
fsr-3226	399	5	21	21	NUM
fsr-3226	399	6	,	,	PUNCT
fsr-3226	399	7	209–226	209–226	NUM
fsr-3226	399	8	.	.	PUNCT
fsr-3226	400	1	lim	lim	PROPN
fsr-3226	400	2	,	,	PUNCT
fsr-3226	400	3	h.	h.	PROPN
fsr-3226	400	4	,	,	PUNCT
fsr-3226	400	5	heckman	heckman	PROPN
fsr-3226	400	6	,	,	PUNCT
fsr-3226	400	7	s.	s.	PROPN
fsr-3226	400	8	j.	j.	PROPN
fsr-3226	400	9	,	,	PUNCT
fsr-3226	400	10	letkiewicz	letkiewicz	PROPN
fsr-3226	400	11	,	,	PUNCT
fsr-3226	400	12	j.	j.	PROPN
fsr-3226	400	13	,	,	PUNCT
fsr-3226	400	14	&	&	CCONJ
fsr-3226	400	15	montalto	montalto	PROPN
fsr-3226	400	16	,	,	PUNCT
fsr-3226	400	17	c.	c.	PROPN
fsr-3226	400	18	p.	p.	PROPN
fsr-3226	400	19	(	(	PUNCT
fsr-3226	400	20	2014	2014	NUM
fsr-3226	400	21	)	)	PUNCT
fsr-3226	400	22	.	.	PUNCT
fsr-3226	401	1	financial	financial	ADJ
fsr-3226	401	2	stress	stress	NOUN
fsr-3226	401	3	,	,	PUNCT
fsr-3226	401	4	self	self	NOUN
fsr-3226	401	5	-	-	PUNCT
fsr-3226	401	6	efficacy	efficacy	NOUN
fsr-3226	401	7	,	,	PUNCT
fsr-3226	401	8	and	and	CCONJ
fsr-3226	401	9	financial	financial	ADJ
fsr-3226	401	10	help	help	NOUN
fsr-3226	401	11	-	-	PUNCT
fsr-3226	401	12	seeking	seek	VERB
fsr-3226	401	13	behavior	behavior	NOUN
fsr-3226	401	14	of	of	ADP
fsr-3226	401	15	college	college	NOUN
fsr-3226	401	16	students	student	NOUN
fsr-3226	401	17	.	.	PUNCT
fsr-3226	402	1	journal	journal	NOUN
fsr-3226	402	2	of	of	ADP
fsr-3226	402	3	financial	financial	ADJ
fsr-3226	402	4	counseling	counseling	NOUN
fsr-3226	402	5	and	and	CCONJ
fsr-3226	402	6	planning	planning	NOUN
fsr-3226	402	7	,	,	PUNCT
fsr-3226	402	8	25	25	NUM
fsr-3226	402	9	,	,	PUNCT
fsr-3226	402	10	148–160	148–160	NUM
fsr-3226	402	11	.	.	PUNCT
fsr-3226	403	1	lusardi	lusardi	PROPN
fsr-3226	403	2	,	,	PUNCT
fsr-3226	403	3	a.	a.	PROPN
fsr-3226	403	4	,	,	PUNCT
fsr-3226	403	5	&	&	CCONJ
fsr-3226	403	6	mitchell	mitchell	PROPN
fsr-3226	403	7	,	,	PUNCT
fsr-3226	403	8	o.	o.	PROPN
fsr-3226	403	9	s.	s.	PROPN
fsr-3226	403	10	(	(	PUNCT
fsr-3226	403	11	2007	2007	NUM
fsr-3226	403	12	)	)	PUNCT
fsr-3226	403	13	.	.	PUNCT
fsr-3226	404	1	baby	baby	NOUN
fsr-3226	404	2	boomer	boomer	PROPN
fsr-3226	404	3	retirement	retirement	PROPN
fsr-3226	404	4	security	security	PROPN
fsr-3226	404	5	:	:	PUNCT
fsr-3226	404	6	the	the	DET
fsr-3226	404	7	role	role	NOUN
fsr-3226	404	8	of	of	ADP
fsr-3226	404	9	planning	planning	NOUN
fsr-3226	404	10	,	,	PUNCT
fsr-3226	404	11	financial	financial	ADJ
fsr-3226	404	12	literacy	literacy	NOUN
fsr-3226	404	13	,	,	PUNCT
fsr-3226	404	14	and	and	CCONJ
fsr-3226	404	15	housing	housing	NOUN
fsr-3226	404	16	wealth	wealth	NOUN
fsr-3226	404	17	.	.	PUNCT
fsr-3226	405	1	journal	journal	PROPN
fsr-3226	405	2	of	of	ADP
fsr-3226	405	3	monetary	monetary	ADJ
fsr-3226	405	4	economics	economic	NOUN
fsr-3226	405	5	,	,	PUNCT
fsr-3226	405	6	54	54	NUM
fsr-3226	405	7	,	,	PUNCT
fsr-3226	405	8	205–224	205–224	NUM
fsr-3226	405	9	.	.	PUNCT
fsr-3226	406	1	lusardi	lusardi	PROPN
fsr-3226	406	2	,	,	PUNCT
fsr-3226	406	3	a.	a.	PROPN
fsr-3226	406	4	,	,	PUNCT
fsr-3226	406	5	&	&	CCONJ
fsr-3226	406	6	mitchell	mitchell	PROPN
fsr-3226	406	7	,	,	PUNCT
fsr-3226	406	8	o.	o.	PROPN
fsr-3226	406	9	s.	s.	PROPN
fsr-3226	406	10	(	(	PUNCT
fsr-3226	406	11	2009	2009	NUM
fsr-3226	406	12	)	)	PUNCT
fsr-3226	406	13	.	.	PUNCT
fsr-3226	407	1	how	how	SCONJ
fsr-3226	407	2	ordinary	ordinary	ADJ
fsr-3226	407	3	consumers	consumer	NOUN
fsr-3226	407	4	make	make	VERB
fsr-3226	407	5	complex	complex	ADJ
fsr-3226	407	6	economic	economic	ADJ
fsr-3226	407	7	decisions	decision	NOUN
fsr-3226	407	8	:	:	PUNCT
fsr-3226	407	9	financial	financial	ADJ
fsr-3226	407	10	literacy	literacy	NOUN
fsr-3226	407	11	and	and	CCONJ
fsr-3226	407	12	retirement	retirement	NOUN
fsr-3226	407	13	readiness	readiness	NOUN
fsr-3226	407	14	(	(	PUNCT
fsr-3226	407	15	no	no	INTJ
fsr-3226	407	16	.	.	PUNCT
fsr-3226	408	1	w15350	w15350	PROPN
fsr-3226	408	2	)	)	PUNCT
fsr-3226	408	3	.	.	PUNCT
fsr-3226	409	1	national	national	PROPN
fsr-3226	409	2	bureau	bureau	PROPN
fsr-3226	409	3	of	of	ADP
fsr-3226	409	4	economic	economic	ADJ
fsr-3226	409	5	research	research	NOUN
fsr-3226	409	6	(	(	PUNCT
fsr-3226	409	7	available	available	ADJ
fsr-3226	409	8	at	at	ADP
fsr-3226	409	9	:	:	PUNCT
fsr-3226	409	10	http://www.nber.org/papers/w15350	http://www.nber.org/papers/w15350	NUM
fsr-3226	409	11	)	)	PUNCT
fsr-3226	409	12	.	.	PUNCT
fsr-3226	410	1	lusardi	lusardi	PROPN
fsr-3226	410	2	,	,	PUNCT
fsr-3226	410	3	a.	a.	PROPN
fsr-3226	410	4	,	,	PUNCT
fsr-3226	410	5	&	&	CCONJ
fsr-3226	410	6	scheresberg	scheresberg	PROPN
fsr-3226	410	7	,	,	PUNCT
fsr-3226	410	8	c.	c.	PROPN
fsr-3226	410	9	b.	b.	PROPN
fsr-3226	410	10	(	(	PUNCT
fsr-3226	410	11	2013	2013	NUM
fsr-3226	410	12	)	)	PUNCT
fsr-3226	410	13	.	.	PUNCT
fsr-3226	411	1	financial	financial	ADJ
fsr-3226	411	2	literacy	literacy	NOUN
fsr-3226	411	3	and	and	CCONJ
fsr-3226	411	4	high	high	ADJ
fsr-3226	411	5	-	-	PUNCT
fsr-3226	411	6	cost	cost	NOUN
fsr-3226	411	7	borrowing	borrowing	NOUN
fsr-3226	411	8	in	in	ADP
fsr-3226	411	9	the	the	DET
fsr-3226	411	10	united	united	PROPN
fsr-3226	411	11	states	states	PROPN
fsr-3226	411	12	(	(	PUNCT
fsr-3226	411	13	no	no	INTJ
fsr-3226	411	14	.	.	PUNCT
fsr-3226	411	15	w18969	w18969	NOUN
fsr-3226	411	16	)	)	PUNCT
fsr-3226	411	17	.	.	PUNCT
fsr-3226	412	1	national	national	PROPN
fsr-3226	412	2	bureau	bureau	PROPN
fsr-3226	412	3	of	of	ADP
fsr-3226	412	4	economic	economic	ADJ
fsr-3226	412	5	research	research	NOUN
fsr-3226	412	6	(	(	PUNCT
fsr-3226	412	7	available	available	ADJ
fsr-3226	412	8	at	at	ADP
fsr-3226	412	9	:	:	PUNCT
fsr-3226	412	10	http://www.nber.org/papers/w18969	http://www.nber.org/papers/w18969	X
fsr-3226	412	11	)	)	PUNCT
fsr-3226	412	12	.	.	PUNCT
fsr-3226	413	1	marsden	marsden	PROPN
fsr-3226	413	2	,	,	PUNCT
fsr-3226	413	3	m.	m.	NOUN
fsr-3226	413	4	,	,	PUNCT
fsr-3226	413	5	zick	zick	PROPN
fsr-3226	413	6	,	,	PUNCT
fsr-3226	413	7	c.	c.	PROPN
fsr-3226	413	8	d.	d.	PROPN
fsr-3226	413	9	,	,	PUNCT
fsr-3226	413	10	&	&	CCONJ
fsr-3226	413	11	mayer	mayer	PROPN
fsr-3226	413	12	,	,	PUNCT
fsr-3226	413	13	r.	r.	PROPN
fsr-3226	413	14	n.	n.	PROPN
fsr-3226	413	15	(	(	PUNCT
fsr-3226	413	16	2011	2011	NUM
fsr-3226	413	17	)	)	PUNCT
fsr-3226	413	18	.	.	PUNCT
fsr-3226	414	1	the	the	DET
fsr-3226	414	2	value	value	NOUN
fsr-3226	414	3	of	of	ADP
fsr-3226	414	4	seeking	seek	VERB
fsr-3226	414	5	financial	financial	ADJ
fsr-3226	414	6	advice	advice	NOUN
fsr-3226	414	7	.	.	PUNCT
fsr-3226	415	1	journal	journal	NOUN
fsr-3226	415	2	of	of	ADP
fsr-3226	415	3	family	family	NOUN
fsr-3226	415	4	and	and	CCONJ
fsr-3226	415	5	economic	economic	ADJ
fsr-3226	415	6	issues	issue	NOUN
fsr-3226	415	7	,	,	PUNCT
fsr-3226	415	8	32	32	NUM
fsr-3226	415	9	,	,	PUNCT
fsr-3226	415	10	625–643	625–643	NUM
fsr-3226	415	11	.	.	PUNCT
fsr-3226	416	1	martin	martin	PROPN
fsr-3226	416	2	jr	jr	PROPN
fsr-3226	416	3	.	.	PROPN
fsr-3226	416	4	,	,	PUNCT
fsr-3226	416	5	t.	t.	PROPN
fsr-3226	416	6	k.	k.	PROPN
fsr-3226	416	7	,	,	PUNCT
fsr-3226	416	8	finke	finke	PROPN
fsr-3226	416	9	,	,	PUNCT
fsr-3226	416	10	m.	m.	NOUN
fsr-3226	416	11	,	,	PUNCT
fsr-3226	416	12	&	&	CCONJ
fsr-3226	416	13	gibson	gibson	PROPN
fsr-3226	416	14	,	,	PUNCT
fsr-3226	416	15	p.	p.	NOUN
fsr-3226	416	16	(	(	PUNCT
fsr-3226	416	17	2014	2014	NUM
fsr-3226	416	18	)	)	PUNCT
fsr-3226	416	19	.	.	PUNCT
fsr-3226	417	1	race	race	NOUN
fsr-3226	417	2	,	,	PUNCT
fsr-3226	417	3	trust	trust	NOUN
fsr-3226	417	4	,	,	PUNCT
fsr-3226	417	5	and	and	CCONJ
fsr-3226	417	6	retirement	retirement	NOUN
fsr-3226	417	7	decisions	decision	NOUN
fsr-3226	417	8	.	.	PUNCT
fsr-3226	418	1	journal	journal	NOUN
fsr-3226	418	2	of	of	ADP
fsr-3226	418	3	personal	personal	ADJ
fsr-3226	418	4	finance	finance	NOUN
fsr-3226	418	5	,	,	PUNCT
fsr-3226	418	6	13	13	NUM
fsr-3226	418	7	,	,	PUNCT
fsr-3226	418	8	62–71	62–71	NOUN
fsr-3226	418	9	.	.	PUNCT
fsr-3226	419	1	moore	moore	PROPN
fsr-3226	419	2	,	,	PUNCT
fsr-3226	419	3	d.	d.	PROPN
fsr-3226	419	4	(	(	PUNCT
fsr-3226	419	5	2003	2003	NUM
fsr-3226	419	6	)	)	PUNCT
fsr-3226	419	7	.	.	PUNCT
fsr-3226	420	1	survey	survey	NOUN
fsr-3226	420	2	of	of	ADP
fsr-3226	420	3	financial	financial	ADJ
fsr-3226	420	4	literacy	literacy	NOUN
fsr-3226	420	5	in	in	ADP
fsr-3226	420	6	washington	washington	PROPN
fsr-3226	420	7	state	state	PROPN
fsr-3226	420	8	:	:	PUNCT
fsr-3226	420	9	knowledge	knowledge	NOUN
fsr-3226	420	10	,	,	PUNCT
fsr-3226	420	11	behavior	behavior	NOUN
fsr-3226	420	12	,	,	PUNCT
fsr-3226	420	13	attitudes	attitude	NOUN
fsr-3226	420	14	,	,	PUNCT
fsr-3226	420	15	and	and	CCONJ
fsr-3226	420	16	experiences	experience	NOUN
fsr-3226	420	17	(	(	PUNCT
fsr-3226	420	18	tech	tech	NOUN
fsr-3226	420	19	.	.	PUNCT
fsr-3226	421	1	rep	rep	PROPN
fsr-3226	421	2	.	.	PROPN
fsr-3226	421	3	no	no	PROPN
fsr-3226	421	4	.	.	PUNCT
fsr-3226	421	5	03–39	03–39	NUM
fsr-3226	421	6	)	)	PUNCT
fsr-3226	421	7	.	.	PUNCT
fsr-3226	422	1	pullman	pullman	PROPN
fsr-3226	422	2	,	,	PUNCT
fsr-3226	422	3	wa	wa	PROPN
fsr-3226	422	4	:	:	PUNCT
fsr-3226	422	5	washington	washington	PROPN
fsr-3226	422	6	state	state	PROPN
fsr-3226	422	7	university	university	PROPN
fsr-3226	422	8	,	,	PUNCT
fsr-3226	422	9	social	social	ADJ
fsr-3226	422	10	and	and	CCONJ
fsr-3226	422	11	economic	economic	ADJ
fsr-3226	422	12	sciences	sciences	PROPN
fsr-3226	422	13	research	research	NOUN
fsr-3226	422	14	center	center	NOUN
fsr-3226	422	15	(	(	PUNCT
fsr-3226	422	16	available	available	ADJ
fsr-3226	422	17	at	at	ADP
fsr-3226	422	18	:	:	PUNCT
fsr-3226	422	19	http://www.sesrc.wsu.edu/sesrcsite/papers/files/dfi-techreportfinal2-16-04.pdf	http://www.sesrc.wsu.edu/sesrcsite/papers/files/dfi-techreportfinal2-16-04.pdf	PROPN
fsr-3226	422	20	)	)	PUNCT
fsr-3226	422	21	.	.	PUNCT
fsr-3226	423	1	moulton	moulton	PROPN
fsr-3226	423	2	,	,	PUNCT
fsr-3226	423	3	s.	s.	PROPN
fsr-3226	423	4	,	,	PUNCT
fsr-3226	423	5	loibl	loibl	PROPN
fsr-3226	423	6	,	,	PUNCT
fsr-3226	423	7	c.	c.	PROPN
fsr-3226	423	8	,	,	PUNCT
fsr-3226	423	9	samak	samak	PROPN
fsr-3226	423	10	,	,	PUNCT
fsr-3226	423	11	a.	a.	PROPN
fsr-3226	423	12	,	,	PUNCT
fsr-3226	423	13	&	&	CCONJ
fsr-3226	423	14	collins	collins	PROPN
fsr-3226	423	15	,	,	PUNCT
fsr-3226	423	16	m.	m.	PROPN
fsr-3226	423	17	j.	j.	PROPN
fsr-3226	423	18	(	(	PUNCT
fsr-3226	423	19	2013	2013	NUM
fsr-3226	423	20	)	)	PUNCT
fsr-3226	423	21	.	.	PUNCT
fsr-3226	424	1	borrowing	borrowing	NOUN
fsr-3226	424	2	capacity	capacity	NOUN
fsr-3226	424	3	and	and	CCONJ
fsr-3226	424	4	financial	financial	ADJ
fsr-3226	424	5	decisions	decision	NOUN
fsr-3226	424	6	of	of	ADP
fsr-3226	424	7	low	low	ADJ
fsr-3226	424	8	-	-	PUNCT
fsr-3226	424	9	tomoderate	tomoderate	ADJ
fsr-3226	424	10	income	income	NOUN
fsr-3226	424	11	first	first	ADJ
fsr-3226	424	12	-	-	PUNCT
fsr-3226	424	13	time	time	NOUN
fsr-3226	424	14	homebuyers	homebuyer	NOUN
fsr-3226	424	15	.	.	PUNCT
fsr-3226	425	1	journal	journal	NOUN
fsr-3226	425	2	of	of	ADP
fsr-3226	425	3	consumer	consumer	NOUN
fsr-3226	425	4	affairs	affair	NOUN
fsr-3226	425	5	,	,	PUNCT
fsr-3226	425	6	47	47	NUM
fsr-3226	425	7	,	,	PUNCT
fsr-3226	425	8	375–403	375–403	NUM
fsr-3226	425	9	.	.	PUNCT
fsr-3226	426	1	doi:10.1111	doi:10.1111	PROPN
fsr-3226	426	2	/	/	SYM
fsr-3226	426	3	joca.12021	joca.12021	PROPN
fsr-3226	426	4	.	.	PUNCT
fsr-3226	426	5	munnell	munnell	PROPN
fsr-3226	426	6	,	,	PUNCT
fsr-3226	426	7	a.	a.	PROPN
fsr-3226	426	8	h.	h.	PROPN
fsr-3226	426	9	,	,	PUNCT
fsr-3226	426	10	hou	hou	PROPN
fsr-3226	426	11	,	,	PUNCT
fsr-3226	426	12	w.	w.	PROPN
fsr-3226	426	13	,	,	PUNCT
fsr-3226	426	14	&	&	CCONJ
fsr-3226	426	15	webb	webb	PROPN
fsr-3226	426	16	,	,	PUNCT
fsr-3226	426	17	a.	a.	NOUN
fsr-3226	426	18	(	(	PUNCT
fsr-3226	426	19	2014	2014	NUM
fsr-3226	426	20	)	)	PUNCT
fsr-3226	426	21	.	.	PUNCT
fsr-3226	427	1	nrri	nrri	PROPN
fsr-3226	427	2	update	update	NOUN
fsr-3226	427	3	shows	show	VERB
fsr-3226	427	4	half	half	NOUN
fsr-3226	427	5	still	still	ADV
fsr-3226	427	6	falling	fall	VERB
fsr-3226	427	7	short	short	ADJ
fsr-3226	427	8	.	.	PUNCT
fsr-3226	428	1	center	center	NOUN
fsr-3226	428	2	for	for	ADP
fsr-3226	428	3	retirement	retirement	NOUN
fsr-3226	428	4	research	research	NOUN
fsr-3226	428	5	at	at	ADP
fsr-3226	428	6	boston	boston	PROPN
fsr-3226	428	7	college	college	PROPN
fsr-3226	428	8	issue	issue	NOUN
fsr-3226	428	9	in	in	ADP
fsr-3226	428	10	brief	brief	ADJ
fsr-3226	428	11	2014–20	2014–20	NOUN
fsr-3226	428	12	.	.	PUNCT
fsr-3226	429	1	349m.c	349m.c	NUM
fsr-3226	429	2	.	.	PUNCT
fsr-3226	430	1	seay	seay	PROPN
fsr-3226	430	2	et	et	PROPN
fsr-3226	430	3	al	al	PROPN
fsr-3226	430	4	.	.	PUNCT
fsr-3226	430	5	/	/	SYM
fsr-3226	430	6	financial	financial	ADJ
fsr-3226	430	7	services	service	NOUN
fsr-3226	430	8	review	review	VERB
fsr-3226	430	9	25	25	NUM
fsr-3226	430	10	(	(	PUNCT
fsr-3226	430	11	2016	2016	NUM
fsr-3226	430	12	)	)	PUNCT
fsr-3226	431	1	331–350	331–350	NUM
fsr-3226	431	2	munnell	munnell	NOUN
fsr-3226	431	3	,	,	PUNCT
fsr-3226	431	4	a.	a.	PROPN
fsr-3226	431	5	h.	h.	PROPN
fsr-3226	431	6	,	,	PUNCT
fsr-3226	431	7	webb	webb	PROPN
fsr-3226	431	8	,	,	PUNCT
fsr-3226	431	9	a.	a.	PROPN
fsr-3226	431	10	,	,	PUNCT
fsr-3226	431	11	&	&	CCONJ
fsr-3226	431	12	golub	golub	PROPN
fsr-3226	431	13	-	-	PUNCT
fsr-3226	431	14	sass	sass	PROPN
fsr-3226	431	15	,	,	PUNCT
fsr-3226	431	16	f.	f.	PROPN
fsr-3226	431	17	(	(	PUNCT
fsr-3226	431	18	2012	2012	NUM
fsr-3226	431	19	)	)	PUNCT
fsr-3226	431	20	.	.	PUNCT
fsr-3226	432	1	the	the	DET
fsr-3226	432	2	national	national	PROPN
fsr-3226	432	3	retirement	retirement	PROPN
fsr-3226	432	4	risk	risk	PROPN
fsr-3226	432	5	index	index	NOUN
fsr-3226	432	6	:	:	PUNCT
fsr-3226	432	7	an	an	DET
fsr-3226	432	8	update	update	NOUN
fsr-3226	432	9	.	.	PUNCT
fsr-3226	433	1	center	center	NOUN
fsr-3226	433	2	for	for	ADP
fsr-3226	433	3	retirement	retirement	NOUN
fsr-3226	433	4	research	research	NOUN
fsr-3226	433	5	at	at	ADP
fsr-3226	433	6	boston	boston	PROPN
fsr-3226	433	7	college	college	PROPN
fsr-3226	433	8	issue	issue	NOUN
fsr-3226	433	9	in	in	ADP
fsr-3226	433	10	brief	brief	ADJ
fsr-3226	433	11	2012–20	2012–20	PROPN
fsr-3226	433	12	.	.	PUNCT
fsr-3226	434	1	park	park	PROPN
fsr-3226	434	2	,	,	PUNCT
fsr-3226	434	3	e.	e.	PROPN
fsr-3226	434	4	,	,	PUNCT
fsr-3226	434	5	&	&	CCONJ
fsr-3226	434	6	yao	yao	PROPN
fsr-3226	434	7	,	,	PUNCT
fsr-3226	434	8	r.	r.	PROPN
fsr-3226	434	9	(	(	PUNCT
fsr-3226	434	10	2015	2015	NUM
fsr-3226	434	11	)	)	PUNCT
fsr-3226	434	12	.	.	PUNCT
fsr-3226	435	1	financial	financial	ADJ
fsr-3226	435	2	risk	risk	NOUN
fsr-3226	435	3	attitude	attitude	NOUN
fsr-3226	435	4	and	and	CCONJ
fsr-3226	435	5	behavior	behavior	NOUN
fsr-3226	435	6	:	:	PUNCT
fsr-3226	436	1	do	do	AUX
fsr-3226	436	2	planners	planner	NOUN
fsr-3226	436	3	help	help	VERB
fsr-3226	436	4	increase	increase	VERB
fsr-3226	436	5	consistency	consistency	NOUN
fsr-3226	436	6	?	?	PUNCT
fsr-3226	437	1	journal	journal	NOUN
fsr-3226	437	2	of	of	ADP
fsr-3226	437	3	family	family	NOUN
fsr-3226	437	4	and	and	CCONJ
fsr-3226	437	5	economic	economic	ADJ
fsr-3226	437	6	issues	issue	NOUN
fsr-3226	437	7	,	,	PUNCT
fsr-3226	437	8	37	37	NUM
fsr-3226	437	9	,	,	PUNCT
fsr-3226	437	10	624–638	624–638	NUM
fsr-3226	437	11	.	.	PUNCT
fsr-3226	438	1	doi:10.1007	doi:10.1007	PROPN
fsr-3226	438	2	/	/	PUNCT
fsr-3226	439	1	s10834	s10834	NOUN
fsr-3226	439	2	-	-	PUNCT
fsr-3226	439	3	015	015	NUM
fsr-3226	439	4	-	-	PUNCT
fsr-3226	439	5	9469	9469	NUM
fsr-3226	439	6	-	-	SYM
fsr-3226	439	7	9	9	NUM
fsr-3226	439	8	.	.	X
fsr-3226	439	9	perry	perry	PROPN
fsr-3226	439	10	,	,	PUNCT
fsr-3226	439	11	v.	v.	PROPN
fsr-3226	439	12	g.	g.	PROPN
fsr-3226	439	13	,	,	PUNCT
fsr-3226	439	14	&	&	CCONJ
fsr-3226	439	15	morris	morris	PROPN
fsr-3226	439	16	,	,	PUNCT
fsr-3226	439	17	m.	m.	PROPN
fsr-3226	439	18	d.	d.	PROPN
fsr-3226	439	19	(	(	PUNCT
fsr-3226	439	20	2005	2005	NUM
fsr-3226	439	21	)	)	PUNCT
fsr-3226	439	22	.	.	PUNCT
fsr-3226	440	1	who	who	PRON
fsr-3226	440	2	is	be	AUX
fsr-3226	440	3	in	in	ADP
fsr-3226	440	4	control	control	NOUN
fsr-3226	440	5	?	?	PUNCT
fsr-3226	441	1	the	the	DET
fsr-3226	441	2	role	role	NOUN
fsr-3226	441	3	of	of	ADP
fsr-3226	441	4	self	self	NOUN
fsr-3226	441	5	-	-	PUNCT
fsr-3226	441	6	perception	perception	NOUN
fsr-3226	441	7	,	,	PUNCT
fsr-3226	441	8	knowledge	knowledge	NOUN
fsr-3226	441	9	,	,	PUNCT
fsr-3226	441	10	and	and	CCONJ
fsr-3226	441	11	income	income	NOUN
fsr-3226	441	12	in	in	ADP
fsr-3226	441	13	explaining	explain	VERB
fsr-3226	441	14	consumer	consumer	NOUN
fsr-3226	441	15	financial	financial	ADJ
fsr-3226	441	16	behavior	behavior	NOUN
fsr-3226	441	17	.	.	PUNCT
fsr-3226	442	1	journal	journal	PROPN
fsr-3226	442	2	of	of	ADP
fsr-3226	442	3	consumer	consumer	NOUN
fsr-3226	442	4	affairs	affair	NOUN
fsr-3226	442	5	,	,	PUNCT
fsr-3226	442	6	39	39	NUM
fsr-3226	442	7	,	,	PUNCT
fsr-3226	442	8	299–313	299–313	NUM
fsr-3226	442	9	.	.	PUNCT
fsr-3226	443	1	princeton	princeton	PROPN
fsr-3226	443	2	survey	survey	PROPN
fsr-3226	443	3	research	research	PROPN
fsr-3226	443	4	associates	associates	PROPN
fsr-3226	443	5	international	international	PROPN
fsr-3226	443	6	.	.	PUNCT
fsr-3226	444	1	(	(	PUNCT
fsr-3226	444	2	2013	2013	NUM
fsr-3226	444	3	)	)	PUNCT
fsr-3226	444	4	.	.	PUNCT
fsr-3226	445	1	financial	financial	ADJ
fsr-3226	445	2	planning	planning	NOUN
fsr-3226	445	3	profiles	profile	NOUN
fsr-3226	445	4	of	of	ADP
fsr-3226	445	5	american	american	ADJ
fsr-3226	445	6	huseholds	husehold	NOUN
fsr-3226	445	7	:	:	PUNCT
fsr-3226	445	8	the	the	DET
fsr-3226	445	9	2013	2013	NUM
fsr-3226	445	10	household	household	NOUN
fsr-3226	445	11	financial	financial	ADJ
fsr-3226	445	12	planning	planning	NOUN
fsr-3226	445	13	survey	survey	NOUN
fsr-3226	445	14	and	and	CCONJ
fsr-3226	445	15	index	index	NOUN
fsr-3226	445	16	(	(	PUNCT
fsr-3226	445	17	available	available	ADJ
fsr-3226	445	18	at	at	ADP
fsr-3226	445	19	:	:	PUNCT
fsr-3226	445	20	http://www.cfp.net/docs/publicpolicy/2013-fin-planning-profiles-of-amer-households.pdf	http://www.cfp.net/docs/publicpolicy/2013-fin-planning-profiles-of-amer-households.pdf	PROPN
fsr-3226	445	21	)	)	PUNCT
fsr-3226	445	22	.	.	PUNCT
fsr-3226	446	1	robb	robb	NOUN
fsr-3226	446	2	,	,	PUNCT
fsr-3226	446	3	c.	c.	PROPN
fsr-3226	446	4	a.	a.	PROPN
fsr-3226	446	5	,	,	PUNCT
fsr-3226	446	6	babiarz	babiarz	PROPN
fsr-3226	446	7	,	,	PUNCT
fsr-3226	446	8	p.	p.	NOUN
fsr-3226	446	9	,	,	PUNCT
fsr-3226	446	10	&	&	CCONJ
fsr-3226	446	11	woodyard	woodyard	PROPN
fsr-3226	446	12	,	,	PUNCT
fsr-3226	446	13	a.	a.	NOUN
fsr-3226	446	14	(	(	PUNCT
fsr-3226	446	15	2012	2012	NUM
fsr-3226	446	16	)	)	PUNCT
fsr-3226	446	17	.	.	PUNCT
fsr-3226	447	1	the	the	DET
fsr-3226	447	2	demand	demand	NOUN
fsr-3226	447	3	for	for	ADP
fsr-3226	447	4	financial	financial	ADJ
fsr-3226	447	5	professionals	professional	NOUN
fsr-3226	447	6	’	'	PUNCT
fsr-3226	447	7	advice	advice	NOUN
fsr-3226	447	8	:	:	PUNCT
fsr-3226	447	9	the	the	DET
fsr-3226	447	10	role	role	NOUN
fsr-3226	447	11	of	of	ADP
fsr-3226	447	12	financial	financial	ADJ
fsr-3226	447	13	knowledge	knowledge	NOUN
fsr-3226	447	14	,	,	PUNCT
fsr-3226	447	15	satisfaction	satisfaction	NOUN
fsr-3226	447	16	,	,	PUNCT
fsr-3226	447	17	and	and	CCONJ
fsr-3226	447	18	confidence	confidence	NOUN
fsr-3226	447	19	.	.	PUNCT
fsr-3226	448	1	financial	financial	ADJ
fsr-3226	448	2	services	service	NOUN
fsr-3226	448	3	review	review	PROPN
fsr-3226	448	4	,	,	PUNCT
fsr-3226	448	5	21	21	NUM
fsr-3226	448	6	,	,	PUNCT
fsr-3226	448	7	291–305	291–305	NUM
fsr-3226	448	8	.	.	PUNCT
fsr-3226	449	1	robb	robb	NOUN
fsr-3226	449	2	,	,	PUNCT
fsr-3226	449	3	c.	c.	PROPN
fsr-3226	449	4	,	,	PUNCT
fsr-3226	449	5	babiarz	babiarz	PROPN
fsr-3226	449	6	,	,	PUNCT
fsr-3226	449	7	p.	p.	PROPN
fsr-3226	449	8	,	,	PUNCT
fsr-3226	449	9	woodyard	woodyard	PROPN
fsr-3226	449	10	,	,	PUNCT
fsr-3226	449	11	a.	a.	PROPN
fsr-3226	449	12	,	,	PUNCT
fsr-3226	449	13	&	&	CCONJ
fsr-3226	449	14	seay	seay	ADJ
fsr-3226	449	15	,	,	PUNCT
fsr-3226	449	16	m.	m.	NOUN
fsr-3226	449	17	c.	c.	PROPN
fsr-3226	449	18	(	(	PUNCT
fsr-3226	449	19	2015	2015	NUM
fsr-3226	449	20	)	)	PUNCT
fsr-3226	449	21	.	.	PUNCT
fsr-3226	450	1	bounded	bound	VERB
fsr-3226	450	2	rationality	rationality	NOUN
fsr-3226	450	3	and	and	CCONJ
fsr-3226	450	4	the	the	DET
fsr-3226	450	5	use	use	NOUN
fsr-3226	450	6	of	of	ADP
fsr-3226	450	7	alternative	alternative	ADJ
fsr-3226	450	8	financial	financial	ADJ
fsr-3226	450	9	services	service	NOUN
fsr-3226	450	10	.	.	PUNCT
fsr-3226	451	1	journal	journal	NOUN
fsr-3226	451	2	of	of	ADP
fsr-3226	451	3	consumer	consumer	NOUN
fsr-3226	451	4	affairs	affair	NOUN
fsr-3226	451	5	,	,	PUNCT
fsr-3226	451	6	49	49	NUM
fsr-3226	451	7	,	,	PUNCT
fsr-3226	451	8	407–435	407–435	NUM
fsr-3226	451	9	.	.	PUNCT
fsr-3226	452	1	doi:10.1111	doi:10.1111	ADJ
fsr-3226	452	2	/	/	SYM
fsr-3226	452	3	joca.12071	joca.12071	PROPN
fsr-3226	452	4	.	.	PUNCT
fsr-3226	452	5	robb	robb	PROPN
fsr-3226	452	6	,	,	PUNCT
fsr-3226	452	7	c.	c.	PROPN
fsr-3226	452	8	a.	a.	PROPN
fsr-3226	452	9	,	,	PUNCT
fsr-3226	452	10	&	&	CCONJ
fsr-3226	452	11	woodyard	woodyard	PROPN
fsr-3226	452	12	,	,	PUNCT
fsr-3226	452	13	a.	a.	PROPN
fsr-3226	452	14	s.	s.	PROPN
fsr-3226	452	15	(	(	PUNCT
fsr-3226	452	16	2011	2011	NUM
fsr-3226	452	17	)	)	PUNCT
fsr-3226	452	18	.	.	PUNCT
fsr-3226	453	1	financial	financial	ADJ
fsr-3226	453	2	knowledge	knowledge	NOUN
fsr-3226	453	3	and	and	CCONJ
fsr-3226	453	4	“	"	PUNCT
fsr-3226	453	5	best	good	ADJ
fsr-3226	453	6	practice	practice	NOUN
fsr-3226	453	7	”	"	PUNCT
fsr-3226	453	8	behavior	behavior	NOUN
fsr-3226	453	9	.	.	PUNCT
fsr-3226	454	1	journal	journal	PROPN
fsr-3226	454	2	of	of	ADP
fsr-3226	454	3	financial	financial	ADJ
fsr-3226	454	4	counseling	counseling	NOUN
fsr-3226	454	5	and	and	CCONJ
fsr-3226	454	6	planning	planning	NOUN
fsr-3226	454	7	,	,	PUNCT
fsr-3226	454	8	22	22	NUM
fsr-3226	454	9	,	,	PUNCT
fsr-3226	454	10	36–46	36–46	NUM
fsr-3226	454	11	.	.	PUNCT
fsr-3226	455	1	rotter	rotter	PROPN
fsr-3226	455	2	,	,	PUNCT
fsr-3226	455	3	j.	j.	PROPN
fsr-3226	455	4	b.	b.	PROPN
fsr-3226	455	5	(	(	PUNCT
fsr-3226	455	6	1966	1966	NUM
fsr-3226	455	7	)	)	PUNCT
fsr-3226	455	8	.	.	PUNCT
fsr-3226	456	1	generalized	generalized	ADJ
fsr-3226	456	2	expectancies	expectancy	NOUN
fsr-3226	456	3	for	for	ADP
fsr-3226	456	4	internal	internal	ADJ
fsr-3226	456	5	versus	versus	ADP
fsr-3226	456	6	external	external	ADJ
fsr-3226	456	7	control	control	NOUN
fsr-3226	456	8	of	of	ADP
fsr-3226	456	9	reinforcement	reinforcement	NOUN
fsr-3226	456	10	.	.	PUNCT
fsr-3226	457	1	psychological	psychological	ADJ
fsr-3226	457	2	monographs	monograph	NOUN
fsr-3226	457	3	:	:	PUNCT
fsr-3226	457	4	general	general	ADJ
fsr-3226	457	5	and	and	CCONJ
fsr-3226	457	6	applied	apply	VERB
fsr-3226	457	7	,	,	PUNCT
fsr-3226	457	8	80	80	NUM
fsr-3226	457	9	,	,	PUNCT
fsr-3226	457	10	1–28	1–28	NOUN
fsr-3226	457	11	.	.	PUNCT
fsr-3226	458	1	rotter	rotter	PROPN
fsr-3226	458	2	j.b	j.b	PROPN
fsr-3226	458	3	.	.	PUNCT
fsr-3226	459	1	(	(	PUNCT
fsr-3226	459	2	1990	1990	NUM
fsr-3226	459	3	)	)	PUNCT
fsr-3226	459	4	.	.	PUNCT
fsr-3226	460	1	internal	internal	ADJ
fsr-3226	460	2	versus	versus	ADP
fsr-3226	460	3	external	external	ADJ
fsr-3226	460	4	control	control	NOUN
fsr-3226	460	5	of	of	ADP
fsr-3226	460	6	reinforcement	reinforcement	NOUN
fsr-3226	460	7	:	:	PUNCT
fsr-3226	460	8	a	a	DET
fsr-3226	460	9	case	case	NOUN
fsr-3226	460	10	history	history	NOUN
fsr-3226	460	11	of	of	ADP
fsr-3226	460	12	a	a	DET
fsr-3226	460	13	variable	variable	NOUN
fsr-3226	460	14	.	.	PUNCT
fsr-3226	461	1	american	american	ADJ
fsr-3226	461	2	psychologist	psychologist	NOUN
fsr-3226	461	3	,	,	PUNCT
fsr-3226	461	4	45	45	NUM
fsr-3226	461	5	,	,	PUNCT
fsr-3226	461	6	490–493	490–493	NUM
fsr-3226	461	7	.	.	PUNCT
fsr-3226	462	1	doi:10.1037/0003	doi:10.1037/0003	NOUN
fsr-3226	462	2	-	-	PUNCT
fsr-3226	462	3	066x.45.4.489	066x.45.4.489	NOUN
fsr-3226	462	4	.	.	PUNCT
fsr-3226	463	1	seay	seay	PROPN
fsr-3226	463	2	,	,	PUNCT
fsr-3226	463	3	m.	m.	PROPN
fsr-3226	463	4	c.	c.	PROPN
fsr-3226	463	5	,	,	PUNCT
fsr-3226	463	6	asebedo	asebedo	PROPN
fsr-3226	463	7	,	,	PUNCT
fsr-3226	463	8	s.	s.	PROPN
fsr-3226	463	9	,	,	PUNCT
fsr-3226	463	10	thompson	thompson	PROPN
fsr-3226	463	11	,	,	PUNCT
fsr-3226	463	12	c.	c.	NOUN
fsr-3226	463	13	,	,	PUNCT
fsr-3226	463	14	stueve	stueve	ADJ
fsr-3226	463	15	,	,	PUNCT
fsr-3226	463	16	c.	c.	PROPN
fsr-3226	463	17	,	,	PUNCT
fsr-3226	463	18	&	&	CCONJ
fsr-3226	463	19	russi	russi	PROPN
fsr-3226	463	20	,	,	PUNCT
fsr-3226	463	21	r.	r.	PROPN
fsr-3226	463	22	(	(	PUNCT
fsr-3226	463	23	2015	2015	NUM
fsr-3226	463	24	)	)	PUNCT
fsr-3226	463	25	.	.	PUNCT
fsr-3226	464	1	mortgage	mortgage	NOUN
fsr-3226	464	2	holding	holding	NOUN
fsr-3226	464	3	and	and	CCONJ
fsr-3226	464	4	financial	financial	ADJ
fsr-3226	464	5	satisfaction	satisfaction	NOUN
fsr-3226	464	6	in	in	ADP
fsr-3226	464	7	retirement	retirement	NOUN
fsr-3226	464	8	.	.	PUNCT
fsr-3226	465	1	journal	journal	PROPN
fsr-3226	465	2	of	of	ADP
fsr-3226	465	3	financial	financial	ADJ
fsr-3226	465	4	counseling	counseling	NOUN
fsr-3226	465	5	and	and	CCONJ
fsr-3226	465	6	planning	planning	NOUN
fsr-3226	465	7	,	,	PUNCT
fsr-3226	465	8	26	26	NUM
fsr-3226	465	9	,	,	PUNCT
fsr-3226	465	10	200–216	200–216	NUM
fsr-3226	465	11	.	.	PUNCT
fsr-3226	466	1	smith	smith	PROPN
fsr-3226	466	2	,	,	PUNCT
fsr-3226	466	3	h.	h.	PROPN
fsr-3226	466	4	,	,	PUNCT
fsr-3226	466	5	finke	finke	PROPN
fsr-3226	466	6	,	,	PUNCT
fsr-3226	466	7	m.	m.	NOUN
fsr-3226	466	8	s.	s.	PROPN
fsr-3226	466	9	,	,	PUNCT
fsr-3226	466	10	&	&	CCONJ
fsr-3226	466	11	huston	huston	PROPN
fsr-3226	466	12	,	,	PUNCT
fsr-3226	466	13	s.	s.	PROPN
fsr-3226	466	14	j.	j.	PROPN
fsr-3226	466	15	(	(	PUNCT
fsr-3226	466	16	2011	2011	NUM
fsr-3226	466	17	)	)	PUNCT
fsr-3226	466	18	.	.	PUNCT
fsr-3226	467	1	the	the	DET
fsr-3226	467	2	impact	impact	NOUN
fsr-3226	467	3	of	of	ADP
fsr-3226	467	4	financial	financial	ADJ
fsr-3226	467	5	sophistication	sophistication	NOUN
fsr-3226	467	6	on	on	ADP
fsr-3226	467	7	adjustable	adjustable	ADJ
fsr-3226	467	8	rate	rate	NOUN
fsr-3226	467	9	mortgage	mortgage	NOUN
fsr-3226	467	10	ownership	ownership	NOUN
fsr-3226	467	11	.	.	PUNCT
fsr-3226	468	1	journal	journal	NOUN
fsr-3226	468	2	of	of	ADP
fsr-3226	468	3	financial	financial	ADJ
fsr-3226	468	4	counseling	counseling	NOUN
fsr-3226	468	5	and	and	CCONJ
fsr-3226	468	6	planning	planning	NOUN
fsr-3226	468	7	,	,	PUNCT
fsr-3226	468	8	22	22	NUM
fsr-3226	468	9	,	,	PUNCT
fsr-3226	468	10	3–15	3–15	PROPN
fsr-3226	468	11	.	.	PUNCT
fsr-3226	469	1	smith	smith	PROPN
fsr-3226	469	2	,	,	PUNCT
fsr-3226	469	3	h.	h.	PROPN
fsr-3226	469	4	l.	l.	PROPN
fsr-3226	469	5	,	,	PUNCT
fsr-3226	469	6	finke	finke	PROPN
fsr-3226	469	7	,	,	PUNCT
fsr-3226	469	8	m.	m.	NOUN
fsr-3226	469	9	s.	s.	PROPN
fsr-3226	469	10	,	,	PUNCT
fsr-3226	469	11	&	&	CCONJ
fsr-3226	469	12	huston	huston	PROPN
fsr-3226	469	13	,	,	PUNCT
fsr-3226	469	14	s.	s.	PROPN
fsr-3226	469	15	(	(	PUNCT
fsr-3226	469	16	2012	2012	NUM
fsr-3226	469	17	)	)	PUNCT
fsr-3226	469	18	.	.	PUNCT
fsr-3226	470	1	financial	financial	ADJ
fsr-3226	470	2	sophistication	sophistication	NOUN
fsr-3226	470	3	and	and	CCONJ
fsr-3226	470	4	housing	housing	NOUN
fsr-3226	470	5	leverage	leverage	NOUN
fsr-3226	470	6	among	among	ADP
fsr-3226	470	7	older	old	ADJ
fsr-3226	470	8	households	household	NOUN
fsr-3226	470	9	.	.	PUNCT
fsr-3226	471	1	journal	journal	NOUN
fsr-3226	471	2	of	of	ADP
fsr-3226	471	3	family	family	NOUN
fsr-3226	471	4	and	and	CCONJ
fsr-3226	471	5	economic	economic	ADJ
fsr-3226	471	6	issues	issue	NOUN
fsr-3226	471	7	,	,	PUNCT
fsr-3226	471	8	33	33	NUM
fsr-3226	471	9	,	,	PUNCT
fsr-3226	471	10	315–327	315–327	NUM
fsr-3226	471	11	.	.	PUNCT
fsr-3226	472	1	van	van	PROPN
fsr-3226	472	2	rooij	rooij	NOUN
fsr-3226	472	3	,	,	PUNCT
fsr-3226	472	4	m.	m.	NOUN
fsr-3226	472	5	,	,	PUNCT
fsr-3226	472	6	lusardi	lusardi	PROPN
fsr-3226	472	7	,	,	PUNCT
fsr-3226	472	8	a.	a.	NOUN
fsr-3226	472	9	,	,	PUNCT
fsr-3226	472	10	&	&	CCONJ
fsr-3226	472	11	alessie	alessie	PROPN
fsr-3226	472	12	,	,	PUNCT
fsr-3226	472	13	r.	r.	PROPN
fsr-3226	472	14	(	(	PUNCT
fsr-3226	472	15	2011	2011	NUM
fsr-3226	472	16	)	)	PUNCT
fsr-3226	472	17	.	.	PUNCT
fsr-3226	473	1	financial	financial	ADJ
fsr-3226	473	2	literacy	literacy	NOUN
fsr-3226	473	3	and	and	CCONJ
fsr-3226	473	4	retirement	retirement	NOUN
fsr-3226	473	5	planning	planning	NOUN
fsr-3226	473	6	in	in	ADP
fsr-3226	473	7	the	the	DET
fsr-3226	473	8	netherlands	netherlands	PROPN
fsr-3226	473	9	.	.	PUNCT
fsr-3226	474	1	journal	journal	PROPN
fsr-3226	474	2	of	of	ADP
fsr-3226	474	3	economic	economic	ADJ
fsr-3226	474	4	psychology	psychology	NOUN
fsr-3226	474	5	,	,	PUNCT
fsr-3226	474	6	32	32	NUM
fsr-3226	474	7	,	,	PUNCT
fsr-3226	474	8	593–608	593–608	NUM
fsr-3226	474	9	.	.	PUNCT
fsr-3226	475	1	xiao	xiao	PROPN
fsr-3226	475	2	,	,	PUNCT
fsr-3226	475	3	j.	j.	PROPN
fsr-3226	475	4	,	,	PUNCT
fsr-3226	475	5	tang	tang	PROPN
fsr-3226	475	6	,	,	PUNCT
fsr-3226	475	7	c.	c.	PROPN
fsr-3226	475	8	,	,	PUNCT
fsr-3226	475	9	serido	serido	PRON
fsr-3226	475	10	,	,	PUNCT
fsr-3226	475	11	j.	j.	PROPN
fsr-3226	475	12	,	,	PUNCT
fsr-3226	475	13	&	&	CCONJ
fsr-3226	475	14	shim	shim	NOUN
fsr-3226	475	15	,	,	PUNCT
fsr-3226	475	16	s.	s.	PROPN
fsr-3226	475	17	(	(	PUNCT
fsr-3226	475	18	2011	2011	NUM
fsr-3226	475	19	)	)	PUNCT
fsr-3226	475	20	.	.	PUNCT
fsr-3226	476	1	antecedents	antecedent	NOUN
fsr-3226	476	2	and	and	CCONJ
fsr-3226	476	3	consequences	consequence	NOUN
fsr-3226	476	4	of	of	ADP
fsr-3226	476	5	risky	risky	ADJ
fsr-3226	476	6	credit	credit	NOUN
fsr-3226	476	7	behavior	behavior	NOUN
fsr-3226	476	8	among	among	ADP
fsr-3226	476	9	college	college	NOUN
fsr-3226	476	10	students	student	NOUN
fsr-3226	476	11	:	:	PUNCT
fsr-3226	476	12	application	application	NOUN
fsr-3226	476	13	and	and	CCONJ
fsr-3226	476	14	extension	extension	NOUN
fsr-3226	476	15	of	of	ADP
fsr-3226	476	16	the	the	DET
fsr-3226	476	17	theory	theory	NOUN
fsr-3226	476	18	of	of	ADP
fsr-3226	476	19	planned	plan	VERB
fsr-3226	476	20	behavior	behavior	NOUN
fsr-3226	476	21	.	.	PUNCT
fsr-3226	477	1	journal	journal	PROPN
fsr-3226	477	2	of	of	ADP
fsr-3226	477	3	public	public	ADJ
fsr-3226	477	4	policy	policy	NOUN
fsr-3226	477	5	&	&	CCONJ
fsr-3226	477	6	marketing	marketing	NOUN
fsr-3226	477	7	,	,	PUNCT
fsr-3226	477	8	30	30	NUM
fsr-3226	477	9	,	,	PUNCT
fsr-3226	477	10	239–245	239–245	NUM
fsr-3226	477	11	.	.	PUNCT
fsr-3226	478	1	350	350	NUM
fsr-3226	478	2	m.c	m.c	PROPN
fsr-3226	478	3	.	.	PROPN
fsr-3226	478	4	seay	seay	PROPN
fsr-3226	478	5	et	et	PROPN
fsr-3226	478	6	al	al	PROPN
fsr-3226	478	7	.	.	PUNCT
fsr-3226	478	8	/	/	SYM
fsr-3226	478	9	financial	financial	ADJ
fsr-3226	478	10	services	service	NOUN
fsr-3226	478	11	review	review	VERB
fsr-3226	478	12	25	25	NUM
fsr-3226	478	13	(	(	PUNCT
fsr-3226	478	14	2016	2016	NUM
fsr-3226	478	15	)	)	PUNCT
fsr-3226	479	1	331–350	331–350	NUM