id	sid	tid	token	lemma	pos
fsr-3227	1	1	college	college	NOUN
fsr-3227	1	2	student	student	NOUN
fsr-3227	1	3	interest	interest	NOUN
fsr-3227	1	4	in	in	ADP
fsr-3227	1	5	personal	personal	ADJ
fsr-3227	1	6	finance	finance	NOUN
fsr-3227	1	7	education	education	NOUN
fsr-3227	1	8	christine	christine	PROPN
fsr-3227	1	9	harrington	harrington	PROPN
fsr-3227	1	10	,	,	PUNCT
fsr-3227	1	11	ph.d.a	ph.d.a	PROPN
fsr-3227	1	12	,	,	PUNCT
fsr-3227	1	13	*	*	PUNCT
fsr-3227	1	14	,	,	PUNCT
fsr-3227	1	15	walter	walter	PROPN
fsr-3227	1	16	smith	smith	PROPN
fsr-3227	1	17	,	,	PUNCT
fsr-3227	1	18	ph.d.b	ph.d.b	NOUN
fsr-3227	1	19	aassistant	aassistant	NOUN
fsr-3227	1	20	professor	professor	NOUN
fsr-3227	1	21	of	of	ADP
fsr-3227	1	22	finance	finance	NOUN
fsr-3227	1	23	,	,	PUNCT
fsr-3227	1	24	department	department	NOUN
fsr-3227	1	25	of	of	ADP
fsr-3227	1	26	business	business	PROPN
fsr-3227	1	27	administration	administration	PROPN
fsr-3227	1	28	,	,	PUNCT
fsr-3227	1	29	college	college	NOUN
fsr-3227	1	30	of	of	ADP
fsr-3227	1	31	business	business	NOUN
fsr-3227	1	32	,	,	PUNCT
fsr-3227	1	33	auburn	auburn	NOUN
fsr-3227	1	34	university	university	PROPN
fsr-3227	1	35	at	at	ADP
fsr-3227	1	36	montgomery	montgomery	PROPN
fsr-3227	1	37	,	,	PUNCT
fsr-3227	1	38	p.o	p.o	PROPN
fsr-3227	1	39	.	.	PROPN
fsr-3227	1	40	box	box	PROPN
fsr-3227	1	41	244023	244023	NUM
fsr-3227	1	42	,	,	PUNCT
fsr-3227	1	43	montgomery	montgomery	PROPN
fsr-3227	1	44	,	,	PUNCT
fsr-3227	1	45	al	al	PROPN
fsr-3227	1	46	36124	36124	NUM
fsr-3227	1	47	-	-	SYM
fsr-3227	1	48	4023	4023	NUM
fsr-3227	1	49	,	,	PUNCT
fsr-3227	1	50	usa	usa	PROPN
fsr-3227	1	51	bassociate	bassociate	NOUN
fsr-3227	1	52	professor	professor	NOUN
fsr-3227	1	53	of	of	ADP
fsr-3227	1	54	accounting	accounting	NOUN
fsr-3227	1	55	,	,	PUNCT
fsr-3227	1	56	school	school	NOUN
fsr-3227	1	57	of	of	ADP
fsr-3227	1	58	accountancy	accountancy	NOUN
fsr-3227	1	59	,	,	PUNCT
fsr-3227	1	60	college	college	NOUN
fsr-3227	1	61	of	of	ADP
fsr-3227	1	62	business	business	NOUN
fsr-3227	1	63	,	,	PUNCT
fsr-3227	1	64	auburn	auburn	NOUN
fsr-3227	1	65	university	university	PROPN
fsr-3227	1	66	at	at	ADP
fsr-3227	1	67	montgomery	montgomery	PROPN
fsr-3227	1	68	,	,	PUNCT
fsr-3227	1	69	p.o	p.o	PROPN
fsr-3227	1	70	.	.	PROPN
fsr-3227	1	71	box	box	PROPN
fsr-3227	1	72	244023	244023	NUM
fsr-3227	1	73	,	,	PUNCT
fsr-3227	1	74	montgomery	montgomery	PROPN
fsr-3227	1	75	,	,	PUNCT
fsr-3227	1	76	al	al	PROPN
fsr-3227	1	77	36124	36124	NUM
fsr-3227	1	78	-	-	SYM
fsr-3227	1	79	4023	4023	NUM
fsr-3227	1	80	,	,	PUNCT
fsr-3227	1	81	usa	usa	PROPN
fsr-3227	1	82	abstract	abstract	NOUN
fsr-3227	1	83	this	this	DET
fsr-3227	1	84	study	study	NOUN
fsr-3227	1	85	investigates	investigate	VERB
fsr-3227	1	86	demand	demand	NOUN
fsr-3227	1	87	for	for	ADP
fsr-3227	1	88	investing	invest	VERB
fsr-3227	1	89	in	in	ADP
fsr-3227	1	90	financial	financial	ADJ
fsr-3227	1	91	literacy	literacy	NOUN
fsr-3227	1	92	while	while	SCONJ
fsr-3227	1	93	in	in	ADP
fsr-3227	1	94	college	college	NOUN
fsr-3227	1	95	using	use	VERB
fsr-3227	1	96	survey	survey	NOUN
fsr-3227	1	97	responses	response	NOUN
fsr-3227	1	98	from	from	ADP
fsr-3227	1	99	a	a	DET
fsr-3227	1	100	cross	cross	NOUN
fsr-3227	1	101	-	-	NOUN
fsr-3227	1	102	section	section	NOUN
fsr-3227	1	103	of	of	ADP
fsr-3227	1	104	students	student	NOUN
fsr-3227	1	105	at	at	ADP
fsr-3227	1	106	a	a	DET
fsr-3227	1	107	medium	medium	ADJ
fsr-3227	1	108	-	-	PUNCT
fsr-3227	1	109	size	size	NOUN
fsr-3227	1	110	,	,	PUNCT
fsr-3227	1	111	private	private	ADJ
fsr-3227	1	112	university	university	NOUN
fsr-3227	1	113	.	.	PUNCT
fsr-3227	2	1	results	result	NOUN
fsr-3227	2	2	indicate	indicate	VERB
fsr-3227	2	3	that	that	PRON
fsr-3227	2	4	student	student	NOUN
fsr-3227	2	5	interest	interest	NOUN
fsr-3227	2	6	in	in	ADP
fsr-3227	2	7	personal	personal	ADJ
fsr-3227	2	8	finance	finance	NOUN
fsr-3227	2	9	education	education	NOUN
fsr-3227	2	10	is	be	AUX
fsr-3227	2	11	largely	largely	ADV
fsr-3227	2	12	a	a	DET
fsr-3227	2	13	function	function	NOUN
fsr-3227	2	14	of	of	ADP
fsr-3227	2	15	perceived	perceive	VERB
fsr-3227	2	16	return	return	NOUN
fsr-3227	2	17	,	,	PUNCT
fsr-3227	2	18	time	time	NOUN
fsr-3227	2	19	cost	cost	NOUN
fsr-3227	2	20	,	,	PUNCT
fsr-3227	2	21	financial	financial	ADJ
fsr-3227	2	22	independence	independence	NOUN
fsr-3227	2	23	,	,	PUNCT
fsr-3227	2	24	and	and	CCONJ
fsr-3227	2	25	gender	gender	NOUN
fsr-3227	2	26	where	where	SCONJ
fsr-3227	2	27	female	female	ADJ
fsr-3227	2	28	students	student	NOUN
fsr-3227	2	29	have	have	VERB
fsr-3227	2	30	relatively	relatively	ADV
fsr-3227	2	31	more	more	ADJ
fsr-3227	2	32	interest	interest	NOUN
fsr-3227	2	33	.	.	PUNCT
fsr-3227	3	1	income	income	NOUN
fsr-3227	3	2	,	,	PUNCT
fsr-3227	3	3	patience	patience	NOUN
fsr-3227	3	4	in	in	ADP
fsr-3227	3	5	consumption	consumption	NOUN
fsr-3227	3	6	,	,	PUNCT
fsr-3227	3	7	credit	credit	NOUN
fsr-3227	3	8	experience	experience	NOUN
fsr-3227	3	9	,	,	PUNCT
fsr-3227	3	10	numerical	numerical	ADJ
fsr-3227	3	11	ability	ability	NOUN
fsr-3227	3	12	,	,	PUNCT
fsr-3227	3	13	and	and	CCONJ
fsr-3227	3	14	other	other	ADJ
fsr-3227	3	15	factors	factor	NOUN
fsr-3227	3	16	are	be	AUX
fsr-3227	3	17	not	not	PART
fsr-3227	3	18	consistently	consistently	ADV
fsr-3227	3	19	significant	significant	ADJ
fsr-3227	3	20	to	to	PART
fsr-3227	3	21	demand	demand	VERB
fsr-3227	3	22	.	.	PUNCT
fsr-3227	4	1	the	the	DET
fsr-3227	4	2	results	result	NOUN
fsr-3227	4	3	support	support	VERB
fsr-3227	4	4	offering	offer	VERB
fsr-3227	4	5	learning	learn	VERB
fsr-3227	4	6	opportunities	opportunity	NOUN
fsr-3227	4	7	for	for	ADP
fsr-3227	4	8	individual	individual	ADJ
fsr-3227	4	9	personal	personal	ADJ
fsr-3227	4	10	finance	finance	NOUN
fsr-3227	4	11	topics	topic	NOUN
fsr-3227	4	12	in	in	ADP
fsr-3227	4	13	addition	addition	NOUN
fsr-3227	4	14	to	to	ADP
fsr-3227	4	15	a	a	DET
fsr-3227	4	16	personal	personal	ADJ
fsr-3227	4	17	finance	finance	NOUN
fsr-3227	4	18	course	course	NOUN
fsr-3227	4	19	.	.	PUNCT
fsr-3227	5	1	©	©	PROPN
fsr-3227	5	2	2016	2016	NUM
fsr-3227	5	3	academy	academy	NOUN
fsr-3227	5	4	of	of	ADP
fsr-3227	5	5	financial	financial	ADJ
fsr-3227	5	6	services	service	NOUN
fsr-3227	5	7	.	.	PUNCT
fsr-3227	6	1	all	all	DET
fsr-3227	6	2	rights	right	NOUN
fsr-3227	6	3	reserved	reserve	VERB
fsr-3227	6	4	.	.	PUNCT
fsr-3227	7	1	jel	jel	PROPN
fsr-3227	7	2	classification	classification	NOUN
fsr-3227	7	3	:	:	PUNCT
fsr-3227	7	4	d1	d1	NOUN
fsr-3227	7	5	;	;	PUNCT
fsr-3227	7	6	i2	i2	NOUN
fsr-3227	7	7	keywords	keyword	NOUN
fsr-3227	7	8	:	:	PUNCT
fsr-3227	7	9	college	college	NOUN
fsr-3227	7	10	student	student	NOUN
fsr-3227	7	11	;	;	PUNCT
fsr-3227	7	12	demand	demand	NOUN
fsr-3227	7	13	;	;	PUNCT
fsr-3227	7	14	personal	personal	ADJ
fsr-3227	7	15	finance	finance	NOUN
fsr-3227	7	16	education	education	NOUN
fsr-3227	7	17	;	;	PUNCT
fsr-3227	7	18	financial	financial	ADJ
fsr-3227	7	19	literacy	literacy	NOUN
fsr-3227	7	20	1	1	NUM
fsr-3227	7	21	.	.	PUNCT
fsr-3227	8	1	introduction	introduction	NOUN
fsr-3227	8	2	financial	financial	ADJ
fsr-3227	8	3	education	education	NOUN
fsr-3227	8	4	has	have	AUX
fsr-3227	8	5	long	long	ADV
fsr-3227	8	6	been	be	AUX
fsr-3227	8	7	thought	think	VERB
fsr-3227	8	8	to	to	PART
fsr-3227	8	9	improve	improve	VERB
fsr-3227	8	10	financial	financial	ADJ
fsr-3227	8	11	outcomes	outcome	NOUN
fsr-3227	8	12	.	.	PUNCT
fsr-3227	9	1	efforts	effort	NOUN
fsr-3227	9	2	to	to	PART
fsr-3227	9	3	educate	educate	VERB
fsr-3227	9	4	u.s	u.s	PROPN
fsr-3227	9	5	.	.	PROPN
fsr-3227	9	6	youth	youth	NOUN
fsr-3227	9	7	in	in	ADP
fsr-3227	9	8	primary	primary	ADJ
fsr-3227	9	9	and	and	CCONJ
fsr-3227	9	10	secondary	secondary	ADJ
fsr-3227	9	11	schools	school	NOUN
fsr-3227	9	12	resurged	resurge	VERB
fsr-3227	9	13	in	in	ADP
fsr-3227	9	14	the	the	DET
fsr-3227	9	15	1970s	1970	NOUN
fsr-3227	9	16	after	after	ADP
fsr-3227	9	17	falling	fall	VERB
fsr-3227	9	18	out	out	ADP
fsr-3227	9	19	of	of	ADP
fsr-3227	9	20	favor	favor	NOUN
fsr-3227	9	21	(	(	PUNCT
fsr-3227	9	22	e.g.	e.g.	ADV
fsr-3227	9	23	,	,	PUNCT
fsr-3227	9	24	bernheim	bernheim	PROPN
fsr-3227	9	25	,	,	PUNCT
fsr-3227	9	26	garrett	garrett	PROPN
fsr-3227	9	27	,	,	PUNCT
fsr-3227	9	28	and	and	CCONJ
fsr-3227	9	29	maki	maki	NOUN
fsr-3227	9	30	,	,	PUNCT
fsr-3227	9	31	2001	2001	NUM
fsr-3227	9	32	)	)	PUNCT
fsr-3227	9	33	.	.	PUNCT
fsr-3227	10	1	however	however	ADV
fsr-3227	10	2	,	,	PUNCT
fsr-3227	10	3	u.s	u.s	PROPN
fsr-3227	10	4	.	.	PROPN
fsr-3227	10	5	state	state	NOUN
fsr-3227	10	6	-	-	PUNCT
fsr-3227	10	7	mandated	mandate	VERB
fsr-3227	10	8	personal	personal	ADJ
fsr-3227	10	9	finance	finance	NOUN
fsr-3227	10	10	education	education	NOUN
fsr-3227	10	11	in	in	ADP
fsr-3227	10	12	grades	grade	NOUN
fsr-3227	10	13	k-12	k-12	PROPN
fsr-3227	10	14	is	be	AUX
fsr-3227	10	15	unevenly	unevenly	ADV
fsr-3227	10	16	applied	apply	VERB
fsr-3227	10	17	(	(	PUNCT
fsr-3227	10	18	council	council	NOUN
fsr-3227	10	19	for	for	ADP
fsr-3227	10	20	economic	economic	ADJ
fsr-3227	10	21	education	education	NOUN
fsr-3227	10	22	,	,	PUNCT
fsr-3227	10	23	2014	2014	NUM
fsr-3227	10	24	)	)	PUNCT
fsr-3227	10	25	,	,	PUNCT
fsr-3227	10	26	and	and	CCONJ
fsr-3227	10	27	its	its	PRON
fsr-3227	10	28	efficacy	efficacy	NOUN
fsr-3227	10	29	on	on	ADP
fsr-3227	10	30	financial	financial	ADJ
fsr-3227	10	31	outcomes	outcome	NOUN
fsr-3227	10	32	is	be	AUX
fsr-3227	10	33	mixed	mixed	ADJ
fsr-3227	10	34	(	(	PUNCT
fsr-3227	10	35	e.g.	e.g.	ADV
fsr-3227	10	36	,	,	PUNCT
fsr-3227	10	37	hastings	hastings	PROPN
fsr-3227	10	38	,	,	PUNCT
fsr-3227	10	39	madrian	madrian	NOUN
fsr-3227	10	40	,	,	PUNCT
fsr-3227	10	41	and	and	CCONJ
fsr-3227	10	42	skimmyhorn	skimmyhorn	VERB
fsr-3227	10	43	,	,	PUNCT
fsr-3227	10	44	2013	2013	NUM
fsr-3227	10	45	)	)	PUNCT
fsr-3227	10	46	.	.	PUNCT
fsr-3227	11	1	*	*	PUNCT
fsr-3227	11	2	corresponding	correspond	VERB
fsr-3227	11	3	author	author	NOUN
fsr-3227	11	4	.	.	PUNCT
fsr-3227	12	1	tel	tel	PROPN
fsr-3227	12	2	.	.	PUNCT
fsr-3227	12	3	:	:	PUNCT
fsr-3227	13	1	�	�	PROPN
fsr-3227	13	2	1	1	NUM
fsr-3227	13	3	-	-	PUNCT
fsr-3227	13	4	334	334	NUM
fsr-3227	13	5	-	-	PUNCT
fsr-3227	13	6	244	244	NUM
fsr-3227	13	7	-	-	PUNCT
fsr-3227	13	8	3513	3513	NUM
fsr-3227	13	9	;	;	PUNCT
fsr-3227	13	10	fax	fax	NOUN
fsr-3227	13	11	:	:	PUNCT
fsr-3227	13	12	�	�	PROPN
fsr-3227	13	13	1	1	NUM
fsr-3227	13	14	-	-	PUNCT
fsr-3227	13	15	334	334	NUM
fsr-3227	13	16	-	-	PUNCT
fsr-3227	13	17	244	244	NUM
fsr-3227	13	18	-	-	PUNCT
fsr-3227	13	19	3792	3792	NUM
fsr-3227	13	20	.	.	PUNCT
fsr-3227	14	1	e	e	X
fsr-3227	14	2	-	-	NOUN
fsr-3227	14	3	mail	mail	NOUN
fsr-3227	14	4	address	address	NOUN
fsr-3227	14	5	:	:	PUNCT
fsr-3227	14	6	charrin1@aum.edu	charrin1@aum.edu	PROPN
fsr-3227	14	7	(	(	PUNCT
fsr-3227	14	8	c.	c.	PROPN
fsr-3227	14	9	harrington	harrington	PROPN
fsr-3227	14	10	)	)	PUNCT
fsr-3227	14	11	financial	financial	ADJ
fsr-3227	14	12	services	service	NOUN
fsr-3227	14	13	review	review	VERB
fsr-3227	14	14	25	25	NUM
fsr-3227	14	15	(	(	PUNCT
fsr-3227	14	16	2016	2016	NUM
fsr-3227	14	17	)	)	PUNCT
fsr-3227	15	1	351–372	351–372	NUM
fsr-3227	15	2	1057	1057	NUM
fsr-3227	15	3	-	-	SYM
fsr-3227	15	4	0810/16/$	0810/16/$	ADV
fsr-3227	15	5	–	–	PUNCT
fsr-3227	15	6	see	see	VERB
fsr-3227	15	7	front	front	ADJ
fsr-3227	15	8	matter	matter	NOUN
fsr-3227	15	9	©	©	PROPN
fsr-3227	15	10	2016	2016	NUM
fsr-3227	15	11	academy	academy	NOUN
fsr-3227	15	12	of	of	ADP
fsr-3227	15	13	financial	financial	ADJ
fsr-3227	15	14	services	service	NOUN
fsr-3227	15	15	.	.	PUNCT
fsr-3227	16	1	all	all	DET
fsr-3227	16	2	rights	right	NOUN
fsr-3227	16	3	reserved	reserve	VERB
fsr-3227	16	4	.	.	PUNCT
fsr-3227	17	1	college	college	NOUN
fsr-3227	17	2	may	may	AUX
fsr-3227	17	3	be	be	AUX
fsr-3227	17	4	one	one	NUM
fsr-3227	17	5	of	of	ADP
fsr-3227	17	6	the	the	DET
fsr-3227	17	7	last	last	ADJ
fsr-3227	17	8	opportunities	opportunity	NOUN
fsr-3227	17	9	to	to	PART
fsr-3227	17	10	help	help	VERB
fsr-3227	17	11	the	the	DET
fsr-3227	17	12	young	young	ADJ
fsr-3227	17	13	become	become	VERB
fsr-3227	17	14	more	more	ADV
fsr-3227	17	15	financially	financially	ADV
fsr-3227	17	16	knowledgeable	knowledgeable	ADJ
fsr-3227	17	17	and	and	CCONJ
fsr-3227	17	18	confident	confident	ADJ
fsr-3227	17	19	.	.	PUNCT
fsr-3227	18	1	however	however	ADV
fsr-3227	18	2	,	,	PUNCT
fsr-3227	18	3	personal	personal	ADJ
fsr-3227	18	4	finance	finance	NOUN
fsr-3227	18	5	education	education	NOUN
fsr-3227	18	6	is	be	AUX
fsr-3227	18	7	voluntary	voluntary	ADJ
fsr-3227	18	8	for	for	ADP
fsr-3227	18	9	many	many	ADJ
fsr-3227	18	10	college	college	NOUN
fsr-3227	18	11	students	student	NOUN
fsr-3227	18	12	.	.	PUNCT
fsr-3227	19	1	the	the	DET
fsr-3227	19	2	challenge	challenge	NOUN
fsr-3227	19	3	is	be	AUX
fsr-3227	19	4	to	to	PART
fsr-3227	19	5	increase	increase	VERB
fsr-3227	19	6	student	student	NOUN
fsr-3227	19	7	participation	participation	NOUN
fsr-3227	19	8	,	,	PUNCT
fsr-3227	19	9	but	but	CCONJ
fsr-3227	19	10	little	little	ADJ
fsr-3227	19	11	is	be	AUX
fsr-3227	19	12	known	know	VERB
fsr-3227	19	13	about	about	ADP
fsr-3227	19	14	the	the	DET
fsr-3227	19	15	drivers	driver	NOUN
fsr-3227	19	16	of	of	ADP
fsr-3227	19	17	student	student	NOUN
fsr-3227	19	18	interest	interest	NOUN
fsr-3227	19	19	in	in	ADP
fsr-3227	19	20	personal	personal	ADJ
fsr-3227	19	21	finance	finance	NOUN
fsr-3227	19	22	education	education	NOUN
fsr-3227	19	23	.	.	PUNCT
fsr-3227	20	1	for	for	ADP
fsr-3227	20	2	example	example	NOUN
fsr-3227	20	3	,	,	PUNCT
fsr-3227	20	4	lyons	lyons	PROPN
fsr-3227	20	5	(	(	PUNCT
fsr-3227	20	6	2004	2004	NUM
fsr-3227	20	7	)	)	PUNCT
fsr-3227	20	8	finds	find	VERB
fsr-3227	20	9	that	that	PRON
fsr-3227	20	10	financially	financially	ADV
fsr-3227	20	11	at	at	ADP
fsr-3227	20	12	-	-	PUNCT
fsr-3227	20	13	risk	risk	NOUN
fsr-3227	20	14	students	student	NOUN
fsr-3227	20	15	are	be	AUX
fsr-3227	20	16	relatively	relatively	ADV
fsr-3227	20	17	more	more	ADV
fsr-3227	20	18	interested	interested	ADJ
fsr-3227	20	19	in	in	ADP
fsr-3227	20	20	campus	campus	NOUN
fsr-3227	20	21	-	-	PUNCT
fsr-3227	20	22	provided	provide	VERB
fsr-3227	20	23	money	money	NOUN
fsr-3227	20	24	management	management	NOUN
fsr-3227	20	25	information	information	NOUN
fsr-3227	20	26	.	.	PUNCT
fsr-3227	21	1	more	more	ADV
fsr-3227	21	2	recently	recently	ADV
fsr-3227	21	3	,	,	PUNCT
fsr-3227	21	4	beierlein	beierlein	NOUN
fsr-3227	21	5	and	and	CCONJ
fsr-3227	21	6	neverett	neverett	PROPN
fsr-3227	21	7	(	(	PUNCT
fsr-3227	21	8	2013	2013	NUM
fsr-3227	21	9	)	)	PUNCT
fsr-3227	21	10	examine	examine	VERB
fsr-3227	21	11	the	the	DET
fsr-3227	21	12	characteristics	characteristic	NOUN
fsr-3227	21	13	of	of	ADP
fsr-3227	21	14	students	student	NOUN
fsr-3227	21	15	who	who	PRON
fsr-3227	21	16	take	take	VERB
fsr-3227	21	17	a	a	DET
fsr-3227	21	18	personal	personal	ADJ
fsr-3227	21	19	finance	finance	NOUN
fsr-3227	21	20	course	course	NOUN
fsr-3227	21	21	and	and	CCONJ
fsr-3227	21	22	find	find	VERB
fsr-3227	21	23	that	that	SCONJ
fsr-3227	21	24	gender	gender	NOUN
fsr-3227	21	25	,	,	PUNCT
fsr-3227	21	26	major	major	ADJ
fsr-3227	21	27	,	,	PUNCT
fsr-3227	21	28	verbal	verbal	ADJ
fsr-3227	21	29	sat	sit	VERB
fsr-3227	21	30	score	score	NOUN
fsr-3227	21	31	,	,	PUNCT
fsr-3227	21	32	and	and	CCONJ
fsr-3227	21	33	high	high	ADJ
fsr-3227	21	34	school	school	NOUN
fsr-3227	21	35	gpa	gpa	PROPN
fsr-3227	21	36	influence	influence	NOUN
fsr-3227	21	37	enrollments	enrollment	NOUN
fsr-3227	21	38	.	.	PUNCT
fsr-3227	22	1	this	this	DET
fsr-3227	22	2	study	study	NOUN
fsr-3227	22	3	examines	examine	VERB
fsr-3227	22	4	undergraduate	undergraduate	PROPN
fsr-3227	22	5	college	college	NOUN
fsr-3227	22	6	student	student	NOUN
fsr-3227	22	7	demand	demand	NOUN
fsr-3227	22	8	for	for	ADP
fsr-3227	22	9	personal	personal	ADJ
fsr-3227	22	10	finance	finance	NOUN
fsr-3227	22	11	education	education	NOUN
fsr-3227	22	12	using	use	VERB
fsr-3227	22	13	classic	classic	ADJ
fsr-3227	22	14	determinants	determinant	NOUN
fsr-3227	22	15	of	of	ADP
fsr-3227	22	16	demand	demand	NOUN
fsr-3227	22	17	and	and	CCONJ
fsr-3227	22	18	gender	gender	NOUN
fsr-3227	22	19	to	to	PART
fsr-3227	22	20	gain	gain	VERB
fsr-3227	22	21	insights	insight	NOUN
fsr-3227	22	22	into	into	ADP
fsr-3227	22	23	increasing	increase	VERB
fsr-3227	22	24	student	student	NOUN
fsr-3227	22	25	participation	participation	NOUN
fsr-3227	22	26	in	in	ADP
fsr-3227	22	27	financial	financial	ADJ
fsr-3227	22	28	education	education	NOUN
fsr-3227	22	29	.	.	PUNCT
fsr-3227	23	1	the	the	DET
fsr-3227	23	2	sample	sample	NOUN
fsr-3227	23	3	is	be	AUX
fsr-3227	23	4	from	from	ADP
fsr-3227	23	5	a	a	DET
fsr-3227	23	6	medium	medium	ADJ
fsr-3227	23	7	-	-	PUNCT
fsr-3227	23	8	size	size	NOUN
fsr-3227	23	9	,	,	PUNCT
fsr-3227	23	10	private	private	ADJ
fsr-3227	23	11	university	university	NOUN
fsr-3227	23	12	that	that	PRON
fsr-3227	23	13	does	do	AUX
fsr-3227	23	14	not	not	PART
fsr-3227	23	15	require	require	VERB
fsr-3227	23	16	personal	personal	ADJ
fsr-3227	23	17	finance	finance	NOUN
fsr-3227	23	18	as	as	ADP
fsr-3227	23	19	part	part	NOUN
fsr-3227	23	20	of	of	ADP
fsr-3227	23	21	the	the	DET
fsr-3227	23	22	curriculum	curriculum	NOUN
fsr-3227	23	23	.	.	PUNCT
fsr-3227	24	1	the	the	DET
fsr-3227	24	2	campus	campus	NOUN
fsr-3227	24	3	has	have	VERB
fsr-3227	24	4	a	a	DET
fsr-3227	24	5	small	small	ADJ
fsr-3227	24	6	but	but	CCONJ
fsr-3227	24	7	emerging	emerge	VERB
fsr-3227	24	8	financial	financial	ADJ
fsr-3227	24	9	literacy	literacy	NOUN
fsr-3227	24	10	program	program	NOUN
fsr-3227	24	11	limited	limit	VERB
fsr-3227	24	12	to	to	PART
fsr-3227	24	13	salt	salt	NOUN
fsr-3227	24	14	,	,	PUNCT
fsr-3227	24	15	a	a	DET
fsr-3227	24	16	one	one	NUM
fsr-3227	24	17	-	-	PUNCT
fsr-3227	24	18	week	week	NOUN
fsr-3227	24	19	speaker	speaker	NOUN
fsr-3227	24	20	series	series	NOUN
fsr-3227	24	21	each	each	DET
fsr-3227	24	22	semester	semester	NOUN
fsr-3227	24	23	,	,	PUNCT
fsr-3227	24	24	and	and	CCONJ
fsr-3227	24	25	individual	individual	ADJ
fsr-3227	24	26	counseling	counseling	NOUN
fsr-3227	24	27	from	from	ADP
fsr-3227	24	28	the	the	DET
fsr-3227	24	29	financial	financial	ADJ
fsr-3227	24	30	aid	aid	NOUN
fsr-3227	24	31	office	office	NOUN
fsr-3227	24	32	and	and	CCONJ
fsr-3227	24	33	the	the	DET
fsr-3227	24	34	wellness	wellness	NOUN
fsr-3227	24	35	center	center	NOUN
fsr-3227	24	36	.	.	PUNCT
fsr-3227	25	1	because	because	SCONJ
fsr-3227	25	2	of	of	ADP
fsr-3227	25	3	these	these	DET
fsr-3227	25	4	limited	limit	VERB
fsr-3227	25	5	opportunities	opportunity	NOUN
fsr-3227	25	6	for	for	ADP
fsr-3227	25	7	students	student	NOUN
fsr-3227	25	8	,	,	PUNCT
fsr-3227	25	9	we	we	PRON
fsr-3227	25	10	characterize	characterize	VERB
fsr-3227	25	11	demand	demand	NOUN
fsr-3227	25	12	as	as	ADP
fsr-3227	25	13	stated	state	VERB
fsr-3227	25	14	interest	interest	NOUN
fsr-3227	25	15	in	in	ADP
fsr-3227	25	16	personal	personal	ADJ
fsr-3227	25	17	finance	finance	NOUN
fsr-3227	25	18	education	education	NOUN
fsr-3227	25	19	.	.	PUNCT
fsr-3227	26	1	based	base	VERB
fsr-3227	26	2	on	on	ADP
fsr-3227	26	3	the	the	DET
fsr-3227	26	4	theory	theory	NOUN
fsr-3227	26	5	of	of	ADP
fsr-3227	26	6	investment	investment	NOUN
fsr-3227	26	7	in	in	ADP
fsr-3227	26	8	financial	financial	ADJ
fsr-3227	26	9	literacy	literacy	NOUN
fsr-3227	26	10	in	in	ADP
fsr-3227	26	11	jappelli	jappelli	PROPN
fsr-3227	26	12	and	and	CCONJ
fsr-3227	26	13	padula	padula	NOUN
fsr-3227	26	14	(	(	PUNCT
fsr-3227	26	15	2013	2013	NUM
fsr-3227	26	16	)	)	PUNCT
fsr-3227	26	17	,	,	PUNCT
fsr-3227	26	18	we	we	PRON
fsr-3227	26	19	model	model	VERB
fsr-3227	26	20	college	college	NOUN
fsr-3227	26	21	student	student	NOUN
fsr-3227	26	22	demand	demand	NOUN
fsr-3227	26	23	for	for	ADP
fsr-3227	26	24	personal	personal	ADJ
fsr-3227	26	25	finance	finance	NOUN
fsr-3227	26	26	education	education	NOUN
fsr-3227	26	27	(	(	PUNCT
fsr-3227	26	28	the	the	DET
fsr-3227	26	29	general	general	ADJ
fsr-3227	26	30	body	body	NOUN
fsr-3227	26	31	of	of	ADP
fsr-3227	26	32	knowledge	knowledge	NOUN
fsr-3227	26	33	)	)	PUNCT
fsr-3227	26	34	as	as	ADP
fsr-3227	26	35	a	a	DET
fsr-3227	26	36	function	function	NOUN
fsr-3227	26	37	of	of	ADP
fsr-3227	26	38	income	income	NOUN
fsr-3227	26	39	,	,	PUNCT
fsr-3227	26	40	patience	patience	NOUN
fsr-3227	26	41	in	in	ADP
fsr-3227	26	42	consumption	consumption	NOUN
fsr-3227	26	43	,	,	PUNCT
fsr-3227	26	44	time	time	NOUN
fsr-3227	26	45	or	or	CCONJ
fsr-3227	26	46	effort	effort	NOUN
fsr-3227	26	47	cost	cost	NOUN
fsr-3227	26	48	as	as	ADP
fsr-3227	26	49	a	a	DET
fsr-3227	26	50	price	price	NOUN
fsr-3227	26	51	variable	variable	NOUN
fsr-3227	26	52	,	,	PUNCT
fsr-3227	26	53	initial	initial	ADJ
fsr-3227	26	54	stock	stock	NOUN
fsr-3227	26	55	of	of	ADP
fsr-3227	26	56	financial	financial	ADJ
fsr-3227	26	57	literacy	literacy	NOUN
fsr-3227	26	58	,	,	PUNCT
fsr-3227	26	59	perceived	perceive	VERB
fsr-3227	26	60	return	return	NOUN
fsr-3227	26	61	on	on	ADP
fsr-3227	26	62	financial	financial	ADJ
fsr-3227	26	63	literacy	literacy	NOUN
fsr-3227	26	64	,	,	PUNCT
fsr-3227	26	65	and	and	CCONJ
fsr-3227	26	66	financial	financial	ADJ
fsr-3227	26	67	independence	independence	NOUN
fsr-3227	26	68	.	.	PUNCT
fsr-3227	27	1	gender	gender	NOUN
fsr-3227	27	2	is	be	AUX
fsr-3227	27	3	added	add	VERB
fsr-3227	27	4	as	as	ADP
fsr-3227	27	5	an	an	DET
fsr-3227	27	6	experimental	experimental	ADJ
fsr-3227	27	7	variable	variable	NOUN
fsr-3227	27	8	.	.	PUNCT
fsr-3227	28	1	we	we	PRON
fsr-3227	28	2	also	also	ADV
fsr-3227	28	3	examine	examine	VERB
fsr-3227	28	4	the	the	DET
fsr-3227	28	5	demand	demand	NOUN
fsr-3227	28	6	for	for	ADP
fsr-3227	28	7	learning	learn	VERB
fsr-3227	28	8	about	about	ADP
fsr-3227	28	9	specific	specific	ADJ
fsr-3227	28	10	topics	topic	NOUN
fsr-3227	28	11	within	within	ADP
fsr-3227	28	12	personal	personal	ADJ
fsr-3227	28	13	finance	finance	NOUN
fsr-3227	28	14	that	that	PRON
fsr-3227	28	15	are	be	AUX
fsr-3227	28	16	likely	likely	ADJ
fsr-3227	28	17	to	to	PART
fsr-3227	28	18	benefit	benefit	VERB
fsr-3227	28	19	college	college	NOUN
fsr-3227	28	20	students	student	NOUN
fsr-3227	28	21	such	such	ADJ
fsr-3227	28	22	as	as	ADP
fsr-3227	28	23	personal	personal	ADJ
fsr-3227	28	24	budgeting	budgeting	NOUN
fsr-3227	28	25	,	,	PUNCT
fsr-3227	28	26	credit	credit	NOUN
fsr-3227	28	27	cards	card	NOUN
fsr-3227	28	28	,	,	PUNCT
fsr-3227	28	29	student	student	NOUN
fsr-3227	28	30	loans	loan	NOUN
fsr-3227	28	31	,	,	PUNCT
fsr-3227	28	32	and	and	CCONJ
fsr-3227	28	33	an	an	DET
fsr-3227	28	34	“	"	PUNCT
fsr-3227	28	35	other	other	ADJ
fsr-3227	28	36	topics	topic	NOUN
fsr-3227	28	37	”	"	PUNCT
fsr-3227	28	38	category	category	NOUN
fsr-3227	28	39	to	to	PART
fsr-3227	28	40	capture	capture	VERB
fsr-3227	28	41	interest	interest	NOUN
fsr-3227	28	42	in	in	ADP
fsr-3227	28	43	learning	learn	VERB
fsr-3227	28	44	about	about	ADP
fsr-3227	28	45	retirement	retirement	NOUN
fsr-3227	28	46	planning	planning	NOUN
fsr-3227	28	47	,	,	PUNCT
fsr-3227	28	48	leasing	leasing	NOUN
fsr-3227	28	49	versus	versus	ADP
fsr-3227	28	50	buying	buying	NOUN
fsr-3227	28	51	,	,	PUNCT
fsr-3227	28	52	and	and	CCONJ
fsr-3227	28	53	so	so	ADV
fsr-3227	28	54	forth.1	forth.1	PROPN
fsr-3227	28	55	prior	prior	ADJ
fsr-3227	28	56	studies	study	NOUN
fsr-3227	28	57	indicate	indicate	VERB
fsr-3227	28	58	that	that	SCONJ
fsr-3227	28	59	numerical	numerical	ADJ
fsr-3227	28	60	ability	ability	NOUN
fsr-3227	28	61	is	be	AUX
fsr-3227	28	62	associated	associate	VERB
fsr-3227	28	63	with	with	ADP
fsr-3227	28	64	patience	patience	NOUN
fsr-3227	28	65	in	in	ADP
fsr-3227	28	66	consumption	consumption	NOUN
fsr-3227	28	67	,	,	PUNCT
fsr-3227	28	68	the	the	DET
fsr-3227	28	69	cost	cost	NOUN
fsr-3227	28	70	of	of	ADP
fsr-3227	28	71	acquiring	acquire	VERB
fsr-3227	28	72	financial	financial	ADJ
fsr-3227	28	73	literacy	literacy	NOUN
fsr-3227	28	74	,	,	PUNCT
fsr-3227	28	75	and	and	CCONJ
fsr-3227	28	76	the	the	DET
fsr-3227	28	77	initial	initial	ADJ
fsr-3227	28	78	stock	stock	NOUN
fsr-3227	28	79	of	of	ADP
fsr-3227	28	80	financial	financial	ADJ
fsr-3227	28	81	literacy	literacy	NOUN
fsr-3227	28	82	(	(	PUNCT
fsr-3227	28	83	e.g.	e.g.	ADV
fsr-3227	28	84	,	,	PUNCT
fsr-3227	28	85	agarwal	agarwal	NOUN
fsr-3227	28	86	and	and	CCONJ
fsr-3227	28	87	mazumder	mazumder	NOUN
fsr-3227	28	88	,	,	PUNCT
fsr-3227	28	89	2013	2013	NUM
fsr-3227	28	90	;	;	PUNCT
fsr-3227	28	91	bansak	bansak	NOUN
fsr-3227	28	92	and	and	CCONJ
fsr-3227	28	93	starr	starr	PROPN
fsr-3227	28	94	,	,	PUNCT
fsr-3227	28	95	2010	2010	NUM
fsr-3227	28	96	;	;	PUNCT
fsr-3227	28	97	cole	cole	PROPN
fsr-3227	28	98	,	,	PUNCT
fsr-3227	28	99	paulson	paulson	PROPN
fsr-3227	28	100	,	,	PUNCT
fsr-3227	28	101	and	and	CCONJ
fsr-3227	28	102	shastry	shastry	NOUN
fsr-3227	28	103	,	,	PUNCT
fsr-3227	28	104	2016	2016	NUM
fsr-3227	28	105	;	;	PUNCT
fsr-3227	28	106	jappelli	jappelli	PROPN
fsr-3227	28	107	and	and	CCONJ
fsr-3227	28	108	padula	padula	NOUN
fsr-3227	28	109	,	,	PUNCT
fsr-3227	28	110	2013	2013	NUM
fsr-3227	28	111	)	)	PUNCT
fsr-3227	28	112	.	.	PUNCT
fsr-3227	29	1	we	we	PRON
fsr-3227	29	2	explore	explore	VERB
fsr-3227	29	3	the	the	DET
fsr-3227	29	4	influence	influence	NOUN
fsr-3227	29	5	of	of	ADP
fsr-3227	29	6	math	math	NOUN
fsr-3227	29	7	ability	ability	NOUN
fsr-3227	29	8	on	on	ADP
fsr-3227	29	9	demand	demand	NOUN
fsr-3227	29	10	for	for	ADP
fsr-3227	29	11	personal	personal	ADJ
fsr-3227	29	12	finance	finance	NOUN
fsr-3227	29	13	education	education	NOUN
fsr-3227	29	14	by	by	ADP
fsr-3227	29	15	using	use	VERB
fsr-3227	29	16	a	a	DET
fsr-3227	29	17	student	student	NOUN
fsr-3227	29	18	’s	’s	PART
fsr-3227	29	19	self	self	NOUN
fsr-3227	29	20	-	-	PUNCT
fsr-3227	29	21	reported	report	VERB
fsr-3227	29	22	math	math	NOUN
fsr-3227	29	23	ability	ability	NOUN
fsr-3227	29	24	,	,	PUNCT
fsr-3227	29	25	highest	high	ADJ
fsr-3227	29	26	level	level	NOUN
fsr-3227	29	27	of	of	ADP
fsr-3227	29	28	math	math	NOUN
fsr-3227	29	29	course	course	NOUN
fsr-3227	29	30	completed	complete	VERB
fsr-3227	29	31	,	,	PUNCT
fsr-3227	29	32	and	and	CCONJ
fsr-3227	29	33	score	score	VERB
fsr-3227	29	34	on	on	ADP
fsr-3227	29	35	a	a	DET
fsr-3227	29	36	five	five	NUM
fsr-3227	29	37	-	-	PUNCT
fsr-3227	29	38	question	question	NOUN
fsr-3227	29	39	numeracy	numeracy	NOUN
fsr-3227	29	40	quiz	quiz	NOUN
fsr-3227	29	41	based	base	VERB
fsr-3227	29	42	on	on	ADP
fsr-3227	29	43	banks	bank	NOUN
fsr-3227	29	44	and	and	CCONJ
fsr-3227	29	45	oldfield	oldfield	PROPN
fsr-3227	29	46	(	(	PUNCT
fsr-3227	29	47	2007	2007	NUM
fsr-3227	29	48	)	)	PUNCT
fsr-3227	29	49	.	.	PUNCT
fsr-3227	30	1	we	we	PRON
fsr-3227	30	2	survey	survey	VERB
fsr-3227	30	3	students	student	NOUN
fsr-3227	30	4	and	and	CCONJ
fsr-3227	30	5	find	find	VERB
fsr-3227	30	6	that	that	SCONJ
fsr-3227	30	7	perceived	perceive	VERB
fsr-3227	30	8	return	return	NOUN
fsr-3227	30	9	and	and	CCONJ
fsr-3227	30	10	time	time	NOUN
fsr-3227	30	11	cost	cost	NOUN
fsr-3227	30	12	explain	explain	VERB
fsr-3227	30	13	most	most	ADJ
fsr-3227	30	14	of	of	ADP
fsr-3227	30	15	the	the	DET
fsr-3227	30	16	variation	variation	NOUN
fsr-3227	30	17	in	in	ADP
fsr-3227	30	18	the	the	DET
fsr-3227	30	19	demand	demand	NOUN
fsr-3227	30	20	for	for	ADP
fsr-3227	30	21	personal	personal	ADJ
fsr-3227	30	22	finance	finance	NOUN
fsr-3227	30	23	education	education	NOUN
fsr-3227	30	24	while	while	SCONJ
fsr-3227	30	25	in	in	ADP
fsr-3227	30	26	college	college	NOUN
fsr-3227	30	27	.	.	PUNCT
fsr-3227	31	1	these	these	DET
fsr-3227	31	2	results	result	NOUN
fsr-3227	31	3	are	be	AUX
fsr-3227	31	4	robust	robust	ADJ
fsr-3227	31	5	to	to	ADP
fsr-3227	31	6	alternative	alternative	ADJ
fsr-3227	31	7	models	model	NOUN
fsr-3227	31	8	and	and	CCONJ
fsr-3227	31	9	empirically	empirically	ADV
fsr-3227	31	10	support	support	VERB
fsr-3227	31	11	the	the	DET
fsr-3227	31	12	theory	theory	NOUN
fsr-3227	31	13	in	in	ADP
fsr-3227	31	14	jappelli	jappelli	PROPN
fsr-3227	31	15	and	and	CCONJ
fsr-3227	31	16	padula	padula	NOUN
fsr-3227	31	17	(	(	PUNCT
fsr-3227	31	18	2013	2013	NUM
fsr-3227	31	19	)	)	PUNCT
fsr-3227	31	20	.	.	PUNCT
fsr-3227	32	1	however	however	ADV
fsr-3227	32	2	,	,	PUNCT
fsr-3227	32	3	student	student	NOUN
fsr-3227	32	4	characteristics	characteristic	NOUN
fsr-3227	32	5	have	have	VERB
fsr-3227	32	6	varying	vary	VERB
fsr-3227	32	7	influences	influence	NOUN
fsr-3227	32	8	on	on	ADP
fsr-3227	32	9	demand	demand	NOUN
fsr-3227	32	10	for	for	ADP
fsr-3227	32	11	specific	specific	ADJ
fsr-3227	32	12	topics	topic	NOUN
fsr-3227	32	13	within	within	ADP
fsr-3227	32	14	personal	personal	ADJ
fsr-3227	32	15	finance	finance	NOUN
fsr-3227	32	16	.	.	PUNCT
fsr-3227	33	1	for	for	ADP
fsr-3227	33	2	example	example	NOUN
fsr-3227	33	3	,	,	PUNCT
fsr-3227	33	4	financial	financial	ADJ
fsr-3227	33	5	independence	independence	NOUN
fsr-3227	33	6	is	be	AUX
fsr-3227	33	7	positively	positively	ADV
fsr-3227	33	8	and	and	CCONJ
fsr-3227	33	9	significantly	significantly	ADV
fsr-3227	33	10	related	relate	VERB
fsr-3227	33	11	to	to	ADP
fsr-3227	33	12	all	all	DET
fsr-3227	33	13	topics	topic	NOUN
fsr-3227	33	14	except	except	SCONJ
fsr-3227	33	15	credit	credit	NOUN
fsr-3227	33	16	cards	card	NOUN
fsr-3227	33	17	.	.	PUNCT
fsr-3227	34	1	students	student	NOUN
fsr-3227	34	2	without	without	ADP
fsr-3227	34	3	student	student	NOUN
fsr-3227	34	4	loans	loan	NOUN
fsr-3227	34	5	are	be	AUX
fsr-3227	34	6	relatively	relatively	ADV
fsr-3227	34	7	uninterested	uninterested	ADJ
fsr-3227	34	8	in	in	ADP
fsr-3227	34	9	learning	learn	VERB
fsr-3227	34	10	about	about	ADP
fsr-3227	34	11	student	student	NOUN
fsr-3227	34	12	loans	loan	NOUN
fsr-3227	34	13	.	.	PUNCT
fsr-3227	35	1	self	self	NOUN
fsr-3227	35	2	-	-	PUNCT
fsr-3227	35	3	reported	report	VERB
fsr-3227	35	4	math	math	NOUN
fsr-3227	35	5	ability	ability	NOUN
fsr-3227	35	6	positively	positively	ADV
fsr-3227	35	7	influences	influence	VERB
fsr-3227	35	8	the	the	DET
fsr-3227	35	9	demand	demand	NOUN
fsr-3227	35	10	for	for	ADP
fsr-3227	35	11	learning	learn	VERB
fsr-3227	35	12	about	about	ADP
fsr-3227	35	13	personal	personal	ADJ
fsr-3227	35	14	budgeting	budgeting	NOUN
fsr-3227	35	15	and	and	CCONJ
fsr-3227	35	16	topics	topic	NOUN
fsr-3227	35	17	within	within	ADP
fsr-3227	35	18	the	the	DET
fsr-3227	35	19	“	"	PUNCT
fsr-3227	35	20	other	other	ADJ
fsr-3227	35	21	”	"	PUNCT
fsr-3227	35	22	category	category	NOUN
fsr-3227	35	23	.	.	PUNCT
fsr-3227	36	1	gender	gender	NOUN
fsr-3227	36	2	has	have	VERB
fsr-3227	36	3	independent	independent	ADJ
fsr-3227	36	4	and	and	CCONJ
fsr-3227	36	5	robust	robust	ADJ
fsr-3227	36	6	explanatory	explanatory	ADJ
fsr-3227	36	7	power	power	NOUN
fsr-3227	36	8	for	for	ADP
fsr-3227	36	9	interest	interest	NOUN
fsr-3227	36	10	in	in	ADP
fsr-3227	36	11	all	all	DET
fsr-3227	36	12	personal	personal	ADJ
fsr-3227	36	13	finance	finance	NOUN
fsr-3227	36	14	topics	topic	NOUN
fsr-3227	36	15	except	except	SCONJ
fsr-3227	36	16	the	the	DET
fsr-3227	36	17	“	"	PUNCT
fsr-3227	36	18	other	other	ADJ
fsr-3227	36	19	”	"	PUNCT
fsr-3227	36	20	category	category	NOUN
fsr-3227	36	21	.	.	PUNCT
fsr-3227	37	1	however	however	ADV
fsr-3227	37	2	,	,	PUNCT
fsr-3227	37	3	the	the	DET
fsr-3227	37	4	significance	significance	NOUN
fsr-3227	37	5	of	of	ADP
fsr-3227	37	6	gender	gender	NOUN
fsr-3227	37	7	is	be	AUX
fsr-3227	37	8	reduced	reduce	VERB
fsr-3227	37	9	when	when	SCONJ
fsr-3227	37	10	math	math	NOUN
fsr-3227	37	11	ability	ability	NOUN
fsr-3227	37	12	is	be	AUX
fsr-3227	37	13	included	include	VERB
fsr-3227	37	14	in	in	ADP
fsr-3227	37	15	regressions	regression	NOUN
fsr-3227	37	16	.	.	PUNCT
fsr-3227	38	1	on	on	ADP
fsr-3227	38	2	average	average	ADJ
fsr-3227	38	3	,	,	PUNCT
fsr-3227	38	4	sample	sample	NOUN
fsr-3227	38	5	females	female	NOUN
fsr-3227	38	6	self	self	NOUN
fsr-3227	38	7	-	-	PUNCT
fsr-3227	38	8	report	report	NOUN
fsr-3227	38	9	lower	low	ADJ
fsr-3227	38	10	math	math	NOUN
fsr-3227	38	11	ability	ability	NOUN
fsr-3227	38	12	and	and	CCONJ
fsr-3227	38	13	achieve	achieve	VERB
fsr-3227	38	14	lower	low	ADJ
fsr-3227	38	15	scores	score	NOUN
fsr-3227	38	16	on	on	ADP
fsr-3227	38	17	the	the	DET
fsr-3227	38	18	numeracy	numeracy	NOUN
fsr-3227	38	19	quiz	quiz	NOUN
fsr-3227	38	20	compared	compare	VERB
fsr-3227	38	21	to	to	ADP
fsr-3227	38	22	males	male	NOUN
fsr-3227	38	23	.	.	PUNCT
fsr-3227	39	1	sample	sample	NOUN
fsr-3227	39	2	females	female	NOUN
fsr-3227	39	3	are	be	AUX
fsr-3227	39	4	more	more	ADV
fsr-3227	39	5	likely	likely	ADJ
fsr-3227	39	6	to	to	PART
fsr-3227	39	7	work	work	VERB
fsr-3227	39	8	part	part	NOUN
fsr-3227	39	9	time	time	NOUN
fsr-3227	39	10	,	,	PUNCT
fsr-3227	39	11	have	have	AUX
fsr-3227	39	12	student	student	NOUN
fsr-3227	39	13	loans	loan	NOUN
fsr-3227	39	14	,	,	PUNCT
fsr-3227	39	15	and	and	CCONJ
fsr-3227	39	16	are	be	AUX
fsr-3227	39	17	significantly	significantly	ADV
fsr-3227	39	18	more	more	ADV
fsr-3227	39	19	interested	interested	ADJ
fsr-3227	39	20	352	352	NUM
fsr-3227	39	21	c.	c.	PROPN
fsr-3227	39	22	harrington	harrington	PROPN
fsr-3227	39	23	,	,	PUNCT
fsr-3227	39	24	w.	w.	PROPN
fsr-3227	39	25	smith	smith	PROPN
fsr-3227	39	26	/	/	SYM
fsr-3227	39	27	financial	financial	ADJ
fsr-3227	39	28	services	service	NOUN
fsr-3227	39	29	review	review	VERB
fsr-3227	39	30	25	25	NUM
fsr-3227	39	31	(	(	PUNCT
fsr-3227	39	32	2016	2016	NUM
fsr-3227	39	33	)	)	PUNCT
fsr-3227	40	1	351–372	351–372	NUM
fsr-3227	40	2	in	in	ADP
fsr-3227	40	3	personal	personal	ADJ
fsr-3227	40	4	finance	finance	NOUN
fsr-3227	40	5	education	education	NOUN
fsr-3227	40	6	.	.	PUNCT
fsr-3227	41	1	our	our	PRON
fsr-3227	41	2	gender	gender	NOUN
fsr-3227	41	3	results	result	VERB
fsr-3227	41	4	conflict	conflict	NOUN
fsr-3227	41	5	with	with	ADP
fsr-3227	41	6	the	the	DET
fsr-3227	41	7	findings	finding	NOUN
fsr-3227	41	8	in	in	ADP
fsr-3227	41	9	chen	chen	PROPN
fsr-3227	41	10	and	and	CCONJ
fsr-3227	41	11	volpe	volpe	PROPN
fsr-3227	41	12	(	(	PUNCT
fsr-3227	41	13	2002	2002	NUM
fsr-3227	41	14	)	)	PUNCT
fsr-3227	41	15	and	and	CCONJ
fsr-3227	41	16	beierlein	beierlein	NOUN
fsr-3227	41	17	and	and	CCONJ
fsr-3227	41	18	neverett	neverett	PROPN
fsr-3227	41	19	(	(	PUNCT
fsr-3227	41	20	2013	2013	NUM
fsr-3227	41	21	)	)	PUNCT
fsr-3227	41	22	.	.	PUNCT
fsr-3227	42	1	this	this	DET
fsr-3227	42	2	study	study	NOUN
fsr-3227	42	3	contributes	contribute	VERB
fsr-3227	42	4	to	to	ADP
fsr-3227	42	5	understanding	understand	VERB
fsr-3227	42	6	the	the	DET
fsr-3227	42	7	demand	demand	NOUN
fsr-3227	42	8	for	for	ADP
fsr-3227	42	9	personal	personal	ADJ
fsr-3227	42	10	finance	finance	NOUN
fsr-3227	42	11	education	education	NOUN
fsr-3227	42	12	and	and	CCONJ
fsr-3227	42	13	is	be	AUX
fsr-3227	42	14	conducted	conduct	VERB
fsr-3227	42	15	in	in	ADP
fsr-3227	42	16	the	the	DET
fsr-3227	42	17	spirit	spirit	NOUN
fsr-3227	42	18	of	of	ADP
fsr-3227	42	19	increasing	increase	VERB
fsr-3227	42	20	college	college	NOUN
fsr-3227	42	21	student	student	NOUN
fsr-3227	42	22	participation	participation	NOUN
fsr-3227	42	23	.	.	PUNCT
fsr-3227	43	1	we	we	PRON
fsr-3227	43	2	use	use	VERB
fsr-3227	43	3	a	a	DET
fsr-3227	43	4	theory	theory	NOUN
fsr-3227	43	5	-	-	PUNCT
fsr-3227	43	6	based	base	VERB
fsr-3227	43	7	approach	approach	NOUN
fsr-3227	43	8	to	to	PART
fsr-3227	43	9	investigate	investigate	VERB
fsr-3227	43	10	student	student	NOUN
fsr-3227	43	11	interest	interest	NOUN
fsr-3227	43	12	in	in	ADP
fsr-3227	43	13	personal	personal	ADJ
fsr-3227	43	14	finance	finance	NOUN
fsr-3227	43	15	education	education	NOUN
fsr-3227	43	16	and	and	CCONJ
fsr-3227	43	17	provide	provide	VERB
fsr-3227	43	18	an	an	DET
fsr-3227	43	19	empirical	empirical	ADJ
fsr-3227	43	20	test	test	NOUN
fsr-3227	43	21	of	of	ADP
fsr-3227	43	22	the	the	DET
fsr-3227	43	23	investment	investment	NOUN
fsr-3227	43	24	function	function	NOUN
fsr-3227	43	25	in	in	ADP
fsr-3227	43	26	jappelli	jappelli	PROPN
fsr-3227	43	27	and	and	CCONJ
fsr-3227	43	28	padula	padula	NOUN
fsr-3227	43	29	(	(	PUNCT
fsr-3227	43	30	2013	2013	NUM
fsr-3227	43	31	)	)	PUNCT
fsr-3227	43	32	.	.	PUNCT
fsr-3227	44	1	we	we	PRON
fsr-3227	44	2	also	also	ADV
fsr-3227	44	3	add	add	VERB
fsr-3227	44	4	to	to	ADP
fsr-3227	44	5	the	the	DET
fsr-3227	44	6	literature	literature	NOUN
fsr-3227	44	7	on	on	ADP
fsr-3227	44	8	the	the	DET
fsr-3227	44	9	influence	influence	NOUN
fsr-3227	44	10	of	of	ADP
fsr-3227	44	11	gender	gender	NOUN
fsr-3227	44	12	and	and	CCONJ
fsr-3227	44	13	numerical	numerical	ADJ
fsr-3227	44	14	ability	ability	NOUN
fsr-3227	44	15	on	on	ADP
fsr-3227	44	16	interest	interest	NOUN
fsr-3227	44	17	in	in	ADP
fsr-3227	44	18	financial	financial	ADJ
fsr-3227	44	19	education	education	NOUN
fsr-3227	44	20	.	.	PUNCT
fsr-3227	45	1	our	our	PRON
fsr-3227	45	2	study	study	NOUN
fsr-3227	45	3	is	be	AUX
fsr-3227	45	4	similar	similar	ADJ
fsr-3227	45	5	to	to	ADP
fsr-3227	45	6	chen	chen	PROPN
fsr-3227	45	7	and	and	CCONJ
fsr-3227	45	8	volpe	volpe	PROPN
fsr-3227	45	9	(	(	PUNCT
fsr-3227	45	10	2002	2002	NUM
fsr-3227	45	11	)	)	PUNCT
fsr-3227	45	12	and	and	CCONJ
fsr-3227	45	13	beierlein	beierlein	NOUN
fsr-3227	45	14	and	and	CCONJ
fsr-3227	45	15	neverett	neverett	PROPN
fsr-3227	45	16	(	(	PUNCT
fsr-3227	45	17	2013	2013	NUM
fsr-3227	45	18	)	)	PUNCT
fsr-3227	45	19	.	.	PUNCT
fsr-3227	46	1	chen	chen	PROPN
fsr-3227	46	2	and	and	CCONJ
fsr-3227	46	3	volpe	volpe	PROPN
fsr-3227	46	4	collect	collect	VERB
fsr-3227	46	5	gender	gender	NOUN
fsr-3227	46	6	,	,	PUNCT
fsr-3227	46	7	student	student	NOUN
fsr-3227	46	8	income	income	NOUN
fsr-3227	46	9	,	,	PUNCT
fsr-3227	46	10	and	and	CCONJ
fsr-3227	46	11	other	other	ADJ
fsr-3227	46	12	attributes	attribute	NOUN
fsr-3227	46	13	to	to	PART
fsr-3227	46	14	examine	examine	VERB
fsr-3227	46	15	college	college	NOUN
fsr-3227	46	16	student	student	NOUN
fsr-3227	46	17	personal	personal	ADJ
fsr-3227	46	18	financial	financial	ADJ
fsr-3227	46	19	knowledge	knowledge	NOUN
fsr-3227	46	20	and	and	CCONJ
fsr-3227	46	21	perceptions	perception	NOUN
fsr-3227	46	22	of	of	ADP
fsr-3227	46	23	the	the	DET
fsr-3227	46	24	importance	importance	NOUN
fsr-3227	46	25	of	of	ADP
fsr-3227	46	26	financial	financial	ADJ
fsr-3227	46	27	knowledge	knowledge	NOUN
fsr-3227	46	28	.	.	PUNCT
fsr-3227	47	1	beierlein	beierlein	PROPN
fsr-3227	47	2	and	and	CCONJ
fsr-3227	47	3	neverett	neverett	PROPN
fsr-3227	47	4	examine	examine	PROPN
fsr-3227	47	5	characteristics	characteristic	NOUN
fsr-3227	47	6	of	of	ADP
fsr-3227	47	7	students	student	NOUN
fsr-3227	47	8	who	who	PRON
fsr-3227	47	9	enroll	enroll	VERB
fsr-3227	47	10	in	in	ADP
fsr-3227	47	11	a	a	DET
fsr-3227	47	12	personal	personal	ADJ
fsr-3227	47	13	finance	finance	NOUN
fsr-3227	47	14	course	course	NOUN
fsr-3227	47	15	including	include	VERB
fsr-3227	47	16	gender	gender	NOUN
fsr-3227	47	17	,	,	PUNCT
fsr-3227	47	18	race	race	NOUN
fsr-3227	47	19	,	,	PUNCT
fsr-3227	47	20	age	age	NOUN
fsr-3227	47	21	,	,	PUNCT
fsr-3227	47	22	standardized	standardized	ADJ
fsr-3227	47	23	test	test	NOUN
fsr-3227	47	24	scores	score	NOUN
fsr-3227	47	25	,	,	PUNCT
fsr-3227	47	26	major	major	ADJ
fsr-3227	47	27	,	,	PUNCT
fsr-3227	47	28	and	and	CCONJ
fsr-3227	47	29	other	other	ADJ
fsr-3227	47	30	attributes	attribute	NOUN
fsr-3227	47	31	.	.	PUNCT
fsr-3227	48	1	our	our	PRON
fsr-3227	48	2	study	study	NOUN
fsr-3227	48	3	attempts	attempt	VERB
fsr-3227	48	4	to	to	PART
fsr-3227	48	5	discover	discover	VERB
fsr-3227	48	6	factors	factor	NOUN
fsr-3227	48	7	that	that	PRON
fsr-3227	48	8	drive	drive	VERB
fsr-3227	48	9	interest	interest	NOUN
fsr-3227	48	10	in	in	ADP
fsr-3227	48	11	specific	specific	ADJ
fsr-3227	48	12	personal	personal	ADJ
fsr-3227	48	13	finance	finance	NOUN
fsr-3227	48	14	topics	topic	NOUN
fsr-3227	48	15	that	that	PRON
fsr-3227	48	16	are	be	AUX
fsr-3227	48	17	likely	likely	ADJ
fsr-3227	48	18	to	to	PART
fsr-3227	48	19	benefit	benefit	VERB
fsr-3227	48	20	college	college	NOUN
fsr-3227	48	21	students	student	NOUN
fsr-3227	48	22	.	.	PUNCT
fsr-3227	49	1	many	many	ADJ
fsr-3227	49	2	campuses	campus	NOUN
fsr-3227	49	3	are	be	AUX
fsr-3227	49	4	implementing	implement	VERB
fsr-3227	49	5	financial	financial	ADJ
fsr-3227	49	6	literacy	literacy	NOUN
fsr-3227	49	7	programs	program	NOUN
fsr-3227	49	8	that	that	PRON
fsr-3227	49	9	include	include	VERB
fsr-3227	49	10	workshops	workshop	NOUN
fsr-3227	49	11	and	and	CCONJ
fsr-3227	49	12	peer	peer	NOUN
fsr-3227	49	13	mentoring	mentoring	NOUN
fsr-3227	49	14	.	.	PUNCT
fsr-3227	50	1	our	our	PRON
fsr-3227	50	2	study	study	NOUN
fsr-3227	50	3	supports	support	VERB
fsr-3227	50	4	the	the	DET
fsr-3227	50	5	idea	idea	NOUN
fsr-3227	50	6	of	of	ADP
fsr-3227	50	7	offering	offer	VERB
fsr-3227	50	8	opportunities	opportunity	NOUN
fsr-3227	50	9	for	for	SCONJ
fsr-3227	50	10	students	student	NOUN
fsr-3227	50	11	to	to	PART
fsr-3227	50	12	learn	learn	VERB
fsr-3227	50	13	about	about	ADP
fsr-3227	50	14	individual	individual	ADJ
fsr-3227	50	15	personal	personal	ADJ
fsr-3227	50	16	finance	finance	NOUN
fsr-3227	50	17	topics	topic	NOUN
fsr-3227	50	18	through	through	ADP
fsr-3227	50	19	various	various	ADJ
fsr-3227	50	20	delivery	delivery	NOUN
fsr-3227	50	21	methods	method	NOUN
fsr-3227	50	22	in	in	ADP
fsr-3227	50	23	addition	addition	NOUN
fsr-3227	50	24	to	to	ADP
fsr-3227	50	25	a	a	DET
fsr-3227	50	26	more	more	ADV
fsr-3227	50	27	comprehensive	comprehensive	ADJ
fsr-3227	50	28	personal	personal	ADJ
fsr-3227	50	29	finance	finance	NOUN
fsr-3227	50	30	course	course	NOUN
fsr-3227	50	31	.	.	PUNCT
fsr-3227	51	1	the	the	DET
fsr-3227	51	2	findings	finding	NOUN
fsr-3227	51	3	in	in	ADP
fsr-3227	51	4	our	our	PRON
fsr-3227	51	5	study	study	NOUN
fsr-3227	51	6	may	may	AUX
fsr-3227	51	7	help	help	VERB
fsr-3227	51	8	to	to	PART
fsr-3227	51	9	target	target	VERB
fsr-3227	51	10	specific	specific	ADJ
fsr-3227	51	11	types	type	NOUN
fsr-3227	51	12	of	of	ADP
fsr-3227	51	13	students	student	NOUN
fsr-3227	51	14	and	and	CCONJ
fsr-3227	51	15	increase	increase	VERB
fsr-3227	51	16	participation	participation	NOUN
fsr-3227	51	17	in	in	ADP
fsr-3227	51	18	financial	financial	ADJ
fsr-3227	51	19	literacy	literacy	NOUN
fsr-3227	51	20	programs	program	NOUN
fsr-3227	51	21	and	and	CCONJ
fsr-3227	51	22	services	service	NOUN
fsr-3227	51	23	.	.	PUNCT
fsr-3227	52	1	we	we	PRON
fsr-3227	52	2	acknowledge	acknowledge	VERB
fsr-3227	52	3	the	the	DET
fsr-3227	52	4	limitations	limitation	NOUN
fsr-3227	52	5	of	of	ADP
fsr-3227	52	6	this	this	DET
fsr-3227	52	7	study	study	NOUN
fsr-3227	52	8	.	.	PUNCT
fsr-3227	53	1	we	we	PRON
fsr-3227	53	2	sample	sample	VERB
fsr-3227	53	3	from	from	ADP
fsr-3227	53	4	a	a	DET
fsr-3227	53	5	single	single	ADJ
fsr-3227	53	6	,	,	PUNCT
fsr-3227	53	7	private	private	ADJ
fsr-3227	53	8	university	university	NOUN
fsr-3227	53	9	largely	largely	ADV
fsr-3227	53	10	attended	attend	VERB
fsr-3227	53	11	by	by	ADP
fsr-3227	53	12	18to	18to	ADJ
fsr-3227	53	13	22	22	NUM
fsr-3227	53	14	-	-	PUNCT
fsr-3227	53	15	year	year	NOUN
fsr-3227	53	16	-	-	PUNCT
fsr-3227	53	17	old	old	ADJ
fsr-3227	53	18	students	student	NOUN
fsr-3227	53	19	,	,	PUNCT
fsr-3227	53	20	and	and	CCONJ
fsr-3227	53	21	our	our	PRON
fsr-3227	53	22	results	result	NOUN
fsr-3227	53	23	may	may	AUX
fsr-3227	53	24	not	not	PART
fsr-3227	53	25	apply	apply	VERB
fsr-3227	53	26	to	to	ADP
fsr-3227	53	27	a	a	DET
fsr-3227	53	28	more	more	ADV
fsr-3227	53	29	diverse	diverse	ADJ
fsr-3227	53	30	student	student	NOUN
fsr-3227	53	31	population	population	NOUN
fsr-3227	53	32	.	.	PUNCT
fsr-3227	54	1	we	we	PRON
fsr-3227	54	2	also	also	ADV
fsr-3227	54	3	characterize	characterize	VERB
fsr-3227	54	4	demand	demand	NOUN
fsr-3227	54	5	as	as	ADP
fsr-3227	54	6	stated	state	VERB
fsr-3227	54	7	interest	interest	NOUN
fsr-3227	54	8	in	in	ADP
fsr-3227	54	9	personal	personal	ADJ
fsr-3227	54	10	finance	finance	NOUN
fsr-3227	54	11	education	education	NOUN
fsr-3227	54	12	.	.	PUNCT
fsr-3227	55	1	however	however	ADV
fsr-3227	55	2	,	,	PUNCT
fsr-3227	55	3	utilization	utilization	NOUN
fsr-3227	55	4	of	of	ADP
fsr-3227	55	5	personal	personal	ADJ
fsr-3227	55	6	finance	finance	NOUN
fsr-3227	55	7	education	education	NOUN
fsr-3227	55	8	resources	resource	NOUN
fsr-3227	55	9	may	may	AUX
fsr-3227	55	10	be	be	AUX
fsr-3227	55	11	a	a	DET
fsr-3227	55	12	more	more	ADV
fsr-3227	55	13	precise	precise	ADJ
fsr-3227	55	14	measure	measure	NOUN
fsr-3227	55	15	of	of	ADP
fsr-3227	55	16	demand	demand	NOUN
fsr-3227	55	17	.	.	PUNCT
fsr-3227	56	1	some	some	DET
fsr-3227	56	2	measures	measure	NOUN
fsr-3227	56	3	of	of	ADP
fsr-3227	56	4	variables	variable	NOUN
fsr-3227	56	5	used	use	VERB
fsr-3227	56	6	to	to	PART
fsr-3227	56	7	test	test	NOUN
fsr-3227	56	8	demand	demand	NOUN
fsr-3227	56	9	are	be	AUX
fsr-3227	56	10	compromises	compromise	NOUN
fsr-3227	56	11	rather	rather	ADV
fsr-3227	56	12	than	than	ADP
fsr-3227	56	13	ideals	ideal	NOUN
fsr-3227	56	14	.	.	PUNCT
fsr-3227	57	1	for	for	ADP
fsr-3227	57	2	example	example	NOUN
fsr-3227	57	3	,	,	PUNCT
fsr-3227	57	4	we	we	PRON
fsr-3227	57	5	include	include	VERB
fsr-3227	57	6	a	a	DET
fsr-3227	57	7	single	single	ADJ
fsr-3227	57	8	measure	measure	NOUN
fsr-3227	57	9	of	of	ADP
fsr-3227	57	10	patience	patience	NOUN
fsr-3227	57	11	in	in	ADP
fsr-3227	57	12	consumption	consumption	NOUN
fsr-3227	57	13	.	.	PUNCT
fsr-3227	58	1	this	this	DET
fsr-3227	58	2	attribute	attribute	NOUN
fsr-3227	58	3	may	may	AUX
fsr-3227	58	4	be	be	AUX
fsr-3227	58	5	better	well	ADV
fsr-3227	58	6	measured	measure	VERB
fsr-3227	58	7	by	by	ADP
fsr-3227	58	8	creating	create	VERB
fsr-3227	58	9	an	an	DET
fsr-3227	58	10	index	index	NOUN
fsr-3227	58	11	from	from	ADP
fsr-3227	58	12	responses	response	NOUN
fsr-3227	58	13	related	relate	VERB
fsr-3227	58	14	to	to	ADP
fsr-3227	58	15	patience	patience	NOUN
fsr-3227	58	16	in	in	ADP
fsr-3227	58	17	consumption	consumption	NOUN
fsr-3227	58	18	.	.	PUNCT
fsr-3227	59	1	however	however	ADV
fsr-3227	59	2	,	,	PUNCT
fsr-3227	59	3	we	we	PRON
fsr-3227	59	4	opt	opt	VERB
fsr-3227	59	5	for	for	ADP
fsr-3227	59	6	a	a	DET
fsr-3227	59	7	single	single	ADJ
fsr-3227	59	8	question	question	NOUN
fsr-3227	59	9	about	about	ADP
fsr-3227	59	10	patience	patience	NOUN
fsr-3227	59	11	in	in	ADP
fsr-3227	59	12	consumption	consumption	NOUN
fsr-3227	59	13	for	for	ADP
fsr-3227	59	14	survey	survey	NOUN
fsr-3227	59	15	brevity	brevity	NOUN
fsr-3227	59	16	.	.	PUNCT
fsr-3227	60	1	we	we	PRON
fsr-3227	60	2	also	also	ADV
fsr-3227	60	3	do	do	AUX
fsr-3227	60	4	not	not	PART
fsr-3227	60	5	include	include	VERB
fsr-3227	60	6	parental	parental	ADJ
fsr-3227	60	7	income	income	NOUN
fsr-3227	60	8	as	as	ADP
fsr-3227	60	9	an	an	DET
fsr-3227	60	10	explanatory	explanatory	ADJ
fsr-3227	60	11	variable	variable	NOUN
fsr-3227	60	12	because	because	SCONJ
fsr-3227	60	13	of	of	ADP
fsr-3227	60	14	concern	concern	NOUN
fsr-3227	60	15	about	about	ADP
fsr-3227	60	16	reporting	report	VERB
fsr-3227	60	17	accuracy	accuracy	NOUN
fsr-3227	60	18	.	.	PUNCT
fsr-3227	61	1	finally	finally	ADV
fsr-3227	61	2	,	,	PUNCT
fsr-3227	61	3	the	the	DET
fsr-3227	61	4	inclusion	inclusion	NOUN
fsr-3227	61	5	of	of	ADP
fsr-3227	61	6	math	math	NOUN
fsr-3227	61	7	ability	ability	NOUN
fsr-3227	61	8	as	as	ADP
fsr-3227	61	9	an	an	DET
fsr-3227	61	10	explanatory	explanatory	ADJ
fsr-3227	61	11	variable	variable	NOUN
fsr-3227	61	12	for	for	ADP
fsr-3227	61	13	interest	interest	NOUN
fsr-3227	61	14	in	in	ADP
fsr-3227	61	15	personal	personal	ADJ
fsr-3227	61	16	finance	finance	NOUN
fsr-3227	61	17	education	education	NOUN
fsr-3227	61	18	ignores	ignore	VERB
fsr-3227	61	19	the	the	DET
fsr-3227	61	20	possibility	possibility	NOUN
fsr-3227	61	21	that	that	SCONJ
fsr-3227	61	22	the	the	DET
fsr-3227	61	23	subject	subject	NOUN
fsr-3227	61	24	may	may	AUX
fsr-3227	61	25	be	be	AUX
fsr-3227	61	26	presented	present	VERB
fsr-3227	61	27	in	in	ADP
fsr-3227	61	28	a	a	DET
fsr-3227	61	29	way	way	NOUN
fsr-3227	61	30	that	that	PRON
fsr-3227	61	31	minimizes	minimize	VERB
fsr-3227	61	32	math	math	NOUN
fsr-3227	61	33	.	.	PUNCT
fsr-3227	62	1	the	the	DET
fsr-3227	62	2	article	article	NOUN
fsr-3227	62	3	continues	continue	VERB
fsr-3227	62	4	as	as	SCONJ
fsr-3227	62	5	follows	follow	VERB
fsr-3227	62	6	:	:	PUNCT
fsr-3227	62	7	section	section	NOUN
fsr-3227	62	8	2	2	NUM
fsr-3227	62	9	discusses	discuss	VERB
fsr-3227	62	10	the	the	DET
fsr-3227	62	11	literature	literature	NOUN
fsr-3227	62	12	related	relate	VERB
fsr-3227	62	13	to	to	ADP
fsr-3227	62	14	college	college	NOUN
fsr-3227	62	15	student	student	NOUN
fsr-3227	62	16	demand	demand	NOUN
fsr-3227	62	17	for	for	ADP
fsr-3227	62	18	personal	personal	ADJ
fsr-3227	62	19	finance	finance	NOUN
fsr-3227	62	20	education	education	NOUN
fsr-3227	62	21	and	and	CCONJ
fsr-3227	62	22	states	state	NOUN
fsr-3227	62	23	hypotheses	hypothesis	NOUN
fsr-3227	62	24	.	.	PUNCT
fsr-3227	63	1	section	section	NOUN
fsr-3227	63	2	3	3	NUM
fsr-3227	63	3	describes	describe	VERB
fsr-3227	63	4	the	the	DET
fsr-3227	63	5	survey	survey	NOUN
fsr-3227	63	6	used	use	VERB
fsr-3227	63	7	to	to	PART
fsr-3227	63	8	collect	collect	VERB
fsr-3227	63	9	data	datum	NOUN
fsr-3227	63	10	for	for	ADP
fsr-3227	63	11	hypotheses	hypothesis	NOUN
fsr-3227	63	12	tests	test	NOUN
fsr-3227	63	13	.	.	PUNCT
fsr-3227	64	1	the	the	DET
fsr-3227	64	2	sample	sample	NOUN
fsr-3227	64	3	is	be	AUX
fsr-3227	64	4	described	describe	VERB
fsr-3227	64	5	in	in	ADP
fsr-3227	64	6	section	section	NOUN
fsr-3227	64	7	4	4	NUM
fsr-3227	64	8	.	.	PUNCT
fsr-3227	65	1	in	in	ADP
fsr-3227	65	2	section	section	NOUN
fsr-3227	65	3	5	5	NUM
fsr-3227	65	4	,	,	PUNCT
fsr-3227	65	5	we	we	PRON
fsr-3227	65	6	present	present	VERB
fsr-3227	65	7	the	the	DET
fsr-3227	65	8	empirical	empirical	ADJ
fsr-3227	65	9	methods	method	NOUN
fsr-3227	65	10	used	use	VERB
fsr-3227	65	11	to	to	PART
fsr-3227	65	12	test	test	VERB
fsr-3227	65	13	the	the	DET
fsr-3227	65	14	hypotheses	hypothesis	NOUN
fsr-3227	65	15	.	.	PUNCT
fsr-3227	66	1	empirical	empirical	ADJ
fsr-3227	66	2	results	result	NOUN
fsr-3227	66	3	are	be	AUX
fsr-3227	66	4	discussed	discuss	VERB
fsr-3227	66	5	in	in	ADP
fsr-3227	66	6	section	section	NOUN
fsr-3227	66	7	6	6	NUM
fsr-3227	66	8	,	,	PUNCT
fsr-3227	66	9	and	and	CCONJ
fsr-3227	66	10	section	section	NOUN
fsr-3227	66	11	7	7	NUM
fsr-3227	66	12	concludes	conclude	VERB
fsr-3227	66	13	.	.	PUNCT
fsr-3227	67	1	2	2	X
fsr-3227	67	2	.	.	X
fsr-3227	67	3	literature	literature	NOUN
fsr-3227	67	4	review	review	PROPN
fsr-3227	67	5	and	and	CCONJ
fsr-3227	67	6	hypotheses	hypothesis	NOUN
fsr-3227	67	7	jappelli	jappelli	ADV
fsr-3227	67	8	and	and	CCONJ
fsr-3227	67	9	padula	padula	NOUN
fsr-3227	67	10	(	(	PUNCT
fsr-3227	67	11	2013	2013	NUM
fsr-3227	67	12	)	)	PUNCT
fsr-3227	67	13	present	present	VERB
fsr-3227	67	14	an	an	DET
fsr-3227	67	15	intertemporal	intertemporal	ADJ
fsr-3227	67	16	consumption	consumption	NOUN
fsr-3227	67	17	model	model	NOUN
fsr-3227	67	18	in	in	ADP
fsr-3227	67	19	which	which	PRON
fsr-3227	67	20	an	an	DET
fsr-3227	67	21	individual	individual	NOUN
fsr-3227	67	22	chooses	choose	VERB
fsr-3227	67	23	retirement	retirement	NOUN
fsr-3227	67	24	savings	saving	NOUN
fsr-3227	67	25	and	and	CCONJ
fsr-3227	67	26	financial	financial	ADJ
fsr-3227	67	27	literacy	literacy	NOUN
fsr-3227	67	28	investment	investment	NOUN
fsr-3227	67	29	given	give	VERB
fsr-3227	67	30	an	an	DET
fsr-3227	67	31	initial	initial	ADJ
fsr-3227	67	32	stock	stock	NOUN
fsr-3227	67	33	of	of	ADP
fsr-3227	67	34	financial	financial	ADJ
fsr-3227	67	35	literacy	literacy	NOUN
fsr-3227	67	36	and	and	CCONJ
fsr-3227	67	37	other	other	ADJ
fsr-3227	67	38	parameters	parameter	NOUN
fsr-3227	67	39	.	.	PUNCT
fsr-3227	68	1	initial	initial	ADJ
fsr-3227	68	2	financial	financial	ADJ
fsr-3227	68	3	literacy	literacy	NOUN
fsr-3227	68	4	is	be	AUX
fsr-3227	68	5	characterized	characterize	VERB
fsr-3227	68	6	as	as	ADP
fsr-3227	68	7	financial	financial	ADJ
fsr-3227	68	8	knowledge	knowledge	NOUN
fsr-3227	68	9	before	before	ADP
fsr-3227	68	10	entering	enter	VERB
fsr-3227	68	11	the	the	DET
fsr-3227	68	12	labor	labor	NOUN
fsr-3227	68	13	market	market	NOUN
fsr-3227	68	14	that	that	PRON
fsr-3227	68	15	jappelli	jappelli	PROPN
fsr-3227	68	16	and	and	CCONJ
fsr-3227	68	17	padula	padula	NOUN
fsr-3227	68	18	suggest	suggest	VERB
fsr-3227	68	19	is	be	AUX
fsr-3227	68	20	353c	353c	NOUN
fsr-3227	68	21	.	.	PUNCT
fsr-3227	69	1	harrington	harrington	PROPN
fsr-3227	69	2	,	,	PUNCT
fsr-3227	69	3	w.	w.	PROPN
fsr-3227	69	4	smith	smith	PROPN
fsr-3227	69	5	/	/	SYM
fsr-3227	69	6	financial	financial	ADJ
fsr-3227	69	7	services	service	NOUN
fsr-3227	69	8	review	review	VERB
fsr-3227	69	9	25	25	NUM
fsr-3227	69	10	(	(	PUNCT
fsr-3227	69	11	2016	2016	NUM
fsr-3227	69	12	)	)	PUNCT
fsr-3227	70	1	351–372	351–372	NUM
fsr-3227	70	2	related	relate	VERB
fsr-3227	70	3	to	to	ADP
fsr-3227	70	4	schooling	schooling	NOUN
fsr-3227	70	5	and	and	CCONJ
fsr-3227	70	6	parental	parental	ADJ
fsr-3227	70	7	background	background	NOUN
fsr-3227	70	8	.	.	PUNCT
fsr-3227	71	1	financial	financial	ADJ
fsr-3227	71	2	literacy	literacy	NOUN
fsr-3227	71	3	is	be	AUX
fsr-3227	71	4	treated	treat	VERB
fsr-3227	71	5	as	as	ADP
fsr-3227	71	6	human	human	ADJ
fsr-3227	71	7	capital	capital	NOUN
fsr-3227	71	8	and	and	CCONJ
fsr-3227	71	9	is	be	AUX
fsr-3227	71	10	assumed	assume	VERB
fsr-3227	71	11	to	to	PART
fsr-3227	71	12	increase	increase	VERB
fsr-3227	71	13	asset	asset	NOUN
fsr-3227	71	14	returns	return	NOUN
fsr-3227	71	15	at	at	ADP
fsr-3227	71	16	a	a	DET
fsr-3227	71	17	decreasing	decrease	VERB
fsr-3227	71	18	rate	rate	NOUN
fsr-3227	71	19	.	.	PUNCT
fsr-3227	72	1	consumers	consumer	NOUN
fsr-3227	72	2	may	may	AUX
fsr-3227	72	3	choose	choose	VERB
fsr-3227	72	4	to	to	PART
fsr-3227	72	5	purchase	purchase	VERB
fsr-3227	72	6	additional	additional	ADJ
fsr-3227	72	7	financial	financial	ADJ
fsr-3227	72	8	literacy	literacy	NOUN
fsr-3227	72	9	at	at	ADP
fsr-3227	72	10	a	a	DET
fsr-3227	72	11	cost	cost	NOUN
fsr-3227	72	12	of	of	ADP
fsr-3227	72	13	money	money	NOUN
fsr-3227	72	14	,	,	PUNCT
fsr-3227	72	15	time	time	NOUN
fsr-3227	72	16	,	,	PUNCT
fsr-3227	72	17	or	or	CCONJ
fsr-3227	72	18	effort	effort	NOUN
fsr-3227	72	19	.	.	PUNCT
fsr-3227	73	1	financial	financial	ADJ
fsr-3227	73	2	literacy	literacy	NOUN
fsr-3227	73	3	and	and	CCONJ
fsr-3227	73	4	savings	saving	NOUN
fsr-3227	73	5	are	be	AUX
fsr-3227	73	6	jointly	jointly	ADV
fsr-3227	73	7	determined	determine	VERB
fsr-3227	73	8	and	and	CCONJ
fsr-3227	73	9	positively	positively	ADV
fsr-3227	73	10	correlated	correlate	VERB
fsr-3227	73	11	over	over	ADP
fsr-3227	73	12	the	the	DET
fsr-3227	73	13	life	life	NOUN
fsr-3227	73	14	cycle	cycle	NOUN
fsr-3227	73	15	.	.	PUNCT
fsr-3227	74	1	optimal	optimal	ADJ
fsr-3227	74	2	investment	investment	NOUN
fsr-3227	74	3	in	in	ADP
fsr-3227	74	4	financial	financial	ADJ
fsr-3227	74	5	literacy	literacy	NOUN
fsr-3227	74	6	is	be	AUX
fsr-3227	74	7	a	a	DET
fsr-3227	74	8	function	function	NOUN
fsr-3227	74	9	of	of	ADP
fsr-3227	74	10	income	income	NOUN
fsr-3227	74	11	,	,	PUNCT
fsr-3227	74	12	patience	patience	NOUN
fsr-3227	74	13	in	in	ADP
fsr-3227	74	14	consumption	consumption	NOUN
fsr-3227	74	15	,	,	PUNCT
fsr-3227	74	16	monetary	monetary	ADJ
fsr-3227	74	17	and	and	CCONJ
fsr-3227	74	18	time	time	NOUN
fsr-3227	74	19	/	/	SYM
fsr-3227	74	20	effort	effort	NOUN
fsr-3227	74	21	cost	cost	NOUN
fsr-3227	74	22	,	,	PUNCT
fsr-3227	74	23	the	the	DET
fsr-3227	74	24	initial	initial	ADJ
fsr-3227	74	25	stock	stock	NOUN
fsr-3227	74	26	of	of	ADP
fsr-3227	74	27	financial	financial	ADJ
fsr-3227	74	28	literacy	literacy	NOUN
fsr-3227	74	29	,	,	PUNCT
fsr-3227	74	30	and	and	CCONJ
fsr-3227	74	31	the	the	DET
fsr-3227	74	32	return	return	NOUN
fsr-3227	74	33	on	on	ADP
fsr-3227	74	34	financial	financial	ADJ
fsr-3227	74	35	literacy	literacy	NOUN
fsr-3227	74	36	.	.	PUNCT
fsr-3227	75	1	investment	investment	NOUN
fsr-3227	75	2	in	in	ADP
fsr-3227	75	3	financial	financial	ADJ
fsr-3227	75	4	literacy	literacy	NOUN
fsr-3227	75	5	increases	increase	NOUN
fsr-3227	75	6	in	in	ADP
fsr-3227	75	7	income	income	NOUN
fsr-3227	75	8	,	,	PUNCT
fsr-3227	75	9	patience	patience	NOUN
fsr-3227	75	10	in	in	ADP
fsr-3227	75	11	consumption	consumption	NOUN
fsr-3227	75	12	,	,	PUNCT
fsr-3227	75	13	and	and	CCONJ
fsr-3227	75	14	the	the	DET
fsr-3227	75	15	return	return	NOUN
fsr-3227	75	16	on	on	ADP
fsr-3227	75	17	financial	financial	ADJ
fsr-3227	75	18	literacy	literacy	NOUN
fsr-3227	75	19	and	and	CCONJ
fsr-3227	75	20	decreases	decrease	NOUN
fsr-3227	75	21	in	in	ADP
fsr-3227	75	22	the	the	DET
fsr-3227	75	23	initial	initial	ADJ
fsr-3227	75	24	stock	stock	NOUN
fsr-3227	75	25	of	of	ADP
fsr-3227	75	26	financial	financial	ADJ
fsr-3227	75	27	knowledge	knowledge	NOUN
fsr-3227	75	28	and	and	CCONJ
fsr-3227	75	29	cost	cost	NOUN
fsr-3227	75	30	.	.	PUNCT
fsr-3227	76	1	the	the	DET
fsr-3227	76	2	generosity	generosity	NOUN
fsr-3227	76	3	of	of	ADP
fsr-3227	76	4	a	a	DET
fsr-3227	76	5	financial	financial	ADJ
fsr-3227	76	6	safety	safety	NOUN
fsr-3227	76	7	net	net	NOUN
fsr-3227	76	8	(	(	PUNCT
fsr-3227	76	9	such	such	ADJ
fsr-3227	76	10	as	as	ADP
fsr-3227	76	11	social	social	ADJ
fsr-3227	76	12	security	security	NOUN
fsr-3227	76	13	)	)	PUNCT
fsr-3227	76	14	lowers	lower	VERB
fsr-3227	76	15	the	the	DET
fsr-3227	76	16	need	need	NOUN
fsr-3227	76	17	to	to	PART
fsr-3227	76	18	accumulate	accumulate	VERB
fsr-3227	76	19	wealth	wealth	NOUN
fsr-3227	76	20	and	and	CCONJ
fsr-3227	76	21	invest	invest	VERB
fsr-3227	76	22	in	in	ADP
fsr-3227	76	23	financial	financial	ADJ
fsr-3227	76	24	literacy	literacy	NOUN
fsr-3227	76	25	.	.	PUNCT
fsr-3227	77	1	the	the	DET
fsr-3227	77	2	predictions	prediction	NOUN
fsr-3227	77	3	in	in	ADP
fsr-3227	77	4	jappelli	jappelli	PROPN
fsr-3227	77	5	and	and	CCONJ
fsr-3227	77	6	padula	padula	NOUN
fsr-3227	77	7	(	(	PUNCT
fsr-3227	77	8	2013	2013	NUM
fsr-3227	77	9	)	)	PUNCT
fsr-3227	77	10	form	form	VERB
fsr-3227	77	11	the	the	DET
fsr-3227	77	12	basis	basis	NOUN
fsr-3227	77	13	of	of	ADP
fsr-3227	77	14	our	our	PRON
fsr-3227	77	15	hypotheses	hypothesis	NOUN
fsr-3227	77	16	related	relate	VERB
fsr-3227	77	17	to	to	ADP
fsr-3227	77	18	student	student	NOUN
fsr-3227	77	19	demand	demand	NOUN
fsr-3227	77	20	for	for	ADP
fsr-3227	77	21	financial	financial	ADJ
fsr-3227	77	22	education	education	NOUN
fsr-3227	77	23	while	while	SCONJ
fsr-3227	77	24	in	in	ADP
fsr-3227	77	25	college	college	NOUN
fsr-3227	77	26	.	.	PUNCT
fsr-3227	78	1	below	below	ADV
fsr-3227	78	2	,	,	PUNCT
fsr-3227	78	3	we	we	PRON
fsr-3227	78	4	relate	relate	VERB
fsr-3227	78	5	each	each	DET
fsr-3227	78	6	variable	variable	NOUN
fsr-3227	78	7	in	in	ADP
fsr-3227	78	8	the	the	DET
fsr-3227	78	9	model	model	NOUN
fsr-3227	78	10	of	of	ADP
fsr-3227	78	11	financial	financial	ADJ
fsr-3227	78	12	literacy	literacy	NOUN
fsr-3227	78	13	investment	investment	NOUN
fsr-3227	78	14	—	—	PUNCT
fsr-3227	78	15	income	income	NOUN
fsr-3227	78	16	,	,	PUNCT
fsr-3227	78	17	patience	patience	NOUN
fsr-3227	78	18	in	in	ADP
fsr-3227	78	19	consumption	consumption	NOUN
fsr-3227	78	20	,	,	PUNCT
fsr-3227	78	21	cost	cost	NOUN
fsr-3227	78	22	,	,	PUNCT
fsr-3227	78	23	the	the	DET
fsr-3227	78	24	initial	initial	ADJ
fsr-3227	78	25	stock	stock	NOUN
fsr-3227	78	26	of	of	ADP
fsr-3227	78	27	financial	financial	ADJ
fsr-3227	78	28	literacy	literacy	NOUN
fsr-3227	78	29	,	,	PUNCT
fsr-3227	78	30	return	return	VERB
fsr-3227	78	31	on	on	ADP
fsr-3227	78	32	financial	financial	ADJ
fsr-3227	78	33	literacy	literacy	NOUN
fsr-3227	78	34	,	,	PUNCT
fsr-3227	78	35	and	and	CCONJ
fsr-3227	78	36	a	a	DET
fsr-3227	78	37	safety	safety	NOUN
fsr-3227	78	38	net	net	NOUN
fsr-3227	78	39	—	—	PUNCT
fsr-3227	78	40	to	to	ADP
fsr-3227	78	41	proposed	propose	VERB
fsr-3227	78	42	measures	measure	NOUN
fsr-3227	78	43	that	that	PRON
fsr-3227	78	44	may	may	AUX
fsr-3227	78	45	explain	explain	VERB
fsr-3227	78	46	college	college	NOUN
fsr-3227	78	47	student	student	NOUN
fsr-3227	78	48	demand	demand	NOUN
fsr-3227	78	49	for	for	ADP
fsr-3227	78	50	personal	personal	ADJ
fsr-3227	78	51	finance	finance	NOUN
fsr-3227	78	52	education	education	NOUN
fsr-3227	78	53	and	and	CCONJ
fsr-3227	78	54	state	state	NOUN
fsr-3227	78	55	empirical	empirical	ADJ
fsr-3227	78	56	hypotheses	hypothesis	NOUN
fsr-3227	78	57	.	.	PUNCT
fsr-3227	79	1	2.1	2.1	NUM
fsr-3227	79	2	.	.	PUNCT
fsr-3227	79	3	income	income	NOUN
fsr-3227	79	4	income	income	NOUN
fsr-3227	79	5	is	be	AUX
fsr-3227	79	6	a	a	DET
fsr-3227	79	7	conventional	conventional	ADJ
fsr-3227	79	8	determinant	determinant	NOUN
fsr-3227	79	9	of	of	ADP
fsr-3227	79	10	demand	demand	NOUN
fsr-3227	79	11	and	and	CCONJ
fsr-3227	79	12	is	be	AUX
fsr-3227	79	13	predicted	predict	VERB
fsr-3227	79	14	to	to	PART
fsr-3227	79	15	positively	positively	ADV
fsr-3227	79	16	influence	influence	VERB
fsr-3227	79	17	investment	investment	NOUN
fsr-3227	79	18	in	in	ADP
fsr-3227	79	19	financial	financial	ADJ
fsr-3227	79	20	literacy	literacy	NOUN
fsr-3227	79	21	in	in	ADP
fsr-3227	79	22	jappelli	jappelli	PROPN
fsr-3227	79	23	and	and	CCONJ
fsr-3227	79	24	padula	padula	NOUN
fsr-3227	79	25	(	(	PUNCT
fsr-3227	79	26	2013	2013	NUM
fsr-3227	79	27	)	)	PUNCT
fsr-3227	79	28	.	.	PUNCT
fsr-3227	80	1	sources	source	NOUN
fsr-3227	80	2	of	of	ADP
fsr-3227	80	3	income	income	NOUN
fsr-3227	80	4	for	for	ADP
fsr-3227	80	5	college	college	NOUN
fsr-3227	80	6	students	student	NOUN
fsr-3227	80	7	may	may	AUX
fsr-3227	80	8	include	include	VERB
fsr-3227	80	9	labor	labor	NOUN
fsr-3227	80	10	income	income	NOUN
fsr-3227	80	11	,	,	PUNCT
fsr-3227	80	12	gifts	gift	NOUN
fsr-3227	80	13	,	,	PUNCT
fsr-3227	80	14	savings	saving	NOUN
fsr-3227	80	15	,	,	PUNCT
fsr-3227	80	16	or	or	CCONJ
fsr-3227	80	17	scholarships	scholarship	NOUN
fsr-3227	80	18	.	.	PUNCT
fsr-3227	81	1	however	however	ADV
fsr-3227	81	2	,	,	PUNCT
fsr-3227	81	3	some	some	DET
fsr-3227	81	4	students	student	NOUN
fsr-3227	81	5	may	may	AUX
fsr-3227	81	6	trade	trade	VERB
fsr-3227	81	7	off	off	ADP
fsr-3227	81	8	employment	employment	NOUN
fsr-3227	81	9	for	for	ADP
fsr-3227	81	10	studying	study	VERB
fsr-3227	81	11	and	and	CCONJ
fsr-3227	81	12	work	work	VERB
fsr-3227	81	13	part	part	ADJ
fsr-3227	81	14	-	-	PUNCT
fsr-3227	81	15	time	time	NOUN
fsr-3227	81	16	(	(	PUNCT
fsr-3227	81	17	if	if	SCONJ
fsr-3227	81	18	at	at	ADV
fsr-3227	81	19	all	all	ADV
fsr-3227	81	20	)	)	PUNCT
fsr-3227	81	21	.	.	PUNCT
fsr-3227	82	1	an	an	DET
fsr-3227	82	2	alternative	alternative	ADJ
fsr-3227	82	3	view	view	NOUN
fsr-3227	82	4	of	of	ADP
fsr-3227	82	5	income	income	NOUN
fsr-3227	82	6	is	be	AUX
fsr-3227	82	7	to	to	PART
fsr-3227	82	8	classify	classify	VERB
fsr-3227	82	9	students	student	NOUN
fsr-3227	82	10	as	as	ADP
fsr-3227	82	11	working	work	VERB
fsr-3227	82	12	or	or	CCONJ
fsr-3227	82	13	not	not	PART
fsr-3227	82	14	.	.	PUNCT
fsr-3227	83	1	the	the	DET
fsr-3227	83	2	timing	timing	NOUN
fsr-3227	83	3	of	of	ADP
fsr-3227	83	4	full	full	ADJ
fsr-3227	83	5	-	-	PUNCT
fsr-3227	83	6	time	time	NOUN
fsr-3227	83	7	labor	labor	NOUN
fsr-3227	83	8	force	force	NOUN
fsr-3227	83	9	entry	entry	NOUN
fsr-3227	83	10	may	may	AUX
fsr-3227	83	11	influence	influence	VERB
fsr-3227	83	12	the	the	DET
fsr-3227	83	13	choice	choice	NOUN
fsr-3227	83	14	to	to	PART
fsr-3227	83	15	invest	invest	VERB
fsr-3227	83	16	in	in	ADP
fsr-3227	83	17	financial	financial	ADJ
fsr-3227	83	18	education	education	NOUN
fsr-3227	83	19	while	while	SCONJ
fsr-3227	83	20	in	in	ADP
fsr-3227	83	21	school	school	NOUN
fsr-3227	83	22	.	.	PUNCT
fsr-3227	84	1	for	for	ADP
fsr-3227	84	2	example	example	NOUN
fsr-3227	84	3	,	,	PUNCT
fsr-3227	84	4	most	most	ADJ
fsr-3227	84	5	college	college	NOUN
fsr-3227	84	6	seniors	senior	NOUN
fsr-3227	84	7	expect	expect	VERB
fsr-3227	84	8	to	to	PART
fsr-3227	84	9	earn	earn	VERB
fsr-3227	84	10	full	full	ADJ
fsr-3227	84	11	-	-	PUNCT
fsr-3227	84	12	time	time	NOUN
fsr-3227	84	13	income	income	NOUN
fsr-3227	84	14	within	within	ADP
fsr-3227	84	15	one	one	NUM
fsr-3227	84	16	year	year	NOUN
fsr-3227	84	17	,	,	PUNCT
fsr-3227	84	18	whereas	whereas	SCONJ
fsr-3227	84	19	full	full	ADJ
fsr-3227	84	20	-	-	PUNCT
fsr-3227	84	21	time	time	NOUN
fsr-3227	84	22	labor	labor	NOUN
fsr-3227	84	23	force	force	NOUN
fsr-3227	84	24	entry	entry	NOUN
fsr-3227	84	25	is	be	AUX
fsr-3227	84	26	not	not	PART
fsr-3227	84	27	imminent	imminent	ADJ
fsr-3227	84	28	for	for	ADP
fsr-3227	84	29	most	most	ADJ
fsr-3227	84	30	freshmen	freshman	NOUN
fsr-3227	84	31	.	.	PUNCT
fsr-3227	85	1	other	other	ADJ
fsr-3227	85	2	things	thing	NOUN
fsr-3227	85	3	constant	constant	ADJ
fsr-3227	85	4	,	,	PUNCT
fsr-3227	85	5	year	year	NOUN
fsr-3227	85	6	in	in	ADP
fsr-3227	85	7	school	school	NOUN
fsr-3227	85	8	may	may	AUX
fsr-3227	85	9	approximate	approximate	VERB
fsr-3227	85	10	the	the	DET
fsr-3227	85	11	role	role	NOUN
fsr-3227	85	12	of	of	ADP
fsr-3227	85	13	income	income	NOUN
fsr-3227	85	14	in	in	ADP
fsr-3227	85	15	the	the	DET
fsr-3227	85	16	decision	decision	NOUN
fsr-3227	85	17	to	to	PART
fsr-3227	85	18	invest	invest	VERB
fsr-3227	85	19	in	in	ADP
fsr-3227	85	20	financial	financial	ADJ
fsr-3227	85	21	literacy	literacy	NOUN
fsr-3227	85	22	.	.	PUNCT
fsr-3227	86	1	we	we	PRON
fsr-3227	86	2	hypothesize	hypothesize	VERB
fsr-3227	86	3	that	that	DET
fsr-3227	86	4	income	income	NOUN
fsr-3227	86	5	(	(	PUNCT
fsr-3227	86	6	alternatively	alternatively	ADV
fsr-3227	86	7	measured	measure	VERB
fsr-3227	86	8	as	as	ADP
fsr-3227	86	9	current	current	ADJ
fsr-3227	86	10	income	income	NOUN
fsr-3227	86	11	,	,	PUNCT
fsr-3227	86	12	employment	employment	NOUN
fsr-3227	86	13	status	status	NOUN
fsr-3227	86	14	,	,	PUNCT
fsr-3227	86	15	and	and	CCONJ
fsr-3227	86	16	year	year	NOUN
fsr-3227	86	17	in	in	ADP
fsr-3227	86	18	school	school	NOUN
fsr-3227	86	19	)	)	PUNCT
fsr-3227	86	20	is	be	AUX
fsr-3227	86	21	positively	positively	ADV
fsr-3227	86	22	and	and	CCONJ
fsr-3227	86	23	independently	independently	ADV
fsr-3227	86	24	associated	associate	VERB
fsr-3227	86	25	with	with	ADP
fsr-3227	86	26	interest	interest	NOUN
fsr-3227	86	27	in	in	ADP
fsr-3227	86	28	personal	personal	ADJ
fsr-3227	86	29	finance	finance	NOUN
fsr-3227	86	30	education	education	NOUN
fsr-3227	86	31	while	while	SCONJ
fsr-3227	86	32	in	in	ADP
fsr-3227	86	33	college	college	NOUN
fsr-3227	86	34	.	.	PUNCT
fsr-3227	87	1	2.2	2.2	NUM
fsr-3227	87	2	.	.	PUNCT
fsr-3227	87	3	patience	patience	NOUN
fsr-3227	87	4	in	in	ADP
fsr-3227	87	5	consumption	consumption	NOUN
fsr-3227	87	6	jappelli	jappelli	ADV
fsr-3227	87	7	and	and	CCONJ
fsr-3227	87	8	padula	padula	NOUN
fsr-3227	87	9	(	(	PUNCT
fsr-3227	87	10	2013	2013	NUM
fsr-3227	87	11	)	)	PUNCT
fsr-3227	87	12	predict	predict	VERB
fsr-3227	87	13	that	that	SCONJ
fsr-3227	87	14	patience	patience	NOUN
fsr-3227	87	15	in	in	ADP
fsr-3227	87	16	consumption	consumption	NOUN
fsr-3227	87	17	drives	drive	VERB
fsr-3227	87	18	investment	investment	NOUN
fsr-3227	87	19	in	in	ADP
fsr-3227	87	20	financial	financial	ADJ
fsr-3227	87	21	literacy	literacy	NOUN
fsr-3227	87	22	.	.	PUNCT
fsr-3227	88	1	their	their	PRON
fsr-3227	88	2	empirical	empirical	ADJ
fsr-3227	88	3	results	result	NOUN
fsr-3227	88	4	support	support	VERB
fsr-3227	88	5	this	this	DET
fsr-3227	88	6	prediction	prediction	NOUN
fsr-3227	88	7	where	where	SCONJ
fsr-3227	88	8	more	more	ADJ
fsr-3227	88	9	patient	patient	ADJ
fsr-3227	88	10	consumers	consumer	NOUN
fsr-3227	88	11	choose	choose	VERB
fsr-3227	88	12	to	to	PART
fsr-3227	88	13	invest	invest	VERB
fsr-3227	88	14	in	in	ADP
fsr-3227	88	15	financial	financial	ADJ
fsr-3227	88	16	literacy	literacy	NOUN
fsr-3227	88	17	and	and	CCONJ
fsr-3227	88	18	accumulate	accumulate	VERB
fsr-3227	88	19	relatively	relatively	ADV
fsr-3227	88	20	more	more	ADJ
fsr-3227	88	21	wealth	wealth	NOUN
fsr-3227	88	22	.	.	PUNCT
fsr-3227	89	1	meier	meier	NOUN
fsr-3227	89	2	and	and	CCONJ
fsr-3227	89	3	sprenger	sprenger	NOUN
fsr-3227	89	4	(	(	PUNCT
fsr-3227	89	5	2013	2013	NUM
fsr-3227	89	6	)	)	PUNCT
fsr-3227	89	7	also	also	ADV
fsr-3227	89	8	support	support	VERB
fsr-3227	89	9	this	this	DET
fsr-3227	89	10	notion	notion	NOUN
fsr-3227	89	11	in	in	ADP
fsr-3227	89	12	a	a	DET
fsr-3227	89	13	study	study	NOUN
fsr-3227	89	14	of	of	ADP
fsr-3227	89	15	low	low	ADJ
fsr-3227	89	16	-	-	PUNCT
fsr-3227	89	17	income	income	NOUN
fsr-3227	89	18	individuals	individual	NOUN
fsr-3227	89	19	who	who	PRON
fsr-3227	89	20	are	be	AUX
fsr-3227	89	21	offered	offer	VERB
fsr-3227	89	22	a	a	DET
fsr-3227	89	23	free	free	ADJ
fsr-3227	89	24	credit	credit	NOUN
fsr-3227	89	25	counseling	counseling	NOUN
fsr-3227	89	26	session	session	NOUN
fsr-3227	89	27	as	as	ADP
fsr-3227	89	28	a	a	DET
fsr-3227	89	29	complementary	complementary	ADJ
fsr-3227	89	30	service	service	NOUN
fsr-3227	89	31	to	to	ADP
fsr-3227	89	32	the	the	DET
fsr-3227	89	33	volunteer	volunteer	NOUN
fsr-3227	89	34	income	income	NOUN
fsr-3227	89	35	tax	tax	NOUN
fsr-3227	89	36	assistance	assistance	NOUN
fsr-3227	89	37	(	(	PUNCT
fsr-3227	89	38	vita	vita	NOUN
fsr-3227	89	39	)	)	PUNCT
fsr-3227	89	40	program	program	NOUN
fsr-3227	89	41	.	.	PUNCT
fsr-3227	90	1	empirical	empirical	ADJ
fsr-3227	90	2	results	result	NOUN
fsr-3227	90	3	suggest	suggest	VERB
fsr-3227	90	4	that	that	SCONJ
fsr-3227	90	5	vita	vita	NOUN
fsr-3227	90	6	customers	customer	NOUN
fsr-3227	90	7	who	who	PRON
fsr-3227	90	8	opt	opt	VERB
fsr-3227	90	9	for	for	ADP
fsr-3227	90	10	credit	credit	NOUN
fsr-3227	90	11	counseling	counseling	NOUN
fsr-3227	90	12	are	be	AUX
fsr-3227	90	13	more	more	ADV
fsr-3227	90	14	patient	patient	ADJ
fsr-3227	90	15	in	in	ADP
fsr-3227	90	16	consumption	consumption	NOUN
fsr-3227	90	17	.	.	PUNCT
fsr-3227	91	1	based	base	VERB
fsr-3227	91	2	on	on	ADP
fsr-3227	91	3	the	the	DET
fsr-3227	91	4	theory	theory	NOUN
fsr-3227	91	5	in	in	ADP
fsr-3227	91	6	jappelli	jappelli	PROPN
fsr-3227	91	7	and	and	CCONJ
fsr-3227	91	8	padula	padula	NOUN
fsr-3227	91	9	and	and	CCONJ
fsr-3227	91	10	prior	prior	ADJ
fsr-3227	91	11	empirical	empirical	ADJ
fsr-3227	91	12	results	result	NOUN
fsr-3227	91	13	,	,	PUNCT
fsr-3227	91	14	we	we	PRON
fsr-3227	91	15	predict	predict	VERB
fsr-3227	91	16	that	that	SCONJ
fsr-3227	91	17	patience	patience	NOUN
fsr-3227	91	18	in	in	ADP
fsr-3227	91	19	consumption	consumption	NOUN
fsr-3227	91	20	will	will	AUX
fsr-3227	91	21	positively	positively	ADV
fsr-3227	91	22	influence	influence	VERB
fsr-3227	91	23	student	student	NOUN
fsr-3227	91	24	interest	interest	NOUN
fsr-3227	91	25	in	in	ADP
fsr-3227	91	26	personal	personal	ADJ
fsr-3227	91	27	finance	finance	NOUN
fsr-3227	91	28	education	education	NOUN
fsr-3227	91	29	while	while	SCONJ
fsr-3227	91	30	in	in	ADP
fsr-3227	91	31	college	college	NOUN
fsr-3227	91	32	.	.	PUNCT
fsr-3227	92	1	354	354	NUM
fsr-3227	92	2	c.	c.	PROPN
fsr-3227	92	3	harrington	harrington	PROPN
fsr-3227	92	4	,	,	PUNCT
fsr-3227	92	5	w.	w.	PROPN
fsr-3227	92	6	smith	smith	PROPN
fsr-3227	92	7	/	/	SYM
fsr-3227	92	8	financial	financial	ADJ
fsr-3227	92	9	services	service	NOUN
fsr-3227	92	10	review	review	VERB
fsr-3227	92	11	25	25	NUM
fsr-3227	92	12	(	(	PUNCT
fsr-3227	92	13	2016	2016	NUM
fsr-3227	92	14	)	)	PUNCT
fsr-3227	92	15	351–372	351–372	NUM
fsr-3227	92	16	2.3	2.3	NUM
fsr-3227	92	17	.	.	PUNCT
fsr-3227	93	1	cost	cost	NOUN
fsr-3227	93	2	of	of	ADP
fsr-3227	93	3	financial	financial	ADJ
fsr-3227	93	4	education	education	NOUN
fsr-3227	93	5	jappelli	jappelli	ADV
fsr-3227	93	6	and	and	CCONJ
fsr-3227	93	7	padula	padula	NOUN
fsr-3227	93	8	(	(	PUNCT
fsr-3227	93	9	2013	2013	NUM
fsr-3227	93	10	)	)	PUNCT
fsr-3227	93	11	suggest	suggest	VERB
fsr-3227	93	12	that	that	SCONJ
fsr-3227	93	13	the	the	DET
fsr-3227	93	14	cost	cost	NOUN
fsr-3227	93	15	of	of	ADP
fsr-3227	93	16	investing	invest	VERB
fsr-3227	93	17	in	in	ADP
fsr-3227	93	18	financial	financial	ADJ
fsr-3227	93	19	literacy	literacy	NOUN
fsr-3227	93	20	is	be	AUX
fsr-3227	93	21	related	relate	VERB
fsr-3227	93	22	to	to	ADP
fsr-3227	93	23	money	money	NOUN
fsr-3227	93	24	,	,	PUNCT
fsr-3227	93	25	time	time	NOUN
fsr-3227	93	26	,	,	PUNCT
fsr-3227	93	27	or	or	CCONJ
fsr-3227	93	28	effort	effort	NOUN
fsr-3227	93	29	.	.	PUNCT
fsr-3227	94	1	for	for	ADP
fsr-3227	94	2	college	college	NOUN
fsr-3227	94	3	students	student	NOUN
fsr-3227	94	4	,	,	PUNCT
fsr-3227	94	5	we	we	PRON
fsr-3227	94	6	assume	assume	VERB
fsr-3227	94	7	that	that	SCONJ
fsr-3227	94	8	the	the	DET
fsr-3227	94	9	marginal	marginal	ADJ
fsr-3227	94	10	monetary	monetary	ADJ
fsr-3227	94	11	cost	cost	NOUN
fsr-3227	94	12	is	be	AUX
fsr-3227	94	13	relatively	relatively	ADV
fsr-3227	94	14	low	low	ADJ
fsr-3227	94	15	if	if	SCONJ
fsr-3227	94	16	a	a	DET
fsr-3227	94	17	personal	personal	ADJ
fsr-3227	94	18	finance	finance	NOUN
fsr-3227	94	19	course	course	NOUN
fsr-3227	94	20	is	be	AUX
fsr-3227	94	21	taken	take	VERB
fsr-3227	94	22	as	as	ADP
fsr-3227	94	23	a	a	DET
fsr-3227	94	24	nonoverload	nonoverload	NOUN
fsr-3227	94	25	elective	elective	NOUN
fsr-3227	94	26	or	or	CCONJ
fsr-3227	94	27	the	the	DET
fsr-3227	94	28	student	student	NOUN
fsr-3227	94	29	uses	use	VERB
fsr-3227	94	30	a	a	DET
fsr-3227	94	31	campus	campus	NOUN
fsr-3227	94	32	-	-	PUNCT
fsr-3227	94	33	provided	provide	VERB
fsr-3227	94	34	personal	personal	ADJ
fsr-3227	94	35	finance	finance	NOUN
fsr-3227	94	36	resource	resource	NOUN
fsr-3227	94	37	(	(	PUNCT
fsr-3227	94	38	counseling	counseling	NOUN
fsr-3227	94	39	,	,	PUNCT
fsr-3227	94	40	workshop	workshop	NOUN
fsr-3227	94	41	,	,	PUNCT
fsr-3227	94	42	web	web	NOUN
fsr-3227	94	43	site	site	NOUN
fsr-3227	94	44	,	,	PUNCT
fsr-3227	94	45	etc	etc	X
fsr-3227	94	46	.	.	X
fsr-3227	94	47	)	)	PUNCT
fsr-3227	94	48	.	.	PUNCT
fsr-3227	95	1	however	however	ADV
fsr-3227	95	2	,	,	PUNCT
fsr-3227	95	3	acquiring	acquire	VERB
fsr-3227	95	4	financial	financial	ADJ
fsr-3227	95	5	education	education	NOUN
fsr-3227	95	6	by	by	ADP
fsr-3227	95	7	taking	take	VERB
fsr-3227	95	8	a	a	DET
fsr-3227	95	9	personal	personal	ADJ
fsr-3227	95	10	finance	finance	NOUN
fsr-3227	95	11	course	course	NOUN
fsr-3227	95	12	,	,	PUNCT
fsr-3227	95	13	attending	attend	VERB
fsr-3227	95	14	a	a	DET
fsr-3227	95	15	free	free	ADJ
fsr-3227	95	16	campus	campus	NOUN
fsr-3227	95	17	counseling	counseling	NOUN
fsr-3227	95	18	session	session	NOUN
fsr-3227	95	19	,	,	PUNCT
fsr-3227	95	20	workshop	workshop	NOUN
fsr-3227	95	21	,	,	PUNCT
fsr-3227	95	22	or	or	CCONJ
fsr-3227	95	23	using	use	VERB
fsr-3227	95	24	online	online	ADJ
fsr-3227	95	25	resources	resource	NOUN
fsr-3227	95	26	requires	require	VERB
fsr-3227	95	27	time	time	NOUN
fsr-3227	95	28	and	and	CCONJ
fsr-3227	95	29	effort	effort	NOUN
fsr-3227	95	30	.	.	PUNCT
fsr-3227	96	1	because	because	SCONJ
fsr-3227	96	2	the	the	DET
fsr-3227	96	3	monetary	monetary	ADJ
fsr-3227	96	4	cost	cost	NOUN
fsr-3227	96	5	is	be	AUX
fsr-3227	96	6	likely	likely	ADV
fsr-3227	96	7	low	low	ADJ
fsr-3227	96	8	for	for	ADP
fsr-3227	96	9	college	college	NOUN
fsr-3227	96	10	students	student	NOUN
fsr-3227	96	11	,	,	PUNCT
fsr-3227	96	12	we	we	PRON
fsr-3227	96	13	focus	focus	VERB
fsr-3227	96	14	on	on	ADP
fsr-3227	96	15	time	time	NOUN
fsr-3227	96	16	and	and	CCONJ
fsr-3227	96	17	effort	effort	NOUN
fsr-3227	96	18	costs	cost	NOUN
fsr-3227	96	19	of	of	ADP
fsr-3227	96	20	acquiring	acquire	VERB
fsr-3227	96	21	financial	financial	ADJ
fsr-3227	96	22	literacy	literacy	NOUN
fsr-3227	96	23	while	while	SCONJ
fsr-3227	96	24	in	in	ADP
fsr-3227	96	25	college	college	NOUN
fsr-3227	96	26	.	.	PUNCT
fsr-3227	97	1	we	we	PRON
fsr-3227	97	2	predict	predict	VERB
fsr-3227	97	3	that	that	SCONJ
fsr-3227	97	4	higher	high	ADJ
fsr-3227	97	5	perceived	perceive	VERB
fsr-3227	97	6	time	time	NOUN
fsr-3227	97	7	and	and	CCONJ
fsr-3227	97	8	effort	effort	NOUN
fsr-3227	97	9	costs	cost	NOUN
fsr-3227	97	10	will	will	AUX
fsr-3227	97	11	reduce	reduce	VERB
fsr-3227	97	12	the	the	DET
fsr-3227	97	13	demand	demand	NOUN
fsr-3227	97	14	for	for	ADP
fsr-3227	97	15	personal	personal	ADJ
fsr-3227	97	16	finance	finance	NOUN
fsr-3227	97	17	education	education	NOUN
fsr-3227	97	18	.	.	PUNCT
fsr-3227	98	1	2.4	2.4	NUM
fsr-3227	98	2	.	.	PUNCT
fsr-3227	98	3	initial	initial	ADJ
fsr-3227	98	4	stock	stock	NOUN
fsr-3227	98	5	of	of	ADP
fsr-3227	98	6	financial	financial	ADJ
fsr-3227	98	7	literacy	literacy	NOUN
fsr-3227	98	8	the	the	DET
fsr-3227	98	9	model	model	NOUN
fsr-3227	98	10	in	in	ADP
fsr-3227	98	11	jappelli	jappelli	PROPN
fsr-3227	98	12	and	and	CCONJ
fsr-3227	98	13	padula	padula	NOUN
fsr-3227	98	14	(	(	PUNCT
fsr-3227	98	15	2013	2013	NUM
fsr-3227	98	16	)	)	PUNCT
fsr-3227	98	17	predicts	predict	VERB
fsr-3227	98	18	that	that	SCONJ
fsr-3227	98	19	a	a	DET
fsr-3227	98	20	higher	high	ADJ
fsr-3227	98	21	initial	initial	ADJ
fsr-3227	98	22	stock	stock	NOUN
fsr-3227	98	23	of	of	ADP
fsr-3227	98	24	financial	financial	ADJ
fsr-3227	98	25	literacy	literacy	NOUN
fsr-3227	98	26	reduces	reduce	VERB
fsr-3227	98	27	investment	investment	NOUN
fsr-3227	98	28	in	in	ADP
fsr-3227	98	29	financial	financial	ADJ
fsr-3227	98	30	literacy	literacy	NOUN
fsr-3227	98	31	.	.	PUNCT
fsr-3227	99	1	the	the	DET
fsr-3227	99	2	initial	initial	ADJ
fsr-3227	99	3	stock	stock	NOUN
fsr-3227	99	4	of	of	ADP
fsr-3227	99	5	financial	financial	ADJ
fsr-3227	99	6	literacy	literacy	NOUN
fsr-3227	99	7	may	may	AUX
fsr-3227	99	8	result	result	VERB
fsr-3227	99	9	from	from	ADP
fsr-3227	99	10	prior	prior	ADJ
fsr-3227	99	11	personal	personal	ADJ
fsr-3227	99	12	finance	finance	NOUN
fsr-3227	99	13	education	education	NOUN
fsr-3227	99	14	while	while	SCONJ
fsr-3227	99	15	in	in	ADP
fsr-3227	99	16	high	high	ADJ
fsr-3227	99	17	school	school	NOUN
fsr-3227	99	18	,	,	PUNCT
fsr-3227	99	19	from	from	ADP
fsr-3227	99	20	parents	parent	NOUN
fsr-3227	99	21	,	,	PUNCT
fsr-3227	99	22	or	or	CCONJ
fsr-3227	99	23	other	other	ADJ
fsr-3227	99	24	sources	source	NOUN
fsr-3227	99	25	.	.	PUNCT
fsr-3227	100	1	while	while	SCONJ
fsr-3227	100	2	many	many	ADJ
fsr-3227	100	3	u.s	u.s	PROPN
fsr-3227	100	4	.	.	PROPN
fsr-3227	100	5	college	college	NOUN
fsr-3227	100	6	students	student	NOUN
fsr-3227	100	7	are	be	AUX
fsr-3227	100	8	exposed	expose	VERB
fsr-3227	100	9	to	to	ADP
fsr-3227	100	10	formal	formal	ADJ
fsr-3227	100	11	training	training	NOUN
fsr-3227	100	12	in	in	ADP
fsr-3227	100	13	personal	personal	ADJ
fsr-3227	100	14	finance	finance	NOUN
fsr-3227	100	15	in	in	ADP
fsr-3227	100	16	grades	grade	NOUN
fsr-3227	100	17	k–12	k–12	PROPN
fsr-3227	100	18	,	,	PUNCT
fsr-3227	100	19	the	the	DET
fsr-3227	100	20	state	state	NOUN
fsr-3227	100	21	-	-	PUNCT
fsr-3227	100	22	mandated	mandate	VERB
fsr-3227	100	23	depth	depth	NOUN
fsr-3227	100	24	and	and	CCONJ
fsr-3227	100	25	quantity	quantity	NOUN
fsr-3227	100	26	of	of	ADP
fsr-3227	100	27	the	the	DET
fsr-3227	100	28	exposure	exposure	NOUN
fsr-3227	100	29	may	may	AUX
fsr-3227	100	30	vary	vary	VERB
fsr-3227	100	31	greatly	greatly	ADV
fsr-3227	100	32	.	.	PUNCT
fsr-3227	101	1	according	accord	VERB
fsr-3227	101	2	to	to	ADP
fsr-3227	101	3	the	the	DET
fsr-3227	101	4	2014	2014	NUM
fsr-3227	101	5	survey	survey	NOUN
fsr-3227	101	6	of	of	ADP
fsr-3227	101	7	the	the	DET
fsr-3227	101	8	states	state	NOUN
fsr-3227	101	9	conducted	conduct	VERB
fsr-3227	101	10	by	by	ADP
fsr-3227	101	11	the	the	DET
fsr-3227	101	12	council	council	NOUN
fsr-3227	101	13	for	for	ADP
fsr-3227	101	14	economic	economic	ADJ
fsr-3227	101	15	education	education	NOUN
fsr-3227	101	16	,	,	PUNCT
fsr-3227	101	17	43	43	NUM
fsr-3227	101	18	states	state	NOUN
fsr-3227	101	19	include	include	VERB
fsr-3227	101	20	personal	personal	ADJ
fsr-3227	101	21	finance	finance	NOUN
fsr-3227	101	22	in	in	ADP
fsr-3227	101	23	the	the	DET
fsr-3227	101	24	k–12	k–12	PROPN
fsr-3227	101	25	education	education	NOUN
fsr-3227	101	26	standards	standard	NOUN
fsr-3227	101	27	.	.	PUNCT
fsr-3227	102	1	of	of	ADP
fsr-3227	102	2	these	these	DET
fsr-3227	102	3	43	43	NUM
fsr-3227	102	4	states	state	NOUN
fsr-3227	102	5	,	,	PUNCT
fsr-3227	102	6	only	only	ADV
fsr-3227	102	7	19	19	NUM
fsr-3227	102	8	require	require	VERB
fsr-3227	102	9	a	a	DET
fsr-3227	102	10	stand	stand	VERB
fsr-3227	102	11	-	-	PUNCT
fsr-3227	102	12	alone	alone	ADJ
fsr-3227	102	13	personal	personal	ADJ
fsr-3227	102	14	finance	finance	NOUN
fsr-3227	102	15	course	course	NOUN
fsr-3227	102	16	to	to	PART
fsr-3227	102	17	be	be	AUX
fsr-3227	102	18	offered	offer	VERB
fsr-3227	102	19	in	in	ADP
fsr-3227	102	20	high	high	ADJ
fsr-3227	102	21	school	school	NOUN
fsr-3227	102	22	,	,	PUNCT
fsr-3227	102	23	and	and	CCONJ
fsr-3227	102	24	17	17	NUM
fsr-3227	102	25	of	of	ADP
fsr-3227	102	26	the	the	DET
fsr-3227	102	27	19	19	NUM
fsr-3227	102	28	states	state	NOUN
fsr-3227	102	29	require	require	VERB
fsr-3227	102	30	the	the	DET
fsr-3227	102	31	course	course	NOUN
fsr-3227	102	32	as	as	ADP
fsr-3227	102	33	part	part	NOUN
fsr-3227	102	34	of	of	ADP
fsr-3227	102	35	the	the	DET
fsr-3227	102	36	curriculum	curriculum	NOUN
fsr-3227	102	37	.	.	PUNCT
fsr-3227	103	1	states	state	VERB
fsr-3227	103	2	that	that	PRON
fsr-3227	103	3	require	require	VERB
fsr-3227	103	4	personal	personal	ADJ
fsr-3227	103	5	finance	finance	NOUN
fsr-3227	103	6	in	in	ADP
fsr-3227	103	7	high	high	ADJ
fsr-3227	103	8	school	school	NOUN
fsr-3227	103	9	change	change	NOUN
fsr-3227	103	10	from	from	ADP
fsr-3227	103	11	year	year	NOUN
fsr-3227	103	12	to	to	ADP
fsr-3227	103	13	year	year	NOUN
fsr-3227	103	14	.	.	PUNCT
fsr-3227	104	1	for	for	ADP
fsr-3227	104	2	example	example	NOUN
fsr-3227	104	3	,	,	PUNCT
fsr-3227	104	4	new	new	PROPN
fsr-3227	104	5	york	york	PROPN
fsr-3227	104	6	drops	drop	NOUN
fsr-3227	104	7	and	and	CCONJ
fsr-3227	104	8	florida	florida	PROPN
fsr-3227	104	9	adds	add	VERB
fsr-3227	104	10	the	the	DET
fsr-3227	104	11	requirement	requirement	NOUN
fsr-3227	104	12	between	between	ADP
fsr-3227	104	13	2011	2011	NUM
fsr-3227	104	14	and	and	CCONJ
fsr-3227	104	15	2014	2014	NUM
fsr-3227	104	16	(	(	PUNCT
fsr-3227	104	17	council	council	NOUN
fsr-3227	104	18	for	for	ADP
fsr-3227	104	19	economic	economic	ADJ
fsr-3227	104	20	education	education	NOUN
fsr-3227	104	21	,	,	PUNCT
fsr-3227	104	22	2014	2014	NUM
fsr-3227	104	23	)	)	PUNCT
fsr-3227	104	24	.	.	PUNCT
fsr-3227	105	1	the	the	DET
fsr-3227	105	2	uneven	uneven	ADJ
fsr-3227	105	3	state	state	NOUN
fsr-3227	105	4	mandates	mandate	NOUN
fsr-3227	105	5	for	for	ADP
fsr-3227	105	6	personal	personal	ADJ
fsr-3227	105	7	finance	finance	NOUN
fsr-3227	105	8	education	education	NOUN
fsr-3227	105	9	in	in	ADP
fsr-3227	105	10	grades	grade	NOUN
fsr-3227	105	11	k–12	k–12	PROPN
fsr-3227	105	12	may	may	AUX
fsr-3227	105	13	endow	endow	VERB
fsr-3227	105	14	the	the	DET
fsr-3227	105	15	typical	typical	ADJ
fsr-3227	105	16	high	high	ADJ
fsr-3227	105	17	school	school	NOUN
fsr-3227	105	18	graduate	graduate	NOUN
fsr-3227	105	19	with	with	ADP
fsr-3227	105	20	a	a	DET
fsr-3227	105	21	small	small	ADJ
fsr-3227	105	22	stock	stock	NOUN
fsr-3227	105	23	of	of	ADP
fsr-3227	105	24	financial	financial	ADJ
fsr-3227	105	25	literacy	literacy	NOUN
fsr-3227	105	26	(	(	PUNCT
fsr-3227	105	27	e.g.	e.g.	ADV
fsr-3227	105	28	,	,	PUNCT
fsr-3227	105	29	chen	chen	PROPN
fsr-3227	105	30	and	and	CCONJ
fsr-3227	105	31	volpe	volpe	PROPN
fsr-3227	105	32	,	,	PUNCT
fsr-3227	105	33	1998	1998	NUM
fsr-3227	105	34	;	;	PUNCT
fsr-3227	105	35	cummins	cummin	NOUN
fsr-3227	105	36	,	,	PUNCT
fsr-3227	105	37	haskell	haskell	NOUN
fsr-3227	105	38	,	,	PUNCT
fsr-3227	105	39	and	and	CCONJ
fsr-3227	105	40	jenkins	jenkin	NOUN
fsr-3227	105	41	,	,	PUNCT
fsr-3227	105	42	2009	2009	NUM
fsr-3227	105	43	)	)	PUNCT
fsr-3227	105	44	.	.	PUNCT
fsr-3227	106	1	mandell	mandell	PROPN
fsr-3227	106	2	and	and	CCONJ
fsr-3227	106	3	klein	klein	PROPN
fsr-3227	106	4	(	(	PUNCT
fsr-3227	106	5	2009	2009	NUM
fsr-3227	106	6	)	)	PUNCT
fsr-3227	106	7	find	find	VERB
fsr-3227	106	8	no	no	DET
fsr-3227	106	9	significant	significant	ADJ
fsr-3227	106	10	difference	difference	NOUN
fsr-3227	106	11	in	in	ADP
fsr-3227	106	12	the	the	DET
fsr-3227	106	13	spending	spending	NOUN
fsr-3227	106	14	and	and	CCONJ
fsr-3227	106	15	saving	saving	NOUN
fsr-3227	106	16	habits	habit	NOUN
fsr-3227	106	17	of	of	ADP
fsr-3227	106	18	individuals	individual	NOUN
fsr-3227	106	19	who	who	PRON
fsr-3227	106	20	receive	receive	VERB
fsr-3227	106	21	personal	personal	ADJ
fsr-3227	106	22	finance	finance	NOUN
fsr-3227	106	23	education	education	NOUN
fsr-3227	106	24	while	while	SCONJ
fsr-3227	106	25	in	in	ADP
fsr-3227	106	26	high	high	ADJ
fsr-3227	106	27	school	school	NOUN
fsr-3227	106	28	compared	compare	VERB
fsr-3227	106	29	with	with	ADP
fsr-3227	106	30	a	a	DET
fsr-3227	106	31	control	control	NOUN
fsr-3227	106	32	sample	sample	NOUN
fsr-3227	106	33	.	.	PUNCT
fsr-3227	107	1	in	in	ADP
fsr-3227	107	2	chen	chen	PROPN
fsr-3227	107	3	and	and	CCONJ
fsr-3227	107	4	volpe	volpe	PROPN
fsr-3227	107	5	(	(	PUNCT
fsr-3227	107	6	2002	2002	NUM
fsr-3227	107	7	)	)	PUNCT
fsr-3227	107	8	,	,	PUNCT
fsr-3227	107	9	most	most	ADJ
fsr-3227	107	10	students	student	NOUN
fsr-3227	107	11	do	do	AUX
fsr-3227	107	12	not	not	PART
fsr-3227	107	13	recognize	recognize	VERB
fsr-3227	107	14	personal	personal	ADJ
fsr-3227	107	15	finance	finance	NOUN
fsr-3227	107	16	education	education	NOUN
fsr-3227	107	17	in	in	ADP
fsr-3227	107	18	high	high	ADJ
fsr-3227	107	19	school	school	NOUN
fsr-3227	107	20	as	as	ADP
fsr-3227	107	21	a	a	DET
fsr-3227	107	22	source	source	NOUN
fsr-3227	107	23	of	of	ADP
fsr-3227	107	24	financial	financial	ADJ
fsr-3227	107	25	education	education	NOUN
fsr-3227	107	26	and	and	CCONJ
fsr-3227	107	27	instead	instead	ADV
fsr-3227	107	28	indicate	indicate	VERB
fsr-3227	107	29	parents	parent	NOUN
fsr-3227	107	30	or	or	CCONJ
fsr-3227	107	31	prior	prior	ADJ
fsr-3227	107	32	financial	financial	ADJ
fsr-3227	107	33	mistakes	mistake	NOUN
fsr-3227	107	34	as	as	ADP
fsr-3227	107	35	the	the	DET
fsr-3227	107	36	leading	lead	VERB
fsr-3227	107	37	sources	source	NOUN
fsr-3227	107	38	of	of	ADP
fsr-3227	107	39	financial	financial	ADJ
fsr-3227	107	40	education	education	NOUN
fsr-3227	107	41	.	.	PUNCT
fsr-3227	108	1	however	however	ADV
fsr-3227	108	2	,	,	PUNCT
fsr-3227	108	3	prior	prior	ADJ
fsr-3227	108	4	financial	financial	ADJ
fsr-3227	108	5	education	education	NOUN
fsr-3227	108	6	may	may	AUX
fsr-3227	108	7	increase	increase	VERB
fsr-3227	108	8	interest	interest	NOUN
fsr-3227	108	9	in	in	ADP
fsr-3227	108	10	acquiring	acquire	VERB
fsr-3227	108	11	additional	additional	ADJ
fsr-3227	108	12	financial	financial	ADJ
fsr-3227	108	13	education	education	NOUN
fsr-3227	108	14	(	(	PUNCT
fsr-3227	108	15	goetz	goetz	PROPN
fsr-3227	108	16	,	,	PUNCT
fsr-3227	108	17	cude	cude	ADJ
fsr-3227	108	18	,	,	PUNCT
fsr-3227	108	19	nielsen	nielsen	PROPN
fsr-3227	108	20	,	,	PUNCT
fsr-3227	108	21	chatterjee	chatterjee	PROPN
fsr-3227	108	22	,	,	PUNCT
fsr-3227	108	23	and	and	CCONJ
fsr-3227	108	24	mimura	mimura	NOUN
fsr-3227	108	25	,	,	PUNCT
fsr-3227	108	26	2011	2011	NUM
fsr-3227	108	27	)	)	PUNCT
fsr-3227	108	28	.	.	PUNCT
fsr-3227	109	1	experience	experience	NOUN
fsr-3227	109	2	with	with	ADP
fsr-3227	109	3	debt	debt	NOUN
fsr-3227	109	4	may	may	AUX
fsr-3227	109	5	contribute	contribute	VERB
fsr-3227	109	6	to	to	ADP
fsr-3227	109	7	the	the	DET
fsr-3227	109	8	initial	initial	ADJ
fsr-3227	109	9	stock	stock	NOUN
fsr-3227	109	10	of	of	ADP
fsr-3227	109	11	financial	financial	ADJ
fsr-3227	109	12	literacy	literacy	NOUN
fsr-3227	109	13	.	.	PUNCT
fsr-3227	110	1	students	student	NOUN
fsr-3227	110	2	who	who	PRON
fsr-3227	110	3	are	be	AUX
fsr-3227	110	4	responsible	responsible	ADJ
fsr-3227	110	5	for	for	ADP
fsr-3227	110	6	paying	pay	VERB
fsr-3227	110	7	credit	credit	NOUN
fsr-3227	110	8	card	card	NOUN
fsr-3227	110	9	bills	bill	NOUN
fsr-3227	110	10	or	or	CCONJ
fsr-3227	110	11	have	have	VERB
fsr-3227	110	12	other	other	ADJ
fsr-3227	110	13	personal	personal	ADJ
fsr-3227	110	14	loans	loan	NOUN
fsr-3227	110	15	may	may	AUX
fsr-3227	110	16	have	have	VERB
fsr-3227	110	17	relatively	relatively	ADV
fsr-3227	110	18	more	more	ADJ
fsr-3227	110	19	financial	financial	ADJ
fsr-3227	110	20	knowledge	knowledge	NOUN
fsr-3227	110	21	gained	gain	VERB
fsr-3227	110	22	through	through	ADP
fsr-3227	110	23	experience	experience	NOUN
fsr-3227	110	24	with	with	ADP
fsr-3227	110	25	debt	debt	NOUN
fsr-3227	110	26	products	product	NOUN
fsr-3227	110	27	.	.	PUNCT
fsr-3227	111	1	a	a	DET
fsr-3227	111	2	student	student	NOUN
fsr-3227	111	3	with	with	ADP
fsr-3227	111	4	accumulated	accumulate	VERB
fsr-3227	111	5	debt	debt	NOUN
fsr-3227	111	6	may	may	AUX
fsr-3227	111	7	be	be	AUX
fsr-3227	111	8	interested	interested	ADJ
fsr-3227	111	9	in	in	ADP
fsr-3227	111	10	financial	financial	ADJ
fsr-3227	111	11	education	education	NOUN
fsr-3227	111	12	as	as	ADP
fsr-3227	111	13	a	a	DET
fsr-3227	111	14	way	way	NOUN
fsr-3227	111	15	to	to	PART
fsr-3227	111	16	improve	improve	VERB
fsr-3227	111	17	debt	debt	NOUN
fsr-3227	111	18	management	management	NOUN
fsr-3227	111	19	.	.	PUNCT
fsr-3227	112	1	lyons	lyons	PROPN
fsr-3227	112	2	(	(	PUNCT
fsr-3227	112	3	2004	2004	NUM
fsr-3227	112	4	)	)	PUNCT
fsr-3227	112	5	finds	find	VERB
fsr-3227	112	6	that	that	SCONJ
fsr-3227	112	7	students	student	NOUN
fsr-3227	112	8	who	who	PRON
fsr-3227	112	9	are	be	AUX
fsr-3227	112	10	delinquent	delinquent	ADJ
fsr-3227	112	11	on	on	ADP
fsr-3227	112	12	credit	credit	NOUN
fsr-3227	112	13	card	card	NOUN
fsr-3227	112	14	payments	payment	NOUN
fsr-3227	112	15	have	have	VERB
fsr-3227	112	16	the	the	DET
fsr-3227	112	17	highest	high	ADJ
fsr-3227	112	18	demand	demand	NOUN
fsr-3227	112	19	for	for	ADP
fsr-3227	112	20	financial	financial	ADJ
fsr-3227	112	21	education	education	NOUN
fsr-3227	112	22	.	.	PUNCT
fsr-3227	113	1	however	however	ADV
fsr-3227	113	2	,	,	PUNCT
fsr-3227	113	3	meier	meier	NOUN
fsr-3227	113	4	and	and	CCONJ
fsr-3227	113	5	sprenger	sprenger	NOUN
fsr-3227	113	6	(	(	PUNCT
fsr-3227	113	7	2013	2013	NUM
fsr-3227	113	8	)	)	PUNCT
fsr-3227	113	9	do	do	AUX
fsr-3227	113	10	not	not	PART
fsr-3227	113	11	find	find	VERB
fsr-3227	113	12	that	that	SCONJ
fsr-3227	113	13	prior	prior	ADJ
fsr-3227	113	14	financial	financial	ADJ
fsr-3227	113	15	experience	experience	NOUN
fsr-3227	113	16	and	and	CCONJ
fsr-3227	113	17	knowledge	knowledge	NOUN
fsr-3227	113	18	influence	influence	NOUN
fsr-3227	113	19	demand	demand	NOUN
fsr-3227	113	20	for	for	ADP
fsr-3227	113	21	additional	additional	ADJ
fsr-3227	113	22	financial	financial	ADJ
fsr-3227	113	23	education	education	NOUN
fsr-3227	113	24	in	in	ADP
fsr-3227	113	25	the	the	DET
fsr-3227	113	26	form	form	NOUN
fsr-3227	113	27	of	of	ADP
fsr-3227	113	28	credit	credit	NOUN
fsr-3227	113	29	counseling	counseling	NOUN
fsr-3227	113	30	.	.	PUNCT
fsr-3227	114	1	355c	355c	PROPN
fsr-3227	114	2	.	.	PUNCT
fsr-3227	115	1	harrington	harrington	PROPN
fsr-3227	115	2	,	,	PUNCT
fsr-3227	115	3	w.	w.	PROPN
fsr-3227	115	4	smith	smith	PROPN
fsr-3227	115	5	/	/	SYM
fsr-3227	115	6	financial	financial	ADJ
fsr-3227	115	7	services	service	NOUN
fsr-3227	115	8	review	review	VERB
fsr-3227	115	9	25	25	NUM
fsr-3227	115	10	(	(	PUNCT
fsr-3227	115	11	2016	2016	NUM
fsr-3227	115	12	)	)	PUNCT
fsr-3227	116	1	351–372	351–372	NUM
fsr-3227	116	2	in	in	ADP
fsr-3227	116	3	summary	summary	NOUN
fsr-3227	116	4	,	,	PUNCT
fsr-3227	116	5	prior	prior	ADJ
fsr-3227	116	6	studies	study	NOUN
fsr-3227	116	7	suggest	suggest	VERB
fsr-3227	116	8	two	two	NUM
fsr-3227	116	9	measures	measure	NOUN
fsr-3227	116	10	of	of	ADP
fsr-3227	116	11	the	the	DET
fsr-3227	116	12	initial	initial	ADJ
fsr-3227	116	13	stock	stock	NOUN
fsr-3227	116	14	of	of	ADP
fsr-3227	116	15	financial	financial	ADJ
fsr-3227	116	16	literacy	literacy	NOUN
fsr-3227	116	17	:	:	PUNCT
fsr-3227	116	18	prior	prior	ADJ
fsr-3227	116	19	financial	financial	ADJ
fsr-3227	116	20	education	education	NOUN
fsr-3227	116	21	and	and	CCONJ
fsr-3227	116	22	debt	debt	NOUN
fsr-3227	116	23	experience	experience	NOUN
fsr-3227	116	24	.	.	PUNCT
fsr-3227	117	1	however	however	ADV
fsr-3227	117	2	,	,	PUNCT
fsr-3227	117	3	empirical	empirical	ADJ
fsr-3227	117	4	results	result	NOUN
fsr-3227	117	5	for	for	ADP
fsr-3227	117	6	these	these	DET
fsr-3227	117	7	measures	measure	NOUN
fsr-3227	117	8	do	do	AUX
fsr-3227	117	9	not	not	PART
fsr-3227	117	10	clearly	clearly	ADV
fsr-3227	117	11	support	support	VERB
fsr-3227	117	12	the	the	DET
fsr-3227	117	13	jappelli	jappelli	ADJ
fsr-3227	117	14	-	-	PUNCT
fsr-3227	117	15	padula	padula	NOUN
fsr-3227	117	16	model	model	NOUN
fsr-3227	117	17	prediction	prediction	NOUN
fsr-3227	117	18	that	that	SCONJ
fsr-3227	117	19	the	the	DET
fsr-3227	117	20	initial	initial	ADJ
fsr-3227	117	21	stock	stock	NOUN
fsr-3227	117	22	of	of	ADP
fsr-3227	117	23	financial	financial	ADJ
fsr-3227	117	24	literacy	literacy	NOUN
fsr-3227	117	25	reduces	reduce	VERB
fsr-3227	117	26	the	the	DET
fsr-3227	117	27	incentive	incentive	NOUN
fsr-3227	117	28	to	to	PART
fsr-3227	117	29	invest	invest	VERB
fsr-3227	117	30	in	in	ADP
fsr-3227	117	31	financial	financial	ADJ
fsr-3227	117	32	literacy	literacy	NOUN
fsr-3227	117	33	.	.	PUNCT
fsr-3227	118	1	therefore	therefore	ADV
fsr-3227	118	2	,	,	PUNCT
fsr-3227	118	3	the	the	DET
fsr-3227	118	4	influence	influence	NOUN
fsr-3227	118	5	of	of	ADP
fsr-3227	118	6	prior	prior	ADJ
fsr-3227	118	7	financial	financial	ADJ
fsr-3227	118	8	education	education	NOUN
fsr-3227	118	9	and	and	CCONJ
fsr-3227	118	10	debt	debt	NOUN
fsr-3227	118	11	experience	experience	NOUN
fsr-3227	118	12	on	on	ADP
fsr-3227	118	13	interest	interest	NOUN
fsr-3227	118	14	in	in	ADP
fsr-3227	118	15	investing	invest	VERB
fsr-3227	118	16	in	in	ADP
fsr-3227	118	17	personal	personal	ADJ
fsr-3227	118	18	finance	finance	NOUN
fsr-3227	118	19	education	education	NOUN
fsr-3227	118	20	while	while	SCONJ
fsr-3227	118	21	in	in	ADP
fsr-3227	118	22	college	college	NOUN
fsr-3227	118	23	is	be	AUX
fsr-3227	118	24	ambiguous	ambiguous	ADJ
fsr-3227	118	25	.	.	PUNCT
fsr-3227	119	1	2.5	2.5	NUM
fsr-3227	119	2	.	.	PUNCT
fsr-3227	120	1	numerical	numerical	ADJ
fsr-3227	120	2	ability	ability	NOUN
fsr-3227	120	3	prior	prior	ADJ
fsr-3227	120	4	studies	study	NOUN
fsr-3227	120	5	suggest	suggest	VERB
fsr-3227	120	6	that	that	SCONJ
fsr-3227	120	7	numerical	numerical	ADJ
fsr-3227	120	8	ability	ability	NOUN
fsr-3227	120	9	may	may	AUX
fsr-3227	120	10	summarize	summarize	VERB
fsr-3227	120	11	patience	patience	NOUN
fsr-3227	120	12	in	in	ADP
fsr-3227	120	13	consumption	consumption	NOUN
fsr-3227	120	14	and	and	CCONJ
fsr-3227	120	15	time	time	NOUN
fsr-3227	120	16	or	or	CCONJ
fsr-3227	120	17	effort	effort	NOUN
fsr-3227	120	18	cost	cost	NOUN
fsr-3227	120	19	.	.	PUNCT
fsr-3227	121	1	for	for	ADP
fsr-3227	121	2	example	example	NOUN
fsr-3227	121	3	,	,	PUNCT
fsr-3227	121	4	agarwal	agarwal	PROPN
fsr-3227	121	5	and	and	CCONJ
fsr-3227	121	6	mazumder	mazumder	PROPN
fsr-3227	121	7	(	(	PUNCT
fsr-3227	121	8	2013	2013	NUM
fsr-3227	121	9	)	)	PUNCT
fsr-3227	121	10	find	find	VERB
fsr-3227	121	11	that	that	SCONJ
fsr-3227	121	12	patience	patience	NOUN
fsr-3227	121	13	in	in	ADP
fsr-3227	121	14	consumption	consumption	NOUN
fsr-3227	121	15	is	be	AUX
fsr-3227	121	16	strongly	strongly	ADV
fsr-3227	121	17	correlated	correlate	VERB
fsr-3227	121	18	with	with	ADP
fsr-3227	121	19	math	math	NOUN
fsr-3227	121	20	ability	ability	NOUN
fsr-3227	121	21	.	.	PUNCT
fsr-3227	122	1	students	student	NOUN
fsr-3227	122	2	with	with	ADP
fsr-3227	122	3	low	low	ADJ
fsr-3227	122	4	actual	actual	ADJ
fsr-3227	122	5	or	or	CCONJ
fsr-3227	122	6	perceived	perceive	VERB
fsr-3227	122	7	numerical	numerical	ADJ
fsr-3227	122	8	ability	ability	NOUN
fsr-3227	122	9	are	be	AUX
fsr-3227	122	10	generally	generally	ADV
fsr-3227	122	11	turned	turn	VERB
fsr-3227	122	12	off	off	ADP
fsr-3227	122	13	by	by	ADP
fsr-3227	122	14	subjects	subject	NOUN
fsr-3227	122	15	thought	think	VERB
fsr-3227	122	16	to	to	PART
fsr-3227	122	17	involve	involve	VERB
fsr-3227	122	18	math	math	NOUN
fsr-3227	122	19	(	(	PUNCT
fsr-3227	122	20	e.g.	e.g.	ADV
fsr-3227	122	21	,	,	PUNCT
fsr-3227	122	22	bansak	bansak	NOUN
fsr-3227	122	23	and	and	CCONJ
fsr-3227	122	24	starr	starr	PROPN
fsr-3227	122	25	,	,	PUNCT
fsr-3227	122	26	2010	2010	NUM
fsr-3227	122	27	)	)	PUNCT
fsr-3227	122	28	.	.	PUNCT
fsr-3227	123	1	however	however	ADV
fsr-3227	123	2	,	,	PUNCT
fsr-3227	123	3	beierlein	beierlein	NOUN
fsr-3227	123	4	and	and	CCONJ
fsr-3227	123	5	neverett	neverett	PROPN
fsr-3227	123	6	(	(	PUNCT
fsr-3227	123	7	2013	2013	NUM
fsr-3227	123	8	)	)	PUNCT
fsr-3227	123	9	find	find	VERB
fsr-3227	123	10	that	that	SCONJ
fsr-3227	123	11	math	math	NOUN
fsr-3227	123	12	sat	sit	VERB
fsr-3227	123	13	scores	score	NOUN
fsr-3227	123	14	do	do	AUX
fsr-3227	123	15	not	not	PART
fsr-3227	123	16	influence	influence	VERB
fsr-3227	123	17	college	college	NOUN
fsr-3227	123	18	student	student	NOUN
fsr-3227	123	19	enrollment	enrollment	NOUN
fsr-3227	123	20	in	in	ADP
fsr-3227	123	21	an	an	DET
fsr-3227	123	22	elective	elective	ADJ
fsr-3227	123	23	personal	personal	ADJ
fsr-3227	123	24	finance	finance	NOUN
fsr-3227	123	25	course	course	NOUN
fsr-3227	123	26	.	.	PUNCT
fsr-3227	124	1	numerical	numerical	ADJ
fsr-3227	124	2	ability	ability	NOUN
fsr-3227	124	3	is	be	AUX
fsr-3227	124	4	also	also	ADV
fsr-3227	124	5	associated	associate	VERB
fsr-3227	124	6	with	with	ADP
fsr-3227	124	7	the	the	DET
fsr-3227	124	8	initial	initial	ADJ
fsr-3227	124	9	stock	stock	NOUN
fsr-3227	124	10	of	of	ADP
fsr-3227	124	11	financial	financial	ADJ
fsr-3227	124	12	literacy	literacy	NOUN
fsr-3227	124	13	in	in	ADP
fsr-3227	124	14	prior	prior	ADJ
fsr-3227	124	15	studies	study	NOUN
fsr-3227	124	16	.	.	PUNCT
fsr-3227	125	1	jappelli	jappelli	PROPN
fsr-3227	125	2	and	and	CCONJ
fsr-3227	125	3	padula	padula	NOUN
fsr-3227	125	4	(	(	PUNCT
fsr-3227	125	5	2013	2013	NUM
fsr-3227	125	6	)	)	PUNCT
fsr-3227	125	7	find	find	VERB
fsr-3227	125	8	that	that	SCONJ
fsr-3227	125	9	math	math	NOUN
fsr-3227	125	10	and	and	CCONJ
fsr-3227	125	11	reading	reading	NOUN
fsr-3227	125	12	skills	skill	NOUN
fsr-3227	125	13	at	at	ADP
fsr-3227	125	14	the	the	DET
fsr-3227	125	15	age	age	NOUN
fsr-3227	125	16	of	of	ADP
fsr-3227	125	17	10	10	NUM
fsr-3227	125	18	are	be	AUX
fsr-3227	125	19	strong	strong	ADJ
fsr-3227	125	20	predictors	predictor	NOUN
fsr-3227	125	21	of	of	ADP
fsr-3227	125	22	current	current	ADJ
fsr-3227	125	23	financial	financial	ADJ
fsr-3227	125	24	literacy	literacy	NOUN
fsr-3227	125	25	.	.	PUNCT
fsr-3227	126	1	results	result	NOUN
fsr-3227	126	2	from	from	ADP
fsr-3227	126	3	the	the	DET
fsr-3227	126	4	2012	2012	NUM
fsr-3227	126	5	oecd	oecd	PROPN
fsr-3227	126	6	programme	programme	NOUN
fsr-3227	126	7	for	for	ADP
fsr-3227	126	8	international	international	ADJ
fsr-3227	126	9	student	student	NOUN
fsr-3227	126	10	assessment	assessment	NOUN
fsr-3227	126	11	(	(	PUNCT
fsr-3227	126	12	pisa	pisa	PROPN
fsr-3227	126	13	)	)	PUNCT
fsr-3227	126	14	show	show	VERB
fsr-3227	126	15	a	a	DET
fsr-3227	126	16	strong	strong	ADJ
fsr-3227	126	17	positive	positive	ADJ
fsr-3227	126	18	correlation	correlation	NOUN
fsr-3227	126	19	between	between	ADP
fsr-3227	126	20	financial	financial	ADJ
fsr-3227	126	21	literacy	literacy	NOUN
fsr-3227	126	22	and	and	CCONJ
fsr-3227	126	23	math	math	NOUN
fsr-3227	126	24	and	and	CCONJ
fsr-3227	126	25	reading	reading	NOUN
fsr-3227	126	26	skills	skill	NOUN
fsr-3227	126	27	for	for	ADP
fsr-3227	126	28	15	15	NUM
fsr-3227	126	29	-	-	PUNCT
fsr-3227	126	30	year	year	NOUN
fsr-3227	126	31	-	-	PUNCT
fsr-3227	126	32	old	old	ADJ
fsr-3227	126	33	students	student	NOUN
fsr-3227	126	34	(	(	PUNCT
fsr-3227	126	35	oecd	oecd	PROPN
fsr-3227	126	36	,	,	PUNCT
fsr-3227	126	37	2014	2014	NUM
fsr-3227	126	38	)	)	PUNCT
fsr-3227	126	39	.	.	PUNCT
fsr-3227	127	1	cole	cole	PROPN
fsr-3227	127	2	et	et	PROPN
fsr-3227	127	3	al	al	PROPN
fsr-3227	127	4	.	.	PROPN
fsr-3227	128	1	(	(	PUNCT
fsr-3227	128	2	2016	2016	NUM
fsr-3227	128	3	)	)	PUNCT
fsr-3227	128	4	present	present	ADJ
fsr-3227	128	5	large	large	ADJ
fsr-3227	128	6	-	-	PUNCT
fsr-3227	128	7	sample	sample	NOUN
fsr-3227	128	8	evidence	evidence	NOUN
fsr-3227	128	9	that	that	SCONJ
fsr-3227	128	10	math	math	NOUN
fsr-3227	128	11	ability	ability	NOUN
fsr-3227	128	12	and	and	CCONJ
fsr-3227	128	13	not	not	PART
fsr-3227	128	14	exposure	exposure	NOUN
fsr-3227	128	15	to	to	ADP
fsr-3227	128	16	personal	personal	ADJ
fsr-3227	128	17	finance	finance	NOUN
fsr-3227	128	18	education	education	NOUN
fsr-3227	128	19	in	in	ADP
fsr-3227	128	20	high	high	ADJ
fsr-3227	128	21	school	school	NOUN
fsr-3227	128	22	matters	matter	NOUN
fsr-3227	128	23	to	to	ADP
fsr-3227	128	24	financial	financial	ADJ
fsr-3227	128	25	outcomes	outcome	NOUN
fsr-3227	128	26	.	.	PUNCT
fsr-3227	129	1	the	the	DET
fsr-3227	129	2	authors	author	NOUN
fsr-3227	129	3	compare	compare	VERB
fsr-3227	129	4	financial	financial	ADJ
fsr-3227	129	5	outcomes	outcome	NOUN
fsr-3227	129	6	for	for	ADP
fsr-3227	129	7	preand	preand	VERB
fsr-3227	129	8	post	post	ADJ
fsr-3227	129	9	-	-	ADJ
fsr-3227	129	10	mandated	mandated	ADJ
fsr-3227	129	11	changes	change	NOUN
fsr-3227	129	12	in	in	ADP
fsr-3227	129	13	financial	financial	ADJ
fsr-3227	129	14	education	education	NOUN
fsr-3227	129	15	and	and	CCONJ
fsr-3227	129	16	math	math	NOUN
fsr-3227	129	17	education	education	NOUN
fsr-3227	129	18	programs	program	NOUN
fsr-3227	129	19	in	in	ADP
fsr-3227	129	20	high	high	ADJ
fsr-3227	129	21	schools	school	NOUN
fsr-3227	129	22	.	.	PUNCT
fsr-3227	130	1	state	state	NOUN
fsr-3227	130	2	mandated	mandate	VERB
fsr-3227	130	3	personal	personal	ADJ
fsr-3227	130	4	finance	finance	NOUN
fsr-3227	130	5	courses	course	NOUN
fsr-3227	130	6	do	do	AUX
fsr-3227	130	7	not	not	PART
fsr-3227	130	8	influence	influence	VERB
fsr-3227	130	9	financial	financial	ADJ
fsr-3227	130	10	outcomes	outcome	NOUN
fsr-3227	130	11	measured	measure	VERB
fsr-3227	130	12	as	as	ADP
fsr-3227	130	13	the	the	DET
fsr-3227	130	14	likelihood	likelihood	NOUN
fsr-3227	130	15	of	of	ADP
fsr-3227	130	16	having	have	VERB
fsr-3227	130	17	investments	investment	NOUN
fsr-3227	130	18	,	,	PUNCT
fsr-3227	130	19	level	level	NOUN
fsr-3227	130	20	of	of	ADP
fsr-3227	130	21	investment	investment	NOUN
fsr-3227	130	22	income	income	NOUN
fsr-3227	130	23	,	,	PUNCT
fsr-3227	130	24	credit	credit	NOUN
fsr-3227	130	25	score	score	NOUN
fsr-3227	130	26	,	,	PUNCT
fsr-3227	130	27	credit	credit	NOUN
fsr-3227	130	28	card	card	NOUN
fsr-3227	130	29	delinquency	delinquency	NOUN
fsr-3227	130	30	,	,	PUNCT
fsr-3227	130	31	and	and	CCONJ
fsr-3227	130	32	probability	probability	NOUN
fsr-3227	130	33	of	of	ADP
fsr-3227	130	34	bankruptcy	bankruptcy	NOUN
fsr-3227	130	35	or	or	CCONJ
fsr-3227	130	36	foreclosure	foreclosure	NOUN
fsr-3227	130	37	.	.	PUNCT
fsr-3227	131	1	state	state	NOUN
fsr-3227	131	2	requirements	requirement	NOUN
fsr-3227	131	3	that	that	SCONJ
fsr-3227	131	4	high	high	ADJ
fsr-3227	131	5	school	school	NOUN
fsr-3227	131	6	students	student	NOUN
fsr-3227	131	7	take	take	VERB
fsr-3227	131	8	additional	additional	ADJ
fsr-3227	131	9	math	math	NOUN
fsr-3227	131	10	courses	course	NOUN
fsr-3227	131	11	are	be	AUX
fsr-3227	131	12	associated	associate	VERB
fsr-3227	131	13	with	with	ADP
fsr-3227	131	14	increased	increase	VERB
fsr-3227	131	15	asset	asset	NOUN
fsr-3227	131	16	accumulation	accumulation	NOUN
fsr-3227	131	17	,	,	PUNCT
fsr-3227	131	18	reduced	reduce	VERB
fsr-3227	131	19	credit	credit	NOUN
fsr-3227	131	20	card	card	NOUN
fsr-3227	131	21	delinquency	delinquency	NOUN
fsr-3227	131	22	,	,	PUNCT
fsr-3227	131	23	and	and	CCONJ
fsr-3227	131	24	reduced	reduce	VERB
fsr-3227	131	25	probability	probability	NOUN
fsr-3227	131	26	of	of	ADP
fsr-3227	131	27	foreclosure	foreclosure	NOUN
fsr-3227	131	28	.	.	PUNCT
fsr-3227	132	1	gerardi	gerardi	NOUN
fsr-3227	132	2	,	,	PUNCT
fsr-3227	132	3	goette	goette	NOUN
fsr-3227	132	4	,	,	PUNCT
fsr-3227	132	5	and	and	CCONJ
fsr-3227	132	6	meier	meier	PROPN
fsr-3227	132	7	(	(	PUNCT
fsr-3227	132	8	2013	2013	NUM
fsr-3227	132	9	)	)	PUNCT
fsr-3227	132	10	find	find	VERB
fsr-3227	132	11	a	a	DET
fsr-3227	132	12	strong	strong	ADJ
fsr-3227	132	13	inverse	inverse	NOUN
fsr-3227	132	14	relationship	relationship	NOUN
fsr-3227	132	15	between	between	ADP
fsr-3227	132	16	numerical	numerical	ADJ
fsr-3227	132	17	ability	ability	NOUN
fsr-3227	132	18	and	and	CCONJ
fsr-3227	132	19	mortgage	mortgage	NOUN
fsr-3227	132	20	default	default	NOUN
fsr-3227	132	21	,	,	PUNCT
fsr-3227	132	22	independent	independent	ADJ
fsr-3227	132	23	of	of	ADP
fsr-3227	132	24	cognitive	cognitive	ADJ
fsr-3227	132	25	ability	ability	NOUN
fsr-3227	132	26	and	and	CCONJ
fsr-3227	132	27	financial	financial	ADJ
fsr-3227	132	28	literacy	literacy	NOUN
fsr-3227	132	29	.	.	PUNCT
fsr-3227	133	1	based	base	VERB
fsr-3227	133	2	on	on	ADP
fsr-3227	133	3	the	the	DET
fsr-3227	133	4	theory	theory	NOUN
fsr-3227	133	5	in	in	ADP
fsr-3227	133	6	jappelli	jappelli	PROPN
fsr-3227	133	7	and	and	CCONJ
fsr-3227	133	8	padula	padula	NOUN
fsr-3227	133	9	(	(	PUNCT
fsr-3227	133	10	2013	2013	NUM
fsr-3227	133	11	)	)	PUNCT
fsr-3227	133	12	,	,	PUNCT
fsr-3227	133	13	demand	demand	NOUN
fsr-3227	133	14	for	for	ADP
fsr-3227	133	15	financial	financial	ADJ
fsr-3227	133	16	education	education	NOUN
fsr-3227	133	17	is	be	AUX
fsr-3227	133	18	expected	expect	VERB
fsr-3227	133	19	to	to	PART
fsr-3227	133	20	increase	increase	VERB
fsr-3227	133	21	in	in	ADP
fsr-3227	133	22	patience	patience	NOUN
fsr-3227	133	23	in	in	ADP
fsr-3227	133	24	consumption	consumption	NOUN
fsr-3227	133	25	and	and	CCONJ
fsr-3227	133	26	decrease	decrease	NOUN
fsr-3227	133	27	in	in	ADP
fsr-3227	133	28	the	the	DET
fsr-3227	133	29	cost	cost	NOUN
fsr-3227	133	30	of	of	ADP
fsr-3227	133	31	acquiring	acquire	VERB
fsr-3227	133	32	the	the	DET
fsr-3227	133	33	education	education	NOUN
fsr-3227	133	34	and	and	CCONJ
fsr-3227	133	35	the	the	DET
fsr-3227	133	36	initial	initial	ADJ
fsr-3227	133	37	stock	stock	NOUN
fsr-3227	133	38	of	of	ADP
fsr-3227	133	39	financial	financial	ADJ
fsr-3227	133	40	literacy	literacy	NOUN
fsr-3227	133	41	.	.	PUNCT
fsr-3227	134	1	if	if	SCONJ
fsr-3227	134	2	numerical	numerical	ADJ
fsr-3227	134	3	ability	ability	NOUN
fsr-3227	134	4	suffices	suffice	VERB
fsr-3227	134	5	for	for	ADP
fsr-3227	134	6	these	these	DET
fsr-3227	134	7	three	three	NUM
fsr-3227	134	8	determinants	determinant	NOUN
fsr-3227	134	9	of	of	ADP
fsr-3227	134	10	demand	demand	NOUN
fsr-3227	134	11	,	,	PUNCT
fsr-3227	134	12	then	then	ADV
fsr-3227	134	13	its	its	PRON
fsr-3227	134	14	influence	influence	NOUN
fsr-3227	134	15	is	be	AUX
fsr-3227	134	16	a	a	DET
fsr-3227	134	17	priori	priori	ADV
fsr-3227	134	18	ambiguous	ambiguous	ADJ
fsr-3227	134	19	.	.	PUNCT
fsr-3227	135	1	further	far	ADV
fsr-3227	135	2	,	,	PUNCT
fsr-3227	135	3	the	the	DET
fsr-3227	135	4	mixed	mixed	ADJ
fsr-3227	135	5	empirical	empirical	ADJ
fsr-3227	135	6	results	result	NOUN
fsr-3227	135	7	do	do	AUX
fsr-3227	135	8	not	not	PART
fsr-3227	135	9	suggest	suggest	VERB
fsr-3227	135	10	a	a	DET
fsr-3227	135	11	distinct	distinct	ADJ
fsr-3227	135	12	influence	influence	NOUN
fsr-3227	135	13	of	of	ADP
fsr-3227	135	14	numerical	numerical	ADJ
fsr-3227	135	15	ability	ability	NOUN
fsr-3227	135	16	on	on	ADP
fsr-3227	135	17	the	the	DET
fsr-3227	135	18	demand	demand	NOUN
fsr-3227	135	19	for	for	ADP
fsr-3227	135	20	financial	financial	ADJ
fsr-3227	135	21	education	education	NOUN
fsr-3227	135	22	.	.	PUNCT
fsr-3227	136	1	therefore	therefore	ADV
fsr-3227	136	2	,	,	PUNCT
fsr-3227	136	3	we	we	PRON
fsr-3227	136	4	do	do	AUX
fsr-3227	136	5	not	not	PART
fsr-3227	136	6	make	make	VERB
fsr-3227	136	7	a	a	DET
fsr-3227	136	8	prediction	prediction	NOUN
fsr-3227	136	9	about	about	ADP
fsr-3227	136	10	the	the	DET
fsr-3227	136	11	influence	influence	NOUN
fsr-3227	136	12	of	of	ADP
fsr-3227	136	13	numerical	numerical	ADJ
fsr-3227	136	14	ability	ability	NOUN
fsr-3227	136	15	on	on	ADP
fsr-3227	136	16	student	student	NOUN
fsr-3227	136	17	interest	interest	NOUN
fsr-3227	136	18	in	in	ADP
fsr-3227	136	19	personal	personal	ADJ
fsr-3227	136	20	finance	finance	NOUN
fsr-3227	136	21	education	education	NOUN
fsr-3227	136	22	.	.	PUNCT
fsr-3227	137	1	2.6	2.6	NUM
fsr-3227	137	2	.	.	PUNCT
fsr-3227	137	3	return	return	VERB
fsr-3227	137	4	on	on	ADP
fsr-3227	137	5	financial	financial	ADJ
fsr-3227	137	6	literacy	literacy	NOUN
fsr-3227	137	7	the	the	DET
fsr-3227	137	8	return	return	NOUN
fsr-3227	137	9	on	on	ADP
fsr-3227	137	10	financial	financial	ADJ
fsr-3227	137	11	literacy	literacy	NOUN
fsr-3227	137	12	positively	positively	ADV
fsr-3227	137	13	influences	influence	VERB
fsr-3227	137	14	investment	investment	NOUN
fsr-3227	137	15	in	in	ADP
fsr-3227	137	16	financial	financial	ADJ
fsr-3227	137	17	literacy	literacy	NOUN
fsr-3227	137	18	in	in	ADP
fsr-3227	137	19	jappelli	jappelli	PROPN
fsr-3227	137	20	and	and	CCONJ
fsr-3227	137	21	padula	padula	NOUN
fsr-3227	137	22	(	(	PUNCT
fsr-3227	137	23	2013	2013	NUM
fsr-3227	137	24	)	)	PUNCT
fsr-3227	137	25	.	.	PUNCT
fsr-3227	138	1	we	we	PRON
fsr-3227	138	2	approximate	approximate	VERB
fsr-3227	138	3	the	the	DET
fsr-3227	138	4	return	return	NOUN
fsr-3227	138	5	on	on	ADP
fsr-3227	138	6	financial	financial	ADJ
fsr-3227	138	7	literacy	literacy	NOUN
fsr-3227	138	8	by	by	ADP
fsr-3227	138	9	measuring	measure	VERB
fsr-3227	138	10	college	college	NOUN
fsr-3227	138	11	students	student	NOUN
fsr-3227	138	12	’	’	PART
fsr-3227	138	13	perceptions	perception	NOUN
fsr-3227	138	14	of	of	ADP
fsr-3227	138	15	the	the	DET
fsr-3227	138	16	return	return	NOUN
fsr-3227	138	17	on	on	ADP
fsr-3227	138	18	financial	financial	ADJ
fsr-3227	138	19	education	education	NOUN
fsr-3227	138	20	.	.	PUNCT
fsr-3227	139	1	chen	chen	PROPN
fsr-3227	139	2	and	and	CCONJ
fsr-3227	139	3	volpe	volpe	PROPN
fsr-3227	139	4	(	(	PUNCT
fsr-3227	139	5	2002	2002	NUM
fsr-3227	139	6	)	)	PUNCT
fsr-3227	139	7	356	356	NUM
fsr-3227	139	8	c.	c.	PROPN
fsr-3227	139	9	harrington	harrington	PROPN
fsr-3227	139	10	,	,	PUNCT
fsr-3227	139	11	w.	w.	PROPN
fsr-3227	139	12	smith	smith	PROPN
fsr-3227	139	13	/	/	SYM
fsr-3227	139	14	financial	financial	ADJ
fsr-3227	139	15	services	service	NOUN
fsr-3227	139	16	review	review	VERB
fsr-3227	139	17	25	25	NUM
fsr-3227	139	18	(	(	PUNCT
fsr-3227	139	19	2016	2016	NUM
fsr-3227	139	20	)	)	PUNCT
fsr-3227	140	1	351–372	351–372	PRON
fsr-3227	140	2	support	support	VERB
fsr-3227	140	3	the	the	DET
fsr-3227	140	4	idea	idea	NOUN
fsr-3227	140	5	of	of	ADP
fsr-3227	140	6	a	a	DET
fsr-3227	140	7	perceived	perceive	VERB
fsr-3227	140	8	return	return	NOUN
fsr-3227	140	9	by	by	ADP
fsr-3227	140	10	asking	ask	VERB
fsr-3227	140	11	students	student	NOUN
fsr-3227	140	12	to	to	PART
fsr-3227	140	13	rate	rate	VERB
fsr-3227	140	14	the	the	DET
fsr-3227	140	15	importance	importance	NOUN
fsr-3227	140	16	of	of	ADP
fsr-3227	140	17	a	a	DET
fsr-3227	140	18	menu	menu	NOUN
fsr-3227	140	19	of	of	ADP
fsr-3227	140	20	college	college	NOUN
fsr-3227	140	21	courses	course	NOUN
fsr-3227	140	22	.	.	PUNCT
fsr-3227	141	1	the	the	DET
fsr-3227	141	2	majority	majority	NOUN
fsr-3227	141	3	of	of	ADP
fsr-3227	141	4	students	student	NOUN
fsr-3227	141	5	view	view	VERB
fsr-3227	141	6	a	a	DET
fsr-3227	141	7	course	course	NOUN
fsr-3227	141	8	in	in	ADP
fsr-3227	141	9	personal	personal	ADJ
fsr-3227	141	10	finance	finance	NOUN
fsr-3227	141	11	as	as	ADP
fsr-3227	141	12	either	either	CCONJ
fsr-3227	141	13	very	very	ADV
fsr-3227	141	14	or	or	CCONJ
fsr-3227	141	15	somewhat	somewhat	ADV
fsr-3227	141	16	important	important	ADJ
fsr-3227	141	17	to	to	ADP
fsr-3227	141	18	improving	improve	VERB
fsr-3227	141	19	the	the	DET
fsr-3227	141	20	quality	quality	NOUN
fsr-3227	141	21	of	of	ADP
fsr-3227	141	22	their	their	PRON
fsr-3227	141	23	lives	life	NOUN
fsr-3227	141	24	.	.	PUNCT
fsr-3227	142	1	we	we	PRON
fsr-3227	142	2	predict	predict	VERB
fsr-3227	142	3	that	that	SCONJ
fsr-3227	142	4	a	a	DET
fsr-3227	142	5	student	student	NOUN
fsr-3227	142	6	’s	’s	PART
fsr-3227	142	7	perception	perception	NOUN
fsr-3227	142	8	of	of	ADP
fsr-3227	142	9	the	the	DET
fsr-3227	142	10	benefits	benefit	NOUN
fsr-3227	142	11	of	of	ADP
fsr-3227	142	12	financial	financial	ADJ
fsr-3227	142	13	literacy	literacy	NOUN
fsr-3227	142	14	is	be	AUX
fsr-3227	142	15	positively	positively	ADV
fsr-3227	142	16	associated	associate	VERB
fsr-3227	142	17	with	with	ADP
fsr-3227	142	18	the	the	DET
fsr-3227	142	19	demand	demand	NOUN
fsr-3227	142	20	for	for	ADP
fsr-3227	142	21	personal	personal	ADJ
fsr-3227	142	22	finance	finance	NOUN
fsr-3227	142	23	education	education	NOUN
fsr-3227	142	24	.	.	PUNCT
fsr-3227	143	1	2.7	2.7	NUM
fsr-3227	143	2	.	.	PUNCT
fsr-3227	143	3	financial	financial	ADJ
fsr-3227	143	4	safety	safety	PROPN
fsr-3227	143	5	net	net	NOUN
fsr-3227	143	6	jappelli	jappelli	PROPN
fsr-3227	143	7	and	and	CCONJ
fsr-3227	143	8	padula	padula	NOUN
fsr-3227	143	9	(	(	PUNCT
fsr-3227	143	10	2013	2013	NUM
fsr-3227	143	11	)	)	PUNCT
fsr-3227	143	12	predict	predict	VERB
fsr-3227	143	13	and	and	CCONJ
fsr-3227	143	14	find	find	VERB
fsr-3227	143	15	that	that	SCONJ
fsr-3227	143	16	the	the	DET
fsr-3227	143	17	generosity	generosity	NOUN
fsr-3227	143	18	of	of	ADP
fsr-3227	143	19	a	a	DET
fsr-3227	143	20	financial	financial	ADJ
fsr-3227	143	21	safety	safety	NOUN
fsr-3227	143	22	net	net	NOUN
fsr-3227	143	23	(	(	PUNCT
fsr-3227	143	24	e.g.	e.g.	ADV
fsr-3227	143	25	,	,	PUNCT
fsr-3227	143	26	social	social	ADJ
fsr-3227	143	27	security	security	NOUN
fsr-3227	143	28	)	)	PUNCT
fsr-3227	143	29	reduces	reduce	VERB
fsr-3227	143	30	both	both	DET
fsr-3227	143	31	investment	investment	NOUN
fsr-3227	143	32	in	in	ADP
fsr-3227	143	33	financial	financial	ADJ
fsr-3227	143	34	literacy	literacy	NOUN
fsr-3227	143	35	and	and	CCONJ
fsr-3227	143	36	wealth	wealth	NOUN
fsr-3227	143	37	accumulation	accumulation	NOUN
fsr-3227	143	38	.	.	PUNCT
fsr-3227	144	1	a	a	DET
fsr-3227	144	2	parent	parent	NOUN
fsr-3227	144	3	or	or	CCONJ
fsr-3227	144	4	other	other	ADJ
fsr-3227	144	5	source	source	NOUN
fsr-3227	144	6	of	of	ADP
fsr-3227	144	7	nonlabor	nonlabor	NOUN
fsr-3227	144	8	income	income	NOUN
fsr-3227	144	9	may	may	AUX
fsr-3227	144	10	provide	provide	VERB
fsr-3227	144	11	a	a	DET
fsr-3227	144	12	financial	financial	ADJ
fsr-3227	144	13	cushion	cushion	NOUN
fsr-3227	144	14	,	,	PUNCT
fsr-3227	144	15	causing	cause	VERB
fsr-3227	144	16	students	student	NOUN
fsr-3227	144	17	to	to	PART
fsr-3227	144	18	effectively	effectively	ADV
fsr-3227	144	19	defer	defer	VERB
fsr-3227	144	20	financial	financial	ADJ
fsr-3227	144	21	responsibility	responsibility	NOUN
fsr-3227	144	22	.	.	PUNCT
fsr-3227	145	1	therefore	therefore	ADV
fsr-3227	145	2	,	,	PUNCT
fsr-3227	145	3	a	a	DET
fsr-3227	145	4	student	student	NOUN
fsr-3227	145	5	who	who	PRON
fsr-3227	145	6	is	be	AUX
fsr-3227	145	7	relatively	relatively	ADV
fsr-3227	145	8	financially	financially	ADV
fsr-3227	145	9	dependent	dependent	ADJ
fsr-3227	145	10	may	may	AUX
fsr-3227	145	11	not	not	PART
fsr-3227	145	12	view	view	VERB
fsr-3227	145	13	financial	financial	ADJ
fsr-3227	145	14	education	education	NOUN
fsr-3227	145	15	as	as	ADP
fsr-3227	145	16	relevant	relevant	ADJ
fsr-3227	145	17	.	.	PUNCT
fsr-3227	146	1	prior	prior	ADJ
fsr-3227	146	2	studies	study	NOUN
fsr-3227	146	3	do	do	AUX
fsr-3227	146	4	not	not	PART
fsr-3227	146	5	suggest	suggest	VERB
fsr-3227	146	6	a	a	DET
fsr-3227	146	7	consistent	consistent	ADJ
fsr-3227	146	8	relationship	relationship	NOUN
fsr-3227	146	9	between	between	ADP
fsr-3227	146	10	financial	financial	ADJ
fsr-3227	146	11	independence	independence	NOUN
fsr-3227	146	12	and	and	CCONJ
fsr-3227	146	13	interest	interest	NOUN
fsr-3227	146	14	in	in	ADP
fsr-3227	146	15	personal	personal	ADJ
fsr-3227	146	16	finance	finance	NOUN
fsr-3227	146	17	education	education	NOUN
fsr-3227	146	18	(	(	PUNCT
fsr-3227	146	19	goetz	goetz	PROPN
fsr-3227	146	20	et	et	PROPN
fsr-3227	146	21	al	al	PROPN
fsr-3227	146	22	.	.	PROPN
fsr-3227	146	23	,	,	PUNCT
fsr-3227	146	24	2011	2011	NUM
fsr-3227	146	25	;	;	PUNCT
fsr-3227	146	26	lyons	lyon	NOUN
fsr-3227	146	27	,	,	PUNCT
fsr-3227	146	28	2004	2004	NUM
fsr-3227	146	29	)	)	PUNCT
fsr-3227	146	30	.	.	PUNCT
fsr-3227	147	1	because	because	SCONJ
fsr-3227	147	2	the	the	DET
fsr-3227	147	3	empirical	empirical	ADJ
fsr-3227	147	4	evidence	evidence	NOUN
fsr-3227	147	5	is	be	AUX
fsr-3227	147	6	mixed	mixed	ADJ
fsr-3227	147	7	,	,	PUNCT
fsr-3227	147	8	we	we	PRON
fsr-3227	147	9	defer	defer	VERB
fsr-3227	147	10	to	to	ADP
fsr-3227	147	11	the	the	DET
fsr-3227	147	12	jappelli	jappelli	ADJ
fsr-3227	147	13	-	-	PUNCT
fsr-3227	147	14	padula	padula	NOUN
fsr-3227	147	15	model	model	NOUN
fsr-3227	147	16	and	and	CCONJ
fsr-3227	147	17	predict	predict	VERB
fsr-3227	147	18	that	that	SCONJ
fsr-3227	147	19	the	the	DET
fsr-3227	147	20	incentive	incentive	NOUN
fsr-3227	147	21	to	to	PART
fsr-3227	147	22	invest	invest	VERB
fsr-3227	147	23	in	in	ADP
fsr-3227	147	24	financial	financial	ADJ
fsr-3227	147	25	literacy	literacy	NOUN
fsr-3227	147	26	while	while	SCONJ
fsr-3227	147	27	in	in	ADP
fsr-3227	147	28	school	school	NOUN
fsr-3227	147	29	is	be	AUX
fsr-3227	147	30	positively	positively	ADV
fsr-3227	147	31	associated	associate	VERB
fsr-3227	147	32	with	with	ADP
fsr-3227	147	33	the	the	DET
fsr-3227	147	34	student	student	NOUN
fsr-3227	147	35	’s	’s	NOUN
fsr-3227	147	36	degree	degree	NOUN
fsr-3227	147	37	of	of	ADP
fsr-3227	147	38	financial	financial	ADJ
fsr-3227	147	39	independence	independence	NOUN
fsr-3227	147	40	.	.	PUNCT
fsr-3227	148	1	in	in	ADP
fsr-3227	148	2	summary	summary	NOUN
fsr-3227	148	3	,	,	PUNCT
fsr-3227	148	4	we	we	PRON
fsr-3227	148	5	predict	predict	VERB
fsr-3227	148	6	that	that	SCONJ
fsr-3227	148	7	college	college	NOUN
fsr-3227	148	8	student	student	NOUN
fsr-3227	148	9	willingness	willingness	NOUN
fsr-3227	148	10	to	to	PART
fsr-3227	148	11	invest	invest	VERB
fsr-3227	148	12	in	in	ADP
fsr-3227	148	13	financial	financial	ADJ
fsr-3227	148	14	education	education	NOUN
fsr-3227	148	15	while	while	SCONJ
fsr-3227	148	16	in	in	ADP
fsr-3227	148	17	school	school	NOUN
fsr-3227	148	18	is	be	AUX
fsr-3227	148	19	positively	positively	ADV
fsr-3227	148	20	related	relate	VERB
fsr-3227	148	21	to	to	ADP
fsr-3227	148	22	income	income	NOUN
fsr-3227	148	23	,	,	PUNCT
fsr-3227	148	24	patience	patience	NOUN
fsr-3227	148	25	in	in	ADP
fsr-3227	148	26	consumption	consumption	NOUN
fsr-3227	148	27	,	,	PUNCT
fsr-3227	148	28	perceived	perceive	VERB
fsr-3227	148	29	return	return	NOUN
fsr-3227	148	30	on	on	ADP
fsr-3227	148	31	financial	financial	ADJ
fsr-3227	148	32	education	education	NOUN
fsr-3227	148	33	,	,	PUNCT
fsr-3227	148	34	financial	financial	ADJ
fsr-3227	148	35	independence	independence	NOUN
fsr-3227	148	36	,	,	PUNCT
fsr-3227	148	37	and	and	CCONJ
fsr-3227	148	38	inversely	inversely	ADV
fsr-3227	148	39	related	relate	VERB
fsr-3227	148	40	to	to	ADP
fsr-3227	148	41	time	time	NOUN
fsr-3227	148	42	cost	cost	NOUN
fsr-3227	148	43	.	.	PUNCT
fsr-3227	149	1	the	the	DET
fsr-3227	149	2	influence	influence	NOUN
fsr-3227	149	3	of	of	ADP
fsr-3227	149	4	the	the	DET
fsr-3227	149	5	initial	initial	ADJ
fsr-3227	149	6	stock	stock	NOUN
fsr-3227	149	7	of	of	ADP
fsr-3227	149	8	financial	financial	ADJ
fsr-3227	149	9	literacy	literacy	NOUN
fsr-3227	149	10	and	and	CCONJ
fsr-3227	149	11	numerical	numerical	ADJ
fsr-3227	149	12	ability	ability	NOUN
fsr-3227	149	13	on	on	ADP
fsr-3227	149	14	interest	interest	NOUN
fsr-3227	149	15	in	in	ADP
fsr-3227	149	16	acquiring	acquire	VERB
fsr-3227	149	17	financial	financial	ADJ
fsr-3227	149	18	education	education	NOUN
fsr-3227	149	19	is	be	AUX
fsr-3227	149	20	ambiguous	ambiguous	ADJ
fsr-3227	149	21	.	.	PUNCT
fsr-3227	150	1	these	these	DET
fsr-3227	150	2	variables	variable	NOUN
fsr-3227	150	3	are	be	AUX
fsr-3227	150	4	constructed	construct	VERB
fsr-3227	150	5	from	from	ADP
fsr-3227	150	6	survey	survey	NOUN
fsr-3227	150	7	results	result	NOUN
fsr-3227	150	8	,	,	PUNCT
fsr-3227	150	9	described	describe	VERB
fsr-3227	150	10	next	next	ADV
fsr-3227	150	11	.	.	PUNCT
fsr-3227	151	1	3	3	X
fsr-3227	151	2	.	.	X
fsr-3227	151	3	survey	survey	NOUN
fsr-3227	151	4	3.1	3.1	NUM
fsr-3227	151	5	.	.	PUNCT
fsr-3227	152	1	survey	survey	NOUN
fsr-3227	152	2	questions	question	NOUN
fsr-3227	152	3	we	we	PRON
fsr-3227	152	4	survey	survey	VERB
fsr-3227	152	5	college	college	NOUN
fsr-3227	152	6	students	student	NOUN
fsr-3227	152	7	at	at	ADP
fsr-3227	152	8	a	a	DET
fsr-3227	152	9	private	private	ADJ
fsr-3227	152	10	,	,	PUNCT
fsr-3227	152	11	midsize	midsize	PROPN
fsr-3227	152	12	university	university	NOUN
fsr-3227	152	13	to	to	PART
fsr-3227	152	14	measure	measure	VERB
fsr-3227	152	15	demand	demand	NOUN
fsr-3227	152	16	for	for	ADP
fsr-3227	152	17	personal	personal	ADJ
fsr-3227	152	18	finance	finance	NOUN
fsr-3227	152	19	education	education	NOUN
fsr-3227	152	20	as	as	ADP
fsr-3227	152	21	a	a	DET
fsr-3227	152	22	function	function	NOUN
fsr-3227	152	23	of	of	ADP
fsr-3227	152	24	the	the	DET
fsr-3227	152	25	variables	variable	NOUN
fsr-3227	152	26	associated	associate	VERB
fsr-3227	152	27	with	with	ADP
fsr-3227	152	28	optimal	optimal	ADJ
fsr-3227	152	29	investment	investment	NOUN
fsr-3227	152	30	in	in	ADP
fsr-3227	152	31	financial	financial	ADJ
fsr-3227	152	32	literacy	literacy	NOUN
fsr-3227	152	33	from	from	ADP
fsr-3227	152	34	jappelli	jappelli	NOUN
fsr-3227	152	35	and	and	CCONJ
fsr-3227	152	36	padula	padula	NOUN
fsr-3227	152	37	(	(	PUNCT
fsr-3227	152	38	2013	2013	NUM
fsr-3227	152	39	)	)	PUNCT
fsr-3227	152	40	and	and	CCONJ
fsr-3227	152	41	related	related	ADJ
fsr-3227	152	42	studies	study	NOUN
fsr-3227	152	43	.	.	PUNCT
fsr-3227	153	1	demand	demand	NOUN
fsr-3227	153	2	is	be	AUX
fsr-3227	153	3	measured	measure	VERB
fsr-3227	153	4	by	by	ADP
fsr-3227	153	5	asking	ask	VERB
fsr-3227	153	6	students	student	NOUN
fsr-3227	153	7	to	to	PART
fsr-3227	153	8	use	use	VERB
fsr-3227	153	9	a	a	DET
fsr-3227	153	10	7	7	NUM
fsr-3227	153	11	-	-	PUNCT
fsr-3227	153	12	point	point	NOUN
fsr-3227	153	13	likert	likert	ADJ
fsr-3227	153	14	scale	scale	NOUN
fsr-3227	153	15	(	(	PUNCT
fsr-3227	153	16	1	1	NUM
fsr-3227	153	17	�	�	PROPN
fsr-3227	153	18	strongly	strongly	ADV
fsr-3227	153	19	disagree	disagree	VERB
fsr-3227	153	20	,	,	PUNCT
fsr-3227	153	21	7	7	NUM
fsr-3227	153	22	�	�	NOUN
fsr-3227	153	23	strongly	strongly	ADV
fsr-3227	153	24	agree	agree	VERB
fsr-3227	153	25	)	)	PUNCT
fsr-3227	153	26	to	to	PART
fsr-3227	153	27	rate	rate	VERB
fsr-3227	153	28	interest	interest	NOUN
fsr-3227	153	29	in	in	ADP
fsr-3227	153	30	learning	learn	VERB
fsr-3227	153	31	about	about	ADP
fsr-3227	153	32	all	all	DET
fsr-3227	153	33	personal	personal	ADJ
fsr-3227	153	34	finance	finance	NOUN
fsr-3227	153	35	topics	topic	NOUN
fsr-3227	153	36	(	(	PUNCT
fsr-3227	153	37	collectively	collectively	ADV
fsr-3227	153	38	)	)	PUNCT
fsr-3227	153	39	while	while	SCONJ
fsr-3227	153	40	in	in	ADP
fsr-3227	153	41	college	college	NOUN
fsr-3227	153	42	.	.	PUNCT
fsr-3227	154	1	we	we	PRON
fsr-3227	154	2	also	also	ADV
fsr-3227	154	3	measure	measure	VERB
fsr-3227	154	4	interest	interest	NOUN
fsr-3227	154	5	in	in	ADP
fsr-3227	154	6	learning	learn	VERB
fsr-3227	154	7	about	about	ADP
fsr-3227	154	8	specific	specific	ADJ
fsr-3227	154	9	topics	topic	NOUN
fsr-3227	154	10	within	within	ADP
fsr-3227	154	11	personal	personal	ADJ
fsr-3227	154	12	finance	finance	NOUN
fsr-3227	154	13	that	that	PRON
fsr-3227	154	14	may	may	AUX
fsr-3227	154	15	appeal	appeal	VERB
fsr-3227	154	16	to	to	ADP
fsr-3227	154	17	college	college	NOUN
fsr-3227	154	18	students	student	NOUN
fsr-3227	154	19	including	include	VERB
fsr-3227	154	20	budgeting	budgeting	NOUN
fsr-3227	154	21	,	,	PUNCT
fsr-3227	154	22	credit	credit	NOUN
fsr-3227	154	23	cards	card	NOUN
fsr-3227	154	24	,	,	PUNCT
fsr-3227	154	25	student	student	NOUN
fsr-3227	154	26	loans	loan	NOUN
fsr-3227	154	27	,	,	PUNCT
fsr-3227	154	28	and	and	CCONJ
fsr-3227	154	29	a	a	DET
fsr-3227	154	30	group	group	NOUN
fsr-3227	154	31	of	of	ADP
fsr-3227	154	32	“	"	PUNCT
fsr-3227	154	33	other	other	ADJ
fsr-3227	154	34	”	"	PUNCT
fsr-3227	154	35	topics	topic	NOUN
fsr-3227	154	36	(	(	PUNCT
fsr-3227	154	37	leasing	lease	VERB
fsr-3227	154	38	vs.	vs.	ADP
fsr-3227	154	39	buying	buying	NOUN
fsr-3227	154	40	,	,	PUNCT
fsr-3227	154	41	retirement	retirement	NOUN
fsr-3227	154	42	planning	planning	NOUN
fsr-3227	154	43	,	,	PUNCT
fsr-3227	154	44	etc	etc	X
fsr-3227	154	45	.	.	X
fsr-3227	154	46	)	)	PUNCT
fsr-3227	154	47	.	.	PUNCT
fsr-3227	155	1	the	the	DET
fsr-3227	155	2	individual	individual	ADJ
fsr-3227	155	3	topics	topic	NOUN
fsr-3227	155	4	are	be	AUX
fsr-3227	155	5	chosen	choose	VERB
fsr-3227	155	6	from	from	ADP
fsr-3227	155	7	the	the	DET
fsr-3227	155	8	introductory	introductory	ADJ
fsr-3227	155	9	personal	personal	ADJ
fsr-3227	155	10	finance	finance	NOUN
fsr-3227	155	11	textbook	textbook	NOUN
fsr-3227	155	12	by	by	ADP
fsr-3227	155	13	kapoor	kapoor	PROPN
fsr-3227	155	14	,	,	PUNCT
fsr-3227	155	15	dlabay	dlabay	ADJ
fsr-3227	155	16	,	,	PUNCT
fsr-3227	155	17	and	and	CCONJ
fsr-3227	155	18	hughes	hughes	PROPN
fsr-3227	155	19	(	(	PUNCT
fsr-3227	155	20	2013	2013	NUM
fsr-3227	155	21	)	)	PUNCT
fsr-3227	155	22	.	.	PUNCT
fsr-3227	156	1	alternative	alternative	ADJ
fsr-3227	156	2	measures	measure	NOUN
fsr-3227	156	3	of	of	ADP
fsr-3227	156	4	income	income	NOUN
fsr-3227	156	5	include	include	VERB
fsr-3227	156	6	annual	annual	ADJ
fsr-3227	156	7	income	income	NOUN
fsr-3227	156	8	,	,	PUNCT
fsr-3227	156	9	employment	employment	NOUN
fsr-3227	156	10	status	status	NOUN
fsr-3227	156	11	,	,	PUNCT
fsr-3227	156	12	and	and	CCONJ
fsr-3227	156	13	year	year	NOUN
fsr-3227	156	14	in	in	ADP
fsr-3227	156	15	school	school	NOUN
fsr-3227	156	16	.	.	PUNCT
fsr-3227	157	1	the	the	DET
fsr-3227	157	2	survey	survey	NOUN
fsr-3227	157	3	asks	ask	VERB
fsr-3227	157	4	students	student	NOUN
fsr-3227	157	5	to	to	PART
fsr-3227	157	6	indicate	indicate	VERB
fsr-3227	157	7	annual	annual	ADJ
fsr-3227	157	8	income	income	NOUN
fsr-3227	157	9	with	with	ADP
fsr-3227	157	10	a	a	DET
fsr-3227	157	11	5	5	NUM
fsr-3227	157	12	-	-	PUNCT
fsr-3227	157	13	category	category	NOUN
fsr-3227	157	14	range	range	NOUN
fsr-3227	157	15	from	from	ADP
fsr-3227	157	16	$	$	SYM
fsr-3227	157	17	10,000	10,000	NUM
fsr-3227	157	18	or	or	CCONJ
fsr-3227	157	19	less	less	ADJ
fsr-3227	157	20	to	to	ADP
fsr-3227	157	21	$	$	SYM
fsr-3227	157	22	25,000	25,000	NUM
fsr-3227	157	23	and	and	CCONJ
fsr-3227	157	24	over	over	ADV
fsr-3227	157	25	.	.	PUNCT
fsr-3227	158	1	students	student	NOUN
fsr-3227	158	2	are	be	AUX
fsr-3227	158	3	asked	ask	VERB
fsr-3227	158	4	to	to	PART
fsr-3227	158	5	identify	identify	VERB
fsr-3227	158	6	employment	employment	NOUN
fsr-3227	158	7	status	status	NOUN
fsr-3227	158	8	(	(	PUNCT
fsr-3227	158	9	full	full	ADJ
fsr-3227	158	10	-	-	PUNCT
fsr-3227	158	11	time	time	NOUN
fsr-3227	158	12	,	,	PUNCT
fsr-3227	158	13	part	part	NOUN
fsr-3227	158	14	-	-	PUNCT
fsr-3227	158	15	time	time	NOUN
fsr-3227	158	16	,	,	PUNCT
fsr-3227	158	17	or	or	CCONJ
fsr-3227	158	18	not	not	PART
fsr-3227	158	19	working	work	VERB
fsr-3227	158	20	)	)	PUNCT
fsr-3227	158	21	and	and	CCONJ
fsr-3227	158	22	year	year	NOUN
fsr-3227	158	23	in	in	ADP
fsr-3227	158	24	school	school	NOUN
fsr-3227	158	25	(	(	PUNCT
fsr-3227	158	26	freshman	freshman	NOUN
fsr-3227	158	27	,	,	PUNCT
fsr-3227	158	28	sophomore	sophomore	NOUN
fsr-3227	158	29	,	,	PUNCT
fsr-3227	158	30	etc	etc	X
fsr-3227	158	31	.	.	X
fsr-3227	158	32	)	)	PUNCT
fsr-3227	158	33	.	.	PUNCT
fsr-3227	159	1	357c	357c	PROPN
fsr-3227	159	2	.	.	PUNCT
fsr-3227	160	1	harrington	harrington	PROPN
fsr-3227	160	2	,	,	PUNCT
fsr-3227	160	3	w.	w.	PROPN
fsr-3227	160	4	smith	smith	PROPN
fsr-3227	160	5	/	/	SYM
fsr-3227	160	6	financial	financial	ADJ
fsr-3227	160	7	services	service	NOUN
fsr-3227	160	8	review	review	VERB
fsr-3227	160	9	25	25	NUM
fsr-3227	160	10	(	(	PUNCT
fsr-3227	160	11	2016	2016	NUM
fsr-3227	160	12	)	)	PUNCT
fsr-3227	161	1	351–372	351–372	NUM
fsr-3227	161	2	patience	patience	NOUN
fsr-3227	161	3	in	in	ADP
fsr-3227	161	4	consumption	consumption	NOUN
fsr-3227	161	5	is	be	AUX
fsr-3227	161	6	measured	measure	VERB
fsr-3227	161	7	by	by	ADP
fsr-3227	161	8	an	an	DET
fsr-3227	161	9	implied	imply	VERB
fsr-3227	161	10	discount	discount	NOUN
fsr-3227	161	11	rate	rate	NOUN
fsr-3227	161	12	following	follow	VERB
fsr-3227	161	13	agarwal	agarwal	PROPN
fsr-3227	161	14	and	and	CCONJ
fsr-3227	161	15	mazumder	mazumder	NOUN
fsr-3227	161	16	(	(	PUNCT
fsr-3227	161	17	2013	2013	NUM
fsr-3227	161	18	)	)	PUNCT
fsr-3227	161	19	and	and	CCONJ
fsr-3227	161	20	meier	meier	NOUN
fsr-3227	161	21	and	and	CCONJ
fsr-3227	161	22	sprenger	sprenger	NOUN
fsr-3227	161	23	(	(	PUNCT
fsr-3227	161	24	2013	2013	NUM
fsr-3227	161	25	)	)	PUNCT
fsr-3227	161	26	.	.	PUNCT
fsr-3227	162	1	our	our	PRON
fsr-3227	162	2	survey	survey	NOUN
fsr-3227	162	3	includes	include	VERB
fsr-3227	162	4	the	the	DET
fsr-3227	162	5	open	open	ADV
fsr-3227	162	6	-	-	PUNCT
fsr-3227	162	7	ended	end	VERB
fsr-3227	162	8	question	question	NOUN
fsr-3227	162	9	,	,	PUNCT
fsr-3227	162	10	“	"	PUNCT
fsr-3227	162	11	you	you	PRON
fsr-3227	162	12	win	win	VERB
fsr-3227	162	13	a	a	DET
fsr-3227	162	14	prize	prize	NOUN
fsr-3227	162	15	.	.	PUNCT
fsr-3227	163	1	you	you	PRON
fsr-3227	163	2	have	have	VERB
fsr-3227	163	3	the	the	DET
fsr-3227	163	4	choice	choice	NOUN
fsr-3227	163	5	to	to	PART
fsr-3227	163	6	either	either	CCONJ
fsr-3227	163	7	receive	receive	VERB
fsr-3227	163	8	$	$	SYM
fsr-3227	163	9	100	100	NUM
fsr-3227	163	10	today	today	NOUN
fsr-3227	163	11	or	or	CCONJ
fsr-3227	163	12	to	to	PART
fsr-3227	163	13	wait	wait	VERB
fsr-3227	163	14	1	1	NUM
fsr-3227	163	15	year	year	NOUN
fsr-3227	163	16	and	and	CCONJ
fsr-3227	163	17	receive	receive	VERB
fsr-3227	163	18	a	a	DET
fsr-3227	163	19	larger	large	ADJ
fsr-3227	163	20	prize	prize	NOUN
fsr-3227	163	21	.	.	PUNCT
fsr-3227	164	1	what	what	PRON
fsr-3227	164	2	is	be	AUX
fsr-3227	164	3	the	the	DET
fsr-3227	164	4	smallest	small	ADJ
fsr-3227	164	5	prize	prize	NOUN
fsr-3227	164	6	amount	amount	NOUN
fsr-3227	164	7	that	that	PRON
fsr-3227	164	8	would	would	AUX
fsr-3227	164	9	convince	convince	VERB
fsr-3227	164	10	you	you	PRON
fsr-3227	164	11	to	to	PART
fsr-3227	164	12	wait	wait	VERB
fsr-3227	164	13	1	1	NUM
fsr-3227	164	14	year	year	NOUN
fsr-3227	164	15	to	to	PART
fsr-3227	164	16	collect	collect	VERB
fsr-3227	164	17	your	your	PRON
fsr-3227	164	18	winnings	winning	NOUN
fsr-3227	164	19	?	?	PUNCT
fsr-3227	164	20	”	"	PUNCT
fsr-3227	165	1	this	this	DET
fsr-3227	165	2	question	question	NOUN
fsr-3227	165	3	is	be	AUX
fsr-3227	165	4	a	a	DET
fsr-3227	165	5	simplification	simplification	NOUN
fsr-3227	165	6	of	of	ADP
fsr-3227	165	7	the	the	DET
fsr-3227	165	8	2006	2006	NUM
fsr-3227	165	9	national	national	ADJ
fsr-3227	165	10	longitudinal	longitudinal	ADJ
fsr-3227	165	11	survey	survey	NOUN
fsr-3227	165	12	of	of	ADP
fsr-3227	165	13	youth	youth	NOUN
fsr-3227	165	14	(	(	PUNCT
fsr-3227	165	15	nlsy	nlsy	ADV
fsr-3227	165	16	)	)	PUNCT
fsr-3227	165	17	survey	survey	NOUN
fsr-3227	165	18	question	question	NOUN
fsr-3227	165	19	(	(	PUNCT
fsr-3227	165	20	bureau	bureau	NOUN
fsr-3227	165	21	of	of	ADP
fsr-3227	165	22	labor	labor	PROPN
fsr-3227	165	23	statistics	statistic	NOUN
fsr-3227	165	24	,	,	PUNCT
fsr-3227	165	25	2006	2006	NUM
fsr-3227	165	26	)	)	PUNCT
fsr-3227	165	27	.	.	PUNCT
fsr-3227	166	1	the	the	PRON
fsr-3227	166	2	nlsy	nlsy	NOUN
fsr-3227	166	3	question	question	VERB
fsr-3227	166	4	wording	wording	NOUN
fsr-3227	166	5	is	be	AUX
fsr-3227	166	6	complex	complex	ADJ
fsr-3227	166	7	and	and	CCONJ
fsr-3227	166	8	uses	use	VERB
fsr-3227	166	9	a	a	DET
fsr-3227	166	10	larger	large	ADJ
fsr-3227	166	11	dollar	dollar	NOUN
fsr-3227	166	12	amount	amount	NOUN
fsr-3227	166	13	(	(	PUNCT
fsr-3227	166	14	$	$	SYM
fsr-3227	166	15	1,000	1,000	NUM
fsr-3227	166	16	)	)	PUNCT
fsr-3227	166	17	.	.	PUNCT
fsr-3227	167	1	agarwal	agarwal	PROPN
fsr-3227	167	2	and	and	CCONJ
fsr-3227	167	3	mazumder	mazumder	PROPN
fsr-3227	167	4	(	(	PUNCT
fsr-3227	167	5	2013	2013	NUM
fsr-3227	167	6	,	,	PUNCT
fsr-3227	167	7	online	online	ADJ
fsr-3227	167	8	appendix	appendix	NOUN
fsr-3227	167	9	,	,	PUNCT
fsr-3227	167	10	p.	p.	NOUN
fsr-3227	167	11	1	1	NUM
fsr-3227	167	12	)	)	PUNCT
fsr-3227	167	13	find	find	VERB
fsr-3227	167	14	that	that	SCONJ
fsr-3227	167	15	“	"	PUNCT
fsr-3227	167	16	many	many	ADJ
fsr-3227	167	17	respondents	respondent	NOUN
fsr-3227	167	18	provided	provide	VERB
fsr-3227	167	19	answers	answer	NOUN
fsr-3227	167	20	that	that	PRON
fsr-3227	167	21	were	be	AUX
fsr-3227	167	22	clearly	clearly	ADV
fsr-3227	167	23	unreasonable	unreasonable	ADJ
fsr-3227	167	24	,	,	PUNCT
fsr-3227	167	25	with	with	ADP
fsr-3227	167	26	absurdly	absurdly	ADV
fsr-3227	167	27	high	high	ADJ
fsr-3227	167	28	implied	imply	VERB
fsr-3227	167	29	discount	discount	NOUN
fsr-3227	167	30	rates	rate	NOUN
fsr-3227	167	31	.	.	PUNCT
fsr-3227	167	32	”	"	PUNCT
fsr-3227	168	1	the	the	DET
fsr-3227	168	2	discount	discount	NOUN
fsr-3227	168	3	rates	rate	NOUN
fsr-3227	168	4	may	may	AUX
fsr-3227	168	5	reflect	reflect	VERB
fsr-3227	168	6	the	the	DET
fsr-3227	168	7	large	large	ADJ
fsr-3227	168	8	dollar	dollar	NOUN
fsr-3227	168	9	amount	amount	NOUN
fsr-3227	168	10	used	use	VERB
fsr-3227	168	11	in	in	ADP
fsr-3227	168	12	the	the	DET
fsr-3227	168	13	question	question	NOUN
fsr-3227	168	14	,	,	PUNCT
fsr-3227	168	15	math	math	NOUN
fsr-3227	168	16	skills	skill	NOUN
fsr-3227	168	17	,	,	PUNCT
fsr-3227	168	18	or	or	CCONJ
fsr-3227	168	19	the	the	DET
fsr-3227	168	20	ability	ability	NOUN
fsr-3227	168	21	to	to	PART
fsr-3227	168	22	correctly	correctly	ADV
fsr-3227	168	23	read	read	VERB
fsr-3227	168	24	and	and	CCONJ
fsr-3227	168	25	understand	understand	VERB
fsr-3227	168	26	the	the	DET
fsr-3227	168	27	question	question	NOUN
fsr-3227	168	28	.	.	PUNCT
fsr-3227	169	1	time	time	NOUN
fsr-3227	169	2	and	and	CCONJ
fsr-3227	169	3	effort	effort	NOUN
fsr-3227	169	4	cost	cost	NOUN
fsr-3227	169	5	is	be	AUX
fsr-3227	169	6	measured	measure	VERB
fsr-3227	169	7	by	by	ADP
fsr-3227	169	8	asking	ask	VERB
fsr-3227	169	9	students	student	NOUN
fsr-3227	169	10	to	to	PART
fsr-3227	169	11	identify	identify	VERB
fsr-3227	169	12	the	the	DET
fsr-3227	169	13	number	number	NOUN
fsr-3227	169	14	of	of	ADP
fsr-3227	169	15	hours	hour	NOUN
fsr-3227	169	16	per	per	ADP
fsr-3227	169	17	week	week	NOUN
fsr-3227	169	18	they	they	PRON
fsr-3227	169	19	are	be	AUX
fsr-3227	169	20	willing	willing	ADJ
fsr-3227	169	21	to	to	PART
fsr-3227	169	22	spend	spend	VERB
fsr-3227	169	23	learning	learn	VERB
fsr-3227	169	24	about	about	ADP
fsr-3227	169	25	personal	personal	ADJ
fsr-3227	169	26	finance	finance	NOUN
fsr-3227	169	27	with	with	ADP
fsr-3227	169	28	a	a	DET
fsr-3227	169	29	scale	scale	NOUN
fsr-3227	169	30	of	of	ADP
fsr-3227	169	31	0	0	NUM
fsr-3227	169	32	,	,	PUNCT
fsr-3227	169	33	0.5	0.5	NUM
fsr-3227	169	34	,	,	PUNCT
fsr-3227	169	35	1	1	NUM
fsr-3227	169	36	,	,	PUNCT
fsr-3227	169	37	2	2	NUM
fsr-3227	169	38	,	,	PUNCT
fsr-3227	169	39	on	on	ADP
fsr-3227	169	40	up	up	ADP
fsr-3227	169	41	to	to	PART
fsr-3227	169	42	5	5	NUM
fsr-3227	169	43	-	-	PUNCT
fsr-3227	169	44	plus	plus	CCONJ
fsr-3227	169	45	hours	hour	NOUN
fsr-3227	169	46	.	.	PUNCT
fsr-3227	170	1	lower	low	ADJ
fsr-3227	170	2	response	response	NOUN
fsr-3227	170	3	values	value	NOUN
fsr-3227	170	4	indicate	indicate	VERB
fsr-3227	170	5	a	a	DET
fsr-3227	170	6	higher	high	ADJ
fsr-3227	170	7	time	time	NOUN
fsr-3227	170	8	or	or	CCONJ
fsr-3227	170	9	effort	effort	NOUN
fsr-3227	170	10	cost	cost	NOUN
fsr-3227	170	11	of	of	ADP
fsr-3227	170	12	investing	invest	VERB
fsr-3227	170	13	in	in	ADP
fsr-3227	170	14	personal	personal	ADJ
fsr-3227	170	15	finance	finance	NOUN
fsr-3227	170	16	education	education	NOUN
fsr-3227	170	17	.	.	PUNCT
fsr-3227	171	1	the	the	DET
fsr-3227	171	2	initial	initial	ADJ
fsr-3227	171	3	stock	stock	NOUN
fsr-3227	171	4	of	of	ADP
fsr-3227	171	5	financial	financial	ADJ
fsr-3227	171	6	literacy	literacy	NOUN
fsr-3227	171	7	has	have	VERB
fsr-3227	171	8	two	two	NUM
fsr-3227	171	9	alternative	alternative	ADJ
fsr-3227	171	10	measures	measure	NOUN
fsr-3227	171	11	:	:	PUNCT
fsr-3227	171	12	prior	prior	ADJ
fsr-3227	171	13	financial	financial	ADJ
fsr-3227	171	14	education	education	NOUN
fsr-3227	171	15	and	and	CCONJ
fsr-3227	171	16	having	have	VERB
fsr-3227	171	17	other	other	ADJ
fsr-3227	171	18	debt	debt	NOUN
fsr-3227	171	19	excluding	exclude	VERB
fsr-3227	171	20	student	student	NOUN
fsr-3227	171	21	loans	loan	NOUN
fsr-3227	171	22	(	(	PUNCT
fsr-3227	171	23	e.g.	e.g.	ADV
fsr-3227	171	24	,	,	PUNCT
fsr-3227	171	25	credit	credit	NOUN
fsr-3227	171	26	card	card	NOUN
fsr-3227	171	27	or	or	CCONJ
fsr-3227	171	28	car	car	NOUN
fsr-3227	171	29	loan	loan	NOUN
fsr-3227	171	30	)	)	PUNCT
fsr-3227	171	31	.	.	PUNCT
fsr-3227	172	1	prior	prior	ADJ
fsr-3227	172	2	financial	financial	ADJ
fsr-3227	172	3	education	education	NOUN
fsr-3227	172	4	is	be	AUX
fsr-3227	172	5	measured	measure	VERB
fsr-3227	172	6	by	by	ADP
fsr-3227	172	7	the	the	DET
fsr-3227	172	8	yes	yes	NOUN
fsr-3227	172	9	/	/	SYM
fsr-3227	172	10	no	no	DET
fsr-3227	172	11	response	response	NOUN
fsr-3227	172	12	to	to	ADP
fsr-3227	172	13	a	a	DET
fsr-3227	172	14	question	question	NOUN
fsr-3227	172	15	about	about	ADP
fsr-3227	172	16	personal	personal	ADJ
fsr-3227	172	17	finance	finance	NOUN
fsr-3227	172	18	education	education	NOUN
fsr-3227	172	19	in	in	ADP
fsr-3227	172	20	high	high	ADJ
fsr-3227	172	21	school	school	NOUN
fsr-3227	172	22	,	,	PUNCT
fsr-3227	172	23	the	the	DET
fsr-3227	172	24	military	military	NOUN
fsr-3227	172	25	,	,	PUNCT
fsr-3227	172	26	or	or	CCONJ
fsr-3227	172	27	the	the	DET
fsr-3227	172	28	workplace	workplace	NOUN
fsr-3227	172	29	.	.	PUNCT
fsr-3227	173	1	we	we	PRON
fsr-3227	173	2	focus	focus	VERB
fsr-3227	173	3	on	on	ADP
fsr-3227	173	4	nonstudent	nonstudent	NOUN
fsr-3227	173	5	loan	loan	NOUN
fsr-3227	173	6	debt	debt	NOUN
fsr-3227	173	7	as	as	ADP
fsr-3227	173	8	an	an	DET
fsr-3227	173	9	indicator	indicator	NOUN
fsr-3227	173	10	of	of	ADP
fsr-3227	173	11	the	the	DET
fsr-3227	173	12	initial	initial	ADJ
fsr-3227	173	13	stock	stock	NOUN
fsr-3227	173	14	of	of	ADP
fsr-3227	173	15	financial	financial	ADJ
fsr-3227	173	16	literacy	literacy	NOUN
fsr-3227	173	17	because	because	SCONJ
fsr-3227	173	18	student	student	NOUN
fsr-3227	173	19	loan	loan	NOUN
fsr-3227	173	20	payments	payment	NOUN
fsr-3227	173	21	are	be	AUX
fsr-3227	173	22	deferred	defer	VERB
fsr-3227	173	23	.	.	PUNCT
fsr-3227	174	1	having	have	VERB
fsr-3227	174	2	nonstudent	nonstudent	NOUN
fsr-3227	174	3	loan	loan	NOUN
fsr-3227	174	4	debt	debt	NOUN
fsr-3227	174	5	is	be	AUX
fsr-3227	174	6	the	the	DET
fsr-3227	174	7	yes	yes	NOUN
fsr-3227	174	8	/	/	SYM
fsr-3227	174	9	no	no	DET
fsr-3227	174	10	response	response	NOUN
fsr-3227	174	11	to	to	ADP
fsr-3227	174	12	the	the	DET
fsr-3227	174	13	question	question	NOUN
fsr-3227	174	14	,	,	PUNCT
fsr-3227	174	15	“	"	PUNCT
fsr-3227	174	16	i	i	PRON
fsr-3227	174	17	have	have	VERB
fsr-3227	174	18	other	other	ADJ
fsr-3227	174	19	,	,	PUNCT
fsr-3227	174	20	nonstudent	nonstudent	NOUN
fsr-3227	174	21	loan	loan	NOUN
fsr-3227	174	22	debt	debt	NOUN
fsr-3227	174	23	(	(	PUNCT
fsr-3227	174	24	e.g.	e.g.	ADV
fsr-3227	174	25	,	,	PUNCT
fsr-3227	174	26	credit	credit	NOUN
fsr-3227	174	27	card	card	NOUN
fsr-3227	174	28	,	,	PUNCT
fsr-3227	174	29	car	car	NOUN
fsr-3227	174	30	loan	loan	NOUN
fsr-3227	174	31	,	,	PUNCT
fsr-3227	174	32	etc	etc	X
fsr-3227	174	33	.	.	X
fsr-3227	174	34	)	)	PUNCT
fsr-3227	174	35	.	.	PUNCT
fsr-3227	174	36	”	"	PUNCT
fsr-3227	175	1	we	we	PRON
fsr-3227	175	2	recognize	recognize	VERB
fsr-3227	175	3	that	that	SCONJ
fsr-3227	175	4	many	many	ADJ
fsr-3227	175	5	students	student	NOUN
fsr-3227	175	6	may	may	AUX
fsr-3227	175	7	not	not	PART
fsr-3227	175	8	have	have	VERB
fsr-3227	175	9	a	a	DET
fsr-3227	175	10	credit	credit	NOUN
fsr-3227	175	11	card	card	NOUN
fsr-3227	175	12	because	because	SCONJ
fsr-3227	175	13	of	of	ADP
fsr-3227	175	14	current	current	ADJ
fsr-3227	175	15	credit	credit	NOUN
fsr-3227	175	16	card	card	NOUN
fsr-3227	175	17	laws	law	NOUN
fsr-3227	175	18	that	that	PRON
fsr-3227	175	19	may	may	AUX
fsr-3227	175	20	prevent	prevent	VERB
fsr-3227	175	21	students	student	NOUN
fsr-3227	175	22	under	under	ADP
fsr-3227	175	23	the	the	DET
fsr-3227	175	24	age	age	NOUN
fsr-3227	175	25	of	of	ADP
fsr-3227	175	26	21	21	NUM
fsr-3227	175	27	from	from	ADP
fsr-3227	175	28	obtaining	obtain	VERB
fsr-3227	175	29	a	a	DET
fsr-3227	175	30	credit	credit	NOUN
fsr-3227	175	31	card	card	NOUN
fsr-3227	175	32	without	without	ADP
fsr-3227	175	33	a	a	DET
fsr-3227	175	34	cosigner	cosigner	NOUN
fsr-3227	175	35	.	.	PUNCT
fsr-3227	176	1	perceived	perceive	VERB
fsr-3227	176	2	return	return	NOUN
fsr-3227	176	3	on	on	ADP
fsr-3227	176	4	financial	financial	ADJ
fsr-3227	176	5	literacy	literacy	NOUN
fsr-3227	176	6	is	be	AUX
fsr-3227	176	7	measured	measure	VERB
fsr-3227	176	8	by	by	ADP
fsr-3227	176	9	the	the	DET
fsr-3227	176	10	response	response	NOUN
fsr-3227	176	11	to	to	ADP
fsr-3227	176	12	the	the	DET
fsr-3227	176	13	question	question	NOUN
fsr-3227	176	14	,	,	PUNCT
fsr-3227	176	15	“	"	PUNCT
fsr-3227	176	16	learning	learn	VERB
fsr-3227	176	17	about	about	ADP
fsr-3227	176	18	personal	personal	ADJ
fsr-3227	176	19	finance	finance	NOUN
fsr-3227	176	20	topics	topic	NOUN
fsr-3227	176	21	while	while	SCONJ
fsr-3227	176	22	in	in	ADP
fsr-3227	176	23	college	college	NOUN
fsr-3227	176	24	will	will	AUX
fsr-3227	176	25	improve	improve	VERB
fsr-3227	176	26	my	my	PRON
fsr-3227	176	27	ability	ability	NOUN
fsr-3227	176	28	to	to	PART
fsr-3227	176	29	make	make	VERB
fsr-3227	176	30	good	good	ADJ
fsr-3227	176	31	financial	financial	ADJ
fsr-3227	176	32	decisions	decision	NOUN
fsr-3227	176	33	in	in	ADP
fsr-3227	176	34	the	the	DET
fsr-3227	176	35	future	future	NOUN
fsr-3227	176	36	.	.	PUNCT
fsr-3227	176	37	”	"	PUNCT
fsr-3227	177	1	the	the	DET
fsr-3227	177	2	responses	response	NOUN
fsr-3227	177	3	follow	follow	VERB
fsr-3227	177	4	a	a	DET
fsr-3227	177	5	7	7	NUM
fsr-3227	177	6	-	-	PUNCT
fsr-3227	177	7	point	point	NOUN
fsr-3227	177	8	likert	likert	ADJ
fsr-3227	177	9	scale	scale	NOUN
fsr-3227	177	10	(	(	PUNCT
fsr-3227	177	11	1	1	NUM
fsr-3227	177	12	�	�	PROPN
fsr-3227	177	13	strongly	strongly	ADV
fsr-3227	177	14	disagree	disagree	VERB
fsr-3227	177	15	,	,	PUNCT
fsr-3227	177	16	7	7	NUM
fsr-3227	177	17	�	�	NOUN
fsr-3227	177	18	strongly	strongly	ADV
fsr-3227	177	19	agree	agree	VERB
fsr-3227	177	20	)	)	PUNCT
fsr-3227	177	21	.	.	PUNCT
fsr-3227	178	1	the	the	DET
fsr-3227	178	2	degree	degree	NOUN
fsr-3227	178	3	of	of	ADP
fsr-3227	178	4	financial	financial	ADJ
fsr-3227	178	5	independence	independence	NOUN
fsr-3227	178	6	is	be	AUX
fsr-3227	178	7	measured	measure	VERB
fsr-3227	178	8	by	by	ADP
fsr-3227	178	9	asking	ask	VERB
fsr-3227	178	10	students	student	NOUN
fsr-3227	178	11	to	to	PART
fsr-3227	178	12	identify	identify	VERB
fsr-3227	178	13	the	the	DET
fsr-3227	178	14	percentage	percentage	NOUN
fsr-3227	178	15	of	of	ADP
fsr-3227	178	16	self	self	NOUN
fsr-3227	178	17	-	-	PUNCT
fsr-3227	178	18	paid	pay	VERB
fsr-3227	178	19	living	living	NOUN
fsr-3227	178	20	expenses	expense	NOUN
fsr-3227	178	21	using	use	VERB
fsr-3227	178	22	the	the	DET
fsr-3227	178	23	examples	example	NOUN
fsr-3227	178	24	of	of	ADP
fsr-3227	178	25	food	food	NOUN
fsr-3227	178	26	,	,	PUNCT
fsr-3227	178	27	housing	housing	NOUN
fsr-3227	178	28	,	,	PUNCT
fsr-3227	178	29	and	and	CCONJ
fsr-3227	178	30	so	so	ADV
fsr-3227	178	31	forth	forth	ADV
fsr-3227	178	32	.	.	PUNCT
fsr-3227	179	1	the	the	DET
fsr-3227	179	2	survey	survey	NOUN
fsr-3227	179	3	question	question	NOUN
fsr-3227	179	4	has	have	VERB
fsr-3227	179	5	five	five	NUM
fsr-3227	179	6	response	response	NOUN
fsr-3227	179	7	categories	category	NOUN
fsr-3227	179	8	(	(	PUNCT
fsr-3227	179	9	0	0	NUM
fsr-3227	179	10	%	%	NOUN
fsr-3227	179	11	,	,	PUNCT
fsr-3227	179	12	�	�	PROPN
fsr-3227	179	13	50	50	NUM
fsr-3227	179	14	%	%	NOUN
fsr-3227	179	15	,	,	PUNCT
fsr-3227	179	16	50	50	NUM
fsr-3227	179	17	%	%	NOUN
fsr-3227	179	18	,	,	PUNCT
fsr-3227	179	19	�	�	PROPN
fsr-3227	179	20	50	50	NUM
fsr-3227	179	21	%	%	NOUN
fsr-3227	179	22	,	,	PUNCT
fsr-3227	179	23	and	and	CCONJ
fsr-3227	179	24	100	100	NUM
fsr-3227	179	25	%	%	NOUN
fsr-3227	179	26	)	)	PUNCT
fsr-3227	179	27	ranked	rank	VERB
fsr-3227	179	28	as	as	ADP
fsr-3227	179	29	0	0	NUM
fsr-3227	179	30	%	%	NOUN
fsr-3227	179	31	�	�	NOUN
fsr-3227	179	32	1	1	NUM
fsr-3227	179	33	to	to	PART
fsr-3227	179	34	100	100	NUM
fsr-3227	179	35	%	%	NOUN
fsr-3227	179	36	�	�	PROPN
fsr-3227	179	37	5	5	NUM
fsr-3227	179	38	.	.	PUNCT
fsr-3227	180	1	the	the	DET
fsr-3227	180	2	survey	survey	NOUN
fsr-3227	180	3	includes	include	VERB
fsr-3227	180	4	three	three	NUM
fsr-3227	180	5	measures	measure	NOUN
fsr-3227	180	6	of	of	ADP
fsr-3227	180	7	numerical	numerical	ADJ
fsr-3227	180	8	ability	ability	NOUN
fsr-3227	180	9	for	for	ADP
fsr-3227	180	10	robustness	robustness	NOUN
fsr-3227	180	11	:	:	PUNCT
fsr-3227	180	12	self	self	NOUN
fsr-3227	180	13	-	-	PUNCT
fsr-3227	180	14	perception	perception	NOUN
fsr-3227	180	15	of	of	ADP
fsr-3227	180	16	math	math	NOUN
fsr-3227	180	17	ability	ability	NOUN
fsr-3227	180	18	,	,	PUNCT
fsr-3227	180	19	self	self	NOUN
fsr-3227	180	20	-	-	PUNCT
fsr-3227	180	21	reported	report	VERB
fsr-3227	180	22	highest	high	ADJ
fsr-3227	180	23	level	level	NOUN
fsr-3227	180	24	of	of	ADP
fsr-3227	180	25	completed	complete	VERB
fsr-3227	180	26	math	math	NOUN
fsr-3227	180	27	course	course	NOUN
fsr-3227	180	28	,	,	PUNCT
fsr-3227	180	29	and	and	CCONJ
fsr-3227	180	30	a	a	DET
fsr-3227	180	31	rank	rank	NOUN
fsr-3227	180	32	based	base	VERB
fsr-3227	180	33	on	on	ADP
fsr-3227	180	34	the	the	DET
fsr-3227	180	35	number	number	NOUN
fsr-3227	180	36	of	of	ADP
fsr-3227	180	37	correct	correct	ADJ
fsr-3227	180	38	responses	response	NOUN
fsr-3227	180	39	to	to	ADP
fsr-3227	180	40	a	a	DET
fsr-3227	180	41	5	5	NUM
fsr-3227	180	42	-	-	PUNCT
fsr-3227	180	43	question	question	NOUN
fsr-3227	180	44	quiz	quiz	NOUN
fsr-3227	180	45	modeled	model	VERB
fsr-3227	180	46	after	after	ADP
fsr-3227	180	47	banks	bank	NOUN
fsr-3227	180	48	and	and	CCONJ
fsr-3227	180	49	oldfield	oldfield	PROPN
fsr-3227	180	50	(	(	PUNCT
fsr-3227	180	51	2007	2007	NUM
fsr-3227	180	52	)	)	PUNCT
fsr-3227	180	53	.	.	PUNCT
fsr-3227	181	1	for	for	ADP
fsr-3227	181	2	the	the	DET
fsr-3227	181	3	first	first	ADJ
fsr-3227	181	4	measure	measure	NOUN
fsr-3227	181	5	,	,	PUNCT
fsr-3227	181	6	each	each	DET
fsr-3227	181	7	student	student	NOUN
fsr-3227	181	8	rates	rate	VERB
fsr-3227	181	9	her	she	PRON
fsr-3227	181	10	/	/	SYM
fsr-3227	181	11	his	his	PRON
fsr-3227	181	12	mathematical	mathematical	ADJ
fsr-3227	181	13	ability	ability	NOUN
fsr-3227	181	14	compared	compare	VERB
fsr-3227	181	15	with	with	ADP
fsr-3227	181	16	the	the	DET
fsr-3227	181	17	average	average	ADJ
fsr-3227	181	18	peer	peer	NOUN
fsr-3227	181	19	following	follow	VERB
fsr-3227	181	20	the	the	DET
fsr-3227	181	21	5	5	NUM
fsr-3227	181	22	-	-	PUNCT
fsr-3227	181	23	point	point	NOUN
fsr-3227	181	24	rating	rating	NOUN
fsr-3227	181	25	scheme	scheme	NOUN
fsr-3227	181	26	in	in	ADP
fsr-3227	181	27	bansak	bansak	PROPN
fsr-3227	181	28	and	and	CCONJ
fsr-3227	181	29	starr	starr	PROPN
fsr-3227	181	30	(	(	PUNCT
fsr-3227	181	31	2010	2010	NUM
fsr-3227	181	32	)	)	PUNCT
fsr-3227	181	33	(	(	PUNCT
fsr-3227	181	34	bottom	bottom	NOUN
fsr-3227	181	35	10	10	NUM
fsr-3227	181	36	%	%	NOUN
fsr-3227	181	37	,	,	PUNCT
fsr-3227	181	38	below	below	ADP
fsr-3227	181	39	average	average	ADJ
fsr-3227	181	40	,	,	PUNCT
fsr-3227	181	41	average	average	ADJ
fsr-3227	181	42	,	,	PUNCT
fsr-3227	181	43	above	above	ADP
fsr-3227	181	44	average	average	ADJ
fsr-3227	181	45	,	,	PUNCT
fsr-3227	181	46	and	and	CCONJ
fsr-3227	181	47	top	top	ADJ
fsr-3227	181	48	10	10	NUM
fsr-3227	181	49	%	%	NOUN
fsr-3227	181	50	)	)	PUNCT
fsr-3227	181	51	.	.	PUNCT
fsr-3227	182	1	bansak	bansak	PROPN
fsr-3227	182	2	and	and	CCONJ
fsr-3227	182	3	starr	starr	PROPN
fsr-3227	182	4	find	find	VERB
fsr-3227	182	5	that	that	SCONJ
fsr-3227	182	6	student	student	NOUN
fsr-3227	182	7	perception	perception	NOUN
fsr-3227	182	8	of	of	ADP
fsr-3227	182	9	math	math	NOUN
fsr-3227	182	10	ability	ability	NOUN
fsr-3227	182	11	closely	closely	ADV
fsr-3227	182	12	corresponds	correspond	VERB
fsr-3227	182	13	to	to	ADP
fsr-3227	182	14	self	self	NOUN
fsr-3227	182	15	-	-	PUNCT
fsr-3227	182	16	reported	report	VERB
fsr-3227	182	17	college	college	NOUN
fsr-3227	182	18	entrance	entrance	NOUN
fsr-3227	182	19	exam	exam	NOUN
fsr-3227	182	20	scores	score	NOUN
fsr-3227	182	21	.	.	PUNCT
fsr-3227	183	1	the	the	DET
fsr-3227	183	2	second	second	ADJ
fsr-3227	183	3	measure	measure	NOUN
fsr-3227	183	4	is	be	AUX
fsr-3227	183	5	the	the	DET
fsr-3227	183	6	self	self	NOUN
fsr-3227	183	7	-	-	PUNCT
fsr-3227	183	8	reported	report	VERB
fsr-3227	183	9	,	,	PUNCT
fsr-3227	183	10	highest	high	ADJ
fsr-3227	183	11	-	-	PUNCT
fsr-3227	183	12	level	level	NOUN
fsr-3227	183	13	math	math	NOUN
fsr-3227	183	14	course	course	NOUN
fsr-3227	183	15	completed	complete	VERB
fsr-3227	183	16	.	.	PUNCT
fsr-3227	184	1	cole	cole	PROPN
fsr-3227	184	2	et	et	PROPN
fsr-3227	184	3	al	al	PROPN
fsr-3227	184	4	.	.	PROPN
fsr-3227	184	5	,	,	PUNCT
fsr-3227	184	6	(	(	PUNCT
fsr-3227	184	7	2016	2016	NUM
fsr-3227	184	8	)	)	PUNCT
fsr-3227	184	9	find	find	VERB
fsr-3227	184	10	that	that	SCONJ
fsr-3227	184	11	more	more	ADJ
fsr-3227	184	12	math	math	NOUN
fsr-3227	184	13	education	education	NOUN
fsr-3227	184	14	predicts	predict	VERB
fsr-3227	184	15	better	well	ADJ
fsr-3227	184	16	financial	financial	ADJ
fsr-3227	184	17	outcomes	outcome	NOUN
fsr-3227	184	18	.	.	PUNCT
fsr-3227	185	1	we	we	PRON
fsr-3227	185	2	provide	provide	VERB
fsr-3227	185	3	a	a	DET
fsr-3227	185	4	checklist	checklist	NOUN
fsr-3227	185	5	of	of	ADP
fsr-3227	185	6	typical	typical	ADJ
fsr-3227	185	7	college	college	NOUN
fsr-3227	185	8	math	math	NOUN
fsr-3227	185	9	courses	course	NOUN
fsr-3227	185	10	and	and	CCONJ
fsr-3227	185	11	a	a	DET
fsr-3227	185	12	write	write	VERB
fsr-3227	185	13	-	-	PUNCT
fsr-3227	185	14	in	in	ADP
fsr-3227	185	15	response	response	NOUN
fsr-3227	185	16	for	for	ADP
fsr-3227	185	17	other	other	ADJ
fsr-3227	185	18	math	math	NOUN
fsr-3227	185	19	courses	course	NOUN
fsr-3227	185	20	completed	complete	VERB
fsr-3227	185	21	including	include	VERB
fsr-3227	185	22	advanced	advanced	ADJ
fsr-3227	185	23	placement	placement	NOUN
fsr-3227	185	24	courses	course	NOUN
fsr-3227	185	25	.	.	PUNCT
fsr-3227	186	1	358	358	NUM
fsr-3227	186	2	c.	c.	PROPN
fsr-3227	186	3	harrington	harrington	PROPN
fsr-3227	186	4	,	,	PUNCT
fsr-3227	186	5	w.	w.	PROPN
fsr-3227	186	6	smith	smith	PROPN
fsr-3227	186	7	/	/	SYM
fsr-3227	186	8	financial	financial	ADJ
fsr-3227	186	9	services	service	NOUN
fsr-3227	186	10	review	review	VERB
fsr-3227	186	11	25	25	NUM
fsr-3227	186	12	(	(	PUNCT
fsr-3227	186	13	2016	2016	NUM
fsr-3227	186	14	)	)	PUNCT
fsr-3227	187	1	351–372	351–372	NUM
fsr-3227	187	2	the	the	DET
fsr-3227	187	3	five	five	NUM
fsr-3227	187	4	questions	question	NOUN
fsr-3227	187	5	from	from	ADP
fsr-3227	187	6	banks	bank	NOUN
fsr-3227	187	7	and	and	CCONJ
fsr-3227	187	8	oldfield	oldfield	PROPN
fsr-3227	187	9	(	(	PUNCT
fsr-3227	187	10	2007	2007	NUM
fsr-3227	187	11	)	)	PUNCT
fsr-3227	187	12	are	be	AUX
fsr-3227	187	13	open	open	ADJ
fsr-3227	187	14	-	-	PUNCT
fsr-3227	187	15	ended	end	VERB
fsr-3227	187	16	and	and	CCONJ
fsr-3227	187	17	students	student	NOUN
fsr-3227	187	18	are	be	AUX
fsr-3227	187	19	not	not	PART
fsr-3227	187	20	permitted	permit	VERB
fsr-3227	187	21	to	to	PART
fsr-3227	187	22	use	use	VERB
fsr-3227	187	23	a	a	DET
fsr-3227	187	24	calculator	calculator	NOUN
fsr-3227	187	25	to	to	PART
fsr-3227	187	26	answer	answer	VERB
fsr-3227	187	27	the	the	DET
fsr-3227	187	28	questions	question	NOUN
fsr-3227	187	29	.	.	PUNCT
fsr-3227	188	1	because	because	SCONJ
fsr-3227	188	2	we	we	PRON
fsr-3227	188	3	use	use	VERB
fsr-3227	188	4	paper	paper	NOUN
fsr-3227	188	5	surveys	survey	NOUN
fsr-3227	188	6	and	and	CCONJ
fsr-3227	188	7	can	can	AUX
fsr-3227	188	8	not	not	PART
fsr-3227	188	9	control	control	VERB
fsr-3227	188	10	the	the	DET
fsr-3227	188	11	order	order	NOUN
fsr-3227	188	12	in	in	ADP
fsr-3227	188	13	which	which	PRON
fsr-3227	188	14	the	the	DET
fsr-3227	188	15	questions	question	NOUN
fsr-3227	188	16	are	be	AUX
fsr-3227	188	17	answered	answer	VERB
fsr-3227	188	18	,	,	PUNCT
fsr-3227	188	19	we	we	PRON
fsr-3227	188	20	omit	omit	VERB
fsr-3227	188	21	the	the	DET
fsr-3227	188	22	first	first	ADJ
fsr-3227	188	23	question	question	NOUN
fsr-3227	188	24	in	in	ADP
fsr-3227	188	25	banks	bank	NOUN
fsr-3227	188	26	and	and	CCONJ
fsr-3227	188	27	oldfield	oldfield	PROPN
fsr-3227	188	28	that	that	PRON
fsr-3227	188	29	is	be	AUX
fsr-3227	188	30	offered	offer	VERB
fsr-3227	188	31	only	only	ADV
fsr-3227	188	32	in	in	ADP
fsr-3227	188	33	the	the	DET
fsr-3227	188	34	event	event	NOUN
fsr-3227	188	35	that	that	SCONJ
fsr-3227	188	36	a	a	DET
fsr-3227	188	37	survey	survey	NOUN
fsr-3227	188	38	participant	participant	NOUN
fsr-3227	188	39	incorrectly	incorrectly	ADV
fsr-3227	188	40	answers	answer	VERB
fsr-3227	188	41	the	the	DET
fsr-3227	188	42	subsequent	subsequent	ADJ
fsr-3227	188	43	three	three	NUM
fsr-3227	188	44	questions	question	NOUN
fsr-3227	188	45	.	.	PUNCT
fsr-3227	189	1	survey	survey	NOUN
fsr-3227	189	2	questions	question	NOUN
fsr-3227	189	3	are	be	AUX
fsr-3227	189	4	ordered	order	VERB
fsr-3227	189	5	by	by	ADP
fsr-3227	189	6	difficulty	difficulty	NOUN
fsr-3227	189	7	and	and	CCONJ
fsr-3227	189	8	labeled	label	VERB
fsr-3227	189	9	q1	q1	PROPN
fsr-3227	189	10	-	-	PUNCT
fsr-3227	189	11	q5	q5	PROPN
fsr-3227	189	12	.	.	PUNCT
fsr-3227	190	1	individual	individual	PROPN
fsr-3227	190	2	numerical	numerical	ADJ
fsr-3227	190	3	ability	ability	NOUN
fsr-3227	190	4	is	be	AUX
fsr-3227	190	5	classified	classify	VERB
fsr-3227	190	6	into	into	ADP
fsr-3227	190	7	four	four	NUM
fsr-3227	190	8	groups	group	NOUN
fsr-3227	190	9	based	base	VERB
fsr-3227	190	10	on	on	ADP
fsr-3227	190	11	banks	bank	NOUN
fsr-3227	190	12	and	and	CCONJ
fsr-3227	190	13	oldfield	oldfield	PROPN
fsr-3227	190	14	.	.	PUNCT
fsr-3227	191	1	group	group	NOUN
fsr-3227	191	2	1	1	NUM
fsr-3227	191	3	displays	display	VERB
fsr-3227	191	4	the	the	DET
fsr-3227	191	5	lowest	low	ADJ
fsr-3227	191	6	numerical	numerical	ADJ
fsr-3227	191	7	ability	ability	NOUN
fsr-3227	191	8	and	and	CCONJ
fsr-3227	191	9	either	either	ADV
fsr-3227	191	10	incorrectly	incorrectly	ADV
fsr-3227	191	11	answers	answer	VERB
fsr-3227	191	12	q1	q1	NOUN
fsr-3227	191	13	-	-	PUNCT
fsr-3227	191	14	q3	q3	NOUN
fsr-3227	191	15	,	,	PUNCT
fsr-3227	191	16	or	or	CCONJ
fsr-3227	191	17	correctly	correctly	ADV
fsr-3227	191	18	answers	answer	VERB
fsr-3227	191	19	q1	q1	NOUN
fsr-3227	191	20	with	with	ADP
fsr-3227	191	21	incorrect	incorrect	ADJ
fsr-3227	191	22	answers	answer	NOUN
fsr-3227	191	23	for	for	ADP
fsr-3227	191	24	q2	q2	NOUN
fsr-3227	191	25	-	-	PUNCT
fsr-3227	191	26	q4	q4	PROPN
fsr-3227	191	27	.	.	PUNCT
fsr-3227	192	1	group	group	PROPN
fsr-3227	192	2	2	2	NUM
fsr-3227	192	3	has	have	VERB
fsr-3227	192	4	at	at	ADV
fsr-3227	192	5	least	least	ADJ
fsr-3227	192	6	one	one	NUM
fsr-3227	192	7	correct	correct	ADJ
fsr-3227	192	8	answer	answer	NOUN
fsr-3227	192	9	to	to	ADP
fsr-3227	192	10	q2	q2	NOUN
fsr-3227	192	11	-	-	PUNCT
fsr-3227	192	12	q4	q4	PROPN
fsr-3227	192	13	.	.	PUNCT
fsr-3227	193	1	group	group	NOUN
fsr-3227	193	2	3	3	NUM
fsr-3227	193	3	correctly	correctly	ADV
fsr-3227	193	4	answers	answer	VERB
fsr-3227	193	5	q1	q1	PROPN
fsr-3227	193	6	-	-	PUNCT
fsr-3227	193	7	q4	q4	PROPN
fsr-3227	193	8	with	with	ADP
fsr-3227	193	9	q5	q5	PROPN
fsr-3227	193	10	incorrect	incorrect	ADJ
fsr-3227	193	11	.	.	PUNCT
fsr-3227	194	1	group	group	NOUN
fsr-3227	194	2	4	4	NUM
fsr-3227	194	3	correctly	correctly	ADV
fsr-3227	194	4	answers	answer	VERB
fsr-3227	194	5	q1	q1	PROPN
fsr-3227	194	6	-	-	PUNCT
fsr-3227	194	7	q5	q5	PROPN
fsr-3227	194	8	.	.	PUNCT
fsr-3227	195	1	to	to	PART
fsr-3227	195	2	analyze	analyze	VERB
fsr-3227	195	3	interest	interest	NOUN
fsr-3227	195	4	in	in	ADP
fsr-3227	195	5	student	student	NOUN
fsr-3227	195	6	loans	loan	NOUN
fsr-3227	195	7	and	and	CCONJ
fsr-3227	195	8	credit	credit	NOUN
fsr-3227	195	9	cards	card	NOUN
fsr-3227	195	10	,	,	PUNCT
fsr-3227	195	11	we	we	PRON
fsr-3227	195	12	ask	ask	VERB
fsr-3227	195	13	if	if	SCONJ
fsr-3227	195	14	students	student	NOUN
fsr-3227	195	15	have	have	VERB
fsr-3227	195	16	a	a	DET
fsr-3227	195	17	student	student	NOUN
fsr-3227	195	18	loan	loan	NOUN
fsr-3227	195	19	(	(	PUNCT
fsr-3227	195	20	yes	yes	INTJ
fsr-3227	195	21	/	/	SYM
fsr-3227	195	22	no	no	NOUN
fsr-3227	195	23	)	)	PUNCT
fsr-3227	195	24	and	and	CCONJ
fsr-3227	195	25	a	a	DET
fsr-3227	195	26	credit	credit	NOUN
fsr-3227	195	27	card	card	NOUN
fsr-3227	195	28	(	(	PUNCT
fsr-3227	195	29	yes	yes	INTJ
fsr-3227	195	30	/	/	SYM
fsr-3227	195	31	no	no	NOUN
fsr-3227	195	32	)	)	PUNCT
fsr-3227	195	33	.	.	PUNCT
fsr-3227	196	1	having	have	VERB
fsr-3227	196	2	a	a	DET
fsr-3227	196	3	student	student	NOUN
fsr-3227	196	4	loan	loan	NOUN
fsr-3227	196	5	may	may	AUX
fsr-3227	196	6	drive	drive	VERB
fsr-3227	196	7	interest	interest	NOUN
fsr-3227	196	8	in	in	ADP
fsr-3227	196	9	learning	learn	VERB
fsr-3227	196	10	about	about	ADP
fsr-3227	196	11	student	student	NOUN
fsr-3227	196	12	loans	loan	NOUN
fsr-3227	196	13	.	.	PUNCT
fsr-3227	197	1	having	have	VERB
fsr-3227	197	2	a	a	DET
fsr-3227	197	3	credit	credit	NOUN
fsr-3227	197	4	card	card	NOUN
fsr-3227	197	5	in	in	ADP
fsr-3227	197	6	combination	combination	NOUN
fsr-3227	197	7	with	with	ADP
fsr-3227	197	8	financial	financial	ADJ
fsr-3227	197	9	responsibility	responsibility	NOUN
fsr-3227	197	10	for	for	ADP
fsr-3227	197	11	paying	pay	VERB
fsr-3227	197	12	the	the	DET
fsr-3227	197	13	credit	credit	NOUN
fsr-3227	197	14	card	card	NOUN
fsr-3227	197	15	bill	bill	NOUN
fsr-3227	197	16	may	may	AUX
fsr-3227	197	17	be	be	AUX
fsr-3227	197	18	helpful	helpful	ADJ
fsr-3227	197	19	to	to	PART
fsr-3227	197	20	understand	understand	VERB
fsr-3227	197	21	student	student	NOUN
fsr-3227	197	22	interest	interest	NOUN
fsr-3227	197	23	in	in	ADP
fsr-3227	197	24	learning	learn	VERB
fsr-3227	197	25	about	about	ADP
fsr-3227	197	26	credit	credit	NOUN
fsr-3227	197	27	cards	card	NOUN
fsr-3227	197	28	.	.	PUNCT
fsr-3227	198	1	financial	financial	ADJ
fsr-3227	198	2	responsibility	responsibility	NOUN
fsr-3227	198	3	for	for	ADP
fsr-3227	198	4	a	a	DET
fsr-3227	198	5	credit	credit	NOUN
fsr-3227	198	6	card	card	NOUN
fsr-3227	198	7	is	be	AUX
fsr-3227	198	8	measured	measure	VERB
fsr-3227	198	9	by	by	ADP
fsr-3227	198	10	asking	ask	VERB
fsr-3227	198	11	students	student	NOUN
fsr-3227	198	12	to	to	PART
fsr-3227	198	13	identify	identify	VERB
fsr-3227	198	14	the	the	DET
fsr-3227	198	15	percentage	percentage	NOUN
fsr-3227	198	16	of	of	ADP
fsr-3227	198	17	the	the	DET
fsr-3227	198	18	credit	credit	NOUN
fsr-3227	198	19	card	card	NOUN
fsr-3227	198	20	bill	bill	NOUN
fsr-3227	198	21	paid	pay	VERB
fsr-3227	198	22	by	by	ADP
fsr-3227	198	23	themselves	themselves	PRON
fsr-3227	198	24	(	(	PUNCT
fsr-3227	198	25	0	0	NUM
fsr-3227	198	26	%	%	NOUN
fsr-3227	198	27	,	,	PUNCT
fsr-3227	198	28	�	�	PROPN
fsr-3227	198	29	50	50	NUM
fsr-3227	198	30	%	%	NOUN
fsr-3227	198	31	,	,	PUNCT
fsr-3227	198	32	50	50	NUM
fsr-3227	198	33	%	%	NOUN
fsr-3227	198	34	,	,	PUNCT
fsr-3227	198	35	�	�	PROPN
fsr-3227	198	36	50	50	NUM
fsr-3227	198	37	%	%	NOUN
fsr-3227	198	38	,	,	PUNCT
fsr-3227	198	39	and	and	CCONJ
fsr-3227	198	40	100	100	NUM
fsr-3227	198	41	%	%	NOUN
fsr-3227	198	42	)	)	PUNCT
fsr-3227	198	43	.	.	PUNCT
fsr-3227	199	1	we	we	PRON
fsr-3227	199	2	also	also	ADV
fsr-3227	199	3	collect	collect	VERB
fsr-3227	199	4	gender	gender	NOUN
fsr-3227	199	5	.	.	PUNCT
fsr-3227	200	1	gender	gender	NOUN
fsr-3227	200	2	may	may	AUX
fsr-3227	200	3	capture	capture	VERB
fsr-3227	200	4	inherent	inherent	ADJ
fsr-3227	200	5	interest	interest	NOUN
fsr-3227	200	6	in	in	ADP
fsr-3227	200	7	personal	personal	ADJ
fsr-3227	200	8	finance	finance	NOUN
fsr-3227	200	9	.	.	PUNCT
fsr-3227	201	1	for	for	ADP
fsr-3227	201	2	example	example	NOUN
fsr-3227	201	3	,	,	PUNCT
fsr-3227	201	4	beierlein	beierlein	NOUN
fsr-3227	201	5	and	and	CCONJ
fsr-3227	201	6	neverett	neverett	PROPN
fsr-3227	201	7	(	(	PUNCT
fsr-3227	201	8	2013	2013	NUM
fsr-3227	201	9	)	)	PUNCT
fsr-3227	201	10	find	find	VERB
fsr-3227	201	11	that	that	SCONJ
fsr-3227	201	12	males	male	NOUN
fsr-3227	201	13	are	be	AUX
fsr-3227	201	14	more	more	ADV
fsr-3227	201	15	likely	likely	ADJ
fsr-3227	201	16	to	to	PART
fsr-3227	201	17	enroll	enroll	VERB
fsr-3227	201	18	in	in	ADP
fsr-3227	201	19	a	a	DET
fsr-3227	201	20	personal	personal	ADJ
fsr-3227	201	21	finance	finance	NOUN
fsr-3227	201	22	course	course	NOUN
fsr-3227	201	23	.	.	PUNCT
fsr-3227	202	1	chen	chen	PROPN
fsr-3227	202	2	and	and	CCONJ
fsr-3227	202	3	volpe	volpe	PROPN
fsr-3227	202	4	(	(	PUNCT
fsr-3227	202	5	2002	2002	NUM
fsr-3227	202	6	)	)	PUNCT
fsr-3227	202	7	find	find	VERB
fsr-3227	202	8	gender	gender	NOUN
fsr-3227	202	9	differences	difference	NOUN
fsr-3227	202	10	among	among	ADP
fsr-3227	202	11	college	college	NOUN
fsr-3227	202	12	students	student	NOUN
fsr-3227	202	13	related	relate	VERB
fsr-3227	202	14	to	to	ADP
fsr-3227	202	15	the	the	DET
fsr-3227	202	16	perception	perception	NOUN
fsr-3227	202	17	of	of	ADP
fsr-3227	202	18	personal	personal	ADJ
fsr-3227	202	19	finance	finance	NOUN
fsr-3227	202	20	,	,	PUNCT
fsr-3227	202	21	where	where	SCONJ
fsr-3227	202	22	male	male	ADJ
fsr-3227	202	23	students	student	NOUN
fsr-3227	202	24	rank	rank	VERB
fsr-3227	202	25	personal	personal	ADJ
fsr-3227	202	26	finance	finance	NOUN
fsr-3227	202	27	courses	course	NOUN
fsr-3227	202	28	as	as	ADV
fsr-3227	202	29	relatively	relatively	ADV
fsr-3227	202	30	more	more	ADV
fsr-3227	202	31	important	important	ADJ
fsr-3227	202	32	.	.	PUNCT
fsr-3227	203	1	3.2	3.2	NUM
fsr-3227	203	2	.	.	PUNCT
fsr-3227	204	1	survey	survey	NOUN
fsr-3227	204	2	protocol	protocol	VERB
fsr-3227	204	3	this	this	DET
fsr-3227	204	4	research	research	NOUN
fsr-3227	204	5	involving	involve	VERB
fsr-3227	204	6	human	human	ADJ
fsr-3227	204	7	subjects	subject	NOUN
fsr-3227	204	8	is	be	AUX
fsr-3227	204	9	approved	approve	VERB
fsr-3227	204	10	by	by	ADP
fsr-3227	204	11	the	the	DET
fsr-3227	204	12	university	university	NOUN
fsr-3227	204	13	’s	’s	PART
fsr-3227	204	14	institutional	institutional	PROPN
fsr-3227	204	15	review	review	NOUN
fsr-3227	204	16	board	board	NOUN
fsr-3227	204	17	.	.	PUNCT
fsr-3227	205	1	the	the	DET
fsr-3227	205	2	survey	survey	NOUN
fsr-3227	205	3	is	be	AUX
fsr-3227	205	4	offered	offer	VERB
fsr-3227	205	5	to	to	PART
fsr-3227	205	6	undergraduate	undergraduate	VERB
fsr-3227	205	7	students	student	NOUN
fsr-3227	205	8	across	across	ADP
fsr-3227	205	9	the	the	DET
fsr-3227	205	10	university	university	NOUN
fsr-3227	205	11	during	during	ADP
fsr-3227	205	12	spring	spring	NOUN
fsr-3227	205	13	2015	2015	NUM
fsr-3227	205	14	and	and	CCONJ
fsr-3227	205	15	is	be	AUX
fsr-3227	205	16	administered	administer	VERB
fsr-3227	205	17	in	in	ADP
fsr-3227	205	18	paper	paper	NOUN
fsr-3227	205	19	form	form	NOUN
fsr-3227	205	20	by	by	ADP
fsr-3227	205	21	the	the	DET
fsr-3227	205	22	authors	author	NOUN
fsr-3227	205	23	or	or	CCONJ
fsr-3227	205	24	other	other	ADJ
fsr-3227	205	25	faculty	faculty	NOUN
fsr-3227	205	26	members	member	NOUN
fsr-3227	205	27	on	on	ADP
fsr-3227	205	28	their	their	PRON
fsr-3227	205	29	behalf	behalf	NOUN
fsr-3227	205	30	to	to	PART
fsr-3227	205	31	achieve	achieve	VERB
fsr-3227	205	32	a	a	DET
fsr-3227	205	33	fair	fair	ADJ
fsr-3227	205	34	representation	representation	NOUN
fsr-3227	205	35	across	across	ADP
fsr-3227	205	36	majors	major	NOUN
fsr-3227	205	37	,	,	PUNCT
fsr-3227	205	38	year	year	NOUN
fsr-3227	205	39	in	in	ADP
fsr-3227	205	40	school	school	NOUN
fsr-3227	205	41	,	,	PUNCT
fsr-3227	205	42	and	and	CCONJ
fsr-3227	205	43	gender	gender	NOUN
fsr-3227	205	44	.	.	PUNCT
fsr-3227	206	1	the	the	DET
fsr-3227	206	2	survey	survey	NOUN
fsr-3227	206	3	does	do	AUX
fsr-3227	206	4	not	not	PART
fsr-3227	206	5	ask	ask	VERB
fsr-3227	206	6	for	for	ADP
fsr-3227	206	7	personally	personally	ADV
fsr-3227	206	8	identifying	identify	VERB
fsr-3227	206	9	information	information	NOUN
fsr-3227	206	10	such	such	ADJ
fsr-3227	206	11	as	as	ADP
fsr-3227	206	12	name	name	NOUN
fsr-3227	206	13	,	,	PUNCT
fsr-3227	206	14	address	address	NOUN
fsr-3227	206	15	,	,	PUNCT
fsr-3227	206	16	or	or	CCONJ
fsr-3227	206	17	student	student	NOUN
fsr-3227	206	18	identification	identification	NOUN
fsr-3227	206	19	number	number	NOUN
fsr-3227	206	20	.	.	PUNCT
fsr-3227	207	1	participants	participant	NOUN
fsr-3227	207	2	are	be	AUX
fsr-3227	207	3	asked	ask	VERB
fsr-3227	207	4	to	to	PART
fsr-3227	207	5	sign	sign	VERB
fsr-3227	207	6	and	and	CCONJ
fsr-3227	207	7	date	date	NOUN
fsr-3227	207	8	an	an	DET
fsr-3227	207	9	informed	informed	ADJ
fsr-3227	207	10	consent	consent	NOUN
fsr-3227	207	11	form	form	NOUN
fsr-3227	207	12	that	that	PRON
fsr-3227	207	13	describes	describe	VERB
fsr-3227	207	14	the	the	DET
fsr-3227	207	15	purpose	purpose	NOUN
fsr-3227	207	16	of	of	ADP
fsr-3227	207	17	the	the	DET
fsr-3227	207	18	research	research	NOUN
fsr-3227	207	19	,	,	PUNCT
fsr-3227	207	20	its	its	PRON
fsr-3227	207	21	benefits	benefit	NOUN
fsr-3227	207	22	and	and	CCONJ
fsr-3227	207	23	risks	risk	NOUN
fsr-3227	207	24	,	,	PUNCT
fsr-3227	207	25	and	and	CCONJ
fsr-3227	207	26	that	that	DET
fsr-3227	207	27	participation	participation	NOUN
fsr-3227	207	28	is	be	AUX
fsr-3227	207	29	voluntary	voluntary	ADJ
fsr-3227	207	30	.	.	PUNCT
fsr-3227	208	1	each	each	DET
fsr-3227	208	2	completed	complete	VERB
fsr-3227	208	3	survey	survey	NOUN
fsr-3227	208	4	is	be	AUX
fsr-3227	208	5	assigned	assign	VERB
fsr-3227	208	6	a	a	DET
fsr-3227	208	7	number	number	NOUN
fsr-3227	208	8	that	that	PRON
fsr-3227	208	9	is	be	AUX
fsr-3227	208	10	recorded	record	VERB
fsr-3227	208	11	on	on	ADP
fsr-3227	208	12	both	both	CCONJ
fsr-3227	208	13	the	the	DET
fsr-3227	208	14	informed	informed	ADJ
fsr-3227	208	15	consent	consent	NOUN
fsr-3227	208	16	form	form	NOUN
fsr-3227	208	17	and	and	CCONJ
fsr-3227	208	18	the	the	DET
fsr-3227	208	19	survey	survey	NOUN
fsr-3227	208	20	form	form	NOUN
fsr-3227	208	21	.	.	PUNCT
fsr-3227	209	1	the	the	DET
fsr-3227	209	2	anonymity	anonymity	NOUN
fsr-3227	209	3	of	of	ADP
fsr-3227	209	4	the	the	DET
fsr-3227	209	5	respondents	respondent	NOUN
fsr-3227	209	6	is	be	AUX
fsr-3227	209	7	maintained	maintain	VERB
fsr-3227	209	8	by	by	ADP
fsr-3227	209	9	separating	separate	VERB
fsr-3227	209	10	the	the	DET
fsr-3227	209	11	informed	informed	ADJ
fsr-3227	209	12	consent	consent	NOUN
fsr-3227	209	13	form	form	NOUN
fsr-3227	209	14	from	from	ADP
fsr-3227	209	15	the	the	DET
fsr-3227	209	16	completed	complete	VERB
fsr-3227	209	17	survey	survey	NOUN
fsr-3227	209	18	.	.	PUNCT
fsr-3227	210	1	survey	survey	NOUN
fsr-3227	210	2	responses	response	NOUN
fsr-3227	210	3	for	for	ADP
fsr-3227	210	4	each	each	DET
fsr-3227	210	5	student	student	NOUN
fsr-3227	210	6	are	be	AUX
fsr-3227	210	7	recorded	record	VERB
fsr-3227	210	8	using	use	VERB
fsr-3227	210	9	only	only	ADV
fsr-3227	210	10	the	the	DET
fsr-3227	210	11	assigned	assign	VERB
fsr-3227	210	12	number	number	NOUN
fsr-3227	210	13	as	as	ADP
fsr-3227	210	14	the	the	DET
fsr-3227	210	15	observation	observation	NOUN
fsr-3227	210	16	identifier	identifier	NOUN
fsr-3227	210	17	.	.	PUNCT
fsr-3227	211	1	4	4	X
fsr-3227	211	2	.	.	X
fsr-3227	211	3	sample	sample	NOUN
fsr-3227	211	4	description	description	NOUN
fsr-3227	211	5	in	in	ADP
fsr-3227	211	6	total	total	NOUN
fsr-3227	211	7	,	,	PUNCT
fsr-3227	211	8	546	546	NUM
fsr-3227	211	9	students	student	NOUN
fsr-3227	211	10	have	have	AUX
fsr-3227	211	11	completed	complete	VERB
fsr-3227	211	12	the	the	DET
fsr-3227	211	13	survey	survey	NOUN
fsr-3227	211	14	.	.	PUNCT
fsr-3227	212	1	three	three	NUM
fsr-3227	212	2	participants	participant	NOUN
fsr-3227	212	3	are	be	AUX
fsr-3227	212	4	dropped	drop	VERB
fsr-3227	212	5	from	from	ADP
fsr-3227	212	6	the	the	DET
fsr-3227	212	7	sample	sample	NOUN
fsr-3227	212	8	either	either	ADV
fsr-3227	212	9	because	because	SCONJ
fsr-3227	212	10	the	the	DET
fsr-3227	212	11	participant	participant	NOUN
fsr-3227	212	12	is	be	AUX
fsr-3227	212	13	under	under	ADP
fsr-3227	212	14	18	18	NUM
fsr-3227	212	15	years	year	NOUN
fsr-3227	212	16	old	old	ADJ
fsr-3227	212	17	or	or	CCONJ
fsr-3227	212	18	a	a	DET
fsr-3227	212	19	graduate	graduate	NOUN
fsr-3227	212	20	student	student	NOUN
fsr-3227	212	21	.	.	PUNCT
fsr-3227	213	1	another	another	DET
fsr-3227	213	2	47	47	NUM
fsr-3227	213	3	participants	participant	NOUN
fsr-3227	213	4	do	do	AUX
fsr-3227	213	5	not	not	PART
fsr-3227	213	6	fully	fully	ADV
fsr-3227	213	7	complete	complete	VERB
fsr-3227	213	8	the	the	DET
fsr-3227	213	9	survey	survey	NOUN
fsr-3227	213	10	and	and	CCONJ
fsr-3227	213	11	are	be	AUX
fsr-3227	213	12	dropped	drop	VERB
fsr-3227	213	13	from	from	ADP
fsr-3227	213	14	the	the	DET
fsr-3227	213	15	sample	sample	NOUN
fsr-3227	213	16	.	.	PUNCT
fsr-3227	214	1	the	the	DET
fsr-3227	214	2	final	final	ADJ
fsr-3227	214	3	sample	sample	NOUN
fsr-3227	214	4	contains	contain	VERB
fsr-3227	214	5	496	496	NUM
fsr-3227	214	6	observations	observation	NOUN
fsr-3227	214	7	and	and	CCONJ
fsr-3227	214	8	represents	represent	VERB
fsr-3227	214	9	around	around	ADV
fsr-3227	214	10	7	7	NUM
fsr-3227	214	11	%	%	NOUN
fsr-3227	214	12	of	of	ADP
fsr-3227	214	13	undergraduate	undergraduate	ADJ
fsr-3227	214	14	students	student	NOUN
fsr-3227	214	15	across	across	ADP
fsr-3227	214	16	359c	359c	PROPN
fsr-3227	214	17	.	.	PUNCT
fsr-3227	215	1	harrington	harrington	PROPN
fsr-3227	215	2	,	,	PUNCT
fsr-3227	215	3	w.	w.	PROPN
fsr-3227	215	4	smith	smith	PROPN
fsr-3227	215	5	/	/	SYM
fsr-3227	215	6	financial	financial	ADJ
fsr-3227	215	7	services	service	NOUN
fsr-3227	215	8	review	review	VERB
fsr-3227	215	9	25	25	NUM
fsr-3227	215	10	(	(	PUNCT
fsr-3227	215	11	2016	2016	NUM
fsr-3227	215	12	)	)	PUNCT
fsr-3227	216	1	351–372	351–372	NUM
fsr-3227	216	2	the	the	DET
fsr-3227	216	3	four	four	NUM
fsr-3227	216	4	colleges	college	NOUN
fsr-3227	216	5	of	of	ADP
fsr-3227	216	6	the	the	DET
fsr-3227	216	7	university	university	NOUN
fsr-3227	216	8	.	.	PUNCT
fsr-3227	217	1	although	although	SCONJ
fsr-3227	217	2	not	not	PART
fsr-3227	217	3	tabulated	tabulate	VERB
fsr-3227	217	4	,	,	PUNCT
fsr-3227	217	5	the	the	DET
fsr-3227	217	6	sample	sample	NOUN
fsr-3227	217	7	proportions	proportion	NOUN
fsr-3227	217	8	from	from	ADP
fsr-3227	217	9	each	each	DET
fsr-3227	217	10	college	college	NOUN
fsr-3227	217	11	are	be	AUX
fsr-3227	217	12	similar	similar	ADJ
fsr-3227	217	13	to	to	ADP
fsr-3227	217	14	the	the	DET
fsr-3227	217	15	percentage	percentage	NOUN
fsr-3227	217	16	of	of	ADP
fsr-3227	217	17	undergraduates	undergraduate	NOUN
fsr-3227	217	18	enrolled	enrol	VERB
fsr-3227	217	19	in	in	ADP
fsr-3227	217	20	each	each	DET
fsr-3227	217	21	college	college	NOUN
fsr-3227	217	22	.	.	PUNCT
fsr-3227	218	1	table	table	NOUN
fsr-3227	218	2	1	1	NUM
fsr-3227	218	3	displays	display	VERB
fsr-3227	218	4	the	the	DET
fsr-3227	218	5	mean	mean	ADJ
fsr-3227	218	6	interest	interest	NOUN
fsr-3227	218	7	in	in	ADP
fsr-3227	218	8	personal	personal	ADJ
fsr-3227	218	9	finance	finance	NOUN
fsr-3227	218	10	education	education	NOUN
fsr-3227	218	11	measured	measure	VERB
fsr-3227	218	12	on	on	ADP
fsr-3227	218	13	five	five	NUM
fsr-3227	218	14	dimensions	dimension	NOUN
fsr-3227	218	15	(	(	PUNCT
fsr-3227	218	16	learning	learn	VERB
fsr-3227	218	17	about	about	ADP
fsr-3227	218	18	budgeting	budgeting	NOUN
fsr-3227	218	19	,	,	PUNCT
fsr-3227	218	20	credit	credit	NOUN
fsr-3227	218	21	cards	card	NOUN
fsr-3227	218	22	,	,	PUNCT
fsr-3227	218	23	student	student	NOUN
fsr-3227	218	24	loans	loan	NOUN
fsr-3227	218	25	,	,	PUNCT
fsr-3227	218	26	other	other	ADJ
fsr-3227	218	27	topics	topic	NOUN
fsr-3227	218	28	,	,	PUNCT
fsr-3227	218	29	and	and	CCONJ
fsr-3227	218	30	all	all	DET
fsr-3227	218	31	topics	topic	NOUN
fsr-3227	218	32	)	)	PUNCT
fsr-3227	218	33	for	for	ADP
fsr-3227	218	34	each	each	DET
fsr-3227	218	35	sample	sample	NOUN
fsr-3227	218	36	attribute	attribute	NOUN
fsr-3227	218	37	(	(	PUNCT
fsr-3227	218	38	gender	gender	NOUN
fsr-3227	218	39	,	,	PUNCT
fsr-3227	218	40	income	income	NOUN
fsr-3227	218	41	,	,	PUNCT
fsr-3227	218	42	etc	etc	X
fsr-3227	218	43	.	.	X
fsr-3227	218	44	)	)	PUNCT
fsr-3227	218	45	.	.	PUNCT
fsr-3227	219	1	survey	survey	NOUN
fsr-3227	219	2	participants	participant	NOUN
fsr-3227	219	3	are	be	AUX
fsr-3227	219	4	56	56	NUM
fsr-3227	219	5	%	%	NOUN
fsr-3227	219	6	female	female	ADJ
fsr-3227	219	7	and	and	CCONJ
fsr-3227	220	1	44	44	NUM
fsr-3227	220	2	%	%	NOUN
fsr-3227	220	3	male	male	NOUN
fsr-3227	220	4	.	.	PUNCT
fsr-3227	221	1	on	on	ADP
fsr-3227	221	2	average	average	ADJ
fsr-3227	221	3	,	,	PUNCT
fsr-3227	221	4	female	female	ADJ
fsr-3227	221	5	students	student	NOUN
fsr-3227	221	6	have	have	VERB
fsr-3227	221	7	relatively	relatively	ADV
fsr-3227	221	8	more	more	ADJ
fsr-3227	221	9	interest	interest	NOUN
fsr-3227	221	10	in	in	ADP
fsr-3227	221	11	learning	learn	VERB
fsr-3227	221	12	about	about	ADP
fsr-3227	221	13	student	student	NOUN
fsr-3227	221	14	loans	loan	NOUN
fsr-3227	221	15	while	while	SCONJ
fsr-3227	221	16	in	in	ADP
fsr-3227	221	17	college	college	PROPN
fsr-3227	221	18	(	(	PUNCT
fsr-3227	221	19	t	t	PROPN
fsr-3227	221	20	statistic	statistic	NOUN
fsr-3227	221	21	is	be	AUX
fsr-3227	221	22	2.72	2.72	NUM
fsr-3227	221	23	)	)	PUNCT
fsr-3227	221	24	,	,	PUNCT
fsr-3227	221	25	but	but	CCONJ
fsr-3227	221	26	average	average	ADJ
fsr-3227	221	27	demand	demand	NOUN
fsr-3227	221	28	for	for	ADP
fsr-3227	221	29	learning	learn	VERB
fsr-3227	221	30	about	about	ADP
fsr-3227	221	31	budgeting	budgeting	NOUN
fsr-3227	221	32	,	,	PUNCT
fsr-3227	221	33	credit	credit	NOUN
fsr-3227	221	34	cards	card	NOUN
fsr-3227	221	35	,	,	PUNCT
fsr-3227	221	36	other	other	ADJ
fsr-3227	221	37	,	,	PUNCT
fsr-3227	221	38	and	and	CCONJ
fsr-3227	221	39	all	all	DET
fsr-3227	221	40	topics	topic	NOUN
fsr-3227	221	41	is	be	AUX
fsr-3227	221	42	not	not	PART
fsr-3227	221	43	statistically	statistically	ADV
fsr-3227	221	44	different	different	ADJ
fsr-3227	221	45	between	between	ADP
fsr-3227	221	46	female	female	ADJ
fsr-3227	221	47	and	and	CCONJ
fsr-3227	221	48	male	male	ADJ
fsr-3227	221	49	students	student	NOUN
fsr-3227	221	50	.	.	PUNCT
fsr-3227	222	1	mean	mean	VERB
fsr-3227	222	2	demand	demand	NOUN
fsr-3227	222	3	by	by	ADP
fsr-3227	222	4	income	income	NOUN
fsr-3227	222	5	range	range	NOUN
fsr-3227	222	6	is	be	AUX
fsr-3227	222	7	reported	report	VERB
fsr-3227	222	8	in	in	ADP
fsr-3227	222	9	panel	panel	NOUN
fsr-3227	222	10	a	a	PRON
fsr-3227	222	11	of	of	ADP
fsr-3227	222	12	table	table	NOUN
fsr-3227	222	13	1	1	NUM
fsr-3227	222	14	.	.	PUNCT
fsr-3227	223	1	because	because	SCONJ
fsr-3227	223	2	most	most	ADJ
fsr-3227	223	3	students	student	NOUN
fsr-3227	223	4	(	(	PUNCT
fsr-3227	223	5	80.6	80.6	NUM
fsr-3227	223	6	%	%	NOUN
fsr-3227	223	7	)	)	PUNCT
fsr-3227	223	8	report	report	NOUN
fsr-3227	223	9	income	income	NOUN
fsr-3227	223	10	of	of	ADP
fsr-3227	223	11	$	$	SYM
fsr-3227	223	12	10,000	10,000	NUM
fsr-3227	223	13	or	or	CCONJ
fsr-3227	223	14	less	less	ADJ
fsr-3227	223	15	,	,	PUNCT
fsr-3227	223	16	we	we	PRON
fsr-3227	223	17	redefine	redefine	VERB
fsr-3227	223	18	income	income	NOUN
fsr-3227	223	19	categories	category	NOUN
fsr-3227	223	20	as	as	ADP
fsr-3227	223	21	income	income	NOUN
fsr-3227	223	22	�	�	PROPN
fsr-3227	223	23	$	$	SYM
fsr-3227	223	24	10,000	10,000	NUM
fsr-3227	223	25	and	and	CCONJ
fsr-3227	223	26	income	income	NOUN
fsr-3227	223	27	�	�	PROPN
fsr-3227	223	28	$	$	SYM
fsr-3227	223	29	10,000	10,000	NUM
fsr-3227	223	30	.	.	PUNCT
fsr-3227	224	1	the	the	DET
fsr-3227	224	2	mean	mean	ADJ
fsr-3227	224	3	interest	interest	NOUN
fsr-3227	224	4	in	in	ADP
fsr-3227	224	5	personal	personal	ADJ
fsr-3227	224	6	finance	finance	NOUN
fsr-3227	224	7	topics	topic	NOUN
fsr-3227	224	8	is	be	AUX
fsr-3227	224	9	not	not	PART
fsr-3227	224	10	statistically	statistically	ADV
fsr-3227	224	11	different	different	ADJ
fsr-3227	224	12	between	between	ADP
fsr-3227	224	13	the	the	DET
fsr-3227	224	14	two	two	NUM
fsr-3227	224	15	income	income	NOUN
fsr-3227	224	16	groups	group	NOUN
fsr-3227	224	17	.	.	PUNCT
fsr-3227	225	1	regarding	regard	VERB
fsr-3227	225	2	employment	employment	NOUN
fsr-3227	225	3	status	status	NOUN
fsr-3227	225	4	,	,	PUNCT
fsr-3227	225	5	47.2	47.2	NUM
fsr-3227	225	6	%	%	NOUN
fsr-3227	225	7	of	of	ADP
fsr-3227	225	8	students	student	NOUN
fsr-3227	225	9	report	report	VERB
fsr-3227	225	10	working	work	VERB
fsr-3227	225	11	part	part	NOUN
fsr-3227	225	12	time	time	NOUN
fsr-3227	225	13	,	,	PUNCT
fsr-3227	225	14	2.8	2.8	NUM
fsr-3227	225	15	%	%	NOUN
fsr-3227	225	16	work	work	NOUN
fsr-3227	225	17	full	full	ADJ
fsr-3227	225	18	time	time	NOUN
fsr-3227	225	19	,	,	PUNCT
fsr-3227	225	20	and	and	CCONJ
fsr-3227	225	21	50	50	NUM
fsr-3227	225	22	%	%	NOUN
fsr-3227	225	23	are	be	AUX
fsr-3227	225	24	not	not	PART
fsr-3227	225	25	working	work	VERB
fsr-3227	225	26	.	.	PUNCT
fsr-3227	226	1	students	student	NOUN
fsr-3227	226	2	who	who	PRON
fsr-3227	226	3	work	work	VERB
fsr-3227	226	4	part	part	ADJ
fsr-3227	226	5	-	-	PUNCT
fsr-3227	226	6	time	time	NOUN
fsr-3227	226	7	are	be	AUX
fsr-3227	226	8	significantly	significantly	ADV
fsr-3227	226	9	more	more	ADV
fsr-3227	226	10	interested	interested	ADJ
fsr-3227	226	11	in	in	ADP
fsr-3227	226	12	learning	learn	VERB
fsr-3227	226	13	about	about	ADP
fsr-3227	226	14	student	student	NOUN
fsr-3227	226	15	loans	loan	NOUN
fsr-3227	226	16	compared	compare	VERB
fsr-3227	226	17	to	to	ADP
fsr-3227	226	18	students	student	NOUN
fsr-3227	226	19	who	who	PRON
fsr-3227	226	20	are	be	AUX
fsr-3227	226	21	not	not	PART
fsr-3227	226	22	working	work	VERB
fsr-3227	226	23	(	(	PUNCT
fsr-3227	226	24	t	t	NOUN
fsr-3227	226	25	statistic	statistic	NOUN
fsr-3227	226	26	is	be	AUX
fsr-3227	226	27	5.46	5.46	NUM
fsr-3227	226	28	)	)	PUNCT
fsr-3227	226	29	.	.	PUNCT
fsr-3227	227	1	all	all	DET
fsr-3227	227	2	other	other	ADJ
fsr-3227	227	3	differences	difference	NOUN
fsr-3227	227	4	in	in	ADP
fsr-3227	227	5	means	mean	NOUN
fsr-3227	227	6	are	be	AUX
fsr-3227	227	7	not	not	PART
fsr-3227	227	8	significant	significant	ADJ
fsr-3227	227	9	.	.	PUNCT
fsr-3227	228	1	the	the	DET
fsr-3227	228	2	final	final	ADJ
fsr-3227	228	3	income	income	NOUN
fsr-3227	228	4	measure	measure	NOUN
fsr-3227	228	5	is	be	AUX
fsr-3227	228	6	level	level	NOUN
fsr-3227	228	7	in	in	ADP
fsr-3227	228	8	college	college	NOUN
fsr-3227	228	9	.	.	PUNCT
fsr-3227	229	1	the	the	DET
fsr-3227	229	2	sample	sample	NOUN
fsr-3227	229	3	consists	consist	VERB
fsr-3227	229	4	of	of	ADP
fsr-3227	229	5	25.4	25.4	NUM
fsr-3227	229	6	%	%	NOUN
fsr-3227	229	7	freshmen	freshman	NOUN
fsr-3227	229	8	,	,	PUNCT
fsr-3227	229	9	24	24	NUM
fsr-3227	229	10	%	%	NOUN
fsr-3227	229	11	sophomores	sophomore	NOUN
fsr-3227	229	12	,	,	PUNCT
fsr-3227	229	13	30	30	NUM
fsr-3227	229	14	%	%	NOUN
fsr-3227	229	15	juniors	junior	NOUN
fsr-3227	229	16	,	,	PUNCT
fsr-3227	229	17	and	and	CCONJ
fsr-3227	229	18	20.6	20.6	NUM
fsr-3227	229	19	%	%	NOUN
fsr-3227	229	20	seniors	senior	NOUN
fsr-3227	229	21	.	.	PUNCT
fsr-3227	230	1	no	no	DET
fsr-3227	230	2	college	college	NOUN
fsr-3227	230	3	level	level	NOUN
fsr-3227	230	4	is	be	AUX
fsr-3227	230	5	statistically	statistically	ADV
fsr-3227	230	6	more	more	ADV
fsr-3227	230	7	interested	interested	ADJ
fsr-3227	230	8	in	in	ADP
fsr-3227	230	9	learning	learn	VERB
fsr-3227	230	10	about	about	ADP
fsr-3227	230	11	personal	personal	ADJ
fsr-3227	230	12	finance	finance	NOUN
fsr-3227	230	13	.	.	PUNCT
fsr-3227	231	1	the	the	DET
fsr-3227	231	2	survey	survey	NOUN
fsr-3227	231	3	response	response	NOUN
fsr-3227	231	4	for	for	ADP
fsr-3227	231	5	patience	patience	NOUN
fsr-3227	231	6	in	in	ADP
fsr-3227	231	7	consumption	consumption	NOUN
fsr-3227	231	8	is	be	AUX
fsr-3227	231	9	open	open	ADJ
fsr-3227	231	10	ended	end	VERB
fsr-3227	231	11	and	and	CCONJ
fsr-3227	231	12	therefore	therefore	ADV
fsr-3227	231	13	continuous	continuous	ADJ
fsr-3227	231	14	.	.	PUNCT
fsr-3227	232	1	responses	response	NOUN
fsr-3227	232	2	for	for	ADP
fsr-3227	232	3	the	the	DET
fsr-3227	232	4	least	least	ADJ
fsr-3227	232	5	amount	amount	NOUN
fsr-3227	232	6	of	of	ADP
fsr-3227	232	7	money	money	NOUN
fsr-3227	232	8	students	student	NOUN
fsr-3227	232	9	would	would	AUX
fsr-3227	232	10	accept	accept	VERB
fsr-3227	232	11	to	to	PART
fsr-3227	232	12	wait	wait	VERB
fsr-3227	232	13	one	one	NUM
fsr-3227	232	14	year	year	NOUN
fsr-3227	232	15	to	to	PART
fsr-3227	232	16	receive	receive	VERB
fsr-3227	232	17	$	$	SYM
fsr-3227	232	18	100	100	NUM
fsr-3227	232	19	range	range	NOUN
fsr-3227	232	20	from	from	ADP
fsr-3227	232	21	$	$	SYM
fsr-3227	232	22	0	0	NUM
fsr-3227	232	23	to	to	ADP
fsr-3227	232	24	$	$	SYM
fsr-3227	232	25	1,000,000	1,000,000	NUM
fsr-3227	232	26	.	.	PUNCT
fsr-3227	233	1	implied	imply	VERB
fsr-3227	233	2	discount	discount	NOUN
fsr-3227	233	3	rates	rate	NOUN
fsr-3227	233	4	range	range	VERB
fsr-3227	233	5	from	from	ADP
fsr-3227	233	6	�	�	PROPN
fsr-3227	233	7	100	100	NUM
fsr-3227	233	8	%	%	NOUN
fsr-3227	233	9	to	to	ADP
fsr-3227	233	10	999,900	999,900	NUM
fsr-3227	233	11	%	%	NOUN
fsr-3227	233	12	with	with	ADP
fsr-3227	233	13	a	a	DET
fsr-3227	233	14	mean	mean	NOUN
fsr-3227	233	15	of	of	ADP
fsr-3227	233	16	13,891	13,891	NUM
fsr-3227	233	17	%	%	NOUN
fsr-3227	233	18	and	and	CCONJ
fsr-3227	233	19	median	median	NOUN
fsr-3227	233	20	of	of	ADP
fsr-3227	233	21	400	400	NUM
fsr-3227	233	22	%	%	NOUN
fsr-3227	233	23	.	.	PUNCT
fsr-3227	234	1	these	these	DET
fsr-3227	234	2	results	result	NOUN
fsr-3227	234	3	are	be	AUX
fsr-3227	234	4	similar	similar	ADJ
fsr-3227	234	5	to	to	ADP
fsr-3227	234	6	agarwal	agarwal	PROPN
fsr-3227	234	7	and	and	CCONJ
fsr-3227	234	8	mazumder	mazumder	NOUN
fsr-3227	234	9	(	(	PUNCT
fsr-3227	234	10	2013	2013	NUM
fsr-3227	234	11	,	,	PUNCT
fsr-3227	234	12	online	online	ADJ
fsr-3227	234	13	appendix	appendix	NOUN
fsr-3227	234	14	)	)	PUNCT
fsr-3227	234	15	who	who	PRON
fsr-3227	234	16	also	also	ADV
fsr-3227	234	17	find	find	VERB
fsr-3227	234	18	high	high	ADJ
fsr-3227	234	19	discount	discount	NOUN
fsr-3227	234	20	rates	rate	NOUN
fsr-3227	234	21	.	.	PUNCT
fsr-3227	235	1	we	we	PRON
fsr-3227	235	2	dichotomize	dichotomize	VERB
fsr-3227	235	3	the	the	DET
fsr-3227	235	4	results	result	NOUN
fsr-3227	235	5	as	as	ADP
fsr-3227	235	6	0–1	0–1	NUM
fsr-3227	235	7	by	by	ADP
fsr-3227	235	8	classifying	classify	VERB
fsr-3227	235	9	responses	response	NOUN
fsr-3227	235	10	as	as	ADP
fsr-3227	235	11	“	"	PUNCT
fsr-3227	235	12	more	more	ADJ
fsr-3227	235	13	patience	patience	NOUN
fsr-3227	235	14	”	"	PUNCT
fsr-3227	235	15	(	(	PUNCT
fsr-3227	235	16	�	�	NOUN
fsr-3227	235	17	1	1	NUM
fsr-3227	235	18	)	)	PUNCT
fsr-3227	235	19	if	if	SCONJ
fsr-3227	235	20	the	the	DET
fsr-3227	235	21	discount	discount	NOUN
fsr-3227	235	22	rate	rate	NOUN
fsr-3227	235	23	is	be	AUX
fsr-3227	235	24	below	below	ADP
fsr-3227	235	25	the	the	DET
fsr-3227	235	26	median	median	NOUN
fsr-3227	235	27	and	and	CCONJ
fsr-3227	235	28	“	"	PUNCT
fsr-3227	235	29	less	less	ADJ
fsr-3227	235	30	patience	patience	NOUN
fsr-3227	235	31	”	"	PUNCT
fsr-3227	235	32	otherwise	otherwise	ADV
fsr-3227	235	33	.	.	PUNCT
fsr-3227	236	1	mean	mean	VERB
fsr-3227	236	2	interest	interest	NOUN
fsr-3227	236	3	in	in	ADP
fsr-3227	236	4	personal	personal	ADJ
fsr-3227	236	5	finance	finance	NOUN
fsr-3227	236	6	education	education	NOUN
fsr-3227	236	7	by	by	ADP
fsr-3227	236	8	patience	patience	NOUN
fsr-3227	236	9	in	in	ADP
fsr-3227	236	10	consumption	consumption	NOUN
fsr-3227	236	11	is	be	AUX
fsr-3227	236	12	displayed	display	VERB
fsr-3227	236	13	in	in	ADP
fsr-3227	236	14	panel	panel	NOUN
fsr-3227	236	15	a	a	PRON
fsr-3227	236	16	of	of	ADP
fsr-3227	236	17	table	table	NOUN
fsr-3227	236	18	1	1	NUM
fsr-3227	236	19	.	.	PUNCT
fsr-3227	237	1	patience	patience	NOUN
fsr-3227	237	2	in	in	ADP
fsr-3227	237	3	consumption	consumption	NOUN
fsr-3227	237	4	does	do	AUX
fsr-3227	237	5	not	not	PART
fsr-3227	237	6	matter	matter	VERB
fsr-3227	237	7	to	to	PART
fsr-3227	237	8	interest	interest	NOUN
fsr-3227	237	9	in	in	ADP
fsr-3227	237	10	personal	personal	ADJ
fsr-3227	237	11	finance	finance	NOUN
fsr-3227	237	12	education	education	NOUN
fsr-3227	237	13	with	with	ADP
fsr-3227	237	14	the	the	DET
fsr-3227	237	15	exception	exception	NOUN
fsr-3227	237	16	of	of	ADP
fsr-3227	237	17	learning	learn	VERB
fsr-3227	237	18	about	about	ADP
fsr-3227	237	19	topics	topic	NOUN
fsr-3227	237	20	in	in	ADP
fsr-3227	237	21	the	the	DET
fsr-3227	237	22	other	other	ADJ
fsr-3227	237	23	category	category	NOUN
fsr-3227	237	24	.	.	PUNCT
fsr-3227	238	1	students	student	NOUN
fsr-3227	238	2	classified	classify	VERB
fsr-3227	238	3	as	as	ADP
fsr-3227	238	4	more	more	ADJ
fsr-3227	238	5	patient	patient	ADJ
fsr-3227	238	6	are	be	AUX
fsr-3227	238	7	significantly	significantly	ADV
fsr-3227	238	8	more	more	ADV
fsr-3227	238	9	interested	interested	ADJ
fsr-3227	238	10	in	in	ADP
fsr-3227	238	11	learning	learn	VERB
fsr-3227	238	12	about	about	ADP
fsr-3227	238	13	leasing	lease	VERB
fsr-3227	238	14	v.	v.	ADP
fsr-3227	238	15	buying	buying	NOUN
fsr-3227	238	16	,	,	PUNCT
fsr-3227	238	17	and	and	CCONJ
fsr-3227	238	18	so	so	ADV
fsr-3227	238	19	forth	forth	ADV
fsr-3227	238	20	(	(	PUNCT
fsr-3227	238	21	t	t	NOUN
fsr-3227	238	22	statistic	statistic	NOUN
fsr-3227	238	23	is	be	AUX
fsr-3227	238	24	2.90	2.90	NUM
fsr-3227	238	25	)	)	PUNCT
fsr-3227	238	26	.	.	PUNCT
fsr-3227	239	1	the	the	DET
fsr-3227	239	2	time	time	NOUN
fsr-3227	239	3	and	and	CCONJ
fsr-3227	239	4	effort	effort	NOUN
fsr-3227	239	5	cost	cost	NOUN
fsr-3227	239	6	survey	survey	NOUN
fsr-3227	239	7	question	question	NOUN
fsr-3227	239	8	contains	contain	VERB
fsr-3227	239	9	seven	seven	NUM
fsr-3227	239	10	possible	possible	ADJ
fsr-3227	239	11	responses	response	NOUN
fsr-3227	239	12	for	for	ADP
fsr-3227	239	13	the	the	DET
fsr-3227	239	14	hours	hour	NOUN
fsr-3227	239	15	per	per	ADP
fsr-3227	239	16	week	week	NOUN
fsr-3227	239	17	that	that	SCONJ
fsr-3227	239	18	students	student	NOUN
fsr-3227	239	19	are	be	AUX
fsr-3227	239	20	willing	willing	ADJ
fsr-3227	239	21	spend	spend	NOUN
fsr-3227	239	22	learning	learn	VERB
fsr-3227	239	23	about	about	ADP
fsr-3227	239	24	personal	personal	ADJ
fsr-3227	239	25	finance	finance	NOUN
fsr-3227	239	26	topics	topic	NOUN
fsr-3227	239	27	.	.	PUNCT
fsr-3227	240	1	in	in	ADP
fsr-3227	240	2	panel	panel	NOUN
fsr-3227	240	3	a	a	PRON
fsr-3227	240	4	of	of	ADP
fsr-3227	240	5	table	table	NOUN
fsr-3227	240	6	1	1	NUM
fsr-3227	240	7	,	,	PUNCT
fsr-3227	240	8	responses	response	NOUN
fsr-3227	240	9	are	be	AUX
fsr-3227	240	10	grouped	group	VERB
fsr-3227	240	11	into	into	ADP
fsr-3227	240	12	0–1	0–1	NUM
fsr-3227	240	13	hour	hour	NOUN
fsr-3227	240	14	,	,	PUNCT
fsr-3227	240	15	2–3	2–3	NUM
fsr-3227	240	16	hour	hour	NOUN
fsr-3227	240	17	,	,	PUNCT
fsr-3227	240	18	and	and	CCONJ
fsr-3227	240	19	4–5	4–5	PROPN
fsr-3227	240	20	�	�	PROPN
fsr-3227	240	21	hours	hour	NOUN
fsr-3227	240	22	.	.	PUNCT
fsr-3227	241	1	students	student	NOUN
fsr-3227	241	2	willing	willing	ADJ
fsr-3227	241	3	to	to	PART
fsr-3227	241	4	spend	spend	VERB
fsr-3227	241	5	the	the	DET
fsr-3227	241	6	most	most	ADJ
fsr-3227	241	7	time	time	NOUN
fsr-3227	241	8	have	have	VERB
fsr-3227	241	9	the	the	DET
fsr-3227	241	10	highest	high	ADJ
fsr-3227	241	11	interest	interest	NOUN
fsr-3227	241	12	in	in	ADP
fsr-3227	241	13	learning	learn	VERB
fsr-3227	241	14	about	about	ADP
fsr-3227	241	15	all	all	DET
fsr-3227	241	16	personal	personal	ADJ
fsr-3227	241	17	finance	finance	NOUN
fsr-3227	241	18	topics	topic	NOUN
fsr-3227	241	19	except	except	SCONJ
fsr-3227	241	20	for	for	ADP
fsr-3227	241	21	student	student	NOUN
fsr-3227	241	22	loans	loan	NOUN
fsr-3227	241	23	.	.	PUNCT
fsr-3227	242	1	these	these	DET
fsr-3227	242	2	results	result	NOUN
fsr-3227	242	3	are	be	AUX
fsr-3227	242	4	supported	support	VERB
fsr-3227	242	5	by	by	ADP
fsr-3227	242	6	t	t	NOUN
fsr-3227	242	7	tests	test	NOUN
fsr-3227	242	8	between	between	ADP
fsr-3227	242	9	the	the	DET
fsr-3227	242	10	0–1	0–1	PROPN
fsr-3227	242	11	and	and	CCONJ
fsr-3227	242	12	4–5	4–5	PROPN
fsr-3227	242	13	�	�	PROPN
fsr-3227	242	14	hours	hour	NOUN
fsr-3227	242	15	groups	group	NOUN
fsr-3227	242	16	.	.	PUNCT
fsr-3227	243	1	the	the	DET
fsr-3227	243	2	initial	initial	ADJ
fsr-3227	243	3	stock	stock	NOUN
fsr-3227	243	4	of	of	ADP
fsr-3227	243	5	financial	financial	ADJ
fsr-3227	243	6	literacy	literacy	NOUN
fsr-3227	243	7	is	be	AUX
fsr-3227	243	8	approximated	approximate	VERB
fsr-3227	243	9	by	by	ADP
fsr-3227	243	10	the	the	DET
fsr-3227	243	11	student	student	NOUN
fsr-3227	243	12	having	have	VERB
fsr-3227	243	13	nonstudent	nonstudent	NOUN
fsr-3227	243	14	loan	loan	NOUN
fsr-3227	243	15	debt	debt	NOUN
fsr-3227	243	16	and	and	CCONJ
fsr-3227	243	17	alternatively	alternatively	ADV
fsr-3227	243	18	as	as	ADP
fsr-3227	243	19	having	have	VERB
fsr-3227	243	20	prior	prior	ADJ
fsr-3227	243	21	financial	financial	ADJ
fsr-3227	243	22	education	education	NOUN
fsr-3227	243	23	.	.	PUNCT
fsr-3227	244	1	in	in	ADP
fsr-3227	244	2	panel	panel	NOUN
fsr-3227	244	3	a	a	PRON
fsr-3227	244	4	of	of	ADP
fsr-3227	244	5	table	table	NOUN
fsr-3227	244	6	1	1	NUM
fsr-3227	244	7	,	,	PUNCT
fsr-3227	244	8	24	24	NUM
fsr-3227	244	9	%	%	NOUN
fsr-3227	244	10	of	of	ADP
fsr-3227	244	11	students	student	NOUN
fsr-3227	244	12	have	have	VERB
fsr-3227	244	13	nonstudent	nonstudent	NOUN
fsr-3227	244	14	loan	loan	NOUN
fsr-3227	244	15	debt	debt	NOUN
fsr-3227	244	16	.	.	PUNCT
fsr-3227	245	1	on	on	ADP
fsr-3227	245	2	average	average	ADJ
fsr-3227	245	3	,	,	PUNCT
fsr-3227	245	4	these	these	DET
fsr-3227	245	5	students	student	NOUN
fsr-3227	245	6	are	be	AUX
fsr-3227	245	7	significantly	significantly	ADV
fsr-3227	245	8	more	more	ADV
fsr-3227	245	9	interested	interested	ADJ
fsr-3227	245	10	in	in	ADP
fsr-3227	245	11	learning	learn	VERB
fsr-3227	245	12	about	about	ADP
fsr-3227	245	13	all	all	DET
fsr-3227	245	14	personal	personal	ADJ
fsr-3227	245	15	finance	finance	NOUN
fsr-3227	245	16	topics	topic	NOUN
fsr-3227	245	17	but	but	CCONJ
fsr-3227	245	18	with	with	ADP
fsr-3227	245	19	no	no	DET
fsr-3227	245	20	statistical	statistical	ADJ
fsr-3227	245	21	difference	difference	NOUN
fsr-3227	245	22	for	for	ADP
fsr-3227	245	23	learning	learn	VERB
fsr-3227	245	24	about	about	ADP
fsr-3227	245	25	specific	specific	ADJ
fsr-3227	245	26	topics	topic	NOUN
fsr-3227	245	27	.	.	PUNCT
fsr-3227	246	1	only	only	ADV
fsr-3227	246	2	27.8	27.8	NUM
fsr-3227	246	3	%	%	NOUN
fsr-3227	246	4	of	of	ADP
fsr-3227	246	5	sampled	sample	VERB
fsr-3227	246	6	students	student	NOUN
fsr-3227	246	7	report	report	VERB
fsr-3227	246	8	having	have	VERB
fsr-3227	246	9	prior	prior	ADJ
fsr-3227	246	10	financial	financial	ADJ
fsr-3227	246	11	education	education	NOUN
fsr-3227	246	12	,	,	PUNCT
fsr-3227	246	13	but	but	CCONJ
fsr-3227	246	14	this	this	DET
fsr-3227	246	15	exposure	exposure	NOUN
fsr-3227	246	16	does	do	AUX
fsr-3227	246	17	not	not	PART
fsr-3227	246	18	result	result	VERB
fsr-3227	246	19	in	in	ADP
fsr-3227	246	20	a	a	DET
fsr-3227	246	21	statistically	statistically	ADV
fsr-3227	246	22	different	different	ADJ
fsr-3227	246	23	interest	interest	NOUN
fsr-3227	246	24	in	in	ADP
fsr-3227	246	25	learning	learn	VERB
fsr-3227	246	26	about	about	ADP
fsr-3227	246	27	personal	personal	ADJ
fsr-3227	246	28	finance	finance	NOUN
fsr-3227	246	29	.	.	PUNCT
fsr-3227	247	1	360	360	NUM
fsr-3227	247	2	c.	c.	PROPN
fsr-3227	247	3	harrington	harrington	PROPN
fsr-3227	247	4	,	,	PUNCT
fsr-3227	247	5	w.	w.	PROPN
fsr-3227	247	6	smith	smith	PROPN
fsr-3227	247	7	/	/	SYM
fsr-3227	247	8	financial	financial	ADJ
fsr-3227	247	9	services	service	NOUN
fsr-3227	247	10	review	review	VERB
fsr-3227	247	11	25	25	NUM
fsr-3227	247	12	(	(	PUNCT
fsr-3227	247	13	2016	2016	NUM
fsr-3227	247	14	)	)	PUNCT
fsr-3227	248	1	351–372	351–372	NUM
fsr-3227	248	2	table	table	NOUN
fsr-3227	248	3	1	1	NUM
fsr-3227	248	4	mean	mean	NOUN
fsr-3227	248	5	demand	demand	NOUN
fsr-3227	248	6	for	for	ADP
fsr-3227	248	7	personal	personal	ADJ
fsr-3227	248	8	finance	finance	NOUN
fsr-3227	248	9	education	education	NOUN
fsr-3227	248	10	while	while	SCONJ
fsr-3227	248	11	in	in	ADP
fsr-3227	248	12	college	college	NOUN
fsr-3227	248	13	by	by	ADP
fsr-3227	248	14	student	student	NOUN
fsr-3227	248	15	attribute	attribute	NOUN
fsr-3227	248	16	panel	panel	NOUN
fsr-3227	248	17	a	a	PRON
fsr-3227	248	18	n	n	PRON
fsr-3227	248	19	�	�	PROPN
fsr-3227	248	20	496	496	NUM
fsr-3227	248	21	n	n	CCONJ
fsr-3227	248	22	/	/	SYM
fsr-3227	248	23	n%	n%	PROPN
fsr-3227	248	24	dbudget	dbudget	PROPN
fsr-3227	248	25	dcard	dcard	NOUN
fsr-3227	248	26	dsloan	dsloan	PROPN
fsr-3227	248	27	dother	dother	ADJ
fsr-3227	248	28	dall	dall	ADJ
fsr-3227	248	29	female	female	NOUN
fsr-3227	248	30	56.0	56.0	NUM
fsr-3227	248	31	%	%	NOUN
fsr-3227	248	32	5.69	5.69	NUM
fsr-3227	248	33	5.25	5.25	NUM
fsr-3227	248	34	4.97	4.97	NUM
fsr-3227	248	35	5.67	5.67	NUM
fsr-3227	248	36	5.72	5.72	NUM
fsr-3227	248	37	male	male	NOUN
fsr-3227	248	38	44.0	44.0	NUM
fsr-3227	248	39	%	%	NOUN
fsr-3227	248	40	5.61	5.61	NUM
fsr-3227	248	41	5.00	5.00	NUM
fsr-3227	248	42	4.52	4.52	NUM
fsr-3227	248	43	5.83	5.83	NUM
fsr-3227	248	44	5.68	5.68	NUM
fsr-3227	248	45	t	t	NOUN
fsr-3227	248	46	test	test	NOUN
fsr-3227	248	47	(	(	PUNCT
fsr-3227	248	48	female	female	NOUN
fsr-3227	248	49	-	-	PUNCT
fsr-3227	248	50	male	male	NOUN
fsr-3227	248	51	)	)	PUNCT
fsr-3227	248	52	0.68	0.68	NUM
fsr-3227	248	53	1.95	1.95	NUM
fsr-3227	248	54	2.72	2.72	NUM
fsr-3227	248	55	�	�	PROPN
fsr-3227	248	56	1.32	1.32	NUM
fsr-3227	248	57	0.28	0.28	NUM
fsr-3227	248	58	income	income	NOUN
fsr-3227	248	59	�	�	NOUN
fsr-3227	248	60	$	$	SYM
fsr-3227	248	61	10,000	10,000	NUM
fsr-3227	248	62	19.4	19.4	NUM
fsr-3227	248	63	%	%	NOUN
fsr-3227	249	1	5.73	5.73	NUM
fsr-3227	249	2	5.21	5.21	NUM
fsr-3227	249	3	4.67	4.67	NUM
fsr-3227	249	4	5.78	5.78	NUM
fsr-3227	249	5	5.82	5.82	NUM
fsr-3227	249	6	income	income	NOUN
fsr-3227	249	7	�	�	NOUN
fsr-3227	249	8	$	$	SYM
fsr-3227	249	9	10,000	10,000	NUM
fsr-3227	249	10	80.6	80.6	NUM
fsr-3227	249	11	%	%	NOUN
fsr-3227	249	12	5.64	5.64	NUM
fsr-3227	249	13	5.13	5.13	NUM
fsr-3227	249	14	4.80	4.80	NUM
fsr-3227	249	15	5.73	5.73	NUM
fsr-3227	249	16	5.67	5.67	NUM
fsr-3227	249	17	t	t	PROPN
fsr-3227	249	18	test	test	NOUN
fsr-3227	249	19	(	(	PUNCT
fsr-3227	249	20	higher	high	ADJ
fsr-3227	249	21	-	-	PUNCT
fsr-3227	249	22	lower	low	ADJ
fsr-3227	249	23	)	)	PUNCT
fsr-3227	249	24	0.59	0.59	NUM
fsr-3227	249	25	0.48	0.48	NUM
fsr-3227	249	26	�	�	PROPN
fsr-3227	249	27	0.64	0.64	NUM
fsr-3227	249	28	0.33	0.33	NUM
fsr-3227	249	29	0.95	0.95	NUM
fsr-3227	249	30	work	work	NOUN
fsr-3227	249	31	part	part	NOUN
fsr-3227	249	32	-	-	PUNCT
fsr-3227	249	33	time	time	NOUN
fsr-3227	249	34	47.2	47.2	NUM
fsr-3227	249	35	%	%	NOUN
fsr-3227	249	36	5.71	5.71	NUM
fsr-3227	249	37	5.23	5.23	NUM
fsr-3227	249	38	5.24	5.24	NUM
fsr-3227	249	39	5.85	5.85	NUM
fsr-3227	249	40	5.79	5.79	NUM
fsr-3227	249	41	work	work	NOUN
fsr-3227	249	42	full	full	ADJ
fsr-3227	249	43	time	time	NOUN
fsr-3227	249	44	2.8	2.8	NUM
fsr-3227	249	45	%	%	NOUN
fsr-3227	249	46	5.71	5.71	NUM
fsr-3227	249	47	5.57	5.57	NUM
fsr-3227	249	48	4.71	4.71	NUM
fsr-3227	249	49	5.86	5.86	NUM
fsr-3227	249	50	6.07	6.07	NUM
fsr-3227	249	51	not	not	PART
fsr-3227	249	52	working	work	VERB
fsr-3227	249	53	50.0	50.0	NUM
fsr-3227	249	54	%	%	NOUN
fsr-3227	249	55	5.61	5.61	NUM
fsr-3227	249	56	5.04	5.04	NUM
fsr-3227	249	57	4.35	4.35	NUM
fsr-3227	249	58	5.63	5.63	NUM
fsr-3227	249	59	5.60	5.60	NUM
fsr-3227	249	60	t	t	NOUN
fsr-3227	249	61	test	test	NOUN
fsr-3227	249	62	(	(	PUNCT
fsr-3227	249	63	part	part	NOUN
fsr-3227	249	64	time	time	NOUN
fsr-3227	249	65	-	-	PUNCT
fsr-3227	249	66	not	not	PART
fsr-3227	249	67	)	)	PUNCT
fsr-3227	249	68	0.86	0.86	NUM
fsr-3227	249	69	1.53	1.53	NUM
fsr-3227	249	70	5.46	5.46	NUM
fsr-3227	249	71	1.79	1.79	NUM
fsr-3227	249	72	1.67	1.67	NUM
fsr-3227	249	73	freshman	freshman	NOUN
fsr-3227	249	74	25.4	25.4	NUM
fsr-3227	249	75	%	%	NOUN
fsr-3227	249	76	5.65	5.65	NUM
fsr-3227	249	77	5.02	5.02	NUM
fsr-3227	249	78	4.63	4.63	NUM
fsr-3227	249	79	5.63	5.63	NUM
fsr-3227	249	80	5.61	5.61	NUM
fsr-3227	249	81	sophomore	sophomore	NOUN
fsr-3227	249	82	24.0	24.0	NUM
fsr-3227	249	83	%	%	NOUN
fsr-3227	249	84	5.55	5.55	NUM
fsr-3227	249	85	4.95	4.95	NUM
fsr-3227	249	86	4.92	4.92	NUM
fsr-3227	249	87	5.66	5.66	NUM
fsr-3227	249	88	5.64	5.64	NUM
fsr-3227	249	89	junior	junior	ADJ
fsr-3227	249	90	30.0	30.0	NUM
fsr-3227	249	91	%	%	NOUN
fsr-3227	249	92	5.70	5.70	NUM
fsr-3227	249	93	5.26	5.26	NUM
fsr-3227	249	94	4.73	4.73	NUM
fsr-3227	249	95	5.85	5.85	NUM
fsr-3227	249	96	5.70	5.70	NUM
fsr-3227	249	97	senior	senior	ADJ
fsr-3227	249	98	20.6	20.6	NUM
fsr-3227	249	99	%	%	NOUN
fsr-3227	249	100	5.74	5.74	NUM
fsr-3227	249	101	5.34	5.34	NUM
fsr-3227	249	102	4.85	4.85	NUM
fsr-3227	249	103	5.80	5.80	NUM
fsr-3227	249	104	5.89	5.89	NUM
fsr-3227	249	105	t	t	NOUN
fsr-3227	249	106	test	test	NOUN
fsr-3227	249	107	(	(	PUNCT
fsr-3227	249	108	freshman	freshman	NOUN
fsr-3227	249	109	-	-	PUNCT
fsr-3227	249	110	senior	senior	ADJ
fsr-3227	249	111	)	)	PUNCT
fsr-3227	249	112	�	�	PROPN
fsr-3227	249	113	0.53	0.53	NUM
fsr-3227	249	114	�	�	PROPN
fsr-3227	249	115	1.77	1.77	NUM
fsr-3227	249	116	�	�	PROPN
fsr-3227	249	117	0.94	0.94	NUM
fsr-3227	249	118	�	�	PROPN
fsr-3227	249	119	1.03	1.03	NUM
fsr-3227	249	120	�	�	NOUN
fsr-3227	249	121	1.72	1.72	NUM
fsr-3227	249	122	more	more	ADJ
fsr-3227	249	123	patience	patience	NOUN
fsr-3227	249	124	49.8	49.8	NUM
fsr-3227	249	125	%	%	NOUN
fsr-3227	249	126	5.70	5.70	NUM
fsr-3227	249	127	5.19	5.19	NUM
fsr-3227	249	128	4.81	4.81	NUM
fsr-3227	249	129	5.91	5.91	NUM
fsr-3227	249	130	5.78	5.78	NUM
fsr-3227	249	131	less	less	ADJ
fsr-3227	249	132	patience	patience	NOUN
fsr-3227	249	133	50.2	50.2	NUM
fsr-3227	249	134	%	%	NOUN
fsr-3227	249	135	5.61	5.61	NUM
fsr-3227	249	136	5.10	5.10	NUM
fsr-3227	249	137	4.75	4.75	NUM
fsr-3227	249	138	5.57	5.57	NUM
fsr-3227	249	139	5.62	5.62	NUM
fsr-3227	249	140	t	t	PROPN
fsr-3227	249	141	test	test	NOUN
fsr-3227	249	142	(	(	PUNCT
fsr-3227	249	143	more	more	ADV
fsr-3227	249	144	-	-	PUNCT
fsr-3227	249	145	less	less	ADJ
fsr-3227	249	146	)	)	PUNCT
fsr-3227	249	147	0.85	0.85	NUM
fsr-3227	249	148	0.75	0.75	NUM
fsr-3227	249	149	0.36	0.36	NUM
fsr-3227	249	150	2.90	2.90	NUM
fsr-3227	249	151	1.39	1.39	NUM
fsr-3227	249	152	time	time	NOUN
fsr-3227	249	153	spent	spend	VERB
fsr-3227	249	154	0–1	0–1	NUM
fsr-3227	249	155	hour	hour	NOUN
fsr-3227	249	156	47.8	47.8	NUM
fsr-3227	249	157	%	%	NOUN
fsr-3227	249	158	5.33	5.33	NUM
fsr-3227	249	159	4.81	4.81	NUM
fsr-3227	249	160	4.55	4.55	NUM
fsr-3227	249	161	5.38	5.38	NUM
fsr-3227	249	162	5.32	5.32	NUM
fsr-3227	249	163	time	time	NOUN
fsr-3227	249	164	spent	spend	VERB
fsr-3227	249	165	2–3	2–3	NUM
fsr-3227	249	166	hour	hour	NOUN
fsr-3227	249	167	40.5	40.5	NUM
fsr-3227	249	168	%	%	NOUN
fsr-3227	249	169	5.85	5.85	NUM
fsr-3227	249	170	5.40	5.40	NUM
fsr-3227	249	171	5.01	5.01	NUM
fsr-3227	249	172	5.95	5.95	NUM
fsr-3227	249	173	5.93	5.93	NUM
fsr-3227	249	174	time	time	NOUN
fsr-3227	249	175	spent	spend	VERB
fsr-3227	249	176	4–5	4–5	PROPN
fsr-3227	249	177	�	�	PROPN
fsr-3227	249	178	hours	hour	NOUN
fsr-3227	249	179	11.7	11.7	NUM
fsr-3227	249	180	%	%	NOUN
fsr-3227	249	181	6.33	6.33	NUM
fsr-3227	249	182	5.64	5.64	NUM
fsr-3227	249	183	4.88	4.88	NUM
fsr-3227	249	184	6.45	6.45	NUM
fsr-3227	249	185	6.48	6.48	NUM
fsr-3227	249	186	t	t	NOUN
fsr-3227	249	187	test	test	NOUN
fsr-3227	249	188	(	(	PUNCT
fsr-3227	249	189	most	most	ADV
fsr-3227	249	190	-	-	PUNCT
fsr-3227	249	191	least	least	ADJ
fsr-3227	249	192	)	)	PUNCT
fsr-3227	249	193	5.33	5.33	NUM
fsr-3227	249	194	3.90	3.90	NUM
fsr-3227	249	195	1.18	1.18	NUM
fsr-3227	249	196	5.32	5.32	NUM
fsr-3227	249	197	6.23	6.23	NUM
fsr-3227	249	198	has	have	AUX
fsr-3227	249	199	nonstudent	nonstudent	NOUN
fsr-3227	249	200	loan	loan	NOUN
fsr-3227	249	201	debt	debt	NOUN
fsr-3227	249	202	24.0	24.0	NUM
fsr-3227	249	203	%	%	NOUN
fsr-3227	249	204	5.62	5.62	NUM
fsr-3227	249	205	5.31	5.31	NUM
fsr-3227	249	206	5.03	5.03	NUM
fsr-3227	249	207	5.90	5.90	NUM
fsr-3227	249	208	5.94	5.94	NUM
fsr-3227	249	209	no	no	DET
fsr-3227	249	210	nonstudent	nonstudent	NOUN
fsr-3227	249	211	loan	loan	NOUN
fsr-3227	249	212	debt	debt	NOUN
fsr-3227	249	213	76.0	76.0	NUM
fsr-3227	249	214	%	%	NOUN
fsr-3227	249	215	5.67	5.67	NUM
fsr-3227	249	216	5.09	5.09	NUM
fsr-3227	249	217	4.70	4.70	NUM
fsr-3227	249	218	5.69	5.69	NUM
fsr-3227	249	219	5.63	5.63	NUM
fsr-3227	249	220	t	t	NOUN
fsr-3227	249	221	test	test	NOUN
fsr-3227	249	222	(	(	PUNCT
fsr-3227	249	223	has	have	AUX
fsr-3227	249	224	-	-	PUNCT
fsr-3227	249	225	no	no	NOUN
fsr-3227	249	226	)	)	PUNCT
fsr-3227	249	227	�	�	PROPN
fsr-3227	249	228	0.34	0.34	NUM
fsr-3227	249	229	1.46	1.46	NUM
fsr-3227	249	230	1.70	1.70	NUM
fsr-3227	249	231	1.52	1.52	NUM
fsr-3227	249	232	2.37	2.37	NUM
fsr-3227	249	233	has	have	VERB
fsr-3227	249	234	prior	prior	ADJ
fsr-3227	249	235	financial	financial	ADJ
fsr-3227	249	236	education	education	NOUN
fsr-3227	249	237	27.8	27.8	NUM
fsr-3227	249	238	%	%	NOUN
fsr-3227	249	239	5.64	5.64	NUM
fsr-3227	249	240	5.02	5.02	NUM
fsr-3227	249	241	4.70	4.70	NUM
fsr-3227	249	242	5.64	5.64	NUM
fsr-3227	249	243	5.70	5.70	NUM
fsr-3227	249	244	no	no	DET
fsr-3227	249	245	prior	prior	ADJ
fsr-3227	249	246	financial	financial	ADJ
fsr-3227	249	247	education	education	NOUN
fsr-3227	249	248	72.2	72.2	NUM
fsr-3227	249	249	%	%	NOUN
fsr-3227	249	250	5.66	5.66	NUM
fsr-3227	249	251	5.19	5.19	NUM
fsr-3227	249	252	4.80	4.80	NUM
fsr-3227	249	253	5.77	5.77	NUM
fsr-3227	249	254	5.70	5.70	NUM
fsr-3227	249	255	t	t	NOUN
fsr-3227	249	256	test	test	NOUN
fsr-3227	249	257	(	(	PUNCT
fsr-3227	249	258	has	have	AUX
fsr-3227	249	259	-	-	PUNCT
fsr-3227	249	260	has	have	AUX
fsr-3227	249	261	not	not	PART
fsr-3227	249	262	)	)	PUNCT
fsr-3227	249	263	�	�	PROPN
fsr-3227	249	264	0.22	0.22	NUM
fsr-3227	249	265	�	�	PROPN
fsr-3227	249	266	1.21	1.21	NUM
fsr-3227	249	267	�	�	PROPN
fsr-3227	249	268	0.55	0.55	NUM
fsr-3227	249	269	�	�	PROPN
fsr-3227	249	270	0.97	0.97	NUM
fsr-3227	249	271	�	�	PROPN
fsr-3227	249	272	0.06	0.06	NUM
fsr-3227	249	273	low	low	ADJ
fsr-3227	249	274	return	return	NOUN
fsr-3227	249	275	(	(	PUNCT
fsr-3227	249	276	1–5	1–5	NUM
fsr-3227	249	277	)	)	PUNCT
fsr-3227	249	278	14.5	14.5	NUM
fsr-3227	249	279	%	%	NOUN
fsr-3227	249	280	4.39	4.39	NUM
fsr-3227	249	281	4.26	4.26	NUM
fsr-3227	249	282	3.88	3.88	NUM
fsr-3227	249	283	4.32	4.32	NUM
fsr-3227	249	284	4.32	4.32	NUM
fsr-3227	249	285	high	high	ADJ
fsr-3227	249	286	return	return	NOUN
fsr-3227	249	287	(	(	PUNCT
fsr-3227	249	288	6–7	6–7	NOUN
fsr-3227	249	289	)	)	PUNCT
fsr-3227	249	290	85.5	85.5	NUM
fsr-3227	249	291	%	%	NOUN
fsr-3227	249	292	5.87	5.87	NUM
fsr-3227	249	293	5.29	5.29	NUM
fsr-3227	249	294	4.93	4.93	NUM
fsr-3227	249	295	5.98	5.98	NUM
fsr-3227	249	296	5.94	5.94	NUM
fsr-3227	249	297	t	t	NOUN
fsr-3227	249	298	test	test	NOUN
fsr-3227	249	299	(	(	PUNCT
fsr-3227	249	300	high	high	ADJ
fsr-3227	249	301	-	-	PUNCT
fsr-3227	249	302	low	low	NOUN
fsr-3227	249	303	)	)	PUNCT
fsr-3227	249	304	7.95	7.95	NUM
fsr-3227	249	305	5.35	5.35	NUM
fsr-3227	249	306	4.66	4.66	NUM
fsr-3227	249	307	8.26	8.26	NUM
fsr-3227	249	308	8.55	8.55	NUM
fsr-3227	249	309	return	return	NOUN
fsr-3227	249	310	�	�	PROPN
fsr-3227	249	311	6	6	NUM
fsr-3227	249	312	36.7	36.7	NUM
fsr-3227	249	313	%	%	NOUN
fsr-3227	249	314	5.47	5.47	NUM
fsr-3227	249	315	4.86	4.86	NUM
fsr-3227	249	316	4.58	4.58	NUM
fsr-3227	249	317	5.45	5.45	NUM
fsr-3227	249	318	5.45	5.45	NUM
fsr-3227	249	319	return	return	NOUN
fsr-3227	249	320	�	�	PROPN
fsr-3227	249	321	7	7	NUM
fsr-3227	249	322	48.8	48.8	NUM
fsr-3227	249	323	%	%	NOUN
fsr-3227	249	324	6.17	6.17	NUM
fsr-3227	249	325	5.62	5.62	NUM
fsr-3227	249	326	5.19	5.19	NUM
fsr-3227	249	327	6.38	6.38	NUM
fsr-3227	249	328	6.30	6.30	NUM
fsr-3227	249	329	t	t	PROPN
fsr-3227	249	330	test	test	NOUN
fsr-3227	249	331	(	(	PUNCT
fsr-3227	249	332	7–6	7–6	NUM
fsr-3227	249	333	)	)	PUNCT
fsr-3227	249	334	7.34	7.34	NUM
fsr-3227	249	335	6.18	6.18	NUM
fsr-3227	249	336	3.54	3.54	NUM
fsr-3227	249	337	8.91	8.91	NUM
fsr-3227	249	338	8.83	8.83	NUM
fsr-3227	249	339	living	living	NOUN
fsr-3227	249	340	expenses	expense	NOUN
fsr-3227	249	341	�	�	PROPN
fsr-3227	249	342	0	0	NUM
fsr-3227	249	343	%	%	NOUN
fsr-3227	249	344	28.8	28.8	NUM
fsr-3227	249	345	%	%	NOUN
fsr-3227	249	346	5.53	5.53	NUM
fsr-3227	249	347	5.15	5.15	NUM
fsr-3227	249	348	4.36	4.36	NUM
fsr-3227	249	349	5.68	5.68	NUM
fsr-3227	249	350	5.57	5.57	NUM
fsr-3227	249	351	living	living	NOUN
fsr-3227	249	352	expenses	expense	NOUN
fsr-3227	249	353	�	�	PROPN
fsr-3227	249	354	50	50	NUM
fsr-3227	249	355	%	%	NOUN
fsr-3227	249	356	35.1	35.1	NUM
fsr-3227	249	357	%	%	NOUN
fsr-3227	249	358	5.53	5.53	NUM
fsr-3227	249	359	5.14	5.14	NUM
fsr-3227	249	360	4.90	4.90	NUM
fsr-3227	249	361	5.64	5.64	NUM
fsr-3227	249	362	5.70	5.70	NUM
fsr-3227	249	363	living	living	NOUN
fsr-3227	249	364	expenses	expense	NOUN
fsr-3227	249	365	�	�	PROPN
fsr-3227	249	366	50	50	NUM
fsr-3227	249	367	%	%	NOUN
fsr-3227	249	368	12.7	12.7	NUM
fsr-3227	249	369	%	%	NOUN
fsr-3227	249	370	5.49	5.49	NUM
fsr-3227	249	371	4.92	4.92	NUM
fsr-3227	249	372	4.60	4.60	NUM
fsr-3227	249	373	5.51	5.51	NUM
fsr-3227	249	374	5.44	5.44	NUM
fsr-3227	249	375	living	living	NOUN
fsr-3227	249	376	expenses	expense	NOUN
fsr-3227	249	377	�	�	PROPN
fsr-3227	249	378	50	50	NUM
fsr-3227	249	379	%	%	NOUN
fsr-3227	249	380	12.3	12.3	NUM
fsr-3227	249	381	%	%	NOUN
fsr-3227	249	382	6.20	6.20	NUM
fsr-3227	249	383	5.28	5.28	NUM
fsr-3227	249	384	5.28	5.28	NUM
fsr-3227	249	385	6.08	6.08	NUM
fsr-3227	249	386	6.05	6.05	NUM
fsr-3227	249	387	living	living	NOUN
fsr-3227	249	388	expenses	expense	NOUN
fsr-3227	249	389	�	�	PROPN
fsr-3227	249	390	100	100	NUM
fsr-3227	249	391	%	%	NOUN
fsr-3227	249	392	11.1	11.1	NUM
fsr-3227	249	393	%	%	NOUN
fsr-3227	249	394	5.98	5.98	NUM
fsr-3227	249	395	5.24	5.24	NUM
fsr-3227	249	396	5.13	5.13	NUM
fsr-3227	249	397	6.09	6.09	NUM
fsr-3227	249	398	5.96	5.96	NUM
fsr-3227	249	399	t	t	PROPN
fsr-3227	249	400	test	test	NOUN
fsr-3227	249	401	(	(	PUNCT
fsr-3227	249	402	100	100	NUM
fsr-3227	249	403	%	%	NOUN
fsr-3227	249	404	to	to	PART
fsr-3227	249	405	0	0	NUM
fsr-3227	249	406	%	%	NOUN
fsr-3227	249	407	)	)	PUNCT
fsr-3227	249	408	2.03	2.03	NUM
fsr-3227	249	409	0.38	0.38	NUM
fsr-3227	249	410	2.51	2.51	NUM
fsr-3227	249	411	1.99	1.99	NUM
fsr-3227	249	412	1.82	1.82	NUM
fsr-3227	249	413	panel	panel	NOUN
fsr-3227	249	414	b	b	PROPN
fsr-3227	249	415	n	n	CCONJ
fsr-3227	249	416	�	�	PROPN
fsr-3227	249	417	496	496	NUM
fsr-3227	249	418	n	n	CCONJ
fsr-3227	249	419	/	/	SYM
fsr-3227	249	420	n%	n%	PROPN
fsr-3227	249	421	dbudget	dbudget	PROPN
fsr-3227	249	422	dcard	dcard	NOUN
fsr-3227	249	423	dsloan	dsloan	PROPN
fsr-3227	249	424	dother	dother	ADJ
fsr-3227	249	425	dall	dall	PROPN
fsr-3227	249	426	has	have	VERB
fsr-3227	249	427	credit	credit	NOUN
fsr-3227	249	428	card	card	NOUN
fsr-3227	249	429	59.3	59.3	NUM
fsr-3227	249	430	%	%	NOUN
fsr-3227	249	431	5.67	5.67	NUM
fsr-3227	249	432	5.15	5.15	NUM
fsr-3227	249	433	4.73	4.73	NUM
fsr-3227	249	434	5.79	5.79	NUM
fsr-3227	249	435	5.75	5.75	NUM
fsr-3227	249	436	no	no	DET
fsr-3227	249	437	credit	credit	NOUN
fsr-3227	249	438	card	card	NOUN
fsr-3227	249	439	40.7	40.7	NUM
fsr-3227	249	440	%	%	NOUN
fsr-3227	249	441	5.64	5.64	NUM
fsr-3227	249	442	5.14	5.14	NUM
fsr-3227	249	443	4.84	4.84	NUM
fsr-3227	249	444	5.66	5.66	NUM
fsr-3227	249	445	5.63	5.63	NUM
fsr-3227	249	446	t	t	NOUN
fsr-3227	249	447	test	test	NOUN
fsr-3227	249	448	(	(	PUNCT
fsr-3227	249	449	has	have	AUX
fsr-3227	249	450	-	-	PUNCT
fsr-3227	249	451	has	have	AUX
fsr-3227	249	452	not	not	PART
fsr-3227	249	453	)	)	PUNCT
fsr-3227	249	454	0.28	0.28	NUM
fsr-3227	249	455	0.06	0.06	NUM
fsr-3227	249	456	�	�	PROPN
fsr-3227	249	457	0.61	0.61	NUM
fsr-3227	249	458	1.03	1.03	NUM
fsr-3227	249	459	0.97	0.97	NUM
fsr-3227	249	460	pays	pay	NOUN
fsr-3227	249	461	credit	credit	NOUN
fsr-3227	249	462	card	card	NOUN
fsr-3227	249	463	�	�	PROPN
fsr-3227	249	464	0	0	NUM
fsr-3227	249	465	%	%	NOUN
fsr-3227	249	466	29.2	29.2	NUM
fsr-3227	249	467	%	%	NOUN
fsr-3227	249	468	5.52	5.52	NUM
fsr-3227	249	469	4.97	4.97	NUM
fsr-3227	249	470	4.40	4.40	NUM
fsr-3227	249	471	5.64	5.64	NUM
fsr-3227	249	472	5.57	5.57	NUM
fsr-3227	249	473	pays	pay	NOUN
fsr-3227	249	474	credit	credit	NOUN
fsr-3227	249	475	card	card	NOUN
fsr-3227	249	476	�	�	PROPN
fsr-3227	249	477	50	50	NUM
fsr-3227	249	478	%	%	NOUN
fsr-3227	249	479	9.7	9.7	NUM
fsr-3227	249	480	%	%	NOUN
fsr-3227	249	481	5.58	5.58	NUM
fsr-3227	249	482	5.38	5.38	NUM
fsr-3227	249	483	4.81	4.81	NUM
fsr-3227	249	484	5.90	5.90	NUM
fsr-3227	249	485	5.94	5.94	NUM
fsr-3227	249	486	pays	pay	NOUN
fsr-3227	249	487	credit	credit	NOUN
fsr-3227	249	488	card	card	NOUN
fsr-3227	249	489	�	�	PROPN
fsr-3227	249	490	50	50	NUM
fsr-3227	249	491	%	%	NOUN
fsr-3227	249	492	4.2	4.2	NUM
fsr-3227	249	493	%	%	NOUN
fsr-3227	249	494	5.29	5.29	NUM
fsr-3227	249	495	4.48	4.48	NUM
fsr-3227	249	496	3.90	3.90	NUM
fsr-3227	249	497	5.62	5.62	NUM
fsr-3227	249	498	5.33	5.33	NUM
fsr-3227	249	499	pays	pay	NOUN
fsr-3227	249	500	credit	credit	NOUN
fsr-3227	249	501	card	card	NOUN
fsr-3227	249	502	�	�	PROPN
fsr-3227	249	503	50	50	NUM
fsr-3227	249	504	%	%	NOUN
fsr-3227	249	505	3.6	3.6	NUM
fsr-3227	249	506	%	%	NOUN
fsr-3227	249	507	5.56	5.56	NUM
fsr-3227	249	508	5.17	5.17	NUM
fsr-3227	249	509	4.56	4.56	NUM
fsr-3227	249	510	5.72	5.72	NUM
fsr-3227	249	511	5.50	5.50	NUM
fsr-3227	249	512	pays	pay	NOUN
fsr-3227	249	513	credit	credit	NOUN
fsr-3227	249	514	card	card	NOUN
fsr-3227	249	515	�	�	PROPN
fsr-3227	249	516	100	100	NUM
fsr-3227	249	517	%	%	NOUN
fsr-3227	249	518	19.8	19.8	NUM
fsr-3227	249	519	%	%	NOUN
fsr-3227	249	520	5.82	5.82	NUM
fsr-3227	249	521	5.40	5.40	NUM
fsr-3227	249	522	5.22	5.22	NUM
fsr-3227	249	523	5.93	5.93	NUM
fsr-3227	249	524	5.93	5.93	NUM
fsr-3227	249	525	361c	361c	PROPN
fsr-3227	249	526	.	.	PUNCT
fsr-3227	250	1	harrington	harrington	PROPN
fsr-3227	250	2	,	,	PUNCT
fsr-3227	250	3	w.	w.	PROPN
fsr-3227	250	4	smith	smith	PROPN
fsr-3227	250	5	/	/	SYM
fsr-3227	250	6	financial	financial	ADJ
fsr-3227	250	7	services	service	NOUN
fsr-3227	250	8	review	review	VERB
fsr-3227	250	9	25	25	NUM
fsr-3227	250	10	(	(	PUNCT
fsr-3227	250	11	2016	2016	NUM
fsr-3227	250	12	)	)	PUNCT
fsr-3227	251	1	351–372	351–372	NUM
fsr-3227	251	2	in	in	ADP
fsr-3227	251	3	panel	panel	NOUN
fsr-3227	251	4	a	a	PRON
fsr-3227	251	5	of	of	ADP
fsr-3227	251	6	table	table	NOUN
fsr-3227	251	7	1	1	NUM
fsr-3227	251	8	,	,	PUNCT
fsr-3227	251	9	85.5	85.5	NUM
fsr-3227	251	10	%	%	NOUN
fsr-3227	251	11	of	of	ADP
fsr-3227	251	12	students	student	NOUN
fsr-3227	251	13	sampled	sample	VERB
fsr-3227	251	14	either	either	CCONJ
fsr-3227	251	15	agree	agree	VERB
fsr-3227	251	16	or	or	CCONJ
fsr-3227	251	17	strongly	strongly	ADV
fsr-3227	251	18	agree	agree	VERB
fsr-3227	251	19	that	that	SCONJ
fsr-3227	251	20	learning	learn	VERB
fsr-3227	251	21	about	about	ADP
fsr-3227	251	22	personal	personal	ADJ
fsr-3227	251	23	finance	finance	NOUN
fsr-3227	251	24	topics	topic	NOUN
fsr-3227	251	25	while	while	SCONJ
fsr-3227	251	26	in	in	ADP
fsr-3227	251	27	college	college	NOUN
fsr-3227	251	28	will	will	AUX
fsr-3227	251	29	improve	improve	VERB
fsr-3227	251	30	their	their	PRON
fsr-3227	251	31	ability	ability	NOUN
fsr-3227	251	32	to	to	PART
fsr-3227	251	33	make	make	VERB
fsr-3227	251	34	good	good	ADJ
fsr-3227	251	35	financial	financial	ADJ
fsr-3227	251	36	decisions	decision	NOUN
fsr-3227	251	37	in	in	ADP
fsr-3227	251	38	the	the	DET
fsr-3227	251	39	future	future	NOUN
fsr-3227	251	40	.	.	PUNCT
fsr-3227	252	1	therefore	therefore	ADV
fsr-3227	252	2	,	,	PUNCT
fsr-3227	252	3	we	we	PRON
fsr-3227	252	4	display	display	VERB
fsr-3227	252	5	descriptive	descriptive	ADJ
fsr-3227	252	6	statistics	statistic	NOUN
fsr-3227	252	7	for	for	ADP
fsr-3227	252	8	this	this	DET
fsr-3227	252	9	variable	variable	NOUN
fsr-3227	252	10	as	as	ADP
fsr-3227	252	11	high	high	ADJ
fsr-3227	252	12	perceived	perceive	VERB
fsr-3227	252	13	return	return	NOUN
fsr-3227	252	14	on	on	ADP
fsr-3227	252	15	financial	financial	ADJ
fsr-3227	252	16	literacy	literacy	NOUN
fsr-3227	252	17	corresponding	correspond	VERB
fsr-3227	252	18	to	to	ADP
fsr-3227	252	19	a	a	DET
fsr-3227	252	20	response	response	NOUN
fsr-3227	252	21	of	of	ADP
fsr-3227	252	22	agree	agree	VERB
fsr-3227	252	23	or	or	CCONJ
fsr-3227	252	24	strongly	strongly	ADV
fsr-3227	252	25	agree	agree	VERB
fsr-3227	252	26	(	(	PUNCT
fsr-3227	252	27	likert	likert	ADJ
fsr-3227	252	28	scale	scale	NOUN
fsr-3227	252	29	response	response	NOUN
fsr-3227	252	30	of	of	ADP
fsr-3227	252	31	6	6	NUM
fsr-3227	252	32	or	or	CCONJ
fsr-3227	252	33	7	7	NUM
fsr-3227	252	34	)	)	PUNCT
fsr-3227	252	35	,	,	PUNCT
fsr-3227	252	36	and	and	CCONJ
fsr-3227	252	37	low	low	ADJ
fsr-3227	252	38	perceived	perceive	VERB
fsr-3227	252	39	return	return	NOUN
fsr-3227	252	40	for	for	ADP
fsr-3227	252	41	all	all	DET
fsr-3227	252	42	other	other	ADJ
fsr-3227	252	43	responses	response	NOUN
fsr-3227	252	44	.	.	PUNCT
fsr-3227	253	1	students	student	NOUN
fsr-3227	253	2	with	with	ADP
fsr-3227	253	3	a	a	DET
fsr-3227	253	4	high	high	ADJ
fsr-3227	253	5	perceived	perceive	VERB
fsr-3227	253	6	return	return	NOUN
fsr-3227	253	7	have	have	VERB
fsr-3227	253	8	higher	high	ADJ
fsr-3227	253	9	interest	interest	NOUN
fsr-3227	253	10	in	in	ADP
fsr-3227	253	11	every	every	DET
fsr-3227	253	12	personal	personal	ADJ
fsr-3227	253	13	finance	finance	NOUN
fsr-3227	253	14	topic	topic	NOUN
fsr-3227	253	15	.	.	PUNCT
fsr-3227	254	1	we	we	PRON
fsr-3227	254	2	test	test	VERB
fsr-3227	254	3	for	for	ADP
fsr-3227	254	4	differences	difference	NOUN
fsr-3227	254	5	in	in	ADP
fsr-3227	254	6	interest	interest	NOUN
fsr-3227	254	7	among	among	ADP
fsr-3227	254	8	the	the	DET
fsr-3227	254	9	agree	agree	NOUN
fsr-3227	254	10	and	and	CCONJ
fsr-3227	254	11	strongly	strongly	ADV
fsr-3227	254	12	agree	agree	VERB
fsr-3227	254	13	responses	response	NOUN
fsr-3227	254	14	.	.	PUNCT
fsr-3227	255	1	students	student	NOUN
fsr-3227	255	2	who	who	PRON
fsr-3227	255	3	strongly	strongly	ADV
fsr-3227	255	4	agree	agree	VERB
fsr-3227	255	5	have	have	VERB
fsr-3227	255	6	a	a	DET
fsr-3227	255	7	statistically	statistically	ADV
fsr-3227	255	8	significant	significant	ADJ
fsr-3227	255	9	higher	high	ADJ
fsr-3227	255	10	interest	interest	NOUN
fsr-3227	255	11	compared	compare	VERB
fsr-3227	255	12	with	with	ADP
fsr-3227	255	13	students	student	NOUN
fsr-3227	255	14	who	who	PRON
fsr-3227	255	15	agree	agree	VERB
fsr-3227	255	16	.	.	PUNCT
fsr-3227	256	1	panel	panel	NOUN
fsr-3227	256	2	a	a	PRON
fsr-3227	256	3	of	of	ADP
fsr-3227	256	4	table	table	NOUN
fsr-3227	256	5	1	1	NUM
fsr-3227	256	6	shows	show	NOUN
fsr-3227	256	7	mean	mean	VERB
fsr-3227	256	8	responses	response	NOUN
fsr-3227	256	9	by	by	ADP
fsr-3227	256	10	percentage	percentage	NOUN
fsr-3227	256	11	of	of	ADP
fsr-3227	256	12	living	living	NOUN
fsr-3227	256	13	expenses	expense	NOUN
fsr-3227	256	14	paid	pay	VERB
fsr-3227	256	15	by	by	ADP
fsr-3227	256	16	the	the	DET
fsr-3227	256	17	student	student	NOUN
fsr-3227	256	18	as	as	ADP
fsr-3227	256	19	an	an	DET
fsr-3227	256	20	approximation	approximation	NOUN
fsr-3227	256	21	of	of	ADP
fsr-3227	256	22	a	a	DET
fsr-3227	256	23	financial	financial	ADJ
fsr-3227	256	24	safety	safety	NOUN
fsr-3227	256	25	net	net	NOUN
fsr-3227	256	26	.	.	PUNCT
fsr-3227	257	1	around	around	ADP
fsr-3227	257	2	29	29	NUM
fsr-3227	257	3	%	%	NOUN
fsr-3227	257	4	of	of	ADP
fsr-3227	257	5	students	student	NOUN
fsr-3227	257	6	pay	pay	VERB
fsr-3227	257	7	0	0	NUM
fsr-3227	257	8	%	%	NOUN
fsr-3227	257	9	of	of	ADP
fsr-3227	257	10	living	living	NOUN
fsr-3227	257	11	expenses	expense	NOUN
fsr-3227	257	12	and	and	CCONJ
fsr-3227	257	13	11	11	NUM
fsr-3227	257	14	%	%	NOUN
fsr-3227	257	15	of	of	ADP
fsr-3227	257	16	surveyed	survey	VERB
fsr-3227	257	17	students	student	NOUN
fsr-3227	257	18	fully	fully	ADV
fsr-3227	257	19	support	support	VERB
fsr-3227	257	20	themselves	themselves	PRON
fsr-3227	257	21	.	.	PUNCT
fsr-3227	258	1	students	student	NOUN
fsr-3227	258	2	who	who	PRON
fsr-3227	258	3	fully	fully	ADV
fsr-3227	258	4	pay	pay	VERB
fsr-3227	258	5	their	their	PRON
fsr-3227	258	6	living	living	NOUN
fsr-3227	258	7	expenses	expense	NOUN
fsr-3227	258	8	are	be	AUX
fsr-3227	258	9	significantly	significantly	ADV
fsr-3227	258	10	more	more	ADV
fsr-3227	258	11	interested	interested	ADJ
fsr-3227	258	12	in	in	ADP
fsr-3227	258	13	learning	learn	VERB
fsr-3227	258	14	about	about	ADP
fsr-3227	258	15	budgeting	budgeting	NOUN
fsr-3227	258	16	,	,	PUNCT
fsr-3227	258	17	student	student	NOUN
fsr-3227	258	18	loans	loan	NOUN
fsr-3227	258	19	,	,	PUNCT
fsr-3227	258	20	and	and	CCONJ
fsr-3227	258	21	topics	topic	NOUN
fsr-3227	258	22	in	in	ADP
fsr-3227	258	23	the	the	DET
fsr-3227	258	24	other	other	ADJ
fsr-3227	258	25	category	category	NOUN
fsr-3227	258	26	.	.	PUNCT
fsr-3227	259	1	statistics	statistic	NOUN
fsr-3227	259	2	on	on	ADP
fsr-3227	259	3	having	have	VERB
fsr-3227	259	4	credit	credit	NOUN
fsr-3227	259	5	cards	card	NOUN
fsr-3227	259	6	,	,	PUNCT
fsr-3227	259	7	paying	pay	VERB
fsr-3227	259	8	credit	credit	NOUN
fsr-3227	259	9	card	card	NOUN
fsr-3227	259	10	bills	bill	NOUN
fsr-3227	259	11	,	,	PUNCT
fsr-3227	259	12	and	and	CCONJ
fsr-3227	259	13	having	have	VERB
fsr-3227	259	14	student	student	NOUN
fsr-3227	259	15	loans	loan	NOUN
fsr-3227	259	16	are	be	AUX
fsr-3227	259	17	in	in	ADP
fsr-3227	259	18	panel	panel	NOUN
fsr-3227	259	19	b	b	PROPN
fsr-3227	259	20	of	of	ADP
fsr-3227	259	21	table	table	NOUN
fsr-3227	259	22	1	1	NUM
fsr-3227	259	23	.	.	PUNCT
fsr-3227	260	1	around	around	ADP
fsr-3227	260	2	59	59	NUM
fsr-3227	260	3	%	%	NOUN
fsr-3227	260	4	of	of	ADP
fsr-3227	260	5	sampled	sample	VERB
fsr-3227	260	6	students	student	NOUN
fsr-3227	260	7	report	report	VERB
fsr-3227	260	8	having	have	VERB
fsr-3227	260	9	a	a	DET
fsr-3227	260	10	credit	credit	NOUN
fsr-3227	260	11	card	card	NOUN
fsr-3227	260	12	,	,	PUNCT
fsr-3227	260	13	but	but	CCONJ
fsr-3227	260	14	only	only	ADV
fsr-3227	260	15	19.8	19.8	NUM
fsr-3227	260	16	%	%	NOUN
fsr-3227	260	17	report	report	NOUN
fsr-3227	260	18	paying	pay	VERB
fsr-3227	260	19	100	100	NUM
fsr-3227	260	20	%	%	NOUN
fsr-3227	260	21	of	of	ADP
fsr-3227	260	22	their	their	PRON
fsr-3227	260	23	credit	credit	NOUN
fsr-3227	260	24	card	card	NOUN
fsr-3227	260	25	bills	bill	NOUN
fsr-3227	260	26	.	.	PUNCT
fsr-3227	261	1	having	have	VERB
fsr-3227	261	2	a	a	DET
fsr-3227	261	3	credit	credit	NOUN
fsr-3227	261	4	card	card	NOUN
fsr-3227	261	5	does	do	AUX
fsr-3227	261	6	not	not	PART
fsr-3227	261	7	matter	matter	VERB
fsr-3227	261	8	to	to	PART
fsr-3227	261	9	interest	interest	NOUN
fsr-3227	261	10	in	in	ADP
fsr-3227	261	11	personal	personal	ADJ
fsr-3227	261	12	finance	finance	NOUN
fsr-3227	261	13	education	education	NOUN
fsr-3227	261	14	.	.	PUNCT
fsr-3227	262	1	students	student	NOUN
fsr-3227	262	2	responsible	responsible	ADJ
fsr-3227	262	3	for	for	ADP
fsr-3227	262	4	paying	pay	VERB
fsr-3227	262	5	100	100	NUM
fsr-3227	262	6	%	%	NOUN
fsr-3227	262	7	of	of	ADP
fsr-3227	262	8	their	their	PRON
fsr-3227	262	9	credit	credit	NOUN
fsr-3227	262	10	card	card	NOUN
fsr-3227	262	11	bills	bill	NOUN
fsr-3227	262	12	are	be	AUX
fsr-3227	262	13	statistically	statistically	ADV
fsr-3227	262	14	more	more	ADV
fsr-3227	262	15	interested	interested	ADJ
fsr-3227	262	16	in	in	ADP
fsr-3227	262	17	learning	learn	VERB
fsr-3227	262	18	about	about	ADP
fsr-3227	262	19	credit	credit	NOUN
fsr-3227	262	20	cards	card	NOUN
fsr-3227	262	21	,	,	PUNCT
fsr-3227	262	22	student	student	NOUN
fsr-3227	262	23	loans	loan	NOUN
fsr-3227	262	24	,	,	PUNCT
fsr-3227	262	25	and	and	CCONJ
fsr-3227	262	26	all	all	DET
fsr-3227	262	27	personal	personal	ADJ
fsr-3227	262	28	finance	finance	NOUN
fsr-3227	262	29	topics	topic	NOUN
fsr-3227	262	30	.	.	PUNCT
fsr-3227	263	1	of	of	ADP
fsr-3227	263	2	the	the	DET
fsr-3227	263	3	students	student	NOUN
fsr-3227	263	4	surveyed	survey	VERB
fsr-3227	263	5	,	,	PUNCT
fsr-3227	263	6	56	56	NUM
fsr-3227	263	7	%	%	NOUN
fsr-3227	263	8	have	have	VERB
fsr-3227	263	9	student	student	NOUN
fsr-3227	263	10	loans	loan	NOUN
fsr-3227	263	11	.	.	PUNCT
fsr-3227	264	1	these	these	DET
fsr-3227	264	2	students	student	NOUN
fsr-3227	264	3	are	be	AUX
fsr-3227	264	4	significantly	significantly	ADV
fsr-3227	264	5	more	more	ADV
fsr-3227	264	6	interested	interested	ADJ
fsr-3227	264	7	in	in	ADP
fsr-3227	264	8	learning	learn	VERB
fsr-3227	264	9	about	about	ADP
fsr-3227	264	10	student	student	NOUN
fsr-3227	264	11	loans	loan	NOUN
fsr-3227	264	12	while	while	SCONJ
fsr-3227	264	13	in	in	ADP
fsr-3227	264	14	college	college	NOUN
fsr-3227	264	15	.	.	PUNCT
fsr-3227	265	1	table	table	NOUN
fsr-3227	265	2	1	1	NUM
fsr-3227	265	3	(	(	PUNCT
fsr-3227	265	4	continued	continue	VERB
fsr-3227	265	5	)	)	PUNCT
fsr-3227	265	6	n	n	PRON
fsr-3227	265	7	�	�	PROPN
fsr-3227	265	8	496	496	NUM
fsr-3227	265	9	n	n	CCONJ
fsr-3227	265	10	/	/	SYM
fsr-3227	265	11	n%	n%	PROPN
fsr-3227	265	12	dbudget	dbudget	PROPN
fsr-3227	265	13	dcard	dcard	NOUN
fsr-3227	265	14	dsloan	dsloan	PROPN
fsr-3227	265	15	dother	dother	PROPN
fsr-3227	265	16	dall	dall	PROPN
fsr-3227	265	17	pays	pay	VERB
fsr-3227	265	18	credit	credit	NOUN
fsr-3227	265	19	card	card	NOUN
fsr-3227	265	20	n	n	CCONJ
fsr-3227	265	21	/	/	SYM
fsr-3227	265	22	a	a	DET
fsr-3227	265	23	33.5	33.5	NUM
fsr-3227	265	24	%	%	NOUN
fsr-3227	265	25	5.76	5.76	NUM
fsr-3227	265	26	5.16	5.16	NUM
fsr-3227	265	27	4.96	4.96	NUM
fsr-3227	265	28	5.68	5.68	NUM
fsr-3227	265	29	5.68	5.68	NUM
fsr-3227	265	30	t	t	NOUN
fsr-3227	265	31	test	test	NOUN
fsr-3227	265	32	(	(	PUNCT
fsr-3227	265	33	100	100	NUM
fsr-3227	265	34	%	%	NOUN
fsr-3227	265	35	to	to	PART
fsr-3227	265	36	0	0	NUM
fsr-3227	265	37	%	%	NOUN
fsr-3227	265	38	)	)	PUNCT
fsr-3227	265	39	1.66	1.66	NUM
fsr-3227	265	40	2.29	2.29	NUM
fsr-3227	265	41	3.41	3.41	NUM
fsr-3227	265	42	1.60	1.60	NUM
fsr-3227	265	43	2.06	2.06	NUM
fsr-3227	265	44	has	have	VERB
fsr-3227	265	45	student	student	NOUN
fsr-3227	265	46	loan	loan	NOUN
fsr-3227	265	47	56.0	56.0	NUM
fsr-3227	265	48	%	%	NOUN
fsr-3227	265	49	5.70	5.70	NUM
fsr-3227	265	50	5.19	5.19	NUM
fsr-3227	265	51	5.62	5.62	NUM
fsr-3227	265	52	5.70	5.70	NUM
fsr-3227	265	53	5.78	5.78	NUM
fsr-3227	265	54	no	no	DET
fsr-3227	265	55	student	student	NOUN
fsr-3227	265	56	loan	loan	NOUN
fsr-3227	265	57	44.0	44.0	NUM
fsr-3227	265	58	%	%	NOUN
fsr-3227	265	59	5.60	5.60	NUM
fsr-3227	265	60	5.09	5.09	NUM
fsr-3227	265	61	3.71	3.71	NUM
fsr-3227	265	62	5.79	5.79	NUM
fsr-3227	265	63	5.60	5.60	NUM
fsr-3227	265	64	t	t	NOUN
fsr-3227	265	65	test	test	NOUN
fsr-3227	265	66	(	(	PUNCT
fsr-3227	265	67	has	have	AUX
fsr-3227	265	68	-	-	PUNCT
fsr-3227	265	69	has	have	AUX
fsr-3227	265	70	not	not	PART
fsr-3227	265	71	)	)	PUNCT
fsr-3227	265	72	0.89	0.89	NUM
fsr-3227	265	73	0.79	0.79	NUM
fsr-3227	265	74	13.04	13.04	NUM
fsr-3227	265	75	�	�	PROPN
fsr-3227	265	76	0.76	0.76	NUM
fsr-3227	265	77	1.57	1.57	NUM
fsr-3227	265	78	ability	ability	NOUN
fsr-3227	265	79	�	�	NOUN
fsr-3227	265	80	average	average	ADJ
fsr-3227	265	81	55.6	55.6	NUM
fsr-3227	265	82	%	%	NOUN
fsr-3227	265	83	5.54	5.54	NUM
fsr-3227	265	84	5.08	5.08	NUM
fsr-3227	265	85	4.86	4.86	NUM
fsr-3227	265	86	5.57	5.57	NUM
fsr-3227	265	87	5.65	5.65	NUM
fsr-3227	265	88	ability	ability	NOUN
fsr-3227	265	89	�	�	NOUN
fsr-3227	265	90	average	average	ADJ
fsr-3227	265	91	44.4	44.4	NUM
fsr-3227	265	92	%	%	NOUN
fsr-3227	265	93	5.81	5.81	NUM
fsr-3227	265	94	5.23	5.23	NUM
fsr-3227	265	95	4.67	4.67	NUM
fsr-3227	265	96	5.95	5.95	NUM
fsr-3227	265	97	5.77	5.77	NUM
fsr-3227	265	98	t	t	NOUN
fsr-3227	265	99	test	test	NOUN
fsr-3227	265	100	(	(	PUNCT
fsr-3227	265	101	lower	low	ADJ
fsr-3227	265	102	-	-	PUNCT
fsr-3227	265	103	higher	high	ADJ
fsr-3227	265	104	)	)	PUNCT
fsr-3227	265	105	�	�	PROPN
fsr-3227	265	106	2.46	2.46	NUM
fsr-3227	265	107	�	�	PROPN
fsr-3227	265	108	1.20	1.20	NUM
fsr-3227	265	109	1.12	1.12	NUM
fsr-3227	265	110	�	�	PROPN
fsr-3227	265	111	3.27	3.27	NUM
fsr-3227	265	112	�	�	PROPN
fsr-3227	265	113	1.04	1.04	NUM
fsr-3227	265	114	highest	high	ADJ
fsr-3227	265	115	math	math	NOUN
fsr-3227	265	116	is	be	AUX
fsr-3227	265	117	algebra	algebra	NOUN
fsr-3227	265	118	65.9	65.9	NUM
fsr-3227	265	119	%	%	NOUN
fsr-3227	265	120	5.61	5.61	NUM
fsr-3227	265	121	5.07	5.07	NUM
fsr-3227	265	122	4.77	4.77	NUM
fsr-3227	265	123	5.61	5.61	NUM
fsr-3227	265	124	5.64	5.64	NUM
fsr-3227	265	125	highest	high	ADJ
fsr-3227	265	126	math	math	NOUN
fsr-3227	265	127	�	�	PROPN
fsr-3227	265	128	calculus	calculus	NOUN
fsr-3227	265	129	34.1	34.1	NUM
fsr-3227	265	130	%	%	NOUN
fsr-3227	265	131	5.74	5.74	NUM
fsr-3227	265	132	5.29	5.29	NUM
fsr-3227	265	133	4.79	4.79	NUM
fsr-3227	265	134	5.98	5.98	NUM
fsr-3227	265	135	5.82	5.82	NUM
fsr-3227	265	136	t	t	NOUN
fsr-3227	265	137	test	test	NOUN
fsr-3227	265	138	(	(	PUNCT
fsr-3227	265	139	algebra	algebra	NOUN
fsr-3227	265	140	-	-	PUNCT
fsr-3227	265	141	calculus	calculus	NOUN
fsr-3227	265	142	)	)	PUNCT
fsr-3227	265	143	�	�	PROPN
fsr-3227	265	144	1.07	1.07	NUM
fsr-3227	265	145	�	�	PROPN
fsr-3227	265	146	1.69	1.69	NUM
fsr-3227	265	147	�	�	PROPN
fsr-3227	265	148	0.15	0.15	NUM
fsr-3227	265	149	�	�	PROPN
fsr-3227	265	150	2.96	2.96	NUM
fsr-3227	265	151	�	�	PROPN
fsr-3227	265	152	1.45	1.45	NUM
fsr-3227	265	153	math	math	NOUN
fsr-3227	265	154	quiz	quiz	PROPN
fsr-3227	265	155	group	group	NOUN
fsr-3227	265	156	1	1	NUM
fsr-3227	265	157	2.6	2.6	NUM
fsr-3227	265	158	%	%	NOUN
fsr-3227	265	159	5.38	5.38	NUM
fsr-3227	265	160	4.38	4.38	NUM
fsr-3227	265	161	4.92	4.92	NUM
fsr-3227	265	162	5.69	5.69	NUM
fsr-3227	265	163	5.31	5.31	NUM
fsr-3227	265	164	math	math	NOUN
fsr-3227	265	165	quiz	quiz	NOUN
fsr-3227	265	166	group	group	NOUN
fsr-3227	265	167	2	2	NUM
fsr-3227	265	168	40.7	40.7	NUM
fsr-3227	265	169	%	%	NOUN
fsr-3227	265	170	5.70	5.70	NUM
fsr-3227	265	171	5.25	5.25	NUM
fsr-3227	265	172	4.65	4.65	NUM
fsr-3227	265	173	5.60	5.60	NUM
fsr-3227	265	174	5.67	5.67	NUM
fsr-3227	265	175	math	math	NOUN
fsr-3227	265	176	quiz	quiz	NOUN
fsr-3227	265	177	group	group	NOUN
fsr-3227	265	178	3	3	NUM
fsr-3227	265	179	33.9	33.9	NUM
fsr-3227	265	180	%	%	NOUN
fsr-3227	265	181	5.60	5.60	NUM
fsr-3227	265	182	5.20	5.20	NUM
fsr-3227	265	183	5.10	5.10	NUM
fsr-3227	265	184	5.79	5.79	NUM
fsr-3227	265	185	5.79	5.79	NUM
fsr-3227	265	186	math	math	NOUN
fsr-3227	265	187	quiz	quiz	NOUN
fsr-3227	265	188	group	group	NOUN
fsr-3227	265	189	4	4	NUM
fsr-3227	265	190	22.8	22.8	NUM
fsr-3227	265	191	%	%	NOUN
fsr-3227	265	192	5.71	5.71	NUM
fsr-3227	265	193	4.96	4.96	NUM
fsr-3227	265	194	4.50	4.50	NUM
fsr-3227	265	195	5.92	5.92	NUM
fsr-3227	265	196	5.67	5.67	NUM
fsr-3227	265	197	t	t	PROPN
fsr-3227	265	198	test	test	NOUN
fsr-3227	265	199	(	(	PUNCT
fsr-3227	265	200	group	group	NOUN
fsr-3227	265	201	2	2	NUM
fsr-3227	265	202	-	-	PUNCT
fsr-3227	265	203	group	group	NOUN
fsr-3227	265	204	4	4	NUM
fsr-3227	265	205	)	)	PUNCT
fsr-3227	265	206	�	�	PROPN
fsr-3227	265	207	0.07	0.07	NUM
fsr-3227	265	208	1.84	1.84	NUM
fsr-3227	265	209	0.65	0.65	NUM
fsr-3227	265	210	�	�	PROPN
fsr-3227	265	211	2.03	2.03	NUM
fsr-3227	265	212	0.00	0.00	NUM
fsr-3227	265	213	notes	note	NOUN
fsr-3227	265	214	:	:	PUNCT
fsr-3227	265	215	dbudget	dbudget	NOUN
fsr-3227	265	216	,	,	PUNCT
fsr-3227	265	217	dcard	dcard	NOUN
fsr-3227	265	218	,	,	PUNCT
fsr-3227	265	219	dsloan	dsloan	NOUN
fsr-3227	265	220	,	,	PUNCT
fsr-3227	265	221	dother	dother	ADJ
fsr-3227	265	222	,	,	PUNCT
fsr-3227	265	223	and	and	CCONJ
fsr-3227	265	224	dall	dall	PROPN
fsr-3227	265	225	represent	represent	VERB
fsr-3227	265	226	demand	demand	NOUN
fsr-3227	265	227	for	for	ADP
fsr-3227	265	228	learning	learn	VERB
fsr-3227	265	229	about	about	ADP
fsr-3227	265	230	personal	personal	ADJ
fsr-3227	265	231	budgeting	budgeting	NOUN
fsr-3227	265	232	,	,	PUNCT
fsr-3227	265	233	credit	credit	NOUN
fsr-3227	265	234	cards	card	NOUN
fsr-3227	265	235	,	,	PUNCT
fsr-3227	265	236	student	student	NOUN
fsr-3227	265	237	loans	loan	NOUN
fsr-3227	265	238	,	,	PUNCT
fsr-3227	265	239	other	other	ADJ
fsr-3227	265	240	personal	personal	ADJ
fsr-3227	265	241	finance	finance	NOUN
fsr-3227	265	242	topics	topic	NOUN
fsr-3227	265	243	,	,	PUNCT
fsr-3227	265	244	and	and	CCONJ
fsr-3227	265	245	all	all	DET
fsr-3227	265	246	personal	personal	ADJ
fsr-3227	265	247	finance	finance	NOUN
fsr-3227	265	248	topics	topic	NOUN
fsr-3227	265	249	,	,	PUNCT
fsr-3227	265	250	respectively	respectively	ADV
fsr-3227	265	251	.	.	PUNCT
fsr-3227	266	1	time	time	NOUN
fsr-3227	266	2	spent	spend	VERB
fsr-3227	266	3	is	be	AUX
fsr-3227	266	4	the	the	DET
fsr-3227	266	5	number	number	NOUN
fsr-3227	266	6	of	of	ADP
fsr-3227	266	7	hours	hour	NOUN
fsr-3227	266	8	per	per	ADP
fsr-3227	266	9	week	week	NOUN
fsr-3227	266	10	the	the	DET
fsr-3227	266	11	student	student	NOUN
fsr-3227	266	12	is	be	AUX
fsr-3227	266	13	willing	willing	ADJ
fsr-3227	266	14	commit	commit	VERB
fsr-3227	266	15	to	to	ADP
fsr-3227	266	16	personal	personal	ADJ
fsr-3227	266	17	finance	finance	NOUN
fsr-3227	266	18	education	education	NOUN
fsr-3227	266	19	.	.	PUNCT
fsr-3227	267	1	return	return	NOUN
fsr-3227	267	2	is	be	AUX
fsr-3227	267	3	the	the	DET
fsr-3227	267	4	perceived	perceive	VERB
fsr-3227	267	5	return	return	NOUN
fsr-3227	267	6	from	from	ADP
fsr-3227	267	7	personal	personal	ADJ
fsr-3227	267	8	finance	finance	NOUN
fsr-3227	267	9	education	education	NOUN
fsr-3227	267	10	.	.	PUNCT
fsr-3227	268	1	living	live	VERB
fsr-3227	268	2	expenses	expense	NOUN
fsr-3227	268	3	is	be	AUX
fsr-3227	268	4	the	the	DET
fsr-3227	268	5	percentage	percentage	NOUN
fsr-3227	268	6	of	of	ADP
fsr-3227	268	7	living	living	NOUN
fsr-3227	268	8	expenses	expense	NOUN
fsr-3227	268	9	paid	pay	VERB
fsr-3227	268	10	by	by	ADP
fsr-3227	268	11	the	the	DET
fsr-3227	268	12	student	student	NOUN
fsr-3227	268	13	.	.	PUNCT
fsr-3227	269	1	ability	ability	NOUN
fsr-3227	269	2	is	be	AUX
fsr-3227	269	3	self	self	NOUN
fsr-3227	269	4	-	-	PUNCT
fsr-3227	269	5	reported	report	VERB
fsr-3227	269	6	math	math	NOUN
fsr-3227	269	7	ability	ability	NOUN
fsr-3227	269	8	.	.	PUNCT
fsr-3227	270	1	highest	high	ADJ
fsr-3227	270	2	math	math	NOUN
fsr-3227	270	3	is	be	AUX
fsr-3227	270	4	the	the	DET
fsr-3227	270	5	highest	high	ADJ
fsr-3227	270	6	level	level	NOUN
fsr-3227	270	7	of	of	ADP
fsr-3227	270	8	math	math	NOUN
fsr-3227	270	9	course	course	NOUN
fsr-3227	270	10	completed	complete	VERB
fsr-3227	270	11	.	.	PUNCT
fsr-3227	271	1	group	group	NOUN
fsr-3227	271	2	is	be	AUX
fsr-3227	271	3	the	the	DET
fsr-3227	271	4	rank	rank	NOUN
fsr-3227	271	5	based	base	VERB
fsr-3227	271	6	on	on	ADP
fsr-3227	271	7	a	a	DET
fsr-3227	271	8	5	5	NUM
fsr-3227	271	9	-	-	PUNCT
fsr-3227	271	10	question	question	NOUN
fsr-3227	271	11	numeracy	numeracy	NOUN
fsr-3227	271	12	quiz	quiz	NOUN
fsr-3227	271	13	score	score	NOUN
fsr-3227	271	14	.	.	PUNCT
fsr-3227	272	1	362	362	NUM
fsr-3227	272	2	c.	c.	PROPN
fsr-3227	272	3	harrington	harrington	PROPN
fsr-3227	272	4	,	,	PUNCT
fsr-3227	272	5	w.	w.	PROPN
fsr-3227	272	6	smith	smith	PROPN
fsr-3227	272	7	/	/	SYM
fsr-3227	272	8	financial	financial	ADJ
fsr-3227	272	9	services	service	NOUN
fsr-3227	272	10	review	review	VERB
fsr-3227	272	11	25	25	NUM
fsr-3227	272	12	(	(	PUNCT
fsr-3227	272	13	2016	2016	NUM
fsr-3227	272	14	)	)	PUNCT
fsr-3227	272	15	351–372	351–372	NUM
fsr-3227	272	16	panel	panel	NOUN
fsr-3227	272	17	b	b	PROPN
fsr-3227	272	18	of	of	ADP
fsr-3227	272	19	table	table	NOUN
fsr-3227	272	20	1	1	NUM
fsr-3227	272	21	shows	show	VERB
fsr-3227	272	22	statistics	statistic	NOUN
fsr-3227	272	23	for	for	ADP
fsr-3227	272	24	the	the	DET
fsr-3227	272	25	measures	measure	NOUN
fsr-3227	272	26	of	of	ADP
fsr-3227	272	27	numerical	numerical	ADJ
fsr-3227	272	28	ability	ability	NOUN
fsr-3227	272	29	.	.	PUNCT
fsr-3227	273	1	most	most	ADJ
fsr-3227	273	2	students	student	NOUN
fsr-3227	273	3	report	report	VERB
fsr-3227	273	4	their	their	PRON
fsr-3227	273	5	ability	ability	NOUN
fsr-3227	273	6	as	as	ADP
fsr-3227	273	7	average	average	ADJ
fsr-3227	273	8	(	(	PUNCT
fsr-3227	273	9	48	48	NUM
fsr-3227	273	10	%	%	NOUN
fsr-3227	273	11	)	)	PUNCT
fsr-3227	273	12	or	or	CCONJ
fsr-3227	273	13	above	above	ADP
fsr-3227	273	14	average	average	ADJ
fsr-3227	273	15	(	(	PUNCT
fsr-3227	273	16	38.5	38.5	NUM
fsr-3227	273	17	%	%	NOUN
fsr-3227	273	18	)	)	PUNCT
fsr-3227	273	19	with	with	ADP
fsr-3227	273	20	very	very	ADV
fsr-3227	273	21	few	few	ADJ
fsr-3227	273	22	students	student	NOUN
fsr-3227	273	23	reporting	report	VERB
fsr-3227	273	24	ability	ability	NOUN
fsr-3227	273	25	as	as	ADP
fsr-3227	273	26	below	below	ADP
fsr-3227	273	27	average	average	NOUN
fsr-3227	273	28	(	(	PUNCT
fsr-3227	273	29	6.7	6.7	NUM
fsr-3227	273	30	%	%	NOUN
fsr-3227	273	31	)	)	PUNCT
fsr-3227	273	32	,	,	PUNCT
fsr-3227	273	33	bottom	bottom	NOUN
fsr-3227	273	34	10	10	NUM
fsr-3227	273	35	%	%	NOUN
fsr-3227	273	36	(	(	PUNCT
fsr-3227	273	37	1	1	NUM
fsr-3227	273	38	%	%	NOUN
fsr-3227	273	39	)	)	PUNCT
fsr-3227	273	40	,	,	PUNCT
fsr-3227	273	41	or	or	CCONJ
fsr-3227	273	42	top	top	ADJ
fsr-3227	273	43	10	10	NUM
fsr-3227	273	44	%	%	NOUN
fsr-3227	273	45	(	(	PUNCT
fsr-3227	273	46	5.8	5.8	NUM
fsr-3227	273	47	%	%	NOUN
fsr-3227	273	48	)	)	PUNCT
fsr-3227	273	49	.	.	PUNCT
fsr-3227	274	1	therefore	therefore	ADV
fsr-3227	274	2	,	,	PUNCT
fsr-3227	274	3	we	we	PRON
fsr-3227	274	4	display	display	VERB
fsr-3227	274	5	self	self	NOUN
fsr-3227	274	6	-	-	PUNCT
fsr-3227	274	7	reported	report	VERB
fsr-3227	274	8	mathematical	mathematical	ADJ
fsr-3227	274	9	ability	ability	NOUN
fsr-3227	274	10	as	as	ADP
fsr-3227	274	11	average	average	ADJ
fsr-3227	274	12	or	or	CCONJ
fsr-3227	274	13	below	below	ADV
fsr-3227	274	14	and	and	CCONJ
fsr-3227	274	15	above	above	ADP
fsr-3227	274	16	average	average	NOUN
fsr-3227	274	17	in	in	ADP
fsr-3227	274	18	panel	panel	NOUN
fsr-3227	274	19	b	b	PROPN
fsr-3227	274	20	of	of	ADP
fsr-3227	274	21	table	table	NOUN
fsr-3227	274	22	1	1	NUM
fsr-3227	274	23	.	.	PUNCT
fsr-3227	274	24	self	self	NOUN
fsr-3227	274	25	-	-	PUNCT
fsr-3227	274	26	reported	report	VERB
fsr-3227	274	27	highest	high	ADJ
fsr-3227	274	28	level	level	NOUN
fsr-3227	274	29	of	of	ADP
fsr-3227	274	30	completed	complete	VERB
fsr-3227	274	31	math	math	NOUN
fsr-3227	274	32	course	course	NOUN
fsr-3227	274	33	has	have	VERB
fsr-3227	274	34	a	a	DET
fsr-3227	274	35	similar	similar	ADJ
fsr-3227	274	36	distribution	distribution	NOUN
fsr-3227	274	37	.	.	PUNCT
fsr-3227	275	1	thirty	thirty	NUM
fsr-3227	275	2	students	student	NOUN
fsr-3227	275	3	(	(	PUNCT
fsr-3227	275	4	6.1	6.1	NUM
fsr-3227	275	5	%	%	NOUN
fsr-3227	275	6	)	)	PUNCT
fsr-3227	275	7	have	have	VERB
fsr-3227	275	8	yet	yet	ADV
fsr-3227	275	9	to	to	PART
fsr-3227	275	10	complete	complete	VERB
fsr-3227	275	11	a	a	DET
fsr-3227	275	12	college	college	NOUN
fsr-3227	275	13	level	level	NOUN
fsr-3227	275	14	math	math	NOUN
fsr-3227	275	15	course	course	NOUN
fsr-3227	275	16	.	.	PUNCT
fsr-3227	276	1	the	the	DET
fsr-3227	276	2	majority	majority	NOUN
fsr-3227	276	3	of	of	ADP
fsr-3227	276	4	these	these	DET
fsr-3227	276	5	students	student	NOUN
fsr-3227	276	6	are	be	AUX
fsr-3227	276	7	freshmen	freshman	NOUN
fsr-3227	276	8	(	(	PUNCT
fsr-3227	276	9	not	not	PART
fsr-3227	276	10	tabulated	tabulate	VERB
fsr-3227	276	11	)	)	PUNCT
fsr-3227	276	12	.	.	PUNCT
fsr-3227	277	1	for	for	ADP
fsr-3227	277	2	students	student	NOUN
fsr-3227	277	3	who	who	PRON
fsr-3227	277	4	have	have	AUX
fsr-3227	277	5	completed	complete	VERB
fsr-3227	277	6	college	college	NOUN
fsr-3227	277	7	math	math	NOUN
fsr-3227	277	8	courses	course	NOUN
fsr-3227	277	9	,	,	PUNCT
fsr-3227	277	10	the	the	DET
fsr-3227	277	11	highest	high	ADJ
fsr-3227	277	12	level	level	NOUN
fsr-3227	277	13	is	be	AUX
fsr-3227	277	14	lower	low	ADJ
fsr-3227	277	15	-	-	PUNCT
fsr-3227	277	16	level	level	NOUN
fsr-3227	277	17	algebra	algebra	NOUN
fsr-3227	277	18	for	for	ADP
fsr-3227	277	19	12.5	12.5	NUM
fsr-3227	277	20	%	%	NOUN
fsr-3227	277	21	and	and	CCONJ
fsr-3227	277	22	higher	high	ADJ
fsr-3227	277	23	-	-	PUNCT
fsr-3227	277	24	level	level	NOUN
fsr-3227	277	25	algebra	algebra	NOUN
fsr-3227	277	26	for	for	ADP
fsr-3227	277	27	53.4	53.4	NUM
fsr-3227	277	28	%	%	NOUN
fsr-3227	277	29	of	of	ADP
fsr-3227	277	30	the	the	DET
fsr-3227	277	31	sample	sample	NOUN
fsr-3227	277	32	.	.	PUNCT
fsr-3227	278	1	the	the	DET
fsr-3227	278	2	first	first	ADJ
fsr-3227	278	3	calculus	calculus	NOUN
fsr-3227	278	4	course	course	NOUN
fsr-3227	278	5	is	be	AUX
fsr-3227	278	6	the	the	DET
fsr-3227	278	7	highest	high	ADJ
fsr-3227	278	8	level	level	NOUN
fsr-3227	278	9	for	for	ADP
fsr-3227	278	10	29.2	29.2	NUM
fsr-3227	278	11	%	%	NOUN
fsr-3227	278	12	,	,	PUNCT
fsr-3227	278	13	and	and	CCONJ
fsr-3227	278	14	4.8	4.8	NUM
fsr-3227	278	15	%	%	NOUN
fsr-3227	278	16	of	of	ADP
fsr-3227	278	17	students	student	NOUN
fsr-3227	278	18	have	have	AUX
fsr-3227	278	19	completed	complete	VERB
fsr-3227	278	20	the	the	DET
fsr-3227	278	21	second	second	ADJ
fsr-3227	278	22	calculus	calculus	NOUN
fsr-3227	278	23	course	course	NOUN
fsr-3227	278	24	or	or	CCONJ
fsr-3227	278	25	higher	high	ADJ
fsr-3227	278	26	.	.	PUNCT
fsr-3227	279	1	given	give	VERB
fsr-3227	279	2	the	the	DET
fsr-3227	279	3	smaller	small	ADJ
fsr-3227	279	4	proportions	proportion	NOUN
fsr-3227	279	5	of	of	ADP
fsr-3227	279	6	the	the	DET
fsr-3227	279	7	sample	sample	NOUN
fsr-3227	279	8	at	at	ADP
fsr-3227	279	9	the	the	DET
fsr-3227	279	10	extremes	extreme	NOUN
fsr-3227	279	11	of	of	ADP
fsr-3227	279	12	this	this	DET
fsr-3227	279	13	distribution	distribution	NOUN
fsr-3227	279	14	,	,	PUNCT
fsr-3227	279	15	math	math	NOUN
fsr-3227	279	16	level	level	NOUN
fsr-3227	279	17	is	be	AUX
fsr-3227	279	18	dichotomized	dichotomize	VERB
fsr-3227	279	19	as	as	ADP
fsr-3227	279	20	the	the	DET
fsr-3227	279	21	highest	high	ADJ
fsr-3227	279	22	level	level	NOUN
fsr-3227	279	23	is	be	AUX
fsr-3227	279	24	any	any	DET
fsr-3227	279	25	algebra	algebra	NOUN
fsr-3227	279	26	course	course	NOUN
fsr-3227	279	27	(	(	PUNCT
fsr-3227	279	28	65.9	65.9	NUM
fsr-3227	279	29	%	%	NOUN
fsr-3227	279	30	)	)	PUNCT
fsr-3227	279	31	and	and	CCONJ
fsr-3227	279	32	highest	high	ADJ
fsr-3227	279	33	level	level	NOUN
fsr-3227	279	34	is	be	AUX
fsr-3227	279	35	the	the	DET
fsr-3227	279	36	first	first	ADJ
fsr-3227	279	37	calculus	calculus	NOUN
fsr-3227	279	38	course	course	NOUN
fsr-3227	279	39	and	and	CCONJ
fsr-3227	279	40	above	above	ADV
fsr-3227	279	41	(	(	PUNCT
fsr-3227	279	42	34.1	34.1	NUM
fsr-3227	279	43	%	%	NOUN
fsr-3227	279	44	)	)	PUNCT
fsr-3227	279	45	.	.	PUNCT
fsr-3227	280	1	based	base	VERB
fsr-3227	280	2	on	on	ADP
fsr-3227	280	3	the	the	DET
fsr-3227	280	4	results	result	NOUN
fsr-3227	280	5	from	from	ADP
fsr-3227	280	6	the	the	DET
fsr-3227	280	7	5	5	NUM
fsr-3227	280	8	-	-	PUNCT
fsr-3227	280	9	question	question	NOUN
fsr-3227	280	10	math	math	NOUN
fsr-3227	280	11	quiz	quiz	NOUN
fsr-3227	280	12	,	,	PUNCT
fsr-3227	280	13	2.6	2.6	NUM
fsr-3227	280	14	%	%	NOUN
fsr-3227	280	15	of	of	ADP
fsr-3227	280	16	students	student	NOUN
fsr-3227	280	17	are	be	AUX
fsr-3227	280	18	ranked	rank	VERB
fsr-3227	280	19	as	as	ADP
fsr-3227	280	20	group	group	NOUN
fsr-3227	280	21	1	1	NUM
fsr-3227	280	22	,	,	PUNCT
fsr-3227	280	23	40.7	40.7	NUM
fsr-3227	280	24	%	%	NOUN
fsr-3227	280	25	as	as	ADP
fsr-3227	280	26	group	group	NOUN
fsr-3227	280	27	2	2	NUM
fsr-3227	280	28	,	,	PUNCT
fsr-3227	280	29	33.9	33.9	NUM
fsr-3227	280	30	%	%	NOUN
fsr-3227	280	31	as	as	ADP
fsr-3227	280	32	group	group	NOUN
fsr-3227	280	33	3	3	NUM
fsr-3227	280	34	,	,	PUNCT
fsr-3227	280	35	and	and	CCONJ
fsr-3227	280	36	22.8	22.8	NUM
fsr-3227	280	37	%	%	NOUN
fsr-3227	280	38	as	as	ADP
fsr-3227	280	39	group	group	NOUN
fsr-3227	280	40	4	4	NUM
fsr-3227	280	41	.	.	PUNCT
fsr-3227	281	1	regardless	regardless	ADV
fsr-3227	281	2	of	of	ADP
fsr-3227	281	3	measurement	measurement	NOUN
fsr-3227	281	4	,	,	PUNCT
fsr-3227	281	5	students	student	NOUN
fsr-3227	281	6	with	with	ADP
fsr-3227	281	7	higher	high	ADJ
fsr-3227	281	8	numerical	numerical	ADJ
fsr-3227	281	9	ability	ability	NOUN
fsr-3227	281	10	are	be	AUX
fsr-3227	281	11	statistically	statistically	ADV
fsr-3227	281	12	more	more	ADV
fsr-3227	281	13	interested	interested	ADJ
fsr-3227	281	14	in	in	ADP
fsr-3227	281	15	other	other	ADJ
fsr-3227	281	16	personal	personal	ADJ
fsr-3227	281	17	finance	finance	NOUN
fsr-3227	281	18	topics	topic	NOUN
fsr-3227	281	19	.	.	PUNCT
fsr-3227	282	1	only	only	ADV
fsr-3227	282	2	students	student	NOUN
fsr-3227	282	3	who	who	PRON
fsr-3227	282	4	self	self	NOUN
fsr-3227	282	5	-	-	PUNCT
fsr-3227	282	6	report	report	NOUN
fsr-3227	282	7	high	high	ADJ
fsr-3227	282	8	math	math	NOUN
fsr-3227	282	9	ability	ability	NOUN
fsr-3227	282	10	are	be	AUX
fsr-3227	282	11	relatively	relatively	ADV
fsr-3227	282	12	more	more	ADV
fsr-3227	282	13	interested	interested	ADJ
fsr-3227	282	14	in	in	ADP
fsr-3227	282	15	learning	learn	VERB
fsr-3227	282	16	about	about	ADP
fsr-3227	282	17	personal	personal	ADJ
fsr-3227	282	18	budgeting	budgeting	NOUN
fsr-3227	282	19	.	.	PUNCT
fsr-3227	283	1	table	table	NOUN
fsr-3227	283	2	2	2	NUM
fsr-3227	283	3	presents	present	NOUN
fsr-3227	283	4	correlations	correlation	NOUN
fsr-3227	283	5	between	between	ADP
fsr-3227	283	6	the	the	DET
fsr-3227	283	7	measures	measure	NOUN
fsr-3227	283	8	of	of	ADP
fsr-3227	283	9	numerical	numerical	ADJ
fsr-3227	283	10	ability	ability	NOUN
fsr-3227	283	11	,	,	PUNCT
fsr-3227	283	12	patience	patience	NOUN
fsr-3227	283	13	in	in	ADP
fsr-3227	283	14	consumption	consumption	NOUN
fsr-3227	283	15	,	,	PUNCT
fsr-3227	283	16	time	time	NOUN
fsr-3227	283	17	cost	cost	NOUN
fsr-3227	283	18	,	,	PUNCT
fsr-3227	283	19	and	and	CCONJ
fsr-3227	283	20	prior	prior	ADJ
fsr-3227	283	21	financial	financial	ADJ
fsr-3227	283	22	education	education	NOUN
fsr-3227	283	23	.	.	PUNCT
fsr-3227	284	1	the	the	DET
fsr-3227	284	2	correlation	correlation	NOUN
fsr-3227	284	3	coefficients	coefficient	VERB
fsr-3227	284	4	for	for	ADP
fsr-3227	284	5	self	self	NOUN
fsr-3227	284	6	-	-	PUNCT
fsr-3227	284	7	reported	report	VERB
fsr-3227	284	8	ability	ability	NOUN
fsr-3227	284	9	and	and	CCONJ
fsr-3227	284	10	highest	high	ADJ
fsr-3227	284	11	math	math	NOUN
fsr-3227	284	12	course	course	NOUN
fsr-3227	284	13	completed	complete	VERB
fsr-3227	284	14	,	,	PUNCT
fsr-3227	284	15	self	self	NOUN
fsr-3227	284	16	-	-	PUNCT
fsr-3227	284	17	reported	report	VERB
fsr-3227	284	18	ability	ability	NOUN
fsr-3227	284	19	and	and	CCONJ
fsr-3227	284	20	group	group	NOUN
fsr-3227	284	21	,	,	PUNCT
fsr-3227	284	22	and	and	CCONJ
fsr-3227	284	23	highest	high	ADJ
fsr-3227	284	24	math	math	NOUN
fsr-3227	284	25	course	course	NOUN
fsr-3227	284	26	completed	complete	VERB
fsr-3227	284	27	and	and	CCONJ
fsr-3227	284	28	group	group	NOUN
fsr-3227	284	29	are	be	AUX
fsr-3227	284	30	0.43	0.43	NUM
fsr-3227	284	31	,	,	PUNCT
fsr-3227	284	32	0.33	0.33	NUM
fsr-3227	284	33	,	,	PUNCT
fsr-3227	284	34	and	and	CCONJ
fsr-3227	284	35	0.19	0.19	NUM
fsr-3227	284	36	,	,	PUNCT
fsr-3227	284	37	respectively	respectively	ADV
fsr-3227	284	38	(	(	PUNCT
fsr-3227	284	39	p	p	NOUN
fsr-3227	284	40	values	value	NOUN
fsr-3227	284	41	�	�	PROPN
fsr-3227	284	42	0.0001	0.0001	NUM
fsr-3227	284	43	)	)	PUNCT
fsr-3227	284	44	.	.	PUNCT
fsr-3227	285	1	the	the	DET
fsr-3227	285	2	three	three	NUM
fsr-3227	285	3	measures	measure	NOUN
fsr-3227	285	4	of	of	ADP
fsr-3227	285	5	math	math	NOUN
fsr-3227	285	6	ability	ability	NOUN
fsr-3227	285	7	share	share	VERB
fsr-3227	285	8	weaker	weak	ADJ
fsr-3227	285	9	correlations	correlation	NOUN
fsr-3227	285	10	with	with	ADP
fsr-3227	285	11	the	the	DET
fsr-3227	285	12	dichotomized	dichotomized	ADJ
fsr-3227	285	13	expression	expression	NOUN
fsr-3227	285	14	of	of	ADP
fsr-3227	285	15	patience	patience	NOUN
fsr-3227	285	16	in	in	ADP
fsr-3227	285	17	consumption	consumption	NOUN
fsr-3227	285	18	(	(	PUNCT
fsr-3227	285	19	1	1	NUM
fsr-3227	285	20	�	�	NOUN
fsr-3227	285	21	more	more	ADJ
fsr-3227	285	22	patient	patient	NOUN
fsr-3227	285	23	)	)	PUNCT
fsr-3227	285	24	.	.	PUNCT
fsr-3227	286	1	the	the	DET
fsr-3227	286	2	self	self	NOUN
fsr-3227	286	3	-	-	PUNCT
fsr-3227	286	4	reported	report	VERB
fsr-3227	286	5	highest	high	ADJ
fsr-3227	286	6	math	math	NOUN
fsr-3227	286	7	course	course	NOUN
fsr-3227	286	8	completed	complete	VERB
fsr-3227	286	9	is	be	AUX
fsr-3227	286	10	most	most	ADV
fsr-3227	286	11	strongly	strongly	ADV
fsr-3227	286	12	correlated	correlate	VERB
fsr-3227	286	13	with	with	ADP
fsr-3227	286	14	patience	patience	NOUN
fsr-3227	286	15	in	in	ADP
fsr-3227	286	16	consumption	consumption	NOUN
fsr-3227	286	17	(	(	PUNCT
fsr-3227	286	18	p	p	NOUN
fsr-3227	286	19	value	value	NOUN
fsr-3227	286	20	�	�	PROPN
fsr-3227	286	21	0.0004	0.0004	NUM
fsr-3227	286	22	)	)	PUNCT
fsr-3227	286	23	and	and	CCONJ
fsr-3227	286	24	the	the	DET
fsr-3227	286	25	group	group	NOUN
fsr-3227	286	26	ranking	ranking	NOUN
fsr-3227	286	27	based	base	VERB
fsr-3227	286	28	on	on	ADP
fsr-3227	286	29	the	the	DET
fsr-3227	286	30	math	math	NOUN
fsr-3227	286	31	quiz	quiz	PROPN
fsr-3227	286	32	score	score	NOUN
fsr-3227	286	33	is	be	AUX
fsr-3227	286	34	least	least	ADV
fsr-3227	286	35	correlated	correlate	VERB
fsr-3227	286	36	with	with	ADP
fsr-3227	286	37	patience	patience	NOUN
fsr-3227	286	38	table	table	NOUN
fsr-3227	286	39	2	2	NUM
fsr-3227	286	40	correlations	correlation	NOUN
fsr-3227	286	41	between	between	ADP
fsr-3227	286	42	numeracy	numeracy	NOUN
fsr-3227	286	43	measures	measure	NOUN
fsr-3227	286	44	ability	ability	NOUN
fsr-3227	286	45	math	math	NOUN
fsr-3227	286	46	level	level	NOUN
fsr-3227	286	47	group	group	NOUN
fsr-3227	286	48	patience	patience	NOUN
fsr-3227	286	49	cost	cost	NOUN
fsr-3227	286	50	fined	fine	VERB
fsr-3227	286	51	ability	ability	NOUN
fsr-3227	286	52	1.00	1.00	NUM
fsr-3227	287	1	0.43	0.43	NUM
fsr-3227	287	2	0.33	0.33	NUM
fsr-3227	287	3	0.13	0.13	NUM
fsr-3227	287	4	0.04	0.04	NUM
fsr-3227	287	5	�	�	NOUN
fsr-3227	287	6	0.06	0.06	NUM
fsr-3227	287	7	(	(	PUNCT
fsr-3227	287	8	�	�	NOUN
fsr-3227	287	9	.0001	.0001	NOUN
fsr-3227	287	10	)	)	PUNCT
fsr-3227	287	11	(	(	PUNCT
fsr-3227	287	12	�	�	NOUN
fsr-3227	287	13	.0001	.0001	NUM
fsr-3227	287	14	)	)	PUNCT
fsr-3227	287	15	(	(	PUNCT
fsr-3227	287	16	0.0046	0.0046	NUM
fsr-3227	287	17	)	)	PUNCT
fsr-3227	287	18	(	(	PUNCT
fsr-3227	287	19	0.3716	0.3716	NUM
fsr-3227	287	20	)	)	PUNCT
fsr-3227	287	21	(	(	PUNCT
fsr-3227	287	22	0.1928	0.1928	NUM
fsr-3227	287	23	)	)	PUNCT
fsr-3227	287	24	math	math	NOUN
fsr-3227	287	25	level	level	NOUN
fsr-3227	287	26	1.00	1.00	NUM
fsr-3227	287	27	0.19	0.19	NUM
fsr-3227	287	28	0.16	0.16	NUM
fsr-3227	287	29	0.08	0.08	NUM
fsr-3227	287	30	�	�	NOUN
fsr-3227	287	31	0.01	0.01	NUM
fsr-3227	287	32	(	(	PUNCT
fsr-3227	287	33	�	�	NOUN
fsr-3227	287	34	.0001	.0001	NOUN
fsr-3227	287	35	)	)	PUNCT
fsr-3227	287	36	(	(	PUNCT
fsr-3227	287	37	0.0004	0.0004	NUM
fsr-3227	287	38	)	)	PUNCT
fsr-3227	287	39	(	(	PUNCT
fsr-3227	287	40	0.0814	0.0814	NUM
fsr-3227	287	41	)	)	PUNCT
fsr-3227	287	42	(	(	PUNCT
fsr-3227	287	43	0.8056	0.8056	NUM
fsr-3227	287	44	)	)	PUNCT
fsr-3227	287	45	group	group	NOUN
fsr-3227	287	46	1.00	1.00	NUM
fsr-3227	287	47	0.10	0.10	NUM
fsr-3227	287	48	0.01	0.01	NUM
fsr-3227	287	49	�	�	NOUN
fsr-3227	287	50	0.02	0.02	NUM
fsr-3227	287	51	(	(	PUNCT
fsr-3227	287	52	0.0211	0.0211	NUM
fsr-3227	287	53	)	)	PUNCT
fsr-3227	287	54	(	(	PUNCT
fsr-3227	287	55	0.8318	0.8318	NUM
fsr-3227	287	56	)	)	PUNCT
fsr-3227	287	57	(	(	PUNCT
fsr-3227	287	58	0.7177	0.7177	NUM
fsr-3227	287	59	)	)	PUNCT
fsr-3227	287	60	patience	patience	NOUN
fsr-3227	287	61	1.00	1.00	NUM
fsr-3227	287	62	0.11	0.11	NUM
fsr-3227	287	63	�	�	NOUN
fsr-3227	287	64	0.01	0.01	NUM
fsr-3227	287	65	(	(	PUNCT
fsr-3227	287	66	0.0178	0.0178	NUM
fsr-3227	287	67	)	)	PUNCT
fsr-3227	287	68	(	(	PUNCT
fsr-3227	287	69	0.7983	0.7983	NUM
fsr-3227	287	70	)	)	PUNCT
fsr-3227	287	71	cost	cost	VERB
fsr-3227	287	72	1.00	1.00	NUM
fsr-3227	287	73	�	�	NOUN
fsr-3227	287	74	0.02	0.02	NUM
fsr-3227	287	75	(	(	PUNCT
fsr-3227	287	76	0.6480	0.6480	NOUN
fsr-3227	287	77	)	)	PUNCT
fsr-3227	287	78	fined	fine	VERB
fsr-3227	287	79	1.00	1.00	NUM
fsr-3227	287	80	note	note	NOUN
fsr-3227	287	81	:	:	PUNCT
fsr-3227	287	82	pearson	pearson	NOUN
fsr-3227	287	83	correlation	correlation	NOUN
fsr-3227	287	84	coefficients	coefficient	NOUN
fsr-3227	287	85	(	(	PUNCT
fsr-3227	287	86	p	p	NOUN
fsr-3227	287	87	values	value	NOUN
fsr-3227	287	88	)	)	PUNCT
fsr-3227	287	89	are	be	AUX
fsr-3227	287	90	presented	present	VERB
fsr-3227	287	91	in	in	ADP
fsr-3227	287	92	the	the	DET
fsr-3227	287	93	table	table	NOUN
fsr-3227	287	94	.	.	PUNCT
fsr-3227	288	1	ability	ability	NOUN
fsr-3227	288	2	is	be	AUX
fsr-3227	288	3	self	self	NOUN
fsr-3227	288	4	-	-	PUNCT
fsr-3227	288	5	reported	report	VERB
fsr-3227	288	6	math	math	NOUN
fsr-3227	288	7	ability	ability	NOUN
fsr-3227	288	8	measured	measure	VERB
fsr-3227	288	9	on	on	ADP
fsr-3227	288	10	a	a	DET
fsr-3227	288	11	5	5	NUM
fsr-3227	288	12	-	-	PUNCT
fsr-3227	288	13	point	point	NOUN
fsr-3227	288	14	scale	scale	NOUN
fsr-3227	288	15	(	(	PUNCT
fsr-3227	288	16	1	1	NUM
fsr-3227	288	17	�	�	NOUN
fsr-3227	288	18	bottom	bottom	ADJ
fsr-3227	288	19	10	10	NUM
fsr-3227	288	20	%	%	NOUN
fsr-3227	288	21	,	,	PUNCT
fsr-3227	288	22	5	5	NUM
fsr-3227	288	23	�	�	NOUN
fsr-3227	288	24	top	top	ADJ
fsr-3227	288	25	10	10	NUM
fsr-3227	288	26	%	%	NOUN
fsr-3227	288	27	)	)	PUNCT
fsr-3227	288	28	.	.	PUNCT
fsr-3227	289	1	math	math	NOUN
fsr-3227	289	2	level	level	NOUN
fsr-3227	289	3	is	be	AUX
fsr-3227	289	4	the	the	DET
fsr-3227	289	5	highest	high	ADJ
fsr-3227	289	6	level	level	NOUN
fsr-3227	289	7	of	of	ADP
fsr-3227	289	8	math	math	NOUN
fsr-3227	289	9	course	course	NOUN
fsr-3227	289	10	completed	complete	VERB
fsr-3227	289	11	.	.	PUNCT
fsr-3227	290	1	group	group	NOUN
fsr-3227	290	2	is	be	AUX
fsr-3227	290	3	the	the	DET
fsr-3227	290	4	group	group	NOUN
fsr-3227	290	5	based	base	VERB
fsr-3227	290	6	on	on	ADP
fsr-3227	290	7	the	the	DET
fsr-3227	290	8	score	score	NOUN
fsr-3227	290	9	on	on	ADP
fsr-3227	290	10	a	a	DET
fsr-3227	290	11	numeracy	numeracy	NOUN
fsr-3227	290	12	quiz	quiz	NOUN
fsr-3227	290	13	(	(	PUNCT
fsr-3227	290	14	1	1	NUM
fsr-3227	290	15	�	�	NOUN
fsr-3227	290	16	lowest	low	ADJ
fsr-3227	290	17	,	,	PUNCT
fsr-3227	290	18	4	4	NUM
fsr-3227	290	19	�	�	NOUN
fsr-3227	290	20	highest	high	ADJ
fsr-3227	290	21	)	)	PUNCT
fsr-3227	290	22	.	.	PUNCT
fsr-3227	291	1	patience	patience	NOUN
fsr-3227	291	2	is	be	AUX
fsr-3227	291	3	a	a	DET
fsr-3227	291	4	0–1	0–1	NOUN
fsr-3227	291	5	indicator	indicator	NOUN
fsr-3227	291	6	of	of	ADP
fsr-3227	291	7	the	the	DET
fsr-3227	291	8	rate	rate	NOUN
fsr-3227	291	9	of	of	ADP
fsr-3227	291	10	time	time	NOUN
fsr-3227	291	11	preference	preference	NOUN
fsr-3227	291	12	above	above	ADV
fsr-3227	291	13	(	(	PUNCT
fsr-3227	291	14	�	�	NOUN
fsr-3227	291	15	0	0	NUM
fsr-3227	291	16	)	)	PUNCT
fsr-3227	291	17	or	or	CCONJ
fsr-3227	291	18	below	below	ADP
fsr-3227	291	19	the	the	DET
fsr-3227	291	20	median	median	NOUN
fsr-3227	291	21	(	(	PUNCT
fsr-3227	291	22	�	�	PROPN
fsr-3227	291	23	1	1	NUM
fsr-3227	291	24	)	)	PUNCT
fsr-3227	291	25	based	base	VERB
fsr-3227	291	26	on	on	ADP
fsr-3227	291	27	responses	response	NOUN
fsr-3227	291	28	to	to	ADP
fsr-3227	291	29	the	the	DET
fsr-3227	291	30	corresponding	correspond	VERB
fsr-3227	291	31	survey	survey	NOUN
fsr-3227	291	32	question	question	NOUN
fsr-3227	291	33	.	.	PUNCT
fsr-3227	292	1	cost	cost	NOUN
fsr-3227	292	2	is	be	AUX
fsr-3227	292	3	an	an	DET
fsr-3227	292	4	indicator	indicator	NOUN
fsr-3227	292	5	of	of	ADP
fsr-3227	292	6	the	the	DET
fsr-3227	292	7	hours	hour	NOUN
fsr-3227	292	8	the	the	DET
fsr-3227	292	9	student	student	NOUN
fsr-3227	292	10	is	be	AUX
fsr-3227	292	11	willing	willing	ADJ
fsr-3227	292	12	to	to	PART
fsr-3227	292	13	commit	commit	VERB
fsr-3227	292	14	to	to	ADP
fsr-3227	292	15	personal	personal	ADJ
fsr-3227	292	16	finance	finance	NOUN
fsr-3227	292	17	education	education	NOUN
fsr-3227	292	18	while	while	SCONJ
fsr-3227	292	19	in	in	ADP
fsr-3227	292	20	college	college	NOUN
fsr-3227	292	21	based	base	VERB
fsr-3227	292	22	on	on	ADP
fsr-3227	292	23	a	a	DET
fsr-3227	292	24	7	7	NUM
fsr-3227	292	25	-	-	PUNCT
fsr-3227	292	26	point	point	NOUN
fsr-3227	292	27	scale	scale	NOUN
fsr-3227	292	28	(	(	PUNCT
fsr-3227	292	29	1	1	NUM
fsr-3227	292	30	�	�	PROPN
fsr-3227	292	31	0	0	NUM
fsr-3227	292	32	,	,	PUNCT
fsr-3227	292	33	7	7	NUM
fsr-3227	292	34	�	�	PROPN
fsr-3227	292	35	5	5	NUM
fsr-3227	292	36	�	�	PROPN
fsr-3227	292	37	)	)	PUNCT
fsr-3227	292	38	.	.	PUNCT
fsr-3227	293	1	fined	fine	VERB
fsr-3227	293	2	is	be	AUX
fsr-3227	293	3	a	a	DET
fsr-3227	293	4	0–1	0–1	NOUN
fsr-3227	293	5	indicator	indicator	NOUN
fsr-3227	293	6	of	of	ADP
fsr-3227	293	7	prior	prior	ADJ
fsr-3227	293	8	financial	financial	ADJ
fsr-3227	293	9	education	education	NOUN
fsr-3227	293	10	(	(	PUNCT
fsr-3227	293	11	1	1	NUM
fsr-3227	293	12	�	�	PROPN
fsr-3227	293	13	no	no	NOUN
fsr-3227	293	14	)	)	PUNCT
fsr-3227	293	15	.	.	PUNCT
fsr-3227	294	1	363c	363c	NOUN
fsr-3227	294	2	.	.	PUNCT
fsr-3227	295	1	harrington	harrington	PROPN
fsr-3227	295	2	,	,	PUNCT
fsr-3227	295	3	w.	w.	PROPN
fsr-3227	295	4	smith	smith	PROPN
fsr-3227	295	5	/	/	SYM
fsr-3227	295	6	financial	financial	ADJ
fsr-3227	295	7	services	service	NOUN
fsr-3227	295	8	review	review	VERB
fsr-3227	295	9	25	25	NUM
fsr-3227	295	10	(	(	PUNCT
fsr-3227	295	11	2016	2016	NUM
fsr-3227	295	12	)	)	PUNCT
fsr-3227	296	1	351–372	351–372	NUM
fsr-3227	296	2	(	(	PUNCT
fsr-3227	296	3	p	p	NOUN
fsr-3227	296	4	value	value	NOUN
fsr-3227	296	5	�	�	NOUN
fsr-3227	296	6	0.0211	0.0211	NUM
fsr-3227	296	7	)	)	PUNCT
fsr-3227	296	8	.	.	PUNCT
fsr-3227	297	1	the	the	DET
fsr-3227	297	2	numerical	numerical	ADJ
fsr-3227	297	3	ability	ability	NOUN
fsr-3227	297	4	measures	measure	NOUN
fsr-3227	297	5	,	,	PUNCT
fsr-3227	297	6	time	time	NOUN
fsr-3227	297	7	cost	cost	NOUN
fsr-3227	297	8	,	,	PUNCT
fsr-3227	297	9	and	and	CCONJ
fsr-3227	297	10	prior	prior	ADJ
fsr-3227	297	11	financial	financial	ADJ
fsr-3227	297	12	education	education	NOUN
fsr-3227	297	13	are	be	AUX
fsr-3227	297	14	not	not	PART
fsr-3227	297	15	correlated	correlate	VERB
fsr-3227	297	16	with	with	ADP
fsr-3227	297	17	each	each	DET
fsr-3227	297	18	other	other	ADJ
fsr-3227	297	19	.	.	PUNCT
fsr-3227	298	1	in	in	ADP
fsr-3227	298	2	untabulated	untabulated	ADJ
fsr-3227	298	3	results	result	NOUN
fsr-3227	298	4	,	,	PUNCT
fsr-3227	298	5	the	the	DET
fsr-3227	298	6	alternate	alternate	ADJ
fsr-3227	298	7	measures	measure	NOUN
fsr-3227	298	8	of	of	ADP
fsr-3227	298	9	income	income	NOUN
fsr-3227	298	10	are	be	AUX
fsr-3227	298	11	significantly	significantly	ADV
fsr-3227	298	12	correlated	correlate	VERB
fsr-3227	298	13	.	.	PUNCT
fsr-3227	299	1	income	income	NOUN
fsr-3227	299	2	is	be	AUX
fsr-3227	299	3	positively	positively	ADV
fsr-3227	299	4	associated	associate	VERB
fsr-3227	299	5	with	with	ADP
fsr-3227	299	6	working	working	NOUN
fsr-3227	299	7	and	and	CCONJ
fsr-3227	299	8	college	college	NOUN
fsr-3227	299	9	level	level	NOUN
fsr-3227	299	10	.	.	PUNCT
fsr-3227	300	1	working	working	NOUN
fsr-3227	300	2	is	be	AUX
fsr-3227	300	3	also	also	ADV
fsr-3227	300	4	significantly	significantly	ADV
fsr-3227	300	5	positively	positively	ADV
fsr-3227	300	6	correlated	correlate	VERB
fsr-3227	300	7	with	with	ADP
fsr-3227	300	8	having	have	VERB
fsr-3227	300	9	a	a	DET
fsr-3227	300	10	credit	credit	NOUN
fsr-3227	300	11	card	card	NOUN
fsr-3227	300	12	and	and	CCONJ
fsr-3227	300	13	nonstudent	nonstudent	NOUN
fsr-3227	300	14	loan	loan	NOUN
fsr-3227	300	15	debt	debt	NOUN
fsr-3227	300	16	as	as	ADV
fsr-3227	300	17	well	well	ADV
fsr-3227	300	18	as	as	ADP
fsr-3227	300	19	paying	pay	VERB
fsr-3227	300	20	a	a	DET
fsr-3227	300	21	higher	high	ADJ
fsr-3227	300	22	percentage	percentage	NOUN
fsr-3227	300	23	of	of	ADP
fsr-3227	300	24	living	living	NOUN
fsr-3227	300	25	expenses	expense	NOUN
fsr-3227	300	26	.	.	PUNCT
fsr-3227	301	1	the	the	DET
fsr-3227	301	2	correlations	correlation	NOUN
fsr-3227	301	3	also	also	ADV
fsr-3227	301	4	indicate	indicate	VERB
fsr-3227	301	5	gender	gender	NOUN
fsr-3227	301	6	differences	difference	NOUN
fsr-3227	301	7	with	with	ADP
fsr-3227	301	8	respect	respect	NOUN
fsr-3227	301	9	to	to	ADP
fsr-3227	301	10	income	income	NOUN
fsr-3227	301	11	,	,	PUNCT
fsr-3227	301	12	time	time	NOUN
fsr-3227	301	13	cost	cost	NOUN
fsr-3227	301	14	,	,	PUNCT
fsr-3227	301	15	prior	prior	ADJ
fsr-3227	301	16	financial	financial	ADJ
fsr-3227	301	17	education	education	NOUN
fsr-3227	301	18	,	,	PUNCT
fsr-3227	301	19	and	and	CCONJ
fsr-3227	301	20	math	math	NOUN
fsr-3227	301	21	ability	ability	NOUN
fsr-3227	301	22	.	.	PUNCT
fsr-3227	302	1	females	female	NOUN
fsr-3227	302	2	are	be	AUX
fsr-3227	302	3	more	more	ADV
fsr-3227	302	4	likely	likely	ADJ
fsr-3227	302	5	to	to	PART
fsr-3227	302	6	work	work	VERB
fsr-3227	302	7	part	part	NOUN
fsr-3227	302	8	time	time	NOUN
fsr-3227	302	9	,	,	PUNCT
fsr-3227	302	10	have	have	VERB
fsr-3227	302	11	lower	low	ADJ
fsr-3227	302	12	income	income	NOUN
fsr-3227	302	13	,	,	PUNCT
fsr-3227	302	14	and	and	CCONJ
fsr-3227	302	15	have	have	VERB
fsr-3227	302	16	student	student	NOUN
fsr-3227	302	17	loans	loan	NOUN
fsr-3227	302	18	.	.	PUNCT
fsr-3227	303	1	males	male	NOUN
fsr-3227	303	2	are	be	AUX
fsr-3227	303	3	willing	willing	ADJ
fsr-3227	303	4	to	to	PART
fsr-3227	303	5	spend	spend	VERB
fsr-3227	303	6	more	more	ADJ
fsr-3227	303	7	time	time	NOUN
fsr-3227	303	8	investing	invest	VERB
fsr-3227	303	9	in	in	ADP
fsr-3227	303	10	personal	personal	ADJ
fsr-3227	303	11	finance	finance	NOUN
fsr-3227	303	12	education	education	NOUN
fsr-3227	303	13	and	and	CCONJ
fsr-3227	303	14	have	have	VERB
fsr-3227	303	15	more	more	ADJ
fsr-3227	303	16	prior	prior	ADJ
fsr-3227	303	17	financial	financial	ADJ
fsr-3227	303	18	education	education	NOUN
fsr-3227	303	19	.	.	PUNCT
fsr-3227	304	1	males	male	NOUN
fsr-3227	304	2	also	also	ADV
fsr-3227	304	3	have	have	VERB
fsr-3227	304	4	higher	high	ADJ
fsr-3227	304	5	math	math	NOUN
fsr-3227	304	6	ability	ability	NOUN
fsr-3227	304	7	as	as	SCONJ
fsr-3227	304	8	measured	measure	VERB
fsr-3227	304	9	by	by	ADP
fsr-3227	304	10	self	self	NOUN
fsr-3227	304	11	-	-	PUNCT
fsr-3227	304	12	reported	report	VERB
fsr-3227	304	13	ability	ability	NOUN
fsr-3227	304	14	and	and	CCONJ
fsr-3227	304	15	the	the	DET
fsr-3227	304	16	score	score	NOUN
fsr-3227	304	17	on	on	ADP
fsr-3227	304	18	the	the	DET
fsr-3227	304	19	math	math	NOUN
fsr-3227	304	20	quiz	quiz	NOUN
fsr-3227	304	21	.	.	PUNCT
fsr-3227	305	1	5	5	X
fsr-3227	305	2	.	.	PUNCT
fsr-3227	305	3	empirical	empirical	ADJ
fsr-3227	305	4	method	method	NOUN
fsr-3227	305	5	following	follow	VERB
fsr-3227	305	6	jappelli	jappelli	PROPN
fsr-3227	305	7	and	and	CCONJ
fsr-3227	305	8	padula	padula	NOUN
fsr-3227	305	9	(	(	PUNCT
fsr-3227	305	10	2013	2013	NUM
fsr-3227	305	11	)	)	PUNCT
fsr-3227	305	12	,	,	PUNCT
fsr-3227	305	13	we	we	PRON
fsr-3227	305	14	model	model	VERB
fsr-3227	305	15	college	college	NOUN
fsr-3227	305	16	student	student	NOUN
fsr-3227	305	17	demand	demand	NOUN
fsr-3227	305	18	(	(	PUNCT
fsr-3227	305	19	d	d	NOUN
fsr-3227	305	20	)	)	PUNCT
fsr-3227	305	21	for	for	ADP
fsr-3227	305	22	personal	personal	ADJ
fsr-3227	305	23	finance	finance	NOUN
fsr-3227	305	24	education	education	NOUN
fsr-3227	305	25	as	as	ADP
fsr-3227	305	26	a	a	DET
fsr-3227	305	27	function	function	NOUN
fsr-3227	305	28	of	of	ADP
fsr-3227	305	29	income	income	NOUN
fsr-3227	305	30	,	,	PUNCT
fsr-3227	305	31	patience	patience	NOUN
fsr-3227	305	32	in	in	ADP
fsr-3227	305	33	consumption	consumption	NOUN
fsr-3227	305	34	(	(	PUNCT
fsr-3227	305	35	patience	patience	NOUN
fsr-3227	305	36	)	)	PUNCT
fsr-3227	305	37	,	,	PUNCT
fsr-3227	305	38	cost	cost	NOUN
fsr-3227	305	39	of	of	ADP
fsr-3227	305	40	acquiring	acquire	VERB
fsr-3227	305	41	financial	financial	ADJ
fsr-3227	305	42	education	education	NOUN
fsr-3227	305	43	(	(	PUNCT
fsr-3227	305	44	cost	cost	NOUN
fsr-3227	305	45	)	)	PUNCT
fsr-3227	305	46	,	,	PUNCT
fsr-3227	305	47	the	the	DET
fsr-3227	305	48	initial	initial	ADJ
fsr-3227	305	49	stock	stock	NOUN
fsr-3227	305	50	of	of	ADP
fsr-3227	305	51	financial	financial	ADJ
fsr-3227	305	52	literacy	literacy	NOUN
fsr-3227	305	53	(	(	PUNCT
fsr-3227	305	54	stock	stock	NOUN
fsr-3227	305	55	)	)	PUNCT
fsr-3227	305	56	,	,	PUNCT
fsr-3227	305	57	perceived	perceive	VERB
fsr-3227	305	58	return	return	NOUN
fsr-3227	305	59	on	on	ADP
fsr-3227	305	60	financial	financial	ADJ
fsr-3227	305	61	education	education	NOUN
fsr-3227	305	62	(	(	PUNCT
fsr-3227	305	63	return	return	NOUN
fsr-3227	305	64	)	)	PUNCT
fsr-3227	305	65	,	,	PUNCT
fsr-3227	305	66	and	and	CCONJ
fsr-3227	305	67	the	the	DET
fsr-3227	305	68	existence	existence	NOUN
fsr-3227	305	69	of	of	ADP
fsr-3227	305	70	a	a	DET
fsr-3227	305	71	financial	financial	ADJ
fsr-3227	305	72	safety	safety	NOUN
fsr-3227	305	73	net	net	NOUN
fsr-3227	305	74	(	(	PUNCT
fsr-3227	305	75	net	net	NOUN
fsr-3227	305	76	)	)	PUNCT
fsr-3227	305	77	.	.	PUNCT
fsr-3227	306	1	gender	gender	NOUN
fsr-3227	306	2	(	(	PUNCT
fsr-3227	306	3	gen	gen	PROPN
fsr-3227	306	4	)	)	PUNCT
fsr-3227	306	5	is	be	AUX
fsr-3227	306	6	included	include	VERB
fsr-3227	306	7	as	as	ADP
fsr-3227	306	8	an	an	DET
fsr-3227	306	9	experimental	experimental	ADJ
fsr-3227	306	10	variable	variable	NOUN
fsr-3227	306	11	.	.	PUNCT
fsr-3227	307	1	the	the	DET
fsr-3227	307	2	regression	regression	NOUN
fsr-3227	307	3	function	function	NOUN
fsr-3227	307	4	is	be	AUX
fsr-3227	307	5	:	:	PUNCT
fsr-3227	307	6	dj	dj	X
fsr-3227	307	7	�	�	PROPN
fsr-3227	307	8	b0	b0	PROPN
fsr-3227	307	9	�	�	PROPN
fsr-3227	307	10	b1	b1	PROPN
fsr-3227	307	11	incomej	incomej	PROPN
fsr-3227	307	12	�	�	PROPN
fsr-3227	307	13	b2	b2	PROPN
fsr-3227	307	14	patiencej	patiencej	NOUN
fsr-3227	307	15	�	�	PROPN
fsr-3227	307	16	b3	b3	PROPN
fsr-3227	307	17	costj	costj	NOUN
fsr-3227	307	18	�	�	PROPN
fsr-3227	307	19	b4	b4	PROPN
fsr-3227	307	20	stockj	stockj	NOUN
fsr-3227	307	21	�	�	PROPN
fsr-3227	307	22	b5	b5	PROPN
fsr-3227	307	23	returnj	returnj	PROPN
fsr-3227	307	24	�	�	PROPN
fsr-3227	307	25	b6	b6	PROPN
fsr-3227	307	26	netj	netj	PROPN
fsr-3227	307	27	�	�	PROPN
fsr-3227	307	28	b7	b7	PROPN
fsr-3227	307	29	genj	genj	PROPN
fsr-3227	307	30	�	�	PROPN
fsr-3227	307	31	ej	ej	PROPN
fsr-3227	307	32	(	(	PUNCT
fsr-3227	307	33	1	1	X
fsr-3227	307	34	)	)	PUNCT
fsr-3227	307	35	we	we	PRON
fsr-3227	307	36	first	first	ADV
fsr-3227	307	37	examine	examine	VERB
fsr-3227	307	38	student	student	NOUN
fsr-3227	307	39	demand	demand	NOUN
fsr-3227	307	40	for	for	ADP
fsr-3227	307	41	learning	learn	VERB
fsr-3227	307	42	about	about	ADP
fsr-3227	307	43	all	all	DET
fsr-3227	307	44	personal	personal	ADJ
fsr-3227	307	45	finance	finance	NOUN
fsr-3227	307	46	topics	topic	NOUN
fsr-3227	307	47	(	(	PUNCT
fsr-3227	307	48	collectively	collectively	ADV
fsr-3227	307	49	)	)	PUNCT
fsr-3227	307	50	while	while	SCONJ
fsr-3227	307	51	in	in	ADP
fsr-3227	307	52	college	college	NOUN
fsr-3227	307	53	as	as	ADP
fsr-3227	307	54	the	the	DET
fsr-3227	307	55	response	response	NOUN
fsr-3227	307	56	on	on	ADP
fsr-3227	307	57	a	a	DET
fsr-3227	307	58	7	7	NUM
fsr-3227	307	59	-	-	PUNCT
fsr-3227	307	60	point	point	NOUN
fsr-3227	307	61	scale	scale	NOUN
fsr-3227	307	62	(	(	PUNCT
fsr-3227	307	63	1	1	NUM
fsr-3227	307	64	�	�	PROPN
fsr-3227	307	65	strongly	strongly	ADV
fsr-3227	307	66	disagree	disagree	VERB
fsr-3227	307	67	,	,	PUNCT
fsr-3227	307	68	7	7	NUM
fsr-3227	307	69	�	�	NOUN
fsr-3227	307	70	strongly	strongly	ADV
fsr-3227	307	71	agree	agree	VERB
fsr-3227	307	72	)	)	PUNCT
fsr-3227	307	73	.	.	PUNCT
fsr-3227	308	1	income	income	NOUN
fsr-3227	308	2	is	be	AUX
fsr-3227	308	3	measured	measure	VERB
fsr-3227	308	4	as	as	ADP
fsr-3227	308	5	the	the	DET
fsr-3227	308	6	student	student	NOUN
fsr-3227	308	7	’s	’s	PART
fsr-3227	308	8	stated	state	VERB
fsr-3227	308	9	income	income	NOUN
fsr-3227	308	10	range	range	NOUN
fsr-3227	308	11	because	because	SCONJ
fsr-3227	308	12	this	this	PRON
fsr-3227	308	13	is	be	AUX
fsr-3227	308	14	the	the	DET
fsr-3227	308	15	most	most	ADV
fsr-3227	308	16	direct	direct	ADJ
fsr-3227	308	17	measure	measure	NOUN
fsr-3227	308	18	of	of	ADP
fsr-3227	308	19	income	income	NOUN
fsr-3227	308	20	from	from	ADP
fsr-3227	308	21	the	the	DET
fsr-3227	308	22	survey	survey	NOUN
fsr-3227	308	23	.	.	PUNCT
fsr-3227	309	1	employment	employment	NOUN
fsr-3227	309	2	status	status	NOUN
fsr-3227	309	3	(	(	PUNCT
fsr-3227	309	4	part	part	NOUN
fsr-3227	309	5	-	-	PUNCT
fsr-3227	309	6	time	time	NOUN
fsr-3227	309	7	,	,	PUNCT
fsr-3227	309	8	full	full	ADJ
fsr-3227	309	9	-	-	PUNCT
fsr-3227	309	10	time	time	NOUN
fsr-3227	309	11	,	,	PUNCT
fsr-3227	309	12	and	and	CCONJ
fsr-3227	309	13	not	not	PART
fsr-3227	309	14	working	work	VERB
fsr-3227	309	15	)	)	PUNCT
fsr-3227	309	16	and	and	CCONJ
fsr-3227	309	17	college	college	NOUN
fsr-3227	309	18	level	level	NOUN
fsr-3227	309	19	are	be	AUX
fsr-3227	309	20	used	use	VERB
fsr-3227	309	21	for	for	ADP
fsr-3227	309	22	robustness	robustness	NOUN
fsr-3227	309	23	.	.	PUNCT
fsr-3227	310	1	patience	patience	NOUN
fsr-3227	310	2	in	in	ADP
fsr-3227	310	3	consumption	consumption	NOUN
fsr-3227	310	4	is	be	AUX
fsr-3227	310	5	the	the	DET
fsr-3227	310	6	0–1	0–1	PROPN
fsr-3227	310	7	variable	variable	NOUN
fsr-3227	310	8	created	create	VERB
fsr-3227	310	9	to	to	PART
fsr-3227	310	10	represent	represent	VERB
fsr-3227	310	11	discount	discount	NOUN
fsr-3227	310	12	rates	rate	NOUN
fsr-3227	310	13	above	above	ADP
fsr-3227	310	14	(	(	PUNCT
fsr-3227	310	15	�	�	NOUN
fsr-3227	310	16	0	0	NUM
fsr-3227	310	17	)	)	PUNCT
fsr-3227	310	18	and	and	CCONJ
fsr-3227	310	19	below	below	ADP
fsr-3227	310	20	the	the	DET
fsr-3227	310	21	median	median	NOUN
fsr-3227	310	22	(	(	PUNCT
fsr-3227	310	23	�	�	PROPN
fsr-3227	310	24	1	1	NUM
fsr-3227	310	25	)	)	PUNCT
fsr-3227	310	26	,	,	PUNCT
fsr-3227	310	27	where	where	SCONJ
fsr-3227	310	28	1	1	NUM
fsr-3227	310	29	represents	represent	VERB
fsr-3227	310	30	relatively	relatively	ADV
fsr-3227	310	31	more	more	ADJ
fsr-3227	310	32	patience	patience	NOUN
fsr-3227	310	33	in	in	ADP
fsr-3227	310	34	consumption	consumption	NOUN
fsr-3227	310	35	.	.	PUNCT
fsr-3227	311	1	cost	cost	NOUN
fsr-3227	311	2	is	be	AUX
fsr-3227	311	3	measured	measure	VERB
fsr-3227	311	4	as	as	ADP
fsr-3227	311	5	the	the	DET
fsr-3227	311	6	time	time	NOUN
fsr-3227	311	7	the	the	DET
fsr-3227	311	8	student	student	NOUN
fsr-3227	311	9	is	be	AUX
fsr-3227	311	10	willing	willing	ADJ
fsr-3227	311	11	to	to	PART
fsr-3227	311	12	spend	spend	VERB
fsr-3227	311	13	to	to	PART
fsr-3227	311	14	learn	learn	VERB
fsr-3227	311	15	about	about	ADP
fsr-3227	311	16	personal	personal	ADJ
fsr-3227	311	17	finance	finance	NOUN
fsr-3227	311	18	topics	topic	NOUN
fsr-3227	311	19	,	,	PUNCT
fsr-3227	311	20	where	where	SCONJ
fsr-3227	311	21	a	a	DET
fsr-3227	311	22	low	low	ADJ
fsr-3227	311	23	number	number	NOUN
fsr-3227	311	24	represents	represent	VERB
fsr-3227	311	25	a	a	DET
fsr-3227	311	26	high	high	ADJ
fsr-3227	311	27	time	time	NOUN
fsr-3227	311	28	cost	cost	NOUN
fsr-3227	311	29	.	.	PUNCT
fsr-3227	312	1	the	the	DET
fsr-3227	312	2	initial	initial	ADJ
fsr-3227	312	3	stock	stock	NOUN
fsr-3227	312	4	of	of	ADP
fsr-3227	312	5	financial	financial	ADJ
fsr-3227	312	6	literacy	literacy	NOUN
fsr-3227	312	7	is	be	AUX
fsr-3227	312	8	an	an	DET
fsr-3227	312	9	indicator	indicator	NOUN
fsr-3227	312	10	of	of	ADP
fsr-3227	312	11	having	have	VERB
fsr-3227	312	12	nonstudent	nonstudent	NOUN
fsr-3227	312	13	loan	loan	NOUN
fsr-3227	312	14	debt	debt	NOUN
fsr-3227	312	15	(	(	PUNCT
fsr-3227	312	16	�	�	PROPN
fsr-3227	312	17	1	1	NUM
fsr-3227	312	18	,	,	PUNCT
fsr-3227	312	19	0	0	NUM
fsr-3227	312	20	otherwise	otherwise	ADV
fsr-3227	312	21	)	)	PUNCT
fsr-3227	312	22	.	.	PUNCT
fsr-3227	313	1	for	for	ADP
fsr-3227	313	2	robustness	robustness	NOUN
fsr-3227	313	3	,	,	PUNCT
fsr-3227	313	4	prior	prior	ADJ
fsr-3227	313	5	financial	financial	ADJ
fsr-3227	313	6	education	education	NOUN
fsr-3227	313	7	is	be	AUX
fsr-3227	313	8	the	the	DET
fsr-3227	313	9	alternative	alternative	ADJ
fsr-3227	313	10	measure	measure	NOUN
fsr-3227	313	11	of	of	ADP
fsr-3227	313	12	the	the	DET
fsr-3227	313	13	initial	initial	ADJ
fsr-3227	313	14	stock	stock	NOUN
fsr-3227	313	15	of	of	ADP
fsr-3227	313	16	financial	financial	ADJ
fsr-3227	313	17	literacy	literacy	NOUN
fsr-3227	313	18	.	.	PUNCT
fsr-3227	314	1	because	because	SCONJ
fsr-3227	314	2	the	the	DET
fsr-3227	314	3	majority	majority	NOUN
fsr-3227	314	4	of	of	ADP
fsr-3227	314	5	students	student	NOUN
fsr-3227	314	6	in	in	ADP
fsr-3227	314	7	the	the	DET
fsr-3227	314	8	sample	sample	NOUN
fsr-3227	314	9	do	do	AUX
fsr-3227	314	10	not	not	PART
fsr-3227	314	11	have	have	VERB
fsr-3227	314	12	prior	prior	ADJ
fsr-3227	314	13	financial	financial	ADJ
fsr-3227	314	14	education	education	NOUN
fsr-3227	314	15	,	,	PUNCT
fsr-3227	314	16	this	this	DET
fsr-3227	314	17	variable	variable	NOUN
fsr-3227	314	18	equals	equal	VERB
fsr-3227	314	19	one	one	NUM
fsr-3227	314	20	if	if	SCONJ
fsr-3227	314	21	the	the	DET
fsr-3227	314	22	student	student	NOUN
fsr-3227	314	23	does	do	AUX
fsr-3227	314	24	not	not	PART
fsr-3227	314	25	have	have	VERB
fsr-3227	314	26	prior	prior	ADJ
fsr-3227	314	27	financial	financial	ADJ
fsr-3227	314	28	education	education	NOUN
fsr-3227	314	29	.	.	PUNCT
fsr-3227	315	1	return	return	NOUN
fsr-3227	315	2	is	be	AUX
fsr-3227	315	3	the	the	DET
fsr-3227	315	4	response	response	NOUN
fsr-3227	315	5	to	to	ADP
fsr-3227	315	6	the	the	DET
fsr-3227	315	7	perceived	perceive	VERB
fsr-3227	315	8	return	return	NOUN
fsr-3227	315	9	to	to	ADP
fsr-3227	315	10	studying	study	VERB
fsr-3227	315	11	personal	personal	ADJ
fsr-3227	315	12	finance	finance	NOUN
fsr-3227	315	13	while	while	SCONJ
fsr-3227	315	14	in	in	ADP
fsr-3227	315	15	college	college	NOUN
fsr-3227	315	16	,	,	PUNCT
fsr-3227	315	17	where	where	SCONJ
fsr-3227	315	18	higher	high	ADJ
fsr-3227	315	19	responses	response	NOUN
fsr-3227	315	20	indicate	indicate	VERB
fsr-3227	315	21	greater	great	ADJ
fsr-3227	315	22	perceived	perceive	VERB
fsr-3227	315	23	returns	return	NOUN
fsr-3227	315	24	.	.	PUNCT
fsr-3227	316	1	the	the	DET
fsr-3227	316	2	financial	financial	ADJ
fsr-3227	316	3	safety	safety	NOUN
fsr-3227	316	4	net	net	NOUN
fsr-3227	316	5	is	be	AUX
fsr-3227	316	6	measured	measure	VERB
fsr-3227	316	7	as	as	ADP
fsr-3227	316	8	a	a	DET
fsr-3227	316	9	categorical	categorical	ADJ
fsr-3227	316	10	variable	variable	NOUN
fsr-3227	316	11	corresponding	correspond	VERB
fsr-3227	316	12	to	to	ADP
fsr-3227	316	13	the	the	DET
fsr-3227	316	14	percentage	percentage	NOUN
fsr-3227	316	15	of	of	ADP
fsr-3227	316	16	living	living	NOUN
fsr-3227	316	17	expenses	expense	NOUN
fsr-3227	316	18	paid	pay	VERB
fsr-3227	316	19	by	by	ADP
fsr-3227	316	20	the	the	DET
fsr-3227	316	21	student	student	NOUN
fsr-3227	316	22	and	and	CCONJ
fsr-3227	316	23	represents	represent	VERB
fsr-3227	316	24	the	the	DET
fsr-3227	316	25	degree	degree	NOUN
fsr-3227	316	26	of	of	ADP
fsr-3227	316	27	financial	financial	ADJ
fsr-3227	316	28	responsibility	responsibility	NOUN
fsr-3227	316	29	.	.	PUNCT
fsr-3227	317	1	gender	gender	NOUN
fsr-3227	317	2	is	be	AUX
fsr-3227	317	3	equal	equal	ADJ
fsr-3227	317	4	to	to	ADP
fsr-3227	317	5	1	1	NUM
fsr-3227	317	6	if	if	SCONJ
fsr-3227	317	7	the	the	DET
fsr-3227	317	8	student	student	NOUN
fsr-3227	317	9	is	be	AUX
fsr-3227	317	10	female	female	ADJ
fsr-3227	317	11	.	.	PUNCT
fsr-3227	318	1	as	as	SCONJ
fsr-3227	318	2	defined	define	VERB
fsr-3227	318	3	in	in	ADP
fsr-3227	318	4	eq	eq	ADP
fsr-3227	318	5	.	.	PUNCT
fsr-3227	319	1	(	(	PUNCT
fsr-3227	319	2	1	1	NUM
fsr-3227	319	3	)	)	PUNCT
fsr-3227	319	4	,	,	PUNCT
fsr-3227	319	5	the	the	DET
fsr-3227	319	6	demand	demand	NOUN
fsr-3227	319	7	for	for	ADP
fsr-3227	319	8	learning	learn	VERB
fsr-3227	319	9	about	about	ADP
fsr-3227	319	10	personal	personal	ADJ
fsr-3227	319	11	finance	finance	NOUN
fsr-3227	319	12	topics	topic	NOUN
fsr-3227	319	13	is	be	AUX
fsr-3227	319	14	expected	expect	VERB
fsr-3227	319	15	to	to	PART
fsr-3227	319	16	increase	increase	VERB
fsr-3227	319	17	in	in	ADP
fsr-3227	319	18	income	income	NOUN
fsr-3227	319	19	,	,	PUNCT
fsr-3227	319	20	patience	patience	NOUN
fsr-3227	319	21	in	in	ADP
fsr-3227	319	22	consumption	consumption	NOUN
fsr-3227	319	23	,	,	PUNCT
fsr-3227	319	24	time	time	NOUN
fsr-3227	319	25	the	the	DET
fsr-3227	319	26	student	student	NOUN
fsr-3227	319	27	is	be	AUX
fsr-3227	319	28	willing	willing	ADJ
fsr-3227	319	29	to	to	PART
fsr-3227	319	30	spend	spend	VERB
fsr-3227	319	31	,	,	PUNCT
fsr-3227	319	32	perceived	perceive	VERB
fsr-3227	319	33	return	return	NOUN
fsr-3227	319	34	,	,	PUNCT
fsr-3227	319	35	and	and	CCONJ
fsr-3227	319	36	the	the	DET
fsr-3227	319	37	percentage	percentage	NOUN
fsr-3227	319	38	of	of	ADP
fsr-3227	319	39	living	living	NOUN
fsr-3227	319	40	expenses	expense	NOUN
fsr-3227	319	41	paid	pay	VERB
fsr-3227	319	42	by	by	ADP
fsr-3227	319	43	the	the	DET
fsr-3227	319	44	student	student	NOUN
fsr-3227	319	45	.	.	PUNCT
fsr-3227	320	1	the	the	DET
fsr-3227	320	2	relationship	relationship	NOUN
fsr-3227	320	3	364	364	NUM
fsr-3227	320	4	c.	c.	PROPN
fsr-3227	320	5	harrington	harrington	PROPN
fsr-3227	320	6	,	,	PUNCT
fsr-3227	320	7	w.	w.	PROPN
fsr-3227	320	8	smith	smith	PROPN
fsr-3227	320	9	/	/	SYM
fsr-3227	320	10	financial	financial	ADJ
fsr-3227	320	11	services	service	NOUN
fsr-3227	320	12	review	review	VERB
fsr-3227	320	13	25	25	NUM
fsr-3227	320	14	(	(	PUNCT
fsr-3227	320	15	2016	2016	NUM
fsr-3227	320	16	)	)	PUNCT
fsr-3227	321	1	351–372	351–372	NUM
fsr-3227	321	2	between	between	ADP
fsr-3227	321	3	demand	demand	NOUN
fsr-3227	321	4	and	and	CCONJ
fsr-3227	321	5	the	the	DET
fsr-3227	321	6	initial	initial	ADJ
fsr-3227	321	7	stock	stock	NOUN
fsr-3227	321	8	of	of	ADP
fsr-3227	321	9	financial	financial	ADJ
fsr-3227	321	10	literacy	literacy	NOUN
fsr-3227	321	11	is	be	AUX
fsr-3227	321	12	a	a	DET
fsr-3227	321	13	priori	priori	ADV
fsr-3227	321	14	ambiguous	ambiguous	ADJ
fsr-3227	321	15	.	.	PUNCT
fsr-3227	322	1	prior	prior	ADJ
fsr-3227	322	2	studies	study	NOUN
fsr-3227	322	3	indicate	indicate	VERB
fsr-3227	322	4	that	that	SCONJ
fsr-3227	322	5	gender	gender	NOUN
fsr-3227	322	6	is	be	AUX
fsr-3227	322	7	correlated	correlate	VERB
fsr-3227	322	8	with	with	ADP
fsr-3227	322	9	interest	interest	NOUN
fsr-3227	322	10	in	in	ADP
fsr-3227	322	11	financial	financial	ADJ
fsr-3227	322	12	education	education	NOUN
fsr-3227	322	13	.	.	PUNCT
fsr-3227	323	1	however	however	ADV
fsr-3227	323	2	,	,	PUNCT
fsr-3227	323	3	we	we	PRON
fsr-3227	323	4	do	do	AUX
fsr-3227	323	5	not	not	PART
fsr-3227	323	6	have	have	VERB
fsr-3227	323	7	a	a	DET
fsr-3227	323	8	theoretical	theoretical	ADJ
fsr-3227	323	9	basis	basis	NOUN
fsr-3227	323	10	for	for	ADP
fsr-3227	323	11	expecting	expect	VERB
fsr-3227	323	12	gender	gender	NOUN
fsr-3227	323	13	to	to	PART
fsr-3227	323	14	influence	influence	VERB
fsr-3227	323	15	demand	demand	NOUN
fsr-3227	323	16	in	in	ADP
fsr-3227	323	17	any	any	DET
fsr-3227	323	18	way	way	NOUN
fsr-3227	323	19	and	and	CCONJ
fsr-3227	323	20	therefore	therefore	ADV
fsr-3227	323	21	do	do	AUX
fsr-3227	323	22	not	not	PART
fsr-3227	323	23	make	make	VERB
fsr-3227	323	24	a	a	DET
fsr-3227	323	25	prediction	prediction	NOUN
fsr-3227	323	26	for	for	ADP
fsr-3227	323	27	this	this	DET
fsr-3227	323	28	variable	variable	NOUN
fsr-3227	323	29	.	.	PUNCT
fsr-3227	324	1	numerical	numerical	ADJ
fsr-3227	324	2	ability	ability	NOUN
fsr-3227	324	3	is	be	AUX
fsr-3227	324	4	hypothesized	hypothesize	VERB
fsr-3227	324	5	to	to	PART
fsr-3227	324	6	be	be	AUX
fsr-3227	324	7	correlated	correlate	VERB
fsr-3227	324	8	with	with	ADP
fsr-3227	324	9	patience	patience	NOUN
fsr-3227	324	10	in	in	ADP
fsr-3227	324	11	consumption	consumption	NOUN
fsr-3227	324	12	,	,	PUNCT
fsr-3227	324	13	cost	cost	NOUN
fsr-3227	324	14	of	of	ADP
fsr-3227	324	15	acquiring	acquire	VERB
fsr-3227	324	16	financial	financial	ADJ
fsr-3227	324	17	literacy	literacy	NOUN
fsr-3227	324	18	,	,	PUNCT
fsr-3227	324	19	and	and	CCONJ
fsr-3227	324	20	the	the	DET
fsr-3227	324	21	initial	initial	ADJ
fsr-3227	324	22	stock	stock	NOUN
fsr-3227	324	23	of	of	ADP
fsr-3227	324	24	financial	financial	ADJ
fsr-3227	324	25	literacy	literacy	NOUN
fsr-3227	324	26	.	.	PUNCT
fsr-3227	325	1	we	we	PRON
fsr-3227	325	2	test	test	VERB
fsr-3227	325	3	this	this	DET
fsr-3227	325	4	hypothesis	hypothesis	NOUN
fsr-3227	325	5	by	by	ADP
fsr-3227	325	6	substituting	substitute	VERB
fsr-3227	325	7	a	a	DET
fsr-3227	325	8	measure	measure	NOUN
fsr-3227	325	9	of	of	ADP
fsr-3227	325	10	math	math	NOUN
fsr-3227	325	11	ability	ability	NOUN
fsr-3227	325	12	for	for	ADP
fsr-3227	325	13	these	these	DET
fsr-3227	325	14	variables	variable	NOUN
fsr-3227	325	15	.	.	PUNCT
fsr-3227	326	1	however	however	ADV
fsr-3227	326	2	,	,	PUNCT
fsr-3227	326	3	the	the	DET
fsr-3227	326	4	expected	expect	VERB
fsr-3227	326	5	influence	influence	NOUN
fsr-3227	326	6	of	of	ADP
fsr-3227	326	7	math	math	NOUN
fsr-3227	326	8	ability	ability	NOUN
fsr-3227	326	9	is	be	AUX
fsr-3227	326	10	a	a	DET
fsr-3227	326	11	priori	priori	ADV
fsr-3227	326	12	ambiguous	ambiguous	ADJ
fsr-3227	326	13	given	give	VERB
fsr-3227	326	14	the	the	DET
fsr-3227	326	15	predicted	predict	VERB
fsr-3227	326	16	signs	sign	NOUN
fsr-3227	326	17	for	for	ADP
fsr-3227	326	18	patience	patience	NOUN
fsr-3227	326	19	,	,	PUNCT
fsr-3227	326	20	cost	cost	NOUN
fsr-3227	326	21	,	,	PUNCT
fsr-3227	326	22	and	and	CCONJ
fsr-3227	326	23	stock	stock	NOUN
fsr-3227	326	24	.	.	PUNCT
fsr-3227	327	1	the	the	DET
fsr-3227	327	2	regression	regression	NOUN
fsr-3227	327	3	function	function	NOUN
fsr-3227	327	4	is	be	AUX
fsr-3227	327	5	:	:	PUNCT
fsr-3227	327	6	dj	dj	X
fsr-3227	327	7	�	�	PROPN
fsr-3227	327	8	b0	b0	PROPN
fsr-3227	327	9	�	�	PROPN
fsr-3227	327	10	b1	b1	PROPN
fsr-3227	327	11	incomej	incomej	PROPN
fsr-3227	327	12	�	�	PROPN
fsr-3227	327	13	b2	b2	PROPN
fsr-3227	327	14	returnj	returnj	NOUN
fsr-3227	327	15	�	�	PROPN
fsr-3227	327	16	b3	b3	PROPN
fsr-3227	327	17	netj	netj	PROPN
fsr-3227	327	18	�	�	PROPN
fsr-3227	327	19	b4	b4	PROPN
fsr-3227	327	20	genj	genj	PROPN
fsr-3227	327	21	�	�	PROPN
fsr-3227	327	22	b5	b5	PROPN
fsr-3227	327	23	mathj	mathj	VERB
fsr-3227	327	24	�	�	PROPN
fsr-3227	327	25	ej	ej	PROPN
fsr-3227	327	26	(	(	PUNCT
fsr-3227	327	27	2	2	NUM
fsr-3227	327	28	)	)	PUNCT
fsr-3227	327	29	because	because	SCONJ
fsr-3227	327	30	the	the	DET
fsr-3227	327	31	dependent	dependent	ADJ
fsr-3227	327	32	variables	variable	NOUN
fsr-3227	327	33	are	be	AUX
fsr-3227	327	34	categorical	categorical	ADJ
fsr-3227	327	35	in	in	ADP
fsr-3227	327	36	eqs	eqs	PROPN
fsr-3227	327	37	.	.	PUNCT
fsr-3227	328	1	(	(	PUNCT
fsr-3227	328	2	1	1	X
fsr-3227	328	3	)	)	PUNCT
fsr-3227	328	4	and	and	CCONJ
fsr-3227	328	5	(	(	PUNCT
fsr-3227	328	6	2	2	NUM
fsr-3227	328	7	)	)	PUNCT
fsr-3227	328	8	,	,	PUNCT
fsr-3227	328	9	coefficient	coefficient	NOUN
fsr-3227	328	10	estimates	estimate	NOUN
fsr-3227	328	11	are	be	AUX
fsr-3227	328	12	calculated	calculate	VERB
fsr-3227	328	13	via	via	ADP
fsr-3227	328	14	logistic	logistic	ADJ
fsr-3227	328	15	regressions	regression	NOUN
fsr-3227	328	16	of	of	ADP
fsr-3227	328	17	demand	demand	NOUN
fsr-3227	328	18	on	on	ADP
fsr-3227	328	19	the	the	DET
fsr-3227	328	20	hypothesized	hypothesized	ADJ
fsr-3227	328	21	explanatory	explanatory	ADJ
fsr-3227	328	22	variables	variable	NOUN
fsr-3227	328	23	.	.	PUNCT
fsr-3227	329	1	estimates	estimate	NOUN
fsr-3227	329	2	are	be	AUX
fsr-3227	329	3	with	with	ADP
fsr-3227	329	4	respect	respect	NOUN
fsr-3227	329	5	to	to	ADP
fsr-3227	329	6	the	the	DET
fsr-3227	329	7	highest	high	ADJ
fsr-3227	329	8	response	response	NOUN
fsr-3227	329	9	measure	measure	NOUN
fsr-3227	329	10	(	(	PUNCT
fsr-3227	329	11	strongly	strongly	ADV
fsr-3227	329	12	agree	agree	VERB
fsr-3227	329	13	)	)	PUNCT
fsr-3227	329	14	,	,	PUNCT
fsr-3227	329	15	capturing	capture	VERB
fsr-3227	329	16	the	the	DET
fsr-3227	329	17	influence	influence	NOUN
fsr-3227	329	18	of	of	ADP
fsr-3227	329	19	the	the	DET
fsr-3227	329	20	explanatory	explanatory	ADJ
fsr-3227	329	21	variables	variable	NOUN
fsr-3227	329	22	on	on	ADP
fsr-3227	329	23	being	be	AUX
fsr-3227	329	24	highly	highly	ADV
fsr-3227	329	25	interested	interested	ADJ
fsr-3227	329	26	in	in	ADP
fsr-3227	329	27	personal	personal	ADJ
fsr-3227	329	28	finance	finance	NOUN
fsr-3227	329	29	education	education	NOUN
fsr-3227	329	30	while	while	SCONJ
fsr-3227	329	31	in	in	ADP
fsr-3227	329	32	college	college	NOUN
fsr-3227	329	33	.	.	PUNCT
fsr-3227	330	1	6	6	X
fsr-3227	330	2	.	.	X
fsr-3227	330	3	results	result	VERB
fsr-3227	330	4	6.1	6.1	NUM
fsr-3227	330	5	.	.	PUNCT
fsr-3227	331	1	demand	demand	NOUN
fsr-3227	331	2	for	for	ADP
fsr-3227	331	3	all	all	DET
fsr-3227	331	4	personal	personal	ADJ
fsr-3227	331	5	finance	finance	NOUN
fsr-3227	331	6	topics	topic	NOUN
fsr-3227	331	7	regression	regression	VERB
fsr-3227	331	8	results	result	NOUN
fsr-3227	331	9	for	for	ADP
fsr-3227	331	10	interest	interest	NOUN
fsr-3227	331	11	in	in	ADP
fsr-3227	331	12	learning	learn	VERB
fsr-3227	331	13	about	about	ADP
fsr-3227	331	14	all	all	DET
fsr-3227	331	15	personal	personal	ADJ
fsr-3227	331	16	finance	finance	NOUN
fsr-3227	331	17	topics	topic	NOUN
fsr-3227	331	18	are	be	AUX
fsr-3227	331	19	in	in	ADP
fsr-3227	331	20	table	table	NOUN
fsr-3227	331	21	3	3	NUM
fsr-3227	331	22	.	.	PUNCT
fsr-3227	332	1	the	the	DET
fsr-3227	332	2	results	result	NOUN
fsr-3227	332	3	from	from	ADP
fsr-3227	332	4	estimating	estimate	VERB
fsr-3227	332	5	eq	eq	ADP
fsr-3227	332	6	.	.	PUNCT
fsr-3227	333	1	(	(	PUNCT
fsr-3227	333	2	1	1	X
fsr-3227	333	3	)	)	PUNCT
fsr-3227	333	4	are	be	AUX
fsr-3227	333	5	in	in	ADP
fsr-3227	333	6	model	model	NOUN
fsr-3227	333	7	1	1	NUM
fsr-3227	333	8	with	with	ADP
fsr-3227	333	9	a	a	DET
fsr-3227	333	10	pseudo	pseudo	NOUN
fsr-3227	333	11	r2	r2	NOUN
fsr-3227	333	12	of	of	ADP
fsr-3227	333	13	39	39	NUM
fsr-3227	333	14	%	%	NOUN
fsr-3227	333	15	.	.	PUNCT
fsr-3227	334	1	income	income	NOUN
fsr-3227	334	2	and	and	CCONJ
fsr-3227	334	3	patience	patience	NOUN
fsr-3227	334	4	in	in	ADP
fsr-3227	334	5	consumption	consumption	NOUN
fsr-3227	334	6	are	be	AUX
fsr-3227	334	7	statistically	statistically	ADV
fsr-3227	334	8	insignificant	insignificant	ADJ
fsr-3227	334	9	.	.	PUNCT
fsr-3227	335	1	time	time	NOUN
fsr-3227	335	2	cost	cost	NOUN
fsr-3227	335	3	is	be	AUX
fsr-3227	335	4	highly	highly	ADV
fsr-3227	335	5	significant	significant	ADJ
fsr-3227	335	6	with	with	ADP
fsr-3227	335	7	the	the	DET
fsr-3227	335	8	predicted	predict	VERB
fsr-3227	335	9	sign	sign	NOUN
fsr-3227	335	10	(	(	PUNCT
fsr-3227	335	11	p	p	NOUN
fsr-3227	335	12	value	value	NOUN
fsr-3227	335	13	�	�	PROPN
fsr-3227	335	14	0.0001	0.0001	NUM
fsr-3227	335	15	)	)	PUNCT
fsr-3227	335	16	,	,	PUNCT
fsr-3227	335	17	supporting	support	VERB
fsr-3227	335	18	the	the	DET
fsr-3227	335	19	hypothesis	hypothesis	NOUN
fsr-3227	335	20	that	that	PRON
fsr-3227	335	21	students	student	NOUN
fsr-3227	335	22	with	with	ADP
fsr-3227	335	23	a	a	DET
fsr-3227	335	24	higher	high	ADJ
fsr-3227	335	25	perceived	perceive	VERB
fsr-3227	335	26	time	time	NOUN
fsr-3227	335	27	cost	cost	NOUN
fsr-3227	335	28	will	will	AUX
fsr-3227	335	29	have	have	VERB
fsr-3227	335	30	lower	low	ADJ
fsr-3227	335	31	demand	demand	NOUN
fsr-3227	335	32	for	for	ADP
fsr-3227	335	33	personal	personal	ADJ
fsr-3227	335	34	finance	finance	NOUN
fsr-3227	335	35	education	education	NOUN
fsr-3227	335	36	.	.	PUNCT
fsr-3227	336	1	the	the	DET
fsr-3227	336	2	initial	initial	ADJ
fsr-3227	336	3	stock	stock	NOUN
fsr-3227	336	4	of	of	ADP
fsr-3227	336	5	financial	financial	ADJ
fsr-3227	336	6	literacy	literacy	NOUN
fsr-3227	336	7	(	(	PUNCT
fsr-3227	336	8	measured	measure	VERB
fsr-3227	336	9	by	by	ADP
fsr-3227	336	10	having	have	VERB
fsr-3227	336	11	nonstudent	nonstudent	NOUN
fsr-3227	336	12	loan	loan	NOUN
fsr-3227	336	13	debt	debt	NOUN
fsr-3227	336	14	)	)	PUNCT
fsr-3227	336	15	is	be	AUX
fsr-3227	336	16	positively	positively	ADV
fsr-3227	336	17	related	relate	VERB
fsr-3227	336	18	but	but	CCONJ
fsr-3227	336	19	marginally	marginally	ADV
fsr-3227	336	20	significant	significant	ADJ
fsr-3227	336	21	to	to	PART
fsr-3227	336	22	demand	demand	VERB
fsr-3227	336	23	(	(	PUNCT
fsr-3227	336	24	p	p	NOUN
fsr-3227	336	25	value	value	NOUN
fsr-3227	336	26	�	�	PROPN
fsr-3227	336	27	0.0231	0.0231	NUM
fsr-3227	336	28	)	)	PUNCT
fsr-3227	336	29	.	.	PUNCT
fsr-3227	337	1	the	the	DET
fsr-3227	337	2	coefficient	coefficient	NOUN
fsr-3227	337	3	estimate	estimate	NOUN
fsr-3227	337	4	for	for	ADP
fsr-3227	337	5	return	return	NOUN
fsr-3227	337	6	is	be	AUX
fsr-3227	337	7	positive	positive	ADJ
fsr-3227	337	8	and	and	CCONJ
fsr-3227	337	9	highly	highly	ADV
fsr-3227	337	10	significant	significant	ADJ
fsr-3227	337	11	(	(	PUNCT
fsr-3227	337	12	p	p	NOUN
fsr-3227	337	13	value	value	NOUN
fsr-3227	337	14	�	�	PROPN
fsr-3227	337	15	0.0001	0.0001	NUM
fsr-3227	337	16	)	)	PUNCT
fsr-3227	337	17	,	,	PUNCT
fsr-3227	337	18	supporting	support	VERB
fsr-3227	337	19	the	the	DET
fsr-3227	337	20	idea	idea	NOUN
fsr-3227	337	21	that	that	SCONJ
fsr-3227	337	22	students	student	NOUN
fsr-3227	337	23	with	with	ADP
fsr-3227	337	24	a	a	DET
fsr-3227	337	25	higher	high	ADJ
fsr-3227	337	26	perceived	perceive	VERB
fsr-3227	337	27	return	return	NOUN
fsr-3227	337	28	from	from	ADP
fsr-3227	337	29	financial	financial	ADJ
fsr-3227	337	30	education	education	NOUN
fsr-3227	337	31	demand	demand	NOUN
fsr-3227	337	32	more	more	ADJ
fsr-3227	337	33	financial	financial	ADJ
fsr-3227	337	34	education	education	NOUN
fsr-3227	337	35	.	.	PUNCT
fsr-3227	338	1	financial	financial	ADJ
fsr-3227	338	2	independence	independence	NOUN
fsr-3227	338	3	is	be	AUX
fsr-3227	338	4	positive	positive	ADJ
fsr-3227	338	5	and	and	CCONJ
fsr-3227	338	6	significant	significant	ADJ
fsr-3227	338	7	as	as	SCONJ
fsr-3227	338	8	predicted	predict	VERB
fsr-3227	338	9	(	(	PUNCT
fsr-3227	338	10	p	p	NOUN
fsr-3227	338	11	value	value	NOUN
fsr-3227	338	12	�	�	PROPN
fsr-3227	338	13	0.0048	0.0048	NUM
fsr-3227	338	14	)	)	PUNCT
fsr-3227	338	15	.	.	PUNCT
fsr-3227	339	1	finally	finally	ADV
fsr-3227	339	2	,	,	PUNCT
fsr-3227	339	3	gender	gender	NOUN
fsr-3227	339	4	contributes	contribute	VERB
fsr-3227	339	5	a	a	DET
fsr-3227	339	6	small	small	ADJ
fsr-3227	339	7	amount	amount	NOUN
fsr-3227	339	8	of	of	ADP
fsr-3227	339	9	explanatory	explanatory	ADJ
fsr-3227	339	10	power	power	NOUN
fsr-3227	339	11	to	to	PART
fsr-3227	339	12	demand	demand	VERB
fsr-3227	339	13	(	(	PUNCT
fsr-3227	339	14	p	p	NOUN
fsr-3227	339	15	value	value	NOUN
fsr-3227	339	16	�	�	PROPN
fsr-3227	339	17	0.0129	0.0129	NUM
fsr-3227	339	18	)	)	PUNCT
fsr-3227	339	19	,	,	PUNCT
fsr-3227	339	20	where	where	SCONJ
fsr-3227	339	21	female	female	ADJ
fsr-3227	339	22	students	student	NOUN
fsr-3227	339	23	are	be	AUX
fsr-3227	339	24	marginally	marginally	ADV
fsr-3227	339	25	more	more	ADV
fsr-3227	339	26	interested	interested	ADJ
fsr-3227	339	27	in	in	ADP
fsr-3227	339	28	all	all	DET
fsr-3227	339	29	personal	personal	ADJ
fsr-3227	339	30	finance	finance	NOUN
fsr-3227	339	31	topics	topic	NOUN
fsr-3227	339	32	while	while	SCONJ
fsr-3227	339	33	in	in	ADP
fsr-3227	339	34	college	college	NOUN
fsr-3227	339	35	.	.	PUNCT
fsr-3227	340	1	eq	eq	ADJ
fsr-3227	340	2	.	.	PUNCT
fsr-3227	341	1	(	(	PUNCT
fsr-3227	341	2	1	1	X
fsr-3227	341	3	)	)	PUNCT
fsr-3227	341	4	is	be	AUX
fsr-3227	341	5	estimated	estimate	VERB
fsr-3227	341	6	using	use	VERB
fsr-3227	341	7	alternative	alternative	ADJ
fsr-3227	341	8	explanatory	explanatory	ADJ
fsr-3227	341	9	variable	variable	ADJ
fsr-3227	341	10	definitions	definition	NOUN
fsr-3227	341	11	where	where	SCONJ
fsr-3227	341	12	available	available	ADJ
fsr-3227	341	13	(	(	PUNCT
fsr-3227	341	14	not	not	PART
fsr-3227	341	15	tabulated	tabulate	VERB
fsr-3227	341	16	)	)	PUNCT
fsr-3227	341	17	.	.	PUNCT
fsr-3227	342	1	income	income	NOUN
fsr-3227	342	2	is	be	AUX
fsr-3227	342	3	alternatively	alternatively	ADV
fsr-3227	342	4	defined	define	VERB
fsr-3227	342	5	as	as	ADP
fsr-3227	342	6	employment	employment	NOUN
fsr-3227	342	7	status	status	NOUN
fsr-3227	342	8	and	and	CCONJ
fsr-3227	342	9	level	level	NOUN
fsr-3227	342	10	in	in	ADP
fsr-3227	342	11	college	college	NOUN
fsr-3227	342	12	.	.	PUNCT
fsr-3227	343	1	neither	neither	DET
fsr-3227	343	2	alternative	alternative	ADJ
fsr-3227	343	3	income	income	NOUN
fsr-3227	343	4	measure	measure	NOUN
fsr-3227	343	5	is	be	AUX
fsr-3227	343	6	significant	significant	ADJ
fsr-3227	343	7	to	to	ADP
fsr-3227	343	8	the	the	DET
fsr-3227	343	9	demand	demand	NOUN
fsr-3227	343	10	for	for	ADP
fsr-3227	343	11	all	all	DET
fsr-3227	343	12	personal	personal	ADJ
fsr-3227	343	13	finance	finance	NOUN
fsr-3227	343	14	topics	topic	NOUN
fsr-3227	343	15	while	while	SCONJ
fsr-3227	343	16	in	in	ADP
fsr-3227	343	17	college	college	NOUN
fsr-3227	343	18	.	.	PUNCT
fsr-3227	344	1	the	the	DET
fsr-3227	344	2	income	income	NOUN
fsr-3227	344	3	measures	measure	NOUN
fsr-3227	344	4	are	be	AUX
fsr-3227	344	5	correlated	correlate	VERB
fsr-3227	344	6	with	with	ADP
fsr-3227	344	7	the	the	DET
fsr-3227	344	8	percentage	percentage	NOUN
fsr-3227	344	9	of	of	ADP
fsr-3227	344	10	living	living	NOUN
fsr-3227	344	11	expenses	expense	NOUN
fsr-3227	344	12	paid	pay	VERB
fsr-3227	344	13	by	by	ADP
fsr-3227	344	14	the	the	DET
fsr-3227	344	15	student	student	NOUN
fsr-3227	344	16	.	.	PUNCT
fsr-3227	345	1	dropping	drop	VERB
fsr-3227	345	2	an	an	DET
fsr-3227	345	3	income	income	NOUN
fsr-3227	345	4	measure	measure	NOUN
fsr-3227	345	5	(	(	PUNCT
fsr-3227	345	6	however	however	ADV
fsr-3227	345	7	defined	define	VERB
fsr-3227	345	8	)	)	PUNCT
fsr-3227	345	9	from	from	ADP
fsr-3227	345	10	the	the	DET
fsr-3227	345	11	regression	regression	NOUN
fsr-3227	345	12	does	do	AUX
fsr-3227	345	13	not	not	PART
fsr-3227	345	14	change	change	VERB
fsr-3227	345	15	the	the	DET
fsr-3227	345	16	statistical	statistical	ADJ
fsr-3227	345	17	significance	significance	NOUN
fsr-3227	345	18	of	of	ADP
fsr-3227	345	19	the	the	DET
fsr-3227	345	20	financial	financial	ADJ
fsr-3227	345	21	independence	independence	NOUN
fsr-3227	345	22	variable	variable	NOUN
fsr-3227	345	23	.	.	PUNCT
fsr-3227	346	1	prior	prior	ADJ
fsr-3227	346	2	financial	financial	ADJ
fsr-3227	346	3	education	education	NOUN
fsr-3227	346	4	is	be	AUX
fsr-3227	346	5	an	an	DET
fsr-3227	346	6	alternate	alternate	ADJ
fsr-3227	346	7	measure	measure	NOUN
fsr-3227	346	8	of	of	ADP
fsr-3227	346	9	the	the	DET
fsr-3227	346	10	initial	initial	ADJ
fsr-3227	346	11	stock	stock	NOUN
fsr-3227	346	12	of	of	ADP
fsr-3227	346	13	financial	financial	ADJ
fsr-3227	346	14	literacy	literacy	NOUN
fsr-3227	346	15	but	but	CCONJ
fsr-3227	346	16	is	be	AUX
fsr-3227	346	17	not	not	PART
fsr-3227	346	18	significant	significant	ADJ
fsr-3227	346	19	to	to	ADP
fsr-3227	346	20	the	the	DET
fsr-3227	346	21	demand	demand	NOUN
fsr-3227	346	22	for	for	ADP
fsr-3227	346	23	all	all	DET
fsr-3227	346	24	personal	personal	ADJ
fsr-3227	346	25	finance	finance	NOUN
fsr-3227	346	26	topics	topic	NOUN
fsr-3227	346	27	.	.	PUNCT
fsr-3227	347	1	we	we	PRON
fsr-3227	347	2	also	also	ADV
fsr-3227	347	3	drop	drop	VERB
fsr-3227	347	4	the	the	DET
fsr-3227	347	5	dichotomous	dichotomous	ADJ
fsr-3227	347	6	definition	definition	NOUN
fsr-3227	347	7	of	of	ADP
fsr-3227	347	8	patience	patience	NOUN
fsr-3227	347	9	in	in	ADP
fsr-3227	347	10	consumption	consumption	NOUN
fsr-3227	347	11	and	and	CCONJ
fsr-3227	347	12	use	use	VERB
fsr-3227	347	13	its	its	PRON
fsr-3227	347	14	continuous	continuous	ADJ
fsr-3227	347	15	version	version	NOUN
fsr-3227	347	16	but	but	CCONJ
fsr-3227	347	17	this	this	DET
fsr-3227	347	18	variable	variable	NOUN
fsr-3227	347	19	remains	remain	VERB
fsr-3227	347	20	insignificant	insignificant	ADJ
fsr-3227	347	21	.	.	PUNCT
fsr-3227	348	1	365c	365c	PROPN
fsr-3227	348	2	.	.	PUNCT
fsr-3227	348	3	harrington	harrington	PROPN
fsr-3227	348	4	,	,	PUNCT
fsr-3227	348	5	w.	w.	PROPN
fsr-3227	348	6	smith	smith	PROPN
fsr-3227	348	7	/	/	SYM
fsr-3227	348	8	financial	financial	ADJ
fsr-3227	348	9	services	service	NOUN
fsr-3227	348	10	review	review	VERB
fsr-3227	348	11	25	25	NUM
fsr-3227	348	12	(	(	PUNCT
fsr-3227	348	13	2016	2016	NUM
fsr-3227	348	14	)	)	PUNCT
fsr-3227	349	1	351–372	351–372	NUM
fsr-3227	349	2	sample	sample	NOUN
fsr-3227	349	3	results	result	NOUN
fsr-3227	349	4	for	for	ADP
fsr-3227	349	5	the	the	DET
fsr-3227	349	6	dependent	dependent	ADJ
fsr-3227	349	7	variable	variable	NOUN
fsr-3227	349	8	in	in	ADP
fsr-3227	349	9	eq	eq	ADP
fsr-3227	349	10	.	.	PUNCT
fsr-3227	350	1	(	(	PUNCT
fsr-3227	350	2	1	1	X
fsr-3227	350	3	)	)	PUNCT
fsr-3227	350	4	have	have	VERB
fsr-3227	350	5	relatively	relatively	ADV
fsr-3227	350	6	few	few	ADJ
fsr-3227	350	7	responses	response	NOUN
fsr-3227	350	8	for	for	ADP
fsr-3227	350	9	the	the	DET
fsr-3227	350	10	strongly	strongly	ADV
fsr-3227	350	11	disagree	disagree	VERB
fsr-3227	350	12	and	and	CCONJ
fsr-3227	350	13	disagree	disagree	VERB
fsr-3227	350	14	categories	category	NOUN
fsr-3227	350	15	.	.	PUNCT
fsr-3227	351	1	these	these	DET
fsr-3227	351	2	responses	response	NOUN
fsr-3227	351	3	are	be	AUX
fsr-3227	351	4	collapsed	collapse	VERB
fsr-3227	351	5	into	into	ADP
fsr-3227	351	6	a	a	DET
fsr-3227	351	7	single	single	ADJ
fsr-3227	351	8	category	category	NOUN
fsr-3227	351	9	and	and	CCONJ
fsr-3227	351	10	eq	eq	NOUN
fsr-3227	351	11	.	.	PUNCT
fsr-3227	352	1	(	(	PUNCT
fsr-3227	352	2	1	1	X
fsr-3227	352	3	)	)	PUNCT
fsr-3227	352	4	is	be	AUX
fsr-3227	352	5	re	re	VERB
fsr-3227	352	6	-	-	VERB
fsr-3227	352	7	estimated	estimate	VERB
fsr-3227	352	8	as	as	ADP
fsr-3227	352	9	a	a	DET
fsr-3227	352	10	robustness	robustness	NOUN
fsr-3227	352	11	check	check	NOUN
fsr-3227	352	12	.	.	PUNCT
fsr-3227	353	1	the	the	DET
fsr-3227	353	2	results	result	NOUN
fsr-3227	353	3	,	,	PUNCT
fsr-3227	353	4	represented	represent	VERB
fsr-3227	353	5	as	as	ADP
fsr-3227	353	6	model	model	NOUN
fsr-3227	353	7	2	2	NUM
fsr-3227	353	8	in	in	ADP
fsr-3227	353	9	table	table	NOUN
fsr-3227	353	10	3	3	NUM
fsr-3227	353	11	,	,	PUNCT
fsr-3227	353	12	suggest	suggest	VERB
fsr-3227	353	13	that	that	SCONJ
fsr-3227	353	14	the	the	DET
fsr-3227	353	15	estimates	estimate	NOUN
fsr-3227	353	16	are	be	AUX
fsr-3227	353	17	not	not	PART
fsr-3227	353	18	sensitive	sensitive	ADJ
fsr-3227	353	19	to	to	ADP
fsr-3227	353	20	the	the	DET
fsr-3227	353	21	inclusion	inclusion	NOUN
fsr-3227	353	22	of	of	ADP
fsr-3227	353	23	relatively	relatively	ADV
fsr-3227	353	24	few	few	ADJ
fsr-3227	353	25	responses	response	NOUN
fsr-3227	353	26	for	for	ADP
fsr-3227	353	27	the	the	DET
fsr-3227	353	28	two	two	NUM
fsr-3227	353	29	categories	category	NOUN
fsr-3227	353	30	.	.	PUNCT
fsr-3227	354	1	model	model	NOUN
fsr-3227	354	2	3	3	NUM
fsr-3227	354	3	in	in	ADP
fsr-3227	354	4	table	table	NOUN
fsr-3227	354	5	3	3	NUM
fsr-3227	354	6	gives	give	VERB
fsr-3227	354	7	the	the	DET
fsr-3227	354	8	regression	regression	NOUN
fsr-3227	354	9	results	result	NOUN
fsr-3227	354	10	for	for	ADP
fsr-3227	354	11	eq	eq	NOUN
fsr-3227	354	12	.	.	PUNCT
fsr-3227	355	1	(	(	PUNCT
fsr-3227	355	2	2	2	NUM
fsr-3227	355	3	)	)	PUNCT
fsr-3227	355	4	.	.	PUNCT
fsr-3227	356	1	demand	demand	NOUN
fsr-3227	356	2	for	for	ADP
fsr-3227	356	3	all	all	DET
fsr-3227	356	4	personal	personal	ADJ
fsr-3227	356	5	finance	finance	NOUN
fsr-3227	356	6	topics	topic	NOUN
fsr-3227	356	7	is	be	AUX
fsr-3227	356	8	regressed	regress	VERB
fsr-3227	356	9	on	on	ADP
fsr-3227	356	10	each	each	DET
fsr-3227	356	11	alternative	alternative	ADJ
fsr-3227	356	12	measure	measure	NOUN
fsr-3227	356	13	of	of	ADP
fsr-3227	356	14	math	math	NOUN
fsr-3227	356	15	ability	ability	NOUN
fsr-3227	356	16	(	(	PUNCT
fsr-3227	356	17	self	self	NOUN
fsr-3227	356	18	-	-	PUNCT
fsr-3227	356	19	reported	report	VERB
fsr-3227	356	20	ability	ability	NOUN
fsr-3227	356	21	,	,	PUNCT
fsr-3227	356	22	highest	high	ADJ
fsr-3227	356	23	level	level	NOUN
fsr-3227	356	24	of	of	ADP
fsr-3227	356	25	math	math	NOUN
fsr-3227	356	26	course	course	NOUN
fsr-3227	356	27	completed	complete	VERB
fsr-3227	356	28	,	,	PUNCT
fsr-3227	356	29	and	and	CCONJ
fsr-3227	356	30	the	the	DET
fsr-3227	356	31	score	score	NOUN
fsr-3227	356	32	from	from	ADP
fsr-3227	356	33	the	the	DET
fsr-3227	356	34	numeracy	numeracy	NOUN
fsr-3227	356	35	quiz	quiz	NOUN
fsr-3227	356	36	)	)	PUNCT
fsr-3227	356	37	.	.	PUNCT
fsr-3227	357	1	the	the	DET
fsr-3227	357	2	results	result	NOUN
fsr-3227	357	3	using	use	VERB
fsr-3227	357	4	self	self	NOUN
fsr-3227	357	5	-	-	PUNCT
fsr-3227	357	6	report	report	NOUN
fsr-3227	357	7	math	math	NOUN
fsr-3227	357	8	ability	ability	NOUN
fsr-3227	357	9	are	be	AUX
fsr-3227	357	10	shown	show	VERB
fsr-3227	357	11	in	in	ADP
fsr-3227	357	12	the	the	DET
fsr-3227	357	13	table	table	NOUN
fsr-3227	357	14	.	.	PUNCT
fsr-3227	358	1	none	none	NOUN
fsr-3227	358	2	of	of	ADP
fsr-3227	358	3	the	the	DET
fsr-3227	358	4	math	math	NOUN
fsr-3227	358	5	ability	ability	NOUN
fsr-3227	358	6	measures	measure	NOUN
fsr-3227	358	7	is	be	AUX
fsr-3227	358	8	significant	significant	ADJ
fsr-3227	358	9	to	to	PART
fsr-3227	358	10	demand	demand	VERB
fsr-3227	358	11	for	for	ADP
fsr-3227	358	12	all	all	DET
fsr-3227	358	13	personal	personal	ADJ
fsr-3227	358	14	finance	finance	NOUN
fsr-3227	358	15	topics	topic	NOUN
fsr-3227	358	16	.	.	PUNCT
fsr-3227	359	1	further	far	ADV
fsr-3227	359	2	,	,	PUNCT
fsr-3227	359	3	the	the	DET
fsr-3227	359	4	results	result	NOUN
fsr-3227	359	5	from	from	ADP
fsr-3227	359	6	eq	eq	ADP
fsr-3227	359	7	.	.	PUNCT
fsr-3227	360	1	(	(	PUNCT
fsr-3227	360	2	1	1	X
fsr-3227	360	3	)	)	PUNCT
fsr-3227	360	4	are	be	AUX
fsr-3227	360	5	not	not	PART
fsr-3227	360	6	sensitive	sensitive	ADJ
fsr-3227	360	7	to	to	ADP
fsr-3227	360	8	the	the	DET
fsr-3227	360	9	substitution	substitution	NOUN
fsr-3227	360	10	of	of	ADP
fsr-3227	360	11	math	math	NOUN
fsr-3227	360	12	ability	ability	NOUN
fsr-3227	360	13	for	for	ADP
fsr-3227	360	14	patience	patience	NOUN
fsr-3227	360	15	in	in	ADP
fsr-3227	360	16	consumption	consumption	NOUN
fsr-3227	360	17	,	,	PUNCT
fsr-3227	360	18	cost	cost	NOUN
fsr-3227	360	19	,	,	PUNCT
fsr-3227	360	20	and	and	CCONJ
fsr-3227	360	21	the	the	DET
fsr-3227	360	22	initial	initial	ADJ
fsr-3227	360	23	stock	stock	NOUN
fsr-3227	360	24	of	of	ADP
fsr-3227	360	25	financial	financial	ADJ
fsr-3227	360	26	literacy	literacy	NOUN
fsr-3227	360	27	except	except	SCONJ
fsr-3227	360	28	for	for	ADP
fsr-3227	360	29	gender	gender	NOUN
fsr-3227	360	30	.	.	PUNCT
fsr-3227	361	1	gender	gender	NOUN
fsr-3227	361	2	in	in	ADP
fsr-3227	361	3	eq	eq	ADP
fsr-3227	361	4	.	.	PUNCT
fsr-3227	362	1	(	(	PUNCT
fsr-3227	362	2	2	2	X
fsr-3227	362	3	)	)	PUNCT
fsr-3227	362	4	is	be	AUX
fsr-3227	362	5	insignificant	insignificant	ADJ
fsr-3227	362	6	to	to	ADP
fsr-3227	362	7	the	the	DET
fsr-3227	362	8	demand	demand	NOUN
fsr-3227	362	9	for	for	ADP
fsr-3227	362	10	all	all	DET
fsr-3227	362	11	personal	personal	ADJ
fsr-3227	362	12	finance	finance	NOUN
fsr-3227	362	13	topics	topic	NOUN
fsr-3227	362	14	.	.	PUNCT
fsr-3227	363	1	6.2	6.2	NUM
fsr-3227	363	2	.	.	PUNCT
fsr-3227	364	1	demand	demand	NOUN
fsr-3227	364	2	for	for	ADP
fsr-3227	364	3	topics	topic	NOUN
fsr-3227	364	4	within	within	ADP
fsr-3227	364	5	personal	personal	ADJ
fsr-3227	364	6	finance	finance	NOUN
fsr-3227	364	7	education	education	NOUN
fsr-3227	364	8	results	result	NOUN
fsr-3227	364	9	from	from	ADP
fsr-3227	364	10	investigating	investigate	VERB
fsr-3227	364	11	demand	demand	NOUN
fsr-3227	364	12	for	for	ADP
fsr-3227	364	13	specific	specific	ADJ
fsr-3227	364	14	topics	topic	NOUN
fsr-3227	364	15	within	within	ADP
fsr-3227	364	16	personal	personal	ADJ
fsr-3227	364	17	finance	finance	NOUN
fsr-3227	364	18	are	be	AUX
fsr-3227	364	19	in	in	ADP
fsr-3227	364	20	tables	table	NOUN
fsr-3227	364	21	4	4	NUM
fsr-3227	364	22	through	through	ADP
fsr-3227	364	23	7	7	NUM
fsr-3227	364	24	.	.	PUNCT
fsr-3227	365	1	demand	demand	NOUN
fsr-3227	365	2	for	for	ADP
fsr-3227	365	3	learning	learn	VERB
fsr-3227	365	4	about	about	ADP
fsr-3227	365	5	personal	personal	ADJ
fsr-3227	365	6	budgeting	budgeting	NOUN
fsr-3227	365	7	is	be	AUX
fsr-3227	365	8	regressed	regress	VERB
fsr-3227	365	9	on	on	ADP
fsr-3227	365	10	the	the	DET
fsr-3227	365	11	variables	variable	NOUN
fsr-3227	365	12	as	as	SCONJ
fsr-3227	365	13	defined	define	VERB
fsr-3227	365	14	in	in	ADP
fsr-3227	365	15	eq	eq	ADP
fsr-3227	365	16	.	.	PUNCT
fsr-3227	366	1	(	(	PUNCT
fsr-3227	366	2	1	1	NUM
fsr-3227	366	3	)	)	PUNCT
fsr-3227	366	4	and	and	CCONJ
fsr-3227	366	5	the	the	DET
fsr-3227	366	6	results	result	NOUN
fsr-3227	366	7	are	be	AUX
fsr-3227	366	8	shown	show	VERB
fsr-3227	366	9	in	in	ADP
fsr-3227	366	10	model	model	NOUN
fsr-3227	366	11	1	1	NUM
fsr-3227	366	12	in	in	ADP
fsr-3227	366	13	table	table	NOUN
fsr-3227	366	14	4	4	NUM
fsr-3227	366	15	.	.	PUNCT
fsr-3227	367	1	the	the	DET
fsr-3227	367	2	pseudo	pseudo	NOUN
fsr-3227	367	3	r2	r2	NOUN
fsr-3227	367	4	is	be	AUX
fsr-3227	367	5	35	35	NUM
fsr-3227	367	6	%	%	NOUN
fsr-3227	367	7	.	.	PUNCT
fsr-3227	368	1	cost	cost	NOUN
fsr-3227	368	2	,	,	PUNCT
fsr-3227	368	3	perceived	perceive	VERB
fsr-3227	368	4	return	return	NOUN
fsr-3227	368	5	,	,	PUNCT
fsr-3227	368	6	and	and	CCONJ
fsr-3227	368	7	financial	financial	ADJ
fsr-3227	368	8	independence	independence	NOUN
fsr-3227	368	9	are	be	AUX
fsr-3227	368	10	all	all	ADV
fsr-3227	368	11	significant	significant	ADJ
fsr-3227	368	12	with	with	ADP
fsr-3227	368	13	the	the	DET
fsr-3227	368	14	expected	expect	VERB
fsr-3227	368	15	signs	sign	NOUN
fsr-3227	368	16	(	(	PUNCT
fsr-3227	368	17	p	p	NOUN
fsr-3227	368	18	values	value	NOUN
fsr-3227	368	19	range	range	VERB
fsr-3227	368	20	from	from	ADP
fsr-3227	368	21	�	�	NOUN
fsr-3227	368	22	0.0001	0.0001	NUM
fsr-3227	368	23	to	to	ADP
fsr-3227	368	24	0.0002	0.0002	NUM
fsr-3227	368	25	)	)	PUNCT
fsr-3227	368	26	.	.	PUNCT
fsr-3227	369	1	gender	gender	NOUN
fsr-3227	369	2	is	be	AUX
fsr-3227	369	3	also	also	ADV
fsr-3227	369	4	significant	significant	ADJ
fsr-3227	369	5	to	to	ADP
fsr-3227	369	6	interest	interest	NOUN
fsr-3227	369	7	in	in	ADP
fsr-3227	369	8	learning	learn	VERB
fsr-3227	369	9	table	table	NOUN
fsr-3227	369	10	3	3	NUM
fsr-3227	369	11	demand	demand	NOUN
fsr-3227	369	12	for	for	ADP
fsr-3227	369	13	learning	learn	VERB
fsr-3227	369	14	about	about	ADP
fsr-3227	369	15	all	all	DET
fsr-3227	369	16	personal	personal	ADJ
fsr-3227	369	17	finance	finance	NOUN
fsr-3227	369	18	topics	topic	NOUN
fsr-3227	369	19	while	while	SCONJ
fsr-3227	369	20	in	in	ADP
fsr-3227	369	21	college	college	NOUN
fsr-3227	369	22	(	(	PUNCT
fsr-3227	369	23	1	1	NUM
fsr-3227	369	24	)	)	PUNCT
fsr-3227	369	25	(	(	PUNCT
fsr-3227	369	26	2	2	NUM
fsr-3227	369	27	)	)	PUNCT
fsr-3227	369	28	(	(	PUNCT
fsr-3227	369	29	3	3	X
fsr-3227	369	30	)	)	PUNCT
fsr-3227	369	31	estimate	estimate	NOUN
fsr-3227	369	32	p	p	NOUN
fsr-3227	369	33	value	value	NOUN
fsr-3227	369	34	estimate	estimate	NOUN
fsr-3227	370	1	p	p	NOUN
fsr-3227	370	2	value	value	NOUN
fsr-3227	370	3	estimate	estimate	NOUN
fsr-3227	370	4	p	p	NOUN
fsr-3227	370	5	value	value	NOUN
fsr-3227	370	6	intercept	intercept	PROPN
fsr-3227	370	7	�	�	PROPN
fsr-3227	370	8	10.47	10.47	NUM
fsr-3227	370	9	�	�	PROPN
fsr-3227	370	10	0.0001	0.0001	NUM
fsr-3227	370	11	�	�	PROPN
fsr-3227	370	12	10.63	10.63	NUM
fsr-3227	370	13	�	�	PROPN
fsr-3227	370	14	0.0001	0.0001	NUM
fsr-3227	370	15	�	�	PROPN
fsr-3227	370	16	9.83	9.83	NUM
fsr-3227	370	17	�	�	NOUN
fsr-3227	370	18	0.0001	0.0001	NUM
fsr-3227	370	19	intercept	intercept	PROPN
fsr-3227	370	20	�	�	PROPN
fsr-3227	370	21	8.45	8.45	NUM
fsr-3227	370	22	�	�	PROPN
fsr-3227	370	23	0.0001	0.0001	NUM
fsr-3227	370	24	�	�	PROPN
fsr-3227	370	25	8.60	8.60	NUM
fsr-3227	370	26	�	�	NUM
fsr-3227	370	27	0.0001	0.0001	NUM
fsr-3227	370	28	�	�	PROPN
fsr-3227	370	29	7.97	7.97	NUM
fsr-3227	370	30	�	�	NOUN
fsr-3227	370	31	0.0001	0.0001	NUM
fsr-3227	370	32	intercept	intercept	NOUN
fsr-3227	370	33	�	�	PROPN
fsr-3227	370	34	6.95	6.95	NUM
fsr-3227	370	35	�	�	NOUN
fsr-3227	370	36	0.0001	0.0001	NUM
fsr-3227	370	37	�	�	PROPN
fsr-3227	370	38	7.10	7.10	NUM
fsr-3227	370	39	�	�	PROPN
fsr-3227	370	40	0.0001	0.0001	NUM
fsr-3227	370	41	�	�	PROPN
fsr-3227	370	42	6.57	6.57	NUM
fsr-3227	370	43	�	�	PROPN
fsr-3227	370	44	0.0001	0.0001	NUM
fsr-3227	370	45	intercept	intercept	NOUN
fsr-3227	370	46	�	�	PROPN
fsr-3227	370	47	5.22	5.22	NUM
fsr-3227	370	48	�	�	PROPN
fsr-3227	370	49	0.0001	0.0001	NUM
fsr-3227	370	50	�	�	PROPN
fsr-3227	370	51	5.39	5.39	NUM
fsr-3227	370	52	�	�	NUM
fsr-3227	370	53	0.0001	0.0001	NUM
fsr-3227	370	54	�	�	PROPN
fsr-3227	370	55	4.90	4.90	NUM
fsr-3227	370	56	�	�	NOUN
fsr-3227	370	57	0.0001	0.0001	NUM
fsr-3227	370	58	intercept	intercept	NOUN
fsr-3227	370	59	�	�	PROPN
fsr-3227	370	60	4.66	4.66	NUM
fsr-3227	370	61	�	�	PROPN
fsr-3227	370	62	0.0001	0.0001	NUM
fsr-3227	370	63	�	�	PROPN
fsr-3227	370	64	4.34	4.34	NUM
fsr-3227	370	65	�	�	NOUN
fsr-3227	370	66	0.0001	0.0001	NUM
fsr-3227	370	67	intercept	intercept	NOUN
fsr-3227	370	68	�	�	PROPN
fsr-3227	370	69	4.05	4.05	NUM
fsr-3227	370	70	�	�	PROPN
fsr-3227	370	71	0.0001	0.0001	NUM
fsr-3227	370	72	�	�	PROPN
fsr-3227	370	73	3.70	3.70	NUM
fsr-3227	370	74	�	�	NOUN
fsr-3227	370	75	0.0001	0.0001	NUM
fsr-3227	370	76	income	income	NOUN
fsr-3227	370	77	�	�	PROPN
fsr-3227	370	78	0.06	0.06	NUM
fsr-3227	370	79	0.6032	0.6032	NUM
fsr-3227	370	80	�	�	PROPN
fsr-3227	370	81	0.05	0.05	NUM
fsr-3227	370	82	0.6540	0.6540	NUM
fsr-3227	370	83	0.05	0.05	NUM
fsr-3227	370	84	0.6518	0.6518	NUM
fsr-3227	370	85	patience	patience	NOUN
fsr-3227	370	86	0.08	0.08	NUM
fsr-3227	370	87	0.6408	0.6408	NUM
fsr-3227	370	88	0.09	0.09	NUM
fsr-3227	370	89	0.6182	0.6182	NUM
fsr-3227	370	90	cost	cost	VERB
fsr-3227	370	91	0.59	0.59	NUM
fsr-3227	370	92	�	�	NOUN
fsr-3227	370	93	0.0001	0.0001	NUM
fsr-3227	370	94	0.60	0.60	NUM
fsr-3227	370	95	�	�	NOUN
fsr-3227	370	96	0.0001	0.0001	NUM
fsr-3227	370	97	stock	stock	NOUN
fsr-3227	370	98	0.47	0.47	NUM
fsr-3227	370	99	0.0231	0.0231	NUM
fsr-3227	370	100	0.48	0.48	NUM
fsr-3227	370	101	0.0208	0.0208	NUM
fsr-3227	370	102	return	return	NOUN
fsr-3227	370	103	1.18	1.18	NUM
fsr-3227	370	104	�	�	PROPN
fsr-3227	370	105	0.0001	0.0001	NUM
fsr-3227	370	106	1.20	1.20	NUM
fsr-3227	370	107	�	�	NOUN
fsr-3227	370	108	0.0001	0.0001	NUM
fsr-3227	370	109	1.31	1.31	NUM
fsr-3227	370	110	�	�	NOUN
fsr-3227	370	111	0.0001	0.0001	NUM
fsr-3227	370	112	net	net	ADJ
fsr-3227	370	113	0.19	0.19	NUM
fsr-3227	370	114	0.0048	0.0048	NUM
fsr-3227	370	115	0.19	0.19	NUM
fsr-3227	370	116	0.0055	0.0055	NUM
fsr-3227	370	117	0.17	0.17	NUM
fsr-3227	370	118	0.0093	0.0093	NUM
fsr-3227	370	119	gender	gender	NOUN
fsr-3227	370	120	0.44	0.44	NUM
fsr-3227	370	121	0.0129	0.0129	NUM
fsr-3227	370	122	0.43	0.43	NUM
fsr-3227	370	123	0.0155	0.0155	NUM
fsr-3227	370	124	0.16	0.16	NUM
fsr-3227	370	125	0.3600	0.3600	NUM
fsr-3227	370	126	math	math	NOUN
fsr-3227	370	127	�	�	PROPN
fsr-3227	370	128	0.02	0.02	NUM
fsr-3227	370	129	0.8420	0.8420	NUM
fsr-3227	370	130	psuedo	psuedo	ADJ
fsr-3227	370	131	r2	r2	NOUN
fsr-3227	370	132	0.39	0.39	NUM
fsr-3227	370	133	0.40	0.40	NUM
fsr-3227	370	134	0.31	0.31	NUM
fsr-3227	370	135	note	note	NOUN
fsr-3227	370	136	:	:	PUNCT
fsr-3227	370	137	the	the	DET
fsr-3227	370	138	dependent	dependent	ADJ
fsr-3227	370	139	variable	variable	NOUN
fsr-3227	370	140	is	be	AUX
fsr-3227	370	141	interest	interest	NOUN
fsr-3227	370	142	in	in	ADP
fsr-3227	370	143	learning	learn	VERB
fsr-3227	370	144	about	about	ADP
fsr-3227	370	145	all	all	DET
fsr-3227	370	146	personal	personal	ADJ
fsr-3227	370	147	finance	finance	NOUN
fsr-3227	370	148	topics	topic	NOUN
fsr-3227	370	149	while	while	SCONJ
fsr-3227	370	150	in	in	ADP
fsr-3227	370	151	college	college	NOUN
fsr-3227	370	152	measured	measure	VERB
fsr-3227	370	153	on	on	ADP
fsr-3227	370	154	a	a	DET
fsr-3227	370	155	7	7	NUM
fsr-3227	370	156	-	-	PUNCT
fsr-3227	370	157	point	point	NOUN
fsr-3227	370	158	scale	scale	NOUN
fsr-3227	370	159	(	(	PUNCT
fsr-3227	370	160	1	1	NUM
fsr-3227	370	161	�	�	PROPN
fsr-3227	370	162	strongly	strongly	ADV
fsr-3227	370	163	disagree	disagree	VERB
fsr-3227	370	164	,	,	PUNCT
fsr-3227	370	165	7	7	NUM
fsr-3227	370	166	�	�	NOUN
fsr-3227	370	167	strongly	strongly	ADV
fsr-3227	370	168	agree	agree	VERB
fsr-3227	370	169	)	)	PUNCT
fsr-3227	370	170	.	.	PUNCT
fsr-3227	371	1	model	model	NOUN
fsr-3227	371	2	(	(	PUNCT
fsr-3227	371	3	1	1	X
fsr-3227	371	4	)	)	PUNCT
fsr-3227	371	5	is	be	AUX
fsr-3227	371	6	the	the	DET
fsr-3227	371	7	estimation	estimation	NOUN
fsr-3227	371	8	of	of	ADP
fsr-3227	371	9	eq	eq	PROPN
fsr-3227	371	10	.	.	PUNCT
fsr-3227	372	1	(	(	PUNCT
fsr-3227	372	2	1	1	NUM
fsr-3227	372	3	)	)	PUNCT
fsr-3227	372	4	.	.	PUNCT
fsr-3227	373	1	model	model	NOUN
fsr-3227	373	2	(	(	PUNCT
fsr-3227	373	3	2	2	X
fsr-3227	373	4	)	)	PUNCT
fsr-3227	373	5	is	be	AUX
fsr-3227	373	6	the	the	DET
fsr-3227	373	7	estimation	estimation	NOUN
fsr-3227	373	8	of	of	ADP
fsr-3227	373	9	eq	eq	PROPN
fsr-3227	373	10	.	.	PUNCT
fsr-3227	374	1	(	(	PUNCT
fsr-3227	374	2	1	1	X
fsr-3227	374	3	)	)	PUNCT
fsr-3227	374	4	combining	combine	VERB
fsr-3227	374	5	the	the	DET
fsr-3227	374	6	lowest	low	ADJ
fsr-3227	374	7	two	two	NUM
fsr-3227	374	8	response	response	NOUN
fsr-3227	374	9	categories	category	NOUN
fsr-3227	374	10	for	for	ADP
fsr-3227	374	11	the	the	DET
fsr-3227	374	12	dependent	dependent	ADJ
fsr-3227	374	13	variable	variable	NOUN
fsr-3227	374	14	.	.	PUNCT
fsr-3227	375	1	model	model	NOUN
fsr-3227	375	2	(	(	PUNCT
fsr-3227	375	3	3	3	X
fsr-3227	375	4	)	)	PUNCT
fsr-3227	375	5	contains	contain	VERB
fsr-3227	375	6	estimates	estimate	NOUN
fsr-3227	375	7	from	from	ADP
fsr-3227	375	8	eq	eq	PROPN
fsr-3227	375	9	.	.	PUNCT
fsr-3227	376	1	(	(	PUNCT
fsr-3227	376	2	2	2	NUM
fsr-3227	376	3	)	)	PUNCT
fsr-3227	376	4	.	.	PUNCT
fsr-3227	377	1	the	the	DET
fsr-3227	377	2	results	result	NOUN
fsr-3227	377	3	are	be	AUX
fsr-3227	377	4	maximum	maximum	ADJ
fsr-3227	377	5	likelihood	likelihood	NOUN
fsr-3227	377	6	estimates	estimate	NOUN
fsr-3227	377	7	with	with	ADP
fsr-3227	377	8	the	the	DET
fsr-3227	377	9	highest	high	ADJ
fsr-3227	377	10	value	value	NOUN
fsr-3227	377	11	of	of	ADP
fsr-3227	377	12	the	the	DET
fsr-3227	377	13	dependent	dependent	ADJ
fsr-3227	377	14	variable	variable	NOUN
fsr-3227	377	15	[	[	X
fsr-3227	377	16	�	�	NOUN
fsr-3227	377	17	7	7	NUM
fsr-3227	377	18	in	in	ADP
fsr-3227	377	19	(	(	PUNCT
fsr-3227	377	20	1	1	NUM
fsr-3227	377	21	)	)	PUNCT
fsr-3227	377	22	and	and	CCONJ
fsr-3227	377	23	(	(	PUNCT
fsr-3227	377	24	3	3	NUM
fsr-3227	377	25	)	)	PUNCT
fsr-3227	377	26	,	,	PUNCT
fsr-3227	377	27	�	�	X
fsr-3227	377	28	5	5	NUM
fsr-3227	377	29	in	in	ADP
fsr-3227	377	30	(	(	PUNCT
fsr-3227	377	31	2	2	NUM
fsr-3227	377	32	)	)	PUNCT
fsr-3227	377	33	]	]	PUNCT
fsr-3227	377	34	as	as	ADP
fsr-3227	377	35	the	the	DET
fsr-3227	377	36	reference	reference	NOUN
fsr-3227	377	37	.	.	PUNCT
fsr-3227	378	1	the	the	DET
fsr-3227	378	2	intercepts	intercept	NOUN
fsr-3227	378	3	reference	reference	VERB
fsr-3227	378	4	the	the	DET
fsr-3227	378	5	lower	low	ADJ
fsr-3227	378	6	values	value	NOUN
fsr-3227	378	7	for	for	ADP
fsr-3227	378	8	the	the	DET
fsr-3227	378	9	dependent	dependent	ADJ
fsr-3227	378	10	variable	variable	NOUN
fsr-3227	378	11	.	.	PUNCT
fsr-3227	379	1	the	the	DET
fsr-3227	379	2	p	p	PROPN
fsr-3227	379	3	values	value	NOUN
fsr-3227	379	4	are	be	AUX
fsr-3227	379	5	for	for	ADP
fsr-3227	379	6	wald	wald	PROPN
fsr-3227	379	7	�	�	PROPN
fsr-3227	379	8	2	2	NUM
fsr-3227	379	9	statistics	statistic	NOUN
fsr-3227	379	10	.	.	PUNCT
fsr-3227	380	1	366	366	NUM
fsr-3227	380	2	c.	c.	PROPN
fsr-3227	380	3	harrington	harrington	PROPN
fsr-3227	380	4	,	,	PUNCT
fsr-3227	380	5	w.	w.	PROPN
fsr-3227	380	6	smith	smith	PROPN
fsr-3227	380	7	/	/	SYM
fsr-3227	380	8	financial	financial	ADJ
fsr-3227	380	9	services	service	NOUN
fsr-3227	380	10	review	review	VERB
fsr-3227	380	11	25	25	NUM
fsr-3227	380	12	(	(	PUNCT
fsr-3227	380	13	2016	2016	NUM
fsr-3227	380	14	)	)	PUNCT
fsr-3227	381	1	351–372	351–372	NUM
fsr-3227	381	2	about	about	ADP
fsr-3227	381	3	personal	personal	ADJ
fsr-3227	381	4	budgeting	budgeting	NOUN
fsr-3227	381	5	(	(	PUNCT
fsr-3227	381	6	p	p	NOUN
fsr-3227	381	7	value	value	NOUN
fsr-3227	381	8	�	�	PROPN
fsr-3227	381	9	0.0093	0.0093	NUM
fsr-3227	381	10	)	)	PUNCT
fsr-3227	381	11	,	,	PUNCT
fsr-3227	381	12	where	where	SCONJ
fsr-3227	381	13	females	female	NOUN
fsr-3227	381	14	are	be	AUX
fsr-3227	381	15	relatively	relatively	ADV
fsr-3227	381	16	more	more	ADV
fsr-3227	381	17	interested	interested	ADJ
fsr-3227	381	18	than	than	ADP
fsr-3227	381	19	males	male	NOUN
fsr-3227	381	20	.	.	PUNCT
fsr-3227	382	1	income	income	NOUN
fsr-3227	382	2	,	,	PUNCT
fsr-3227	382	3	patience	patience	NOUN
fsr-3227	382	4	in	in	ADP
fsr-3227	382	5	consumption	consumption	NOUN
fsr-3227	382	6	,	,	PUNCT
fsr-3227	382	7	and	and	CCONJ
fsr-3227	382	8	the	the	DET
fsr-3227	382	9	initial	initial	ADJ
fsr-3227	382	10	stock	stock	NOUN
fsr-3227	382	11	of	of	ADP
fsr-3227	382	12	financial	financial	ADJ
fsr-3227	382	13	literacy	literacy	NOUN
fsr-3227	382	14	are	be	AUX
fsr-3227	382	15	not	not	PART
fsr-3227	382	16	significant	significant	ADJ
fsr-3227	382	17	in	in	ADP
fsr-3227	382	18	model	model	NOUN
fsr-3227	382	19	1	1	NUM
fsr-3227	382	20	.	.	PUNCT
fsr-3227	383	1	the	the	DET
fsr-3227	383	2	alternate	alternate	ADJ
fsr-3227	383	3	measures	measure	NOUN
fsr-3227	383	4	of	of	ADP
fsr-3227	383	5	income	income	NOUN
fsr-3227	383	6	and	and	CCONJ
fsr-3227	383	7	the	the	DET
fsr-3227	383	8	stock	stock	NOUN
fsr-3227	383	9	of	of	ADP
fsr-3227	383	10	financial	financial	ADJ
fsr-3227	383	11	literacy	literacy	NOUN
fsr-3227	383	12	are	be	AUX
fsr-3227	383	13	all	all	ADV
fsr-3227	383	14	insignificant	insignificant	ADJ
fsr-3227	383	15	when	when	SCONJ
fsr-3227	383	16	included	include	VERB
fsr-3227	383	17	in	in	ADP
fsr-3227	383	18	model	model	NOUN
fsr-3227	383	19	1	1	NUM
fsr-3227	383	20	(	(	PUNCT
fsr-3227	383	21	untabulated	untabulated	ADJ
fsr-3227	383	22	)	)	PUNCT
fsr-3227	383	23	.	.	PUNCT
fsr-3227	384	1	model	model	NOUN
fsr-3227	384	2	2	2	NUM
fsr-3227	384	3	displays	display	VERB
fsr-3227	384	4	the	the	DET
fsr-3227	384	5	results	result	NOUN
fsr-3227	384	6	from	from	ADP
fsr-3227	384	7	estimating	estimate	VERB
fsr-3227	384	8	eq	eq	ADP
fsr-3227	384	9	.	.	PUNCT
fsr-3227	385	1	(	(	PUNCT
fsr-3227	385	2	2	2	NUM
fsr-3227	385	3	)	)	PUNCT
fsr-3227	385	4	.	.	PUNCT
fsr-3227	386	1	self	self	NOUN
fsr-3227	386	2	-	-	PUNCT
fsr-3227	386	3	reported	report	VERB
fsr-3227	386	4	math	math	NOUN
fsr-3227	386	5	ability	ability	NOUN
fsr-3227	386	6	is	be	AUX
fsr-3227	386	7	positive	positive	ADJ
fsr-3227	386	8	and	and	CCONJ
fsr-3227	386	9	marginally	marginally	ADV
fsr-3227	386	10	significant	significant	ADJ
fsr-3227	386	11	as	as	ADP
fsr-3227	386	12	a	a	DET
fsr-3227	386	13	summary	summary	NOUN
fsr-3227	386	14	measure	measure	NOUN
fsr-3227	386	15	for	for	ADP
fsr-3227	386	16	patience	patience	NOUN
fsr-3227	386	17	in	in	ADP
fsr-3227	386	18	consumption	consumption	NOUN
fsr-3227	386	19	,	,	PUNCT
fsr-3227	386	20	cost	cost	NOUN
fsr-3227	386	21	,	,	PUNCT
fsr-3227	386	22	and	and	CCONJ
fsr-3227	386	23	the	the	DET
fsr-3227	386	24	initial	initial	ADJ
fsr-3227	386	25	stock	stock	NOUN
fsr-3227	386	26	of	of	ADP
fsr-3227	386	27	financial	financial	ADJ
fsr-3227	386	28	literacy	literacy	NOUN
fsr-3227	386	29	(	(	PUNCT
fsr-3227	386	30	p	p	NOUN
fsr-3227	386	31	value	value	NOUN
fsr-3227	386	32	�	�	PROPN
fsr-3227	386	33	0.0510	0.0510	NUM
fsr-3227	386	34	)	)	PUNCT
fsr-3227	386	35	.	.	PUNCT
fsr-3227	387	1	perceived	perceive	VERB
fsr-3227	387	2	return	return	NOUN
fsr-3227	387	3	remains	remain	VERB
fsr-3227	387	4	highly	highly	ADV
fsr-3227	387	5	significant	significant	ADJ
fsr-3227	387	6	but	but	CCONJ
fsr-3227	387	7	the	the	DET
fsr-3227	387	8	statistical	statistical	ADJ
fsr-3227	387	9	significance	significance	NOUN
fsr-3227	387	10	of	of	ADP
fsr-3227	387	11	gender	gender	NOUN
fsr-3227	387	12	is	be	AUX
fsr-3227	387	13	sensitive	sensitive	ADJ
fsr-3227	387	14	to	to	ADP
fsr-3227	387	15	the	the	DET
fsr-3227	387	16	inclusion	inclusion	NOUN
fsr-3227	387	17	of	of	ADP
fsr-3227	387	18	self	self	NOUN
fsr-3227	387	19	-	-	PUNCT
fsr-3227	387	20	reported	report	VERB
fsr-3227	387	21	math	math	NOUN
fsr-3227	387	22	ability	ability	NOUN
fsr-3227	387	23	.	.	PUNCT
fsr-3227	388	1	the	the	DET
fsr-3227	388	2	alternate	alternate	ADJ
fsr-3227	388	3	measures	measure	NOUN
fsr-3227	388	4	of	of	ADP
fsr-3227	388	5	math	math	NOUN
fsr-3227	388	6	ability	ability	NOUN
fsr-3227	388	7	are	be	AUX
fsr-3227	388	8	insignificant	insignificant	ADJ
fsr-3227	388	9	in	in	ADP
fsr-3227	388	10	eq	eq	ADP
fsr-3227	388	11	.	.	PUNCT
fsr-3227	389	1	(	(	PUNCT
fsr-3227	389	2	2	2	NUM
fsr-3227	389	3	)	)	PUNCT
fsr-3227	389	4	.	.	PUNCT
fsr-3227	390	1	model	model	NOUN
fsr-3227	390	2	3	3	NUM
fsr-3227	390	3	adds	add	VERB
fsr-3227	390	4	self	self	NOUN
fsr-3227	390	5	-	-	PUNCT
fsr-3227	390	6	reported	report	VERB
fsr-3227	390	7	math	math	NOUN
fsr-3227	390	8	ability	ability	NOUN
fsr-3227	390	9	to	to	PART
fsr-3227	390	10	eq	eq	PROPN
fsr-3227	390	11	.	.	PUNCT
fsr-3227	391	1	(	(	PUNCT
fsr-3227	391	2	1	1	NUM
fsr-3227	391	3	)	)	PUNCT
fsr-3227	391	4	.	.	PUNCT
fsr-3227	392	1	cost	cost	NOUN
fsr-3227	392	2	,	,	PUNCT
fsr-3227	392	3	perceived	perceive	VERB
fsr-3227	392	4	return	return	NOUN
fsr-3227	392	5	,	,	PUNCT
fsr-3227	392	6	financial	financial	ADJ
fsr-3227	392	7	independence	independence	NOUN
fsr-3227	392	8	,	,	PUNCT
fsr-3227	392	9	and	and	CCONJ
fsr-3227	392	10	gender	gender	NOUN
fsr-3227	392	11	remain	remain	VERB
fsr-3227	392	12	highly	highly	ADV
fsr-3227	392	13	significant	significant	ADJ
fsr-3227	392	14	as	as	ADP
fsr-3227	392	15	in	in	ADP
fsr-3227	392	16	model	model	NOUN
fsr-3227	392	17	1	1	NUM
fsr-3227	392	18	,	,	PUNCT
fsr-3227	392	19	yet	yet	CCONJ
fsr-3227	392	20	math	math	NOUN
fsr-3227	392	21	ability	ability	NOUN
fsr-3227	392	22	has	have	VERB
fsr-3227	392	23	independent	independent	ADJ
fsr-3227	392	24	explanatory	explanatory	ADJ
fsr-3227	392	25	power	power	NOUN
fsr-3227	392	26	.	.	PUNCT
fsr-3227	393	1	table	table	NOUN
fsr-3227	393	2	5	5	NUM
fsr-3227	393	3	displays	display	NOUN
fsr-3227	393	4	estimates	estimate	NOUN
fsr-3227	393	5	for	for	ADP
fsr-3227	393	6	interest	interest	NOUN
fsr-3227	393	7	in	in	ADP
fsr-3227	393	8	learning	learn	VERB
fsr-3227	393	9	about	about	ADP
fsr-3227	393	10	credit	credit	NOUN
fsr-3227	393	11	cards	card	NOUN
fsr-3227	393	12	while	while	SCONJ
fsr-3227	393	13	in	in	ADP
fsr-3227	393	14	college	college	NOUN
fsr-3227	393	15	.	.	PUNCT
fsr-3227	394	1	the	the	DET
fsr-3227	394	2	results	result	NOUN
fsr-3227	394	3	in	in	ADP
fsr-3227	394	4	model	model	NOUN
fsr-3227	394	5	1	1	NUM
fsr-3227	394	6	are	be	AUX
fsr-3227	394	7	from	from	ADP
fsr-3227	394	8	estimating	estimate	VERB
fsr-3227	394	9	eq	eq	ADP
fsr-3227	394	10	.	.	PUNCT
fsr-3227	395	1	(	(	PUNCT
fsr-3227	395	2	1	1	NUM
fsr-3227	395	3	)	)	PUNCT
fsr-3227	395	4	.	.	PUNCT
fsr-3227	396	1	the	the	DET
fsr-3227	396	2	pseudo	pseudo	NOUN
fsr-3227	396	3	r2	r2	NOUN
fsr-3227	396	4	is	be	AUX
fsr-3227	396	5	21	21	NUM
fsr-3227	396	6	%	%	NOUN
fsr-3227	396	7	.	.	PUNCT
fsr-3227	397	1	cost	cost	NOUN
fsr-3227	397	2	,	,	PUNCT
fsr-3227	397	3	return	return	NOUN
fsr-3227	397	4	,	,	PUNCT
fsr-3227	397	5	and	and	CCONJ
fsr-3227	397	6	gender	gender	NOUN
fsr-3227	397	7	are	be	AUX
fsr-3227	397	8	significant	significant	ADJ
fsr-3227	397	9	with	with	ADP
fsr-3227	397	10	females	female	NOUN
fsr-3227	397	11	having	have	VERB
fsr-3227	397	12	relatively	relatively	ADV
fsr-3227	397	13	more	more	ADJ
fsr-3227	397	14	interest	interest	NOUN
fsr-3227	397	15	in	in	ADP
fsr-3227	397	16	this	this	DET
fsr-3227	397	17	topic	topic	NOUN
fsr-3227	397	18	(	(	PUNCT
fsr-3227	397	19	p	p	NOUN
fsr-3227	397	20	values	value	NOUN
fsr-3227	397	21	range	range	VERB
fsr-3227	397	22	from	from	ADP
fsr-3227	397	23	�	�	NOUN
fsr-3227	397	24	0.0001	0.0001	NUM
fsr-3227	397	25	to	to	ADP
fsr-3227	397	26	0.0012	0.0012	NUM
fsr-3227	397	27	)	)	PUNCT
fsr-3227	397	28	.	.	PUNCT
fsr-3227	398	1	having	have	VERB
fsr-3227	398	2	nonstudent	nonstudent	NOUN
fsr-3227	398	3	loan	loan	NOUN
fsr-3227	398	4	debt	debt	NOUN
fsr-3227	398	5	is	be	AUX
fsr-3227	398	6	positive	positive	ADJ
fsr-3227	398	7	and	and	CCONJ
fsr-3227	398	8	marginally	marginally	ADV
fsr-3227	398	9	significant	significant	ADJ
fsr-3227	398	10	to	to	ADP
fsr-3227	398	11	interest	interest	NOUN
fsr-3227	398	12	in	in	ADP
fsr-3227	398	13	learning	learn	VERB
fsr-3227	398	14	about	about	ADP
fsr-3227	398	15	credit	credit	NOUN
fsr-3227	398	16	cards	card	NOUN
fsr-3227	398	17	(	(	PUNCT
fsr-3227	398	18	p	p	NOUN
fsr-3227	398	19	value	value	NOUN
fsr-3227	398	20	�	�	PROPN
fsr-3227	398	21	0.0614	0.0614	NUM
fsr-3227	398	22	)	)	PUNCT
fsr-3227	398	23	.	.	PUNCT
fsr-3227	399	1	income	income	NOUN
fsr-3227	399	2	range	range	NOUN
fsr-3227	399	3	,	,	PUNCT
fsr-3227	399	4	patience	patience	NOUN
fsr-3227	399	5	in	in	ADP
fsr-3227	399	6	consumption	consumption	NOUN
fsr-3227	399	7	,	,	PUNCT
fsr-3227	399	8	and	and	CCONJ
fsr-3227	399	9	financial	financial	ADJ
fsr-3227	399	10	independence	independence	NOUN
fsr-3227	399	11	are	be	AUX
fsr-3227	399	12	insignificant	insignificant	ADJ
fsr-3227	399	13	.	.	PUNCT
fsr-3227	400	1	income	income	NOUN
fsr-3227	400	2	range	range	NOUN
fsr-3227	400	3	is	be	AUX
fsr-3227	400	4	alternatively	alternatively	ADV
fsr-3227	400	5	replaced	replace	VERB
fsr-3227	400	6	with	with	ADP
fsr-3227	400	7	employment	employment	NOUN
fsr-3227	400	8	status	status	NOUN
fsr-3227	400	9	and	and	CCONJ
fsr-3227	400	10	college	college	NOUN
fsr-3227	400	11	level	level	NOUN
fsr-3227	400	12	in	in	ADP
fsr-3227	400	13	eq	eq	ADP
fsr-3227	400	14	.	.	PUNCT
fsr-3227	401	1	(	(	PUNCT
fsr-3227	401	2	1	1	NUM
fsr-3227	401	3	)	)	PUNCT
fsr-3227	401	4	(	(	PUNCT
fsr-3227	401	5	not	not	PART
fsr-3227	401	6	tabulated	tabulate	VERB
fsr-3227	401	7	)	)	PUNCT
fsr-3227	401	8	.	.	PUNCT
fsr-3227	402	1	college	college	NOUN
fsr-3227	402	2	level	level	NOUN
fsr-3227	402	3	is	be	AUX
fsr-3227	402	4	marginally	marginally	ADV
fsr-3227	402	5	significant	significant	ADJ
fsr-3227	402	6	to	to	ADP
fsr-3227	402	7	interest	interest	NOUN
fsr-3227	402	8	in	in	ADP
fsr-3227	402	9	learning	learn	VERB
fsr-3227	402	10	about	about	ADP
fsr-3227	402	11	credit	credit	NOUN
fsr-3227	402	12	cards	card	NOUN
fsr-3227	402	13	and	and	CCONJ
fsr-3227	402	14	employment	employment	NOUN
fsr-3227	402	15	status	status	NOUN
fsr-3227	402	16	is	be	AUX
fsr-3227	402	17	not	not	PART
fsr-3227	402	18	significant	significant	ADJ
fsr-3227	402	19	.	.	PUNCT
fsr-3227	403	1	we	we	PRON
fsr-3227	403	2	also	also	ADV
fsr-3227	403	3	replace	replace	VERB
fsr-3227	403	4	nonstudent	nonstudent	NOUN
fsr-3227	403	5	loan	loan	NOUN
fsr-3227	403	6	debt	debt	NOUN
fsr-3227	403	7	with	with	ADP
fsr-3227	403	8	prior	prior	ADJ
fsr-3227	403	9	financial	financial	ADJ
fsr-3227	403	10	education	education	NOUN
fsr-3227	403	11	but	but	CCONJ
fsr-3227	403	12	this	this	DET
fsr-3227	403	13	variable	variable	NOUN
fsr-3227	403	14	remains	remain	VERB
fsr-3227	403	15	insignificant	insignificant	ADJ
fsr-3227	403	16	.	.	PUNCT
fsr-3227	404	1	in	in	ADP
fsr-3227	404	2	model	model	NOUN
fsr-3227	404	3	2	2	NUM
fsr-3227	404	4	college	college	NOUN
fsr-3227	404	5	level	level	NOUN
fsr-3227	404	6	approximates	approximate	NOUN
fsr-3227	404	7	expected	expect	VERB
fsr-3227	404	8	income	income	NOUN
fsr-3227	404	9	for	for	ADP
fsr-3227	404	10	estimating	estimate	VERB
fsr-3227	404	11	the	the	DET
fsr-3227	404	12	coefficients	coefficient	NOUN
fsr-3227	404	13	in	in	ADP
fsr-3227	404	14	eq	eq	ADP
fsr-3227	404	15	.	.	PUNCT
fsr-3227	405	1	(	(	PUNCT
fsr-3227	405	2	2	2	NUM
fsr-3227	405	3	)	)	PUNCT
fsr-3227	405	4	.	.	PUNCT
fsr-3227	406	1	college	college	NOUN
fsr-3227	406	2	level	level	NOUN
fsr-3227	406	3	is	be	AUX
fsr-3227	406	4	significant	significant	ADJ
fsr-3227	406	5	as	as	SCONJ
fsr-3227	406	6	are	be	AUX
fsr-3227	406	7	table	table	NOUN
fsr-3227	406	8	4	4	NUM
fsr-3227	406	9	demand	demand	NOUN
fsr-3227	406	10	for	for	ADP
fsr-3227	406	11	learning	learn	VERB
fsr-3227	406	12	about	about	ADP
fsr-3227	406	13	personal	personal	ADJ
fsr-3227	406	14	budgeting	budgeting	NOUN
fsr-3227	406	15	while	while	SCONJ
fsr-3227	406	16	in	in	ADP
fsr-3227	406	17	college	college	NOUN
fsr-3227	406	18	(	(	PUNCT
fsr-3227	406	19	1	1	NUM
fsr-3227	406	20	)	)	PUNCT
fsr-3227	406	21	(	(	PUNCT
fsr-3227	406	22	2	2	NUM
fsr-3227	406	23	)	)	PUNCT
fsr-3227	406	24	(	(	PUNCT
fsr-3227	406	25	3	3	X
fsr-3227	406	26	)	)	PUNCT
fsr-3227	406	27	estimate	estimate	NOUN
fsr-3227	406	28	p	p	NOUN
fsr-3227	406	29	value	value	NOUN
fsr-3227	406	30	estimate	estimate	NOUN
fsr-3227	406	31	p	p	NOUN
fsr-3227	406	32	value	value	NOUN
fsr-3227	406	33	estimate	estimate	NOUN
fsr-3227	406	34	p	p	NOUN
fsr-3227	406	35	value	value	NOUN
fsr-3227	406	36	intercept	intercept	NOUN
fsr-3227	406	37	�	�	PROPN
fsr-3227	406	38	10.08	10.08	NUM
fsr-3227	406	39	�	�	PROPN
fsr-3227	406	40	0.0001	0.0001	NUM
fsr-3227	406	41	�	�	PROPN
fsr-3227	406	42	10.29	10.29	NUM
fsr-3227	406	43	�	�	NOUN
fsr-3227	406	44	0.0001	0.0001	NUM
fsr-3227	406	45	�	�	PROPN
fsr-3227	406	46	10.97	10.97	NUM
fsr-3227	406	47	�	�	NOUN
fsr-3227	406	48	0.0001	0.0001	NUM
fsr-3227	406	49	intercept	intercept	NOUN
fsr-3227	406	50	�	�	PROPN
fsr-3227	406	51	8.01	8.01	NUM
fsr-3227	406	52	�	�	PROPN
fsr-3227	406	53	0.0001	0.0001	NUM
fsr-3227	406	54	�	�	PROPN
fsr-3227	406	55	8.33	8.33	NUM
fsr-3227	406	56	�	�	NUM
fsr-3227	406	57	0.0001	0.0001	NUM
fsr-3227	406	58	�	�	PROPN
fsr-3227	406	59	8.89	8.89	NUM
fsr-3227	406	60	�	�	NOUN
fsr-3227	406	61	0.0001	0.0001	NUM
fsr-3227	406	62	intercept	intercept	PROPN
fsr-3227	406	63	�	�	PROPN
fsr-3227	406	64	6.46	6.46	NUM
fsr-3227	406	65	�	�	PROPN
fsr-3227	406	66	0.0001	0.0001	NUM
fsr-3227	406	67	�	�	PROPN
fsr-3227	406	68	6.84	6.84	NUM
fsr-3227	406	69	�	�	NOUN
fsr-3227	406	70	0.0001	0.0001	NUM
fsr-3227	406	71	�	�	PROPN
fsr-3227	406	72	7.33	7.33	NUM
fsr-3227	406	73	�	�	NOUN
fsr-3227	406	74	0.0001	0.0001	NUM
fsr-3227	406	75	intercept	intercept	PROPN
fsr-3227	406	76	�	�	PROPN
fsr-3227	406	77	4.91	4.91	NUM
fsr-3227	406	78	�	�	PROPN
fsr-3227	406	79	0.0001	0.0001	NUM
fsr-3227	406	80	�	�	PROPN
fsr-3227	406	81	5.32	5.32	NUM
fsr-3227	406	82	�	�	NOUN
fsr-3227	406	83	0.0001	0.0001	NUM
fsr-3227	406	84	�	�	PROPN
fsr-3227	406	85	5.77	5.77	NUM
fsr-3227	406	86	�	�	NOUN
fsr-3227	406	87	0.0001	0.0001	NUM
fsr-3227	406	88	intercept	intercept	NOUN
fsr-3227	406	89	�	�	PROPN
fsr-3227	406	90	4.08	4.08	NUM
fsr-3227	406	91	�	�	PROPN
fsr-3227	406	92	0.0001	0.0001	NUM
fsr-3227	406	93	�	�	PROPN
fsr-3227	406	94	4.49	4.49	NUM
fsr-3227	406	95	�	�	NOUN
fsr-3227	406	96	0.0001	0.0001	NUM
fsr-3227	406	97	�	�	PROPN
fsr-3227	406	98	4.93	4.93	NUM
fsr-3227	406	99	�	�	NOUN
fsr-3227	406	100	0.0001	0.0001	NUM
fsr-3227	406	101	intercept	intercept	NOUN
fsr-3227	406	102	�	�	PROPN
fsr-3227	406	103	3.34	3.34	NUM
fsr-3227	406	104	�	�	NOUN
fsr-3227	406	105	0.0001	0.0001	NUM
fsr-3227	406	106	�	�	PROPN
fsr-3227	406	107	3.71	3.71	NUM
fsr-3227	406	108	�	�	NUM
fsr-3227	406	109	0.0001	0.0001	NUM
fsr-3227	406	110	�	�	PROPN
fsr-3227	406	111	4.18	4.18	NUM
fsr-3227	406	112	�	�	NOUN
fsr-3227	406	113	0.0001	0.0001	NUM
fsr-3227	406	114	income	income	NOUN
fsr-3227	406	115	0.04	0.04	NUM
fsr-3227	406	116	0.7052	0.7052	NUM
fsr-3227	406	117	0.07	0.07	NUM
fsr-3227	406	118	0.5171	0.5171	NUM
fsr-3227	406	119	0.04	0.04	NUM
fsr-3227	406	120	0.6935	0.6935	NUM
fsr-3227	406	121	patience	patience	NOUN
fsr-3227	406	122	0.08	0.08	NUM
fsr-3227	406	123	0.6250	0.6250	NUM
fsr-3227	406	124	0.05	0.05	NUM
fsr-3227	406	125	0.7724	0.7724	NUM
fsr-3227	406	126	cost	cost	VERB
fsr-3227	406	127	0.46	0.46	NUM
fsr-3227	406	128	�	�	PROPN
fsr-3227	406	129	0.0001	0.0001	NUM
fsr-3227	406	130	0.47	0.47	NUM
fsr-3227	406	131	�	�	PROPN
fsr-3227	406	132	0.0001	0.0001	NUM
fsr-3227	406	133	stock	stock	NOUN
fsr-3227	406	134	�	�	PROPN
fsr-3227	406	135	0.22	0.22	NUM
fsr-3227	406	136	0.2739	0.2739	NUM
fsr-3227	406	137	�	�	NOUN
fsr-3227	406	138	0.26	0.26	NUM
fsr-3227	406	139	0.2005	0.2005	NUM
fsr-3227	406	140	return	return	VERB
fsr-3227	406	141	1.11	1.11	NUM
fsr-3227	406	142	�	�	NOUN
fsr-3227	406	143	0.0001	0.0001	NUM
fsr-3227	406	144	1.19	1.19	NUM
fsr-3227	406	145	�	�	NOUN
fsr-3227	406	146	0.0001	0.0001	NUM
fsr-3227	406	147	1.10	1.10	NUM
fsr-3227	406	148	�	�	NOUN
fsr-3227	406	149	0.0001	0.0001	NUM
fsr-3227	406	150	net	net	NOUN
fsr-3227	406	151	0.25	0.25	NUM
fsr-3227	406	152	0.0002	0.0002	NUM
fsr-3227	406	153	0.20	0.20	NUM
fsr-3227	406	154	0.0018	0.0018	NUM
fsr-3227	406	155	0.24	0.24	NUM
fsr-3227	406	156	0.0003	0.0003	NUM
fsr-3227	406	157	gender	gender	NOUN
fsr-3227	406	158	0.46	0.46	NUM
fsr-3227	406	159	0.0093	0.0093	NUM
fsr-3227	406	160	0.27	0.27	NUM
fsr-3227	406	161	0.1141	0.1141	NUM
fsr-3227	406	162	0.51	0.51	NUM
fsr-3227	406	163	0.0039	0.0039	NUM
fsr-3227	406	164	math	math	NOUN
fsr-3227	406	165	0.22	0.22	NUM
fsr-3227	406	166	0.0510	0.0510	NUM
fsr-3227	406	167	0.27	0.27	NUM
fsr-3227	406	168	0.0201	0.0201	NUM
fsr-3227	406	169	psuedo	psuedo	ADJ
fsr-3227	406	170	r2	r2	NOUN
fsr-3227	406	171	0.35	0.35	NUM
fsr-3227	406	172	0.30	0.30	NUM
fsr-3227	406	173	0.36	0.36	NUM
fsr-3227	406	174	note	note	NOUN
fsr-3227	406	175	:	:	PUNCT
fsr-3227	406	176	the	the	DET
fsr-3227	406	177	dependent	dependent	ADJ
fsr-3227	406	178	variable	variable	NOUN
fsr-3227	406	179	is	be	AUX
fsr-3227	406	180	interest	interest	NOUN
fsr-3227	406	181	in	in	ADP
fsr-3227	406	182	learning	learn	VERB
fsr-3227	406	183	about	about	ADP
fsr-3227	406	184	personal	personal	ADJ
fsr-3227	406	185	budgeting	budgeting	NOUN
fsr-3227	406	186	while	while	SCONJ
fsr-3227	406	187	in	in	ADP
fsr-3227	406	188	college	college	NOUN
fsr-3227	406	189	measured	measure	VERB
fsr-3227	406	190	on	on	ADP
fsr-3227	406	191	a	a	DET
fsr-3227	406	192	7	7	NUM
fsr-3227	406	193	-	-	PUNCT
fsr-3227	406	194	point	point	NOUN
fsr-3227	406	195	scale	scale	NOUN
fsr-3227	406	196	(	(	PUNCT
fsr-3227	406	197	1	1	NUM
fsr-3227	406	198	�	�	PROPN
fsr-3227	406	199	strongly	strongly	ADV
fsr-3227	406	200	disagree	disagree	VERB
fsr-3227	406	201	,	,	PUNCT
fsr-3227	406	202	7	7	NUM
fsr-3227	406	203	�	�	NOUN
fsr-3227	406	204	strongly	strongly	ADV
fsr-3227	406	205	agree	agree	VERB
fsr-3227	406	206	)	)	PUNCT
fsr-3227	406	207	.	.	PUNCT
fsr-3227	407	1	model	model	NOUN
fsr-3227	407	2	(	(	PUNCT
fsr-3227	407	3	1	1	X
fsr-3227	407	4	)	)	PUNCT
fsr-3227	407	5	is	be	AUX
fsr-3227	407	6	the	the	DET
fsr-3227	407	7	estimation	estimation	NOUN
fsr-3227	407	8	of	of	ADP
fsr-3227	407	9	eq	eq	PROPN
fsr-3227	407	10	.	.	PUNCT
fsr-3227	408	1	(	(	PUNCT
fsr-3227	408	2	1	1	NUM
fsr-3227	408	3	)	)	PUNCT
fsr-3227	408	4	.	.	PUNCT
fsr-3227	409	1	model	model	NOUN
fsr-3227	409	2	(	(	PUNCT
fsr-3227	409	3	2	2	X
fsr-3227	409	4	)	)	PUNCT
fsr-3227	409	5	is	be	AUX
fsr-3227	409	6	the	the	DET
fsr-3227	409	7	estimation	estimation	NOUN
fsr-3227	409	8	of	of	ADP
fsr-3227	409	9	eq	eq	PROPN
fsr-3227	409	10	.	.	PUNCT
fsr-3227	410	1	(	(	PUNCT
fsr-3227	410	2	2	2	NUM
fsr-3227	410	3	)	)	PUNCT
fsr-3227	410	4	.	.	PUNCT
fsr-3227	411	1	model	model	NOUN
fsr-3227	411	2	(	(	PUNCT
fsr-3227	411	3	3	3	X
fsr-3227	411	4	)	)	PUNCT
fsr-3227	411	5	contains	contain	VERB
fsr-3227	411	6	estimates	estimate	NOUN
fsr-3227	411	7	from	from	ADP
fsr-3227	411	8	eq	eq	PROPN
fsr-3227	411	9	.	.	PUNCT
fsr-3227	412	1	(	(	PUNCT
fsr-3227	412	2	1	1	X
fsr-3227	412	3	)	)	PUNCT
fsr-3227	412	4	also	also	ADV
fsr-3227	412	5	including	include	VERB
fsr-3227	412	6	numerical	numerical	ADJ
fsr-3227	412	7	ability	ability	NOUN
fsr-3227	412	8	.	.	PUNCT
fsr-3227	413	1	the	the	DET
fsr-3227	413	2	results	result	NOUN
fsr-3227	413	3	are	be	AUX
fsr-3227	413	4	maximum	maximum	ADJ
fsr-3227	413	5	likelihood	likelihood	NOUN
fsr-3227	413	6	estimates	estimate	NOUN
fsr-3227	413	7	with	with	ADP
fsr-3227	413	8	the	the	DET
fsr-3227	413	9	highest	high	ADJ
fsr-3227	413	10	value	value	NOUN
fsr-3227	413	11	of	of	ADP
fsr-3227	413	12	the	the	DET
fsr-3227	413	13	dependent	dependent	ADJ
fsr-3227	413	14	variable	variable	NOUN
fsr-3227	413	15	(	(	PUNCT
fsr-3227	413	16	�	�	PROPN
fsr-3227	413	17	7	7	NUM
fsr-3227	413	18	)	)	PUNCT
fsr-3227	413	19	as	as	ADP
fsr-3227	413	20	the	the	DET
fsr-3227	413	21	reference	reference	NOUN
fsr-3227	413	22	.	.	PUNCT
fsr-3227	414	1	the	the	DET
fsr-3227	414	2	intercepts	intercept	NOUN
fsr-3227	414	3	reference	reference	VERB
fsr-3227	414	4	the	the	DET
fsr-3227	414	5	lower	low	ADJ
fsr-3227	414	6	values	value	NOUN
fsr-3227	414	7	for	for	ADP
fsr-3227	414	8	the	the	DET
fsr-3227	414	9	dependent	dependent	ADJ
fsr-3227	414	10	variable	variable	NOUN
fsr-3227	414	11	.	.	PUNCT
fsr-3227	415	1	the	the	DET
fsr-3227	415	2	p	p	PROPN
fsr-3227	415	3	values	value	NOUN
fsr-3227	415	4	are	be	AUX
fsr-3227	415	5	for	for	ADP
fsr-3227	415	6	wald	wald	PROPN
fsr-3227	415	7	�	�	PROPN
fsr-3227	415	8	2	2	NUM
fsr-3227	415	9	statistics	statistic	NOUN
fsr-3227	415	10	.	.	PUNCT
fsr-3227	416	1	367c	367c	NUM
fsr-3227	416	2	.	.	PUNCT
fsr-3227	417	1	harrington	harrington	PROPN
fsr-3227	417	2	,	,	PUNCT
fsr-3227	417	3	w.	w.	PROPN
fsr-3227	417	4	smith	smith	PROPN
fsr-3227	417	5	/	/	SYM
fsr-3227	417	6	financial	financial	ADJ
fsr-3227	417	7	services	service	NOUN
fsr-3227	417	8	review	review	VERB
fsr-3227	417	9	25	25	NUM
fsr-3227	417	10	(	(	PUNCT
fsr-3227	417	11	2016	2016	NUM
fsr-3227	417	12	)	)	PUNCT
fsr-3227	418	1	351–372	351–372	NUM
fsr-3227	418	2	perceived	perceive	VERB
fsr-3227	418	3	return	return	NOUN
fsr-3227	418	4	and	and	CCONJ
fsr-3227	418	5	gender	gender	NOUN
fsr-3227	418	6	(	(	PUNCT
fsr-3227	418	7	p	p	NOUN
fsr-3227	418	8	values	value	NOUN
fsr-3227	418	9	range	range	VERB
fsr-3227	418	10	from	from	ADP
fsr-3227	418	11	�	�	NOUN
fsr-3227	418	12	0.0001	0.0001	NUM
fsr-3227	418	13	to	to	ADP
fsr-3227	418	14	0.0167	0.0167	NUM
fsr-3227	418	15	)	)	PUNCT
fsr-3227	418	16	,	,	PUNCT
fsr-3227	418	17	but	but	CCONJ
fsr-3227	418	18	any	any	DET
fsr-3227	418	19	measure	measure	NOUN
fsr-3227	418	20	of	of	ADP
fsr-3227	418	21	math	math	NOUN
fsr-3227	418	22	ability	ability	NOUN
fsr-3227	418	23	is	be	AUX
fsr-3227	418	24	insignificant	insignificant	ADJ
fsr-3227	418	25	.	.	PUNCT
fsr-3227	419	1	in	in	ADP
fsr-3227	419	2	model	model	NOUN
fsr-3227	419	3	3	3	NUM
fsr-3227	419	4	we	we	PRON
fsr-3227	419	5	augment	augment	VERB
fsr-3227	419	6	eq	eq	ADP
fsr-3227	419	7	.	.	PUNCT
fsr-3227	420	1	(	(	PUNCT
fsr-3227	420	2	1	1	X
fsr-3227	420	3	)	)	PUNCT
fsr-3227	420	4	with	with	ADP
fsr-3227	420	5	college	college	NOUN
fsr-3227	420	6	level	level	NOUN
fsr-3227	420	7	as	as	ADP
fsr-3227	420	8	the	the	DET
fsr-3227	420	9	proxy	proxy	NOUN
fsr-3227	420	10	for	for	ADP
fsr-3227	420	11	income	income	NOUN
fsr-3227	420	12	,	,	PUNCT
fsr-3227	420	13	include	include	VERB
fsr-3227	420	14	indicators	indicator	NOUN
fsr-3227	420	15	of	of	ADP
fsr-3227	420	16	having	have	VERB
fsr-3227	420	17	a	a	DET
fsr-3227	420	18	credit	credit	NOUN
fsr-3227	420	19	card	card	NOUN
fsr-3227	420	20	(	(	PUNCT
fsr-3227	420	21	�	�	NOUN
fsr-3227	420	22	1	1	NUM
fsr-3227	420	23	)	)	PUNCT
fsr-3227	420	24	,	,	PUNCT
fsr-3227	420	25	responsibility	responsibility	NOUN
fsr-3227	420	26	for	for	ADP
fsr-3227	420	27	paying	pay	VERB
fsr-3227	420	28	a	a	DET
fsr-3227	420	29	credit	credit	NOUN
fsr-3227	420	30	card	card	NOUN
fsr-3227	420	31	bill	bill	NOUN
fsr-3227	420	32	(	(	PUNCT
fsr-3227	420	33	�	�	PROPN
fsr-3227	420	34	1	1	NUM
fsr-3227	420	35	)	)	PUNCT
fsr-3227	420	36	,	,	PUNCT
fsr-3227	420	37	and	and	CCONJ
fsr-3227	420	38	an	an	DET
fsr-3227	420	39	interaction	interaction	NOUN
fsr-3227	420	40	term	term	NOUN
fsr-3227	420	41	that	that	PRON
fsr-3227	420	42	equals	equal	VERB
fsr-3227	420	43	one	one	NUM
fsr-3227	420	44	if	if	SCONJ
fsr-3227	420	45	the	the	DET
fsr-3227	420	46	student	student	NOUN
fsr-3227	420	47	has	have	VERB
fsr-3227	420	48	and	and	CCONJ
fsr-3227	420	49	pays	pay	VERB
fsr-3227	420	50	a	a	DET
fsr-3227	420	51	credit	credit	NOUN
fsr-3227	420	52	card	card	NOUN
fsr-3227	420	53	.	.	PUNCT
fsr-3227	421	1	none	none	NOUN
fsr-3227	421	2	of	of	ADP
fsr-3227	421	3	these	these	DET
fsr-3227	421	4	indicators	indicator	NOUN
fsr-3227	421	5	is	be	AUX
fsr-3227	421	6	significant	significant	ADJ
fsr-3227	421	7	to	to	ADP
fsr-3227	421	8	interest	interest	NOUN
fsr-3227	421	9	in	in	ADP
fsr-3227	421	10	learning	learn	VERB
fsr-3227	421	11	about	about	ADP
fsr-3227	421	12	credit	credit	NOUN
fsr-3227	421	13	cards	card	NOUN
fsr-3227	421	14	while	while	SCONJ
fsr-3227	421	15	in	in	ADP
fsr-3227	421	16	college	college	NOUN
fsr-3227	421	17	.	.	PUNCT
fsr-3227	422	1	table	table	NOUN
fsr-3227	422	2	6	6	NUM
fsr-3227	422	3	shows	show	VERB
fsr-3227	422	4	results	result	NOUN
fsr-3227	422	5	for	for	ADP
fsr-3227	422	6	estimating	estimate	VERB
fsr-3227	422	7	the	the	DET
fsr-3227	422	8	demand	demand	NOUN
fsr-3227	422	9	for	for	ADP
fsr-3227	422	10	learning	learn	VERB
fsr-3227	422	11	about	about	ADP
fsr-3227	422	12	student	student	NOUN
fsr-3227	422	13	loans	loan	NOUN
fsr-3227	422	14	while	while	SCONJ
fsr-3227	422	15	in	in	ADP
fsr-3227	422	16	college	college	NOUN
fsr-3227	422	17	.	.	PUNCT
fsr-3227	423	1	the	the	DET
fsr-3227	423	2	pseudo	pseudo	NOUN
fsr-3227	423	3	r2	r2	NOUN
fsr-3227	423	4	from	from	ADP
fsr-3227	423	5	estimating	estimate	VERB
fsr-3227	423	6	eq	eq	ADP
fsr-3227	423	7	.	.	PUNCT
fsr-3227	424	1	(	(	PUNCT
fsr-3227	424	2	1	1	X
fsr-3227	424	3	)	)	PUNCT
fsr-3227	424	4	in	in	ADP
fsr-3227	424	5	model	model	NOUN
fsr-3227	424	6	1	1	NUM
fsr-3227	424	7	is	be	AUX
fsr-3227	424	8	15	15	NUM
fsr-3227	424	9	%	%	NOUN
fsr-3227	424	10	.	.	PUNCT
fsr-3227	425	1	both	both	PRON
fsr-3227	425	2	income	income	NOUN
fsr-3227	425	3	range	range	NOUN
fsr-3227	425	4	and	and	CCONJ
fsr-3227	425	5	employment	employment	NOUN
fsr-3227	425	6	status	status	NOUN
fsr-3227	425	7	are	be	AUX
fsr-3227	425	8	positive	positive	ADJ
fsr-3227	425	9	and	and	CCONJ
fsr-3227	425	10	significant	significant	ADJ
fsr-3227	425	11	(	(	PUNCT
fsr-3227	425	12	p	p	NOUN
fsr-3227	425	13	values	value	NOUN
fsr-3227	425	14	are	be	AUX
fsr-3227	425	15	0.0001	0.0001	NUM
fsr-3227	425	16	and	and	CCONJ
fsr-3227	425	17	0.0025	0.0025	NUM
fsr-3227	425	18	,	,	PUNCT
fsr-3227	425	19	respectively	respectively	ADV
fsr-3227	425	20	)	)	PUNCT
fsr-3227	425	21	,	,	PUNCT
fsr-3227	425	22	but	but	CCONJ
fsr-3227	425	23	college	college	NOUN
fsr-3227	425	24	level	level	NOUN
fsr-3227	425	25	is	be	AUX
fsr-3227	425	26	not	not	PART
fsr-3227	425	27	significant	significant	ADJ
fsr-3227	425	28	when	when	SCONJ
fsr-3227	425	29	used	use	VERB
fsr-3227	425	30	as	as	ADP
fsr-3227	425	31	an	an	DET
fsr-3227	425	32	alternate	alternate	ADJ
fsr-3227	425	33	measure	measure	NOUN
fsr-3227	425	34	of	of	ADP
fsr-3227	425	35	income	income	NOUN
fsr-3227	425	36	.	.	PUNCT
fsr-3227	426	1	time	time	NOUN
fsr-3227	426	2	cost	cost	NOUN
fsr-3227	426	3	is	be	AUX
fsr-3227	426	4	marginally	marginally	ADV
fsr-3227	426	5	significant	significant	ADJ
fsr-3227	426	6	(	(	PUNCT
fsr-3227	426	7	p	p	NOUN
fsr-3227	426	8	value	value	NOUN
fsr-3227	426	9	�	�	PROPN
fsr-3227	426	10	0.0678	0.0678	NUM
fsr-3227	426	11	)	)	PUNCT
fsr-3227	426	12	and	and	CCONJ
fsr-3227	426	13	perceived	perceive	VERB
fsr-3227	426	14	return	return	NOUN
fsr-3227	426	15	,	,	PUNCT
fsr-3227	426	16	financial	financial	ADJ
fsr-3227	426	17	independence	independence	NOUN
fsr-3227	426	18	and	and	CCONJ
fsr-3227	426	19	gender	gender	NOUN
fsr-3227	426	20	are	be	AUX
fsr-3227	426	21	highly	highly	ADV
fsr-3227	426	22	significant	significant	ADJ
fsr-3227	426	23	(	(	PUNCT
fsr-3227	426	24	p	p	NOUN
fsr-3227	426	25	values	value	NOUN
fsr-3227	426	26	range	range	VERB
fsr-3227	426	27	from	from	ADP
fsr-3227	426	28	�	�	NOUN
fsr-3227	426	29	0.0001	0.0001	NUM
fsr-3227	426	30	to	to	ADP
fsr-3227	426	31	0.0006	0.0006	NUM
fsr-3227	426	32	)	)	PUNCT
fsr-3227	426	33	with	with	ADP
fsr-3227	426	34	females	female	NOUN
fsr-3227	426	35	relatively	relatively	ADV
fsr-3227	426	36	more	more	ADV
fsr-3227	426	37	interested	interested	ADJ
fsr-3227	426	38	in	in	ADP
fsr-3227	426	39	this	this	DET
fsr-3227	426	40	topic	topic	NOUN
fsr-3227	426	41	.	.	PUNCT
fsr-3227	427	1	having	have	VERB
fsr-3227	427	2	nonstudent	nonstudent	NOUN
fsr-3227	427	3	loan	loan	NOUN
fsr-3227	427	4	debt	debt	NOUN
fsr-3227	427	5	and	and	CCONJ
fsr-3227	427	6	the	the	DET
fsr-3227	427	7	alternate	alternate	ADJ
fsr-3227	427	8	measure	measure	NOUN
fsr-3227	427	9	of	of	ADP
fsr-3227	427	10	prior	prior	ADJ
fsr-3227	427	11	financial	financial	ADJ
fsr-3227	427	12	education	education	NOUN
fsr-3227	427	13	are	be	AUX
fsr-3227	427	14	insignificant	insignificant	ADJ
fsr-3227	427	15	to	to	PART
fsr-3227	427	16	demand	demand	VERB
fsr-3227	427	17	for	for	ADP
fsr-3227	427	18	learning	learn	VERB
fsr-3227	427	19	about	about	ADP
fsr-3227	427	20	student	student	NOUN
fsr-3227	427	21	loans	loan	NOUN
fsr-3227	427	22	.	.	PUNCT
fsr-3227	428	1	because	because	SCONJ
fsr-3227	428	2	few	few	ADJ
fsr-3227	428	3	students	student	NOUN
fsr-3227	428	4	are	be	AUX
fsr-3227	428	5	employed	employ	VERB
fsr-3227	428	6	full	full	ADJ
fsr-3227	428	7	time	time	NOUN
fsr-3227	428	8	,	,	PUNCT
fsr-3227	428	9	we	we	PRON
fsr-3227	428	10	collapse	collapse	VERB
fsr-3227	428	11	employment	employment	NOUN
fsr-3227	428	12	status	status	NOUN
fsr-3227	428	13	into	into	ADP
fsr-3227	428	14	an	an	DET
fsr-3227	428	15	indicator	indicator	NOUN
fsr-3227	428	16	of	of	ADP
fsr-3227	428	17	working	work	VERB
fsr-3227	428	18	(	(	PUNCT
fsr-3227	428	19	�	�	NOUN
fsr-3227	428	20	1	1	NUM
fsr-3227	428	21	)	)	PUNCT
fsr-3227	428	22	or	or	CCONJ
fsr-3227	428	23	not	not	PART
fsr-3227	428	24	as	as	ADP
fsr-3227	428	25	a	a	DET
fsr-3227	428	26	measure	measure	NOUN
fsr-3227	428	27	of	of	ADP
fsr-3227	428	28	income	income	NOUN
fsr-3227	428	29	and	and	CCONJ
fsr-3227	428	30	estimate	estimate	VERB
fsr-3227	428	31	eq	eq	ADJ
fsr-3227	428	32	.	.	PUNCT
fsr-3227	429	1	(	(	PUNCT
fsr-3227	429	2	2	2	NUM
fsr-3227	429	3	)	)	PUNCT
fsr-3227	429	4	.	.	PUNCT
fsr-3227	430	1	the	the	DET
fsr-3227	430	2	results	result	NOUN
fsr-3227	430	3	are	be	AUX
fsr-3227	430	4	displayed	display	VERB
fsr-3227	430	5	in	in	ADP
fsr-3227	430	6	model	model	NOUN
fsr-3227	430	7	2	2	NUM
fsr-3227	430	8	.	.	PUNCT
fsr-3227	431	1	the	the	DET
fsr-3227	431	2	working	work	VERB
fsr-3227	431	3	indicator	indicator	NOUN
fsr-3227	431	4	is	be	AUX
fsr-3227	431	5	positive	positive	ADJ
fsr-3227	431	6	and	and	CCONJ
fsr-3227	431	7	highly	highly	ADV
fsr-3227	431	8	significant	significant	ADJ
fsr-3227	431	9	(	(	PUNCT
fsr-3227	431	10	p	p	NOUN
fsr-3227	431	11	value	value	NOUN
fsr-3227	431	12	�	�	NOUN
fsr-3227	431	13	0.0001	0.0001	NUM
fsr-3227	431	14	)	)	PUNCT
fsr-3227	431	15	but	but	CCONJ
fsr-3227	431	16	reduces	reduce	VERB
fsr-3227	431	17	the	the	DET
fsr-3227	431	18	significance	significance	NOUN
fsr-3227	431	19	of	of	ADP
fsr-3227	431	20	financial	financial	ADJ
fsr-3227	431	21	independence	independence	NOUN
fsr-3227	431	22	and	and	CCONJ
fsr-3227	431	23	gender	gender	NOUN
fsr-3227	431	24	.	.	PUNCT
fsr-3227	432	1	the	the	DET
fsr-3227	432	2	alternate	alternate	ADJ
fsr-3227	432	3	table	table	NOUN
fsr-3227	432	4	5	5	NUM
fsr-3227	432	5	demand	demand	NOUN
fsr-3227	432	6	for	for	ADP
fsr-3227	432	7	learning	learn	VERB
fsr-3227	432	8	about	about	ADP
fsr-3227	432	9	credit	credit	NOUN
fsr-3227	432	10	cards	card	NOUN
fsr-3227	432	11	while	while	SCONJ
fsr-3227	432	12	in	in	ADP
fsr-3227	432	13	college	college	NOUN
fsr-3227	432	14	(	(	PUNCT
fsr-3227	432	15	1	1	NUM
fsr-3227	432	16	)	)	PUNCT
fsr-3227	432	17	(	(	PUNCT
fsr-3227	432	18	2	2	NUM
fsr-3227	432	19	)	)	PUNCT
fsr-3227	432	20	(	(	PUNCT
fsr-3227	432	21	3	3	X
fsr-3227	432	22	)	)	PUNCT
fsr-3227	432	23	estimate	estimate	NOUN
fsr-3227	432	24	p	p	NOUN
fsr-3227	432	25	value	value	NOUN
fsr-3227	432	26	estimate	estimate	NOUN
fsr-3227	432	27	p	p	NOUN
fsr-3227	432	28	value	value	NOUN
fsr-3227	432	29	estimate	estimate	NOUN
fsr-3227	432	30	p	p	NOUN
fsr-3227	432	31	value	value	NOUN
fsr-3227	432	32	intercept	intercept	NOUN
fsr-3227	432	33	�	�	PROPN
fsr-3227	432	34	7.53	7.53	NUM
fsr-3227	432	35	�	�	PROPN
fsr-3227	432	36	0.0001	0.0001	NUM
fsr-3227	432	37	�	�	PROPN
fsr-3227	432	38	8.13	8.13	NUM
fsr-3227	432	39	�	�	NUM
fsr-3227	432	40	0.0001	0.0001	NUM
fsr-3227	432	41	�	�	PROPN
fsr-3227	432	42	7.93	7.93	NUM
fsr-3227	432	43	�	�	NOUN
fsr-3227	432	44	0.0001	0.0001	NUM
fsr-3227	432	45	intercept	intercept	PROPN
fsr-3227	432	46	�	�	PROPN
fsr-3227	432	47	5.76	5.76	NUM
fsr-3227	432	48	�	�	PROPN
fsr-3227	432	49	0.0001	0.0001	NUM
fsr-3227	432	50	�	�	PROPN
fsr-3227	432	51	6.41	6.41	NUM
fsr-3227	432	52	�	�	NUM
fsr-3227	432	53	0.0001	0.0001	NUM
fsr-3227	432	54	�	�	PROPN
fsr-3227	432	55	6.14	6.14	NUM
fsr-3227	432	56	�	�	NOUN
fsr-3227	432	57	0.0001	0.0001	NUM
fsr-3227	432	58	intercept	intercept	NOUN
fsr-3227	432	59	�	�	PROPN
fsr-3227	432	60	4.57	4.57	NUM
fsr-3227	432	61	�	�	PROPN
fsr-3227	432	62	0.0001	0.0001	NUM
fsr-3227	432	63	�	�	PROPN
fsr-3227	432	64	5.27	5.27	NUM
fsr-3227	432	65	�	�	PROPN
fsr-3227	432	66	0.0001	0.0001	NUM
fsr-3227	432	67	�	�	PROPN
fsr-3227	432	68	4.95	4.95	NUM
fsr-3227	432	69	�	�	NOUN
fsr-3227	432	70	0.0001	0.0001	NUM
fsr-3227	432	71	intercept	intercept	NOUN
fsr-3227	432	72	�	�	PROPN
fsr-3227	432	73	2.98	2.98	NUM
fsr-3227	432	74	�	�	NOUN
fsr-3227	432	75	0.0001	0.0001	NUM
fsr-3227	432	76	�	�	PROPN
fsr-3227	432	77	3.71	3.71	NUM
fsr-3227	432	78	�	�	NUM
fsr-3227	432	79	0.0001	0.0001	NUM
fsr-3227	432	80	�	�	PROPN
fsr-3227	432	81	3.34	3.34	NUM
fsr-3227	432	82	�	�	NOUN
fsr-3227	432	83	0.0001	0.0001	NUM
fsr-3227	432	84	intercept	intercept	NOUN
fsr-3227	432	85	�	�	PROPN
fsr-3227	432	86	2.49	2.49	NUM
fsr-3227	432	87	�	�	NOUN
fsr-3227	432	88	0.0001	0.0001	NUM
fsr-3227	432	89	�	�	PROPN
fsr-3227	432	90	3.22	3.22	NUM
fsr-3227	432	91	�	�	PROPN
fsr-3227	432	92	0.0001	0.0001	NUM
fsr-3227	432	93	�	�	PROPN
fsr-3227	432	94	2.85	2.85	NUM
fsr-3227	432	95	�	�	NOUN
fsr-3227	432	96	0.0001	0.0001	NUM
fsr-3227	432	97	intercept	intercept	NOUN
fsr-3227	432	98	�	�	PROPN
fsr-3227	432	99	1.25	1.25	NUM
fsr-3227	432	100	0.0471	0.0471	NUM
fsr-3227	432	101	�	�	PROPN
fsr-3227	432	102	1.94	1.94	NUM
fsr-3227	432	103	0.0069	0.0069	NUM
fsr-3227	432	104	�	�	PROPN
fsr-3227	432	105	1.60	1.60	NUM
fsr-3227	432	106	0.0218	0.0218	NUM
fsr-3227	432	107	income	income	NOUN
fsr-3227	432	108	�	�	NOUN
fsr-3227	432	109	0.02	0.02	NUM
fsr-3227	432	110	0.8778	0.8778	NUM
fsr-3227	432	111	0.20	0.20	NUM
fsr-3227	432	112	0.0084	0.0084	NUM
fsr-3227	432	113	0.15	0.15	NUM
fsr-3227	432	114	0.0605	0.0605	NUM
fsr-3227	432	115	patience	patience	NOUN
fsr-3227	432	116	0.12	0.12	NUM
fsr-3227	432	117	0.4603	0.4603	NUM
fsr-3227	432	118	0.12	0.12	NUM
fsr-3227	432	119	0.4789	0.4789	NUM
fsr-3227	432	120	cost	cost	NOUN
fsr-3227	432	121	0.38	0.38	NUM
fsr-3227	432	122	�	�	NOUN
fsr-3227	432	123	0.0001	0.0001	NUM
fsr-3227	432	124	0.37	0.37	NUM
fsr-3227	432	125	�	�	NOUN
fsr-3227	432	126	0.0001	0.0001	NUM
fsr-3227	432	127	stock	stock	NOUN
fsr-3227	432	128	0.37	0.37	NUM
fsr-3227	432	129	0.0614	0.0614	NUM
fsr-3227	432	130	0.25	0.25	NUM
fsr-3227	432	131	0.2127	0.2127	NUM
fsr-3227	432	132	return	return	NOUN
fsr-3227	432	133	0.72	0.72	NUM
fsr-3227	432	134	�	�	NOUN
fsr-3227	432	135	0.0001	0.0001	NUM
fsr-3227	432	136	0.84	0.84	NUM
fsr-3227	432	137	�	�	NOUN
fsr-3227	432	138	0.0001	0.0001	NUM
fsr-3227	432	139	0.74	0.74	NUM
fsr-3227	432	140	�	�	NOUN
fsr-3227	432	141	0.0001	0.0001	NUM
fsr-3227	432	142	net	net	ADJ
fsr-3227	432	143	�	�	PROPN
fsr-3227	432	144	0.03	0.03	NUM
fsr-3227	432	145	0.6666	0.6666	NUM
fsr-3227	432	146	�	�	NOUN
fsr-3227	432	147	0.05	0.05	NUM
fsr-3227	432	148	0.3924	0.3924	NUM
fsr-3227	432	149	gender	gender	NOUN
fsr-3227	432	150	0.55	0.55	NUM
fsr-3227	432	151	0.0012	0.0012	NUM
fsr-3227	432	152	0.40	0.40	NUM
fsr-3227	432	153	0.0167	0.0167	NUM
fsr-3227	432	154	0.56	0.56	NUM
fsr-3227	432	155	0.0011	0.0011	NUM
fsr-3227	432	156	math	math	NOUN
fsr-3227	432	157	0.11	0.11	NUM
fsr-3227	432	158	0.3034	0.3034	NUM
fsr-3227	432	159	has	have	VERB
fsr-3227	432	160	card	card	NOUN
fsr-3227	432	161	�	�	PROPN
fsr-3227	432	162	0.30	0.30	NUM
fsr-3227	432	163	0.4150	0.4150	NUM
fsr-3227	432	164	pays	pay	NOUN
fsr-3227	432	165	card	card	NOUN
fsr-3227	432	166	�	�	PROPN
fsr-3227	432	167	0.01	0.01	NUM
fsr-3227	432	168	0.7914	0.7914	NUM
fsr-3227	432	169	has	have	AUX
fsr-3227	432	170	x	x	PRON
fsr-3227	432	171	pays	pay	VERB
fsr-3227	432	172	0.07	0.07	NUM
fsr-3227	432	173	0.2950	0.2950	NUM
fsr-3227	432	174	psuedo	psuedo	ADJ
fsr-3227	432	175	r2	r2	NOUN
fsr-3227	432	176	0.21	0.21	NUM
fsr-3227	432	177	0.17	0.17	NUM
fsr-3227	432	178	0.22	0.22	NUM
fsr-3227	432	179	note	note	NOUN
fsr-3227	432	180	:	:	PUNCT
fsr-3227	432	181	the	the	DET
fsr-3227	432	182	dependent	dependent	ADJ
fsr-3227	432	183	variable	variable	NOUN
fsr-3227	432	184	is	be	AUX
fsr-3227	432	185	interest	interest	NOUN
fsr-3227	432	186	in	in	ADP
fsr-3227	432	187	learning	learn	VERB
fsr-3227	432	188	about	about	ADP
fsr-3227	432	189	credit	credit	NOUN
fsr-3227	432	190	cards	card	NOUN
fsr-3227	432	191	while	while	SCONJ
fsr-3227	432	192	in	in	ADP
fsr-3227	432	193	college	college	NOUN
fsr-3227	432	194	measured	measure	VERB
fsr-3227	432	195	on	on	ADP
fsr-3227	432	196	a	a	DET
fsr-3227	432	197	7	7	NUM
fsr-3227	432	198	-	-	PUNCT
fsr-3227	432	199	point	point	NOUN
fsr-3227	432	200	scale	scale	NOUN
fsr-3227	432	201	(	(	PUNCT
fsr-3227	432	202	1	1	NUM
fsr-3227	432	203	�	�	PROPN
fsr-3227	432	204	strongly	strongly	ADV
fsr-3227	432	205	disagree	disagree	VERB
fsr-3227	432	206	,	,	PUNCT
fsr-3227	432	207	7	7	NUM
fsr-3227	432	208	�	�	NOUN
fsr-3227	432	209	strongly	strongly	ADV
fsr-3227	432	210	agree	agree	VERB
fsr-3227	432	211	)	)	PUNCT
fsr-3227	432	212	.	.	PUNCT
fsr-3227	433	1	model	model	NOUN
fsr-3227	433	2	(	(	PUNCT
fsr-3227	433	3	1	1	X
fsr-3227	433	4	)	)	PUNCT
fsr-3227	433	5	is	be	AUX
fsr-3227	433	6	the	the	DET
fsr-3227	433	7	estimation	estimation	NOUN
fsr-3227	433	8	of	of	ADP
fsr-3227	433	9	eq	eq	PROPN
fsr-3227	433	10	.	.	PUNCT
fsr-3227	434	1	(	(	PUNCT
fsr-3227	434	2	1	1	NUM
fsr-3227	434	3	)	)	PUNCT
fsr-3227	434	4	.	.	PUNCT
fsr-3227	435	1	model	model	NOUN
fsr-3227	435	2	(	(	PUNCT
fsr-3227	435	3	2	2	X
fsr-3227	435	4	)	)	PUNCT
fsr-3227	435	5	is	be	AUX
fsr-3227	435	6	the	the	DET
fsr-3227	435	7	estimation	estimation	NOUN
fsr-3227	435	8	of	of	ADP
fsr-3227	435	9	eq	eq	PROPN
fsr-3227	435	10	.	.	PUNCT
fsr-3227	436	1	(	(	PUNCT
fsr-3227	436	2	2	2	NUM
fsr-3227	436	3	)	)	PUNCT
fsr-3227	436	4	with	with	ADP
fsr-3227	436	5	college	college	NOUN
fsr-3227	436	6	level	level	NOUN
fsr-3227	436	7	approximating	approximate	VERB
fsr-3227	436	8	expected	expect	VERB
fsr-3227	436	9	income	income	NOUN
fsr-3227	436	10	.	.	PUNCT
fsr-3227	437	1	model	model	NOUN
fsr-3227	437	2	(	(	PUNCT
fsr-3227	437	3	3	3	X
fsr-3227	437	4	)	)	PUNCT
fsr-3227	437	5	contains	contain	VERB
fsr-3227	437	6	estimates	estimate	NOUN
fsr-3227	437	7	from	from	ADP
fsr-3227	437	8	eq	eq	PROPN
fsr-3227	437	9	.	.	PUNCT
fsr-3227	438	1	(	(	PUNCT
fsr-3227	438	2	1	1	X
fsr-3227	438	3	)	)	PUNCT
fsr-3227	438	4	with	with	ADP
fsr-3227	438	5	college	college	NOUN
fsr-3227	438	6	level	level	NOUN
fsr-3227	438	7	for	for	ADP
fsr-3227	438	8	income	income	NOUN
fsr-3227	438	9	,	,	PUNCT
fsr-3227	438	10	has	have	VERB
fsr-3227	438	11	card	card	NOUN
fsr-3227	438	12	as	as	ADP
fsr-3227	438	13	an	an	DET
fsr-3227	438	14	indicator	indicator	NOUN
fsr-3227	438	15	that	that	PRON
fsr-3227	438	16	the	the	DET
fsr-3227	438	17	student	student	NOUN
fsr-3227	438	18	has	have	VERB
fsr-3227	438	19	a	a	DET
fsr-3227	438	20	credit	credit	NOUN
fsr-3227	438	21	card	card	NOUN
fsr-3227	438	22	(	(	PUNCT
fsr-3227	438	23	�	�	NOUN
fsr-3227	438	24	1	1	NUM
fsr-3227	438	25	)	)	PUNCT
fsr-3227	438	26	,	,	PUNCT
fsr-3227	438	27	pays	pay	VERB
fsr-3227	438	28	card	card	NOUN
fsr-3227	438	29	as	as	ADP
fsr-3227	438	30	the	the	DET
fsr-3227	438	31	percentage	percentage	NOUN
fsr-3227	438	32	of	of	ADP
fsr-3227	438	33	the	the	DET
fsr-3227	438	34	credit	credit	NOUN
fsr-3227	438	35	card	card	NOUN
fsr-3227	438	36	bill	bill	NOUN
fsr-3227	438	37	paid	pay	VERB
fsr-3227	438	38	by	by	ADP
fsr-3227	438	39	the	the	DET
fsr-3227	438	40	student	student	NOUN
fsr-3227	438	41	measured	measure	VERB
fsr-3227	438	42	on	on	ADP
fsr-3227	438	43	a	a	DET
fsr-3227	438	44	5	5	NUM
fsr-3227	438	45	-	-	PUNCT
fsr-3227	438	46	point	point	NOUN
fsr-3227	438	47	scale	scale	NOUN
fsr-3227	438	48	(	(	PUNCT
fsr-3227	438	49	1	1	NUM
fsr-3227	438	50	�	�	PROPN
fsr-3227	438	51	0	0	NUM
fsr-3227	438	52	%	%	NOUN
fsr-3227	438	53	,	,	PUNCT
fsr-3227	438	54	5	5	NUM
fsr-3227	438	55	�	�	PROPN
fsr-3227	438	56	100	100	NUM
fsr-3227	438	57	%	%	NOUN
fsr-3227	438	58	)	)	PUNCT
fsr-3227	438	59	,	,	PUNCT
fsr-3227	438	60	and	and	CCONJ
fsr-3227	438	61	has	have	AUX
fsr-3227	438	62	x	x	PROPN
fsr-3227	438	63	pays	pay	NOUN
fsr-3227	438	64	as	as	ADP
fsr-3227	438	65	an	an	DET
fsr-3227	438	66	interaction	interaction	NOUN
fsr-3227	438	67	term	term	NOUN
fsr-3227	438	68	for	for	SCONJ
fsr-3227	438	69	has	have	VERB
fsr-3227	438	70	credit	credit	NOUN
fsr-3227	438	71	card	card	NOUN
fsr-3227	438	72	and	and	CCONJ
fsr-3227	438	73	pays	pay	VERB
fsr-3227	438	74	credit	credit	NOUN
fsr-3227	438	75	card	card	NOUN
fsr-3227	438	76	.	.	PUNCT
fsr-3227	439	1	the	the	DET
fsr-3227	439	2	results	result	NOUN
fsr-3227	439	3	are	be	AUX
fsr-3227	439	4	maximum	maximum	ADJ
fsr-3227	439	5	likelihood	likelihood	NOUN
fsr-3227	439	6	estimates	estimate	NOUN
fsr-3227	439	7	with	with	ADP
fsr-3227	439	8	the	the	DET
fsr-3227	439	9	highest	high	ADJ
fsr-3227	439	10	value	value	NOUN
fsr-3227	439	11	of	of	ADP
fsr-3227	439	12	the	the	DET
fsr-3227	439	13	dependent	dependent	ADJ
fsr-3227	439	14	variable	variable	NOUN
fsr-3227	439	15	(	(	PUNCT
fsr-3227	439	16	�	�	PROPN
fsr-3227	439	17	7	7	NUM
fsr-3227	439	18	)	)	PUNCT
fsr-3227	439	19	as	as	ADP
fsr-3227	439	20	the	the	DET
fsr-3227	439	21	reference	reference	NOUN
fsr-3227	439	22	.	.	PUNCT
fsr-3227	440	1	the	the	DET
fsr-3227	440	2	intercepts	intercept	NOUN
fsr-3227	440	3	reference	reference	VERB
fsr-3227	440	4	the	the	DET
fsr-3227	440	5	lower	low	ADJ
fsr-3227	440	6	values	value	NOUN
fsr-3227	440	7	for	for	ADP
fsr-3227	440	8	the	the	DET
fsr-3227	440	9	dependent	dependent	ADJ
fsr-3227	440	10	variable	variable	NOUN
fsr-3227	440	11	.	.	PUNCT
fsr-3227	441	1	the	the	DET
fsr-3227	441	2	p	p	PROPN
fsr-3227	441	3	values	value	NOUN
fsr-3227	441	4	are	be	AUX
fsr-3227	441	5	for	for	ADP
fsr-3227	441	6	wald	wald	PROPN
fsr-3227	441	7	�	�	PROPN
fsr-3227	441	8	2	2	NUM
fsr-3227	441	9	statistics	statistic	NOUN
fsr-3227	441	10	.	.	PUNCT
fsr-3227	442	1	368	368	NUM
fsr-3227	442	2	c.	c.	PROPN
fsr-3227	442	3	harrington	harrington	PROPN
fsr-3227	442	4	,	,	PUNCT
fsr-3227	442	5	w.	w.	PROPN
fsr-3227	442	6	smith	smith	PROPN
fsr-3227	442	7	/	/	SYM
fsr-3227	442	8	financial	financial	ADJ
fsr-3227	442	9	services	service	NOUN
fsr-3227	442	10	review	review	VERB
fsr-3227	442	11	25	25	NUM
fsr-3227	442	12	(	(	PUNCT
fsr-3227	442	13	2016	2016	NUM
fsr-3227	442	14	)	)	PUNCT
fsr-3227	443	1	351–372	351–372	NUM
fsr-3227	443	2	math	math	NOUN
fsr-3227	443	3	ability	ability	NOUN
fsr-3227	443	4	measures	measure	NOUN
fsr-3227	443	5	are	be	AUX
fsr-3227	443	6	not	not	PART
fsr-3227	443	7	significant	significant	ADJ
fsr-3227	443	8	.	.	PUNCT
fsr-3227	444	1	we	we	PRON
fsr-3227	444	2	retain	retain	VERB
fsr-3227	444	3	the	the	DET
fsr-3227	444	4	working	work	VERB
fsr-3227	444	5	indicator	indicator	NOUN
fsr-3227	444	6	for	for	ADP
fsr-3227	444	7	income	income	NOUN
fsr-3227	444	8	in	in	ADP
fsr-3227	444	9	model	model	NOUN
fsr-3227	444	10	3	3	NUM
fsr-3227	444	11	and	and	CCONJ
fsr-3227	444	12	add	add	VERB
fsr-3227	444	13	an	an	DET
fsr-3227	444	14	indicator	indicator	NOUN
fsr-3227	444	15	for	for	ADP
fsr-3227	444	16	having	have	VERB
fsr-3227	444	17	a	a	DET
fsr-3227	444	18	student	student	NOUN
fsr-3227	444	19	loan	loan	NOUN
fsr-3227	444	20	(	(	PUNCT
fsr-3227	444	21	�	�	PROPN
fsr-3227	444	22	1	1	NUM
fsr-3227	444	23	)	)	PUNCT
fsr-3227	444	24	.	.	PUNCT
fsr-3227	445	1	the	the	DET
fsr-3227	445	2	student	student	NOUN
fsr-3227	445	3	loan	loan	NOUN
fsr-3227	445	4	indicator	indicator	NOUN
fsr-3227	445	5	is	be	AUX
fsr-3227	445	6	highly	highly	ADV
fsr-3227	445	7	significant	significant	ADJ
fsr-3227	445	8	(	(	PUNCT
fsr-3227	445	9	p	p	NOUN
fsr-3227	445	10	value	value	NOUN
fsr-3227	445	11	�	�	NOUN
fsr-3227	445	12	0.0001	0.0001	NUM
fsr-3227	445	13	)	)	PUNCT
fsr-3227	445	14	and	and	CCONJ
fsr-3227	445	15	dominates	dominate	VERB
fsr-3227	445	16	the	the	DET
fsr-3227	445	17	significance	significance	NOUN
fsr-3227	445	18	of	of	ADP
fsr-3227	445	19	working	working	NOUN
fsr-3227	445	20	and	and	CCONJ
fsr-3227	445	21	financial	financial	ADJ
fsr-3227	445	22	independence	independence	NOUN
fsr-3227	445	23	.	.	PUNCT
fsr-3227	446	1	results	result	NOUN
fsr-3227	446	2	from	from	ADP
fsr-3227	446	3	estimating	estimate	VERB
fsr-3227	446	4	the	the	DET
fsr-3227	446	5	demand	demand	NOUN
fsr-3227	446	6	for	for	ADP
fsr-3227	446	7	learning	learn	VERB
fsr-3227	446	8	about	about	ADP
fsr-3227	446	9	other	other	ADJ
fsr-3227	446	10	personal	personal	ADJ
fsr-3227	446	11	finance	finance	NOUN
fsr-3227	446	12	topics	topic	NOUN
fsr-3227	446	13	(	(	PUNCT
fsr-3227	446	14	leasing	leasing	NOUN
fsr-3227	446	15	,	,	PUNCT
fsr-3227	446	16	retirement	retirement	NOUN
fsr-3227	446	17	planning	planning	NOUN
fsr-3227	446	18	,	,	PUNCT
fsr-3227	446	19	etc	etc	X
fsr-3227	446	20	.	.	X
fsr-3227	446	21	)	)	PUNCT
fsr-3227	446	22	are	be	AUX
fsr-3227	446	23	displayed	display	VERB
fsr-3227	446	24	in	in	ADP
fsr-3227	446	25	table	table	NOUN
fsr-3227	446	26	7	7	NUM
fsr-3227	446	27	.	.	PUNCT
fsr-3227	447	1	the	the	DET
fsr-3227	447	2	results	result	NOUN
fsr-3227	447	3	from	from	ADP
fsr-3227	447	4	estimating	estimate	VERB
fsr-3227	447	5	eq	eq	ADP
fsr-3227	447	6	.	.	PUNCT
fsr-3227	448	1	(	(	PUNCT
fsr-3227	448	2	1	1	X
fsr-3227	448	3	)	)	PUNCT
fsr-3227	448	4	are	be	AUX
fsr-3227	448	5	in	in	ADP
fsr-3227	448	6	model	model	NOUN
fsr-3227	448	7	1	1	NUM
fsr-3227	448	8	with	with	ADP
fsr-3227	448	9	a	a	DET
fsr-3227	448	10	pseudo	pseudo	NOUN
fsr-3227	448	11	r2	r2	NOUN
fsr-3227	448	12	of	of	ADP
fsr-3227	448	13	36	36	NUM
fsr-3227	448	14	%	%	NOUN
fsr-3227	448	15	.	.	PUNCT
fsr-3227	449	1	cost	cost	NOUN
fsr-3227	449	2	,	,	PUNCT
fsr-3227	449	3	perceived	perceive	VERB
fsr-3227	449	4	return	return	NOUN
fsr-3227	449	5	,	,	PUNCT
fsr-3227	449	6	and	and	CCONJ
fsr-3227	449	7	financial	financial	ADJ
fsr-3227	449	8	independence	independence	NOUN
fsr-3227	449	9	are	be	AUX
fsr-3227	449	10	positive	positive	ADJ
fsr-3227	449	11	and	and	CCONJ
fsr-3227	449	12	significant	significant	ADJ
fsr-3227	449	13	(	(	PUNCT
fsr-3227	449	14	p	p	NOUN
fsr-3227	449	15	values	value	NOUN
fsr-3227	449	16	range	range	VERB
fsr-3227	449	17	from	from	ADP
fsr-3227	449	18	�	�	NOUN
fsr-3227	449	19	0.0001	0.0001	NUM
fsr-3227	449	20	to	to	ADP
fsr-3227	449	21	0.0033	0.0033	NUM
fsr-3227	449	22	)	)	PUNCT
fsr-3227	449	23	.	.	PUNCT
fsr-3227	450	1	patience	patience	NOUN
fsr-3227	450	2	in	in	ADP
fsr-3227	450	3	consumption	consumption	NOUN
fsr-3227	450	4	is	be	AUX
fsr-3227	450	5	marginally	marginally	ADV
fsr-3227	450	6	significant	significant	ADJ
fsr-3227	450	7	(	(	PUNCT
fsr-3227	450	8	p	p	NOUN
fsr-3227	450	9	value	value	NOUN
fsr-3227	450	10	�	�	PROPN
fsr-3227	450	11	0.0275	0.0275	NUM
fsr-3227	450	12	)	)	PUNCT
fsr-3227	450	13	with	with	ADP
fsr-3227	450	14	the	the	DET
fsr-3227	450	15	predicted	predict	VERB
fsr-3227	450	16	sign	sign	NOUN
fsr-3227	450	17	.	.	PUNCT
fsr-3227	451	1	income	income	NOUN
fsr-3227	451	2	,	,	PUNCT
fsr-3227	451	3	nonstudent	nonstudent	NOUN
fsr-3227	451	4	loan	loan	NOUN
fsr-3227	451	5	debt	debt	NOUN
fsr-3227	451	6	as	as	ADP
fsr-3227	451	7	the	the	DET
fsr-3227	451	8	stock	stock	NOUN
fsr-3227	451	9	variable	variable	NOUN
fsr-3227	451	10	,	,	PUNCT
fsr-3227	451	11	and	and	CCONJ
fsr-3227	451	12	gender	gender	NOUN
fsr-3227	451	13	are	be	AUX
fsr-3227	451	14	insignificant	insignificant	ADJ
fsr-3227	451	15	.	.	PUNCT
fsr-3227	452	1	in	in	ADP
fsr-3227	452	2	untabulated	untabulated	ADJ
fsr-3227	452	3	results	result	NOUN
fsr-3227	452	4	,	,	PUNCT
fsr-3227	452	5	eq	eq	NOUN
fsr-3227	452	6	.	.	PUNCT
fsr-3227	453	1	(	(	PUNCT
fsr-3227	453	2	1	1	X
fsr-3227	453	3	)	)	PUNCT
fsr-3227	453	4	is	be	AUX
fsr-3227	453	5	estimated	estimate	VERB
fsr-3227	453	6	with	with	ADP
fsr-3227	453	7	the	the	DET
fsr-3227	453	8	alternative	alternative	ADJ
fsr-3227	453	9	measures	measure	NOUN
fsr-3227	453	10	of	of	ADP
fsr-3227	453	11	income	income	NOUN
fsr-3227	453	12	and	and	CCONJ
fsr-3227	453	13	prior	prior	ADJ
fsr-3227	453	14	financial	financial	ADJ
fsr-3227	453	15	education	education	NOUN
fsr-3227	453	16	as	as	ADP
fsr-3227	453	17	a	a	DET
fsr-3227	453	18	proxy	proxy	NOUN
fsr-3227	453	19	for	for	ADP
fsr-3227	453	20	the	the	DET
fsr-3227	453	21	initial	initial	ADJ
fsr-3227	453	22	stock	stock	NOUN
fsr-3227	453	23	of	of	ADP
fsr-3227	453	24	financial	financial	ADJ
fsr-3227	453	25	literacy	literacy	NOUN
fsr-3227	453	26	.	.	PUNCT
fsr-3227	454	1	prior	prior	ADJ
fsr-3227	454	2	financial	financial	ADJ
fsr-3227	454	3	education	education	NOUN
fsr-3227	454	4	is	be	AUX
fsr-3227	454	5	positive	positive	ADJ
fsr-3227	454	6	and	and	CCONJ
fsr-3227	454	7	marginally	marginally	ADV
fsr-3227	454	8	significant	significant	ADJ
fsr-3227	454	9	indicating	indicate	VERB
fsr-3227	454	10	that	that	SCONJ
fsr-3227	454	11	students	student	NOUN
fsr-3227	454	12	without	without	ADP
fsr-3227	454	13	prior	prior	ADJ
fsr-3227	454	14	financial	financial	ADJ
fsr-3227	454	15	education	education	NOUN
fsr-3227	454	16	are	be	AUX
fsr-3227	454	17	marginally	marginally	ADV
fsr-3227	454	18	more	more	ADV
fsr-3227	454	19	interested	interested	ADJ
fsr-3227	454	20	in	in	ADP
fsr-3227	454	21	learning	learn	VERB
fsr-3227	454	22	about	about	ADP
fsr-3227	454	23	other	other	ADJ
fsr-3227	454	24	personal	personal	ADJ
fsr-3227	454	25	finance	finance	NOUN
fsr-3227	454	26	topics	topic	NOUN
fsr-3227	454	27	.	.	PUNCT
fsr-3227	455	1	in	in	ADP
fsr-3227	455	2	model	model	NOUN
fsr-3227	455	3	2	2	NUM
fsr-3227	455	4	,	,	PUNCT
fsr-3227	455	5	self	self	NOUN
fsr-3227	455	6	-	-	PUNCT
fsr-3227	455	7	reported	report	VERB
fsr-3227	455	8	math	math	NOUN
fsr-3227	455	9	ability	ability	NOUN
fsr-3227	455	10	is	be	AUX
fsr-3227	455	11	positive	positive	ADJ
fsr-3227	455	12	and	and	CCONJ
fsr-3227	455	13	marginally	marginally	ADV
fsr-3227	455	14	significant	significant	ADJ
fsr-3227	455	15	when	when	SCONJ
fsr-3227	455	16	this	this	DET
fsr-3227	455	17	variable	variable	NOUN
fsr-3227	455	18	replaces	replace	VERB
fsr-3227	455	19	cost	cost	NOUN
fsr-3227	455	20	,	,	PUNCT
fsr-3227	455	21	patience	patience	NOUN
fsr-3227	455	22	in	in	ADP
fsr-3227	455	23	consumption	consumption	NOUN
fsr-3227	455	24	,	,	PUNCT
fsr-3227	455	25	and	and	CCONJ
fsr-3227	455	26	the	the	DET
fsr-3227	455	27	stock	stock	NOUN
fsr-3227	455	28	of	of	ADP
fsr-3227	455	29	financial	financial	ADJ
fsr-3227	455	30	literacy	literacy	NOUN
fsr-3227	455	31	(	(	PUNCT
fsr-3227	455	32	p	p	NOUN
fsr-3227	455	33	value	value	NOUN
fsr-3227	455	34	�	�	PROPN
fsr-3227	455	35	0.0846	0.0846	NUM
fsr-3227	455	36	)	)	PUNCT
fsr-3227	455	37	.	.	PUNCT
fsr-3227	456	1	the	the	DET
fsr-3227	456	2	other	other	ADJ
fsr-3227	456	3	numeracy	numeracy	NOUN
fsr-3227	456	4	variables	variable	NOUN
fsr-3227	456	5	are	be	AUX
fsr-3227	456	6	insignificant	insignificant	ADJ
fsr-3227	456	7	.	.	PUNCT
fsr-3227	457	1	model	model	NOUN
fsr-3227	457	2	3	3	NUM
fsr-3227	457	3	is	be	AUX
fsr-3227	457	4	the	the	DET
fsr-3227	457	5	reconfiguration	reconfiguration	NOUN
fsr-3227	457	6	of	of	ADP
fsr-3227	457	7	eq	eq	PROPN
fsr-3227	457	8	.	.	PUNCT
fsr-3227	458	1	(	(	PUNCT
fsr-3227	458	2	1	1	X
fsr-3227	458	3	)	)	PUNCT
fsr-3227	458	4	with	with	ADP
fsr-3227	458	5	prior	prior	ADJ
fsr-3227	458	6	financial	financial	ADJ
fsr-3227	458	7	education	education	NOUN
fsr-3227	458	8	approximating	approximate	VERB
fsr-3227	458	9	the	the	DET
fsr-3227	458	10	stock	stock	NOUN
fsr-3227	458	11	variable	variable	NOUN
fsr-3227	458	12	and	and	CCONJ
fsr-3227	458	13	self	self	NOUN
fsr-3227	458	14	-	-	PUNCT
fsr-3227	458	15	reported	report	VERB
fsr-3227	458	16	math	math	NOUN
fsr-3227	458	17	ability	ability	NOUN
fsr-3227	458	18	as	as	ADP
fsr-3227	458	19	an	an	DET
fsr-3227	458	20	additional	additional	ADJ
fsr-3227	458	21	variable	variable	NOUN
fsr-3227	458	22	.	.	PUNCT
fsr-3227	459	1	self	self	NOUN
fsr-3227	459	2	-	-	PUNCT
fsr-3227	459	3	reported	report	VERB
fsr-3227	459	4	math	math	NOUN
fsr-3227	459	5	ability	ability	NOUN
fsr-3227	459	6	is	be	AUX
fsr-3227	459	7	marginally	marginally	ADV
fsr-3227	459	8	significant	significant	ADJ
fsr-3227	459	9	(	(	PUNCT
fsr-3227	459	10	p	p	NOUN
fsr-3227	459	11	value	value	NOUN
fsr-3227	459	12	�	�	PROPN
fsr-3227	459	13	0.0572	0.0572	NUM
fsr-3227	459	14	)	)	PUNCT
fsr-3227	459	15	table	table	NOUN
fsr-3227	459	16	6	6	NUM
fsr-3227	459	17	demand	demand	NOUN
fsr-3227	459	18	for	for	ADP
fsr-3227	459	19	learning	learn	VERB
fsr-3227	459	20	about	about	ADP
fsr-3227	459	21	student	student	NOUN
fsr-3227	459	22	loans	loan	NOUN
fsr-3227	459	23	while	while	SCONJ
fsr-3227	459	24	in	in	ADP
fsr-3227	459	25	college	college	NOUN
fsr-3227	459	26	(	(	PUNCT
fsr-3227	459	27	1	1	NUM
fsr-3227	459	28	)	)	PUNCT
fsr-3227	459	29	(	(	PUNCT
fsr-3227	459	30	2	2	NUM
fsr-3227	459	31	)	)	PUNCT
fsr-3227	459	32	(	(	PUNCT
fsr-3227	459	33	3	3	X
fsr-3227	459	34	)	)	PUNCT
fsr-3227	459	35	estimate	estimate	NOUN
fsr-3227	459	36	p	p	NOUN
fsr-3227	459	37	value	value	NOUN
fsr-3227	459	38	estimate	estimate	NOUN
fsr-3227	459	39	p	p	NOUN
fsr-3227	459	40	value	value	NOUN
fsr-3227	459	41	estimate	estimate	NOUN
fsr-3227	459	42	p	p	NOUN
fsr-3227	459	43	value	value	NOUN
fsr-3227	459	44	intercept	intercept	NOUN
fsr-3227	459	45	�	�	PROPN
fsr-3227	459	46	5.68	5.68	NUM
fsr-3227	459	47	�	�	NUM
fsr-3227	459	48	0.0001	0.0001	NUM
fsr-3227	459	49	�	�	PROPN
fsr-3227	459	50	5.47	5.47	NUM
fsr-3227	459	51	�	�	NOUN
fsr-3227	459	52	0.0001	0.0001	NUM
fsr-3227	459	53	�	�	PROPN
fsr-3227	459	54	7.86	7.86	NUM
fsr-3227	459	55	�	�	NOUN
fsr-3227	459	56	0.0001	0.0001	NUM
fsr-3227	459	57	intercept	intercept	NOUN
fsr-3227	459	58	�	�	PROPN
fsr-3227	459	59	4.50	4.50	NUM
fsr-3227	459	60	�	�	NOUN
fsr-3227	459	61	0.0001	0.0001	NUM
fsr-3227	459	62	�	�	PROPN
fsr-3227	459	63	4.27	4.27	NUM
fsr-3227	459	64	�	�	PROPN
fsr-3227	459	65	0.0001	0.0001	NUM
fsr-3227	459	66	�	�	PROPN
fsr-3227	459	67	6.45	6.45	NUM
fsr-3227	459	68	�	�	NOUN
fsr-3227	459	69	0.0001	0.0001	NUM
fsr-3227	459	70	intercept	intercept	NOUN
fsr-3227	459	71	�	�	PROPN
fsr-3227	459	72	3.69	3.69	NUM
fsr-3227	459	73	�	�	NOUN
fsr-3227	459	74	0.0001	0.0001	NUM
fsr-3227	459	75	�	�	PROPN
fsr-3227	459	76	3.46	3.46	NUM
fsr-3227	459	77	�	�	NOUN
fsr-3227	459	78	0.0001	0.0001	NUM
fsr-3227	459	79	�	�	PROPN
fsr-3227	459	80	5.43	5.43	NUM
fsr-3227	459	81	�	�	NOUN
fsr-3227	459	82	0.0001	0.0001	NUM
fsr-3227	459	83	intercept	intercept	NOUN
fsr-3227	459	84	�	�	PROPN
fsr-3227	459	85	2.69	2.69	NUM
fsr-3227	459	86	�	�	NOUN
fsr-3227	459	87	0.0001	0.0001	NUM
fsr-3227	459	88	�	�	PROPN
fsr-3227	459	89	2.45	2.45	NUM
fsr-3227	459	90	0.0002	0.0002	NUM
fsr-3227	459	91	�	�	PROPN
fsr-3227	459	92	4.21	4.21	NUM
fsr-3227	459	93	�	�	PROPN
fsr-3227	459	94	0.0001	0.0001	NUM
fsr-3227	459	95	intercept	intercept	NOUN
fsr-3227	459	96	�	�	PROPN
fsr-3227	459	97	2.46	2.46	NUM
fsr-3227	459	98	�	�	PROPN
fsr-3227	459	99	0.0001	0.0001	NUM
fsr-3227	459	100	�	�	PROPN
fsr-3227	459	101	2.23	2.23	NUM
fsr-3227	459	102	0.0008	0.0008	NUM
fsr-3227	459	103	�	�	PROPN
fsr-3227	459	104	3.95	3.95	NUM
fsr-3227	459	105	�	�	NOUN
fsr-3227	459	106	0.0001	0.0001	NUM
fsr-3227	459	107	intercept	intercept	NOUN
fsr-3227	459	108	�	�	PROPN
fsr-3227	459	109	1.27	1.27	NUM
fsr-3227	459	110	0.0324	0.0324	NUM
fsr-3227	459	111	�	�	NUM
fsr-3227	459	112	1.04	1.04	NUM
fsr-3227	459	113	0.1164	0.1164	NUM
fsr-3227	459	114	�	�	PROPN
fsr-3227	459	115	2.64	2.64	NUM
fsr-3227	459	116	�	�	NOUN
fsr-3227	459	117	0.0001	0.0001	NUM
fsr-3227	459	118	income	income	NOUN
fsr-3227	459	119	�	�	NOUN
fsr-3227	459	120	0.30	0.30	NUM
fsr-3227	459	121	0.0025	0.0025	NUM
fsr-3227	459	122	0.65	0.65	NUM
fsr-3227	459	123	�	�	NOUN
fsr-3227	459	124	0.0001	0.0001	NUM
fsr-3227	459	125	0.23	0.23	NUM
fsr-3227	459	126	0.1928	0.1928	NUM
fsr-3227	459	127	patience	patience	NOUN
fsr-3227	459	128	0.06	0.06	NUM
fsr-3227	459	129	0.6901	0.6901	NUM
fsr-3227	459	130	0.04	0.04	NUM
fsr-3227	459	131	0.7905	0.7905	NUM
fsr-3227	459	132	cost	cost	NOUN
fsr-3227	459	133	0.13	0.13	NUM
fsr-3227	459	134	0.0678	0.0678	NUM
fsr-3227	459	135	0.11	0.11	NUM
fsr-3227	459	136	0.1126	0.1126	NUM
fsr-3227	459	137	stock	stock	NOUN
fsr-3227	459	138	0.31	0.31	NUM
fsr-3227	459	139	0.1070	0.1070	NUM
fsr-3227	459	140	�	�	NOUN
fsr-3227	459	141	0.48	0.48	NUM
fsr-3227	459	142	0.0161	0.0161	NUM
fsr-3227	459	143	return	return	NOUN
fsr-3227	459	144	0.54	0.54	NUM
fsr-3227	459	145	�	�	NOUN
fsr-3227	459	146	0.0001	0.0001	NUM
fsr-3227	459	147	0.58	0.58	NUM
fsr-3227	459	148	�	�	NOUN
fsr-3227	459	149	0.0001	0.0001	NUM
fsr-3227	459	150	0.67	0.67	NUM
fsr-3227	459	151	�	�	PROPN
fsr-3227	459	152	0.0001	0.0001	NUM
fsr-3227	459	153	net	net	NOUN
fsr-3227	459	154	0.23	0.23	NUM
fsr-3227	459	155	0.0002	0.0002	NUM
fsr-3227	459	156	0.15	0.15	NUM
fsr-3227	459	157	0.0174	0.0174	NUM
fsr-3227	459	158	0.02	0.02	NUM
fsr-3227	459	159	0.7268	0.7268	NUM
fsr-3227	459	160	gender	gender	NOUN
fsr-3227	459	161	0.57	0.57	NUM
fsr-3227	459	162	0.0006	0.0006	NUM
fsr-3227	459	163	0.42	0.42	NUM
fsr-3227	459	164	0.0112	0.0112	NUM
fsr-3227	459	165	0.41	0.41	NUM
fsr-3227	459	166	0.0173	0.0173	NUM
fsr-3227	459	167	math	math	PROPN
fsr-3227	459	168	�	�	PROPN
fsr-3227	459	169	0.17	0.17	NUM
fsr-3227	459	170	0.1244	0.1244	NUM
fsr-3227	459	171	loan	loan	NOUN
fsr-3227	459	172	2.25	2.25	NUM
fsr-3227	459	173	�	�	NOUN
fsr-3227	459	174	0.0001	0.0001	NUM
fsr-3227	459	175	psuedo	psuedo	ADJ
fsr-3227	459	176	r2	r2	NOUN
fsr-3227	459	177	0.15	0.15	NUM
fsr-3227	459	178	0.16	0.16	NUM
fsr-3227	459	179	0.37	0.37	NUM
fsr-3227	459	180	note	note	NOUN
fsr-3227	459	181	:	:	PUNCT
fsr-3227	459	182	the	the	DET
fsr-3227	459	183	dependent	dependent	ADJ
fsr-3227	459	184	variable	variable	NOUN
fsr-3227	459	185	is	be	AUX
fsr-3227	459	186	interest	interest	NOUN
fsr-3227	459	187	in	in	ADP
fsr-3227	459	188	learning	learn	VERB
fsr-3227	459	189	about	about	ADP
fsr-3227	459	190	student	student	NOUN
fsr-3227	459	191	loans	loan	NOUN
fsr-3227	459	192	while	while	SCONJ
fsr-3227	459	193	in	in	ADP
fsr-3227	459	194	college	college	NOUN
fsr-3227	459	195	measured	measure	VERB
fsr-3227	459	196	on	on	ADP
fsr-3227	459	197	a	a	DET
fsr-3227	459	198	7	7	NUM
fsr-3227	459	199	-	-	PUNCT
fsr-3227	459	200	point	point	NOUN
fsr-3227	459	201	scale	scale	NOUN
fsr-3227	459	202	(	(	PUNCT
fsr-3227	459	203	1	1	NUM
fsr-3227	459	204	�	�	PROPN
fsr-3227	459	205	strongly	strongly	ADV
fsr-3227	459	206	disagree	disagree	VERB
fsr-3227	459	207	,	,	PUNCT
fsr-3227	459	208	7	7	NUM
fsr-3227	459	209	�	�	NOUN
fsr-3227	459	210	strongly	strongly	ADV
fsr-3227	459	211	agree	agree	VERB
fsr-3227	459	212	)	)	PUNCT
fsr-3227	459	213	.	.	PUNCT
fsr-3227	460	1	model	model	NOUN
fsr-3227	460	2	(	(	PUNCT
fsr-3227	460	3	1	1	X
fsr-3227	460	4	)	)	PUNCT
fsr-3227	460	5	is	be	AUX
fsr-3227	460	6	the	the	DET
fsr-3227	460	7	estimation	estimation	NOUN
fsr-3227	460	8	of	of	ADP
fsr-3227	460	9	eq	eq	PROPN
fsr-3227	460	10	.	.	PUNCT
fsr-3227	461	1	(	(	PUNCT
fsr-3227	461	2	1	1	NUM
fsr-3227	461	3	)	)	PUNCT
fsr-3227	461	4	.	.	PUNCT
fsr-3227	462	1	model	model	NOUN
fsr-3227	462	2	(	(	PUNCT
fsr-3227	462	3	2	2	X
fsr-3227	462	4	)	)	PUNCT
fsr-3227	462	5	is	be	AUX
fsr-3227	462	6	the	the	DET
fsr-3227	462	7	estimation	estimation	NOUN
fsr-3227	462	8	of	of	ADP
fsr-3227	462	9	eq	eq	PROPN
fsr-3227	462	10	.	.	PUNCT
fsr-3227	463	1	(	(	PUNCT
fsr-3227	463	2	2	2	NUM
fsr-3227	463	3	)	)	PUNCT
fsr-3227	463	4	with	with	ADP
fsr-3227	463	5	working	work	VERB
fsr-3227	463	6	as	as	ADP
fsr-3227	463	7	the	the	DET
fsr-3227	463	8	income	income	NOUN
fsr-3227	463	9	variable	variable	NOUN
fsr-3227	463	10	,	,	PUNCT
fsr-3227	463	11	an	an	DET
fsr-3227	463	12	indicator	indicator	NOUN
fsr-3227	463	13	equal	equal	ADJ
fsr-3227	463	14	to	to	ADP
fsr-3227	463	15	1	1	NUM
fsr-3227	463	16	if	if	SCONJ
fsr-3227	463	17	the	the	DET
fsr-3227	463	18	student	student	NOUN
fsr-3227	463	19	is	be	AUX
fsr-3227	463	20	employed	employ	VERB
fsr-3227	463	21	,	,	PUNCT
fsr-3227	463	22	0	0	NUM
fsr-3227	463	23	otherwise	otherwise	ADV
fsr-3227	463	24	.	.	PUNCT
fsr-3227	464	1	model	model	NOUN
fsr-3227	464	2	(	(	PUNCT
fsr-3227	464	3	3	3	X
fsr-3227	464	4	)	)	PUNCT
fsr-3227	464	5	contains	contain	VERB
fsr-3227	464	6	estimates	estimate	NOUN
fsr-3227	464	7	from	from	ADP
fsr-3227	464	8	eq	eq	PROPN
fsr-3227	464	9	.	.	PUNCT
fsr-3227	465	1	(	(	PUNCT
fsr-3227	465	2	1	1	NUM
fsr-3227	465	3	)	)	PUNCT
fsr-3227	465	4	with	with	ADP
fsr-3227	465	5	working	work	VERB
fsr-3227	465	6	as	as	ADP
fsr-3227	465	7	the	the	DET
fsr-3227	465	8	income	income	NOUN
fsr-3227	465	9	variable	variable	NOUN
fsr-3227	465	10	and	and	CCONJ
fsr-3227	465	11	loan	loan	NOUN
fsr-3227	465	12	as	as	ADP
fsr-3227	465	13	an	an	DET
fsr-3227	465	14	indicator	indicator	NOUN
fsr-3227	465	15	equal	equal	ADJ
fsr-3227	465	16	to	to	ADP
fsr-3227	465	17	1	1	NUM
fsr-3227	465	18	if	if	SCONJ
fsr-3227	465	19	the	the	DET
fsr-3227	465	20	student	student	NOUN
fsr-3227	465	21	has	have	VERB
fsr-3227	465	22	a	a	DET
fsr-3227	465	23	student	student	NOUN
fsr-3227	465	24	loan	loan	NOUN
fsr-3227	465	25	,	,	PUNCT
fsr-3227	465	26	0	0	NUM
fsr-3227	465	27	otherwise	otherwise	ADV
fsr-3227	465	28	.	.	PUNCT
fsr-3227	466	1	the	the	DET
fsr-3227	466	2	results	result	NOUN
fsr-3227	466	3	are	be	AUX
fsr-3227	466	4	maximum	maximum	ADJ
fsr-3227	466	5	likelihood	likelihood	NOUN
fsr-3227	466	6	estimates	estimate	NOUN
fsr-3227	466	7	with	with	ADP
fsr-3227	466	8	the	the	DET
fsr-3227	466	9	highest	high	ADJ
fsr-3227	466	10	value	value	NOUN
fsr-3227	466	11	of	of	ADP
fsr-3227	466	12	the	the	DET
fsr-3227	466	13	dependent	dependent	ADJ
fsr-3227	466	14	variable	variable	NOUN
fsr-3227	466	15	(	(	PUNCT
fsr-3227	466	16	�	�	PROPN
fsr-3227	466	17	7	7	NUM
fsr-3227	466	18	)	)	PUNCT
fsr-3227	466	19	as	as	ADP
fsr-3227	466	20	the	the	DET
fsr-3227	466	21	reference	reference	NOUN
fsr-3227	466	22	.	.	PUNCT
fsr-3227	467	1	the	the	DET
fsr-3227	467	2	intercepts	intercept	NOUN
fsr-3227	467	3	reference	reference	VERB
fsr-3227	467	4	the	the	DET
fsr-3227	467	5	lower	low	ADJ
fsr-3227	467	6	values	value	NOUN
fsr-3227	467	7	for	for	ADP
fsr-3227	467	8	the	the	DET
fsr-3227	467	9	dependent	dependent	ADJ
fsr-3227	467	10	variable	variable	NOUN
fsr-3227	467	11	.	.	PUNCT
fsr-3227	468	1	the	the	DET
fsr-3227	468	2	p	p	PROPN
fsr-3227	468	3	values	value	NOUN
fsr-3227	468	4	are	be	AUX
fsr-3227	468	5	for	for	ADP
fsr-3227	468	6	wald	wald	PROPN
fsr-3227	468	7	�	�	PROPN
fsr-3227	468	8	2	2	NUM
fsr-3227	468	9	statistics	statistic	NOUN
fsr-3227	468	10	.	.	PUNCT
fsr-3227	469	1	369c	369c	NOUN
fsr-3227	469	2	.	.	PUNCT
fsr-3227	470	1	harrington	harrington	PROPN
fsr-3227	470	2	,	,	PUNCT
fsr-3227	470	3	w.	w.	PROPN
fsr-3227	470	4	smith	smith	PROPN
fsr-3227	470	5	/	/	SYM
fsr-3227	470	6	financial	financial	ADJ
fsr-3227	470	7	services	service	NOUN
fsr-3227	470	8	review	review	VERB
fsr-3227	470	9	25	25	NUM
fsr-3227	470	10	(	(	PUNCT
fsr-3227	470	11	2016	2016	NUM
fsr-3227	470	12	)	)	PUNCT
fsr-3227	470	13	351–372	351–372	NUM
fsr-3227	470	14	as	as	SCONJ
fsr-3227	470	15	is	be	AUX
fsr-3227	470	16	initial	initial	ADJ
fsr-3227	470	17	stock	stock	NOUN
fsr-3227	470	18	(	(	PUNCT
fsr-3227	470	19	p	p	NOUN
fsr-3227	470	20	value	value	NOUN
fsr-3227	470	21	�	�	PROPN
fsr-3227	470	22	0.0262	0.0262	NUM
fsr-3227	470	23	)	)	PUNCT
fsr-3227	470	24	,	,	PUNCT
fsr-3227	470	25	where	where	SCONJ
fsr-3227	470	26	the	the	DET
fsr-3227	470	27	significance	significance	NOUN
fsr-3227	470	28	of	of	ADP
fsr-3227	470	29	patience	patience	NOUN
fsr-3227	470	30	in	in	ADP
fsr-3227	470	31	consumption	consumption	NOUN
fsr-3227	470	32	,	,	PUNCT
fsr-3227	470	33	cost	cost	NOUN
fsr-3227	470	34	,	,	PUNCT
fsr-3227	470	35	return	return	NOUN
fsr-3227	470	36	,	,	PUNCT
fsr-3227	470	37	financial	financial	ADJ
fsr-3227	470	38	independence	independence	NOUN
fsr-3227	470	39	,	,	PUNCT
fsr-3227	470	40	and	and	CCONJ
fsr-3227	470	41	gender	gender	NOUN
fsr-3227	470	42	is	be	AUX
fsr-3227	470	43	relatively	relatively	ADV
fsr-3227	470	44	unaffected	unaffected	ADJ
fsr-3227	470	45	.	.	PUNCT
fsr-3227	471	1	prior	prior	ADJ
fsr-3227	471	2	research	research	NOUN
fsr-3227	471	3	indicates	indicate	VERB
fsr-3227	471	4	that	that	SCONJ
fsr-3227	471	5	business	business	NOUN
fsr-3227	471	6	majors	major	NOUN
fsr-3227	471	7	are	be	AUX
fsr-3227	471	8	relatively	relatively	ADV
fsr-3227	471	9	more	more	ADV
fsr-3227	471	10	knowledgeable	knowledgeable	ADJ
fsr-3227	471	11	about	about	ADP
fsr-3227	471	12	personal	personal	ADJ
fsr-3227	471	13	finance	finance	NOUN
fsr-3227	471	14	(	(	PUNCT
fsr-3227	471	15	e.g.	e.g.	ADV
fsr-3227	471	16	,	,	PUNCT
fsr-3227	471	17	chen	chen	PROPN
fsr-3227	471	18	and	and	CCONJ
fsr-3227	471	19	volpe	volpe	PROPN
fsr-3227	471	20	,	,	PUNCT
fsr-3227	471	21	1998	1998	NUM
fsr-3227	471	22	)	)	PUNCT
fsr-3227	471	23	.	.	PUNCT
fsr-3227	472	1	regarding	regard	VERB
fsr-3227	472	2	interest	interest	NOUN
fsr-3227	472	3	in	in	ADP
fsr-3227	472	4	personal	personal	ADJ
fsr-3227	472	5	finance	finance	NOUN
fsr-3227	472	6	education	education	NOUN
fsr-3227	472	7	,	,	PUNCT
fsr-3227	472	8	beierlein	beierlein	NOUN
fsr-3227	472	9	and	and	CCONJ
fsr-3227	472	10	neverett	neverett	PROPN
fsr-3227	472	11	(	(	PUNCT
fsr-3227	472	12	2013	2013	NUM
fsr-3227	472	13	)	)	PUNCT
fsr-3227	472	14	find	find	VERB
fsr-3227	472	15	that	that	SCONJ
fsr-3227	472	16	business	business	NOUN
fsr-3227	472	17	majors	major	NOUN
fsr-3227	472	18	(	(	PUNCT
fsr-3227	472	19	as	as	ADV
fsr-3227	472	20	well	well	ADV
fsr-3227	472	21	as	as	ADP
fsr-3227	472	22	human	human	ADJ
fsr-3227	472	23	ecology	ecology	NOUN
fsr-3227	472	24	and	and	CCONJ
fsr-3227	472	25	social	social	ADJ
fsr-3227	472	26	science	science	NOUN
fsr-3227	472	27	majors	major	NOUN
fsr-3227	472	28	)	)	PUNCT
fsr-3227	472	29	are	be	AUX
fsr-3227	472	30	relatively	relatively	ADV
fsr-3227	472	31	more	more	ADV
fsr-3227	472	32	likely	likely	ADJ
fsr-3227	472	33	to	to	PART
fsr-3227	472	34	complete	complete	VERB
fsr-3227	472	35	a	a	DET
fsr-3227	472	36	personal	personal	ADJ
fsr-3227	472	37	finance	finance	NOUN
fsr-3227	472	38	course	course	NOUN
fsr-3227	472	39	.	.	PUNCT
fsr-3227	473	1	to	to	PART
fsr-3227	473	2	test	test	VERB
fsr-3227	473	3	if	if	SCONJ
fsr-3227	473	4	being	be	AUX
fsr-3227	473	5	a	a	DET
fsr-3227	473	6	business	business	NOUN
fsr-3227	473	7	student	student	NOUN
fsr-3227	473	8	influences	influence	NOUN
fsr-3227	473	9	demand	demand	NOUN
fsr-3227	473	10	for	for	ADP
fsr-3227	473	11	personal	personal	ADJ
fsr-3227	473	12	finance	finance	NOUN
fsr-3227	473	13	education	education	NOUN
fsr-3227	473	14	,	,	PUNCT
fsr-3227	473	15	we	we	PRON
fsr-3227	473	16	include	include	VERB
fsr-3227	473	17	an	an	DET
fsr-3227	473	18	indicator	indicator	NOUN
fsr-3227	473	19	variable	variable	NOUN
fsr-3227	473	20	for	for	ADP
fsr-3227	473	21	business	business	NOUN
fsr-3227	473	22	majors	major	NOUN
fsr-3227	473	23	in	in	ADP
fsr-3227	473	24	all	all	PRON
fsr-3227	473	25	of	of	ADP
fsr-3227	473	26	the	the	DET
fsr-3227	473	27	regressions	regression	NOUN
fsr-3227	473	28	.	.	PUNCT
fsr-3227	474	1	however	however	ADV
fsr-3227	474	2	,	,	PUNCT
fsr-3227	474	3	this	this	DET
fsr-3227	474	4	indicator	indicator	NOUN
fsr-3227	474	5	is	be	AUX
fsr-3227	474	6	only	only	ADV
fsr-3227	474	7	marginally	marginally	ADV
fsr-3227	474	8	significant	significant	ADJ
fsr-3227	474	9	to	to	ADP
fsr-3227	474	10	interest	interest	NOUN
fsr-3227	474	11	in	in	ADP
fsr-3227	474	12	learning	learn	VERB
fsr-3227	474	13	about	about	ADP
fsr-3227	474	14	student	student	NOUN
fsr-3227	474	15	loans	loan	NOUN
fsr-3227	474	16	and	and	CCONJ
fsr-3227	474	17	is	be	AUX
fsr-3227	474	18	insignificant	insignificant	ADJ
fsr-3227	474	19	to	to	ADP
fsr-3227	474	20	all	all	DET
fsr-3227	474	21	other	other	ADJ
fsr-3227	474	22	dependent	dependent	ADJ
fsr-3227	474	23	variables	variable	NOUN
fsr-3227	474	24	.	.	PUNCT
fsr-3227	475	1	we	we	PRON
fsr-3227	475	2	find	find	VERB
fsr-3227	475	3	that	that	SCONJ
fsr-3227	475	4	business	business	NOUN
fsr-3227	475	5	students	student	NOUN
fsr-3227	475	6	are	be	AUX
fsr-3227	475	7	relatively	relatively	ADV
fsr-3227	475	8	less	less	ADV
fsr-3227	475	9	interested	interested	ADJ
fsr-3227	475	10	in	in	ADP
fsr-3227	475	11	learning	learn	VERB
fsr-3227	475	12	about	about	ADP
fsr-3227	475	13	student	student	NOUN
fsr-3227	475	14	loans	loan	NOUN
fsr-3227	475	15	compared	compare	VERB
fsr-3227	475	16	to	to	ADP
fsr-3227	475	17	nonbusiness	nonbusiness	NOUN
fsr-3227	475	18	majors	major	NOUN
fsr-3227	475	19	.	.	PUNCT
fsr-3227	476	1	7	7	X
fsr-3227	476	2	.	.	X
fsr-3227	476	3	conclusion	conclusion	NOUN
fsr-3227	476	4	this	this	DET
fsr-3227	476	5	study	study	NOUN
fsr-3227	476	6	employs	employ	VERB
fsr-3227	476	7	the	the	DET
fsr-3227	476	8	jappelli	jappelli	NOUN
fsr-3227	476	9	and	and	CCONJ
fsr-3227	476	10	padula	padula	NOUN
fsr-3227	476	11	(	(	PUNCT
fsr-3227	476	12	2013	2013	NUM
fsr-3227	476	13	)	)	PUNCT
fsr-3227	476	14	model	model	NOUN
fsr-3227	476	15	of	of	ADP
fsr-3227	476	16	investment	investment	NOUN
fsr-3227	476	17	in	in	ADP
fsr-3227	476	18	financial	financial	ADJ
fsr-3227	476	19	literacy	literacy	NOUN
fsr-3227	476	20	to	to	PART
fsr-3227	476	21	examine	examine	VERB
fsr-3227	476	22	student	student	NOUN
fsr-3227	476	23	interest	interest	NOUN
fsr-3227	476	24	in	in	ADP
fsr-3227	476	25	personal	personal	ADJ
fsr-3227	476	26	finance	finance	NOUN
fsr-3227	476	27	education	education	NOUN
fsr-3227	476	28	while	while	SCONJ
fsr-3227	476	29	in	in	ADP
fsr-3227	476	30	college	college	NOUN
fsr-3227	476	31	.	.	PUNCT
fsr-3227	477	1	although	although	SCONJ
fsr-3227	477	2	we	we	PRON
fsr-3227	477	3	find	find	VERB
fsr-3227	477	4	some	some	DET
fsr-3227	477	5	support	support	NOUN
fsr-3227	477	6	for	for	ADP
fsr-3227	477	7	this	this	DET
fsr-3227	477	8	model	model	NOUN
fsr-3227	477	9	,	,	PUNCT
fsr-3227	477	10	our	our	PRON
fsr-3227	477	11	results	result	NOUN
fsr-3227	477	12	suggest	suggest	VERB
fsr-3227	477	13	that	that	SCONJ
fsr-3227	477	14	students	student	NOUN
fsr-3227	477	15	are	be	AUX
fsr-3227	477	16	not	not	PART
fsr-3227	477	17	uniformly	uniformly	ADV
fsr-3227	477	18	interested	interested	ADJ
fsr-3227	477	19	in	in	ADP
fsr-3227	477	20	every	every	DET
fsr-3227	477	21	personal	personal	ADJ
fsr-3227	477	22	finance	finance	NOUN
fsr-3227	477	23	topic	topic	NOUN
fsr-3227	477	24	.	.	PUNCT
fsr-3227	478	1	in	in	ADP
fsr-3227	478	2	our	our	PRON
fsr-3227	478	3	study	study	NOUN
fsr-3227	478	4	,	,	PUNCT
fsr-3227	478	5	perceived	perceive	VERB
fsr-3227	478	6	return	return	NOUN
fsr-3227	478	7	and	and	CCONJ
fsr-3227	478	8	time	time	NOUN
fsr-3227	478	9	cost	cost	NOUN
fsr-3227	478	10	are	be	AUX
fsr-3227	478	11	key	key	ADJ
fsr-3227	478	12	drivers	driver	NOUN
fsr-3227	478	13	of	of	ADP
fsr-3227	478	14	interest	interest	NOUN
fsr-3227	478	15	in	in	ADP
fsr-3227	478	16	personal	personal	ADJ
fsr-3227	478	17	finance	finance	NOUN
fsr-3227	478	18	education	education	NOUN
fsr-3227	478	19	.	.	PUNCT
fsr-3227	479	1	student	student	NOUN
fsr-3227	479	2	interest	interest	NOUN
fsr-3227	479	3	in	in	ADP
fsr-3227	479	4	specific	specific	ADJ
fsr-3227	479	5	personal	personal	ADJ
fsr-3227	479	6	finance	finance	NOUN
fsr-3227	479	7	topics	topic	NOUN
fsr-3227	479	8	is	be	AUX
fsr-3227	479	9	associated	associate	VERB
fsr-3227	479	10	with	with	ADP
fsr-3227	479	11	circumtable	circumtable	ADJ
fsr-3227	479	12	7	7	NUM
fsr-3227	479	13	demand	demand	NOUN
fsr-3227	479	14	for	for	ADP
fsr-3227	479	15	learning	learn	VERB
fsr-3227	479	16	about	about	ADP
fsr-3227	479	17	other	other	ADJ
fsr-3227	479	18	personal	personal	ADJ
fsr-3227	479	19	finance	finance	NOUN
fsr-3227	479	20	topics	topic	NOUN
fsr-3227	479	21	while	while	SCONJ
fsr-3227	479	22	in	in	ADP
fsr-3227	479	23	college	college	NOUN
fsr-3227	479	24	(	(	PUNCT
fsr-3227	479	25	1	1	NUM
fsr-3227	479	26	)	)	PUNCT
fsr-3227	479	27	(	(	PUNCT
fsr-3227	479	28	2	2	NUM
fsr-3227	479	29	)	)	PUNCT
fsr-3227	479	30	(	(	PUNCT
fsr-3227	479	31	3	3	X
fsr-3227	479	32	)	)	PUNCT
fsr-3227	479	33	estimate	estimate	NOUN
fsr-3227	479	34	p	p	NOUN
fsr-3227	479	35	value	value	NOUN
fsr-3227	479	36	estimate	estimate	NOUN
fsr-3227	480	1	p	p	NOUN
fsr-3227	480	2	value	value	NOUN
fsr-3227	480	3	estimate	estimate	NOUN
fsr-3227	480	4	p	p	NOUN
fsr-3227	480	5	value	value	NOUN
fsr-3227	480	6	intercept	intercept	NOUN
fsr-3227	480	7	�	�	PROPN
fsr-3227	480	8	9.86	9.86	NUM
fsr-3227	480	9	�	�	PROPN
fsr-3227	480	10	0.0001	0.0001	NUM
fsr-3227	480	11	�	�	PROPN
fsr-3227	480	12	10.03	10.03	NUM
fsr-3227	480	13	�	�	NOUN
fsr-3227	480	14	0.0001	0.0001	NUM
fsr-3227	480	15	�	�	PROPN
fsr-3227	480	16	10.43	10.43	NUM
fsr-3227	480	17	�	�	NOUN
fsr-3227	480	18	0.0001	0.0001	NUM
fsr-3227	480	19	intercept	intercept	NOUN
fsr-3227	480	20	�	�	PROPN
fsr-3227	480	21	7.98	7.98	NUM
fsr-3227	480	22	�	�	NOUN
fsr-3227	480	23	0.0001	0.0001	NUM
fsr-3227	480	24	�	�	PROPN
fsr-3227	480	25	8.24	8.24	NUM
fsr-3227	480	26	�	�	NUM
fsr-3227	480	27	0.0001	0.0001	NUM
fsr-3227	480	28	�	�	PROPN
fsr-3227	480	29	8.52	8.52	NUM
fsr-3227	480	30	�	�	NOUN
fsr-3227	480	31	0.0001	0.0001	NUM
fsr-3227	480	32	intercept	intercept	PROPN
fsr-3227	480	33	�	�	PROPN
fsr-3227	480	34	6.86	6.86	NUM
fsr-3227	480	35	�	�	PROPN
fsr-3227	480	36	0.0001	0.0001	NUM
fsr-3227	480	37	�	�	PROPN
fsr-3227	480	38	7.17	7.17	NUM
fsr-3227	480	39	�	�	NUM
fsr-3227	480	40	0.0001	0.0001	NUM
fsr-3227	480	41	�	�	PROPN
fsr-3227	480	42	7.40	7.40	NUM
fsr-3227	480	43	�	�	NOUN
fsr-3227	480	44	0.0001	0.0001	NUM
fsr-3227	480	45	intercept	intercept	NOUN
fsr-3227	480	46	�	�	PROPN
fsr-3227	480	47	5.26	5.26	NUM
fsr-3227	480	48	�	�	NUM
fsr-3227	480	49	0.0001	0.0001	NUM
fsr-3227	480	50	�	�	PROPN
fsr-3227	480	51	5.59	5.59	NUM
fsr-3227	480	52	�	�	NOUN
fsr-3227	480	53	0.0001	0.0001	NUM
fsr-3227	480	54	�	�	PROPN
fsr-3227	480	55	5.79	5.79	NUM
fsr-3227	480	56	�	�	NOUN
fsr-3227	480	57	0.0001	0.0001	NUM
fsr-3227	480	58	intercept	intercept	NOUN
fsr-3227	480	59	�	�	PROPN
fsr-3227	480	60	4.53	4.53	NUM
fsr-3227	480	61	�	�	PROPN
fsr-3227	480	62	0.0001	0.0001	NUM
fsr-3227	480	63	�	�	PROPN
fsr-3227	480	64	4.85	4.85	NUM
fsr-3227	480	65	�	�	PROPN
fsr-3227	480	66	0.0001	0.0001	NUM
fsr-3227	480	67	�	�	PROPN
fsr-3227	480	68	5.06	5.06	NUM
fsr-3227	480	69	�	�	NOUN
fsr-3227	480	70	0.0001	0.0001	NUM
fsr-3227	480	71	intercept	intercept	PROPN
fsr-3227	480	72	�	�	PROPN
fsr-3227	480	73	3.53	3.53	NUM
fsr-3227	480	74	�	�	PROPN
fsr-3227	480	75	0.0001	0.0001	NUM
fsr-3227	480	76	�	�	PROPN
fsr-3227	480	77	3.80	3.80	NUM
fsr-3227	480	78	�	�	NOUN
fsr-3227	480	79	0.0001	0.0001	NUM
fsr-3227	480	80	�	�	PROPN
fsr-3227	480	81	4.07	4.07	NUM
fsr-3227	480	82	�	�	NOUN
fsr-3227	480	83	0.0001	0.0001	NUM
fsr-3227	480	84	income	income	NOUN
fsr-3227	480	85	�	�	NOUN
fsr-3227	480	86	0.10	0.10	NUM
fsr-3227	480	87	0.3684	0.3684	NUM
fsr-3227	480	88	�	�	PROPN
fsr-3227	480	89	0.04	0.04	NUM
fsr-3227	480	90	0.6943	0.6943	NUM
fsr-3227	480	91	�	�	NOUN
fsr-3227	480	92	0.06	0.06	NUM
fsr-3227	480	93	0.5522	0.5522	NUM
fsr-3227	480	94	patience	patience	NOUN
fsr-3227	480	95	0.38	0.38	NUM
fsr-3227	480	96	0.0275	0.0275	NUM
fsr-3227	480	97	0.34	0.34	NUM
fsr-3227	480	98	0.0462	0.0462	NUM
fsr-3227	480	99	cost	cost	NOUN
fsr-3227	480	100	0.41	0.41	NUM
fsr-3227	480	101	�	�	NOUN
fsr-3227	480	102	0.0001	0.0001	NUM
fsr-3227	480	103	0.41	0.41	NUM
fsr-3227	480	104	�	�	NOUN
fsr-3227	480	105	0.0001	0.0001	NUM
fsr-3227	480	106	stock	stock	NOUN
fsr-3227	480	107	0.26	0.26	NUM
fsr-3227	480	108	0.2058	0.2058	NUM
fsr-3227	480	109	0.42	0.42	NUM
fsr-3227	480	110	0.0262	0.0262	NUM
fsr-3227	480	111	return	return	NOUN
fsr-3227	480	112	1.20	1.20	NUM
fsr-3227	480	113	�	�	NOUN
fsr-3227	480	114	0.0001	0.0001	NUM
fsr-3227	480	115	1.30	1.30	NUM
fsr-3227	480	116	�	�	NOUN
fsr-3227	480	117	0.0001	0.0001	NUM
fsr-3227	480	118	1.19	1.19	NUM
fsr-3227	480	119	�	�	NOUN
fsr-3227	480	120	0.0001	0.0001	NUM
fsr-3227	480	121	net	net	NOUN
fsr-3227	480	122	0.20	0.20	NUM
fsr-3227	480	123	0.0033	0.0033	NUM
fsr-3227	480	124	0.17	0.17	NUM
fsr-3227	480	125	0.0093	0.0093	NUM
fsr-3227	480	126	0.20	0.20	NUM
fsr-3227	480	127	0.0031	0.0031	NUM
fsr-3227	480	128	gender	gender	NOUN
fsr-3227	480	129	0.04	0.04	NUM
fsr-3227	480	130	0.8276	0.8276	NUM
fsr-3227	480	131	�	�	NOUN
fsr-3227	480	132	0.10	0.10	NUM
fsr-3227	480	133	0.5676	0.5676	NUM
fsr-3227	480	134	0.03	0.03	NUM
fsr-3227	480	135	0.8451	0.8451	NUM
fsr-3227	480	136	math	math	NOUN
fsr-3227	480	137	0.20	0.20	NUM
fsr-3227	480	138	0.0846	0.0846	NUM
fsr-3227	480	139	0.22	0.22	NUM
fsr-3227	480	140	0.0572	0.0572	NUM
fsr-3227	480	141	psuedo	psuedo	ADJ
fsr-3227	480	142	r2	r2	NOUN
fsr-3227	480	143	0.36	0.36	NUM
fsr-3227	480	144	0.31	0.31	NUM
fsr-3227	480	145	0.37	0.37	NUM
fsr-3227	480	146	note	note	NOUN
fsr-3227	480	147	:	:	PUNCT
fsr-3227	480	148	the	the	DET
fsr-3227	480	149	dependent	dependent	ADJ
fsr-3227	480	150	variable	variable	NOUN
fsr-3227	480	151	is	be	AUX
fsr-3227	480	152	interest	interest	NOUN
fsr-3227	480	153	in	in	ADP
fsr-3227	480	154	learning	learn	VERB
fsr-3227	480	155	about	about	ADP
fsr-3227	480	156	other	other	ADJ
fsr-3227	480	157	personal	personal	ADJ
fsr-3227	480	158	finance	finance	NOUN
fsr-3227	480	159	topics	topic	NOUN
fsr-3227	480	160	while	while	SCONJ
fsr-3227	480	161	in	in	ADP
fsr-3227	480	162	college	college	NOUN
fsr-3227	480	163	measured	measure	VERB
fsr-3227	480	164	on	on	ADP
fsr-3227	480	165	a	a	DET
fsr-3227	480	166	7	7	NUM
fsr-3227	480	167	-	-	PUNCT
fsr-3227	480	168	point	point	NOUN
fsr-3227	480	169	scale	scale	NOUN
fsr-3227	480	170	(	(	PUNCT
fsr-3227	480	171	1	1	NUM
fsr-3227	480	172	�	�	PROPN
fsr-3227	480	173	strongly	strongly	ADV
fsr-3227	480	174	disagree	disagree	VERB
fsr-3227	480	175	,	,	PUNCT
fsr-3227	480	176	7	7	NUM
fsr-3227	480	177	�	�	NOUN
fsr-3227	480	178	strongly	strongly	ADV
fsr-3227	480	179	agree	agree	VERB
fsr-3227	480	180	)	)	PUNCT
fsr-3227	480	181	.	.	PUNCT
fsr-3227	481	1	model	model	NOUN
fsr-3227	481	2	(	(	PUNCT
fsr-3227	481	3	1	1	X
fsr-3227	481	4	)	)	PUNCT
fsr-3227	481	5	is	be	AUX
fsr-3227	481	6	the	the	DET
fsr-3227	481	7	estimation	estimation	NOUN
fsr-3227	481	8	of	of	ADP
fsr-3227	481	9	eq	eq	PROPN
fsr-3227	481	10	.	.	PUNCT
fsr-3227	482	1	(	(	PUNCT
fsr-3227	482	2	1	1	NUM
fsr-3227	482	3	)	)	PUNCT
fsr-3227	482	4	.	.	PUNCT
fsr-3227	483	1	model	model	NOUN
fsr-3227	483	2	(	(	PUNCT
fsr-3227	483	3	2	2	X
fsr-3227	483	4	)	)	PUNCT
fsr-3227	483	5	is	be	AUX
fsr-3227	483	6	the	the	DET
fsr-3227	483	7	estimation	estimation	NOUN
fsr-3227	483	8	of	of	ADP
fsr-3227	483	9	eq	eq	PROPN
fsr-3227	483	10	.	.	PUNCT
fsr-3227	484	1	(	(	PUNCT
fsr-3227	484	2	2	2	NUM
fsr-3227	484	3	)	)	PUNCT
fsr-3227	484	4	.	.	PUNCT
fsr-3227	485	1	model	model	NOUN
fsr-3227	485	2	(	(	PUNCT
fsr-3227	485	3	3	3	X
fsr-3227	485	4	)	)	PUNCT
fsr-3227	485	5	contains	contain	VERB
fsr-3227	485	6	estimates	estimate	NOUN
fsr-3227	485	7	from	from	ADP
fsr-3227	485	8	eq	eq	PROPN
fsr-3227	485	9	.	.	PUNCT
fsr-3227	486	1	(	(	PUNCT
fsr-3227	486	2	1	1	X
fsr-3227	486	3	)	)	PUNCT
fsr-3227	486	4	also	also	ADV
fsr-3227	486	5	including	include	VERB
fsr-3227	486	6	numerical	numerical	ADJ
fsr-3227	486	7	ability	ability	NOUN
fsr-3227	486	8	and	and	CCONJ
fsr-3227	486	9	the	the	DET
fsr-3227	486	10	initial	initial	ADJ
fsr-3227	486	11	stock	stock	NOUN
fsr-3227	486	12	of	of	ADP
fsr-3227	486	13	financial	financial	ADJ
fsr-3227	486	14	literacy	literacy	NOUN
fsr-3227	486	15	(	(	PUNCT
fsr-3227	486	16	stock	stock	NOUN
fsr-3227	486	17	)	)	PUNCT
fsr-3227	486	18	as	as	ADP
fsr-3227	486	19	an	an	DET
fsr-3227	486	20	indicator	indicator	NOUN
fsr-3227	486	21	of	of	ADP
fsr-3227	486	22	prior	prior	ADJ
fsr-3227	486	23	financial	financial	ADJ
fsr-3227	486	24	education	education	NOUN
fsr-3227	486	25	(	(	PUNCT
fsr-3227	486	26	0	0	NUM
fsr-3227	486	27	�	�	PROPN
fsr-3227	486	28	yes	yes	INTJ
fsr-3227	486	29	,	,	PUNCT
fsr-3227	486	30	1	1	NUM
fsr-3227	486	31	�	�	PROPN
fsr-3227	486	32	no	no	NOUN
fsr-3227	486	33	)	)	PUNCT
fsr-3227	486	34	.	.	PUNCT
fsr-3227	487	1	the	the	DET
fsr-3227	487	2	results	result	NOUN
fsr-3227	487	3	are	be	AUX
fsr-3227	487	4	maximum	maximum	ADJ
fsr-3227	487	5	likelihood	likelihood	NOUN
fsr-3227	487	6	estimates	estimate	NOUN
fsr-3227	487	7	with	with	ADP
fsr-3227	487	8	the	the	DET
fsr-3227	487	9	highest	high	ADJ
fsr-3227	487	10	value	value	NOUN
fsr-3227	487	11	of	of	ADP
fsr-3227	487	12	the	the	DET
fsr-3227	487	13	dependent	dependent	ADJ
fsr-3227	487	14	variable	variable	NOUN
fsr-3227	487	15	(	(	PUNCT
fsr-3227	487	16	�	�	PROPN
fsr-3227	487	17	7	7	NUM
fsr-3227	487	18	)	)	PUNCT
fsr-3227	487	19	as	as	ADP
fsr-3227	487	20	the	the	DET
fsr-3227	487	21	reference	reference	NOUN
fsr-3227	487	22	.	.	PUNCT
fsr-3227	488	1	the	the	DET
fsr-3227	488	2	intercepts	intercept	NOUN
fsr-3227	488	3	reference	reference	VERB
fsr-3227	488	4	the	the	DET
fsr-3227	488	5	lower	low	ADJ
fsr-3227	488	6	values	value	NOUN
fsr-3227	488	7	for	for	ADP
fsr-3227	488	8	the	the	DET
fsr-3227	488	9	dependent	dependent	ADJ
fsr-3227	488	10	variable	variable	NOUN
fsr-3227	488	11	.	.	PUNCT
fsr-3227	489	1	the	the	DET
fsr-3227	489	2	p	p	PROPN
fsr-3227	489	3	values	value	NOUN
fsr-3227	489	4	are	be	AUX
fsr-3227	489	5	for	for	ADP
fsr-3227	489	6	wald	wald	PROPN
fsr-3227	489	7	�	�	PROPN
fsr-3227	489	8	2	2	NUM
fsr-3227	489	9	statistics	statistic	NOUN
fsr-3227	489	10	.	.	PUNCT
fsr-3227	490	1	370	370	NUM
fsr-3227	490	2	c.	c.	PROPN
fsr-3227	490	3	harrington	harrington	PROPN
fsr-3227	490	4	,	,	PUNCT
fsr-3227	490	5	w.	w.	PROPN
fsr-3227	490	6	smith	smith	PROPN
fsr-3227	490	7	/	/	SYM
fsr-3227	490	8	financial	financial	ADJ
fsr-3227	490	9	services	service	NOUN
fsr-3227	490	10	review	review	VERB
fsr-3227	490	11	25	25	NUM
fsr-3227	490	12	(	(	PUNCT
fsr-3227	490	13	2016	2016	NUM
fsr-3227	490	14	)	)	PUNCT
fsr-3227	490	15	351–372	351–372	NUM
fsr-3227	490	16	stances	stance	NOUN
fsr-3227	490	17	or	or	CCONJ
fsr-3227	490	18	characteristics	characteristic	NOUN
fsr-3227	490	19	.	.	PUNCT
fsr-3227	491	1	for	for	ADP
fsr-3227	491	2	example	example	NOUN
fsr-3227	491	3	,	,	PUNCT
fsr-3227	491	4	female	female	ADJ
fsr-3227	491	5	students	student	NOUN
fsr-3227	491	6	who	who	PRON
fsr-3227	491	7	pay	pay	VERB
fsr-3227	491	8	their	their	PRON
fsr-3227	491	9	living	living	NOUN
fsr-3227	491	10	expenses	expense	NOUN
fsr-3227	491	11	are	be	AUX
fsr-3227	491	12	relatively	relatively	ADV
fsr-3227	491	13	more	more	ADV
fsr-3227	491	14	interested	interested	ADJ
fsr-3227	491	15	in	in	ADP
fsr-3227	491	16	learning	learn	VERB
fsr-3227	491	17	about	about	ADP
fsr-3227	491	18	budgeting	budget	VERB
fsr-3227	491	19	.	.	PUNCT
fsr-3227	492	1	upper	upper	ADJ
fsr-3227	492	2	-	-	PUNCT
fsr-3227	492	3	level	level	NOUN
fsr-3227	492	4	students	student	NOUN
fsr-3227	492	5	with	with	ADP
fsr-3227	492	6	nonstudent	nonstudent	NOUN
fsr-3227	492	7	loan	loan	NOUN
fsr-3227	492	8	debt	debt	NOUN
fsr-3227	492	9	are	be	AUX
fsr-3227	492	10	relatively	relatively	ADV
fsr-3227	492	11	more	more	ADV
fsr-3227	492	12	interested	interested	ADJ
fsr-3227	492	13	in	in	ADP
fsr-3227	492	14	learning	learn	VERB
fsr-3227	492	15	about	about	ADP
fsr-3227	492	16	credit	credit	NOUN
fsr-3227	492	17	cards	card	NOUN
fsr-3227	492	18	.	.	PUNCT
fsr-3227	493	1	students	student	NOUN
fsr-3227	493	2	with	with	ADP
fsr-3227	493	3	existing	exist	VERB
fsr-3227	493	4	student	student	NOUN
fsr-3227	493	5	loans	loan	NOUN
fsr-3227	493	6	are	be	AUX
fsr-3227	493	7	highly	highly	ADV
fsr-3227	493	8	interested	interested	ADJ
fsr-3227	493	9	in	in	ADP
fsr-3227	493	10	learning	learn	VERB
fsr-3227	493	11	more	more	ADJ
fsr-3227	493	12	about	about	ADP
fsr-3227	493	13	these	these	DET
fsr-3227	493	14	loans	loan	NOUN
fsr-3227	493	15	.	.	PUNCT
fsr-3227	494	1	while	while	SCONJ
fsr-3227	494	2	a	a	DET
fsr-3227	494	3	traditional	traditional	ADJ
fsr-3227	494	4	personal	personal	ADJ
fsr-3227	494	5	finance	finance	NOUN
fsr-3227	494	6	course	course	NOUN
fsr-3227	494	7	offers	offer	VERB
fsr-3227	494	8	a	a	DET
fsr-3227	494	9	broad	broad	ADJ
fsr-3227	494	10	base	base	NOUN
fsr-3227	494	11	of	of	ADP
fsr-3227	494	12	knowledge	knowledge	NOUN
fsr-3227	494	13	,	,	PUNCT
fsr-3227	494	14	some	some	DET
fsr-3227	494	15	students	student	NOUN
fsr-3227	494	16	may	may	AUX
fsr-3227	494	17	not	not	PART
fsr-3227	494	18	view	view	VERB
fsr-3227	494	19	all	all	DET
fsr-3227	494	20	topics	topic	NOUN
fsr-3227	494	21	as	as	ADP
fsr-3227	494	22	relevant	relevant	ADJ
fsr-3227	494	23	and	and	CCONJ
fsr-3227	494	24	other	other	ADJ
fsr-3227	494	25	students	student	NOUN
fsr-3227	494	26	may	may	AUX
fsr-3227	494	27	not	not	PART
fsr-3227	494	28	have	have	VERB
fsr-3227	494	29	time	time	NOUN
fsr-3227	494	30	for	for	ADP
fsr-3227	494	31	a	a	DET
fsr-3227	494	32	3	3	NUM
fsr-3227	494	33	-	-	PUNCT
fsr-3227	494	34	credit	credit	NOUN
fsr-3227	494	35	-	-	PUNCT
fsr-3227	494	36	hour	hour	NOUN
fsr-3227	494	37	course	course	NOUN
fsr-3227	494	38	.	.	PUNCT
fsr-3227	495	1	designing	design	VERB
fsr-3227	495	2	a	a	DET
fsr-3227	495	3	financial	financial	ADJ
fsr-3227	495	4	education	education	NOUN
fsr-3227	495	5	program	program	NOUN
fsr-3227	495	6	as	as	ADP
fsr-3227	495	7	a	a	DET
fsr-3227	495	8	menu	menu	NOUN
fsr-3227	495	9	of	of	ADP
fsr-3227	495	10	personal	personal	ADJ
fsr-3227	495	11	finance	finance	NOUN
fsr-3227	495	12	learning	learn	VERB
fsr-3227	495	13	opportunities	opportunity	NOUN
fsr-3227	495	14	allows	allow	VERB
fsr-3227	495	15	students	student	NOUN
fsr-3227	495	16	to	to	ADP
fsr-3227	495	17	self	self	NOUN
fsr-3227	495	18	-	-	PUNCT
fsr-3227	495	19	select	select	ADJ
fsr-3227	495	20	interests	interest	NOUN
fsr-3227	495	21	and	and	CCONJ
fsr-3227	495	22	time	time	NOUN
fsr-3227	495	23	commitments	commitment	NOUN
fsr-3227	495	24	.	.	PUNCT
fsr-3227	496	1	to	to	PART
fsr-3227	496	2	provide	provide	VERB
fsr-3227	496	3	students	student	NOUN
fsr-3227	496	4	with	with	ADP
fsr-3227	496	5	control	control	NOUN
fsr-3227	496	6	over	over	ADP
fsr-3227	496	7	their	their	PRON
fsr-3227	496	8	time	time	NOUN
fsr-3227	496	9	commitment	commitment	NOUN
fsr-3227	496	10	,	,	PUNCT
fsr-3227	496	11	the	the	DET
fsr-3227	496	12	menu	menu	NOUN
fsr-3227	496	13	might	might	AUX
fsr-3227	496	14	include	include	VERB
fsr-3227	496	15	multiple	multiple	ADJ
fsr-3227	496	16	education	education	NOUN
fsr-3227	496	17	delivery	delivery	NOUN
fsr-3227	496	18	options	option	NOUN
fsr-3227	496	19	for	for	ADP
fsr-3227	496	20	each	each	DET
fsr-3227	496	21	topic	topic	NOUN
fsr-3227	496	22	such	such	ADJ
fsr-3227	496	23	as	as	ADP
fsr-3227	496	24	individual	individual	ADJ
fsr-3227	496	25	counseling	counseling	NOUN
fsr-3227	496	26	,	,	PUNCT
fsr-3227	496	27	workshops	workshop	NOUN
fsr-3227	496	28	,	,	PUNCT
fsr-3227	496	29	web	web	NOUN
fsr-3227	496	30	resources	resource	NOUN
fsr-3227	496	31	and	and	CCONJ
fsr-3227	496	32	videos	video	NOUN
fsr-3227	496	33	,	,	PUNCT
fsr-3227	496	34	reduced	reduce	VERB
fsr-3227	496	35	credit	credit	NOUN
fsr-3227	496	36	hour	hour	NOUN
fsr-3227	496	37	courses	course	NOUN
fsr-3227	496	38	,	,	PUNCT
fsr-3227	496	39	and	and	CCONJ
fsr-3227	496	40	a	a	DET
fsr-3227	496	41	traditional	traditional	ADJ
fsr-3227	496	42	course	course	NOUN
fsr-3227	496	43	.	.	PUNCT
fsr-3227	497	1	individual	individual	ADJ
fsr-3227	497	2	counseling	counseling	NOUN
fsr-3227	497	3	may	may	AUX
fsr-3227	497	4	appeal	appeal	VERB
fsr-3227	497	5	to	to	ADP
fsr-3227	497	6	students	student	NOUN
fsr-3227	497	7	who	who	PRON
fsr-3227	497	8	prefer	prefer	VERB
fsr-3227	497	9	private	private	ADJ
fsr-3227	497	10	instruction	instruction	NOUN
fsr-3227	497	11	.	.	PUNCT
fsr-3227	498	1	periodic	periodic	ADJ
fsr-3227	498	2	workshops	workshop	NOUN
fsr-3227	498	3	on	on	ADP
fsr-3227	498	4	specific	specific	ADJ
fsr-3227	498	5	topics	topic	NOUN
fsr-3227	498	6	may	may	AUX
fsr-3227	498	7	attract	attract	VERB
fsr-3227	498	8	students	student	NOUN
fsr-3227	498	9	who	who	PRON
fsr-3227	498	10	prefer	prefer	VERB
fsr-3227	498	11	brief	brief	ADJ
fsr-3227	498	12	,	,	PUNCT
fsr-3227	498	13	face	face	NOUN
fsr-3227	498	14	-	-	PUNCT
fsr-3227	498	15	to	to	ADP
fsr-3227	498	16	-	-	PUNCT
fsr-3227	498	17	face	face	NOUN
fsr-3227	498	18	,	,	PUNCT
fsr-3227	498	19	hands	hand	NOUN
fsr-3227	498	20	-	-	PUNCT
fsr-3227	498	21	on	on	ADP
fsr-3227	498	22	instruction	instruction	NOUN
fsr-3227	498	23	.	.	PUNCT
fsr-3227	499	1	workshops	workshop	NOUN
fsr-3227	499	2	are	be	AUX
fsr-3227	499	3	also	also	ADV
fsr-3227	499	4	an	an	DET
fsr-3227	499	5	opportunity	opportunity	NOUN
fsr-3227	499	6	to	to	PART
fsr-3227	499	7	partner	partner	VERB
fsr-3227	499	8	with	with	ADP
fsr-3227	499	9	the	the	DET
fsr-3227	499	10	local	local	ADJ
fsr-3227	499	11	business	business	NOUN
fsr-3227	499	12	community	community	NOUN
fsr-3227	499	13	.	.	PUNCT
fsr-3227	500	1	for	for	ADP
fsr-3227	500	2	students	student	NOUN
fsr-3227	500	3	who	who	PRON
fsr-3227	500	4	prefer	prefer	VERB
fsr-3227	500	5	internet	internet	NOUN
fsr-3227	500	6	delivery	delivery	NOUN
fsr-3227	500	7	,	,	PUNCT
fsr-3227	500	8	the	the	DET
fsr-3227	500	9	institution	institution	NOUN
fsr-3227	500	10	could	could	AUX
fsr-3227	500	11	offer	offer	VERB
fsr-3227	500	12	a	a	DET
fsr-3227	500	13	web	web	NOUN
fsr-3227	500	14	page	page	NOUN
fsr-3227	500	15	containing	contain	VERB
fsr-3227	500	16	links	link	NOUN
fsr-3227	500	17	to	to	ADP
fsr-3227	500	18	topic	topic	NOUN
fsr-3227	500	19	-	-	PUNCT
fsr-3227	500	20	focused	focus	VERB
fsr-3227	500	21	articles	article	NOUN
fsr-3227	500	22	,	,	PUNCT
fsr-3227	500	23	videos	video	NOUN
fsr-3227	500	24	,	,	PUNCT
fsr-3227	500	25	and	and	CCONJ
fsr-3227	500	26	tools	tool	NOUN
fsr-3227	500	27	such	such	ADJ
fsr-3227	500	28	as	as	ADP
fsr-3227	500	29	student	student	NOUN
fsr-3227	500	30	loan	loan	NOUN
fsr-3227	500	31	calculators	calculator	NOUN
fsr-3227	500	32	.	.	PUNCT
fsr-3227	501	1	articles	article	NOUN
fsr-3227	501	2	,	,	PUNCT
fsr-3227	501	3	videos	video	NOUN
fsr-3227	501	4	,	,	PUNCT
fsr-3227	501	5	and	and	CCONJ
fsr-3227	501	6	tools	tool	NOUN
fsr-3227	501	7	provide	provide	VERB
fsr-3227	501	8	instruction	instruction	NOUN
fsr-3227	501	9	and	and	CCONJ
fsr-3227	501	10	application	application	NOUN
fsr-3227	501	11	that	that	PRON
fsr-3227	501	12	may	may	AUX
fsr-3227	501	13	better	well	ADV
fsr-3227	501	14	accommodate	accommodate	VERB
fsr-3227	501	15	student	student	NOUN
fsr-3227	501	16	schedules	schedule	NOUN
fsr-3227	501	17	.	.	PUNCT
fsr-3227	502	1	reduced	reduce	VERB
fsr-3227	502	2	credit	credit	NOUN
fsr-3227	502	3	-	-	PUNCT
fsr-3227	502	4	hour	hour	NOUN
fsr-3227	502	5	courses	course	NOUN
fsr-3227	502	6	that	that	PRON
fsr-3227	502	7	cover	cover	VERB
fsr-3227	502	8	a	a	DET
fsr-3227	502	9	related	related	ADJ
fsr-3227	502	10	set	set	NOUN
fsr-3227	502	11	of	of	ADP
fsr-3227	502	12	topics	topic	NOUN
fsr-3227	502	13	may	may	AUX
fsr-3227	502	14	appeal	appeal	VERB
fsr-3227	502	15	to	to	ADP
fsr-3227	502	16	specific	specific	ADJ
fsr-3227	502	17	students	student	NOUN
fsr-3227	502	18	and	and	CCONJ
fsr-3227	502	19	may	may	AUX
fsr-3227	502	20	not	not	PART
fsr-3227	502	21	impact	impact	VERB
fsr-3227	502	22	tuition	tuition	NOUN
fsr-3227	502	23	.	.	PUNCT
fsr-3227	503	1	finally	finally	ADV
fsr-3227	503	2	,	,	PUNCT
fsr-3227	503	3	a	a	DET
fsr-3227	503	4	traditional	traditional	ADJ
fsr-3227	503	5	course	course	NOUN
fsr-3227	503	6	may	may	AUX
fsr-3227	503	7	appeal	appeal	VERB
fsr-3227	503	8	to	to	ADP
fsr-3227	503	9	students	student	NOUN
fsr-3227	503	10	who	who	PRON
fsr-3227	503	11	are	be	AUX
fsr-3227	503	12	willing	willing	ADJ
fsr-3227	503	13	to	to	PART
fsr-3227	503	14	commit	commit	VERB
fsr-3227	503	15	larger	large	ADJ
fsr-3227	503	16	amounts	amount	NOUN
fsr-3227	503	17	of	of	ADP
fsr-3227	503	18	time	time	NOUN
fsr-3227	503	19	and	and	CCONJ
fsr-3227	503	20	wish	wish	VERB
fsr-3227	503	21	to	to	PART
fsr-3227	503	22	learn	learn	VERB
fsr-3227	503	23	about	about	ADP
fsr-3227	503	24	a	a	DET
fsr-3227	503	25	broader	broad	ADJ
fsr-3227	503	26	range	range	NOUN
fsr-3227	503	27	of	of	ADP
fsr-3227	503	28	topics	topic	NOUN
fsr-3227	503	29	.	.	PUNCT
fsr-3227	504	1	increasing	increase	VERB
fsr-3227	504	2	participation	participation	NOUN
fsr-3227	504	3	in	in	ADP
fsr-3227	504	4	personal	personal	ADJ
fsr-3227	504	5	finance	finance	NOUN
fsr-3227	504	6	education	education	NOUN
fsr-3227	504	7	may	may	AUX
fsr-3227	504	8	also	also	ADV
fsr-3227	504	9	involve	involve	VERB
fsr-3227	504	10	outreach	outreach	NOUN
fsr-3227	504	11	to	to	ADP
fsr-3227	504	12	specific	specific	ADJ
fsr-3227	504	13	groups	group	NOUN
fsr-3227	504	14	of	of	ADP
fsr-3227	504	15	students	student	NOUN
fsr-3227	504	16	.	.	PUNCT
fsr-3227	505	1	as	as	ADP
fsr-3227	505	2	an	an	DET
fsr-3227	505	3	example	example	NOUN
fsr-3227	505	4	,	,	PUNCT
fsr-3227	505	5	we	we	PRON
fsr-3227	505	6	find	find	VERB
fsr-3227	505	7	that	that	SCONJ
fsr-3227	505	8	financial	financial	ADJ
fsr-3227	505	9	independence	independence	NOUN
fsr-3227	505	10	influences	influence	VERB
fsr-3227	505	11	interest	interest	NOUN
fsr-3227	505	12	in	in	ADP
fsr-3227	505	13	learning	learn	VERB
fsr-3227	505	14	about	about	ADP
fsr-3227	505	15	budgeting	budget	VERB
fsr-3227	505	16	.	.	PUNCT
fsr-3227	506	1	an	an	DET
fsr-3227	506	2	attention	attention	NOUN
fsr-3227	506	3	-	-	PUNCT
fsr-3227	506	4	grabbing	grab	VERB
fsr-3227	506	5	message	message	NOUN
fsr-3227	506	6	such	such	ADJ
fsr-3227	506	7	as	as	ADP
fsr-3227	506	8	,	,	PUNCT
fsr-3227	506	9	“	"	PUNCT
fsr-3227	506	10	supporting	support	VERB
fsr-3227	506	11	yourself	yourself	PRON
fsr-3227	506	12	while	while	SCONJ
fsr-3227	506	13	in	in	ADP
fsr-3227	506	14	school	school	NOUN
fsr-3227	506	15	?	?	PUNCT
fsr-3227	507	1	budgeting	budgeting	NOUN
fsr-3227	507	2	makes	make	VERB
fsr-3227	507	3	it	it	PRON
fsr-3227	507	4	easier	easy	ADJ
fsr-3227	507	5	to	to	PART
fsr-3227	507	6	balance	balance	VERB
fsr-3227	507	7	school	school	NOUN
fsr-3227	507	8	and	and	CCONJ
fsr-3227	507	9	work	work	NOUN
fsr-3227	507	10	!	!	PUNCT
fsr-3227	507	11	”	"	PUNCT
fsr-3227	508	1	may	may	AUX
fsr-3227	508	2	attract	attract	VERB
fsr-3227	508	3	students	student	NOUN
fsr-3227	508	4	with	with	ADP
fsr-3227	508	5	these	these	DET
fsr-3227	508	6	characteristics	characteristic	NOUN
fsr-3227	508	7	.	.	PUNCT
fsr-3227	509	1	including	include	VERB
fsr-3227	509	2	a	a	DET
fsr-3227	509	3	link	link	NOUN
fsr-3227	509	4	to	to	ADP
fsr-3227	509	5	a	a	DET
fsr-3227	509	6	short	short	ADJ
fsr-3227	509	7	video	video	NOUN
fsr-3227	509	8	on	on	ADP
fsr-3227	509	9	budgeting	budget	VERB
fsr-3227	509	10	in	in	ADP
fsr-3227	509	11	the	the	DET
fsr-3227	509	12	message	message	NOUN
fsr-3227	509	13	may	may	AUX
fsr-3227	509	14	stimulate	stimulate	VERB
fsr-3227	509	15	interest	interest	NOUN
fsr-3227	509	16	in	in	ADP
fsr-3227	509	17	attending	attend	VERB
fsr-3227	509	18	a	a	DET
fsr-3227	509	19	workshop	workshop	NOUN
fsr-3227	509	20	or	or	CCONJ
fsr-3227	509	21	visiting	visit	VERB
fsr-3227	509	22	a	a	DET
fsr-3227	509	23	web	web	NOUN
fsr-3227	509	24	site	site	NOUN
fsr-3227	509	25	containing	contain	VERB
fsr-3227	509	26	budgeting	budget	VERB
fsr-3227	509	27	resources	resource	NOUN
fsr-3227	509	28	(	(	PUNCT
fsr-3227	509	29	e.g.	e.g.	ADV
fsr-3227	509	30	,	,	PUNCT
fsr-3227	509	31	apps	app	NOUN
fsr-3227	509	32	,	,	PUNCT
fsr-3227	509	33	articles	article	NOUN
fsr-3227	509	34	,	,	PUNCT
fsr-3227	509	35	etc	etc	X
fsr-3227	509	36	.	.	X
fsr-3227	509	37	)	)	PUNCT
fsr-3227	509	38	.	.	PUNCT
fsr-3227	510	1	because	because	SCONJ
fsr-3227	510	2	personal	personal	ADJ
fsr-3227	510	3	finance	finance	NOUN
fsr-3227	510	4	education	education	NOUN
fsr-3227	510	5	is	be	AUX
fsr-3227	510	6	voluntary	voluntary	ADJ
fsr-3227	510	7	for	for	ADP
fsr-3227	510	8	most	most	ADJ
fsr-3227	510	9	college	college	NOUN
fsr-3227	510	10	students	student	NOUN
fsr-3227	510	11	,	,	PUNCT
fsr-3227	510	12	designing	design	VERB
fsr-3227	510	13	campus	campus	NOUN
fsr-3227	510	14	offerings	offering	NOUN
fsr-3227	510	15	around	around	ADP
fsr-3227	510	16	student	student	NOUN
fsr-3227	510	17	characteristics	characteristic	NOUN
fsr-3227	510	18	and	and	CCONJ
fsr-3227	510	19	preferences	preference	NOUN
fsr-3227	510	20	may	may	AUX
fsr-3227	510	21	increase	increase	VERB
fsr-3227	510	22	participation	participation	NOUN
fsr-3227	510	23	while	while	SCONJ
fsr-3227	510	24	in	in	ADP
fsr-3227	510	25	college	college	NOUN
fsr-3227	510	26	.	.	PUNCT
fsr-3227	511	1	future	future	ADJ
fsr-3227	511	2	research	research	NOUN
fsr-3227	511	3	may	may	AUX
fsr-3227	511	4	examine	examine	VERB
fsr-3227	511	5	the	the	DET
fsr-3227	511	6	effectiveness	effectiveness	NOUN
fsr-3227	511	7	of	of	ADP
fsr-3227	511	8	this	this	DET
fsr-3227	511	9	approach	approach	NOUN
fsr-3227	511	10	in	in	ADP
fsr-3227	511	11	increasing	increase	VERB
fsr-3227	511	12	college	college	NOUN
fsr-3227	511	13	student	student	NOUN
fsr-3227	511	14	financial	financial	ADJ
fsr-3227	511	15	self	self	NOUN
fsr-3227	511	16	-	-	PUNCT
fsr-3227	511	17	efficacy	efficacy	NOUN
fsr-3227	511	18	and	and	CCONJ
fsr-3227	511	19	literacy	literacy	NOUN
fsr-3227	511	20	.	.	PUNCT
fsr-3227	512	1	note	note	VERB
fsr-3227	512	2	1	1	NUM
fsr-3227	512	3	we	we	PRON
fsr-3227	512	4	intentionally	intentionally	ADV
fsr-3227	512	5	omit	omit	VERB
fsr-3227	512	6	investing	invest	VERB
fsr-3227	512	7	as	as	ADP
fsr-3227	512	8	a	a	DET
fsr-3227	512	9	candidate	candidate	NOUN
fsr-3227	512	10	topic	topic	NOUN
fsr-3227	512	11	.	.	PUNCT
fsr-3227	513	1	in	in	ADP
fsr-3227	513	2	the	the	DET
fsr-3227	513	3	authors	author	NOUN
fsr-3227	513	4	’	'	PUNCT
fsr-3227	513	5	prior	prior	ADJ
fsr-3227	513	6	experience	experience	NOUN
fsr-3227	513	7	with	with	ADP
fsr-3227	513	8	surveying	survey	VERB
fsr-3227	513	9	students	student	NOUN
fsr-3227	513	10	about	about	ADP
fsr-3227	513	11	interest	interest	NOUN
fsr-3227	513	12	in	in	ADP
fsr-3227	513	13	personal	personal	ADJ
fsr-3227	513	14	finance	finance	NOUN
fsr-3227	513	15	education	education	NOUN
fsr-3227	513	16	,	,	PUNCT
fsr-3227	513	17	investing	invest	VERB
fsr-3227	513	18	is	be	AUX
fsr-3227	513	19	the	the	DET
fsr-3227	513	20	most	most	ADV
fsr-3227	513	21	popular	popular	ADJ
fsr-3227	513	22	choice	choice	NOUN
fsr-3227	513	23	.	.	PUNCT
fsr-3227	514	1	our	our	PRON
fsr-3227	514	2	intention	intention	NOUN
fsr-3227	514	3	with	with	ADP
fsr-3227	514	4	the	the	DET
fsr-3227	514	5	current	current	ADJ
fsr-3227	514	6	survey	survey	NOUN
fsr-3227	514	7	is	be	AUX
fsr-3227	514	8	to	to	PART
fsr-3227	514	9	understand	understand	VERB
fsr-3227	514	10	interest	interest	NOUN
fsr-3227	514	11	in	in	ADP
fsr-3227	514	12	subjects	subject	NOUN
fsr-3227	514	13	that	that	PRON
fsr-3227	514	14	may	may	AUX
fsr-3227	514	15	benefit	benefit	VERB
fsr-3227	514	16	students	student	NOUN
fsr-3227	514	17	during	during	ADP
fsr-3227	514	18	the	the	DET
fsr-3227	514	19	college	college	NOUN
fsr-3227	514	20	experience	experience	NOUN
fsr-3227	514	21	.	.	PUNCT
fsr-3227	515	1	acknowledgment	acknowledgment	NOUN
fsr-3227	515	2	the	the	DET
fsr-3227	515	3	authors	author	NOUN
fsr-3227	515	4	acknowledge	acknowledge	VERB
fsr-3227	515	5	the	the	DET
fsr-3227	515	6	university	university	PROPN
fsr-3227	515	7	of	of	ADP
fsr-3227	515	8	tampa	tampa	PROPN
fsr-3227	515	9	dana	dana	PROPN
fsr-3227	515	10	foundation	foundation	PROPN
fsr-3227	515	11	grant	grant	PROPN
fsr-3227	515	12	and	and	CCONJ
fsr-3227	515	13	karla	karla	PROPN
fsr-3227	515	14	borja	borja	PROPN
fsr-3227	515	15	for	for	ADP
fsr-3227	515	16	helpful	helpful	ADJ
fsr-3227	515	17	comments	comment	NOUN
fsr-3227	515	18	.	.	PUNCT
fsr-3227	516	1	371c	371c	NOUN
fsr-3227	516	2	.	.	PUNCT
fsr-3227	517	1	harrington	harrington	PROPN
fsr-3227	517	2	,	,	PUNCT
fsr-3227	517	3	w.	w.	PROPN
fsr-3227	517	4	smith	smith	PROPN
fsr-3227	517	5	/	/	SYM
fsr-3227	517	6	financial	financial	ADJ
fsr-3227	517	7	services	service	NOUN
fsr-3227	517	8	review	review	VERB
fsr-3227	517	9	25	25	NUM
fsr-3227	517	10	(	(	PUNCT
fsr-3227	517	11	2016	2016	NUM
fsr-3227	517	12	)	)	PUNCT
fsr-3227	518	1	351–372	351–372	NUM
fsr-3227	518	2	references	reference	NOUN
fsr-3227	518	3	agarwal	agarwal	PROPN
fsr-3227	518	4	,	,	PUNCT
fsr-3227	518	5	s.	s.	PROPN
fsr-3227	518	6	,	,	PUNCT
fsr-3227	518	7	&	&	CCONJ
fsr-3227	518	8	mazumder	mazumder	PROPN
fsr-3227	518	9	,	,	PUNCT
fsr-3227	518	10	b.	b.	PROPN
fsr-3227	518	11	(	(	PUNCT
fsr-3227	518	12	2013	2013	NUM
fsr-3227	518	13	)	)	PUNCT
fsr-3227	518	14	.	.	PUNCT
fsr-3227	519	1	cognitive	cognitive	ADJ
fsr-3227	519	2	abilities	ability	NOUN
fsr-3227	519	3	and	and	CCONJ
fsr-3227	519	4	household	household	NOUN
fsr-3227	519	5	financial	financial	ADJ
fsr-3227	519	6	decision	decision	NOUN
fsr-3227	519	7	making	making	NOUN
fsr-3227	519	8	.	.	PUNCT
fsr-3227	520	1	american	american	ADJ
fsr-3227	520	2	economic	economic	PROPN
fsr-3227	520	3	journal	journal	PROPN
fsr-3227	520	4	:	:	PUNCT
fsr-3227	520	5	applied	apply	VERB
fsr-3227	520	6	economics	economic	NOUN
fsr-3227	520	7	,	,	PUNCT
fsr-3227	520	8	5	5	NUM
fsr-3227	520	9	,	,	PUNCT
fsr-3227	520	10	193–207	193–207	NUM
fsr-3227	520	11	.	.	PUNCT
fsr-3227	520	12	banks	bank	NOUN
fsr-3227	520	13	,	,	PUNCT
fsr-3227	520	14	j.	j.	PROPN
fsr-3227	520	15	,	,	PUNCT
fsr-3227	520	16	&	&	CCONJ
fsr-3227	520	17	oldfield	oldfield	PROPN
fsr-3227	520	18	,	,	PUNCT
fsr-3227	520	19	z.	z.	PROPN
fsr-3227	520	20	(	(	PUNCT
fsr-3227	520	21	2007	2007	NUM
fsr-3227	520	22	)	)	PUNCT
fsr-3227	520	23	.	.	PUNCT
fsr-3227	521	1	understanding	understand	VERB
fsr-3227	521	2	pensions	pension	NOUN
fsr-3227	521	3	:	:	PUNCT
fsr-3227	521	4	cognitive	cognitive	ADJ
fsr-3227	521	5	function	function	NOUN
fsr-3227	521	6	,	,	PUNCT
fsr-3227	521	7	numerical	numerical	ADJ
fsr-3227	521	8	ability	ability	NOUN
fsr-3227	521	9	and	and	CCONJ
fsr-3227	521	10	retirement	retirement	NOUN
fsr-3227	521	11	saving	saving	NOUN
fsr-3227	521	12	.	.	PUNCT
fsr-3227	522	1	fiscal	fiscal	ADJ
fsr-3227	522	2	studies	study	NOUN
fsr-3227	522	3	,	,	PUNCT
fsr-3227	522	4	28	28	NUM
fsr-3227	522	5	,	,	PUNCT
fsr-3227	522	6	143–170	143–170	NUM
fsr-3227	522	7	.	.	PUNCT
fsr-3227	523	1	bansak	bansak	PROPN
fsr-3227	523	2	,	,	PUNCT
fsr-3227	523	3	c.	c.	PROPN
fsr-3227	523	4	,	,	PUNCT
fsr-3227	523	5	&	&	CCONJ
fsr-3227	523	6	starr	starr	PROPN
fsr-3227	523	7	,	,	PUNCT
fsr-3227	523	8	m.	m.	NOUN
fsr-3227	523	9	(	(	PUNCT
fsr-3227	523	10	2010	2010	NUM
fsr-3227	523	11	)	)	PUNCT
fsr-3227	523	12	.	.	PUNCT
fsr-3227	524	1	gender	gender	NOUN
fsr-3227	524	2	differences	difference	NOUN
fsr-3227	524	3	in	in	ADP
fsr-3227	524	4	predispositions	predisposition	NOUN
fsr-3227	524	5	towards	towards	ADP
fsr-3227	524	6	economics	economic	NOUN
fsr-3227	524	7	.	.	PUNCT
fsr-3227	525	1	eastern	eastern	ADJ
fsr-3227	525	2	economic	economic	ADJ
fsr-3227	525	3	journal	journal	NOUN
fsr-3227	525	4	,	,	PUNCT
fsr-3227	525	5	36	36	NUM
fsr-3227	525	6	,	,	PUNCT
fsr-3227	525	7	33–57	33–57	NUM
fsr-3227	525	8	.	.	PUNCT
fsr-3227	526	1	beierlein	beierlein	PROPN
fsr-3227	526	2	,	,	PUNCT
fsr-3227	526	3	j.	j.	PROPN
fsr-3227	526	4	j.	j.	PROPN
fsr-3227	526	5	,	,	PUNCT
fsr-3227	526	6	&	&	CCONJ
fsr-3227	526	7	neverett	neverett	PROPN
fsr-3227	526	8	,	,	PUNCT
fsr-3227	526	9	m.	m.	NOUN
fsr-3227	526	10	(	(	PUNCT
fsr-3227	526	11	2013	2013	NUM
fsr-3227	526	12	)	)	PUNCT
fsr-3227	526	13	.	.	PUNCT
fsr-3227	527	1	who	who	PRON
fsr-3227	527	2	takes	take	VERB
fsr-3227	527	3	personal	personal	ADJ
fsr-3227	527	4	finance	finance	NOUN
fsr-3227	527	5	?	?	PUNCT
fsr-3227	528	1	financial	financial	ADJ
fsr-3227	528	2	services	service	NOUN
fsr-3227	528	3	review	review	PROPN
fsr-3227	528	4	,	,	PUNCT
fsr-3227	528	5	22	22	NUM
fsr-3227	528	6	,	,	PUNCT
fsr-3227	528	7	151–171	151–171	NUM
fsr-3227	528	8	.	.	PUNCT
fsr-3227	529	1	bernheim	bernheim	PROPN
fsr-3227	529	2	,	,	PUNCT
fsr-3227	529	3	b.	b.	PROPN
fsr-3227	529	4	d.	d.	PROPN
fsr-3227	529	5	,	,	PUNCT
fsr-3227	529	6	garrett	garrett	PROPN
fsr-3227	529	7	,	,	PUNCT
fsr-3227	529	8	d.	d.	PROPN
fsr-3227	529	9	m.	m.	PROPN
fsr-3227	529	10	,	,	PUNCT
fsr-3227	529	11	&	&	CCONJ
fsr-3227	529	12	maki	maki	PROPN
fsr-3227	529	13	,	,	PUNCT
fsr-3227	529	14	d.	d.	PROPN
fsr-3227	529	15	m.	m.	PROPN
fsr-3227	529	16	(	(	PUNCT
fsr-3227	529	17	2001	2001	NUM
fsr-3227	529	18	)	)	PUNCT
fsr-3227	529	19	.	.	PUNCT
fsr-3227	530	1	education	education	NOUN
fsr-3227	530	2	and	and	CCONJ
fsr-3227	530	3	saving	saving	NOUN
fsr-3227	530	4	:	:	PUNCT
fsr-3227	530	5	the	the	DET
fsr-3227	530	6	long	long	ADJ
fsr-3227	530	7	-	-	PUNCT
fsr-3227	530	8	term	term	NOUN
fsr-3227	530	9	effects	effect	NOUN
fsr-3227	530	10	of	of	ADP
fsr-3227	530	11	high	high	ADJ
fsr-3227	530	12	school	school	NOUN
fsr-3227	530	13	financial	financial	ADJ
fsr-3227	530	14	curriculum	curriculum	NOUN
fsr-3227	530	15	mandates	mandate	NOUN
fsr-3227	530	16	.	.	PUNCT
fsr-3227	531	1	journal	journal	NOUN
fsr-3227	531	2	of	of	ADP
fsr-3227	531	3	public	public	ADJ
fsr-3227	531	4	economics	economic	NOUN
fsr-3227	531	5	,	,	PUNCT
fsr-3227	531	6	80	80	NUM
fsr-3227	531	7	,	,	PUNCT
fsr-3227	531	8	435–465	435–465	NUM
fsr-3227	531	9	.	.	PUNCT
fsr-3227	532	1	bureau	bureau	PROPN
fsr-3227	532	2	of	of	ADP
fsr-3227	532	3	labor	labor	PROPN
fsr-3227	532	4	statistics	statistics	PROPN
fsr-3227	532	5	,	,	PUNCT
fsr-3227	532	6	u.s	u.s	PROPN
fsr-3227	532	7	.	.	PROPN
fsr-3227	532	8	department	department	PROPN
fsr-3227	532	9	of	of	ADP
fsr-3227	532	10	labor	labor	NOUN
fsr-3227	532	11	.	.	PUNCT
fsr-3227	533	1	(	(	PUNCT
fsr-3227	533	2	2006	2006	NUM
fsr-3227	533	3	)	)	PUNCT
fsr-3227	533	4	.	.	PUNCT
fsr-3227	534	1	national	national	PROPN
fsr-3227	534	2	longitudinal	longitudinal	ADJ
fsr-3227	534	3	survey	survey	NOUN
fsr-3227	534	4	of	of	ADP
fsr-3227	534	5	youth	youth	NOUN
fsr-3227	534	6	1979	1979	NUM
fsr-3227	534	7	cohort	cohort	NOUN
fsr-3227	534	8	,	,	PUNCT
fsr-3227	534	9	(	(	PUNCT
fsr-3227	534	10	round	round	NOUN
fsr-3227	534	11	22	22	NUM
fsr-3227	534	12	)	)	PUNCT
fsr-3227	534	13	(	(	PUNCT
fsr-3227	534	14	available	available	ADJ
fsr-3227	534	15	at	at	ADP
fsr-3227	534	16	:	:	PUNCT
fsr-3227	534	17	https://www.nlsinfo.org/sites/nlsinfo.org/files/attachments/121210/19.consumption	https://www.nlsinfo.org/sites/nlsinfo.org/files/attachments/121210/19.consumption	NOUN
fsr-3227	534	18	%	%	NOUN
fsr-3227	534	19	20impatience%20risk.html	20impatience%20risk.html	NUM
fsr-3227	534	20	)	)	PUNCT
fsr-3227	534	21	.	.	PUNCT
fsr-3227	535	1	chen	chen	PROPN
fsr-3227	535	2	,	,	PUNCT
fsr-3227	535	3	h.	h.	PROPN
fsr-3227	535	4	,	,	PUNCT
fsr-3227	535	5	&	&	CCONJ
fsr-3227	535	6	volpe	volpe	PROPN
fsr-3227	535	7	,	,	PUNCT
fsr-3227	535	8	r.	r.	PROPN
fsr-3227	535	9	p.	p.	PROPN
fsr-3227	535	10	(	(	PUNCT
fsr-3227	535	11	1998	1998	NUM
fsr-3227	535	12	)	)	PUNCT
fsr-3227	535	13	.	.	PUNCT
fsr-3227	536	1	an	an	DET
fsr-3227	536	2	analysis	analysis	NOUN
fsr-3227	536	3	of	of	ADP
fsr-3227	536	4	personal	personal	ADJ
fsr-3227	536	5	financial	financial	ADJ
fsr-3227	536	6	literacy	literacy	NOUN
fsr-3227	536	7	among	among	ADP
fsr-3227	536	8	college	college	NOUN
fsr-3227	536	9	students	student	NOUN
fsr-3227	536	10	.	.	PUNCT
fsr-3227	537	1	financial	financial	ADJ
fsr-3227	537	2	services	service	NOUN
fsr-3227	537	3	review	review	PROPN
fsr-3227	537	4	,	,	PUNCT
fsr-3227	537	5	7	7	NUM
fsr-3227	537	6	,	,	PUNCT
fsr-3227	537	7	107–128	107–128	NUM
fsr-3227	537	8	.	.	PUNCT
fsr-3227	538	1	chen	chen	PROPN
fsr-3227	538	2	,	,	PUNCT
fsr-3227	538	3	h.	h.	PROPN
fsr-3227	538	4	,	,	PUNCT
fsr-3227	538	5	&	&	CCONJ
fsr-3227	538	6	volpe	volpe	PROPN
fsr-3227	538	7	,	,	PUNCT
fsr-3227	538	8	r.	r.	PROPN
fsr-3227	538	9	p.	p.	PROPN
fsr-3227	538	10	(	(	PUNCT
fsr-3227	538	11	2002	2002	NUM
fsr-3227	538	12	)	)	PUNCT
fsr-3227	538	13	.	.	PUNCT
fsr-3227	539	1	gender	gender	NOUN
fsr-3227	539	2	differences	difference	NOUN
fsr-3227	539	3	in	in	ADP
fsr-3227	539	4	personal	personal	ADJ
fsr-3227	539	5	financial	financial	ADJ
fsr-3227	539	6	literacy	literacy	NOUN
fsr-3227	539	7	among	among	ADP
fsr-3227	539	8	college	college	NOUN
fsr-3227	539	9	students	student	NOUN
fsr-3227	539	10	.	.	PUNCT
fsr-3227	540	1	financial	financial	ADJ
fsr-3227	540	2	services	service	NOUN
fsr-3227	540	3	review	review	PROPN
fsr-3227	540	4	,	,	PUNCT
fsr-3227	540	5	11	11	NUM
fsr-3227	540	6	,	,	PUNCT
fsr-3227	540	7	289–307	289–307	NUM
fsr-3227	540	8	.	.	PUNCT
fsr-3227	541	1	cole	cole	PROPN
fsr-3227	541	2	,	,	PUNCT
fsr-3227	541	3	s.	s.	PROPN
fsr-3227	541	4	,	,	PUNCT
fsr-3227	541	5	paulson	paulson	PROPN
fsr-3227	541	6	,	,	PUNCT
fsr-3227	541	7	a.	a.	PROPN
fsr-3227	541	8	,	,	PUNCT
fsr-3227	541	9	&	&	CCONJ
fsr-3227	541	10	shastry	shastry	PROPN
fsr-3227	541	11	,	,	PUNCT
fsr-3227	541	12	g.	g.	PROPN
fsr-3227	541	13	k.	k.	PROPN
fsr-3227	541	14	(	(	PUNCT
fsr-3227	541	15	2016	2016	NUM
fsr-3227	541	16	)	)	PUNCT
fsr-3227	541	17	.	.	PUNCT
fsr-3227	542	1	high	high	ADJ
fsr-3227	542	2	school	school	NOUN
fsr-3227	542	3	curriculum	curriculum	NOUN
fsr-3227	542	4	and	and	CCONJ
fsr-3227	542	5	financial	financial	ADJ
fsr-3227	542	6	outcomes	outcome	NOUN
fsr-3227	542	7	.	.	PUNCT
fsr-3227	543	1	journal	journal	PROPN
fsr-3227	543	2	of	of	ADP
fsr-3227	543	3	human	human	ADJ
fsr-3227	543	4	resources	resource	NOUN
fsr-3227	543	5	,	,	PUNCT
fsr-3227	543	6	51	51	NUM
fsr-3227	543	7	,	,	PUNCT
fsr-3227	543	8	656–698	656–698	NUM
fsr-3227	543	9	.	.	PUNCT
fsr-3227	544	1	council	council	PROPN
fsr-3227	544	2	for	for	ADP
fsr-3227	544	3	economic	economic	ADJ
fsr-3227	544	4	education	education	NOUN
fsr-3227	544	5	.	.	PUNCT
fsr-3227	545	1	(	(	PUNCT
fsr-3227	545	2	2014	2014	NUM
fsr-3227	545	3	)	)	PUNCT
fsr-3227	545	4	.	.	PUNCT
fsr-3227	546	1	survey	survey	NOUN
fsr-3227	546	2	of	of	ADP
fsr-3227	546	3	the	the	DET
fsr-3227	546	4	states	state	NOUN
fsr-3227	546	5	:	:	PUNCT
fsr-3227	546	6	economic	economic	ADJ
fsr-3227	546	7	and	and	CCONJ
fsr-3227	546	8	personal	personal	ADJ
fsr-3227	546	9	finance	finance	NOUN
fsr-3227	546	10	education	education	NOUN
fsr-3227	546	11	in	in	ADP
fsr-3227	546	12	our	our	PRON
fsr-3227	546	13	nation	nation	NOUN
fsr-3227	546	14	’s	’s	PART
fsr-3227	546	15	schools	school	NOUN
fsr-3227	546	16	2014	2014	NUM
fsr-3227	546	17	(	(	PUNCT
fsr-3227	546	18	available	available	ADJ
fsr-3227	546	19	at	at	ADP
fsr-3227	546	20	:	:	PUNCT
fsr-3227	546	21	http://www.councilforeconed.org/wp/wp-content/uploads/2014/02/2014survey-of-the-states.pdf	http://www.councilforeconed.org/wp/wp-content/uploads/2014/02/2014survey-of-the-states.pdf	NOUN
fsr-3227	546	22	)	)	PUNCT
fsr-3227	546	23	.	.	PUNCT
fsr-3227	547	1	cummins	cummin	NOUN
fsr-3227	547	2	,	,	PUNCT
fsr-3227	547	3	m.	m.	NOUN
fsr-3227	547	4	,	,	PUNCT
fsr-3227	547	5	haskell	haskell	PROPN
fsr-3227	547	6	,	,	PUNCT
fsr-3227	547	7	j.	j.	PROPN
fsr-3227	547	8	h.	h.	PROPN
fsr-3227	547	9	,	,	PUNCT
fsr-3227	547	10	&	&	CCONJ
fsr-3227	547	11	jenkins	jenkins	PROPN
fsr-3227	547	12	,	,	PUNCT
fsr-3227	547	13	s.	s.	PROPN
fsr-3227	547	14	j.	j.	PROPN
fsr-3227	547	15	(	(	PUNCT
fsr-3227	547	16	2009	2009	NUM
fsr-3227	547	17	)	)	PUNCT
fsr-3227	547	18	.	.	PUNCT
fsr-3227	548	1	financial	financial	ADJ
fsr-3227	548	2	attitudes	attitude	NOUN
fsr-3227	548	3	and	and	CCONJ
fsr-3227	548	4	spending	spending	NOUN
fsr-3227	548	5	habits	habit	NOUN
fsr-3227	548	6	of	of	ADP
fsr-3227	548	7	university	university	NOUN
fsr-3227	548	8	freshmen	freshman	NOUN
fsr-3227	548	9	.	.	PUNCT
fsr-3227	549	1	journal	journal	PROPN
fsr-3227	549	2	of	of	ADP
fsr-3227	549	3	economics	economics	PROPN
fsr-3227	549	4	&	&	CCONJ
fsr-3227	549	5	economic	economic	ADJ
fsr-3227	549	6	education	education	NOUN
fsr-3227	549	7	research	research	NOUN
fsr-3227	549	8	,	,	PUNCT
fsr-3227	549	9	10	10	NUM
fsr-3227	549	10	,	,	PUNCT
fsr-3227	549	11	3–20	3–20	PROPN
fsr-3227	549	12	.	.	PUNCT
fsr-3227	550	1	gerardi	gerardi	PROPN
fsr-3227	550	2	,	,	PUNCT
fsr-3227	550	3	k.	k.	PROPN
fsr-3227	550	4	,	,	PUNCT
fsr-3227	550	5	goette	goette	NOUN
fsr-3227	550	6	,	,	PUNCT
fsr-3227	550	7	l.	l.	PROPN
fsr-3227	550	8	,	,	PUNCT
fsr-3227	550	9	&	&	CCONJ
fsr-3227	550	10	meier	meier	PROPN
fsr-3227	550	11	,	,	PUNCT
fsr-3227	550	12	s.	s.	PROPN
fsr-3227	550	13	(	(	PUNCT
fsr-3227	550	14	2013	2013	NUM
fsr-3227	550	15	)	)	PUNCT
fsr-3227	550	16	.	.	PUNCT
fsr-3227	551	1	numerical	numerical	ADJ
fsr-3227	551	2	ability	ability	NOUN
fsr-3227	551	3	predicts	predict	VERB
fsr-3227	551	4	mortgage	mortgage	NOUN
fsr-3227	551	5	default	default	NOUN
fsr-3227	551	6	.	.	PUNCT
fsr-3227	552	1	proceedings	proceeding	NOUN
fsr-3227	552	2	of	of	ADP
fsr-3227	552	3	the	the	DET
fsr-3227	552	4	national	national	PROPN
fsr-3227	552	5	academy	academy	PROPN
fsr-3227	552	6	of	of	ADP
fsr-3227	552	7	sciences	sciences	PROPN
fsr-3227	552	8	,	,	PUNCT
fsr-3227	552	9	110	110	NUM
fsr-3227	552	10	,	,	PUNCT
fsr-3227	552	11	11267–11271	11267–11271	NUM
fsr-3227	552	12	.	.	PUNCT
fsr-3227	553	1	doi:10.1073	doi:10.1073	NOUN
fsr-3227	553	2	/	/	SYM
fsr-3227	553	3	pnas.1220568110	pnas.1220568110	PROPN
fsr-3227	553	4	.	.	PUNCT
fsr-3227	554	1	goetz	goetz	PROPN
fsr-3227	554	2	,	,	PUNCT
fsr-3227	554	3	j.	j.	PROPN
fsr-3227	554	4	,	,	PUNCT
fsr-3227	554	5	cude	cude	ADJ
fsr-3227	554	6	,	,	PUNCT
fsr-3227	554	7	b.	b.	PROPN
fsr-3227	554	8	j.	j.	PROPN
fsr-3227	554	9	,	,	PUNCT
fsr-3227	554	10	nielsen	nielsen	PROPN
fsr-3227	554	11	,	,	PUNCT
fsr-3227	554	12	r.	r.	PROPN
fsr-3227	554	13	b.	b.	PROPN
fsr-3227	554	14	,	,	PUNCT
fsr-3227	554	15	chatterjee	chatterjee	PROPN
fsr-3227	554	16	,	,	PUNCT
fsr-3227	554	17	s.	s.	PROPN
fsr-3227	554	18	,	,	PUNCT
fsr-3227	554	19	&	&	CCONJ
fsr-3227	554	20	mimura	mimura	PROPN
fsr-3227	554	21	,	,	PUNCT
fsr-3227	554	22	y.	y.	PROPN
fsr-3227	554	23	(	(	PUNCT
fsr-3227	554	24	2011	2011	NUM
fsr-3227	554	25	)	)	PUNCT
fsr-3227	554	26	.	.	PUNCT
fsr-3227	555	1	college	college	NOUN
fsr-3227	555	2	-	-	PUNCT
fsr-3227	555	3	based	base	VERB
fsr-3227	555	4	personal	personal	ADJ
fsr-3227	555	5	finance	finance	NOUN
fsr-3227	555	6	education	education	NOUN
fsr-3227	555	7	:	:	PUNCT
fsr-3227	555	8	student	student	NOUN
fsr-3227	555	9	interest	interest	NOUN
fsr-3227	555	10	in	in	ADP
fsr-3227	555	11	three	three	NUM
fsr-3227	555	12	delivery	delivery	NOUN
fsr-3227	555	13	methods	method	NOUN
fsr-3227	555	14	.	.	PUNCT
fsr-3227	556	1	journal	journal	NOUN
fsr-3227	556	2	of	of	ADP
fsr-3227	556	3	financial	financial	ADJ
fsr-3227	556	4	counseling	counseling	NOUN
fsr-3227	556	5	&	&	CCONJ
fsr-3227	556	6	planning	planning	NOUN
fsr-3227	556	7	,	,	PUNCT
fsr-3227	556	8	22	22	NUM
fsr-3227	556	9	,	,	PUNCT
fsr-3227	556	10	27–42	27–42	NUM
fsr-3227	556	11	.	.	PROPN
fsr-3227	556	12	hastings	hastings	PROPN
fsr-3227	556	13	,	,	PUNCT
fsr-3227	556	14	j.	j.	PROPN
fsr-3227	556	15	s.	s.	PROPN
fsr-3227	556	16	,	,	PUNCT
fsr-3227	556	17	madrian	madrian	PROPN
fsr-3227	556	18	,	,	PUNCT
fsr-3227	556	19	b.	b.	PROPN
fsr-3227	556	20	c.	c.	PROPN
fsr-3227	556	21	,	,	PUNCT
fsr-3227	556	22	&	&	CCONJ
fsr-3227	556	23	skimmyhorn	skimmyhorn	PROPN
fsr-3227	556	24	,	,	PUNCT
fsr-3227	556	25	w.	w.	PROPN
fsr-3227	556	26	l.	l.	PROPN
fsr-3227	556	27	(	(	PUNCT
fsr-3227	556	28	2013	2013	NUM
fsr-3227	556	29	)	)	PUNCT
fsr-3227	556	30	.	.	PUNCT
fsr-3227	557	1	financial	financial	ADJ
fsr-3227	557	2	literacy	literacy	NOUN
fsr-3227	557	3	,	,	PUNCT
fsr-3227	557	4	financial	financial	ADJ
fsr-3227	557	5	education	education	NOUN
fsr-3227	557	6	,	,	PUNCT
fsr-3227	557	7	and	and	CCONJ
fsr-3227	557	8	economic	economic	ADJ
fsr-3227	557	9	outcomes	outcome	NOUN
fsr-3227	557	10	.	.	PUNCT
fsr-3227	558	1	annual	annual	ADJ
fsr-3227	558	2	review	review	NOUN
fsr-3227	558	3	of	of	ADP
fsr-3227	558	4	economics	economic	NOUN
fsr-3227	558	5	,	,	PUNCT
fsr-3227	558	6	5	5	NUM
fsr-3227	558	7	,	,	PUNCT
fsr-3227	558	8	347–373	347–373	NUM
fsr-3227	558	9	.	.	PUNCT
fsr-3227	559	1	jappelli	jappelli	PROPN
fsr-3227	559	2	,	,	PUNCT
fsr-3227	559	3	t.	t.	PROPN
fsr-3227	559	4	,	,	PUNCT
fsr-3227	559	5	&	&	CCONJ
fsr-3227	559	6	padula	padula	NOUN
fsr-3227	559	7	,	,	PUNCT
fsr-3227	559	8	m.	m.	NOUN
fsr-3227	559	9	(	(	PUNCT
fsr-3227	559	10	2013	2013	NUM
fsr-3227	559	11	)	)	PUNCT
fsr-3227	559	12	.	.	PUNCT
fsr-3227	560	1	investment	investment	NOUN
fsr-3227	560	2	in	in	ADP
fsr-3227	560	3	financial	financial	ADJ
fsr-3227	560	4	literacy	literacy	NOUN
fsr-3227	560	5	and	and	CCONJ
fsr-3227	560	6	saving	saving	NOUN
fsr-3227	560	7	decisions	decision	NOUN
fsr-3227	560	8	.	.	PUNCT
fsr-3227	561	1	journal	journal	NOUN
fsr-3227	561	2	of	of	ADP
fsr-3227	561	3	banking	banking	NOUN
fsr-3227	561	4	&	&	CCONJ
fsr-3227	561	5	finance	finance	PROPN
fsr-3227	561	6	,	,	PUNCT
fsr-3227	561	7	37	37	NUM
fsr-3227	561	8	,	,	PUNCT
fsr-3227	561	9	2779–2792	2779–2792	NUM
fsr-3227	561	10	.	.	PUNCT
fsr-3227	561	11	kapoor	kapoor	PROPN
fsr-3227	561	12	,	,	PUNCT
fsr-3227	561	13	j.	j.	PROPN
fsr-3227	561	14	r.	r.	PROPN
fsr-3227	561	15	,	,	PUNCT
fsr-3227	561	16	dlabay	dlabay	PROPN
fsr-3227	561	17	,	,	PUNCT
fsr-3227	561	18	l.	l.	PROPN
fsr-3227	561	19	r.	r.	PROPN
fsr-3227	561	20	,	,	PUNCT
fsr-3227	561	21	&	&	CCONJ
fsr-3227	561	22	hughes	hughes	PROPN
fsr-3227	561	23	,	,	PUNCT
fsr-3227	561	24	r.	r.	PROPN
fsr-3227	561	25	j.	j.	PROPN
fsr-3227	561	26	(	(	PUNCT
fsr-3227	561	27	2013	2013	NUM
fsr-3227	561	28	)	)	PUNCT
fsr-3227	561	29	.	.	PUNCT
fsr-3227	562	1	focus	focus	VERB
fsr-3227	562	2	on	on	ADP
fsr-3227	562	3	personal	personal	ADJ
fsr-3227	562	4	finance	finance	NOUN
fsr-3227	562	5	:	:	PUNCT
fsr-3227	562	6	an	an	DET
fsr-3227	562	7	active	active	ADJ
fsr-3227	562	8	approach	approach	NOUN
fsr-3227	562	9	to	to	PART
fsr-3227	562	10	help	help	VERB
fsr-3227	562	11	you	you	PRON
fsr-3227	562	12	develop	develop	VERB
fsr-3227	562	13	successful	successful	ADJ
fsr-3227	562	14	financial	financial	ADJ
fsr-3227	562	15	skills	skill	NOUN
fsr-3227	562	16	(	(	PUNCT
fsr-3227	562	17	4th	4th	ADJ
fsr-3227	562	18	ed	ed	NOUN
fsr-3227	562	19	.	.	PUNCT
fsr-3227	562	20	)	)	PUNCT
fsr-3227	562	21	.	.	PUNCT
fsr-3227	563	1	new	new	PROPN
fsr-3227	563	2	york	york	PROPN
fsr-3227	563	3	,	,	PUNCT
fsr-3227	563	4	ny	ny	PROPN
fsr-3227	563	5	:	:	PUNCT
fsr-3227	563	6	mcgraw	mcgraw	PROPN
fsr-3227	563	7	-	-	PUNCT
fsr-3227	563	8	hill	hill	NOUN
fsr-3227	563	9	.	.	PUNCT
fsr-3227	564	1	lyons	lyons	PROPN
fsr-3227	564	2	,	,	PUNCT
fsr-3227	564	3	a.	a.	PROPN
fsr-3227	564	4	c.	c.	PROPN
fsr-3227	564	5	(	(	PUNCT
fsr-3227	564	6	2004	2004	NUM
fsr-3227	564	7	)	)	PUNCT
fsr-3227	564	8	.	.	PUNCT
fsr-3227	565	1	a	a	DET
fsr-3227	565	2	profile	profile	NOUN
fsr-3227	565	3	of	of	ADP
fsr-3227	565	4	financially	financially	ADV
fsr-3227	565	5	at	at	ADP
fsr-3227	565	6	-	-	PUNCT
fsr-3227	565	7	risk	risk	NOUN
fsr-3227	565	8	college	college	NOUN
fsr-3227	565	9	students	student	NOUN
fsr-3227	565	10	.	.	PUNCT
fsr-3227	566	1	journal	journal	NOUN
fsr-3227	566	2	of	of	ADP
fsr-3227	566	3	consumer	consumer	NOUN
fsr-3227	566	4	affairs	affair	NOUN
fsr-3227	566	5	,	,	PUNCT
fsr-3227	566	6	38	38	NUM
fsr-3227	566	7	,	,	PUNCT
fsr-3227	566	8	56–80	56–80	PROPN
fsr-3227	566	9	.	.	PUNCT
fsr-3227	567	1	mandell	mandell	PROPN
fsr-3227	567	2	,	,	PUNCT
fsr-3227	567	3	l.	l.	PROPN
fsr-3227	567	4	,	,	PUNCT
fsr-3227	567	5	&	&	CCONJ
fsr-3227	567	6	klein	klein	PROPN
fsr-3227	567	7	,	,	PUNCT
fsr-3227	567	8	l.	l.	PROPN
fsr-3227	567	9	(	(	PUNCT
fsr-3227	567	10	2009	2009	NUM
fsr-3227	567	11	)	)	PUNCT
fsr-3227	567	12	.	.	PUNCT
fsr-3227	568	1	the	the	DET
fsr-3227	568	2	impact	impact	NOUN
fsr-3227	568	3	of	of	ADP
fsr-3227	568	4	financial	financial	ADJ
fsr-3227	568	5	literacy	literacy	NOUN
fsr-3227	568	6	education	education	NOUN
fsr-3227	568	7	on	on	ADP
fsr-3227	568	8	subsequent	subsequent	ADJ
fsr-3227	568	9	financial	financial	ADJ
fsr-3227	568	10	behavior	behavior	NOUN
fsr-3227	568	11	.	.	PUNCT
fsr-3227	569	1	journal	journal	PROPN
fsr-3227	569	2	of	of	ADP
fsr-3227	569	3	financial	financial	ADJ
fsr-3227	569	4	counseling	counseling	NOUN
fsr-3227	569	5	&	&	CCONJ
fsr-3227	569	6	planning	planning	NOUN
fsr-3227	569	7	,	,	PUNCT
fsr-3227	569	8	20	20	NUM
fsr-3227	569	9	,	,	PUNCT
fsr-3227	569	10	15–24	15–24	NUM
fsr-3227	569	11	.	.	PUNCT
fsr-3227	570	1	meier	meier	PROPN
fsr-3227	570	2	,	,	PUNCT
fsr-3227	570	3	s.	s.	PROPN
fsr-3227	570	4	,	,	PUNCT
fsr-3227	570	5	&	&	CCONJ
fsr-3227	570	6	sprenger	sprenger	PROPN
fsr-3227	570	7	,	,	PUNCT
fsr-3227	570	8	c.	c.	PROPN
fsr-3227	570	9	d.	d.	PROPN
fsr-3227	570	10	(	(	PUNCT
fsr-3227	570	11	2013	2013	NUM
fsr-3227	570	12	)	)	PUNCT
fsr-3227	570	13	.	.	PUNCT
fsr-3227	571	1	discounting	discount	VERB
fsr-3227	571	2	financial	financial	ADJ
fsr-3227	571	3	literacy	literacy	NOUN
fsr-3227	571	4	:	:	PUNCT
fsr-3227	571	5	time	time	NOUN
fsr-3227	571	6	preferences	preference	NOUN
fsr-3227	571	7	and	and	CCONJ
fsr-3227	571	8	participation	participation	NOUN
fsr-3227	571	9	in	in	ADP
fsr-3227	571	10	financial	financial	ADJ
fsr-3227	571	11	education	education	NOUN
fsr-3227	571	12	programs	program	NOUN
fsr-3227	571	13	.	.	PUNCT
fsr-3227	572	1	journal	journal	NOUN
fsr-3227	572	2	of	of	ADP
fsr-3227	572	3	economic	economic	ADJ
fsr-3227	572	4	behavior	behavior	NOUN
fsr-3227	572	5	&	&	CCONJ
fsr-3227	572	6	organization	organization	PROPN
fsr-3227	572	7	,	,	PUNCT
fsr-3227	572	8	95	95	NUM
fsr-3227	572	9	,	,	PUNCT
fsr-3227	572	10	159–174	159–174	NUM
fsr-3227	572	11	.	.	PUNCT
fsr-3227	573	1	oecd	oecd	PROPN
fsr-3227	573	2	.	.	PUNCT
fsr-3227	574	1	(	(	PUNCT
fsr-3227	574	2	2014	2014	NUM
fsr-3227	574	3	)	)	PUNCT
fsr-3227	574	4	.	.	PUNCT
fsr-3227	575	1	pisa	pisa	PROPN
fsr-3227	575	2	2012	2012	NUM
fsr-3227	575	3	results	result	NOUN
fsr-3227	575	4	:	:	PUNCT
fsr-3227	575	5	students	student	NOUN
fsr-3227	575	6	and	and	CCONJ
fsr-3227	575	7	money	money	NOUN
fsr-3227	575	8	:	:	PUNCT
fsr-3227	575	9	financial	financial	ADJ
fsr-3227	575	10	literacy	literacy	NOUN
fsr-3227	575	11	skills	skill	NOUN
fsr-3227	575	12	for	for	ADP
fsr-3227	575	13	the	the	DET
fsr-3227	575	14	21st	21st	ADJ
fsr-3227	575	15	century	century	NOUN
fsr-3227	575	16	(	(	PUNCT
fsr-3227	575	17	vol	vol	NOUN
fsr-3227	575	18	.	.	PUNCT
fsr-3227	575	19	vi	vi	NUM
fsr-3227	575	20	)	)	PUNCT
fsr-3227	575	21	.	.	PUNCT
fsr-3227	576	1	paris	paris	PROPN
fsr-3227	576	2	:	:	PUNCT
fsr-3227	577	1	pisa	pisa	PROPN
fsr-3227	577	2	,	,	PUNCT
fsr-3227	577	3	oecd	oecd	PROPN
fsr-3227	577	4	publishing	publishing	NOUN
fsr-3227	577	5	.	.	PUNCT
fsr-3227	578	1	372	372	NUM
fsr-3227	578	2	c.	c.	PROPN
fsr-3227	578	3	harrington	harrington	PROPN
fsr-3227	578	4	,	,	PUNCT
fsr-3227	578	5	w.	w.	PROPN
fsr-3227	578	6	smith	smith	PROPN
fsr-3227	578	7	/	/	SYM
fsr-3227	578	8	financial	financial	ADJ
fsr-3227	578	9	services	service	NOUN
fsr-3227	578	10	review	review	VERB
fsr-3227	578	11	25	25	NUM
fsr-3227	578	12	(	(	PUNCT
fsr-3227	578	13	2016	2016	NUM
fsr-3227	578	14	)	)	PUNCT
fsr-3227	579	1	351–372	351–372	NUM