id	sid	tid	token	lemma	pos
fsr-3232	1	1	gender	gender	NOUN
fsr-3232	1	2	differences	difference	NOUN
fsr-3232	1	3	in	in	ADP
fsr-3232	1	4	saving	save	VERB
fsr-3232	1	5	behaviors	behavior	NOUN
fsr-3232	1	6	among	among	ADP
fsr-3232	1	7	lowto	lowto	NOUN
fsr-3232	1	8	moderate	moderate	ADJ
fsr-3232	1	9	-	-	PUNCT
fsr-3232	1	10	income	income	NOUN
fsr-3232	1	11	households	household	NOUN
fsr-3232	1	12	patti	patti	PROPN
fsr-3232	1	13	j.	j.	PROPN
fsr-3232	1	14	fisher	fisher	PROPN
fsr-3232	1	15	,	,	PUNCT
fsr-3232	1	16	ph.d.a	ph.d.a	PROPN
fsr-3232	1	17	,	,	PUNCT
fsr-3232	1	18	*	*	PUNCT
fsr-3232	1	19	,	,	PUNCT
fsr-3232	1	20	celia	celia	PROPN
fsr-3232	1	21	r.	r.	PROPN
fsr-3232	1	22	hayhoe	hayhoe	PROPN
fsr-3232	1	23	,	,	PUNCT
fsr-3232	1	24	ph.d.a	ph.d.a	PROPN
fsr-3232	1	25	,	,	PUNCT
fsr-3232	1	26	jean	jean	PROPN
fsr-3232	1	27	m.	m.	PROPN
fsr-3232	1	28	lown	lown	PROPN
fsr-3232	1	29	,	,	PUNCT
fsr-3232	1	30	ph.d.b	ph.d.b	NOUN
fsr-3232	1	31	adepartment	adepartment	NOUN
fsr-3232	1	32	of	of	ADP
fsr-3232	1	33	apparel	apparel	NOUN
fsr-3232	1	34	,	,	PUNCT
fsr-3232	1	35	housing	housing	NOUN
fsr-3232	1	36	,	,	PUNCT
fsr-3232	1	37	and	and	CCONJ
fsr-3232	1	38	resource	resource	NOUN
fsr-3232	1	39	management	management	NOUN
fsr-3232	1	40	,	,	PUNCT
fsr-3232	1	41	virginia	virginia	PROPN
fsr-3232	1	42	tech	tech	PROPN
fsr-3232	1	43	,	,	PUNCT
fsr-3232	1	44	240	240	NUM
fsr-3232	1	45	wallace	wallace	PROPN
fsr-3232	1	46	hall	hall	NOUN
fsr-3232	1	47	,	,	PUNCT
fsr-3232	1	48	295	295	NUM
fsr-3232	1	49	w.	w.	NOUN
fsr-3232	1	50	campus	campus	NOUN
fsr-3232	1	51	drive	drive	NOUN
fsr-3232	1	52	,	,	PUNCT
fsr-3232	1	53	blacksburg	blacksburg	PROPN
fsr-3232	1	54	,	,	PUNCT
fsr-3232	1	55	va	va	PROPN
fsr-3232	1	56	24061	24061	NUM
fsr-3232	1	57	,	,	PUNCT
fsr-3232	1	58	usa	usa	PROPN
fsr-3232	1	59	bfamily	bfamily	PROPN
fsr-3232	1	60	,	,	PUNCT
fsr-3232	1	61	consumer	consumer	NOUN
fsr-3232	1	62	,	,	PUNCT
fsr-3232	1	63	and	and	CCONJ
fsr-3232	1	64	human	human	PROPN
fsr-3232	1	65	development	development	PROPN
fsr-3232	1	66	department	department	PROPN
fsr-3232	1	67	,	,	PUNCT
fsr-3232	1	68	utah	utah	PROPN
fsr-3232	1	69	state	state	PROPN
fsr-3232	1	70	university	university	PROPN
fsr-3232	1	71	,	,	PUNCT
fsr-3232	1	72	2905	2905	NUM
fsr-3232	1	73	old	old	ADJ
fsr-3232	1	74	main	main	ADJ
fsr-3232	1	75	hill	hill	NOUN
fsr-3232	1	76	,	,	PUNCT
fsr-3232	1	77	logan	logan	PROPN
fsr-3232	1	78	,	,	PUNCT
fsr-3232	1	79	ut	ut	PROPN
fsr-3232	1	80	84322	84322	NUM
fsr-3232	1	81	,	,	PUNCT
fsr-3232	1	82	usa	usa	PROPN
fsr-3232	1	83	abstract	abstract	NOUN
fsr-3232	1	84	in	in	ADP
fsr-3232	1	85	this	this	DET
fsr-3232	1	86	study	study	NOUN
fsr-3232	1	87	we	we	PRON
fsr-3232	1	88	explore	explore	VERB
fsr-3232	1	89	gender	gender	NOUN
fsr-3232	1	90	differences	difference	NOUN
fsr-3232	1	91	in	in	ADP
fsr-3232	1	92	saving	save	VERB
fsr-3232	1	93	behaviors	behavior	NOUN
fsr-3232	1	94	among	among	ADP
fsr-3232	1	95	lowto	lowto	NOUN
fsr-3232	1	96	moderate	moderate	ADJ
fsr-3232	1	97	-	-	PUNCT
fsr-3232	1	98	income	income	NOUN
fsr-3232	1	99	households	household	NOUN
fsr-3232	1	100	using	use	VERB
fsr-3232	1	101	data	datum	NOUN
fsr-3232	1	102	collected	collect	VERB
fsr-3232	1	103	online	online	ADV
fsr-3232	1	104	from	from	ADP
fsr-3232	1	105	a	a	DET
fsr-3232	1	106	national	national	ADJ
fsr-3232	1	107	sample	sample	NOUN
fsr-3232	1	108	of	of	ADP
fsr-3232	1	109	lowto	lowto	NOUN
fsr-3232	1	110	moderate	moderate	ADJ
fsr-3232	1	111	-	-	PUNCT
fsr-3232	1	112	income	income	NOUN
fsr-3232	1	113	households	household	NOUN
fsr-3232	1	114	(	(	PUNCT
fsr-3232	1	115	nc1172	nc1172	NOUN
fsr-3232	1	116	)	)	PUNCT
fsr-3232	1	117	and	and	CCONJ
fsr-3232	1	118	data	datum	NOUN
fsr-3232	1	119	on	on	ADP
fsr-3232	1	120	similar	similar	ADJ
fsr-3232	1	121	income	income	NOUN
fsr-3232	1	122	single	single	ADJ
fsr-3232	1	123	households	household	NOUN
fsr-3232	1	124	from	from	ADP
fsr-3232	1	125	the	the	DET
fsr-3232	1	126	2010	2010	NUM
fsr-3232	1	127	survey	survey	NOUN
fsr-3232	1	128	of	of	ADP
fsr-3232	1	129	consumer	consumer	NOUN
fsr-3232	1	130	finances	finance	NOUN
fsr-3232	1	131	(	(	PUNCT
fsr-3232	1	132	scf	scf	PROPN
fsr-3232	1	133	)	)	PUNCT
fsr-3232	1	134	.	.	PUNCT
fsr-3232	2	1	results	result	NOUN
fsr-3232	2	2	show	show	VERB
fsr-3232	2	3	that	that	SCONJ
fsr-3232	2	4	saving	saving	NOUN
fsr-3232	2	5	behaviors	behavior	NOUN
fsr-3232	2	6	differ	differ	VERB
fsr-3232	2	7	by	by	ADP
fsr-3232	2	8	gender	gender	NOUN
fsr-3232	2	9	.	.	PUNCT
fsr-3232	3	1	with	with	ADP
fsr-3232	3	2	the	the	DET
fsr-3232	3	3	nc1172	nc1172	PROPN
fsr-3232	3	4	sample	sample	NOUN
fsr-3232	3	5	,	,	PUNCT
fsr-3232	3	6	we	we	PRON
fsr-3232	3	7	find	find	VERB
fsr-3232	3	8	gender	gender	NOUN
fsr-3232	3	9	differences	difference	NOUN
fsr-3232	3	10	in	in	ADP
fsr-3232	3	11	the	the	DET
fsr-3232	3	12	effects	effect	NOUN
fsr-3232	3	13	of	of	ADP
fsr-3232	3	14	high	high	ADJ
fsr-3232	3	15	-	-	PUNCT
fsr-3232	3	16	risk	risk	NOUN
fsr-3232	3	17	tolerance	tolerance	NOUN
fsr-3232	3	18	and	and	CCONJ
fsr-3232	3	19	being	be	AUX
fsr-3232	3	20	non	non	ADJ
fsr-3232	3	21	-	-	ADJ
fsr-3232	3	22	white	white	ADJ
fsr-3232	3	23	on	on	ADP
fsr-3232	3	24	the	the	DET
fsr-3232	3	25	likelihood	likelihood	NOUN
fsr-3232	3	26	of	of	ADP
fsr-3232	3	27	being	be	AUX
fsr-3232	3	28	a	a	DET
fsr-3232	3	29	saver	saver	NOUN
fsr-3232	3	30	.	.	PUNCT
fsr-3232	4	1	in	in	ADP
fsr-3232	4	2	the	the	DET
fsr-3232	4	3	scf	scf	PROPN
fsr-3232	4	4	,	,	PUNCT
fsr-3232	4	5	the	the	DET
fsr-3232	4	6	presence	presence	NOUN
fsr-3232	4	7	of	of	ADP
fsr-3232	4	8	other	other	ADJ
fsr-3232	4	9	household	household	NOUN
fsr-3232	4	10	members	member	NOUN
fsr-3232	4	11	affects	affect	VERB
fsr-3232	4	12	savings	saving	NOUN
fsr-3232	4	13	differently	differently	ADV
fsr-3232	4	14	for	for	ADP
fsr-3232	4	15	women	woman	NOUN
fsr-3232	4	16	and	and	CCONJ
fsr-3232	4	17	men	man	NOUN
fsr-3232	4	18	.	.	PUNCT
fsr-3232	5	1	educators	educator	NOUN
fsr-3232	5	2	and	and	CCONJ
fsr-3232	5	3	counselors	counselor	NOUN
fsr-3232	5	4	can	can	AUX
fsr-3232	5	5	encourage	encourage	VERB
fsr-3232	5	6	savings	saving	NOUN
fsr-3232	5	7	among	among	ADP
fsr-3232	5	8	men	man	NOUN
fsr-3232	5	9	and	and	CCONJ
fsr-3232	5	10	women	woman	NOUN
fsr-3232	5	11	in	in	ADP
fsr-3232	5	12	lowto	lowto	PROPN
fsr-3232	5	13	moderateincome	moderateincome	NOUN
fsr-3232	5	14	households	household	NOUN
fsr-3232	5	15	as	as	ADP
fsr-3232	5	16	a	a	DET
fsr-3232	5	17	way	way	NOUN
fsr-3232	5	18	to	to	PART
fsr-3232	5	19	reduce	reduce	VERB
fsr-3232	5	20	financial	financial	ADJ
fsr-3232	5	21	risk	risk	NOUN
fsr-3232	5	22	and	and	CCONJ
fsr-3232	5	23	ensure	ensure	VERB
fsr-3232	5	24	financial	financial	ADJ
fsr-3232	5	25	security	security	NOUN
fsr-3232	5	26	.	.	PUNCT
fsr-3232	6	1	©	©	PROPN
fsr-3232	6	2	2015	2015	NUM
fsr-3232	6	3	academy	academy	NOUN
fsr-3232	6	4	of	of	ADP
fsr-3232	6	5	financial	financial	ADJ
fsr-3232	6	6	services	service	NOUN
fsr-3232	6	7	.	.	PUNCT
fsr-3232	7	1	all	all	DET
fsr-3232	7	2	rights	right	NOUN
fsr-3232	7	3	reserved	reserve	VERB
fsr-3232	7	4	.	.	PUNCT
fsr-3232	8	1	jel	jel	PROPN
fsr-3232	8	2	classification	classification	NOUN
fsr-3232	8	3	:	:	PUNCT
fsr-3232	8	4	d12	d12	PROPN
fsr-3232	8	5	;	;	PUNCT
fsr-3232	8	6	j16	j16	NOUN
fsr-3232	8	7	keywords	keyword	NOUN
fsr-3232	8	8	:	:	PUNCT
fsr-3232	8	9	savings	saving	NOUN
fsr-3232	8	10	behavior	behavior	NOUN
fsr-3232	8	11	;	;	PUNCT
fsr-3232	8	12	gender	gender	NOUN
fsr-3232	8	13	;	;	PUNCT
fsr-3232	8	14	low	low	ADJ
fsr-3232	8	15	to	to	AUX
fsr-3232	8	16	moderate	moderate	ADJ
fsr-3232	8	17	income	income	NOUN
fsr-3232	8	18	1	1	NUM
fsr-3232	8	19	.	.	PUNCT
fsr-3232	9	1	introduction	introduction	NOUN
fsr-3232	9	2	research	research	NOUN
fsr-3232	9	3	shows	show	VERB
fsr-3232	9	4	that	that	SCONJ
fsr-3232	9	5	the	the	DET
fsr-3232	9	6	financial	financial	ADJ
fsr-3232	9	7	behaviors	behavior	NOUN
fsr-3232	9	8	of	of	ADP
fsr-3232	9	9	men	man	NOUN
fsr-3232	9	10	and	and	CCONJ
fsr-3232	9	11	women	woman	NOUN
fsr-3232	9	12	differ	differ	VERB
fsr-3232	9	13	significantly	significantly	ADV
fsr-3232	9	14	.	.	PUNCT
fsr-3232	10	1	on	on	ADP
fsr-3232	10	2	average	average	ADJ
fsr-3232	10	3	,	,	PUNCT
fsr-3232	10	4	women	woman	NOUN
fsr-3232	10	5	earn	earn	VERB
fsr-3232	10	6	less	less	ADJ
fsr-3232	10	7	and	and	CCONJ
fsr-3232	10	8	hold	hold	VERB
fsr-3232	10	9	lower	low	ADJ
fsr-3232	10	10	levels	level	NOUN
fsr-3232	10	11	of	of	ADP
fsr-3232	10	12	wealth	wealth	NOUN
fsr-3232	10	13	than	than	ADP
fsr-3232	10	14	men	man	NOUN
fsr-3232	10	15	.	.	PUNCT
fsr-3232	11	1	researchers	researcher	NOUN
fsr-3232	11	2	and	and	CCONJ
fsr-3232	11	3	financial	financial	ADJ
fsr-3232	11	4	practitioners	practitioner	NOUN
fsr-3232	11	5	report	report	VERB
fsr-3232	11	6	that	that	SCONJ
fsr-3232	11	7	women	woman	NOUN
fsr-3232	11	8	are	be	AUX
fsr-3232	11	9	,	,	PUNCT
fsr-3232	11	10	in	in	ADP
fsr-3232	11	11	general	general	ADJ
fsr-3232	11	12	,	,	PUNCT
fsr-3232	11	13	more	more	ADJ
fsr-3232	11	14	risk	risk	NOUN
fsr-3232	11	15	averse	averse	ADJ
fsr-3232	11	16	than	than	ADP
fsr-3232	11	17	men	man	NOUN
fsr-3232	11	18	and	and	CCONJ
fsr-3232	11	19	are	be	AUX
fsr-3232	11	20	more	more	ADV
fsr-3232	11	21	conservative	conservative	ADJ
fsr-3232	11	22	in	in	ADP
fsr-3232	11	23	their	their	PRON
fsr-3232	11	24	investment	investment	NOUN
fsr-3232	11	25	choices	choice	NOUN
fsr-3232	11	26	(	(	PUNCT
fsr-3232	11	27	bajtelsmit	bajtelsmit	NOUN
fsr-3232	11	28	,	,	PUNCT
fsr-3232	11	29	bernasek	bernasek	PROPN
fsr-3232	11	30	,	,	PUNCT
fsr-3232	11	31	&	&	CCONJ
fsr-3232	11	32	jianakoplos	jianakoplos	PROPN
fsr-3232	11	33	,	,	PUNCT
fsr-3232	11	34	1999	1999	NUM
fsr-3232	11	35	;	;	PUNCT
fsr-3232	11	36	*	*	PUNCT
fsr-3232	11	37	corresponding	correspond	VERB
fsr-3232	11	38	author	author	NOUN
fsr-3232	11	39	.	.	PUNCT
fsr-3232	12	1	tel	tel	PROPN
fsr-3232	12	2	.	.	PUNCT
fsr-3232	12	3	:	:	PUNCT
fsr-3232	13	1	�	�	PROPN
fsr-3232	13	2	1	1	NUM
fsr-3232	13	3	-	-	SYM
fsr-3232	13	4	540	540	NUM
fsr-3232	13	5	-	-	PUNCT
fsr-3232	13	6	231	231	NUM
fsr-3232	13	7	-	-	SYM
fsr-3232	13	8	7218	7218	NUM
fsr-3232	13	9	;	;	PUNCT
fsr-3232	13	10	fax	fax	NOUN
fsr-3232	13	11	:	:	PUNCT
fsr-3232	13	12	�	�	PROPN
fsr-3232	13	13	1	1	NUM
fsr-3232	13	14	-	-	SYM
fsr-3232	13	15	540	540	NUM
fsr-3232	13	16	-	-	PUNCT
fsr-3232	13	17	231	231	NUM
fsr-3232	13	18	-	-	SYM
fsr-3232	13	19	1697	1697	NUM
fsr-3232	13	20	.	.	PUNCT
fsr-3232	14	1	e	e	X
fsr-3232	14	2	-	-	NOUN
fsr-3232	14	3	mail	mail	NOUN
fsr-3232	14	4	address	address	NOUN
fsr-3232	14	5	:	:	PUNCT
fsr-3232	14	6	pafisher@vt.edu	pafisher@vt.edu	PROPN
fsr-3232	14	7	(	(	PUNCT
fsr-3232	14	8	p.j	p.j	PROPN
fsr-3232	14	9	.	.	PROPN
fsr-3232	14	10	fisher	fisher	PROPN
fsr-3232	14	11	)	)	PUNCT
fsr-3232	14	12	financial	financial	ADJ
fsr-3232	14	13	services	service	NOUN
fsr-3232	14	14	review	review	VERB
fsr-3232	14	15	24	24	NUM
fsr-3232	14	16	(	(	PUNCT
fsr-3232	14	17	2015	2015	NUM
fsr-3232	14	18	)	)	PUNCT
fsr-3232	14	19	1–13	1–13	NOUN
fsr-3232	14	20	1057	1057	NUM
fsr-3232	14	21	-	-	SYM
fsr-3232	14	22	0810/15/$	0810/15/$	NUM
fsr-3232	14	23	–	–	PUNCT
fsr-3232	14	24	see	see	VERB
fsr-3232	14	25	front	front	ADJ
fsr-3232	14	26	matter	matter	NOUN
fsr-3232	14	27	©	©	PROPN
fsr-3232	14	28	2015	2015	NUM
fsr-3232	14	29	academy	academy	NOUN
fsr-3232	14	30	of	of	ADP
fsr-3232	14	31	financial	financial	ADJ
fsr-3232	14	32	services	service	NOUN
fsr-3232	14	33	.	.	PUNCT
fsr-3232	15	1	all	all	DET
fsr-3232	15	2	rights	right	NOUN
fsr-3232	15	3	reserved	reserve	VERB
fsr-3232	15	4	.	.	PUNCT
fsr-3232	16	1	bajtelsmit	bajtelsmit	NOUN
fsr-3232	16	2	&	&	CCONJ
fsr-3232	16	3	vanderhei	vanderhei	PROPN
fsr-3232	16	4	,	,	PUNCT
fsr-3232	16	5	1997	1997	NUM
fsr-3232	16	6	;	;	PUNCT
fsr-3232	16	7	embrey	embrey	PROPN
fsr-3232	16	8	&	&	CCONJ
fsr-3232	16	9	fox	fox	PROPN
fsr-3232	16	10	,	,	PUNCT
fsr-3232	16	11	1997	1997	NUM
fsr-3232	16	12	;	;	PUNCT
fsr-3232	16	13	faff	faff	PROPN
fsr-3232	16	14	,	,	PUNCT
fsr-3232	16	15	mulino	mulino	PROPN
fsr-3232	16	16	,	,	PUNCT
fsr-3232	16	17	&	&	CCONJ
fsr-3232	16	18	chai	chai	NOUN
fsr-3232	16	19	,	,	PUNCT
fsr-3232	16	20	2008	2008	NUM
fsr-3232	16	21	;	;	PUNCT
fsr-3232	16	22	grable	grable	NOUN
fsr-3232	16	23	,	,	PUNCT
fsr-3232	16	24	2000	2000	NUM
fsr-3232	16	25	;	;	PUNCT
fsr-3232	16	26	hallahan	hallahan	PROPN
fsr-3232	16	27	,	,	PUNCT
fsr-3232	16	28	faff	faff	PROPN
fsr-3232	16	29	,	,	PUNCT
fsr-3232	16	30	&	&	CCONJ
fsr-3232	16	31	mckenzie	mckenzie	PROPN
fsr-3232	16	32	,	,	PUNCT
fsr-3232	16	33	2004	2004	NUM
fsr-3232	16	34	;	;	PUNCT
fsr-3232	16	35	hinz	hinz	PROPN
fsr-3232	16	36	,	,	PUNCT
fsr-3232	16	37	mccarthy	mccarthy	PROPN
fsr-3232	16	38	,	,	PUNCT
fsr-3232	16	39	&	&	CCONJ
fsr-3232	16	40	turner	turner	PROPN
fsr-3232	16	41	,	,	PUNCT
fsr-3232	16	42	1997	1997	NUM
fsr-3232	16	43	;	;	PUNCT
fsr-3232	16	44	neelakantan	neelakantan	PROPN
fsr-3232	16	45	,	,	PUNCT
fsr-3232	16	46	2010	2010	NUM
fsr-3232	16	47	;	;	PUNCT
fsr-3232	16	48	yuh	yuh	PROPN
fsr-3232	16	49	&	&	CCONJ
fsr-3232	16	50	hanna	hanna	PROPN
fsr-3232	16	51	,	,	PUNCT
fsr-3232	16	52	1997	1997	NUM
fsr-3232	16	53	)	)	PUNCT
fsr-3232	16	54	,	,	PUNCT
fsr-3232	16	55	participate	participate	VERB
fsr-3232	16	56	in	in	ADP
fsr-3232	16	57	retirement	retirement	NOUN
fsr-3232	16	58	plans	plan	NOUN
fsr-3232	16	59	at	at	ADP
fsr-3232	16	60	lower	low	ADJ
fsr-3232	16	61	rates	rate	NOUN
fsr-3232	16	62	(	(	PUNCT
fsr-3232	16	63	sung	sung	PROPN
fsr-3232	16	64	,	,	PUNCT
fsr-3232	16	65	1997	1997	NUM
fsr-3232	16	66	)	)	PUNCT
fsr-3232	16	67	,	,	PUNCT
fsr-3232	16	68	and	and	CCONJ
fsr-3232	16	69	are	be	AUX
fsr-3232	16	70	more	more	ADV
fsr-3232	16	71	likely	likely	ADJ
fsr-3232	16	72	to	to	PART
fsr-3232	16	73	live	live	VERB
fsr-3232	16	74	in	in	ADP
fsr-3232	16	75	poverty	poverty	NOUN
fsr-3232	16	76	during	during	ADP
fsr-3232	16	77	retirement	retirement	NOUN
fsr-3232	16	78	(	(	PUNCT
fsr-3232	16	79	pearce	pearce	PROPN
fsr-3232	16	80	,	,	PUNCT
fsr-3232	16	81	1989	1989	NUM
fsr-3232	16	82	)	)	PUNCT
fsr-3232	16	83	.	.	PUNCT
fsr-3232	17	1	however	however	ADV
fsr-3232	17	2	,	,	PUNCT
fsr-3232	17	3	embrey	embrey	PROPN
fsr-3232	17	4	and	and	CCONJ
fsr-3232	17	5	fox	fox	PROPN
fsr-3232	17	6	(	(	PUNCT
fsr-3232	17	7	1997	1997	NUM
fsr-3232	17	8	)	)	PUNCT
fsr-3232	17	9	conclude	conclude	VERB
fsr-3232	17	10	that	that	SCONJ
fsr-3232	17	11	although	although	SCONJ
fsr-3232	17	12	gender	gender	NOUN
fsr-3232	17	13	affects	affect	VERB
fsr-3232	17	14	some	some	DET
fsr-3232	17	15	investment	investment	NOUN
fsr-3232	17	16	decisions	decision	NOUN
fsr-3232	17	17	of	of	ADP
fsr-3232	17	18	single	single	ADJ
fsr-3232	17	19	women	woman	NOUN
fsr-3232	17	20	and	and	CCONJ
fsr-3232	17	21	men	man	NOUN
fsr-3232	17	22	,	,	PUNCT
fsr-3232	17	23	gender	gender	NOUN
fsr-3232	17	24	is	be	AUX
fsr-3232	17	25	not	not	PART
fsr-3232	17	26	the	the	DET
fsr-3232	17	27	defining	define	VERB
fsr-3232	17	28	determinant	determinant	ADJ
fsr-3232	17	29	of	of	ADP
fsr-3232	17	30	investment	investment	NOUN
fsr-3232	17	31	choice	choice	NOUN
fsr-3232	17	32	.	.	PUNCT
fsr-3232	18	1	less	less	ADJ
fsr-3232	18	2	than	than	ADP
fsr-3232	18	3	two	two	NUM
fsr-3232	18	4	women	woman	NOUN
fsr-3232	18	5	in	in	ADP
fsr-3232	18	6	10	10	NUM
fsr-3232	18	7	feel	feel	VERB
fsr-3232	18	8	“	"	PUNCT
fsr-3232	18	9	very	very	ADV
fsr-3232	18	10	prepared	prepared	ADJ
fsr-3232	18	11	”	"	PUNCT
fsr-3232	18	12	to	to	PART
fsr-3232	18	13	make	make	VERB
fsr-3232	18	14	wise	wise	ADJ
fsr-3232	18	15	financial	financial	ADJ
fsr-3232	18	16	decisions	decision	NOUN
fsr-3232	18	17	and	and	CCONJ
fsr-3232	18	18	only	only	ADV
fsr-3232	18	19	one	one	NUM
fsr-3232	18	20	-	-	PUNCT
fsr-3232	18	21	third	third	NOUN
fsr-3232	18	22	have	have	VERB
fsr-3232	18	23	a	a	DET
fsr-3232	18	24	detailed	detailed	ADJ
fsr-3232	18	25	financial	financial	ADJ
fsr-3232	18	26	plan	plan	NOUN
fsr-3232	18	27	(	(	PUNCT
fsr-3232	18	28	prudential	prudential	PROPN
fsr-3232	18	29	research	research	NOUN
fsr-3232	18	30	,	,	PUNCT
fsr-3232	18	31	2010	2010	NUM
fsr-3232	18	32	)	)	PUNCT
fsr-3232	18	33	.	.	PUNCT
fsr-3232	19	1	in	in	ADP
fsr-3232	19	2	addition	addition	NOUN
fsr-3232	19	3	,	,	PUNCT
fsr-3232	19	4	more	more	ADJ
fsr-3232	19	5	than	than	ADP
fsr-3232	19	6	92	92	NUM
fsr-3232	19	7	%	%	NOUN
fsr-3232	19	8	of	of	ADP
fsr-3232	19	9	women	woman	NOUN
fsr-3232	19	10	retirees	retiree	NOUN
fsr-3232	19	11	have	have	AUX
fsr-3232	19	12	not	not	PART
fsr-3232	19	13	adequately	adequately	ADV
fsr-3232	19	14	prepared	prepare	VERB
fsr-3232	19	15	for	for	ADP
fsr-3232	19	16	retirement	retirement	NOUN
fsr-3232	19	17	(	(	PUNCT
fsr-3232	19	18	society	society	NOUN
fsr-3232	19	19	of	of	ADP
fsr-3232	19	20	actuaries	actuary	NOUN
fsr-3232	19	21	,	,	PUNCT
fsr-3232	19	22	2010	2010	NUM
fsr-3232	19	23	)	)	PUNCT
fsr-3232	19	24	.	.	PUNCT
fsr-3232	20	1	the	the	DET
fsr-3232	20	2	issue	issue	NOUN
fsr-3232	20	3	of	of	ADP
fsr-3232	20	4	women	woman	NOUN
fsr-3232	20	5	’s	’s	PART
fsr-3232	20	6	financial	financial	ADJ
fsr-3232	20	7	well	well	ADV
fsr-3232	20	8	-	-	PUNCT
fsr-3232	20	9	being	being	NOUN
fsr-3232	20	10	is	be	AUX
fsr-3232	20	11	important	important	ADJ
fsr-3232	20	12	for	for	ADP
fsr-3232	20	13	women	woman	NOUN
fsr-3232	20	14	themselves	themselves	PRON
fsr-3232	20	15	,	,	PUNCT
fsr-3232	20	16	as	as	ADV
fsr-3232	20	17	well	well	ADV
fsr-3232	20	18	as	as	ADP
fsr-3232	20	19	financial	financial	ADJ
fsr-3232	20	20	educators	educator	NOUN
fsr-3232	20	21	,	,	PUNCT
fsr-3232	20	22	financial	financial	ADJ
fsr-3232	20	23	professionals	professional	NOUN
fsr-3232	20	24	,	,	PUNCT
fsr-3232	20	25	and	and	CCONJ
fsr-3232	20	26	policymakers	policymaker	NOUN
fsr-3232	20	27	.	.	PUNCT
fsr-3232	21	1	although	although	SCONJ
fsr-3232	21	2	much	much	ADJ
fsr-3232	21	3	research	research	NOUN
fsr-3232	21	4	has	have	AUX
fsr-3232	21	5	been	be	AUX
fsr-3232	21	6	conducted	conduct	VERB
fsr-3232	21	7	on	on	ADP
fsr-3232	21	8	gender	gender	NOUN
fsr-3232	21	9	differences	difference	NOUN
fsr-3232	21	10	in	in	ADP
fsr-3232	21	11	income	income	NOUN
fsr-3232	21	12	,	,	PUNCT
fsr-3232	21	13	risk	risk	NOUN
fsr-3232	21	14	aversion	aversion	NOUN
fsr-3232	21	15	,	,	PUNCT
fsr-3232	21	16	investment	investment	NOUN
fsr-3232	21	17	behaviors	behavior	NOUN
fsr-3232	21	18	,	,	PUNCT
fsr-3232	21	19	and	and	CCONJ
fsr-3232	21	20	level	level	NOUN
fsr-3232	21	21	of	of	ADP
fsr-3232	21	22	wealth	wealth	NOUN
fsr-3232	21	23	,	,	PUNCT
fsr-3232	21	24	relatively	relatively	ADV
fsr-3232	21	25	few	few	ADJ
fsr-3232	21	26	studies	study	NOUN
fsr-3232	21	27	focus	focus	VERB
fsr-3232	21	28	on	on	ADP
fsr-3232	21	29	a	a	DET
fsr-3232	21	30	gender	gender	NOUN
fsr-3232	21	31	difference	difference	NOUN
fsr-3232	21	32	in	in	ADP
fsr-3232	21	33	general	general	ADJ
fsr-3232	21	34	saving	saving	NOUN
fsr-3232	21	35	behaviors	behavior	NOUN
fsr-3232	21	36	(	(	PUNCT
fsr-3232	21	37	sunden	sunden	ADJ
fsr-3232	21	38	&	&	CCONJ
fsr-3232	21	39	surrette	surrette	NOUN
fsr-3232	21	40	,	,	PUNCT
fsr-3232	21	41	1998	1998	NUM
fsr-3232	21	42	)	)	PUNCT
fsr-3232	21	43	.	.	PUNCT
fsr-3232	22	1	fisher	fisher	PROPN
fsr-3232	22	2	(	(	PUNCT
fsr-3232	22	3	2010b	2010b	NUM
fsr-3232	22	4	)	)	PUNCT
fsr-3232	22	5	investigated	investigate	VERB
fsr-3232	22	6	gender	gender	NOUN
fsr-3232	22	7	differences	difference	NOUN
fsr-3232	22	8	in	in	ADP
fsr-3232	22	9	personal	personal	ADJ
fsr-3232	22	10	saving	saving	NOUN
fsr-3232	22	11	behaviors	behavior	NOUN
fsr-3232	22	12	using	use	VERB
fsr-3232	22	13	the	the	DET
fsr-3232	22	14	2007	2007	NUM
fsr-3232	22	15	survey	survey	NOUN
fsr-3232	22	16	of	of	ADP
fsr-3232	22	17	consumer	consumer	NOUN
fsr-3232	22	18	finances	finance	NOUN
fsr-3232	22	19	(	(	PUNCT
fsr-3232	22	20	scf	scf	PROPN
fsr-3232	22	21	)	)	PUNCT
fsr-3232	22	22	,	,	PUNCT
fsr-3232	22	23	a	a	DET
fsr-3232	22	24	large	large	ADJ
fsr-3232	22	25	national	national	ADJ
fsr-3232	22	26	data	datum	NOUN
fsr-3232	22	27	set	set	VERB
fsr-3232	22	28	that	that	SCONJ
fsr-3232	22	29	oversamples	oversample	NOUN
fsr-3232	22	30	wealthy	wealthy	ADJ
fsr-3232	22	31	households	household	NOUN
fsr-3232	22	32	.	.	PUNCT
fsr-3232	23	1	the	the	DET
fsr-3232	23	2	study	study	NOUN
fsr-3232	23	3	explored	explore	VERB
fsr-3232	23	4	gender	gender	NOUN
fsr-3232	23	5	differences	difference	NOUN
fsr-3232	23	6	in	in	ADP
fsr-3232	23	7	saving	save	VERB
fsr-3232	23	8	behaviors	behavior	NOUN
fsr-3232	23	9	to	to	PART
fsr-3232	23	10	better	well	ADV
fsr-3232	23	11	understand	understand	VERB
fsr-3232	23	12	whether	whether	SCONJ
fsr-3232	23	13	simply	simply	ADV
fsr-3232	23	14	being	be	AUX
fsr-3232	23	15	male	male	ADJ
fsr-3232	23	16	or	or	CCONJ
fsr-3232	23	17	female	female	ADJ
fsr-3232	23	18	leads	lead	NOUN
fsr-3232	23	19	to	to	ADP
fsr-3232	23	20	differences	difference	NOUN
fsr-3232	23	21	in	in	ADP
fsr-3232	23	22	saving	save	VERB
fsr-3232	23	23	behavior	behavior	NOUN
fsr-3232	23	24	or	or	CCONJ
fsr-3232	23	25	whether	whether	SCONJ
fsr-3232	23	26	factors	factor	NOUN
fsr-3232	23	27	related	relate	VERB
fsr-3232	23	28	to	to	ADP
fsr-3232	23	29	saving	save	VERB
fsr-3232	23	30	differ	differ	VERB
fsr-3232	23	31	for	for	ADP
fsr-3232	23	32	men	man	NOUN
fsr-3232	23	33	and	and	CCONJ
fsr-3232	23	34	women	woman	NOUN
fsr-3232	23	35	.	.	PUNCT
fsr-3232	24	1	in	in	ADP
fsr-3232	24	2	the	the	DET
fsr-3232	24	3	current	current	ADJ
fsr-3232	24	4	study	study	NOUN
fsr-3232	24	5	,	,	PUNCT
fsr-3232	24	6	we	we	PRON
fsr-3232	24	7	examine	examine	VERB
fsr-3232	24	8	gender	gender	NOUN
fsr-3232	24	9	differences	difference	NOUN
fsr-3232	24	10	in	in	ADP
fsr-3232	24	11	saving	save	VERB
fsr-3232	24	12	among	among	ADP
fsr-3232	24	13	lowto	lowto	PROPN
fsr-3232	24	14	moderate	moderate	ADJ
fsr-3232	24	15	-	-	PUNCT
fsr-3232	24	16	income	income	NOUN
fsr-3232	24	17	households	household	NOUN
fsr-3232	24	18	by	by	ADP
fsr-3232	24	19	examining	examine	VERB
fsr-3232	24	20	results	result	NOUN
fsr-3232	24	21	from	from	ADP
fsr-3232	24	22	the	the	DET
fsr-3232	24	23	2010	2010	NUM
fsr-3232	24	24	survey	survey	NOUN
fsr-3232	24	25	of	of	ADP
fsr-3232	24	26	consumer	consumer	NOUN
fsr-3232	24	27	finances	finance	NOUN
fsr-3232	24	28	and	and	CCONJ
fsr-3232	24	29	the	the	DET
fsr-3232	24	30	nc1172	nc1172	PROPN
fsr-3232	24	31	data	datum	NOUN
fsr-3232	24	32	set	set	VERB
fsr-3232	24	33	.	.	PUNCT
fsr-3232	25	1	we	we	PRON
fsr-3232	25	2	include	include	VERB
fsr-3232	25	3	both	both	DET
fsr-3232	25	4	sets	set	NOUN
fsr-3232	25	5	of	of	ADP
fsr-3232	25	6	data	datum	NOUN
fsr-3232	25	7	because	because	SCONJ
fsr-3232	25	8	the	the	DET
fsr-3232	25	9	nc1172	nc1172	NOUN
fsr-3232	25	10	data	datum	NOUN
fsr-3232	25	11	has	have	VERB
fsr-3232	25	12	the	the	DET
fsr-3232	25	13	advantage	advantage	NOUN
fsr-3232	25	14	of	of	ADP
fsr-3232	25	15	being	be	AUX
fsr-3232	25	16	focused	focus	VERB
fsr-3232	25	17	specifically	specifically	ADV
fsr-3232	25	18	on	on	ADP
fsr-3232	25	19	lowto	lowto	NOUN
fsr-3232	25	20	moderate	moderate	ADJ
fsr-3232	25	21	-	-	PUNCT
fsr-3232	25	22	income	income	NOUN
fsr-3232	25	23	respondents	respondent	NOUN
fsr-3232	25	24	(	(	PUNCT
fsr-3232	25	25	hayhoe	hayhoe	NOUN
fsr-3232	25	26	&	&	CCONJ
fsr-3232	25	27	gutter	gutter	NOUN
fsr-3232	25	28	,	,	PUNCT
fsr-3232	25	29	2012	2012	NUM
fsr-3232	25	30	)	)	PUNCT
fsr-3232	25	31	,	,	PUNCT
fsr-3232	25	32	whereas	whereas	SCONJ
fsr-3232	25	33	the	the	DET
fsr-3232	25	34	scf	scf	PROPN
fsr-3232	25	35	is	be	AUX
fsr-3232	25	36	known	know	VERB
fsr-3232	25	37	as	as	ADP
fsr-3232	25	38	the	the	DET
fsr-3232	25	39	best	good	ADJ
fsr-3232	25	40	source	source	NOUN
fsr-3232	25	41	of	of	ADP
fsr-3232	25	42	financial	financial	ADJ
fsr-3232	25	43	data	datum	NOUN
fsr-3232	25	44	at	at	ADP
fsr-3232	25	45	the	the	DET
fsr-3232	25	46	household	household	NOUN
fsr-3232	25	47	level	level	NOUN
fsr-3232	25	48	,	,	PUNCT
fsr-3232	25	49	but	but	CCONJ
fsr-3232	25	50	oversamples	oversample	NOUN
fsr-3232	25	51	wealthy	wealthy	ADJ
fsr-3232	25	52	households	household	NOUN
fsr-3232	25	53	.	.	PUNCT
fsr-3232	26	1	in	in	ADP
fsr-3232	26	2	addition	addition	NOUN
fsr-3232	26	3	,	,	PUNCT
fsr-3232	26	4	the	the	DET
fsr-3232	26	5	nc1172	nc1172	NOUN
fsr-3232	26	6	is	be	AUX
fsr-3232	26	7	a	a	DET
fsr-3232	26	8	newer	new	ADJ
fsr-3232	26	9	,	,	PUNCT
fsr-3232	26	10	less	less	ADV
fsr-3232	26	11	utilized	utilize	VERB
fsr-3232	26	12	data	datum	NOUN
fsr-3232	26	13	set	set	VERB
fsr-3232	26	14	and	and	CCONJ
fsr-3232	26	15	we	we	PRON
fsr-3232	26	16	hope	hope	VERB
fsr-3232	26	17	to	to	PART
fsr-3232	26	18	gain	gain	VERB
fsr-3232	26	19	insight	insight	NOUN
fsr-3232	26	20	on	on	ADP
fsr-3232	26	21	how	how	SCONJ
fsr-3232	26	22	it	it	PRON
fsr-3232	26	23	compares	compare	VERB
fsr-3232	26	24	with	with	ADP
fsr-3232	26	25	a	a	DET
fsr-3232	26	26	more	more	ADV
fsr-3232	26	27	established	establish	VERB
fsr-3232	26	28	data	data	NOUN
fsr-3232	26	29	set	set	VERB
fsr-3232	26	30	.	.	PUNCT
fsr-3232	27	1	according	accord	VERB
fsr-3232	27	2	to	to	ADP
fsr-3232	27	3	the	the	DET
fsr-3232	27	4	annual	annual	ADJ
fsr-3232	27	5	america	america	PROPN
fsr-3232	27	6	saves	save	VERB
fsr-3232	27	7	/	/	SYM
fsr-3232	27	8	american	american	ADJ
fsr-3232	27	9	savings	saving	NOUN
fsr-3232	27	10	education	education	PROPN
fsr-3232	27	11	council	council	NOUN
fsr-3232	27	12	survey	survey	NOUN
fsr-3232	27	13	(	(	PUNCT
fsr-3232	27	14	america	america	PROPN
fsr-3232	27	15	saves	save	VERB
fsr-3232	27	16	,	,	PUNCT
fsr-3232	27	17	2010	2010	NUM
fsr-3232	27	18	)	)	PUNCT
fsr-3232	27	19	,	,	PUNCT
fsr-3232	27	20	households	household	NOUN
fsr-3232	27	21	with	with	ADP
fsr-3232	27	22	incomes	income	NOUN
fsr-3232	27	23	above	above	ADP
fsr-3232	27	24	and	and	CCONJ
fsr-3232	27	25	below	below	ADP
fsr-3232	27	26	$	$	SYM
fsr-3232	27	27	50,000	50,000	NUM
fsr-3232	27	28	(	(	PUNCT
fsr-3232	27	29	approximately	approximately	ADV
fsr-3232	27	30	the	the	DET
fsr-3232	27	31	median	median	ADJ
fsr-3232	27	32	u.s	u.s	PROPN
fsr-3232	27	33	.	.	PROPN
fsr-3232	27	34	income	income	PROPN
fsr-3232	27	35	)	)	PUNCT
fsr-3232	27	36	differ	differ	VERB
fsr-3232	27	37	in	in	ADP
fsr-3232	27	38	their	their	PRON
fsr-3232	27	39	financial	financial	ADJ
fsr-3232	27	40	behaviors	behavior	NOUN
fsr-3232	27	41	and	and	CCONJ
fsr-3232	27	42	preparedness	preparedness	NOUN
fsr-3232	27	43	.	.	PUNCT
fsr-3232	28	1	the	the	DET
fsr-3232	28	2	majority	majority	NOUN
fsr-3232	28	3	of	of	ADP
fsr-3232	28	4	households	household	NOUN
fsr-3232	28	5	with	with	ADP
fsr-3232	28	6	incomes	income	NOUN
fsr-3232	28	7	above	above	ADP
fsr-3232	28	8	$	$	SYM
fsr-3232	28	9	50,000	50,000	NUM
fsr-3232	28	10	have	have	VERB
fsr-3232	28	11	sufficient	sufficient	ADJ
fsr-3232	28	12	emergency	emergency	NOUN
fsr-3232	28	13	and	and	CCONJ
fsr-3232	28	14	retirement	retirement	NOUN
fsr-3232	28	15	savings	saving	NOUN
fsr-3232	28	16	(	(	PUNCT
fsr-3232	28	17	85	85	NUM
fsr-3232	28	18	%	%	NOUN
fsr-3232	28	19	and	and	CCONJ
fsr-3232	28	20	73	73	NUM
fsr-3232	28	21	%	%	NOUN
fsr-3232	28	22	,	,	PUNCT
fsr-3232	28	23	respectively	respectively	ADV
fsr-3232	28	24	)	)	PUNCT
fsr-3232	28	25	,	,	PUNCT
fsr-3232	28	26	whereas	whereas	SCONJ
fsr-3232	28	27	only	only	ADV
fsr-3232	28	28	52	52	NUM
fsr-3232	28	29	%	%	NOUN
fsr-3232	28	30	and	and	CCONJ
fsr-3232	28	31	36	36	NUM
fsr-3232	28	32	%	%	NOUN
fsr-3232	28	33	of	of	ADP
fsr-3232	28	34	households	household	NOUN
fsr-3232	28	35	with	with	ADP
fsr-3232	28	36	income	income	NOUN
fsr-3232	28	37	below	below	ADP
fsr-3232	28	38	$	$	SYM
fsr-3232	28	39	50,000	50,000	NUM
fsr-3232	28	40	have	have	VERB
fsr-3232	28	41	sufficient	sufficient	ADJ
fsr-3232	28	42	emergency	emergency	NOUN
fsr-3232	28	43	and	and	CCONJ
fsr-3232	28	44	retirement	retirement	NOUN
fsr-3232	28	45	savings	saving	NOUN
fsr-3232	28	46	.	.	PUNCT
fsr-3232	29	1	about	about	ADV
fsr-3232	29	2	70	70	NUM
fsr-3232	29	3	%	%	NOUN
fsr-3232	29	4	of	of	ADP
fsr-3232	29	5	households	household	NOUN
fsr-3232	29	6	with	with	ADP
fsr-3232	29	7	income	income	NOUN
fsr-3232	29	8	above	above	ADP
fsr-3232	29	9	$	$	SYM
fsr-3232	29	10	50,000	50,000	NUM
fsr-3232	29	11	save	save	NOUN
fsr-3232	29	12	for	for	ADP
fsr-3232	29	13	retirement	retirement	NOUN
fsr-3232	29	14	at	at	ADP
fsr-3232	29	15	work	work	NOUN
fsr-3232	29	16	,	,	PUNCT
fsr-3232	29	17	as	as	SCONJ
fsr-3232	29	18	compared	compare	VERB
fsr-3232	29	19	with	with	ADP
fsr-3232	29	20	only	only	ADV
fsr-3232	29	21	26	26	NUM
fsr-3232	29	22	%	%	NOUN
fsr-3232	29	23	of	of	ADP
fsr-3232	29	24	households	household	NOUN
fsr-3232	29	25	with	with	ADP
fsr-3232	29	26	income	income	NOUN
fsr-3232	29	27	below	below	ADP
fsr-3232	29	28	$	$	SYM
fsr-3232	29	29	50,000	50,000	NUM
fsr-3232	29	30	.	.	PUNCT
fsr-3232	30	1	similarly	similarly	ADV
fsr-3232	30	2	,	,	PUNCT
fsr-3232	30	3	about	about	ADV
fsr-3232	30	4	68	68	NUM
fsr-3232	30	5	%	%	NOUN
fsr-3232	30	6	of	of	ADP
fsr-3232	30	7	households	household	NOUN
fsr-3232	30	8	with	with	ADP
fsr-3232	30	9	income	income	NOUN
fsr-3232	30	10	above	above	ADP
fsr-3232	30	11	$	$	SYM
fsr-3232	30	12	50,000	50,000	NUM
fsr-3232	30	13	have	have	VERB
fsr-3232	30	14	a	a	DET
fsr-3232	30	15	savings	savings	NOUN
fsr-3232	30	16	plan	plan	NOUN
fsr-3232	30	17	with	with	ADP
fsr-3232	30	18	specific	specific	ADJ
fsr-3232	30	19	goals	goal	NOUN
fsr-3232	30	20	,	,	PUNCT
fsr-3232	30	21	as	as	SCONJ
fsr-3232	30	22	compared	compare	VERB
fsr-3232	30	23	with	with	ADP
fsr-3232	30	24	only	only	ADV
fsr-3232	30	25	38	38	NUM
fsr-3232	30	26	%	%	NOUN
fsr-3232	30	27	of	of	ADP
fsr-3232	30	28	households	household	NOUN
fsr-3232	30	29	with	with	ADP
fsr-3232	30	30	income	income	NOUN
fsr-3232	30	31	below	below	ADP
fsr-3232	30	32	$	$	SYM
fsr-3232	30	33	50,000	50,000	NUM
fsr-3232	30	34	(	(	PUNCT
fsr-3232	30	35	america	america	PROPN
fsr-3232	30	36	saves	save	VERB
fsr-3232	30	37	,	,	PUNCT
fsr-3232	30	38	2010	2010	NUM
fsr-3232	30	39	)	)	PUNCT
fsr-3232	30	40	.	.	PUNCT
fsr-3232	31	1	lerman	lerman	NOUN
fsr-3232	31	2	and	and	CCONJ
fsr-3232	31	3	steuerle	steuerle	PROPN
fsr-3232	31	4	(	(	PUNCT
fsr-3232	31	5	2012	2012	NUM
fsr-3232	31	6	)	)	PUNCT
fsr-3232	31	7	argue	argue	VERB
fsr-3232	31	8	that	that	SCONJ
fsr-3232	31	9	personal	personal	ADJ
fsr-3232	31	10	finance	finance	NOUN
fsr-3232	31	11	for	for	ADP
fsr-3232	31	12	lowand	lowand	ADJ
fsr-3232	31	13	middle	middle	ADJ
fsr-3232	31	14	-	-	PUNCT
fsr-3232	31	15	income	income	NOUN
fsr-3232	31	16	families	family	NOUN
fsr-3232	31	17	differs	differ	VERB
fsr-3232	31	18	significantly	significantly	ADV
fsr-3232	31	19	from	from	ADP
fsr-3232	31	20	that	that	PRON
fsr-3232	31	21	of	of	ADP
fsr-3232	31	22	upper	upper	ADJ
fsr-3232	31	23	-	-	PUNCT
fsr-3232	31	24	income	income	NOUN
fsr-3232	31	25	families	family	NOUN
fsr-3232	31	26	but	but	CCONJ
fsr-3232	31	27	that	that	SCONJ
fsr-3232	31	28	upper	upper	ADJ
fsr-3232	31	29	-	-	PUNCT
fsr-3232	31	30	income	income	NOUN
fsr-3232	31	31	families	family	NOUN
fsr-3232	31	32	are	be	AUX
fsr-3232	31	33	typically	typically	ADV
fsr-3232	31	34	the	the	DET
fsr-3232	31	35	focus	focus	NOUN
fsr-3232	31	36	in	in	ADP
fsr-3232	31	37	the	the	DET
fsr-3232	31	38	literature	literature	NOUN
fsr-3232	31	39	.	.	PUNCT
fsr-3232	32	1	the	the	DET
fsr-3232	32	2	assets	asset	NOUN
fsr-3232	32	3	of	of	ADP
fsr-3232	32	4	lowand	lowand	ADJ
fsr-3232	32	5	middle	middle	ADJ
fsr-3232	32	6	-	-	PUNCT
fsr-3232	32	7	income	income	NOUN
fsr-3232	32	8	families	family	NOUN
fsr-3232	32	9	are	be	AUX
fsr-3232	32	10	more	more	ADV
fsr-3232	32	11	associated	associate	VERB
fsr-3232	32	12	with	with	ADP
fsr-3232	32	13	human	human	ADJ
fsr-3232	32	14	capital	capital	NOUN
fsr-3232	32	15	,	,	PUNCT
fsr-3232	32	16	social	social	ADJ
fsr-3232	32	17	insurance	insurance	NOUN
fsr-3232	32	18	programs	program	NOUN
fsr-3232	32	19	,	,	PUNCT
fsr-3232	32	20	and	and	CCONJ
fsr-3232	32	21	homeownership	homeownership	NOUN
fsr-3232	32	22	as	as	SCONJ
fsr-3232	32	23	compared	compare	VERB
fsr-3232	32	24	with	with	ADP
fsr-3232	32	25	upper	upper	ADJ
fsr-3232	32	26	-	-	PUNCT
fsr-3232	32	27	income	income	NOUN
fsr-3232	32	28	families	family	NOUN
fsr-3232	32	29	,	,	PUNCT
fsr-3232	32	30	and	and	CCONJ
fsr-3232	32	31	research	research	NOUN
fsr-3232	32	32	on	on	ADP
fsr-3232	32	33	the	the	DET
fsr-3232	32	34	financial	financial	ADJ
fsr-3232	32	35	behaviors	behavior	NOUN
fsr-3232	32	36	of	of	ADP
fsr-3232	32	37	lowand	lowand	ADJ
fsr-3232	32	38	moderate	moderate	ADJ
fsr-3232	32	39	-	-	PUNCT
fsr-3232	32	40	income	income	NOUN
fsr-3232	32	41	families	family	NOUN
fsr-3232	32	42	is	be	AUX
fsr-3232	32	43	needed	need	VERB
fsr-3232	32	44	.	.	PUNCT
fsr-3232	33	1	the	the	DET
fsr-3232	33	2	present	present	ADJ
fsr-3232	33	3	study	study	NOUN
fsr-3232	33	4	focuses	focus	VERB
fsr-3232	33	5	on	on	ADP
fsr-3232	33	6	differences	difference	NOUN
fsr-3232	33	7	in	in	ADP
fsr-3232	33	8	saving	save	VERB
fsr-3232	33	9	behaviors	behavior	NOUN
fsr-3232	33	10	between	between	ADP
fsr-3232	33	11	lowto	lowto	PROPN
fsr-3232	33	12	moderateincome	moderateincome	NOUN
fsr-3232	33	13	women	woman	NOUN
fsr-3232	33	14	and	and	CCONJ
fsr-3232	33	15	men	man	NOUN
fsr-3232	33	16	who	who	PRON
fsr-3232	33	17	are	be	AUX
fsr-3232	33	18	not	not	PART
fsr-3232	33	19	married	married	ADJ
fsr-3232	33	20	or	or	CCONJ
fsr-3232	33	21	living	live	VERB
fsr-3232	33	22	with	with	ADP
fsr-3232	33	23	a	a	DET
fsr-3232	33	24	partner	partner	NOUN
fsr-3232	33	25	,	,	PUNCT
fsr-3232	33	26	eliminating	eliminate	VERB
fsr-3232	33	27	the	the	DET
fsr-3232	33	28	effect	effect	NOUN
fsr-3232	33	29	of	of	ADP
fsr-3232	33	30	a	a	DET
fsr-3232	33	31	spouse	spouse	NOUN
fsr-3232	33	32	or	or	CCONJ
fsr-3232	33	33	partner	partner	NOUN
fsr-3232	33	34	.	.	PUNCT
fsr-3232	34	1	we	we	PRON
fsr-3232	34	2	include	include	VERB
fsr-3232	34	3	households	household	NOUN
fsr-3232	34	4	where	where	SCONJ
fsr-3232	34	5	children	child	NOUN
fsr-3232	34	6	or	or	CCONJ
fsr-3232	34	7	other	other	ADJ
fsr-3232	34	8	non	non	ADJ
fsr-3232	34	9	-	-	ADJ
fsr-3232	34	10	partner	partner	ADJ
fsr-3232	34	11	household	household	NOUN
fsr-3232	34	12	2	2	NUM
fsr-3232	34	13	p.j	p.j	PROPN
fsr-3232	34	14	.	.	PROPN
fsr-3232	34	15	fisher	fisher	PROPN
fsr-3232	34	16	et	et	PROPN
fsr-3232	34	17	al	al	PROPN
fsr-3232	34	18	.	.	PUNCT
fsr-3232	34	19	/	/	SYM
fsr-3232	34	20	financial	financial	ADJ
fsr-3232	34	21	services	service	NOUN
fsr-3232	34	22	review	review	VERB
fsr-3232	34	23	24	24	NUM
fsr-3232	34	24	(	(	PUNCT
fsr-3232	34	25	2015	2015	NUM
fsr-3232	34	26	)	)	PUNCT
fsr-3232	34	27	1–13	1–13	NOUN
fsr-3232	34	28	members	member	NOUN
fsr-3232	34	29	are	be	AUX
fsr-3232	34	30	present	present	ADJ
fsr-3232	34	31	.	.	PUNCT
fsr-3232	35	1	on	on	ADP
fsr-3232	35	2	average	average	ADJ
fsr-3232	35	3	,	,	PUNCT
fsr-3232	35	4	women	woman	NOUN
fsr-3232	35	5	have	have	VERB
fsr-3232	35	6	lower	low	ADJ
fsr-3232	35	7	incomes	income	NOUN
fsr-3232	35	8	and	and	CCONJ
fsr-3232	35	9	wealth	wealth	NOUN
fsr-3232	35	10	,	,	PUNCT
fsr-3232	35	11	and	and	CCONJ
fsr-3232	35	12	are	be	AUX
fsr-3232	35	13	much	much	ADV
fsr-3232	35	14	more	more	ADV
fsr-3232	35	15	likely	likely	ADJ
fsr-3232	35	16	to	to	PART
fsr-3232	35	17	be	be	AUX
fsr-3232	35	18	living	live	VERB
fsr-3232	35	19	in	in	ADP
fsr-3232	35	20	poverty	poverty	NOUN
fsr-3232	35	21	during	during	ADP
fsr-3232	35	22	retirement	retirement	NOUN
fsr-3232	35	23	.	.	PUNCT
fsr-3232	36	1	therefore	therefore	ADV
fsr-3232	36	2	,	,	PUNCT
fsr-3232	36	3	it	it	PRON
fsr-3232	36	4	is	be	AUX
fsr-3232	36	5	important	important	ADJ
fsr-3232	36	6	to	to	PART
fsr-3232	36	7	better	well	ADV
fsr-3232	36	8	understand	understand	VERB
fsr-3232	36	9	the	the	DET
fsr-3232	36	10	saving	save	VERB
fsr-3232	36	11	behaviors	behavior	NOUN
fsr-3232	36	12	of	of	ADP
fsr-3232	36	13	single	single	ADJ
fsr-3232	36	14	women	woman	NOUN
fsr-3232	36	15	,	,	PUNCT
fsr-3232	36	16	as	as	ADV
fsr-3232	36	17	well	well	ADV
fsr-3232	36	18	as	as	ADP
fsr-3232	36	19	how	how	SCONJ
fsr-3232	36	20	these	these	DET
fsr-3232	36	21	behaviors	behavior	NOUN
fsr-3232	36	22	may	may	AUX
fsr-3232	36	23	differ	differ	VERB
fsr-3232	36	24	from	from	ADP
fsr-3232	36	25	single	single	ADJ
fsr-3232	36	26	men	man	NOUN
fsr-3232	36	27	,	,	PUNCT
fsr-3232	36	28	particularly	particularly	ADV
fsr-3232	36	29	among	among	ADP
fsr-3232	36	30	lowto	lowto	NOUN
fsr-3232	36	31	moderate	moderate	ADJ
fsr-3232	36	32	-	-	PUNCT
fsr-3232	36	33	income	income	NOUN
fsr-3232	36	34	groups	group	NOUN
fsr-3232	36	35	.	.	PUNCT
fsr-3232	37	1	2	2	X
fsr-3232	37	2	.	.	X
fsr-3232	37	3	literature	literature	NOUN
fsr-3232	37	4	review	review	NOUN
fsr-3232	37	5	women	woman	NOUN
fsr-3232	37	6	in	in	ADP
fsr-3232	37	7	the	the	DET
fsr-3232	37	8	united	united	PROPN
fsr-3232	37	9	states	states	PROPN
fsr-3232	37	10	have	have	AUX
fsr-3232	37	11	historically	historically	ADV
fsr-3232	37	12	been	be	AUX
fsr-3232	37	13	dependent	dependent	ADJ
fsr-3232	37	14	on	on	ADP
fsr-3232	37	15	men	man	NOUN
fsr-3232	37	16	for	for	ADP
fsr-3232	37	17	financial	financial	ADJ
fsr-3232	37	18	security	security	NOUN
fsr-3232	37	19	(	(	PUNCT
fsr-3232	37	20	schmidt	schmidt	PROPN
fsr-3232	37	21	&	&	CCONJ
fsr-3232	37	22	sevak	sevak	PROPN
fsr-3232	37	23	,	,	PUNCT
fsr-3232	37	24	2006	2006	NUM
fsr-3232	37	25	)	)	PUNCT
fsr-3232	37	26	,	,	PUNCT
fsr-3232	37	27	and	and	CCONJ
fsr-3232	37	28	large	large	ADJ
fsr-3232	37	29	gender	gender	NOUN
fsr-3232	37	30	differences	difference	NOUN
fsr-3232	37	31	exist	exist	VERB
fsr-3232	37	32	in	in	ADP
fsr-3232	37	33	financial	financial	ADJ
fsr-3232	37	34	perceptions	perception	NOUN
fsr-3232	37	35	,	,	PUNCT
fsr-3232	37	36	behaviors	behavior	NOUN
fsr-3232	37	37	,	,	PUNCT
fsr-3232	37	38	and	and	CCONJ
fsr-3232	37	39	satisfaction	satisfaction	NOUN
fsr-3232	37	40	(	(	PUNCT
fsr-3232	37	41	hira	hira	PROPN
fsr-3232	37	42	&	&	CCONJ
fsr-3232	37	43	mugenda	mugenda	ADJ
fsr-3232	37	44	,	,	PUNCT
fsr-3232	37	45	2000	2000	NUM
fsr-3232	37	46	)	)	PUNCT
fsr-3232	37	47	.	.	PUNCT
fsr-3232	38	1	twenty	twenty	NUM
fsr-3232	38	2	-	-	PUNCT
fsr-3232	38	3	eight	eight	NUM
fsr-3232	38	4	percentage	percentage	NOUN
fsr-3232	38	5	of	of	ADP
fsr-3232	38	6	single	single	ADJ
fsr-3232	38	7	female	female	NOUN
fsr-3232	38	8	-	-	PUNCT
fsr-3232	38	9	headed	head	VERB
fsr-3232	38	10	households	household	NOUN
fsr-3232	38	11	were	be	AUX
fsr-3232	38	12	living	live	VERB
fsr-3232	38	13	in	in	ADP
fsr-3232	38	14	poverty	poverty	NOUN
fsr-3232	38	15	in	in	ADP
fsr-3232	38	16	2003	2003	NUM
fsr-3232	38	17	,	,	PUNCT
fsr-3232	38	18	as	as	SCONJ
fsr-3232	38	19	compared	compare	VERB
fsr-3232	38	20	with	with	ADP
fsr-3232	38	21	13.5	13.5	NUM
fsr-3232	38	22	%	%	NOUN
fsr-3232	38	23	of	of	ADP
fsr-3232	38	24	single	single	ADJ
fsr-3232	38	25	male	male	NOUN
fsr-3232	38	26	-	-	PUNCT
fsr-3232	38	27	headed	head	VERB
fsr-3232	38	28	households	household	NOUN
fsr-3232	38	29	and	and	CCONJ
fsr-3232	38	30	5.8	5.8	NUM
fsr-3232	38	31	%	%	NOUN
fsr-3232	38	32	of	of	ADP
fsr-3232	38	33	married	married	ADJ
fsr-3232	38	34	couple	couple	NOUN
fsr-3232	38	35	households	household	NOUN
fsr-3232	38	36	(	(	PUNCT
fsr-3232	38	37	schmidt	schmidt	PROPN
fsr-3232	38	38	&	&	CCONJ
fsr-3232	38	39	sevak	sevak	PROPN
fsr-3232	38	40	,	,	PUNCT
fsr-3232	38	41	2006	2006	NUM
fsr-3232	38	42	)	)	PUNCT
fsr-3232	38	43	.	.	PUNCT
fsr-3232	39	1	about	about	ADV
fsr-3232	39	2	half	half	NOUN
fsr-3232	39	3	of	of	ADP
fsr-3232	39	4	women	woman	NOUN
fsr-3232	39	5	at	at	ADP
fsr-3232	39	6	age	age	NOUN
fsr-3232	39	7	65	65	NUM
fsr-3232	39	8	are	be	AUX
fsr-3232	39	9	likely	likely	ADJ
fsr-3232	39	10	to	to	PART
fsr-3232	39	11	live	live	VERB
fsr-3232	39	12	beyond	beyond	ADP
fsr-3232	39	13	age	age	NOUN
fsr-3232	39	14	85	85	NUM
fsr-3232	39	15	,	,	PUNCT
fsr-3232	39	16	yet	yet	ADV
fsr-3232	39	17	89	89	NUM
fsr-3232	39	18	%	%	NOUN
fsr-3232	39	19	of	of	ADP
fsr-3232	39	20	female	female	ADJ
fsr-3232	39	21	pre	pre	NOUN
fsr-3232	39	22	-	-	NOUN
fsr-3232	39	23	retirees	retiree	NOUN
fsr-3232	39	24	and	and	CCONJ
fsr-3232	39	25	92	92	NUM
fsr-3232	39	26	%	%	NOUN
fsr-3232	39	27	of	of	ADP
fsr-3232	39	28	female	female	ADJ
fsr-3232	39	29	retirees	retiree	NOUN
fsr-3232	39	30	do	do	AUX
fsr-3232	39	31	not	not	PART
fsr-3232	39	32	plan	plan	VERB
fsr-3232	39	33	far	far	ADV
fsr-3232	39	34	enough	enough	ADV
fsr-3232	39	35	in	in	ADP
fsr-3232	39	36	the	the	DET
fsr-3232	39	37	future	future	NOUN
fsr-3232	39	38	to	to	PART
fsr-3232	39	39	cover	cover	VERB
fsr-3232	39	40	this	this	DET
fsr-3232	39	41	20	20	NUM
fsr-3232	39	42	-	-	PUNCT
fsr-3232	39	43	year	year	NOUN
fsr-3232	39	44	period	period	NOUN
fsr-3232	39	45	(	(	PUNCT
fsr-3232	39	46	society	society	NOUN
fsr-3232	39	47	of	of	ADP
fsr-3232	39	48	actuaries	actuary	NOUN
fsr-3232	39	49	,	,	PUNCT
fsr-3232	39	50	2010	2010	NUM
fsr-3232	39	51	)	)	PUNCT
fsr-3232	39	52	.	.	PUNCT
fsr-3232	40	1	lupton	lupton	PROPN
fsr-3232	40	2	and	and	CCONJ
fsr-3232	40	3	smith	smith	PROPN
fsr-3232	40	4	(	(	PUNCT
fsr-3232	40	5	2003	2003	NUM
fsr-3232	40	6	)	)	PUNCT
fsr-3232	40	7	report	report	NOUN
fsr-3232	40	8	that	that	SCONJ
fsr-3232	40	9	median	median	ADJ
fsr-3232	40	10	assets	asset	NOUN
fsr-3232	40	11	in	in	ADP
fsr-3232	40	12	white	white	ADJ
fsr-3232	40	13	female	female	NOUN
fsr-3232	40	14	-	-	PUNCT
fsr-3232	40	15	headed	head	VERB
fsr-3232	40	16	households	household	NOUN
fsr-3232	40	17	are	be	AUX
fsr-3232	40	18	two	two	NUM
fsr-3232	40	19	-	-	PUNCT
fsr-3232	40	20	thirds	third	NOUN
fsr-3232	40	21	of	of	ADP
fsr-3232	40	22	those	those	PRON
fsr-3232	40	23	in	in	ADP
fsr-3232	40	24	similarly	similarly	ADV
fsr-3232	40	25	situated	situate	VERB
fsr-3232	40	26	male	male	NOUN
fsr-3232	40	27	-	-	PUNCT
fsr-3232	40	28	headed	head	VERB
fsr-3232	40	29	families	family	NOUN
fsr-3232	40	30	but	but	CCONJ
fsr-3232	40	31	do	do	AUX
fsr-3232	40	32	not	not	PART
fsr-3232	40	33	find	find	VERB
fsr-3232	40	34	a	a	DET
fsr-3232	40	35	significant	significant	ADJ
fsr-3232	40	36	gender	gender	NOUN
fsr-3232	40	37	difference	difference	NOUN
fsr-3232	40	38	among	among	ADP
fsr-3232	40	39	minority	minority	NOUN
fsr-3232	40	40	households	household	NOUN
fsr-3232	40	41	.	.	PUNCT
fsr-3232	41	1	similarly	similarly	ADV
fsr-3232	41	2	,	,	PUNCT
fsr-3232	41	3	divorced	divorced	ADJ
fsr-3232	41	4	women	woman	NOUN
fsr-3232	41	5	own	own	VERB
fsr-3232	41	6	only	only	ADV
fsr-3232	41	7	55	55	NUM
fsr-3232	41	8	%	%	NOUN
fsr-3232	41	9	of	of	ADP
fsr-3232	41	10	the	the	DET
fsr-3232	41	11	wealth	wealth	NOUN
fsr-3232	41	12	of	of	ADP
fsr-3232	41	13	divorced	divorce	VERB
fsr-3232	41	14	men	man	NOUN
fsr-3232	41	15	,	,	PUNCT
fsr-3232	41	16	and	and	CCONJ
fsr-3232	41	17	never	never	ADV
fsr-3232	41	18	married	marry	VERB
fsr-3232	41	19	women	woman	NOUN
fsr-3232	41	20	have	have	VERB
fsr-3232	41	21	slightly	slightly	ADV
fsr-3232	41	22	less	less	ADJ
fsr-3232	41	23	than	than	ADP
fsr-3232	41	24	half	half	NOUN
fsr-3232	41	25	of	of	ADP
fsr-3232	41	26	the	the	DET
fsr-3232	41	27	wealth	wealth	NOUN
fsr-3232	41	28	of	of	ADP
fsr-3232	41	29	never	never	ADV
fsr-3232	41	30	married	married	ADJ
fsr-3232	41	31	men	man	NOUN
fsr-3232	41	32	(	(	PUNCT
fsr-3232	41	33	chang	chang	PROPN
fsr-3232	41	34	,	,	PUNCT
fsr-3232	41	35	2004	2004	NUM
fsr-3232	41	36	)	)	PUNCT
fsr-3232	41	37	.	.	PUNCT
fsr-3232	42	1	in	in	ADP
fsr-3232	42	2	contrast	contrast	NOUN
fsr-3232	42	3	,	,	PUNCT
fsr-3232	42	4	schmidt	schmidt	NOUN
fsr-3232	42	5	and	and	CCONJ
fsr-3232	42	6	sevak	sevak	PROPN
fsr-3232	42	7	(	(	PUNCT
fsr-3232	42	8	2006	2006	NUM
fsr-3232	42	9	)	)	PUNCT
fsr-3232	42	10	find	find	VERB
fsr-3232	42	11	no	no	DET
fsr-3232	42	12	significant	significant	ADJ
fsr-3232	42	13	difference	difference	NOUN
fsr-3232	42	14	between	between	ADP
fsr-3232	42	15	the	the	DET
fsr-3232	42	16	wealth	wealth	NOUN
fsr-3232	42	17	holdings	holding	NOUN
fsr-3232	42	18	of	of	ADP
fsr-3232	42	19	single	single	ADJ
fsr-3232	42	20	maleand	maleand	NOUN
fsr-3232	42	21	female	female	NOUN
fsr-3232	42	22	-	-	PUNCT
fsr-3232	42	23	headed	head	VERB
fsr-3232	42	24	households	household	NOUN
fsr-3232	42	25	,	,	PUNCT
fsr-3232	42	26	despite	despite	SCONJ
fsr-3232	42	27	the	the	DET
fsr-3232	42	28	fact	fact	NOUN
fsr-3232	42	29	that	that	SCONJ
fsr-3232	42	30	households	household	NOUN
fsr-3232	42	31	headed	head	VERB
fsr-3232	42	32	by	by	ADP
fsr-3232	42	33	women	woman	NOUN
fsr-3232	42	34	are	be	AUX
fsr-3232	42	35	more	more	ADV
fsr-3232	42	36	likely	likely	ADJ
fsr-3232	42	37	to	to	PART
fsr-3232	42	38	include	include	VERB
fsr-3232	42	39	children	child	NOUN
fsr-3232	42	40	.	.	PUNCT
fsr-3232	43	1	several	several	ADJ
fsr-3232	43	2	possible	possible	ADJ
fsr-3232	43	3	reasons	reason	NOUN
fsr-3232	43	4	for	for	ADP
fsr-3232	43	5	a	a	DET
fsr-3232	43	6	gender	gender	NOUN
fsr-3232	43	7	gap	gap	NOUN
fsr-3232	43	8	in	in	ADP
fsr-3232	43	9	wealth	wealth	NOUN
fsr-3232	43	10	are	be	AUX
fsr-3232	43	11	suggested	suggest	VERB
fsr-3232	43	12	by	by	ADP
fsr-3232	43	13	researchers	researcher	NOUN
fsr-3232	43	14	(	(	PUNCT
fsr-3232	43	15	blau	blau	PROPN
fsr-3232	43	16	&	&	CCONJ
fsr-3232	43	17	kahn	kahn	PROPN
fsr-3232	43	18	,	,	PUNCT
fsr-3232	43	19	1997	1997	NUM
fsr-3232	43	20	;	;	PUNCT
fsr-3232	43	21	o’neill	o’neill	PROPN
fsr-3232	43	22	,	,	PUNCT
fsr-3232	43	23	2003	2003	NUM
fsr-3232	43	24	)	)	PUNCT
fsr-3232	43	25	.	.	PUNCT
fsr-3232	44	1	one	one	NUM
fsr-3232	44	2	area	area	NOUN
fsr-3232	44	3	in	in	ADP
fsr-3232	44	4	which	which	PRON
fsr-3232	44	5	women	woman	NOUN
fsr-3232	44	6	and	and	CCONJ
fsr-3232	44	7	men	man	NOUN
fsr-3232	44	8	differ	differ	VERB
fsr-3232	44	9	is	be	AUX
fsr-3232	44	10	risk	risk	NOUN
fsr-3232	44	11	tolerance	tolerance	NOUN
fsr-3232	44	12	,	,	PUNCT
fsr-3232	44	13	with	with	ADP
fsr-3232	44	14	gender	gender	NOUN
fsr-3232	44	15	differences	difference	NOUN
fsr-3232	44	16	in	in	ADP
fsr-3232	44	17	investment	investment	NOUN
fsr-3232	44	18	behaviors	behavior	NOUN
fsr-3232	44	19	such	such	ADJ
fsr-3232	44	20	as	as	ADP
fsr-3232	44	21	portfolio	portfolio	NOUN
fsr-3232	44	22	diversification	diversification	NOUN
fsr-3232	44	23	(	(	PUNCT
fsr-3232	44	24	hira	hira	PROPN
fsr-3232	44	25	&	&	CCONJ
fsr-3232	44	26	loibl	loibl	PROPN
fsr-3232	44	27	,	,	PUNCT
fsr-3232	44	28	2005	2005	NUM
fsr-3232	44	29	)	)	PUNCT
fsr-3232	44	30	and	and	CCONJ
fsr-3232	44	31	women	woman	NOUN
fsr-3232	44	32	less	less	ADV
fsr-3232	44	33	willing	willing	ADJ
fsr-3232	44	34	to	to	PART
fsr-3232	44	35	invest	invest	VERB
fsr-3232	44	36	in	in	ADP
fsr-3232	44	37	risky	risky	ADJ
fsr-3232	44	38	assets	asset	NOUN
fsr-3232	44	39	as	as	SCONJ
fsr-3232	44	40	compared	compare	VERB
fsr-3232	44	41	with	with	ADP
fsr-3232	44	42	men	man	NOUN
fsr-3232	44	43	(	(	PUNCT
fsr-3232	44	44	jianakoplos	jianakoplos	PROPN
fsr-3232	44	45	&	&	CCONJ
fsr-3232	44	46	bernasek	bernasek	PROPN
fsr-3232	44	47	,	,	PUNCT
fsr-3232	44	48	1998	1998	NUM
fsr-3232	44	49	;	;	PUNCT
fsr-3232	44	50	ricciardi	ricciardi	NOUN
fsr-3232	44	51	,	,	PUNCT
fsr-3232	44	52	2008	2008	NUM
fsr-3232	44	53	)	)	PUNCT
fsr-3232	44	54	.	.	PUNCT
fsr-3232	45	1	gender	gender	NOUN
fsr-3232	45	2	is	be	AUX
fsr-3232	45	3	receiving	receive	VERB
fsr-3232	45	4	considerable	considerable	ADJ
fsr-3232	45	5	attention	attention	NOUN
fsr-3232	45	6	in	in	ADP
fsr-3232	45	7	regards	regard	NOUN
fsr-3232	45	8	to	to	ADP
fsr-3232	45	9	risk	risk	NOUN
fsr-3232	45	10	taking	taking	NOUN
fsr-3232	45	11	(	(	PUNCT
fsr-3232	45	12	xiao	xiao	PROPN
fsr-3232	45	13	,	,	PUNCT
fsr-3232	45	14	collins	collins	PROPN
fsr-3232	45	15	,	,	PUNCT
fsr-3232	45	16	ford	ford	PROPN
fsr-3232	45	17	,	,	PUNCT
fsr-3232	45	18	keller	keller	PROPN
fsr-3232	45	19	,	,	PUNCT
fsr-3232	45	20	kim	kim	PROPN
fsr-3232	45	21	,	,	PUNCT
fsr-3232	45	22	&	&	CCONJ
fsr-3232	45	23	robles	robles	PROPN
fsr-3232	45	24	,	,	PUNCT
fsr-3232	45	25	2010	2010	NUM
fsr-3232	45	26	)	)	PUNCT
fsr-3232	45	27	.	.	PUNCT
fsr-3232	46	1	fisher	fisher	PROPN
fsr-3232	46	2	(	(	PUNCT
fsr-3232	46	3	2010a	2010a	NUM
fsr-3232	46	4	)	)	PUNCT
fsr-3232	46	5	found	find	VERB
fsr-3232	46	6	that	that	SCONJ
fsr-3232	46	7	differences	difference	NOUN
fsr-3232	46	8	in	in	ADP
fsr-3232	46	9	saving	save	VERB
fsr-3232	46	10	behaviors	behavior	NOUN
fsr-3232	46	11	were	be	AUX
fsr-3232	46	12	due	due	ADJ
fsr-3232	46	13	in	in	ADP
fsr-3232	46	14	part	part	NOUN
fsr-3232	46	15	to	to	ADP
fsr-3232	46	16	differences	difference	NOUN
fsr-3232	46	17	in	in	ADP
fsr-3232	46	18	risk	risk	NOUN
fsr-3232	46	19	tolerance	tolerance	NOUN
fsr-3232	46	20	.	.	PUNCT
fsr-3232	47	1	for	for	ADP
fsr-3232	47	2	both	both	CCONJ
fsr-3232	47	3	black	black	ADJ
fsr-3232	47	4	and	and	CCONJ
fsr-3232	47	5	white	white	ADJ
fsr-3232	47	6	households	household	NOUN
fsr-3232	47	7	,	,	PUNCT
fsr-3232	47	8	those	those	PRON
fsr-3232	47	9	with	with	ADP
fsr-3232	47	10	low	low	ADJ
fsr-3232	47	11	risk	risk	NOUN
fsr-3232	47	12	tolerance	tolerance	NOUN
fsr-3232	47	13	were	be	AUX
fsr-3232	47	14	less	less	ADV
fsr-3232	47	15	likely	likely	ADJ
fsr-3232	47	16	to	to	PART
fsr-3232	47	17	save	save	VERB
fsr-3232	47	18	.	.	PUNCT
fsr-3232	48	1	with	with	ADP
fsr-3232	48	2	women	woman	NOUN
fsr-3232	48	3	typically	typically	ADV
fsr-3232	48	4	scoring	score	VERB
fsr-3232	48	5	lower	low	ADJ
fsr-3232	48	6	than	than	ADP
fsr-3232	48	7	men	man	NOUN
fsr-3232	48	8	on	on	ADP
fsr-3232	48	9	risk	risk	NOUN
fsr-3232	48	10	tolerance	tolerance	NOUN
fsr-3232	48	11	measures	measure	NOUN
fsr-3232	48	12	,	,	PUNCT
fsr-3232	48	13	it	it	PRON
fsr-3232	48	14	is	be	AUX
fsr-3232	48	15	possible	possible	ADJ
fsr-3232	48	16	that	that	SCONJ
fsr-3232	48	17	risk	risk	NOUN
fsr-3232	48	18	tolerance	tolerance	NOUN
fsr-3232	48	19	contributes	contribute	VERB
fsr-3232	48	20	to	to	ADP
fsr-3232	48	21	a	a	DET
fsr-3232	48	22	gender	gender	NOUN
fsr-3232	48	23	difference	difference	NOUN
fsr-3232	48	24	in	in	ADP
fsr-3232	48	25	savings	saving	NOUN
fsr-3232	48	26	.	.	PUNCT
fsr-3232	49	1	in	in	ADP
fsr-3232	49	2	addition	addition	NOUN
fsr-3232	49	3	,	,	PUNCT
fsr-3232	49	4	women	woman	NOUN
fsr-3232	49	5	historically	historically	ADV
fsr-3232	49	6	completed	complete	VERB
fsr-3232	49	7	fewer	few	ADJ
fsr-3232	49	8	years	year	NOUN
fsr-3232	49	9	of	of	ADP
fsr-3232	49	10	education	education	NOUN
fsr-3232	49	11	than	than	ADP
fsr-3232	49	12	men	man	NOUN
fsr-3232	49	13	and	and	CCONJ
fsr-3232	49	14	spend	spend	VERB
fsr-3232	49	15	less	less	ADJ
fsr-3232	49	16	time	time	NOUN
fsr-3232	49	17	in	in	ADP
fsr-3232	49	18	the	the	DET
fsr-3232	49	19	work	work	NOUN
fsr-3232	49	20	force	force	NOUN
fsr-3232	49	21	,	,	PUNCT
fsr-3232	49	22	affecting	affect	VERB
fsr-3232	49	23	earnings	earning	NOUN
fsr-3232	49	24	(	(	PUNCT
fsr-3232	49	25	ryan	ryan	PROPN
fsr-3232	49	26	&	&	CCONJ
fsr-3232	49	27	siebens	sieben	NOUN
fsr-3232	49	28	,	,	PUNCT
fsr-3232	49	29	2012	2012	NUM
fsr-3232	49	30	)	)	PUNCT
fsr-3232	49	31	.	.	PUNCT
fsr-3232	50	1	attachment	attachment	NOUN
fsr-3232	50	2	to	to	ADP
fsr-3232	50	3	the	the	DET
fsr-3232	50	4	labor	labor	NOUN
fsr-3232	50	5	force	force	NOUN
fsr-3232	50	6	differs	differ	VERB
fsr-3232	50	7	between	between	ADP
fsr-3232	50	8	women	woman	NOUN
fsr-3232	50	9	and	and	CCONJ
fsr-3232	50	10	men	man	NOUN
fsr-3232	50	11	,	,	PUNCT
fsr-3232	50	12	which	which	PRON
fsr-3232	50	13	could	could	AUX
fsr-3232	50	14	contribute	contribute	VERB
fsr-3232	50	15	to	to	ADP
fsr-3232	50	16	gender	gender	NOUN
fsr-3232	50	17	differences	difference	NOUN
fsr-3232	50	18	in	in	ADP
fsr-3232	50	19	financial	financial	ADJ
fsr-3232	50	20	behaviors	behavior	NOUN
fsr-3232	50	21	(	(	PUNCT
fsr-3232	50	22	sierminska	sierminska	NOUN
fsr-3232	50	23	,	,	PUNCT
fsr-3232	50	24	frick	frick	ADJ
fsr-3232	50	25	,	,	PUNCT
fsr-3232	50	26	&	&	CCONJ
fsr-3232	50	27	grabka	grabka	PROPN
fsr-3232	50	28	,	,	PUNCT
fsr-3232	50	29	2010	2010	NUM
fsr-3232	50	30	)	)	PUNCT
fsr-3232	50	31	.	.	PUNCT
fsr-3232	51	1	any	any	DET
fsr-3232	51	2	difference	difference	NOUN
fsr-3232	51	3	in	in	ADP
fsr-3232	51	4	wealth	wealth	NOUN
fsr-3232	51	5	may	may	AUX
fsr-3232	51	6	partly	partly	ADV
fsr-3232	51	7	result	result	VERB
fsr-3232	51	8	from	from	ADP
fsr-3232	51	9	lower	low	ADJ
fsr-3232	51	10	female	female	ADJ
fsr-3232	51	11	labor	labor	NOUN
fsr-3232	51	12	force	force	NOUN
fsr-3232	51	13	participation	participation	NOUN
fsr-3232	51	14	(	(	PUNCT
fsr-3232	51	15	warren	warren	PROPN
fsr-3232	51	16	,	,	PUNCT
fsr-3232	51	17	rowlingson	rowlingson	PROPN
fsr-3232	51	18	,	,	PUNCT
fsr-3232	51	19	&	&	CCONJ
fsr-3232	51	20	whyley	whyley	PROPN
fsr-3232	51	21	,	,	PUNCT
fsr-3232	51	22	2001	2001	NUM
fsr-3232	51	23	)	)	PUNCT
fsr-3232	51	24	,	,	PUNCT
fsr-3232	51	25	as	as	SCONJ
fsr-3232	51	26	women	woman	NOUN
fsr-3232	51	27	are	be	AUX
fsr-3232	51	28	more	more	ADV
fsr-3232	51	29	likely	likely	ADJ
fsr-3232	51	30	than	than	SCONJ
fsr-3232	51	31	men	man	NOUN
fsr-3232	51	32	to	to	PART
fsr-3232	51	33	work	work	VERB
fsr-3232	51	34	part	part	ADJ
fsr-3232	51	35	-	-	PUNCT
fsr-3232	51	36	time	time	NOUN
fsr-3232	51	37	,	,	PUNCT
fsr-3232	51	38	have	have	VERB
fsr-3232	51	39	more	more	ADV
fsr-3232	51	40	diversified	diversified	ADJ
fsr-3232	51	41	work	work	NOUN
fsr-3232	51	42	histories	history	NOUN
fsr-3232	51	43	because	because	SCONJ
fsr-3232	51	44	of	of	ADP
fsr-3232	51	45	child	child	NOUN
fsr-3232	51	46	bearing	bearing	NOUN
fsr-3232	51	47	and	and	CCONJ
fsr-3232	51	48	child	child	NOUN
fsr-3232	51	49	rearing	rearing	NOUN
fsr-3232	51	50	,	,	PUNCT
fsr-3232	51	51	and	and	CCONJ
fsr-3232	51	52	more	more	ADV
fsr-3232	51	53	frequent	frequent	ADJ
fsr-3232	51	54	job	job	NOUN
fsr-3232	51	55	changes	change	NOUN
fsr-3232	51	56	(	(	PUNCT
fsr-3232	51	57	berger	berger	PROPN
fsr-3232	51	58	&	&	CCONJ
fsr-3232	51	59	denton	denton	PROPN
fsr-3232	51	60	,	,	PUNCT
fsr-3232	51	61	2004	2004	NUM
fsr-3232	51	62	)	)	PUNCT
fsr-3232	51	63	.	.	PUNCT
fsr-3232	52	1	a	a	DET
fsr-3232	52	2	persistent	persistent	ADJ
fsr-3232	52	3	gender	gender	NOUN
fsr-3232	52	4	gap	gap	NOUN
fsr-3232	52	5	in	in	ADP
fsr-3232	52	6	earnings	earning	NOUN
fsr-3232	52	7	is	be	AUX
fsr-3232	52	8	associated	associate	VERB
fsr-3232	52	9	with	with	ADP
fsr-3232	52	10	lower	low	ADJ
fsr-3232	52	11	wealth	wealth	NOUN
fsr-3232	52	12	holdings	holding	NOUN
fsr-3232	52	13	among	among	ADP
fsr-3232	52	14	women	woman	NOUN
fsr-3232	52	15	,	,	PUNCT
fsr-3232	52	16	even	even	ADV
fsr-3232	52	17	when	when	SCONJ
fsr-3232	52	18	holding	hold	VERB
fsr-3232	52	19	saving	saving	NOUN
fsr-3232	52	20	rates	rate	NOUN
fsr-3232	52	21	constant	constant	ADJ
fsr-3232	52	22	(	(	PUNCT
fsr-3232	52	23	blau	blau	PROPN
fsr-3232	52	24	&	&	CCONJ
fsr-3232	52	25	kahn	kahn	PROPN
fsr-3232	52	26	,	,	PUNCT
fsr-3232	52	27	1997	1997	NUM
fsr-3232	52	28	,	,	PUNCT
fsr-3232	52	29	2000	2000	NUM
fsr-3232	52	30	;	;	PUNCT
fsr-3232	52	31	o’neill	o’neill	X
fsr-3232	52	32	,	,	PUNCT
fsr-3232	52	33	2003	2003	NUM
fsr-3232	52	34	)	)	PUNCT
fsr-3232	52	35	.	.	PUNCT
fsr-3232	53	1	gender	gender	NOUN
fsr-3232	53	2	differences	difference	NOUN
fsr-3232	53	3	in	in	ADP
fsr-3232	53	4	information	information	NOUN
fsr-3232	53	5	processing	processing	NOUN
fsr-3232	53	6	and	and	CCONJ
fsr-3232	53	7	information	information	NOUN
fsr-3232	53	8	sources	source	NOUN
fsr-3232	53	9	3p.j	3p.j	NUM
fsr-3232	53	10	.	.	PUNCT
fsr-3232	54	1	fisher	fisher	PROPN
fsr-3232	54	2	et	et	PROPN
fsr-3232	54	3	al	al	PROPN
fsr-3232	54	4	.	.	PUNCT
fsr-3232	54	5	/	/	SYM
fsr-3232	54	6	financial	financial	ADJ
fsr-3232	54	7	services	service	NOUN
fsr-3232	54	8	review	review	VERB
fsr-3232	54	9	24	24	NUM
fsr-3232	54	10	(	(	PUNCT
fsr-3232	54	11	2015	2015	NUM
fsr-3232	54	12	)	)	PUNCT
fsr-3232	54	13	1–13	1–13	NOUN
fsr-3232	54	14	may	may	AUX
fsr-3232	54	15	also	also	ADV
fsr-3232	54	16	play	play	VERB
fsr-3232	54	17	a	a	DET
fsr-3232	54	18	role	role	NOUN
fsr-3232	54	19	in	in	ADP
fsr-3232	54	20	the	the	DET
fsr-3232	54	21	financial	financial	ADJ
fsr-3232	54	22	strategies	strategy	NOUN
fsr-3232	54	23	of	of	ADP
fsr-3232	54	24	men	man	NOUN
fsr-3232	54	25	and	and	CCONJ
fsr-3232	54	26	women	woman	NOUN
fsr-3232	54	27	(	(	PUNCT
fsr-3232	54	28	graham	graham	PROPN
fsr-3232	54	29	,	,	PUNCT
fsr-3232	54	30	stendardi	stendardi	NOUN
fsr-3232	54	31	,	,	PUNCT
fsr-3232	54	32	myers	myers	PROPN
fsr-3232	54	33	,	,	PUNCT
fsr-3232	54	34	&	&	CCONJ
fsr-3232	54	35	graham	graham	PROPN
fsr-3232	54	36	,	,	PUNCT
fsr-3232	54	37	2002	2002	NUM
fsr-3232	54	38	;	;	PUNCT
fsr-3232	54	39	loibl	loibl	PROPN
fsr-3232	54	40	&	&	CCONJ
fsr-3232	54	41	hira	hira	PROPN
fsr-3232	54	42	,	,	PUNCT
fsr-3232	54	43	2006	2006	NUM
fsr-3232	54	44	)	)	PUNCT
fsr-3232	54	45	.	.	PUNCT
fsr-3232	55	1	women	woman	NOUN
fsr-3232	55	2	are	be	AUX
fsr-3232	55	3	also	also	ADV
fsr-3232	55	4	less	less	ADV
fsr-3232	55	5	knowledgeable	knowledgeable	ADJ
fsr-3232	55	6	about	about	ADP
fsr-3232	55	7	finances	finance	NOUN
fsr-3232	55	8	and	and	CCONJ
fsr-3232	55	9	are	be	AUX
fsr-3232	55	10	less	less	ADV
fsr-3232	55	11	confident	confident	ADJ
fsr-3232	55	12	and	and	CCONJ
fsr-3232	55	13	enthusiastic	enthusiastic	ADJ
fsr-3232	55	14	about	about	ADP
fsr-3232	55	15	managing	manage	VERB
fsr-3232	55	16	money	money	NOUN
fsr-3232	55	17	than	than	ADP
fsr-3232	55	18	men	man	NOUN
fsr-3232	55	19	(	(	PUNCT
fsr-3232	55	20	chen	chen	PROPN
fsr-3232	55	21	&	&	CCONJ
fsr-3232	55	22	volpe	volpe	PROPN
fsr-3232	55	23	,	,	PUNCT
fsr-3232	55	24	2002	2002	NUM
fsr-3232	55	25	;	;	PUNCT
fsr-3232	55	26	loibl	loibl	PROPN
fsr-3232	55	27	&	&	CCONJ
fsr-3232	55	28	hira	hira	PROPN
fsr-3232	55	29	,	,	PUNCT
fsr-3232	55	30	2006	2006	NUM
fsr-3232	55	31	)	)	PUNCT
fsr-3232	55	32	.	.	PUNCT
fsr-3232	56	1	fisher	fisher	PROPN
fsr-3232	56	2	(	(	PUNCT
fsr-3232	56	3	2010b	2010b	NUM
fsr-3232	56	4	)	)	PUNCT
fsr-3232	56	5	provides	provide	VERB
fsr-3232	56	6	a	a	DET
fsr-3232	56	7	comprehensive	comprehensive	ADJ
fsr-3232	56	8	review	review	NOUN
fsr-3232	56	9	of	of	ADP
fsr-3232	56	10	the	the	DET
fsr-3232	56	11	literature	literature	NOUN
fsr-3232	56	12	on	on	ADP
fsr-3232	56	13	gender	gender	NOUN
fsr-3232	56	14	differences	difference	NOUN
fsr-3232	56	15	in	in	ADP
fsr-3232	56	16	the	the	DET
fsr-3232	56	17	economic	economic	ADJ
fsr-3232	56	18	well	well	NOUN
fsr-3232	56	19	-	-	PUNCT
fsr-3232	56	20	being	be	AUX
fsr-3232	56	21	and	and	CCONJ
fsr-3232	56	22	financial	financial	ADJ
fsr-3232	56	23	behaviors	behavior	NOUN
fsr-3232	56	24	of	of	ADP
fsr-3232	56	25	women	woman	NOUN
fsr-3232	56	26	.	.	PUNCT
fsr-3232	57	1	using	use	VERB
fsr-3232	57	2	the	the	DET
fsr-3232	57	3	2007	2007	NUM
fsr-3232	57	4	wave	wave	NOUN
fsr-3232	57	5	of	of	ADP
fsr-3232	57	6	the	the	DET
fsr-3232	57	7	survey	survey	NOUN
fsr-3232	57	8	of	of	ADP
fsr-3232	57	9	consumer	consumer	NOUN
fsr-3232	57	10	finances	finance	NOUN
fsr-3232	57	11	,	,	PUNCT
fsr-3232	57	12	fisher	fisher	PROPN
fsr-3232	57	13	(	(	PUNCT
fsr-3232	57	14	2010b	2010b	NUM
fsr-3232	57	15	)	)	PUNCT
fsr-3232	57	16	reports	report	VERB
fsr-3232	57	17	evidence	evidence	NOUN
fsr-3232	57	18	of	of	ADP
fsr-3232	57	19	gender	gender	NOUN
fsr-3232	57	20	differences	difference	NOUN
fsr-3232	57	21	in	in	ADP
fsr-3232	57	22	personal	personal	ADJ
fsr-3232	57	23	saving	saving	NOUN
fsr-3232	57	24	behaviors	behavior	NOUN
fsr-3232	57	25	.	.	PUNCT
fsr-3232	58	1	poor	poor	ADJ
fsr-3232	58	2	health	health	NOUN
fsr-3232	58	3	and	and	CCONJ
fsr-3232	58	4	low	low	ADJ
fsr-3232	58	5	risk	risk	NOUN
fsr-3232	58	6	tolerance	tolerance	NOUN
fsr-3232	58	7	negatively	negatively	ADV
fsr-3232	58	8	affect	affect	VERB
fsr-3232	58	9	the	the	DET
fsr-3232	58	10	likelihood	likelihood	NOUN
fsr-3232	58	11	of	of	ADP
fsr-3232	58	12	women	woman	NOUN
fsr-3232	58	13	saving	save	VERB
fsr-3232	58	14	in	in	ADP
fsr-3232	58	15	the	the	DET
fsr-3232	58	16	short	short	ADJ
fsr-3232	58	17	term	term	NOUN
fsr-3232	58	18	and	and	CCONJ
fsr-3232	58	19	saving	save	VERB
fsr-3232	58	20	regularly	regularly	ADV
fsr-3232	58	21	;	;	PUNCT
fsr-3232	58	22	education	education	NOUN
fsr-3232	58	23	is	be	AUX
fsr-3232	58	24	not	not	PART
fsr-3232	58	25	significant	significant	ADJ
fsr-3232	58	26	in	in	ADP
fsr-3232	58	27	explaining	explain	VERB
fsr-3232	58	28	women	woman	NOUN
fsr-3232	58	29	’s	’s	PART
fsr-3232	58	30	saving	saving	NOUN
fsr-3232	58	31	behaviors	behavior	NOUN
fsr-3232	58	32	.	.	PUNCT
fsr-3232	59	1	in	in	ADP
fsr-3232	59	2	contrast	contrast	NOUN
fsr-3232	59	3	,	,	PUNCT
fsr-3232	59	4	with	with	ADP
fsr-3232	59	5	increased	increase	VERB
fsr-3232	59	6	years	year	NOUN
fsr-3232	59	7	of	of	ADP
fsr-3232	59	8	education	education	NOUN
fsr-3232	59	9	,	,	PUNCT
fsr-3232	59	10	men	man	NOUN
fsr-3232	59	11	are	be	AUX
fsr-3232	59	12	more	more	ADV
fsr-3232	59	13	likely	likely	ADJ
fsr-3232	59	14	to	to	PART
fsr-3232	59	15	save	save	VERB
fsr-3232	59	16	in	in	ADP
fsr-3232	59	17	the	the	DET
fsr-3232	59	18	short	short	ADJ
fsr-3232	59	19	term	term	NOUN
fsr-3232	59	20	and	and	CCONJ
fsr-3232	59	21	to	to	PART
fsr-3232	59	22	save	save	VERB
fsr-3232	59	23	regularly	regularly	ADV
fsr-3232	59	24	.	.	PUNCT
fsr-3232	60	1	3	3	X
fsr-3232	60	2	.	.	X
fsr-3232	60	3	framework	framework	NOUN
fsr-3232	60	4	as	as	ADP
fsr-3232	60	5	in	in	ADP
fsr-3232	60	6	fisher	fisher	PROPN
fsr-3232	60	7	(	(	PUNCT
fsr-3232	60	8	2010b	2010b	NUM
fsr-3232	60	9	)	)	PUNCT
fsr-3232	60	10	,	,	PUNCT
fsr-3232	60	11	we	we	PRON
fsr-3232	60	12	use	use	VERB
fsr-3232	60	13	the	the	DET
fsr-3232	60	14	simple	simple	ADJ
fsr-3232	60	15	model	model	NOUN
fsr-3232	60	16	of	of	ADP
fsr-3232	60	17	wealth	wealth	NOUN
fsr-3232	60	18	accumulation	accumulation	NOUN
fsr-3232	60	19	of	of	ADP
fsr-3232	60	20	sierminska	sierminska	NOUN
fsr-3232	60	21	et	et	PROPN
fsr-3232	60	22	al	al	PROPN
fsr-3232	60	23	.	.	PROPN
fsr-3232	61	1	(	(	PUNCT
fsr-3232	61	2	2010	2010	NUM
fsr-3232	61	3	)	)	PUNCT
fsr-3232	61	4	,	,	PUNCT
fsr-3232	61	5	with	with	ADP
fsr-3232	61	6	assets	asset	NOUN
fsr-3232	61	7	in	in	ADP
fsr-3232	61	8	period	period	NOUN
fsr-3232	61	9	t	t	PROPN
fsr-3232	61	10	�	�	PROPN
fsr-3232	61	11	1	1	NUM
fsr-3232	61	12	(	(	PUNCT
fsr-3232	61	13	at	at	ADP
fsr-3232	61	14	�	�	PROPN
fsr-3232	61	15	1	1	NUM
fsr-3232	61	16	)	)	PUNCT
fsr-3232	61	17	expressed	express	VERB
fsr-3232	61	18	through	through	ADP
fsr-3232	61	19	the	the	DET
fsr-3232	61	20	following	follow	VERB
fsr-3232	61	21	equation	equation	NOUN
fsr-3232	61	22	:	:	PUNCT
fsr-3232	61	23	at	at	ADP
fsr-3232	61	24	�	�	PROPN
fsr-3232	61	25	1	1	NUM
fsr-3232	61	26	�	�	PROPN
fsr-3232	61	27	(	(	PUNCT
fsr-3232	61	28	1	1	NUM
fsr-3232	61	29	�	�	PROPN
fsr-3232	61	30	r)(at	r)(at	PROPN
fsr-3232	61	31	�	�	PROPN
fsr-3232	61	32	yt	yt	PROPN
fsr-3232	61	33	–	–	PUNCT
fsr-3232	61	34	ct	ct	PROPN
fsr-3232	61	35	)	)	PUNCT
fsr-3232	61	36	where	where	SCONJ
fsr-3232	61	37	(	(	PUNCT
fsr-3232	61	38	r	r	NOUN
fsr-3232	61	39	)	)	PUNCT
fsr-3232	61	40	is	be	AUX
fsr-3232	61	41	the	the	DET
fsr-3232	61	42	gross	gross	ADJ
fsr-3232	61	43	rate	rate	NOUN
fsr-3232	61	44	of	of	ADP
fsr-3232	61	45	return	return	NOUN
fsr-3232	61	46	on	on	ADP
fsr-3232	61	47	investments	investment	NOUN
fsr-3232	61	48	,	,	PUNCT
fsr-3232	61	49	(	(	PUNCT
fsr-3232	61	50	yt	yt	NOUN
fsr-3232	61	51	)	)	PUNCT
fsr-3232	61	52	denotes	denote	NOUN
fsr-3232	61	53	income	income	NOUN
fsr-3232	61	54	in	in	ADP
fsr-3232	61	55	period	period	NOUN
fsr-3232	61	56	t	t	PROPN
fsr-3232	61	57	,	,	PUNCT
fsr-3232	61	58	and	and	CCONJ
fsr-3232	61	59	(	(	PUNCT
fsr-3232	61	60	ct	ct	X
fsr-3232	61	61	)	)	PUNCT
fsr-3232	61	62	is	be	AUX
fsr-3232	61	63	consumption	consumption	NOUN
fsr-3232	61	64	in	in	ADP
fsr-3232	61	65	period	period	NOUN
fsr-3232	62	1	t.	t.	NOUN
fsr-3232	62	2	it	it	PRON
fsr-3232	62	3	is	be	AUX
fsr-3232	62	4	possible	possible	ADJ
fsr-3232	62	5	that	that	SCONJ
fsr-3232	62	6	the	the	DET
fsr-3232	62	7	gap	gap	NOUN
fsr-3232	62	8	in	in	ADP
fsr-3232	62	9	asset	asset	NOUN
fsr-3232	62	10	value	value	NOUN
fsr-3232	62	11	held	hold	VERB
fsr-3232	62	12	by	by	ADP
fsr-3232	62	13	men	man	NOUN
fsr-3232	62	14	and	and	CCONJ
fsr-3232	62	15	women	woman	NOUN
fsr-3232	62	16	results	result	VERB
fsr-3232	62	17	from	from	ADP
fsr-3232	62	18	differences	difference	NOUN
fsr-3232	62	19	in	in	ADP
fsr-3232	62	20	saving	save	VERB
fsr-3232	62	21	behaviors	behavior	NOUN
fsr-3232	62	22	(	(	PUNCT
fsr-3232	62	23	yt	yt	INTJ
fsr-3232	62	24	–	–	PUNCT
fsr-3232	62	25	ct	ct	PROPN
fsr-3232	62	26	)	)	PUNCT
fsr-3232	62	27	.	.	PUNCT
fsr-3232	63	1	in	in	ADP
fsr-3232	63	2	this	this	DET
fsr-3232	63	3	framework	framework	NOUN
fsr-3232	63	4	,	,	PUNCT
fsr-3232	63	5	household	household	NOUN
fsr-3232	63	6	saving	saving	NOUN
fsr-3232	63	7	behaviors	behavior	NOUN
fsr-3232	63	8	are	be	AUX
fsr-3232	63	9	affected	affect	VERB
fsr-3232	63	10	by	by	ADP
fsr-3232	63	11	level	level	NOUN
fsr-3232	63	12	of	of	ADP
fsr-3232	63	13	income	income	NOUN
fsr-3232	63	14	,	,	PUNCT
fsr-3232	63	15	age	age	NOUN
fsr-3232	63	16	,	,	PUNCT
fsr-3232	63	17	and	and	CCONJ
fsr-3232	63	18	risk	risk	NOUN
fsr-3232	63	19	aversion	aversion	NOUN
fsr-3232	63	20	in	in	ADP
fsr-3232	63	21	addition	addition	NOUN
fsr-3232	63	22	to	to	ADP
fsr-3232	63	23	an	an	DET
fsr-3232	63	24	individual	individual	NOUN
fsr-3232	63	25	’s	’s	PART
fsr-3232	63	26	preferences	preference	NOUN
fsr-3232	63	27	and	and	CCONJ
fsr-3232	63	28	consumption	consumption	NOUN
fsr-3232	63	29	needs	need	NOUN
fsr-3232	63	30	in	in	ADP
fsr-3232	63	31	the	the	DET
fsr-3232	63	32	presence	presence	NOUN
fsr-3232	63	33	of	of	ADP
fsr-3232	63	34	liquidity	liquidity	NOUN
fsr-3232	63	35	constraints	constraint	NOUN
fsr-3232	63	36	(	(	PUNCT
fsr-3232	63	37	fisher	fisher	NOUN
fsr-3232	63	38	,	,	PUNCT
fsr-3232	63	39	2010b	2010b	NUM
fsr-3232	63	40	;	;	PUNCT
fsr-3232	63	41	sierminska	sierminska	NOUN
fsr-3232	63	42	et	et	PROPN
fsr-3232	63	43	al	al	PROPN
fsr-3232	63	44	.	.	PROPN
fsr-3232	63	45	,	,	PUNCT
fsr-3232	63	46	2010	2010	NUM
fsr-3232	63	47	)	)	PUNCT
fsr-3232	63	48	.	.	PUNCT
fsr-3232	64	1	4	4	X
fsr-3232	64	2	.	.	X
fsr-3232	64	3	method	method	PROPN
fsr-3232	64	4	4.1	4.1	NUM
fsr-3232	64	5	.	.	PUNCT
fsr-3232	65	1	sample	sample	NOUN
fsr-3232	65	2	two	two	NUM
fsr-3232	65	3	data	datum	NOUN
fsr-3232	65	4	sets	set	NOUN
fsr-3232	65	5	are	be	AUX
fsr-3232	65	6	used	use	VERB
fsr-3232	65	7	to	to	PART
fsr-3232	65	8	examine	examine	VERB
fsr-3232	65	9	gender	gender	NOUN
fsr-3232	65	10	differences	difference	NOUN
fsr-3232	65	11	in	in	ADP
fsr-3232	65	12	saving	save	VERB
fsr-3232	65	13	among	among	ADP
fsr-3232	65	14	lowto	lowto	PROPN
fsr-3232	65	15	moderateincome	moderateincome	NOUN
fsr-3232	65	16	households	household	NOUN
fsr-3232	65	17	.	.	PUNCT
fsr-3232	66	1	the	the	DET
fsr-3232	66	2	nc1172	nc1172	PROPN
fsr-3232	66	3	data	datum	NOUN
fsr-3232	66	4	were	be	AUX
fsr-3232	66	5	collected	collect	VERB
fsr-3232	66	6	by	by	ADP
fsr-3232	66	7	survey	survey	NOUN
fsr-3232	66	8	sampling	sample	VERB
fsr-3232	66	9	international	international	NOUN
fsr-3232	66	10	in	in	ADP
fsr-3232	66	11	december	december	PROPN
fsr-3232	66	12	2010	2010	NUM
fsr-3232	66	13	using	use	VERB
fsr-3232	66	14	a	a	DET
fsr-3232	66	15	national	national	ADJ
fsr-3232	66	16	sample	sample	NOUN
fsr-3232	66	17	of	of	ADP
fsr-3232	66	18	households	household	NOUN
fsr-3232	66	19	with	with	ADP
fsr-3232	66	20	incomes	income	NOUN
fsr-3232	66	21	up	up	ADP
fsr-3232	66	22	to	to	PART
fsr-3232	66	23	$	$	SYM
fsr-3232	66	24	80,000	80,000	NUM
fsr-3232	66	25	.	.	PUNCT
fsr-3232	67	1	for	for	ADP
fsr-3232	67	2	details	detail	NOUN
fsr-3232	67	3	on	on	ADP
fsr-3232	67	4	how	how	SCONJ
fsr-3232	67	5	the	the	DET
fsr-3232	67	6	sample	sample	NOUN
fsr-3232	67	7	was	be	AUX
fsr-3232	67	8	collected	collect	VERB
fsr-3232	67	9	,	,	PUNCT
fsr-3232	67	10	see	see	VERB
fsr-3232	67	11	hayhoe	hayhoe	NOUN
fsr-3232	67	12	and	and	CCONJ
fsr-3232	67	13	gutter	gutter	NOUN
fsr-3232	67	14	(	(	PUNCT
fsr-3232	67	15	2012	2012	NUM
fsr-3232	67	16	)	)	PUNCT
fsr-3232	67	17	.	.	PUNCT
fsr-3232	68	1	the	the	DET
fsr-3232	68	2	second	second	ADJ
fsr-3232	68	3	data	datum	NOUN
fsr-3232	68	4	set	set	VERB
fsr-3232	68	5	is	be	AUX
fsr-3232	68	6	the	the	DET
fsr-3232	68	7	2010	2010	NUM
fsr-3232	68	8	scf	scf	PROPN
fsr-3232	68	9	,	,	PUNCT
fsr-3232	68	10	which	which	PRON
fsr-3232	68	11	is	be	AUX
fsr-3232	68	12	sponsored	sponsor	VERB
fsr-3232	68	13	by	by	ADP
fsr-3232	68	14	the	the	DET
fsr-3232	68	15	federal	federal	PROPN
fsr-3232	68	16	reserve	reserve	PROPN
fsr-3232	68	17	board	board	PROPN
fsr-3232	68	18	.	.	PUNCT
fsr-3232	69	1	for	for	ADP
fsr-3232	69	2	the	the	DET
fsr-3232	69	3	present	present	ADJ
fsr-3232	69	4	analysis	analysis	NOUN
fsr-3232	69	5	,	,	PUNCT
fsr-3232	69	6	the	the	DET
fsr-3232	69	7	scf	scf	PROPN
fsr-3232	69	8	sample	sample	NOUN
fsr-3232	69	9	is	be	AUX
fsr-3232	69	10	restricted	restrict	VERB
fsr-3232	69	11	to	to	ADP
fsr-3232	69	12	households	household	NOUN
fsr-3232	69	13	with	with	ADP
fsr-3232	69	14	incomes	income	NOUN
fsr-3232	69	15	up	up	ADP
fsr-3232	69	16	to	to	PART
fsr-3232	69	17	$	$	SYM
fsr-3232	69	18	80,000	80,000	NUM
fsr-3232	69	19	.	.	PUNCT
fsr-3232	70	1	to	to	PART
fsr-3232	70	2	deal	deal	VERB
fsr-3232	70	3	with	with	ADP
fsr-3232	70	4	missing	miss	VERB
fsr-3232	70	5	responses	response	NOUN
fsr-3232	70	6	in	in	ADP
fsr-3232	70	7	the	the	DET
fsr-3232	70	8	scf	scf	PROPN
fsr-3232	70	9	,	,	PUNCT
fsr-3232	70	10	five	five	NUM
fsr-3232	70	11	complete	complete	ADJ
fsr-3232	70	12	datasets	dataset	NOUN
fsr-3232	70	13	called	call	VERB
fsr-3232	70	14	“	"	PUNCT
fsr-3232	70	15	implicates	implicate	NOUN
fsr-3232	70	16	”	"	PUNCT
fsr-3232	70	17	are	be	AUX
fsr-3232	70	18	produced	produce	VERB
fsr-3232	70	19	through	through	ADP
fsr-3232	70	20	multiple	multiple	ADJ
fsr-3232	70	21	imputation	imputation	NOUN
fsr-3232	70	22	techniques	technique	NOUN
fsr-3232	70	23	(	(	PUNCT
fsr-3232	70	24	board	board	NOUN
fsr-3232	70	25	of	of	ADP
fsr-3232	70	26	governors	governor	NOUN
fsr-3232	70	27	of	of	ADP
fsr-3232	70	28	the	the	DET
fsr-3232	70	29	federal	federal	PROPN
fsr-3232	70	30	reserve	reserve	PROPN
fsr-3232	70	31	system	system	NOUN
fsr-3232	70	32	,	,	PUNCT
fsr-3232	70	33	2012	2012	NUM
fsr-3232	70	34	;	;	PUNCT
fsr-3232	70	35	kennickell	kennickell	PROPN
fsr-3232	70	36	,	,	PUNCT
fsr-3232	70	37	1997	1997	NUM
fsr-3232	70	38	)	)	PUNCT
fsr-3232	70	39	.	.	PUNCT
fsr-3232	71	1	we	we	PRON
fsr-3232	71	2	use	use	VERB
fsr-3232	71	3	all	all	DET
fsr-3232	71	4	five	five	NUM
fsr-3232	71	5	implicates	implicate	NOUN
fsr-3232	71	6	.	.	PUNCT
fsr-3232	72	1	the	the	DET
fsr-3232	72	2	repeated	repeat	VERB
fsr-3232	72	3	imputation	imputation	NOUN
fsr-3232	72	4	inference	inference	NOUN
fsr-3232	72	5	procedure	procedure	NOUN
fsr-3232	72	6	(	(	PUNCT
fsr-3232	72	7	rii	rii	NOUN
fsr-3232	72	8	)	)	PUNCT
fsr-3232	72	9	of	of	ADP
fsr-3232	72	10	montalto	montalto	NOUN
fsr-3232	72	11	and	and	CCONJ
fsr-3232	72	12	sung	sung	PROPN
fsr-3232	72	13	(	(	PUNCT
fsr-3232	72	14	1996	1996	NUM
fsr-3232	72	15	)	)	PUNCT
fsr-3232	72	16	and	and	CCONJ
fsr-3232	72	17	rubin	rubin	PROPN
fsr-3232	72	18	(	(	PUNCT
fsr-3232	72	19	1987	1987	NUM
fsr-3232	72	20	)	)	PUNCT
fsr-3232	72	21	is	be	AUX
fsr-3232	72	22	used	use	VERB
fsr-3232	72	23	to	to	PART
fsr-3232	72	24	estimate	estimate	VERB
fsr-3232	72	25	the	the	DET
fsr-3232	72	26	descriptive	descriptive	ADJ
fsr-3232	72	27	statistics	statistic	NOUN
fsr-3232	72	28	as	as	ADV
fsr-3232	72	29	well	well	ADV
fsr-3232	72	30	as	as	ADP
fsr-3232	72	31	to	to	PART
fsr-3232	72	32	conduct	conduct	VERB
fsr-3232	72	33	the	the	DET
fsr-3232	72	34	logistic	logistic	ADJ
fsr-3232	72	35	regression	regression	NOUN
fsr-3232	72	36	analyses	analyse	VERB
fsr-3232	72	37	4	4	NUM
fsr-3232	72	38	p.j	p.j	PROPN
fsr-3232	72	39	.	.	PROPN
fsr-3232	72	40	fisher	fisher	PROPN
fsr-3232	73	1	et	et	PROPN
fsr-3232	73	2	al	al	PROPN
fsr-3232	73	3	.	.	PUNCT
fsr-3232	73	4	/	/	SYM
fsr-3232	73	5	financial	financial	ADJ
fsr-3232	73	6	services	service	NOUN
fsr-3232	73	7	review	review	VERB
fsr-3232	73	8	24	24	NUM
fsr-3232	73	9	(	(	PUNCT
fsr-3232	73	10	2015	2015	NUM
fsr-3232	73	11	)	)	PUNCT
fsr-3232	73	12	1–13	1–13	NOUN
fsr-3232	73	13	because	because	SCONJ
fsr-3232	73	14	the	the	DET
fsr-3232	73	15	coefficients	coefficient	NOUN
fsr-3232	73	16	and	and	CCONJ
fsr-3232	73	17	estimates	estimate	NOUN
fsr-3232	73	18	of	of	ADP
fsr-3232	73	19	variance	variance	NOUN
fsr-3232	73	20	derived	derive	VERB
fsr-3232	73	21	by	by	ADP
fsr-3232	73	22	rii	rii	ADJ
fsr-3232	73	23	techniques	technique	NOUN
fsr-3232	73	24	provide	provide	VERB
fsr-3232	73	25	more	more	ADJ
fsr-3232	73	26	valid	valid	ADJ
fsr-3232	73	27	inference	inference	NOUN
fsr-3232	73	28	and	and	CCONJ
fsr-3232	73	29	tests	test	NOUN
fsr-3232	73	30	of	of	ADP
fsr-3232	73	31	significance	significance	NOUN
fsr-3232	73	32	.	.	PUNCT
fsr-3232	74	1	we	we	PRON
fsr-3232	74	2	weight	weight	VERB
fsr-3232	74	3	the	the	DET
fsr-3232	74	4	scf	scf	PROPN
fsr-3232	74	5	data	datum	NOUN
fsr-3232	74	6	because	because	SCONJ
fsr-3232	74	7	the	the	DET
fsr-3232	74	8	sample	sample	NOUN
fsr-3232	74	9	does	do	AUX
fsr-3232	74	10	not	not	PART
fsr-3232	74	11	follow	follow	VERB
fsr-3232	74	12	an	an	DET
fsr-3232	74	13	equal	equal	ADJ
fsr-3232	74	14	-	-	PUNCT
fsr-3232	74	15	probability	probability	NOUN
fsr-3232	74	16	design	design	NOUN
fsr-3232	74	17	(	(	PUNCT
fsr-3232	74	18	board	board	NOUN
fsr-3232	74	19	of	of	ADP
fsr-3232	74	20	governors	governor	NOUN
fsr-3232	74	21	of	of	ADP
fsr-3232	74	22	the	the	DET
fsr-3232	74	23	federal	federal	PROPN
fsr-3232	74	24	reserve	reserve	PROPN
fsr-3232	74	25	system	system	NOUN
fsr-3232	74	26	,	,	PUNCT
fsr-3232	74	27	2012	2012	NUM
fsr-3232	74	28	)	)	PUNCT
fsr-3232	74	29	.	.	PUNCT
fsr-3232	75	1	following	follow	VERB
fsr-3232	75	2	the	the	DET
fsr-3232	75	3	recommendations	recommendation	NOUN
fsr-3232	75	4	of	of	ADP
fsr-3232	75	5	kennickell	kennickell	NOUN
fsr-3232	75	6	and	and	CCONJ
fsr-3232	75	7	mcmanus	mcmanus	PROPN
fsr-3232	75	8	(	(	PUNCT
fsr-3232	75	9	1993	1993	NUM
fsr-3232	75	10	)	)	PUNCT
fsr-3232	75	11	and	and	CCONJ
fsr-3232	75	12	montalto	montalto	NOUN
fsr-3232	75	13	(	(	PUNCT
fsr-3232	75	14	1998	1998	NUM
fsr-3232	75	15	)	)	PUNCT
fsr-3232	75	16	,	,	PUNCT
fsr-3232	75	17	we	we	PRON
fsr-3232	75	18	weight	weight	VERB
fsr-3232	75	19	the	the	DET
fsr-3232	75	20	descriptive	descriptive	ADJ
fsr-3232	75	21	statistics	statistic	NOUN
fsr-3232	75	22	.	.	PUNCT
fsr-3232	76	1	the	the	DET
fsr-3232	76	2	logistic	logistic	ADJ
fsr-3232	76	3	regression	regression	NOUN
fsr-3232	76	4	models	model	NOUN
fsr-3232	76	5	estimating	estimate	VERB
fsr-3232	76	6	the	the	DET
fsr-3232	76	7	effects	effect	NOUN
fsr-3232	76	8	of	of	ADP
fsr-3232	76	9	the	the	DET
fsr-3232	76	10	independent	independent	ADJ
fsr-3232	76	11	variables	variable	NOUN
fsr-3232	76	12	on	on	ADP
fsr-3232	76	13	the	the	DET
fsr-3232	76	14	likelihood	likelihood	NOUN
fsr-3232	76	15	of	of	ADP
fsr-3232	76	16	saving	save	VERB
fsr-3232	76	17	do	do	AUX
fsr-3232	76	18	not	not	PART
fsr-3232	76	19	include	include	VERB
fsr-3232	76	20	weights	weight	NOUN
fsr-3232	76	21	,	,	PUNCT
fsr-3232	76	22	and	and	CCONJ
fsr-3232	76	23	pooled	pool	VERB
fsr-3232	76	24	data	datum	NOUN
fsr-3232	76	25	(	(	PUNCT
fsr-3232	76	26	that	that	PRON
fsr-3232	76	27	does	do	AUX
fsr-3232	76	28	not	not	PART
fsr-3232	76	29	account	account	VERB
fsr-3232	76	30	for	for	ADP
fsr-3232	76	31	variability	variability	NOUN
fsr-3232	76	32	in	in	ADP
fsr-3232	76	33	the	the	DET
fsr-3232	76	34	data	datum	NOUN
fsr-3232	76	35	from	from	ADP
fsr-3232	76	36	missing	miss	VERB
fsr-3232	76	37	values	value	NOUN
fsr-3232	76	38	)	)	PUNCT
fsr-3232	76	39	are	be	AUX
fsr-3232	76	40	used	use	VERB
fsr-3232	76	41	for	for	ADP
fsr-3232	76	42	the	the	DET
fsr-3232	76	43	likelihood	likelihood	NOUN
fsr-3232	76	44	ratio	ratio	NOUN
fsr-3232	76	45	tests	test	NOUN
fsr-3232	76	46	.	.	PUNCT
fsr-3232	77	1	only	only	ADV
fsr-3232	77	2	households	household	NOUN
fsr-3232	77	3	with	with	ADP
fsr-3232	77	4	a	a	DET
fsr-3232	77	5	non	non	ADJ
fsr-3232	77	6	-	-	ADJ
fsr-3232	77	7	married	married	ADJ
fsr-3232	77	8	/	/	SYM
fsr-3232	77	9	partnered	partner	VERB
fsr-3232	77	10	respondent	respondent	NOUN
fsr-3232	77	11	with	with	ADP
fsr-3232	77	12	an	an	DET
fsr-3232	77	13	income	income	NOUN
fsr-3232	77	14	of	of	ADP
fsr-3232	77	15	$	$	SYM
fsr-3232	77	16	80,000	80,000	NUM
fsr-3232	77	17	or	or	CCONJ
fsr-3232	77	18	less	less	ADJ
fsr-3232	77	19	are	be	AUX
fsr-3232	77	20	included	include	VERB
fsr-3232	77	21	,	,	PUNCT
fsr-3232	77	22	for	for	ADP
fsr-3232	77	23	a	a	DET
fsr-3232	77	24	total	total	ADJ
fsr-3232	77	25	sample	sample	NOUN
fsr-3232	77	26	size	size	NOUN
fsr-3232	77	27	from	from	ADP
fsr-3232	77	28	the	the	DET
fsr-3232	77	29	nc1172	nc1172	PROPN
fsr-3232	77	30	data	datum	NOUN
fsr-3232	77	31	set	set	VERB
fsr-3232	77	32	of	of	ADP
fsr-3232	77	33	510	510	NUM
fsr-3232	77	34	(	(	PUNCT
fsr-3232	77	35	244	244	NUM
fsr-3232	77	36	women	woman	NOUN
fsr-3232	77	37	and	and	CCONJ
fsr-3232	77	38	266	266	NUM
fsr-3232	77	39	men	man	NOUN
fsr-3232	77	40	)	)	PUNCT
fsr-3232	77	41	and	and	CCONJ
fsr-3232	77	42	2,492	2,492	NUM
fsr-3232	77	43	from	from	ADP
fsr-3232	77	44	the	the	DET
fsr-3232	77	45	scf	scf	PROPN
fsr-3232	77	46	data	datum	NOUN
fsr-3232	77	47	set	set	NOUN
fsr-3232	77	48	(	(	PUNCT
fsr-3232	77	49	1,604	1,604	NUM
fsr-3232	77	50	women	woman	NOUN
fsr-3232	77	51	and	and	CCONJ
fsr-3232	77	52	888	888	NUM
fsr-3232	77	53	men	man	NOUN
fsr-3232	77	54	)	)	PUNCT
fsr-3232	77	55	.	.	PUNCT
fsr-3232	78	1	4.2	4.2	NUM
fsr-3232	78	2	.	.	PUNCT
fsr-3232	79	1	empirical	empirical	ADJ
fsr-3232	79	2	model	model	NOUN
fsr-3232	79	3	saving	saving	NOUN
fsr-3232	79	4	is	be	AUX
fsr-3232	79	5	the	the	DET
fsr-3232	79	6	act	act	NOUN
fsr-3232	79	7	of	of	ADP
fsr-3232	79	8	regularly	regularly	ADV
fsr-3232	79	9	setting	set	VERB
fsr-3232	79	10	aside	aside	ADP
fsr-3232	79	11	funds	fund	NOUN
fsr-3232	79	12	for	for	ADP
fsr-3232	79	13	a	a	DET
fsr-3232	79	14	goal	goal	NOUN
fsr-3232	79	15	,	,	PUNCT
fsr-3232	79	16	and	and	CCONJ
fsr-3232	79	17	is	be	AUX
fsr-3232	79	18	based	base	VERB
fsr-3232	79	19	on	on	ADP
fsr-3232	79	20	a	a	DET
fsr-3232	79	21	decision	decision	NOUN
fsr-3232	79	22	making	making	NOUN
fsr-3232	79	23	process	process	NOUN
fsr-3232	79	24	(	(	PUNCT
fsr-3232	79	25	lewis	lewis	PROPN
fsr-3232	79	26	,	,	PUNCT
fsr-3232	79	27	webley	webley	PROPN
fsr-3232	79	28	,	,	PUNCT
fsr-3232	79	29	&	&	CCONJ
fsr-3232	79	30	furnham	furnham	PROPN
fsr-3232	79	31	,	,	PUNCT
fsr-3232	79	32	1995	1995	NUM
fsr-3232	79	33	;	;	PUNCT
fsr-3232	79	34	wärneryd	wärneryd	PROPN
fsr-3232	79	35	,	,	PUNCT
fsr-3232	79	36	1999	1999	NUM
fsr-3232	79	37	)	)	PUNCT
fsr-3232	79	38	.	.	PUNCT
fsr-3232	80	1	we	we	PRON
fsr-3232	80	2	classify	classify	VERB
fsr-3232	80	3	savers	saver	NOUN
fsr-3232	80	4	as	as	ADP
fsr-3232	80	5	those	those	PRON
fsr-3232	80	6	who	who	PRON
fsr-3232	80	7	:	:	PUNCT
fsr-3232	80	8	(	(	PUNCT
fsr-3232	80	9	1	1	X
fsr-3232	80	10	)	)	PUNCT
fsr-3232	80	11	describe	describe	VERB
fsr-3232	80	12	their	their	PRON
fsr-3232	80	13	spending	spending	NOUN
fsr-3232	80	14	over	over	ADP
fsr-3232	80	15	the	the	DET
fsr-3232	80	16	past	past	ADJ
fsr-3232	80	17	year	year	NOUN
fsr-3232	80	18	as	as	ADP
fsr-3232	80	19	being	be	AUX
fsr-3232	80	20	less	less	ADJ
fsr-3232	80	21	than	than	ADP
fsr-3232	80	22	income	income	NOUN
fsr-3232	80	23	,	,	PUNCT
fsr-3232	80	24	giving	give	VERB
fsr-3232	80	25	them	they	PRON
fsr-3232	80	26	the	the	DET
fsr-3232	80	27	potential	potential	NOUN
fsr-3232	80	28	to	to	PART
fsr-3232	80	29	save	save	VERB
fsr-3232	80	30	;	;	PUNCT
fsr-3232	80	31	and	and	CCONJ
fsr-3232	80	32	(	(	PUNCT
fsr-3232	80	33	2	2	X
fsr-3232	80	34	)	)	PUNCT
fsr-3232	80	35	report	report	NOUN
fsr-3232	80	36	that	that	SCONJ
fsr-3232	80	37	they	they	PRON
fsr-3232	80	38	save	save	VERB
fsr-3232	80	39	regularly	regularly	ADV
fsr-3232	80	40	.	.	PUNCT
fsr-3232	81	1	for	for	ADP
fsr-3232	81	2	the	the	DET
fsr-3232	81	3	first	first	ADJ
fsr-3232	81	4	part	part	NOUN
fsr-3232	81	5	of	of	ADP
fsr-3232	81	6	this	this	PRON
fsr-3232	81	7	,	,	PUNCT
fsr-3232	81	8	a	a	DET
fsr-3232	81	9	variable	variable	NOUN
fsr-3232	81	10	in	in	ADP
fsr-3232	81	11	each	each	DET
fsr-3232	81	12	dataset	dataset	NOUN
fsr-3232	81	13	comparing	compare	VERB
fsr-3232	81	14	spending	spending	NOUN
fsr-3232	81	15	to	to	ADP
fsr-3232	81	16	income	income	NOUN
fsr-3232	81	17	is	be	AUX
fsr-3232	81	18	used	use	VERB
fsr-3232	81	19	.	.	PUNCT
fsr-3232	82	1	with	with	ADP
fsr-3232	82	2	the	the	DET
fsr-3232	82	3	nc1172	nc1172	PROPN
fsr-3232	82	4	data	datum	NOUN
fsr-3232	82	5	,	,	PUNCT
fsr-3232	82	6	the	the	DET
fsr-3232	82	7	saving	save	VERB
fsr-3232	82	8	regularly	regularly	ADV
fsr-3232	82	9	variable	variable	ADJ
fsr-3232	82	10	is	be	AUX
fsr-3232	82	11	based	base	VERB
fsr-3232	82	12	on	on	ADP
fsr-3232	82	13	the	the	DET
fsr-3232	82	14	following	follow	VERB
fsr-3232	82	15	question	question	NOUN
fsr-3232	82	16	:	:	PUNCT
fsr-3232	82	17	“	"	PUNCT
fsr-3232	82	18	if	if	SCONJ
fsr-3232	82	19	you	you	PRON
fsr-3232	82	20	do	do	AUX
fsr-3232	82	21	not	not	PART
fsr-3232	82	22	save	save	VERB
fsr-3232	82	23	regularly	regularly	ADV
fsr-3232	82	24	with	with	ADP
fsr-3232	82	25	a	a	DET
fsr-3232	82	26	bank	bank	NOUN
fsr-3232	82	27	,	,	PUNCT
fsr-3232	82	28	credit	credit	NOUN
fsr-3232	82	29	union	union	NOUN
fsr-3232	82	30	,	,	PUNCT
fsr-3232	82	31	or	or	CCONJ
fsr-3232	82	32	other	other	ADJ
fsr-3232	82	33	financial	financial	ADJ
fsr-3232	82	34	institution	institution	NOUN
fsr-3232	82	35	,	,	PUNCT
fsr-3232	82	36	why	why	SCONJ
fsr-3232	82	37	not	not	PART
fsr-3232	82	38	?	?	PUNCT
fsr-3232	82	39	”	"	PUNCT
fsr-3232	83	1	the	the	DET
fsr-3232	83	2	first	first	ADJ
fsr-3232	83	3	possible	possible	ADJ
fsr-3232	83	4	response	response	NOUN
fsr-3232	83	5	for	for	ADP
fsr-3232	83	6	this	this	DET
fsr-3232	83	7	question	question	NOUN
fsr-3232	83	8	was	be	AUX
fsr-3232	83	9	“	"	PUNCT
fsr-3232	83	10	i	i	PRON
fsr-3232	83	11	do	do	AUX
fsr-3232	83	12	save	save	VERB
fsr-3232	83	13	regularly	regularly	ADV
fsr-3232	83	14	.	.	PUNCT
fsr-3232	83	15	”	"	PUNCT
fsr-3232	84	1	with	with	ADP
fsr-3232	84	2	the	the	DET
fsr-3232	84	3	scf	scf	PROPN
fsr-3232	84	4	data	data	PROPN
fsr-3232	84	5	,	,	PUNCT
fsr-3232	84	6	the	the	DET
fsr-3232	84	7	saving	save	VERB
fsr-3232	84	8	regularly	regularly	ADV
fsr-3232	84	9	variable	variable	ADJ
fsr-3232	84	10	is	be	AUX
fsr-3232	84	11	based	base	VERB
fsr-3232	84	12	on	on	ADP
fsr-3232	84	13	whether	whether	SCONJ
fsr-3232	84	14	respondents	respondent	NOUN
fsr-3232	84	15	report	report	VERB
fsr-3232	84	16	saving	save	VERB
fsr-3232	84	17	regularly	regularly	ADV
fsr-3232	84	18	by	by	ADP
fsr-3232	84	19	setting	set	VERB
fsr-3232	84	20	money	money	NOUN
fsr-3232	84	21	aside	aside	ADV
fsr-3232	84	22	each	each	DET
fsr-3232	84	23	month	month	NOUN
fsr-3232	84	24	.	.	PUNCT
fsr-3232	85	1	the	the	DET
fsr-3232	85	2	independent	independent	ADJ
fsr-3232	85	3	variables	variable	NOUN
fsr-3232	85	4	are	be	AUX
fsr-3232	85	5	based	base	VERB
fsr-3232	85	6	on	on	ADP
fsr-3232	85	7	a	a	DET
fsr-3232	85	8	model	model	NOUN
fsr-3232	85	9	of	of	ADP
fsr-3232	85	10	wealth	wealth	NOUN
fsr-3232	85	11	accumulation	accumulation	NOUN
fsr-3232	85	12	(	(	PUNCT
fsr-3232	85	13	sierminska	sierminska	NOUN
fsr-3232	85	14	et	et	PROPN
fsr-3232	85	15	al	al	PROPN
fsr-3232	85	16	.	.	PROPN
fsr-3232	85	17	,	,	PUNCT
fsr-3232	85	18	2010	2010	NUM
fsr-3232	85	19	)	)	PUNCT
fsr-3232	85	20	where	where	SCONJ
fsr-3232	85	21	saving	saving	NOUN
fsr-3232	85	22	is	be	AUX
fsr-3232	85	23	affected	affect	VERB
fsr-3232	85	24	by	by	ADP
fsr-3232	85	25	income	income	NOUN
fsr-3232	85	26	,	,	PUNCT
fsr-3232	85	27	age	age	NOUN
fsr-3232	85	28	,	,	PUNCT
fsr-3232	85	29	risk	risk	NOUN
fsr-3232	85	30	tolerance	tolerance	NOUN
fsr-3232	85	31	,	,	PUNCT
fsr-3232	85	32	preferences	preference	NOUN
fsr-3232	85	33	,	,	PUNCT
fsr-3232	85	34	and	and	CCONJ
fsr-3232	85	35	consumption	consumption	NOUN
fsr-3232	85	36	needs	need	NOUN
fsr-3232	85	37	.	.	PUNCT
fsr-3232	86	1	socioeconomic	socioeconomic	ADJ
fsr-3232	86	2	control	control	NOUN
fsr-3232	86	3	variables	variable	NOUN
fsr-3232	86	4	are	be	AUX
fsr-3232	86	5	also	also	ADV
fsr-3232	86	6	included	include	VERB
fsr-3232	86	7	in	in	ADP
fsr-3232	86	8	the	the	DET
fsr-3232	86	9	model	model	NOUN
fsr-3232	86	10	.	.	PUNCT
fsr-3232	87	1	income	income	NOUN
fsr-3232	87	2	is	be	AUX
fsr-3232	87	3	included	include	VERB
fsr-3232	87	4	as	as	ADP
fsr-3232	87	5	a	a	DET
fsr-3232	87	6	continuous	continuous	ADJ
fsr-3232	87	7	variable	variable	NOUN
fsr-3232	87	8	.	.	PUNCT
fsr-3232	88	1	the	the	DET
fsr-3232	88	2	nc1172	nc1172	PROPN
fsr-3232	88	3	data	datum	NOUN
fsr-3232	88	4	set	set	VERB
fsr-3232	88	5	includes	include	VERB
fsr-3232	88	6	eight	eight	NUM
fsr-3232	88	7	income	income	NOUN
fsr-3232	88	8	categories	category	NOUN
fsr-3232	88	9	(	(	PUNCT
fsr-3232	88	10	see	see	VERB
fsr-3232	88	11	table	table	NOUN
fsr-3232	88	12	1	1	NUM
fsr-3232	88	13	)	)	PUNCT
fsr-3232	88	14	,	,	PUNCT
fsr-3232	88	15	so	so	CCONJ
fsr-3232	88	16	the	the	DET
fsr-3232	88	17	midpoint	midpoint	NOUN
fsr-3232	88	18	of	of	ADP
fsr-3232	88	19	each	each	DET
fsr-3232	88	20	category	category	NOUN
fsr-3232	88	21	is	be	AUX
fsr-3232	88	22	used	use	VERB
fsr-3232	88	23	as	as	ADP
fsr-3232	88	24	the	the	DET
fsr-3232	88	25	income	income	NOUN
fsr-3232	88	26	variable	variable	NOUN
fsr-3232	88	27	.	.	PUNCT
fsr-3232	89	1	in	in	ADP
fsr-3232	89	2	the	the	DET
fsr-3232	89	3	scf	scf	PROPN
fsr-3232	89	4	data	datum	NOUN
fsr-3232	89	5	,	,	PUNCT
fsr-3232	89	6	income	income	NOUN
fsr-3232	89	7	is	be	AUX
fsr-3232	89	8	inflation	inflation	NOUN
fsr-3232	89	9	-	-	PUNCT
fsr-3232	89	10	adjusted	adjust	VERB
fsr-3232	89	11	to	to	ADP
fsr-3232	89	12	2010	2010	NUM
fsr-3232	89	13	dollars	dollar	NOUN
fsr-3232	89	14	(	(	PUNCT
fsr-3232	89	15	data	datum	NOUN
fsr-3232	89	16	were	be	AUX
fsr-3232	89	17	collected	collect	VERB
fsr-3232	89	18	in	in	ADP
fsr-3232	89	19	2009	2009	NUM
fsr-3232	89	20	)	)	PUNCT
fsr-3232	89	21	to	to	PART
fsr-3232	89	22	be	be	AUX
fsr-3232	89	23	consistent	consistent	ADJ
fsr-3232	89	24	with	with	ADP
fsr-3232	89	25	the	the	DET
fsr-3232	89	26	nc1172	nc1172	PROPN
fsr-3232	89	27	data	datum	NOUN
fsr-3232	89	28	,	,	PUNCT
fsr-3232	89	29	which	which	PRON
fsr-3232	89	30	were	be	AUX
fsr-3232	89	31	collected	collect	VERB
fsr-3232	89	32	in	in	ADP
fsr-3232	89	33	2010	2010	NUM
fsr-3232	89	34	.	.	PUNCT
fsr-3232	90	1	age	age	NOUN
fsr-3232	90	2	is	be	AUX
fsr-3232	90	3	also	also	ADV
fsr-3232	90	4	included	include	VERB
fsr-3232	90	5	as	as	ADP
fsr-3232	90	6	a	a	DET
fsr-3232	90	7	continuous	continuous	ADJ
fsr-3232	90	8	variable	variable	NOUN
fsr-3232	90	9	.	.	PUNCT
fsr-3232	91	1	the	the	DET
fsr-3232	91	2	risk	risk	NOUN
fsr-3232	91	3	tolerance	tolerance	NOUN
fsr-3232	91	4	measure	measure	NOUN
fsr-3232	91	5	in	in	ADP
fsr-3232	91	6	the	the	DET
fsr-3232	91	7	nc1172	nc1172	NOUN
fsr-3232	91	8	data	datum	NOUN
fsr-3232	91	9	is	be	AUX
fsr-3232	91	10	based	base	VERB
fsr-3232	91	11	on	on	ADP
fsr-3232	91	12	the	the	DET
fsr-3232	91	13	5	5	NUM
fsr-3232	91	14	-	-	PUNCT
fsr-3232	91	15	item	item	NOUN
fsr-3232	91	16	financial	financial	ADJ
fsr-3232	91	17	risk	risk	NOUN
fsr-3232	91	18	tolerance	tolerance	NOUN
fsr-3232	91	19	scale	scale	NOUN
fsr-3232	91	20	(	(	PUNCT
fsr-3232	91	21	grable	grable	PROPN
fsr-3232	91	22	&	&	CCONJ
fsr-3232	91	23	joo	joo	PROPN
fsr-3232	91	24	,	,	PUNCT
fsr-3232	91	25	2004	2004	NUM
fsr-3232	91	26	)	)	PUNCT
fsr-3232	91	27	.	.	PUNCT
fsr-3232	92	1	we	we	PRON
fsr-3232	92	2	create	create	VERB
fsr-3232	92	3	three	three	NUM
fsr-3232	92	4	categories	category	NOUN
fsr-3232	92	5	of	of	ADP
fsr-3232	92	6	risk	risk	NOUN
fsr-3232	92	7	tolerance	tolerance	NOUN
fsr-3232	92	8	:	:	PUNCT
fsr-3232	92	9	low	low	ADJ
fsr-3232	92	10	,	,	PUNCT
fsr-3232	92	11	average	average	ADJ
fsr-3232	92	12	(	(	PUNCT
fsr-3232	92	13	reference	reference	NOUN
fsr-3232	92	14	group	group	NOUN
fsr-3232	92	15	)	)	PUNCT
fsr-3232	92	16	,	,	PUNCT
fsr-3232	92	17	and	and	CCONJ
fsr-3232	92	18	high	high	ADJ
fsr-3232	92	19	.	.	PUNCT
fsr-3232	93	1	saving	save	VERB
fsr-3232	93	2	horizon	horizon	NOUN
fsr-3232	93	3	is	be	AUX
fsr-3232	93	4	included	include	VERB
fsr-3232	93	5	as	as	ADP
fsr-3232	93	6	a	a	DET
fsr-3232	93	7	proxy	proxy	NOUN
fsr-3232	93	8	for	for	ADP
fsr-3232	93	9	preferences	preference	NOUN
fsr-3232	93	10	.	.	PUNCT
fsr-3232	94	1	respondents	respondent	NOUN
fsr-3232	94	2	indicate	indicate	VERB
fsr-3232	94	3	which	which	DET
fsr-3232	94	4	time	time	NOUN
fsr-3232	94	5	period	period	NOUN
fsr-3232	94	6	is	be	AUX
fsr-3232	94	7	most	most	ADV
fsr-3232	94	8	important	important	ADJ
fsr-3232	94	9	to	to	ADP
fsr-3232	94	10	them	they	PRON
fsr-3232	94	11	in	in	ADP
fsr-3232	94	12	their	their	PRON
fsr-3232	94	13	saving	saving	NOUN
fsr-3232	94	14	and	and	CCONJ
fsr-3232	94	15	spending	spending	NOUN
fsr-3232	94	16	decisions	decision	NOUN
fsr-3232	94	17	(	(	PUNCT
fsr-3232	94	18	next	next	ADJ
fsr-3232	94	19	few	few	ADJ
fsr-3232	94	20	months	month	NOUN
fsr-3232	94	21	,	,	PUNCT
fsr-3232	94	22	next	next	ADJ
fsr-3232	94	23	year	year	NOUN
fsr-3232	94	24	,	,	PUNCT
fsr-3232	94	25	next	next	ADJ
fsr-3232	94	26	1–4	1–4	NUM
fsr-3232	94	27	years	year	NOUN
fsr-3232	94	28	,	,	PUNCT
fsr-3232	94	29	next	next	ADJ
fsr-3232	94	30	5–10	5–10	ADJ
fsr-3232	94	31	years	year	NOUN
fsr-3232	94	32	,	,	PUNCT
fsr-3232	94	33	and	and	CCONJ
fsr-3232	94	34	longer	long	ADJ
fsr-3232	94	35	than	than	ADP
fsr-3232	94	36	10	10	NUM
fsr-3232	94	37	years	year	NOUN
fsr-3232	94	38	)	)	PUNCT
fsr-3232	94	39	.	.	PUNCT
fsr-3232	95	1	if	if	SCONJ
fsr-3232	95	2	respondents	respondent	NOUN
fsr-3232	95	3	indicate	indicate	VERB
fsr-3232	95	4	that	that	SCONJ
fsr-3232	95	5	the	the	DET
fsr-3232	95	6	period	period	NOUN
fsr-3232	95	7	most	most	ADV
fsr-3232	95	8	important	important	ADJ
fsr-3232	95	9	to	to	ADP
fsr-3232	95	10	them	they	PRON
fsr-3232	95	11	is	be	AUX
fsr-3232	95	12	the	the	DET
fsr-3232	95	13	next	next	ADJ
fsr-3232	95	14	few	few	ADJ
fsr-3232	95	15	months	month	NOUN
fsr-3232	95	16	or	or	CCONJ
fsr-3232	95	17	next	next	ADJ
fsr-3232	95	18	year	year	NOUN
fsr-3232	95	19	,	,	PUNCT
fsr-3232	95	20	we	we	PRON
fsr-3232	95	21	code	code	VERB
fsr-3232	95	22	them	they	PRON
fsr-3232	95	23	as	as	ADP
fsr-3232	95	24	having	have	VERB
fsr-3232	95	25	a	a	DET
fsr-3232	95	26	short	short	ADJ
fsr-3232	95	27	saving	saving	NOUN
fsr-3232	95	28	horizon	horizon	NOUN
fsr-3232	95	29	(	(	PUNCT
fsr-3232	95	30	reference	reference	NOUN
fsr-3232	95	31	group	group	NOUN
fsr-3232	95	32	)	)	PUNCT
fsr-3232	95	33	,	,	PUNCT
fsr-3232	95	34	whereas	whereas	SCONJ
fsr-3232	95	35	the	the	DET
fsr-3232	95	36	next	next	ADJ
fsr-3232	95	37	1–4	1–4	NUM
fsr-3232	95	38	years	year	NOUN
fsr-3232	95	39	and	and	CCONJ
fsr-3232	95	40	next	next	ADJ
fsr-3232	95	41	5–10	5–10	ADJ
fsr-3232	95	42	years	year	NOUN
fsr-3232	95	43	are	be	AUX
fsr-3232	95	44	coded	code	VERB
fsr-3232	95	45	as	as	ADP
fsr-3232	95	46	medium	medium	ADJ
fsr-3232	95	47	,	,	PUNCT
fsr-3232	95	48	with	with	ADP
fsr-3232	95	49	respondents	respondent	NOUN
fsr-3232	95	50	indicating	indicate	VERB
fsr-3232	95	51	longer	long	ADJ
fsr-3232	95	52	than	than	ADP
fsr-3232	95	53	10	10	NUM
fsr-3232	95	54	years	year	NOUN
fsr-3232	95	55	coded	code	VERB
fsr-3232	95	56	as	as	ADP
fsr-3232	95	57	having	have	VERB
fsr-3232	95	58	a	a	DET
fsr-3232	95	59	long	long	ADJ
fsr-3232	95	60	saving	saving	NOUN
fsr-3232	95	61	horizon	horizon	NOUN
fsr-3232	95	62	.	.	PUNCT
fsr-3232	96	1	the	the	DET
fsr-3232	96	2	scf	scf	PROPN
fsr-3232	96	3	asks	ask	VERB
fsr-3232	96	4	the	the	DET
fsr-3232	96	5	same	same	ADJ
fsr-3232	96	6	question	question	NOUN
fsr-3232	96	7	but	but	CCONJ
fsr-3232	96	8	the	the	DET
fsr-3232	96	9	response	response	NOUN
fsr-3232	96	10	options	option	NOUN
fsr-3232	96	11	differ	differ	VERB
fsr-3232	96	12	slightly	slightly	ADV
fsr-3232	96	13	.	.	PUNCT
fsr-3232	97	1	short	short	ADJ
fsr-3232	97	2	saving	saving	NOUN
fsr-3232	97	3	horizon	horizon	NOUN
fsr-3232	97	4	(	(	PUNCT
fsr-3232	97	5	reference	reference	NOUN
fsr-3232	97	6	group	group	NOUN
fsr-3232	97	7	)	)	PUNCT
fsr-3232	97	8	includes	include	VERB
fsr-3232	97	9	those	those	PRON
fsr-3232	97	10	selecting	select	VERB
fsr-3232	97	11	the	the	DET
fsr-3232	97	12	next	next	ADJ
fsr-3232	97	13	few	few	ADJ
fsr-3232	97	14	months	month	NOUN
fsr-3232	97	15	or	or	CCONJ
fsr-3232	97	16	next	next	ADJ
fsr-3232	97	17	year	year	NOUN
fsr-3232	97	18	as	as	ADP
fsr-3232	97	19	their	their	PRON
fsr-3232	97	20	most	most	ADV
fsr-3232	97	21	important	important	ADJ
fsr-3232	97	22	period	period	NOUN
fsr-3232	97	23	,	,	PUNCT
fsr-3232	97	24	whereas	whereas	SCONJ
fsr-3232	97	25	the	the	DET
fsr-3232	97	26	medium	medium	ADJ
fsr-3232	97	27	saving	save	VERB
fsr-3232	97	28	horizon	horizon	NOUN
fsr-3232	97	29	category	category	NOUN
fsr-3232	97	30	includes	include	VERB
fsr-3232	97	31	the	the	DET
fsr-3232	97	32	next	next	ADJ
fsr-3232	97	33	few	few	ADJ
fsr-3232	97	34	years	year	NOUN
fsr-3232	97	35	to	to	ADP
fsr-3232	97	36	10	10	NUM
fsr-3232	97	37	years	year	NOUN
fsr-3232	97	38	.	.	PUNCT
fsr-3232	98	1	long	long	ADV
fsr-3232	98	2	5p.j	5p.j	X
fsr-3232	98	3	.	.	PUNCT
fsr-3232	99	1	fisher	fisher	PROPN
fsr-3232	99	2	et	et	PROPN
fsr-3232	99	3	al	al	PROPN
fsr-3232	99	4	.	.	PUNCT
fsr-3232	99	5	/	/	SYM
fsr-3232	99	6	financial	financial	ADJ
fsr-3232	99	7	services	service	NOUN
fsr-3232	99	8	review	review	VERB
fsr-3232	99	9	24	24	NUM
fsr-3232	99	10	(	(	PUNCT
fsr-3232	99	11	2015	2015	NUM
fsr-3232	99	12	)	)	PUNCT
fsr-3232	99	13	1–13	1–13	NOUN
fsr-3232	99	14	saving	save	VERB
fsr-3232	99	15	horizon	horizon	NOUN
fsr-3232	99	16	includes	include	VERB
fsr-3232	99	17	those	those	PRON
fsr-3232	99	18	whose	whose	DET
fsr-3232	99	19	most	most	ADV
fsr-3232	99	20	important	important	ADJ
fsr-3232	99	21	period	period	NOUN
fsr-3232	99	22	for	for	ADP
fsr-3232	99	23	saving	save	VERB
fsr-3232	99	24	and	and	CCONJ
fsr-3232	99	25	spending	spending	NOUN
fsr-3232	99	26	is	be	AUX
fsr-3232	99	27	longer	long	ADJ
fsr-3232	99	28	than	than	ADP
fsr-3232	99	29	10	10	NUM
fsr-3232	99	30	years	year	NOUN
fsr-3232	99	31	.	.	PUNCT
fsr-3232	100	1	for	for	ADP
fsr-3232	100	2	consumption	consumption	NOUN
fsr-3232	100	3	needs	need	NOUN
fsr-3232	100	4	,	,	PUNCT
fsr-3232	100	5	we	we	PRON
fsr-3232	100	6	include	include	VERB
fsr-3232	100	7	dummy	dummy	ADJ
fsr-3232	100	8	variables	variable	NOUN
fsr-3232	100	9	for	for	ADP
fsr-3232	100	10	income	income	NOUN
fsr-3232	100	11	uncertainty	uncertainty	NOUN
fsr-3232	100	12	,	,	PUNCT
fsr-3232	100	13	health	health	NOUN
fsr-3232	100	14	status	status	NOUN
fsr-3232	100	15	,	,	PUNCT
fsr-3232	100	16	presence	presence	NOUN
fsr-3232	100	17	of	of	ADP
fsr-3232	100	18	other	other	ADJ
fsr-3232	100	19	(	(	PUNCT
fsr-3232	100	20	non	non	ADJ
fsr-3232	100	21	-	-	NOUN
fsr-3232	100	22	spouse	spouse	ADJ
fsr-3232	100	23	)	)	PUNCT
fsr-3232	100	24	household	household	NOUN
fsr-3232	100	25	members	member	NOUN
fsr-3232	100	26	,	,	PUNCT
fsr-3232	100	27	and	and	CCONJ
fsr-3232	100	28	retirement	retirement	NOUN
fsr-3232	100	29	status	status	NOUN
fsr-3232	100	30	.	.	PUNCT
fsr-3232	101	1	for	for	SCONJ
fsr-3232	101	2	the	the	DET
fsr-3232	101	3	nc1172	nc1172	PROPN
fsr-3232	101	4	data	datum	NOUN
fsr-3232	101	5	set	set	VERB
fsr-3232	101	6	,	,	PUNCT
fsr-3232	101	7	income	income	NOUN
fsr-3232	101	8	uncertainty	uncertainty	NOUN
fsr-3232	101	9	is	be	AUX
fsr-3232	101	10	based	base	VERB
fsr-3232	101	11	on	on	ADP
fsr-3232	101	12	the	the	DET
fsr-3232	101	13	respondent	respondent	NOUN
fsr-3232	101	14	’s	’s	PART
fsr-3232	101	15	job	job	NOUN
fsr-3232	101	16	security	security	NOUN
fsr-3232	101	17	,	,	PUNCT
fsr-3232	101	18	which	which	PRON
fsr-3232	101	19	we	we	PRON
fsr-3232	101	20	code	code	VERB
fsr-3232	101	21	as	as	ADP
fsr-3232	101	22	1	1	NUM
fsr-3232	101	23	if	if	SCONJ
fsr-3232	101	24	job	job	NOUN
fsr-3232	101	25	security	security	NOUN
fsr-3232	101	26	is	be	AUX
fsr-3232	101	27	insecure	insecure	ADJ
fsr-3232	101	28	or	or	CCONJ
fsr-3232	101	29	very	very	ADV
fsr-3232	101	30	insecure	insecure	ADJ
fsr-3232	101	31	,	,	PUNCT
fsr-3232	101	32	and	and	CCONJ
fsr-3232	101	33	0	0	NUM
fsr-3232	101	34	otherwise	otherwise	ADV
fsr-3232	101	35	.	.	PUNCT
fsr-3232	102	1	for	for	ADP
fsr-3232	102	2	the	the	DET
fsr-3232	102	3	scf	scf	PROPN
fsr-3232	102	4	data	datum	NOUN
fsr-3232	102	5	,	,	PUNCT
fsr-3232	102	6	income	income	NOUN
fsr-3232	102	7	uncertainty	uncertainty	NOUN
fsr-3232	102	8	is	be	AUX
fsr-3232	102	9	based	base	VERB
fsr-3232	102	10	on	on	ADP
fsr-3232	102	11	whether	whether	SCONJ
fsr-3232	102	12	the	the	DET
fsr-3232	102	13	respondent	respondent	NOUN
fsr-3232	102	14	has	have	AUX
fsr-3232	102	15	a	a	DET
fsr-3232	102	16	good	good	ADJ
fsr-3232	102	17	idea	idea	NOUN
fsr-3232	102	18	of	of	ADP
fsr-3232	102	19	income	income	NOUN
fsr-3232	102	20	in	in	ADP
fsr-3232	102	21	the	the	DET
fsr-3232	102	22	next	next	ADJ
fsr-3232	102	23	year	year	NOUN
fsr-3232	102	24	,	,	PUNCT
fsr-3232	102	25	coded	code	VERB
fsr-3232	102	26	as	as	ADP
fsr-3232	102	27	1	1	NUM
fsr-3232	102	28	if	if	SCONJ
fsr-3232	102	29	the	the	DET
fsr-3232	102	30	household	household	NOUN
fsr-3232	102	31	does	do	AUX
fsr-3232	102	32	not	not	PART
fsr-3232	102	33	have	have	VERB
fsr-3232	102	34	a	a	DET
fsr-3232	102	35	good	good	ADJ
fsr-3232	102	36	idea	idea	NOUN
fsr-3232	102	37	of	of	ADP
fsr-3232	102	38	income	income	NOUN
fsr-3232	102	39	in	in	ADP
fsr-3232	102	40	the	the	DET
fsr-3232	102	41	next	next	ADJ
fsr-3232	102	42	year	year	NOUN
fsr-3232	102	43	and	and	CCONJ
fsr-3232	102	44	0	0	NUM
fsr-3232	102	45	otherwise	otherwise	ADV
fsr-3232	102	46	.	.	PUNCT
fsr-3232	103	1	we	we	PRON
fsr-3232	103	2	create	create	VERB
fsr-3232	103	3	dummy	dummy	ADJ
fsr-3232	103	4	variables	variable	NOUN
fsr-3232	103	5	for	for	ADP
fsr-3232	103	6	health	health	NOUN
fsr-3232	103	7	status	status	NOUN
fsr-3232	103	8	,	,	PUNCT
fsr-3232	103	9	with	with	ADP
fsr-3232	103	10	categories	category	NOUN
fsr-3232	103	11	for	for	ADP
fsr-3232	103	12	fair	fair	ADJ
fsr-3232	103	13	to	to	ADP
fsr-3232	103	14	excellent	excellent	ADJ
fsr-3232	103	15	health	health	NOUN
fsr-3232	103	16	(	(	PUNCT
fsr-3232	103	17	reference	reference	NOUN
fsr-3232	103	18	group	group	NOUN
fsr-3232	103	19	)	)	PUNCT
fsr-3232	103	20	and	and	CCONJ
fsr-3232	103	21	poor	poor	ADJ
fsr-3232	103	22	health	health	NOUN
fsr-3232	103	23	.	.	PUNCT
fsr-3232	104	1	the	the	DET
fsr-3232	104	2	retirement	retirement	NOUN
fsr-3232	104	3	status	status	NOUN
fsr-3232	104	4	variable	variable	NOUN
fsr-3232	104	5	is	be	AUX
fsr-3232	104	6	coded	code	VERB
fsr-3232	104	7	as	as	ADP
fsr-3232	104	8	1	1	NUM
fsr-3232	104	9	if	if	SCONJ
fsr-3232	104	10	the	the	DET
fsr-3232	104	11	respondent	respondent	NOUN
fsr-3232	104	12	is	be	AUX
fsr-3232	104	13	retired	retire	VERB
fsr-3232	104	14	and	and	CCONJ
fsr-3232	104	15	0	0	NUM
fsr-3232	104	16	otherwise	otherwise	ADV
fsr-3232	104	17	.	.	PUNCT
fsr-3232	105	1	socioeconomic	socioeconomic	ADJ
fsr-3232	105	2	variables	variable	NOUN
fsr-3232	105	3	include	include	VERB
fsr-3232	105	4	the	the	DET
fsr-3232	105	5	respondent	respondent	NOUN
fsr-3232	105	6	’s	’s	PART
fsr-3232	105	7	race	race	NOUN
fsr-3232	105	8	and	and	CCONJ
fsr-3232	105	9	education	education	NOUN
fsr-3232	105	10	.	.	PUNCT
fsr-3232	106	1	for	for	ADP
fsr-3232	106	2	race	race	NOUN
fsr-3232	106	3	,	,	PUNCT
fsr-3232	106	4	we	we	PRON
fsr-3232	106	5	include	include	VERB
fsr-3232	106	6	only	only	ADV
fsr-3232	106	7	two	two	NUM
fsr-3232	106	8	categories	category	NOUN
fsr-3232	106	9	because	because	SCONJ
fsr-3232	106	10	of	of	ADP
fsr-3232	106	11	the	the	DET
fsr-3232	106	12	nc1172	nc1172	NOUN
fsr-3232	106	13	sample	sample	NOUN
fsr-3232	106	14	size	size	NOUN
fsr-3232	106	15	:	:	PUNCT
fsr-3232	106	16	table	table	NOUN
fsr-3232	106	17	1	1	NUM
fsr-3232	106	18	characteristics	characteristic	NOUN
fsr-3232	106	19	of	of	ADP
fsr-3232	106	20	single	single	ADJ
fsr-3232	106	21	person	person	NOUN
fsr-3232	106	22	households	household	NOUN
fsr-3232	106	23	by	by	ADP
fsr-3232	106	24	gender	gender	NOUN
fsr-3232	106	25	variables	variable	NOUN
fsr-3232	106	26	nc1172	nc1172	PROPN
fsr-3232	106	27	2010	2010	NUM
fsr-3232	106	28	scf	scf	PROPN
fsr-3232	106	29	women	woman	NOUN
fsr-3232	106	30	(	(	PUNCT
fsr-3232	106	31	n	n	X
fsr-3232	106	32	�	�	PROPN
fsr-3232	106	33	244	244	NUM
fsr-3232	106	34	)	)	PUNCT
fsr-3232	106	35	men	man	NOUN
fsr-3232	106	36	(	(	PUNCT
fsr-3232	106	37	n	n	X
fsr-3232	106	38	�	�	PROPN
fsr-3232	106	39	266	266	NUM
fsr-3232	106	40	)	)	PUNCT
fsr-3232	106	41	women	woman	NOUN
fsr-3232	106	42	(	(	PUNCT
fsr-3232	106	43	n	n	X
fsr-3232	106	44	�	�	PROPN
fsr-3232	106	45	1,604	1,604	NUM
fsr-3232	106	46	)	)	PUNCT
fsr-3232	106	47	men	man	NOUN
fsr-3232	106	48	(	(	PUNCT
fsr-3232	106	49	n	n	X
fsr-3232	106	50	�	�	PROPN
fsr-3232	106	51	888	888	NUM
fsr-3232	106	52	)	)	PUNCT
fsr-3232	106	53	mean/	mean/	NUM
fsr-3232	106	54	frequency	frequency	NOUN
fsr-3232	106	55	mean/	mean/	NUM
fsr-3232	106	56	frequency	frequency	NOUN
fsr-3232	106	57	mean/	mean/	NUM
fsr-3232	106	58	frequency	frequency	NOUN
fsr-3232	106	59	mean/	mean/	NUM
fsr-3232	106	60	frequency	frequency	NOUN
fsr-3232	106	61	saver	saver	NOUN
fsr-3232	106	62	25.82	25.82	NUM
fsr-3232	106	63	22.18	22.18	NUM
fsr-3232	106	64	18.21	18.21	NUM
fsr-3232	106	65	24.13	24.13	NUM
fsr-3232	106	66	income	income	NOUN
fsr-3232	106	67	$	$	SYM
fsr-3232	106	68	31,399	31,399	NUM
fsr-3232	106	69	$	$	SYM
fsr-3232	106	70	32,035	32,035	NUM
fsr-3232	106	71	$	$	SYM
fsr-3232	106	72	28,537	28,537	NUM
fsr-3232	106	73	$	$	SYM
fsr-3232	106	74	31,855	31,855	NUM
fsr-3232	106	75	age	age	NOUN
fsr-3232	106	76	46.4	46.4	NUM
fsr-3232	106	77	years	year	NOUN
fsr-3232	106	78	46.3	46.3	NUM
fsr-3232	106	79	years	year	NOUN
fsr-3232	106	80	53.2	53.2	NUM
fsr-3232	106	81	years	year	NOUN
fsr-3232	106	82	48.1	48.1	NUM
fsr-3232	106	83	years	year	NOUN
fsr-3232	106	84	low	low	ADJ
fsr-3232	106	85	risk	risk	NOUN
fsr-3232	106	86	tolerance	tolerance	NOUN
fsr-3232	106	87	33.20	33.20	NUM
fsr-3232	106	88	15.79	15.79	NUM
fsr-3232	106	89	65.56	65.56	NUM
fsr-3232	106	90	49.39	49.39	NUM
fsr-3232	106	91	average	average	NOUN
fsr-3232	106	92	to	to	ADP
fsr-3232	106	93	high	high	ADJ
fsr-3232	106	94	risk	risk	NOUN
fsr-3232	106	95	tolerance	tolerance	NOUN
fsr-3232	106	96	59.43	59.43	NUM
fsr-3232	106	97	74.06	74.06	NUM
fsr-3232	106	98	31.67	31.67	NUM
fsr-3232	106	99	45.16	45.16	NUM
fsr-3232	106	100	above	above	ADP
fsr-3232	106	101	average	average	ADJ
fsr-3232	106	102	to	to	ADP
fsr-3232	106	103	high	high	ADJ
fsr-3232	106	104	-	-	PUNCT
fsr-3232	106	105	risk	risk	NOUN
fsr-3232	106	106	tolerance	tolerance	NOUN
fsr-3232	106	107	7.38	7.38	NUM
fsr-3232	106	108	10.15	10.15	NUM
fsr-3232	106	109	2.77	2.77	NUM
fsr-3232	106	110	5.45	5.45	NUM
fsr-3232	106	111	preferences	preference	NOUN
fsr-3232	106	112	short	short	ADJ
fsr-3232	106	113	saving	saving	NOUN
fsr-3232	106	114	horizon	horizon	NOUN
fsr-3232	106	115	(	(	PUNCT
fsr-3232	106	116	next	next	ADJ
fsr-3232	106	117	few	few	ADJ
fsr-3232	106	118	months	month	NOUN
fsr-3232	106	119	to	to	ADP
fsr-3232	106	120	next	next	ADJ
fsr-3232	106	121	year	year	NOUN
fsr-3232	106	122	)	)	PUNCT
fsr-3232	107	1	59.02	59.02	NUM
fsr-3232	107	2	66.92	66.92	NUM
fsr-3232	107	3	52.43	52.43	NUM
fsr-3232	107	4	48.04	48.04	NUM
fsr-3232	107	5	medium	medium	ADJ
fsr-3232	107	6	saving	save	VERB
fsr-3232	107	7	horizon	horizon	NOUN
fsr-3232	107	8	(	(	PUNCT
fsr-3232	107	9	longer	long	ADJ
fsr-3232	107	10	than	than	ADP
fsr-3232	107	11	one	one	NUM
fsr-3232	107	12	year	year	NOUN
fsr-3232	107	13	but	but	CCONJ
fsr-3232	107	14	less	less	ADJ
fsr-3232	107	15	than	than	ADP
fsr-3232	107	16	10	10	NUM
fsr-3232	107	17	years	year	NOUN
fsr-3232	107	18	)	)	PUNCT
fsr-3232	107	19	31.97	31.97	NUM
fsr-3232	107	20	21.05	21.05	NUM
fsr-3232	107	21	41.68	41.68	NUM
fsr-3232	107	22	44.98	44.98	NUM
fsr-3232	107	23	long	long	ADJ
fsr-3232	107	24	saving	saving	NOUN
fsr-3232	107	25	horizon	horizon	NOUN
fsr-3232	107	26	(	(	PUNCT
fsr-3232	107	27	10	10	NUM
fsr-3232	107	28	years	year	NOUN
fsr-3232	107	29	or	or	CCONJ
fsr-3232	107	30	longer	long	ADJ
fsr-3232	107	31	)	)	PUNCT
fsr-3232	107	32	9.01	9.01	NUM
fsr-3232	107	33	12.03	12.03	NUM
fsr-3232	107	34	5.89	5.89	NUM
fsr-3232	107	35	6.98	6.98	NUM
fsr-3232	107	36	consumption	consumption	NOUN
fsr-3232	107	37	needs	need	VERB
fsr-3232	107	38	income	income	NOUN
fsr-3232	107	39	uncertainty	uncertainty	NOUN
fsr-3232	107	40	34.02	34.02	NUM
fsr-3232	107	41	36.09	36.09	NUM
fsr-3232	107	42	38.73	38.73	NUM
fsr-3232	107	43	38.76	38.76	NUM
fsr-3232	107	44	health	health	NOUN
fsr-3232	107	45	fair	fair	ADJ
fsr-3232	107	46	to	to	ADP
fsr-3232	107	47	excellent	excellent	ADJ
fsr-3232	107	48	health	health	NOUN
fsr-3232	107	49	97.95	97.95	NUM
fsr-3232	107	50	93.23	93.23	NUM
fsr-3232	107	51	91.24	91.24	NUM
fsr-3232	107	52	93.21	93.21	NUM
fsr-3232	107	53	poor	poor	ADJ
fsr-3232	107	54	health	health	NOUN
fsr-3232	107	55	2.05	2.05	NUM
fsr-3232	107	56	6.77	6.77	NUM
fsr-3232	107	57	8.76	8.76	NUM
fsr-3232	107	58	6.79	6.79	NUM
fsr-3232	107	59	other	other	ADJ
fsr-3232	107	60	(	(	PUNCT
fsr-3232	107	61	non	non	ADJ
fsr-3232	107	62	-	-	NOUN
fsr-3232	107	63	spouse	spouse	ADJ
fsr-3232	107	64	)	)	PUNCT
fsr-3232	107	65	household	household	NOUN
fsr-3232	107	66	members	member	NOUN
fsr-3232	107	67	62.70	62.70	NUM
fsr-3232	107	68	57.89	57.89	NUM
fsr-3232	107	69	47.04	47.04	NUM
fsr-3232	107	70	28.81	28.81	NUM
fsr-3232	107	71	retired	retire	VERB
fsr-3232	107	72	28.28	28.28	NUM
fsr-3232	107	73	27.07	27.07	NUM
fsr-3232	107	74	25.10	25.10	NUM
fsr-3232	107	75	19.10	19.10	NUM
fsr-3232	107	76	socioeconomic	socioeconomic	ADJ
fsr-3232	107	77	characteristics	characteristic	NOUN
fsr-3232	107	78	race	race	NOUN
fsr-3232	107	79	white	white	ADJ
fsr-3232	107	80	75.00	75.00	NUM
fsr-3232	107	81	76.69	76.69	NUM
fsr-3232	107	82	60.82	60.82	NUM
fsr-3232	107	83	67.43	67.43	NUM
fsr-3232	107	84	non	non	ADJ
fsr-3232	107	85	-	-	ADJ
fsr-3232	107	86	white	white	ADJ
fsr-3232	107	87	25.00	25.00	NUM
fsr-3232	107	88	23.31	23.31	NUM
fsr-3232	107	89	39.18	39.18	NUM
fsr-3232	107	90	32.57	32.57	NUM
fsr-3232	107	91	education	education	NOUN
fsr-3232	107	92	less	less	ADJ
fsr-3232	107	93	than	than	ADP
fsr-3232	107	94	high	high	ADJ
fsr-3232	107	95	school	school	NOUN
fsr-3232	107	96	14.75	14.75	NUM
fsr-3232	107	97	24.44	24.44	NUM
fsr-3232	107	98	13.51	13.51	NUM
fsr-3232	107	99	12.88	12.88	NUM
fsr-3232	107	100	high	high	ADJ
fsr-3232	107	101	school	school	NOUN
fsr-3232	107	102	graduate	graduate	NOUN
fsr-3232	107	103	/	/	PUNCT
fsr-3232	107	104	ged	ge	VERB
fsr-3232	107	105	74.18	74.18	NUM
fsr-3232	107	106	61.66	61.66	NUM
fsr-3232	107	107	56.49	56.49	NUM
fsr-3232	107	108	54.75	54.75	NUM
fsr-3232	107	109	college	college	NOUN
fsr-3232	107	110	degree	degree	NOUN
fsr-3232	107	111	8.20	8.20	NUM
fsr-3232	107	112	9.02	9.02	NUM
fsr-3232	107	113	30.00	30.00	NUM
fsr-3232	107	114	32.37	32.37	NUM
fsr-3232	107	115	notes	note	NOUN
fsr-3232	107	116	.	.	PUNCT
fsr-3232	108	1	bold	bold	ADJ
fsr-3232	108	2	coefficients	coefficient	NOUN
fsr-3232	108	3	represent	represent	VERB
fsr-3232	108	4	a	a	DET
fsr-3232	108	5	difference	difference	NOUN
fsr-3232	108	6	between	between	ADP
fsr-3232	108	7	men	man	NOUN
fsr-3232	108	8	and	and	CCONJ
fsr-3232	108	9	women	woman	NOUN
fsr-3232	108	10	at	at	ADP
fsr-3232	108	11	a	a	DET
fsr-3232	108	12	0.05	0.05	NUM
fsr-3232	108	13	significance	significance	NOUN
fsr-3232	108	14	level	level	NOUN
fsr-3232	108	15	.	.	PUNCT
fsr-3232	109	1	�	�	NOUN
fsr-3232	109	2	2	2	NUM
fsr-3232	109	3	test	test	NOUN
fsr-3232	109	4	used	use	VERB
fsr-3232	109	5	for	for	ADP
fsr-3232	109	6	categorical	categorical	ADJ
fsr-3232	109	7	variables	variable	NOUN
fsr-3232	109	8	and	and	CCONJ
fsr-3232	109	9	t	t	NOUN
fsr-3232	109	10	-	-	PUNCT
fsr-3232	109	11	test	test	NOUN
fsr-3232	109	12	used	use	VERB
fsr-3232	109	13	for	for	ADP
fsr-3232	109	14	continuous	continuous	ADJ
fsr-3232	109	15	variables	variable	NOUN
fsr-3232	109	16	.	.	PUNCT
fsr-3232	110	1	some	some	DET
fsr-3232	110	2	variables	variable	NOUN
fsr-3232	110	3	do	do	AUX
fsr-3232	110	4	not	not	PART
fsr-3232	110	5	sum	sum	VERB
fsr-3232	110	6	to	to	ADP
fsr-3232	110	7	100	100	NUM
fsr-3232	110	8	%	%	NOUN
fsr-3232	110	9	as	as	ADP
fsr-3232	110	10	a	a	DET
fsr-3232	110	11	result	result	NOUN
fsr-3232	110	12	of	of	ADP
fsr-3232	110	13	missing	miss	VERB
fsr-3232	110	14	values	value	NOUN
fsr-3232	110	15	.	.	PUNCT
fsr-3232	111	1	6	6	NUM
fsr-3232	111	2	p.j	p.j	PROPN
fsr-3232	111	3	.	.	PROPN
fsr-3232	111	4	fisher	fisher	PROPN
fsr-3232	111	5	et	et	PROPN
fsr-3232	111	6	al	al	PROPN
fsr-3232	111	7	.	.	PUNCT
fsr-3232	111	8	/	/	SYM
fsr-3232	111	9	financial	financial	ADJ
fsr-3232	111	10	services	service	NOUN
fsr-3232	111	11	review	review	VERB
fsr-3232	111	12	24	24	NUM
fsr-3232	111	13	(	(	PUNCT
fsr-3232	111	14	2015	2015	NUM
fsr-3232	111	15	)	)	PUNCT
fsr-3232	111	16	1–13	1–13	NOUN
fsr-3232	111	17	white	white	ADJ
fsr-3232	111	18	(	(	PUNCT
fsr-3232	111	19	reference	reference	NOUN
fsr-3232	111	20	category	category	NOUN
fsr-3232	111	21	)	)	PUNCT
fsr-3232	111	22	and	and	CCONJ
fsr-3232	111	23	non	non	ADJ
fsr-3232	111	24	-	-	ADJ
fsr-3232	111	25	white	white	ADJ
fsr-3232	111	26	.	.	PUNCT
fsr-3232	112	1	education	education	NOUN
fsr-3232	112	2	is	be	AUX
fsr-3232	112	3	divided	divide	VERB
fsr-3232	112	4	into	into	ADP
fsr-3232	112	5	three	three	NUM
fsr-3232	112	6	categories	category	NOUN
fsr-3232	112	7	:	:	PUNCT
fsr-3232	112	8	less	less	ADJ
fsr-3232	112	9	than	than	ADP
fsr-3232	112	10	high	high	ADJ
fsr-3232	112	11	school	school	NOUN
fsr-3232	112	12	(	(	PUNCT
fsr-3232	112	13	reference	reference	NOUN
fsr-3232	112	14	category	category	NOUN
fsr-3232	112	15	)	)	PUNCT
fsr-3232	112	16	,	,	PUNCT
fsr-3232	112	17	high	high	ADJ
fsr-3232	112	18	school	school	NOUN
fsr-3232	112	19	graduate	graduate	NOUN
fsr-3232	112	20	,	,	PUNCT
fsr-3232	112	21	and	and	CCONJ
fsr-3232	112	22	college	college	NOUN
fsr-3232	112	23	graduate	graduate	NOUN
fsr-3232	112	24	.	.	PUNCT
fsr-3232	113	1	5	5	X
fsr-3232	113	2	.	.	X
fsr-3232	113	3	empirical	empirical	ADJ
fsr-3232	113	4	results	result	NOUN
fsr-3232	113	5	5.1	5.1	NUM
fsr-3232	113	6	.	.	PUNCT
fsr-3232	114	1	descriptive	descriptive	ADJ
fsr-3232	114	2	statistics	statistic	NOUN
fsr-3232	114	3	table	table	NOUN
fsr-3232	114	4	1	1	NUM
fsr-3232	114	5	shows	show	VERB
fsr-3232	114	6	the	the	DET
fsr-3232	114	7	descriptive	descriptive	ADJ
fsr-3232	114	8	statistics	statistic	NOUN
fsr-3232	114	9	for	for	ADP
fsr-3232	114	10	all	all	DET
fsr-3232	114	11	non	non	ADJ
fsr-3232	114	12	-	-	ADJ
fsr-3232	114	13	married	married	ADJ
fsr-3232	114	14	/	/	SYM
fsr-3232	114	15	partnered	partner	VERB
fsr-3232	114	16	women	woman	NOUN
fsr-3232	114	17	and	and	CCONJ
fsr-3232	114	18	men	man	NOUN
fsr-3232	114	19	in	in	ADP
fsr-3232	114	20	the	the	DET
fsr-3232	114	21	nc1172	nc1172	NOUN
fsr-3232	114	22	and	and	CCONJ
fsr-3232	114	23	2010	2010	NUM
fsr-3232	114	24	scf	scf	PROPN
fsr-3232	114	25	data	datum	NOUN
fsr-3232	114	26	sets	set	NOUN
fsr-3232	114	27	.	.	PUNCT
fsr-3232	115	1	the	the	DET
fsr-3232	115	2	following	follow	VERB
fsr-3232	115	3	variables	variable	NOUN
fsr-3232	115	4	are	be	AUX
fsr-3232	115	5	significantly	significantly	ADV
fsr-3232	115	6	different	different	ADJ
fsr-3232	115	7	for	for	ADP
fsr-3232	115	8	men	man	NOUN
fsr-3232	115	9	and	and	CCONJ
fsr-3232	115	10	women	woman	NOUN
fsr-3232	115	11	based	base	VERB
fsr-3232	115	12	on	on	ADP
fsr-3232	115	13	univariate	univariate	ADJ
fsr-3232	115	14	tests	test	NOUN
fsr-3232	115	15	in	in	ADP
fsr-3232	115	16	the	the	DET
fsr-3232	115	17	nc1172	nc1172	NOUN
fsr-3232	115	18	sample	sample	NOUN
fsr-3232	115	19	(	(	PUNCT
fsr-3232	115	20	�	�	PROPN
fsr-3232	115	21	2	2	NUM
fsr-3232	115	22	for	for	ADP
fsr-3232	115	23	categorical	categorical	ADJ
fsr-3232	115	24	variables	variable	NOUN
fsr-3232	115	25	and	and	CCONJ
fsr-3232	115	26	t	t	NOUN
fsr-3232	115	27	test	test	NOUN
fsr-3232	115	28	for	for	ADP
fsr-3232	115	29	continuous	continuous	ADJ
fsr-3232	115	30	variables	variable	NOUN
fsr-3232	115	31	):	):	PUNCT
fsr-3232	115	32	low	low	ADJ
fsr-3232	115	33	risk	risk	NOUN
fsr-3232	115	34	tolerance	tolerance	NOUN
fsr-3232	115	35	,	,	PUNCT
fsr-3232	115	36	average	average	ADJ
fsr-3232	115	37	risk	risk	NOUN
fsr-3232	115	38	tolerance	tolerance	NOUN
fsr-3232	115	39	,	,	PUNCT
fsr-3232	115	40	medium	medium	ADJ
fsr-3232	115	41	saving	save	VERB
fsr-3232	115	42	horizon	horizon	NOUN
fsr-3232	115	43	,	,	PUNCT
fsr-3232	115	44	poor	poor	ADJ
fsr-3232	115	45	health	health	NOUN
fsr-3232	115	46	,	,	PUNCT
fsr-3232	115	47	and	and	CCONJ
fsr-3232	115	48	education	education	NOUN
fsr-3232	115	49	(	(	PUNCT
fsr-3232	115	50	less	less	ADJ
fsr-3232	115	51	than	than	ADP
fsr-3232	115	52	high	high	ADJ
fsr-3232	115	53	school	school	NOUN
fsr-3232	115	54	and	and	CCONJ
fsr-3232	115	55	high	high	ADJ
fsr-3232	115	56	school	school	NOUN
fsr-3232	115	57	graduate	graduate	NOUN
fsr-3232	115	58	/	/	SYM
fsr-3232	115	59	ged	ge	VERB
fsr-3232	115	60	)	)	PUNCT
fsr-3232	115	61	.	.	PUNCT
fsr-3232	116	1	for	for	ADP
fsr-3232	116	2	the	the	DET
fsr-3232	116	3	scf	scf	PROPN
fsr-3232	116	4	data	datum	NOUN
fsr-3232	116	5	set	set	NOUN
fsr-3232	116	6	,	,	PUNCT
fsr-3232	116	7	the	the	DET
fsr-3232	116	8	majority	majority	NOUN
fsr-3232	116	9	of	of	ADP
fsr-3232	116	10	variables	variable	NOUN
fsr-3232	116	11	differ	differ	VERB
fsr-3232	116	12	significantly	significantly	ADV
fsr-3232	116	13	for	for	ADP
fsr-3232	116	14	men	man	NOUN
fsr-3232	116	15	and	and	CCONJ
fsr-3232	116	16	women	woman	NOUN
fsr-3232	116	17	based	base	VERB
fsr-3232	116	18	on	on	ADP
fsr-3232	116	19	univariate	univariate	ADJ
fsr-3232	116	20	tests	test	NOUN
fsr-3232	116	21	,	,	PUNCT
fsr-3232	116	22	with	with	ADP
fsr-3232	116	23	the	the	DET
fsr-3232	116	24	exception	exception	NOUN
fsr-3232	116	25	of	of	ADP
fsr-3232	116	26	income	income	NOUN
fsr-3232	116	27	uncertainty	uncertainty	NOUN
fsr-3232	116	28	and	and	CCONJ
fsr-3232	116	29	fair	fair	ADJ
fsr-3232	116	30	to	to	ADP
fsr-3232	116	31	excellent	excellent	ADJ
fsr-3232	116	32	health	health	NOUN
fsr-3232	116	33	.	.	PUNCT
fsr-3232	117	1	about	about	ADV
fsr-3232	117	2	26	26	NUM
fsr-3232	117	3	%	%	NOUN
fsr-3232	117	4	of	of	ADP
fsr-3232	117	5	women	woman	NOUN
fsr-3232	117	6	and	and	CCONJ
fsr-3232	117	7	22	22	NUM
fsr-3232	117	8	%	%	NOUN
fsr-3232	117	9	of	of	ADP
fsr-3232	117	10	men	man	NOUN
fsr-3232	117	11	in	in	ADP
fsr-3232	117	12	the	the	DET
fsr-3232	117	13	nc1172	nc1172	NOUN
fsr-3232	117	14	sample	sample	NOUN
fsr-3232	117	15	are	be	AUX
fsr-3232	117	16	classified	classify	VERB
fsr-3232	117	17	as	as	ADP
fsr-3232	117	18	savers	saver	NOUN
fsr-3232	117	19	,	,	PUNCT
fsr-3232	117	20	as	as	SCONJ
fsr-3232	117	21	compared	compare	VERB
fsr-3232	117	22	with	with	ADP
fsr-3232	117	23	about	about	ADV
fsr-3232	117	24	18	18	NUM
fsr-3232	117	25	%	%	NOUN
fsr-3232	117	26	of	of	ADP
fsr-3232	117	27	women	woman	NOUN
fsr-3232	117	28	and	and	CCONJ
fsr-3232	117	29	24	24	NUM
fsr-3232	117	30	%	%	NOUN
fsr-3232	117	31	of	of	ADP
fsr-3232	117	32	men	man	NOUN
fsr-3232	117	33	in	in	ADP
fsr-3232	117	34	the	the	DET
fsr-3232	117	35	scf	scf	PROPN
fsr-3232	117	36	sample	sample	NOUN
fsr-3232	117	37	.	.	PUNCT
fsr-3232	118	1	the	the	DET
fsr-3232	118	2	mean	mean	ADJ
fsr-3232	118	3	incomes	income	NOUN
fsr-3232	118	4	of	of	ADP
fsr-3232	118	5	men	man	NOUN
fsr-3232	118	6	(	(	PUNCT
fsr-3232	118	7	$	$	SYM
fsr-3232	118	8	32,035	32,035	NUM
fsr-3232	118	9	)	)	PUNCT
fsr-3232	118	10	and	and	CCONJ
fsr-3232	118	11	women	woman	NOUN
fsr-3232	118	12	(	(	PUNCT
fsr-3232	118	13	$	$	SYM
fsr-3232	118	14	31,399	31,399	NUM
fsr-3232	118	15	)	)	PUNCT
fsr-3232	118	16	in	in	ADP
fsr-3232	118	17	the	the	DET
fsr-3232	118	18	nc1172	nc1172	NOUN
fsr-3232	118	19	sample	sample	NOUN
fsr-3232	118	20	are	be	AUX
fsr-3232	118	21	similar	similar	ADJ
fsr-3232	118	22	.	.	PUNCT
fsr-3232	119	1	in	in	ADP
fsr-3232	119	2	the	the	DET
fsr-3232	119	3	scf	scf	PROPN
fsr-3232	119	4	sample	sample	NOUN
fsr-3232	119	5	,	,	PUNCT
fsr-3232	119	6	the	the	DET
fsr-3232	119	7	mean	mean	ADJ
fsr-3232	119	8	income	income	NOUN
fsr-3232	119	9	of	of	ADP
fsr-3232	119	10	women	woman	NOUN
fsr-3232	119	11	(	(	PUNCT
fsr-3232	119	12	$	$	SYM
fsr-3232	119	13	28,537	28,537	NUM
fsr-3232	119	14	)	)	PUNCT
fsr-3232	119	15	is	be	AUX
fsr-3232	119	16	significantly	significantly	ADV
fsr-3232	119	17	lower	low	ADJ
fsr-3232	119	18	than	than	ADP
fsr-3232	119	19	that	that	PRON
fsr-3232	119	20	of	of	ADP
fsr-3232	119	21	men	man	NOUN
fsr-3232	119	22	(	(	PUNCT
fsr-3232	119	23	$	$	SYM
fsr-3232	119	24	31,855	31,855	NUM
fsr-3232	119	25	)	)	PUNCT
fsr-3232	119	26	.	.	PUNCT
fsr-3232	120	1	the	the	DET
fsr-3232	120	2	mean	mean	ADJ
fsr-3232	120	3	age	age	NOUN
fsr-3232	120	4	of	of	ADP
fsr-3232	120	5	the	the	DET
fsr-3232	120	6	nc1172	nc1172	NOUN
fsr-3232	120	7	sample	sample	NOUN
fsr-3232	120	8	is	be	AUX
fsr-3232	120	9	46	46	NUM
fsr-3232	120	10	years	year	NOUN
fsr-3232	120	11	for	for	ADP
fsr-3232	120	12	both	both	DET
fsr-3232	120	13	women	woman	NOUN
fsr-3232	120	14	and	and	CCONJ
fsr-3232	120	15	men	man	NOUN
fsr-3232	120	16	,	,	PUNCT
fsr-3232	120	17	with	with	ADP
fsr-3232	120	18	a	a	DET
fsr-3232	120	19	mean	mean	ADJ
fsr-3232	120	20	age	age	NOUN
fsr-3232	120	21	of	of	ADP
fsr-3232	120	22	53	53	NUM
fsr-3232	120	23	years	year	NOUN
fsr-3232	120	24	for	for	ADP
fsr-3232	120	25	women	woman	NOUN
fsr-3232	120	26	and	and	CCONJ
fsr-3232	120	27	48	48	NUM
fsr-3232	120	28	years	year	NOUN
fsr-3232	120	29	for	for	ADP
fsr-3232	120	30	men	man	NOUN
fsr-3232	120	31	in	in	ADP
fsr-3232	120	32	the	the	DET
fsr-3232	120	33	scf	scf	PROPN
fsr-3232	120	34	.	.	PUNCT
fsr-3232	121	1	in	in	ADP
fsr-3232	121	2	the	the	DET
fsr-3232	121	3	nc1172	nc1172	PROPN
fsr-3232	121	4	sample	sample	NOUN
fsr-3232	121	5	,	,	PUNCT
fsr-3232	121	6	a	a	DET
fsr-3232	121	7	smaller	small	ADJ
fsr-3232	121	8	proportion	proportion	NOUN
fsr-3232	121	9	of	of	ADP
fsr-3232	121	10	women	woman	NOUN
fsr-3232	121	11	than	than	SCONJ
fsr-3232	121	12	men	man	NOUN
fsr-3232	121	13	report	report	VERB
fsr-3232	121	14	a	a	DET
fsr-3232	121	15	short	short	ADJ
fsr-3232	121	16	saving	saving	NOUN
fsr-3232	121	17	horizon	horizon	NOUN
fsr-3232	121	18	.	.	PUNCT
fsr-3232	122	1	a	a	DET
fsr-3232	122	2	greater	great	ADJ
fsr-3232	122	3	proportion	proportion	NOUN
fsr-3232	122	4	of	of	ADP
fsr-3232	122	5	women	woman	NOUN
fsr-3232	122	6	in	in	ADP
fsr-3232	122	7	the	the	DET
fsr-3232	122	8	scf	scf	PROPN
fsr-3232	122	9	report	report	NOUN
fsr-3232	122	10	a	a	DET
fsr-3232	122	11	low	low	ADJ
fsr-3232	122	12	risk	risk	NOUN
fsr-3232	122	13	tolerance	tolerance	NOUN
fsr-3232	122	14	as	as	SCONJ
fsr-3232	122	15	compared	compare	VERB
fsr-3232	122	16	with	with	ADP
fsr-3232	122	17	men	man	NOUN
fsr-3232	122	18	.	.	PUNCT
fsr-3232	123	1	a	a	DET
fsr-3232	123	2	greater	great	ADJ
fsr-3232	123	3	proportion	proportion	NOUN
fsr-3232	123	4	table	table	NOUN
fsr-3232	123	5	2	2	NUM
fsr-3232	123	6	logit	logit	NOUN
fsr-3232	123	7	parameter	parameter	NOUN
fsr-3232	123	8	estimates	estimate	NOUN
fsr-3232	123	9	for	for	ADP
fsr-3232	123	10	determinants	determinant	NOUN
fsr-3232	123	11	of	of	ADP
fsr-3232	123	12	being	be	AUX
fsr-3232	123	13	a	a	DET
fsr-3232	123	14	saver	saver	ADJ
fsr-3232	123	15	variable	variable	ADJ
fsr-3232	123	16	nc1172	nc1172	NOUN
fsr-3232	123	17	2010	2010	NUM
fsr-3232	123	18	scf	scf	PROPN
fsr-3232	123	19	women	woman	NOUN
fsr-3232	123	20	men	man	NOUN
fsr-3232	123	21	women	woman	NOUN
fsr-3232	123	22	men	man	NOUN
fsr-3232	123	23	income	income	NOUN
fsr-3232	123	24	(	(	PUNCT
fsr-3232	123	25	in	in	ADP
fsr-3232	123	26	$	$	SYM
fsr-3232	123	27	100,000	100,000	NUM
fsr-3232	123	28	)	)	PUNCT
fsr-3232	123	29	0.026	0.026	NUM
fsr-3232	123	30	*	*	PUNCT
fsr-3232	123	31	*	*	PUNCT
fsr-3232	123	32	*	*	PUNCT
fsr-3232	123	33	0.025	0.025	NUM
fsr-3232	123	34	*	*	PUNCT
fsr-3232	123	35	*	*	PUNCT
fsr-3232	123	36	*	*	PUNCT
fsr-3232	123	37	1.934	1.934	NUM
fsr-3232	123	38	*	*	PUNCT
fsr-3232	123	39	*	*	PUNCT
fsr-3232	123	40	*	*	PUNCT
fsr-3232	123	41	1.516	1.516	NUM
fsr-3232	123	42	*	*	PUNCT
fsr-3232	123	43	*	*	PUNCT
fsr-3232	123	44	age	age	NOUN
fsr-3232	123	45	0.007	0.007	NUM
fsr-3232	123	46	0.008	0.008	NUM
fsr-3232	123	47	�	�	PROPN
fsr-3232	123	48	0.012	0.012	NUM
fsr-3232	123	49	�	�	PROPN
fsr-3232	123	50	0.007	0.007	NUM
fsr-3232	123	51	low	low	ADJ
fsr-3232	123	52	risk	risk	NOUN
fsr-3232	123	53	tolerance	tolerance	NOUN
fsr-3232	123	54	0.145	0.145	NUM
fsr-3232	123	55	0.229	0.229	NUM
fsr-3232	123	56	�	�	PROPN
fsr-3232	123	57	0.228	0.228	NUM
fsr-3232	123	58	�	�	PROPN
fsr-3232	123	59	0.373	0.373	NUM
fsr-3232	123	60	high	high	ADJ
fsr-3232	123	61	risk	risk	NOUN
fsr-3232	123	62	tolerance	tolerance	NOUN
fsr-3232	123	63	�	�	NOUN
fsr-3232	123	64	0.329	0.329	NUM
fsr-3232	123	65	1.216	1.216	NUM
fsr-3232	123	66	*	*	PUNCT
fsr-3232	123	67	�	�	PROPN
fsr-3232	123	68	0.234	0.234	NUM
fsr-3232	123	69	�	�	PROPN
fsr-3232	123	70	0.343	0.343	NUM
fsr-3232	123	71	preferences	preference	NOUN
fsr-3232	123	72	medium	medium	ADJ
fsr-3232	123	73	saving	save	VERB
fsr-3232	123	74	horizon	horizon	NOUN
fsr-3232	123	75	0.922	0.922	NUM
fsr-3232	123	76	*	*	SYM
fsr-3232	123	77	*	*	X
fsr-3232	123	78	0.130	0.130	NUM
fsr-3232	123	79	0.510	0.510	NUM
fsr-3232	123	80	*	*	PUNCT
fsr-3232	123	81	*	*	SYM
fsr-3232	123	82	0.337	0.337	NUM
fsr-3232	123	83	long	long	ADV
fsr-3232	123	84	saving	save	VERB
fsr-3232	123	85	horizon	horizon	NOUN
fsr-3232	123	86	�	�	PROPN
fsr-3232	123	87	0.207	0.207	NUM
fsr-3232	123	88	0.677	0.677	NUM
fsr-3232	123	89	0.981	0.981	NUM
fsr-3232	123	90	*	*	PUNCT
fsr-3232	123	91	*	*	PUNCT
fsr-3232	123	92	*	*	X
fsr-3232	123	93	0.824	0.824	NUM
fsr-3232	123	94	*	*	PUNCT
fsr-3232	123	95	consumption	consumption	NOUN
fsr-3232	123	96	needs	need	VERB
fsr-3232	123	97	income	income	NOUN
fsr-3232	123	98	uncertainty	uncertainty	NOUN
fsr-3232	124	1	0.331	0.331	NUM
fsr-3232	124	2	�	�	NOUN
fsr-3232	124	3	0.864	0.864	NUM
fsr-3232	124	4	*	*	SYM
fsr-3232	124	5	�	�	NOUN
fsr-3232	124	6	0.532	0.532	NUM
fsr-3232	124	7	*	*	SYM
fsr-3232	124	8	*	*	PUNCT
fsr-3232	124	9	�	�	PROPN
fsr-3232	124	10	0.719	0.719	NUM
fsr-3232	124	11	*	*	PUNCT
fsr-3232	124	12	*	*	PUNCT
fsr-3232	124	13	*	*	PUNCT
fsr-3232	124	14	poor	poor	ADJ
fsr-3232	124	15	health	health	NOUN
fsr-3232	124	16	�	�	PROPN
fsr-3232	124	17	12.855	12.855	NUM
fsr-3232	124	18	0.032	0.032	NUM
fsr-3232	124	19	�	�	PROPN
fsr-3232	124	20	0.092	0.092	NUM
fsr-3232	124	21	�	�	NOUN
fsr-3232	124	22	0.511	0.511	NUM
fsr-3232	124	23	other	other	ADJ
fsr-3232	124	24	(	(	PUNCT
fsr-3232	124	25	non	non	ADJ
fsr-3232	124	26	-	-	NOUN
fsr-3232	124	27	spouse	spouse	ADJ
fsr-3232	124	28	)	)	PUNCT
fsr-3232	124	29	household	household	NOUN
fsr-3232	124	30	members	member	NOUN
fsr-3232	124	31	0.116	0.116	NUM
fsr-3232	124	32	0.257	0.257	NUM
fsr-3232	124	33	�	�	NOUN
fsr-3232	124	34	0.671	0.671	NUM
fsr-3232	124	35	*	*	PUNCT
fsr-3232	124	36	*	*	PUNCT
fsr-3232	124	37	*	*	PUNCT
fsr-3232	124	38	0.075	0.075	NUM
fsr-3232	124	39	retired	retire	VERB
fsr-3232	124	40	�	�	PROPN
fsr-3232	124	41	0.076	0.076	NUM
fsr-3232	124	42	0.416	0.416	NUM
fsr-3232	124	43	�	�	PROPN
fsr-3232	124	44	0.000	0.000	NUM
fsr-3232	124	45	�	�	PROPN
fsr-3232	124	46	0.500	0.500	NUM
fsr-3232	124	47	socioeconomic	socioeconomic	ADJ
fsr-3232	124	48	characteristics	characteristic	NOUN
fsr-3232	124	49	non	non	ADJ
fsr-3232	124	50	-	-	ADJ
fsr-3232	124	51	white	white	ADJ
fsr-3232	124	52	�	�	PROPN
fsr-3232	124	53	0.106	0.106	NUM
fsr-3232	124	54	�	�	PROPN
fsr-3232	124	55	1.516	1.516	NUM
fsr-3232	124	56	*	*	SYM
fsr-3232	124	57	*	*	PUNCT
fsr-3232	124	58	0.191	0.191	NUM
fsr-3232	124	59	0.305	0.305	NUM
fsr-3232	124	60	education	education	NOUN
fsr-3232	124	61	high	high	ADJ
fsr-3232	124	62	school	school	NOUN
fsr-3232	124	63	graduate	graduate	NOUN
fsr-3232	124	64	/	/	SYM
fsr-3232	124	65	ged	ge	VERB
fsr-3232	124	66	0.014	0.014	NUM
fsr-3232	124	67	�	�	NOUN
fsr-3232	124	68	0.221	0.221	NUM
fsr-3232	124	69	�	�	NOUN
fsr-3232	124	70	0.006	0.006	NUM
fsr-3232	124	71	0.653	0.653	NUM
fsr-3232	124	72	college	college	NOUN
fsr-3232	124	73	graduate	graduate	NOUN
fsr-3232	124	74	0.137	0.137	NUM
fsr-3232	124	75	�	�	NOUN
fsr-3232	124	76	1.140	1.140	NUM
fsr-3232	124	77	0.446	0.446	NUM
fsr-3232	124	78	0.594	0.594	NUM
fsr-3232	124	79	notes	note	NOUN
fsr-3232	124	80	.	.	PUNCT
fsr-3232	125	1	significant	significant	ADJ
fsr-3232	125	2	individual	individual	ADJ
fsr-3232	125	3	coefficients	coefficient	NOUN
fsr-3232	125	4	indicated	indicate	VERB
fsr-3232	125	5	by	by	ADP
fsr-3232	125	6	*	*	PUNCT
fsr-3232	125	7	p	p	X
fsr-3232	125	8	�	�	PROPN
fsr-3232	125	9	0.05	0.05	NUM
fsr-3232	125	10	.	.	PUNCT
fsr-3232	126	1	*	*	PUNCT
fsr-3232	126	2	*	*	PUNCT
fsr-3232	126	3	p	p	X
fsr-3232	126	4	�	�	PROPN
fsr-3232	126	5	0.01	0.01	NUM
fsr-3232	126	6	.	.	PUNCT
fsr-3232	127	1	*	*	PUNCT
fsr-3232	127	2	*	*	PUNCT
fsr-3232	127	3	*	*	PUNCT
fsr-3232	127	4	p	p	X
fsr-3232	127	5	�	�	PROPN
fsr-3232	127	6	0.001	0.001	NUM
fsr-3232	127	7	.	.	PUNCT
fsr-3232	128	1	bold	bold	ADJ
fsr-3232	128	2	coefficients	coefficient	NOUN
fsr-3232	128	3	represent	represent	VERB
fsr-3232	128	4	a	a	DET
fsr-3232	128	5	difference	difference	NOUN
fsr-3232	128	6	between	between	ADP
fsr-3232	128	7	men	man	NOUN
fsr-3232	128	8	and	and	CCONJ
fsr-3232	128	9	women	woman	NOUN
fsr-3232	128	10	at	at	ADP
fsr-3232	128	11	a	a	DET
fsr-3232	128	12	0.10	0.10	NUM
fsr-3232	128	13	significance	significance	NOUN
fsr-3232	128	14	level	level	NOUN
fsr-3232	128	15	.	.	PUNCT
fsr-3232	129	1	7p.j	7p.j	X
fsr-3232	129	2	.	.	PUNCT
fsr-3232	130	1	fisher	fisher	PROPN
fsr-3232	130	2	et	et	PROPN
fsr-3232	130	3	al	al	PROPN
fsr-3232	130	4	.	.	PUNCT
fsr-3232	130	5	/	/	SYM
fsr-3232	130	6	financial	financial	ADJ
fsr-3232	130	7	services	service	NOUN
fsr-3232	130	8	review	review	VERB
fsr-3232	130	9	24	24	NUM
fsr-3232	130	10	(	(	PUNCT
fsr-3232	130	11	2015	2015	NUM
fsr-3232	130	12	)	)	PUNCT
fsr-3232	130	13	1–13	1–13	NOUN
fsr-3232	130	14	of	of	ADP
fsr-3232	130	15	women	woman	NOUN
fsr-3232	130	16	in	in	ADP
fsr-3232	130	17	the	the	DET
fsr-3232	130	18	nc1172	nc1172	NOUN
fsr-3232	130	19	sample	sample	NOUN
fsr-3232	130	20	report	report	NOUN
fsr-3232	130	21	a	a	DET
fsr-3232	130	22	long	long	ADJ
fsr-3232	130	23	saving	saving	NOUN
fsr-3232	130	24	horizon	horizon	NOUN
fsr-3232	130	25	whereas	whereas	SCONJ
fsr-3232	130	26	a	a	DET
fsr-3232	130	27	greater	great	ADJ
fsr-3232	130	28	proportion	proportion	NOUN
fsr-3232	130	29	of	of	ADP
fsr-3232	130	30	men	man	NOUN
fsr-3232	130	31	in	in	ADP
fsr-3232	130	32	the	the	DET
fsr-3232	130	33	scf	scf	PROPN
fsr-3232	130	34	sample	sample	NOUN
fsr-3232	130	35	report	report	NOUN
fsr-3232	130	36	a	a	DET
fsr-3232	130	37	long	long	ADJ
fsr-3232	130	38	saving	saving	NOUN
fsr-3232	130	39	horizon	horizon	NOUN
fsr-3232	130	40	,	,	PUNCT
fsr-3232	130	41	although	although	SCONJ
fsr-3232	130	42	the	the	DET
fsr-3232	130	43	gender	gender	NOUN
fsr-3232	130	44	difference	difference	NOUN
fsr-3232	130	45	in	in	ADP
fsr-3232	130	46	long	long	ADJ
fsr-3232	130	47	saving	saving	NOUN
fsr-3232	130	48	horizon	horizon	NOUN
fsr-3232	130	49	is	be	AUX
fsr-3232	130	50	only	only	ADV
fsr-3232	130	51	significant	significant	ADJ
fsr-3232	130	52	in	in	ADP
fsr-3232	130	53	the	the	DET
fsr-3232	130	54	scf	scf	PROPN
fsr-3232	130	55	sample	sample	NOUN
fsr-3232	130	56	.	.	PUNCT
fsr-3232	131	1	in	in	ADP
fsr-3232	131	2	the	the	DET
fsr-3232	131	3	nc1172	nc1172	PROPN
fsr-3232	131	4	sample	sample	NOUN
fsr-3232	131	5	,	,	PUNCT
fsr-3232	131	6	a	a	DET
fsr-3232	131	7	significantly	significantly	ADV
fsr-3232	131	8	greater	great	ADJ
fsr-3232	131	9	proportion	proportion	NOUN
fsr-3232	131	10	of	of	ADP
fsr-3232	131	11	men	man	NOUN
fsr-3232	131	12	report	report	VERB
fsr-3232	131	13	poor	poor	ADJ
fsr-3232	131	14	health	health	NOUN
fsr-3232	131	15	,	,	PUNCT
fsr-3232	131	16	whereas	whereas	SCONJ
fsr-3232	131	17	in	in	ADP
fsr-3232	131	18	the	the	DET
fsr-3232	131	19	scf	scf	PROPN
fsr-3232	131	20	sample	sample	NOUN
fsr-3232	131	21	,	,	PUNCT
fsr-3232	131	22	for	for	ADP
fsr-3232	131	23	which	which	PRON
fsr-3232	131	24	the	the	DET
fsr-3232	131	25	mean	mean	ADJ
fsr-3232	131	26	age	age	NOUN
fsr-3232	131	27	of	of	ADP
fsr-3232	131	28	women	woman	NOUN
fsr-3232	131	29	is	be	AUX
fsr-3232	131	30	highest	high	ADJ
fsr-3232	131	31	,	,	PUNCT
fsr-3232	131	32	the	the	DET
fsr-3232	131	33	reverse	reverse	NOUN
fsr-3232	131	34	is	be	AUX
fsr-3232	131	35	true	true	ADJ
fsr-3232	131	36	.	.	PUNCT
fsr-3232	132	1	the	the	DET
fsr-3232	132	2	racial	racial	ADJ
fsr-3232	132	3	distribution	distribution	NOUN
fsr-3232	132	4	for	for	ADP
fsr-3232	132	5	men	man	NOUN
fsr-3232	132	6	and	and	CCONJ
fsr-3232	132	7	women	woman	NOUN
fsr-3232	132	8	in	in	ADP
fsr-3232	132	9	the	the	DET
fsr-3232	132	10	nc1172	nc1172	NOUN
fsr-3232	132	11	sample	sample	NOUN
fsr-3232	132	12	is	be	AUX
fsr-3232	132	13	similar	similar	ADJ
fsr-3232	132	14	.	.	PUNCT
fsr-3232	133	1	in	in	ADP
fsr-3232	133	2	the	the	DET
fsr-3232	133	3	scf	scf	PROPN
fsr-3232	133	4	sample	sample	NOUN
fsr-3232	133	5	,	,	PUNCT
fsr-3232	133	6	a	a	DET
fsr-3232	133	7	significantly	significantly	ADV
fsr-3232	133	8	higher	high	ADJ
fsr-3232	133	9	proportion	proportion	NOUN
fsr-3232	133	10	of	of	ADP
fsr-3232	133	11	men	man	NOUN
fsr-3232	133	12	are	be	AUX
fsr-3232	133	13	white	white	ADJ
fsr-3232	133	14	.	.	PUNCT
fsr-3232	134	1	in	in	ADP
fsr-3232	134	2	the	the	DET
fsr-3232	134	3	nc1172	nc1172	PROPN
fsr-3232	134	4	sample	sample	NOUN
fsr-3232	134	5	,	,	PUNCT
fsr-3232	134	6	a	a	DET
fsr-3232	134	7	similar	similar	ADJ
fsr-3232	134	8	proportion	proportion	NOUN
fsr-3232	134	9	of	of	ADP
fsr-3232	134	10	men	man	NOUN
fsr-3232	134	11	and	and	CCONJ
fsr-3232	134	12	women	woman	NOUN
fsr-3232	134	13	report	report	VERB
fsr-3232	134	14	other	other	ADJ
fsr-3232	134	15	(	(	PUNCT
fsr-3232	134	16	non	non	ADJ
fsr-3232	134	17	-	-	ADJ
fsr-3232	134	18	spouse	spouse	ADJ
fsr-3232	134	19	/	/	SYM
fsr-3232	134	20	partner	partner	NOUN
fsr-3232	134	21	)	)	PUNCT
fsr-3232	134	22	household	household	NOUN
fsr-3232	134	23	members	member	NOUN
fsr-3232	134	24	,	,	PUNCT
fsr-3232	134	25	whereas	whereas	SCONJ
fsr-3232	134	26	in	in	ADP
fsr-3232	134	27	the	the	DET
fsr-3232	134	28	scf	scf	PROPN
fsr-3232	134	29	sample	sample	NOUN
fsr-3232	134	30	women	woman	NOUN
fsr-3232	134	31	have	have	VERB
fsr-3232	134	32	significantly	significantly	ADV
fsr-3232	134	33	higher	high	ADJ
fsr-3232	134	34	proportions	proportion	NOUN
fsr-3232	134	35	of	of	ADP
fsr-3232	134	36	additional	additional	ADJ
fsr-3232	134	37	household	household	NOUN
fsr-3232	134	38	members	member	NOUN
fsr-3232	134	39	(	(	PUNCT
fsr-3232	134	40	47	47	NUM
fsr-3232	134	41	%	%	NOUN
fsr-3232	134	42	of	of	ADP
fsr-3232	134	43	women	woman	NOUN
fsr-3232	134	44	vs.	vs.	ADP
fsr-3232	134	45	29	29	NUM
fsr-3232	134	46	%	%	NOUN
fsr-3232	134	47	of	of	ADP
fsr-3232	134	48	men	man	NOUN
fsr-3232	134	49	)	)	PUNCT
fsr-3232	134	50	.	.	PUNCT
fsr-3232	135	1	the	the	DET
fsr-3232	135	2	proportion	proportion	NOUN
fsr-3232	135	3	of	of	ADP
fsr-3232	135	4	men	man	NOUN
fsr-3232	135	5	and	and	CCONJ
fsr-3232	135	6	women	woman	NOUN
fsr-3232	135	7	who	who	PRON
fsr-3232	135	8	are	be	AUX
fsr-3232	135	9	retired	retire	VERB
fsr-3232	135	10	is	be	AUX
fsr-3232	135	11	similar	similar	ADJ
fsr-3232	135	12	in	in	ADP
fsr-3232	135	13	the	the	DET
fsr-3232	135	14	nc1172	nc1172	NOUN
fsr-3232	135	15	sample	sample	NOUN
fsr-3232	135	16	,	,	PUNCT
fsr-3232	135	17	but	but	CCONJ
fsr-3232	135	18	a	a	DET
fsr-3232	135	19	significantly	significantly	ADV
fsr-3232	135	20	higher	high	ADJ
fsr-3232	135	21	proportion	proportion	NOUN
fsr-3232	135	22	of	of	ADP
fsr-3232	135	23	women	woman	NOUN
fsr-3232	135	24	than	than	SCONJ
fsr-3232	135	25	men	man	NOUN
fsr-3232	135	26	are	be	AUX
fsr-3232	135	27	retired	retire	VERB
fsr-3232	135	28	in	in	ADP
fsr-3232	135	29	the	the	DET
fsr-3232	135	30	scf	scf	PROPN
fsr-3232	135	31	sample	sample	NOUN
fsr-3232	135	32	,	,	PUNCT
fsr-3232	135	33	which	which	PRON
fsr-3232	135	34	is	be	AUX
fsr-3232	135	35	consistent	consistent	ADJ
fsr-3232	135	36	with	with	ADP
fsr-3232	135	37	the	the	DET
fsr-3232	135	38	higher	high	ADJ
fsr-3232	135	39	age	age	NOUN
fsr-3232	135	40	of	of	ADP
fsr-3232	135	41	women	woman	NOUN
fsr-3232	135	42	in	in	ADP
fsr-3232	135	43	the	the	DET
fsr-3232	135	44	scf	scf	PROPN
fsr-3232	135	45	.	.	PUNCT
fsr-3232	136	1	a	a	DET
fsr-3232	136	2	significantly	significantly	ADV
fsr-3232	136	3	greater	great	ADJ
fsr-3232	136	4	proportion	proportion	NOUN
fsr-3232	136	5	of	of	ADP
fsr-3232	136	6	men	man	NOUN
fsr-3232	136	7	than	than	ADP
fsr-3232	136	8	women	woman	NOUN
fsr-3232	136	9	have	have	VERB
fsr-3232	136	10	less	less	ADJ
fsr-3232	136	11	than	than	ADP
fsr-3232	136	12	a	a	DET
fsr-3232	136	13	high	high	ADJ
fsr-3232	136	14	school	school	NOUN
fsr-3232	136	15	education	education	NOUN
fsr-3232	136	16	in	in	ADP
fsr-3232	136	17	the	the	DET
fsr-3232	136	18	nc1172	nc1172	NOUN
fsr-3232	136	19	sample	sample	NOUN
fsr-3232	136	20	.	.	PUNCT
fsr-3232	137	1	in	in	ADP
fsr-3232	137	2	the	the	DET
fsr-3232	137	3	scf	scf	PROPN
fsr-3232	137	4	sample	sample	NOUN
fsr-3232	137	5	,	,	PUNCT
fsr-3232	137	6	a	a	DET
fsr-3232	137	7	significantly	significantly	ADV
fsr-3232	137	8	greater	great	ADJ
fsr-3232	137	9	proportion	proportion	NOUN
fsr-3232	137	10	of	of	ADP
fsr-3232	137	11	men	man	NOUN
fsr-3232	137	12	than	than	ADP
fsr-3232	137	13	women	woman	NOUN
fsr-3232	137	14	completed	complete	VERB
fsr-3232	137	15	college	college	NOUN
fsr-3232	137	16	.	.	PUNCT
fsr-3232	138	1	5.2	5.2	NUM
fsr-3232	138	2	.	.	PUNCT
fsr-3232	139	1	logistic	logistic	ADJ
fsr-3232	139	2	regression	regression	NOUN
fsr-3232	139	3	results	result	NOUN
fsr-3232	139	4	we	we	PRON
fsr-3232	139	5	first	first	ADV
fsr-3232	139	6	estimate	estimate	VERB
fsr-3232	139	7	the	the	DET
fsr-3232	139	8	models	model	NOUN
fsr-3232	139	9	separately	separately	ADV
fsr-3232	139	10	for	for	ADP
fsr-3232	139	11	men	man	NOUN
fsr-3232	139	12	and	and	CCONJ
fsr-3232	139	13	women	woman	NOUN
fsr-3232	139	14	for	for	ADP
fsr-3232	139	15	each	each	DET
fsr-3232	139	16	sample	sample	NOUN
fsr-3232	139	17	.	.	PUNCT
fsr-3232	140	1	to	to	PART
fsr-3232	140	2	investigate	investigate	VERB
fsr-3232	140	3	gender	gender	NOUN
fsr-3232	140	4	differences	difference	NOUN
fsr-3232	140	5	in	in	ADP
fsr-3232	140	6	being	be	AUX
fsr-3232	140	7	a	a	DET
fsr-3232	140	8	saver	saver	NOUN
fsr-3232	140	9	,	,	PUNCT
fsr-3232	140	10	we	we	PRON
fsr-3232	140	11	estimate	estimate	VERB
fsr-3232	140	12	interaction	interaction	NOUN
fsr-3232	140	13	models	model	NOUN
fsr-3232	140	14	using	use	VERB
fsr-3232	140	15	the	the	DET
fsr-3232	140	16	total	total	ADJ
fsr-3232	140	17	sample	sample	NOUN
fsr-3232	140	18	of	of	ADP
fsr-3232	140	19	men	man	NOUN
fsr-3232	140	20	and	and	CCONJ
fsr-3232	140	21	women	woman	NOUN
fsr-3232	140	22	(	(	PUNCT
fsr-3232	140	23	separately	separately	ADV
fsr-3232	140	24	for	for	ADP
fsr-3232	140	25	the	the	DET
fsr-3232	140	26	nc1172	nc1172	PROPN
fsr-3232	140	27	and	and	CCONJ
fsr-3232	140	28	scf	scf	PROPN
fsr-3232	140	29	samples	sample	NOUN
fsr-3232	140	30	)	)	PUNCT
fsr-3232	140	31	with	with	ADP
fsr-3232	140	32	each	each	DET
fsr-3232	140	33	independent	independent	ADJ
fsr-3232	140	34	variable	variable	NOUN
fsr-3232	140	35	in	in	ADP
fsr-3232	140	36	the	the	DET
fsr-3232	140	37	model	model	NOUN
fsr-3232	140	38	interacting	interact	VERB
fsr-3232	140	39	with	with	ADP
fsr-3232	140	40	gender	gender	NOUN
fsr-3232	140	41	along	along	ADP
fsr-3232	140	42	with	with	ADP
fsr-3232	140	43	each	each	PRON
fsr-3232	140	44	of	of	ADP
fsr-3232	140	45	the	the	DET
fsr-3232	140	46	noninteracting	noninteracte	VERB
fsr-3232	140	47	independent	independent	ADJ
fsr-3232	140	48	variables	variable	NOUN
fsr-3232	140	49	and	and	CCONJ
fsr-3232	140	50	the	the	DET
fsr-3232	140	51	gender	gender	NOUN
fsr-3232	140	52	dummy	dummy	ADJ
fsr-3232	140	53	variable	variable	NOUN
fsr-3232	140	54	.	.	PUNCT
fsr-3232	141	1	by	by	ADP
fsr-3232	141	2	examining	examine	VERB
fsr-3232	141	3	the	the	DET
fsr-3232	141	4	interacted	interact	VERB
fsr-3232	141	5	variables	variable	NOUN
fsr-3232	141	6	in	in	ADP
fsr-3232	141	7	the	the	DET
fsr-3232	141	8	interaction	interaction	NOUN
fsr-3232	141	9	model	model	NOUN
fsr-3232	141	10	that	that	PRON
fsr-3232	141	11	are	be	AUX
fsr-3232	141	12	significant	significant	ADJ
fsr-3232	141	13	,	,	PUNCT
fsr-3232	141	14	we	we	PRON
fsr-3232	141	15	can	can	AUX
fsr-3232	141	16	find	find	VERB
fsr-3232	141	17	significant	significant	ADJ
fsr-3232	141	18	differences	difference	NOUN
fsr-3232	141	19	between	between	ADP
fsr-3232	141	20	men	man	NOUN
fsr-3232	141	21	and	and	CCONJ
fsr-3232	141	22	women	woman	NOUN
fsr-3232	141	23	in	in	ADP
fsr-3232	141	24	individual	individual	ADJ
fsr-3232	141	25	parameters	parameter	NOUN
fsr-3232	141	26	.	.	PUNCT
fsr-3232	142	1	in	in	ADP
fsr-3232	142	2	addition	addition	NOUN
fsr-3232	142	3	,	,	PUNCT
fsr-3232	142	4	a	a	DET
fsr-3232	142	5	likelihood	likelihood	NOUN
fsr-3232	142	6	ratio	ratio	NOUN
fsr-3232	142	7	test	test	NOUN
fsr-3232	142	8	is	be	AUX
fsr-3232	142	9	used	use	VERB
fsr-3232	142	10	to	to	PART
fsr-3232	142	11	investigate	investigate	VERB
fsr-3232	142	12	whether	whether	SCONJ
fsr-3232	142	13	including	include	VERB
fsr-3232	142	14	the	the	DET
fsr-3232	142	15	gender	gender	NOUN
fsr-3232	142	16	dummy	dummy	NOUN
fsr-3232	142	17	and	and	CCONJ
fsr-3232	142	18	interaction	interaction	NOUN
fsr-3232	142	19	terms	term	NOUN
fsr-3232	142	20	improves	improve	VERB
fsr-3232	142	21	the	the	DET
fsr-3232	142	22	model	model	NOUN
fsr-3232	142	23	fit	fit	ADJ
fsr-3232	142	24	as	as	SCONJ
fsr-3232	142	25	compared	compare	VERB
fsr-3232	142	26	with	with	ADP
fsr-3232	142	27	the	the	DET
fsr-3232	142	28	non	non	ADJ
fsr-3232	142	29	-	-	ADJ
fsr-3232	142	30	interacted	interacted	ADJ
fsr-3232	142	31	model	model	NOUN
fsr-3232	142	32	.	.	PUNCT
fsr-3232	143	1	for	for	ADP
fsr-3232	143	2	more	more	ADJ
fsr-3232	143	3	information	information	NOUN
fsr-3232	143	4	on	on	ADP
fsr-3232	143	5	these	these	DET
fsr-3232	143	6	procedures	procedure	NOUN
fsr-3232	143	7	,	,	PUNCT
fsr-3232	143	8	see	see	VERB
fsr-3232	143	9	maddala	maddala	NOUN
fsr-3232	143	10	(	(	PUNCT
fsr-3232	143	11	1992	1992	NUM
fsr-3232	143	12	)	)	PUNCT
fsr-3232	143	13	.	.	PUNCT
fsr-3232	144	1	for	for	ADP
fsr-3232	144	2	the	the	DET
fsr-3232	144	3	nc1172	nc1172	PROPN
fsr-3232	144	4	sample	sample	NOUN
fsr-3232	144	5	,	,	PUNCT
fsr-3232	144	6	the	the	DET
fsr-3232	144	7	results	result	NOUN
fsr-3232	144	8	of	of	ADP
fsr-3232	144	9	the	the	DET
fsr-3232	144	10	interaction	interaction	NOUN
fsr-3232	144	11	model	model	NOUN
fsr-3232	144	12	indicate	indicate	VERB
fsr-3232	144	13	a	a	DET
fsr-3232	144	14	significant	significant	ADJ
fsr-3232	144	15	difference	difference	NOUN
fsr-3232	144	16	in	in	ADP
fsr-3232	144	17	saving	save	VERB
fsr-3232	144	18	behaviors	behavior	NOUN
fsr-3232	144	19	between	between	ADP
fsr-3232	144	20	men	man	NOUN
fsr-3232	144	21	and	and	CCONJ
fsr-3232	144	22	women	woman	NOUN
fsr-3232	144	23	(	(	PUNCT
fsr-3232	144	24	p	p	X
fsr-3232	144	25	�	�	PROPN
fsr-3232	144	26	0.01	0.01	NUM
fsr-3232	144	27	in	in	ADP
fsr-3232	144	28	the	the	DET
fsr-3232	144	29	likelihood	likelihood	NOUN
fsr-3232	144	30	ratio	ratio	NOUN
fsr-3232	144	31	test	test	NOUN
fsr-3232	144	32	)	)	PUNCT
fsr-3232	144	33	.	.	PUNCT
fsr-3232	145	1	two	two	NUM
fsr-3232	145	2	variables	variable	NOUN
fsr-3232	145	3	differ	differ	VERB
fsr-3232	145	4	significantly	significantly	ADV
fsr-3232	145	5	for	for	ADP
fsr-3232	145	6	men	man	NOUN
fsr-3232	145	7	and	and	CCONJ
fsr-3232	145	8	women	woman	NOUN
fsr-3232	145	9	in	in	ADP
fsr-3232	145	10	the	the	DET
fsr-3232	145	11	model	model	NOUN
fsr-3232	145	12	:	:	PUNCT
fsr-3232	145	13	high	high	ADJ
fsr-3232	145	14	-	-	PUNCT
fsr-3232	145	15	risk	risk	NOUN
fsr-3232	145	16	tolerance	tolerance	NOUN
fsr-3232	145	17	and	and	CCONJ
fsr-3232	145	18	being	be	AUX
fsr-3232	145	19	non	non	ADJ
fsr-3232	145	20	-	-	ADJ
fsr-3232	145	21	white	white	ADJ
fsr-3232	145	22	.	.	PUNCT
fsr-3232	146	1	for	for	ADP
fsr-3232	146	2	men	man	NOUN
fsr-3232	146	3	,	,	PUNCT
fsr-3232	146	4	high	high	ADJ
fsr-3232	146	5	risk	risk	NOUN
fsr-3232	146	6	tolerance	tolerance	NOUN
fsr-3232	146	7	is	be	AUX
fsr-3232	146	8	associated	associate	VERB
fsr-3232	146	9	with	with	ADP
fsr-3232	146	10	a	a	DET
fsr-3232	146	11	significantly	significantly	ADV
fsr-3232	146	12	higher	high	ADJ
fsr-3232	146	13	likelihood	likelihood	NOUN
fsr-3232	146	14	of	of	ADP
fsr-3232	146	15	saving	saving	NOUN
fsr-3232	146	16	,	,	PUNCT
fsr-3232	146	17	whereas	whereas	SCONJ
fsr-3232	146	18	no	no	DET
fsr-3232	146	19	significant	significant	ADJ
fsr-3232	146	20	effect	effect	NOUN
fsr-3232	146	21	exists	exist	VERB
fsr-3232	146	22	for	for	ADP
fsr-3232	146	23	women	woman	NOUN
fsr-3232	146	24	.	.	PUNCT
fsr-3232	147	1	being	be	AUX
fsr-3232	147	2	non	non	ADJ
fsr-3232	147	3	-	-	ADJ
fsr-3232	147	4	white	white	ADJ
fsr-3232	147	5	is	be	AUX
fsr-3232	147	6	associated	associate	VERB
fsr-3232	147	7	with	with	ADP
fsr-3232	147	8	a	a	DET
fsr-3232	147	9	significantly	significantly	ADV
fsr-3232	147	10	lower	low	ADJ
fsr-3232	147	11	likelihood	likelihood	NOUN
fsr-3232	147	12	of	of	ADP
fsr-3232	147	13	being	be	AUX
fsr-3232	147	14	a	a	DET
fsr-3232	147	15	saver	saver	NOUN
fsr-3232	147	16	for	for	ADP
fsr-3232	147	17	men	man	NOUN
fsr-3232	147	18	,	,	PUNCT
fsr-3232	147	19	but	but	CCONJ
fsr-3232	147	20	is	be	AUX
fsr-3232	147	21	not	not	PART
fsr-3232	147	22	significant	significant	ADJ
fsr-3232	147	23	for	for	ADP
fsr-3232	147	24	women	woman	NOUN
fsr-3232	147	25	.	.	PUNCT
fsr-3232	148	1	though	though	SCONJ
fsr-3232	148	2	not	not	PART
fsr-3232	148	3	statistically	statistically	ADV
fsr-3232	148	4	different	different	ADJ
fsr-3232	148	5	for	for	ADP
fsr-3232	148	6	men	man	NOUN
fsr-3232	148	7	and	and	CCONJ
fsr-3232	148	8	women	woman	NOUN
fsr-3232	148	9	,	,	PUNCT
fsr-3232	148	10	medium	medium	ADJ
fsr-3232	148	11	saving	save	VERB
fsr-3232	148	12	horizon	horizon	NOUN
fsr-3232	148	13	has	have	VERB
fsr-3232	148	14	a	a	DET
fsr-3232	148	15	positive	positive	ADJ
fsr-3232	148	16	effect	effect	NOUN
fsr-3232	148	17	on	on	ADP
fsr-3232	148	18	the	the	DET
fsr-3232	148	19	likelihood	likelihood	NOUN
fsr-3232	148	20	of	of	ADP
fsr-3232	148	21	saving	save	VERB
fsr-3232	148	22	for	for	ADP
fsr-3232	148	23	women	woman	NOUN
fsr-3232	148	24	but	but	CCONJ
fsr-3232	148	25	not	not	PART
fsr-3232	148	26	men	man	NOUN
fsr-3232	148	27	,	,	PUNCT
fsr-3232	148	28	whereas	whereas	SCONJ
fsr-3232	148	29	income	income	NOUN
fsr-3232	148	30	uncertainty	uncertainty	NOUN
fsr-3232	148	31	is	be	AUX
fsr-3232	148	32	associated	associate	VERB
fsr-3232	148	33	with	with	ADP
fsr-3232	148	34	a	a	DET
fsr-3232	148	35	lower	low	ADJ
fsr-3232	148	36	likelihood	likelihood	NOUN
fsr-3232	148	37	of	of	ADP
fsr-3232	148	38	being	be	AUX
fsr-3232	148	39	a	a	DET
fsr-3232	148	40	saver	saver	NOUN
fsr-3232	148	41	for	for	ADP
fsr-3232	148	42	men	man	NOUN
fsr-3232	148	43	but	but	CCONJ
fsr-3232	148	44	not	not	PART
fsr-3232	148	45	women	woman	NOUN
fsr-3232	148	46	.	.	PUNCT
fsr-3232	149	1	we	we	PRON
fsr-3232	149	2	also	also	ADV
fsr-3232	149	3	find	find	VERB
fsr-3232	149	4	evidence	evidence	NOUN
fsr-3232	149	5	of	of	ADP
fsr-3232	149	6	a	a	DET
fsr-3232	149	7	significant	significant	ADJ
fsr-3232	149	8	gender	gender	NOUN
fsr-3232	149	9	difference	difference	NOUN
fsr-3232	149	10	in	in	ADP
fsr-3232	149	11	being	be	AUX
fsr-3232	149	12	a	a	DET
fsr-3232	149	13	saver	saver	NOUN
fsr-3232	149	14	in	in	ADP
fsr-3232	149	15	the	the	DET
fsr-3232	149	16	scf	scf	PROPN
fsr-3232	149	17	sample	sample	NOUN
fsr-3232	149	18	(	(	PUNCT
fsr-3232	149	19	p	p	X
fsr-3232	149	20	�	�	PROPN
fsr-3232	149	21	0.001	0.001	NUM
fsr-3232	149	22	in	in	ADP
fsr-3232	149	23	the	the	DET
fsr-3232	149	24	likelihood	likelihood	NOUN
fsr-3232	149	25	ratio	ratio	NOUN
fsr-3232	149	26	test	test	NOUN
fsr-3232	149	27	)	)	PUNCT
fsr-3232	149	28	.	.	PUNCT
fsr-3232	150	1	the	the	DET
fsr-3232	150	2	effect	effect	NOUN
fsr-3232	150	3	of	of	ADP
fsr-3232	150	4	having	have	VERB
fsr-3232	150	5	other	other	ADJ
fsr-3232	150	6	household	household	NOUN
fsr-3232	150	7	members	member	NOUN
fsr-3232	150	8	present	present	ADJ
fsr-3232	150	9	differs	differ	VERB
fsr-3232	150	10	significantly	significantly	ADV
fsr-3232	150	11	for	for	ADP
fsr-3232	150	12	men	man	NOUN
fsr-3232	150	13	and	and	CCONJ
fsr-3232	150	14	women	woman	NOUN
fsr-3232	150	15	.	.	PUNCT
fsr-3232	151	1	having	have	VERB
fsr-3232	151	2	other	other	ADJ
fsr-3232	151	3	household	household	NOUN
fsr-3232	151	4	members	member	NOUN
fsr-3232	151	5	present	present	ADJ
fsr-3232	151	6	is	be	AUX
fsr-3232	151	7	associated	associate	VERB
fsr-3232	151	8	with	with	ADP
fsr-3232	151	9	a	a	DET
fsr-3232	151	10	significantly	significantly	ADV
fsr-3232	151	11	lower	low	ADJ
fsr-3232	151	12	likelihood	likelihood	NOUN
fsr-3232	151	13	of	of	ADP
fsr-3232	151	14	saving	save	VERB
fsr-3232	151	15	for	for	ADP
fsr-3232	151	16	women	woman	NOUN
fsr-3232	151	17	,	,	PUNCT
fsr-3232	151	18	but	but	CCONJ
fsr-3232	151	19	the	the	DET
fsr-3232	151	20	variable	variable	NOUN
fsr-3232	151	21	is	be	AUX
fsr-3232	151	22	not	not	PART
fsr-3232	151	23	significant	significant	ADJ
fsr-3232	151	24	for	for	ADP
fsr-3232	151	25	men	man	NOUN
fsr-3232	151	26	.	.	PUNCT
fsr-3232	152	1	income	income	NOUN
fsr-3232	152	2	and	and	CCONJ
fsr-3232	152	3	a	a	DET
fsr-3232	152	4	long	long	ADJ
fsr-3232	152	5	saving	saving	NOUN
fsr-3232	152	6	horizon	horizon	NOUN
fsr-3232	152	7	are	be	AUX
fsr-3232	152	8	significantly	significantly	ADV
fsr-3232	152	9	and	and	CCONJ
fsr-3232	152	10	positively	positively	ADV
fsr-3232	152	11	related	relate	VERB
fsr-3232	152	12	with	with	ADP
fsr-3232	152	13	the	the	DET
fsr-3232	152	14	likelihood	likelihood	NOUN
fsr-3232	152	15	of	of	ADP
fsr-3232	152	16	being	be	AUX
fsr-3232	152	17	a	a	DET
fsr-3232	152	18	saver	saver	NOUN
fsr-3232	152	19	for	for	ADP
fsr-3232	152	20	both	both	DET
fsr-3232	152	21	women	woman	NOUN
fsr-3232	152	22	and	and	CCONJ
fsr-3232	152	23	men	man	NOUN
fsr-3232	152	24	.	.	PUNCT
fsr-3232	153	1	medium	medium	ADJ
fsr-3232	153	2	saving	save	VERB
fsr-3232	153	3	horizon	horizon	NOUN
fsr-3232	153	4	is	be	AUX
fsr-3232	153	5	significantly	significantly	ADV
fsr-3232	153	6	and	and	CCONJ
fsr-3232	153	7	positively	positively	ADV
fsr-3232	153	8	related	relate	VERB
fsr-3232	153	9	with	with	ADP
fsr-3232	153	10	being	be	AUX
fsr-3232	153	11	a	a	DET
fsr-3232	153	12	saver	saver	NOUN
fsr-3232	153	13	for	for	ADP
fsr-3232	153	14	women	woman	NOUN
fsr-3232	153	15	but	but	CCONJ
fsr-3232	154	1	not	not	PART
fsr-3232	154	2	8	8	NUM
fsr-3232	154	3	p.j	p.j	PROPN
fsr-3232	154	4	.	.	PROPN
fsr-3232	154	5	fisher	fisher	PROPN
fsr-3232	154	6	et	et	PROPN
fsr-3232	154	7	al	al	PROPN
fsr-3232	154	8	.	.	PUNCT
fsr-3232	154	9	/	/	SYM
fsr-3232	154	10	financial	financial	ADJ
fsr-3232	154	11	services	service	NOUN
fsr-3232	154	12	review	review	VERB
fsr-3232	154	13	24	24	NUM
fsr-3232	154	14	(	(	PUNCT
fsr-3232	154	15	2015	2015	NUM
fsr-3232	154	16	)	)	PUNCT
fsr-3232	154	17	1–13	1–13	NOUN
fsr-3232	154	18	men	man	NOUN
fsr-3232	154	19	.	.	PUNCT
fsr-3232	155	1	income	income	NOUN
fsr-3232	155	2	uncertainty	uncertainty	NOUN
fsr-3232	155	3	is	be	AUX
fsr-3232	155	4	associated	associate	VERB
fsr-3232	155	5	with	with	ADP
fsr-3232	155	6	a	a	DET
fsr-3232	155	7	significantly	significantly	ADV
fsr-3232	155	8	lower	low	ADJ
fsr-3232	155	9	likelihood	likelihood	NOUN
fsr-3232	155	10	of	of	ADP
fsr-3232	155	11	being	be	AUX
fsr-3232	155	12	a	a	DET
fsr-3232	155	13	saver	saver	NOUN
fsr-3232	155	14	for	for	ADP
fsr-3232	155	15	both	both	DET
fsr-3232	155	16	women	woman	NOUN
fsr-3232	155	17	and	and	CCONJ
fsr-3232	155	18	men	man	NOUN
fsr-3232	155	19	.	.	PUNCT
fsr-3232	156	1	6	6	X
fsr-3232	156	2	.	.	X
fsr-3232	156	3	discussion	discussion	NOUN
fsr-3232	156	4	and	and	CCONJ
fsr-3232	156	5	implications	implication	NOUN
fsr-3232	156	6	we	we	PRON
fsr-3232	156	7	investigated	investigate	VERB
fsr-3232	156	8	the	the	DET
fsr-3232	156	9	relationship	relationship	NOUN
fsr-3232	156	10	between	between	ADP
fsr-3232	156	11	gender	gender	NOUN
fsr-3232	156	12	and	and	CCONJ
fsr-3232	156	13	saving	saving	NOUN
fsr-3232	156	14	behaviors	behavior	NOUN
fsr-3232	156	15	among	among	ADP
fsr-3232	156	16	lowto	lowto	NOUN
fsr-3232	156	17	moderate	moderate	ADJ
fsr-3232	156	18	-	-	PUNCT
fsr-3232	156	19	income	income	NOUN
fsr-3232	156	20	households	household	NOUN
fsr-3232	156	21	utilizing	utilize	VERB
fsr-3232	156	22	two	two	NUM
fsr-3232	156	23	data	datum	NOUN
fsr-3232	156	24	sets	set	NOUN
fsr-3232	156	25	.	.	PUNCT
fsr-3232	157	1	the	the	DET
fsr-3232	157	2	scf	scf	PROPN
fsr-3232	157	3	oversamples	oversample	VERB
fsr-3232	157	4	wealthy	wealthy	ADJ
fsr-3232	157	5	households	household	NOUN
fsr-3232	157	6	,	,	PUNCT
fsr-3232	157	7	whereas	whereas	SCONJ
fsr-3232	157	8	the	the	DET
fsr-3232	157	9	nc1172	nc1172	NOUN
fsr-3232	157	10	sample	sample	NOUN
fsr-3232	157	11	is	be	AUX
fsr-3232	157	12	limited	limit	VERB
fsr-3232	157	13	to	to	ADP
fsr-3232	157	14	lowto	lowto	VERB
fsr-3232	157	15	moderate	moderate	ADJ
fsr-3232	157	16	-	-	PUNCT
fsr-3232	157	17	income	income	NOUN
fsr-3232	157	18	households	household	NOUN
fsr-3232	157	19	.	.	PUNCT
fsr-3232	158	1	thus	thus	ADV
fsr-3232	158	2	,	,	PUNCT
fsr-3232	158	3	we	we	PRON
fsr-3232	158	4	limited	limit	VERB
fsr-3232	158	5	the	the	DET
fsr-3232	158	6	scf	scf	PROPN
fsr-3232	158	7	sample	sample	NOUN
fsr-3232	158	8	to	to	ADP
fsr-3232	158	9	incomes	income	NOUN
fsr-3232	158	10	of	of	ADP
fsr-3232	158	11	$	$	SYM
fsr-3232	158	12	80,000	80,000	NUM
fsr-3232	158	13	or	or	CCONJ
fsr-3232	158	14	less	less	ADJ
fsr-3232	158	15	to	to	PART
fsr-3232	158	16	be	be	AUX
fsr-3232	158	17	consistent	consistent	ADJ
fsr-3232	158	18	with	with	ADP
fsr-3232	158	19	the	the	DET
fsr-3232	158	20	nc1172	nc1172	NOUN
fsr-3232	158	21	income	income	NOUN
fsr-3232	158	22	limits	limit	NOUN
fsr-3232	158	23	and	and	CCONJ
fsr-3232	158	24	our	our	PRON
fsr-3232	158	25	focus	focus	NOUN
fsr-3232	158	26	on	on	ADP
fsr-3232	158	27	lowto	lowto	NOUN
fsr-3232	158	28	moderate	moderate	ADJ
fsr-3232	158	29	-	-	PUNCT
fsr-3232	158	30	income	income	NOUN
fsr-3232	158	31	singles	single	NOUN
fsr-3232	158	32	.	.	PUNCT
fsr-3232	159	1	note	note	NOUN
fsr-3232	159	2	,	,	PUNCT
fsr-3232	159	3	however	however	ADV
fsr-3232	159	4	,	,	PUNCT
fsr-3232	159	5	that	that	SCONJ
fsr-3232	159	6	households	household	NOUN
fsr-3232	159	7	can	can	AUX
fsr-3232	159	8	have	have	VERB
fsr-3232	159	9	high	high	ADJ
fsr-3232	159	10	levels	level	NOUN
fsr-3232	159	11	of	of	ADP
fsr-3232	159	12	net	net	ADJ
fsr-3232	159	13	worth	worth	NOUN
fsr-3232	159	14	but	but	CCONJ
fsr-3232	159	15	low	low	ADJ
fsr-3232	159	16	income	income	NOUN
fsr-3232	159	17	and	and	CCONJ
fsr-3232	159	18	vice	vice	NOUN
fsr-3232	159	19	versa	versa	ADV
fsr-3232	159	20	.	.	PUNCT
fsr-3232	160	1	we	we	PRON
fsr-3232	160	2	find	find	VERB
fsr-3232	160	3	significant	significant	ADJ
fsr-3232	160	4	gender	gender	NOUN
fsr-3232	160	5	differences	difference	NOUN
fsr-3232	160	6	in	in	ADP
fsr-3232	160	7	being	be	AUX
fsr-3232	160	8	a	a	DET
fsr-3232	160	9	saver	saver	NOUN
fsr-3232	160	10	among	among	ADP
fsr-3232	160	11	lowto	lowto	NOUN
fsr-3232	160	12	moderate	moderate	ADJ
fsr-3232	160	13	-	-	PUNCT
fsr-3232	160	14	income	income	NOUN
fsr-3232	160	15	households	household	NOUN
fsr-3232	160	16	with	with	ADP
fsr-3232	160	17	both	both	CCONJ
fsr-3232	160	18	the	the	DET
fsr-3232	160	19	nc1172	nc1172	PROPN
fsr-3232	160	20	and	and	CCONJ
fsr-3232	160	21	scf	scf	PROPN
fsr-3232	160	22	samples	sample	NOUN
fsr-3232	160	23	.	.	PUNCT
fsr-3232	161	1	income	income	NOUN
fsr-3232	161	2	is	be	AUX
fsr-3232	161	3	significantly	significantly	ADV
fsr-3232	161	4	and	and	CCONJ
fsr-3232	161	5	positively	positively	ADV
fsr-3232	161	6	related	relate	VERB
fsr-3232	161	7	to	to	ADP
fsr-3232	161	8	the	the	DET
fsr-3232	161	9	likelihood	likelihood	NOUN
fsr-3232	161	10	of	of	ADP
fsr-3232	161	11	being	be	AUX
fsr-3232	161	12	a	a	DET
fsr-3232	161	13	saver	saver	NOUN
fsr-3232	161	14	for	for	ADP
fsr-3232	161	15	men	man	NOUN
fsr-3232	161	16	and	and	CCONJ
fsr-3232	161	17	women	woman	NOUN
fsr-3232	161	18	in	in	ADP
fsr-3232	161	19	both	both	DET
fsr-3232	161	20	data	datum	NOUN
fsr-3232	161	21	sets	set	NOUN
fsr-3232	161	22	,	,	PUNCT
fsr-3232	161	23	demonstrating	demonstrate	VERB
fsr-3232	161	24	the	the	DET
fsr-3232	161	25	importance	importance	NOUN
fsr-3232	161	26	of	of	ADP
fsr-3232	161	27	this	this	DET
fsr-3232	161	28	variable	variable	NOUN
fsr-3232	161	29	in	in	ADP
fsr-3232	161	30	the	the	DET
fsr-3232	161	31	saving	save	VERB
fsr-3232	161	32	behaviors	behavior	NOUN
fsr-3232	161	33	of	of	ADP
fsr-3232	161	34	lowto	lowto	VERB
fsr-3232	161	35	moderate	moderate	ADJ
fsr-3232	161	36	-	-	PUNCT
fsr-3232	161	37	income	income	NOUN
fsr-3232	161	38	households	household	NOUN
fsr-3232	161	39	who	who	PRON
fsr-3232	161	40	do	do	AUX
fsr-3232	161	41	not	not	PART
fsr-3232	161	42	have	have	VERB
fsr-3232	161	43	the	the	DET
fsr-3232	161	44	disposable	disposable	ADJ
fsr-3232	161	45	income	income	NOUN
fsr-3232	161	46	of	of	ADP
fsr-3232	161	47	those	those	PRON
fsr-3232	161	48	with	with	ADP
fsr-3232	161	49	higher	high	ADJ
fsr-3232	161	50	incomes	income	NOUN
fsr-3232	161	51	.	.	PUNCT
fsr-3232	162	1	nc1172	nc1172	NOUN
fsr-3232	162	2	men	man	NOUN
fsr-3232	162	3	with	with	ADP
fsr-3232	162	4	high	high	ADJ
fsr-3232	162	5	risk	risk	NOUN
fsr-3232	162	6	tolerance	tolerance	NOUN
fsr-3232	162	7	were	be	AUX
fsr-3232	162	8	significantly	significantly	ADV
fsr-3232	162	9	more	more	ADV
fsr-3232	162	10	likely	likely	ADJ
fsr-3232	162	11	to	to	PART
fsr-3232	162	12	be	be	AUX
fsr-3232	162	13	savers	saver	NOUN
fsr-3232	162	14	.	.	PUNCT
fsr-3232	163	1	income	income	NOUN
fsr-3232	163	2	uncertainty	uncertainty	NOUN
fsr-3232	163	3	is	be	AUX
fsr-3232	163	4	associated	associate	VERB
fsr-3232	163	5	with	with	ADP
fsr-3232	163	6	a	a	DET
fsr-3232	163	7	significantly	significantly	ADV
fsr-3232	163	8	lower	low	ADJ
fsr-3232	163	9	likelihood	likelihood	NOUN
fsr-3232	163	10	of	of	ADP
fsr-3232	163	11	being	be	AUX
fsr-3232	163	12	a	a	DET
fsr-3232	163	13	saver	saver	NOUN
fsr-3232	163	14	for	for	ADP
fsr-3232	163	15	men	man	NOUN
fsr-3232	163	16	in	in	ADP
fsr-3232	163	17	both	both	DET
fsr-3232	163	18	samples	sample	NOUN
fsr-3232	163	19	,	,	PUNCT
fsr-3232	163	20	with	with	ADP
fsr-3232	163	21	a	a	DET
fsr-3232	163	22	significantly	significantly	ADV
fsr-3232	163	23	negative	negative	ADJ
fsr-3232	163	24	effect	effect	NOUN
fsr-3232	163	25	on	on	ADP
fsr-3232	163	26	being	be	AUX
fsr-3232	163	27	a	a	DET
fsr-3232	163	28	saver	saver	NOUN
fsr-3232	163	29	for	for	ADP
fsr-3232	163	30	women	woman	NOUN
fsr-3232	163	31	in	in	ADP
fsr-3232	163	32	the	the	DET
fsr-3232	163	33	scf	scf	PROPN
fsr-3232	163	34	sample	sample	NOUN
fsr-3232	163	35	but	but	CCONJ
fsr-3232	163	36	not	not	PART
fsr-3232	163	37	the	the	DET
fsr-3232	163	38	nc1172	nc1172	NOUN
fsr-3232	163	39	sample	sample	NOUN
fsr-3232	163	40	.	.	PUNCT
fsr-3232	164	1	this	this	DET
fsr-3232	164	2	finding	finding	NOUN
fsr-3232	164	3	may	may	AUX
fsr-3232	164	4	be	be	AUX
fsr-3232	164	5	the	the	DET
fsr-3232	164	6	result	result	NOUN
fsr-3232	164	7	of	of	ADP
fsr-3232	164	8	the	the	DET
fsr-3232	164	9	small	small	ADJ
fsr-3232	164	10	sample	sample	NOUN
fsr-3232	164	11	size	size	NOUN
fsr-3232	164	12	in	in	ADP
fsr-3232	164	13	the	the	DET
fsr-3232	164	14	nc1172	nc1172	PROPN
fsr-3232	164	15	data	datum	NOUN
fsr-3232	164	16	set	set	VERB
fsr-3232	164	17	,	,	PUNCT
fsr-3232	164	18	and	and	CCONJ
fsr-3232	164	19	warrants	warrant	NOUN
fsr-3232	164	20	further	further	ADJ
fsr-3232	164	21	investigation	investigation	NOUN
fsr-3232	164	22	.	.	PUNCT
fsr-3232	165	1	persons	person	NOUN
fsr-3232	165	2	with	with	ADP
fsr-3232	165	3	uncertain	uncertain	ADJ
fsr-3232	165	4	or	or	CCONJ
fsr-3232	165	5	irregular	irregular	ADJ
fsr-3232	165	6	income	income	NOUN
fsr-3232	165	7	have	have	VERB
fsr-3232	165	8	a	a	DET
fsr-3232	165	9	greater	great	ADJ
fsr-3232	165	10	need	need	NOUN
fsr-3232	165	11	to	to	PART
fsr-3232	165	12	save	save	VERB
fsr-3232	165	13	than	than	ADP
fsr-3232	165	14	workers	worker	NOUN
fsr-3232	165	15	with	with	ADP
fsr-3232	165	16	a	a	DET
fsr-3232	165	17	predictable	predictable	ADJ
fsr-3232	165	18	income	income	NOUN
fsr-3232	165	19	and	and	CCONJ
fsr-3232	165	20	,	,	PUNCT
fsr-3232	165	21	thus	thus	ADV
fsr-3232	165	22	,	,	PUNCT
fsr-3232	165	23	should	should	AUX
fsr-3232	165	24	be	be	AUX
fsr-3232	165	25	targeted	target	VERB
fsr-3232	165	26	by	by	ADP
fsr-3232	165	27	educators	educator	NOUN
fsr-3232	165	28	.	.	PUNCT
fsr-3232	166	1	these	these	DET
fsr-3232	166	2	results	result	NOUN
fsr-3232	166	3	suggest	suggest	VERB
fsr-3232	166	4	that	that	SCONJ
fsr-3232	166	5	to	to	PART
fsr-3232	166	6	encourage	encourage	VERB
fsr-3232	166	7	saving	saving	NOUN
fsr-3232	166	8	,	,	PUNCT
fsr-3232	166	9	educators	educator	NOUN
fsr-3232	166	10	and	and	CCONJ
fsr-3232	166	11	counselors	counselor	NOUN
fsr-3232	166	12	should	should	AUX
fsr-3232	166	13	target	target	VERB
fsr-3232	166	14	lowto	lowto	VERB
fsr-3232	166	15	moderate	moderate	ADJ
fsr-3232	166	16	-	-	PUNCT
fsr-3232	166	17	income	income	NOUN
fsr-3232	166	18	men	man	NOUN
fsr-3232	166	19	working	work	VERB
fsr-3232	166	20	in	in	ADP
fsr-3232	166	21	jobs	job	NOUN
fsr-3232	166	22	that	that	PRON
fsr-3232	166	23	are	be	AUX
fsr-3232	166	24	less	less	ADV
fsr-3232	166	25	stable	stable	ADJ
fsr-3232	166	26	,	,	PUNCT
fsr-3232	166	27	such	such	ADJ
fsr-3232	166	28	as	as	ADP
fsr-3232	166	29	manufacturing	manufacturing	NOUN
fsr-3232	166	30	or	or	CCONJ
fsr-3232	166	31	labor	labor	NOUN
fsr-3232	166	32	positions	position	NOUN
fsr-3232	166	33	.	.	PUNCT
fsr-3232	167	1	in	in	ADP
fsr-3232	167	2	addition	addition	NOUN
fsr-3232	167	3	,	,	PUNCT
fsr-3232	167	4	programs	program	NOUN
fsr-3232	167	5	and	and	CCONJ
fsr-3232	167	6	policies	policy	NOUN
fsr-3232	167	7	that	that	PRON
fsr-3232	167	8	encourage	encourage	VERB
fsr-3232	167	9	and	and	CCONJ
fsr-3232	167	10	facilitate	facilitate	VERB
fsr-3232	167	11	saving	save	VERB
fsr-3232	167	12	among	among	ADP
fsr-3232	167	13	the	the	DET
fsr-3232	167	14	lowest	low	ADJ
fsr-3232	167	15	income	income	NOUN
fsr-3232	167	16	groups	group	NOUN
fsr-3232	167	17	are	be	AUX
fsr-3232	167	18	needed	need	VERB
fsr-3232	167	19	.	.	PUNCT
fsr-3232	168	1	although	although	SCONJ
fsr-3232	168	2	not	not	PART
fsr-3232	168	3	a	a	DET
fsr-3232	168	4	direct	direct	ADJ
fsr-3232	168	5	outcome	outcome	NOUN
fsr-3232	168	6	from	from	ADP
fsr-3232	168	7	the	the	DET
fsr-3232	168	8	present	present	ADJ
fsr-3232	168	9	study	study	NOUN
fsr-3232	168	10	with	with	ADP
fsr-3232	168	11	a	a	DET
fsr-3232	168	12	focus	focus	NOUN
fsr-3232	168	13	on	on	ADP
fsr-3232	168	14	low	low	ADJ
fsr-3232	168	15	to	to	ADP
fsr-3232	168	16	moderate	moderate	ADJ
fsr-3232	168	17	incomes	income	NOUN
fsr-3232	169	1	,	,	PUNCT
fsr-3232	169	2	the	the	DET
fsr-3232	169	3	question	question	NOUN
fsr-3232	169	4	arises	arise	VERB
fsr-3232	169	5	whether	whether	SCONJ
fsr-3232	169	6	educators	educator	NOUN
fsr-3232	169	7	need	need	VERB
fsr-3232	169	8	to	to	PART
fsr-3232	169	9	analyze	analyze	VERB
fsr-3232	169	10	their	their	PRON
fsr-3232	169	11	messages	message	NOUN
fsr-3232	169	12	and	and	CCONJ
fsr-3232	169	13	examples	example	NOUN
fsr-3232	169	14	to	to	PART
fsr-3232	169	15	determine	determine	VERB
fsr-3232	169	16	if	if	SCONJ
fsr-3232	169	17	they	they	PRON
fsr-3232	169	18	may	may	AUX
fsr-3232	169	19	be	be	AUX
fsr-3232	169	20	too	too	ADV
fsr-3232	169	21	middle	middle	ADJ
fsr-3232	169	22	-	-	PUNCT
fsr-3232	169	23	income	income	NOUN
fsr-3232	169	24	oriented	orient	VERB
fsr-3232	169	25	and	and	CCONJ
fsr-3232	169	26	easily	easily	ADV
fsr-3232	169	27	dismissed	dismiss	VERB
fsr-3232	169	28	by	by	ADP
fsr-3232	169	29	learners	learner	NOUN
fsr-3232	169	30	who	who	PRON
fsr-3232	169	31	feel	feel	VERB
fsr-3232	169	32	that	that	SCONJ
fsr-3232	169	33	they	they	PRON
fsr-3232	169	34	do	do	AUX
fsr-3232	169	35	not	not	PART
fsr-3232	169	36	have	have	VERB
fsr-3232	169	37	the	the	DET
fsr-3232	169	38	capacity	capacity	NOUN
fsr-3232	169	39	to	to	PART
fsr-3232	169	40	save	save	VERB
fsr-3232	169	41	.	.	PUNCT
fsr-3232	170	1	perhaps	perhaps	ADV
fsr-3232	170	2	too	too	ADV
fsr-3232	170	3	many	many	ADJ
fsr-3232	170	4	examples	example	NOUN
fsr-3232	170	5	assume	assume	VERB
fsr-3232	170	6	a	a	DET
fsr-3232	170	7	regular	regular	ADJ
fsr-3232	170	8	,	,	PUNCT
fsr-3232	170	9	predictable	predictable	ADJ
fsr-3232	170	10	income	income	NOUN
fsr-3232	170	11	that	that	PRON
fsr-3232	170	12	is	be	AUX
fsr-3232	170	13	beyond	beyond	ADP
fsr-3232	170	14	the	the	DET
fsr-3232	170	15	reach	reach	NOUN
fsr-3232	170	16	of	of	ADP
fsr-3232	170	17	a	a	DET
fsr-3232	170	18	growing	grow	VERB
fsr-3232	170	19	number	number	NOUN
fsr-3232	170	20	of	of	ADP
fsr-3232	170	21	american	american	ADJ
fsr-3232	170	22	workers	worker	NOUN
fsr-3232	170	23	.	.	PUNCT
fsr-3232	171	1	with	with	ADP
fsr-3232	171	2	mean	mean	ADJ
fsr-3232	171	3	incomes	income	NOUN
fsr-3232	171	4	of	of	ADP
fsr-3232	171	5	about	about	ADV
fsr-3232	171	6	$	$	SYM
fsr-3232	171	7	30,000	30,000	NUM
fsr-3232	171	8	,	,	PUNCT
fsr-3232	171	9	these	these	DET
fsr-3232	171	10	singles	single	NOUN
fsr-3232	171	11	are	be	AUX
fsr-3232	171	12	having	have	VERB
fsr-3232	171	13	a	a	DET
fsr-3232	171	14	tough	tough	ADJ
fsr-3232	171	15	time	time	NOUN
fsr-3232	171	16	making	making	NOUN
fsr-3232	171	17	ends	ends	AUX
fsr-3232	171	18	meet	meet	VERB
fsr-3232	171	19	.	.	PUNCT
fsr-3232	172	1	educators	educator	NOUN
fsr-3232	172	2	and	and	CCONJ
fsr-3232	172	3	counselors	counselor	NOUN
fsr-3232	172	4	need	need	VERB
fsr-3232	172	5	to	to	PART
fsr-3232	172	6	tailor	tailor	VERB
fsr-3232	172	7	their	their	PRON
fsr-3232	172	8	examples	example	NOUN
fsr-3232	172	9	to	to	ADP
fsr-3232	172	10	the	the	DET
fsr-3232	172	11	audience	audience	NOUN
fsr-3232	172	12	;	;	PUNCT
fsr-3232	172	13	this	this	PRON
fsr-3232	172	14	is	be	AUX
fsr-3232	172	15	not	not	PART
fsr-3232	172	16	the	the	DET
fsr-3232	172	17	steak	steak	NOUN
fsr-3232	172	18	and	and	CCONJ
fsr-3232	172	19	champagne	champagne	NOUN
fsr-3232	172	20	crowd	crowd	NOUN
fsr-3232	172	21	.	.	PUNCT
fsr-3232	173	1	in	in	ADP
fsr-3232	173	2	the	the	DET
fsr-3232	173	3	scf	scf	PROPN
fsr-3232	173	4	sample	sample	NOUN
fsr-3232	173	5	,	,	PUNCT
fsr-3232	173	6	the	the	DET
fsr-3232	173	7	presence	presence	NOUN
fsr-3232	173	8	of	of	ADP
fsr-3232	173	9	other	other	ADJ
fsr-3232	173	10	household	household	NOUN
fsr-3232	173	11	members	member	NOUN
fsr-3232	173	12	differs	differ	VERB
fsr-3232	173	13	significantly	significantly	ADV
fsr-3232	173	14	for	for	ADP
fsr-3232	173	15	men	man	NOUN
fsr-3232	173	16	and	and	CCONJ
fsr-3232	173	17	women	woman	NOUN
fsr-3232	173	18	with	with	ADP
fsr-3232	173	19	respect	respect	NOUN
fsr-3232	173	20	to	to	ADP
fsr-3232	173	21	being	be	AUX
fsr-3232	173	22	a	a	DET
fsr-3232	173	23	saver	saver	NOUN
fsr-3232	173	24	,	,	PUNCT
fsr-3232	173	25	with	with	ADP
fsr-3232	173	26	the	the	DET
fsr-3232	173	27	presence	presence	NOUN
fsr-3232	173	28	of	of	ADP
fsr-3232	173	29	other	other	ADJ
fsr-3232	173	30	household	household	NOUN
fsr-3232	173	31	members	member	NOUN
fsr-3232	173	32	leading	lead	VERB
fsr-3232	173	33	to	to	ADP
fsr-3232	173	34	a	a	DET
fsr-3232	173	35	significantly	significantly	ADV
fsr-3232	173	36	negative	negative	ADJ
fsr-3232	173	37	effect	effect	NOUN
fsr-3232	173	38	on	on	ADP
fsr-3232	173	39	being	be	AUX
fsr-3232	173	40	a	a	DET
fsr-3232	173	41	saver	saver	NOUN
fsr-3232	173	42	for	for	ADP
fsr-3232	173	43	women	woman	NOUN
fsr-3232	173	44	,	,	PUNCT
fsr-3232	173	45	but	but	CCONJ
fsr-3232	173	46	no	no	DET
fsr-3232	173	47	significant	significant	ADJ
fsr-3232	173	48	effect	effect	NOUN
fsr-3232	173	49	for	for	ADP
fsr-3232	173	50	men	man	NOUN
fsr-3232	173	51	.	.	PUNCT
fsr-3232	174	1	policymakers	policymaker	NOUN
fsr-3232	174	2	and	and	CCONJ
fsr-3232	174	3	financial	financial	ADJ
fsr-3232	174	4	service	service	NOUN
fsr-3232	174	5	providers	provider	NOUN
fsr-3232	174	6	should	should	AUX
fsr-3232	174	7	continue	continue	VERB
fsr-3232	174	8	to	to	PART
fsr-3232	174	9	seek	seek	VERB
fsr-3232	174	10	ways	way	NOUN
fsr-3232	174	11	to	to	PART
fsr-3232	174	12	help	help	VERB
fsr-3232	174	13	female	female	ADJ
fsr-3232	174	14	household	household	NOUN
fsr-3232	174	15	heads	head	NOUN
fsr-3232	174	16	who	who	PRON
fsr-3232	174	17	have	have	VERB
fsr-3232	174	18	more	more	ADJ
fsr-3232	174	19	difficulties	difficulty	NOUN
fsr-3232	174	20	saving	save	VERB
fsr-3232	174	21	and	and	CCONJ
fsr-3232	174	22	becoming	become	VERB
fsr-3232	174	23	financially	financially	ADV
fsr-3232	174	24	stable	stable	ADJ
fsr-3232	174	25	as	as	ADP
fsr-3232	174	26	compared	compare	VERB
fsr-3232	174	27	with	with	ADP
fsr-3232	174	28	male	male	ADJ
fsr-3232	174	29	household	household	NOUN
fsr-3232	174	30	heads	head	NOUN
fsr-3232	174	31	.	.	PUNCT
fsr-3232	175	1	for	for	ADP
fsr-3232	175	2	example	example	NOUN
fsr-3232	175	3	,	,	PUNCT
fsr-3232	175	4	the	the	DET
fsr-3232	175	5	doorways	doorway	NOUN
fsr-3232	175	6	to	to	ADP
fsr-3232	175	7	dreams	dream	NOUN
fsr-3232	175	8	fund	fund	PROPN
fsr-3232	175	9	(	(	PUNCT
fsr-3232	175	10	d2d	d2d	PROPN
fsr-3232	175	11	)	)	PUNCT
fsr-3232	175	12	has	have	AUX
fsr-3232	175	13	supported	support	VERB
fsr-3232	175	14	a	a	DET
fsr-3232	175	15	creative	creative	ADJ
fsr-3232	175	16	endeavor	endeavor	NOUN
fsr-3232	175	17	to	to	PART
fsr-3232	175	18	encourage	encourage	VERB
fsr-3232	175	19	saving	save	VERB
fsr-3232	175	20	called	call	VERB
fsr-3232	175	21	prize	prize	NOUN
fsr-3232	175	22	-	-	PUNCT
fsr-3232	175	23	linked	link	VERB
fsr-3232	175	24	savings	saving	NOUN
fsr-3232	175	25	(	(	PUNCT
fsr-3232	175	26	pls	pls	INTJ
fsr-3232	175	27	)	)	PUNCT
fsr-3232	175	28	,	,	PUNCT
fsr-3232	175	29	and	and	CCONJ
fsr-3232	175	30	michigan	michigan	PROPN
fsr-3232	175	31	credit	credit	NOUN
fsr-3232	175	32	unions	union	NOUN
fsr-3232	175	33	used	use	VERB
fsr-3232	175	34	“	"	PUNCT
fsr-3232	175	35	save	save	VERB
fsr-3232	175	36	to	to	PART
fsr-3232	175	37	win	win	VERB
fsr-3232	175	38	”	"	PUNCT
fsr-3232	175	39	to	to	PART
fsr-3232	175	40	generate	generate	VERB
fsr-3232	175	41	25,000	25,000	NUM
fsr-3232	175	42	new	new	ADJ
fsr-3232	175	43	accounts	account	NOUN
fsr-3232	175	44	and	and	CCONJ
fsr-3232	175	45	$	$	SYM
fsr-3232	175	46	40	40	NUM
fsr-3232	175	47	million	million	NUM
fsr-3232	175	48	in	in	ADP
fsr-3232	175	49	savings	saving	NOUN
fsr-3232	175	50	by	by	ADP
fsr-3232	175	51	encouraging	encourage	VERB
fsr-3232	175	52	new	new	ADJ
fsr-3232	175	53	accounts	account	NOUN
fsr-3232	175	54	and	and	CCONJ
fsr-3232	175	55	deposits	deposit	NOUN
fsr-3232	175	56	by	by	ADP
fsr-3232	175	57	entering	enter	VERB
fsr-3232	175	58	savers	saver	NOUN
fsr-3232	175	59	into	into	ADP
fsr-3232	175	60	a	a	DET
fsr-3232	175	61	lottery	lottery	NOUN
fsr-3232	175	62	.	.	PUNCT
fsr-3232	176	1	“	"	PUNCT
fsr-3232	176	2	prize	prize	NOUN
fsr-3232	176	3	-	-	PUNCT
fsr-3232	176	4	linked	link	VERB
fsr-3232	176	5	savings	saving	NOUN
fsr-3232	176	6	(	(	PUNCT
fsr-3232	176	7	pls	pls	INTJ
fsr-3232	176	8	)	)	PUNCT
fsr-3232	176	9	engages	engage	VERB
fsr-3232	176	10	consumers	consumer	NOUN
fsr-3232	176	11	to	to	PART
fsr-3232	176	12	save	save	VERB
fsr-3232	176	13	by	by	ADP
fsr-3232	176	14	changing	change	VERB
fsr-3232	176	15	the	the	DET
fsr-3232	176	16	savings	saving	NOUN
fsr-3232	176	17	9p.j	9p.j	NUM
fsr-3232	176	18	.	.	PUNCT
fsr-3232	177	1	fisher	fisher	PROPN
fsr-3232	177	2	et	et	PROPN
fsr-3232	177	3	al	al	PROPN
fsr-3232	177	4	.	.	PUNCT
fsr-3232	177	5	/	/	SYM
fsr-3232	177	6	financial	financial	ADJ
fsr-3232	177	7	services	service	NOUN
fsr-3232	177	8	review	review	VERB
fsr-3232	177	9	24	24	NUM
fsr-3232	177	10	(	(	PUNCT
fsr-3232	177	11	2015	2015	NUM
fsr-3232	177	12	)	)	PUNCT
fsr-3232	177	13	1–13	1–13	NOUN
fsr-3232	177	14	experience	experience	NOUN
fsr-3232	177	15	.	.	PUNCT
fsr-3232	178	1	savers	saver	NOUN
fsr-3232	178	2	experience	experience	VERB
fsr-3232	178	3	immediate	immediate	ADJ
fsr-3232	178	4	rewards	reward	NOUN
fsr-3232	178	5	of	of	ADP
fsr-3232	178	6	prizes	prize	NOUN
fsr-3232	178	7	and	and	CCONJ
fsr-3232	178	8	incentives	incentive	NOUN
fsr-3232	178	9	.	.	PUNCT
fsr-3232	179	1	by	by	ADP
fsr-3232	179	2	doing	do	VERB
fsr-3232	179	3	so	so	ADV
fsr-3232	179	4	,	,	PUNCT
fsr-3232	179	5	pls	pls	PROPN
fsr-3232	179	6	reframes	reframe	VERB
fsr-3232	179	7	the	the	DET
fsr-3232	179	8	act	act	NOUN
fsr-3232	179	9	of	of	ADP
fsr-3232	179	10	saving	save	VERB
fsr-3232	179	11	as	as	ADP
fsr-3232	179	12	fun	fun	NOUN
fsr-3232	179	13	—	—	PUNCT
fsr-3232	179	14	a	a	DET
fsr-3232	179	15	game	game	NOUN
fsr-3232	179	16	with	with	ADP
fsr-3232	179	17	real	real	ADJ
fsr-3232	179	18	rewards	reward	NOUN
fsr-3232	179	19	,	,	PUNCT
fsr-3232	179	20	rules	rule	NOUN
fsr-3232	179	21	,	,	PUNCT
fsr-3232	179	22	suspense	suspense	NOUN
fsr-3232	179	23	,	,	PUNCT
fsr-3232	179	24	and	and	CCONJ
fsr-3232	179	25	possibility	possibility	NOUN
fsr-3232	179	26	”	"	PUNCT
fsr-3232	179	27	(	(	PUNCT
fsr-3232	179	28	abbi	abbi	PROPN
fsr-3232	179	29	,	,	PUNCT
fsr-3232	179	30	hahnel	hahnel	PROPN
fsr-3232	179	31	,	,	PUNCT
fsr-3232	179	32	maynard	maynard	NOUN
fsr-3232	179	33	,	,	PUNCT
fsr-3232	179	34	&	&	CCONJ
fsr-3232	179	35	smith	smith	PROPN
fsr-3232	179	36	-	-	PUNCT
fsr-3232	179	37	ramani	ramani	PROPN
fsr-3232	179	38	,	,	PUNCT
fsr-3232	179	39	2012	2012	NUM
fsr-3232	179	40	)	)	PUNCT
fsr-3232	179	41	.	.	PUNCT
fsr-3232	180	1	because	because	SCONJ
fsr-3232	180	2	only	only	ADV
fsr-3232	180	3	about	about	ADV
fsr-3232	180	4	one	one	NUM
fsr-3232	180	5	-	-	PUNCT
fsr-3232	180	6	fourth	fourth	NOUN
fsr-3232	180	7	(	(	PUNCT
fsr-3232	180	8	18–26	18–26	NUM
fsr-3232	180	9	%	%	NOUN
fsr-3232	180	10	)	)	PUNCT
fsr-3232	180	11	of	of	ADP
fsr-3232	180	12	these	these	DET
fsr-3232	180	13	lowto	lowto	VERB
fsr-3232	180	14	moderate	moderate	ADJ
fsr-3232	180	15	-	-	PUNCT
fsr-3232	180	16	income	income	NOUN
fsr-3232	180	17	singles	single	NOUN
fsr-3232	180	18	save	save	VERB
fsr-3232	180	19	,	,	PUNCT
fsr-3232	180	20	this	this	PRON
fsr-3232	180	21	should	should	AUX
fsr-3232	180	22	be	be	AUX
fsr-3232	180	23	a	a	DET
fsr-3232	180	24	major	major	ADJ
fsr-3232	180	25	target	target	NOUN
fsr-3232	180	26	group	group	NOUN
fsr-3232	180	27	for	for	ADP
fsr-3232	180	28	educators	educator	NOUN
fsr-3232	180	29	.	.	PUNCT
fsr-3232	181	1	the	the	DET
fsr-3232	181	2	results	result	NOUN
fsr-3232	181	3	of	of	ADP
fsr-3232	181	4	the	the	DET
fsr-3232	181	5	present	present	ADJ
fsr-3232	181	6	study	study	NOUN
fsr-3232	181	7	also	also	ADV
fsr-3232	181	8	provide	provide	VERB
fsr-3232	181	9	support	support	NOUN
fsr-3232	181	10	for	for	ADP
fsr-3232	181	11	financial	financial	ADJ
fsr-3232	181	12	education	education	NOUN
fsr-3232	181	13	programs	program	NOUN
fsr-3232	181	14	that	that	PRON
fsr-3232	181	15	target	target	VERB
fsr-3232	181	16	men	man	NOUN
fsr-3232	181	17	and	and	CCONJ
fsr-3232	181	18	women	woman	NOUN
fsr-3232	181	19	separately	separately	ADV
fsr-3232	181	20	.	.	PUNCT
fsr-3232	182	1	although	although	SCONJ
fsr-3232	182	2	a	a	DET
fsr-3232	182	3	variety	variety	NOUN
fsr-3232	182	4	of	of	ADP
fsr-3232	182	5	financial	financial	ADJ
fsr-3232	182	6	education	education	NOUN
fsr-3232	182	7	programs	program	NOUN
fsr-3232	182	8	target	target	VERB
fsr-3232	182	9	women	woman	NOUN
fsr-3232	182	10	,	,	PUNCT
fsr-3232	182	11	such	such	ADJ
fsr-3232	182	12	as	as	ADP
fsr-3232	182	13	financial	financial	ADJ
fsr-3232	182	14	planning	planning	NOUN
fsr-3232	182	15	for	for	ADP
fsr-3232	182	16	women	woman	NOUN
fsr-3232	182	17	,	,	PUNCT
fsr-3232	182	18	wi$eup	wi$eup	PROPN
fsr-3232	182	19	:	:	PUNCT
fsr-3232	182	20	financial	financial	ADJ
fsr-3232	182	21	planning	planning	NOUN
fsr-3232	182	22	for	for	ADP
fsr-3232	182	23	generation	generation	NOUN
fsr-3232	182	24	x	x	X
fsr-3232	182	25	&	&	CCONJ
fsr-3232	182	26	y	y	PROPN
fsr-3232	182	27	women	woman	NOUN
fsr-3232	182	28	(	(	PUNCT
fsr-3232	182	29	wiseupwomen	wiseupwomen	PROPN
fsr-3232	182	30	.	.	PUNCT
fsr-3232	183	1	tamu.edu),women’sfinancialliteracyproject(http://www.financiallit.org	tamu.edu),women’sfinancialliteracyproject(http://www.financiallit.org	NOUN
fsr-3232	183	2	/	/	SYM
fsr-3232	183	3	programs	program	NOUN
fsr-3232	183	4	/	/	SYM
fsr-3232	183	5	partners/	partners/	NUM
fsr-3232	183	6	wflp.aspx	wflp.aspx	NOUN
fsr-3232	183	7	,	,	PUNCT
fsr-3232	183	8	http://www.financialwoman.com/	http://www.financialwoman.com/	NOUN
fsr-3232	183	9	)	)	PUNCT
fsr-3232	183	10	,	,	PUNCT
fsr-3232	183	11	and	and	CCONJ
fsr-3232	183	12	women	woman	NOUN
fsr-3232	183	13	’s	’s	PART
fsr-3232	183	14	institute	institute	PROPN
fsr-3232	183	15	for	for	ADP
fsr-3232	183	16	a	a	DET
fsr-3232	183	17	secure	secure	ADJ
fsr-3232	183	18	retirement	retirement	NOUN
fsr-3232	183	19	(	(	PUNCT
fsr-3232	183	20	http://www.wiserwomen.org/	http://www.wiserwomen.org/	NOUN
fsr-3232	183	21	)	)	PUNCT
fsr-3232	183	22	,	,	PUNCT
fsr-3232	183	23	we	we	PRON
fsr-3232	183	24	have	have	AUX
fsr-3232	183	25	found	find	VERB
fsr-3232	183	26	no	no	DET
fsr-3232	183	27	comparable	comparable	ADJ
fsr-3232	183	28	programs	program	NOUN
fsr-3232	183	29	targeting	target	VERB
fsr-3232	183	30	men	man	NOUN
fsr-3232	183	31	.	.	PUNCT
fsr-3232	184	1	as	as	ADP
fsr-3232	184	2	with	with	ADP
fsr-3232	184	3	all	all	DET
fsr-3232	184	4	research	research	NOUN
fsr-3232	184	5	,	,	PUNCT
fsr-3232	184	6	there	there	PRON
fsr-3232	184	7	are	be	VERB
fsr-3232	184	8	limitations	limitation	NOUN
fsr-3232	184	9	to	to	ADP
fsr-3232	184	10	our	our	PRON
fsr-3232	184	11	study	study	NOUN
fsr-3232	184	12	.	.	PUNCT
fsr-3232	185	1	the	the	DET
fsr-3232	185	2	survey	survey	NOUN
fsr-3232	185	3	questions	question	NOUN
fsr-3232	185	4	for	for	ADP
fsr-3232	185	5	some	some	PRON
fsr-3232	185	6	of	of	ADP
fsr-3232	185	7	the	the	DET
fsr-3232	185	8	variables	variable	NOUN
fsr-3232	185	9	differ	differ	VERB
fsr-3232	185	10	in	in	ADP
fsr-3232	185	11	the	the	DET
fsr-3232	185	12	two	two	NUM
fsr-3232	185	13	data	data	NOUN
fsr-3232	185	14	sets	set	NOUN
fsr-3232	185	15	.	.	PUNCT
fsr-3232	186	1	the	the	DET
fsr-3232	186	2	questions	question	NOUN
fsr-3232	186	3	used	use	VERB
fsr-3232	186	4	to	to	PART
fsr-3232	186	5	classify	classify	VERB
fsr-3232	186	6	respondents	respondent	NOUN
fsr-3232	186	7	as	as	SCONJ
fsr-3232	186	8	savers	saver	NOUN
fsr-3232	186	9	differ	differ	VERB
fsr-3232	186	10	somewhat	somewhat	ADV
fsr-3232	186	11	,	,	PUNCT
fsr-3232	186	12	as	as	SCONJ
fsr-3232	186	13	the	the	DET
fsr-3232	186	14	question	question	NOUN
fsr-3232	186	15	regarding	regard	VERB
fsr-3232	186	16	saving	save	VERB
fsr-3232	186	17	over	over	ADP
fsr-3232	186	18	the	the	DET
fsr-3232	186	19	previous	previous	ADJ
fsr-3232	186	20	year	year	NOUN
fsr-3232	186	21	specifically	specifically	ADV
fsr-3232	186	22	excludes	exclude	VERB
fsr-3232	186	23	investments	investment	NOUN
fsr-3232	186	24	in	in	ADP
fsr-3232	186	25	the	the	DET
fsr-3232	186	26	scf	scf	PROPN
fsr-3232	186	27	whereas	whereas	SCONJ
fsr-3232	186	28	the	the	DET
fsr-3232	186	29	nc1172	nc1172	NOUN
fsr-3232	186	30	question	question	NOUN
fsr-3232	186	31	does	do	AUX
fsr-3232	186	32	not	not	PART
fsr-3232	186	33	exclude	exclude	VERB
fsr-3232	186	34	investments	investment	NOUN
fsr-3232	186	35	.	.	PUNCT
fsr-3232	187	1	this	this	DET
fsr-3232	187	2	difference	difference	NOUN
fsr-3232	187	3	may	may	AUX
fsr-3232	187	4	account	account	VERB
fsr-3232	187	5	for	for	ADP
fsr-3232	187	6	the	the	DET
fsr-3232	187	7	higher	high	ADJ
fsr-3232	187	8	propensity	propensity	NOUN
fsr-3232	187	9	to	to	PART
fsr-3232	187	10	save	save	VERB
fsr-3232	187	11	for	for	ADP
fsr-3232	187	12	the	the	DET
fsr-3232	187	13	nc1172	nc1172	NOUN
fsr-3232	187	14	men	man	NOUN
fsr-3232	187	15	who	who	PRON
fsr-3232	187	16	reported	report	VERB
fsr-3232	187	17	a	a	DET
fsr-3232	187	18	high	high	ADJ
fsr-3232	187	19	-	-	PUNCT
fsr-3232	187	20	risk	risk	NOUN
fsr-3232	187	21	tolerance	tolerance	NOUN
fsr-3232	187	22	;	;	PUNCT
fsr-3232	187	23	they	they	PRON
fsr-3232	187	24	may	may	AUX
fsr-3232	187	25	have	have	AUX
fsr-3232	187	26	been	be	AUX
fsr-3232	187	27	investing	invest	VERB
fsr-3232	187	28	as	as	ADV
fsr-3232	187	29	well	well	ADV
fsr-3232	187	30	as	as	ADP
fsr-3232	187	31	saving	save	VERB
fsr-3232	187	32	.	.	PUNCT
fsr-3232	188	1	although	although	SCONJ
fsr-3232	188	2	these	these	DET
fsr-3232	188	3	responses	response	NOUN
fsr-3232	188	4	seem	seem	VERB
fsr-3232	188	5	contradictory	contradictory	ADJ
fsr-3232	188	6	it	it	PRON
fsr-3232	188	7	could	could	AUX
fsr-3232	188	8	be	be	AUX
fsr-3232	188	9	that	that	SCONJ
fsr-3232	188	10	,	,	PUNCT
fsr-3232	188	11	because	because	SCONJ
fsr-3232	188	12	of	of	ADP
fsr-3232	188	13	the	the	DET
fsr-3232	188	14	recession	recession	NOUN
fsr-3232	188	15	and	and	CCONJ
fsr-3232	188	16	perhaps	perhaps	ADV
fsr-3232	188	17	a	a	DET
fsr-3232	188	18	job	job	NOUN
fsr-3232	188	19	loss	loss	NOUN
fsr-3232	188	20	or	or	CCONJ
fsr-3232	188	21	cut	cut	VERB
fsr-3232	188	22	in	in	ADP
fsr-3232	188	23	income	income	NOUN
fsr-3232	188	24	,	,	PUNCT
fsr-3232	188	25	some	some	DET
fsr-3232	188	26	respondents	respondent	NOUN
fsr-3232	188	27	spent	spend	VERB
fsr-3232	188	28	more	more	ADJ
fsr-3232	188	29	than	than	SCONJ
fsr-3232	188	30	they	they	PRON
fsr-3232	188	31	earned	earn	VERB
fsr-3232	188	32	in	in	ADP
fsr-3232	188	33	the	the	DET
fsr-3232	188	34	previous	previous	ADJ
fsr-3232	188	35	year	year	NOUN
fsr-3232	188	36	but	but	CCONJ
fsr-3232	188	37	still	still	ADV
fsr-3232	188	38	consider	consider	VERB
fsr-3232	188	39	themselves	themselves	PRON
fsr-3232	188	40	to	to	PART
fsr-3232	188	41	be	be	AUX
fsr-3232	188	42	a	a	DET
fsr-3232	188	43	saver	saver	NOUN
fsr-3232	188	44	because	because	SCONJ
fsr-3232	188	45	in	in	ADP
fsr-3232	188	46	more	more	ADV
fsr-3232	188	47	typical	typical	ADJ
fsr-3232	188	48	times	time	NOUN
fsr-3232	188	49	they	they	PRON
fsr-3232	188	50	do	do	AUX
fsr-3232	188	51	save	save	VERB
fsr-3232	188	52	regularly	regularly	ADV
fsr-3232	188	53	.	.	PUNCT
fsr-3232	189	1	it	it	PRON
fsr-3232	189	2	is	be	AUX
fsr-3232	189	3	also	also	ADV
fsr-3232	189	4	possible	possible	ADJ
fsr-3232	189	5	that	that	SCONJ
fsr-3232	189	6	some	some	DET
fsr-3232	189	7	consumers	consumer	NOUN
fsr-3232	189	8	save	save	VERB
fsr-3232	189	9	through	through	ADP
fsr-3232	189	10	an	an	DET
fsr-3232	189	11	automatic	automatic	ADJ
fsr-3232	189	12	deposit	deposit	NOUN
fsr-3232	189	13	from	from	ADP
fsr-3232	189	14	each	each	DET
fsr-3232	189	15	paycheck	paycheck	NOUN
fsr-3232	189	16	but	but	CCONJ
fsr-3232	189	17	then	then	ADV
fsr-3232	189	18	periodically	periodically	ADV
fsr-3232	189	19	spend	spend	VERB
fsr-3232	189	20	the	the	DET
fsr-3232	189	21	money	money	NOUN
fsr-3232	189	22	in	in	ADP
fsr-3232	189	23	the	the	DET
fsr-3232	189	24	account	account	NOUN
fsr-3232	189	25	.	.	PUNCT
fsr-3232	190	1	should	should	AUX
fsr-3232	190	2	they	they	PRON
fsr-3232	190	3	be	be	AUX
fsr-3232	190	4	considered	consider	VERB
fsr-3232	190	5	savers	saver	NOUN
fsr-3232	190	6	if	if	SCONJ
fsr-3232	190	7	their	their	PRON
fsr-3232	190	8	account	account	NOUN
fsr-3232	190	9	is	be	AUX
fsr-3232	190	10	essentially	essentially	ADV
fsr-3232	190	11	a	a	DET
fsr-3232	190	12	short	short	ADJ
fsr-3232	190	13	-	-	PUNCT
fsr-3232	190	14	term	term	NOUN
fsr-3232	190	15	holding	hold	VERB
fsr-3232	190	16	pen	pen	NOUN
fsr-3232	190	17	for	for	ADP
fsr-3232	190	18	cash	cash	NOUN
fsr-3232	190	19	?	?	PUNCT
fsr-3232	191	1	they	they	PRON
fsr-3232	191	2	may	may	AUX
fsr-3232	191	3	save	save	VERB
fsr-3232	191	4	regularly	regularly	ADV
fsr-3232	191	5	throughout	throughout	ADP
fsr-3232	191	6	the	the	DET
fsr-3232	191	7	year	year	NOUN
fsr-3232	191	8	to	to	PART
fsr-3232	191	9	pay	pay	VERB
fsr-3232	191	10	for	for	ADP
fsr-3232	191	11	expenses	expense	NOUN
fsr-3232	191	12	that	that	PRON
fsr-3232	191	13	occur	occur	VERB
fsr-3232	191	14	once	once	ADV
fsr-3232	191	15	or	or	CCONJ
fsr-3232	191	16	twice	twice	DET
fsr-3232	191	17	a	a	DET
fsr-3232	191	18	year	year	NOUN
fsr-3232	191	19	,	,	PUNCT
fsr-3232	191	20	such	such	ADJ
fsr-3232	191	21	as	as	ADP
fsr-3232	191	22	insurance	insurance	NOUN
fsr-3232	191	23	premiums	premium	NOUN
fsr-3232	191	24	,	,	PUNCT
fsr-3232	191	25	property	property	NOUN
fsr-3232	191	26	taxes	taxis	NOUN
fsr-3232	191	27	,	,	PUNCT
fsr-3232	191	28	christmas	christmas	NOUN
fsr-3232	191	29	gifts	gift	NOUN
fsr-3232	191	30	,	,	PUNCT
fsr-3232	191	31	or	or	CCONJ
fsr-3232	191	32	vacations	vacation	NOUN
fsr-3232	191	33	.	.	PUNCT
fsr-3232	192	1	further	further	ADJ
fsr-3232	192	2	research	research	NOUN
fsr-3232	192	3	on	on	ADP
fsr-3232	192	4	gender	gender	NOUN
fsr-3232	192	5	differences	difference	NOUN
fsr-3232	192	6	in	in	ADP
fsr-3232	192	7	the	the	DET
fsr-3232	192	8	saving	saving	NOUN
fsr-3232	192	9	and	and	CCONJ
fsr-3232	192	10	investing	investing	NOUN
fsr-3232	192	11	behaviors	behavior	NOUN
fsr-3232	192	12	of	of	ADP
fsr-3232	192	13	lowto	lowto	VERB
fsr-3232	192	14	moderate	moderate	ADJ
fsr-3232	192	15	-	-	PUNCT
fsr-3232	192	16	income	income	NOUN
fsr-3232	192	17	households	household	NOUN
fsr-3232	192	18	is	be	AUX
fsr-3232	192	19	needed	need	VERB
fsr-3232	192	20	to	to	PART
fsr-3232	192	21	identify	identify	VERB
fsr-3232	192	22	different	different	ADJ
fsr-3232	192	23	motivations	motivation	NOUN
fsr-3232	192	24	for	for	ADP
fsr-3232	192	25	saving	saving	NOUN
fsr-3232	192	26	.	.	PUNCT
fsr-3232	193	1	research	research	NOUN
fsr-3232	193	2	on	on	ADP
fsr-3232	193	3	financial	financial	ADJ
fsr-3232	193	4	well	well	NOUN
fsr-3232	193	5	-	-	PUNCT
fsr-3232	193	6	being	be	AUX
fsr-3232	193	7	using	use	VERB
fsr-3232	193	8	a	a	DET
fsr-3232	193	9	lowto	lowto	NOUN
fsr-3232	193	10	moderate	moderate	ADJ
fsr-3232	193	11	-	-	PUNCT
fsr-3232	193	12	income	income	NOUN
fsr-3232	193	13	stratified	stratify	VERB
fsr-3232	193	14	random	random	ADJ
fsr-3232	193	15	sample	sample	NOUN
fsr-3232	193	16	is	be	AUX
fsr-3232	193	17	also	also	ADV
fsr-3232	193	18	needed	need	VERB
fsr-3232	193	19	with	with	ADP
fsr-3232	193	20	a	a	DET
fsr-3232	193	21	greater	great	ADJ
fsr-3232	193	22	representation	representation	NOUN
fsr-3232	193	23	of	of	ADP
fsr-3232	193	24	non	non	NOUN
fsr-3232	193	25	-	-	NOUN
fsr-3232	193	26	whites	white	NOUN
fsr-3232	193	27	.	.	PUNCT
fsr-3232	194	1	future	future	ADJ
fsr-3232	194	2	studies	study	NOUN
fsr-3232	194	3	should	should	AUX
fsr-3232	194	4	examine	examine	VERB
fsr-3232	194	5	both	both	DET
fsr-3232	194	6	income	income	NOUN
fsr-3232	194	7	and	and	CCONJ
fsr-3232	194	8	assets	asset	NOUN
fsr-3232	194	9	because	because	SCONJ
fsr-3232	194	10	these	these	DET
fsr-3232	194	11	variables	variable	NOUN
fsr-3232	194	12	are	be	AUX
fsr-3232	194	13	not	not	PART
fsr-3232	194	14	always	always	ADV
fsr-3232	194	15	linked	link	VERB
fsr-3232	194	16	.	.	PUNCT
fsr-3232	195	1	someone	someone	PRON
fsr-3232	195	2	may	may	AUX
fsr-3232	195	3	temporarily	temporarily	ADV
fsr-3232	195	4	have	have	VERB
fsr-3232	195	5	a	a	DET
fsr-3232	195	6	low	low	ADJ
fsr-3232	195	7	income	income	NOUN
fsr-3232	195	8	but	but	CCONJ
fsr-3232	195	9	maintain	maintain	VERB
fsr-3232	195	10	a	a	DET
fsr-3232	195	11	high	high	ADJ
fsr-3232	195	12	net	net	ADJ
fsr-3232	195	13	worth	worth	NOUN
fsr-3232	195	14	.	.	PUNCT
fsr-3232	196	1	elder	elder	NOUN
fsr-3232	196	2	and	and	CCONJ
fsr-3232	196	3	rudolph	rudolph	NOUN
fsr-3232	196	4	(	(	PUNCT
fsr-3232	196	5	2000	2000	NUM
fsr-3232	196	6	)	)	PUNCT
fsr-3232	196	7	found	find	VERB
fsr-3232	196	8	that	that	SCONJ
fsr-3232	196	9	pension	pension	NOUN
fsr-3232	196	10	benefits	benefit	NOUN
fsr-3232	196	11	may	may	AUX
fsr-3232	196	12	be	be	AUX
fsr-3232	196	13	a	a	DET
fsr-3232	196	14	substitute	substitute	NOUN
fsr-3232	196	15	for	for	ADP
fsr-3232	196	16	saving	saving	NOUN
fsr-3232	196	17	,	,	PUNCT
fsr-3232	196	18	so	so	CCONJ
fsr-3232	196	19	future	future	ADJ
fsr-3232	196	20	researchers	researcher	NOUN
fsr-3232	196	21	should	should	AUX
fsr-3232	196	22	consider	consider	VERB
fsr-3232	196	23	including	include	VERB
fsr-3232	196	24	retirement	retirement	NOUN
fsr-3232	196	25	benefits	benefit	NOUN
fsr-3232	196	26	in	in	ADP
fsr-3232	196	27	studies	study	NOUN
fsr-3232	196	28	on	on	ADP
fsr-3232	196	29	saving	save	VERB
fsr-3232	196	30	.	.	PUNCT
fsr-3232	197	1	to	to	PART
fsr-3232	197	2	investigate	investigate	VERB
fsr-3232	197	3	the	the	DET
fsr-3232	197	4	impact	impact	NOUN
fsr-3232	197	5	of	of	ADP
fsr-3232	197	6	current	current	ADJ
fsr-3232	197	7	volatile	volatile	ADJ
fsr-3232	197	8	economic	economic	ADJ
fsr-3232	197	9	conditions	condition	NOUN
fsr-3232	197	10	(	(	PUNCT
fsr-3232	197	11	that	that	PRON
fsr-3232	197	12	are	be	AUX
fsr-3232	197	13	atypical	atypical	ADJ
fsr-3232	197	14	but	but	CCONJ
fsr-3232	197	15	may	may	AUX
fsr-3232	197	16	become	become	VERB
fsr-3232	197	17	the	the	DET
fsr-3232	197	18	new	new	ADJ
fsr-3232	197	19	norm	norm	NOUN
fsr-3232	197	20	)	)	PUNCT
fsr-3232	197	21	,	,	PUNCT
fsr-3232	197	22	a	a	DET
fsr-3232	197	23	longitudinal	longitudinal	ADJ
fsr-3232	197	24	study	study	NOUN
fsr-3232	197	25	is	be	AUX
fsr-3232	197	26	needed	need	VERB
fsr-3232	197	27	.	.	PUNCT
fsr-3232	198	1	in	in	ADP
fsr-3232	198	2	addition	addition	NOUN
fsr-3232	198	3	to	to	ADP
fsr-3232	198	4	the	the	DET
fsr-3232	198	5	different	different	ADJ
fsr-3232	198	6	wording	wording	NOUN
fsr-3232	198	7	of	of	ADP
fsr-3232	198	8	questions	question	NOUN
fsr-3232	198	9	in	in	ADP
fsr-3232	198	10	the	the	DET
fsr-3232	198	11	scf	scf	PROPN
fsr-3232	198	12	and	and	CCONJ
fsr-3232	198	13	the	the	DET
fsr-3232	198	14	nc1172	nc1172	PROPN
fsr-3232	198	15	surveys	survey	NOUN
fsr-3232	198	16	,	,	PUNCT
fsr-3232	198	17	it	it	PRON
fsr-3232	198	18	is	be	AUX
fsr-3232	198	19	essential	essential	ADJ
fsr-3232	198	20	to	to	PART
fsr-3232	198	21	understand	understand	VERB
fsr-3232	198	22	the	the	DET
fsr-3232	198	23	economic	economic	ADJ
fsr-3232	198	24	circumstances	circumstance	NOUN
fsr-3232	198	25	leading	lead	VERB
fsr-3232	198	26	up	up	ADP
fsr-3232	198	27	to	to	ADP
fsr-3232	198	28	and	and	CCONJ
fsr-3232	198	29	during	during	ADP
fsr-3232	198	30	the	the	DET
fsr-3232	198	31	two	two	NUM
fsr-3232	198	32	data	datum	NOUN
fsr-3232	198	33	collection	collection	NOUN
fsr-3232	198	34	periods	period	NOUN
fsr-3232	198	35	.	.	PUNCT
fsr-3232	199	1	although	although	SCONJ
fsr-3232	199	2	wealthier	wealthy	ADJ
fsr-3232	199	3	americans	americans	PROPN
fsr-3232	199	4	(	(	PUNCT
fsr-3232	199	5	oversampled	oversample	VERB
fsr-3232	199	6	in	in	ADP
fsr-3232	199	7	the	the	DET
fsr-3232	199	8	scf	scf	PROPN
fsr-3232	199	9	data	data	PROPN
fsr-3232	199	10	)	)	PUNCT
fsr-3232	199	11	were	be	AUX
fsr-3232	199	12	affected	affect	VERB
fsr-3232	199	13	by	by	ADP
fsr-3232	199	14	the	the	DET
fsr-3232	199	15	2008	2008	NUM
fsr-3232	199	16	financial	financial	ADJ
fsr-3232	199	17	crisis	crisis	NOUN
fsr-3232	199	18	,	,	PUNCT
fsr-3232	199	19	the	the	DET
fsr-3232	199	20	impact	impact	NOUN
fsr-3232	199	21	was	be	AUX
fsr-3232	199	22	far	far	ADV
fsr-3232	199	23	more	more	ADV
fsr-3232	199	24	severe	severe	ADJ
fsr-3232	199	25	for	for	ADP
fsr-3232	199	26	lowand	lowand	ADJ
fsr-3232	199	27	middle	middle	ADJ
fsr-3232	199	28	-	-	PUNCT
fsr-3232	199	29	income	income	NOUN
fsr-3232	199	30	americans	americans	PROPN
fsr-3232	199	31	,	,	PUNCT
fsr-3232	199	32	many	many	ADJ
fsr-3232	199	33	of	of	ADP
fsr-3232	199	34	whom	whom	PRON
fsr-3232	199	35	lost	lose	VERB
fsr-3232	199	36	jobs	job	NOUN
fsr-3232	199	37	,	,	PUNCT
fsr-3232	199	38	are	be	AUX
fsr-3232	199	39	underwater	underwater	ADJ
fsr-3232	199	40	or	or	CCONJ
fsr-3232	199	41	in	in	ADP
fsr-3232	199	42	foreclosure	foreclosure	NOUN
fsr-3232	199	43	on	on	ADP
fsr-3232	199	44	their	their	PRON
fsr-3232	199	45	homes	home	NOUN
fsr-3232	199	46	,	,	PUNCT
fsr-3232	199	47	and	and	CCONJ
fsr-3232	199	48	have	have	VERB
fsr-3232	199	49	fewer	few	ADJ
fsr-3232	199	50	assets	asset	NOUN
fsr-3232	199	51	to	to	PART
fsr-3232	199	52	cushion	cushion	VERB
fsr-3232	199	53	the	the	DET
fsr-3232	199	54	economic	economic	ADJ
fsr-3232	199	55	shock	shock	NOUN
fsr-3232	199	56	(	(	PUNCT
fsr-3232	199	57	mishel	mishel	PROPN
fsr-3232	199	58	&	&	CCONJ
fsr-3232	199	59	shierholz	shierholz	PROPN
fsr-3232	199	60	,	,	PUNCT
fsr-3232	199	61	2011	2011	NUM
fsr-3232	199	62	)	)	PUNCT
fsr-3232	199	63	.	.	PUNCT
fsr-3232	200	1	single	single	ADJ
fsr-3232	200	2	person	person	NOUN
fsr-3232	200	3	households	household	NOUN
fsr-3232	200	4	affected	affect	VERB
fsr-3232	200	5	by	by	ADP
fsr-3232	200	6	the	the	DET
fsr-3232	200	7	recession	recession	NOUN
fsr-3232	200	8	are	be	AUX
fsr-3232	200	9	at	at	ADP
fsr-3232	200	10	an	an	DET
fsr-3232	200	11	even	even	ADV
fsr-3232	200	12	greater	great	ADJ
fsr-3232	200	13	disadvantage	disadvantage	NOUN
fsr-3232	200	14	than	than	ADP
fsr-3232	200	15	individuals	individual	NOUN
fsr-3232	200	16	with	with	ADP
fsr-3232	200	17	partners	partner	NOUN
fsr-3232	200	18	who	who	PRON
fsr-3232	200	19	provide	provide	VERB
fsr-3232	200	20	the	the	DET
fsr-3232	200	21	potential	potential	NOUN
fsr-3232	200	22	to	to	PART
fsr-3232	200	23	earn	earn	VERB
fsr-3232	200	24	income	income	NOUN
fsr-3232	200	25	to	to	PART
fsr-3232	200	26	help	help	VERB
fsr-3232	200	27	cushion	cushion	VERB
fsr-3232	200	28	economic	economic	ADJ
fsr-3232	200	29	blows	blow	NOUN
fsr-3232	200	30	.	.	PUNCT
fsr-3232	201	1	thus	thus	ADV
fsr-3232	201	2	,	,	PUNCT
fsr-3232	201	3	singles	single	NOUN
fsr-3232	201	4	are	be	AUX
fsr-3232	201	5	even	even	ADV
fsr-3232	201	6	more	more	ADV
fsr-3232	201	7	in	in	ADP
fsr-3232	201	8	need	need	NOUN
fsr-3232	201	9	of	of	ADP
fsr-3232	201	10	emergency	emergency	NOUN
fsr-3232	201	11	savings	saving	NOUN
fsr-3232	201	12	than	than	SCONJ
fsr-3232	201	13	partnered	partner	VERB
fsr-3232	201	14	or	or	CCONJ
fsr-3232	201	15	married	married	ADJ
fsr-3232	201	16	couple	couple	NOUN
fsr-3232	201	17	households	household	NOUN
fsr-3232	201	18	.	.	PUNCT
fsr-3232	202	1	10	10	NUM
fsr-3232	202	2	p.j	p.j	PROPN
fsr-3232	202	3	.	.	PROPN
fsr-3232	202	4	fisher	fisher	PROPN
fsr-3232	202	5	et	et	PROPN
fsr-3232	202	6	al	al	PROPN
fsr-3232	202	7	.	.	PUNCT
fsr-3232	202	8	/	/	SYM
fsr-3232	202	9	financial	financial	ADJ
fsr-3232	202	10	services	service	NOUN
fsr-3232	202	11	review	review	VERB
fsr-3232	202	12	24	24	NUM
fsr-3232	202	13	(	(	PUNCT
fsr-3232	202	14	2015	2015	NUM
fsr-3232	202	15	)	)	PUNCT
fsr-3232	202	16	1–13	1–13	NOUN
fsr-3232	202	17	policy	policy	NOUN
fsr-3232	202	18	incentives	incentive	VERB
fsr-3232	202	19	to	to	PART
fsr-3232	202	20	save	save	VERB
fsr-3232	202	21	regularly	regularly	ADV
fsr-3232	202	22	and	and	CCONJ
fsr-3232	202	23	consumer	consumer	NOUN
fsr-3232	202	24	education	education	NOUN
fsr-3232	202	25	to	to	PART
fsr-3232	202	26	accompany	accompany	VERB
fsr-3232	202	27	those	those	DET
fsr-3232	202	28	incentives	incentive	NOUN
fsr-3232	202	29	are	be	AUX
fsr-3232	202	30	needed	need	VERB
fsr-3232	202	31	.	.	PUNCT
fsr-3232	203	1	with	with	ADP
fsr-3232	203	2	interest	interest	NOUN
fsr-3232	203	3	rates	rate	NOUN
fsr-3232	203	4	on	on	ADP
fsr-3232	203	5	savings	saving	NOUN
fsr-3232	203	6	currently	currently	ADV
fsr-3232	203	7	below	below	ADP
fsr-3232	203	8	one	one	NUM
fsr-3232	203	9	percentage	percentage	NOUN
fsr-3232	203	10	,	,	PUNCT
fsr-3232	203	11	today	today	NOUN
fsr-3232	203	12	’s	’s	PART
fsr-3232	203	13	interest	interest	NOUN
fsr-3232	203	14	rate	rate	NOUN
fsr-3232	203	15	environment	environment	NOUN
fsr-3232	203	16	does	do	AUX
fsr-3232	203	17	not	not	PART
fsr-3232	203	18	encourage	encourage	VERB
fsr-3232	203	19	savings	saving	NOUN
fsr-3232	203	20	,	,	PUNCT
fsr-3232	203	21	nor	nor	CCONJ
fsr-3232	203	22	does	do	VERB
fsr-3232	203	23	the	the	DET
fsr-3232	203	24	irs	irs	PROPN
fsr-3232	203	25	policy	policy	NOUN
fsr-3232	203	26	of	of	ADP
fsr-3232	203	27	taxing	tax	VERB
fsr-3232	203	28	interest	interest	NOUN
fsr-3232	203	29	at	at	ADP
fsr-3232	203	30	the	the	DET
fsr-3232	203	31	same	same	ADJ
fsr-3232	203	32	rate	rate	NOUN
fsr-3232	203	33	as	as	SCONJ
fsr-3232	203	34	earned	earn	VERB
fsr-3232	203	35	income	income	NOUN
fsr-3232	203	36	while	while	SCONJ
fsr-3232	203	37	assessing	assess	VERB
fsr-3232	203	38	taxes	taxis	NOUN
fsr-3232	203	39	on	on	ADP
fsr-3232	203	40	capital	capital	NOUN
fsr-3232	203	41	gains	gain	NOUN
fsr-3232	203	42	and	and	CCONJ
fsr-3232	203	43	dividends	dividend	NOUN
fsr-3232	203	44	at	at	ADP
fsr-3232	203	45	lower	low	ADJ
fsr-3232	203	46	rates	rate	NOUN
fsr-3232	203	47	.	.	PUNCT
fsr-3232	204	1	savings	saving	NOUN
fsr-3232	204	2	are	be	AUX
fsr-3232	204	3	essential	essential	ADJ
fsr-3232	204	4	for	for	ADP
fsr-3232	204	5	the	the	DET
fsr-3232	204	6	financial	financial	ADJ
fsr-3232	204	7	cushion	cushion	NOUN
fsr-3232	204	8	needed	need	VERB
fsr-3232	204	9	by	by	ADP
fsr-3232	204	10	every	every	DET
fsr-3232	204	11	household	household	NOUN
fsr-3232	204	12	and	and	CCONJ
fsr-3232	204	13	to	to	PART
fsr-3232	204	14	provide	provide	VERB
fsr-3232	204	15	the	the	DET
fsr-3232	204	16	capital	capital	NOUN
fsr-3232	204	17	for	for	ADP
fsr-3232	204	18	loans	loan	NOUN
fsr-3232	204	19	,	,	PUNCT
fsr-3232	204	20	but	but	CCONJ
fsr-3232	204	21	current	current	ADJ
fsr-3232	204	22	government	government	NOUN
fsr-3232	204	23	tax	tax	NOUN
fsr-3232	204	24	policies	policy	NOUN
fsr-3232	204	25	do	do	AUX
fsr-3232	204	26	not	not	PART
fsr-3232	204	27	provide	provide	VERB
fsr-3232	204	28	adequate	adequate	ADJ
fsr-3232	204	29	incentives	incentive	NOUN
fsr-3232	204	30	for	for	SCONJ
fsr-3232	204	31	lowto	lowto	VERB
fsr-3232	204	32	moderate	moderate	ADJ
fsr-3232	204	33	-	-	PUNCT
fsr-3232	204	34	income	income	NOUN
fsr-3232	204	35	households	household	NOUN
fsr-3232	204	36	to	to	PART
fsr-3232	204	37	save	save	VERB
fsr-3232	204	38	.	.	PUNCT
fsr-3232	205	1	one	one	NUM
fsr-3232	205	2	difference	difference	NOUN
fsr-3232	205	3	between	between	ADP
fsr-3232	205	4	the	the	DET
fsr-3232	205	5	two	two	NUM
fsr-3232	205	6	data	data	NOUN
fsr-3232	205	7	sets	set	NOUN
fsr-3232	205	8	is	be	AUX
fsr-3232	205	9	that	that	SCONJ
fsr-3232	205	10	both	both	CCONJ
fsr-3232	205	11	income	income	NOUN
fsr-3232	205	12	and	and	CCONJ
fsr-3232	205	13	wealth	wealth	NOUN
fsr-3232	205	14	are	be	AUX
fsr-3232	205	15	low	low	ADJ
fsr-3232	205	16	to	to	PART
fsr-3232	205	17	moderate	moderate	VERB
fsr-3232	205	18	in	in	ADP
fsr-3232	205	19	the	the	DET
fsr-3232	205	20	nc1172	nc1172	NOUN
fsr-3232	205	21	,	,	PUNCT
fsr-3232	205	22	whereas	whereas	SCONJ
fsr-3232	205	23	in	in	ADP
fsr-3232	205	24	the	the	DET
fsr-3232	205	25	scf	scf	PROPN
fsr-3232	205	26	,	,	PUNCT
fsr-3232	205	27	we	we	PRON
fsr-3232	205	28	limited	limit	VERB
fsr-3232	205	29	the	the	DET
fsr-3232	205	30	sample	sample	NOUN
fsr-3232	205	31	to	to	PART
fsr-3232	205	32	low	low	VERB
fsr-3232	205	33	to	to	ADP
fsr-3232	205	34	moderate	moderate	ADJ
fsr-3232	205	35	income	income	NOUN
fsr-3232	205	36	but	but	CCONJ
fsr-3232	205	37	these	these	DET
fsr-3232	205	38	households	household	NOUN
fsr-3232	205	39	have	have	VERB
fsr-3232	205	40	a	a	DET
fsr-3232	205	41	relatively	relatively	ADV
fsr-3232	205	42	high	high	ADJ
fsr-3232	205	43	net	net	ADJ
fsr-3232	205	44	worth	worth	NOUN
fsr-3232	205	45	for	for	ADP
fsr-3232	205	46	individuals	individual	NOUN
fsr-3232	205	47	with	with	ADP
fsr-3232	205	48	incomes	income	NOUN
fsr-3232	205	49	up	up	ADP
fsr-3232	205	50	to	to	PART
fsr-3232	205	51	$	$	SYM
fsr-3232	205	52	80,000	80,000	NUM
fsr-3232	205	53	.	.	PUNCT
fsr-3232	206	1	although	although	SCONJ
fsr-3232	206	2	the	the	DET
fsr-3232	206	3	measures	measure	NOUN
fsr-3232	206	4	of	of	ADP
fsr-3232	206	5	net	net	ADJ
fsr-3232	206	6	worth	worth	NOUN
fsr-3232	206	7	were	be	AUX
fsr-3232	206	8	vastly	vastly	ADV
fsr-3232	206	9	different	different	ADJ
fsr-3232	206	10	for	for	ADP
fsr-3232	206	11	the	the	DET
fsr-3232	206	12	two	two	NUM
fsr-3232	206	13	data	datum	NOUN
fsr-3232	206	14	sets	set	NOUN
fsr-3232	206	15	and	and	CCONJ
fsr-3232	206	16	the	the	DET
fsr-3232	206	17	values	value	NOUN
fsr-3232	206	18	provided	provide	VERB
fsr-3232	206	19	by	by	ADP
fsr-3232	206	20	some	some	DET
fsr-3232	206	21	nc1172	nc1172	NOUN
fsr-3232	206	22	respondents	respondent	NOUN
fsr-3232	206	23	were	be	AUX
fsr-3232	206	24	deemed	deem	VERB
fsr-3232	206	25	to	to	PART
fsr-3232	206	26	be	be	AUX
fsr-3232	206	27	unreliable	unreliable	ADJ
fsr-3232	206	28	,	,	PUNCT
fsr-3232	206	29	the	the	DET
fsr-3232	206	30	mean	mean	ADJ
fsr-3232	206	31	net	net	ADJ
fsr-3232	206	32	worth	worth	NOUN
fsr-3232	206	33	for	for	ADP
fsr-3232	206	34	the	the	DET
fsr-3232	206	35	nc1172	nc1172	NOUN
fsr-3232	206	36	sample	sample	NOUN
fsr-3232	206	37	was	be	AUX
fsr-3232	206	38	about	about	ADV
fsr-3232	206	39	$	$	SYM
fsr-3232	206	40	35,000	35,000	NUM
fsr-3232	206	41	whereas	whereas	SCONJ
fsr-3232	206	42	that	that	PRON
fsr-3232	206	43	of	of	ADP
fsr-3232	206	44	the	the	DET
fsr-3232	206	45	scf	scf	PROPN
fsr-3232	206	46	sample	sample	NOUN
fsr-3232	206	47	was	be	AUX
fsr-3232	206	48	about	about	ADV
fsr-3232	206	49	$	$	SYM
fsr-3232	206	50	150,000	150,000	NUM
fsr-3232	206	51	.	.	PUNCT
fsr-3232	207	1	thus	thus	ADV
fsr-3232	207	2	,	,	PUNCT
fsr-3232	207	3	it	it	PRON
fsr-3232	207	4	is	be	AUX
fsr-3232	207	5	possible	possible	ADJ
fsr-3232	207	6	that	that	SCONJ
fsr-3232	207	7	households	household	NOUN
fsr-3232	207	8	are	be	AUX
fsr-3232	207	9	not	not	PART
fsr-3232	207	10	basing	base	VERB
fsr-3232	207	11	their	their	PRON
fsr-3232	207	12	saving	saving	NOUN
fsr-3232	207	13	and	and	CCONJ
fsr-3232	207	14	spending	spend	VERB
fsr-3232	207	15	decisions	decision	NOUN
fsr-3232	207	16	only	only	ADV
fsr-3232	207	17	on	on	ADP
fsr-3232	207	18	income	income	NOUN
fsr-3232	207	19	,	,	PUNCT
fsr-3232	207	20	and	and	CCONJ
fsr-3232	207	21	that	that	SCONJ
fsr-3232	207	22	wealth	wealth	NOUN
fsr-3232	207	23	also	also	ADV
fsr-3232	207	24	plays	play	VERB
fsr-3232	207	25	a	a	DET
fsr-3232	207	26	role	role	NOUN
fsr-3232	207	27	in	in	ADP
fsr-3232	207	28	such	such	ADJ
fsr-3232	207	29	decisions	decision	NOUN
fsr-3232	207	30	.	.	PUNCT
fsr-3232	208	1	we	we	PRON
fsr-3232	208	2	do	do	AUX
fsr-3232	208	3	not	not	PART
fsr-3232	208	4	include	include	VERB
fsr-3232	208	5	wealth	wealth	NOUN
fsr-3232	208	6	in	in	ADP
fsr-3232	208	7	our	our	PRON
fsr-3232	208	8	study	study	NOUN
fsr-3232	208	9	because	because	SCONJ
fsr-3232	208	10	the	the	DET
fsr-3232	208	11	measures	measure	NOUN
fsr-3232	208	12	of	of	ADP
fsr-3232	208	13	net	net	ADJ
fsr-3232	208	14	worth	worth	NOUN
fsr-3232	208	15	in	in	ADP
fsr-3232	208	16	the	the	DET
fsr-3232	208	17	two	two	NUM
fsr-3232	208	18	data	data	NOUN
fsr-3232	208	19	sets	set	NOUN
fsr-3232	208	20	are	be	AUX
fsr-3232	208	21	very	very	ADV
fsr-3232	208	22	different	different	ADJ
fsr-3232	208	23	,	,	PUNCT
fsr-3232	208	24	so	so	CCONJ
fsr-3232	208	25	future	future	ADJ
fsr-3232	208	26	studies	study	NOUN
fsr-3232	208	27	that	that	PRON
fsr-3232	208	28	include	include	VERB
fsr-3232	208	29	net	net	ADJ
fsr-3232	208	30	worth	worth	NOUN
fsr-3232	208	31	are	be	AUX
fsr-3232	208	32	needed	need	VERB
fsr-3232	208	33	.	.	PUNCT
fsr-3232	209	1	although	although	SCONJ
fsr-3232	209	2	many	many	ADJ
fsr-3232	209	3	high	high	ADJ
fsr-3232	209	4	income	income	NOUN
fsr-3232	209	5	and	and	CCONJ
fsr-3232	209	6	high	high	ADJ
fsr-3232	209	7	net	net	ADJ
fsr-3232	209	8	worth	worth	ADJ
fsr-3232	209	9	individuals	individual	NOUN
fsr-3232	209	10	have	have	VERB
fsr-3232	209	11	access	access	NOUN
fsr-3232	209	12	to	to	ADP
fsr-3232	209	13	financial	financial	ADJ
fsr-3232	209	14	planning	planning	NOUN
fsr-3232	209	15	services	service	NOUN
fsr-3232	209	16	,	,	PUNCT
fsr-3232	209	17	financial	financial	ADJ
fsr-3232	209	18	educators	educator	NOUN
fsr-3232	209	19	and	and	CCONJ
fsr-3232	209	20	counselors	counselor	NOUN
fsr-3232	209	21	are	be	AUX
fsr-3232	209	22	likely	likely	ADV
fsr-3232	209	23	serving	serve	VERB
fsr-3232	209	24	lowto	lowto	NOUN
fsr-3232	209	25	moderateincome	moderateincome	NOUN
fsr-3232	209	26	audiences	audience	NOUN
fsr-3232	209	27	.	.	PUNCT
fsr-3232	210	1	the	the	DET
fsr-3232	210	2	most	most	ADV
fsr-3232	210	3	significant	significant	ADJ
fsr-3232	210	4	finding	finding	NOUN
fsr-3232	210	5	for	for	ADP
fsr-3232	210	6	counselors	counselor	NOUN
fsr-3232	210	7	and	and	CCONJ
fsr-3232	210	8	financial	financial	ADJ
fsr-3232	210	9	educators	educator	NOUN
fsr-3232	210	10	serving	serve	VERB
fsr-3232	210	11	middle	middle	ADJ
fsr-3232	210	12	-	-	PUNCT
fsr-3232	210	13	income	income	NOUN
fsr-3232	210	14	clients	client	NOUN
fsr-3232	210	15	is	be	AUX
fsr-3232	210	16	that	that	SCONJ
fsr-3232	210	17	less	less	ADJ
fsr-3232	210	18	than	than	ADP
fsr-3232	210	19	one	one	NUM
fsr-3232	210	20	-	-	PUNCT
fsr-3232	210	21	third	third	NOUN
fsr-3232	210	22	of	of	ADP
fsr-3232	210	23	lowto	lowto	NOUN
fsr-3232	210	24	moderate	moderate	ADJ
fsr-3232	210	25	-	-	PUNCT
fsr-3232	210	26	income	income	NOUN
fsr-3232	210	27	singles	single	NOUN
fsr-3232	210	28	save	save	VERB
fsr-3232	210	29	regularly	regularly	ADV
fsr-3232	210	30	.	.	PUNCT
fsr-3232	211	1	unemployment	unemployment	NOUN
fsr-3232	211	2	is	be	AUX
fsr-3232	211	3	a	a	DET
fsr-3232	211	4	greater	great	ADJ
fsr-3232	211	5	threat	threat	NOUN
fsr-3232	211	6	for	for	ADP
fsr-3232	211	7	single	single	ADJ
fsr-3232	211	8	earners	earner	NOUN
fsr-3232	211	9	than	than	ADP
fsr-3232	211	10	for	for	ADP
fsr-3232	211	11	workers	worker	NOUN
fsr-3232	211	12	with	with	ADP
fsr-3232	211	13	a	a	DET
fsr-3232	211	14	partner	partner	NOUN
fsr-3232	211	15	,	,	PUNCT
fsr-3232	211	16	so	so	ADV
fsr-3232	211	17	having	have	VERB
fsr-3232	211	18	an	an	DET
fsr-3232	211	19	adequate	adequate	ADJ
fsr-3232	211	20	emergency	emergency	NOUN
fsr-3232	211	21	fund	fund	NOUN
fsr-3232	211	22	is	be	AUX
fsr-3232	211	23	critical	critical	ADJ
fsr-3232	211	24	.	.	PUNCT
fsr-3232	212	1	although	although	SCONJ
fsr-3232	212	2	both	both	DET
fsr-3232	212	3	women	woman	NOUN
fsr-3232	212	4	and	and	CCONJ
fsr-3232	212	5	men	man	NOUN
fsr-3232	212	6	need	need	VERB
fsr-3232	212	7	encouragement	encouragement	NOUN
fsr-3232	212	8	to	to	PART
fsr-3232	212	9	save	save	VERB
fsr-3232	212	10	,	,	PUNCT
fsr-3232	212	11	in	in	ADP
fsr-3232	212	12	addition	addition	NOUN
fsr-3232	212	13	to	to	ADP
fsr-3232	212	14	education	education	NOUN
fsr-3232	212	15	on	on	ADP
fsr-3232	212	16	effective	effective	ADJ
fsr-3232	212	17	strategies	strategy	NOUN
fsr-3232	212	18	,	,	PUNCT
fsr-3232	212	19	women	woman	NOUN
fsr-3232	212	20	have	have	VERB
fsr-3232	212	21	different	different	ADJ
fsr-3232	212	22	learning	learning	NOUN
fsr-3232	212	23	styles	style	NOUN
fsr-3232	212	24	than	than	ADP
fsr-3232	212	25	men	man	NOUN
fsr-3232	212	26	and	and	CCONJ
fsr-3232	212	27	benefit	benefit	VERB
fsr-3232	212	28	from	from	ADP
fsr-3232	212	29	education	education	NOUN
fsr-3232	212	30	geared	gear	VERB
fsr-3232	212	31	toward	toward	ADP
fsr-3232	212	32	women	woman	NOUN
fsr-3232	212	33	and	and	CCONJ
fsr-3232	212	34	provided	provide	VERB
fsr-3232	212	35	with	with	ADP
fsr-3232	212	36	other	other	ADJ
fsr-3232	212	37	female	female	ADJ
fsr-3232	212	38	learners	learner	NOUN
fsr-3232	212	39	(	(	PUNCT
fsr-3232	212	40	hays	hay	NOUN
fsr-3232	212	41	&	&	CCONJ
fsr-3232	212	42	flannery	flannery	PROPN
fsr-3232	212	43	,	,	PUNCT
fsr-3232	212	44	2000	2000	NUM
fsr-3232	212	45	;	;	PUNCT
fsr-3232	212	46	lown	lown	PROPN
fsr-3232	212	47	,	,	PUNCT
fsr-3232	212	48	2004	2004	NUM
fsr-3232	212	49	)	)	PUNCT
fsr-3232	212	50	.	.	PUNCT
fsr-3232	213	1	thus	thus	ADV
fsr-3232	213	2	,	,	PUNCT
fsr-3232	213	3	educators	educator	NOUN
fsr-3232	213	4	and	and	CCONJ
fsr-3232	213	5	advisors	advisor	NOUN
fsr-3232	213	6	should	should	AUX
fsr-3232	213	7	use	use	VERB
fsr-3232	213	8	examples	example	NOUN
fsr-3232	213	9	that	that	PRON
fsr-3232	213	10	will	will	AUX
fsr-3232	213	11	appeal	appeal	VERB
fsr-3232	213	12	to	to	ADP
fsr-3232	213	13	women	woman	NOUN
fsr-3232	213	14	and	and	CCONJ
fsr-3232	213	15	men	man	NOUN
fsr-3232	213	16	so	so	SCONJ
fsr-3232	213	17	that	that	SCONJ
fsr-3232	213	18	both	both	DET
fsr-3232	213	19	genders	gender	NOUN
fsr-3232	213	20	feel	feel	VERB
fsr-3232	213	21	that	that	SCONJ
fsr-3232	213	22	the	the	DET
fsr-3232	213	23	information	information	NOUN
fsr-3232	213	24	applies	apply	VERB
fsr-3232	213	25	to	to	ADP
fsr-3232	213	26	them	they	PRON
fsr-3232	213	27	or	or	CCONJ
fsr-3232	213	28	alternatively	alternatively	ADV
fsr-3232	213	29	provide	provide	VERB
fsr-3232	213	30	gender	gender	NOUN
fsr-3232	213	31	-	-	PUNCT
fsr-3232	213	32	focused	focus	VERB
fsr-3232	213	33	education	education	NOUN
fsr-3232	213	34	.	.	PUNCT
fsr-3232	214	1	references	reference	NOUN
fsr-3232	214	2	abbi	abbi	PROPN
fsr-3232	214	3	,	,	PUNCT
fsr-3232	214	4	s.	s.	PROPN
fsr-3232	214	5	,	,	PUNCT
fsr-3232	214	6	hahnel	hahnel	PROPN
fsr-3232	214	7	,	,	PUNCT
fsr-3232	214	8	a.	a.	PROPN
fsr-3232	214	9	,	,	PUNCT
fsr-3232	214	10	maynard	maynard	NOUN
fsr-3232	214	11	,	,	PUNCT
fsr-3232	214	12	n.	n.	NOUN
fsr-3232	214	13	,	,	PUNCT
fsr-3232	214	14	&	&	CCONJ
fsr-3232	214	15	smith	smith	PROPN
fsr-3232	214	16	-	-	PUNCT
fsr-3232	214	17	ramani	ramani	PROPN
fsr-3232	214	18	,	,	PUNCT
fsr-3232	214	19	j.	j.	PROPN
fsr-3232	214	20	(	(	PUNCT
fsr-3232	214	21	2012	2012	NUM
fsr-3232	214	22	)	)	PUNCT
fsr-3232	214	23	.	.	PUNCT
fsr-3232	215	1	playing	play	VERB
fsr-3232	215	2	the	the	DET
fsr-3232	215	3	savings	saving	NOUN
fsr-3232	215	4	game	game	NOUN
fsr-3232	215	5	:	:	PUNCT
fsr-3232	215	6	a	a	DET
fsr-3232	215	7	prize	prize	NOUN
fsr-3232	215	8	-	-	PUNCT
fsr-3232	215	9	linked	link	VERB
fsr-3232	215	10	savings	saving	NOUN
fsr-3232	215	11	report	report	NOUN
fsr-3232	215	12	.	.	PUNCT
fsr-3232	216	1	(	(	PUNCT
fsr-3232	216	2	available	available	ADJ
fsr-3232	216	3	at	at	ADP
fsr-3232	216	4	http://www.d2dfund.org/files/publications/playingtsg_report_2012_singlepgs.pdf	http://www.d2dfund.org/files/publications/playingtsg_report_2012_singlepgs.pdf	PROPN
fsr-3232	216	5	)	)	PUNCT
fsr-3232	216	6	.	.	PUNCT
fsr-3232	217	1	america	america	PROPN
fsr-3232	217	2	saves	save	VERB
fsr-3232	217	3	.	.	PUNCT
fsr-3232	218	1	(	(	PUNCT
fsr-3232	218	2	2010	2010	NUM
fsr-3232	218	3	)	)	PUNCT
fsr-3232	218	4	.	.	PUNCT
fsr-3232	219	1	as	as	SCONJ
fsr-3232	219	2	america	america	PROPN
fsr-3232	219	3	saves	save	VERB
fsr-3232	219	4	week	week	NOUN
fsr-3232	219	5	begins	begin	VERB
fsr-3232	219	6	,	,	PUNCT
fsr-3232	219	7	groups	group	NOUN
fsr-3232	219	8	release	release	VERB
fsr-3232	219	9	survey	survey	NOUN
fsr-3232	219	10	suggesting	suggest	VERB
fsr-3232	219	11	recession	recession	NOUN
fsr-3232	219	12	has	have	AUX
fsr-3232	219	13	eroded	erode	VERB
fsr-3232	219	14	savings	saving	NOUN
fsr-3232	219	15	practices	practice	NOUN
fsr-3232	219	16	and	and	CCONJ
fsr-3232	219	17	discuss	discuss	VERB
fsr-3232	219	18	their	their	PRON
fsr-3232	219	19	efforts	effort	NOUN
fsr-3232	219	20	to	to	PART
fsr-3232	219	21	stop	stop	VERB
fsr-3232	219	22	this	this	DET
fsr-3232	219	23	erosion	erosion	NOUN
fsr-3232	219	24	.	.	PUNCT
fsr-3232	220	1	annual	annual	PROPN
fsr-3232	220	2	america	america	PROPN
fsr-3232	220	3	saves	save	VERB
fsr-3232	220	4	/	/	SYM
fsr-3232	220	5	american	american	ADJ
fsr-3232	220	6	savings	saving	NOUN
fsr-3232	220	7	education	education	PROPN
fsr-3232	220	8	council	council	NOUN
fsr-3232	220	9	survey	survey	NOUN
fsr-3232	220	10	.	.	PUNCT
fsr-3232	221	1	(	(	PUNCT
fsr-3232	221	2	available	available	ADJ
fsr-3232	221	3	at	at	ADP
fsr-3232	221	4	http://americasavesweek.org/media-room	http://americasavesweek.org/media-room	NOUN
fsr-3232	221	5	)	)	PUNCT
fsr-3232	221	6	.	.	PUNCT
fsr-3232	222	1	bajtelsmit	bajtelsmit	NOUN
fsr-3232	222	2	,	,	PUNCT
fsr-3232	222	3	v.	v.	PROPN
fsr-3232	222	4	l.	l.	PROPN
fsr-3232	222	5	,	,	PUNCT
fsr-3232	222	6	bernasek	bernasek	PROPN
fsr-3232	222	7	,	,	PUNCT
fsr-3232	222	8	a.	a.	NOUN
fsr-3232	222	9	,	,	PUNCT
fsr-3232	222	10	&	&	CCONJ
fsr-3232	222	11	jianakoplos	jianakoplos	PROPN
fsr-3232	222	12	,	,	PUNCT
fsr-3232	222	13	n.	n.	PROPN
fsr-3232	222	14	a.	a.	PROPN
fsr-3232	223	1	(	(	PUNCT
fsr-3232	223	2	1999	1999	NUM
fsr-3232	223	3	)	)	PUNCT
fsr-3232	223	4	.	.	PUNCT
fsr-3232	224	1	gender	gender	NOUN
fsr-3232	224	2	differences	difference	NOUN
fsr-3232	224	3	in	in	ADP
fsr-3232	224	4	defined	define	VERB
fsr-3232	224	5	contribution	contribution	NOUN
fsr-3232	224	6	pension	pension	NOUN
fsr-3232	224	7	decisions	decision	NOUN
fsr-3232	224	8	.	.	PUNCT
fsr-3232	225	1	financial	financial	ADJ
fsr-3232	225	2	services	service	NOUN
fsr-3232	225	3	review	review	NOUN
fsr-3232	225	4	,	,	PUNCT
fsr-3232	225	5	8	8	NUM
fsr-3232	225	6	,	,	PUNCT
fsr-3232	225	7	1–10	1–10	NOUN
fsr-3232	225	8	.	.	PUNCT
fsr-3232	225	9	bajtelsmit	bajtelsmit	NOUN
fsr-3232	225	10	,	,	PUNCT
fsr-3232	225	11	v.	v.	PROPN
fsr-3232	225	12	l.	l.	PROPN
fsr-3232	225	13	,	,	PUNCT
fsr-3232	225	14	&	&	CCONJ
fsr-3232	225	15	vanderhei	vanderhei	PROPN
fsr-3232	225	16	,	,	PUNCT
fsr-3232	225	17	j.	j.	PROPN
fsr-3232	225	18	a.	a.	PROPN
fsr-3232	225	19	(	(	PUNCT
fsr-3232	225	20	1997	1997	NUM
fsr-3232	225	21	)	)	PUNCT
fsr-3232	225	22	.	.	PUNCT
fsr-3232	226	1	risk	risk	NOUN
fsr-3232	226	2	aversion	aversion	NOUN
fsr-3232	226	3	and	and	CCONJ
fsr-3232	226	4	retirement	retirement	NOUN
fsr-3232	226	5	income	income	NOUN
fsr-3232	226	6	adequacy	adequacy	NOUN
fsr-3232	226	7	.	.	PUNCT
fsr-3232	227	1	in	in	ADP
fsr-3232	227	2	m.	m.	PROPN
fsr-3232	227	3	s.	s.	PROPN
fsr-3232	227	4	gordon	gordon	PROPN
fsr-3232	227	5	,	,	PUNCT
fsr-3232	227	6	o.	o.	PROPN
fsr-3232	227	7	s.	s.	PROPN
fsr-3232	227	8	mitchell	mitchell	PROPN
fsr-3232	227	9	,	,	PUNCT
fsr-3232	227	10	&	&	CCONJ
fsr-3232	227	11	m.	m.	PROPN
fsr-3232	227	12	m.	m.	PROPN
fsr-3232	227	13	twinney	twinney	PROPN
fsr-3232	227	14	(	(	PUNCT
fsr-3232	227	15	eds	ed	NOUN
fsr-3232	227	16	.	.	PUNCT
fsr-3232	227	17	)	)	PUNCT
fsr-3232	227	18	,	,	PUNCT
fsr-3232	227	19	positioning	position	VERB
fsr-3232	227	20	pensions	pension	NOUN
fsr-3232	227	21	for	for	ADP
fsr-3232	227	22	the	the	DET
fsr-3232	227	23	twenty	twenty	NUM
fsr-3232	227	24	-	-	PUNCT
fsr-3232	227	25	first	first	ADJ
fsr-3232	227	26	century	century	NOUN
fsr-3232	227	27	.	.	PUNCT
fsr-3232	228	1	philadelphia	philadelphia	PROPN
fsr-3232	228	2	,	,	PUNCT
fsr-3232	228	3	pa	pa	PROPN
fsr-3232	228	4	:	:	PUNCT
fsr-3232	228	5	university	university	PROPN
fsr-3232	228	6	of	of	ADP
fsr-3232	228	7	pennsylvania	pennsylvania	PROPN
fsr-3232	228	8	press	press	PROPN
fsr-3232	228	9	.	.	PUNCT
fsr-3232	229	1	berger	berger	PROPN
fsr-3232	229	2	,	,	PUNCT
fsr-3232	229	3	e.	e.	PROPN
fsr-3232	229	4	,	,	PUNCT
fsr-3232	229	5	&	&	CCONJ
fsr-3232	229	6	denton	denton	PROPN
fsr-3232	229	7	,	,	PUNCT
fsr-3232	229	8	m.	m.	NOUN
fsr-3232	229	9	(	(	PUNCT
fsr-3232	229	10	2004	2004	NUM
fsr-3232	229	11	)	)	PUNCT
fsr-3232	229	12	.	.	PUNCT
fsr-3232	230	1	the	the	DET
fsr-3232	230	2	interplay	interplay	NOUN
fsr-3232	230	3	between	between	ADP
fsr-3232	230	4	women	woman	NOUN
fsr-3232	230	5	’s	’s	PART
fsr-3232	230	6	work	work	NOUN
fsr-3232	230	7	histories	history	NOUN
fsr-3232	230	8	and	and	CCONJ
fsr-3232	230	9	financial	financial	ADJ
fsr-3232	230	10	planning	planning	NOUN
fsr-3232	230	11	for	for	ADP
fsr-3232	230	12	later	later	ADJ
fsr-3232	230	13	life	life	NOUN
fsr-3232	230	14	.	.	PUNCT
fsr-3232	231	1	canadian	canadian	ADJ
fsr-3232	231	2	journal	journal	PROPN
fsr-3232	231	3	on	on	ADP
fsr-3232	231	4	aging	age	VERB
fsr-3232	231	5	,	,	PUNCT
fsr-3232	231	6	23	23	NUM
fsr-3232	231	7	,	,	PUNCT
fsr-3232	231	8	99–113	99–113	PROPN
fsr-3232	231	9	.	.	PUNCT
fsr-3232	232	1	blau	blau	PROPN
fsr-3232	232	2	,	,	PUNCT
fsr-3232	232	3	f.	f.	PROPN
fsr-3232	232	4	d.	d.	PROPN
fsr-3232	232	5	,	,	PUNCT
fsr-3232	232	6	&	&	CCONJ
fsr-3232	232	7	kahn	kahn	PROPN
fsr-3232	232	8	,	,	PUNCT
fsr-3232	232	9	l.	l.	PROPN
fsr-3232	232	10	m.	m.	PROPN
fsr-3232	232	11	(	(	PUNCT
fsr-3232	232	12	1997	1997	NUM
fsr-3232	232	13	)	)	PUNCT
fsr-3232	232	14	.	.	PUNCT
fsr-3232	233	1	swimming	swimming	NOUN
fsr-3232	233	2	upstream	upstream	NOUN
fsr-3232	233	3	:	:	PUNCT
fsr-3232	233	4	trends	trend	NOUN
fsr-3232	233	5	in	in	ADP
fsr-3232	233	6	the	the	DET
fsr-3232	233	7	gender	gender	NOUN
fsr-3232	233	8	wage	wage	NOUN
fsr-3232	233	9	differential	differential	NOUN
fsr-3232	233	10	in	in	ADP
fsr-3232	233	11	the	the	DET
fsr-3232	233	12	1980s	1980s	NUM
fsr-3232	233	13	.	.	PUNCT
fsr-3232	234	1	journal	journal	PROPN
fsr-3232	234	2	of	of	ADP
fsr-3232	234	3	labor	labor	NOUN
fsr-3232	234	4	economics	economic	NOUN
fsr-3232	234	5	,	,	PUNCT
fsr-3232	234	6	15	15	NUM
fsr-3232	234	7	,	,	PUNCT
fsr-3232	234	8	1–42	1–42	PROPN
fsr-3232	234	9	.	.	PUNCT
fsr-3232	235	1	11p.j	11p.j	NUM
fsr-3232	235	2	.	.	PUNCT
fsr-3232	236	1	fisher	fisher	PROPN
fsr-3232	236	2	et	et	PROPN
fsr-3232	236	3	al	al	PROPN
fsr-3232	236	4	.	.	PUNCT
fsr-3232	236	5	/	/	SYM
fsr-3232	236	6	financial	financial	ADJ
fsr-3232	236	7	services	service	NOUN
fsr-3232	236	8	review	review	VERB
fsr-3232	236	9	24	24	NUM
fsr-3232	236	10	(	(	PUNCT
fsr-3232	236	11	2015	2015	NUM
fsr-3232	236	12	)	)	PUNCT
fsr-3232	236	13	1–13	1–13	PROPN
fsr-3232	236	14	blau	blau	NOUN
fsr-3232	236	15	,	,	PUNCT
fsr-3232	236	16	f.	f.	PROPN
fsr-3232	236	17	d.	d.	PROPN
fsr-3232	236	18	,	,	PUNCT
fsr-3232	236	19	&	&	CCONJ
fsr-3232	236	20	kahn	kahn	PROPN
fsr-3232	236	21	,	,	PUNCT
fsr-3232	236	22	l.	l.	PROPN
fsr-3232	236	23	m.	m.	PROPN
fsr-3232	236	24	(	(	PUNCT
fsr-3232	236	25	2000	2000	NUM
fsr-3232	236	26	)	)	PUNCT
fsr-3232	236	27	.	.	PUNCT
fsr-3232	237	1	gender	gender	NOUN
fsr-3232	237	2	differences	difference	NOUN
fsr-3232	237	3	in	in	ADP
fsr-3232	237	4	pay	pay	NOUN
fsr-3232	237	5	.	.	PUNCT
fsr-3232	238	1	journal	journal	NOUN
fsr-3232	238	2	of	of	ADP
fsr-3232	238	3	economic	economic	ADJ
fsr-3232	238	4	perspectives	perspective	NOUN
fsr-3232	238	5	,	,	PUNCT
fsr-3232	238	6	14	14	NUM
fsr-3232	238	7	,	,	PUNCT
fsr-3232	238	8	75–99	75–99	NUM
fsr-3232	238	9	.	.	PUNCT
fsr-3232	239	1	board	board	NOUN
fsr-3232	239	2	of	of	ADP
fsr-3232	239	3	governors	governor	NOUN
fsr-3232	239	4	of	of	ADP
fsr-3232	239	5	the	the	DET
fsr-3232	239	6	federal	federal	PROPN
fsr-3232	239	7	reserve	reserve	PROPN
fsr-3232	239	8	system	system	NOUN
fsr-3232	239	9	.	.	PUNCT
fsr-3232	240	1	(	(	PUNCT
fsr-3232	240	2	2012	2012	NUM
fsr-3232	240	3	)	)	PUNCT
fsr-3232	240	4	.	.	PUNCT
fsr-3232	241	1	codebook	codebook	NOUN
fsr-3232	241	2	for	for	ADP
fsr-3232	241	3	2012	2012	NUM
fsr-3232	241	4	survey	survey	NOUN
fsr-3232	241	5	of	of	ADP
fsr-3232	241	6	consumer	consumer	NOUN
fsr-3232	241	7	finances	finance	NOUN
fsr-3232	241	8	.	.	PUNCT
fsr-3232	242	1	division	division	NOUN
fsr-3232	242	2	of	of	ADP
fsr-3232	242	3	research	research	NOUN
fsr-3232	242	4	and	and	CCONJ
fsr-3232	242	5	statistics	statistic	NOUN
fsr-3232	242	6	.	.	PUNCT
fsr-3232	243	1	(	(	PUNCT
fsr-3232	243	2	available	available	ADJ
fsr-3232	243	3	from	from	ADP
fsr-3232	243	4	http://www.federalreserve.gov/econresdata/scf/files/	http://www.federalreserve.gov/econresdata/scf/files/	PROPN
fsr-3232	243	5	codebk2010.txt	codebk2010.txt	NOUN
fsr-3232	243	6	)	)	PUNCT
fsr-3232	243	7	.	.	PUNCT
fsr-3232	244	1	chang	chang	PROPN
fsr-3232	244	2	,	,	PUNCT
fsr-3232	244	3	m.	m.	NOUN
fsr-3232	244	4	(	(	PUNCT
fsr-3232	244	5	2004	2004	NUM
fsr-3232	244	6	)	)	PUNCT
fsr-3232	244	7	.	.	PUNCT
fsr-3232	245	1	his	his	PRON
fsr-3232	245	2	and	and	CCONJ
fsr-3232	245	3	hers	hers	PROPN
fsr-3232	245	4	:	:	PUNCT
fsr-3232	245	5	explaining	explain	VERB
fsr-3232	245	6	the	the	DET
fsr-3232	245	7	gender	gender	NOUN
fsr-3232	245	8	wealth	wealth	NOUN
fsr-3232	245	9	gap	gap	NOUN
fsr-3232	245	10	.	.	PUNCT
fsr-3232	246	1	annual	annual	ADJ
fsr-3232	246	2	meeting	meeting	NOUN
fsr-3232	246	3	of	of	ADP
fsr-3232	246	4	the	the	DET
fsr-3232	246	5	american	american	ADJ
fsr-3232	246	6	sociological	sociological	PROPN
fsr-3232	246	7	association	association	PROPN
fsr-3232	246	8	.	.	PUNCT
fsr-3232	247	1	(	(	PUNCT
fsr-3232	247	2	available	available	ADJ
fsr-3232	247	3	from	from	ADP
fsr-3232	247	4	http://www.allacademic.com/meta/p109260_index.html	http://www.allacademic.com/meta/p109260_index.html	PROPN
fsr-3232	247	5	)	)	PUNCT
fsr-3232	247	6	.	.	PUNCT
fsr-3232	248	1	chen	chen	PROPN
fsr-3232	248	2	,	,	PUNCT
fsr-3232	248	3	h.	h.	PROPN
fsr-3232	248	4	,	,	PUNCT
fsr-3232	248	5	&	&	CCONJ
fsr-3232	248	6	volpe	volpe	PROPN
fsr-3232	248	7	,	,	PUNCT
fsr-3232	248	8	r.	r.	PROPN
fsr-3232	248	9	p.	p.	PROPN
fsr-3232	248	10	(	(	PUNCT
fsr-3232	248	11	2002	2002	NUM
fsr-3232	248	12	)	)	PUNCT
fsr-3232	248	13	.	.	PUNCT
fsr-3232	249	1	gender	gender	NOUN
fsr-3232	249	2	difference	difference	NOUN
fsr-3232	249	3	in	in	ADP
fsr-3232	249	4	personal	personal	ADJ
fsr-3232	249	5	financial	financial	ADJ
fsr-3232	249	6	literacy	literacy	NOUN
fsr-3232	249	7	among	among	ADP
fsr-3232	249	8	college	college	NOUN
fsr-3232	249	9	students	student	NOUN
fsr-3232	249	10	.	.	PUNCT
fsr-3232	250	1	financial	financial	ADJ
fsr-3232	250	2	services	service	NOUN
fsr-3232	250	3	review	review	PROPN
fsr-3232	250	4	,	,	PUNCT
fsr-3232	250	5	11	11	NUM
fsr-3232	250	6	,	,	PUNCT
fsr-3232	250	7	289–307	289–307	NUM
fsr-3232	250	8	.	.	PUNCT
fsr-3232	251	1	elder	elder	NOUN
fsr-3232	251	2	,	,	PUNCT
fsr-3232	251	3	h.	h.	PROPN
fsr-3232	251	4	w.	w.	PROPN
fsr-3232	251	5	,	,	PUNCT
fsr-3232	251	6	&	&	CCONJ
fsr-3232	251	7	rudolph	rudolph	PROPN
fsr-3232	251	8	,	,	PUNCT
fsr-3232	251	9	p.	p.	NOUN
fsr-3232	251	10	m.	m.	NOUN
fsr-3232	251	11	(	(	PUNCT
fsr-3232	251	12	2000	2000	NUM
fsr-3232	251	13	)	)	PUNCT
fsr-3232	251	14	.	.	PUNCT
fsr-3232	252	1	beliefs	belief	NOUN
fsr-3232	252	2	and	and	CCONJ
fsr-3232	252	3	actions	action	NOUN
fsr-3232	252	4	:	:	PUNCT
fsr-3232	252	5	expectations	expectation	NOUN
fsr-3232	252	6	and	and	CCONJ
fsr-3232	252	7	savings	saving	NOUN
fsr-3232	252	8	decisions	decision	NOUN
fsr-3232	252	9	by	by	ADP
fsr-3232	252	10	older	old	ADJ
fsr-3232	252	11	americans	americans	PROPN
fsr-3232	252	12	.	.	PUNCT
fsr-3232	253	1	financial	financial	ADJ
fsr-3232	253	2	services	service	NOUN
fsr-3232	253	3	review	review	NOUN
fsr-3232	253	4	,	,	PUNCT
fsr-3232	253	5	9	9	NUM
fsr-3232	253	6	,	,	PUNCT
fsr-3232	253	7	33–45	33–45	NUM
fsr-3232	253	8	.	.	PUNCT
fsr-3232	253	9	embrey	embrey	PROPN
fsr-3232	253	10	,	,	PUNCT
fsr-3232	253	11	l.	l.	PROPN
fsr-3232	253	12	,	,	PUNCT
fsr-3232	253	13	&	&	CCONJ
fsr-3232	253	14	fox	fox	PROPN
fsr-3232	253	15	,	,	PUNCT
fsr-3232	253	16	j.	j.	PROPN
fsr-3232	253	17	(	(	PUNCT
fsr-3232	253	18	1997	1997	NUM
fsr-3232	253	19	)	)	PUNCT
fsr-3232	253	20	.	.	PUNCT
fsr-3232	254	1	gender	gender	NOUN
fsr-3232	254	2	differences	difference	NOUN
fsr-3232	254	3	in	in	ADP
fsr-3232	254	4	the	the	DET
fsr-3232	254	5	investment	investment	NOUN
fsr-3232	254	6	decision	decision	NOUN
fsr-3232	254	7	-	-	PUNCT
fsr-3232	254	8	making	make	VERB
fsr-3232	254	9	process	process	NOUN
fsr-3232	254	10	.	.	PUNCT
fsr-3232	255	1	financial	financial	ADJ
fsr-3232	255	2	counseling	counseling	NOUN
fsr-3232	255	3	and	and	CCONJ
fsr-3232	255	4	planning	planning	NOUN
fsr-3232	255	5	,	,	PUNCT
fsr-3232	255	6	8	8	NUM
fsr-3232	255	7	,	,	PUNCT
fsr-3232	255	8	33–40	33–40	NUM
fsr-3232	255	9	.	.	PUNCT
fsr-3232	256	1	faff	faff	PROPN
fsr-3232	256	2	,	,	PUNCT
fsr-3232	256	3	r.	r.	PROPN
fsr-3232	256	4	,	,	PUNCT
fsr-3232	256	5	mulino	mulino	PROPN
fsr-3232	256	6	,	,	PUNCT
fsr-3232	256	7	d.	d.	PROPN
fsr-3232	256	8	,	,	PUNCT
fsr-3232	256	9	&	&	CCONJ
fsr-3232	256	10	chai	chai	NOUN
fsr-3232	256	11	,	,	PUNCT
fsr-3232	256	12	d.	d.	PROPN
fsr-3232	256	13	(	(	PUNCT
fsr-3232	256	14	2008	2008	NUM
fsr-3232	256	15	)	)	PUNCT
fsr-3232	256	16	.	.	PUNCT
fsr-3232	257	1	on	on	ADP
fsr-3232	257	2	the	the	DET
fsr-3232	257	3	linkage	linkage	NOUN
fsr-3232	257	4	between	between	ADP
fsr-3232	257	5	financial	financial	ADJ
fsr-3232	257	6	risk	risk	NOUN
fsr-3232	257	7	tolerance	tolerance	NOUN
fsr-3232	257	8	and	and	CCONJ
fsr-3232	257	9	risk	risk	NOUN
fsr-3232	257	10	aversion	aversion	NOUN
fsr-3232	257	11	.	.	PUNCT
fsr-3232	258	1	journal	journal	PROPN
fsr-3232	258	2	of	of	ADP
fsr-3232	258	3	financial	financial	ADJ
fsr-3232	258	4	research	research	NOUN
fsr-3232	258	5	,	,	PUNCT
fsr-3232	258	6	31	31	NUM
fsr-3232	258	7	,	,	PUNCT
fsr-3232	258	8	1–23	1–23	PROPN
fsr-3232	258	9	.	.	PUNCT
fsr-3232	259	1	fisher	fisher	PROPN
fsr-3232	259	2	,	,	PUNCT
fsr-3232	259	3	p.	p.	PROPN
fsr-3232	259	4	j.	j.	PROPN
fsr-3232	259	5	(	(	PUNCT
fsr-3232	259	6	2010a	2010a	NUM
fsr-3232	259	7	)	)	PUNCT
fsr-3232	259	8	.	.	PUNCT
fsr-3232	260	1	black	black	ADJ
fsr-3232	260	2	-	-	PUNCT
fsr-3232	260	3	white	white	ADJ
fsr-3232	260	4	differences	difference	NOUN
fsr-3232	260	5	in	in	ADP
fsr-3232	260	6	saving	save	VERB
fsr-3232	260	7	behaviors	behavior	NOUN
fsr-3232	260	8	.	.	PUNCT
fsr-3232	261	1	financial	financial	ADJ
fsr-3232	261	2	services	service	NOUN
fsr-3232	261	3	review	review	PROPN
fsr-3232	261	4	,	,	PUNCT
fsr-3232	261	5	19	19	NUM
fsr-3232	261	6	,	,	PUNCT
fsr-3232	261	7	1–16	1–16	NOUN
fsr-3232	261	8	.	.	PUNCT
fsr-3232	262	1	fisher	fisher	PROPN
fsr-3232	262	2	,	,	PUNCT
fsr-3232	262	3	p.	p.	PROPN
fsr-3232	262	4	j.	j.	PROPN
fsr-3232	262	5	(	(	PUNCT
fsr-3232	262	6	2010b	2010b	NUM
fsr-3232	262	7	)	)	PUNCT
fsr-3232	262	8	.	.	PUNCT
fsr-3232	263	1	gender	gender	NOUN
fsr-3232	263	2	differences	difference	NOUN
fsr-3232	263	3	in	in	ADP
fsr-3232	263	4	personal	personal	ADJ
fsr-3232	263	5	saving	saving	NOUN
fsr-3232	263	6	behaviors	behavior	NOUN
fsr-3232	263	7	.	.	PUNCT
fsr-3232	264	1	journal	journal	NOUN
fsr-3232	264	2	of	of	ADP
fsr-3232	264	3	financial	financial	ADJ
fsr-3232	264	4	counseling	counseling	NOUN
fsr-3232	264	5	and	and	CCONJ
fsr-3232	264	6	planning	planning	NOUN
fsr-3232	264	7	,	,	PUNCT
fsr-3232	264	8	21	21	NUM
fsr-3232	264	9	,	,	PUNCT
fsr-3232	264	10	14–24	14–24	NUM
fsr-3232	264	11	.	.	PUNCT
fsr-3232	265	1	grable	grable	PROPN
fsr-3232	265	2	,	,	PUNCT
fsr-3232	265	3	j.	j.	PROPN
fsr-3232	265	4	(	(	PUNCT
fsr-3232	265	5	2000	2000	NUM
fsr-3232	265	6	)	)	PUNCT
fsr-3232	265	7	.	.	PUNCT
fsr-3232	266	1	financial	financial	ADJ
fsr-3232	266	2	risk	risk	NOUN
fsr-3232	266	3	tolerance	tolerance	NOUN
fsr-3232	266	4	and	and	CCONJ
fsr-3232	266	5	additional	additional	ADJ
fsr-3232	266	6	factors	factor	NOUN
fsr-3232	266	7	that	that	PRON
fsr-3232	266	8	affect	affect	VERB
fsr-3232	266	9	risk	risk	NOUN
fsr-3232	266	10	taking	take	VERB
fsr-3232	266	11	in	in	ADP
fsr-3232	266	12	everyday	everyday	ADJ
fsr-3232	266	13	money	money	NOUN
fsr-3232	266	14	matters	matter	NOUN
fsr-3232	266	15	.	.	PUNCT
fsr-3232	267	1	journal	journal	NOUN
fsr-3232	267	2	of	of	ADP
fsr-3232	267	3	business	business	NOUN
fsr-3232	267	4	and	and	CCONJ
fsr-3232	267	5	psychology	psychology	NOUN
fsr-3232	267	6	,	,	PUNCT
fsr-3232	267	7	14	14	NUM
fsr-3232	267	8	,	,	PUNCT
fsr-3232	267	9	625–630	625–630	NUM
fsr-3232	267	10	.	.	PUNCT
fsr-3232	268	1	grable	grable	PROPN
fsr-3232	268	2	,	,	PUNCT
fsr-3232	268	3	j.	j.	PROPN
fsr-3232	268	4	e.	e.	PROPN
fsr-3232	268	5	,	,	PUNCT
fsr-3232	268	6	&	&	CCONJ
fsr-3232	268	7	joo	joo	PROPN
fsr-3232	268	8	,	,	PUNCT
fsr-3232	268	9	s.-h	s.-h	NOUN
fsr-3232	268	10	.	.	PUNCT
fsr-3232	269	1	(	(	PUNCT
fsr-3232	269	2	2004	2004	NUM
fsr-3232	269	3	)	)	PUNCT
fsr-3232	269	4	.	.	PUNCT
fsr-3232	270	1	environmental	environmental	ADJ
fsr-3232	270	2	and	and	CCONJ
fsr-3232	270	3	biopsychosocial	biopsychosocial	ADJ
fsr-3232	270	4	factors	factor	NOUN
fsr-3232	270	5	associated	associate	VERB
fsr-3232	270	6	with	with	ADP
fsr-3232	270	7	financial	financial	ADJ
fsr-3232	270	8	risk	risk	NOUN
fsr-3232	270	9	tolerance	tolerance	NOUN
fsr-3232	270	10	.	.	PUNCT
fsr-3232	271	1	financial	financial	ADJ
fsr-3232	271	2	counseling	counseling	NOUN
fsr-3232	271	3	and	and	CCONJ
fsr-3232	271	4	planning	planning	NOUN
fsr-3232	271	5	,	,	PUNCT
fsr-3232	271	6	15	15	NUM
fsr-3232	271	7	,	,	PUNCT
fsr-3232	271	8	73–82	73–82	NUM
fsr-3232	271	9	.	.	PUNCT
fsr-3232	272	1	graham	graham	PROPN
fsr-3232	272	2	,	,	PUNCT
fsr-3232	272	3	j.	j.	PROPN
fsr-3232	272	4	f.	f.	PROPN
fsr-3232	272	5	,	,	PUNCT
fsr-3232	272	6	stendardi	stendardi	PROPN
fsr-3232	272	7	,	,	PUNCT
fsr-3232	272	8	e.	e.	PROPN
fsr-3232	272	9	j.	j.	PROPN
fsr-3232	272	10	,	,	PUNCT
fsr-3232	272	11	myers	myers	PROPN
fsr-3232	272	12	,	,	PUNCT
fsr-3232	272	13	j.	j.	PROPN
fsr-3232	272	14	k.	k.	PROPN
fsr-3232	272	15	,	,	PUNCT
fsr-3232	272	16	&	&	CCONJ
fsr-3232	272	17	graham	graham	PROPN
fsr-3232	272	18	,	,	PUNCT
fsr-3232	272	19	m.	m.	PROPN
fsr-3232	272	20	j.	j.	PROPN
fsr-3232	272	21	(	(	PUNCT
fsr-3232	272	22	2002	2002	NUM
fsr-3232	272	23	)	)	PUNCT
fsr-3232	272	24	.	.	PUNCT
fsr-3232	273	1	gender	gender	NOUN
fsr-3232	273	2	differences	difference	NOUN
fsr-3232	273	3	in	in	ADP
fsr-3232	273	4	investment	investment	NOUN
fsr-3232	273	5	strategies	strategy	NOUN
fsr-3232	273	6	:	:	PUNCT
fsr-3232	273	7	an	an	DET
fsr-3232	273	8	information	information	NOUN
fsr-3232	273	9	processing	processing	NOUN
fsr-3232	273	10	perspective	perspective	NOUN
fsr-3232	273	11	.	.	PUNCT
fsr-3232	274	1	the	the	DET
fsr-3232	274	2	international	international	ADJ
fsr-3232	274	3	journal	journal	NOUN
fsr-3232	274	4	of	of	ADP
fsr-3232	274	5	bank	bank	PROPN
fsr-3232	274	6	marketing	marketing	NOUN
fsr-3232	274	7	,	,	PUNCT
fsr-3232	274	8	20	20	NUM
fsr-3232	274	9	,	,	PUNCT
fsr-3232	274	10	17–26	17–26	NUM
fsr-3232	274	11	.	.	PUNCT
fsr-3232	275	1	hallahan	hallahan	PROPN
fsr-3232	275	2	,	,	PUNCT
fsr-3232	275	3	t.	t.	PROPN
fsr-3232	275	4	a.	a.	PROPN
fsr-3232	275	5	,	,	PUNCT
fsr-3232	275	6	faff	faff	PROPN
fsr-3232	275	7	,	,	PUNCT
fsr-3232	275	8	r.	r.	PROPN
fsr-3232	275	9	w.	w.	PROPN
fsr-3232	275	10	,	,	PUNCT
fsr-3232	275	11	&	&	CCONJ
fsr-3232	275	12	mckenzie	mckenzie	PROPN
fsr-3232	275	13	,	,	PUNCT
fsr-3232	275	14	m.	m.	PROPN
fsr-3232	275	15	d.	d.	PROPN
fsr-3232	275	16	(	(	PUNCT
fsr-3232	275	17	2004	2004	NUM
fsr-3232	275	18	)	)	PUNCT
fsr-3232	275	19	.	.	PUNCT
fsr-3232	276	1	an	an	DET
fsr-3232	276	2	empirical	empirical	ADJ
fsr-3232	276	3	investigation	investigation	NOUN
fsr-3232	276	4	of	of	ADP
fsr-3232	276	5	personal	personal	ADJ
fsr-3232	276	6	financial	financial	ADJ
fsr-3232	276	7	risk	risk	NOUN
fsr-3232	276	8	tolerance	tolerance	NOUN
fsr-3232	276	9	.	.	PUNCT
fsr-3232	277	1	financial	financial	ADJ
fsr-3232	277	2	services	service	NOUN
fsr-3232	277	3	review	review	PROPN
fsr-3232	277	4	,	,	PUNCT
fsr-3232	277	5	13	13	NUM
fsr-3232	277	6	,	,	PUNCT
fsr-3232	277	7	57–78	57–78	NUM
fsr-3232	277	8	.	.	PUNCT
fsr-3232	278	1	hays	hay	NOUN
fsr-3232	278	2	,	,	PUNCT
fsr-3232	278	3	e.	e.	PROPN
fsr-3232	278	4	,	,	PUNCT
fsr-3232	278	5	&	&	CCONJ
fsr-3232	278	6	flannery	flannery	PROPN
fsr-3232	278	7	,	,	PUNCT
fsr-3232	278	8	d.	d.	PROPN
fsr-3232	278	9	d.	d.	PROPN
fsr-3232	278	10	(	(	PUNCT
fsr-3232	278	11	2000	2000	NUM
fsr-3232	278	12	)	)	PUNCT
fsr-3232	278	13	.	.	PUNCT
fsr-3232	279	1	women	woman	NOUN
fsr-3232	279	2	as	as	ADP
fsr-3232	279	3	learners	learner	NOUN
fsr-3232	279	4	.	.	PUNCT
fsr-3232	280	1	san	san	PROPN
fsr-3232	280	2	francisco	francisco	PROPN
fsr-3232	280	3	,	,	PUNCT
fsr-3232	280	4	ca	ca	NOUN
fsr-3232	280	5	:	:	PUNCT
fsr-3232	280	6	jossey	jossey	NOUN
fsr-3232	280	7	-	-	PUNCT
fsr-3232	280	8	bass	bass	NOUN
fsr-3232	280	9	.	.	PUNCT
fsr-3232	281	1	hayhoe	hayhoe	PROPN
fsr-3232	281	2	,	,	PUNCT
fsr-3232	281	3	c.	c.	PROPN
fsr-3232	281	4	r.	r.	PROPN
fsr-3232	281	5	,	,	PUNCT
fsr-3232	281	6	&	&	CCONJ
fsr-3232	281	7	gutter	gutter	NOUN
fsr-3232	281	8	,	,	PUNCT
fsr-3232	281	9	m.	m.	NOUN
fsr-3232	281	10	(	(	PUNCT
fsr-3232	281	11	2012	2012	NUM
fsr-3232	281	12	)	)	PUNCT
fsr-3232	281	13	.	.	PUNCT
fsr-3232	282	1	reliability	reliability	NOUN
fsr-3232	282	2	of	of	ADP
fsr-3232	282	3	the	the	DET
fsr-3232	282	4	scales	scale	NOUN
fsr-3232	282	5	in	in	ADP
fsr-3232	282	6	the	the	DET
fsr-3232	282	7	nc1172	nc1172	NOUN
fsr-3232	282	8	complex	complex	ADJ
fsr-3232	282	9	nature	nature	NOUN
fsr-3232	282	10	of	of	ADP
fsr-3232	282	11	saving	save	VERB
fsr-3232	282	12	data	datum	NOUN
fsr-3232	282	13	set	set	VERB
fsr-3232	282	14	.	.	PUNCT
fsr-3232	283	1	family	family	NOUN
fsr-3232	283	2	and	and	CCONJ
fsr-3232	283	3	consumer	consumer	NOUN
fsr-3232	283	4	sciences	sciences	PROPN
fsr-3232	283	5	research	research	NOUN
fsr-3232	283	6	journal	journal	NOUN
fsr-3232	283	7	,	,	PUNCT
fsr-3232	283	8	40	40	NUM
fsr-3232	283	9	,	,	PUNCT
fsr-3232	283	10	284–294	284–294	NUM
fsr-3232	283	11	.	.	PUNCT
fsr-3232	284	1	hinz	hinz	PROPN
fsr-3232	284	2	,	,	PUNCT
fsr-3232	284	3	r.	r.	PROPN
fsr-3232	284	4	p.	p.	PROPN
fsr-3232	284	5	,	,	PUNCT
fsr-3232	284	6	mccarthy	mccarthy	PROPN
fsr-3232	284	7	,	,	PUNCT
fsr-3232	284	8	d.	d.	PROPN
fsr-3232	284	9	d.	d.	PROPN
fsr-3232	284	10	,	,	PUNCT
fsr-3232	284	11	&	&	CCONJ
fsr-3232	284	12	turner	turner	PROPN
fsr-3232	284	13	,	,	PUNCT
fsr-3232	284	14	j.	j.	PROPN
fsr-3232	284	15	a.	a.	PROPN
fsr-3232	284	16	(	(	PUNCT
fsr-3232	284	17	1997	1997	NUM
fsr-3232	284	18	)	)	PUNCT
fsr-3232	284	19	.	.	PUNCT
fsr-3232	284	20	are	be	AUX
fsr-3232	284	21	women	woman	NOUN
fsr-3232	284	22	more	more	ADJ
fsr-3232	284	23	conservative	conservative	ADJ
fsr-3232	284	24	investors	investor	NOUN
fsr-3232	284	25	?	?	PUNCT
fsr-3232	285	1	gender	gender	NOUN
fsr-3232	285	2	differences	difference	NOUN
fsr-3232	285	3	in	in	ADP
fsr-3232	285	4	participant	participant	ADJ
fsr-3232	285	5	-	-	PUNCT
fsr-3232	285	6	directed	direct	VERB
fsr-3232	285	7	pension	pension	NOUN
fsr-3232	285	8	investments	investment	NOUN
fsr-3232	285	9	.	.	PUNCT
fsr-3232	286	1	in	in	ADP
fsr-3232	286	2	m.	m.	PROPN
fsr-3232	286	3	s.	s.	PROPN
fsr-3232	286	4	gordon	gordon	PROPN
fsr-3232	286	5	,	,	PUNCT
fsr-3232	286	6	o.	o.	PROPN
fsr-3232	286	7	s.	s.	PROPN
fsr-3232	286	8	mitchell	mitchell	PROPN
fsr-3232	286	9	,	,	PUNCT
fsr-3232	286	10	&	&	CCONJ
fsr-3232	286	11	m.	m.	PROPN
fsr-3232	286	12	m.	m.	PROPN
fsr-3232	286	13	twinney	twinney	PROPN
fsr-3232	286	14	(	(	PUNCT
fsr-3232	286	15	eds	ed	NOUN
fsr-3232	286	16	.	.	PUNCT
fsr-3232	286	17	)	)	PUNCT
fsr-3232	286	18	,	,	PUNCT
fsr-3232	286	19	positioning	position	VERB
fsr-3232	286	20	pensions	pension	NOUN
fsr-3232	286	21	for	for	ADP
fsr-3232	286	22	the	the	DET
fsr-3232	286	23	twenty	twenty	NUM
fsr-3232	286	24	-	-	PUNCT
fsr-3232	286	25	first	first	ADJ
fsr-3232	286	26	century	century	NOUN
fsr-3232	286	27	(	(	PUNCT
fsr-3232	286	28	pp	pp	ADJ
fsr-3232	286	29	.	.	PUNCT
fsr-3232	287	1	91–106	91–106	NUM
fsr-3232	287	2	)	)	PUNCT
fsr-3232	287	3	.	.	PUNCT
fsr-3232	288	1	philadelphia	philadelphia	PROPN
fsr-3232	288	2	,	,	PUNCT
fsr-3232	288	3	pa	pa	PROPN
fsr-3232	288	4	:	:	PUNCT
fsr-3232	288	5	university	university	PROPN
fsr-3232	288	6	of	of	ADP
fsr-3232	288	7	pennsylvania	pennsylvania	PROPN
fsr-3232	288	8	press	press	PROPN
fsr-3232	288	9	.	.	PUNCT
fsr-3232	289	1	hira	hira	PROPN
fsr-3232	289	2	,	,	PUNCT
fsr-3232	289	3	t.	t.	NOUN
fsr-3232	289	4	m.	m.	NOUN
fsr-3232	289	5	,	,	PUNCT
fsr-3232	289	6	&	&	CCONJ
fsr-3232	289	7	loibl	loibl	PROPN
fsr-3232	289	8	,	,	PUNCT
fsr-3232	289	9	c.	c.	PROPN
fsr-3232	289	10	(	(	PUNCT
fsr-3232	289	11	2005	2005	NUM
fsr-3232	289	12	)	)	PUNCT
fsr-3232	289	13	.	.	PUNCT
fsr-3232	290	1	understanding	understand	VERB
fsr-3232	290	2	the	the	DET
fsr-3232	290	3	impact	impact	NOUN
fsr-3232	290	4	of	of	ADP
fsr-3232	290	5	employer	employer	NOUN
fsr-3232	290	6	-	-	PUNCT
fsr-3232	290	7	provided	provide	VERB
fsr-3232	290	8	financial	financial	ADJ
fsr-3232	290	9	education	education	NOUN
fsr-3232	290	10	on	on	ADP
fsr-3232	290	11	workplace	workplace	ADJ
fsr-3232	290	12	satisfaction	satisfaction	NOUN
fsr-3232	290	13	.	.	PUNCT
fsr-3232	291	1	journal	journal	NOUN
fsr-3232	291	2	of	of	ADP
fsr-3232	291	3	consumer	consumer	NOUN
fsr-3232	291	4	affairs	affair	NOUN
fsr-3232	291	5	,	,	PUNCT
fsr-3232	291	6	39	39	NUM
fsr-3232	291	7	,	,	PUNCT
fsr-3232	291	8	173–194	173–194	NUM
fsr-3232	291	9	.	.	PUNCT
fsr-3232	292	1	hira	hira	PROPN
fsr-3232	292	2	,	,	PUNCT
fsr-3232	292	3	t.	t.	NOUN
fsr-3232	292	4	m.	m.	NOUN
fsr-3232	292	5	,	,	PUNCT
fsr-3232	292	6	&	&	CCONJ
fsr-3232	292	7	mugenda	mugenda	ADJ
fsr-3232	292	8	,	,	PUNCT
fsr-3232	292	9	t.	t.	PROPN
fsr-3232	292	10	k.	k.	PROPN
fsr-3232	292	11	(	(	PUNCT
fsr-3232	292	12	2000	2000	NUM
fsr-3232	292	13	)	)	PUNCT
fsr-3232	292	14	.	.	PUNCT
fsr-3232	293	1	gender	gender	NOUN
fsr-3232	293	2	differences	difference	NOUN
fsr-3232	293	3	in	in	ADP
fsr-3232	293	4	financial	financial	ADJ
fsr-3232	293	5	perceptions	perception	NOUN
fsr-3232	293	6	,	,	PUNCT
fsr-3232	293	7	behaviors	behavior	NOUN
fsr-3232	293	8	,	,	PUNCT
fsr-3232	293	9	and	and	CCONJ
fsr-3232	293	10	satisfaction	satisfaction	NOUN
fsr-3232	293	11	.	.	PUNCT
fsr-3232	294	1	journal	journal	NOUN
fsr-3232	294	2	of	of	ADP
fsr-3232	294	3	financial	financial	ADJ
fsr-3232	294	4	planning	planning	NOUN
fsr-3232	294	5	,	,	PUNCT
fsr-3232	294	6	13	13	NUM
fsr-3232	294	7	,	,	PUNCT
fsr-3232	294	8	86–92	86–92	NUM
fsr-3232	294	9	.	.	PUNCT
fsr-3232	295	1	jianakoplos	jianakoplos	PROPN
fsr-3232	295	2	,	,	PUNCT
fsr-3232	295	3	n.	n.	PROPN
fsr-3232	295	4	a.	a.	PROPN
fsr-3232	295	5	,	,	PUNCT
fsr-3232	295	6	&	&	CCONJ
fsr-3232	295	7	bernasek	bernasek	PROPN
fsr-3232	295	8	,	,	PUNCT
fsr-3232	295	9	a.	a.	NOUN
fsr-3232	295	10	(	(	PUNCT
fsr-3232	295	11	1998	1998	NUM
fsr-3232	295	12	)	)	PUNCT
fsr-3232	295	13	.	.	PUNCT
fsr-3232	295	14	are	be	AUX
fsr-3232	295	15	women	woman	NOUN
fsr-3232	295	16	more	more	ADJ
fsr-3232	295	17	risk	risk	NOUN
fsr-3232	295	18	averse	averse	ADJ
fsr-3232	295	19	?	?	PUNCT
fsr-3232	296	1	economic	economic	ADJ
fsr-3232	296	2	inquiry	inquiry	NOUN
fsr-3232	296	3	,	,	PUNCT
fsr-3232	296	4	36	36	NUM
fsr-3232	296	5	,	,	PUNCT
fsr-3232	296	6	620–630	620–630	NUM
fsr-3232	296	7	.	.	PUNCT
fsr-3232	297	1	kennickell	kennickell	PROPN
fsr-3232	297	2	,	,	PUNCT
fsr-3232	297	3	a.	a.	NOUN
fsr-3232	297	4	(	(	PUNCT
fsr-3232	297	5	1997	1997	NUM
fsr-3232	297	6	)	)	PUNCT
fsr-3232	297	7	.	.	PUNCT
fsr-3232	298	1	multiple	multiple	ADJ
fsr-3232	298	2	imputation	imputation	NOUN
fsr-3232	298	3	and	and	CCONJ
fsr-3232	298	4	disclosure	disclosure	NOUN
fsr-3232	298	5	protection	protection	NOUN
fsr-3232	298	6	:	:	PUNCT
fsr-3232	298	7	the	the	DET
fsr-3232	298	8	case	case	NOUN
fsr-3232	298	9	of	of	ADP
fsr-3232	298	10	the	the	DET
fsr-3232	298	11	1995	1995	NUM
fsr-3232	298	12	survey	survey	NOUN
fsr-3232	298	13	of	of	ADP
fsr-3232	298	14	consumer	consumer	NOUN
fsr-3232	298	15	finances	finance	NOUN
fsr-3232	298	16	.	.	PUNCT
fsr-3232	299	1	washington	washington	PROPN
fsr-3232	299	2	,	,	PUNCT
fsr-3232	299	3	dc	dc	PROPN
fsr-3232	299	4	:	:	PUNCT
fsr-3232	299	5	board	board	NOUN
fsr-3232	299	6	of	of	ADP
fsr-3232	299	7	governors	governor	NOUN
fsr-3232	299	8	of	of	ADP
fsr-3232	299	9	the	the	DET
fsr-3232	299	10	federal	federal	PROPN
fsr-3232	299	11	reserve	reserve	PROPN
fsr-3232	299	12	system	system	NOUN
fsr-3232	299	13	.	.	PUNCT
fsr-3232	300	1	kennickell	kennickell	PROPN
fsr-3232	300	2	,	,	PUNCT
fsr-3232	300	3	a.	a.	PROPN
fsr-3232	300	4	,	,	PUNCT
fsr-3232	300	5	&	&	CCONJ
fsr-3232	300	6	mcmanus	mcmanus	PROPN
fsr-3232	300	7	,	,	PUNCT
fsr-3232	300	8	d.	d.	PROPN
fsr-3232	300	9	a.	a.	PROPN
fsr-3232	300	10	(	(	PUNCT
fsr-3232	300	11	1993	1993	NUM
fsr-3232	300	12	,	,	PUNCT
fsr-3232	300	13	august	august	PROPN
fsr-3232	300	14	)	)	PUNCT
fsr-3232	300	15	.	.	PUNCT
fsr-3232	301	1	sampling	sample	VERB
fsr-3232	301	2	for	for	ADP
fsr-3232	301	3	household	household	NOUN
fsr-3232	301	4	financial	financial	ADJ
fsr-3232	301	5	characteristics	characteristic	NOUN
fsr-3232	301	6	using	use	VERB
fsr-3232	301	7	frame	frame	NOUN
fsr-3232	301	8	information	information	NOUN
fsr-3232	301	9	on	on	ADP
fsr-3232	301	10	past	past	ADJ
fsr-3232	301	11	income	income	NOUN
fsr-3232	301	12	.	.	PUNCT
fsr-3232	302	1	federal	federal	PROPN
fsr-3232	302	2	reserve	reserve	PROPN
fsr-3232	302	3	board	board	PROPN
fsr-3232	302	4	of	of	ADP
fsr-3232	302	5	governors	governor	NOUN
fsr-3232	302	6	.	.	PUNCT
fsr-3232	303	1	(	(	PUNCT
fsr-3232	303	2	available	available	ADJ
fsr-3232	303	3	from	from	ADP
fsr-3232	303	4	http://www	http://www	PROPN
fsr-3232	303	5	.	.	PUNCT
fsr-3232	303	6	federalreserve.gov/pubs/oss/oss2/papers/asa93.pdf	federalreserve.gov/pubs/oss/oss2/papers/asa93.pdf	NOUN
fsr-3232	303	7	)	)	PUNCT
fsr-3232	303	8	.	.	PUNCT
fsr-3232	304	1	lerman	lerman	PROPN
fsr-3232	304	2	,	,	PUNCT
fsr-3232	304	3	r.	r.	PROPN
fsr-3232	304	4	i.	i.	PROPN
fsr-3232	304	5	,	,	PUNCT
fsr-3232	304	6	&	&	CCONJ
fsr-3232	304	7	steuerle	steuerle	PROPN
fsr-3232	304	8	,	,	PUNCT
fsr-3232	304	9	e.	e.	PROPN
fsr-3232	304	10	(	(	PUNCT
fsr-3232	304	11	2012	2012	NUM
fsr-3232	304	12	,	,	PUNCT
fsr-3232	304	13	november	november	PROPN
fsr-3232	304	14	)	)	PUNCT
fsr-3232	304	15	.	.	PUNCT
fsr-3232	305	1	the	the	DET
fsr-3232	305	2	two	two	NUM
fsr-3232	305	3	worlds	world	NOUN
fsr-3232	305	4	of	of	ADP
fsr-3232	305	5	personal	personal	ADJ
fsr-3232	305	6	finance	finance	NOUN
fsr-3232	305	7	:	:	PUNCT
fsr-3232	305	8	implications	implication	NOUN
fsr-3232	305	9	for	for	ADP
fsr-3232	305	10	promoting	promote	VERB
fsr-3232	305	11	the	the	DET
fsr-3232	305	12	economic	economic	ADJ
fsr-3232	305	13	well	well	NOUN
fsr-3232	305	14	-	-	PUNCT
fsr-3232	305	15	being	being	NOUN
fsr-3232	305	16	of	of	ADP
fsr-3232	305	17	lowand	lowand	ADJ
fsr-3232	305	18	moderate	moderate	ADJ
fsr-3232	305	19	-	-	PUNCT
fsr-3232	305	20	income	income	NOUN
fsr-3232	305	21	families	family	NOUN
fsr-3232	305	22	.	.	PUNCT
fsr-3232	306	1	life	life	NOUN
fsr-3232	306	2	-	-	PUNCT
fsr-3232	306	3	cycle	cycle	NOUN
fsr-3232	306	4	investing	investing	NOUN
fsr-3232	306	5	:	:	PUNCT
fsr-3232	306	6	financial	financial	ADJ
fsr-3232	306	7	education	education	NOUN
fsr-3232	306	8	and	and	CCONJ
fsr-3232	306	9	consumer	consumer	NOUN
fsr-3232	306	10	protection	protection	NOUN
fsr-3232	306	11	,	,	PUNCT
fsr-3232	306	12	85–96	85–96	NUM
fsr-3232	306	13	.	.	PUNCT
fsr-3232	307	1	doi	doi	NOUN
fsr-3232	307	2	:	:	PUNCT
fsr-3232	307	3	10.2470	10.2470	NUM
fsr-3232	307	4	/	/	SYM
fsr-3232	307	5	rf.v2012.n3.7	rf.v2012.n3.7	NOUN
fsr-3232	307	6	.	.	PUNCT
fsr-3232	308	1	lewis	lewis	PROPN
fsr-3232	308	2	,	,	PUNCT
fsr-3232	308	3	a.	a.	PROPN
fsr-3232	308	4	,	,	PUNCT
fsr-3232	308	5	webley	webley	PROPN
fsr-3232	308	6	,	,	PUNCT
fsr-3232	308	7	p.	p.	PROPN
fsr-3232	308	8	,	,	PUNCT
fsr-3232	308	9	&	&	CCONJ
fsr-3232	308	10	furnham	furnham	PROPN
fsr-3232	308	11	,	,	PUNCT
fsr-3232	308	12	a.	a.	NOUN
fsr-3232	308	13	(	(	PUNCT
fsr-3232	308	14	1995	1995	NUM
fsr-3232	308	15	)	)	PUNCT
fsr-3232	308	16	.	.	PUNCT
fsr-3232	309	1	the	the	DET
fsr-3232	309	2	new	new	ADJ
fsr-3232	309	3	economic	economic	ADJ
fsr-3232	309	4	mind	mind	NOUN
fsr-3232	309	5	.	.	PUNCT
fsr-3232	310	1	the	the	DET
fsr-3232	310	2	social	social	ADJ
fsr-3232	310	3	psychology	psychology	NOUN
fsr-3232	310	4	of	of	ADP
fsr-3232	310	5	economic	economic	ADJ
fsr-3232	310	6	behaviour	behaviour	NOUN
fsr-3232	310	7	.	.	PUNCT
fsr-3232	311	1	hemel	hemel	PROPN
fsr-3232	311	2	hempstead	hempstead	PROPN
fsr-3232	311	3	:	:	PUNCT
fsr-3232	311	4	harvester	harvester	PROPN
fsr-3232	311	5	wheatsheaf	wheatsheaf	PROPN
fsr-3232	311	6	.	.	PUNCT
fsr-3232	312	1	loibl	loibl	PROPN
fsr-3232	312	2	,	,	PUNCT
fsr-3232	312	3	c.	c.	PROPN
fsr-3232	312	4	,	,	PUNCT
fsr-3232	312	5	&	&	CCONJ
fsr-3232	312	6	hira	hira	PROPN
fsr-3232	312	7	,	,	PUNCT
fsr-3232	312	8	t.	t.	PROPN
fsr-3232	312	9	k.	k.	PROPN
fsr-3232	312	10	(	(	PUNCT
fsr-3232	312	11	2006	2006	NUM
fsr-3232	312	12	)	)	PUNCT
fsr-3232	312	13	.	.	PUNCT
fsr-3232	313	1	a	a	DET
fsr-3232	313	2	workplace	workplace	NOUN
fsr-3232	313	3	and	and	CCONJ
fsr-3232	313	4	gender	gender	NOUN
fsr-3232	313	5	-	-	PUNCT
fsr-3232	313	6	related	relate	VERB
fsr-3232	313	7	perspective	perspective	NOUN
fsr-3232	313	8	on	on	ADP
fsr-3232	313	9	financial	financial	ADJ
fsr-3232	313	10	planning	planning	NOUN
fsr-3232	313	11	information	information	NOUN
fsr-3232	313	12	sources	source	NOUN
fsr-3232	313	13	and	and	CCONJ
fsr-3232	313	14	knowledge	knowledge	NOUN
fsr-3232	313	15	outcomes	outcome	NOUN
fsr-3232	313	16	.	.	PUNCT
fsr-3232	314	1	financial	financial	ADJ
fsr-3232	314	2	services	service	NOUN
fsr-3232	314	3	review	review	PROPN
fsr-3232	314	4	,	,	PUNCT
fsr-3232	314	5	15	15	NUM
fsr-3232	314	6	,	,	PUNCT
fsr-3232	314	7	21–42	21–42	NUM
fsr-3232	314	8	.	.	PUNCT
fsr-3232	314	9	lown	lown	PROPN
fsr-3232	314	10	,	,	PUNCT
fsr-3232	314	11	j.	j.	PROPN
fsr-3232	314	12	m.	m.	PROPN
fsr-3232	314	13	(	(	PUNCT
fsr-3232	314	14	2004	2004	NUM
fsr-3232	314	15	)	)	PUNCT
fsr-3232	314	16	.	.	PUNCT
fsr-3232	315	1	women	woman	NOUN
fsr-3232	315	2	’s	’s	PART
fsr-3232	315	3	preferences	preference	NOUN
fsr-3232	315	4	for	for	ADP
fsr-3232	315	5	learning	learn	VERB
fsr-3232	315	6	about	about	ADP
fsr-3232	315	7	financial	financial	ADJ
fsr-3232	315	8	planning	planning	NOUN
fsr-3232	315	9	.	.	PUNCT
fsr-3232	316	1	journal	journal	NOUN
fsr-3232	316	2	of	of	ADP
fsr-3232	316	3	personal	personal	ADJ
fsr-3232	316	4	finance	finance	NOUN
fsr-3232	316	5	,	,	PUNCT
fsr-3232	316	6	3	3	NUM
fsr-3232	316	7	,	,	PUNCT
fsr-3232	316	8	49–58	49–58	NUM
fsr-3232	316	9	.	.	PUNCT
fsr-3232	317	1	12	12	NUM
fsr-3232	317	2	p.j	p.j	PROPN
fsr-3232	317	3	.	.	PROPN
fsr-3232	317	4	fisher	fisher	PROPN
fsr-3232	317	5	et	et	PROPN
fsr-3232	317	6	al	al	PROPN
fsr-3232	317	7	.	.	PUNCT
fsr-3232	317	8	/	/	SYM
fsr-3232	317	9	financial	financial	ADJ
fsr-3232	317	10	services	service	NOUN
fsr-3232	317	11	review	review	VERB
fsr-3232	317	12	24	24	NUM
fsr-3232	317	13	(	(	PUNCT
fsr-3232	317	14	2015	2015	NUM
fsr-3232	317	15	)	)	PUNCT
fsr-3232	317	16	1–13	1–13	PROPN
fsr-3232	317	17	lupton	lupton	PROPN
fsr-3232	317	18	,	,	PUNCT
fsr-3232	317	19	j.	j.	PROPN
fsr-3232	317	20	,	,	PUNCT
fsr-3232	317	21	&	&	CCONJ
fsr-3232	317	22	smith	smith	PROPN
fsr-3232	317	23	,	,	PUNCT
fsr-3232	317	24	j.	j.	PROPN
fsr-3232	317	25	p.	p.	PROPN
fsr-3232	317	26	(	(	PUNCT
fsr-3232	317	27	2003	2003	NUM
fsr-3232	317	28	)	)	PUNCT
fsr-3232	317	29	.	.	PUNCT
fsr-3232	318	1	marriage	marriage	NOUN
fsr-3232	318	2	,	,	PUNCT
fsr-3232	318	3	assets	asset	NOUN
fsr-3232	318	4	,	,	PUNCT
fsr-3232	318	5	and	and	CCONJ
fsr-3232	318	6	savings	saving	NOUN
fsr-3232	318	7	.	.	PUNCT
fsr-3232	319	1	in	in	ADP
fsr-3232	319	2	s.	s.	PROPN
fsr-3232	319	3	grossbard	grossbard	PROPN
fsr-3232	319	4	-	-	PUNCT
fsr-3232	319	5	shechtman	shechtman	NOUN
fsr-3232	319	6	(	(	PUNCT
fsr-3232	319	7	ed	ed	NOUN
fsr-3232	319	8	.	.	PUNCT
fsr-3232	319	9	)	)	PUNCT
fsr-3232	319	10	,	,	PUNCT
fsr-3232	319	11	marriage	marriage	NOUN
fsr-3232	319	12	and	and	CCONJ
fsr-3232	319	13	the	the	DET
fsr-3232	319	14	economy	economy	NOUN
fsr-3232	319	15	:	:	PUNCT
fsr-3232	319	16	theory	theory	NOUN
fsr-3232	319	17	and	and	CCONJ
fsr-3232	319	18	evidence	evidence	NOUN
fsr-3232	319	19	from	from	ADP
fsr-3232	319	20	industrialized	industrialize	VERB
fsr-3232	319	21	societies	society	NOUN
fsr-3232	319	22	(	(	PUNCT
fsr-3232	319	23	pp	pp	ADV
fsr-3232	319	24	.	.	PUNCT
fsr-3232	320	1	129–152	129–152	NUM
fsr-3232	320	2	)	)	PUNCT
fsr-3232	320	3	.	.	PUNCT
fsr-3232	321	1	cambridge	cambridge	PROPN
fsr-3232	321	2	,	,	PUNCT
fsr-3232	321	3	england	england	PROPN
fsr-3232	321	4	:	:	PUNCT
fsr-3232	321	5	cambridge	cambridge	PROPN
fsr-3232	321	6	university	university	PROPN
fsr-3232	321	7	press	press	NOUN
fsr-3232	321	8	.	.	PUNCT
fsr-3232	322	1	maddala	maddala	PROPN
fsr-3232	322	2	,	,	PUNCT
fsr-3232	322	3	g.	g.	PROPN
fsr-3232	322	4	s.	s.	PROPN
fsr-3232	322	5	(	(	PUNCT
fsr-3232	322	6	1992	1992	NUM
fsr-3232	322	7	)	)	PUNCT
fsr-3232	322	8	.	.	PUNCT
fsr-3232	323	1	introduction	introduction	NOUN
fsr-3232	323	2	to	to	ADP
fsr-3232	323	3	econometrics	econometrics	NOUN
fsr-3232	323	4	(	(	PUNCT
fsr-3232	323	5	2nd	2nd	ADJ
fsr-3232	323	6	ed	ed	NOUN
fsr-3232	323	7	.	.	PUNCT
fsr-3232	323	8	)	)	PUNCT
fsr-3232	323	9	.	.	PUNCT
fsr-3232	324	1	englewood	englewood	PROPN
fsr-3232	324	2	cliffs	cliffs	PROPN
fsr-3232	324	3	,	,	PUNCT
fsr-3232	324	4	nj	nj	PROPN
fsr-3232	324	5	:	:	PUNCT
fsr-3232	324	6	prentice	prentice	PROPN
fsr-3232	324	7	hall	hall	PROPN
fsr-3232	324	8	.	.	PUNCT
fsr-3232	325	1	montalto	montalto	PROPN
fsr-3232	325	2	,	,	PUNCT
fsr-3232	325	3	c.	c.	PROPN
fsr-3232	325	4	p.	p.	PROPN
fsr-3232	325	5	(	(	PUNCT
fsr-3232	325	6	1998	1998	NUM
fsr-3232	325	7	)	)	PUNCT
fsr-3232	325	8	.	.	PUNCT
fsr-3232	326	1	the	the	DET
fsr-3232	326	2	surveys	survey	NOUN
fsr-3232	326	3	of	of	ADP
fsr-3232	326	4	consumer	consumer	NOUN
fsr-3232	326	5	finances	finance	NOUN
fsr-3232	326	6	:	:	PUNCT
fsr-3232	326	7	practical	practical	ADJ
fsr-3232	326	8	issues	issue	NOUN
fsr-3232	326	9	and	and	CCONJ
fsr-3232	326	10	challenges	challenge	NOUN
fsr-3232	326	11	from	from	ADP
fsr-3232	326	12	the	the	DET
fsr-3232	326	13	users	user	NOUN
fsr-3232	326	14	’	’	PART
fsr-3232	326	15	perspective	perspective	NOUN
fsr-3232	326	16	.	.	PUNCT
fsr-3232	327	1	consumer	consumer	NOUN
fsr-3232	327	2	interests	interest	NOUN
fsr-3232	327	3	annual	annual	ADJ
fsr-3232	327	4	,	,	PUNCT
fsr-3232	327	5	44	44	NUM
fsr-3232	327	6	,	,	PUNCT
fsr-3232	327	7	232–233	232–233	NUM
fsr-3232	327	8	.	.	PUNCT
fsr-3232	327	9	montalto	montalto	PROPN
fsr-3232	327	10	,	,	PUNCT
fsr-3232	327	11	c.	c.	PROPN
fsr-3232	327	12	p.	p.	PROPN
fsr-3232	327	13	,	,	PUNCT
fsr-3232	327	14	&	&	CCONJ
fsr-3232	327	15	sung	sung	PROPN
fsr-3232	327	16	,	,	PUNCT
fsr-3232	327	17	j.	j.	PROPN
fsr-3232	327	18	(	(	PUNCT
fsr-3232	327	19	1996	1996	NUM
fsr-3232	327	20	)	)	PUNCT
fsr-3232	327	21	.	.	PUNCT
fsr-3232	328	1	multiple	multiple	ADJ
fsr-3232	328	2	imputation	imputation	NOUN
fsr-3232	328	3	in	in	ADP
fsr-3232	328	4	the	the	DET
fsr-3232	328	5	1992	1992	NUM
fsr-3232	328	6	survey	survey	NOUN
fsr-3232	328	7	of	of	ADP
fsr-3232	328	8	consumer	consumer	NOUN
fsr-3232	328	9	finances	finance	NOUN
fsr-3232	328	10	.	.	PUNCT
fsr-3232	329	1	financial	financial	ADJ
fsr-3232	329	2	counseling	counseling	NOUN
fsr-3232	329	3	and	and	CCONJ
fsr-3232	329	4	planning	planning	NOUN
fsr-3232	329	5	,	,	PUNCT
fsr-3232	329	6	7	7	NUM
fsr-3232	329	7	,	,	PUNCT
fsr-3232	329	8	133–146	133–146	NUM
fsr-3232	329	9	.	.	PUNCT
fsr-3232	330	1	mishel	mishel	PROPN
fsr-3232	330	2	,	,	PUNCT
fsr-3232	330	3	l.	l.	PROPN
fsr-3232	330	4	,	,	PUNCT
fsr-3232	330	5	&	&	CCONJ
fsr-3232	330	6	shierholz	shierholz	PROPN
fsr-3232	330	7	,	,	PUNCT
fsr-3232	330	8	h.	h.	PROPN
fsr-3232	330	9	(	(	PUNCT
fsr-3232	330	10	2011	2011	NUM
fsr-3232	330	11	,	,	PUNCT
fsr-3232	330	12	august	august	PROPN
fsr-3232	330	13	31	31	NUM
fsr-3232	330	14	)	)	PUNCT
fsr-3232	330	15	.	.	PUNCT
fsr-3232	331	1	sustained	sustain	VERB
fsr-3232	331	2	,	,	PUNCT
fsr-3232	331	3	high	high	ADJ
fsr-3232	331	4	joblessness	joblessness	NOUN
fsr-3232	331	5	causes	cause	VERB
fsr-3232	331	6	lasting	last	VERB
fsr-3232	331	7	damage	damage	NOUN
fsr-3232	331	8	to	to	ADP
fsr-3232	331	9	wages	wage	NOUN
fsr-3232	331	10	,	,	PUNCT
fsr-3232	331	11	benefits	benefit	NOUN
fsr-3232	331	12	,	,	PUNCT
fsr-3232	331	13	income	income	NOUN
fsr-3232	331	14	,	,	PUNCT
fsr-3232	331	15	and	and	CCONJ
fsr-3232	331	16	wealth	wealth	NOUN
fsr-3232	331	17	.	.	PUNCT
fsr-3232	332	1	washington	washington	PROPN
fsr-3232	332	2	,	,	PUNCT
fsr-3232	332	3	dc	dc	PROPN
fsr-3232	332	4	:	:	PUNCT
fsr-3232	332	5	economic	economic	ADJ
fsr-3232	332	6	policy	policy	NOUN
fsr-3232	332	7	institute	institute	PROPN
fsr-3232	332	8	briefing	briefing	PROPN
fsr-3232	332	9	paper	paper	NOUN
fsr-3232	332	10	#	#	SYM
fsr-3232	332	11	324	324	NUM
fsr-3232	332	12	.	.	PUNCT
fsr-3232	333	1	(	(	PUNCT
fsr-3232	333	2	available	available	ADJ
fsr-3232	333	3	from	from	ADP
fsr-3232	333	4	http://w3.epi-data.org/temp2011/briefingpaper324_final%20%283%29.pdf	http://w3.epi-data.org/temp2011/briefingpaper324_final%20%283%29.pdf	PROPN
fsr-3232	333	5	)	)	PUNCT
fsr-3232	333	6	.	.	PUNCT
fsr-3232	334	1	neelakantan	neelakantan	PROPN
fsr-3232	334	2	,	,	PUNCT
fsr-3232	334	3	u.	u.	PROPN
fsr-3232	334	4	(	(	PUNCT
fsr-3232	334	5	2010	2010	NUM
fsr-3232	334	6	)	)	PUNCT
fsr-3232	334	7	.	.	PUNCT
fsr-3232	335	1	estimation	estimation	NOUN
fsr-3232	335	2	and	and	CCONJ
fsr-3232	335	3	impact	impact	NOUN
fsr-3232	335	4	of	of	ADP
fsr-3232	335	5	gender	gender	NOUN
fsr-3232	335	6	differences	difference	NOUN
fsr-3232	335	7	in	in	ADP
fsr-3232	335	8	risk	risk	NOUN
fsr-3232	335	9	tolerance	tolerance	NOUN
fsr-3232	335	10	.	.	PUNCT
fsr-3232	336	1	economic	economic	ADJ
fsr-3232	336	2	inquiry	inquiry	NOUN
fsr-3232	336	3	,	,	PUNCT
fsr-3232	336	4	48	48	NUM
fsr-3232	336	5	,	,	PUNCT
fsr-3232	336	6	228–233	228–233	NUM
fsr-3232	336	7	.	.	PUNCT
fsr-3232	337	1	o’neill	o’neill	PROPN
fsr-3232	337	2	,	,	PUNCT
fsr-3232	337	3	j.	j.	PROPN
fsr-3232	337	4	(	(	PUNCT
fsr-3232	337	5	2003	2003	NUM
fsr-3232	337	6	)	)	PUNCT
fsr-3232	337	7	.	.	PUNCT
fsr-3232	338	1	the	the	DET
fsr-3232	338	2	gender	gender	NOUN
fsr-3232	338	3	gap	gap	NOUN
fsr-3232	338	4	in	in	ADP
fsr-3232	338	5	wages	wage	NOUN
fsr-3232	338	6	,	,	PUNCT
fsr-3232	338	7	circa	circa	NOUN
fsr-3232	338	8	2000	2000	NUM
fsr-3232	338	9	.	.	PUNCT
fsr-3232	339	1	american	american	PROPN
fsr-3232	339	2	economic	economic	PROPN
fsr-3232	339	3	review	review	PROPN
fsr-3232	339	4	,	,	PUNCT
fsr-3232	339	5	93	93	NUM
fsr-3232	339	6	,	,	PUNCT
fsr-3232	339	7	309–314	309–314	NUM
fsr-3232	339	8	.	.	PUNCT
fsr-3232	340	1	pearce	pearce	PROPN
fsr-3232	340	2	,	,	PUNCT
fsr-3232	340	3	d.	d.	PROPN
fsr-3232	340	4	(	(	PUNCT
fsr-3232	340	5	1989	1989	NUM
fsr-3232	340	6	)	)	PUNCT
fsr-3232	340	7	.	.	PUNCT
fsr-3232	341	1	the	the	DET
fsr-3232	341	2	feminization	feminization	NOUN
fsr-3232	341	3	of	of	ADP
fsr-3232	341	4	poverty	poverty	NOUN
fsr-3232	341	5	:	:	PUNCT
fsr-3232	341	6	women	woman	NOUN
fsr-3232	341	7	,	,	PUNCT
fsr-3232	341	8	work	work	NOUN
fsr-3232	341	9	,	,	PUNCT
fsr-3232	341	10	and	and	CCONJ
fsr-3232	341	11	welfare	welfare	NOUN
fsr-3232	341	12	.	.	PUNCT
fsr-3232	342	1	urban	urban	ADJ
fsr-3232	342	2	and	and	CCONJ
fsr-3232	342	3	social	social	ADJ
fsr-3232	342	4	change	change	NOUN
fsr-3232	342	5	review	review	NOUN
fsr-3232	342	6	,	,	PUNCT
fsr-3232	342	7	11	11	NUM
fsr-3232	342	8	,	,	PUNCT
fsr-3232	342	9	28–36	28–36	NUM
fsr-3232	342	10	.	.	PUNCT
fsr-3232	343	1	prudential	prudential	PROPN
fsr-3232	343	2	research	research	PROPN
fsr-3232	343	3	.	.	PUNCT
fsr-3232	344	1	(	(	PUNCT
fsr-3232	344	2	2010	2010	NUM
fsr-3232	344	3	)	)	PUNCT
fsr-3232	344	4	.	.	PUNCT
fsr-3232	345	1	financial	financial	ADJ
fsr-3232	345	2	experience	experience	NOUN
fsr-3232	345	3	and	and	CCONJ
fsr-3232	345	4	behaviors	behavior	NOUN
fsr-3232	345	5	among	among	ADP
fsr-3232	345	6	women	woman	NOUN
fsr-3232	345	7	.	.	PUNCT
fsr-3232	346	1	prudential	prudential	PROPN
fsr-3232	346	2	research	research	PROPN
fsr-3232	346	3	report	report	PROPN
fsr-3232	346	4	0182849–00001	0182849–00001	PROPN
fsr-3232	346	5	-	-	PUNCT
fsr-3232	346	6	00	00	PROPN
fsr-3232	346	7	.	.	PUNCT
fsr-3232	347	1	(	(	PUNCT
fsr-3232	347	2	available	available	ADJ
fsr-3232	347	3	from	from	ADP
fsr-3232	347	4	http://www.prudential.com/media/managed/womens_study_final.pdf	http://www.prudential.com/media/managed/womens_study_final.pdf	PROPN
fsr-3232	347	5	)	)	PUNCT
fsr-3232	347	6	.	.	PUNCT
fsr-3232	348	1	ricciardi	ricciardi	NOUN
fsr-3232	348	2	,	,	PUNCT
fsr-3232	348	3	v.	v.	PROPN
fsr-3232	348	4	(	(	PUNCT
fsr-3232	348	5	2008	2008	NUM
fsr-3232	348	6	)	)	PUNCT
fsr-3232	348	7	.	.	PUNCT
fsr-3232	349	1	the	the	DET
fsr-3232	349	2	financial	financial	ADJ
fsr-3232	349	3	psychology	psychology	NOUN
fsr-3232	349	4	of	of	ADP
fsr-3232	349	5	worry	worry	NOUN
fsr-3232	349	6	and	and	CCONJ
fsr-3232	349	7	women	woman	NOUN
fsr-3232	349	8	.	.	PUNCT
fsr-3232	350	1	work	work	NOUN
fsr-3232	350	2	in	in	ADP
fsr-3232	350	3	progress	progress	NOUN
fsr-3232	350	4	.	.	PUNCT
fsr-3232	351	1	(	(	PUNCT
fsr-3232	351	2	available	available	ADJ
fsr-3232	351	3	from	from	ADP
fsr-3232	351	4	http://papers.ssrn.com/sol3/papers.cfm?abstract_id�1093351	http://papers.ssrn.com/sol3/papers.cfm?abstract_id�1093351	PROPN
fsr-3232	351	5	)	)	PUNCT
fsr-3232	351	6	.	.	PUNCT
fsr-3232	352	1	rubin	rubin	PROPN
fsr-3232	352	2	,	,	PUNCT
fsr-3232	352	3	d.	d.	PROPN
fsr-3232	352	4	b.	b.	PROPN
fsr-3232	352	5	(	(	PUNCT
fsr-3232	352	6	1987	1987	NUM
fsr-3232	352	7	)	)	PUNCT
fsr-3232	352	8	.	.	PUNCT
fsr-3232	353	1	multiple	multiple	ADJ
fsr-3232	353	2	imputation	imputation	NOUN
fsr-3232	353	3	for	for	ADP
fsr-3232	353	4	nonresponse	nonresponse	NOUN
fsr-3232	353	5	in	in	ADP
fsr-3232	353	6	surveys	survey	NOUN
fsr-3232	353	7	.	.	PUNCT
fsr-3232	354	1	new	new	PROPN
fsr-3232	354	2	york	york	PROPN
fsr-3232	354	3	,	,	PUNCT
fsr-3232	354	4	ny	ny	PROPN
fsr-3232	354	5	:	:	PUNCT
fsr-3232	354	6	wiley	wiley	PROPN
fsr-3232	354	7	.	.	PUNCT
fsr-3232	355	1	ryan	ryan	PROPN
fsr-3232	355	2	,	,	PUNCT
fsr-3232	355	3	c.	c.	PROPN
fsr-3232	355	4	l.	l.	PROPN
fsr-3232	355	5	,	,	PUNCT
fsr-3232	355	6	&	&	CCONJ
fsr-3232	355	7	siebens	sieben	NOUN
fsr-3232	355	8	,	,	PUNCT
fsr-3232	355	9	j.	j.	PROPN
fsr-3232	355	10	(	(	PUNCT
fsr-3232	355	11	2012	2012	NUM
fsr-3232	355	12	,	,	PUNCT
fsr-3232	355	13	february	february	PROPN
fsr-3232	355	14	)	)	PUNCT
fsr-3232	355	15	.	.	PUNCT
fsr-3232	356	1	educational	educational	ADJ
fsr-3232	356	2	attainment	attainment	NOUN
fsr-3232	356	3	in	in	ADP
fsr-3232	356	4	the	the	DET
fsr-3232	356	5	united	united	PROPN
fsr-3232	356	6	states	states	PROPN
fsr-3232	356	7	:	:	PUNCT
fsr-3232	356	8	2009	2009	NUM
fsr-3232	356	9	.	.	PUNCT
fsr-3232	357	1	current	current	ADJ
fsr-3232	357	2	population	population	NOUN
fsr-3232	357	3	reports	report	NOUN
fsr-3232	357	4	,	,	PUNCT
fsr-3232	357	5	p20–566	p20–566	NOUN
fsr-3232	357	6	.	.	PUNCT
fsr-3232	358	1	(	(	PUNCT
fsr-3232	358	2	available	available	ADJ
fsr-3232	358	3	from	from	ADP
fsr-3232	358	4	http://www.census.gov/prod/2012pubs/p20–566.pdf	http://www.census.gov/prod/2012pubs/p20–566.pdf	PROPN
fsr-3232	358	5	)	)	PUNCT
fsr-3232	358	6	.	.	PUNCT
fsr-3232	359	1	schmidt	schmidt	PROPN
fsr-3232	359	2	,	,	PUNCT
fsr-3232	359	3	l.	l.	PROPN
fsr-3232	359	4	,	,	PUNCT
fsr-3232	359	5	&	&	CCONJ
fsr-3232	359	6	sevak	sevak	PROPN
fsr-3232	359	7	,	,	PUNCT
fsr-3232	359	8	p.	p.	NOUN
fsr-3232	359	9	(	(	PUNCT
fsr-3232	359	10	2006	2006	NUM
fsr-3232	359	11	)	)	PUNCT
fsr-3232	359	12	.	.	PUNCT
fsr-3232	360	1	gender	gender	NOUN
fsr-3232	360	2	,	,	PUNCT
fsr-3232	360	3	marriage	marriage	NOUN
fsr-3232	360	4	,	,	PUNCT
fsr-3232	360	5	and	and	CCONJ
fsr-3232	360	6	asset	asset	NOUN
fsr-3232	360	7	accumulation	accumulation	NOUN
fsr-3232	360	8	in	in	ADP
fsr-3232	360	9	the	the	DET
fsr-3232	360	10	united	united	PROPN
fsr-3232	360	11	states	states	PROPN
fsr-3232	360	12	.	.	PUNCT
fsr-3232	361	1	feminist	feminist	ADJ
fsr-3232	361	2	economics	economic	NOUN
fsr-3232	361	3	,	,	PUNCT
fsr-3232	361	4	12	12	NUM
fsr-3232	361	5	,	,	PUNCT
fsr-3232	361	6	139–166	139–166	NUM
fsr-3232	361	7	.	.	PUNCT
fsr-3232	362	1	sierminska	sierminska	PROPN
fsr-3232	362	2	,	,	PUNCT
fsr-3232	362	3	e.	e.	PROPN
fsr-3232	362	4	m.	m.	PROPN
fsr-3232	362	5	,	,	PUNCT
fsr-3232	362	6	frick	frick	PROPN
fsr-3232	362	7	,	,	PUNCT
fsr-3232	362	8	j.	j.	PROPN
fsr-3232	362	9	r.	r.	PROPN
fsr-3232	362	10	,	,	PUNCT
fsr-3232	362	11	&	&	CCONJ
fsr-3232	362	12	grabka	grabka	PROPN
fsr-3232	362	13	,	,	PUNCT
fsr-3232	362	14	m.	m.	NOUN
fsr-3232	362	15	m.	m.	NOUN
fsr-3232	362	16	(	(	PUNCT
fsr-3232	362	17	2010	2010	NUM
fsr-3232	362	18	)	)	PUNCT
fsr-3232	362	19	.	.	PUNCT
fsr-3232	363	1	examining	examine	VERB
fsr-3232	363	2	the	the	DET
fsr-3232	363	3	gender	gender	NOUN
fsr-3232	363	4	wealth	wealth	NOUN
fsr-3232	363	5	gap	gap	NOUN
fsr-3232	363	6	.	.	PUNCT
fsr-3232	364	1	oxford	oxford	PROPN
fsr-3232	364	2	economic	economic	ADJ
fsr-3232	364	3	papers	paper	NOUN
fsr-3232	364	4	,	,	PUNCT
fsr-3232	364	5	62	62	NUM
fsr-3232	364	6	,	,	PUNCT
fsr-3232	364	7	669–690	669–690	NUM
fsr-3232	364	8	.	.	PUNCT
fsr-3232	365	1	society	society	NOUN
fsr-3232	365	2	of	of	ADP
fsr-3232	365	3	actuaries	actuary	NOUN
fsr-3232	365	4	.	.	PUNCT
fsr-3232	366	1	(	(	PUNCT
fsr-3232	366	2	2010	2010	NUM
fsr-3232	366	3	,	,	PUNCT
fsr-3232	366	4	december	december	PROPN
fsr-3232	366	5	)	)	PUNCT
fsr-3232	366	6	.	.	PUNCT
fsr-3232	367	1	the	the	DET
fsr-3232	367	2	impact	impact	NOUN
fsr-3232	367	3	of	of	ADP
fsr-3232	367	4	retirement	retirement	NOUN
fsr-3232	367	5	risk	risk	NOUN
fsr-3232	367	6	on	on	ADP
fsr-3232	367	7	women	woman	NOUN
fsr-3232	367	8	.	.	PUNCT
fsr-3232	368	1	risks	risk	NOUN
fsr-3232	368	2	and	and	CCONJ
fsr-3232	368	3	process	process	NOUN
fsr-3232	368	4	of	of	ADP
fsr-3232	368	5	retirement	retirement	NOUN
fsr-3232	368	6	survey	survey	NOUN
fsr-3232	368	7	report	report	NOUN
fsr-3232	368	8	.	.	PUNCT
fsr-3232	369	1	(	(	PUNCT
fsr-3232	369	2	available	available	ADJ
fsr-3232	369	3	from	from	ADP
fsr-3232	369	4	http://www.soa.org/files/pdf/research-key-finding-impact-retirewomen.pdf	http://www.soa.org/files/pdf/research-key-finding-impact-retirewomen.pdf	NUM
fsr-3232	369	5	)	)	PUNCT
fsr-3232	369	6	.	.	PUNCT
fsr-3232	370	1	sunden	sunden	ADJ
fsr-3232	370	2	,	,	PUNCT
fsr-3232	370	3	a.	a.	PROPN
fsr-3232	370	4	e.	e.	PROPN
fsr-3232	370	5	,	,	PUNCT
fsr-3232	370	6	&	&	CCONJ
fsr-3232	370	7	surrette	surrette	NOUN
fsr-3232	370	8	,	,	PUNCT
fsr-3232	370	9	b.	b.	PROPN
fsr-3232	370	10	j.	j.	PROPN
fsr-3232	370	11	(	(	PUNCT
fsr-3232	370	12	1998	1998	NUM
fsr-3232	370	13	)	)	PUNCT
fsr-3232	370	14	.	.	PUNCT
fsr-3232	371	1	gender	gender	NOUN
fsr-3232	371	2	differences	difference	NOUN
fsr-3232	371	3	in	in	ADP
fsr-3232	371	4	the	the	DET
fsr-3232	371	5	allocation	allocation	NOUN
fsr-3232	371	6	of	of	ADP
fsr-3232	371	7	assets	asset	NOUN
fsr-3232	371	8	in	in	ADP
fsr-3232	371	9	retirement	retirement	NOUN
fsr-3232	371	10	savings	saving	NOUN
fsr-3232	371	11	plans	plan	NOUN
fsr-3232	371	12	.	.	PUNCT
fsr-3232	372	1	american	american	PROPN
fsr-3232	372	2	economic	economic	PROPN
fsr-3232	372	3	review	review	PROPN
fsr-3232	372	4	,	,	PUNCT
fsr-3232	372	5	88	88	NUM
fsr-3232	372	6	,	,	PUNCT
fsr-3232	372	7	207–211	207–211	NUM
fsr-3232	372	8	.	.	PUNCT
fsr-3232	373	1	sung	sung	PROPN
fsr-3232	373	2	,	,	PUNCT
fsr-3232	373	3	j.	j.	PROPN
fsr-3232	373	4	(	(	PUNCT
fsr-3232	373	5	1997	1997	NUM
fsr-3232	373	6	)	)	PUNCT
fsr-3232	373	7	.	.	PUNCT
fsr-3232	374	1	a	a	DET
fsr-3232	374	2	structural	structural	ADJ
fsr-3232	374	3	analysis	analysis	NOUN
fsr-3232	374	4	of	of	ADP
fsr-3232	374	5	retirement	retirement	NOUN
fsr-3232	374	6	funds	fund	NOUN
fsr-3232	374	7	in	in	ADP
fsr-3232	374	8	a	a	DET
fsr-3232	374	9	family	family	NOUN
fsr-3232	374	10	context	context	NOUN
fsr-3232	374	11	:	:	PUNCT
fsr-3232	374	12	participation	participation	NOUN
fsr-3232	374	13	and	and	CCONJ
fsr-3232	374	14	investment	investment	NOUN
fsr-3232	374	15	in	in	ADP
fsr-3232	374	16	stocks	stock	NOUN
fsr-3232	374	17	.	.	PUNCT
fsr-3232	375	1	unpublished	unpublished	ADJ
fsr-3232	375	2	dissertation	dissertation	NOUN
fsr-3232	375	3	.	.	PUNCT
fsr-3232	376	1	the	the	DET
fsr-3232	376	2	ohio	ohio	PROPN
fsr-3232	376	3	state	state	PROPN
fsr-3232	376	4	university	university	PROPN
fsr-3232	376	5	,	,	PUNCT
fsr-3232	376	6	columbus	columbus	PROPN
fsr-3232	376	7	,	,	PUNCT
fsr-3232	376	8	oh	oh	INTJ
fsr-3232	376	9	.	.	PUNCT
fsr-3232	377	1	wärneryd	wärneryd	PROPN
fsr-3232	377	2	,	,	PUNCT
fsr-3232	377	3	k.	k.	PROPN
fsr-3232	377	4	e.	e.	PROPN
fsr-3232	377	5	(	(	PUNCT
fsr-3232	377	6	1999	1999	NUM
fsr-3232	377	7	)	)	PUNCT
fsr-3232	377	8	.	.	PUNCT
fsr-3232	378	1	the	the	DET
fsr-3232	378	2	psychology	psychology	NOUN
fsr-3232	378	3	of	of	ADP
fsr-3232	378	4	saving	saving	PROPN
fsr-3232	378	5	.	.	PUNCT
fsr-3232	379	1	a	a	DET
fsr-3232	379	2	study	study	NOUN
fsr-3232	379	3	of	of	ADP
fsr-3232	379	4	economic	economic	ADJ
fsr-3232	379	5	psychology	psychology	NOUN
fsr-3232	379	6	.	.	PUNCT
fsr-3232	380	1	cheltenham	cheltenham	PROPN
fsr-3232	380	2	:	:	PUNCT
fsr-3232	380	3	edward	edward	PROPN
fsr-3232	380	4	elgar	elgar	PROPN
fsr-3232	380	5	publishing	publishing	PROPN
fsr-3232	380	6	.	.	PUNCT
fsr-3232	381	1	warren	warren	PROPN
fsr-3232	381	2	,	,	PUNCT
fsr-3232	381	3	t.	t.	PROPN
fsr-3232	381	4	,	,	PUNCT
fsr-3232	381	5	rowlingson	rowlingson	PROPN
fsr-3232	381	6	,	,	PUNCT
fsr-3232	381	7	k.	k.	PROPN
fsr-3232	381	8	,	,	PUNCT
fsr-3232	381	9	&	&	CCONJ
fsr-3232	381	10	whyley	whyley	PROPN
fsr-3232	381	11	,	,	PUNCT
fsr-3232	381	12	c.	c.	PROPN
fsr-3232	381	13	(	(	PUNCT
fsr-3232	381	14	2001	2001	NUM
fsr-3232	381	15	)	)	PUNCT
fsr-3232	381	16	.	.	PUNCT
fsr-3232	382	1	female	female	ADJ
fsr-3232	382	2	finances	finance	NOUN
fsr-3232	382	3	:	:	PUNCT
fsr-3232	382	4	gender	gender	NOUN
fsr-3232	382	5	wage	wage	NOUN
fsr-3232	382	6	gaps	gap	NOUN
fsr-3232	382	7	and	and	CCONJ
fsr-3232	382	8	gender	gender	NOUN
fsr-3232	382	9	asset	asset	NOUN
fsr-3232	382	10	gaps	gap	NOUN
fsr-3232	382	11	.	.	PUNCT
fsr-3232	383	1	employment	employment	NOUN
fsr-3232	383	2	and	and	CCONJ
fsr-3232	383	3	society	society	NOUN
fsr-3232	383	4	,	,	PUNCT
fsr-3232	383	5	15	15	NUM
fsr-3232	383	6	,	,	PUNCT
fsr-3232	383	7	465–488	465–488	NUM
fsr-3232	383	8	.	.	PUNCT
fsr-3232	384	1	xiao	xiao	PROPN
fsr-3232	384	2	,	,	PUNCT
fsr-3232	384	3	j.	j.	PROPN
fsr-3232	384	4	,	,	PUNCT
fsr-3232	384	5	collins	collins	PROPN
fsr-3232	384	6	,	,	PUNCT
fsr-3232	384	7	m.	m.	NOUN
fsr-3232	384	8	,	,	PUNCT
fsr-3232	384	9	ford	ford	NOUN
fsr-3232	384	10	,	,	PUNCT
fsr-3232	384	11	m.	m.	NOUN
fsr-3232	384	12	,	,	PUNCT
fsr-3232	384	13	keller	keller	PROPN
fsr-3232	384	14	,	,	PUNCT
fsr-3232	384	15	p.	p.	PROPN
fsr-3232	384	16	,	,	PUNCT
fsr-3232	384	17	kim	kim	PROPN
fsr-3232	384	18	,	,	PUNCT
fsr-3232	384	19	j.	j.	PROPN
fsr-3232	384	20	,	,	PUNCT
fsr-3232	384	21	&	&	CCONJ
fsr-3232	384	22	robles	robles	PROPN
fsr-3232	384	23	,	,	PUNCT
fsr-3232	384	24	b.	b.	PROPN
fsr-3232	384	25	(	(	PUNCT
fsr-3232	384	26	2010	2010	NUM
fsr-3232	384	27	,	,	PUNCT
fsr-3232	384	28	august	august	PROPN
fsr-3232	384	29	)	)	PUNCT
fsr-3232	384	30	.	.	PUNCT
fsr-3232	385	1	a	a	DET
fsr-3232	385	2	review	review	NOUN
fsr-3232	385	3	of	of	ADP
fsr-3232	385	4	financial	financial	ADJ
fsr-3232	385	5	behavior	behavior	NOUN
fsr-3232	385	6	research	research	NOUN
fsr-3232	385	7	:	:	PUNCT
fsr-3232	385	8	implications	implication	NOUN
fsr-3232	385	9	for	for	ADP
fsr-3232	385	10	financial	financial	ADJ
fsr-3232	385	11	education	education	NOUN
fsr-3232	385	12	.	.	PUNCT
fsr-3232	386	1	consortium	consortium	NOUN
fsr-3232	386	2	on	on	ADP
fsr-3232	386	3	implications	implication	NOUN
fsr-3232	386	4	of	of	ADP
fsr-3232	386	5	research	research	NOUN
fsr-3232	386	6	in	in	ADP
fsr-3232	386	7	personal	personal	ADJ
fsr-3232	386	8	finance	finance	NOUN
fsr-3232	386	9	.	.	PUNCT
fsr-3232	387	1	national	national	ADJ
fsr-3232	387	2	endowment	endowment	PROPN
fsr-3232	387	3	for	for	ADP
fsr-3232	387	4	financial	financial	ADJ
fsr-3232	387	5	education	education	NOUN
fsr-3232	387	6	.	.	PUNCT
fsr-3232	388	1	denver	denver	PROPN
fsr-3232	388	2	,	,	PUNCT
fsr-3232	388	3	co.	co.	PROPN
fsr-3232	388	4	yuh	yuh	PROPN
fsr-3232	388	5	,	,	PUNCT
fsr-3232	388	6	y.	y.	PROPN
fsr-3232	388	7	,	,	PUNCT
fsr-3232	388	8	&	&	CCONJ
fsr-3232	388	9	hanna	hanna	PROPN
fsr-3232	388	10	,	,	PUNCT
fsr-3232	388	11	s.	s.	PROPN
fsr-3232	388	12	(	(	PUNCT
fsr-3232	388	13	1997	1997	NUM
fsr-3232	388	14	)	)	PUNCT
fsr-3232	388	15	.	.	PUNCT
fsr-3232	389	1	the	the	DET
fsr-3232	389	2	demand	demand	NOUN
fsr-3232	389	3	for	for	ADP
fsr-3232	389	4	risky	risky	ADJ
fsr-3232	389	5	assets	asset	NOUN
fsr-3232	389	6	in	in	ADP
fsr-3232	389	7	retirement	retirement	NOUN
fsr-3232	389	8	portfolios	portfolio	NOUN
fsr-3232	389	9	.	.	PUNCT
fsr-3232	390	1	proceedings	proceeding	NOUN
fsr-3232	390	2	of	of	ADP
fsr-3232	390	3	the	the	DET
fsr-3232	390	4	academy	academy	NOUN
fsr-3232	390	5	of	of	ADP
fsr-3232	390	6	financial	financial	ADJ
fsr-3232	390	7	services	service	NOUN
fsr-3232	390	8	.	.	PUNCT
fsr-3232	391	1	honolulu	honolulu	PROPN
fsr-3232	391	2	,	,	PUNCT
fsr-3232	391	3	hi	hi	INTJ
fsr-3232	391	4	.	.	PROPN
fsr-3232	391	5	13p.j	13p.j	NUM
fsr-3232	391	6	.	.	PUNCT
fsr-3232	392	1	fisher	fisher	PROPN
fsr-3232	392	2	et	et	PROPN
fsr-3232	392	3	al	al	PROPN
fsr-3232	392	4	.	.	PUNCT
fsr-3232	392	5	/	/	SYM
fsr-3232	392	6	financial	financial	ADJ
fsr-3232	392	7	services	service	NOUN
fsr-3232	392	8	review	review	VERB
fsr-3232	392	9	24	24	NUM
fsr-3232	392	10	(	(	PUNCT
fsr-3232	392	11	2015	2015	NUM
fsr-3232	392	12	)	)	PUNCT
fsr-3232	392	13	1–13	1–13	NOUN