id	sid	tid	token	lemma	pos
fsr-3236	1	1	financial	financial	ADJ
fsr-3236	1	2	literacy	literacy	NOUN
fsr-3236	1	3	and	and	CCONJ
fsr-3236	1	4	financial	financial	ADJ
fsr-3236	1	5	behavior	behavior	NOUN
fsr-3236	1	6	:	:	PUNCT
fsr-3236	1	7	assessing	assess	VERB
fsr-3236	1	8	knowledge	knowledge	NOUN
fsr-3236	1	9	and	and	CCONJ
fsr-3236	1	10	confidence	confidence	NOUN
fsr-3236	1	11	colleen	colleen	PROPN
fsr-3236	1	12	tokar	tokar	NOUN
fsr-3236	1	13	asaada	asaada	PROPN
fsr-3236	1	14	,	,	PUNCT
fsr-3236	1	15	*	*	PUNCT
fsr-3236	1	16	aschool	aschool	NOUN
fsr-3236	1	17	of	of	ADP
fsr-3236	1	18	business	business	NOUN
fsr-3236	1	19	,	,	PUNCT
fsr-3236	1	20	baldwin	baldwin	PROPN
fsr-3236	1	21	wallace	wallace	PROPN
fsr-3236	1	22	university	university	PROPN
fsr-3236	1	23	,	,	PUNCT
fsr-3236	1	24	berea	berea	PROPN
fsr-3236	1	25	,	,	PUNCT
fsr-3236	1	26	oh	oh	NUM
fsr-3236	1	27	44017	44017	NUM
fsr-3236	1	28	,	,	PUNCT
fsr-3236	1	29	usa	usa	PROPN
fsr-3236	1	30	abstract	abstract	PROPN
fsr-3236	1	31	this	this	DET
fsr-3236	1	32	article	article	NOUN
fsr-3236	1	33	explores	explore	VERB
fsr-3236	1	34	how	how	SCONJ
fsr-3236	1	35	financial	financial	ADJ
fsr-3236	1	36	literacy	literacy	NOUN
fsr-3236	1	37	,	,	PUNCT
fsr-3236	1	38	comprised	comprise	VERB
fsr-3236	1	39	of	of	ADP
fsr-3236	1	40	both	both	DET
fsr-3236	1	41	actual	actual	ADJ
fsr-3236	1	42	financial	financial	ADJ
fsr-3236	1	43	knowledge	knowledge	NOUN
fsr-3236	1	44	and	and	CCONJ
fsr-3236	1	45	perceived	perceive	VERB
fsr-3236	1	46	financial	financial	ADJ
fsr-3236	1	47	confidence	confidence	NOUN
fsr-3236	1	48	,	,	PUNCT
fsr-3236	1	49	affect	affect	VERB
fsr-3236	1	50	financial	financial	ADJ
fsr-3236	1	51	decisions	decision	NOUN
fsr-3236	1	52	.	.	PUNCT
fsr-3236	2	1	using	use	VERB
fsr-3236	2	2	national	national	ADJ
fsr-3236	2	3	survey	survey	NOUN
fsr-3236	2	4	data	datum	NOUN
fsr-3236	2	5	from	from	ADP
fsr-3236	2	6	the	the	DET
fsr-3236	2	7	united	united	PROPN
fsr-3236	2	8	states	states	PROPN
fsr-3236	2	9	,	,	PUNCT
fsr-3236	2	10	results	result	NOUN
fsr-3236	2	11	indicate	indicate	VERB
fsr-3236	2	12	that	that	SCONJ
fsr-3236	2	13	financial	financial	ADJ
fsr-3236	2	14	confidence	confidence	NOUN
fsr-3236	2	15	is	be	AUX
fsr-3236	2	16	a	a	DET
fsr-3236	2	17	critical	critical	ADJ
fsr-3236	2	18	component	component	NOUN
fsr-3236	2	19	of	of	ADP
fsr-3236	2	20	financial	financial	ADJ
fsr-3236	2	21	literacy	literacy	NOUN
fsr-3236	2	22	and	and	CCONJ
fsr-3236	2	23	is	be	AUX
fsr-3236	2	24	important	important	ADJ
fsr-3236	2	25	across	across	ADP
fsr-3236	2	26	all	all	DET
fsr-3236	2	27	knowledge	knowledge	NOUN
fsr-3236	2	28	levels	level	NOUN
fsr-3236	2	29	.	.	PUNCT
fsr-3236	3	1	however	however	ADV
fsr-3236	3	2	,	,	PUNCT
fsr-3236	3	3	overconfident	overconfident	ADJ
fsr-3236	3	4	individuals	individual	NOUN
fsr-3236	3	5	,	,	PUNCT
fsr-3236	3	6	or	or	CCONJ
fsr-3236	3	7	those	those	PRON
fsr-3236	3	8	with	with	ADP
fsr-3236	3	9	high	high	ADJ
fsr-3236	3	10	confidence	confidence	NOUN
fsr-3236	3	11	(	(	PUNCT
fsr-3236	3	12	or	or	CCONJ
fsr-3236	3	13	self	self	NOUN
fsr-3236	3	14	-	-	PUNCT
fsr-3236	3	15	assessed	assess	VERB
fsr-3236	3	16	)	)	PUNCT
fsr-3236	3	17	knowledge	knowledge	NOUN
fsr-3236	3	18	but	but	CCONJ
fsr-3236	3	19	low	low	ADJ
fsr-3236	3	20	actual	actual	ADJ
fsr-3236	3	21	knowledge	knowledge	NOUN
fsr-3236	3	22	,	,	PUNCT
fsr-3236	3	23	have	have	VERB
fsr-3236	3	24	a	a	DET
fsr-3236	3	25	higher	high	ADJ
fsr-3236	3	26	propensity	propensity	NOUN
fsr-3236	3	27	to	to	PART
fsr-3236	3	28	engage	engage	VERB
fsr-3236	3	29	in	in	ADP
fsr-3236	3	30	risky	risky	ADJ
fsr-3236	3	31	(	(	PUNCT
fsr-3236	3	32	costly	costly	ADJ
fsr-3236	3	33	)	)	PUNCT
fsr-3236	3	34	financial	financial	ADJ
fsr-3236	3	35	behaviors	behavior	NOUN
fsr-3236	3	36	.	.	PUNCT
fsr-3236	4	1	together	together	ADV
fsr-3236	4	2	,	,	PUNCT
fsr-3236	4	3	results	result	NOUN
fsr-3236	4	4	suggest	suggest	VERB
fsr-3236	4	5	that	that	SCONJ
fsr-3236	4	6	financial	financial	ADJ
fsr-3236	4	7	literacy	literacy	NOUN
fsr-3236	4	8	initiatives	initiative	NOUN
fsr-3236	4	9	should	should	AUX
fsr-3236	4	10	focus	focus	VERB
fsr-3236	4	11	not	not	PART
fsr-3236	4	12	only	only	ADV
fsr-3236	4	13	on	on	ADP
fsr-3236	4	14	factual	factual	ADJ
fsr-3236	4	15	knowledge	knowledge	NOUN
fsr-3236	4	16	,	,	PUNCT
fsr-3236	4	17	but	but	CCONJ
fsr-3236	4	18	on	on	ADP
fsr-3236	4	19	helping	help	VERB
fsr-3236	4	20	individuals	individual	NOUN
fsr-3236	4	21	achieve	achieve	VERB
fsr-3236	4	22	a	a	DET
fsr-3236	4	23	healthy	healthy	ADJ
fsr-3236	4	24	dose	dose	NOUN
fsr-3236	4	25	of	of	ADP
fsr-3236	4	26	confidence	confidence	NOUN
fsr-3236	4	27	.	.	PUNCT
fsr-3236	5	1	©	©	PROPN
fsr-3236	5	2	2015	2015	NUM
fsr-3236	5	3	academy	academy	NOUN
fsr-3236	5	4	of	of	ADP
fsr-3236	5	5	financial	financial	ADJ
fsr-3236	5	6	services	service	NOUN
fsr-3236	5	7	.	.	PUNCT
fsr-3236	6	1	all	all	DET
fsr-3236	6	2	rights	right	NOUN
fsr-3236	6	3	reserved	reserve	VERB
fsr-3236	6	4	.	.	PUNCT
fsr-3236	7	1	jel	jel	PROPN
fsr-3236	7	2	classification	classification	NOUN
fsr-3236	7	3	:	:	PUNCT
fsr-3236	7	4	d03	d03	NOUN
fsr-3236	7	5	;	;	PUNCT
fsr-3236	7	6	d14	d14	NOUN
fsr-3236	7	7	;	;	PUNCT
fsr-3236	7	8	d80	d80	ADJ
fsr-3236	7	9	keywords	keyword	NOUN
fsr-3236	7	10	:	:	PUNCT
fsr-3236	7	11	financial	financial	ADJ
fsr-3236	7	12	literacy	literacy	NOUN
fsr-3236	7	13	;	;	PUNCT
fsr-3236	7	14	confidence	confidence	NOUN
fsr-3236	7	15	;	;	PUNCT
fsr-3236	7	16	overconfidence	overconfidence	NOUN
fsr-3236	7	17	;	;	PUNCT
fsr-3236	7	18	financial	financial	ADJ
fsr-3236	7	19	behaviors	behavior	NOUN
fsr-3236	7	20	;	;	PUNCT
fsr-3236	7	21	risk	risk	NOUN
fsr-3236	7	22	1	1	NUM
fsr-3236	7	23	.	.	PUNCT
fsr-3236	7	24	introduction	introduction	NOUN
fsr-3236	7	25	financial	financial	ADJ
fsr-3236	7	26	literacy	literacy	NOUN
fsr-3236	7	27	is	be	AUX
fsr-3236	7	28	a	a	DET
fsr-3236	7	29	measure	measure	NOUN
fsr-3236	7	30	of	of	ADP
fsr-3236	7	31	the	the	DET
fsr-3236	7	32	degree	degree	NOUN
fsr-3236	7	33	to	to	PART
fsr-3236	7	34	which	which	PRON
fsr-3236	7	35	one	one	PRON
fsr-3236	7	36	understands	understand	VERB
fsr-3236	7	37	key	key	ADJ
fsr-3236	7	38	financial	financial	ADJ
fsr-3236	7	39	concepts	concept	NOUN
fsr-3236	7	40	and	and	CCONJ
fsr-3236	7	41	possesses	possess	VERB
fsr-3236	7	42	the	the	DET
fsr-3236	7	43	ability	ability	NOUN
fsr-3236	7	44	and	and	CCONJ
fsr-3236	7	45	confidence	confidence	NOUN
fsr-3236	7	46	to	to	PART
fsr-3236	7	47	manage	manage	VERB
fsr-3236	7	48	personal	personal	ADJ
fsr-3236	7	49	finances	finance	NOUN
fsr-3236	7	50	through	through	ADP
fsr-3236	7	51	appropriate	appropriate	ADJ
fsr-3236	7	52	short	short	ADJ
fsr-3236	7	53	-	-	PUNCT
fsr-3236	7	54	term	term	NOUN
fsr-3236	7	55	decision	decision	NOUN
fsr-3236	7	56	making	making	NOUN
fsr-3236	7	57	and	and	CCONJ
fsr-3236	7	58	sound	sound	ADJ
fsr-3236	7	59	,	,	PUNCT
fsr-3236	7	60	long	long	ADJ
fsr-3236	7	61	-	-	PUNCT
fsr-3236	7	62	range	range	NOUN
fsr-3236	7	63	financial	financial	ADJ
fsr-3236	7	64	planning	planning	NOUN
fsr-3236	7	65	,	,	PUNCT
fsr-3236	7	66	while	while	SCONJ
fsr-3236	7	67	mindful	mindful	ADJ
fsr-3236	7	68	of	of	ADP
fsr-3236	7	69	life	life	NOUN
fsr-3236	7	70	events	event	NOUN
fsr-3236	7	71	and	and	CCONJ
fsr-3236	7	72	changing	change	VERB
fsr-3236	7	73	economic	economic	ADJ
fsr-3236	7	74	conditions	condition	NOUN
fsr-3236	7	75	.	.	PUNCT
fsr-3236	8	1	(	(	PUNCT
fsr-3236	8	2	remund	remund	NOUN
fsr-3236	8	3	,	,	PUNCT
fsr-3236	8	4	2010	2010	NUM
fsr-3236	8	5	,	,	PUNCT
fsr-3236	8	6	p.	p.	NOUN
fsr-3236	8	7	284	284	NUM
fsr-3236	8	8	)	)	PUNCT
fsr-3236	8	9	financial	financial	ADJ
fsr-3236	8	10	decision	decision	NOUN
fsr-3236	8	11	making	make	VERB
fsr-3236	8	12	is	be	AUX
fsr-3236	8	13	an	an	DET
fsr-3236	8	14	essential	essential	ADJ
fsr-3236	8	15	component	component	NOUN
fsr-3236	8	16	of	of	ADP
fsr-3236	8	17	day	day	NOUN
fsr-3236	8	18	-	-	PUNCT
fsr-3236	8	19	to	to	ADP
fsr-3236	8	20	-	-	PUNCT
fsr-3236	8	21	day	day	NOUN
fsr-3236	8	22	life	life	NOUN
fsr-3236	8	23	,	,	PUNCT
fsr-3236	8	24	from	from	ADP
fsr-3236	8	25	minor	minor	ADJ
fsr-3236	8	26	decisions	decision	NOUN
fsr-3236	8	27	such	such	ADJ
fsr-3236	8	28	as	as	ADP
fsr-3236	8	29	deciding	decide	VERB
fsr-3236	8	30	whether	whether	SCONJ
fsr-3236	8	31	or	or	CCONJ
fsr-3236	8	32	not	not	PART
fsr-3236	8	33	to	to	PART
fsr-3236	8	34	purchase	purchase	VERB
fsr-3236	8	35	a	a	DET
fsr-3236	8	36	latte	latte	NOUN
fsr-3236	8	37	to	to	ADP
fsr-3236	8	38	major	major	ADJ
fsr-3236	8	39	decisions	decision	NOUN
fsr-3236	8	40	such	such	ADJ
fsr-3236	8	41	as	as	ADP
fsr-3236	8	42	taking	take	VERB
fsr-3236	8	43	on	on	ADP
fsr-3236	8	44	a	a	DET
fsr-3236	8	45	home	home	NOUN
fsr-3236	8	46	mortgage	mortgage	NOUN
fsr-3236	8	47	.	.	PUNCT
fsr-3236	9	1	several	several	ADJ
fsr-3236	9	2	definitions	definition	NOUN
fsr-3236	9	3	of	of	ADP
fsr-3236	9	4	financial	financial	ADJ
fsr-3236	9	5	literacy	literacy	NOUN
fsr-3236	9	6	highlight	highlight	VERB
fsr-3236	9	7	that	that	PRON
fsr-3236	9	8	to	to	PART
fsr-3236	9	9	make	make	VERB
fsr-3236	9	10	sound	sound	ADJ
fsr-3236	9	11	financial	financial	ADJ
fsr-3236	9	12	decisions	decision	NOUN
fsr-3236	9	13	,	,	PUNCT
fsr-3236	9	14	individuals	individual	NOUN
fsr-3236	9	15	must	must	AUX
fsr-3236	9	16	not	not	PART
fsr-3236	9	17	only	only	ADV
fsr-3236	9	18	possess	possess	VERB
fsr-3236	9	19	the	the	DET
fsr-3236	9	20	necessary	necessary	ADJ
fsr-3236	9	21	knowledge	knowledge	NOUN
fsr-3236	9	22	,	,	PUNCT
fsr-3236	9	23	but	but	CCONJ
fsr-3236	9	24	*	*	PUNCT
fsr-3236	9	25	corresponding	correspond	VERB
fsr-3236	9	26	author	author	NOUN
fsr-3236	9	27	.	.	PUNCT
fsr-3236	10	1	tel	tel	PROPN
fsr-3236	10	2	.	.	PUNCT
fsr-3236	10	3	:	:	PUNCT
fsr-3236	11	1	�	�	PROPN
fsr-3236	11	2	1	1	NUM
fsr-3236	11	3	-	-	SYM
fsr-3236	11	4	440	440	NUM
fsr-3236	11	5	-	-	PUNCT
fsr-3236	11	6	826	826	NUM
fsr-3236	11	7	-	-	PUNCT
fsr-3236	11	8	2392	2392	NUM
fsr-3236	11	9	;	;	PUNCT
fsr-3236	11	10	fax	fax	NOUN
fsr-3236	11	11	:	:	PUNCT
fsr-3236	11	12	�	�	PROPN
fsr-3236	11	13	1	1	NUM
fsr-3236	11	14	-	-	SYM
fsr-3236	11	15	440	440	NUM
fsr-3236	11	16	-	-	PUNCT
fsr-3236	11	17	826	826	NUM
fsr-3236	11	18	-	-	SYM
fsr-3236	11	19	3868	3868	NUM
fsr-3236	11	20	.	.	PUNCT
fsr-3236	12	1	e	e	X
fsr-3236	12	2	-	-	NOUN
fsr-3236	12	3	mail	mail	NOUN
fsr-3236	12	4	address	address	NOUN
fsr-3236	12	5	:	:	PUNCT
fsr-3236	12	6	colleen.tokar@gmail.com	colleen.tokar@gmail.com	X
fsr-3236	12	7	financial	financial	ADJ
fsr-3236	12	8	services	service	NOUN
fsr-3236	12	9	review	review	VERB
fsr-3236	12	10	24	24	NUM
fsr-3236	12	11	(	(	PUNCT
fsr-3236	12	12	2015	2015	NUM
fsr-3236	12	13	)	)	PUNCT
fsr-3236	12	14	101–117	101–117	NUM
fsr-3236	12	15	1057	1057	NUM
fsr-3236	12	16	-	-	SYM
fsr-3236	12	17	0810/15/$	0810/15/$	NUM
fsr-3236	12	18	–	–	PUNCT
fsr-3236	12	19	see	see	VERB
fsr-3236	12	20	front	front	ADJ
fsr-3236	12	21	matter	matter	NOUN
fsr-3236	12	22	©	©	PROPN
fsr-3236	12	23	2015	2015	NUM
fsr-3236	12	24	academy	academy	NOUN
fsr-3236	12	25	of	of	ADP
fsr-3236	12	26	financial	financial	ADJ
fsr-3236	12	27	services	service	NOUN
fsr-3236	12	28	.	.	PUNCT
fsr-3236	13	1	all	all	DET
fsr-3236	13	2	rights	right	NOUN
fsr-3236	13	3	reserved	reserve	VERB
fsr-3236	13	4	.	.	PUNCT
fsr-3236	14	1	must	must	AUX
fsr-3236	14	2	also	also	ADV
fsr-3236	14	3	have	have	VERB
fsr-3236	14	4	“	"	PUNCT
fsr-3236	14	5	the	the	DET
fsr-3236	14	6	ability	ability	NOUN
fsr-3236	14	7	and	and	CCONJ
fsr-3236	14	8	confidence	confidence	NOUN
fsr-3236	14	9	”	"	PUNCT
fsr-3236	14	10	to	to	PART
fsr-3236	14	11	apply	apply	VERB
fsr-3236	14	12	their	their	PRON
fsr-3236	14	13	knowledge	knowledge	NOUN
fsr-3236	14	14	.	.	PUNCT
fsr-3236	15	1	this	this	DET
fsr-3236	15	2	article	article	NOUN
fsr-3236	15	3	explores	explore	VERB
fsr-3236	15	4	how	how	SCONJ
fsr-3236	15	5	financial	financial	ADJ
fsr-3236	15	6	literacy	literacy	NOUN
fsr-3236	15	7	influences	influence	VERB
fsr-3236	15	8	financial	financial	ADJ
fsr-3236	15	9	behaviors	behavior	NOUN
fsr-3236	15	10	.	.	PUNCT
fsr-3236	16	1	by	by	ADP
fsr-3236	16	2	examining	examine	VERB
fsr-3236	16	3	two	two	NUM
fsr-3236	16	4	components	component	NOUN
fsr-3236	16	5	of	of	ADP
fsr-3236	16	6	financial	financial	ADJ
fsr-3236	16	7	literacy	literacy	NOUN
fsr-3236	16	8	,	,	PUNCT
fsr-3236	16	9	financial	financial	ADJ
fsr-3236	16	10	knowledge	knowledge	NOUN
fsr-3236	16	11	,	,	PUNCT
fsr-3236	16	12	and	and	CCONJ
fsr-3236	16	13	financial	financial	ADJ
fsr-3236	16	14	confidence	confidence	NOUN
fsr-3236	16	15	(	(	PUNCT
fsr-3236	16	16	or	or	CCONJ
fsr-3236	16	17	perceived	perceive	VERB
fsr-3236	16	18	knowledge	knowledge	NOUN
fsr-3236	16	19	)	)	PUNCT
fsr-3236	16	20	,	,	PUNCT
fsr-3236	16	21	this	this	DET
fsr-3236	16	22	article	article	NOUN
fsr-3236	16	23	demonstrates	demonstrate	VERB
fsr-3236	16	24	that	that	SCONJ
fsr-3236	16	25	both	both	DET
fsr-3236	16	26	components	component	NOUN
fsr-3236	16	27	are	be	AUX
fsr-3236	16	28	critically	critically	ADV
fsr-3236	16	29	important	important	ADJ
fsr-3236	16	30	to	to	PART
fsr-3236	16	31	sound	sound	VERB
fsr-3236	16	32	decision	decision	NOUN
fsr-3236	16	33	-	-	PUNCT
fsr-3236	16	34	making	making	NOUN
fsr-3236	16	35	.	.	PUNCT
fsr-3236	17	1	using	use	VERB
fsr-3236	17	2	survey	survey	NOUN
fsr-3236	17	3	data	datum	NOUN
fsr-3236	17	4	from	from	ADP
fsr-3236	17	5	finras	finra	NOUN
fsr-3236	17	6	2012	2012	NUM
fsr-3236	17	7	national	national	ADJ
fsr-3236	17	8	financial	financial	ADJ
fsr-3236	17	9	capability	capability	NOUN
fsr-3236	17	10	study	study	NOUN
fsr-3236	17	11	(	(	PUNCT
fsr-3236	17	12	nfcs	nfc	NOUN
fsr-3236	17	13	)	)	PUNCT
fsr-3236	17	14	,	,	PUNCT
fsr-3236	17	15	financial	financial	ADJ
fsr-3236	17	16	knowledge	knowledge	NOUN
fsr-3236	17	17	is	be	AUX
fsr-3236	17	18	measured	measure	VERB
fsr-3236	17	19	by	by	ADP
fsr-3236	17	20	the	the	DET
fsr-3236	17	21	number	number	NOUN
fsr-3236	17	22	of	of	ADP
fsr-3236	17	23	correct	correct	ADJ
fsr-3236	17	24	answers	answer	NOUN
fsr-3236	17	25	to	to	ADP
fsr-3236	17	26	multiple	multiple	ADJ
fsr-3236	17	27	-	-	PUNCT
fsr-3236	17	28	choice	choice	NOUN
fsr-3236	17	29	and	and	CCONJ
fsr-3236	17	30	true	true	ADJ
fsr-3236	17	31	or	or	CCONJ
fsr-3236	17	32	false	false	ADJ
fsr-3236	17	33	questions	question	NOUN
fsr-3236	17	34	.	.	PUNCT
fsr-3236	18	1	financial	financial	ADJ
fsr-3236	18	2	confidence	confidence	NOUN
fsr-3236	18	3	reflects	reflect	VERB
fsr-3236	18	4	a	a	DET
fsr-3236	18	5	self	self	NOUN
fsr-3236	18	6	-	-	PUNCT
fsr-3236	18	7	assessed	assess	VERB
fsr-3236	18	8	level	level	NOUN
fsr-3236	18	9	of	of	ADP
fsr-3236	18	10	financial	financial	ADJ
fsr-3236	18	11	knowledge	knowledge	NOUN
fsr-3236	18	12	,	,	PUNCT
fsr-3236	18	13	which	which	PRON
fsr-3236	18	14	may	may	AUX
fsr-3236	18	15	or	or	CCONJ
fsr-3236	18	16	may	may	AUX
fsr-3236	18	17	not	not	PART
fsr-3236	18	18	coincide	coincide	VERB
fsr-3236	18	19	with	with	ADP
fsr-3236	18	20	measured	measure	VERB
fsr-3236	18	21	financial	financial	ADJ
fsr-3236	18	22	knowledge	knowledge	NOUN
fsr-3236	18	23	.	.	PUNCT
fsr-3236	19	1	this	this	DET
fsr-3236	19	2	article	article	NOUN
fsr-3236	19	3	demonstrates	demonstrate	VERB
fsr-3236	19	4	that	that	SCONJ
fsr-3236	19	5	both	both	CCONJ
fsr-3236	19	6	knowledge	knowledge	NOUN
fsr-3236	19	7	and	and	CCONJ
fsr-3236	19	8	confidence	confidence	NOUN
fsr-3236	19	9	influence	influence	NOUN
fsr-3236	19	10	financial	financial	ADJ
fsr-3236	19	11	behaviors	behavior	NOUN
fsr-3236	19	12	,	,	PUNCT
fsr-3236	19	13	and	and	CCONJ
fsr-3236	19	14	surprisingly	surprisingly	ADV
fsr-3236	19	15	,	,	PUNCT
fsr-3236	19	16	the	the	DET
fsr-3236	19	17	effect	effect	NOUN
fsr-3236	19	18	of	of	ADP
fsr-3236	19	19	financial	financial	ADJ
fsr-3236	19	20	confidence	confidence	NOUN
fsr-3236	19	21	on	on	ADP
fsr-3236	19	22	behaviors	behavior	NOUN
fsr-3236	19	23	is	be	AUX
fsr-3236	19	24	just	just	ADV
fsr-3236	19	25	as	as	ADV
fsr-3236	19	26	important	important	ADJ
fsr-3236	19	27	as	as	ADP
fsr-3236	19	28	the	the	DET
fsr-3236	19	29	effect	effect	NOUN
fsr-3236	19	30	of	of	ADP
fsr-3236	19	31	financial	financial	ADJ
fsr-3236	19	32	knowledge	knowledge	NOUN
fsr-3236	19	33	.	.	PUNCT
fsr-3236	20	1	furthermore	furthermore	ADV
fsr-3236	20	2	,	,	PUNCT
fsr-3236	20	3	confidence	confidence	NOUN
fsr-3236	20	4	is	be	AUX
fsr-3236	20	5	an	an	DET
fsr-3236	20	6	important	important	ADJ
fsr-3236	20	7	predictor	predictor	NOUN
fsr-3236	20	8	of	of	ADP
fsr-3236	20	9	financial	financial	ADJ
fsr-3236	20	10	behavior	behavior	NOUN
fsr-3236	20	11	across	across	ADP
fsr-3236	20	12	all	all	DET
fsr-3236	20	13	actual	actual	ADJ
fsr-3236	20	14	financial	financial	ADJ
fsr-3236	20	15	knowledge	knowledge	NOUN
fsr-3236	20	16	level	level	NOUN
fsr-3236	20	17	groups	group	NOUN
fsr-3236	20	18	.	.	PUNCT
fsr-3236	21	1	additionally	additionally	ADV
fsr-3236	21	2	,	,	PUNCT
fsr-3236	21	3	by	by	ADP
fsr-3236	21	4	examining	examine	VERB
fsr-3236	21	5	the	the	DET
fsr-3236	21	6	interaction	interaction	NOUN
fsr-3236	21	7	of	of	ADP
fsr-3236	21	8	financial	financial	ADJ
fsr-3236	21	9	knowledge	knowledge	NOUN
fsr-3236	21	10	and	and	CCONJ
fsr-3236	21	11	confidence	confidence	NOUN
fsr-3236	21	12	,	,	PUNCT
fsr-3236	21	13	this	this	DET
fsr-3236	21	14	study	study	NOUN
fsr-3236	21	15	expands	expand	VERB
fsr-3236	21	16	on	on	ADP
fsr-3236	21	17	the	the	DET
fsr-3236	21	18	literature	literature	NOUN
fsr-3236	21	19	related	relate	VERB
fsr-3236	21	20	to	to	ADP
fsr-3236	21	21	overconfidence	overconfidence	NOUN
fsr-3236	21	22	,	,	PUNCT
fsr-3236	21	23	or	or	CCONJ
fsr-3236	21	24	the	the	DET
fsr-3236	21	25	tendency	tendency	NOUN
fsr-3236	21	26	to	to	PART
fsr-3236	21	27	overestimate	overestimate	VERB
fsr-3236	21	28	one	one	NUM
fsr-3236	21	29	’s	’s	PART
fsr-3236	21	30	accuracy	accuracy	NOUN
fsr-3236	21	31	and	and	CCONJ
fsr-3236	21	32	to	to	PART
fsr-3236	21	33	underestimate	underestimate	VERB
fsr-3236	21	34	risk	risk	NOUN
fsr-3236	21	35	.	.	PUNCT
fsr-3236	22	1	in	in	ADP
fsr-3236	22	2	instances	instance	NOUN
fsr-3236	22	3	where	where	SCONJ
fsr-3236	22	4	confidence	confidence	NOUN
fsr-3236	22	5	exceeds	exceed	VERB
fsr-3236	22	6	actual	actual	ADJ
fsr-3236	22	7	knowledge	knowledge	NOUN
fsr-3236	22	8	(	(	PUNCT
fsr-3236	22	9	i.e.	i.e.	X
fsr-3236	22	10	,	,	PUNCT
fsr-3236	22	11	overconfidence	overconfidence	NOUN
fsr-3236	22	12	)	)	PUNCT
fsr-3236	22	13	,	,	PUNCT
fsr-3236	22	14	an	an	DET
fsr-3236	22	15	individual	individual	NOUN
fsr-3236	22	16	has	have	VERB
fsr-3236	22	17	a	a	DET
fsr-3236	22	18	greater	great	ADJ
fsr-3236	22	19	likelihood	likelihood	NOUN
fsr-3236	22	20	of	of	ADP
fsr-3236	22	21	engaging	engage	VERB
fsr-3236	22	22	in	in	ADP
fsr-3236	22	23	risky	risky	ADJ
fsr-3236	22	24	(	(	PUNCT
fsr-3236	22	25	costly	costly	ADJ
fsr-3236	22	26	)	)	PUNCT
fsr-3236	22	27	financial	financial	ADJ
fsr-3236	22	28	behaviors	behavior	NOUN
fsr-3236	22	29	,	,	PUNCT
fsr-3236	22	30	such	such	ADJ
fsr-3236	22	31	as	as	ADP
fsr-3236	22	32	taking	take	VERB
fsr-3236	22	33	out	out	ADP
fsr-3236	22	34	a	a	DET
fsr-3236	22	35	title	title	NOUN
fsr-3236	22	36	-	-	PUNCT
fsr-3236	22	37	loan	loan	NOUN
fsr-3236	22	38	.	.	PUNCT
fsr-3236	23	1	a	a	DET
fsr-3236	23	2	key	key	ADJ
fsr-3236	23	3	contribution	contribution	NOUN
fsr-3236	23	4	,	,	PUNCT
fsr-3236	23	5	therefore	therefore	ADV
fsr-3236	23	6	,	,	PUNCT
fsr-3236	23	7	is	be	AUX
fsr-3236	23	8	a	a	DET
fsr-3236	23	9	better	well	ADJ
fsr-3236	23	10	understanding	understanding	NOUN
fsr-3236	23	11	of	of	ADP
fsr-3236	23	12	how	how	SCONJ
fsr-3236	23	13	confidence	confidence	NOUN
fsr-3236	23	14	influences	influence	VERB
fsr-3236	23	15	financial	financial	ADJ
fsr-3236	23	16	behaviors	behavior	NOUN
fsr-3236	23	17	:	:	PUNCT
fsr-3236	23	18	confidence	confidence	NOUN
fsr-3236	23	19	is	be	AUX
fsr-3236	23	20	good	good	ADJ
fsr-3236	23	21	,	,	PUNCT
fsr-3236	23	22	but	but	CCONJ
fsr-3236	23	23	not	not	PART
fsr-3236	23	24	if	if	SCONJ
fsr-3236	23	25	it	it	PRON
fsr-3236	23	26	greatly	greatly	ADV
fsr-3236	23	27	exceeds	exceed	VERB
fsr-3236	23	28	actual	actual	ADJ
fsr-3236	23	29	knowledge	knowledge	NOUN
fsr-3236	23	30	.	.	PUNCT
fsr-3236	24	1	prior	prior	ADJ
fsr-3236	24	2	research	research	NOUN
fsr-3236	24	3	associating	associate	VERB
fsr-3236	24	4	perceived	perceive	VERB
fsr-3236	24	5	knowledge	knowledge	NOUN
fsr-3236	24	6	with	with	ADP
fsr-3236	24	7	individual	individual	ADJ
fsr-3236	24	8	financial	financial	ADJ
fsr-3236	24	9	behaviors	behavior	NOUN
fsr-3236	24	10	has	have	AUX
fsr-3236	24	11	failed	fail	VERB
fsr-3236	24	12	to	to	PART
fsr-3236	24	13	reconcile	reconcile	VERB
fsr-3236	24	14	instances	instance	NOUN
fsr-3236	24	15	in	in	ADP
fsr-3236	24	16	which	which	PRON
fsr-3236	24	17	inaccurate	inaccurate	ADJ
fsr-3236	24	18	self	self	NOUN
fsr-3236	24	19	-	-	PUNCT
fsr-3236	24	20	assessments	assessment	NOUN
fsr-3236	24	21	can	can	AUX
fsr-3236	24	22	be	be	AUX
fsr-3236	24	23	harmful	harmful	ADJ
fsr-3236	24	24	.	.	PUNCT
fsr-3236	25	1	this	this	DET
fsr-3236	25	2	article	article	NOUN
fsr-3236	25	3	shows	show	VERB
fsr-3236	25	4	that	that	SCONJ
fsr-3236	25	5	,	,	PUNCT
fsr-3236	25	6	overall	overall	ADJ
fsr-3236	25	7	,	,	PUNCT
fsr-3236	25	8	positive	positive	ADJ
fsr-3236	25	9	illusions	illusion	NOUN
fsr-3236	25	10	are	be	AUX
fsr-3236	25	11	good	good	ADJ
fsr-3236	25	12	.	.	PUNCT
fsr-3236	26	1	however	however	ADV
fsr-3236	26	2	,	,	PUNCT
fsr-3236	26	3	this	this	DET
fsr-3236	26	4	article	article	NOUN
fsr-3236	26	5	also	also	ADV
fsr-3236	26	6	illuminates	illuminate	VERB
fsr-3236	26	7	the	the	DET
fsr-3236	26	8	particular	particular	ADJ
fsr-3236	26	9	risky	risky	ADJ
fsr-3236	26	10	situations	situation	NOUN
fsr-3236	26	11	in	in	ADP
fsr-3236	26	12	which	which	PRON
fsr-3236	26	13	overconfidence	overconfidence	NOUN
fsr-3236	26	14	is	be	AUX
fsr-3236	26	15	self	self	NOUN
fsr-3236	26	16	-	-	PUNCT
fsr-3236	26	17	injurious	injurious	ADJ
fsr-3236	26	18	.	.	PUNCT
fsr-3236	27	1	these	these	DET
fsr-3236	27	2	findings	finding	NOUN
fsr-3236	27	3	are	be	AUX
fsr-3236	27	4	relevant	relevant	ADJ
fsr-3236	27	5	across	across	ADP
fsr-3236	27	6	a	a	DET
fsr-3236	27	7	multitude	multitude	NOUN
fsr-3236	27	8	of	of	ADP
fsr-3236	27	9	disciplines	discipline	NOUN
fsr-3236	27	10	and	and	CCONJ
fsr-3236	27	11	are	be	AUX
fsr-3236	27	12	pertinent	pertinent	ADJ
fsr-3236	27	13	to	to	ADP
fsr-3236	27	14	individuals	individual	NOUN
fsr-3236	27	15	,	,	PUNCT
fsr-3236	27	16	practitioners	practitioner	NOUN
fsr-3236	27	17	,	,	PUNCT
fsr-3236	27	18	and	and	CCONJ
fsr-3236	27	19	institutions	institution	NOUN
fsr-3236	27	20	alike	alike	ADV
fsr-3236	27	21	.	.	PUNCT
fsr-3236	28	1	there	there	PRON
fsr-3236	28	2	are	be	VERB
fsr-3236	28	3	clear	clear	ADJ
fsr-3236	28	4	implications	implication	NOUN
fsr-3236	28	5	for	for	ADP
fsr-3236	28	6	financial	financial	ADJ
fsr-3236	28	7	literacy	literacy	NOUN
fsr-3236	28	8	initiatives	initiative	NOUN
fsr-3236	28	9	,	,	PUNCT
fsr-3236	28	10	initiatives	initiative	NOUN
fsr-3236	28	11	that	that	PRON
fsr-3236	28	12	are	be	AUX
fsr-3236	28	13	of	of	ADP
fsr-3236	28	14	utmost	utmost	ADJ
fsr-3236	28	15	importance	importance	NOUN
fsr-3236	28	16	given	give	VERB
fsr-3236	28	17	the	the	DET
fsr-3236	28	18	pervasiveness	pervasiveness	NOUN
fsr-3236	28	19	of	of	ADP
fsr-3236	28	20	financial	financial	ADJ
fsr-3236	28	21	decisions	decision	NOUN
fsr-3236	28	22	in	in	ADP
fsr-3236	28	23	every	every	DET
fsr-3236	28	24	individual	individual	NOUN
fsr-3236	28	25	’s	’s	PART
fsr-3236	28	26	daily	daily	ADJ
fsr-3236	28	27	life	life	NOUN
fsr-3236	28	28	.	.	PUNCT
fsr-3236	29	1	the	the	DET
fsr-3236	29	2	article	article	NOUN
fsr-3236	29	3	is	be	AUX
fsr-3236	29	4	organized	organize	VERB
fsr-3236	29	5	as	as	SCONJ
fsr-3236	29	6	follows	follow	VERB
fsr-3236	29	7	.	.	PUNCT
fsr-3236	30	1	section	section	NOUN
fsr-3236	30	2	2	2	NUM
fsr-3236	30	3	provides	provide	VERB
fsr-3236	30	4	an	an	DET
fsr-3236	30	5	overview	overview	NOUN
fsr-3236	30	6	of	of	ADP
fsr-3236	30	7	the	the	DET
fsr-3236	30	8	literature	literature	NOUN
fsr-3236	30	9	,	,	PUNCT
fsr-3236	30	10	touching	touch	VERB
fsr-3236	30	11	on	on	ADP
fsr-3236	30	12	financial	financial	ADJ
fsr-3236	30	13	literacy	literacy	NOUN
fsr-3236	30	14	,	,	PUNCT
fsr-3236	30	15	perceived	perceive	VERB
fsr-3236	30	16	knowledge	knowledge	NOUN
fsr-3236	30	17	,	,	PUNCT
fsr-3236	30	18	and	and	CCONJ
fsr-3236	30	19	overconfidence	overconfidence	NOUN
fsr-3236	30	20	.	.	PUNCT
fsr-3236	31	1	section	section	NOUN
fsr-3236	31	2	3	3	NUM
fsr-3236	31	3	details	detail	NOUN
fsr-3236	31	4	the	the	DET
fsr-3236	31	5	hypotheses	hypothesis	NOUN
fsr-3236	31	6	,	,	PUNCT
fsr-3236	31	7	as	as	ADV
fsr-3236	31	8	well	well	ADV
fsr-3236	31	9	as	as	ADP
fsr-3236	31	10	an	an	DET
fsr-3236	31	11	overview	overview	NOUN
fsr-3236	31	12	of	of	ADP
fsr-3236	31	13	the	the	DET
fsr-3236	31	14	data	datum	NOUN
fsr-3236	31	15	,	,	PUNCT
fsr-3236	31	16	measures	measure	NOUN
fsr-3236	31	17	,	,	PUNCT
fsr-3236	31	18	and	and	CCONJ
fsr-3236	31	19	methods	method	NOUN
fsr-3236	31	20	.	.	PUNCT
fsr-3236	32	1	section	section	NOUN
fsr-3236	32	2	4	4	NUM
fsr-3236	32	3	presents	present	VERB
fsr-3236	32	4	the	the	DET
fsr-3236	32	5	results	result	NOUN
fsr-3236	32	6	and	and	CCONJ
fsr-3236	32	7	section	section	NOUN
fsr-3236	32	8	5	5	NUM
fsr-3236	32	9	concludes	conclude	VERB
fsr-3236	32	10	.	.	PUNCT
fsr-3236	33	1	2	2	X
fsr-3236	33	2	.	.	X
fsr-3236	33	3	literature	literature	NOUN
fsr-3236	33	4	review	review	VERB
fsr-3236	33	5	2.1	2.1	NUM
fsr-3236	33	6	.	.	PUNCT
fsr-3236	34	1	financial	financial	ADJ
fsr-3236	34	2	literacy	literacy	NOUN
fsr-3236	34	3	mandell	mandell	PROPN
fsr-3236	34	4	(	(	PUNCT
fsr-3236	34	5	2008	2008	NUM
fsr-3236	34	6	,	,	PUNCT
fsr-3236	34	7	p.	p.	NOUN
fsr-3236	34	8	257	257	NUM
fsr-3236	34	9	)	)	PUNCT
fsr-3236	34	10	describes	describe	VERB
fsr-3236	34	11	financial	financial	ADJ
fsr-3236	34	12	literacy	literacy	NOUN
fsr-3236	34	13	as	as	ADP
fsr-3236	34	14	“	"	PUNCT
fsr-3236	34	15	the	the	DET
fsr-3236	34	16	ability	ability	NOUN
fsr-3236	34	17	of	of	ADP
fsr-3236	34	18	consumers	consumer	NOUN
fsr-3236	34	19	to	to	PART
fsr-3236	34	20	make	make	VERB
fsr-3236	34	21	financial	financial	ADJ
fsr-3236	34	22	decisions	decision	NOUN
fsr-3236	34	23	in	in	ADP
fsr-3236	34	24	their	their	PRON
fsr-3236	34	25	own	own	ADJ
fsr-3236	34	26	best	good	ADJ
fsr-3236	34	27	shortand	shortand	NOUN
fsr-3236	34	28	long	long	ADJ
fsr-3236	34	29	-	-	PUNCT
fsr-3236	34	30	term	term	NOUN
fsr-3236	34	31	interests	interest	NOUN
fsr-3236	34	32	.	.	PUNCT
fsr-3236	34	33	”	"	PUNCT
fsr-3236	35	1	at	at	ADP
fsr-3236	35	2	its	its	PRON
fsr-3236	35	3	most	most	ADV
fsr-3236	35	4	basic	basic	ADJ
fsr-3236	35	5	level	level	NOUN
fsr-3236	35	6	,	,	PUNCT
fsr-3236	35	7	“	"	PUNCT
fsr-3236	35	8	financial	financial	ADJ
fsr-3236	35	9	literacy	literacy	NOUN
fsr-3236	35	10	relates	relate	VERB
fsr-3236	35	11	to	to	ADP
fsr-3236	35	12	a	a	DET
fsr-3236	35	13	person	person	NOUN
fsr-3236	35	14	’s	’s	PART
fsr-3236	35	15	competency	competency	NOUN
fsr-3236	35	16	for	for	ADP
fsr-3236	35	17	managing	manage	VERB
fsr-3236	35	18	money	money	NOUN
fsr-3236	35	19	”	"	PUNCT
fsr-3236	35	20	and	and	CCONJ
fsr-3236	35	21	“	"	PUNCT
fsr-3236	35	22	is	be	AUX
fsr-3236	35	23	typically	typically	ADV
fsr-3236	35	24	measured	measure	VERB
fsr-3236	35	25	at	at	ADP
fsr-3236	35	26	the	the	DET
fsr-3236	35	27	individual	individual	ADJ
fsr-3236	35	28	level	level	NOUN
fsr-3236	35	29	and	and	CCONJ
fsr-3236	35	30	then	then	ADV
fsr-3236	35	31	aggregated	aggregate	VERB
fsr-3236	35	32	by	by	ADP
fsr-3236	35	33	groups	group	NOUN
fsr-3236	35	34	”	"	PUNCT
fsr-3236	35	35	(	(	PUNCT
fsr-3236	35	36	remund	remund	NOUN
fsr-3236	35	37	,	,	PUNCT
fsr-3236	35	38	2010	2010	NUM
fsr-3236	35	39	,	,	PUNCT
fsr-3236	35	40	p.	p.	NOUN
fsr-3236	35	41	279	279	NUM
fsr-3236	35	42	)	)	PUNCT
fsr-3236	35	43	.	.	PUNCT
fsr-3236	36	1	because	because	SCONJ
fsr-3236	36	2	of	of	ADP
fsr-3236	36	3	the	the	DET
fsr-3236	36	4	changing	change	VERB
fsr-3236	36	5	economic	economic	ADJ
fsr-3236	36	6	environment	environment	NOUN
fsr-3236	36	7	(	(	PUNCT
fsr-3236	36	8	e.g.	e.g.	ADV
fsr-3236	36	9	,	,	PUNCT
fsr-3236	36	10	see	see	VERB
fsr-3236	36	11	organisation	organisation	NOUN
fsr-3236	36	12	for	for	ADP
fsr-3236	36	13	economic	economic	ADJ
fsr-3236	36	14	c	c	NOUN
fsr-3236	36	15	-	-	PUNCT
fsr-3236	36	16	operation	operation	NOUN
fsr-3236	36	17	and	and	CCONJ
fsr-3236	36	18	development	development	NOUN
fsr-3236	36	19	[	[	X
fsr-3236	36	20	oecd	oecd	X
fsr-3236	36	21	]	]	X
fsr-3236	36	22	,	,	PUNCT
fsr-3236	36	23	2005	2005	NUM
fsr-3236	36	24	)	)	PUNCT
fsr-3236	36	25	,	,	PUNCT
fsr-3236	36	26	financial	financial	ADJ
fsr-3236	36	27	literacy	literacy	NOUN
fsr-3236	36	28	initiatives	initiative	NOUN
fsr-3236	36	29	have	have	AUX
fsr-3236	36	30	received	receive	VERB
fsr-3236	36	31	much	much	ADJ
fsr-3236	36	32	attention	attention	NOUN
fsr-3236	36	33	.	.	PUNCT
fsr-3236	37	1	102	102	NUM
fsr-3236	37	2	c.t	c.t	PROPN
fsr-3236	37	3	.	.	PROPN
fsr-3236	37	4	asaad	asaad	PROPN
fsr-3236	37	5	/	/	SYM
fsr-3236	37	6	financial	financial	ADJ
fsr-3236	37	7	services	service	NOUN
fsr-3236	37	8	review	review	VERB
fsr-3236	37	9	24	24	NUM
fsr-3236	37	10	(	(	PUNCT
fsr-3236	37	11	2015	2015	NUM
fsr-3236	37	12	)	)	PUNCT
fsr-3236	37	13	101–117	101–117	NUM
fsr-3236	37	14	research	research	NOUN
fsr-3236	37	15	suggests	suggest	VERB
fsr-3236	37	16	that	that	SCONJ
fsr-3236	37	17	financial	financial	ADJ
fsr-3236	37	18	education	education	NOUN
fsr-3236	37	19	has	have	VERB
fsr-3236	37	20	a	a	DET
fsr-3236	37	21	positive	positive	ADJ
fsr-3236	37	22	effect	effect	NOUN
fsr-3236	37	23	on	on	ADP
fsr-3236	37	24	financial	financial	ADJ
fsr-3236	37	25	behaviors	behavior	NOUN
fsr-3236	37	26	:	:	PUNCT
fsr-3236	37	27	education	education	NOUN
fsr-3236	37	28	programs	program	NOUN
fsr-3236	37	29	and	and	CCONJ
fsr-3236	37	30	seminars	seminar	NOUN
fsr-3236	37	31	affect	affect	VERB
fsr-3236	37	32	savings	saving	NOUN
fsr-3236	37	33	and	and	CCONJ
fsr-3236	37	34	total	total	ADJ
fsr-3236	37	35	financial	financial	ADJ
fsr-3236	37	36	wealth	wealth	NOUN
fsr-3236	37	37	(	(	PUNCT
fsr-3236	37	38	lusardi	lusardi	PROPN
fsr-3236	37	39	,	,	PUNCT
fsr-3236	37	40	2004	2004	NUM
fsr-3236	37	41	)	)	PUNCT
fsr-3236	37	42	,	,	PUNCT
fsr-3236	37	43	and	and	CCONJ
fsr-3236	37	44	individuals	individual	NOUN
fsr-3236	37	45	who	who	PRON
fsr-3236	37	46	studied	study	VERB
fsr-3236	37	47	economics	economic	NOUN
fsr-3236	37	48	or	or	CCONJ
fsr-3236	37	49	business	business	NOUN
fsr-3236	37	50	in	in	ADP
fsr-3236	37	51	high	high	ADJ
fsr-3236	37	52	school	school	NOUN
fsr-3236	37	53	are	be	AUX
fsr-3236	37	54	less	less	ADV
fsr-3236	37	55	likely	likely	ADJ
fsr-3236	37	56	to	to	PART
fsr-3236	37	57	be	be	AUX
fsr-3236	37	58	unbanked	unbanked	ADJ
fsr-3236	37	59	(	(	PUNCT
fsr-3236	37	60	bernheim	bernheim	PROPN
fsr-3236	37	61	,	,	PUNCT
fsr-3236	37	62	garrett	garrett	PROPN
fsr-3236	37	63	,	,	PUNCT
fsr-3236	37	64	and	and	CCONJ
fsr-3236	37	65	maki	maki	NOUN
fsr-3236	37	66	,	,	PUNCT
fsr-3236	37	67	2001	2001	NUM
fsr-3236	37	68	;	;	PUNCT
fsr-3236	38	1	grimes	grime	NOUN
fsr-3236	38	2	,	,	PUNCT
fsr-3236	38	3	rogers	roger	NOUN
fsr-3236	38	4	,	,	PUNCT
fsr-3236	38	5	and	and	CCONJ
fsr-3236	38	6	smith	smith	PROPN
fsr-3236	38	7	,	,	PUNCT
fsr-3236	38	8	2010	2010	NUM
fsr-3236	38	9	)	)	PUNCT
fsr-3236	38	10	.	.	PUNCT
fsr-3236	39	1	however	however	ADV
fsr-3236	39	2	,	,	PUNCT
fsr-3236	39	3	other	other	ADJ
fsr-3236	39	4	research	research	NOUN
fsr-3236	39	5	questions	question	VERB
fsr-3236	39	6	the	the	DET
fsr-3236	39	7	effectiveness	effectiveness	NOUN
fsr-3236	39	8	of	of	ADP
fsr-3236	39	9	financial	financial	ADJ
fsr-3236	39	10	literacy	literacy	NOUN
fsr-3236	39	11	initiatives	initiative	NOUN
fsr-3236	39	12	:	:	PUNCT
fsr-3236	39	13	educating	educate	VERB
fsr-3236	39	14	employees	employee	NOUN
fsr-3236	39	15	about	about	ADP
fsr-3236	39	16	the	the	DET
fsr-3236	39	17	risks	risk	NOUN
fsr-3236	39	18	of	of	ADP
fsr-3236	39	19	employer	employer	NOUN
fsr-3236	39	20	stock	stock	NOUN
fsr-3236	39	21	does	do	AUX
fsr-3236	39	22	not	not	PART
fsr-3236	39	23	significantly	significantly	ADV
fsr-3236	39	24	affect	affect	VERB
fsr-3236	39	25	401k	401k	NOUN
fsr-3236	39	26	holdings	holding	NOUN
fsr-3236	39	27	(	(	PUNCT
fsr-3236	39	28	choi	choi	NOUN
fsr-3236	39	29	,	,	PUNCT
fsr-3236	39	30	laibson	laibson	PROPN
fsr-3236	39	31	,	,	PUNCT
fsr-3236	39	32	madrian	madrian	NOUN
fsr-3236	39	33	,	,	PUNCT
fsr-3236	39	34	and	and	CCONJ
fsr-3236	39	35	metrick	metrick	ADJ
fsr-3236	39	36	,	,	PUNCT
fsr-3236	39	37	2005	2005	NUM
fsr-3236	39	38	)	)	PUNCT
fsr-3236	39	39	and	and	CCONJ
fsr-3236	39	40	high	high	ADJ
fsr-3236	39	41	school	school	NOUN
fsr-3236	39	42	students	student	NOUN
fsr-3236	39	43	who	who	PRON
fsr-3236	39	44	complete	complete	VERB
fsr-3236	39	45	a	a	DET
fsr-3236	39	46	semester	semester	NOUN
fsr-3236	39	47	of	of	ADP
fsr-3236	39	48	a	a	DET
fsr-3236	39	49	financial	financial	ADJ
fsr-3236	39	50	literacy	literacy	NOUN
fsr-3236	39	51	course	course	NOUN
fsr-3236	39	52	are	be	AUX
fsr-3236	39	53	no	no	PRON
fsr-3236	39	54	more	more	ADV
fsr-3236	39	55	financially	financially	ADV
fsr-3236	39	56	literate	literate	ADJ
fsr-3236	39	57	than	than	ADP
fsr-3236	39	58	high	high	ADJ
fsr-3236	39	59	school	school	NOUN
fsr-3236	39	60	students	student	NOUN
fsr-3236	39	61	who	who	PRON
fsr-3236	39	62	have	have	AUX
fsr-3236	39	63	not	not	PART
fsr-3236	39	64	completed	complete	VERB
fsr-3236	39	65	the	the	DET
fsr-3236	39	66	course	course	NOUN
fsr-3236	39	67	(	(	PUNCT
fsr-3236	39	68	mandell	mandell	PROPN
fsr-3236	39	69	and	and	CCONJ
fsr-3236	39	70	klein	klein	PROPN
fsr-3236	39	71	,	,	PUNCT
fsr-3236	39	72	2009	2009	NUM
fsr-3236	39	73	)	)	PUNCT
fsr-3236	39	74	.	.	PUNCT
fsr-3236	40	1	u.s	u.s	PROPN
fsr-3236	40	2	.	.	PROPN
fsr-3236	40	3	households	household	NOUN
fsr-3236	40	4	with	with	ADP
fsr-3236	40	5	higher	high	ADJ
fsr-3236	40	6	levels	level	NOUN
fsr-3236	40	7	of	of	ADP
fsr-3236	40	8	knowledge	knowledge	NOUN
fsr-3236	40	9	engage	engage	VERB
fsr-3236	40	10	in	in	ADP
fsr-3236	40	11	more	more	ADJ
fsr-3236	40	12	financial	financial	ADJ
fsr-3236	40	13	planning	planning	NOUN
fsr-3236	40	14	,	,	PUNCT
fsr-3236	40	15	although	although	SCONJ
fsr-3236	40	16	this	this	DET
fsr-3236	40	17	positive	positive	ADJ
fsr-3236	40	18	relationship	relationship	NOUN
fsr-3236	40	19	is	be	AUX
fsr-3236	40	20	weak	weak	ADJ
fsr-3236	40	21	(	(	PUNCT
fsr-3236	40	22	alhenawi	alhenawi	NOUN
fsr-3236	40	23	and	and	CCONJ
fsr-3236	40	24	elkhal	elkhal	VERB
fsr-3236	40	25	,	,	PUNCT
fsr-3236	40	26	2013	2013	NUM
fsr-3236	40	27	)	)	PUNCT
fsr-3236	40	28	.	.	PUNCT
fsr-3236	41	1	if	if	SCONJ
fsr-3236	41	2	financial	financial	ADJ
fsr-3236	41	3	knowledge	knowledge	NOUN
fsr-3236	41	4	is	be	AUX
fsr-3236	41	5	not	not	PART
fsr-3236	41	6	enough	enough	ADJ
fsr-3236	41	7	,	,	PUNCT
fsr-3236	41	8	what	what	DET
fsr-3236	41	9	other	other	ADJ
fsr-3236	41	10	factors	factor	NOUN
fsr-3236	41	11	influence	influence	VERB
fsr-3236	41	12	the	the	DET
fsr-3236	41	13	financial	financial	ADJ
fsr-3236	41	14	-	-	PUNCT
fsr-3236	41	15	decision	decision	NOUN
fsr-3236	41	16	making	making	NOUN
fsr-3236	41	17	process	process	NOUN
fsr-3236	41	18	?	?	PUNCT
fsr-3236	42	1	this	this	DET
fsr-3236	42	2	article	article	NOUN
fsr-3236	42	3	explores	explore	VERB
fsr-3236	42	4	how	how	SCONJ
fsr-3236	42	5	a	a	DET
fsr-3236	42	6	specific	specific	ADJ
fsr-3236	42	7	cognitive	cognitive	ADJ
fsr-3236	42	8	element	element	NOUN
fsr-3236	42	9	,	,	PUNCT
fsr-3236	42	10	perceived	perceive	VERB
fsr-3236	42	11	knowledge	knowledge	NOUN
fsr-3236	42	12	(	(	PUNCT
fsr-3236	42	13	or	or	CCONJ
fsr-3236	42	14	financial	financial	ADJ
fsr-3236	42	15	confidence	confidence	NOUN
fsr-3236	42	16	)	)	PUNCT
fsr-3236	42	17	,	,	PUNCT
fsr-3236	42	18	shapes	shape	VERB
fsr-3236	42	19	financial	financial	ADJ
fsr-3236	42	20	behaviors	behavior	NOUN
fsr-3236	42	21	.	.	PUNCT
fsr-3236	43	1	2.2	2.2	NUM
fsr-3236	43	2	.	.	PUNCT
fsr-3236	43	3	perceived	perceive	VERB
fsr-3236	43	4	knowledge	knowledge	NOUN
fsr-3236	43	5	(	(	PUNCT
fsr-3236	43	6	confidence	confidence	NOUN
fsr-3236	43	7	)	)	PUNCT
fsr-3236	43	8	researchers	researcher	NOUN
fsr-3236	43	9	often	often	ADV
fsr-3236	43	10	emphasize	emphasize	VERB
fsr-3236	43	11	what	what	PRON
fsr-3236	43	12	people	people	NOUN
fsr-3236	43	13	actually	actually	ADV
fsr-3236	43	14	know	know	VERB
fsr-3236	43	15	at	at	ADP
fsr-3236	43	16	a	a	DET
fsr-3236	43	17	given	give	VERB
fsr-3236	43	18	time	time	NOUN
fsr-3236	43	19	,	,	PUNCT
fsr-3236	43	20	yet	yet	CCONJ
fsr-3236	43	21	understanding	understand	VERB
fsr-3236	43	22	perceptions	perception	NOUN
fsr-3236	43	23	is	be	AUX
fsr-3236	43	24	also	also	ADV
fsr-3236	43	25	important	important	ADJ
fsr-3236	43	26	.	.	PUNCT
fsr-3236	44	1	park	park	NOUN
fsr-3236	44	2	,	,	PUNCT
fsr-3236	44	3	gardner	gardner	NOUN
fsr-3236	44	4	,	,	PUNCT
fsr-3236	44	5	and	and	CCONJ
fsr-3236	44	6	thukral	thukral	ADJ
fsr-3236	44	7	(	(	PUNCT
fsr-3236	44	8	1988	1988	NUM
fsr-3236	44	9	)	)	PUNCT
fsr-3236	44	10	emphasize	emphasize	VERB
fsr-3236	44	11	that	that	SCONJ
fsr-3236	44	12	perceived	perceive	VERB
fsr-3236	44	13	knowledge	knowledge	NOUN
fsr-3236	44	14	is	be	AUX
fsr-3236	44	15	related	relate	VERB
fsr-3236	44	16	to	to	ADP
fsr-3236	44	17	cognitive	cognitive	ADJ
fsr-3236	44	18	functioning	functioning	NOUN
fsr-3236	44	19	,	,	PUNCT
fsr-3236	44	20	including	include	VERB
fsr-3236	44	21	recognition	recognition	NOUN
fsr-3236	44	22	(	(	PUNCT
fsr-3236	44	23	schachter	schachter	NOUN
fsr-3236	44	24	,	,	PUNCT
fsr-3236	44	25	1983	1983	NUM
fsr-3236	44	26	)	)	PUNCT
fsr-3236	44	27	,	,	PUNCT
fsr-3236	44	28	identification	identification	NOUN
fsr-3236	44	29	(	(	PUNCT
fsr-3236	44	30	nelson	nelson	PROPN
fsr-3236	44	31	,	,	PUNCT
fsr-3236	44	32	gerler	gerler	NOUN
fsr-3236	44	33	,	,	PUNCT
fsr-3236	44	34	and	and	CCONJ
fsr-3236	44	35	narens	naren	NOUN
fsr-3236	44	36	,	,	PUNCT
fsr-3236	44	37	1984	1984	NUM
fsr-3236	44	38	)	)	PUNCT
fsr-3236	44	39	,	,	PUNCT
fsr-3236	44	40	and	and	CCONJ
fsr-3236	44	41	problem	problem	NOUN
fsr-3236	44	42	solving	solve	VERB
fsr-3236	44	43	(	(	PUNCT
fsr-3236	44	44	metcalfe	metcalfe	PROPN
fsr-3236	44	45	,	,	PUNCT
fsr-3236	44	46	1986	1986	NUM
fsr-3236	44	47	)	)	PUNCT
fsr-3236	44	48	.	.	PUNCT
fsr-3236	45	1	both	both	DET
fsr-3236	45	2	an	an	DET
fsr-3236	45	3	individual	individual	NOUN
fsr-3236	45	4	’s	’s	PART
fsr-3236	45	5	actual	actual	ADJ
fsr-3236	45	6	financial	financial	ADJ
fsr-3236	45	7	knowledge	knowledge	NOUN
fsr-3236	45	8	and	and	CCONJ
fsr-3236	45	9	perceived	perceive	VERB
fsr-3236	45	10	financial	financial	ADJ
fsr-3236	45	11	knowledge	knowledge	NOUN
fsr-3236	45	12	influence	influence	NOUN
fsr-3236	45	13	investments	investment	NOUN
fsr-3236	45	14	(	(	PUNCT
fsr-3236	45	15	kyrychenko	kyrychenko	ADJ
fsr-3236	45	16	and	and	CCONJ
fsr-3236	45	17	shumb	shumb	ADJ
fsr-3236	45	18	,	,	PUNCT
fsr-3236	45	19	2009	2009	NUM
fsr-3236	45	20	)	)	PUNCT
fsr-3236	45	21	,	,	PUNCT
fsr-3236	45	22	retirement	retirement	NOUN
fsr-3236	45	23	planning	planning	NOUN
fsr-3236	45	24	(	(	PUNCT
fsr-3236	45	25	parker	parker	PROPN
fsr-3236	45	26	,	,	PUNCT
fsr-3236	45	27	bruin	bruin	NOUN
fsr-3236	45	28	,	,	PUNCT
fsr-3236	45	29	yoong	yoong	PROPN
fsr-3236	45	30	,	,	PUNCT
fsr-3236	45	31	and	and	CCONJ
fsr-3236	45	32	willis	willis	PROPN
fsr-3236	45	33	,	,	PUNCT
fsr-3236	45	34	2011	2011	NUM
fsr-3236	45	35	)	)	PUNCT
fsr-3236	45	36	,	,	PUNCT
fsr-3236	45	37	and	and	CCONJ
fsr-3236	45	38	credit	credit	NOUN
fsr-3236	45	39	card	card	NOUN
fsr-3236	45	40	behaviors	behavior	NOUN
fsr-3236	45	41	(	(	PUNCT
fsr-3236	45	42	allgood	allgood	NOUN
fsr-3236	45	43	and	and	CCONJ
fsr-3236	45	44	walstad	walstad	NOUN
fsr-3236	45	45	,	,	PUNCT
fsr-3236	45	46	2013	2013	NUM
fsr-3236	45	47	)	)	PUNCT
fsr-3236	45	48	.	.	PUNCT
fsr-3236	46	1	furthermore	furthermore	ADV
fsr-3236	46	2	,	,	PUNCT
fsr-3236	46	3	carpena	carpena	PROPN
fsr-3236	46	4	,	,	PUNCT
fsr-3236	46	5	cole	cole	PROPN
fsr-3236	46	6	,	,	PUNCT
fsr-3236	46	7	shapiro	shapiro	PROPN
fsr-3236	46	8	,	,	PUNCT
fsr-3236	46	9	and	and	CCONJ
fsr-3236	46	10	zia	zia	PROPN
fsr-3236	46	11	(	(	PUNCT
fsr-3236	46	12	2011	2011	NUM
fsr-3236	46	13	)	)	PUNCT
fsr-3236	46	14	emphasize	emphasize	VERB
fsr-3236	46	15	that	that	PRON
fsr-3236	46	16	aside	aside	ADV
fsr-3236	46	17	from	from	ADP
fsr-3236	46	18	numeracy	numeracy	NOUN
fsr-3236	46	19	based	base	VERB
fsr-3236	46	20	knowledge	knowledge	NOUN
fsr-3236	46	21	,	,	PUNCT
fsr-3236	46	22	financial	financial	ADJ
fsr-3236	46	23	literacy	literacy	NOUN
fsr-3236	46	24	may	may	AUX
fsr-3236	46	25	also	also	ADV
fsr-3236	46	26	affect	affect	VERB
fsr-3236	46	27	decisions	decision	NOUN
fsr-3236	46	28	through	through	ADP
fsr-3236	46	29	an	an	DET
fsr-3236	46	30	individual	individual	NOUN
fsr-3236	46	31	’s	’s	PART
fsr-3236	46	32	increased	increase	VERB
fsr-3236	46	33	awareness	awareness	NOUN
fsr-3236	46	34	and	and	CCONJ
fsr-3236	46	35	initiative	initiative	NOUN
fsr-3236	46	36	.	.	PUNCT
fsr-3236	47	1	thus	thus	ADV
fsr-3236	47	2	,	,	PUNCT
fsr-3236	47	3	financial	financial	ADJ
fsr-3236	47	4	confidence	confidence	NOUN
fsr-3236	47	5	is	be	AUX
fsr-3236	47	6	a	a	DET
fsr-3236	47	7	critical	critical	ADJ
fsr-3236	47	8	component	component	NOUN
fsr-3236	47	9	of	of	ADP
fsr-3236	47	10	financial	financial	ADJ
fsr-3236	47	11	decision	decision	NOUN
fsr-3236	47	12	making	making	NOUN
fsr-3236	47	13	.	.	PUNCT
fsr-3236	48	1	often	often	ADV
fsr-3236	48	2	there	there	PRON
fsr-3236	48	3	is	be	VERB
fsr-3236	48	4	a	a	DET
fsr-3236	48	5	discrepancy	discrepancy	NOUN
fsr-3236	48	6	between	between	ADP
fsr-3236	48	7	an	an	DET
fsr-3236	48	8	individual	individual	NOUN
fsr-3236	48	9	’s	’s	PART
fsr-3236	48	10	actual	actual	ADJ
fsr-3236	48	11	knowledge	knowledge	NOUN
fsr-3236	48	12	and	and	CCONJ
fsr-3236	48	13	an	an	DET
fsr-3236	48	14	individual	individual	NOUN
fsr-3236	48	15	’s	’s	PART
fsr-3236	48	16	self	self	NOUN
fsr-3236	48	17	-	-	PUNCT
fsr-3236	48	18	perception	perception	NOUN
fsr-3236	48	19	,	,	PUNCT
fsr-3236	48	20	or	or	CCONJ
fsr-3236	48	21	confidence	confidence	NOUN
fsr-3236	48	22	.	.	PUNCT
fsr-3236	49	1	correlations	correlation	NOUN
fsr-3236	49	2	between	between	ADP
fsr-3236	49	3	actual	actual	ADJ
fsr-3236	49	4	and	and	CCONJ
fsr-3236	49	5	perceived	perceive	VERB
fsr-3236	49	6	financial	financial	ADJ
fsr-3236	49	7	knowledge	knowledge	NOUN
fsr-3236	49	8	vary	vary	VERB
fsr-3236	49	9	considerably	considerably	ADV
fsr-3236	49	10	on	on	ADP
fsr-3236	49	11	an	an	DET
fsr-3236	49	12	individual	individual	ADJ
fsr-3236	49	13	basis	basis	NOUN
fsr-3236	49	14	(	(	PUNCT
fsr-3236	49	15	agnew	agnew	PROPN
fsr-3236	49	16	and	and	CCONJ
fsr-3236	49	17	szykman	szykman	NOUN
fsr-3236	49	18	,	,	PUNCT
fsr-3236	49	19	2005	2005	NUM
fsr-3236	49	20	)	)	PUNCT
fsr-3236	49	21	.	.	PUNCT
fsr-3236	50	1	it	it	PRON
fsr-3236	50	2	is	be	AUX
fsr-3236	50	3	interesting	interesting	ADJ
fsr-3236	50	4	to	to	PART
fsr-3236	50	5	look	look	VERB
fsr-3236	50	6	at	at	ADP
fsr-3236	50	7	the	the	DET
fsr-3236	50	8	interactions	interaction	NOUN
fsr-3236	50	9	and	and	CCONJ
fsr-3236	50	10	differences	difference	NOUN
fsr-3236	50	11	between	between	ADP
fsr-3236	50	12	these	these	DET
fsr-3236	50	13	two	two	NUM
fsr-3236	50	14	measures	measure	NOUN
fsr-3236	50	15	of	of	ADP
fsr-3236	50	16	knowledge	knowledge	NOUN
fsr-3236	50	17	,	,	PUNCT
fsr-3236	50	18	specifically	specifically	ADV
fsr-3236	50	19	in	in	ADP
fsr-3236	50	20	situations	situation	NOUN
fsr-3236	50	21	where	where	SCONJ
fsr-3236	50	22	confidence	confidence	NOUN
fsr-3236	50	23	exceeds	exceed	VERB
fsr-3236	50	24	actual	actual	ADJ
fsr-3236	50	25	knowledge	knowledge	NOUN
fsr-3236	50	26	.	.	PUNCT
fsr-3236	51	1	2.2.1	2.2.1	NUM
fsr-3236	51	2	.	.	PUNCT
fsr-3236	51	3	overconfidence	overconfidence	NOUN
fsr-3236	51	4	overconfidence	overconfidence	NOUN
fsr-3236	51	5	refers	refer	VERB
fsr-3236	51	6	to	to	ADP
fsr-3236	51	7	an	an	DET
fsr-3236	51	8	individual	individual	NOUN
fsr-3236	51	9	’s	’s	PART
fsr-3236	51	10	propensity	propensity	NOUN
fsr-3236	51	11	to	to	PART
fsr-3236	51	12	overestimate	overestimate	VERB
fsr-3236	51	13	the	the	DET
fsr-3236	51	14	accuracy	accuracy	NOUN
fsr-3236	51	15	of	of	ADP
fsr-3236	51	16	his	his	PRON
fsr-3236	51	17	or	or	CCONJ
fsr-3236	51	18	her	her	PRON
fsr-3236	51	19	estimates	estimate	NOUN
fsr-3236	51	20	,	,	PUNCT
fsr-3236	51	21	meaning	mean	VERB
fsr-3236	51	22	that	that	SCONJ
fsr-3236	51	23	there	there	PRON
fsr-3236	51	24	is	be	VERB
fsr-3236	51	25	“	"	PUNCT
fsr-3236	51	26	a	a	DET
fsr-3236	51	27	positive	positive	ADJ
fsr-3236	51	28	difference	difference	NOUN
fsr-3236	51	29	between	between	ADP
fsr-3236	51	30	assessed	assess	VERB
fsr-3236	51	31	confidence	confidence	NOUN
fsr-3236	51	32	and	and	CCONJ
fsr-3236	51	33	observed	observed	ADJ
fsr-3236	51	34	achievement	achievement	NOUN
fsr-3236	51	35	”	"	PUNCT
fsr-3236	51	36	(	(	PUNCT
fsr-3236	51	37	campbell	campbell	PROPN
fsr-3236	51	38	,	,	PUNCT
fsr-3236	51	39	goodie	goodie	NOUN
fsr-3236	51	40	,	,	PUNCT
fsr-3236	51	41	and	and	CCONJ
fsr-3236	51	42	foster	foster	ADJ
fsr-3236	51	43	,	,	PUNCT
fsr-3236	51	44	2004	2004	NUM
fsr-3236	51	45	,	,	PUNCT
fsr-3236	51	46	p.	p.	NOUN
fsr-3236	51	47	299	299	NUM
fsr-3236	51	48	)	)	PUNCT
fsr-3236	51	49	.	.	PUNCT
fsr-3236	52	1	such	such	ADJ
fsr-3236	52	2	overestimation	overestimation	NOUN
fsr-3236	52	3	,	,	PUNCT
fsr-3236	52	4	is	be	AUX
fsr-3236	52	5	more	more	ADV
fsr-3236	52	6	likely	likely	ADJ
fsr-3236	52	7	to	to	PART
fsr-3236	52	8	occur	occur	VERB
fsr-3236	52	9	“	"	PUNCT
fsr-3236	52	10	after	after	ADP
fsr-3236	52	11	unexpectedly	unexpectedly	ADV
fsr-3236	52	12	difficult	difficult	ADJ
fsr-3236	52	13	tasks	task	NOUN
fsr-3236	52	14	”	"	PUNCT
fsr-3236	52	15	(	(	PUNCT
fsr-3236	52	16	healy	healy	PROPN
fsr-3236	52	17	and	and	CCONJ
fsr-3236	52	18	moore	moore	PROPN
fsr-3236	52	19	,	,	PUNCT
fsr-3236	52	20	2007	2007	NUM
fsr-3236	52	21	,	,	PUNCT
fsr-3236	52	22	p.	p.	NOUN
fsr-3236	52	23	4	4	NUM
fsr-3236	52	24	)	)	PUNCT
fsr-3236	52	25	.	.	PUNCT
fsr-3236	53	1	for	for	ADP
fsr-3236	53	2	example	example	NOUN
fsr-3236	53	3	,	,	PUNCT
fsr-3236	53	4	less	less	ADV
fsr-3236	53	5	skilled	skilled	ADJ
fsr-3236	53	6	financial	financial	ADJ
fsr-3236	53	7	planners	planner	NOUN
fsr-3236	53	8	are	be	AUX
fsr-3236	53	9	more	more	ADV
fsr-3236	53	10	confident	confident	ADJ
fsr-3236	53	11	than	than	ADP
fsr-3236	53	12	the	the	DET
fsr-3236	53	13	more	more	ADV
fsr-3236	53	14	skilled	skilled	ADJ
fsr-3236	53	15	(	(	PUNCT
fsr-3236	53	16	cordell	cordell	PROPN
fsr-3236	53	17	,	,	PUNCT
fsr-3236	53	18	smith	smith	PROPN
fsr-3236	53	19	,	,	PUNCT
fsr-3236	53	20	and	and	CCONJ
fsr-3236	53	21	terry	terry	PROPN
fsr-3236	53	22	,	,	PUNCT
fsr-3236	53	23	2011	2011	NUM
fsr-3236	53	24	)	)	PUNCT
fsr-3236	53	25	.	.	PUNCT
fsr-3236	54	1	individuals	individual	NOUN
fsr-3236	54	2	who	who	PRON
fsr-3236	54	3	are	be	AUX
fsr-3236	54	4	overconfident	overconfident	ADJ
fsr-3236	54	5	have	have	VERB
fsr-3236	54	6	narrow	narrow	ADJ
fsr-3236	54	7	confidence	confidence	NOUN
fsr-3236	54	8	intervals	interval	NOUN
fsr-3236	54	9	and	and	CCONJ
fsr-3236	54	10	,	,	PUNCT
fsr-3236	54	11	therefore	therefore	ADV
fsr-3236	54	12	,	,	PUNCT
fsr-3236	54	13	tend	tend	VERB
fsr-3236	54	14	to	to	PART
fsr-3236	54	15	overestimate	overestimate	VERB
fsr-3236	54	16	precision	precision	NOUN
fsr-3236	54	17	and	and	CCONJ
fsr-3236	54	18	underestimate	underestimate	ADJ
fsr-3236	54	19	risk	risk	NOUN
fsr-3236	54	20	(	(	PUNCT
fsr-3236	54	21	goel	goel	PROPN
fsr-3236	54	22	and	and	CCONJ
fsr-3236	54	23	thakor	thakor	PROPN
fsr-3236	54	24	,	,	PUNCT
fsr-3236	54	25	2008	2008	NUM
fsr-3236	54	26	)	)	PUNCT
fsr-3236	54	27	.	.	PUNCT
fsr-3236	55	1	often	often	ADV
fsr-3236	55	2	,	,	PUNCT
fsr-3236	55	3	those	those	PRON
fsr-3236	55	4	who	who	PRON
fsr-3236	55	5	take	take	VERB
fsr-3236	55	6	more	more	ADJ
fsr-3236	55	7	risk	risk	NOUN
fsr-3236	55	8	are	be	AUX
fsr-3236	55	9	not	not	PART
fsr-3236	55	10	necessarily	necessarily	ADV
fsr-3236	55	11	risk	risk	NOUN
fsr-3236	55	12	-	-	PUNCT
fsr-3236	55	13	seeking	seeking	NOUN
fsr-3236	55	14	,	,	PUNCT
fsr-3236	55	15	but	but	CCONJ
fsr-3236	55	16	are	be	AUX
fsr-3236	55	17	less	less	ADV
fsr-3236	55	18	aware	aware	ADJ
fsr-3236	55	19	103c.t	103c.t	NOUN
fsr-3236	55	20	.	.	PUNCT
fsr-3236	56	1	asaad	asaad	PROPN
fsr-3236	56	2	/	/	SYM
fsr-3236	56	3	financial	financial	ADJ
fsr-3236	56	4	services	service	NOUN
fsr-3236	56	5	review	review	VERB
fsr-3236	56	6	24	24	NUM
fsr-3236	56	7	(	(	PUNCT
fsr-3236	56	8	2015	2015	NUM
fsr-3236	56	9	)	)	PUNCT
fsr-3236	56	10	101–117	101–117	NUM
fsr-3236	56	11	of	of	ADP
fsr-3236	56	12	the	the	DET
fsr-3236	56	13	risk	risk	NOUN
fsr-3236	56	14	(	(	PUNCT
fsr-3236	56	15	simon	simon	PROPN
fsr-3236	56	16	,	,	PUNCT
fsr-3236	56	17	houghton	houghton	PROPN
fsr-3236	56	18	,	,	PUNCT
fsr-3236	56	19	and	and	CCONJ
fsr-3236	56	20	aquino	aquino	NOUN
fsr-3236	56	21	,	,	PUNCT
fsr-3236	56	22	2000	2000	NUM
fsr-3236	56	23	)	)	PUNCT
fsr-3236	56	24	.	.	PUNCT
fsr-3236	57	1	even	even	ADV
fsr-3236	57	2	when	when	SCONJ
fsr-3236	57	3	given	give	VERB
fsr-3236	57	4	high	high	ADJ
fsr-3236	57	5	incentives	incentive	NOUN
fsr-3236	57	6	for	for	ADP
fsr-3236	57	7	accuracy	accuracy	NOUN
fsr-3236	57	8	,	,	PUNCT
fsr-3236	57	9	individuals	individual	NOUN
fsr-3236	57	10	still	still	ADV
fsr-3236	57	11	exhibit	exhibit	VERB
fsr-3236	57	12	overconfidence	overconfidence	NOUN
fsr-3236	57	13	(	(	PUNCT
fsr-3236	57	14	williams	williams	PROPN
fsr-3236	57	15	and	and	CCONJ
fsr-3236	57	16	gilovich	gilovich	PROPN
fsr-3236	57	17	,	,	PUNCT
fsr-3236	57	18	2008	2008	NUM
fsr-3236	57	19	)	)	PUNCT
fsr-3236	57	20	.	.	PUNCT
fsr-3236	58	1	in	in	ADP
fsr-3236	58	2	a	a	DET
fsr-3236	58	3	theoretical	theoretical	ADJ
fsr-3236	58	4	model	model	NOUN
fsr-3236	58	5	,	,	PUNCT
fsr-3236	58	6	goel	goel	PROPN
fsr-3236	58	7	and	and	CCONJ
fsr-3236	58	8	thakor	thakor	PROPN
fsr-3236	58	9	(	(	PUNCT
fsr-3236	58	10	2008	2008	NUM
fsr-3236	58	11	)	)	PUNCT
fsr-3236	58	12	posit	posit	VERB
fsr-3236	58	13	that	that	SCONJ
fsr-3236	58	14	ceo	ceo	NOUN
fsr-3236	58	15	overconfidence	overconfidence	NOUN
fsr-3236	58	16	effects	effect	NOUN
fsr-3236	58	17	firm	firm	ADJ
fsr-3236	58	18	value	value	NOUN
fsr-3236	58	19	nonmonotonically	nonmonotonically	ADV
fsr-3236	58	20	,	,	PUNCT
fsr-3236	58	21	meaning	mean	VERB
fsr-3236	58	22	that	that	SCONJ
fsr-3236	58	23	overconfidence	overconfidence	NOUN
fsr-3236	58	24	is	be	AUX
fsr-3236	58	25	good	good	ADJ
fsr-3236	58	26	up	up	ADP
fsr-3236	58	27	to	to	ADP
fsr-3236	58	28	a	a	DET
fsr-3236	58	29	point	point	NOUN
fsr-3236	58	30	(	(	PUNCT
fsr-3236	58	31	to	to	PART
fsr-3236	58	32	overcome	overcome	VERB
fsr-3236	58	33	initial	initial	ADJ
fsr-3236	58	34	risk	risk	NOUN
fsr-3236	58	35	aversion	aversion	NOUN
fsr-3236	58	36	)	)	PUNCT
fsr-3236	58	37	but	but	CCONJ
fsr-3236	58	38	then	then	ADV
fsr-3236	58	39	is	be	AUX
fsr-3236	58	40	harmful	harmful	ADJ
fsr-3236	58	41	(	(	PUNCT
fsr-3236	58	42	leading	lead	VERB
fsr-3236	58	43	to	to	ADP
fsr-3236	58	44	excessive	excessive	ADJ
fsr-3236	58	45	risk	risk	NOUN
fsr-3236	58	46	-	-	PUNCT
fsr-3236	58	47	taking	taking	NOUN
fsr-3236	58	48	)	)	PUNCT
fsr-3236	58	49	.	.	PUNCT
fsr-3236	59	1	likely	likely	ADV
fsr-3236	59	2	,	,	PUNCT
fsr-3236	59	3	these	these	DET
fsr-3236	59	4	findings	finding	NOUN
fsr-3236	59	5	will	will	AUX
fsr-3236	59	6	hold	hold	VERB
fsr-3236	59	7	for	for	ADP
fsr-3236	59	8	the	the	DET
fsr-3236	59	9	individual	individual	ADJ
fsr-3236	59	10	financial	financial	ADJ
fsr-3236	59	11	decisions	decision	NOUN
fsr-3236	59	12	considered	consider	VERB
fsr-3236	59	13	in	in	ADP
fsr-3236	59	14	this	this	DET
fsr-3236	59	15	analysis	analysis	NOUN
fsr-3236	59	16	:	:	PUNCT
fsr-3236	59	17	that	that	SCONJ
fsr-3236	59	18	overconfidence	overconfidence	NOUN
fsr-3236	59	19	is	be	AUX
fsr-3236	59	20	“	"	PUNCT
fsr-3236	59	21	good	good	ADJ
fsr-3236	59	22	”	"	PUNCT
fsr-3236	59	23	for	for	ADP
fsr-3236	59	24	most	most	ADJ
fsr-3236	59	25	financial	financial	ADJ
fsr-3236	59	26	decisions	decision	NOUN
fsr-3236	59	27	,	,	PUNCT
fsr-3236	59	28	but	but	CCONJ
fsr-3236	59	29	overconfidence	overconfidence	NOUN
fsr-3236	59	30	is	be	AUX
fsr-3236	59	31	harmful	harmful	ADJ
fsr-3236	59	32	for	for	ADP
fsr-3236	59	33	risky	risky	ADJ
fsr-3236	59	34	financial	financial	ADJ
fsr-3236	59	35	decisions	decision	NOUN
fsr-3236	59	36	.	.	PUNCT
fsr-3236	60	1	as	as	SCONJ
fsr-3236	60	2	johnson	johnson	PROPN
fsr-3236	60	3	and	and	CCONJ
fsr-3236	60	4	fowler	fowler	PROPN
fsr-3236	60	5	(	(	PUNCT
fsr-3236	60	6	2011	2011	NUM
fsr-3236	60	7	,	,	PUNCT
fsr-3236	60	8	p.	p.	NOUN
fsr-3236	60	9	320	320	NUM
fsr-3236	60	10	)	)	PUNCT
fsr-3236	60	11	warn	warn	VERB
fsr-3236	60	12	,	,	PUNCT
fsr-3236	60	13	“	"	PUNCT
fsr-3236	60	14	it	it	PRON
fsr-3236	60	15	seems	seem	VERB
fsr-3236	60	16	that	that	SCONJ
fsr-3236	60	17	we	we	PRON
fsr-3236	60	18	are	be	AUX
fsr-3236	60	19	likely	likely	ADJ
fsr-3236	60	20	to	to	PART
fsr-3236	60	21	become	become	VERB
fsr-3236	60	22	overconfident	overconfident	ADJ
fsr-3236	60	23	in	in	ADP
fsr-3236	60	24	precisely	precisely	ADV
fsr-3236	60	25	the	the	DET
fsr-3236	60	26	most	most	ADV
fsr-3236	60	27	dangerous	dangerous	ADJ
fsr-3236	60	28	of	of	ADP
fsr-3236	60	29	situations	situation	NOUN
fsr-3236	60	30	.	.	PUNCT
fsr-3236	60	31	”	"	PUNCT
fsr-3236	61	1	3	3	NUM
fsr-3236	61	2	.	.	X
fsr-3236	61	3	method	method	PROPN
fsr-3236	61	4	3.1	3.1	NUM
fsr-3236	61	5	.	.	PUNCT
fsr-3236	61	6	hypotheses	hypothesis	NOUN
fsr-3236	61	7	and	and	CCONJ
fsr-3236	61	8	research	research	NOUN
fsr-3236	61	9	approach	approach	NOUN
fsr-3236	61	10	hypothesis	hypothesis	NOUN
fsr-3236	61	11	1	1	NUM
fsr-3236	61	12	(	(	PUNCT
fsr-3236	61	13	h1	h1	PROPN
fsr-3236	61	14	):	):	PUNCT
fsr-3236	61	15	financial	financial	ADJ
fsr-3236	61	16	confidence	confidence	NOUN
fsr-3236	61	17	predicts	predict	VERB
fsr-3236	61	18	financial	financial	ADJ
fsr-3236	61	19	behavior	behavior	NOUN
fsr-3236	61	20	.	.	PUNCT
fsr-3236	62	1	because	because	SCONJ
fsr-3236	62	2	cognitive	cognitive	ADJ
fsr-3236	62	3	functioning	functioning	NOUN
fsr-3236	62	4	is	be	AUX
fsr-3236	62	5	a	a	DET
fsr-3236	62	6	critical	critical	ADJ
fsr-3236	62	7	component	component	NOUN
fsr-3236	62	8	of	of	ADP
fsr-3236	62	9	the	the	DET
fsr-3236	62	10	decision	decision	NOUN
fsr-3236	62	11	making	make	VERB
fsr-3236	62	12	process	process	NOUN
fsr-3236	62	13	(	(	PUNCT
fsr-3236	62	14	see	see	VERB
fsr-3236	62	15	section	section	NOUN
fsr-3236	62	16	2.2	2.2	NUM
fsr-3236	62	17	.	.	PUNCT
fsr-3236	62	18	)	)	PUNCT
fsr-3236	62	19	,	,	PUNCT
fsr-3236	62	20	financial	financial	ADJ
fsr-3236	62	21	confidence	confidence	NOUN
fsr-3236	62	22	likely	likely	ADV
fsr-3236	62	23	influences	influence	VERB
fsr-3236	62	24	all	all	DET
fsr-3236	62	25	types	type	NOUN
fsr-3236	62	26	of	of	ADP
fsr-3236	62	27	financial	financial	ADJ
fsr-3236	62	28	decisions	decision	NOUN
fsr-3236	62	29	.	.	PUNCT
fsr-3236	63	1	in	in	ADP
fsr-3236	63	2	fact	fact	NOUN
fsr-3236	63	3	,	,	PUNCT
fsr-3236	63	4	carpena	carpena	PROPN
fsr-3236	63	5	et	et	PROPN
fsr-3236	63	6	al	al	PROPN
fsr-3236	63	7	.	.	PROPN
fsr-3236	63	8	,	,	PUNCT
fsr-3236	63	9	(	(	PUNCT
fsr-3236	63	10	2011	2011	NUM
fsr-3236	63	11	)	)	PUNCT
fsr-3236	63	12	find	find	VERB
fsr-3236	63	13	that	that	SCONJ
fsr-3236	63	14	financial	financial	ADJ
fsr-3236	63	15	education	education	NOUN
fsr-3236	63	16	initiatives	initiative	NOUN
fsr-3236	63	17	do	do	AUX
fsr-3236	63	18	not	not	PART
fsr-3236	63	19	equip	equip	VERB
fsr-3236	63	20	individuals	individual	NOUN
fsr-3236	63	21	with	with	ADP
fsr-3236	63	22	the	the	DET
fsr-3236	63	23	numeracy	numeracy	NOUN
fsr-3236	63	24	knowledge	knowledge	NOUN
fsr-3236	63	25	needed	need	VERB
fsr-3236	63	26	to	to	PART
fsr-3236	63	27	make	make	VERB
fsr-3236	63	28	complex	complex	ADJ
fsr-3236	63	29	financial	financial	ADJ
fsr-3236	63	30	decisions	decision	NOUN
fsr-3236	63	31	;	;	PUNCT
fsr-3236	63	32	however	however	ADV
fsr-3236	63	33	,	,	PUNCT
fsr-3236	63	34	the	the	DET
fsr-3236	63	35	initiatives	initiative	NOUN
fsr-3236	63	36	greatly	greatly	ADV
fsr-3236	63	37	affect	affect	VERB
fsr-3236	63	38	awareness	awareness	NOUN
fsr-3236	63	39	and	and	CCONJ
fsr-3236	63	40	familiarity	familiarity	NOUN
fsr-3236	63	41	with	with	ADP
fsr-3236	63	42	financial	financial	ADJ
fsr-3236	63	43	services	service	NOUN
fsr-3236	63	44	and	and	CCONJ
fsr-3236	63	45	products	product	NOUN
fsr-3236	63	46	.	.	PUNCT
fsr-3236	64	1	thus	thus	ADV
fsr-3236	64	2	,	,	PUNCT
fsr-3236	64	3	confidence	confidence	NOUN
fsr-3236	64	4	is	be	AUX
fsr-3236	64	5	likely	likely	ADJ
fsr-3236	64	6	an	an	DET
fsr-3236	64	7	important	important	ADJ
fsr-3236	64	8	component	component	NOUN
fsr-3236	64	9	of	of	ADP
fsr-3236	64	10	financial	financial	ADJ
fsr-3236	64	11	decision	decision	NOUN
fsr-3236	64	12	making	making	NOUN
fsr-3236	64	13	.	.	PUNCT
fsr-3236	65	1	logistic	logistic	ADJ
fsr-3236	65	2	regressions	regression	NOUN
fsr-3236	65	3	explore	explore	VERB
fsr-3236	65	4	whether	whether	SCONJ
fsr-3236	65	5	financial	financial	ADJ
fsr-3236	65	6	confidence	confidence	NOUN
fsr-3236	65	7	affects	affect	VERB
fsr-3236	65	8	financial	financial	ADJ
fsr-3236	65	9	behaviors	behavior	NOUN
fsr-3236	65	10	above	above	ADP
fsr-3236	65	11	and	and	CCONJ
fsr-3236	65	12	beyond	beyond	ADP
fsr-3236	65	13	the	the	DET
fsr-3236	65	14	influence	influence	NOUN
fsr-3236	65	15	of	of	ADP
fsr-3236	65	16	actual	actual	ADJ
fsr-3236	65	17	(	(	PUNCT
fsr-3236	65	18	measured	measured	ADJ
fsr-3236	65	19	)	)	PUNCT
fsr-3236	65	20	financial	financial	ADJ
fsr-3236	65	21	knowledge	knowledge	NOUN
fsr-3236	65	22	.	.	PUNCT
fsr-3236	66	1	hypothesis	hypothesis	NOUN
fsr-3236	66	2	2	2	NUM
fsr-3236	66	3	(	(	PUNCT
fsr-3236	66	4	h2	h2	NOUN
fsr-3236	66	5	):	):	PUNCT
fsr-3236	66	6	overconfident	overconfident	ADJ
fsr-3236	66	7	individuals	individual	NOUN
fsr-3236	66	8	(	(	PUNCT
fsr-3236	66	9	high	high	ADJ
fsr-3236	66	10	confidence	confidence	NOUN
fsr-3236	66	11	,	,	PUNCT
fsr-3236	66	12	low	low	ADJ
fsr-3236	66	13	knowledge	knowledge	NOUN
fsr-3236	66	14	)	)	PUNCT
fsr-3236	66	15	are	be	AUX
fsr-3236	66	16	most	most	ADV
fsr-3236	66	17	likely	likely	ADJ
fsr-3236	66	18	to	to	PART
fsr-3236	66	19	engage	engage	VERB
fsr-3236	66	20	in	in	ADP
fsr-3236	66	21	risky	risky	ADJ
fsr-3236	66	22	financial	financial	ADJ
fsr-3236	66	23	behaviors	behavior	NOUN
fsr-3236	66	24	.	.	PUNCT
fsr-3236	67	1	overconfidence	overconfidence	NOUN
fsr-3236	67	2	,	,	PUNCT
fsr-3236	67	3	or	or	CCONJ
fsr-3236	67	4	“	"	PUNCT
fsr-3236	67	5	that	that	SCONJ
fsr-3236	67	6	upward	upward	ADJ
fsr-3236	67	7	gap	gap	NOUN
fsr-3236	67	8	between	between	ADP
fsr-3236	67	9	what	what	PRON
fsr-3236	67	10	we	we	PRON
fsr-3236	67	11	know	know	VERB
fsr-3236	67	12	and	and	CCONJ
fsr-3236	67	13	what	what	PRON
fsr-3236	67	14	we	we	PRON
fsr-3236	67	15	think	think	VERB
fsr-3236	67	16	we	we	PRON
fsr-3236	67	17	know	know	VERB
fsr-3236	67	18	”	"	PUNCT
fsr-3236	67	19	(	(	PUNCT
fsr-3236	67	20	cordell	cordell	PROPN
fsr-3236	67	21	,	,	PUNCT
fsr-3236	67	22	smith	smith	PROPN
fsr-3236	67	23	,	,	PUNCT
fsr-3236	67	24	and	and	CCONJ
fsr-3236	67	25	terry	terry	PROPN
fsr-3236	67	26	,	,	PUNCT
fsr-3236	67	27	2011	2011	NUM
fsr-3236	67	28	,	,	PUNCT
fsr-3236	67	29	p.	p.	NOUN
fsr-3236	67	30	255	255	NUM
fsr-3236	67	31	)	)	PUNCT
fsr-3236	67	32	,	,	PUNCT
fsr-3236	67	33	results	result	VERB
fsr-3236	67	34	in	in	ADP
fsr-3236	67	35	an	an	DET
fsr-3236	67	36	overestimation	overestimation	NOUN
fsr-3236	67	37	of	of	ADP
fsr-3236	67	38	accuracy	accuracy	NOUN
fsr-3236	67	39	and	and	CCONJ
fsr-3236	67	40	underestimation	underestimation	NOUN
fsr-3236	67	41	of	of	ADP
fsr-3236	67	42	risk	risk	NOUN
fsr-3236	67	43	(	(	PUNCT
fsr-3236	67	44	see	see	VERB
fsr-3236	67	45	section	section	NOUN
fsr-3236	67	46	2.2.1	2.2.1	NUM
fsr-3236	67	47	.	.	PUNCT
fsr-3236	67	48	)	)	PUNCT
fsr-3236	67	49	.	.	PUNCT
fsr-3236	68	1	based	base	VERB
fsr-3236	68	2	on	on	ADP
fsr-3236	68	3	goel	goel	PROPN
fsr-3236	68	4	and	and	CCONJ
fsr-3236	68	5	thakor	thakor	PROPN
fsr-3236	68	6	’s	’s	PART
fsr-3236	68	7	(	(	PUNCT
fsr-3236	68	8	2008	2008	NUM
fsr-3236	68	9	)	)	PUNCT
fsr-3236	68	10	theoretical	theoretical	ADJ
fsr-3236	68	11	model	model	NOUN
fsr-3236	68	12	,	,	PUNCT
fsr-3236	68	13	overconfidence	overconfidence	NOUN
fsr-3236	68	14	may	may	AUX
fsr-3236	68	15	be	be	AUX
fsr-3236	68	16	beneficial	beneficial	ADJ
fsr-3236	68	17	to	to	PART
fsr-3236	68	18	overcome	overcome	VERB
fsr-3236	68	19	initial	initial	ADJ
fsr-3236	68	20	risk	risk	NOUN
fsr-3236	68	21	aversion	aversion	NOUN
fsr-3236	68	22	,	,	PUNCT
fsr-3236	68	23	but	but	CCONJ
fsr-3236	68	24	also	also	ADV
fsr-3236	68	25	leads	lead	VERB
fsr-3236	68	26	to	to	ADP
fsr-3236	68	27	excessive	excessive	ADJ
fsr-3236	68	28	risk	risk	NOUN
fsr-3236	68	29	-	-	PUNCT
fsr-3236	68	30	taking	taking	NOUN
fsr-3236	68	31	.	.	PUNCT
fsr-3236	69	1	those	those	DET
fsr-3236	69	2	individuals	individual	NOUN
fsr-3236	69	3	who	who	PRON
fsr-3236	69	4	self	self	NOUN
fsr-3236	69	5	-	-	PUNCT
fsr-3236	69	6	assess	assess	VERB
fsr-3236	69	7	their	their	PRON
fsr-3236	69	8	financial	financial	ADJ
fsr-3236	69	9	knowledge	knowledge	NOUN
fsr-3236	69	10	as	as	ADP
fsr-3236	69	11	higher	high	ADJ
fsr-3236	69	12	than	than	ADP
fsr-3236	69	13	their	their	PRON
fsr-3236	69	14	actual	actual	ADJ
fsr-3236	69	15	knowledge	knowledge	NOUN
fsr-3236	69	16	may	may	AUX
fsr-3236	69	17	improperly	improperly	ADV
fsr-3236	69	18	assess	assess	VERB
fsr-3236	69	19	risk	risk	NOUN
fsr-3236	69	20	levels	level	NOUN
fsr-3236	69	21	,	,	PUNCT
fsr-3236	69	22	resulting	result	VERB
fsr-3236	69	23	in	in	ADP
fsr-3236	69	24	risky	risky	ADJ
fsr-3236	69	25	financial	financial	ADJ
fsr-3236	69	26	behaviors	behavior	NOUN
fsr-3236	69	27	.	.	PUNCT
fsr-3236	70	1	it	it	PRON
fsr-3236	70	2	is	be	AUX
fsr-3236	70	3	hypothesized	hypothesize	VERB
fsr-3236	70	4	,	,	PUNCT
fsr-3236	70	5	then	then	ADV
fsr-3236	70	6	,	,	PUNCT
fsr-3236	70	7	that	that	SCONJ
fsr-3236	70	8	in	in	ADP
fsr-3236	70	9	most	most	ADJ
fsr-3236	70	10	circumstances	circumstance	NOUN
fsr-3236	70	11	higher	high	ADJ
fsr-3236	70	12	levels	level	NOUN
fsr-3236	70	13	of	of	ADP
fsr-3236	70	14	confidence	confidence	NOUN
fsr-3236	70	15	leads	lead	VERB
fsr-3236	70	16	to	to	ADP
fsr-3236	70	17	“	"	PUNCT
fsr-3236	70	18	better	well	ADJ
fsr-3236	70	19	”	"	PUNCT
fsr-3236	70	20	financial	financial	ADJ
fsr-3236	70	21	behaviors	behavior	NOUN
fsr-3236	70	22	.	.	PUNCT
fsr-3236	71	1	however	however	ADV
fsr-3236	71	2	,	,	PUNCT
fsr-3236	71	3	too	too	ADV
fsr-3236	71	4	much	much	ADJ
fsr-3236	71	5	confidence	confidence	NOUN
fsr-3236	71	6	may	may	AUX
fsr-3236	71	7	be	be	AUX
fsr-3236	71	8	harmful	harmful	ADJ
fsr-3236	71	9	in	in	ADP
fsr-3236	71	10	riskier	risky	ADJ
fsr-3236	71	11	circumstances	circumstance	NOUN
fsr-3236	71	12	because	because	SCONJ
fsr-3236	71	13	the	the	DET
fsr-3236	71	14	risk	risk	NOUN
fsr-3236	71	15	level	level	NOUN
fsr-3236	71	16	is	be	AUX
fsr-3236	71	17	not	not	PART
fsr-3236	71	18	properly	properly	ADV
fsr-3236	71	19	assessed	assess	VERB
fsr-3236	71	20	.	.	PUNCT
fsr-3236	72	1	logistic	logistic	ADJ
fsr-3236	72	2	regressions	regression	NOUN
fsr-3236	72	3	explore	explore	VERB
fsr-3236	72	4	whether	whether	SCONJ
fsr-3236	72	5	overconfidence	overconfidence	NOUN
fsr-3236	72	6	leads	lead	VERB
fsr-3236	72	7	to	to	ADP
fsr-3236	72	8	an	an	DET
fsr-3236	72	9	increased	increase	VERB
fsr-3236	72	10	propensity	propensity	NOUN
fsr-3236	72	11	to	to	PART
fsr-3236	72	12	engage	engage	VERB
fsr-3236	72	13	in	in	ADP
fsr-3236	72	14	risky	risky	ADJ
fsr-3236	72	15	(	(	PUNCT
fsr-3236	72	16	or	or	CCONJ
fsr-3236	72	17	costly	costly	ADJ
fsr-3236	72	18	)	)	PUNCT
fsr-3236	72	19	financial	financial	ADJ
fsr-3236	72	20	behaviors	behavior	NOUN
fsr-3236	72	21	.	.	PUNCT
fsr-3236	73	1	3.2	3.2	NUM
fsr-3236	73	2	.	.	PUNCT
fsr-3236	74	1	data	datum	NOUN
fsr-3236	74	2	data	datum	NOUN
fsr-3236	74	3	are	be	AUX
fsr-3236	74	4	obtained	obtain	VERB
fsr-3236	74	5	from	from	ADP
fsr-3236	74	6	the	the	DET
fsr-3236	74	7	2012	2012	NUM
fsr-3236	74	8	national	national	ADJ
fsr-3236	74	9	financial	financial	ADJ
fsr-3236	74	10	capability	capability	NOUN
fsr-3236	74	11	study	study	NOUN
fsr-3236	74	12	(	(	PUNCT
fsr-3236	74	13	nfcs	nfc	NOUN
fsr-3236	74	14	)	)	PUNCT
fsr-3236	74	15	commissioned	commission	VERB
fsr-3236	74	16	by	by	ADP
fsr-3236	74	17	the	the	DET
fsr-3236	74	18	financial	financial	ADJ
fsr-3236	74	19	regulatory	regulatory	ADJ
fsr-3236	74	20	authority	authority	NOUN
fsr-3236	74	21	’s	’s	PART
fsr-3236	74	22	(	(	PUNCT
fsr-3236	74	23	finra	finra	NOUN
fsr-3236	74	24	)	)	PUNCT
fsr-3236	74	25	investor	investor	NOUN
fsr-3236	74	26	education	education	NOUN
fsr-3236	74	27	foundation	foundation	PROPN
fsr-3236	74	28	.	.	PUNCT
fsr-3236	75	1	the	the	DET
fsr-3236	75	2	study	study	NOUN
fsr-3236	75	3	,	,	PUNCT
fsr-3236	75	4	with	with	ADP
fsr-3236	75	5	support	support	NOUN
fsr-3236	75	6	from	from	ADP
fsr-3236	75	7	the	the	DET
fsr-3236	75	8	u.s	u.s	PROPN
fsr-3236	75	9	.	.	PROPN
fsr-3236	75	10	department	department	PROPN
fsr-3236	75	11	of	of	ADP
fsr-3236	75	12	the	the	DET
fsr-3236	75	13	treasury	treasury	PROPN
fsr-3236	75	14	and	and	CCONJ
fsr-3236	75	15	the	the	DET
fsr-3236	75	16	president	president	NOUN
fsr-3236	75	17	’s	’s	PART
fsr-3236	75	18	104	104	NUM
fsr-3236	75	19	c.t	c.t	PROPN
fsr-3236	75	20	.	.	PROPN
fsr-3236	75	21	asaad	asaad	PROPN
fsr-3236	75	22	/	/	SYM
fsr-3236	75	23	financial	financial	ADJ
fsr-3236	75	24	services	service	NOUN
fsr-3236	75	25	review	review	VERB
fsr-3236	75	26	24	24	NUM
fsr-3236	75	27	(	(	PUNCT
fsr-3236	75	28	2015	2015	NUM
fsr-3236	75	29	)	)	PUNCT
fsr-3236	75	30	101–117	101–117	NUM
fsr-3236	75	31	advisory	advisory	ADJ
fsr-3236	75	32	council	council	NOUN
fsr-3236	75	33	on	on	ADP
fsr-3236	75	34	financial	financial	ADJ
fsr-3236	75	35	literacy	literacy	NOUN
fsr-3236	75	36	,	,	PUNCT
fsr-3236	75	37	aims	aim	VERB
fsr-3236	75	38	to	to	PART
fsr-3236	75	39	measure	measure	VERB
fsr-3236	75	40	american	american	PROPN
fsr-3236	75	41	’s	’s	PART
fsr-3236	75	42	money	money	NOUN
fsr-3236	75	43	skills	skill	NOUN
fsr-3236	75	44	.	.	PUNCT
fsr-3236	76	1	the	the	DET
fsr-3236	76	2	state	state	NOUN
fsr-3236	76	3	-	-	PUNCT
fsr-3236	76	4	by	by	ADP
fsr-3236	76	5	-	-	PUNCT
fsr-3236	76	6	state	state	NOUN
fsr-3236	76	7	survey	survey	NOUN
fsr-3236	76	8	collected	collect	VERB
fsr-3236	76	9	data	datum	NOUN
fsr-3236	76	10	from	from	ADP
fsr-3236	76	11	25,509	25,509	NUM
fsr-3236	76	12	respondents	respondent	NOUN
fsr-3236	76	13	via	via	ADP
fsr-3236	76	14	an	an	DET
fsr-3236	76	15	online	online	ADJ
fsr-3236	76	16	survey	survey	NOUN
fsr-3236	76	17	.	.	PUNCT
fsr-3236	77	1	all	all	DET
fsr-3236	77	2	analyses	analysis	NOUN
fsr-3236	77	3	are	be	AUX
fsr-3236	77	4	weighted	weight	VERB
fsr-3236	77	5	based	base	VERB
fsr-3236	77	6	on	on	ADP
fsr-3236	77	7	national	national	ADJ
fsr-3236	77	8	distributions	distribution	NOUN
fsr-3236	77	9	within	within	ADP
fsr-3236	77	10	age	age	NOUN
fsr-3236	77	11	/	/	SYM
fsr-3236	77	12	gender	gender	NOUN
fsr-3236	77	13	,	,	PUNCT
fsr-3236	77	14	ethnicity	ethnicity	NOUN
fsr-3236	77	15	,	,	PUNCT
fsr-3236	77	16	education	education	NOUN
fsr-3236	77	17	,	,	PUNCT
fsr-3236	77	18	and	and	CCONJ
fsr-3236	77	19	census	census	NOUN
fsr-3236	77	20	division	division	NOUN
fsr-3236	77	21	.	.	PUNCT
fsr-3236	78	1	table	table	NOUN
fsr-3236	78	2	1	1	NUM
fsr-3236	78	3	provides	provide	VERB
fsr-3236	78	4	descriptive	descriptive	ADJ
fsr-3236	78	5	statistics	statistic	NOUN
fsr-3236	78	6	for	for	ADP
fsr-3236	78	7	the	the	DET
fsr-3236	78	8	survey	survey	NOUN
fsr-3236	78	9	sample	sample	NOUN
fsr-3236	78	10	.	.	PUNCT
fsr-3236	79	1	the	the	DET
fsr-3236	79	2	sample	sample	NOUN
fsr-3236	79	3	is	be	AUX
fsr-3236	79	4	�	�	PROPN
fsr-3236	79	5	51	51	NUM
fsr-3236	79	6	%	%	NOUN
fsr-3236	79	7	female	female	NOUN
fsr-3236	79	8	,	,	PUNCT
fsr-3236	79	9	67	67	NUM
fsr-3236	79	10	%	%	NOUN
fsr-3236	79	11	white	white	ADJ
fsr-3236	79	12	,	,	PUNCT
fsr-3236	79	13	53	53	NUM
fsr-3236	79	14	%	%	NOUN
fsr-3236	79	15	married	married	ADJ
fsr-3236	79	16	,	,	PUNCT
fsr-3236	79	17	and	and	CCONJ
fsr-3236	79	18	over	over	ADP
fsr-3236	79	19	62	62	NUM
fsr-3236	79	20	%	%	NOUN
fsr-3236	79	21	has	have	VERB
fsr-3236	79	22	an	an	DET
fsr-3236	79	23	education	education	NOUN
fsr-3236	79	24	beyond	beyond	ADP
fsr-3236	79	25	high	high	ADJ
fsr-3236	79	26	school	school	NOUN
fsr-3236	79	27	.	.	PUNCT
fsr-3236	80	1	3.3	3.3	NUM
fsr-3236	80	2	.	.	PUNCT
fsr-3236	81	1	measuring	measure	VERB
fsr-3236	81	2	financial	financial	ADJ
fsr-3236	81	3	literacy	literacy	NOUN
fsr-3236	81	4	3.3.1	3.3.1	NUM
fsr-3236	81	5	.	.	PUNCT
fsr-3236	81	6	financial	financial	ADJ
fsr-3236	81	7	knowledge	knowledge	NOUN
fsr-3236	81	8	five	five	NUM
fsr-3236	81	9	survey	survey	NOUN
fsr-3236	81	10	questions	question	NOUN
fsr-3236	81	11	are	be	AUX
fsr-3236	81	12	used	use	VERB
fsr-3236	81	13	to	to	PART
fsr-3236	81	14	measure	measure	VERB
fsr-3236	81	15	basic	basic	ADJ
fsr-3236	81	16	financial	financial	ADJ
fsr-3236	81	17	knowledge	knowledge	NOUN
fsr-3236	81	18	.	.	PUNCT
fsr-3236	82	1	table	table	NOUN
fsr-3236	82	2	2	2	NUM
fsr-3236	82	3	documents	document	NOUN
fsr-3236	82	4	the	the	DET
fsr-3236	82	5	five	five	NUM
fsr-3236	82	6	questions	question	NOUN
fsr-3236	82	7	and	and	CCONJ
fsr-3236	82	8	the	the	DET
fsr-3236	82	9	survey	survey	NOUN
fsr-3236	82	10	results	result	VERB
fsr-3236	82	11	.	.	PUNCT
fsr-3236	83	1	the	the	DET
fsr-3236	83	2	dummy	dummy	ADJ
fsr-3236	83	3	variables	variable	NOUN
fsr-3236	83	4	interest	interest	NOUN
fsr-3236	83	5	,	,	PUNCT
fsr-3236	83	6	inflation	inflation	NOUN
fsr-3236	83	7	,	,	PUNCT
fsr-3236	83	8	bond	bond	NOUN
fsr-3236	83	9	,	,	PUNCT
fsr-3236	83	10	mortgage	mortgage	NOUN
fsr-3236	83	11	,	,	PUNCT
fsr-3236	83	12	and	and	CCONJ
fsr-3236	83	13	risk	risk	NOUN
fsr-3236	83	14	are	be	AUX
fsr-3236	83	15	created	create	VERB
fsr-3236	83	16	whereby	whereby	SCONJ
fsr-3236	83	17	a	a	DET
fsr-3236	83	18	1	1	NUM
fsr-3236	83	19	represents	represent	VERB
fsr-3236	83	20	a	a	DET
fsr-3236	83	21	correct	correct	ADJ
fsr-3236	83	22	response	response	NOUN
fsr-3236	83	23	and	and	CCONJ
fsr-3236	83	24	a	a	DET
fsr-3236	83	25	0	0	NUM
fsr-3236	83	26	represents	represent	VERB
fsr-3236	83	27	an	an	DET
fsr-3236	83	28	incorrect	incorrect	ADJ
fsr-3236	83	29	response	response	NOUN
fsr-3236	83	30	,	,	PUNCT
fsr-3236	83	31	a	a	DET
fsr-3236	83	32	“	"	PUNCT
fsr-3236	83	33	do	do	AUX
fsr-3236	83	34	n’t	not	PART
fsr-3236	83	35	know	know	VERB
fsr-3236	83	36	,	,	PUNCT
fsr-3236	83	37	”	"	PUNCT
fsr-3236	83	38	or	or	CCONJ
fsr-3236	83	39	a	a	DET
fsr-3236	83	40	refusal	refusal	NOUN
fsr-3236	83	41	to	to	ADP
fsr-3236	83	42	answer.1	answer.1	NOUN
fsr-3236	83	43	approximately	approximately	ADV
fsr-3236	83	44	14	14	NUM
fsr-3236	83	45	%	%	NOUN
fsr-3236	83	46	of	of	ADP
fsr-3236	83	47	the	the	DET
fsr-3236	83	48	respondents	respondent	NOUN
fsr-3236	83	49	answered	answer	VERB
fsr-3236	83	50	all	all	DET
fsr-3236	83	51	five	five	NUM
fsr-3236	83	52	financial	financial	ADJ
fsr-3236	83	53	literacy	literacy	NOUN
fsr-3236	83	54	questions	question	NOUN
fsr-3236	83	55	correctly	correctly	ADV
fsr-3236	83	56	.	.	PUNCT
fsr-3236	84	1	consistent	consistent	ADJ
fsr-3236	84	2	with	with	ADP
fsr-3236	84	3	previous	previous	ADJ
fsr-3236	84	4	findings	finding	NOUN
fsr-3236	84	5	the	the	DET
fsr-3236	84	6	results	result	NOUN
fsr-3236	84	7	point	point	VERB
fsr-3236	84	8	to	to	ADP
fsr-3236	84	9	differences	difference	NOUN
fsr-3236	84	10	in	in	ADP
fsr-3236	84	11	knowledge	knowledge	NOUN
fsr-3236	84	12	across	across	ADP
fsr-3236	84	13	gender	gender	NOUN
fsr-3236	84	14	and	and	CCONJ
fsr-3236	84	15	race	race	NOUN
fsr-3236	84	16	(	(	PUNCT
fsr-3236	84	17	fisher	fisher	NOUN
fsr-3236	84	18	,	,	PUNCT
fsr-3236	84	19	2010	2010	NUM
fsr-3236	84	20	;	;	PUNCT
fsr-3236	85	1	lusardi	lusardi	PROPN
fsr-3236	85	2	,	,	PUNCT
fsr-3236	85	3	2008	2008	NUM
fsr-3236	85	4	;	;	PUNCT
fsr-3236	85	5	mandell	mandell	PROPN
fsr-3236	85	6	,	,	PUNCT
fsr-3236	85	7	2006).2	2006).2	NUM
fsr-3236	85	8	these	these	DET
fsr-3236	85	9	gender	gender	NOUN
fsr-3236	85	10	differtable	differtable	ADJ
fsr-3236	85	11	1	1	NUM
fsr-3236	85	12	characteristics	characteristic	NOUN
fsr-3236	85	13	of	of	ADP
fsr-3236	85	14	the	the	DET
fsr-3236	85	15	sample	sample	NOUN
fsr-3236	85	16	n	n	PRON
fsr-3236	85	17	%	%	NOUN
fsr-3236	85	18	total	total	ADJ
fsr-3236	85	19	sample	sample	NOUN
fsr-3236	85	20	25,509	25,509	NUM
fsr-3236	85	21	100.0	100.0	NUM
fsr-3236	85	22	gender	gender	NOUN
fsr-3236	85	23	/	/	SYM
fsr-3236	85	24	sex	sex	NOUN
fsr-3236	85	25	male	male	NOUN
fsr-3236	85	26	12,392	12,392	NUM
fsr-3236	85	27	48.6	48.6	NUM
fsr-3236	85	28	female	female	NOUN
fsr-3236	85	29	13,117	13,117	NUM
fsr-3236	85	30	51.4	51.4	NUM
fsr-3236	85	31	age	age	NOUN
fsr-3236	85	32	18–24	18–24	NUM
fsr-3236	85	33	3,139	3,139	NUM
fsr-3236	85	34	12.3	12.3	NUM
fsr-3236	85	35	25–34	25–34	NUM
fsr-3236	85	36	4,669	4,669	NUM
fsr-3236	85	37	18.3	18.3	NUM
fsr-3236	85	38	35–44	35–44	NUM
fsr-3236	85	39	4,171	4,171	NUM
fsr-3236	85	40	16.3	16.3	NUM
fsr-3236	85	41	45–54	45–54	NUM
fsr-3236	85	42	5,005	5,005	NUM
fsr-3236	85	43	19.6	19.6	NUM
fsr-3236	85	44	55–64	55–64	NUM
fsr-3236	85	45	4,569	4,569	NUM
fsr-3236	85	46	17.9	17.9	NUM
fsr-3236	85	47	65	65	NUM
fsr-3236	85	48	�	�	PROPN
fsr-3236	85	49	3,956	3,956	NUM
fsr-3236	85	50	15.5	15.5	NUM
fsr-3236	85	51	ethnicity	ethnicity	NOUN
fsr-3236	85	52	/	/	SYM
fsr-3236	85	53	race	race	NOUN
fsr-3236	85	54	white	white	ADJ
fsr-3236	85	55	16,956	16,956	NUM
fsr-3236	85	56	66.5	66.5	NUM
fsr-3236	85	57	non	non	ADJ
fsr-3236	85	58	-	-	ADJ
fsr-3236	85	59	white	white	ADJ
fsr-3236	85	60	8,553	8,553	NUM
fsr-3236	85	61	33.5	33.5	NUM
fsr-3236	85	62	marital	marital	ADJ
fsr-3236	85	63	status	status	NOUN
fsr-3236	85	64	married	marry	VERB
fsr-3236	85	65	13,782	13,782	NUM
fsr-3236	85	66	53.4	53.4	NUM
fsr-3236	85	67	single	single	ADJ
fsr-3236	85	68	7,469	7,469	NUM
fsr-3236	85	69	28.2	28.2	NUM
fsr-3236	85	70	separated	separate	VERB
fsr-3236	85	71	or	or	CCONJ
fsr-3236	85	72	divorced	divorce	VERB
fsr-3236	85	73	10,899	10,899	NUM
fsr-3236	85	74	14.0	14.0	NUM
fsr-3236	85	75	widowed	widow	VERB
fsr-3236	85	76	985	985	NUM
fsr-3236	85	77	4.4	4.4	NUM
fsr-3236	85	78	education	education	NOUN
fsr-3236	85	79	not	not	PART
fsr-3236	85	80	complete	complete	VERB
fsr-3236	85	81	high	high	ADJ
fsr-3236	85	82	school	school	NOUN
fsr-3236	85	83	2,210	2,210	NUM
fsr-3236	85	84	8.7	8.7	NUM
fsr-3236	85	85	high	high	ADJ
fsr-3236	85	86	school	school	NOUN
fsr-3236	85	87	graduate	graduate	NOUN
fsr-3236	85	88	5,695	5,695	NUM
fsr-3236	85	89	22.3	22.3	NUM
fsr-3236	85	90	ged	ge	VERB
fsr-3236	85	91	1,818	1,818	NUM
fsr-3236	85	92	7.1	7.1	NUM
fsr-3236	85	93	some	some	DET
fsr-3236	85	94	college	college	NOUN
fsr-3236	85	95	9,160	9,160	NUM
fsr-3236	85	96	35.9	35.9	NUM
fsr-3236	85	97	college	college	NOUN
fsr-3236	85	98	graduate	graduate	NOUN
fsr-3236	85	99	4,105	4,105	NUM
fsr-3236	85	100	16.1	16.1	NUM
fsr-3236	85	101	post	post	ADJ
fsr-3236	85	102	-	-	ADJ
fsr-3236	85	103	graduate	graduate	ADJ
fsr-3236	85	104	education	education	NOUN
fsr-3236	85	105	2,519	2,519	NUM
fsr-3236	85	106	9.9	9.9	NUM
fsr-3236	85	107	data	datum	NOUN
fsr-3236	85	108	was	be	AUX
fsr-3236	85	109	obtained	obtain	VERB
fsr-3236	85	110	from	from	ADP
fsr-3236	85	111	2012	2012	NUM
fsr-3236	85	112	finras	finra	NOUN
fsr-3236	85	113	national	national	ADJ
fsr-3236	85	114	financial	financial	ADJ
fsr-3236	85	115	capability	capability	NOUN
fsr-3236	85	116	study	study	NOUN
fsr-3236	85	117	and	and	CCONJ
fsr-3236	85	118	is	be	AUX
fsr-3236	85	119	weighted	weight	VERB
fsr-3236	85	120	based	base	VERB
fsr-3236	85	121	on	on	ADP
fsr-3236	85	122	national	national	ADJ
fsr-3236	85	123	distributions	distribution	NOUN
fsr-3236	85	124	within	within	ADP
fsr-3236	85	125	age	age	NOUN
fsr-3236	85	126	/	/	SYM
fsr-3236	85	127	gender	gender	NOUN
fsr-3236	85	128	,	,	PUNCT
fsr-3236	85	129	ethnicity	ethnicity	NOUN
fsr-3236	85	130	,	,	PUNCT
fsr-3236	85	131	education	education	NOUN
fsr-3236	85	132	,	,	PUNCT
fsr-3236	85	133	and	and	CCONJ
fsr-3236	85	134	census	census	NOUN
fsr-3236	85	135	division	division	NOUN
fsr-3236	85	136	.	.	PUNCT
fsr-3236	86	1	105c.t	105c.t	NUM
fsr-3236	86	2	.	.	PUNCT
fsr-3236	86	3	asaad	asaad	PROPN
fsr-3236	86	4	/	/	SYM
fsr-3236	86	5	financial	financial	ADJ
fsr-3236	86	6	services	service	NOUN
fsr-3236	86	7	review	review	VERB
fsr-3236	86	8	24	24	NUM
fsr-3236	86	9	(	(	PUNCT
fsr-3236	86	10	2015	2015	NUM
fsr-3236	86	11	)	)	PUNCT
fsr-3236	86	12	101–117	101–117	NUM
fsr-3236	86	13	ences	ence	NOUN
fsr-3236	86	14	hold	hold	VERB
fsr-3236	86	15	across	across	ADP
fsr-3236	86	16	age	age	NOUN
fsr-3236	86	17	groups	group	NOUN
fsr-3236	86	18	(	(	PUNCT
fsr-3236	86	19	lusardi	lusardi	PROPN
fsr-3236	86	20	and	and	CCONJ
fsr-3236	86	21	mitchell	mitchell	PROPN
fsr-3236	86	22	,	,	PUNCT
fsr-3236	86	23	2007	2007	NUM
fsr-3236	86	24	;	;	PUNCT
fsr-3236	86	25	lusardi	lusardi	PROPN
fsr-3236	86	26	,	,	PUNCT
fsr-3236	86	27	mitchell	mitchell	PROPN
fsr-3236	86	28	,	,	PUNCT
fsr-3236	86	29	and	and	CCONJ
fsr-3236	86	30	curto	curto	NOUN
fsr-3236	86	31	,	,	PUNCT
fsr-3236	86	32	2010	2010	NUM
fsr-3236	86	33	)	)	PUNCT
fsr-3236	86	34	and	and	CCONJ
fsr-3236	86	35	cross	cross	ADJ
fsr-3236	86	36	-	-	ADJ
fsr-3236	86	37	nationally	nationally	ADV
fsr-3236	86	38	(	(	PUNCT
fsr-3236	86	39	lusardi	lusardi	PROPN
fsr-3236	86	40	and	and	CCONJ
fsr-3236	86	41	mitchell	mitchell	PROPN
fsr-3236	86	42	,	,	PUNCT
fsr-3236	86	43	2011	2011	NUM
fsr-3236	86	44	)	)	PUNCT
fsr-3236	86	45	.	.	PUNCT
fsr-3236	87	1	also	also	ADV
fsr-3236	87	2	consistent	consistent	ADJ
fsr-3236	87	3	with	with	ADP
fsr-3236	87	4	the	the	DET
fsr-3236	87	5	literature	literature	NOUN
fsr-3236	87	6	,	,	PUNCT
fsr-3236	87	7	there	there	PRON
fsr-3236	87	8	is	be	VERB
fsr-3236	87	9	an	an	DET
fsr-3236	87	10	inverted	inverted	ADJ
fsr-3236	87	11	u	u	NOUN
fsr-3236	87	12	-	-	NOUN
fsr-3236	87	13	shape	shape	NOUN
fsr-3236	87	14	relation	relation	NOUN
fsr-3236	87	15	between	between	ADP
fsr-3236	87	16	age	age	NOUN
fsr-3236	87	17	and	and	CCONJ
fsr-3236	87	18	financial	financial	ADJ
fsr-3236	87	19	literacy	literacy	NOUN
fsr-3236	87	20	and	and	CCONJ
fsr-3236	87	21	a	a	DET
fsr-3236	87	22	positive	positive	ADJ
fsr-3236	87	23	relation	relation	NOUN
fsr-3236	87	24	between	between	ADP
fsr-3236	87	25	education	education	NOUN
fsr-3236	87	26	levels	level	NOUN
fsr-3236	87	27	and	and	CCONJ
fsr-3236	87	28	literacy	literacy	NOUN
fsr-3236	87	29	levels	level	NOUN
fsr-3236	87	30	(	(	PUNCT
fsr-3236	87	31	lusardi	lusardi	PROPN
fsr-3236	87	32	and	and	CCONJ
fsr-3236	87	33	mitchell	mitchell	PROPN
fsr-3236	87	34	,	,	PUNCT
fsr-3236	87	35	2011	2011	NUM
fsr-3236	87	36	)	)	PUNCT
fsr-3236	87	37	.	.	PUNCT
fsr-3236	88	1	3.3.2	3.3.2	X
fsr-3236	88	2	.	.	PUNCT
fsr-3236	88	3	financial	financial	ADJ
fsr-3236	88	4	confidence	confidence	NOUN
fsr-3236	88	5	(	(	PUNCT
fsr-3236	88	6	or	or	CCONJ
fsr-3236	88	7	perceived	perceive	VERB
fsr-3236	88	8	knowledge	knowledge	NOUN
fsr-3236	88	9	)	)	PUNCT
fsr-3236	88	10	in	in	ADP
fsr-3236	88	11	the	the	DET
fsr-3236	88	12	nfcs	nfcs	PROPN
fsr-3236	88	13	survey	survey	NOUN
fsr-3236	88	14	,	,	PUNCT
fsr-3236	88	15	participants	participant	NOUN
fsr-3236	88	16	rated	rate	VERB
fsr-3236	88	17	their	their	PRON
fsr-3236	88	18	own	own	ADJ
fsr-3236	88	19	financial	financial	ADJ
fsr-3236	88	20	knowledge	knowledge	NOUN
fsr-3236	88	21	on	on	ADP
fsr-3236	88	22	a	a	DET
fsr-3236	88	23	7	7	NUM
fsr-3236	88	24	-	-	PUNCT
fsr-3236	88	25	point	point	NOUN
fsr-3236	88	26	likert	likert	NOUN
fsr-3236	88	27	item	item	NOUN
fsr-3236	88	28	scale	scale	NOUN
fsr-3236	88	29	whereby	whereby	SCONJ
fsr-3236	88	30	a	a	DET
fsr-3236	88	31	“	"	PUNCT
fsr-3236	88	32	1	1	NUM
fsr-3236	88	33	”	"	PUNCT
fsr-3236	88	34	reflects	reflect	VERB
fsr-3236	88	35	low	low	ADJ
fsr-3236	88	36	self	self	NOUN
fsr-3236	88	37	-	-	PUNCT
fsr-3236	88	38	assessed	assess	VERB
fsr-3236	88	39	levels	level	NOUN
fsr-3236	88	40	of	of	ADP
fsr-3236	88	41	financial	financial	ADJ
fsr-3236	88	42	knowledge	knowledge	NOUN
fsr-3236	88	43	and	and	CCONJ
fsr-3236	88	44	a	a	DET
fsr-3236	88	45	“	"	PUNCT
fsr-3236	88	46	7	7	NUM
fsr-3236	88	47	”	"	PUNCT
fsr-3236	88	48	reflects	reflect	VERB
fsr-3236	88	49	high	high	ADJ
fsr-3236	88	50	self	self	NOUN
fsr-3236	88	51	-	-	PUNCT
fsr-3236	88	52	assessed	assess	VERB
fsr-3236	88	53	levels	level	NOUN
fsr-3236	88	54	of	of	ADP
fsr-3236	88	55	financial	financial	ADJ
fsr-3236	88	56	knowledge	knowledge	NOUN
fsr-3236	88	57	.	.	PUNCT
fsr-3236	89	1	the	the	DET
fsr-3236	89	2	question	question	NOUN
fsr-3236	89	3	,	,	PUNCT
fsr-3236	89	4	as	as	SCONJ
fsr-3236	89	5	presented	present	VERB
fsr-3236	89	6	in	in	ADP
fsr-3236	89	7	the	the	DET
fsr-3236	89	8	survey	survey	NOUN
fsr-3236	89	9	,	,	PUNCT
fsr-3236	89	10	reads	read	VERB
fsr-3236	89	11	,	,	PUNCT
fsr-3236	89	12	“	"	PUNCT
fsr-3236	89	13	on	on	ADP
fsr-3236	89	14	a	a	DET
fsr-3236	89	15	scale	scale	NOUN
fsr-3236	89	16	from	from	ADP
fsr-3236	89	17	1	1	NUM
fsr-3236	89	18	to	to	ADP
fsr-3236	89	19	7	7	NUM
fsr-3236	89	20	,	,	PUNCT
fsr-3236	89	21	where	where	SCONJ
fsr-3236	89	22	1	1	NUM
fsr-3236	89	23	means	mean	VERB
fsr-3236	89	24	very	very	ADV
fsr-3236	89	25	low	low	ADJ
fsr-3236	89	26	and	and	CCONJ
fsr-3236	89	27	7	7	NUM
fsr-3236	89	28	means	mean	VERB
fsr-3236	89	29	very	very	ADV
fsr-3236	89	30	high	high	ADJ
fsr-3236	89	31	,	,	PUNCT
fsr-3236	89	32	how	how	SCONJ
fsr-3236	89	33	table	table	NOUN
fsr-3236	89	34	2	2	NUM
fsr-3236	89	35	financial	financial	ADJ
fsr-3236	89	36	knowledge	knowledge	NOUN
fsr-3236	89	37	question	question	NOUN
fsr-3236	89	38	responses	response	NOUN
fsr-3236	89	39	(	(	PUNCT
fsr-3236	89	40	n	n	CCONJ
fsr-3236	89	41	)	)	PUNCT
fsr-3236	89	42	percentage	percentage	NOUN
fsr-3236	89	43	interest	interest	NOUN
fsr-3236	89	44	:	:	PUNCT
fsr-3236	89	45	suppose	suppose	VERB
fsr-3236	89	46	you	you	PRON
fsr-3236	89	47	had	have	VERB
fsr-3236	89	48	$	$	SYM
fsr-3236	89	49	100	100	NUM
fsr-3236	89	50	in	in	ADP
fsr-3236	89	51	a	a	DET
fsr-3236	89	52	savings	saving	NOUN
fsr-3236	89	53	account	account	NOUN
fsr-3236	89	54	and	and	CCONJ
fsr-3236	89	55	the	the	DET
fsr-3236	89	56	interest	interest	NOUN
fsr-3236	89	57	rate	rate	NOUN
fsr-3236	89	58	was	be	AUX
fsr-3236	89	59	2	2	NUM
fsr-3236	89	60	%	%	NOUN
fsr-3236	89	61	per	per	ADP
fsr-3236	89	62	year	year	NOUN
fsr-3236	89	63	.	.	PUNCT
fsr-3236	90	1	after	after	ADP
fsr-3236	90	2	5	5	NUM
fsr-3236	90	3	years	year	NOUN
fsr-3236	90	4	,	,	PUNCT
fsr-3236	90	5	how	how	SCONJ
fsr-3236	90	6	much	much	ADJ
fsr-3236	90	7	do	do	AUX
fsr-3236	90	8	you	you	PRON
fsr-3236	90	9	think	think	VERB
fsr-3236	90	10	you	you	PRON
fsr-3236	90	11	would	would	AUX
fsr-3236	90	12	have	have	VERB
fsr-3236	90	13	in	in	ADP
fsr-3236	90	14	the	the	DET
fsr-3236	90	15	account	account	NOUN
fsr-3236	90	16	if	if	SCONJ
fsr-3236	90	17	you	you	PRON
fsr-3236	90	18	left	leave	VERB
fsr-3236	90	19	the	the	DET
fsr-3236	90	20	money	money	NOUN
fsr-3236	90	21	to	to	PART
fsr-3236	90	22	grow	grow	VERB
fsr-3236	90	23	?	?	PUNCT
fsr-3236	91	1	more	more	ADJ
fsr-3236	91	2	than	than	ADP
fsr-3236	91	3	$	$	SYM
fsr-3236	91	4	102	102	NUM
fsr-3236	91	5	19,112	19,112	NUM
fsr-3236	91	6	74.9	74.9	NUM
fsr-3236	91	7	exactly	exactly	ADV
fsr-3236	91	8	$	$	SYM
fsr-3236	91	9	102	102	NUM
fsr-3236	91	10	1,906	1,906	NUM
fsr-3236	91	11	7.5	7.5	NUM
fsr-3236	91	12	less	less	ADJ
fsr-3236	91	13	than	than	ADP
fsr-3236	91	14	$	$	SYM
fsr-3236	91	15	102	102	NUM
fsr-3236	91	16	1,407	1,407	NUM
fsr-3236	91	17	5.5	5.5	NUM
fsr-3236	91	18	do	do	AUX
fsr-3236	91	19	n’t	not	PART
fsr-3236	91	20	know	know	VERB
fsr-3236	91	21	2,818	2,818	NUM
fsr-3236	91	22	11.0	11.0	NUM
fsr-3236	91	23	prefer	prefer	VERB
fsr-3236	91	24	not	not	PART
fsr-3236	91	25	to	to	PART
fsr-3236	91	26	say	say	VERB
fsr-3236	91	27	266	266	NUM
fsr-3236	91	28	1.0	1.0	NUM
fsr-3236	91	29	inflation	inflation	NOUN
fsr-3236	91	30	:	:	PUNCT
fsr-3236	91	31	imagine	imagine	VERB
fsr-3236	91	32	that	that	SCONJ
fsr-3236	91	33	the	the	DET
fsr-3236	91	34	interest	interest	NOUN
fsr-3236	91	35	rate	rate	NOUN
fsr-3236	91	36	on	on	ADP
fsr-3236	91	37	your	your	PRON
fsr-3236	91	38	savings	saving	NOUN
fsr-3236	91	39	account	account	NOUN
fsr-3236	91	40	was	be	AUX
fsr-3236	91	41	1	1	NUM
fsr-3236	91	42	%	%	NOUN
fsr-3236	91	43	per	per	ADP
fsr-3236	91	44	year	year	NOUN
fsr-3236	91	45	and	and	CCONJ
fsr-3236	91	46	inflation	inflation	NOUN
fsr-3236	91	47	was	be	AUX
fsr-3236	91	48	2	2	NUM
fsr-3236	91	49	%	%	NOUN
fsr-3236	91	50	per	per	ADP
fsr-3236	91	51	year	year	NOUN
fsr-3236	91	52	.	.	PUNCT
fsr-3236	92	1	after	after	ADP
fsr-3236	92	2	1	1	NUM
fsr-3236	92	3	year	year	NOUN
fsr-3236	92	4	,	,	PUNCT
fsr-3236	92	5	how	how	SCONJ
fsr-3236	92	6	much	much	ADJ
fsr-3236	92	7	would	would	AUX
fsr-3236	92	8	you	you	PRON
fsr-3236	92	9	be	be	AUX
fsr-3236	92	10	able	able	ADJ
fsr-3236	92	11	to	to	PART
fsr-3236	92	12	buy	buy	VERB
fsr-3236	92	13	with	with	ADP
fsr-3236	92	14	the	the	DET
fsr-3236	92	15	money	money	NOUN
fsr-3236	92	16	in	in	ADP
fsr-3236	92	17	this	this	DET
fsr-3236	92	18	account	account	NOUN
fsr-3236	92	19	?	?	PUNCT
fsr-3236	93	1	more	more	ADJ
fsr-3236	93	2	than	than	ADP
fsr-3236	93	3	today	today	NOUN
fsr-3236	93	4	2,201	2,201	NUM
fsr-3236	93	5	8.6	8.6	NUM
fsr-3236	93	6	exactly	exactly	ADV
fsr-3236	93	7	the	the	DET
fsr-3236	93	8	same	same	ADJ
fsr-3236	93	9	2,176	2,176	NUM
fsr-3236	93	10	8.5	8.5	NUM
fsr-3236	93	11	less	less	ADJ
fsr-3236	93	12	than	than	ADP
fsr-3236	93	13	today	today	NOUN
fsr-3236	93	14	15,630	15,630	NUM
fsr-3236	93	15	61.3	61.3	NUM
fsr-3236	93	16	do	do	AUX
fsr-3236	93	17	n’t	not	PART
fsr-3236	93	18	know	know	VERB
fsr-3236	93	19	5,164	5,164	NUM
fsr-3236	93	20	20.2	20.2	NUM
fsr-3236	93	21	prefer	prefer	VERB
fsr-3236	93	22	not	not	PART
fsr-3236	93	23	to	to	PART
fsr-3236	93	24	say	say	VERB
fsr-3236	93	25	334	334	NUM
fsr-3236	93	26	1.3	1.3	NUM
fsr-3236	93	27	bond	bond	NOUN
fsr-3236	93	28	:	:	PUNCT
fsr-3236	93	29	if	if	SCONJ
fsr-3236	93	30	interest	interest	NOUN
fsr-3236	93	31	rates	rate	NOUN
fsr-3236	93	32	rise	rise	VERB
fsr-3236	93	33	,	,	PUNCT
fsr-3236	93	34	what	what	PRON
fsr-3236	93	35	will	will	AUX
fsr-3236	93	36	typically	typically	ADV
fsr-3236	93	37	happen	happen	VERB
fsr-3236	93	38	to	to	PART
fsr-3236	93	39	bond	bond	NOUN
fsr-3236	93	40	prices	price	NOUN
fsr-3236	93	41	?	?	PUNCT
fsr-3236	94	1	they	they	PRON
fsr-3236	94	2	will	will	AUX
fsr-3236	94	3	rise	rise	VERB
fsr-3236	94	4	5,014	5,014	NUM
fsr-3236	94	5	19.7	19.7	NUM
fsr-3236	94	6	they	they	PRON
fsr-3236	94	7	will	will	AUX
fsr-3236	94	8	fall	fall	VERB
fsr-3236	94	9	7,168	7,168	NUM
fsr-3236	94	10	28.1	28.1	NUM
fsr-3236	94	11	they	they	PRON
fsr-3236	94	12	will	will	AUX
fsr-3236	94	13	stay	stay	VERB
fsr-3236	94	14	the	the	DET
fsr-3236	94	15	same	same	ADJ
fsr-3236	94	16	1,290	1,290	NUM
fsr-3236	94	17	5.1	5.1	NUM
fsr-3236	94	18	there	there	PRON
fsr-3236	94	19	is	be	VERB
fsr-3236	94	20	no	no	DET
fsr-3236	94	21	relationship	relationship	NOUN
fsr-3236	94	22	�	�	PROPN
fsr-3236	94	23	2,186	2,186	NUM
fsr-3236	94	24	8.6	8.6	NUM
fsr-3236	94	25	do	do	AUX
fsr-3236	94	26	n’t	not	PART
fsr-3236	94	27	know	know	VERB
fsr-3236	94	28	9,545	9,545	NUM
fsr-3236	94	29	37.4	37.4	NUM
fsr-3236	94	30	prefer	prefer	VERB
fsr-3236	94	31	not	not	PART
fsr-3236	94	32	to	to	PART
fsr-3236	94	33	say	say	VERB
fsr-3236	94	34	306	306	NUM
fsr-3236	94	35	38.6	38.6	NUM
fsr-3236	94	36	mortgage	mortgage	NOUN
fsr-3236	94	37	:	:	PUNCT
fsr-3236	94	38	a	a	DET
fsr-3236	94	39	15	15	NUM
fsr-3236	94	40	-	-	PUNCT
fsr-3236	94	41	year	year	NOUN
fsr-3236	94	42	mortgage	mortgage	NOUN
fsr-3236	94	43	typically	typically	ADV
fsr-3236	94	44	requires	require	VERB
fsr-3236	94	45	higher	high	ADJ
fsr-3236	94	46	monthly	monthly	ADJ
fsr-3236	94	47	payments	payment	NOUN
fsr-3236	94	48	than	than	ADP
fsr-3236	94	49	a	a	DET
fsr-3236	94	50	30	30	NUM
fsr-3236	94	51	-	-	PUNCT
fsr-3236	94	52	year	year	NOUN
fsr-3236	94	53	mortgage	mortgage	NOUN
fsr-3236	94	54	,	,	PUNCT
fsr-3236	94	55	but	but	CCONJ
fsr-3236	94	56	the	the	DET
fsr-3236	94	57	total	total	ADJ
fsr-3236	94	58	interest	interest	NOUN
fsr-3236	94	59	paid	pay	VERB
fsr-3236	94	60	over	over	ADP
fsr-3236	94	61	the	the	DET
fsr-3236	94	62	life	life	NOUN
fsr-3236	94	63	of	of	ADP
fsr-3236	94	64	the	the	DET
fsr-3236	94	65	loan	loan	NOUN
fsr-3236	94	66	will	will	AUX
fsr-3236	94	67	be	be	AUX
fsr-3236	94	68	less	less	ADJ
fsr-3236	94	69	.	.	PUNCT
fsr-3236	95	1	true	true	ADJ
fsr-3236	95	2	19,142	19,142	NUM
fsr-3236	95	3	75.0	75.0	NUM
fsr-3236	95	4	false	false	ADJ
fsr-3236	95	5	2,303	2,303	NUM
fsr-3236	95	6	9.0	9.0	NUM
fsr-3236	95	7	do	do	AUX
fsr-3236	95	8	n’t	not	PART
fsr-3236	95	9	know	know	VERB
fsr-3236	95	10	3,882	3,882	NUM
fsr-3236	95	11	15.2	15.2	NUM
fsr-3236	95	12	prefer	prefer	VERB
fsr-3236	95	13	not	not	PART
fsr-3236	95	14	to	to	PART
fsr-3236	95	15	say	say	VERB
fsr-3236	95	16	182	182	NUM
fsr-3236	95	17	0.7	0.7	NUM
fsr-3236	95	18	risk	risk	NOUN
fsr-3236	95	19	:	:	PUNCT
fsr-3236	95	20	buying	buy	VERB
fsr-3236	95	21	a	a	DET
fsr-3236	95	22	single	single	ADJ
fsr-3236	95	23	company	company	NOUN
fsr-3236	95	24	’s	’s	PART
fsr-3236	95	25	stock	stock	NOUN
fsr-3236	95	26	usually	usually	ADV
fsr-3236	95	27	provides	provide	VERB
fsr-3236	95	28	a	a	DET
fsr-3236	95	29	safer	safe	ADJ
fsr-3236	95	30	return	return	NOUN
fsr-3236	95	31	than	than	ADP
fsr-3236	95	32	a	a	DET
fsr-3236	95	33	stock	stock	NOUN
fsr-3236	95	34	mutual	mutual	ADJ
fsr-3236	95	35	fund	fund	NOUN
fsr-3236	95	36	.	.	PUNCT
fsr-3236	96	1	true	true	ADJ
fsr-3236	96	2	2,209	2,209	NUM
fsr-3236	96	3	8.7	8.7	NUM
fsr-3236	96	4	false	false	ADJ
fsr-3236	96	5	12,366	12,366	NUM
fsr-3236	96	6	48.5	48.5	NUM
fsr-3236	96	7	do	do	AUX
fsr-3236	96	8	n’t	not	PART
fsr-3236	96	9	know	know	VERB
fsr-3236	96	10	10,715	10,715	NUM
fsr-3236	96	11	42.0	42.0	NUM
fsr-3236	96	12	prefer	prefer	VERB
fsr-3236	96	13	not	not	PART
fsr-3236	96	14	to	to	PART
fsr-3236	96	15	say	say	VERB
fsr-3236	96	16	219	219	NUM
fsr-3236	96	17	0.9	0.9	NUM
fsr-3236	96	18	the	the	DET
fsr-3236	96	19	five	five	NUM
fsr-3236	96	20	financial	financial	ADJ
fsr-3236	96	21	literacy	literacy	NOUN
fsr-3236	96	22	questions	question	NOUN
fsr-3236	96	23	as	as	SCONJ
fsr-3236	96	24	they	they	PRON
fsr-3236	96	25	appear	appear	VERB
fsr-3236	96	26	in	in	ADP
fsr-3236	96	27	finras	finra	NOUN
fsr-3236	96	28	2012	2012	NUM
fsr-3236	96	29	national	national	ADJ
fsr-3236	96	30	financial	financial	ADJ
fsr-3236	96	31	capability	capability	NOUN
fsr-3236	96	32	study	study	NOUN
fsr-3236	96	33	.	.	PUNCT
fsr-3236	97	1	correct	correct	ADJ
fsr-3236	97	2	answers	answer	NOUN
fsr-3236	97	3	are	be	AUX
fsr-3236	97	4	italicized	italicize	VERB
fsr-3236	97	5	.	.	PUNCT
fsr-3236	98	1	binary	binary	ADJ
fsr-3236	98	2	variables	variable	NOUN
fsr-3236	98	3	were	be	AUX
fsr-3236	98	4	created	create	VERB
fsr-3236	98	5	for	for	ADP
fsr-3236	98	6	each	each	PRON
fsr-3236	98	7	of	of	ADP
fsr-3236	98	8	the	the	DET
fsr-3236	98	9	five	five	NUM
fsr-3236	98	10	literacy	literacy	NOUN
fsr-3236	98	11	topics	topic	NOUN
fsr-3236	98	12	(	(	PUNCT
fsr-3236	98	13	interest	interest	NOUN
fsr-3236	98	14	,	,	PUNCT
fsr-3236	98	15	inflation	inflation	NOUN
fsr-3236	98	16	,	,	PUNCT
fsr-3236	98	17	bond	bond	NOUN
fsr-3236	98	18	,	,	PUNCT
fsr-3236	98	19	mortgage	mortgage	NOUN
fsr-3236	98	20	,	,	PUNCT
fsr-3236	98	21	and	and	CCONJ
fsr-3236	98	22	risk	risk	NOUN
fsr-3236	98	23	)	)	PUNCT
fsr-3236	98	24	whereby	whereby	SCONJ
fsr-3236	98	25	a	a	DET
fsr-3236	98	26	correct	correct	ADJ
fsr-3236	98	27	response	response	NOUN
fsr-3236	98	28	is	be	AUX
fsr-3236	98	29	coded	code	VERB
fsr-3236	98	30	as	as	ADP
fsr-3236	98	31	1	1	NUM
fsr-3236	98	32	.	.	PUNCT
fsr-3236	99	1	if	if	SCONJ
fsr-3236	99	2	the	the	DET
fsr-3236	99	3	respondent	respondent	NOUN
fsr-3236	99	4	incorrectly	incorrectly	ADV
fsr-3236	99	5	answered	answer	VERB
fsr-3236	99	6	the	the	DET
fsr-3236	99	7	question	question	NOUN
fsr-3236	99	8	,	,	PUNCT
fsr-3236	99	9	responded	respond	VERB
fsr-3236	99	10	“	"	PUNCT
fsr-3236	99	11	do	do	AUX
fsr-3236	99	12	n’t	not	PART
fsr-3236	99	13	know	know	VERB
fsr-3236	99	14	”	"	PUNCT
fsr-3236	99	15	or	or	CCONJ
fsr-3236	99	16	“	"	PUNCT
fsr-3236	99	17	prefer	prefer	VERB
fsr-3236	99	18	not	not	PART
fsr-3236	99	19	to	to	PART
fsr-3236	99	20	say	say	VERB
fsr-3236	99	21	”	"	PUNCT
fsr-3236	99	22	the	the	DET
fsr-3236	99	23	answer	answer	NOUN
fsr-3236	99	24	was	be	AUX
fsr-3236	99	25	coded	code	VERB
fsr-3236	99	26	as	as	ADP
fsr-3236	99	27	not	not	PART
fsr-3236	99	28	correct	correct	ADJ
fsr-3236	99	29	(	(	PUNCT
fsr-3236	99	30	or	or	CCONJ
fsr-3236	99	31	0	0	NUM
fsr-3236	99	32	)	)	PUNCT
fsr-3236	99	33	.	.	PUNCT
fsr-3236	100	1	106	106	NUM
fsr-3236	100	2	c.t	c.t	PROPN
fsr-3236	100	3	.	.	PROPN
fsr-3236	100	4	asaad	asaad	PROPN
fsr-3236	100	5	/	/	SYM
fsr-3236	100	6	financial	financial	ADJ
fsr-3236	100	7	services	service	NOUN
fsr-3236	100	8	review	review	VERB
fsr-3236	100	9	24	24	NUM
fsr-3236	100	10	(	(	PUNCT
fsr-3236	100	11	2015	2015	NUM
fsr-3236	100	12	)	)	PUNCT
fsr-3236	100	13	101–117	101–117	NUM
fsr-3236	100	14	would	would	AUX
fsr-3236	100	15	you	you	PRON
fsr-3236	100	16	assess	assess	VERB
fsr-3236	100	17	your	your	PRON
fsr-3236	100	18	overall	overall	ADJ
fsr-3236	100	19	financial	financial	ADJ
fsr-3236	100	20	knowledge	knowledge	NOUN
fsr-3236	100	21	?	?	PUNCT
fsr-3236	100	22	”	"	PUNCT
fsr-3236	101	1	on	on	ADP
fsr-3236	101	2	average	average	ADJ
fsr-3236	101	3	,	,	PUNCT
fsr-3236	101	4	individuals	individual	NOUN
fsr-3236	101	5	rated	rate	VERB
fsr-3236	101	6	their	their	PRON
fsr-3236	101	7	financial	financial	ADJ
fsr-3236	101	8	knowledge	knowledge	NOUN
fsr-3236	101	9	(	(	PUNCT
fsr-3236	101	10	overall	overall	ADJ
fsr-3236	101	11	)	)	PUNCT
fsr-3236	101	12	as	as	ADP
fsr-3236	101	13	5.15	5.15	NUM
fsr-3236	101	14	on	on	ADP
fsr-3236	101	15	a	a	DET
fsr-3236	101	16	7	7	NUM
fsr-3236	101	17	-	-	PUNCT
fsr-3236	101	18	point	point	NOUN
fsr-3236	101	19	scale	scale	NOUN
fsr-3236	101	20	.	.	PUNCT
fsr-3236	102	1	table	table	NOUN
fsr-3236	102	2	3	3	NUM
fsr-3236	102	3	shows	show	VERB
fsr-3236	102	4	that	that	SCONJ
fsr-3236	102	5	only	only	ADV
fsr-3236	102	6	9.4	9.4	NUM
fsr-3236	102	7	%	%	NOUN
fsr-3236	102	8	of	of	ADP
fsr-3236	102	9	individuals	individual	NOUN
fsr-3236	102	10	self	self	NOUN
fsr-3236	102	11	-	-	PUNCT
fsr-3236	102	12	assessed	assess	VERB
fsr-3236	102	13	their	their	PRON
fsr-3236	102	14	knowledge	knowledge	NOUN
fsr-3236	102	15	level	level	NOUN
fsr-3236	102	16	as	as	ADP
fsr-3236	102	17	below	below	ADP
fsr-3236	102	18	average	average	NOUN
fsr-3236	102	19	,	,	PUNCT
fsr-3236	102	20	whereas	whereas	SCONJ
fsr-3236	102	21	15.3	15.3	NUM
fsr-3236	102	22	%	%	NOUN
fsr-3236	102	23	of	of	ADP
fsr-3236	102	24	individuals	individual	NOUN
fsr-3236	102	25	rated	rate	VERB
fsr-3236	102	26	their	their	PRON
fsr-3236	102	27	knowledge	knowledge	NOUN
fsr-3236	102	28	as	as	ADP
fsr-3236	102	29	average	average	ADJ
fsr-3236	102	30	and	and	CCONJ
fsr-3236	102	31	75.2	75.2	NUM
fsr-3236	102	32	%	%	NOUN
fsr-3236	102	33	rated	rate	VERB
fsr-3236	102	34	their	their	PRON
fsr-3236	102	35	knowledge	knowledge	NOUN
fsr-3236	102	36	as	as	ADP
fsr-3236	102	37	above	above	ADP
fsr-3236	102	38	average	average	ADJ
fsr-3236	102	39	.	.	PUNCT
fsr-3236	103	1	two	two	NUM
fsr-3236	103	2	additional	additional	ADJ
fsr-3236	103	3	questions	question	NOUN
fsr-3236	103	4	,	,	PUNCT
fsr-3236	103	5	measured	measure	VERB
fsr-3236	103	6	on	on	ADP
fsr-3236	103	7	a	a	DET
fsr-3236	103	8	7	7	NUM
fsr-3236	103	9	-	-	PUNCT
fsr-3236	103	10	point	point	NOUN
fsr-3236	103	11	scale	scale	NOUN
fsr-3236	103	12	,	,	PUNCT
fsr-3236	103	13	assess	assess	VERB
fsr-3236	103	14	confidence	confidence	NOUN
fsr-3236	103	15	levels	level	NOUN
fsr-3236	103	16	:	:	PUNCT
fsr-3236	103	17	how	how	SCONJ
fsr-3236	103	18	strongly	strongly	ADV
fsr-3236	103	19	do	do	AUX
fsr-3236	103	20	you	you	PRON
fsr-3236	103	21	agree	agree	VERB
fsr-3236	103	22	or	or	CCONJ
fsr-3236	103	23	disagree	disagree	VERB
fsr-3236	103	24	with	with	ADP
fsr-3236	103	25	the	the	DET
fsr-3236	103	26	following	follow	VERB
fsr-3236	103	27	statements	statement	NOUN
fsr-3236	103	28	?	?	PUNCT
fsr-3236	104	1	y	y	NOUN
fsr-3236	104	2	i	i	PRON
fsr-3236	104	3	am	be	AUX
fsr-3236	104	4	good	good	ADJ
fsr-3236	104	5	at	at	ADP
fsr-3236	104	6	dealing	deal	VERB
fsr-3236	104	7	with	with	ADP
fsr-3236	104	8	day	day	NOUN
fsr-3236	104	9	-	-	PUNCT
fsr-3236	104	10	to	to	ADP
fsr-3236	104	11	-	-	PUNCT
fsr-3236	104	12	day	day	NOUN
fsr-3236	104	13	financial	financial	ADJ
fsr-3236	104	14	matters	matter	NOUN
fsr-3236	104	15	,	,	PUNCT
fsr-3236	104	16	such	such	ADJ
fsr-3236	104	17	as	as	ADP
fsr-3236	104	18	checking	check	VERB
fsr-3236	104	19	accounts	account	NOUN
fsr-3236	104	20	,	,	PUNCT
fsr-3236	104	21	credit	credit	NOUN
fsr-3236	104	22	and	and	CCONJ
fsr-3236	104	23	debit	debit	NOUN
fsr-3236	104	24	cards	card	NOUN
fsr-3236	104	25	,	,	PUNCT
fsr-3236	104	26	and	and	CCONJ
fsr-3236	104	27	tracking	tracking	NOUN
fsr-3236	104	28	expenses	expense	NOUN
fsr-3236	104	29	.	.	PUNCT
fsr-3236	105	1	y	y	NOUN
fsr-3236	105	2	i	i	PRON
fsr-3236	105	3	am	be	AUX
fsr-3236	105	4	pretty	pretty	ADV
fsr-3236	105	5	good	good	ADJ
fsr-3236	105	6	at	at	ADP
fsr-3236	105	7	math	math	NOUN
fsr-3236	105	8	.	.	PUNCT
fsr-3236	106	1	as	as	SCONJ
fsr-3236	106	2	seen	see	VERB
fsr-3236	106	3	in	in	ADP
fsr-3236	106	4	table	table	NOUN
fsr-3236	106	5	3	3	NUM
fsr-3236	106	6	,	,	PUNCT
fsr-3236	106	7	the	the	DET
fsr-3236	106	8	majority	majority	NOUN
fsr-3236	106	9	of	of	ADP
fsr-3236	106	10	individuals	individual	NOUN
fsr-3236	106	11	rate	rate	VERB
fsr-3236	106	12	themselves	themselves	PRON
fsr-3236	106	13	as	as	ADV
fsr-3236	106	14	better	well	ADJ
fsr-3236	106	15	than	than	ADP
fsr-3236	106	16	average	average	ADJ
fsr-3236	106	17	:	:	PUNCT
fsr-3236	106	18	the	the	DET
fsr-3236	106	19	mean	mean	ADJ
fsr-3236	106	20	and	and	CCONJ
fsr-3236	106	21	median	median	ADJ
fsr-3236	106	22	responses	response	NOUN
fsr-3236	106	23	are	be	AUX
fsr-3236	106	24	all	all	ADV
fsr-3236	106	25	above	above	ADP
fsr-3236	106	26	four	four	NUM
fsr-3236	106	27	.	.	PUNCT
fsr-3236	107	1	robb	robb	NOUN
fsr-3236	107	2	,	,	PUNCT
fsr-3236	107	3	babiarz	babiarz	NOUN
fsr-3236	107	4	,	,	PUNCT
fsr-3236	107	5	and	and	CCONJ
fsr-3236	107	6	woodyard	woodyard	PROPN
fsr-3236	107	7	(	(	PUNCT
fsr-3236	107	8	2012	2012	NUM
fsr-3236	107	9	)	)	PUNCT
fsr-3236	107	10	measure	measure	NOUN
fsr-3236	107	11	financial	financial	ADJ
fsr-3236	107	12	confidence	confidence	NOUN
fsr-3236	107	13	as	as	ADP
fsr-3236	107	14	an	an	DET
fsr-3236	107	15	average	average	NOUN
fsr-3236	107	16	of	of	ADP
fsr-3236	107	17	the	the	DET
fsr-3236	107	18	confidence	confidence	NOUN
fsr-3236	107	19	responses	response	NOUN
fsr-3236	107	20	.	.	PUNCT
fsr-3236	108	1	following	follow	VERB
fsr-3236	108	2	their	their	PRON
fsr-3236	108	3	method	method	NOUN
fsr-3236	108	4	,	,	PUNCT
fsr-3236	108	5	an	an	DET
fsr-3236	108	6	“	"	PUNCT
fsr-3236	108	7	average	average	ADJ
fsr-3236	108	8	”	"	PUNCT
fsr-3236	108	9	financial	financial	ADJ
fsr-3236	108	10	confidence	confidence	NOUN
fsr-3236	108	11	measure	measure	NOUN
fsr-3236	108	12	is	be	AUX
fsr-3236	108	13	created	create	VERB
fsr-3236	108	14	(	(	PUNCT
fsr-3236	108	15	average	average	ADJ
fsr-3236	108	16	)	)	PUNCT
fsr-3236	108	17	as	as	ADP
fsr-3236	108	18	the	the	DET
fsr-3236	108	19	mean	mean	NOUN
fsr-3236	108	20	of	of	ADP
fsr-3236	108	21	the	the	DET
fsr-3236	108	22	three	three	NUM
fsr-3236	108	23	responses	response	NOUN
fsr-3236	108	24	(	(	PUNCT
fsr-3236	108	25	overall	overall	ADJ
fsr-3236	108	26	,	,	PUNCT
fsr-3236	108	27	day	day	NOUN
fsr-3236	108	28	-	-	PUNCT
fsr-3236	108	29	to	to	ADP
fsr-3236	108	30	-	-	PUNCT
fsr-3236	108	31	day	day	NOUN
fsr-3236	108	32	,	,	PUNCT
fsr-3236	108	33	math).3	math).3	PROPN
fsr-3236	108	34	3.3.3	3.3.3	NUM
fsr-3236	108	35	.	.	PUNCT
fsr-3236	109	1	knowledge	knowledge	NOUN
fsr-3236	109	2	and	and	CCONJ
fsr-3236	109	3	confidence	confidence	NOUN
fsr-3236	109	4	allgood	allgood	NOUN
fsr-3236	109	5	and	and	CCONJ
fsr-3236	109	6	walstad	walstad	PROPN
fsr-3236	109	7	(	(	PUNCT
fsr-3236	109	8	2013	2013	NUM
fsr-3236	109	9	)	)	PUNCT
fsr-3236	109	10	develop	develop	VERB
fsr-3236	109	11	a	a	DET
fsr-3236	109	12	measure	measure	NOUN
fsr-3236	109	13	that	that	PRON
fsr-3236	109	14	accounts	account	VERB
fsr-3236	109	15	for	for	ADP
fsr-3236	109	16	both	both	CCONJ
fsr-3236	109	17	an	an	DET
fsr-3236	109	18	individual	individual	NOUN
fsr-3236	109	19	’s	’s	PART
fsr-3236	109	20	actual	actual	ADJ
fsr-3236	109	21	financial	financial	ADJ
fsr-3236	109	22	knowledge	knowledge	NOUN
fsr-3236	109	23	and	and	CCONJ
fsr-3236	109	24	perceived	perceive	VERB
fsr-3236	109	25	financial	financial	ADJ
fsr-3236	109	26	knowledge	knowledge	NOUN
fsr-3236	109	27	,	,	PUNCT
fsr-3236	109	28	arguing	argue	VERB
fsr-3236	109	29	that	that	SCONJ
fsr-3236	109	30	the	the	DET
fsr-3236	109	31	combination	combination	NOUN
fsr-3236	109	32	provides	provide	VERB
fsr-3236	109	33	“	"	PUNCT
fsr-3236	109	34	more	more	ADV
fsr-3236	109	35	robust	robust	ADJ
fsr-3236	109	36	and	and	CCONJ
fsr-3236	109	37	nuanced	nuanced	ADJ
fsr-3236	109	38	insights	insight	NOUN
fsr-3236	109	39	”	"	PUNCT
fsr-3236	109	40	about	about	ADP
fsr-3236	109	41	how	how	SCONJ
fsr-3236	109	42	financial	financial	ADJ
fsr-3236	109	43	literacy	literacy	NOUN
fsr-3236	109	44	affects	affect	VERB
fsr-3236	109	45	financial	financial	ADJ
fsr-3236	109	46	table	table	NOUN
fsr-3236	109	47	3	3	NUM
fsr-3236	109	48	financial	financial	ADJ
fsr-3236	109	49	confidence	confidence	NOUN
fsr-3236	109	50	overall	overall	ADJ
fsr-3236	109	51	day	day	NOUN
fsr-3236	109	52	-	-	PUNCT
fsr-3236	109	53	to	to	ADP
fsr-3236	109	54	-	-	PUNCT
fsr-3236	109	55	day	day	NOUN
fsr-3236	109	56	math	math	NOUN
fsr-3236	109	57	n	n	CCONJ
fsr-3236	109	58	%	%	NOUN
fsr-3236	109	59	n	n	PRON
fsr-3236	109	60	%	%	NOUN
fsr-3236	110	1	n	n	CCONJ
fsr-3236	110	2	%	%	NOUN
fsr-3236	110	3	1	1	NUM
fsr-3236	110	4	–	–	PUNCT
fsr-3236	110	5	very	very	ADV
fsr-3236	110	6	low	low	ADJ
fsr-3236	110	7	/	/	PUNCT
fsr-3236	110	8	strongly	strongly	ADV
fsr-3236	110	9	disagree	disagree	VERB
fsr-3236	110	10	500	500	NUM
fsr-3236	110	11	2.0	2.0	NUM
fsr-3236	110	12	947	947	NUM
fsr-3236	110	13	3.8	3.8	NUM
fsr-3236	110	14	1,177	1,177	NUM
fsr-3236	110	15	4.7	4.7	NUM
fsr-3236	110	16	2	2	NUM
fsr-3236	110	17	506	506	NUM
fsr-3236	110	18	2.0	2.0	NUM
fsr-3236	110	19	574	574	NUM
fsr-3236	110	20	2.3	2.3	NUM
fsr-3236	110	21	704	704	NUM
fsr-3236	110	22	2.8	2.8	NUM
fsr-3236	110	23	3	3	NUM
fsr-3236	110	24	1,329	1,329	NUM
fsr-3236	110	25	5.4	5.4	NUM
fsr-3236	110	26	865	865	NUM
fsr-3236	110	27	3.4	3.4	NUM
fsr-3236	110	28	991	991	NUM
fsr-3236	110	29	3.9	3.9	NUM
fsr-3236	110	30	4	4	NUM
fsr-3236	110	31	–	–	PUNCT
fsr-3236	110	32	average	average	ADJ
fsr-3236	110	33	/	/	SYM
fsr-3236	110	34	neither	neither	CCONJ
fsr-3236	110	35	agree	agree	VERB
fsr-3236	110	36	or	or	CCONJ
fsr-3236	110	37	disagree	disagree	VERB
fsr-3236	110	38	3,792	3,792	NUM
fsr-3236	110	39	15.3	15.3	NUM
fsr-3236	110	40	3,207	3,207	NUM
fsr-3236	110	41	12.8	12.8	NUM
fsr-3236	110	42	2,924	2,924	NUM
fsr-3236	110	43	11.6	11.6	NUM
fsr-3236	110	44	5	5	NUM
fsr-3236	110	45	8,461	8,461	NUM
fsr-3236	110	46	34.2	34.2	NUM
fsr-3236	110	47	3,287	3,287	NUM
fsr-3236	110	48	13.1	13.1	NUM
fsr-3236	110	49	3,403	3,403	NUM
fsr-3236	110	50	13.5	13.5	NUM
fsr-3236	110	51	6	6	NUM
fsr-3236	110	52	6,652	6,652	NUM
fsr-3236	110	53	26.9	26.9	NUM
fsr-3236	110	54	5,698	5,698	NUM
fsr-3236	110	55	22.7	22.7	NUM
fsr-3236	110	56	5,896	5,896	NUM
fsr-3236	110	57	23.4	23.4	NUM
fsr-3236	110	58	7	7	NUM
fsr-3236	110	59	–	–	PUNCT
fsr-3236	110	60	very	very	ADV
fsr-3236	110	61	high	high	ADJ
fsr-3236	110	62	/	/	PUNCT
fsr-3236	110	63	strongly	strongly	ADV
fsr-3236	110	64	agree	agree	VERB
fsr-3236	110	65	3,479	3,479	NUM
fsr-3236	110	66	14.1	14.1	NUM
fsr-3236	110	67	10,518	10,518	NUM
fsr-3236	110	68	41.9	41.9	NUM
fsr-3236	110	69	10,099	10,099	NUM
fsr-3236	110	70	40.1	40.1	NUM
fsr-3236	110	71	mean	mean	NOUN
fsr-3236	110	72	5.15	5.15	NUM
fsr-3236	110	73	5.65	5.65	NUM
fsr-3236	110	74	5.57	5.57	NUM
fsr-3236	110	75	median	median	NOUN
fsr-3236	110	76	5.00	5.00	NUM
fsr-3236	110	77	6.00	6.00	NUM
fsr-3236	110	78	6.00	6.00	NUM
fsr-3236	110	79	standard	standard	ADJ
fsr-3236	110	80	deviation	deviation	NOUN
fsr-3236	110	81	1.30	1.30	NUM
fsr-3236	110	82	1.60	1.60	NUM
fsr-3236	110	83	1.70	1.70	NUM
fsr-3236	110	84	three	three	NUM
fsr-3236	110	85	questions	question	NOUN
fsr-3236	110	86	in	in	ADP
fsr-3236	110	87	the	the	DET
fsr-3236	110	88	nfcs	nfcs	PROPN
fsr-3236	110	89	survey	survey	NOUN
fsr-3236	110	90	touch	touch	NOUN
fsr-3236	110	91	on	on	ADP
fsr-3236	110	92	financial	financial	ADJ
fsr-3236	110	93	confidence	confidence	NOUN
fsr-3236	110	94	:	:	PUNCT
fsr-3236	110	95	(	(	PUNCT
fsr-3236	110	96	1	1	X
fsr-3236	110	97	)	)	PUNCT
fsr-3236	110	98	“	"	PUNCT
fsr-3236	110	99	on	on	ADP
fsr-3236	110	100	a	a	DET
fsr-3236	110	101	scale	scale	NOUN
fsr-3236	110	102	from	from	ADP
fsr-3236	110	103	1	1	NUM
fsr-3236	110	104	to	to	ADP
fsr-3236	110	105	7	7	NUM
fsr-3236	110	106	,	,	PUNCT
fsr-3236	110	107	where	where	SCONJ
fsr-3236	110	108	1	1	NUM
fsr-3236	110	109	means	mean	VERB
fsr-3236	110	110	very	very	ADV
fsr-3236	110	111	low	low	ADJ
fsr-3236	110	112	and	and	CCONJ
fsr-3236	110	113	7	7	NUM
fsr-3236	110	114	means	mean	VERB
fsr-3236	110	115	very	very	ADV
fsr-3236	110	116	high	high	ADJ
fsr-3236	110	117	,	,	PUNCT
fsr-3236	110	118	how	how	SCONJ
fsr-3236	110	119	would	would	AUX
fsr-3236	110	120	you	you	PRON
fsr-3236	110	121	assess	assess	VERB
fsr-3236	110	122	your	your	PRON
fsr-3236	110	123	overall	overall	ADJ
fsr-3236	110	124	financial	financial	ADJ
fsr-3236	110	125	knowledge	knowledge	NOUN
fsr-3236	110	126	?	?	PUNCT
fsr-3236	110	127	”	"	PUNCT
fsr-3236	111	1	(	(	PUNCT
fsr-3236	111	2	overall	overall	ADJ
fsr-3236	111	3	)	)	PUNCT
fsr-3236	111	4	;	;	PUNCT
fsr-3236	111	5	“	"	PUNCT
fsr-3236	111	6	how	how	SCONJ
fsr-3236	111	7	strongly	strongly	ADV
fsr-3236	111	8	do	do	AUX
fsr-3236	111	9	you	you	PRON
fsr-3236	111	10	agree	agree	VERB
fsr-3236	111	11	or	or	CCONJ
fsr-3236	111	12	disagree	disagree	VERB
fsr-3236	111	13	with	with	ADP
fsr-3236	111	14	the	the	DET
fsr-3236	111	15	following	following	ADJ
fsr-3236	111	16	statements	statement	NOUN
fsr-3236	111	17	?	?	PUNCT
fsr-3236	111	18	”	"	PUNCT
fsr-3236	112	1	(	(	PUNCT
fsr-3236	112	2	2	2	X
fsr-3236	112	3	)	)	PUNCT
fsr-3236	112	4	“	"	PUNCT
fsr-3236	112	5	i	i	PRON
fsr-3236	112	6	am	be	AUX
fsr-3236	112	7	good	good	ADJ
fsr-3236	112	8	at	at	ADP
fsr-3236	112	9	dealing	deal	VERB
fsr-3236	112	10	with	with	ADP
fsr-3236	112	11	day	day	NOUN
fsr-3236	112	12	-	-	PUNCT
fsr-3236	112	13	to	to	ADP
fsr-3236	112	14	-	-	PUNCT
fsr-3236	112	15	day	day	NOUN
fsr-3236	112	16	financial	financial	ADJ
fsr-3236	112	17	matters	matter	NOUN
fsr-3236	112	18	,	,	PUNCT
fsr-3236	112	19	such	such	ADJ
fsr-3236	112	20	as	as	ADP
fsr-3236	112	21	checking	check	VERB
fsr-3236	112	22	accounts	account	NOUN
fsr-3236	112	23	,	,	PUNCT
fsr-3236	112	24	credit	credit	NOUN
fsr-3236	112	25	and	and	CCONJ
fsr-3236	112	26	debit	debit	NOUN
fsr-3236	112	27	cards	card	NOUN
fsr-3236	112	28	,	,	PUNCT
fsr-3236	112	29	and	and	CCONJ
fsr-3236	112	30	tracking	tracking	NOUN
fsr-3236	112	31	expenses	expense	NOUN
fsr-3236	112	32	.	.	PUNCT
fsr-3236	112	33	”	"	PUNCT
fsr-3236	113	1	(	(	PUNCT
fsr-3236	113	2	day	day	NOUN
fsr-3236	113	3	-	-	PUNCT
fsr-3236	113	4	to	to	ADP
fsr-3236	113	5	-	-	PUNCT
fsr-3236	113	6	day	day	NOUN
fsr-3236	113	7	)	)	PUNCT
fsr-3236	113	8	;	;	PUNCT
fsr-3236	113	9	(	(	PUNCT
fsr-3236	113	10	3	3	X
fsr-3236	113	11	)	)	PUNCT
fsr-3236	113	12	“	"	PUNCT
fsr-3236	113	13	i	i	PRON
fsr-3236	113	14	am	be	AUX
fsr-3236	113	15	pretty	pretty	ADV
fsr-3236	113	16	good	good	ADJ
fsr-3236	113	17	at	at	ADP
fsr-3236	113	18	math	math	NOUN
fsr-3236	113	19	.	.	PUNCT
fsr-3236	113	20	”	"	PUNCT
fsr-3236	114	1	(	(	PUNCT
fsr-3236	114	2	math	math	NOUN
fsr-3236	114	3	)	)	PUNCT
fsr-3236	114	4	respondent	respondent	NOUN
fsr-3236	114	5	’s	’s	ADV
fsr-3236	114	6	answering	answer	VERB
fsr-3236	114	7	“	"	PUNCT
fsr-3236	114	8	do	do	AUX
fsr-3236	114	9	n’t	not	PART
fsr-3236	114	10	know	know	VERB
fsr-3236	114	11	”	"	PUNCT
fsr-3236	114	12	for	for	ADP
fsr-3236	114	13	overall	overall	ADJ
fsr-3236	114	14	financial	financial	ADJ
fsr-3236	114	15	knowledge	knowledge	NOUN
fsr-3236	114	16	(	(	PUNCT
fsr-3236	114	17	528	528	NUM
fsr-3236	114	18	,	,	PUNCT
fsr-3236	114	19	or	or	CCONJ
fsr-3236	114	20	2.1	2.1	NUM
fsr-3236	114	21	%	%	NOUN
fsr-3236	114	22	)	)	PUNCT
fsr-3236	114	23	;	;	PUNCT
fsr-3236	114	24	day	day	NOUN
fsr-3236	114	25	-	-	PUNCT
fsr-3236	114	26	to	to	ADP
fsr-3236	114	27	-	-	PUNCT
fsr-3236	114	28	day	day	NOUN
fsr-3236	114	29	matters	matter	NOUN
fsr-3236	114	30	(	(	PUNCT
fsr-3236	114	31	204	204	NUM
fsr-3236	114	32	,	,	PUNCT
fsr-3236	114	33	or	or	CCONJ
fsr-3236	114	34	0.8	0.8	NUM
fsr-3236	114	35	%	%	NOUN
fsr-3236	114	36	)	)	PUNCT
fsr-3236	114	37	;	;	PUNCT
fsr-3236	114	38	and	and	CCONJ
fsr-3236	114	39	math	math	NOUN
fsr-3236	114	40	(	(	PUNCT
fsr-3236	114	41	136	136	NUM
fsr-3236	114	42	,	,	PUNCT
fsr-3236	114	43	or	or	CCONJ
fsr-3236	114	44	0.5	0.5	NUM
fsr-3236	114	45	%	%	NOUN
fsr-3236	114	46	)	)	PUNCT
fsr-3236	114	47	.	.	PUNCT
fsr-3236	115	1	respondent	respondent	NOUN
fsr-3236	115	2	’s	’	VERB
fsr-3236	115	3	that	that	SCONJ
fsr-3236	115	4	“	"	PUNCT
fsr-3236	115	5	prefer	prefer	VERB
fsr-3236	115	6	not	not	PART
fsr-3236	115	7	to	to	PART
fsr-3236	115	8	say	say	VERB
fsr-3236	115	9	”	"	PUNCT
fsr-3236	115	10	for	for	ADP
fsr-3236	115	11	overall	overall	ADJ
fsr-3236	115	12	financial	financial	ADJ
fsr-3236	115	13	knowledge	knowledge	NOUN
fsr-3236	115	14	(	(	PUNCT
fsr-3236	115	15	790	790	NUM
fsr-3236	115	16	,	,	PUNCT
fsr-3236	115	17	or	or	CCONJ
fsr-3236	115	18	3.1	3.1	NUM
fsr-3236	115	19	%	%	NOUN
fsr-3236	115	20	)	)	PUNCT
fsr-3236	115	21	;	;	PUNCT
fsr-3236	115	22	day	day	NOUN
fsr-3236	115	23	-	-	PUNCT
fsr-3236	115	24	to	to	ADP
fsr-3236	115	25	-	-	PUNCT
fsr-3236	115	26	day	day	NOUN
fsr-3236	115	27	matters	matter	NOUN
fsr-3236	115	28	(	(	PUNCT
fsr-3236	115	29	210	210	NUM
fsr-3236	115	30	,	,	PUNCT
fsr-3236	115	31	or	or	CCONJ
fsr-3236	115	32	0.8	0.8	NUM
fsr-3236	115	33	%	%	NOUN
fsr-3236	115	34	)	)	PUNCT
fsr-3236	115	35	;	;	PUNCT
fsr-3236	115	36	and	and	CCONJ
fsr-3236	115	37	math	math	NOUN
fsr-3236	115	38	(	(	PUNCT
fsr-3236	115	39	179	179	NUM
fsr-3236	115	40	,	,	PUNCT
fsr-3236	115	41	or	or	CCONJ
fsr-3236	115	42	0.7	0.7	NUM
fsr-3236	115	43	%	%	NOUN
fsr-3236	115	44	)	)	PUNCT
fsr-3236	115	45	.	.	PUNCT
fsr-3236	116	1	correlations	correlation	NOUN
fsr-3236	116	2	between	between	ADP
fsr-3236	116	3	the	the	DET
fsr-3236	116	4	confidence	confidence	NOUN
fsr-3236	116	5	measures	measure	NOUN
fsr-3236	116	6	of	of	ADP
fsr-3236	116	7	58.2	58.2	NUM
fsr-3236	116	8	%	%	NOUN
fsr-3236	116	9	(	(	PUNCT
fsr-3236	116	10	day	day	NOUN
fsr-3236	116	11	-	-	PUNCT
fsr-3236	116	12	to	to	ADP
fsr-3236	116	13	-	-	PUNCT
fsr-3236	116	14	day	day	NOUN
fsr-3236	116	15	and	and	CCONJ
fsr-3236	116	16	math	math	NOUN
fsr-3236	116	17	)	)	PUNCT
fsr-3236	116	18	,	,	PUNCT
fsr-3236	116	19	41.8	41.8	NUM
fsr-3236	116	20	%	%	NOUN
fsr-3236	116	21	(	(	PUNCT
fsr-3236	116	22	day	day	NOUN
fsr-3236	116	23	-	-	PUNCT
fsr-3236	116	24	to	to	ADP
fsr-3236	116	25	-	-	PUNCT
fsr-3236	116	26	day	day	NOUN
fsr-3236	116	27	and	and	CCONJ
fsr-3236	116	28	overall	overall	ADJ
fsr-3236	116	29	)	)	PUNCT
fsr-3236	116	30	,	,	PUNCT
fsr-3236	116	31	and	and	CCONJ
fsr-3236	116	32	36.0	36.0	NUM
fsr-3236	116	33	%	%	NOUN
fsr-3236	116	34	(	(	PUNCT
fsr-3236	116	35	overall	overall	ADJ
fsr-3236	116	36	and	and	CCONJ
fsr-3236	116	37	math	math	NOUN
fsr-3236	116	38	)	)	PUNCT
fsr-3236	116	39	.	.	PUNCT
fsr-3236	117	1	all	all	DET
fsr-3236	117	2	correlations	correlation	NOUN
fsr-3236	117	3	significant	significant	ADJ
fsr-3236	117	4	at	at	ADP
fsr-3236	117	5	the	the	DET
fsr-3236	117	6	1	1	NUM
fsr-3236	117	7	%	%	NOUN
fsr-3236	117	8	level	level	NOUN
fsr-3236	117	9	.	.	PUNCT
fsr-3236	118	1	an	an	DET
fsr-3236	118	2	average	average	ADJ
fsr-3236	118	3	financial	financial	ADJ
fsr-3236	118	4	confidence	confidence	NOUN
fsr-3236	118	5	measure	measure	NOUN
fsr-3236	118	6	(	(	PUNCT
fsr-3236	118	7	average	average	ADJ
fsr-3236	118	8	)	)	PUNCT
fsr-3236	118	9	is	be	AUX
fsr-3236	118	10	also	also	ADV
fsr-3236	118	11	created	create	VERB
fsr-3236	118	12	and	and	CCONJ
fsr-3236	118	13	represents	represent	VERB
fsr-3236	118	14	the	the	DET
fsr-3236	118	15	average	average	NOUN
fsr-3236	118	16	of	of	ADP
fsr-3236	118	17	responses	response	NOUN
fsr-3236	118	18	to	to	ADP
fsr-3236	118	19	the	the	DET
fsr-3236	118	20	three	three	NUM
fsr-3236	118	21	confidence	confidence	NOUN
fsr-3236	118	22	questions	question	NOUN
fsr-3236	118	23	(	(	PUNCT
fsr-3236	118	24	overall	overall	ADJ
fsr-3236	118	25	,	,	PUNCT
fsr-3236	118	26	day	day	NOUN
fsr-3236	118	27	-	-	PUNCT
fsr-3236	118	28	to	to	ADP
fsr-3236	118	29	-	-	PUNCT
fsr-3236	118	30	day	day	NOUN
fsr-3236	118	31	,	,	PUNCT
fsr-3236	118	32	and	and	CCONJ
fsr-3236	118	33	math	math	NOUN
fsr-3236	118	34	)	)	PUNCT
fsr-3236	118	35	.	.	PUNCT
fsr-3236	119	1	107c.t	107c.t	NUM
fsr-3236	119	2	.	.	PUNCT
fsr-3236	119	3	asaad	asaad	PROPN
fsr-3236	119	4	/	/	SYM
fsr-3236	119	5	financial	financial	ADJ
fsr-3236	119	6	services	service	NOUN
fsr-3236	119	7	review	review	VERB
fsr-3236	119	8	24	24	NUM
fsr-3236	119	9	(	(	PUNCT
fsr-3236	119	10	2015	2015	NUM
fsr-3236	119	11	)	)	PUNCT
fsr-3236	119	12	101–117	101–117	NUM
fsr-3236	119	13	behavior	behavior	NOUN
fsr-3236	119	14	.	.	PUNCT
fsr-3236	120	1	following	follow	VERB
fsr-3236	120	2	their	their	PRON
fsr-3236	120	3	methodology	methodology	NOUN
fsr-3236	120	4	,	,	PUNCT
fsr-3236	120	5	a	a	DET
fsr-3236	120	6	composite	composite	ADJ
fsr-3236	120	7	knowledge	knowledge	NOUN
fsr-3236	120	8	measure	measure	NOUN
fsr-3236	120	9	is	be	AUX
fsr-3236	120	10	created	create	VERB
fsr-3236	120	11	.	.	PUNCT
fsr-3236	121	1	first	first	ADV
fsr-3236	121	2	,	,	PUNCT
fsr-3236	121	3	“	"	PUNCT
fsr-3236	121	4	high	high	ADJ
fsr-3236	121	5	”	"	PUNCT
fsr-3236	121	6	and	and	CCONJ
fsr-3236	121	7	“	"	PUNCT
fsr-3236	121	8	low	low	ADJ
fsr-3236	121	9	”	"	PUNCT
fsr-3236	121	10	groups	group	NOUN
fsr-3236	121	11	are	be	AUX
fsr-3236	121	12	established	establish	VERB
fsr-3236	121	13	for	for	ADP
fsr-3236	121	14	both	both	PRON
fsr-3236	121	15	financial	financial	ADJ
fsr-3236	121	16	knowledge	knowledge	NOUN
fsr-3236	121	17	and	and	CCONJ
fsr-3236	121	18	confidence	confidence	NOUN
fsr-3236	121	19	,	,	PUNCT
fsr-3236	121	20	where	where	SCONJ
fsr-3236	121	21	those	those	DET
fsr-3236	121	22	individuals	individual	NOUN
fsr-3236	121	23	with	with	ADP
fsr-3236	121	24	above	above	ADP
fsr-3236	121	25	average	average	ADJ
fsr-3236	121	26	scores	score	NOUN
fsr-3236	121	27	are	be	AUX
fsr-3236	121	28	categorized	categorize	VERB
fsr-3236	121	29	as	as	ADP
fsr-3236	121	30	“	"	PUNCT
fsr-3236	121	31	high	high	ADJ
fsr-3236	121	32	”	"	PUNCT
fsr-3236	121	33	and	and	CCONJ
fsr-3236	121	34	those	those	DET
fsr-3236	121	35	individuals	individual	NOUN
fsr-3236	121	36	with	with	ADP
fsr-3236	121	37	below	below	ADP
fsr-3236	121	38	average	average	ADJ
fsr-3236	121	39	scores	score	NOUN
fsr-3236	121	40	are	be	AUX
fsr-3236	121	41	categorized	categorize	VERB
fsr-3236	121	42	as	as	ADP
fsr-3236	121	43	“	"	PUNCT
fsr-3236	121	44	low	low	ADJ
fsr-3236	121	45	.	.	PUNCT
fsr-3236	121	46	”4	”4	PUNCT
fsr-3236	122	1	then	then	ADV
fsr-3236	122	2	four	four	NUM
fsr-3236	122	3	additional	additional	ADJ
fsr-3236	122	4	variables	variable	NOUN
fsr-3236	122	5	are	be	AUX
fsr-3236	122	6	created	create	VERB
fsr-3236	122	7	to	to	PART
fsr-3236	122	8	represent	represent	VERB
fsr-3236	122	9	the	the	DET
fsr-3236	122	10	four	four	NUM
fsr-3236	122	11	types	type	NOUN
fsr-3236	122	12	of	of	ADP
fsr-3236	122	13	combined	combine	VERB
fsr-3236	122	14	(	(	PUNCT
fsr-3236	122	15	knowledge	knowledge	NOUN
fsr-3236	122	16	-	-	PUNCT
fsr-3236	122	17	confidence	confidence	NOUN
fsr-3236	122	18	)	)	PUNCT
fsr-3236	122	19	financial	financial	ADJ
fsr-3236	122	20	literacy	literacy	NOUN
fsr-3236	122	21	(	(	PUNCT
fsr-3236	122	22	high	high	ADJ
fsr-3236	122	23	-	-	PUNCT
fsr-3236	122	24	high	high	ADJ
fsr-3236	122	25	,	,	PUNCT
fsr-3236	122	26	high	high	ADJ
fsr-3236	122	27	-	-	PUNCT
fsr-3236	122	28	low	low	ADJ
fsr-3236	122	29	,	,	PUNCT
fsr-3236	122	30	low	low	ADJ
fsr-3236	122	31	-	-	PUNCT
fsr-3236	122	32	high	high	ADJ
fsr-3236	122	33	,	,	PUNCT
fsr-3236	122	34	and	and	CCONJ
fsr-3236	122	35	low	low	ADJ
fsr-3236	122	36	-	-	PUNCT
fsr-3236	122	37	low	low	NOUN
fsr-3236	122	38	)	)	PUNCT
fsr-3236	122	39	.	.	PUNCT
fsr-3236	123	1	about	about	ADV
fsr-3236	123	2	28	28	NUM
fsr-3236	123	3	%	%	NOUN
fsr-3236	123	4	and	and	CCONJ
fsr-3236	123	5	20	20	NUM
fsr-3236	123	6	%	%	NOUN
fsr-3236	123	7	of	of	ADP
fsr-3236	123	8	the	the	DET
fsr-3236	123	9	sample	sample	NOUN
fsr-3236	123	10	are	be	AUX
fsr-3236	123	11	classified	classify	VERB
fsr-3236	123	12	as	as	ADP
fsr-3236	123	13	high	high	ADJ
fsr-3236	123	14	-	-	PUNCT
fsr-3236	123	15	high	high	ADJ
fsr-3236	123	16	and	and	CCONJ
fsr-3236	123	17	low	low	ADJ
fsr-3236	123	18	-	-	PUNCT
fsr-3236	123	19	low	low	ADJ
fsr-3236	123	20	literacy	literacy	NOUN
fsr-3236	123	21	,	,	PUNCT
fsr-3236	123	22	respectively	respectively	ADV
fsr-3236	123	23	.	.	PUNCT
fsr-3236	124	1	approximately	approximately	ADV
fsr-3236	124	2	one	one	NUM
fsr-3236	124	3	-	-	PUNCT
fsr-3236	124	4	third	third	NOUN
fsr-3236	124	5	of	of	ADP
fsr-3236	124	6	the	the	DET
fsr-3236	124	7	sample	sample	NOUN
fsr-3236	124	8	has	have	VERB
fsr-3236	124	9	high	high	ADJ
fsr-3236	124	10	-	-	PUNCT
fsr-3236	124	11	low	low	ADJ
fsr-3236	124	12	literacy	literacy	NOUN
fsr-3236	124	13	and	and	CCONJ
fsr-3236	124	14	about	about	ADV
fsr-3236	124	15	10	10	NUM
fsr-3236	124	16	%	%	NOUN
fsr-3236	124	17	of	of	ADP
fsr-3236	124	18	the	the	DET
fsr-3236	124	19	sample	sample	NOUN
fsr-3236	124	20	is	be	AUX
fsr-3236	124	21	overconfident	overconfident	ADJ
fsr-3236	124	22	(	(	PUNCT
fsr-3236	124	23	low	low	ADJ
fsr-3236	124	24	-	-	PUNCT
fsr-3236	124	25	high	high	ADJ
fsr-3236	124	26	knowledge	knowledge	NOUN
fsr-3236	124	27	)	)	PUNCT
fsr-3236	124	28	.	.	PUNCT
fsr-3236	125	1	3.4	3.4	NUM
fsr-3236	125	2	.	.	PUNCT
fsr-3236	125	3	measuring	measure	VERB
fsr-3236	125	4	financial	financial	ADJ
fsr-3236	125	5	behaviors	behavior	NOUN
fsr-3236	125	6	the	the	DET
fsr-3236	125	7	nfcs	nfcs	PROPN
fsr-3236	125	8	surveys	survey	NOUN
fsr-3236	125	9	numerous	numerous	ADJ
fsr-3236	125	10	financial	financial	ADJ
fsr-3236	125	11	topics	topic	NOUN
fsr-3236	125	12	.	.	PUNCT
fsr-3236	126	1	the	the	DET
fsr-3236	126	2	behaviors	behavior	NOUN
fsr-3236	126	3	considered	consider	VERB
fsr-3236	126	4	in	in	ADP
fsr-3236	126	5	this	this	DET
fsr-3236	126	6	analysis	analysis	NOUN
fsr-3236	126	7	are	be	AUX
fsr-3236	126	8	detailed	detail	VERB
fsr-3236	126	9	in	in	ADP
fsr-3236	126	10	the	the	DET
fsr-3236	126	11	appendix	appendix	NOUN
fsr-3236	126	12	.	.	PUNCT
fsr-3236	127	1	although	although	SCONJ
fsr-3236	127	2	it	it	PRON
fsr-3236	127	3	is	be	AUX
fsr-3236	127	4	not	not	PART
fsr-3236	127	5	appropriate	appropriate	ADJ
fsr-3236	127	6	to	to	PART
fsr-3236	127	7	label	label	VERB
fsr-3236	127	8	financial	financial	ADJ
fsr-3236	127	9	behaviors	behavior	NOUN
fsr-3236	127	10	with	with	ADP
fsr-3236	127	11	normative	normative	ADJ
fsr-3236	127	12	values	value	NOUN
fsr-3236	127	13	(	(	PUNCT
fsr-3236	127	14	e.g.	e.g.	ADV
fsr-3236	127	15	,	,	PUNCT
fsr-3236	127	16	“	"	PUNCT
fsr-3236	127	17	good	good	ADJ
fsr-3236	127	18	”	"	PUNCT
fsr-3236	127	19	and	and	CCONJ
fsr-3236	127	20	“	"	PUNCT
fsr-3236	127	21	bad	bad	ADJ
fsr-3236	127	22	”	"	PUNCT
fsr-3236	127	23	behaviors	behavior	NOUN
fsr-3236	127	24	ultimately	ultimately	ADV
fsr-3236	127	25	depend	depend	VERB
fsr-3236	127	26	on	on	ADP
fsr-3236	127	27	individual	individual	ADJ
fsr-3236	127	28	preferences	preference	NOUN
fsr-3236	127	29	and	and	CCONJ
fsr-3236	127	30	circumstances	circumstance	NOUN
fsr-3236	127	31	)	)	PUNCT
fsr-3236	127	32	,	,	PUNCT
fsr-3236	127	33	it	it	PRON
fsr-3236	127	34	is	be	AUX
fsr-3236	127	35	possible	possible	ADJ
fsr-3236	127	36	to	to	PART
fsr-3236	127	37	discern	discern	VERB
fsr-3236	127	38	whether	whether	SCONJ
fsr-3236	127	39	or	or	CCONJ
fsr-3236	127	40	not	not	PART
fsr-3236	127	41	an	an	DET
fsr-3236	127	42	individual	individual	NOUN
fsr-3236	127	43	is	be	AUX
fsr-3236	127	44	engaging	engage	VERB
fsr-3236	127	45	in	in	ADP
fsr-3236	127	46	a	a	DET
fsr-3236	127	47	“	"	PUNCT
fsr-3236	127	48	good	good	ADJ
fsr-3236	127	49	”	"	PUNCT
fsr-3236	127	50	or	or	CCONJ
fsr-3236	127	51	“	"	PUNCT
fsr-3236	127	52	recommended	recommend	VERB
fsr-3236	127	53	”	"	PUNCT
fsr-3236	127	54	financial	financial	ADJ
fsr-3236	127	55	practice	practice	NOUN
fsr-3236	127	56	.	.	PUNCT
fsr-3236	128	1	for	for	ADP
fsr-3236	128	2	example	example	NOUN
fsr-3236	128	3	,	,	PUNCT
fsr-3236	128	4	checking	check	VERB
fsr-3236	128	5	your	your	PRON
fsr-3236	128	6	credit	credit	NOUN
fsr-3236	128	7	rating	rating	NOUN
fsr-3236	128	8	is	be	AUX
fsr-3236	128	9	a	a	DET
fsr-3236	128	10	“	"	PUNCT
fsr-3236	128	11	good	good	ADJ
fsr-3236	128	12	”	"	PUNCT
fsr-3236	128	13	financial	financial	ADJ
fsr-3236	128	14	practice	practice	NOUN
fsr-3236	128	15	while	while	SCONJ
fsr-3236	128	16	being	be	AUX
fsr-3236	128	17	involved	involve	VERB
fsr-3236	128	18	in	in	ADP
fsr-3236	128	19	a	a	DET
fsr-3236	128	20	foreclosure	foreclosure	NOUN
fsr-3236	128	21	process	process	NOUN
fsr-3236	128	22	is	be	AUX
fsr-3236	128	23	a	a	DET
fsr-3236	128	24	“	"	PUNCT
fsr-3236	128	25	bad	bad	ADJ
fsr-3236	128	26	”	"	PUNCT
fsr-3236	128	27	financial	financial	ADJ
fsr-3236	128	28	practice	practice	NOUN
fsr-3236	128	29	.	.	PUNCT
fsr-3236	129	1	applying	apply	VERB
fsr-3236	129	2	goel	goel	PROPN
fsr-3236	129	3	and	and	CCONJ
fsr-3236	129	4	thakor	thakor	PROPN
fsr-3236	129	5	’s	’s	PART
fsr-3236	129	6	(	(	PUNCT
fsr-3236	129	7	2008	2008	NUM
fsr-3236	129	8	)	)	PUNCT
fsr-3236	129	9	theory	theory	NOUN
fsr-3236	129	10	,	,	PUNCT
fsr-3236	129	11	higher	high	ADJ
fsr-3236	129	12	levels	level	NOUN
fsr-3236	129	13	confidence	confidence	NOUN
fsr-3236	129	14	will	will	AUX
fsr-3236	129	15	lead	lead	VERB
fsr-3236	129	16	to	to	ADP
fsr-3236	129	17	“	"	PUNCT
fsr-3236	129	18	better	well	ADJ
fsr-3236	129	19	”	"	PUNCT
fsr-3236	129	20	financial	financial	ADJ
fsr-3236	129	21	decisions	decision	NOUN
fsr-3236	129	22	,	,	PUNCT
fsr-3236	129	23	except	except	SCONJ
fsr-3236	129	24	in	in	ADP
fsr-3236	129	25	the	the	DET
fsr-3236	129	26	riskiest	risky	ADJ
fsr-3236	129	27	of	of	ADP
fsr-3236	129	28	circumstances	circumstance	NOUN
fsr-3236	129	29	.	.	PUNCT
fsr-3236	130	1	financial	financial	ADJ
fsr-3236	130	2	behaviors	behavior	NOUN
fsr-3236	130	3	classified	classify	VERB
fsr-3236	130	4	as	as	ADP
fsr-3236	130	5	“	"	PUNCT
fsr-3236	130	6	risky	risky	ADJ
fsr-3236	130	7	”	"	PUNCT
fsr-3236	130	8	are	be	AUX
fsr-3236	130	9	costly	costly	ADJ
fsr-3236	130	10	behaviors	behavior	NOUN
fsr-3236	130	11	that	that	PRON
fsr-3236	130	12	are	be	AUX
fsr-3236	130	13	riskier	risky	ADJ
fsr-3236	130	14	and	and	CCONJ
fsr-3236	130	15	pricier	pricy	ADJ
fsr-3236	130	16	than	than	ADP
fsr-3236	130	17	other	other	ADJ
fsr-3236	130	18	short	short	ADJ
fsr-3236	130	19	-	-	PUNCT
fsr-3236	130	20	term	term	NOUN
fsr-3236	130	21	loan	loan	NOUN
fsr-3236	130	22	alternatives	alternative	NOUN
fsr-3236	130	23	,	,	PUNCT
fsr-3236	130	24	including	include	VERB
fsr-3236	130	25	:	:	PUNCT
fsr-3236	130	26	taking	take	VERB
fsr-3236	130	27	out	out	ADP
fsr-3236	130	28	an	an	DET
fsr-3236	130	29	auto	auto	NOUN
fsr-3236	130	30	title	title	NOUN
fsr-3236	130	31	loan	loan	NOUN
fsr-3236	130	32	;	;	PUNCT
fsr-3236	130	33	taking	take	VERB
fsr-3236	130	34	out	out	ADP
fsr-3236	130	35	a	a	DET
fsr-3236	130	36	short	short	ADJ
fsr-3236	130	37	-	-	PUNCT
fsr-3236	130	38	term	term	NOUN
fsr-3236	130	39	payday	payday	NOUN
fsr-3236	130	40	loan	loan	NOUN
fsr-3236	130	41	;	;	PUNCT
fsr-3236	130	42	receiving	receive	VERB
fsr-3236	130	43	a	a	DET
fsr-3236	130	44	tax	tax	NOUN
fsr-3236	130	45	advance	advance	NOUN
fsr-3236	130	46	on	on	ADP
fsr-3236	130	47	a	a	DET
fsr-3236	130	48	refund	refund	NOUN
fsr-3236	130	49	;	;	PUNCT
fsr-3236	130	50	using	use	VERB
fsr-3236	130	51	a	a	DET
fsr-3236	130	52	pawn	pawn	NOUN
fsr-3236	130	53	shop	shop	NOUN
fsr-3236	130	54	;	;	PUNCT
fsr-3236	130	55	and	and	CCONJ
fsr-3236	130	56	using	use	VERB
fsr-3236	130	57	a	a	DET
fsr-3236	130	58	rent	rent	NOUN
fsr-3236	130	59	-	-	PUNCT
fsr-3236	130	60	to	to	ADP
fsr-3236	130	61	-	-	PUNCT
fsr-3236	130	62	own	own	ADJ
fsr-3236	130	63	facility	facility	NOUN
fsr-3236	130	64	.	.	PUNCT
fsr-3236	131	1	if	if	SCONJ
fsr-3236	131	2	overconfident	overconfident	ADJ
fsr-3236	131	3	individuals	individual	NOUN
fsr-3236	131	4	underestimate	underestimate	VERB
fsr-3236	131	5	risk	risk	NOUN
fsr-3236	131	6	,	,	PUNCT
fsr-3236	131	7	they	they	PRON
fsr-3236	131	8	will	will	AUX
fsr-3236	131	9	be	be	AUX
fsr-3236	131	10	more	more	ADV
fsr-3236	131	11	likely	likely	ADJ
fsr-3236	131	12	than	than	ADP
fsr-3236	131	13	other	other	ADJ
fsr-3236	131	14	groups	group	NOUN
fsr-3236	131	15	to	to	PART
fsr-3236	131	16	engage	engage	VERB
fsr-3236	131	17	in	in	ADP
fsr-3236	131	18	these	these	DET
fsr-3236	131	19	costly	costly	ADJ
fsr-3236	131	20	behaviors	behavior	NOUN
fsr-3236	131	21	that	that	PRON
fsr-3236	131	22	jeopardize	jeopardize	VERB
fsr-3236	131	23	their	their	PRON
fsr-3236	131	24	resources	resource	NOUN
fsr-3236	131	25	.	.	PUNCT
fsr-3236	132	1	4	4	X
fsr-3236	132	2	.	.	NOUN
fsr-3236	132	3	results	result	VERB
fsr-3236	132	4	logistic	logistic	ADJ
fsr-3236	132	5	regressions	regression	NOUN
fsr-3236	132	6	explore	explore	VERB
fsr-3236	132	7	how	how	SCONJ
fsr-3236	132	8	the	the	DET
fsr-3236	132	9	two	two	NUM
fsr-3236	132	10	components	component	NOUN
fsr-3236	132	11	of	of	ADP
fsr-3236	132	12	financial	financial	ADJ
fsr-3236	132	13	literacy	literacy	NOUN
fsr-3236	132	14	influence	influence	NOUN
fsr-3236	132	15	financial	financial	ADJ
fsr-3236	132	16	behaviors	behavior	NOUN
fsr-3236	132	17	.	.	PUNCT
fsr-3236	133	1	in	in	ADP
fsr-3236	133	2	logistic	logistic	ADJ
fsr-3236	133	3	regressions	regression	NOUN
fsr-3236	133	4	,	,	PUNCT
fsr-3236	133	5	the	the	DET
fsr-3236	133	6	dependent	dependent	ADJ
fsr-3236	133	7	variable	variable	NOUN
fsr-3236	133	8	is	be	AUX
fsr-3236	133	9	a	a	DET
fsr-3236	133	10	binary	binary	ADJ
fsr-3236	133	11	variable	variable	NOUN
fsr-3236	133	12	and	and	CCONJ
fsr-3236	133	13	the	the	DET
fsr-3236	133	14	models	model	NOUN
fsr-3236	133	15	attempt	attempt	VERB
fsr-3236	133	16	to	to	PART
fsr-3236	133	17	predict	predict	VERB
fsr-3236	133	18	whether	whether	SCONJ
fsr-3236	133	19	or	or	CCONJ
fsr-3236	133	20	not	not	PART
fsr-3236	133	21	an	an	DET
fsr-3236	133	22	individual	individual	NOUN
fsr-3236	133	23	engages	engage	VERB
fsr-3236	133	24	in	in	ADP
fsr-3236	133	25	a	a	DET
fsr-3236	133	26	specific	specific	ADJ
fsr-3236	133	27	type	type	NOUN
fsr-3236	133	28	of	of	ADP
fsr-3236	133	29	financial	financial	ADJ
fsr-3236	133	30	behavior	behavior	NOUN
fsr-3236	133	31	.	.	PUNCT
fsr-3236	134	1	the	the	DET
fsr-3236	134	2	�	�	PROPN
fsr-3236	134	3	coefficients	coefficient	NOUN
fsr-3236	134	4	are	be	AUX
fsr-3236	134	5	difficult	difficult	ADJ
fsr-3236	134	6	to	to	PART
fsr-3236	134	7	interpret	interpret	VERB
fsr-3236	134	8	;	;	PUNCT
fsr-3236	134	9	therefore	therefore	ADV
fsr-3236	134	10	,	,	PUNCT
fsr-3236	134	11	the	the	DET
fsr-3236	134	12	odds	odd	NOUN
fsr-3236	134	13	ratio	ratio	NOUN
fsr-3236	134	14	,	,	PUNCT
fsr-3236	134	15	a	a	DET
fsr-3236	134	16	more	more	ADV
fsr-3236	134	17	useful	useful	ADJ
fsr-3236	134	18	measure	measure	NOUN
fsr-3236	134	19	of	of	ADP
fsr-3236	134	20	effect	effect	NOUN
fsr-3236	134	21	size	size	NOUN
fsr-3236	134	22	,	,	PUNCT
fsr-3236	134	23	is	be	AUX
fsr-3236	134	24	reported	report	VERB
fsr-3236	134	25	.	.	PUNCT
fsr-3236	135	1	the	the	DET
fsr-3236	135	2	measure	measure	NOUN
fsr-3236	135	3	is	be	AUX
fsr-3236	135	4	the	the	DET
fsr-3236	135	5	ratio	ratio	NOUN
fsr-3236	135	6	of	of	ADP
fsr-3236	135	7	the	the	DET
fsr-3236	135	8	likelihood	likelihood	NOUN
fsr-3236	135	9	of	of	ADP
fsr-3236	135	10	an	an	DET
fsr-3236	135	11	event	event	NOUN
fsr-3236	135	12	occurring	occur	VERB
fsr-3236	135	13	in	in	ADP
fsr-3236	135	14	one	one	NUM
fsr-3236	135	15	group	group	NOUN
fsr-3236	135	16	to	to	ADP
fsr-3236	135	17	the	the	DET
fsr-3236	135	18	likelihood	likelihood	NOUN
fsr-3236	135	19	of	of	ADP
fsr-3236	135	20	the	the	DET
fsr-3236	135	21	same	same	ADJ
fsr-3236	135	22	event	event	NOUN
fsr-3236	135	23	occurring	occur	VERB
fsr-3236	135	24	in	in	ADP
fsr-3236	135	25	another	another	DET
fsr-3236	135	26	group	group	NOUN
fsr-3236	135	27	.	.	PUNCT
fsr-3236	136	1	in	in	ADP
fsr-3236	136	2	addition	addition	NOUN
fsr-3236	136	3	to	to	ADP
fsr-3236	136	4	the	the	DET
fsr-3236	136	5	four	four	NUM
fsr-3236	136	6	financial	financial	ADJ
fsr-3236	136	7	knowledge	knowledge	NOUN
fsr-3236	136	8	groups	group	NOUN
fsr-3236	136	9	,	,	PUNCT
fsr-3236	136	10	several	several	ADJ
fsr-3236	136	11	other	other	ADJ
fsr-3236	136	12	demographic	demographic	ADJ
fsr-3236	136	13	factors	factor	NOUN
fsr-3236	136	14	are	be	AUX
fsr-3236	136	15	considered	consider	VERB
fsr-3236	136	16	(	(	PUNCT
fsr-3236	136	17	almost	almost	ADV
fsr-3236	136	18	all	all	PRON
fsr-3236	136	19	of	of	ADP
fsr-3236	136	20	which	which	PRON
fsr-3236	136	21	are	be	AUX
fsr-3236	136	22	dummy	dummy	ADJ
fsr-3236	136	23	variables	variable	NOUN
fsr-3236	136	24	)	)	PUNCT
fsr-3236	136	25	,	,	PUNCT
fsr-3236	136	26	including	include	VERB
fsr-3236	136	27	:	:	PUNCT
fsr-3236	136	28	gender	gender	NOUN
fsr-3236	136	29	(	(	PUNCT
fsr-3236	136	30	female	female	ADJ
fsr-3236	136	31	�	�	PROPN
fsr-3236	136	32	1	1	NUM
fsr-3236	136	33	)	)	PUNCT
fsr-3236	136	34	;	;	PUNCT
fsr-3236	136	35	age	age	NOUN
fsr-3236	136	36	(	(	PUNCT
fsr-3236	136	37	18–24	18–24	NUM
fsr-3236	136	38	,	,	PUNCT
fsr-3236	136	39	24–34	24–34	NUM
fsr-3236	136	40	,	,	PUNCT
fsr-3236	136	41	35–44	35–44	NUM
fsr-3236	136	42	,	,	PUNCT
fsr-3236	136	43	45–54	45–54	NUM
fsr-3236	136	44	,	,	PUNCT
fsr-3236	136	45	55–64	55–64	NUM
fsr-3236	136	46	,	,	PUNCT
fsr-3236	136	47	or	or	CCONJ
fsr-3236	136	48	65	65	NUM
fsr-3236	136	49	�	�	NOUN
fsr-3236	136	50	)	)	PUNCT
fsr-3236	136	51	;	;	PUNCT
fsr-3236	136	52	race	race	NOUN
fsr-3236	136	53	(	(	PUNCT
fsr-3236	136	54	non	non	ADJ
fsr-3236	136	55	-	-	ADJ
fsr-3236	136	56	white	white	ADJ
fsr-3236	136	57	�	�	PROPN
fsr-3236	136	58	1	1	NUM
fsr-3236	136	59	)	)	PUNCT
fsr-3236	136	60	;	;	PUNCT
fsr-3236	136	61	education	education	NOUN
fsr-3236	136	62	(	(	PUNCT
fsr-3236	136	63	�	�	PROPN
fsr-3236	136	64	high	high	ADJ
fsr-3236	136	65	school	school	NOUN
fsr-3236	136	66	,	,	PUNCT
fsr-3236	136	67	ged	ge	VERB
fsr-3236	136	68	,	,	PUNCT
fsr-3236	136	69	high	high	ADJ
fsr-3236	136	70	school	school	NOUN
fsr-3236	136	71	graduate	graduate	NOUN
fsr-3236	136	72	only	only	ADV
fsr-3236	136	73	,	,	PUNCT
fsr-3236	136	74	some	some	DET
fsr-3236	136	75	college	college	NOUN
fsr-3236	136	76	,	,	PUNCT
fsr-3236	136	77	college	college	NOUN
fsr-3236	136	78	graduate	graduate	NOUN
fsr-3236	136	79	only	only	ADV
fsr-3236	136	80	,	,	PUNCT
fsr-3236	136	81	or	or	CCONJ
fsr-3236	136	82	postgraduate	postgraduate	NOUN
fsr-3236	136	83	)	)	PUNCT
fsr-3236	136	84	;	;	PUNCT
fsr-3236	136	85	employment	employment	NOUN
fsr-3236	136	86	status	status	NOUN
fsr-3236	136	87	(	(	PUNCT
fsr-3236	136	88	self	self	NOUN
fsr-3236	136	89	-	-	PUNCT
fsr-3236	136	90	employed	employ	VERB
fsr-3236	136	91	,	,	PUNCT
fsr-3236	136	92	full	full	ADJ
fsr-3236	136	93	-	-	PUNCT
fsr-3236	136	94	time	time	NOUN
fsr-3236	136	95	,	,	PUNCT
fsr-3236	136	96	part	part	NOUN
fsr-3236	136	97	-	-	PUNCT
fsr-3236	136	98	time	time	NOUN
fsr-3236	136	99	,	,	PUNCT
fsr-3236	136	100	homemaker	homemaker	NOUN
fsr-3236	136	101	,	,	PUNCT
fsr-3236	136	102	student	student	NOUN
fsr-3236	136	103	,	,	PUNCT
fsr-3236	136	104	unable	unable	ADJ
fsr-3236	136	105	,	,	PUNCT
fsr-3236	136	106	unemployed	unemployed	ADJ
fsr-3236	136	107	,	,	PUNCT
fsr-3236	136	108	or	or	CCONJ
fsr-3236	136	109	retired	retire	VERB
fsr-3236	136	110	)	)	PUNCT
fsr-3236	136	111	;	;	PUNCT
fsr-3236	136	112	marital	marital	ADJ
fsr-3236	136	113	status	status	NOUN
fsr-3236	136	114	(	(	PUNCT
fsr-3236	136	115	single	single	ADJ
fsr-3236	136	116	,	,	PUNCT
fsr-3236	136	117	married	married	ADJ
fsr-3236	136	118	,	,	PUNCT
fsr-3236	136	119	divorced	divorced	ADJ
fsr-3236	136	120	or	or	CCONJ
fsr-3236	136	121	separated	separate	VERB
fsr-3236	136	122	,	,	PUNCT
fsr-3236	136	123	or	or	CCONJ
fsr-3236	136	124	widowed	widow	VERB
fsr-3236	136	125	or	or	CCONJ
fsr-3236	136	126	widower	widower	NOUN
fsr-3236	136	127	)	)	PUNCT
fsr-3236	136	128	;	;	PUNCT
fsr-3236	136	129	dependent	dependent	ADJ
fsr-3236	136	130	children	child	NOUN
fsr-3236	136	131	(	(	PUNCT
fsr-3236	136	132	no	no	DET
fsr-3236	136	133	children	child	NOUN
fsr-3236	136	134	or	or	CCONJ
fsr-3236	136	135	dependent	dependent	ADJ
fsr-3236	136	136	children	child	NOUN
fsr-3236	136	137	,	,	PUNCT
fsr-3236	136	138	one	one	NUM
fsr-3236	136	139	child	child	NOUN
fsr-3236	136	140	,	,	PUNCT
fsr-3236	136	141	two	two	NUM
fsr-3236	136	142	children	child	NOUN
fsr-3236	136	143	,	,	PUNCT
fsr-3236	136	144	or	or	CCONJ
fsr-3236	136	145	three	three	NUM
fsr-3236	136	146	or	or	CCONJ
fsr-3236	136	147	more	more	ADJ
fsr-3236	136	148	children	child	NOUN
fsr-3236	136	149	)	)	PUNCT
fsr-3236	136	150	;	;	PUNCT
fsr-3236	136	151	annual	annual	ADJ
fsr-3236	136	152	income	income	NOUN
fsr-3236	136	153	(	(	PUNCT
fsr-3236	136	154	less	less	ADJ
fsr-3236	136	155	than	than	ADP
fsr-3236	136	156	$	$	SYM
fsr-3236	136	157	15k	15k	NOUN
fsr-3236	136	158	,	,	PUNCT
fsr-3236	136	159	$	$	SYM
fsr-3236	136	160	15–25	15–25	NUM
fsr-3236	136	161	,	,	PUNCT
fsr-3236	136	162	$	$	SYM
fsr-3236	136	163	25–35	25–35	NUM
fsr-3236	136	164	,	,	PUNCT
fsr-3236	136	165	$	$	SYM
fsr-3236	136	166	35–50	35–50	NUM
fsr-3236	136	167	,	,	PUNCT
fsr-3236	136	168	$	$	SYM
fsr-3236	136	169	50–75	50–75	NUM
fsr-3236	136	170	,	,	PUNCT
fsr-3236	136	171	$	$	SYM
fsr-3236	136	172	75–100	75–100	NUM
fsr-3236	136	173	,	,	PUNCT
fsr-3236	136	174	$	$	SYM
fsr-3236	136	175	100–150	100–150	NUM
fsr-3236	136	176	,	,	PUNCT
fsr-3236	136	177	or	or	CCONJ
fsr-3236	136	178	$	$	SYM
fsr-3236	136	179	150k	150k	NUM
fsr-3236	136	180	or	or	CCONJ
fsr-3236	136	181	more	more	ADJ
fsr-3236	136	182	)	)	PUNCT
fsr-3236	136	183	;	;	PUNCT
fsr-3236	136	184	income	income	NOUN
fsr-3236	136	185	-	-	PUNCT
fsr-3236	136	186	drop	drop	NOUN
fsr-3236	136	187	(	(	PUNCT
fsr-3236	136	188	�	�	NOUN
fsr-3236	136	189	1	1	NUM
fsr-3236	136	190	if	if	SCONJ
fsr-3236	136	191	“	"	PUNCT
fsr-3236	136	192	experienced	experience	VERB
fsr-3236	136	193	a	a	DET
fsr-3236	136	194	large	large	ADJ
fsr-3236	136	195	108	108	NUM
fsr-3236	136	196	c.t	c.t	PROPN
fsr-3236	136	197	.	.	PROPN
fsr-3236	136	198	asaad	asaad	PROPN
fsr-3236	136	199	/	/	SYM
fsr-3236	136	200	financial	financial	ADJ
fsr-3236	136	201	services	service	NOUN
fsr-3236	136	202	review	review	VERB
fsr-3236	136	203	24	24	NUM
fsr-3236	136	204	(	(	PUNCT
fsr-3236	136	205	2015	2015	NUM
fsr-3236	136	206	)	)	PUNCT
fsr-3236	136	207	101–117	101–117	NUM
fsr-3236	136	208	drop	drop	NOUN
fsr-3236	136	209	in	in	ADP
fsr-3236	136	210	income	income	NOUN
fsr-3236	136	211	which	which	PRON
fsr-3236	136	212	you	you	PRON
fsr-3236	136	213	did	do	AUX
fsr-3236	136	214	not	not	PART
fsr-3236	136	215	expect	expect	VERB
fsr-3236	136	216	”	"	PUNCT
fsr-3236	136	217	in	in	ADP
fsr-3236	136	218	the	the	DET
fsr-3236	136	219	past	past	ADJ
fsr-3236	136	220	12	12	NUM
fsr-3236	136	221	months	month	NOUN
fsr-3236	136	222	)	)	PUNCT
fsr-3236	136	223	;	;	PUNCT
fsr-3236	136	224	and	and	CCONJ
fsr-3236	136	225	risk	risk	NOUN
fsr-3236	136	226	tolerance	tolerance	NOUN
fsr-3236	136	227	(	(	PUNCT
fsr-3236	136	228	scale	scale	NOUN
fsr-3236	136	229	from	from	ADP
fsr-3236	136	230	1	1	NUM
fsr-3236	136	231	to	to	PART
fsr-3236	136	232	10	10	NUM
fsr-3236	136	233	whereby	whereby	SCONJ
fsr-3236	136	234	1	1	NUM
fsr-3236	136	235	means	mean	VERB
fsr-3236	136	236	“	"	PUNCT
fsr-3236	136	237	not	not	PART
fsr-3236	136	238	at	at	ADV
fsr-3236	136	239	all	all	ADV
fsr-3236	136	240	willing	willing	ADJ
fsr-3236	136	241	”	"	PUNCT
fsr-3236	136	242	to	to	PART
fsr-3236	136	243	take	take	VERB
fsr-3236	136	244	risks	risk	NOUN
fsr-3236	136	245	with	with	ADP
fsr-3236	136	246	financial	financial	ADJ
fsr-3236	136	247	investments	investment	NOUN
fsr-3236	136	248	and	and	CCONJ
fsr-3236	136	249	10	10	NUM
fsr-3236	136	250	means	mean	VERB
fsr-3236	136	251	“	"	PUNCT
fsr-3236	136	252	very	very	ADV
fsr-3236	136	253	willing	willing	ADJ
fsr-3236	136	254	”	"	PUNCT
fsr-3236	136	255	)	)	PUNCT
fsr-3236	136	256	.	.	PUNCT
fsr-3236	137	1	the	the	DET
fsr-3236	137	2	use	use	NOUN
fsr-3236	137	3	of	of	ADP
fsr-3236	137	4	these	these	DET
fsr-3236	137	5	demographic	demographic	ADJ
fsr-3236	137	6	controls	control	NOUN
fsr-3236	137	7	is	be	AUX
fsr-3236	137	8	established	establish	VERB
fsr-3236	137	9	in	in	ADP
fsr-3236	137	10	the	the	DET
fsr-3236	137	11	literature	literature	NOUN
fsr-3236	137	12	(	(	PUNCT
fsr-3236	137	13	e.g.	e.g.	ADV
fsr-3236	137	14	,	,	PUNCT
fsr-3236	137	15	see	see	VERB
fsr-3236	137	16	allgood	allgood	NOUN
fsr-3236	137	17	and	and	CCONJ
fsr-3236	137	18	walstad	walstad	NOUN
fsr-3236	137	19	,	,	PUNCT
fsr-3236	137	20	2013	2013	NUM
fsr-3236	137	21	or	or	CCONJ
fsr-3236	137	22	lusardi	lusardi	PROPN
fsr-3236	137	23	and	and	CCONJ
fsr-3236	137	24	mitchell	mitchell	PROPN
fsr-3236	137	25	,	,	PUNCT
fsr-3236	137	26	2011	2011	NUM
fsr-3236	137	27	)	)	PUNCT
fsr-3236	137	28	.	.	PUNCT
fsr-3236	138	1	unless	unless	SCONJ
fsr-3236	138	2	otherwise	otherwise	ADV
fsr-3236	138	3	noted	note	VERB
fsr-3236	138	4	,	,	PUNCT
fsr-3236	138	5	the	the	DET
fsr-3236	138	6	omitted	omit	VERB
fsr-3236	138	7	variables	variable	NOUN
fsr-3236	138	8	are	be	AUX
fsr-3236	138	9	:	:	PUNCT
fsr-3236	138	10	the	the	DET
fsr-3236	138	11	low	low	ADJ
fsr-3236	138	12	-	-	PUNCT
fsr-3236	138	13	low	low	NOUN
fsr-3236	138	14	group	group	NOUN
fsr-3236	138	15	,	,	PUNCT
fsr-3236	138	16	18–24	18–24	NUM
fsr-3236	138	17	age	age	NOUN
fsr-3236	138	18	group	group	NOUN
fsr-3236	138	19	,	,	PUNCT
fsr-3236	138	20	college	college	NOUN
fsr-3236	138	21	graduate	graduate	NOUN
fsr-3236	138	22	,	,	PUNCT
fsr-3236	138	23	full	full	ADJ
fsr-3236	138	24	-	-	PUNCT
fsr-3236	138	25	time	time	NOUN
fsr-3236	138	26	employment	employment	NOUN
fsr-3236	138	27	,	,	PUNCT
fsr-3236	138	28	married	marry	VERB
fsr-3236	138	29	,	,	PUNCT
fsr-3236	138	30	no	no	DET
fsr-3236	138	31	dependent	dependent	ADJ
fsr-3236	138	32	children	child	NOUN
fsr-3236	138	33	,	,	PUNCT
fsr-3236	138	34	and	and	CCONJ
fsr-3236	138	35	annual	annual	ADJ
fsr-3236	138	36	income	income	NOUN
fsr-3236	138	37	of	of	ADP
fsr-3236	138	38	at	at	ADV
fsr-3236	138	39	least	least	ADV
fsr-3236	138	40	$	$	SYM
fsr-3236	138	41	50,000	50,000	NUM
fsr-3236	138	42	but	but	CCONJ
fsr-3236	138	43	less	less	ADJ
fsr-3236	138	44	than	than	ADP
fsr-3236	138	45	$	$	SYM
fsr-3236	138	46	75,000	75,000	NUM
fsr-3236	138	47	.	.	PUNCT
fsr-3236	139	1	all	all	DET
fsr-3236	139	2	variables	variable	NOUN
fsr-3236	139	3	are	be	AUX
fsr-3236	139	4	interpreted	interpret	VERB
fsr-3236	139	5	in	in	ADP
fsr-3236	139	6	reference	reference	NOUN
fsr-3236	139	7	to	to	ADP
fsr-3236	139	8	these	these	DET
fsr-3236	139	9	groups	group	NOUN
fsr-3236	139	10	.	.	PUNCT
fsr-3236	140	1	4.1	4.1	NUM
fsr-3236	140	2	.	.	PUNCT
fsr-3236	140	3	predicting	predict	VERB
fsr-3236	140	4	financial	financial	ADJ
fsr-3236	140	5	behaviors	behavior	NOUN
fsr-3236	140	6	in	in	ADP
fsr-3236	140	7	table	table	NOUN
fsr-3236	140	8	4	4	NUM
fsr-3236	140	9	,	,	PUNCT
fsr-3236	140	10	financial	financial	ADJ
fsr-3236	140	11	knowledge	knowledge	NOUN
fsr-3236	140	12	and	and	CCONJ
fsr-3236	140	13	confidence	confidence	NOUN
fsr-3236	140	14	are	be	AUX
fsr-3236	140	15	both	both	PRON
fsr-3236	140	16	statistically	statistically	ADV
fsr-3236	140	17	significant	significant	ADJ
fsr-3236	140	18	predictors	predictor	NOUN
fsr-3236	140	19	of	of	ADP
fsr-3236	140	20	financial	financial	ADJ
fsr-3236	140	21	behavior	behavior	NOUN
fsr-3236	140	22	.	.	PUNCT
fsr-3236	141	1	because	because	SCONJ
fsr-3236	141	2	the	the	DET
fsr-3236	141	3	omitted	omit	VERB
fsr-3236	141	4	variable	variable	NOUN
fsr-3236	141	5	is	be	AUX
fsr-3236	141	6	the	the	DET
fsr-3236	141	7	low	low	ADJ
fsr-3236	141	8	-	-	PUNCT
fsr-3236	141	9	low	low	NOUN
fsr-3236	141	10	group	group	NOUN
fsr-3236	141	11	,	,	PUNCT
fsr-3236	141	12	interpreting	interpret	VERB
fsr-3236	141	13	the	the	DET
fsr-3236	141	14	odds	odd	NOUN
fsr-3236	141	15	ratio	ratio	NOUN
fsr-3236	141	16	of	of	ADP
fsr-3236	141	17	the	the	DET
fsr-3236	141	18	low	low	ADJ
fsr-3236	141	19	knowledge	knowledge	NOUN
fsr-3236	141	20	and	and	CCONJ
fsr-3236	141	21	high	high	ADJ
fsr-3236	141	22	confidence	confidence	NOUN
fsr-3236	141	23	group	group	NOUN
fsr-3236	141	24	reflects	reflect	VERB
fsr-3236	141	25	a	a	DET
fsr-3236	141	26	difference	difference	NOUN
fsr-3236	141	27	in	in	ADP
fsr-3236	141	28	confidence	confidence	NOUN
fsr-3236	141	29	,	,	PUNCT
fsr-3236	141	30	and	and	CCONJ
fsr-3236	141	31	interpreting	interpret	VERB
fsr-3236	141	32	the	the	DET
fsr-3236	141	33	odds	odd	NOUN
fsr-3236	141	34	ratio	ratio	NOUN
fsr-3236	141	35	of	of	ADP
fsr-3236	141	36	the	the	DET
fsr-3236	141	37	high	high	ADJ
fsr-3236	141	38	knowledge	knowledge	NOUN
fsr-3236	141	39	and	and	CCONJ
fsr-3236	141	40	low	low	ADJ
fsr-3236	141	41	confidence	confidence	NOUN
fsr-3236	141	42	group	group	NOUN
fsr-3236	141	43	reflects	reflect	VERB
fsr-3236	141	44	a	a	DET
fsr-3236	141	45	difference	difference	NOUN
fsr-3236	141	46	in	in	ADP
fsr-3236	141	47	actual	actual	ADJ
fsr-3236	141	48	knowledge	knowledge	NOUN
fsr-3236	141	49	.	.	PUNCT
fsr-3236	142	1	for	for	ADP
fsr-3236	142	2	example	example	NOUN
fsr-3236	142	3	,	,	PUNCT
fsr-3236	142	4	those	those	PRON
fsr-3236	142	5	with	with	ADP
fsr-3236	142	6	high	high	ADJ
fsr-3236	142	7	confidence	confidence	NOUN
fsr-3236	142	8	(	(	PUNCT
fsr-3236	142	9	holding	hold	VERB
fsr-3236	142	10	actual	actual	ADJ
fsr-3236	142	11	knowledge	knowledge	NOUN
fsr-3236	142	12	constant	constant	ADJ
fsr-3236	142	13	at	at	ADP
fsr-3236	142	14	a	a	DET
fsr-3236	142	15	low	low	ADJ
fsr-3236	142	16	level	level	NOUN
fsr-3236	142	17	)	)	PUNCT
fsr-3236	142	18	are	be	AUX
fsr-3236	142	19	1.131	1.131	NUM
fsr-3236	142	20	times	time	NOUN
fsr-3236	142	21	more	more	ADV
fsr-3236	142	22	likely	likely	ADJ
fsr-3236	142	23	to	to	PART
fsr-3236	142	24	have	have	AUX
fsr-3236	142	25	obtained	obtain	VERB
fsr-3236	142	26	a	a	DET
fsr-3236	142	27	credit	credit	NOUN
fsr-3236	142	28	report	report	NOUN
fsr-3236	142	29	whereas	whereas	SCONJ
fsr-3236	142	30	those	those	PRON
fsr-3236	142	31	with	with	ADP
fsr-3236	142	32	high	high	ADJ
fsr-3236	142	33	actual	actual	ADJ
fsr-3236	142	34	knowledge	knowledge	NOUN
fsr-3236	142	35	(	(	PUNCT
fsr-3236	142	36	holding	hold	VERB
fsr-3236	142	37	confidence	confidence	NOUN
fsr-3236	142	38	constant	constant	ADJ
fsr-3236	142	39	at	at	ADP
fsr-3236	142	40	a	a	DET
fsr-3236	142	41	low	low	ADJ
fsr-3236	142	42	level	level	NOUN
fsr-3236	142	43	)	)	PUNCT
fsr-3236	142	44	are	be	AUX
fsr-3236	142	45	1.294	1.294	NUM
fsr-3236	142	46	times	time	NOUN
fsr-3236	142	47	more	more	ADV
fsr-3236	142	48	likely	likely	ADJ
fsr-3236	142	49	to	to	PART
fsr-3236	142	50	have	have	AUX
fsr-3236	142	51	obtained	obtain	VERB
fsr-3236	142	52	a	a	DET
fsr-3236	142	53	credit	credit	NOUN
fsr-3236	142	54	report	report	NOUN
fsr-3236	142	55	.	.	PUNCT
fsr-3236	143	1	as	as	ADP
fsr-3236	143	2	a	a	DET
fsr-3236	143	3	robustness	robustness	NOUN
fsr-3236	143	4	check	check	NOUN
fsr-3236	143	5	to	to	PART
fsr-3236	143	6	ensure	ensure	VERB
fsr-3236	143	7	that	that	SCONJ
fsr-3236	143	8	confidence	confidence	NOUN
fsr-3236	143	9	affects	affect	VERB
fsr-3236	143	10	financial	financial	ADJ
fsr-3236	143	11	behaviors	behavior	NOUN
fsr-3236	143	12	regardless	regardless	ADV
fsr-3236	143	13	of	of	ADP
fsr-3236	143	14	the	the	DET
fsr-3236	143	15	level	level	NOUN
fsr-3236	143	16	of	of	ADP
fsr-3236	143	17	actual	actual	ADJ
fsr-3236	143	18	financial	financial	ADJ
fsr-3236	143	19	knowledge	knowledge	NOUN
fsr-3236	143	20	,	,	PUNCT
fsr-3236	143	21	table	table	NOUN
fsr-3236	143	22	5	5	NUM
fsr-3236	143	23	reconsiders	reconsider	VERB
fsr-3236	143	24	the	the	DET
fsr-3236	143	25	regressions	regression	NOUN
fsr-3236	143	26	in	in	ADP
fsr-3236	143	27	table	table	NOUN
fsr-3236	143	28	4	4	NUM
fsr-3236	143	29	.	.	PUNCT
fsr-3236	143	30	instead	instead	ADV
fsr-3236	143	31	of	of	ADP
fsr-3236	143	32	using	use	VERB
fsr-3236	143	33	the	the	DET
fsr-3236	143	34	four	four	NUM
fsr-3236	143	35	knowledge	knowledge	NOUN
fsr-3236	143	36	groups	group	NOUN
fsr-3236	143	37	as	as	ADP
fsr-3236	143	38	predictors	predictor	NOUN
fsr-3236	143	39	,	,	PUNCT
fsr-3236	143	40	continuous	continuous	ADJ
fsr-3236	143	41	variables	variable	NOUN
fsr-3236	143	42	are	be	AUX
fsr-3236	143	43	used	use	VERB
fsr-3236	143	44	to	to	PART
fsr-3236	143	45	measure	measure	VERB
fsr-3236	143	46	knowledge	knowledge	NOUN
fsr-3236	143	47	(	(	PUNCT
fsr-3236	143	48	ranging	range	VERB
fsr-3236	143	49	from	from	ADP
fsr-3236	143	50	0	0	NUM
fsr-3236	143	51	of	of	ADP
fsr-3236	143	52	5	5	NUM
fsr-3236	143	53	questions	question	NOUN
fsr-3236	143	54	correct	correct	ADJ
fsr-3236	143	55	to	to	ADP
fsr-3236	143	56	5	5	NUM
fsr-3236	143	57	of	of	ADP
fsr-3236	143	58	5	5	NUM
fsr-3236	143	59	correct	correct	ADJ
fsr-3236	143	60	)	)	PUNCT
fsr-3236	143	61	and	and	CCONJ
fsr-3236	143	62	confidence	confidence	NOUN
fsr-3236	143	63	table	table	NOUN
fsr-3236	143	64	4	4	NUM
fsr-3236	143	65	financial	financial	ADJ
fsr-3236	143	66	literacy	literacy	NOUN
fsr-3236	143	67	and	and	CCONJ
fsr-3236	143	68	financial	financial	ADJ
fsr-3236	143	69	behavior	behavior	NOUN
fsr-3236	143	70	high	high	ADJ
fsr-3236	143	71	knowledge	knowledge	NOUN
fsr-3236	143	72	,	,	PUNCT
fsr-3236	143	73	high	high	ADJ
fsr-3236	143	74	confidence	confidence	NOUN
fsr-3236	143	75	high	high	ADJ
fsr-3236	143	76	knowledge	knowledge	NOUN
fsr-3236	143	77	,	,	PUNCT
fsr-3236	143	78	low	low	ADJ
fsr-3236	143	79	confidence	confidence	NOUN
fsr-3236	143	80	low	low	ADJ
fsr-3236	143	81	knowledge	knowledge	NOUN
fsr-3236	143	82	,	,	PUNCT
fsr-3236	143	83	high	high	ADJ
fsr-3236	143	84	confidence	confidence	NOUN
fsr-3236	143	85	savings	saving	NOUN
fsr-3236	143	86	and	and	CCONJ
fsr-3236	143	87	borrowing	borrowing	NOUN
fsr-3236	143	88	behaviors	behavior	NOUN
fsr-3236	143	89	calculate	calculate	VERB
fsr-3236	143	90	1.459	1.459	NUM
fsr-3236	143	91	*	*	PUNCT
fsr-3236	143	92	*	*	PUNCT
fsr-3236	143	93	*	*	PUNCT
fsr-3236	144	1	1.350	1.350	NUM
fsr-3236	144	2	*	*	PUNCT
fsr-3236	144	3	*	*	PUNCT
fsr-3236	144	4	*	*	PUNCT
fsr-3236	144	5	1.609	1.609	NUM
fsr-3236	144	6	*	*	PUNCT
fsr-3236	144	7	*	*	PUNCT
fsr-3236	144	8	*	*	PUNCT
fsr-3236	144	9	compare	compare	ADJ
fsr-3236	144	10	credit	credit	NOUN
fsr-3236	144	11	cards	card	NOUN
fsr-3236	144	12	1.205	1.205	NUM
fsr-3236	144	13	*	*	PUNCT
fsr-3236	144	14	*	*	PUNCT
fsr-3236	144	15	*	*	PUNCT
fsr-3236	144	16	1.456	1.456	NUM
fsr-3236	144	17	*	*	PUNCT
fsr-3236	144	18	*	*	PUNCT
fsr-3236	144	19	*	*	PUNCT
fsr-3236	144	20	1.650	1.650	NUM
fsr-3236	144	21	*	*	PUNCT
fsr-3236	144	22	*	*	PUNCT
fsr-3236	144	23	*	*	PUNCT
fsr-3236	144	24	credit	credit	NOUN
fsr-3236	144	25	report	report	NOUN
fsr-3236	144	26	1.329	1.329	NUM
fsr-3236	144	27	*	*	PUNCT
fsr-3236	144	28	*	*	PUNCT
fsr-3236	144	29	*	*	PUNCT
fsr-3236	145	1	1.131	1.131	NUM
fsr-3236	145	2	*	*	X
fsr-3236	145	3	*	*	NOUN
fsr-3236	145	4	1.294	1.294	NUM
fsr-3236	145	5	*	*	PUNCT
fsr-3236	145	6	*	*	PUNCT
fsr-3236	145	7	*	*	PUNCT
fsr-3236	145	8	credit	credit	NOUN
fsr-3236	145	9	score	score	NOUN
fsr-3236	145	10	1.247	1.247	NUM
fsr-3236	145	11	*	*	PUNCT
fsr-3236	145	12	*	*	PUNCT
fsr-3236	145	13	*	*	PUNCT
fsr-3236	145	14	1.218	1.218	NUM
fsr-3236	145	15	*	*	PUNCT
fsr-3236	145	16	*	*	PUNCT
fsr-3236	145	17	*	*	PUNCT
fsr-3236	145	18	1.380	1.380	NUM
fsr-3236	145	19	*	*	PUNCT
fsr-3236	145	20	*	*	PUNCT
fsr-3236	145	21	*	*	PUNCT
fsr-3236	145	22	health	health	NOUN
fsr-3236	145	23	insurance	insurance	NOUN
fsr-3236	145	24	1.055	1.055	NUM
fsr-3236	145	25	*	*	NOUN
fsr-3236	145	26	1.116	1.116	NUM
fsr-3236	145	27	*	*	NUM
fsr-3236	145	28	1.133	1.133	NUM
fsr-3236	145	29	*	*	PUNCT
fsr-3236	145	30	*	*	PUNCT
fsr-3236	145	31	life	life	NOUN
fsr-3236	145	32	insurance	insurance	NOUN
fsr-3236	145	33	1.102	1.102	NUM
fsr-3236	145	34	*	*	PUNCT
fsr-3236	145	35	*	*	PUNCT
fsr-3236	145	36	*	*	PUNCT
fsr-3236	145	37	1.051	1.051	NUM
fsr-3236	145	38	1.215	1.215	NUM
fsr-3236	145	39	*	*	PUNCT
fsr-3236	145	40	*	*	PUNCT
fsr-3236	145	41	*	*	PUNCT
fsr-3236	145	42	investments	investment	NOUN
fsr-3236	145	43	1.429	1.429	NUM
fsr-3236	145	44	*	*	PUNCT
fsr-3236	145	45	*	*	PUNCT
fsr-3236	145	46	*	*	PUNCT
fsr-3236	145	47	1.569	1.569	NUM
fsr-3236	145	48	*	*	PUNCT
fsr-3236	145	49	*	*	PUNCT
fsr-3236	145	50	*	*	PUNCT
fsr-3236	145	51	1.170	1.170	NUM
fsr-3236	145	52	*	*	PUNCT
fsr-3236	145	53	*	*	PUNCT
fsr-3236	145	54	*	*	PUNCT
fsr-3236	145	55	loan	loan	NOUN
fsr-3236	145	56	from	from	ADP
fsr-3236	145	57	retirement	retirement	NOUN
fsr-3236	145	58	account	account	NOUN
fsr-3236	145	59	0.801	0.801	NUM
fsr-3236	145	60	*	*	PUNCT
fsr-3236	145	61	*	*	PUNCT
fsr-3236	145	62	*	*	PUNCT
fsr-3236	145	63	0.724	0.724	NUM
fsr-3236	145	64	*	*	PUNCT
fsr-3236	145	65	*	*	PROPN
fsr-3236	145	66	1.017	1.017	NUM
fsr-3236	145	67	home	home	NOUN
fsr-3236	145	68	equity	equity	NOUN
fsr-3236	145	69	loan	loan	NOUN
fsr-3236	145	70	0.943	0.943	NUM
fsr-3236	145	71	1.176	1.176	NUM
fsr-3236	145	72	1.393	1.393	NUM
fsr-3236	145	73	*	*	PUNCT
fsr-3236	145	74	*	*	PUNCT
fsr-3236	145	75	*	*	NOUN
fsr-3236	145	76	foreclosure	foreclosure	NOUN
fsr-3236	145	77	0.892	0.892	NUM
fsr-3236	145	78	*	*	SYM
fsr-3236	145	79	*	*	X
fsr-3236	145	80	0.846	0.846	NUM
fsr-3236	145	81	1.471	1.471	NUM
fsr-3236	145	82	*	*	PUNCT
fsr-3236	145	83	*	*	PUNCT
fsr-3236	145	84	*	*	PUNCT
fsr-3236	145	85	logistic	logistic	ADJ
fsr-3236	145	86	regressions	regression	NOUN
fsr-3236	145	87	predicting	predict	VERB
fsr-3236	145	88	financial	financial	ADJ
fsr-3236	145	89	behavior	behavior	NOUN
fsr-3236	145	90	whereby	whereby	SCONJ
fsr-3236	145	91	the	the	DET
fsr-3236	145	92	predictor	predictor	NOUN
fsr-3236	145	93	variables	variable	VERB
fsr-3236	145	94	control	control	VERB
fsr-3236	145	95	for	for	ADP
fsr-3236	145	96	gender	gender	NOUN
fsr-3236	145	97	,	,	PUNCT
fsr-3236	145	98	age	age	NOUN
fsr-3236	145	99	,	,	PUNCT
fsr-3236	145	100	education	education	NOUN
fsr-3236	145	101	,	,	PUNCT
fsr-3236	145	102	employment	employment	NOUN
fsr-3236	145	103	status	status	NOUN
fsr-3236	145	104	,	,	PUNCT
fsr-3236	145	105	marital	marital	ADJ
fsr-3236	145	106	status	status	NOUN
fsr-3236	145	107	,	,	PUNCT
fsr-3236	145	108	income	income	NOUN
fsr-3236	145	109	,	,	PUNCT
fsr-3236	145	110	income	income	NOUN
fsr-3236	145	111	-	-	PUNCT
fsr-3236	145	112	drop	drop	NOUN
fsr-3236	145	113	,	,	PUNCT
fsr-3236	145	114	and	and	CCONJ
fsr-3236	145	115	risk	risk	NOUN
fsr-3236	145	116	tolerance	tolerance	NOUN
fsr-3236	145	117	.	.	PUNCT
fsr-3236	146	1	the	the	DET
fsr-3236	146	2	dependent	dependent	ADJ
fsr-3236	146	3	variables	variable	NOUN
fsr-3236	146	4	are	be	AUX
fsr-3236	146	5	listed	list	VERB
fsr-3236	146	6	vertically	vertically	ADV
fsr-3236	146	7	and	and	CCONJ
fsr-3236	146	8	represent	represent	VERB
fsr-3236	146	9	the	the	DET
fsr-3236	146	10	financial	financial	ADJ
fsr-3236	146	11	behaviors	behavior	NOUN
fsr-3236	146	12	(	(	PUNCT
fsr-3236	146	13	0	0	NUM
fsr-3236	146	14	�	�	PROPN
fsr-3236	146	15	did	do	AUX
fsr-3236	146	16	not	not	PART
fsr-3236	146	17	engage	engage	VERB
fsr-3236	146	18	in	in	ADP
fsr-3236	146	19	behavior	behavior	NOUN
fsr-3236	146	20	;	;	PUNCT
fsr-3236	146	21	1	1	NUM
fsr-3236	146	22	�	�	NOUN
fsr-3236	146	23	engaged	engage	VERB
fsr-3236	146	24	in	in	ADP
fsr-3236	146	25	behavior	behavior	NOUN
fsr-3236	146	26	)	)	PUNCT
fsr-3236	146	27	,	,	PUNCT
fsr-3236	146	28	which	which	PRON
fsr-3236	146	29	are	be	AUX
fsr-3236	146	30	detailed	detail	VERB
fsr-3236	146	31	in	in	ADP
fsr-3236	146	32	the	the	DET
fsr-3236	146	33	appendix	appendix	NOUN
fsr-3236	146	34	.	.	PUNCT
fsr-3236	147	1	the	the	DET
fsr-3236	147	2	odds	odd	NOUN
fsr-3236	147	3	ratio	ratio	NOUN
fsr-3236	147	4	for	for	ADP
fsr-3236	147	5	three	three	NUM
fsr-3236	147	6	financial	financial	ADJ
fsr-3236	147	7	knowledge	knowledge	NOUN
fsr-3236	147	8	groups	group	NOUN
fsr-3236	147	9	is	be	AUX
fsr-3236	147	10	reported	report	VERB
fsr-3236	147	11	,	,	PUNCT
fsr-3236	147	12	a	a	DET
fsr-3236	147	13	ratio	ratio	NOUN
fsr-3236	147	14	of	of	ADP
fsr-3236	147	15	the	the	DET
fsr-3236	147	16	likelihood	likelihood	NOUN
fsr-3236	147	17	of	of	ADP
fsr-3236	147	18	an	an	DET
fsr-3236	147	19	event	event	NOUN
fsr-3236	147	20	occurring	occur	VERB
fsr-3236	147	21	in	in	ADP
fsr-3236	147	22	one	one	NUM
fsr-3236	147	23	group	group	NOUN
fsr-3236	147	24	to	to	ADP
fsr-3236	147	25	the	the	DET
fsr-3236	147	26	likelihood	likelihood	NOUN
fsr-3236	147	27	of	of	ADP
fsr-3236	147	28	the	the	DET
fsr-3236	147	29	same	same	ADJ
fsr-3236	147	30	event	event	NOUN
fsr-3236	147	31	occurring	occur	VERB
fsr-3236	147	32	in	in	ADP
fsr-3236	147	33	another	another	DET
fsr-3236	147	34	group	group	NOUN
fsr-3236	147	35	.	.	PUNCT
fsr-3236	148	1	the	the	DET
fsr-3236	148	2	omitted	omit	VERB
fsr-3236	148	3	variable	variable	NOUN
fsr-3236	148	4	is	be	AUX
fsr-3236	148	5	the	the	DET
fsr-3236	148	6	low	low	ADJ
fsr-3236	148	7	actual	actual	ADJ
fsr-3236	148	8	knowledge	knowledge	NOUN
fsr-3236	148	9	and	and	CCONJ
fsr-3236	148	10	low	low	ADJ
fsr-3236	148	11	confidence	confidence	NOUN
fsr-3236	148	12	group	group	NOUN
fsr-3236	148	13	.	.	PUNCT
fsr-3236	149	1	the	the	DET
fsr-3236	149	2	odd	odd	ADJ
fsr-3236	149	3	ratios	ratio	NOUN
fsr-3236	149	4	of	of	ADP
fsr-3236	149	5	the	the	DET
fsr-3236	149	6	three	three	NUM
fsr-3236	149	7	reported	report	VERB
fsr-3236	149	8	knowledge	knowledge	NOUN
fsr-3236	149	9	groups	group	NOUN
fsr-3236	149	10	are	be	AUX
fsr-3236	149	11	interpreted	interpret	VERB
fsr-3236	149	12	in	in	ADP
fsr-3236	149	13	reference	reference	NOUN
fsr-3236	149	14	to	to	ADP
fsr-3236	149	15	this	this	DET
fsr-3236	149	16	omitted	omit	VERB
fsr-3236	149	17	group	group	NOUN
fsr-3236	149	18	.	.	PUNCT
fsr-3236	150	1	the	the	DET
fsr-3236	150	2	results	result	NOUN
fsr-3236	150	3	for	for	ADP
fsr-3236	150	4	the	the	DET
fsr-3236	150	5	control	control	NOUN
fsr-3236	150	6	variables	variable	NOUN
fsr-3236	150	7	are	be	AUX
fsr-3236	150	8	not	not	PART
fsr-3236	150	9	reported	report	VERB
fsr-3236	150	10	.	.	PUNCT
fsr-3236	151	1	*	*	PUNCT
fsr-3236	152	1	*	*	PUNCT
fsr-3236	152	2	*	*	PUNCT
fsr-3236	152	3	,	,	PUNCT
fsr-3236	152	4	*	*	PUNCT
fsr-3236	152	5	*	*	PUNCT
fsr-3236	152	6	,	,	PUNCT
fsr-3236	152	7	and	and	CCONJ
fsr-3236	152	8	*	*	AUX
fsr-3236	152	9	represent	represent	VERB
fsr-3236	152	10	statistical	statistical	ADJ
fsr-3236	152	11	significance	significance	NOUN
fsr-3236	152	12	at	at	ADP
fsr-3236	152	13	the	the	DET
fsr-3236	152	14	1	1	NUM
fsr-3236	152	15	%	%	NOUN
fsr-3236	152	16	,	,	PUNCT
fsr-3236	152	17	5	5	NUM
fsr-3236	152	18	%	%	NOUN
fsr-3236	152	19	,	,	PUNCT
fsr-3236	152	20	and	and	CCONJ
fsr-3236	152	21	10	10	NUM
fsr-3236	152	22	%	%	NOUN
fsr-3236	152	23	levels	level	NOUN
fsr-3236	152	24	,	,	PUNCT
fsr-3236	152	25	respectively	respectively	ADV
fsr-3236	152	26	.	.	PUNCT
fsr-3236	153	1	109c.t	109c.t	X
fsr-3236	153	2	.	.	PUNCT
fsr-3236	153	3	asaad	asaad	PROPN
fsr-3236	153	4	/	/	SYM
fsr-3236	153	5	financial	financial	ADJ
fsr-3236	153	6	services	service	NOUN
fsr-3236	153	7	review	review	VERB
fsr-3236	153	8	24	24	NUM
fsr-3236	153	9	(	(	PUNCT
fsr-3236	153	10	2015	2015	NUM
fsr-3236	153	11	)	)	PUNCT
fsr-3236	153	12	101–117	101–117	NUM
fsr-3236	153	13	(	(	PUNCT
fsr-3236	153	14	self	self	NOUN
fsr-3236	153	15	-	-	PUNCT
fsr-3236	153	16	assessed	assess	VERB
fsr-3236	153	17	rating	rating	NOUN
fsr-3236	153	18	from	from	ADP
fsr-3236	153	19	1	1	NUM
fsr-3236	153	20	to	to	ADP
fsr-3236	153	21	7	7	NUM
fsr-3236	153	22	)	)	PUNCT
fsr-3236	153	23	.	.	PUNCT
fsr-3236	154	1	confidence	confidence	NOUN
fsr-3236	154	2	is	be	AUX
fsr-3236	154	3	measured	measure	VERB
fsr-3236	154	4	using	use	VERB
fsr-3236	154	5	overall	overall	ADJ
fsr-3236	154	6	financial	financial	ADJ
fsr-3236	154	7	confidence	confidence	NOUN
fsr-3236	154	8	(	(	PUNCT
fsr-3236	154	9	overall	overall	ADJ
fsr-3236	154	10	)	)	PUNCT
fsr-3236	154	11	and	and	CCONJ
fsr-3236	154	12	an	an	DET
fsr-3236	154	13	average	average	ADJ
fsr-3236	154	14	financial	financial	ADJ
fsr-3236	154	15	confidence	confidence	NOUN
fsr-3236	154	16	(	(	PUNCT
fsr-3236	154	17	average	average	ADJ
fsr-3236	154	18	)	)	PUNCT
fsr-3236	154	19	.	.	PUNCT
fsr-3236	155	1	for	for	ADP
fsr-3236	155	2	interpretation	interpretation	NOUN
fsr-3236	155	3	purposes	purpose	NOUN
fsr-3236	155	4	,	,	PUNCT
fsr-3236	155	5	standardized	standardized	ADJ
fsr-3236	155	6	variables	variable	NOUN
fsr-3236	155	7	are	be	AUX
fsr-3236	155	8	used	use	VERB
fsr-3236	155	9	in	in	ADP
fsr-3236	155	10	the	the	DET
fsr-3236	155	11	regression	regression	NOUN
fsr-3236	155	12	so	so	SCONJ
fsr-3236	155	13	that	that	SCONJ
fsr-3236	155	14	the	the	DET
fsr-3236	155	15	odds	odd	NOUN
fsr-3236	155	16	ratio	ratio	NOUN
fsr-3236	155	17	reflects	reflect	VERB
fsr-3236	155	18	how	how	SCONJ
fsr-3236	155	19	a	a	DET
fsr-3236	155	20	one	one	NUM
fsr-3236	155	21	standard	standard	ADJ
fsr-3236	155	22	deviation	deviation	NOUN
fsr-3236	155	23	above	above	ADP
fsr-3236	155	24	or	or	CCONJ
fsr-3236	155	25	below	below	ADP
fsr-3236	155	26	the	the	DET
fsr-3236	155	27	average	average	NOUN
fsr-3236	155	28	affects	affect	VERB
fsr-3236	155	29	financial	financial	ADJ
fsr-3236	155	30	behaviors	behavior	NOUN
fsr-3236	155	31	.	.	PUNCT
fsr-3236	156	1	echoing	echo	VERB
fsr-3236	156	2	the	the	DET
fsr-3236	156	3	results	result	NOUN
fsr-3236	156	4	of	of	ADP
fsr-3236	156	5	table	table	NOUN
fsr-3236	156	6	4	4	NUM
fsr-3236	156	7	,	,	PUNCT
fsr-3236	156	8	table	table	NOUN
fsr-3236	156	9	5	5	NUM
fsr-3236	156	10	also	also	ADV
fsr-3236	156	11	demonstrates	demonstrate	VERB
fsr-3236	156	12	that	that	SCONJ
fsr-3236	156	13	both	both	CCONJ
fsr-3236	156	14	knowledge	knowledge	NOUN
fsr-3236	156	15	and	and	CCONJ
fsr-3236	156	16	confidence	confidence	NOUN
fsr-3236	156	17	are	be	AUX
fsr-3236	156	18	important	important	ADJ
fsr-3236	156	19	components	component	NOUN
fsr-3236	156	20	of	of	ADP
fsr-3236	156	21	financial	financial	ADJ
fsr-3236	156	22	behaviors	behavior	NOUN
fsr-3236	156	23	.	.	PUNCT
fsr-3236	157	1	for	for	ADP
fsr-3236	157	2	example	example	NOUN
fsr-3236	157	3	,	,	PUNCT
fsr-3236	157	4	with	with	ADP
fsr-3236	157	5	a	a	DET
fsr-3236	157	6	one	one	NUM
fsr-3236	157	7	standard	standard	ADJ
fsr-3236	157	8	deviation	deviation	NOUN
fsr-3236	157	9	increase	increase	NOUN
fsr-3236	157	10	above	above	ADP
fsr-3236	157	11	the	the	DET
fsr-3236	157	12	mean	mean	NOUN
fsr-3236	157	13	in	in	ADP
fsr-3236	157	14	knowledge	knowledge	NOUN
fsr-3236	157	15	and	and	CCONJ
fsr-3236	157	16	confidence	confidence	NOUN
fsr-3236	157	17	an	an	DET
fsr-3236	157	18	individual	individual	NOUN
fsr-3236	157	19	is	be	AUX
fsr-3236	157	20	1.236	1.236	NUM
fsr-3236	157	21	and	and	CCONJ
fsr-3236	157	22	1.372	1.372	NUM
fsr-3236	157	23	times	time	NOUN
fsr-3236	157	24	more	more	ADV
fsr-3236	157	25	likely	likely	ADJ
fsr-3236	157	26	,	,	PUNCT
fsr-3236	157	27	respectively	respectively	ADV
fsr-3236	157	28	,	,	PUNCT
fsr-3236	157	29	to	to	PART
fsr-3236	157	30	have	have	AUX
fsr-3236	157	31	calculated	calculate	VERB
fsr-3236	157	32	how	how	SCONJ
fsr-3236	157	33	much	much	ADV
fsr-3236	157	34	he	he	PRON
fsr-3236	157	35	or	or	CCONJ
fsr-3236	157	36	she	she	PRON
fsr-3236	157	37	needs	need	VERB
fsr-3236	157	38	to	to	PART
fsr-3236	157	39	save	save	VERB
fsr-3236	157	40	for	for	ADP
fsr-3236	157	41	retirement	retirement	NOUN
fsr-3236	157	42	.	.	PUNCT
fsr-3236	158	1	higher	high	ADJ
fsr-3236	158	2	levels	level	NOUN
fsr-3236	158	3	of	of	ADP
fsr-3236	158	4	financial	financial	ADJ
fsr-3236	158	5	literacy	literacy	NOUN
fsr-3236	158	6	lead	lead	NOUN
fsr-3236	158	7	to	to	ADP
fsr-3236	158	8	“	"	PUNCT
fsr-3236	158	9	better	well	ADJ
fsr-3236	158	10	”	"	PUNCT
fsr-3236	158	11	financial	financial	ADJ
fsr-3236	158	12	decision	decision	NOUN
fsr-3236	158	13	making	making	NOUN
fsr-3236	158	14	.	.	PUNCT
fsr-3236	159	1	however	however	ADV
fsr-3236	159	2	,	,	PUNCT
fsr-3236	159	3	learning	learn	VERB
fsr-3236	159	4	from	from	ADP
fsr-3236	159	5	the	the	DET
fsr-3236	159	6	consequences	consequence	NOUN
fsr-3236	159	7	of	of	ADP
fsr-3236	159	8	past	past	ADJ
fsr-3236	159	9	financial	financial	ADJ
fsr-3236	159	10	decisions	decision	NOUN
fsr-3236	159	11	,	,	PUNCT
fsr-3236	159	12	particularly	particularly	ADV
fsr-3236	159	13	learning	learn	VERB
fsr-3236	159	14	from	from	ADP
fsr-3236	159	15	mistakes	mistake	NOUN
fsr-3236	159	16	,	,	PUNCT
fsr-3236	159	17	may	may	AUX
fsr-3236	159	18	also	also	ADV
fsr-3236	159	19	lead	lead	VERB
fsr-3236	159	20	to	to	ADP
fsr-3236	159	21	higher	high	ADJ
fsr-3236	159	22	levels	level	NOUN
fsr-3236	159	23	of	of	ADP
fsr-3236	159	24	financial	financial	ADJ
fsr-3236	159	25	literacy	literacy	NOUN
fsr-3236	159	26	.	.	PUNCT
fsr-3236	160	1	for	for	ADP
fsr-3236	160	2	example	example	NOUN
fsr-3236	160	3	,	,	PUNCT
fsr-3236	160	4	financial	financial	ADJ
fsr-3236	160	5	knowledge	knowledge	NOUN
fsr-3236	160	6	is	be	AUX
fsr-3236	160	7	positively	positively	ADV
fsr-3236	160	8	related	relate	VERB
fsr-3236	160	9	to	to	ADP
fsr-3236	160	10	seeking	seek	VERB
fsr-3236	160	11	financial	financial	ADJ
fsr-3236	160	12	advice	advice	NOUN
fsr-3236	160	13	(	(	PUNCT
fsr-3236	160	14	collins	collin	NOUN
fsr-3236	160	15	,	,	PUNCT
fsr-3236	160	16	2012	2012	NUM
fsr-3236	160	17	;	;	PUNCT
fsr-3236	160	18	robb	robb	NOUN
fsr-3236	160	19	,	,	PUNCT
fsr-3236	160	20	babiarz	babiarz	NOUN
fsr-3236	160	21	,	,	PUNCT
fsr-3236	160	22	and	and	CCONJ
fsr-3236	160	23	woodyard	woodyard	PROPN
fsr-3236	160	24	,	,	PUNCT
fsr-3236	160	25	2012	2012	NUM
fsr-3236	160	26	)	)	PUNCT
fsr-3236	160	27	.	.	PUNCT
fsr-3236	161	1	herein	herein	NOUN
fsr-3236	161	2	lies	lie	VERB
fsr-3236	161	3	a	a	DET
fsr-3236	161	4	potential	potential	ADJ
fsr-3236	161	5	endogeneity	endogeneity	NOUN
fsr-3236	161	6	problem	problem	NOUN
fsr-3236	161	7	:	:	PUNCT
fsr-3236	161	8	financial	financial	ADJ
fsr-3236	161	9	literacy	literacy	NOUN
fsr-3236	161	10	levels	level	NOUN
fsr-3236	161	11	predict	predict	VERB
fsr-3236	161	12	financial	financial	ADJ
fsr-3236	161	13	behaviors	behavior	NOUN
fsr-3236	161	14	and	and	CCONJ
fsr-3236	161	15	financial	financial	ADJ
fsr-3236	161	16	behaviors	behavior	NOUN
fsr-3236	161	17	(	(	PUNCT
fsr-3236	161	18	experience	experience	NOUN
fsr-3236	161	19	)	)	PUNCT
fsr-3236	161	20	may	may	AUX
fsr-3236	161	21	predict	predict	VERB
fsr-3236	161	22	financial	financial	ADJ
fsr-3236	161	23	literacy	literacy	NOUN
fsr-3236	161	24	levels	level	NOUN
fsr-3236	161	25	.	.	PUNCT
fsr-3236	162	1	to	to	PART
fsr-3236	162	2	address	address	VERB
fsr-3236	162	3	the	the	DET
fsr-3236	162	4	potential	potential	ADJ
fsr-3236	162	5	simultaneity	simultaneity	NOUN
fsr-3236	162	6	issue	issue	NOUN
fsr-3236	162	7	,	,	PUNCT
fsr-3236	162	8	correlations	correlation	NOUN
fsr-3236	162	9	examine	examine	VERB
fsr-3236	162	10	the	the	DET
fsr-3236	162	11	inter	inter	NOUN
fsr-3236	162	12	-	-	NOUN
fsr-3236	162	13	relation	relation	NOUN
fsr-3236	162	14	between	between	ADP
fsr-3236	162	15	different	different	ADJ
fsr-3236	162	16	financial	financial	ADJ
fsr-3236	162	17	behaviors	behavior	NOUN
fsr-3236	162	18	.	.	PUNCT
fsr-3236	163	1	then	then	ADV
fsr-3236	163	2	,	,	PUNCT
fsr-3236	163	3	two	two	NUM
fsr-3236	163	4	-	-	PUNCT
fsr-3236	163	5	stage	stage	NOUN
fsr-3236	163	6	least	least	ADJ
fsr-3236	163	7	squares	square	NOUN
fsr-3236	163	8	regressions	regression	NOUN
fsr-3236	163	9	use	use	VERB
fsr-3236	163	10	high	high	ADJ
fsr-3236	163	11	school	school	NOUN
fsr-3236	163	12	financial	financial	ADJ
fsr-3236	163	13	education	education	NOUN
fsr-3236	163	14	to	to	PART
fsr-3236	163	15	instrument	instrument	VERB
fsr-3236	163	16	for	for	ADP
fsr-3236	163	17	financial	financial	ADJ
fsr-3236	163	18	literacy	literacy	NOUN
fsr-3236	163	19	.	.	PUNCT
fsr-3236	164	1	similarly	similarly	ADV
fsr-3236	164	2	,	,	PUNCT
fsr-3236	164	3	van	van	PROPN
fsr-3236	164	4	rooij	rooij	NOUN
fsr-3236	164	5	,	,	PUNCT
fsr-3236	164	6	lusardi	lusardi	NOUN
fsr-3236	164	7	,	,	PUNCT
fsr-3236	164	8	and	and	CCONJ
fsr-3236	164	9	alessie	alessie	ADJ
fsr-3236	164	10	(	(	PUNCT
fsr-3236	164	11	2011	2011	NUM
fsr-3236	164	12	)	)	PUNCT
fsr-3236	164	13	use	use	VERB
fsr-3236	164	14	economic	economic	ADJ
fsr-3236	164	15	education	education	NOUN
fsr-3236	164	16	in	in	ADP
fsr-3236	164	17	high	high	ADJ
fsr-3236	164	18	school	school	NOUN
fsr-3236	164	19	as	as	ADP
fsr-3236	164	20	an	an	DET
fsr-3236	164	21	instrumental	instrumental	ADJ
fsr-3236	164	22	variable	variable	NOUN
fsr-3236	164	23	,	,	PUNCT
fsr-3236	164	24	arguing	argue	VERB
fsr-3236	164	25	that	that	SCONJ
fsr-3236	164	26	it	it	PRON
fsr-3236	164	27	is	be	AUX
fsr-3236	164	28	correlated	correlate	VERB
fsr-3236	164	29	with	with	ADP
fsr-3236	164	30	financial	financial	ADJ
fsr-3236	164	31	literacy	literacy	NOUN
fsr-3236	164	32	(	(	PUNCT
fsr-3236	164	33	the	the	DET
fsr-3236	164	34	independent	independent	ADJ
fsr-3236	164	35	variable	variable	NOUN
fsr-3236	164	36	)	)	PUNCT
fsr-3236	164	37	but	but	CCONJ
fsr-3236	164	38	not	not	PART
fsr-3236	164	39	correlated	correlate	VERB
fsr-3236	164	40	with	with	ADP
fsr-3236	164	41	stock	stock	NOUN
fsr-3236	164	42	market	market	NOUN
fsr-3236	164	43	participation	participation	NOUN
fsr-3236	164	44	(	(	PUNCT
fsr-3236	164	45	the	the	DET
fsr-3236	164	46	dependent	dependent	ADJ
fsr-3236	164	47	variable	variable	NOUN
fsr-3236	164	48	)	)	PUNCT
fsr-3236	164	49	.	.	PUNCT
fsr-3236	165	1	first	first	ADV
fsr-3236	165	2	,	,	PUNCT
fsr-3236	165	3	there	there	PRON
fsr-3236	165	4	is	be	VERB
fsr-3236	165	5	not	not	PART
fsr-3236	165	6	a	a	DET
fsr-3236	165	7	clear	clear	ADJ
fsr-3236	165	8	statistical	statistical	ADJ
fsr-3236	165	9	table	table	NOUN
fsr-3236	165	10	5	5	NUM
fsr-3236	165	11	robustness	robustness	NOUN
fsr-3236	165	12	checks	check	NOUN
fsr-3236	165	13	for	for	ADP
fsr-3236	165	14	confidence	confidence	NOUN
fsr-3236	165	15	measure	measure	NOUN
fsr-3236	165	16	overall	overall	ADJ
fsr-3236	165	17	average	average	ADJ
fsr-3236	165	18	knowledge	knowledge	NOUN
fsr-3236	165	19	confidence	confidence	NOUN
fsr-3236	165	20	knowledge	knowledge	NOUN
fsr-3236	165	21	confidence	confidence	NOUN
fsr-3236	165	22	savings	saving	NOUN
fsr-3236	165	23	and	and	CCONJ
fsr-3236	165	24	borrowing	borrowing	NOUN
fsr-3236	165	25	behaviors	behavior	NOUN
fsr-3236	165	26	calculate	calculate	VERB
fsr-3236	165	27	1.236	1.236	NUM
fsr-3236	165	28	*	*	NOUN
fsr-3236	165	29	*	*	PUNCT
fsr-3236	165	30	*	*	PUNCT
fsr-3236	165	31	1.372	1.372	NUM
fsr-3236	165	32	*	*	PUNCT
fsr-3236	165	33	*	*	PUNCT
fsr-3236	165	34	*	*	PUNCT
fsr-3236	166	1	1.227	1.227	NUM
fsr-3236	166	2	*	*	PUNCT
fsr-3236	166	3	*	*	PUNCT
fsr-3236	166	4	*	*	PUNCT
fsr-3236	166	5	1.226	1.226	NUM
fsr-3236	166	6	*	*	PUNCT
fsr-3236	166	7	*	*	PUNCT
fsr-3236	166	8	*	*	PUNCT
fsr-3236	166	9	compare	compare	ADJ
fsr-3236	166	10	credit	credit	NOUN
fsr-3236	166	11	cards	card	NOUN
fsr-3236	166	12	1.115	1.115	NUM
fsr-3236	166	13	*	*	PUNCT
fsr-3236	166	14	*	*	PUNCT
fsr-3236	166	15	*	*	PUNCT
fsr-3236	166	16	1.276	1.276	NUM
fsr-3236	166	17	*	*	PUNCT
fsr-3236	166	18	*	*	PUNCT
fsr-3236	166	19	*	*	PUNCT
fsr-3236	166	20	1.102	1.102	NUM
fsr-3236	166	21	*	*	PUNCT
fsr-3236	166	22	*	*	PUNCT
fsr-3236	166	23	*	*	PUNCT
fsr-3236	166	24	1.206	1.206	NUM
fsr-3236	166	25	*	*	PUNCT
fsr-3236	166	26	*	*	PUNCT
fsr-3236	166	27	*	*	PUNCT
fsr-3236	166	28	credit	credit	NOUN
fsr-3236	166	29	report	report	NOUN
fsr-3236	166	30	1.118	1.118	NUM
fsr-3236	166	31	*	*	PUNCT
fsr-3236	166	32	*	*	PUNCT
fsr-3236	166	33	*	*	PUNCT
fsr-3236	166	34	1.297	1.297	NUM
fsr-3236	166	35	*	*	PUNCT
fsr-3236	166	36	*	*	PUNCT
fsr-3236	166	37	*	*	PUNCT
fsr-3236	166	38	1.111	1.111	NUM
fsr-3236	166	39	*	*	PUNCT
fsr-3236	166	40	*	*	PUNCT
fsr-3236	166	41	*	*	PUNCT
fsr-3236	166	42	1.201	1.201	NUM
fsr-3236	166	43	*	*	PUNCT
fsr-3236	166	44	*	*	PUNCT
fsr-3236	166	45	*	*	PUNCT
fsr-3236	166	46	credit	credit	NOUN
fsr-3236	166	47	score	score	NOUN
fsr-3236	166	48	1.099	1.099	NUM
fsr-3236	166	49	*	*	PUNCT
fsr-3236	166	50	*	*	PUNCT
fsr-3236	166	51	*	*	PUNCT
fsr-3236	166	52	1.241	1.241	NUM
fsr-3236	166	53	*	*	PUNCT
fsr-3236	166	54	*	*	PUNCT
fsr-3236	166	55	*	*	PUNCT
fsr-3236	166	56	1.088	1.088	NUM
fsr-3236	166	57	*	*	PUNCT
fsr-3236	166	58	*	*	PUNCT
fsr-3236	166	59	*	*	PUNCT
fsr-3236	166	60	1.190	1.190	NUM
fsr-3236	166	61	*	*	PUNCT
fsr-3236	166	62	*	*	PUNCT
fsr-3236	166	63	*	*	PUNCT
fsr-3236	166	64	health	health	NOUN
fsr-3236	166	65	insurance	insurance	NOUN
fsr-3236	166	66	1.089	1.089	NUM
fsr-3236	166	67	*	*	PUNCT
fsr-3236	166	68	*	*	PUNCT
fsr-3236	166	69	*	*	X
fsr-3236	166	70	1.033	1.033	NUM
fsr-3236	166	71	*	*	NOUN
fsr-3236	166	72	1.082	1.082	NUM
fsr-3236	166	73	*	*	PUNCT
fsr-3236	166	74	*	*	PUNCT
fsr-3236	166	75	*	*	X
fsr-3236	166	76	1.021	1.021	NUM
fsr-3236	166	77	life	life	NOUN
fsr-3236	166	78	insurance	insurance	NOUN
fsr-3236	166	79	0.990	0.990	NUM
fsr-3236	166	80	1.157	1.157	NUM
fsr-3236	166	81	*	*	PUNCT
fsr-3236	166	82	*	*	PUNCT
fsr-3236	166	83	*	*	PUNCT
fsr-3236	166	84	0.981	0.981	NUM
fsr-3236	166	85	1.129	1.129	NUM
fsr-3236	166	86	*	*	PUNCT
fsr-3236	166	87	*	*	PUNCT
fsr-3236	166	88	*	*	PUNCT
fsr-3236	166	89	investments	investment	NOUN
fsr-3236	166	90	1.324	1.324	NUM
fsr-3236	166	91	*	*	PUNCT
fsr-3236	166	92	*	*	PUNCT
fsr-3236	166	93	*	*	PUNCT
fsr-3236	166	94	1.298	1.298	NUM
fsr-3236	166	95	*	*	PUNCT
fsr-3236	166	96	*	*	PUNCT
fsr-3236	166	97	*	*	PUNCT
fsr-3236	166	98	1.320	1.320	NUM
fsr-3236	166	99	*	*	PUNCT
fsr-3236	166	100	*	*	PUNCT
fsr-3236	166	101	*	*	PUNCT
fsr-3236	166	102	1.169	1.169	NUM
fsr-3236	166	103	*	*	PUNCT
fsr-3236	166	104	*	*	PUNCT
fsr-3236	166	105	*	*	PUNCT
fsr-3236	166	106	loan	loan	NOUN
fsr-3236	166	107	from	from	ADP
fsr-3236	166	108	retirement	retirement	NOUN
fsr-3236	166	109	account	account	NOUN
fsr-3236	166	110	0.776	0.776	NUM
fsr-3236	166	111	*	*	PUNCT
fsr-3236	166	112	*	*	PUNCT
fsr-3236	166	113	*	*	PUNCT
fsr-3236	166	114	1.060	1.060	NUM
fsr-3236	166	115	0.706	0.706	NUM
fsr-3236	166	116	*	*	PUNCT
fsr-3236	166	117	*	*	PUNCT
fsr-3236	166	118	*	*	PUNCT
fsr-3236	166	119	0.857	0.857	NUM
fsr-3236	166	120	*	*	PUNCT
fsr-3236	166	121	*	*	PUNCT
fsr-3236	166	122	*	*	PUNCT
fsr-3236	166	123	home	home	NOUN
fsr-3236	166	124	equity	equity	NOUN
fsr-3236	166	125	loan	loan	NOUN
fsr-3236	166	126	0.925	0.925	NUM
fsr-3236	166	127	*	*	PUNCT
fsr-3236	166	128	*	*	PUNCT
fsr-3236	166	129	*	*	PUNCT
fsr-3236	166	130	1.120	1.120	NUM
fsr-3236	166	131	*	*	PUNCT
fsr-3236	166	132	*	*	PUNCT
fsr-3236	166	133	*	*	PUNCT
fsr-3236	166	134	0.935	0.935	NUM
fsr-3236	166	135	*	*	PUNCT
fsr-3236	166	136	*	*	PUNCT
fsr-3236	166	137	0.991	0.991	NUM
fsr-3236	166	138	foreclosure	foreclosure	NOUN
fsr-3236	166	139	0.703	0.703	NOUN
fsr-3236	166	140	*	*	PUNCT
fsr-3236	166	141	*	*	PUNCT
fsr-3236	166	142	*	*	PUNCT
fsr-3236	166	143	1.161	1.161	NUM
fsr-3236	166	144	*	*	PUNCT
fsr-3236	166	145	*	*	PUNCT
fsr-3236	166	146	*	*	PUNCT
fsr-3236	166	147	0.725	0.725	NUM
fsr-3236	166	148	*	*	PUNCT
fsr-3236	166	149	*	*	PUNCT
fsr-3236	166	150	*	*	PUNCT
fsr-3236	166	151	0.920	0.920	NUM
fsr-3236	166	152	*	*	PUNCT
fsr-3236	166	153	*	*	PUNCT
fsr-3236	166	154	the	the	DET
fsr-3236	166	155	logistic	logistic	ADJ
fsr-3236	166	156	regressions	regression	NOUN
fsr-3236	166	157	from	from	ADP
fsr-3236	166	158	table	table	NOUN
fsr-3236	166	159	4	4	NUM
fsr-3236	166	160	are	be	AUX
fsr-3236	166	161	reconsidered	reconsider	VERB
fsr-3236	166	162	.	.	PUNCT
fsr-3236	167	1	instead	instead	ADV
fsr-3236	167	2	of	of	ADP
fsr-3236	167	3	using	use	VERB
fsr-3236	167	4	the	the	DET
fsr-3236	167	5	four	four	NUM
fsr-3236	167	6	knowledge	knowledge	NOUN
fsr-3236	167	7	groups	group	NOUN
fsr-3236	167	8	,	,	PUNCT
fsr-3236	167	9	continuous	continuous	ADJ
fsr-3236	167	10	variables	variable	NOUN
fsr-3236	167	11	are	be	AUX
fsr-3236	167	12	used	use	VERB
fsr-3236	167	13	for	for	ADP
fsr-3236	167	14	financial	financial	ADJ
fsr-3236	167	15	knowledge	knowledge	NOUN
fsr-3236	167	16	and	and	CCONJ
fsr-3236	167	17	financial	financial	ADJ
fsr-3236	167	18	confidence	confidence	NOUN
fsr-3236	167	19	.	.	PUNCT
fsr-3236	168	1	the	the	DET
fsr-3236	168	2	financial	financial	ADJ
fsr-3236	168	3	knowledge	knowledge	NOUN
fsr-3236	168	4	measure	measure	NOUN
fsr-3236	168	5	reflects	reflect	VERB
fsr-3236	168	6	the	the	DET
fsr-3236	168	7	number	number	NOUN
fsr-3236	168	8	of	of	ADP
fsr-3236	168	9	correctly	correctly	ADV
fsr-3236	168	10	answered	answer	VERB
fsr-3236	168	11	questions	question	NOUN
fsr-3236	168	12	,	,	PUNCT
fsr-3236	168	13	and	and	CCONJ
fsr-3236	168	14	thus	thus	ADV
fsr-3236	168	15	ranges	range	VERB
fsr-3236	168	16	from	from	ADP
fsr-3236	168	17	0	0	NUM
fsr-3236	168	18	to	to	ADP
fsr-3236	168	19	5	5	NUM
fsr-3236	168	20	.	.	PUNCT
fsr-3236	168	21	several	several	ADJ
fsr-3236	168	22	confidence	confidence	NOUN
fsr-3236	168	23	measures	measure	NOUN
fsr-3236	168	24	are	be	AUX
fsr-3236	168	25	considered	consider	VERB
fsr-3236	168	26	:	:	PUNCT
fsr-3236	168	27	overall	overall	ADJ
fsr-3236	168	28	,	,	PUNCT
fsr-3236	168	29	day	day	NOUN
fsr-3236	168	30	-	-	PUNCT
fsr-3236	168	31	to	to	ADP
fsr-3236	168	32	-	-	PUNCT
fsr-3236	168	33	day	day	NOUN
fsr-3236	168	34	,	,	PUNCT
fsr-3236	168	35	math	math	NOUN
fsr-3236	168	36	,	,	PUNCT
fsr-3236	168	37	and	and	CCONJ
fsr-3236	168	38	average	average	ADJ
fsr-3236	168	39	.	.	PUNCT
fsr-3236	169	1	in	in	ADP
fsr-3236	169	2	all	all	DET
fsr-3236	169	3	regressions	regression	NOUN
fsr-3236	169	4	,	,	PUNCT
fsr-3236	169	5	both	both	CCONJ
fsr-3236	169	6	the	the	DET
fsr-3236	169	7	financial	financial	ADJ
fsr-3236	169	8	knowledge	knowledge	NOUN
fsr-3236	169	9	variable	variable	NOUN
fsr-3236	169	10	and	and	CCONJ
fsr-3236	169	11	the	the	DET
fsr-3236	169	12	respective	respective	ADJ
fsr-3236	169	13	financial	financial	ADJ
fsr-3236	169	14	confidence	confidence	NOUN
fsr-3236	169	15	variable	variable	NOUN
fsr-3236	169	16	are	be	AUX
fsr-3236	169	17	standardized	standardize	VERB
fsr-3236	169	18	for	for	ADP
fsr-3236	169	19	ease	ease	NOUN
fsr-3236	169	20	of	of	ADP
fsr-3236	169	21	interpretation	interpretation	NOUN
fsr-3236	169	22	of	of	ADP
fsr-3236	169	23	the	the	DET
fsr-3236	169	24	odds	odd	NOUN
fsr-3236	169	25	ratios	ratio	NOUN
fsr-3236	169	26	.	.	PUNCT
fsr-3236	170	1	the	the	DET
fsr-3236	170	2	control	control	NOUN
fsr-3236	170	3	variables	variable	VERB
fsr-3236	170	4	gender	gender	NOUN
fsr-3236	170	5	,	,	PUNCT
fsr-3236	170	6	age	age	NOUN
fsr-3236	170	7	,	,	PUNCT
fsr-3236	170	8	education	education	NOUN
fsr-3236	170	9	,	,	PUNCT
fsr-3236	170	10	employment	employment	NOUN
fsr-3236	170	11	status	status	NOUN
fsr-3236	170	12	,	,	PUNCT
fsr-3236	170	13	marital	marital	ADJ
fsr-3236	170	14	status	status	NOUN
fsr-3236	170	15	,	,	PUNCT
fsr-3236	170	16	income	income	NOUN
fsr-3236	170	17	,	,	PUNCT
fsr-3236	170	18	income	income	NOUN
fsr-3236	170	19	-	-	PUNCT
fsr-3236	170	20	drop	drop	NOUN
fsr-3236	170	21	,	,	PUNCT
fsr-3236	170	22	and	and	CCONJ
fsr-3236	170	23	risk	risk	NOUN
fsr-3236	170	24	tolerance	tolerance	NOUN
fsr-3236	170	25	are	be	AUX
fsr-3236	170	26	not	not	PART
fsr-3236	170	27	reported	report	VERB
fsr-3236	170	28	.	.	PUNCT
fsr-3236	171	1	the	the	DET
fsr-3236	171	2	financial	financial	ADJ
fsr-3236	171	3	behaviors	behavior	NOUN
fsr-3236	171	4	(	(	PUNCT
fsr-3236	171	5	0	0	NUM
fsr-3236	171	6	�	�	NOUN
fsr-3236	171	7	did	do	AUX
fsr-3236	171	8	not	not	PART
fsr-3236	171	9	engage	engage	VERB
fsr-3236	171	10	in	in	ADP
fsr-3236	171	11	behavior	behavior	NOUN
fsr-3236	171	12	;	;	PUNCT
fsr-3236	171	13	1	1	NUM
fsr-3236	171	14	�	�	NOUN
fsr-3236	171	15	engaged	engage	VERB
fsr-3236	171	16	in	in	ADP
fsr-3236	171	17	behavior	behavior	NOUN
fsr-3236	171	18	)	)	PUNCT
fsr-3236	171	19	are	be	AUX
fsr-3236	171	20	listed	list	VERB
fsr-3236	171	21	vertically	vertically	ADV
fsr-3236	171	22	along	along	ADP
fsr-3236	171	23	the	the	DET
fsr-3236	171	24	left	left	ADJ
fsr-3236	171	25	panel	panel	NOUN
fsr-3236	171	26	and	and	CCONJ
fsr-3236	171	27	are	be	AUX
fsr-3236	171	28	detailed	detail	VERB
fsr-3236	171	29	in	in	ADP
fsr-3236	171	30	the	the	DET
fsr-3236	171	31	appendix	appendix	NOUN
fsr-3236	171	32	.	.	PUNCT
fsr-3236	172	1	the	the	DET
fsr-3236	172	2	odds	odd	NOUN
fsr-3236	172	3	ratio	ratio	NOUN
fsr-3236	172	4	represents	represent	VERB
fsr-3236	172	5	reflects	reflect	VERB
fsr-3236	172	6	how	how	SCONJ
fsr-3236	172	7	a	a	DET
fsr-3236	172	8	one	one	NUM
fsr-3236	172	9	standard	standard	ADJ
fsr-3236	172	10	deviation	deviation	NOUN
fsr-3236	172	11	above	above	ADP
fsr-3236	172	12	or	or	CCONJ
fsr-3236	172	13	below	below	ADP
fsr-3236	172	14	the	the	DET
fsr-3236	172	15	average	average	NOUN
fsr-3236	172	16	affects	affect	VERB
fsr-3236	172	17	financial	financial	ADJ
fsr-3236	172	18	behaviors	behavior	NOUN
fsr-3236	172	19	.	.	PUNCT
fsr-3236	173	1	*	*	PUNCT
fsr-3236	174	1	*	*	PUNCT
fsr-3236	174	2	*	*	PUNCT
fsr-3236	174	3	,	,	PUNCT
fsr-3236	174	4	*	*	PUNCT
fsr-3236	174	5	*	*	PUNCT
fsr-3236	174	6	,	,	PUNCT
fsr-3236	174	7	and	and	CCONJ
fsr-3236	174	8	*	*	AUX
fsr-3236	174	9	represent	represent	VERB
fsr-3236	174	10	statistical	statistical	ADJ
fsr-3236	174	11	significance	significance	NOUN
fsr-3236	174	12	at	at	ADP
fsr-3236	174	13	the	the	DET
fsr-3236	174	14	1	1	NUM
fsr-3236	174	15	%	%	NOUN
fsr-3236	174	16	,	,	PUNCT
fsr-3236	174	17	5	5	NUM
fsr-3236	174	18	%	%	NOUN
fsr-3236	174	19	,	,	PUNCT
fsr-3236	174	20	and	and	CCONJ
fsr-3236	174	21	10	10	NUM
fsr-3236	174	22	%	%	NOUN
fsr-3236	174	23	levels	level	NOUN
fsr-3236	174	24	,	,	PUNCT
fsr-3236	174	25	respectively	respectively	ADV
fsr-3236	174	26	.	.	PUNCT
fsr-3236	175	1	110	110	NUM
fsr-3236	175	2	c.t	c.t	PROPN
fsr-3236	175	3	.	.	PROPN
fsr-3236	175	4	asaad	asaad	PROPN
fsr-3236	175	5	/	/	SYM
fsr-3236	175	6	financial	financial	ADJ
fsr-3236	175	7	services	service	NOUN
fsr-3236	175	8	review	review	VERB
fsr-3236	175	9	24	24	NUM
fsr-3236	175	10	(	(	PUNCT
fsr-3236	175	11	2015	2015	NUM
fsr-3236	175	12	)	)	PUNCT
fsr-3236	175	13	101–117	101–117	NUM
fsr-3236	175	14	relationship	relationship	NOUN
fsr-3236	175	15	across	across	ADP
fsr-3236	175	16	financial	financial	ADJ
fsr-3236	175	17	behaviors	behavior	NOUN
fsr-3236	175	18	,	,	PUNCT
fsr-3236	175	19	suggesting	suggest	VERB
fsr-3236	175	20	that	that	SCONJ
fsr-3236	175	21	financial	financial	ADJ
fsr-3236	175	22	behaviors	behavior	NOUN
fsr-3236	175	23	are	be	AUX
fsr-3236	175	24	not	not	PART
fsr-3236	175	25	distinct	distinct	ADJ
fsr-3236	175	26	predictors	predictor	NOUN
fsr-3236	175	27	of	of	ADP
fsr-3236	175	28	financial	financial	ADJ
fsr-3236	175	29	literacy	literacy	NOUN
fsr-3236	175	30	(	(	PUNCT
fsr-3236	175	31	see	see	VERB
fsr-3236	175	32	also	also	ADV
fsr-3236	175	33	allgood	allgood	NOUN
fsr-3236	175	34	and	and	CCONJ
fsr-3236	175	35	walstad	walstad	NOUN
fsr-3236	175	36	,	,	PUNCT
fsr-3236	175	37	2013	2013	NUM
fsr-3236	175	38	)	)	PUNCT
fsr-3236	175	39	.	.	PUNCT
fsr-3236	176	1	second	second	ADJ
fsr-3236	176	2	,	,	PUNCT
fsr-3236	176	3	in	in	ADP
fsr-3236	176	4	all	all	DET
fsr-3236	176	5	specifications	specification	NOUN
fsr-3236	176	6	,	,	PUNCT
fsr-3236	176	7	the	the	DET
fsr-3236	176	8	financial	financial	ADJ
fsr-3236	176	9	confidence	confidence	NOUN
fsr-3236	176	10	variable	variable	NOUN
fsr-3236	176	11	is	be	AUX
fsr-3236	176	12	still	still	ADV
fsr-3236	176	13	statistically	statistically	ADV
fsr-3236	176	14	and	and	CCONJ
fsr-3236	176	15	economically	economically	ADV
fsr-3236	176	16	significant	significant	ADJ
fsr-3236	176	17	.	.	PUNCT
fsr-3236	177	1	moreover	moreover	ADV
fsr-3236	177	2	,	,	PUNCT
fsr-3236	177	3	previous	previous	ADJ
fsr-3236	177	4	research	research	NOUN
fsr-3236	177	5	has	have	AUX
fsr-3236	177	6	also	also	ADV
fsr-3236	177	7	not	not	PART
fsr-3236	177	8	found	find	VERB
fsr-3236	177	9	reverse	reverse	ADJ
fsr-3236	177	10	causality	causality	NOUN
fsr-3236	177	11	to	to	PART
fsr-3236	177	12	be	be	AUX
fsr-3236	177	13	an	an	DET
fsr-3236	177	14	issue	issue	NOUN
fsr-3236	177	15	(	(	PUNCT
fsr-3236	177	16	allgood	allgood	NOUN
fsr-3236	177	17	and	and	CCONJ
fsr-3236	177	18	walstad	walstad	NOUN
fsr-3236	177	19	,	,	PUNCT
fsr-3236	177	20	2013	2013	NUM
fsr-3236	177	21	;	;	PUNCT
fsr-3236	177	22	van	van	PROPN
fsr-3236	177	23	rooij	rooij	NOUN
fsr-3236	177	24	,	,	PUNCT
fsr-3236	177	25	lusardi	lusardi	NOUN
fsr-3236	177	26	,	,	PUNCT
fsr-3236	177	27	and	and	CCONJ
fsr-3236	177	28	alessie	alessie	ADJ
fsr-3236	177	29	,	,	PUNCT
fsr-3236	177	30	2011	2011	NUM
fsr-3236	177	31	)	)	PUNCT
fsr-3236	177	32	.	.	PUNCT
fsr-3236	178	1	the	the	DET
fsr-3236	178	2	results	result	NOUN
fsr-3236	178	3	in	in	ADP
fsr-3236	178	4	tables	table	NOUN
fsr-3236	178	5	4	4	NUM
fsr-3236	178	6	and	and	CCONJ
fsr-3236	178	7	5	5	NUM
fsr-3236	178	8	provide	provide	VERB
fsr-3236	178	9	support	support	NOUN
fsr-3236	178	10	for	for	ADP
fsr-3236	178	11	h1	h1	NOUN
fsr-3236	178	12	,	,	PUNCT
fsr-3236	178	13	that	that	SCONJ
fsr-3236	178	14	financial	financial	ADJ
fsr-3236	178	15	confidence	confidence	NOUN
fsr-3236	178	16	predicts	predict	VERB
fsr-3236	178	17	financial	financial	ADJ
fsr-3236	178	18	behavior	behavior	NOUN
fsr-3236	178	19	.	.	PUNCT
fsr-3236	179	1	in	in	ADP
fsr-3236	179	2	addition	addition	NOUN
fsr-3236	179	3	,	,	PUNCT
fsr-3236	179	4	these	these	DET
fsr-3236	179	5	findings	finding	NOUN
fsr-3236	179	6	support	support	NOUN
fsr-3236	179	7	remund	remund	NOUN
fsr-3236	179	8	’s	’s	PART
fsr-3236	179	9	(	(	PUNCT
fsr-3236	179	10	2010	2010	NUM
fsr-3236	179	11	,	,	PUNCT
fsr-3236	179	12	p.	p.	NOUN
fsr-3236	179	13	284	284	NUM
fsr-3236	179	14	)	)	PUNCT
fsr-3236	179	15	definition	definition	NOUN
fsr-3236	179	16	of	of	ADP
fsr-3236	179	17	financial	financial	ADJ
fsr-3236	179	18	literacy	literacy	NOUN
fsr-3236	179	19	as	as	ADP
fsr-3236	179	20	“	"	PUNCT
fsr-3236	179	21	a	a	DET
fsr-3236	179	22	measure	measure	NOUN
fsr-3236	179	23	of	of	ADP
fsr-3236	179	24	the	the	DET
fsr-3236	179	25	degree	degree	NOUN
fsr-3236	179	26	to	to	PART
fsr-3236	179	27	which	which	PRON
fsr-3236	179	28	one	one	PRON
fsr-3236	179	29	understands	understand	VERB
fsr-3236	179	30	key	key	ADJ
fsr-3236	179	31	financial	financial	ADJ
fsr-3236	179	32	concepts	concept	NOUN
fsr-3236	179	33	and	and	CCONJ
fsr-3236	179	34	possesses	possess	VERB
fsr-3236	179	35	the	the	DET
fsr-3236	179	36	ability	ability	NOUN
fsr-3236	179	37	and	and	CCONJ
fsr-3236	179	38	confidence	confidence	NOUN
fsr-3236	179	39	to	to	PART
fsr-3236	179	40	manage	manage	VERB
fsr-3236	179	41	personal	personal	ADJ
fsr-3236	179	42	finances	finance	NOUN
fsr-3236	179	43	”	"	PUNCT
fsr-3236	179	44	and	and	CCONJ
fsr-3236	179	45	the	the	DET
fsr-3236	179	46	work	work	NOUN
fsr-3236	179	47	of	of	ADP
fsr-3236	179	48	courchane	courchane	NOUN
fsr-3236	179	49	,	,	PUNCT
fsr-3236	179	50	gailey	gailey	NOUN
fsr-3236	179	51	,	,	PUNCT
fsr-3236	179	52	and	and	CCONJ
fsr-3236	179	53	zorn	zorn	PROPN
fsr-3236	179	54	(	(	PUNCT
fsr-3236	179	55	2008	2008	NUM
fsr-3236	179	56	,	,	PUNCT
fsr-3236	179	57	p.	p.	NOUN
fsr-3236	179	58	137	137	NUM
fsr-3236	179	59	)	)	PUNCT
fsr-3236	179	60	who	who	PRON
fsr-3236	179	61	find	find	VERB
fsr-3236	179	62	that	that	SCONJ
fsr-3236	179	63	“	"	PUNCT
fsr-3236	179	64	optimistic	optimistic	ADJ
fsr-3236	179	65	self	self	NOUN
fsr-3236	179	66	-	-	PUNCT
fsr-3236	179	67	assessments	assessment	NOUN
fsr-3236	179	68	,	,	PUNCT
fsr-3236	179	69	not	not	PART
fsr-3236	179	70	accurate	accurate	ADJ
fsr-3236	179	71	ones	one	NOUN
fsr-3236	179	72	,	,	PUNCT
fsr-3236	179	73	lead	lead	VERB
fsr-3236	179	74	to	to	ADP
fsr-3236	179	75	better	well	ADJ
fsr-3236	179	76	financial	financial	ADJ
fsr-3236	179	77	outcomes	outcome	NOUN
fsr-3236	179	78	.	.	PUNCT
fsr-3236	179	79	”	"	PUNCT
fsr-3236	180	1	4.2	4.2	NUM
fsr-3236	180	2	.	.	PUNCT
fsr-3236	181	1	risky	risky	ADJ
fsr-3236	181	2	behaviors	behavior	NOUN
fsr-3236	181	3	h2	h2	PROPN
fsr-3236	181	4	proposes	propose	VERB
fsr-3236	181	5	that	that	SCONJ
fsr-3236	181	6	overconfident	overconfident	ADJ
fsr-3236	181	7	individuals	individual	NOUN
fsr-3236	181	8	are	be	AUX
fsr-3236	181	9	most	most	ADV
fsr-3236	181	10	likely	likely	ADJ
fsr-3236	181	11	to	to	PART
fsr-3236	181	12	engage	engage	VERB
fsr-3236	181	13	in	in	ADP
fsr-3236	181	14	risky	risky	ADJ
fsr-3236	181	15	financial	financial	ADJ
fsr-3236	181	16	behaviors	behavior	NOUN
fsr-3236	181	17	.	.	PUNCT
fsr-3236	182	1	table	table	NOUN
fsr-3236	182	2	4	4	NUM
fsr-3236	182	3	hints	hint	NOUN
fsr-3236	182	4	that	that	SCONJ
fsr-3236	182	5	this	this	PRON
fsr-3236	182	6	may	may	AUX
fsr-3236	182	7	be	be	AUX
fsr-3236	182	8	the	the	DET
fsr-3236	182	9	case	case	NOUN
fsr-3236	182	10	:	:	PUNCT
fsr-3236	182	11	the	the	DET
fsr-3236	182	12	high	high	ADJ
fsr-3236	182	13	-	-	PUNCT
fsr-3236	182	14	high	high	ADJ
fsr-3236	182	15	knowledge	knowledge	NOUN
fsr-3236	182	16	group	group	NOUN
fsr-3236	182	17	is	be	AUX
fsr-3236	182	18	less	less	ADV
fsr-3236	182	19	likely	likely	ADJ
fsr-3236	182	20	than	than	ADP
fsr-3236	182	21	the	the	DET
fsr-3236	182	22	low	low	ADJ
fsr-3236	182	23	-	-	PUNCT
fsr-3236	182	24	low	low	ADJ
fsr-3236	182	25	knowledge	knowledge	NOUN
fsr-3236	182	26	group	group	NOUN
fsr-3236	182	27	to	to	PART
fsr-3236	182	28	have	have	AUX
fsr-3236	182	29	experienced	experience	VERB
fsr-3236	182	30	a	a	DET
fsr-3236	182	31	foreclosure	foreclosure	NOUN
fsr-3236	182	32	process	process	NOUN
fsr-3236	182	33	while	while	SCONJ
fsr-3236	182	34	the	the	DET
fsr-3236	182	35	low	low	ADJ
fsr-3236	182	36	-	-	PUNCT
fsr-3236	182	37	high	high	ADJ
fsr-3236	182	38	(	(	PUNCT
fsr-3236	182	39	overconfident	overconfident	ADJ
fsr-3236	182	40	)	)	PUNCT
fsr-3236	182	41	knowledge	knowledge	NOUN
fsr-3236	182	42	group	group	NOUN
fsr-3236	182	43	is	be	AUX
fsr-3236	182	44	more	more	ADV
fsr-3236	182	45	likely	likely	ADJ
fsr-3236	182	46	than	than	ADP
fsr-3236	182	47	the	the	DET
fsr-3236	182	48	low	low	ADJ
fsr-3236	182	49	-	-	PUNCT
fsr-3236	182	50	low	low	NOUN
fsr-3236	182	51	group	group	NOUN
fsr-3236	182	52	.	.	PUNCT
fsr-3236	183	1	because	because	SCONJ
fsr-3236	183	2	of	of	ADP
fsr-3236	183	3	an	an	DET
fsr-3236	183	4	underestimation	underestimation	NOUN
fsr-3236	183	5	of	of	ADP
fsr-3236	183	6	risk	risk	NOUN
fsr-3236	183	7	,	,	PUNCT
fsr-3236	183	8	overconfident	overconfident	ADJ
fsr-3236	183	9	individuals	individual	NOUN
fsr-3236	183	10	likely	likely	ADV
fsr-3236	183	11	have	have	VERB
fsr-3236	183	12	an	an	DET
fsr-3236	183	13	increased	increase	VERB
fsr-3236	183	14	propensity	propensity	NOUN
fsr-3236	183	15	to	to	PART
fsr-3236	183	16	engage	engage	VERB
fsr-3236	183	17	in	in	ADP
fsr-3236	183	18	risky	risky	ADJ
fsr-3236	183	19	behaviors	behavior	NOUN
fsr-3236	183	20	.	.	PUNCT
fsr-3236	184	1	the	the	DET
fsr-3236	184	2	omitted	omit	VERB
fsr-3236	184	3	knowledge	knowledge	NOUN
fsr-3236	184	4	group	group	NOUN
fsr-3236	184	5	in	in	ADP
fsr-3236	184	6	this	this	DET
fsr-3236	184	7	next	next	ADJ
fsr-3236	184	8	series	series	NOUN
fsr-3236	184	9	of	of	ADP
fsr-3236	184	10	regressions	regression	NOUN
fsr-3236	184	11	is	be	AUX
fsr-3236	184	12	the	the	DET
fsr-3236	184	13	overconfident	overconfident	ADJ
fsr-3236	184	14	group	group	NOUN
fsr-3236	184	15	,	,	PUNCT
fsr-3236	184	16	or	or	CCONJ
fsr-3236	184	17	those	those	PRON
fsr-3236	184	18	with	with	ADP
fsr-3236	184	19	low	low	ADJ
fsr-3236	184	20	knowledge	knowledge	NOUN
fsr-3236	184	21	and	and	CCONJ
fsr-3236	184	22	high	high	ADJ
fsr-3236	184	23	confidence	confidence	NOUN
fsr-3236	184	24	(	(	PUNCT
fsr-3236	184	25	low	low	ADJ
fsr-3236	184	26	-	-	PUNCT
fsr-3236	184	27	high	high	ADJ
fsr-3236	184	28	)	)	PUNCT
fsr-3236	184	29	.	.	PUNCT
fsr-3236	185	1	if	if	SCONJ
fsr-3236	185	2	the	the	DET
fsr-3236	185	3	overconfident	overconfident	NOUN
fsr-3236	185	4	are	be	AUX
fsr-3236	185	5	more	more	ADV
fsr-3236	185	6	likely	likely	ADJ
fsr-3236	185	7	to	to	PART
fsr-3236	185	8	engage	engage	VERB
fsr-3236	185	9	in	in	ADP
fsr-3236	185	10	risky	risky	ADJ
fsr-3236	185	11	behaviors	behavior	NOUN
fsr-3236	185	12	,	,	PUNCT
fsr-3236	185	13	then	then	ADV
fsr-3236	185	14	the	the	DET
fsr-3236	185	15	odds	odd	NOUN
fsr-3236	185	16	ratios	ratio	NOUN
fsr-3236	185	17	of	of	ADP
fsr-3236	185	18	the	the	DET
fsr-3236	185	19	other	other	ADJ
fsr-3236	185	20	knowledge	knowledge	NOUN
fsr-3236	185	21	groups	group	NOUN
fsr-3236	185	22	should	should	AUX
fsr-3236	185	23	be	be	AUX
fsr-3236	185	24	below	below	ADP
fsr-3236	185	25	one	one	NUM
fsr-3236	185	26	,	,	PUNCT
fsr-3236	185	27	indicating	indicate	VERB
fsr-3236	185	28	that	that	SCONJ
fsr-3236	185	29	these	these	DET
fsr-3236	185	30	groups	group	NOUN
fsr-3236	185	31	are	be	AUX
fsr-3236	185	32	less	less	ADV
fsr-3236	185	33	likely	likely	ADJ
fsr-3236	185	34	to	to	PART
fsr-3236	185	35	engage	engage	VERB
fsr-3236	185	36	in	in	ADP
fsr-3236	185	37	risky	risky	ADJ
fsr-3236	185	38	behaviors	behavior	NOUN
fsr-3236	185	39	than	than	ADP
fsr-3236	185	40	the	the	DET
fsr-3236	185	41	low	low	ADJ
fsr-3236	185	42	-	-	PUNCT
fsr-3236	185	43	high	high	ADJ
fsr-3236	185	44	group	group	NOUN
fsr-3236	185	45	.	.	PUNCT
fsr-3236	186	1	after	after	ADP
fsr-3236	186	2	controlling	control	VERB
fsr-3236	186	3	for	for	ADP
fsr-3236	186	4	many	many	ADJ
fsr-3236	186	5	other	other	ADJ
fsr-3236	186	6	factors	factor	NOUN
fsr-3236	186	7	,	,	PUNCT
fsr-3236	186	8	including	include	VERB
fsr-3236	186	9	risk	risk	NOUN
fsr-3236	186	10	tolerance	tolerance	NOUN
fsr-3236	186	11	,	,	PUNCT
fsr-3236	186	12	table	table	NOUN
fsr-3236	186	13	6	6	NUM
fsr-3236	186	14	shows	show	VERB
fsr-3236	186	15	that	that	SCONJ
fsr-3236	186	16	“	"	PUNCT
fsr-3236	186	17	overconfident	overconfident	ADJ
fsr-3236	186	18	”	"	PUNCT
fsr-3236	186	19	individuals	individual	NOUN
fsr-3236	186	20	are	be	AUX
fsr-3236	186	21	more	more	ADV
fsr-3236	186	22	likely	likely	ADJ
fsr-3236	186	23	than	than	ADP
fsr-3236	186	24	other	other	ADJ
fsr-3236	186	25	knowledge	knowledge	NOUN
fsr-3236	186	26	groups	group	NOUN
fsr-3236	186	27	to	to	PART
fsr-3236	186	28	take	take	VERB
fsr-3236	186	29	these	these	DET
fsr-3236	186	30	financial	financial	ADJ
fsr-3236	186	31	risks	risk	NOUN
fsr-3236	186	32	.	.	PUNCT
fsr-3236	187	1	compared	compare	VERB
fsr-3236	187	2	with	with	ADP
fsr-3236	187	3	“	"	PUNCT
fsr-3236	187	4	overconfident	overconfident	ADJ
fsr-3236	187	5	”	"	PUNCT
fsr-3236	187	6	individuals	individual	NOUN
fsr-3236	187	7	,	,	PUNCT
fsr-3236	187	8	those	those	PRON
fsr-3236	187	9	with	with	ADP
fsr-3236	187	10	low	low	ADJ
fsr-3236	187	11	perceived	perceive	VERB
fsr-3236	187	12	table	table	NOUN
fsr-3236	187	13	6	6	NUM
fsr-3236	187	14	financial	financial	ADJ
fsr-3236	187	15	literacy	literacy	NOUN
fsr-3236	187	16	and	and	CCONJ
fsr-3236	187	17	risky	risky	ADJ
fsr-3236	187	18	behavior	behavior	NOUN
fsr-3236	187	19	high	high	ADJ
fsr-3236	187	20	knowledge	knowledge	NOUN
fsr-3236	187	21	,	,	PUNCT
fsr-3236	187	22	high	high	ADJ
fsr-3236	187	23	confidence	confidence	NOUN
fsr-3236	187	24	high	high	ADJ
fsr-3236	187	25	knowledge	knowledge	NOUN
fsr-3236	187	26	,	,	PUNCT
fsr-3236	187	27	low	low	ADJ
fsr-3236	187	28	confidence	confidence	NOUN
fsr-3236	187	29	low	low	ADJ
fsr-3236	187	30	knowledge	knowledge	NOUN
fsr-3236	187	31	,	,	PUNCT
fsr-3236	187	32	low	low	ADJ
fsr-3236	187	33	confidence	confidence	NOUN
fsr-3236	187	34	risky	risky	ADJ
fsr-3236	187	35	,	,	PUNCT
fsr-3236	187	36	high	high	ADJ
fsr-3236	187	37	-	-	PUNCT
fsr-3236	187	38	cost	cost	NOUN
fsr-3236	187	39	behaviors	behavior	NOUN
fsr-3236	187	40	title	title	NOUN
fsr-3236	187	41	-	-	PUNCT
fsr-3236	187	42	loan	loan	NOUN
fsr-3236	187	43	0.484	0.484	NUM
fsr-3236	187	44	*	*	PUNCT
fsr-3236	187	45	*	*	PUNCT
fsr-3236	187	46	*	*	PUNCT
fsr-3236	187	47	0.656	0.656	NUM
fsr-3236	187	48	*	*	PUNCT
fsr-3236	187	49	*	*	PUNCT
fsr-3236	187	50	*	*	PUNCT
fsr-3236	187	51	0.575	0.575	NUM
fsr-3236	187	52	*	*	PUNCT
fsr-3236	187	53	*	*	PUNCT
fsr-3236	187	54	*	*	NOUN
fsr-3236	187	55	pay	pay	NOUN
fsr-3236	187	56	-	-	PUNCT
fsr-3236	187	57	day	day	NOUN
fsr-3236	187	58	loan	loan	NOUN
fsr-3236	187	59	0.595	0.595	NUM
fsr-3236	187	60	*	*	PUNCT
fsr-3236	187	61	*	*	PUNCT
fsr-3236	187	62	*	*	PUNCT
fsr-3236	187	63	0.719	0.719	NUM
fsr-3236	187	64	*	*	PUNCT
fsr-3236	187	65	*	*	PUNCT
fsr-3236	187	66	*	*	PUNCT
fsr-3236	187	67	0.745	0.745	NUM
fsr-3236	187	68	*	*	PUNCT
fsr-3236	187	69	*	*	PUNCT
fsr-3236	187	70	*	*	PUNCT
fsr-3236	187	71	tax	tax	NOUN
fsr-3236	187	72	advance	advance	NOUN
fsr-3236	187	73	0.496	0.496	NUM
fsr-3236	187	74	*	*	PUNCT
fsr-3236	187	75	*	*	PUNCT
fsr-3236	187	76	*	*	PUNCT
fsr-3236	187	77	0.602	0.602	NUM
fsr-3236	187	78	*	*	PUNCT
fsr-3236	187	79	*	*	PUNCT
fsr-3236	187	80	*	*	PUNCT
fsr-3236	187	81	0.588	0.588	NUM
fsr-3236	187	82	*	*	PUNCT
fsr-3236	187	83	*	*	PUNCT
fsr-3236	187	84	*	*	PUNCT
fsr-3236	187	85	pawn	pawn	NOUN
fsr-3236	187	86	shop	shop	NOUN
fsr-3236	187	87	0.656	0.656	NUM
fsr-3236	187	88	*	*	PUNCT
fsr-3236	187	89	*	*	PUNCT
fsr-3236	187	90	*	*	PUNCT
fsr-3236	187	91	0.804	0.804	NUM
fsr-3236	187	92	*	*	PUNCT
fsr-3236	187	93	*	*	PUNCT
fsr-3236	187	94	*	*	PUNCT
fsr-3236	187	95	0.780	0.780	NUM
fsr-3236	187	96	*	*	NOUN
fsr-3236	187	97	*	*	PUNCT
fsr-3236	187	98	*	*	PUNCT
fsr-3236	187	99	rent	rent	VERB
fsr-3236	187	100	-	-	PUNCT
fsr-3236	187	101	to	to	AUX
fsr-3236	187	102	-	-	PUNCT
fsr-3236	187	103	own	own	VERB
fsr-3236	187	104	0.630	0.630	NUM
fsr-3236	187	105	*	*	PUNCT
fsr-3236	187	106	*	*	PUNCT
fsr-3236	187	107	*	*	PUNCT
fsr-3236	187	108	0.586	0.586	NUM
fsr-3236	187	109	*	*	PUNCT
fsr-3236	187	110	*	*	PUNCT
fsr-3236	187	111	*	*	PUNCT
fsr-3236	187	112	0.769	0.769	NUM
fsr-3236	187	113	*	*	PUNCT
fsr-3236	187	114	*	*	PUNCT
fsr-3236	187	115	*	*	PUNCT
fsr-3236	187	116	logistic	logistic	ADJ
fsr-3236	187	117	regressions	regression	NOUN
fsr-3236	187	118	predicting	predict	VERB
fsr-3236	187	119	financial	financial	ADJ
fsr-3236	187	120	behavior	behavior	NOUN
fsr-3236	187	121	whereby	whereby	SCONJ
fsr-3236	187	122	the	the	DET
fsr-3236	187	123	predictor	predictor	NOUN
fsr-3236	187	124	variables	variable	VERB
fsr-3236	187	125	control	control	VERB
fsr-3236	187	126	for	for	ADP
fsr-3236	187	127	gender	gender	NOUN
fsr-3236	187	128	,	,	PUNCT
fsr-3236	187	129	age	age	NOUN
fsr-3236	187	130	,	,	PUNCT
fsr-3236	187	131	education	education	NOUN
fsr-3236	187	132	,	,	PUNCT
fsr-3236	187	133	employment	employment	NOUN
fsr-3236	187	134	status	status	NOUN
fsr-3236	187	135	,	,	PUNCT
fsr-3236	187	136	marital	marital	ADJ
fsr-3236	187	137	status	status	NOUN
fsr-3236	187	138	,	,	PUNCT
fsr-3236	187	139	income	income	NOUN
fsr-3236	187	140	,	,	PUNCT
fsr-3236	187	141	income	income	NOUN
fsr-3236	187	142	-	-	PUNCT
fsr-3236	187	143	drop	drop	NOUN
fsr-3236	187	144	,	,	PUNCT
fsr-3236	187	145	and	and	CCONJ
fsr-3236	187	146	risk	risk	NOUN
fsr-3236	187	147	tolerance	tolerance	NOUN
fsr-3236	187	148	.	.	PUNCT
fsr-3236	188	1	the	the	DET
fsr-3236	188	2	dependent	dependent	ADJ
fsr-3236	188	3	variables	variable	NOUN
fsr-3236	188	4	are	be	AUX
fsr-3236	188	5	listed	list	VERB
fsr-3236	188	6	vertically	vertically	ADV
fsr-3236	188	7	and	and	CCONJ
fsr-3236	188	8	represent	represent	VERB
fsr-3236	188	9	the	the	DET
fsr-3236	188	10	financial	financial	ADJ
fsr-3236	188	11	behaviors	behavior	NOUN
fsr-3236	188	12	(	(	PUNCT
fsr-3236	188	13	0	0	NUM
fsr-3236	188	14	�	�	PROPN
fsr-3236	188	15	did	do	AUX
fsr-3236	188	16	not	not	PART
fsr-3236	188	17	engage	engage	VERB
fsr-3236	188	18	in	in	ADP
fsr-3236	188	19	behavior	behavior	NOUN
fsr-3236	188	20	;	;	PUNCT
fsr-3236	188	21	1	1	NUM
fsr-3236	188	22	�	�	NOUN
fsr-3236	188	23	engaged	engage	VERB
fsr-3236	188	24	in	in	ADP
fsr-3236	188	25	behavior	behavior	NOUN
fsr-3236	188	26	)	)	PUNCT
fsr-3236	188	27	,	,	PUNCT
fsr-3236	188	28	which	which	PRON
fsr-3236	188	29	are	be	AUX
fsr-3236	188	30	detailed	detail	VERB
fsr-3236	188	31	in	in	ADP
fsr-3236	188	32	the	the	DET
fsr-3236	188	33	appendix	appendix	NOUN
fsr-3236	188	34	.	.	PUNCT
fsr-3236	189	1	the	the	DET
fsr-3236	189	2	odds	odd	NOUN
fsr-3236	189	3	ratio	ratio	NOUN
fsr-3236	189	4	for	for	ADP
fsr-3236	189	5	three	three	NUM
fsr-3236	189	6	financial	financial	ADJ
fsr-3236	189	7	knowledge	knowledge	NOUN
fsr-3236	189	8	groups	group	NOUN
fsr-3236	189	9	is	be	AUX
fsr-3236	189	10	reported	report	VERB
fsr-3236	189	11	,	,	PUNCT
fsr-3236	189	12	a	a	DET
fsr-3236	189	13	ratio	ratio	NOUN
fsr-3236	189	14	of	of	ADP
fsr-3236	189	15	the	the	DET
fsr-3236	189	16	likelihood	likelihood	NOUN
fsr-3236	189	17	of	of	ADP
fsr-3236	189	18	an	an	DET
fsr-3236	189	19	event	event	NOUN
fsr-3236	189	20	occurring	occur	VERB
fsr-3236	189	21	in	in	ADP
fsr-3236	189	22	one	one	NUM
fsr-3236	189	23	group	group	NOUN
fsr-3236	189	24	to	to	ADP
fsr-3236	189	25	the	the	DET
fsr-3236	189	26	likelihood	likelihood	NOUN
fsr-3236	189	27	of	of	ADP
fsr-3236	189	28	the	the	DET
fsr-3236	189	29	same	same	ADJ
fsr-3236	189	30	event	event	NOUN
fsr-3236	189	31	occurring	occur	VERB
fsr-3236	189	32	in	in	ADP
fsr-3236	189	33	another	another	DET
fsr-3236	189	34	group	group	NOUN
fsr-3236	189	35	.	.	PUNCT
fsr-3236	190	1	the	the	DET
fsr-3236	190	2	omitted	omit	VERB
fsr-3236	190	3	variable	variable	NOUN
fsr-3236	190	4	is	be	AUX
fsr-3236	190	5	the	the	DET
fsr-3236	190	6	low	low	ADJ
fsr-3236	190	7	actual	actual	ADJ
fsr-3236	190	8	knowledge	knowledge	NOUN
fsr-3236	190	9	and	and	CCONJ
fsr-3236	190	10	high	high	ADJ
fsr-3236	190	11	confidence	confidence	NOUN
fsr-3236	190	12	group	group	NOUN
fsr-3236	190	13	.	.	PUNCT
fsr-3236	191	1	the	the	DET
fsr-3236	191	2	odd	odd	ADJ
fsr-3236	191	3	ratios	ratio	NOUN
fsr-3236	191	4	of	of	ADP
fsr-3236	191	5	the	the	DET
fsr-3236	191	6	three	three	NUM
fsr-3236	191	7	reported	report	VERB
fsr-3236	191	8	knowledge	knowledge	NOUN
fsr-3236	191	9	groups	group	NOUN
fsr-3236	191	10	are	be	AUX
fsr-3236	191	11	interpreted	interpret	VERB
fsr-3236	191	12	in	in	ADP
fsr-3236	191	13	reference	reference	NOUN
fsr-3236	191	14	to	to	ADP
fsr-3236	191	15	this	this	DET
fsr-3236	191	16	omitted	omit	VERB
fsr-3236	191	17	group	group	NOUN
fsr-3236	191	18	.	.	PUNCT
fsr-3236	192	1	the	the	DET
fsr-3236	192	2	results	result	NOUN
fsr-3236	192	3	for	for	ADP
fsr-3236	192	4	the	the	DET
fsr-3236	192	5	control	control	NOUN
fsr-3236	192	6	variables	variable	NOUN
fsr-3236	192	7	are	be	AUX
fsr-3236	192	8	not	not	PART
fsr-3236	192	9	reported	report	VERB
fsr-3236	192	10	.	.	PUNCT
fsr-3236	193	1	*	*	PUNCT
fsr-3236	194	1	*	*	PUNCT
fsr-3236	194	2	*	*	PUNCT
fsr-3236	194	3	,	,	PUNCT
fsr-3236	194	4	*	*	PUNCT
fsr-3236	194	5	*	*	PUNCT
fsr-3236	194	6	,	,	PUNCT
fsr-3236	194	7	and	and	CCONJ
fsr-3236	194	8	*	*	AUX
fsr-3236	194	9	represent	represent	VERB
fsr-3236	194	10	statistical	statistical	ADJ
fsr-3236	194	11	significance	significance	NOUN
fsr-3236	194	12	at	at	ADP
fsr-3236	194	13	the	the	DET
fsr-3236	194	14	1	1	NUM
fsr-3236	194	15	%	%	NOUN
fsr-3236	194	16	,	,	PUNCT
fsr-3236	194	17	5	5	NUM
fsr-3236	194	18	%	%	NOUN
fsr-3236	194	19	,	,	PUNCT
fsr-3236	194	20	and	and	CCONJ
fsr-3236	194	21	10	10	NUM
fsr-3236	194	22	%	%	NOUN
fsr-3236	194	23	levels	level	NOUN
fsr-3236	194	24	,	,	PUNCT
fsr-3236	194	25	respectively	respectively	ADV
fsr-3236	194	26	.	.	PUNCT
fsr-3236	195	1	111c.t	111c.t	NUM
fsr-3236	195	2	.	.	PUNCT
fsr-3236	196	1	asaad	asaad	PROPN
fsr-3236	196	2	/	/	SYM
fsr-3236	196	3	financial	financial	ADJ
fsr-3236	196	4	services	service	NOUN
fsr-3236	196	5	review	review	VERB
fsr-3236	196	6	24	24	NUM
fsr-3236	196	7	(	(	PUNCT
fsr-3236	196	8	2015	2015	NUM
fsr-3236	196	9	)	)	PUNCT
fsr-3236	196	10	101–117	101–117	NUM
fsr-3236	196	11	and	and	CCONJ
fsr-3236	196	12	low	low	ADJ
fsr-3236	196	13	actual	actual	ADJ
fsr-3236	196	14	knowledge	knowledge	NOUN
fsr-3236	196	15	are	be	AUX
fsr-3236	196	16	about	about	ADV
fsr-3236	196	17	25	25	NUM
fsr-3236	196	18	%	%	NOUN
fsr-3236	196	19	less	less	ADV
fsr-3236	196	20	likely	likely	ADJ
fsr-3236	196	21	to	to	PART
fsr-3236	196	22	have	have	AUX
fsr-3236	196	23	obtained	obtain	VERB
fsr-3236	196	24	a	a	DET
fsr-3236	196	25	payday	payday	NOUN
fsr-3236	196	26	loan	loan	NOUN
fsr-3236	196	27	and	and	CCONJ
fsr-3236	196	28	22	22	NUM
fsr-3236	196	29	%	%	NOUN
fsr-3236	196	30	less	less	ADV
fsr-3236	196	31	likely	likely	ADJ
fsr-3236	196	32	to	to	PART
fsr-3236	196	33	have	have	AUX
fsr-3236	196	34	taken	take	VERB
fsr-3236	196	35	a	a	DET
fsr-3236	196	36	tax	tax	NOUN
fsr-3236	196	37	advance	advance	NOUN
fsr-3236	196	38	.	.	PUNCT
fsr-3236	197	1	because	because	SCONJ
fsr-3236	197	2	actual	actual	ADJ
fsr-3236	197	3	knowledge	knowledge	NOUN
fsr-3236	197	4	is	be	AUX
fsr-3236	197	5	low	low	ADJ
fsr-3236	197	6	across	across	ADP
fsr-3236	197	7	these	these	DET
fsr-3236	197	8	two	two	NUM
fsr-3236	197	9	groups	group	NOUN
fsr-3236	197	10	,	,	PUNCT
fsr-3236	197	11	the	the	DET
fsr-3236	197	12	increased	increase	VERB
fsr-3236	197	13	propensity	propensity	NOUN
fsr-3236	197	14	to	to	PART
fsr-3236	197	15	engage	engage	VERB
fsr-3236	197	16	in	in	ADP
fsr-3236	197	17	these	these	DET
fsr-3236	197	18	risky	risky	ADJ
fsr-3236	197	19	behaviors	behavior	NOUN
fsr-3236	197	20	is	be	AUX
fsr-3236	197	21	because	because	SCONJ
fsr-3236	197	22	of	of	ADP
fsr-3236	197	23	the	the	DET
fsr-3236	197	24	high	high	ADV
fsr-3236	197	25	-	-	PUNCT
fsr-3236	197	26	perceived	perceive	VERB
fsr-3236	197	27	knowledge	knowledge	NOUN
fsr-3236	197	28	(	(	PUNCT
fsr-3236	197	29	confidence	confidence	NOUN
fsr-3236	197	30	)	)	PUNCT
fsr-3236	197	31	,	,	PUNCT
fsr-3236	197	32	that	that	ADV
fsr-3236	197	33	is	is	ADV
fsr-3236	197	34	,	,	PUNCT
fsr-3236	197	35	overconfidence	overconfidence	NOUN
fsr-3236	197	36	.	.	PUNCT
fsr-3236	198	1	as	as	ADP
fsr-3236	198	2	a	a	DET
fsr-3236	198	3	robustness	robustness	NOUN
fsr-3236	198	4	check	check	NOUN
fsr-3236	198	5	,	,	PUNCT
fsr-3236	198	6	table	table	NOUN
fsr-3236	198	7	7	7	NUM
fsr-3236	198	8	reconsiders	reconsider	VERB
fsr-3236	198	9	the	the	DET
fsr-3236	198	10	regressions	regression	NOUN
fsr-3236	198	11	in	in	ADP
fsr-3236	198	12	table	table	NOUN
fsr-3236	198	13	6	6	NUM
fsr-3236	198	14	,	,	PUNCT
fsr-3236	198	15	but	but	CCONJ
fsr-3236	198	16	instead	instead	ADV
fsr-3236	198	17	of	of	ADP
fsr-3236	198	18	using	use	VERB
fsr-3236	198	19	the	the	DET
fsr-3236	198	20	four	four	NUM
fsr-3236	198	21	knowledge	knowledge	NOUN
fsr-3236	198	22	groups	group	NOUN
fsr-3236	198	23	as	as	ADP
fsr-3236	198	24	predictor	predictor	NOUN
fsr-3236	198	25	variables	variable	NOUN
fsr-3236	198	26	,	,	PUNCT
fsr-3236	198	27	standardized	standardize	VERB
fsr-3236	198	28	continuous	continuous	ADJ
fsr-3236	198	29	variables	variable	NOUN
fsr-3236	198	30	are	be	AUX
fsr-3236	198	31	used	use	VERB
fsr-3236	198	32	to	to	PART
fsr-3236	198	33	measure	measure	VERB
fsr-3236	198	34	knowledge	knowledge	NOUN
fsr-3236	198	35	and	and	CCONJ
fsr-3236	198	36	confidence	confidence	NOUN
fsr-3236	198	37	.	.	PUNCT
fsr-3236	199	1	an	an	DET
fsr-3236	199	2	interaction	interaction	NOUN
fsr-3236	199	3	term	term	NOUN
fsr-3236	199	4	,	,	PUNCT
fsr-3236	199	5	knowledge*confidence	knowledge*confidence	NOUN
fsr-3236	199	6	,	,	PUNCT
fsr-3236	199	7	considers	consider	VERB
fsr-3236	199	8	the	the	DET
fsr-3236	199	9	relation	relation	NOUN
fsr-3236	199	10	between	between	ADP
fsr-3236	199	11	the	the	DET
fsr-3236	199	12	two	two	NUM
fsr-3236	199	13	financial	financial	ADJ
fsr-3236	199	14	literacy	literacy	NOUN
fsr-3236	199	15	components	component	NOUN
fsr-3236	199	16	.	.	PUNCT
fsr-3236	200	1	the	the	DET
fsr-3236	200	2	statistically	statistically	ADV
fsr-3236	200	3	significant	significant	ADJ
fsr-3236	200	4	interaction	interaction	NOUN
fsr-3236	200	5	terms	term	NOUN
fsr-3236	200	6	in	in	ADP
fsr-3236	200	7	table	table	NOUN
fsr-3236	200	8	7	7	NUM
fsr-3236	200	9	indicate	indicate	VERB
fsr-3236	200	10	that	that	SCONJ
fsr-3236	200	11	confidence	confidence	NOUN
fsr-3236	200	12	influences	influence	VERB
fsr-3236	200	13	the	the	DET
fsr-3236	200	14	relationship	relationship	NOUN
fsr-3236	200	15	between	between	ADP
fsr-3236	200	16	knowledge	knowledge	NOUN
fsr-3236	200	17	and	and	CCONJ
fsr-3236	200	18	financial	financial	ADJ
fsr-3236	200	19	behavior	behavior	NOUN
fsr-3236	200	20	,	,	PUNCT
fsr-3236	200	21	affecting	affect	VERB
fsr-3236	200	22	the	the	DET
fsr-3236	200	23	strength	strength	NOUN
fsr-3236	200	24	and/or	and/or	CCONJ
fsr-3236	200	25	direction	direction	NOUN
fsr-3236	200	26	of	of	ADP
fsr-3236	200	27	the	the	DET
fsr-3236	200	28	relationship	relationship	NOUN
fsr-3236	200	29	.	.	PUNCT
fsr-3236	201	1	fig	fig	NOUN
fsr-3236	201	2	.	.	PUNCT
fsr-3236	202	1	1	1	NUM
fsr-3236	202	2	illustrates	illustrate	VERB
fsr-3236	202	3	one	one	NUM
fsr-3236	202	4	of	of	ADP
fsr-3236	202	5	the	the	DET
fsr-3236	202	6	interactions	interaction	NOUN
fsr-3236	202	7	from	from	ADP
fsr-3236	202	8	table	table	NOUN
fsr-3236	202	9	7	7	NUM
fsr-3236	202	10	,	,	PUNCT
fsr-3236	202	11	how	how	SCONJ
fsr-3236	202	12	confidence	confidence	NOUN
fsr-3236	202	13	affects	affect	VERB
fsr-3236	202	14	the	the	DET
fsr-3236	202	15	use	use	NOUN
fsr-3236	202	16	of	of	ADP
fsr-3236	202	17	payday	payday	NOUN
fsr-3236	202	18	loans	loan	NOUN
fsr-3236	202	19	.	.	PUNCT
fsr-3236	203	1	the	the	DET
fsr-3236	203	2	slope	slope	NOUN
fsr-3236	203	3	of	of	ADP
fsr-3236	203	4	the	the	DET
fsr-3236	203	5	high	high	ADJ
fsr-3236	203	6	confidence	confidence	NOUN
fsr-3236	203	7	line	line	NOUN
fsr-3236	203	8	is	be	AUX
fsr-3236	203	9	steeper	steep	ADJ
fsr-3236	203	10	than	than	ADP
fsr-3236	203	11	the	the	DET
fsr-3236	203	12	low	low	ADJ
fsr-3236	203	13	confidence	confidence	NOUN
fsr-3236	203	14	line	line	NOUN
fsr-3236	203	15	indicating	indicate	VERB
fsr-3236	203	16	that	that	SCONJ
fsr-3236	203	17	the	the	DET
fsr-3236	203	18	affect	affect	NOUN
fsr-3236	203	19	of	of	ADP
fsr-3236	203	20	knowledge	knowledge	NOUN
fsr-3236	203	21	on	on	ADP
fsr-3236	203	22	payday	payday	NOUN
fsr-3236	203	23	loan	loan	NOUN
fsr-3236	203	24	behavior	behavior	NOUN
fsr-3236	203	25	is	be	AUX
fsr-3236	203	26	different	different	ADJ
fsr-3236	203	27	for	for	ADP
fsr-3236	203	28	different	different	ADJ
fsr-3236	203	29	confidence	confidence	NOUN
fsr-3236	203	30	levels	level	NOUN
fsr-3236	203	31	.	.	PUNCT
fsr-3236	204	1	when	when	SCONJ
fsr-3236	204	2	knowledge	knowledge	NOUN
fsr-3236	204	3	is	be	AUX
fsr-3236	204	4	low	low	ADJ
fsr-3236	204	5	,	,	PUNCT
fsr-3236	204	6	those	those	PRON
fsr-3236	204	7	with	with	ADP
fsr-3236	204	8	high	high	ADJ
fsr-3236	204	9	confidence	confidence	NOUN
fsr-3236	204	10	are	be	AUX
fsr-3236	204	11	more	more	ADV
fsr-3236	204	12	likely	likely	ADJ
fsr-3236	204	13	to	to	PART
fsr-3236	204	14	engage	engage	VERB
fsr-3236	204	15	in	in	ADP
fsr-3236	204	16	the	the	DET
fsr-3236	204	17	risky	risky	ADJ
fsr-3236	204	18	behavior	behavior	NOUN
fsr-3236	204	19	and	and	CCONJ
fsr-3236	204	20	when	when	SCONJ
fsr-3236	204	21	knowledge	knowledge	NOUN
fsr-3236	204	22	is	be	AUX
fsr-3236	204	23	high	high	ADJ
fsr-3236	204	24	,	,	PUNCT
fsr-3236	204	25	those	those	PRON
fsr-3236	204	26	with	with	ADP
fsr-3236	204	27	high	high	ADJ
fsr-3236	204	28	confidence	confidence	NOUN
fsr-3236	204	29	are	be	AUX
fsr-3236	204	30	less	less	ADV
fsr-3236	204	31	likely	likely	ADJ
fsr-3236	204	32	to	to	PART
fsr-3236	204	33	engage	engage	VERB
fsr-3236	204	34	in	in	ADP
fsr-3236	204	35	the	the	DET
fsr-3236	204	36	risky	risky	ADJ
fsr-3236	204	37	behavior	behavior	NOUN
fsr-3236	204	38	.	.	PUNCT
fsr-3236	205	1	this	this	PRON
fsr-3236	205	2	illustrates	illustrate	VERB
fsr-3236	205	3	that	that	SCONJ
fsr-3236	205	4	confidence	confidence	NOUN
fsr-3236	205	5	is	be	AUX
fsr-3236	205	6	good	good	ADJ
fsr-3236	205	7	,	,	PUNCT
fsr-3236	205	8	but	but	CCONJ
fsr-3236	205	9	too	too	ADV
fsr-3236	205	10	much	much	ADJ
fsr-3236	205	11	confidence	confidence	NOUN
fsr-3236	205	12	is	be	AUX
fsr-3236	205	13	harmful	harmful	ADJ
fsr-3236	205	14	.	.	PUNCT
fsr-3236	206	1	this	this	DET
fsr-3236	206	2	link	link	NOUN
fsr-3236	206	3	between	between	ADP
fsr-3236	206	4	overconfidence	overconfidence	NOUN
fsr-3236	206	5	and	and	CCONJ
fsr-3236	206	6	risky	risky	ADJ
fsr-3236	206	7	behaviors	behavior	NOUN
fsr-3236	206	8	helps	help	VERB
fsr-3236	206	9	elucidate	elucidate	VERB
fsr-3236	206	10	the	the	DET
fsr-3236	206	11	discrepancy	discrepancy	NOUN
fsr-3236	206	12	that	that	DET
fsr-3236	206	13	parker	parker	PROPN
fsr-3236	206	14	,	,	PUNCT
fsr-3236	206	15	bruin	bruin	NOUN
fsr-3236	206	16	,	,	PUNCT
fsr-3236	206	17	yoong	yoong	PROPN
fsr-3236	206	18	,	,	PUNCT
fsr-3236	206	19	and	and	CCONJ
fsr-3236	206	20	willis	willis	PROPN
fsr-3236	206	21	(	(	PUNCT
fsr-3236	206	22	2012	2012	NUM
fsr-3236	206	23	)	)	PUNCT
fsr-3236	206	24	could	could	AUX
fsr-3236	206	25	not	not	PART
fsr-3236	206	26	explain	explain	VERB
fsr-3236	206	27	:	:	PUNCT
fsr-3236	206	28	they	they	PRON
fsr-3236	206	29	found	find	VERB
fsr-3236	206	30	that	that	SCONJ
fsr-3236	206	31	confidence	confidence	NOUN
fsr-3236	206	32	is	be	AUX
fsr-3236	206	33	positively	positively	ADV
fsr-3236	206	34	associated	associate	VERB
fsr-3236	206	35	with	with	ADP
fsr-3236	206	36	“	"	PUNCT
fsr-3236	206	37	good	good	ADJ
fsr-3236	206	38	”	"	PUNCT
fsr-3236	206	39	financial	financial	ADJ
fsr-3236	206	40	decisions	decision	NOUN
fsr-3236	206	41	,	,	PUNCT
fsr-3236	206	42	yet	yet	CCONJ
fsr-3236	206	43	prior	prior	ADJ
fsr-3236	206	44	research	research	NOUN
fsr-3236	206	45	demonstrates	demonstrate	VERB
fsr-3236	206	46	a	a	DET
fsr-3236	206	47	negative	negative	ADJ
fsr-3236	206	48	association	association	NOUN
fsr-3236	206	49	between	between	ADP
fsr-3236	206	50	overconfidence	overconfidence	NOUN
fsr-3236	206	51	and	and	CCONJ
fsr-3236	206	52	trading	trading	NOUN
fsr-3236	206	53	behaviors	behavior	NOUN
fsr-3236	206	54	(	(	PUNCT
fsr-3236	206	55	e.g.	e.g.	ADV
fsr-3236	206	56	,	,	PUNCT
fsr-3236	206	57	barber	barber	NOUN
fsr-3236	206	58	and	and	CCONJ
fsr-3236	206	59	odean	odean	ADJ
fsr-3236	206	60	,	,	PUNCT
fsr-3236	206	61	2000	2000	NUM
fsr-3236	206	62	;	;	PUNCT
fsr-3236	206	63	grinblatt	grinblatt	NOUN
fsr-3236	206	64	and	and	CCONJ
fsr-3236	206	65	keloharju	keloharju	NOUN
fsr-3236	206	66	,	,	PUNCT
fsr-3236	206	67	2009	2009	NUM
fsr-3236	206	68	)	)	PUNCT
fsr-3236	206	69	.	.	PUNCT
fsr-3236	207	1	people	people	NOUN
fsr-3236	207	2	tend	tend	VERB
fsr-3236	207	3	to	to	PART
fsr-3236	207	4	have	have	VERB
fsr-3236	207	5	unrealistic	unrealistic	ADJ
fsr-3236	207	6	self	self	NOUN
fsr-3236	207	7	-	-	PUNCT
fsr-3236	207	8	perceptions	perception	NOUN
fsr-3236	207	9	,	,	PUNCT
fsr-3236	207	10	but	but	CCONJ
fsr-3236	207	11	these	these	DET
fsr-3236	207	12	positive	positive	ADJ
fsr-3236	207	13	-	-	PUNCT
fsr-3236	207	14	illusions	illusion	NOUN
fsr-3236	207	15	can	can	AUX
fsr-3236	207	16	be	be	AUX
fsr-3236	207	17	advantageous	advantageous	ADJ
fsr-3236	207	18	(	(	PUNCT
fsr-3236	207	19	sedikides	sedikide	NOUN
fsr-3236	207	20	,	,	PUNCT
fsr-3236	207	21	1993	1993	NUM
fsr-3236	207	22	)	)	PUNCT
fsr-3236	207	23	.	.	PUNCT
fsr-3236	208	1	this	this	DET
fsr-3236	208	2	self	self	NOUN
fsr-3236	208	3	-	-	PUNCT
fsr-3236	208	4	efficacy	efficacy	NOUN
fsr-3236	208	5	gives	give	VERB
fsr-3236	208	6	individuals	individual	NOUN
fsr-3236	208	7	the	the	DET
fsr-3236	208	8	confidence	confidence	NOUN
fsr-3236	208	9	to	to	PART
fsr-3236	208	10	act	act	VERB
fsr-3236	208	11	(	(	PUNCT
fsr-3236	208	12	bandura	bandura	NOUN
fsr-3236	208	13	,	,	PUNCT
fsr-3236	208	14	1997	1997	NUM
fsr-3236	208	15	)	)	PUNCT
fsr-3236	208	16	.	.	PUNCT
fsr-3236	209	1	thus	thus	ADV
fsr-3236	209	2	,	,	PUNCT
fsr-3236	209	3	as	as	SCONJ
fsr-3236	209	4	parker	parker	PROPN
fsr-3236	209	5	,	,	PUNCT
fsr-3236	209	6	bruin	bruin	NOUN
fsr-3236	209	7	,	,	PUNCT
fsr-3236	209	8	yoong	yoong	PROPN
fsr-3236	209	9	,	,	PUNCT
fsr-3236	209	10	and	and	CCONJ
fsr-3236	209	11	willis	willis	PROPN
fsr-3236	209	12	(	(	PUNCT
fsr-3236	209	13	2012	2012	NUM
fsr-3236	209	14	,	,	PUNCT
fsr-3236	209	15	p.	p.	NOUN
fsr-3236	209	16	387	387	NUM
fsr-3236	209	17	)	)	PUNCT
fsr-3236	209	18	suggest	suggest	VERB
fsr-3236	209	19	,	,	PUNCT
fsr-3236	209	20	“	"	PUNCT
fsr-3236	209	21	confidence	confidence	NOUN
fsr-3236	209	22	may	may	AUX
fsr-3236	209	23	play	play	VERB
fsr-3236	209	24	a	a	DET
fsr-3236	209	25	role	role	NOUN
fsr-3236	209	26	in	in	ADP
fsr-3236	209	27	reducing	reduce	VERB
fsr-3236	209	28	hesitation	hesitation	NOUN
fsr-3236	209	29	and	and	CCONJ
fsr-3236	209	30	increasing	increase	VERB
fsr-3236	209	31	risk	risk	NOUN
fsr-3236	209	32	taking	taking	NOUN
fsr-3236	209	33	.	.	PUNCT
fsr-3236	209	34	”	"	PUNCT
fsr-3236	210	1	however	however	ADV
fsr-3236	210	2	,	,	PUNCT
fsr-3236	210	3	in	in	ADP
fsr-3236	210	4	some	some	DET
fsr-3236	210	5	financial	financial	ADJ
fsr-3236	210	6	circumstances	circumstance	NOUN
fsr-3236	210	7	,	,	PUNCT
fsr-3236	210	8	inaccurately	inaccurately	ADV
fsr-3236	210	9	assessing	assess	VERB
fsr-3236	210	10	the	the	DET
fsr-3236	210	11	level	level	NOUN
fsr-3236	210	12	of	of	ADP
fsr-3236	210	13	risk	risk	NOUN
fsr-3236	210	14	table	table	NOUN
fsr-3236	210	15	7	7	NUM
fsr-3236	210	16	robustness	robustness	NOUN
fsr-3236	210	17	checks	check	NOUN
fsr-3236	210	18	overconfidence	overconfidence	NOUN
fsr-3236	210	19	measure	measure	NOUN
fsr-3236	210	20	knowledge	knowledge	NOUN
fsr-3236	210	21	confidence	confidence	NOUN
fsr-3236	210	22	knowledge*confidence	knowledge*confidence	NOUN
fsr-3236	210	23	risky	risky	ADJ
fsr-3236	210	24	,	,	PUNCT
fsr-3236	210	25	high	high	ADJ
fsr-3236	210	26	-	-	PUNCT
fsr-3236	210	27	cost	cost	NOUN
fsr-3236	210	28	behaviors	behavior	NOUN
fsr-3236	210	29	title	title	NOUN
fsr-3236	210	30	-	-	PUNCT
fsr-3236	210	31	loan	loan	NOUN
fsr-3236	210	32	0.673	0.673	NUM
fsr-3236	210	33	*	*	PUNCT
fsr-3236	210	34	*	*	PUNCT
fsr-3236	210	35	*	*	PUNCT
fsr-3236	210	36	1.060	1.060	NUM
fsr-3236	210	37	*	*	X
fsr-3236	210	38	*	*	NOUN
fsr-3236	210	39	0.897	0.897	NUM
fsr-3236	210	40	*	*	PUNCT
fsr-3236	210	41	*	*	PUNCT
fsr-3236	210	42	*	*	NOUN
fsr-3236	210	43	pay	pay	NOUN
fsr-3236	210	44	-	-	PUNCT
fsr-3236	210	45	day	day	NOUN
fsr-3236	210	46	loan	loan	NOUN
fsr-3236	210	47	0.713	0.713	NUM
fsr-3236	210	48	*	*	PUNCT
fsr-3236	210	49	*	*	PUNCT
fsr-3236	210	50	*	*	PUNCT
fsr-3236	210	51	0.966	0.966	NUM
fsr-3236	210	52	0.923	0.923	NUM
fsr-3236	210	53	*	*	PUNCT
fsr-3236	210	54	*	*	PUNCT
fsr-3236	210	55	*	*	PUNCT
fsr-3236	210	56	tax	tax	NOUN
fsr-3236	210	57	advance	advance	NOUN
fsr-3236	210	58	0.652	0.652	PRON
fsr-3236	210	59	*	*	X
fsr-3236	210	60	*	*	PUNCT
fsr-3236	210	61	*	*	PUNCT
fsr-3236	210	62	1.066	1.066	NUM
fsr-3236	210	63	*	*	PUNCT
fsr-3236	210	64	*	*	PUNCT
fsr-3236	210	65	0.886	0.886	PUNCT
fsr-3236	210	66	*	*	PUNCT
fsr-3236	210	67	*	*	PUNCT
fsr-3236	210	68	*	*	PUNCT
fsr-3236	210	69	pawn	pawn	NOUN
fsr-3236	210	70	shop	shop	NOUN
fsr-3236	210	71	0.770	0.770	NOUN
fsr-3236	210	72	*	*	PUNCT
fsr-3236	210	73	*	*	PUNCT
fsr-3236	210	74	*	*	PUNCT
fsr-3236	210	75	0.949	0.949	NUM
fsr-3236	210	76	*	*	PUNCT
fsr-3236	210	77	*	*	NOUN
fsr-3236	210	78	0.926	0.926	NUM
fsr-3236	210	79	*	*	PUNCT
fsr-3236	210	80	*	*	PUNCT
fsr-3236	210	81	*	*	PUNCT
fsr-3236	210	82	rent	rent	NOUN
fsr-3236	210	83	-	-	PUNCT
fsr-3236	210	84	to	to	ADP
fsr-3236	210	85	-	-	PUNCT
fsr-3236	210	86	own	own	ADJ
fsr-3236	210	87	0.667	0.667	NUM
fsr-3236	210	88	*	*	NOUN
fsr-3236	210	89	*	*	PUNCT
fsr-3236	210	90	*	*	PUNCT
fsr-3236	210	91	1.074	1.074	NUM
fsr-3236	210	92	*	*	PUNCT
fsr-3236	210	93	*	*	PUNCT
fsr-3236	210	94	*	*	PUNCT
fsr-3236	210	95	0.884	0.884	PRON
fsr-3236	210	96	*	*	PUNCT
fsr-3236	210	97	*	*	PUNCT
fsr-3236	210	98	*	*	PUNCT
fsr-3236	210	99	the	the	DET
fsr-3236	210	100	logistic	logistic	ADJ
fsr-3236	210	101	regressions	regression	NOUN
fsr-3236	210	102	from	from	ADP
fsr-3236	210	103	table	table	NOUN
fsr-3236	210	104	6	6	NUM
fsr-3236	210	105	are	be	AUX
fsr-3236	210	106	reconsidered	reconsider	VERB
fsr-3236	210	107	.	.	PUNCT
fsr-3236	211	1	instead	instead	ADV
fsr-3236	211	2	of	of	ADP
fsr-3236	211	3	using	use	VERB
fsr-3236	211	4	the	the	DET
fsr-3236	211	5	four	four	NUM
fsr-3236	211	6	knowledge	knowledge	NOUN
fsr-3236	211	7	groups	group	NOUN
fsr-3236	211	8	,	,	PUNCT
fsr-3236	211	9	continuous	continuous	ADJ
fsr-3236	211	10	variables	variable	NOUN
fsr-3236	211	11	are	be	AUX
fsr-3236	211	12	used	use	VERB
fsr-3236	211	13	for	for	ADP
fsr-3236	211	14	financial	financial	ADJ
fsr-3236	211	15	knowledge	knowledge	NOUN
fsr-3236	211	16	and	and	CCONJ
fsr-3236	211	17	financial	financial	ADJ
fsr-3236	211	18	confidence	confidence	NOUN
fsr-3236	211	19	.	.	PUNCT
fsr-3236	212	1	the	the	DET
fsr-3236	212	2	financial	financial	ADJ
fsr-3236	212	3	knowledge	knowledge	NOUN
fsr-3236	212	4	measure	measure	NOUN
fsr-3236	212	5	reflects	reflect	VERB
fsr-3236	212	6	the	the	DET
fsr-3236	212	7	number	number	NOUN
fsr-3236	212	8	of	of	ADP
fsr-3236	212	9	correctly	correctly	ADV
fsr-3236	212	10	answered	answer	VERB
fsr-3236	212	11	questions	question	NOUN
fsr-3236	212	12	,	,	PUNCT
fsr-3236	212	13	and	and	CCONJ
fsr-3236	212	14	thus	thus	ADV
fsr-3236	212	15	ranges	range	VERB
fsr-3236	212	16	from	from	ADP
fsr-3236	212	17	0	0	NUM
fsr-3236	212	18	to	to	ADP
fsr-3236	212	19	5	5	NUM
fsr-3236	212	20	.	.	PUNCT
fsr-3236	213	1	the	the	DET
fsr-3236	213	2	overall	overall	ADJ
fsr-3236	213	3	confidence	confidence	NOUN
fsr-3236	213	4	measure	measure	NOUN
fsr-3236	213	5	(	(	PUNCT
fsr-3236	213	6	1–7	1–7	NUM
fsr-3236	213	7	)	)	PUNCT
fsr-3236	213	8	is	be	AUX
fsr-3236	213	9	considered	consider	VERB
fsr-3236	213	10	.	.	PUNCT
fsr-3236	214	1	in	in	ADP
fsr-3236	214	2	all	all	DET
fsr-3236	214	3	regressions	regression	NOUN
fsr-3236	214	4	,	,	PUNCT
fsr-3236	214	5	both	both	CCONJ
fsr-3236	214	6	the	the	DET
fsr-3236	214	7	financial	financial	ADJ
fsr-3236	214	8	knowledge	knowledge	NOUN
fsr-3236	214	9	variable	variable	NOUN
fsr-3236	214	10	and	and	CCONJ
fsr-3236	214	11	the	the	DET
fsr-3236	214	12	financial	financial	ADJ
fsr-3236	214	13	confidence	confidence	NOUN
fsr-3236	214	14	variable	variable	NOUN
fsr-3236	214	15	are	be	AUX
fsr-3236	214	16	standardized	standardize	VERB
fsr-3236	214	17	.	.	PUNCT
fsr-3236	215	1	an	an	DET
fsr-3236	215	2	interaction	interaction	NOUN
fsr-3236	215	3	term	term	NOUN
fsr-3236	215	4	,	,	PUNCT
fsr-3236	215	5	knowledge*confidence	knowledge*confidence	NOUN
fsr-3236	215	6	,	,	PUNCT
fsr-3236	215	7	considers	consider	VERB
fsr-3236	215	8	the	the	DET
fsr-3236	215	9	relation	relation	NOUN
fsr-3236	215	10	between	between	ADP
fsr-3236	215	11	the	the	DET
fsr-3236	215	12	two	two	NUM
fsr-3236	215	13	financial	financial	ADJ
fsr-3236	215	14	literacy	literacy	NOUN
fsr-3236	215	15	components	component	NOUN
fsr-3236	215	16	,	,	PUNCT
fsr-3236	215	17	knowledge	knowledge	NOUN
fsr-3236	215	18	,	,	PUNCT
fsr-3236	215	19	and	and	CCONJ
fsr-3236	215	20	confidence	confidence	NOUN
fsr-3236	215	21	.	.	PUNCT
fsr-3236	216	1	the	the	DET
fsr-3236	216	2	control	control	NOUN
fsr-3236	216	3	variables	variable	VERB
fsr-3236	216	4	gender	gender	NOUN
fsr-3236	216	5	,	,	PUNCT
fsr-3236	216	6	age	age	NOUN
fsr-3236	216	7	,	,	PUNCT
fsr-3236	216	8	education	education	NOUN
fsr-3236	216	9	,	,	PUNCT
fsr-3236	216	10	employment	employment	NOUN
fsr-3236	216	11	status	status	NOUN
fsr-3236	216	12	,	,	PUNCT
fsr-3236	216	13	marital	marital	ADJ
fsr-3236	216	14	status	status	NOUN
fsr-3236	216	15	,	,	PUNCT
fsr-3236	216	16	income	income	NOUN
fsr-3236	216	17	,	,	PUNCT
fsr-3236	216	18	income	income	NOUN
fsr-3236	216	19	-	-	PUNCT
fsr-3236	216	20	drop	drop	NOUN
fsr-3236	216	21	,	,	PUNCT
fsr-3236	216	22	and	and	CCONJ
fsr-3236	216	23	risk	risk	NOUN
fsr-3236	216	24	tolerance	tolerance	NOUN
fsr-3236	216	25	are	be	AUX
fsr-3236	216	26	not	not	PART
fsr-3236	216	27	reported	report	VERB
fsr-3236	216	28	.	.	PUNCT
fsr-3236	217	1	the	the	DET
fsr-3236	217	2	financial	financial	ADJ
fsr-3236	217	3	behaviors	behavior	NOUN
fsr-3236	217	4	(	(	PUNCT
fsr-3236	217	5	0	0	NUM
fsr-3236	217	6	�	�	PROPN
fsr-3236	217	7	did	do	AUX
fsr-3236	217	8	not	not	PART
fsr-3236	217	9	engage	engage	VERB
fsr-3236	217	10	in	in	ADP
fsr-3236	217	11	behavior	behavior	NOUN
fsr-3236	217	12	;	;	PUNCT
fsr-3236	217	13	1	1	NUM
fsr-3236	217	14	�	�	NOUN
fsr-3236	217	15	engaged	engage	VERB
fsr-3236	217	16	in	in	ADP
fsr-3236	217	17	behavior	behavior	NOUN
fsr-3236	217	18	)	)	PUNCT
fsr-3236	217	19	are	be	AUX
fsr-3236	217	20	listed	list	VERB
fsr-3236	217	21	vertically	vertically	ADV
fsr-3236	217	22	along	along	ADP
fsr-3236	217	23	the	the	DET
fsr-3236	217	24	left	left	ADJ
fsr-3236	217	25	panel	panel	NOUN
fsr-3236	217	26	and	and	CCONJ
fsr-3236	217	27	are	be	AUX
fsr-3236	217	28	detailed	detail	VERB
fsr-3236	217	29	in	in	ADP
fsr-3236	217	30	the	the	DET
fsr-3236	217	31	appendix	appendix	NOUN
fsr-3236	217	32	.	.	PUNCT
fsr-3236	218	1	the	the	DET
fsr-3236	218	2	odds	odd	NOUN
fsr-3236	218	3	ratio	ratio	NOUN
fsr-3236	218	4	represents	represent	VERB
fsr-3236	218	5	reflects	reflect	VERB
fsr-3236	218	6	how	how	SCONJ
fsr-3236	218	7	a	a	DET
fsr-3236	218	8	one	one	NUM
fsr-3236	218	9	standard	standard	ADJ
fsr-3236	218	10	deviation	deviation	NOUN
fsr-3236	218	11	above	above	ADP
fsr-3236	218	12	or	or	CCONJ
fsr-3236	218	13	below	below	ADP
fsr-3236	218	14	the	the	DET
fsr-3236	218	15	average	average	NOUN
fsr-3236	218	16	affects	affect	VERB
fsr-3236	218	17	financial	financial	ADJ
fsr-3236	218	18	behaviors	behavior	NOUN
fsr-3236	218	19	.	.	PUNCT
fsr-3236	219	1	*	*	PUNCT
fsr-3236	220	1	*	*	PUNCT
fsr-3236	220	2	*	*	PUNCT
fsr-3236	220	3	,	,	PUNCT
fsr-3236	220	4	*	*	PUNCT
fsr-3236	220	5	*	*	PUNCT
fsr-3236	220	6	,	,	PUNCT
fsr-3236	220	7	and	and	CCONJ
fsr-3236	220	8	*	*	AUX
fsr-3236	220	9	represent	represent	VERB
fsr-3236	220	10	statistical	statistical	ADJ
fsr-3236	220	11	significance	significance	NOUN
fsr-3236	220	12	at	at	ADP
fsr-3236	220	13	the	the	DET
fsr-3236	220	14	1	1	NUM
fsr-3236	220	15	%	%	NOUN
fsr-3236	220	16	,	,	PUNCT
fsr-3236	220	17	5	5	NUM
fsr-3236	220	18	%	%	NOUN
fsr-3236	220	19	,	,	PUNCT
fsr-3236	220	20	and	and	CCONJ
fsr-3236	220	21	10	10	NUM
fsr-3236	220	22	%	%	NOUN
fsr-3236	220	23	levels	level	NOUN
fsr-3236	220	24	,	,	PUNCT
fsr-3236	220	25	respectively	respectively	ADV
fsr-3236	220	26	.	.	PUNCT
fsr-3236	221	1	112	112	NUM
fsr-3236	221	2	c.t	c.t	PROPN
fsr-3236	221	3	.	.	PROPN
fsr-3236	221	4	asaad	asaad	PROPN
fsr-3236	221	5	/	/	SYM
fsr-3236	221	6	financial	financial	ADJ
fsr-3236	221	7	services	service	NOUN
fsr-3236	221	8	review	review	VERB
fsr-3236	221	9	24	24	NUM
fsr-3236	221	10	(	(	PUNCT
fsr-3236	221	11	2015	2015	NUM
fsr-3236	221	12	)	)	PUNCT
fsr-3236	221	13	101–117	101–117	NUM
fsr-3236	221	14	can	can	AUX
fsr-3236	221	15	lead	lead	VERB
fsr-3236	221	16	to	to	ADP
fsr-3236	221	17	risky	risky	ADJ
fsr-3236	221	18	decisions	decision	NOUN
fsr-3236	221	19	.	.	PUNCT
fsr-3236	222	1	the	the	DET
fsr-3236	222	2	results	result	NOUN
fsr-3236	222	3	in	in	ADP
fsr-3236	222	4	table	table	NOUN
fsr-3236	222	5	6	6	NUM
fsr-3236	222	6	,	,	PUNCT
fsr-3236	222	7	table	table	NOUN
fsr-3236	222	8	7	7	NUM
fsr-3236	222	9	,	,	PUNCT
fsr-3236	222	10	and	and	CCONJ
fsr-3236	222	11	fig	fig	NOUN
fsr-3236	222	12	.	.	PUNCT
fsr-3236	223	1	1	1	NUM
fsr-3236	223	2	support	support	NOUN
fsr-3236	223	3	h2	h2	NOUN
fsr-3236	223	4	,	,	PUNCT
fsr-3236	223	5	that	that	SCONJ
fsr-3236	223	6	overconfident	overconfident	ADJ
fsr-3236	223	7	individuals	individual	NOUN
fsr-3236	223	8	are	be	AUX
fsr-3236	223	9	most	most	ADV
fsr-3236	223	10	likely	likely	ADJ
fsr-3236	223	11	to	to	PART
fsr-3236	223	12	engage	engage	VERB
fsr-3236	223	13	in	in	ADP
fsr-3236	223	14	risky	risky	ADJ
fsr-3236	223	15	financial	financial	ADJ
fsr-3236	223	16	behaviors	behavior	NOUN
fsr-3236	223	17	.	.	PUNCT
fsr-3236	224	1	together	together	ADV
fsr-3236	224	2	,	,	PUNCT
fsr-3236	224	3	these	these	DET
fsr-3236	224	4	findings	finding	NOUN
fsr-3236	224	5	align	align	VERB
fsr-3236	224	6	with	with	ADP
fsr-3236	224	7	goel	goel	PROPN
fsr-3236	224	8	and	and	CCONJ
fsr-3236	224	9	thakor	thakor	PROPN
fsr-3236	224	10	’s	’s	PART
fsr-3236	224	11	(	(	PUNCT
fsr-3236	224	12	2008	2008	NUM
fsr-3236	224	13	)	)	PUNCT
fsr-3236	224	14	theoretical	theoretical	ADJ
fsr-3236	224	15	model	model	NOUN
fsr-3236	224	16	:	:	PUNCT
fsr-3236	224	17	some	some	DET
fsr-3236	224	18	overconfidence	overconfidence	NOUN
fsr-3236	224	19	is	be	AUX
fsr-3236	224	20	good	good	ADJ
fsr-3236	224	21	,	,	PUNCT
fsr-3236	224	22	but	but	CCONJ
fsr-3236	224	23	too	too	ADV
fsr-3236	224	24	much	much	ADJ
fsr-3236	224	25	is	be	AUX
fsr-3236	224	26	bad	bad	ADJ
fsr-3236	224	27	.	.	PUNCT
fsr-3236	225	1	5	5	X
fsr-3236	225	2	.	.	X
fsr-3236	225	3	conclusion	conclusion	NOUN
fsr-3236	225	4	this	this	DET
fsr-3236	225	5	analysis	analysis	NOUN
fsr-3236	225	6	examines	examine	VERB
fsr-3236	225	7	two	two	NUM
fsr-3236	225	8	components	component	NOUN
fsr-3236	225	9	of	of	ADP
fsr-3236	225	10	financial	financial	ADJ
fsr-3236	225	11	literacy	literacy	NOUN
fsr-3236	225	12	,	,	PUNCT
fsr-3236	225	13	knowledge	knowledge	NOUN
fsr-3236	225	14	,	,	PUNCT
fsr-3236	225	15	and	and	CCONJ
fsr-3236	225	16	confidence	confidence	NOUN
fsr-3236	225	17	.	.	PUNCT
fsr-3236	226	1	not	not	PART
fsr-3236	226	2	surprisingly	surprisingly	ADV
fsr-3236	226	3	,	,	PUNCT
fsr-3236	226	4	individuals	individual	NOUN
fsr-3236	226	5	with	with	ADP
fsr-3236	226	6	both	both	CCONJ
fsr-3236	226	7	high	high	ADJ
fsr-3236	226	8	knowledge	knowledge	NOUN
fsr-3236	226	9	and	and	CCONJ
fsr-3236	226	10	confidence	confidence	NOUN
fsr-3236	226	11	are	be	AUX
fsr-3236	226	12	more	more	ADV
fsr-3236	226	13	likely	likely	ADJ
fsr-3236	226	14	to	to	PART
fsr-3236	226	15	make	make	VERB
fsr-3236	226	16	“	"	PUNCT
fsr-3236	226	17	good	good	ADJ
fsr-3236	226	18	”	"	PUNCT
fsr-3236	226	19	financial	financial	ADJ
fsr-3236	226	20	decisions	decision	NOUN
fsr-3236	226	21	than	than	ADP
fsr-3236	226	22	individuals	individual	NOUN
fsr-3236	226	23	with	with	ADP
fsr-3236	226	24	both	both	CCONJ
fsr-3236	226	25	low	low	ADJ
fsr-3236	226	26	knowledge	knowledge	NOUN
fsr-3236	226	27	and	and	CCONJ
fsr-3236	226	28	confidence	confidence	NOUN
fsr-3236	226	29	.	.	PUNCT
fsr-3236	227	1	somewhat	somewhat	ADV
fsr-3236	227	2	surprising	surprising	ADJ
fsr-3236	227	3	,	,	PUNCT
fsr-3236	227	4	however	however	ADV
fsr-3236	227	5	,	,	PUNCT
fsr-3236	227	6	is	be	AUX
fsr-3236	227	7	how	how	SCONJ
fsr-3236	227	8	influential	influential	ADJ
fsr-3236	227	9	perceived	perceive	VERB
fsr-3236	227	10	knowledge	knowledge	NOUN
fsr-3236	227	11	is	be	AUX
fsr-3236	227	12	on	on	ADP
fsr-3236	227	13	financial	financial	ADJ
fsr-3236	227	14	behavior	behavior	NOUN
fsr-3236	227	15	.	.	PUNCT
fsr-3236	228	1	additionally	additionally	ADV
fsr-3236	228	2	,	,	PUNCT
fsr-3236	228	3	when	when	SCONJ
fsr-3236	228	4	confidence	confidence	NOUN
fsr-3236	228	5	is	be	AUX
fsr-3236	228	6	high	high	ADJ
fsr-3236	228	7	and	and	CCONJ
fsr-3236	228	8	actual	actual	ADJ
fsr-3236	228	9	knowledge	knowledge	NOUN
fsr-3236	228	10	is	be	AUX
fsr-3236	228	11	low	low	ADJ
fsr-3236	228	12	,	,	PUNCT
fsr-3236	228	13	individuals	individual	NOUN
fsr-3236	228	14	are	be	AUX
fsr-3236	228	15	more	more	ADV
fsr-3236	228	16	likely	likely	ADJ
fsr-3236	228	17	to	to	PART
fsr-3236	228	18	take	take	VERB
fsr-3236	228	19	financial	financial	ADJ
fsr-3236	228	20	risks	risk	NOUN
fsr-3236	228	21	by	by	ADP
fsr-3236	228	22	engaging	engage	VERB
fsr-3236	228	23	in	in	ADP
fsr-3236	228	24	costly	costly	ADJ
fsr-3236	228	25	behaviors	behavior	NOUN
fsr-3236	228	26	.	.	PUNCT
fsr-3236	229	1	these	these	DET
fsr-3236	229	2	findings	finding	NOUN
fsr-3236	229	3	are	be	AUX
fsr-3236	229	4	robust	robust	ADJ
fsr-3236	229	5	to	to	ADP
fsr-3236	229	6	measurement	measurement	NOUN
fsr-3236	229	7	changes	change	NOUN
fsr-3236	229	8	for	for	ADP
fsr-3236	229	9	the	the	DET
fsr-3236	229	10	four	four	NUM
fsr-3236	229	11	knowledge	knowledge	NOUN
fsr-3236	229	12	groups	group	NOUN
fsr-3236	229	13	,	,	PUNCT
fsr-3236	229	14	confidence	confidence	NOUN
fsr-3236	229	15	,	,	PUNCT
fsr-3236	229	16	and	and	CCONJ
fsr-3236	229	17	overconfidence	overconfidence	NOUN
fsr-3236	229	18	.	.	PUNCT
fsr-3236	230	1	this	this	DET
fsr-3236	230	2	article	article	NOUN
fsr-3236	230	3	makes	make	VERB
fsr-3236	230	4	two	two	NUM
fsr-3236	230	5	noteworthy	noteworthy	ADJ
fsr-3236	230	6	contributions	contribution	NOUN
fsr-3236	230	7	.	.	PUNCT
fsr-3236	231	1	first	first	ADV
fsr-3236	231	2	,	,	PUNCT
fsr-3236	231	3	confidence	confidence	NOUN
fsr-3236	231	4	,	,	PUNCT
fsr-3236	231	5	or	or	CCONJ
fsr-3236	231	6	self	self	NOUN
fsr-3236	231	7	-	-	PUNCT
fsr-3236	231	8	perceived	perceive	VERB
fsr-3236	231	9	knowledge	knowledge	NOUN
fsr-3236	231	10	,	,	PUNCT
fsr-3236	231	11	is	be	AUX
fsr-3236	231	12	an	an	DET
fsr-3236	231	13	important	important	ADJ
fsr-3236	231	14	component	component	NOUN
fsr-3236	231	15	of	of	ADP
fsr-3236	231	16	financial	financial	ADJ
fsr-3236	231	17	literacy	literacy	NOUN
fsr-3236	231	18	.	.	PUNCT
fsr-3236	232	1	prior	prior	ADJ
fsr-3236	232	2	studies	study	NOUN
fsr-3236	232	3	found	find	VERB
fsr-3236	232	4	a	a	DET
fsr-3236	232	5	positive	positive	ADJ
fsr-3236	232	6	association	association	NOUN
fsr-3236	232	7	between	between	ADP
fsr-3236	232	8	an	an	DET
fsr-3236	232	9	individual	individual	NOUN
fsr-3236	232	10	’s	’s	PART
fsr-3236	232	11	self	self	NOUN
fsr-3236	232	12	-	-	PUNCT
fsr-3236	232	13	assessed	assess	VERB
fsr-3236	232	14	level	level	NOUN
fsr-3236	232	15	of	of	ADP
fsr-3236	232	16	confidence	confidence	NOUN
fsr-3236	232	17	with	with	ADP
fsr-3236	232	18	investing	investing	NOUN
fsr-3236	232	19	,	,	PUNCT
fsr-3236	232	20	retirement	retirement	NOUN
fsr-3236	232	21	planning	planning	NOUN
fsr-3236	232	22	,	,	PUNCT
fsr-3236	232	23	and	and	CCONJ
fsr-3236	232	24	credit	credit	NOUN
fsr-3236	232	25	card	card	NOUN
fsr-3236	232	26	behaviors	behavior	NOUN
fsr-3236	232	27	.	.	PUNCT
fsr-3236	233	1	this	this	DET
fsr-3236	233	2	analysis	analysis	NOUN
fsr-3236	233	3	extends	extend	VERB
fsr-3236	233	4	these	these	DET
fsr-3236	233	5	findings	finding	NOUN
fsr-3236	233	6	by	by	ADP
fsr-3236	233	7	demonstrating	demonstrate	VERB
fsr-3236	233	8	,	,	PUNCT
fsr-3236	233	9	with	with	ADP
fsr-3236	233	10	a	a	DET
fsr-3236	233	11	large	large	ADJ
fsr-3236	233	12	nationally	nationally	ADV
fsr-3236	233	13	representative	representative	ADJ
fsr-3236	233	14	sample	sample	NOUN
fsr-3236	233	15	,	,	PUNCT
fsr-3236	233	16	that	that	DET
fsr-3236	233	17	confidence	confidence	NOUN
fsr-3236	233	18	affects	affect	VERB
fsr-3236	233	19	additional	additional	ADJ
fsr-3236	233	20	savings	saving	NOUN
fsr-3236	233	21	and	and	CCONJ
fsr-3236	233	22	borrowing	borrowing	NOUN
fsr-3236	233	23	behaviors	behavior	NOUN
fsr-3236	233	24	.	.	PUNCT
fsr-3236	234	1	in	in	ADP
fsr-3236	234	2	most	most	ADJ
fsr-3236	234	3	financial	financial	ADJ
fsr-3236	234	4	circumstances	circumstance	NOUN
fsr-3236	234	5	,	,	PUNCT
fsr-3236	234	6	higher	high	ADJ
fsr-3236	234	7	confidence	confidence	NOUN
fsr-3236	234	8	is	be	AUX
fsr-3236	234	9	beneficial	beneficial	ADJ
fsr-3236	234	10	.	.	PUNCT
fsr-3236	235	1	however	however	ADV
fsr-3236	235	2	,	,	PUNCT
fsr-3236	235	3	the	the	DET
fsr-3236	235	4	second	second	ADJ
fsr-3236	235	5	contribution	contribution	NOUN
fsr-3236	235	6	of	of	ADP
fsr-3236	235	7	this	this	DET
fsr-3236	235	8	article	article	NOUN
fsr-3236	235	9	is	be	AUX
fsr-3236	235	10	the	the	DET
fsr-3236	235	11	clarification	clarification	NOUN
fsr-3236	235	12	of	of	ADP
fsr-3236	235	13	when	when	SCONJ
fsr-3236	235	14	confidence	confidence	NOUN
fsr-3236	235	15	can	can	AUX
fsr-3236	235	16	be	be	AUX
fsr-3236	235	17	detrimental	detrimental	ADJ
fsr-3236	235	18	.	.	PUNCT
fsr-3236	236	1	overconfident	overconfident	ADJ
fsr-3236	236	2	individuals	individual	NOUN
fsr-3236	236	3	tend	tend	VERB
fsr-3236	236	4	to	to	PART
fsr-3236	236	5	overestimate	overestimate	VERB
fsr-3236	236	6	the	the	DET
fsr-3236	236	7	precision	precision	NOUN
fsr-3236	236	8	of	of	ADP
fsr-3236	236	9	their	their	PRON
fsr-3236	236	10	knowledge	knowledge	NOUN
fsr-3236	236	11	and	and	CCONJ
fsr-3236	236	12	underestimate	underestimate	ADJ
fsr-3236	236	13	risk	risk	NOUN
fsr-3236	236	14	;	;	PUNCT
fsr-3236	236	15	thus	thus	ADV
fsr-3236	236	16	,	,	PUNCT
fsr-3236	236	17	perhaps	perhaps	ADV
fsr-3236	236	18	even	even	ADV
fsr-3236	236	19	unbeknownst	unbeknownst	ADJ
fsr-3236	236	20	to	to	ADP
fsr-3236	236	21	them	they	PRON
fsr-3236	236	22	,	,	PUNCT
fsr-3236	236	23	overconfident	overconfident	ADJ
fsr-3236	236	24	individuals	individual	NOUN
fsr-3236	236	25	are	be	AUX
fsr-3236	236	26	more	more	ADV
fsr-3236	236	27	likely	likely	ADJ
fsr-3236	236	28	to	to	PART
fsr-3236	236	29	engage	engage	VERB
fsr-3236	236	30	in	in	ADP
fsr-3236	236	31	risky	risky	ADJ
fsr-3236	236	32	and	and	CCONJ
fsr-3236	236	33	costly	costly	ADJ
fsr-3236	236	34	financial	financial	ADJ
fsr-3236	236	35	behaviors	behavior	NOUN
fsr-3236	236	36	.	.	PUNCT
fsr-3236	237	1	fig	fig	NOUN
fsr-3236	237	2	.	.	PUNCT
fsr-3236	238	1	1	1	X
fsr-3236	238	2	.	.	X
fsr-3236	238	3	confidence	confidence	NOUN
fsr-3236	238	4	and	and	CCONJ
fsr-3236	238	5	the	the	DET
fsr-3236	238	6	probability	probability	NOUN
fsr-3236	238	7	of	of	ADP
fsr-3236	238	8	obtaining	obtain	VERB
fsr-3236	238	9	a	a	DET
fsr-3236	238	10	payday	payday	NOUN
fsr-3236	238	11	loan	loan	NOUN
fsr-3236	238	12	by	by	ADP
fsr-3236	238	13	knowledge	knowledge	NOUN
fsr-3236	238	14	level	level	NOUN
fsr-3236	238	15	.	.	PUNCT
fsr-3236	239	1	this	this	DET
fsr-3236	239	2	figure	figure	NOUN
fsr-3236	239	3	illustrates	illustrate	VERB
fsr-3236	239	4	the	the	DET
fsr-3236	239	5	interaction	interaction	NOUN
fsr-3236	239	6	between	between	ADP
fsr-3236	239	7	knowledge	knowledge	NOUN
fsr-3236	239	8	and	and	CCONJ
fsr-3236	239	9	confidence	confidence	NOUN
fsr-3236	239	10	and	and	CCONJ
fsr-3236	239	11	the	the	DET
fsr-3236	239	12	effect	effect	NOUN
fsr-3236	239	13	on	on	ADP
fsr-3236	239	14	the	the	DET
fsr-3236	239	15	probability	probability	NOUN
fsr-3236	239	16	of	of	ADP
fsr-3236	239	17	obtaining	obtain	VERB
fsr-3236	239	18	a	a	DET
fsr-3236	239	19	payday	payday	NOUN
fsr-3236	239	20	loan	loan	NOUN
fsr-3236	239	21	.	.	PUNCT
fsr-3236	240	1	graph	graph	NOUN
fsr-3236	240	2	created	create	VERB
fsr-3236	240	3	using	use	VERB
fsr-3236	240	4	the	the	DET
fsr-3236	240	5	regression	regression	NOUN
fsr-3236	240	6	coefficients	coefficient	NOUN
fsr-3236	240	7	,	,	PUNCT
fsr-3236	240	8	including	include	VERB
fsr-3236	240	9	control	control	NOUN
fsr-3236	240	10	variables	variable	NOUN
fsr-3236	240	11	,	,	PUNCT
fsr-3236	240	12	from	from	ADP
fsr-3236	240	13	table	table	NOUN
fsr-3236	240	14	7	7	NUM
fsr-3236	240	15	and	and	CCONJ
fsr-3236	240	16	the	the	DET
fsr-3236	240	17	website	website	NOUN
fsr-3236	240	18	:	:	PUNCT
fsr-3236	240	19	http://www.jeremydawson.co.uk/slopes.htm	http://www.jeremydawson.co.uk/slopes.htm	PROPN
fsr-3236	240	20	.	.	PUNCT
fsr-3236	241	1	113c.t	113c.t	NOUN
fsr-3236	241	2	.	.	PUNCT
fsr-3236	242	1	asaad	asaad	PROPN
fsr-3236	242	2	/	/	SYM
fsr-3236	242	3	financial	financial	ADJ
fsr-3236	242	4	services	service	NOUN
fsr-3236	242	5	review	review	VERB
fsr-3236	242	6	24	24	NUM
fsr-3236	242	7	(	(	PUNCT
fsr-3236	242	8	2015	2015	NUM
fsr-3236	242	9	)	)	PUNCT
fsr-3236	242	10	101–117	101–117	NUM
fsr-3236	242	11	these	these	DET
fsr-3236	242	12	findings	finding	NOUN
fsr-3236	242	13	are	be	AUX
fsr-3236	242	14	based	base	VERB
fsr-3236	242	15	on	on	ADP
fsr-3236	242	16	survey	survey	NOUN
fsr-3236	242	17	data	datum	NOUN
fsr-3236	242	18	.	.	PUNCT
fsr-3236	243	1	as	as	ADP
fsr-3236	243	2	such	such	ADJ
fsr-3236	243	3	,	,	PUNCT
fsr-3236	243	4	the	the	DET
fsr-3236	243	5	results	result	NOUN
fsr-3236	243	6	are	be	AUX
fsr-3236	243	7	only	only	ADV
fsr-3236	243	8	as	as	ADV
fsr-3236	243	9	good	good	ADJ
fsr-3236	243	10	as	as	ADP
fsr-3236	243	11	the	the	DET
fsr-3236	243	12	survey	survey	NOUN
fsr-3236	243	13	design	design	NOUN
fsr-3236	243	14	and	and	CCONJ
fsr-3236	243	15	participant	participant	ADJ
fsr-3236	243	16	veracity	veracity	NOUN
fsr-3236	243	17	.	.	PUNCT
fsr-3236	244	1	survey	survey	NOUN
fsr-3236	244	2	responses	response	NOUN
fsr-3236	244	3	are	be	AUX
fsr-3236	244	4	“	"	PUNCT
fsr-3236	244	5	vulnerable	vulnerable	ADJ
fsr-3236	244	6	to	to	ADP
fsr-3236	244	7	social	social	ADJ
fsr-3236	244	8	desirability	desirability	NOUN
fsr-3236	244	9	,	,	PUNCT
fsr-3236	244	10	”	"	PUNCT
fsr-3236	244	11	meaning	mean	VERB
fsr-3236	244	12	that	that	SCONJ
fsr-3236	244	13	if	if	SCONJ
fsr-3236	244	14	financial	financial	ADJ
fsr-3236	244	15	behaviors	behavior	NOUN
fsr-3236	244	16	are	be	AUX
fsr-3236	244	17	viewed	view	VERB
fsr-3236	244	18	as	as	ADP
fsr-3236	244	19	having	have	VERB
fsr-3236	244	20	“	"	PUNCT
fsr-3236	244	21	a	a	DET
fsr-3236	244	22	normative	normative	ADJ
fsr-3236	244	23	valence	valence	NOUN
fsr-3236	244	24	”	"	PUNCT
fsr-3236	244	25	then	then	ADV
fsr-3236	244	26	respondents	respondent	NOUN
fsr-3236	244	27	are	be	AUX
fsr-3236	244	28	apt	apt	ADJ
fsr-3236	244	29	to	to	PART
fsr-3236	244	30	overstate	overstate	VERB
fsr-3236	244	31	“	"	PUNCT
fsr-3236	244	32	good	good	ADJ
fsr-3236	244	33	”	"	PUNCT
fsr-3236	244	34	financial	financial	ADJ
fsr-3236	244	35	behaviors	behavior	NOUN
fsr-3236	244	36	and	and	CCONJ
fsr-3236	244	37	understate	understate	VERB
fsr-3236	244	38	‘	'	PUNCT
fsr-3236	244	39	bad	bad	ADJ
fsr-3236	244	40	’	'	PUNCT
fsr-3236	244	41	financial	financial	ADJ
fsr-3236	244	42	behaviors	behavior	NOUN
fsr-3236	244	43	(	(	PUNCT
fsr-3236	244	44	willis	willis	PROPN
fsr-3236	244	45	,	,	PUNCT
fsr-3236	244	46	2008	2008	NUM
fsr-3236	244	47	)	)	PUNCT
fsr-3236	244	48	.	.	PUNCT
fsr-3236	245	1	additionally	additionally	ADV
fsr-3236	245	2	,	,	PUNCT
fsr-3236	245	3	financial	financial	ADJ
fsr-3236	245	4	decisions	decision	NOUN
fsr-3236	245	5	are	be	AUX
fsr-3236	245	6	not	not	PART
fsr-3236	245	7	strictly	strictly	ADV
fsr-3236	245	8	about	about	ADP
fsr-3236	245	9	money	money	NOUN
fsr-3236	245	10	but	but	CCONJ
fsr-3236	245	11	involve	involve	VERB
fsr-3236	245	12	balancing	balance	VERB
fsr-3236	245	13	life	life	NOUN
fsr-3236	245	14	’s	’s	PART
fsr-3236	245	15	tradeoffs	tradeoff	NOUN
fsr-3236	245	16	,	,	PUNCT
fsr-3236	245	17	and	and	CCONJ
fsr-3236	245	18	it	it	PRON
fsr-3236	245	19	is	be	AUX
fsr-3236	245	20	possible	possible	ADJ
fsr-3236	245	21	that	that	SCONJ
fsr-3236	245	22	some	some	PRON
fsr-3236	245	23	of	of	ADP
fsr-3236	245	24	these	these	DET
fsr-3236	245	25	omitted	omit	VERB
fsr-3236	245	26	factors	factor	NOUN
fsr-3236	245	27	,	,	PUNCT
fsr-3236	245	28	such	such	ADJ
fsr-3236	245	29	as	as	ADP
fsr-3236	245	30	personality	personality	NOUN
fsr-3236	245	31	characteristics	characteristic	NOUN
fsr-3236	245	32	,	,	PUNCT
fsr-3236	245	33	may	may	AUX
fsr-3236	245	34	play	play	VERB
fsr-3236	245	35	a	a	DET
fsr-3236	245	36	role	role	NOUN
fsr-3236	245	37	in	in	ADP
fsr-3236	245	38	shaping	shape	VERB
fsr-3236	245	39	financial	financial	ADJ
fsr-3236	245	40	behaviors	behavior	NOUN
fsr-3236	245	41	.	.	PUNCT
fsr-3236	246	1	as	as	SCONJ
fsr-3236	246	2	predicted	predict	VERB
fsr-3236	246	3	,	,	PUNCT
fsr-3236	246	4	confidence	confidence	NOUN
fsr-3236	246	5	is	be	AUX
fsr-3236	246	6	an	an	DET
fsr-3236	246	7	important	important	ADJ
fsr-3236	246	8	part	part	NOUN
fsr-3236	246	9	of	of	ADP
fsr-3236	246	10	financial	financial	ADJ
fsr-3236	246	11	decision	decision	NOUN
fsr-3236	246	12	making	making	NOUN
fsr-3236	246	13	.	.	PUNCT
fsr-3236	247	1	the	the	DET
fsr-3236	247	2	strength	strength	NOUN
fsr-3236	247	3	of	of	ADP
fsr-3236	247	4	the	the	DET
fsr-3236	247	5	findings	finding	NOUN
fsr-3236	247	6	may	may	AUX
fsr-3236	247	7	relate	relate	VERB
fsr-3236	247	8	to	to	PART
fsr-3236	247	9	survey	survey	VERB
fsr-3236	247	10	design	design	NOUN
fsr-3236	247	11	issues	issue	NOUN
fsr-3236	247	12	:	:	PUNCT
fsr-3236	247	13	the	the	DET
fsr-3236	247	14	confidence	confidence	NOUN
fsr-3236	247	15	measure	measure	NOUN
fsr-3236	247	16	may	may	AUX
fsr-3236	247	17	pick	pick	VERB
fsr-3236	247	18	up	up	ADP
fsr-3236	247	19	on	on	ADP
fsr-3236	247	20	a	a	DET
fsr-3236	247	21	more	more	ADJ
fsr-3236	247	22	“	"	PUNCT
fsr-3236	247	23	general	general	ADJ
fsr-3236	247	24	”	"	PUNCT
fsr-3236	247	25	financial	financial	ADJ
fsr-3236	247	26	knowledge	knowledge	NOUN
fsr-3236	247	27	(	(	PUNCT
fsr-3236	247	28	or	or	CCONJ
fsr-3236	247	29	perhaps	perhaps	ADV
fsr-3236	247	30	financial	financial	ADJ
fsr-3236	247	31	resourcefulness	resourcefulness	NOUN
fsr-3236	247	32	or	or	CCONJ
fsr-3236	247	33	experience	experience	NOUN
fsr-3236	247	34	)	)	PUNCT
fsr-3236	247	35	that	that	SCONJ
fsr-3236	247	36	the	the	DET
fsr-3236	247	37	actual	actual	ADJ
fsr-3236	247	38	knowledge	knowledge	NOUN
fsr-3236	247	39	measure	measure	NOUN
fsr-3236	247	40	misses	miss	VERB
fsr-3236	247	41	or	or	CCONJ
fsr-3236	247	42	may	may	AUX
fsr-3236	247	43	also	also	ADV
fsr-3236	247	44	reflect	reflect	VERB
fsr-3236	247	45	other	other	ADJ
fsr-3236	247	46	confidence	confidence	NOUN
fsr-3236	247	47	issues	issue	NOUN
fsr-3236	247	48	such	such	ADJ
fsr-3236	247	49	as	as	ADP
fsr-3236	247	50	trust	trust	NOUN
fsr-3236	247	51	or	or	CCONJ
fsr-3236	247	52	general	general	ADJ
fsr-3236	247	53	life	life	NOUN
fsr-3236	247	54	outlook	outlook	NOUN
fsr-3236	247	55	.	.	PUNCT
fsr-3236	248	1	future	future	ADJ
fsr-3236	248	2	experimental	experimental	ADJ
fsr-3236	248	3	research	research	NOUN
fsr-3236	248	4	may	may	AUX
fsr-3236	248	5	help	help	VERB
fsr-3236	248	6	explicate	explicate	VERB
fsr-3236	248	7	these	these	DET
fsr-3236	248	8	measures	measure	NOUN
fsr-3236	248	9	and	and	CCONJ
fsr-3236	248	10	their	their	PRON
fsr-3236	248	11	respective	respective	ADJ
fsr-3236	248	12	affects	affect	NOUN
fsr-3236	248	13	on	on	ADP
fsr-3236	248	14	financial	financial	ADJ
fsr-3236	248	15	behaviors	behavior	NOUN
fsr-3236	248	16	.	.	PUNCT
fsr-3236	249	1	what	what	PRON
fsr-3236	249	2	is	be	AUX
fsr-3236	249	3	clear	clear	ADJ
fsr-3236	249	4	from	from	ADP
fsr-3236	249	5	the	the	DET
fsr-3236	249	6	analysis	analysis	NOUN
fsr-3236	249	7	,	,	PUNCT
fsr-3236	249	8	however	however	ADV
fsr-3236	249	9	,	,	PUNCT
fsr-3236	249	10	is	be	AUX
fsr-3236	249	11	that	that	SCONJ
fsr-3236	249	12	financial	financial	ADJ
fsr-3236	249	13	literacy	literacy	NOUN
fsr-3236	249	14	encapsulates	encapsulate	VERB
fsr-3236	249	15	more	more	ADJ
fsr-3236	249	16	than	than	ADP
fsr-3236	249	17	just	just	ADV
fsr-3236	249	18	numeracy	numeracy	NOUN
fsr-3236	249	19	knowledge	knowledge	NOUN
fsr-3236	249	20	.	.	PUNCT
fsr-3236	250	1	understanding	understand	VERB
fsr-3236	250	2	that	that	DET
fsr-3236	250	3	confidence	confidence	NOUN
fsr-3236	250	4	is	be	AUX
fsr-3236	250	5	just	just	ADV
fsr-3236	250	6	as	as	ADV
fsr-3236	250	7	important	important	ADJ
fsr-3236	250	8	as	as	SCONJ
fsr-3236	250	9	knowledge	knowledge	NOUN
fsr-3236	250	10	is	be	AUX
fsr-3236	250	11	of	of	ADP
fsr-3236	250	12	paramount	paramount	ADJ
fsr-3236	250	13	value	value	NOUN
fsr-3236	250	14	to	to	ADP
fsr-3236	250	15	educators	educator	NOUN
fsr-3236	250	16	and	and	CCONJ
fsr-3236	250	17	policy	policy	NOUN
fsr-3236	250	18	makers	maker	NOUN
fsr-3236	250	19	,	,	PUNCT
fsr-3236	250	20	helping	help	VERB
fsr-3236	250	21	to	to	PART
fsr-3236	250	22	structure	structure	VERB
fsr-3236	250	23	more	more	ADV
fsr-3236	250	24	effective	effective	ADJ
fsr-3236	250	25	financial	financial	ADJ
fsr-3236	250	26	literacy	literacy	NOUN
fsr-3236	250	27	initiatives	initiative	NOUN
fsr-3236	250	28	and	and	CCONJ
fsr-3236	250	29	improve	improve	VERB
fsr-3236	250	30	individuals	individual	NOUN
fsr-3236	250	31	’	'	PUNCT
fsr-3236	250	32	everyday	everyday	ADJ
fsr-3236	250	33	financial	financial	ADJ
fsr-3236	250	34	decision	decision	NOUN
fsr-3236	250	35	making	making	NOUN
fsr-3236	250	36	.	.	PUNCT
fsr-3236	251	1	the	the	DET
fsr-3236	251	2	risky	risky	ADJ
fsr-3236	251	3	financial	financial	ADJ
fsr-3236	251	4	behaviors	behavior	NOUN
fsr-3236	251	5	addressed	address	VERB
fsr-3236	251	6	in	in	ADP
fsr-3236	251	7	this	this	DET
fsr-3236	251	8	article	article	NOUN
fsr-3236	251	9	are	be	AUX
fsr-3236	251	10	complex	complex	ADJ
fsr-3236	251	11	and	and	CCONJ
fsr-3236	251	12	require	require	VERB
fsr-3236	251	13	numeracy	numeracy	NOUN
fsr-3236	251	14	knowledge	knowledge	NOUN
fsr-3236	251	15	;	;	PUNCT
fsr-3236	251	16	however	however	ADV
fsr-3236	251	17	,	,	PUNCT
fsr-3236	251	18	based	base	VERB
fsr-3236	251	19	on	on	ADP
fsr-3236	251	20	carpena	carpena	PROPN
fsr-3236	251	21	et	et	PROPN
fsr-3236	251	22	al	al	PROPN
fsr-3236	251	23	.	.	PROPN
fsr-3236	251	24	’s	’s	PART
fsr-3236	251	25	(	(	PUNCT
fsr-3236	251	26	2011	2011	NUM
fsr-3236	251	27	)	)	PUNCT
fsr-3236	251	28	findings	finding	NOUN
fsr-3236	251	29	,	,	PUNCT
fsr-3236	251	30	more	more	ADJ
fsr-3236	251	31	exposure	exposure	NOUN
fsr-3236	251	32	to	to	ADP
fsr-3236	251	33	these	these	DET
fsr-3236	251	34	financial	financial	ADJ
fsr-3236	251	35	topics	topic	NOUN
fsr-3236	251	36	will	will	AUX
fsr-3236	251	37	increase	increase	VERB
fsr-3236	251	38	awareness	awareness	NOUN
fsr-3236	251	39	and	and	CCONJ
fsr-3236	251	40	hopefully	hopefully	ADV
fsr-3236	251	41	positively	positively	ADV
fsr-3236	251	42	affect	affect	VERB
fsr-3236	251	43	decision	decision	NOUN
fsr-3236	251	44	making	making	NOUN
fsr-3236	251	45	.	.	PUNCT
fsr-3236	252	1	although	although	SCONJ
fsr-3236	252	2	numeracy	numeracy	NOUN
fsr-3236	252	3	and	and	CCONJ
fsr-3236	252	4	math	math	NOUN
fsr-3236	252	5	-	-	PUNCT
fsr-3236	252	6	based	base	VERB
fsr-3236	252	7	skills	skill	NOUN
fsr-3236	252	8	are	be	AUX
fsr-3236	252	9	necessary	necessary	ADJ
fsr-3236	252	10	for	for	ADP
fsr-3236	252	11	specific	specific	ADJ
fsr-3236	252	12	,	,	PUNCT
fsr-3236	252	13	concrete	concrete	ADJ
fsr-3236	252	14	calculations	calculation	NOUN
fsr-3236	252	15	,	,	PUNCT
fsr-3236	252	16	exposing	expose	VERB
fsr-3236	252	17	individuals	individual	NOUN
fsr-3236	252	18	to	to	ADP
fsr-3236	252	19	financial	financial	ADJ
fsr-3236	252	20	topics	topic	NOUN
fsr-3236	252	21	and	and	CCONJ
fsr-3236	252	22	products	product	NOUN
fsr-3236	252	23	may	may	AUX
fsr-3236	252	24	help	help	VERB
fsr-3236	252	25	individuals	individual	NOUN
fsr-3236	252	26	make	make	VERB
fsr-3236	252	27	more	more	ADV
fsr-3236	252	28	informed	informed	ADJ
fsr-3236	252	29	financial	financial	ADJ
fsr-3236	252	30	decisions	decision	NOUN
fsr-3236	252	31	.	.	PUNCT
fsr-3236	253	1	the	the	DET
fsr-3236	253	2	challenge	challenge	NOUN
fsr-3236	253	3	then	then	ADV
fsr-3236	253	4	is	be	AUX
fsr-3236	253	5	to	to	PART
fsr-3236	253	6	create	create	VERB
fsr-3236	253	7	education	education	NOUN
fsr-3236	253	8	initiatives	initiative	NOUN
fsr-3236	253	9	that	that	PRON
fsr-3236	253	10	help	help	VERB
fsr-3236	253	11	individuals	individual	NOUN
fsr-3236	253	12	find	find	VERB
fsr-3236	253	13	a	a	DET
fsr-3236	253	14	healthy	healthy	ADJ
fsr-3236	253	15	dose	dose	NOUN
fsr-3236	253	16	of	of	ADP
fsr-3236	253	17	confidence	confidence	NOUN
fsr-3236	253	18	.	.	PUNCT
fsr-3236	254	1	notes	note	VERB
fsr-3236	254	2	1	1	NUM
fsr-3236	254	3	the	the	DET
fsr-3236	254	4	three	three	NUM
fsr-3236	254	5	questions	question	NOUN
fsr-3236	254	6	(	(	PUNCT
fsr-3236	254	7	risk	risk	NOUN
fsr-3236	254	8	,	,	PUNCT
fsr-3236	254	9	interest	interest	NOUN
fsr-3236	254	10	,	,	PUNCT
fsr-3236	254	11	and	and	CCONJ
fsr-3236	254	12	inflation	inflation	NOUN
fsr-3236	254	13	)	)	PUNCT
fsr-3236	254	14	,	,	PUNCT
fsr-3236	254	15	developed	develop	VERB
fsr-3236	254	16	by	by	ADP
fsr-3236	254	17	annamaria	annamaria	PROPN
fsr-3236	254	18	lusardi	lusardi	PROPN
fsr-3236	254	19	and	and	CCONJ
fsr-3236	254	20	olivia	olivia	PROPN
fsr-3236	254	21	mitchell	mitchell	PROPN
fsr-3236	254	22	,	,	PUNCT
fsr-3236	254	23	first	first	ADV
fsr-3236	254	24	appear	appear	VERB
fsr-3236	254	25	in	in	ADP
fsr-3236	254	26	the	the	DET
fsr-3236	254	27	2004	2004	NUM
fsr-3236	254	28	cross	cross	NOUN
fsr-3236	254	29	-	-	NOUN
fsr-3236	254	30	section	section	NOUN
fsr-3236	254	31	of	of	ADP
fsr-3236	254	32	the	the	DET
fsr-3236	254	33	health	health	NOUN
fsr-3236	254	34	and	and	CCONJ
fsr-3236	254	35	retirement	retirement	NOUN
fsr-3236	254	36	study	study	NOUN
fsr-3236	254	37	.	.	PUNCT
fsr-3236	255	1	lusardi	lusardi	PROPN
fsr-3236	255	2	and	and	CCONJ
fsr-3236	255	3	mitchell	mitchell	PROPN
fsr-3236	255	4	(	(	PUNCT
fsr-3236	255	5	2011	2011	NUM
fsr-3236	255	6	)	)	PUNCT
fsr-3236	255	7	describe	describe	VERB
fsr-3236	255	8	their	their	PRON
fsr-3236	255	9	rationale	rationale	NOUN
fsr-3236	255	10	for	for	ADP
fsr-3236	255	11	using	use	VERB
fsr-3236	255	12	these	these	DET
fsr-3236	255	13	three	three	NUM
fsr-3236	255	14	questions	question	NOUN
fsr-3236	255	15	as	as	ADP
fsr-3236	255	16	a	a	DET
fsr-3236	255	17	measure	measure	NOUN
fsr-3236	255	18	of	of	ADP
fsr-3236	255	19	financial	financial	ADJ
fsr-3236	255	20	literacy	literacy	NOUN
fsr-3236	255	21	,	,	PUNCT
fsr-3236	255	22	emphasizing	emphasize	VERB
fsr-3236	255	23	that	that	SCONJ
fsr-3236	255	24	the	the	DET
fsr-3236	255	25	measures	measure	NOUN
fsr-3236	255	26	were	be	AUX
fsr-3236	255	27	chosen	choose	VERB
fsr-3236	255	28	keeping	keep	VERB
fsr-3236	255	29	four	four	NUM
fsr-3236	255	30	principles	principle	NOUN
fsr-3236	255	31	in	in	ADP
fsr-3236	255	32	mind	mind	NOUN
fsr-3236	255	33	:	:	PUNCT
fsr-3236	255	34	(	(	PUNCT
fsr-3236	255	35	1	1	X
fsr-3236	255	36	)	)	PUNCT
fsr-3236	255	37	simplicity	simplicity	NOUN
fsr-3236	255	38	,	,	PUNCT
fsr-3236	255	39	that	that	ADV
fsr-3236	255	40	is	is	ADV
fsr-3236	255	41	,	,	PUNCT
fsr-3236	255	42	basic	basic	ADJ
fsr-3236	255	43	financial	financial	ADJ
fsr-3236	255	44	concepts	concept	NOUN
fsr-3236	255	45	;	;	PUNCT
fsr-3236	255	46	(	(	PUNCT
fsr-3236	255	47	2	2	X
fsr-3236	255	48	)	)	PUNCT
fsr-3236	255	49	relevance	relevance	NOUN
fsr-3236	255	50	,	,	PUNCT
fsr-3236	255	51	that	that	ADV
fsr-3236	255	52	is	is	ADV
fsr-3236	255	53	,	,	PUNCT
fsr-3236	255	54	pertinent	pertinent	ADJ
fsr-3236	255	55	to	to	ADP
fsr-3236	255	56	daily	daily	ADJ
fsr-3236	255	57	financial	financial	ADJ
fsr-3236	255	58	decision	decision	NOUN
fsr-3236	255	59	-	-	PUNCT
fsr-3236	255	60	making	making	NOUN
fsr-3236	255	61	;	;	PUNCT
fsr-3236	255	62	(	(	PUNCT
fsr-3236	255	63	3	3	X
fsr-3236	255	64	)	)	PUNCT
fsr-3236	255	65	brevity	brevity	NOUN
fsr-3236	255	66	,	,	PUNCT
fsr-3236	255	67	that	that	ADV
fsr-3236	255	68	is	is	ADV
fsr-3236	255	69	,	,	PUNCT
fsr-3236	255	70	small	small	ADJ
fsr-3236	255	71	number	number	NOUN
fsr-3236	255	72	of	of	ADP
fsr-3236	255	73	questions	question	NOUN
fsr-3236	255	74	for	for	ADP
fsr-3236	255	75	widespread	widespread	ADJ
fsr-3236	255	76	adoption	adoption	NOUN
fsr-3236	255	77	;	;	PUNCT
fsr-3236	255	78	and	and	CCONJ
fsr-3236	255	79	(	(	PUNCT
fsr-3236	255	80	4	4	X
fsr-3236	255	81	)	)	PUNCT
fsr-3236	255	82	capacity	capacity	NOUN
fsr-3236	255	83	to	to	PART
fsr-3236	255	84	differentiate	differentiate	VERB
fsr-3236	255	85	,	,	PUNCT
fsr-3236	255	86	that	that	ADV
fsr-3236	255	87	is	is	ADV
fsr-3236	255	88	,	,	PUNCT
fsr-3236	255	89	distinguish	distinguish	VERB
fsr-3236	255	90	different	different	ADJ
fsr-3236	255	91	levels	level	NOUN
fsr-3236	255	92	of	of	ADP
fsr-3236	255	93	knowledge	knowledge	NOUN
fsr-3236	255	94	.	.	PUNCT
fsr-3236	256	1	2	2	NUM
fsr-3236	256	2	lusardi	lusardi	NOUN
fsr-3236	256	3	and	and	CCONJ
fsr-3236	256	4	mitchell	mitchell	PROPN
fsr-3236	256	5	(	(	PUNCT
fsr-3236	256	6	2011	2011	NUM
fsr-3236	256	7	)	)	PUNCT
fsr-3236	256	8	also	also	ADV
fsr-3236	256	9	report	report	VERB
fsr-3236	256	10	that	that	SCONJ
fsr-3236	256	11	not	not	PART
fsr-3236	256	12	only	only	ADV
fsr-3236	256	13	are	be	AUX
fsr-3236	256	14	women	woman	NOUN
fsr-3236	256	15	less	less	ADV
fsr-3236	256	16	likely	likely	ADJ
fsr-3236	256	17	than	than	SCONJ
fsr-3236	256	18	men	man	NOUN
fsr-3236	256	19	to	to	PART
fsr-3236	256	20	correctly	correctly	ADV
fsr-3236	256	21	answer	answer	VERB
fsr-3236	256	22	the	the	DET
fsr-3236	256	23	financial	financial	ADJ
fsr-3236	256	24	literacy	literacy	NOUN
fsr-3236	256	25	questions	question	NOUN
fsr-3236	256	26	,	,	PUNCT
fsr-3236	256	27	but	but	CCONJ
fsr-3236	256	28	women	woman	NOUN
fsr-3236	256	29	are	be	AUX
fsr-3236	256	30	also	also	ADV
fsr-3236	256	31	less	less	ADV
fsr-3236	256	32	likely	likely	ADJ
fsr-3236	256	33	to	to	PART
fsr-3236	256	34	respond	respond	VERB
fsr-3236	256	35	,	,	PUNCT
fsr-3236	256	36	that	that	ADV
fsr-3236	256	37	is	is	ADV
fsr-3236	256	38	,	,	PUNCT
fsr-3236	256	39	women	woman	NOUN
fsr-3236	256	40	are	be	AUX
fsr-3236	256	41	more	more	ADV
fsr-3236	256	42	likely	likely	ADJ
fsr-3236	256	43	to	to	PART
fsr-3236	256	44	answer	answer	VERB
fsr-3236	256	45	that	that	SCONJ
fsr-3236	256	46	they	they	PRON
fsr-3236	256	47	“	"	PUNCT
fsr-3236	256	48	do	do	AUX
fsr-3236	256	49	not	not	PART
fsr-3236	256	50	know	know	VERB
fsr-3236	256	51	.	.	PUNCT
fsr-3236	256	52	”	"	PUNCT
fsr-3236	257	1	similarly	similarly	ADV
fsr-3236	257	2	,	,	PUNCT
fsr-3236	257	3	beierlein	beierlein	NOUN
fsr-3236	257	4	and	and	CCONJ
fsr-3236	257	5	neverett	neverett	PROPN
fsr-3236	257	6	(	(	PUNCT
fsr-3236	257	7	2013	2013	NUM
fsr-3236	257	8	)	)	PUNCT
fsr-3236	257	9	find	find	VERB
fsr-3236	257	10	that	that	SCONJ
fsr-3236	257	11	women	woman	NOUN
fsr-3236	257	12	are	be	AUX
fsr-3236	257	13	less	less	ADV
fsr-3236	257	14	likely	likely	ADJ
fsr-3236	257	15	to	to	PART
fsr-3236	257	16	enroll	enroll	VERB
fsr-3236	257	17	in	in	ADP
fsr-3236	257	18	an	an	DET
fsr-3236	257	19	elective	elective	ADJ
fsr-3236	257	20	personal	personal	ADJ
fsr-3236	257	21	finance	finance	NOUN
fsr-3236	257	22	course	course	NOUN
fsr-3236	257	23	.	.	PUNCT
fsr-3236	258	1	114	114	NUM
fsr-3236	258	2	c.t	c.t	PROPN
fsr-3236	258	3	.	.	PROPN
fsr-3236	258	4	asaad	asaad	PROPN
fsr-3236	258	5	/	/	SYM
fsr-3236	258	6	financial	financial	ADJ
fsr-3236	258	7	services	service	NOUN
fsr-3236	258	8	review	review	VERB
fsr-3236	258	9	24	24	NUM
fsr-3236	258	10	(	(	PUNCT
fsr-3236	258	11	2015	2015	NUM
fsr-3236	258	12	)	)	PUNCT
fsr-3236	258	13	101–117	101–117	NUM
fsr-3236	258	14	3	3	NUM
fsr-3236	258	15	using	use	VERB
fsr-3236	258	16	finras	finra	NOUN
fsr-3236	258	17	2009	2009	NUM
fsr-3236	258	18	survey	survey	NOUN
fsr-3236	258	19	,	,	PUNCT
fsr-3236	258	20	robb	robb	NOUN
fsr-3236	258	21	,	,	PUNCT
fsr-3236	258	22	babiarz	babiarz	NOUN
fsr-3236	258	23	,	,	PUNCT
fsr-3236	258	24	and	and	CCONJ
fsr-3236	258	25	woodyard	woodyard	PROPN
fsr-3236	258	26	’s	’s	PART
fsr-3236	259	1	(	(	PUNCT
fsr-3236	259	2	2012	2012	NUM
fsr-3236	259	3	)	)	PUNCT
fsr-3236	259	4	average	average	ADJ
fsr-3236	259	5	financial	financial	ADJ
fsr-3236	259	6	confidence	confidence	NOUN
fsr-3236	259	7	measure	measure	NOUN
fsr-3236	259	8	is	be	AUX
fsr-3236	259	9	computed	compute	VERB
fsr-3236	259	10	as	as	ADP
fsr-3236	259	11	an	an	DET
fsr-3236	259	12	average	average	NOUN
fsr-3236	259	13	of	of	ADP
fsr-3236	259	14	four	four	NUM
fsr-3236	259	15	confidence	confidence	NOUN
fsr-3236	259	16	variables	variable	NOUN
fsr-3236	259	17	.	.	PUNCT
fsr-3236	260	1	“	"	PUNCT
fsr-3236	260	2	i	i	PRON
fsr-3236	260	3	regularly	regularly	ADV
fsr-3236	260	4	keep	keep	VERB
fsr-3236	260	5	up	up	ADP
fsr-3236	260	6	with	with	ADP
fsr-3236	260	7	economic	economic	ADJ
fsr-3236	260	8	and	and	CCONJ
fsr-3236	260	9	financial	financial	ADJ
fsr-3236	260	10	news	news	NOUN
fsr-3236	260	11	”	"	PUNCT
fsr-3236	260	12	is	be	AUX
fsr-3236	260	13	not	not	PART
fsr-3236	260	14	included	include	VERB
fsr-3236	260	15	in	in	ADP
fsr-3236	260	16	the	the	DET
fsr-3236	260	17	2012	2012	NUM
fsr-3236	260	18	survey	survey	NOUN
fsr-3236	260	19	,	,	PUNCT
fsr-3236	260	20	and	and	CCONJ
fsr-3236	260	21	thus	thus	ADV
fsr-3236	260	22	the	the	DET
fsr-3236	260	23	average	average	ADJ
fsr-3236	260	24	confidence	confidence	NOUN
fsr-3236	260	25	variable	variable	NOUN
fsr-3236	260	26	is	be	AUX
fsr-3236	260	27	computed	compute	VERB
fsr-3236	260	28	as	as	ADP
fsr-3236	260	29	an	an	DET
fsr-3236	260	30	average	average	NOUN
fsr-3236	260	31	of	of	ADP
fsr-3236	260	32	three	three	NUM
fsr-3236	260	33	confidence	confidence	NOUN
fsr-3236	260	34	variables	variable	NOUN
fsr-3236	260	35	.	.	PUNCT
fsr-3236	261	1	4	4	NUM
fsr-3236	261	2	individuals	individual	NOUN
fsr-3236	261	3	are	be	AUX
fsr-3236	261	4	classified	classify	VERB
fsr-3236	261	5	as	as	ADP
fsr-3236	261	6	having	have	VERB
fsr-3236	261	7	high	high	ADJ
fsr-3236	261	8	confidence	confidence	NOUN
fsr-3236	261	9	if	if	SCONJ
fsr-3236	261	10	they	they	PRON
fsr-3236	261	11	self	self	NOUN
fsr-3236	261	12	-	-	PUNCT
fsr-3236	261	13	assessed	assess	VERB
fsr-3236	261	14	their	their	PRON
fsr-3236	261	15	overall	overall	ADJ
fsr-3236	261	16	financial	financial	ADJ
fsr-3236	261	17	knowledge	knowledge	NOUN
fsr-3236	261	18	as	as	ADP
fsr-3236	261	19	a	a	DET
fsr-3236	261	20	6	6	NUM
fsr-3236	261	21	or	or	CCONJ
fsr-3236	261	22	7	7	NUM
fsr-3236	261	23	on	on	ADP
fsr-3236	261	24	a	a	DET
fsr-3236	261	25	7	7	NUM
fsr-3236	261	26	-	-	PUNCT
fsr-3236	261	27	point	point	NOUN
fsr-3236	261	28	scale	scale	NOUN
fsr-3236	261	29	and	and	CCONJ
fsr-3236	261	30	classified	classify	VERB
fsr-3236	261	31	as	as	ADP
fsr-3236	261	32	having	have	VERB
fsr-3236	261	33	low	low	ADJ
fsr-3236	261	34	confidence	confidence	NOUN
fsr-3236	261	35	if	if	SCONJ
fsr-3236	261	36	they	they	PRON
fsr-3236	261	37	self	self	NOUN
fsr-3236	261	38	-	-	PUNCT
fsr-3236	261	39	assessed	assess	VERB
fsr-3236	261	40	their	their	PRON
fsr-3236	261	41	financial	financial	ADJ
fsr-3236	261	42	knowledge	knowledge	NOUN
fsr-3236	261	43	as	as	ADP
fsr-3236	261	44	5	5	NUM
fsr-3236	261	45	or	or	CCONJ
fsr-3236	261	46	lower	low	ADJ
fsr-3236	261	47	on	on	ADP
fsr-3236	261	48	a	a	DET
fsr-3236	261	49	7	7	NUM
fsr-3236	261	50	-	-	PUNCT
fsr-3236	261	51	point	point	NOUN
fsr-3236	261	52	scale	scale	NOUN
fsr-3236	261	53	(	(	PUNCT
fsr-3236	261	54	mean	mean	NOUN
fsr-3236	261	55	�	�	PROPN
fsr-3236	261	56	5.15	5.15	NUM
fsr-3236	261	57	;	;	PUNCT
fsr-3236	261	58	median	median	ADJ
fsr-3236	261	59	�	�	PROPN
fsr-3236	261	60	5.00	5.00	NUM
fsr-3236	261	61	)	)	PUNCT
fsr-3236	261	62	.	.	PUNCT
fsr-3236	262	1	individual	individual	ADJ
fsr-3236	262	2	are	be	AUX
fsr-3236	262	3	classified	classify	VERB
fsr-3236	262	4	as	as	ADP
fsr-3236	262	5	having	have	VERB
fsr-3236	262	6	high	high	ADJ
fsr-3236	262	7	actual	actual	ADJ
fsr-3236	262	8	financial	financial	ADJ
fsr-3236	262	9	knowledge	knowledge	NOUN
fsr-3236	262	10	if	if	SCONJ
fsr-3236	262	11	they	they	PRON
fsr-3236	262	12	answered	answer	VERB
fsr-3236	262	13	3	3	NUM
fsr-3236	262	14	,	,	PUNCT
fsr-3236	262	15	4	4	NUM
fsr-3236	262	16	,	,	PUNCT
fsr-3236	262	17	or	or	CCONJ
fsr-3236	262	18	5	5	NUM
fsr-3236	262	19	of	of	ADP
fsr-3236	262	20	5	5	NUM
fsr-3236	262	21	questions	question	NOUN
fsr-3236	262	22	correctly	correctly	ADV
fsr-3236	262	23	and	and	CCONJ
fsr-3236	262	24	as	as	ADP
fsr-3236	262	25	low	low	ADJ
fsr-3236	262	26	actual	actual	ADJ
fsr-3236	262	27	financial	financial	ADJ
fsr-3236	262	28	knowledge	knowledge	NOUN
fsr-3236	262	29	if	if	SCONJ
fsr-3236	262	30	they	they	PRON
fsr-3236	262	31	answered	answer	VERB
fsr-3236	262	32	2	2	NUM
fsr-3236	262	33	questions	question	NOUN
fsr-3236	262	34	or	or	CCONJ
fsr-3236	262	35	less	less	ADV
fsr-3236	262	36	correctly	correctly	ADV
fsr-3236	262	37	(	(	PUNCT
fsr-3236	262	38	mean	mean	PROPN
fsr-3236	262	39	�	�	PROPN
fsr-3236	262	40	2.88	2.88	NUM
fsr-3236	262	41	;	;	PUNCT
fsr-3236	262	42	median	median	ADJ
fsr-3236	262	43	�	�	PROPN
fsr-3236	262	44	3.00	3.00	NUM
fsr-3236	262	45	)	)	PUNCT
fsr-3236	262	46	.	.	PUNCT
fsr-3236	263	1	appendix	appendix	NOUN
fsr-3236	263	2	:	:	PUNCT
fsr-3236	263	3	finras	finra	NOUN
fsr-3236	263	4	2012	2012	NUM
fsr-3236	263	5	national	national	ADJ
fsr-3236	263	6	financial	financial	ADJ
fsr-3236	263	7	capability	capability	NOUN
fsr-3236	263	8	study	study	NOUN
fsr-3236	263	9	:	:	PUNCT
fsr-3236	263	10	selected	select	VERB
fsr-3236	263	11	survey	survey	NOUN
fsr-3236	263	12	topics	topic	NOUN
fsr-3236	263	13	and	and	CCONJ
fsr-3236	263	14	questions	question	NOUN
fsr-3236	263	15	savings	saving	NOUN
fsr-3236	263	16	and	and	CCONJ
fsr-3236	263	17	loan	loan	NOUN
fsr-3236	263	18	behaviors	behavior	NOUN
fsr-3236	263	19	calculate	calculate	VERB
fsr-3236	263	20	have	have	AUX
fsr-3236	263	21	you	you	PRON
fsr-3236	263	22	ever	ever	ADV
fsr-3236	263	23	tried	try	VERB
fsr-3236	263	24	to	to	PART
fsr-3236	263	25	figure	figure	VERB
fsr-3236	263	26	out	out	ADP
fsr-3236	263	27	how	how	SCONJ
fsr-3236	263	28	much	much	ADJ
fsr-3236	263	29	you	you	PRON
fsr-3236	263	30	need	need	VERB
fsr-3236	263	31	to	to	PART
fsr-3236	263	32	save	save	VERB
fsr-3236	263	33	for	for	ADP
fsr-3236	263	34	retirement	retirement	NOUN
fsr-3236	263	35	?	?	PUNCT
fsr-3236	264	1	compare	compare	PROPN
fsr-3236	264	2	ccs	ccs	PROPN
fsr-3236	264	3	thinking	think	VERB
fsr-3236	264	4	about	about	ADP
fsr-3236	264	5	when	when	SCONJ
fsr-3236	264	6	you	you	PRON
fsr-3236	264	7	obtained	obtain	VERB
fsr-3236	264	8	your	your	PRON
fsr-3236	264	9	most	most	ADV
fsr-3236	264	10	recent	recent	ADJ
fsr-3236	264	11	credit	credit	NOUN
fsr-3236	264	12	card	card	NOUN
fsr-3236	264	13	,	,	PUNCT
fsr-3236	264	14	did	do	AUX
fsr-3236	264	15	you	you	PRON
fsr-3236	264	16	collect	collect	VERB
fsr-3236	264	17	in	in	ADP
fsr-3236	264	18	formation	formation	NOUN
fsr-3236	264	19	about	about	ADP
fsr-3236	264	20	different	different	ADJ
fsr-3236	264	21	cards	card	NOUN
fsr-3236	264	22	from	from	ADP
fsr-3236	264	23	more	more	ADJ
fsr-3236	264	24	than	than	ADP
fsr-3236	264	25	one	one	NUM
fsr-3236	264	26	company	company	NOUN
fsr-3236	264	27	in	in	ADP
fsr-3236	264	28	order	order	NOUN
fsr-3236	264	29	to	to	PART
fsr-3236	264	30	compare	compare	VERB
fsr-3236	264	31	them	they	PRON
fsr-3236	264	32	?	?	PUNCT
fsr-3236	265	1	credit	credit	NOUN
fsr-3236	265	2	report	report	NOUN
fsr-3236	265	3	in	in	ADP
fsr-3236	265	4	the	the	DET
fsr-3236	265	5	past	past	ADJ
fsr-3236	265	6	12	12	NUM
fsr-3236	265	7	months	month	NOUN
fsr-3236	265	8	,	,	PUNCT
fsr-3236	265	9	have	have	AUX
fsr-3236	265	10	you	you	PRON
fsr-3236	265	11	obtained	obtain	VERB
fsr-3236	265	12	a	a	DET
fsr-3236	265	13	copy	copy	NOUN
fsr-3236	265	14	of	of	ADP
fsr-3236	265	15	your	your	PRON
fsr-3236	265	16	credit	credit	NOUN
fsr-3236	265	17	report	report	NOUN
fsr-3236	265	18	?	?	PUNCT
fsr-3236	266	1	credit	credit	NOUN
fsr-3236	266	2	score	score	NOUN
fsr-3236	266	3	in	in	ADP
fsr-3236	266	4	the	the	DET
fsr-3236	266	5	past	past	ADJ
fsr-3236	266	6	12	12	NUM
fsr-3236	266	7	months	month	NOUN
fsr-3236	266	8	,	,	PUNCT
fsr-3236	266	9	have	have	AUX
fsr-3236	266	10	you	you	PRON
fsr-3236	266	11	checked	check	VERB
fsr-3236	266	12	your	your	PRON
fsr-3236	266	13	credit	credit	NOUN
fsr-3236	266	14	score	score	NOUN
fsr-3236	266	15	?	?	PUNCT
fsr-3236	267	1	health	health	NOUN
fsr-3236	267	2	insurance	insurance	NOUN
fsr-3236	267	3	are	be	AUX
fsr-3236	267	4	you	you	PRON
fsr-3236	267	5	covered	cover	VERB
fsr-3236	267	6	by	by	ADP
fsr-3236	267	7	health	health	NOUN
fsr-3236	267	8	insurance	insurance	NOUN
fsr-3236	267	9	?	?	PUNCT
fsr-3236	268	1	life	life	NOUN
fsr-3236	268	2	insurance	insurance	NOUN
fsr-3236	268	3	do	do	AUX
fsr-3236	268	4	you	you	PRON
fsr-3236	268	5	have	have	VERB
fsr-3236	268	6	a	a	DET
fsr-3236	268	7	life	life	NOUN
fsr-3236	268	8	insurance	insurance	NOUN
fsr-3236	268	9	policy	policy	NOUN
fsr-3236	268	10	?	?	PUNCT
fsr-3236	269	1	investments	investment	NOUN
fsr-3236	269	2	not	not	PART
fsr-3236	269	3	including	include	VERB
fsr-3236	269	4	retirement	retirement	NOUN
fsr-3236	269	5	accounts	account	NOUN
fsr-3236	269	6	,	,	PUNCT
fsr-3236	269	7	do	do	AUX
fsr-3236	269	8	you	you	PRON
fsr-3236	269	9	have	have	VERB
fsr-3236	269	10	any	any	DET
fsr-3236	269	11	investments	investment	NOUN
fsr-3236	269	12	in	in	ADP
fsr-3236	269	13	stocks	stock	NOUN
fsr-3236	269	14	,	,	PUNCT
fsr-3236	269	15	bonds	bond	NOUN
fsr-3236	269	16	,	,	PUNCT
fsr-3236	269	17	mutual	mutual	ADJ
fsr-3236	269	18	funds	fund	NOUN
fsr-3236	269	19	,	,	PUNCT
fsr-3236	269	20	or	or	CCONJ
fsr-3236	269	21	other	other	ADJ
fsr-3236	269	22	securities	security	NOUN
fsr-3236	269	23	?	?	PUNCT
fsr-3236	270	1	retirement	retirement	NOUN
fsr-3236	270	2	loan	loan	NOUN
fsr-3236	270	3	in	in	ADP
fsr-3236	270	4	the	the	DET
fsr-3236	270	5	last	last	ADJ
fsr-3236	270	6	12	12	NUM
fsr-3236	270	7	months	month	NOUN
fsr-3236	270	8	,	,	PUNCT
fsr-3236	270	9	have	have	VERB
fsr-3236	270	10	you	you	PRON
fsr-3236	270	11	or	or	CCONJ
fsr-3236	270	12	your	your	PRON
fsr-3236	270	13	spouse	spouse	NOUN
fsr-3236	270	14	/	/	SYM
fsr-3236	270	15	partner	partner	NOUN
fsr-3236	270	16	taken	take	VERB
fsr-3236	270	17	a	a	DET
fsr-3236	270	18	loan	loan	NOUN
fsr-3236	270	19	from	from	ADP
fsr-3236	270	20	your	your	PRON
fsr-3236	270	21	retirement	retirement	NOUN
fsr-3236	270	22	account(s	account(s	PROPN
fsr-3236	270	23	)	)	PUNCT
fsr-3236	270	24	?	?	PUNCT
fsr-3236	271	1	home	home	NOUN
fsr-3236	271	2	equity	equity	NOUN
fsr-3236	271	3	loan	loan	NOUN
fsr-3236	271	4	do	do	AUX
fsr-3236	271	5	you	you	PRON
fsr-3236	271	6	have	have	VERB
fsr-3236	271	7	any	any	DET
fsr-3236	271	8	home	home	NOUN
fsr-3236	271	9	equity	equity	NOUN
fsr-3236	271	10	loans	loan	NOUN
fsr-3236	271	11	?	?	PUNCT
fsr-3236	272	1	foreclosure	foreclosure	NOUN
fsr-3236	272	2	have	have	AUX
fsr-3236	272	3	you	you	PRON
fsr-3236	272	4	been	be	AUX
fsr-3236	272	5	involved	involve	VERB
fsr-3236	272	6	in	in	ADP
fsr-3236	272	7	a	a	DET
fsr-3236	272	8	foreclosure	foreclosure	NOUN
fsr-3236	272	9	process	process	NOUN
fsr-3236	272	10	on	on	ADP
fsr-3236	272	11	your	your	PRON
fsr-3236	272	12	home	home	NOUN
fsr-3236	272	13	in	in	ADP
fsr-3236	272	14	the	the	DET
fsr-3236	272	15	last	last	ADJ
fsr-3236	272	16	2	2	NUM
fsr-3236	272	17	years	year	NOUN
fsr-3236	272	18	?	?	PUNCT
fsr-3236	273	1	risky	risky	ADJ
fsr-3236	273	2	,	,	PUNCT
fsr-3236	273	3	high	high	ADJ
fsr-3236	273	4	-	-	PUNCT
fsr-3236	273	5	cost	cost	NOUN
fsr-3236	273	6	behaviors	behavior	NOUN
fsr-3236	273	7	auto	auto	NOUN
fsr-3236	273	8	title	title	NOUN
fsr-3236	273	9	loan	loan	NOUN
fsr-3236	273	10	in	in	ADP
fsr-3236	273	11	the	the	DET
fsr-3236	273	12	last	last	ADJ
fsr-3236	273	13	two	two	NUM
fsr-3236	273	14	years	year	NOUN
fsr-3236	273	15	,	,	PUNCT
fsr-3236	273	16	have	have	AUX
fsr-3236	273	17	you	you	PRON
fsr-3236	273	18	taken	take	VERB
fsr-3236	273	19	out	out	ADP
fsr-3236	273	20	an	an	DET
fsr-3236	273	21	auto	auto	NOUN
fsr-3236	273	22	title	title	NOUN
fsr-3236	273	23	loan	loan	NOUN
fsr-3236	273	24	?	?	PUNCT
fsr-3236	274	1	payday	payday	NOUN
fsr-3236	274	2	loan	loan	NOUN
fsr-3236	274	3	in	in	ADP
fsr-3236	274	4	the	the	DET
fsr-3236	274	5	last	last	ADJ
fsr-3236	274	6	two	two	NUM
fsr-3236	274	7	years	year	NOUN
fsr-3236	274	8	,	,	PUNCT
fsr-3236	274	9	have	have	AUX
fsr-3236	274	10	you	you	PRON
fsr-3236	274	11	taken	take	VERB
fsr-3236	274	12	out	out	ADP
fsr-3236	274	13	a	a	DET
fsr-3236	274	14	short	short	ADJ
fsr-3236	274	15	term	term	NOUN
fsr-3236	274	16	“	"	PUNCT
fsr-3236	274	17	payday	payday	NOUN
fsr-3236	274	18	”	"	PUNCT
fsr-3236	274	19	loan	loan	NOUN
fsr-3236	274	20	?	?	PUNCT
fsr-3236	275	1	tax	tax	NOUN
fsr-3236	275	2	advance	advance	NOUN
fsr-3236	275	3	in	in	ADP
fsr-3236	275	4	the	the	DET
fsr-3236	275	5	last	last	ADJ
fsr-3236	275	6	two	two	NUM
fsr-3236	275	7	years	year	NOUN
fsr-3236	275	8	,	,	PUNCT
fsr-3236	275	9	have	have	AUX
fsr-3236	275	10	you	you	PRON
fsr-3236	275	11	gotten	get	VERB
fsr-3236	275	12	an	an	DET
fsr-3236	275	13	advance	advance	NOUN
fsr-3236	275	14	on	on	ADP
fsr-3236	275	15	your	your	PRON
fsr-3236	275	16	tax	tax	NOUN
fsr-3236	275	17	refund	refund	NOUN
fsr-3236	275	18	?	?	PUNCT
fsr-3236	276	1	used	use	VERB
fsr-3236	276	2	pawn	pawn	NOUN
fsr-3236	276	3	shop	shop	NOUN
fsr-3236	276	4	in	in	ADP
fsr-3236	276	5	the	the	DET
fsr-3236	276	6	last	last	ADJ
fsr-3236	276	7	two	two	NUM
fsr-3236	276	8	years	year	NOUN
fsr-3236	276	9	,	,	PUNCT
fsr-3236	276	10	have	have	AUX
fsr-3236	276	11	you	you	PRON
fsr-3236	276	12	used	use	VERB
fsr-3236	276	13	a	a	DET
fsr-3236	276	14	pawn	pawn	NOUN
fsr-3236	276	15	shop	shop	NOUN
fsr-3236	276	16	?	?	PUNCT
fsr-3236	277	1	used	use	VERB
fsr-3236	277	2	rent	rent	NOUN
fsr-3236	277	3	-	-	PUNCT
fsr-3236	277	4	to	to	ADP
fsr-3236	277	5	-	-	PUNCT
fsr-3236	277	6	own	own	ADJ
fsr-3236	277	7	in	in	ADP
fsr-3236	277	8	the	the	DET
fsr-3236	277	9	last	last	ADJ
fsr-3236	277	10	two	two	NUM
fsr-3236	277	11	years	year	NOUN
fsr-3236	277	12	,	,	PUNCT
fsr-3236	277	13	have	have	AUX
fsr-3236	277	14	you	you	PRON
fsr-3236	277	15	used	use	VERB
fsr-3236	277	16	a	a	DET
fsr-3236	277	17	rent	rent	NOUN
fsr-3236	277	18	-	-	PUNCT
fsr-3236	277	19	to	to	ADP
fsr-3236	277	20	-	-	PUNCT
fsr-3236	277	21	own	own	ADJ
fsr-3236	277	22	store	store	NOUN
fsr-3236	277	23	?	?	PUNCT
fsr-3236	278	1	references	reference	NOUN
fsr-3236	278	2	agnew	agnew	PROPN
fsr-3236	278	3	,	,	PUNCT
fsr-3236	278	4	j.	j.	PROPN
fsr-3236	278	5	r.	r.	PROPN
fsr-3236	278	6	,	,	PUNCT
fsr-3236	278	7	&	&	CCONJ
fsr-3236	278	8	szykman	szykman	PROPN
fsr-3236	278	9	,	,	PUNCT
fsr-3236	278	10	l.	l.	PROPN
fsr-3236	278	11	r.	r.	PROPN
fsr-3236	278	12	(	(	PUNCT
fsr-3236	278	13	2005	2005	NUM
fsr-3236	278	14	)	)	PUNCT
fsr-3236	278	15	.	.	PUNCT
fsr-3236	279	1	asset	asset	NOUN
fsr-3236	279	2	allocation	allocation	NOUN
fsr-3236	279	3	and	and	CCONJ
fsr-3236	279	4	information	information	NOUN
fsr-3236	279	5	overload	overload	NOUN
fsr-3236	279	6	:	:	PUNCT
fsr-3236	279	7	the	the	DET
fsr-3236	279	8	influence	influence	NOUN
fsr-3236	279	9	of	of	ADP
fsr-3236	279	10	information	information	NOUN
fsr-3236	279	11	display	display	NOUN
fsr-3236	279	12	,	,	PUNCT
fsr-3236	279	13	asset	asset	NOUN
fsr-3236	279	14	choice	choice	NOUN
fsr-3236	279	15	,	,	PUNCT
fsr-3236	279	16	and	and	CCONJ
fsr-3236	279	17	investor	investor	NOUN
fsr-3236	279	18	experience	experience	NOUN
fsr-3236	279	19	.	.	PUNCT
fsr-3236	280	1	journal	journal	NOUN
fsr-3236	280	2	of	of	ADP
fsr-3236	280	3	behavioral	behavioral	ADJ
fsr-3236	280	4	finance	finance	NOUN
fsr-3236	280	5	,	,	PUNCT
fsr-3236	280	6	6	6	NUM
fsr-3236	280	7	,	,	PUNCT
fsr-3236	280	8	57–70	57–70	NUM
fsr-3236	280	9	.	.	PUNCT
fsr-3236	281	1	alhenawi	alhenawi	PROPN
fsr-3236	281	2	,	,	PUNCT
fsr-3236	281	3	y.	y.	PROPN
fsr-3236	281	4	,	,	PUNCT
fsr-3236	281	5	&	&	CCONJ
fsr-3236	281	6	elkhal	elkhal	PROPN
fsr-3236	281	7	,	,	PUNCT
fsr-3236	281	8	k.	k.	PROPN
fsr-3236	281	9	(	(	PUNCT
fsr-3236	281	10	2013	2013	NUM
fsr-3236	281	11	)	)	PUNCT
fsr-3236	281	12	.	.	PUNCT
fsr-3236	282	1	financial	financial	ADJ
fsr-3236	282	2	literacy	literacy	NOUN
fsr-3236	282	3	of	of	ADP
fsr-3236	282	4	u.s	u.s	PROPN
fsr-3236	282	5	.	.	PROPN
fsr-3236	282	6	households	household	NOUN
fsr-3236	282	7	:	:	PUNCT
fsr-3236	282	8	knowledge	knowledge	NOUN
fsr-3236	282	9	vs.	vs.	ADP
fsr-3236	282	10	long	long	ADJ
fsr-3236	282	11	-	-	PUNCT
fsr-3236	282	12	term	term	NOUN
fsr-3236	282	13	financial	financial	ADJ
fsr-3236	282	14	planning	planning	NOUN
fsr-3236	282	15	.	.	PUNCT
fsr-3236	283	1	financial	financial	ADJ
fsr-3236	283	2	services	service	NOUN
fsr-3236	283	3	review	review	PROPN
fsr-3236	283	4	,	,	PUNCT
fsr-3236	283	5	22	22	NUM
fsr-3236	283	6	,	,	PUNCT
fsr-3236	283	7	211–244	211–244	NUM
fsr-3236	283	8	.	.	PUNCT
fsr-3236	284	1	allgood	allgood	PROPN
fsr-3236	284	2	,	,	PUNCT
fsr-3236	284	3	s.	s.	PROPN
fsr-3236	284	4	,	,	PUNCT
fsr-3236	284	5	&	&	CCONJ
fsr-3236	284	6	walstad	walstad	PROPN
fsr-3236	284	7	,	,	PUNCT
fsr-3236	284	8	w.	w.	PROPN
fsr-3236	284	9	(	(	PUNCT
fsr-3236	284	10	2013	2013	NUM
fsr-3236	284	11	)	)	PUNCT
fsr-3236	284	12	.	.	PUNCT
fsr-3236	285	1	financial	financial	ADJ
fsr-3236	285	2	literacy	literacy	NOUN
fsr-3236	285	3	and	and	CCONJ
fsr-3236	285	4	credit	credit	NOUN
fsr-3236	285	5	card	card	NOUN
fsr-3236	285	6	behaviors	behavior	NOUN
fsr-3236	285	7	:	:	PUNCT
fsr-3236	285	8	a	a	DET
fsr-3236	285	9	cross	cross	ADJ
fsr-3236	285	10	-	-	ADJ
fsr-3236	285	11	sectional	sectional	ADJ
fsr-3236	285	12	analysis	analysis	NOUN
fsr-3236	285	13	by	by	ADP
fsr-3236	285	14	age	age	NOUN
fsr-3236	285	15	.	.	PUNCT
fsr-3236	286	1	numeracy	numeracy	NOUN
fsr-3236	286	2	,	,	PUNCT
fsr-3236	286	3	6	6	NUM
fsr-3236	286	4	,	,	PUNCT
fsr-3236	286	5	1–26	1–26	NOUN
fsr-3236	286	6	.	.	PUNCT
fsr-3236	287	1	bandura	bandura	NOUN
fsr-3236	287	2	,	,	PUNCT
fsr-3236	287	3	a.	a.	NOUN
fsr-3236	287	4	(	(	PUNCT
fsr-3236	287	5	1997	1997	NUM
fsr-3236	287	6	)	)	PUNCT
fsr-3236	287	7	.	.	PUNCT
fsr-3236	288	1	self	self	NOUN
fsr-3236	288	2	-	-	PUNCT
fsr-3236	288	3	efficacy	efficacy	NOUN
fsr-3236	288	4	mechanism	mechanism	NOUN
fsr-3236	288	5	in	in	ADP
fsr-3236	288	6	human	human	ADJ
fsr-3236	288	7	agency	agency	NOUN
fsr-3236	288	8	.	.	PUNCT
fsr-3236	289	1	american	american	PROPN
fsr-3236	289	2	psychologist	psychologist	PROPN
fsr-3236	289	3	,	,	PUNCT
fsr-3236	289	4	37	37	NUM
fsr-3236	289	5	,	,	PUNCT
fsr-3236	289	6	122–147	122–147	NUM
fsr-3236	289	7	.	.	PUNCT
fsr-3236	290	1	115c.t	115c.t	NUM
fsr-3236	290	2	.	.	PUNCT
fsr-3236	291	1	asaad	asaad	PROPN
fsr-3236	291	2	/	/	SYM
fsr-3236	291	3	financial	financial	ADJ
fsr-3236	291	4	services	service	NOUN
fsr-3236	291	5	review	review	VERB
fsr-3236	291	6	24	24	NUM
fsr-3236	291	7	(	(	PUNCT
fsr-3236	291	8	2015	2015	NUM
fsr-3236	291	9	)	)	PUNCT
fsr-3236	292	1	101–117	101–117	NUM
fsr-3236	292	2	barber	barber	NOUN
fsr-3236	292	3	,	,	PUNCT
fsr-3236	292	4	b.	b.	PROPN
fsr-3236	292	5	m.	m.	PROPN
fsr-3236	292	6	,	,	PUNCT
fsr-3236	292	7	&	&	CCONJ
fsr-3236	292	8	odean	odean	ADJ
fsr-3236	292	9	,	,	PUNCT
fsr-3236	292	10	t.	t.	PROPN
fsr-3236	292	11	(	(	PUNCT
fsr-3236	292	12	2000	2000	NUM
fsr-3236	292	13	)	)	PUNCT
fsr-3236	292	14	.	.	PUNCT
fsr-3236	293	1	trading	trading	NOUN
fsr-3236	293	2	is	be	AUX
fsr-3236	293	3	hazardous	hazardous	ADJ
fsr-3236	293	4	to	to	ADP
fsr-3236	293	5	your	your	PRON
fsr-3236	293	6	wealth	wealth	NOUN
fsr-3236	293	7	:	:	PUNCT
fsr-3236	293	8	the	the	DET
fsr-3236	293	9	common	common	ADJ
fsr-3236	293	10	stock	stock	NOUN
fsr-3236	293	11	investment	investment	NOUN
fsr-3236	293	12	performance	performance	NOUN
fsr-3236	293	13	of	of	ADP
fsr-3236	293	14	individual	individual	ADJ
fsr-3236	293	15	investors	investor	NOUN
fsr-3236	293	16	.	.	PUNCT
fsr-3236	294	1	journal	journal	PROPN
fsr-3236	294	2	of	of	ADP
fsr-3236	294	3	finance	finance	NOUN
fsr-3236	294	4	,	,	PUNCT
fsr-3236	294	5	55	55	NUM
fsr-3236	294	6	,	,	PUNCT
fsr-3236	294	7	773–806	773–806	NUM
fsr-3236	294	8	.	.	PUNCT
fsr-3236	295	1	beierlein	beierlein	PROPN
fsr-3236	295	2	,	,	PUNCT
fsr-3236	295	3	j.	j.	PROPN
fsr-3236	295	4	j.	j.	PROPN
fsr-3236	295	5	,	,	PUNCT
fsr-3236	295	6	&	&	CCONJ
fsr-3236	295	7	neverett	neverett	PROPN
fsr-3236	295	8	,	,	PUNCT
fsr-3236	295	9	m.	m.	NOUN
fsr-3236	295	10	(	(	PUNCT
fsr-3236	295	11	2013	2013	NUM
fsr-3236	295	12	)	)	PUNCT
fsr-3236	295	13	.	.	PUNCT
fsr-3236	296	1	who	who	PRON
fsr-3236	296	2	takes	take	VERB
fsr-3236	296	3	personal	personal	ADJ
fsr-3236	296	4	finance	finance	NOUN
fsr-3236	296	5	?	?	PUNCT
fsr-3236	297	1	financial	financial	ADJ
fsr-3236	297	2	services	service	NOUN
fsr-3236	297	3	review	review	PROPN
fsr-3236	297	4	,	,	PUNCT
fsr-3236	297	5	22	22	NUM
fsr-3236	297	6	,	,	PUNCT
fsr-3236	297	7	151–171	151–171	NUM
fsr-3236	297	8	.	.	PUNCT
fsr-3236	298	1	bernheim	bernheim	PROPN
fsr-3236	298	2	,	,	PUNCT
fsr-3236	298	3	b.	b.	PROPN
fsr-3236	298	4	d.	d.	PROPN
fsr-3236	298	5	,	,	PUNCT
fsr-3236	298	6	garrett	garrett	PROPN
fsr-3236	298	7	,	,	PUNCT
fsr-3236	298	8	d.	d.	PROPN
fsr-3236	298	9	m.	m.	PROPN
fsr-3236	298	10	,	,	PUNCT
fsr-3236	298	11	&	&	CCONJ
fsr-3236	298	12	maki	maki	PROPN
fsr-3236	298	13	,	,	PUNCT
fsr-3236	298	14	d.	d.	PROPN
fsr-3236	298	15	m.	m.	PROPN
fsr-3236	298	16	(	(	PUNCT
fsr-3236	298	17	2011	2011	NUM
fsr-3236	298	18	)	)	PUNCT
fsr-3236	298	19	.	.	PUNCT
fsr-3236	299	1	education	education	NOUN
fsr-3236	299	2	and	and	CCONJ
fsr-3236	299	3	saving	saving	NOUN
fsr-3236	299	4	:	:	PUNCT
fsr-3236	299	5	the	the	DET
fsr-3236	299	6	long	long	ADJ
fsr-3236	299	7	-	-	PUNCT
fsr-3236	299	8	term	term	NOUN
fsr-3236	299	9	effects	effect	NOUN
fsr-3236	299	10	of	of	ADP
fsr-3236	299	11	high	high	ADJ
fsr-3236	299	12	school	school	NOUN
fsr-3236	299	13	financial	financial	ADJ
fsr-3236	299	14	curriculum	curriculum	NOUN
fsr-3236	299	15	mandates	mandate	NOUN
fsr-3236	299	16	.	.	PUNCT
fsr-3236	300	1	journal	journal	NOUN
fsr-3236	300	2	of	of	ADP
fsr-3236	300	3	public	public	ADJ
fsr-3236	300	4	economics	economic	NOUN
fsr-3236	300	5	,	,	PUNCT
fsr-3236	300	6	80	80	NUM
fsr-3236	300	7	,	,	PUNCT
fsr-3236	300	8	435–465	435–465	NUM
fsr-3236	300	9	.	.	PUNCT
fsr-3236	301	1	campbell	campbell	PROPN
fsr-3236	301	2	,	,	PUNCT
fsr-3236	301	3	w.	w.	PROPN
fsr-3236	301	4	k.	k.	PROPN
fsr-3236	301	5	,	,	PUNCT
fsr-3236	301	6	goodie	goodie	PROPN
fsr-3236	301	7	,	,	PUNCT
fsr-3236	301	8	a.	a.	PROPN
fsr-3236	301	9	s.	s.	PROPN
fsr-3236	301	10	,	,	PUNCT
fsr-3236	301	11	&	&	CCONJ
fsr-3236	301	12	foster	foster	PROPN
fsr-3236	301	13	,	,	PUNCT
fsr-3236	301	14	j.	j.	PROPN
fsr-3236	301	15	d.	d.	PROPN
fsr-3236	301	16	(	(	PUNCT
fsr-3236	301	17	2004	2004	NUM
fsr-3236	301	18	)	)	PUNCT
fsr-3236	301	19	.	.	PUNCT
fsr-3236	302	1	narcissism	narcissism	NOUN
fsr-3236	302	2	,	,	PUNCT
fsr-3236	302	3	confidence	confidence	NOUN
fsr-3236	302	4	,	,	PUNCT
fsr-3236	302	5	and	and	CCONJ
fsr-3236	302	6	risk	risk	NOUN
fsr-3236	302	7	attitude	attitude	NOUN
fsr-3236	302	8	.	.	PUNCT
fsr-3236	303	1	journal	journal	NOUN
fsr-3236	303	2	of	of	ADP
fsr-3236	303	3	behavioral	behavioral	ADJ
fsr-3236	303	4	decision	decision	NOUN
fsr-3236	303	5	making	making	NOUN
fsr-3236	303	6	,	,	PUNCT
fsr-3236	303	7	17	17	NUM
fsr-3236	303	8	,	,	PUNCT
fsr-3236	303	9	297–311	297–311	NUM
fsr-3236	303	10	.	.	PUNCT
fsr-3236	304	1	carpena	carpena	PROPN
fsr-3236	304	2	,	,	PUNCT
fsr-3236	304	3	f.	f.	PROPN
fsr-3236	304	4	,	,	PUNCT
fsr-3236	304	5	cole	cole	PROPN
fsr-3236	304	6	,	,	PUNCT
fsr-3236	304	7	s.	s.	PROPN
fsr-3236	304	8	,	,	PUNCT
fsr-3236	304	9	shapiro	shapiro	PROPN
fsr-3236	304	10	,	,	PUNCT
fsr-3236	304	11	j.	j.	PROPN
fsr-3236	304	12	,	,	PUNCT
fsr-3236	304	13	&	&	CCONJ
fsr-3236	304	14	zia	zia	PROPN
fsr-3236	304	15	,	,	PUNCT
fsr-3236	304	16	b.	b.	PROPN
fsr-3236	304	17	(	(	PUNCT
fsr-3236	304	18	2011	2011	NUM
fsr-3236	304	19	)	)	PUNCT
fsr-3236	304	20	.	.	PUNCT
fsr-3236	305	1	unpacking	unpack	VERB
fsr-3236	305	2	the	the	DET
fsr-3236	305	3	causal	causal	ADJ
fsr-3236	305	4	chain	chain	NOUN
fsr-3236	305	5	of	of	ADP
fsr-3236	305	6	financial	financial	ADJ
fsr-3236	305	7	literacy	literacy	NOUN
fsr-3236	305	8	.	.	PUNCT
fsr-3236	306	1	world	world	PROPN
fsr-3236	306	2	bank	bank	PROPN
fsr-3236	306	3	policy	policy	NOUN
fsr-3236	306	4	research	research	NOUN
fsr-3236	306	5	working	working	NOUN
fsr-3236	306	6	paper	paper	NOUN
fsr-3236	306	7	series	series	NOUN
fsr-3236	306	8	,	,	PUNCT
fsr-3236	306	9	vol	vol	NOUN
fsr-3236	306	10	.	.	PUNCT
fsr-3236	306	11	(	(	PUNCT
fsr-3236	306	12	2011	2011	NUM
fsr-3236	306	13	)	)	PUNCT
fsr-3236	306	14	.	.	PUNCT
fsr-3236	307	1	choi	choi	PROPN
fsr-3236	307	2	,	,	PUNCT
fsr-3236	307	3	j.	j.	PROPN
fsr-3236	307	4	j.	j.	PROPN
fsr-3236	307	5	,	,	PUNCT
fsr-3236	307	6	laibson	laibson	PROPN
fsr-3236	307	7	,	,	PUNCT
fsr-3236	307	8	d.	d.	PROPN
fsr-3236	307	9	,	,	PUNCT
fsr-3236	307	10	&	&	CCONJ
fsr-3236	307	11	madrian	madrian	PROPN
fsr-3236	307	12	,	,	PUNCT
fsr-3236	307	13	b.	b.	PROPN
fsr-3236	307	14	c.	c.	PROPN
fsr-3236	307	15	(	(	PUNCT
fsr-3236	307	16	2005	2005	NUM
fsr-3236	307	17	)	)	PUNCT
fsr-3236	307	18	.	.	PUNCT
fsr-3236	307	19	are	be	AUX
fsr-3236	307	20	empowerment	empowerment	NOUN
fsr-3236	307	21	and	and	CCONJ
fsr-3236	307	22	education	education	NOUN
fsr-3236	307	23	enough	enough	ADV
fsr-3236	307	24	?	?	PUNCT
fsr-3236	308	1	underdiversification	underdiversification	NOUN
fsr-3236	308	2	in	in	ADP
fsr-3236	308	3	401(k	401(k	PROPN
fsr-3236	308	4	)	)	PUNCT
fsr-3236	308	5	plans	plan	NOUN
fsr-3236	308	6	.	.	PUNCT
fsr-3236	309	1	brookings	brookings	PROPN
fsr-3236	309	2	papers	paper	NOUN
fsr-3236	309	3	on	on	ADP
fsr-3236	309	4	economic	economic	ADJ
fsr-3236	309	5	activity	activity	NOUN
fsr-3236	309	6	,	,	PUNCT
fsr-3236	309	7	2005	2005	NUM
fsr-3236	309	8	,	,	PUNCT
fsr-3236	309	9	151–198	151–198	NUM
fsr-3236	309	10	.	.	PUNCT
fsr-3236	310	1	collins	collins	PROPN
fsr-3236	310	2	,	,	PUNCT
fsr-3236	310	3	j.	j.	PROPN
fsr-3236	310	4	m.	m.	PROPN
fsr-3236	310	5	(	(	PUNCT
fsr-3236	310	6	2012	2012	NUM
fsr-3236	310	7	)	)	PUNCT
fsr-3236	310	8	.	.	PUNCT
fsr-3236	311	1	financial	financial	ADJ
fsr-3236	311	2	advice	advice	NOUN
fsr-3236	311	3	:	:	PUNCT
fsr-3236	311	4	a	a	DET
fsr-3236	311	5	substitute	substitute	NOUN
fsr-3236	311	6	for	for	ADP
fsr-3236	311	7	financial	financial	ADJ
fsr-3236	311	8	literacy	literacy	NOUN
fsr-3236	311	9	?	?	PUNCT
fsr-3236	312	1	financial	financial	ADJ
fsr-3236	312	2	services	service	NOUN
fsr-3236	312	3	review	review	PROPN
fsr-3236	312	4	,	,	PUNCT
fsr-3236	312	5	21	21	NUM
fsr-3236	312	6	,	,	PUNCT
fsr-3236	312	7	307–322	307–322	NUM
fsr-3236	312	8	.	.	PUNCT
fsr-3236	313	1	cordell	cordell	PROPN
fsr-3236	313	2	,	,	PUNCT
fsr-3236	313	3	d.	d.	PROPN
fsr-3236	313	4	m.	m.	PROPN
fsr-3236	313	5	,	,	PUNCT
fsr-3236	313	6	smith	smith	PROPN
fsr-3236	313	7	,	,	PUNCT
fsr-3236	313	8	r.	r.	PROPN
fsr-3236	313	9	,	,	PUNCT
fsr-3236	313	10	&	&	CCONJ
fsr-3236	313	11	terry	terry	PROPN
fsr-3236	313	12	,	,	PUNCT
fsr-3236	313	13	a.	a.	NOUN
fsr-3236	313	14	(	(	PUNCT
fsr-3236	313	15	2011	2011	NUM
fsr-3236	313	16	)	)	PUNCT
fsr-3236	313	17	.	.	PUNCT
fsr-3236	314	1	overconfidence	overconfidence	NOUN
fsr-3236	314	2	in	in	ADP
fsr-3236	314	3	financial	financial	ADJ
fsr-3236	314	4	planners	planner	NOUN
fsr-3236	314	5	.	.	PUNCT
fsr-3236	315	1	financial	financial	ADJ
fsr-3236	315	2	services	service	NOUN
fsr-3236	315	3	review	review	PROPN
fsr-3236	315	4	,	,	PUNCT
fsr-3236	315	5	20	20	NUM
fsr-3236	315	6	,	,	PUNCT
fsr-3236	315	7	253–263	253–263	NUM
fsr-3236	315	8	.	.	PUNCT
fsr-3236	316	1	courchane	courchane	PROPN
fsr-3236	316	2	,	,	PUNCT
fsr-3236	316	3	m.	m.	NOUN
fsr-3236	316	4	,	,	PUNCT
fsr-3236	316	5	gailey	gailey	PROPN
fsr-3236	316	6	,	,	PUNCT
fsr-3236	316	7	a.	a.	PROPN
fsr-3236	316	8	,	,	PUNCT
fsr-3236	316	9	&	&	CCONJ
fsr-3236	316	10	zorn	zorn	PROPN
fsr-3236	316	11	,	,	PUNCT
fsr-3236	316	12	p.	p.	NOUN
fsr-3236	316	13	(	(	PUNCT
fsr-3236	316	14	2008	2008	NUM
fsr-3236	316	15	)	)	PUNCT
fsr-3236	316	16	.	.	PUNCT
fsr-3236	317	1	consumer	consumer	NOUN
fsr-3236	317	2	credit	credit	NOUN
fsr-3236	317	3	literacy	literacy	NOUN
fsr-3236	317	4	:	:	PUNCT
fsr-3236	317	5	what	what	DET
fsr-3236	317	6	price	price	NOUN
fsr-3236	317	7	perception	perception	NOUN
fsr-3236	317	8	?	?	PUNCT
fsr-3236	317	9	.	.	PUNCT
fsr-3236	318	1	journal	journal	PROPN
fsr-3236	318	2	of	of	ADP
fsr-3236	318	3	economics	economic	NOUN
fsr-3236	318	4	and	and	CCONJ
fsr-3236	318	5	business	business	NOUN
fsr-3236	318	6	,	,	PUNCT
fsr-3236	318	7	60	60	NUM
fsr-3236	318	8	,	,	PUNCT
fsr-3236	318	9	125–138	125–138	NUM
fsr-3236	318	10	.	.	PUNCT
fsr-3236	318	11	fisher	fisher	PROPN
fsr-3236	318	12	,	,	PUNCT
fsr-3236	318	13	p.	p.	PROPN
fsr-3236	318	14	j.	j.	PROPN
fsr-3236	319	1	(	(	PUNCT
fsr-3236	319	2	2010	2010	NUM
fsr-3236	319	3	)	)	PUNCT
fsr-3236	319	4	.	.	PUNCT
fsr-3236	320	1	black	black	ADJ
fsr-3236	320	2	-	-	PUNCT
fsr-3236	320	3	white	white	ADJ
fsr-3236	320	4	differences	difference	NOUN
fsr-3236	320	5	in	in	ADP
fsr-3236	320	6	saving	save	VERB
fsr-3236	320	7	behaviors	behavior	NOUN
fsr-3236	320	8	.	.	PUNCT
fsr-3236	321	1	financial	financial	ADJ
fsr-3236	321	2	services	service	NOUN
fsr-3236	321	3	review	review	PROPN
fsr-3236	321	4	,	,	PUNCT
fsr-3236	321	5	19	19	NUM
fsr-3236	321	6	,	,	PUNCT
fsr-3236	321	7	1–16	1–16	PROPN
fsr-3236	321	8	.	.	PUNCT
fsr-3236	322	1	goel	goel	PROPN
fsr-3236	322	2	,	,	PUNCT
fsr-3236	322	3	a.	a.	NOUN
fsr-3236	322	4	m.	m.	NOUN
fsr-3236	322	5	,	,	PUNCT
fsr-3236	322	6	&	&	CCONJ
fsr-3236	322	7	thakor	thakor	PROPN
fsr-3236	322	8	,	,	PUNCT
fsr-3236	322	9	a.	a.	PROPN
fsr-3236	322	10	v.	v.	PROPN
fsr-3236	322	11	(	(	PUNCT
fsr-3236	322	12	2008	2008	NUM
fsr-3236	322	13	)	)	PUNCT
fsr-3236	322	14	.	.	PUNCT
fsr-3236	323	1	overconfidence	overconfidence	NOUN
fsr-3236	323	2	,	,	PUNCT
fsr-3236	323	3	ceo	ceo	NOUN
fsr-3236	323	4	selection	selection	NOUN
fsr-3236	323	5	,	,	PUNCT
fsr-3236	323	6	and	and	CCONJ
fsr-3236	323	7	corporate	corporate	ADJ
fsr-3236	323	8	governance	governance	NOUN
fsr-3236	323	9	.	.	PUNCT
fsr-3236	324	1	journal	journal	NOUN
fsr-3236	324	2	of	of	ADP
fsr-3236	324	3	finance	finance	NOUN
fsr-3236	324	4	,	,	PUNCT
fsr-3236	324	5	63	63	NUM
fsr-3236	324	6	,	,	PUNCT
fsr-3236	324	7	2737–2784	2737–2784	NUM
fsr-3236	324	8	.	.	PUNCT
fsr-3236	325	1	grimes	grimes	PROPN
fsr-3236	325	2	,	,	PUNCT
fsr-3236	325	3	p.	p.	PROPN
fsr-3236	325	4	w.	w.	PROPN
fsr-3236	325	5	,	,	PUNCT
fsr-3236	325	6	rogers	rogers	PROPN
fsr-3236	325	7	,	,	PUNCT
fsr-3236	325	8	k.	k.	PROPN
fsr-3236	325	9	e.	e.	PROPN
fsr-3236	325	10	,	,	PUNCT
fsr-3236	325	11	&	&	CCONJ
fsr-3236	325	12	smith	smith	PROPN
fsr-3236	325	13	,	,	PUNCT
fsr-3236	325	14	r.	r.	PROPN
fsr-3236	325	15	c.	c.	PROPN
fsr-3236	325	16	(	(	PUNCT
fsr-3236	325	17	2010	2010	NUM
fsr-3236	325	18	)	)	PUNCT
fsr-3236	325	19	.	.	PUNCT
fsr-3236	326	1	high	high	ADJ
fsr-3236	326	2	school	school	PROPN
fsr-3236	326	3	economic	economic	ADJ
fsr-3236	326	4	education	education	NOUN
fsr-3236	326	5	and	and	CCONJ
fsr-3236	326	6	access	access	NOUN
fsr-3236	326	7	to	to	ADP
fsr-3236	326	8	financial	financial	ADJ
fsr-3236	326	9	services	service	NOUN
fsr-3236	326	10	.	.	PUNCT
fsr-3236	327	1	journal	journal	NOUN
fsr-3236	327	2	of	of	ADP
fsr-3236	327	3	consumer	consumer	NOUN
fsr-3236	327	4	affairs	affair	NOUN
fsr-3236	327	5	,	,	PUNCT
fsr-3236	327	6	44	44	NUM
fsr-3236	327	7	,	,	PUNCT
fsr-3236	327	8	317–335	317–335	NUM
fsr-3236	327	9	.	.	PUNCT
fsr-3236	328	1	grinblatt	grinblatt	PROPN
fsr-3236	328	2	,	,	PUNCT
fsr-3236	328	3	m.	m.	NOUN
fsr-3236	328	4	,	,	PUNCT
fsr-3236	328	5	&	&	CCONJ
fsr-3236	328	6	keloharju	keloharju	NOUN
fsr-3236	328	7	,	,	PUNCT
fsr-3236	328	8	m.	m.	NOUN
fsr-3236	328	9	(	(	PUNCT
fsr-3236	328	10	2009	2009	NUM
fsr-3236	328	11	)	)	PUNCT
fsr-3236	328	12	.	.	PUNCT
fsr-3236	329	1	sensation	sensation	NOUN
fsr-3236	329	2	seeking	seeking	NOUN
fsr-3236	329	3	,	,	PUNCT
fsr-3236	329	4	overconfidence	overconfidence	NOUN
fsr-3236	329	5	,	,	PUNCT
fsr-3236	329	6	and	and	CCONJ
fsr-3236	329	7	trading	trading	NOUN
fsr-3236	329	8	activity	activity	NOUN
fsr-3236	329	9	.	.	PUNCT
fsr-3236	330	1	journal	journal	PROPN
fsr-3236	330	2	of	of	ADP
fsr-3236	330	3	finance	finance	NOUN
fsr-3236	330	4	,	,	PUNCT
fsr-3236	330	5	64	64	NUM
fsr-3236	330	6	,	,	PUNCT
fsr-3236	330	7	549–578	549–578	NUM
fsr-3236	330	8	.	.	PUNCT
fsr-3236	331	1	healy	healy	PROPN
fsr-3236	331	2	,	,	PUNCT
fsr-3236	331	3	p.	p.	PROPN
fsr-3236	331	4	,	,	PUNCT
fsr-3236	331	5	&	&	CCONJ
fsr-3236	331	6	moore	moore	PROPN
fsr-3236	331	7	,	,	PUNCT
fsr-3236	331	8	d.	d.	PROPN
fsr-3236	331	9	(	(	PUNCT
fsr-3236	331	10	2007	2007	NUM
fsr-3236	331	11	)	)	PUNCT
fsr-3236	331	12	.	.	PUNCT
fsr-3236	332	1	bayesian	bayesian	NOUN
fsr-3236	332	2	overconfidence	overconfidence	NOUN
fsr-3236	332	3	.	.	PUNCT
fsr-3236	333	1	available	available	ADJ
fsr-3236	333	2	at	at	ADP
fsr-3236	333	3	ssrn	ssrn	PROPN
fsr-3236	333	4	1001820	1001820	NUM
fsr-3236	333	5	.	.	PUNCT
fsr-3236	334	1	johnson	johnson	PROPN
fsr-3236	334	2	,	,	PUNCT
fsr-3236	334	3	d.	d.	PROPN
fsr-3236	334	4	d.	d.	PROPN
fsr-3236	334	5	,	,	PUNCT
fsr-3236	334	6	&	&	CCONJ
fsr-3236	334	7	fowler	fowler	PROPN
fsr-3236	334	8	,	,	PUNCT
fsr-3236	334	9	j.	j.	PROPN
fsr-3236	334	10	h.	h.	PROPN
fsr-3236	334	11	(	(	PUNCT
fsr-3236	334	12	2011	2011	NUM
fsr-3236	334	13	)	)	PUNCT
fsr-3236	334	14	.	.	PUNCT
fsr-3236	335	1	the	the	DET
fsr-3236	335	2	evolution	evolution	NOUN
fsr-3236	335	3	of	of	ADP
fsr-3236	335	4	overconfidence	overconfidence	NOUN
fsr-3236	335	5	.	.	PUNCT
fsr-3236	336	1	nature	nature	NOUN
fsr-3236	336	2	,	,	PUNCT
fsr-3236	336	3	477	477	NUM
fsr-3236	336	4	,	,	PUNCT
fsr-3236	336	5	317–320	317–320	NUM
fsr-3236	336	6	.	.	PUNCT
fsr-3236	337	1	kyrychenko	kyrychenko	PROPN
fsr-3236	337	2	,	,	PUNCT
fsr-3236	337	3	v.	v.	PROPN
fsr-3236	337	4	,	,	PUNCT
fsr-3236	337	5	&	&	CCONJ
fsr-3236	337	6	shumb	shumb	PROPN
fsr-3236	337	7	,	,	PUNCT
fsr-3236	337	8	p.	p.	NOUN
fsr-3236	337	9	(	(	PUNCT
fsr-3236	337	10	2009	2009	NUM
fsr-3236	337	11	)	)	PUNCT
fsr-3236	337	12	.	.	PUNCT
fsr-3236	338	1	who	who	PRON
fsr-3236	338	2	holds	hold	VERB
fsr-3236	338	3	foreign	foreign	ADJ
fsr-3236	338	4	stocks	stock	NOUN
fsr-3236	338	5	and	and	CCONJ
fsr-3236	338	6	bonds	bond	NOUN
fsr-3236	338	7	?	?	PUNCT
fsr-3236	339	1	characteristics	characteristic	NOUN
fsr-3236	339	2	of	of	ADP
fsr-3236	339	3	active	active	ADJ
fsr-3236	339	4	investors	investor	NOUN
fsr-3236	339	5	in	in	ADP
fsr-3236	339	6	foreign	foreign	ADJ
fsr-3236	339	7	securities	security	NOUN
fsr-3236	339	8	.	.	PUNCT
fsr-3236	340	1	financial	financial	ADJ
fsr-3236	340	2	services	services	PROPN
fsr-3236	340	3	review	review	PROPN
fsr-3236	340	4	,	,	PUNCT
fsr-3236	340	5	18	18	NUM
fsr-3236	340	6	,	,	PUNCT
fsr-3236	340	7	1–21	1–21	PROPN
fsr-3236	340	8	.	.	PUNCT
fsr-3236	341	1	lusardi	lusardi	PROPN
fsr-3236	341	2	,	,	PUNCT
fsr-3236	341	3	a.	a.	NOUN
fsr-3236	341	4	(	(	PUNCT
fsr-3236	341	5	2004	2004	NUM
fsr-3236	341	6	)	)	PUNCT
fsr-3236	341	7	.	.	PUNCT
fsr-3236	342	1	saving	save	VERB
fsr-3236	342	2	and	and	CCONJ
fsr-3236	342	3	the	the	DET
fsr-3236	342	4	effectiveness	effectiveness	NOUN
fsr-3236	342	5	of	of	ADP
fsr-3236	342	6	financial	financial	ADJ
fsr-3236	342	7	education	education	NOUN
fsr-3236	342	8	.	.	PUNCT
fsr-3236	343	1	in	in	ADP
fsr-3236	343	2	o.	o.	PROPN
fsr-3236	343	3	mitchell	mitchell	PROPN
fsr-3236	343	4	&	&	CCONJ
fsr-3236	343	5	w.	w.	PROPN
fsr-3236	343	6	utkus	utkus	PROPN
fsr-3236	343	7	(	(	PUNCT
fsr-3236	343	8	ed	ed	NOUN
fsr-3236	343	9	.	.	PUNCT
fsr-3236	343	10	)	)	PUNCT
fsr-3236	343	11	,	,	PUNCT
fsr-3236	343	12	pension	pension	NOUN
fsr-3236	343	13	design	design	NOUN
fsr-3236	343	14	and	and	CCONJ
fsr-3236	343	15	structure	structure	NOUN
fsr-3236	343	16	:	:	PUNCT
fsr-3236	343	17	new	new	ADJ
fsr-3236	343	18	lessons	lesson	NOUN
fsr-3236	343	19	from	from	ADP
fsr-3236	343	20	behavioral	behavioral	ADJ
fsr-3236	343	21	finance	finance	NOUN
fsr-3236	343	22	(	(	PUNCT
fsr-3236	343	23	pp	pp	ADV
fsr-3236	343	24	.	.	PUNCT
fsr-3236	344	1	157–184	157–184	NUM
fsr-3236	344	2	)	)	PUNCT
fsr-3236	344	3	.	.	PUNCT
fsr-3236	345	1	cambridge	cambridge	PROPN
fsr-3236	345	2	:	:	PUNCT
fsr-3236	345	3	oxford	oxford	PROPN
fsr-3236	345	4	university	university	PROPN
fsr-3236	345	5	press	press	NOUN
fsr-3236	345	6	.	.	PUNCT
fsr-3236	346	1	lusardi	lusardi	PROPN
fsr-3236	346	2	,	,	PUNCT
fsr-3236	346	3	a.	a.	NOUN
fsr-3236	346	4	(	(	PUNCT
fsr-3236	346	5	2008	2008	NUM
fsr-3236	346	6	)	)	PUNCT
fsr-3236	346	7	.	.	PUNCT
fsr-3236	347	1	financial	financial	ADJ
fsr-3236	347	2	literacy	literacy	NOUN
fsr-3236	347	3	:	:	PUNCT
fsr-3236	347	4	an	an	DET
fsr-3236	347	5	essential	essential	ADJ
fsr-3236	347	6	tool	tool	NOUN
fsr-3236	347	7	for	for	ADP
fsr-3236	347	8	informed	informed	ADJ
fsr-3236	347	9	consumer	consumer	NOUN
fsr-3236	347	10	choice	choice	NOUN
fsr-3236	347	11	?	?	PUNCT
fsr-3236	348	1	(	(	PUNCT
fsr-3236	348	2	available	available	ADJ
fsr-3236	348	3	at	at	ADP
fsr-3236	348	4	http://	http://	PROPN
fsr-3236	348	5	www.dartmouth.edu/�alusardi/pub.html	www.dartmouth.edu/�alusardi/pub.html	PROPN
fsr-3236	348	6	)	)	PUNCT
fsr-3236	348	7	.	.	PUNCT
fsr-3236	349	1	lusardi	lusardi	PROPN
fsr-3236	349	2	,	,	PUNCT
fsr-3236	349	3	a.	a.	PROPN
fsr-3236	349	4	,	,	PUNCT
fsr-3236	349	5	&	&	CCONJ
fsr-3236	349	6	mitchell	mitchell	PROPN
fsr-3236	349	7	,	,	PUNCT
fsr-3236	349	8	o.	o.	PROPN
fsr-3236	349	9	s.	s.	PROPN
fsr-3236	349	10	(	(	PUNCT
fsr-3236	349	11	2007	2007	NUM
fsr-3236	349	12	)	)	PUNCT
fsr-3236	349	13	.	.	PUNCT
fsr-3236	350	1	baby	baby	NOUN
fsr-3236	350	2	boomer	boomer	PROPN
fsr-3236	350	3	retirement	retirement	PROPN
fsr-3236	350	4	security	security	PROPN
fsr-3236	350	5	:	:	PUNCT
fsr-3236	350	6	the	the	DET
fsr-3236	350	7	roles	role	NOUN
fsr-3236	350	8	of	of	ADP
fsr-3236	350	9	planning	planning	NOUN
fsr-3236	350	10	,	,	PUNCT
fsr-3236	350	11	financial	financial	ADJ
fsr-3236	350	12	literacy	literacy	NOUN
fsr-3236	350	13	,	,	PUNCT
fsr-3236	350	14	and	and	CCONJ
fsr-3236	350	15	housing	housing	NOUN
fsr-3236	350	16	wealth	wealth	NOUN
fsr-3236	350	17	.	.	PUNCT
fsr-3236	351	1	journal	journal	PROPN
fsr-3236	351	2	of	of	ADP
fsr-3236	351	3	monetary	monetary	ADJ
fsr-3236	351	4	economics	economic	NOUN
fsr-3236	351	5	,	,	PUNCT
fsr-3236	351	6	54	54	NUM
fsr-3236	351	7	,	,	PUNCT
fsr-3236	351	8	205–224	205–224	NUM
fsr-3236	351	9	.	.	PUNCT
fsr-3236	352	1	lusardi	lusardi	PROPN
fsr-3236	352	2	,	,	PUNCT
fsr-3236	352	3	a.	a.	PROPN
fsr-3236	352	4	,	,	PUNCT
fsr-3236	352	5	&	&	CCONJ
fsr-3236	352	6	mitchell	mitchell	PROPN
fsr-3236	352	7	,	,	PUNCT
fsr-3236	352	8	o.	o.	PROPN
fsr-3236	352	9	(	(	PUNCT
fsr-3236	352	10	2011	2011	NUM
fsr-3236	352	11	)	)	PUNCT
fsr-3236	352	12	.	.	PUNCT
fsr-3236	353	1	financial	financial	ADJ
fsr-3236	353	2	literacy	literacy	NOUN
fsr-3236	353	3	around	around	ADP
fsr-3236	353	4	the	the	DET
fsr-3236	353	5	world	world	NOUN
fsr-3236	353	6	:	:	PUNCT
fsr-3236	353	7	an	an	DET
fsr-3236	353	8	overview	overview	NOUN
fsr-3236	353	9	.	.	PUNCT
fsr-3236	354	1	journal	journal	NOUN
fsr-3236	354	2	of	of	ADP
fsr-3236	354	3	pension	pension	NOUN
fsr-3236	354	4	economics	economic	NOUN
fsr-3236	354	5	and	and	CCONJ
fsr-3236	354	6	finance	finance	NOUN
fsr-3236	354	7	,	,	PUNCT
fsr-3236	354	8	10	10	NUM
fsr-3236	354	9	,	,	PUNCT
fsr-3236	354	10	497–508	497–508	NUM
fsr-3236	354	11	.	.	PUNCT
fsr-3236	355	1	lusardi	lusardi	PROPN
fsr-3236	355	2	,	,	PUNCT
fsr-3236	355	3	a.	a.	PROPN
fsr-3236	355	4	,	,	PUNCT
fsr-3236	355	5	mitchell	mitchell	PROPN
fsr-3236	355	6	,	,	PUNCT
fsr-3236	355	7	o.	o.	PROPN
fsr-3236	355	8	&	&	CCONJ
fsr-3236	355	9	curto	curto	PROPN
fsr-3236	355	10	,	,	PUNCT
fsr-3236	355	11	v.	v.	PROPN
fsr-3236	355	12	(	(	PUNCT
fsr-3236	355	13	2010	2010	NUM
fsr-3236	355	14	)	)	PUNCT
fsr-3236	355	15	.	.	PUNCT
fsr-3236	356	1	financial	financial	ADJ
fsr-3236	356	2	literacy	literacy	NOUN
fsr-3236	356	3	among	among	ADP
fsr-3236	356	4	the	the	DET
fsr-3236	356	5	young	young	ADJ
fsr-3236	356	6	.	.	PUNCT
fsr-3236	357	1	journal	journal	PROPN
fsr-3236	357	2	of	of	ADP
fsr-3236	357	3	consumer	consumer	NOUN
fsr-3236	357	4	affairs	affair	NOUN
fsr-3236	357	5	,	,	PUNCT
fsr-3236	357	6	44	44	NUM
fsr-3236	357	7	,	,	PUNCT
fsr-3236	357	8	358–380	358–380	NUM
fsr-3236	357	9	.	.	PUNCT
fsr-3236	358	1	mandell	mandell	PROPN
fsr-3236	358	2	,	,	PUNCT
fsr-3236	358	3	l.	l.	PROPN
fsr-3236	358	4	(	(	PUNCT
fsr-3236	358	5	2006	2006	NUM
fsr-3236	358	6	)	)	PUNCT
fsr-3236	358	7	.	.	PUNCT
fsr-3236	359	1	teaching	teach	VERB
fsr-3236	359	2	young	young	ADJ
fsr-3236	359	3	dogs	dog	NOUN
fsr-3236	359	4	old	old	ADJ
fsr-3236	359	5	tricks	trick	NOUN
fsr-3236	359	6	:	:	PUNCT
fsr-3236	359	7	the	the	DET
fsr-3236	359	8	effectiveness	effectiveness	NOUN
fsr-3236	359	9	of	of	ADP
fsr-3236	359	10	financial	financial	ADJ
fsr-3236	359	11	literacy	literacy	NOUN
fsr-3236	359	12	intervention	intervention	NOUN
fsr-3236	359	13	in	in	ADP
fsr-3236	359	14	pre	pre	ADJ
fsr-3236	359	15	-	-	ADJ
fsr-3236	359	16	high	high	ADJ
fsr-3236	359	17	school	school	NOUN
fsr-3236	359	18	grades	grade	NOUN
fsr-3236	359	19	.	.	PUNCT
fsr-3236	360	1	presented	present	VERB
fsr-3236	360	2	at	at	ADP
fsr-3236	360	3	the	the	DET
fsr-3236	360	4	academy	academy	NOUN
fsr-3236	360	5	of	of	ADP
fsr-3236	360	6	financial	financial	ADJ
fsr-3236	360	7	services	service	NOUN
fsr-3236	360	8	2006	2006	NUM
fsr-3236	360	9	annual	annual	ADJ
fsr-3236	360	10	conference	conference	NOUN
fsr-3236	360	11	,	,	PUNCT
fsr-3236	360	12	salt	salt	NOUN
fsr-3236	360	13	lake	lake	PROPN
fsr-3236	360	14	city	city	PROPN
fsr-3236	360	15	,	,	PUNCT
fsr-3236	360	16	october	october	PROPN
fsr-3236	360	17	11	11	NUM
fsr-3236	360	18	,	,	PUNCT
fsr-3236	360	19	2006	2006	NUM
fsr-3236	360	20	.	.	PUNCT
fsr-3236	361	1	mandell	mandell	PROPN
fsr-3236	361	2	,	,	PUNCT
fsr-3236	361	3	l.	l.	PROPN
fsr-3236	361	4	(	(	PUNCT
fsr-3236	361	5	2008	2008	NUM
fsr-3236	361	6	)	)	PUNCT
fsr-3236	361	7	.	.	PUNCT
fsr-3236	362	1	financial	financial	ADJ
fsr-3236	362	2	education	education	NOUN
fsr-3236	362	3	in	in	ADP
fsr-3236	362	4	high	high	ADJ
fsr-3236	362	5	school	school	NOUN
fsr-3236	362	6	.	.	PUNCT
fsr-3236	363	1	in	in	ADP
fsr-3236	363	2	a.	a.	PROPN
fsr-3236	363	3	lusardi	lusardi	PROPN
fsr-3236	363	4	(	(	PUNCT
fsr-3236	363	5	ed	ed	NOUN
fsr-3236	363	6	.	.	PUNCT
fsr-3236	363	7	)	)	PUNCT
fsr-3236	363	8	,	,	PUNCT
fsr-3236	363	9	overcoming	overcome	VERB
fsr-3236	363	10	the	the	DET
fsr-3236	363	11	saving	saving	NOUN
fsr-3236	363	12	slump	slump	NOUN
fsr-3236	363	13	(	(	PUNCT
fsr-3236	363	14	pp	pp	ADP
fsr-3236	363	15	.	.	PUNCT
fsr-3236	363	16	257–279	257–279	NUM
fsr-3236	363	17	)	)	PUNCT
fsr-3236	363	18	.	.	PUNCT
fsr-3236	364	1	chicago	chicago	PROPN
fsr-3236	364	2	,	,	PUNCT
fsr-3236	364	3	il	il	PROPN
fsr-3236	364	4	:	:	PUNCT
fsr-3236	364	5	the	the	DET
fsr-3236	364	6	university	university	PROPN
fsr-3236	364	7	of	of	ADP
fsr-3236	364	8	chicago	chicago	PROPN
fsr-3236	364	9	press	press	NOUN
fsr-3236	364	10	.	.	PUNCT
fsr-3236	365	1	mandell	mandell	PROPN
fsr-3236	365	2	,	,	PUNCT
fsr-3236	365	3	l.	l.	PROPN
fsr-3236	365	4	,	,	PUNCT
fsr-3236	365	5	&	&	CCONJ
fsr-3236	365	6	klein	klein	PROPN
fsr-3236	365	7	,	,	PUNCT
fsr-3236	365	8	l.	l.	PROPN
fsr-3236	365	9	s.	s.	PROPN
fsr-3236	365	10	(	(	PUNCT
fsr-3236	365	11	2009	2009	NUM
fsr-3236	365	12	)	)	PUNCT
fsr-3236	365	13	.	.	PUNCT
fsr-3236	366	1	the	the	DET
fsr-3236	366	2	impact	impact	NOUN
fsr-3236	366	3	of	of	ADP
fsr-3236	366	4	financial	financial	ADJ
fsr-3236	366	5	literacy	literacy	NOUN
fsr-3236	366	6	education	education	NOUN
fsr-3236	366	7	on	on	ADP
fsr-3236	366	8	subsequent	subsequent	ADJ
fsr-3236	366	9	financial	financial	ADJ
fsr-3236	366	10	behavior	behavior	NOUN
fsr-3236	366	11	.	.	PUNCT
fsr-3236	367	1	journal	journal	PROPN
fsr-3236	367	2	of	of	ADP
fsr-3236	367	3	financial	financial	ADJ
fsr-3236	367	4	counseling	counseling	NOUN
fsr-3236	367	5	and	and	CCONJ
fsr-3236	367	6	planning	planning	NOUN
fsr-3236	367	7	,	,	PUNCT
fsr-3236	367	8	20	20	NUM
fsr-3236	367	9	,	,	PUNCT
fsr-3236	367	10	15–24	15–24	NUM
fsr-3236	367	11	.	.	PUNCT
fsr-3236	368	1	metcalfe	metcalfe	PROPN
fsr-3236	368	2	,	,	PUNCT
fsr-3236	368	3	j.	j.	PROPN
fsr-3236	368	4	(	(	PUNCT
fsr-3236	368	5	1986	1986	NUM
fsr-3236	368	6	)	)	PUNCT
fsr-3236	368	7	.	.	PUNCT
fsr-3236	369	1	feeling	feeling	NOUN
fsr-3236	369	2	of	of	ADP
fsr-3236	369	3	knowing	know	VERB
fsr-3236	369	4	in	in	ADP
fsr-3236	369	5	memory	memory	NOUN
fsr-3236	369	6	and	and	CCONJ
fsr-3236	369	7	problem	problem	NOUN
fsr-3236	369	8	solving	solving	NOUN
fsr-3236	369	9	.	.	PUNCT
fsr-3236	370	1	journal	journal	NOUN
fsr-3236	370	2	of	of	ADP
fsr-3236	370	3	experimental	experimental	ADJ
fsr-3236	370	4	psychology	psychology	NOUN
fsr-3236	370	5	,	,	PUNCT
fsr-3236	370	6	12	12	NUM
fsr-3236	370	7	,	,	PUNCT
fsr-3236	370	8	288–294	288–294	NUM
fsr-3236	370	9	.	.	PUNCT
fsr-3236	371	1	nelson	nelson	PROPN
fsr-3236	371	2	,	,	PUNCT
fsr-3236	371	3	t.	t.	PROPN
fsr-3236	371	4	o.	o.	PROPN
fsr-3236	371	5	,	,	PUNCT
fsr-3236	371	6	gerler	gerler	NOUN
fsr-3236	371	7	,	,	PUNCT
fsr-3236	371	8	d.	d.	PROPN
fsr-3236	371	9	,	,	PUNCT
fsr-3236	371	10	&	&	CCONJ
fsr-3236	371	11	narens	naren	NOUN
fsr-3236	371	12	,	,	PUNCT
fsr-3236	371	13	l.	l.	PROPN
fsr-3236	371	14	(	(	PUNCT
fsr-3236	371	15	1984	1984	NUM
fsr-3236	371	16	)	)	PUNCT
fsr-3236	371	17	.	.	PUNCT
fsr-3236	372	1	accuracy	accuracy	NOUN
fsr-3236	372	2	of	of	ADP
fsr-3236	372	3	feeling	feeling	NOUN
fsr-3236	372	4	-	-	PUNCT
fsr-3236	372	5	of	of	ADP
fsr-3236	372	6	-	-	PUNCT
fsr-3236	372	7	knowing	knowing	ADJ
fsr-3236	372	8	judgments	judgment	NOUN
fsr-3236	372	9	for	for	ADP
fsr-3236	372	10	predicting	predict	VERB
fsr-3236	372	11	perceptual	perceptual	ADJ
fsr-3236	372	12	identification	identification	NOUN
fsr-3236	372	13	and	and	CCONJ
fsr-3236	372	14	relearning	relearn	VERB
fsr-3236	372	15	.	.	PUNCT
fsr-3236	373	1	journal	journal	NOUN
fsr-3236	373	2	of	of	ADP
fsr-3236	373	3	experimental	experimental	ADJ
fsr-3236	373	4	psychology	psychology	NOUN
fsr-3236	373	5	:	:	PUNCT
fsr-3236	373	6	general	general	ADJ
fsr-3236	373	7	,	,	PUNCT
fsr-3236	373	8	113	113	NUM
fsr-3236	373	9	,	,	PUNCT
fsr-3236	373	10	282–300	282–300	NUM
fsr-3236	373	11	.	.	NOUN
fsr-3236	374	1	116	116	NUM
fsr-3236	374	2	c.t	c.t	PROPN
fsr-3236	374	3	.	.	PROPN
fsr-3236	374	4	asaad	asaad	PROPN
fsr-3236	374	5	/	/	SYM
fsr-3236	374	6	financial	financial	ADJ
fsr-3236	374	7	services	service	NOUN
fsr-3236	374	8	review	review	VERB
fsr-3236	374	9	24	24	NUM
fsr-3236	374	10	(	(	PUNCT
fsr-3236	374	11	2015	2015	NUM
fsr-3236	374	12	)	)	PUNCT
fsr-3236	374	13	101–117	101–117	NUM
fsr-3236	374	14	oecd	oecd	PROPN
fsr-3236	374	15	(	(	PUNCT
fsr-3236	374	16	organisation	organisation	NOUN
fsr-3236	374	17	for	for	ADP
fsr-3236	374	18	economic	economic	ADJ
fsr-3236	374	19	co	co	NOUN
fsr-3236	374	20	-	-	NOUN
fsr-3236	374	21	operation	operation	NOUN
fsr-3236	374	22	and	and	CCONJ
fsr-3236	374	23	development	development	NOUN
fsr-3236	374	24	)	)	PUNCT
fsr-3236	374	25	(	(	PUNCT
fsr-3236	374	26	2005	2005	NUM
fsr-3236	374	27	)	)	PUNCT
fsr-3236	374	28	.	.	PUNCT
fsr-3236	375	1	improving	improve	VERB
fsr-3236	375	2	financial	financial	ADJ
fsr-3236	375	3	literacy	literacy	NOUN
fsr-3236	375	4	.	.	PUNCT
fsr-3236	376	1	analysis	analysis	NOUN
fsr-3236	376	2	of	of	ADP
fsr-3236	376	3	issues	issue	NOUN
fsr-3236	376	4	and	and	CCONJ
fsr-3236	376	5	policies	policy	NOUN
fsr-3236	376	6	.	.	PUNCT
fsr-3236	377	1	paris	paris	PROPN
fsr-3236	377	2	,	,	PUNCT
fsr-3236	377	3	france	france	PROPN
fsr-3236	377	4	:	:	PUNCT
fsr-3236	377	5	oecd	oecd	PROPN
fsr-3236	377	6	publishing	publishing	PROPN
fsr-3236	377	7	.	.	PUNCT
fsr-3236	378	1	park	park	NOUN
fsr-3236	378	2	,	,	PUNCT
fsr-3236	378	3	c.	c.	PROPN
fsr-3236	378	4	w.	w.	PROPN
fsr-3236	378	5	,	,	PUNCT
fsr-3236	378	6	gardner	gardner	NOUN
fsr-3236	378	7	,	,	PUNCT
fsr-3236	378	8	m.	m.	NOUN
fsr-3236	378	9	p.	p.	PROPN
fsr-3236	378	10	,	,	PUNCT
fsr-3236	378	11	&	&	CCONJ
fsr-3236	378	12	thukral	thukral	ADJ
fsr-3236	378	13	,	,	PUNCT
fsr-3236	378	14	v.	v.	PROPN
fsr-3236	378	15	k.	k.	PROPN
fsr-3236	378	16	(	(	PUNCT
fsr-3236	378	17	1988	1988	NUM
fsr-3236	378	18	)	)	PUNCT
fsr-3236	378	19	.	.	PUNCT
fsr-3236	379	1	self	self	NOUN
fsr-3236	379	2	-	-	PUNCT
fsr-3236	379	3	perceived	perceive	VERB
fsr-3236	379	4	knowledge	knowledge	NOUN
fsr-3236	379	5	:	:	PUNCT
fsr-3236	379	6	some	some	DET
fsr-3236	379	7	effects	effect	NOUN
fsr-3236	379	8	on	on	ADP
fsr-3236	379	9	information	information	NOUN
fsr-3236	379	10	processing	processing	NOUN
fsr-3236	379	11	for	for	ADP
fsr-3236	379	12	a	a	DET
fsr-3236	379	13	choice	choice	NOUN
fsr-3236	379	14	task	task	NOUN
fsr-3236	379	15	.	.	PUNCT
fsr-3236	380	1	american	american	PROPN
fsr-3236	380	2	journal	journal	PROPN
fsr-3236	380	3	of	of	ADP
fsr-3236	380	4	psychology	psychology	NOUN
fsr-3236	380	5	,	,	PUNCT
fsr-3236	380	6	101	101	NUM
fsr-3236	380	7	,	,	PUNCT
fsr-3236	380	8	401–424	401–424	NUM
fsr-3236	380	9	.	.	PUNCT
fsr-3236	381	1	parker	parker	PROPN
fsr-3236	381	2	,	,	PUNCT
fsr-3236	381	3	a.	a.	NOUN
fsr-3236	381	4	m.	m.	NOUN
fsr-3236	381	5	,	,	PUNCT
fsr-3236	381	6	bruin	bruin	NOUN
fsr-3236	381	7	,	,	PUNCT
fsr-3236	381	8	w.	w.	PROPN
fsr-3236	381	9	b.	b.	PROPN
fsr-3236	381	10	,	,	PUNCT
fsr-3236	381	11	yoong	yoong	PROPN
fsr-3236	381	12	,	,	PUNCT
fsr-3236	381	13	j.	j.	PROPN
fsr-3236	381	14	,	,	PUNCT
fsr-3236	381	15	&	&	CCONJ
fsr-3236	381	16	willis	willis	PROPN
fsr-3236	381	17	,	,	PUNCT
fsr-3236	381	18	r.	r.	PROPN
fsr-3236	381	19	(	(	PUNCT
fsr-3236	381	20	2012	2012	NUM
fsr-3236	381	21	)	)	PUNCT
fsr-3236	381	22	.	.	PUNCT
fsr-3236	382	1	inappropriate	inappropriate	ADJ
fsr-3236	382	2	confidence	confidence	NOUN
fsr-3236	382	3	and	and	CCONJ
fsr-3236	382	4	retirement	retirement	NOUN
fsr-3236	382	5	planning	planning	NOUN
fsr-3236	382	6	:	:	PUNCT
fsr-3236	382	7	four	four	NUM
fsr-3236	382	8	studies	study	NOUN
fsr-3236	382	9	with	with	ADP
fsr-3236	382	10	a	a	DET
fsr-3236	382	11	national	national	ADJ
fsr-3236	382	12	sample	sample	NOUN
fsr-3236	382	13	.	.	PUNCT
fsr-3236	383	1	journal	journal	NOUN
fsr-3236	383	2	of	of	ADP
fsr-3236	383	3	behavioral	behavioral	ADJ
fsr-3236	383	4	decision	decision	NOUN
fsr-3236	383	5	making	making	NOUN
fsr-3236	383	6	,	,	PUNCT
fsr-3236	383	7	25	25	NUM
fsr-3236	383	8	,	,	PUNCT
fsr-3236	383	9	382–389	382–389	NUM
fsr-3236	383	10	.	.	PUNCT
fsr-3236	383	11	remund	remund	NOUN
fsr-3236	383	12	,	,	PUNCT
fsr-3236	383	13	d.	d.	PROPN
fsr-3236	383	14	l.	l.	PROPN
fsr-3236	383	15	(	(	PUNCT
fsr-3236	383	16	2010	2010	NUM
fsr-3236	383	17	)	)	PUNCT
fsr-3236	383	18	.	.	PUNCT
fsr-3236	384	1	financial	financial	ADJ
fsr-3236	384	2	literacy	literacy	NOUN
fsr-3236	384	3	explicated	explicate	VERB
fsr-3236	384	4	:	:	PUNCT
fsr-3236	384	5	the	the	DET
fsr-3236	384	6	case	case	NOUN
fsr-3236	384	7	for	for	ADP
fsr-3236	384	8	a	a	DET
fsr-3236	384	9	clearer	clear	ADJ
fsr-3236	384	10	definition	definition	NOUN
fsr-3236	384	11	in	in	ADP
fsr-3236	384	12	an	an	DET
fsr-3236	384	13	increasingly	increasingly	ADV
fsr-3236	384	14	complex	complex	ADJ
fsr-3236	384	15	economy	economy	NOUN
fsr-3236	384	16	.	.	PUNCT
fsr-3236	385	1	journal	journal	PROPN
fsr-3236	385	2	of	of	ADP
fsr-3236	385	3	consumer	consumer	NOUN
fsr-3236	385	4	affairs	affair	NOUN
fsr-3236	385	5	,	,	PUNCT
fsr-3236	385	6	44	44	NUM
fsr-3236	385	7	,	,	PUNCT
fsr-3236	385	8	276–295	276–295	NUM
fsr-3236	385	9	.	.	PUNCT
fsr-3236	386	1	robb	robb	NOUN
fsr-3236	386	2	,	,	PUNCT
fsr-3236	386	3	c.	c.	PROPN
fsr-3236	386	4	a.	a.	PROPN
fsr-3236	386	5	,	,	PUNCT
fsr-3236	386	6	babiarz	babiarz	PROPN
fsr-3236	386	7	,	,	PUNCT
fsr-3236	386	8	p.	p.	NOUN
fsr-3236	386	9	,	,	PUNCT
fsr-3236	386	10	&	&	CCONJ
fsr-3236	386	11	woodyard	woodyard	PROPN
fsr-3236	386	12	,	,	PUNCT
fsr-3236	386	13	a.	a.	NOUN
fsr-3236	386	14	(	(	PUNCT
fsr-3236	386	15	2012	2012	NUM
fsr-3236	386	16	)	)	PUNCT
fsr-3236	386	17	.	.	PUNCT
fsr-3236	387	1	the	the	DET
fsr-3236	387	2	demand	demand	NOUN
fsr-3236	387	3	for	for	ADP
fsr-3236	387	4	financial	financial	ADJ
fsr-3236	387	5	professionals	professional	NOUN
fsr-3236	387	6	’	'	PUNCT
fsr-3236	387	7	advice	advice	NOUN
fsr-3236	387	8	:	:	PUNCT
fsr-3236	387	9	the	the	DET
fsr-3236	387	10	role	role	NOUN
fsr-3236	387	11	of	of	ADP
fsr-3236	387	12	financial	financial	ADJ
fsr-3236	387	13	knowledge	knowledge	NOUN
fsr-3236	387	14	,	,	PUNCT
fsr-3236	387	15	satisfaction	satisfaction	NOUN
fsr-3236	387	16	,	,	PUNCT
fsr-3236	387	17	and	and	CCONJ
fsr-3236	387	18	confidence	confidence	NOUN
fsr-3236	387	19	.	.	PUNCT
fsr-3236	388	1	financial	financial	ADJ
fsr-3236	388	2	services	service	NOUN
fsr-3236	388	3	review	review	PROPN
fsr-3236	388	4	,	,	PUNCT
fsr-3236	388	5	21	21	NUM
fsr-3236	388	6	,	,	PUNCT
fsr-3236	388	7	291–305	291–305	NUM
fsr-3236	388	8	.	.	PUNCT
fsr-3236	389	1	schachter	schachter	NOUN
fsr-3236	389	2	,	,	PUNCT
fsr-3236	389	3	d.	d.	PROPN
fsr-3236	389	4	l.	l.	PROPN
fsr-3236	389	5	(	(	PUNCT
fsr-3236	389	6	1983	1983	NUM
fsr-3236	389	7	)	)	PUNCT
fsr-3236	389	8	.	.	PUNCT
fsr-3236	390	1	feeling	feeling	NOUN
fsr-3236	390	2	of	of	ADP
fsr-3236	390	3	knowing	know	VERB
fsr-3236	390	4	in	in	ADP
fsr-3236	390	5	episodic	episodic	ADJ
fsr-3236	390	6	memory	memory	NOUN
fsr-3236	390	7	.	.	PUNCT
fsr-3236	391	1	journal	journal	PROPN
fsr-3236	391	2	of	of	ADP
fsr-3236	391	3	experimental	experimental	ADJ
fsr-3236	391	4	psychology	psychology	NOUN
fsr-3236	391	5	:	:	PUNCT
fsr-3236	391	6	learning	learning	NOUN
fsr-3236	391	7	,	,	PUNCT
fsr-3236	391	8	memory	memory	NOUN
fsr-3236	391	9	,	,	PUNCT
fsr-3236	391	10	and	and	CCONJ
fsr-3236	391	11	cognition	cognition	NOUN
fsr-3236	391	12	,	,	PUNCT
fsr-3236	391	13	9	9	NUM
fsr-3236	391	14	,	,	PUNCT
fsr-3236	391	15	39–54	39–54	NUM
fsr-3236	391	16	.	.	PUNCT
fsr-3236	392	1	sedikides	sedikide	NOUN
fsr-3236	392	2	,	,	PUNCT
fsr-3236	392	3	c.	c.	NOUN
fsr-3236	392	4	(	(	PUNCT
fsr-3236	392	5	1993	1993	NUM
fsr-3236	392	6	)	)	PUNCT
fsr-3236	392	7	.	.	PUNCT
fsr-3236	393	1	assessment	assessment	NOUN
fsr-3236	393	2	,	,	PUNCT
fsr-3236	393	3	enhancement	enhancement	NOUN
fsr-3236	393	4	,	,	PUNCT
fsr-3236	393	5	and	and	CCONJ
fsr-3236	393	6	verification	verification	NOUN
fsr-3236	393	7	determinants	determinant	NOUN
fsr-3236	393	8	of	of	ADP
fsr-3236	393	9	the	the	DET
fsr-3236	393	10	self	self	NOUN
fsr-3236	393	11	-	-	PUNCT
fsr-3236	393	12	evaluation	evaluation	NOUN
fsr-3236	393	13	process	process	NOUN
fsr-3236	393	14	.	.	PUNCT
fsr-3236	394	1	journal	journal	NOUN
fsr-3236	394	2	of	of	ADP
fsr-3236	394	3	personality	personality	NOUN
fsr-3236	394	4	and	and	CCONJ
fsr-3236	394	5	social	social	ADJ
fsr-3236	394	6	psychology	psychology	NOUN
fsr-3236	394	7	,	,	PUNCT
fsr-3236	394	8	65	65	NUM
fsr-3236	394	9	,	,	PUNCT
fsr-3236	394	10	317–338	317–338	NUM
fsr-3236	394	11	.	.	PUNCT
fsr-3236	395	1	simon	simon	PROPN
fsr-3236	395	2	,	,	PUNCT
fsr-3236	395	3	m.	m.	NOUN
fsr-3236	395	4	,	,	PUNCT
fsr-3236	395	5	houghton	houghton	PROPN
fsr-3236	395	6	,	,	PUNCT
fsr-3236	395	7	s.	s.	PROPN
fsr-3236	395	8	m.	m.	PROPN
fsr-3236	395	9	,	,	PUNCT
fsr-3236	395	10	&	&	CCONJ
fsr-3236	395	11	aquino	aquino	PROPN
fsr-3236	395	12	,	,	PUNCT
fsr-3236	395	13	k.	k.	PROPN
fsr-3236	395	14	(	(	PUNCT
fsr-3236	395	15	2000	2000	NUM
fsr-3236	395	16	)	)	PUNCT
fsr-3236	395	17	.	.	PUNCT
fsr-3236	396	1	cognitive	cognitive	ADJ
fsr-3236	396	2	biases	bias	NOUN
fsr-3236	396	3	,	,	PUNCT
fsr-3236	396	4	risk	risk	NOUN
fsr-3236	396	5	perception	perception	NOUN
fsr-3236	396	6	,	,	PUNCT
fsr-3236	396	7	and	and	CCONJ
fsr-3236	396	8	venture	venture	NOUN
fsr-3236	396	9	formation	formation	NOUN
fsr-3236	396	10	:	:	PUNCT
fsr-3236	396	11	how	how	SCONJ
fsr-3236	396	12	individuals	individual	NOUN
fsr-3236	396	13	decide	decide	VERB
fsr-3236	396	14	to	to	PART
fsr-3236	396	15	start	start	VERB
fsr-3236	396	16	companies	company	NOUN
fsr-3236	396	17	.	.	PUNCT
fsr-3236	397	1	journal	journal	PROPN
fsr-3236	397	2	of	of	ADP
fsr-3236	397	3	business	business	NOUN
fsr-3236	397	4	venturing	venturing	NOUN
fsr-3236	397	5	,	,	PUNCT
fsr-3236	397	6	15	15	NUM
fsr-3236	397	7	,	,	PUNCT
fsr-3236	397	8	113–134	113–134	NUM
fsr-3236	397	9	.	.	PUNCT
fsr-3236	398	1	van	van	PROPN
fsr-3236	398	2	rooij	rooij	NOUN
fsr-3236	398	3	,	,	PUNCT
fsr-3236	398	4	m.	m.	NOUN
fsr-3236	398	5	,	,	PUNCT
fsr-3236	398	6	lusardi	lusardi	PROPN
fsr-3236	398	7	,	,	PUNCT
fsr-3236	398	8	a.	a.	NOUN
fsr-3236	398	9	,	,	PUNCT
fsr-3236	398	10	&	&	CCONJ
fsr-3236	398	11	alessie	alessie	PROPN
fsr-3236	398	12	,	,	PUNCT
fsr-3236	398	13	r.	r.	PROPN
fsr-3236	398	14	(	(	PUNCT
fsr-3236	398	15	2011	2011	NUM
fsr-3236	398	16	)	)	PUNCT
fsr-3236	398	17	.	.	PUNCT
fsr-3236	399	1	financial	financial	ADJ
fsr-3236	399	2	literacy	literacy	NOUN
fsr-3236	399	3	and	and	CCONJ
fsr-3236	399	4	stock	stock	NOUN
fsr-3236	399	5	market	market	NOUN
fsr-3236	399	6	participation	participation	NOUN
fsr-3236	399	7	.	.	PUNCT
fsr-3236	400	1	journal	journal	NOUN
fsr-3236	400	2	of	of	ADP
fsr-3236	400	3	financial	financial	ADJ
fsr-3236	400	4	economics	economic	NOUN
fsr-3236	400	5	,	,	PUNCT
fsr-3236	400	6	101	101	NUM
fsr-3236	400	7	,	,	PUNCT
fsr-3236	400	8	449–472	449–472	NUM
fsr-3236	400	9	.	.	PUNCT
fsr-3236	401	1	williams	williams	PROPN
fsr-3236	401	2	,	,	PUNCT
fsr-3236	401	3	e.	e.	PROPN
fsr-3236	401	4	f.	f.	PROPN
fsr-3236	401	5	,	,	PUNCT
fsr-3236	401	6	&	&	CCONJ
fsr-3236	401	7	gilovich	gilovich	PROPN
fsr-3236	401	8	,	,	PUNCT
fsr-3236	401	9	t.	t.	PROPN
fsr-3236	401	10	(	(	PUNCT
fsr-3236	401	11	2008	2008	NUM
fsr-3236	401	12	)	)	PUNCT
fsr-3236	401	13	.	.	PUNCT
fsr-3236	402	1	do	do	AUX
fsr-3236	402	2	people	people	NOUN
fsr-3236	402	3	really	really	ADV
fsr-3236	402	4	believe	believe	VERB
fsr-3236	402	5	they	they	PRON
fsr-3236	402	6	are	be	AUX
fsr-3236	402	7	above	above	ADP
fsr-3236	402	8	average	average	ADJ
fsr-3236	402	9	?	?	PUNCT
fsr-3236	403	1	journal	journal	NOUN
fsr-3236	403	2	of	of	ADP
fsr-3236	403	3	experimental	experimental	ADJ
fsr-3236	403	4	social	social	ADJ
fsr-3236	403	5	psychology	psychology	NOUN
fsr-3236	403	6	,	,	PUNCT
fsr-3236	403	7	44	44	NUM
fsr-3236	403	8	,	,	PUNCT
fsr-3236	403	9	1121–1128	1121–1128	NUM
fsr-3236	403	10	.	.	PUNCT
fsr-3236	404	1	willis	willis	PROPN
fsr-3236	404	2	,	,	PUNCT
fsr-3236	404	3	l.	l.	PROPN
fsr-3236	404	4	(	(	PUNCT
fsr-3236	404	5	2008	2008	NUM
fsr-3236	404	6	)	)	PUNCT
fsr-3236	404	7	.	.	PUNCT
fsr-3236	405	1	evidence	evidence	NOUN
fsr-3236	405	2	and	and	CCONJ
fsr-3236	405	3	ideology	ideology	NOUN
fsr-3236	405	4	in	in	ADP
fsr-3236	405	5	assessing	assess	VERB
fsr-3236	405	6	the	the	DET
fsr-3236	405	7	effectiveness	effectiveness	NOUN
fsr-3236	405	8	of	of	ADP
fsr-3236	405	9	financial	financial	ADJ
fsr-3236	405	10	literacy	literacy	NOUN
fsr-3236	405	11	education	education	NOUN
fsr-3236	405	12	.	.	PUNCT
fsr-3236	406	1	iowa	iowa	PROPN
fsr-3236	406	2	law	law	PROPN
fsr-3236	406	3	review	review	PROPN
fsr-3236	406	4	,	,	PUNCT
fsr-3236	406	5	94	94	NUM
fsr-3236	406	6	.	.	PUNCT
fsr-3236	407	1	117c.t	117c.t	NUM
fsr-3236	407	2	.	.	PUNCT
fsr-3236	408	1	asaad	asaad	PROPN
fsr-3236	408	2	/	/	SYM
fsr-3236	408	3	financial	financial	ADJ
fsr-3236	408	4	services	service	NOUN
fsr-3236	408	5	review	review	VERB
fsr-3236	408	6	24	24	NUM
fsr-3236	408	7	(	(	PUNCT
fsr-3236	408	8	2015	2015	NUM
fsr-3236	408	9	)	)	PUNCT
fsr-3236	408	10	101–117	101–117	NUM