id	sid	tid	token	lemma	pos
fsr-3237	1	1	financial	financial	ADJ
fsr-3237	1	2	knowledge	knowledge	NOUN
fsr-3237	1	3	acquisition	acquisition	NOUN
fsr-3237	1	4	among	among	ADP
fsr-3237	1	5	the	the	DET
fsr-3237	1	6	young	young	NOUN
fsr-3237	1	7	:	:	PUNCT
fsr-3237	1	8	the	the	DET
fsr-3237	1	9	role	role	NOUN
fsr-3237	1	10	of	of	ADP
fsr-3237	1	11	financial	financial	ADJ
fsr-3237	1	12	education	education	NOUN
fsr-3237	1	13	,	,	PUNCT
fsr-3237	1	14	financial	financial	ADJ
fsr-3237	1	15	experience	experience	NOUN
fsr-3237	1	16	,	,	PUNCT
fsr-3237	1	17	and	and	CCONJ
fsr-3237	1	18	parents	parent	NOUN
fsr-3237	1	19	’	’	PART
fsr-3237	1	20	financial	financial	ADJ
fsr-3237	1	21	experience	experience	NOUN
fsr-3237	1	22	ning	ning	PROPN
fsr-3237	1	23	tanga	tanga	PROPN
fsr-3237	1	24	,	,	PUNCT
fsr-3237	1	25	*	*	PROPN
fsr-3237	1	26	,	,	PUNCT
fsr-3237	1	27	paula	paula	PROPN
fsr-3237	1	28	c.	c.	PROPN
fsr-3237	1	29	peterb	peterb	PROPN
fsr-3237	1	30	adepartment	adepartment	NOUN
fsr-3237	1	31	of	of	ADP
fsr-3237	1	32	finance	finance	NOUN
fsr-3237	1	33	,	,	PUNCT
fsr-3237	1	34	san	san	PROPN
fsr-3237	1	35	diego	diego	PROPN
fsr-3237	1	36	state	state	PROPN
fsr-3237	1	37	university	university	PROPN
fsr-3237	1	38	,	,	PUNCT
fsr-3237	1	39	5500	5500	NUM
fsr-3237	1	40	campanile	campanile	PROPN
fsr-3237	1	41	drive	drive	NOUN
fsr-3237	1	42	,	,	PUNCT
fsr-3237	1	43	san	san	PROPN
fsr-3237	1	44	diego	diego	PROPN
fsr-3237	1	45	,	,	PUNCT
fsr-3237	1	46	ca	ca	PROPN
fsr-3237	1	47	92182	92182	NUM
fsr-3237	1	48	-	-	SYM
fsr-3237	1	49	8239	8239	NUM
fsr-3237	1	50	,	,	PUNCT
fsr-3237	1	51	usa	usa	PROPN
fsr-3237	1	52	bdepartment	bdepartment	NOUN
fsr-3237	1	53	of	of	ADP
fsr-3237	1	54	marketing	marketing	PROPN
fsr-3237	1	55	,	,	PUNCT
fsr-3237	1	56	san	san	PROPN
fsr-3237	1	57	diego	diego	PROPN
fsr-3237	1	58	state	state	PROPN
fsr-3237	1	59	university	university	PROPN
fsr-3237	1	60	,	,	PUNCT
fsr-3237	1	61	5500	5500	NUM
fsr-3237	1	62	campanile	campanile	PROPN
fsr-3237	1	63	drive	drive	NOUN
fsr-3237	1	64	,	,	PUNCT
fsr-3237	1	65	san	san	PROPN
fsr-3237	1	66	diego	diego	PROPN
fsr-3237	1	67	,	,	PUNCT
fsr-3237	1	68	ca	ca	PROPN
fsr-3237	1	69	92182	92182	NUM
fsr-3237	1	70	-	-	SYM
fsr-3237	1	71	8239	8239	NUM
fsr-3237	1	72	,	,	PUNCT
fsr-3237	1	73	usa	usa	PROPN
fsr-3237	1	74	abstract	abstract	PROPN
fsr-3237	1	75	this	this	DET
fsr-3237	1	76	article	article	NOUN
fsr-3237	1	77	explores	explore	VERB
fsr-3237	1	78	how	how	SCONJ
fsr-3237	1	79	financial	financial	ADJ
fsr-3237	1	80	education	education	NOUN
fsr-3237	1	81	,	,	PUNCT
fsr-3237	1	82	financial	financial	ADJ
fsr-3237	1	83	experience	experience	NOUN
fsr-3237	1	84	,	,	PUNCT
fsr-3237	1	85	and	and	CCONJ
fsr-3237	1	86	parents	parent	NOUN
fsr-3237	1	87	’	’	PART
fsr-3237	1	88	financial	financial	ADJ
fsr-3237	1	89	experience	experience	NOUN
fsr-3237	1	90	influence	influence	NOUN
fsr-3237	1	91	young	young	ADJ
fsr-3237	1	92	adults	adult	NOUN
fsr-3237	1	93	’	'	PUNCT
fsr-3237	1	94	financial	financial	ADJ
fsr-3237	1	95	knowledge	knowledge	NOUN
fsr-3237	1	96	.	.	PUNCT
fsr-3237	2	1	we	we	PRON
fsr-3237	2	2	rely	rely	VERB
fsr-3237	2	3	on	on	ADP
fsr-3237	2	4	a	a	DET
fsr-3237	2	5	general	general	ADJ
fsr-3237	2	6	model	model	NOUN
fsr-3237	2	7	of	of	ADP
fsr-3237	2	8	learning	learn	VERB
fsr-3237	2	9	to	to	PART
fsr-3237	2	10	hypothesize	hypothesize	VERB
fsr-3237	2	11	the	the	DET
fsr-3237	2	12	determinants	determinant	NOUN
fsr-3237	2	13	of	of	ADP
fsr-3237	2	14	financial	financial	ADJ
fsr-3237	2	15	knowledge	knowledge	NOUN
fsr-3237	2	16	acquisition	acquisition	NOUN
fsr-3237	2	17	.	.	PUNCT
fsr-3237	3	1	using	use	VERB
fsr-3237	3	2	data	datum	NOUN
fsr-3237	3	3	on	on	ADP
fsr-3237	3	4	3,597	3,597	NUM
fsr-3237	3	5	young	young	ADJ
fsr-3237	3	6	adults	adult	NOUN
fsr-3237	3	7	from	from	ADP
fsr-3237	3	8	a	a	DET
fsr-3237	3	9	national	national	ADJ
fsr-3237	3	10	longitudinal	longitudinal	ADJ
fsr-3237	3	11	survey	survey	NOUN
fsr-3237	3	12	,	,	PUNCT
fsr-3237	3	13	we	we	PRON
fsr-3237	3	14	find	find	VERB
fsr-3237	3	15	that	that	SCONJ
fsr-3237	3	16	financial	financial	ADJ
fsr-3237	3	17	education	education	NOUN
fsr-3237	3	18	,	,	PUNCT
fsr-3237	3	19	financial	financial	ADJ
fsr-3237	3	20	experience	experience	NOUN
fsr-3237	3	21	,	,	PUNCT
fsr-3237	3	22	and	and	CCONJ
fsr-3237	3	23	parents	parent	NOUN
fsr-3237	3	24	’	'	PUNCT
fsr-3237	3	25	financial	financial	ADJ
fsr-3237	3	26	experience	experience	NOUN
fsr-3237	3	27	all	all	PRON
fsr-3237	3	28	exert	exert	VERB
fsr-3237	3	29	a	a	DET
fsr-3237	3	30	positive	positive	ADJ
fsr-3237	3	31	impact	impact	NOUN
fsr-3237	3	32	on	on	ADP
fsr-3237	3	33	young	young	ADJ
fsr-3237	3	34	adults	adult	NOUN
fsr-3237	3	35	’	'	PUNCT
fsr-3237	3	36	financial	financial	ADJ
fsr-3237	3	37	knowledge	knowledge	NOUN
fsr-3237	3	38	.	.	PUNCT
fsr-3237	4	1	moreover	moreover	ADV
fsr-3237	4	2	,	,	PUNCT
fsr-3237	4	3	these	these	DET
fsr-3237	4	4	determinants	determinant	NOUN
fsr-3237	4	5	work	work	VERB
fsr-3237	4	6	interactively	interactively	ADV
fsr-3237	4	7	.	.	PUNCT
fsr-3237	5	1	both	both	PRON
fsr-3237	5	2	individual	individual	ADJ
fsr-3237	5	3	and	and	CCONJ
fsr-3237	5	4	parents	parent	NOUN
fsr-3237	5	5	’	'	PUNCT
fsr-3237	5	6	financial	financial	ADJ
fsr-3237	5	7	experience	experience	NOUN
fsr-3237	5	8	help	help	AUX
fsr-3237	5	9	narrow	narrow	VERB
fsr-3237	5	10	the	the	DET
fsr-3237	5	11	gap	gap	NOUN
fsr-3237	5	12	in	in	ADP
fsr-3237	5	13	financial	financial	ADJ
fsr-3237	5	14	knowledge	knowledge	NOUN
fsr-3237	5	15	caused	cause	VERB
fsr-3237	5	16	by	by	ADP
fsr-3237	5	17	lack	lack	NOUN
fsr-3237	5	18	of	of	ADP
fsr-3237	5	19	financial	financial	ADJ
fsr-3237	5	20	education	education	NOUN
fsr-3237	5	21	.	.	PUNCT
fsr-3237	6	1	©	©	PROPN
fsr-3237	6	2	2015	2015	NUM
fsr-3237	6	3	academy	academy	NOUN
fsr-3237	6	4	of	of	ADP
fsr-3237	6	5	financial	financial	ADJ
fsr-3237	6	6	services	service	NOUN
fsr-3237	6	7	.	.	PUNCT
fsr-3237	7	1	all	all	DET
fsr-3237	7	2	rights	right	NOUN
fsr-3237	7	3	reserved	reserve	VERB
fsr-3237	7	4	.	.	PUNCT
fsr-3237	8	1	jel	jel	PROPN
fsr-3237	8	2	classification	classification	NOUN
fsr-3237	8	3	:	:	PUNCT
fsr-3237	8	4	d14	d14	ADV
fsr-3237	8	5	;	;	PUNCT
fsr-3237	8	6	a2	a2	NOUN
fsr-3237	8	7	keywords	keyword	NOUN
fsr-3237	8	8	:	:	PUNCT
fsr-3237	8	9	financial	financial	ADJ
fsr-3237	8	10	literacy	literacy	NOUN
fsr-3237	8	11	;	;	PUNCT
fsr-3237	8	12	financial	financial	ADJ
fsr-3237	8	13	education	education	NOUN
fsr-3237	8	14	;	;	PUNCT
fsr-3237	8	15	financial	financial	ADJ
fsr-3237	8	16	experience	experience	NOUN
fsr-3237	8	17	;	;	PUNCT
fsr-3237	8	18	parental	parental	ADJ
fsr-3237	8	19	socialization	socialization	NOUN
fsr-3237	8	20	1	1	NUM
fsr-3237	8	21	.	.	PUNCT
fsr-3237	9	1	introduction	introduction	NOUN
fsr-3237	9	2	young	young	ADJ
fsr-3237	9	3	adults	adult	NOUN
fsr-3237	9	4	face	face	VERB
fsr-3237	9	5	unprecedented	unprecedented	ADJ
fsr-3237	9	6	financial	financial	ADJ
fsr-3237	9	7	obligations	obligation	NOUN
fsr-3237	9	8	and	and	CCONJ
fsr-3237	9	9	complexity	complexity	NOUN
fsr-3237	9	10	in	in	ADP
fsr-3237	9	11	today	today	NOUN
fsr-3237	9	12	’s	’s	PART
fsr-3237	9	13	demanding	demand	VERB
fsr-3237	9	14	financial	financial	ADJ
fsr-3237	9	15	environment	environment	NOUN
fsr-3237	9	16	.	.	PUNCT
fsr-3237	10	1	as	as	SCONJ
fsr-3237	10	2	they	they	PRON
fsr-3237	10	3	become	become	VERB
fsr-3237	10	4	financially	financially	ADV
fsr-3237	10	5	independent	independent	ADJ
fsr-3237	10	6	from	from	ADP
fsr-3237	10	7	their	their	PRON
fsr-3237	10	8	guardians	guardian	NOUN
fsr-3237	10	9	,	,	PUNCT
fsr-3237	10	10	they	they	PRON
fsr-3237	10	11	must	must	AUX
fsr-3237	10	12	make	make	VERB
fsr-3237	10	13	choices	choice	NOUN
fsr-3237	10	14	about	about	ADP
fsr-3237	10	15	student	student	NOUN
fsr-3237	10	16	loans	loan	NOUN
fsr-3237	10	17	,	,	PUNCT
fsr-3237	10	18	debt	debt	NOUN
fsr-3237	10	19	,	,	PUNCT
fsr-3237	10	20	insurance	insurance	NOUN
fsr-3237	10	21	,	,	PUNCT
fsr-3237	10	22	mortgages	mortgage	NOUN
fsr-3237	10	23	,	,	PUNCT
fsr-3237	10	24	and	and	CCONJ
fsr-3237	10	25	retirement	retirement	NOUN
fsr-3237	10	26	*	*	PUNCT
fsr-3237	10	27	corresponding	correspond	VERB
fsr-3237	10	28	author	author	NOUN
fsr-3237	10	29	.	.	PUNCT
fsr-3237	11	1	tel	tel	PROPN
fsr-3237	11	2	.	.	PUNCT
fsr-3237	11	3	:	:	PUNCT
fsr-3237	12	1	�	�	PROPN
fsr-3237	12	2	1	1	NUM
fsr-3237	12	3	-	-	SYM
fsr-3237	12	4	619	619	NUM
fsr-3237	12	5	-	-	PUNCT
fsr-3237	12	6	594	594	NUM
fsr-3237	12	7	-	-	PUNCT
fsr-3237	12	8	2082	2082	NUM
fsr-3237	12	9	;	;	PUNCT
fsr-3237	12	10	fax	fax	NOUN
fsr-3237	12	11	:	:	PUNCT
fsr-3237	12	12	�	�	PROPN
fsr-3237	12	13	1	1	NUM
fsr-3237	12	14	-	-	SYM
fsr-3237	12	15	619	619	NUM
fsr-3237	12	16	-	-	PUNCT
fsr-3237	12	17	594	594	NUM
fsr-3237	12	18	-	-	SYM
fsr-3237	12	19	3272	3272	NUM
fsr-3237	12	20	.	.	PUNCT
fsr-3237	13	1	e	e	X
fsr-3237	13	2	-	-	NOUN
fsr-3237	13	3	mail	mail	NOUN
fsr-3237	13	4	address	address	NOUN
fsr-3237	13	5	:	:	PUNCT
fsr-3237	13	6	ntang@mail.sdsu.edu	ntang@mail.sdsu.edu	NUM
fsr-3237	13	7	(	(	PUNCT
fsr-3237	13	8	n.	n.	NOUN
fsr-3237	13	9	tang	tang	PROPN
fsr-3237	13	10	)	)	PUNCT
fsr-3237	13	11	.	.	PUNCT
fsr-3237	14	1	financial	financial	ADJ
fsr-3237	14	2	services	service	NOUN
fsr-3237	14	3	review	review	VERB
fsr-3237	14	4	24	24	NUM
fsr-3237	14	5	(	(	PUNCT
fsr-3237	14	6	2015	2015	NUM
fsr-3237	14	7	)	)	PUNCT
fsr-3237	14	8	119–137	119–137	NUM
fsr-3237	14	9	1057	1057	NUM
fsr-3237	14	10	-	-	SYM
fsr-3237	14	11	0810/15/$	0810/15/$	NUM
fsr-3237	14	12	–	–	PUNCT
fsr-3237	14	13	see	see	VERB
fsr-3237	14	14	front	front	ADJ
fsr-3237	14	15	matter	matter	NOUN
fsr-3237	14	16	©	©	PROPN
fsr-3237	14	17	2015	2015	NUM
fsr-3237	14	18	academy	academy	NOUN
fsr-3237	14	19	of	of	ADP
fsr-3237	14	20	financial	financial	ADJ
fsr-3237	14	21	services	service	NOUN
fsr-3237	14	22	.	.	PUNCT
fsr-3237	15	1	all	all	DET
fsr-3237	15	2	rights	right	NOUN
fsr-3237	15	3	reserved	reserve	VERB
fsr-3237	15	4	.	.	PUNCT
fsr-3237	16	1	funds	fund	NOUN
fsr-3237	16	2	.	.	PUNCT
fsr-3237	17	1	the	the	DET
fsr-3237	17	2	financial	financial	ADJ
fsr-3237	17	3	decisions	decision	NOUN
fsr-3237	17	4	made	make	VERB
fsr-3237	17	5	early	early	ADV
fsr-3237	17	6	in	in	ADP
fsr-3237	17	7	life	life	NOUN
fsr-3237	17	8	can	can	AUX
fsr-3237	17	9	have	have	VERB
fsr-3237	17	10	significant	significant	ADJ
fsr-3237	17	11	long	long	ADJ
fsr-3237	17	12	-	-	PUNCT
fsr-3237	17	13	term	term	NOUN
fsr-3237	17	14	economic	economic	ADJ
fsr-3237	17	15	and	and	CCONJ
fsr-3237	17	16	social	social	ADJ
fsr-3237	17	17	effects	effect	NOUN
fsr-3237	17	18	(	(	PUNCT
fsr-3237	17	19	montoya	montoya	NOUN
fsr-3237	17	20	and	and	CCONJ
fsr-3237	17	21	scott	scott	PROPN
fsr-3237	17	22	,	,	PUNCT
fsr-3237	17	23	2013	2013	NUM
fsr-3237	17	24	)	)	PUNCT
fsr-3237	17	25	.	.	PUNCT
fsr-3237	18	1	better	well	ADJ
fsr-3237	18	2	financial	financial	ADJ
fsr-3237	18	3	behavior	behavior	NOUN
fsr-3237	18	4	requires	require	VERB
fsr-3237	18	5	financial	financial	ADJ
fsr-3237	18	6	knowledge	knowledge	NOUN
fsr-3237	18	7	,	,	PUNCT
fsr-3237	18	8	specifically	specifically	ADV
fsr-3237	18	9	knowledge	knowledge	NOUN
fsr-3237	18	10	in	in	ADP
fsr-3237	18	11	essential	essential	ADJ
fsr-3237	18	12	personal	personal	ADJ
fsr-3237	18	13	finance	finance	NOUN
fsr-3237	18	14	concepts	concept	NOUN
fsr-3237	18	15	and	and	CCONJ
fsr-3237	18	16	products	product	NOUN
fsr-3237	18	17	(	(	PUNCT
fsr-3237	18	18	chen	chen	PROPN
fsr-3237	18	19	and	and	CCONJ
fsr-3237	18	20	volpe	volpe	PROPN
fsr-3237	18	21	,	,	PUNCT
fsr-3237	18	22	1998	1998	NUM
fsr-3237	18	23	;	;	PUNCT
fsr-3237	18	24	jacobs	jacobs	PROPN
fsr-3237	18	25	-	-	PUNCT
fsr-3237	18	26	lawson	lawson	PROPN
fsr-3237	18	27	and	and	CCONJ
fsr-3237	18	28	hershey	hershey	PROPN
fsr-3237	18	29	,	,	PUNCT
fsr-3237	18	30	2005	2005	NUM
fsr-3237	18	31	;	;	PUNCT
fsr-3237	18	32	van	van	PROPN
fsr-3237	18	33	rooij	rooij	NOUN
fsr-3237	18	34	,	,	PUNCT
fsr-3237	18	35	lusardi	lusardi	NOUN
fsr-3237	18	36	,	,	PUNCT
fsr-3237	18	37	and	and	CCONJ
fsr-3237	18	38	alessie	alessie	ADJ
fsr-3237	18	39	,	,	PUNCT
fsr-3237	18	40	2011	2011	NUM
fsr-3237	18	41	)	)	PUNCT
fsr-3237	18	42	.	.	PUNCT
fsr-3237	19	1	because	because	SCONJ
fsr-3237	19	2	choices	choice	NOUN
fsr-3237	19	3	made	make	VERB
fsr-3237	19	4	at	at	ADP
fsr-3237	19	5	the	the	DET
fsr-3237	19	6	beginning	beginning	NOUN
fsr-3237	19	7	of	of	ADP
fsr-3237	19	8	financial	financial	ADJ
fsr-3237	19	9	independence	independence	NOUN
fsr-3237	19	10	exert	exert	VERB
fsr-3237	19	11	such	such	DET
fsr-3237	19	12	a	a	DET
fsr-3237	19	13	strong	strong	ADJ
fsr-3237	19	14	influence	influence	NOUN
fsr-3237	19	15	later	later	ADV
fsr-3237	19	16	,	,	PUNCT
fsr-3237	19	17	it	it	PRON
fsr-3237	19	18	is	be	AUX
fsr-3237	19	19	especially	especially	ADV
fsr-3237	19	20	urgent	urgent	ADJ
fsr-3237	19	21	that	that	SCONJ
fsr-3237	19	22	young	young	ADJ
fsr-3237	19	23	people	people	NOUN
fsr-3237	19	24	develop	develop	VERB
fsr-3237	19	25	basic	basic	ADJ
fsr-3237	19	26	knowledge	knowledge	NOUN
fsr-3237	19	27	and	and	CCONJ
fsr-3237	19	28	skills	skill	NOUN
fsr-3237	19	29	in	in	ADP
fsr-3237	19	30	economics	economic	NOUN
fsr-3237	19	31	and	and	CCONJ
fsr-3237	19	32	finance	finance	NOUN
fsr-3237	19	33	(	(	PUNCT
fsr-3237	19	34	shim	shim	NOUN
fsr-3237	19	35	et	et	PROPN
fsr-3237	19	36	al	al	PROPN
fsr-3237	19	37	.	.	PROPN
fsr-3237	19	38	,	,	PUNCT
fsr-3237	19	39	2013	2013	NUM
fsr-3237	19	40	)	)	PUNCT
fsr-3237	19	41	.	.	PUNCT
fsr-3237	20	1	alhenawi	alhenawi	NOUN
fsr-3237	20	2	and	and	CCONJ
fsr-3237	20	3	elkhal	elkhal	VERB
fsr-3237	20	4	(	(	PUNCT
fsr-3237	20	5	2013	2013	NUM
fsr-3237	20	6	)	)	PUNCT
fsr-3237	20	7	infer	infer	VERB
fsr-3237	20	8	from	from	ADP
fsr-3237	20	9	their	their	PRON
fsr-3237	20	10	findings	finding	NOUN
fsr-3237	20	11	that	that	PRON
fsr-3237	20	12	to	to	PART
fsr-3237	20	13	promote	promote	VERB
fsr-3237	20	14	financial	financial	ADJ
fsr-3237	20	15	planning	planning	NOUN
fsr-3237	20	16	,	,	PUNCT
fsr-3237	20	17	we	we	PRON
fsr-3237	20	18	should	should	AUX
fsr-3237	20	19	strongly	strongly	ADV
fsr-3237	20	20	foster	foster	VERB
fsr-3237	20	21	financial	financial	ADJ
fsr-3237	20	22	education	education	NOUN
fsr-3237	20	23	at	at	ADP
fsr-3237	20	24	early	early	ADJ
fsr-3237	20	25	stages	stage	NOUN
fsr-3237	20	26	of	of	ADP
fsr-3237	20	27	life	life	NOUN
fsr-3237	20	28	.	.	PUNCT
fsr-3237	21	1	policymakers	policymaker	NOUN
fsr-3237	21	2	,	,	PUNCT
fsr-3237	21	3	the	the	DET
fsr-3237	21	4	financial	financial	ADJ
fsr-3237	21	5	service	service	NOUN
fsr-3237	21	6	industry	industry	NOUN
fsr-3237	21	7	and	and	CCONJ
fsr-3237	21	8	educators	educator	NOUN
fsr-3237	21	9	have	have	AUX
fsr-3237	21	10	promoted	promote	VERB
fsr-3237	21	11	numerous	numerous	ADJ
fsr-3237	21	12	programs	program	NOUN
fsr-3237	21	13	and	and	CCONJ
fsr-3237	21	14	initiatives	initiative	NOUN
fsr-3237	21	15	to	to	PART
fsr-3237	21	16	combat	combat	VERB
fsr-3237	21	17	low	low	ADJ
fsr-3237	21	18	levels	level	NOUN
fsr-3237	21	19	of	of	ADP
fsr-3237	21	20	financial	financial	ADJ
fsr-3237	21	21	knowledge	knowledge	NOUN
fsr-3237	21	22	among	among	ADP
fsr-3237	21	23	young	young	ADJ
fsr-3237	21	24	people	people	NOUN
fsr-3237	21	25	.	.	PUNCT
fsr-3237	22	1	for	for	ADP
fsr-3237	22	2	example	example	NOUN
fsr-3237	22	3	,	,	PUNCT
fsr-3237	22	4	in	in	ADP
fsr-3237	22	5	2009	2009	NUM
fsr-3237	22	6	,	,	PUNCT
fsr-3237	22	7	21	21	NUM
fsr-3237	22	8	states	state	NOUN
fsr-3237	22	9	required	require	VERB
fsr-3237	22	10	an	an	DET
fsr-3237	22	11	economics	economics	NOUN
fsr-3237	22	12	course	course	NOUN
fsr-3237	22	13	for	for	ADP
fsr-3237	22	14	high	high	ADJ
fsr-3237	22	15	school	school	NOUN
fsr-3237	22	16	graduation	graduation	NOUN
fsr-3237	22	17	whereas	whereas	SCONJ
fsr-3237	22	18	13	13	NUM
fsr-3237	22	19	states	state	NOUN
fsr-3237	22	20	required	require	VERB
fsr-3237	22	21	a	a	DET
fsr-3237	22	22	personal	personal	ADJ
fsr-3237	22	23	finance	finance	NOUN
fsr-3237	22	24	course	course	NOUN
fsr-3237	22	25	(	(	PUNCT
fsr-3237	22	26	council	council	NOUN
fsr-3237	22	27	for	for	ADP
fsr-3237	22	28	economic	economic	ADJ
fsr-3237	22	29	education	education	NOUN
fsr-3237	22	30	,	,	PUNCT
fsr-3237	22	31	2009	2009	NUM
fsr-3237	22	32	)	)	PUNCT
fsr-3237	22	33	.	.	PUNCT
fsr-3237	23	1	as	as	ADP
fsr-3237	23	2	of	of	ADP
fsr-3237	23	3	2013	2013	NUM
fsr-3237	23	4	,	,	PUNCT
fsr-3237	23	5	these	these	DET
fsr-3237	23	6	numbers	number	NOUN
fsr-3237	23	7	have	have	AUX
fsr-3237	23	8	been	be	AUX
fsr-3237	23	9	increased	increase	VERB
fsr-3237	23	10	to	to	ADP
fsr-3237	23	11	22	22	NUM
fsr-3237	23	12	and	and	CCONJ
fsr-3237	23	13	17	17	NUM
fsr-3237	23	14	,	,	PUNCT
fsr-3237	23	15	respectively	respectively	ADV
fsr-3237	23	16	(	(	PUNCT
fsr-3237	23	17	council	council	NOUN
fsr-3237	23	18	for	for	ADP
fsr-3237	23	19	economic	economic	ADJ
fsr-3237	23	20	education	education	NOUN
fsr-3237	23	21	,	,	PUNCT
fsr-3237	23	22	2014	2014	NUM
fsr-3237	23	23	)	)	PUNCT
fsr-3237	23	24	.	.	PUNCT
fsr-3237	24	1	in	in	ADP
fsr-3237	24	2	2010	2010	NUM
fsr-3237	24	3	,	,	PUNCT
fsr-3237	24	4	under	under	ADP
fsr-3237	24	5	the	the	DET
fsr-3237	24	6	dodd	dodd	PROPN
fsr-3237	24	7	-	-	PUNCT
fsr-3237	24	8	frank	frank	PROPN
fsr-3237	24	9	act	act	PROPN
fsr-3237	24	10	(	(	PUNCT
fsr-3237	24	11	h.r	h.r	PROPN
fsr-3237	24	12	.	.	PROPN
fsr-3237	24	13	4173	4173	NUM
fsr-3237	24	14	)	)	PUNCT
fsr-3237	24	15	,	,	PUNCT
fsr-3237	24	16	the	the	DET
fsr-3237	24	17	u.s	u.s	PROPN
fsr-3237	24	18	.	.	PROPN
fsr-3237	24	19	congress	congress	PROPN
fsr-3237	24	20	created	create	VERB
fsr-3237	24	21	the	the	DET
fsr-3237	24	22	consumer	consumer	NOUN
fsr-3237	24	23	financial	financial	PROPN
fsr-3237	24	24	protection	protection	PROPN
fsr-3237	24	25	bureau	bureau	PROPN
fsr-3237	24	26	to	to	PART
fsr-3237	24	27	further	far	ADV
fsr-3237	24	28	promote	promote	VERB
fsr-3237	24	29	financial	financial	ADJ
fsr-3237	24	30	education	education	NOUN
fsr-3237	24	31	through	through	ADP
fsr-3237	24	32	its	its	PRON
fsr-3237	24	33	consumer	consumer	NOUN
fsr-3237	24	34	engagement	engagement	NOUN
fsr-3237	24	35	and	and	CCONJ
fsr-3237	24	36	education	education	NOUN
fsr-3237	24	37	group	group	NOUN
fsr-3237	24	38	.	.	PUNCT
fsr-3237	25	1	there	there	PRON
fsr-3237	25	2	also	also	ADV
fsr-3237	25	3	has	have	AUX
fsr-3237	25	4	been	be	AUX
fsr-3237	25	5	a	a	DET
fsr-3237	25	6	surging	surge	VERB
fsr-3237	25	7	interest	interest	NOUN
fsr-3237	25	8	in	in	ADP
fsr-3237	25	9	financial	financial	ADJ
fsr-3237	25	10	education	education	NOUN
fsr-3237	25	11	by	by	ADP
fsr-3237	25	12	u.s	u.s	PROPN
fsr-3237	25	13	.	.	PROPN
fsr-3237	25	14	financial	financial	ADJ
fsr-3237	25	15	institutions	institution	NOUN
fsr-3237	25	16	and	and	CCONJ
fsr-3237	25	17	their	their	PRON
fsr-3237	25	18	associations	association	NOUN
fsr-3237	25	19	(	(	PUNCT
fsr-3237	25	20	worthington	worthington	PROPN
fsr-3237	25	21	,	,	PUNCT
fsr-3237	25	22	2006	2006	NUM
fsr-3237	25	23	)	)	PUNCT
fsr-3237	25	24	.	.	PUNCT
fsr-3237	26	1	community	community	NOUN
fsr-3237	26	2	banker	banker	NOUN
fsr-3237	26	3	(	(	PUNCT
fsr-3237	26	4	2003	2003	NUM
fsr-3237	26	5	)	)	PUNCT
fsr-3237	26	6	shows	show	VERB
fsr-3237	26	7	that	that	SCONJ
fsr-3237	26	8	in	in	ADP
fsr-3237	26	9	2003	2003	NUM
fsr-3237	26	10	,	,	PUNCT
fsr-3237	26	11	98	98	NUM
fsr-3237	26	12	%	%	NOUN
fsr-3237	26	13	of	of	ADP
fsr-3237	26	14	u.s	u.s	PROPN
fsr-3237	26	15	.	.	PROPN
fsr-3237	26	16	community	community	NOUN
fsr-3237	26	17	banks	bank	NOUN
fsr-3237	26	18	sponsored	sponsor	VERB
fsr-3237	26	19	financial	financial	ADJ
fsr-3237	26	20	literacy	literacy	NOUN
fsr-3237	26	21	programs	program	NOUN
fsr-3237	26	22	and	and	CCONJ
fsr-3237	26	23	72	72	NUM
fsr-3237	26	24	%	%	NOUN
fsr-3237	26	25	offered	offer	VERB
fsr-3237	26	26	their	their	PRON
fsr-3237	26	27	own	own	ADJ
fsr-3237	26	28	programs	program	NOUN
fsr-3237	26	29	.	.	PUNCT
fsr-3237	27	1	despite	despite	SCONJ
fsr-3237	27	2	these	these	DET
fsr-3237	27	3	efforts	effort	NOUN
fsr-3237	27	4	,	,	PUNCT
fsr-3237	27	5	lack	lack	NOUN
fsr-3237	27	6	of	of	ADP
fsr-3237	27	7	financial	financial	ADJ
fsr-3237	27	8	knowledge	knowledge	NOUN
fsr-3237	27	9	among	among	ADP
fsr-3237	27	10	young	young	ADJ
fsr-3237	27	11	people	people	NOUN
fsr-3237	27	12	is	be	AUX
fsr-3237	27	13	still	still	ADV
fsr-3237	27	14	widespread	widespread	ADJ
fsr-3237	27	15	(	(	PUNCT
fsr-3237	27	16	see	see	VERB
fsr-3237	27	17	,	,	PUNCT
fsr-3237	27	18	e.g.	e.g.	ADV
fsr-3237	27	19	,	,	PUNCT
fsr-3237	27	20	chen	chen	PROPN
fsr-3237	27	21	and	and	CCONJ
fsr-3237	27	22	volpe	volpe	PROPN
fsr-3237	27	23	,	,	PUNCT
fsr-3237	27	24	1998	1998	NUM
fsr-3237	27	25	;	;	PUNCT
fsr-3237	27	26	mandell	mandell	PROPN
fsr-3237	27	27	,	,	PUNCT
fsr-3237	27	28	2009	2009	NUM
fsr-3237	27	29	)	)	PUNCT
fsr-3237	27	30	.	.	PUNCT
fsr-3237	28	1	to	to	PART
fsr-3237	28	2	formulate	formulate	VERB
fsr-3237	28	3	effective	effective	ADJ
fsr-3237	28	4	interventions	intervention	NOUN
fsr-3237	28	5	to	to	PART
fsr-3237	28	6	increase	increase	VERB
fsr-3237	28	7	financial	financial	ADJ
fsr-3237	28	8	knowledge	knowledge	NOUN
fsr-3237	28	9	among	among	ADP
fsr-3237	28	10	the	the	DET
fsr-3237	28	11	young	young	ADJ
fsr-3237	28	12	,	,	PUNCT
fsr-3237	28	13	we	we	PRON
fsr-3237	28	14	need	need	VERB
fsr-3237	28	15	to	to	PART
fsr-3237	28	16	identify	identify	VERB
fsr-3237	28	17	and	and	CCONJ
fsr-3237	28	18	manage	manage	VERB
fsr-3237	28	19	aspects	aspect	NOUN
fsr-3237	28	20	that	that	PRON
fsr-3237	28	21	influence	influence	VERB
fsr-3237	28	22	the	the	DET
fsr-3237	28	23	process	process	NOUN
fsr-3237	28	24	through	through	ADP
fsr-3237	28	25	which	which	PRON
fsr-3237	28	26	people	people	NOUN
fsr-3237	28	27	acquire	acquire	VERB
fsr-3237	28	28	financial	financial	ADJ
fsr-3237	28	29	knowledge	knowledge	NOUN
fsr-3237	28	30	.	.	PUNCT
fsr-3237	29	1	in	in	ADP
fsr-3237	29	2	the	the	DET
fsr-3237	29	3	past	past	NOUN
fsr-3237	29	4	,	,	PUNCT
fsr-3237	29	5	the	the	DET
fsr-3237	29	6	main	main	ADJ
fsr-3237	29	7	focus	focus	NOUN
fsr-3237	29	8	has	have	AUX
fsr-3237	29	9	been	be	AUX
fsr-3237	29	10	on	on	ADP
fsr-3237	29	11	the	the	DET
fsr-3237	29	12	formal	formal	ADJ
fsr-3237	29	13	education	education	NOUN
fsr-3237	29	14	system	system	NOUN
fsr-3237	29	15	to	to	PART
fsr-3237	29	16	disseminate	disseminate	VERB
fsr-3237	29	17	financial	financial	ADJ
fsr-3237	29	18	knowledge	knowledge	NOUN
fsr-3237	29	19	to	to	ADP
fsr-3237	29	20	young	young	ADJ
fsr-3237	29	21	people	people	NOUN
fsr-3237	29	22	.	.	PUNCT
fsr-3237	30	1	however	however	ADV
fsr-3237	30	2	,	,	PUNCT
fsr-3237	30	3	because	because	SCONJ
fsr-3237	30	4	of	of	ADP
fsr-3237	30	5	poor	poor	ADJ
fsr-3237	30	6	results	result	NOUN
fsr-3237	30	7	,	,	PUNCT
fsr-3237	30	8	researchers	researcher	NOUN
fsr-3237	30	9	and	and	CCONJ
fsr-3237	30	10	policymakers	policymaker	NOUN
fsr-3237	30	11	have	have	AUX
fsr-3237	30	12	started	start	VERB
fsr-3237	30	13	questioning	question	VERB
fsr-3237	30	14	the	the	DET
fsr-3237	30	15	roles	role	NOUN
fsr-3237	30	16	parents	parent	NOUN
fsr-3237	30	17	and	and	CCONJ
fsr-3237	30	18	personal	personal	ADJ
fsr-3237	30	19	experience	experience	NOUN
fsr-3237	30	20	play	play	NOUN
fsr-3237	30	21	in	in	ADP
fsr-3237	30	22	effective	effective	ADJ
fsr-3237	30	23	financial	financial	ADJ
fsr-3237	30	24	knowledge	knowledge	NOUN
fsr-3237	30	25	learning	learning	NOUN
fsr-3237	30	26	.	.	PUNCT
fsr-3237	31	1	for	for	ADP
fsr-3237	31	2	example	example	NOUN
fsr-3237	31	3	,	,	PUNCT
fsr-3237	31	4	johnson	johnson	PROPN
fsr-3237	31	5	and	and	CCONJ
fsr-3237	31	6	sherraden	sherraden	PROPN
fsr-3237	31	7	(	(	PUNCT
fsr-3237	31	8	2007	2007	NUM
fsr-3237	31	9	)	)	PUNCT
fsr-3237	31	10	show	show	VERB
fsr-3237	31	11	that	that	SCONJ
fsr-3237	31	12	students	student	NOUN
fsr-3237	31	13	can	can	AUX
fsr-3237	31	14	successfully	successfully	ADV
fsr-3237	31	15	obtain	obtain	VERB
fsr-3237	31	16	necessary	necessary	ADJ
fsr-3237	31	17	financial	financial	ADJ
fsr-3237	31	18	concepts	concept	NOUN
fsr-3237	31	19	by	by	ADP
fsr-3237	31	20	participating	participate	VERB
fsr-3237	31	21	in	in	ADP
fsr-3237	31	22	programs	program	NOUN
fsr-3237	31	23	that	that	PRON
fsr-3237	31	24	provide	provide	VERB
fsr-3237	31	25	education	education	NOUN
fsr-3237	31	26	as	as	ADV
fsr-3237	31	27	well	well	ADV
fsr-3237	31	28	as	as	ADP
fsr-3237	31	29	hands	hand	NOUN
fsr-3237	31	30	-	-	PUNCT
fsr-3237	31	31	on	on	ADP
fsr-3237	31	32	investment	investment	NOUN
fsr-3237	31	33	and	and	CCONJ
fsr-3237	31	34	management	management	NOUN
fsr-3237	31	35	experience	experience	NOUN
fsr-3237	31	36	,	,	PUNCT
fsr-3237	31	37	such	such	ADJ
fsr-3237	31	38	as	as	ADP
fsr-3237	31	39	“	"	PUNCT
fsr-3237	31	40	save	save	NOUN
fsr-3237	31	41	for	for	ADP
fsr-3237	31	42	america	america	PROPN
fsr-3237	31	43	”	"	PUNCT
fsr-3237	31	44	and	and	CCONJ
fsr-3237	31	45	“	"	PUNCT
fsr-3237	31	46	illinois	illinois	PROPN
fsr-3237	31	47	bank	bank	PROPN
fsr-3237	31	48	-	-	PUNCT
fsr-3237	31	49	at	at	ADP
fsr-3237	31	50	-	-	PUNCT
fsr-3237	31	51	school	school	NOUN
fsr-3237	31	52	”	"	PUNCT
fsr-3237	31	53	programs	program	NOUN
fsr-3237	31	54	.	.	PUNCT
fsr-3237	32	1	lusardi	lusardi	PROPN
fsr-3237	32	2	,	,	PUNCT
fsr-3237	32	3	mitchell	mitchell	PROPN
fsr-3237	32	4	,	,	PUNCT
fsr-3237	32	5	and	and	CCONJ
fsr-3237	32	6	curto	curto	PROPN
fsr-3237	32	7	(	(	PUNCT
fsr-3237	32	8	2010	2010	NUM
fsr-3237	32	9	)	)	PUNCT
fsr-3237	32	10	suggest	suggest	VERB
fsr-3237	32	11	parents	parent	NOUN
fsr-3237	32	12	’	'	PUNCT
fsr-3237	32	13	financial	financial	ADJ
fsr-3237	32	14	experience	experience	NOUN
fsr-3237	32	15	is	be	AUX
fsr-3237	32	16	an	an	DET
fsr-3237	32	17	important	important	ADJ
fsr-3237	32	18	variable	variable	NOUN
fsr-3237	32	19	affecting	affect	VERB
fsr-3237	32	20	a	a	DET
fsr-3237	32	21	young	young	ADJ
fsr-3237	32	22	adult	adult	NOUN
fsr-3237	32	23	’s	’s	PART
fsr-3237	32	24	financial	financial	ADJ
fsr-3237	32	25	knowledge	knowledge	NOUN
fsr-3237	32	26	in	in	ADP
fsr-3237	32	27	addition	addition	NOUN
fsr-3237	32	28	to	to	ADP
fsr-3237	32	29	financial	financial	ADJ
fsr-3237	32	30	education	education	NOUN
fsr-3237	32	31	.	.	PUNCT
fsr-3237	33	1	surveying	survey	VERB
fsr-3237	33	2	financial	financial	ADJ
fsr-3237	33	3	literacy	literacy	NOUN
fsr-3237	33	4	among	among	ADP
fsr-3237	33	5	college	college	NOUN
fsr-3237	33	6	students	student	NOUN
fsr-3237	33	7	,	,	PUNCT
fsr-3237	33	8	chen	chen	PROPN
fsr-3237	33	9	and	and	CCONJ
fsr-3237	33	10	volpe	volpe	PROPN
fsr-3237	33	11	(	(	PUNCT
fsr-3237	33	12	1998	1998	NUM
fsr-3237	33	13	)	)	PUNCT
fsr-3237	33	14	find	find	VERB
fsr-3237	33	15	that	that	SCONJ
fsr-3237	33	16	parents	parent	NOUN
fsr-3237	33	17	,	,	PUNCT
fsr-3237	33	18	participants	participant	NOUN
fsr-3237	33	19	’	'	PUNCT
fsr-3237	33	20	own	own	ADJ
fsr-3237	33	21	mistakes	mistake	NOUN
fsr-3237	33	22	,	,	PUNCT
fsr-3237	33	23	and	and	CCONJ
fsr-3237	33	24	school	school	NOUN
fsr-3237	33	25	courses	course	NOUN
fsr-3237	33	26	are	be	AUX
fsr-3237	33	27	all	all	PRON
fsr-3237	33	28	listed	list	VERB
fsr-3237	33	29	as	as	ADP
fsr-3237	33	30	people	people	NOUN
fsr-3237	33	31	’s	’s	PART
fsr-3237	33	32	sources	source	NOUN
fsr-3237	33	33	of	of	ADP
fsr-3237	33	34	personal	personal	ADJ
fsr-3237	33	35	finance	finance	NOUN
fsr-3237	33	36	education	education	NOUN
fsr-3237	33	37	.	.	PUNCT
fsr-3237	34	1	however	however	ADV
fsr-3237	34	2	,	,	PUNCT
fsr-3237	34	3	no	no	DET
fsr-3237	34	4	study	study	NOUN
fsr-3237	34	5	to	to	ADP
fsr-3237	34	6	our	our	PRON
fsr-3237	34	7	knowledge	knowledge	NOUN
fsr-3237	34	8	has	have	AUX
fsr-3237	34	9	tested	test	VERB
fsr-3237	34	10	for	for	ADP
fsr-3237	34	11	the	the	DET
fsr-3237	34	12	concurrent	concurrent	ADJ
fsr-3237	34	13	roles	role	NOUN
fsr-3237	34	14	of	of	ADP
fsr-3237	34	15	financial	financial	ADJ
fsr-3237	34	16	education	education	NOUN
fsr-3237	34	17	,	,	PUNCT
fsr-3237	34	18	financial	financial	ADJ
fsr-3237	34	19	experience	experience	NOUN
fsr-3237	34	20	and	and	CCONJ
fsr-3237	34	21	parents	parent	NOUN
fsr-3237	34	22	’	’	PART
fsr-3237	34	23	financial	financial	ADJ
fsr-3237	34	24	experience	experience	NOUN
fsr-3237	34	25	in	in	ADP
fsr-3237	34	26	reducing	reduce	VERB
fsr-3237	34	27	the	the	DET
fsr-3237	34	28	gap	gap	NOUN
fsr-3237	34	29	in	in	ADP
fsr-3237	34	30	financial	financial	ADJ
fsr-3237	34	31	knowledge	knowledge	NOUN
fsr-3237	34	32	.	.	PUNCT
fsr-3237	35	1	by	by	ADP
fsr-3237	35	2	taking	take	VERB
fsr-3237	35	3	a	a	DET
fsr-3237	35	4	general	general	ADJ
fsr-3237	35	5	model	model	NOUN
fsr-3237	35	6	of	of	ADP
fsr-3237	35	7	learning	learn	VERB
fsr-3237	35	8	from	from	ADP
fsr-3237	35	9	the	the	DET
fsr-3237	35	10	education	education	NOUN
fsr-3237	35	11	literature	literature	NOUN
fsr-3237	35	12	(	(	PUNCT
fsr-3237	35	13	kolb	kolb	PROPN
fsr-3237	35	14	,	,	PUNCT
fsr-3237	35	15	1984	1984	NUM
fsr-3237	35	16	)	)	PUNCT
fsr-3237	35	17	and	and	CCONJ
fsr-3237	35	18	applying	apply	VERB
fsr-3237	35	19	it	it	PRON
fsr-3237	35	20	to	to	ADP
fsr-3237	35	21	financial	financial	ADJ
fsr-3237	35	22	knowledge	knowledge	NOUN
fsr-3237	35	23	learning	learning	PROPN
fsr-3237	35	24	,	,	PUNCT
fsr-3237	35	25	our	our	PRON
fsr-3237	35	26	study	study	NOUN
fsr-3237	35	27	aims	aim	VERB
fsr-3237	35	28	to	to	PART
fsr-3237	35	29	identify	identify	VERB
fsr-3237	35	30	the	the	DET
fsr-3237	35	31	concurrent	concurrent	ADJ
fsr-3237	35	32	roles	role	NOUN
fsr-3237	35	33	of	of	ADP
fsr-3237	35	34	financial	financial	ADJ
fsr-3237	35	35	education	education	NOUN
fsr-3237	35	36	,	,	PUNCT
fsr-3237	35	37	financial	financial	ADJ
fsr-3237	35	38	experience	experience	NOUN
fsr-3237	35	39	,	,	PUNCT
fsr-3237	35	40	and	and	CCONJ
fsr-3237	35	41	parent	parent	NOUN
fsr-3237	35	42	’s	’s	PART
fsr-3237	35	43	financial	financial	ADJ
fsr-3237	35	44	experience	experience	NOUN
fsr-3237	35	45	as	as	ADP
fsr-3237	35	46	determinants	determinant	NOUN
fsr-3237	35	47	of	of	ADP
fsr-3237	35	48	financial	financial	ADJ
fsr-3237	35	49	knowledge	knowledge	NOUN
fsr-3237	35	50	acquisition	acquisition	NOUN
fsr-3237	35	51	.	.	PUNCT
fsr-3237	36	1	moreover	moreover	ADV
fsr-3237	36	2	,	,	PUNCT
fsr-3237	36	3	the	the	DET
fsr-3237	36	4	interaction	interaction	NOUN
fsr-3237	36	5	among	among	ADP
fsr-3237	36	6	these	these	DET
fsr-3237	36	7	variables	variable	NOUN
fsr-3237	36	8	is	be	AUX
fsr-3237	36	9	also	also	ADV
fsr-3237	36	10	explored	explore	VERB
fsr-3237	36	11	.	.	PUNCT
fsr-3237	37	1	results	result	NOUN
fsr-3237	37	2	from	from	ADP
fsr-3237	37	3	subgroup	subgroup	ADJ
fsr-3237	37	4	analysis	analysis	NOUN
fsr-3237	37	5	and	and	CCONJ
fsr-3237	37	6	poisson	poisson	NOUN
fsr-3237	37	7	regression	regression	NOUN
fsr-3237	37	8	based	base	VERB
fsr-3237	37	9	on	on	ADP
fsr-3237	37	10	3,597	3,597	NUM
fsr-3237	37	11	young	young	ADJ
fsr-3237	37	12	adults	adult	NOUN
fsr-3237	37	13	from	from	ADP
fsr-3237	37	14	the	the	DET
fsr-3237	37	15	1997	1997	NUM
fsr-3237	37	16	national	national	ADJ
fsr-3237	37	17	longitudinal	longitudinal	ADJ
fsr-3237	37	18	survey	survey	NOUN
fsr-3237	37	19	of	of	ADP
fsr-3237	37	20	youth	youth	NOUN
fsr-3237	37	21	indicate	indicate	VERB
fsr-3237	37	22	that	that	SCONJ
fsr-3237	37	23	financial	financial	PROPN
fsr-3237	37	24	educa120	educa120	PROPN
fsr-3237	37	25	n.	n.	PROPN
fsr-3237	37	26	tang	tang	PROPN
fsr-3237	37	27	,	,	PUNCT
fsr-3237	37	28	p.c	p.c	PROPN
fsr-3237	37	29	.	.	PROPN
fsr-3237	37	30	peter	peter	PROPN
fsr-3237	37	31	/	/	SYM
fsr-3237	37	32	financial	financial	ADJ
fsr-3237	37	33	services	service	NOUN
fsr-3237	37	34	review	review	VERB
fsr-3237	37	35	24	24	NUM
fsr-3237	37	36	(	(	PUNCT
fsr-3237	37	37	2015	2015	NUM
fsr-3237	37	38	)	)	PUNCT
fsr-3237	37	39	119–137	119–137	NUM
fsr-3237	37	40	tion	tion	NOUN
fsr-3237	37	41	,	,	PUNCT
fsr-3237	37	42	financial	financial	ADJ
fsr-3237	37	43	experience	experience	NOUN
fsr-3237	37	44	,	,	PUNCT
fsr-3237	37	45	and	and	CCONJ
fsr-3237	37	46	parents	parent	NOUN
fsr-3237	37	47	’	'	PUNCT
fsr-3237	37	48	financial	financial	ADJ
fsr-3237	37	49	experience	experience	NOUN
fsr-3237	37	50	all	all	PRON
fsr-3237	37	51	significantly	significantly	ADV
fsr-3237	37	52	improve	improve	VERB
fsr-3237	37	53	young	young	ADJ
fsr-3237	37	54	adults	adult	NOUN
fsr-3237	37	55	’	'	PUNCT
fsr-3237	37	56	financial	financial	ADJ
fsr-3237	37	57	knowledge	knowledge	NOUN
fsr-3237	37	58	.	.	PUNCT
fsr-3237	38	1	moreover	moreover	ADV
fsr-3237	38	2	,	,	PUNCT
fsr-3237	38	3	they	they	PRON
fsr-3237	38	4	work	work	VERB
fsr-3237	38	5	interactively	interactively	ADV
fsr-3237	38	6	.	.	PUNCT
fsr-3237	39	1	young	young	ADJ
fsr-3237	39	2	adults	adult	NOUN
fsr-3237	39	3	lacking	lack	VERB
fsr-3237	39	4	financial	financial	ADJ
fsr-3237	39	5	education	education	NOUN
fsr-3237	39	6	benefit	benefit	NOUN
fsr-3237	39	7	more	more	ADV
fsr-3237	39	8	from	from	ADP
fsr-3237	39	9	financial	financial	ADJ
fsr-3237	39	10	experience	experience	NOUN
fsr-3237	39	11	and	and	CCONJ
fsr-3237	39	12	parents	parent	NOUN
fsr-3237	39	13	’	’	PART
fsr-3237	39	14	financial	financial	ADJ
fsr-3237	39	15	experience	experience	NOUN
fsr-3237	39	16	.	.	PUNCT
fsr-3237	40	1	that	that	PRON
fsr-3237	40	2	is	be	AUX
fsr-3237	40	3	,	,	PUNCT
fsr-3237	40	4	both	both	CCONJ
fsr-3237	40	5	individual	individual	ADJ
fsr-3237	40	6	and	and	CCONJ
fsr-3237	40	7	parents	parent	NOUN
fsr-3237	40	8	’	'	PUNCT
fsr-3237	40	9	financial	financial	ADJ
fsr-3237	40	10	experience	experience	NOUN
fsr-3237	40	11	can	can	AUX
fsr-3237	40	12	help	help	VERB
fsr-3237	40	13	narrow	narrow	VERB
fsr-3237	40	14	the	the	DET
fsr-3237	40	15	gap	gap	NOUN
fsr-3237	40	16	in	in	ADP
fsr-3237	40	17	financial	financial	ADJ
fsr-3237	40	18	knowledge	knowledge	NOUN
fsr-3237	40	19	caused	cause	VERB
fsr-3237	40	20	by	by	ADP
fsr-3237	40	21	lack	lack	NOUN
fsr-3237	40	22	of	of	ADP
fsr-3237	40	23	financial	financial	ADJ
fsr-3237	40	24	education	education	NOUN
fsr-3237	40	25	.	.	PUNCT
fsr-3237	41	1	the	the	DET
fsr-3237	41	2	article	article	NOUN
fsr-3237	41	3	offers	offer	VERB
fsr-3237	41	4	two	two	NUM
fsr-3237	41	5	main	main	ADJ
fsr-3237	41	6	contributions	contribution	NOUN
fsr-3237	41	7	.	.	PUNCT
fsr-3237	42	1	first	first	ADV
fsr-3237	42	2	,	,	PUNCT
fsr-3237	42	3	the	the	DET
fsr-3237	42	4	article	article	NOUN
fsr-3237	42	5	adapts	adapt	VERB
fsr-3237	42	6	a	a	DET
fsr-3237	42	7	solid	solid	ADJ
fsr-3237	42	8	model	model	NOUN
fsr-3237	42	9	of	of	ADP
fsr-3237	42	10	learning	learn	VERB
fsr-3237	42	11	from	from	ADP
fsr-3237	42	12	the	the	DET
fsr-3237	42	13	field	field	NOUN
fsr-3237	42	14	of	of	ADP
fsr-3237	42	15	education	education	NOUN
fsr-3237	42	16	to	to	ADP
fsr-3237	42	17	the	the	DET
fsr-3237	42	18	field	field	NOUN
fsr-3237	42	19	of	of	ADP
fsr-3237	42	20	financial	financial	ADJ
fsr-3237	42	21	literacy	literacy	NOUN
fsr-3237	42	22	to	to	PART
fsr-3237	42	23	create	create	VERB
fsr-3237	42	24	a	a	DET
fsr-3237	42	25	financial	financial	ADJ
fsr-3237	42	26	knowledge	knowledge	NOUN
fsr-3237	42	27	acquisition	acquisition	NOUN
fsr-3237	42	28	framework	framework	NOUN
fsr-3237	42	29	.	.	PUNCT
fsr-3237	43	1	second	second	ADJ
fsr-3237	43	2	,	,	PUNCT
fsr-3237	43	3	the	the	DET
fsr-3237	43	4	article	article	NOUN
fsr-3237	43	5	identifies	identify	VERB
fsr-3237	43	6	three	three	NUM
fsr-3237	43	7	determinants	determinant	NOUN
fsr-3237	43	8	of	of	ADP
fsr-3237	43	9	financial	financial	ADJ
fsr-3237	43	10	knowledge	knowledge	NOUN
fsr-3237	43	11	learning	learning	NOUN
fsr-3237	43	12	—	—	PUNCT
fsr-3237	43	13	financial	financial	ADJ
fsr-3237	43	14	education	education	NOUN
fsr-3237	43	15	,	,	PUNCT
fsr-3237	43	16	financial	financial	ADJ
fsr-3237	43	17	experience	experience	NOUN
fsr-3237	43	18	,	,	PUNCT
fsr-3237	43	19	and	and	CCONJ
fsr-3237	43	20	parents	parent	NOUN
fsr-3237	43	21	’	’	PART
fsr-3237	43	22	financial	financial	ADJ
fsr-3237	43	23	experience	experience	NOUN
fsr-3237	43	24	—	—	PUNCT
fsr-3237	43	25	and	and	CCONJ
fsr-3237	43	26	provides	provide	VERB
fsr-3237	43	27	empirical	empirical	ADJ
fsr-3237	43	28	evidence	evidence	NOUN
fsr-3237	43	29	proving	prove	VERB
fsr-3237	43	30	that	that	SCONJ
fsr-3237	43	31	these	these	DET
fsr-3237	43	32	determinants	determinant	NOUN
fsr-3237	43	33	significantly	significantly	ADV
fsr-3237	43	34	affect	affect	VERB
fsr-3237	43	35	financial	financial	ADJ
fsr-3237	43	36	knowledge	knowledge	NOUN
fsr-3237	43	37	and	and	CCONJ
fsr-3237	43	38	operate	operate	VERB
fsr-3237	43	39	interactively	interactively	ADV
fsr-3237	43	40	.	.	PUNCT
fsr-3237	44	1	taken	take	VERB
fsr-3237	44	2	together	together	ADV
fsr-3237	44	3	,	,	PUNCT
fsr-3237	44	4	these	these	DET
fsr-3237	44	5	contributions	contribution	NOUN
fsr-3237	44	6	flesh	flesh	NOUN
fsr-3237	44	7	out	out	ADP
fsr-3237	44	8	the	the	DET
fsr-3237	44	9	theory	theory	NOUN
fsr-3237	44	10	behind	behind	ADP
fsr-3237	44	11	financial	financial	ADJ
fsr-3237	44	12	knowledge	knowledge	NOUN
fsr-3237	44	13	acquisition	acquisition	NOUN
fsr-3237	44	14	and	and	CCONJ
fsr-3237	44	15	can	can	AUX
fsr-3237	44	16	be	be	AUX
fsr-3237	44	17	used	use	VERB
fsr-3237	44	18	to	to	PART
fsr-3237	44	19	evaluate	evaluate	VERB
fsr-3237	44	20	and	and	CCONJ
fsr-3237	44	21	improve	improve	VERB
fsr-3237	44	22	financial	financial	ADJ
fsr-3237	44	23	education	education	NOUN
fsr-3237	44	24	programs	program	NOUN
fsr-3237	44	25	.	.	PUNCT
fsr-3237	45	1	better	well	ADJ
fsr-3237	45	2	programs	program	NOUN
fsr-3237	45	3	mean	mean	VERB
fsr-3237	45	4	youth	youth	NOUN
fsr-3237	45	5	more	more	ADV
fsr-3237	45	6	educated	educate	VERB
fsr-3237	45	7	in	in	ADP
fsr-3237	45	8	financial	financial	ADJ
fsr-3237	45	9	knowledge	knowledge	NOUN
fsr-3237	45	10	and	and	CCONJ
fsr-3237	45	11	more	more	ADV
fsr-3237	45	12	prepared	prepared	ADJ
fsr-3237	45	13	to	to	PART
fsr-3237	45	14	make	make	VERB
fsr-3237	45	15	the	the	DET
fsr-3237	45	16	crucial	crucial	ADJ
fsr-3237	45	17	financial	financial	ADJ
fsr-3237	45	18	decisions	decision	NOUN
fsr-3237	45	19	faced	face	VERB
fsr-3237	45	20	at	at	ADP
fsr-3237	45	21	the	the	DET
fsr-3237	45	22	beginning	beginning	NOUN
fsr-3237	45	23	of	of	ADP
fsr-3237	45	24	financial	financial	ADJ
fsr-3237	45	25	independence	independence	NOUN
fsr-3237	45	26	.	.	PUNCT
fsr-3237	46	1	the	the	DET
fsr-3237	46	2	remainder	remainder	NOUN
fsr-3237	46	3	of	of	ADP
fsr-3237	46	4	the	the	DET
fsr-3237	46	5	article	article	NOUN
fsr-3237	46	6	is	be	AUX
fsr-3237	46	7	organized	organize	VERB
fsr-3237	46	8	as	as	SCONJ
fsr-3237	46	9	follows	follow	VERB
fsr-3237	46	10	:	:	PUNCT
fsr-3237	46	11	section	section	NOUN
fsr-3237	46	12	2	2	NUM
fsr-3237	46	13	introduces	introduce	VERB
fsr-3237	46	14	the	the	DET
fsr-3237	46	15	conceptual	conceptual	ADJ
fsr-3237	46	16	framework	framework	NOUN
fsr-3237	46	17	and	and	CCONJ
fsr-3237	46	18	hypotheses	hypothesis	NOUN
fsr-3237	46	19	;	;	PUNCT
fsr-3237	46	20	section	section	NOUN
fsr-3237	46	21	3	3	NUM
fsr-3237	46	22	describes	describe	VERB
fsr-3237	46	23	our	our	PRON
fsr-3237	46	24	data	datum	NOUN
fsr-3237	46	25	and	and	CCONJ
fsr-3237	46	26	measures	measure	NOUN
fsr-3237	46	27	;	;	PUNCT
fsr-3237	46	28	section	section	NOUN
fsr-3237	46	29	4	4	NUM
fsr-3237	46	30	shows	show	VERB
fsr-3237	46	31	the	the	DET
fsr-3237	46	32	results	result	NOUN
fsr-3237	46	33	;	;	PUNCT
fsr-3237	46	34	and	and	CCONJ
fsr-3237	46	35	section	section	NOUN
fsr-3237	46	36	5	5	NUM
fsr-3237	46	37	offers	offer	VERB
fsr-3237	46	38	conclusions	conclusion	NOUN
fsr-3237	46	39	.	.	PUNCT
fsr-3237	47	1	2	2	X
fsr-3237	47	2	.	.	X
fsr-3237	47	3	conceptual	conceptual	ADJ
fsr-3237	47	4	framework	framework	NOUN
fsr-3237	47	5	and	and	CCONJ
fsr-3237	47	6	hypotheses	hypothesis	NOUN
fsr-3237	47	7	in	in	ADP
fsr-3237	47	8	discussing	discuss	VERB
fsr-3237	47	9	the	the	DET
fsr-3237	47	10	major	major	ADJ
fsr-3237	47	11	gaps	gap	NOUN
fsr-3237	47	12	in	in	ADP
fsr-3237	47	13	evaluation	evaluation	NOUN
fsr-3237	47	14	literature	literature	NOUN
fsr-3237	47	15	on	on	ADP
fsr-3237	47	16	financial	financial	ADJ
fsr-3237	47	17	education	education	NOUN
fsr-3237	47	18	and	and	CCONJ
fsr-3237	47	19	counseling	counseling	NOUN
fsr-3237	47	20	,	,	PUNCT
fsr-3237	47	21	collins	collin	NOUN
fsr-3237	47	22	and	and	CCONJ
fsr-3237	47	23	o’rourke	o’rourke	NOUN
fsr-3237	47	24	(	(	PUNCT
fsr-3237	47	25	2010	2010	NUM
fsr-3237	47	26	)	)	PUNCT
fsr-3237	47	27	indicate	indicate	VERB
fsr-3237	47	28	a	a	DET
fsr-3237	47	29	lack	lack	NOUN
fsr-3237	47	30	of	of	ADP
fsr-3237	47	31	guiding	guide	VERB
fsr-3237	47	32	theories	theory	NOUN
fsr-3237	47	33	in	in	ADP
fsr-3237	47	34	the	the	DET
fsr-3237	47	35	literature	literature	NOUN
fsr-3237	47	36	.	.	PUNCT
fsr-3237	48	1	they	they	PRON
fsr-3237	48	2	pointed	point	VERB
fsr-3237	48	3	out	out	ADP
fsr-3237	48	4	that	that	SCONJ
fsr-3237	48	5	because	because	SCONJ
fsr-3237	48	6	of	of	ADP
fsr-3237	48	7	the	the	DET
fsr-3237	48	8	lack	lack	NOUN
fsr-3237	48	9	of	of	ADP
fsr-3237	48	10	a	a	DET
fsr-3237	48	11	prevailing	prevail	VERB
fsr-3237	48	12	theoretical	theoretical	ADJ
fsr-3237	48	13	framework	framework	NOUN
fsr-3237	48	14	in	in	ADP
fsr-3237	48	15	the	the	DET
fsr-3237	48	16	field	field	NOUN
fsr-3237	48	17	,	,	PUNCT
fsr-3237	48	18	most	most	ADJ
fsr-3237	48	19	studies	study	NOUN
fsr-3237	48	20	failed	fail	VERB
fsr-3237	48	21	to	to	PART
fsr-3237	48	22	cite	cite	VERB
fsr-3237	48	23	a	a	DET
fsr-3237	48	24	specific	specific	ADJ
fsr-3237	48	25	theory	theory	NOUN
fsr-3237	48	26	or	or	CCONJ
fsr-3237	48	27	understand	understand	VERB
fsr-3237	48	28	the	the	DET
fsr-3237	48	29	theoretical	theoretical	ADJ
fsr-3237	48	30	underpinnings	underpinning	NOUN
fsr-3237	48	31	of	of	ADP
fsr-3237	48	32	their	their	PRON
fsr-3237	48	33	work	work	NOUN
fsr-3237	48	34	.	.	PUNCT
fsr-3237	49	1	we	we	PRON
fsr-3237	49	2	find	find	VERB
fsr-3237	49	3	that	that	SCONJ
fsr-3237	49	4	the	the	DET
fsr-3237	49	5	experiential	experiential	ADJ
fsr-3237	49	6	learning	learning	NOUN
fsr-3237	49	7	theory	theory	NOUN
fsr-3237	49	8	(	(	PUNCT
fsr-3237	49	9	elt	elt	PROPN
fsr-3237	49	10	)	)	PUNCT
fsr-3237	49	11	by	by	ADP
fsr-3237	49	12	kolb	kolb	PROPN
fsr-3237	49	13	(	(	PUNCT
fsr-3237	49	14	1984	1984	NUM
fsr-3237	49	15	)	)	PUNCT
fsr-3237	49	16	in	in	ADP
fsr-3237	49	17	education	education	NOUN
fsr-3237	49	18	research	research	NOUN
fsr-3237	49	19	literature	literature	NOUN
fsr-3237	49	20	can	can	AUX
fsr-3237	49	21	help	help	VERB
fsr-3237	49	22	us	we	PRON
fsr-3237	49	23	fill	fill	VERB
fsr-3237	49	24	the	the	DET
fsr-3237	49	25	gap	gap	NOUN
fsr-3237	49	26	and	and	CCONJ
fsr-3237	49	27	we	we	PRON
fsr-3237	49	28	use	use	VERB
fsr-3237	49	29	it	it	PRON
fsr-3237	49	30	to	to	PART
fsr-3237	49	31	guide	guide	VERB
fsr-3237	49	32	our	our	PRON
fsr-3237	49	33	study	study	NOUN
fsr-3237	49	34	.	.	PUNCT
fsr-3237	50	1	to	to	ADP
fsr-3237	50	2	our	our	PRON
fsr-3237	50	3	knowledge	knowledge	NOUN
fsr-3237	50	4	,	,	PUNCT
fsr-3237	50	5	this	this	PRON
fsr-3237	50	6	is	be	AUX
fsr-3237	50	7	the	the	DET
fsr-3237	50	8	first	first	ADJ
fsr-3237	50	9	study	study	NOUN
fsr-3237	50	10	to	to	PART
fsr-3237	50	11	use	use	VERB
fsr-3237	50	12	this	this	DET
fsr-3237	50	13	theory	theory	NOUN
fsr-3237	50	14	to	to	PART
fsr-3237	50	15	explain	explain	VERB
fsr-3237	50	16	the	the	DET
fsr-3237	50	17	acquisition	acquisition	NOUN
fsr-3237	50	18	of	of	ADP
fsr-3237	50	19	financial	financial	ADJ
fsr-3237	50	20	knowledge	knowledge	NOUN
fsr-3237	50	21	.	.	PUNCT
fsr-3237	51	1	according	accord	VERB
fsr-3237	51	2	to	to	ADP
fsr-3237	51	3	this	this	DET
fsr-3237	51	4	model	model	NOUN
fsr-3237	51	5	,	,	PUNCT
fsr-3237	51	6	an	an	DET
fsr-3237	51	7	individual	individual	NOUN
fsr-3237	51	8	acquires	acquire	VERB
fsr-3237	51	9	knowledge	knowledge	NOUN
fsr-3237	51	10	through	through	ADP
fsr-3237	51	11	experiences	experience	NOUN
fsr-3237	51	12	(	(	PUNCT
fsr-3237	51	13	e.g.	e.g.	ADV
fsr-3237	51	14	,	,	PUNCT
fsr-3237	51	15	owning	own	VERB
fsr-3237	51	16	a	a	DET
fsr-3237	51	17	stock	stock	NOUN
fsr-3237	51	18	or	or	CCONJ
fsr-3237	51	19	bond	bond	NOUN
fsr-3237	51	20	)	)	PUNCT
fsr-3237	51	21	,	,	PUNCT
fsr-3237	51	22	observations	observation	NOUN
fsr-3237	51	23	(	(	PUNCT
fsr-3237	51	24	e.g.	e.g.	ADV
fsr-3237	51	25	,	,	PUNCT
fsr-3237	51	26	having	have	VERB
fsr-3237	51	27	parents	parent	NOUN
fsr-3237	51	28	with	with	ADP
fsr-3237	51	29	financial	financial	ADJ
fsr-3237	51	30	experience	experience	NOUN
fsr-3237	51	31	)	)	PUNCT
fsr-3237	51	32	,	,	PUNCT
fsr-3237	51	33	and	and	CCONJ
fsr-3237	51	34	conceptualizations	conceptualization	NOUN
fsr-3237	51	35	(	(	PUNCT
fsr-3237	51	36	e.g.	e.g.	ADV
fsr-3237	51	37	,	,	PUNCT
fsr-3237	51	38	receiving	receive	VERB
fsr-3237	51	39	formal	formal	ADJ
fsr-3237	51	40	financial	financial	ADJ
fsr-3237	51	41	education	education	NOUN
fsr-3237	51	42	)	)	PUNCT
fsr-3237	51	43	and	and	CCONJ
fsr-3237	51	44	then	then	ADV
fsr-3237	51	45	tests	test	VERB
fsr-3237	51	46	that	that	SCONJ
fsr-3237	51	47	knowledge	knowledge	NOUN
fsr-3237	51	48	through	through	ADP
fsr-3237	51	49	active	active	ADJ
fsr-3237	51	50	experimentation	experimentation	NOUN
fsr-3237	51	51	(	(	PUNCT
fsr-3237	51	52	e.g.	e.g.	ADV
fsr-3237	51	53	,	,	PUNCT
fsr-3237	51	54	practice	practice	NOUN
fsr-3237	51	55	over	over	ADP
fsr-3237	51	56	time	time	NOUN
fsr-3237	51	57	)	)	PUNCT
fsr-3237	51	58	,	,	PUNCT
fsr-3237	51	59	which	which	PRON
fsr-3237	51	60	results	result	VERB
fsr-3237	51	61	in	in	ADP
fsr-3237	51	62	new	new	ADJ
fsr-3237	51	63	experiences	experience	NOUN
fsr-3237	51	64	.	.	PUNCT
fsr-3237	52	1	kolb	kolb	PROPN
fsr-3237	52	2	’s	’s	PART
fsr-3237	52	3	model	model	NOUN
fsr-3237	52	4	implies	imply	VERB
fsr-3237	52	5	the	the	DET
fsr-3237	52	6	importance	importance	NOUN
fsr-3237	52	7	of	of	ADP
fsr-3237	52	8	experience	experience	NOUN
fsr-3237	52	9	and	and	CCONJ
fsr-3237	52	10	reflective	reflective	ADJ
fsr-3237	52	11	observation	observation	NOUN
fsr-3237	52	12	with	with	ADP
fsr-3237	52	13	the	the	DET
fsr-3237	52	14	phenomena	phenomenon	NOUN
fsr-3237	52	15	being	be	AUX
fsr-3237	52	16	studied	study	VERB
fsr-3237	52	17	rather	rather	ADV
fsr-3237	52	18	than	than	ADP
fsr-3237	52	19	merely	merely	ADV
fsr-3237	52	20	conceptualizing	conceptualize	VERB
fsr-3237	52	21	it	it	PRON
fsr-3237	52	22	.	.	PUNCT
fsr-3237	53	1	when	when	SCONJ
fsr-3237	53	2	taken	take	VERB
fsr-3237	53	3	as	as	ADP
fsr-3237	53	4	a	a	DET
fsr-3237	53	5	comprehensive	comprehensive	ADJ
fsr-3237	53	6	theoretical	theoretical	ADJ
fsr-3237	53	7	framework	framework	NOUN
fsr-3237	53	8	,	,	PUNCT
fsr-3237	53	9	elt	elt	PROPN
fsr-3237	53	10	can	can	AUX
fsr-3237	53	11	be	be	AUX
fsr-3237	53	12	used	use	VERB
fsr-3237	53	13	to	to	PART
fsr-3237	53	14	explore	explore	VERB
fsr-3237	53	15	learning	learning	NOUN
fsr-3237	53	16	processes	process	NOUN
fsr-3237	53	17	and	and	CCONJ
fsr-3237	53	18	educational	educational	ADJ
fsr-3237	53	19	issues	issue	NOUN
fsr-3237	53	20	in	in	ADP
fsr-3237	53	21	various	various	ADJ
fsr-3237	53	22	disciplines	discipline	NOUN
fsr-3237	53	23	such	such	ADJ
fsr-3237	53	24	as	as	ADP
fsr-3237	53	25	education	education	NOUN
fsr-3237	53	26	,	,	PUNCT
fsr-3237	53	27	management	management	NOUN
fsr-3237	53	28	,	,	PUNCT
fsr-3237	53	29	computer	computer	NOUN
fsr-3237	53	30	and	and	CCONJ
fsr-3237	53	31	information	information	NOUN
fsr-3237	53	32	sciences	science	NOUN
fsr-3237	53	33	,	,	PUNCT
fsr-3237	53	34	psychology	psychology	NOUN
fsr-3237	53	35	,	,	PUNCT
fsr-3237	53	36	medicine	medicine	NOUN
fsr-3237	53	37	,	,	PUNCT
fsr-3237	53	38	nursing	nursing	NOUN
fsr-3237	53	39	,	,	PUNCT
fsr-3237	53	40	accounting	accounting	NOUN
fsr-3237	53	41	,	,	PUNCT
fsr-3237	53	42	and	and	CCONJ
fsr-3237	53	43	law	law	NOUN
fsr-3237	53	44	(	(	PUNCT
fsr-3237	53	45	see	see	VERB
fsr-3237	53	46	kolb	kolb	PROPN
fsr-3237	53	47	,	,	PUNCT
fsr-3237	53	48	boyatzis	boyatzis	NOUN
fsr-3237	53	49	,	,	PUNCT
fsr-3237	53	50	and	and	CCONJ
fsr-3237	53	51	mainemelis	mainemeli	NOUN
fsr-3237	53	52	,	,	PUNCT
fsr-3237	53	53	1999	1999	NUM
fsr-3237	53	54	for	for	ADP
fsr-3237	53	55	a	a	DET
fsr-3237	53	56	review	review	NOUN
fsr-3237	53	57	)	)	PUNCT
fsr-3237	53	58	.	.	PUNCT
fsr-3237	54	1	perplexingly	perplexingly	ADV
fsr-3237	54	2	,	,	PUNCT
fsr-3237	54	3	no	no	DET
fsr-3237	54	4	study	study	NOUN
fsr-3237	54	5	to	to	ADP
fsr-3237	54	6	our	our	PRON
fsr-3237	54	7	knowledge	knowledge	NOUN
fsr-3237	54	8	has	have	AUX
fsr-3237	54	9	suggested	suggest	VERB
fsr-3237	54	10	the	the	DET
fsr-3237	54	11	possible	possible	ADJ
fsr-3237	54	12	application	application	NOUN
fsr-3237	54	13	of	of	ADP
fsr-3237	54	14	elt	elt	NOUN
fsr-3237	54	15	to	to	ADP
fsr-3237	54	16	financial	financial	ADJ
fsr-3237	54	17	knowledge	knowledge	NOUN
fsr-3237	54	18	acquisition	acquisition	NOUN
fsr-3237	54	19	.	.	PUNCT
fsr-3237	55	1	this	this	DET
fsr-3237	55	2	research	research	NOUN
fsr-3237	55	3	adopts	adopt	VERB
fsr-3237	55	4	kolb	kolb	PROPN
fsr-3237	55	5	’s	’s	PART
fsr-3237	55	6	elt	elt	PROPN
fsr-3237	55	7	model	model	NOUN
fsr-3237	55	8	to	to	ADP
fsr-3237	55	9	financial	financial	ADJ
fsr-3237	55	10	knowledge	knowledge	NOUN
fsr-3237	55	11	acquisition	acquisition	NOUN
fsr-3237	55	12	and	and	CCONJ
fsr-3237	55	13	explores	explore	VERB
fsr-3237	55	14	the	the	DET
fsr-3237	55	15	determinants	determinant	NOUN
fsr-3237	55	16	that	that	PRON
fsr-3237	55	17	may	may	AUX
fsr-3237	55	18	have	have	VERB
fsr-3237	55	19	an	an	DET
fsr-3237	55	20	impact	impact	NOUN
fsr-3237	55	21	on	on	ADP
fsr-3237	55	22	financial	financial	ADJ
fsr-3237	55	23	knowledge	knowledge	NOUN
fsr-3237	55	24	.	.	PUNCT
fsr-3237	56	1	conceptualizations	conceptualization	NOUN
fsr-3237	56	2	,	,	PUNCT
fsr-3237	56	3	such	such	ADJ
fsr-3237	56	4	as	as	ADP
fsr-3237	56	5	financial	financial	ADJ
fsr-3237	56	6	education	education	NOUN
fsr-3237	56	7	acquired	acquire	VERB
fsr-3237	56	8	in	in	ADP
fsr-3237	56	9	the	the	DET
fsr-3237	56	10	classroom	classroom	NOUN
fsr-3237	56	11	,	,	PUNCT
fsr-3237	56	12	as	as	ADV
fsr-3237	56	13	well	well	ADV
fsr-3237	56	14	as	as	ADP
fsr-3237	56	15	experiences	experience	NOUN
fsr-3237	56	16	and	and	CCONJ
fsr-3237	56	17	observations	observation	NOUN
fsr-3237	56	18	,	,	PUNCT
fsr-3237	56	19	such	such	ADJ
fsr-3237	56	20	as	as	ADP
fsr-3237	56	21	the	the	DET
fsr-3237	56	22	ones	one	NOUN
fsr-3237	56	23	acquired	acquire	VERB
fsr-3237	56	24	through	through	ADP
fsr-3237	56	25	personal	personal	ADJ
fsr-3237	56	26	and	and	CCONJ
fsr-3237	56	27	parents	parent	NOUN
fsr-3237	56	28	’	’	PART
fsr-3237	56	29	financial	financial	ADJ
fsr-3237	56	30	experience	experience	NOUN
fsr-3237	56	31	,	,	PUNCT
fsr-3237	56	32	may	may	AUX
fsr-3237	56	33	all	all	PRON
fsr-3237	56	34	121n	121n	PROPN
fsr-3237	56	35	.	.	PUNCT
fsr-3237	57	1	tang	tang	PROPN
fsr-3237	57	2	,	,	PUNCT
fsr-3237	57	3	p.c	p.c	PROPN
fsr-3237	57	4	.	.	PROPN
fsr-3237	57	5	peter	peter	PROPN
fsr-3237	57	6	/	/	SYM
fsr-3237	57	7	financial	financial	ADJ
fsr-3237	57	8	services	service	NOUN
fsr-3237	57	9	review	review	VERB
fsr-3237	57	10	24	24	NUM
fsr-3237	57	11	(	(	PUNCT
fsr-3237	57	12	2015	2015	NUM
fsr-3237	57	13	)	)	PUNCT
fsr-3237	57	14	119–137	119–137	NUM
fsr-3237	57	15	influence	influence	NOUN
fsr-3237	57	16	financial	financial	ADJ
fsr-3237	57	17	knowledge	knowledge	NOUN
fsr-3237	57	18	acquisition	acquisition	NOUN
fsr-3237	57	19	.	.	PUNCT
fsr-3237	58	1	moreover	moreover	ADV
fsr-3237	58	2	,	,	PUNCT
fsr-3237	58	3	we	we	PRON
fsr-3237	58	4	extend	extend	VERB
fsr-3237	58	5	this	this	DET
fsr-3237	58	6	model	model	NOUN
fsr-3237	58	7	by	by	ADP
fsr-3237	58	8	considering	consider	VERB
fsr-3237	58	9	the	the	DET
fsr-3237	58	10	influence	influence	NOUN
fsr-3237	58	11	of	of	ADP
fsr-3237	58	12	financial	financial	ADJ
fsr-3237	58	13	experience	experience	NOUN
fsr-3237	58	14	and	and	CCONJ
fsr-3237	58	15	parents	parent	NOUN
fsr-3237	58	16	’	’	PART
fsr-3237	58	17	financial	financial	ADJ
fsr-3237	58	18	experience	experience	NOUN
fsr-3237	58	19	on	on	ADP
fsr-3237	58	20	the	the	DET
fsr-3237	58	21	effects	effect	NOUN
fsr-3237	58	22	of	of	ADP
fsr-3237	58	23	financial	financial	ADJ
fsr-3237	58	24	education	education	NOUN
fsr-3237	58	25	on	on	ADP
fsr-3237	58	26	financial	financial	ADJ
fsr-3237	58	27	knowledge	knowledge	NOUN
fsr-3237	58	28	acquisition	acquisition	NOUN
fsr-3237	58	29	.	.	PUNCT
fsr-3237	59	1	fig	fig	NOUN
fsr-3237	59	2	.	.	PUNCT
fsr-3237	60	1	1	1	NUM
fsr-3237	60	2	offers	offer	VERB
fsr-3237	60	3	an	an	DET
fsr-3237	60	4	illustration	illustration	NOUN
fsr-3237	60	5	of	of	ADP
fsr-3237	60	6	kolb	kolb	PROPN
fsr-3237	60	7	’s	’s	PART
fsr-3237	60	8	theoretical	theoretical	ADJ
fsr-3237	60	9	learning	learning	NOUN
fsr-3237	60	10	model	model	NOUN
fsr-3237	60	11	adapted	adapt	VERB
fsr-3237	60	12	to	to	ADP
fsr-3237	60	13	the	the	DET
fsr-3237	60	14	financial	financial	ADJ
fsr-3237	60	15	knowledge	knowledge	NOUN
fsr-3237	60	16	acquisition	acquisition	NOUN
fsr-3237	60	17	process	process	NOUN
fsr-3237	60	18	.	.	PUNCT
fsr-3237	61	1	the	the	DET
fsr-3237	61	2	focus	focus	NOUN
fsr-3237	61	3	of	of	ADP
fsr-3237	61	4	our	our	PRON
fsr-3237	61	5	research	research	NOUN
fsr-3237	61	6	is	be	AUX
fsr-3237	61	7	to	to	PART
fsr-3237	61	8	select	select	VERB
fsr-3237	61	9	proxy	proxy	ADJ
fsr-3237	61	10	measures	measure	NOUN
fsr-3237	61	11	or	or	CCONJ
fsr-3237	61	12	examples	example	NOUN
fsr-3237	61	13	for	for	ADP
fsr-3237	61	14	“	"	PUNCT
fsr-3237	61	15	financial	financial	ADJ
fsr-3237	61	16	education	education	NOUN
fsr-3237	61	17	,	,	PUNCT
fsr-3237	61	18	”	"	PUNCT
fsr-3237	61	19	“	"	PUNCT
fsr-3237	61	20	financial	financial	ADJ
fsr-3237	61	21	experience	experience	NOUN
fsr-3237	61	22	,	,	PUNCT
fsr-3237	61	23	”	"	PUNCT
fsr-3237	61	24	and	and	CCONJ
fsr-3237	61	25	“	"	PUNCT
fsr-3237	61	26	parents	parent	NOUN
fsr-3237	61	27	’	'	PUNCT
fsr-3237	61	28	financial	financial	ADJ
fsr-3237	61	29	experience	experience	NOUN
fsr-3237	61	30	”	"	PUNCT
fsr-3237	61	31	components	component	NOUN
fsr-3237	61	32	,	,	PUNCT
fsr-3237	61	33	and	and	CCONJ
fsr-3237	61	34	use	use	VERB
fsr-3237	61	35	empirical	empirical	ADJ
fsr-3237	61	36	data	datum	NOUN
fsr-3237	61	37	to	to	PART
fsr-3237	61	38	validate	validate	VERB
fsr-3237	61	39	the	the	DET
fsr-3237	61	40	hypothesized	hypothesized	ADJ
fsr-3237	61	41	financial	financial	ADJ
fsr-3237	61	42	knowledge	knowledge	NOUN
fsr-3237	61	43	acquisition	acquisition	NOUN
fsr-3237	61	44	framework	framework	NOUN
fsr-3237	61	45	.	.	PUNCT
fsr-3237	62	1	2.1	2.1	NUM
fsr-3237	62	2	.	.	PUNCT
fsr-3237	62	3	financial	financial	ADJ
fsr-3237	62	4	education	education	NOUN
fsr-3237	62	5	according	accord	VERB
fsr-3237	62	6	to	to	ADP
fsr-3237	62	7	the	the	DET
fsr-3237	62	8	elt	elt	NOUN
fsr-3237	62	9	model	model	NOUN
fsr-3237	62	10	,	,	PUNCT
fsr-3237	62	11	coursework	coursework	NOUN
fsr-3237	62	12	at	at	ADP
fsr-3237	62	13	school	school	NOUN
fsr-3237	62	14	is	be	AUX
fsr-3237	62	15	the	the	DET
fsr-3237	62	16	major	major	ADJ
fsr-3237	62	17	source	source	NOUN
fsr-3237	62	18	of	of	ADP
fsr-3237	62	19	conceptualization	conceptualization	NOUN
fsr-3237	62	20	learning	learn	VERB
fsr-3237	62	21	in	in	ADP
fsr-3237	62	22	the	the	DET
fsr-3237	62	23	current	current	ADJ
fsr-3237	62	24	education	education	NOUN
fsr-3237	62	25	system	system	NOUN
fsr-3237	62	26	.	.	PUNCT
fsr-3237	63	1	therefore	therefore	ADV
fsr-3237	63	2	,	,	PUNCT
fsr-3237	63	3	financial	financial	ADJ
fsr-3237	63	4	education	education	NOUN
fsr-3237	63	5	is	be	AUX
fsr-3237	63	6	expected	expect	VERB
fsr-3237	63	7	to	to	PART
fsr-3237	63	8	exert	exert	VERB
fsr-3237	63	9	a	a	DET
fsr-3237	63	10	positive	positive	ADJ
fsr-3237	63	11	impact	impact	NOUN
fsr-3237	63	12	on	on	ADP
fsr-3237	63	13	financial	financial	ADJ
fsr-3237	63	14	knowledge	knowledge	NOUN
fsr-3237	63	15	.	.	PUNCT
fsr-3237	64	1	a	a	DET
fsr-3237	64	2	burgeoning	burgeon	VERB
fsr-3237	64	3	collection	collection	NOUN
fsr-3237	64	4	of	of	ADP
fsr-3237	64	5	literature	literature	NOUN
fsr-3237	64	6	has	have	AUX
fsr-3237	64	7	assessed	assess	VERB
fsr-3237	64	8	how	how	SCONJ
fsr-3237	64	9	well	well	ADV
fsr-3237	64	10	financial	financial	ADJ
fsr-3237	64	11	education	education	NOUN
fsr-3237	64	12	actually	actually	ADV
fsr-3237	64	13	improves	improve	VERB
fsr-3237	64	14	financial	financial	ADJ
fsr-3237	64	15	knowledge	knowledge	NOUN
fsr-3237	64	16	,	,	PUNCT
fsr-3237	64	17	but	but	CCONJ
fsr-3237	64	18	findings	finding	NOUN
fsr-3237	64	19	are	be	AUX
fsr-3237	64	20	not	not	PART
fsr-3237	64	21	conclusive	conclusive	ADJ
fsr-3237	64	22	.	.	PUNCT
fsr-3237	65	1	some	some	DET
fsr-3237	65	2	research	research	NOUN
fsr-3237	65	3	shows	show	VERB
fsr-3237	65	4	financial	financial	ADJ
fsr-3237	65	5	education	education	NOUN
fsr-3237	65	6	has	have	VERB
fsr-3237	65	7	a	a	DET
fsr-3237	65	8	positive	positive	ADJ
fsr-3237	65	9	effect	effect	NOUN
fsr-3237	65	10	on	on	ADP
fsr-3237	65	11	financial	financial	ADJ
fsr-3237	65	12	knowledge	knowledge	NOUN
fsr-3237	65	13	(	(	PUNCT
fsr-3237	65	14	see	see	VERB
fsr-3237	65	15	,	,	PUNCT
fsr-3237	65	16	e.g.	e.g.	ADV
fsr-3237	65	17	,	,	PUNCT
fsr-3237	65	18	danes	dane	NOUN
fsr-3237	65	19	,	,	PUNCT
fsr-3237	65	20	huddlestoncasas	huddlestoncasa	NOUN
fsr-3237	65	21	,	,	PUNCT
fsr-3237	65	22	and	and	CCONJ
fsr-3237	65	23	boyce	boyce	PROPN
fsr-3237	65	24	,	,	PUNCT
fsr-3237	65	25	1999	1999	NUM
fsr-3237	65	26	;	;	PUNCT
fsr-3237	65	27	tennyson	tennyson	NOUN
fsr-3237	65	28	and	and	CCONJ
fsr-3237	65	29	nguyen	nguyen	PROPN
fsr-3237	65	30	,	,	PUNCT
fsr-3237	65	31	2001	2001	NUM
fsr-3237	65	32	)	)	PUNCT
fsr-3237	65	33	.	.	PUNCT
fsr-3237	66	1	other	other	ADJ
fsr-3237	66	2	studies	study	NOUN
fsr-3237	66	3	find	find	VERB
fsr-3237	66	4	no	no	DET
fsr-3237	66	5	significant	significant	ADJ
fsr-3237	66	6	effect	effect	NOUN
fsr-3237	66	7	(	(	PUNCT
fsr-3237	66	8	e.g.	e.g.	ADV
fsr-3237	66	9	,	,	PUNCT
fsr-3237	66	10	mandell	mandell	PROPN
fsr-3237	66	11	,	,	PUNCT
fsr-3237	66	12	2009	2009	NUM
fsr-3237	66	13	)	)	PUNCT
fsr-3237	66	14	.	.	PUNCT
fsr-3237	67	1	lyons	lyons	PROPN
fsr-3237	67	2	,	,	PUNCT
fsr-3237	67	3	rachlis	rachli	NOUN
fsr-3237	67	4	,	,	PUNCT
fsr-3237	67	5	and	and	CCONJ
fsr-3237	67	6	scherpf	scherpf	NOUN
fsr-3237	67	7	(	(	PUNCT
fsr-3237	67	8	2007	2007	NUM
fsr-3237	67	9	)	)	PUNCT
fsr-3237	67	10	conclude	conclude	VERB
fsr-3237	67	11	that	that	SCONJ
fsr-3237	67	12	the	the	DET
fsr-3237	67	13	discrepancy	discrepancy	NOUN
fsr-3237	67	14	in	in	ADP
fsr-3237	67	15	mixed	mixed	ADJ
fsr-3237	67	16	results	result	NOUN
fsr-3237	67	17	regarding	regard	VERB
fsr-3237	67	18	financial	financial	ADJ
fsr-3237	67	19	education	education	NOUN
fsr-3237	67	20	effectiveness	effectiveness	NOUN
fsr-3237	67	21	is	be	AUX
fsr-3237	67	22	because	because	SCONJ
fsr-3237	67	23	of	of	ADP
fsr-3237	67	24	differences	difference	NOUN
fsr-3237	67	25	in	in	ADP
fsr-3237	67	26	the	the	DET
fsr-3237	67	27	programs	program	NOUN
fsr-3237	67	28	various	various	ADJ
fsr-3237	67	29	researchers	researcher	NOUN
fsr-3237	67	30	evaluated	evaluate	VERB
fsr-3237	67	31	and	and	CCONJ
fsr-3237	67	32	in	in	ADP
fsr-3237	67	33	the	the	DET
fsr-3237	67	34	methods	method	NOUN
fsr-3237	67	35	they	they	PRON
fsr-3237	67	36	used	use	VERB
fsr-3237	67	37	to	to	PART
fsr-3237	67	38	evaluate	evaluate	VERB
fsr-3237	67	39	those	those	DET
fsr-3237	67	40	programs	program	NOUN
fsr-3237	67	41	,	,	PUNCT
fsr-3237	67	42	or	or	CCONJ
fsr-3237	67	43	differences	difference	NOUN
fsr-3237	67	44	in	in	ADP
fsr-3237	67	45	what	what	PRON
fsr-3237	67	46	was	be	AUX
fsr-3237	67	47	measured	measure	VERB
fsr-3237	67	48	and	and	CCONJ
fsr-3237	67	49	how	how	SCONJ
fsr-3237	67	50	.	.	PUNCT
fsr-3237	68	1	for	for	ADP
fsr-3237	68	2	example	example	NOUN
fsr-3237	68	3	,	,	PUNCT
fsr-3237	68	4	self	self	NOUN
fsr-3237	68	5	-	-	PUNCT
fsr-3237	68	6	reported	report	VERB
fsr-3237	68	7	financial	financial	ADJ
fsr-3237	68	8	education	education	NOUN
fsr-3237	68	9	exposure	exposure	NOUN
fsr-3237	68	10	measures	measure	NOUN
fsr-3237	68	11	might	might	AUX
fsr-3237	68	12	lead	lead	VERB
fsr-3237	68	13	different	different	ADJ
fsr-3237	68	14	results	result	NOUN
fsr-3237	68	15	than	than	ADP
fsr-3237	68	16	college	college	NOUN
fsr-3237	68	17	major	major	ADJ
fsr-3237	68	18	measures	measure	NOUN
fsr-3237	68	19	,	,	PUNCT
fsr-3237	68	20	which	which	PRON
fsr-3237	68	21	seem	seem	VERB
fsr-3237	68	22	to	to	PART
fsr-3237	68	23	be	be	AUX
fsr-3237	68	24	less	less	ADV
fsr-3237	68	25	prone	prone	ADJ
fsr-3237	68	26	to	to	ADP
fsr-3237	68	27	selection	selection	NOUN
fsr-3237	68	28	bias	bias	NOUN
fsr-3237	68	29	.	.	PUNCT
fsr-3237	69	1	to	to	PART
fsr-3237	69	2	address	address	VERB
fsr-3237	69	3	this	this	DET
fsr-3237	69	4	issue	issue	NOUN
fsr-3237	69	5	,	,	PUNCT
fsr-3237	69	6	this	this	DET
fsr-3237	69	7	article	article	NOUN
fsr-3237	69	8	uses	use	VERB
fsr-3237	69	9	college	college	NOUN
fsr-3237	69	10	major	major	ADJ
fsr-3237	69	11	to	to	PART
fsr-3237	69	12	measure	measure	VERB
fsr-3237	69	13	financial	financial	ADJ
fsr-3237	69	14	education	education	NOUN
fsr-3237	69	15	exposure	exposure	NOUN
fsr-3237	69	16	,	,	PUNCT
fsr-3237	69	17	which	which	PRON
fsr-3237	69	18	is	be	AUX
fsr-3237	69	19	less	less	ADV
fsr-3237	69	20	prone	prone	ADJ
fsr-3237	69	21	to	to	ADP
fsr-3237	69	22	selection	selection	NOUN
fsr-3237	69	23	bias	bias	NOUN
fsr-3237	69	24	;	;	PUNCT
fsr-3237	69	25	it	it	PRON
fsr-3237	69	26	also	also	ADV
fsr-3237	69	27	considers	consider	VERB
fsr-3237	69	28	the	the	DET
fsr-3237	69	29	concurrent	concurrent	ADJ
fsr-3237	69	30	roles	role	NOUN
fsr-3237	69	31	of	of	ADP
fsr-3237	69	32	subjects	subject	NOUN
fsr-3237	69	33	’	'	PUNCT
fsr-3237	69	34	financial	financial	ADJ
fsr-3237	69	35	experience	experience	NOUN
fsr-3237	69	36	and	and	CCONJ
fsr-3237	69	37	their	their	PRON
fsr-3237	69	38	parents	parent	NOUN
fsr-3237	69	39	’	’	PART
fsr-3237	69	40	financial	financial	ADJ
fsr-3237	69	41	experience	experience	NOUN
fsr-3237	69	42	to	to	PART
fsr-3237	69	43	evaluate	evaluate	VERB
fsr-3237	69	44	the	the	DET
fsr-3237	69	45	effect	effect	NOUN
fsr-3237	69	46	of	of	ADP
fsr-3237	69	47	formal	formal	ADJ
fsr-3237	69	48	financial	financial	ADJ
fsr-3237	69	49	education	education	NOUN
fsr-3237	69	50	at	at	ADP
fsr-3237	69	51	school	school	NOUN
fsr-3237	69	52	,	,	PUNCT
fsr-3237	69	53	which	which	PRON
fsr-3237	69	54	we	we	PRON
fsr-3237	69	55	hypothesize	hypothesize	VERB
fsr-3237	69	56	has	have	VERB
fsr-3237	69	57	a	a	DET
fsr-3237	69	58	positive	positive	ADJ
fsr-3237	69	59	effect	effect	NOUN
fsr-3237	69	60	on	on	ADP
fsr-3237	69	61	financial	financial	ADJ
fsr-3237	69	62	knowledge	knowledge	NOUN
fsr-3237	69	63	.	.	PUNCT
fsr-3237	70	1	thus	thus	ADV
fsr-3237	70	2	:	:	PUNCT
fsr-3237	70	3	hypothesis	hypothesis	NOUN
fsr-3237	70	4	1	1	NUM
fsr-3237	70	5	:	:	PUNCT
fsr-3237	70	6	young	young	ADJ
fsr-3237	70	7	adults	adult	NOUN
fsr-3237	70	8	should	should	AUX
fsr-3237	70	9	have	have	VERB
fsr-3237	70	10	higher	high	ADJ
fsr-3237	70	11	level	level	NOUN
fsr-3237	70	12	of	of	ADP
fsr-3237	70	13	financial	financial	ADJ
fsr-3237	70	14	knowledge	knowledge	NOUN
fsr-3237	70	15	if	if	SCONJ
fsr-3237	70	16	they	they	PRON
fsr-3237	70	17	fig	fig	VERB
fsr-3237	70	18	.	.	PUNCT
fsr-3237	71	1	1	1	X
fsr-3237	71	2	.	.	X
fsr-3237	71	3	hypothesized	hypothesize	VERB
fsr-3237	71	4	financial	financial	ADJ
fsr-3237	71	5	knowledge	knowledge	NOUN
fsr-3237	71	6	acquisition	acquisition	NOUN
fsr-3237	71	7	framework	framework	NOUN
fsr-3237	71	8	.	.	PUNCT
fsr-3237	72	1	122	122	NUM
fsr-3237	72	2	n.	n.	PROPN
fsr-3237	72	3	tang	tang	PROPN
fsr-3237	72	4	,	,	PUNCT
fsr-3237	72	5	p.c	p.c	PROPN
fsr-3237	72	6	.	.	PROPN
fsr-3237	72	7	peter	peter	PROPN
fsr-3237	72	8	/	/	SYM
fsr-3237	72	9	financial	financial	ADJ
fsr-3237	72	10	services	service	NOUN
fsr-3237	72	11	review	review	VERB
fsr-3237	72	12	24	24	NUM
fsr-3237	72	13	(	(	PUNCT
fsr-3237	72	14	2015	2015	NUM
fsr-3237	72	15	)	)	PUNCT
fsr-3237	72	16	119–137	119–137	NUM
fsr-3237	72	17	possess	possess	VERB
fsr-3237	72	18	higher	high	ADJ
fsr-3237	72	19	financial	financial	ADJ
fsr-3237	72	20	education	education	NOUN
fsr-3237	72	21	considering	consider	VERB
fsr-3237	72	22	the	the	DET
fsr-3237	72	23	concurrent	concurrent	ADJ
fsr-3237	72	24	roles	role	NOUN
fsr-3237	72	25	of	of	ADP
fsr-3237	72	26	financial	financial	ADJ
fsr-3237	72	27	experience	experience	NOUN
fsr-3237	72	28	and	and	CCONJ
fsr-3237	72	29	parents	parent	NOUN
fsr-3237	72	30	’	’	PART
fsr-3237	72	31	financial	financial	ADJ
fsr-3237	72	32	experience	experience	NOUN
fsr-3237	72	33	.	.	PUNCT
fsr-3237	73	1	2.2	2.2	NUM
fsr-3237	73	2	.	.	PUNCT
fsr-3237	73	3	financial	financial	ADJ
fsr-3237	73	4	experience	experience	NOUN
fsr-3237	73	5	in	in	ADP
fsr-3237	73	6	the	the	DET
fsr-3237	73	7	2001	2001	NUM
fsr-3237	73	8	surveys	survey	NOUN
fsr-3237	73	9	of	of	ADP
fsr-3237	73	10	consumers	consumer	NOUN
fsr-3237	73	11	,	,	PUNCT
fsr-3237	73	12	respondents	respondent	NOUN
fsr-3237	73	13	reported	report	VERB
fsr-3237	73	14	personal	personal	ADJ
fsr-3237	73	15	financial	financial	ADJ
fsr-3237	73	16	experience	experience	NOUN
fsr-3237	73	17	as	as	ADP
fsr-3237	73	18	the	the	DET
fsr-3237	73	19	most	most	ADV
fsr-3237	73	20	important	important	ADJ
fsr-3237	73	21	way	way	NOUN
fsr-3237	73	22	they	they	PRON
fsr-3237	73	23	had	have	AUX
fsr-3237	73	24	learned	learn	VERB
fsr-3237	73	25	cash	cash	NOUN
fsr-3237	73	26	-	-	PUNCT
fsr-3237	73	27	flow	flow	NOUN
fsr-3237	73	28	management	management	NOUN
fsr-3237	73	29	,	,	PUNCT
fsr-3237	73	30	credit	credit	NOUN
fsr-3237	73	31	management	management	NOUN
fsr-3237	73	32	,	,	PUNCT
fsr-3237	73	33	saving	saving	NOUN
fsr-3237	73	34	,	,	PUNCT
fsr-3237	73	35	and	and	CCONJ
fsr-3237	73	36	investment	investment	NOUN
fsr-3237	73	37	practices	practice	NOUN
fsr-3237	73	38	(	(	PUNCT
fsr-3237	73	39	hilgert	hilgert	PROPN
fsr-3237	73	40	,	,	PUNCT
fsr-3237	73	41	hogarth	hogarth	NOUN
fsr-3237	73	42	,	,	PUNCT
fsr-3237	73	43	and	and	CCONJ
fsr-3237	73	44	beverly	beverly	ADV
fsr-3237	73	45	,	,	PUNCT
fsr-3237	73	46	2003	2003	NUM
fsr-3237	73	47	)	)	PUNCT
fsr-3237	73	48	.	.	PUNCT
fsr-3237	74	1	lyons	lyons	PROPN
fsr-3237	74	2	,	,	PUNCT
fsr-3237	74	3	rachlis	rachli	NOUN
fsr-3237	74	4	,	,	PUNCT
fsr-3237	74	5	and	and	CCONJ
fsr-3237	74	6	scherpf	scherpf	NOUN
fsr-3237	74	7	(	(	PUNCT
fsr-3237	74	8	2007	2007	NUM
fsr-3237	74	9	)	)	PUNCT
fsr-3237	74	10	further	far	ADV
fsr-3237	74	11	confirm	confirm	VERB
fsr-3237	74	12	that	that	SCONJ
fsr-3237	74	13	personal	personal	ADJ
fsr-3237	74	14	experience	experience	NOUN
fsr-3237	74	15	impacts	impact	VERB
fsr-3237	74	16	financial	financial	ADJ
fsr-3237	74	17	knowledge	knowledge	NOUN
fsr-3237	74	18	of	of	ADP
fsr-3237	74	19	credit	credit	NOUN
fsr-3237	74	20	and	and	CCONJ
fsr-3237	74	21	debt	debt	NOUN
fsr-3237	74	22	management	management	NOUN
fsr-3237	74	23	.	.	PUNCT
fsr-3237	75	1	these	these	DET
fsr-3237	75	2	findings	finding	NOUN
fsr-3237	75	3	are	be	AUX
fsr-3237	75	4	unsurprising	unsurprising	ADJ
fsr-3237	75	5	in	in	ADP
fsr-3237	75	6	the	the	DET
fsr-3237	75	7	context	context	NOUN
fsr-3237	75	8	of	of	ADP
fsr-3237	75	9	the	the	DET
fsr-3237	75	10	elt	elt	NOUN
fsr-3237	75	11	model	model	NOUN
fsr-3237	75	12	,	,	PUNCT
fsr-3237	75	13	where	where	SCONJ
fsr-3237	75	14	experience	experience	NOUN
fsr-3237	75	15	learning	learn	VERB
fsr-3237	75	16	emphasizes	emphasize	VERB
fsr-3237	75	17	the	the	DET
fsr-3237	75	18	roles	role	NOUN
fsr-3237	75	19	that	that	PRON
fsr-3237	75	20	direct	direct	ADJ
fsr-3237	75	21	experience	experience	NOUN
fsr-3237	75	22	and	and	CCONJ
fsr-3237	75	23	focused	focused	ADJ
fsr-3237	75	24	reflection	reflection	NOUN
fsr-3237	75	25	play	play	NOUN
fsr-3237	75	26	in	in	ADP
fsr-3237	75	27	increasing	increase	VERB
fsr-3237	75	28	knowledge	knowledge	NOUN
fsr-3237	75	29	.	.	PUNCT
fsr-3237	76	1	this	this	DET
fsr-3237	76	2	view	view	NOUN
fsr-3237	76	3	has	have	AUX
fsr-3237	76	4	inspired	inspire	VERB
fsr-3237	76	5	numerous	numerous	ADJ
fsr-3237	76	6	financial	financial	ADJ
fsr-3237	76	7	education	education	NOUN
fsr-3237	76	8	campaigns	campaign	NOUN
fsr-3237	76	9	that	that	PRON
fsr-3237	76	10	introduce	introduce	VERB
fsr-3237	76	11	programs	program	NOUN
fsr-3237	76	12	focused	focus	VERB
fsr-3237	76	13	on	on	ADP
fsr-3237	76	14	hands	hand	NOUN
fsr-3237	76	15	-	-	PUNCT
fsr-3237	76	16	on	on	ADP
fsr-3237	76	17	investment	investment	NOUN
fsr-3237	76	18	and	and	CCONJ
fsr-3237	76	19	management	management	NOUN
fsr-3237	76	20	experience	experience	NOUN
fsr-3237	76	21	to	to	ADP
fsr-3237	76	22	traditional	traditional	ADJ
fsr-3237	76	23	formal	formal	ADJ
fsr-3237	76	24	education	education	NOUN
fsr-3237	76	25	.	.	PUNCT
fsr-3237	77	1	for	for	ADP
fsr-3237	77	2	example	example	NOUN
fsr-3237	77	3	,	,	PUNCT
fsr-3237	77	4	the	the	DET
fsr-3237	77	5	“	"	PUNCT
fsr-3237	77	6	bank	bank	NOUN
fsr-3237	77	7	in	in	ADP
fsr-3237	77	8	school	school	NOUN
fsr-3237	77	9	”	"	PUNCT
fsr-3237	77	10	program	program	NOUN
fsr-3237	77	11	has	have	VERB
fsr-3237	77	12	students	student	NOUN
fsr-3237	77	13	open	open	VERB
fsr-3237	77	14	a	a	DET
fsr-3237	77	15	saving	saving	NOUN
fsr-3237	77	16	account	account	NOUN
fsr-3237	77	17	at	at	ADP
fsr-3237	77	18	school	school	NOUN
fsr-3237	77	19	,	,	PUNCT
fsr-3237	77	20	make	make	VERB
fsr-3237	77	21	deposits	deposit	NOUN
fsr-3237	77	22	,	,	PUNCT
fsr-3237	77	23	calculate	calculate	VERB
fsr-3237	77	24	simple	simple	ADJ
fsr-3237	77	25	interest	interest	NOUN
fsr-3237	77	26	,	,	PUNCT
fsr-3237	77	27	and	and	CCONJ
fsr-3237	77	28	track	track	VERB
fsr-3237	77	29	their	their	PRON
fsr-3237	77	30	saving	save	VERB
fsr-3237	77	31	balance	balance	NOUN
fsr-3237	77	32	;	;	PUNCT
fsr-3237	77	33	the	the	DET
fsr-3237	77	34	“	"	PUNCT
fsr-3237	77	35	huntington	huntington	PROPN
fsr-3237	77	36	bank	bank	PROPN
fsr-3237	77	37	kids	kids	PROPN
fsr-3237	77	38	’	'	PUNCT
fsr-3237	77	39	club	club	NOUN
fsr-3237	77	40	”	"	PUNCT
fsr-3237	77	41	program	program	NOUN
fsr-3237	77	42	in	in	ADP
fsr-3237	77	43	columbus	columbus	PROPN
fsr-3237	77	44	,	,	PUNCT
fsr-3237	77	45	ohio	ohio	PROPN
fsr-3237	77	46	,	,	PUNCT
fsr-3237	77	47	provides	provide	VERB
fsr-3237	77	48	students	student	NOUN
fsr-3237	77	49	with	with	ADP
fsr-3237	77	50	an	an	DET
fsr-3237	77	51	on	on	ADP
fsr-3237	77	52	-	-	PUNCT
fsr-3237	77	53	site	site	NOUN
fsr-3237	77	54	school	school	NOUN
fsr-3237	77	55	bank	bank	NOUN
fsr-3237	77	56	to	to	PART
fsr-3237	77	57	promote	promote	VERB
fsr-3237	77	58	hands	hand	NOUN
fsr-3237	77	59	-	-	PUNCT
fsr-3237	77	60	on	on	ADP
fsr-3237	77	61	experience	experience	NOUN
fsr-3237	77	62	learning	learn	VERB
fsr-3237	77	63	at	at	ADP
fsr-3237	77	64	school	school	NOUN
fsr-3237	77	65	(	(	PUNCT
fsr-3237	77	66	consumer	consumer	NOUN
fsr-3237	77	67	bankers	bankers	PROPN
fsr-3237	77	68	association	association	PROPN
fsr-3237	77	69	,	,	PUNCT
fsr-3237	77	70	2002	2002	NUM
fsr-3237	77	71	)	)	PUNCT
fsr-3237	77	72	.	.	PUNCT
fsr-3237	78	1	the	the	DET
fsr-3237	78	2	general	general	ADJ
fsr-3237	78	3	assumption	assumption	NOUN
fsr-3237	78	4	underlying	underlie	VERB
fsr-3237	78	5	these	these	DET
fsr-3237	78	6	programs	program	NOUN
fsr-3237	78	7	is	be	AUX
fsr-3237	78	8	that	that	SCONJ
fsr-3237	78	9	individual	individual	ADJ
fsr-3237	78	10	financial	financial	ADJ
fsr-3237	78	11	experience	experience	NOUN
fsr-3237	78	12	can	can	AUX
fsr-3237	78	13	help	help	VERB
fsr-3237	78	14	narrow	narrow	VERB
fsr-3237	78	15	the	the	DET
fsr-3237	78	16	gap	gap	NOUN
fsr-3237	78	17	in	in	ADP
fsr-3237	78	18	financial	financial	ADJ
fsr-3237	78	19	knowledge	knowledge	NOUN
fsr-3237	78	20	caused	cause	VERB
fsr-3237	78	21	by	by	ADP
fsr-3237	78	22	lack	lack	NOUN
fsr-3237	78	23	in	in	ADP
fsr-3237	78	24	financial	financial	ADJ
fsr-3237	78	25	education	education	NOUN
fsr-3237	78	26	exposures	exposure	NOUN
fsr-3237	78	27	.	.	PUNCT
fsr-3237	79	1	despite	despite	SCONJ
fsr-3237	79	2	empirical	empirical	ADJ
fsr-3237	79	3	evidence	evidence	NOUN
fsr-3237	79	4	showing	show	VERB
fsr-3237	79	5	that	that	SCONJ
fsr-3237	79	6	direct	direct	ADJ
fsr-3237	79	7	personal	personal	ADJ
fsr-3237	79	8	financial	financial	ADJ
fsr-3237	79	9	experience	experience	NOUN
fsr-3237	79	10	affects	affect	VERB
fsr-3237	79	11	financial	financial	ADJ
fsr-3237	79	12	knowledge	knowledge	NOUN
fsr-3237	79	13	,	,	PUNCT
fsr-3237	79	14	no	no	DET
fsr-3237	79	15	study	study	NOUN
fsr-3237	79	16	to	to	ADP
fsr-3237	79	17	our	our	PRON
fsr-3237	79	18	knowledge	knowledge	NOUN
fsr-3237	79	19	has	have	AUX
fsr-3237	79	20	systematically	systematically	ADV
fsr-3237	79	21	incorporated	incorporate	VERB
fsr-3237	79	22	financial	financial	ADJ
fsr-3237	79	23	experience	experience	NOUN
fsr-3237	79	24	into	into	ADP
fsr-3237	79	25	a	a	DET
fsr-3237	79	26	financial	financial	ADJ
fsr-3237	79	27	knowledge	knowledge	NOUN
fsr-3237	79	28	learning	learn	VERB
fsr-3237	79	29	framework	framework	NOUN
fsr-3237	79	30	and	and	CCONJ
fsr-3237	79	31	tested	test	VERB
fsr-3237	79	32	whether	whether	SCONJ
fsr-3237	79	33	it	it	PRON
fsr-3237	79	34	positively	positively	ADV
fsr-3237	79	35	affects	affect	VERB
fsr-3237	79	36	financial	financial	ADJ
fsr-3237	79	37	knowledge	knowledge	NOUN
fsr-3237	79	38	when	when	SCONJ
fsr-3237	79	39	taken	take	VERB
fsr-3237	79	40	with	with	ADP
fsr-3237	79	41	other	other	ADJ
fsr-3237	79	42	influencing	influence	VERB
fsr-3237	79	43	factors	factor	NOUN
fsr-3237	79	44	(	(	PUNCT
fsr-3237	79	45	i.e.	i.e.	X
fsr-3237	79	46	,	,	PUNCT
fsr-3237	79	47	financial	financial	ADJ
fsr-3237	79	48	education	education	NOUN
fsr-3237	79	49	and	and	CCONJ
fsr-3237	79	50	parents	parent	NOUN
fsr-3237	79	51	’	’	PART
fsr-3237	79	52	financial	financial	ADJ
fsr-3237	79	53	experience	experience	NOUN
fsr-3237	79	54	)	)	PUNCT
fsr-3237	79	55	.	.	PUNCT
fsr-3237	80	1	moreover	moreover	ADV
fsr-3237	80	2	,	,	PUNCT
fsr-3237	80	3	no	no	DET
fsr-3237	80	4	study	study	NOUN
fsr-3237	80	5	to	to	ADP
fsr-3237	80	6	our	our	PRON
fsr-3237	80	7	knowledge	knowledge	NOUN
fsr-3237	80	8	has	have	AUX
fsr-3237	80	9	explored	explore	VERB
fsr-3237	80	10	the	the	DET
fsr-3237	80	11	possibility	possibility	NOUN
fsr-3237	80	12	for	for	SCONJ
fsr-3237	80	13	financial	financial	ADJ
fsr-3237	80	14	experience	experience	NOUN
fsr-3237	80	15	to	to	PART
fsr-3237	80	16	compensate	compensate	VERB
fsr-3237	80	17	for	for	ADP
fsr-3237	80	18	lack	lack	NOUN
fsr-3237	80	19	of	of	ADP
fsr-3237	80	20	financial	financial	ADJ
fsr-3237	80	21	education	education	NOUN
fsr-3237	80	22	.	.	PUNCT
fsr-3237	81	1	thus	thus	ADV
fsr-3237	81	2	:	:	PUNCT
fsr-3237	81	3	hypothesis	hypothesis	NOUN
fsr-3237	81	4	2a	2a	NUM
fsr-3237	81	5	:	:	PUNCT
fsr-3237	81	6	young	young	ADJ
fsr-3237	81	7	adults	adult	NOUN
fsr-3237	81	8	should	should	AUX
fsr-3237	81	9	have	have	VERB
fsr-3237	81	10	higher	high	ADJ
fsr-3237	81	11	levels	level	NOUN
fsr-3237	81	12	of	of	ADP
fsr-3237	81	13	financial	financial	ADJ
fsr-3237	81	14	knowledge	knowledge	NOUN
fsr-3237	81	15	if	if	SCONJ
fsr-3237	81	16	they	they	PRON
fsr-3237	81	17	possess	possess	VERB
fsr-3237	81	18	higher	high	ADJ
fsr-3237	81	19	financial	financial	ADJ
fsr-3237	81	20	experience	experience	NOUN
fsr-3237	81	21	considering	consider	VERB
fsr-3237	81	22	the	the	DET
fsr-3237	81	23	concurrent	concurrent	ADJ
fsr-3237	81	24	roles	role	NOUN
fsr-3237	81	25	of	of	ADP
fsr-3237	81	26	financial	financial	ADJ
fsr-3237	81	27	education	education	NOUN
fsr-3237	81	28	and	and	CCONJ
fsr-3237	81	29	parents	parent	NOUN
fsr-3237	81	30	’	’	PART
fsr-3237	81	31	financial	financial	ADJ
fsr-3237	81	32	experience	experience	NOUN
fsr-3237	81	33	.	.	PUNCT
fsr-3237	82	1	hypothesis	hypothesis	NOUN
fsr-3237	82	2	2b	2b	NOUN
fsr-3237	82	3	:	:	PUNCT
fsr-3237	82	4	financial	financial	ADJ
fsr-3237	82	5	experience	experience	NOUN
fsr-3237	82	6	should	should	AUX
fsr-3237	82	7	positively	positively	ADV
fsr-3237	82	8	impact	impact	VERB
fsr-3237	82	9	financial	financial	ADJ
fsr-3237	82	10	knowledge	knowledge	NOUN
fsr-3237	82	11	especially	especially	ADV
fsr-3237	82	12	in	in	ADP
fsr-3237	82	13	the	the	DET
fsr-3237	82	14	absence	absence	NOUN
fsr-3237	82	15	of	of	ADP
fsr-3237	82	16	financial	financial	ADJ
fsr-3237	82	17	education	education	NOUN
fsr-3237	82	18	.	.	PUNCT
fsr-3237	83	1	2.3	2.3	NUM
fsr-3237	83	2	.	.	PUNCT
fsr-3237	84	1	parents	parent	NOUN
fsr-3237	84	2	’	'	PUNCT
fsr-3237	84	3	financial	financial	ADJ
fsr-3237	84	4	experience	experience	NOUN
fsr-3237	84	5	significant	significant	ADJ
fsr-3237	84	6	family	family	NOUN
fsr-3237	84	7	members	member	NOUN
fsr-3237	84	8	,	,	PUNCT
fsr-3237	84	9	especially	especially	ADV
fsr-3237	84	10	parents	parent	NOUN
fsr-3237	84	11	,	,	PUNCT
fsr-3237	84	12	present	present	ADJ
fsr-3237	84	13	incomparable	incomparable	ADJ
fsr-3237	84	14	socialization	socialization	NOUN
fsr-3237	84	15	influences	influence	NOUN
fsr-3237	84	16	on	on	ADP
fsr-3237	84	17	young	young	ADJ
fsr-3237	84	18	adults	adult	NOUN
fsr-3237	84	19	’	'	PUNCT
fsr-3237	84	20	learning	learn	VERB
fsr-3237	84	21	processes	process	NOUN
fsr-3237	84	22	(	(	PUNCT
fsr-3237	84	23	xiao	xiao	PROPN
fsr-3237	84	24	et	et	PROPN
fsr-3237	84	25	al	al	PROPN
fsr-3237	84	26	.	.	PROPN
fsr-3237	84	27	,	,	PUNCT
fsr-3237	84	28	2011	2011	NUM
fsr-3237	84	29	)	)	PUNCT
fsr-3237	84	30	.	.	PUNCT
fsr-3237	85	1	by	by	ADP
fsr-3237	85	2	interacting	interact	VERB
fsr-3237	85	3	with	with	ADP
fsr-3237	85	4	parents	parent	NOUN
fsr-3237	85	5	,	,	PUNCT
fsr-3237	85	6	children	child	NOUN
fsr-3237	85	7	develop	develop	VERB
fsr-3237	85	8	consumer	consumer	NOUN
fsr-3237	85	9	skills	skill	NOUN
fsr-3237	85	10	,	,	PUNCT
fsr-3237	85	11	knowledge	knowledge	NOUN
fsr-3237	85	12	,	,	PUNCT
fsr-3237	85	13	and	and	CCONJ
fsr-3237	85	14	attitudes	attitude	NOUN
fsr-3237	85	15	.	.	PUNCT
fsr-3237	86	1	even	even	ADV
fsr-3237	86	2	as	as	SCONJ
fsr-3237	86	3	they	they	PRON
fsr-3237	86	4	enter	enter	VERB
fsr-3237	86	5	early	early	ADJ
fsr-3237	86	6	adulthood	adulthood	NOUN
fsr-3237	86	7	,	,	PUNCT
fsr-3237	86	8	parental	parental	ADJ
fsr-3237	86	9	influence	influence	NOUN
fsr-3237	86	10	remains	remain	VERB
fsr-3237	86	11	a	a	DET
fsr-3237	86	12	potentially	potentially	ADV
fsr-3237	86	13	important	important	ADJ
fsr-3237	86	14	socializing	socializing	NOUN
fsr-3237	86	15	force	force	NOUN
fsr-3237	86	16	(	(	PUNCT
fsr-3237	86	17	bowen	bowen	PROPN
fsr-3237	86	18	,	,	PUNCT
fsr-3237	86	19	2002	2002	NUM
fsr-3237	86	20	;	;	PUNCT
fsr-3237	86	21	norvilitis	norvilitis	PROPN
fsr-3237	86	22	and	and	CCONJ
fsr-3237	86	23	maclean	maclean	PROPN
fsr-3237	86	24	,	,	PUNCT
fsr-3237	86	25	2010	2010	NUM
fsr-3237	86	26	;	;	PUNCT
fsr-3237	86	27	shim	shim	NOUN
fsr-3237	86	28	et	et	PROPN
fsr-3237	86	29	al	al	PROPN
fsr-3237	86	30	.	.	PROPN
fsr-3237	86	31	,	,	PUNCT
fsr-3237	86	32	2013	2013	NUM
fsr-3237	86	33	)	)	PUNCT
fsr-3237	86	34	.	.	PUNCT
fsr-3237	87	1	in	in	ADP
fsr-3237	87	2	a	a	DET
fsr-3237	87	3	survey	survey	NOUN
fsr-3237	87	4	of	of	ADP
fsr-3237	87	5	924	924	NUM
fsr-3237	87	6	students	student	NOUN
fsr-3237	87	7	enrolled	enrol	VERB
fsr-3237	87	8	at	at	ADP
fsr-3237	87	9	various	various	ADJ
fsr-3237	87	10	universities	university	NOUN
fsr-3237	87	11	,	,	PUNCT
fsr-3237	87	12	74	74	NUM
fsr-3237	87	13	%	%	NOUN
fsr-3237	87	14	of	of	ADP
fsr-3237	87	15	women	woman	NOUN
fsr-3237	87	16	and	and	CCONJ
fsr-3237	87	17	68	68	NUM
fsr-3237	87	18	%	%	NOUN
fsr-3237	87	19	of	of	ADP
fsr-3237	87	20	men	man	NOUN
fsr-3237	87	21	stated	state	VERB
fsr-3237	87	22	that	that	SCONJ
fsr-3237	87	23	they	they	PRON
fsr-3237	87	24	obtained	obtain	VERB
fsr-3237	87	25	their	their	PRON
fsr-3237	87	26	personal	personal	ADJ
fsr-3237	87	27	finance	finance	NOUN
fsr-3237	87	28	knowledge	knowledge	NOUN
fsr-3237	87	29	from	from	ADP
fsr-3237	87	30	their	their	PRON
fsr-3237	87	31	parents	parent	NOUN
fsr-3237	87	32	(	(	PUNCT
fsr-3237	87	33	chen	chen	PROPN
fsr-3237	87	34	and	and	CCONJ
fsr-3237	87	35	volpe	volpe	PROPN
fsr-3237	87	36	,	,	PUNCT
fsr-3237	87	37	2002	2002	NUM
fsr-3237	87	38	)	)	PUNCT
fsr-3237	87	39	.	.	PUNCT
fsr-3237	88	1	furthermore	furthermore	ADV
fsr-3237	88	2	,	,	PUNCT
fsr-3237	88	3	findings	finding	NOUN
fsr-3237	88	4	from	from	ADP
fsr-3237	88	5	the	the	DET
fsr-3237	88	6	2001	2001	NUM
fsr-3237	88	7	parents	parent	NOUN
fsr-3237	88	8	,	,	PUNCT
fsr-3237	88	9	youth	youth	NOUN
fsr-3237	88	10	,	,	PUNCT
fsr-3237	88	11	and	and	CCONJ
fsr-3237	88	12	money	money	NOUN
fsr-3237	88	13	survey	survey	NOUN
fsr-3237	88	14	suggest	suggest	VERB
fsr-3237	88	15	that	that	SCONJ
fsr-3237	88	16	parents	parent	NOUN
fsr-3237	88	17	who	who	PRON
fsr-3237	88	18	think	think	VERB
fsr-3237	88	19	they	they	PRON
fsr-3237	88	20	do	do	VERB
fsr-3237	88	21	an	an	DET
fsr-3237	88	22	“	"	PUNCT
fsr-3237	88	23	excellent	excellent	ADJ
fsr-3237	88	24	”	"	PUNCT
fsr-3237	88	25	or	or	CCONJ
fsr-3237	88	26	“	"	PUNCT
fsr-3237	88	27	good	good	ADJ
fsr-3237	88	28	”	"	PUNCT
fsr-3237	88	29	job	job	NOUN
fsr-3237	88	30	managing	manage	VERB
fsr-3237	88	31	their	their	PRON
fsr-3237	88	32	money	money	NOUN
fsr-3237	88	33	are	be	AUX
fsr-3237	88	34	more	more	ADV
fsr-3237	88	35	likely	likely	ADJ
fsr-3237	88	36	to	to	PART
fsr-3237	88	37	provide	provide	VERB
fsr-3237	88	38	their	their	PRON
fsr-3237	88	39	123n	123n	PROPN
fsr-3237	88	40	.	.	PUNCT
fsr-3237	89	1	tang	tang	PROPN
fsr-3237	89	2	,	,	PUNCT
fsr-3237	89	3	p.c	p.c	PROPN
fsr-3237	89	4	.	.	PROPN
fsr-3237	89	5	peter	peter	PROPN
fsr-3237	89	6	/	/	SYM
fsr-3237	89	7	financial	financial	ADJ
fsr-3237	89	8	services	service	NOUN
fsr-3237	89	9	review	review	VERB
fsr-3237	89	10	24	24	NUM
fsr-3237	89	11	(	(	PUNCT
fsr-3237	89	12	2015	2015	NUM
fsr-3237	89	13	)	)	PUNCT
fsr-3237	89	14	119–137	119–137	NUM
fsr-3237	89	15	children	child	NOUN
fsr-3237	89	16	with	with	ADP
fsr-3237	89	17	financial	financial	ADJ
fsr-3237	89	18	guidance	guidance	NOUN
fsr-3237	89	19	than	than	ADP
fsr-3237	89	20	those	those	DET
fsr-3237	89	21	parents	parent	NOUN
fsr-3237	89	22	who	who	PRON
fsr-3237	89	23	think	think	VERB
fsr-3237	89	24	they	they	PRON
fsr-3237	89	25	do	do	VERB
fsr-3237	89	26	a	a	DET
fsr-3237	89	27	“	"	PUNCT
fsr-3237	89	28	fair	fair	ADJ
fsr-3237	89	29	”	"	PUNCT
fsr-3237	89	30	or	or	CCONJ
fsr-3237	89	31	“	"	PUNCT
fsr-3237	89	32	poor	poor	ADJ
fsr-3237	89	33	”	"	PUNCT
fsr-3237	89	34	job	job	NOUN
fsr-3237	89	35	managing	manage	VERB
fsr-3237	89	36	their	their	PRON
fsr-3237	89	37	money	money	NOUN
fsr-3237	89	38	(	(	PUNCT
fsr-3237	89	39	employee	employee	NOUN
fsr-3237	89	40	benefit	benefit	NOUN
fsr-3237	89	41	research	research	PROPN
fsr-3237	89	42	institute	institute	NOUN
fsr-3237	89	43	,	,	PUNCT
fsr-3237	89	44	2001	2001	NUM
fsr-3237	89	45	)	)	PUNCT
fsr-3237	89	46	.	.	PUNCT
fsr-3237	90	1	therefore	therefore	ADV
fsr-3237	90	2	,	,	PUNCT
fsr-3237	90	3	we	we	PRON
fsr-3237	90	4	expect	expect	VERB
fsr-3237	90	5	financially	financially	ADV
fsr-3237	90	6	experienced	experienced	ADJ
fsr-3237	90	7	parents	parent	NOUN
fsr-3237	90	8	to	to	PART
fsr-3237	90	9	be	be	AUX
fsr-3237	90	10	more	more	ADV
fsr-3237	90	11	capable	capable	ADJ
fsr-3237	90	12	of	of	ADP
fsr-3237	90	13	helping	help	VERB
fsr-3237	90	14	their	their	PRON
fsr-3237	90	15	children	child	NOUN
fsr-3237	90	16	.	.	PUNCT
fsr-3237	91	1	we	we	PRON
fsr-3237	91	2	hypothesize	hypothesize	VERB
fsr-3237	91	3	that	that	SCONJ
fsr-3237	91	4	parents	parent	NOUN
fsr-3237	91	5	’	'	PUNCT
fsr-3237	91	6	financial	financial	ADJ
fsr-3237	91	7	experience	experience	NOUN
fsr-3237	91	8	positively	positively	ADV
fsr-3237	91	9	influences	influence	VERB
fsr-3237	91	10	youth	youth	NOUN
fsr-3237	91	11	financial	financial	ADJ
fsr-3237	91	12	knowledge	knowledge	NOUN
fsr-3237	91	13	and	and	CCONJ
fsr-3237	91	14	could	could	AUX
fsr-3237	91	15	help	help	VERB
fsr-3237	91	16	to	to	PART
fsr-3237	91	17	narrow	narrow	VERB
fsr-3237	91	18	the	the	DET
fsr-3237	91	19	gap	gap	NOUN
fsr-3237	91	20	in	in	ADP
fsr-3237	91	21	financial	financial	ADJ
fsr-3237	91	22	knowledge	knowledge	NOUN
fsr-3237	91	23	when	when	SCONJ
fsr-3237	91	24	financial	financial	ADJ
fsr-3237	91	25	education	education	NOUN
fsr-3237	91	26	at	at	ADP
fsr-3237	91	27	school	school	NOUN
fsr-3237	91	28	is	be	AUX
fsr-3237	91	29	not	not	PART
fsr-3237	91	30	available	available	ADJ
fsr-3237	91	31	.	.	PUNCT
fsr-3237	92	1	this	this	PRON
fsr-3237	92	2	leads	lead	VERB
fsr-3237	92	3	us	we	PRON
fsr-3237	92	4	to	to	ADP
fsr-3237	92	5	our	our	PRON
fsr-3237	92	6	final	final	ADJ
fsr-3237	92	7	hypotheses	hypothesis	NOUN
fsr-3237	92	8	:	:	PUNCT
fsr-3237	92	9	hypothesis	hypothesis	NOUN
fsr-3237	92	10	3a	3a	NUM
fsr-3237	92	11	:	:	PUNCT
fsr-3237	92	12	young	young	ADJ
fsr-3237	92	13	adults	adult	NOUN
fsr-3237	92	14	should	should	AUX
fsr-3237	92	15	have	have	VERB
fsr-3237	92	16	higher	high	ADJ
fsr-3237	92	17	levels	level	NOUN
fsr-3237	92	18	of	of	ADP
fsr-3237	92	19	financial	financial	ADJ
fsr-3237	92	20	knowledge	knowledge	NOUN
fsr-3237	92	21	if	if	SCONJ
fsr-3237	92	22	their	their	PRON
fsr-3237	92	23	parents	parent	NOUN
fsr-3237	92	24	possess	possess	VERB
fsr-3237	92	25	higher	high	ADJ
fsr-3237	92	26	financial	financial	ADJ
fsr-3237	92	27	experience	experience	NOUN
fsr-3237	92	28	considering	consider	VERB
fsr-3237	92	29	the	the	DET
fsr-3237	92	30	concurrent	concurrent	ADJ
fsr-3237	92	31	roles	role	NOUN
fsr-3237	92	32	of	of	ADP
fsr-3237	92	33	financial	financial	ADJ
fsr-3237	92	34	education	education	NOUN
fsr-3237	92	35	and	and	CCONJ
fsr-3237	92	36	financial	financial	ADJ
fsr-3237	92	37	experience	experience	NOUN
fsr-3237	92	38	.	.	PUNCT
fsr-3237	93	1	hypothesis	hypothesis	NOUN
fsr-3237	93	2	3b	3b	NUM
fsr-3237	93	3	:	:	PUNCT
fsr-3237	93	4	parents	parents	PROPN
fsr-3237	93	5	’	'	PUNCT
fsr-3237	93	6	financial	financial	ADJ
fsr-3237	93	7	experience	experience	NOUN
fsr-3237	93	8	should	should	AUX
fsr-3237	93	9	positively	positively	ADV
fsr-3237	93	10	impact	impact	VERB
fsr-3237	93	11	financial	financial	ADJ
fsr-3237	93	12	knowledge	knowledge	NOUN
fsr-3237	93	13	especially	especially	ADV
fsr-3237	93	14	in	in	ADP
fsr-3237	93	15	the	the	DET
fsr-3237	93	16	absence	absence	NOUN
fsr-3237	93	17	of	of	ADP
fsr-3237	93	18	financial	financial	ADJ
fsr-3237	93	19	education	education	NOUN
fsr-3237	93	20	.	.	PUNCT
fsr-3237	94	1	3	3	X
fsr-3237	94	2	.	.	X
fsr-3237	94	3	data	datum	NOUN
fsr-3237	94	4	and	and	CCONJ
fsr-3237	94	5	measures	measure	NOUN
fsr-3237	94	6	3.1	3.1	NUM
fsr-3237	94	7	.	.	PUNCT
fsr-3237	94	8	data	datum	NOUN
fsr-3237	94	9	this	this	DET
fsr-3237	94	10	article	article	NOUN
fsr-3237	94	11	uses	use	VERB
fsr-3237	94	12	data	datum	NOUN
fsr-3237	94	13	from	from	ADP
fsr-3237	94	14	the	the	DET
fsr-3237	94	15	1997	1997	NUM
fsr-3237	94	16	national	national	ADJ
fsr-3237	94	17	longitudinal	longitudinal	ADJ
fsr-3237	94	18	survey	survey	NOUN
fsr-3237	94	19	of	of	ADP
fsr-3237	94	20	youth	youth	NOUN
fsr-3237	94	21	(	(	PUNCT
fsr-3237	94	22	nlsy97	nlsy97	NOUN
fsr-3237	94	23	)	)	PUNCT
fsr-3237	94	24	provided	provide	VERB
fsr-3237	94	25	by	by	ADP
fsr-3237	94	26	the	the	DET
fsr-3237	94	27	u.s	u.s	PROPN
fsr-3237	94	28	.	.	PROPN
fsr-3237	94	29	bureau	bureau	PROPN
fsr-3237	94	30	of	of	ADP
fsr-3237	94	31	labor	labor	PROPN
fsr-3237	94	32	statistics	statistic	NOUN
fsr-3237	94	33	.	.	PUNCT
fsr-3237	95	1	the	the	DET
fsr-3237	95	2	nlsy97	nlsy97	NOUN
fsr-3237	95	3	is	be	AUX
fsr-3237	95	4	a	a	DET
fsr-3237	95	5	nationally	nationally	ADV
fsr-3237	95	6	representative	representative	ADJ
fsr-3237	95	7	sample	sample	NOUN
fsr-3237	95	8	of	of	ADP
fsr-3237	95	9	the	the	DET
fsr-3237	95	10	u.s	u.s	PROPN
fsr-3237	95	11	.	.	PROPN
fsr-3237	95	12	youth	youth	NOUN
fsr-3237	95	13	population	population	NOUN
fsr-3237	95	14	.	.	PUNCT
fsr-3237	96	1	to	to	PART
fsr-3237	96	2	reach	reach	VERB
fsr-3237	96	3	a	a	DET
fsr-3237	96	4	total	total	ADJ
fsr-3237	96	5	sample	sample	NOUN
fsr-3237	96	6	of	of	ADP
fsr-3237	96	7	8,984	8,984	NUM
fsr-3237	96	8	respondents	respondent	NOUN
fsr-3237	96	9	,	,	PUNCT
fsr-3237	96	10	nlsy97	nlsy97	NOUN
fsr-3237	96	11	interviewers	interviewer	NOUN
fsr-3237	96	12	screened	screen	VERB
fsr-3237	96	13	75,291	75,291	NUM
fsr-3237	96	14	households	household	NOUN
fsr-3237	96	15	in	in	ADP
fsr-3237	96	16	147	147	NUM
fsr-3237	96	17	primary	primary	ADJ
fsr-3237	96	18	sampling	sample	VERB
fsr-3237	96	19	units	unit	NOUN
fsr-3237	96	20	that	that	PRON
fsr-3237	96	21	did	do	AUX
fsr-3237	96	22	not	not	PART
fsr-3237	96	23	overlap	overlap	VERB
fsr-3237	96	24	(	(	PUNCT
fsr-3237	96	25	a	a	DET
fsr-3237	96	26	primary	primary	ADJ
fsr-3237	96	27	sampling	sample	VERB
fsr-3237	96	28	unit	unit	NOUN
fsr-3237	96	29	is	be	AUX
fsr-3237	96	30	a	a	DET
fsr-3237	96	31	metropolitan	metropolitan	ADJ
fsr-3237	96	32	area	area	NOUN
fsr-3237	96	33	or	or	CCONJ
fsr-3237	96	34	,	,	PUNCT
fsr-3237	96	35	in	in	ADP
fsr-3237	96	36	nonmetropolitan	nonmetropolitan	ADJ
fsr-3237	96	37	areas	area	NOUN
fsr-3237	96	38	,	,	PUNCT
fsr-3237	96	39	a	a	DET
fsr-3237	96	40	single	single	ADJ
fsr-3237	96	41	county	county	NOUN
fsr-3237	96	42	,	,	PUNCT
fsr-3237	96	43	or	or	CCONJ
fsr-3237	96	44	group	group	NOUN
fsr-3237	96	45	of	of	ADP
fsr-3237	96	46	counties	county	NOUN
fsr-3237	96	47	)	)	PUNCT
fsr-3237	96	48	.	.	PUNCT
fsr-3237	97	1	the	the	DET
fsr-3237	97	2	longitudinal	longitudinal	ADJ
fsr-3237	97	3	dataset	dataset	NOUN
fsr-3237	97	4	follows	follow	VERB
fsr-3237	97	5	the	the	DET
fsr-3237	97	6	same	same	ADJ
fsr-3237	97	7	group	group	NOUN
fsr-3237	97	8	of	of	ADP
fsr-3237	97	9	respondents	respondent	NOUN
fsr-3237	97	10	from	from	ADP
fsr-3237	97	11	1997	1997	NUM
fsr-3237	97	12	(	(	PUNCT
fsr-3237	97	13	wave	wave	NOUN
fsr-3237	97	14	1	1	NUM
fsr-3237	97	15	)	)	PUNCT
fsr-3237	97	16	to	to	ADP
fsr-3237	97	17	2010	2010	NUM
fsr-3237	97	18	(	(	PUNCT
fsr-3237	97	19	wave	wave	NOUN
fsr-3237	97	20	14	14	NUM
fsr-3237	97	21	)	)	PUNCT
fsr-3237	97	22	,	,	PUNCT
fsr-3237	97	23	recording	record	VERB
fsr-3237	97	24	data	datum	NOUN
fsr-3237	97	25	annually	annually	ADV
fsr-3237	97	26	.	.	PUNCT
fsr-3237	98	1	the	the	DET
fsr-3237	98	2	survey	survey	NOUN
fsr-3237	98	3	contains	contain	VERB
fsr-3237	98	4	extensive	extensive	ADJ
fsr-3237	98	5	information	information	NOUN
fsr-3237	98	6	on	on	ADP
fsr-3237	98	7	respondents	respondent	NOUN
fsr-3237	98	8	’	'	PUNCT
fsr-3237	98	9	demographic	demographic	ADJ
fsr-3237	98	10	and	and	CCONJ
fsr-3237	98	11	socioeconomic	socioeconomic	ADJ
fsr-3237	98	12	characteristics	characteristic	NOUN
fsr-3237	98	13	,	,	PUNCT
fsr-3237	98	14	family	family	NOUN
fsr-3237	98	15	backgrounds	background	NOUN
fsr-3237	98	16	,	,	PUNCT
fsr-3237	98	17	and	and	CCONJ
fsr-3237	98	18	educational	educational	ADJ
fsr-3237	98	19	experiences	experience	NOUN
fsr-3237	98	20	.	.	PUNCT
fsr-3237	99	1	because	because	SCONJ
fsr-3237	99	2	few	few	ADJ
fsr-3237	99	3	surveys	survey	NOUN
fsr-3237	99	4	simultaneously	simultaneously	ADV
fsr-3237	99	5	gather	gather	VERB
fsr-3237	99	6	data	datum	NOUN
fsr-3237	99	7	on	on	ADP
fsr-3237	99	8	an	an	DET
fsr-3237	99	9	individual	individual	NOUN
fsr-3237	99	10	’s	’s	PART
fsr-3237	99	11	financial	financial	ADJ
fsr-3237	99	12	education	education	NOUN
fsr-3237	99	13	,	,	PUNCT
fsr-3237	99	14	family	family	NOUN
fsr-3237	99	15	background	background	NOUN
fsr-3237	99	16	,	,	PUNCT
fsr-3237	99	17	and	and	CCONJ
fsr-3237	99	18	financial	financial	ADJ
fsr-3237	99	19	experience	experience	NOUN
fsr-3237	99	20	,	,	PUNCT
fsr-3237	99	21	few	few	ADJ
fsr-3237	99	22	studies	study	NOUN
fsr-3237	99	23	have	have	AUX
fsr-3237	99	24	evaluated	evaluate	VERB
fsr-3237	99	25	how	how	SCONJ
fsr-3237	99	26	these	these	DET
fsr-3237	99	27	three	three	NUM
fsr-3237	99	28	determinants	determinant	NOUN
fsr-3237	99	29	of	of	ADP
fsr-3237	99	30	financial	financial	ADJ
fsr-3237	99	31	knowledge	knowledge	NOUN
fsr-3237	99	32	acquisition	acquisition	NOUN
fsr-3237	99	33	work	work	NOUN
fsr-3237	99	34	together	together	ADV
fsr-3237	99	35	.	.	PUNCT
fsr-3237	100	1	the	the	DET
fsr-3237	100	2	rich	rich	ADJ
fsr-3237	100	3	dataset	dataset	NOUN
fsr-3237	100	4	from	from	ADP
fsr-3237	100	5	nlsy97	nlsy97	NOUN
fsr-3237	100	6	and	and	CCONJ
fsr-3237	100	7	its	its	PRON
fsr-3237	100	8	longitudinal	longitudinal	ADJ
fsr-3237	100	9	feature	feature	NOUN
fsr-3237	100	10	enables	enable	VERB
fsr-3237	100	11	us	we	PRON
fsr-3237	100	12	to	to	PART
fsr-3237	100	13	fill	fill	VERB
fsr-3237	100	14	this	this	DET
fsr-3237	100	15	gap	gap	NOUN
fsr-3237	100	16	.	.	PUNCT
fsr-3237	101	1	our	our	PRON
fsr-3237	101	2	study	study	NOUN
fsr-3237	101	3	used	use	VERB
fsr-3237	101	4	3,597	3,597	NUM
fsr-3237	101	5	respondents	respondent	NOUN
fsr-3237	101	6	from	from	ADP
fsr-3237	101	7	the	the	DET
fsr-3237	101	8	nlsy97	nlsy97	NOUN
fsr-3237	101	9	dataset	dataset	VERB
fsr-3237	101	10	because	because	SCONJ
fsr-3237	101	11	these	these	DET
fsr-3237	101	12	records	record	NOUN
fsr-3237	101	13	had	have	VERB
fsr-3237	101	14	valid	valid	ADJ
fsr-3237	101	15	responses	response	NOUN
fsr-3237	101	16	for	for	ADP
fsr-3237	101	17	all	all	PRON
fsr-3237	101	18	of	of	ADP
fsr-3237	101	19	our	our	PRON
fsr-3237	101	20	study	study	NOUN
fsr-3237	101	21	variables	variable	NOUN
fsr-3237	101	22	.	.	PUNCT
fsr-3237	102	1	3.2	3.2	NUM
fsr-3237	102	2	.	.	PUNCT
fsr-3237	102	3	measures	measure	NOUN
fsr-3237	102	4	3.2.1	3.2.1	NUM
fsr-3237	102	5	.	.	PUNCT
fsr-3237	103	1	financial	financial	ADJ
fsr-3237	103	2	knowledge	knowledge	NOUN
fsr-3237	103	3	the	the	DET
fsr-3237	103	4	nlsy97	nlsy97	NOUN
fsr-3237	103	5	2007	2007	NUM
fsr-3237	103	6	survey	survey	NOUN
fsr-3237	103	7	(	(	PUNCT
fsr-3237	103	8	wave	wave	NOUN
fsr-3237	103	9	11	11	NUM
fsr-3237	103	10	)	)	PUNCT
fsr-3237	103	11	asked	ask	VERB
fsr-3237	103	12	respondents	respondent	NOUN
fsr-3237	103	13	the	the	DET
fsr-3237	103	14	following	follow	VERB
fsr-3237	103	15	three	three	NUM
fsr-3237	103	16	financial	financial	ADJ
fsr-3237	103	17	knowledge	knowledge	NOUN
fsr-3237	103	18	questions	question	NOUN
fsr-3237	103	19	aimed	aim	VERB
fsr-3237	103	20	at	at	ADP
fsr-3237	103	21	testing	test	VERB
fsr-3237	103	22	basic	basic	ADJ
fsr-3237	103	23	but	but	CCONJ
fsr-3237	103	24	fundamental	fundamental	ADJ
fsr-3237	103	25	financial	financial	ADJ
fsr-3237	103	26	concepts	concept	NOUN
fsr-3237	103	27	regarding	regard	VERB
fsr-3237	103	28	risk	risk	NOUN
fsr-3237	103	29	diversification	diversification	NOUN
fsr-3237	103	30	,	,	PUNCT
fsr-3237	103	31	interest	interest	NOUN
fsr-3237	103	32	rate	rate	NOUN
fsr-3237	103	33	,	,	PUNCT
fsr-3237	103	34	and	and	CCONJ
fsr-3237	103	35	inflation	inflation	NOUN
fsr-3237	103	36	.	.	PUNCT
fsr-3237	104	1	1	1	X
fsr-3237	104	2	.	.	X
fsr-3237	104	3	do	do	AUX
fsr-3237	104	4	you	you	PRON
fsr-3237	104	5	think	think	VERB
fsr-3237	104	6	that	that	SCONJ
fsr-3237	104	7	the	the	DET
fsr-3237	104	8	following	follow	VERB
fsr-3237	104	9	statement	statement	NOUN
fsr-3237	104	10	is	be	AUX
fsr-3237	104	11	true	true	ADJ
fsr-3237	104	12	or	or	CCONJ
fsr-3237	104	13	false	false	ADJ
fsr-3237	104	14	?	?	PUNCT
fsr-3237	105	1	buying	buy	VERB
fsr-3237	105	2	a	a	DET
fsr-3237	105	3	single	single	ADJ
fsr-3237	105	4	company	company	NOUN
fsr-3237	105	5	stock	stock	NOUN
fsr-3237	105	6	usually	usually	ADV
fsr-3237	105	7	provides	provide	VERB
fsr-3237	105	8	a	a	DET
fsr-3237	105	9	safer	safe	ADJ
fsr-3237	105	10	return	return	NOUN
fsr-3237	105	11	than	than	ADP
fsr-3237	105	12	a	a	DET
fsr-3237	105	13	stock	stock	NOUN
fsr-3237	105	14	mutual	mutual	ADJ
fsr-3237	105	15	fund	fund	NOUN
fsr-3237	105	16	.	.	PUNCT
fsr-3237	106	1	(	(	PUNCT
fsr-3237	106	2	true	true	ADJ
fsr-3237	106	3	/	/	SYM
fsr-3237	106	4	false	false	ADJ
fsr-3237	106	5	)	)	PUNCT
fsr-3237	106	6	2	2	NUM
fsr-3237	106	7	.	.	PUNCT
fsr-3237	106	8	suppose	suppose	VERB
fsr-3237	106	9	you	you	PRON
fsr-3237	106	10	had	have	VERB
fsr-3237	106	11	$	$	SYM
fsr-3237	106	12	100	100	NUM
fsr-3237	106	13	in	in	ADP
fsr-3237	106	14	a	a	DET
fsr-3237	106	15	savings	saving	NOUN
fsr-3237	106	16	account	account	NOUN
fsr-3237	106	17	and	and	CCONJ
fsr-3237	106	18	the	the	DET
fsr-3237	106	19	interest	interest	NOUN
fsr-3237	106	20	rate	rate	NOUN
fsr-3237	106	21	was	be	AUX
fsr-3237	106	22	2	2	NUM
fsr-3237	106	23	%	%	NOUN
fsr-3237	106	24	per	per	ADP
fsr-3237	106	25	year	year	NOUN
fsr-3237	106	26	.	.	PUNCT
fsr-3237	107	1	124	124	NUM
fsr-3237	107	2	n.	n.	PROPN
fsr-3237	107	3	tang	tang	PROPN
fsr-3237	107	4	,	,	PUNCT
fsr-3237	107	5	p.c	p.c	PROPN
fsr-3237	107	6	.	.	PROPN
fsr-3237	107	7	peter	peter	PROPN
fsr-3237	107	8	/	/	SYM
fsr-3237	107	9	financial	financial	ADJ
fsr-3237	107	10	services	service	NOUN
fsr-3237	107	11	review	review	VERB
fsr-3237	107	12	24	24	NUM
fsr-3237	107	13	(	(	PUNCT
fsr-3237	107	14	2015	2015	NUM
fsr-3237	107	15	)	)	PUNCT
fsr-3237	107	16	119–137	119–137	NUM
fsr-3237	107	17	after	after	ADP
fsr-3237	107	18	5	5	NUM
fsr-3237	107	19	years	year	NOUN
fsr-3237	107	20	,	,	PUNCT
fsr-3237	107	21	how	how	SCONJ
fsr-3237	107	22	much	much	ADJ
fsr-3237	107	23	do	do	AUX
fsr-3237	107	24	you	you	PRON
fsr-3237	107	25	think	think	VERB
fsr-3237	107	26	you	you	PRON
fsr-3237	107	27	would	would	AUX
fsr-3237	107	28	have	have	VERB
fsr-3237	107	29	in	in	ADP
fsr-3237	107	30	the	the	DET
fsr-3237	107	31	account	account	NOUN
fsr-3237	107	32	if	if	SCONJ
fsr-3237	107	33	you	you	PRON
fsr-3237	107	34	left	leave	VERB
fsr-3237	107	35	the	the	DET
fsr-3237	107	36	money	money	NOUN
fsr-3237	107	37	to	to	PART
fsr-3237	107	38	grow	grow	VERB
fsr-3237	107	39	:	:	PUNCT
fsr-3237	107	40	more	more	ADJ
fsr-3237	107	41	than	than	ADP
fsr-3237	107	42	$	$	SYM
fsr-3237	107	43	102	102	NUM
fsr-3237	107	44	,	,	PUNCT
fsr-3237	107	45	exactly	exactly	ADV
fsr-3237	107	46	$	$	SYM
fsr-3237	107	47	102	102	NUM
fsr-3237	107	48	,	,	PUNCT
fsr-3237	107	49	or	or	CCONJ
fsr-3237	107	50	less	less	ADJ
fsr-3237	107	51	than	than	ADP
fsr-3237	107	52	$	$	SYM
fsr-3237	107	53	102	102	NUM
fsr-3237	107	54	?	?	PUNCT
fsr-3237	108	1	(	(	PUNCT
fsr-3237	108	2	a.	a.	NOUN
fsr-3237	108	3	more	more	ADJ
fsr-3237	108	4	than	than	ADP
fsr-3237	108	5	$	$	SYM
fsr-3237	108	6	102	102	NUM
fsr-3237	108	7	;	;	PUNCT
fsr-3237	108	8	b.	b.	X
fsr-3237	108	9	exactly	exactly	ADV
fsr-3237	108	10	$	$	SYM
fsr-3237	108	11	102	102	NUM
fsr-3237	108	12	;	;	PUNCT
fsr-3237	108	13	c.	c.	PROPN
fsr-3237	108	14	less	less	ADJ
fsr-3237	108	15	than	than	ADP
fsr-3237	108	16	$	$	SYM
fsr-3237	108	17	102	102	NUM
fsr-3237	108	18	)	)	PUNCT
fsr-3237	108	19	3	3	NUM
fsr-3237	108	20	.	.	X
fsr-3237	109	1	imagine	imagine	VERB
fsr-3237	109	2	that	that	SCONJ
fsr-3237	109	3	the	the	DET
fsr-3237	109	4	interest	interest	NOUN
fsr-3237	109	5	rate	rate	NOUN
fsr-3237	109	6	on	on	ADP
fsr-3237	109	7	your	your	PRON
fsr-3237	109	8	savings	saving	NOUN
fsr-3237	109	9	account	account	NOUN
fsr-3237	109	10	was	be	AUX
fsr-3237	109	11	1	1	NUM
fsr-3237	109	12	%	%	NOUN
fsr-3237	109	13	per	per	ADP
fsr-3237	109	14	year	year	NOUN
fsr-3237	109	15	and	and	CCONJ
fsr-3237	109	16	inflation	inflation	NOUN
fsr-3237	109	17	was	be	AUX
fsr-3237	109	18	2	2	NUM
fsr-3237	109	19	%	%	NOUN
fsr-3237	109	20	per	per	ADP
fsr-3237	109	21	year	year	NOUN
fsr-3237	109	22	.	.	PUNCT
fsr-3237	110	1	after	after	ADP
fsr-3237	110	2	1	1	NUM
fsr-3237	110	3	year	year	NOUN
fsr-3237	110	4	,	,	PUNCT
fsr-3237	110	5	would	would	AUX
fsr-3237	110	6	you	you	PRON
fsr-3237	110	7	be	be	AUX
fsr-3237	110	8	able	able	ADJ
fsr-3237	110	9	to	to	PART
fsr-3237	110	10	buy	buy	VERB
fsr-3237	110	11	more	more	ADJ
fsr-3237	110	12	than	than	ADP
fsr-3237	110	13	,	,	PUNCT
fsr-3237	110	14	exactly	exactly	ADV
fsr-3237	110	15	the	the	DET
fsr-3237	110	16	same	same	ADJ
fsr-3237	110	17	as	as	ADP
fsr-3237	110	18	,	,	PUNCT
fsr-3237	110	19	or	or	CCONJ
fsr-3237	110	20	less	less	ADJ
fsr-3237	110	21	than	than	ADP
fsr-3237	110	22	today	today	NOUN
fsr-3237	110	23	with	with	ADP
fsr-3237	110	24	the	the	DET
fsr-3237	110	25	money	money	NOUN
fsr-3237	110	26	in	in	ADP
fsr-3237	110	27	this	this	DET
fsr-3237	110	28	account	account	NOUN
fsr-3237	110	29	?	?	PUNCT
fsr-3237	111	1	(	(	PUNCT
fsr-3237	111	2	a.	a.	NOUN
fsr-3237	111	3	more	more	ADJ
fsr-3237	111	4	than	than	ADP
fsr-3237	111	5	today	today	NOUN
fsr-3237	111	6	;	;	PUNCT
fsr-3237	111	7	b.	b.	X
fsr-3237	111	8	exactly	exactly	ADV
fsr-3237	111	9	the	the	DET
fsr-3237	111	10	same	same	ADJ
fsr-3237	111	11	as	as	ADP
fsr-3237	111	12	today	today	NOUN
fsr-3237	111	13	;	;	PUNCT
fsr-3237	111	14	c.	c.	PROPN
fsr-3237	111	15	less	less	ADJ
fsr-3237	111	16	than	than	ADP
fsr-3237	111	17	today	today	NOUN
fsr-3237	111	18	)	)	PUNCT
fsr-3237	111	19	these	these	DET
fsr-3237	111	20	questions	question	NOUN
fsr-3237	111	21	have	have	AUX
fsr-3237	111	22	been	be	AUX
fsr-3237	111	23	shown	show	VERB
fsr-3237	111	24	to	to	PART
fsr-3237	111	25	differentiate	differentiate	VERB
fsr-3237	111	26	well	well	ADV
fsr-3237	111	27	between	between	ADP
fsr-3237	111	28	financially	financially	ADV
fsr-3237	111	29	knowledgeable	knowledgeable	ADJ
fsr-3237	111	30	and	and	CCONJ
fsr-3237	111	31	financially	financially	ADV
fsr-3237	111	32	naïve	naïve	ADJ
fsr-3237	111	33	respondents	respondent	NOUN
fsr-3237	111	34	and	and	CCONJ
fsr-3237	111	35	were	be	AUX
fsr-3237	111	36	also	also	ADV
fsr-3237	111	37	included	include	VERB
fsr-3237	111	38	in	in	ADP
fsr-3237	111	39	the	the	DET
fsr-3237	111	40	2004	2004	NUM
fsr-3237	111	41	health	health	NOUN
fsr-3237	111	42	and	and	CCONJ
fsr-3237	111	43	retirement	retirement	NOUN
fsr-3237	111	44	survey	survey	NOUN
fsr-3237	111	45	(	(	PUNCT
fsr-3237	111	46	hrs2004	hrs2004	NOUN
fsr-3237	111	47	)	)	PUNCT
fsr-3237	111	48	,	,	PUNCT
fsr-3237	111	49	the	the	DET
fsr-3237	111	50	2009	2009	NUM
fsr-3237	111	51	american	american	ADJ
fsr-3237	111	52	life	life	NOUN
fsr-3237	111	53	panel	panel	NOUN
fsr-3237	111	54	(	(	PUNCT
fsr-3237	111	55	alp2009	alp2009	ADV
fsr-3237	111	56	)	)	PUNCT
fsr-3237	111	57	,	,	PUNCT
fsr-3237	111	58	and	and	CCONJ
fsr-3237	111	59	the	the	DET
fsr-3237	111	60	2009	2009	NUM
fsr-3237	111	61	national	national	ADJ
fsr-3237	111	62	financial	financial	ADJ
fsr-3237	111	63	capability	capability	NOUN
fsr-3237	111	64	study	study	NOUN
fsr-3237	111	65	(	(	PUNCT
fsr-3237	111	66	nfcs2009	nfcs2009	PROPN
fsr-3237	111	67	;	;	PUNCT
fsr-3237	111	68	lusardi	lusardi	NOUN
fsr-3237	111	69	and	and	CCONJ
fsr-3237	111	70	mitchell	mitchell	PROPN
fsr-3237	111	71	,	,	PUNCT
fsr-3237	111	72	2008	2008	NUM
fsr-3237	111	73	,	,	PUNCT
fsr-3237	111	74	2011	2011	NUM
fsr-3237	111	75	;	;	PUNCT
fsr-3237	111	76	lusardi	lusardi	PROPN
fsr-3237	111	77	,	,	PUNCT
fsr-3237	111	78	mitchell	mitchell	PROPN
fsr-3237	111	79	,	,	PUNCT
fsr-3237	111	80	and	and	CCONJ
fsr-3237	111	81	curto	curto	NOUN
fsr-3237	111	82	,	,	PUNCT
fsr-3237	111	83	2010	2010	NUM
fsr-3237	111	84	)	)	PUNCT
fsr-3237	111	85	.	.	PUNCT
fsr-3237	112	1	using	use	VERB
fsr-3237	112	2	the	the	DET
fsr-3237	112	3	responses	response	NOUN
fsr-3237	112	4	to	to	ADP
fsr-3237	112	5	these	these	DET
fsr-3237	112	6	three	three	NUM
fsr-3237	112	7	financial	financial	ADJ
fsr-3237	112	8	knowledge	knowledge	NOUN
fsr-3237	112	9	questions	question	NOUN
fsr-3237	112	10	,	,	PUNCT
fsr-3237	112	11	we	we	PRON
fsr-3237	112	12	created	create	VERB
fsr-3237	112	13	a	a	DET
fsr-3237	112	14	financial	financial	ADJ
fsr-3237	112	15	knowledge	knowledge	NOUN
fsr-3237	112	16	score	score	NOUN
fsr-3237	112	17	that	that	PRON
fsr-3237	112	18	sums	sum	VERB
fsr-3237	112	19	the	the	DET
fsr-3237	112	20	number	number	NOUN
fsr-3237	112	21	of	of	ADP
fsr-3237	112	22	correct	correct	ADJ
fsr-3237	112	23	answers	answer	NOUN
fsr-3237	112	24	across	across	ADP
fsr-3237	112	25	the	the	DET
fsr-3237	112	26	three	three	NUM
fsr-3237	112	27	questions	question	NOUN
fsr-3237	112	28	.	.	PUNCT
fsr-3237	113	1	we	we	PRON
fsr-3237	113	2	use	use	VERB
fsr-3237	113	3	this	this	DET
fsr-3237	113	4	financial	financial	ADJ
fsr-3237	113	5	knowledge	knowledge	NOUN
fsr-3237	113	6	score	score	NOUN
fsr-3237	113	7	for	for	ADP
fsr-3237	113	8	the	the	DET
fsr-3237	113	9	rest	rest	NOUN
fsr-3237	113	10	of	of	ADP
fsr-3237	113	11	our	our	PRON
fsr-3237	113	12	analysis	analysis	NOUN
fsr-3237	113	13	.	.	PUNCT
fsr-3237	114	1	3.2.2	3.2.2	X
fsr-3237	114	2	.	.	PUNCT
fsr-3237	114	3	financial	financial	ADJ
fsr-3237	114	4	education	education	NOUN
fsr-3237	114	5	in	in	ADP
fsr-3237	114	6	surveys	survey	NOUN
fsr-3237	114	7	conducted	conduct	VERB
fsr-3237	114	8	from	from	ADP
fsr-3237	114	9	1997	1997	NUM
fsr-3237	114	10	to	to	ADP
fsr-3237	114	11	2007	2007	NUM
fsr-3237	114	12	(	(	PUNCT
fsr-3237	114	13	waves	wave	NOUN
fsr-3237	114	14	1	1	NUM
fsr-3237	114	15	through	through	ADP
fsr-3237	114	16	11	11	NUM
fsr-3237	114	17	)	)	PUNCT
fsr-3237	114	18	,	,	PUNCT
fsr-3237	114	19	respondents	respondent	NOUN
fsr-3237	114	20	were	be	AUX
fsr-3237	114	21	asked	ask	VERB
fsr-3237	114	22	about	about	ADP
fsr-3237	114	23	their	their	PRON
fsr-3237	114	24	majors	major	NOUN
fsr-3237	114	25	when	when	SCONJ
fsr-3237	114	26	they	they	PRON
fsr-3237	114	27	were	be	AUX
fsr-3237	114	28	in	in	ADP
fsr-3237	114	29	college	college	NOUN
fsr-3237	114	30	.	.	PUNCT
fsr-3237	115	1	we	we	PRON
fsr-3237	115	2	associated	associate	VERB
fsr-3237	115	3	majoring	major	VERB
fsr-3237	115	4	in	in	ADP
fsr-3237	115	5	economics	economic	NOUN
fsr-3237	115	6	and	and	CCONJ
fsr-3237	115	7	business	business	NOUN
fsr-3237	115	8	management	management	NOUN
fsr-3237	115	9	with	with	ADP
fsr-3237	115	10	higher	high	ADJ
fsr-3237	115	11	financial	financial	ADJ
fsr-3237	115	12	education	education	NOUN
fsr-3237	115	13	exposure	exposure	NOUN
fsr-3237	115	14	.	.	PUNCT
fsr-3237	116	1	we	we	PRON
fsr-3237	116	2	consider	consider	VERB
fsr-3237	116	3	this	this	DET
fsr-3237	116	4	measure	measure	NOUN
fsr-3237	116	5	more	more	ADV
fsr-3237	116	6	reliable	reliable	ADJ
fsr-3237	116	7	compared	compare	VERB
fsr-3237	116	8	with	with	ADP
fsr-3237	116	9	self	self	NOUN
fsr-3237	116	10	-	-	PUNCT
fsr-3237	116	11	reported	report	VERB
fsr-3237	116	12	data	datum	NOUN
fsr-3237	116	13	on	on	ADP
fsr-3237	116	14	financial	financial	ADJ
fsr-3237	116	15	education	education	NOUN
fsr-3237	116	16	collected	collect	VERB
fsr-3237	116	17	years	year	NOUN
fsr-3237	116	18	after	after	SCONJ
fsr-3237	116	19	the	the	DET
fsr-3237	116	20	respondents	respondent	NOUN
fsr-3237	116	21	left	leave	VERB
fsr-3237	116	22	school	school	NOUN
fsr-3237	116	23	(	(	PUNCT
fsr-3237	116	24	e.g.	e.g.	ADV
fsr-3237	116	25	,	,	PUNCT
fsr-3237	116	26	peng	peng	PROPN
fsr-3237	116	27	et	et	PROPN
fsr-3237	116	28	al	al	PROPN
fsr-3237	116	29	.	.	PROPN
fsr-3237	116	30	,	,	PUNCT
fsr-3237	116	31	2007	2007	NUM
fsr-3237	116	32	)	)	PUNCT
fsr-3237	116	33	.	.	PUNCT
fsr-3237	117	1	it	it	PRON
fsr-3237	117	2	is	be	AUX
fsr-3237	117	3	expected	expect	VERB
fsr-3237	117	4	that	that	SCONJ
fsr-3237	117	5	those	those	PRON
fsr-3237	117	6	who	who	PRON
fsr-3237	117	7	benefited	benefit	VERB
fsr-3237	117	8	more	more	ADV
fsr-3237	117	9	from	from	ADP
fsr-3237	117	10	financial	financial	ADJ
fsr-3237	117	11	education	education	NOUN
fsr-3237	117	12	are	be	AUX
fsr-3237	117	13	more	more	ADV
fsr-3237	117	14	likely	likely	ADJ
fsr-3237	117	15	to	to	PART
fsr-3237	117	16	remember	remember	VERB
fsr-3237	117	17	and	and	CCONJ
fsr-3237	117	18	,	,	PUNCT
fsr-3237	117	19	therefore	therefore	ADV
fsr-3237	117	20	,	,	PUNCT
fsr-3237	117	21	report	report	NOUN
fsr-3237	117	22	having	have	VERB
fsr-3237	117	23	such	such	ADJ
fsr-3237	117	24	education	education	NOUN
fsr-3237	117	25	.	.	PUNCT
fsr-3237	118	1	therefore	therefore	ADV
fsr-3237	118	2	,	,	PUNCT
fsr-3237	118	3	self	self	NOUN
fsr-3237	118	4	-	-	PUNCT
fsr-3237	118	5	reported	report	VERB
fsr-3237	118	6	data	datum	NOUN
fsr-3237	118	7	could	could	AUX
fsr-3237	118	8	cause	cause	VERB
fsr-3237	118	9	selection	selection	NOUN
fsr-3237	118	10	bias	bias	NOUN
fsr-3237	118	11	in	in	ADP
fsr-3237	118	12	estimation	estimation	NOUN
fsr-3237	118	13	(	(	PUNCT
fsr-3237	118	14	collins	collin	NOUN
fsr-3237	118	15	and	and	CCONJ
fsr-3237	118	16	o’rourke	o’rourke	NOUN
fsr-3237	118	17	,	,	PUNCT
fsr-3237	118	18	2010	2010	NUM
fsr-3237	118	19	)	)	PUNCT
fsr-3237	118	20	.	.	PUNCT
fsr-3237	119	1	in	in	ADP
fsr-3237	119	2	addition	addition	NOUN
fsr-3237	119	3	,	,	PUNCT
fsr-3237	119	4	mandell	mandell	PROPN
fsr-3237	119	5	and	and	CCONJ
fsr-3237	119	6	klein	klein	PROPN
fsr-3237	119	7	(	(	PUNCT
fsr-3237	119	8	2007	2007	NUM
fsr-3237	119	9	)	)	PUNCT
fsr-3237	119	10	point	point	NOUN
fsr-3237	119	11	out	out	ADP
fsr-3237	119	12	that	that	SCONJ
fsr-3237	119	13	the	the	DET
fsr-3237	119	14	low	low	ADJ
fsr-3237	119	15	financial	financial	ADJ
fsr-3237	119	16	knowledge	knowledge	NOUN
fsr-3237	119	17	scores	score	NOUN
fsr-3237	119	18	among	among	ADP
fsr-3237	119	19	young	young	ADJ
fsr-3237	119	20	adults	adult	NOUN
fsr-3237	119	21	,	,	PUNCT
fsr-3237	119	22	even	even	ADV
fsr-3237	119	23	after	after	SCONJ
fsr-3237	119	24	they	they	PRON
fsr-3237	119	25	have	have	AUX
fsr-3237	119	26	taken	take	VERB
fsr-3237	119	27	a	a	DET
fsr-3237	119	28	course	course	NOUN
fsr-3237	119	29	in	in	ADP
fsr-3237	119	30	personal	personal	ADJ
fsr-3237	119	31	finance	finance	NOUN
fsr-3237	119	32	,	,	PUNCT
fsr-3237	119	33	are	be	AUX
fsr-3237	119	34	related	relate	VERB
fsr-3237	119	35	to	to	ADP
fsr-3237	119	36	a	a	DET
fsr-3237	119	37	lack	lack	NOUN
fsr-3237	119	38	of	of	ADP
fsr-3237	119	39	motivation	motivation	NOUN
fsr-3237	119	40	to	to	PART
fsr-3237	119	41	learn	learn	VERB
fsr-3237	119	42	or	or	CCONJ
fsr-3237	119	43	retain	retain	VERB
fsr-3237	119	44	these	these	DET
fsr-3237	119	45	skills	skill	NOUN
fsr-3237	119	46	.	.	PUNCT
fsr-3237	120	1	consequently	consequently	ADV
fsr-3237	120	2	,	,	PUNCT
fsr-3237	120	3	to	to	PART
fsr-3237	120	4	mitigate	mitigate	VERB
fsr-3237	120	5	the	the	DET
fsr-3237	120	6	bias	bias	NOUN
fsr-3237	120	7	caused	cause	VERB
fsr-3237	120	8	by	by	ADP
fsr-3237	120	9	students	student	NOUN
fsr-3237	120	10	’	'	PUNCT
fsr-3237	120	11	motivation	motivation	NOUN
fsr-3237	120	12	to	to	PART
fsr-3237	120	13	acquire	acquire	VERB
fsr-3237	120	14	financial	financial	ADJ
fsr-3237	120	15	knowledge	knowledge	NOUN
fsr-3237	120	16	,	,	PUNCT
fsr-3237	120	17	we	we	PRON
fsr-3237	120	18	use	use	VERB
fsr-3237	120	19	college	college	NOUN
fsr-3237	120	20	majors	major	NOUN
fsr-3237	120	21	that	that	PRON
fsr-3237	120	22	are	be	AUX
fsr-3237	120	23	the	the	DET
fsr-3237	120	24	choice	choice	NOUN
fsr-3237	120	25	of	of	ADP
fsr-3237	120	26	respondents	respondent	NOUN
fsr-3237	120	27	to	to	PART
fsr-3237	120	28	measure	measure	VERB
fsr-3237	120	29	financial	financial	ADJ
fsr-3237	120	30	education	education	NOUN
fsr-3237	120	31	exposures	exposure	NOUN
fsr-3237	120	32	.	.	PUNCT
fsr-3237	121	1	it	it	PRON
fsr-3237	121	2	is	be	AUX
fsr-3237	121	3	noted	note	VERB
fsr-3237	121	4	that	that	SCONJ
fsr-3237	121	5	the	the	DET
fsr-3237	121	6	selected	select	VERB
fsr-3237	121	7	sample	sample	NOUN
fsr-3237	121	8	also	also	ADV
fsr-3237	121	9	includes	include	VERB
fsr-3237	121	10	respondents	respondent	NOUN
fsr-3237	121	11	who	who	PRON
fsr-3237	121	12	were	be	AUX
fsr-3237	121	13	not	not	PART
fsr-3237	121	14	in	in	ADP
fsr-3237	121	15	college	college	NOUN
fsr-3237	121	16	before	before	ADP
fsr-3237	121	17	2007	2007	NUM
fsr-3237	121	18	.	.	PUNCT
fsr-3237	122	1	their	their	PRON
fsr-3237	122	2	value	value	NOUN
fsr-3237	122	3	of	of	ADP
fsr-3237	122	4	exposure	exposure	NOUN
fsr-3237	122	5	to	to	ADP
fsr-3237	122	6	college	college	NOUN
fsr-3237	122	7	level	level	NOUN
fsr-3237	122	8	financial	financial	ADJ
fsr-3237	122	9	education	education	NOUN
fsr-3237	122	10	is	be	AUX
fsr-3237	122	11	set	set	VERB
fsr-3237	122	12	to	to	ADP
fsr-3237	122	13	zero	zero	NUM
fsr-3237	122	14	.	.	PUNCT
fsr-3237	123	1	3.2.3	3.2.3	X
fsr-3237	123	2	.	.	PUNCT
fsr-3237	123	3	financial	financial	ADJ
fsr-3237	123	4	experience	experience	NOUN
fsr-3237	123	5	we	we	PRON
fsr-3237	123	6	aggregated	aggregate	VERB
fsr-3237	123	7	responses	response	NOUN
fsr-3237	123	8	from	from	ADP
fsr-3237	123	9	the	the	DET
fsr-3237	123	10	1998	1998	NUM
fsr-3237	123	11	to	to	ADP
fsr-3237	123	12	2007	2007	NUM
fsr-3237	123	13	surveys	survey	NOUN
fsr-3237	123	14	(	(	PUNCT
fsr-3237	123	15	wave	wave	NOUN
fsr-3237	123	16	2	2	NUM
fsr-3237	123	17	through	through	ADP
fsr-3237	123	18	11	11	NUM
fsr-3237	123	19	)	)	PUNCT
fsr-3237	123	20	on	on	ADP
fsr-3237	123	21	whether	whether	SCONJ
fsr-3237	123	22	young	young	ADJ
fsr-3237	123	23	adults	adult	NOUN
fsr-3237	123	24	invested	invest	VERB
fsr-3237	123	25	in	in	ADP
fsr-3237	123	26	stocks	stock	NOUN
fsr-3237	123	27	,	,	PUNCT
fsr-3237	123	28	mutual	mutual	ADJ
fsr-3237	123	29	funds	fund	NOUN
fsr-3237	123	30	,	,	PUNCT
fsr-3237	123	31	cds	cd	NOUN
fsr-3237	123	32	,	,	PUNCT
fsr-3237	123	33	bonds	bond	NOUN
fsr-3237	123	34	,	,	PUNCT
fsr-3237	123	35	or	or	CCONJ
fsr-3237	123	36	t	t	NOUN
fsr-3237	123	37	-	-	PUNCT
fsr-3237	123	38	bills	bill	NOUN
fsr-3237	123	39	.	.	PUNCT
fsr-3237	124	1	we	we	PRON
fsr-3237	124	2	used	use	VERB
fsr-3237	124	3	responses	response	NOUN
fsr-3237	124	4	to	to	PART
fsr-3237	124	5	evaluate	evaluate	VERB
fsr-3237	124	6	respondents	respondent	NOUN
fsr-3237	124	7	’	'	PUNCT
fsr-3237	124	8	financial	financial	ADJ
fsr-3237	124	9	experience	experience	NOUN
fsr-3237	124	10	before	before	ADP
fsr-3237	124	11	2007	2007	NUM
fsr-3237	124	12	.	.	PUNCT
fsr-3237	125	1	3.2.4	3.2.4	NUM
fsr-3237	125	2	.	.	PUNCT
fsr-3237	126	1	parents	parent	NOUN
fsr-3237	126	2	’	'	PUNCT
fsr-3237	126	3	financial	financial	ADJ
fsr-3237	126	4	experience	experience	NOUN
fsr-3237	126	5	the	the	DET
fsr-3237	126	6	1997	1997	NUM
fsr-3237	126	7	survey	survey	NOUN
fsr-3237	126	8	(	(	PUNCT
fsr-3237	126	9	wave	wave	NOUN
fsr-3237	126	10	1	1	NUM
fsr-3237	126	11	)	)	PUNCT
fsr-3237	126	12	asked	ask	VERB
fsr-3237	126	13	respondents	respondent	NOUN
fsr-3237	126	14	’	’	PART
fsr-3237	126	15	parents	parent	NOUN
fsr-3237	126	16	whether	whether	SCONJ
fsr-3237	126	17	they	they	PRON
fsr-3237	126	18	had	have	VERB
fsr-3237	126	19	financial	financial	ADJ
fsr-3237	126	20	experience	experience	NOUN
fsr-3237	126	21	in	in	ADP
fsr-3237	126	22	stocks	stock	NOUN
fsr-3237	126	23	,	,	PUNCT
fsr-3237	126	24	bonds	bond	NOUN
fsr-3237	126	25	,	,	PUNCT
fsr-3237	126	26	or	or	CCONJ
fsr-3237	126	27	pension	pension	NOUN
fsr-3237	126	28	funds	fund	NOUN
fsr-3237	126	29	.	.	PUNCT
fsr-3237	127	1	we	we	PRON
fsr-3237	127	2	used	use	VERB
fsr-3237	127	3	this	this	PRON
fsr-3237	127	4	as	as	ADP
fsr-3237	127	5	indicator	indicator	NOUN
fsr-3237	127	6	of	of	ADP
fsr-3237	127	7	parents	parent	NOUN
fsr-3237	127	8	’	'	PUNCT
fsr-3237	127	9	financial	financial	ADJ
fsr-3237	127	10	experience	experience	NOUN
fsr-3237	127	11	.	.	PUNCT
fsr-3237	128	1	3.2.5	3.2.5	X
fsr-3237	128	2	.	.	PUNCT
fsr-3237	128	3	covariates	covariates	PROPN
fsr-3237	128	4	covariates	covariate	NOUN
fsr-3237	128	5	include	include	VERB
fsr-3237	128	6	individual	individual	ADJ
fsr-3237	128	7	demographic	demographic	ADJ
fsr-3237	128	8	and	and	CCONJ
fsr-3237	128	9	socioeconomic	socioeconomic	ADJ
fsr-3237	128	10	characteristics	characteristic	NOUN
fsr-3237	128	11	.	.	PUNCT
fsr-3237	129	1	we	we	PRON
fsr-3237	129	2	control	control	VERB
fsr-3237	129	3	for	for	ADP
fsr-3237	129	4	individual	individual	NOUN
fsr-3237	129	5	’s	’s	PART
fsr-3237	129	6	gender	gender	NOUN
fsr-3237	129	7	(	(	PUNCT
fsr-3237	129	8	wave	wave	NOUN
fsr-3237	129	9	1	1	NUM
fsr-3237	129	10	)	)	PUNCT
fsr-3237	129	11	,	,	PUNCT
fsr-3237	129	12	age	age	NOUN
fsr-3237	129	13	(	(	PUNCT
fsr-3237	129	14	wave	wave	NOUN
fsr-3237	129	15	1	1	NUM
fsr-3237	129	16	)	)	PUNCT
fsr-3237	129	17	,	,	PUNCT
fsr-3237	129	18	race	race	NOUN
fsr-3237	129	19	(	(	PUNCT
fsr-3237	129	20	wave	wave	NOUN
fsr-3237	129	21	1	1	NUM
fsr-3237	129	22	)	)	PUNCT
fsr-3237	129	23	,	,	PUNCT
fsr-3237	129	24	and	and	CCONJ
fsr-3237	129	25	income	income	NOUN
fsr-3237	129	26	earned	earn	VERB
fsr-3237	129	27	in	in	ADP
fsr-3237	129	28	2006	2006	NUM
fsr-3237	129	29	125n	125n	NUM
fsr-3237	129	30	.	.	PUNCT
fsr-3237	130	1	tang	tang	PROPN
fsr-3237	130	2	,	,	PUNCT
fsr-3237	130	3	p.c	p.c	PROPN
fsr-3237	130	4	.	.	PROPN
fsr-3237	130	5	peter	peter	PROPN
fsr-3237	130	6	/	/	SYM
fsr-3237	130	7	financial	financial	ADJ
fsr-3237	130	8	services	service	NOUN
fsr-3237	130	9	review	review	VERB
fsr-3237	130	10	24	24	NUM
fsr-3237	130	11	(	(	PUNCT
fsr-3237	130	12	2015	2015	NUM
fsr-3237	130	13	)	)	PUNCT
fsr-3237	130	14	119–137	119–137	NUM
fsr-3237	130	15	(	(	PUNCT
fsr-3237	130	16	wave	wave	NOUN
fsr-3237	130	17	11	11	NUM
fsr-3237	130	18	)	)	PUNCT
fsr-3237	130	19	.	.	PUNCT
fsr-3237	131	1	these	these	DET
fsr-3237	131	2	factors	factor	NOUN
fsr-3237	131	3	have	have	AUX
fsr-3237	131	4	been	be	AUX
fsr-3237	131	5	shown	show	VERB
fsr-3237	131	6	to	to	PART
fsr-3237	131	7	significantly	significantly	ADV
fsr-3237	131	8	impact	impact	VERB
fsr-3237	131	9	one	one	NUM
fsr-3237	131	10	’s	’s	PART
fsr-3237	131	11	financial	financial	ADJ
fsr-3237	131	12	knowledge	knowledge	NOUN
fsr-3237	131	13	(	(	PUNCT
fsr-3237	131	14	see	see	VERB
fsr-3237	131	15	,	,	PUNCT
fsr-3237	131	16	e.g.	e.g.	ADV
fsr-3237	131	17	,	,	PUNCT
fsr-3237	131	18	lusardi	lusardi	PROPN
fsr-3237	131	19	,	,	PUNCT
fsr-3237	131	20	mitchell	mitchell	PROPN
fsr-3237	131	21	,	,	PUNCT
fsr-3237	131	22	and	and	CCONJ
fsr-3237	131	23	curto	curto	NOUN
fsr-3237	131	24	,	,	PUNCT
fsr-3237	131	25	2010	2010	NUM
fsr-3237	131	26	;	;	PUNCT
fsr-3237	131	27	mandell	mandell	PROPN
fsr-3237	131	28	,	,	PUNCT
fsr-3237	131	29	2009	2009	NUM
fsr-3237	131	30	;	;	PUNCT
fsr-3237	131	31	worthington	worthington	PROPN
fsr-3237	131	32	,	,	PUNCT
fsr-3237	131	33	2006	2006	NUM
fsr-3237	131	34	)	)	PUNCT
fsr-3237	131	35	.	.	PUNCT
fsr-3237	132	1	we	we	PRON
fsr-3237	132	2	also	also	ADV
fsr-3237	132	3	control	control	VERB
fsr-3237	132	4	for	for	ADP
fsr-3237	132	5	young	young	ADJ
fsr-3237	132	6	adults	adult	NOUN
fsr-3237	132	7	’	'	PUNCT
fsr-3237	132	8	education	education	NOUN
fsr-3237	132	9	level	level	NOUN
fsr-3237	132	10	in	in	ADP
fsr-3237	132	11	2007	2007	NUM
fsr-3237	132	12	(	(	PUNCT
fsr-3237	132	13	wave	wave	NOUN
fsr-3237	132	14	11	11	NUM
fsr-3237	132	15	)	)	PUNCT
fsr-3237	132	16	and	and	CCONJ
fsr-3237	132	17	high	high	ADJ
fsr-3237	132	18	school	school	NOUN
fsr-3237	132	19	gpa	gpa	PROPN
fsr-3237	132	20	collected	collect	VERB
fsr-3237	132	21	in	in	ADP
fsr-3237	132	22	1999	1999	NUM
fsr-3237	132	23	(	(	PUNCT
fsr-3237	132	24	wave	wave	NOUN
fsr-3237	132	25	3	3	NUM
fsr-3237	132	26	)	)	PUNCT
fsr-3237	132	27	as	as	ADP
fsr-3237	132	28	lusardi	lusardi	PROPN
fsr-3237	132	29	,	,	PUNCT
fsr-3237	132	30	mitchell	mitchell	PROPN
fsr-3237	132	31	,	,	PUNCT
fsr-3237	132	32	and	and	CCONJ
fsr-3237	132	33	curto	curto	PROPN
fsr-3237	132	34	(	(	PUNCT
fsr-3237	132	35	2010	2010	NUM
fsr-3237	132	36	)	)	PUNCT
fsr-3237	132	37	show	show	VERB
fsr-3237	132	38	that	that	SCONJ
fsr-3237	132	39	education	education	NOUN
fsr-3237	132	40	attainment	attainment	NOUN
fsr-3237	132	41	and	and	CCONJ
fsr-3237	132	42	cognitive	cognitive	ADJ
fsr-3237	132	43	ability	ability	NOUN
fsr-3237	132	44	affect	affect	VERB
fsr-3237	132	45	financial	financial	ADJ
fsr-3237	132	46	knowledge	knowledge	NOUN
fsr-3237	132	47	.	.	PUNCT
fsr-3237	133	1	the	the	DET
fsr-3237	133	2	highest	high	ADJ
fsr-3237	133	3	educational	educational	ADJ
fsr-3237	133	4	attainment	attainment	NOUN
fsr-3237	133	5	by	by	ADP
fsr-3237	133	6	parents	parent	NOUN
fsr-3237	133	7	is	be	AUX
fsr-3237	133	8	also	also	ADV
fsr-3237	133	9	included	include	VERB
fsr-3237	133	10	in	in	ADP
fsr-3237	133	11	covariates	covariate	NOUN
fsr-3237	133	12	.	.	PUNCT
fsr-3237	134	1	our	our	PRON
fsr-3237	134	2	final	final	ADJ
fsr-3237	134	3	control	control	NOUN
fsr-3237	134	4	variable	variable	NOUN
fsr-3237	134	5	is	be	AUX
fsr-3237	134	6	whether	whether	SCONJ
fsr-3237	134	7	young	young	ADJ
fsr-3237	134	8	adults	adult	NOUN
fsr-3237	134	9	asked	ask	VERB
fsr-3237	134	10	parents	parent	NOUN
fsr-3237	134	11	about	about	ADP
fsr-3237	134	12	financial	financial	ADJ
fsr-3237	134	13	issues	issue	NOUN
fsr-3237	134	14	.	.	PUNCT
fsr-3237	135	1	this	this	PRON
fsr-3237	135	2	is	be	AUX
fsr-3237	135	3	to	to	PART
fsr-3237	135	4	control	control	VERB
fsr-3237	135	5	for	for	SCONJ
fsr-3237	135	6	the	the	DET
fsr-3237	135	7	opportunity	opportunity	NOUN
fsr-3237	135	8	children	child	NOUN
fsr-3237	135	9	had	have	VERB
fsr-3237	135	10	to	to	PART
fsr-3237	135	11	learn	learn	VERB
fsr-3237	135	12	from	from	ADP
fsr-3237	135	13	their	their	PRON
fsr-3237	135	14	parents	parent	NOUN
fsr-3237	135	15	.	.	PUNCT
fsr-3237	136	1	3.3	3.3	NUM
fsr-3237	136	2	.	.	PUNCT
fsr-3237	137	1	summary	summary	NOUN
fsr-3237	137	2	statistics	statistic	NOUN
fsr-3237	137	3	our	our	PRON
fsr-3237	137	4	study	study	NOUN
fsr-3237	137	5	used	use	VERB
fsr-3237	137	6	a	a	DET
fsr-3237	137	7	sample	sample	NOUN
fsr-3237	137	8	of	of	ADP
fsr-3237	137	9	3,597	3,597	NUM
fsr-3237	137	10	respondents	respondent	NOUN
fsr-3237	137	11	who	who	PRON
fsr-3237	137	12	had	have	VERB
fsr-3237	137	13	valid	valid	ADJ
fsr-3237	137	14	responses	response	NOUN
fsr-3237	137	15	for	for	ADP
fsr-3237	137	16	all	all	PRON
fsr-3237	137	17	of	of	ADP
fsr-3237	137	18	our	our	PRON
fsr-3237	137	19	study	study	NOUN
fsr-3237	137	20	variables	variable	NOUN
fsr-3237	137	21	listed	list	VERB
fsr-3237	137	22	above	above	ADV
fsr-3237	137	23	.	.	PUNCT
fsr-3237	138	1	table	table	NOUN
fsr-3237	138	2	1	1	NUM
fsr-3237	138	3	summarizes	summarize	NOUN
fsr-3237	138	4	data	datum	NOUN
fsr-3237	138	5	on	on	ADP
fsr-3237	138	6	respondents	respondent	NOUN
fsr-3237	138	7	’	'	PUNCT
fsr-3237	138	8	financial	financial	ADJ
fsr-3237	138	9	knowledge	knowledge	NOUN
fsr-3237	138	10	,	,	PUNCT
fsr-3237	138	11	financial	financial	ADJ
fsr-3237	138	12	education	education	NOUN
fsr-3237	138	13	exposure	exposure	NOUN
fsr-3237	138	14	,	,	PUNCT
fsr-3237	138	15	personal	personal	ADJ
fsr-3237	138	16	financial	financial	ADJ
fsr-3237	138	17	experience	experience	NOUN
fsr-3237	138	18	,	,	PUNCT
fsr-3237	138	19	and	and	CCONJ
fsr-3237	138	20	parents	parent	NOUN
fsr-3237	138	21	’	’	PART
fsr-3237	138	22	financial	financial	ADJ
fsr-3237	138	23	experience	experience	NOUN
fsr-3237	138	24	in	in	ADP
fsr-3237	138	25	our	our	PRON
fsr-3237	138	26	selected	select	VERB
fsr-3237	138	27	sample	sample	NOUN
fsr-3237	138	28	.	.	PUNCT
fsr-3237	139	1	the	the	DET
fsr-3237	139	2	average	average	ADJ
fsr-3237	139	3	financial	financial	ADJ
fsr-3237	139	4	knowledge	knowledge	NOUN
fsr-3237	139	5	score	score	NOUN
fsr-3237	139	6	among	among	ADP
fsr-3237	139	7	young	young	ADJ
fsr-3237	139	8	adults	adult	NOUN
fsr-3237	139	9	in	in	ADP
fsr-3237	139	10	the	the	DET
fsr-3237	139	11	selected	select	VERB
fsr-3237	139	12	sample	sample	NOUN
fsr-3237	139	13	is	be	AUX
fsr-3237	139	14	1.84	1.84	NUM
fsr-3237	139	15	out	out	ADP
fsr-3237	139	16	of	of	ADP
fsr-3237	139	17	3	3	NUM
fsr-3237	139	18	.	.	NOUN
fsr-3237	139	19	eighteen	eighteen	NUM
fsr-3237	139	20	percent	percent	NOUN
fsr-3237	139	21	of	of	ADP
fsr-3237	139	22	the	the	DET
fsr-3237	139	23	respondents	respondent	NOUN
fsr-3237	139	24	majored	major	VERB
fsr-3237	139	25	in	in	ADP
fsr-3237	139	26	economics	economic	NOUN
fsr-3237	139	27	or	or	CCONJ
fsr-3237	139	28	business	business	NOUN
fsr-3237	139	29	management	management	NOUN
fsr-3237	139	30	in	in	ADP
fsr-3237	139	31	college	college	NOUN
fsr-3237	139	32	before	before	ADP
fsr-3237	139	33	answering	answer	VERB
fsr-3237	139	34	the	the	DET
fsr-3237	139	35	financial	financial	ADJ
fsr-3237	139	36	knowledge	knowledge	NOUN
fsr-3237	139	37	questions	question	NOUN
fsr-3237	139	38	in	in	ADP
fsr-3237	139	39	2007	2007	NUM
fsr-3237	139	40	.	.	PUNCT
fsr-3237	140	1	respondents	respondent	NOUN
fsr-3237	140	2	reported	report	VERB
fsr-3237	140	3	limited	limited	ADJ
fsr-3237	140	4	personal	personal	ADJ
fsr-3237	140	5	financial	financial	ADJ
fsr-3237	140	6	experience	experience	NOUN
fsr-3237	140	7	,	,	PUNCT
fsr-3237	140	8	with	with	ADP
fsr-3237	140	9	only	only	ADV
fsr-3237	140	10	24.6	24.6	NUM
fsr-3237	140	11	%	%	NOUN
fsr-3237	140	12	reporting	reporting	NOUN
fsr-3237	140	13	that	that	SCONJ
fsr-3237	140	14	they	they	PRON
fsr-3237	140	15	had	have	AUX
fsr-3237	140	16	invested	invest	VERB
fsr-3237	140	17	in	in	ADP
fsr-3237	140	18	stocks	stock	NOUN
fsr-3237	140	19	or	or	CCONJ
fsr-3237	140	20	bonds	bond	NOUN
fsr-3237	140	21	before	before	ADP
fsr-3237	140	22	2007	2007	NUM
fsr-3237	140	23	.	.	PUNCT
fsr-3237	141	1	fifty	fifty	NUM
fsr-3237	141	2	-	-	PUNCT
fsr-3237	141	3	eight	eight	NUM
fsr-3237	141	4	percent	percent	NOUN
fsr-3237	141	5	of	of	ADP
fsr-3237	141	6	parents	parent	NOUN
fsr-3237	141	7	reported	report	VERB
fsr-3237	141	8	that	that	SCONJ
fsr-3237	141	9	they	they	PRON
fsr-3237	141	10	had	have	VERB
fsr-3237	141	11	financial	financial	ADJ
fsr-3237	141	12	experience	experience	NOUN
fsr-3237	141	13	.	.	PUNCT
fsr-3237	142	1	our	our	PRON
fsr-3237	142	2	selected	select	VERB
fsr-3237	142	3	sample	sample	NOUN
fsr-3237	142	4	consists	consist	VERB
fsr-3237	142	5	of	of	ADP
fsr-3237	142	6	young	young	ADJ
fsr-3237	142	7	adults	adult	NOUN
fsr-3237	142	8	with	with	ADP
fsr-3237	142	9	an	an	DET
fsr-3237	142	10	average	average	ADJ
fsr-3237	142	11	age	age	NOUN
fsr-3237	142	12	of	of	ADP
fsr-3237	142	13	24	24	NUM
fsr-3237	142	14	in	in	ADP
fsr-3237	142	15	2007	2007	NUM
fsr-3237	142	16	.	.	PUNCT
fsr-3237	143	1	fifty	fifty	NUM
fsr-3237	143	2	percent	percent	NOUN
fsr-3237	143	3	of	of	ADP
fsr-3237	143	4	them	they	PRON
fsr-3237	143	5	are	be	AUX
fsr-3237	143	6	males	male	NOUN
fsr-3237	143	7	;	;	PUNCT
fsr-3237	143	8	the	the	DET
fsr-3237	143	9	sample	sample	NOUN
fsr-3237	143	10	earned	earn	VERB
fsr-3237	143	11	an	an	DET
fsr-3237	143	12	average	average	ADJ
fsr-3237	143	13	annual	annual	ADJ
fsr-3237	143	14	income	income	NOUN
fsr-3237	143	15	of	of	ADP
fsr-3237	143	16	$	$	SYM
fsr-3237	143	17	24,011	24,011	NUM
fsr-3237	143	18	in	in	ADP
fsr-3237	143	19	2006	2006	NUM
fsr-3237	143	20	.	.	PUNCT
fsr-3237	144	1	the	the	DET
fsr-3237	144	2	breakdown	breakdown	NOUN
fsr-3237	144	3	of	of	ADP
fsr-3237	144	4	ethnicities	ethnicity	NOUN
fsr-3237	144	5	is	be	AUX
fsr-3237	144	6	:	:	PUNCT
fsr-3237	144	7	white	white	ADJ
fsr-3237	144	8	(	(	PUNCT
fsr-3237	144	9	65.1	65.1	NUM
fsr-3237	144	10	%	%	NOUN
fsr-3237	144	11	)	)	PUNCT
fsr-3237	144	12	;	;	PUNCT
fsr-3237	144	13	black	black	ADJ
fsr-3237	144	14	(	(	PUNCT
fsr-3237	144	15	23.4	23.4	NUM
fsr-3237	144	16	%	%	NOUN
fsr-3237	144	17	)	)	PUNCT
fsr-3237	144	18	;	;	PUNCT
fsr-3237	144	19	american	american	PROPN
fsr-3237	144	20	indian	indian	PROPN
fsr-3237	144	21	,	,	PUNCT
fsr-3237	144	22	eskimo	eskimo	NOUN
fsr-3237	144	23	,	,	PUNCT
fsr-3237	144	24	or	or	CCONJ
fsr-3237	144	25	aleut	aleut	NOUN
fsr-3237	144	26	(	(	PUNCT
fsr-3237	144	27	0.8	0.8	NUM
fsr-3237	144	28	%	%	NOUN
fsr-3237	144	29	)	)	PUNCT
fsr-3237	144	30	;	;	PUNCT
fsr-3237	144	31	asian	asian	ADJ
fsr-3237	144	32	or	or	CCONJ
fsr-3237	144	33	pacific	pacific	ADJ
fsr-3237	144	34	islander	islander	NOUN
fsr-3237	144	35	(	(	PUNCT
fsr-3237	144	36	1.4	1.4	NUM
fsr-3237	144	37	%	%	NOUN
fsr-3237	144	38	)	)	PUNCT
fsr-3237	144	39	;	;	PUNCT
fsr-3237	144	40	and	and	CCONJ
fsr-3237	144	41	other	other	ADJ
fsr-3237	144	42	(	(	PUNCT
fsr-3237	144	43	9.4	9.4	NUM
fsr-3237	144	44	%	%	NOUN
fsr-3237	144	45	)	)	PUNCT
fsr-3237	144	46	.	.	PUNCT
fsr-3237	145	1	as	as	ADP
fsr-3237	145	2	of	of	ADP
fsr-3237	145	3	2007	2007	NUM
fsr-3237	145	4	,	,	PUNCT
fsr-3237	145	5	26	26	NUM
fsr-3237	145	6	%	%	NOUN
fsr-3237	145	7	of	of	ADP
fsr-3237	145	8	respondents	respondent	NOUN
fsr-3237	145	9	in	in	ADP
fsr-3237	145	10	the	the	DET
fsr-3237	145	11	selected	select	VERB
fsr-3237	145	12	sample	sample	NOUN
fsr-3237	145	13	had	have	AUX
fsr-3237	145	14	obtained	obtain	VERB
fsr-3237	145	15	a	a	DET
fsr-3237	145	16	college	college	NOUN
fsr-3237	145	17	degree	degree	NOUN
fsr-3237	145	18	,	,	PUNCT
fsr-3237	145	19	3	3	NUM
fsr-3237	145	20	%	%	NOUN
fsr-3237	145	21	had	have	AUX
fsr-3237	145	22	obtained	obtain	VERB
fsr-3237	145	23	a	a	DET
fsr-3237	145	24	graduate	graduate	NOUN
fsr-3237	145	25	degree	degree	NOUN
fsr-3237	145	26	,	,	PUNCT
fsr-3237	145	27	and	and	CCONJ
fsr-3237	145	28	71	71	NUM
fsr-3237	145	29	%	%	NOUN
fsr-3237	145	30	had	have	AUX
fsr-3237	145	31	not	not	PART
fsr-3237	145	32	obtained	obtain	VERB
fsr-3237	145	33	a	a	DET
fsr-3237	145	34	college	college	NOUN
fsr-3237	145	35	degree	degree	NOUN
fsr-3237	145	36	.	.	PUNCT
fsr-3237	146	1	the	the	DET
fsr-3237	146	2	average	average	ADJ
fsr-3237	146	3	high	high	ADJ
fsr-3237	146	4	school	school	NOUN
fsr-3237	146	5	gpa	gpa	PROPN
fsr-3237	146	6	was	be	AUX
fsr-3237	146	7	2.89	2.89	NUM
fsr-3237	146	8	.	.	PUNCT
fsr-3237	147	1	forty	forty	NUM
fsr-3237	147	2	-	-	PUNCT
fsr-3237	147	3	one	one	NUM
fsr-3237	147	4	percent	percent	NOUN
fsr-3237	147	5	of	of	ADP
fsr-3237	147	6	respondents	respondent	NOUN
fsr-3237	147	7	’	’	PART
fsr-3237	147	8	parents	parent	NOUN
fsr-3237	147	9	had	have	VERB
fsr-3237	147	10	high	high	ADJ
fsr-3237	147	11	school	school	NOUN
fsr-3237	147	12	or	or	CCONJ
fsr-3237	147	13	less	less	ADJ
fsr-3237	147	14	as	as	ADP
fsr-3237	147	15	their	their	PRON
fsr-3237	147	16	highest	high	ADJ
fsr-3237	147	17	education	education	NOUN
fsr-3237	147	18	attainment	attainment	NOUN
fsr-3237	147	19	,	,	PUNCT
fsr-3237	147	20	and	and	CCONJ
fsr-3237	147	21	31	31	NUM
fsr-3237	147	22	%	%	NOUN
fsr-3237	147	23	had	have	VERB
fsr-3237	147	24	college	college	NOUN
fsr-3237	147	25	or	or	CCONJ
fsr-3237	147	26	more	more	ADJ
fsr-3237	147	27	.	.	PUNCT
fsr-3237	148	1	seventy	seventy	NUM
fsr-3237	148	2	percent	percent	NOUN
fsr-3237	148	3	of	of	ADP
fsr-3237	148	4	young	young	ADJ
fsr-3237	148	5	adults	adult	NOUN
fsr-3237	148	6	in	in	ADP
fsr-3237	148	7	the	the	DET
fsr-3237	148	8	sample	sample	NOUN
fsr-3237	148	9	had	have	AUX
fsr-3237	148	10	asked	ask	VERB
fsr-3237	148	11	their	their	PRON
fsr-3237	148	12	parents	parent	NOUN
fsr-3237	148	13	about	about	ADP
fsr-3237	148	14	financial	financial	ADJ
fsr-3237	148	15	issues	issue	NOUN
fsr-3237	148	16	.	.	PUNCT
fsr-3237	149	1	4	4	X
fsr-3237	149	2	.	.	NOUN
fsr-3237	149	3	results	result	VERB
fsr-3237	149	4	4.1	4.1	NUM
fsr-3237	149	5	.	.	PUNCT
fsr-3237	150	1	subgroup	subgroup	NOUN
fsr-3237	150	2	analysis	analysis	NOUN
fsr-3237	150	3	we	we	PRON
fsr-3237	150	4	first	first	ADV
fsr-3237	150	5	adopted	adopt	VERB
fsr-3237	150	6	one	one	NUM
fsr-3237	150	7	-	-	PUNCT
fsr-3237	150	8	way	way	NOUN
fsr-3237	150	9	analysis	analysis	NOUN
fsr-3237	150	10	of	of	ADP
fsr-3237	150	11	variance	variance	NOUN
fsr-3237	150	12	(	(	PUNCT
fsr-3237	150	13	anova	anova	PROPN
fsr-3237	150	14	)	)	PUNCT
fsr-3237	150	15	model	model	NOUN
fsr-3237	150	16	to	to	PART
fsr-3237	150	17	investigate	investigate	VERB
fsr-3237	150	18	whether	whether	SCONJ
fsr-3237	150	19	there	there	PRON
fsr-3237	150	20	are	be	VERB
fsr-3237	150	21	any	any	DET
fsr-3237	150	22	differences	difference	NOUN
fsr-3237	150	23	in	in	ADP
fsr-3237	150	24	mean	mean	ADJ
fsr-3237	150	25	financial	financial	ADJ
fsr-3237	150	26	knowledge	knowledge	NOUN
fsr-3237	150	27	scores	score	NOUN
fsr-3237	150	28	in	in	ADP
fsr-3237	150	29	different	different	ADJ
fsr-3237	150	30	subgroups	subgroup	NOUN
fsr-3237	150	31	.	.	PUNCT
fsr-3237	151	1	f	f	X
fsr-3237	151	2	-	-	PUNCT
fsr-3237	151	3	statistics	statistic	NOUN
fsr-3237	151	4	from	from	ADP
fsr-3237	151	5	the	the	DET
fsr-3237	151	6	test	test	NOUN
fsr-3237	151	7	indicate	indicate	VERB
fsr-3237	151	8	whether	whether	SCONJ
fsr-3237	151	9	the	the	DET
fsr-3237	151	10	difference	difference	NOUN
fsr-3237	151	11	between	between	ADP
fsr-3237	151	12	the	the	DET
fsr-3237	151	13	means	mean	NOUN
fsr-3237	151	14	of	of	ADP
fsr-3237	151	15	the	the	DET
fsr-3237	151	16	subgroups	subgroup	NOUN
fsr-3237	151	17	is	be	AUX
fsr-3237	151	18	significant	significant	ADJ
fsr-3237	151	19	or	or	CCONJ
fsr-3237	151	20	not	not	PART
fsr-3237	151	21	.	.	PUNCT
fsr-3237	152	1	because	because	SCONJ
fsr-3237	152	2	the	the	DET
fsr-3237	152	3	focus	focus	NOUN
fsr-3237	152	4	of	of	ADP
fsr-3237	152	5	the	the	DET
fsr-3237	152	6	article	article	NOUN
fsr-3237	152	7	is	be	AUX
fsr-3237	152	8	to	to	PART
fsr-3237	152	9	examine	examine	VERB
fsr-3237	152	10	the	the	DET
fsr-3237	152	11	roles	role	NOUN
fsr-3237	152	12	of	of	ADP
fsr-3237	152	13	financial	financial	ADJ
fsr-3237	152	14	education	education	NOUN
fsr-3237	152	15	,	,	PUNCT
fsr-3237	152	16	financial	financial	ADJ
fsr-3237	152	17	experience	experience	NOUN
fsr-3237	152	18	,	,	PUNCT
fsr-3237	152	19	and	and	CCONJ
fsr-3237	152	20	parents	parent	NOUN
fsr-3237	152	21	’	’	PART
fsr-3237	152	22	financial	financial	ADJ
fsr-3237	152	23	experience	experience	NOUN
fsr-3237	152	24	on	on	ADP
fsr-3237	152	25	financial	financial	ADJ
fsr-3237	152	26	knowledge	knowledge	NOUN
fsr-3237	152	27	,	,	PUNCT
fsr-3237	152	28	we	we	PRON
fsr-3237	152	29	defined	define	VERB
fsr-3237	152	30	subgroups	subgroup	NOUN
fsr-3237	152	31	by	by	ADP
fsr-3237	152	32	these	these	DET
fsr-3237	152	33	three	three	NUM
fsr-3237	152	34	factors	factor	NOUN
fsr-3237	152	35	.	.	PUNCT
fsr-3237	153	1	the	the	DET
fsr-3237	153	2	results	result	NOUN
fsr-3237	153	3	are	be	AUX
fsr-3237	153	4	summarized	summarize	VERB
fsr-3237	153	5	in	in	ADP
fsr-3237	153	6	table	table	NOUN
fsr-3237	153	7	2	2	NUM
fsr-3237	153	8	.	.	PUNCT
fsr-3237	154	1	it	it	PRON
fsr-3237	154	2	is	be	AUX
fsr-3237	154	3	found	find	VERB
fsr-3237	154	4	that	that	SCONJ
fsr-3237	154	5	all	all	DET
fsr-3237	154	6	three	three	NUM
fsr-3237	154	7	components	component	NOUN
fsr-3237	154	8	in	in	ADP
fsr-3237	154	9	our	our	PRON
fsr-3237	154	10	financial	financial	ADJ
fsr-3237	154	11	knowledge	knowledge	NOUN
fsr-3237	154	12	acquisition	acquisition	NOUN
fsr-3237	154	13	framework	framework	NOUN
fsr-3237	154	14	have	have	VERB
fsr-3237	154	15	significant	significant	ADJ
fsr-3237	154	16	impact	impact	NOUN
fsr-3237	154	17	on	on	ADP
fsr-3237	154	18	financial	financial	ADJ
fsr-3237	154	19	knowledge	knowledge	NOUN
fsr-3237	154	20	.	.	PUNCT
fsr-3237	155	1	economics	economic	NOUN
fsr-3237	155	2	or	or	CCONJ
fsr-3237	155	3	business	business	NOUN
fsr-3237	155	4	management	management	NOUN
fsr-3237	155	5	majors	major	NOUN
fsr-3237	155	6	scored	score	VERB
fsr-3237	155	7	higher	high	ADJ
fsr-3237	155	8	than	than	ADP
fsr-3237	155	9	those	those	PRON
fsr-3237	155	10	who	who	PRON
fsr-3237	155	11	did	do	AUX
fsr-3237	155	12	not	not	PART
fsr-3237	155	13	major	major	VERB
fsr-3237	155	14	in	in	ADP
fsr-3237	155	15	economics	economic	NOUN
fsr-3237	155	16	or	or	CCONJ
fsr-3237	155	17	business	business	NOUN
fsr-3237	155	18	management	management	NOUN
fsr-3237	155	19	.	.	PUNCT
fsr-3237	156	1	respondents	respondent	NOUN
fsr-3237	156	2	who	who	PRON
fsr-3237	156	3	had	have	VERB
fsr-3237	156	4	126	126	NUM
fsr-3237	156	5	n.	n.	PROPN
fsr-3237	156	6	tang	tang	PROPN
fsr-3237	156	7	,	,	PUNCT
fsr-3237	156	8	p.c	p.c	PROPN
fsr-3237	156	9	.	.	PROPN
fsr-3237	156	10	peter	peter	PROPN
fsr-3237	156	11	/	/	SYM
fsr-3237	156	12	financial	financial	ADJ
fsr-3237	156	13	services	service	NOUN
fsr-3237	156	14	review	review	VERB
fsr-3237	156	15	24	24	NUM
fsr-3237	156	16	(	(	PUNCT
fsr-3237	156	17	2015	2015	NUM
fsr-3237	156	18	)	)	PUNCT
fsr-3237	156	19	119–137	119–137	NUM
fsr-3237	156	20	financial	financial	ADJ
fsr-3237	156	21	experience	experience	NOUN
fsr-3237	156	22	had	have	VERB
fsr-3237	156	23	an	an	DET
fsr-3237	156	24	average	average	ADJ
fsr-3237	156	25	financial	financial	ADJ
fsr-3237	156	26	knowledge	knowledge	NOUN
fsr-3237	156	27	score	score	NOUN
fsr-3237	156	28	of	of	ADP
fsr-3237	156	29	2.19	2.19	NUM
fsr-3237	156	30	,	,	PUNCT
fsr-3237	156	31	compared	compare	VERB
fsr-3237	156	32	with	with	ADP
fsr-3237	156	33	1.73	1.73	NUM
fsr-3237	156	34	by	by	ADP
fsr-3237	156	35	those	those	PRON
fsr-3237	156	36	who	who	PRON
fsr-3237	156	37	without	without	ADP
fsr-3237	156	38	financial	financial	ADJ
fsr-3237	156	39	experience	experience	NOUN
fsr-3237	156	40	.	.	PUNCT
fsr-3237	157	1	the	the	DET
fsr-3237	157	2	difference	difference	NOUN
fsr-3237	157	3	is	be	AUX
fsr-3237	157	4	statistically	statistically	ADV
fsr-3237	157	5	significant	significant	ADJ
fsr-3237	157	6	.	.	PUNCT
fsr-3237	158	1	our	our	PRON
fsr-3237	158	2	results	result	NOUN
fsr-3237	158	3	also	also	ADV
fsr-3237	158	4	suggest	suggest	VERB
fsr-3237	158	5	that	that	SCONJ
fsr-3237	158	6	respondents	respondent	NOUN
fsr-3237	158	7	whose	whose	DET
fsr-3237	158	8	parents	parent	NOUN
fsr-3237	158	9	had	have	VERB
fsr-3237	158	10	investment	investment	NOUN
fsr-3237	158	11	experience	experience	NOUN
fsr-3237	158	12	scored	score	VERB
fsr-3237	158	13	higher	high	ADJ
fsr-3237	158	14	than	than	ADP
fsr-3237	158	15	their	their	PRON
fsr-3237	158	16	counterparts	counterpart	NOUN
fsr-3237	158	17	.	.	PUNCT
fsr-3237	159	1	4.2	4.2	NUM
fsr-3237	159	2	.	.	PUNCT
fsr-3237	160	1	poisson	poisson	PROPN
fsr-3237	160	2	regression	regression	PROPN
fsr-3237	160	3	–	–	PUNCT
fsr-3237	160	4	main	main	ADJ
fsr-3237	160	5	effects	effect	NOUN
fsr-3237	160	6	in	in	ADP
fsr-3237	160	7	this	this	DET
fsr-3237	160	8	section	section	NOUN
fsr-3237	160	9	,	,	PUNCT
fsr-3237	160	10	we	we	PRON
fsr-3237	160	11	will	will	AUX
fsr-3237	160	12	test	test	VERB
fsr-3237	160	13	the	the	DET
fsr-3237	160	14	concurrent	concurrent	ADJ
fsr-3237	160	15	roles	role	NOUN
fsr-3237	160	16	of	of	ADP
fsr-3237	160	17	financial	financial	ADJ
fsr-3237	160	18	education	education	NOUN
fsr-3237	160	19	,	,	PUNCT
fsr-3237	160	20	financial	financial	ADJ
fsr-3237	160	21	experience	experience	NOUN
fsr-3237	160	22	,	,	PUNCT
fsr-3237	160	23	and	and	CCONJ
fsr-3237	160	24	parents	parent	NOUN
fsr-3237	160	25	’	’	PART
fsr-3237	160	26	financial	financial	ADJ
fsr-3237	160	27	experience	experience	NOUN
fsr-3237	160	28	on	on	ADP
fsr-3237	160	29	financial	financial	ADJ
fsr-3237	160	30	knowledge	knowledge	NOUN
fsr-3237	160	31	,	,	PUNCT
fsr-3237	160	32	after	after	ADP
fsr-3237	160	33	controlling	control	VERB
fsr-3237	160	34	for	for	ADP
fsr-3237	160	35	other	other	ADJ
fsr-3237	160	36	covariates	covariate	NOUN
fsr-3237	160	37	.	.	PUNCT
fsr-3237	161	1	specifically	specifically	ADV
fsr-3237	161	2	,	,	PUNCT
fsr-3237	161	3	we	we	PRON
fsr-3237	161	4	evaluated	evaluate	VERB
fsr-3237	161	5	the	the	DET
fsr-3237	161	6	research	research	NOUN
fsr-3237	161	7	hypotheses	hypothesis	NOUN
fsr-3237	161	8	using	use	VERB
fsr-3237	161	9	poisson	poisson	NOUN
fsr-3237	161	10	regression	regression	NOUN
fsr-3237	161	11	.	.	PUNCT
fsr-3237	162	1	table	table	NOUN
fsr-3237	162	2	1	1	NUM
fsr-3237	162	3	summary	summary	NOUN
fsr-3237	162	4	statistics	statistic	NOUN
fsr-3237	162	5	mean	mean	VERB
fsr-3237	162	6	sd	sd	ADP
fsr-3237	162	7	min	min	PROPN
fsr-3237	162	8	max	max	PROPN
fsr-3237	162	9	dependent	dependent	PROPN
fsr-3237	162	10	variables	variable	NOUN
fsr-3237	162	11	total	total	ADJ
fsr-3237	162	12	financial	financial	ADJ
fsr-3237	162	13	knowledge	knowledge	NOUN
fsr-3237	162	14	score	score	NOUN
fsr-3237	162	15	1.84	1.84	NUM
fsr-3237	162	16	.92	.92	NUM
fsr-3237	162	17	0	0	NUM
fsr-3237	162	18	3	3	NUM
fsr-3237	162	19	independent	independent	ADJ
fsr-3237	162	20	variables	variable	NOUN
fsr-3237	162	21	majored	major	VERB
fsr-3237	162	22	in	in	ADP
fsr-3237	162	23	economics	economic	NOUN
fsr-3237	162	24	or	or	CCONJ
fsr-3237	162	25	business	business	NOUN
fsr-3237	162	26	management	management	NOUN
fsr-3237	162	27	before	before	ADP
fsr-3237	162	28	2007	2007	NUM
fsr-3237	162	29	18.0	18.0	NUM
fsr-3237	162	30	%	%	NOUN
fsr-3237	162	31	38.5	38.5	NUM
fsr-3237	162	32	%	%	NOUN
fsr-3237	162	33	0	0	NUM
fsr-3237	162	34	1	1	NUM
fsr-3237	162	35	invested	invest	VERB
fsr-3237	162	36	in	in	ADP
fsr-3237	162	37	stocks	stock	NOUN
fsr-3237	162	38	or	or	CCONJ
fsr-3237	162	39	bonds	bond	NOUN
fsr-3237	162	40	before	before	ADP
fsr-3237	162	41	2007	2007	NUM
fsr-3237	162	42	24.6	24.6	NUM
fsr-3237	162	43	%	%	NOUN
fsr-3237	162	44	43.1	43.1	NUM
fsr-3237	162	45	%	%	NOUN
fsr-3237	162	46	0	0	NUM
fsr-3237	162	47	1	1	NUM
fsr-3237	162	48	parents	parent	NOUN
fsr-3237	162	49	invested	invest	VERB
fsr-3237	162	50	in	in	ADP
fsr-3237	162	51	stocks	stock	NOUN
fsr-3237	162	52	or	or	CCONJ
fsr-3237	162	53	bonds	bond	NOUN
fsr-3237	162	54	or	or	CCONJ
fsr-3237	162	55	had	have	VERB
fsr-3237	162	56	pension	pension	NOUN
fsr-3237	162	57	accounts	account	NOUN
fsr-3237	162	58	58.3	58.3	NUM
fsr-3237	162	59	%	%	NOUN
fsr-3237	162	60	49.3	49.3	NUM
fsr-3237	162	61	%	%	NOUN
fsr-3237	162	62	0	0	NUM
fsr-3237	162	63	1	1	NUM
fsr-3237	162	64	covariates	covariate	VERB
fsr-3237	162	65	male	male	NOUN
fsr-3237	162	66	50.1	50.1	NUM
fsr-3237	162	67	%	%	NOUN
fsr-3237	162	68	50.0	50.0	NUM
fsr-3237	162	69	%	%	NOUN
fsr-3237	162	70	0	0	NUM
fsr-3237	162	71	1	1	NUM
fsr-3237	162	72	age	age	NOUN
fsr-3237	162	73	in	in	ADP
fsr-3237	162	74	2007	2007	NUM
fsr-3237	162	75	24.34	24.34	NUM
fsr-3237	162	76	1.47	1.47	NUM
fsr-3237	162	77	22	22	NUM
fsr-3237	162	78	28	28	NUM
fsr-3237	162	79	race	race	NOUN
fsr-3237	162	80	white	white	ADJ
fsr-3237	162	81	65.1	65.1	NUM
fsr-3237	162	82	%	%	NOUN
fsr-3237	162	83	47.7	47.7	NUM
fsr-3237	162	84	%	%	NOUN
fsr-3237	162	85	0	0	NUM
fsr-3237	162	86	1	1	NUM
fsr-3237	162	87	black	black	ADJ
fsr-3237	162	88	23.4	23.4	NUM
fsr-3237	162	89	%	%	NOUN
fsr-3237	162	90	42.3	42.3	NUM
fsr-3237	162	91	%	%	NOUN
fsr-3237	162	92	0	0	NUM
fsr-3237	162	93	1	1	NUM
fsr-3237	162	94	american	american	PROPN
fsr-3237	162	95	indian	indian	PROPN
fsr-3237	162	96	,	,	PUNCT
fsr-3237	162	97	eskimo	eskimo	NOUN
fsr-3237	162	98	,	,	PUNCT
fsr-3237	162	99	or	or	CCONJ
fsr-3237	162	100	aleut	aleut	NOUN
fsr-3237	162	101	0.8	0.8	NUM
fsr-3237	162	102	%	%	NOUN
fsr-3237	162	103	9.1	9.1	NUM
fsr-3237	162	104	%	%	NOUN
fsr-3237	162	105	0	0	NUM
fsr-3237	162	106	1	1	NUM
fsr-3237	162	107	asian	asian	ADJ
fsr-3237	162	108	or	or	CCONJ
fsr-3237	162	109	pacific	pacific	ADJ
fsr-3237	162	110	islander	islander	PROPN
fsr-3237	162	111	1.4	1.4	NUM
fsr-3237	162	112	%	%	NOUN
fsr-3237	162	113	11.6	11.6	NUM
fsr-3237	162	114	%	%	NOUN
fsr-3237	162	115	0	0	NUM
fsr-3237	162	116	1	1	NUM
fsr-3237	162	117	other	other	ADJ
fsr-3237	162	118	9.4	9.4	NUM
fsr-3237	162	119	%	%	NOUN
fsr-3237	162	120	29.2	29.2	NUM
fsr-3237	162	121	%	%	NOUN
fsr-3237	162	122	0	0	NUM
fsr-3237	162	123	1	1	NUM
fsr-3237	162	124	education	education	NOUN
fsr-3237	162	125	non	non	ADJ
fsr-3237	162	126	-	-	ADJ
fsr-3237	162	127	high	high	ADJ
fsr-3237	162	128	school	school	NOUN
fsr-3237	162	129	11.8	11.8	NUM
fsr-3237	162	130	%	%	NOUN
fsr-3237	162	131	32.3	32.3	NUM
fsr-3237	162	132	%	%	NOUN
fsr-3237	162	133	0	0	NUM
fsr-3237	162	134	1	1	NUM
fsr-3237	162	135	high	high	ADJ
fsr-3237	162	136	school	school	NOUN
fsr-3237	162	137	49.8	49.8	NUM
fsr-3237	162	138	%	%	NOUN
fsr-3237	162	139	50.0	50.0	NUM
fsr-3237	162	140	%	%	NOUN
fsr-3237	162	141	0	0	NUM
fsr-3237	162	142	1	1	NUM
fsr-3237	162	143	some	some	DET
fsr-3237	162	144	college	college	NOUN
fsr-3237	162	145	9.4	9.4	NUM
fsr-3237	162	146	%	%	NOUN
fsr-3237	162	147	29.1	29.1	NUM
fsr-3237	162	148	%	%	NOUN
fsr-3237	162	149	0	0	NUM
fsr-3237	162	150	1	1	NUM
fsr-3237	162	151	college	college	NOUN
fsr-3237	162	152	26.0	26.0	NUM
fsr-3237	162	153	%	%	NOUN
fsr-3237	162	154	43.9	43.9	NUM
fsr-3237	162	155	%	%	NOUN
fsr-3237	162	156	0	0	SYM
fsr-3237	162	157	1	1	NUM
fsr-3237	162	158	graduate	graduate	NOUN
fsr-3237	162	159	school	school	NOUN
fsr-3237	162	160	3.0	3.0	NUM
fsr-3237	162	161	%	%	NOUN
fsr-3237	162	162	17.1	17.1	NUM
fsr-3237	162	163	%	%	NOUN
fsr-3237	162	164	0	0	NUM
fsr-3237	162	165	1	1	NUM
fsr-3237	162	166	high	high	ADJ
fsr-3237	162	167	school	school	NOUN
fsr-3237	162	168	gpa	gpa	NOUN
fsr-3237	162	169	2.89	2.89	NUM
fsr-3237	162	170	.59	.59	NUM
fsr-3237	162	171	.42	.42	NUM
fsr-3237	162	172	4	4	NUM
fsr-3237	162	173	income	income	NOUN
fsr-3237	162	174	from	from	ADP
fsr-3237	162	175	wage	wage	NOUN
fsr-3237	162	176	and	and	CCONJ
fsr-3237	162	177	salary	salary	NOUN
fsr-3237	162	178	in	in	ADP
fsr-3237	162	179	2006	2006	NUM
fsr-3237	162	180	(	(	PUNCT
fsr-3237	162	181	in	in	ADP
fsr-3237	162	182	$	$	SYM
fsr-3237	162	183	)	)	PUNCT
fsr-3237	162	184	$	$	SYM
fsr-3237	162	185	24,011	24,011	NUM
fsr-3237	162	186	$	$	SYM
fsr-3237	162	187	18,255	18,255	NUM
fsr-3237	162	188	0	0	NUM
fsr-3237	162	189	$	$	SYM
fsr-3237	162	190	175,000	175,000	NUM
fsr-3237	162	191	under	under	ADP
fsr-3237	162	192	$	$	SYM
fsr-3237	162	193	10,000	10,000	NUM
fsr-3237	162	194	23.9	23.9	NUM
fsr-3237	162	195	%	%	NOUN
fsr-3237	162	196	42.6	42.6	NUM
fsr-3237	162	197	%	%	NOUN
fsr-3237	162	198	0	0	NUM
fsr-3237	162	199	1	1	NUM
fsr-3237	162	200	$	$	SYM
fsr-3237	162	201	10,000	10,000	NUM
fsr-3237	162	202	to	to	PART
fsr-3237	162	203	$	$	SYM
fsr-3237	162	204	25,000	25,000	NUM
fsr-3237	162	205	37.7	37.7	NUM
fsr-3237	162	206	%	%	NOUN
fsr-3237	162	207	48.5	48.5	NUM
fsr-3237	162	208	%	%	NOUN
fsr-3237	162	209	0	0	NUM
fsr-3237	162	210	1	1	NUM
fsr-3237	162	211	$	$	SYM
fsr-3237	162	212	25,000	25,000	NUM
fsr-3237	162	213	to	to	PART
fsr-3237	162	214	$	$	SYM
fsr-3237	162	215	50,000	50,000	NUM
fsr-3237	162	216	33.0	33.0	NUM
fsr-3237	162	217	%	%	NOUN
fsr-3237	162	218	47.0	47.0	NUM
fsr-3237	162	219	%	%	NOUN
fsr-3237	162	220	0	0	NUM
fsr-3237	162	221	1	1	NUM
fsr-3237	162	222	$	$	SYM
fsr-3237	162	223	50,000	50,000	NUM
fsr-3237	162	224	or	or	CCONJ
fsr-3237	162	225	more	more	ADJ
fsr-3237	162	226	5.5	5.5	NUM
fsr-3237	162	227	%	%	NOUN
fsr-3237	162	228	22.8	22.8	NUM
fsr-3237	162	229	%	%	NOUN
fsr-3237	162	230	0	0	NUM
fsr-3237	162	231	1	1	NUM
fsr-3237	162	232	parents	parent	NOUN
fsr-3237	162	233	’	'	PUNCT
fsr-3237	162	234	education	education	NOUN
fsr-3237	162	235	non	non	ADJ
fsr-3237	162	236	-	-	ADJ
fsr-3237	162	237	high	high	ADJ
fsr-3237	162	238	school	school	NOUN
fsr-3237	162	239	10.8	10.8	NUM
fsr-3237	162	240	%	%	NOUN
fsr-3237	162	241	31.1	31.1	NUM
fsr-3237	162	242	%	%	NOUN
fsr-3237	162	243	0	0	NUM
fsr-3237	162	244	1	1	NUM
fsr-3237	162	245	high	high	ADJ
fsr-3237	162	246	school	school	NOUN
fsr-3237	162	247	30.1	30.1	NUM
fsr-3237	162	248	%	%	NOUN
fsr-3237	162	249	45.9	45.9	NUM
fsr-3237	162	250	%	%	NOUN
fsr-3237	162	251	0	0	NUM
fsr-3237	162	252	1	1	NUM
fsr-3237	162	253	some	some	DET
fsr-3237	162	254	college	college	NOUN
fsr-3237	162	255	28.6	28.6	NUM
fsr-3237	162	256	%	%	NOUN
fsr-3237	162	257	45.2	45.2	NUM
fsr-3237	162	258	%	%	NOUN
fsr-3237	162	259	0	0	NUM
fsr-3237	162	260	1	1	NUM
fsr-3237	162	261	college	college	NOUN
fsr-3237	162	262	15.6	15.6	NUM
fsr-3237	162	263	%	%	NOUN
fsr-3237	162	264	36.3	36.3	NUM
fsr-3237	162	265	%	%	NOUN
fsr-3237	162	266	0	0	NUM
fsr-3237	162	267	1	1	NUM
fsr-3237	162	268	graduate	graduate	NOUN
fsr-3237	162	269	school	school	NOUN
fsr-3237	162	270	14.9	14.9	NUM
fsr-3237	162	271	%	%	NOUN
fsr-3237	162	272	35.6	35.6	NUM
fsr-3237	162	273	%	%	NOUN
fsr-3237	162	274	0	0	NUM
fsr-3237	162	275	1	1	NUM
fsr-3237	162	276	ask	ask	VERB
fsr-3237	162	277	parents	parent	NOUN
fsr-3237	162	278	about	about	ADP
fsr-3237	162	279	finance	finance	NOUN
fsr-3237	162	280	issues	issue	NOUN
fsr-3237	162	281	70.1	70.1	NUM
fsr-3237	162	282	%	%	NOUN
fsr-3237	162	283	45.8	45.8	NUM
fsr-3237	162	284	%	%	NOUN
fsr-3237	162	285	0	0	NUM
fsr-3237	162	286	1	1	NUM
fsr-3237	162	287	n	n	PRON
fsr-3237	162	288	�	�	PROPN
fsr-3237	162	289	3,597	3,597	NUM
fsr-3237	162	290	.	.	PUNCT
fsr-3237	163	1	the	the	DET
fsr-3237	163	2	table	table	NOUN
fsr-3237	163	3	shows	show	VERB
fsr-3237	163	4	the	the	DET
fsr-3237	163	5	summary	summary	NOUN
fsr-3237	163	6	statistics	statistic	NOUN
fsr-3237	163	7	of	of	ADP
fsr-3237	163	8	dependent	dependent	ADJ
fsr-3237	163	9	variable	variable	NOUN
fsr-3237	163	10	,	,	PUNCT
fsr-3237	163	11	three	three	NUM
fsr-3237	163	12	independent	independent	ADJ
fsr-3237	163	13	variables	variable	NOUN
fsr-3237	163	14	,	,	PUNCT
fsr-3237	163	15	and	and	CCONJ
fsr-3237	163	16	covariates	covariate	NOUN
fsr-3237	163	17	of	of	ADP
fsr-3237	163	18	our	our	PRON
fsr-3237	163	19	analysis	analysis	NOUN
fsr-3237	163	20	.	.	PUNCT
fsr-3237	164	1	mean	mean	VERB
fsr-3237	164	2	,	,	PUNCT
fsr-3237	164	3	standard	standard	ADJ
fsr-3237	164	4	deviation	deviation	NOUN
fsr-3237	164	5	,	,	PUNCT
fsr-3237	164	6	minimum	minimum	ADJ
fsr-3237	164	7	and	and	CCONJ
fsr-3237	164	8	maximum	maximum	ADJ
fsr-3237	164	9	values	value	NOUN
fsr-3237	164	10	are	be	AUX
fsr-3237	164	11	reported	report	VERB
fsr-3237	164	12	.	.	PUNCT
fsr-3237	165	1	127n	127n	PROPN
fsr-3237	165	2	.	.	PROPN
fsr-3237	165	3	tang	tang	PROPN
fsr-3237	165	4	,	,	PUNCT
fsr-3237	165	5	p.c	p.c	PROPN
fsr-3237	165	6	.	.	PROPN
fsr-3237	165	7	peter	peter	PROPN
fsr-3237	165	8	/	/	SYM
fsr-3237	165	9	financial	financial	ADJ
fsr-3237	165	10	services	service	NOUN
fsr-3237	165	11	review	review	VERB
fsr-3237	165	12	24	24	NUM
fsr-3237	165	13	(	(	PUNCT
fsr-3237	165	14	2015	2015	NUM
fsr-3237	165	15	)	)	PUNCT
fsr-3237	166	1	119–137	119–137	NUM
fsr-3237	166	2	previous	previous	ADJ
fsr-3237	166	3	research	research	NOUN
fsr-3237	166	4	has	have	AUX
fsr-3237	166	5	used	use	VERB
fsr-3237	166	6	poisson	poisson	NOUN
fsr-3237	166	7	regression	regression	NOUN
fsr-3237	166	8	to	to	PART
fsr-3237	166	9	model	model	VERB
fsr-3237	166	10	the	the	DET
fsr-3237	166	11	count	count	NOUN
fsr-3237	166	12	outcome	outcome	NOUN
fsr-3237	166	13	of	of	ADP
fsr-3237	166	14	financial	financial	ADJ
fsr-3237	166	15	behaviors	behavior	NOUN
fsr-3237	166	16	among	among	ADP
fsr-3237	166	17	young	young	ADJ
fsr-3237	166	18	adult	adult	NOUN
fsr-3237	166	19	populations	population	NOUN
fsr-3237	166	20	(	(	PUNCT
fsr-3237	166	21	worthy	worthy	ADJ
fsr-3237	166	22	,	,	PUNCT
fsr-3237	166	23	jonkman	jonkman	NOUN
fsr-3237	166	24	,	,	PUNCT
fsr-3237	166	25	and	and	CCONJ
fsr-3237	166	26	blinn	blinn	PROPN
fsr-3237	166	27	-	-	PUNCT
fsr-3237	166	28	pike	pike	NOUN
fsr-3237	166	29	,	,	PUNCT
fsr-3237	166	30	2010	2010	NUM
fsr-3237	166	31	)	)	PUNCT
fsr-3237	166	32	.	.	PUNCT
fsr-3237	167	1	poisson	poisson	PROPN
fsr-3237	167	2	regression	regression	PROPN
fsr-3237	167	3	is	be	AUX
fsr-3237	167	4	more	more	ADV
fsr-3237	167	5	appropriate	appropriate	ADJ
fsr-3237	167	6	in	in	ADP
fsr-3237	167	7	this	this	DET
fsr-3237	167	8	study	study	NOUN
fsr-3237	167	9	than	than	ADP
fsr-3237	167	10	standard	standard	ADJ
fsr-3237	167	11	linear	linear	ADJ
fsr-3237	167	12	regression	regression	NOUN
fsr-3237	167	13	for	for	ADP
fsr-3237	167	14	several	several	ADJ
fsr-3237	167	15	reasons	reason	NOUN
fsr-3237	167	16	.	.	PUNCT
fsr-3237	168	1	first	first	ADV
fsr-3237	168	2	,	,	PUNCT
fsr-3237	168	3	preliminary	preliminary	ADJ
fsr-3237	168	4	analyses	analysis	NOUN
fsr-3237	168	5	of	of	ADP
fsr-3237	168	6	our	our	PRON
fsr-3237	168	7	data	datum	NOUN
fsr-3237	168	8	demonstrated	demonstrate	VERB
fsr-3237	168	9	that	that	SCONJ
fsr-3237	168	10	using	use	VERB
fsr-3237	168	11	linear	linear	PROPN
fsr-3237	168	12	regression	regression	NOUN
fsr-3237	168	13	models	model	NOUN
fsr-3237	168	14	resulted	result	VERB
fsr-3237	168	15	in	in	ADP
fsr-3237	168	16	models	model	NOUN
fsr-3237	168	17	generating	generate	VERB
fsr-3237	168	18	out	out	ADP
fsr-3237	168	19	of	of	ADP
fsr-3237	168	20	bounds	bound	NOUN
fsr-3237	168	21	predictions	prediction	NOUN
fsr-3237	168	22	.	.	PUNCT
fsr-3237	169	1	for	for	ADP
fsr-3237	169	2	example	example	NOUN
fsr-3237	169	3	,	,	PUNCT
fsr-3237	169	4	predictions	prediction	NOUN
fsr-3237	169	5	of	of	ADP
fsr-3237	169	6	young	young	ADJ
fsr-3237	169	7	adults	adult	NOUN
fsr-3237	169	8	’	'	PUNCT
fsr-3237	169	9	financial	financial	ADJ
fsr-3237	169	10	knowledge	knowledge	NOUN
fsr-3237	169	11	scores	score	NOUN
fsr-3237	169	12	may	may	AUX
fsr-3237	169	13	have	have	VERB
fsr-3237	169	14	values	value	NOUN
fsr-3237	169	15	higher	high	ADJ
fsr-3237	169	16	than	than	ADP
fsr-3237	169	17	three	three	NUM
fsr-3237	169	18	based	base	VERB
fsr-3237	169	19	on	on	ADP
fsr-3237	169	20	ols	ol	NOUN
fsr-3237	169	21	regression	regression	NOUN
fsr-3237	169	22	.	.	PUNCT
fsr-3237	170	1	in	in	ADP
fsr-3237	170	2	addition	addition	NOUN
fsr-3237	170	3	,	,	PUNCT
fsr-3237	170	4	poisson	poisson	NOUN
fsr-3237	170	5	regression	regression	NOUN
fsr-3237	170	6	is	be	AUX
fsr-3237	170	7	more	more	ADV
fsr-3237	170	8	appropriate	appropriate	ADJ
fsr-3237	170	9	than	than	ADP
fsr-3237	170	10	linear	linear	ADJ
fsr-3237	170	11	regression	regression	NOUN
fsr-3237	170	12	because	because	SCONJ
fsr-3237	170	13	our	our	PRON
fsr-3237	170	14	dependent	dependent	ADJ
fsr-3237	170	15	variable	variable	NOUN
fsr-3237	170	16	(	(	PUNCT
fsr-3237	170	17	financial	financial	ADJ
fsr-3237	170	18	knowledge	knowledge	NOUN
fsr-3237	170	19	score	score	NOUN
fsr-3237	170	20	)	)	PUNCT
fsr-3237	170	21	is	be	AUX
fsr-3237	170	22	a	a	DET
fsr-3237	170	23	discrete	discrete	ADJ
fsr-3237	170	24	count	count	NOUN
fsr-3237	170	25	variable	variable	NOUN
fsr-3237	170	26	,	,	PUNCT
fsr-3237	170	27	it	it	PRON
fsr-3237	170	28	is	be	AUX
fsr-3237	170	29	not	not	PART
fsr-3237	170	30	overdispersed	overdisperse	VERB
fsr-3237	170	31	(	(	PUNCT
fsr-3237	170	32	e.g.	e.g.	ADV
fsr-3237	170	33	,	,	PUNCT
fsr-3237	170	34	financial	financial	ADJ
fsr-3237	170	35	knowledge	knowledge	NOUN
fsr-3237	170	36	scores	score	NOUN
fsr-3237	170	37	’	'	PUNCT
fsr-3237	170	38	variance	variance	NOUN
fsr-3237	170	39	does	do	AUX
fsr-3237	170	40	not	not	PART
fsr-3237	170	41	exceed	exceed	VERB
fsr-3237	170	42	its	its	PRON
fsr-3237	170	43	mean	mean	NOUN
fsr-3237	170	44	)	)	PUNCT
fsr-3237	170	45	,	,	PUNCT
fsr-3237	170	46	and	and	CCONJ
fsr-3237	170	47	it	it	PRON
fsr-3237	170	48	fits	fit	VERB
fsr-3237	170	49	the	the	DET
fsr-3237	170	50	poisson	poisson	NOUN
fsr-3237	170	51	distribution	distribution	NOUN
fsr-3237	170	52	well	well	ADV
fsr-3237	170	53	(	(	PUNCT
fsr-3237	170	54	deviance	deviance	NOUN
fsr-3237	170	55	goodness	goodness	NOUN
fsr-3237	170	56	-	-	PUNCT
fsr-3237	170	57	of	of	ADP
fsr-3237	170	58	-	-	PUNCT
fsr-3237	170	59	fit	fit	ADJ
fsr-3237	170	60	test	test	NOUN
fsr-3237	170	61	�	�	X
fsr-3237	170	62	2	2	NUM
fsr-3237	170	63	(	(	PUNCT
fsr-3237	170	64	df	df	PROPN
fsr-3237	170	65	)	)	PUNCT
fsr-3237	170	66	�	�	PROPN
fsr-3237	170	67	1808.14	1808.14	NUM
fsr-3237	170	68	(	(	PUNCT
fsr-3237	170	69	3580	3580	NUM
fsr-3237	170	70	)	)	PUNCT
fsr-3237	170	71	,	,	PUNCT
fsr-3237	170	72	p	p	PROPN
fsr-3237	170	73	�	�	PROPN
fsr-3237	170	74	0.99	0.99	NUM
fsr-3237	170	75	;	;	PUNCT
fsr-3237	170	76	pearson	pearson	PROPN
fsr-3237	170	77	goodness	goodness	PROPN
fsr-3237	170	78	-	-	PUNCT
fsr-3237	170	79	of	of	ADP
fsr-3237	170	80	-	-	PUNCT
fsr-3237	170	81	fit	fit	ADJ
fsr-3237	170	82	test	test	NOUN
fsr-3237	170	83	�	�	X
fsr-3237	170	84	2	2	NUM
fsr-3237	170	85	(	(	PUNCT
fsr-3237	170	86	df	df	PROPN
fsr-3237	170	87	)	)	PUNCT
fsr-3237	170	88	�	�	PROPN
fsr-3237	170	89	1417.84	1417.84	NUM
fsr-3237	170	90	(	(	PUNCT
fsr-3237	170	91	3080	3080	NUM
fsr-3237	170	92	)	)	PUNCT
fsr-3237	170	93	,	,	PUNCT
fsr-3237	170	94	p	p	PROPN
fsr-3237	170	95	�	�	PROPN
fsr-3237	170	96	0.99	0.99	NUM
fsr-3237	170	97	)	)	PUNCT
fsr-3237	170	98	.	.	PUNCT
fsr-3237	171	1	therefore	therefore	ADV
fsr-3237	171	2	,	,	PUNCT
fsr-3237	171	3	we	we	PRON
fsr-3237	171	4	ran	run	VERB
fsr-3237	171	5	poisson	poisson	PROPN
fsr-3237	171	6	regression	regression	NOUN
fsr-3237	171	7	to	to	PART
fsr-3237	171	8	assess	assess	VERB
fsr-3237	171	9	the	the	DET
fsr-3237	171	10	effects	effect	NOUN
fsr-3237	171	11	of	of	ADP
fsr-3237	171	12	financial	financial	ADJ
fsr-3237	171	13	education	education	NOUN
fsr-3237	171	14	,	,	PUNCT
fsr-3237	171	15	financial	financial	ADJ
fsr-3237	171	16	experience	experience	NOUN
fsr-3237	171	17	,	,	PUNCT
fsr-3237	171	18	parent	parent	NOUN
fsr-3237	171	19	’s	’s	PART
fsr-3237	171	20	financial	financial	ADJ
fsr-3237	171	21	experience	experience	NOUN
fsr-3237	171	22	and	and	CCONJ
fsr-3237	171	23	their	their	PRON
fsr-3237	171	24	interaction	interaction	NOUN
fsr-3237	171	25	effects	effect	NOUN
fsr-3237	171	26	on	on	ADP
fsr-3237	171	27	financial	financial	ADJ
fsr-3237	171	28	knowledge	knowledge	NOUN
fsr-3237	171	29	.	.	PUNCT
fsr-3237	172	1	coefficients	coefficient	NOUN
fsr-3237	172	2	in	in	ADP
fsr-3237	172	3	poisson	poisson	PROPN
fsr-3237	172	4	regression	regression	NOUN
fsr-3237	172	5	are	be	AUX
fsr-3237	172	6	the	the	DET
fsr-3237	172	7	difference	difference	NOUN
fsr-3237	172	8	between	between	ADP
fsr-3237	172	9	the	the	DET
fsr-3237	172	10	logs	log	NOUN
fsr-3237	172	11	of	of	ADP
fsr-3237	172	12	expected	expect	VERB
fsr-3237	172	13	counts	count	NOUN
fsr-3237	172	14	,	,	PUNCT
fsr-3237	172	15	which	which	PRON
fsr-3237	172	16	is	be	AUX
fsr-3237	172	17	difficult	difficult	ADJ
fsr-3237	172	18	to	to	PART
fsr-3237	172	19	interpret	interpret	VERB
fsr-3237	172	20	intuitively	intuitively	ADV
fsr-3237	172	21	.	.	PUNCT
fsr-3237	173	1	to	to	PART
fsr-3237	173	2	help	help	VERB
fsr-3237	173	3	clarify	clarify	VERB
fsr-3237	173	4	our	our	PRON
fsr-3237	173	5	results	result	NOUN
fsr-3237	173	6	,	,	PUNCT
fsr-3237	173	7	we	we	PRON
fsr-3237	173	8	report	report	VERB
fsr-3237	173	9	both	both	CCONJ
fsr-3237	173	10	the	the	DET
fsr-3237	173	11	regression	regression	NOUN
fsr-3237	173	12	coefficients	coefficient	NOUN
fsr-3237	173	13	(	(	PUNCT
fsr-3237	173	14	�	�	NOUN
fsr-3237	173	15	)	)	PUNCT
fsr-3237	173	16	and	and	CCONJ
fsr-3237	173	17	incidence	incidence	NOUN
fsr-3237	173	18	rate	rate	NOUN
fsr-3237	173	19	ratios	ratio	NOUN
fsr-3237	173	20	(	(	PUNCT
fsr-3237	173	21	irrs	irrs	NOUN
fsr-3237	173	22	)	)	PUNCT
fsr-3237	173	23	,	,	PUNCT
fsr-3237	173	24	calculated	calculate	VERB
fsr-3237	173	25	as	as	ADP
fsr-3237	173	26	(	(	PUNCT
fsr-3237	173	27	e	e	NOUN
fsr-3237	173	28	�	�	PROPN
fsr-3237	173	29	)	)	PUNCT
fsr-3237	173	30	.	.	PUNCT
fsr-3237	174	1	irrs	irrs	PROPN
fsr-3237	174	2	are	be	AUX
fsr-3237	174	3	interpreted	interpret	VERB
fsr-3237	174	4	as	as	ADP
fsr-3237	174	5	the	the	DET
fsr-3237	174	6	change	change	NOUN
fsr-3237	174	7	in	in	ADP
fsr-3237	174	8	the	the	DET
fsr-3237	174	9	rate	rate	NOUN
fsr-3237	174	10	ratio	ratio	NOUN
fsr-3237	174	11	of	of	ADP
fsr-3237	174	12	financial	financial	ADJ
fsr-3237	174	13	knowledge	knowledge	NOUN
fsr-3237	174	14	scores	score	NOUN
fsr-3237	174	15	for	for	ADP
fsr-3237	174	16	one	one	NUM
fsr-3237	174	17	unit	unit	NOUN
fsr-3237	174	18	change	change	NOUN
fsr-3237	174	19	in	in	ADP
fsr-3237	174	20	the	the	DET
fsr-3237	174	21	independent	independent	ADJ
fsr-3237	174	22	variable	variable	NOUN
fsr-3237	174	23	.	.	PUNCT
fsr-3237	175	1	in	in	ADP
fsr-3237	175	2	other	other	ADJ
fsr-3237	175	3	words	word	NOUN
fsr-3237	175	4	,	,	PUNCT
fsr-3237	175	5	an	an	DET
fsr-3237	175	6	irr	irr	NOUN
fsr-3237	175	7	�	�	PROPN
fsr-3237	175	8	1	1	NUM
fsr-3237	175	9	(	(	PUNCT
fsr-3237	175	10	�	�	NOUN
fsr-3237	175	11	1	1	NUM
fsr-3237	175	12	)	)	PUNCT
fsr-3237	175	13	implies	imply	VERB
fsr-3237	175	14	a	a	DET
fsr-3237	175	15	one	one	NUM
fsr-3237	175	16	unit	unit	NOUN
fsr-3237	175	17	increase	increase	NOUN
fsr-3237	175	18	in	in	ADP
fsr-3237	175	19	an	an	DET
fsr-3237	175	20	independent	independent	ADJ
fsr-3237	175	21	variable	variable	NOUN
fsr-3237	175	22	will	will	AUX
fsr-3237	175	23	decrease	decrease	VERB
fsr-3237	175	24	(	(	PUNCT
fsr-3237	175	25	increase	increase	VERB
fsr-3237	175	26	)	)	PUNCT
fsr-3237	175	27	the	the	DET
fsr-3237	175	28	predicted	predict	VERB
fsr-3237	175	29	rate	rate	NOUN
fsr-3237	175	30	of	of	ADP
fsr-3237	175	31	financial	financial	ADJ
fsr-3237	175	32	knowledge	knowledge	NOUN
fsr-3237	175	33	scores	score	NOUN
fsr-3237	175	34	by	by	ADP
fsr-3237	175	35	a	a	DET
fsr-3237	175	36	factor	factor	NOUN
fsr-3237	175	37	of	of	ADP
fsr-3237	175	38	the	the	DET
fsr-3237	175	39	reported	report	VERB
fsr-3237	175	40	irr	irr	NOUN
fsr-3237	175	41	for	for	ADP
fsr-3237	175	42	the	the	DET
fsr-3237	175	43	independent	independent	ADJ
fsr-3237	175	44	variable	variable	NOUN
fsr-3237	175	45	.	.	PUNCT
fsr-3237	176	1	table	table	NOUN
fsr-3237	176	2	3	3	NUM
fsr-3237	176	3	summarizes	summarize	NOUN
fsr-3237	176	4	the	the	DET
fsr-3237	176	5	results	result	NOUN
fsr-3237	176	6	from	from	ADP
fsr-3237	176	7	poisson	poisson	PROPN
fsr-3237	176	8	regression	regression	NOUN
fsr-3237	176	9	model	model	NOUN
fsr-3237	176	10	on	on	ADP
fsr-3237	176	11	the	the	DET
fsr-3237	176	12	main	main	ADJ
fsr-3237	176	13	effects	effect	NOUN
fsr-3237	176	14	of	of	ADP
fsr-3237	176	15	financial	financial	ADJ
fsr-3237	176	16	education	education	NOUN
fsr-3237	176	17	,	,	PUNCT
fsr-3237	176	18	financial	financial	ADJ
fsr-3237	176	19	experience	experience	NOUN
fsr-3237	176	20	,	,	PUNCT
fsr-3237	176	21	and	and	CCONJ
fsr-3237	176	22	parents	parent	NOUN
fsr-3237	176	23	’	’	PART
fsr-3237	176	24	financial	financial	ADJ
fsr-3237	176	25	experience	experience	NOUN
fsr-3237	176	26	on	on	ADP
fsr-3237	176	27	financial	financial	ADJ
fsr-3237	176	28	knowledge	knowledge	NOUN
fsr-3237	176	29	scores	score	NOUN
fsr-3237	176	30	,	,	PUNCT
fsr-3237	176	31	after	after	ADP
fsr-3237	176	32	controlling	control	VERB
fsr-3237	176	33	for	for	ADP
fsr-3237	176	34	other	other	ADJ
fsr-3237	176	35	covariates	covariate	NOUN
fsr-3237	176	36	.	.	PUNCT
fsr-3237	177	1	we	we	PRON
fsr-3237	177	2	find	find	VERB
fsr-3237	177	3	that	that	SCONJ
fsr-3237	177	4	financial	financial	ADJ
fsr-3237	177	5	education	education	NOUN
fsr-3237	177	6	significantly	significantly	ADV
fsr-3237	177	7	increases	increase	VERB
fsr-3237	177	8	financial	financial	ADJ
fsr-3237	177	9	knowledge	knowledge	NOUN
fsr-3237	177	10	(	(	PUNCT
fsr-3237	177	11	p	p	NOUN
fsr-3237	177	12	�	�	PROPN
fsr-3237	177	13	0.01	0.01	NUM
fsr-3237	177	14	)	)	PUNCT
fsr-3237	177	15	,	,	PUNCT
fsr-3237	177	16	as	as	SCONJ
fsr-3237	177	17	does	do	VERB
fsr-3237	177	18	financial	financial	ADJ
fsr-3237	177	19	experience	experience	NOUN
fsr-3237	177	20	(	(	PUNCT
fsr-3237	177	21	p	p	NOUN
fsr-3237	177	22	�	�	PROPN
fsr-3237	177	23	0.01	0.01	NUM
fsr-3237	177	24	)	)	PUNCT
fsr-3237	177	25	and	and	CCONJ
fsr-3237	177	26	parents	parent	NOUN
fsr-3237	177	27	’	’	PART
fsr-3237	177	28	financial	financial	ADJ
fsr-3237	177	29	experience	experience	NOUN
fsr-3237	177	30	(	(	PUNCT
fsr-3237	177	31	p	p	NOUN
fsr-3237	177	32	�	�	PROPN
fsr-3237	177	33	0.10	0.10	NUM
fsr-3237	177	34	)	)	PUNCT
fsr-3237	177	35	.	.	PUNCT
fsr-3237	178	1	for	for	ADP
fsr-3237	178	2	example	example	NOUN
fsr-3237	178	3	,	,	PUNCT
fsr-3237	178	4	choosing	choose	VERB
fsr-3237	178	5	finance	finance	NOUN
fsr-3237	178	6	related	relate	VERB
fsr-3237	178	7	subjects	subject	NOUN
fsr-3237	178	8	as	as	SCONJ
fsr-3237	178	9	college	college	NOUN
fsr-3237	178	10	majors	major	NOUN
fsr-3237	178	11	is	be	AUX
fsr-3237	178	12	associated	associate	VERB
fsr-3237	178	13	with	with	ADP
fsr-3237	178	14	a	a	DET
fsr-3237	178	15	12	12	NUM
fsr-3237	178	16	%	%	NOUN
fsr-3237	178	17	increase	increase	NOUN
fsr-3237	178	18	in	in	ADP
fsr-3237	178	19	financial	financial	ADJ
fsr-3237	178	20	knowledge	knowledge	NOUN
fsr-3237	178	21	score	score	NOUN
fsr-3237	178	22	.	.	PUNCT
fsr-3237	179	1	having	have	VERB
fsr-3237	179	2	financial	financial	ADJ
fsr-3237	179	3	experience	experience	NOUN
fsr-3237	179	4	and	and	CCONJ
fsr-3237	179	5	parents	parent	NOUN
fsr-3237	179	6	having	have	VERB
fsr-3237	179	7	financial	financial	ADJ
fsr-3237	179	8	experience	experience	NOUN
fsr-3237	179	9	increase	increase	VERB
fsr-3237	179	10	the	the	DET
fsr-3237	179	11	rate	rate	NOUN
fsr-3237	179	12	of	of	ADP
fsr-3237	179	13	table	table	NOUN
fsr-3237	179	14	2	2	NUM
fsr-3237	179	15	subgroup	subgroup	NOUN
fsr-3237	179	16	analysis	analysis	NOUN
fsr-3237	179	17	no	no	INTJ
fsr-3237	179	18	.	.	PUNCT
fsr-3237	179	19	of	of	ADP
fsr-3237	179	20	obs	obs	PROPN
fsr-3237	179	21	.	.	PUNCT
fsr-3237	180	1	financial	financial	ADJ
fsr-3237	180	2	knowledge	knowledge	NOUN
fsr-3237	180	3	score	score	VERB
fsr-3237	180	4	financial	financial	ADJ
fsr-3237	180	5	education	education	NOUN
fsr-3237	180	6	before	before	ADP
fsr-3237	180	7	2007	2007	NUM
fsr-3237	180	8	a.	a.	NOUN
fsr-3237	180	9	majored	major	VERB
fsr-3237	180	10	in	in	ADP
fsr-3237	180	11	economics	economic	NOUN
fsr-3237	180	12	or	or	CCONJ
fsr-3237	180	13	business	business	NOUN
fsr-3237	180	14	management	management	NOUN
fsr-3237	180	15	before	before	ADP
fsr-3237	180	16	2007	2007	NUM
fsr-3237	180	17	649	649	NUM
fsr-3237	180	18	2.17	2.17	NUM
fsr-3237	180	19	b.	b.	NOUN
fsr-3237	180	20	did	do	AUX
fsr-3237	180	21	not	not	PART
fsr-3237	180	22	major	major	VERB
fsr-3237	180	23	in	in	ADP
fsr-3237	180	24	economics	economic	NOUN
fsr-3237	180	25	or	or	CCONJ
fsr-3237	180	26	business	business	NOUN
fsr-3237	180	27	management	management	NOUN
fsr-3237	180	28	before	before	ADP
fsr-3237	180	29	2007	2007	NUM
fsr-3237	180	30	2,948	2,948	NUM
fsr-3237	180	31	1.77	1.77	NUM
fsr-3237	180	32	f	f	PROPN
fsr-3237	180	33	statistics	statistic	NOUN
fsr-3237	180	34	102.43	102.43	NUM
fsr-3237	180	35	*	*	PUNCT
fsr-3237	180	36	*	*	PUNCT
fsr-3237	180	37	*	*	PUNCT
fsr-3237	180	38	financial	financial	ADJ
fsr-3237	180	39	experience	experience	NOUN
fsr-3237	180	40	before	before	ADP
fsr-3237	180	41	2007	2007	NUM
fsr-3237	180	42	a.	a.	NOUN
fsr-3237	180	43	invested	invest	VERB
fsr-3237	180	44	in	in	ADP
fsr-3237	180	45	stocks	stock	NOUN
fsr-3237	180	46	or	or	CCONJ
fsr-3237	180	47	bonds	bond	NOUN
fsr-3237	180	48	before	before	ADP
fsr-3237	180	49	2007	2007	NUM
fsr-3237	180	50	886	886	NUM
fsr-3237	180	51	2.19	2.19	NUM
fsr-3237	180	52	b.	b.	NOUN
fsr-3237	180	53	did	do	AUX
fsr-3237	180	54	not	not	PART
fsr-3237	180	55	invested	invest	VERB
fsr-3237	180	56	in	in	ADP
fsr-3237	180	57	stocks	stock	NOUN
fsr-3237	180	58	or	or	CCONJ
fsr-3237	180	59	bonds	bond	NOUN
fsr-3237	180	60	before	before	ADP
fsr-3237	180	61	2007	2007	NUM
fsr-3237	180	62	2,711	2,711	NUM
fsr-3237	180	63	1.73	1.73	NUM
fsr-3237	180	64	f	f	PROPN
fsr-3237	180	65	statistics	statistic	NOUN
fsr-3237	181	1	173.04	173.04	NUM
fsr-3237	181	2	*	*	PUNCT
fsr-3237	181	3	*	*	PUNCT
fsr-3237	181	4	*	*	NOUN
fsr-3237	181	5	parents	parent	NOUN
fsr-3237	181	6	’	'	PUNCT
fsr-3237	181	7	financial	financial	ADJ
fsr-3237	181	8	experience	experience	NOUN
fsr-3237	181	9	a.	a.	NOUN
fsr-3237	181	10	parents	parent	NOUN
fsr-3237	181	11	invested	invest	VERB
fsr-3237	181	12	in	in	ADP
fsr-3237	181	13	stocks	stock	NOUN
fsr-3237	181	14	or	or	CCONJ
fsr-3237	181	15	bonds	bond	NOUN
fsr-3237	181	16	or	or	CCONJ
fsr-3237	181	17	had	have	VERB
fsr-3237	181	18	pension	pension	NOUN
fsr-3237	181	19	accounts	account	NOUN
fsr-3237	181	20	2,096	2,096	NUM
fsr-3237	181	21	1.99	1.99	NUM
fsr-3237	181	22	b.	b.	NOUN
fsr-3237	181	23	parents	parent	NOUN
fsr-3237	181	24	did	do	AUX
fsr-3237	181	25	not	not	PART
fsr-3237	181	26	invest	invest	VERB
fsr-3237	181	27	in	in	ADP
fsr-3237	181	28	stocks	stock	NOUN
fsr-3237	181	29	or	or	CCONJ
fsr-3237	181	30	bonds	bond	NOUN
fsr-3237	181	31	or	or	CCONJ
fsr-3237	181	32	had	have	VERB
fsr-3237	181	33	pension	pension	NOUN
fsr-3237	181	34	accounts	account	NOUN
fsr-3237	181	35	1,501	1,501	NUM
fsr-3237	181	36	1.64	1.64	NUM
fsr-3237	181	37	f	f	PROPN
fsr-3237	181	38	statistics	statistic	NOUN
fsr-3237	181	39	123.15	123.15	NUM
fsr-3237	181	40	*	*	PUNCT
fsr-3237	181	41	*	*	PUNCT
fsr-3237	181	42	*	*	PUNCT
fsr-3237	181	43	mean	mean	ADJ
fsr-3237	181	44	financial	financial	ADJ
fsr-3237	181	45	knowledge	knowledge	NOUN
fsr-3237	181	46	scores	score	NOUN
fsr-3237	181	47	for	for	ADP
fsr-3237	181	48	each	each	DET
fsr-3237	181	49	subgroup	subgroup	NOUN
fsr-3237	181	50	are	be	AUX
fsr-3237	181	51	reported	report	VERB
fsr-3237	181	52	.	.	PUNCT
fsr-3237	182	1	f	f	PROPN
fsr-3237	182	2	statistics	statistic	NOUN
fsr-3237	182	3	from	from	ADP
fsr-3237	182	4	anova	anova	PROPN
fsr-3237	182	5	test	test	NOUN
fsr-3237	182	6	is	be	AUX
fsr-3237	182	7	used	use	VERB
fsr-3237	182	8	to	to	PART
fsr-3237	182	9	indicate	indicate	VERB
fsr-3237	182	10	whether	whether	SCONJ
fsr-3237	182	11	financial	financial	ADJ
fsr-3237	182	12	knowledge	knowledge	NOUN
fsr-3237	182	13	scores	score	NOUN
fsr-3237	182	14	differ	differ	VERB
fsr-3237	182	15	significantly	significantly	ADV
fsr-3237	182	16	between	between	ADP
fsr-3237	182	17	subgroups	subgroup	NOUN
fsr-3237	182	18	.	.	PUNCT
fsr-3237	183	1	*	*	PUNCT
fsr-3237	184	1	*	*	PUNCT
fsr-3237	184	2	*	*	PUNCT
fsr-3237	184	3	,	,	PUNCT
fsr-3237	184	4	*	*	PUNCT
fsr-3237	184	5	*	*	PUNCT
fsr-3237	184	6	,	,	PUNCT
fsr-3237	184	7	and	and	CCONJ
fsr-3237	184	8	*	*	PUNCT
fsr-3237	184	9	indicate	indicate	VERB
fsr-3237	184	10	statistical	statistical	ADJ
fsr-3237	184	11	significance	significance	NOUN
fsr-3237	184	12	at	at	ADP
fsr-3237	184	13	the	the	DET
fsr-3237	184	14	1	1	NUM
fsr-3237	184	15	%	%	NOUN
fsr-3237	184	16	,	,	PUNCT
fsr-3237	184	17	5	5	NUM
fsr-3237	184	18	%	%	NOUN
fsr-3237	184	19	,	,	PUNCT
fsr-3237	184	20	and	and	CCONJ
fsr-3237	184	21	10	10	NUM
fsr-3237	184	22	%	%	NOUN
fsr-3237	184	23	levels	level	NOUN
fsr-3237	184	24	,	,	PUNCT
fsr-3237	184	25	respectively	respectively	ADV
fsr-3237	184	26	.	.	PUNCT
fsr-3237	185	1	128	128	NUM
fsr-3237	185	2	n.	n.	PROPN
fsr-3237	185	3	tang	tang	PROPN
fsr-3237	185	4	,	,	PUNCT
fsr-3237	185	5	p.c	p.c	PROPN
fsr-3237	185	6	.	.	PROPN
fsr-3237	185	7	peter	peter	PROPN
fsr-3237	185	8	/	/	SYM
fsr-3237	185	9	financial	financial	ADJ
fsr-3237	185	10	services	service	NOUN
fsr-3237	185	11	review	review	VERB
fsr-3237	185	12	24	24	NUM
fsr-3237	185	13	(	(	PUNCT
fsr-3237	185	14	2015	2015	NUM
fsr-3237	185	15	)	)	PUNCT
fsr-3237	185	16	119–137	119–137	NUM
fsr-3237	185	17	financial	financial	ADJ
fsr-3237	185	18	knowledge	knowledge	NOUN
fsr-3237	185	19	scores	score	NOUN
fsr-3237	185	20	by	by	ADP
fsr-3237	185	21	10	10	NUM
fsr-3237	185	22	%	%	NOUN
fsr-3237	185	23	and	and	CCONJ
fsr-3237	185	24	4	4	NUM
fsr-3237	185	25	%	%	NOUN
fsr-3237	185	26	respectively	respectively	ADV
fsr-3237	185	27	.	.	PUNCT
fsr-3237	186	1	these	these	DET
fsr-3237	186	2	results	result	NOUN
fsr-3237	186	3	confirm	confirm	VERB
fsr-3237	186	4	hypotheses	hypothesis	NOUN
fsr-3237	186	5	hypothesis	hypothesis	NOUN
fsr-3237	186	6	1	1	NUM
fsr-3237	186	7	,	,	PUNCT
fsr-3237	186	8	hypothesis	hypothesis	NOUN
fsr-3237	186	9	2a	2a	NUM
fsr-3237	186	10	,	,	PUNCT
fsr-3237	186	11	and	and	CCONJ
fsr-3237	186	12	hypothesis	hypothesis	NOUN
fsr-3237	186	13	3a	3a	NUM
fsr-3237	186	14	.	.	PUNCT
fsr-3237	187	1	with	with	ADP
fsr-3237	187	2	respect	respect	NOUN
fsr-3237	187	3	to	to	ADP
fsr-3237	187	4	the	the	DET
fsr-3237	187	5	covariates	covariate	NOUN
fsr-3237	187	6	in	in	ADP
fsr-3237	187	7	the	the	DET
fsr-3237	187	8	study	study	NOUN
fsr-3237	187	9	,	,	PUNCT
fsr-3237	187	10	there	there	PRON
fsr-3237	187	11	is	be	VERB
fsr-3237	187	12	a	a	DET
fsr-3237	187	13	significant	significant	ADJ
fsr-3237	187	14	difference	difference	NOUN
fsr-3237	187	15	between	between	ADP
fsr-3237	187	16	men	man	NOUN
fsr-3237	187	17	and	and	CCONJ
fsr-3237	187	18	women	woman	NOUN
fsr-3237	187	19	(	(	PUNCT
fsr-3237	187	20	p	p	X
fsr-3237	187	21	�	�	PROPN
fsr-3237	187	22	0.01	0.01	NUM
fsr-3237	187	23	)	)	PUNCT
fsr-3237	187	24	with	with	ADP
fsr-3237	187	25	respect	respect	NOUN
fsr-3237	187	26	to	to	ADP
fsr-3237	187	27	the	the	DET
fsr-3237	187	28	expected	expect	VERB
fsr-3237	187	29	number	number	NOUN
fsr-3237	187	30	of	of	ADP
fsr-3237	187	31	correct	correct	ADJ
fsr-3237	187	32	financial	financial	ADJ
fsr-3237	187	33	knowledge	knowledge	NOUN
fsr-3237	187	34	questions	question	NOUN
fsr-3237	187	35	answered	answer	VERB
fsr-3237	187	36	.	.	PUNCT
fsr-3237	188	1	the	the	DET
fsr-3237	188	2	results	result	NOUN
fsr-3237	188	3	indicate	indicate	VERB
fsr-3237	188	4	,	,	PUNCT
fsr-3237	188	5	all	all	PRON
fsr-3237	188	6	else	else	ADV
fsr-3237	188	7	held	hold	VERB
fsr-3237	188	8	constant	constant	ADJ
fsr-3237	188	9	,	,	PUNCT
fsr-3237	188	10	men	man	NOUN
fsr-3237	188	11	are	be	AUX
fsr-3237	188	12	expected	expect	VERB
fsr-3237	188	13	to	to	PART
fsr-3237	188	14	exhibit	exhibit	VERB
fsr-3237	188	15	19	19	NUM
fsr-3237	188	16	%	%	NOUN
fsr-3237	188	17	higher	high	ADJ
fsr-3237	188	18	financial	financial	ADJ
fsr-3237	188	19	knowledge	knowledge	NOUN
fsr-3237	188	20	scores	score	NOUN
fsr-3237	188	21	than	than	ADP
fsr-3237	188	22	women	woman	NOUN
fsr-3237	188	23	.	.	PUNCT
fsr-3237	189	1	age	age	NOUN
fsr-3237	189	2	is	be	AUX
fsr-3237	189	3	not	not	PART
fsr-3237	189	4	statistically	statistically	ADV
fsr-3237	189	5	significant	significant	ADJ
fsr-3237	189	6	.	.	PUNCT
fsr-3237	190	1	only	only	ADV
fsr-3237	190	2	black	black	ADJ
fsr-3237	190	3	and	and	CCONJ
fsr-3237	190	4	respondents	respondent	NOUN
fsr-3237	190	5	belong	belong	VERB
fsr-3237	190	6	to	to	ADP
fsr-3237	190	7	the	the	DET
fsr-3237	190	8	“	"	PUNCT
fsr-3237	190	9	other	other	ADJ
fsr-3237	190	10	”	"	PUNCT
fsr-3237	190	11	race	race	NOUN
fsr-3237	190	12	group	group	NOUN
fsr-3237	190	13	are	be	AUX
fsr-3237	190	14	significantly	significantly	ADV
fsr-3237	190	15	different	different	ADJ
fsr-3237	190	16	from	from	ADP
fsr-3237	190	17	the	the	DET
fsr-3237	190	18	reference	reference	NOUN
fsr-3237	190	19	group	group	NOUN
fsr-3237	190	20	(	(	PUNCT
fsr-3237	190	21	white	white	PROPN
fsr-3237	190	22	)	)	PUNCT
fsr-3237	190	23	with	with	ADP
fsr-3237	190	24	respect	respect	NOUN
fsr-3237	190	25	to	to	ADP
fsr-3237	190	26	financial	financial	ADJ
fsr-3237	190	27	knowledge	knowledge	NOUN
fsr-3237	190	28	level	level	NOUN
fsr-3237	190	29	.	.	PUNCT
fsr-3237	191	1	all	all	PRON
fsr-3237	191	2	else	else	ADV
fsr-3237	191	3	equal	equal	ADJ
fsr-3237	191	4	,	,	PUNCT
fsr-3237	191	5	black	black	ADJ
fsr-3237	191	6	respondents	respondent	NOUN
fsr-3237	191	7	report	report	VERB
fsr-3237	191	8	only	only	ADV
fsr-3237	191	9	0.94	0.94	NUM
fsr-3237	191	10	times	time	NOUN
fsr-3237	191	11	as	as	ADV
fsr-3237	191	12	many	many	ADJ
fsr-3237	191	13	correct	correct	ADJ
fsr-3237	191	14	financial	financial	ADJ
fsr-3237	191	15	knowledge	knowledge	NOUN
fsr-3237	191	16	questions	question	NOUN
fsr-3237	191	17	as	as	ADP
fsr-3237	191	18	white	white	ADJ
fsr-3237	191	19	respondents	respondent	NOUN
fsr-3237	191	20	(	(	PUNCT
fsr-3237	191	21	p	p	NOUN
fsr-3237	191	22	�	�	PROPN
fsr-3237	191	23	0.01	0.01	NUM
fsr-3237	191	24	)	)	PUNCT
fsr-3237	191	25	.	.	PUNCT
fsr-3237	192	1	as	as	SCONJ
fsr-3237	192	2	expected	expect	VERB
fsr-3237	192	3	,	,	PUNCT
fsr-3237	192	4	both	both	DET
fsr-3237	192	5	respondents	respondent	NOUN
fsr-3237	192	6	’	'	PUNCT
fsr-3237	192	7	and	and	CCONJ
fsr-3237	192	8	parents	parent	NOUN
fsr-3237	192	9	’	’	PART
fsr-3237	192	10	educational	educational	ADJ
fsr-3237	192	11	attainment	attainment	NOUN
fsr-3237	192	12	and	and	CCONJ
fsr-3237	192	13	respondents	respondent	NOUN
fsr-3237	192	14	’	'	PUNCT
fsr-3237	192	15	income	income	NOUN
fsr-3237	192	16	are	be	AUX
fsr-3237	192	17	highly	highly	ADV
fsr-3237	192	18	significant	significant	ADJ
fsr-3237	192	19	and	and	CCONJ
fsr-3237	192	20	positively	positively	ADV
fsr-3237	192	21	associated	associate	VERB
fsr-3237	192	22	with	with	ADP
fsr-3237	192	23	financial	financial	ADJ
fsr-3237	192	24	knowledge	knowledge	NOUN
fsr-3237	192	25	(	(	PUNCT
fsr-3237	192	26	p	p	NOUN
fsr-3237	192	27	�	�	PROPN
fsr-3237	192	28	0.01	0.01	NUM
fsr-3237	192	29	for	for	ADP
fsr-3237	192	30	all	all	DET
fsr-3237	192	31	variables	variable	NOUN
fsr-3237	192	32	)	)	PUNCT
fsr-3237	192	33	.	.	PUNCT
fsr-3237	193	1	it	it	PRON
fsr-3237	193	2	is	be	AUX
fsr-3237	193	3	surprising	surprising	ADJ
fsr-3237	193	4	to	to	PART
fsr-3237	193	5	find	find	VERB
fsr-3237	193	6	that	that	SCONJ
fsr-3237	193	7	“	"	PUNCT
fsr-3237	193	8	ask	ask	VERB
fsr-3237	193	9	parents	parent	NOUN
fsr-3237	193	10	about	about	ADP
fsr-3237	193	11	finance	finance	NOUN
fsr-3237	193	12	issues	issue	NOUN
fsr-3237	193	13	”	"	PUNCT
fsr-3237	193	14	predicts	predict	VERB
fsr-3237	193	15	lower	low	ADJ
fsr-3237	193	16	financial	financial	ADJ
fsr-3237	193	17	knowledge	knowledge	NOUN
fsr-3237	193	18	.	.	PUNCT
fsr-3237	194	1	one	one	NUM
fsr-3237	194	2	explanation	explanation	NOUN
fsr-3237	194	3	could	could	AUX
fsr-3237	194	4	be	be	AUX
fsr-3237	194	5	that	that	SCONJ
fsr-3237	194	6	those	those	PRON
fsr-3237	194	7	who	who	PRON
fsr-3237	194	8	turn	turn	VERB
fsr-3237	194	9	to	to	ADP
fsr-3237	194	10	parents	parent	NOUN
fsr-3237	194	11	for	for	ADP
fsr-3237	194	12	financial	financial	ADJ
fsr-3237	194	13	advice	advice	NOUN
fsr-3237	194	14	are	be	AUX
fsr-3237	194	15	more	more	ADV
fsr-3237	194	16	likely	likely	ADJ
fsr-3237	194	17	to	to	PART
fsr-3237	194	18	be	be	AUX
fsr-3237	194	19	those	those	PRON
fsr-3237	194	20	who	who	PRON
fsr-3237	194	21	lack	lack	VERB
fsr-3237	194	22	financial	financial	ADJ
fsr-3237	194	23	knowledge	knowledge	NOUN
fsr-3237	194	24	.	.	PUNCT
fsr-3237	195	1	table	table	NOUN
fsr-3237	195	2	3	3	NUM
fsr-3237	195	3	poisson	poisson	NOUN
fsr-3237	195	4	regression	regression	NOUN
fsr-3237	195	5	results	result	VERB
fsr-3237	195	6	main	main	ADJ
fsr-3237	195	7	effects	effect	NOUN
fsr-3237	195	8	irr	irr	PROPN
fsr-3237	195	9	coefficient	coefficient	PROPN
fsr-3237	195	10	sig	sig	PROPN
fsr-3237	195	11	.	.	PUNCT
fsr-3237	195	12	se	se	PROPN
fsr-3237	195	13	intercept	intercept	VERB
fsr-3237	195	14	.95	.95	NUM
fsr-3237	195	15	�	�	PROPN
fsr-3237	195	16	.05	.05	NUM
fsr-3237	195	17	.14	.14	NUM
fsr-3237	195	18	factors	factor	NOUN
fsr-3237	195	19	financial	financial	ADJ
fsr-3237	195	20	education	education	NOUN
fsr-3237	195	21	before	before	ADP
fsr-3237	195	22	2007	2007	NUM
fsr-3237	195	23	1.12	1.12	NUM
fsr-3237	195	24	.11	.11	NUM
fsr-3237	195	25	*	*	PUNCT
fsr-3237	195	26	*	*	PUNCT
fsr-3237	195	27	*	*	PUNCT
fsr-3237	195	28	.02	.02	NUM
fsr-3237	195	29	financial	financial	ADJ
fsr-3237	195	30	experience	experience	NOUN
fsr-3237	195	31	before	before	ADP
fsr-3237	195	32	2007	2007	NUM
fsr-3237	195	33	1.10	1.10	NUM
fsr-3237	195	34	.10	.10	NUM
fsr-3237	195	35	*	*	PUNCT
fsr-3237	196	1	*	*	PUNCT
fsr-3237	196	2	*	*	PUNCT
fsr-3237	196	3	.02	.02	NUM
fsr-3237	196	4	parents	parent	NOUN
fsr-3237	196	5	’	'	PUNCT
fsr-3237	196	6	financial	financial	ADJ
fsr-3237	196	7	experience	experience	NOUN
fsr-3237	196	8	1.04	1.04	NUM
fsr-3237	196	9	.04	.04	NUM
fsr-3237	196	10	*	*	SYM
fsr-3237	196	11	.02	.02	NUM
fsr-3237	196	12	covariates	covariates	PROPN
fsr-3237	196	13	male	male	NOUN
fsr-3237	196	14	1.19	1.19	NUM
fsr-3237	196	15	.17	.17	NUM
fsr-3237	196	16	*	*	PUNCT
fsr-3237	196	17	*	*	PUNCT
fsr-3237	196	18	*	*	PUNCT
fsr-3237	196	19	.02	.02	NUM
fsr-3237	196	20	age	age	NOUN
fsr-3237	196	21	in	in	ADP
fsr-3237	196	22	2007	2007	NUM
fsr-3237	196	23	.99	.99	NUM
fsr-3237	196	24	�	�	NOUN
fsr-3237	196	25	.01	.01	NUM
fsr-3237	196	26	.01	.01	NUM
fsr-3237	196	27	race	race	NOUN
fsr-3237	196	28	(	(	PUNCT
fsr-3237	196	29	ref	ref	NOUN
fsr-3237	196	30	:	:	PUNCT
fsr-3237	196	31	white	white	ADJ
fsr-3237	196	32	)	)	PUNCT
fsr-3237	196	33	black	black	ADJ
fsr-3237	196	34	.94	.94	NUM
fsr-3237	196	35	�	�	NOUN
fsr-3237	196	36	.06	.06	NUM
fsr-3237	196	37	*	*	PUNCT
fsr-3237	196	38	*	*	PUNCT
fsr-3237	196	39	*	*	PUNCT
fsr-3237	196	40	.02	.02	NUM
fsr-3237	196	41	indian	indian	PROPN
fsr-3237	196	42	.97	.97	NUM
fsr-3237	196	43	�	�	PROPN
fsr-3237	196	44	.03	.03	NUM
fsr-3237	196	45	.08	.08	NUM
fsr-3237	196	46	asian	asian	ADJ
fsr-3237	196	47	.97	.97	NUM
fsr-3237	196	48	�	�	PROPN
fsr-3237	196	49	.03	.03	NUM
fsr-3237	196	50	.05	.05	NUM
fsr-3237	196	51	other	other	ADJ
fsr-3237	196	52	.95	.95	NUM
fsr-3237	196	53	�	�	PROPN
fsr-3237	196	54	.05	.05	NUM
fsr-3237	196	55	*	*	SYM
fsr-3237	196	56	.03	.03	NUM
fsr-3237	196	57	education	education	NOUN
fsr-3237	196	58	1.07	1.07	NUM
fsr-3237	196	59	.07	.07	NUM
fsr-3237	196	60	*	*	PUNCT
fsr-3237	197	1	*	*	PUNCT
fsr-3237	197	2	*	*	PUNCT
fsr-3237	197	3	.01	.01	NUM
fsr-3237	197	4	high	high	ADJ
fsr-3237	197	5	school	school	NOUN
fsr-3237	197	6	gpa	gpa	PROPN
fsr-3237	197	7	1.14	1.14	NUM
fsr-3237	197	8	.13	.13	NUM
fsr-3237	198	1	*	*	PUNCT
fsr-3237	198	2	*	*	PUNCT
fsr-3237	198	3	*	*	PUNCT
fsr-3237	198	4	.02	.02	NUM
fsr-3237	198	5	income	income	NOUN
fsr-3237	198	6	from	from	ADP
fsr-3237	198	7	wage	wage	NOUN
fsr-3237	198	8	and	and	CCONJ
fsr-3237	198	9	salary	salary	NOUN
fsr-3237	198	10	in	in	ADP
fsr-3237	198	11	2006	2006	NUM
fsr-3237	198	12	(	(	PUNCT
fsr-3237	198	13	ref	ref	NOUN
fsr-3237	198	14	:	:	PUNCT
fsr-3237	198	15	under	under	ADP
fsr-3237	198	16	$	$	SYM
fsr-3237	198	17	10,000	10,000	NUM
fsr-3237	198	18	)	)	PUNCT
fsr-3237	198	19	$	$	SYM
fsr-3237	198	20	10,000	10,000	NUM
fsr-3237	198	21	to	to	PART
fsr-3237	198	22	$	$	SYM
fsr-3237	198	23	25,000	25,000	NUM
fsr-3237	198	24	1.06	1.06	NUM
fsr-3237	198	25	.06	.06	NUM
fsr-3237	198	26	*	*	PUNCT
fsr-3237	199	1	*	*	PUNCT
fsr-3237	199	2	*	*	PUNCT
fsr-3237	199	3	.02	.02	NUM
fsr-3237	199	4	$	$	SYM
fsr-3237	199	5	25,000	25,000	NUM
fsr-3237	199	6	to	to	PART
fsr-3237	199	7	$	$	SYM
fsr-3237	199	8	50,000	50,000	NUM
fsr-3237	199	9	1.12	1.12	NUM
fsr-3237	199	10	.12	.12	NUM
fsr-3237	199	11	*	*	PUNCT
fsr-3237	199	12	*	*	PUNCT
fsr-3237	199	13	*	*	PUNCT
fsr-3237	199	14	.02	.02	NUM
fsr-3237	199	15	$	$	SYM
fsr-3237	199	16	50,000	50,000	NUM
fsr-3237	199	17	or	or	CCONJ
fsr-3237	199	18	more	more	ADJ
fsr-3237	199	19	1.16	1.16	NUM
fsr-3237	199	20	.15	.15	NUM
fsr-3237	200	1	*	*	PUNCT
fsr-3237	200	2	*	*	PUNCT
fsr-3237	200	3	*	*	PUNCT
fsr-3237	200	4	.03	.03	NUM
fsr-3237	200	5	parents	parent	NOUN
fsr-3237	200	6	’	'	PUNCT
fsr-3237	200	7	education	education	NOUN
fsr-3237	200	8	1.03	1.03	NUM
fsr-3237	200	9	.03	.03	NUM
fsr-3237	200	10	*	*	PUNCT
fsr-3237	200	11	*	*	PUNCT
fsr-3237	200	12	*	*	NOUN
fsr-3237	200	13	.01	.01	NUM
fsr-3237	200	14	ask	ask	VERB
fsr-3237	200	15	parents	parent	NOUN
fsr-3237	200	16	about	about	ADP
fsr-3237	200	17	finance	finance	NOUN
fsr-3237	200	18	issues	issue	NOUN
fsr-3237	200	19	.96	.96	NUM
fsr-3237	200	20	�	�	PROPN
fsr-3237	200	21	.04	.04	NUM
fsr-3237	200	22	*	*	PUNCT
fsr-3237	200	23	*	*	PROPN
fsr-3237	200	24	.02	.02	NUM
fsr-3237	200	25	n	n	NUM
fsr-3237	200	26	3597	3597	NUM
fsr-3237	200	27	wald	wald	X
fsr-3237	200	28	�	�	PROPN
fsr-3237	200	29	2	2	NUM
fsr-3237	200	30	(	(	PUNCT
fsr-3237	200	31	df	df	NOUN
fsr-3237	200	32	)	)	PUNCT
fsr-3237	200	33	987.74	987.74	NUM
fsr-3237	200	34	(	(	PUNCT
fsr-3237	200	35	16	16	NUM
fsr-3237	200	36	)	)	PUNCT
fsr-3237	200	37	aic	aic	PROPN
fsr-3237	200	38	10276.38	10276.38	NUM
fsr-3237	200	39	bic	bic	PROPN
fsr-3237	200	40	10381.57	10381.57	NUM
fsr-3237	200	41	the	the	DET
fsr-3237	200	42	table	table	NOUN
fsr-3237	200	43	shows	show	VERB
fsr-3237	200	44	the	the	DET
fsr-3237	200	45	poisson	poisson	PROPN
fsr-3237	200	46	regression	regression	NOUN
fsr-3237	200	47	results	result	NOUN
fsr-3237	200	48	.	.	PUNCT
fsr-3237	201	1	dependent	dependent	ADJ
fsr-3237	201	2	variable	variable	NOUN
fsr-3237	201	3	is	be	AUX
fsr-3237	201	4	the	the	DET
fsr-3237	201	5	number	number	NOUN
fsr-3237	201	6	of	of	ADP
fsr-3237	201	7	correct	correct	ADJ
fsr-3237	201	8	financial	financial	ADJ
fsr-3237	201	9	knowledge	knowledge	NOUN
fsr-3237	201	10	questions	question	NOUN
fsr-3237	201	11	answered	answer	VERB
fsr-3237	201	12	(	(	PUNCT
fsr-3237	201	13	0–3	0–3	NOUN
fsr-3237	201	14	)	)	PUNCT
fsr-3237	201	15	.	.	PUNCT
fsr-3237	202	1	independent	independent	ADJ
fsr-3237	202	2	variables	variable	NOUN
fsr-3237	202	3	are	be	AUX
fsr-3237	202	4	respondents	respondent	NOUN
fsr-3237	202	5	’	'	PUNCT
fsr-3237	202	6	financial	financial	ADJ
fsr-3237	202	7	education	education	NOUN
fsr-3237	202	8	before	before	ADP
fsr-3237	202	9	2007	2007	NUM
fsr-3237	202	10	,	,	PUNCT
fsr-3237	202	11	financial	financial	ADJ
fsr-3237	202	12	experience	experience	NOUN
fsr-3237	202	13	before	before	ADP
fsr-3237	202	14	2007	2007	NUM
fsr-3237	202	15	and	and	CCONJ
fsr-3237	202	16	parents	parent	NOUN
fsr-3237	202	17	’	’	PART
fsr-3237	202	18	financial	financial	ADJ
fsr-3237	202	19	experience	experience	NOUN
fsr-3237	202	20	.	.	PUNCT
fsr-3237	203	1	control	control	NOUN
fsr-3237	203	2	variables	variable	NOUN
fsr-3237	203	3	include	include	VERB
fsr-3237	203	4	gender	gender	NOUN
fsr-3237	203	5	,	,	PUNCT
fsr-3237	203	6	age	age	NOUN
fsr-3237	203	7	in	in	ADP
fsr-3237	203	8	2007	2007	NUM
fsr-3237	203	9	,	,	PUNCT
fsr-3237	203	10	race	race	NOUN
fsr-3237	203	11	,	,	PUNCT
fsr-3237	203	12	education	education	NOUN
fsr-3237	203	13	,	,	PUNCT
fsr-3237	203	14	high	high	ADJ
fsr-3237	203	15	school	school	NOUN
fsr-3237	203	16	gpa	gpa	PROPN
fsr-3237	203	17	,	,	PUNCT
fsr-3237	203	18	respondents	respondent	NOUN
fsr-3237	203	19	’	'	PUNCT
fsr-3237	203	20	income	income	NOUN
fsr-3237	203	21	from	from	ADP
fsr-3237	203	22	wage	wage	NOUN
fsr-3237	203	23	and	and	CCONJ
fsr-3237	203	24	salary	salary	NOUN
fsr-3237	203	25	in	in	ADP
fsr-3237	203	26	2006	2006	NUM
fsr-3237	203	27	,	,	PUNCT
fsr-3237	203	28	parents	parent	NOUN
fsr-3237	203	29	’	'	PUNCT
fsr-3237	203	30	educational	educational	ADJ
fsr-3237	203	31	attainment	attainment	NOUN
fsr-3237	203	32	,	,	PUNCT
fsr-3237	203	33	and	and	CCONJ
fsr-3237	203	34	whether	whether	SCONJ
fsr-3237	203	35	respondents	respondent	NOUN
fsr-3237	203	36	asked	ask	VERB
fsr-3237	203	37	parents	parent	NOUN
fsr-3237	203	38	about	about	ADP
fsr-3237	203	39	finance	finance	NOUN
fsr-3237	203	40	issues	issue	NOUN
fsr-3237	203	41	.	.	PUNCT
fsr-3237	204	1	regression	regression	NOUN
fsr-3237	204	2	coefficients	coefficient	NOUN
fsr-3237	204	3	(	(	PUNCT
fsr-3237	204	4	�	�	NOUN
fsr-3237	204	5	)	)	PUNCT
fsr-3237	204	6	,	,	PUNCT
fsr-3237	204	7	incidence	incidence	NOUN
fsr-3237	204	8	rate	rate	NOUN
fsr-3237	204	9	ratios	ratio	NOUN
fsr-3237	204	10	(	(	PUNCT
fsr-3237	204	11	irrs	irrs	NOUN
fsr-3237	204	12	)	)	PUNCT
fsr-3237	204	13	calculated	calculate	VERB
fsr-3237	204	14	as	as	ADP
fsr-3237	204	15	(	(	PUNCT
fsr-3237	204	16	e	e	NOUN
fsr-3237	204	17	�	�	NOUN
fsr-3237	204	18	)	)	PUNCT
fsr-3237	204	19	,	,	PUNCT
fsr-3237	204	20	significance	significance	NOUN
fsr-3237	204	21	level	level	NOUN
fsr-3237	204	22	and	and	CCONJ
fsr-3237	204	23	standard	standard	ADJ
fsr-3237	204	24	error	error	NOUN
fsr-3237	204	25	are	be	AUX
fsr-3237	204	26	reported	report	VERB
fsr-3237	204	27	.	.	PUNCT
fsr-3237	205	1	*	*	PUNCT
fsr-3237	206	1	*	*	PUNCT
fsr-3237	206	2	*	*	PUNCT
fsr-3237	206	3	,	,	PUNCT
fsr-3237	206	4	*	*	PUNCT
fsr-3237	206	5	*	*	PUNCT
fsr-3237	206	6	,	,	PUNCT
fsr-3237	206	7	and	and	CCONJ
fsr-3237	206	8	*	*	PUNCT
fsr-3237	206	9	indicate	indicate	VERB
fsr-3237	206	10	statistical	statistical	ADJ
fsr-3237	206	11	significance	significance	NOUN
fsr-3237	206	12	at	at	ADP
fsr-3237	206	13	the	the	DET
fsr-3237	206	14	1	1	NUM
fsr-3237	206	15	%	%	NOUN
fsr-3237	206	16	,	,	PUNCT
fsr-3237	206	17	5	5	NUM
fsr-3237	206	18	%	%	NOUN
fsr-3237	206	19	,	,	PUNCT
fsr-3237	206	20	and	and	CCONJ
fsr-3237	206	21	10	10	NUM
fsr-3237	206	22	%	%	NOUN
fsr-3237	206	23	levels	level	NOUN
fsr-3237	206	24	,	,	PUNCT
fsr-3237	206	25	respectively	respectively	ADV
fsr-3237	206	26	.	.	PUNCT
fsr-3237	207	1	129n	129n	PROPN
fsr-3237	207	2	.	.	PUNCT
fsr-3237	208	1	tang	tang	PROPN
fsr-3237	208	2	,	,	PUNCT
fsr-3237	208	3	p.c	p.c	PROPN
fsr-3237	208	4	.	.	PROPN
fsr-3237	208	5	peter	peter	PROPN
fsr-3237	208	6	/	/	SYM
fsr-3237	208	7	financial	financial	ADJ
fsr-3237	208	8	services	service	NOUN
fsr-3237	208	9	review	review	VERB
fsr-3237	208	10	24	24	NUM
fsr-3237	208	11	(	(	PUNCT
fsr-3237	208	12	2015	2015	NUM
fsr-3237	208	13	)	)	PUNCT
fsr-3237	208	14	119–137	119–137	NUM
fsr-3237	208	15	4.3	4.3	NUM
fsr-3237	208	16	.	.	PUNCT
fsr-3237	209	1	poisson	poisson	PROPN
fsr-3237	209	2	regression	regression	PROPN
fsr-3237	209	3	–	–	PUNCT
fsr-3237	209	4	interaction	interaction	NOUN
fsr-3237	209	5	effects	effect	NOUN
fsr-3237	209	6	to	to	PART
fsr-3237	209	7	evaluate	evaluate	VERB
fsr-3237	209	8	hypothesis	hypothesis	NOUN
fsr-3237	209	9	2b	2b	NOUN
fsr-3237	209	10	and	and	CCONJ
fsr-3237	209	11	hypothesis	hypothesis	NOUN
fsr-3237	209	12	3b	3b	NOUN
fsr-3237	209	13	(	(	PUNCT
fsr-3237	209	14	the	the	DET
fsr-3237	209	15	interaction	interaction	NOUN
fsr-3237	209	16	effects	effect	NOUN
fsr-3237	209	17	)	)	PUNCT
fsr-3237	209	18	,	,	PUNCT
fsr-3237	209	19	we	we	PRON
fsr-3237	209	20	incorporate	incorporate	VERB
fsr-3237	209	21	interaction	interaction	NOUN
fsr-3237	209	22	terms	term	NOUN
fsr-3237	209	23	between	between	ADP
fsr-3237	209	24	financial	financial	ADJ
fsr-3237	209	25	education	education	NOUN
fsr-3237	209	26	and	and	CCONJ
fsr-3237	209	27	financial	financial	ADJ
fsr-3237	209	28	experience	experience	NOUN
fsr-3237	209	29	,	,	PUNCT
fsr-3237	209	30	and	and	CCONJ
fsr-3237	209	31	between	between	ADP
fsr-3237	209	32	financial	financial	ADJ
fsr-3237	209	33	education	education	NOUN
fsr-3237	209	34	and	and	CCONJ
fsr-3237	209	35	parents	parent	NOUN
fsr-3237	209	36	’	’	PART
fsr-3237	209	37	financial	financial	ADJ
fsr-3237	209	38	experience	experience	NOUN
fsr-3237	209	39	into	into	ADP
fsr-3237	209	40	our	our	PRON
fsr-3237	209	41	poisson	poisson	NOUN
fsr-3237	209	42	regression	regression	NOUN
fsr-3237	209	43	model	model	NOUN
fsr-3237	209	44	.	.	PUNCT
fsr-3237	210	1	the	the	DET
fsr-3237	210	2	model	model	NOUN
fsr-3237	210	3	is	be	AUX
fsr-3237	210	4	otherwise	otherwise	ADV
fsr-3237	210	5	the	the	DET
fsr-3237	210	6	same	same	ADJ
fsr-3237	210	7	as	as	ADP
fsr-3237	210	8	the	the	DET
fsr-3237	210	9	main	main	ADJ
fsr-3237	210	10	effects	effect	NOUN
fsr-3237	210	11	only	only	ADV
fsr-3237	210	12	model	model	NOUN
fsr-3237	210	13	.	.	PUNCT
fsr-3237	211	1	before	before	ADP
fsr-3237	211	2	interpreting	interpret	VERB
fsr-3237	211	3	the	the	DET
fsr-3237	211	4	coefficients	coefficient	NOUN
fsr-3237	211	5	on	on	ADP
fsr-3237	211	6	interaction	interaction	NOUN
fsr-3237	211	7	terms	term	NOUN
fsr-3237	211	8	in	in	ADP
fsr-3237	211	9	table	table	NOUN
fsr-3237	211	10	4	4	NUM
fsr-3237	211	11	,	,	PUNCT
fsr-3237	211	12	it	it	PRON
fsr-3237	211	13	should	should	AUX
fsr-3237	211	14	be	be	AUX
fsr-3237	211	15	noted	note	VERB
fsr-3237	211	16	that	that	SCONJ
fsr-3237	211	17	there	there	PRON
fsr-3237	211	18	is	be	VERB
fsr-3237	211	19	a	a	DET
fsr-3237	211	20	baseline	baseline	ADJ
fsr-3237	211	21	difference	difference	NOUN
fsr-3237	211	22	in	in	ADP
fsr-3237	211	23	financial	financial	ADJ
fsr-3237	211	24	knowledge	knowledge	NOUN
fsr-3237	211	25	scores	score	NOUN
fsr-3237	211	26	between	between	ADP
fsr-3237	211	27	those	those	PRON
fsr-3237	211	28	who	who	PRON
fsr-3237	211	29	had	have	VERB
fsr-3237	211	30	financial	financial	ADJ
fsr-3237	211	31	education	education	NOUN
fsr-3237	211	32	in	in	ADP
fsr-3237	211	33	college	college	NOUN
fsr-3237	211	34	and	and	CCONJ
fsr-3237	211	35	those	those	PRON
fsr-3237	211	36	who	who	PRON
fsr-3237	211	37	did	do	VERB
fsr-3237	211	38	not	not	PART
fsr-3237	211	39	.	.	PUNCT
fsr-3237	212	1	after	after	ADP
fsr-3237	212	2	mean	mean	ADV
fsr-3237	212	3	-	-	PUNCT
fsr-3237	212	4	centering	center	VERB
fsr-3237	212	5	,	,	PUNCT
fsr-3237	212	6	marginal	marginal	ADJ
fsr-3237	212	7	means	mean	NOUN
fsr-3237	212	8	of	of	ADP
fsr-3237	212	9	financial	financial	ADJ
fsr-3237	212	10	knowledge	knowledge	NOUN
fsr-3237	212	11	scores	score	NOUN
fsr-3237	212	12	estimated	estimate	VERB
fsr-3237	212	13	from	from	ADP
fsr-3237	212	14	table	table	NOUN
fsr-3237	212	15	4	4	NUM
fsr-3237	212	16	poisson	poisson	NOUN
fsr-3237	212	17	regression	regression	NOUN
fsr-3237	212	18	results	result	NOUN
fsr-3237	212	19	–	–	PUNCT
fsr-3237	212	20	interaction	interaction	NOUN
fsr-3237	212	21	effects	effect	NOUN
fsr-3237	212	22	irr	irr	PROPN
fsr-3237	212	23	coefficient	coefficient	PROPN
fsr-3237	212	24	sig	sig	PROPN
fsr-3237	212	25	.	.	PUNCT
fsr-3237	212	26	se	se	PROPN
fsr-3237	212	27	intercept	intercept	VERB
fsr-3237	212	28	.95	.95	NUM
fsr-3237	212	29	�	�	PROPN
fsr-3237	212	30	.06	.06	NUM
fsr-3237	212	31	.14	.14	NUM
fsr-3237	212	32	factors	factor	NOUN
fsr-3237	212	33	financial	financial	ADJ
fsr-3237	212	34	education	education	NOUN
fsr-3237	212	35	before	before	ADP
fsr-3237	212	36	2007	2007	NUM
fsr-3237	212	37	1.20	1.20	NUM
fsr-3237	212	38	.18	.18	NUM
fsr-3237	213	1	*	*	PUNCT
fsr-3237	213	2	*	*	PUNCT
fsr-3237	213	3	*	*	PUNCT
fsr-3237	213	4	.03	.03	NUM
fsr-3237	213	5	financial	financial	ADJ
fsr-3237	213	6	experience	experience	NOUN
fsr-3237	213	7	before	before	ADP
fsr-3237	213	8	2007	2007	NUM
fsr-3237	213	9	1.12	1.12	NUM
fsr-3237	213	10	.12	.12	NUM
fsr-3237	213	11	*	*	PUNCT
fsr-3237	213	12	*	*	PUNCT
fsr-3237	213	13	*	*	PUNCT
fsr-3237	213	14	.02	.02	NUM
fsr-3237	213	15	parents	parent	NOUN
fsr-3237	213	16	’	'	PUNCT
fsr-3237	213	17	financial	financial	ADJ
fsr-3237	213	18	experience	experience	NOUN
fsr-3237	213	19	1.05	1.05	NUM
fsr-3237	213	20	.05	.05	NUM
fsr-3237	213	21	*	*	PUNCT
fsr-3237	213	22	*	*	PUNCT
fsr-3237	213	23	.02	.02	NUM
fsr-3237	213	24	financial	financial	ADJ
fsr-3237	213	25	education	education	NOUN
fsr-3237	213	26	before	before	ADP
fsr-3237	213	27	2007	2007	NUM
fsr-3237	213	28	*	*	SYM
fsr-3237	213	29	.93	.93	NUM
fsr-3237	213	30	�	�	PROPN
fsr-3237	213	31	.07	.07	NUM
fsr-3237	213	32	*	*	PUNCT
fsr-3237	213	33	*	*	PUNCT
fsr-3237	213	34	.03	.03	NUM
fsr-3237	213	35	financial	financial	ADJ
fsr-3237	213	36	experience	experience	NOUN
fsr-3237	213	37	before	before	ADP
fsr-3237	213	38	2007	2007	NUM
fsr-3237	213	39	financial	financial	ADJ
fsr-3237	213	40	education	education	NOUN
fsr-3237	213	41	before	before	ADP
fsr-3237	213	42	2007	2007	NUM
fsr-3237	213	43	*	*	SYM
fsr-3237	213	44	.93	.93	NUM
fsr-3237	213	45	�	�	PROPN
fsr-3237	213	46	.07	.07	NUM
fsr-3237	213	47	*	*	SYM
fsr-3237	213	48	.04	.04	NUM
fsr-3237	213	49	parents	parent	NOUN
fsr-3237	213	50	’	'	PUNCT
fsr-3237	213	51	financial	financial	ADJ
fsr-3237	213	52	experience	experience	NOUN
fsr-3237	213	53	covariates	covariate	VERB
fsr-3237	213	54	male	male	NOUN
fsr-3237	213	55	1.19	1.19	NUM
fsr-3237	213	56	.18	.18	NUM
fsr-3237	214	1	*	*	PUNCT
fsr-3237	215	1	*	*	PUNCT
fsr-3237	215	2	*	*	PUNCT
fsr-3237	215	3	.02	.02	NUM
fsr-3237	215	4	age	age	NOUN
fsr-3237	215	5	in	in	ADP
fsr-3237	215	6	2007	2007	NUM
fsr-3237	215	7	.99	.99	NUM
fsr-3237	215	8	�	�	NOUN
fsr-3237	215	9	.01	.01	NUM
fsr-3237	215	10	.01	.01	NUM
fsr-3237	215	11	race	race	NOUN
fsr-3237	215	12	(	(	PUNCT
fsr-3237	215	13	ref	ref	NOUN
fsr-3237	215	14	:	:	PUNCT
fsr-3237	215	15	white	white	ADJ
fsr-3237	215	16	)	)	PUNCT
fsr-3237	215	17	black	black	ADJ
fsr-3237	215	18	.94	.94	NUM
fsr-3237	215	19	�	�	NOUN
fsr-3237	215	20	.06	.06	NUM
fsr-3237	215	21	*	*	PUNCT
fsr-3237	216	1	*	*	PUNCT
fsr-3237	216	2	*	*	PUNCT
fsr-3237	216	3	.02	.02	NUM
fsr-3237	216	4	indian	indian	PROPN
fsr-3237	216	5	.96	.96	NUM
fsr-3237	216	6	�	�	PROPN
fsr-3237	216	7	.04	.04	NUM
fsr-3237	216	8	.08	.08	NUM
fsr-3237	216	9	asian	asian	ADJ
fsr-3237	216	10	.98	.98	NUM
fsr-3237	216	11	�	�	PROPN
fsr-3237	216	12	.02	.02	NUM
fsr-3237	216	13	.05	.05	NUM
fsr-3237	216	14	other	other	ADJ
fsr-3237	216	15	.95	.95	NUM
fsr-3237	216	16	�	�	PROPN
fsr-3237	216	17	.05	.05	NUM
fsr-3237	216	18	*	*	SYM
fsr-3237	216	19	.03	.03	NUM
fsr-3237	216	20	education	education	NOUN
fsr-3237	216	21	1.07	1.07	NUM
fsr-3237	216	22	.07	.07	NUM
fsr-3237	217	1	*	*	PUNCT
fsr-3237	217	2	*	*	PUNCT
fsr-3237	217	3	*	*	PUNCT
fsr-3237	217	4	.01	.01	NUM
fsr-3237	217	5	high	high	ADJ
fsr-3237	217	6	school	school	NOUN
fsr-3237	217	7	gpa	gpa	PROPN
fsr-3237	217	8	1.14	1.14	NUM
fsr-3237	217	9	.13	.13	NUM
fsr-3237	218	1	*	*	PUNCT
fsr-3237	218	2	*	*	PUNCT
fsr-3237	218	3	*	*	PUNCT
fsr-3237	218	4	.02	.02	NUM
fsr-3237	218	5	income	income	NOUN
fsr-3237	218	6	from	from	ADP
fsr-3237	218	7	wage	wage	NOUN
fsr-3237	218	8	and	and	CCONJ
fsr-3237	218	9	salary	salary	NOUN
fsr-3237	218	10	in	in	ADP
fsr-3237	218	11	2006	2006	NUM
fsr-3237	218	12	(	(	PUNCT
fsr-3237	218	13	ref	ref	NOUN
fsr-3237	218	14	:	:	PUNCT
fsr-3237	218	15	under	under	ADP
fsr-3237	218	16	$	$	SYM
fsr-3237	218	17	10,000	10,000	NUM
fsr-3237	218	18	)	)	PUNCT
fsr-3237	218	19	$	$	SYM
fsr-3237	218	20	10,000	10,000	NUM
fsr-3237	218	21	to	to	PART
fsr-3237	218	22	$	$	SYM
fsr-3237	218	23	25,000	25,000	NUM
fsr-3237	218	24	1.06	1.06	NUM
fsr-3237	218	25	.05	.05	NUM
fsr-3237	218	26	*	*	PUNCT
fsr-3237	219	1	*	*	PUNCT
fsr-3237	219	2	.02	.02	NUM
fsr-3237	219	3	$	$	SYM
fsr-3237	219	4	25,000	25,000	NUM
fsr-3237	219	5	to	to	PART
fsr-3237	219	6	$	$	SYM
fsr-3237	219	7	50,000	50,000	NUM
fsr-3237	219	8	1.12	1.12	NUM
fsr-3237	219	9	.11	.11	NUM
fsr-3237	219	10	*	*	PUNCT
fsr-3237	219	11	*	*	PUNCT
fsr-3237	219	12	*	*	PUNCT
fsr-3237	219	13	.02	.02	NUM
fsr-3237	219	14	$	$	SYM
fsr-3237	219	15	50,000	50,000	NUM
fsr-3237	219	16	or	or	CCONJ
fsr-3237	219	17	more	more	ADJ
fsr-3237	219	18	1.16	1.16	NUM
fsr-3237	219	19	.15	.15	NUM
fsr-3237	220	1	*	*	PUNCT
fsr-3237	220	2	*	*	PUNCT
fsr-3237	220	3	*	*	PUNCT
fsr-3237	220	4	.03	.03	NUM
fsr-3237	220	5	parents	parent	NOUN
fsr-3237	220	6	’	'	PUNCT
fsr-3237	220	7	education	education	NOUN
fsr-3237	220	8	1.03	1.03	NUM
fsr-3237	220	9	.03	.03	NUM
fsr-3237	220	10	*	*	PUNCT
fsr-3237	220	11	*	*	PUNCT
fsr-3237	220	12	*	*	NOUN
fsr-3237	220	13	.01	.01	NUM
fsr-3237	220	14	ask	ask	VERB
fsr-3237	220	15	parents	parent	NOUN
fsr-3237	220	16	about	about	ADP
fsr-3237	220	17	finance	finance	NOUN
fsr-3237	220	18	issues	issue	NOUN
fsr-3237	220	19	.96	.96	NUM
fsr-3237	220	20	�	�	PROPN
fsr-3237	220	21	.04	.04	NUM
fsr-3237	220	22	*	*	PUNCT
fsr-3237	220	23	*	*	PROPN
fsr-3237	220	24	.02	.02	NUM
fsr-3237	220	25	n	n	NUM
fsr-3237	220	26	3597	3597	NUM
fsr-3237	220	27	wald	wald	X
fsr-3237	220	28	�	�	PROPN
fsr-3237	220	29	2	2	NUM
fsr-3237	220	30	(	(	PUNCT
fsr-3237	220	31	df	df	PROPN
fsr-3237	220	32	)	)	PUNCT
fsr-3237	220	33	996.38	996.38	NUM
fsr-3237	220	34	(	(	PUNCT
fsr-3237	220	35	18	18	NUM
fsr-3237	220	36	)	)	PUNCT
fsr-3237	220	37	aic	aic	PROPN
fsr-3237	220	38	10277.70	10277.70	NUM
fsr-3237	220	39	bic	bic	PROPN
fsr-3237	220	40	10395.27	10395.27	NUM
fsr-3237	220	41	the	the	DET
fsr-3237	220	42	table	table	NOUN
fsr-3237	220	43	shows	show	VERB
fsr-3237	220	44	the	the	DET
fsr-3237	220	45	results	result	NOUN
fsr-3237	220	46	of	of	ADP
fsr-3237	220	47	poisson	poisson	PROPN
fsr-3237	220	48	regression	regression	NOUN
fsr-3237	220	49	with	with	ADP
fsr-3237	220	50	interaction	interaction	NOUN
fsr-3237	220	51	effects	effect	NOUN
fsr-3237	220	52	.	.	PUNCT
fsr-3237	221	1	dependent	dependent	ADJ
fsr-3237	221	2	variable	variable	NOUN
fsr-3237	221	3	is	be	AUX
fsr-3237	221	4	the	the	DET
fsr-3237	221	5	number	number	NOUN
fsr-3237	221	6	of	of	ADP
fsr-3237	221	7	correct	correct	ADJ
fsr-3237	221	8	financial	financial	ADJ
fsr-3237	221	9	knowledge	knowledge	NOUN
fsr-3237	221	10	questions	question	NOUN
fsr-3237	221	11	answered	answer	VERB
fsr-3237	221	12	(	(	PUNCT
fsr-3237	221	13	0–3	0–3	NOUN
fsr-3237	221	14	)	)	PUNCT
fsr-3237	221	15	.	.	PUNCT
fsr-3237	222	1	independent	independent	ADJ
fsr-3237	222	2	variables	variable	NOUN
fsr-3237	222	3	are	be	AUX
fsr-3237	222	4	respondents	respondent	NOUN
fsr-3237	222	5	’	'	PUNCT
fsr-3237	222	6	financial	financial	ADJ
fsr-3237	222	7	education	education	NOUN
fsr-3237	222	8	before	before	ADP
fsr-3237	222	9	2007	2007	NUM
fsr-3237	222	10	,	,	PUNCT
fsr-3237	222	11	financial	financial	ADJ
fsr-3237	222	12	experience	experience	NOUN
fsr-3237	222	13	before	before	ADP
fsr-3237	222	14	2007	2007	NUM
fsr-3237	222	15	,	,	PUNCT
fsr-3237	222	16	parents	parent	NOUN
fsr-3237	222	17	’	'	PUNCT
fsr-3237	222	18	financial	financial	ADJ
fsr-3237	222	19	experience	experience	NOUN
fsr-3237	222	20	,	,	PUNCT
fsr-3237	222	21	interaction	interaction	NOUN
fsr-3237	222	22	between	between	ADP
fsr-3237	222	23	financial	financial	ADJ
fsr-3237	222	24	education	education	NOUN
fsr-3237	222	25	before	before	ADP
fsr-3237	222	26	2007	2007	NUM
fsr-3237	222	27	and	and	CCONJ
fsr-3237	222	28	financial	financial	ADJ
fsr-3237	222	29	experience	experience	NOUN
fsr-3237	222	30	before	before	ADP
fsr-3237	222	31	2007	2007	NUM
fsr-3237	222	32	,	,	PUNCT
fsr-3237	222	33	and	and	CCONJ
fsr-3237	222	34	interaction	interaction	NOUN
fsr-3237	222	35	between	between	ADP
fsr-3237	222	36	financial	financial	ADJ
fsr-3237	222	37	education	education	NOUN
fsr-3237	222	38	before	before	ADP
fsr-3237	222	39	2007	2007	NUM
fsr-3237	222	40	and	and	CCONJ
fsr-3237	222	41	parents	parent	NOUN
fsr-3237	222	42	’	’	PART
fsr-3237	222	43	financial	financial	ADJ
fsr-3237	222	44	experience	experience	NOUN
fsr-3237	222	45	.	.	PUNCT
fsr-3237	223	1	control	control	NOUN
fsr-3237	223	2	variables	variable	NOUN
fsr-3237	223	3	include	include	VERB
fsr-3237	223	4	gender	gender	NOUN
fsr-3237	223	5	,	,	PUNCT
fsr-3237	223	6	age	age	NOUN
fsr-3237	223	7	in	in	ADP
fsr-3237	223	8	2007	2007	NUM
fsr-3237	223	9	,	,	PUNCT
fsr-3237	223	10	race	race	NOUN
fsr-3237	223	11	,	,	PUNCT
fsr-3237	223	12	education	education	NOUN
fsr-3237	223	13	,	,	PUNCT
fsr-3237	223	14	high	high	ADJ
fsr-3237	223	15	school	school	NOUN
fsr-3237	223	16	gpa	gpa	PROPN
fsr-3237	223	17	,	,	PUNCT
fsr-3237	223	18	respondents	respondent	NOUN
fsr-3237	223	19	’	'	PUNCT
fsr-3237	223	20	income	income	NOUN
fsr-3237	223	21	from	from	ADP
fsr-3237	223	22	wage	wage	NOUN
fsr-3237	223	23	and	and	CCONJ
fsr-3237	223	24	salary	salary	NOUN
fsr-3237	223	25	in	in	ADP
fsr-3237	223	26	2006	2006	NUM
fsr-3237	223	27	,	,	PUNCT
fsr-3237	223	28	parents	parent	NOUN
fsr-3237	223	29	’	'	PUNCT
fsr-3237	223	30	education	education	NOUN
fsr-3237	223	31	attainment	attainment	NOUN
fsr-3237	223	32	,	,	PUNCT
fsr-3237	223	33	and	and	CCONJ
fsr-3237	223	34	whether	whether	SCONJ
fsr-3237	223	35	respondents	respondent	NOUN
fsr-3237	223	36	asked	ask	VERB
fsr-3237	223	37	parents	parent	NOUN
fsr-3237	223	38	about	about	ADP
fsr-3237	223	39	finance	finance	NOUN
fsr-3237	223	40	issues	issue	NOUN
fsr-3237	223	41	.	.	PUNCT
fsr-3237	224	1	regression	regression	NOUN
fsr-3237	224	2	coefficients	coefficient	NOUN
fsr-3237	224	3	(	(	PUNCT
fsr-3237	224	4	�	�	NOUN
fsr-3237	224	5	)	)	PUNCT
fsr-3237	224	6	,	,	PUNCT
fsr-3237	224	7	incidence	incidence	NOUN
fsr-3237	224	8	rate	rate	NOUN
fsr-3237	224	9	ratios	ratio	NOUN
fsr-3237	224	10	(	(	PUNCT
fsr-3237	224	11	irrs	irrs	NOUN
fsr-3237	224	12	)	)	PUNCT
fsr-3237	224	13	calculated	calculate	VERB
fsr-3237	224	14	as	as	ADP
fsr-3237	224	15	(	(	PUNCT
fsr-3237	224	16	e	e	NOUN
fsr-3237	224	17	�	�	NOUN
fsr-3237	224	18	)	)	PUNCT
fsr-3237	224	19	,	,	PUNCT
fsr-3237	224	20	significance	significance	NOUN
fsr-3237	224	21	level	level	NOUN
fsr-3237	224	22	and	and	CCONJ
fsr-3237	224	23	standard	standard	ADJ
fsr-3237	224	24	error	error	NOUN
fsr-3237	224	25	are	be	AUX
fsr-3237	224	26	reported	report	VERB
fsr-3237	224	27	.	.	PUNCT
fsr-3237	225	1	*	*	PUNCT
fsr-3237	226	1	*	*	PUNCT
fsr-3237	226	2	*	*	PUNCT
fsr-3237	226	3	,	,	PUNCT
fsr-3237	226	4	*	*	PUNCT
fsr-3237	226	5	*	*	PUNCT
fsr-3237	226	6	,	,	PUNCT
fsr-3237	226	7	and	and	CCONJ
fsr-3237	226	8	*	*	PUNCT
fsr-3237	226	9	indicate	indicate	VERB
fsr-3237	226	10	statistical	statistical	ADJ
fsr-3237	226	11	significance	significance	NOUN
fsr-3237	226	12	at	at	ADP
fsr-3237	226	13	the	the	DET
fsr-3237	226	14	1	1	NUM
fsr-3237	226	15	%	%	NOUN
fsr-3237	226	16	,	,	PUNCT
fsr-3237	226	17	5	5	NUM
fsr-3237	226	18	%	%	NOUN
fsr-3237	226	19	,	,	PUNCT
fsr-3237	226	20	and	and	CCONJ
fsr-3237	226	21	10	10	NUM
fsr-3237	226	22	%	%	NOUN
fsr-3237	226	23	levels	level	NOUN
fsr-3237	226	24	,	,	PUNCT
fsr-3237	226	25	respectively	respectively	ADV
fsr-3237	226	26	.	.	PUNCT
fsr-3237	227	1	130	130	NUM
fsr-3237	227	2	n.	n.	PROPN
fsr-3237	227	3	tang	tang	PROPN
fsr-3237	227	4	,	,	PUNCT
fsr-3237	227	5	p.c	p.c	PROPN
fsr-3237	227	6	.	.	PROPN
fsr-3237	227	7	peter	peter	PROPN
fsr-3237	227	8	/	/	SYM
fsr-3237	227	9	financial	financial	ADJ
fsr-3237	227	10	services	service	NOUN
fsr-3237	227	11	review	review	VERB
fsr-3237	227	12	24	24	NUM
fsr-3237	227	13	(	(	PUNCT
fsr-3237	227	14	2015	2015	NUM
fsr-3237	227	15	)	)	PUNCT
fsr-3237	227	16	119–137	119–137	NUM
fsr-3237	227	17	poisson	poisson	NOUN
fsr-3237	227	18	regression	regression	NOUN
fsr-3237	227	19	for	for	ADP
fsr-3237	227	20	those	those	PRON
fsr-3237	227	21	who	who	PRON
fsr-3237	227	22	received	receive	VERB
fsr-3237	227	23	financial	financial	ADJ
fsr-3237	227	24	education	education	NOUN
fsr-3237	227	25	in	in	ADP
fsr-3237	227	26	college	college	NOUN
fsr-3237	227	27	are	be	AUX
fsr-3237	227	28	1.80	1.80	NUM
fsr-3237	227	29	(	(	PUNCT
fsr-3237	227	30	se	se	X
fsr-3237	227	31	�	�	PROPN
fsr-3237	227	32	0.07	0.07	NUM
fsr-3237	227	33	)	)	PUNCT
fsr-3237	227	34	and	and	CCONJ
fsr-3237	227	35	1.50	1.50	NUM
fsr-3237	227	36	for	for	ADP
fsr-3237	227	37	those	those	PRON
fsr-3237	227	38	who	who	PRON
fsr-3237	227	39	did	do	AUX
fsr-3237	227	40	not	not	PART
fsr-3237	227	41	receive	receive	VERB
fsr-3237	227	42	finance	finance	NOUN
fsr-3237	227	43	education	education	NOUN
fsr-3237	227	44	in	in	ADP
fsr-3237	227	45	college	college	PROPN
fsr-3237	227	46	(	(	PUNCT
fsr-3237	227	47	se	se	X
fsr-3237	227	48	�	�	PROPN
fsr-3237	227	49	0.04	0.04	NUM
fsr-3237	227	50	)	)	PUNCT
fsr-3237	227	51	.	.	PUNCT
fsr-3237	228	1	this	this	DET
fsr-3237	228	2	difference	difference	NOUN
fsr-3237	228	3	needs	need	VERB
fsr-3237	228	4	special	special	ADJ
fsr-3237	228	5	attention	attention	NOUN
fsr-3237	228	6	because	because	SCONJ
fsr-3237	228	7	poisson	poisson	PROPN
fsr-3237	228	8	regression	regression	NOUN
fsr-3237	228	9	coefficients	coefficient	NOUN
fsr-3237	228	10	can	can	AUX
fsr-3237	228	11	be	be	AUX
fsr-3237	228	12	interpreted	interpret	VERB
fsr-3237	228	13	as	as	SCONJ
fsr-3237	228	14	the	the	DET
fsr-3237	228	15	percentage	percentage	NOUN
fsr-3237	228	16	predicted	predict	VERB
fsr-3237	228	17	change	change	NOUN
fsr-3237	228	18	in	in	ADP
fsr-3237	228	19	financial	financial	ADJ
fsr-3237	228	20	knowledge	knowledge	NOUN
fsr-3237	228	21	scores	score	NOUN
fsr-3237	228	22	expected	expect	VERB
fsr-3237	228	23	by	by	ADP
fsr-3237	228	24	one	one	NUM
fsr-3237	228	25	unit	unit	NOUN
fsr-3237	228	26	change	change	NOUN
fsr-3237	228	27	in	in	ADP
fsr-3237	228	28	a	a	DET
fsr-3237	228	29	predictor	predictor	NOUN
fsr-3237	228	30	,	,	PUNCT
fsr-3237	228	31	not	not	PART
fsr-3237	228	32	the	the	DET
fsr-3237	228	33	unit	unit	NOUN
fsr-3237	228	34	predicted	predict	VERB
fsr-3237	228	35	change	change	NOUN
fsr-3237	228	36	in	in	ADP
fsr-3237	228	37	financial	financial	ADJ
fsr-3237	228	38	knowledge	knowledge	NOUN
fsr-3237	228	39	scores	score	NOUN
fsr-3237	228	40	(	(	PUNCT
fsr-3237	228	41	coxe	coxe	PROPN
fsr-3237	228	42	,	,	PUNCT
fsr-3237	228	43	west	west	PROPN
fsr-3237	228	44	,	,	PUNCT
fsr-3237	228	45	and	and	CCONJ
fsr-3237	228	46	aiken	aiken	PROPN
fsr-3237	228	47	,	,	PUNCT
fsr-3237	228	48	2009	2009	NUM
fsr-3237	228	49	)	)	PUNCT
fsr-3237	228	50	.	.	PUNCT
fsr-3237	229	1	thus	thus	ADV
fsr-3237	229	2	,	,	PUNCT
fsr-3237	229	3	an	an	DET
fsr-3237	229	4	equal	equal	ADJ
fsr-3237	229	5	percentage	percentage	NOUN
fsr-3237	229	6	change	change	NOUN
fsr-3237	229	7	for	for	ADP
fsr-3237	229	8	those	those	PRON
fsr-3237	229	9	with	with	ADP
fsr-3237	229	10	and	and	CCONJ
fsr-3237	229	11	without	without	ADP
fsr-3237	229	12	financial	financial	ADJ
fsr-3237	229	13	education	education	NOUN
fsr-3237	229	14	will	will	AUX
fsr-3237	229	15	ultimately	ultimately	ADV
fsr-3237	229	16	result	result	VERB
fsr-3237	229	17	in	in	ADP
fsr-3237	229	18	an	an	DET
fsr-3237	229	19	even	even	ADV
fsr-3237	229	20	greater	great	ADJ
fsr-3237	229	21	difference	difference	NOUN
fsr-3237	229	22	in	in	ADP
fsr-3237	229	23	financial	financial	ADJ
fsr-3237	229	24	knowledge	knowledge	NOUN
fsr-3237	229	25	scores	score	NOUN
fsr-3237	229	26	because	because	SCONJ
fsr-3237	229	27	those	those	PRON
fsr-3237	229	28	who	who	PRON
fsr-3237	229	29	had	have	VERB
fsr-3237	229	30	financial	financial	ADJ
fsr-3237	229	31	education	education	NOUN
fsr-3237	229	32	in	in	ADP
fsr-3237	229	33	college	college	NOUN
fsr-3237	229	34	have	have	VERB
fsr-3237	229	35	a	a	DET
fsr-3237	229	36	higher	high	ADJ
fsr-3237	229	37	baseline	baseline	NOUN
fsr-3237	229	38	of	of	ADP
fsr-3237	229	39	predicted	predict	VERB
fsr-3237	229	40	financial	financial	ADJ
fsr-3237	229	41	knowledge	knowledge	NOUN
fsr-3237	229	42	scores	score	NOUN
fsr-3237	229	43	(	(	PUNCT
fsr-3237	229	44	i.e.	i.e.	X
fsr-3237	229	45	,	,	PUNCT
fsr-3237	229	46	as	as	SCONJ
fsr-3237	229	47	the	the	DET
fsr-3237	229	48	value	value	NOUN
fsr-3237	229	49	of	of	ADP
fsr-3237	229	50	any	any	DET
fsr-3237	229	51	number	number	NOUN
fsr-3237	229	52	becomes	become	VERB
fsr-3237	229	53	larger	large	ADJ
fsr-3237	229	54	,	,	PUNCT
fsr-3237	229	55	a	a	DET
fsr-3237	229	56	constant	constant	ADJ
fsr-3237	229	57	percentage	percentage	NOUN
fsr-3237	229	58	change	change	NOUN
fsr-3237	229	59	will	will	AUX
fsr-3237	229	60	result	result	VERB
fsr-3237	229	61	in	in	ADP
fsr-3237	229	62	an	an	DET
fsr-3237	229	63	increasingly	increasingly	ADV
fsr-3237	229	64	larger	large	ADJ
fsr-3237	229	65	absolute	absolute	ADJ
fsr-3237	229	66	change	change	NOUN
fsr-3237	229	67	in	in	ADP
fsr-3237	229	68	the	the	DET
fsr-3237	229	69	number	number	NOUN
fsr-3237	229	70	)	)	PUNCT
fsr-3237	229	71	.	.	PUNCT
fsr-3237	230	1	for	for	ADP
fsr-3237	230	2	the	the	DET
fsr-3237	230	3	aforementioned	aforementioned	ADJ
fsr-3237	230	4	reasons	reason	NOUN
fsr-3237	230	5	,	,	PUNCT
fsr-3237	230	6	one	one	NUM
fsr-3237	230	7	intuitive	intuitive	ADJ
fsr-3237	230	8	and	and	CCONJ
fsr-3237	230	9	recommended	recommend	VERB
fsr-3237	230	10	approach	approach	NOUN
fsr-3237	230	11	to	to	PART
fsr-3237	230	12	better	well	ADV
fsr-3237	230	13	understand	understand	VERB
fsr-3237	230	14	the	the	DET
fsr-3237	230	15	results	result	NOUN
fsr-3237	230	16	of	of	ADP
fsr-3237	230	17	poisson	poisson	NOUN
fsr-3237	230	18	regression	regression	NOUN
fsr-3237	230	19	interactions	interaction	NOUN
fsr-3237	230	20	is	be	AUX
fsr-3237	230	21	to	to	PART
fsr-3237	230	22	visually	visually	ADV
fsr-3237	230	23	plot	plot	VERB
fsr-3237	230	24	the	the	DET
fsr-3237	230	25	marginal	marginal	ADJ
fsr-3237	230	26	predicted	predict	VERB
fsr-3237	230	27	financial	financial	ADJ
fsr-3237	230	28	knowledge	knowledge	NOUN
fsr-3237	230	29	scores	score	NOUN
fsr-3237	230	30	for	for	ADP
fsr-3237	230	31	those	those	PRON
fsr-3237	230	32	had	have	VERB
fsr-3237	230	33	financial	financial	ADJ
fsr-3237	230	34	education	education	NOUN
fsr-3237	230	35	and	and	CCONJ
fsr-3237	230	36	those	those	PRON
fsr-3237	230	37	did	do	AUX
fsr-3237	230	38	not	not	PART
fsr-3237	230	39	across	across	ADP
fsr-3237	230	40	values	value	NOUN
fsr-3237	230	41	of	of	ADP
fsr-3237	230	42	each	each	DET
fsr-3237	230	43	respective	respective	ADJ
fsr-3237	230	44	independent	independent	ADJ
fsr-3237	230	45	variable	variable	NOUN
fsr-3237	230	46	,	,	PUNCT
fsr-3237	230	47	holding	hold	VERB
fsr-3237	230	48	all	all	DET
fsr-3237	230	49	other	other	ADJ
fsr-3237	230	50	variables	variable	NOUN
fsr-3237	230	51	constant	constant	ADJ
fsr-3237	230	52	at	at	ADP
fsr-3237	230	53	their	their	PRON
fsr-3237	230	54	mean	mean	NOUN
fsr-3237	230	55	or	or	CCONJ
fsr-3237	230	56	reference	reference	NOUN
fsr-3237	230	57	value	value	NOUN
fsr-3237	230	58	(	(	PUNCT
fsr-3237	230	59	coxe	coxe	PROPN
fsr-3237	230	60	,	,	PUNCT
fsr-3237	230	61	west	west	PROPN
fsr-3237	230	62	,	,	PUNCT
fsr-3237	230	63	and	and	CCONJ
fsr-3237	230	64	aiken	aiken	PROPN
fsr-3237	230	65	,	,	PUNCT
fsr-3237	230	66	2009	2009	NUM
fsr-3237	230	67	)	)	PUNCT
fsr-3237	230	68	.	.	PUNCT
fsr-3237	231	1	therefore	therefore	ADV
fsr-3237	231	2	,	,	PUNCT
fsr-3237	231	3	we	we	PRON
fsr-3237	231	4	depict	depict	VERB
fsr-3237	231	5	these	these	DET
fsr-3237	231	6	marginal	marginal	ADJ
fsr-3237	231	7	mean	mean	NOUN
fsr-3237	231	8	plots	plot	NOUN
fsr-3237	231	9	in	in	ADP
fsr-3237	231	10	figs	fig	NOUN
fsr-3237	231	11	.	.	PUNCT
fsr-3237	231	12	2	2	NUM
fsr-3237	231	13	and	and	CCONJ
fsr-3237	231	14	3	3	NUM
fsr-3237	231	15	,	,	PUNCT
fsr-3237	231	16	along	along	ADP
fsr-3237	231	17	with	with	ADP
fsr-3237	231	18	table	table	NOUN
fsr-3237	231	19	4	4	NUM
fsr-3237	231	20	to	to	PART
fsr-3237	231	21	demonstrate	demonstrate	VERB
fsr-3237	231	22	the	the	DET
fsr-3237	231	23	interaction	interaction	NOUN
fsr-3237	231	24	effects	effect	NOUN
fsr-3237	231	25	.	.	PUNCT
fsr-3237	232	1	table	table	NOUN
fsr-3237	232	2	4	4	NUM
fsr-3237	232	3	shows	show	VERB
fsr-3237	232	4	that	that	SCONJ
fsr-3237	232	5	the	the	DET
fsr-3237	232	6	positive	positive	ADJ
fsr-3237	232	7	relationship	relationship	NOUN
fsr-3237	232	8	between	between	ADP
fsr-3237	232	9	financial	financial	ADJ
fsr-3237	232	10	experience	experience	NOUN
fsr-3237	232	11	and	and	CCONJ
fsr-3237	232	12	financial	financial	ADJ
fsr-3237	232	13	knowledge	knowledge	NOUN
fsr-3237	232	14	score	score	NOUN
fsr-3237	232	15	is	be	AUX
fsr-3237	232	16	stronger	strong	ADJ
fsr-3237	232	17	among	among	ADP
fsr-3237	232	18	those	those	PRON
fsr-3237	232	19	who	who	PRON
fsr-3237	232	20	lack	lack	VERB
fsr-3237	232	21	financial	financial	ADJ
fsr-3237	232	22	education	education	NOUN
fsr-3237	232	23	than	than	ADP
fsr-3237	232	24	those	those	PRON
fsr-3237	232	25	who	who	PRON
fsr-3237	232	26	have	have	VERB
fsr-3237	232	27	it	it	PRON
fsr-3237	232	28	.	.	PUNCT
fsr-3237	233	1	the	the	DET
fsr-3237	233	2	slope	slope	NOUN
fsr-3237	233	3	difference	difference	NOUN
fsr-3237	233	4	test	test	NOUN
fsr-3237	233	5	is	be	AUX
fsr-3237	233	6	significant	significant	ADJ
fsr-3237	233	7	(	(	PUNCT
fsr-3237	233	8	�	�	PROPN
fsr-3237	233	9	�	�	PROPN
fsr-3237	233	10	�	�	PROPN
fsr-3237	233	11	0.07	0.07	NUM
fsr-3237	233	12	,	,	PUNCT
fsr-3237	233	13	p	p	PROPN
fsr-3237	233	14	�	�	PROPN
fsr-3237	233	15	0.05	0.05	NUM
fsr-3237	233	16	)	)	PUNCT
fsr-3237	233	17	.	.	PUNCT
fsr-3237	234	1	these	these	DET
fsr-3237	234	2	findings	finding	NOUN
fsr-3237	234	3	support	support	NOUN
fsr-3237	234	4	hypothesis	hypothesis	NOUN
fsr-3237	234	5	2b	2b	NOUN
fsr-3237	234	6	.	.	PUNCT
fsr-3237	235	1	the	the	DET
fsr-3237	235	2	results	result	NOUN
fsr-3237	235	3	indicate	indicate	VERB
fsr-3237	235	4	that	that	SCONJ
fsr-3237	235	5	,	,	PUNCT
fsr-3237	235	6	the	the	DET
fsr-3237	235	7	financial	financial	ADJ
fsr-3237	235	8	knowledge	knowledge	NOUN
fsr-3237	235	9	gap	gap	NOUN
fsr-3237	235	10	between	between	ADP
fsr-3237	235	11	those	those	PRON
fsr-3237	235	12	who	who	PRON
fsr-3237	235	13	had	have	VERB
fsr-3237	235	14	finance	finance	NOUN
fsr-3237	235	15	education	education	NOUN
fsr-3237	235	16	and	and	CCONJ
fsr-3237	235	17	those	those	PRON
fsr-3237	235	18	who	who	PRON
fsr-3237	235	19	did	do	AUX
fsr-3237	235	20	not	not	PART
fsr-3237	235	21	will	will	AUX
fsr-3237	235	22	narrow	narrow	VERB
fsr-3237	235	23	as	as	SCONJ
fsr-3237	235	24	financial	financial	ADJ
fsr-3237	235	25	experience	experience	NOUN
fsr-3237	235	26	levels	level	NOUN
fsr-3237	235	27	increase	increase	VERB
fsr-3237	235	28	.	.	PUNCT
fsr-3237	236	1	fig	fig	NOUN
fsr-3237	236	2	.	.	PUNCT
fsr-3237	237	1	2	2	NUM
fsr-3237	237	2	clearly	clearly	ADV
fsr-3237	237	3	depicts	depict	VERB
fsr-3237	237	4	this	this	DET
fsr-3237	237	5	point	point	NOUN
fsr-3237	237	6	.	.	PUNCT
fsr-3237	238	1	the	the	DET
fsr-3237	238	2	positive	positive	ADJ
fsr-3237	238	3	relationship	relationship	NOUN
fsr-3237	238	4	between	between	ADP
fsr-3237	238	5	parents	parent	NOUN
fsr-3237	238	6	’	’	PART
fsr-3237	238	7	financial	financial	ADJ
fsr-3237	238	8	experience	experience	NOUN
fsr-3237	238	9	and	and	CCONJ
fsr-3237	238	10	financial	financial	ADJ
fsr-3237	238	11	knowledge	knowledge	NOUN
fsr-3237	238	12	score	score	NOUN
fsr-3237	238	13	is	be	AUX
fsr-3237	238	14	stronger	strong	ADJ
fsr-3237	238	15	among	among	ADP
fsr-3237	238	16	those	those	PRON
fsr-3237	238	17	who	who	PRON
fsr-3237	238	18	lack	lack	VERB
fsr-3237	238	19	financial	financial	ADJ
fsr-3237	238	20	education	education	NOUN
fsr-3237	238	21	than	than	ADP
fsr-3237	238	22	those	those	PRON
fsr-3237	238	23	who	who	PRON
fsr-3237	238	24	have	have	VERB
fsr-3237	238	25	it	it	PRON
fsr-3237	238	26	.	.	PUNCT
fsr-3237	239	1	the	the	DET
fsr-3237	239	2	fig	fig	NOUN
fsr-3237	239	3	.	.	PUNCT
fsr-3237	240	1	2	2	X
fsr-3237	240	2	.	.	X
fsr-3237	240	3	marginal	marginal	ADJ
fsr-3237	240	4	means	mean	NOUN
fsr-3237	240	5	of	of	ADP
fsr-3237	240	6	financial	financial	ADJ
fsr-3237	240	7	knowledge	knowledge	NOUN
fsr-3237	240	8	score	score	NOUN
fsr-3237	240	9	by	by	ADP
fsr-3237	240	10	financial	financial	ADJ
fsr-3237	240	11	education	education	NOUN
fsr-3237	240	12	*	*	PUNCT
fsr-3237	240	13	financial	financial	ADJ
fsr-3237	240	14	experience	experience	NOUN
fsr-3237	240	15	(	(	PUNCT
fsr-3237	240	16	95	95	NUM
fsr-3237	240	17	%	%	NOUN
fsr-3237	240	18	confidence	confidence	NOUN
fsr-3237	240	19	interval	interval	NOUN
fsr-3237	240	20	)	)	PUNCT
fsr-3237	240	21	.	.	PUNCT
fsr-3237	241	1	131n	131n	PROPN
fsr-3237	241	2	.	.	PUNCT
fsr-3237	242	1	tang	tang	PROPN
fsr-3237	242	2	,	,	PUNCT
fsr-3237	242	3	p.c	p.c	PROPN
fsr-3237	242	4	.	.	PROPN
fsr-3237	242	5	peter	peter	PROPN
fsr-3237	242	6	/	/	SYM
fsr-3237	242	7	financial	financial	ADJ
fsr-3237	242	8	services	service	NOUN
fsr-3237	242	9	review	review	VERB
fsr-3237	242	10	24	24	NUM
fsr-3237	242	11	(	(	PUNCT
fsr-3237	242	12	2015	2015	NUM
fsr-3237	242	13	)	)	PUNCT
fsr-3237	242	14	119–137	119–137	NUM
fsr-3237	242	15	difference	difference	NOUN
fsr-3237	242	16	is	be	AUX
fsr-3237	242	17	statistically	statistically	ADV
fsr-3237	242	18	significant	significant	ADJ
fsr-3237	242	19	(	(	PUNCT
fsr-3237	242	20	�	�	PROPN
fsr-3237	242	21	�	�	PROPN
fsr-3237	242	22	�	�	PROPN
fsr-3237	242	23	0.07	0.07	NUM
fsr-3237	242	24	,	,	PUNCT
fsr-3237	242	25	p	p	PROPN
fsr-3237	242	26	�	�	PROPN
fsr-3237	242	27	0.10	0.10	NUM
fsr-3237	242	28	)	)	PUNCT
fsr-3237	242	29	.	.	PUNCT
fsr-3237	243	1	as	as	SCONJ
fsr-3237	243	2	depicted	depict	VERB
fsr-3237	243	3	in	in	ADP
fsr-3237	243	4	fig	fig	NOUN
fsr-3237	243	5	.	.	PUNCT
fsr-3237	244	1	3	3	NUM
fsr-3237	244	2	,	,	PUNCT
fsr-3237	244	3	those	those	PRON
fsr-3237	244	4	who	who	PRON
fsr-3237	244	5	lacked	lack	VERB
fsr-3237	244	6	financial	financial	ADJ
fsr-3237	244	7	education	education	NOUN
fsr-3237	244	8	in	in	ADP
fsr-3237	244	9	college	college	NOUN
fsr-3237	244	10	are	be	AUX
fsr-3237	244	11	able	able	ADJ
fsr-3237	244	12	to	to	PART
fsr-3237	244	13	narrow	narrow	VERB
fsr-3237	244	14	the	the	DET
fsr-3237	244	15	gap	gap	NOUN
fsr-3237	244	16	with	with	ADP
fsr-3237	244	17	those	those	PRON
fsr-3237	244	18	who	who	PRON
fsr-3237	244	19	had	have	VERB
fsr-3237	244	20	financial	financial	ADJ
fsr-3237	244	21	education	education	NOUN
fsr-3237	244	22	with	with	ADP
fsr-3237	244	23	respect	respect	NOUN
fsr-3237	244	24	to	to	ADP
fsr-3237	244	25	financial	financial	ADJ
fsr-3237	244	26	knowledge	knowledge	NOUN
fsr-3237	244	27	scores	score	NOUN
fsr-3237	244	28	if	if	SCONJ
fsr-3237	244	29	their	their	PRON
fsr-3237	244	30	parents	parent	NOUN
fsr-3237	244	31	’	'	PUNCT
fsr-3237	244	32	have	have	VERB
fsr-3237	244	33	financial	financial	ADJ
fsr-3237	244	34	experience	experience	NOUN
fsr-3237	244	35	.	.	PUNCT
fsr-3237	245	1	for	for	ADP
fsr-3237	245	2	example	example	NOUN
fsr-3237	245	3	,	,	PUNCT
fsr-3237	245	4	without	without	ADP
fsr-3237	245	5	parents	parent	NOUN
fsr-3237	245	6	’	'	PUNCT
fsr-3237	245	7	financial	financial	ADJ
fsr-3237	245	8	experience	experience	NOUN
fsr-3237	245	9	,	,	PUNCT
fsr-3237	245	10	having	have	VERB
fsr-3237	245	11	financial	financial	ADJ
fsr-3237	245	12	education	education	NOUN
fsr-3237	245	13	is	be	AUX
fsr-3237	245	14	predicted	predict	VERB
fsr-3237	245	15	to	to	PART
fsr-3237	245	16	exhibit	exhibit	VERB
fsr-3237	245	17	0.30	0.30	NUM
fsr-3237	245	18	(	(	PUNCT
fsr-3237	245	19	1.8	1.8	NUM
fsr-3237	245	20	�	�	PROPN
fsr-3237	245	21	1.5	1.5	NUM
fsr-3237	245	22	)	)	PUNCT
fsr-3237	245	23	increase	increase	NOUN
fsr-3237	245	24	in	in	ADP
fsr-3237	245	25	financial	financial	ADJ
fsr-3237	245	26	knowledge	knowledge	NOUN
fsr-3237	245	27	score	score	NOUN
fsr-3237	245	28	,	,	PUNCT
fsr-3237	245	29	but	but	CCONJ
fsr-3237	245	30	the	the	DET
fsr-3237	245	31	difference	difference	NOUN
fsr-3237	245	32	is	be	AUX
fsr-3237	245	33	only	only	ADV
fsr-3237	245	34	0.19	0.19	NUM
fsr-3237	245	35	(	(	PUNCT
fsr-3237	245	36	1.76	1.76	NUM
fsr-3237	245	37	�	�	PROPN
fsr-3237	245	38	1.57	1.57	NUM
fsr-3237	245	39	)	)	PUNCT
fsr-3237	245	40	when	when	SCONJ
fsr-3237	245	41	parents	parent	NOUN
fsr-3237	245	42	of	of	ADP
fsr-3237	245	43	young	young	ADJ
fsr-3237	245	44	adults	adult	NOUN
fsr-3237	245	45	have	have	VERB
fsr-3237	245	46	financial	financial	ADJ
fsr-3237	245	47	experience	experience	NOUN
fsr-3237	245	48	.	.	PUNCT
fsr-3237	246	1	these	these	DET
fsr-3237	246	2	findings	finding	NOUN
fsr-3237	246	3	support	support	NOUN
fsr-3237	246	4	hypothesis	hypothesis	NOUN
fsr-3237	246	5	3b	3b	NOUN
fsr-3237	246	6	.	.	PUNCT
fsr-3237	247	1	4.4	4.4	NUM
fsr-3237	247	2	.	.	PUNCT
fsr-3237	248	1	reverse	reverse	ADJ
fsr-3237	248	2	causality	causality	NOUN
fsr-3237	248	3	issue	issue	NOUN
fsr-3237	248	4	our	our	PRON
fsr-3237	248	5	measure	measure	NOUN
fsr-3237	248	6	on	on	ADP
fsr-3237	248	7	financial	financial	ADJ
fsr-3237	248	8	education	education	NOUN
fsr-3237	248	9	in	in	ADP
fsr-3237	248	10	college	college	PROPN
fsr-3237	248	11	(	(	PUNCT
fsr-3237	248	12	college	college	NOUN
fsr-3237	248	13	major	major	NOUN
fsr-3237	248	14	)	)	PUNCT
fsr-3237	248	15	could	could	AUX
fsr-3237	248	16	subject	subject	VERB
fsr-3237	248	17	the	the	DET
fsr-3237	248	18	impact	impact	NOUN
fsr-3237	248	19	of	of	ADP
fsr-3237	248	20	financial	financial	ADJ
fsr-3237	248	21	education	education	NOUN
fsr-3237	248	22	to	to	ADP
fsr-3237	248	23	a	a	DET
fsr-3237	248	24	selection	selection	NOUN
fsr-3237	248	25	bias	bias	NOUN
fsr-3237	248	26	.	.	PUNCT
fsr-3237	249	1	a	a	DET
fsr-3237	249	2	bias	bias	NOUN
fsr-3237	249	3	would	would	AUX
fsr-3237	249	4	arise	arise	VERB
fsr-3237	249	5	if	if	SCONJ
fsr-3237	249	6	youth	youth	NOUN
fsr-3237	249	7	who	who	PRON
fsr-3237	249	8	are	be	AUX
fsr-3237	249	9	more	more	ADV
fsr-3237	249	10	financially	financially	ADV
fsr-3237	249	11	knowledgeable	knowledgeable	ADJ
fsr-3237	249	12	are	be	AUX
fsr-3237	249	13	more	more	ADV
fsr-3237	249	14	likely	likely	ADJ
fsr-3237	249	15	to	to	PART
fsr-3237	249	16	choose	choose	VERB
fsr-3237	249	17	finance	finance	NOUN
fsr-3237	249	18	-	-	PUNCT
fsr-3237	249	19	related	relate	VERB
fsr-3237	249	20	majors	major	NOUN
fsr-3237	249	21	.	.	PUNCT
fsr-3237	250	1	therefore	therefore	ADV
fsr-3237	250	2	,	,	PUNCT
fsr-3237	250	3	the	the	DET
fsr-3237	250	4	positive	positive	ADJ
fsr-3237	250	5	relationship	relationship	NOUN
fsr-3237	250	6	between	between	ADP
fsr-3237	250	7	college	college	NOUN
fsr-3237	250	8	major	major	NOUN
fsr-3237	250	9	in	in	ADP
fsr-3237	250	10	finance	finance	NOUN
fsr-3237	250	11	-	-	PUNCT
fsr-3237	250	12	related	relate	VERB
fsr-3237	250	13	subjects	subject	NOUN
fsr-3237	250	14	and	and	CCONJ
fsr-3237	250	15	financial	financial	ADJ
fsr-3237	250	16	knowledge	knowledge	NOUN
fsr-3237	250	17	does	do	AUX
fsr-3237	250	18	not	not	PART
fsr-3237	250	19	necessarily	necessarily	ADV
fsr-3237	250	20	indicate	indicate	VERB
fsr-3237	250	21	that	that	SCONJ
fsr-3237	250	22	financial	financial	ADJ
fsr-3237	250	23	education	education	NOUN
fsr-3237	250	24	in	in	ADP
fsr-3237	250	25	college	college	NOUN
fsr-3237	250	26	improves	improve	VERB
fsr-3237	250	27	financial	financial	ADJ
fsr-3237	250	28	knowledge	knowledge	NOUN
fsr-3237	250	29	.	.	PUNCT
fsr-3237	251	1	to	to	PART
fsr-3237	251	2	mitigate	mitigate	VERB
fsr-3237	251	3	the	the	DET
fsr-3237	251	4	bias	bias	NOUN
fsr-3237	251	5	,	,	PUNCT
fsr-3237	251	6	we	we	PRON
fsr-3237	251	7	used	use	VERB
fsr-3237	251	8	college	college	NOUN
fsr-3237	251	9	major	major	ADJ
fsr-3237	251	10	data	datum	NOUN
fsr-3237	251	11	before	before	ADP
fsr-3237	251	12	2007	2007	NUM
fsr-3237	251	13	when	when	SCONJ
fsr-3237	251	14	financial	financial	ADJ
fsr-3237	251	15	knowledge	knowledge	NOUN
fsr-3237	251	16	questions	question	NOUN
fsr-3237	251	17	were	be	AUX
fsr-3237	251	18	asked	ask	VERB
fsr-3237	251	19	in	in	ADP
fsr-3237	251	20	the	the	DET
fsr-3237	251	21	baseline	baseline	ADJ
fsr-3237	251	22	analysis	analysis	NOUN
fsr-3237	251	23	in	in	ADP
fsr-3237	251	24	previous	previous	ADJ
fsr-3237	251	25	sections	section	NOUN
fsr-3237	251	26	.	.	PUNCT
fsr-3237	252	1	that	that	PRON
fsr-3237	252	2	is	is	ADV
fsr-3237	252	3	,	,	PUNCT
fsr-3237	252	4	the	the	DET
fsr-3237	252	5	students	student	NOUN
fsr-3237	252	6	chose	choose	VERB
fsr-3237	252	7	their	their	PRON
fsr-3237	252	8	majors	major	NOUN
fsr-3237	252	9	before	before	SCONJ
fsr-3237	252	10	their	their	PRON
fsr-3237	252	11	financial	financial	ADJ
fsr-3237	252	12	knowledge	knowledge	NOUN
fsr-3237	252	13	were	be	AUX
fsr-3237	252	14	evaluated	evaluate	VERB
fsr-3237	252	15	.	.	PUNCT
fsr-3237	253	1	this	this	DET
fsr-3237	253	2	way	way	NOUN
fsr-3237	253	3	we	we	PRON
fsr-3237	253	4	could	could	AUX
fsr-3237	253	5	reduce	reduce	VERB
fsr-3237	253	6	the	the	DET
fsr-3237	253	7	possibility	possibility	NOUN
fsr-3237	253	8	that	that	SCONJ
fsr-3237	253	9	financial	financial	ADJ
fsr-3237	253	10	knowledge	knowledge	NOUN
fsr-3237	253	11	affects	affect	VERB
fsr-3237	253	12	college	college	NOUN
fsr-3237	253	13	major	major	ADJ
fsr-3237	253	14	choice	choice	NOUN
fsr-3237	253	15	.	.	PUNCT
fsr-3237	254	1	in	in	ADP
fsr-3237	254	2	addition	addition	NOUN
fsr-3237	254	3	,	,	PUNCT
fsr-3237	254	4	we	we	PRON
fsr-3237	254	5	test	test	VERB
fsr-3237	254	6	for	for	ADP
fsr-3237	254	7	the	the	DET
fsr-3237	254	8	possibility	possibility	NOUN
fsr-3237	254	9	that	that	SCONJ
fsr-3237	254	10	it	it	PRON
fsr-3237	254	11	is	be	AUX
fsr-3237	254	12	because	because	SCONJ
fsr-3237	254	13	financial	financial	ADJ
fsr-3237	254	14	knowledge	knowledge	NOUN
fsr-3237	254	15	affects	affect	VERB
fsr-3237	254	16	college	college	NOUN
fsr-3237	254	17	major	major	ADJ
fsr-3237	254	18	choice	choice	NOUN
fsr-3237	254	19	that	that	PRON
fsr-3237	254	20	we	we	PRON
fsr-3237	254	21	found	find	VERB
fsr-3237	254	22	a	a	DET
fsr-3237	254	23	positive	positive	ADJ
fsr-3237	254	24	relationship	relationship	NOUN
fsr-3237	254	25	between	between	ADP
fsr-3237	254	26	them	they	PRON
fsr-3237	254	27	in	in	ADP
fsr-3237	254	28	tables	table	NOUN
fsr-3237	254	29	3	3	NUM
fsr-3237	254	30	and	and	CCONJ
fsr-3237	254	31	4	4	NUM
fsr-3237	254	32	.	.	PUNCT
fsr-3237	255	1	specifically	specifically	ADV
fsr-3237	255	2	,	,	PUNCT
fsr-3237	255	3	we	we	PRON
fsr-3237	255	4	follow	follow	VERB
fsr-3237	255	5	bernheim	bernheim	NOUN
fsr-3237	255	6	,	,	PUNCT
fsr-3237	255	7	garrett	garrett	PROPN
fsr-3237	255	8	,	,	PUNCT
fsr-3237	255	9	and	and	CCONJ
fsr-3237	255	10	maki	maki	NOUN
fsr-3237	255	11	(	(	PUNCT
fsr-3237	255	12	2001	2001	NUM
fsr-3237	255	13	)	)	PUNCT
fsr-3237	255	14	and	and	CCONJ
fsr-3237	255	15	create	create	VERB
fsr-3237	255	16	a	a	DET
fsr-3237	255	17	new	new	ADJ
fsr-3237	255	18	variable	variable	ADJ
fsr-3237	255	19	“	"	PUNCT
fsr-3237	255	20	financial	financial	ADJ
fsr-3237	255	21	education	education	NOUN
fsr-3237	255	22	after	after	ADP
fsr-3237	255	23	2007	2007	NUM
fsr-3237	255	24	,	,	PUNCT
fsr-3237	255	25	”	"	PUNCT
fsr-3237	255	26	which	which	PRON
fsr-3237	255	27	uses	use	VERB
fsr-3237	255	28	college	college	NOUN
fsr-3237	255	29	major	major	ADJ
fsr-3237	255	30	data	datum	NOUN
fsr-3237	255	31	after	after	SCONJ
fsr-3237	255	32	the	the	DET
fsr-3237	255	33	financial	financial	ADJ
fsr-3237	255	34	knowledge	knowledge	NOUN
fsr-3237	255	35	questions	question	NOUN
fsr-3237	255	36	were	be	AUX
fsr-3237	255	37	asked	ask	VERB
fsr-3237	255	38	in	in	ADP
fsr-3237	255	39	fig	fig	NOUN
fsr-3237	255	40	.	.	PUNCT
fsr-3237	256	1	3	3	X
fsr-3237	256	2	.	.	X
fsr-3237	256	3	marginal	marginal	ADJ
fsr-3237	256	4	means	mean	NOUN
fsr-3237	256	5	of	of	ADP
fsr-3237	256	6	financial	financial	ADJ
fsr-3237	256	7	knowledge	knowledge	NOUN
fsr-3237	256	8	score	score	NOUN
fsr-3237	256	9	by	by	ADP
fsr-3237	256	10	financial	financial	ADJ
fsr-3237	256	11	education	education	NOUN
fsr-3237	256	12	*	*	PUNCT
fsr-3237	256	13	parents	parent	NOUN
fsr-3237	256	14	’	'	PUNCT
fsr-3237	256	15	financial	financial	ADJ
fsr-3237	256	16	experience	experience	NOUN
fsr-3237	256	17	(	(	PUNCT
fsr-3237	256	18	95	95	NUM
fsr-3237	256	19	%	%	NOUN
fsr-3237	256	20	confidence	confidence	NOUN
fsr-3237	256	21	interval	interval	NOUN
fsr-3237	256	22	)	)	PUNCT
fsr-3237	256	23	.	.	PUNCT
fsr-3237	257	1	132	132	NUM
fsr-3237	257	2	n.	n.	PROPN
fsr-3237	257	3	tang	tang	PROPN
fsr-3237	257	4	,	,	PUNCT
fsr-3237	257	5	p.c	p.c	PROPN
fsr-3237	257	6	.	.	PROPN
fsr-3237	257	7	peter	peter	PROPN
fsr-3237	257	8	/	/	SYM
fsr-3237	257	9	financial	financial	ADJ
fsr-3237	257	10	services	service	NOUN
fsr-3237	257	11	review	review	VERB
fsr-3237	257	12	24	24	NUM
fsr-3237	257	13	(	(	PUNCT
fsr-3237	257	14	2015	2015	NUM
fsr-3237	257	15	)	)	PUNCT
fsr-3237	257	16	119–137	119–137	NUM
fsr-3237	257	17	2007	2007	NUM
fsr-3237	257	18	.	.	PUNCT
fsr-3237	258	1	we	we	PRON
fsr-3237	258	2	run	run	VERB
fsr-3237	258	3	poisson	poisson	NOUN
fsr-3237	258	4	regression	regression	NOUN
fsr-3237	258	5	as	as	ADP
fsr-3237	258	6	in	in	ADP
fsr-3237	258	7	the	the	DET
fsr-3237	258	8	previous	previous	ADJ
fsr-3237	258	9	section	section	NOUN
fsr-3237	258	10	and	and	CCONJ
fsr-3237	258	11	replace	replace	VERB
fsr-3237	258	12	the	the	DET
fsr-3237	258	13	variable	variable	NOUN
fsr-3237	258	14	indicating	indicate	VERB
fsr-3237	258	15	college	college	NOUN
fsr-3237	258	16	major	major	ADJ
fsr-3237	258	17	before	before	ADP
fsr-3237	258	18	2007	2007	NUM
fsr-3237	258	19	with	with	ADP
fsr-3237	258	20	college	college	NOUN
fsr-3237	258	21	major	major	ADJ
fsr-3237	258	22	after	after	ADP
fsr-3237	258	23	2007	2007	NUM
fsr-3237	258	24	.	.	PUNCT
fsr-3237	259	1	as	as	SCONJ
fsr-3237	259	2	shown	show	VERB
fsr-3237	259	3	in	in	ADP
fsr-3237	259	4	column	column	NOUN
fsr-3237	259	5	1	1	NUM
fsr-3237	259	6	in	in	ADP
fsr-3237	259	7	table	table	NOUN
fsr-3237	259	8	5	5	NUM
fsr-3237	259	9	,	,	PUNCT
fsr-3237	259	10	the	the	DET
fsr-3237	259	11	effect	effect	NOUN
fsr-3237	259	12	of	of	ADP
fsr-3237	259	13	financial	financial	ADJ
fsr-3237	259	14	education	education	NOUN
fsr-3237	259	15	after	after	ADP
fsr-3237	259	16	2007	2007	NUM
fsr-3237	259	17	is	be	AUX
fsr-3237	259	18	not	not	PART
fsr-3237	259	19	significant	significant	ADJ
fsr-3237	259	20	,	,	PUNCT
fsr-3237	259	21	which	which	PRON
fsr-3237	259	22	indicates	indicate	VERB
fsr-3237	259	23	that	that	SCONJ
fsr-3237	259	24	the	the	DET
fsr-3237	259	25	difference	difference	NOUN
fsr-3237	259	26	in	in	ADP
fsr-3237	259	27	financial	financial	ADJ
fsr-3237	259	28	knowledge	knowledge	NOUN
fsr-3237	259	29	between	between	ADP
fsr-3237	259	30	individuals	individual	NOUN
fsr-3237	259	31	who	who	PRON
fsr-3237	259	32	chose	choose	VERB
fsr-3237	259	33	finance	finance	NOUN
fsr-3237	259	34	-	-	PUNCT
fsr-3237	259	35	related	relate	VERB
fsr-3237	259	36	majors	major	NOUN
fsr-3237	259	37	versus	versus	ADP
fsr-3237	259	38	those	those	PRON
fsr-3237	259	39	who	who	PRON
fsr-3237	259	40	chose	choose	VERB
fsr-3237	259	41	non	non	ADJ
fsr-3237	259	42	-	-	ADJ
fsr-3237	259	43	finance	finance	ADJ
fsr-3237	259	44	related	related	ADJ
fsr-3237	259	45	majors	major	NOUN
fsr-3237	259	46	exists	exist	VERB
fsr-3237	259	47	only	only	ADV
fsr-3237	259	48	after	after	SCONJ
fsr-3237	259	49	the	the	DET
fsr-3237	259	50	major	major	NOUN
fsr-3237	259	51	is	be	AUX
fsr-3237	259	52	chosen	choose	VERB
fsr-3237	259	53	,	,	PUNCT
fsr-3237	259	54	not	not	PART
fsr-3237	259	55	before	before	ADV
fsr-3237	259	56	.	.	PUNCT
fsr-3237	260	1	therefore	therefore	ADV
fsr-3237	260	2	,	,	PUNCT
fsr-3237	260	3	it	it	PRON
fsr-3237	260	4	is	be	AUX
fsr-3237	260	5	exposure	exposure	NOUN
fsr-3237	260	6	to	to	ADP
fsr-3237	260	7	financial	financial	ADJ
fsr-3237	260	8	education	education	NOUN
fsr-3237	260	9	that	that	PRON
fsr-3237	260	10	improves	improve	VERB
fsr-3237	260	11	one	one	NUM
fsr-3237	260	12	’s	’s	PART
fsr-3237	260	13	table	table	NOUN
fsr-3237	260	14	5	5	NUM
fsr-3237	260	15	poisson	poisson	NOUN
fsr-3237	260	16	regression	regression	NOUN
fsr-3237	260	17	results	result	NOUN
fsr-3237	260	18	–	–	PUNCT
fsr-3237	260	19	interaction	interaction	NOUN
fsr-3237	260	20	effects	effect	NOUN
fsr-3237	260	21	(	(	PUNCT
fsr-3237	260	22	college	college	NOUN
fsr-3237	260	23	major	major	ADJ
fsr-3237	260	24	and	and	CCONJ
fsr-3237	260	25	financial	financial	ADJ
fsr-3237	260	26	experience	experience	NOUN
fsr-3237	260	27	after	after	ADP
fsr-3237	260	28	2007	2007	NUM
fsr-3237	260	29	)	)	PUNCT
fsr-3237	260	30	1	1	NUM
fsr-3237	260	31	.	.	PUNCT
fsr-3237	260	32	financial	financial	ADJ
fsr-3237	260	33	education	education	NOUN
fsr-3237	260	34	after	after	ADP
fsr-3237	260	35	2007	2007	NUM
fsr-3237	260	36	2	2	NUM
fsr-3237	260	37	.	.	PUNCT
fsr-3237	260	38	financial	financial	ADJ
fsr-3237	260	39	experience	experience	NOUN
fsr-3237	260	40	after	after	ADP
fsr-3237	260	41	2007	2007	NUM
fsr-3237	260	42	irr	irr	PROPN
fsr-3237	260	43	coefficient	coefficient	PROPN
fsr-3237	260	44	sig	sig	PROPN
fsr-3237	260	45	.	.	PUNCT
fsr-3237	260	46	se	se	PROPN
fsr-3237	260	47	irr	irr	PROPN
fsr-3237	260	48	coefficient	coefficient	PROPN
fsr-3237	260	49	sig	sig	PROPN
fsr-3237	260	50	.	.	PUNCT
fsr-3237	260	51	se	se	PROPN
fsr-3237	260	52	intercept	intercept	VERB
fsr-3237	260	53	.75	.75	NUM
fsr-3237	260	54	�	�	NOUN
fsr-3237	260	55	.29	.29	NUM
fsr-3237	260	56	.34	.34	NUM
fsr-3237	260	57	.94	.94	NUM
fsr-3237	260	58	�	�	PROPN
fsr-3237	260	59	.06	.06	NUM
fsr-3237	260	60	.17	.17	NUM
fsr-3237	260	61	factors	factor	NOUN
fsr-3237	260	62	financial	financial	ADJ
fsr-3237	260	63	education	education	NOUN
fsr-3237	260	64	1.15	1.15	NUM
fsr-3237	260	65	.14	.14	NUM
fsr-3237	260	66	.10	.10	NUM
fsr-3237	260	67	1.20	1.20	NUM
fsr-3237	260	68	.18	.18	NUM
fsr-3237	260	69	*	*	PUNCT
fsr-3237	260	70	*	*	PUNCT
fsr-3237	260	71	*	*	PUNCT
fsr-3237	260	72	.04	.04	NUM
fsr-3237	260	73	financial	financial	ADJ
fsr-3237	260	74	experience	experience	NOUN
fsr-3237	260	75	1.13	1.13	NUM
fsr-3237	260	76	.12	.12	NUM
fsr-3237	260	77	*	*	PUNCT
fsr-3237	260	78	*	*	PUNCT
fsr-3237	260	79	*	*	PUNCT
fsr-3237	260	80	.04	.04	NUM
fsr-3237	260	81	1.08	1.08	NUM
fsr-3237	260	82	.08	.08	NUM
fsr-3237	260	83	.05	.05	NUM
fsr-3237	260	84	parents	parent	NOUN
fsr-3237	260	85	’	'	PUNCT
fsr-3237	260	86	financial	financial	ADJ
fsr-3237	260	87	experience	experience	NOUN
fsr-3237	260	88	1.09	1.09	NUM
fsr-3237	260	89	.09	.09	NUM
fsr-3237	260	90	*	*	SYM
fsr-3237	260	91	.05	.05	NUM
fsr-3237	260	92	1.05	1.05	NUM
fsr-3237	260	93	.05	.05	NUM
fsr-3237	260	94	*	*	PUNCT
fsr-3237	260	95	*	*	PUNCT
fsr-3237	260	96	.02	.02	NUM
fsr-3237	260	97	financial	financial	ADJ
fsr-3237	260	98	education	education	NOUN
fsr-3237	260	99	*	*	PUNCT
fsr-3237	260	100	financial	financial	ADJ
fsr-3237	260	101	experience	experience	NOUN
fsr-3237	260	102	.97	.97	NUM
fsr-3237	260	103	�	�	PROPN
fsr-3237	260	104	.03	.03	NUM
fsr-3237	260	105	.12	.12	NUM
fsr-3237	260	106	1.00	1.00	NUM
fsr-3237	260	107	.00	.00	NUM
fsr-3237	260	108	.07	.07	NUM
fsr-3237	260	109	financial	financial	ADJ
fsr-3237	260	110	education	education	NOUN
fsr-3237	260	111	*	*	PUNCT
fsr-3237	260	112	parents	parent	NOUN
fsr-3237	260	113	’	'	PUNCT
fsr-3237	260	114	financial	financial	ADJ
fsr-3237	260	115	experience	experience	NOUN
fsr-3237	260	116	.83	.83	NUM
fsr-3237	260	117	�	�	PROPN
fsr-3237	260	118	.19	.19	NUM
fsr-3237	260	119	*	*	NUM
fsr-3237	260	120	.11	.11	NUM
fsr-3237	260	121	.92	.92	NUM
fsr-3237	260	122	�	�	PROPN
fsr-3237	260	123	.08	.08	NUM
fsr-3237	260	124	*	*	SYM
fsr-3237	260	125	.04	.04	NUM
fsr-3237	260	126	covariates	covariates	PROPN
fsr-3237	260	127	male	male	NOUN
fsr-3237	260	128	1.22	1.22	NUM
fsr-3237	260	129	.20	.20	NUM
fsr-3237	260	130	*	*	PUNCT
fsr-3237	260	131	*	*	PUNCT
fsr-3237	260	132	*	*	PUNCT
fsr-3237	260	133	.04	.04	NUM
fsr-3237	260	134	1.21	1.21	NUM
fsr-3237	260	135	.19	.19	NUM
fsr-3237	260	136	*	*	PUNCT
fsr-3237	260	137	*	*	PUNCT
fsr-3237	260	138	*	*	PUNCT
fsr-3237	260	139	.02	.02	NUM
fsr-3237	260	140	age	age	NOUN
fsr-3237	260	141	in	in	ADP
fsr-3237	260	142	2007	2007	NUM
fsr-3237	260	143	1.00	1.00	NUM
fsr-3237	260	144	.00	.00	NUM
fsr-3237	260	145	.01	.01	NUM
fsr-3237	260	146	.99	.99	NUM
fsr-3237	260	147	�	�	NOUN
fsr-3237	260	148	.01	.01	NUM
fsr-3237	260	149	.01	.01	NUM
fsr-3237	260	150	race	race	NOUN
fsr-3237	260	151	(	(	PUNCT
fsr-3237	260	152	ref	ref	NOUN
fsr-3237	260	153	:	:	PUNCT
fsr-3237	260	154	white	white	ADJ
fsr-3237	260	155	)	)	PUNCT
fsr-3237	260	156	black	black	ADJ
fsr-3237	260	157	.89	.89	NUM
fsr-3237	260	158	�	�	NOUN
fsr-3237	260	159	.11	.11	NUM
fsr-3237	260	160	*	*	PUNCT
fsr-3237	260	161	*	*	SYM
fsr-3237	260	162	.05	.05	NUM
fsr-3237	260	163	.94	.94	NUM
fsr-3237	260	164	�	�	NOUN
fsr-3237	260	165	.06	.06	NUM
fsr-3237	260	166	*	*	PUNCT
fsr-3237	260	167	*	*	PUNCT
fsr-3237	260	168	*	*	PUNCT
fsr-3237	260	169	.02	.02	NUM
fsr-3237	260	170	indian	indian	PROPN
fsr-3237	260	171	.96	.96	NUM
fsr-3237	260	172	�	�	PROPN
fsr-3237	260	173	.04	.04	NUM
fsr-3237	260	174	.16	.16	NUM
fsr-3237	260	175	.97	.97	NUM
fsr-3237	260	176	�	�	PROPN
fsr-3237	260	177	.03	.03	NUM
fsr-3237	260	178	.08	.08	NUM
fsr-3237	260	179	asian	asian	ADJ
fsr-3237	260	180	.81	.81	NUM
fsr-3237	260	181	�	�	PROPN
fsr-3237	260	182	.21	.21	NUM
fsr-3237	260	183	.14	.14	NUM
fsr-3237	260	184	.98	.98	NUM
fsr-3237	260	185	�	�	PROPN
fsr-3237	260	186	.02	.02	NUM
fsr-3237	260	187	.06	.06	NUM
fsr-3237	260	188	other	other	ADJ
fsr-3237	260	189	.97	.97	NUM
fsr-3237	260	190	�	�	PROPN
fsr-3237	260	191	.03	.03	NUM
fsr-3237	260	192	.06	.06	NUM
fsr-3237	260	193	.93	.93	NUM
fsr-3237	260	194	�	�	NOUN
fsr-3237	260	195	.07	.07	NUM
fsr-3237	260	196	*	*	PUNCT
fsr-3237	260	197	*	*	PUNCT
fsr-3237	260	198	.04	.04	NUM
fsr-3237	260	199	education	education	NOUN
fsr-3237	260	200	1.05	1.05	NUM
fsr-3237	260	201	.05	.05	NUM
fsr-3237	260	202	*	*	PUNCT
fsr-3237	260	203	*	*	PUNCT
fsr-3237	260	204	.03	.03	NUM
fsr-3237	260	205	1.07	1.07	NUM
fsr-3237	260	206	.07	.07	NUM
fsr-3237	260	207	*	*	PUNCT
fsr-3237	260	208	*	*	PUNCT
fsr-3237	260	209	*	*	PUNCT
fsr-3237	260	210	.01	.01	NUM
fsr-3237	260	211	high	high	ADJ
fsr-3237	260	212	school	school	NOUN
fsr-3237	260	213	gpa	gpa	PROPN
fsr-3237	260	214	1.17	1.17	NUM
fsr-3237	260	215	.16	.16	NUM
fsr-3237	260	216	*	*	PUNCT
fsr-3237	261	1	*	*	PUNCT
fsr-3237	262	1	*	*	PUNCT
fsr-3237	262	2	.04	.04	NUM
fsr-3237	262	3	1.14	1.14	NUM
fsr-3237	262	4	.13	.13	NUM
fsr-3237	262	5	*	*	PUNCT
fsr-3237	262	6	*	*	PUNCT
fsr-3237	262	7	*	*	PUNCT
fsr-3237	262	8	.02	.02	NUM
fsr-3237	262	9	income	income	NOUN
fsr-3237	262	10	from	from	ADP
fsr-3237	262	11	wage	wage	NOUN
fsr-3237	262	12	and	and	CCONJ
fsr-3237	262	13	salary	salary	NOUN
fsr-3237	262	14	in	in	ADP
fsr-3237	262	15	2006	2006	NUM
fsr-3237	262	16	(	(	PUNCT
fsr-3237	262	17	ref	ref	NOUN
fsr-3237	262	18	:	:	PUNCT
fsr-3237	263	1	under	under	ADP
fsr-3237	263	2	$	$	SYM
fsr-3237	263	3	10,000	10,000	NUM
fsr-3237	263	4	)	)	PUNCT
fsr-3237	263	5	$	$	SYM
fsr-3237	263	6	10,000	10,000	NUM
fsr-3237	263	7	to	to	PART
fsr-3237	263	8	$	$	SYM
fsr-3237	263	9	25,000	25,000	NUM
fsr-3237	263	10	1.04	1.04	NUM
fsr-3237	263	11	.04	.04	NUM
fsr-3237	263	12	.05	.05	NUM
fsr-3237	263	13	1.04	1.04	NUM
fsr-3237	263	14	.04	.04	NUM
fsr-3237	263	15	*	*	NUM
fsr-3237	263	16	.02	.02	NUM
fsr-3237	263	17	$	$	SYM
fsr-3237	263	18	25,000	25,000	NUM
fsr-3237	263	19	to	to	PART
fsr-3237	263	20	$	$	SYM
fsr-3237	263	21	50,000	50,000	NUM
fsr-3237	263	22	1.15	1.15	NUM
fsr-3237	263	23	.14	.14	NUM
fsr-3237	263	24	*	*	PUNCT
fsr-3237	263	25	*	*	PUNCT
fsr-3237	263	26	*	*	PUNCT
fsr-3237	263	27	.05	.05	NUM
fsr-3237	263	28	1.11	1.11	NUM
fsr-3237	263	29	.10	.10	NUM
fsr-3237	263	30	*	*	PUNCT
fsr-3237	263	31	*	*	PUNCT
fsr-3237	263	32	*	*	PUNCT
fsr-3237	263	33	.02	.02	NUM
fsr-3237	263	34	$	$	SYM
fsr-3237	263	35	50,000	50,000	NUM
fsr-3237	263	36	or	or	CCONJ
fsr-3237	263	37	more	more	ADJ
fsr-3237	263	38	1.30	1.30	NUM
fsr-3237	263	39	.26	.26	NUM
fsr-3237	263	40	*	*	PUNCT
fsr-3237	263	41	*	*	PUNCT
fsr-3237	263	42	*	*	PUNCT
fsr-3237	264	1	.09	.09	NUM
fsr-3237	264	2	1.14	1.14	NUM
fsr-3237	264	3	.13	.13	NUM
fsr-3237	264	4	*	*	PUNCT
fsr-3237	264	5	*	*	PUNCT
fsr-3237	264	6	*	*	PUNCT
fsr-3237	264	7	.04	.04	NUM
fsr-3237	264	8	parents	parent	NOUN
fsr-3237	264	9	’	'	PUNCT
fsr-3237	264	10	education	education	NOUN
fsr-3237	264	11	1.00	1.00	NUM
fsr-3237	264	12	.00	.00	NUM
fsr-3237	264	13	.02	.02	NUM
fsr-3237	264	14	1.03	1.03	NUM
fsr-3237	264	15	.03	.03	NUM
fsr-3237	264	16	*	*	PUNCT
fsr-3237	264	17	*	*	PUNCT
fsr-3237	264	18	*	*	AUX
fsr-3237	264	19	.01	.01	NUM
fsr-3237	264	20	ask	ask	VERB
fsr-3237	264	21	parents	parent	NOUN
fsr-3237	264	22	about	about	ADP
fsr-3237	264	23	finance	finance	NOUN
fsr-3237	264	24	issues	issue	NOUN
fsr-3237	264	25	.96	.96	NUM
fsr-3237	264	26	�	�	PROPN
fsr-3237	264	27	.00	.00	NUM
fsr-3237	264	28	.04	.04	NUM
fsr-3237	264	29	.96	.96	NUM
fsr-3237	264	30	�	�	PROPN
fsr-3237	264	31	.04	.04	NUM
fsr-3237	264	32	*	*	SYM
fsr-3237	264	33	.02	.02	NUM
fsr-3237	264	34	n	n	PRON
fsr-3237	264	35	591	591	NUM
fsr-3237	264	36	2,885	2,885	NUM
fsr-3237	264	37	wald	wald	X
fsr-3237	264	38	�	�	PROPN
fsr-3237	264	39	2	2	NUM
fsr-3237	264	40	(	(	PUNCT
fsr-3237	264	41	df	df	NOUN
fsr-3237	264	42	)	)	PUNCT
fsr-3237	264	43	133.68	133.68	NUM
fsr-3237	264	44	(	(	PUNCT
fsr-3237	264	45	18	18	NUM
fsr-3237	264	46	)	)	PUNCT
fsr-3237	264	47	676.80	676.80	NUM
fsr-3237	264	48	(	(	PUNCT
fsr-3237	264	49	18	18	NUM
fsr-3237	264	50	)	)	PUNCT
fsr-3237	264	51	aic	aic	PROPN
fsr-3237	264	52	1717.23	1717.23	NUM
fsr-3237	264	53	8235.23	8235.23	NUM
fsr-3237	264	54	bic	bic	PROPN
fsr-3237	264	55	1800.49	1800.49	NUM
fsr-3237	264	56	8348.61	8348.61	NUM
fsr-3237	264	57	the	the	DET
fsr-3237	264	58	table	table	NOUN
fsr-3237	264	59	shows	show	VERB
fsr-3237	264	60	the	the	DET
fsr-3237	264	61	results	result	NOUN
fsr-3237	264	62	of	of	ADP
fsr-3237	264	63	poisson	poisson	PROPN
fsr-3237	264	64	regression	regression	NOUN
fsr-3237	264	65	with	with	ADP
fsr-3237	264	66	interaction	interaction	NOUN
fsr-3237	264	67	effects	effect	NOUN
fsr-3237	264	68	.	.	PUNCT
fsr-3237	265	1	dependent	dependent	ADJ
fsr-3237	265	2	variable	variable	NOUN
fsr-3237	265	3	is	be	AUX
fsr-3237	265	4	the	the	DET
fsr-3237	265	5	number	number	NOUN
fsr-3237	265	6	of	of	ADP
fsr-3237	265	7	correct	correct	ADJ
fsr-3237	265	8	financial	financial	ADJ
fsr-3237	265	9	knowledge	knowledge	NOUN
fsr-3237	265	10	questions	question	NOUN
fsr-3237	265	11	answered	answer	VERB
fsr-3237	265	12	(	(	PUNCT
fsr-3237	265	13	0–3	0–3	NOUN
fsr-3237	265	14	)	)	PUNCT
fsr-3237	265	15	.	.	PUNCT
fsr-3237	266	1	independent	independent	ADJ
fsr-3237	266	2	variables	variable	NOUN
fsr-3237	266	3	in	in	ADP
fsr-3237	266	4	model	model	NOUN
fsr-3237	266	5	1	1	NUM
fsr-3237	266	6	are	be	AUX
fsr-3237	266	7	respondents	respondent	NOUN
fsr-3237	266	8	’	'	PUNCT
fsr-3237	266	9	financial	financial	ADJ
fsr-3237	266	10	education	education	NOUN
fsr-3237	266	11	after	after	ADP
fsr-3237	266	12	2007	2007	NUM
fsr-3237	266	13	,	,	PUNCT
fsr-3237	266	14	financial	financial	ADJ
fsr-3237	266	15	experience	experience	NOUN
fsr-3237	266	16	before	before	ADP
fsr-3237	266	17	2007	2007	NUM
fsr-3237	266	18	,	,	PUNCT
fsr-3237	266	19	parents	parent	NOUN
fsr-3237	266	20	’	'	PUNCT
fsr-3237	266	21	financial	financial	ADJ
fsr-3237	266	22	experience	experience	NOUN
fsr-3237	266	23	,	,	PUNCT
fsr-3237	266	24	interaction	interaction	NOUN
fsr-3237	266	25	between	between	ADP
fsr-3237	266	26	financial	financial	ADJ
fsr-3237	266	27	education	education	NOUN
fsr-3237	266	28	after	after	ADP
fsr-3237	266	29	2007	2007	NUM
fsr-3237	266	30	and	and	CCONJ
fsr-3237	266	31	financial	financial	ADJ
fsr-3237	266	32	experience	experience	NOUN
fsr-3237	266	33	before	before	ADP
fsr-3237	266	34	2007	2007	NUM
fsr-3237	266	35	,	,	PUNCT
fsr-3237	266	36	and	and	CCONJ
fsr-3237	266	37	interaction	interaction	NOUN
fsr-3237	266	38	between	between	ADP
fsr-3237	266	39	financial	financial	ADJ
fsr-3237	266	40	education	education	NOUN
fsr-3237	266	41	after	after	ADP
fsr-3237	266	42	2007	2007	NUM
fsr-3237	266	43	and	and	CCONJ
fsr-3237	266	44	parents	parent	NOUN
fsr-3237	266	45	’	’	PART
fsr-3237	266	46	financial	financial	ADJ
fsr-3237	266	47	experience	experience	NOUN
fsr-3237	266	48	.	.	PUNCT
fsr-3237	267	1	model	model	NOUN
fsr-3237	267	2	2	2	NUM
fsr-3237	267	3	used	use	VERB
fsr-3237	267	4	financial	financial	ADJ
fsr-3237	267	5	education	education	NOUN
fsr-3237	267	6	before	before	ADP
fsr-3237	267	7	2007	2007	NUM
fsr-3237	267	8	and	and	CCONJ
fsr-3237	267	9	financial	financial	ADJ
fsr-3237	267	10	experience	experience	NOUN
fsr-3237	267	11	after	after	ADP
fsr-3237	267	12	2007	2007	NUM
fsr-3237	267	13	;	;	PUNCT
fsr-3237	267	14	other	other	ADJ
fsr-3237	267	15	variables	variable	NOUN
fsr-3237	267	16	are	be	AUX
fsr-3237	267	17	the	the	DET
fsr-3237	267	18	same	same	ADJ
fsr-3237	267	19	as	as	ADP
fsr-3237	267	20	in	in	ADP
fsr-3237	267	21	model	model	NOUN
fsr-3237	267	22	1	1	NUM
fsr-3237	267	23	.	.	PUNCT
fsr-3237	268	1	control	control	NOUN
fsr-3237	268	2	variables	variable	NOUN
fsr-3237	268	3	include	include	VERB
fsr-3237	268	4	gender	gender	NOUN
fsr-3237	268	5	,	,	PUNCT
fsr-3237	268	6	age	age	NOUN
fsr-3237	268	7	in	in	ADP
fsr-3237	268	8	2007	2007	NUM
fsr-3237	268	9	,	,	PUNCT
fsr-3237	268	10	race	race	NOUN
fsr-3237	268	11	,	,	PUNCT
fsr-3237	268	12	education	education	NOUN
fsr-3237	268	13	,	,	PUNCT
fsr-3237	268	14	high	high	ADJ
fsr-3237	268	15	school	school	NOUN
fsr-3237	268	16	gpa	gpa	PROPN
fsr-3237	268	17	,	,	PUNCT
fsr-3237	268	18	respondents	respondent	NOUN
fsr-3237	268	19	’	'	PUNCT
fsr-3237	268	20	income	income	NOUN
fsr-3237	268	21	from	from	ADP
fsr-3237	268	22	wage	wage	NOUN
fsr-3237	268	23	and	and	CCONJ
fsr-3237	268	24	salary	salary	NOUN
fsr-3237	268	25	in	in	ADP
fsr-3237	268	26	2006	2006	NUM
fsr-3237	268	27	,	,	PUNCT
fsr-3237	268	28	parents	parent	NOUN
fsr-3237	268	29	’	'	PUNCT
fsr-3237	268	30	education	education	NOUN
fsr-3237	268	31	attainment	attainment	NOUN
fsr-3237	268	32	,	,	PUNCT
fsr-3237	268	33	and	and	CCONJ
fsr-3237	268	34	whether	whether	SCONJ
fsr-3237	268	35	respondents	respondent	NOUN
fsr-3237	268	36	asked	ask	VERB
fsr-3237	268	37	parents	parent	NOUN
fsr-3237	268	38	about	about	ADP
fsr-3237	268	39	finance	finance	NOUN
fsr-3237	268	40	issues	issue	NOUN
fsr-3237	268	41	.	.	PUNCT
fsr-3237	269	1	regression	regression	NOUN
fsr-3237	269	2	coefficients	coefficient	NOUN
fsr-3237	269	3	(	(	PUNCT
fsr-3237	269	4	�	�	NOUN
fsr-3237	269	5	)	)	PUNCT
fsr-3237	269	6	,	,	PUNCT
fsr-3237	269	7	incidence	incidence	NOUN
fsr-3237	269	8	rate	rate	NOUN
fsr-3237	269	9	ratios	ratio	NOUN
fsr-3237	269	10	(	(	PUNCT
fsr-3237	269	11	irrs	irrs	NOUN
fsr-3237	269	12	)	)	PUNCT
fsr-3237	269	13	calculated	calculate	VERB
fsr-3237	269	14	as	as	ADP
fsr-3237	269	15	(	(	PUNCT
fsr-3237	269	16	e	e	NOUN
fsr-3237	269	17	�	�	NOUN
fsr-3237	269	18	)	)	PUNCT
fsr-3237	269	19	,	,	PUNCT
fsr-3237	269	20	significance	significance	NOUN
fsr-3237	269	21	level	level	NOUN
fsr-3237	269	22	and	and	CCONJ
fsr-3237	269	23	standard	standard	ADJ
fsr-3237	269	24	error	error	NOUN
fsr-3237	269	25	are	be	AUX
fsr-3237	269	26	reported	report	VERB
fsr-3237	269	27	.	.	PUNCT
fsr-3237	270	1	*	*	PUNCT
fsr-3237	271	1	*	*	PUNCT
fsr-3237	271	2	*	*	PUNCT
fsr-3237	271	3	,	,	PUNCT
fsr-3237	271	4	*	*	PUNCT
fsr-3237	271	5	*	*	PUNCT
fsr-3237	271	6	,	,	PUNCT
fsr-3237	271	7	and	and	CCONJ
fsr-3237	271	8	*	*	PUNCT
fsr-3237	271	9	indicate	indicate	VERB
fsr-3237	271	10	statistical	statistical	ADJ
fsr-3237	271	11	significance	significance	NOUN
fsr-3237	271	12	at	at	ADP
fsr-3237	271	13	the	the	DET
fsr-3237	271	14	1	1	NUM
fsr-3237	271	15	%	%	NOUN
fsr-3237	271	16	,	,	PUNCT
fsr-3237	271	17	5	5	NUM
fsr-3237	271	18	%	%	NOUN
fsr-3237	271	19	,	,	PUNCT
fsr-3237	271	20	and	and	CCONJ
fsr-3237	271	21	10	10	NUM
fsr-3237	271	22	%	%	NOUN
fsr-3237	271	23	levels	level	NOUN
fsr-3237	271	24	,	,	PUNCT
fsr-3237	271	25	respectively	respectively	ADV
fsr-3237	271	26	.	.	PUNCT
fsr-3237	272	1	133n	133n	PROPN
fsr-3237	272	2	.	.	PUNCT
fsr-3237	273	1	tang	tang	PROPN
fsr-3237	273	2	,	,	PUNCT
fsr-3237	273	3	p.c	p.c	PROPN
fsr-3237	273	4	.	.	PROPN
fsr-3237	273	5	peter	peter	PROPN
fsr-3237	273	6	/	/	SYM
fsr-3237	273	7	financial	financial	ADJ
fsr-3237	273	8	services	service	NOUN
fsr-3237	273	9	review	review	VERB
fsr-3237	273	10	24	24	NUM
fsr-3237	273	11	(	(	PUNCT
fsr-3237	273	12	2015	2015	NUM
fsr-3237	273	13	)	)	PUNCT
fsr-3237	273	14	119–137	119–137	NUM
fsr-3237	273	15	financial	financial	ADJ
fsr-3237	273	16	knowledge	knowledge	NOUN
fsr-3237	273	17	score	score	NOUN
fsr-3237	273	18	,	,	PUNCT
fsr-3237	273	19	not	not	PART
fsr-3237	273	20	financial	financial	ADJ
fsr-3237	273	21	knowledge	knowledge	NOUN
fsr-3237	273	22	that	that	PRON
fsr-3237	273	23	pushes	push	VERB
fsr-3237	273	24	one	one	NUM
fsr-3237	273	25	to	to	PART
fsr-3237	273	26	become	become	VERB
fsr-3237	273	27	exposed	expose	VERB
fsr-3237	273	28	to	to	ADP
fsr-3237	273	29	financial	financial	ADJ
fsr-3237	273	30	education	education	NOUN
fsr-3237	273	31	(	(	PUNCT
fsr-3237	273	32	i.e.	i.e.	X
fsr-3237	273	33	,	,	PUNCT
fsr-3237	273	34	choose	choose	VERB
fsr-3237	273	35	one	one	NUM
fsr-3237	273	36	of	of	ADP
fsr-3237	273	37	the	the	DET
fsr-3237	273	38	finance	finance	NOUN
fsr-3237	273	39	-	-	PUNCT
fsr-3237	273	40	related	relate	VERB
fsr-3237	273	41	majors	major	NOUN
fsr-3237	273	42	)	)	PUNCT
fsr-3237	273	43	.	.	PUNCT
fsr-3237	274	1	similarly	similarly	ADV
fsr-3237	274	2	,	,	PUNCT
fsr-3237	274	3	the	the	DET
fsr-3237	274	4	positive	positive	ADJ
fsr-3237	274	5	relationship	relationship	NOUN
fsr-3237	274	6	between	between	ADP
fsr-3237	274	7	financial	financial	ADJ
fsr-3237	274	8	experience	experience	NOUN
fsr-3237	274	9	and	and	CCONJ
fsr-3237	274	10	financial	financial	ADJ
fsr-3237	274	11	knowledge	knowledge	NOUN
fsr-3237	274	12	scores	score	NOUN
fsr-3237	274	13	could	could	AUX
fsr-3237	274	14	be	be	AUX
fsr-3237	274	15	subject	subject	ADJ
fsr-3237	274	16	to	to	ADP
fsr-3237	274	17	reverse	reverse	NOUN
fsr-3237	274	18	-	-	PUNCT
fsr-3237	274	19	causality	causality	NOUN
fsr-3237	274	20	bias	bias	NOUN
fsr-3237	274	21	,	,	PUNCT
fsr-3237	274	22	the	the	DET
fsr-3237	274	23	problem	problem	NOUN
fsr-3237	274	24	commonly	commonly	ADV
fsr-3237	274	25	suffered	suffer	VERB
fsr-3237	274	26	by	by	ADP
fsr-3237	274	27	most	most	ADJ
fsr-3237	274	28	studies	study	NOUN
fsr-3237	274	29	on	on	ADP
fsr-3237	274	30	this	this	DET
fsr-3237	274	31	topic	topic	NOUN
fsr-3237	274	32	.	.	PUNCT
fsr-3237	275	1	given	give	VERB
fsr-3237	275	2	the	the	DET
fsr-3237	275	3	positive	positive	ADJ
fsr-3237	275	4	correlation	correlation	NOUN
fsr-3237	275	5	between	between	ADP
fsr-3237	275	6	financial	financial	ADJ
fsr-3237	275	7	experience	experience	NOUN
fsr-3237	275	8	and	and	CCONJ
fsr-3237	275	9	financial	financial	ADJ
fsr-3237	275	10	knowledge	knowledge	NOUN
fsr-3237	275	11	,	,	PUNCT
fsr-3237	275	12	it	it	PRON
fsr-3237	275	13	is	be	AUX
fsr-3237	275	14	hard	hard	ADJ
fsr-3237	275	15	to	to	PART
fsr-3237	275	16	determine	determine	VERB
fsr-3237	275	17	the	the	DET
fsr-3237	275	18	direction	direction	NOUN
fsr-3237	275	19	of	of	ADP
fsr-3237	275	20	causality	causality	NOUN
fsr-3237	275	21	.	.	PUNCT
fsr-3237	276	1	the	the	DET
fsr-3237	276	2	longitudinal	longitudinal	ADJ
fsr-3237	276	3	feature	feature	NOUN
fsr-3237	276	4	of	of	ADP
fsr-3237	276	5	nlsy97	nlsy97	NOUN
fsr-3237	276	6	dataset	dataset	VERB
fsr-3237	276	7	allows	allow	VERB
fsr-3237	276	8	us	we	PRON
fsr-3237	276	9	to	to	PART
fsr-3237	276	10	mitigate	mitigate	VERB
fsr-3237	276	11	and	and	CCONJ
fsr-3237	276	12	test	test	VERB
fsr-3237	276	13	for	for	ADP
fsr-3237	276	14	such	such	ADJ
fsr-3237	276	15	bias	bias	NOUN
fsr-3237	276	16	.	.	PUNCT
fsr-3237	277	1	first	first	ADV
fsr-3237	277	2	,	,	PUNCT
fsr-3237	277	3	we	we	PRON
fsr-3237	277	4	only	only	ADV
fsr-3237	277	5	used	use	VERB
fsr-3237	277	6	financial	financial	ADJ
fsr-3237	277	7	experience	experience	NOUN
fsr-3237	277	8	before	before	ADP
fsr-3237	277	9	2007	2007	NUM
fsr-3237	277	10	when	when	SCONJ
fsr-3237	277	11	financial	financial	ADJ
fsr-3237	277	12	knowledge	knowledge	NOUN
fsr-3237	277	13	questions	question	NOUN
fsr-3237	277	14	were	be	AUX
fsr-3237	277	15	asked	ask	VERB
fsr-3237	277	16	in	in	ADP
fsr-3237	277	17	our	our	PRON
fsr-3237	277	18	baseline	baseline	ADJ
fsr-3237	277	19	analysis	analysis	NOUN
fsr-3237	277	20	in	in	ADP
fsr-3237	277	21	the	the	DET
fsr-3237	277	22	previous	previous	ADJ
fsr-3237	277	23	section	section	NOUN
fsr-3237	277	24	.	.	PUNCT
fsr-3237	278	1	if	if	SCONJ
fsr-3237	278	2	the	the	DET
fsr-3237	278	3	financial	financial	ADJ
fsr-3237	278	4	knowledge	knowledge	NOUN
fsr-3237	278	5	level	level	NOUN
fsr-3237	278	6	is	be	AUX
fsr-3237	278	7	evaluated	evaluate	VERB
fsr-3237	278	8	after	after	ADP
fsr-3237	278	9	the	the	DET
fsr-3237	278	10	financial	financial	ADJ
fsr-3237	278	11	experience	experience	NOUN
fsr-3237	278	12	,	,	PUNCT
fsr-3237	278	13	to	to	ADP
fsr-3237	278	14	some	some	DET
fsr-3237	278	15	extent	extent	NOUN
fsr-3237	278	16	,	,	PUNCT
fsr-3237	278	17	it	it	PRON
fsr-3237	278	18	reduces	reduce	VERB
fsr-3237	278	19	the	the	DET
fsr-3237	278	20	possibility	possibility	NOUN
fsr-3237	278	21	that	that	SCONJ
fsr-3237	278	22	financial	financial	ADJ
fsr-3237	278	23	knowledge	knowledge	NOUN
fsr-3237	278	24	affects	affect	VERB
fsr-3237	278	25	financial	financial	ADJ
fsr-3237	278	26	experience	experience	NOUN
fsr-3237	278	27	.	.	PUNCT
fsr-3237	279	1	however	however	ADV
fsr-3237	279	2	,	,	PUNCT
fsr-3237	279	3	it	it	PRON
fsr-3237	279	4	is	be	AUX
fsr-3237	279	5	possible	possible	ADJ
fsr-3237	279	6	that	that	SCONJ
fsr-3237	279	7	financial	financial	ADJ
fsr-3237	279	8	knowledge	knowledge	NOUN
fsr-3237	279	9	is	be	AUX
fsr-3237	279	10	correlated	correlate	VERB
fsr-3237	279	11	over	over	ADP
fsr-3237	279	12	time	time	NOUN
fsr-3237	279	13	.	.	PUNCT
fsr-3237	280	1	that	that	PRON
fsr-3237	280	2	is	is	ADV
fsr-3237	280	3	,	,	PUNCT
fsr-3237	280	4	not	not	PART
fsr-3237	280	5	investing	invest	VERB
fsr-3237	280	6	in	in	ADP
fsr-3237	280	7	stocks	stock	NOUN
fsr-3237	280	8	in	in	ADP
fsr-3237	280	9	the	the	DET
fsr-3237	280	10	pre	pre	NOUN
fsr-3237	280	11	-	-	ADJ
fsr-3237	280	12	question	question	NOUN
fsr-3237	280	13	period	period	NOUN
fsr-3237	280	14	may	may	AUX
fsr-3237	280	15	be	be	AUX
fsr-3237	280	16	a	a	DET
fsr-3237	280	17	reflection	reflection	NOUN
fsr-3237	280	18	of	of	ADP
fsr-3237	280	19	low	low	ADJ
fsr-3237	280	20	financial	financial	ADJ
fsr-3237	280	21	knowledge	knowledge	NOUN
fsr-3237	280	22	,	,	PUNCT
fsr-3237	280	23	which	which	PRON
fsr-3237	280	24	is	be	AUX
fsr-3237	280	25	then	then	ADV
fsr-3237	280	26	explicitly	explicitly	ADV
fsr-3237	280	27	measured	measure	VERB
fsr-3237	280	28	by	by	ADP
fsr-3237	280	29	the	the	DET
fsr-3237	280	30	questions	question	NOUN
fsr-3237	280	31	asked	ask	VERB
fsr-3237	280	32	later	later	ADV
fsr-3237	280	33	.	.	PUNCT
fsr-3237	281	1	to	to	PART
fsr-3237	281	2	exclude	exclude	VERB
fsr-3237	281	3	such	such	DET
fsr-3237	281	4	a	a	DET
fsr-3237	281	5	possibility	possibility	NOUN
fsr-3237	281	6	,	,	PUNCT
fsr-3237	281	7	we	we	PRON
fsr-3237	281	8	rerun	rerun	VERB
fsr-3237	281	9	the	the	DET
fsr-3237	281	10	poisson	poisson	NOUN
fsr-3237	281	11	regression	regression	NOUN
fsr-3237	281	12	by	by	ADP
fsr-3237	281	13	using	use	VERB
fsr-3237	281	14	financial	financial	ADJ
fsr-3237	281	15	experience	experience	NOUN
fsr-3237	281	16	after	after	ADP
fsr-3237	281	17	2007	2007	NUM
fsr-3237	281	18	.	.	PUNCT
fsr-3237	282	1	the	the	DET
fsr-3237	282	2	results	result	NOUN
fsr-3237	282	3	are	be	AUX
fsr-3237	282	4	shown	show	VERB
fsr-3237	282	5	in	in	ADP
fsr-3237	282	6	column	column	NOUN
fsr-3237	282	7	2	2	NUM
fsr-3237	282	8	table	table	NOUN
fsr-3237	282	9	5	5	NUM
fsr-3237	282	10	.	.	PUNCT
fsr-3237	283	1	the	the	DET
fsr-3237	283	2	effect	effect	NOUN
fsr-3237	283	3	of	of	ADP
fsr-3237	283	4	financial	financial	ADJ
fsr-3237	283	5	experience	experience	NOUN
fsr-3237	283	6	after	after	ADP
fsr-3237	283	7	2007	2007	NUM
fsr-3237	283	8	is	be	AUX
fsr-3237	283	9	not	not	PART
fsr-3237	283	10	significant	significant	ADJ
fsr-3237	283	11	.	.	PUNCT
fsr-3237	284	1	the	the	DET
fsr-3237	284	2	difference	difference	NOUN
fsr-3237	284	3	in	in	ADP
fsr-3237	284	4	financial	financial	ADJ
fsr-3237	284	5	knowledge	knowledge	NOUN
fsr-3237	284	6	between	between	ADP
fsr-3237	284	7	individuals	individual	NOUN
fsr-3237	284	8	who	who	PRON
fsr-3237	284	9	have	have	VERB
fsr-3237	284	10	financial	financial	ADJ
fsr-3237	284	11	experience	experience	NOUN
fsr-3237	284	12	and	and	CCONJ
fsr-3237	284	13	those	those	PRON
fsr-3237	284	14	who	who	PRON
fsr-3237	284	15	do	do	AUX
fsr-3237	284	16	not	not	PART
fsr-3237	284	17	disappears	disappear	VERB
fsr-3237	284	18	if	if	SCONJ
fsr-3237	284	19	financial	financial	ADJ
fsr-3237	284	20	experience	experience	NOUN
fsr-3237	284	21	was	be	AUX
fsr-3237	284	22	measured	measure	VERB
fsr-3237	284	23	after	after	ADP
fsr-3237	284	24	the	the	DET
fsr-3237	284	25	financial	financial	ADJ
fsr-3237	284	26	knowledge	knowledge	NOUN
fsr-3237	284	27	question	question	NOUN
fsr-3237	284	28	.	.	PUNCT
fsr-3237	285	1	therefore	therefore	ADV
fsr-3237	285	2	,	,	PUNCT
fsr-3237	285	3	the	the	DET
fsr-3237	285	4	positive	positive	ADJ
fsr-3237	285	5	correlation	correlation	NOUN
fsr-3237	285	6	between	between	ADP
fsr-3237	285	7	financial	financial	ADJ
fsr-3237	285	8	knowledge	knowledge	NOUN
fsr-3237	285	9	and	and	CCONJ
fsr-3237	285	10	financial	financial	ADJ
fsr-3237	285	11	experience	experience	NOUN
fsr-3237	285	12	observed	observe	VERB
fsr-3237	285	13	in	in	ADP
fsr-3237	285	14	tables	table	NOUN
fsr-3237	285	15	3	3	NUM
fsr-3237	285	16	and	and	CCONJ
fsr-3237	285	17	4	4	NUM
fsr-3237	285	18	is	be	AUX
fsr-3237	285	19	mainly	mainly	ADV
fsr-3237	285	20	caused	cause	VERB
fsr-3237	285	21	by	by	ADP
fsr-3237	285	22	the	the	DET
fsr-3237	285	23	effects	effect	NOUN
fsr-3237	285	24	of	of	ADP
fsr-3237	285	25	financial	financial	ADJ
fsr-3237	285	26	experience	experience	NOUN
fsr-3237	285	27	on	on	ADP
fsr-3237	285	28	financial	financial	ADJ
fsr-3237	285	29	knowledge	knowledge	NOUN
fsr-3237	285	30	.	.	PUNCT
fsr-3237	286	1	our	our	PRON
fsr-3237	286	2	conclusions	conclusion	NOUN
fsr-3237	286	3	are	be	AUX
fsr-3237	286	4	robust	robust	ADJ
fsr-3237	286	5	.	.	PUNCT
fsr-3237	287	1	5	5	X
fsr-3237	287	2	.	.	X
fsr-3237	287	3	conclusions	conclusion	NOUN
fsr-3237	287	4	financial	financial	ADJ
fsr-3237	287	5	knowledge	knowledge	NOUN
fsr-3237	287	6	can	can	AUX
fsr-3237	287	7	lead	lead	VERB
fsr-3237	287	8	to	to	ADP
fsr-3237	287	9	better	well	ADJ
fsr-3237	287	10	decision	decision	NOUN
fsr-3237	287	11	-	-	PUNCT
fsr-3237	287	12	making	making	NOUN
fsr-3237	287	13	.	.	PUNCT
fsr-3237	288	1	to	to	PART
fsr-3237	288	2	formulate	formulate	VERB
fsr-3237	288	3	effective	effective	ADJ
fsr-3237	288	4	public	public	ADJ
fsr-3237	288	5	policy	policy	NOUN
fsr-3237	288	6	interventions	intervention	NOUN
fsr-3237	288	7	to	to	PART
fsr-3237	288	8	increase	increase	VERB
fsr-3237	288	9	financial	financial	ADJ
fsr-3237	288	10	knowledge	knowledge	NOUN
fsr-3237	288	11	among	among	ADP
fsr-3237	288	12	the	the	DET
fsr-3237	288	13	young	young	ADJ
fsr-3237	288	14	,	,	PUNCT
fsr-3237	288	15	we	we	PRON
fsr-3237	288	16	need	need	VERB
fsr-3237	288	17	to	to	PART
fsr-3237	288	18	identify	identify	VERB
fsr-3237	288	19	and	and	CCONJ
fsr-3237	288	20	manage	manage	VERB
fsr-3237	288	21	aspects	aspect	NOUN
fsr-3237	288	22	that	that	PRON
fsr-3237	288	23	influence	influence	VERB
fsr-3237	288	24	the	the	DET
fsr-3237	288	25	process	process	NOUN
fsr-3237	288	26	through	through	ADP
fsr-3237	288	27	which	which	PRON
fsr-3237	288	28	individuals	individual	NOUN
fsr-3237	288	29	acquire	acquire	VERB
fsr-3237	288	30	financial	financial	ADJ
fsr-3237	288	31	knowledge	knowledge	NOUN
fsr-3237	288	32	.	.	PUNCT
fsr-3237	289	1	this	this	DET
fsr-3237	289	2	article	article	NOUN
fsr-3237	289	3	adapts	adapt	VERB
fsr-3237	289	4	kolb	kolb	PROPN
fsr-3237	289	5	’s	’s	PART
fsr-3237	289	6	model	model	NOUN
fsr-3237	289	7	of	of	ADP
fsr-3237	289	8	learning	learn	VERB
fsr-3237	289	9	process	process	NOUN
fsr-3237	289	10	,	,	PUNCT
fsr-3237	289	11	which	which	PRON
fsr-3237	289	12	relies	rely	VERB
fsr-3237	289	13	on	on	ADP
fsr-3237	289	14	the	the	DET
fsr-3237	289	15	concurrent	concurrent	ADJ
fsr-3237	289	16	roles	role	NOUN
fsr-3237	289	17	of	of	ADP
fsr-3237	289	18	the	the	DET
fsr-3237	289	19	educational	educational	ADJ
fsr-3237	289	20	,	,	PUNCT
fsr-3237	289	21	observational	observational	ADJ
fsr-3237	289	22	,	,	PUNCT
fsr-3237	289	23	and	and	CCONJ
fsr-3237	289	24	experiential	experiential	ADJ
fsr-3237	289	25	components	component	NOUN
fsr-3237	289	26	of	of	ADP
fsr-3237	289	27	knowledge	knowledge	NOUN
fsr-3237	289	28	acquisition	acquisition	NOUN
fsr-3237	289	29	.	.	PUNCT
fsr-3237	290	1	with	with	ADP
fsr-3237	290	2	a	a	DET
fsr-3237	290	3	longitudinal	longitudinal	ADJ
fsr-3237	290	4	study	study	NOUN
fsr-3237	290	5	,	,	PUNCT
fsr-3237	290	6	we	we	PRON
fsr-3237	290	7	test	test	VERB
fsr-3237	290	8	the	the	DET
fsr-3237	290	9	effects	effect	NOUN
fsr-3237	290	10	of	of	ADP
fsr-3237	290	11	three	three	NUM
fsr-3237	290	12	hypothesized	hypothesized	ADJ
fsr-3237	290	13	factors	factor	NOUN
fsr-3237	290	14	on	on	ADP
fsr-3237	290	15	financial	financial	ADJ
fsr-3237	290	16	knowledge	knowledge	NOUN
fsr-3237	290	17	:	:	PUNCT
fsr-3237	290	18	financial	financial	ADJ
fsr-3237	290	19	education	education	NOUN
fsr-3237	290	20	,	,	PUNCT
fsr-3237	290	21	financial	financial	ADJ
fsr-3237	290	22	experience	experience	NOUN
fsr-3237	290	23	,	,	PUNCT
fsr-3237	290	24	and	and	CCONJ
fsr-3237	290	25	parents	parent	NOUN
fsr-3237	290	26	’	’	PART
fsr-3237	290	27	financial	financial	ADJ
fsr-3237	290	28	experience	experience	NOUN
fsr-3237	290	29	.	.	PUNCT
fsr-3237	291	1	based	base	VERB
fsr-3237	291	2	on	on	ADP
fsr-3237	291	3	our	our	PRON
fsr-3237	291	4	results	result	NOUN
fsr-3237	291	5	,	,	PUNCT
fsr-3237	291	6	all	all	DET
fsr-3237	291	7	three	three	NUM
fsr-3237	291	8	factors	factor	NOUN
fsr-3237	291	9	significantly	significantly	ADV
fsr-3237	291	10	improve	improve	VERB
fsr-3237	291	11	young	young	ADJ
fsr-3237	291	12	adults	adult	NOUN
fsr-3237	291	13	’	'	PUNCT
fsr-3237	291	14	financial	financial	ADJ
fsr-3237	291	15	knowledge	knowledge	NOUN
fsr-3237	291	16	.	.	PUNCT
fsr-3237	292	1	moreover	moreover	ADV
fsr-3237	292	2	,	,	PUNCT
fsr-3237	292	3	they	they	PRON
fsr-3237	292	4	work	work	VERB
fsr-3237	292	5	interactively	interactively	ADV
fsr-3237	292	6	.	.	PUNCT
fsr-3237	293	1	young	young	ADJ
fsr-3237	293	2	adults	adult	NOUN
fsr-3237	293	3	who	who	PRON
fsr-3237	293	4	do	do	AUX
fsr-3237	293	5	not	not	PART
fsr-3237	293	6	have	have	VERB
fsr-3237	293	7	financial	financial	ADJ
fsr-3237	293	8	education	education	NOUN
fsr-3237	293	9	benefit	benefit	NOUN
fsr-3237	293	10	more	more	ADV
fsr-3237	293	11	from	from	ADP
fsr-3237	293	12	financial	financial	ADJ
fsr-3237	293	13	experience	experience	NOUN
fsr-3237	293	14	and	and	CCONJ
fsr-3237	293	15	parents	parent	NOUN
fsr-3237	293	16	’	’	PART
fsr-3237	293	17	financial	financial	ADJ
fsr-3237	293	18	experience	experience	NOUN
fsr-3237	293	19	.	.	PUNCT
fsr-3237	294	1	our	our	PRON
fsr-3237	294	2	results	result	NOUN
fsr-3237	294	3	indicate	indicate	VERB
fsr-3237	294	4	the	the	DET
fsr-3237	294	5	indispensable	indispensable	ADJ
fsr-3237	294	6	role	role	NOUN
fsr-3237	294	7	of	of	ADP
fsr-3237	294	8	hands	hand	NOUN
fsr-3237	294	9	-	-	PUNCT
fsr-3237	294	10	on	on	ADP
fsr-3237	294	11	experience	experience	NOUN
fsr-3237	294	12	and	and	CCONJ
fsr-3237	294	13	parents	parent	NOUN
fsr-3237	294	14	’	’	PART
fsr-3237	294	15	influence	influence	NOUN
fsr-3237	294	16	especially	especially	ADV
fsr-3237	294	17	when	when	SCONJ
fsr-3237	294	18	school	school	NOUN
fsr-3237	294	19	education	education	NOUN
fsr-3237	294	20	is	be	AUX
fsr-3237	294	21	not	not	PART
fsr-3237	294	22	available	available	ADJ
fsr-3237	294	23	.	.	PUNCT
fsr-3237	295	1	our	our	PRON
fsr-3237	295	2	findings	finding	NOUN
fsr-3237	295	3	have	have	VERB
fsr-3237	295	4	important	important	ADJ
fsr-3237	295	5	implications	implication	NOUN
fsr-3237	295	6	for	for	ADP
fsr-3237	295	7	financial	financial	ADJ
fsr-3237	295	8	literacy	literacy	NOUN
fsr-3237	295	9	program	program	NOUN
fsr-3237	295	10	evaluation	evaluation	NOUN
fsr-3237	295	11	,	,	PUNCT
fsr-3237	295	12	design	design	NOUN
fsr-3237	295	13	,	,	PUNCT
fsr-3237	295	14	and	and	CCONJ
fsr-3237	295	15	implementation	implementation	NOUN
fsr-3237	295	16	.	.	PUNCT
fsr-3237	296	1	our	our	PRON
fsr-3237	296	2	model	model	NOUN
fsr-3237	296	3	indicates	indicate	VERB
fsr-3237	296	4	that	that	SCONJ
fsr-3237	296	5	financial	financial	ADJ
fsr-3237	296	6	education	education	NOUN
fsr-3237	296	7	,	,	PUNCT
fsr-3237	296	8	financial	financial	ADJ
fsr-3237	296	9	experience	experience	NOUN
fsr-3237	296	10	and	and	CCONJ
fsr-3237	296	11	parents	parent	NOUN
fsr-3237	296	12	’	'	PUNCT
fsr-3237	296	13	financial	financial	ADJ
fsr-3237	296	14	experience	experience	NOUN
fsr-3237	296	15	work	work	NOUN
fsr-3237	296	16	concurrently	concurrently	ADV
fsr-3237	296	17	and	and	CCONJ
fsr-3237	296	18	interactively	interactively	ADV
fsr-3237	296	19	on	on	ADP
fsr-3237	296	20	financial	financial	ADJ
fsr-3237	296	21	knowledge	knowledge	NOUN
fsr-3237	296	22	acquisition	acquisition	NOUN
fsr-3237	296	23	.	.	PUNCT
fsr-3237	297	1	therefore	therefore	ADV
fsr-3237	297	2	,	,	PUNCT
fsr-3237	297	3	it	it	PRON
fsr-3237	297	4	’s	’	VERB
fsr-3237	297	5	inappropriate	inappropriate	ADJ
fsr-3237	297	6	to	to	PART
fsr-3237	297	7	evaluate	evaluate	VERB
fsr-3237	297	8	the	the	DET
fsr-3237	297	9	effectiveness	effectiveness	NOUN
fsr-3237	297	10	of	of	ADP
fsr-3237	297	11	one	one	NUM
fsr-3237	297	12	determinant	determinant	ADJ
fsr-3237	297	13	independently	independently	ADV
fsr-3237	297	14	from	from	ADP
fsr-3237	297	15	the	the	DET
fsr-3237	297	16	other	other	ADJ
fsr-3237	297	17	factors	factor	NOUN
fsr-3237	297	18	.	.	PUNCT
fsr-3237	298	1	for	for	ADP
fsr-3237	298	2	example	example	NOUN
fsr-3237	298	3	,	,	PUNCT
fsr-3237	298	4	to	to	PART
fsr-3237	298	5	evaluate	evaluate	VERB
fsr-3237	298	6	the	the	DET
fsr-3237	298	7	effectiveness	effectiveness	NOUN
fsr-3237	298	8	of	of	ADP
fsr-3237	298	9	a	a	DET
fsr-3237	298	10	personal	personal	ADJ
fsr-3237	298	11	finance	finance	NOUN
fsr-3237	298	12	curriculum	curriculum	NOUN
fsr-3237	298	13	,	,	PUNCT
fsr-3237	298	14	we	we	PRON
fsr-3237	298	15	need	need	VERB
fsr-3237	298	16	to	to	PART
fsr-3237	298	17	consider	consider	VERB
fsr-3237	298	18	students	student	NOUN
fsr-3237	298	19	’	'	PUNCT
fsr-3237	298	20	previous	previous	ADJ
fsr-3237	298	21	financial	financial	ADJ
fsr-3237	298	22	experience	experience	NOUN
fsr-3237	298	23	and	and	CCONJ
fsr-3237	298	24	their	their	PRON
fsr-3237	298	25	parents	parent	NOUN
fsr-3237	298	26	’	’	PART
fsr-3237	298	27	financial	financial	ADJ
fsr-3237	298	28	sophistication	sophistication	NOUN
fsr-3237	298	29	.	.	PUNCT
fsr-3237	299	1	otherwise	otherwise	ADV
fsr-3237	299	2	,	,	PUNCT
fsr-3237	299	3	the	the	DET
fsr-3237	299	4	results	result	NOUN
fsr-3237	299	5	can	can	AUX
fsr-3237	299	6	be	be	AUX
fsr-3237	299	7	biased	bias	VERB
fsr-3237	299	8	.	.	PUNCT
fsr-3237	300	1	in	in	ADP
fsr-3237	300	2	addition	addition	NOUN
fsr-3237	300	3	,	,	PUNCT
fsr-3237	300	4	our	our	PRON
fsr-3237	300	5	results	result	NOUN
fsr-3237	300	6	show	show	VERB
fsr-3237	300	7	that	that	SCONJ
fsr-3237	300	8	school	school	NOUN
fsr-3237	300	9	-	-	PUNCT
fsr-3237	300	10	based	base	VERB
fsr-3237	300	11	education	education	NOUN
fsr-3237	300	12	is	be	AUX
fsr-3237	300	13	not	not	PART
fsr-3237	300	14	the	the	DET
fsr-3237	300	15	only	only	ADJ
fsr-3237	300	16	way	way	NOUN
fsr-3237	300	17	young	young	ADJ
fsr-3237	300	18	adults	adult	NOUN
fsr-3237	300	19	learn	learn	VERB
fsr-3237	300	20	financial	financial	ADJ
fsr-3237	300	21	134	134	NUM
fsr-3237	300	22	n.	n.	NOUN
fsr-3237	300	23	tang	tang	PROPN
fsr-3237	300	24	,	,	PUNCT
fsr-3237	300	25	p.c	p.c	PROPN
fsr-3237	300	26	.	.	PROPN
fsr-3237	300	27	peter	peter	PROPN
fsr-3237	300	28	/	/	SYM
fsr-3237	300	29	financial	financial	ADJ
fsr-3237	300	30	services	service	NOUN
fsr-3237	300	31	review	review	VERB
fsr-3237	300	32	24	24	NUM
fsr-3237	300	33	(	(	PUNCT
fsr-3237	300	34	2015	2015	NUM
fsr-3237	300	35	)	)	PUNCT
fsr-3237	300	36	119–137	119–137	NUM
fsr-3237	300	37	knowledge	knowledge	NOUN
fsr-3237	300	38	.	.	PUNCT
fsr-3237	301	1	both	both	PRON
fsr-3237	301	2	individual	individual	ADJ
fsr-3237	301	3	and	and	CCONJ
fsr-3237	301	4	parents	parent	NOUN
fsr-3237	301	5	’	'	PUNCT
fsr-3237	301	6	financial	financial	ADJ
fsr-3237	301	7	experience	experience	NOUN
fsr-3237	301	8	could	could	AUX
fsr-3237	301	9	help	help	VERB
fsr-3237	301	10	narrow	narrow	VERB
fsr-3237	301	11	the	the	DET
fsr-3237	301	12	gap	gap	NOUN
fsr-3237	301	13	in	in	ADP
fsr-3237	301	14	financial	financial	ADJ
fsr-3237	301	15	knowledge	knowledge	NOUN
fsr-3237	301	16	caused	cause	VERB
fsr-3237	301	17	by	by	ADP
fsr-3237	301	18	lack	lack	NOUN
fsr-3237	301	19	of	of	ADP
fsr-3237	301	20	financial	financial	ADJ
fsr-3237	301	21	education	education	NOUN
fsr-3237	301	22	.	.	PUNCT
fsr-3237	302	1	again	again	ADV
fsr-3237	302	2	,	,	PUNCT
fsr-3237	302	3	these	these	DET
fsr-3237	302	4	findings	finding	NOUN
fsr-3237	302	5	can	can	AUX
fsr-3237	302	6	help	help	VERB
fsr-3237	302	7	in	in	ADP
fsr-3237	302	8	the	the	DET
fsr-3237	302	9	design	design	NOUN
fsr-3237	302	10	of	of	ADP
fsr-3237	302	11	better	well	ADJ
fsr-3237	302	12	financial	financial	ADJ
fsr-3237	302	13	education	education	NOUN
fsr-3237	302	14	programs	program	NOUN
fsr-3237	302	15	.	.	PUNCT
fsr-3237	303	1	we	we	PRON
fsr-3237	303	2	encourage	encourage	VERB
fsr-3237	303	3	more	more	ADJ
fsr-3237	303	4	policy	policy	NOUN
fsr-3237	303	5	support	support	NOUN
fsr-3237	303	6	for	for	ADP
fsr-3237	303	7	community	community	NOUN
fsr-3237	303	8	and	and	CCONJ
fsr-3237	303	9	family	family	NOUN
fsr-3237	303	10	-	-	PUNCT
fsr-3237	303	11	based	base	VERB
fsr-3237	303	12	interventions	intervention	NOUN
fsr-3237	303	13	,	,	PUNCT
fsr-3237	303	14	especially	especially	ADV
fsr-3237	303	15	among	among	ADP
fsr-3237	303	16	those	those	PRON
fsr-3237	303	17	who	who	PRON
fsr-3237	303	18	lack	lack	VERB
fsr-3237	303	19	formal	formal	ADJ
fsr-3237	303	20	financial	financial	ADJ
fsr-3237	303	21	education	education	NOUN
fsr-3237	303	22	.	.	PUNCT
fsr-3237	304	1	we	we	PRON
fsr-3237	304	2	would	would	AUX
fsr-3237	304	3	like	like	VERB
fsr-3237	304	4	to	to	PART
fsr-3237	304	5	offer	offer	VERB
fsr-3237	304	6	an	an	DET
fsr-3237	304	7	evaluation	evaluation	NOUN
fsr-3237	304	8	of	of	ADP
fsr-3237	304	9	the	the	DET
fsr-3237	304	10	three	three	NUM
fsr-3237	304	11	financial	financial	ADJ
fsr-3237	304	12	knowledge	knowledge	NOUN
fsr-3237	304	13	questions	question	NOUN
fsr-3237	304	14	used	use	VERB
fsr-3237	304	15	in	in	ADP
fsr-3237	304	16	the	the	DET
fsr-3237	304	17	nlsy97	nlsy97	NOUN
fsr-3237	304	18	survey	survey	NOUN
fsr-3237	304	19	.	.	PUNCT
fsr-3237	305	1	although	although	SCONJ
fsr-3237	305	2	many	many	ADJ
fsr-3237	305	3	studies	study	NOUN
fsr-3237	305	4	use	use	VERB
fsr-3237	305	5	them	they	PRON
fsr-3237	305	6	,	,	PUNCT
fsr-3237	305	7	the	the	DET
fsr-3237	305	8	questions	question	NOUN
fsr-3237	305	9	mainly	mainly	ADV
fsr-3237	305	10	focus	focus	VERB
fsr-3237	305	11	on	on	ADP
fsr-3237	305	12	evaluating	evaluate	VERB
fsr-3237	305	13	how	how	SCONJ
fsr-3237	305	14	well	well	ADV
fsr-3237	305	15	respondents	respondent	NOUN
fsr-3237	305	16	have	have	AUX
fsr-3237	305	17	grasped	grasp	VERB
fsr-3237	305	18	certain	certain	ADJ
fsr-3237	305	19	theoretical	theoretical	ADJ
fsr-3237	305	20	concepts	concept	NOUN
fsr-3237	305	21	.	.	PUNCT
fsr-3237	306	1	these	these	DET
fsr-3237	306	2	questions	question	NOUN
fsr-3237	306	3	may	may	AUX
fsr-3237	306	4	fail	fail	VERB
fsr-3237	306	5	to	to	PART
fsr-3237	306	6	capture	capture	VERB
fsr-3237	306	7	the	the	DET
fsr-3237	306	8	application	application	NOUN
fsr-3237	306	9	-	-	PUNCT
fsr-3237	306	10	oriented	orient	VERB
fsr-3237	306	11	knowledge	knowledge	NOUN
fsr-3237	306	12	learned	learn	VERB
fsr-3237	306	13	from	from	ADP
fsr-3237	306	14	parents	parent	NOUN
fsr-3237	306	15	or	or	CCONJ
fsr-3237	306	16	gained	gain	VERB
fsr-3237	306	17	through	through	ADP
fsr-3237	306	18	investment	investment	NOUN
fsr-3237	306	19	experience	experience	NOUN
fsr-3237	306	20	.	.	PUNCT
fsr-3237	307	1	this	this	PRON
fsr-3237	307	2	is	be	AUX
fsr-3237	307	3	part	part	NOUN
fsr-3237	307	4	of	of	ADP
fsr-3237	307	5	the	the	DET
fsr-3237	307	6	larger	large	ADJ
fsr-3237	307	7	problem	problem	NOUN
fsr-3237	307	8	of	of	ADP
fsr-3237	307	9	a	a	DET
fsr-3237	307	10	lack	lack	NOUN
fsr-3237	307	11	of	of	ADP
fsr-3237	307	12	rigorous	rigorous	ADJ
fsr-3237	307	13	measures	measure	NOUN
fsr-3237	307	14	of	of	ADP
fsr-3237	307	15	financial	financial	ADJ
fsr-3237	307	16	literacy	literacy	NOUN
fsr-3237	307	17	for	for	SCONJ
fsr-3237	307	18	researchers	researcher	NOUN
fsr-3237	307	19	to	to	PART
fsr-3237	307	20	use	use	VERB
fsr-3237	307	21	in	in	ADP
fsr-3237	307	22	their	their	PRON
fsr-3237	307	23	studies	study	NOUN
fsr-3237	307	24	(	(	PUNCT
fsr-3237	307	25	huston	huston	PROPN
fsr-3237	307	26	,	,	PUNCT
fsr-3237	307	27	2010	2010	NUM
fsr-3237	307	28	;	;	PUNCT
fsr-3237	307	29	schmeiser	schmeis	ADJ
fsr-3237	307	30	and	and	CCONJ
fsr-3237	307	31	seligman	seligman	NOUN
fsr-3237	307	32	,	,	PUNCT
fsr-3237	307	33	2013	2013	NUM
fsr-3237	307	34	;	;	PUNCT
fsr-3237	307	35	volpe	volpe	PROPN
fsr-3237	307	36	,	,	PUNCT
fsr-3237	307	37	chen	chen	PROPN
fsr-3237	307	38	,	,	PUNCT
fsr-3237	307	39	and	and	CCONJ
fsr-3237	307	40	liu	liu	PROPN
fsr-3237	307	41	,	,	PUNCT
fsr-3237	307	42	2006	2006	NUM
fsr-3237	307	43	)	)	PUNCT
fsr-3237	307	44	.	.	PUNCT
fsr-3237	308	1	as	as	SCONJ
fsr-3237	308	2	measures	measure	NOUN
fsr-3237	308	3	of	of	ADP
fsr-3237	308	4	financial	financial	ADJ
fsr-3237	308	5	knowledge	knowledge	NOUN
fsr-3237	308	6	become	become	VERB
fsr-3237	308	7	more	more	ADV
fsr-3237	308	8	rigorous	rigorous	ADJ
fsr-3237	308	9	,	,	PUNCT
fsr-3237	308	10	the	the	DET
fsr-3237	308	11	results	result	NOUN
fsr-3237	308	12	of	of	ADP
fsr-3237	308	13	studies	study	NOUN
fsr-3237	308	14	such	such	ADJ
fsr-3237	308	15	as	as	ADP
fsr-3237	308	16	ours	ours	PRON
fsr-3237	308	17	will	will	AUX
fsr-3237	308	18	become	become	VERB
fsr-3237	308	19	more	more	ADV
fsr-3237	308	20	exact	exact	ADJ
fsr-3237	308	21	and	and	CCONJ
fsr-3237	308	22	useful	useful	ADJ
fsr-3237	308	23	.	.	PUNCT
fsr-3237	309	1	another	another	DET
fsr-3237	309	2	area	area	NOUN
fsr-3237	309	3	of	of	ADP
fsr-3237	309	4	possible	possible	ADJ
fsr-3237	309	5	improvement	improvement	NOUN
fsr-3237	309	6	is	be	AUX
fsr-3237	309	7	our	our	PRON
fsr-3237	309	8	financial	financial	ADJ
fsr-3237	309	9	knowledge	knowledge	NOUN
fsr-3237	309	10	acquisition	acquisition	NOUN
fsr-3237	309	11	framework	framework	NOUN
fsr-3237	309	12	measures	measure	NOUN
fsr-3237	309	13	.	.	PUNCT
fsr-3237	310	1	our	our	PRON
fsr-3237	310	2	study	study	NOUN
fsr-3237	310	3	uses	use	VERB
fsr-3237	310	4	college	college	NOUN
fsr-3237	310	5	major	major	NOUN
fsr-3237	310	6	as	as	ADP
fsr-3237	310	7	a	a	DET
fsr-3237	310	8	proxy	proxy	NOUN
fsr-3237	310	9	for	for	ADP
fsr-3237	310	10	financial	financial	ADJ
fsr-3237	310	11	education	education	NOUN
fsr-3237	310	12	,	,	PUNCT
fsr-3237	310	13	and	and	CCONJ
fsr-3237	310	14	uses	use	VERB
fsr-3237	310	15	investment	investment	NOUN
fsr-3237	310	16	experience	experience	NOUN
fsr-3237	310	17	as	as	ADP
fsr-3237	310	18	a	a	DET
fsr-3237	310	19	proxy	proxy	NOUN
fsr-3237	310	20	for	for	ADP
fsr-3237	310	21	financial	financial	ADJ
fsr-3237	310	22	experience	experience	NOUN
fsr-3237	310	23	.	.	PUNCT
fsr-3237	311	1	future	future	ADJ
fsr-3237	311	2	studies	study	NOUN
fsr-3237	311	3	can	can	AUX
fsr-3237	311	4	support	support	VERB
fsr-3237	311	5	and	and	CCONJ
fsr-3237	311	6	expand	expand	VERB
fsr-3237	311	7	our	our	PRON
fsr-3237	311	8	theoretical	theoretical	ADJ
fsr-3237	311	9	framework	framework	NOUN
fsr-3237	311	10	by	by	ADP
fsr-3237	311	11	considering	consider	VERB
fsr-3237	311	12	an	an	DET
fsr-3237	311	13	array	array	NOUN
fsr-3237	311	14	of	of	ADP
fsr-3237	311	15	variables	variable	NOUN
fsr-3237	311	16	that	that	PRON
fsr-3237	311	17	might	might	AUX
fsr-3237	311	18	fall	fall	VERB
fsr-3237	311	19	under	under	ADP
fsr-3237	311	20	financial	financial	ADJ
fsr-3237	311	21	education	education	NOUN
fsr-3237	311	22	and	and	CCONJ
fsr-3237	311	23	financial	financial	ADJ
fsr-3237	311	24	experience	experience	NOUN
fsr-3237	311	25	.	.	PUNCT
fsr-3237	312	1	for	for	ADP
fsr-3237	312	2	example	example	NOUN
fsr-3237	312	3	,	,	PUNCT
fsr-3237	312	4	financial	financial	ADJ
fsr-3237	312	5	education	education	NOUN
fsr-3237	312	6	in	in	ADP
fsr-3237	312	7	high	high	ADJ
fsr-3237	312	8	school	school	NOUN
fsr-3237	312	9	or	or	CCONJ
fsr-3237	312	10	state	state	NOUN
fsr-3237	312	11	financial	financial	ADJ
fsr-3237	312	12	education	education	NOUN
fsr-3237	312	13	curriculum	curriculum	NOUN
fsr-3237	312	14	mandates	mandate	NOUN
fsr-3237	312	15	could	could	AUX
fsr-3237	312	16	be	be	AUX
fsr-3237	312	17	alternative	alternative	ADJ
fsr-3237	312	18	measures	measure	NOUN
fsr-3237	312	19	of	of	ADP
fsr-3237	312	20	young	young	ADJ
fsr-3237	312	21	adults	adult	NOUN
fsr-3237	312	22	’	'	PUNCT
fsr-3237	312	23	exposure	exposure	NOUN
fsr-3237	312	24	to	to	ADP
fsr-3237	312	25	financial	financial	ADJ
fsr-3237	312	26	education	education	NOUN
fsr-3237	312	27	.	.	PUNCT
fsr-3237	313	1	studying	study	VERB
fsr-3237	313	2	the	the	DET
fsr-3237	313	3	influence	influence	NOUN
fsr-3237	313	4	of	of	ADP
fsr-3237	313	5	financial	financial	ADJ
fsr-3237	313	6	experience	experience	NOUN
fsr-3237	313	7	in	in	ADP
fsr-3237	313	8	areas	area	NOUN
fsr-3237	313	9	such	such	ADJ
fsr-3237	313	10	as	as	ADP
fsr-3237	313	11	cash	cash	NOUN
fsr-3237	313	12	-	-	PUNCT
fsr-3237	313	13	flow	flow	NOUN
fsr-3237	313	14	management	management	NOUN
fsr-3237	313	15	,	,	PUNCT
fsr-3237	313	16	credit	credit	NOUN
fsr-3237	313	17	management	management	NOUN
fsr-3237	313	18	,	,	PUNCT
fsr-3237	313	19	savings	saving	NOUN
fsr-3237	313	20	,	,	PUNCT
fsr-3237	313	21	or	or	CCONJ
fsr-3237	313	22	retirement	retirement	NOUN
fsr-3237	313	23	planning	planning	NOUN
fsr-3237	313	24	would	would	AUX
fsr-3237	313	25	be	be	AUX
fsr-3237	313	26	another	another	DET
fsr-3237	313	27	productive	productive	ADJ
fsr-3237	313	28	avenue	avenue	NOUN
fsr-3237	313	29	for	for	ADP
fsr-3237	313	30	future	future	ADJ
fsr-3237	313	31	inquiry	inquiry	NOUN
fsr-3237	313	32	.	.	PUNCT
fsr-3237	314	1	it	it	PRON
fsr-3237	314	2	would	would	AUX
fsr-3237	314	3	also	also	ADV
fsr-3237	314	4	be	be	AUX
fsr-3237	314	5	interesting	interesting	ADJ
fsr-3237	314	6	to	to	PART
fsr-3237	314	7	extend	extend	VERB
fsr-3237	314	8	our	our	PRON
fsr-3237	314	9	model	model	NOUN
fsr-3237	314	10	by	by	ADP
fsr-3237	314	11	analyzing	analyze	VERB
fsr-3237	314	12	the	the	DET
fsr-3237	314	13	difference	difference	NOUN
fsr-3237	314	14	in	in	ADP
fsr-3237	314	15	financial	financial	ADJ
fsr-3237	314	16	knowledge	knowledge	NOUN
fsr-3237	314	17	between	between	ADP
fsr-3237	314	18	other	other	ADJ
fsr-3237	314	19	subgroups	subgroup	NOUN
fsr-3237	314	20	such	such	ADJ
fsr-3237	314	21	as	as	ADP
fsr-3237	314	22	male	male	ADJ
fsr-3237	314	23	versus	versus	ADP
fsr-3237	314	24	female	female	ADJ
fsr-3237	314	25	(	(	PUNCT
fsr-3237	314	26	alhenawi	alhenawi	NOUN
fsr-3237	314	27	and	and	CCONJ
fsr-3237	314	28	elkhal	elkhal	VERB
fsr-3237	314	29	2013	2013	NUM
fsr-3237	314	30	;	;	PUNCT
fsr-3237	314	31	chen	chen	PROPN
fsr-3237	314	32	and	and	CCONJ
fsr-3237	314	33	volpe	volpe	PROPN
fsr-3237	314	34	,	,	PUNCT
fsr-3237	314	35	1998	1998	NUM
fsr-3237	314	36	)	)	PUNCT
fsr-3237	314	37	.	.	PUNCT
fsr-3237	315	1	last	last	ADJ
fsr-3237	315	2	,	,	PUNCT
fsr-3237	315	3	as	as	SCONJ
fsr-3237	315	4	previous	previous	ADJ
fsr-3237	315	5	literature	literature	NOUN
fsr-3237	315	6	has	have	AUX
fsr-3237	315	7	argued	argue	VERB
fsr-3237	315	8	,	,	PUNCT
fsr-3237	315	9	there	there	PRON
fsr-3237	315	10	are	be	VERB
fsr-3237	315	11	many	many	ADJ
fsr-3237	315	12	unobservable	unobservable	ADJ
fsr-3237	315	13	factors	factor	NOUN
fsr-3237	315	14	that	that	PRON
fsr-3237	315	15	might	might	AUX
fsr-3237	315	16	influence	influence	VERB
fsr-3237	315	17	the	the	DET
fsr-3237	315	18	relationship	relationship	NOUN
fsr-3237	315	19	between	between	ADP
fsr-3237	315	20	our	our	PRON
fsr-3237	315	21	variables	variable	NOUN
fsr-3237	315	22	of	of	ADP
fsr-3237	315	23	interest	interest	NOUN
fsr-3237	315	24	.	.	PUNCT
fsr-3237	316	1	the	the	DET
fsr-3237	316	2	type	type	NOUN
fsr-3237	316	3	of	of	ADP
fsr-3237	316	4	regressions	regression	NOUN
fsr-3237	316	5	that	that	PRON
fsr-3237	316	6	are	be	AUX
fsr-3237	316	7	reported	report	VERB
fsr-3237	316	8	in	in	ADP
fsr-3237	316	9	the	the	DET
fsr-3237	316	10	text	text	NOUN
fsr-3237	316	11	,	,	PUNCT
fsr-3237	316	12	even	even	ADV
fsr-3237	316	13	though	though	SCONJ
fsr-3237	316	14	we	we	PRON
fsr-3237	316	15	make	make	VERB
fsr-3237	316	16	attempt	attempt	NOUN
fsr-3237	316	17	to	to	PART
fsr-3237	316	18	address	address	VERB
fsr-3237	316	19	reverse	reverse	ADJ
fsr-3237	316	20	causality	causality	NOUN
fsr-3237	316	21	,	,	PUNCT
fsr-3237	316	22	still	still	ADV
fsr-3237	316	23	suffer	suffer	VERB
fsr-3237	316	24	from	from	ADP
fsr-3237	316	25	omitted	omit	VERB
fsr-3237	316	26	variables	variable	NOUN
fsr-3237	316	27	bias	bias	NOUN
fsr-3237	316	28	.	.	PUNCT
fsr-3237	317	1	to	to	PART
fsr-3237	317	2	address	address	VERB
fsr-3237	317	3	this	this	DET
fsr-3237	317	4	issue	issue	NOUN
fsr-3237	317	5	,	,	PUNCT
fsr-3237	317	6	future	future	ADJ
fsr-3237	317	7	studies	study	NOUN
fsr-3237	317	8	should	should	AUX
fsr-3237	317	9	use	use	VERB
fsr-3237	317	10	an	an	DET
fsr-3237	317	11	experimental	experimental	ADJ
fsr-3237	317	12	approach	approach	NOUN
fsr-3237	317	13	,	,	PUNCT
fsr-3237	317	14	where	where	SCONJ
fsr-3237	317	15	respondents	respondent	NOUN
fsr-3237	317	16	are	be	AUX
fsr-3237	317	17	divided	divide	VERB
fsr-3237	317	18	into	into	ADP
fsr-3237	317	19	“	"	PUNCT
fsr-3237	317	20	control	control	NOUN
fsr-3237	317	21	”	"	PUNCT
fsr-3237	317	22	and	and	CCONJ
fsr-3237	317	23	“	"	PUNCT
fsr-3237	317	24	treatment	treatment	NOUN
fsr-3237	317	25	”	"	PUNCT
fsr-3237	317	26	groups	group	NOUN
fsr-3237	317	27	and	and	CCONJ
fsr-3237	317	28	exposed	expose	VERB
fsr-3237	317	29	to	to	ADP
fsr-3237	317	30	different	different	ADJ
fsr-3237	317	31	doses	dose	NOUN
fsr-3237	317	32	of	of	ADP
fsr-3237	317	33	financial	financial	ADJ
fsr-3237	317	34	education	education	NOUN
fsr-3237	317	35	and	and	CCONJ
fsr-3237	317	36	experiential	experiential	ADJ
fsr-3237	317	37	learning	learning	NOUN
fsr-3237	317	38	(	(	PUNCT
fsr-3237	317	39	see	see	VERB
fsr-3237	317	40	,	,	PUNCT
fsr-3237	317	41	e.g.	e.g.	ADV
fsr-3237	317	42	,	,	PUNCT
fsr-3237	317	43	wiedrich	wiedrich	PROPN
fsr-3237	317	44	et	et	PROPN
fsr-3237	317	45	al	al	PROPN
fsr-3237	317	46	.	.	PROPN
fsr-3237	317	47	,	,	PUNCT
fsr-3237	317	48	2014	2014	NUM
fsr-3237	317	49	)	)	PUNCT
fsr-3237	317	50	.	.	PUNCT
fsr-3237	318	1	references	reference	NOUN
fsr-3237	318	2	alhenawi	alhenawi	PROPN
fsr-3237	318	3	,	,	PUNCT
fsr-3237	318	4	y.	y.	PROPN
fsr-3237	318	5	,	,	PUNCT
fsr-3237	318	6	&	&	CCONJ
fsr-3237	318	7	elkhal	elkhal	PROPN
fsr-3237	318	8	,	,	PUNCT
fsr-3237	318	9	k.	k.	PROPN
fsr-3237	318	10	(	(	PUNCT
fsr-3237	318	11	2013	2013	NUM
fsr-3237	318	12	)	)	PUNCT
fsr-3237	318	13	.	.	PUNCT
fsr-3237	319	1	financial	financial	ADJ
fsr-3237	319	2	literacy	literacy	NOUN
fsr-3237	319	3	of	of	ADP
fsr-3237	319	4	u.s	u.s	PROPN
fsr-3237	319	5	.	.	PROPN
fsr-3237	319	6	households	household	NOUN
fsr-3237	319	7	:	:	PUNCT
fsr-3237	319	8	knowledge	knowledge	NOUN
fsr-3237	319	9	vs.	vs.	ADP
fsr-3237	319	10	long	long	ADJ
fsr-3237	319	11	-	-	PUNCT
fsr-3237	319	12	term	term	NOUN
fsr-3237	319	13	financial	financial	ADJ
fsr-3237	319	14	planning	planning	NOUN
fsr-3237	319	15	.	.	PUNCT
fsr-3237	320	1	financial	financial	ADJ
fsr-3237	320	2	services	service	NOUN
fsr-3237	320	3	review	review	PROPN
fsr-3237	320	4	,	,	PUNCT
fsr-3237	320	5	22	22	NUM
fsr-3237	320	6	,	,	PUNCT
fsr-3237	320	7	211–244	211–244	NUM
fsr-3237	320	8	.	.	PUNCT
fsr-3237	321	1	bernheim	bernheim	PROPN
fsr-3237	321	2	,	,	PUNCT
fsr-3237	321	3	b.	b.	PROPN
fsr-3237	321	4	d.	d.	PROPN
fsr-3237	321	5	,	,	PUNCT
fsr-3237	321	6	garrett	garrett	PROPN
fsr-3237	321	7	,	,	PUNCT
fsr-3237	321	8	d.	d.	PROPN
fsr-3237	321	9	m.	m.	PROPN
fsr-3237	321	10	,	,	PUNCT
fsr-3237	321	11	&	&	CCONJ
fsr-3237	321	12	maki	maki	PROPN
fsr-3237	321	13	,	,	PUNCT
fsr-3237	321	14	d.	d.	PROPN
fsr-3237	321	15	m.	m.	PROPN
fsr-3237	321	16	(	(	PUNCT
fsr-3237	321	17	2001	2001	NUM
fsr-3237	321	18	)	)	PUNCT
fsr-3237	321	19	.	.	PUNCT
fsr-3237	322	1	education	education	NOUN
fsr-3237	322	2	and	and	CCONJ
fsr-3237	322	3	saving	saving	NOUN
fsr-3237	322	4	:	:	PUNCT
fsr-3237	322	5	the	the	DET
fsr-3237	322	6	long	long	ADJ
fsr-3237	322	7	-	-	PUNCT
fsr-3237	322	8	term	term	NOUN
fsr-3237	322	9	effects	effect	NOUN
fsr-3237	322	10	of	of	ADP
fsr-3237	322	11	high	high	ADJ
fsr-3237	322	12	school	school	NOUN
fsr-3237	322	13	financial	financial	ADJ
fsr-3237	322	14	curriculum	curriculum	NOUN
fsr-3237	322	15	mandates	mandate	NOUN
fsr-3237	322	16	.	.	PUNCT
fsr-3237	323	1	journal	journal	NOUN
fsr-3237	323	2	of	of	ADP
fsr-3237	323	3	public	public	ADJ
fsr-3237	323	4	economics	economic	NOUN
fsr-3237	323	5	,	,	PUNCT
fsr-3237	323	6	80	80	NUM
fsr-3237	323	7	,	,	PUNCT
fsr-3237	323	8	435–465	435–465	NUM
fsr-3237	323	9	.	.	PUNCT
fsr-3237	324	1	bowen	bowen	PROPN
fsr-3237	324	2	,	,	PUNCT
fsr-3237	324	3	c.	c.	PROPN
fsr-3237	324	4	f.	f.	PROPN
fsr-3237	324	5	(	(	PUNCT
fsr-3237	324	6	2002	2002	NUM
fsr-3237	324	7	)	)	PUNCT
fsr-3237	324	8	.	.	PUNCT
fsr-3237	325	1	financial	financial	ADJ
fsr-3237	325	2	knowledge	knowledge	NOUN
fsr-3237	325	3	of	of	ADP
fsr-3237	325	4	teens	teen	NOUN
fsr-3237	325	5	and	and	CCONJ
fsr-3237	325	6	their	their	PRON
fsr-3237	325	7	parents	parent	NOUN
fsr-3237	325	8	.	.	PUNCT
fsr-3237	326	1	financial	financial	ADJ
fsr-3237	326	2	counseling	counseling	NOUN
fsr-3237	326	3	and	and	CCONJ
fsr-3237	326	4	planning	planning	NOUN
fsr-3237	326	5	,	,	PUNCT
fsr-3237	326	6	13	13	NUM
fsr-3237	326	7	,	,	PUNCT
fsr-3237	326	8	93–101	93–101	PROPN
fsr-3237	326	9	.	.	PUNCT
fsr-3237	327	1	chen	chen	PROPN
fsr-3237	327	2	,	,	PUNCT
fsr-3237	327	3	h.	h.	PROPN
fsr-3237	327	4	,	,	PUNCT
fsr-3237	327	5	&	&	CCONJ
fsr-3237	327	6	volpe	volpe	PROPN
fsr-3237	327	7	,	,	PUNCT
fsr-3237	327	8	r.	r.	PROPN
fsr-3237	327	9	p.	p.	PROPN
fsr-3237	327	10	(	(	PUNCT
fsr-3237	327	11	1998	1998	NUM
fsr-3237	327	12	)	)	PUNCT
fsr-3237	327	13	.	.	PUNCT
fsr-3237	328	1	an	an	DET
fsr-3237	328	2	analysis	analysis	NOUN
fsr-3237	328	3	of	of	ADP
fsr-3237	328	4	personal	personal	ADJ
fsr-3237	328	5	financial	financial	ADJ
fsr-3237	328	6	literacy	literacy	NOUN
fsr-3237	328	7	among	among	ADP
fsr-3237	328	8	college	college	NOUN
fsr-3237	328	9	students	student	NOUN
fsr-3237	328	10	.	.	PUNCT
fsr-3237	329	1	financial	financial	ADJ
fsr-3237	329	2	services	service	NOUN
fsr-3237	329	3	review	review	PROPN
fsr-3237	329	4	,	,	PUNCT
fsr-3237	329	5	7	7	NUM
fsr-3237	329	6	,	,	PUNCT
fsr-3237	329	7	107–128	107–128	NUM
fsr-3237	329	8	.	.	PUNCT
fsr-3237	330	1	chen	chen	PROPN
fsr-3237	330	2	,	,	PUNCT
fsr-3237	330	3	h.	h.	PROPN
fsr-3237	330	4	,	,	PUNCT
fsr-3237	330	5	&	&	CCONJ
fsr-3237	330	6	volpe	volpe	PROPN
fsr-3237	330	7	,	,	PUNCT
fsr-3237	330	8	r.	r.	PROPN
fsr-3237	330	9	p.	p.	PROPN
fsr-3237	330	10	(	(	PUNCT
fsr-3237	330	11	2002	2002	NUM
fsr-3237	330	12	)	)	PUNCT
fsr-3237	330	13	.	.	PUNCT
fsr-3237	331	1	gender	gender	NOUN
fsr-3237	331	2	differences	difference	NOUN
fsr-3237	331	3	in	in	ADP
fsr-3237	331	4	personal	personal	ADJ
fsr-3237	331	5	financial	financial	ADJ
fsr-3237	331	6	literacy	literacy	NOUN
fsr-3237	331	7	among	among	ADP
fsr-3237	331	8	college	college	NOUN
fsr-3237	331	9	students	student	NOUN
fsr-3237	331	10	.	.	PUNCT
fsr-3237	332	1	financial	financial	ADJ
fsr-3237	332	2	services	service	NOUN
fsr-3237	332	3	review	review	PROPN
fsr-3237	332	4	,	,	PUNCT
fsr-3237	332	5	11	11	NUM
fsr-3237	332	6	,	,	PUNCT
fsr-3237	332	7	289–307	289–307	NUM
fsr-3237	332	8	.	.	PUNCT
fsr-3237	333	1	135n	135n	PROPN
fsr-3237	333	2	.	.	PUNCT
fsr-3237	334	1	tang	tang	PROPN
fsr-3237	334	2	,	,	PUNCT
fsr-3237	334	3	p.c	p.c	PROPN
fsr-3237	334	4	.	.	PROPN
fsr-3237	334	5	peter	peter	PROPN
fsr-3237	334	6	/	/	SYM
fsr-3237	334	7	financial	financial	ADJ
fsr-3237	334	8	services	service	NOUN
fsr-3237	334	9	review	review	VERB
fsr-3237	334	10	24	24	NUM
fsr-3237	334	11	(	(	PUNCT
fsr-3237	334	12	2015	2015	NUM
fsr-3237	334	13	)	)	PUNCT
fsr-3237	334	14	119–137	119–137	NUM
fsr-3237	334	15	collins	collin	NOUN
fsr-3237	334	16	,	,	PUNCT
fsr-3237	334	17	j.	j.	PROPN
fsr-3237	334	18	m.	m.	PROPN
fsr-3237	334	19	,	,	PUNCT
fsr-3237	334	20	&	&	CCONJ
fsr-3237	334	21	o’rourke	o’rourke	PROPN
fsr-3237	334	22	,	,	PUNCT
fsr-3237	334	23	c.	c.	PROPN
fsr-3237	334	24	m.	m.	NOUN
fsr-3237	334	25	(	(	PUNCT
fsr-3237	334	26	2010	2010	NUM
fsr-3237	334	27	)	)	PUNCT
fsr-3237	334	28	.	.	PUNCT
fsr-3237	335	1	financial	financial	ADJ
fsr-3237	335	2	education	education	NOUN
fsr-3237	335	3	and	and	CCONJ
fsr-3237	335	4	counseling	counseling	NOUN
fsr-3237	335	5	-	-	PUNCT
fsr-3237	335	6	still	still	ADV
fsr-3237	335	7	holding	hold	VERB
fsr-3237	335	8	promise	promise	NOUN
fsr-3237	335	9	.	.	PUNCT
fsr-3237	336	1	journal	journal	NOUN
fsr-3237	336	2	of	of	ADP
fsr-3237	336	3	consumer	consumer	NOUN
fsr-3237	336	4	affairs	affair	NOUN
fsr-3237	336	5	,	,	PUNCT
fsr-3237	336	6	44	44	NUM
fsr-3237	336	7	,	,	PUNCT
fsr-3237	336	8	483–498	483–498	NUM
fsr-3237	336	9	.	.	PUNCT
fsr-3237	337	1	community	community	NOUN
fsr-3237	337	2	banker	banker	NOUN
fsr-3237	337	3	.	.	PUNCT
fsr-3237	338	1	(	(	PUNCT
fsr-3237	338	2	2003	2003	NUM
fsr-3237	338	3	)	)	PUNCT
fsr-3237	338	4	.	.	PUNCT
fsr-3237	339	1	banks	bank	NOUN
fsr-3237	339	2	stepping	step	VERB
fsr-3237	339	3	up	up	ADP
fsr-3237	339	4	financial	financial	ADJ
fsr-3237	339	5	literacy	literacy	NOUN
fsr-3237	339	6	efforts	effort	NOUN
fsr-3237	339	7	.	.	PUNCT
fsr-3237	340	1	community	community	NOUN
fsr-3237	340	2	banker	banker	NOUN
fsr-3237	340	3	,	,	PUNCT
fsr-3237	340	4	12	12	NUM
fsr-3237	340	5	,	,	PUNCT
fsr-3237	340	6	71–72	71–72	NUM
fsr-3237	340	7	.	.	PUNCT
fsr-3237	341	1	consumer	consumer	NOUN
fsr-3237	341	2	bankers	bankers	PROPN
fsr-3237	341	3	association	association	PROPN
fsr-3237	341	4	.	.	PUNCT
fsr-3237	342	1	(	(	PUNCT
fsr-3237	342	2	2002	2002	NUM
fsr-3237	342	3	)	)	PUNCT
fsr-3237	342	4	.	.	PUNCT
fsr-3237	343	1	cba	cba	PROPN
fsr-3237	343	2	2002	2002	NUM
fsr-3237	343	3	survey	survey	NOUN
fsr-3237	343	4	of	of	ADP
fsr-3237	343	5	bank	bank	NOUN
fsr-3237	343	6	-	-	PUNCT
fsr-3237	343	7	sponsored	sponsor	VERB
fsr-3237	343	8	financial	financial	ADJ
fsr-3237	343	9	literacy	literacy	NOUN
fsr-3237	343	10	programs	program	NOUN
fsr-3237	343	11	.	.	PUNCT
fsr-3237	344	1	cba	cba	PROPN
fsr-3237	344	2	survey	survey	NOUN
fsr-3237	344	3	,	,	PUNCT
fsr-3237	344	4	april	april	PROPN
fsr-3237	344	5	2002	2002	NUM
fsr-3237	344	6	.	.	PUNCT
fsr-3237	345	1	(	(	PUNCT
fsr-3237	345	2	available	available	ADJ
fsr-3237	345	3	at	at	ADP
fsr-3237	345	4	https://www.faircredit.org/files/57.pdf	https://www.faircredit.org/files/57.pdf	PROPN
fsr-3237	345	5	)	)	PUNCT
fsr-3237	345	6	.	.	PUNCT
fsr-3237	346	1	council	council	PROPN
fsr-3237	346	2	for	for	ADP
fsr-3237	346	3	economic	economic	ADJ
fsr-3237	346	4	education	education	NOUN
fsr-3237	346	5	.	.	PUNCT
fsr-3237	347	1	(	(	PUNCT
fsr-3237	347	2	2009	2009	NUM
fsr-3237	347	3	)	)	PUNCT
fsr-3237	347	4	.	.	PUNCT
fsr-3237	348	1	survey	survey	NOUN
fsr-3237	348	2	of	of	ADP
fsr-3237	348	3	the	the	DET
fsr-3237	348	4	states	state	NOUN
fsr-3237	348	5	–	–	PUNCT
fsr-3237	348	6	economic	economic	ADJ
fsr-3237	348	7	,	,	PUNCT
fsr-3237	348	8	personal	personal	ADJ
fsr-3237	348	9	finance	finance	NOUN
fsr-3237	348	10	&	&	CCONJ
fsr-3237	348	11	entrepreneurship	entrepreneurship	NOUN
fsr-3237	348	12	education	education	NOUN
fsr-3237	348	13	in	in	ADP
fsr-3237	348	14	our	our	PRON
fsr-3237	348	15	nation	nation	NOUN
fsr-3237	348	16	’s	’s	PART
fsr-3237	348	17	schools	school	NOUN
fsr-3237	348	18	in	in	ADP
fsr-3237	348	19	2009	2009	NUM
fsr-3237	348	20	.	.	PUNCT
fsr-3237	349	1	(	(	PUNCT
fsr-3237	349	2	available	available	ADJ
fsr-3237	349	3	at	at	ADP
fsr-3237	349	4	http://www.councilforeconed.org/wp/wp-content/	http://www.councilforeconed.org/wp/wp-content/	PROPN
fsr-3237	349	5	uploads/2011/11/2009	uploads/2011/11/2009	NOUN
fsr-3237	349	6	-	-	NOUN
fsr-3237	349	7	survey	survey	NOUN
fsr-3237	349	8	-	-	PUNCT
fsr-3237	349	9	of	of	ADP
fsr-3237	349	10	-	-	PUNCT
fsr-3237	349	11	the	the	DET
fsr-3237	349	12	-	-	PUNCT
fsr-3237	349	13	states.pdf	states.pdf	NOUN
fsr-3237	349	14	)	)	PUNCT
fsr-3237	349	15	.	.	PUNCT
fsr-3237	350	1	council	council	PROPN
fsr-3237	350	2	for	for	ADP
fsr-3237	350	3	economic	economic	ADJ
fsr-3237	350	4	education	education	NOUN
fsr-3237	350	5	.	.	PUNCT
fsr-3237	351	1	(	(	PUNCT
fsr-3237	351	2	2014	2014	NUM
fsr-3237	351	3	)	)	PUNCT
fsr-3237	351	4	.	.	PUNCT
fsr-3237	352	1	survey	survey	NOUN
fsr-3237	352	2	of	of	ADP
fsr-3237	352	3	the	the	DET
fsr-3237	352	4	states	state	NOUN
fsr-3237	352	5	–	–	PUNCT
fsr-3237	352	6	economic	economic	ADJ
fsr-3237	352	7	and	and	CCONJ
fsr-3237	352	8	personal	personal	ADJ
fsr-3237	352	9	finance	finance	NOUN
fsr-3237	352	10	education	education	NOUN
fsr-3237	352	11	in	in	ADP
fsr-3237	352	12	our	our	PRON
fsr-3237	352	13	nation	nation	NOUN
fsr-3237	352	14	’s	’s	PART
fsr-3237	352	15	schools	school	NOUN
fsr-3237	352	16	2014	2014	NUM
fsr-3237	352	17	.	.	PUNCT
fsr-3237	353	1	(	(	PUNCT
fsr-3237	353	2	available	available	ADJ
fsr-3237	353	3	at	at	ADP
fsr-3237	353	4	http://www.councilforeconed.org/wp/wp-content/uploads/2014/02/	http://www.councilforeconed.org/wp/wp-content/uploads/2014/02/	PROPN
fsr-3237	353	5	2014-survey-of-the-states.pdf	2014-survey-of-the-states.pdf	NUM
fsr-3237	353	6	)	)	PUNCT
fsr-3237	353	7	.	.	PUNCT
fsr-3237	354	1	coxe	coxe	PROPN
fsr-3237	354	2	,	,	PUNCT
fsr-3237	354	3	s.	s.	PROPN
fsr-3237	354	4	,	,	PUNCT
fsr-3237	354	5	west	west	PROPN
fsr-3237	354	6	,	,	PUNCT
fsr-3237	354	7	s.	s.	PROPN
fsr-3237	354	8	g.	g.	PROPN
fsr-3237	354	9	,	,	PUNCT
fsr-3237	354	10	&	&	CCONJ
fsr-3237	354	11	aiken	aiken	PROPN
fsr-3237	354	12	,	,	PUNCT
fsr-3237	354	13	l.	l.	PROPN
fsr-3237	354	14	s.	s.	PROPN
fsr-3237	354	15	(	(	PUNCT
fsr-3237	354	16	2009	2009	NUM
fsr-3237	354	17	)	)	PUNCT
fsr-3237	354	18	.	.	PUNCT
fsr-3237	355	1	the	the	DET
fsr-3237	355	2	analysis	analysis	NOUN
fsr-3237	355	3	of	of	ADP
fsr-3237	355	4	count	count	NOUN
fsr-3237	355	5	data	datum	NOUN
fsr-3237	355	6	:	:	PUNCT
fsr-3237	355	7	a	a	DET
fsr-3237	355	8	gentle	gentle	ADJ
fsr-3237	355	9	introduction	introduction	NOUN
fsr-3237	355	10	to	to	ADP
fsr-3237	355	11	poisson	poisson	PROPN
fsr-3237	355	12	regression	regression	NOUN
fsr-3237	355	13	and	and	CCONJ
fsr-3237	355	14	its	its	PRON
fsr-3237	355	15	alternatives	alternative	NOUN
fsr-3237	355	16	.	.	PUNCT
fsr-3237	356	1	journal	journal	NOUN
fsr-3237	356	2	of	of	ADP
fsr-3237	356	3	personality	personality	NOUN
fsr-3237	356	4	assessment	assessment	NOUN
fsr-3237	356	5	,	,	PUNCT
fsr-3237	356	6	91	91	NUM
fsr-3237	356	7	,	,	PUNCT
fsr-3237	356	8	121–136	121–136	NUM
fsr-3237	356	9	.	.	PUNCT
fsr-3237	357	1	danes	dane	NOUN
fsr-3237	357	2	,	,	PUNCT
fsr-3237	357	3	s.	s.	PROPN
fsr-3237	357	4	m.	m.	PROPN
fsr-3237	357	5	,	,	PUNCT
fsr-3237	357	6	huddleston	huddleston	PROPN
fsr-3237	357	7	-	-	PUNCT
fsr-3237	357	8	casas	casas	PROPN
fsr-3237	357	9	,	,	PUNCT
fsr-3237	357	10	c.	c.	PROPN
fsr-3237	357	11	,	,	PUNCT
fsr-3237	357	12	&	&	CCONJ
fsr-3237	357	13	boyce	boyce	PROPN
fsr-3237	357	14	,	,	PUNCT
fsr-3237	357	15	l.	l.	PROPN
fsr-3237	357	16	(	(	PUNCT
fsr-3237	357	17	1999	1999	NUM
fsr-3237	357	18	)	)	PUNCT
fsr-3237	357	19	.	.	PUNCT
fsr-3237	358	1	financial	financial	ADJ
fsr-3237	358	2	planning	planning	NOUN
fsr-3237	358	3	curriculum	curriculum	NOUN
fsr-3237	358	4	for	for	ADP
fsr-3237	358	5	teens	teen	NOUN
fsr-3237	358	6	:	:	PUNCT
fsr-3237	358	7	impact	impact	NOUN
fsr-3237	358	8	evaluation	evaluation	NOUN
fsr-3237	358	9	.	.	PUNCT
fsr-3237	359	1	financial	financial	ADJ
fsr-3237	359	2	counseling	counseling	NOUN
fsr-3237	359	3	and	and	CCONJ
fsr-3237	359	4	planning	planning	NOUN
fsr-3237	359	5	,	,	PUNCT
fsr-3237	359	6	10	10	NUM
fsr-3237	359	7	,	,	PUNCT
fsr-3237	359	8	26–39	26–39	NUM
fsr-3237	359	9	.	.	PUNCT
fsr-3237	360	1	employee	employee	NOUN
fsr-3237	360	2	benefit	benefit	PROPN
fsr-3237	360	3	research	research	PROPN
fsr-3237	360	4	institute	institute	PROPN
fsr-3237	360	5	.	.	PUNCT
fsr-3237	361	1	(	(	PUNCT
fsr-3237	361	2	2001	2001	NUM
fsr-3237	361	3	)	)	PUNCT
fsr-3237	361	4	.	.	PUNCT
fsr-3237	362	1	parents	parent	NOUN
fsr-3237	362	2	,	,	PUNCT
fsr-3237	362	3	youth	youth	NOUN
fsr-3237	362	4	&	&	CCONJ
fsr-3237	362	5	money	money	NOUN
fsr-3237	362	6	2001	2001	NUM
fsr-3237	362	7	.	.	PUNCT
fsr-3237	363	1	(	(	PUNCT
fsr-3237	363	2	available	available	ADJ
fsr-3237	363	3	at	at	ADP
fsr-3237	363	4	http://www.ebri.org/	http://www.ebri.org/	ADJ
fsr-3237	363	5	surveys	survey	NOUN
fsr-3237	363	6	/	/	SYM
fsr-3237	363	7	pym	pym	NOUN
fsr-3237	363	8	-	-	PUNCT
fsr-3237	363	9	es.pdf	es.pdf	PROPN
fsr-3237	363	10	)	)	PUNCT
fsr-3237	363	11	.	.	PUNCT
fsr-3237	364	1	hilgert	hilgert	PROPN
fsr-3237	364	2	,	,	PUNCT
fsr-3237	364	3	m.	m.	NOUN
fsr-3237	364	4	a.	a.	PROPN
fsr-3237	364	5	,	,	PUNCT
fsr-3237	364	6	hogarth	hogarth	NOUN
fsr-3237	364	7	,	,	PUNCT
fsr-3237	364	8	j.	j.	PROPN
fsr-3237	364	9	m.	m.	PROPN
fsr-3237	364	10	,	,	PUNCT
fsr-3237	364	11	&	&	CCONJ
fsr-3237	364	12	beverly	beverly	PROPN
fsr-3237	364	13	,	,	PUNCT
fsr-3237	364	14	s.	s.	PROPN
fsr-3237	364	15	g.	g.	PROPN
fsr-3237	364	16	(	(	PUNCT
fsr-3237	364	17	2003	2003	NUM
fsr-3237	364	18	)	)	PUNCT
fsr-3237	364	19	.	.	PUNCT
fsr-3237	365	1	household	household	NOUN
fsr-3237	365	2	financial	financial	ADJ
fsr-3237	365	3	management	management	NOUN
fsr-3237	365	4	:	:	PUNCT
fsr-3237	365	5	the	the	DET
fsr-3237	365	6	connection	connection	NOUN
fsr-3237	365	7	between	between	ADP
fsr-3237	365	8	knowledge	knowledge	NOUN
fsr-3237	365	9	and	and	CCONJ
fsr-3237	365	10	behavior	behavior	NOUN
fsr-3237	365	11	.	.	PUNCT
fsr-3237	366	1	federal	federal	PROPN
fsr-3237	366	2	reserve	reserve	PROPN
fsr-3237	366	3	bulletin	bulletin	PROPN
fsr-3237	366	4	,	,	PUNCT
fsr-3237	366	5	2003	2003	NUM
fsr-3237	366	6	,	,	PUNCT
fsr-3237	366	7	309–322	309–322	NUM
fsr-3237	366	8	.	.	PUNCT
fsr-3237	367	1	huston	huston	PROPN
fsr-3237	367	2	,	,	PUNCT
fsr-3237	367	3	s.	s.	PROPN
fsr-3237	367	4	j.	j.	PROPN
fsr-3237	367	5	(	(	PUNCT
fsr-3237	367	6	2010	2010	NUM
fsr-3237	367	7	)	)	PUNCT
fsr-3237	367	8	.	.	PUNCT
fsr-3237	368	1	measuring	measure	VERB
fsr-3237	368	2	financial	financial	ADJ
fsr-3237	368	3	literacy	literacy	NOUN
fsr-3237	368	4	.	.	PUNCT
fsr-3237	369	1	journal	journal	NOUN
fsr-3237	369	2	of	of	ADP
fsr-3237	369	3	consumer	consumer	NOUN
fsr-3237	369	4	affairs	affair	NOUN
fsr-3237	369	5	,	,	PUNCT
fsr-3237	369	6	44	44	NUM
fsr-3237	369	7	,	,	PUNCT
fsr-3237	369	8	296–316	296–316	NUM
fsr-3237	369	9	.	.	PUNCT
fsr-3237	370	1	jacobs	jacobs	PROPN
fsr-3237	370	2	-	-	PUNCT
fsr-3237	370	3	lawson	lawson	PROPN
fsr-3237	370	4	,	,	PUNCT
fsr-3237	370	5	j.	j.	PROPN
fsr-3237	370	6	m.	m.	PROPN
fsr-3237	370	7	,	,	PUNCT
fsr-3237	370	8	&	&	CCONJ
fsr-3237	370	9	hershey	hershey	PROPN
fsr-3237	370	10	,	,	PUNCT
fsr-3237	370	11	d.	d.	PROPN
fsr-3237	370	12	a.	a.	PROPN
fsr-3237	370	13	(	(	PUNCT
fsr-3237	370	14	2005	2005	NUM
fsr-3237	370	15	)	)	PUNCT
fsr-3237	370	16	.	.	PUNCT
fsr-3237	371	1	influence	influence	NOUN
fsr-3237	371	2	of	of	ADP
fsr-3237	371	3	future	future	ADJ
fsr-3237	371	4	time	time	NOUN
fsr-3237	371	5	perspective	perspective	NOUN
fsr-3237	371	6	,	,	PUNCT
fsr-3237	371	7	financial	financial	ADJ
fsr-3237	371	8	knowledge	knowledge	NOUN
fsr-3237	371	9	,	,	PUNCT
fsr-3237	371	10	and	and	CCONJ
fsr-3237	371	11	financial	financial	ADJ
fsr-3237	371	12	risk	risk	NOUN
fsr-3237	371	13	tolerance	tolerance	NOUN
fsr-3237	371	14	on	on	ADP
fsr-3237	371	15	retirement	retirement	NOUN
fsr-3237	371	16	saving	saving	NOUN
fsr-3237	371	17	behaviors	behavior	NOUN
fsr-3237	371	18	.	.	PUNCT
fsr-3237	372	1	financial	financial	ADJ
fsr-3237	372	2	services	service	NOUN
fsr-3237	372	3	review	review	PROPN
fsr-3237	372	4	,	,	PUNCT
fsr-3237	372	5	14	14	NUM
fsr-3237	372	6	,	,	PUNCT
fsr-3237	372	7	331–344	331–344	NUM
fsr-3237	372	8	.	.	PUNCT
fsr-3237	373	1	johnson	johnson	PROPN
fsr-3237	373	2	,	,	PUNCT
fsr-3237	373	3	e.	e.	PROPN
fsr-3237	373	4	,	,	PUNCT
fsr-3237	373	5	&	&	CCONJ
fsr-3237	373	6	sherraden	sherraden	NOUN
fsr-3237	373	7	,	,	PUNCT
fsr-3237	373	8	m.	m.	NOUN
fsr-3237	373	9	(	(	PUNCT
fsr-3237	373	10	2007	2007	NUM
fsr-3237	373	11	)	)	PUNCT
fsr-3237	373	12	.	.	PUNCT
fsr-3237	374	1	from	from	ADP
fsr-3237	374	2	financial	financial	ADJ
fsr-3237	374	3	literacy	literacy	NOUN
fsr-3237	374	4	to	to	ADP
fsr-3237	374	5	financial	financial	ADJ
fsr-3237	374	6	capability	capability	NOUN
fsr-3237	374	7	among	among	ADP
fsr-3237	374	8	youth	youth	NOUN
fsr-3237	374	9	.	.	PUNCT
fsr-3237	375	1	journal	journal	PROPN
fsr-3237	375	2	of	of	ADP
fsr-3237	375	3	sociology	sociology	NOUN
fsr-3237	375	4	and	and	CCONJ
fsr-3237	375	5	social	social	ADJ
fsr-3237	375	6	welfare	welfare	NOUN
fsr-3237	375	7	,	,	PUNCT
fsr-3237	375	8	34	34	NUM
fsr-3237	375	9	,	,	PUNCT
fsr-3237	375	10	119–146	119–146	NUM
fsr-3237	375	11	.	.	PUNCT
fsr-3237	376	1	kolb	kolb	PROPN
fsr-3237	376	2	,	,	PUNCT
fsr-3237	376	3	d.	d.	PROPN
fsr-3237	376	4	a.	a.	PROPN
fsr-3237	376	5	(	(	PUNCT
fsr-3237	376	6	1984	1984	NUM
fsr-3237	376	7	)	)	PUNCT
fsr-3237	376	8	.	.	PUNCT
fsr-3237	377	1	experiential	experiential	ADJ
fsr-3237	377	2	learning	learning	NOUN
fsr-3237	377	3	:	:	PUNCT
fsr-3237	377	4	experience	experience	NOUN
fsr-3237	377	5	as	as	ADP
fsr-3237	377	6	the	the	DET
fsr-3237	377	7	source	source	NOUN
fsr-3237	377	8	of	of	ADP
fsr-3237	377	9	learning	learning	NOUN
fsr-3237	377	10	and	and	CCONJ
fsr-3237	377	11	development	development	NOUN
fsr-3237	377	12	.	.	PUNCT
fsr-3237	378	1	englewood	englewood	PROPN
fsr-3237	378	2	cliffs	cliffs	PROPN
fsr-3237	378	3	,	,	PUNCT
fsr-3237	378	4	nj	nj	PROPN
fsr-3237	378	5	:	:	PUNCT
fsr-3237	378	6	prentice	prentice	NOUN
fsr-3237	378	7	-	-	PUNCT
fsr-3237	378	8	hall	hall	PROPN
fsr-3237	378	9	,	,	PUNCT
fsr-3237	378	10	inc	inc	PROPN
fsr-3237	378	11	.	.	PROPN
fsr-3237	378	12	kolb	kolb	PROPN
fsr-3237	378	13	,	,	PUNCT
fsr-3237	378	14	d.	d.	PROPN
fsr-3237	378	15	a.	a.	PROPN
fsr-3237	378	16	,	,	PUNCT
fsr-3237	378	17	boyatzis	boyatzis	PROPN
fsr-3237	378	18	,	,	PUNCT
fsr-3237	378	19	r.	r.	PROPN
fsr-3237	378	20	e.	e.	PROPN
fsr-3237	378	21	,	,	PUNCT
fsr-3237	378	22	&	&	CCONJ
fsr-3237	378	23	mainemelis	mainemelis	PROPN
fsr-3237	378	24	,	,	PUNCT
fsr-3237	378	25	c.	c.	PROPN
fsr-3237	378	26	(	(	PUNCT
fsr-3237	378	27	1999	1999	NUM
fsr-3237	378	28	)	)	PUNCT
fsr-3237	378	29	.	.	PUNCT
fsr-3237	379	1	experiential	experiential	ADJ
fsr-3237	379	2	learning	learning	NOUN
fsr-3237	379	3	theory	theory	NOUN
fsr-3237	379	4	:	:	PUNCT
fsr-3237	379	5	previous	previous	ADJ
fsr-3237	379	6	research	research	NOUN
fsr-3237	379	7	and	and	CCONJ
fsr-3237	379	8	new	new	ADJ
fsr-3237	379	9	directions	direction	NOUN
fsr-3237	379	10	.	.	PUNCT
fsr-3237	380	1	http://www.d.umn.edu/�kgilbert/educ5165-731/readings/experiential-learningtheory.pdf	http://www.d.umn.edu/�kgilbert/educ5165-731/readings/experiential-learningtheory.pdf	NOUN
fsr-3237	380	2	.	.	PUNCT
fsr-3237	381	1	lusardi	lusardi	PROPN
fsr-3237	381	2	,	,	PUNCT
fsr-3237	381	3	a.	a.	PROPN
fsr-3237	381	4	,	,	PUNCT
fsr-3237	381	5	&	&	CCONJ
fsr-3237	381	6	mitchell	mitchell	PROPN
fsr-3237	381	7	,	,	PUNCT
fsr-3237	381	8	o.	o.	PROPN
fsr-3237	381	9	s.	s.	PROPN
fsr-3237	381	10	(	(	PUNCT
fsr-3237	381	11	2008	2008	NUM
fsr-3237	381	12	)	)	PUNCT
fsr-3237	381	13	.	.	PUNCT
fsr-3237	382	1	planning	planning	NOUN
fsr-3237	382	2	and	and	CCONJ
fsr-3237	382	3	financial	financial	ADJ
fsr-3237	382	4	literacy	literacy	NOUN
fsr-3237	382	5	:	:	PUNCT
fsr-3237	382	6	how	how	SCONJ
fsr-3237	382	7	do	do	AUX
fsr-3237	382	8	women	woman	NOUN
fsr-3237	382	9	fare	fare	VERB
fsr-3237	382	10	?	?	PUNCT
fsr-3237	383	1	american	american	PROPN
fsr-3237	383	2	economic	economic	PROPN
fsr-3237	383	3	review	review	PROPN
fsr-3237	383	4	:	:	PUNCT
fsr-3237	383	5	papers	paper	NOUN
fsr-3237	383	6	and	and	CCONJ
fsr-3237	383	7	proceedings	proceeding	NOUN
fsr-3237	383	8	,	,	PUNCT
fsr-3237	383	9	98	98	NUM
fsr-3237	383	10	,	,	PUNCT
fsr-3237	383	11	413–417	413–417	NUM
fsr-3237	383	12	.	.	PUNCT
fsr-3237	384	1	lusardi	lusardi	PROPN
fsr-3237	384	2	,	,	PUNCT
fsr-3237	384	3	a.	a.	PROPN
fsr-3237	384	4	,	,	PUNCT
fsr-3237	384	5	&	&	CCONJ
fsr-3237	384	6	mitchell	mitchell	PROPN
fsr-3237	384	7	,	,	PUNCT
fsr-3237	384	8	o.	o.	PROPN
fsr-3237	384	9	s.	s.	PROPN
fsr-3237	384	10	(	(	PUNCT
fsr-3237	384	11	2011	2011	NUM
fsr-3237	384	12	)	)	PUNCT
fsr-3237	384	13	.	.	PUNCT
fsr-3237	385	1	financial	financial	ADJ
fsr-3237	385	2	literacy	literacy	NOUN
fsr-3237	385	3	and	and	CCONJ
fsr-3237	385	4	planning	planning	NOUN
fsr-3237	385	5	:	:	PUNCT
fsr-3237	385	6	implications	implication	NOUN
fsr-3237	385	7	for	for	ADP
fsr-3237	385	8	retirement	retirement	NOUN
fsr-3237	385	9	wellbeing	wellbee	VERB
fsr-3237	385	10	.	.	PUNCT
fsr-3237	386	1	in	in	ADP
fsr-3237	386	2	o.	o.	PROPN
fsr-3237	386	3	s.	s.	PROPN
fsr-3237	386	4	mitchell	mitchell	PROPN
fsr-3237	386	5	&	&	CCONJ
fsr-3237	386	6	a.	a.	PROPN
fsr-3237	386	7	lusardi	lusardi	PROPN
fsr-3237	386	8	(	(	PUNCT
fsr-3237	386	9	eds	ed	NOUN
fsr-3237	386	10	.	.	PUNCT
fsr-3237	386	11	)	)	PUNCT
fsr-3237	386	12	,	,	PUNCT
fsr-3237	386	13	financial	financial	ADJ
fsr-3237	386	14	literacy	literacy	NOUN
fsr-3237	386	15	:	:	PUNCT
fsr-3237	386	16	implications	implication	NOUN
fsr-3237	386	17	for	for	ADP
fsr-3237	386	18	retirement	retirement	NOUN
fsr-3237	386	19	security	security	NOUN
fsr-3237	386	20	and	and	CCONJ
fsr-3237	386	21	the	the	DET
fsr-3237	386	22	financial	financial	ADJ
fsr-3237	386	23	marketplace	marketplace	NOUN
fsr-3237	386	24	(	(	PUNCT
fsr-3237	386	25	pp	pp	ADJ
fsr-3237	386	26	.	.	PUNCT
fsr-3237	386	27	17–39	17–39	NUM
fsr-3237	386	28	)	)	PUNCT
fsr-3237	386	29	.	.	PUNCT
fsr-3237	387	1	oxford	oxford	NOUN
fsr-3237	387	2	:	:	PUNCT
fsr-3237	387	3	oxford	oxford	PROPN
fsr-3237	387	4	university	university	PROPN
fsr-3237	387	5	press	press	NOUN
fsr-3237	387	6	.	.	PUNCT
fsr-3237	388	1	lusardi	lusardi	PROPN
fsr-3237	388	2	,	,	PUNCT
fsr-3237	388	3	a.	a.	PROPN
fsr-3237	388	4	,	,	PUNCT
fsr-3237	388	5	mitchell	mitchell	PROPN
fsr-3237	388	6	,	,	PUNCT
fsr-3237	388	7	o.	o.	PROPN
fsr-3237	388	8	s.	s.	PROPN
fsr-3237	388	9	,	,	PUNCT
fsr-3237	388	10	&	&	CCONJ
fsr-3237	388	11	curto	curto	PROPN
fsr-3237	388	12	,	,	PUNCT
fsr-3237	388	13	v.	v.	PROPN
fsr-3237	388	14	(	(	PUNCT
fsr-3237	388	15	2010	2010	NUM
fsr-3237	388	16	)	)	PUNCT
fsr-3237	388	17	.	.	PUNCT
fsr-3237	389	1	financial	financial	ADJ
fsr-3237	389	2	literacy	literacy	NOUN
fsr-3237	389	3	among	among	ADP
fsr-3237	389	4	the	the	DET
fsr-3237	389	5	young	young	ADJ
fsr-3237	389	6	.	.	PUNCT
fsr-3237	390	1	journal	journal	PROPN
fsr-3237	390	2	of	of	ADP
fsr-3237	390	3	consumer	consumer	NOUN
fsr-3237	390	4	affairs	affair	NOUN
fsr-3237	390	5	,	,	PUNCT
fsr-3237	390	6	44	44	NUM
fsr-3237	390	7	,	,	PUNCT
fsr-3237	390	8	358–380	358–380	NUM
fsr-3237	390	9	.	.	PUNCT
fsr-3237	391	1	lyons	lyons	PROPN
fsr-3237	391	2	,	,	PUNCT
fsr-3237	391	3	a.	a.	PROPN
fsr-3237	391	4	c.	c.	PROPN
fsr-3237	391	5	,	,	PUNCT
fsr-3237	391	6	rachlis	rachlis	PROPN
fsr-3237	391	7	,	,	PUNCT
fsr-3237	391	8	m.	m.	NOUN
fsr-3237	391	9	,	,	PUNCT
fsr-3237	391	10	&	&	CCONJ
fsr-3237	391	11	scherpf	scherpf	NOUN
fsr-3237	391	12	,	,	PUNCT
fsr-3237	391	13	e.	e.	PROPN
fsr-3237	391	14	(	(	PUNCT
fsr-3237	391	15	2007	2007	NUM
fsr-3237	391	16	)	)	PUNCT
fsr-3237	391	17	.	.	PUNCT
fsr-3237	392	1	what	what	PRON
fsr-3237	392	2	’s	’	VERB
fsr-3237	392	3	in	in	ADP
fsr-3237	392	4	a	a	DET
fsr-3237	392	5	score	score	NOUN
fsr-3237	392	6	?	?	PUNCT
fsr-3237	393	1	differences	difference	NOUN
fsr-3237	393	2	in	in	ADP
fsr-3237	393	3	consumers	consumer	NOUN
fsr-3237	393	4	’	'	PUNCT
fsr-3237	393	5	credit	credit	NOUN
fsr-3237	393	6	knowledge	knowledge	NOUN
fsr-3237	393	7	using	use	VERB
fsr-3237	393	8	ols	ol	NOUN
fsr-3237	393	9	and	and	CCONJ
fsr-3237	393	10	quintile	quintile	NOUN
fsr-3237	393	11	regressions	regression	NOUN
fsr-3237	393	12	.	.	PUNCT
fsr-3237	394	1	journal	journal	NOUN
fsr-3237	394	2	of	of	ADP
fsr-3237	394	3	consumer	consumer	NOUN
fsr-3237	394	4	affairs	affair	NOUN
fsr-3237	394	5	,	,	PUNCT
fsr-3237	394	6	41	41	NUM
fsr-3237	394	7	,	,	PUNCT
fsr-3237	394	8	223–249	223–249	NUM
fsr-3237	394	9	.	.	PUNCT
fsr-3237	395	1	mandell	mandell	PROPN
fsr-3237	395	2	,	,	PUNCT
fsr-3237	395	3	l.	l.	PROPN
fsr-3237	395	4	(	(	PUNCT
fsr-3237	395	5	2009	2009	NUM
fsr-3237	395	6	)	)	PUNCT
fsr-3237	395	7	.	.	PUNCT
fsr-3237	396	1	the	the	DET
fsr-3237	396	2	impact	impact	NOUN
fsr-3237	396	3	of	of	ADP
fsr-3237	396	4	financial	financial	ADJ
fsr-3237	396	5	education	education	NOUN
fsr-3237	396	6	in	in	ADP
fsr-3237	396	7	high	high	ADJ
fsr-3237	396	8	school	school	NOUN
fsr-3237	396	9	and	and	CCONJ
fsr-3237	396	10	college	college	NOUN
fsr-3237	396	11	on	on	ADP
fsr-3237	396	12	financial	financial	ADJ
fsr-3237	396	13	literacy	literacy	NOUN
fsr-3237	396	14	and	and	CCONJ
fsr-3237	396	15	subsequent	subsequent	ADJ
fsr-3237	396	16	financial	financial	ADJ
fsr-3237	396	17	decision	decision	NOUN
fsr-3237	396	18	making	making	NOUN
fsr-3237	396	19	.	.	PUNCT
fsr-3237	397	1	(	(	PUNCT
fsr-3237	397	2	available	available	ADJ
fsr-3237	397	3	at	at	ADP
fsr-3237	397	4	http://www.americasaves.org/elements/www	http://www.americasaves.org/elements/www	PROPN
fsr-3237	397	5	.	.	PUNCT
fsr-3237	398	1	americasaves.org/file/fin%20behavior%20and%20ed%20v2.pdf	americasaves.org/file/fin%20behavior%20and%20ed%20v2.pdf	PROPN
fsr-3237	398	2	)	)	PUNCT
fsr-3237	398	3	.	.	PUNCT
fsr-3237	399	1	mandell	mandell	PROPN
fsr-3237	399	2	,	,	PUNCT
fsr-3237	399	3	l.	l.	PROPN
fsr-3237	399	4	,	,	PUNCT
fsr-3237	399	5	&	&	CCONJ
fsr-3237	399	6	klein	klein	PROPN
fsr-3237	399	7	,	,	PUNCT
fsr-3237	399	8	l.	l.	PROPN
fsr-3237	399	9	s.	s.	PROPN
fsr-3237	399	10	(	(	PUNCT
fsr-3237	399	11	2007	2007	NUM
fsr-3237	399	12	)	)	PUNCT
fsr-3237	399	13	.	.	PUNCT
fsr-3237	400	1	motivation	motivation	NOUN
fsr-3237	400	2	and	and	CCONJ
fsr-3237	400	3	financial	financial	ADJ
fsr-3237	400	4	literacy	literacy	NOUN
fsr-3237	400	5	.	.	PUNCT
fsr-3237	401	1	financial	financial	ADJ
fsr-3237	401	2	services	service	NOUN
fsr-3237	401	3	review	review	PROPN
fsr-3237	401	4	,	,	PUNCT
fsr-3237	401	5	16	16	NUM
fsr-3237	401	6	,	,	PUNCT
fsr-3237	401	7	105–116	105–116	NUM
fsr-3237	401	8	.	.	PUNCT
fsr-3237	402	1	montoya	montoya	PROPN
fsr-3237	402	2	,	,	PUNCT
fsr-3237	402	3	d.	d.	PROPN
fsr-3237	402	4	y.	y.	PROPN
fsr-3237	402	5	,	,	PUNCT
fsr-3237	402	6	&	&	CCONJ
fsr-3237	402	7	scott	scott	PROPN
fsr-3237	402	8	,	,	PUNCT
fsr-3237	402	9	m.	m.	NOUN
fsr-3237	402	10	l.	l.	PROPN
fsr-3237	402	11	(	(	PUNCT
fsr-3237	402	12	2013	2013	NUM
fsr-3237	402	13	)	)	PUNCT
fsr-3237	402	14	.	.	PUNCT
fsr-3237	403	1	the	the	DET
fsr-3237	403	2	effect	effect	NOUN
fsr-3237	403	3	of	of	ADP
fsr-3237	403	4	lifestyle	lifestyle	NOUN
fsr-3237	403	5	-	-	PUNCT
fsr-3237	403	6	based	base	VERB
fsr-3237	403	7	depletion	depletion	NOUN
fsr-3237	403	8	on	on	ADP
fsr-3237	403	9	teen	teen	ADJ
fsr-3237	403	10	consumer	consumer	NOUN
fsr-3237	403	11	behavior	behavior	NOUN
fsr-3237	403	12	.	.	PUNCT
fsr-3237	404	1	journal	journal	PROPN
fsr-3237	404	2	of	of	ADP
fsr-3237	404	3	public	public	ADJ
fsr-3237	404	4	policy	policy	NOUN
fsr-3237	404	5	and	and	CCONJ
fsr-3237	404	6	marketing	marketing	NOUN
fsr-3237	404	7	,	,	PUNCT
fsr-3237	404	8	32	32	NUM
fsr-3237	404	9	,	,	PUNCT
fsr-3237	404	10	82–96	82–96	NUM
fsr-3237	404	11	.	.	PUNCT
fsr-3237	405	1	norvilitis	norvilitis	PROPN
fsr-3237	405	2	,	,	PUNCT
fsr-3237	405	3	j.	j.	PROPN
fsr-3237	405	4	m.	m.	PROPN
fsr-3237	405	5	,	,	PUNCT
fsr-3237	405	6	&	&	CCONJ
fsr-3237	405	7	maclean	maclean	PROPN
fsr-3237	405	8	,	,	PUNCT
fsr-3237	405	9	m.	m.	NOUN
fsr-3237	405	10	g.	g.	PROPN
fsr-3237	405	11	(	(	PUNCT
fsr-3237	405	12	2010	2010	NUM
fsr-3237	405	13	)	)	PUNCT
fsr-3237	405	14	.	.	PUNCT
fsr-3237	406	1	the	the	DET
fsr-3237	406	2	role	role	NOUN
fsr-3237	406	3	of	of	ADP
fsr-3237	406	4	parents	parent	NOUN
fsr-3237	406	5	in	in	ADP
fsr-3237	406	6	college	college	NOUN
fsr-3237	406	7	students	student	NOUN
fsr-3237	406	8	’	’	PART
fsr-3237	406	9	financial	financial	ADJ
fsr-3237	406	10	behaviors	behavior	NOUN
fsr-3237	406	11	and	and	CCONJ
fsr-3237	406	12	attitudes	attitude	NOUN
fsr-3237	406	13	.	.	PUNCT
fsr-3237	407	1	journal	journal	NOUN
fsr-3237	407	2	of	of	ADP
fsr-3237	407	3	economic	economic	ADJ
fsr-3237	407	4	psychology	psychology	NOUN
fsr-3237	407	5	,	,	PUNCT
fsr-3237	407	6	31	31	NUM
fsr-3237	407	7	,	,	PUNCT
fsr-3237	407	8	55–63	55–63	NUM
fsr-3237	407	9	.	.	PUNCT
fsr-3237	408	1	peng	peng	PROPN
fsr-3237	408	2	,	,	PUNCT
fsr-3237	408	3	t.	t.	PROPN
fsr-3237	408	4	m.	m.	NOUN
fsr-3237	408	5	,	,	PUNCT
fsr-3237	408	6	bartholomae	bartholomae	PROPN
fsr-3237	408	7	,	,	PUNCT
fsr-3237	408	8	s.	s.	PROPN
fsr-3237	408	9	,	,	PUNCT
fsr-3237	408	10	fox	fox	PROPN
fsr-3237	408	11	,	,	PUNCT
fsr-3237	408	12	j.	j.	PROPN
fsr-3237	408	13	j.	j.	PROPN
fsr-3237	408	14	,	,	PUNCT
fsr-3237	408	15	&	&	CCONJ
fsr-3237	408	16	cravener	cravener	PROPN
fsr-3237	408	17	,	,	PUNCT
fsr-3237	408	18	g.	g.	PROPN
fsr-3237	408	19	(	(	PUNCT
fsr-3237	408	20	2007	2007	NUM
fsr-3237	408	21	)	)	PUNCT
fsr-3237	408	22	.	.	PUNCT
fsr-3237	409	1	the	the	DET
fsr-3237	409	2	impact	impact	NOUN
fsr-3237	409	3	of	of	ADP
fsr-3237	409	4	personal	personal	ADJ
fsr-3237	409	5	finance	finance	NOUN
fsr-3237	409	6	education	education	NOUN
fsr-3237	409	7	delivered	deliver	VERB
fsr-3237	409	8	in	in	ADP
fsr-3237	409	9	high	high	ADJ
fsr-3237	409	10	school	school	NOUN
fsr-3237	409	11	and	and	CCONJ
fsr-3237	409	12	college	college	NOUN
fsr-3237	409	13	courses	course	NOUN
fsr-3237	409	14	.	.	PUNCT
fsr-3237	410	1	journal	journal	NOUN
fsr-3237	410	2	of	of	ADP
fsr-3237	410	3	family	family	NOUN
fsr-3237	410	4	and	and	CCONJ
fsr-3237	410	5	economic	economic	ADJ
fsr-3237	410	6	issues	issue	NOUN
fsr-3237	410	7	,	,	PUNCT
fsr-3237	410	8	28	28	NUM
fsr-3237	410	9	,	,	PUNCT
fsr-3237	410	10	265–284	265–284	NUM
fsr-3237	410	11	.	.	PUNCT
fsr-3237	411	1	schmeiser	schmeiser	ADJ
fsr-3237	411	2	,	,	PUNCT
fsr-3237	411	3	m.	m.	NOUN
fsr-3237	411	4	d.	d.	PROPN
fsr-3237	411	5	,	,	PUNCT
fsr-3237	411	6	&	&	CCONJ
fsr-3237	411	7	seligman	seligman	PROPN
fsr-3237	411	8	,	,	PUNCT
fsr-3237	411	9	j.	j.	PROPN
fsr-3237	411	10	s.	s.	PROPN
fsr-3237	411	11	(	(	PUNCT
fsr-3237	411	12	2013	2013	NUM
fsr-3237	411	13	)	)	PUNCT
fsr-3237	411	14	.	.	PUNCT
fsr-3237	412	1	using	use	VERB
fsr-3237	412	2	the	the	DET
fsr-3237	412	3	right	right	ADJ
fsr-3237	412	4	yardstick	yardstick	NOUN
fsr-3237	412	5	:	:	PUNCT
fsr-3237	412	6	assessing	assess	VERB
fsr-3237	412	7	financial	financial	ADJ
fsr-3237	412	8	literacy	literacy	NOUN
fsr-3237	412	9	measures	measure	NOUN
fsr-3237	412	10	by	by	ADP
fsr-3237	412	11	way	way	NOUN
fsr-3237	412	12	of	of	ADP
fsr-3237	412	13	financial	financial	ADJ
fsr-3237	412	14	well	well	NOUN
fsr-3237	412	15	-	-	PUNCT
fsr-3237	412	16	being	being	NOUN
fsr-3237	412	17	.	.	PUNCT
fsr-3237	413	1	journal	journal	PROPN
fsr-3237	413	2	of	of	ADP
fsr-3237	413	3	consumer	consumer	NOUN
fsr-3237	413	4	affairs	affair	NOUN
fsr-3237	413	5	,	,	PUNCT
fsr-3237	413	6	47	47	NUM
fsr-3237	413	7	,	,	PUNCT
fsr-3237	413	8	243–262	243–262	NUM
fsr-3237	413	9	.	.	PUNCT
fsr-3237	414	1	136	136	NUM
fsr-3237	414	2	n.	n.	PROPN
fsr-3237	414	3	tang	tang	PROPN
fsr-3237	414	4	,	,	PUNCT
fsr-3237	414	5	p.c	p.c	PROPN
fsr-3237	414	6	.	.	PROPN
fsr-3237	414	7	peter	peter	PROPN
fsr-3237	414	8	/	/	SYM
fsr-3237	414	9	financial	financial	ADJ
fsr-3237	414	10	services	service	NOUN
fsr-3237	414	11	review	review	VERB
fsr-3237	414	12	24	24	NUM
fsr-3237	414	13	(	(	PUNCT
fsr-3237	414	14	2015	2015	NUM
fsr-3237	414	15	)	)	PUNCT
fsr-3237	414	16	119–137	119–137	NUM
fsr-3237	414	17	shim	shim	NOUN
fsr-3237	414	18	,	,	PUNCT
fsr-3237	414	19	s.	s.	PROPN
fsr-3237	414	20	,	,	PUNCT
fsr-3237	414	21	serido	serido	PRON
fsr-3237	414	22	,	,	PUNCT
fsr-3237	414	23	j.	j.	PROPN
fsr-3237	414	24	,	,	PUNCT
fsr-3237	414	25	bosch	bosch	PROPN
fsr-3237	414	26	,	,	PUNCT
fsr-3237	414	27	l.	l.	PROPN
fsr-3237	414	28	,	,	PUNCT
fsr-3237	414	29	&	&	CCONJ
fsr-3237	414	30	tang	tang	PROPN
fsr-3237	414	31	,	,	PUNCT
fsr-3237	414	32	c.	c.	PROPN
fsr-3237	414	33	(	(	PUNCT
fsr-3237	414	34	2013	2013	NUM
fsr-3237	414	35	)	)	PUNCT
fsr-3237	414	36	.	.	PUNCT
fsr-3237	415	1	financial	financial	ADJ
fsr-3237	415	2	identity	identity	NOUN
fsr-3237	415	3	-	-	PUNCT
fsr-3237	415	4	processing	process	VERB
fsr-3237	415	5	styles	style	NOUN
fsr-3237	415	6	among	among	ADP
fsr-3237	415	7	young	young	ADJ
fsr-3237	415	8	adults	adult	NOUN
fsr-3237	415	9	:	:	PUNCT
fsr-3237	415	10	a	a	DET
fsr-3237	415	11	longitudinal	longitudinal	ADJ
fsr-3237	415	12	study	study	NOUN
fsr-3237	415	13	of	of	ADP
fsr-3237	415	14	socialization	socialization	NOUN
fsr-3237	415	15	factors	factor	NOUN
fsr-3237	415	16	and	and	CCONJ
fsr-3237	415	17	consequences	consequence	NOUN
fsr-3237	415	18	for	for	ADP
fsr-3237	415	19	financial	financial	ADJ
fsr-3237	415	20	capabilities	capability	NOUN
fsr-3237	415	21	.	.	PUNCT
fsr-3237	416	1	journal	journal	NOUN
fsr-3237	416	2	of	of	ADP
fsr-3237	416	3	consumer	consumer	NOUN
fsr-3237	416	4	affairs	affair	NOUN
fsr-3237	416	5	,	,	PUNCT
fsr-3237	416	6	47	47	NUM
fsr-3237	416	7	,	,	PUNCT
fsr-3237	416	8	128–152	128–152	NUM
fsr-3237	416	9	.	.	PUNCT
fsr-3237	417	1	tennyson	tennyson	PROPN
fsr-3237	417	2	,	,	PUNCT
fsr-3237	417	3	s.	s.	PROPN
fsr-3237	417	4	,	,	PUNCT
fsr-3237	417	5	&	&	CCONJ
fsr-3237	417	6	nguyen	nguyen	PROPN
fsr-3237	417	7	,	,	PUNCT
fsr-3237	417	8	c.	c.	PROPN
fsr-3237	417	9	(	(	PUNCT
fsr-3237	417	10	2001	2001	NUM
fsr-3237	417	11	)	)	PUNCT
fsr-3237	417	12	.	.	PUNCT
fsr-3237	418	1	state	state	NOUN
fsr-3237	418	2	curriculum	curriculum	NOUN
fsr-3237	418	3	mandates	mandate	NOUN
fsr-3237	418	4	and	and	CCONJ
fsr-3237	418	5	student	student	NOUN
fsr-3237	418	6	knowledge	knowledge	NOUN
fsr-3237	418	7	of	of	ADP
fsr-3237	418	8	personal	personal	ADJ
fsr-3237	418	9	finance	finance	NOUN
fsr-3237	418	10	.	.	PUNCT
fsr-3237	419	1	journal	journal	NOUN
fsr-3237	419	2	of	of	ADP
fsr-3237	419	3	consumer	consumer	NOUN
fsr-3237	419	4	affairs	affair	NOUN
fsr-3237	419	5	,	,	PUNCT
fsr-3237	419	6	35	35	NUM
fsr-3237	419	7	,	,	PUNCT
fsr-3237	419	8	241–262	241–262	NUM
fsr-3237	419	9	.	.	PUNCT
fsr-3237	420	1	van	van	PROPN
fsr-3237	420	2	rooij	rooij	NOUN
fsr-3237	420	3	,	,	PUNCT
fsr-3237	420	4	m.	m.	NOUN
fsr-3237	420	5	,	,	PUNCT
fsr-3237	420	6	lusardi	lusardi	PROPN
fsr-3237	420	7	,	,	PUNCT
fsr-3237	420	8	a.	a.	NOUN
fsr-3237	420	9	,	,	PUNCT
fsr-3237	420	10	&	&	CCONJ
fsr-3237	420	11	alessie	alessie	PROPN
fsr-3237	420	12	,	,	PUNCT
fsr-3237	420	13	r.	r.	PROPN
fsr-3237	420	14	(	(	PUNCT
fsr-3237	420	15	2011	2011	NUM
fsr-3237	420	16	)	)	PUNCT
fsr-3237	420	17	.	.	PUNCT
fsr-3237	421	1	financial	financial	ADJ
fsr-3237	421	2	literacy	literacy	NOUN
fsr-3237	421	3	and	and	CCONJ
fsr-3237	421	4	stock	stock	NOUN
fsr-3237	421	5	market	market	NOUN
fsr-3237	421	6	participation	participation	NOUN
fsr-3237	421	7	.	.	PUNCT
fsr-3237	422	1	journal	journal	NOUN
fsr-3237	422	2	of	of	ADP
fsr-3237	422	3	financial	financial	ADJ
fsr-3237	422	4	economics	economic	NOUN
fsr-3237	422	5	,	,	PUNCT
fsr-3237	422	6	101	101	NUM
fsr-3237	422	7	,	,	PUNCT
fsr-3237	422	8	449–472	449–472	NUM
fsr-3237	422	9	.	.	PUNCT
fsr-3237	423	1	volpe	volpe	PROPN
fsr-3237	423	2	,	,	PUNCT
fsr-3237	423	3	r.	r.	PROPN
fsr-3237	423	4	p.	p.	PROPN
fsr-3237	423	5	,	,	PUNCT
fsr-3237	423	6	chen	chen	PROPN
fsr-3237	423	7	,	,	PUNCT
fsr-3237	423	8	h.	h.	PROPN
fsr-3237	423	9	,	,	PUNCT
fsr-3237	423	10	&	&	CCONJ
fsr-3237	423	11	liu	liu	PROPN
fsr-3237	423	12	,	,	PUNCT
fsr-3237	423	13	s.	s.	PROPN
fsr-3237	423	14	(	(	PUNCT
fsr-3237	423	15	2006	2006	NUM
fsr-3237	423	16	)	)	PUNCT
fsr-3237	423	17	.	.	PUNCT
fsr-3237	424	1	an	an	DET
fsr-3237	424	2	analysis	analysis	NOUN
fsr-3237	424	3	of	of	ADP
fsr-3237	424	4	the	the	DET
fsr-3237	424	5	importance	importance	NOUN
fsr-3237	424	6	of	of	ADP
fsr-3237	424	7	personal	personal	ADJ
fsr-3237	424	8	finance	finance	NOUN
fsr-3237	424	9	topics	topic	NOUN
fsr-3237	424	10	and	and	CCONJ
fsr-3237	424	11	the	the	DET
fsr-3237	424	12	level	level	NOUN
fsr-3237	424	13	of	of	ADP
fsr-3237	424	14	knowledge	knowledge	NOUN
fsr-3237	424	15	possessed	possess	VERB
fsr-3237	424	16	by	by	ADP
fsr-3237	424	17	working	work	VERB
fsr-3237	424	18	adults	adult	NOUN
fsr-3237	424	19	.	.	PUNCT
fsr-3237	425	1	financial	financial	ADJ
fsr-3237	425	2	services	service	NOUN
fsr-3237	425	3	review	review	PROPN
fsr-3237	425	4	,	,	PUNCT
fsr-3237	425	5	15	15	NUM
fsr-3237	425	6	,	,	PUNCT
fsr-3237	425	7	81–98	81–98	NUM
fsr-3237	425	8	.	.	PUNCT
fsr-3237	426	1	wiedrich	wiedrich	PROPN
fsr-3237	426	2	,	,	PUNCT
fsr-3237	426	3	k.	k.	PROPN
fsr-3237	426	4	,	,	PUNCT
fsr-3237	426	5	collins	collins	PROPN
fsr-3237	426	6	,	,	PUNCT
fsr-3237	426	7	m.	m.	NOUN
fsr-3237	426	8	,	,	PUNCT
fsr-3237	426	9	rosen	rosen	PROPN
fsr-3237	426	10	,	,	PUNCT
fsr-3237	426	11	l.	l.	PROPN
fsr-3237	426	12	,	,	PUNCT
fsr-3237	426	13	&	&	CCONJ
fsr-3237	426	14	rademacher	rademacher	PROPN
fsr-3237	426	15	,	,	PUNCT
fsr-3237	426	16	i.	i.	NOUN
fsr-3237	426	17	(	(	PUNCT
fsr-3237	426	18	2014	2014	NUM
fsr-3237	426	19	)	)	PUNCT
fsr-3237	426	20	.	.	PUNCT
fsr-3237	427	1	financial	financial	ADJ
fsr-3237	427	2	education	education	NOUN
fsr-3237	427	3	and	and	CCONJ
fsr-3237	427	4	account	account	NOUN
fsr-3237	427	5	access	access	NOUN
fsr-3237	427	6	among	among	ADP
fsr-3237	427	7	elementary	elementary	ADJ
fsr-3237	427	8	students	student	NOUN
fsr-3237	427	9	.	.	PUNCT
fsr-3237	428	1	findings	finding	NOUN
fsr-3237	428	2	from	from	ADP
fsr-3237	428	3	the	the	DET
fsr-3237	428	4	assessing	assess	VERB
fsr-3237	428	5	financial	financial	ADJ
fsr-3237	428	6	capability	capability	NOUN
fsr-3237	428	7	outcomes	outcome	NOUN
fsr-3237	428	8	(	(	PUNCT
fsr-3237	428	9	afco	afco	PROPN
fsr-3237	428	10	)	)	PUNCT
fsr-3237	428	11	youth	youth	NOUN
fsr-3237	428	12	pilot	pilot	NOUN
fsr-3237	428	13	.	.	PUNCT
fsr-3237	429	1	cfed	cfed	PROPN
fsr-3237	429	2	working	working	PROPN
fsr-3237	429	3	paper	paper	NOUN
fsr-3237	429	4	,	,	PUNCT
fsr-3237	429	5	april	april	PROPN
fsr-3237	429	6	2014	2014	NUM
fsr-3237	429	7	.	.	PUNCT
fsr-3237	430	1	worthington	worthington	PROPN
fsr-3237	430	2	,	,	PUNCT
fsr-3237	430	3	a.	a.	PROPN
fsr-3237	430	4	c.	c.	PROPN
fsr-3237	430	5	(	(	PUNCT
fsr-3237	430	6	2006	2006	NUM
fsr-3237	430	7	)	)	PUNCT
fsr-3237	430	8	.	.	PUNCT
fsr-3237	431	1	predicting	predict	VERB
fsr-3237	431	2	financial	financial	ADJ
fsr-3237	431	3	literacy	literacy	NOUN
fsr-3237	431	4	in	in	ADP
fsr-3237	431	5	australia	australia	PROPN
fsr-3237	431	6	.	.	PUNCT
fsr-3237	432	1	financial	financial	ADJ
fsr-3237	432	2	services	services	PROPN
fsr-3237	432	3	review	review	PROPN
fsr-3237	432	4	,	,	PUNCT
fsr-3237	432	5	15	15	NUM
fsr-3237	432	6	,	,	PUNCT
fsr-3237	432	7	59–79	59–79	ADV
fsr-3237	432	8	.	.	PUNCT
fsr-3237	433	1	worthy	worthy	ADJ
fsr-3237	433	2	,	,	PUNCT
fsr-3237	433	3	s.	s.	PROPN
fsr-3237	433	4	l.	l.	PROPN
fsr-3237	433	5	,	,	PUNCT
fsr-3237	433	6	jonkman	jonkman	NOUN
fsr-3237	433	7	,	,	PUNCT
fsr-3237	433	8	j.	j.	PROPN
fsr-3237	433	9	,	,	PUNCT
fsr-3237	433	10	&	&	CCONJ
fsr-3237	433	11	blinn	blinn	PROPN
fsr-3237	433	12	-	-	PUNCT
fsr-3237	433	13	pike	pike	NOUN
fsr-3237	433	14	,	,	PUNCT
fsr-3237	433	15	l.	l.	PROPN
fsr-3237	433	16	(	(	PUNCT
fsr-3237	433	17	2010	2010	NUM
fsr-3237	433	18	)	)	PUNCT
fsr-3237	433	19	.	.	PUNCT
fsr-3237	434	1	sensation	sensation	NOUN
fsr-3237	434	2	-	-	PUNCT
fsr-3237	434	3	seeking	seeking	NOUN
fsr-3237	434	4	,	,	PUNCT
fsr-3237	434	5	risk	risk	NOUN
fsr-3237	434	6	-	-	PUNCT
fsr-3237	434	7	taking	taking	NOUN
fsr-3237	434	8	,	,	PUNCT
fsr-3237	434	9	and	and	CCONJ
fsr-3237	434	10	problematic	problematic	ADJ
fsr-3237	434	11	financial	financial	ADJ
fsr-3237	434	12	behaviors	behavior	NOUN
fsr-3237	434	13	of	of	ADP
fsr-3237	434	14	college	college	NOUN
fsr-3237	434	15	students	student	NOUN
fsr-3237	434	16	.	.	PUNCT
fsr-3237	435	1	journal	journal	PROPN
fsr-3237	435	2	of	of	ADP
fsr-3237	435	3	family	family	NOUN
fsr-3237	435	4	and	and	CCONJ
fsr-3237	435	5	economic	economic	ADJ
fsr-3237	435	6	issues	issue	NOUN
fsr-3237	435	7	,	,	PUNCT
fsr-3237	435	8	31	31	NUM
fsr-3237	435	9	,	,	PUNCT
fsr-3237	435	10	161–170	161–170	NUM
fsr-3237	435	11	.	.	PUNCT
fsr-3237	436	1	xiao	xiao	PROPN
fsr-3237	436	2	,	,	PUNCT
fsr-3237	436	3	j.	j.	PROPN
fsr-3237	436	4	j.	j.	PROPN
fsr-3237	436	5	,	,	PUNCT
fsr-3237	436	6	tang	tang	PROPN
fsr-3237	436	7	,	,	PUNCT
fsr-3237	436	8	c.	c.	PROPN
fsr-3237	436	9	,	,	PUNCT
fsr-3237	436	10	serido	serido	PRON
fsr-3237	436	11	,	,	PUNCT
fsr-3237	436	12	j.	j.	PROPN
fsr-3237	436	13	,	,	PUNCT
fsr-3237	436	14	&	&	CCONJ
fsr-3237	436	15	shim	shim	NOUN
fsr-3237	436	16	,	,	PUNCT
fsr-3237	436	17	s.	s.	PROPN
fsr-3237	436	18	(	(	PUNCT
fsr-3237	436	19	2011	2011	NUM
fsr-3237	436	20	)	)	PUNCT
fsr-3237	436	21	.	.	PUNCT
fsr-3237	437	1	antecedents	antecedent	NOUN
fsr-3237	437	2	and	and	CCONJ
fsr-3237	437	3	consequences	consequence	NOUN
fsr-3237	437	4	of	of	ADP
fsr-3237	437	5	risky	risky	ADJ
fsr-3237	437	6	credit	credit	NOUN
fsr-3237	437	7	behavior	behavior	NOUN
fsr-3237	437	8	among	among	ADP
fsr-3237	437	9	college	college	NOUN
fsr-3237	437	10	students	student	NOUN
fsr-3237	437	11	:	:	PUNCT
fsr-3237	437	12	application	application	NOUN
fsr-3237	437	13	and	and	CCONJ
fsr-3237	437	14	extension	extension	NOUN
fsr-3237	437	15	of	of	ADP
fsr-3237	437	16	the	the	DET
fsr-3237	437	17	theory	theory	NOUN
fsr-3237	437	18	of	of	ADP
fsr-3237	437	19	planned	plan	VERB
fsr-3237	437	20	behavior	behavior	NOUN
fsr-3237	437	21	.	.	PUNCT
fsr-3237	438	1	journal	journal	PROPN
fsr-3237	438	2	of	of	ADP
fsr-3237	438	3	public	public	ADJ
fsr-3237	438	4	policy	policy	NOUN
fsr-3237	438	5	&	&	CCONJ
fsr-3237	438	6	marketing	marketing	NOUN
fsr-3237	438	7	,	,	PUNCT
fsr-3237	438	8	30	30	NUM
fsr-3237	438	9	,	,	PUNCT
fsr-3237	438	10	239–245	239–245	NUM
fsr-3237	438	11	.	.	PUNCT
fsr-3237	439	1	137n	137n	PROPN
fsr-3237	439	2	.	.	PUNCT
fsr-3237	440	1	tang	tang	PROPN
fsr-3237	440	2	,	,	PUNCT
fsr-3237	440	3	p.c	p.c	PROPN
fsr-3237	440	4	.	.	PROPN
fsr-3237	440	5	peter	peter	PROPN
fsr-3237	440	6	/	/	SYM
fsr-3237	440	7	financial	financial	ADJ
fsr-3237	440	8	services	service	NOUN
fsr-3237	440	9	review	review	VERB
fsr-3237	440	10	24	24	NUM
fsr-3237	440	11	(	(	PUNCT
fsr-3237	440	12	2015	2015	NUM
fsr-3237	440	13	)	)	PUNCT
fsr-3237	440	14	119–137	119–137	NUM