id	sid	tid	token	lemma	pos
fsr-3245	1	1	the	the	DET
fsr-3245	1	2	time	time	NOUN
fsr-3245	1	3	perspective	perspective	NOUN
fsr-3245	1	4	of	of	ADP
fsr-3245	1	5	financial	financial	ADJ
fsr-3245	1	6	advisors	advisor	NOUN
fsr-3245	1	7	and	and	CCONJ
fsr-3245	1	8	its	its	PRON
fsr-3245	1	9	effect	effect	NOUN
fsr-3245	1	10	on	on	ADP
fsr-3245	1	11	their	their	PRON
fsr-3245	1	12	decision	decision	NOUN
fsr-3245	1	13	-	-	PUNCT
fsr-3245	1	14	making	make	VERB
fsr-3245	1	15	kenneth	kenneth	PROPN
fsr-3245	1	16	n.	n.	PROPN
fsr-3245	1	17	ryacka	ryacka	PROPN
fsr-3245	1	18	,	,	PUNCT
fsr-3245	1	19	*	*	PUNCT
fsr-3245	1	20	adepartment	adepartment	NOUN
fsr-3245	1	21	of	of	ADP
fsr-3245	1	22	accounting	accounting	PROPN
fsr-3245	1	23	,	,	PUNCT
fsr-3245	1	24	quinnipiac	quinnipiac	PROPN
fsr-3245	1	25	university	university	PROPN
fsr-3245	1	26	,	,	PUNCT
fsr-3245	1	27	hamden	hamden	PROPN
fsr-3245	1	28	,	,	PUNCT
fsr-3245	1	29	ct	ct	PROPN
fsr-3245	1	30	,	,	PUNCT
fsr-3245	1	31	06518	06518	NUM
fsr-3245	1	32	,	,	PUNCT
fsr-3245	1	33	usa	usa	PROPN
fsr-3245	1	34	abstract	abstract	ADJ
fsr-3245	1	35	psychological	psychological	ADJ
fsr-3245	1	36	research	research	NOUN
fsr-3245	1	37	suggests	suggest	VERB
fsr-3245	1	38	individuals	individual	NOUN
fsr-3245	1	39	often	often	ADV
fsr-3245	1	40	display	display	VERB
fsr-3245	1	41	past	past	ADV
fsr-3245	1	42	,	,	PUNCT
fsr-3245	1	43	present	present	ADJ
fsr-3245	1	44	,	,	PUNCT
fsr-3245	1	45	or	or	CCONJ
fsr-3245	1	46	future	future	ADJ
fsr-3245	1	47	time	time	NOUN
fsr-3245	1	48	perspective	perspective	NOUN
fsr-3245	1	49	(	(	PUNCT
fsr-3245	1	50	tp	tp	NOUN
fsr-3245	1	51	)	)	PUNCT
fsr-3245	1	52	biases	bias	NOUN
fsr-3245	1	53	that	that	PRON
fsr-3245	1	54	impact	impact	VERB
fsr-3245	1	55	decision	decision	NOUN
fsr-3245	1	56	-	-	PUNCT
fsr-3245	1	57	making	making	NOUN
fsr-3245	1	58	.	.	PUNCT
fsr-3245	2	1	this	this	DET
fsr-3245	2	2	article	article	NOUN
fsr-3245	2	3	examines	examine	VERB
fsr-3245	2	4	the	the	DET
fsr-3245	2	5	tp	tp	NOUN
fsr-3245	2	6	biases	bias	NOUN
fsr-3245	2	7	of	of	ADP
fsr-3245	2	8	financial	financial	ADJ
fsr-3245	2	9	advisors	advisor	NOUN
fsr-3245	2	10	from	from	ADP
fsr-3245	2	11	different	different	ADJ
fsr-3245	2	12	backgrounds	background	NOUN
fsr-3245	2	13	and	and	CCONJ
fsr-3245	2	14	whether	whether	SCONJ
fsr-3245	2	15	or	or	CCONJ
fsr-3245	2	16	not	not	PART
fsr-3245	2	17	the	the	DET
fsr-3245	2	18	biases	bias	NOUN
fsr-3245	2	19	impact	impact	VERB
fsr-3245	2	20	client	client	NOUN
fsr-3245	2	21	recommendations	recommendation	NOUN
fsr-3245	2	22	.	.	PUNCT
fsr-3245	3	1	consistent	consistent	ADJ
fsr-3245	3	2	with	with	ADP
fsr-3245	3	3	literature	literature	NOUN
fsr-3245	3	4	that	that	PRON
fsr-3245	3	5	suggests	suggest	VERB
fsr-3245	3	6	a	a	DET
fsr-3245	3	7	link	link	NOUN
fsr-3245	3	8	between	between	ADP
fsr-3245	3	9	tp	tp	NOUN
fsr-3245	3	10	and	and	CCONJ
fsr-3245	3	11	career	career	NOUN
fsr-3245	3	12	choice	choice	NOUN
fsr-3245	3	13	,	,	PUNCT
fsr-3245	3	14	advisors	advisor	NOUN
fsr-3245	3	15	are	be	AUX
fsr-3245	3	16	future	future	ADV
fsr-3245	3	17	oriented	orient	VERB
fsr-3245	3	18	as	as	ADP
fsr-3245	3	19	a	a	DET
fsr-3245	3	20	group	group	NOUN
fsr-3245	3	21	,	,	PUNCT
fsr-3245	3	22	regardless	regardless	ADV
fsr-3245	3	23	of	of	ADP
fsr-3245	3	24	their	their	PRON
fsr-3245	3	25	professional	professional	ADJ
fsr-3245	3	26	background	background	NOUN
fsr-3245	3	27	.	.	PUNCT
fsr-3245	4	1	however	however	ADV
fsr-3245	4	2	,	,	PUNCT
fsr-3245	4	3	contrary	contrary	ADJ
fsr-3245	4	4	to	to	ADP
fsr-3245	4	5	prior	prior	ADV
fsr-3245	4	6	tp	tp	ADP
fsr-3245	4	7	research	research	NOUN
fsr-3245	4	8	,	,	PUNCT
fsr-3245	4	9	the	the	DET
fsr-3245	4	10	bias	bias	NOUN
fsr-3245	4	11	does	do	AUX
fsr-3245	4	12	not	not	PART
fsr-3245	4	13	appear	appear	VERB
fsr-3245	4	14	to	to	PART
fsr-3245	4	15	impact	impact	VERB
fsr-3245	4	16	their	their	PRON
fsr-3245	4	17	professional	professional	ADJ
fsr-3245	4	18	decisions	decision	NOUN
fsr-3245	4	19	.	.	PUNCT
fsr-3245	5	1	instead	instead	ADV
fsr-3245	5	2	,	,	PUNCT
fsr-3245	5	3	the	the	DET
fsr-3245	5	4	findings	finding	NOUN
fsr-3245	5	5	are	be	AUX
fsr-3245	5	6	consistent	consistent	ADJ
fsr-3245	5	7	with	with	ADP
fsr-3245	5	8	research	research	NOUN
fsr-3245	5	9	that	that	PRON
fsr-3245	5	10	demonstrates	demonstrate	VERB
fsr-3245	5	11	psychological	psychological	ADJ
fsr-3245	5	12	biases	bias	NOUN
fsr-3245	5	13	are	be	AUX
fsr-3245	5	14	mitigated	mitigate	VERB
fsr-3245	5	15	when	when	SCONJ
fsr-3245	5	16	professional	professional	ADJ
fsr-3245	5	17	decision	decision	NOUN
fsr-3245	5	18	makers	maker	NOUN
fsr-3245	5	19	perform	perform	VERB
fsr-3245	5	20	job	job	NOUN
fsr-3245	5	21	related	relate	VERB
fsr-3245	5	22	tasks	task	NOUN
fsr-3245	5	23	.	.	PUNCT
fsr-3245	6	1	©	©	PROPN
fsr-3245	6	2	2015	2015	NUM
fsr-3245	6	3	academy	academy	NOUN
fsr-3245	6	4	of	of	ADP
fsr-3245	6	5	financial	financial	ADJ
fsr-3245	6	6	services	service	NOUN
fsr-3245	6	7	.	.	PUNCT
fsr-3245	7	1	all	all	DET
fsr-3245	7	2	rights	right	NOUN
fsr-3245	7	3	reserved	reserve	VERB
fsr-3245	7	4	.	.	PUNCT
fsr-3245	8	1	jel	jel	PROPN
fsr-3245	8	2	classification	classification	NOUN
fsr-3245	8	3	:	:	PUNCT
fsr-3245	9	1	d8	d8	PROPN
fsr-3245	9	2	,	,	PUNCT
fsr-3245	9	3	d9	d9	PROPN
fsr-3245	9	4	,	,	PUNCT
fsr-3245	9	5	d14	d14	NOUN
fsr-3245	9	6	keywords	keyword	NOUN
fsr-3245	9	7	:	:	PUNCT
fsr-3245	9	8	time	time	NOUN
fsr-3245	9	9	perspective	perspective	NOUN
fsr-3245	9	10	;	;	PUNCT
fsr-3245	9	11	time	time	NOUN
fsr-3245	9	12	orientation	orientation	NOUN
fsr-3245	9	13	;	;	PUNCT
fsr-3245	9	14	financial	financial	ADJ
fsr-3245	9	15	advisors	advisor	NOUN
fsr-3245	9	16	;	;	PUNCT
fsr-3245	9	17	financial	financial	ADJ
fsr-3245	9	18	decision	decision	NOUN
fsr-3245	9	19	making	making	NOUN
fsr-3245	9	20	;	;	PUNCT
fsr-3245	9	21	personal	personal	ADJ
fsr-3245	9	22	financial	financial	ADJ
fsr-3245	9	23	planning	planning	NOUN
fsr-3245	9	24	,	,	PUNCT
fsr-3245	9	25	career	career	NOUN
fsr-3245	9	26	choice	choice	NOUN
fsr-3245	9	27	researchers	researcher	NOUN
fsr-3245	9	28	have	have	AUX
fsr-3245	9	29	noted	note	VERB
fsr-3245	9	30	that	that	SCONJ
fsr-3245	9	31	today	today	NOUN
fsr-3245	9	32	’s	’s	PART
fsr-3245	9	33	complex	complex	ADJ
fsr-3245	9	34	financial	financial	ADJ
fsr-3245	9	35	and	and	CCONJ
fsr-3245	9	36	economic	economic	ADJ
fsr-3245	9	37	environment	environment	NOUN
fsr-3245	9	38	fuels	fuel	VERB
fsr-3245	9	39	an	an	DET
fsr-3245	9	40	increasing	increase	VERB
fsr-3245	9	41	need	need	NOUN
fsr-3245	9	42	for	for	ADP
fsr-3245	9	43	personal	personal	ADJ
fsr-3245	9	44	financial	financial	ADJ
fsr-3245	9	45	services	service	NOUN
fsr-3245	9	46	and	and	CCONJ
fsr-3245	9	47	those	those	PRON
fsr-3245	9	48	in	in	ADP
fsr-3245	9	49	need	need	NOUN
fsr-3245	9	50	of	of	ADP
fsr-3245	9	51	such	such	ADJ
fsr-3245	9	52	services	service	NOUN
fsr-3245	9	53	commonly	commonly	ADV
fsr-3245	9	54	turn	turn	VERB
fsr-3245	9	55	to	to	ADP
fsr-3245	9	56	a	a	DET
fsr-3245	9	57	personal	personal	ADJ
fsr-3245	9	58	financial	financial	ADJ
fsr-3245	9	59	advisor	advisor	NOUN
fsr-3245	9	60	for	for	ADP
fsr-3245	9	61	advice	advice	NOUN
fsr-3245	9	62	(	(	PUNCT
fsr-3245	9	63	trahan	trahan	PROPN
fsr-3245	9	64	,	,	PUNCT
fsr-3245	9	65	gitman	gitman	NOUN
fsr-3245	9	66	,	,	PUNCT
fsr-3245	9	67	and	and	CCONJ
fsr-3245	9	68	trevino	trevino	PROPN
fsr-3245	9	69	,	,	PUNCT
fsr-3245	9	70	2012	2012	NUM
fsr-3245	9	71	)	)	PUNCT
fsr-3245	9	72	.	.	PUNCT
fsr-3245	10	1	this	this	PRON
fsr-3245	10	2	is	be	AUX
fsr-3245	10	3	consistent	consistent	ADJ
fsr-3245	10	4	with	with	ADP
fsr-3245	10	5	research	research	NOUN
fsr-3245	10	6	that	that	PRON
fsr-3245	10	7	finds	find	VERB
fsr-3245	10	8	21.8	21.8	NUM
fsr-3245	10	9	million	million	NUM
fsr-3245	10	10	u.s	u.s	PROPN
fsr-3245	10	11	households	household	NOUN
fsr-3245	10	12	have	have	AUX
fsr-3245	10	13	sought	seek	VERB
fsr-3245	10	14	some	some	DET
fsr-3245	10	15	type	type	NOUN
fsr-3245	10	16	of	of	ADP
fsr-3245	10	17	advice	advice	NOUN
fsr-3245	10	18	from	from	ADP
fsr-3245	10	19	professional	professional	ADJ
fsr-3245	10	20	financial	financial	ADJ
fsr-3245	10	21	advisors	advisor	NOUN
fsr-3245	10	22	(	(	PUNCT
fsr-3245	10	23	elmerick	elmerick	PROPN
fsr-3245	10	24	,	,	PUNCT
fsr-3245	10	25	montalto	montalto	NOUN
fsr-3245	10	26	,	,	PUNCT
fsr-3245	10	27	and	and	CCONJ
fsr-3245	10	28	fox	fox	PROPN
fsr-3245	10	29	,	,	PUNCT
fsr-3245	10	30	2002	2002	NUM
fsr-3245	10	31	)	)	PUNCT
fsr-3245	10	32	.	.	PUNCT
fsr-3245	11	1	growth	growth	NOUN
fsr-3245	11	2	in	in	ADP
fsr-3245	11	3	the	the	DET
fsr-3245	11	4	financial	financial	ADJ
fsr-3245	11	5	planning	planning	NOUN
fsr-3245	11	6	profession	profession	NOUN
fsr-3245	11	7	and	and	CCONJ
fsr-3245	11	8	the	the	DET
fsr-3245	11	9	increased	increase	VERB
fsr-3245	11	10	use	use	NOUN
fsr-3245	11	11	of	of	ADP
fsr-3245	11	12	financial	financial	ADJ
fsr-3245	11	13	advisors	advisor	NOUN
fsr-3245	11	14	in	in	ADP
fsr-3245	11	15	the	the	DET
fsr-3245	11	16	united	united	PROPN
fsr-3245	11	17	states	states	PROPN
fsr-3245	11	18	has	have	AUX
fsr-3245	11	19	been	be	AUX
fsr-3245	11	20	linked	link	VERB
fsr-3245	11	21	to	to	ADP
fsr-3245	11	22	increasing	increase	VERB
fsr-3245	11	23	life	life	NOUN
fsr-3245	11	24	expectancies	expectancy	NOUN
fsr-3245	11	25	,	,	PUNCT
fsr-3245	11	26	earlier	early	ADJ
fsr-3245	11	27	retirements	retirement	NOUN
fsr-3245	11	28	,	,	PUNCT
fsr-3245	11	29	increases	increase	NOUN
fsr-3245	11	30	in	in	ADP
fsr-3245	11	31	the	the	DET
fsr-3245	11	32	eligibility	eligibility	NOUN
fsr-3245	11	33	age	age	NOUN
fsr-3245	11	34	for	for	ADP
fsr-3245	11	35	social	social	ADJ
fsr-3245	11	36	security	security	NOUN
fsr-3245	11	37	benefits	benefit	NOUN
fsr-3245	11	38	,	,	PUNCT
fsr-3245	11	39	and	and	CCONJ
fsr-3245	11	40	rampant	rampant	ADJ
fsr-3245	11	41	financial	financial	ADJ
fsr-3245	11	42	illiteracy	illiteracy	NOUN
fsr-3245	11	43	in	in	ADP
fsr-3245	11	44	the	the	DET
fsr-3245	11	45	general	general	PROPN
fsr-3245	11	46	*	*	PUNCT
fsr-3245	11	47	corresponding	correspond	VERB
fsr-3245	11	48	author	author	NOUN
fsr-3245	11	49	.	.	PUNCT
fsr-3245	12	1	tel	tel	PROPN
fsr-3245	12	2	.	.	PUNCT
fsr-3245	12	3	:	:	PUNCT
fsr-3245	12	4	�	�	PROPN
fsr-3245	12	5	1	1	NUM
fsr-3245	12	6	-	-	SYM
fsr-3245	12	7	203	203	NUM
fsr-3245	12	8	-	-	PUNCT
fsr-3245	12	9	582	582	NUM
fsr-3245	12	10	-	-	SYM
fsr-3245	12	11	6550	6550	NUM
fsr-3245	12	12	;	;	PUNCT
fsr-3245	12	13	fax	fax	NOUN
fsr-3245	12	14	:	:	PUNCT
fsr-3245	12	15	�	�	PROPN
fsr-3245	12	16	1	1	NUM
fsr-3245	12	17	-	-	SYM
fsr-3245	12	18	203	203	NUM
fsr-3245	12	19	-	-	PUNCT
fsr-3245	12	20	582	582	NUM
fsr-3245	12	21	-	-	PUNCT
fsr-3245	12	22	8664	8664	NUM
fsr-3245	12	23	.	.	PUNCT
fsr-3245	13	1	e	e	X
fsr-3245	13	2	-	-	NOUN
fsr-3245	13	3	mail	mail	NOUN
fsr-3245	13	4	address	address	NOUN
fsr-3245	13	5	:	:	PUNCT
fsr-3245	13	6	kenneth.ryack@quinnipiac.edu	kenneth.ryack@quinnipiac.edu	X
fsr-3245	13	7	(	(	PUNCT
fsr-3245	13	8	k.	k.	NOUN
fsr-3245	13	9	ryack	ryack	NOUN
fsr-3245	13	10	)	)	PUNCT
fsr-3245	13	11	financial	financial	ADJ
fsr-3245	13	12	services	service	NOUN
fsr-3245	13	13	review	review	VERB
fsr-3245	13	14	24	24	NUM
fsr-3245	13	15	(	(	PUNCT
fsr-3245	13	16	2015	2015	NUM
fsr-3245	13	17	)	)	PUNCT
fsr-3245	13	18	387–410	387–410	NUM
fsr-3245	13	19	1057	1057	NUM
fsr-3245	13	20	-	-	SYM
fsr-3245	13	21	0810/15/$	0810/15/$	NUM
fsr-3245	13	22	–	–	PUNCT
fsr-3245	13	23	see	see	VERB
fsr-3245	13	24	front	front	ADJ
fsr-3245	13	25	matter	matter	NOUN
fsr-3245	13	26	©	©	PROPN
fsr-3245	13	27	2015	2015	NUM
fsr-3245	13	28	academy	academy	NOUN
fsr-3245	13	29	of	of	ADP
fsr-3245	13	30	financial	financial	ADJ
fsr-3245	13	31	services	service	NOUN
fsr-3245	13	32	.	.	PUNCT
fsr-3245	14	1	all	all	DET
fsr-3245	14	2	rights	right	NOUN
fsr-3245	14	3	reserved	reserve	VERB
fsr-3245	14	4	.	.	PUNCT
fsr-3245	15	1	population	population	NOUN
fsr-3245	15	2	(	(	PUNCT
fsr-3245	15	3	warschauer	warschauer	NOUN
fsr-3245	15	4	,	,	PUNCT
fsr-3245	15	5	2002	2002	NUM
fsr-3245	15	6	)	)	PUNCT
fsr-3245	15	7	.	.	PUNCT
fsr-3245	16	1	although	although	SCONJ
fsr-3245	16	2	the	the	DET
fsr-3245	16	3	profession	profession	NOUN
fsr-3245	16	4	has	have	AUX
fsr-3245	16	5	seen	see	VERB
fsr-3245	16	6	significant	significant	ADJ
fsr-3245	16	7	growth	growth	NOUN
fsr-3245	16	8	,	,	PUNCT
fsr-3245	16	9	research	research	NOUN
fsr-3245	16	10	on	on	ADP
fsr-3245	16	11	financial	financial	ADJ
fsr-3245	16	12	planning	planning	NOUN
fsr-3245	16	13	and	and	CCONJ
fsr-3245	16	14	financial	financial	ADJ
fsr-3245	16	15	planning	planning	NOUN
fsr-3245	16	16	professionals	professional	NOUN
fsr-3245	16	17	has	have	AUX
fsr-3245	16	18	been	be	AUX
fsr-3245	16	19	lacking	lack	VERB
fsr-3245	16	20	,	,	PUNCT
fsr-3245	16	21	and	and	CCONJ
fsr-3245	16	22	academics	academic	NOUN
fsr-3245	16	23	have	have	AUX
fsr-3245	16	24	called	call	VERB
fsr-3245	16	25	for	for	ADP
fsr-3245	16	26	more	more	ADJ
fsr-3245	16	27	research	research	NOUN
fsr-3245	16	28	in	in	ADP
fsr-3245	16	29	this	this	DET
fsr-3245	16	30	area	area	NOUN
fsr-3245	16	31	(	(	PUNCT
fsr-3245	16	32	black	black	ADJ
fsr-3245	16	33	,	,	PUNCT
fsr-3245	16	34	ciccotello	ciccotello	PROPN
fsr-3245	16	35	,	,	PUNCT
fsr-3245	16	36	and	and	CCONJ
fsr-3245	16	37	skipper	skipper	PROPN
fsr-3245	16	38	,	,	PUNCT
fsr-3245	16	39	2002	2002	NUM
fsr-3245	16	40	)	)	PUNCT
fsr-3245	16	41	.	.	PUNCT
fsr-3245	17	1	i	i	PRON
fsr-3245	17	2	examine	examine	VERB
fsr-3245	17	3	the	the	DET
fsr-3245	17	4	time	time	NOUN
fsr-3245	17	5	perspective	perspective	NOUN
fsr-3245	17	6	of	of	ADP
fsr-3245	17	7	professional	professional	ADJ
fsr-3245	17	8	financial	financial	ADJ
fsr-3245	17	9	planners	planner	NOUN
fsr-3245	17	10	and	and	CCONJ
fsr-3245	17	11	its	its	PRON
fsr-3245	17	12	impact	impact	NOUN
fsr-3245	17	13	on	on	ADP
fsr-3245	17	14	the	the	DET
fsr-3245	17	15	advice	advice	NOUN
fsr-3245	17	16	they	they	PRON
fsr-3245	17	17	give	give	VERB
fsr-3245	17	18	to	to	ADP
fsr-3245	17	19	clients	client	NOUN
fsr-3245	17	20	.	.	PUNCT
fsr-3245	18	1	psychological	psychological	ADJ
fsr-3245	18	2	research	research	NOUN
fsr-3245	18	3	has	have	AUX
fsr-3245	18	4	found	find	VERB
fsr-3245	18	5	that	that	SCONJ
fsr-3245	18	6	individuals	individual	NOUN
fsr-3245	18	7	often	often	ADV
fsr-3245	18	8	display	display	VERB
fsr-3245	18	9	a	a	DET
fsr-3245	18	10	bias	bias	NOUN
fsr-3245	18	11	toward	toward	ADP
fsr-3245	18	12	a	a	DET
fsr-3245	18	13	particular	particular	ADJ
fsr-3245	18	14	temporal	temporal	ADJ
fsr-3245	18	15	frame	frame	NOUN
fsr-3245	18	16	of	of	ADP
fsr-3245	18	17	reference	reference	NOUN
fsr-3245	18	18	when	when	SCONJ
fsr-3245	18	19	making	make	VERB
fsr-3245	18	20	decisions	decision	NOUN
fsr-3245	18	21	.	.	PUNCT
fsr-3245	19	1	in	in	ADP
fsr-3245	19	2	other	other	ADJ
fsr-3245	19	3	words	word	NOUN
fsr-3245	19	4	,	,	PUNCT
fsr-3245	19	5	decision	decision	NOUN
fsr-3245	19	6	makers	maker	NOUN
fsr-3245	19	7	exhibit	exhibit	VERB
fsr-3245	19	8	time	time	NOUN
fsr-3245	19	9	perspective	perspective	NOUN
fsr-3245	19	10	(	(	PUNCT
fsr-3245	19	11	tp	tp	NOUN
fsr-3245	19	12	)	)	PUNCT
fsr-3245	19	13	biases	bias	NOUN
fsr-3245	19	14	by	by	ADP
fsr-3245	19	15	focusing	focus	VERB
fsr-3245	19	16	on	on	ADP
fsr-3245	19	17	the	the	DET
fsr-3245	19	18	past	past	NOUN
fsr-3245	19	19	,	,	PUNCT
fsr-3245	19	20	present	present	ADJ
fsr-3245	19	21	,	,	PUNCT
fsr-3245	19	22	or	or	CCONJ
fsr-3245	19	23	future	future	ADJ
fsr-3245	19	24	features	feature	NOUN
fsr-3245	19	25	of	of	ADP
fsr-3245	19	26	a	a	DET
fsr-3245	19	27	particular	particular	ADJ
fsr-3245	19	28	decision	decision	NOUN
fsr-3245	19	29	(	(	PUNCT
fsr-3245	19	30	d’alessio	d’alessio	NOUN
fsr-3245	19	31	,	,	PUNCT
fsr-3245	19	32	guarino	guarino	NOUN
fsr-3245	19	33	,	,	PUNCT
fsr-3245	19	34	de	de	X
fsr-3245	19	35	pascalis	pascalis	NOUN
fsr-3245	19	36	,	,	PUNCT
fsr-3245	19	37	and	and	CCONJ
fsr-3245	19	38	zimbardo	zimbardo	NOUN
fsr-3245	19	39	,	,	PUNCT
fsr-3245	19	40	2003	2003	NUM
fsr-3245	19	41	;	;	PUNCT
fsr-3245	19	42	nuttin	nuttin	NOUN
fsr-3245	19	43	,	,	PUNCT
fsr-3245	19	44	1985	1985	NUM
fsr-3245	19	45	;	;	PUNCT
fsr-3245	19	46	zimbardo	zimbardo	NOUN
fsr-3245	19	47	and	and	CCONJ
fsr-3245	19	48	boyd	boyd	PROPN
fsr-3245	19	49	,	,	PUNCT
fsr-3245	19	50	1999	1999	NUM
fsr-3245	19	51	)	)	PUNCT
fsr-3245	19	52	.	.	PUNCT
fsr-3245	20	1	individuals	individual	NOUN
fsr-3245	20	2	with	with	ADP
fsr-3245	20	3	a	a	DET
fsr-3245	20	4	strong	strong	ADJ
fsr-3245	20	5	present	present	NOUN
fsr-3245	20	6	tp	tp	PART
fsr-3245	20	7	are	be	AUX
fsr-3245	20	8	more	more	ADV
fsr-3245	20	9	likely	likely	ADJ
fsr-3245	20	10	to	to	PART
fsr-3245	20	11	focus	focus	VERB
fsr-3245	20	12	on	on	ADP
fsr-3245	20	13	short	short	ADJ
fsr-3245	20	14	-	-	PUNCT
fsr-3245	20	15	term	term	NOUN
fsr-3245	20	16	goals	goal	NOUN
fsr-3245	20	17	and	and	CCONJ
fsr-3245	20	18	the	the	DET
fsr-3245	20	19	immediate	immediate	ADJ
fsr-3245	20	20	benefits	benefit	NOUN
fsr-3245	20	21	of	of	ADP
fsr-3245	20	22	current	current	ADJ
fsr-3245	20	23	actions	action	NOUN
fsr-3245	20	24	.	.	PUNCT
fsr-3245	21	1	in	in	ADP
fsr-3245	21	2	contrast	contrast	NOUN
fsr-3245	21	3	,	,	PUNCT
fsr-3245	21	4	people	people	NOUN
fsr-3245	21	5	with	with	ADP
fsr-3245	21	6	a	a	DET
fsr-3245	21	7	strong	strong	ADJ
fsr-3245	21	8	future	future	NOUN
fsr-3245	21	9	tp	tp	NOUN
fsr-3245	21	10	are	be	AUX
fsr-3245	21	11	more	more	ADV
fsr-3245	21	12	likely	likely	ADJ
fsr-3245	21	13	to	to	PART
fsr-3245	21	14	focus	focus	VERB
fsr-3245	21	15	on	on	ADP
fsr-3245	21	16	long	long	ADJ
fsr-3245	21	17	-	-	PUNCT
fsr-3245	21	18	term	term	NOUN
fsr-3245	21	19	goals	goal	NOUN
fsr-3245	21	20	and	and	CCONJ
fsr-3245	21	21	the	the	DET
fsr-3245	21	22	future	future	ADJ
fsr-3245	21	23	consequences	consequence	NOUN
fsr-3245	21	24	of	of	ADP
fsr-3245	21	25	current	current	ADJ
fsr-3245	21	26	actions	action	NOUN
fsr-3245	21	27	.	.	PUNCT
fsr-3245	22	1	the	the	DET
fsr-3245	22	2	tp	tp	PROPN
fsr-3245	22	3	literature	literature	PROPN
fsr-3245	22	4	suggests	suggest	VERB
fsr-3245	22	5	that	that	SCONJ
fsr-3245	22	6	there	there	PRON
fsr-3245	22	7	may	may	AUX
fsr-3245	22	8	be	be	AUX
fsr-3245	22	9	a	a	DET
fsr-3245	22	10	link	link	NOUN
fsr-3245	22	11	between	between	ADP
fsr-3245	22	12	an	an	DET
fsr-3245	22	13	individual	individual	NOUN
fsr-3245	22	14	’s	’s	PART
fsr-3245	22	15	tp	tp	NOUN
fsr-3245	22	16	and	and	CCONJ
fsr-3245	22	17	their	their	PRON
fsr-3245	22	18	career	career	NOUN
fsr-3245	22	19	choice	choice	NOUN
fsr-3245	22	20	whereby	whereby	SCONJ
fsr-3245	22	21	individuals	individual	NOUN
fsr-3245	22	22	working	work	VERB
fsr-3245	22	23	in	in	ADP
fsr-3245	22	24	a	a	DET
fsr-3245	22	25	profession	profession	NOUN
fsr-3245	22	26	that	that	PRON
fsr-3245	22	27	is	be	AUX
fsr-3245	22	28	more	more	ADV
fsr-3245	22	29	future	future	ADJ
fsr-3245	22	30	(	(	PUNCT
fsr-3245	22	31	present	present	ADJ
fsr-3245	22	32	)	)	PUNCT
fsr-3245	22	33	oriented	orient	VERB
fsr-3245	22	34	may	may	AUX
fsr-3245	22	35	exhibit	exhibit	VERB
fsr-3245	22	36	a	a	DET
fsr-3245	22	37	future	future	NOUN
fsr-3245	22	38	(	(	PUNCT
fsr-3245	22	39	present	present	ADJ
fsr-3245	22	40	)	)	PUNCT
fsr-3245	22	41	tp	tp	PART
fsr-3245	22	42	bias	bias	NOUN
fsr-3245	22	43	(	(	PUNCT
fsr-3245	22	44	gonzalez	gonzalez	PROPN
fsr-3245	22	45	and	and	CCONJ
fsr-3245	22	46	zimbardo	zimbardo	PROPN
fsr-3245	22	47	,	,	PUNCT
fsr-3245	22	48	1985	1985	NUM
fsr-3245	22	49	)	)	PUNCT
fsr-3245	22	50	.	.	PUNCT
fsr-3245	23	1	personal	personal	ADJ
fsr-3245	23	2	financial	financial	ADJ
fsr-3245	23	3	planning	planning	NOUN
fsr-3245	23	4	is	be	AUX
fsr-3245	23	5	a	a	DET
fsr-3245	23	6	very	very	ADV
fsr-3245	23	7	forward	forward	ADV
fsr-3245	23	8	oriented	orient	VERB
fsr-3245	23	9	profession	profession	NOUN
fsr-3245	23	10	because	because	SCONJ
fsr-3245	23	11	it	it	PRON
fsr-3245	23	12	focuses	focus	VERB
fsr-3245	23	13	on	on	ADP
fsr-3245	23	14	helping	help	VERB
fsr-3245	23	15	clients	client	NOUN
fsr-3245	23	16	financially	financially	ADV
fsr-3245	23	17	plan	plan	VERB
fsr-3245	23	18	for	for	ADP
fsr-3245	23	19	future	future	ADJ
fsr-3245	23	20	events	event	NOUN
fsr-3245	23	21	in	in	ADP
fsr-3245	23	22	their	their	PRON
fsr-3245	23	23	lives	life	NOUN
fsr-3245	23	24	.	.	PUNCT
fsr-3245	24	1	thus	thus	ADV
fsr-3245	24	2	,	,	PUNCT
fsr-3245	24	3	professional	professional	ADJ
fsr-3245	24	4	financial	financial	ADJ
fsr-3245	24	5	advisors	advisor	NOUN
fsr-3245	24	6	may	may	AUX
fsr-3245	24	7	be	be	AUX
fsr-3245	24	8	future	future	ADV
fsr-3245	24	9	oriented	orient	VERB
fsr-3245	24	10	as	as	ADP
fsr-3245	24	11	a	a	DET
fsr-3245	24	12	group	group	NOUN
fsr-3245	24	13	.	.	PUNCT
fsr-3245	25	1	however	however	ADV
fsr-3245	25	2	,	,	PUNCT
fsr-3245	25	3	the	the	DET
fsr-3245	25	4	profession	profession	NOUN
fsr-3245	25	5	is	be	AUX
fsr-3245	25	6	made	make	VERB
fsr-3245	25	7	up	up	ADP
fsr-3245	25	8	of	of	ADP
fsr-3245	25	9	a	a	DET
fsr-3245	25	10	diverse	diverse	ADJ
fsr-3245	25	11	group	group	NOUN
fsr-3245	25	12	of	of	ADP
fsr-3245	25	13	advisors	advisor	NOUN
fsr-3245	25	14	working	work	VERB
fsr-3245	25	15	in	in	ADP
fsr-3245	25	16	different	different	ADJ
fsr-3245	25	17	types	type	NOUN
fsr-3245	25	18	of	of	ADP
fsr-3245	25	19	firms	firm	NOUN
fsr-3245	25	20	(	(	PUNCT
fsr-3245	25	21	e.g.	e.g.	ADV
fsr-3245	25	22	,	,	PUNCT
fsr-3245	25	23	accounting	accounting	NOUN
fsr-3245	25	24	,	,	PUNCT
fsr-3245	25	25	insurance	insurance	NOUN
fsr-3245	25	26	,	,	PUNCT
fsr-3245	25	27	investment	investment	NOUN
fsr-3245	25	28	,	,	PUNCT
fsr-3245	25	29	etc	etc	X
fsr-3245	25	30	.	.	X
fsr-3245	25	31	)	)	PUNCT
fsr-3245	25	32	,	,	PUNCT
fsr-3245	25	33	including	include	VERB
fsr-3245	25	34	some	some	DET
fsr-3245	25	35	career	career	NOUN
fsr-3245	25	36	changers	changer	NOUN
fsr-3245	25	37	originally	originally	ADV
fsr-3245	25	38	from	from	ADP
fsr-3245	25	39	nonfinancial	nonfinancial	ADJ
fsr-3245	25	40	backgrounds	background	NOUN
fsr-3245	25	41	.	.	PUNCT
fsr-3245	26	1	if	if	SCONJ
fsr-3245	26	2	these	these	DET
fsr-3245	26	3	advisors	advisor	NOUN
fsr-3245	26	4	are	be	AUX
fsr-3245	26	5	not	not	PART
fsr-3245	26	6	uniformly	uniformly	ADV
fsr-3245	26	7	future	future	ADJ
fsr-3245	26	8	oriented	orient	VERB
fsr-3245	26	9	as	as	ADP
fsr-3245	26	10	a	a	DET
fsr-3245	26	11	group	group	NOUN
fsr-3245	26	12	,	,	PUNCT
fsr-3245	26	13	then	then	ADV
fsr-3245	26	14	it	it	PRON
fsr-3245	26	15	is	be	AUX
fsr-3245	26	16	possible	possible	ADJ
fsr-3245	26	17	that	that	SCONJ
fsr-3245	26	18	their	their	PRON
fsr-3245	26	19	tp	tp	NOUN
fsr-3245	26	20	may	may	AUX
fsr-3245	26	21	vary	vary	VERB
fsr-3245	26	22	in	in	ADP
fsr-3245	26	23	accordance	accordance	NOUN
fsr-3245	26	24	with	with	ADP
fsr-3245	26	25	their	their	PRON
fsr-3245	26	26	professional	professional	ADJ
fsr-3245	26	27	background	background	NOUN
fsr-3245	26	28	.	.	PUNCT
fsr-3245	27	1	in	in	ADP
fsr-3245	27	2	either	either	DET
fsr-3245	27	3	case	case	NOUN
fsr-3245	27	4	,	,	PUNCT
fsr-3245	27	5	their	their	PRON
fsr-3245	27	6	tp	tp	NOUN
fsr-3245	27	7	may	may	AUX
fsr-3245	27	8	affect	affect	VERB
fsr-3245	27	9	the	the	DET
fsr-3245	27	10	recommendations	recommendation	NOUN
fsr-3245	27	11	they	they	PRON
fsr-3245	27	12	make	make	VERB
fsr-3245	27	13	to	to	ADP
fsr-3245	27	14	clients	client	NOUN
fsr-3245	27	15	.	.	PUNCT
fsr-3245	28	1	an	an	DET
fsr-3245	28	2	abundance	abundance	NOUN
fsr-3245	28	3	of	of	ADP
fsr-3245	28	4	psychology	psychology	NOUN
fsr-3245	28	5	research	research	NOUN
fsr-3245	28	6	demonstrates	demonstrate	VERB
fsr-3245	28	7	that	that	SCONJ
fsr-3245	28	8	tp	tp	NOUN
fsr-3245	28	9	can	can	AUX
fsr-3245	28	10	affect	affect	VERB
fsr-3245	28	11	decision	decision	NOUN
fsr-3245	28	12	-	-	PUNCT
fsr-3245	28	13	making	making	NOUN
fsr-3245	28	14	in	in	ADP
fsr-3245	28	15	a	a	DET
fsr-3245	28	16	variety	variety	NOUN
fsr-3245	28	17	of	of	ADP
fsr-3245	28	18	personal	personal	ADJ
fsr-3245	28	19	decision	decision	NOUN
fsr-3245	28	20	-	-	PUNCT
fsr-3245	28	21	making	make	VERB
fsr-3245	28	22	contexts	contexts	NOUN
fsr-3245	28	23	,	,	PUNCT
fsr-3245	28	24	including	include	VERB
fsr-3245	28	25	some	some	DET
fsr-3245	28	26	limited	limited	ADJ
fsr-3245	28	27	research	research	NOUN
fsr-3245	28	28	related	relate	VERB
fsr-3245	28	29	to	to	ADP
fsr-3245	28	30	financial	financial	ADJ
fsr-3245	28	31	choices	choice	NOUN
fsr-3245	28	32	.	.	PUNCT
fsr-3245	29	1	personal	personal	ADJ
fsr-3245	29	2	financial	financial	ADJ
fsr-3245	29	3	planning	planning	NOUN
fsr-3245	29	4	(	(	PUNCT
fsr-3245	29	5	pfp	pfp	PROPN
fsr-3245	29	6	)	)	PUNCT
fsr-3245	29	7	provides	provide	VERB
fsr-3245	29	8	an	an	DET
fsr-3245	29	9	appropriate	appropriate	ADJ
fsr-3245	29	10	setting	setting	NOUN
fsr-3245	29	11	to	to	PART
fsr-3245	29	12	study	study	VERB
fsr-3245	29	13	tp	tp	ADP
fsr-3245	29	14	among	among	ADP
fsr-3245	29	15	financial	financial	ADJ
fsr-3245	29	16	professionals	professional	NOUN
fsr-3245	29	17	because	because	SCONJ
fsr-3245	29	18	pfp	pfp	PROPN
fsr-3245	29	19	decisions	decision	NOUN
fsr-3245	29	20	naturally	naturally	ADV
fsr-3245	29	21	involve	involve	VERB
fsr-3245	29	22	trade	trade	NOUN
fsr-3245	29	23	-	-	PUNCT
fsr-3245	29	24	offs	off	NOUN
fsr-3245	29	25	between	between	ADP
fsr-3245	29	26	more	more	ADJ
fsr-3245	29	27	future	future	ADJ
fsr-3245	29	28	oriented	orient	VERB
fsr-3245	29	29	and	and	CCONJ
fsr-3245	29	30	more	more	ADV
fsr-3245	29	31	present	present	ADJ
fsr-3245	29	32	oriented	orient	VERB
fsr-3245	29	33	options	option	NOUN
fsr-3245	29	34	.	.	PUNCT
fsr-3245	30	1	the	the	DET
fsr-3245	30	2	results	result	NOUN
fsr-3245	30	3	of	of	ADP
fsr-3245	30	4	prior	prior	ADJ
fsr-3245	30	5	research	research	NOUN
fsr-3245	30	6	suggest	suggest	VERB
fsr-3245	30	7	tp	tp	NOUN
fsr-3245	30	8	will	will	AUX
fsr-3245	30	9	affect	affect	VERB
fsr-3245	30	10	pfp	pfp	PROPN
fsr-3245	30	11	decisions	decision	NOUN
fsr-3245	30	12	.	.	PUNCT
fsr-3245	31	1	however	however	ADV
fsr-3245	31	2	,	,	PUNCT
fsr-3245	31	3	there	there	PRON
fsr-3245	31	4	is	be	VERB
fsr-3245	31	5	a	a	DET
fsr-3245	31	6	lack	lack	NOUN
fsr-3245	31	7	of	of	ADP
fsr-3245	31	8	research	research	NOUN
fsr-3245	31	9	examining	examine	VERB
fsr-3245	31	10	the	the	DET
fsr-3245	31	11	impact	impact	NOUN
fsr-3245	31	12	of	of	ADP
fsr-3245	31	13	tp	tp	NOUN
fsr-3245	31	14	on	on	ADP
fsr-3245	31	15	professional	professional	ADJ
fsr-3245	31	16	decision	decision	NOUN
fsr-3245	31	17	-	-	PUNCT
fsr-3245	31	18	making	making	NOUN
fsr-3245	31	19	and	and	CCONJ
fsr-3245	31	20	other	other	ADJ
fsr-3245	31	21	psychological	psychological	ADJ
fsr-3245	31	22	research	research	NOUN
fsr-3245	31	23	suggests	suggest	VERB
fsr-3245	31	24	its	its	PRON
fsr-3245	31	25	impact	impact	NOUN
fsr-3245	31	26	may	may	AUX
fsr-3245	31	27	be	be	AUX
fsr-3245	31	28	mitigated	mitigate	VERB
fsr-3245	31	29	in	in	ADP
fsr-3245	31	30	a	a	DET
fsr-3245	31	31	professional	professional	ADJ
fsr-3245	31	32	decision	decision	NOUN
fsr-3245	31	33	-	-	PUNCT
fsr-3245	31	34	making	make	VERB
fsr-3245	31	35	context	context	NOUN
fsr-3245	31	36	.	.	PUNCT
fsr-3245	32	1	according	accord	VERB
fsr-3245	32	2	to	to	ADP
fsr-3245	32	3	that	that	DET
fsr-3245	32	4	research	research	NOUN
fsr-3245	32	5	,	,	PUNCT
fsr-3245	32	6	individual	individual	ADJ
fsr-3245	32	7	characteristics	characteristic	NOUN
fsr-3245	32	8	may	may	AUX
fsr-3245	32	9	be	be	AUX
fsr-3245	32	10	less	less	ADV
fsr-3245	32	11	important	important	ADJ
fsr-3245	32	12	than	than	SCONJ
fsr-3245	32	13	task	task	NOUN
fsr-3245	32	14	characteristics	characteristic	NOUN
fsr-3245	32	15	in	in	ADP
fsr-3245	32	16	complex	complex	ADJ
fsr-3245	32	17	decision	decision	NOUN
fsr-3245	32	18	scenarios	scenario	NOUN
fsr-3245	32	19	(	(	PUNCT
fsr-3245	32	20	e.g.	e.g.	ADV
fsr-3245	32	21	,	,	PUNCT
fsr-3245	32	22	beach	beach	NOUN
fsr-3245	32	23	and	and	CCONJ
fsr-3245	32	24	mitchell	mitchell	PROPN
fsr-3245	32	25	,	,	PUNCT
fsr-3245	32	26	1978	1978	NUM
fsr-3245	32	27	;	;	PUNCT
fsr-3245	32	28	chervany	chervany	NOUN
fsr-3245	32	29	and	and	CCONJ
fsr-3245	32	30	dickson	dickson	PROPN
fsr-3245	32	31	,	,	PUNCT
fsr-3245	32	32	1978	1978	NUM
fsr-3245	32	33	;	;	PUNCT
fsr-3245	32	34	huber	huber	PROPN
fsr-3245	32	35	,	,	PUNCT
fsr-3245	32	36	1983	1983	NUM
fsr-3245	32	37	;	;	PUNCT
fsr-3245	32	38	payne	payne	PROPN
fsr-3245	32	39	,	,	PUNCT
fsr-3245	32	40	1982	1982	NUM
fsr-3245	32	41	;	;	PUNCT
fsr-3245	32	42	payne	payne	PROPN
fsr-3245	32	43	,	,	PUNCT
fsr-3245	32	44	bettman	bettman	PROPN
fsr-3245	32	45	,	,	PUNCT
fsr-3245	32	46	and	and	CCONJ
fsr-3245	32	47	johnson	johnson	PROPN
fsr-3245	32	48	,	,	PUNCT
fsr-3245	32	49	1992	1992	NUM
fsr-3245	32	50	)	)	PUNCT
fsr-3245	32	51	,	,	PUNCT
fsr-3245	32	52	and	and	CCONJ
fsr-3245	32	53	the	the	DET
fsr-3245	32	54	impact	impact	NOUN
fsr-3245	32	55	of	of	ADP
fsr-3245	32	56	psychological	psychological	ADJ
fsr-3245	32	57	biases	bias	NOUN
fsr-3245	32	58	is	be	AUX
fsr-3245	32	59	lessened	lessen	VERB
fsr-3245	32	60	when	when	SCONJ
fsr-3245	32	61	professional	professional	ADJ
fsr-3245	32	62	decision	decision	NOUN
fsr-3245	32	63	makers	maker	NOUN
fsr-3245	32	64	perform	perform	VERB
fsr-3245	32	65	job	job	NOUN
fsr-3245	32	66	-	-	PUNCT
fsr-3245	32	67	related	relate	VERB
fsr-3245	32	68	tasks	task	NOUN
fsr-3245	32	69	(	(	PUNCT
fsr-3245	32	70	see	see	VERB
fsr-3245	32	71	smith	smith	PROPN
fsr-3245	32	72	and	and	CCONJ
fsr-3245	32	73	kida	kida	PROPN
fsr-3245	32	74	,	,	PUNCT
fsr-3245	32	75	1991	1991	NUM
fsr-3245	32	76	,	,	PUNCT
fsr-3245	32	77	for	for	ADP
fsr-3245	32	78	a	a	DET
fsr-3245	32	79	review	review	NOUN
fsr-3245	32	80	)	)	PUNCT
fsr-3245	32	81	.	.	PUNCT
fsr-3245	33	1	thus	thus	ADV
fsr-3245	33	2	,	,	PUNCT
fsr-3245	33	3	tp	tp	NOUN
fsr-3245	33	4	may	may	AUX
fsr-3245	33	5	not	not	PART
fsr-3245	33	6	be	be	AUX
fsr-3245	33	7	as	as	ADV
fsr-3245	33	8	influential	influential	ADJ
fsr-3245	33	9	in	in	ADP
fsr-3245	33	10	professional	professional	ADJ
fsr-3245	33	11	decision	decision	NOUN
fsr-3245	33	12	-	-	PUNCT
fsr-3245	33	13	making	make	VERB
fsr-3245	33	14	contexts	context	NOUN
fsr-3245	33	15	as	as	ADP
fsr-3245	33	16	in	in	ADP
fsr-3245	33	17	personal	personal	ADJ
fsr-3245	33	18	contexts	contexts	NOUN
fsr-3245	33	19	.	.	PUNCT
fsr-3245	34	1	however	however	ADV
fsr-3245	34	2	,	,	PUNCT
fsr-3245	34	3	if	if	SCONJ
fsr-3245	34	4	individual	individual	ADJ
fsr-3245	34	5	tp	tp	NOUN
fsr-3245	34	6	biases	bias	NOUN
fsr-3245	34	7	do	do	AUX
fsr-3245	34	8	impact	impact	VERB
fsr-3245	34	9	professional	professional	ADJ
fsr-3245	34	10	decision	decision	NOUN
fsr-3245	34	11	-	-	PUNCT
fsr-3245	34	12	making	making	NOUN
fsr-3245	34	13	,	,	PUNCT
fsr-3245	34	14	then	then	ADV
fsr-3245	34	15	dysfunctional	dysfunctional	ADJ
fsr-3245	34	16	consequences	consequence	NOUN
fsr-3245	34	17	may	may	AUX
fsr-3245	34	18	arise	arise	VERB
fsr-3245	34	19	.	.	PUNCT
fsr-3245	35	1	for	for	ADP
fsr-3245	35	2	example	example	NOUN
fsr-3245	35	3	,	,	PUNCT
fsr-3245	35	4	if	if	SCONJ
fsr-3245	35	5	a	a	DET
fsr-3245	35	6	financial	financial	ADJ
fsr-3245	35	7	planner	planner	NOUN
fsr-3245	35	8	is	be	AUX
fsr-3245	35	9	biased	bias	VERB
fsr-3245	35	10	toward	toward	ADP
fsr-3245	35	11	recommending	recommend	VERB
fsr-3245	35	12	a	a	DET
fsr-3245	35	13	more	more	ADV
fsr-3245	35	14	future	future	ADJ
fsr-3245	35	15	oriented	orient	VERB
fsr-3245	35	16	strategy	strategy	NOUN
fsr-3245	35	17	because	because	SCONJ
fsr-3245	35	18	the	the	DET
fsr-3245	35	19	advisor	advisor	NOUN
fsr-3245	35	20	has	have	VERB
fsr-3245	35	21	a	a	DET
fsr-3245	35	22	strong	strong	ADJ
fsr-3245	35	23	future	future	ADJ
fsr-3245	35	24	tp	tp	NOUN
fsr-3245	35	25	,	,	PUNCT
fsr-3245	35	26	then	then	ADV
fsr-3245	35	27	he	he	PRON
fsr-3245	35	28	or	or	CCONJ
fsr-3245	35	29	she	she	PRON
fsr-3245	35	30	may	may	AUX
fsr-3245	35	31	not	not	PART
fsr-3245	35	32	be	be	AUX
fsr-3245	35	33	effective	effective	ADJ
fsr-3245	35	34	in	in	ADP
fsr-3245	35	35	helping	help	VERB
fsr-3245	35	36	clients	client	NOUN
fsr-3245	35	37	achieve	achieve	VERB
fsr-3245	35	38	important	important	ADJ
fsr-3245	35	39	shorter	short	ADJ
fsr-3245	35	40	term	term	NOUN
fsr-3245	35	41	financial	financial	ADJ
fsr-3245	35	42	goals	goal	NOUN
fsr-3245	35	43	.	.	PUNCT
fsr-3245	36	1	i	i	PRON
fsr-3245	36	2	investigate	investigate	VERB
fsr-3245	36	3	the	the	DET
fsr-3245	36	4	tp	tp	NOUN
fsr-3245	36	5	biases	bias	NOUN
fsr-3245	36	6	that	that	PRON
fsr-3245	36	7	exist	exist	VERB
fsr-3245	36	8	among	among	ADP
fsr-3245	36	9	professional	professional	ADJ
fsr-3245	36	10	financial	financial	ADJ
fsr-3245	36	11	planners	planner	NOUN
fsr-3245	36	12	,	,	PUNCT
fsr-3245	36	13	whether	whether	SCONJ
fsr-3245	36	14	there	there	PRON
fsr-3245	36	15	is	be	VERB
fsr-3245	36	16	a	a	DET
fsr-3245	36	17	relationship	relationship	NOUN
fsr-3245	36	18	between	between	ADP
fsr-3245	36	19	their	their	PRON
fsr-3245	36	20	professional	professional	ADJ
fsr-3245	36	21	background	background	NOUN
fsr-3245	36	22	(	(	PUNCT
fsr-3245	36	23	e.g.	e.g.	ADV
fsr-3245	36	24	,	,	PUNCT
fsr-3245	36	25	accounting	accounting	NOUN
fsr-3245	36	26	,	,	PUNCT
fsr-3245	36	27	insurance	insurance	NOUN
fsr-3245	36	28	,	,	PUNCT
fsr-3245	36	29	securities	security	NOUN
fsr-3245	36	30	,	,	PUNCT
fsr-3245	36	31	etc	etc	X
fsr-3245	36	32	.	.	X
fsr-3245	36	33	)	)	PUNCT
fsr-3245	36	34	and	and	CCONJ
fsr-3245	36	35	their	their	PRON
fsr-3245	36	36	tp	tp	NOUN
fsr-3245	36	37	,	,	PUNCT
fsr-3245	36	38	and	and	CCONJ
fsr-3245	36	39	the	the	DET
fsr-3245	36	40	extent	extent	NOUN
fsr-3245	36	41	to	to	PART
fsr-3245	36	42	which	which	PRON
fsr-3245	36	43	tp	tp	NOUN
fsr-3245	36	44	biases	bias	NOUN
fsr-3245	36	45	impact	impact	VERB
fsr-3245	36	46	the	the	DET
fsr-3245	36	47	recommendations	recommendation	NOUN
fsr-3245	36	48	they	they	PRON
fsr-3245	36	49	388	388	NUM
fsr-3245	36	50	k.n	k.n	X
fsr-3245	36	51	.	.	PROPN
fsr-3245	36	52	ryack	ryack	PROPN
fsr-3245	36	53	/	/	SYM
fsr-3245	36	54	financial	financial	ADJ
fsr-3245	36	55	services	service	NOUN
fsr-3245	36	56	review	review	VERB
fsr-3245	36	57	24	24	NUM
fsr-3245	36	58	(	(	PUNCT
fsr-3245	36	59	2015	2015	NUM
fsr-3245	36	60	)	)	PUNCT
fsr-3245	36	61	387–410	387–410	NUM
fsr-3245	36	62	make	make	VERB
fsr-3245	36	63	to	to	ADP
fsr-3245	36	64	clients	client	NOUN
fsr-3245	36	65	.	.	PUNCT
fsr-3245	37	1	while	while	SCONJ
fsr-3245	37	2	there	there	PRON
fsr-3245	37	3	are	be	VERB
fsr-3245	37	4	some	some	DET
fsr-3245	37	5	limited	limited	ADJ
fsr-3245	37	6	exceptions	exception	NOUN
fsr-3245	37	7	,	,	PUNCT
fsr-3245	37	8	the	the	DET
fsr-3245	37	9	results	result	NOUN
fsr-3245	37	10	generally	generally	ADV
fsr-3245	37	11	show	show	VERB
fsr-3245	37	12	that	that	SCONJ
fsr-3245	37	13	the	the	DET
fsr-3245	37	14	financial	financial	ADJ
fsr-3245	37	15	advisors	advisor	NOUN
fsr-3245	37	16	are	be	AUX
fsr-3245	37	17	future	future	ADV
fsr-3245	37	18	oriented	orient	VERB
fsr-3245	37	19	as	as	ADP
fsr-3245	37	20	a	a	DET
fsr-3245	37	21	group	group	NOUN
fsr-3245	37	22	,	,	PUNCT
fsr-3245	37	23	there	there	PRON
fsr-3245	37	24	is	be	VERB
fsr-3245	37	25	no	no	DET
fsr-3245	37	26	significant	significant	ADJ
fsr-3245	37	27	relationship	relationship	NOUN
fsr-3245	37	28	between	between	ADP
fsr-3245	37	29	their	their	PRON
fsr-3245	37	30	professional	professional	ADJ
fsr-3245	37	31	background	background	NOUN
fsr-3245	37	32	and	and	CCONJ
fsr-3245	37	33	their	their	PRON
fsr-3245	37	34	tp	tp	NOUN
fsr-3245	37	35	,	,	PUNCT
fsr-3245	37	36	and	and	CCONJ
fsr-3245	37	37	there	there	PRON
fsr-3245	37	38	is	be	VERB
fsr-3245	37	39	no	no	DET
fsr-3245	37	40	significant	significant	ADJ
fsr-3245	37	41	relationship	relationship	NOUN
fsr-3245	37	42	between	between	ADP
fsr-3245	37	43	their	their	PRON
fsr-3245	37	44	tp	tp	NOUN
fsr-3245	37	45	and	and	CCONJ
fsr-3245	37	46	the	the	DET
fsr-3245	37	47	recommendations	recommendation	NOUN
fsr-3245	37	48	they	they	PRON
fsr-3245	37	49	make	make	VERB
fsr-3245	37	50	to	to	ADP
fsr-3245	37	51	clients	client	NOUN
fsr-3245	37	52	.	.	PUNCT
fsr-3245	38	1	the	the	DET
fsr-3245	38	2	next	next	ADJ
fsr-3245	38	3	section	section	NOUN
fsr-3245	38	4	presents	present	VERB
fsr-3245	38	5	a	a	DET
fsr-3245	38	6	literature	literature	NOUN
fsr-3245	38	7	review	review	NOUN
fsr-3245	38	8	and	and	CCONJ
fsr-3245	38	9	hypotheses	hypothesis	NOUN
fsr-3245	38	10	followed	follow	VERB
fsr-3245	38	11	by	by	ADP
fsr-3245	38	12	the	the	DET
fsr-3245	38	13	method	method	NOUN
fsr-3245	38	14	section	section	NOUN
fsr-3245	38	15	,	,	PUNCT
fsr-3245	38	16	a	a	DET
fsr-3245	38	17	discussion	discussion	NOUN
fsr-3245	38	18	of	of	ADP
fsr-3245	38	19	the	the	DET
fsr-3245	38	20	results	result	NOUN
fsr-3245	38	21	,	,	PUNCT
fsr-3245	38	22	and	and	CCONJ
fsr-3245	38	23	concluding	conclude	VERB
fsr-3245	38	24	remarks	remark	NOUN
fsr-3245	38	25	.	.	PUNCT
fsr-3245	39	1	2	2	X
fsr-3245	39	2	.	.	X
fsr-3245	39	3	literature	literature	NOUN
fsr-3245	39	4	review	review	PROPN
fsr-3245	39	5	and	and	CCONJ
fsr-3245	39	6	hypotheses	hypothese	VERB
fsr-3245	39	7	2.1	2.1	NUM
fsr-3245	39	8	.	.	PUNCT
fsr-3245	40	1	impact	impact	NOUN
fsr-3245	40	2	of	of	ADP
fsr-3245	40	3	tp	tp	NOUN
fsr-3245	40	4	on	on	ADP
fsr-3245	40	5	behavior	behavior	NOUN
fsr-3245	40	6	psychological	psychological	ADJ
fsr-3245	40	7	theory	theory	NOUN
fsr-3245	40	8	suggests	suggest	VERB
fsr-3245	40	9	individuals	individual	NOUN
fsr-3245	40	10	develop	develop	VERB
fsr-3245	40	11	time	time	NOUN
fsr-3245	40	12	perspectives	perspective	NOUN
fsr-3245	40	13	from	from	ADP
fsr-3245	40	14	cognitive	cognitive	ADJ
fsr-3245	40	15	processes	process	NOUN
fsr-3245	40	16	that	that	PRON
fsr-3245	40	17	partition	partition	NOUN
fsr-3245	40	18	experiences	experience	NOUN
fsr-3245	40	19	into	into	ADP
fsr-3245	40	20	past	past	NOUN
fsr-3245	40	21	,	,	PUNCT
fsr-3245	40	22	present	present	ADJ
fsr-3245	40	23	,	,	PUNCT
fsr-3245	40	24	and	and	CCONJ
fsr-3245	40	25	future	future	ADJ
fsr-3245	40	26	temporal	temporal	ADJ
fsr-3245	40	27	frames	frame	NOUN
fsr-3245	40	28	(	(	PUNCT
fsr-3245	40	29	d’alessio	d’alessio	PROPN
fsr-3245	40	30	et	et	PROPN
fsr-3245	40	31	al	al	PROPN
fsr-3245	40	32	.	.	PROPN
fsr-3245	40	33	,	,	PUNCT
fsr-3245	40	34	2003	2003	NUM
fsr-3245	40	35	;	;	PUNCT
fsr-3245	40	36	nuttin	nuttin	NOUN
fsr-3245	40	37	,	,	PUNCT
fsr-3245	40	38	1985	1985	NUM
fsr-3245	40	39	;	;	PUNCT
fsr-3245	40	40	zimbardo	zimbardo	NOUN
fsr-3245	40	41	and	and	CCONJ
fsr-3245	40	42	boyd	boyd	PROPN
fsr-3245	40	43	,	,	PUNCT
fsr-3245	40	44	1999	1999	NUM
fsr-3245	40	45	)	)	PUNCT
fsr-3245	40	46	.	.	PUNCT
fsr-3245	41	1	when	when	SCONJ
fsr-3245	41	2	a	a	DET
fsr-3245	41	3	strong	strong	ADJ
fsr-3245	41	4	orientation	orientation	NOUN
fsr-3245	41	5	toward	toward	ADP
fsr-3245	41	6	one	one	NUM
fsr-3245	41	7	of	of	ADP
fsr-3245	41	8	these	these	DET
fsr-3245	41	9	time	time	NOUN
fsr-3245	41	10	frames	frame	NOUN
fsr-3245	41	11	exists	exist	VERB
fsr-3245	41	12	,	,	PUNCT
fsr-3245	41	13	it	it	PRON
fsr-3245	41	14	serves	serve	VERB
fsr-3245	41	15	as	as	ADP
fsr-3245	41	16	a	a	DET
fsr-3245	41	17	cognitive	cognitive	ADJ
fsr-3245	41	18	bias	bias	NOUN
fsr-3245	41	19	or	or	CCONJ
fsr-3245	41	20	an	an	DET
fsr-3245	41	21	individual	individual	ADJ
fsr-3245	41	22	-	-	PUNCT
fsr-3245	41	23	differences	difference	NOUN
fsr-3245	41	24	variable	variable	NOUN
fsr-3245	41	25	that	that	PRON
fsr-3245	41	26	affects	affect	VERB
fsr-3245	41	27	judgment	judgment	NOUN
fsr-3245	41	28	and	and	CCONJ
fsr-3245	41	29	decision	decision	NOUN
fsr-3245	41	30	-	-	PUNCT
fsr-3245	41	31	making	make	VERB
fsr-3245	41	32	(	(	PUNCT
fsr-3245	41	33	zimbardo	zimbardo	NOUN
fsr-3245	41	34	&	&	CCONJ
fsr-3245	41	35	boyd	boyd	PROPN
fsr-3245	41	36	,	,	PUNCT
fsr-3245	41	37	1999	1999	NUM
fsr-3245	41	38	)	)	PUNCT
fsr-3245	41	39	.	.	PUNCT
fsr-3245	42	1	this	this	DET
fsr-3245	42	2	bias	bias	NOUN
fsr-3245	42	3	is	be	AUX
fsr-3245	42	4	generally	generally	ADV
fsr-3245	42	5	referred	refer	VERB
fsr-3245	42	6	to	to	ADP
fsr-3245	42	7	in	in	ADP
fsr-3245	42	8	the	the	DET
fsr-3245	42	9	literature	literature	NOUN
fsr-3245	42	10	as	as	ADP
fsr-3245	42	11	“	"	PUNCT
fsr-3245	42	12	time	time	NOUN
fsr-3245	42	13	perspective	perspective	NOUN
fsr-3245	42	14	”	"	PUNCT
fsr-3245	42	15	or	or	CCONJ
fsr-3245	42	16	“	"	PUNCT
fsr-3245	42	17	time	time	NOUN
fsr-3245	42	18	orientation	orientation	NOUN
fsr-3245	42	19	.	.	PUNCT
fsr-3245	42	20	”	"	PUNCT
fsr-3245	43	1	an	an	DET
fsr-3245	43	2	individual	individual	NOUN
fsr-3245	43	3	with	with	ADP
fsr-3245	43	4	a	a	DET
fsr-3245	43	5	strong	strong	ADJ
fsr-3245	43	6	present	present	ADJ
fsr-3245	43	7	orientation	orientation	NOUN
fsr-3245	43	8	will	will	AUX
fsr-3245	43	9	tend	tend	VERB
fsr-3245	43	10	to	to	PART
fsr-3245	43	11	focus	focus	VERB
fsr-3245	43	12	on	on	ADP
fsr-3245	43	13	more	more	ADJ
fsr-3245	43	14	current	current	ADJ
fsr-3245	43	15	features	feature	NOUN
fsr-3245	43	16	of	of	ADP
fsr-3245	43	17	decision	decision	NOUN
fsr-3245	43	18	alternatives	alternative	NOUN
fsr-3245	43	19	,	,	PUNCT
fsr-3245	43	20	such	such	ADJ
fsr-3245	43	21	as	as	ADP
fsr-3245	43	22	their	their	PRON
fsr-3245	43	23	convenience	convenience	NOUN
fsr-3245	43	24	and	and	CCONJ
fsr-3245	43	25	the	the	DET
fsr-3245	43	26	immediate	immediate	ADJ
fsr-3245	43	27	benefits	benefit	NOUN
fsr-3245	43	28	they	they	PRON
fsr-3245	43	29	provide	provide	VERB
fsr-3245	43	30	(	(	PUNCT
fsr-3245	43	31	strathman	strathman	ADJ
fsr-3245	43	32	,	,	PUNCT
fsr-3245	43	33	gleicher	gleicher	NOUN
fsr-3245	43	34	,	,	PUNCT
fsr-3245	43	35	boninger	boninger	NOUN
fsr-3245	43	36	,	,	PUNCT
fsr-3245	43	37	and	and	CCONJ
fsr-3245	43	38	edwards	edwards	PROPN
fsr-3245	43	39	,	,	PUNCT
fsr-3245	43	40	1994	1994	NUM
fsr-3245	43	41	;	;	PUNCT
fsr-3245	43	42	zimbardo	zimbardo	NOUN
fsr-3245	43	43	and	and	CCONJ
fsr-3245	43	44	boyd	boyd	PROPN
fsr-3245	43	45	,	,	PUNCT
fsr-3245	43	46	1999	1999	NUM
fsr-3245	43	47	)	)	PUNCT
fsr-3245	43	48	.	.	PUNCT
fsr-3245	44	1	in	in	ADP
fsr-3245	44	2	contrast	contrast	NOUN
fsr-3245	44	3	,	,	PUNCT
fsr-3245	44	4	a	a	DET
fsr-3245	44	5	person	person	NOUN
fsr-3245	44	6	with	with	ADP
fsr-3245	44	7	a	a	DET
fsr-3245	44	8	strong	strong	ADJ
fsr-3245	44	9	future	future	NOUN
fsr-3245	44	10	tp	tp	NOUN
fsr-3245	44	11	focuses	focus	VERB
fsr-3245	44	12	more	more	ADJ
fsr-3245	44	13	on	on	ADP
fsr-3245	44	14	potential	potential	ADJ
fsr-3245	44	15	long	long	ADJ
fsr-3245	44	16	-	-	PUNCT
fsr-3245	44	17	term	term	NOUN
fsr-3245	44	18	outcomes	outcome	NOUN
fsr-3245	44	19	and	and	CCONJ
fsr-3245	44	20	is	be	AUX
fsr-3245	44	21	willing	willing	ADJ
fsr-3245	44	22	to	to	PART
fsr-3245	44	23	sacrifice	sacrifice	VERB
fsr-3245	44	24	current	current	ADJ
fsr-3245	44	25	rewards	reward	NOUN
fsr-3245	44	26	in	in	ADP
fsr-3245	44	27	order	order	NOUN
fsr-3245	44	28	to	to	PART
fsr-3245	44	29	obtain	obtain	VERB
fsr-3245	44	30	some	some	DET
fsr-3245	44	31	desirable	desirable	ADJ
fsr-3245	44	32	future	future	ADJ
fsr-3245	44	33	state	state	NOUN
fsr-3245	44	34	(	(	PUNCT
fsr-3245	44	35	boniwell	boniwell	NOUN
fsr-3245	44	36	and	and	CCONJ
fsr-3245	44	37	zimbardo	zimbardo	PROPN
fsr-3245	44	38	,	,	PUNCT
fsr-3245	44	39	2004	2004	NUM
fsr-3245	44	40	;	;	PUNCT
fsr-3245	44	41	strathman	strathman	PROPN
fsr-3245	44	42	et	et	PROPN
fsr-3245	44	43	al	al	PROPN
fsr-3245	44	44	.	.	PROPN
fsr-3245	44	45	,	,	PUNCT
fsr-3245	44	46	1994	1994	NUM
fsr-3245	44	47	;	;	PUNCT
fsr-3245	44	48	trommsdorff	trommsdorff	NOUN
fsr-3245	44	49	,	,	PUNCT
fsr-3245	44	50	1983	1983	NUM
fsr-3245	44	51	;	;	PUNCT
fsr-3245	44	52	zimbardo	zimbardo	NOUN
fsr-3245	44	53	and	and	CCONJ
fsr-3245	44	54	boyd	boyd	PROPN
fsr-3245	44	55	,	,	PUNCT
fsr-3245	44	56	1999	1999	NUM
fsr-3245	44	57	)	)	PUNCT
fsr-3245	44	58	.	.	PUNCT
fsr-3245	45	1	numerous	numerous	ADJ
fsr-3245	45	2	studies	study	NOUN
fsr-3245	45	3	have	have	AUX
fsr-3245	45	4	found	find	VERB
fsr-3245	45	5	significant	significant	ADJ
fsr-3245	45	6	relationships	relationship	NOUN
fsr-3245	45	7	between	between	ADP
fsr-3245	45	8	tp	tp	NOUN
fsr-3245	45	9	and	and	CCONJ
fsr-3245	45	10	behavior	behavior	NOUN
fsr-3245	45	11	in	in	ADP
fsr-3245	45	12	a	a	DET
fsr-3245	45	13	variety	variety	NOUN
fsr-3245	45	14	of	of	ADP
fsr-3245	45	15	situations	situation	NOUN
fsr-3245	45	16	.	.	PUNCT
fsr-3245	46	1	for	for	ADP
fsr-3245	46	2	example	example	NOUN
fsr-3245	46	3	,	,	PUNCT
fsr-3245	46	4	research	research	NOUN
fsr-3245	46	5	has	have	AUX
fsr-3245	46	6	demonstrated	demonstrate	VERB
fsr-3245	46	7	that	that	SCONJ
fsr-3245	46	8	higher	high	ADJ
fsr-3245	46	9	levels	level	NOUN
fsr-3245	46	10	of	of	ADP
fsr-3245	46	11	alcohol	alcohol	NOUN
fsr-3245	46	12	,	,	PUNCT
fsr-3245	46	13	drug	drug	NOUN
fsr-3245	46	14	,	,	PUNCT
fsr-3245	46	15	and	and	CCONJ
fsr-3245	46	16	cigarette	cigarette	NOUN
fsr-3245	46	17	consumption	consumption	NOUN
fsr-3245	46	18	are	be	AUX
fsr-3245	46	19	predicted	predict	VERB
fsr-3245	46	20	by	by	ADP
fsr-3245	46	21	a	a	DET
fsr-3245	46	22	stronger	strong	ADJ
fsr-3245	46	23	present	present	ADJ
fsr-3245	46	24	orientation	orientation	NOUN
fsr-3245	46	25	,	,	PUNCT
fsr-3245	46	26	while	while	SCONJ
fsr-3245	46	27	lower	low	ADJ
fsr-3245	46	28	levels	level	NOUN
fsr-3245	46	29	of	of	ADP
fsr-3245	46	30	substance	substance	NOUN
fsr-3245	46	31	usage	usage	NOUN
fsr-3245	46	32	are	be	AUX
fsr-3245	46	33	predicted	predict	VERB
fsr-3245	46	34	by	by	ADP
fsr-3245	46	35	a	a	DET
fsr-3245	46	36	stronger	strong	ADJ
fsr-3245	46	37	future	future	ADJ
fsr-3245	46	38	orientation	orientation	NOUN
fsr-3245	46	39	(	(	PUNCT
fsr-3245	46	40	e.g.	e.g.	ADV
fsr-3245	46	41	,	,	PUNCT
fsr-3245	46	42	henson	henson	PROPN
fsr-3245	46	43	,	,	PUNCT
fsr-3245	46	44	carey	carey	PROPN
fsr-3245	46	45	,	,	PUNCT
fsr-3245	46	46	carey	carey	PROPN
fsr-3245	46	47	,	,	PUNCT
fsr-3245	46	48	and	and	CCONJ
fsr-3245	46	49	maisto	maisto	NOUN
fsr-3245	46	50	,	,	PUNCT
fsr-3245	46	51	2006	2006	NUM
fsr-3245	46	52	;	;	PUNCT
fsr-3245	46	53	keough	keough	PROPN
fsr-3245	46	54	,	,	PUNCT
fsr-3245	46	55	zimbardo	zimbardo	PROPN
fsr-3245	46	56	,	,	PUNCT
fsr-3245	46	57	and	and	CCONJ
fsr-3245	46	58	boyd	boyd	PROPN
fsr-3245	46	59	,	,	PUNCT
fsr-3245	46	60	1999	1999	NUM
fsr-3245	46	61	)	)	PUNCT
fsr-3245	46	62	.	.	PUNCT
fsr-3245	47	1	studies	study	NOUN
fsr-3245	47	2	have	have	AUX
fsr-3245	47	3	also	also	ADV
fsr-3245	47	4	found	find	VERB
fsr-3245	47	5	a	a	DET
fsr-3245	47	6	similar	similar	ADJ
fsr-3245	47	7	type	type	NOUN
fsr-3245	47	8	of	of	ADP
fsr-3245	47	9	relationship	relationship	NOUN
fsr-3245	47	10	between	between	ADP
fsr-3245	47	11	tp	tp	NOUN
fsr-3245	47	12	and	and	CCONJ
fsr-3245	47	13	other	other	ADJ
fsr-3245	47	14	socially	socially	ADV
fsr-3245	47	15	unacceptable	unacceptable	ADJ
fsr-3245	47	16	behaviors	behavior	NOUN
fsr-3245	47	17	,	,	PUNCT
fsr-3245	47	18	such	such	ADJ
fsr-3245	47	19	as	as	ADP
fsr-3245	47	20	youth	youth	NOUN
fsr-3245	47	21	delinquency	delinquency	NOUN
fsr-3245	47	22	(	(	PUNCT
fsr-3245	47	23	e.g.	e.g.	ADV
fsr-3245	47	24	,	,	PUNCT
fsr-3245	47	25	cauffman	cauffman	PROPN
fsr-3245	47	26	,	,	PUNCT
fsr-3245	47	27	steinberg	steinberg	PROPN
fsr-3245	47	28	,	,	PUNCT
fsr-3245	47	29	and	and	CCONJ
fsr-3245	47	30	piquero	piquero	NOUN
fsr-3245	47	31	,	,	PUNCT
fsr-3245	47	32	2005	2005	NUM
fsr-3245	47	33	;	;	PUNCT
fsr-3245	47	34	modecki	modecki	PROPN
fsr-3245	47	35	,	,	PUNCT
fsr-3245	47	36	2008	2008	NUM
fsr-3245	47	37	)	)	PUNCT
fsr-3245	47	38	,	,	PUNCT
fsr-3245	47	39	risky	risky	ADJ
fsr-3245	47	40	driving	driving	NOUN
fsr-3245	47	41	(	(	PUNCT
fsr-3245	47	42	e.g.	e.g.	ADV
fsr-3245	47	43	,	,	PUNCT
fsr-3245	47	44	zimbardo	zimbardo	PROPN
fsr-3245	47	45	,	,	PUNCT
fsr-3245	47	46	keough	keough	PROPN
fsr-3245	47	47	,	,	PUNCT
fsr-3245	47	48	and	and	CCONJ
fsr-3245	47	49	boyd	boyd	PROPN
fsr-3245	47	50	,	,	PUNCT
fsr-3245	47	51	1997	1997	NUM
fsr-3245	47	52	)	)	PUNCT
fsr-3245	47	53	,	,	PUNCT
fsr-3245	47	54	risky	risky	ADJ
fsr-3245	47	55	sexual	sexual	ADJ
fsr-3245	47	56	practices	practice	NOUN
fsr-3245	47	57	(	(	PUNCT
fsr-3245	47	58	e.g.	e.g.	ADV
fsr-3245	47	59	,	,	PUNCT
fsr-3245	47	60	dorr	dorr	PROPN
fsr-3245	47	61	,	,	PUNCT
fsr-3245	47	62	krueckeberg	krueckeberg	PROPN
fsr-3245	47	63	,	,	PUNCT
fsr-3245	47	64	strathman	strathman	NOUN
fsr-3245	47	65	,	,	PUNCT
fsr-3245	47	66	and	and	CCONJ
fsr-3245	47	67	wood	wood	NOUN
fsr-3245	47	68	,	,	PUNCT
fsr-3245	47	69	1999	1999	NUM
fsr-3245	47	70	;	;	PUNCT
fsr-3245	47	71	rothspan	rothspan	VERB
fsr-3245	47	72	and	and	CCONJ
fsr-3245	47	73	read	read	VERB
fsr-3245	47	74	,	,	PUNCT
fsr-3245	47	75	1996	1996	NUM
fsr-3245	47	76	)	)	PUNCT
fsr-3245	47	77	,	,	PUNCT
fsr-3245	47	78	and	and	CCONJ
fsr-3245	47	79	pathological	pathological	ADJ
fsr-3245	47	80	gambling	gambling	NOUN
fsr-3245	47	81	(	(	PUNCT
fsr-3245	47	82	e.g.	e.g.	ADV
fsr-3245	47	83	,	,	PUNCT
fsr-3245	47	84	mackillop	mackillop	PROPN
fsr-3245	47	85	,	,	PUNCT
fsr-3245	47	86	anderson	anderson	PROPN
fsr-3245	47	87	,	,	PUNCT
fsr-3245	47	88	castelda	castelda	PROPN
fsr-3245	47	89	,	,	PUNCT
fsr-3245	47	90	mattson	mattson	NOUN
fsr-3245	47	91	,	,	PUNCT
fsr-3245	47	92	and	and	CCONJ
fsr-3245	47	93	donovick	donovick	NOUN
fsr-3245	47	94	,	,	PUNCT
fsr-3245	47	95	2006	2006	NUM
fsr-3245	47	96	;	;	PUNCT
fsr-3245	47	97	toplak	toplak	ADJ
fsr-3245	47	98	,	,	PUNCT
fsr-3245	47	99	liu	liu	PROPN
fsr-3245	47	100	,	,	PUNCT
fsr-3245	47	101	macpherson	macpherson	PROPN
fsr-3245	47	102	,	,	PUNCT
fsr-3245	47	103	toneatto	toneatto	ADJ
fsr-3245	47	104	,	,	PUNCT
fsr-3245	47	105	and	and	CCONJ
fsr-3245	47	106	stanovich	stanovich	NOUN
fsr-3245	47	107	,	,	PUNCT
fsr-3245	47	108	2007	2007	NUM
fsr-3245	47	109	)	)	PUNCT
fsr-3245	47	110	.	.	PUNCT
fsr-3245	48	1	in	in	ADP
fsr-3245	48	2	addition	addition	NOUN
fsr-3245	48	3	,	,	PUNCT
fsr-3245	48	4	tp	tp	NOUN
fsr-3245	48	5	has	have	AUX
fsr-3245	48	6	been	be	AUX
fsr-3245	48	7	linked	link	VERB
fsr-3245	48	8	to	to	ADP
fsr-3245	48	9	academic	academic	ADJ
fsr-3245	48	10	achievement	achievement	NOUN
fsr-3245	48	11	(	(	PUNCT
fsr-3245	48	12	e.g.	e.g.	ADV
fsr-3245	48	13	,	,	PUNCT
fsr-3245	48	14	adelabu	adelabu	NOUN
fsr-3245	48	15	,	,	PUNCT
fsr-3245	48	16	2007	2007	NUM
fsr-3245	48	17	;	;	PUNCT
fsr-3245	48	18	joireman	joireman	NOUN
fsr-3245	48	19	,	,	PUNCT
fsr-3245	48	20	1999	1999	NUM
fsr-3245	48	21	)	)	PUNCT
fsr-3245	48	22	,	,	PUNCT
fsr-3245	48	23	environmental	environmental	ADJ
fsr-3245	48	24	attitudes	attitude	NOUN
fsr-3245	48	25	and	and	CCONJ
fsr-3245	48	26	behaviors	behavior	NOUN
fsr-3245	48	27	(	(	PUNCT
fsr-3245	48	28	e.g.	e.g.	ADV
fsr-3245	48	29	,	,	PUNCT
fsr-3245	48	30	corral	corral	ADJ
fsr-3245	48	31	-	-	PUNCT
fsr-3245	48	32	verdugo	verdugo	PROPN
fsr-3245	48	33	and	and	CCONJ
fsr-3245	48	34	pinheiro	pinheiro	NOUN
fsr-3245	48	35	,	,	PUNCT
fsr-3245	48	36	2006	2006	NUM
fsr-3245	48	37	;	;	PUNCT
fsr-3245	48	38	joireman	joireman	NOUN
fsr-3245	48	39	,	,	PUNCT
fsr-3245	48	40	van	van	NOUN
fsr-3245	48	41	lange	lange	NOUN
fsr-3245	48	42	,	,	PUNCT
fsr-3245	48	43	and	and	CCONJ
fsr-3245	48	44	van	van	PROPN
fsr-3245	48	45	vugt	vugt	NOUN
fsr-3245	48	46	,	,	PUNCT
fsr-3245	48	47	2004	2004	NUM
fsr-3245	48	48	)	)	PUNCT
fsr-3245	48	49	,	,	PUNCT
fsr-3245	48	50	and	and	CCONJ
fsr-3245	48	51	individual	individual	ADJ
fsr-3245	48	52	health	health	NOUN
fsr-3245	48	53	practices	practice	NOUN
fsr-3245	48	54	(	(	PUNCT
fsr-3245	48	55	e.g.	e.g.	ADV
fsr-3245	48	56	,	,	PUNCT
fsr-3245	48	57	orbell	orbell	NOUN
fsr-3245	48	58	and	and	CCONJ
fsr-3245	48	59	hagger	hagger	PROPN
fsr-3245	48	60	,	,	PUNCT
fsr-3245	48	61	2006	2006	NUM
fsr-3245	48	62	;	;	PUNCT
fsr-3245	48	63	ouellette	ouellette	NOUN
fsr-3245	48	64	,	,	PUNCT
fsr-3245	48	65	hessling	hessling	NOUN
fsr-3245	48	66	,	,	PUNCT
fsr-3245	48	67	gibbons	gibbon	NOUN
fsr-3245	48	68	,	,	PUNCT
fsr-3245	48	69	reis	reis	NOUN
fsr-3245	48	70	-	-	PUNCT
fsr-3245	48	71	bergan	bergan	NOUN
fsr-3245	48	72	,	,	PUNCT
fsr-3245	48	73	and	and	CCONJ
fsr-3245	48	74	gerrard	gerrard	PROPN
fsr-3245	48	75	,	,	PUNCT
fsr-3245	48	76	2005	2005	NUM
fsr-3245	48	77	)	)	PUNCT
fsr-3245	48	78	.	.	PUNCT
fsr-3245	49	1	research	research	NOUN
fsr-3245	49	2	has	have	AUX
fsr-3245	49	3	generally	generally	ADV
fsr-3245	49	4	found	find	VERB
fsr-3245	49	5	that	that	SCONJ
fsr-3245	49	6	individuals	individual	NOUN
fsr-3245	49	7	with	with	ADP
fsr-3245	49	8	a	a	DET
fsr-3245	49	9	strong	strong	ADJ
fsr-3245	49	10	future	future	NOUN
fsr-3245	49	11	tp	tp	PART
fsr-3245	49	12	focus	focus	VERB
fsr-3245	49	13	on	on	ADP
fsr-3245	49	14	the	the	DET
fsr-3245	49	15	achievement	achievement	NOUN
fsr-3245	49	16	of	of	ADP
fsr-3245	49	17	future	future	ADJ
fsr-3245	49	18	goals	goal	NOUN
fsr-3245	49	19	and	and	CCONJ
fsr-3245	49	20	abstract	abstract	ADJ
fsr-3245	49	21	features	feature	NOUN
fsr-3245	49	22	such	such	ADJ
fsr-3245	49	23	as	as	ADP
fsr-3245	49	24	the	the	DET
fsr-3245	49	25	desirability	desirability	NOUN
fsr-3245	49	26	of	of	ADP
fsr-3245	49	27	future	future	ADJ
fsr-3245	49	28	states	state	NOUN
fsr-3245	49	29	resulting	result	VERB
fsr-3245	49	30	from	from	ADP
fsr-3245	49	31	their	their	PRON
fsr-3245	49	32	decisions	decision	NOUN
fsr-3245	49	33	(	(	PUNCT
fsr-3245	49	34	boniwell	boniwell	NOUN
fsr-3245	49	35	and	and	CCONJ
fsr-3245	49	36	zimbardo	zimbardo	PROPN
fsr-3245	49	37	,	,	PUNCT
fsr-3245	49	38	2004	2004	NUM
fsr-3245	49	39	;	;	PUNCT
fsr-3245	49	40	d’alessio	d’alessio	PROPN
fsr-3245	49	41	et	et	PROPN
fsr-3245	49	42	al	al	PROPN
fsr-3245	49	43	.	.	PROPN
fsr-3245	49	44	,	,	PUNCT
fsr-3245	49	45	2003	2003	NUM
fsr-3245	49	46	;	;	PUNCT
fsr-3245	49	47	strathman	strathman	PROPN
fsr-3245	49	48	et	et	PROPN
fsr-3245	49	49	al	al	PROPN
fsr-3245	49	50	.	.	PROPN
fsr-3245	49	51	,	,	PUNCT
fsr-3245	49	52	1994	1994	NUM
fsr-3245	49	53	;	;	PUNCT
fsr-3245	49	54	zimbardo	zimbardo	NOUN
fsr-3245	49	55	and	and	CCONJ
fsr-3245	49	56	boyd	boyd	PROPN
fsr-3245	49	57	,	,	PUNCT
fsr-3245	49	58	1999	1999	NUM
fsr-3245	49	59	)	)	PUNCT
fsr-3245	49	60	.	.	PUNCT
fsr-3245	50	1	in	in	ADP
fsr-3245	50	2	contrast	contrast	NOUN
fsr-3245	50	3	,	,	PUNCT
fsr-3245	50	4	individuals	individual	NOUN
fsr-3245	50	5	with	with	ADP
fsr-3245	50	6	a	a	DET
fsr-3245	50	7	more	more	ADV
fsr-3245	50	8	current	current	ADJ
fsr-3245	50	9	orientation	orientation	NOUN
fsr-3245	50	10	tend	tend	VERB
fsr-3245	50	11	to	to	PART
fsr-3245	50	12	be	be	AUX
fsr-3245	50	13	influenced	influence	VERB
fsr-3245	50	14	by	by	ADP
fsr-3245	50	15	concrete	concrete	ADJ
fsr-3245	50	16	features	feature	NOUN
fsr-3245	50	17	of	of	ADP
fsr-3245	50	18	decision	decision	NOUN
fsr-3245	50	19	alternatives	alternative	NOUN
fsr-3245	50	20	,	,	PUNCT
fsr-3245	50	21	389k.n	389k.n	NUM
fsr-3245	50	22	.	.	PUNCT
fsr-3245	50	23	ryack	ryack	NOUN
fsr-3245	50	24	/	/	SYM
fsr-3245	50	25	financial	financial	ADJ
fsr-3245	50	26	services	service	NOUN
fsr-3245	50	27	review	review	VERB
fsr-3245	50	28	24	24	NUM
fsr-3245	50	29	(	(	PUNCT
fsr-3245	50	30	2015	2015	NUM
fsr-3245	50	31	)	)	PUNCT
fsr-3245	50	32	387–410	387–410	NUM
fsr-3245	50	33	such	such	ADJ
fsr-3245	50	34	as	as	ADP
fsr-3245	50	35	convenience	convenience	NOUN
fsr-3245	50	36	and	and	CCONJ
fsr-3245	50	37	other	other	ADJ
fsr-3245	50	38	more	more	ADV
fsr-3245	50	39	immediate	immediate	ADJ
fsr-3245	50	40	benefits	benefit	NOUN
fsr-3245	50	41	(	(	PUNCT
fsr-3245	50	42	strathman	strathman	PROPN
fsr-3245	50	43	et	et	PROPN
fsr-3245	50	44	al	al	PROPN
fsr-3245	50	45	.	.	PROPN
fsr-3245	50	46	,	,	PUNCT
fsr-3245	50	47	1994	1994	NUM
fsr-3245	50	48	;	;	PUNCT
fsr-3245	50	49	zimbardo	zimbardo	NOUN
fsr-3245	50	50	and	and	CCONJ
fsr-3245	50	51	boyd	boyd	PROPN
fsr-3245	50	52	,	,	PUNCT
fsr-3245	50	53	1999	1999	NUM
fsr-3245	50	54	)	)	PUNCT
fsr-3245	50	55	.	.	PUNCT
fsr-3245	51	1	strathman	strathman	PROPN
fsr-3245	51	2	,	,	PUNCT
fsr-3245	51	3	gleicher	gleicher	NOUN
fsr-3245	51	4	,	,	PUNCT
fsr-3245	51	5	boninger	boninger	NOUN
fsr-3245	51	6	,	,	PUNCT
fsr-3245	51	7	and	and	CCONJ
fsr-3245	51	8	edwards	edwards	PROPN
fsr-3245	51	9	(	(	PUNCT
fsr-3245	51	10	1994	1994	NUM
fsr-3245	51	11	)	)	PUNCT
fsr-3245	51	12	demonstrate	demonstrate	VERB
fsr-3245	51	13	this	this	DET
fsr-3245	51	14	behavior	behavior	NOUN
fsr-3245	51	15	in	in	ADP
fsr-3245	51	16	an	an	DET
fsr-3245	51	17	oil	oil	NOUN
fsr-3245	51	18	drilling	drilling	NOUN
fsr-3245	51	19	decision	decision	NOUN
fsr-3245	51	20	case	case	NOUN
fsr-3245	51	21	that	that	PRON
fsr-3245	51	22	involves	involve	VERB
fsr-3245	51	23	trade	trade	NOUN
fsr-3245	51	24	-	-	PUNCT
fsr-3245	51	25	offs	off	NOUN
fsr-3245	51	26	between	between	ADP
fsr-3245	51	27	present	present	ADJ
fsr-3245	51	28	and	and	CCONJ
fsr-3245	51	29	future	future	ADJ
fsr-3245	51	30	benefits	benefit	NOUN
fsr-3245	51	31	.	.	PUNCT
fsr-3245	52	1	their	their	PRON
fsr-3245	52	2	results	result	NOUN
fsr-3245	52	3	indicate	indicate	VERB
fsr-3245	52	4	that	that	SCONJ
fsr-3245	52	5	participants	participant	NOUN
fsr-3245	52	6	with	with	ADP
fsr-3245	52	7	a	a	DET
fsr-3245	52	8	strong	strong	ADJ
fsr-3245	52	9	future	future	NOUN
fsr-3245	52	10	tp	tp	NOUN
fsr-3245	52	11	are	be	AUX
fsr-3245	52	12	more	more	ADV
fsr-3245	52	13	likely	likely	ADJ
fsr-3245	52	14	to	to	PART
fsr-3245	52	15	favor	favor	VERB
fsr-3245	52	16	offshore	offshore	ADV
fsr-3245	52	17	drilling	drill	VERB
fsr-3245	52	18	when	when	SCONJ
fsr-3245	52	19	the	the	DET
fsr-3245	52	20	disadvantages	disadvantage	NOUN
fsr-3245	52	21	are	be	AUX
fsr-3245	52	22	presented	present	VERB
fsr-3245	52	23	as	as	ADP
fsr-3245	52	24	immediate	immediate	ADJ
fsr-3245	52	25	and	and	CCONJ
fsr-3245	52	26	the	the	DET
fsr-3245	52	27	advantages	advantage	NOUN
fsr-3245	52	28	are	be	AUX
fsr-3245	52	29	presented	present	VERB
fsr-3245	52	30	as	as	ADP
fsr-3245	52	31	distant	distant	ADJ
fsr-3245	52	32	.	.	PUNCT
fsr-3245	53	1	however	however	ADV
fsr-3245	53	2	,	,	PUNCT
fsr-3245	53	3	those	those	PRON
fsr-3245	53	4	with	with	ADP
fsr-3245	53	5	a	a	DET
fsr-3245	53	6	more	more	ADV
fsr-3245	53	7	present	present	ADJ
fsr-3245	53	8	orientation	orientation	NOUN
fsr-3245	53	9	are	be	AUX
fsr-3245	53	10	more	more	ADV
fsr-3245	53	11	convinced	convinced	ADJ
fsr-3245	53	12	of	of	ADP
fsr-3245	53	13	the	the	DET
fsr-3245	53	14	benefits	benefit	NOUN
fsr-3245	53	15	of	of	ADP
fsr-3245	53	16	drilling	drilling	NOUN
fsr-3245	53	17	when	when	SCONJ
fsr-3245	53	18	the	the	DET
fsr-3245	53	19	advantages	advantage	NOUN
fsr-3245	53	20	are	be	AUX
fsr-3245	53	21	immediate	immediate	ADJ
fsr-3245	53	22	and	and	CCONJ
fsr-3245	53	23	the	the	DET
fsr-3245	53	24	disadvantages	disadvantage	NOUN
fsr-3245	53	25	are	be	AUX
fsr-3245	53	26	distant	distant	ADJ
fsr-3245	53	27	.	.	PUNCT
fsr-3245	54	1	in	in	ADP
fsr-3245	54	2	a	a	DET
fsr-3245	54	3	personal	personal	ADJ
fsr-3245	54	4	finance	finance	NOUN
fsr-3245	54	5	context	context	NOUN
fsr-3245	54	6	,	,	PUNCT
fsr-3245	54	7	joireman	joireman	NOUN
fsr-3245	54	8	,	,	PUNCT
fsr-3245	54	9	sprott	sprott	PROPN
fsr-3245	54	10	,	,	PUNCT
fsr-3245	54	11	and	and	CCONJ
fsr-3245	54	12	spangenberg	spangenberg	PROPN
fsr-3245	54	13	(	(	PUNCT
fsr-3245	54	14	2005	2005	NUM
fsr-3245	54	15	)	)	PUNCT
fsr-3245	54	16	demonstrate	demonstrate	VERB
fsr-3245	54	17	similar	similar	ADJ
fsr-3245	54	18	behavior	behavior	NOUN
fsr-3245	54	19	when	when	SCONJ
fsr-3245	54	20	marketing	marketing	NOUN
fsr-3245	54	21	students	student	NOUN
fsr-3245	54	22	are	be	AUX
fsr-3245	54	23	asked	ask	VERB
fsr-3245	54	24	how	how	SCONJ
fsr-3245	54	25	they	they	PRON
fsr-3245	54	26	would	would	AUX
fsr-3245	54	27	prefer	prefer	VERB
fsr-3245	54	28	to	to	PART
fsr-3245	54	29	invest	invest	VERB
fsr-3245	54	30	money	money	NOUN
fsr-3245	54	31	received	receive	VERB
fsr-3245	54	32	from	from	ADP
fsr-3245	54	33	a	a	DET
fsr-3245	54	34	hypothetical	hypothetical	ADJ
fsr-3245	54	35	windfall	windfall	NOUN
fsr-3245	54	36	.	.	PUNCT
fsr-3245	55	1	more	more	ADJ
fsr-3245	55	2	future	future	ADJ
fsr-3245	55	3	oriented	orient	VERB
fsr-3245	55	4	respondents	respondent	NOUN
fsr-3245	55	5	tend	tend	VERB
fsr-3245	55	6	to	to	PART
fsr-3245	55	7	choose	choose	VERB
fsr-3245	55	8	the	the	DET
fsr-3245	55	9	options	option	NOUN
fsr-3245	55	10	with	with	ADP
fsr-3245	55	11	longer	long	ADJ
fsr-3245	55	12	-	-	PUNCT
fsr-3245	55	13	term	term	NOUN
fsr-3245	55	14	benefits	benefit	NOUN
fsr-3245	55	15	(	(	PUNCT
fsr-3245	55	16	i.e.	i.e.	X
fsr-3245	55	17	,	,	PUNCT
fsr-3245	55	18	paying	pay	VERB
fsr-3245	55	19	down	down	ADP
fsr-3245	55	20	credit	credit	NOUN
fsr-3245	55	21	card	card	NOUN
fsr-3245	55	22	debt	debt	NOUN
fsr-3245	55	23	or	or	CCONJ
fsr-3245	55	24	putting	put	VERB
fsr-3245	55	25	it	it	PRON
fsr-3245	55	26	into	into	ADP
fsr-3245	55	27	savings	saving	NOUN
fsr-3245	55	28	to	to	PART
fsr-3245	55	29	cover	cover	VERB
fsr-3245	55	30	college	college	NOUN
fsr-3245	55	31	expenses	expense	NOUN
fsr-3245	55	32	)	)	PUNCT
fsr-3245	55	33	,	,	PUNCT
fsr-3245	55	34	while	while	SCONJ
fsr-3245	55	35	the	the	DET
fsr-3245	55	36	more	more	ADV
fsr-3245	55	37	present	present	ADJ
fsr-3245	55	38	oriented	orient	VERB
fsr-3245	55	39	generally	generally	ADV
fsr-3245	55	40	prefer	prefer	VERB
fsr-3245	55	41	the	the	DET
fsr-3245	55	42	options	option	NOUN
fsr-3245	55	43	with	with	ADP
fsr-3245	55	44	short	short	ADJ
fsr-3245	55	45	-	-	PUNCT
fsr-3245	55	46	term	term	NOUN
fsr-3245	55	47	benefits	benefit	NOUN
fsr-3245	55	48	(	(	PUNCT
fsr-3245	55	49	i.e.	i.e.	X
fsr-3245	55	50	,	,	PUNCT
fsr-3245	55	51	purchasing	purchase	VERB
fsr-3245	55	52	an	an	DET
fsr-3245	55	53	item	item	NOUN
fsr-3245	55	54	online	online	ADV
fsr-3245	55	55	that	that	PRON
fsr-3245	55	56	is	be	AUX
fsr-3245	55	57	temporarily	temporarily	ADV
fsr-3245	55	58	on	on	ADP
fsr-3245	55	59	sale	sale	NOUN
fsr-3245	55	60	or	or	CCONJ
fsr-3245	55	61	going	go	VERB
fsr-3245	55	62	on	on	ADP
fsr-3245	55	63	a	a	DET
fsr-3245	55	64	trip	trip	NOUN
fsr-3245	55	65	with	with	ADP
fsr-3245	55	66	friends	friend	NOUN
fsr-3245	55	67	)	)	PUNCT
fsr-3245	55	68	.	.	PUNCT
fsr-3245	56	1	there	there	PRON
fsr-3245	56	2	is	be	VERB
fsr-3245	56	3	also	also	ADV
fsr-3245	56	4	research	research	NOUN
fsr-3245	56	5	finding	find	VERB
fsr-3245	56	6	that	that	SCONJ
fsr-3245	56	7	future	future	ADJ
fsr-3245	56	8	tp	tp	NOUN
fsr-3245	56	9	is	be	AUX
fsr-3245	56	10	associated	associate	VERB
fsr-3245	56	11	with	with	ADP
fsr-3245	56	12	higher	high	ADJ
fsr-3245	56	13	levels	level	NOUN
fsr-3245	56	14	of	of	ADP
fsr-3245	56	15	perceived	perceive	VERB
fsr-3245	56	16	financial	financial	ADJ
fsr-3245	56	17	planning	planning	NOUN
fsr-3245	56	18	knowledge	knowledge	NOUN
fsr-3245	56	19	,	,	PUNCT
fsr-3245	56	20	retirement	retirement	NOUN
fsr-3245	56	21	involvement	involvement	NOUN
fsr-3245	56	22	,	,	PUNCT
fsr-3245	56	23	willingness	willingness	NOUN
fsr-3245	56	24	to	to	PART
fsr-3245	56	25	invest	invest	VERB
fsr-3245	56	26	in	in	ADP
fsr-3245	56	27	a	a	DET
fsr-3245	56	28	401(k	401(k	PROPN
fsr-3245	56	29	)	)	PUNCT
fsr-3245	56	30	plan	plan	NOUN
fsr-3245	56	31	,	,	PUNCT
fsr-3245	56	32	and	and	CCONJ
fsr-3245	56	33	a	a	DET
fsr-3245	56	34	more	more	ADV
fsr-3245	56	35	aggressive	aggressive	ADJ
fsr-3245	56	36	retirement	retirement	NOUN
fsr-3245	56	37	savings	saving	NOUN
fsr-3245	56	38	profile	profile	NOUN
fsr-3245	56	39	(	(	PUNCT
fsr-3245	56	40	hershey	hershey	PROPN
fsr-3245	56	41	and	and	CCONJ
fsr-3245	56	42	mowen	mowen	NOUN
fsr-3245	56	43	,	,	PUNCT
fsr-3245	56	44	2000	2000	NUM
fsr-3245	56	45	;	;	PUNCT
fsr-3245	56	46	howlett	howlett	PROPN
fsr-3245	56	47	,	,	PUNCT
fsr-3245	56	48	kees	kees	PROPN
fsr-3245	56	49	,	,	PUNCT
fsr-3245	56	50	and	and	CCONJ
fsr-3245	56	51	kemp	kemp	PROPN
fsr-3245	56	52	,	,	PUNCT
fsr-3245	56	53	2008	2008	NUM
fsr-3245	56	54	;	;	PUNCT
fsr-3245	56	55	jacobs	jacobs	PROPN
fsr-3245	56	56	-	-	PUNCT
fsr-3245	56	57	lawson	lawson	PROPN
fsr-3245	56	58	and	and	CCONJ
fsr-3245	56	59	hershey	hershey	PROPN
fsr-3245	56	60	,	,	PUNCT
fsr-3245	56	61	2005	2005	NUM
fsr-3245	56	62	)	)	PUNCT
fsr-3245	56	63	.	.	PUNCT
fsr-3245	57	1	thus	thus	ADV
fsr-3245	57	2	,	,	PUNCT
fsr-3245	57	3	there	there	PRON
fsr-3245	57	4	is	be	VERB
fsr-3245	57	5	a	a	DET
fsr-3245	57	6	large	large	ADJ
fsr-3245	57	7	amount	amount	NOUN
fsr-3245	57	8	of	of	ADP
fsr-3245	57	9	literature	literature	NOUN
fsr-3245	57	10	demonstrating	demonstrate	VERB
fsr-3245	57	11	the	the	DET
fsr-3245	57	12	significant	significant	ADJ
fsr-3245	57	13	impact	impact	NOUN
fsr-3245	57	14	of	of	ADP
fsr-3245	57	15	tp	tp	NOUN
fsr-3245	57	16	on	on	ADP
fsr-3245	57	17	behavior	behavior	NOUN
fsr-3245	57	18	in	in	ADP
fsr-3245	57	19	a	a	DET
fsr-3245	57	20	variety	variety	NOUN
fsr-3245	57	21	of	of	ADP
fsr-3245	57	22	different	different	ADJ
fsr-3245	57	23	settings	setting	NOUN
fsr-3245	57	24	,	,	PUNCT
fsr-3245	57	25	including	include	VERB
fsr-3245	57	26	personal	personal	ADJ
fsr-3245	57	27	finance	finance	NOUN
fsr-3245	57	28	.	.	PUNCT
fsr-3245	58	1	2.2	2.2	NUM
fsr-3245	58	2	.	.	PUNCT
fsr-3245	58	3	relationship	relationship	NOUN
fsr-3245	58	4	between	between	ADP
fsr-3245	58	5	tp	tp	NOUN
fsr-3245	58	6	and	and	CCONJ
fsr-3245	58	7	occupation	occupation	NOUN
fsr-3245	58	8	i	i	PRON
fsr-3245	58	9	am	be	AUX
fsr-3245	58	10	aware	aware	ADJ
fsr-3245	58	11	of	of	ADP
fsr-3245	58	12	only	only	ADV
fsr-3245	58	13	one	one	NUM
fsr-3245	58	14	study	study	NOUN
fsr-3245	58	15	to	to	ADP
fsr-3245	58	16	date	date	NOUN
fsr-3245	58	17	that	that	PRON
fsr-3245	58	18	has	have	AUX
fsr-3245	58	19	explored	explore	VERB
fsr-3245	58	20	the	the	DET
fsr-3245	58	21	relationship	relationship	NOUN
fsr-3245	58	22	between	between	ADP
fsr-3245	58	23	tp	tp	NOUN
fsr-3245	58	24	and	and	CCONJ
fsr-3245	58	25	occupation	occupation	NOUN
fsr-3245	58	26	.	.	PUNCT
fsr-3245	59	1	gonzalez	gonzalez	PROPN
fsr-3245	59	2	and	and	CCONJ
fsr-3245	59	3	zimbardo	zimbardo	PROPN
fsr-3245	59	4	(	(	PUNCT
fsr-3245	59	5	1985	1985	NUM
fsr-3245	59	6	)	)	PUNCT
fsr-3245	59	7	collected	collect	VERB
fsr-3245	59	8	data	datum	NOUN
fsr-3245	59	9	from	from	ADP
fsr-3245	59	10	a	a	DET
fsr-3245	59	11	sample	sample	NOUN
fsr-3245	59	12	of	of	ADP
fsr-3245	59	13	over	over	ADP
fsr-3245	59	14	11,000	11,000	NUM
fsr-3245	59	15	psychology	psychology	NOUN
fsr-3245	59	16	today	today	NOUN
fsr-3245	59	17	readers	reader	NOUN
fsr-3245	59	18	that	that	PRON
fsr-3245	59	19	completed	complete	VERB
fsr-3245	59	20	the	the	DET
fsr-3245	59	21	stanford	stanford	PROPN
fsr-3245	59	22	time	time	PROPN
fsr-3245	59	23	perspective	perspective	PROPN
fsr-3245	59	24	inventory	inventory	NOUN
fsr-3245	59	25	(	(	PUNCT
fsr-3245	59	26	stpi	stpi	NOUN
fsr-3245	59	27	)	)	PUNCT
fsr-3245	59	28	,	,	PUNCT
fsr-3245	59	29	an	an	DET
fsr-3245	59	30	earlier	early	ADJ
fsr-3245	59	31	version	version	NOUN
fsr-3245	59	32	of	of	ADP
fsr-3245	59	33	the	the	DET
fsr-3245	59	34	zimbardo	zimbardo	NOUN
fsr-3245	59	35	time	time	NOUN
fsr-3245	59	36	perspective	perspective	PROPN
fsr-3245	59	37	inventory	inventory	NOUN
fsr-3245	59	38	(	(	PUNCT
fsr-3245	59	39	ztpi	ztpi	NOUN
fsr-3245	59	40	)	)	PUNCT
fsr-3245	59	41	.	.	PUNCT
fsr-3245	60	1	the	the	DET
fsr-3245	60	2	results	result	NOUN
fsr-3245	60	3	indicate	indicate	VERB
fsr-3245	60	4	that	that	SCONJ
fsr-3245	60	5	different	different	ADJ
fsr-3245	60	6	types	type	NOUN
fsr-3245	60	7	of	of	ADP
fsr-3245	60	8	jobs	job	NOUN
fsr-3245	60	9	are	be	AUX
fsr-3245	60	10	associated	associate	VERB
fsr-3245	60	11	with	with	ADP
fsr-3245	60	12	different	different	ADJ
fsr-3245	60	13	tps	tps	NOUN
fsr-3245	60	14	.	.	PUNCT
fsr-3245	61	1	for	for	ADP
fsr-3245	61	2	example	example	NOUN
fsr-3245	61	3	,	,	PUNCT
fsr-3245	61	4	students	student	NOUN
fsr-3245	61	5	and	and	CCONJ
fsr-3245	61	6	a	a	DET
fsr-3245	61	7	group	group	NOUN
fsr-3245	61	8	of	of	ADP
fsr-3245	61	9	workers	worker	NOUN
fsr-3245	61	10	classified	classify	VERB
fsr-3245	61	11	as	as	ADP
fsr-3245	61	12	“	"	PUNCT
fsr-3245	61	13	semiskilled	semiskilled	ADJ
fsr-3245	61	14	/unskilled	/unskilled	PRON
fsr-3245	61	15	”	"	PUNCT
fsr-3245	61	16	tend	tend	VERB
fsr-3245	61	17	to	to	PART
fsr-3245	61	18	display	display	VERB
fsr-3245	61	19	stronger	strong	ADJ
fsr-3245	61	20	present	present	ADJ
fsr-3245	61	21	orientations	orientation	NOUN
fsr-3245	61	22	and	and	CCONJ
fsr-3245	61	23	weaker	weak	ADJ
fsr-3245	61	24	future	future	ADJ
fsr-3245	61	25	orientations	orientation	NOUN
fsr-3245	61	26	.	.	PUNCT
fsr-3245	62	1	in	in	ADP
fsr-3245	62	2	contrast	contrast	NOUN
fsr-3245	62	3	,	,	PUNCT
fsr-3245	62	4	teachers	teacher	NOUN
fsr-3245	62	5	,	,	PUNCT
fsr-3245	62	6	professionals	professional	NOUN
fsr-3245	62	7	,	,	PUNCT
fsr-3245	62	8	managers	manager	NOUN
fsr-3245	62	9	,	,	PUNCT
fsr-3245	62	10	and	and	CCONJ
fsr-3245	62	11	white	white	ADJ
fsr-3245	62	12	collar	collar	NOUN
fsr-3245	62	13	workers	worker	NOUN
fsr-3245	62	14	are	be	AUX
fsr-3245	62	15	more	more	ADV
fsr-3245	62	16	likely	likely	ADJ
fsr-3245	62	17	to	to	PART
fsr-3245	62	18	exhibit	exhibit	VERB
fsr-3245	62	19	a	a	DET
fsr-3245	62	20	strong	strong	ADJ
fsr-3245	62	21	orientation	orientation	NOUN
fsr-3245	62	22	toward	toward	ADP
fsr-3245	62	23	at	at	ADV
fsr-3245	62	24	least	least	ADV
fsr-3245	62	25	one	one	NUM
fsr-3245	62	26	dimension	dimension	NOUN
fsr-3245	62	27	of	of	ADP
fsr-3245	62	28	future	future	ADJ
fsr-3245	62	29	tp	tp	PROPN
fsr-3245	62	30	.	.	PUNCT
fsr-3245	63	1	based	base	VERB
fsr-3245	63	2	on	on	ADP
fsr-3245	63	3	these	these	DET
fsr-3245	63	4	findings	finding	NOUN
fsr-3245	63	5	,	,	PUNCT
fsr-3245	63	6	gonazlez	gonazlez	NOUN
fsr-3245	63	7	and	and	CCONJ
fsr-3245	63	8	zimbardo	zimbardo	NOUN
fsr-3245	63	9	(	(	PUNCT
fsr-3245	63	10	1985	1985	NUM
fsr-3245	63	11	,	,	PUNCT
fsr-3245	63	12	p.	p.	NOUN
fsr-3245	63	13	26	26	NUM
fsr-3245	63	14	)	)	PUNCT
fsr-3245	63	15	conclude	conclude	VERB
fsr-3245	63	16	,	,	PUNCT
fsr-3245	63	17	“	"	PUNCT
fsr-3245	63	18	it	it	PRON
fsr-3245	63	19	seems	seem	VERB
fsr-3245	63	20	likely	likely	ADJ
fsr-3245	63	21	that	that	SCONJ
fsr-3245	63	22	two	two	NUM
fsr-3245	63	23	processes	process	NOUN
fsr-3245	63	24	are	be	AUX
fsr-3245	63	25	at	at	ADP
fsr-3245	63	26	work	work	NOUN
fsr-3245	63	27	here	here	ADV
fsr-3245	63	28	.	.	PUNCT
fsr-3245	64	1	individuals	individual	NOUN
fsr-3245	64	2	select	select	VERB
fsr-3245	64	3	certain	certain	ADJ
fsr-3245	64	4	occupations	occupation	NOUN
fsr-3245	64	5	because	because	SCONJ
fsr-3245	64	6	they	they	PRON
fsr-3245	64	7	already	already	ADV
fsr-3245	64	8	have	have	VERB
fsr-3245	64	9	the	the	DET
fsr-3245	64	10	time	time	NOUN
fsr-3245	64	11	orientation	orientation	NOUN
fsr-3245	64	12	called	call	VERB
fsr-3245	64	13	for	for	ADP
fsr-3245	64	14	.	.	PUNCT
fsr-3245	65	1	once	once	ADV
fsr-3245	65	2	in	in	ADP
fsr-3245	65	3	the	the	DET
fsr-3245	65	4	job	job	NOUN
fsr-3245	65	5	,	,	PUNCT
fsr-3245	65	6	success	success	NOUN
fsr-3245	65	7	and	and	CCONJ
fsr-3245	65	8	satisfaction	satisfaction	NOUN
fsr-3245	65	9	depend	depend	VERB
fsr-3245	65	10	on	on	ADP
fsr-3245	65	11	intensifying	intensify	VERB
fsr-3245	65	12	the	the	DET
fsr-3245	65	13	orientation	orientation	NOUN
fsr-3245	65	14	further	far	ADV
fsr-3245	65	15	.	.	PUNCT
fsr-3245	65	16	”	"	PUNCT
fsr-3245	66	1	since	since	SCONJ
fsr-3245	66	2	personal	personal	ADJ
fsr-3245	66	3	financial	financial	ADJ
fsr-3245	66	4	planning	planning	NOUN
fsr-3245	66	5	is	be	AUX
fsr-3245	66	6	a	a	DET
fsr-3245	66	7	very	very	ADV
fsr-3245	66	8	forward	forward	ADV
fsr-3245	66	9	looking	look	VERB
fsr-3245	66	10	profession	profession	NOUN
fsr-3245	66	11	,	,	PUNCT
fsr-3245	66	12	it	it	PRON
fsr-3245	66	13	seems	seem	VERB
fsr-3245	66	14	plausible	plausible	ADJ
fsr-3245	66	15	that	that	SCONJ
fsr-3245	66	16	such	such	DET
fsr-3245	66	17	a	a	DET
fsr-3245	66	18	career	career	NOUN
fsr-3245	66	19	would	would	AUX
fsr-3245	66	20	attract	attract	VERB
fsr-3245	66	21	and	and	CCONJ
fsr-3245	66	22	retain	retain	VERB
fsr-3245	66	23	more	more	ADJ
fsr-3245	66	24	future	future	ADJ
fsr-3245	66	25	oriented	orient	VERB
fsr-3245	66	26	individuals	individual	NOUN
fsr-3245	66	27	.	.	PUNCT
fsr-3245	67	1	therefore	therefore	ADV
fsr-3245	67	2	,	,	PUNCT
fsr-3245	67	3	i	i	PRON
fsr-3245	67	4	propose	propose	VERB
fsr-3245	67	5	the	the	DET
fsr-3245	67	6	following	follow	VERB
fsr-3245	67	7	hypothesis	hypothesis	NOUN
fsr-3245	67	8	:	:	PUNCT
fsr-3245	67	9	hypothesis	hypothesis	NOUN
fsr-3245	67	10	1	1	NUM
fsr-3245	67	11	:	:	PUNCT
fsr-3245	67	12	professional	professional	ADJ
fsr-3245	67	13	financial	financial	ADJ
fsr-3245	67	14	planners	planner	NOUN
fsr-3245	67	15	are	be	AUX
fsr-3245	67	16	generally	generally	ADV
fsr-3245	67	17	future	future	ADJ
fsr-3245	67	18	oriented	orient	VERB
fsr-3245	67	19	as	as	ADP
fsr-3245	67	20	a	a	DET
fsr-3245	67	21	group	group	NOUN
fsr-3245	67	22	.	.	PUNCT
fsr-3245	68	1	2.3	2.3	NUM
fsr-3245	68	2	.	.	PUNCT
fsr-3245	68	3	relationship	relationship	NOUN
fsr-3245	68	4	between	between	ADP
fsr-3245	68	5	professional	professional	ADJ
fsr-3245	68	6	background	background	NOUN
fsr-3245	68	7	and	and	CCONJ
fsr-3245	68	8	tp	tp	NOUN
fsr-3245	68	9	while	while	SCONJ
fsr-3245	68	10	financial	financial	ADJ
fsr-3245	68	11	planners	planner	NOUN
fsr-3245	68	12	may	may	AUX
fsr-3245	68	13	be	be	AUX
fsr-3245	68	14	future	future	ADV
fsr-3245	68	15	oriented	orient	VERB
fsr-3245	68	16	as	as	ADP
fsr-3245	68	17	a	a	DET
fsr-3245	68	18	group	group	NOUN
fsr-3245	68	19	,	,	PUNCT
fsr-3245	68	20	they	they	PRON
fsr-3245	68	21	come	come	VERB
fsr-3245	68	22	from	from	ADP
fsr-3245	68	23	a	a	DET
fsr-3245	68	24	number	number	NOUN
fsr-3245	68	25	of	of	ADP
fsr-3245	68	26	different	different	ADJ
fsr-3245	68	27	professional	professional	ADJ
fsr-3245	68	28	backgrounds	background	NOUN
fsr-3245	68	29	(	(	PUNCT
fsr-3245	68	30	e.g.	e.g.	ADV
fsr-3245	68	31	,	,	PUNCT
fsr-3245	68	32	accounting	accounting	NOUN
fsr-3245	68	33	,	,	PUNCT
fsr-3245	68	34	investment	investment	NOUN
fsr-3245	68	35	,	,	PUNCT
fsr-3245	68	36	insurance	insurance	NOUN
fsr-3245	68	37	,	,	PUNCT
fsr-3245	68	38	etc	etc	X
fsr-3245	68	39	.	.	X
fsr-3245	68	40	)	)	PUNCT
fsr-3245	69	1	and	and	CCONJ
fsr-3245	69	2	it	it	PRON
fsr-3245	69	3	is	be	AUX
fsr-3245	69	4	390	390	NUM
fsr-3245	69	5	k.n	k.n	PROPN
fsr-3245	69	6	.	.	PROPN
fsr-3245	69	7	ryack	ryack	PROPN
fsr-3245	69	8	/	/	SYM
fsr-3245	69	9	financial	financial	ADJ
fsr-3245	69	10	services	service	NOUN
fsr-3245	69	11	review	review	VERB
fsr-3245	69	12	24	24	NUM
fsr-3245	69	13	(	(	PUNCT
fsr-3245	69	14	2015	2015	NUM
fsr-3245	69	15	)	)	PUNCT
fsr-3245	69	16	387–410	387–410	NUM
fsr-3245	69	17	possible	possible	ADJ
fsr-3245	69	18	that	that	SCONJ
fsr-3245	69	19	they	they	PRON
fsr-3245	69	20	display	display	VERB
fsr-3245	69	21	different	different	ADJ
fsr-3245	69	22	time	time	NOUN
fsr-3245	69	23	perspective	perspective	NOUN
fsr-3245	69	24	biases	bias	NOUN
fsr-3245	69	25	related	relate	VERB
fsr-3245	69	26	to	to	ADP
fsr-3245	69	27	their	their	PRON
fsr-3245	69	28	different	different	ADJ
fsr-3245	69	29	professional	professional	ADJ
fsr-3245	69	30	backgrounds	background	NOUN
fsr-3245	69	31	.	.	PUNCT
fsr-3245	70	1	for	for	ADP
fsr-3245	70	2	example	example	NOUN
fsr-3245	70	3	,	,	PUNCT
fsr-3245	70	4	a	a	DET
fsr-3245	70	5	tax	tax	NOUN
fsr-3245	70	6	accountant	accountant	NOUN
fsr-3245	70	7	or	or	CCONJ
fsr-3245	70	8	an	an	DET
fsr-3245	70	9	enrolled	enrol	VERB
fsr-3245	70	10	agent	agent	NOUN
fsr-3245	70	11	who	who	PRON
fsr-3245	70	12	spends	spend	VERB
fsr-3245	70	13	most	most	ADJ
fsr-3245	70	14	of	of	ADP
fsr-3245	70	15	their	their	PRON
fsr-3245	70	16	time	time	NOUN
fsr-3245	70	17	working	work	VERB
fsr-3245	70	18	on	on	ADP
fsr-3245	70	19	the	the	DET
fsr-3245	70	20	preparation	preparation	NOUN
fsr-3245	70	21	of	of	ADP
fsr-3245	70	22	historical	historical	ADJ
fsr-3245	70	23	tax	tax	NOUN
fsr-3245	70	24	returns	return	NOUN
fsr-3245	70	25	and	and	CCONJ
fsr-3245	70	26	planning	planning	NOUN
fsr-3245	70	27	for	for	ADP
fsr-3245	70	28	the	the	DET
fsr-3245	70	29	short	short	ADJ
fsr-3245	70	30	-	-	PUNCT
fsr-3245	70	31	term	term	NOUN
fsr-3245	70	32	(	(	PUNCT
fsr-3245	70	33	i.e.	i.e.	X
fsr-3245	70	34	,	,	PUNCT
fsr-3245	70	35	upcoming	upcoming	ADJ
fsr-3245	70	36	months	month	NOUN
fsr-3245	70	37	)	)	PUNCT
fsr-3245	70	38	,	,	PUNCT
fsr-3245	70	39	may	may	AUX
fsr-3245	70	40	be	be	AUX
fsr-3245	70	41	less	less	ADV
fsr-3245	70	42	future	future	ADJ
fsr-3245	70	43	oriented	orient	VERB
fsr-3245	70	44	than	than	ADP
fsr-3245	70	45	other	other	ADJ
fsr-3245	70	46	planners	planner	NOUN
fsr-3245	70	47	.	.	PUNCT
fsr-3245	71	1	this	this	DET
fsr-3245	71	2	notion	notion	NOUN
fsr-3245	71	3	appears	appear	VERB
fsr-3245	71	4	to	to	PART
fsr-3245	71	5	be	be	AUX
fsr-3245	71	6	supported	support	VERB
fsr-3245	71	7	by	by	ADP
fsr-3245	71	8	practitioner	practitioner	NOUN
fsr-3245	71	9	literature	literature	NOUN
fsr-3245	71	10	which	which	PRON
fsr-3245	71	11	suggests	suggest	VERB
fsr-3245	71	12	that	that	SCONJ
fsr-3245	71	13	while	while	SCONJ
fsr-3245	71	14	cpas	cpa	NOUN
fsr-3245	71	15	have	have	VERB
fsr-3245	71	16	a	a	DET
fsr-3245	71	17	number	number	NOUN
fsr-3245	71	18	of	of	ADP
fsr-3245	71	19	strengths	strength	NOUN
fsr-3245	71	20	to	to	PART
fsr-3245	71	21	draw	draw	VERB
fsr-3245	71	22	upon	upon	SCONJ
fsr-3245	71	23	when	when	SCONJ
fsr-3245	71	24	entering	enter	VERB
fsr-3245	71	25	the	the	DET
fsr-3245	71	26	field	field	NOUN
fsr-3245	71	27	of	of	ADP
fsr-3245	71	28	pfp	pfp	PROPN
fsr-3245	71	29	(	(	PUNCT
fsr-3245	71	30	e.g.	e.g.	ADV
fsr-3245	71	31	,	,	PUNCT
fsr-3245	71	32	technical	technical	ADJ
fsr-3245	71	33	knowledge	knowledge	NOUN
fsr-3245	71	34	,	,	PUNCT
fsr-3245	71	35	quantitative	quantitative	ADJ
fsr-3245	71	36	skills	skill	NOUN
fsr-3245	71	37	,	,	PUNCT
fsr-3245	71	38	and	and	CCONJ
fsr-3245	71	39	analytical	analytical	ADJ
fsr-3245	71	40	abilities	ability	NOUN
fsr-3245	71	41	)	)	PUNCT
fsr-3245	71	42	,	,	PUNCT
fsr-3245	71	43	they	they	PRON
fsr-3245	71	44	may	may	AUX
fsr-3245	71	45	also	also	ADV
fsr-3245	71	46	have	have	VERB
fsr-3245	71	47	difficulty	difficulty	NOUN
fsr-3245	71	48	with	with	ADP
fsr-3245	71	49	helping	help	VERB
fsr-3245	71	50	individuals	individual	NOUN
fsr-3245	71	51	plan	plan	VERB
fsr-3245	71	52	for	for	ADP
fsr-3245	71	53	the	the	DET
fsr-3245	71	54	long	long	ADJ
fsr-3245	71	55	-	-	PUNCT
fsr-3245	71	56	term	term	NOUN
fsr-3245	71	57	(	(	PUNCT
fsr-3245	71	58	aicpa	aicpa	PROPN
fsr-3245	71	59	,	,	PUNCT
fsr-3245	71	60	2005	2005	NUM
fsr-3245	71	61	;	;	PUNCT
fsr-3245	71	62	o’reilly	o’reilly	ADV
fsr-3245	71	63	,	,	PUNCT
fsr-3245	71	64	2000	2000	NUM
fsr-3245	71	65	;	;	PUNCT
fsr-3245	71	66	wolosky	wolosky	ADJ
fsr-3245	71	67	,	,	PUNCT
fsr-3245	71	68	2005	2005	NUM
fsr-3245	71	69	)	)	PUNCT
fsr-3245	71	70	.	.	PUNCT
fsr-3245	72	1	in	in	ADP
fsr-3245	72	2	contrast	contrast	NOUN
fsr-3245	72	3	,	,	PUNCT
fsr-3245	72	4	a	a	DET
fsr-3245	72	5	seasoned	season	VERB
fsr-3245	72	6	estate	estate	NOUN
fsr-3245	72	7	planning	planning	NOUN
fsr-3245	72	8	attorney	attorney	NOUN
fsr-3245	72	9	or	or	CCONJ
fsr-3245	72	10	life	life	NOUN
fsr-3245	72	11	insurance	insurance	NOUN
fsr-3245	72	12	advisor	advisor	NOUN
fsr-3245	72	13	,	,	PUNCT
fsr-3245	72	14	primarily	primarily	ADV
fsr-3245	72	15	working	work	VERB
fsr-3245	72	16	with	with	ADP
fsr-3245	72	17	clients	client	NOUN
fsr-3245	72	18	on	on	ADP
fsr-3245	72	19	long	long	ADJ
fsr-3245	72	20	-	-	PUNCT
fsr-3245	72	21	term	term	NOUN
fsr-3245	72	22	issues	issue	NOUN
fsr-3245	72	23	that	that	PRON
fsr-3245	72	24	span	span	VERB
fsr-3245	72	25	a	a	DET
fsr-3245	72	26	lifetime	lifetime	NOUN
fsr-3245	72	27	,	,	PUNCT
fsr-3245	72	28	may	may	AUX
fsr-3245	72	29	be	be	AUX
fsr-3245	72	30	more	more	ADV
fsr-3245	72	31	future	future	ADJ
fsr-3245	72	32	oriented	oriented	ADJ
fsr-3245	72	33	.	.	PUNCT
fsr-3245	73	1	if	if	SCONJ
fsr-3245	73	2	different	different	ADJ
fsr-3245	73	3	tp	tp	NOUN
fsr-3245	73	4	biases	bias	NOUN
fsr-3245	73	5	are	be	AUX
fsr-3245	73	6	associated	associate	VERB
fsr-3245	73	7	with	with	ADP
fsr-3245	73	8	professional	professional	ADJ
fsr-3245	73	9	experience	experience	NOUN
fsr-3245	73	10	,	,	PUNCT
fsr-3245	73	11	then	then	ADV
fsr-3245	73	12	there	there	PRON
fsr-3245	73	13	are	be	VERB
fsr-3245	73	14	important	important	ADJ
fsr-3245	73	15	implications	implication	NOUN
fsr-3245	73	16	for	for	ADP
fsr-3245	73	17	financial	financial	ADJ
fsr-3245	73	18	professionals	professional	NOUN
fsr-3245	73	19	of	of	ADP
fsr-3245	73	20	various	various	ADJ
fsr-3245	73	21	backgrounds	background	NOUN
fsr-3245	73	22	practicing	practice	VERB
fsr-3245	73	23	within	within	ADP
fsr-3245	73	24	the	the	DET
fsr-3245	73	25	same	same	ADJ
fsr-3245	73	26	field	field	NOUN
fsr-3245	73	27	.	.	PUNCT
fsr-3245	74	1	therefore	therefore	ADV
fsr-3245	74	2	,	,	PUNCT
fsr-3245	74	3	my	my	PRON
fsr-3245	74	4	second	second	ADJ
fsr-3245	74	5	hypothesis	hypothesis	NOUN
fsr-3245	74	6	is	be	AUX
fsr-3245	74	7	as	as	SCONJ
fsr-3245	74	8	follows	follow	VERB
fsr-3245	74	9	:	:	PUNCT
fsr-3245	74	10	hypothesis	hypothesis	NOUN
fsr-3245	74	11	2	2	NUM
fsr-3245	74	12	:	:	PUNCT
fsr-3245	74	13	financial	financial	ADJ
fsr-3245	74	14	planning	planning	NOUN
fsr-3245	74	15	practitioners	practitioner	NOUN
fsr-3245	74	16	from	from	ADP
fsr-3245	74	17	different	different	ADJ
fsr-3245	74	18	backgrounds	background	NOUN
fsr-3245	74	19	(	(	PUNCT
fsr-3245	74	20	e.g.	e.g.	ADV
fsr-3245	74	21	,	,	PUNCT
fsr-3245	74	22	accounting	accounting	NOUN
fsr-3245	74	23	,	,	PUNCT
fsr-3245	74	24	insurance	insurance	NOUN
fsr-3245	74	25	,	,	PUNCT
fsr-3245	74	26	investment	investment	NOUN
fsr-3245	74	27	)	)	PUNCT
fsr-3245	74	28	will	will	AUX
fsr-3245	74	29	exhibit	exhibit	VERB
fsr-3245	74	30	different	different	ADJ
fsr-3245	74	31	levels	level	NOUN
fsr-3245	74	32	of	of	ADP
fsr-3245	74	33	future	future	NOUN
fsr-3245	74	34	and	and	CCONJ
fsr-3245	74	35	present	present	ADJ
fsr-3245	74	36	tp	tp	NOUN
fsr-3245	74	37	.	.	PROPN
fsr-3245	74	38	2.4	2.4	NUM
fsr-3245	74	39	.	.	PUNCT
fsr-3245	75	1	impact	impact	NOUN
fsr-3245	75	2	of	of	ADP
fsr-3245	75	3	tp	tp	NOUN
fsr-3245	75	4	on	on	ADP
fsr-3245	75	5	financial	financial	ADJ
fsr-3245	75	6	planning	planning	NOUN
fsr-3245	75	7	decisions	decision	NOUN
fsr-3245	75	8	an	an	DET
fsr-3245	75	9	important	important	ADJ
fsr-3245	75	10	question	question	NOUN
fsr-3245	75	11	is	be	AUX
fsr-3245	75	12	whether	whether	SCONJ
fsr-3245	75	13	tp	tp	NOUN
fsr-3245	75	14	biases	bias	NOUN
fsr-3245	75	15	affect	affect	VERB
fsr-3245	75	16	professional	professional	ADJ
fsr-3245	75	17	financial	financial	ADJ
fsr-3245	75	18	planners	planner	NOUN
fsr-3245	75	19	’	’	PART
fsr-3245	75	20	judgment	judgment	NOUN
fsr-3245	75	21	and	and	CCONJ
fsr-3245	75	22	decision	decision	NOUN
fsr-3245	75	23	-	-	PUNCT
fsr-3245	75	24	making	making	NOUN
fsr-3245	75	25	,	,	PUNCT
fsr-3245	75	26	and	and	CCONJ
fsr-3245	75	27	ultimately	ultimately	ADV
fsr-3245	75	28	,	,	PUNCT
fsr-3245	75	29	their	their	PRON
fsr-3245	75	30	recommendations	recommendation	NOUN
fsr-3245	75	31	to	to	ADP
fsr-3245	75	32	clients	client	NOUN
fsr-3245	75	33	.	.	PUNCT
fsr-3245	76	1	as	as	SCONJ
fsr-3245	76	2	previously	previously	ADV
fsr-3245	76	3	noted	note	VERB
fsr-3245	76	4	,	,	PUNCT
fsr-3245	76	5	there	there	PRON
fsr-3245	76	6	is	be	VERB
fsr-3245	76	7	a	a	DET
fsr-3245	76	8	large	large	ADJ
fsr-3245	76	9	body	body	NOUN
fsr-3245	76	10	of	of	ADP
fsr-3245	76	11	research	research	NOUN
fsr-3245	76	12	that	that	PRON
fsr-3245	76	13	demonstrates	demonstrate	VERB
fsr-3245	76	14	the	the	DET
fsr-3245	76	15	impact	impact	NOUN
fsr-3245	76	16	of	of	ADP
fsr-3245	76	17	tp	tp	NOUN
fsr-3245	76	18	on	on	ADP
fsr-3245	76	19	behavior	behavior	NOUN
fsr-3245	76	20	in	in	ADP
fsr-3245	76	21	a	a	DET
fsr-3245	76	22	wide	wide	ADJ
fsr-3245	76	23	variety	variety	NOUN
fsr-3245	76	24	of	of	ADP
fsr-3245	76	25	personal	personal	ADJ
fsr-3245	76	26	decision	decision	NOUN
fsr-3245	76	27	-	-	PUNCT
fsr-3245	76	28	making	make	VERB
fsr-3245	76	29	contexts	contexts	NOUN
fsr-3245	76	30	.	.	PUNCT
fsr-3245	77	1	in	in	ADP
fsr-3245	77	2	financial	financial	ADJ
fsr-3245	77	3	planning	planning	NOUN
fsr-3245	77	4	,	,	PUNCT
fsr-3245	77	5	a	a	DET
fsr-3245	77	6	choice	choice	NOUN
fsr-3245	77	7	must	must	AUX
fsr-3245	77	8	often	often	ADV
fsr-3245	77	9	be	be	AUX
fsr-3245	77	10	made	make	VERB
fsr-3245	77	11	between	between	ADP
fsr-3245	77	12	a	a	DET
fsr-3245	77	13	planning	planning	NOUN
fsr-3245	77	14	strategy	strategy	NOUN
fsr-3245	77	15	that	that	PRON
fsr-3245	77	16	provides	provide	VERB
fsr-3245	77	17	more	more	ADJ
fsr-3245	77	18	current	current	ADJ
fsr-3245	77	19	rewards	reward	NOUN
fsr-3245	77	20	to	to	ADP
fsr-3245	77	21	the	the	DET
fsr-3245	77	22	client	client	NOUN
fsr-3245	77	23	and	and	CCONJ
fsr-3245	77	24	a	a	DET
fsr-3245	77	25	strategy	strategy	NOUN
fsr-3245	77	26	that	that	PRON
fsr-3245	77	27	results	result	VERB
fsr-3245	77	28	in	in	ADP
fsr-3245	77	29	more	more	ADJ
fsr-3245	77	30	long	long	ADJ
fsr-3245	77	31	-	-	PUNCT
fsr-3245	77	32	term	term	NOUN
fsr-3245	77	33	benefits	benefit	NOUN
fsr-3245	77	34	.	.	PUNCT
fsr-3245	78	1	the	the	DET
fsr-3245	78	2	tp	tp	PROPN
fsr-3245	78	3	research	research	NOUN
fsr-3245	78	4	suggests	suggest	VERB
fsr-3245	78	5	that	that	SCONJ
fsr-3245	78	6	planners	planner	NOUN
fsr-3245	78	7	with	with	ADP
fsr-3245	78	8	a	a	DET
fsr-3245	78	9	more	more	ADV
fsr-3245	78	10	present	present	ADJ
fsr-3245	78	11	(	(	PUNCT
fsr-3245	78	12	future	future	ADJ
fsr-3245	78	13	)	)	PUNCT
fsr-3245	78	14	orientation	orientation	NOUN
fsr-3245	78	15	would	would	AUX
fsr-3245	78	16	be	be	AUX
fsr-3245	78	17	more	more	ADV
fsr-3245	78	18	likely	likely	ADJ
fsr-3245	78	19	to	to	PART
fsr-3245	78	20	recommend	recommend	VERB
fsr-3245	78	21	the	the	DET
fsr-3245	78	22	strategy	strategy	NOUN
fsr-3245	78	23	with	with	ADP
fsr-3245	78	24	more	more	ADJ
fsr-3245	78	25	current	current	ADJ
fsr-3245	78	26	(	(	PUNCT
fsr-3245	78	27	long	long	ADJ
fsr-3245	78	28	-	-	PUNCT
fsr-3245	78	29	term	term	NOUN
fsr-3245	78	30	)	)	PUNCT
fsr-3245	78	31	benefits	benefit	NOUN
fsr-3245	78	32	.	.	PUNCT
fsr-3245	79	1	however	however	ADV
fsr-3245	79	2	,	,	PUNCT
fsr-3245	79	3	that	that	DET
fsr-3245	79	4	research	research	NOUN
fsr-3245	79	5	has	have	AUX
fsr-3245	79	6	not	not	PART
fsr-3245	79	7	examined	examine	VERB
fsr-3245	79	8	professional	professional	ADJ
fsr-3245	79	9	decision	decision	NOUN
fsr-3245	79	10	makers	maker	NOUN
fsr-3245	79	11	performing	perform	VERB
fsr-3245	79	12	job	job	NOUN
fsr-3245	79	13	related	relate	VERB
fsr-3245	79	14	tasks	task	NOUN
fsr-3245	79	15	.	.	PUNCT
fsr-3245	80	1	other	other	ADJ
fsr-3245	80	2	psychology	psychology	NOUN
fsr-3245	80	3	research	research	NOUN
fsr-3245	80	4	indicates	indicate	VERB
fsr-3245	80	5	that	that	SCONJ
fsr-3245	80	6	task	task	NOUN
fsr-3245	80	7	characteristics	characteristic	NOUN
fsr-3245	80	8	can	can	AUX
fsr-3245	80	9	mitigate	mitigate	VERB
fsr-3245	80	10	the	the	DET
fsr-3245	80	11	importance	importance	NOUN
fsr-3245	80	12	of	of	ADP
fsr-3245	80	13	individual	individual	ADJ
fsr-3245	80	14	characteristics	characteristic	NOUN
fsr-3245	80	15	(	(	PUNCT
fsr-3245	80	16	e.g.	e.g.	ADV
fsr-3245	80	17	,	,	PUNCT
fsr-3245	80	18	beach	beach	NOUN
fsr-3245	80	19	and	and	CCONJ
fsr-3245	80	20	mitchell	mitchell	PROPN
fsr-3245	80	21	,	,	PUNCT
fsr-3245	80	22	1978	1978	NUM
fsr-3245	80	23	;	;	PUNCT
fsr-3245	80	24	chervany	chervany	NOUN
fsr-3245	80	25	and	and	CCONJ
fsr-3245	80	26	dickson	dickson	PROPN
fsr-3245	80	27	,	,	PUNCT
fsr-3245	80	28	1978	1978	NUM
fsr-3245	80	29	;	;	PUNCT
fsr-3245	80	30	huber	huber	PROPN
fsr-3245	80	31	,	,	PUNCT
fsr-3245	80	32	1983	1983	NUM
fsr-3245	80	33	;	;	PUNCT
fsr-3245	80	34	payne	payne	PROPN
fsr-3245	80	35	,	,	PUNCT
fsr-3245	80	36	1982	1982	NUM
fsr-3245	80	37	;	;	PUNCT
fsr-3245	81	1	payne	payne	PROPN
fsr-3245	81	2	et	et	PROPN
fsr-3245	81	3	al	al	PROPN
fsr-3245	81	4	.	.	PROPN
fsr-3245	81	5	,	,	PUNCT
fsr-3245	81	6	1992	1992	NUM
fsr-3245	81	7	)	)	PUNCT
fsr-3245	81	8	,	,	PUNCT
fsr-3245	81	9	and	and	CCONJ
fsr-3245	81	10	that	that	DET
fsr-3245	81	11	judgment	judgment	NOUN
fsr-3245	81	12	biases	bias	NOUN
fsr-3245	81	13	may	may	AUX
fsr-3245	81	14	be	be	AUX
fsr-3245	81	15	reduced	reduce	VERB
fsr-3245	81	16	in	in	ADP
fsr-3245	81	17	settings	setting	NOUN
fsr-3245	81	18	where	where	SCONJ
fsr-3245	81	19	experienced	experienced	ADJ
fsr-3245	81	20	decision	decision	NOUN
fsr-3245	81	21	makers	maker	NOUN
fsr-3245	81	22	perform	perform	VERB
fsr-3245	81	23	tasks	task	NOUN
fsr-3245	81	24	for	for	ADP
fsr-3245	81	25	which	which	PRON
fsr-3245	81	26	they	they	PRON
fsr-3245	81	27	have	have	VERB
fsr-3245	81	28	significant	significant	ADJ
fsr-3245	81	29	knowledge	knowledge	NOUN
fsr-3245	81	30	and	and	CCONJ
fsr-3245	81	31	familiarity	familiarity	NOUN
fsr-3245	81	32	(	(	PUNCT
fsr-3245	81	33	berkeley	berkeley	PROPN
fsr-3245	81	34	and	and	CCONJ
fsr-3245	81	35	humphreys	humphreys	PROPN
fsr-3245	81	36	,	,	PUNCT
fsr-3245	81	37	1982	1982	NUM
fsr-3245	81	38	;	;	PUNCT
fsr-3245	81	39	ebbesen	ebbesen	NOUN
fsr-3245	81	40	and	and	CCONJ
fsr-3245	81	41	konecni	konecni	NOUN
fsr-3245	81	42	,	,	PUNCT
fsr-3245	81	43	1980	1980	NUM
fsr-3245	81	44	;	;	PUNCT
fsr-3245	81	45	edwards	edwards	PROPN
fsr-3245	81	46	,	,	PUNCT
fsr-3245	81	47	1983	1983	NUM
fsr-3245	81	48	;	;	PUNCT
fsr-3245	81	49	einhorn	einhorn	PROPN
fsr-3245	81	50	,	,	PUNCT
fsr-3245	81	51	1976	1976	NUM
fsr-3245	81	52	;	;	PUNCT
fsr-3245	81	53	fischoff	fischoff	NOUN
fsr-3245	81	54	,	,	PUNCT
fsr-3245	81	55	1982	1982	NUM
fsr-3245	81	56	,	,	PUNCT
fsr-3245	81	57	1987	1987	NUM
fsr-3245	81	58	;	;	PUNCT
fsr-3245	81	59	funder	funder	NOUN
fsr-3245	81	60	,	,	PUNCT
fsr-3245	81	61	1987	1987	NUM
fsr-3245	81	62	;	;	PUNCT
fsr-3245	81	63	hogarth	hogarth	NOUN
fsr-3245	81	64	,	,	PUNCT
fsr-3245	81	65	1981	1981	NUM
fsr-3245	81	66	;	;	PUNCT
fsr-3245	81	67	kida	kida	PROPN
fsr-3245	81	68	,	,	PUNCT
fsr-3245	81	69	moreno	moreno	PROPN
fsr-3245	81	70	,	,	PUNCT
fsr-3245	81	71	and	and	CCONJ
fsr-3245	81	72	smith	smith	PROPN
fsr-3245	81	73	,	,	PUNCT
fsr-3245	81	74	2010	2010	NUM
fsr-3245	81	75	;	;	PUNCT
fsr-3245	81	76	smith	smith	PROPN
fsr-3245	81	77	and	and	CCONJ
fsr-3245	81	78	kida	kida	PROPN
fsr-3245	81	79	,	,	PUNCT
fsr-3245	81	80	1991	1991	NUM
fsr-3245	81	81	)	)	PUNCT
fsr-3245	81	82	.	.	PUNCT
fsr-3245	82	1	for	for	ADP
fsr-3245	82	2	example	example	NOUN
fsr-3245	82	3	,	,	PUNCT
fsr-3245	82	4	smith	smith	PROPN
fsr-3245	82	5	and	and	CCONJ
fsr-3245	82	6	kida	kida	PROPN
fsr-3245	82	7	(	(	PUNCT
fsr-3245	82	8	1991	1991	NUM
fsr-3245	82	9	)	)	PUNCT
fsr-3245	82	10	review	review	VERB
fsr-3245	82	11	the	the	DET
fsr-3245	82	12	research	research	NOUN
fsr-3245	82	13	on	on	ADP
fsr-3245	82	14	professional	professional	ADJ
fsr-3245	82	15	auditor	auditor	NOUN
fsr-3245	82	16	judgments	judgment	NOUN
fsr-3245	82	17	and	and	CCONJ
fsr-3245	82	18	find	find	VERB
fsr-3245	82	19	that	that	SCONJ
fsr-3245	82	20	a	a	DET
fsr-3245	82	21	number	number	NOUN
fsr-3245	82	22	of	of	ADP
fsr-3245	82	23	heuristics	heuristic	NOUN
fsr-3245	82	24	and	and	CCONJ
fsr-3245	82	25	biases	bias	NOUN
fsr-3245	82	26	shown	show	VERB
fsr-3245	82	27	to	to	PART
fsr-3245	82	28	affect	affect	VERB
fsr-3245	82	29	judgment	judgment	NOUN
fsr-3245	82	30	in	in	ADP
fsr-3245	82	31	prior	prior	ADJ
fsr-3245	82	32	research	research	NOUN
fsr-3245	82	33	are	be	AUX
fsr-3245	82	34	often	often	ADV
fsr-3245	82	35	mitigated	mitigate	VERB
fsr-3245	82	36	or	or	CCONJ
fsr-3245	82	37	modified	modify	VERB
fsr-3245	82	38	in	in	ADP
fsr-3245	82	39	contexts	context	NOUN
fsr-3245	82	40	where	where	SCONJ
fsr-3245	82	41	expert	expert	ADJ
fsr-3245	82	42	decision	decision	NOUN
fsr-3245	82	43	makers	maker	NOUN
fsr-3245	82	44	perform	perform	VERB
fsr-3245	82	45	familiar	familiar	ADJ
fsr-3245	82	46	tasks	task	NOUN
fsr-3245	82	47	.	.	PUNCT
fsr-3245	83	1	thus	thus	ADV
fsr-3245	83	2	,	,	PUNCT
fsr-3245	83	3	it	it	PRON
fsr-3245	83	4	seems	seem	VERB
fsr-3245	83	5	unlikely	unlikely	ADJ
fsr-3245	83	6	that	that	SCONJ
fsr-3245	83	7	tp	tp	ADP
fsr-3245	83	8	biases	bias	NOUN
fsr-3245	83	9	would	would	AUX
fsr-3245	83	10	significantly	significantly	ADV
fsr-3245	83	11	impact	impact	VERB
fsr-3245	83	12	the	the	DET
fsr-3245	83	13	decisionmaking	decisionmaking	NOUN
fsr-3245	83	14	of	of	ADP
fsr-3245	83	15	financial	financial	ADJ
fsr-3245	83	16	advisors	advisor	NOUN
fsr-3245	83	17	performing	perform	VERB
fsr-3245	83	18	realistic	realistic	ADJ
fsr-3245	83	19	job	job	NOUN
fsr-3245	83	20	related	relate	VERB
fsr-3245	83	21	tasks	task	NOUN
fsr-3245	83	22	.	.	PUNCT
fsr-3245	84	1	therefore	therefore	ADV
fsr-3245	84	2	,	,	PUNCT
fsr-3245	84	3	my	my	PRON
fsr-3245	84	4	third	third	ADJ
fsr-3245	84	5	hypothesis	hypothesis	NOUN
fsr-3245	84	6	is	be	AUX
fsr-3245	84	7	as	as	SCONJ
fsr-3245	84	8	follows	follow	VERB
fsr-3245	84	9	:	:	PUNCT
fsr-3245	84	10	hypothesis	hypothesis	NOUN
fsr-3245	84	11	3	3	NUM
fsr-3245	84	12	:	:	PUNCT
fsr-3245	84	13	individual	individual	ADJ
fsr-3245	84	14	tp	tp	NOUN
fsr-3245	84	15	biases	bias	NOUN
fsr-3245	84	16	will	will	AUX
fsr-3245	84	17	not	not	PART
fsr-3245	84	18	affect	affect	VERB
fsr-3245	84	19	the	the	DET
fsr-3245	84	20	financial	financial	ADJ
fsr-3245	84	21	planning	planning	NOUN
fsr-3245	84	22	recommendations	recommendation	NOUN
fsr-3245	84	23	made	make	VERB
fsr-3245	84	24	by	by	ADP
fsr-3245	84	25	professional	professional	ADJ
fsr-3245	84	26	financial	financial	ADJ
fsr-3245	84	27	advisors	advisor	NOUN
fsr-3245	84	28	.	.	PUNCT
fsr-3245	85	1	391k.n	391k.n	X
fsr-3245	85	2	.	.	PUNCT
fsr-3245	85	3	ryack	ryack	NOUN
fsr-3245	85	4	/	/	SYM
fsr-3245	85	5	financial	financial	ADJ
fsr-3245	85	6	services	service	NOUN
fsr-3245	85	7	review	review	VERB
fsr-3245	85	8	24	24	NUM
fsr-3245	85	9	(	(	PUNCT
fsr-3245	85	10	2015	2015	NUM
fsr-3245	85	11	)	)	PUNCT
fsr-3245	85	12	387–410	387–410	NUM
fsr-3245	85	13	3	3	NUM
fsr-3245	85	14	.	.	PUNCT
fsr-3245	85	15	method	method	PROPN
fsr-3245	85	16	3.1	3.1	NUM
fsr-3245	85	17	.	.	PUNCT
fsr-3245	86	1	participants	participant	NOUN
fsr-3245	86	2	to	to	PART
fsr-3245	86	3	ensure	ensure	VERB
fsr-3245	86	4	that	that	SCONJ
fsr-3245	86	5	the	the	DET
fsr-3245	86	6	participants	participant	NOUN
fsr-3245	86	7	were	be	AUX
fsr-3245	86	8	experienced	experience	VERB
fsr-3245	86	9	professionals	professional	NOUN
fsr-3245	86	10	qualified	qualified	ADJ
fsr-3245	86	11	to	to	PART
fsr-3245	86	12	provide	provide	VERB
fsr-3245	86	13	comprehensive	comprehensive	ADJ
fsr-3245	86	14	personal	personal	ADJ
fsr-3245	86	15	financial	financial	ADJ
fsr-3245	86	16	planning	planning	NOUN
fsr-3245	86	17	services	service	NOUN
fsr-3245	86	18	,	,	PUNCT
fsr-3245	86	19	only	only	ADV
fsr-3245	86	20	certified	certify	VERB
fsr-3245	86	21	financial	financial	ADJ
fsr-3245	86	22	planners	planner	NOUN
fsr-3245	86	23	(	(	PUNCT
fsr-3245	86	24	cfp	cfp	PROPN
fsr-3245	86	25	®	®	PROPN
fsr-3245	86	26	)	)	PUNCT
fsr-3245	86	27	were	be	AUX
fsr-3245	86	28	used	use	VERB
fsr-3245	86	29	in	in	ADP
fsr-3245	86	30	the	the	DET
fsr-3245	86	31	study	study	NOUN
fsr-3245	86	32	.	.	PUNCT
fsr-3245	87	1	in	in	ADP
fsr-3245	87	2	order	order	NOUN
fsr-3245	87	3	to	to	PART
fsr-3245	87	4	earn	earn	VERB
fsr-3245	87	5	and	and	CCONJ
fsr-3245	87	6	maintain	maintain	VERB
fsr-3245	87	7	the	the	DET
fsr-3245	87	8	cfp	cfp	PROPN
fsr-3245	87	9	®	®	NOUN
fsr-3245	87	10	credential	credential	NOUN
fsr-3245	87	11	,	,	PUNCT
fsr-3245	87	12	a	a	DET
fsr-3245	87	13	financial	financial	ADJ
fsr-3245	87	14	advisor	advisor	NOUN
fsr-3245	87	15	must	must	AUX
fsr-3245	87	16	meet	meet	VERB
fsr-3245	87	17	minimum	minimum	ADJ
fsr-3245	87	18	education	education	NOUN
fsr-3245	87	19	requirements	requirement	NOUN
fsr-3245	87	20	,	,	PUNCT
fsr-3245	87	21	pass	pass	VERB
fsr-3245	87	22	the	the	DET
fsr-3245	87	23	comprehensive	comprehensive	ADJ
fsr-3245	87	24	cfp	cfp	PROPN
fsr-3245	87	25	®	®	NOUN
fsr-3245	87	26	certification	certification	NOUN
fsr-3245	87	27	examination	examination	NOUN
fsr-3245	87	28	,	,	PUNCT
fsr-3245	87	29	meet	meet	VERB
fsr-3245	87	30	a	a	DET
fsr-3245	87	31	minimum	minimum	ADJ
fsr-3245	87	32	experience	experience	NOUN
fsr-3245	87	33	requirement	requirement	NOUN
fsr-3245	87	34	,	,	PUNCT
fsr-3245	87	35	abide	abide	NOUN
fsr-3245	87	36	by	by	ADP
fsr-3245	87	37	the	the	DET
fsr-3245	87	38	cfp	cfp	PROPN
fsr-3245	87	39	®	®	PROPN
fsr-3245	87	40	board	board	PROPN
fsr-3245	87	41	’s	’s	PART
fsr-3245	87	42	code	code	NOUN
fsr-3245	87	43	of	of	ADP
fsr-3245	87	44	ethics	ethic	NOUN
fsr-3245	87	45	and	and	CCONJ
fsr-3245	87	46	professional	professional	ADJ
fsr-3245	87	47	responsibility	responsibility	NOUN
fsr-3245	87	48	and	and	CCONJ
fsr-3245	87	49	rules	rule	NOUN
fsr-3245	87	50	of	of	ADP
fsr-3245	87	51	conduct	conduct	NOUN
fsr-3245	87	52	,	,	PUNCT
fsr-3245	87	53	and	and	CCONJ
fsr-3245	87	54	comply	comply	VERB
fsr-3245	87	55	with	with	ADP
fsr-3245	87	56	the	the	DET
fsr-3245	87	57	financial	financial	ADJ
fsr-3245	87	58	planning	planning	NOUN
fsr-3245	87	59	practice	practice	NOUN
fsr-3245	87	60	standards	standard	NOUN
fsr-3245	87	61	(	(	PUNCT
fsr-3245	87	62	certified	certify	VERB
fsr-3245	87	63	financial	financial	ADJ
fsr-3245	87	64	planner	planner	NOUN
fsr-3245	87	65	board	board	NOUN
fsr-3245	87	66	of	of	ADP
fsr-3245	87	67	standards	standard	NOUN
fsr-3245	87	68	,	,	PUNCT
fsr-3245	87	69	2015	2015	NUM
fsr-3245	87	70	)	)	PUNCT
fsr-3245	87	71	.	.	PUNCT
fsr-3245	88	1	i	i	PRON
fsr-3245	88	2	used	use	VERB
fsr-3245	88	3	data	datum	NOUN
fsr-3245	88	4	previously	previously	ADV
fsr-3245	88	5	collected	collect	VERB
fsr-3245	88	6	by	by	ADP
fsr-3245	88	7	ryack	ryack	NOUN
fsr-3245	88	8	(	(	PUNCT
fsr-3245	88	9	2012	2012	NUM
fsr-3245	88	10	)	)	PUNCT
fsr-3245	88	11	.	.	PUNCT
fsr-3245	89	1	the	the	DET
fsr-3245	89	2	sample	sample	NOUN
fsr-3245	89	3	includes	include	VERB
fsr-3245	89	4	127	127	NUM
fsr-3245	89	5	cfp	cfp	NOUN
fsr-3245	89	6	®	®	NOUN
fsr-3245	89	7	certificants	certificant	NOUN
fsr-3245	89	8	that	that	PRON
fsr-3245	89	9	completed	complete	VERB
fsr-3245	89	10	an	an	DET
fsr-3245	89	11	online	online	ADJ
fsr-3245	89	12	instrument	instrument	NOUN
fsr-3245	89	13	.	.	PUNCT
fsr-3245	90	1	names	name	NOUN
fsr-3245	90	2	of	of	ADP
fsr-3245	90	3	cfp	cfp	PROPN
fsr-3245	90	4	®	®	NOUN
fsr-3245	90	5	certificants	certificant	NOUN
fsr-3245	90	6	were	be	AUX
fsr-3245	90	7	obtained	obtain	VERB
fsr-3245	90	8	through	through	ADP
fsr-3245	90	9	internet	internet	NOUN
fsr-3245	90	10	searches	search	NOUN
fsr-3245	90	11	and	and	CCONJ
fsr-3245	90	12	through	through	ADP
fsr-3245	90	13	referrals	referral	NOUN
fsr-3245	90	14	from	from	ADP
fsr-3245	90	15	officers	officer	NOUN
fsr-3245	90	16	of	of	ADP
fsr-3245	90	17	various	various	ADJ
fsr-3245	90	18	financial	financial	ADJ
fsr-3245	90	19	planning	planning	NOUN
fsr-3245	90	20	association	association	NOUN
fsr-3245	90	21	branches	branch	NOUN
fsr-3245	90	22	.	.	PUNCT
fsr-3245	91	1	contact	contact	NOUN
fsr-3245	91	2	was	be	AUX
fsr-3245	91	3	initially	initially	ADV
fsr-3245	91	4	made	make	VERB
fsr-3245	91	5	with	with	ADP
fsr-3245	91	6	approximately	approximately	ADV
fsr-3245	91	7	210	210	NUM
fsr-3245	91	8	cfp	cfp	NOUN
fsr-3245	91	9	®	®	NOUN
fsr-3245	91	10	certificants	certificant	NOUN
fsr-3245	91	11	.	.	PUNCT
fsr-3245	92	1	the	the	DET
fsr-3245	92	2	link	link	NOUN
fsr-3245	92	3	to	to	ADP
fsr-3245	92	4	the	the	DET
fsr-3245	92	5	online	online	ADJ
fsr-3245	92	6	instrument	instrument	NOUN
fsr-3245	92	7	was	be	AUX
fsr-3245	92	8	emailed	email	VERB
fsr-3245	92	9	to	to	ADP
fsr-3245	92	10	180	180	NUM
fsr-3245	92	11	qualified	qualified	ADJ
fsr-3245	92	12	advisors	advisor	NOUN
fsr-3245	92	13	who	who	PRON
fsr-3245	92	14	agreed	agree	VERB
fsr-3245	92	15	to	to	PART
fsr-3245	92	16	participate	participate	VERB
fsr-3245	92	17	after	after	ADP
fsr-3245	92	18	22	22	NUM
fsr-3245	92	19	declined	decline	VERB
fsr-3245	92	20	to	to	PART
fsr-3245	92	21	participate	participate	VERB
fsr-3245	92	22	and	and	CCONJ
fsr-3245	92	23	an	an	DET
fsr-3245	92	24	additional	additional	ADJ
fsr-3245	92	25	nine	nine	NUM
fsr-3245	92	26	were	be	AUX
fsr-3245	92	27	determined	determine	VERB
fsr-3245	92	28	to	to	PART
fsr-3245	92	29	be	be	AUX
fsr-3245	92	30	unqualified	unqualified	ADJ
fsr-3245	92	31	because	because	SCONJ
fsr-3245	92	32	they	they	PRON
fsr-3245	92	33	were	be	AUX
fsr-3245	92	34	not	not	PART
fsr-3245	92	35	actively	actively	ADV
fsr-3245	92	36	engaged	engage	VERB
fsr-3245	92	37	in	in	ADP
fsr-3245	92	38	providing	provide	VERB
fsr-3245	92	39	financial	financial	ADJ
fsr-3245	92	40	planning	planning	NOUN
fsr-3245	92	41	services	service	NOUN
fsr-3245	92	42	.	.	PUNCT
fsr-3245	93	1	of	of	ADP
fsr-3245	93	2	that	that	DET
fsr-3245	93	3	group	group	NOUN
fsr-3245	93	4	,	,	PUNCT
fsr-3245	93	5	136	136	NUM
fsr-3245	93	6	planners	planner	NOUN
fsr-3245	93	7	actually	actually	ADV
fsr-3245	93	8	logged	log	VERB
fsr-3245	93	9	on	on	ADP
fsr-3245	93	10	to	to	PART
fsr-3245	93	11	complete	complete	VERB
fsr-3245	93	12	the	the	DET
fsr-3245	93	13	instrument	instrument	NOUN
fsr-3245	93	14	and	and	CCONJ
fsr-3245	93	15	nine	nine	NUM
fsr-3245	93	16	of	of	ADP
fsr-3245	93	17	them	they	PRON
fsr-3245	93	18	were	be	AUX
fsr-3245	93	19	excluded	exclude	VERB
fsr-3245	93	20	because	because	SCONJ
fsr-3245	93	21	their	their	PRON
fsr-3245	93	22	responses	response	NOUN
fsr-3245	93	23	were	be	AUX
fsr-3245	93	24	only	only	ADV
fsr-3245	93	25	partially	partially	ADV
fsr-3245	93	26	complete	complete	ADJ
fsr-3245	93	27	.	.	PUNCT
fsr-3245	94	1	the	the	DET
fsr-3245	94	2	participants	participant	NOUN
fsr-3245	94	3	came	come	VERB
fsr-3245	94	4	from	from	ADP
fsr-3245	94	5	17	17	NUM
fsr-3245	94	6	states	state	NOUN
fsr-3245	94	7	where	where	SCONJ
fsr-3245	94	8	,	,	PUNCT
fsr-3245	94	9	according	accord	VERB
fsr-3245	94	10	to	to	ADP
fsr-3245	94	11	cfp	cfp	PROPN
fsr-3245	94	12	®	®	PROPN
fsr-3245	94	13	board	board	NOUN
fsr-3245	94	14	statistics	statistic	NOUN
fsr-3245	94	15	,	,	PUNCT
fsr-3245	94	16	roughly	roughly	ADV
fsr-3245	94	17	75	75	NUM
fsr-3245	94	18	%	%	NOUN
fsr-3245	94	19	of	of	ADP
fsr-3245	94	20	all	all	DET
fsr-3245	94	21	cfp	cfp	PROPN
fsr-3245	94	22	®	®	NOUN
fsr-3245	94	23	certificants	certificant	NOUN
fsr-3245	94	24	were	be	AUX
fsr-3245	94	25	registered	register	VERB
fsr-3245	94	26	at	at	ADP
fsr-3245	94	27	the	the	DET
fsr-3245	94	28	time	time	NOUN
fsr-3245	94	29	the	the	DET
fsr-3245	94	30	study	study	NOUN
fsr-3245	94	31	commenced	commence	VERB
fsr-3245	94	32	(	(	PUNCT
fsr-3245	94	33	certified	certify	VERB
fsr-3245	94	34	financial	financial	ADJ
fsr-3245	94	35	planner	planner	NOUN
fsr-3245	94	36	board	board	NOUN
fsr-3245	94	37	of	of	ADP
fsr-3245	94	38	standards	standard	NOUN
fsr-3245	94	39	,	,	PUNCT
fsr-3245	94	40	2006	2006	NUM
fsr-3245	94	41	)	)	PUNCT
fsr-3245	94	42	.	.	PUNCT
fsr-3245	95	1	as	as	SCONJ
fsr-3245	95	2	shown	show	VERB
fsr-3245	95	3	in	in	ADP
fsr-3245	95	4	table	table	NOUN
fsr-3245	95	5	1	1	NUM
fsr-3245	95	6	,	,	PUNCT
fsr-3245	95	7	the	the	DET
fsr-3245	95	8	participants	participant	NOUN
fsr-3245	95	9	included	include	VERB
fsr-3245	95	10	98	98	NUM
fsr-3245	95	11	(	(	PUNCT
fsr-3245	95	12	77.2	77.2	NUM
fsr-3245	95	13	%	%	NOUN
fsr-3245	95	14	)	)	PUNCT
fsr-3245	95	15	men	man	NOUN
fsr-3245	95	16	and	and	CCONJ
fsr-3245	95	17	29	29	NUM
fsr-3245	95	18	(	(	PUNCT
fsr-3245	95	19	22.8	22.8	NUM
fsr-3245	95	20	%	%	NOUN
fsr-3245	95	21	)	)	PUNCT
fsr-3245	95	22	women	woman	NOUN
fsr-3245	95	23	.	.	PUNCT
fsr-3245	96	1	this	this	PRON
fsr-3245	96	2	is	be	AUX
fsr-3245	96	3	consistent	consistent	ADJ
fsr-3245	96	4	with	with	ADP
fsr-3245	96	5	the	the	DET
fsr-3245	96	6	population	population	NOUN
fsr-3245	96	7	of	of	ADP
fsr-3245	96	8	men	man	NOUN
fsr-3245	96	9	(	(	PUNCT
fsr-3245	96	10	76.5	76.5	NUM
fsr-3245	96	11	%	%	NOUN
fsr-3245	96	12	)	)	PUNCT
fsr-3245	96	13	and	and	CCONJ
fsr-3245	96	14	women	woman	NOUN
fsr-3245	96	15	(	(	PUNCT
fsr-3245	96	16	23.4	23.4	NUM
fsr-3245	96	17	%	%	NOUN
fsr-3245	96	18	)	)	PUNCT
fsr-3245	96	19	holding	hold	VERB
fsr-3245	96	20	cfp	cfp	PROPN
fsr-3245	96	21	®	®	NOUN
fsr-3245	96	22	certifications	certification	NOUN
fsr-3245	96	23	at	at	ADP
fsr-3245	96	24	the	the	DET
fsr-3245	96	25	time	time	NOUN
fsr-3245	96	26	the	the	DET
fsr-3245	96	27	data	datum	NOUN
fsr-3245	96	28	were	be	AUX
fsr-3245	96	29	collected	collect	VERB
fsr-3245	96	30	(	(	PUNCT
fsr-3245	96	31	certified	certify	VERB
fsr-3245	96	32	financial	financial	ADJ
fsr-3245	96	33	planner	planner	NOUN
fsr-3245	96	34	board	board	NOUN
fsr-3245	96	35	of	of	ADP
fsr-3245	96	36	standards	standard	NOUN
fsr-3245	96	37	,	,	PUNCT
fsr-3245	96	38	2006	2006	NUM
fsr-3245	96	39	)	)	PUNCT
fsr-3245	96	40	.	.	PUNCT
fsr-3245	97	1	their	their	PRON
fsr-3245	97	2	mean	mean	ADJ
fsr-3245	97	3	age	age	NOUN
fsr-3245	97	4	was	be	AUX
fsr-3245	97	5	approximately	approximately	ADV
fsr-3245	97	6	46	46	NUM
fsr-3245	97	7	years	year	NOUN
fsr-3245	97	8	old	old	ADJ
fsr-3245	97	9	and	and	CCONJ
fsr-3245	97	10	they	they	PRON
fsr-3245	97	11	had	have	VERB
fsr-3245	97	12	an	an	DET
fsr-3245	97	13	average	average	NOUN
fsr-3245	97	14	of	of	ADP
fsr-3245	97	15	approximately	approximately	ADV
fsr-3245	97	16	11	11	NUM
fsr-3245	97	17	years	year	NOUN
fsr-3245	97	18	of	of	ADP
fsr-3245	97	19	experience	experience	NOUN
fsr-3245	97	20	as	as	ADP
fsr-3245	97	21	a	a	DET
fsr-3245	97	22	financial	financial	ADJ
fsr-3245	97	23	planner	planner	NOUN
fsr-3245	97	24	.	.	PUNCT
fsr-3245	98	1	the	the	DET
fsr-3245	98	2	sample	sample	NOUN
fsr-3245	98	3	included	include	VERB
fsr-3245	98	4	19	19	NUM
fsr-3245	98	5	planners	planner	NOUN
fsr-3245	98	6	from	from	ADP
fsr-3245	98	7	accounting	accounting	NOUN
fsr-3245	98	8	firms	firm	NOUN
fsr-3245	98	9	,	,	PUNCT
fsr-3245	98	10	18	18	NUM
fsr-3245	98	11	from	from	ADP
fsr-3245	98	12	insurance	insurance	NOUN
fsr-3245	98	13	firms	firm	NOUN
fsr-3245	98	14	,	,	PUNCT
fsr-3245	98	15	32	32	NUM
fsr-3245	98	16	from	from	ADP
fsr-3245	98	17	securities	security	NOUN
fsr-3245	98	18	firms	firm	NOUN
fsr-3245	98	19	,	,	PUNCT
fsr-3245	98	20	and	and	CCONJ
fsr-3245	98	21	58	58	NUM
fsr-3245	98	22	from	from	ADP
fsr-3245	98	23	general	general	ADJ
fsr-3245	98	24	financial	financial	ADJ
fsr-3245	98	25	planning	planning	NOUN
fsr-3245	98	26	firms	firm	NOUN
fsr-3245	98	27	.	.	PUNCT
fsr-3245	99	1	the	the	DET
fsr-3245	99	2	number	number	NOUN
fsr-3245	99	3	of	of	ADP
fsr-3245	99	4	respondents	respondent	NOUN
fsr-3245	99	5	from	from	ADP
fsr-3245	99	6	the	the	DET
fsr-3245	99	7	various	various	ADJ
fsr-3245	99	8	backgrounds	background	NOUN
fsr-3245	99	9	was	be	AUX
fsr-3245	99	10	not	not	PART
fsr-3245	99	11	equal	equal	ADJ
fsr-3245	99	12	because	because	SCONJ
fsr-3245	99	13	it	it	PRON
fsr-3245	99	14	was	be	AUX
fsr-3245	99	15	often	often	ADV
fsr-3245	99	16	difficult	difficult	ADJ
fsr-3245	99	17	to	to	PART
fsr-3245	99	18	determine	determine	VERB
fsr-3245	99	19	the	the	DET
fsr-3245	99	20	type	type	NOUN
fsr-3245	99	21	of	of	ADP
fsr-3245	99	22	firm	firm	NOUN
fsr-3245	99	23	a	a	DET
fsr-3245	99	24	person	person	NOUN
fsr-3245	99	25	worked	work	VERB
fsr-3245	99	26	for	for	ADP
fsr-3245	99	27	before	before	ADP
fsr-3245	99	28	making	make	VERB
fsr-3245	99	29	contact	contact	NOUN
fsr-3245	99	30	and	and	CCONJ
fsr-3245	99	31	there	there	PRON
fsr-3245	99	32	was	be	VERB
fsr-3245	99	33	no	no	DET
fsr-3245	99	34	way	way	NOUN
fsr-3245	99	35	to	to	PART
fsr-3245	99	36	predict	predict	VERB
fsr-3245	99	37	actual	actual	ADJ
fsr-3245	99	38	response	response	NOUN
fsr-3245	99	39	rates	rate	NOUN
fsr-3245	99	40	.	.	PUNCT
fsr-3245	100	1	3.2	3.2	NUM
fsr-3245	100	2	.	.	PUNCT
fsr-3245	101	1	instrument	instrument	NOUN
fsr-3245	101	2	participants	participant	NOUN
fsr-3245	101	3	completed	complete	VERB
fsr-3245	101	4	a	a	DET
fsr-3245	101	5	three	three	NUM
fsr-3245	101	6	part	part	NOUN
fsr-3245	101	7	online	online	ADJ
fsr-3245	101	8	instrument	instrument	NOUN
fsr-3245	101	9	.	.	PUNCT
fsr-3245	102	1	the	the	DET
fsr-3245	102	2	first	first	ADJ
fsr-3245	102	3	part	part	NOUN
fsr-3245	102	4	included	include	VERB
fsr-3245	102	5	four	four	NUM
fsr-3245	102	6	short	short	ADJ
fsr-3245	102	7	pfp	pfp	PROPN
fsr-3245	102	8	cases	case	NOUN
fsr-3245	102	9	that	that	PRON
fsr-3245	102	10	were	be	AUX
fsr-3245	102	11	created	create	VERB
fsr-3245	102	12	with	with	ADP
fsr-3245	102	13	the	the	DET
fsr-3245	102	14	assistance	assistance	NOUN
fsr-3245	102	15	of	of	ADP
fsr-3245	102	16	a	a	DET
fsr-3245	102	17	former	former	ADJ
fsr-3245	102	18	chair	chair	NOUN
fsr-3245	102	19	of	of	ADP
fsr-3245	102	20	the	the	DET
fsr-3245	102	21	(	(	PUNCT
fsr-3245	102	22	cfp	cfp	PROPN
fsr-3245	102	23	®	®	PROPN
fsr-3245	102	24	)	)	PUNCT
fsr-3245	102	25	board	board	NOUN
fsr-3245	102	26	examinations	examination	NOUN
fsr-3245	102	27	committee	committee	NOUN
fsr-3245	102	28	and	and	CCONJ
fsr-3245	102	29	were	be	AUX
fsr-3245	102	30	reviewed	review	VERB
fsr-3245	102	31	by	by	ADP
fsr-3245	102	32	three	three	NUM
fsr-3245	102	33	expert	expert	ADJ
fsr-3245	102	34	planners	planner	NOUN
fsr-3245	102	35	.	.	PUNCT
fsr-3245	103	1	the	the	DET
fsr-3245	103	2	cases	case	NOUN
fsr-3245	103	3	were	be	AUX
fsr-3245	103	4	also	also	ADV
fsr-3245	103	5	revised	revise	VERB
fsr-3245	103	6	after	after	ADP
fsr-3245	103	7	reviewing	review	VERB
fsr-3245	103	8	the	the	DET
fsr-3245	103	9	results	result	NOUN
fsr-3245	103	10	of	of	ADP
fsr-3245	103	11	a	a	DET
fsr-3245	103	12	pretest	pretest	NOUN
fsr-3245	103	13	with	with	ADP
fsr-3245	103	14	planners	planner	NOUN
fsr-3245	103	15	from	from	ADP
fsr-3245	103	16	different	different	ADJ
fsr-3245	103	17	backgrounds	background	NOUN
fsr-3245	103	18	who	who	PRON
fsr-3245	103	19	were	be	AUX
fsr-3245	103	20	solicited	solicit	VERB
fsr-3245	103	21	in	in	ADP
fsr-3245	103	22	the	the	DET
fsr-3245	103	23	same	same	ADJ
fsr-3245	103	24	manner	manner	NOUN
fsr-3245	103	25	as	as	ADP
fsr-3245	103	26	the	the	DET
fsr-3245	103	27	study	study	NOUN
fsr-3245	103	28	’s	’s	PART
fsr-3245	103	29	participants	participant	NOUN
fsr-3245	103	30	.	.	PUNCT
fsr-3245	104	1	each	each	DET
fsr-3245	104	2	case	case	NOUN
fsr-3245	104	3	contained	contain	VERB
fsr-3245	104	4	background	background	NOUN
fsr-3245	104	5	information	information	NOUN
fsr-3245	104	6	on	on	ADP
fsr-3245	104	7	a	a	DET
fsr-3245	104	8	client	client	NOUN
fsr-3245	104	9	and	and	CCONJ
fsr-3245	104	10	two	two	NUM
fsr-3245	104	11	alternative	alternative	ADJ
fsr-3245	104	12	planning	planning	NOUN
fsr-3245	104	13	strategies	strategy	NOUN
fsr-3245	104	14	.	.	PUNCT
fsr-3245	105	1	the	the	DET
fsr-3245	105	2	three	three	NUM
fsr-3245	105	3	expert	expert	ADJ
fsr-3245	105	4	planners	planner	NOUN
fsr-3245	105	5	that	that	PRON
fsr-3245	105	6	reviewed	review	VERB
fsr-3245	105	7	the	the	DET
fsr-3245	105	8	instrument	instrument	NOUN
fsr-3245	105	9	before	before	ADP
fsr-3245	105	10	pretesting	preteste	VERB
fsr-3245	105	11	agreed	agree	VERB
fsr-3245	105	12	that	that	SCONJ
fsr-3245	105	13	for	for	ADP
fsr-3245	105	14	all	all	DET
fsr-3245	105	15	the	the	DET
fsr-3245	105	16	cases	case	NOUN
fsr-3245	105	17	,	,	PUNCT
fsr-3245	105	18	one	one	NUM
fsr-3245	105	19	strategy	strategy	NOUN
fsr-3245	105	20	provided	provide	VERB
fsr-3245	105	21	more	more	ADJ
fsr-3245	105	22	current	current	ADJ
fsr-3245	105	23	benefits	benefit	NOUN
fsr-3245	105	24	whereas	whereas	SCONJ
fsr-3245	105	25	the	the	DET
fsr-3245	105	26	other	other	ADJ
fsr-3245	105	27	strategy	strategy	NOUN
fsr-3245	105	28	had	have	VERB
fsr-3245	105	29	more	more	ADJ
fsr-3245	105	30	long	long	ADJ
fsr-3245	105	31	-	-	PUNCT
fsr-3245	105	32	term	term	NOUN
fsr-3245	105	33	392	392	NUM
fsr-3245	105	34	k.n	k.n	PROPN
fsr-3245	105	35	.	.	PROPN
fsr-3245	105	36	ryack	ryack	PROPN
fsr-3245	105	37	/	/	SYM
fsr-3245	105	38	financial	financial	ADJ
fsr-3245	105	39	services	service	NOUN
fsr-3245	105	40	review	review	VERB
fsr-3245	105	41	24	24	NUM
fsr-3245	105	42	(	(	PUNCT
fsr-3245	105	43	2015	2015	NUM
fsr-3245	105	44	)	)	PUNCT
fsr-3245	105	45	387–410	387–410	NUM
fsr-3245	105	46	benefits	benefit	NOUN
fsr-3245	105	47	.	.	PUNCT
fsr-3245	106	1	the	the	DET
fsr-3245	106	2	experts	expert	NOUN
fsr-3245	106	3	further	far	ADV
fsr-3245	106	4	agreed	agree	VERB
fsr-3245	106	5	that	that	SCONJ
fsr-3245	106	6	these	these	DET
fsr-3245	106	7	differences	difference	NOUN
fsr-3245	106	8	were	be	AUX
fsr-3245	106	9	easily	easily	ADV
fsr-3245	106	10	identifiable	identifiable	ADJ
fsr-3245	106	11	as	as	ADP
fsr-3245	106	12	current	current	ADJ
fsr-3245	106	13	versus	versus	ADP
fsr-3245	106	14	long	long	ADJ
fsr-3245	106	15	-	-	PUNCT
fsr-3245	106	16	term	term	NOUN
fsr-3245	106	17	in	in	ADP
fsr-3245	106	18	each	each	PRON
fsr-3245	106	19	of	of	ADP
fsr-3245	106	20	the	the	DET
fsr-3245	106	21	cases	case	NOUN
fsr-3245	106	22	.	.	PUNCT
fsr-3245	107	1	after	after	ADP
fsr-3245	107	2	reading	read	VERB
fsr-3245	107	3	each	each	DET
fsr-3245	107	4	case	case	NOUN
fsr-3245	107	5	,	,	PUNCT
fsr-3245	107	6	the	the	DET
fsr-3245	107	7	study	study	NOUN
fsr-3245	107	8	participants	participant	NOUN
fsr-3245	107	9	were	be	AUX
fsr-3245	107	10	asked	ask	VERB
fsr-3245	107	11	to	to	PART
fsr-3245	107	12	respond	respond	VERB
fsr-3245	107	13	to	to	ADP
fsr-3245	107	14	a	a	DET
fsr-3245	107	15	six	six	NUM
fsr-3245	107	16	-	-	PUNCT
fsr-3245	107	17	point	point	NOUN
fsr-3245	107	18	scale	scale	NOUN
fsr-3245	107	19	that	that	PRON
fsr-3245	107	20	indicated	indicate	VERB
fsr-3245	107	21	his	his	PRON
fsr-3245	107	22	or	or	CCONJ
fsr-3245	107	23	her	her	PRON
fsr-3245	107	24	preference	preference	NOUN
fsr-3245	107	25	for	for	ADP
fsr-3245	107	26	one	one	NUM
fsr-3245	107	27	of	of	ADP
fsr-3245	107	28	the	the	DET
fsr-3245	107	29	alternatives	alternative	NOUN
fsr-3245	107	30	as	as	ADV
fsr-3245	107	31	well	well	ADV
fsr-3245	107	32	as	as	ADP
fsr-3245	107	33	their	their	PRON
fsr-3245	107	34	degree	degree	NOUN
fsr-3245	107	35	of	of	ADP
fsr-3245	107	36	preference	preference	NOUN
fsr-3245	107	37	.	.	PUNCT
fsr-3245	108	1	scale	scale	NOUN
fsr-3245	108	2	responses	response	VERB
fsr-3245	108	3	one	one	NOUN
fsr-3245	108	4	through	through	ADP
fsr-3245	108	5	three	three	NUM
fsr-3245	108	6	indicated	indicate	VERB
fsr-3245	108	7	a	a	DET
fsr-3245	108	8	preference	preference	NOUN
fsr-3245	108	9	for	for	ADP
fsr-3245	108	10	the	the	DET
fsr-3245	108	11	first	first	ADJ
fsr-3245	108	12	alternative	alternative	NOUN
fsr-3245	108	13	(	(	PUNCT
fsr-3245	108	14	1	1	NUM
fsr-3245	108	15	�	�	PROPN
fsr-3245	108	16	strong	strong	ADJ
fsr-3245	108	17	preference	preference	NOUN
fsr-3245	108	18	,	,	PUNCT
fsr-3245	108	19	2	2	NUM
fsr-3245	108	20	�	�	NOUN
fsr-3245	108	21	moderate	moderate	ADJ
fsr-3245	108	22	preference	preference	NOUN
fsr-3245	108	23	,	,	PUNCT
fsr-3245	108	24	3	3	NUM
fsr-3245	108	25	�	�	PROPN
fsr-3245	108	26	slight	slight	ADJ
fsr-3245	108	27	preference	preference	NOUN
fsr-3245	108	28	)	)	PUNCT
fsr-3245	108	29	,	,	PUNCT
fsr-3245	108	30	while	while	SCONJ
fsr-3245	108	31	four	four	NUM
fsr-3245	108	32	through	through	ADP
fsr-3245	108	33	six	six	NUM
fsr-3245	108	34	indicated	indicate	VERB
fsr-3245	108	35	a	a	DET
fsr-3245	108	36	preference	preference	NOUN
fsr-3245	108	37	for	for	ADP
fsr-3245	108	38	the	the	DET
fsr-3245	108	39	second	second	ADJ
fsr-3245	108	40	alternative	alternative	NOUN
fsr-3245	108	41	(	(	PUNCT
fsr-3245	108	42	4	4	NUM
fsr-3245	108	43	�	�	PROPN
fsr-3245	108	44	slight	slight	ADJ
fsr-3245	108	45	preference	preference	NOUN
fsr-3245	108	46	,	,	PUNCT
fsr-3245	108	47	5	5	NUM
fsr-3245	108	48	�	�	PROPN
fsr-3245	108	49	moderate	moderate	ADJ
fsr-3245	108	50	preference	preference	NOUN
fsr-3245	108	51	,	,	PUNCT
fsr-3245	108	52	6	6	NUM
fsr-3245	108	53	�	�	NOUN
fsr-3245	108	54	strong	strong	ADJ
fsr-3245	108	55	preference	preference	NOUN
fsr-3245	108	56	)	)	PUNCT
fsr-3245	108	57	.	.	PUNCT
fsr-3245	109	1	the	the	DET
fsr-3245	109	2	cases	case	NOUN
fsr-3245	109	3	were	be	AUX
fsr-3245	109	4	used	use	VERB
fsr-3245	109	5	specifically	specifically	ADV
fsr-3245	109	6	to	to	PART
fsr-3245	109	7	test	test	VERB
fsr-3245	109	8	hypothesis	hypothesis	NOUN
fsr-3245	109	9	3	3	NUM
fsr-3245	109	10	and	and	CCONJ
fsr-3245	109	11	they	they	PRON
fsr-3245	109	12	assessed	assess	VERB
fsr-3245	109	13	the	the	DET
fsr-3245	109	14	financial	financial	ADJ
fsr-3245	109	15	advisors	advisor	NOUN
fsr-3245	109	16	’	'	PUNCT
fsr-3245	109	17	decisions	decision	NOUN
fsr-3245	109	18	across	across	ADP
fsr-3245	109	19	a	a	DET
fsr-3245	109	20	number	number	NOUN
fsr-3245	109	21	of	of	ADP
fsr-3245	109	22	contexts	context	NOUN
fsr-3245	109	23	often	often	ADV
fsr-3245	109	24	encountered	encounter	VERB
fsr-3245	109	25	in	in	ADP
fsr-3245	109	26	financial	financial	ADJ
fsr-3245	109	27	planning	planning	NOUN
fsr-3245	109	28	.	.	PUNCT
fsr-3245	110	1	various	various	ADJ
fsr-3245	110	2	scenarios	scenario	NOUN
fsr-3245	110	3	were	be	AUX
fsr-3245	110	4	presented	present	VERB
fsr-3245	110	5	that	that	SCONJ
fsr-3245	110	6	reflected	reflect	VERB
fsr-3245	110	7	multiple	multiple	ADJ
fsr-3245	110	8	decision	decision	NOUN
fsr-3245	110	9	table	table	NOUN
fsr-3245	110	10	1	1	NUM
fsr-3245	110	11	demographic	demographic	ADJ
fsr-3245	110	12	statistics	statistic	NOUN
fsr-3245	110	13	of	of	ADP
fsr-3245	110	14	the	the	DET
fsr-3245	110	15	financial	financial	ADJ
fsr-3245	110	16	advisors	advisor	NOUN
fsr-3245	110	17	variable	variable	ADJ
fsr-3245	110	18	n	n	PRON
fsr-3245	110	19	%	%	NOUN
fsr-3245	110	20	age	age	NOUN
fsr-3245	110	21	(	(	PUNCT
fsr-3245	110	22	in	in	ADP
fsr-3245	110	23	years	year	NOUN
fsr-3245	110	24	)	)	PUNCT
fsr-3245	110	25	range	range	NOUN
fsr-3245	110	26	26–67	26–67	NUM
fsr-3245	110	27	mean	mean	VERB
fsr-3245	110	28	46.2	46.2	NUM
fsr-3245	110	29	median	median	NOUN
fsr-3245	110	30	47.0	47.0	NUM
fsr-3245	110	31	gender	gender	NOUN
fsr-3245	110	32	male	male	NOUN
fsr-3245	110	33	98	98	NUM
fsr-3245	110	34	77.2	77.2	NUM
fsr-3245	110	35	%	%	NOUN
fsr-3245	110	36	female	female	ADJ
fsr-3245	110	37	29	29	NUM
fsr-3245	110	38	22.8	22.8	NUM
fsr-3245	110	39	%	%	NOUN
fsr-3245	110	40	highest	high	ADJ
fsr-3245	110	41	degree	degree	NOUN
fsr-3245	110	42	held	hold	VERB
fsr-3245	110	43	associate	associate	ADJ
fsr-3245	110	44	2	2	NUM
fsr-3245	110	45	1.6	1.6	NUM
fsr-3245	110	46	%	%	NOUN
fsr-3245	110	47	bachelor	bachelor	NOUN
fsr-3245	110	48	61	61	NUM
fsr-3245	110	49	48.0	48.0	NUM
fsr-3245	110	50	%	%	NOUN
fsr-3245	110	51	masters	master	NOUN
fsr-3245	110	52	47	47	NUM
fsr-3245	110	53	37.0	37.0	NUM
fsr-3245	110	54	%	%	NOUN
fsr-3245	110	55	jd	jd	PROPN
fsr-3245	110	56	14	14	NUM
fsr-3245	110	57	11.0	11.0	NUM
fsr-3245	110	58	%	%	NOUN
fsr-3245	110	59	no	no	DET
fsr-3245	110	60	response	response	NOUN
fsr-3245	110	61	3	3	NUM
fsr-3245	110	62	2.4	2.4	NUM
fsr-3245	110	63	%	%	NOUN
fsr-3245	110	64	type	type	NOUN
fsr-3245	110	65	of	of	ADP
fsr-3245	110	66	firm	firm	NOUN
fsr-3245	110	67	employed	employ	VERB
fsr-3245	110	68	at	at	ADP
fsr-3245	110	69	accounting	account	VERB
fsr-3245	110	70	19	19	NUM
fsr-3245	110	71	15.0	15.0	NUM
fsr-3245	110	72	%	%	NOUN
fsr-3245	110	73	insurance	insurance	NOUN
fsr-3245	110	74	18	18	NUM
fsr-3245	110	75	14.2	14.2	NUM
fsr-3245	110	76	%	%	NOUN
fsr-3245	110	77	securities	security	NOUN
fsr-3245	110	78	32	32	NUM
fsr-3245	110	79	25.2	25.2	NUM
fsr-3245	110	80	%	%	NOUN
fsr-3245	110	81	general	general	ADJ
fsr-3245	110	82	pfp	pfp	PROPN
fsr-3245	110	83	58	58	NUM
fsr-3245	110	84	45.6	45.6	NUM
fsr-3245	110	85	%	%	NOUN
fsr-3245	110	86	experience	experience	NOUN
fsr-3245	110	87	as	as	ADP
fsr-3245	110	88	a	a	DET
fsr-3245	110	89	financial	financial	ADJ
fsr-3245	110	90	planner	planner	NOUN
fsr-3245	110	91	(	(	PUNCT
fsr-3245	110	92	in	in	ADP
fsr-3245	110	93	years	year	NOUN
fsr-3245	110	94	)	)	PUNCT
fsr-3245	110	95	range	range	NOUN
fsr-3245	110	96	1–29	1–29	PROPN
fsr-3245	110	97	mean	mean	NOUN
fsr-3245	110	98	10.9	10.9	NUM
fsr-3245	110	99	median	median	NOUN
fsr-3245	110	100	9.0	9.0	NUM
fsr-3245	110	101	certifications	certification	NOUN
fsr-3245	110	102	and	and	CCONJ
fsr-3245	110	103	licenses	license	NOUN
fsr-3245	110	104	held	hold	VERB
fsr-3245	110	105	cfa	cfa	PROPN
fsr-3245	110	106	1	1	NUM
fsr-3245	110	107	0.8	0.8	NUM
fsr-3245	110	108	%	%	NOUN
fsr-3245	110	109	cfp	cfp	NOUN
fsr-3245	110	110	127	127	NUM
fsr-3245	110	111	100.0	100.0	NUM
fsr-3245	110	112	%	%	NOUN
fsr-3245	110	113	cfs	cfs	NOUN
fsr-3245	110	114	2	2	NUM
fsr-3245	110	115	1.6	1.6	NUM
fsr-3245	110	116	%	%	NOUN
fsr-3245	110	117	chfc	chfc	NOUN
fsr-3245	110	118	26	26	NUM
fsr-3245	110	119	20.5	20.5	NUM
fsr-3245	110	120	%	%	NOUN
fsr-3245	110	121	cima	cima	NOUN
fsr-3245	110	122	5	5	NUM
fsr-3245	110	123	3.9	3.9	NUM
fsr-3245	110	124	%	%	NOUN
fsr-3245	110	125	clu	clu	NOUN
fsr-3245	110	126	22	22	NUM
fsr-3245	110	127	17.3	17.3	NUM
fsr-3245	110	128	%	%	NOUN
fsr-3245	110	129	cpa	cpa	NOUN
fsr-3245	110	130	license	license	VERB
fsr-3245	110	131	37	37	NUM
fsr-3245	110	132	29.1	29.1	NUM
fsr-3245	110	133	%	%	NOUN
fsr-3245	110	134	lutfc	lutfc	ADJ
fsr-3245	110	135	10	10	NUM
fsr-3245	110	136	7.9	7.9	NUM
fsr-3245	110	137	%	%	NOUN
fsr-3245	110	138	pfs	pfs	PROPN
fsr-3245	110	139	19	19	NUM
fsr-3245	110	140	15.0	15.0	NUM
fsr-3245	110	141	%	%	NOUN
fsr-3245	110	142	real	real	ADJ
fsr-3245	110	143	estate	estate	NOUN
fsr-3245	110	144	license	license	NOUN
fsr-3245	110	145	5	5	NUM
fsr-3245	110	146	3.9	3.9	NUM
fsr-3245	110	147	%	%	NOUN
fsr-3245	110	148	ria	ria	PROPN
fsr-3245	110	149	/	/	SYM
fsr-3245	110	150	ria	ria	PROPN
fsr-3245	110	151	rep	rep	PROPN
fsr-3245	110	152	52	52	NUM
fsr-3245	110	153	40.9	40.9	NUM
fsr-3245	110	154	%	%	NOUN
fsr-3245	110	155	series	series	NOUN
fsr-3245	110	156	6	6	NUM
fsr-3245	110	157	license	license	NOUN
fsr-3245	110	158	39	39	NUM
fsr-3245	110	159	30.7	30.7	NUM
fsr-3245	110	160	%	%	NOUN
fsr-3245	110	161	series	series	NOUN
fsr-3245	110	162	7	7	NUM
fsr-3245	110	163	license	license	NOUN
fsr-3245	110	164	80	80	NUM
fsr-3245	110	165	63.0	63.0	NUM
fsr-3245	110	166	%	%	NOUN
fsr-3245	110	167	series	series	NOUN
fsr-3245	110	168	22,23	22,23	PROPN
fsr-3245	110	169	license	license	VERB
fsr-3245	110	170	10	10	NUM
fsr-3245	110	171	7.9	7.9	NUM
fsr-3245	110	172	%	%	NOUN
fsr-3245	110	173	series	series	NOUN
fsr-3245	110	174	63,64	63,64	NUM
fsr-3245	110	175	license	license	VERB
fsr-3245	110	176	70	70	NUM
fsr-3245	110	177	55.1	55.1	NUM
fsr-3245	110	178	%	%	NOUN
fsr-3245	110	179	393k.n	393k.n	NUM
fsr-3245	110	180	.	.	PUNCT
fsr-3245	110	181	ryack	ryack	NOUN
fsr-3245	110	182	/	/	SYM
fsr-3245	110	183	financial	financial	ADJ
fsr-3245	110	184	services	service	NOUN
fsr-3245	110	185	review	review	VERB
fsr-3245	110	186	24	24	NUM
fsr-3245	110	187	(	(	PUNCT
fsr-3245	110	188	2015	2015	NUM
fsr-3245	110	189	)	)	PUNCT
fsr-3245	110	190	387–410	387–410	NUM
fsr-3245	110	191	contexts	context	NOUN
fsr-3245	110	192	and	and	CCONJ
fsr-3245	110	193	integrated	integrate	VERB
fsr-3245	110	194	several	several	ADJ
fsr-3245	110	195	pfp	pfp	PROPN
fsr-3245	110	196	subject	subject	NOUN
fsr-3245	110	197	areas	area	NOUN
fsr-3245	110	198	,	,	PUNCT
fsr-3245	110	199	including	include	VERB
fsr-3245	110	200	cash	cash	NOUN
fsr-3245	110	201	flow	flow	NOUN
fsr-3245	110	202	analysis	analysis	NOUN
fsr-3245	110	203	/	/	SYM
fsr-3245	110	204	planning	planning	NOUN
fsr-3245	110	205	,	,	PUNCT
fsr-3245	110	206	investment	investment	NOUN
fsr-3245	110	207	planning	planning	NOUN
fsr-3245	110	208	,	,	PUNCT
fsr-3245	110	209	income	income	NOUN
fsr-3245	110	210	tax	tax	NOUN
fsr-3245	110	211	planning	planning	NOUN
fsr-3245	110	212	,	,	PUNCT
fsr-3245	110	213	education	education	NOUN
fsr-3245	110	214	planning	planning	NOUN
fsr-3245	110	215	,	,	PUNCT
fsr-3245	110	216	retirement	retirement	NOUN
fsr-3245	110	217	planning	planning	NOUN
fsr-3245	110	218	,	,	PUNCT
fsr-3245	110	219	and	and	CCONJ
fsr-3245	110	220	estate	estate	NOUN
fsr-3245	110	221	planning	planning	NOUN
fsr-3245	110	222	.	.	PUNCT
fsr-3245	111	1	the	the	DET
fsr-3245	111	2	cases	case	NOUN
fsr-3245	111	3	are	be	AUX
fsr-3245	111	4	presented	present	VERB
fsr-3245	111	5	in	in	ADP
fsr-3245	111	6	appendix	appendix	ADJ
fsr-3245	111	7	a.	a.	NOUN
fsr-3245	111	8	the	the	DET
fsr-3245	111	9	second	second	ADJ
fsr-3245	111	10	part	part	NOUN
fsr-3245	111	11	of	of	ADP
fsr-3245	111	12	the	the	DET
fsr-3245	111	13	instrument	instrument	NOUN
fsr-3245	111	14	consisted	consist	VERB
fsr-3245	111	15	of	of	ADP
fsr-3245	111	16	30	30	NUM
fsr-3245	111	17	items	item	NOUN
fsr-3245	111	18	used	use	VERB
fsr-3245	111	19	to	to	PART
fsr-3245	111	20	determine	determine	VERB
fsr-3245	111	21	the	the	DET
fsr-3245	111	22	tp	tp	NOUN
fsr-3245	111	23	of	of	ADP
fsr-3245	111	24	the	the	DET
fsr-3245	111	25	financial	financial	ADJ
fsr-3245	111	26	advisors	advisor	NOUN
fsr-3245	111	27	.	.	PUNCT
fsr-3245	112	1	for	for	ADP
fsr-3245	112	2	each	each	DET
fsr-3245	112	3	item	item	NOUN
fsr-3245	112	4	,	,	PUNCT
fsr-3245	112	5	the	the	DET
fsr-3245	112	6	planner	planner	NOUN
fsr-3245	112	7	was	be	AUX
fsr-3245	112	8	asked	ask	VERB
fsr-3245	112	9	to	to	PART
fsr-3245	112	10	rate	rate	VERB
fsr-3245	112	11	how	how	SCONJ
fsr-3245	112	12	characteristic	characteristic	ADJ
fsr-3245	112	13	the	the	DET
fsr-3245	112	14	statement	statement	NOUN
fsr-3245	112	15	was	be	AUX
fsr-3245	112	16	of	of	ADP
fsr-3245	112	17	him	he	PRON
fsr-3245	112	18	or	or	CCONJ
fsr-3245	112	19	her	she	PRON
fsr-3245	112	20	on	on	ADP
fsr-3245	112	21	an	an	DET
fsr-3245	112	22	eight	eight	NUM
fsr-3245	112	23	point	point	NOUN
fsr-3245	112	24	scale	scale	NOUN
fsr-3245	112	25	ranging	range	VERB
fsr-3245	112	26	from	from	ADP
fsr-3245	112	27	extremely	extremely	ADV
fsr-3245	112	28	typical	typical	ADJ
fsr-3245	112	29	to	to	ADP
fsr-3245	112	30	slightly	slightly	ADV
fsr-3245	112	31	typical	typical	ADJ
fsr-3245	112	32	at	at	ADP
fsr-3245	112	33	one	one	NUM
fsr-3245	112	34	end	end	NOUN
fsr-3245	112	35	of	of	ADP
fsr-3245	112	36	the	the	DET
fsr-3245	112	37	scale	scale	NOUN
fsr-3245	112	38	and	and	CCONJ
fsr-3245	112	39	slightly	slightly	ADV
fsr-3245	112	40	atypical	atypical	ADJ
fsr-3245	112	41	to	to	ADP
fsr-3245	112	42	extremely	extremely	ADV
fsr-3245	112	43	atypical	atypical	ADJ
fsr-3245	112	44	on	on	ADP
fsr-3245	112	45	the	the	DET
fsr-3245	112	46	other	other	ADJ
fsr-3245	112	47	end	end	NOUN
fsr-3245	112	48	of	of	ADP
fsr-3245	112	49	the	the	DET
fsr-3245	112	50	scale	scale	NOUN
fsr-3245	112	51	.	.	PUNCT
fsr-3245	113	1	twelve	twelve	NUM
fsr-3245	113	2	items	item	NOUN
fsr-3245	113	3	were	be	AUX
fsr-3245	113	4	a	a	DET
fsr-3245	113	5	reproduction	reproduction	NOUN
fsr-3245	113	6	of	of	ADP
fsr-3245	113	7	all	all	DET
fsr-3245	113	8	the	the	DET
fsr-3245	113	9	items	item	NOUN
fsr-3245	113	10	used	use	VERB
fsr-3245	113	11	in	in	ADP
fsr-3245	113	12	the	the	DET
fsr-3245	113	13	consideration	consideration	NOUN
fsr-3245	113	14	of	of	ADP
fsr-3245	113	15	future	future	ADJ
fsr-3245	113	16	consequences	consequence	NOUN
fsr-3245	113	17	(	(	PUNCT
fsr-3245	113	18	cfc	cfc	NOUN
fsr-3245	113	19	)	)	PUNCT
fsr-3245	113	20	scale	scale	NOUN
fsr-3245	113	21	(	(	PUNCT
fsr-3245	113	22	strathman	strathman	PROPN
fsr-3245	113	23	et	et	PROPN
fsr-3245	113	24	al	al	PROPN
fsr-3245	113	25	.	.	PROPN
fsr-3245	113	26	,	,	PUNCT
fsr-3245	113	27	1994	1994	NUM
fsr-3245	113	28	)	)	PUNCT
fsr-3245	113	29	and	and	CCONJ
fsr-3245	113	30	eighteen	eighteen	NUM
fsr-3245	113	31	items	item	NOUN
fsr-3245	113	32	were	be	AUX
fsr-3245	113	33	selected	select	VERB
fsr-3245	113	34	from	from	ADP
fsr-3245	113	35	the	the	DET
fsr-3245	113	36	present	present	ADJ
fsr-3245	113	37	hedonistic	hedonistic	ADJ
fsr-3245	113	38	scale	scale	NOUN
fsr-3245	113	39	and	and	CCONJ
fsr-3245	113	40	the	the	DET
fsr-3245	113	41	future	future	ADJ
fsr-3245	113	42	scale	scale	NOUN
fsr-3245	113	43	contained	contain	VERB
fsr-3245	113	44	in	in	ADP
fsr-3245	113	45	the	the	DET
fsr-3245	113	46	zimbardo	zimbardo	NOUN
fsr-3245	113	47	time	time	NOUN
fsr-3245	113	48	perspective	perspective	PROPN
fsr-3245	113	49	inventory	inventory	NOUN
fsr-3245	113	50	(	(	PUNCT
fsr-3245	113	51	ztpi	ztpi	NOUN
fsr-3245	113	52	)	)	PUNCT
fsr-3245	113	53	(	(	PUNCT
fsr-3245	113	54	zimbardo	zimbardo	NOUN
fsr-3245	113	55	and	and	CCONJ
fsr-3245	113	56	boyd	boyd	PROPN
fsr-3245	113	57	,	,	PUNCT
fsr-3245	113	58	1999	1999	NUM
fsr-3245	113	59	)	)	PUNCT
fsr-3245	113	60	.	.	PUNCT
fsr-3245	114	1	both	both	DET
fsr-3245	114	2	scales	scale	NOUN
fsr-3245	114	3	were	be	AUX
fsr-3245	114	4	designed	design	VERB
fsr-3245	114	5	based	base	VERB
fsr-3245	114	6	on	on	ADP
fsr-3245	114	7	extensive	extensive	ADJ
fsr-3245	114	8	factor	factor	NOUN
fsr-3245	114	9	analyses	analysis	NOUN
fsr-3245	114	10	.	.	PUNCT
fsr-3245	115	1	the	the	DET
fsr-3245	115	2	cfc	cfc	PROPN
fsr-3245	115	3	scale	scale	NOUN
fsr-3245	115	4	is	be	AUX
fsr-3245	115	5	a	a	DET
fsr-3245	115	6	one	one	NUM
fsr-3245	115	7	factor	factor	NOUN
fsr-3245	115	8	scale	scale	NOUN
fsr-3245	115	9	containing	contain	VERB
fsr-3245	115	10	12	12	NUM
fsr-3245	115	11	items	item	NOUN
fsr-3245	115	12	and	and	CCONJ
fsr-3245	115	13	it	it	PRON
fsr-3245	115	14	essentially	essentially	ADV
fsr-3245	115	15	measures	measure	VERB
fsr-3245	115	16	tp	tp	NOUN
fsr-3245	115	17	on	on	ADP
fsr-3245	115	18	a	a	DET
fsr-3245	115	19	continuum	continuum	NOUN
fsr-3245	115	20	with	with	ADP
fsr-3245	115	21	present	present	ADJ
fsr-3245	115	22	tp	tp	NOUN
fsr-3245	115	23	on	on	ADP
fsr-3245	115	24	one	one	NUM
fsr-3245	115	25	end	end	NOUN
fsr-3245	115	26	and	and	CCONJ
fsr-3245	115	27	future	future	ADJ
fsr-3245	115	28	tp	tp	NOUN
fsr-3245	115	29	on	on	ADP
fsr-3245	115	30	the	the	DET
fsr-3245	115	31	other	other	ADJ
fsr-3245	115	32	end	end	NOUN
fsr-3245	115	33	.	.	PUNCT
fsr-3245	116	1	the	the	DET
fsr-3245	116	2	ztpi	ztpi	NOUN
fsr-3245	116	3	contains	contain	VERB
fsr-3245	116	4	56	56	NUM
fsr-3245	116	5	items	item	NOUN
fsr-3245	116	6	that	that	PRON
fsr-3245	116	7	were	be	AUX
fsr-3245	116	8	found	find	VERB
fsr-3245	116	9	to	to	PART
fsr-3245	116	10	load	load	VERB
fsr-3245	116	11	on	on	ADP
fsr-3245	116	12	five	five	NUM
fsr-3245	116	13	distinct	distinct	ADJ
fsr-3245	116	14	tp	tp	NOUN
fsr-3245	116	15	factors	factor	NOUN
fsr-3245	116	16	;	;	PUNCT
fsr-3245	116	17	past	past	ADJ
fsr-3245	116	18	-	-	PUNCT
fsr-3245	116	19	negative	negative	ADJ
fsr-3245	116	20	,	,	PUNCT
fsr-3245	116	21	past	past	ADJ
fsr-3245	116	22	-	-	PUNCT
fsr-3245	116	23	positive	positive	ADJ
fsr-3245	116	24	,	,	PUNCT
fsr-3245	116	25	present	present	ADJ
fsr-3245	116	26	-	-	PUNCT
fsr-3245	116	27	fatalistic	fatalistic	ADJ
fsr-3245	116	28	,	,	PUNCT
fsr-3245	116	29	present	present	ADJ
fsr-3245	116	30	-	-	PUNCT
fsr-3245	116	31	hedonistic	hedonistic	ADJ
fsr-3245	116	32	,	,	PUNCT
fsr-3245	116	33	and	and	CCONJ
fsr-3245	116	34	future	future	NOUN
fsr-3245	116	35	.	.	PUNCT
fsr-3245	117	1	in	in	ADP
fsr-3245	117	2	other	other	ADJ
fsr-3245	117	3	words	word	NOUN
fsr-3245	117	4	,	,	PUNCT
fsr-3245	117	5	each	each	DET
fsr-3245	117	6	factor	factor	NOUN
fsr-3245	117	7	makes	make	VERB
fsr-3245	117	8	up	up	ADP
fsr-3245	117	9	its	its	PRON
fsr-3245	117	10	own	own	ADJ
fsr-3245	117	11	scale	scale	NOUN
fsr-3245	117	12	that	that	PRON
fsr-3245	117	13	measures	measure	VERB
fsr-3245	117	14	a	a	DET
fsr-3245	117	15	unique	unique	ADJ
fsr-3245	117	16	and	and	CCONJ
fsr-3245	117	17	distinct	distinct	ADJ
fsr-3245	117	18	aspect	aspect	NOUN
fsr-3245	117	19	of	of	ADP
fsr-3245	117	20	tp	tp	PRON
fsr-3245	117	21	.	.	PUNCT
fsr-3245	118	1	it	it	PRON
fsr-3245	118	2	has	have	AUX
fsr-3245	118	3	been	be	AUX
fsr-3245	118	4	common	common	ADJ
fsr-3245	118	5	for	for	SCONJ
fsr-3245	118	6	researchers	researcher	NOUN
fsr-3245	118	7	to	to	PART
fsr-3245	118	8	incorporate	incorporate	VERB
fsr-3245	118	9	only	only	ADV
fsr-3245	118	10	the	the	DET
fsr-3245	118	11	relevant	relevant	ADJ
fsr-3245	118	12	ztpi	ztpi	NOUN
fsr-3245	118	13	scales	scale	NOUN
fsr-3245	118	14	that	that	PRON
fsr-3245	118	15	measure	measure	VERB
fsr-3245	118	16	the	the	DET
fsr-3245	118	17	tp	tp	NOUN
fsr-3245	118	18	dimension	dimension	NOUN
fsr-3245	118	19	of	of	ADP
fsr-3245	118	20	interest	interest	NOUN
fsr-3245	118	21	for	for	ADP
fsr-3245	118	22	their	their	PRON
fsr-3245	118	23	particular	particular	ADJ
fsr-3245	118	24	study	study	NOUN
fsr-3245	118	25	.	.	PUNCT
fsr-3245	119	1	consistent	consistent	ADJ
fsr-3245	119	2	with	with	ADP
fsr-3245	119	3	ryack	ryack	NOUN
fsr-3245	119	4	(	(	PUNCT
fsr-3245	119	5	2012	2012	NUM
fsr-3245	119	6	)	)	PUNCT
fsr-3245	119	7	,	,	PUNCT
fsr-3245	119	8	i	i	PRON
fsr-3245	119	9	exclude	exclude	VERB
fsr-3245	119	10	items	item	NOUN
fsr-3245	119	11	from	from	ADP
fsr-3245	119	12	the	the	DET
fsr-3245	119	13	ztpi	ztpi	NOUN
fsr-3245	119	14	that	that	PRON
fsr-3245	119	15	measure	measure	VERB
fsr-3245	119	16	present	present	ADJ
fsr-3245	119	17	-	-	PUNCT
fsr-3245	119	18	fatalistic	fatalistic	ADJ
fsr-3245	119	19	,	,	PUNCT
fsr-3245	119	20	past	past	ADJ
fsr-3245	119	21	-	-	PUNCT
fsr-3245	119	22	positive	positive	ADJ
fsr-3245	119	23	and	and	CCONJ
fsr-3245	119	24	past	past	ADJ
fsr-3245	119	25	-	-	PUNCT
fsr-3245	119	26	negative	negative	ADJ
fsr-3245	119	27	orientations	orientation	NOUN
fsr-3245	119	28	because	because	SCONJ
fsr-3245	119	29	these	these	DET
fsr-3245	119	30	factors	factor	NOUN
fsr-3245	119	31	have	have	AUX
fsr-3245	119	32	been	be	AUX
fsr-3245	119	33	shown	show	VERB
fsr-3245	119	34	to	to	PART
fsr-3245	119	35	be	be	AUX
fsr-3245	119	36	associated	associate	VERB
fsr-3245	119	37	with	with	ADP
fsr-3245	119	38	attitudes	attitude	NOUN
fsr-3245	119	39	and	and	CCONJ
fsr-3245	119	40	behaviors	behavior	NOUN
fsr-3245	119	41	that	that	PRON
fsr-3245	119	42	are	be	AUX
fsr-3245	119	43	either	either	ADV
fsr-3245	119	44	not	not	PART
fsr-3245	119	45	relevant	relevant	ADJ
fsr-3245	119	46	to	to	ADP
fsr-3245	119	47	this	this	DET
fsr-3245	119	48	study	study	NOUN
fsr-3245	119	49	,	,	PUNCT
fsr-3245	119	50	or	or	CCONJ
fsr-3245	119	51	unlikely	unlikely	ADJ
fsr-3245	119	52	to	to	PART
fsr-3245	119	53	be	be	AUX
fsr-3245	119	54	found	find	VERB
fsr-3245	119	55	among	among	ADP
fsr-3245	119	56	professional	professional	ADJ
fsr-3245	119	57	financial	financial	ADJ
fsr-3245	119	58	planners.1	planners.1	NOUN
fsr-3245	119	59	the	the	DET
fsr-3245	119	60	future	future	ADJ
fsr-3245	119	61	factor	factor	NOUN
fsr-3245	119	62	is	be	AUX
fsr-3245	119	63	characterized	characterize	VERB
fsr-3245	119	64	by	by	ADP
fsr-3245	119	65	planning	plan	VERB
fsr-3245	119	66	for	for	ADP
fsr-3245	119	67	and	and	CCONJ
fsr-3245	119	68	achievement	achievement	NOUN
fsr-3245	119	69	of	of	ADP
fsr-3245	119	70	future	future	ADJ
fsr-3245	119	71	goals	goal	NOUN
fsr-3245	119	72	,	,	PUNCT
fsr-3245	119	73	while	while	SCONJ
fsr-3245	119	74	the	the	DET
fsr-3245	119	75	present	present	ADJ
fsr-3245	119	76	-	-	PUNCT
fsr-3245	119	77	hedonistic	hedonistic	ADJ
fsr-3245	119	78	factor	factor	NOUN
fsr-3245	119	79	reflects	reflect	VERB
fsr-3245	119	80	an	an	DET
fsr-3245	119	81	orientation	orientation	NOUN
fsr-3245	119	82	toward	toward	ADP
fsr-3245	119	83	present	present	ADJ
fsr-3245	119	84	enjoyment	enjoyment	NOUN
fsr-3245	119	85	and	and	CCONJ
fsr-3245	119	86	pleasure	pleasure	NOUN
fsr-3245	119	87	with	with	ADP
fsr-3245	119	88	a	a	DET
fsr-3245	119	89	lack	lack	NOUN
fsr-3245	119	90	of	of	ADP
fsr-3245	119	91	consideration	consideration	NOUN
fsr-3245	119	92	of	of	ADP
fsr-3245	119	93	future	future	ADJ
fsr-3245	119	94	consequences	consequence	NOUN
fsr-3245	119	95	.	.	PUNCT
fsr-3245	120	1	the	the	DET
fsr-3245	120	2	scale	scale	NOUN
fsr-3245	120	3	items	item	NOUN
fsr-3245	120	4	incorporated	incorporate	VERB
fsr-3245	120	5	in	in	ADP
fsr-3245	120	6	this	this	DET
fsr-3245	120	7	study	study	NOUN
fsr-3245	120	8	and	and	CCONJ
fsr-3245	120	9	the	the	DET
fsr-3245	120	10	ryack	ryack	NOUN
fsr-3245	120	11	(	(	PUNCT
fsr-3245	120	12	2012	2012	NUM
fsr-3245	120	13	)	)	PUNCT
fsr-3245	120	14	study	study	NOUN
fsr-3245	120	15	include	include	VERB
fsr-3245	120	16	nine	nine	NUM
fsr-3245	120	17	of	of	ADP
fsr-3245	120	18	the	the	DET
fsr-3245	120	19	original	original	ADJ
fsr-3245	120	20	ztpi	ztpi	NOUN
fsr-3245	120	21	future	future	ADJ
fsr-3245	120	22	scale	scale	NOUN
fsr-3245	120	23	items	item	NOUN
fsr-3245	120	24	that	that	PRON
fsr-3245	120	25	had	have	VERB
fsr-3245	120	26	at	at	ADP
fsr-3245	120	27	least	least	ADJ
fsr-3245	120	28	a	a	DET
fsr-3245	120	29	0.40	0.40	NUM
fsr-3245	120	30	loading	loading	NOUN
fsr-3245	120	31	in	in	ADP
fsr-3245	120	32	the	the	DET
fsr-3245	120	33	original	original	ADJ
fsr-3245	120	34	factor	factor	NOUN
fsr-3245	120	35	analyses	analysis	NOUN
fsr-3245	120	36	conducted	conduct	VERB
fsr-3245	120	37	by	by	ADP
fsr-3245	120	38	zimbardo	zimbardo	NOUN
fsr-3245	120	39	and	and	CCONJ
fsr-3245	120	40	boyd	boyd	PROPN
fsr-3245	120	41	(	(	PUNCT
fsr-3245	120	42	1999	1999	NUM
fsr-3245	120	43	)	)	PUNCT
fsr-3245	120	44	and	and	CCONJ
fsr-3245	120	45	nine	nine	NUM
fsr-3245	120	46	of	of	ADP
fsr-3245	120	47	the	the	DET
fsr-3245	120	48	original	original	ADJ
fsr-3245	120	49	ztpi	ztpi	NOUN
fsr-3245	120	50	present	present	ADJ
fsr-3245	120	51	-	-	PUNCT
fsr-3245	120	52	hedonistic	hedonistic	ADJ
fsr-3245	120	53	scale	scale	NOUN
fsr-3245	120	54	items	item	NOUN
fsr-3245	120	55	that	that	PRON
fsr-3245	120	56	had	have	VERB
fsr-3245	120	57	a	a	DET
fsr-3245	120	58	loading	loading	NOUN
fsr-3245	120	59	0.40	0.40	NUM
fsr-3245	120	60	or	or	CCONJ
fsr-3245	120	61	above	above	ADV
fsr-3245	120	62	.	.	PUNCT
fsr-3245	121	1	three	three	NUM
fsr-3245	121	2	of	of	ADP
fsr-3245	121	3	the	the	DET
fsr-3245	121	4	original	original	ADJ
fsr-3245	121	5	present	present	ADJ
fsr-3245	121	6	-	-	PUNCT
fsr-3245	121	7	hedonistic	hedonistic	ADJ
fsr-3245	121	8	scale	scale	NOUN
fsr-3245	121	9	items	item	NOUN
fsr-3245	121	10	and	and	CCONJ
fsr-3245	121	11	four	four	NUM
fsr-3245	121	12	of	of	ADP
fsr-3245	121	13	the	the	DET
fsr-3245	121	14	original	original	ADJ
fsr-3245	121	15	future	future	ADJ
fsr-3245	121	16	scale	scale	NOUN
fsr-3245	121	17	items	item	NOUN
fsr-3245	121	18	were	be	AUX
fsr-3245	121	19	excluded	exclude	VERB
fsr-3245	121	20	because	because	SCONJ
fsr-3245	121	21	they	they	PRON
fsr-3245	121	22	either	either	CCONJ
fsr-3245	121	23	had	have	VERB
fsr-3245	121	24	a	a	DET
fsr-3245	121	25	negative	negative	ADJ
fsr-3245	121	26	loading	loading	NOUN
fsr-3245	121	27	or	or	CCONJ
fsr-3245	121	28	a	a	DET
fsr-3245	121	29	loading	loading	NOUN
fsr-3245	121	30	below	below	ADP
fsr-3245	121	31	0.40	0.40	NUM
fsr-3245	121	32	in	in	ADP
fsr-3245	121	33	the	the	DET
fsr-3245	121	34	original	original	ADJ
fsr-3245	121	35	study	study	NOUN
fsr-3245	121	36	by	by	ADP
fsr-3245	121	37	zimbardo	zimbardo	NOUN
fsr-3245	121	38	and	and	CCONJ
fsr-3245	121	39	boyd	boyd	PROPN
fsr-3245	121	40	(	(	PUNCT
fsr-3245	121	41	1999	1999	NUM
fsr-3245	121	42	)	)	PUNCT
fsr-3245	121	43	.	.	PUNCT
fsr-3245	122	1	three	three	NUM
fsr-3245	122	2	additional	additional	ADJ
fsr-3245	122	3	present	present	ADJ
fsr-3245	122	4	-	-	PUNCT
fsr-3245	122	5	hedonistic	hedonistic	ADJ
fsr-3245	122	6	items	item	NOUN
fsr-3245	122	7	that	that	PRON
fsr-3245	122	8	loaded	load	VERB
fsr-3245	122	9	above	above	ADP
fsr-3245	122	10	0.40	0.40	NUM
fsr-3245	122	11	were	be	AUX
fsr-3245	122	12	excluded	exclude	VERB
fsr-3245	122	13	because	because	SCONJ
fsr-3245	122	14	they	they	PRON
fsr-3245	122	15	were	be	AUX
fsr-3245	122	16	either	either	ADV
fsr-3245	122	17	inappropriate	inappropriate	ADJ
fsr-3245	122	18	for	for	ADP
fsr-3245	122	19	professional	professional	ADJ
fsr-3245	122	20	financial	financial	ADJ
fsr-3245	122	21	advisors	advisor	NOUN
fsr-3245	122	22	or	or	CCONJ
fsr-3245	122	23	were	be	AUX
fsr-3245	122	24	redundant	redundant	ADJ
fsr-3245	122	25	with	with	ADP
fsr-3245	122	26	another	another	DET
fsr-3245	122	27	item	item	NOUN
fsr-3245	122	28	.	.	PUNCT
fsr-3245	123	1	ryack	ryack	NOUN
fsr-3245	123	2	(	(	PUNCT
fsr-3245	123	3	2012	2012	NUM
fsr-3245	123	4	)	)	PUNCT
fsr-3245	123	5	tested	test	VERB
fsr-3245	123	6	this	this	DET
fsr-3245	123	7	configuration	configuration	NOUN
fsr-3245	123	8	of	of	ADP
fsr-3245	123	9	the	the	DET
fsr-3245	123	10	ztpi	ztpi	NOUN
fsr-3245	123	11	present	present	ADJ
fsr-3245	123	12	and	and	CCONJ
fsr-3245	123	13	ztpi	ztpi	VERB
fsr-3245	123	14	future	future	ADJ
fsr-3245	123	15	scales	scale	NOUN
fsr-3245	123	16	in	in	ADP
fsr-3245	123	17	a	a	DET
fsr-3245	123	18	confirmatory	confirmatory	NOUN
fsr-3245	123	19	factor	factor	NOUN
fsr-3245	123	20	analysis	analysis	NOUN
fsr-3245	123	21	with	with	ADP
fsr-3245	123	22	a	a	DET
fsr-3245	123	23	college	college	NOUN
fsr-3245	123	24	student	student	NOUN
fsr-3245	123	25	sample	sample	NOUN
fsr-3245	123	26	and	and	CCONJ
fsr-3245	123	27	found	find	VERB
fsr-3245	123	28	that	that	SCONJ
fsr-3245	123	29	it	it	PRON
fsr-3245	123	30	did	do	AUX
fsr-3245	123	31	not	not	PART
fsr-3245	123	32	significantly	significantly	ADV
fsr-3245	123	33	alter	alter	VERB
fsr-3245	123	34	scale	scale	NOUN
fsr-3245	123	35	integrity	integrity	NOUN
fsr-3245	123	36	.	.	PUNCT
fsr-3245	124	1	most	most	ADJ
fsr-3245	124	2	studies	study	NOUN
fsr-3245	124	3	incorporating	incorporate	VERB
fsr-3245	124	4	the	the	DET
fsr-3245	124	5	cfc	cfc	PROPN
fsr-3245	124	6	and	and	CCONJ
fsr-3245	124	7	ztpi	ztpi	NOUN
fsr-3245	124	8	items	item	NOUN
fsr-3245	124	9	have	have	AUX
fsr-3245	124	10	used	use	VERB
fsr-3245	124	11	the	the	DET
fsr-3245	124	12	original	original	ADJ
fsr-3245	124	13	scales	scale	NOUN
fsr-3245	124	14	to	to	PART
fsr-3245	124	15	measure	measure	VERB
fsr-3245	124	16	tp	tp	NOUN
fsr-3245	124	17	.	.	PUNCT
fsr-3245	125	1	however	however	ADV
fsr-3245	125	2	,	,	PUNCT
fsr-3245	125	3	the	the	DET
fsr-3245	125	4	scales	scale	NOUN
fsr-3245	125	5	were	be	AUX
fsr-3245	125	6	developed	develop	VERB
fsr-3245	125	7	primarily	primarily	ADV
fsr-3245	125	8	with	with	ADP
fsr-3245	125	9	college	college	NOUN
fsr-3245	125	10	student	student	NOUN
fsr-3245	125	11	samples	sample	NOUN
fsr-3245	125	12	and	and	CCONJ
fsr-3245	125	13	some	some	DET
fsr-3245	125	14	researchers	researcher	NOUN
fsr-3245	125	15	have	have	AUX
fsr-3245	125	16	suggested	suggest	VERB
fsr-3245	125	17	the	the	DET
fsr-3245	125	18	factor	factor	NOUN
fsr-3245	125	19	structures	structure	NOUN
fsr-3245	125	20	may	may	AUX
fsr-3245	125	21	vary	vary	VERB
fsr-3245	125	22	across	across	ADP
fsr-3245	125	23	different	different	ADJ
fsr-3245	125	24	populations	population	NOUN
fsr-3245	125	25	(	(	PUNCT
fsr-3245	125	26	e.g.	e.g.	ADV
fsr-3245	125	27	,	,	PUNCT
fsr-3245	125	28	mitina	mitina	NOUN
fsr-3245	125	29	and	and	CCONJ
fsr-3245	125	30	blinnikova	blinnikova	PROPN
fsr-3245	125	31	,	,	PUNCT
fsr-3245	125	32	2008	2008	NUM
fsr-3245	125	33	;	;	PUNCT
fsr-3245	125	34	ryack	ryack	NOUN
fsr-3245	125	35	,	,	PUNCT
fsr-3245	125	36	2012	2012	NUM
fsr-3245	125	37	;	;	PUNCT
fsr-3245	125	38	worrell	worrell	PROPN
fsr-3245	125	39	and	and	CCONJ
fsr-3245	125	40	mello	mello	PROPN
fsr-3245	125	41	,	,	PUNCT
fsr-3245	125	42	2007	2007	NUM
fsr-3245	125	43	)	)	PUNCT
fsr-3245	125	44	.	.	PUNCT
fsr-3245	126	1	in	in	ADP
fsr-3245	126	2	fact	fact	NOUN
fsr-3245	126	3	,	,	PUNCT
fsr-3245	126	4	there	there	PRON
fsr-3245	126	5	have	have	AUX
fsr-3245	126	6	been	be	AUX
fsr-3245	126	7	a	a	DET
fsr-3245	126	8	number	number	NOUN
fsr-3245	126	9	of	of	ADP
fsr-3245	126	10	studies	study	NOUN
fsr-3245	126	11	that	that	PRON
fsr-3245	126	12	have	have	AUX
fsr-3245	126	13	tested	test	VERB
fsr-3245	126	14	and	and	CCONJ
fsr-3245	126	15	found	find	VERB
fsr-3245	126	16	different	different	ADJ
fsr-3245	126	17	factor	factor	NOUN
fsr-3245	126	18	structures	structure	NOUN
fsr-3245	126	19	for	for	ADP
fsr-3245	126	20	the	the	DET
fsr-3245	126	21	cfc	cfc	PROPN
fsr-3245	126	22	and	and	CCONJ
fsr-3245	126	23	ztpi	ztpi	NOUN
fsr-3245	126	24	scale	scale	NOUN
fsr-3245	126	25	items	item	NOUN
fsr-3245	126	26	(	(	PUNCT
fsr-3245	126	27	joireman	joireman	ADJ
fsr-3245	126	28	,	,	PUNCT
fsr-3245	126	29	balliet	balliet	PROPN
fsr-3245	126	30	,	,	PUNCT
fsr-3245	126	31	sprott	sprott	PROPN
fsr-3245	126	32	,	,	PUNCT
fsr-3245	126	33	spangenberg	spangenberg	NOUN
fsr-3245	126	34	,	,	PUNCT
fsr-3245	126	35	and	and	CCONJ
fsr-3245	126	36	schultz	schultz	PROPN
fsr-3245	126	37	,	,	PUNCT
fsr-3245	126	38	2008	2008	NUM
fsr-3245	126	39	;	;	PUNCT
fsr-3245	126	40	joireman	joireman	NOUN
fsr-3245	126	41	,	,	PUNCT
fsr-3245	126	42	shaffer	shaffer	NOUN
fsr-3245	126	43	,	,	PUNCT
fsr-3245	126	44	balliet	balliet	ADJ
fsr-3245	126	45	,	,	PUNCT
fsr-3245	126	46	and	and	CCONJ
fsr-3245	126	47	strathman	strathman	NOUN
fsr-3245	126	48	,	,	PUNCT
fsr-3245	126	49	2012	2012	NUM
fsr-3245	126	50	;	;	PUNCT
fsr-3245	126	51	petrocelli	petrocelli	NUM
fsr-3245	126	52	,	,	PUNCT
fsr-3245	126	53	2003	2003	NUM
fsr-3245	126	54	;	;	PUNCT
fsr-3245	126	55	ryack	ryack	NOUN
fsr-3245	126	56	,	,	PUNCT
fsr-3245	126	57	2012	2012	NUM
fsr-3245	126	58	;	;	PUNCT
fsr-3245	126	59	toepoel	toepoel	ADJ
fsr-3245	126	60	,	,	PUNCT
fsr-3245	126	61	2010	2010	NUM
fsr-3245	126	62	)	)	PUNCT
fsr-3245	126	63	.	.	PUNCT
fsr-3245	127	1	in	in	ADP
fsr-3245	127	2	the	the	DET
fsr-3245	127	3	ryack	ryack	NOUN
fsr-3245	127	4	(	(	PUNCT
fsr-3245	127	5	2012	2012	NUM
fsr-3245	127	6	)	)	PUNCT
fsr-3245	127	7	study	study	NOUN
fsr-3245	127	8	,	,	PUNCT
fsr-3245	127	9	financial	financial	ADJ
fsr-3245	127	10	planners	planner	NOUN
fsr-3245	127	11	exhibited	exhibit	VERB
fsr-3245	127	12	multiple	multiple	ADJ
fsr-3245	127	13	present	present	ADJ
fsr-3245	127	14	and	and	CCONJ
fsr-3245	127	15	future	future	ADJ
fsr-3245	127	16	factors	factor	NOUN
fsr-3245	127	17	beyond	beyond	ADP
fsr-3245	127	18	those	those	PRON
fsr-3245	127	19	measured	measure	VERB
fsr-3245	127	20	by	by	ADP
fsr-3245	127	21	the	the	DET
fsr-3245	127	22	original	original	ADJ
fsr-3245	127	23	cfc	cfc	NOUN
fsr-3245	127	24	and	and	CCONJ
fsr-3245	127	25	ztpi	ztpi	NOUN
fsr-3245	127	26	scales	scale	NOUN
fsr-3245	127	27	.	.	PUNCT
fsr-3245	128	1	an	an	DET
fsr-3245	128	2	exploratory	exploratory	ADJ
fsr-3245	128	3	analysis	analysis	NOUN
fsr-3245	128	4	394	394	NUM
fsr-3245	128	5	k.n	k.n	PROPN
fsr-3245	128	6	.	.	PROPN
fsr-3245	128	7	ryack	ryack	PROPN
fsr-3245	128	8	/	/	SYM
fsr-3245	128	9	financial	financial	ADJ
fsr-3245	128	10	services	service	NOUN
fsr-3245	128	11	review	review	VERB
fsr-3245	128	12	24	24	NUM
fsr-3245	128	13	(	(	PUNCT
fsr-3245	128	14	2015	2015	NUM
fsr-3245	128	15	)	)	PUNCT
fsr-3245	129	1	387–410	387–410	NUM
fsr-3245	129	2	conducted	conduct	VERB
fsr-3245	129	3	with	with	ADP
fsr-3245	129	4	the	the	DET
fsr-3245	129	5	12	12	NUM
fsr-3245	129	6	items	item	NOUN
fsr-3245	129	7	in	in	ADP
fsr-3245	129	8	the	the	DET
fsr-3245	129	9	cfc	cfc	PROPN
fsr-3245	129	10	scale	scale	NOUN
fsr-3245	129	11	resulted	result	VERB
fsr-3245	129	12	in	in	ADP
fsr-3245	129	13	two	two	NUM
fsr-3245	129	14	present	present	ADJ
fsr-3245	129	15	factors	factor	NOUN
fsr-3245	129	16	and	and	CCONJ
fsr-3245	129	17	two	two	NUM
fsr-3245	129	18	future	future	ADJ
fsr-3245	129	19	factors	factor	NOUN
fsr-3245	129	20	from	from	ADP
fsr-3245	129	21	which	which	PRON
fsr-3245	129	22	four	four	NUM
fsr-3245	129	23	subscales	subscale	NOUN
fsr-3245	129	24	were	be	AUX
fsr-3245	129	25	created	create	VERB
fsr-3245	129	26	(	(	PUNCT
fsr-3245	129	27	cfc_p1	cfc_p1	NOUN
fsr-3245	129	28	,	,	PUNCT
fsr-3245	129	29	cfc_p2	cfc_p2	NOUN
fsr-3245	129	30	,	,	PUNCT
fsr-3245	129	31	cfc_f1	cfc_f1	NOUN
fsr-3245	129	32	,	,	PUNCT
fsr-3245	129	33	and	and	CCONJ
fsr-3245	129	34	cfc_f2	cfc_f2	NOUN
fsr-3245	129	35	)	)	PUNCT
fsr-3245	129	36	.	.	PUNCT
fsr-3245	130	1	the	the	DET
fsr-3245	130	2	analysis	analysis	NOUN
fsr-3245	130	3	of	of	ADP
fsr-3245	130	4	the	the	DET
fsr-3245	130	5	nine	nine	NUM
fsr-3245	130	6	items	item	NOUN
fsr-3245	130	7	from	from	ADP
fsr-3245	130	8	the	the	DET
fsr-3245	130	9	ztpi	ztpi	NOUN
fsr-3245	130	10	present	present	ADJ
fsr-3245	130	11	-	-	PUNCT
fsr-3245	130	12	hedonistic	hedonistic	ADJ
fsr-3245	130	13	scale	scale	NOUN
fsr-3245	130	14	resulted	result	VERB
fsr-3245	130	15	in	in	ADP
fsr-3245	130	16	two	two	NUM
fsr-3245	130	17	present	present	ADJ
fsr-3245	130	18	factors	factor	NOUN
fsr-3245	130	19	from	from	ADP
fsr-3245	130	20	which	which	PRON
fsr-3245	130	21	two	two	NUM
fsr-3245	130	22	subscales	subscale	NOUN
fsr-3245	130	23	were	be	AUX
fsr-3245	130	24	created	create	VERB
fsr-3245	130	25	(	(	PUNCT
fsr-3245	130	26	zpres_1	zpres_1	NOUN
fsr-3245	130	27	and	and	CCONJ
fsr-3245	130	28	zpres_2	zpres_2	NOUN
fsr-3245	130	29	)	)	PUNCT
fsr-3245	130	30	,	,	PUNCT
fsr-3245	130	31	while	while	SCONJ
fsr-3245	130	32	items	item	NOUN
fsr-3245	130	33	from	from	ADP
fsr-3245	130	34	the	the	DET
fsr-3245	130	35	ztpi	ztpi	NOUN
fsr-3245	130	36	future	future	ADJ
fsr-3245	130	37	scale	scale	NOUN
fsr-3245	130	38	yielded	yield	VERB
fsr-3245	130	39	three	three	NUM
fsr-3245	130	40	future	future	ADJ
fsr-3245	130	41	factors	factor	NOUN
fsr-3245	130	42	(	(	PUNCT
fsr-3245	130	43	zfut_1	zfut_1	ADV
fsr-3245	130	44	,	,	PUNCT
fsr-3245	130	45	zfut_2	zfut_2	NOUN
fsr-3245	130	46	,	,	PUNCT
fsr-3245	130	47	and	and	CCONJ
fsr-3245	130	48	zfut_3	zfut_3	NUM
fsr-3245	130	49	)	)	PUNCT
fsr-3245	130	50	.	.	PUNCT
fsr-3245	131	1	in	in	ADP
fsr-3245	131	2	this	this	DET
fsr-3245	131	3	study	study	NOUN
fsr-3245	131	4	,	,	PUNCT
fsr-3245	131	5	i	i	PRON
fsr-3245	131	6	measure	measure	VERB
fsr-3245	131	7	tp	tp	ADP
fsr-3245	131	8	using	use	VERB
fsr-3245	131	9	the	the	DET
fsr-3245	131	10	12	12	NUM
fsr-3245	131	11	scale	scale	NOUN
fsr-3245	131	12	measures	measure	NOUN
fsr-3245	131	13	from	from	ADP
fsr-3245	131	14	the	the	DET
fsr-3245	131	15	ryack	ryack	NOUN
fsr-3245	131	16	(	(	PUNCT
fsr-3245	131	17	2012	2012	NUM
fsr-3245	131	18	)	)	PUNCT
fsr-3245	131	19	study	study	NOUN
fsr-3245	131	20	.	.	PUNCT
fsr-3245	132	1	this	this	PRON
fsr-3245	132	2	includes	include	VERB
fsr-3245	132	3	the	the	DET
fsr-3245	132	4	original	original	ADJ
fsr-3245	132	5	one	one	NUM
fsr-3245	132	6	factor	factor	NOUN
fsr-3245	132	7	cfc	cfc	NOUN
fsr-3245	132	8	scale	scale	NOUN
fsr-3245	132	9	,	,	PUNCT
fsr-3245	132	10	the	the	DET
fsr-3245	132	11	adjusted	adjust	VERB
fsr-3245	132	12	one	one	NUM
fsr-3245	132	13	factor	factor	NOUN
fsr-3245	132	14	ztpi	ztpi	NOUN
fsr-3245	132	15	present	present	ADJ
fsr-3245	132	16	-	-	PUNCT
fsr-3245	132	17	hedonistic	hedonistic	ADJ
fsr-3245	132	18	scale	scale	NOUN
fsr-3245	132	19	,	,	PUNCT
fsr-3245	132	20	the	the	DET
fsr-3245	132	21	adjusted	adjust	VERB
fsr-3245	132	22	one	one	NUM
fsr-3245	132	23	factor	factor	NOUN
fsr-3245	132	24	ztpi	ztpi	NOUN
fsr-3245	132	25	future	future	ADJ
fsr-3245	132	26	scale	scale	NOUN
fsr-3245	132	27	,	,	PUNCT
fsr-3245	132	28	and	and	CCONJ
fsr-3245	132	29	all	all	DET
fsr-3245	132	30	the	the	DET
fsr-3245	132	31	subscales	subscale	NOUN
fsr-3245	132	32	.	.	PUNCT
fsr-3245	133	1	the	the	DET
fsr-3245	133	2	subscales	subscale	NOUN
fsr-3245	133	3	are	be	AUX
fsr-3245	133	4	replicated	replicate	VERB
fsr-3245	133	5	in	in	ADP
fsr-3245	133	6	appendixes	appendix	NOUN
fsr-3245	133	7	b	b	PROPN
fsr-3245	133	8	and	and	CCONJ
fsr-3245	133	9	c.	c.	NOUN
fsr-3245	133	10	in	in	ADP
fsr-3245	133	11	the	the	DET
fsr-3245	133	12	last	last	ADJ
fsr-3245	133	13	part	part	NOUN
fsr-3245	133	14	of	of	ADP
fsr-3245	133	15	the	the	DET
fsr-3245	133	16	instrument	instrument	NOUN
fsr-3245	133	17	,	,	PUNCT
fsr-3245	133	18	the	the	DET
fsr-3245	133	19	financial	financial	ADJ
fsr-3245	133	20	planners	planner	NOUN
fsr-3245	133	21	completed	complete	VERB
fsr-3245	133	22	a	a	DET
fsr-3245	133	23	demographic	demographic	ADJ
fsr-3245	133	24	questionnaire	questionnaire	NOUN
fsr-3245	133	25	.	.	PUNCT
fsr-3245	134	1	the	the	DET
fsr-3245	134	2	questions	question	NOUN
fsr-3245	134	3	solicited	solicit	VERB
fsr-3245	134	4	background	background	NOUN
fsr-3245	134	5	information	information	NOUN
fsr-3245	134	6	such	such	ADJ
fsr-3245	134	7	as	as	ADP
fsr-3245	134	8	the	the	DET
fsr-3245	134	9	participant	participant	NOUN
fsr-3245	134	10	’s	’s	PART
fsr-3245	134	11	age	age	NOUN
fsr-3245	134	12	,	,	PUNCT
fsr-3245	134	13	gender	gender	NOUN
fsr-3245	134	14	,	,	PUNCT
fsr-3245	134	15	professional	professional	ADJ
fsr-3245	134	16	background	background	NOUN
fsr-3245	134	17	,	,	PUNCT
fsr-3245	134	18	pfp	pfp	PROPN
fsr-3245	134	19	experience	experience	NOUN
fsr-3245	134	20	,	,	PUNCT
fsr-3245	134	21	education	education	NOUN
fsr-3245	134	22	,	,	PUNCT
fsr-3245	134	23	and	and	CCONJ
fsr-3245	134	24	licenses	license	NOUN
fsr-3245	134	25	and	and	CCONJ
fsr-3245	134	26	designations	designation	NOUN
fsr-3245	134	27	held	hold	VERB
fsr-3245	134	28	.	.	PUNCT
fsr-3245	135	1	4	4	X
fsr-3245	135	2	.	.	NOUN
fsr-3245	135	3	results	result	NOUN
fsr-3245	135	4	and	and	CCONJ
fsr-3245	135	5	discussion	discussion	NOUN
fsr-3245	135	6	4.1	4.1	NUM
fsr-3245	135	7	.	.	PUNCT
fsr-3245	136	1	tp	tp	AUX
fsr-3245	136	2	scoring	scoring	NOUN
fsr-3245	136	3	and	and	CCONJ
fsr-3245	136	4	scale	scale	NOUN
fsr-3245	136	5	descriptives	descriptive	NOUN
fsr-3245	136	6	as	as	SCONJ
fsr-3245	136	7	previously	previously	ADV
fsr-3245	136	8	noted	note	VERB
fsr-3245	136	9	,	,	PUNCT
fsr-3245	136	10	the	the	DET
fsr-3245	136	11	tp	tp	NOUN
fsr-3245	136	12	biases	bias	NOUN
fsr-3245	136	13	of	of	ADP
fsr-3245	136	14	the	the	DET
fsr-3245	136	15	financial	financial	ADJ
fsr-3245	136	16	advisors	advisor	NOUN
fsr-3245	136	17	were	be	AUX
fsr-3245	136	18	measured	measure	VERB
fsr-3245	136	19	using	use	VERB
fsr-3245	136	20	the	the	DET
fsr-3245	136	21	original	original	ADJ
fsr-3245	136	22	cfc	cfc	NOUN
fsr-3245	136	23	scale	scale	NOUN
fsr-3245	136	24	,	,	PUNCT
fsr-3245	136	25	modified	modify	VERB
fsr-3245	136	26	versions	version	NOUN
fsr-3245	136	27	of	of	ADP
fsr-3245	136	28	the	the	DET
fsr-3245	136	29	original	original	ADJ
fsr-3245	136	30	ztpi	ztpi	NOUN
fsr-3245	136	31	present	present	ADJ
fsr-3245	136	32	-	-	PUNCT
fsr-3245	136	33	hedonistic	hedonistic	ADJ
fsr-3245	136	34	and	and	CCONJ
fsr-3245	136	35	future	future	ADJ
fsr-3245	136	36	scales	scale	NOUN
fsr-3245	136	37	,	,	PUNCT
fsr-3245	136	38	and	and	CCONJ
fsr-3245	136	39	the	the	DET
fsr-3245	136	40	nine	nine	NUM
fsr-3245	136	41	subscales	subscale	NOUN
fsr-3245	136	42	from	from	ADP
fsr-3245	136	43	the	the	DET
fsr-3245	136	44	ryack	ryack	NOUN
fsr-3245	136	45	(	(	PUNCT
fsr-3245	136	46	2012	2012	NUM
fsr-3245	136	47	)	)	PUNCT
fsr-3245	136	48	study	study	NOUN
fsr-3245	136	49	.	.	PUNCT
fsr-3245	137	1	a	a	DET
fsr-3245	137	2	planner	planner	NOUN
fsr-3245	137	3	’s	’s	PART
fsr-3245	137	4	score	score	NOUN
fsr-3245	137	5	on	on	ADP
fsr-3245	137	6	each	each	DET
fsr-3245	137	7	scale	scale	NOUN
fsr-3245	137	8	was	be	AUX
fsr-3245	137	9	calculated	calculate	VERB
fsr-3245	137	10	as	as	ADP
fsr-3245	137	11	the	the	DET
fsr-3245	137	12	average	average	NOUN
fsr-3245	137	13	of	of	ADP
fsr-3245	137	14	the	the	DET
fsr-3245	137	15	planner	planner	NOUN
fsr-3245	137	16	’s	’s	PART
fsr-3245	137	17	ratings	rating	NOUN
fsr-3245	137	18	of	of	ADP
fsr-3245	137	19	each	each	DET
fsr-3245	137	20	item	item	NOUN
fsr-3245	137	21	within	within	ADP
fsr-3245	137	22	the	the	DET
fsr-3245	137	23	scale	scale	NOUN
fsr-3245	137	24	,	,	PUNCT
fsr-3245	137	25	with	with	ADP
fsr-3245	137	26	seven	seven	NUM
fsr-3245	137	27	of	of	ADP
fsr-3245	137	28	the	the	DET
fsr-3245	137	29	items	item	NOUN
fsr-3245	137	30	on	on	ADP
fsr-3245	137	31	the	the	DET
fsr-3245	137	32	original	original	ADJ
fsr-3245	137	33	cfc	cfc	NOUN
fsr-3245	137	34	scale	scale	NOUN
fsr-3245	137	35	requiring	require	VERB
fsr-3245	137	36	reverse	reverse	ADJ
fsr-3245	137	37	scoring	scoring	NOUN
fsr-3245	137	38	.	.	PUNCT
fsr-3245	138	1	descriptive	descriptive	ADJ
fsr-3245	138	2	statistics	statistic	NOUN
fsr-3245	138	3	for	for	ADP
fsr-3245	138	4	each	each	DET
fsr-3245	138	5	scale	scale	NOUN
fsr-3245	138	6	are	be	AUX
fsr-3245	138	7	presented	present	VERB
fsr-3245	138	8	in	in	ADP
fsr-3245	138	9	table	table	NOUN
fsr-3245	138	10	2	2	NUM
fsr-3245	138	11	.	.	PUNCT
fsr-3245	139	1	a	a	DET
fsr-3245	139	2	score	score	NOUN
fsr-3245	139	3	of	of	ADP
fsr-3245	139	4	one	one	NUM
fsr-3245	139	5	(	(	PUNCT
fsr-3245	139	6	extremely	extremely	ADV
fsr-3245	139	7	typical	typical	ADJ
fsr-3245	139	8	)	)	PUNCT
fsr-3245	139	9	to	to	ADP
fsr-3245	139	10	four	four	NUM
fsr-3245	139	11	(	(	PUNCT
fsr-3245	139	12	slightly	slightly	ADV
fsr-3245	139	13	typical	typical	ADJ
fsr-3245	139	14	)	)	PUNCT
fsr-3245	139	15	indicates	indicate	VERB
fsr-3245	139	16	that	that	SCONJ
fsr-3245	139	17	the	the	DET
fsr-3245	139	18	planner	planner	NOUN
fsr-3245	139	19	exhibits	exhibit	VERB
fsr-3245	139	20	the	the	DET
fsr-3245	139	21	tp	tp	NOUN
fsr-3245	139	22	measured	measure	VERB
fsr-3245	139	23	by	by	ADP
fsr-3245	139	24	that	that	DET
fsr-3245	139	25	scale	scale	NOUN
fsr-3245	139	26	,	,	PUNCT
fsr-3245	139	27	while	while	SCONJ
fsr-3245	139	28	a	a	DET
fsr-3245	139	29	score	score	NOUN
fsr-3245	139	30	of	of	ADP
fsr-3245	139	31	five	five	NUM
fsr-3245	139	32	(	(	PUNCT
fsr-3245	139	33	slightly	slightly	ADV
fsr-3245	139	34	atypical	atypical	ADJ
fsr-3245	139	35	)	)	PUNCT
fsr-3245	139	36	to	to	ADP
fsr-3245	139	37	eight	eight	NUM
fsr-3245	139	38	(	(	PUNCT
fsr-3245	139	39	extremely	extremely	ADV
fsr-3245	139	40	atypical	atypical	ADJ
fsr-3245	139	41	)	)	PUNCT
fsr-3245	139	42	implies	imply	VERB
fsr-3245	139	43	that	that	SCONJ
fsr-3245	139	44	the	the	DET
fsr-3245	139	45	planner	planner	NOUN
fsr-3245	139	46	is	be	AUX
fsr-3245	139	47	not	not	PART
fsr-3245	139	48	exhibiting	exhibit	VERB
fsr-3245	139	49	that	that	DET
fsr-3245	139	50	tp	tp	NOUN
fsr-3245	139	51	.	.	PUNCT
fsr-3245	140	1	in	in	ADP
fsr-3245	140	2	general	general	ADJ
fsr-3245	140	3	,	,	PUNCT
fsr-3245	140	4	the	the	DET
fsr-3245	140	5	results	result	NOUN
fsr-3245	140	6	support	support	VERB
fsr-3245	140	7	hypothesis	hypothesis	NOUN
fsr-3245	140	8	1	1	NUM
fsr-3245	140	9	and	and	CCONJ
fsr-3245	140	10	indicate	indicate	VERB
fsr-3245	140	11	that	that	SCONJ
fsr-3245	140	12	planners	planner	NOUN
fsr-3245	140	13	tend	tend	VERB
fsr-3245	140	14	to	to	PART
fsr-3245	140	15	be	be	AUX
fsr-3245	140	16	very	very	ADV
fsr-3245	140	17	future	future	ADJ
fsr-3245	140	18	oriented	oriented	ADJ
fsr-3245	140	19	.	.	PUNCT
fsr-3245	141	1	the	the	DET
fsr-3245	141	2	mean	mean	ADJ
fsr-3245	141	3	and	and	CCONJ
fsr-3245	141	4	median	median	ADJ
fsr-3245	141	5	scores	score	NOUN
fsr-3245	141	6	for	for	ADP
fsr-3245	141	7	each	each	DET
fsr-3245	141	8	future	future	ADJ
fsr-3245	141	9	scale	scale	NOUN
fsr-3245	141	10	(	(	PUNCT
fsr-3245	141	11	ztpi	ztpi	NOUN
fsr-3245	141	12	future	future	NOUN
fsr-3245	141	13	,	,	PUNCT
fsr-3245	141	14	cfc	cfc	PROPN
fsr-3245	141	15	,	,	PUNCT
fsr-3245	141	16	zfut_1	zfut_1	PROPN
fsr-3245	141	17	,	,	PUNCT
fsr-3245	141	18	zfut_2	zfut_2	PROPN
fsr-3245	141	19	,	,	PUNCT
fsr-3245	141	20	zfut_3	zfut_3	PROPN
fsr-3245	141	21	,	,	PUNCT
fsr-3245	141	22	cfc_f1	cfc_f1	NOUN
fsr-3245	141	23	,	,	PUNCT
fsr-3245	141	24	and	and	CCONJ
fsr-3245	141	25	cfc_f2	cfc_f2	NOUN
fsr-3245	141	26	)	)	PUNCT
fsr-3245	141	27	are	be	AUX
fsr-3245	141	28	between	between	ADP
fsr-3245	141	29	1.9	1.9	NUM
fsr-3245	141	30	and	and	CCONJ
fsr-3245	141	31	2.9	2.9	NUM
fsr-3245	141	32	,	,	PUNCT
fsr-3245	141	33	which	which	PRON
fsr-3245	141	34	falls	fall	VERB
fsr-3245	141	35	into	into	ADP
fsr-3245	141	36	the	the	DET
fsr-3245	141	37	very	very	ADV
fsr-3245	141	38	typical	typical	ADJ
fsr-3245	141	39	to	to	ADP
fsr-3245	141	40	moderately	moderately	ADV
fsr-3245	141	41	typical	typical	ADJ
fsr-3245	141	42	range	range	NOUN
fsr-3245	141	43	on	on	ADP
fsr-3245	141	44	an	an	DET
fsr-3245	141	45	eight	eight	NUM
fsr-3245	141	46	point	point	NOUN
fsr-3245	141	47	scale	scale	NOUN
fsr-3245	141	48	ranging	range	VERB
fsr-3245	141	49	from	from	ADP
fsr-3245	141	50	very	very	ADV
fsr-3245	141	51	typical	typical	ADJ
fsr-3245	141	52	to	to	ADP
fsr-3245	141	53	very	very	ADV
fsr-3245	141	54	atypical	atypical	ADJ
fsr-3245	141	55	.	.	PUNCT
fsr-3245	142	1	further	further	ADJ
fsr-3245	142	2	analysis	analysis	NOUN
fsr-3245	142	3	reveals	reveal	VERB
fsr-3245	142	4	that	that	SCONJ
fsr-3245	142	5	approximately	approximately	ADV
fsr-3245	142	6	99	99	NUM
fsr-3245	142	7	%	%	NOUN
fsr-3245	142	8	of	of	ADP
fsr-3245	142	9	the	the	DET
fsr-3245	142	10	planners	planner	NOUN
fsr-3245	142	11	exhibit	exhibit	VERB
fsr-3245	142	12	at	at	ADP
fsr-3245	142	13	least	least	ADJ
fsr-3245	142	14	a	a	DET
fsr-3245	142	15	slight	slight	ADJ
fsr-3245	142	16	future	future	ADJ
fsr-3245	142	17	bias	bias	NOUN
fsr-3245	142	18	as	as	SCONJ
fsr-3245	142	19	measured	measure	VERB
fsr-3245	142	20	by	by	ADP
fsr-3245	142	21	both	both	CCONJ
fsr-3245	142	22	the	the	DET
fsr-3245	142	23	ztpi	ztpi	NOUN
fsr-3245	142	24	future	future	ADJ
fsr-3245	142	25	scale	scale	NOUN
fsr-3245	142	26	and	and	CCONJ
fsr-3245	142	27	the	the	DET
fsr-3245	142	28	cfc	cfc	PROPN
fsr-3245	142	29	scale	scale	NOUN
fsr-3245	142	30	.	.	PUNCT
fsr-3245	143	1	on	on	ADP
fsr-3245	143	2	the	the	DET
fsr-3245	143	3	other	other	ADJ
fsr-3245	143	4	future	future	ADJ
fsr-3245	143	5	subscales	subscale	NOUN
fsr-3245	143	6	,	,	PUNCT
fsr-3245	143	7	90–97	90–97	NUM
fsr-3245	143	8	%	%	NOUN
fsr-3245	143	9	of	of	ADP
fsr-3245	143	10	the	the	DET
fsr-3245	143	11	planners	planner	NOUN
fsr-3245	143	12	display	display	VERB
fsr-3245	143	13	at	at	ADP
fsr-3245	143	14	least	least	ADJ
fsr-3245	143	15	some	some	PRON
fsr-3245	143	16	future	future	ADJ
fsr-3245	143	17	bias	bias	NOUN
fsr-3245	143	18	,	,	PUNCT
fsr-3245	143	19	depending	depend	VERB
fsr-3245	143	20	on	on	ADP
fsr-3245	143	21	the	the	DET
fsr-3245	143	22	scale	scale	NOUN
fsr-3245	143	23	.	.	PUNCT
fsr-3245	144	1	except	except	SCONJ
fsr-3245	144	2	for	for	ADP
fsr-3245	144	3	a	a	DET
fsr-3245	144	4	slight	slight	ADJ
fsr-3245	144	5	present	present	ADJ
fsr-3245	144	6	orientation	orientation	NOUN
fsr-3245	144	7	on	on	ADP
fsr-3245	144	8	the	the	DET
fsr-3245	144	9	zpres_2	zpres_2	PROPN
fsr-3245	144	10	scale	scale	NOUN
fsr-3245	144	11	,	,	PUNCT
fsr-3245	144	12	the	the	DET
fsr-3245	144	13	planners	planner	NOUN
fsr-3245	144	14	do	do	AUX
fsr-3245	144	15	not	not	PART
fsr-3245	144	16	generally	generally	ADV
fsr-3245	144	17	appear	appear	VERB
fsr-3245	144	18	to	to	PART
fsr-3245	144	19	be	be	AUX
fsr-3245	144	20	present	present	ADJ
fsr-3245	144	21	oriented	oriented	ADJ
fsr-3245	144	22	.	.	PUNCT
fsr-3245	145	1	the	the	DET
fsr-3245	145	2	mean	mean	ADJ
fsr-3245	145	3	and	and	CCONJ
fsr-3245	145	4	median	median	ADJ
fsr-3245	145	5	scores	score	NOUN
fsr-3245	145	6	for	for	ADP
fsr-3245	145	7	the	the	DET
fsr-3245	145	8	other	other	ADJ
fsr-3245	145	9	present	present	ADJ
fsr-3245	145	10	scales	scale	NOUN
fsr-3245	145	11	(	(	PUNCT
fsr-3245	145	12	ztpi	ztpi	NOUN
fsr-3245	145	13	present	present	ADJ
fsr-3245	145	14	,	,	PUNCT
fsr-3245	145	15	zpres_1	zpres_1	PROPN
fsr-3245	145	16	,	,	PUNCT
fsr-3245	145	17	cfc_p1	cfc_p1	PROPN
fsr-3245	145	18	,	,	PUNCT
fsr-3245	145	19	and	and	CCONJ
fsr-3245	145	20	cfc_p2	cfc_p2	ADJ
fsr-3245	145	21	)	)	PUNCT
fsr-3245	145	22	range	range	NOUN
fsr-3245	145	23	from	from	ADP
fsr-3245	145	24	4.4	4.4	NUM
fsr-3245	145	25	to	to	ADP
fsr-3245	145	26	6.5	6.5	NUM
fsr-3245	145	27	,	,	PUNCT
fsr-3245	145	28	meaning	mean	VERB
fsr-3245	145	29	a	a	DET
fsr-3245	145	30	present	present	ADJ
fsr-3245	145	31	orientation	orientation	NOUN
fsr-3245	145	32	is	be	AUX
fsr-3245	145	33	slightly	slightly	ADV
fsr-3245	145	34	to	to	PART
fsr-3245	145	35	moderately	moderately	ADV
fsr-3245	145	36	atypical	atypical	ADJ
fsr-3245	145	37	.	.	PUNCT
fsr-3245	146	1	thus	thus	ADV
fsr-3245	146	2	,	,	PUNCT
fsr-3245	146	3	the	the	DET
fsr-3245	146	4	results	result	NOUN
fsr-3245	146	5	taken	take	VERB
fsr-3245	146	6	as	as	ADP
fsr-3245	146	7	a	a	DET
fsr-3245	146	8	whole	whole	NOUN
fsr-3245	146	9	indicate	indicate	VERB
fsr-3245	146	10	that	that	SCONJ
fsr-3245	146	11	planners	planner	NOUN
fsr-3245	146	12	tend	tend	VERB
fsr-3245	146	13	to	to	PART
fsr-3245	146	14	be	be	AUX
fsr-3245	146	15	more	more	ADV
fsr-3245	146	16	future	future	ADJ
fsr-3245	146	17	oriented	orient	VERB
fsr-3245	146	18	than	than	ADP
fsr-3245	146	19	present	present	ADJ
fsr-3245	146	20	oriented	oriented	ADJ
fsr-3245	146	21	.	.	PUNCT
fsr-3245	147	1	this	this	DET
fsr-3245	147	2	conclusion	conclusion	NOUN
fsr-3245	147	3	is	be	AUX
fsr-3245	147	4	supported	support	VERB
fsr-3245	147	5	by	by	ADP
fsr-3245	147	6	a	a	DET
fsr-3245	147	7	paired	pair	VERB
fsr-3245	147	8	samples	sample	NOUN
fsr-3245	147	9	t	t	NOUN
fsr-3245	147	10	-	-	PUNCT
fsr-3245	147	11	test	test	NOUN
fsr-3245	147	12	that	that	PRON
fsr-3245	147	13	shows	show	VERB
fsr-3245	147	14	a	a	DET
fsr-3245	147	15	significant	significant	ADJ
fsr-3245	147	16	difference	difference	NOUN
fsr-3245	147	17	between	between	ADP
fsr-3245	147	18	the	the	DET
fsr-3245	147	19	advisors	advisor	NOUN
fsr-3245	147	20	’	'	PUNCT
fsr-3245	147	21	mean	mean	VERB
fsr-3245	147	22	scores	score	NOUN
fsr-3245	147	23	on	on	ADP
fsr-3245	147	24	the	the	DET
fsr-3245	147	25	ztpi	ztpi	NOUN
fsr-3245	147	26	present	present	ADJ
fsr-3245	147	27	scale	scale	NOUN
fsr-3245	147	28	versus	versus	ADP
fsr-3245	147	29	the	the	DET
fsr-3245	147	30	ztpi	ztpi	NOUN
fsr-3245	147	31	future	future	ADJ
fsr-3245	147	32	scale	scale	NOUN
fsr-3245	147	33	(	(	PUNCT
fsr-3245	147	34	means	mean	VERB
fsr-3245	147	35	:	:	PUNCT
fsr-3245	147	36	future	future	ADJ
fsr-3245	147	37	�	�	PROPN
fsr-3245	147	38	2.47	2.47	NUM
fsr-3245	147	39	and	and	CCONJ
fsr-3245	147	40	present	present	ADJ
fsr-3245	147	41	�	�	PROPN
fsr-3245	147	42	4.42	4.42	NUM
fsr-3245	147	43	,	,	PUNCT
fsr-3245	147	44	t	t	PROPN
fsr-3245	147	45	�	�	PROPN
fsr-3245	147	46	17.961	17.961	NUM
fsr-3245	147	47	,	,	PUNCT
fsr-3245	147	48	p	p	PROPN
fsr-3245	147	49	�	�	PROPN
fsr-3245	147	50	0.001	0.001	NUM
fsr-3245	147	51	)	)	PUNCT
fsr-3245	147	52	.	.	PUNCT
fsr-3245	148	1	a	a	DET
fsr-3245	148	2	similar	similar	ADJ
fsr-3245	148	3	result	result	NOUN
fsr-3245	148	4	is	be	AUX
fsr-3245	148	5	found	find	VERB
fsr-3245	148	6	with	with	ADP
fsr-3245	148	7	a	a	DET
fsr-3245	148	8	paired	pair	VERB
fsr-3245	148	9	t	t	NOUN
fsr-3245	148	10	-	-	PUNCT
fsr-3245	148	11	test	test	NOUN
fsr-3245	148	12	comparing	compare	VERB
fsr-3245	148	13	a	a	DET
fsr-3245	148	14	combined	combine	VERB
fsr-3245	148	15	cfc	cfc	NOUN
fsr-3245	148	16	present	present	ADJ
fsr-3245	148	17	scale	scale	NOUN
fsr-3245	148	18	395k.n	395k.n	NUM
fsr-3245	148	19	.	.	PUNCT
fsr-3245	148	20	ryack	ryack	NOUN
fsr-3245	148	21	/	/	SYM
fsr-3245	148	22	financial	financial	ADJ
fsr-3245	148	23	services	service	NOUN
fsr-3245	148	24	review	review	VERB
fsr-3245	148	25	24	24	NUM
fsr-3245	148	26	(	(	PUNCT
fsr-3245	148	27	2015	2015	NUM
fsr-3245	148	28	)	)	PUNCT
fsr-3245	148	29	387–410	387–410	NUM
fsr-3245	148	30	composed	compose	VERB
fsr-3245	148	31	of	of	ADP
fsr-3245	148	32	all	all	DET
fsr-3245	148	33	the	the	DET
fsr-3245	148	34	cfc	cfc	PROPN
fsr-3245	148	35	present	present	ADJ
fsr-3245	148	36	items	item	NOUN
fsr-3245	148	37	from	from	ADP
fsr-3245	148	38	the	the	DET
fsr-3245	148	39	cfc_p1	cfc_p1	NOUN
fsr-3245	148	40	and	and	CCONJ
fsr-3245	148	41	cfc_p2	cfc_p2	ADV
fsr-3245	148	42	scales	scale	VERB
fsr-3245	148	43	to	to	ADP
fsr-3245	148	44	a	a	DET
fsr-3245	148	45	combined	combine	VERB
fsr-3245	148	46	cfc	cfc	NOUN
fsr-3245	148	47	future	future	ADJ
fsr-3245	148	48	scale	scale	NOUN
fsr-3245	148	49	composed	compose	VERB
fsr-3245	148	50	of	of	ADP
fsr-3245	148	51	all	all	DET
fsr-3245	148	52	the	the	DET
fsr-3245	148	53	cfc	cfc	PROPN
fsr-3245	148	54	future	future	ADJ
fsr-3245	148	55	items	item	NOUN
fsr-3245	148	56	from	from	ADP
fsr-3245	148	57	the	the	DET
fsr-3245	148	58	cfc_f1	cfc_f1	PROPN
fsr-3245	148	59	and	and	CCONJ
fsr-3245	148	60	cfc_f2	cfc_f2	NOUN
fsr-3245	148	61	scales	scale	NOUN
fsr-3245	148	62	(	(	PUNCT
fsr-3245	148	63	means	mean	VERB
fsr-3245	148	64	:	:	PUNCT
fsr-3245	148	65	future	future	ADJ
fsr-3245	148	66	�	�	PROPN
fsr-3245	148	67	2.84	2.84	NUM
fsr-3245	148	68	and	and	CCONJ
fsr-3245	148	69	present	present	ADJ
fsr-3245	148	70	�	�	PROPN
fsr-3245	148	71	6.06	6.06	NUM
fsr-3245	148	72	,	,	PUNCT
fsr-3245	148	73	t	t	PROPN
fsr-3245	148	74	�	�	PROPN
fsr-3245	148	75	28.150	28.150	NUM
fsr-3245	148	76	,	,	PUNCT
fsr-3245	148	77	p	p	PROPN
fsr-3245	148	78	�	�	PROPN
fsr-3245	148	79	0.001	0.001	NUM
fsr-3245	148	80	)	)	PUNCT
fsr-3245	148	81	.	.	PUNCT
fsr-3245	149	1	4.2	4.2	NUM
fsr-3245	149	2	.	.	PUNCT
fsr-3245	149	3	testing	test	VERB
fsr-3245	149	4	the	the	DET
fsr-3245	149	5	relationship	relationship	NOUN
fsr-3245	149	6	between	between	ADP
fsr-3245	149	7	background	background	NOUN
fsr-3245	149	8	and	and	CCONJ
fsr-3245	149	9	tp	tp	ADP
fsr-3245	149	10	the	the	DET
fsr-3245	149	11	second	second	ADJ
fsr-3245	149	12	hypothesis	hypothesis	NOUN
fsr-3245	149	13	examines	examine	VERB
fsr-3245	149	14	the	the	DET
fsr-3245	149	15	relationship	relationship	NOUN
fsr-3245	149	16	between	between	ADP
fsr-3245	149	17	tp	tp	NOUN
fsr-3245	149	18	and	and	CCONJ
fsr-3245	149	19	the	the	DET
fsr-3245	149	20	professional	professional	ADJ
fsr-3245	149	21	background	background	NOUN
fsr-3245	149	22	of	of	ADP
fsr-3245	149	23	financial	financial	ADJ
fsr-3245	149	24	planners	planner	NOUN
fsr-3245	149	25	.	.	PUNCT
fsr-3245	150	1	to	to	PART
fsr-3245	150	2	investigate	investigate	VERB
fsr-3245	150	3	this	this	DET
fsr-3245	150	4	hypothesis	hypothesis	NOUN
fsr-3245	150	5	,	,	PUNCT
fsr-3245	150	6	i	i	PRON
fsr-3245	150	7	conducted	conduct	VERB
fsr-3245	150	8	a	a	DET
fsr-3245	150	9	series	series	NOUN
fsr-3245	150	10	of	of	ADP
fsr-3245	150	11	univariate	univariate	ADJ
fsr-3245	150	12	analysis	analysis	NOUN
fsr-3245	150	13	of	of	ADP
fsr-3245	150	14	variance	variance	NOUN
fsr-3245	150	15	(	(	PUNCT
fsr-3245	150	16	anova	anova	PROPN
fsr-3245	150	17	)	)	PUNCT
fsr-3245	150	18	tests	test	VERB
fsr-3245	150	19	for	for	ADP
fsr-3245	150	20	each	each	DET
fsr-3245	150	21	tp	tp	NOUN
fsr-3245	150	22	scale	scale	NOUN
fsr-3245	150	23	using	use	VERB
fsr-3245	150	24	tp	tp	PART
fsr-3245	150	25	score	score	NOUN
fsr-3245	150	26	as	as	ADP
fsr-3245	150	27	the	the	DET
fsr-3245	150	28	dependent	dependent	ADJ
fsr-3245	150	29	variable	variable	NOUN
fsr-3245	150	30	and	and	CCONJ
fsr-3245	150	31	firm	firm	ADJ
fsr-3245	150	32	type	type	NOUN
fsr-3245	150	33	as	as	ADP
fsr-3245	150	34	the	the	DET
fsr-3245	150	35	independent	independent	ADJ
fsr-3245	150	36	variable	variable	NOUN
fsr-3245	150	37	(	(	PUNCT
fsr-3245	150	38	i.e.	i.e.	X
fsr-3245	150	39	,	,	PUNCT
fsr-3245	150	40	accounting	accounting	NOUN
fsr-3245	150	41	,	,	PUNCT
fsr-3245	150	42	insurance	insurance	NOUN
fsr-3245	150	43	,	,	PUNCT
fsr-3245	150	44	securities	security	NOUN
fsr-3245	150	45	,	,	PUNCT
fsr-3245	150	46	and	and	CCONJ
fsr-3245	150	47	general	general	ADJ
fsr-3245	150	48	financial	financial	ADJ
fsr-3245	150	49	planning	planning	NOUN
fsr-3245	150	50	)	)	PUNCT
fsr-3245	150	51	.	.	PUNCT
fsr-3245	151	1	only	only	ADV
fsr-3245	151	2	eight	eight	NUM
fsr-3245	151	3	planners	planner	NOUN
fsr-3245	151	4	indicated	indicate	VERB
fsr-3245	151	5	they	they	PRON
fsr-3245	151	6	worked	work	VERB
fsr-3245	151	7	at	at	ADP
fsr-3245	151	8	some	some	DET
fsr-3245	151	9	other	other	ADJ
fsr-3245	151	10	type	type	NOUN
fsr-3245	151	11	of	of	ADP
fsr-3245	151	12	firm	firm	NOUN
fsr-3245	151	13	.	.	PUNCT
fsr-3245	152	1	these	these	DET
fsr-3245	152	2	planners	planner	NOUN
fsr-3245	152	3	were	be	AUX
fsr-3245	152	4	reclassified	reclassify	VERB
fsr-3245	152	5	based	base	VERB
fsr-3245	152	6	on	on	ADP
fsr-3245	152	7	their	their	PRON
fsr-3245	152	8	answer	answer	NOUN
fsr-3245	152	9	to	to	ADP
fsr-3245	152	10	a	a	DET
fsr-3245	152	11	question	question	NOUN
fsr-3245	152	12	that	that	PRON
fsr-3245	152	13	asked	ask	VERB
fsr-3245	152	14	them	they	PRON
fsr-3245	152	15	to	to	PART
fsr-3245	152	16	indicate	indicate	VERB
fsr-3245	152	17	their	their	PRON
fsr-3245	152	18	primary	primary	ADJ
fsr-3245	152	19	job	job	NOUN
fsr-3245	152	20	function	function	NOUN
fsr-3245	152	21	.	.	PUNCT
fsr-3245	153	1	for	for	ADP
fsr-3245	153	2	example	example	NOUN
fsr-3245	153	3	,	,	PUNCT
fsr-3245	153	4	if	if	SCONJ
fsr-3245	153	5	a	a	DET
fsr-3245	153	6	planner	planner	NOUN
fsr-3245	153	7	indicated	indicate	VERB
fsr-3245	153	8	his	his	PRON
fsr-3245	153	9	or	or	CCONJ
fsr-3245	153	10	her	her	PRON
fsr-3245	153	11	primary	primary	ADJ
fsr-3245	153	12	job	job	NOUN
fsr-3245	153	13	function	function	NOUN
fsr-3245	153	14	was	be	AUX
fsr-3245	153	15	investment	investment	NOUN
fsr-3245	153	16	advising	advising	NOUN
fsr-3245	153	17	,	,	PUNCT
fsr-3245	153	18	then	then	ADV
fsr-3245	153	19	that	that	DET
fsr-3245	153	20	planner	planner	NOUN
fsr-3245	153	21	was	be	AUX
fsr-3245	153	22	reclassified	reclassify	VERB
fsr-3245	153	23	as	as	ADP
fsr-3245	153	24	working	work	VERB
fsr-3245	153	25	for	for	ADP
fsr-3245	153	26	a	a	DET
fsr-3245	153	27	securities	security	NOUN
fsr-3245	153	28	firm	firm	NOUN
fsr-3245	153	29	.	.	PUNCT
fsr-3245	154	1	as	as	SCONJ
fsr-3245	154	2	can	can	AUX
fsr-3245	154	3	be	be	AUX
fsr-3245	154	4	seen	see	VERB
fsr-3245	154	5	in	in	ADP
fsr-3245	154	6	table	table	NOUN
fsr-3245	154	7	3	3	NUM
fsr-3245	154	8	,	,	PUNCT
fsr-3245	154	9	out	out	ADP
fsr-3245	154	10	of	of	ADP
fsr-3245	154	11	the	the	DET
fsr-3245	154	12	12	12	NUM
fsr-3245	154	13	tests	test	NOUN
fsr-3245	154	14	conducted	conduct	VERB
fsr-3245	154	15	,	,	PUNCT
fsr-3245	154	16	only	only	ADV
fsr-3245	154	17	the	the	DET
fsr-3245	154	18	ztpi	ztpi	NOUN
fsr-3245	154	19	present	present	ADJ
fsr-3245	154	20	scale	scale	NOUN
fsr-3245	154	21	(	(	PUNCT
fsr-3245	154	22	f	f	PROPN
fsr-3245	154	23	�	�	PROPN
fsr-3245	154	24	3.195	3.195	NUM
fsr-3245	154	25	,	,	PUNCT
fsr-3245	154	26	p	p	PROPN
fsr-3245	154	27	�	�	PROPN
fsr-3245	154	28	0.026	0.026	NUM
fsr-3245	154	29	)	)	PUNCT
fsr-3245	154	30	and	and	CCONJ
fsr-3245	154	31	the	the	DET
fsr-3245	154	32	zpres_2	zpres_2	PROPN
fsr-3245	154	33	scale	scale	NOUN
fsr-3245	154	34	(	(	PUNCT
fsr-3245	154	35	f	f	PROPN
fsr-3245	154	36	�	�	PROPN
fsr-3245	154	37	4.540	4.540	NUM
fsr-3245	154	38	,	,	PUNCT
fsr-3245	154	39	p	p	PROPN
fsr-3245	154	40	�	�	PROPN
fsr-3245	154	41	0.005	0.005	NUM
fsr-3245	154	42	)	)	PUNCT
fsr-3245	154	43	appear	appear	VERB
fsr-3245	154	44	to	to	PART
fsr-3245	154	45	be	be	AUX
fsr-3245	154	46	significantly	significantly	ADV
fsr-3245	154	47	affected	affect	VERB
fsr-3245	154	48	by	by	ADP
fsr-3245	154	49	firm	firm	ADJ
fsr-3245	154	50	type	type	NOUN
fsr-3245	154	51	.	.	PUNCT
fsr-3245	155	1	while	while	SCONJ
fsr-3245	155	2	a	a	DET
fsr-3245	155	3	lower	low	ADJ
fsr-3245	155	4	score	score	NOUN
fsr-3245	155	5	on	on	ADP
fsr-3245	155	6	the	the	DET
fsr-3245	155	7	ztpi	ztpi	NOUN
fsr-3245	155	8	present	present	ADJ
fsr-3245	155	9	scale	scale	NOUN
fsr-3245	155	10	indicates	indicate	VERB
fsr-3245	155	11	a	a	DET
fsr-3245	155	12	stronger	strong	ADJ
fsr-3245	155	13	overall	overall	ADJ
fsr-3245	155	14	present	present	ADJ
fsr-3245	155	15	orientation	orientation	NOUN
fsr-3245	155	16	,	,	PUNCT
fsr-3245	155	17	a	a	DET
fsr-3245	155	18	lower	low	ADJ
fsr-3245	155	19	score	score	NOUN
fsr-3245	155	20	on	on	ADP
fsr-3245	155	21	the	the	DET
fsr-3245	155	22	zpres_2	zpres_2	PROPN
fsr-3245	155	23	scale	scale	NOUN
fsr-3245	155	24	reflects	reflect	VERB
fsr-3245	155	25	a	a	DET
fsr-3245	155	26	stronger	strong	ADJ
fsr-3245	155	27	desire	desire	NOUN
fsr-3245	155	28	to	to	PART
fsr-3245	155	29	maintain	maintain	VERB
fsr-3245	155	30	the	the	DET
fsr-3245	155	31	quality	quality	NOUN
fsr-3245	155	32	of	of	ADP
fsr-3245	155	33	one	one	NUM
fsr-3245	155	34	’s	’s	PART
fsr-3245	155	35	present	present	ADJ
fsr-3245	155	36	lifestyle	lifestyle	NOUN
fsr-3245	155	37	and	and	CCONJ
fsr-3245	155	38	to	to	PART
fsr-3245	155	39	keep	keep	VERB
fsr-3245	155	40	everyday	everyday	ADJ
fsr-3245	155	41	life	life	NOUN
fsr-3245	155	42	interesting	interesting	ADJ
fsr-3245	155	43	.	.	PUNCT
fsr-3245	156	1	results	result	NOUN
fsr-3245	156	2	for	for	ADP
fsr-3245	156	3	the	the	DET
fsr-3245	156	4	zpres_1	zpres_1	NOUN
fsr-3245	156	5	scale	scale	NOUN
fsr-3245	156	6	(	(	PUNCT
fsr-3245	156	7	a	a	DET
fsr-3245	156	8	measure	measure	NOUN
fsr-3245	156	9	of	of	ADP
fsr-3245	156	10	spontaneity	spontaneity	NOUN
fsr-3245	156	11	and	and	CCONJ
fsr-3245	156	12	impulsiveness	impulsiveness	NOUN
fsr-3245	156	13	)	)	PUNCT
fsr-3245	156	14	are	be	AUX
fsr-3245	156	15	also	also	ADV
fsr-3245	156	16	marginally	marginally	ADV
fsr-3245	156	17	significant	significant	ADJ
fsr-3245	156	18	(	(	PUNCT
fsr-3245	156	19	f	f	PROPN
fsr-3245	156	20	�	�	PROPN
fsr-3245	156	21	2.317	2.317	NUM
fsr-3245	156	22	,	,	PUNCT
fsr-3245	156	23	p	p	PROPN
fsr-3245	156	24	�	�	PROPN
fsr-3245	156	25	0.079	0.079	NUM
fsr-3245	156	26	)	)	PUNCT
fsr-3245	156	27	.	.	PUNCT
fsr-3245	157	1	tukey	tukey	PROPN
fsr-3245	157	2	-	-	PUNCT
fsr-3245	157	3	kramer	kramer	PROPN
fsr-3245	157	4	post	post	X
fsr-3245	157	5	hoc	hoc	X
fsr-3245	157	6	pairwise	pairwise	NOUN
fsr-3245	157	7	comparisons	comparison	NOUN
fsr-3245	157	8	conducted	conduct	VERB
fsr-3245	157	9	for	for	ADP
fsr-3245	157	10	these	these	DET
fsr-3245	157	11	three	three	NUM
fsr-3245	157	12	scales	scale	NOUN
fsr-3245	157	13	show	show	VERB
fsr-3245	157	14	that	that	SCONJ
fsr-3245	157	15	the	the	DET
fsr-3245	157	16	differences	difference	NOUN
fsr-3245	157	17	are	be	AUX
fsr-3245	157	18	driven	drive	VERB
fsr-3245	157	19	by	by	ADP
fsr-3245	157	20	advisors	advisor	NOUN
fsr-3245	157	21	from	from	ADP
fsr-3245	157	22	the	the	DET
fsr-3245	157	23	insurance	insurance	NOUN
fsr-3245	157	24	table	table	NOUN
fsr-3245	157	25	2	2	NUM
fsr-3245	157	26	time	time	NOUN
fsr-3245	157	27	perspective	perspective	NOUN
fsr-3245	157	28	scores	score	NOUN
fsr-3245	157	29	of	of	ADP
fsr-3245	157	30	financial	financial	ADJ
fsr-3245	157	31	planners	planner	NOUN
fsr-3245	157	32	scale	scale	VERB
fsr-3245	157	33	mean	mean	ADJ
fsr-3245	157	34	median	median	PROPN
fsr-3245	157	35	min	min	PROPN
fsr-3245	157	36	max	max	PROPN
fsr-3245	157	37	sd	sd	ADP
fsr-3245	157	38	ztpi	ztpi	NOUN
fsr-3245	157	39	present	present	VERB
fsr-3245	157	40	4.42	4.42	NUM
fsr-3245	157	41	4.44	4.44	NUM
fsr-3245	157	42	2.11	2.11	NUM
fsr-3245	157	43	6.67	6.67	NUM
fsr-3245	157	44	0.95	0.95	NUM
fsr-3245	157	45	ztpi	ztpi	NOUN
fsr-3245	157	46	future	future	NOUN
fsr-3245	157	47	2.47	2.47	NUM
fsr-3245	157	48	2.33	2.33	NUM
fsr-3245	157	49	1.22	1.22	NUM
fsr-3245	157	50	5.00	5.00	NUM
fsr-3245	157	51	0.67	0.67	NUM
fsr-3245	157	52	cfc	cfc	PROPN
fsr-3245	157	53	2.90	2.90	NUM
fsr-3245	157	54	2.92	2.92	NUM
fsr-3245	157	55	1.17	1.17	NUM
fsr-3245	157	56	4.58	4.58	NUM
fsr-3245	157	57	0.66	0.66	NUM
fsr-3245	157	58	zpres_1	zpres_1	PROPN
fsr-3245	157	59	5.10	5.10	NUM
fsr-3245	157	60	5.00	5.00	NUM
fsr-3245	157	61	2.00	2.00	NUM
fsr-3245	157	62	7.25	7.25	NUM
fsr-3245	157	63	1.07	1.07	NUM
fsr-3245	157	64	zpres_2	zpres_2	NOUN
fsr-3245	157	65	3.78	3.78	NUM
fsr-3245	157	66	3.75	3.75	NUM
fsr-3245	157	67	1.50	1.50	NUM
fsr-3245	157	68	6.75	6.75	NUM
fsr-3245	157	69	1.13	1.13	NUM
fsr-3245	157	70	zfut_1	zfut_1	ADJ
fsr-3245	157	71	2.68	2.68	NUM
fsr-3245	157	72	2.50	2.50	NUM
fsr-3245	157	73	1.00	1.00	NUM
fsr-3245	157	74	6.50	6.50	NUM
fsr-3245	157	75	0.84	0.84	NUM
fsr-3245	157	76	zfut_2	zfut_2	NUM
fsr-3245	157	77	1.93	1.93	NUM
fsr-3245	157	78	2.00	2.00	NUM
fsr-3245	157	79	1.00	1.00	NUM
fsr-3245	157	80	6.00	6.00	NUM
fsr-3245	157	81	0.93	0.93	NUM
fsr-3245	157	82	zfut_3	zfut_3	NUM
fsr-3245	157	83	2.54	2.54	NUM
fsr-3245	157	84	2.33	2.33	NUM
fsr-3245	157	85	1.00	1.00	NUM
fsr-3245	157	86	5.33	5.33	NUM
fsr-3245	157	87	0.96	0.96	NUM
fsr-3245	157	88	cfc_p1	cfc_p1	PROPN
fsr-3245	157	89	5.97	5.97	NUM
fsr-3245	157	90	6.00	6.00	NUM
fsr-3245	157	91	2.40	2.40	NUM
fsr-3245	157	92	8.00	8.00	NUM
fsr-3245	157	93	0.98	0.98	NUM
fsr-3245	157	94	cfc_p2	cfc_p2	ADV
fsr-3245	157	95	6.35	6.35	NUM
fsr-3245	157	96	6.50	6.50	NUM
fsr-3245	157	97	3.50	3.50	NUM
fsr-3245	157	98	8.00	8.00	NUM
fsr-3245	157	99	0.85	0.85	NUM
fsr-3245	157	100	cfc_f1	cfc_f1	PROPN
fsr-3245	157	101	2.81	2.81	NUM
fsr-3245	157	102	2.67	2.67	NUM
fsr-3245	157	103	1.00	1.00	NUM
fsr-3245	157	104	6.67	6.67	NUM
fsr-3245	157	105	0.84	0.84	NUM
fsr-3245	157	106	cfc_f2	cfc_f2	NOUN
fsr-3245	157	107	2.88	2.88	NUM
fsr-3245	157	108	2.50	2.50	NUM
fsr-3245	157	109	1.00	1.00	NUM
fsr-3245	157	110	7.00	7.00	NUM
fsr-3245	157	111	1.21	1.21	NUM
fsr-3245	157	112	the	the	DET
fsr-3245	157	113	scale	scale	NOUN
fsr-3245	157	114	measures	measure	NOUN
fsr-3245	157	115	in	in	ADP
fsr-3245	157	116	this	this	DET
fsr-3245	157	117	table	table	NOUN
fsr-3245	157	118	include	include	VERB
fsr-3245	157	119	the	the	DET
fsr-3245	157	120	original	original	ADJ
fsr-3245	157	121	cfc	cfc	NOUN
fsr-3245	157	122	scale	scale	NOUN
fsr-3245	157	123	,	,	PUNCT
fsr-3245	157	124	the	the	DET
fsr-3245	157	125	modified	modify	VERB
fsr-3245	157	126	versions	version	NOUN
fsr-3245	157	127	of	of	ADP
fsr-3245	157	128	the	the	DET
fsr-3245	157	129	original	original	ADJ
fsr-3245	157	130	ztpi	ztpi	NOUN
fsr-3245	157	131	present	present	ADJ
fsr-3245	157	132	-	-	PUNCT
fsr-3245	157	133	hedonistic	hedonistic	ADJ
fsr-3245	157	134	and	and	CCONJ
fsr-3245	157	135	future	future	ADJ
fsr-3245	157	136	scales	scale	NOUN
fsr-3245	157	137	,	,	PUNCT
fsr-3245	157	138	and	and	CCONJ
fsr-3245	157	139	the	the	DET
fsr-3245	157	140	nine	nine	NUM
fsr-3245	157	141	subscales	subscale	NOUN
fsr-3245	157	142	from	from	ADP
fsr-3245	157	143	ryack	ryack	NOUN
fsr-3245	157	144	(	(	PUNCT
fsr-3245	157	145	2012	2012	NUM
fsr-3245	157	146	)	)	PUNCT
fsr-3245	157	147	.	.	PUNCT
fsr-3245	158	1	the	the	DET
fsr-3245	158	2	planners	planner	NOUN
fsr-3245	158	3	rated	rate	VERB
fsr-3245	158	4	each	each	DET
fsr-3245	158	5	item	item	NOUN
fsr-3245	158	6	on	on	ADP
fsr-3245	158	7	an	an	DET
fsr-3245	158	8	eight	eight	NUM
fsr-3245	158	9	point	point	NOUN
fsr-3245	158	10	scale	scale	NOUN
fsr-3245	158	11	(	(	PUNCT
fsr-3245	158	12	extremely	extremely	ADV
fsr-3245	158	13	typical	typical	ADJ
fsr-3245	158	14	to	to	ADP
fsr-3245	158	15	extremely	extremely	ADV
fsr-3245	158	16	atypical	atypical	ADJ
fsr-3245	158	17	)	)	PUNCT
fsr-3245	158	18	and	and	CCONJ
fsr-3245	158	19	their	their	PRON
fsr-3245	158	20	scores	score	NOUN
fsr-3245	158	21	for	for	ADP
fsr-3245	158	22	each	each	DET
fsr-3245	158	23	measure	measure	NOUN
fsr-3245	158	24	were	be	AUX
fsr-3245	158	25	calculated	calculate	VERB
fsr-3245	158	26	as	as	ADP
fsr-3245	158	27	the	the	DET
fsr-3245	158	28	average	average	NOUN
fsr-3245	158	29	of	of	ADP
fsr-3245	158	30	the	the	DET
fsr-3245	158	31	ratings	rating	NOUN
fsr-3245	158	32	for	for	ADP
fsr-3245	158	33	each	each	DET
fsr-3245	158	34	item	item	NOUN
fsr-3245	158	35	included	include	VERB
fsr-3245	158	36	in	in	ADP
fsr-3245	158	37	that	that	DET
fsr-3245	158	38	measure	measure	NOUN
fsr-3245	158	39	.	.	PUNCT
fsr-3245	159	1	the	the	DET
fsr-3245	159	2	present	present	ADJ
fsr-3245	159	3	items	item	NOUN
fsr-3245	159	4	in	in	ADP
fsr-3245	159	5	the	the	DET
fsr-3245	159	6	original	original	ADJ
fsr-3245	159	7	cfc	cfc	NOUN
fsr-3245	159	8	measure	measure	NOUN
fsr-3245	159	9	are	be	AUX
fsr-3245	159	10	reverse	reverse	ADJ
fsr-3245	159	11	scored	score	VERB
fsr-3245	159	12	.	.	PUNCT
fsr-3245	160	1	a	a	DET
fsr-3245	160	2	scale	scale	NOUN
fsr-3245	160	3	score	score	NOUN
fsr-3245	160	4	in	in	ADP
fsr-3245	160	5	the	the	DET
fsr-3245	160	6	range	range	NOUN
fsr-3245	160	7	of	of	ADP
fsr-3245	160	8	1	1	NUM
fsr-3245	160	9	–	–	SYM
fsr-3245	160	10	4	4	NUM
fsr-3245	160	11	means	mean	VERB
fsr-3245	160	12	the	the	DET
fsr-3245	160	13	planner	planner	NOUN
fsr-3245	160	14	is	be	AUX
fsr-3245	160	15	exhibiting	exhibit	VERB
fsr-3245	160	16	the	the	DET
fsr-3245	160	17	tp	tp	NOUN
fsr-3245	160	18	measured	measure	VERB
fsr-3245	160	19	by	by	ADP
fsr-3245	160	20	that	that	DET
fsr-3245	160	21	scale	scale	NOUN
fsr-3245	160	22	(	(	PUNCT
fsr-3245	160	23	1	1	NUM
fsr-3245	160	24	�	�	PROPN
fsr-3245	160	25	extremely	extremely	ADV
fsr-3245	160	26	typical	typical	ADJ
fsr-3245	160	27	,	,	PUNCT
fsr-3245	160	28	2	2	NUM
fsr-3245	160	29	�	�	NOUN
fsr-3245	160	30	very	very	ADV
fsr-3245	160	31	typical	typical	ADJ
fsr-3245	160	32	,	,	PUNCT
fsr-3245	160	33	3	3	NUM
fsr-3245	160	34	�	�	PROPN
fsr-3245	160	35	moderately	moderately	ADV
fsr-3245	160	36	typical	typical	ADJ
fsr-3245	160	37	,	,	PUNCT
fsr-3245	160	38	4	4	NUM
fsr-3245	160	39	�	�	NOUN
fsr-3245	160	40	slightly	slightly	ADV
fsr-3245	160	41	typical	typical	ADJ
fsr-3245	160	42	)	)	PUNCT
fsr-3245	160	43	.	.	PUNCT
fsr-3245	161	1	a	a	DET
fsr-3245	161	2	score	score	NOUN
fsr-3245	161	3	in	in	ADP
fsr-3245	161	4	the	the	DET
fsr-3245	161	5	range	range	NOUN
fsr-3245	161	6	of	of	ADP
fsr-3245	161	7	5	5	NUM
fsr-3245	161	8	–	–	SYM
fsr-3245	161	9	8	8	NUM
fsr-3245	161	10	means	mean	VERB
fsr-3245	161	11	the	the	DET
fsr-3245	161	12	planner	planner	NOUN
fsr-3245	161	13	is	be	AUX
fsr-3245	161	14	not	not	PART
fsr-3245	161	15	exhibiting	exhibit	VERB
fsr-3245	161	16	the	the	DET
fsr-3245	161	17	tp	tp	NOUN
fsr-3245	161	18	measured	measure	VERB
fsr-3245	161	19	by	by	ADP
fsr-3245	161	20	that	that	DET
fsr-3245	161	21	scale	scale	NOUN
fsr-3245	161	22	(	(	PUNCT
fsr-3245	161	23	5	5	NUM
fsr-3245	161	24	�	�	PROPN
fsr-3245	161	25	slightly	slightly	ADV
fsr-3245	161	26	atypical	atypical	ADJ
fsr-3245	161	27	,	,	PUNCT
fsr-3245	161	28	6	6	NUM
fsr-3245	161	29	�	�	PROPN
fsr-3245	161	30	moderately	moderately	ADV
fsr-3245	161	31	atypical	atypical	ADJ
fsr-3245	161	32	,	,	PUNCT
fsr-3245	161	33	7	7	NUM
fsr-3245	161	34	�	�	PROPN
fsr-3245	161	35	very	very	ADV
fsr-3245	161	36	atypical	atypical	ADJ
fsr-3245	161	37	,	,	PUNCT
fsr-3245	161	38	8	8	NUM
fsr-3245	161	39	�	�	NOUN
fsr-3245	161	40	extremely	extremely	ADV
fsr-3245	161	41	atypical	atypical	ADJ
fsr-3245	161	42	)	)	PUNCT
fsr-3245	161	43	.	.	PUNCT
fsr-3245	162	1	396	396	NUM
fsr-3245	162	2	k.n	k.n	PROPN
fsr-3245	162	3	.	.	PROPN
fsr-3245	162	4	ryack	ryack	PROPN
fsr-3245	162	5	/	/	SYM
fsr-3245	162	6	financial	financial	ADJ
fsr-3245	162	7	services	service	NOUN
fsr-3245	162	8	review	review	VERB
fsr-3245	162	9	24	24	NUM
fsr-3245	162	10	(	(	PUNCT
fsr-3245	162	11	2015	2015	NUM
fsr-3245	162	12	)	)	PUNCT
fsr-3245	162	13	387–410	387–410	NUM
fsr-3245	162	14	firms	firm	NOUN
fsr-3245	162	15	.	.	PUNCT
fsr-3245	163	1	the	the	DET
fsr-3245	163	2	contrasts	contrast	NOUN
fsr-3245	163	3	further	far	ADV
fsr-3245	163	4	indicate	indicate	VERB
fsr-3245	163	5	a	a	DET
fsr-3245	163	6	significant	significant	ADJ
fsr-3245	163	7	difference	difference	NOUN
fsr-3245	163	8	on	on	ADP
fsr-3245	163	9	the	the	DET
fsr-3245	163	10	ztpi	ztpi	NOUN
fsr-3245	163	11	present	present	ADJ
fsr-3245	163	12	scale	scale	NOUN
fsr-3245	163	13	between	between	ADP
fsr-3245	163	14	planners	planner	NOUN
fsr-3245	163	15	working	work	VERB
fsr-3245	163	16	at	at	ADP
fsr-3245	163	17	insurance	insurance	NOUN
fsr-3245	163	18	firms	firm	NOUN
fsr-3245	163	19	compared	compare	VERB
fsr-3245	163	20	to	to	ADP
fsr-3245	163	21	accounting	accounting	NOUN
fsr-3245	163	22	firms	firm	NOUN
fsr-3245	163	23	(	(	PUNCT
fsr-3245	163	24	mean	mean	VERB
fsr-3245	163	25	difference	difference	NOUN
fsr-3245	163	26	�	�	PROPN
fsr-3245	163	27	�	�	PROPN
fsr-3245	163	28	0.939	0.939	NUM
fsr-3245	163	29	,	,	PUNCT
fsr-3245	163	30	p	p	PROPN
fsr-3245	163	31	�	�	PROPN
fsr-3245	163	32	0.013	0.013	NUM
fsr-3245	163	33	)	)	PUNCT
fsr-3245	163	34	.	.	PUNCT
fsr-3245	164	1	comparisons	comparison	NOUN
fsr-3245	164	2	for	for	ADP
fsr-3245	164	3	the	the	DET
fsr-3245	164	4	zpres_2	zpres_2	PROPN
fsr-3245	164	5	scale	scale	NOUN
fsr-3245	164	6	further	far	ADV
fsr-3245	164	7	reveal	reveal	VERB
fsr-3245	164	8	a	a	DET
fsr-3245	164	9	significant	significant	ADJ
fsr-3245	164	10	difference	difference	NOUN
fsr-3245	164	11	between	between	ADP
fsr-3245	164	12	planners	planner	NOUN
fsr-3245	164	13	working	work	VERB
fsr-3245	164	14	in	in	ADP
fsr-3245	164	15	insurance	insurance	NOUN
fsr-3245	164	16	versus	versus	ADP
fsr-3245	164	17	accounting	accounting	NOUN
fsr-3245	164	18	(	(	PUNCT
fsr-3245	164	19	mean	mean	INTJ
fsr-3245	164	20	difference	difference	NOUN
fsr-3245	164	21	�	�	PROPN
fsr-3245	164	22	�	�	PROPN
fsr-3245	164	23	1.263	1.263	NUM
fsr-3245	164	24	,	,	PUNCT
fsr-3245	164	25	p	p	PROPN
fsr-3245	164	26	�	�	PROPN
fsr-3245	164	27	0.003	0.003	NUM
fsr-3245	164	28	)	)	PUNCT
fsr-3245	164	29	,	,	PUNCT
fsr-3245	164	30	insurance	insurance	NOUN
fsr-3245	164	31	versus	versus	ADP
fsr-3245	164	32	securities	security	NOUN
fsr-3245	164	33	(	(	PUNCT
fsr-3245	164	34	mean	mean	VERB
fsr-3245	164	35	difference	difference	NOUN
fsr-3245	164	36	�	�	PROPN
fsr-3245	164	37	�	�	PROPN
fsr-3245	164	38	0.906	0.906	NUM
fsr-3245	164	39	,	,	PUNCT
fsr-3245	164	40	p	p	PROPN
fsr-3245	164	41	�	�	PROPN
fsr-3245	164	42	0.026	0.026	NUM
fsr-3245	164	43	)	)	PUNCT
fsr-3245	164	44	,	,	PUNCT
fsr-3245	164	45	and	and	CCONJ
fsr-3245	164	46	insurance	insurance	NOUN
fsr-3245	164	47	versus	versus	ADP
fsr-3245	164	48	general	general	ADJ
fsr-3245	164	49	financial	financial	ADJ
fsr-3245	164	50	planning	planning	NOUN
fsr-3245	164	51	firms	firm	NOUN
fsr-3245	164	52	(	(	PUNCT
fsr-3245	164	53	mean	mean	VERB
fsr-3245	164	54	difference	difference	NOUN
fsr-3245	164	55	�	�	PROPN
fsr-3245	164	56	�	�	PROPN
fsr-3245	164	57	0.797	0.797	NUM
fsr-3245	164	58	,	,	PUNCT
fsr-3245	164	59	p	p	PROPN
fsr-3245	164	60	�	�	PROPN
fsr-3245	164	61	0.036	0.036	NUM
fsr-3245	164	62	)	)	PUNCT
fsr-3245	164	63	.	.	PUNCT
fsr-3245	165	1	these	these	DET
fsr-3245	165	2	results	result	NOUN
fsr-3245	165	3	suggest	suggest	VERB
fsr-3245	165	4	that	that	SCONJ
fsr-3245	165	5	the	the	DET
fsr-3245	165	6	advisors	advisor	NOUN
fsr-3245	165	7	from	from	ADP
fsr-3245	165	8	the	the	DET
fsr-3245	165	9	insurance	insurance	NOUN
fsr-3245	165	10	firms	firm	NOUN
fsr-3245	165	11	are	be	AUX
fsr-3245	165	12	generally	generally	ADV
fsr-3245	165	13	more	more	ADV
fsr-3245	165	14	present	present	ADJ
fsr-3245	165	15	oriented	orient	VERB
fsr-3245	165	16	than	than	ADP
fsr-3245	165	17	the	the	DET
fsr-3245	165	18	advisors	advisor	NOUN
fsr-3245	165	19	from	from	ADP
fsr-3245	165	20	the	the	DET
fsr-3245	165	21	accounting	accounting	NOUN
fsr-3245	165	22	firms	firm	NOUN
fsr-3245	165	23	.	.	PUNCT
fsr-3245	166	1	the	the	DET
fsr-3245	166	2	advisors	advisor	NOUN
fsr-3245	166	3	from	from	ADP
fsr-3245	166	4	the	the	DET
fsr-3245	166	5	insurance	insurance	NOUN
fsr-3245	166	6	firms	firm	NOUN
fsr-3245	166	7	also	also	ADV
fsr-3245	166	8	appear	appear	VERB
fsr-3245	166	9	to	to	PART
fsr-3245	166	10	have	have	VERB
fsr-3245	166	11	a	a	DET
fsr-3245	166	12	stronger	strong	ADJ
fsr-3245	166	13	desire	desire	NOUN
fsr-3245	166	14	to	to	PART
fsr-3245	166	15	maintain	maintain	VERB
fsr-3245	166	16	the	the	DET
fsr-3245	166	17	quality	quality	NOUN
fsr-3245	166	18	of	of	ADP
fsr-3245	166	19	one	one	NUM
fsr-3245	166	20	’s	’s	PART
fsr-3245	166	21	present	present	ADJ
fsr-3245	166	22	lifestyle	lifestyle	NOUN
fsr-3245	166	23	and	and	CCONJ
fsr-3245	166	24	to	to	PART
fsr-3245	166	25	keep	keep	VERB
fsr-3245	166	26	everyday	everyday	ADJ
fsr-3245	166	27	life	life	NOUN
fsr-3245	166	28	interesting	interesting	ADJ
fsr-3245	166	29	when	when	SCONJ
fsr-3245	166	30	compared	compare	VERB
fsr-3245	166	31	to	to	ADP
fsr-3245	166	32	the	the	DET
fsr-3245	166	33	advisors	advisor	NOUN
fsr-3245	166	34	from	from	ADP
fsr-3245	166	35	all	all	DET
fsr-3245	166	36	the	the	DET
fsr-3245	166	37	other	other	ADJ
fsr-3245	166	38	types	type	NOUN
fsr-3245	166	39	of	of	ADP
fsr-3245	166	40	firms	firm	NOUN
fsr-3245	166	41	.	.	PUNCT
fsr-3245	167	1	however	however	ADV
fsr-3245	167	2	,	,	PUNCT
fsr-3245	167	3	there	there	PRON
fsr-3245	167	4	are	be	VERB
fsr-3245	167	5	no	no	DET
fsr-3245	167	6	differences	difference	NOUN
fsr-3245	167	7	evident	evident	ADJ
fsr-3245	167	8	in	in	ADP
fsr-3245	167	9	any	any	PRON
fsr-3245	167	10	of	of	ADP
fsr-3245	167	11	the	the	DET
fsr-3245	167	12	ztpi	ztpi	NOUN
fsr-3245	167	13	future	future	ADJ
fsr-3245	167	14	scale	scale	NOUN
fsr-3245	167	15	measures	measure	NOUN
fsr-3245	167	16	or	or	CCONJ
fsr-3245	167	17	any	any	PRON
fsr-3245	167	18	of	of	ADP
fsr-3245	167	19	the	the	DET
fsr-3245	167	20	cfc	cfc	NOUN
fsr-3245	167	21	scale	scale	NOUN
fsr-3245	167	22	measures	measure	NOUN
fsr-3245	167	23	.	.	PUNCT
fsr-3245	168	1	in	in	ADP
fsr-3245	168	2	other	other	ADJ
fsr-3245	168	3	words	word	NOUN
fsr-3245	168	4	,	,	PUNCT
fsr-3245	168	5	except	except	SCONJ
fsr-3245	168	6	for	for	ADP
fsr-3245	168	7	the	the	DET
fsr-3245	168	8	differences	difference	NOUN
fsr-3245	168	9	found	find	VERB
fsr-3245	168	10	with	with	ADP
fsr-3245	168	11	the	the	DET
fsr-3245	168	12	advisors	advisor	NOUN
fsr-3245	168	13	from	from	ADP
fsr-3245	168	14	the	the	DET
fsr-3245	168	15	insurance	insurance	NOUN
fsr-3245	168	16	firms	firm	NOUN
fsr-3245	168	17	on	on	ADP
fsr-3245	168	18	the	the	DET
fsr-3245	168	19	ztpi	ztpi	NOUN
fsr-3245	168	20	present	present	ADJ
fsr-3245	168	21	scale	scale	NOUN
fsr-3245	168	22	and	and	CCONJ
fsr-3245	168	23	the	the	DET
fsr-3245	168	24	zpres_2	zpres_2	PROPN
fsr-3245	168	25	scale	scale	NOUN
fsr-3245	168	26	,	,	PUNCT
fsr-3245	168	27	there	there	PRON
fsr-3245	168	28	are	be	VERB
fsr-3245	168	29	no	no	DET
fsr-3245	168	30	significant	significant	ADJ
fsr-3245	168	31	differences	difference	NOUN
fsr-3245	168	32	among	among	ADP
fsr-3245	168	33	the	the	DET
fsr-3245	168	34	planners	planner	NOUN
fsr-3245	168	35	on	on	ADP
fsr-3245	168	36	any	any	PRON
fsr-3245	168	37	of	of	ADP
fsr-3245	168	38	the	the	DET
fsr-3245	168	39	other	other	ADJ
fsr-3245	168	40	12	12	NUM
fsr-3245	168	41	measures	measure	NOUN
fsr-3245	168	42	.	.	PUNCT
fsr-3245	169	1	4.3	4.3	NUM
fsr-3245	169	2	.	.	PUNCT
fsr-3245	170	1	the	the	DET
fsr-3245	170	2	impact	impact	NOUN
fsr-3245	170	3	of	of	ADP
fsr-3245	170	4	tp	tp	NOUN
fsr-3245	170	5	on	on	ADP
fsr-3245	170	6	financial	financial	ADJ
fsr-3245	170	7	planning	planning	NOUN
fsr-3245	170	8	decisions	decision	NOUN
fsr-3245	170	9	the	the	DET
fsr-3245	170	10	third	third	ADJ
fsr-3245	170	11	hypothesis	hypothesis	NOUN
fsr-3245	170	12	investigates	investigate	VERB
fsr-3245	170	13	whether	whether	SCONJ
fsr-3245	170	14	or	or	CCONJ
fsr-3245	170	15	not	not	PART
fsr-3245	170	16	tp	tp	VERB
fsr-3245	170	17	impacts	impact	VERB
fsr-3245	170	18	the	the	DET
fsr-3245	170	19	financial	financial	ADJ
fsr-3245	170	20	planning	planning	NOUN
fsr-3245	170	21	recommendations	recommendation	NOUN
fsr-3245	170	22	made	make	VERB
fsr-3245	170	23	by	by	ADP
fsr-3245	170	24	the	the	DET
fsr-3245	170	25	financial	financial	ADJ
fsr-3245	170	26	advisors	advisor	NOUN
fsr-3245	170	27	.	.	PUNCT
fsr-3245	171	1	four	four	NUM
fsr-3245	171	2	different	different	ADJ
fsr-3245	171	3	personal	personal	ADJ
fsr-3245	171	4	financial	financial	ADJ
fsr-3245	171	5	planning	planning	NOUN
fsr-3245	171	6	cases	case	NOUN
fsr-3245	171	7	were	be	AUX
fsr-3245	171	8	used	use	VERB
fsr-3245	171	9	to	to	PART
fsr-3245	171	10	test	test	VERB
fsr-3245	171	11	this	this	DET
fsr-3245	171	12	question	question	NOUN
fsr-3245	171	13	(	(	PUNCT
fsr-3245	171	14	see	see	VERB
fsr-3245	171	15	appendix	appendix	NOUN
fsr-3245	171	16	a	a	PRON
fsr-3245	171	17	)	)	PUNCT
fsr-3245	171	18	.	.	PUNCT
fsr-3245	172	1	for	for	ADP
fsr-3245	172	2	each	each	DET
fsr-3245	172	3	case	case	NOUN
fsr-3245	172	4	,	,	PUNCT
fsr-3245	172	5	the	the	DET
fsr-3245	172	6	planner	planner	NOUN
fsr-3245	172	7	reviewed	review	VERB
fsr-3245	172	8	two	two	NUM
fsr-3245	172	9	alternative	alternative	ADJ
fsr-3245	172	10	planning	planning	NOUN
fsr-3245	172	11	strategies	strategy	NOUN
fsr-3245	172	12	and	and	CCONJ
fsr-3245	172	13	then	then	ADV
fsr-3245	172	14	indicated	indicate	VERB
fsr-3245	172	15	his	his	PRON
fsr-3245	172	16	or	or	CCONJ
fsr-3245	172	17	her	her	PRON
fsr-3245	172	18	preference	preference	NOUN
fsr-3245	172	19	on	on	ADP
fsr-3245	172	20	a	a	DET
fsr-3245	172	21	six	six	NUM
fsr-3245	172	22	-	-	PUNCT
fsr-3245	172	23	point	point	NOUN
fsr-3245	172	24	scale	scale	NOUN
fsr-3245	172	25	,	,	PUNCT
fsr-3245	172	26	where	where	SCONJ
fsr-3245	172	27	one	one	NUM
fsr-3245	172	28	through	through	ADP
fsr-3245	172	29	three	three	NUM
fsr-3245	172	30	indicated	indicate	VERB
fsr-3245	172	31	a	a	DET
fsr-3245	172	32	strong	strong	ADJ
fsr-3245	172	33	to	to	PART
fsr-3245	172	34	slight	slight	VERB
fsr-3245	172	35	preference	preference	NOUN
fsr-3245	172	36	for	for	ADP
fsr-3245	172	37	option	option	NOUN
fsr-3245	172	38	a	a	PRON
fsr-3245	172	39	and	and	CCONJ
fsr-3245	172	40	four	four	NUM
fsr-3245	172	41	through	through	ADP
fsr-3245	172	42	six	six	NUM
fsr-3245	172	43	indicated	indicate	VERB
fsr-3245	172	44	a	a	DET
fsr-3245	172	45	slight	slight	NOUN
fsr-3245	172	46	to	to	ADP
fsr-3245	172	47	strong	strong	ADJ
fsr-3245	172	48	preference	preference	NOUN
fsr-3245	172	49	for	for	ADP
fsr-3245	172	50	option	option	NOUN
fsr-3245	172	51	b.	b.	PROPN
fsr-3245	173	1	i	i	PRON
fsr-3245	173	2	analyzed	analyze	VERB
fsr-3245	173	3	the	the	DET
fsr-3245	173	4	impact	impact	NOUN
fsr-3245	173	5	of	of	ADP
fsr-3245	173	6	tp	tp	NOUN
fsr-3245	173	7	on	on	ADP
fsr-3245	173	8	the	the	DET
fsr-3245	173	9	advisors	advisor	NOUN
fsr-3245	173	10	’	'	PUNCT
fsr-3245	173	11	recommendations	recommendation	NOUN
fsr-3245	173	12	using	use	VERB
fsr-3245	173	13	separate	separate	ADJ
fsr-3245	173	14	regressions	regression	NOUN
fsr-3245	173	15	for	for	ADP
fsr-3245	173	16	each	each	DET
fsr-3245	173	17	case	case	NOUN
fsr-3245	173	18	and	and	CCONJ
fsr-3245	173	19	each	each	DET
fsr-3245	173	20	tp	tp	NOUN
fsr-3245	173	21	scale	scale	NOUN
fsr-3245	173	22	table	table	NOUN
fsr-3245	173	23	3	3	NUM
fsr-3245	173	24	tp	tp	NOUN
fsr-3245	173	25	scale	scale	NOUN
fsr-3245	173	26	means	mean	NOUN
fsr-3245	173	27	(	(	PUNCT
fsr-3245	173	28	sd	sd	NOUN
fsr-3245	173	29	)	)	PUNCT
fsr-3245	173	30	and	and	CCONJ
fsr-3245	173	31	analysis	analysis	NOUN
fsr-3245	173	32	of	of	ADP
fsr-3245	173	33	variance	variance	NOUN
fsr-3245	173	34	by	by	ADP
fsr-3245	173	35	firm	firm	ADJ
fsr-3245	173	36	type	type	NOUN
fsr-3245	173	37	accounting	accounting	NOUN
fsr-3245	173	38	(	(	PUNCT
fsr-3245	173	39	n	n	X
fsr-3245	173	40	�	�	PROPN
fsr-3245	173	41	19	19	NUM
fsr-3245	173	42	)	)	PUNCT
fsr-3245	173	43	insurance	insurance	NOUN
fsr-3245	173	44	(	(	PUNCT
fsr-3245	173	45	n	n	X
fsr-3245	173	46	�	�	PROPN
fsr-3245	173	47	18	18	NUM
fsr-3245	173	48	)	)	PUNCT
fsr-3245	173	49	securities	security	NOUN
fsr-3245	173	50	(	(	PUNCT
fsr-3245	173	51	n	n	X
fsr-3245	173	52	�	�	PROPN
fsr-3245	173	53	32	32	NUM
fsr-3245	173	54	)	)	PUNCT
fsr-3245	173	55	general	general	ADJ
fsr-3245	173	56	financial	financial	ADJ
fsr-3245	173	57	planning	planning	NOUN
fsr-3245	173	58	(	(	PUNCT
fsr-3245	173	59	n	n	X
fsr-3245	173	60	�	�	PROPN
fsr-3245	173	61	58	58	NUM
fsr-3245	173	62	)	)	PUNCT
fsr-3245	174	1	f	f	NOUN
fsr-3245	174	2	ratio	ratio	NOUN
fsr-3245	174	3	p	p	NOUN
fsr-3245	174	4	-	-	PUNCT
fsr-3245	174	5	value	value	NOUN
fsr-3245	174	6	ztpi	ztpi	NOUN
fsr-3245	174	7	present	present	ADJ
fsr-3245	174	8	mean	mean	NOUN
fsr-3245	174	9	(	(	PUNCT
fsr-3245	174	10	sd	sd	NOUN
fsr-3245	174	11	)	)	PUNCT
fsr-3245	174	12	4.87	4.87	NUM
fsr-3245	174	13	(	(	PUNCT
fsr-3245	174	14	.997	.997	NUM
fsr-3245	174	15	)	)	PUNCT
fsr-3245	174	16	3.93	3.93	NUM
fsr-3245	174	17	(	(	PUNCT
fsr-3245	174	18	.771	.771	NUM
fsr-3245	174	19	)	)	PUNCT
fsr-3245	174	20	4.41	4.41	NUM
fsr-3245	174	21	(	(	PUNCT
fsr-3245	174	22	.941	.941	NUM
fsr-3245	174	23	)	)	PUNCT
fsr-3245	174	24	4.44	4.44	NUM
fsr-3245	174	25	(	(	PUNCT
fsr-3245	174	26	.932	.932	NUM
fsr-3245	174	27	)	)	PUNCT
fsr-3245	174	28	3.195	3.195	NUM
fsr-3245	174	29	.026	.026	NUM
fsr-3245	174	30	ztpi	ztpi	NOUN
fsr-3245	174	31	future	future	ADJ
fsr-3245	174	32	mean	mean	NOUN
fsr-3245	174	33	(	(	PUNCT
fsr-3245	174	34	sd	sd	NOUN
fsr-3245	174	35	)	)	PUNCT
fsr-3245	174	36	2.44	2.44	NUM
fsr-3245	174	37	(	(	PUNCT
fsr-3245	174	38	.665	.665	NUM
fsr-3245	174	39	)	)	PUNCT
fsr-3245	174	40	2.43	2.43	NUM
fsr-3245	174	41	(	(	PUNCT
fsr-3245	174	42	.579	.579	NUM
fsr-3245	174	43	)	)	PUNCT
fsr-3245	174	44	2.48	2.48	NUM
fsr-3245	174	45	(	(	PUNCT
fsr-3245	174	46	.808	.808	NUM
fsr-3245	174	47	)	)	PUNCT
fsr-3245	174	48	2.48	2.48	NUM
fsr-3245	174	49	(	(	PUNCT
fsr-3245	174	50	.623	.623	NUM
fsr-3245	174	51	)	)	PUNCT
fsr-3245	174	52	.035	.035	NOUN
fsr-3245	174	53	.991	.991	NUM
fsr-3245	175	1	cfc	cfc	PROPN
fsr-3245	175	2	mean	mean	VERB
fsr-3245	175	3	(	(	PUNCT
fsr-3245	175	4	sd	sd	NOUN
fsr-3245	175	5	)	)	PUNCT
fsr-3245	175	6	3.03	3.03	NUM
fsr-3245	175	7	(	(	PUNCT
fsr-3245	175	8	.551	.551	NUM
fsr-3245	175	9	)	)	PUNCT
fsr-3245	175	10	2.81	2.81	NUM
fsr-3245	175	11	(	(	PUNCT
fsr-3245	175	12	.601	.601	NUM
fsr-3245	175	13	)	)	PUNCT
fsr-3245	175	14	2.96	2.96	NUM
fsr-3245	175	15	(	(	PUNCT
fsr-3245	175	16	.653	.653	NUM
fsr-3245	175	17	)	)	PUNCT
fsr-3245	175	18	2.86	2.86	NUM
fsr-3245	175	19	(	(	PUNCT
fsr-3245	175	20	.715	.715	NUM
fsr-3245	175	21	)	)	PUNCT
fsr-3245	175	22	.491	.491	NUM
fsr-3245	175	23	.689	.689	NUM
fsr-3245	175	24	zpres_1	zpres_1	PROPN
fsr-3245	175	25	mean	mean	NOUN
fsr-3245	175	26	(	(	PUNCT
fsr-3245	175	27	sd	sd	NOUN
fsr-3245	175	28	)	)	PUNCT
fsr-3245	175	29	5.53	5.53	NUM
fsr-3245	175	30	(	(	PUNCT
fsr-3245	175	31	1.03	1.03	NUM
fsr-3245	175	32	)	)	PUNCT
fsr-3245	175	33	4.76	4.76	NUM
fsr-3245	175	34	(	(	PUNCT
fsr-3245	175	35	.933	.933	NUM
fsr-3245	175	36	)	)	PUNCT
fsr-3245	175	37	4.88	4.88	NUM
fsr-3245	175	38	(	(	PUNCT
fsr-3245	175	39	1.06	1.06	NUM
fsr-3245	175	40	)	)	PUNCT
fsr-3245	175	41	5.16	5.16	NUM
fsr-3245	175	42	(	(	PUNCT
fsr-3245	175	43	1.08	1.08	NUM
fsr-3245	175	44	)	)	PUNCT
fsr-3245	175	45	2.317	2.317	NUM
fsr-3245	175	46	.079	.079	NUM
fsr-3245	175	47	zpres_2	zpres_2	NOUN
fsr-3245	175	48	mean	mean	VERB
fsr-3245	175	49	(	(	PUNCT
fsr-3245	175	50	sd	sd	NOUN
fsr-3245	175	51	)	)	PUNCT
fsr-3245	175	52	4.26	4.26	NUM
fsr-3245	175	53	(	(	PUNCT
fsr-3245	175	54	1.25	1.25	NUM
fsr-3245	175	55	)	)	PUNCT
fsr-3245	175	56	3.00	3.00	NUM
fsr-3245	175	57	(	(	PUNCT
fsr-3245	175	58	.879	.879	NUM
fsr-3245	175	59	)	)	PUNCT
fsr-3245	175	60	3.91	3.91	NUM
fsr-3245	175	61	(	(	PUNCT
fsr-3245	175	62	1.19	1.19	NUM
fsr-3245	175	63	)	)	PUNCT
fsr-3245	175	64	3.80	3.80	NUM
fsr-3245	175	65	(	(	PUNCT
fsr-3245	175	66	1.01	1.01	NUM
fsr-3245	175	67	)	)	PUNCT
fsr-3245	175	68	4.540	4.540	NUM
fsr-3245	175	69	.005	.005	NUM
fsr-3245	175	70	zfut_1	zfut_1	ADJ
fsr-3245	175	71	mean	mean	NOUN
fsr-3245	175	72	(	(	PUNCT
fsr-3245	175	73	sd	sd	NOUN
fsr-3245	175	74	)	)	PUNCT
fsr-3245	175	75	2.55	2.55	NUM
fsr-3245	175	76	(	(	PUNCT
fsr-3245	175	77	.784	.784	NUM
fsr-3245	175	78	)	)	PUNCT
fsr-3245	175	79	2.53	2.53	NUM
fsr-3245	175	80	(	(	PUNCT
fsr-3245	175	81	.630	.630	NUM
fsr-3245	175	82	)	)	PUNCT
fsr-3245	175	83	2.68	2.68	NUM
fsr-3245	175	84	(	(	PUNCT
fsr-3245	175	85	1.04	1.04	NUM
fsr-3245	175	86	)	)	PUNCT
fsr-3245	175	87	2.76	2.76	NUM
fsr-3245	175	88	(	(	PUNCT
fsr-3245	175	89	.796	.796	NUM
fsr-3245	175	90	)	)	PUNCT
fsr-3245	175	91	.507	.507	NUM
fsr-3245	175	92	.678	.678	NUM
fsr-3245	176	1	zfut_2	zfut_2	NUM
fsr-3245	176	2	mean	mean	ADJ
fsr-3245	176	3	(	(	PUNCT
fsr-3245	176	4	sd	sd	NOUN
fsr-3245	176	5	)	)	PUNCT
fsr-3245	176	6	1.92	1.92	NUM
fsr-3245	176	7	(	(	PUNCT
fsr-3245	176	8	.917	.917	NUM
fsr-3245	176	9	)	)	PUNCT
fsr-3245	176	10	1.67	1.67	NUM
fsr-3245	176	11	(	(	PUNCT
fsr-3245	176	12	.767	.767	NUM
fsr-3245	176	13	)	)	PUNCT
fsr-3245	176	14	2.03	2.03	NUM
fsr-3245	176	15	(	(	PUNCT
fsr-3245	176	16	.772	.772	NUM
fsr-3245	176	17	)	)	PUNCT
fsr-3245	176	18	2.00	2.00	NUM
fsr-3245	176	19	(	(	PUNCT
fsr-3245	176	20	1.06	1.06	NUM
fsr-3245	176	21	)	)	PUNCT
fsr-3245	176	22	.619	.619	NUM
fsr-3245	177	1	.604	.604	NUM
fsr-3245	177	2	zfut_3	zfut_3	PROPN
fsr-3245	177	3	mean	mean	NOUN
fsr-3245	177	4	(	(	PUNCT
fsr-3245	177	5	sd	sd	NOUN
fsr-3245	177	6	)	)	PUNCT
fsr-3245	177	7	2.63	2.63	NUM
fsr-3245	177	8	(	(	PUNCT
fsr-3245	177	9	.999	.999	NUM
fsr-3245	177	10	)	)	PUNCT
fsr-3245	177	11	2.82	2.82	NUM
fsr-3245	177	12	(	(	PUNCT
fsr-3245	177	13	1.16	1.16	NUM
fsr-3245	177	14	)	)	PUNCT
fsr-3245	177	15	2.51	2.51	NUM
fsr-3245	177	16	(	(	PUNCT
fsr-3245	177	17	1.10	1.10	NUM
fsr-3245	177	18	)	)	PUNCT
fsr-3245	177	19	2.45	2.45	NUM
fsr-3245	177	20	(	(	PUNCT
fsr-3245	177	21	.791	.791	NUM
fsr-3245	177	22	)	)	PUNCT
fsr-3245	177	23	.732	.732	NUM
fsr-3245	177	24	.535	.535	NUM
fsr-3245	178	1	cfc_p1	cfc_p1	PROPN
fsr-3245	178	2	mean	mean	VERB
fsr-3245	178	3	(	(	PUNCT
fsr-3245	178	4	sd	sd	NOUN
fsr-3245	178	5	)	)	PUNCT
fsr-3245	178	6	6.00	6.00	NUM
fsr-3245	178	7	(	(	PUNCT
fsr-3245	178	8	.833	.833	NUM
fsr-3245	178	9	)	)	PUNCT
fsr-3245	178	10	6.18	6.18	NUM
fsr-3245	178	11	(	(	PUNCT
fsr-3245	178	12	.776	.776	NUM
fsr-3245	178	13	)	)	PUNCT
fsr-3245	178	14	5.78	5.78	NUM
fsr-3245	178	15	(	(	PUNCT
fsr-3245	178	16	1.00	1.00	NUM
fsr-3245	178	17	)	)	PUNCT
fsr-3245	178	18	5.99	5.99	NUM
fsr-3245	178	19	(	(	PUNCT
fsr-3245	178	20	1.07	1.07	NUM
fsr-3245	178	21	)	)	PUNCT
fsr-3245	178	22	.674	.674	NUM
fsr-3245	178	23	.570	.570	NUM
fsr-3245	178	24	cfc_p2	cfc_p2	ADV
fsr-3245	178	25	mean	mean	VERB
fsr-3245	178	26	(	(	PUNCT
fsr-3245	178	27	sd	sd	NOUN
fsr-3245	178	28	)	)	PUNCT
fsr-3245	178	29	6.38	6.38	NUM
fsr-3245	178	30	(	(	PUNCT
fsr-3245	178	31	.663	.663	NUM
fsr-3245	178	32	)	)	PUNCT
fsr-3245	178	33	6.47	6.47	NUM
fsr-3245	178	34	(	(	PUNCT
fsr-3245	178	35	.835	.835	NUM
fsr-3245	178	36	)	)	PUNCT
fsr-3245	178	37	6.19	6.19	NUM
fsr-3245	178	38	(	(	PUNCT
fsr-3245	178	39	.922	.922	NUM
fsr-3245	178	40	)	)	PUNCT
fsr-3245	178	41	6.38	6.38	NUM
fsr-3245	178	42	(	(	PUNCT
fsr-3245	178	43	.869	.869	NUM
fsr-3245	178	44	)	)	PUNCT
fsr-3245	178	45	.550	.550	NUM
fsr-3245	178	46	.649	.649	NUM
fsr-3245	178	47	cfc_f1	cfc_f1	PROPN
fsr-3245	178	48	mean	mean	NOUN
fsr-3245	178	49	(	(	PUNCT
fsr-3245	178	50	sd	sd	NOUN
fsr-3245	178	51	)	)	PUNCT
fsr-3245	178	52	3.00	3.00	NUM
fsr-3245	178	53	(	(	PUNCT
fsr-3245	178	54	.667	.667	NUM
fsr-3245	178	55	)	)	PUNCT
fsr-3245	178	56	3.17	3.17	NUM
fsr-3245	178	57	(	(	PUNCT
fsr-3245	178	58	1.24	1.24	NUM
fsr-3245	178	59	)	)	PUNCT
fsr-3245	178	60	2.67	2.67	NUM
fsr-3245	178	61	(	(	PUNCT
fsr-3245	178	62	.799	.799	NUM
fsr-3245	178	63	)	)	PUNCT
fsr-3245	178	64	2.72	2.72	NUM
fsr-3245	178	65	(	(	PUNCT
fsr-3245	178	66	.734	.734	NUM
fsr-3245	178	67	)	)	PUNCT
fsr-3245	178	68	1.964	1.964	NUM
fsr-3245	178	69	.123	.123	NUM
fsr-3245	178	70	cfc_f2	cfc_f2	NOUN
fsr-3245	178	71	mean	mean	NOUN
fsr-3245	178	72	(	(	PUNCT
fsr-3245	178	73	sd	sd	NOUN
fsr-3245	178	74	)	)	PUNCT
fsr-3245	178	75	3.24	3.24	NUM
fsr-3245	178	76	(	(	PUNCT
fsr-3245	178	77	.903	.903	NUM
fsr-3245	178	78	)	)	PUNCT
fsr-3245	178	79	2.47	2.47	NUM
fsr-3245	178	80	(	(	PUNCT
fsr-3245	178	81	.795	.795	NUM
fsr-3245	178	82	)	)	PUNCT
fsr-3245	178	83	2.86	2.86	NUM
fsr-3245	178	84	(	(	PUNCT
fsr-3245	178	85	.891	.891	NUM
fsr-3245	178	86	)	)	PUNCT
fsr-3245	178	87	2.91	2.91	NUM
fsr-3245	178	88	(	(	PUNCT
fsr-3245	178	89	1.21	1.21	NUM
fsr-3245	178	90	)	)	PUNCT
fsr-3245	178	91	1.260	1.260	NUM
fsr-3245	178	92	.291	.291	NUM
fsr-3245	178	93	this	this	DET
fsr-3245	178	94	table	table	NOUN
fsr-3245	178	95	shows	show	VERB
fsr-3245	178	96	the	the	DET
fsr-3245	178	97	results	result	NOUN
fsr-3245	178	98	of	of	ADP
fsr-3245	178	99	individual	individual	ADJ
fsr-3245	178	100	anovas	anovas	NOUN
fsr-3245	178	101	for	for	ADP
fsr-3245	178	102	each	each	DET
fsr-3245	178	103	tp	tp	NOUN
fsr-3245	178	104	measure	measure	NOUN
fsr-3245	178	105	.	.	PUNCT
fsr-3245	179	1	the	the	DET
fsr-3245	179	2	advisors	advisor	NOUN
fsr-3245	179	3	’	’	PART
fsr-3245	179	4	scores	score	NOUN
fsr-3245	179	5	on	on	ADP
fsr-3245	179	6	the	the	DET
fsr-3245	179	7	tp	tp	PROPN
fsr-3245	179	8	scale	scale	NOUN
fsr-3245	179	9	served	serve	VERB
fsr-3245	179	10	as	as	ADP
fsr-3245	179	11	the	the	DET
fsr-3245	179	12	dependent	dependent	ADJ
fsr-3245	179	13	variable	variable	NOUN
fsr-3245	179	14	and	and	CCONJ
fsr-3245	179	15	their	their	PRON
fsr-3245	179	16	professional	professional	ADJ
fsr-3245	179	17	background	background	NOUN
fsr-3245	179	18	as	as	SCONJ
fsr-3245	179	19	measured	measure	VERB
fsr-3245	179	20	by	by	ADP
fsr-3245	179	21	the	the	DET
fsr-3245	179	22	type	type	NOUN
fsr-3245	179	23	of	of	ADP
fsr-3245	179	24	firm	firm	NOUN
fsr-3245	179	25	they	they	PRON
fsr-3245	179	26	worked	work	VERB
fsr-3245	179	27	for	for	ADP
fsr-3245	179	28	(	(	PUNCT
fsr-3245	179	29	i.e.	i.e.	X
fsr-3245	179	30	,	,	PUNCT
fsr-3245	179	31	accounting	accounting	NOUN
fsr-3245	179	32	,	,	PUNCT
fsr-3245	179	33	insurance	insurance	NOUN
fsr-3245	179	34	,	,	PUNCT
fsr-3245	179	35	securities	security	NOUN
fsr-3245	179	36	,	,	PUNCT
fsr-3245	179	37	or	or	CCONJ
fsr-3245	179	38	general	general	ADJ
fsr-3245	179	39	financial	financial	ADJ
fsr-3245	179	40	planning	planning	NOUN
fsr-3245	179	41	)	)	PUNCT
fsr-3245	179	42	was	be	AUX
fsr-3245	179	43	the	the	DET
fsr-3245	179	44	independent	independent	ADJ
fsr-3245	179	45	variable	variable	NOUN
fsr-3245	179	46	.	.	PUNCT
fsr-3245	180	1	397k.n	397k.n	X
fsr-3245	180	2	.	.	PUNCT
fsr-3245	180	3	ryack	ryack	NOUN
fsr-3245	180	4	/	/	SYM
fsr-3245	180	5	financial	financial	ADJ
fsr-3245	180	6	services	service	NOUN
fsr-3245	180	7	review	review	VERB
fsr-3245	180	8	24	24	NUM
fsr-3245	180	9	(	(	PUNCT
fsr-3245	180	10	2015	2015	NUM
fsr-3245	180	11	)	)	PUNCT
fsr-3245	180	12	387–410	387–410	NUM
fsr-3245	180	13	measure	measure	NOUN
fsr-3245	180	14	.	.	PUNCT
fsr-3245	181	1	in	in	ADP
fsr-3245	181	2	each	each	DET
fsr-3245	181	3	regression	regression	NOUN
fsr-3245	181	4	,	,	PUNCT
fsr-3245	181	5	the	the	DET
fsr-3245	181	6	preference	preference	NOUN
fsr-3245	181	7	ratings	rating	NOUN
fsr-3245	181	8	for	for	ADP
fsr-3245	181	9	a	a	DET
fsr-3245	181	10	particular	particular	ADJ
fsr-3245	181	11	case	case	NOUN
fsr-3245	181	12	were	be	AUX
fsr-3245	181	13	regressed	regress	VERB
fsr-3245	181	14	on	on	ADP
fsr-3245	181	15	the	the	DET
fsr-3245	181	16	scale	scale	NOUN
fsr-3245	181	17	scores	score	NOUN
fsr-3245	181	18	for	for	ADP
fsr-3245	181	19	a	a	DET
fsr-3245	181	20	particular	particular	ADJ
fsr-3245	181	21	tp	tp	NOUN
fsr-3245	181	22	measure	measure	NOUN
fsr-3245	181	23	.	.	PUNCT
fsr-3245	182	1	the	the	DET
fsr-3245	182	2	results	result	NOUN
fsr-3245	182	3	are	be	AUX
fsr-3245	182	4	presented	present	VERB
fsr-3245	182	5	in	in	ADP
fsr-3245	182	6	tables	table	NOUN
fsr-3245	182	7	4	4	NUM
fsr-3245	182	8	through	through	ADP
fsr-3245	182	9	7	7	NUM
fsr-3245	182	10	.	.	PUNCT
fsr-3245	183	1	for	for	ADP
fsr-3245	183	2	all	all	DET
fsr-3245	183	3	12	12	NUM
fsr-3245	183	4	of	of	ADP
fsr-3245	183	5	the	the	DET
fsr-3245	183	6	tp	tp	NOUN
fsr-3245	183	7	measures	measure	NOUN
fsr-3245	183	8	across	across	ADP
fsr-3245	183	9	the	the	DET
fsr-3245	183	10	four	four	NUM
fsr-3245	183	11	scenarios	scenario	NOUN
fsr-3245	183	12	(	(	PUNCT
fsr-3245	183	13	i.e.	i.e.	X
fsr-3245	183	14	,	,	PUNCT
fsr-3245	183	15	48	48	NUM
fsr-3245	183	16	analyses	analysis	NOUN
fsr-3245	183	17	)	)	PUNCT
fsr-3245	183	18	,	,	PUNCT
fsr-3245	183	19	there	there	PRON
fsr-3245	183	20	is	be	VERB
fsr-3245	183	21	only	only	ADV
fsr-3245	183	22	one	one	NUM
fsr-3245	183	23	significant	significant	ADJ
fsr-3245	183	24	result	result	NOUN
fsr-3245	183	25	at	at	ADP
fsr-3245	183	26	the	the	DET
fsr-3245	183	27	0.05	0.05	NUM
fsr-3245	183	28	level	level	NOUN
fsr-3245	183	29	(	(	PUNCT
fsr-3245	183	30	see	see	VERB
fsr-3245	183	31	table	table	NOUN
fsr-3245	183	32	7	7	NUM
fsr-3245	183	33	)	)	PUNCT
fsr-3245	183	34	.	.	PUNCT
fsr-3245	184	1	in	in	ADP
fsr-3245	184	2	the	the	DET
fsr-3245	184	3	fourth	fourth	ADJ
fsr-3245	184	4	case	case	NOUN
fsr-3245	184	5	,	,	PUNCT
fsr-3245	184	6	the	the	DET
fsr-3245	184	7	advisors	advisor	NOUN
fsr-3245	184	8	are	be	AUX
fsr-3245	184	9	more	more	ADV
fsr-3245	184	10	likely	likely	ADJ
fsr-3245	184	11	to	to	PART
fsr-3245	184	12	choose	choose	VERB
fsr-3245	184	13	option	option	NOUN
fsr-3245	184	14	a	a	PRON
fsr-3245	184	15	if	if	SCONJ
fsr-3245	184	16	they	they	PRON
fsr-3245	184	17	have	have	VERB
fsr-3245	184	18	a	a	DET
fsr-3245	184	19	stronger	strong	ADJ
fsr-3245	184	20	present	present	ADJ
fsr-3245	184	21	orientation	orientation	NOUN
fsr-3245	184	22	as	as	SCONJ
fsr-3245	184	23	measured	measure	VERB
fsr-3245	184	24	by	by	ADP
fsr-3245	184	25	the	the	DET
fsr-3245	184	26	zpres_2	zpres_2	PROPN
fsr-3245	184	27	subscale	subscale	VERB
fsr-3245	184	28	.	.	PUNCT
fsr-3245	185	1	items	item	NOUN
fsr-3245	185	2	in	in	ADP
fsr-3245	185	3	the	the	DET
fsr-3245	185	4	zpres_2	zpres_2	PROPN
fsr-3245	185	5	subscale	subscale	NOUN
fsr-3245	185	6	reflect	reflect	VERB
fsr-3245	185	7	a	a	DET
fsr-3245	185	8	desire	desire	NOUN
fsr-3245	185	9	to	to	PART
fsr-3245	185	10	maintain	maintain	VERB
fsr-3245	185	11	the	the	DET
fsr-3245	185	12	quality	quality	NOUN
fsr-3245	185	13	of	of	ADP
fsr-3245	185	14	one	one	NUM
fsr-3245	185	15	’s	’s	PART
fsr-3245	185	16	present	present	ADJ
fsr-3245	185	17	lifestyle	lifestyle	NOUN
fsr-3245	185	18	and	and	CCONJ
fsr-3245	185	19	to	to	PART
fsr-3245	185	20	keep	keep	VERB
fsr-3245	185	21	everyday	everyday	ADJ
fsr-3245	185	22	life	life	NOUN
fsr-3245	185	23	interesting	interesting	ADJ
fsr-3245	185	24	and	and	CCONJ
fsr-3245	185	25	that	that	PRON
fsr-3245	185	26	is	be	AUX
fsr-3245	185	27	consistent	consistent	ADJ
fsr-3245	185	28	with	with	ADP
fsr-3245	185	29	a	a	DET
fsr-3245	185	30	preference	preference	NOUN
fsr-3245	185	31	for	for	ADP
fsr-3245	185	32	option	option	NOUN
fsr-3245	185	33	a	a	PRON
fsr-3245	185	34	because	because	SCONJ
fsr-3245	185	35	it	it	PRON
fsr-3245	185	36	maximizes	maximize	VERB
fsr-3245	185	37	current	current	ADJ
fsr-3245	185	38	cash	cash	NOUN
fsr-3245	185	39	flow	flow	NOUN
fsr-3245	185	40	.	.	PUNCT
fsr-3245	186	1	with	with	ADP
fsr-3245	186	2	the	the	DET
fsr-3245	186	3	exception	exception	NOUN
fsr-3245	186	4	of	of	ADP
fsr-3245	186	5	that	that	DET
fsr-3245	186	6	one	one	NUM
fsr-3245	186	7	significant	significant	ADJ
fsr-3245	186	8	result	result	NOUN
fsr-3245	186	9	,	,	PUNCT
fsr-3245	186	10	the	the	DET
fsr-3245	186	11	third	third	ADJ
fsr-3245	186	12	table	table	NOUN
fsr-3245	186	13	4	4	NUM
fsr-3245	186	14	linear	linear	NOUN
fsr-3245	186	15	regressions	regression	NOUN
fsr-3245	186	16	of	of	ADP
fsr-3245	186	17	tp	tp	PART
fsr-3245	186	18	measure	measure	NOUN
fsr-3245	186	19	on	on	ADP
fsr-3245	186	20	case	case	NOUN
fsr-3245	186	21	1	1	NUM
fsr-3245	186	22	score	score	NOUN
fsr-3245	186	23	(	(	PUNCT
fsr-3245	186	24	n	n	X
fsr-3245	186	25	�	�	PROPN
fsr-3245	186	26	127	127	NUM
fsr-3245	186	27	,	,	PUNCT
fsr-3245	186	28	mean	mean	VERB
fsr-3245	186	29	case	case	NOUN
fsr-3245	186	30	score	score	NOUN
fsr-3245	186	31	�	�	PROPN
fsr-3245	186	32	3.11	3.11	NUM
fsr-3245	186	33	)	)	PUNCT
fsr-3245	186	34	dependent	dependent	ADJ
fsr-3245	186	35	variable	variable	NOUN
fsr-3245	186	36	standardized	standardize	VERB
fsr-3245	186	37	�	�	PROPN
fsr-3245	186	38	coefficient	coefficient	PROPN
fsr-3245	186	39	t	t	PROPN
fsr-3245	186	40	-	-	PUNCT
fsr-3245	186	41	stat	stat	NOUN
fsr-3245	186	42	p	p	NOUN
fsr-3245	186	43	-	-	PUNCT
fsr-3245	186	44	value	value	NOUN
fsr-3245	186	45	r2	r2	PROPN
fsr-3245	186	46	ztpi	ztpi	NOUN
fsr-3245	186	47	present	present	PROPN
fsr-3245	186	48	�	�	PROPN
fsr-3245	186	49	0.074	0.074	NUM
fsr-3245	186	50	�	�	PROPN
fsr-3245	186	51	0.827	0.827	NUM
fsr-3245	186	52	0.410	0.410	NUM
fsr-3245	186	53	0.005	0.005	NUM
fsr-3245	186	54	ztpi	ztpi	NOUN
fsr-3245	186	55	future	future	PROPN
fsr-3245	186	56	�	�	PROPN
fsr-3245	186	57	0.073	0.073	NUM
fsr-3245	186	58	�	�	NOUN
fsr-3245	186	59	0.819	0.819	NUM
fsr-3245	186	60	0.414	0.414	NUM
fsr-3245	186	61	0.005	0.005	NUM
fsr-3245	186	62	cfc	cfc	NOUN
fsr-3245	186	63	0.051	0.051	NUM
fsr-3245	186	64	0.567	0.567	NUM
fsr-3245	186	65	0.572	0.572	NUM
fsr-3245	186	66	0.003	0.003	NUM
fsr-3245	186	67	zpres_1	zpres_1	PROPN
fsr-3245	186	68	�	�	PROPN
fsr-3245	186	69	0.086	0.086	NUM
fsr-3245	186	70	�	�	PROPN
fsr-3245	186	71	0.964	0.964	NUM
fsr-3245	186	72	0.337	0.337	NUM
fsr-3245	186	73	0.007	0.007	NUM
fsr-3245	186	74	zpres_2	zpres_2	PROPN
fsr-3245	186	75	�	�	PROPN
fsr-3245	186	76	0.047	0.047	NUM
fsr-3245	186	77	�	�	PROPN
fsr-3245	186	78	0.529	0.529	ADP
fsr-3245	186	79	0.597	0.597	NUM
fsr-3245	186	80	0.002	0.002	NUM
fsr-3245	186	81	zfut_1	zfut_1	PROPN
fsr-3245	186	82	�	�	PROPN
fsr-3245	186	83	0.112	0.112	NUM
fsr-3245	186	84	�	�	PROPN
fsr-3245	186	85	1.265	1.265	NUM
fsr-3245	186	86	0.208	0.208	NUM
fsr-3245	186	87	0.013	0.013	NUM
fsr-3245	186	88	zfut_2	zfut_2	NUM
fsr-3245	186	89	0.036	0.036	NUM
fsr-3245	186	90	0.399	0.399	NUM
fsr-3245	186	91	0.690	0.690	NUM
fsr-3245	186	92	0.001	0.001	NUM
fsr-3245	186	93	zfut_3	zfut_3	PROPN
fsr-3245	186	94	�	�	PROPN
fsr-3245	186	95	0.044	0.044	NUM
fsr-3245	186	96	�	�	PROPN
fsr-3245	186	97	0.498	0.498	NUM
fsr-3245	186	98	0.620	0.620	NUM
fsr-3245	186	99	0.002	0.002	NUM
fsr-3245	186	100	cfc_p1	cfc_p1	PROPN
fsr-3245	186	101	�	�	PROPN
fsr-3245	186	102	0.062	0.062	NUM
fsr-3245	186	103	�	�	PROPN
fsr-3245	186	104	0.689	0.689	NUM
fsr-3245	186	105	0.492	0.492	NUM
fsr-3245	186	106	0.004	0.004	NUM
fsr-3245	186	107	cfc_p2	cfc_p2	ADJ
fsr-3245	186	108	�	�	PROPN
fsr-3245	186	109	0.151	0.151	NUM
fsr-3245	186	110	�	�	NOUN
fsr-3245	186	111	1.710	1.710	NUM
fsr-3245	186	112	0.090	0.090	NUM
fsr-3245	186	113	0.023	0.023	NUM
fsr-3245	186	114	cfc_f1	cfc_f1	PROPN
fsr-3245	186	115	�	�	PROPN
fsr-3245	186	116	0.025	0.025	NUM
fsr-3245	186	117	�	�	NOUN
fsr-3245	186	118	0.280	0.280	NUM
fsr-3245	186	119	0.780	0.780	NUM
fsr-3245	186	120	0.001	0.001	NUM
fsr-3245	186	121	cfc_f2	cfc_f2	NOUN
fsr-3245	186	122	�	�	NOUN
fsr-3245	186	123	0.060	0.060	NUM
fsr-3245	186	124	�	�	NOUN
fsr-3245	186	125	0.669	0.669	NUM
fsr-3245	186	126	0.505	0.505	NUM
fsr-3245	186	127	0.004	0.004	NUM
fsr-3245	186	128	each	each	DET
fsr-3245	186	129	line	line	NOUN
fsr-3245	186	130	of	of	ADP
fsr-3245	186	131	this	this	DET
fsr-3245	186	132	table	table	NOUN
fsr-3245	186	133	presents	present	VERB
fsr-3245	186	134	the	the	DET
fsr-3245	186	135	results	result	NOUN
fsr-3245	186	136	of	of	ADP
fsr-3245	186	137	a	a	DET
fsr-3245	186	138	single	single	ADJ
fsr-3245	186	139	linear	linear	ADJ
fsr-3245	186	140	regression	regression	NOUN
fsr-3245	186	141	of	of	ADP
fsr-3245	186	142	the	the	DET
fsr-3245	186	143	advisors	advisor	NOUN
fsr-3245	186	144	’	'	PUNCT
fsr-3245	186	145	tp	tp	ADP
fsr-3245	186	146	scores	score	NOUN
fsr-3245	186	147	on	on	ADP
fsr-3245	186	148	their	their	PRON
fsr-3245	186	149	case	case	NOUN
fsr-3245	186	150	preference	preference	NOUN
fsr-3245	186	151	scores	score	NOUN
fsr-3245	186	152	.	.	PUNCT
fsr-3245	187	1	a	a	DET
fsr-3245	187	2	lower	low	ADJ
fsr-3245	187	3	score	score	NOUN
fsr-3245	187	4	on	on	ADP
fsr-3245	187	5	the	the	DET
fsr-3245	187	6	tp	tp	NOUN
fsr-3245	187	7	measure	measure	NOUN
fsr-3245	187	8	indicates	indicate	VERB
fsr-3245	187	9	a	a	DET
fsr-3245	187	10	stronger	strong	ADJ
fsr-3245	187	11	orientation	orientation	NOUN
fsr-3245	187	12	toward	toward	ADP
fsr-3245	187	13	that	that	DET
fsr-3245	187	14	tp	tp	NOUN
fsr-3245	187	15	.	.	PUNCT
fsr-3245	188	1	a	a	DET
fsr-3245	188	2	lower	low	ADJ
fsr-3245	188	3	score	score	NOUN
fsr-3245	188	4	on	on	ADP
fsr-3245	188	5	the	the	DET
fsr-3245	188	6	choice	choice	NOUN
fsr-3245	188	7	preference	preference	NOUN
fsr-3245	188	8	scale	scale	NOUN
fsr-3245	188	9	is	be	AUX
fsr-3245	188	10	indicative	indicative	ADJ
fsr-3245	188	11	of	of	ADP
fsr-3245	188	12	a	a	DET
fsr-3245	188	13	preference	preference	NOUN
fsr-3245	188	14	for	for	ADP
fsr-3245	188	15	option	option	NOUN
fsr-3245	188	16	a	a	PRON
fsr-3245	188	17	,	,	PUNCT
fsr-3245	188	18	while	while	SCONJ
fsr-3245	188	19	a	a	DET
fsr-3245	188	20	higher	high	ADJ
fsr-3245	188	21	score	score	NOUN
fsr-3245	188	22	is	be	AUX
fsr-3245	188	23	indicative	indicative	ADJ
fsr-3245	188	24	of	of	ADP
fsr-3245	188	25	a	a	DET
fsr-3245	188	26	preference	preference	NOUN
fsr-3245	188	27	for	for	ADP
fsr-3245	188	28	option	option	NOUN
fsr-3245	188	29	b.	b.	NOUN
fsr-3245	188	30	in	in	ADP
fsr-3245	188	31	this	this	DET
fsr-3245	188	32	case	case	NOUN
fsr-3245	188	33	,	,	PUNCT
fsr-3245	188	34	option	option	NOUN
fsr-3245	188	35	a	a	PRON
fsr-3245	188	36	had	have	VERB
fsr-3245	188	37	more	more	ADJ
fsr-3245	188	38	future	future	ADJ
fsr-3245	188	39	benefits	benefit	NOUN
fsr-3245	188	40	,	,	PUNCT
fsr-3245	188	41	and	and	CCONJ
fsr-3245	188	42	option	option	NOUN
fsr-3245	188	43	b	b	NUM
fsr-3245	188	44	had	have	VERB
fsr-3245	188	45	more	more	ADJ
fsr-3245	188	46	present	present	ADJ
fsr-3245	188	47	benefits	benefit	NOUN
fsr-3245	188	48	.	.	PUNCT
fsr-3245	189	1	table	table	NOUN
fsr-3245	189	2	5	5	NUM
fsr-3245	189	3	linear	linear	NOUN
fsr-3245	189	4	regressions	regression	NOUN
fsr-3245	189	5	of	of	ADP
fsr-3245	189	6	tp	tp	PART
fsr-3245	189	7	measure	measure	NOUN
fsr-3245	189	8	on	on	ADP
fsr-3245	189	9	case	case	NOUN
fsr-3245	189	10	2	2	NUM
fsr-3245	189	11	score	score	NOUN
fsr-3245	189	12	(	(	PUNCT
fsr-3245	189	13	n	n	X
fsr-3245	189	14	�	�	PROPN
fsr-3245	189	15	127	127	NUM
fsr-3245	189	16	,	,	PUNCT
fsr-3245	189	17	mean	mean	VERB
fsr-3245	189	18	case	case	NOUN
fsr-3245	189	19	score	score	NOUN
fsr-3245	189	20	�	�	PROPN
fsr-3245	189	21	2.59	2.59	NUM
fsr-3245	189	22	)	)	PUNCT
fsr-3245	189	23	dependent	dependent	ADJ
fsr-3245	189	24	variable	variable	NOUN
fsr-3245	189	25	standardized	standardize	VERB
fsr-3245	189	26	�	�	PROPN
fsr-3245	189	27	coefficient	coefficient	PROPN
fsr-3245	189	28	t	t	PROPN
fsr-3245	189	29	-	-	PUNCT
fsr-3245	189	30	stat	stat	NOUN
fsr-3245	189	31	p	p	NOUN
fsr-3245	189	32	-	-	PUNCT
fsr-3245	189	33	value	value	NOUN
fsr-3245	189	34	r2	r2	PROPN
fsr-3245	189	35	ztpi	ztpi	NOUN
fsr-3245	189	36	present	present	VERB
fsr-3245	189	37	0.021	0.021	NUM
fsr-3245	189	38	0.238	0.238	NUM
fsr-3245	189	39	0.812	0.812	NUM
fsr-3245	189	40	0.000	0.000	NUM
fsr-3245	189	41	ztpi	ztpi	NOUN
fsr-3245	189	42	future	future	NOUN
fsr-3245	189	43	0.084	0.084	NUM
fsr-3245	189	44	0.939	0.939	NUM
fsr-3245	189	45	0.350	0.350	NUM
fsr-3245	189	46	0.007	0.007	NUM
fsr-3245	189	47	cfc	cfc	NOUN
fsr-3245	189	48	0.006	0.006	NUM
fsr-3245	189	49	0.069	0.069	NUM
fsr-3245	189	50	0.945	0.945	NUM
fsr-3245	189	51	0.000	0.000	NUM
fsr-3245	189	52	zpres_1	zpres_1	PROPN
fsr-3245	189	53	�	�	PROPN
fsr-3245	189	54	0.048	0.048	NUM
fsr-3245	189	55	�	�	PROPN
fsr-3245	189	56	0.535	0.535	NUM
fsr-3245	189	57	0.594	0.594	NUM
fsr-3245	189	58	0.002	0.002	NUM
fsr-3245	189	59	zpres_2	zpres_2	NOUN
fsr-3245	189	60	0.070	0.070	NUM
fsr-3245	189	61	0.779	0.779	NUM
fsr-3245	189	62	0.437	0.437	NUM
fsr-3245	189	63	0.005	0.005	NUM
fsr-3245	189	64	zfut_1	zfut_1	NOUN
fsr-3245	189	65	0.048	0.048	NUM
fsr-3245	189	66	0.541	0.541	NUM
fsr-3245	189	67	0.590	0.590	NUM
fsr-3245	189	68	0.002	0.002	NUM
fsr-3245	189	69	zfut_2	zfut_2	NUM
fsr-3245	189	70	�	�	PROPN
fsr-3245	189	71	0.019	0.019	NUM
fsr-3245	189	72	�	�	PROPN
fsr-3245	189	73	0.209	0.209	NUM
fsr-3245	189	74	0.835	0.835	NUM
fsr-3245	189	75	0.000	0.000	NUM
fsr-3245	189	76	zfut_3	zfut_3	NUM
fsr-3245	189	77	0.130	0.130	NUM
fsr-3245	189	78	1.470	1.470	NUM
fsr-3245	189	79	0.144	0.144	NUM
fsr-3245	189	80	0.17	0.17	NUM
fsr-3245	189	81	cfc_p1	cfc_p1	PROPN
fsr-3245	189	82	�	�	PROPN
fsr-3245	189	83	0.042	0.042	NUM
fsr-3245	189	84	�	�	PROPN
fsr-3245	189	85	0.473	0.473	NUM
fsr-3245	189	86	0.637	0.637	NUM
fsr-3245	189	87	0.002	0.002	NUM
fsr-3245	189	88	cfc_p2	cfc_p2	ADV
fsr-3245	189	89	�	�	PROPN
fsr-3245	189	90	0.110	0.110	NUM
fsr-3245	189	91	�	�	PROPN
fsr-3245	189	92	1.233	1.233	NUM
fsr-3245	189	93	0.220	0.220	NUM
fsr-3245	189	94	0.012	0.012	NUM
fsr-3245	189	95	cfc_f1	cfc_f1	PROPN
fsr-3245	189	96	�	�	PROPN
fsr-3245	189	97	0.026	0.026	NUM
fsr-3245	189	98	�	�	PROPN
fsr-3245	189	99	0.294	0.294	NUM
fsr-3245	189	100	0.769	0.769	NUM
fsr-3245	189	101	0.001	0.001	NUM
fsr-3245	189	102	cfc_f2	cfc_f2	NOUN
fsr-3245	189	103	�	�	PROPN
fsr-3245	189	104	0.081	0.081	NUM
fsr-3245	189	105	�	�	NOUN
fsr-3245	189	106	0.903	0.903	NUM
fsr-3245	189	107	0.368	0.368	NUM
fsr-3245	189	108	0.006	0.006	NUM
fsr-3245	189	109	each	each	DET
fsr-3245	189	110	line	line	NOUN
fsr-3245	189	111	of	of	ADP
fsr-3245	189	112	this	this	DET
fsr-3245	189	113	table	table	NOUN
fsr-3245	189	114	presents	present	VERB
fsr-3245	189	115	the	the	DET
fsr-3245	189	116	results	result	NOUN
fsr-3245	189	117	of	of	ADP
fsr-3245	189	118	a	a	DET
fsr-3245	189	119	single	single	ADJ
fsr-3245	189	120	linear	linear	ADJ
fsr-3245	189	121	regression	regression	NOUN
fsr-3245	189	122	of	of	ADP
fsr-3245	189	123	the	the	DET
fsr-3245	189	124	advisors	advisor	NOUN
fsr-3245	189	125	’	'	PUNCT
fsr-3245	189	126	tp	tp	ADP
fsr-3245	189	127	scores	score	NOUN
fsr-3245	189	128	on	on	ADP
fsr-3245	189	129	their	their	PRON
fsr-3245	189	130	case	case	NOUN
fsr-3245	189	131	preference	preference	NOUN
fsr-3245	189	132	scores	score	NOUN
fsr-3245	189	133	.	.	PUNCT
fsr-3245	190	1	a	a	DET
fsr-3245	190	2	lower	low	ADJ
fsr-3245	190	3	score	score	NOUN
fsr-3245	190	4	on	on	ADP
fsr-3245	190	5	the	the	DET
fsr-3245	190	6	tp	tp	NOUN
fsr-3245	190	7	measure	measure	NOUN
fsr-3245	190	8	indicates	indicate	VERB
fsr-3245	190	9	a	a	DET
fsr-3245	190	10	stronger	strong	ADJ
fsr-3245	190	11	orientation	orientation	NOUN
fsr-3245	190	12	toward	toward	ADP
fsr-3245	190	13	that	that	DET
fsr-3245	190	14	tp	tp	NOUN
fsr-3245	190	15	.	.	PUNCT
fsr-3245	191	1	a	a	DET
fsr-3245	191	2	lower	low	ADJ
fsr-3245	191	3	score	score	NOUN
fsr-3245	191	4	on	on	ADP
fsr-3245	191	5	the	the	DET
fsr-3245	191	6	choice	choice	NOUN
fsr-3245	191	7	preference	preference	NOUN
fsr-3245	191	8	scale	scale	NOUN
fsr-3245	191	9	is	be	AUX
fsr-3245	191	10	indicative	indicative	ADJ
fsr-3245	191	11	of	of	ADP
fsr-3245	191	12	a	a	DET
fsr-3245	191	13	preference	preference	NOUN
fsr-3245	191	14	for	for	ADP
fsr-3245	191	15	option	option	NOUN
fsr-3245	191	16	a	a	PRON
fsr-3245	191	17	,	,	PUNCT
fsr-3245	191	18	while	while	SCONJ
fsr-3245	191	19	a	a	DET
fsr-3245	191	20	higher	high	ADJ
fsr-3245	191	21	score	score	NOUN
fsr-3245	191	22	is	be	AUX
fsr-3245	191	23	indicative	indicative	ADJ
fsr-3245	191	24	of	of	ADP
fsr-3245	191	25	a	a	DET
fsr-3245	191	26	preference	preference	NOUN
fsr-3245	191	27	for	for	ADP
fsr-3245	191	28	option	option	NOUN
fsr-3245	191	29	b.	b.	NOUN
fsr-3245	191	30	in	in	ADP
fsr-3245	191	31	this	this	DET
fsr-3245	191	32	case	case	NOUN
fsr-3245	191	33	,	,	PUNCT
fsr-3245	191	34	option	option	NOUN
fsr-3245	191	35	a	a	PRON
fsr-3245	191	36	had	have	VERB
fsr-3245	191	37	more	more	ADJ
fsr-3245	191	38	present	present	ADJ
fsr-3245	191	39	benefits	benefit	NOUN
fsr-3245	191	40	,	,	PUNCT
fsr-3245	191	41	and	and	CCONJ
fsr-3245	191	42	option	option	NOUN
fsr-3245	191	43	b	b	NUM
fsr-3245	191	44	had	have	VERB
fsr-3245	191	45	more	more	ADJ
fsr-3245	191	46	future	future	ADJ
fsr-3245	191	47	benefits	benefit	NOUN
fsr-3245	191	48	.	.	PUNCT
fsr-3245	192	1	398	398	NUM
fsr-3245	192	2	k.n	k.n	PROPN
fsr-3245	192	3	.	.	PROPN
fsr-3245	192	4	ryack	ryack	PROPN
fsr-3245	192	5	/	/	SYM
fsr-3245	192	6	financial	financial	ADJ
fsr-3245	192	7	services	service	NOUN
fsr-3245	192	8	review	review	VERB
fsr-3245	192	9	24	24	NUM
fsr-3245	192	10	(	(	PUNCT
fsr-3245	192	11	2015	2015	NUM
fsr-3245	192	12	)	)	PUNCT
fsr-3245	193	1	387–410	387–410	NUM
fsr-3245	193	2	hypothesis	hypothesis	NOUN
fsr-3245	193	3	is	be	AUX
fsr-3245	193	4	supported	support	VERB
fsr-3245	193	5	because	because	SCONJ
fsr-3245	193	6	the	the	DET
fsr-3245	193	7	financial	financial	ADJ
fsr-3245	193	8	planners	planner	NOUN
fsr-3245	193	9	’	'	PUNCT
fsr-3245	193	10	tp	tp	NOUN
fsr-3245	193	11	generally	generally	ADV
fsr-3245	193	12	does	do	AUX
fsr-3245	193	13	not	not	PART
fsr-3245	193	14	appear	appear	VERB
fsr-3245	193	15	to	to	PART
fsr-3245	193	16	have	have	VERB
fsr-3245	193	17	a	a	DET
fsr-3245	193	18	direct	direct	ADJ
fsr-3245	193	19	effect	effect	NOUN
fsr-3245	193	20	their	their	PRON
fsr-3245	193	21	planning	planning	NOUN
fsr-3245	193	22	decisions	decision	NOUN
fsr-3245	193	23	.	.	PUNCT
fsr-3245	194	1	thus	thus	ADV
fsr-3245	194	2	,	,	PUNCT
fsr-3245	194	3	a	a	DET
fsr-3245	194	4	planner	planner	NOUN
fsr-3245	194	5	’s	’s	PART
fsr-3245	194	6	background	background	NOUN
fsr-3245	194	7	generally	generally	ADV
fsr-3245	194	8	does	do	AUX
fsr-3245	194	9	not	not	PART
fsr-3245	194	10	appear	appear	VERB
fsr-3245	194	11	to	to	PART
fsr-3245	194	12	impact	impact	VERB
fsr-3245	194	13	their	their	PRON
fsr-3245	194	14	tp	tp	NOUN
fsr-3245	194	15	,	,	PUNCT
fsr-3245	194	16	and	and	CCONJ
fsr-3245	194	17	their	their	PRON
fsr-3245	194	18	tp	tp	NOUN
fsr-3245	194	19	does	do	AUX
fsr-3245	194	20	not	not	PART
fsr-3245	194	21	appear	appear	VERB
fsr-3245	194	22	to	to	PART
fsr-3245	194	23	directly	directly	ADV
fsr-3245	194	24	affect	affect	VERB
fsr-3245	194	25	their	their	PRON
fsr-3245	194	26	decisionmaking	decisionmaking	NOUN
fsr-3245	194	27	.	.	PUNCT
fsr-3245	195	1	while	while	SCONJ
fsr-3245	195	2	it	it	PRON
fsr-3245	195	3	was	be	AUX
fsr-3245	195	4	not	not	PART
fsr-3245	195	5	a	a	DET
fsr-3245	195	6	formal	formal	ADJ
fsr-3245	195	7	research	research	NOUN
fsr-3245	195	8	question	question	NOUN
fsr-3245	195	9	,	,	PUNCT
fsr-3245	195	10	i	i	PRON
fsr-3245	195	11	also	also	ADV
fsr-3245	195	12	analyzed	analyze	VERB
fsr-3245	195	13	whether	whether	SCONJ
fsr-3245	195	14	or	or	CCONJ
fsr-3245	195	15	not	not	PART
fsr-3245	195	16	professional	professional	ADJ
fsr-3245	195	17	background	background	NOUN
fsr-3245	195	18	impacted	impact	VERB
fsr-3245	195	19	the	the	DET
fsr-3245	195	20	planners	planner	NOUN
fsr-3245	195	21	’	’	PART
fsr-3245	195	22	decisions	decision	NOUN
fsr-3245	195	23	by	by	ADP
fsr-3245	195	24	performing	perform	VERB
fsr-3245	195	25	an	an	DET
fsr-3245	195	26	anova	anova	PROPN
fsr-3245	195	27	for	for	ADP
fsr-3245	195	28	each	each	DET
fsr-3245	195	29	case	case	NOUN
fsr-3245	195	30	with	with	ADP
fsr-3245	195	31	firm	firm	ADJ
fsr-3245	195	32	type	type	NOUN
fsr-3245	195	33	as	as	ADP
fsr-3245	195	34	the	the	DET
fsr-3245	195	35	independent	independent	ADJ
fsr-3245	195	36	variable	variable	NOUN
fsr-3245	195	37	and	and	CCONJ
fsr-3245	195	38	the	the	DET
fsr-3245	195	39	preference	preference	NOUN
fsr-3245	195	40	rating	rating	NOUN
fsr-3245	195	41	as	as	ADP
fsr-3245	195	42	the	the	DET
fsr-3245	195	43	dependent	dependent	ADJ
fsr-3245	195	44	variable	variable	NOUN
fsr-3245	195	45	.	.	PUNCT
fsr-3245	196	1	again	again	ADV
fsr-3245	196	2	,	,	PUNCT
fsr-3245	196	3	no	no	DET
fsr-3245	196	4	significant	significant	ADJ
fsr-3245	196	5	relationships	relationship	NOUN
fsr-3245	196	6	were	be	AUX
fsr-3245	196	7	found	find	VERB
fsr-3245	196	8	.	.	PUNCT
fsr-3245	197	1	if	if	SCONJ
fsr-3245	197	2	the	the	DET
fsr-3245	197	3	advisors	advisor	NOUN
fsr-3245	197	4	’	'	PUNCT
fsr-3245	197	5	tp	tp	NOUN
fsr-3245	197	6	affects	affect	VERB
fsr-3245	197	7	their	their	PRON
fsr-3245	197	8	decisions	decision	NOUN
fsr-3245	197	9	,	,	PUNCT
fsr-3245	197	10	then	then	ADV
fsr-3245	197	11	one	one	PRON
fsr-3245	197	12	might	might	AUX
fsr-3245	197	13	expect	expect	VERB
fsr-3245	197	14	the	the	DET
fsr-3245	197	15	financial	financial	ADJ
fsr-3245	197	16	advisors	advisor	NOUN
fsr-3245	197	17	would	would	AUX
fsr-3245	197	18	tend	tend	VERB
fsr-3245	197	19	to	to	PART
fsr-3245	197	20	select	select	VERB
fsr-3245	197	21	the	the	DET
fsr-3245	197	22	future	future	ADJ
fsr-3245	197	23	option	option	NOUN
fsr-3245	197	24	in	in	ADP
fsr-3245	197	25	each	each	DET
fsr-3245	197	26	case	case	NOUN
fsr-3245	197	27	because	because	SCONJ
fsr-3245	197	28	they	they	PRON
fsr-3245	197	29	are	be	AUX
fsr-3245	197	30	future	future	ADJ
fsr-3245	197	31	oriented	oriented	ADJ
fsr-3245	197	32	.	.	PUNCT
fsr-3245	198	1	that	that	SCONJ
fsr-3245	198	2	,	,	PUNCT
fsr-3245	198	3	table	table	NOUN
fsr-3245	198	4	6	6	NUM
fsr-3245	198	5	linear	linear	NOUN
fsr-3245	198	6	regressions	regression	NOUN
fsr-3245	198	7	of	of	ADP
fsr-3245	198	8	tp	tp	PART
fsr-3245	198	9	measure	measure	NOUN
fsr-3245	198	10	on	on	ADP
fsr-3245	198	11	case	case	NOUN
fsr-3245	198	12	3	3	NUM
fsr-3245	198	13	score	score	NOUN
fsr-3245	198	14	(	(	PUNCT
fsr-3245	198	15	n	n	X
fsr-3245	198	16	�	�	PROPN
fsr-3245	198	17	127	127	NUM
fsr-3245	198	18	,	,	PUNCT
fsr-3245	198	19	mean	mean	VERB
fsr-3245	198	20	case	case	NOUN
fsr-3245	198	21	score	score	NOUN
fsr-3245	198	22	�	�	PROPN
fsr-3245	198	23	4.70	4.70	NUM
fsr-3245	198	24	)	)	PUNCT
fsr-3245	198	25	dependent	dependent	ADJ
fsr-3245	198	26	variable	variable	NOUN
fsr-3245	198	27	standardized	standardize	VERB
fsr-3245	198	28	�	�	PROPN
fsr-3245	198	29	coefficient	coefficient	PROPN
fsr-3245	198	30	t	t	PROPN
fsr-3245	198	31	-	-	PUNCT
fsr-3245	198	32	stat	stat	NOUN
fsr-3245	198	33	p	p	NOUN
fsr-3245	198	34	-	-	PUNCT
fsr-3245	198	35	value	value	NOUN
fsr-3245	198	36	r2	r2	PROPN
fsr-3245	198	37	ztpi	ztpi	NOUN
fsr-3245	198	38	present	present	ADJ
fsr-3245	198	39	�	�	PROPN
fsr-3245	198	40	0.094	0.094	NUM
fsr-3245	198	41	�	�	NOUN
fsr-3245	198	42	1.054	1.054	NUM
fsr-3245	198	43	0.294	0.294	NUM
fsr-3245	198	44	0.009	0.009	NUM
fsr-3245	198	45	ztpi	ztpi	NOUN
fsr-3245	198	46	future	future	PROPN
fsr-3245	198	47	�	�	PROPN
fsr-3245	198	48	0.069	0.069	NUM
fsr-3245	198	49	�	�	PROPN
fsr-3245	198	50	0.778	0.778	NUM
fsr-3245	198	51	0.438	0.438	NUM
fsr-3245	198	52	0.005	0.005	NUM
fsr-3245	198	53	cfc	cfc	PROPN
fsr-3245	198	54	�	�	PROPN
fsr-3245	198	55	0.131	0.131	NUM
fsr-3245	198	56	�	�	PROPN
fsr-3245	198	57	1.479	1.479	NUM
fsr-3245	198	58	0.142	0.142	NUM
fsr-3245	198	59	0.017	0.017	NUM
fsr-3245	198	60	zpres_1	zpres_1	PROPN
fsr-3245	198	61	�	�	PROPN
fsr-3245	198	62	0.073	0.073	NUM
fsr-3245	198	63	�	�	NOUN
fsr-3245	198	64	0.819	0.819	NUM
fsr-3245	198	65	0.414	0.414	NUM
fsr-3245	198	66	0.005	0.005	NUM
fsr-3245	198	67	zpres_2	zpres_2	PROPN
fsr-3245	198	68	�	�	PROPN
fsr-3245	198	69	0.088	0.088	NUM
fsr-3245	198	70	�	�	PROPN
fsr-3245	198	71	0.989	0.989	NUM
fsr-3245	198	72	0.324	0.324	NUM
fsr-3245	198	73	0.008	0.008	NUM
fsr-3245	198	74	zfut_1	zfut_1	PROPN
fsr-3245	198	75	�	�	PROPN
fsr-3245	198	76	0.055	0.055	NUM
fsr-3245	198	77	�	�	NOUN
fsr-3245	198	78	0.621	0.621	NUM
fsr-3245	198	79	0.536	0.536	NUM
fsr-3245	198	80	0.003	0.003	NUM
fsr-3245	198	81	zfut_2	zfut_2	NUM
fsr-3245	198	82	�	�	PROPN
fsr-3245	198	83	0.060	0.060	NUM
fsr-3245	198	84	�	�	NOUN
fsr-3245	198	85	0.671	0.671	NUM
fsr-3245	198	86	0.503	0.503	NUM
fsr-3245	198	87	0.004	0.004	NUM
fsr-3245	198	88	zfut_3	zfut_3	PROPN
fsr-3245	198	89	�	�	PROPN
fsr-3245	198	90	0.042	0.042	NUM
fsr-3245	198	91	�	�	NOUN
fsr-3245	198	92	0.465	0.465	NUM
fsr-3245	198	93	0.642	0.642	NUM
fsr-3245	198	94	0.002	0.002	NUM
fsr-3245	198	95	cfc_p1	cfc_p1	PROPN
fsr-3245	198	96	0.121	0.121	NUM
fsr-3245	198	97	1.367	1.367	NUM
fsr-3245	198	98	0.174	0.174	NUM
fsr-3245	198	99	0.015	0.015	NUM
fsr-3245	198	100	cfc_p2	cfc_p2	ADV
fsr-3245	198	101	0.008	0.008	NUM
fsr-3245	198	102	0.093	0.093	NUM
fsr-3245	198	103	0.926	0.926	NUM
fsr-3245	198	104	0.000	0.000	NUM
fsr-3245	198	105	cfc_f1	cfc_f1	PROPN
fsr-3245	198	106	�	�	PROPN
fsr-3245	198	107	0.129	0.129	NUM
fsr-3245	198	108	�	�	PROPN
fsr-3245	198	109	1.453	1.453	NUM
fsr-3245	198	110	0.149	0.149	NUM
fsr-3245	198	111	0.017	0.017	NUM
fsr-3245	198	112	cfc_f2	cfc_f2	NOUN
fsr-3245	198	113	�	�	NOUN
fsr-3245	198	114	0.082	0.082	NUM
fsr-3245	198	115	�	�	PROPN
fsr-3245	198	116	0.925	0.925	NUM
fsr-3245	198	117	0.357	0.357	NUM
fsr-3245	198	118	0.007	0.007	NUM
fsr-3245	198	119	each	each	DET
fsr-3245	198	120	line	line	NOUN
fsr-3245	198	121	of	of	ADP
fsr-3245	198	122	this	this	DET
fsr-3245	198	123	table	table	NOUN
fsr-3245	198	124	presents	present	VERB
fsr-3245	198	125	the	the	DET
fsr-3245	198	126	results	result	NOUN
fsr-3245	198	127	of	of	ADP
fsr-3245	198	128	a	a	DET
fsr-3245	198	129	single	single	ADJ
fsr-3245	198	130	linear	linear	ADJ
fsr-3245	198	131	regression	regression	NOUN
fsr-3245	198	132	of	of	ADP
fsr-3245	198	133	the	the	DET
fsr-3245	198	134	advisors	advisor	NOUN
fsr-3245	198	135	’	'	PUNCT
fsr-3245	198	136	tp	tp	ADP
fsr-3245	198	137	scores	score	NOUN
fsr-3245	198	138	on	on	ADP
fsr-3245	198	139	their	their	PRON
fsr-3245	198	140	case	case	NOUN
fsr-3245	198	141	preference	preference	NOUN
fsr-3245	198	142	scores	score	NOUN
fsr-3245	198	143	.	.	PUNCT
fsr-3245	199	1	a	a	DET
fsr-3245	199	2	lower	low	ADJ
fsr-3245	199	3	score	score	NOUN
fsr-3245	199	4	on	on	ADP
fsr-3245	199	5	the	the	DET
fsr-3245	199	6	tp	tp	NOUN
fsr-3245	199	7	measure	measure	NOUN
fsr-3245	199	8	indicates	indicate	VERB
fsr-3245	199	9	a	a	DET
fsr-3245	199	10	stronger	strong	ADJ
fsr-3245	199	11	orientation	orientation	NOUN
fsr-3245	199	12	toward	toward	ADP
fsr-3245	199	13	that	that	DET
fsr-3245	199	14	tp	tp	NOUN
fsr-3245	199	15	.	.	PUNCT
fsr-3245	200	1	a	a	DET
fsr-3245	200	2	lower	low	ADJ
fsr-3245	200	3	score	score	NOUN
fsr-3245	200	4	on	on	ADP
fsr-3245	200	5	the	the	DET
fsr-3245	200	6	choice	choice	NOUN
fsr-3245	200	7	preference	preference	NOUN
fsr-3245	200	8	scale	scale	NOUN
fsr-3245	200	9	is	be	AUX
fsr-3245	200	10	indicative	indicative	ADJ
fsr-3245	200	11	of	of	ADP
fsr-3245	200	12	a	a	DET
fsr-3245	200	13	preference	preference	NOUN
fsr-3245	200	14	for	for	ADP
fsr-3245	200	15	option	option	NOUN
fsr-3245	200	16	a	a	PRON
fsr-3245	200	17	,	,	PUNCT
fsr-3245	200	18	while	while	SCONJ
fsr-3245	200	19	a	a	DET
fsr-3245	200	20	higher	high	ADJ
fsr-3245	200	21	score	score	NOUN
fsr-3245	200	22	is	be	AUX
fsr-3245	200	23	indicative	indicative	ADJ
fsr-3245	200	24	of	of	ADP
fsr-3245	200	25	a	a	DET
fsr-3245	200	26	preference	preference	NOUN
fsr-3245	200	27	for	for	ADP
fsr-3245	200	28	option	option	NOUN
fsr-3245	200	29	b.	b.	NOUN
fsr-3245	200	30	in	in	ADP
fsr-3245	200	31	this	this	DET
fsr-3245	200	32	case	case	NOUN
fsr-3245	200	33	,	,	PUNCT
fsr-3245	200	34	option	option	NOUN
fsr-3245	200	35	a	a	PRON
fsr-3245	200	36	had	have	VERB
fsr-3245	200	37	more	more	ADJ
fsr-3245	200	38	future	future	ADJ
fsr-3245	200	39	benefits	benefit	NOUN
fsr-3245	200	40	,	,	PUNCT
fsr-3245	200	41	and	and	CCONJ
fsr-3245	200	42	option	option	NOUN
fsr-3245	200	43	b	b	NUM
fsr-3245	200	44	had	have	VERB
fsr-3245	200	45	more	more	ADJ
fsr-3245	200	46	present	present	ADJ
fsr-3245	200	47	benefits	benefit	NOUN
fsr-3245	200	48	.	.	PUNCT
fsr-3245	201	1	table	table	NOUN
fsr-3245	201	2	7	7	NUM
fsr-3245	201	3	linear	linear	NOUN
fsr-3245	201	4	regressions	regression	NOUN
fsr-3245	201	5	of	of	ADP
fsr-3245	201	6	tp	tp	PART
fsr-3245	201	7	measure	measure	NOUN
fsr-3245	201	8	on	on	ADP
fsr-3245	201	9	case	case	NOUN
fsr-3245	201	10	4	4	NUM
fsr-3245	201	11	score	score	NOUN
fsr-3245	201	12	(	(	PUNCT
fsr-3245	201	13	n	n	X
fsr-3245	201	14	�	�	PROPN
fsr-3245	201	15	126	126	NUM
fsr-3245	201	16	,	,	PUNCT
fsr-3245	201	17	mean	mean	VERB
fsr-3245	201	18	case	case	NOUN
fsr-3245	201	19	score	score	NOUN
fsr-3245	201	20	�	�	PROPN
fsr-3245	201	21	3.70	3.70	NUM
fsr-3245	201	22	)	)	PUNCT
fsr-3245	201	23	dependent	dependent	ADJ
fsr-3245	201	24	variable	variable	NOUN
fsr-3245	201	25	standardized	standardize	VERB
fsr-3245	201	26	�	�	PROPN
fsr-3245	201	27	coefficient	coefficient	PROPN
fsr-3245	201	28	t	t	PROPN
fsr-3245	201	29	-	-	PUNCT
fsr-3245	201	30	stat	stat	NOUN
fsr-3245	201	31	p	p	NOUN
fsr-3245	201	32	-	-	PUNCT
fsr-3245	201	33	value	value	NOUN
fsr-3245	201	34	r2	r2	NOUN
fsr-3245	201	35	ztpi	ztpi	NOUN
fsr-3245	201	36	present	present	VERB
fsr-3245	201	37	0.151	0.151	NUM
fsr-3245	201	38	1.704	1.704	NUM
fsr-3245	201	39	0.091	0.091	NUM
fsr-3245	201	40	0.023	0.023	NUM
fsr-3245	201	41	ztpi	ztpi	NOUN
fsr-3245	201	42	future	future	NOUN
fsr-3245	201	43	0.054	0.054	NUM
fsr-3245	201	44	0.606	0.606	NUM
fsr-3245	201	45	0.546	0.546	NUM
fsr-3245	201	46	0.003	0.003	NUM
fsr-3245	201	47	cfc	cfc	PROPN
fsr-3245	201	48	�	�	PROPN
fsr-3245	201	49	0.070	0.070	NUM
fsr-3245	201	50	�	�	PROPN
fsr-3245	201	51	0.785	0.785	NUM
fsr-3245	201	52	0.434	0.434	NUM
fsr-3245	201	53	0.005	0.005	NUM
fsr-3245	201	54	zpres_1	zpres_1	NOUN
fsr-3245	201	55	0.072	0.072	NUM
fsr-3245	201	56	0.798	0.798	NUM
fsr-3245	201	57	0.426	0.426	NUM
fsr-3245	201	58	0.005	0.005	NUM
fsr-3245	201	59	zpres_2	zpres_2	NOUN
fsr-3245	201	60	0.177	0.177	NUM
fsr-3245	201	61	2.008	2.008	NUM
fsr-3245	201	62	0.047	0.047	NUM
fsr-3245	201	63	0.031	0.031	NUM
fsr-3245	201	64	zfut_1	zfut_1	PROPN
fsr-3245	201	65	�	�	PROPN
fsr-3245	201	66	0.014	0.014	NUM
fsr-3245	201	67	�	�	PROPN
fsr-3245	201	68	0.153	0.153	NUM
fsr-3245	201	69	0.879	0.879	NUM
fsr-3245	201	70	0.000	0.000	NUM
fsr-3245	201	71	zfut_2	zfut_2	NUM
fsr-3245	201	72	0.076	0.076	NUM
fsr-3245	201	73	0.849	0.849	NUM
fsr-3245	201	74	0.397	0.397	NUM
fsr-3245	201	75	0.006	0.006	NUM
fsr-3245	201	76	zfut_3	zfut_3	NUM
fsr-3245	201	77	0.081	0.081	NUM
fsr-3245	201	78	0.907	0.907	NUM
fsr-3245	201	79	0.366	0.366	NUM
fsr-3245	201	80	0.007	0.007	NUM
fsr-3245	201	81	cfc_p1	cfc_p1	PROPN
fsr-3245	201	82	0.090	0.090	NUM
fsr-3245	201	83	1.006	1.006	NUM
fsr-3245	201	84	0.317	0.317	NUM
fsr-3245	201	85	0.008	0.008	NUM
fsr-3245	201	86	cfc_p2	cfc_p2	ADV
fsr-3245	201	87	0.112	0.112	NUM
fsr-3245	201	88	1.252	1.252	NUM
fsr-3245	201	89	0.213	0.213	NUM
fsr-3245	201	90	0.012	0.012	NUM
fsr-3245	201	91	cfc_f1	cfc_f1	PROPN
fsr-3245	201	92	0.011	0.011	NUM
fsr-3245	201	93	0.122	0.122	NUM
fsr-3245	201	94	0.903	0.903	NUM
fsr-3245	201	95	0.000	0.000	NUM
fsr-3245	201	96	cfc_f2	cfc_f2	NOUN
fsr-3245	201	97	�	�	NOUN
fsr-3245	201	98	0.069	0.069	NUM
fsr-3245	201	99	�	�	NOUN
fsr-3245	201	100	0.772	0.772	NUM
fsr-3245	201	101	0.441	0.441	NUM
fsr-3245	201	102	0.005	0.005	NUM
fsr-3245	201	103	each	each	DET
fsr-3245	201	104	line	line	NOUN
fsr-3245	201	105	of	of	ADP
fsr-3245	201	106	this	this	DET
fsr-3245	201	107	table	table	NOUN
fsr-3245	201	108	presents	present	VERB
fsr-3245	201	109	the	the	DET
fsr-3245	201	110	results	result	NOUN
fsr-3245	201	111	of	of	ADP
fsr-3245	201	112	a	a	DET
fsr-3245	201	113	single	single	ADJ
fsr-3245	201	114	linear	linear	ADJ
fsr-3245	201	115	regression	regression	NOUN
fsr-3245	201	116	of	of	ADP
fsr-3245	201	117	the	the	DET
fsr-3245	201	118	advisors	advisor	NOUN
fsr-3245	201	119	’	'	PUNCT
fsr-3245	201	120	tp	tp	ADP
fsr-3245	201	121	scores	score	NOUN
fsr-3245	201	122	on	on	ADP
fsr-3245	201	123	their	their	PRON
fsr-3245	201	124	case	case	NOUN
fsr-3245	201	125	preference	preference	NOUN
fsr-3245	201	126	scores	score	NOUN
fsr-3245	201	127	.	.	PUNCT
fsr-3245	202	1	a	a	DET
fsr-3245	202	2	lower	low	ADJ
fsr-3245	202	3	score	score	NOUN
fsr-3245	202	4	on	on	ADP
fsr-3245	202	5	the	the	DET
fsr-3245	202	6	tp	tp	NOUN
fsr-3245	202	7	measure	measure	NOUN
fsr-3245	202	8	indicates	indicate	VERB
fsr-3245	202	9	a	a	DET
fsr-3245	202	10	stronger	strong	ADJ
fsr-3245	202	11	orientation	orientation	NOUN
fsr-3245	202	12	toward	toward	ADP
fsr-3245	202	13	that	that	DET
fsr-3245	202	14	tp	tp	NOUN
fsr-3245	202	15	.	.	PUNCT
fsr-3245	203	1	a	a	DET
fsr-3245	203	2	lower	low	ADJ
fsr-3245	203	3	score	score	NOUN
fsr-3245	203	4	on	on	ADP
fsr-3245	203	5	the	the	DET
fsr-3245	203	6	choice	choice	NOUN
fsr-3245	203	7	preference	preference	NOUN
fsr-3245	203	8	scale	scale	NOUN
fsr-3245	203	9	is	be	AUX
fsr-3245	203	10	indicative	indicative	ADJ
fsr-3245	203	11	of	of	ADP
fsr-3245	203	12	a	a	DET
fsr-3245	203	13	preference	preference	NOUN
fsr-3245	203	14	for	for	ADP
fsr-3245	203	15	option	option	NOUN
fsr-3245	203	16	a	a	PRON
fsr-3245	203	17	,	,	PUNCT
fsr-3245	203	18	while	while	SCONJ
fsr-3245	203	19	a	a	DET
fsr-3245	203	20	higher	high	ADJ
fsr-3245	203	21	score	score	NOUN
fsr-3245	203	22	is	be	AUX
fsr-3245	203	23	indicative	indicative	ADJ
fsr-3245	203	24	of	of	ADP
fsr-3245	203	25	a	a	DET
fsr-3245	203	26	preference	preference	NOUN
fsr-3245	203	27	for	for	ADP
fsr-3245	203	28	option	option	NOUN
fsr-3245	203	29	b.	b.	NOUN
fsr-3245	203	30	in	in	ADP
fsr-3245	203	31	this	this	DET
fsr-3245	203	32	case	case	NOUN
fsr-3245	203	33	,	,	PUNCT
fsr-3245	203	34	option	option	NOUN
fsr-3245	203	35	a	a	PRON
fsr-3245	203	36	had	have	VERB
fsr-3245	203	37	more	more	ADJ
fsr-3245	203	38	present	present	ADJ
fsr-3245	203	39	benefits	benefit	NOUN
fsr-3245	203	40	,	,	PUNCT
fsr-3245	203	41	and	and	CCONJ
fsr-3245	203	42	option	option	NOUN
fsr-3245	203	43	b	b	NUM
fsr-3245	203	44	had	have	VERB
fsr-3245	203	45	more	more	ADJ
fsr-3245	203	46	future	future	ADJ
fsr-3245	203	47	benefits	benefit	NOUN
fsr-3245	203	48	.	.	PUNCT
fsr-3245	204	1	399k.n	399k.n	X
fsr-3245	204	2	.	.	PUNCT
fsr-3245	204	3	ryack	ryack	NOUN
fsr-3245	204	4	/	/	SYM
fsr-3245	204	5	financial	financial	ADJ
fsr-3245	204	6	services	service	NOUN
fsr-3245	204	7	review	review	VERB
fsr-3245	204	8	24	24	NUM
fsr-3245	204	9	(	(	PUNCT
fsr-3245	204	10	2015	2015	NUM
fsr-3245	204	11	)	)	PUNCT
fsr-3245	204	12	387–410	387–410	NUM
fsr-3245	204	13	however	however	ADV
fsr-3245	204	14	,	,	PUNCT
fsr-3245	204	15	is	be	AUX
fsr-3245	204	16	not	not	PART
fsr-3245	204	17	what	what	PRON
fsr-3245	204	18	happened	happen	VERB
fsr-3245	204	19	.	.	PUNCT
fsr-3245	205	1	more	more	ADJ
fsr-3245	205	2	advisors	advisor	NOUN
fsr-3245	205	3	chose	choose	VERB
fsr-3245	205	4	the	the	DET
fsr-3245	205	5	future	future	ADJ
fsr-3245	205	6	options	option	NOUN
fsr-3245	205	7	in	in	ADP
fsr-3245	205	8	cases	case	NOUN
fsr-3245	205	9	1	1	NUM
fsr-3245	205	10	and	and	CCONJ
fsr-3245	205	11	4	4	NUM
fsr-3245	205	12	,	,	PUNCT
fsr-3245	205	13	while	while	SCONJ
fsr-3245	205	14	more	more	ADJ
fsr-3245	205	15	advisors	advisor	NOUN
fsr-3245	205	16	chose	choose	VERB
fsr-3245	205	17	the	the	DET
fsr-3245	205	18	present	present	ADJ
fsr-3245	205	19	options	option	NOUN
fsr-3245	205	20	in	in	ADP
fsr-3245	205	21	cases	case	NOUN
fsr-3245	205	22	2	2	NUM
fsr-3245	205	23	and	and	CCONJ
fsr-3245	205	24	3	3	NUM
fsr-3245	205	25	.	.	PUNCT
fsr-3245	206	1	thus	thus	ADV
fsr-3245	206	2	,	,	PUNCT
fsr-3245	206	3	the	the	DET
fsr-3245	206	4	results	result	NOUN
fsr-3245	206	5	appear	appear	VERB
fsr-3245	206	6	to	to	PART
fsr-3245	206	7	support	support	VERB
fsr-3245	206	8	the	the	DET
fsr-3245	206	9	hypothesis	hypothesis	NOUN
fsr-3245	206	10	that	that	DET
fsr-3245	206	11	time	time	NOUN
fsr-3245	206	12	perspective	perspective	NOUN
fsr-3245	206	13	does	do	AUX
fsr-3245	206	14	not	not	PART
fsr-3245	206	15	impact	impact	VERB
fsr-3245	206	16	the	the	DET
fsr-3245	206	17	advisors	advisor	NOUN
fsr-3245	206	18	’	'	PUNCT
fsr-3245	206	19	decisions	decision	NOUN
fsr-3245	206	20	.	.	PUNCT
fsr-3245	207	1	an	an	DET
fsr-3245	207	2	alternate	alternate	ADJ
fsr-3245	207	3	argument	argument	NOUN
fsr-3245	207	4	can	can	AUX
fsr-3245	207	5	be	be	AUX
fsr-3245	207	6	made	make	VERB
fsr-3245	207	7	that	that	DET
fsr-3245	207	8	time	time	NOUN
fsr-3245	207	9	perspective	perspective	NOUN
fsr-3245	207	10	is	be	AUX
fsr-3245	207	11	a	a	DET
fsr-3245	207	12	factor	factor	NOUN
fsr-3245	207	13	,	,	PUNCT
fsr-3245	207	14	but	but	CCONJ
fsr-3245	207	15	something	something	PRON
fsr-3245	207	16	else	else	ADV
fsr-3245	207	17	is	be	AUX
fsr-3245	207	18	also	also	ADV
fsr-3245	207	19	at	at	ADP
fsr-3245	207	20	play	play	NOUN
fsr-3245	207	21	.	.	PUNCT
fsr-3245	208	1	although	although	SCONJ
fsr-3245	208	2	the	the	DET
fsr-3245	208	3	cases	case	NOUN
fsr-3245	208	4	were	be	AUX
fsr-3245	208	5	designed	design	VERB
fsr-3245	208	6	with	with	ADP
fsr-3245	208	7	one	one	NUM
fsr-3245	208	8	option	option	NOUN
fsr-3245	208	9	that	that	PRON
fsr-3245	208	10	yields	yield	VERB
fsr-3245	208	11	more	more	ADJ
fsr-3245	208	12	present	present	ADJ
fsr-3245	208	13	consequences	consequence	NOUN
fsr-3245	208	14	and	and	CCONJ
fsr-3245	208	15	one	one	NUM
fsr-3245	208	16	option	option	NOUN
fsr-3245	208	17	that	that	PRON
fsr-3245	208	18	yields	yield	VERB
fsr-3245	208	19	more	more	ADJ
fsr-3245	208	20	future	future	ADJ
fsr-3245	208	21	consequences	consequence	NOUN
fsr-3245	208	22	,	,	PUNCT
fsr-3245	208	23	a	a	DET
fsr-3245	208	24	planner	planner	NOUN
fsr-3245	208	25	may	may	AUX
fsr-3245	208	26	still	still	ADV
fsr-3245	208	27	be	be	AUX
fsr-3245	208	28	focused	focus	VERB
fsr-3245	208	29	on	on	ADP
fsr-3245	208	30	the	the	DET
fsr-3245	208	31	client	client	NOUN
fsr-3245	208	32	’s	’s	PART
fsr-3245	208	33	future	future	NOUN
fsr-3245	208	34	but	but	CCONJ
fsr-3245	208	35	select	select	VERB
fsr-3245	208	36	the	the	DET
fsr-3245	208	37	option	option	NOUN
fsr-3245	208	38	that	that	PRON
fsr-3245	208	39	has	have	VERB
fsr-3245	208	40	more	more	ADJ
fsr-3245	208	41	present	present	ADJ
fsr-3245	208	42	consequences	consequence	NOUN
fsr-3245	208	43	because	because	SCONJ
fsr-3245	208	44	they	they	PRON
fsr-3245	208	45	feel	feel	VERB
fsr-3245	208	46	it	it	PRON
fsr-3245	208	47	will	will	AUX
fsr-3245	208	48	be	be	AUX
fsr-3245	208	49	better	well	ADJ
fsr-3245	208	50	for	for	ADP
fsr-3245	208	51	their	their	PRON
fsr-3245	208	52	particular	particular	ADJ
fsr-3245	208	53	client	client	NOUN
fsr-3245	208	54	over	over	ADP
fsr-3245	208	55	the	the	DET
fsr-3245	208	56	long	long	ADJ
fsr-3245	208	57	-	-	PUNCT
fsr-3245	208	58	term	term	NOUN
fsr-3245	208	59	.	.	PUNCT
fsr-3245	209	1	this	this	PRON
fsr-3245	209	2	certainly	certainly	ADV
fsr-3245	209	3	could	could	AUX
fsr-3245	209	4	have	have	AUX
fsr-3245	209	5	occurred	occur	VERB
fsr-3245	209	6	,	,	PUNCT
fsr-3245	209	7	but	but	CCONJ
fsr-3245	209	8	it	it	PRON
fsr-3245	209	9	still	still	ADV
fsr-3245	209	10	points	point	VERB
fsr-3245	209	11	to	to	ADP
fsr-3245	209	12	some	some	DET
fsr-3245	209	13	other	other	ADJ
fsr-3245	209	14	factor	factor	NOUN
fsr-3245	209	15	at	at	ADP
fsr-3245	209	16	play	play	NOUN
fsr-3245	209	17	that	that	PRON
fsr-3245	209	18	ultimately	ultimately	ADV
fsr-3245	209	19	drives	drive	VERB
fsr-3245	209	20	the	the	DET
fsr-3245	209	21	planners	planner	NOUN
fsr-3245	209	22	’	’	PART
fsr-3245	209	23	choices	choice	NOUN
fsr-3245	209	24	.	.	PUNCT
fsr-3245	210	1	an	an	DET
fsr-3245	210	2	examination	examination	NOUN
fsr-3245	210	3	of	of	ADP
fsr-3245	210	4	the	the	DET
fsr-3245	210	5	results	result	NOUN
fsr-3245	210	6	across	across	ADP
fsr-3245	210	7	all	all	DET
fsr-3245	210	8	four	four	NUM
fsr-3245	210	9	cases	case	NOUN
fsr-3245	210	10	suggests	suggest	VERB
fsr-3245	210	11	task	task	NOUN
fsr-3245	210	12	characteristics	characteristic	NOUN
fsr-3245	210	13	are	be	AUX
fsr-3245	210	14	an	an	DET
fsr-3245	210	15	overriding	override	VERB
fsr-3245	210	16	factor	factor	NOUN
fsr-3245	210	17	.	.	PUNCT
fsr-3245	211	1	cases	case	NOUN
fsr-3245	211	2	1	1	NUM
fsr-3245	211	3	and	and	CCONJ
fsr-3245	211	4	2	2	NUM
fsr-3245	211	5	both	both	PRON
fsr-3245	211	6	present	present	ADJ
fsr-3245	211	7	scenarios	scenario	NOUN
fsr-3245	211	8	where	where	SCONJ
fsr-3245	211	9	the	the	DET
fsr-3245	211	10	advisor	advisor	NOUN
fsr-3245	211	11	is	be	AUX
fsr-3245	211	12	asked	ask	VERB
fsr-3245	211	13	to	to	PART
fsr-3245	211	14	choose	choose	VERB
fsr-3245	211	15	an	an	DET
fsr-3245	211	16	appropriate	appropriate	ADJ
fsr-3245	211	17	strategy	strategy	NOUN
fsr-3245	211	18	given	give	VERB
fsr-3245	211	19	a	a	DET
fsr-3245	211	20	single	single	ADJ
fsr-3245	211	21	client	client	NOUN
fsr-3245	211	22	goal	goal	NOUN
fsr-3245	211	23	.	.	PUNCT
fsr-3245	212	1	each	each	DET
fsr-3245	212	2	case	case	NOUN
fsr-3245	212	3	offers	offer	VERB
fsr-3245	212	4	the	the	DET
fsr-3245	212	5	client	client	NOUN
fsr-3245	212	6	two	two	NUM
fsr-3245	212	7	alternatives	alternative	NOUN
fsr-3245	212	8	,	,	PUNCT
fsr-3245	212	9	one	one	NUM
fsr-3245	212	10	with	with	ADP
fsr-3245	212	11	more	more	ADV
fsr-3245	212	12	favorable	favorable	ADJ
fsr-3245	212	13	shorter	short	ADJ
fsr-3245	212	14	-	-	PUNCT
fsr-3245	212	15	term	term	NOUN
fsr-3245	212	16	implications	implication	NOUN
fsr-3245	212	17	and	and	CCONJ
fsr-3245	212	18	one	one	NUM
fsr-3245	212	19	with	with	ADP
fsr-3245	212	20	more	more	ADV
fsr-3245	212	21	favorable	favorable	ADJ
fsr-3245	212	22	longer	long	ADJ
fsr-3245	212	23	-	-	PUNCT
fsr-3245	212	24	term	term	NOUN
fsr-3245	212	25	implications	implication	NOUN
fsr-3245	212	26	.	.	PUNCT
fsr-3245	213	1	in	in	ADP
fsr-3245	213	2	case	case	NOUN
fsr-3245	213	3	1	1	NUM
fsr-3245	213	4	,	,	PUNCT
fsr-3245	213	5	option	option	NOUN
fsr-3245	213	6	a	a	PRON
fsr-3245	213	7	has	have	VERB
fsr-3245	213	8	more	more	ADV
fsr-3245	213	9	favorable	favorable	ADJ
fsr-3245	213	10	future	future	ADJ
fsr-3245	213	11	benefits	benefit	NOUN
fsr-3245	213	12	and	and	CCONJ
fsr-3245	213	13	less	less	ADV
fsr-3245	213	14	favorable	favorable	ADJ
fsr-3245	213	15	current	current	ADJ
fsr-3245	213	16	benefits	benefit	NOUN
fsr-3245	213	17	.	.	PUNCT
fsr-3245	214	1	drawing	draw	VERB
fsr-3245	214	2	on	on	ADP
fsr-3245	214	3	the	the	DET
fsr-3245	214	4	line	line	NOUN
fsr-3245	214	5	of	of	ADP
fsr-3245	214	6	credit	credit	NOUN
fsr-3245	214	7	means	mean	VERB
fsr-3245	214	8	the	the	DET
fsr-3245	214	9	balance	balance	NOUN
fsr-3245	214	10	in	in	ADP
fsr-3245	214	11	the	the	DET
fsr-3245	214	12	401(k	401(k	NOUN
fsr-3245	214	13	)	)	PUNCT
fsr-3245	214	14	will	will	AUX
fsr-3245	214	15	continue	continue	VERB
fsr-3245	214	16	to	to	PART
fsr-3245	214	17	earn	earn	VERB
fsr-3245	214	18	interest	interest	NOUN
fsr-3245	214	19	at	at	ADP
fsr-3245	214	20	tax	tax	NOUN
fsr-3245	214	21	deferred	defer	VERB
fsr-3245	214	22	rate	rate	NOUN
fsr-3245	214	23	of	of	ADP
fsr-3245	214	24	12	12	NUM
fsr-3245	214	25	%	%	NOUN
fsr-3245	214	26	and	and	CCONJ
fsr-3245	214	27	ultimately	ultimately	ADV
fsr-3245	214	28	result	result	VERB
fsr-3245	214	29	in	in	ADP
fsr-3245	214	30	higher	high	ADJ
fsr-3245	214	31	long	long	ADJ
fsr-3245	214	32	-	-	PUNCT
fsr-3245	214	33	term	term	NOUN
fsr-3245	214	34	wealth	wealth	NOUN
fsr-3245	214	35	accumulation	accumulation	NOUN
fsr-3245	214	36	.	.	PUNCT
fsr-3245	215	1	however	however	ADV
fsr-3245	215	2	,	,	PUNCT
fsr-3245	215	3	the	the	DET
fsr-3245	215	4	client	client	NOUN
fsr-3245	215	5	will	will	AUX
fsr-3245	215	6	have	have	VERB
fsr-3245	215	7	a	a	DET
fsr-3245	215	8	reduced	reduce	VERB
fsr-3245	215	9	short	short	ADJ
fsr-3245	215	10	-	-	PUNCT
fsr-3245	215	11	term	term	NOUN
fsr-3245	215	12	cash	cash	NOUN
fsr-3245	215	13	flow	flow	NOUN
fsr-3245	215	14	because	because	SCONJ
fsr-3245	215	15	they	they	PRON
fsr-3245	215	16	will	will	AUX
fsr-3245	215	17	have	have	VERB
fsr-3245	215	18	to	to	PART
fsr-3245	215	19	pay	pay	VERB
fsr-3245	215	20	8	8	NUM
fsr-3245	215	21	%	%	NOUN
fsr-3245	215	22	a	a	DET
fsr-3245	215	23	year	year	NOUN
fsr-3245	215	24	on	on	ADP
fsr-3245	215	25	the	the	DET
fsr-3245	215	26	line	line	NOUN
fsr-3245	215	27	of	of	ADP
fsr-3245	215	28	credit	credit	NOUN
fsr-3245	215	29	as	as	SCONJ
fsr-3245	215	30	opposed	oppose	VERB
fsr-3245	215	31	to	to	ADP
fsr-3245	215	32	only	only	ADV
fsr-3245	215	33	6	6	NUM
fsr-3245	215	34	%	%	NOUN
fsr-3245	215	35	on	on	ADP
fsr-3245	215	36	the	the	DET
fsr-3245	215	37	401(k	401(k	PROPN
fsr-3245	215	38	)	)	PUNCT
fsr-3245	215	39	loan	loan	NOUN
fsr-3245	215	40	.	.	PUNCT
fsr-3245	216	1	in	in	ADP
fsr-3245	216	2	contrast	contrast	NOUN
fsr-3245	216	3	,	,	PUNCT
fsr-3245	216	4	option	option	NOUN
fsr-3245	216	5	b	b	NOUN
fsr-3245	216	6	has	have	VERB
fsr-3245	216	7	more	more	ADJ
fsr-3245	216	8	present	present	ADJ
fsr-3245	216	9	benefits	benefit	NOUN
fsr-3245	216	10	and	and	CCONJ
fsr-3245	216	11	less	less	ADV
fsr-3245	216	12	favorable	favorable	ADJ
fsr-3245	216	13	future	future	ADJ
fsr-3245	216	14	benefits	benefit	NOUN
fsr-3245	216	15	.	.	PUNCT
fsr-3245	217	1	the	the	DET
fsr-3245	217	2	short	short	ADJ
fsr-3245	217	3	-	-	PUNCT
fsr-3245	217	4	term	term	NOUN
fsr-3245	217	5	interest	interest	NOUN
fsr-3245	217	6	payments	payment	NOUN
fsr-3245	217	7	will	will	AUX
fsr-3245	217	8	be	be	AUX
fsr-3245	217	9	lower	low	ADJ
fsr-3245	217	10	,	,	PUNCT
fsr-3245	217	11	but	but	CCONJ
fsr-3245	217	12	the	the	DET
fsr-3245	217	13	growth	growth	NOUN
fsr-3245	217	14	in	in	ADP
fsr-3245	217	15	the	the	DET
fsr-3245	217	16	401(k	401(k	PROPN
fsr-3245	217	17	)	)	PUNCT
fsr-3245	217	18	balance	balance	NOUN
fsr-3245	217	19	will	will	AUX
fsr-3245	217	20	also	also	ADV
fsr-3245	217	21	be	be	AUX
fsr-3245	217	22	lower	low	ADJ
fsr-3245	217	23	.	.	PUNCT
fsr-3245	218	1	in	in	ADP
fsr-3245	218	2	case	case	NOUN
fsr-3245	218	3	1	1	NUM
fsr-3245	218	4	,	,	PUNCT
fsr-3245	218	5	approximately	approximately	ADV
fsr-3245	218	6	60	60	NUM
fsr-3245	218	7	%	%	NOUN
fsr-3245	218	8	of	of	ADP
fsr-3245	218	9	the	the	DET
fsr-3245	218	10	planners	planner	NOUN
fsr-3245	218	11	expressed	express	VERB
fsr-3245	218	12	at	at	ADP
fsr-3245	218	13	least	least	ADJ
fsr-3245	218	14	a	a	DET
fsr-3245	218	15	slight	slight	ADJ
fsr-3245	218	16	preference	preference	NOUN
fsr-3245	218	17	for	for	ADP
fsr-3245	218	18	the	the	DET
fsr-3245	218	19	more	more	ADV
fsr-3245	218	20	future	future	ADJ
fsr-3245	218	21	oriented	orient	VERB
fsr-3245	218	22	option	option	NOUN
fsr-3245	218	23	(	(	PUNCT
fsr-3245	218	24	mean	mean	VERB
fsr-3245	218	25	�	�	PROPN
fsr-3245	218	26	3.11	3.11	NUM
fsr-3245	218	27	)	)	PUNCT
fsr-3245	218	28	.	.	PUNCT
fsr-3245	219	1	this	this	PRON
fsr-3245	219	2	appears	appear	VERB
fsr-3245	219	3	to	to	PART
fsr-3245	219	4	lend	lend	VERB
fsr-3245	219	5	support	support	NOUN
fsr-3245	219	6	to	to	ADP
fsr-3245	219	7	the	the	DET
fsr-3245	219	8	idea	idea	NOUN
fsr-3245	219	9	that	that	SCONJ
fsr-3245	219	10	tp	tp	ADP
fsr-3245	219	11	impacts	impact	VERB
fsr-3245	219	12	the	the	DET
fsr-3245	219	13	choice	choice	NOUN
fsr-3245	219	14	made	make	VERB
fsr-3245	219	15	since	since	SCONJ
fsr-3245	219	16	the	the	DET
fsr-3245	219	17	planners	planner	NOUN
fsr-3245	219	18	tend	tend	VERB
fsr-3245	219	19	to	to	PART
fsr-3245	219	20	be	be	AUX
fsr-3245	219	21	future	future	ADV
fsr-3245	219	22	oriented	orient	VERB
fsr-3245	219	23	as	as	ADP
fsr-3245	219	24	a	a	DET
fsr-3245	219	25	group	group	NOUN
fsr-3245	219	26	.	.	PUNCT
fsr-3245	220	1	however	however	ADV
fsr-3245	220	2	,	,	PUNCT
fsr-3245	220	3	the	the	DET
fsr-3245	220	4	findings	finding	NOUN
fsr-3245	220	5	from	from	ADP
fsr-3245	220	6	the	the	DET
fsr-3245	220	7	linear	linear	PROPN
fsr-3245	220	8	regressions	regression	NOUN
fsr-3245	220	9	indicate	indicate	VERB
fsr-3245	220	10	no	no	DET
fsr-3245	220	11	significant	significant	ADJ
fsr-3245	220	12	relationships	relationship	NOUN
fsr-3245	220	13	between	between	ADP
fsr-3245	220	14	any	any	PRON
fsr-3245	220	15	of	of	ADP
fsr-3245	220	16	the	the	DET
fsr-3245	220	17	tp	tp	NOUN
fsr-3245	220	18	measures	measure	NOUN
fsr-3245	220	19	and	and	CCONJ
fsr-3245	220	20	the	the	DET
fsr-3245	220	21	preference	preference	NOUN
fsr-3245	220	22	ratings	rating	NOUN
fsr-3245	220	23	for	for	ADP
fsr-3245	220	24	case	case	NOUN
fsr-3245	220	25	1	1	NUM
fsr-3245	220	26	.	.	PUNCT
fsr-3245	221	1	in	in	ADP
fsr-3245	221	2	case	case	NOUN
fsr-3245	221	3	2	2	NUM
fsr-3245	221	4	,	,	PUNCT
fsr-3245	221	5	the	the	DET
fsr-3245	221	6	majority	majority	NOUN
fsr-3245	221	7	of	of	ADP
fsr-3245	221	8	planners	planner	NOUN
fsr-3245	221	9	selected	select	VERB
fsr-3245	221	10	the	the	DET
fsr-3245	221	11	option	option	NOUN
fsr-3245	221	12	with	with	ADP
fsr-3245	221	13	more	more	ADJ
fsr-3245	221	14	present	present	ADJ
fsr-3245	221	15	benefits	benefit	NOUN
fsr-3245	221	16	.	.	PUNCT
fsr-3245	222	1	the	the	DET
fsr-3245	222	2	investments	investment	NOUN
fsr-3245	222	3	in	in	ADP
fsr-3245	222	4	both	both	DET
fsr-3245	222	5	options	option	NOUN
fsr-3245	222	6	each	each	PRON
fsr-3245	222	7	produce	produce	VERB
fsr-3245	222	8	an	an	DET
fsr-3245	222	9	annual	annual	ADJ
fsr-3245	222	10	overall	overall	ADJ
fsr-3245	222	11	return	return	NOUN
fsr-3245	222	12	of	of	ADP
fsr-3245	222	13	12	12	NUM
fsr-3245	222	14	%	%	NOUN
fsr-3245	222	15	.	.	PUNCT
fsr-3245	223	1	however	however	ADV
fsr-3245	223	2	,	,	PUNCT
fsr-3245	223	3	option	option	VERB
fsr-3245	223	4	a	a	DET
fsr-3245	223	5	yields	yield	NOUN
fsr-3245	223	6	more	more	ADV
fsr-3245	223	7	present	present	ADJ
fsr-3245	223	8	benefits	benefit	NOUN
fsr-3245	223	9	because	because	SCONJ
fsr-3245	223	10	the	the	DET
fsr-3245	223	11	increasing	increase	VERB
fsr-3245	223	12	dividend	dividend	NOUN
fsr-3245	223	13	payment	payment	NOUN
fsr-3245	223	14	each	each	DET
fsr-3245	223	15	year	year	NOUN
fsr-3245	223	16	produces	produce	VERB
fsr-3245	223	17	a	a	DET
fsr-3245	223	18	higher	high	ADJ
fsr-3245	223	19	current	current	ADJ
fsr-3245	223	20	cash	cash	NOUN
fsr-3245	223	21	flow	flow	NOUN
fsr-3245	223	22	.	.	PUNCT
fsr-3245	224	1	in	in	ADP
fsr-3245	224	2	contrast	contrast	NOUN
fsr-3245	224	3	,	,	PUNCT
fsr-3245	224	4	option	option	NOUN
fsr-3245	224	5	b	b	NOUN
fsr-3245	224	6	produces	produce	VERB
fsr-3245	224	7	a	a	DET
fsr-3245	224	8	lower	low	ADJ
fsr-3245	224	9	annual	annual	ADJ
fsr-3245	224	10	cash	cash	NOUN
fsr-3245	224	11	flow	flow	NOUN
fsr-3245	224	12	from	from	ADP
fsr-3245	224	13	dividends	dividend	NOUN
fsr-3245	224	14	,	,	PUNCT
fsr-3245	224	15	but	but	CCONJ
fsr-3245	224	16	results	result	NOUN
fsr-3245	224	17	in	in	ADP
fsr-3245	224	18	more	more	ADJ
fsr-3245	224	19	capital	capital	NOUN
fsr-3245	224	20	growth	growth	NOUN
fsr-3245	224	21	and	and	CCONJ
fsr-3245	224	22	the	the	DET
fsr-3245	224	23	tax	tax	NOUN
fsr-3245	224	24	on	on	ADP
fsr-3245	224	25	that	that	DET
fsr-3245	224	26	growth	growth	NOUN
fsr-3245	224	27	is	be	AUX
fsr-3245	224	28	deferred	defer	VERB
fsr-3245	224	29	until	until	SCONJ
fsr-3245	224	30	the	the	DET
fsr-3245	224	31	investment	investment	NOUN
fsr-3245	224	32	is	be	AUX
fsr-3245	224	33	sold	sell	VERB
fsr-3245	224	34	.	.	PUNCT
fsr-3245	225	1	even	even	ADV
fsr-3245	225	2	though	though	SCONJ
fsr-3245	225	3	the	the	DET
fsr-3245	225	4	planners	planner	NOUN
fsr-3245	225	5	were	be	AUX
fsr-3245	225	6	generally	generally	ADV
fsr-3245	225	7	future	future	ADJ
fsr-3245	225	8	oriented	orient	VERB
fsr-3245	225	9	,	,	PUNCT
fsr-3245	225	10	72	72	NUM
fsr-3245	225	11	%	%	NOUN
fsr-3245	225	12	expressed	express	VERB
fsr-3245	225	13	at	at	ADP
fsr-3245	225	14	least	least	ADJ
fsr-3245	225	15	a	a	DET
fsr-3245	225	16	slight	slight	ADJ
fsr-3245	225	17	preference	preference	NOUN
fsr-3245	225	18	for	for	ADP
fsr-3245	225	19	the	the	DET
fsr-3245	225	20	more	more	ADV
fsr-3245	225	21	present	present	ADJ
fsr-3245	225	22	oriented	orient	VERB
fsr-3245	225	23	option	option	NOUN
fsr-3245	225	24	(	(	PUNCT
fsr-3245	225	25	mean	mean	VERB
fsr-3245	225	26	�	�	PROPN
fsr-3245	225	27	2.59	2.59	NUM
fsr-3245	225	28	)	)	PUNCT
fsr-3245	225	29	.	.	PUNCT
fsr-3245	226	1	these	these	DET
fsr-3245	226	2	data	datum	NOUN
fsr-3245	226	3	suggest	suggest	VERB
fsr-3245	226	4	that	that	SCONJ
fsr-3245	226	5	the	the	DET
fsr-3245	226	6	characteristics	characteristic	NOUN
fsr-3245	226	7	of	of	ADP
fsr-3245	226	8	the	the	DET
fsr-3245	226	9	task	task	NOUN
fsr-3245	226	10	may	may	AUX
fsr-3245	226	11	be	be	AUX
fsr-3245	226	12	an	an	DET
fsr-3245	226	13	overriding	override	VERB
fsr-3245	226	14	factor	factor	NOUN
fsr-3245	226	15	.	.	PUNCT
fsr-3245	227	1	in	in	ADP
fsr-3245	227	2	this	this	DET
fsr-3245	227	3	case	case	NOUN
fsr-3245	227	4	,	,	PUNCT
fsr-3245	227	5	for	for	ADP
fsr-3245	227	6	example	example	NOUN
fsr-3245	227	7	,	,	PUNCT
fsr-3245	227	8	financial	financial	ADJ
fsr-3245	227	9	experts	expert	NOUN
fsr-3245	227	10	are	be	AUX
fsr-3245	227	11	likely	likely	ADJ
fsr-3245	227	12	to	to	PART
fsr-3245	227	13	see	see	VERB
fsr-3245	227	14	income	income	NOUN
fsr-3245	227	15	producing	produce	VERB
fsr-3245	227	16	stocks	stock	NOUN
fsr-3245	227	17	with	with	ADP
fsr-3245	227	18	increasing	increase	VERB
fsr-3245	227	19	dividends	dividend	NOUN
fsr-3245	227	20	as	as	ADP
fsr-3245	227	21	less	less	ADV
fsr-3245	227	22	risky	risky	ADJ
fsr-3245	227	23	than	than	ADP
fsr-3245	227	24	growth	growth	NOUN
fsr-3245	227	25	stocks	stock	NOUN
fsr-3245	227	26	.	.	PUNCT
fsr-3245	228	1	in	in	ADP
fsr-3245	228	2	fact	fact	NOUN
fsr-3245	228	3	,	,	PUNCT
fsr-3245	228	4	anecdotal	anecdotal	ADJ
fsr-3245	228	5	evidence	evidence	NOUN
fsr-3245	228	6	from	from	ADP
fsr-3245	228	7	discussions	discussion	NOUN
fsr-3245	228	8	with	with	ADP
fsr-3245	228	9	expert	expert	ADJ
fsr-3245	228	10	financial	financial	ADJ
fsr-3245	228	11	advisors	advisor	NOUN
fsr-3245	228	12	who	who	PRON
fsr-3245	228	13	reviewed	review	VERB
fsr-3245	228	14	the	the	DET
fsr-3245	228	15	case	case	NOUN
fsr-3245	228	16	indicates	indicate	VERB
fsr-3245	228	17	that	that	SCONJ
fsr-3245	228	18	many	many	ADJ
fsr-3245	228	19	planners	planner	NOUN
fsr-3245	228	20	may	may	AUX
fsr-3245	228	21	focus	focus	VERB
fsr-3245	228	22	on	on	ADP
fsr-3245	228	23	the	the	DET
fsr-3245	228	24	safety	safety	NOUN
fsr-3245	228	25	of	of	ADP
fsr-3245	228	26	the	the	DET
fsr-3245	228	27	dividend	dividend	NOUN
fsr-3245	228	28	stock	stock	NOUN
fsr-3245	228	29	even	even	ADV
fsr-3245	228	30	though	though	SCONJ
fsr-3245	228	31	the	the	DET
fsr-3245	228	32	case	case	NOUN
fsr-3245	228	33	states	state	VERB
fsr-3245	228	34	that	that	SCONJ
fsr-3245	228	35	both	both	DET
fsr-3245	228	36	stocks	stock	NOUN
fsr-3245	228	37	have	have	VERB
fsr-3245	228	38	equal	equal	ADJ
fsr-3245	228	39	risk	risk	NOUN
fsr-3245	228	40	.	.	PUNCT
fsr-3245	229	1	in	in	ADP
fsr-3245	229	2	effect	effect	NOUN
fsr-3245	229	3	,	,	PUNCT
fsr-3245	229	4	the	the	DET
fsr-3245	229	5	specifics	specific	NOUN
fsr-3245	229	6	of	of	ADP
fsr-3245	229	7	the	the	DET
fsr-3245	229	8	decision	decision	NOUN
fsr-3245	229	9	context	context	NOUN
fsr-3245	229	10	likely	likely	ADJ
fsr-3245	229	11	impact	impact	NOUN
fsr-3245	229	12	planners	planner	NOUN
fsr-3245	229	13	’	’	PART
fsr-3245	229	14	decisions	decision	NOUN
fsr-3245	229	15	to	to	ADP
fsr-3245	229	16	a	a	DET
fsr-3245	229	17	greater	great	ADJ
fsr-3245	229	18	extent	extent	NOUN
fsr-3245	229	19	than	than	ADP
fsr-3245	229	20	their	their	PRON
fsr-3245	229	21	general	general	ADJ
fsr-3245	229	22	future	future	ADJ
fsr-3245	229	23	orientation	orientation	NOUN
fsr-3245	229	24	.	.	PUNCT
fsr-3245	230	1	case	case	NOUN
fsr-3245	230	2	3	3	NUM
fsr-3245	230	3	presents	present	VERB
fsr-3245	230	4	a	a	DET
fsr-3245	230	5	scenario	scenario	NOUN
fsr-3245	230	6	where	where	SCONJ
fsr-3245	230	7	the	the	DET
fsr-3245	230	8	planning	planning	NOUN
fsr-3245	230	9	options	option	NOUN
fsr-3245	230	10	require	require	VERB
fsr-3245	230	11	a	a	DET
fsr-3245	230	12	trade	trade	NOUN
fsr-3245	230	13	-	-	PUNCT
fsr-3245	230	14	off	off	NOUN
fsr-3245	230	15	between	between	ADP
fsr-3245	230	16	a	a	DET
fsr-3245	230	17	primary	primary	ADJ
fsr-3245	230	18	long	long	ADJ
fsr-3245	230	19	-	-	PUNCT
fsr-3245	230	20	term	term	NOUN
fsr-3245	230	21	goal	goal	NOUN
fsr-3245	230	22	of	of	ADP
fsr-3245	230	23	maximizing	maximize	VERB
fsr-3245	230	24	the	the	DET
fsr-3245	230	25	transfer	transfer	NOUN
fsr-3245	230	26	of	of	ADP
fsr-3245	230	27	wealth	wealth	NOUN
fsr-3245	230	28	to	to	ADP
fsr-3245	230	29	beneficiaries	beneficiary	NOUN
fsr-3245	230	30	and	and	CCONJ
fsr-3245	230	31	a	a	DET
fsr-3245	230	32	primary	primary	ADJ
fsr-3245	230	33	400	400	NUM
fsr-3245	230	34	k.n	k.n	PROPN
fsr-3245	230	35	.	.	PROPN
fsr-3245	230	36	ryack	ryack	PROPN
fsr-3245	230	37	/	/	SYM
fsr-3245	230	38	financial	financial	ADJ
fsr-3245	230	39	services	service	NOUN
fsr-3245	230	40	review	review	VERB
fsr-3245	230	41	24	24	NUM
fsr-3245	230	42	(	(	PUNCT
fsr-3245	230	43	2015	2015	NUM
fsr-3245	230	44	)	)	PUNCT
fsr-3245	230	45	387–410	387–410	NUM
fsr-3245	230	46	short	short	ADJ
fsr-3245	230	47	-	-	PUNCT
fsr-3245	230	48	term	term	NOUN
fsr-3245	230	49	goal	goal	NOUN
fsr-3245	230	50	of	of	ADP
fsr-3245	230	51	maximizing	maximize	VERB
fsr-3245	230	52	annual	annual	ADJ
fsr-3245	230	53	cash	cash	NOUN
fsr-3245	230	54	flow	flow	NOUN
fsr-3245	230	55	.	.	PUNCT
fsr-3245	231	1	similar	similar	ADJ
fsr-3245	231	2	to	to	ADP
fsr-3245	231	3	case	case	NOUN
fsr-3245	231	4	2	2	NUM
fsr-3245	231	5	,	,	PUNCT
fsr-3245	231	6	the	the	DET
fsr-3245	231	7	planners	planner	NOUN
fsr-3245	231	8	indicated	indicate	VERB
fsr-3245	231	9	a	a	DET
fsr-3245	231	10	preference	preference	NOUN
fsr-3245	231	11	for	for	ADP
fsr-3245	231	12	the	the	DET
fsr-3245	231	13	option	option	NOUN
fsr-3245	231	14	with	with	ADP
fsr-3245	231	15	more	more	ADJ
fsr-3245	231	16	present	present	ADJ
fsr-3245	231	17	benefits	benefit	NOUN
fsr-3245	231	18	.	.	PUNCT
fsr-3245	232	1	option	option	VERB
fsr-3245	232	2	a	a	DET
fsr-3245	232	3	results	result	NOUN
fsr-3245	232	4	in	in	ADP
fsr-3245	232	5	significantly	significantly	ADV
fsr-3245	232	6	larger	large	ADJ
fsr-3245	232	7	cash	cash	NOUN
fsr-3245	232	8	outflows	outflow	NOUN
fsr-3245	232	9	while	while	SCONJ
fsr-3245	232	10	the	the	DET
fsr-3245	232	11	grandchildren	grandchild	NOUN
fsr-3245	232	12	are	be	AUX
fsr-3245	232	13	attending	attend	VERB
fsr-3245	232	14	college	college	NOUN
fsr-3245	232	15	because	because	SCONJ
fsr-3245	232	16	mrs	mrs	PROPN
fsr-3245	232	17	.	.	PROPN
fsr-3245	232	18	johnson	johnson	PROPN
fsr-3245	232	19	is	be	AUX
fsr-3245	232	20	paying	pay	VERB
fsr-3245	232	21	their	their	PRON
fsr-3245	232	22	college	college	NOUN
fsr-3245	232	23	expenses	expense	NOUN
fsr-3245	232	24	while	while	SCONJ
fsr-3245	232	25	she	she	PRON
fsr-3245	232	26	is	be	AUX
fsr-3245	232	27	also	also	ADV
fsr-3245	232	28	contributing	contribute	VERB
fsr-3245	232	29	to	to	ADP
fsr-3245	232	30	the	the	DET
fsr-3245	232	31	trust	trust	NOUN
fsr-3245	232	32	.	.	PUNCT
fsr-3245	233	1	thus	thus	ADV
fsr-3245	233	2	,	,	PUNCT
fsr-3245	233	3	it	it	PRON
fsr-3245	233	4	has	have	VERB
fsr-3245	233	5	more	more	ADV
fsr-3245	233	6	negative	negative	ADJ
fsr-3245	233	7	short	short	ADJ
fsr-3245	233	8	-	-	PUNCT
fsr-3245	233	9	term	term	NOUN
fsr-3245	233	10	consequences	consequence	NOUN
fsr-3245	233	11	.	.	PUNCT
fsr-3245	234	1	however	however	ADV
fsr-3245	234	2	,	,	PUNCT
fsr-3245	234	3	it	it	PRON
fsr-3245	234	4	has	have	VERB
fsr-3245	234	5	more	more	ADV
fsr-3245	234	6	positive	positive	ADJ
fsr-3245	234	7	long	long	ADJ
fsr-3245	234	8	-	-	PUNCT
fsr-3245	234	9	term	term	NOUN
fsr-3245	234	10	consequences	consequence	NOUN
fsr-3245	234	11	.	.	PUNCT
fsr-3245	235	1	the	the	DET
fsr-3245	235	2	total	total	ADJ
fsr-3245	235	3	wealth	wealth	NOUN
fsr-3245	235	4	transferred	transfer	VERB
fsr-3245	235	5	to	to	ADP
fsr-3245	235	6	the	the	DET
fsr-3245	235	7	grandchildren	grandchild	NOUN
fsr-3245	235	8	is	be	AUX
fsr-3245	235	9	a	a	DET
fsr-3245	235	10	larger	large	ADJ
fsr-3245	235	11	amount	amount	NOUN
fsr-3245	235	12	because	because	SCONJ
fsr-3245	235	13	mrs	mrs	PROPN
fsr-3245	235	14	.	.	PROPN
fsr-3245	235	15	johnson	johnson	PROPN
fsr-3245	235	16	is	be	AUX
fsr-3245	235	17	in	in	ADP
fsr-3245	235	18	the	the	DET
fsr-3245	235	19	highest	high	ADJ
fsr-3245	235	20	marginal	marginal	ADJ
fsr-3245	235	21	estate	estate	NOUN
fsr-3245	235	22	tax	tax	NOUN
fsr-3245	235	23	rate	rate	NOUN
fsr-3245	235	24	and	and	CCONJ
fsr-3245	235	25	this	this	DET
fsr-3245	235	26	option	option	NOUN
fsr-3245	235	27	will	will	AUX
fsr-3245	235	28	reduce	reduce	VERB
fsr-3245	235	29	the	the	DET
fsr-3245	235	30	estate	estate	NOUN
fsr-3245	235	31	tax	tax	NOUN
fsr-3245	235	32	paid	pay	VERB
fsr-3245	235	33	upon	upon	SCONJ
fsr-3245	235	34	death	death	NOUN
fsr-3245	235	35	.	.	PUNCT
fsr-3245	236	1	option	option	NOUN
fsr-3245	236	2	b	b	X
fsr-3245	236	3	has	have	VERB
fsr-3245	236	4	more	more	ADJ
fsr-3245	236	5	present	present	ADJ
fsr-3245	236	6	benefits	benefit	NOUN
fsr-3245	236	7	because	because	SCONJ
fsr-3245	236	8	of	of	ADP
fsr-3245	236	9	the	the	DET
fsr-3245	236	10	lower	low	ADJ
fsr-3245	236	11	cash	cash	NOUN
fsr-3245	236	12	outflow	outflow	NOUN
fsr-3245	236	13	while	while	SCONJ
fsr-3245	236	14	the	the	DET
fsr-3245	236	15	grandchildren	grandchild	NOUN
fsr-3245	236	16	are	be	AUX
fsr-3245	236	17	in	in	ADP
fsr-3245	236	18	college	college	NOUN
fsr-3245	236	19	,	,	PUNCT
fsr-3245	236	20	but	but	CCONJ
fsr-3245	236	21	fewer	few	ADJ
fsr-3245	236	22	future	future	ADJ
fsr-3245	236	23	benefits	benefit	NOUN
fsr-3245	236	24	because	because	SCONJ
fsr-3245	236	25	a	a	DET
fsr-3245	236	26	smaller	small	ADJ
fsr-3245	236	27	amount	amount	NOUN
fsr-3245	236	28	of	of	ADP
fsr-3245	236	29	total	total	ADJ
fsr-3245	236	30	wealth	wealth	NOUN
fsr-3245	236	31	is	be	AUX
fsr-3245	236	32	transferred	transfer	VERB
fsr-3245	236	33	to	to	ADP
fsr-3245	236	34	the	the	DET
fsr-3245	236	35	grandchildren	grandchild	NOUN
fsr-3245	236	36	in	in	ADP
fsr-3245	236	37	the	the	DET
fsr-3245	236	38	long	long	ADJ
fsr-3245	236	39	-	-	PUNCT
fsr-3245	236	40	term	term	NOUN
fsr-3245	236	41	.	.	PUNCT
fsr-3245	237	1	in	in	ADP
fsr-3245	237	2	this	this	DET
fsr-3245	237	3	case	case	NOUN
fsr-3245	237	4	,	,	PUNCT
fsr-3245	237	5	70	70	NUM
fsr-3245	237	6	%	%	NOUN
fsr-3245	237	7	of	of	ADP
fsr-3245	237	8	the	the	DET
fsr-3245	237	9	planners	planner	NOUN
fsr-3245	237	10	indicated	indicate	VERB
fsr-3245	237	11	at	at	ADP
fsr-3245	237	12	least	least	ADJ
fsr-3245	237	13	a	a	DET
fsr-3245	237	14	slight	slight	ADJ
fsr-3245	237	15	preference	preference	NOUN
fsr-3245	237	16	for	for	ADP
fsr-3245	237	17	option	option	NOUN
fsr-3245	237	18	b	b	NOUN
fsr-3245	237	19	(	(	PUNCT
fsr-3245	237	20	mean	mean	PROPN
fsr-3245	237	21	�	�	PROPN
fsr-3245	237	22	4.70	4.70	NUM
fsr-3245	237	23	)	)	PUNCT
fsr-3245	237	24	.	.	PUNCT
fsr-3245	238	1	once	once	ADV
fsr-3245	238	2	again	again	ADV
fsr-3245	238	3	,	,	PUNCT
fsr-3245	238	4	the	the	DET
fsr-3245	238	5	primarily	primarily	ADV
fsr-3245	238	6	future	future	ADJ
fsr-3245	238	7	oriented	orient	VERB
fsr-3245	238	8	advisors	advisor	NOUN
fsr-3245	238	9	overwhelmingly	overwhelmingly	ADV
fsr-3245	238	10	seem	seem	VERB
fsr-3245	238	11	to	to	PART
fsr-3245	238	12	favor	favor	VERB
fsr-3245	238	13	the	the	DET
fsr-3245	238	14	shorter	short	ADJ
fsr-3245	238	15	-	-	PUNCT
fsr-3245	238	16	term	term	NOUN
fsr-3245	238	17	goal	goal	NOUN
fsr-3245	238	18	.	.	PUNCT
fsr-3245	239	1	why	why	SCONJ
fsr-3245	239	2	might	might	AUX
fsr-3245	239	3	this	this	PRON
fsr-3245	239	4	occur	occur	VERB
fsr-3245	239	5	?	?	PUNCT
fsr-3245	240	1	section	section	NOUN
fsr-3245	240	2	529	529	NUM
fsr-3245	240	3	plans	plan	NOUN
fsr-3245	240	4	are	be	AUX
fsr-3245	240	5	a	a	DET
fsr-3245	240	6	very	very	ADV
fsr-3245	240	7	popular	popular	ADJ
fsr-3245	240	8	college	college	NOUN
fsr-3245	240	9	funding	funding	NOUN
fsr-3245	240	10	tool	tool	NOUN
fsr-3245	240	11	with	with	ADP
fsr-3245	240	12	many	many	ADJ
fsr-3245	240	13	benefits	benefit	NOUN
fsr-3245	240	14	,	,	PUNCT
fsr-3245	240	15	and	and	CCONJ
fsr-3245	240	16	it	it	PRON
fsr-3245	240	17	is	be	AUX
fsr-3245	240	18	likely	likely	ADJ
fsr-3245	240	19	that	that	SCONJ
fsr-3245	240	20	the	the	DET
fsr-3245	240	21	advisors	advisor	NOUN
fsr-3245	240	22	’	'	PUNCT
fsr-3245	240	23	opinions	opinion	NOUN
fsr-3245	240	24	are	be	AUX
fsr-3245	240	25	generally	generally	ADV
fsr-3245	240	26	biased	biased	ADJ
fsr-3245	240	27	toward	toward	ADP
fsr-3245	240	28	using	use	VERB
fsr-3245	240	29	them	they	PRON
fsr-3245	240	30	to	to	PART
fsr-3245	240	31	fund	fund	VERB
fsr-3245	240	32	college	college	NOUN
fsr-3245	240	33	,	,	PUNCT
fsr-3245	240	34	regardless	regardless	ADV
fsr-3245	240	35	of	of	ADP
fsr-3245	240	36	the	the	DET
fsr-3245	240	37	client	client	NOUN
fsr-3245	240	38	’s	’s	PART
fsr-3245	240	39	other	other	ADJ
fsr-3245	240	40	goals	goal	NOUN
fsr-3245	240	41	.	.	PUNCT
fsr-3245	241	1	in	in	ADP
fsr-3245	241	2	fact	fact	NOUN
fsr-3245	241	3	,	,	PUNCT
fsr-3245	241	4	one	one	NUM
fsr-3245	241	5	financial	financial	ADJ
fsr-3245	241	6	planner	planner	NOUN
fsr-3245	241	7	noted	note	VERB
fsr-3245	241	8	that	that	SCONJ
fsr-3245	241	9	he	he	PRON
fsr-3245	241	10	was	be	AUX
fsr-3245	241	11	“	"	PUNCT
fsr-3245	241	12	blinded	blind	VERB
fsr-3245	241	13	”	"	PUNCT
fsr-3245	241	14	by	by	ADP
fsr-3245	241	15	the	the	DET
fsr-3245	241	16	benefits	benefit	NOUN
fsr-3245	241	17	of	of	ADP
fsr-3245	241	18	the	the	DET
fsr-3245	241	19	529	529	NUM
fsr-3245	241	20	plan	plan	NOUN
fsr-3245	241	21	.	.	PUNCT
fsr-3245	242	1	thus	thus	ADV
fsr-3245	242	2	,	,	PUNCT
fsr-3245	242	3	it	it	PRON
fsr-3245	242	4	appears	appear	VERB
fsr-3245	242	5	that	that	SCONJ
fsr-3245	242	6	the	the	DET
fsr-3245	242	7	task	task	NOUN
fsr-3245	242	8	characteristics	characteristic	NOUN
fsr-3245	242	9	,	,	PUNCT
fsr-3245	242	10	once	once	ADV
fsr-3245	242	11	again	again	ADV
fsr-3245	242	12	,	,	PUNCT
fsr-3245	242	13	have	have	VERB
fsr-3245	242	14	more	more	ADJ
fsr-3245	242	15	of	of	ADP
fsr-3245	242	16	an	an	DET
fsr-3245	242	17	impact	impact	NOUN
fsr-3245	242	18	than	than	SCONJ
fsr-3245	242	19	do	do	VERB
fsr-3245	242	20	personal	personal	ADJ
fsr-3245	242	21	characteristics	characteristic	NOUN
fsr-3245	242	22	like	like	ADP
fsr-3245	242	23	tp	tp	X
fsr-3245	242	24	.	.	PUNCT
fsr-3245	243	1	in	in	ADP
fsr-3245	243	2	case	case	NOUN
fsr-3245	243	3	4	4	NUM
fsr-3245	243	4	,	,	PUNCT
fsr-3245	243	5	advisors	advisor	NOUN
fsr-3245	243	6	were	be	AUX
fsr-3245	243	7	asked	ask	VERB
fsr-3245	243	8	to	to	PART
fsr-3245	243	9	choose	choose	VERB
fsr-3245	243	10	among	among	ADP
fsr-3245	243	11	strategies	strategy	NOUN
fsr-3245	243	12	that	that	PRON
fsr-3245	243	13	required	require	VERB
fsr-3245	243	14	a	a	DET
fsr-3245	243	15	trade	trade	NOUN
fsr-3245	243	16	-	-	PUNCT
fsr-3245	243	17	off	off	NOUN
fsr-3245	243	18	between	between	ADP
fsr-3245	243	19	maximizing	maximize	VERB
fsr-3245	243	20	a	a	DET
fsr-3245	243	21	primary	primary	ADJ
fsr-3245	243	22	long	long	ADJ
fsr-3245	243	23	-	-	PUNCT
fsr-3245	243	24	term	term	NOUN
fsr-3245	243	25	goal	goal	NOUN
fsr-3245	243	26	of	of	ADP
fsr-3245	243	27	transferring	transfer	VERB
fsr-3245	243	28	wealth	wealth	NOUN
fsr-3245	243	29	in	in	ADP
fsr-3245	243	30	a	a	DET
fsr-3245	243	31	tax	tax	NOUN
fsr-3245	243	32	efficient	efficient	ADJ
fsr-3245	243	33	manner	manner	NOUN
fsr-3245	243	34	versus	versus	ADP
fsr-3245	243	35	achievement	achievement	NOUN
fsr-3245	243	36	of	of	ADP
fsr-3245	243	37	that	that	DET
fsr-3245	243	38	primary	primary	ADJ
fsr-3245	243	39	long	long	ADJ
fsr-3245	243	40	-	-	PUNCT
fsr-3245	243	41	term	term	NOUN
fsr-3245	243	42	goal	goal	NOUN
fsr-3245	243	43	to	to	ADP
fsr-3245	243	44	a	a	DET
fsr-3245	243	45	lesser	less	ADJ
fsr-3245	243	46	extent	extent	NOUN
fsr-3245	243	47	in	in	ADP
fsr-3245	243	48	addition	addition	NOUN
fsr-3245	243	49	to	to	ADP
fsr-3245	243	50	a	a	DET
fsr-3245	243	51	secondary	secondary	ADJ
fsr-3245	243	52	short	short	ADJ
fsr-3245	243	53	-	-	PUNCT
fsr-3245	243	54	term	term	NOUN
fsr-3245	243	55	goal	goal	NOUN
fsr-3245	243	56	of	of	ADP
fsr-3245	243	57	maximizing	maximize	VERB
fsr-3245	243	58	current	current	ADJ
fsr-3245	243	59	cash	cash	NOUN
fsr-3245	243	60	flow	flow	NOUN
fsr-3245	243	61	.	.	PUNCT
fsr-3245	244	1	option	option	NOUN
fsr-3245	244	2	a	a	PRON
fsr-3245	244	3	achieves	achieve	VERB
fsr-3245	244	4	the	the	DET
fsr-3245	244	5	primary	primary	ADJ
fsr-3245	244	6	goal	goal	NOUN
fsr-3245	244	7	by	by	ADP
fsr-3245	244	8	utilizing	utilize	VERB
fsr-3245	244	9	the	the	DET
fsr-3245	244	10	unified	unified	ADJ
fsr-3245	244	11	tax	tax	NOUN
fsr-3245	244	12	credit	credit	NOUN
fsr-3245	244	13	to	to	PART
fsr-3245	244	14	transfer	transfer	VERB
fsr-3245	244	15	the	the	DET
fsr-3245	244	16	money	money	NOUN
fsr-3245	244	17	and	and	CCONJ
fsr-3245	244	18	avoid	avoid	VERB
fsr-3245	244	19	estate	estate	NOUN
fsr-3245	244	20	and	and	CCONJ
fsr-3245	244	21	gift	gift	NOUN
fsr-3245	244	22	taxes	taxis	NOUN
fsr-3245	244	23	paid	pay	VERB
fsr-3245	244	24	by	by	ADP
fsr-3245	244	25	the	the	DET
fsr-3245	244	26	client	client	NOUN
fsr-3245	244	27	.	.	PUNCT
fsr-3245	245	1	it	it	PRON
fsr-3245	245	2	achieves	achieve	VERB
fsr-3245	245	3	the	the	DET
fsr-3245	245	4	secondary	secondary	ADJ
fsr-3245	245	5	goal	goal	NOUN
fsr-3245	245	6	because	because	SCONJ
fsr-3245	245	7	the	the	DET
fsr-3245	245	8	trust	trust	NOUN
fsr-3245	245	9	now	now	ADV
fsr-3245	245	10	pays	pay	VERB
fsr-3245	245	11	income	income	NOUN
fsr-3245	245	12	taxes	taxis	NOUN
fsr-3245	245	13	on	on	ADP
fsr-3245	245	14	the	the	DET
fsr-3245	245	15	earnings	earning	NOUN
fsr-3245	245	16	instead	instead	ADV
fsr-3245	245	17	of	of	ADP
fsr-3245	245	18	the	the	DET
fsr-3245	245	19	client	client	NOUN
fsr-3245	245	20	,	,	PUNCT
fsr-3245	245	21	thus	thus	ADV
fsr-3245	245	22	increasing	increase	VERB
fsr-3245	245	23	the	the	DET
fsr-3245	245	24	client	client	NOUN
fsr-3245	245	25	’s	’s	PART
fsr-3245	245	26	cash	cash	NOUN
fsr-3245	245	27	flow	flow	NOUN
fsr-3245	245	28	.	.	PUNCT
fsr-3245	246	1	option	option	NOUN
fsr-3245	246	2	b	b	NOUN
fsr-3245	246	3	results	result	NOUN
fsr-3245	246	4	in	in	ADP
fsr-3245	246	5	a	a	DET
fsr-3245	246	6	reduced	reduce	VERB
fsr-3245	246	7	cash	cash	NOUN
fsr-3245	246	8	flow	flow	NOUN
fsr-3245	246	9	for	for	ADP
fsr-3245	246	10	the	the	DET
fsr-3245	246	11	client	client	NOUN
fsr-3245	246	12	because	because	SCONJ
fsr-3245	246	13	an	an	DET
fsr-3245	246	14	intentionally	intentionally	ADV
fsr-3245	246	15	defective	defective	ADJ
fsr-3245	246	16	trust	trust	NOUN
fsr-3245	246	17	requires	require	VERB
fsr-3245	246	18	the	the	DET
fsr-3245	246	19	client	client	NOUN
fsr-3245	246	20	pay	pay	NOUN
fsr-3245	246	21	income	income	NOUN
fsr-3245	246	22	taxes	taxis	NOUN
fsr-3245	246	23	on	on	ADP
fsr-3245	246	24	the	the	DET
fsr-3245	246	25	trust	trust	NOUN
fsr-3245	246	26	’s	’s	PART
fsr-3245	246	27	earnings	earning	NOUN
fsr-3245	246	28	.	.	PUNCT
fsr-3245	247	1	however	however	ADV
fsr-3245	247	2	,	,	PUNCT
fsr-3245	247	3	the	the	DET
fsr-3245	247	4	tax	tax	NOUN
fsr-3245	247	5	rate	rate	NOUN
fsr-3245	247	6	the	the	DET
fsr-3245	247	7	client	client	NOUN
fsr-3245	247	8	pays	pay	VERB
fsr-3245	247	9	is	be	AUX
fsr-3245	247	10	smaller	small	ADJ
fsr-3245	247	11	and	and	CCONJ
fsr-3245	247	12	the	the	DET
fsr-3245	247	13	amount	amount	NOUN
fsr-3245	247	14	of	of	ADP
fsr-3245	247	15	long	long	ADJ
fsr-3245	247	16	-	-	PUNCT
fsr-3245	247	17	term	term	NOUN
fsr-3245	247	18	wealth	wealth	NOUN
fsr-3245	247	19	ultimately	ultimately	ADV
fsr-3245	247	20	transferred	transfer	VERB
fsr-3245	247	21	is	be	AUX
fsr-3245	247	22	much	much	ADV
fsr-3245	247	23	larger	large	ADJ
fsr-3245	247	24	.	.	PUNCT
fsr-3245	248	1	thus	thus	ADV
fsr-3245	248	2	,	,	PUNCT
fsr-3245	248	3	option	option	NOUN
fsr-3245	248	4	b	b	NOUN
fsr-3245	248	5	maximizes	maximize	VERB
fsr-3245	248	6	the	the	DET
fsr-3245	248	7	long	long	ADJ
fsr-3245	248	8	-	-	PUNCT
fsr-3245	248	9	term	term	NOUN
fsr-3245	248	10	benefits	benefit	NOUN
fsr-3245	248	11	,	,	PUNCT
fsr-3245	248	12	while	while	SCONJ
fsr-3245	248	13	option	option	NOUN
fsr-3245	248	14	a	a	PRON
fsr-3245	248	15	has	have	VERB
fsr-3245	248	16	more	more	ADJ
fsr-3245	248	17	current	current	ADJ
fsr-3245	248	18	benefits	benefit	NOUN
fsr-3245	248	19	.	.	PUNCT
fsr-3245	249	1	approximately	approximately	ADV
fsr-3245	249	2	44	44	NUM
fsr-3245	249	3	%	%	NOUN
fsr-3245	249	4	of	of	ADP
fsr-3245	249	5	the	the	DET
fsr-3245	249	6	planners	planner	NOUN
fsr-3245	249	7	chose	choose	VERB
fsr-3245	249	8	option	option	NOUN
fsr-3245	249	9	a	a	DET
fsr-3245	249	10	versus	versus	ADP
fsr-3245	249	11	56	56	NUM
fsr-3245	249	12	%	%	NOUN
fsr-3245	249	13	that	that	PRON
fsr-3245	249	14	chose	choose	VERB
fsr-3245	249	15	option	option	NOUN
fsr-3245	249	16	b	b	NOUN
fsr-3245	249	17	(	(	PUNCT
fsr-3245	249	18	mean	mean	NOUN
fsr-3245	249	19	�	�	PROPN
fsr-3245	249	20	3.70	3.70	NUM
fsr-3245	249	21	)	)	PUNCT
fsr-3245	249	22	.	.	PUNCT
fsr-3245	250	1	�	�	NOUN
fsr-3245	250	2	2	2	NUM
fsr-3245	250	3	tests	test	NOUN
fsr-3245	250	4	indicate	indicate	VERB
fsr-3245	250	5	no	no	DET
fsr-3245	250	6	significant	significant	ADJ
fsr-3245	250	7	difference	difference	NOUN
fsr-3245	250	8	between	between	ADP
fsr-3245	250	9	the	the	DET
fsr-3245	250	10	number	number	NOUN
fsr-3245	250	11	of	of	ADP
fsr-3245	250	12	planners	planner	NOUN
fsr-3245	250	13	choosing	choose	VERB
fsr-3245	250	14	each	each	DET
fsr-3245	250	15	option	option	NOUN
fsr-3245	250	16	(	(	PUNCT
fsr-3245	250	17	�	�	NOUN
fsr-3245	250	18	2	2	NUM
fsr-3245	250	19	�	�	PROPN
fsr-3245	250	20	2.03	2.03	NUM
fsr-3245	250	21	,	,	PUNCT
fsr-3245	250	22	p	p	PROPN
fsr-3245	250	23	�	�	PROPN
fsr-3245	250	24	0.154	0.154	NUM
fsr-3245	250	25	)	)	PUNCT
fsr-3245	250	26	,	,	PUNCT
fsr-3245	250	27	and	and	CCONJ
fsr-3245	250	28	only	only	ADV
fsr-3245	250	29	one	one	NUM
fsr-3245	250	30	of	of	ADP
fsr-3245	250	31	the	the	DET
fsr-3245	250	32	twelve	twelve	NUM
fsr-3245	250	33	regressions	regression	NOUN
fsr-3245	250	34	shows	show	VERB
fsr-3245	250	35	any	any	DET
fsr-3245	250	36	significant	significant	ADJ
fsr-3245	250	37	relationship	relationship	NOUN
fsr-3245	250	38	between	between	ADP
fsr-3245	250	39	tp	tp	NOUN
fsr-3245	250	40	and	and	CCONJ
fsr-3245	250	41	the	the	DET
fsr-3245	250	42	option	option	NOUN
fsr-3245	250	43	chosen	choose	VERB
fsr-3245	250	44	.	.	PUNCT
fsr-3245	251	1	in	in	ADP
fsr-3245	251	2	summary	summary	NOUN
fsr-3245	251	3	,	,	PUNCT
fsr-3245	251	4	the	the	DET
fsr-3245	251	5	future	future	ADJ
fsr-3245	251	6	oriented	orient	VERB
fsr-3245	251	7	planners	planner	NOUN
fsr-3245	251	8	sometimes	sometimes	ADV
fsr-3245	251	9	chose	choose	VERB
fsr-3245	251	10	the	the	DET
fsr-3245	251	11	option	option	NOUN
fsr-3245	251	12	with	with	ADP
fsr-3245	251	13	more	more	ADJ
fsr-3245	251	14	present	present	ADJ
fsr-3245	251	15	benefits	benefit	NOUN
fsr-3245	251	16	and	and	CCONJ
fsr-3245	251	17	other	other	ADJ
fsr-3245	251	18	times	time	NOUN
fsr-3245	251	19	chose	choose	VERB
fsr-3245	251	20	the	the	DET
fsr-3245	251	21	option	option	NOUN
fsr-3245	251	22	with	with	ADP
fsr-3245	251	23	more	more	ADJ
fsr-3245	251	24	future	future	ADJ
fsr-3245	251	25	benefits	benefit	NOUN
fsr-3245	251	26	.	.	PUNCT
fsr-3245	252	1	it	it	PRON
fsr-3245	252	2	appears	appear	VERB
fsr-3245	252	3	that	that	SCONJ
fsr-3245	252	4	the	the	DET
fsr-3245	252	5	characteristics	characteristic	NOUN
fsr-3245	252	6	of	of	ADP
fsr-3245	252	7	the	the	DET
fsr-3245	252	8	task	task	NOUN
fsr-3245	252	9	override	override	NOUN
fsr-3245	252	10	any	any	DET
fsr-3245	252	11	affect	affect	NOUN
fsr-3245	252	12	that	that	SCONJ
fsr-3245	252	13	individual	individual	ADJ
fsr-3245	252	14	characteristics	characteristic	NOUN
fsr-3245	252	15	,	,	PUNCT
fsr-3245	252	16	such	such	ADJ
fsr-3245	252	17	as	as	ADP
fsr-3245	252	18	tp	tp	NOUN
fsr-3245	252	19	,	,	PUNCT
fsr-3245	252	20	may	may	AUX
fsr-3245	252	21	have	have	VERB
fsr-3245	252	22	on	on	ADP
fsr-3245	252	23	the	the	DET
fsr-3245	252	24	decision	decision	NOUN
fsr-3245	252	25	behavior	behavior	NOUN
fsr-3245	252	26	of	of	ADP
fsr-3245	252	27	professional	professional	ADJ
fsr-3245	252	28	financial	financial	ADJ
fsr-3245	252	29	planners	planner	NOUN
fsr-3245	252	30	.	.	PUNCT
fsr-3245	253	1	this	this	DET
fsr-3245	253	2	result	result	NOUN
fsr-3245	253	3	supports	support	VERB
fsr-3245	253	4	hypothesis	hypothesis	NOUN
fsr-3245	253	5	3	3	NUM
fsr-3245	253	6	and	and	CCONJ
fsr-3245	253	7	is	be	AUX
fsr-3245	253	8	consistent	consistent	ADJ
fsr-3245	253	9	with	with	ADP
fsr-3245	253	10	prior	prior	ADJ
fsr-3245	253	11	research	research	NOUN
fsr-3245	253	12	in	in	ADP
fsr-3245	253	13	behavioral	behavioral	ADJ
fsr-3245	253	14	decision	decision	NOUN
fsr-3245	253	15	-	-	PUNCT
fsr-3245	253	16	making	making	NOUN
fsr-3245	253	17	which	which	PRON
fsr-3245	253	18	indicates	indicate	VERB
fsr-3245	253	19	that	that	SCONJ
fsr-3245	253	20	task	task	NOUN
fsr-3245	253	21	characteristics	characteristic	NOUN
fsr-3245	253	22	have	have	VERB
fsr-3245	253	23	a	a	DET
fsr-3245	253	24	major	major	ADJ
fsr-3245	253	25	impact	impact	NOUN
fsr-3245	253	26	on	on	ADP
fsr-3245	253	27	decision	decision	NOUN
fsr-3245	253	28	-	-	PUNCT
fsr-3245	253	29	making	making	NOUN
fsr-3245	253	30	(	(	PUNCT
fsr-3245	253	31	e.g.	e.g.	ADJ
fsr-3245	253	32	,	,	PUNCT
fsr-3245	253	33	beach	beach	NOUN
fsr-3245	253	34	and	and	CCONJ
fsr-3245	253	35	mitchell	mitchell	PROPN
fsr-3245	253	36	,	,	PUNCT
fsr-3245	253	37	1978	1978	NUM
fsr-3245	253	38	;	;	PUNCT
fsr-3245	253	39	payne	payne	PROPN
fsr-3245	253	40	,	,	PUNCT
fsr-3245	253	41	1982	1982	NUM
fsr-3245	253	42	;	;	PUNCT
fsr-3245	253	43	payne	payne	PROPN
fsr-3245	253	44	et	et	PROPN
fsr-3245	253	45	al	al	PROPN
fsr-3245	253	46	.	.	PROPN
fsr-3245	253	47	,	,	PUNCT
fsr-3245	253	48	1992	1992	NUM
fsr-3245	253	49	)	)	PUNCT
fsr-3245	253	50	.	.	PUNCT
fsr-3245	254	1	it	it	PRON
fsr-3245	254	2	is	be	AUX
fsr-3245	254	3	also	also	ADV
fsr-3245	254	4	consistent	consistent	ADJ
fsr-3245	254	5	with	with	ADP
fsr-3245	254	6	research	research	NOUN
fsr-3245	254	7	demonstrating	demonstrate	VERB
fsr-3245	254	8	that	that	SCONJ
fsr-3245	254	9	judgment	judgment	NOUN
fsr-3245	254	10	biases	bias	NOUN
fsr-3245	254	11	are	be	AUX
fsr-3245	254	12	often	often	ADV
fsr-3245	254	13	mitigated	mitigate	VERB
fsr-3245	254	14	when	when	SCONJ
fsr-3245	254	15	experienced	experienced	ADJ
fsr-3245	254	16	decision	decision	NOUN
fsr-3245	254	17	makers	maker	NOUN
fsr-3245	254	18	perform	perform	VERB
fsr-3245	254	19	tasks	task	NOUN
fsr-3245	254	20	for	for	ADP
fsr-3245	254	21	which	which	PRON
fsr-3245	254	22	they	they	PRON
fsr-3245	254	23	possess	possess	VERB
fsr-3245	254	24	significant	significant	ADJ
fsr-3245	254	25	knowledge	knowledge	NOUN
fsr-3245	254	26	or	or	CCONJ
fsr-3245	254	27	expertise	expertise	NOUN
fsr-3245	254	28	(	(	PUNCT
fsr-3245	254	29	berkeley	berkeley	PROPN
fsr-3245	254	30	and	and	CCONJ
fsr-3245	254	31	humphreys	humphreys	PROPN
fsr-3245	254	32	,	,	PUNCT
fsr-3245	254	33	1982	1982	NUM
fsr-3245	254	34	;	;	PUNCT
fsr-3245	254	35	ebbesen	ebbesen	NOUN
fsr-3245	254	36	and	and	CCONJ
fsr-3245	254	37	konecni	konecni	NOUN
fsr-3245	254	38	,	,	PUNCT
fsr-3245	254	39	1980	1980	NUM
fsr-3245	254	40	;	;	PUNCT
fsr-3245	254	41	edwards	edwards	PROPN
fsr-3245	254	42	,	,	PUNCT
fsr-3245	254	43	1983	1983	NUM
fsr-3245	254	44	;	;	PUNCT
fsr-3245	254	45	einhorn	einhorn	PROPN
fsr-3245	254	46	,	,	PUNCT
fsr-3245	254	47	1976	1976	NUM
fsr-3245	254	48	;	;	PUNCT
fsr-3245	254	49	fischoff	fischoff	NOUN
fsr-3245	254	50	,	,	PUNCT
fsr-3245	254	51	1982	1982	NUM
fsr-3245	254	52	,	,	PUNCT
fsr-3245	254	53	1987	1987	NUM
fsr-3245	254	54	;	;	PUNCT
fsr-3245	254	55	funder	funder	NOUN
fsr-3245	254	56	,	,	PUNCT
fsr-3245	254	57	1987	1987	NUM
fsr-3245	254	58	;	;	PUNCT
fsr-3245	254	59	hogarth	hogarth	NOUN
fsr-3245	254	60	,	,	PUNCT
fsr-3245	254	61	1981	1981	NUM
fsr-3245	254	62	;	;	PUNCT
fsr-3245	254	63	kida	kida	PROPN
fsr-3245	254	64	et	et	PROPN
fsr-3245	254	65	al	al	PROPN
fsr-3245	254	66	.	.	PROPN
fsr-3245	254	67	,	,	PUNCT
fsr-3245	254	68	2010	2010	NUM
fsr-3245	254	69	;	;	PUNCT
fsr-3245	254	70	smith	smith	PROPN
fsr-3245	254	71	and	and	CCONJ
fsr-3245	254	72	kida	kida	PROPN
fsr-3245	254	73	,	,	PUNCT
fsr-3245	254	74	1991	1991	NUM
fsr-3245	254	75	)	)	PUNCT
fsr-3245	254	76	.	.	PUNCT
fsr-3245	255	1	401k.n	401k.n	X
fsr-3245	255	2	.	.	PUNCT
fsr-3245	255	3	ryack	ryack	NOUN
fsr-3245	255	4	/	/	SYM
fsr-3245	255	5	financial	financial	ADJ
fsr-3245	255	6	services	service	NOUN
fsr-3245	255	7	review	review	VERB
fsr-3245	255	8	24	24	NUM
fsr-3245	255	9	(	(	PUNCT
fsr-3245	255	10	2015	2015	NUM
fsr-3245	255	11	)	)	PUNCT
fsr-3245	255	12	387–410	387–410	NUM
fsr-3245	255	13	5	5	NUM
fsr-3245	255	14	.	.	PUNCT
fsr-3245	255	15	conclusion	conclusion	NOUN
fsr-3245	255	16	the	the	DET
fsr-3245	255	17	first	first	ADJ
fsr-3245	255	18	hypothesis	hypothesis	NOUN
fsr-3245	255	19	examines	examine	VERB
fsr-3245	255	20	whether	whether	SCONJ
fsr-3245	255	21	professional	professional	ADJ
fsr-3245	255	22	financial	financial	ADJ
fsr-3245	255	23	planners	planner	NOUN
fsr-3245	255	24	tend	tend	VERB
fsr-3245	255	25	to	to	PART
fsr-3245	255	26	display	display	VERB
fsr-3245	255	27	a	a	DET
fsr-3245	255	28	particular	particular	ADJ
fsr-3245	255	29	time	time	NOUN
fsr-3245	255	30	orientation	orientation	NOUN
fsr-3245	255	31	as	as	ADP
fsr-3245	255	32	a	a	DET
fsr-3245	255	33	group	group	NOUN
fsr-3245	255	34	.	.	PUNCT
fsr-3245	256	1	gonzalez	gonzalez	PROPN
fsr-3245	256	2	and	and	CCONJ
fsr-3245	256	3	zimbardo	zimbardo	PROPN
fsr-3245	256	4	(	(	PUNCT
fsr-3245	256	5	1985	1985	NUM
fsr-3245	256	6	)	)	PUNCT
fsr-3245	256	7	present	present	ADJ
fsr-3245	256	8	preliminary	preliminary	ADJ
fsr-3245	256	9	results	result	NOUN
fsr-3245	256	10	which	which	PRON
fsr-3245	256	11	indicate	indicate	VERB
fsr-3245	256	12	that	that	SCONJ
fsr-3245	256	13	tp	tp	NOUN
fsr-3245	256	14	may	may	AUX
fsr-3245	256	15	be	be	AUX
fsr-3245	256	16	associated	associate	VERB
fsr-3245	256	17	with	with	ADP
fsr-3245	256	18	different	different	ADJ
fsr-3245	256	19	occupations	occupation	NOUN
fsr-3245	256	20	(	(	PUNCT
fsr-3245	256	21	e.g.	e.g.	ADV
fsr-3245	256	22	,	,	PUNCT
fsr-3245	256	23	teachers	teacher	NOUN
fsr-3245	256	24	,	,	PUNCT
fsr-3245	256	25	students	student	NOUN
fsr-3245	256	26	,	,	PUNCT
fsr-3245	256	27	managers	manager	NOUN
fsr-3245	256	28	,	,	PUNCT
fsr-3245	256	29	professionals	professional	NOUN
fsr-3245	256	30	,	,	PUNCT
fsr-3245	256	31	homemakers	homemaker	NOUN
fsr-3245	256	32	,	,	PUNCT
fsr-3245	256	33	semiskilled	semiskilled	ADJ
fsr-3245	256	34	or	or	CCONJ
fsr-3245	256	35	unskilled	unskilled	ADJ
fsr-3245	256	36	workers	worker	NOUN
fsr-3245	256	37	,	,	PUNCT
fsr-3245	256	38	etc	etc	X
fsr-3245	256	39	.	.	X
fsr-3245	256	40	)	)	PUNCT
fsr-3245	256	41	.	.	PUNCT
fsr-3245	257	1	the	the	DET
fsr-3245	257	2	researchers	researcher	NOUN
fsr-3245	257	3	conclude	conclude	VERB
fsr-3245	257	4	that	that	SCONJ
fsr-3245	257	5	individuals	individual	NOUN
fsr-3245	257	6	most	most	ADV
fsr-3245	257	7	likely	likely	ADV
fsr-3245	257	8	select	select	VERB
fsr-3245	257	9	a	a	DET
fsr-3245	257	10	particular	particular	ADJ
fsr-3245	257	11	career	career	NOUN
fsr-3245	257	12	because	because	SCONJ
fsr-3245	257	13	they	they	PRON
fsr-3245	257	14	have	have	VERB
fsr-3245	257	15	the	the	DET
fsr-3245	257	16	tp	tp	NOUN
fsr-3245	257	17	called	call	VERB
fsr-3245	257	18	for	for	ADP
fsr-3245	257	19	by	by	ADP
fsr-3245	257	20	that	that	DET
fsr-3245	257	21	career	career	NOUN
fsr-3245	257	22	.	.	PUNCT
fsr-3245	258	1	gonzalez	gonzalez	PROPN
fsr-3245	258	2	and	and	CCONJ
fsr-3245	258	3	zimbardo	zimbardo	PROPN
fsr-3245	258	4	also	also	ADV
fsr-3245	258	5	suggest	suggest	VERB
fsr-3245	258	6	that	that	SCONJ
fsr-3245	258	7	success	success	NOUN
fsr-3245	258	8	in	in	ADP
fsr-3245	258	9	the	the	DET
fsr-3245	258	10	occupation	occupation	NOUN
fsr-3245	258	11	further	further	ADJ
fsr-3245	258	12	intensifies	intensify	VERB
fsr-3245	258	13	that	that	PRON
fsr-3245	258	14	tp	tp	PART
fsr-3245	258	15	bias	bias	VERB
fsr-3245	258	16	.	.	PUNCT
fsr-3245	259	1	my	my	PRON
fsr-3245	259	2	results	result	NOUN
fsr-3245	259	3	are	be	AUX
fsr-3245	259	4	consistent	consistent	ADJ
fsr-3245	259	5	with	with	ADP
fsr-3245	259	6	those	those	DET
fsr-3245	259	7	conclusions	conclusion	NOUN
fsr-3245	259	8	because	because	SCONJ
fsr-3245	259	9	i	i	PRON
fsr-3245	259	10	find	find	VERB
fsr-3245	259	11	that	that	SCONJ
fsr-3245	259	12	planners	planner	NOUN
fsr-3245	259	13	tend	tend	VERB
fsr-3245	259	14	to	to	PART
fsr-3245	259	15	be	be	AUX
fsr-3245	259	16	future	future	ADV
fsr-3245	259	17	oriented	orient	VERB
fsr-3245	259	18	as	as	ADP
fsr-3245	259	19	a	a	DET
fsr-3245	259	20	group	group	NOUN
fsr-3245	259	21	.	.	PUNCT
fsr-3245	260	1	personal	personal	ADJ
fsr-3245	260	2	financial	financial	ADJ
fsr-3245	260	3	planning	planning	NOUN
fsr-3245	260	4	involves	involve	VERB
fsr-3245	260	5	work	work	NOUN
fsr-3245	260	6	that	that	PRON
fsr-3245	260	7	is	be	AUX
fsr-3245	260	8	a	a	DET
fsr-3245	260	9	very	very	ADV
fsr-3245	260	10	forward	forward	ADV
fsr-3245	260	11	looking	look	VERB
fsr-3245	261	1	and	and	CCONJ
fsr-3245	261	2	it	it	PRON
fsr-3245	261	3	is	be	AUX
fsr-3245	261	4	logical	logical	ADJ
fsr-3245	261	5	that	that	SCONJ
fsr-3245	261	6	such	such	DET
fsr-3245	261	7	a	a	DET
fsr-3245	261	8	career	career	NOUN
fsr-3245	261	9	would	would	AUX
fsr-3245	261	10	be	be	AUX
fsr-3245	261	11	appropriate	appropriate	ADJ
fsr-3245	261	12	for	for	ADP
fsr-3245	261	13	future	future	ADJ
fsr-3245	261	14	oriented	orient	VERB
fsr-3245	261	15	individuals	individual	NOUN
fsr-3245	261	16	.	.	PUNCT
fsr-3245	262	1	the	the	DET
fsr-3245	262	2	findings	finding	NOUN
fsr-3245	262	3	combined	combine	VERB
fsr-3245	262	4	with	with	ADP
fsr-3245	262	5	the	the	DET
fsr-3245	262	6	results	result	NOUN
fsr-3245	262	7	of	of	ADP
fsr-3245	262	8	the	the	DET
fsr-3245	262	9	gonzalez	gonzalez	PROPN
fsr-3245	262	10	and	and	CCONJ
fsr-3245	262	11	zimbardo	zimbardo	PROPN
fsr-3245	262	12	(	(	PUNCT
fsr-3245	262	13	1985	1985	NUM
fsr-3245	262	14	)	)	PUNCT
fsr-3245	262	15	study	study	NOUN
fsr-3245	262	16	suggest	suggest	VERB
fsr-3245	262	17	that	that	SCONJ
fsr-3245	262	18	tp	tp	NOUN
fsr-3245	262	19	could	could	AUX
fsr-3245	262	20	be	be	AUX
fsr-3245	262	21	used	use	VERB
fsr-3245	262	22	as	as	ADP
fsr-3245	262	23	a	a	DET
fsr-3245	262	24	tool	tool	NOUN
fsr-3245	262	25	in	in	ADP
fsr-3245	262	26	helping	help	VERB
fsr-3245	262	27	individuals	individual	NOUN
fsr-3245	262	28	plan	plan	VERB
fsr-3245	262	29	their	their	PRON
fsr-3245	262	30	career	career	NOUN
fsr-3245	262	31	or	or	CCONJ
fsr-3245	262	32	in	in	ADP
fsr-3245	262	33	assisting	assist	VERB
fsr-3245	262	34	companies	company	NOUN
fsr-3245	262	35	screening	screen	VERB
fsr-3245	262	36	candidates	candidate	NOUN
fsr-3245	262	37	for	for	ADP
fsr-3245	262	38	specific	specific	ADJ
fsr-3245	262	39	types	type	NOUN
fsr-3245	262	40	of	of	ADP
fsr-3245	262	41	positions	position	NOUN
fsr-3245	262	42	.	.	PUNCT
fsr-3245	263	1	the	the	DET
fsr-3245	263	2	second	second	ADJ
fsr-3245	263	3	hypothesis	hypothesis	NOUN
fsr-3245	263	4	explores	explore	VERB
fsr-3245	263	5	whether	whether	SCONJ
fsr-3245	263	6	an	an	DET
fsr-3245	263	7	advisor	advisor	NOUN
fsr-3245	263	8	’s	’s	PART
fsr-3245	263	9	professional	professional	ADJ
fsr-3245	263	10	background	background	NOUN
fsr-3245	263	11	(	(	PUNCT
fsr-3245	263	12	e.g.	e.g.	ADV
fsr-3245	263	13	,	,	PUNCT
fsr-3245	263	14	accounting	accounting	NOUN
fsr-3245	263	15	,	,	PUNCT
fsr-3245	263	16	insurance	insurance	NOUN
fsr-3245	263	17	,	,	PUNCT
fsr-3245	263	18	investment	investment	NOUN
fsr-3245	263	19	,	,	PUNCT
fsr-3245	263	20	etc	etc	X
fsr-3245	263	21	.	.	X
fsr-3245	263	22	)	)	PUNCT
fsr-3245	263	23	impacts	impact	VERB
fsr-3245	263	24	their	their	PRON
fsr-3245	263	25	tp	tp	NOUN
fsr-3245	263	26	.	.	PUNCT
fsr-3245	264	1	while	while	SCONJ
fsr-3245	264	2	it	it	PRON
fsr-3245	264	3	was	be	AUX
fsr-3245	264	4	not	not	PART
fsr-3245	264	5	a	a	DET
fsr-3245	264	6	formal	formal	ADJ
fsr-3245	264	7	research	research	NOUN
fsr-3245	264	8	question	question	NOUN
fsr-3245	264	9	,	,	PUNCT
fsr-3245	264	10	i	i	PRON
fsr-3245	264	11	also	also	ADV
fsr-3245	264	12	examined	examine	VERB
fsr-3245	264	13	whether	whether	SCONJ
fsr-3245	264	14	professional	professional	ADJ
fsr-3245	264	15	background	background	NOUN
fsr-3245	264	16	influenced	influence	VERB
fsr-3245	264	17	decision	decision	NOUN
fsr-3245	264	18	-	-	PUNCT
fsr-3245	264	19	making	making	NOUN
fsr-3245	264	20	directly	directly	ADV
fsr-3245	264	21	.	.	PUNCT
fsr-3245	265	1	there	there	PRON
fsr-3245	265	2	is	be	VERB
fsr-3245	265	3	some	some	DET
fsr-3245	265	4	concern	concern	NOUN
fsr-3245	265	5	raised	raise	VERB
fsr-3245	265	6	in	in	ADP
fsr-3245	265	7	the	the	DET
fsr-3245	265	8	practitioner	practitioner	NOUN
fsr-3245	265	9	literature	literature	NOUN
fsr-3245	265	10	that	that	PRON
fsr-3245	265	11	a	a	DET
fsr-3245	265	12	planner	planner	NOUN
fsr-3245	265	13	’s	’s	PART
fsr-3245	265	14	professional	professional	ADJ
fsr-3245	265	15	background	background	NOUN
fsr-3245	265	16	might	might	AUX
fsr-3245	265	17	affect	affect	VERB
fsr-3245	265	18	their	their	PRON
fsr-3245	265	19	decisions	decision	NOUN
fsr-3245	265	20	and	and	CCONJ
fsr-3245	265	21	recommendations	recommendation	NOUN
fsr-3245	265	22	to	to	ADP
fsr-3245	265	23	clients	client	NOUN
fsr-3245	265	24	.	.	PUNCT
fsr-3245	266	1	for	for	ADP
fsr-3245	266	2	example	example	NOUN
fsr-3245	266	3	,	,	PUNCT
fsr-3245	266	4	the	the	DET
fsr-3245	266	5	former	former	ADJ
fsr-3245	266	6	head	head	NOUN
fsr-3245	266	7	of	of	ADP
fsr-3245	266	8	the	the	DET
fsr-3245	266	9	aicpa	aicpa	ADJ
fsr-3245	266	10	personal	personal	ADJ
fsr-3245	266	11	financial	financial	ADJ
fsr-3245	266	12	planning	planning	NOUN
fsr-3245	266	13	division	division	NOUN
fsr-3245	266	14	indicated	indicate	VERB
fsr-3245	266	15	that	that	SCONJ
fsr-3245	266	16	cpas	cpa	NOUN
fsr-3245	266	17	often	often	ADV
fsr-3245	266	18	have	have	VERB
fsr-3245	266	19	trouble	trouble	NOUN
fsr-3245	266	20	with	with	ADP
fsr-3245	266	21	long	long	ADJ
fsr-3245	266	22	-	-	PUNCT
fsr-3245	266	23	term	term	NOUN
fsr-3245	266	24	planning	planning	NOUN
fsr-3245	266	25	(	(	PUNCT
fsr-3245	266	26	o’reilly	o’reilly	ADV
fsr-3245	266	27	,	,	PUNCT
fsr-3245	266	28	2000	2000	NUM
fsr-3245	266	29	)	)	PUNCT
fsr-3245	266	30	.	.	PUNCT
fsr-3245	267	1	this	this	PRON
fsr-3245	267	2	might	might	AUX
fsr-3245	267	3	lead	lead	VERB
fsr-3245	267	4	one	one	NUM
fsr-3245	267	5	to	to	PART
fsr-3245	267	6	conclude	conclude	VERB
fsr-3245	267	7	that	that	SCONJ
fsr-3245	267	8	a	a	DET
fsr-3245	267	9	planner	planner	NOUN
fsr-3245	267	10	’s	’s	PART
fsr-3245	267	11	background	background	NOUN
fsr-3245	267	12	may	may	AUX
fsr-3245	267	13	affect	affect	VERB
fsr-3245	267	14	their	their	PRON
fsr-3245	267	15	tp	tp	NOUN
fsr-3245	267	16	and	and	CCONJ
fsr-3245	267	17	their	their	PRON
fsr-3245	267	18	decisions	decision	NOUN
fsr-3245	267	19	.	.	PUNCT
fsr-3245	268	1	however	however	ADV
fsr-3245	268	2	,	,	PUNCT
fsr-3245	268	3	i	i	PRON
fsr-3245	268	4	do	do	AUX
fsr-3245	268	5	not	not	PART
fsr-3245	268	6	find	find	VERB
fsr-3245	268	7	much	much	ADJ
fsr-3245	268	8	difference	difference	NOUN
fsr-3245	268	9	between	between	ADP
fsr-3245	268	10	the	the	DET
fsr-3245	268	11	planners	planner	NOUN
fsr-3245	268	12	’	'	PUNCT
fsr-3245	268	13	tp	tp	NOUN
fsr-3245	268	14	based	base	VERB
fsr-3245	268	15	on	on	ADP
fsr-3245	268	16	their	their	PRON
fsr-3245	268	17	background	background	NOUN
fsr-3245	268	18	,	,	PUNCT
fsr-3245	268	19	nor	nor	CCONJ
fsr-3245	268	20	do	do	AUX
fsr-3245	268	21	i	i	PRON
fsr-3245	268	22	find	find	VERB
fsr-3245	268	23	that	that	SCONJ
fsr-3245	268	24	their	their	PRON
fsr-3245	268	25	background	background	NOUN
fsr-3245	268	26	directly	directly	ADV
fsr-3245	268	27	affects	affect	VERB
fsr-3245	268	28	any	any	PRON
fsr-3245	268	29	of	of	ADP
fsr-3245	268	30	their	their	PRON
fsr-3245	268	31	decisions	decision	NOUN
fsr-3245	268	32	.	.	PUNCT
fsr-3245	269	1	thus	thus	ADV
fsr-3245	269	2	,	,	PUNCT
fsr-3245	269	3	concerns	concern	VERB
fsr-3245	269	4	that	that	SCONJ
fsr-3245	269	5	a	a	DET
fsr-3245	269	6	planner	planner	NOUN
fsr-3245	269	7	’s	’s	PART
fsr-3245	269	8	professional	professional	ADJ
fsr-3245	269	9	background	background	NOUN
fsr-3245	269	10	influences	influence	VERB
fsr-3245	269	11	their	their	PRON
fsr-3245	269	12	decisions	decision	NOUN
fsr-3245	269	13	are	be	AUX
fsr-3245	269	14	mitigated	mitigate	VERB
fsr-3245	269	15	.	.	PUNCT
fsr-3245	270	1	finally	finally	ADV
fsr-3245	270	2	,	,	PUNCT
fsr-3245	270	3	the	the	DET
fsr-3245	270	4	third	third	ADJ
fsr-3245	270	5	hypothesis	hypothesis	NOUN
fsr-3245	270	6	investigates	investigate	VERB
fsr-3245	270	7	the	the	DET
fsr-3245	270	8	impact	impact	NOUN
fsr-3245	270	9	of	of	ADP
fsr-3245	270	10	tp	tp	NOUN
fsr-3245	270	11	on	on	ADP
fsr-3245	270	12	the	the	DET
fsr-3245	270	13	decision	decision	NOUN
fsr-3245	270	14	-	-	PUNCT
fsr-3245	270	15	making	making	NOUN
fsr-3245	270	16	of	of	ADP
fsr-3245	270	17	professional	professional	ADJ
fsr-3245	270	18	financial	financial	ADJ
fsr-3245	270	19	advisors	advisor	NOUN
fsr-3245	270	20	.	.	PUNCT
fsr-3245	271	1	prior	prior	ADJ
fsr-3245	271	2	research	research	NOUN
fsr-3245	271	3	has	have	AUX
fsr-3245	271	4	often	often	ADV
fsr-3245	271	5	found	find	VERB
fsr-3245	271	6	a	a	DET
fsr-3245	271	7	link	link	NOUN
fsr-3245	271	8	between	between	ADP
fsr-3245	271	9	tp	tp	NOUN
fsr-3245	271	10	and	and	CCONJ
fsr-3245	271	11	behavior	behavior	NOUN
fsr-3245	271	12	in	in	ADP
fsr-3245	271	13	a	a	DET
fsr-3245	271	14	variety	variety	NOUN
fsr-3245	271	15	of	of	ADP
fsr-3245	271	16	personal	personal	ADJ
fsr-3245	271	17	decision	decision	NOUN
fsr-3245	271	18	-	-	PUNCT
fsr-3245	271	19	making	make	VERB
fsr-3245	271	20	contexts	context	NOUN
fsr-3245	271	21	.	.	PUNCT
fsr-3245	272	1	however	however	ADV
fsr-3245	272	2	,	,	PUNCT
fsr-3245	272	3	there	there	PRON
fsr-3245	272	4	is	be	VERB
fsr-3245	272	5	a	a	DET
fsr-3245	272	6	lack	lack	NOUN
fsr-3245	272	7	of	of	ADP
fsr-3245	272	8	research	research	NOUN
fsr-3245	272	9	examining	examine	VERB
fsr-3245	272	10	the	the	DET
fsr-3245	272	11	effect	effect	NOUN
fsr-3245	272	12	of	of	ADP
fsr-3245	272	13	tp	tp	NOUN
fsr-3245	272	14	in	in	ADP
fsr-3245	272	15	professional	professional	ADJ
fsr-3245	272	16	decision	decision	NOUN
fsr-3245	272	17	-	-	PUNCT
fsr-3245	272	18	making	make	VERB
fsr-3245	272	19	contexts	contexts	NOUN
fsr-3245	272	20	.	.	PUNCT
fsr-3245	273	1	the	the	DET
fsr-3245	273	2	finding	finding	NOUN
fsr-3245	273	3	that	that	SCONJ
fsr-3245	273	4	financial	financial	ADJ
fsr-3245	273	5	planners	planner	NOUN
fsr-3245	273	6	tend	tend	VERB
fsr-3245	273	7	to	to	PART
fsr-3245	273	8	be	be	AUX
fsr-3245	273	9	future	future	ADV
fsr-3245	273	10	oriented	orient	VERB
fsr-3245	273	11	as	as	ADP
fsr-3245	273	12	a	a	DET
fsr-3245	273	13	group	group	NOUN
fsr-3245	273	14	suggests	suggest	VERB
fsr-3245	273	15	that	that	SCONJ
fsr-3245	273	16	their	their	PRON
fsr-3245	273	17	future	future	ADJ
fsr-3245	273	18	orientation	orientation	NOUN
fsr-3245	273	19	may	may	AUX
fsr-3245	273	20	have	have	AUX
fsr-3245	273	21	been	be	AUX
fsr-3245	273	22	a	a	DET
fsr-3245	273	23	factor	factor	NOUN
fsr-3245	273	24	in	in	ADP
fsr-3245	273	25	their	their	PRON
fsr-3245	273	26	decision	decision	NOUN
fsr-3245	273	27	to	to	PART
fsr-3245	273	28	select	select	VERB
fsr-3245	273	29	a	a	DET
fsr-3245	273	30	career	career	NOUN
fsr-3245	273	31	in	in	ADP
fsr-3245	273	32	personal	personal	ADJ
fsr-3245	273	33	financial	financial	ADJ
fsr-3245	273	34	planning	planning	NOUN
fsr-3245	273	35	.	.	PUNCT
fsr-3245	274	1	however	however	ADV
fsr-3245	274	2	,	,	PUNCT
fsr-3245	274	3	selection	selection	NOUN
fsr-3245	274	4	of	of	ADP
fsr-3245	274	5	an	an	DET
fsr-3245	274	6	occupation	occupation	NOUN
fsr-3245	274	7	is	be	AUX
fsr-3245	274	8	a	a	DET
fsr-3245	274	9	personal	personal	ADJ
fsr-3245	274	10	decision	decision	NOUN
fsr-3245	274	11	context	context	NOUN
fsr-3245	274	12	.	.	PUNCT
fsr-3245	275	1	i	i	PRON
fsr-3245	275	2	test	test	VERB
fsr-3245	275	3	the	the	DET
fsr-3245	275	4	impact	impact	NOUN
fsr-3245	275	5	of	of	ADP
fsr-3245	275	6	tp	tp	NOUN
fsr-3245	275	7	on	on	ADP
fsr-3245	275	8	professional	professional	ADJ
fsr-3245	275	9	decision	decision	NOUN
fsr-3245	275	10	-	-	PUNCT
fsr-3245	275	11	making	making	NOUN
fsr-3245	275	12	by	by	ADP
fsr-3245	275	13	examining	examine	VERB
fsr-3245	275	14	the	the	DET
fsr-3245	275	15	job	job	NOUN
fsr-3245	275	16	-	-	PUNCT
fsr-3245	275	17	related	relate	VERB
fsr-3245	275	18	decisions	decision	NOUN
fsr-3245	275	19	(	(	PUNCT
fsr-3245	275	20	i.e.	i.e.	X
fsr-3245	275	21	,	,	PUNCT
fsr-3245	275	22	client	client	NOUN
fsr-3245	275	23	recommendations	recommendation	NOUN
fsr-3245	275	24	)	)	PUNCT
fsr-3245	275	25	that	that	SCONJ
fsr-3245	275	26	the	the	DET
fsr-3245	275	27	financial	financial	ADJ
fsr-3245	275	28	advisors	advisor	NOUN
fsr-3245	275	29	make	make	VERB
fsr-3245	275	30	.	.	PUNCT
fsr-3245	276	1	while	while	SCONJ
fsr-3245	276	2	the	the	DET
fsr-3245	276	3	planners	planner	NOUN
fsr-3245	276	4	are	be	AUX
fsr-3245	276	5	generally	generally	ADV
fsr-3245	276	6	future	future	ADJ
fsr-3245	276	7	oriented	orient	VERB
fsr-3245	276	8	,	,	PUNCT
fsr-3245	276	9	they	they	PRON
fsr-3245	276	10	do	do	AUX
fsr-3245	276	11	not	not	PART
fsr-3245	276	12	consistently	consistently	ADV
fsr-3245	276	13	choose	choose	VERB
fsr-3245	276	14	the	the	DET
fsr-3245	276	15	more	more	ADV
fsr-3245	276	16	future	future	ADJ
fsr-3245	276	17	oriented	orient	VERB
fsr-3245	276	18	planning	planning	NOUN
fsr-3245	276	19	option	option	NOUN
fsr-3245	276	20	.	.	PUNCT
fsr-3245	277	1	instead	instead	ADV
fsr-3245	277	2	,	,	PUNCT
fsr-3245	277	3	their	their	PRON
fsr-3245	277	4	choices	choice	NOUN
fsr-3245	277	5	appear	appear	VERB
fsr-3245	277	6	to	to	PART
fsr-3245	277	7	be	be	AUX
fsr-3245	277	8	driven	drive	VERB
fsr-3245	277	9	by	by	ADP
fsr-3245	277	10	the	the	DET
fsr-3245	277	11	characteristics	characteristic	NOUN
fsr-3245	277	12	of	of	ADP
fsr-3245	277	13	the	the	DET
fsr-3245	277	14	task	task	NOUN
fsr-3245	277	15	.	.	PUNCT
fsr-3245	278	1	these	these	DET
fsr-3245	278	2	findings	finding	NOUN
fsr-3245	278	3	are	be	AUX
fsr-3245	278	4	positive	positive	ADJ
fsr-3245	278	5	given	give	VERB
fsr-3245	278	6	that	that	SCONJ
fsr-3245	278	7	financial	financial	ADJ
fsr-3245	278	8	planning	planning	NOUN
fsr-3245	278	9	strategies	strategy	NOUN
fsr-3245	278	10	need	need	VERB
fsr-3245	278	11	to	to	PART
fsr-3245	278	12	be	be	AUX
fsr-3245	278	13	customized	customize	VERB
fsr-3245	278	14	to	to	ADP
fsr-3245	278	15	an	an	DET
fsr-3245	278	16	individual	individual	ADJ
fsr-3245	278	17	client	client	NOUN
fsr-3245	278	18	’s	’s	PART
fsr-3245	278	19	goals	goal	NOUN
fsr-3245	278	20	,	,	PUNCT
fsr-3245	278	21	where	where	SCONJ
fsr-3245	278	22	the	the	DET
fsr-3245	278	23	most	most	ADV
fsr-3245	278	24	future	future	ADJ
fsr-3245	278	25	oriented	orient	VERB
fsr-3245	278	26	strategy	strategy	NOUN
fsr-3245	278	27	may	may	AUX
fsr-3245	278	28	not	not	PART
fsr-3245	278	29	always	always	ADV
fsr-3245	278	30	be	be	AUX
fsr-3245	278	31	appropriate	appropriate	ADJ
fsr-3245	278	32	.	.	PUNCT
fsr-3245	279	1	in	in	ADP
fsr-3245	279	2	general	general	ADJ
fsr-3245	279	3	,	,	PUNCT
fsr-3245	279	4	the	the	DET
fsr-3245	279	5	results	result	NOUN
fsr-3245	279	6	suggest	suggest	VERB
fsr-3245	279	7	that	that	SCONJ
fsr-3245	279	8	task	task	NOUN
fsr-3245	279	9	characteristics	characteristic	NOUN
fsr-3245	279	10	may	may	AUX
fsr-3245	279	11	be	be	AUX
fsr-3245	279	12	more	more	ADV
fsr-3245	279	13	important	important	ADJ
fsr-3245	279	14	than	than	ADP
fsr-3245	279	15	individual	individual	ADJ
fsr-3245	279	16	tp	tp	ADP
fsr-3245	279	17	biases	bias	NOUN
fsr-3245	279	18	in	in	ADP
fsr-3245	279	19	the	the	DET
fsr-3245	279	20	financial	financial	ADJ
fsr-3245	279	21	decisions	decision	NOUN
fsr-3245	279	22	made	make	VERB
fsr-3245	279	23	by	by	ADP
fsr-3245	279	24	professional	professional	ADJ
fsr-3245	279	25	advisors	advisor	NOUN
fsr-3245	279	26	.	.	PUNCT
fsr-3245	280	1	these	these	DET
fsr-3245	280	2	findings	finding	NOUN
fsr-3245	280	3	are	be	AUX
fsr-3245	280	4	consistent	consistent	ADJ
fsr-3245	280	5	with	with	ADP
fsr-3245	280	6	the	the	DET
fsr-3245	280	7	literature	literature	NOUN
fsr-3245	280	8	that	that	PRON
fsr-3245	280	9	points	point	VERB
fsr-3245	280	10	to	to	ADP
fsr-3245	280	11	the	the	DET
fsr-3245	280	12	importance	importance	NOUN
fsr-3245	280	13	of	of	ADP
fsr-3245	280	14	task	task	NOUN
fsr-3245	280	15	characteristics	characteristic	NOUN
fsr-3245	280	16	on	on	ADP
fsr-3245	280	17	decision	decision	NOUN
fsr-3245	280	18	-	-	PUNCT
fsr-3245	280	19	making	making	NOUN
fsr-3245	280	20	(	(	PUNCT
fsr-3245	280	21	e.g.	e.g.	ADJ
fsr-3245	280	22	,	,	PUNCT
fsr-3245	280	23	beach	beach	NOUN
fsr-3245	280	24	and	and	CCONJ
fsr-3245	280	25	mitchell	mitchell	PROPN
fsr-3245	280	26	,	,	PUNCT
fsr-3245	280	27	1978	1978	NUM
fsr-3245	280	28	;	;	PUNCT
fsr-3245	280	29	chervany	chervany	NOUN
fsr-3245	280	30	and	and	CCONJ
fsr-3245	280	31	dickson	dickson	PROPN
fsr-3245	280	32	,	,	PUNCT
fsr-3245	280	33	1978	1978	NUM
fsr-3245	280	34	;	;	PUNCT
fsr-3245	280	35	huber	huber	PROPN
fsr-3245	280	36	,	,	PUNCT
fsr-3245	280	37	1983	1983	NUM
fsr-3245	280	38	;	;	PUNCT
fsr-3245	280	39	payne	payne	PROPN
fsr-3245	280	40	,	,	PUNCT
fsr-3245	280	41	1982	1982	NUM
fsr-3245	280	42	;	;	PUNCT
fsr-3245	280	43	payne	payne	PROPN
fsr-3245	280	44	et	et	PROPN
fsr-3245	280	45	al	al	PROPN
fsr-3245	280	46	.	.	PROPN
fsr-3245	280	47	,	,	PUNCT
fsr-3245	280	48	1992	1992	NUM
fsr-3245	280	49	)	)	PUNCT
fsr-3245	280	50	.	.	PUNCT
fsr-3245	281	1	the	the	DET
fsr-3245	281	2	results	result	NOUN
fsr-3245	281	3	are	be	AUX
fsr-3245	281	4	also	also	ADV
fsr-3245	281	5	402	402	NUM
fsr-3245	281	6	k.n	k.n	PROPN
fsr-3245	281	7	.	.	PROPN
fsr-3245	281	8	ryack	ryack	PROPN
fsr-3245	281	9	/	/	SYM
fsr-3245	281	10	financial	financial	ADJ
fsr-3245	281	11	services	service	NOUN
fsr-3245	281	12	review	review	VERB
fsr-3245	281	13	24	24	NUM
fsr-3245	281	14	(	(	PUNCT
fsr-3245	281	15	2015	2015	NUM
fsr-3245	281	16	)	)	PUNCT
fsr-3245	281	17	387–410	387–410	NUM
fsr-3245	281	18	in	in	ADP
fsr-3245	281	19	line	line	NOUN
fsr-3245	281	20	with	with	ADP
fsr-3245	281	21	prior	prior	ADJ
fsr-3245	281	22	research	research	NOUN
fsr-3245	281	23	which	which	PRON
fsr-3245	281	24	demonstrates	demonstrate	VERB
fsr-3245	281	25	that	that	SCONJ
fsr-3245	281	26	judgment	judgment	NOUN
fsr-3245	281	27	biases	bias	NOUN
fsr-3245	281	28	may	may	AUX
fsr-3245	281	29	be	be	AUX
fsr-3245	281	30	mitigated	mitigate	VERB
fsr-3245	281	31	when	when	SCONJ
fsr-3245	281	32	experienced	experienced	ADJ
fsr-3245	281	33	decision	decision	NOUN
fsr-3245	281	34	makers	maker	NOUN
fsr-3245	281	35	perform	perform	VERB
fsr-3245	281	36	job	job	NOUN
fsr-3245	281	37	-	-	PUNCT
fsr-3245	281	38	related	relate	VERB
fsr-3245	281	39	tasks	task	NOUN
fsr-3245	281	40	(	(	PUNCT
fsr-3245	281	41	berkeley	berkeley	NOUN
fsr-3245	281	42	and	and	CCONJ
fsr-3245	281	43	humphreys	humphreys	PROPN
fsr-3245	281	44	,	,	PUNCT
fsr-3245	281	45	1982	1982	NUM
fsr-3245	281	46	;	;	PUNCT
fsr-3245	281	47	ebbesen	ebbesen	NOUN
fsr-3245	281	48	and	and	CCONJ
fsr-3245	281	49	konecni	konecni	NOUN
fsr-3245	281	50	,	,	PUNCT
fsr-3245	281	51	1980	1980	NUM
fsr-3245	281	52	;	;	PUNCT
fsr-3245	281	53	edwards	edwards	PROPN
fsr-3245	281	54	,	,	PUNCT
fsr-3245	281	55	1983	1983	NUM
fsr-3245	281	56	;	;	PUNCT
fsr-3245	281	57	einhorn	einhorn	PROPN
fsr-3245	281	58	,	,	PUNCT
fsr-3245	281	59	1976	1976	NUM
fsr-3245	281	60	;	;	PUNCT
fsr-3245	281	61	fischoff	fischoff	NOUN
fsr-3245	281	62	,	,	PUNCT
fsr-3245	281	63	1982	1982	NUM
fsr-3245	281	64	,	,	PUNCT
fsr-3245	281	65	1987	1987	NUM
fsr-3245	281	66	;	;	PUNCT
fsr-3245	281	67	funder	funder	NOUN
fsr-3245	281	68	,	,	PUNCT
fsr-3245	281	69	1987	1987	NUM
fsr-3245	281	70	;	;	PUNCT
fsr-3245	281	71	hogarth	hogarth	NOUN
fsr-3245	281	72	,	,	PUNCT
fsr-3245	281	73	1981	1981	NUM
fsr-3245	281	74	;	;	PUNCT
fsr-3245	282	1	kida	kida	PROPN
fsr-3245	282	2	et	et	PROPN
fsr-3245	282	3	al	al	PROPN
fsr-3245	282	4	.	.	PROPN
fsr-3245	282	5	,	,	PUNCT
fsr-3245	282	6	2010	2010	NUM
fsr-3245	282	7	;	;	PUNCT
fsr-3245	282	8	smith	smith	PROPN
fsr-3245	282	9	and	and	CCONJ
fsr-3245	282	10	kida	kida	PROPN
fsr-3245	282	11	,	,	PUNCT
fsr-3245	282	12	1991	1991	NUM
fsr-3245	282	13	)	)	PUNCT
fsr-3245	282	14	.	.	PUNCT
fsr-3245	283	1	some	some	DET
fsr-3245	283	2	limitations	limitation	NOUN
fsr-3245	283	3	should	should	AUX
fsr-3245	283	4	be	be	AUX
fsr-3245	283	5	considered	consider	VERB
fsr-3245	283	6	when	when	SCONJ
fsr-3245	283	7	evaluating	evaluate	VERB
fsr-3245	283	8	the	the	DET
fsr-3245	283	9	results	result	NOUN
fsr-3245	283	10	of	of	ADP
fsr-3245	283	11	this	this	DET
fsr-3245	283	12	study	study	NOUN
fsr-3245	283	13	.	.	PUNCT
fsr-3245	284	1	first	first	ADV
fsr-3245	284	2	,	,	PUNCT
fsr-3245	284	3	the	the	DET
fsr-3245	284	4	ability	ability	NOUN
fsr-3245	284	5	to	to	PART
fsr-3245	284	6	generalize	generalize	VERB
fsr-3245	284	7	these	these	DET
fsr-3245	284	8	results	result	NOUN
fsr-3245	284	9	to	to	ADP
fsr-3245	284	10	the	the	DET
fsr-3245	284	11	entire	entire	ADJ
fsr-3245	284	12	population	population	NOUN
fsr-3245	284	13	of	of	ADP
fsr-3245	284	14	financial	financial	ADJ
fsr-3245	284	15	planners	planner	NOUN
fsr-3245	284	16	is	be	AUX
fsr-3245	284	17	limited	limit	VERB
fsr-3245	284	18	because	because	SCONJ
fsr-3245	284	19	i	i	PRON
fsr-3245	284	20	used	use	VERB
fsr-3245	284	21	a	a	DET
fsr-3245	284	22	convenience	convenience	NOUN
fsr-3245	284	23	sample	sample	NOUN
fsr-3245	284	24	and	and	CCONJ
fsr-3245	284	25	because	because	SCONJ
fsr-3245	284	26	all	all	PRON
fsr-3245	284	27	of	of	ADP
fsr-3245	284	28	the	the	DET
fsr-3245	284	29	participants	participant	NOUN
fsr-3245	284	30	held	hold	VERB
fsr-3245	284	31	the	the	DET
fsr-3245	284	32	cfp	cfp	PROPN
fsr-3245	284	33	®	®	NOUN
fsr-3245	284	34	certification	certification	NOUN
fsr-3245	284	35	.	.	PUNCT
fsr-3245	285	1	there	there	PRON
fsr-3245	285	2	are	be	VERB
fsr-3245	285	3	many	many	ADJ
fsr-3245	285	4	other	other	ADJ
fsr-3245	285	5	professionals	professional	NOUN
fsr-3245	285	6	in	in	ADP
fsr-3245	285	7	the	the	DET
fsr-3245	285	8	practice	practice	NOUN
fsr-3245	285	9	of	of	ADP
fsr-3245	285	10	financial	financial	ADJ
fsr-3245	285	11	planning	planning	NOUN
fsr-3245	285	12	who	who	PRON
fsr-3245	285	13	do	do	AUX
fsr-3245	285	14	not	not	PART
fsr-3245	285	15	hold	hold	VERB
fsr-3245	285	16	the	the	DET
fsr-3245	285	17	cfp	cfp	PROPN
fsr-3245	285	18	®	®	NOUN
fsr-3245	285	19	certification	certification	NOUN
fsr-3245	285	20	.	.	PUNCT
fsr-3245	286	1	in	in	ADP
fsr-3245	286	2	order	order	NOUN
fsr-3245	286	3	to	to	PART
fsr-3245	286	4	obtain	obtain	VERB
fsr-3245	286	5	certification	certification	NOUN
fsr-3245	286	6	,	,	PUNCT
fsr-3245	286	7	a	a	DET
fsr-3245	286	8	candidate	candidate	NOUN
fsr-3245	286	9	must	must	AUX
fsr-3245	286	10	meet	meet	VERB
fsr-3245	286	11	specific	specific	ADJ
fsr-3245	286	12	educational	educational	ADJ
fsr-3245	286	13	requirements	requirement	NOUN
fsr-3245	286	14	,	,	PUNCT
fsr-3245	286	15	pass	pass	VERB
fsr-3245	286	16	a	a	DET
fsr-3245	286	17	standardized	standardized	ADJ
fsr-3245	286	18	exam	exam	NOUN
fsr-3245	286	19	,	,	PUNCT
fsr-3245	286	20	meet	meet	VERB
fsr-3245	286	21	experience	experience	NOUN
fsr-3245	286	22	requirements	requirement	NOUN
fsr-3245	286	23	,	,	PUNCT
fsr-3245	286	24	and	and	CCONJ
fsr-3245	286	25	agree	agree	VERB
fsr-3245	286	26	to	to	PART
fsr-3245	286	27	abide	abide	VERB
fsr-3245	286	28	by	by	ADP
fsr-3245	286	29	a	a	DET
fsr-3245	286	30	set	set	NOUN
fsr-3245	286	31	of	of	ADP
fsr-3245	286	32	ethical	ethical	ADJ
fsr-3245	286	33	standards	standard	NOUN
fsr-3245	286	34	and	and	CCONJ
fsr-3245	286	35	practice	practice	NOUN
fsr-3245	286	36	standards	standard	NOUN
fsr-3245	286	37	.	.	PUNCT
fsr-3245	287	1	these	these	DET
fsr-3245	287	2	requirements	requirement	NOUN
fsr-3245	287	3	may	may	AUX
fsr-3245	287	4	act	act	VERB
fsr-3245	287	5	to	to	PART
fsr-3245	287	6	mitigate	mitigate	VERB
fsr-3245	287	7	any	any	DET
fsr-3245	287	8	differences	difference	NOUN
fsr-3245	287	9	between	between	ADP
fsr-3245	287	10	planners	planner	NOUN
fsr-3245	287	11	due	due	ADP
fsr-3245	287	12	to	to	ADP
fsr-3245	287	13	their	their	PRON
fsr-3245	287	14	different	different	ADJ
fsr-3245	287	15	professional	professional	ADJ
fsr-3245	287	16	backgrounds	background	NOUN
fsr-3245	287	17	.	.	PUNCT
fsr-3245	288	1	thus	thus	ADV
fsr-3245	288	2	,	,	PUNCT
fsr-3245	288	3	future	future	ADJ
fsr-3245	288	4	research	research	NOUN
fsr-3245	288	5	might	might	AUX
fsr-3245	288	6	examine	examine	VERB
fsr-3245	288	7	the	the	DET
fsr-3245	288	8	tp	tp	NOUN
fsr-3245	288	9	and	and	CCONJ
fsr-3245	288	10	decision	decision	NOUN
fsr-3245	288	11	-	-	PUNCT
fsr-3245	288	12	making	making	NOUN
fsr-3245	288	13	of	of	ADP
fsr-3245	288	14	financial	financial	ADJ
fsr-3245	288	15	advisors	advisor	NOUN
fsr-3245	288	16	not	not	PART
fsr-3245	288	17	holding	hold	VERB
fsr-3245	288	18	the	the	DET
fsr-3245	288	19	cfp	cfp	PROPN
fsr-3245	288	20	®	®	NOUN
fsr-3245	288	21	certification	certification	NOUN
fsr-3245	288	22	.	.	PUNCT
fsr-3245	289	1	the	the	DET
fsr-3245	289	2	results	result	NOUN
fsr-3245	289	3	do	do	AUX
fsr-3245	289	4	provide	provide	VERB
fsr-3245	289	5	support	support	NOUN
fsr-3245	289	6	for	for	ADP
fsr-3245	289	7	the	the	DET
fsr-3245	289	8	theory	theory	NOUN
fsr-3245	289	9	that	that	SCONJ
fsr-3245	289	10	there	there	PRON
fsr-3245	289	11	is	be	VERB
fsr-3245	289	12	a	a	DET
fsr-3245	289	13	link	link	NOUN
fsr-3245	289	14	between	between	ADP
fsr-3245	289	15	an	an	DET
fsr-3245	289	16	individual	individual	NOUN
fsr-3245	289	17	’s	’s	PART
fsr-3245	289	18	tp	tp	NOUN
fsr-3245	289	19	and	and	CCONJ
fsr-3245	289	20	their	their	PRON
fsr-3245	289	21	career	career	NOUN
fsr-3245	289	22	choice	choice	NOUN
fsr-3245	289	23	because	because	SCONJ
fsr-3245	289	24	the	the	DET
fsr-3245	289	25	financial	financial	ADJ
fsr-3245	289	26	planners	planner	NOUN
fsr-3245	289	27	tended	tend	VERB
fsr-3245	289	28	to	to	PART
fsr-3245	289	29	be	be	AUX
fsr-3245	289	30	future	future	ADV
fsr-3245	289	31	oriented	orient	VERB
fsr-3245	289	32	as	as	ADP
fsr-3245	289	33	a	a	DET
fsr-3245	289	34	group	group	NOUN
fsr-3245	289	35	.	.	PUNCT
fsr-3245	290	1	however	however	ADV
fsr-3245	290	2	,	,	PUNCT
fsr-3245	290	3	i	i	PRON
fsr-3245	290	4	was	be	AUX
fsr-3245	290	5	not	not	PART
fsr-3245	290	6	able	able	ADJ
fsr-3245	290	7	to	to	PART
fsr-3245	290	8	examine	examine	VERB
fsr-3245	290	9	whether	whether	SCONJ
fsr-3245	290	10	an	an	DET
fsr-3245	290	11	individual	individual	NOUN
fsr-3245	290	12	’s	’s	PART
fsr-3245	290	13	tp	tp	NOUN
fsr-3245	290	14	bias	bias	NOUN
fsr-3245	290	15	is	be	AUX
fsr-3245	290	16	intensified	intensify	VERB
fsr-3245	290	17	with	with	ADP
fsr-3245	290	18	experience	experience	NOUN
fsr-3245	290	19	in	in	ADP
fsr-3245	290	20	the	the	DET
fsr-3245	290	21	profession	profession	NOUN
fsr-3245	290	22	as	as	SCONJ
fsr-3245	290	23	suggested	suggest	VERB
fsr-3245	290	24	by	by	ADP
fsr-3245	290	25	gonzalez	gonzalez	PROPN
fsr-3245	290	26	and	and	CCONJ
fsr-3245	290	27	zimbardo	zimbardo	PROPN
fsr-3245	290	28	(	(	PUNCT
fsr-3245	290	29	1985	1985	NUM
fsr-3245	290	30	)	)	PUNCT
fsr-3245	290	31	.	.	PUNCT
fsr-3245	291	1	future	future	ADJ
fsr-3245	291	2	research	research	NOUN
fsr-3245	291	3	could	could	AUX
fsr-3245	291	4	examine	examine	VERB
fsr-3245	291	5	this	this	DET
fsr-3245	291	6	possibility	possibility	NOUN
fsr-3245	291	7	.	.	PUNCT
fsr-3245	292	1	finally	finally	ADV
fsr-3245	292	2	,	,	PUNCT
fsr-3245	292	3	this	this	DET
fsr-3245	292	4	study	study	NOUN
fsr-3245	292	5	only	only	ADV
fsr-3245	292	6	examines	examine	VERB
fsr-3245	292	7	the	the	DET
fsr-3245	292	8	role	role	NOUN
fsr-3245	292	9	of	of	ADP
fsr-3245	292	10	the	the	DET
fsr-3245	292	11	advisor	advisor	NOUN
fsr-3245	292	12	in	in	ADP
fsr-3245	292	13	financial	financial	ADJ
fsr-3245	292	14	planning	planning	NOUN
fsr-3245	292	15	.	.	PUNCT
fsr-3245	293	1	however	however	ADV
fsr-3245	293	2	,	,	PUNCT
fsr-3245	293	3	financial	financial	ADJ
fsr-3245	293	4	planning	planning	NOUN
fsr-3245	293	5	is	be	AUX
fsr-3245	293	6	an	an	DET
fsr-3245	293	7	interactive	interactive	ADJ
fsr-3245	293	8	process	process	NOUN
fsr-3245	293	9	between	between	ADP
fsr-3245	293	10	the	the	DET
fsr-3245	293	11	advisor	advisor	NOUN
fsr-3245	293	12	and	and	CCONJ
fsr-3245	293	13	the	the	DET
fsr-3245	293	14	client	client	NOUN
fsr-3245	293	15	.	.	PUNCT
fsr-3245	294	1	while	while	SCONJ
fsr-3245	294	2	i	i	PRON
fsr-3245	294	3	do	do	AUX
fsr-3245	294	4	not	not	PART
fsr-3245	294	5	find	find	VERB
fsr-3245	294	6	that	that	SCONJ
fsr-3245	294	7	the	the	DET
fsr-3245	294	8	planners	planner	NOUN
fsr-3245	294	9	’	'	PUNCT
fsr-3245	294	10	tp	tp	PART
fsr-3245	294	11	affect	affect	VERB
fsr-3245	294	12	their	their	PRON
fsr-3245	294	13	professional	professional	ADJ
fsr-3245	294	14	decisions	decision	NOUN
fsr-3245	294	15	(	(	PUNCT
fsr-3245	294	16	i.e.	i.e.	X
fsr-3245	294	17	,	,	PUNCT
fsr-3245	294	18	recommendations	recommendation	NOUN
fsr-3245	294	19	to	to	ADP
fsr-3245	294	20	clients	client	NOUN
fsr-3245	294	21	)	)	PUNCT
fsr-3245	294	22	,	,	PUNCT
fsr-3245	294	23	it	it	PRON
fsr-3245	294	24	is	be	AUX
fsr-3245	294	25	possible	possible	ADJ
fsr-3245	294	26	that	that	SCONJ
fsr-3245	294	27	the	the	DET
fsr-3245	294	28	client	client	NOUN
fsr-3245	294	29	’s	’s	PART
fsr-3245	294	30	tp	tp	NOUN
fsr-3245	294	31	may	may	AUX
fsr-3245	294	32	have	have	VERB
fsr-3245	294	33	a	a	DET
fsr-3245	294	34	significant	significant	ADJ
fsr-3245	294	35	impact	impact	NOUN
fsr-3245	294	36	on	on	ADP
fsr-3245	294	37	their	their	PRON
fsr-3245	294	38	personal	personal	ADJ
fsr-3245	294	39	financial	financial	ADJ
fsr-3245	294	40	decisions	decision	NOUN
fsr-3245	294	41	.	.	PUNCT
fsr-3245	295	1	for	for	ADP
fsr-3245	295	2	example	example	NOUN
fsr-3245	295	3	,	,	PUNCT
fsr-3245	295	4	tp	tp	NOUN
fsr-3245	295	5	could	could	AUX
fsr-3245	295	6	affect	affect	VERB
fsr-3245	295	7	a	a	DET
fsr-3245	295	8	client	client	NOUN
fsr-3245	295	9	’s	’s	PART
fsr-3245	295	10	financial	financial	ADJ
fsr-3245	295	11	risk	risk	NOUN
fsr-3245	295	12	tolerance	tolerance	NOUN
fsr-3245	295	13	,	,	PUNCT
fsr-3245	295	14	credit	credit	NOUN
fsr-3245	295	15	attitudes	attitude	NOUN
fsr-3245	295	16	,	,	PUNCT
fsr-3245	295	17	goals	goal	NOUN
fsr-3245	295	18	,	,	PUNCT
fsr-3245	295	19	priorities	priority	NOUN
fsr-3245	295	20	,	,	PUNCT
fsr-3245	295	21	and	and	CCONJ
fsr-3245	295	22	ability	ability	NOUN
fsr-3245	295	23	to	to	PART
fsr-3245	295	24	implement	implement	VERB
fsr-3245	295	25	their	their	PRON
fsr-3245	295	26	personal	personal	ADJ
fsr-3245	295	27	financial	financial	ADJ
fsr-3245	295	28	plan	plan	NOUN
fsr-3245	295	29	.	.	PUNCT
fsr-3245	296	1	thus	thus	ADV
fsr-3245	296	2	,	,	PUNCT
fsr-3245	296	3	future	future	ADJ
fsr-3245	296	4	research	research	NOUN
fsr-3245	296	5	could	could	AUX
fsr-3245	296	6	investigate	investigate	VERB
fsr-3245	296	7	the	the	DET
fsr-3245	296	8	impact	impact	NOUN
fsr-3245	296	9	of	of	ADP
fsr-3245	296	10	the	the	DET
fsr-3245	296	11	client	client	NOUN
fsr-3245	296	12	’s	’s	PART
fsr-3245	296	13	tp	tp	NOUN
fsr-3245	296	14	.	.	PUNCT
fsr-3245	297	1	acknowledgments	acknowledgment	NOUN
fsr-3245	297	2	i	i	PRON
fsr-3245	297	3	thank	thank	VERB
fsr-3245	297	4	tom	tom	PROPN
fsr-3245	297	5	kida	kida	PROPN
fsr-3245	297	6	,	,	PUNCT
fsr-3245	297	7	tom	tom	PROPN
fsr-3245	297	8	langdon	langdon	PROPN
fsr-3245	297	9	,	,	PUNCT
fsr-3245	297	10	tom	tom	PROPN
fsr-3245	297	11	brashear	brashear	PROPN
fsr-3245	297	12	-	-	PUNCT
fsr-3245	297	13	alejandro	alejandro	PROPN
fsr-3245	297	14	,	,	PUNCT
fsr-3245	297	15	jim	jim	PROPN
fsr-3245	297	16	smith	smith	PROPN
fsr-3245	297	17	,	,	PUNCT
fsr-3245	297	18	caren	caren	PROPN
fsr-3245	297	19	rotello	rotello	PROPN
fsr-3245	297	20	,	,	PUNCT
fsr-3245	297	21	pat	pat	PROPN
fsr-3245	297	22	o’neil	o’neil	PROPN
fsr-3245	297	23	,	,	PUNCT
fsr-3245	297	24	larry	larry	PROPN
fsr-3245	297	25	post	post	PROPN
fsr-3245	297	26	,	,	PUNCT
fsr-3245	297	27	john	john	PROPN
fsr-3245	297	28	napolitano	napolitano	PROPN
fsr-3245	297	29	,	,	PUNCT
fsr-3245	297	30	steve	steve	PROPN
fsr-3245	297	31	gill	gill	PROPN
fsr-3245	297	32	and	and	CCONJ
fsr-3245	297	33	officers	officer	NOUN
fsr-3245	297	34	of	of	ADP
fsr-3245	297	35	various	various	ADJ
fsr-3245	297	36	financial	financial	ADJ
fsr-3245	297	37	planning	planning	NOUN
fsr-3245	297	38	association	association	NOUN
fsr-3245	297	39	chapters	chapter	NOUN
fsr-3245	297	40	for	for	ADP
fsr-3245	297	41	their	their	PRON
fsr-3245	297	42	assistance	assistance	NOUN
fsr-3245	297	43	with	with	ADP
fsr-3245	297	44	this	this	DET
fsr-3245	297	45	research	research	NOUN
fsr-3245	297	46	.	.	PUNCT
fsr-3245	298	1	i	i	PRON
fsr-3245	298	2	also	also	ADV
fsr-3245	298	3	thank	thank	VERB
fsr-3245	298	4	two	two	NUM
fsr-3245	298	5	anonymous	anonymous	ADJ
fsr-3245	298	6	reviewers	reviewer	NOUN
fsr-3245	298	7	for	for	ADP
fsr-3245	298	8	their	their	PRON
fsr-3245	298	9	helpful	helpful	ADJ
fsr-3245	298	10	comments	comment	NOUN
fsr-3245	298	11	and	and	CCONJ
fsr-3245	298	12	suggestions	suggestion	NOUN
fsr-3245	298	13	.	.	PUNCT
fsr-3245	299	1	notes	note	NOUN
fsr-3245	299	2	1	1	NUM
fsr-3245	299	3	for	for	ADP
fsr-3245	299	4	example	example	NOUN
fsr-3245	299	5	,	,	PUNCT
fsr-3245	299	6	the	the	DET
fsr-3245	299	7	present	present	ADJ
fsr-3245	299	8	-	-	PUNCT
fsr-3245	299	9	fatalistic	fatalistic	ADJ
fsr-3245	299	10	dimension	dimension	NOUN
fsr-3245	299	11	is	be	AUX
fsr-3245	299	12	characterized	characterize	VERB
fsr-3245	299	13	by	by	ADP
fsr-3245	299	14	a	a	DET
fsr-3245	299	15	helpless	helpless	ADJ
fsr-3245	299	16	and	and	CCONJ
fsr-3245	299	17	hopeless	hopeless	ADJ
fsr-3245	299	18	attitude	attitude	NOUN
fsr-3245	299	19	toward	toward	ADP
fsr-3245	299	20	the	the	DET
fsr-3245	299	21	future	future	NOUN
fsr-3245	299	22	,	,	PUNCT
fsr-3245	299	23	the	the	DET
fsr-3245	299	24	past	past	ADJ
fsr-3245	299	25	-	-	PUNCT
fsr-3245	299	26	positive	positive	ADJ
fsr-3245	299	27	factor	factor	NOUN
fsr-3245	299	28	reflects	reflect	VERB
fsr-3245	299	29	a	a	DET
fsr-3245	299	30	glowing	glowing	ADJ
fsr-3245	299	31	or	or	CCONJ
fsr-3245	299	32	nostalgic	nostalgic	ADJ
fsr-3245	299	33	construction	construction	NOUN
fsr-3245	299	34	of	of	ADP
fsr-3245	299	35	the	the	DET
fsr-3245	299	36	past	past	NOUN
fsr-3245	299	37	,	,	PUNCT
fsr-3245	299	38	and	and	CCONJ
fsr-3245	299	39	the	the	DET
fsr-3245	299	40	past	past	ADJ
fsr-3245	299	41	-	-	PUNCT
fsr-3245	299	42	negative	negative	ADJ
fsr-3245	299	43	orientation	orientation	NOUN
fsr-3245	299	44	is	be	AUX
fsr-3245	299	45	associated	associate	VERB
fsr-3245	299	46	with	with	ADP
fsr-3245	299	47	depression	depression	NOUN
fsr-3245	299	48	,	,	PUNCT
fsr-3245	299	49	anxiety	anxiety	NOUN
fsr-3245	299	50	and	and	CCONJ
fsr-3245	299	51	low	low	ADJ
fsr-3245	299	52	self	self	NOUN
fsr-3245	299	53	-	-	PUNCT
fsr-3245	299	54	esteem	esteem	NOUN
fsr-3245	299	55	(	(	PUNCT
fsr-3245	299	56	zimbardo	zimbardo	NOUN
fsr-3245	299	57	and	and	CCONJ
fsr-3245	299	58	boyd	boyd	PROPN
fsr-3245	299	59	,	,	PUNCT
fsr-3245	299	60	1999	1999	NUM
fsr-3245	299	61	)	)	PUNCT
fsr-3245	299	62	.	.	PUNCT
fsr-3245	300	1	403k.n	403k.n	X
fsr-3245	300	2	.	.	PUNCT
fsr-3245	300	3	ryack	ryack	NOUN
fsr-3245	300	4	/	/	SYM
fsr-3245	300	5	financial	financial	ADJ
fsr-3245	300	6	services	service	NOUN
fsr-3245	300	7	review	review	VERB
fsr-3245	300	8	24	24	NUM
fsr-3245	300	9	(	(	PUNCT
fsr-3245	300	10	2015	2015	NUM
fsr-3245	300	11	)	)	PUNCT
fsr-3245	300	12	387–410	387–410	NUM
fsr-3245	300	13	appendix	appendix	VERB
fsr-3245	300	14	a	a	DET
fsr-3245	300	15	:	:	PUNCT
fsr-3245	300	16	financial	financial	ADJ
fsr-3245	300	17	planning	planning	NOUN
fsr-3245	300	18	cases	case	NOUN
fsr-3245	300	19	the	the	DET
fsr-3245	300	20	cases	case	NOUN
fsr-3245	300	21	below	below	ADV
fsr-3245	300	22	were	be	AUX
fsr-3245	300	23	designed	design	VERB
fsr-3245	300	24	with	with	ADP
fsr-3245	300	25	the	the	DET
fsr-3245	300	26	assistance	assistance	NOUN
fsr-3245	300	27	of	of	ADP
fsr-3245	300	28	a	a	DET
fsr-3245	300	29	former	former	ADJ
fsr-3245	300	30	chair	chair	NOUN
fsr-3245	300	31	of	of	ADP
fsr-3245	300	32	the	the	DET
fsr-3245	300	33	(	(	PUNCT
fsr-3245	300	34	cfp	cfp	PROPN
fsr-3245	300	35	®	®	PROPN
fsr-3245	300	36	)	)	PUNCT
fsr-3245	300	37	board	board	NOUN
fsr-3245	300	38	of	of	ADP
fsr-3245	300	39	examinations	examination	NOUN
fsr-3245	300	40	committee	committee	NOUN
fsr-3245	300	41	and	and	CCONJ
fsr-3245	300	42	reviewed	review	VERB
fsr-3245	300	43	by	by	ADP
fsr-3245	300	44	three	three	NUM
fsr-3245	300	45	expert	expert	ADJ
fsr-3245	300	46	planners	planner	NOUN
fsr-3245	300	47	.	.	PUNCT
fsr-3245	301	1	they	they	PRON
fsr-3245	301	2	all	all	PRON
fsr-3245	301	3	agreed	agree	VERB
fsr-3245	301	4	that	that	SCONJ
fsr-3245	301	5	the	the	DET
fsr-3245	301	6	cases	case	NOUN
fsr-3245	301	7	were	be	AUX
fsr-3245	301	8	realistic	realistic	ADJ
fsr-3245	301	9	and	and	CCONJ
fsr-3245	301	10	that	that	SCONJ
fsr-3245	301	11	one	one	NUM
fsr-3245	301	12	option	option	NOUN
fsr-3245	301	13	clearly	clearly	ADV
fsr-3245	301	14	contained	contain	VERB
fsr-3245	301	15	more	more	ADV
fsr-3245	301	16	present	present	ADJ
fsr-3245	301	17	benefits	benefit	NOUN
fsr-3245	301	18	while	while	SCONJ
fsr-3245	301	19	the	the	DET
fsr-3245	301	20	other	other	ADJ
fsr-3245	301	21	option	option	NOUN
fsr-3245	301	22	contained	contain	VERB
fsr-3245	301	23	more	more	ADJ
fsr-3245	301	24	future	future	ADJ
fsr-3245	301	25	benefits	benefit	NOUN
fsr-3245	301	26	.	.	PUNCT
fsr-3245	302	1	after	after	ADP
fsr-3245	302	2	reading	read	VERB
fsr-3245	302	3	each	each	DET
fsr-3245	302	4	case	case	NOUN
fsr-3245	302	5	,	,	PUNCT
fsr-3245	302	6	the	the	DET
fsr-3245	302	7	study	study	NOUN
fsr-3245	302	8	participants	participant	NOUN
fsr-3245	302	9	were	be	AUX
fsr-3245	302	10	asked	ask	VERB
fsr-3245	302	11	to	to	PART
fsr-3245	302	12	respond	respond	VERB
fsr-3245	302	13	to	to	ADP
fsr-3245	302	14	a	a	DET
fsr-3245	302	15	six	six	NUM
fsr-3245	302	16	point	point	NOUN
fsr-3245	302	17	scale	scale	NOUN
fsr-3245	302	18	that	that	PRON
fsr-3245	302	19	indicated	indicate	VERB
fsr-3245	302	20	his	his	PRON
fsr-3245	302	21	or	or	CCONJ
fsr-3245	302	22	her	her	PRON
fsr-3245	302	23	preference	preference	NOUN
fsr-3245	302	24	for	for	ADP
fsr-3245	302	25	one	one	NUM
fsr-3245	302	26	of	of	ADP
fsr-3245	302	27	the	the	DET
fsr-3245	302	28	alternatives	alternative	NOUN
fsr-3245	302	29	as	as	ADV
fsr-3245	302	30	well	well	ADV
fsr-3245	302	31	as	as	ADP
fsr-3245	302	32	their	their	PRON
fsr-3245	302	33	degree	degree	NOUN
fsr-3245	302	34	of	of	ADP
fsr-3245	302	35	preference	preference	NOUN
fsr-3245	302	36	.	.	PUNCT
fsr-3245	303	1	scale	scale	NOUN
fsr-3245	303	2	responses	response	VERB
fsr-3245	303	3	one	one	NOUN
fsr-3245	303	4	through	through	ADP
fsr-3245	303	5	three	three	NUM
fsr-3245	303	6	indicated	indicate	VERB
fsr-3245	303	7	a	a	DET
fsr-3245	303	8	preference	preference	NOUN
fsr-3245	303	9	for	for	ADP
fsr-3245	303	10	option	option	NOUN
fsr-3245	303	11	a	a	DET
fsr-3245	303	12	(	(	PUNCT
fsr-3245	303	13	1	1	NUM
fsr-3245	303	14	�	�	PROPN
fsr-3245	303	15	strong	strong	ADJ
fsr-3245	303	16	preference	preference	NOUN
fsr-3245	303	17	,	,	PUNCT
fsr-3245	303	18	2	2	NUM
fsr-3245	303	19	�	�	NOUN
fsr-3245	303	20	moderate	moderate	ADJ
fsr-3245	303	21	preference	preference	NOUN
fsr-3245	303	22	,	,	PUNCT
fsr-3245	303	23	3	3	NUM
fsr-3245	303	24	�	�	PROPN
fsr-3245	303	25	slight	slight	ADJ
fsr-3245	303	26	preference	preference	NOUN
fsr-3245	303	27	)	)	PUNCT
fsr-3245	303	28	,	,	PUNCT
fsr-3245	303	29	while	while	SCONJ
fsr-3245	303	30	four	four	NUM
fsr-3245	303	31	through	through	ADP
fsr-3245	303	32	six	six	NUM
fsr-3245	303	33	indicated	indicate	VERB
fsr-3245	303	34	a	a	DET
fsr-3245	303	35	preference	preference	NOUN
fsr-3245	303	36	for	for	ADP
fsr-3245	303	37	option	option	NOUN
fsr-3245	303	38	b	b	X
fsr-3245	303	39	(	(	PUNCT
fsr-3245	303	40	4	4	NUM
fsr-3245	303	41	�	�	PROPN
fsr-3245	303	42	slight	slight	ADJ
fsr-3245	303	43	preference	preference	NOUN
fsr-3245	303	44	,	,	PUNCT
fsr-3245	303	45	5	5	NUM
fsr-3245	303	46	�	�	PROPN
fsr-3245	303	47	moderate	moderate	ADJ
fsr-3245	303	48	preference	preference	NOUN
fsr-3245	303	49	,	,	PUNCT
fsr-3245	303	50	6	6	NUM
fsr-3245	303	51	�	�	NOUN
fsr-3245	303	52	strong	strong	ADJ
fsr-3245	303	53	preference	preference	NOUN
fsr-3245	303	54	)	)	PUNCT
fsr-3245	303	55	.	.	PUNCT
fsr-3245	304	1	case	case	NOUN
fsr-3245	304	2	1	1	NUM
fsr-3245	304	3	john	john	PROPN
fsr-3245	304	4	and	and	CCONJ
fsr-3245	304	5	mary	mary	PROPN
fsr-3245	304	6	parker	parker	PROPN
fsr-3245	304	7	are	be	AUX
fsr-3245	304	8	in	in	ADP
fsr-3245	304	9	their	their	PRON
fsr-3245	304	10	early	early	ADJ
fsr-3245	304	11	forties	forty	NOUN
fsr-3245	304	12	and	and	CCONJ
fsr-3245	304	13	have	have	AUX
fsr-3245	304	14	been	be	AUX
fsr-3245	304	15	financial	financial	ADJ
fsr-3245	304	16	planning	planning	NOUN
fsr-3245	304	17	clients	client	NOUN
fsr-3245	304	18	for	for	ADP
fsr-3245	304	19	a	a	DET
fsr-3245	304	20	number	number	NOUN
fsr-3245	304	21	of	of	ADP
fsr-3245	304	22	years	year	NOUN
fsr-3245	304	23	.	.	PUNCT
fsr-3245	305	1	their	their	PRON
fsr-3245	305	2	daughter	daughter	NOUN
fsr-3245	305	3	jessica	jessica	PROPN
fsr-3245	305	4	is	be	AUX
fsr-3245	305	5	finishing	finish	VERB
fsr-3245	305	6	her	her	PRON
fsr-3245	305	7	sophomore	sophomore	NOUN
fsr-3245	305	8	year	year	NOUN
fsr-3245	305	9	in	in	ADP
fsr-3245	305	10	college	college	NOUN
fsr-3245	305	11	and	and	CCONJ
fsr-3245	305	12	has	have	AUX
fsr-3245	305	13	recently	recently	ADV
fsr-3245	305	14	decided	decide	VERB
fsr-3245	305	15	to	to	PART
fsr-3245	305	16	transfer	transfer	VERB
fsr-3245	305	17	to	to	ADP
fsr-3245	305	18	another	another	DET
fsr-3245	305	19	college	college	NOUN
fsr-3245	305	20	for	for	ADP
fsr-3245	305	21	her	her	PRON
fsr-3245	305	22	junior	junior	ADJ
fsr-3245	305	23	and	and	CCONJ
fsr-3245	305	24	senior	senior	ADJ
fsr-3245	305	25	years	year	NOUN
fsr-3245	305	26	.	.	PUNCT
fsr-3245	306	1	tuition	tuition	NOUN
fsr-3245	306	2	and	and	CCONJ
fsr-3245	306	3	fees	fee	NOUN
fsr-3245	306	4	at	at	ADP
fsr-3245	306	5	the	the	DET
fsr-3245	306	6	new	new	ADJ
fsr-3245	306	7	school	school	NOUN
fsr-3245	306	8	are	be	AUX
fsr-3245	306	9	significantly	significantly	ADV
fsr-3245	306	10	higher	high	ADJ
fsr-3245	306	11	and	and	CCONJ
fsr-3245	306	12	the	the	DET
fsr-3245	306	13	college	college	NOUN
fsr-3245	306	14	funds	fund	NOUN
fsr-3245	306	15	set	set	VERB
fsr-3245	306	16	aside	aside	ADV
fsr-3245	306	17	by	by	ADP
fsr-3245	306	18	john	john	PROPN
fsr-3245	306	19	and	and	CCONJ
fsr-3245	306	20	mary	mary	PROPN
fsr-3245	306	21	are	be	AUX
fsr-3245	306	22	not	not	PART
fsr-3245	306	23	enough	enough	ADJ
fsr-3245	306	24	to	to	PART
fsr-3245	306	25	cover	cover	VERB
fsr-3245	306	26	the	the	DET
fsr-3245	306	27	difference	difference	NOUN
fsr-3245	306	28	.	.	PUNCT
fsr-3245	307	1	since	since	SCONJ
fsr-3245	307	2	jessica	jessica	PROPN
fsr-3245	307	3	is	be	AUX
fsr-3245	307	4	not	not	PART
fsr-3245	307	5	eligible	eligible	ADJ
fsr-3245	307	6	for	for	ADP
fsr-3245	307	7	any	any	DET
fsr-3245	307	8	additional	additional	ADJ
fsr-3245	307	9	financial	financial	ADJ
fsr-3245	307	10	aid	aid	NOUN
fsr-3245	307	11	,	,	PUNCT
fsr-3245	307	12	john	john	PROPN
fsr-3245	307	13	and	and	CCONJ
fsr-3245	307	14	mary	mary	PROPN
fsr-3245	307	15	have	have	AUX
fsr-3245	307	16	come	come	VERB
fsr-3245	307	17	to	to	ADP
fsr-3245	307	18	you	you	PRON
fsr-3245	307	19	for	for	ADP
fsr-3245	307	20	advice	advice	NOUN
fsr-3245	307	21	on	on	ADP
fsr-3245	307	22	the	the	DET
fsr-3245	307	23	best	good	ADJ
fsr-3245	307	24	way	way	NOUN
fsr-3245	307	25	to	to	PART
fsr-3245	307	26	fund	fund	VERB
fsr-3245	307	27	the	the	DET
fsr-3245	307	28	additional	additional	ADJ
fsr-3245	307	29	$	$	SYM
fsr-3245	307	30	14,000	14,000	NUM
fsr-3245	307	31	need	need	NOUN
fsr-3245	307	32	.	.	PUNCT
fsr-3245	308	1	you	you	PRON
fsr-3245	308	2	are	be	AUX
fsr-3245	308	3	considering	consider	VERB
fsr-3245	308	4	the	the	DET
fsr-3245	308	5	following	follow	VERB
fsr-3245	308	6	two	two	NUM
fsr-3245	308	7	options	option	NOUN
fsr-3245	308	8	,	,	PUNCT
fsr-3245	308	9	neither	neither	PRON
fsr-3245	308	10	of	of	ADP
fsr-3245	308	11	which	which	PRON
fsr-3245	308	12	will	will	AUX
fsr-3245	308	13	have	have	VERB
fsr-3245	308	14	a	a	DET
fsr-3245	308	15	significant	significant	ADJ
fsr-3245	308	16	impact	impact	NOUN
fsr-3245	308	17	on	on	ADP
fsr-3245	308	18	the	the	DET
fsr-3245	308	19	comprehensive	comprehensive	ADJ
fsr-3245	308	20	financial	financial	ADJ
fsr-3245	308	21	plan	plan	NOUN
fsr-3245	308	22	already	already	ADV
fsr-3245	308	23	in	in	ADP
fsr-3245	308	24	place	place	NOUN
fsr-3245	308	25	for	for	ADP
fsr-3245	308	26	the	the	DET
fsr-3245	308	27	parkers	parker	NOUN
fsr-3245	308	28	.	.	PUNCT
fsr-3245	309	1	option	option	NOUN
fsr-3245	309	2	a	a	DET
fsr-3245	309	3	john	john	PROPN
fsr-3245	309	4	and	and	CCONJ
fsr-3245	309	5	mary	mary	PROPN
fsr-3245	309	6	have	have	VERB
fsr-3245	309	7	an	an	DET
fsr-3245	309	8	available	available	ADJ
fsr-3245	309	9	balance	balance	NOUN
fsr-3245	309	10	of	of	ADP
fsr-3245	309	11	$	$	SYM
fsr-3245	309	12	25,000	25,000	NUM
fsr-3245	309	13	on	on	ADP
fsr-3245	309	14	an	an	DET
fsr-3245	309	15	unsecured	unsecured	ADJ
fsr-3245	309	16	bank	bank	NOUN
fsr-3245	309	17	line	line	NOUN
fsr-3245	309	18	of	of	ADP
fsr-3245	309	19	credit	credit	NOUN
fsr-3245	309	20	that	that	PRON
fsr-3245	309	21	they	they	PRON
fsr-3245	309	22	can	can	AUX
fsr-3245	309	23	draw	draw	VERB
fsr-3245	309	24	on	on	ADP
fsr-3245	309	25	to	to	PART
fsr-3245	309	26	pay	pay	VERB
fsr-3245	309	27	the	the	DET
fsr-3245	309	28	$	$	SYM
fsr-3245	309	29	14,000	14,000	NUM
fsr-3245	309	30	tuition	tuition	NOUN
fsr-3245	309	31	increase	increase	NOUN
fsr-3245	309	32	.	.	PUNCT
fsr-3245	310	1	since	since	SCONJ
fsr-3245	310	2	the	the	DET
fsr-3245	310	3	loan	loan	NOUN
fsr-3245	310	4	is	be	AUX
fsr-3245	310	5	unsecured	unsecured	ADJ
fsr-3245	310	6	,	,	PUNCT
fsr-3245	310	7	interest	interest	NOUN
fsr-3245	310	8	will	will	AUX
fsr-3245	310	9	not	not	PART
fsr-3245	310	10	be	be	AUX
fsr-3245	310	11	deductible	deductible	ADJ
fsr-3245	310	12	.	.	PUNCT
fsr-3245	311	1	they	they	PRON
fsr-3245	311	2	currently	currently	ADV
fsr-3245	311	3	have	have	VERB
fsr-3245	311	4	no	no	DET
fsr-3245	311	5	plans	plan	NOUN
fsr-3245	311	6	to	to	PART
fsr-3245	311	7	use	use	VERB
fsr-3245	311	8	the	the	DET
fsr-3245	311	9	line	line	NOUN
fsr-3245	311	10	of	of	ADP
fsr-3245	311	11	credit	credit	NOUN
fsr-3245	311	12	for	for	ADP
fsr-3245	311	13	another	another	DET
fsr-3245	311	14	purpose	purpose	NOUN
fsr-3245	311	15	.	.	PUNCT
fsr-3245	312	1	any	any	DET
fsr-3245	312	2	amounts	amount	NOUN
fsr-3245	312	3	drawn	draw	VERB
fsr-3245	312	4	on	on	ADP
fsr-3245	312	5	the	the	DET
fsr-3245	312	6	line	line	NOUN
fsr-3245	312	7	must	must	AUX
fsr-3245	312	8	be	be	AUX
fsr-3245	312	9	repaid	repay	VERB
fsr-3245	312	10	at	at	ADP
fsr-3245	312	11	an	an	DET
fsr-3245	312	12	interest	interest	NOUN
fsr-3245	312	13	rate	rate	NOUN
fsr-3245	312	14	of	of	ADP
fsr-3245	312	15	8	8	NUM
fsr-3245	312	16	%	%	NOUN
fsr-3245	312	17	,	,	PUNCT
fsr-3245	312	18	with	with	ADP
fsr-3245	312	19	principal	principal	NOUN
fsr-3245	312	20	and	and	CCONJ
fsr-3245	312	21	interest	interest	NOUN
fsr-3245	312	22	amortized	amortize	VERB
fsr-3245	312	23	over	over	ADP
fsr-3245	312	24	a	a	DET
fsr-3245	312	25	five	five	NUM
fsr-3245	312	26	-	-	PUNCT
fsr-3245	312	27	year	year	NOUN
fsr-3245	312	28	period	period	NOUN
fsr-3245	312	29	.	.	PUNCT
fsr-3245	313	1	option	option	NOUN
fsr-3245	313	2	b	b	ADP
fsr-3245	313	3	the	the	DET
fsr-3245	313	4	$	$	SYM
fsr-3245	313	5	14,000	14,000	NUM
fsr-3245	313	6	can	can	AUX
fsr-3245	313	7	be	be	AUX
fsr-3245	313	8	borrowed	borrow	VERB
fsr-3245	313	9	from	from	ADP
fsr-3245	313	10	john	john	PROPN
fsr-3245	313	11	’s	’s	PART
fsr-3245	313	12	401(k	401(k	PROPN
fsr-3245	313	13	)	)	PUNCT
fsr-3245	313	14	plan	plan	NOUN
fsr-3245	313	15	,	,	PUNCT
fsr-3245	313	16	which	which	PRON
fsr-3245	313	17	has	have	AUX
fsr-3245	313	18	been	be	AUX
fsr-3245	313	19	performing	perform	VERB
fsr-3245	313	20	better	well	ADV
fsr-3245	313	21	than	than	ADP
fsr-3245	313	22	your	your	PRON
fsr-3245	313	23	initial	initial	ADJ
fsr-3245	313	24	projections	projection	NOUN
fsr-3245	313	25	.	.	PUNCT
fsr-3245	314	1	the	the	DET
fsr-3245	314	2	plan	plan	NOUN
fsr-3245	314	3	has	have	AUX
fsr-3245	314	4	been	be	AUX
fsr-3245	314	5	earning	earn	VERB
fsr-3245	314	6	an	an	DET
fsr-3245	314	7	annual	annual	ADJ
fsr-3245	314	8	average	average	ADJ
fsr-3245	314	9	return	return	NOUN
fsr-3245	314	10	of	of	ADP
fsr-3245	314	11	12	12	NUM
fsr-3245	314	12	%	%	NOUN
fsr-3245	314	13	and	and	CCONJ
fsr-3245	314	14	that	that	DET
fsr-3245	314	15	return	return	NOUN
fsr-3245	314	16	is	be	AUX
fsr-3245	314	17	expected	expect	VERB
fsr-3245	314	18	to	to	PART
fsr-3245	314	19	continue	continue	VERB
fsr-3245	314	20	going	go	VERB
fsr-3245	314	21	forward	forward	ADV
fsr-3245	314	22	.	.	PUNCT
fsr-3245	315	1	any	any	DET
fsr-3245	315	2	loans	loan	NOUN
fsr-3245	315	3	borrowed	borrow	VERB
fsr-3245	315	4	from	from	ADP
fsr-3245	315	5	the	the	DET
fsr-3245	315	6	plan	plan	NOUN
fsr-3245	315	7	will	will	AUX
fsr-3245	315	8	be	be	AUX
fsr-3245	315	9	paid	pay	VERB
fsr-3245	315	10	back	back	ADV
fsr-3245	315	11	to	to	ADP
fsr-3245	315	12	john	john	PROPN
fsr-3245	315	13	’s	’s	PART
fsr-3245	315	14	account	account	NOUN
fsr-3245	315	15	at	at	ADP
fsr-3245	315	16	a	a	DET
fsr-3245	315	17	rate	rate	NOUN
fsr-3245	315	18	of	of	ADP
fsr-3245	315	19	6	6	NUM
fsr-3245	315	20	%	%	NOUN
fsr-3245	315	21	interest	interest	NOUN
fsr-3245	315	22	with	with	ADP
fsr-3245	315	23	principal	principal	NOUN
fsr-3245	315	24	and	and	CCONJ
fsr-3245	315	25	interest	interest	NOUN
fsr-3245	315	26	amortized	amortize	VERB
fsr-3245	315	27	over	over	ADP
fsr-3245	315	28	a	a	DET
fsr-3245	315	29	five	five	NUM
fsr-3245	315	30	-	-	PUNCT
fsr-3245	315	31	year	year	NOUN
fsr-3245	315	32	period	period	NOUN
fsr-3245	315	33	.	.	PUNCT
fsr-3245	316	1	assume	assume	VERB
fsr-3245	316	2	that	that	SCONJ
fsr-3245	316	3	john	john	PROPN
fsr-3245	316	4	will	will	AUX
fsr-3245	316	5	continue	continue	VERB
fsr-3245	316	6	to	to	PART
fsr-3245	316	7	work	work	VERB
fsr-3245	316	8	for	for	ADP
fsr-3245	316	9	his	his	PRON
fsr-3245	316	10	current	current	ADJ
fsr-3245	316	11	employer	employer	NOUN
fsr-3245	316	12	during	during	ADP
fsr-3245	316	13	the	the	DET
fsr-3245	316	14	loan	loan	NOUN
fsr-3245	316	15	period	period	NOUN
fsr-3245	316	16	.	.	PUNCT
fsr-3245	317	1	case	case	NOUN
fsr-3245	317	2	2	2	NUM
fsr-3245	317	3	recently	recently	ADV
fsr-3245	317	4	,	,	PUNCT
fsr-3245	317	5	you	you	PRON
fsr-3245	317	6	helped	help	VERB
fsr-3245	317	7	create	create	VERB
fsr-3245	317	8	and	and	CCONJ
fsr-3245	317	9	implement	implement	VERB
fsr-3245	317	10	a	a	DET
fsr-3245	317	11	comprehensive	comprehensive	ADJ
fsr-3245	317	12	financial	financial	ADJ
fsr-3245	317	13	plan	plan	NOUN
fsr-3245	317	14	for	for	ADP
fsr-3245	317	15	a	a	DET
fsr-3245	317	16	wealthy	wealthy	ADJ
fsr-3245	317	17	couple	couple	NOUN
fsr-3245	317	18	,	,	PUNCT
fsr-3245	317	19	carol	carol	NOUN
fsr-3245	317	20	and	and	CCONJ
fsr-3245	317	21	mike	mike	PROPN
fsr-3245	317	22	jones	jones	PROPN
fsr-3245	317	23	.	.	PUNCT
fsr-3245	318	1	then	then	ADV
fsr-3245	318	2	,	,	PUNCT
fsr-3245	318	3	they	they	PRON
fsr-3245	318	4	unexpectedly	unexpectedly	ADV
fsr-3245	318	5	inherited	inherit	VERB
fsr-3245	318	6	$	$	SYM
fsr-3245	318	7	50,000	50,000	NUM
fsr-3245	318	8	in	in	ADP
fsr-3245	318	9	cash	cash	NOUN
fsr-3245	318	10	from	from	ADP
fsr-3245	318	11	a	a	DET
fsr-3245	318	12	distant	distant	ADJ
fsr-3245	318	13	relative	relative	NOUN
fsr-3245	318	14	.	.	PUNCT
fsr-3245	319	1	since	since	SCONJ
fsr-3245	319	2	their	their	PRON
fsr-3245	319	3	existing	exist	VERB
fsr-3245	319	4	financial	financial	ADJ
fsr-3245	319	5	plan	plan	NOUN
fsr-3245	319	6	adequately	adequately	ADV
fsr-3245	319	7	covers	cover	VERB
fsr-3245	319	8	all	all	DET
fsr-3245	319	9	their	their	PRON
fsr-3245	319	10	goals	goal	NOUN
fsr-3245	319	11	,	,	PUNCT
fsr-3245	319	12	they	they	PRON
fsr-3245	319	13	decide	decide	VERB
fsr-3245	319	14	they	they	PRON
fsr-3245	319	15	would	would	AUX
fsr-3245	319	16	like	like	VERB
fsr-3245	319	17	to	to	PART
fsr-3245	319	18	invest	invest	VERB
fsr-3245	319	19	the	the	DET
fsr-3245	319	20	money	money	NOUN
fsr-3245	319	21	and	and	CCONJ
fsr-3245	319	22	come	come	VERB
fsr-3245	319	23	to	to	ADP
fsr-3245	319	24	you	you	PRON
fsr-3245	319	25	for	for	ADP
fsr-3245	319	26	advice	advice	NOUN
fsr-3245	319	27	.	.	PUNCT
fsr-3245	320	1	carol	carol	NOUN
fsr-3245	320	2	and	and	CCONJ
fsr-3245	320	3	mike	mike	PROPN
fsr-3245	320	4	are	be	AUX
fsr-3245	320	5	considering	consider	VERB
fsr-3245	320	6	two	two	NUM
fsr-3245	320	7	different	different	ADJ
fsr-3245	320	8	stocks	stock	NOUN
fsr-3245	320	9	.	.	PUNCT
fsr-3245	321	1	both	both	DET
fsr-3245	321	2	stocks	stock	NOUN
fsr-3245	321	3	have	have	VERB
fsr-3245	321	4	an	an	DET
fsr-3245	321	5	expected	expect	VERB
fsr-3245	321	6	total	total	ADJ
fsr-3245	321	7	annual	annual	ADJ
fsr-3245	321	8	return	return	NOUN
fsr-3245	321	9	of	of	ADP
fsr-3245	321	10	12	12	NUM
fsr-3245	321	11	%	%	NOUN
fsr-3245	321	12	and	and	CCONJ
fsr-3245	321	13	the	the	DET
fsr-3245	321	14	same	same	ADJ
fsr-3245	321	15	beta	beta	NOUN
fsr-3245	321	16	(	(	PUNCT
fsr-3245	321	17	i.e.	i.e.	X
fsr-3245	321	18	,	,	PUNCT
fsr-3245	321	19	the	the	DET
fsr-3245	321	20	same	same	ADJ
fsr-3245	321	21	level	level	NOUN
fsr-3245	321	22	of	of	ADP
fsr-3245	321	23	market	market	NOUN
fsr-3245	321	24	risk	risk	NOUN
fsr-3245	321	25	)	)	PUNCT
fsr-3245	321	26	.	.	PUNCT
fsr-3245	322	1	assume	assume	VERB
fsr-3245	322	2	the	the	DET
fsr-3245	322	3	tax	tax	NOUN
fsr-3245	322	4	rate	rate	NOUN
fsr-3245	322	5	on	on	ADP
fsr-3245	322	6	dividends	dividend	NOUN
fsr-3245	322	7	remains	remain	VERB
fsr-3245	322	8	the	the	DET
fsr-3245	322	9	same	same	ADJ
fsr-3245	322	10	as	as	SCONJ
fsr-3245	322	11	the	the	DET
fsr-3245	322	12	capital	capital	NOUN
fsr-3245	322	13	gains	gain	VERB
fsr-3245	322	14	tax	tax	NOUN
fsr-3245	322	15	rate	rate	NOUN
fsr-3245	322	16	during	during	ADP
fsr-3245	322	17	the	the	DET
fsr-3245	322	18	investment	investment	NOUN
fsr-3245	322	19	holding	holding	NOUN
fsr-3245	322	20	period	period	NOUN
fsr-3245	322	21	.	.	PUNCT
fsr-3245	323	1	option	option	NOUN
fsr-3245	323	2	a	a	DET
fsr-3245	323	3	invest	invest	VERB
fsr-3245	323	4	the	the	DET
fsr-3245	323	5	$	$	SYM
fsr-3245	323	6	50,000	50,000	NUM
fsr-3245	323	7	in	in	ADP
fsr-3245	323	8	company	company	NOUN
fsr-3245	323	9	a	a	DET
fsr-3245	323	10	stock	stock	NOUN
fsr-3245	323	11	.	.	PUNCT
fsr-3245	324	1	the	the	DET
fsr-3245	324	2	dividend	dividend	NOUN
fsr-3245	324	3	yield	yield	NOUN
fsr-3245	324	4	on	on	ADP
fsr-3245	324	5	company	company	NOUN
fsr-3245	324	6	a	a	DET
fsr-3245	324	7	stock	stock	NOUN
fsr-3245	324	8	was	be	AUX
fsr-3245	324	9	approximately	approximately	ADV
fsr-3245	324	10	3	3	NUM
fsr-3245	324	11	%	%	NOUN
fsr-3245	324	12	last	last	ADJ
fsr-3245	324	13	year	year	NOUN
fsr-3245	324	14	.	.	PUNCT
fsr-3245	325	1	the	the	DET
fsr-3245	325	2	company	company	NOUN
fsr-3245	325	3	has	have	AUX
fsr-3245	325	4	increased	increase	VERB
fsr-3245	325	5	its	its	PRON
fsr-3245	325	6	dividend	dividend	NOUN
fsr-3245	325	7	by	by	ADP
fsr-3245	325	8	10	10	NUM
fsr-3245	325	9	%	%	NOUN
fsr-3245	325	10	each	each	DET
fsr-3245	325	11	year	year	NOUN
fsr-3245	325	12	,	,	PUNCT
fsr-3245	325	13	a	a	DET
fsr-3245	325	14	policy	policy	NOUN
fsr-3245	325	15	it	it	PRON
fsr-3245	325	16	will	will	AUX
fsr-3245	325	17	continue	continue	VERB
fsr-3245	325	18	into	into	ADP
fsr-3245	325	19	the	the	DET
fsr-3245	325	20	future	future	NOUN
fsr-3245	325	21	.	.	PUNCT
fsr-3245	326	1	the	the	DET
fsr-3245	326	2	expected	expect	VERB
fsr-3245	326	3	total	total	ADJ
fsr-3245	326	4	return	return	NOUN
fsr-3245	326	5	each	each	DET
fsr-3245	326	6	year	year	NOUN
fsr-3245	326	7	is	be	AUX
fsr-3245	326	8	12	12	NUM
fsr-3245	326	9	%	%	NOUN
fsr-3245	326	10	.	.	PUNCT
fsr-3245	327	1	option	option	NOUN
fsr-3245	327	2	b	b	PRON
fsr-3245	327	3	invest	invest	VERB
fsr-3245	327	4	the	the	DET
fsr-3245	327	5	$	$	SYM
fsr-3245	327	6	50,000	50,000	NUM
fsr-3245	327	7	in	in	ADP
fsr-3245	327	8	company	company	NOUN
fsr-3245	327	9	b	b	PROPN
fsr-3245	327	10	stock	stock	NOUN
fsr-3245	327	11	.	.	PUNCT
fsr-3245	328	1	the	the	DET
fsr-3245	328	2	dividend	dividend	NOUN
fsr-3245	328	3	yield	yield	NOUN
fsr-3245	328	4	on	on	ADP
fsr-3245	328	5	company	company	NOUN
fsr-3245	328	6	b	b	PROPN
fsr-3245	328	7	stock	stock	NOUN
fsr-3245	328	8	was	be	AUX
fsr-3245	328	9	approximately	approximately	ADV
fsr-3245	328	10	2	2	NUM
fsr-3245	328	11	%	%	NOUN
fsr-3245	328	12	last	last	ADJ
fsr-3245	328	13	year	year	NOUN
fsr-3245	328	14	.	.	PUNCT
fsr-3245	329	1	company	company	NOUN
fsr-3245	329	2	b	b	PROPN
fsr-3245	329	3	has	have	AUX
fsr-3245	329	4	historically	historically	ADV
fsr-3245	329	5	paid	pay	VERB
fsr-3245	329	6	the	the	DET
fsr-3245	329	7	same	same	ADJ
fsr-3245	329	8	annual	annual	ADJ
fsr-3245	329	9	dividend	dividend	NOUN
fsr-3245	329	10	,	,	PUNCT
fsr-3245	329	11	a	a	DET
fsr-3245	329	12	policy	policy	NOUN
fsr-3245	329	13	it	it	PRON
fsr-3245	329	14	plans	plan	VERB
fsr-3245	329	15	to	to	PART
fsr-3245	329	16	continue	continue	VERB
fsr-3245	329	17	in	in	ADP
fsr-3245	329	18	the	the	DET
fsr-3245	329	19	future	future	NOUN
fsr-3245	329	20	.	.	PUNCT
fsr-3245	330	1	the	the	DET
fsr-3245	330	2	expected	expect	VERB
fsr-3245	330	3	total	total	ADJ
fsr-3245	330	4	return	return	NOUN
fsr-3245	330	5	each	each	DET
fsr-3245	330	6	year	year	NOUN
fsr-3245	330	7	is	be	AUX
fsr-3245	330	8	12	12	NUM
fsr-3245	330	9	%	%	NOUN
fsr-3245	330	10	.	.	PUNCT
fsr-3245	331	1	(	(	PUNCT
fsr-3245	331	2	continued	continue	VERB
fsr-3245	331	3	)	)	PUNCT
fsr-3245	331	4	404	404	NUM
fsr-3245	331	5	k.n	k.n	PROPN
fsr-3245	331	6	.	.	PROPN
fsr-3245	331	7	ryack	ryack	PROPN
fsr-3245	331	8	/	/	SYM
fsr-3245	331	9	financial	financial	ADJ
fsr-3245	331	10	services	service	NOUN
fsr-3245	331	11	review	review	VERB
fsr-3245	331	12	24	24	NUM
fsr-3245	331	13	(	(	PUNCT
fsr-3245	331	14	2015	2015	NUM
fsr-3245	331	15	)	)	PUNCT
fsr-3245	332	1	387–410	387–410	NUM
fsr-3245	332	2	appendix	appendix	VERB
fsr-3245	332	3	a	a	DET
fsr-3245	332	4	continued	continue	VERB
fsr-3245	332	5	case	case	NOUN
fsr-3245	332	6	3	3	NUM
fsr-3245	332	7	mrs	mrs	PROPN
fsr-3245	332	8	.	.	PROPN
fsr-3245	332	9	johnson	johnson	PROPN
fsr-3245	332	10	is	be	AUX
fsr-3245	332	11	a	a	DET
fsr-3245	332	12	high	high	ADJ
fsr-3245	332	13	net	net	ADJ
fsr-3245	332	14	worth	worth	ADJ
fsr-3245	332	15	client	client	NOUN
fsr-3245	332	16	with	with	ADP
fsr-3245	332	17	a	a	DET
fsr-3245	332	18	taxable	taxable	ADJ
fsr-3245	332	19	estate	estate	NOUN
fsr-3245	332	20	.	.	PUNCT
fsr-3245	333	1	she	she	PRON
fsr-3245	333	2	is	be	AUX
fsr-3245	333	3	in	in	ADP
fsr-3245	333	4	the	the	DET
fsr-3245	333	5	highest	high	ADJ
fsr-3245	333	6	marginal	marginal	ADJ
fsr-3245	333	7	estate	estate	NOUN
fsr-3245	333	8	tax	tax	NOUN
fsr-3245	333	9	bracket	bracket	NOUN
fsr-3245	333	10	(	(	PUNCT
fsr-3245	333	11	45	45	NUM
fsr-3245	333	12	%	%	NOUN
fsr-3245	333	13	)	)	PUNCT
fsr-3245	333	14	and	and	CCONJ
fsr-3245	333	15	the	the	DET
fsr-3245	333	16	highest	high	ADJ
fsr-3245	333	17	marginal	marginal	ADJ
fsr-3245	333	18	income	income	NOUN
fsr-3245	333	19	tax	tax	NOUN
fsr-3245	333	20	bracket	bracket	NOUN
fsr-3245	333	21	(	(	PUNCT
fsr-3245	333	22	35	35	NUM
fsr-3245	333	23	%	%	NOUN
fsr-3245	333	24	)	)	PUNCT
fsr-3245	333	25	.	.	PUNCT
fsr-3245	334	1	recently	recently	ADV
fsr-3245	334	2	,	,	PUNCT
fsr-3245	334	3	mrs	mrs	PROPN
fsr-3245	334	4	.	.	PROPN
fsr-3245	334	5	johnson	johnson	PROPN
fsr-3245	334	6	promised	promise	VERB
fsr-3245	334	7	to	to	PART
fsr-3245	334	8	pay	pay	VERB
fsr-3245	334	9	for	for	ADP
fsr-3245	334	10	the	the	DET
fsr-3245	334	11	college	college	NOUN
fsr-3245	334	12	education	education	NOUN
fsr-3245	334	13	of	of	ADP
fsr-3245	334	14	her	her	PRON
fsr-3245	334	15	grandchildren	grandchild	NOUN
fsr-3245	334	16	(	(	PUNCT
fsr-3245	334	17	ages	age	NOUN
fsr-3245	334	18	4–6	4–6	NUM
fsr-3245	334	19	)	)	PUNCT
fsr-3245	334	20	.	.	PUNCT
fsr-3245	335	1	she	she	PRON
fsr-3245	335	2	would	would	AUX
fsr-3245	335	3	also	also	ADV
fsr-3245	335	4	like	like	VERB
fsr-3245	335	5	to	to	PART
fsr-3245	335	6	provide	provide	VERB
fsr-3245	335	7	them	they	PRON
fsr-3245	335	8	with	with	ADP
fsr-3245	335	9	an	an	DET
fsr-3245	335	10	inheritance	inheritance	NOUN
fsr-3245	335	11	.	.	PUNCT
fsr-3245	336	1	she	she	PRON
fsr-3245	336	2	is	be	AUX
fsr-3245	336	3	fifty	fifty	NUM
fsr-3245	336	4	years	year	NOUN
fsr-3245	336	5	old	old	ADJ
fsr-3245	336	6	,	,	PUNCT
fsr-3245	336	7	in	in	ADP
fsr-3245	336	8	excellent	excellent	ADJ
fsr-3245	336	9	health	health	NOUN
fsr-3245	336	10	,	,	PUNCT
fsr-3245	336	11	and	and	CCONJ
fsr-3245	336	12	expects	expect	VERB
fsr-3245	336	13	to	to	PART
fsr-3245	336	14	be	be	AUX
fsr-3245	336	15	around	around	ADV
fsr-3245	336	16	long	long	ADV
fsr-3245	336	17	after	after	ADP
fsr-3245	336	18	her	her	PRON
fsr-3245	336	19	grandchildren	grandchild	NOUN
fsr-3245	336	20	complete	complete	ADJ
fsr-3245	336	21	college	college	NOUN
fsr-3245	336	22	.	.	PUNCT
fsr-3245	337	1	an	an	DET
fsr-3245	337	2	important	important	ADJ
fsr-3245	337	3	goal	goal	NOUN
fsr-3245	337	4	for	for	ADP
fsr-3245	337	5	mrs	mrs	PROPN
fsr-3245	337	6	.	.	PROPN
fsr-3245	337	7	johnson	johnson	PROPN
fsr-3245	337	8	is	be	AUX
fsr-3245	337	9	the	the	DET
fsr-3245	337	10	maximization	maximization	NOUN
fsr-3245	337	11	of	of	ADP
fsr-3245	337	12	her	her	PRON
fsr-3245	337	13	annual	annual	ADJ
fsr-3245	337	14	cash	cash	NOUN
fsr-3245	337	15	flow	flow	NOUN
fsr-3245	337	16	because	because	SCONJ
fsr-3245	337	17	she	she	PRON
fsr-3245	337	18	likes	like	VERB
fsr-3245	337	19	to	to	PART
fsr-3245	337	20	travel	travel	VERB
fsr-3245	337	21	and	and	CCONJ
fsr-3245	337	22	enjoy	enjoy	VERB
fsr-3245	337	23	life	life	NOUN
fsr-3245	337	24	’s	’s	PART
fsr-3245	337	25	luxuries	luxury	NOUN
fsr-3245	337	26	.	.	PUNCT
fsr-3245	338	1	she	she	PRON
fsr-3245	338	2	would	would	AUX
fsr-3245	338	3	also	also	ADV
fsr-3245	338	4	like	like	VERB
fsr-3245	338	5	to	to	PART
fsr-3245	338	6	maximize	maximize	VERB
fsr-3245	338	7	the	the	DET
fsr-3245	338	8	transfer	transfer	NOUN
fsr-3245	338	9	of	of	ADP
fsr-3245	338	10	wealth	wealth	NOUN
fsr-3245	338	11	out	out	ADP
fsr-3245	338	12	of	of	ADP
fsr-3245	338	13	her	her	PRON
fsr-3245	338	14	estate	estate	NOUN
fsr-3245	338	15	,	,	PUNCT
fsr-3245	338	16	a	a	DET
fsr-3245	338	17	goal	goal	NOUN
fsr-3245	338	18	she	she	PRON
fsr-3245	338	19	considers	consider	VERB
fsr-3245	338	20	equally	equally	ADV
fsr-3245	338	21	important	important	ADJ
fsr-3245	338	22	.	.	PUNCT
fsr-3245	339	1	assume	assume	VERB
fsr-3245	339	2	the	the	DET
fsr-3245	339	3	tax	tax	NOUN
fsr-3245	339	4	rates	rate	NOUN
fsr-3245	339	5	do	do	AUX
fsr-3245	339	6	not	not	PART
fsr-3245	339	7	change	change	VERB
fsr-3245	339	8	.	.	PUNCT
fsr-3245	340	1	you	you	PRON
fsr-3245	340	2	are	be	AUX
fsr-3245	340	3	considering	consider	VERB
fsr-3245	340	4	the	the	DET
fsr-3245	340	5	following	follow	VERB
fsr-3245	340	6	two	two	NUM
fsr-3245	340	7	planning	planning	NOUN
fsr-3245	340	8	strategies	strategy	NOUN
fsr-3245	340	9	.	.	PUNCT
fsr-3245	341	1	option	option	NOUN
fsr-3245	341	2	a	a	DET
fsr-3245	341	3	mrs	mrs	PROPN
fsr-3245	341	4	.	.	PROPN
fsr-3245	341	5	johnson	johnson	PROPN
fsr-3245	341	6	will	will	AUX
fsr-3245	341	7	pay	pay	VERB
fsr-3245	341	8	for	for	ADP
fsr-3245	341	9	her	her	PRON
fsr-3245	341	10	grandchildren	grandchild	NOUN
fsr-3245	341	11	’s	’s	PART
fsr-3245	341	12	educational	educational	ADJ
fsr-3245	341	13	costs	cost	NOUN
fsr-3245	341	14	as	as	SCONJ
fsr-3245	341	15	they	they	PRON
fsr-3245	341	16	arise	arise	VERB
fsr-3245	341	17	in	in	ADP
fsr-3245	341	18	the	the	DET
fsr-3245	341	19	future	future	NOUN
fsr-3245	341	20	without	without	ADP
fsr-3245	341	21	any	any	DET
fsr-3245	341	22	gift	gift	NOUN
fsr-3245	341	23	tax	tax	NOUN
fsr-3245	341	24	consequences	consequence	NOUN
fsr-3245	341	25	since	since	SCONJ
fsr-3245	341	26	such	such	ADJ
fsr-3245	341	27	transfers	transfer	NOUN
fsr-3245	341	28	are	be	AUX
fsr-3245	341	29	not	not	PART
fsr-3245	341	30	considered	consider	VERB
fsr-3245	341	31	gifts	gift	NOUN
fsr-3245	341	32	.	.	PUNCT
fsr-3245	342	1	in	in	ADP
fsr-3245	342	2	addition	addition	NOUN
fsr-3245	342	3	,	,	PUNCT
fsr-3245	342	4	she	she	PRON
fsr-3245	342	5	will	will	AUX
fsr-3245	342	6	immediately	immediately	ADV
fsr-3245	342	7	begin	begin	VERB
fsr-3245	342	8	making	make	VERB
fsr-3245	342	9	annual	annual	ADJ
fsr-3245	342	10	contributions	contribution	NOUN
fsr-3245	342	11	to	to	ADP
fsr-3245	342	12	an	an	DET
fsr-3245	342	13	irrevocable	irrevocable	ADJ
fsr-3245	342	14	trust	trust	NOUN
fsr-3245	342	15	for	for	SCONJ
fsr-3245	342	16	the	the	DET
fsr-3245	342	17	grandchildren	grandchild	NOUN
fsr-3245	342	18	to	to	PART
fsr-3245	342	19	take	take	VERB
fsr-3245	342	20	advantage	advantage	NOUN
fsr-3245	342	21	of	of	ADP
fsr-3245	342	22	the	the	DET
fsr-3245	342	23	annual	annual	ADJ
fsr-3245	342	24	gift	gift	NOUN
fsr-3245	342	25	tax	tax	NOUN
fsr-3245	342	26	exclusion	exclusion	NOUN
fsr-3245	342	27	.	.	PUNCT
fsr-3245	343	1	taxes	taxis	NOUN
fsr-3245	343	2	on	on	ADP
fsr-3245	343	3	any	any	DET
fsr-3245	343	4	income	income	NOUN
fsr-3245	343	5	generated	generate	VERB
fsr-3245	343	6	by	by	ADP
fsr-3245	343	7	the	the	DET
fsr-3245	343	8	trust	trust	NOUN
fsr-3245	343	9	assets	asset	NOUN
fsr-3245	343	10	will	will	AUX
fsr-3245	343	11	be	be	AUX
fsr-3245	343	12	paid	pay	VERB
fsr-3245	343	13	by	by	ADP
fsr-3245	343	14	the	the	DET
fsr-3245	343	15	trust	trust	NOUN
fsr-3245	343	16	.	.	PUNCT
fsr-3245	344	1	any	any	DET
fsr-3245	344	2	assets	asset	NOUN
fsr-3245	344	3	remaining	remain	VERB
fsr-3245	344	4	in	in	ADP
fsr-3245	344	5	her	her	PRON
fsr-3245	344	6	estate	estate	NOUN
fsr-3245	344	7	when	when	SCONJ
fsr-3245	344	8	she	she	PRON
fsr-3245	344	9	dies	die	VERB
fsr-3245	344	10	will	will	AUX
fsr-3245	344	11	be	be	AUX
fsr-3245	344	12	transferred	transfer	VERB
fsr-3245	344	13	by	by	ADP
fsr-3245	344	14	will	will	NOUN
fsr-3245	344	15	to	to	ADP
fsr-3245	344	16	her	her	PRON
fsr-3245	344	17	grandchildren	grandchild	NOUN
fsr-3245	344	18	.	.	PUNCT
fsr-3245	345	1	option	option	NOUN
fsr-3245	345	2	b	b	PROPN
fsr-3245	345	3	mrs	mrs	PROPN
fsr-3245	345	4	.	.	PROPN
fsr-3245	345	5	johnson	johnson	PROPN
fsr-3245	345	6	will	will	AUX
fsr-3245	345	7	immediately	immediately	ADV
fsr-3245	345	8	begin	begin	VERB
fsr-3245	345	9	annual	annual	ADJ
fsr-3245	345	10	contributions	contribution	NOUN
fsr-3245	345	11	to	to	ADP
fsr-3245	345	12	section	section	VERB
fsr-3245	345	13	529	529	NUM
fsr-3245	345	14	college	college	NOUN
fsr-3245	345	15	tuition	tuition	NOUN
fsr-3245	345	16	plans	plan	VERB
fsr-3245	345	17	so	so	SCONJ
fsr-3245	345	18	she	she	PRON
fsr-3245	345	19	can	can	AUX
fsr-3245	345	20	take	take	VERB
fsr-3245	345	21	advantage	advantage	NOUN
fsr-3245	345	22	of	of	ADP
fsr-3245	345	23	the	the	DET
fsr-3245	345	24	annual	annual	ADJ
fsr-3245	345	25	gift	gift	NOUN
fsr-3245	345	26	tax	tax	NOUN
fsr-3245	345	27	exclusion	exclusion	NOUN
fsr-3245	345	28	and	and	CCONJ
fsr-3245	345	29	fund	fund	VERB
fsr-3245	345	30	the	the	DET
fsr-3245	345	31	education	education	NOUN
fsr-3245	345	32	of	of	ADP
fsr-3245	345	33	her	her	PRON
fsr-3245	345	34	grandchildren	grandchild	NOUN
fsr-3245	345	35	.	.	PUNCT
fsr-3245	346	1	when	when	SCONJ
fsr-3245	346	2	the	the	DET
fsr-3245	346	3	section	section	NOUN
fsr-3245	346	4	529	529	NUM
fsr-3245	346	5	plans	plan	NOUN
fsr-3245	346	6	are	be	AUX
fsr-3245	346	7	adequately	adequately	ADV
fsr-3245	346	8	funded	fund	VERB
fsr-3245	346	9	,	,	PUNCT
fsr-3245	346	10	she	she	PRON
fsr-3245	346	11	will	will	AUX
fsr-3245	346	12	use	use	VERB
fsr-3245	346	13	the	the	DET
fsr-3245	346	14	annual	annual	ADJ
fsr-3245	346	15	gift	gift	NOUN
fsr-3245	346	16	tax	tax	NOUN
fsr-3245	346	17	exclusion	exclusion	NOUN
fsr-3245	346	18	to	to	PART
fsr-3245	346	19	fund	fund	VERB
fsr-3245	346	20	an	an	DET
fsr-3245	346	21	irrevocable	irrevocable	ADJ
fsr-3245	346	22	trust	trust	NOUN
fsr-3245	346	23	for	for	ADP
fsr-3245	346	24	the	the	DET
fsr-3245	346	25	grandchildren	grandchild	NOUN
fsr-3245	346	26	.	.	PUNCT
fsr-3245	347	1	upon	upon	SCONJ
fsr-3245	347	2	her	her	PRON
fsr-3245	347	3	death	death	NOUN
fsr-3245	347	4	,	,	PUNCT
fsr-3245	347	5	all	all	PRON
fsr-3245	347	6	of	of	ADP
fsr-3245	347	7	mrs	mrs	PROPN
fsr-3245	347	8	.	.	PROPN
fsr-3245	347	9	johnson	johnson	PROPN
fsr-3245	347	10	’s	’s	PART
fsr-3245	347	11	remaining	remain	VERB
fsr-3245	347	12	assets	asset	NOUN
fsr-3245	347	13	will	will	AUX
fsr-3245	347	14	be	be	AUX
fsr-3245	347	15	transferred	transfer	VERB
fsr-3245	347	16	to	to	ADP
fsr-3245	347	17	her	her	PRON
fsr-3245	347	18	grandchildren	grandchild	NOUN
fsr-3245	347	19	through	through	ADP
fsr-3245	347	20	her	her	PRON
fsr-3245	347	21	will	will	NOUN
fsr-3245	347	22	.	.	PUNCT
fsr-3245	348	1	case	case	NOUN
fsr-3245	348	2	4	4	NUM
fsr-3245	348	3	you	you	PRON
fsr-3245	348	4	are	be	AUX
fsr-3245	348	5	helping	help	VERB
fsr-3245	348	6	mr	mr	PROPN
fsr-3245	348	7	.	.	PROPN
fsr-3245	348	8	amherst	amherst	PROPN
fsr-3245	348	9	,	,	PUNCT
fsr-3245	348	10	a	a	DET
fsr-3245	348	11	high	high	ADJ
fsr-3245	348	12	net	net	ADJ
fsr-3245	348	13	worth	worth	ADJ
fsr-3245	348	14	client	client	NOUN
fsr-3245	348	15	,	,	PUNCT
fsr-3245	348	16	with	with	ADP
fsr-3245	348	17	the	the	DET
fsr-3245	348	18	creation	creation	NOUN
fsr-3245	348	19	and	and	CCONJ
fsr-3245	348	20	implementation	implementation	NOUN
fsr-3245	348	21	of	of	ADP
fsr-3245	348	22	a	a	DET
fsr-3245	348	23	comprehensive	comprehensive	ADJ
fsr-3245	348	24	financial	financial	ADJ
fsr-3245	348	25	plan	plan	NOUN
fsr-3245	348	26	.	.	PUNCT
fsr-3245	349	1	mr	mr	PROPN
fsr-3245	349	2	.	.	PROPN
fsr-3245	349	3	amherst	amherst	PROPN
fsr-3245	349	4	enjoys	enjoy	VERB
fsr-3245	349	5	his	his	PRON
fsr-3245	349	6	wealth	wealth	NOUN
fsr-3245	349	7	and	and	CCONJ
fsr-3245	349	8	an	an	DET
fsr-3245	349	9	important	important	ADJ
fsr-3245	349	10	goal	goal	NOUN
fsr-3245	349	11	is	be	AUX
fsr-3245	349	12	the	the	DET
fsr-3245	349	13	maximization	maximization	NOUN
fsr-3245	349	14	of	of	ADP
fsr-3245	349	15	his	his	PRON
fsr-3245	349	16	cash	cash	NOUN
fsr-3245	349	17	flow	flow	NOUN
fsr-3245	349	18	to	to	PART
fsr-3245	349	19	support	support	VERB
fsr-3245	349	20	his	his	PRON
fsr-3245	349	21	lavish	lavish	ADJ
fsr-3245	349	22	lifestyle	lifestyle	NOUN
fsr-3245	349	23	.	.	PUNCT
fsr-3245	350	1	his	his	PRON
fsr-3245	350	2	primary	primary	ADJ
fsr-3245	350	3	goal	goal	NOUN
fsr-3245	350	4	is	be	AUX
fsr-3245	350	5	the	the	DET
fsr-3245	350	6	transfer	transfer	NOUN
fsr-3245	350	7	of	of	ADP
fsr-3245	350	8	his	his	PRON
fsr-3245	350	9	wealth	wealth	NOUN
fsr-3245	350	10	in	in	ADP
fsr-3245	350	11	a	a	DET
fsr-3245	350	12	tax	tax	NOUN
fsr-3245	350	13	efficient	efficient	ADJ
fsr-3245	350	14	manner	manner	NOUN
fsr-3245	350	15	.	.	PUNCT
fsr-3245	351	1	he	he	PRON
fsr-3245	351	2	would	would	AUX
fsr-3245	351	3	like	like	VERB
fsr-3245	351	4	to	to	PART
fsr-3245	351	5	give	give	VERB
fsr-3245	351	6	$	$	SYM
fsr-3245	351	7	1,000,000	1,000,000	NUM
fsr-3245	351	8	in	in	ADP
fsr-3245	351	9	unneeded	unneeded	ADJ
fsr-3245	351	10	income	income	NOUN
fsr-3245	351	11	producing	produce	VERB
fsr-3245	351	12	assets	asset	NOUN
fsr-3245	351	13	to	to	ADP
fsr-3245	351	14	his	his	PRON
fsr-3245	351	15	nephew	nephew	NOUN
fsr-3245	351	16	.	.	PUNCT
fsr-3245	352	1	you	you	PRON
fsr-3245	352	2	are	be	AUX
fsr-3245	352	3	considering	consider	VERB
fsr-3245	352	4	the	the	DET
fsr-3245	352	5	following	follow	VERB
fsr-3245	352	6	two	two	NUM
fsr-3245	352	7	options	option	NOUN
fsr-3245	352	8	.	.	PUNCT
fsr-3245	353	1	option	option	NOUN
fsr-3245	353	2	a	a	DET
fsr-3245	353	3	transfer	transfer	NOUN
fsr-3245	353	4	the	the	DET
fsr-3245	353	5	$	$	SYM
fsr-3245	353	6	1,000,000	1,000,000	NUM
fsr-3245	353	7	of	of	ADP
fsr-3245	353	8	income	income	NOUN
fsr-3245	353	9	producing	produce	VERB
fsr-3245	353	10	property	property	NOUN
fsr-3245	353	11	to	to	ADP
fsr-3245	353	12	an	an	DET
fsr-3245	353	13	irrevocable	irrevocable	ADJ
fsr-3245	353	14	trust	trust	NOUN
fsr-3245	353	15	,	,	PUNCT
fsr-3245	353	16	avoiding	avoid	VERB
fsr-3245	353	17	gift	gift	NOUN
fsr-3245	353	18	tax	tax	NOUN
fsr-3245	353	19	liability	liability	NOUN
fsr-3245	353	20	through	through	ADP
fsr-3245	353	21	the	the	DET
fsr-3245	353	22	use	use	NOUN
fsr-3245	353	23	of	of	ADP
fsr-3245	353	24	the	the	DET
fsr-3245	353	25	unified	unified	ADJ
fsr-3245	353	26	credit	credit	NOUN
fsr-3245	353	27	.	.	PUNCT
fsr-3245	354	1	all	all	DET
fsr-3245	354	2	growth	growth	NOUN
fsr-3245	354	3	will	will	AUX
fsr-3245	354	4	be	be	AUX
fsr-3245	354	5	transferred	transfer	VERB
fsr-3245	354	6	to	to	ADP
fsr-3245	354	7	the	the	DET
fsr-3245	354	8	beneficiary	beneficiary	NOUN
fsr-3245	354	9	,	,	PUNCT
fsr-3245	354	10	but	but	CCONJ
fsr-3245	354	11	the	the	DET
fsr-3245	354	12	trust	trust	NOUN
fsr-3245	354	13	will	will	AUX
fsr-3245	354	14	pay	pay	VERB
fsr-3245	354	15	income	income	NOUN
fsr-3245	354	16	tax	tax	NOUN
fsr-3245	354	17	at	at	ADP
fsr-3245	354	18	the	the	DET
fsr-3245	354	19	highest	high	ADJ
fsr-3245	354	20	marginal	marginal	ADJ
fsr-3245	354	21	rate	rate	NOUN
fsr-3245	354	22	of	of	ADP
fsr-3245	354	23	35	35	NUM
fsr-3245	354	24	%	%	NOUN
fsr-3245	354	25	.	.	PUNCT
fsr-3245	355	1	option	option	NOUN
fsr-3245	355	2	b	b	X
fsr-3245	355	3	transfer	transfer	VERB
fsr-3245	355	4	the	the	DET
fsr-3245	355	5	$	$	SYM
fsr-3245	355	6	1,000,000	1,000,000	NUM
fsr-3245	355	7	of	of	ADP
fsr-3245	355	8	income	income	NOUN
fsr-3245	355	9	producing	produce	VERB
fsr-3245	355	10	property	property	NOUN
fsr-3245	355	11	to	to	ADP
fsr-3245	355	12	an	an	DET
fsr-3245	355	13	intentionally	intentionally	ADV
fsr-3245	355	14	defective	defective	ADJ
fsr-3245	355	15	grantor	grantor	NOUN
fsr-3245	355	16	trust	trust	NOUN
fsr-3245	355	17	(	(	PUNCT
fsr-3245	355	18	idgt	idgt	NOUN
fsr-3245	355	19	)	)	PUNCT
fsr-3245	355	20	.	.	PUNCT
fsr-3245	356	1	since	since	SCONJ
fsr-3245	356	2	the	the	DET
fsr-3245	356	3	trust	trust	NOUN
fsr-3245	356	4	is	be	AUX
fsr-3245	356	5	irrevocable	irrevocable	ADJ
fsr-3245	356	6	,	,	PUNCT
fsr-3245	356	7	gift	gift	NOUN
fsr-3245	356	8	tax	tax	NOUN
fsr-3245	356	9	liability	liability	NOUN
fsr-3245	356	10	will	will	AUX
fsr-3245	356	11	be	be	AUX
fsr-3245	356	12	avoided	avoid	VERB
fsr-3245	356	13	through	through	ADP
fsr-3245	356	14	use	use	NOUN
fsr-3245	356	15	of	of	ADP
fsr-3245	356	16	the	the	DET
fsr-3245	356	17	unified	unified	ADJ
fsr-3245	356	18	credit	credit	NOUN
fsr-3245	356	19	and	and	CCONJ
fsr-3245	356	20	all	all	DET
fsr-3245	356	21	growth	growth	NOUN
fsr-3245	356	22	is	be	AUX
fsr-3245	356	23	transferred	transfer	VERB
fsr-3245	356	24	to	to	ADP
fsr-3245	356	25	the	the	DET
fsr-3245	356	26	beneficiary	beneficiary	NOUN
fsr-3245	356	27	.	.	PUNCT
fsr-3245	357	1	because	because	SCONJ
fsr-3245	357	2	the	the	DET
fsr-3245	357	3	trust	trust	NOUN
fsr-3245	357	4	is	be	AUX
fsr-3245	357	5	intentionally	intentionally	ADV
fsr-3245	357	6	defective	defective	ADJ
fsr-3245	357	7	,	,	PUNCT
fsr-3245	357	8	the	the	DET
fsr-3245	357	9	grantor	grantor	NOUN
fsr-3245	357	10	(	(	PUNCT
fsr-3245	357	11	mr	mr	PROPN
fsr-3245	357	12	.	.	PROPN
fsr-3245	357	13	amherst	amherst	PROPN
fsr-3245	357	14	)	)	PUNCT
fsr-3245	357	15	will	will	AUX
fsr-3245	357	16	pay	pay	VERB
fsr-3245	357	17	income	income	NOUN
fsr-3245	357	18	tax	tax	NOUN
fsr-3245	357	19	at	at	ADP
fsr-3245	357	20	his	his	PRON
fsr-3245	357	21	marginal	marginal	ADJ
fsr-3245	357	22	tax	tax	NOUN
fsr-3245	357	23	rate	rate	NOUN
fsr-3245	357	24	of	of	ADP
fsr-3245	357	25	30	30	NUM
fsr-3245	357	26	%	%	NOUN
fsr-3245	357	27	.	.	PUNCT
fsr-3245	358	1	405k.n	405k.n	X
fsr-3245	358	2	.	.	PUNCT
fsr-3245	358	3	ryack	ryack	NOUN
fsr-3245	358	4	/	/	SYM
fsr-3245	358	5	financial	financial	ADJ
fsr-3245	358	6	services	service	NOUN
fsr-3245	358	7	review	review	VERB
fsr-3245	358	8	24	24	NUM
fsr-3245	358	9	(	(	PUNCT
fsr-3245	358	10	2015	2015	NUM
fsr-3245	358	11	)	)	PUNCT
fsr-3245	358	12	387–410	387–410	NUM
fsr-3245	358	13	appendix	appendix	VERB
fsr-3245	358	14	b	b	NOUN
fsr-3245	358	15	:	:	PUNCT
fsr-3245	358	16	consideration	consideration	NOUN
fsr-3245	358	17	of	of	ADP
fsr-3245	358	18	future	future	ADJ
fsr-3245	358	19	consequences	consequence	NOUN
fsr-3245	358	20	(	(	PUNCT
fsr-3245	358	21	cfc	cfc	NOUN
fsr-3245	358	22	)	)	PUNCT
fsr-3245	358	23	sub	sub	ADJ
fsr-3245	358	24	-	-	ADJ
fsr-3245	358	25	scale	scale	ADJ
fsr-3245	358	26	items	item	NOUN
fsr-3245	358	27	cfc_p1	cfc_p1	NOUN
fsr-3245	358	28	scale	scale	NOUN
fsr-3245	358	29	(	(	PUNCT
fsr-3245	358	30	�	�	PROPN
fsr-3245	358	31	�	�	PROPN
fsr-3245	358	32	0.76	0.76	NUM
fsr-3245	358	33	)	)	PUNCT
fsr-3245	358	34	my	my	PRON
fsr-3245	358	35	convenience	convenience	NOUN
fsr-3245	358	36	is	be	AUX
fsr-3245	358	37	a	a	DET
fsr-3245	358	38	big	big	ADJ
fsr-3245	358	39	factor	factor	NOUN
fsr-3245	358	40	in	in	ADP
fsr-3245	358	41	the	the	DET
fsr-3245	358	42	decisions	decision	NOUN
fsr-3245	358	43	i	i	PRON
fsr-3245	358	44	make	make	VERB
fsr-3245	358	45	or	or	CCONJ
fsr-3245	358	46	the	the	DET
fsr-3245	358	47	actions	action	NOUN
fsr-3245	358	48	i	i	PRON
fsr-3245	358	49	take	take	VERB
fsr-3245	358	50	.	.	PUNCT
fsr-3245	359	1	my	my	PRON
fsr-3245	359	2	behavior	behavior	NOUN
fsr-3245	359	3	is	be	AUX
fsr-3245	359	4	primarily	primarily	ADV
fsr-3245	359	5	influenced	influence	VERB
fsr-3245	359	6	by	by	ADP
fsr-3245	359	7	the	the	DET
fsr-3245	359	8	immediate	immediate	ADJ
fsr-3245	359	9	(	(	PUNCT
fsr-3245	359	10	i.e.	i.e.	X
fsr-3245	359	11	,	,	PUNCT
fsr-3245	359	12	a	a	DET
fsr-3245	359	13	matter	matter	NOUN
fsr-3245	359	14	of	of	ADP
fsr-3245	359	15	days	day	NOUN
fsr-3245	359	16	or	or	CCONJ
fsr-3245	359	17	weeks	week	NOUN
fsr-3245	359	18	)	)	PUNCT
fsr-3245	359	19	outcomes	outcome	NOUN
fsr-3245	359	20	of	of	ADP
fsr-3245	359	21	my	my	PRON
fsr-3245	359	22	actions	action	NOUN
fsr-3245	359	23	.	.	PUNCT
fsr-3245	360	1	since	since	SCONJ
fsr-3245	360	2	my	my	PRON
fsr-3245	360	3	day	day	NOUN
fsr-3245	360	4	to	to	ADP
fsr-3245	360	5	day	day	NOUN
fsr-3245	360	6	work	work	NOUN
fsr-3245	360	7	has	have	VERB
fsr-3245	360	8	specific	specific	ADJ
fsr-3245	360	9	outcomes	outcome	NOUN
fsr-3245	360	10	,	,	PUNCT
fsr-3245	360	11	it	it	PRON
fsr-3245	360	12	is	be	AUX
fsr-3245	360	13	more	more	ADV
fsr-3245	360	14	important	important	ADJ
fsr-3245	360	15	to	to	ADP
fsr-3245	360	16	me	i	PRON
fsr-3245	360	17	than	than	ADP
fsr-3245	360	18	behavior	behavior	NOUN
fsr-3245	360	19	that	that	PRON
fsr-3245	360	20	has	have	VERB
fsr-3245	360	21	distant	distant	ADJ
fsr-3245	360	22	outcomes	outcome	NOUN
fsr-3245	360	23	.	.	PUNCT
fsr-3245	361	1	i	i	PRON
fsr-3245	361	2	primarily	primarily	ADV
fsr-3245	361	3	act	act	VERB
fsr-3245	361	4	to	to	PART
fsr-3245	361	5	satisfy	satisfy	VERB
fsr-3245	361	6	immediate	immediate	ADJ
fsr-3245	361	7	concerns	concern	NOUN
fsr-3245	361	8	,	,	PUNCT
fsr-3245	361	9	figuring	figure	VERB
fsr-3245	361	10	that	that	SCONJ
fsr-3245	361	11	i	i	PRON
fsr-3245	361	12	will	will	AUX
fsr-3245	361	13	take	take	VERB
fsr-3245	361	14	care	care	NOUN
fsr-3245	361	15	of	of	ADP
fsr-3245	361	16	future	future	ADJ
fsr-3245	361	17	problems	problem	NOUN
fsr-3245	361	18	that	that	PRON
fsr-3245	361	19	may	may	AUX
fsr-3245	361	20	occur	occur	VERB
fsr-3245	361	21	at	at	ADP
fsr-3245	361	22	a	a	DET
fsr-3245	361	23	later	later	ADJ
fsr-3245	361	24	date	date	NOUN
fsr-3245	361	25	.	.	PUNCT
fsr-3245	362	1	i	i	PRON
fsr-3245	362	2	primarily	primarily	ADV
fsr-3245	362	3	act	act	VERB
fsr-3245	362	4	to	to	PART
fsr-3245	362	5	satisfy	satisfy	VERB
fsr-3245	362	6	immediate	immediate	ADJ
fsr-3245	362	7	concerns	concern	NOUN
fsr-3245	362	8	,	,	PUNCT
fsr-3245	362	9	figuring	figure	VERB
fsr-3245	362	10	the	the	DET
fsr-3245	362	11	future	future	NOUN
fsr-3245	362	12	will	will	AUX
fsr-3245	362	13	take	take	VERB
fsr-3245	362	14	care	care	NOUN
fsr-3245	362	15	of	of	ADP
fsr-3245	362	16	itself	itself	PRON
fsr-3245	362	17	.	.	PUNCT
fsr-3245	363	1	cfc_p2	cfc_p2	ADV
fsr-3245	363	2	scale	scale	NOUN
fsr-3245	363	3	(	(	PUNCT
fsr-3245	363	4	�	�	PROPN
fsr-3245	363	5	�	�	PROPN
fsr-3245	363	6	0.69	0.69	NUM
fsr-3245	363	7	)	)	PUNCT
fsr-3245	364	1	i	i	PRON
fsr-3245	364	2	think	think	VERB
fsr-3245	364	3	that	that	SCONJ
fsr-3245	364	4	sacrificing	sacrifice	VERB
fsr-3245	364	5	now	now	ADV
fsr-3245	364	6	is	be	AUX
fsr-3245	364	7	usually	usually	ADV
fsr-3245	364	8	unnecessary	unnecessary	ADJ
fsr-3245	364	9	since	since	SCONJ
fsr-3245	364	10	future	future	ADJ
fsr-3245	364	11	outcomes	outcome	NOUN
fsr-3245	364	12	can	can	AUX
fsr-3245	364	13	be	be	AUX
fsr-3245	364	14	dealt	deal	VERB
fsr-3245	364	15	with	with	ADP
fsr-3245	364	16	at	at	ADP
fsr-3245	364	17	a	a	DET
fsr-3245	364	18	later	later	ADJ
fsr-3245	364	19	time	time	NOUN
fsr-3245	364	20	.	.	PUNCT
fsr-3245	365	1	i	i	PRON
fsr-3245	365	2	primarily	primarily	ADV
fsr-3245	365	3	act	act	VERB
fsr-3245	365	4	to	to	PART
fsr-3245	365	5	satisfy	satisfy	VERB
fsr-3245	365	6	immediate	immediate	ADJ
fsr-3245	365	7	concerns	concern	NOUN
fsr-3245	365	8	,	,	PUNCT
fsr-3245	365	9	figuring	figure	VERB
fsr-3245	365	10	that	that	SCONJ
fsr-3245	365	11	i	i	PRON
fsr-3245	365	12	will	will	AUX
fsr-3245	365	13	take	take	VERB
fsr-3245	365	14	care	care	NOUN
fsr-3245	365	15	of	of	ADP
fsr-3245	365	16	future	future	ADJ
fsr-3245	365	17	problems	problem	NOUN
fsr-3245	365	18	that	that	PRON
fsr-3245	365	19	may	may	AUX
fsr-3245	365	20	occur	occur	VERB
fsr-3245	365	21	at	at	ADP
fsr-3245	365	22	a	a	DET
fsr-3245	365	23	later	later	ADJ
fsr-3245	365	24	date	date	NOUN
fsr-3245	365	25	.	.	PUNCT
fsr-3245	366	1	i	i	PRON
fsr-3245	366	2	generally	generally	ADV
fsr-3245	366	3	ignore	ignore	VERB
fsr-3245	366	4	warnings	warning	NOUN
fsr-3245	366	5	about	about	ADP
fsr-3245	366	6	possible	possible	ADJ
fsr-3245	366	7	future	future	ADJ
fsr-3245	366	8	problems	problem	NOUN
fsr-3245	366	9	because	because	SCONJ
fsr-3245	366	10	i	i	PRON
fsr-3245	366	11	think	think	VERB
fsr-3245	366	12	the	the	DET
fsr-3245	366	13	problems	problem	NOUN
fsr-3245	366	14	will	will	AUX
fsr-3245	366	15	be	be	AUX
fsr-3245	366	16	resolved	resolve	VERB
fsr-3245	366	17	before	before	SCONJ
fsr-3245	366	18	they	they	PRON
fsr-3245	366	19	reach	reach	VERB
fsr-3245	366	20	crisis	crisis	NOUN
fsr-3245	366	21	level	level	NOUN
fsr-3245	366	22	.	.	PUNCT
fsr-3245	367	1	i	i	PRON
fsr-3245	367	2	primarily	primarily	ADV
fsr-3245	367	3	act	act	VERB
fsr-3245	367	4	to	to	PART
fsr-3245	367	5	satisfy	satisfy	VERB
fsr-3245	367	6	immediate	immediate	ADJ
fsr-3245	367	7	concerns	concern	NOUN
fsr-3245	367	8	,	,	PUNCT
fsr-3245	367	9	figuring	figure	VERB
fsr-3245	367	10	the	the	DET
fsr-3245	367	11	future	future	NOUN
fsr-3245	367	12	will	will	AUX
fsr-3245	367	13	take	take	VERB
fsr-3245	367	14	care	care	NOUN
fsr-3245	367	15	of	of	ADP
fsr-3245	367	16	itself	itself	PRON
fsr-3245	367	17	.	.	PUNCT
fsr-3245	368	1	cfc_f1	cfc_f1	ADJ
fsr-3245	368	2	scale	scale	NOUN
fsr-3245	368	3	(	(	PUNCT
fsr-3245	368	4	�	�	PROPN
fsr-3245	368	5	�	�	PROPN
fsr-3245	368	6	0.58	0.58	NUM
fsr-3245	368	7	)	)	PUNCT
fsr-3245	369	1	i	i	PRON
fsr-3245	369	2	think	think	VERB
fsr-3245	369	3	it	it	PRON
fsr-3245	369	4	is	be	AUX
fsr-3245	369	5	more	more	ADV
fsr-3245	369	6	important	important	ADJ
fsr-3245	369	7	to	to	PART
fsr-3245	369	8	perform	perform	VERB
fsr-3245	369	9	a	a	DET
fsr-3245	369	10	behavior	behavior	NOUN
fsr-3245	369	11	with	with	ADP
fsr-3245	369	12	important	important	ADJ
fsr-3245	369	13	distant	distant	ADJ
fsr-3245	369	14	consequences	consequence	NOUN
fsr-3245	369	15	than	than	ADP
fsr-3245	369	16	a	a	DET
fsr-3245	369	17	behavior	behavior	NOUN
fsr-3245	369	18	with	with	ADP
fsr-3245	369	19	less	less	ADV
fsr-3245	369	20	-	-	PUNCT
fsr-3245	369	21	important	important	ADJ
fsr-3245	369	22	immediate	immediate	ADJ
fsr-3245	369	23	consequences	consequence	NOUN
fsr-3245	369	24	.	.	PUNCT
fsr-3245	370	1	i	i	PRON
fsr-3245	370	2	think	think	VERB
fsr-3245	370	3	it	it	PRON
fsr-3245	370	4	is	be	AUX
fsr-3245	370	5	important	important	ADJ
fsr-3245	370	6	to	to	PART
fsr-3245	370	7	take	take	VERB
fsr-3245	370	8	warnings	warning	NOUN
fsr-3245	370	9	about	about	ADP
fsr-3245	370	10	negative	negative	ADJ
fsr-3245	370	11	outcomes	outcome	NOUN
fsr-3245	370	12	seriously	seriously	ADV
fsr-3245	370	13	even	even	ADV
fsr-3245	370	14	if	if	SCONJ
fsr-3245	370	15	the	the	DET
fsr-3245	370	16	negative	negative	ADJ
fsr-3245	370	17	outcome	outcome	NOUN
fsr-3245	370	18	will	will	AUX
fsr-3245	370	19	not	not	PART
fsr-3245	370	20	occur	occur	VERB
fsr-3245	370	21	for	for	ADP
fsr-3245	370	22	many	many	ADJ
fsr-3245	370	23	years	year	NOUN
fsr-3245	370	24	.	.	PUNCT
fsr-3245	371	1	i	i	PRON
fsr-3245	371	2	am	be	AUX
fsr-3245	371	3	willing	willing	ADJ
fsr-3245	371	4	to	to	PART
fsr-3245	371	5	sacrifice	sacrifice	VERB
fsr-3245	371	6	my	my	PRON
fsr-3245	371	7	immediate	immediate	ADJ
fsr-3245	371	8	happiness	happiness	NOUN
fsr-3245	371	9	or	or	CCONJ
fsr-3245	371	10	well	well	ADV
fsr-3245	371	11	-	-	PUNCT
fsr-3245	371	12	being	being	NOUN
fsr-3245	371	13	in	in	ADP
fsr-3245	371	14	order	order	NOUN
fsr-3245	371	15	to	to	PART
fsr-3245	371	16	achieve	achieve	VERB
fsr-3245	371	17	future	future	ADJ
fsr-3245	371	18	outcomes	outcome	NOUN
fsr-3245	371	19	.	.	PUNCT
fsr-3245	372	1	cfc_f2	cfc_f2	NOUN
fsr-3245	372	2	scale	scale	NOUN
fsr-3245	372	3	(	(	PUNCT
fsr-3245	372	4	�	�	PROPN
fsr-3245	372	5	�	�	PROPN
fsr-3245	372	6	0.71	0.71	NUM
fsr-3245	372	7	)	)	PUNCT
fsr-3245	372	8	often	often	ADV
fsr-3245	372	9	i	i	PRON
fsr-3245	372	10	engage	engage	VERB
fsr-3245	372	11	in	in	ADP
fsr-3245	372	12	a	a	DET
fsr-3245	372	13	particular	particular	ADJ
fsr-3245	372	14	behavior	behavior	NOUN
fsr-3245	372	15	in	in	ADP
fsr-3245	372	16	order	order	NOUN
fsr-3245	372	17	to	to	PART
fsr-3245	372	18	achieve	achieve	VERB
fsr-3245	372	19	outcomes	outcome	NOUN
fsr-3245	372	20	that	that	PRON
fsr-3245	372	21	may	may	AUX
fsr-3245	372	22	not	not	PART
fsr-3245	372	23	result	result	VERB
fsr-3245	372	24	for	for	ADP
fsr-3245	372	25	many	many	ADJ
fsr-3245	372	26	years	year	NOUN
fsr-3245	372	27	.	.	PUNCT
fsr-3245	373	1	i	i	PRON
fsr-3245	373	2	consider	consider	VERB
fsr-3245	373	3	how	how	SCONJ
fsr-3245	373	4	things	thing	NOUN
fsr-3245	373	5	might	might	AUX
fsr-3245	373	6	be	be	AUX
fsr-3245	373	7	in	in	ADP
fsr-3245	373	8	the	the	DET
fsr-3245	373	9	future	future	NOUN
fsr-3245	373	10	,	,	PUNCT
fsr-3245	373	11	and	and	CCONJ
fsr-3245	373	12	try	try	VERB
fsr-3245	373	13	to	to	PART
fsr-3245	373	14	influence	influence	VERB
fsr-3245	373	15	those	those	DET
fsr-3245	373	16	things	thing	NOUN
fsr-3245	373	17	with	with	ADP
fsr-3245	373	18	my	my	PRON
fsr-3245	373	19	day	day	NOUN
fsr-3245	373	20	to	to	ADP
fsr-3245	373	21	day	day	NOUN
fsr-3245	373	22	behavior	behavior	NOUN
fsr-3245	373	23	.	.	PUNCT
fsr-3245	374	1	the	the	DET
fsr-3245	374	2	cronbach	cronbach	NOUN
fsr-3245	374	3	’s	’s	PART
fsr-3245	374	4	�	�	PROPN
fsr-3245	374	5	for	for	ADP
fsr-3245	374	6	each	each	DET
fsr-3245	374	7	sub	sub	NOUN
fsr-3245	374	8	-	-	NOUN
fsr-3245	374	9	scale	scale	NOUN
fsr-3245	374	10	is	be	AUX
fsr-3245	374	11	reported	report	VERB
fsr-3245	374	12	in	in	ADP
fsr-3245	374	13	parentheses	parenthesis	NOUN
fsr-3245	374	14	after	after	ADP
fsr-3245	374	15	each	each	DET
fsr-3245	374	16	sub	sub	ADJ
fsr-3245	374	17	-	-	ADJ
fsr-3245	374	18	scale	scale	ADJ
fsr-3245	374	19	name	name	NOUN
fsr-3245	374	20	.	.	PUNCT
fsr-3245	375	1	the	the	DET
fsr-3245	375	2	cfc	cfc	PROPN
fsr-3245	375	3	sub	sub	NOUN
fsr-3245	375	4	-	-	NOUN
fsr-3245	375	5	scales	scale	NOUN
fsr-3245	375	6	were	be	AUX
fsr-3245	375	7	created	create	VERB
fsr-3245	375	8	by	by	ADP
fsr-3245	375	9	ryack	ryack	NOUN
fsr-3245	375	10	(	(	PUNCT
fsr-3245	375	11	2012	2012	NUM
fsr-3245	375	12	)	)	PUNCT
fsr-3245	375	13	in	in	ADP
fsr-3245	375	14	a	a	DET
fsr-3245	375	15	factor	factor	NOUN
fsr-3245	375	16	analysis	analysis	NOUN
fsr-3245	375	17	of	of	ADP
fsr-3245	375	18	professional	professional	ADJ
fsr-3245	375	19	financial	financial	ADJ
fsr-3245	375	20	advisors	advisor	NOUN
fsr-3245	375	21	’	'	PUNCT
fsr-3245	375	22	responses	response	NOUN
fsr-3245	375	23	to	to	ADP
fsr-3245	375	24	all	all	PRON
fsr-3245	375	25	of	of	ADP
fsr-3245	375	26	the	the	DET
fsr-3245	375	27	original	original	ADJ
fsr-3245	375	28	12	12	NUM
fsr-3245	375	29	cfc	cfc	NOUN
fsr-3245	375	30	scale	scale	NOUN
fsr-3245	375	31	items	item	NOUN
fsr-3245	375	32	(	(	PUNCT
fsr-3245	375	33	strathman	strathman	PROPN
fsr-3245	375	34	et	et	PROPN
fsr-3245	375	35	al	al	PROPN
fsr-3245	375	36	.	.	PROPN
fsr-3245	375	37	,	,	PUNCT
fsr-3245	375	38	1994	1994	NUM
fsr-3245	375	39	)	)	PUNCT
fsr-3245	375	40	.	.	PUNCT
fsr-3245	376	1	note	note	VERB
fsr-3245	376	2	that	that	SCONJ
fsr-3245	376	3	the	the	DET
fsr-3245	376	4	following	follow	VERB
fsr-3245	376	5	two	two	NUM
fsr-3245	376	6	items	item	NOUN
fsr-3245	376	7	loaded	load	VERB
fsr-3245	376	8	on	on	ADP
fsr-3245	376	9	both	both	CCONJ
fsr-3245	376	10	the	the	DET
fsr-3245	376	11	cfc_p1	cfc_p1	PROPN
fsr-3245	376	12	and	and	CCONJ
fsr-3245	376	13	cfc_p2	cfc_p2	ADJ
fsr-3245	376	14	factors	factor	NOUN
fsr-3245	376	15	and	and	CCONJ
fsr-3245	376	16	,	,	PUNCT
fsr-3245	376	17	therefore	therefore	ADV
fsr-3245	376	18	,	,	PUNCT
fsr-3245	376	19	are	be	AUX
fsr-3245	376	20	included	include	VERB
fsr-3245	376	21	in	in	ADP
fsr-3245	376	22	both	both	DET
fsr-3245	376	23	sub	sub	NOUN
fsr-3245	376	24	-	-	NOUN
fsr-3245	376	25	scales	scale	NOUN
fsr-3245	376	26	:	:	PUNCT
fsr-3245	376	27	“	"	PUNCT
fsr-3245	376	28	i	i	PRON
fsr-3245	376	29	primarily	primarily	ADV
fsr-3245	376	30	act	act	VERB
fsr-3245	376	31	to	to	PART
fsr-3245	376	32	satisfy	satisfy	VERB
fsr-3245	376	33	immediate	immediate	ADJ
fsr-3245	376	34	concerns	concern	NOUN
fsr-3245	376	35	,	,	PUNCT
fsr-3245	376	36	figuring	figure	VERB
fsr-3245	376	37	that	that	SCONJ
fsr-3245	376	38	i	i	PRON
fsr-3245	376	39	will	will	AUX
fsr-3245	376	40	take	take	VERB
fsr-3245	376	41	care	care	NOUN
fsr-3245	376	42	of	of	ADP
fsr-3245	376	43	future	future	ADJ
fsr-3245	376	44	problems	problem	NOUN
fsr-3245	376	45	that	that	PRON
fsr-3245	376	46	may	may	AUX
fsr-3245	376	47	occur	occur	VERB
fsr-3245	376	48	at	at	ADP
fsr-3245	376	49	a	a	DET
fsr-3245	376	50	later	later	ADJ
fsr-3245	376	51	date	date	NOUN
fsr-3245	376	52	”	"	PUNCT
fsr-3245	376	53	and	and	CCONJ
fsr-3245	376	54	“	"	PUNCT
fsr-3245	376	55	i	i	PRON
fsr-3245	376	56	primarily	primarily	ADV
fsr-3245	376	57	act	act	VERB
fsr-3245	376	58	to	to	PART
fsr-3245	376	59	satisfy	satisfy	VERB
fsr-3245	376	60	immediate	immediate	ADJ
fsr-3245	376	61	concerns	concern	NOUN
fsr-3245	376	62	,	,	PUNCT
fsr-3245	376	63	figuring	figure	VERB
fsr-3245	376	64	the	the	DET
fsr-3245	376	65	future	future	NOUN
fsr-3245	376	66	will	will	AUX
fsr-3245	376	67	take	take	VERB
fsr-3245	376	68	care	care	NOUN
fsr-3245	376	69	of	of	ADP
fsr-3245	376	70	itself	itself	PRON
fsr-3245	376	71	.	.	PUNCT
fsr-3245	376	72	”	"	PUNCT
fsr-3245	377	1	406	406	NUM
fsr-3245	377	2	k.n	k.n	PROPN
fsr-3245	377	3	.	.	PROPN
fsr-3245	377	4	ryack	ryack	PROPN
fsr-3245	377	5	/	/	SYM
fsr-3245	377	6	financial	financial	ADJ
fsr-3245	377	7	services	service	NOUN
fsr-3245	377	8	review	review	VERB
fsr-3245	377	9	24	24	NUM
fsr-3245	377	10	(	(	PUNCT
fsr-3245	377	11	2015	2015	NUM
fsr-3245	377	12	)	)	PUNCT
fsr-3245	378	1	387–410	387–410	NUM
fsr-3245	378	2	appendix	appendix	VERB
fsr-3245	378	3	c	c	NOUN
fsr-3245	378	4	:	:	PUNCT
fsr-3245	378	5	zimbardo	zimbardo	NOUN
fsr-3245	378	6	time	time	NOUN
fsr-3245	378	7	perspective	perspective	PROPN
fsr-3245	378	8	inventory	inventory	NOUN
fsr-3245	378	9	(	(	PUNCT
fsr-3245	378	10	ztpi	ztpi	NOUN
fsr-3245	378	11	)	)	PUNCT
fsr-3245	378	12	sub	sub	ADJ
fsr-3245	378	13	-	-	ADJ
fsr-3245	378	14	scale	scale	ADJ
fsr-3245	378	15	items	item	NOUN
fsr-3245	378	16	zpres_1	zpres_1	NOUN
fsr-3245	378	17	scale	scale	NOUN
fsr-3245	378	18	(	(	PUNCT
fsr-3245	378	19	�	�	PROPN
fsr-3245	378	20	�	�	PROPN
fsr-3245	378	21	0.77	0.77	NUM
fsr-3245	378	22	)	)	PUNCT
fsr-3245	379	1	i	i	PRON
fsr-3245	379	2	do	do	VERB
fsr-3245	379	3	things	thing	NOUN
fsr-3245	379	4	impulsively	impulsively	ADV
fsr-3245	379	5	.	.	PUNCT
fsr-3245	380	1	i	i	PRON
fsr-3245	380	2	find	find	VERB
fsr-3245	380	3	myself	myself	PRON
fsr-3245	380	4	getting	getting	AUX
fsr-3245	380	5	swept	sweep	VERB
fsr-3245	380	6	up	up	ADP
fsr-3245	380	7	in	in	ADP
fsr-3245	380	8	the	the	DET
fsr-3245	380	9	excitement	excitement	NOUN
fsr-3245	380	10	of	of	ADP
fsr-3245	380	11	the	the	DET
fsr-3245	380	12	moment	moment	NOUN
fsr-3245	380	13	.	.	PUNCT
fsr-3245	381	1	i	i	PRON
fsr-3245	381	2	make	make	VERB
fsr-3245	381	3	decisions	decision	NOUN
fsr-3245	381	4	on	on	ADP
fsr-3245	381	5	the	the	DET
fsr-3245	381	6	spur	spur	NOUN
fsr-3245	381	7	of	of	ADP
fsr-3245	381	8	the	the	DET
fsr-3245	381	9	moment	moment	NOUN
fsr-3245	381	10	.	.	PUNCT
fsr-3245	382	1	i	i	PRON
fsr-3245	382	2	prefer	prefer	VERB
fsr-3245	382	3	friends	friend	NOUN
fsr-3245	382	4	who	who	PRON
fsr-3245	382	5	are	be	AUX
fsr-3245	382	6	spontaneous	spontaneous	ADJ
fsr-3245	382	7	rather	rather	ADV
fsr-3245	382	8	than	than	ADP
fsr-3245	382	9	predictable	predictable	ADJ
fsr-3245	382	10	.	.	PUNCT
fsr-3245	383	1	zpres_2	zpres_2	NOUN
fsr-3245	383	2	scale	scale	NOUN
fsr-3245	383	3	(	(	PUNCT
fsr-3245	383	4	�	�	PROPN
fsr-3245	383	5	�	�	PROPN
fsr-3245	383	6	0.72	0.72	NUM
fsr-3245	383	7	)	)	PUNCT
fsr-3245	384	1	i	i	PRON
fsr-3245	384	2	try	try	VERB
fsr-3245	384	3	to	to	PART
fsr-3245	384	4	live	live	VERB
fsr-3245	384	5	my	my	PRON
fsr-3245	384	6	life	life	NOUN
fsr-3245	384	7	as	as	ADV
fsr-3245	384	8	fully	fully	ADV
fsr-3245	384	9	as	as	ADP
fsr-3245	384	10	possible	possible	ADJ
fsr-3245	384	11	,	,	PUNCT
fsr-3245	384	12	one	one	NUM
fsr-3245	384	13	day	day	NOUN
fsr-3245	384	14	at	at	ADP
fsr-3245	384	15	a	a	DET
fsr-3245	384	16	time	time	NOUN
fsr-3245	384	17	.	.	PUNCT
fsr-3245	385	1	taking	take	VERB
fsr-3245	385	2	risks	risk	NOUN
fsr-3245	385	3	keeps	keep	VERB
fsr-3245	385	4	my	my	PRON
fsr-3245	385	5	life	life	NOUN
fsr-3245	385	6	from	from	ADP
fsr-3245	385	7	becoming	become	VERB
fsr-3245	385	8	boring	bore	VERB
fsr-3245	385	9	.	.	PUNCT
fsr-3245	386	1	it	it	PRON
fsr-3245	386	2	is	be	AUX
fsr-3245	386	3	important	important	ADJ
fsr-3245	386	4	to	to	PART
fsr-3245	386	5	put	put	VERB
fsr-3245	386	6	excitement	excitement	NOUN
fsr-3245	386	7	in	in	ADP
fsr-3245	386	8	my	my	PRON
fsr-3245	386	9	life	life	NOUN
fsr-3245	386	10	.	.	PUNCT
fsr-3245	387	1	it	it	PRON
fsr-3245	387	2	is	be	AUX
fsr-3245	387	3	more	more	ADV
fsr-3245	387	4	important	important	ADJ
fsr-3245	387	5	for	for	SCONJ
fsr-3245	387	6	me	i	PRON
fsr-3245	387	7	to	to	PART
fsr-3245	387	8	enjoy	enjoy	VERB
fsr-3245	387	9	life	life	NOUN
fsr-3245	387	10	’s	’s	PART
fsr-3245	387	11	journey	journey	NOUN
fsr-3245	387	12	than	than	SCONJ
fsr-3245	387	13	to	to	PART
fsr-3245	387	14	focus	focus	VERB
fsr-3245	387	15	only	only	ADV
fsr-3245	387	16	on	on	ADP
fsr-3245	387	17	the	the	DET
fsr-3245	387	18	destination	destination	NOUN
fsr-3245	387	19	.	.	PUNCT
fsr-3245	388	1	zfut_1	zfut_1	ADJ
fsr-3245	388	2	scale	scale	NOUN
fsr-3245	388	3	(	(	PUNCT
fsr-3245	388	4	�	�	PROPN
fsr-3245	388	5	�	�	PROPN
fsr-3245	388	6	0.67	0.67	NUM
fsr-3245	388	7	)	)	PUNCT
fsr-3245	389	1	i	i	PRON
fsr-3245	389	2	am	be	AUX
fsr-3245	389	3	able	able	ADJ
fsr-3245	389	4	to	to	PART
fsr-3245	389	5	resist	resist	VERB
fsr-3245	389	6	temptations	temptation	NOUN
fsr-3245	389	7	when	when	SCONJ
fsr-3245	389	8	i	i	PRON
fsr-3245	389	9	know	know	VERB
fsr-3245	389	10	there	there	PRON
fsr-3245	389	11	is	be	VERB
fsr-3245	389	12	work	work	NOUN
fsr-3245	389	13	to	to	PART
fsr-3245	389	14	be	be	AUX
fsr-3245	389	15	done	do	VERB
fsr-3245	389	16	.	.	PUNCT
fsr-3245	390	1	meeting	meet	VERB
fsr-3245	390	2	tomorrow	tomorrow	NOUN
fsr-3245	390	3	’s	’s	PART
fsr-3245	390	4	deadlines	deadline	NOUN
fsr-3245	390	5	and	and	CCONJ
fsr-3245	390	6	doing	do	VERB
fsr-3245	390	7	other	other	ADJ
fsr-3245	390	8	necessary	necessary	ADJ
fsr-3245	390	9	work	work	NOUN
fsr-3245	390	10	comes	come	VERB
fsr-3245	390	11	before	before	ADP
fsr-3245	390	12	tonight	tonight	NOUN
fsr-3245	390	13	’s	’s	PART
fsr-3245	390	14	play	play	NOUN
fsr-3245	390	15	.	.	PUNCT
fsr-3245	391	1	i	i	PRON
fsr-3245	391	2	keep	keep	VERB
fsr-3245	391	3	working	work	VERB
fsr-3245	391	4	at	at	ADP
fsr-3245	391	5	a	a	DET
fsr-3245	391	6	difficult	difficult	ADJ
fsr-3245	391	7	,	,	PUNCT
fsr-3245	391	8	uninteresting	uninteresting	ADJ
fsr-3245	391	9	task	task	NOUN
fsr-3245	391	10	if	if	SCONJ
fsr-3245	391	11	it	it	PRON
fsr-3245	391	12	will	will	AUX
fsr-3245	391	13	help	help	VERB
fsr-3245	391	14	me	i	PRON
fsr-3245	391	15	get	get	VERB
fsr-3245	391	16	ahead	ahead	ADV
fsr-3245	391	17	.	.	PUNCT
fsr-3245	392	1	i	i	PRON
fsr-3245	392	2	complete	complete	VERB
fsr-3245	392	3	projects	project	NOUN
fsr-3245	392	4	on	on	ADP
fsr-3245	392	5	time	time	NOUN
fsr-3245	392	6	by	by	ADP
fsr-3245	392	7	making	make	VERB
fsr-3245	392	8	steady	steady	ADJ
fsr-3245	392	9	progress	progress	NOUN
fsr-3245	392	10	.	.	PUNCT
fsr-3245	393	1	zfut_2	zfut_2	NOUN
fsr-3245	393	2	scale	scale	NOUN
fsr-3245	393	3	(	(	PUNCT
fsr-3245	393	4	�	�	PROPN
fsr-3245	393	5	�	�	PROPN
fsr-3245	393	6	0.79	0.79	NUM
fsr-3245	393	7	)	)	PUNCT
fsr-3245	394	1	i	i	PRON
fsr-3245	394	2	meet	meet	VERB
fsr-3245	394	3	my	my	PRON
fsr-3245	394	4	obligations	obligation	NOUN
fsr-3245	394	5	to	to	ADP
fsr-3245	394	6	friends	friend	NOUN
fsr-3245	394	7	and	and	CCONJ
fsr-3245	394	8	authorities	authority	NOUN
fsr-3245	394	9	on	on	ADP
fsr-3245	394	10	time	time	NOUN
fsr-3245	394	11	.	.	PUNCT
fsr-3245	395	1	it	it	PRON
fsr-3245	395	2	upsets	upset	VERB
fsr-3245	395	3	me	i	PRON
fsr-3245	395	4	to	to	PART
fsr-3245	395	5	be	be	AUX
fsr-3245	395	6	late	late	ADJ
fsr-3245	395	7	for	for	ADP
fsr-3245	395	8	appointments	appointment	NOUN
fsr-3245	395	9	.	.	PUNCT
fsr-3245	396	1	zfut_3	zfut_3	NUM
fsr-3245	396	2	scale	scale	NOUN
fsr-3245	396	3	(	(	PUNCT
fsr-3245	396	4	�	�	PROPN
fsr-3245	396	5	�	�	PROPN
fsr-3245	396	6	0.62	0.62	NUM
fsr-3245	396	7	)	)	PUNCT
fsr-3245	397	1	i	i	PRON
fsr-3245	397	2	believe	believe	VERB
fsr-3245	397	3	a	a	DET
fsr-3245	397	4	person	person	NOUN
fsr-3245	397	5	’s	’s	PART
fsr-3245	397	6	day	day	NOUN
fsr-3245	397	7	should	should	AUX
fsr-3245	397	8	be	be	AUX
fsr-3245	397	9	planned	plan	VERB
fsr-3245	397	10	ahead	ahead	ADV
fsr-3245	397	11	each	each	DET
fsr-3245	397	12	morning	morning	NOUN
fsr-3245	397	13	.	.	PUNCT
fsr-3245	398	1	when	when	SCONJ
fsr-3245	398	2	i	i	PRON
fsr-3245	398	3	want	want	VERB
fsr-3245	398	4	to	to	PART
fsr-3245	398	5	achieve	achieve	VERB
fsr-3245	398	6	something	something	PRON
fsr-3245	398	7	,	,	PUNCT
fsr-3245	398	8	i	i	PRON
fsr-3245	398	9	set	set	VERB
fsr-3245	398	10	goals	goal	NOUN
fsr-3245	398	11	and	and	CCONJ
fsr-3245	398	12	consider	consider	VERB
fsr-3245	398	13	specific	specific	ADJ
fsr-3245	398	14	means	mean	NOUN
fsr-3245	398	15	for	for	ADP
fsr-3245	398	16	reaching	reach	VERB
fsr-3245	398	17	those	those	DET
fsr-3245	398	18	goals	goal	NOUN
fsr-3245	398	19	.	.	PUNCT
fsr-3245	399	1	i	i	PRON
fsr-3245	399	2	make	make	VERB
fsr-3245	399	3	lists	list	NOUN
fsr-3245	399	4	of	of	ADP
fsr-3245	399	5	things	thing	NOUN
fsr-3245	399	6	i	i	PRON
fsr-3245	399	7	must	must	AUX
fsr-3245	399	8	do	do	VERB
fsr-3245	399	9	.	.	PUNCT
fsr-3245	400	1	the	the	DET
fsr-3245	400	2	cronbach	cronbach	NOUN
fsr-3245	400	3	’s	’s	PART
fsr-3245	400	4	�	�	PROPN
fsr-3245	400	5	for	for	ADP
fsr-3245	400	6	each	each	DET
fsr-3245	400	7	sub	sub	NOUN
fsr-3245	400	8	-	-	NOUN
fsr-3245	400	9	scale	scale	NOUN
fsr-3245	400	10	is	be	AUX
fsr-3245	400	11	reported	report	VERB
fsr-3245	400	12	in	in	ADP
fsr-3245	400	13	parentheses	parenthesis	NOUN
fsr-3245	400	14	after	after	ADP
fsr-3245	400	15	each	each	DET
fsr-3245	400	16	sub	sub	ADJ
fsr-3245	400	17	-	-	ADJ
fsr-3245	400	18	scale	scale	ADJ
fsr-3245	400	19	name	name	NOUN
fsr-3245	400	20	.	.	PUNCT
fsr-3245	401	1	the	the	DET
fsr-3245	401	2	ztpi	ztpi	NOUN
fsr-3245	401	3	sub	sub	NOUN
fsr-3245	401	4	-	-	NOUN
fsr-3245	401	5	scales	scale	NOUN
fsr-3245	401	6	were	be	AUX
fsr-3245	401	7	created	create	VERB
fsr-3245	401	8	by	by	ADP
fsr-3245	401	9	ryack	ryack	NOUN
fsr-3245	401	10	(	(	PUNCT
fsr-3245	401	11	2012	2012	NUM
fsr-3245	401	12	)	)	PUNCT
fsr-3245	401	13	in	in	ADP
fsr-3245	401	14	factor	factor	NOUN
fsr-3245	401	15	analyses	analysis	NOUN
fsr-3245	401	16	of	of	ADP
fsr-3245	401	17	professional	professional	ADJ
fsr-3245	401	18	financial	financial	ADJ
fsr-3245	401	19	advisors	advisor	NOUN
fsr-3245	401	20	’	'	PUNCT
fsr-3245	401	21	responses	response	NOUN
fsr-3245	401	22	to	to	ADP
fsr-3245	401	23	nine	nine	NUM
fsr-3245	401	24	of	of	ADP
fsr-3245	401	25	the	the	DET
fsr-3245	401	26	15	15	NUM
fsr-3245	401	27	original	original	ADJ
fsr-3245	401	28	ztpi	ztpi	NOUN
fsr-3245	401	29	present	present	ADJ
fsr-3245	401	30	-	-	PUNCT
fsr-3245	401	31	hedonistic	hedonistic	ADJ
fsr-3245	401	32	scale	scale	NOUN
fsr-3245	401	33	items	item	NOUN
fsr-3245	401	34	and	and	CCONJ
fsr-3245	401	35	nine	nine	NUM
fsr-3245	401	36	of	of	ADP
fsr-3245	401	37	the	the	DET
fsr-3245	401	38	13	13	NUM
fsr-3245	401	39	original	original	ADJ
fsr-3245	401	40	ztpi	ztpi	NOUN
fsr-3245	401	41	future	future	ADJ
fsr-3245	401	42	scale	scale	NOUN
fsr-3245	401	43	items	item	NOUN
fsr-3245	401	44	(	(	PUNCT
fsr-3245	401	45	zimbardo	zimbardo	NOUN
fsr-3245	401	46	and	and	CCONJ
fsr-3245	401	47	boyd	boyd	PROPN
fsr-3245	401	48	,	,	PUNCT
fsr-3245	401	49	1999	1999	NUM
fsr-3245	401	50	)	)	PUNCT
fsr-3245	401	51	.	.	PUNCT
fsr-3245	402	1	in	in	ADP
fsr-3245	402	2	conducting	conduct	VERB
fsr-3245	402	3	the	the	DET
fsr-3245	402	4	factor	factor	NOUN
fsr-3245	402	5	analyses	analyse	VERB
fsr-3245	402	6	,	,	PUNCT
fsr-3245	402	7	the	the	DET
fsr-3245	402	8	ryack	ryack	NOUN
fsr-3245	402	9	(	(	PUNCT
fsr-3245	402	10	2012	2012	NUM
fsr-3245	402	11	)	)	PUNCT
fsr-3245	402	12	study	study	NOUN
fsr-3245	402	13	excluded	exclude	VERB
fsr-3245	402	14	three	three	NUM
fsr-3245	402	15	present	present	ADJ
fsr-3245	402	16	-	-	PUNCT
fsr-3245	402	17	hedonistic	hedonistic	ADJ
fsr-3245	402	18	scale	scale	NOUN
fsr-3245	402	19	items	item	NOUN
fsr-3245	402	20	and	and	CCONJ
fsr-3245	402	21	four	four	NUM
fsr-3245	402	22	future	future	ADJ
fsr-3245	402	23	scale	scale	NOUN
fsr-3245	402	24	items	item	NOUN
fsr-3245	402	25	that	that	PRON
fsr-3245	402	26	the	the	DET
fsr-3245	402	27	original	original	ADJ
fsr-3245	402	28	zimbardo	zimbardo	NOUN
fsr-3245	402	29	and	and	CCONJ
fsr-3245	402	30	boyd	boyd	PROPN
fsr-3245	402	31	(	(	PUNCT
fsr-3245	402	32	1999	1999	NUM
fsr-3245	402	33	)	)	PUNCT
fsr-3245	402	34	study	study	NOUN
fsr-3245	402	35	found	find	VERB
fsr-3245	402	36	to	to	PART
fsr-3245	402	37	have	have	VERB
fsr-3245	402	38	a	a	DET
fsr-3245	402	39	negative	negative	ADJ
fsr-3245	402	40	factor	factor	NOUN
fsr-3245	402	41	loading	loading	NOUN
fsr-3245	402	42	or	or	CCONJ
fsr-3245	402	43	a	a	DET
fsr-3245	402	44	loading	loading	NOUN
fsr-3245	402	45	below	below	ADP
fsr-3245	402	46	0.40	0.40	NUM
fsr-3245	402	47	.	.	PUNCT
fsr-3245	403	1	three	three	NUM
fsr-3245	403	2	items	item	NOUN
fsr-3245	403	3	from	from	ADP
fsr-3245	403	4	the	the	DET
fsr-3245	403	5	original	original	ADJ
fsr-3245	403	6	ztpi	ztpi	NOUN
fsr-3245	403	7	present	present	ADJ
fsr-3245	403	8	-	-	PUNCT
fsr-3245	403	9	hedonistic	hedonistic	ADJ
fsr-3245	403	10	scale	scale	NOUN
fsr-3245	403	11	were	be	AUX
fsr-3245	403	12	also	also	ADV
fsr-3245	403	13	excluded	exclude	VERB
fsr-3245	403	14	because	because	SCONJ
fsr-3245	403	15	two	two	NUM
fsr-3245	403	16	were	be	AUX
fsr-3245	403	17	felt	feel	VERB
fsr-3245	403	18	to	to	PART
fsr-3245	403	19	be	be	AUX
fsr-3245	403	20	inappropriate	inappropriate	ADJ
fsr-3245	403	21	for	for	ADP
fsr-3245	403	22	professional	professional	ADJ
fsr-3245	403	23	financial	financial	ADJ
fsr-3245	403	24	advisors	advisor	NOUN
fsr-3245	403	25	and	and	CCONJ
fsr-3245	403	26	one	one	NUM
fsr-3245	403	27	was	be	AUX
fsr-3245	403	28	redundant	redundant	ADJ
fsr-3245	403	29	with	with	ADP
fsr-3245	403	30	another	another	DET
fsr-3245	403	31	item	item	NOUN
fsr-3245	403	32	that	that	PRON
fsr-3245	403	33	had	have	VERB
fsr-3245	403	34	a	a	DET
fsr-3245	403	35	high	high	ADJ
fsr-3245	403	36	factor	factor	NOUN
fsr-3245	403	37	loading	loading	NOUN
fsr-3245	403	38	.	.	PUNCT
fsr-3245	404	1	the	the	DET
fsr-3245	404	2	factor	factor	NOUN
fsr-3245	404	3	analyses	analysis	NOUN
fsr-3245	404	4	of	of	ADP
fsr-3245	404	5	the	the	DET
fsr-3245	404	6	18	18	NUM
fsr-3245	404	7	items	item	NOUN
fsr-3245	404	8	in	in	ADP
fsr-3245	404	9	the	the	DET
fsr-3245	404	10	ryack	ryack	NOUN
fsr-3245	404	11	(	(	PUNCT
fsr-3245	404	12	2012	2012	NUM
fsr-3245	404	13	)	)	PUNCT
fsr-3245	404	14	study	study	NOUN
fsr-3245	404	15	yielded	yield	VERB
fsr-3245	404	16	two	two	NUM
fsr-3245	404	17	distinct	distinct	ADJ
fsr-3245	404	18	present	present	ADJ
fsr-3245	404	19	sub	sub	NOUN
fsr-3245	404	20	-	-	NOUN
fsr-3245	404	21	scales	scale	NOUN
fsr-3245	404	22	(	(	PUNCT
fsr-3245	404	23	eight	eight	NUM
fsr-3245	404	24	total	total	ADJ
fsr-3245	404	25	items	item	NOUN
fsr-3245	404	26	)	)	PUNCT
fsr-3245	404	27	and	and	CCONJ
fsr-3245	404	28	three	three	NUM
fsr-3245	404	29	distinct	distinct	ADJ
fsr-3245	404	30	future	future	ADJ
fsr-3245	404	31	scales	scale	NOUN
fsr-3245	404	32	(	(	PUNCT
fsr-3245	404	33	nine	nine	NUM
fsr-3245	404	34	total	total	ADJ
fsr-3245	404	35	items	item	NOUN
fsr-3245	404	36	)	)	PUNCT
fsr-3245	404	37	.	.	PUNCT
fsr-3245	405	1	one	one	NUM
fsr-3245	405	2	of	of	ADP
fsr-3245	405	3	the	the	DET
fsr-3245	405	4	present	present	ADJ
fsr-3245	405	5	items	item	NOUN
fsr-3245	405	6	did	do	AUX
fsr-3245	405	7	not	not	PART
fsr-3245	405	8	make	make	VERB
fsr-3245	405	9	it	it	PRON
fsr-3245	405	10	into	into	ADP
fsr-3245	405	11	the	the	DET
fsr-3245	405	12	sub	sub	NOUN
fsr-3245	405	13	-	-	NOUN
fsr-3245	405	14	scales	scale	NOUN
fsr-3245	405	15	because	because	SCONJ
fsr-3245	405	16	of	of	ADP
fsr-3245	405	17	its	its	PRON
fsr-3245	405	18	low	low	ADJ
fsr-3245	405	19	factor	factor	NOUN
fsr-3245	405	20	loading	loading	NOUN
fsr-3245	405	21	.	.	PUNCT
fsr-3245	406	1	407k.n	407k.n	X
fsr-3245	406	2	.	.	PUNCT
fsr-3245	406	3	ryack	ryack	NOUN
fsr-3245	406	4	/	/	SYM
fsr-3245	406	5	financial	financial	ADJ
fsr-3245	406	6	services	service	NOUN
fsr-3245	406	7	review	review	VERB
fsr-3245	406	8	24	24	NUM
fsr-3245	406	9	(	(	PUNCT
fsr-3245	406	10	2015	2015	NUM
fsr-3245	406	11	)	)	PUNCT
fsr-3245	407	1	387–410	387–410	NUM
fsr-3245	407	2	references	reference	NOUN
fsr-3245	407	3	adelabu	adelabu	PROPN
fsr-3245	407	4	,	,	PUNCT
fsr-3245	407	5	d.	d.	PROPN
fsr-3245	407	6	h.	h.	PROPN
fsr-3245	407	7	(	(	PUNCT
fsr-3245	407	8	2007	2007	NUM
fsr-3245	407	9	)	)	PUNCT
fsr-3245	407	10	.	.	PUNCT
fsr-3245	408	1	time	time	NOUN
fsr-3245	408	2	perspective	perspective	NOUN
fsr-3245	408	3	and	and	CCONJ
fsr-3245	408	4	school	school	NOUN
fsr-3245	408	5	membership	membership	NOUN
fsr-3245	408	6	as	as	SCONJ
fsr-3245	408	7	correlates	correlate	VERB
fsr-3245	408	8	to	to	ADP
fsr-3245	408	9	academic	academic	ADJ
fsr-3245	408	10	achievement	achievement	NOUN
fsr-3245	408	11	among	among	ADP
fsr-3245	408	12	african	african	ADJ
fsr-3245	408	13	american	american	ADJ
fsr-3245	408	14	adolescents	adolescent	NOUN
fsr-3245	408	15	.	.	PUNCT
fsr-3245	409	1	adolescence	adolescence	NOUN
fsr-3245	409	2	,	,	PUNCT
fsr-3245	409	3	42	42	NUM
fsr-3245	409	4	,	,	PUNCT
fsr-3245	409	5	525–538	525–538	NUM
fsr-3245	409	6	.	.	PUNCT
fsr-3245	409	7	aicpa	aicpa	PROPN
fsr-3245	409	8	.	.	PUNCT
fsr-3245	410	1	(	(	PUNCT
fsr-3245	410	2	2005	2005	NUM
fsr-3245	410	3	)	)	PUNCT
fsr-3245	410	4	.	.	PUNCT
fsr-3245	411	1	what	what	PRON
fsr-3245	411	2	are	be	AUX
fsr-3245	411	3	personal	personal	ADJ
fsr-3245	411	4	financial	financial	ADJ
fsr-3245	411	5	planning	planning	NOUN
fsr-3245	411	6	services	service	NOUN
fsr-3245	411	7	and	and	CCONJ
fsr-3245	411	8	why	why	SCONJ
fsr-3245	411	9	should	should	AUX
fsr-3245	411	10	i	i	PRON
fsr-3245	411	11	get	get	AUX
fsr-3245	411	12	involved	involve	VERB
fsr-3245	411	13	?	?	PUNCT
fsr-3245	412	1	retrieved	retrieve	VERB
fsr-3245	412	2	from	from	ADP
fsr-3245	412	3	www.aicpa.org/innovation/fp/pfp/homepage.htm	www.aicpa.org/innovation/fp/pfp/homepage.htm	NUM
fsr-3245	412	4	beach	beach	NOUN
fsr-3245	412	5	,	,	PUNCT
fsr-3245	412	6	l.	l.	PROPN
fsr-3245	412	7	r.	r.	PROPN
fsr-3245	412	8	,	,	PUNCT
fsr-3245	412	9	&	&	CCONJ
fsr-3245	412	10	mitchell	mitchell	PROPN
fsr-3245	412	11	,	,	PUNCT
fsr-3245	412	12	t.	t.	PROPN
fsr-3245	412	13	r.	r.	PROPN
fsr-3245	412	14	(	(	PUNCT
fsr-3245	412	15	1978	1978	NUM
fsr-3245	412	16	)	)	PUNCT
fsr-3245	412	17	.	.	PUNCT
fsr-3245	413	1	a	a	DET
fsr-3245	413	2	contingency	contingency	NOUN
fsr-3245	413	3	model	model	NOUN
fsr-3245	413	4	for	for	ADP
fsr-3245	413	5	the	the	DET
fsr-3245	413	6	selection	selection	NOUN
fsr-3245	413	7	of	of	ADP
fsr-3245	413	8	decision	decision	NOUN
fsr-3245	413	9	strategies	strategy	NOUN
fsr-3245	413	10	.	.	PUNCT
fsr-3245	414	1	academy	academy	PROPN
fsr-3245	414	2	of	of	ADP
fsr-3245	414	3	management	management	PROPN
fsr-3245	414	4	review	review	NOUN
fsr-3245	414	5	,	,	PUNCT
fsr-3245	414	6	3	3	NUM
fsr-3245	414	7	,	,	PUNCT
fsr-3245	414	8	349–449	349–449	NUM
fsr-3245	414	9	.	.	PUNCT
fsr-3245	415	1	berkeley	berkeley	PROPN
fsr-3245	415	2	,	,	PUNCT
fsr-3245	415	3	d.	d.	PROPN
fsr-3245	415	4	,	,	PUNCT
fsr-3245	415	5	&	&	CCONJ
fsr-3245	415	6	humphreys	humphreys	PROPN
fsr-3245	415	7	,	,	PUNCT
fsr-3245	415	8	p.	p.	NOUN
fsr-3245	415	9	(	(	PUNCT
fsr-3245	415	10	1982	1982	NUM
fsr-3245	415	11	)	)	PUNCT
fsr-3245	415	12	.	.	PUNCT
fsr-3245	416	1	structuring	structure	VERB
fsr-3245	416	2	decision	decision	NOUN
fsr-3245	416	3	problems	problem	NOUN
fsr-3245	416	4	and	and	CCONJ
fsr-3245	416	5	the	the	DET
fsr-3245	416	6	‘	'	PUNCT
fsr-3245	416	7	bias	bias	NOUN
fsr-3245	416	8	heuristic	heuristic	NOUN
fsr-3245	416	9	.	.	PUNCT
fsr-3245	416	10	’	'	PUNCT
fsr-3245	417	1	acta	acta	PROPN
fsr-3245	417	2	psychologica	psychologica	PROPN
fsr-3245	417	3	,	,	PUNCT
fsr-3245	417	4	50	50	NUM
fsr-3245	417	5	,	,	PUNCT
fsr-3245	417	6	201–252	201–252	NUM
fsr-3245	417	7	.	.	PUNCT
fsr-3245	418	1	black	black	ADJ
fsr-3245	418	2	,	,	PUNCT
fsr-3245	418	3	k.	k.	PROPN
fsr-3245	418	4	,	,	PUNCT
fsr-3245	418	5	jr	jr	PROPN
fsr-3245	418	6	.	.	PROPN
fsr-3245	418	7	,	,	PUNCT
fsr-3245	418	8	ciccotello	ciccotello	PROPN
fsr-3245	418	9	,	,	PUNCT
fsr-3245	418	10	c.	c.	PROPN
fsr-3245	418	11	s.	s.	PROPN
fsr-3245	418	12	,	,	PUNCT
fsr-3245	418	13	&	&	CCONJ
fsr-3245	418	14	skipper	skipper	PROPN
fsr-3245	418	15	,	,	PUNCT
fsr-3245	418	16	h.	h.	PROPN
fsr-3245	418	17	d.	d.	PROPN
fsr-3245	418	18	,	,	PUNCT
fsr-3245	418	19	jr	jr	PROPN
fsr-3245	418	20	.	.	PROPN
fsr-3245	418	21	(	(	PUNCT
fsr-3245	418	22	2002	2002	NUM
fsr-3245	418	23	)	)	PUNCT
fsr-3245	418	24	.	.	PUNCT
fsr-3245	419	1	issues	issue	NOUN
fsr-3245	419	2	in	in	ADP
fsr-3245	419	3	comprehensive	comprehensive	ADJ
fsr-3245	419	4	personal	personal	ADJ
fsr-3245	419	5	financial	financial	ADJ
fsr-3245	419	6	planning	planning	NOUN
fsr-3245	419	7	.	.	PUNCT
fsr-3245	420	1	financial	financial	ADJ
fsr-3245	420	2	services	service	NOUN
fsr-3245	420	3	review	review	PROPN
fsr-3245	420	4	,	,	PUNCT
fsr-3245	420	5	11	11	NUM
fsr-3245	420	6	,	,	PUNCT
fsr-3245	420	7	1–9	1–9	PROPN
fsr-3245	420	8	.	.	PUNCT
fsr-3245	421	1	boniwell	boniwell	PROPN
fsr-3245	421	2	,	,	PUNCT
fsr-3245	421	3	i.	i.	PROPN
fsr-3245	421	4	,	,	PUNCT
fsr-3245	421	5	&	&	CCONJ
fsr-3245	421	6	zimbardo	zimbardo	PROPN
fsr-3245	421	7	,	,	PUNCT
fsr-3245	421	8	p.	p.	NOUN
fsr-3245	421	9	g.	g.	PROPN
fsr-3245	421	10	(	(	PUNCT
fsr-3245	421	11	2004	2004	NUM
fsr-3245	421	12	)	)	PUNCT
fsr-3245	421	13	.	.	PUNCT
fsr-3245	422	1	balancing	balance	VERB
fsr-3245	422	2	one	one	NUM
fsr-3245	422	3	’s	’s	PART
fsr-3245	422	4	time	time	NOUN
fsr-3245	422	5	perspective	perspective	NOUN
fsr-3245	422	6	in	in	ADP
fsr-3245	422	7	pursuit	pursuit	NOUN
fsr-3245	422	8	of	of	ADP
fsr-3245	422	9	optimal	optimal	ADJ
fsr-3245	422	10	functioning	functioning	NOUN
fsr-3245	422	11	.	.	PUNCT
fsr-3245	423	1	in	in	ADP
fsr-3245	423	2	p.	p.	PROPN
fsr-3245	423	3	a.	a.	PROPN
fsr-3245	423	4	linley	linley	PROPN
fsr-3245	423	5	&	&	CCONJ
fsr-3245	423	6	s.	s.	PROPN
fsr-3245	423	7	joseph	joseph	PROPN
fsr-3245	423	8	(	(	PUNCT
fsr-3245	423	9	eds	eds	PROPN
fsr-3245	423	10	.	.	PUNCT
fsr-3245	423	11	)	)	PUNCT
fsr-3245	423	12	,	,	PUNCT
fsr-3245	423	13	positive	positive	ADJ
fsr-3245	423	14	psychology	psychology	NOUN
fsr-3245	423	15	in	in	ADP
fsr-3245	423	16	practice	practice	NOUN
fsr-3245	423	17	.	.	PUNCT
fsr-3245	424	1	hoboken	hoboken	PROPN
fsr-3245	424	2	,	,	PUNCT
fsr-3245	424	3	nj	nj	PROPN
fsr-3245	424	4	:	:	PUNCT
fsr-3245	424	5	wiley	wiley	PROPN
fsr-3245	424	6	.	.	PUNCT
fsr-3245	425	1	cauffman	cauffman	PROPN
fsr-3245	425	2	,	,	PUNCT
fsr-3245	425	3	e.	e.	PROPN
fsr-3245	425	4	,	,	PUNCT
fsr-3245	425	5	steinberg	steinberg	PROPN
fsr-3245	425	6	,	,	PUNCT
fsr-3245	425	7	l.	l.	PROPN
fsr-3245	425	8	,	,	PUNCT
fsr-3245	425	9	&	&	CCONJ
fsr-3245	425	10	piquero	piquero	PROPN
fsr-3245	425	11	,	,	PUNCT
fsr-3245	425	12	a.	a.	PROPN
fsr-3245	425	13	r.	r.	PROPN
fsr-3245	425	14	(	(	PUNCT
fsr-3245	425	15	2005	2005	NUM
fsr-3245	425	16	)	)	PUNCT
fsr-3245	425	17	.	.	PUNCT
fsr-3245	426	1	psychological	psychological	ADJ
fsr-3245	426	2	,	,	PUNCT
fsr-3245	426	3	neuropsychological	neuropsychological	ADJ
fsr-3245	426	4	and	and	CCONJ
fsr-3245	426	5	physiological	physiological	ADJ
fsr-3245	426	6	correlates	correlate	NOUN
fsr-3245	426	7	of	of	ADP
fsr-3245	426	8	serious	serious	ADJ
fsr-3245	426	9	antisocial	antisocial	ADJ
fsr-3245	426	10	behavior	behavior	NOUN
fsr-3245	426	11	in	in	ADP
fsr-3245	426	12	adolescence	adolescence	NOUN
fsr-3245	426	13	:	:	PUNCT
fsr-3245	426	14	the	the	DET
fsr-3245	426	15	role	role	NOUN
fsr-3245	426	16	of	of	ADP
fsr-3245	426	17	self	self	NOUN
fsr-3245	426	18	-	-	PUNCT
fsr-3245	426	19	control	control	NOUN
fsr-3245	426	20	.	.	PUNCT
fsr-3245	427	1	criminology	criminology	NOUN
fsr-3245	427	2	,	,	PUNCT
fsr-3245	427	3	43	43	NUM
fsr-3245	427	4	,	,	PUNCT
fsr-3245	427	5	133–175	133–175	NUM
fsr-3245	427	6	.	.	PUNCT
fsr-3245	428	1	certified	certify	VERB
fsr-3245	428	2	financial	financial	ADJ
fsr-3245	428	3	planner	planner	NOUN
fsr-3245	428	4	board	board	NOUN
fsr-3245	428	5	of	of	ADP
fsr-3245	428	6	standards	standard	NOUN
fsr-3245	428	7	.	.	PUNCT
fsr-3245	429	1	(	(	PUNCT
fsr-3245	429	2	2006	2006	NUM
fsr-3245	429	3	)	)	PUNCT
fsr-3245	429	4	.	.	PUNCT
fsr-3245	430	1	cfp	cfp	PROPN
fsr-3245	430	2	®	®	PROPN
fsr-3245	430	3	certificant	certificant	NOUN
fsr-3245	430	4	profile	profile	NOUN
fsr-3245	430	5	.	.	PUNCT
fsr-3245	431	1	retrieved	retrieve	VERB
fsr-3245	431	2	from	from	ADP
fsr-3245	431	3	www.cfpboard	www.cfpboard	PROPN
fsr-3245	431	4	.	.	PUNCT
fsr-3245	432	1	org	org	ADJ
fsr-3245	432	2	/	/	SYM
fsr-3245	432	3	media	medium	NOUN
fsr-3245	432	4	/	/	SYM
fsr-3245	432	5	profile.asp	profile.asp	X
fsr-3245	432	6	certified	certify	VERB
fsr-3245	432	7	financial	financial	ADJ
fsr-3245	432	8	planner	planner	NOUN
fsr-3245	432	9	board	board	NOUN
fsr-3245	432	10	of	of	ADP
fsr-3245	432	11	standards	standard	NOUN
fsr-3245	432	12	.	.	PUNCT
fsr-3245	433	1	(	(	PUNCT
fsr-3245	433	2	2015	2015	NUM
fsr-3245	433	3	)	)	PUNCT
fsr-3245	433	4	.	.	PUNCT
fsr-3245	434	1	become	become	VERB
fsr-3245	434	2	a	a	DET
fsr-3245	434	3	cfp	cfp	NOUN
fsr-3245	434	4	®	®	NOUN
fsr-3245	434	5	professional	professional	NOUN
fsr-3245	434	6	.	.	PUNCT
fsr-3245	435	1	retrieved	retrieve	VERB
fsr-3245	435	2	from	from	ADP
fsr-3245	435	3	http://	http://	PROPN
fsr-3245	435	4	www.cfp.net/become-a-cfp-professional/cfp-certification-requirements	www.cfp.net/become-a-cfp-professional/cfp-certification-requirement	NOUN
fsr-3245	435	5	chervany	chervany	NOUN
fsr-3245	435	6	,	,	PUNCT
fsr-3245	435	7	n.	n.	PROPN
fsr-3245	435	8	l.	l.	PROPN
fsr-3245	435	9	,	,	PUNCT
fsr-3245	435	10	&	&	CCONJ
fsr-3245	435	11	dickson	dickson	PROPN
fsr-3245	435	12	,	,	PUNCT
fsr-3245	435	13	g.	g.	PROPN
fsr-3245	435	14	w.	w.	PROPN
fsr-3245	435	15	(	(	PUNCT
fsr-3245	435	16	1978	1978	NUM
fsr-3245	435	17	)	)	PUNCT
fsr-3245	435	18	.	.	PUNCT
fsr-3245	436	1	on	on	ADP
fsr-3245	436	2	the	the	DET
fsr-3245	436	3	validity	validity	NOUN
fsr-3245	436	4	of	of	ADP
fsr-3245	436	5	the	the	DET
fsr-3245	436	6	analytic	analytic	ADJ
fsr-3245	436	7	-	-	PUNCT
fsr-3245	436	8	heuristic	heuristic	NOUN
fsr-3245	436	9	instrument	instrument	NOUN
fsr-3245	436	10	utilized	utilize	VERB
fsr-3245	436	11	in	in	ADP
fsr-3245	436	12	“	"	PUNCT
fsr-3245	436	13	the	the	DET
fsr-3245	436	14	minnesota	minnesota	PROPN
fsr-3245	436	15	experiments	experiment	NOUN
fsr-3245	436	16	”	"	PUNCT
fsr-3245	436	17	:	:	PUNCT
fsr-3245	436	18	a	a	DET
fsr-3245	436	19	reply	reply	NOUN
fsr-3245	436	20	.	.	PUNCT
fsr-3245	437	1	management	management	NOUN
fsr-3245	437	2	science	science	NOUN
fsr-3245	437	3	,	,	PUNCT
fsr-3245	437	4	24	24	NUM
fsr-3245	437	5	,	,	PUNCT
fsr-3245	437	6	1091–1092	1091–1092	NUM
fsr-3245	437	7	.	.	PUNCT
fsr-3245	438	1	corral	corral	PROPN
fsr-3245	438	2	-	-	PUNCT
fsr-3245	438	3	verdugo	verdugo	PROPN
fsr-3245	438	4	,	,	PUNCT
fsr-3245	438	5	v.	v.	PROPN
fsr-3245	438	6	,	,	PUNCT
fsr-3245	438	7	&	&	CCONJ
fsr-3245	438	8	pinheiro	pinheiro	PROPN
fsr-3245	438	9	,	,	PUNCT
fsr-3245	438	10	j.	j.	PROPN
fsr-3245	438	11	q.	q.	PROPN
fsr-3245	438	12	(	(	PUNCT
fsr-3245	438	13	2006	2006	NUM
fsr-3245	438	14	)	)	PUNCT
fsr-3245	438	15	.	.	PUNCT
fsr-3245	439	1	sustainability	sustainability	NOUN
fsr-3245	439	2	,	,	PUNCT
fsr-3245	439	3	future	future	ADJ
fsr-3245	439	4	orientation	orientation	NOUN
fsr-3245	439	5	and	and	CCONJ
fsr-3245	439	6	water	water	NOUN
fsr-3245	439	7	conservation	conservation	NOUN
fsr-3245	439	8	.	.	PUNCT
fsr-3245	440	1	european	european	PROPN
fsr-3245	440	2	review	review	PROPN
fsr-3245	440	3	of	of	ADP
fsr-3245	440	4	applied	apply	VERB
fsr-3245	440	5	psychology	psychology	NOUN
fsr-3245	440	6	-	-	PUNCT
fsr-3245	440	7	revue	revue	NOUN
fsr-3245	440	8	europeenne	europeenne	PROPN
fsr-3245	440	9	de	de	PROPN
fsr-3245	440	10	psychologie	psychologie	PROPN
fsr-3245	440	11	appliquee	appliquee	PROPN
fsr-3245	440	12	,	,	PUNCT
fsr-3245	440	13	56	56	NUM
fsr-3245	440	14	,	,	PUNCT
fsr-3245	440	15	191–198	191–198	NUM
fsr-3245	440	16	.	.	PUNCT
fsr-3245	441	1	d’alessio	d’alessio	NOUN
fsr-3245	441	2	,	,	PUNCT
fsr-3245	441	3	m.	m.	NOUN
fsr-3245	441	4	,	,	PUNCT
fsr-3245	441	5	guarino	guarino	PROPN
fsr-3245	441	6	,	,	PUNCT
fsr-3245	441	7	a.	a.	NOUN
fsr-3245	441	8	,	,	PUNCT
fsr-3245	441	9	de	de	X
fsr-3245	441	10	pascalis	pascalis	NOUN
fsr-3245	441	11	,	,	PUNCT
fsr-3245	441	12	v.	v.	PROPN
fsr-3245	441	13	,	,	PUNCT
fsr-3245	441	14	&	&	CCONJ
fsr-3245	441	15	zimbardo	zimbardo	PROPN
fsr-3245	441	16	,	,	PUNCT
fsr-3245	441	17	p.	p.	NOUN
fsr-3245	441	18	g.	g.	PROPN
fsr-3245	441	19	(	(	PUNCT
fsr-3245	441	20	2003	2003	NUM
fsr-3245	441	21	)	)	PUNCT
fsr-3245	441	22	.	.	PUNCT
fsr-3245	442	1	testing	testing	NOUN
fsr-3245	442	2	zimbardo	zimbardo	PROPN
fsr-3245	442	3	’s	’s	PART
fsr-3245	442	4	stanford	stanford	PROPN
fsr-3245	442	5	time	time	PROPN
fsr-3245	442	6	perspective	perspective	PROPN
fsr-3245	442	7	inventory	inventory	NOUN
fsr-3245	442	8	(	(	PUNCT
fsr-3245	442	9	stpi	stpi	NOUN
fsr-3245	442	10	)	)	PUNCT
fsr-3245	442	11	short	short	ADJ
fsr-3245	442	12	form	form	NOUN
fsr-3245	442	13	an	an	DET
fsr-3245	442	14	italian	italian	ADJ
fsr-3245	442	15	study	study	NOUN
fsr-3245	442	16	.	.	PUNCT
fsr-3245	443	1	time	time	NOUN
fsr-3245	443	2	&	&	CCONJ
fsr-3245	443	3	society	society	NOUN
fsr-3245	443	4	,	,	PUNCT
fsr-3245	443	5	12	12	NUM
fsr-3245	443	6	,	,	PUNCT
fsr-3245	443	7	333–347	333–347	NUM
fsr-3245	443	8	.	.	PUNCT
fsr-3245	444	1	dorr	dorr	PROPN
fsr-3245	444	2	,	,	PUNCT
fsr-3245	444	3	n.	n.	PROPN
fsr-3245	444	4	,	,	PUNCT
fsr-3245	444	5	krueckeberg	krueckeberg	PROPN
fsr-3245	444	6	,	,	PUNCT
fsr-3245	444	7	s.	s.	PROPN
fsr-3245	444	8	,	,	PUNCT
fsr-3245	444	9	strathman	strathman	PROPN
fsr-3245	444	10	,	,	PUNCT
fsr-3245	444	11	a.	a.	NOUN
fsr-3245	444	12	,	,	PUNCT
fsr-3245	444	13	&	&	CCONJ
fsr-3245	444	14	wood	wood	NOUN
fsr-3245	444	15	,	,	PUNCT
fsr-3245	444	16	m.	m.	NOUN
fsr-3245	444	17	d.	d.	PROPN
fsr-3245	444	18	(	(	PUNCT
fsr-3245	444	19	1999	1999	NUM
fsr-3245	444	20	)	)	PUNCT
fsr-3245	444	21	.	.	PUNCT
fsr-3245	445	1	psychosocial	psychosocial	PROPN
fsr-3245	445	2	correlates	correlate	VERB
fsr-3245	445	3	of	of	ADP
fsr-3245	445	4	voluntary	voluntary	ADJ
fsr-3245	445	5	hiv	hiv	NOUN
fsr-3245	445	6	antibody	antibody	NOUN
fsr-3245	445	7	testing	testing	NOUN
fsr-3245	445	8	in	in	ADP
fsr-3245	445	9	college	college	NOUN
fsr-3245	445	10	students	student	NOUN
fsr-3245	445	11	.	.	PUNCT
fsr-3245	446	1	aids	aids	PROPN
fsr-3245	446	2	education	education	NOUN
fsr-3245	446	3	and	and	CCONJ
fsr-3245	446	4	prevention	prevention	NOUN
fsr-3245	446	5	,	,	PUNCT
fsr-3245	446	6	11	11	NUM
fsr-3245	446	7	,	,	PUNCT
fsr-3245	446	8	14–27	14–27	NUM
fsr-3245	446	9	.	.	PUNCT
fsr-3245	447	1	ebbesen	ebbesen	PROPN
fsr-3245	447	2	,	,	PUNCT
fsr-3245	447	3	e.	e.	PROPN
fsr-3245	447	4	,	,	PUNCT
fsr-3245	447	5	&	&	CCONJ
fsr-3245	447	6	konecni	konecni	PROPN
fsr-3245	447	7	,	,	PUNCT
fsr-3245	447	8	v.	v.	PROPN
fsr-3245	447	9	(	(	PUNCT
fsr-3245	447	10	1980	1980	NUM
fsr-3245	447	11	)	)	PUNCT
fsr-3245	447	12	.	.	PUNCT
fsr-3245	448	1	on	on	ADP
fsr-3245	448	2	the	the	DET
fsr-3245	448	3	external	external	ADJ
fsr-3245	448	4	validity	validity	NOUN
fsr-3245	448	5	of	of	ADP
fsr-3245	448	6	decision	decision	NOUN
fsr-3245	448	7	-	-	PUNCT
fsr-3245	448	8	making	make	VERB
fsr-3245	448	9	research	research	NOUN
fsr-3245	448	10	:	:	PUNCT
fsr-3245	448	11	what	what	PRON
fsr-3245	448	12	do	do	AUX
fsr-3245	448	13	we	we	PRON
fsr-3245	448	14	know	know	VERB
fsr-3245	448	15	about	about	ADP
fsr-3245	448	16	decisions	decision	NOUN
fsr-3245	448	17	in	in	ADP
fsr-3245	448	18	the	the	DET
fsr-3245	448	19	real	real	ADJ
fsr-3245	448	20	world	world	NOUN
fsr-3245	448	21	.	.	PUNCT
fsr-3245	449	1	in	in	ADP
fsr-3245	449	2	t.	t.	PROPN
fsr-3245	449	3	s.	s.	PROPN
fsr-3245	449	4	wallsten	wallsten	PROPN
fsr-3245	449	5	(	(	PUNCT
fsr-3245	449	6	ed	ed	NOUN
fsr-3245	449	7	.	.	PUNCT
fsr-3245	449	8	)	)	PUNCT
fsr-3245	449	9	,	,	PUNCT
fsr-3245	449	10	cognitive	cognitive	ADJ
fsr-3245	449	11	processes	process	NOUN
fsr-3245	449	12	in	in	ADP
fsr-3245	449	13	choice	choice	NOUN
fsr-3245	449	14	and	and	CCONJ
fsr-3245	449	15	decision	decision	NOUN
fsr-3245	449	16	behavior	behavior	NOUN
fsr-3245	449	17	(	(	PUNCT
fsr-3245	449	18	pp	pp	ADV
fsr-3245	449	19	.	.	PUNCT
fsr-3245	450	1	21–45	21–45	NUM
fsr-3245	450	2	)	)	PUNCT
fsr-3245	450	3	.	.	PUNCT
fsr-3245	451	1	hillsdale	hillsdale	PROPN
fsr-3245	451	2	,	,	PUNCT
fsr-3245	451	3	nj	nj	PROPN
fsr-3245	451	4	:	:	PUNCT
fsr-3245	451	5	lawrence	lawrence	PROPN
fsr-3245	451	6	erlbaum	erlbaum	PROPN
fsr-3245	451	7	associates	associates	PROPN
fsr-3245	451	8	.	.	PUNCT
fsr-3245	452	1	edwards	edwards	PROPN
fsr-3245	452	2	,	,	PUNCT
fsr-3245	452	3	w.	w.	PROPN
fsr-3245	452	4	(	(	PUNCT
fsr-3245	452	5	1983	1983	NUM
fsr-3245	452	6	)	)	PUNCT
fsr-3245	452	7	.	.	PUNCT
fsr-3245	453	1	human	human	ADJ
fsr-3245	453	2	cognitive	cognitive	ADJ
fsr-3245	453	3	capabilities	capability	NOUN
fsr-3245	453	4	,	,	PUNCT
fsr-3245	453	5	representativeness	representativeness	NOUN
fsr-3245	453	6	,	,	PUNCT
fsr-3245	453	7	and	and	CCONJ
fsr-3245	453	8	ground	ground	NOUN
fsr-3245	453	9	rules	rule	NOUN
fsr-3245	453	10	for	for	ADP
fsr-3245	453	11	research	research	NOUN
fsr-3245	453	12	.	.	PUNCT
fsr-3245	454	1	in	in	ADP
fsr-3245	454	2	p.	p.	PROPN
fsr-3245	454	3	c.	c.	PROPN
fsr-3245	454	4	humphries	humphries	PROPN
fsr-3245	454	5	,	,	PUNCT
fsr-3245	454	6	o.	o.	PROPN
fsr-3245	454	7	svenson	svenson	PROPN
fsr-3245	454	8	,	,	PUNCT
fsr-3245	454	9	&	&	CCONJ
fsr-3245	454	10	a.	a.	PROPN
fsr-3245	454	11	vari	vari	PROPN
fsr-3245	454	12	(	(	PUNCT
fsr-3245	454	13	eds	ed	NOUN
fsr-3245	454	14	.	.	PUNCT
fsr-3245	454	15	)	)	PUNCT
fsr-3245	454	16	,	,	PUNCT
fsr-3245	454	17	advances	advance	NOUN
fsr-3245	454	18	in	in	ADP
fsr-3245	454	19	psychology	psychology	NOUN
fsr-3245	454	20	:	:	PUNCT
fsr-3245	454	21	analyzing	analyze	VERB
fsr-3245	454	22	and	and	CCONJ
fsr-3245	454	23	aiding	aid	VERB
fsr-3245	454	24	decision	decision	NOUN
fsr-3245	454	25	processes	process	NOUN
fsr-3245	454	26	(	(	PUNCT
fsr-3245	454	27	pp	pp	ADJ
fsr-3245	454	28	.	.	PUNCT
fsr-3245	455	1	507–513	507–513	NUM
fsr-3245	455	2	)	)	PUNCT
fsr-3245	455	3	.	.	PUNCT
fsr-3245	456	1	amsterdam	amsterdam	PROPN
fsr-3245	456	2	:	:	PUNCT
fsr-3245	456	3	north	north	PROPN
fsr-3245	456	4	holland	holland	PROPN
fsr-3245	456	5	.	.	PUNCT
fsr-3245	457	1	einhorn	einhorn	PROPN
fsr-3245	457	2	,	,	PUNCT
fsr-3245	457	3	h.	h.	PROPN
fsr-3245	457	4	(	(	PUNCT
fsr-3245	457	5	1976	1976	NUM
fsr-3245	457	6	)	)	PUNCT
fsr-3245	457	7	.	.	PUNCT
fsr-3245	458	1	a	a	DET
fsr-3245	458	2	synthesis	synthesis	NOUN
fsr-3245	458	3	:	:	PUNCT
fsr-3245	458	4	accounting	accounting	NOUN
fsr-3245	458	5	and	and	CCONJ
fsr-3245	458	6	behavioral	behavioral	ADJ
fsr-3245	458	7	science	science	NOUN
fsr-3245	458	8	.	.	PUNCT
fsr-3245	459	1	journal	journal	NOUN
fsr-3245	459	2	of	of	ADP
fsr-3245	459	3	accounting	accounting	NOUN
fsr-3245	459	4	research	research	NOUN
fsr-3245	459	5	,	,	PUNCT
fsr-3245	459	6	14	14	NUM
fsr-3245	459	7	(	(	PUNCT
fsr-3245	459	8	suppl	suppl	PROPN
fsr-3245	459	9	.	.	PUNCT
fsr-3245	459	10	)	)	PUNCT
fsr-3245	459	11	,	,	PUNCT
fsr-3245	459	12	196–206	196–206	NUM
fsr-3245	459	13	.	.	PUNCT
fsr-3245	460	1	elmerick	elmerick	PROPN
fsr-3245	460	2	,	,	PUNCT
fsr-3245	460	3	s.	s.	PROPN
fsr-3245	460	4	a.	a.	PROPN
fsr-3245	460	5	,	,	PUNCT
fsr-3245	460	6	montalto	montalto	PROPN
fsr-3245	460	7	,	,	PUNCT
fsr-3245	460	8	c.	c.	PROPN
fsr-3245	460	9	p.	p.	PROPN
fsr-3245	460	10	,	,	PUNCT
fsr-3245	460	11	&	&	CCONJ
fsr-3245	460	12	fox	fox	PROPN
fsr-3245	460	13	,	,	PUNCT
fsr-3245	460	14	j.	j.	PROPN
fsr-3245	460	15	j.	j.	PROPN
fsr-3245	460	16	(	(	PUNCT
fsr-3245	460	17	2002	2002	NUM
fsr-3245	460	18	)	)	PUNCT
fsr-3245	460	19	.	.	PUNCT
fsr-3245	461	1	use	use	NOUN
fsr-3245	461	2	of	of	ADP
fsr-3245	461	3	financial	financial	ADJ
fsr-3245	461	4	planners	planner	NOUN
fsr-3245	461	5	by	by	ADP
fsr-3245	461	6	u.s	u.s	PROPN
fsr-3245	461	7	.	.	PROPN
fsr-3245	461	8	households	household	NOUN
fsr-3245	461	9	.	.	PUNCT
fsr-3245	462	1	financial	financial	ADJ
fsr-3245	462	2	services	service	NOUN
fsr-3245	462	3	review	review	NOUN
fsr-3245	462	4	,	,	PUNCT
fsr-3245	462	5	11	11	NUM
fsr-3245	462	6	,	,	PUNCT
fsr-3245	462	7	217–231	217–231	NUM
fsr-3245	462	8	.	.	PUNCT
fsr-3245	462	9	fischoff	fischoff	PROPN
fsr-3245	462	10	,	,	PUNCT
fsr-3245	462	11	b.	b.	PROPN
fsr-3245	462	12	(	(	PUNCT
fsr-3245	462	13	1982	1982	NUM
fsr-3245	462	14	)	)	PUNCT
fsr-3245	462	15	.	.	PUNCT
fsr-3245	463	1	debiasing	debiase	VERB
fsr-3245	463	2	.	.	PUNCT
fsr-3245	464	1	in	in	ADP
fsr-3245	464	2	d.	d.	PROPN
fsr-3245	464	3	kahneman	kahneman	PROPN
fsr-3245	464	4	,	,	PUNCT
fsr-3245	464	5	p.	p.	PROPN
fsr-3245	464	6	slovic	slovic	PROPN
fsr-3245	464	7	,	,	PUNCT
fsr-3245	464	8	&	&	CCONJ
fsr-3245	464	9	a.	a.	PROPN
fsr-3245	464	10	tversky	tversky	PROPN
fsr-3245	464	11	(	(	PUNCT
fsr-3245	464	12	eds	ed	NOUN
fsr-3245	464	13	.	.	PUNCT
fsr-3245	464	14	)	)	PUNCT
fsr-3245	464	15	,	,	PUNCT
fsr-3245	464	16	judgment	judgment	NOUN
fsr-3245	464	17	under	under	ADP
fsr-3245	464	18	uncertainty	uncertainty	NOUN
fsr-3245	464	19	:	:	PUNCT
fsr-3245	464	20	heuristics	heuristic	NOUN
fsr-3245	464	21	and	and	CCONJ
fsr-3245	464	22	biases	bias	NOUN
fsr-3245	464	23	(	(	PUNCT
fsr-3245	464	24	pp	pp	ADV
fsr-3245	464	25	.	.	PUNCT
fsr-3245	465	1	422–444	422–444	NUM
fsr-3245	465	2	)	)	PUNCT
fsr-3245	465	3	.	.	PUNCT
fsr-3245	466	1	new	new	PROPN
fsr-3245	466	2	york	york	PROPN
fsr-3245	466	3	,	,	PUNCT
fsr-3245	466	4	ny	ny	PROPN
fsr-3245	466	5	:	:	PUNCT
fsr-3245	466	6	cambridge	cambridge	PROPN
fsr-3245	466	7	university	university	PROPN
fsr-3245	466	8	press	press	NOUN
fsr-3245	466	9	.	.	PUNCT
fsr-3245	467	1	fischoff	fischoff	PROPN
fsr-3245	467	2	,	,	PUNCT
fsr-3245	467	3	b.	b.	PROPN
fsr-3245	467	4	(	(	PUNCT
fsr-3245	467	5	1987	1987	NUM
fsr-3245	467	6	)	)	PUNCT
fsr-3245	467	7	.	.	PUNCT
fsr-3245	468	1	judgment	judgment	NOUN
fsr-3245	468	2	and	and	CCONJ
fsr-3245	468	3	decision	decision	NOUN
fsr-3245	468	4	-	-	PUNCT
fsr-3245	468	5	making	making	NOUN
fsr-3245	468	6	.	.	PUNCT
fsr-3245	469	1	in	in	ADP
fsr-3245	469	2	r.	r.	PROPN
fsr-3245	469	3	sternberg	sternberg	PROPN
fsr-3245	469	4	&	&	CCONJ
fsr-3245	469	5	e.	e.	PROPN
fsr-3245	469	6	smith	smith	PROPN
fsr-3245	469	7	(	(	PUNCT
fsr-3245	469	8	eds	eds	PROPN
fsr-3245	469	9	.	.	PUNCT
fsr-3245	469	10	)	)	PUNCT
fsr-3245	469	11	,	,	PUNCT
fsr-3245	469	12	the	the	DET
fsr-3245	469	13	psychology	psychology	NOUN
fsr-3245	469	14	of	of	ADP
fsr-3245	469	15	human	human	ADJ
fsr-3245	469	16	thought	thought	NOUN
fsr-3245	469	17	.	.	PUNCT
fsr-3245	470	1	new	new	PROPN
fsr-3245	470	2	york	york	PROPN
fsr-3245	470	3	,	,	PUNCT
fsr-3245	470	4	ny	ny	PROPN
fsr-3245	470	5	:	:	PUNCT
fsr-3245	470	6	cambridge	cambridge	PROPN
fsr-3245	470	7	university	university	PROPN
fsr-3245	470	8	press	press	NOUN
fsr-3245	470	9	.	.	PUNCT
fsr-3245	471	1	funder	funder	PROPN
fsr-3245	471	2	,	,	PUNCT
fsr-3245	471	3	d.	d.	PROPN
fsr-3245	471	4	(	(	PUNCT
fsr-3245	471	5	1987	1987	NUM
fsr-3245	471	6	)	)	PUNCT
fsr-3245	471	7	.	.	PUNCT
fsr-3245	472	1	errors	error	NOUN
fsr-3245	472	2	and	and	CCONJ
fsr-3245	472	3	mistakes	mistake	NOUN
fsr-3245	472	4	:	:	PUNCT
fsr-3245	472	5	evaluating	evaluate	VERB
fsr-3245	472	6	the	the	DET
fsr-3245	472	7	accuracy	accuracy	NOUN
fsr-3245	472	8	of	of	ADP
fsr-3245	472	9	social	social	ADJ
fsr-3245	472	10	judgment	judgment	NOUN
fsr-3245	472	11	.	.	PUNCT
fsr-3245	473	1	psychological	psychological	ADJ
fsr-3245	473	2	bulletin	bulletin	NOUN
fsr-3245	473	3	,	,	PUNCT
fsr-3245	473	4	101	101	NUM
fsr-3245	473	5	,	,	PUNCT
fsr-3245	473	6	75–90	75–90	NUM
fsr-3245	473	7	.	.	PUNCT
fsr-3245	474	1	gonzalez	gonzalez	PROPN
fsr-3245	474	2	,	,	PUNCT
fsr-3245	474	3	a.	a.	PROPN
fsr-3245	474	4	,	,	PUNCT
fsr-3245	474	5	&	&	CCONJ
fsr-3245	474	6	zimbardo	zimbardo	PROPN
fsr-3245	474	7	,	,	PUNCT
fsr-3245	474	8	p.	p.	NOUN
fsr-3245	474	9	g.	g.	PROPN
fsr-3245	474	10	(	(	PUNCT
fsr-3245	474	11	1985	1985	NUM
fsr-3245	474	12	)	)	PUNCT
fsr-3245	474	13	.	.	PUNCT
fsr-3245	475	1	time	time	NOUN
fsr-3245	475	2	in	in	ADP
fsr-3245	475	3	perspective	perspective	NOUN
fsr-3245	475	4	.	.	PUNCT
fsr-3245	476	1	psychology	psychology	NOUN
fsr-3245	476	2	today	today	NOUN
fsr-3245	476	3	,	,	PUNCT
fsr-3245	476	4	19	19	NUM
fsr-3245	476	5	,	,	PUNCT
fsr-3245	476	6	20–26	20–26	NUM
fsr-3245	476	7	.	.	PUNCT
fsr-3245	477	1	henson	henson	PROPN
fsr-3245	477	2	,	,	PUNCT
fsr-3245	477	3	j.	j.	PROPN
fsr-3245	477	4	m.	m.	PROPN
fsr-3245	477	5	,	,	PUNCT
fsr-3245	477	6	carey	carey	PROPN
fsr-3245	477	7	,	,	PUNCT
fsr-3245	477	8	m.	m.	NOUN
fsr-3245	477	9	p.	p.	PROPN
fsr-3245	477	10	,	,	PUNCT
fsr-3245	477	11	carey	carey	PROPN
fsr-3245	477	12	,	,	PUNCT
fsr-3245	477	13	k.	k.	PROPN
fsr-3245	477	14	b.	b.	PROPN
fsr-3245	477	15	,	,	PUNCT
fsr-3245	477	16	&	&	CCONJ
fsr-3245	477	17	maisto	maisto	NOUN
fsr-3245	477	18	,	,	PUNCT
fsr-3245	477	19	s.	s.	PROPN
fsr-3245	477	20	a.	a.	PROPN
fsr-3245	477	21	(	(	PUNCT
fsr-3245	477	22	2006	2006	NUM
fsr-3245	477	23	)	)	PUNCT
fsr-3245	477	24	.	.	PUNCT
fsr-3245	478	1	associations	association	NOUN
fsr-3245	478	2	among	among	ADP
fsr-3245	478	3	health	health	NOUN
fsr-3245	478	4	behaviors	behavior	NOUN
fsr-3245	478	5	and	and	CCONJ
fsr-3245	478	6	time	time	NOUN
fsr-3245	478	7	perspective	perspective	NOUN
fsr-3245	478	8	in	in	ADP
fsr-3245	478	9	young	young	ADJ
fsr-3245	478	10	adults	adult	NOUN
fsr-3245	478	11	:	:	PUNCT
fsr-3245	478	12	model	model	NOUN
fsr-3245	478	13	testing	testing	NOUN
fsr-3245	478	14	with	with	ADP
fsr-3245	478	15	boot	boot	NOUN
fsr-3245	478	16	-	-	PUNCT
fsr-3245	478	17	strapping	strap	VERB
fsr-3245	478	18	replication	replication	NOUN
fsr-3245	478	19	.	.	PUNCT
fsr-3245	479	1	journal	journal	NOUN
fsr-3245	479	2	of	of	ADP
fsr-3245	479	3	behavioral	behavioral	ADJ
fsr-3245	479	4	medicine	medicine	NOUN
fsr-3245	479	5	,	,	PUNCT
fsr-3245	479	6	29	29	NUM
fsr-3245	479	7	,	,	PUNCT
fsr-3245	479	8	127–137	127–137	NUM
fsr-3245	479	9	.	.	PUNCT
fsr-3245	480	1	hershey	hershey	PROPN
fsr-3245	480	2	,	,	PUNCT
fsr-3245	480	3	d.	d.	PROPN
fsr-3245	480	4	a.	a.	PROPN
fsr-3245	480	5	,	,	PUNCT
fsr-3245	480	6	&	&	CCONJ
fsr-3245	480	7	mowen	mowen	PROPN
fsr-3245	480	8	,	,	PUNCT
fsr-3245	480	9	j.	j.	PROPN
fsr-3245	480	10	c.	c.	PROPN
fsr-3245	480	11	(	(	PUNCT
fsr-3245	480	12	2000	2000	NUM
fsr-3245	480	13	)	)	PUNCT
fsr-3245	480	14	.	.	PUNCT
fsr-3245	481	1	psychological	psychological	ADJ
fsr-3245	481	2	determinants	determinant	NOUN
fsr-3245	481	3	of	of	ADP
fsr-3245	481	4	financial	financial	ADJ
fsr-3245	481	5	preparedness	preparedness	NOUN
fsr-3245	481	6	for	for	ADP
fsr-3245	481	7	retirement	retirement	NOUN
fsr-3245	481	8	.	.	PUNCT
fsr-3245	482	1	gerontologist	gerontologist	NOUN
fsr-3245	482	2	,	,	PUNCT
fsr-3245	482	3	40	40	NUM
fsr-3245	482	4	,	,	PUNCT
fsr-3245	482	5	687–697	687–697	NUM
fsr-3245	482	6	.	.	NOUN
fsr-3245	483	1	408	408	NUM
fsr-3245	483	2	k.n	k.n	PROPN
fsr-3245	483	3	.	.	PROPN
fsr-3245	483	4	ryack	ryack	PROPN
fsr-3245	483	5	/	/	SYM
fsr-3245	483	6	financial	financial	ADJ
fsr-3245	483	7	services	service	NOUN
fsr-3245	483	8	review	review	VERB
fsr-3245	483	9	24	24	NUM
fsr-3245	483	10	(	(	PUNCT
fsr-3245	483	11	2015	2015	NUM
fsr-3245	483	12	)	)	PUNCT
fsr-3245	483	13	387–410	387–410	NUM
fsr-3245	483	14	hogarth	hogarth	NOUN
fsr-3245	483	15	,	,	PUNCT
fsr-3245	483	16	r.	r.	PROPN
fsr-3245	483	17	(	(	PUNCT
fsr-3245	483	18	1981	1981	NUM
fsr-3245	483	19	)	)	PUNCT
fsr-3245	483	20	.	.	PUNCT
fsr-3245	484	1	beyond	beyond	ADP
fsr-3245	484	2	discrete	discrete	ADJ
fsr-3245	484	3	biases	bias	NOUN
fsr-3245	484	4	:	:	PUNCT
fsr-3245	484	5	functional	functional	ADJ
fsr-3245	484	6	and	and	CCONJ
fsr-3245	484	7	dysfunctional	dysfunctional	ADJ
fsr-3245	484	8	aspects	aspect	NOUN
fsr-3245	484	9	of	of	ADP
fsr-3245	484	10	judgmental	judgmental	ADJ
fsr-3245	484	11	heuristics	heuristic	NOUN
fsr-3245	484	12	.	.	PUNCT
fsr-3245	485	1	psychological	psychological	ADJ
fsr-3245	485	2	bulletin	bulletin	NOUN
fsr-3245	485	3	,	,	PUNCT
fsr-3245	485	4	90	90	NUM
fsr-3245	485	5	,	,	PUNCT
fsr-3245	485	6	197–217	197–217	NUM
fsr-3245	485	7	.	.	PUNCT
fsr-3245	486	1	howlett	howlett	PROPN
fsr-3245	486	2	,	,	PUNCT
fsr-3245	486	3	e.	e.	PROPN
fsr-3245	486	4	,	,	PUNCT
fsr-3245	486	5	kees	kees	PROPN
fsr-3245	486	6	,	,	PUNCT
fsr-3245	486	7	j.	j.	PROPN
fsr-3245	486	8	,	,	PUNCT
fsr-3245	486	9	&	&	CCONJ
fsr-3245	486	10	kemp	kemp	PROPN
fsr-3245	486	11	,	,	PUNCT
fsr-3245	486	12	e.	e.	PROPN
fsr-3245	486	13	(	(	PUNCT
fsr-3245	486	14	2008	2008	NUM
fsr-3245	486	15	)	)	PUNCT
fsr-3245	486	16	.	.	PUNCT
fsr-3245	487	1	the	the	DET
fsr-3245	487	2	role	role	NOUN
fsr-3245	487	3	of	of	ADP
fsr-3245	487	4	self	self	NOUN
fsr-3245	487	5	-	-	PUNCT
fsr-3245	487	6	regulation	regulation	NOUN
fsr-3245	487	7	,	,	PUNCT
fsr-3245	487	8	future	future	ADJ
fsr-3245	487	9	orientation	orientation	NOUN
fsr-3245	487	10	,	,	PUNCT
fsr-3245	487	11	and	and	CCONJ
fsr-3245	487	12	financial	financial	ADJ
fsr-3245	487	13	knowledge	knowledge	NOUN
fsr-3245	487	14	in	in	ADP
fsr-3245	487	15	long	long	ADJ
fsr-3245	487	16	-	-	PUNCT
fsr-3245	487	17	term	term	NOUN
fsr-3245	487	18	financial	financial	ADJ
fsr-3245	487	19	decisions	decision	NOUN
fsr-3245	487	20	.	.	PUNCT
fsr-3245	488	1	journal	journal	NOUN
fsr-3245	488	2	of	of	ADP
fsr-3245	488	3	consumer	consumer	NOUN
fsr-3245	488	4	affairs	affair	NOUN
fsr-3245	488	5	,	,	PUNCT
fsr-3245	488	6	42	42	NUM
fsr-3245	488	7	,	,	PUNCT
fsr-3245	488	8	223–242	223–242	NUM
fsr-3245	488	9	.	.	PUNCT
fsr-3245	489	1	huber	huber	PROPN
fsr-3245	489	2	,	,	PUNCT
fsr-3245	489	3	g.	g.	PROPN
fsr-3245	489	4	(	(	PUNCT
fsr-3245	489	5	1983	1983	NUM
fsr-3245	489	6	)	)	PUNCT
fsr-3245	489	7	.	.	PUNCT
fsr-3245	490	1	cognitive	cognitive	ADJ
fsr-3245	490	2	style	style	NOUN
fsr-3245	490	3	as	as	ADP
fsr-3245	490	4	a	a	DET
fsr-3245	490	5	basis	basis	NOUN
fsr-3245	490	6	for	for	ADP
fsr-3245	490	7	mis	mis	NOUN
fsr-3245	490	8	and	and	CCONJ
fsr-3245	490	9	dss	dss	NOUN
fsr-3245	490	10	designs	design	NOUN
fsr-3245	490	11	:	:	PUNCT
fsr-3245	490	12	much	much	ADJ
fsr-3245	490	13	ado	ado	VERB
fsr-3245	490	14	about	about	ADP
fsr-3245	490	15	nothing	nothing	PRON
fsr-3245	490	16	?	?	PUNCT
fsr-3245	491	1	management	management	NOUN
fsr-3245	491	2	science	science	NOUN
fsr-3245	491	3	,	,	PUNCT
fsr-3245	491	4	29	29	NUM
fsr-3245	491	5	,	,	PUNCT
fsr-3245	491	6	567–579	567–579	NUM
fsr-3245	491	7	.	.	PUNCT
fsr-3245	492	1	jacobs	jacobs	PROPN
fsr-3245	492	2	-	-	PUNCT
fsr-3245	492	3	lawson	lawson	PROPN
fsr-3245	492	4	,	,	PUNCT
fsr-3245	492	5	j.	j.	PROPN
fsr-3245	492	6	m.	m.	PROPN
fsr-3245	492	7	,	,	PUNCT
fsr-3245	492	8	&	&	CCONJ
fsr-3245	492	9	hershey	hershey	PROPN
fsr-3245	492	10	,	,	PUNCT
fsr-3245	492	11	d.	d.	PROPN
fsr-3245	492	12	a.	a.	PROPN
fsr-3245	492	13	(	(	PUNCT
fsr-3245	492	14	2005	2005	NUM
fsr-3245	492	15	)	)	PUNCT
fsr-3245	492	16	.	.	PUNCT
fsr-3245	493	1	influence	influence	NOUN
fsr-3245	493	2	of	of	ADP
fsr-3245	493	3	future	future	ADJ
fsr-3245	493	4	time	time	NOUN
fsr-3245	493	5	perspective	perspective	NOUN
fsr-3245	493	6	,	,	PUNCT
fsr-3245	493	7	financial	financial	ADJ
fsr-3245	493	8	knowledge	knowledge	NOUN
fsr-3245	493	9	,	,	PUNCT
fsr-3245	493	10	and	and	CCONJ
fsr-3245	493	11	financial	financial	ADJ
fsr-3245	493	12	risk	risk	NOUN
fsr-3245	493	13	tolerance	tolerance	NOUN
fsr-3245	493	14	on	on	ADP
fsr-3245	493	15	retirement	retirement	NOUN
fsr-3245	493	16	savings	saving	NOUN
fsr-3245	493	17	behaviors	behavior	NOUN
fsr-3245	493	18	.	.	PUNCT
fsr-3245	494	1	financial	financial	ADJ
fsr-3245	494	2	services	service	NOUN
fsr-3245	494	3	review	review	PROPN
fsr-3245	494	4	,	,	PUNCT
fsr-3245	494	5	14	14	NUM
fsr-3245	494	6	,	,	PUNCT
fsr-3245	494	7	331–334	331–334	NUM
fsr-3245	494	8	.	.	PUNCT
fsr-3245	495	1	joireman	joireman	PROPN
fsr-3245	495	2	,	,	PUNCT
fsr-3245	495	3	j.	j.	PROPN
fsr-3245	495	4	(	(	PUNCT
fsr-3245	495	5	1999	1999	NUM
fsr-3245	495	6	)	)	PUNCT
fsr-3245	495	7	.	.	PUNCT
fsr-3245	496	1	additional	additional	ADJ
fsr-3245	496	2	evidence	evidence	NOUN
fsr-3245	496	3	for	for	ADP
fsr-3245	496	4	validity	validity	NOUN
fsr-3245	496	5	of	of	ADP
fsr-3245	496	6	the	the	DET
fsr-3245	496	7	consideration	consideration	NOUN
fsr-3245	496	8	of	of	ADP
fsr-3245	496	9	future	future	ADJ
fsr-3245	496	10	consequences	consequence	NOUN
fsr-3245	496	11	scale	scale	NOUN
fsr-3245	496	12	in	in	ADP
fsr-3245	496	13	an	an	DET
fsr-3245	496	14	academic	academic	ADJ
fsr-3245	496	15	setting	setting	NOUN
fsr-3245	496	16	.	.	PUNCT
fsr-3245	497	1	psychological	psychological	ADJ
fsr-3245	497	2	reports	report	NOUN
fsr-3245	497	3	,	,	PUNCT
fsr-3245	497	4	84	84	NUM
fsr-3245	497	5	,	,	PUNCT
fsr-3245	497	6	1171–1172	1171–1172	NUM
fsr-3245	497	7	.	.	PUNCT
fsr-3245	498	1	joireman	joireman	PROPN
fsr-3245	498	2	,	,	PUNCT
fsr-3245	498	3	j.	j.	PROPN
fsr-3245	498	4	,	,	PUNCT
fsr-3245	498	5	balliet	balliet	PROPN
fsr-3245	498	6	,	,	PUNCT
fsr-3245	498	7	d.	d.	PROPN
fsr-3245	498	8	,	,	PUNCT
fsr-3245	498	9	sprott	sprott	PROPN
fsr-3245	498	10	,	,	PUNCT
fsr-3245	498	11	d.	d.	PROPN
fsr-3245	498	12	,	,	PUNCT
fsr-3245	498	13	spangenberg	spangenberg	PROPN
fsr-3245	498	14	,	,	PUNCT
fsr-3245	498	15	e.	e.	PROPN
fsr-3245	498	16	,	,	PUNCT
fsr-3245	498	17	&	&	CCONJ
fsr-3245	498	18	schultz	schultz	PROPN
fsr-3245	498	19	,	,	PUNCT
fsr-3245	498	20	j.	j.	PROPN
fsr-3245	498	21	(	(	PUNCT
fsr-3245	498	22	2008	2008	NUM
fsr-3245	498	23	)	)	PUNCT
fsr-3245	498	24	.	.	PUNCT
fsr-3245	499	1	consideration	consideration	NOUN
fsr-3245	499	2	of	of	ADP
fsr-3245	499	3	future	future	ADJ
fsr-3245	499	4	consequences	consequence	NOUN
fsr-3245	499	5	,	,	PUNCT
fsr-3245	499	6	ego	ego	NOUN
fsr-3245	499	7	-	-	PUNCT
fsr-3245	499	8	depletion	depletion	NOUN
fsr-3245	499	9	,	,	PUNCT
fsr-3245	499	10	and	and	CCONJ
fsr-3245	499	11	self	self	NOUN
fsr-3245	499	12	-	-	PUNCT
fsr-3245	499	13	control	control	NOUN
fsr-3245	499	14	:	:	PUNCT
fsr-3245	499	15	support	support	NOUN
fsr-3245	499	16	for	for	ADP
fsr-3245	499	17	distinguishing	distinguish	VERB
fsr-3245	499	18	between	between	ADP
fsr-3245	499	19	cfc	cfc	NOUN
fsr-3245	499	20	-	-	PUNCT
fsr-3245	499	21	immediate	immediate	ADJ
fsr-3245	499	22	and	and	CCONJ
fsr-3245	499	23	cfc	cfc	NOUN
fsr-3245	499	24	-	-	PUNCT
fsr-3245	499	25	future	future	NOUN
fsr-3245	499	26	subscales	subscale	NOUN
fsr-3245	499	27	.	.	PUNCT
fsr-3245	500	1	personality	personality	NOUN
fsr-3245	500	2	and	and	CCONJ
fsr-3245	500	3	individual	individual	ADJ
fsr-3245	500	4	differences	difference	NOUN
fsr-3245	500	5	,	,	PUNCT
fsr-3245	500	6	45	45	NUM
fsr-3245	500	7	,	,	PUNCT
fsr-3245	500	8	15–21	15–21	NUM
fsr-3245	500	9	.	.	PUNCT
fsr-3245	500	10	joireman	joireman	PROPN
fsr-3245	500	11	,	,	PUNCT
fsr-3245	500	12	j.	j.	PROPN
fsr-3245	500	13	,	,	PUNCT
fsr-3245	500	14	shaffer	shaffer	PROPN
fsr-3245	500	15	,	,	PUNCT
fsr-3245	500	16	m.	m.	NOUN
fsr-3245	500	17	j.	j.	PROPN
fsr-3245	500	18	,	,	PUNCT
fsr-3245	500	19	balliet	balliet	PROPN
fsr-3245	500	20	,	,	PUNCT
fsr-3245	500	21	d.	d.	PROPN
fsr-3245	500	22	,	,	PUNCT
fsr-3245	500	23	&	&	CCONJ
fsr-3245	500	24	strathman	strathman	PROPN
fsr-3245	500	25	,	,	PUNCT
fsr-3245	500	26	a.	a.	NOUN
fsr-3245	500	27	(	(	PUNCT
fsr-3245	500	28	2012	2012	NUM
fsr-3245	500	29	)	)	PUNCT
fsr-3245	500	30	.	.	PUNCT
fsr-3245	501	1	promotion	promotion	NOUN
fsr-3245	501	2	orientation	orientation	NOUN
fsr-3245	501	3	explains	explain	VERB
fsr-3245	501	4	why	why	SCONJ
fsr-3245	501	5	futureoriented	futureoriented	ADJ
fsr-3245	501	6	people	people	NOUN
fsr-3245	501	7	exercise	exercise	VERB
fsr-3245	501	8	and	and	CCONJ
fsr-3245	501	9	eat	eat	VERB
fsr-3245	501	10	healthy	healthy	ADJ
fsr-3245	501	11	:	:	PUNCT
fsr-3245	501	12	evidence	evidence	NOUN
fsr-3245	501	13	from	from	ADP
fsr-3245	501	14	the	the	DET
fsr-3245	501	15	two	two	NUM
fsr-3245	501	16	-	-	PUNCT
fsr-3245	501	17	factor	factor	NOUN
fsr-3245	501	18	consideration	consideration	NOUN
fsr-3245	501	19	of	of	ADP
fsr-3245	501	20	future	future	ADJ
fsr-3245	501	21	consequences14	consequences14	NOUN
fsr-3245	501	22	scale	scale	NOUN
fsr-3245	501	23	.	.	PUNCT
fsr-3245	502	1	personality	personality	NOUN
fsr-3245	502	2	and	and	CCONJ
fsr-3245	502	3	social	social	ADJ
fsr-3245	502	4	psychology	psychology	NOUN
fsr-3245	502	5	bulletin	bulletin	NOUN
fsr-3245	502	6	,	,	PUNCT
fsr-3245	502	7	38	38	NUM
fsr-3245	502	8	,	,	PUNCT
fsr-3245	502	9	1272–1287	1272–1287	NUM
fsr-3245	502	10	.	.	PUNCT
fsr-3245	503	1	joireman	joireman	PROPN
fsr-3245	503	2	,	,	PUNCT
fsr-3245	503	3	j.	j.	PROPN
fsr-3245	503	4	,	,	PUNCT
fsr-3245	503	5	sprott	sprott	PROPN
fsr-3245	503	6	,	,	PUNCT
fsr-3245	503	7	d.	d.	PROPN
fsr-3245	503	8	e.	e.	PROPN
fsr-3245	503	9	,	,	PUNCT
fsr-3245	503	10	&	&	CCONJ
fsr-3245	503	11	spangenberg	spangenberg	PROPN
fsr-3245	503	12	,	,	PUNCT
fsr-3245	503	13	e.	e.	PROPN
fsr-3245	503	14	r.	r.	PROPN
fsr-3245	503	15	(	(	PUNCT
fsr-3245	503	16	2005	2005	NUM
fsr-3245	503	17	)	)	PUNCT
fsr-3245	503	18	.	.	PUNCT
fsr-3245	504	1	fiscal	fiscal	ADJ
fsr-3245	504	2	responsibility	responsibility	NOUN
fsr-3245	504	3	and	and	CCONJ
fsr-3245	504	4	the	the	DET
fsr-3245	504	5	consideration	consideration	NOUN
fsr-3245	504	6	of	of	ADP
fsr-3245	504	7	future	future	ADJ
fsr-3245	504	8	consequences	consequence	NOUN
fsr-3245	504	9	.	.	PUNCT
fsr-3245	505	1	personality	personality	NOUN
fsr-3245	505	2	and	and	CCONJ
fsr-3245	505	3	individual	individual	ADJ
fsr-3245	505	4	differences	difference	NOUN
fsr-3245	505	5	,	,	PUNCT
fsr-3245	505	6	39	39	NUM
fsr-3245	505	7	,	,	PUNCT
fsr-3245	505	8	1159–1168	1159–1168	NUM
fsr-3245	505	9	.	.	PUNCT
fsr-3245	506	1	joireman	joireman	PROPN
fsr-3245	506	2	,	,	PUNCT
fsr-3245	506	3	j.	j.	PROPN
fsr-3245	506	4	,	,	PUNCT
fsr-3245	506	5	van	van	PROPN
fsr-3245	506	6	lange	lange	NOUN
fsr-3245	506	7	,	,	PUNCT
fsr-3245	506	8	p.	p.	NOUN
fsr-3245	506	9	m.	m.	NOUN
fsr-3245	506	10	,	,	PUNCT
fsr-3245	506	11	&	&	CCONJ
fsr-3245	506	12	van	van	PROPN
fsr-3245	506	13	vugt	vugt	NOUN
fsr-3245	506	14	,	,	PUNCT
fsr-3245	506	15	m.	m.	NOUN
fsr-3245	506	16	(	(	PUNCT
fsr-3245	506	17	2004	2004	NUM
fsr-3245	506	18	)	)	PUNCT
fsr-3245	506	19	.	.	PUNCT
fsr-3245	507	1	who	who	PRON
fsr-3245	507	2	cares	care	VERB
fsr-3245	507	3	about	about	ADP
fsr-3245	507	4	the	the	DET
fsr-3245	507	5	environmental	environmental	ADJ
fsr-3245	507	6	impact	impact	NOUN
fsr-3245	507	7	of	of	ADP
fsr-3245	507	8	cars	car	NOUN
fsr-3245	507	9	?	?	PUNCT
fsr-3245	508	1	those	those	PRON
fsr-3245	508	2	with	with	ADP
fsr-3245	508	3	an	an	DET
fsr-3245	508	4	eye	eye	NOUN
fsr-3245	508	5	toward	toward	ADP
fsr-3245	508	6	the	the	DET
fsr-3245	508	7	future	future	NOUN
fsr-3245	508	8	.	.	PUNCT
fsr-3245	509	1	environment	environment	NOUN
fsr-3245	509	2	and	and	CCONJ
fsr-3245	509	3	behavior	behavior	NOUN
fsr-3245	509	4	,	,	PUNCT
fsr-3245	509	5	36	36	NUM
fsr-3245	509	6	,	,	PUNCT
fsr-3245	509	7	187–206	187–206	NUM
fsr-3245	509	8	.	.	PUNCT
fsr-3245	510	1	keough	keough	PROPN
fsr-3245	510	2	,	,	PUNCT
fsr-3245	510	3	k.	k.	PROPN
fsr-3245	510	4	a.	a.	PROPN
fsr-3245	510	5	,	,	PUNCT
fsr-3245	510	6	zimbardo	zimbardo	PROPN
fsr-3245	510	7	,	,	PUNCT
fsr-3245	510	8	p.	p.	NOUN
fsr-3245	510	9	g.	g.	PROPN
fsr-3245	510	10	,	,	PUNCT
fsr-3245	510	11	&	&	CCONJ
fsr-3245	510	12	boyd	boyd	PROPN
fsr-3245	510	13	,	,	PUNCT
fsr-3245	510	14	j.	j.	PROPN
fsr-3245	510	15	n.	n.	PROPN
fsr-3245	510	16	(	(	PUNCT
fsr-3245	510	17	1999	1999	NUM
fsr-3245	510	18	)	)	PUNCT
fsr-3245	510	19	.	.	PUNCT
fsr-3245	511	1	who	who	PRON
fsr-3245	511	2	’s	’s	AUX
fsr-3245	511	3	smoking	smoking	NOUN
fsr-3245	511	4	,	,	PUNCT
fsr-3245	511	5	drinking	drinking	NOUN
fsr-3245	511	6	,	,	PUNCT
fsr-3245	511	7	and	and	CCONJ
fsr-3245	511	8	using	use	VERB
fsr-3245	511	9	drugs	drug	NOUN
fsr-3245	511	10	?	?	PUNCT
fsr-3245	512	1	time	time	NOUN
fsr-3245	512	2	perspective	perspective	NOUN
fsr-3245	512	3	as	as	ADP
fsr-3245	512	4	a	a	DET
fsr-3245	512	5	predictor	predictor	NOUN
fsr-3245	512	6	of	of	ADP
fsr-3245	512	7	substance	substance	NOUN
fsr-3245	512	8	use	use	NOUN
fsr-3245	512	9	.	.	PUNCT
fsr-3245	513	1	basic	basic	ADJ
fsr-3245	513	2	and	and	CCONJ
fsr-3245	513	3	applied	apply	VERB
fsr-3245	513	4	social	social	ADJ
fsr-3245	513	5	psychology	psychology	NOUN
fsr-3245	513	6	,	,	PUNCT
fsr-3245	513	7	221	221	NUM
fsr-3245	513	8	,	,	PUNCT
fsr-3245	513	9	149–164	149–164	NUM
fsr-3245	513	10	.	.	PUNCT
fsr-3245	514	1	kida	kida	PROPN
fsr-3245	514	2	,	,	PUNCT
fsr-3245	514	3	t.	t.	PROPN
fsr-3245	514	4	,	,	PUNCT
fsr-3245	514	5	moreno	moreno	PROPN
fsr-3245	514	6	,	,	PUNCT
fsr-3245	514	7	k.	k.	PROPN
fsr-3245	514	8	,	,	PUNCT
fsr-3245	514	9	&	&	CCONJ
fsr-3245	514	10	smith	smith	PROPN
fsr-3245	514	11	,	,	PUNCT
fsr-3245	514	12	j.	j.	PROPN
fsr-3245	514	13	(	(	PUNCT
fsr-3245	514	14	2010	2010	NUM
fsr-3245	514	15	)	)	PUNCT
fsr-3245	514	16	.	.	PUNCT
fsr-3245	515	1	investment	investment	NOUN
fsr-3245	515	2	decision	decision	NOUN
fsr-3245	515	3	-	-	PUNCT
fsr-3245	515	4	making	making	NOUN
fsr-3245	515	5	:	:	PUNCT
fsr-3245	515	6	do	do	AUX
fsr-3245	515	7	experienced	experience	VERB
fsr-3245	515	8	decision	decision	NOUN
fsr-3245	515	9	makers	maker	NOUN
fsr-3245	515	10	fall	fall	VERB
fsr-3245	515	11	prey	prey	NOUN
fsr-3245	515	12	to	to	ADP
fsr-3245	515	13	the	the	DET
fsr-3245	515	14	paradox	paradox	NOUN
fsr-3245	515	15	of	of	ADP
fsr-3245	515	16	choice	choice	NOUN
fsr-3245	515	17	?	?	PUNCT
fsr-3245	516	1	journal	journal	NOUN
fsr-3245	516	2	of	of	ADP
fsr-3245	516	3	behavioral	behavioral	ADJ
fsr-3245	516	4	finance	finance	NOUN
fsr-3245	516	5	,	,	PUNCT
fsr-3245	516	6	11	11	NUM
fsr-3245	516	7	,	,	PUNCT
fsr-3245	516	8	21–30	21–30	NUM
fsr-3245	516	9	.	.	PUNCT
fsr-3245	516	10	mackillop	mackillop	PROPN
fsr-3245	516	11	,	,	PUNCT
fsr-3245	516	12	j.	j.	PROPN
fsr-3245	516	13	,	,	PUNCT
fsr-3245	516	14	anderson	anderson	PROPN
fsr-3245	516	15	,	,	PUNCT
fsr-3245	516	16	e.	e.	PROPN
fsr-3245	516	17	j.	j.	PROPN
fsr-3245	516	18	,	,	PUNCT
fsr-3245	516	19	castelda	castelda	PROPN
fsr-3245	516	20	,	,	PUNCT
fsr-3245	516	21	b.	b.	PROPN
fsr-3245	516	22	a.	a.	PROPN
fsr-3245	516	23	,	,	PUNCT
fsr-3245	516	24	mattson	mattson	PROPN
fsr-3245	516	25	,	,	PUNCT
fsr-3245	516	26	r.	r.	PROPN
fsr-3245	516	27	e.	e.	PROPN
fsr-3245	516	28	,	,	PUNCT
fsr-3245	516	29	&	&	CCONJ
fsr-3245	516	30	donovick	donovick	PROPN
fsr-3245	516	31	,	,	PUNCT
fsr-3245	516	32	p.	p.	NOUN
fsr-3245	516	33	j.	j.	PROPN
fsr-3245	517	1	(	(	PUNCT
fsr-3245	517	2	2006	2006	NUM
fsr-3245	517	3	)	)	PUNCT
fsr-3245	517	4	.	.	PUNCT
fsr-3245	518	1	convergent	convergent	ADJ
fsr-3245	518	2	validity	validity	NOUN
fsr-3245	518	3	of	of	ADP
fsr-3245	518	4	measures	measure	NOUN
fsr-3245	518	5	of	of	ADP
fsr-3245	518	6	cognitive	cognitive	ADJ
fsr-3245	518	7	distortions	distortion	NOUN
fsr-3245	518	8	,	,	PUNCT
fsr-3245	518	9	impulsivity	impulsivity	NOUN
fsr-3245	518	10	,	,	PUNCT
fsr-3245	518	11	and	and	CCONJ
fsr-3245	518	12	time	time	NOUN
fsr-3245	518	13	perspective	perspective	NOUN
fsr-3245	518	14	with	with	ADP
fsr-3245	518	15	pathological	pathological	ADJ
fsr-3245	518	16	gambling	gambling	NOUN
fsr-3245	518	17	.	.	PUNCT
fsr-3245	519	1	psychology	psychology	NOUN
fsr-3245	519	2	of	of	ADP
fsr-3245	519	3	addictive	addictive	ADJ
fsr-3245	519	4	behaviors	behavior	NOUN
fsr-3245	519	5	,	,	PUNCT
fsr-3245	519	6	20	20	NUM
fsr-3245	519	7	,	,	PUNCT
fsr-3245	519	8	75–79	75–79	ADV
fsr-3245	519	9	.	.	PUNCT
fsr-3245	520	1	mitina	mitina	PROPN
fsr-3245	520	2	,	,	PUNCT
fsr-3245	520	3	o.	o.	PROPN
fsr-3245	520	4	,	,	PUNCT
fsr-3245	520	5	&	&	CCONJ
fsr-3245	520	6	blinnikova	blinnikova	PROPN
fsr-3245	520	7	,	,	PUNCT
fsr-3245	520	8	s.	s.	PROPN
fsr-3245	520	9	(	(	PUNCT
fsr-3245	520	10	2008	2008	NUM
fsr-3245	520	11	)	)	PUNCT
fsr-3245	520	12	.	.	PUNCT
fsr-3245	521	1	adjusting	adjust	VERB
fsr-3245	521	2	the	the	DET
fsr-3245	521	3	structure	structure	NOUN
fsr-3245	521	4	of	of	ADP
fsr-3245	521	5	the	the	DET
fsr-3245	521	6	zimbardo	zimbardo	NOUN
fsr-3245	521	7	time	time	NOUN
fsr-3245	521	8	perspective	perspective	NOUN
fsr-3245	521	9	inventory	inventory	NOUN
fsr-3245	521	10	scales	scale	NOUN
fsr-3245	521	11	using	use	VERB
fsr-3245	521	12	russian	russian	ADJ
fsr-3245	521	13	data	datum	NOUN
fsr-3245	521	14	.	.	PUNCT
fsr-3245	522	1	international	international	ADJ
fsr-3245	522	2	journal	journal	PROPN
fsr-3245	522	3	of	of	ADP
fsr-3245	522	4	psychology	psychology	NOUN
fsr-3245	522	5	,	,	PUNCT
fsr-3245	522	6	43	43	NUM
fsr-3245	522	7	,	,	PUNCT
fsr-3245	522	8	42–42	42–42	NUM
fsr-3245	522	9	.	.	PUNCT
fsr-3245	522	10	modecki	modecki	PROPN
fsr-3245	522	11	,	,	PUNCT
fsr-3245	522	12	k.	k.	PROPN
fsr-3245	522	13	l.	l.	PROPN
fsr-3245	522	14	(	(	PUNCT
fsr-3245	522	15	2008	2008	NUM
fsr-3245	522	16	)	)	PUNCT
fsr-3245	522	17	.	.	PUNCT
fsr-3245	523	1	addressing	address	VERB
fsr-3245	523	2	gaps	gap	NOUN
fsr-3245	523	3	in	in	ADP
fsr-3245	523	4	the	the	DET
fsr-3245	523	5	maturity	maturity	NOUN
fsr-3245	523	6	of	of	ADP
fsr-3245	523	7	judgment	judgment	NOUN
fsr-3245	523	8	literature	literature	NOUN
fsr-3245	523	9	:	:	PUNCT
fsr-3245	523	10	age	age	NOUN
fsr-3245	523	11	differences	difference	NOUN
fsr-3245	523	12	and	and	CCONJ
fsr-3245	523	13	delinquency	delinquency	NOUN
fsr-3245	523	14	.	.	PUNCT
fsr-3245	524	1	law	law	NOUN
fsr-3245	524	2	and	and	CCONJ
fsr-3245	524	3	human	human	ADJ
fsr-3245	524	4	behavior	behavior	NOUN
fsr-3245	524	5	,	,	PUNCT
fsr-3245	524	6	32	32	NUM
fsr-3245	524	7	,	,	PUNCT
fsr-3245	524	8	78–91	78–91	NUM
fsr-3245	524	9	.	.	PUNCT
fsr-3245	524	10	nuttin	nuttin	NOUN
fsr-3245	524	11	,	,	PUNCT
fsr-3245	524	12	j.	j.	PROPN
fsr-3245	524	13	(	(	PUNCT
fsr-3245	524	14	1985	1985	NUM
fsr-3245	524	15	)	)	PUNCT
fsr-3245	524	16	.	.	PUNCT
fsr-3245	525	1	future	future	ADJ
fsr-3245	525	2	time	time	NOUN
fsr-3245	525	3	perspective	perspective	NOUN
fsr-3245	525	4	and	and	CCONJ
fsr-3245	525	5	motivation	motivation	NOUN
fsr-3245	525	6	:	:	PUNCT
fsr-3245	525	7	theory	theory	NOUN
fsr-3245	525	8	and	and	CCONJ
fsr-3245	525	9	research	research	NOUN
fsr-3245	525	10	method	method	NOUN
fsr-3245	525	11	.	.	PUNCT
fsr-3245	526	1	hillsdale	hillsdale	PROPN
fsr-3245	526	2	,	,	PUNCT
fsr-3245	526	3	nj	nj	PROPN
fsr-3245	526	4	:	:	PUNCT
fsr-3245	526	5	erlbaum	erlbaum	PROPN
fsr-3245	526	6	.	.	PUNCT
fsr-3245	527	1	o’reilly	o’reilly	ADV
fsr-3245	527	2	,	,	PUNCT
fsr-3245	527	3	m.	m.	NOUN
fsr-3245	527	4	(	(	PUNCT
fsr-3245	527	5	2000	2000	NUM
fsr-3245	527	6	)	)	PUNCT
fsr-3245	527	7	.	.	PUNCT
fsr-3245	528	1	cpas	cpa	NOUN
fsr-3245	528	2	have	have	AUX
fsr-3245	528	3	entered	enter	VERB
fsr-3245	528	4	the	the	DET
fsr-3245	528	5	financial	financial	ADJ
fsr-3245	528	6	services	service	NOUN
fsr-3245	528	7	arena	arena	NOUN
fsr-3245	528	8	:	:	PUNCT
fsr-3245	528	9	but	but	CCONJ
fsr-3245	528	10	will	will	AUX
fsr-3245	528	11	they	they	PRON
fsr-3245	528	12	score	score	VERB
fsr-3245	528	13	?	?	PUNCT
fsr-3245	529	1	ticker	ticker	NOUN
fsr-3245	529	2	,	,	PUNCT
fsr-3245	529	3	5	5	NUM
fsr-3245	529	4	,	,	PUNCT
fsr-3245	529	5	36–44	36–44	NUM
fsr-3245	529	6	.	.	PUNCT
fsr-3245	530	1	orbell	orbell	PROPN
fsr-3245	530	2	,	,	PUNCT
fsr-3245	530	3	s.	s.	PROPN
fsr-3245	530	4	,	,	PUNCT
fsr-3245	530	5	&	&	CCONJ
fsr-3245	530	6	hagger	hagger	PROPN
fsr-3245	530	7	,	,	PUNCT
fsr-3245	530	8	m.	m.	NOUN
fsr-3245	530	9	(	(	PUNCT
fsr-3245	530	10	2006	2006	NUM
fsr-3245	530	11	)	)	PUNCT
fsr-3245	530	12	.	.	PUNCT
fsr-3245	531	1	temporal	temporal	ADJ
fsr-3245	531	2	framing	framing	NOUN
fsr-3245	531	3	and	and	CCONJ
fsr-3245	531	4	the	the	DET
fsr-3245	531	5	decision	decision	NOUN
fsr-3245	531	6	to	to	PART
fsr-3245	531	7	take	take	VERB
fsr-3245	531	8	part	part	NOUN
fsr-3245	531	9	in	in	ADP
fsr-3245	531	10	type	type	NOUN
fsr-3245	531	11	2	2	NUM
fsr-3245	531	12	diabetes	diabetes	NOUN
fsr-3245	531	13	screening	screen	VERB
fsr-3245	531	14	:	:	PUNCT
fsr-3245	531	15	effects	effect	NOUN
fsr-3245	531	16	of	of	ADP
fsr-3245	531	17	individual	individual	ADJ
fsr-3245	531	18	differences	difference	NOUN
fsr-3245	531	19	in	in	ADP
fsr-3245	531	20	consideration	consideration	NOUN
fsr-3245	531	21	of	of	ADP
fsr-3245	531	22	future	future	ADJ
fsr-3245	531	23	consequences	consequence	NOUN
fsr-3245	531	24	on	on	ADP
fsr-3245	531	25	persuasion	persuasion	NOUN
fsr-3245	531	26	.	.	PUNCT
fsr-3245	532	1	health	health	NOUN
fsr-3245	532	2	psychology	psychology	NOUN
fsr-3245	532	3	,	,	PUNCT
fsr-3245	532	4	25	25	NUM
fsr-3245	532	5	,	,	PUNCT
fsr-3245	532	6	537–548	537–548	NUM
fsr-3245	532	7	.	.	PUNCT
fsr-3245	533	1	ouellette	ouellette	PROPN
fsr-3245	533	2	,	,	PUNCT
fsr-3245	533	3	j.	j.	PROPN
fsr-3245	533	4	a.	a.	PROPN
fsr-3245	533	5	,	,	PUNCT
fsr-3245	533	6	hessling	hessling	NOUN
fsr-3245	533	7	,	,	PUNCT
fsr-3245	533	8	r.	r.	PROPN
fsr-3245	533	9	,	,	PUNCT
fsr-3245	533	10	gibbons	gibbon	NOUN
fsr-3245	533	11	,	,	PUNCT
fsr-3245	533	12	f.	f.	PROPN
fsr-3245	533	13	x.	x.	PROPN
fsr-3245	533	14	,	,	PUNCT
fsr-3245	533	15	reis	reis	NOUN
fsr-3245	533	16	-	-	PUNCT
fsr-3245	533	17	bergan	bergan	NOUN
fsr-3245	533	18	,	,	PUNCT
fsr-3245	533	19	m.	m.	NOUN
fsr-3245	533	20	,	,	PUNCT
fsr-3245	533	21	&	&	CCONJ
fsr-3245	533	22	gerrard	gerrard	PROPN
fsr-3245	533	23	,	,	PUNCT
fsr-3245	533	24	m.	m.	NOUN
fsr-3245	533	25	(	(	PUNCT
fsr-3245	533	26	2005	2005	NUM
fsr-3245	533	27	)	)	PUNCT
fsr-3245	533	28	.	.	PUNCT
fsr-3245	534	1	using	use	VERB
fsr-3245	534	2	images	image	NOUN
fsr-3245	534	3	to	to	PART
fsr-3245	534	4	increase	increase	VERB
fsr-3245	534	5	exercise	exercise	NOUN
fsr-3245	534	6	behavior	behavior	NOUN
fsr-3245	534	7	:	:	PUNCT
fsr-3245	534	8	prototypes	prototype	NOUN
fsr-3245	534	9	versus	versus	ADP
fsr-3245	534	10	possible	possible	ADJ
fsr-3245	534	11	selves	self	NOUN
fsr-3245	534	12	.	.	PUNCT
fsr-3245	535	1	personality	personality	NOUN
fsr-3245	535	2	and	and	CCONJ
fsr-3245	535	3	social	social	ADJ
fsr-3245	535	4	psychology	psychology	NOUN
fsr-3245	535	5	bulletin	bulletin	NOUN
fsr-3245	535	6	,	,	PUNCT
fsr-3245	535	7	31	31	NUM
fsr-3245	535	8	,	,	PUNCT
fsr-3245	535	9	610	610	NUM
fsr-3245	535	10	–	–	PUNCT
fsr-3245	535	11	620	620	NUM
fsr-3245	535	12	.	.	PUNCT
fsr-3245	536	1	payne	payne	PROPN
fsr-3245	536	2	,	,	PUNCT
fsr-3245	536	3	j.	j.	PROPN
fsr-3245	536	4	w.	w.	PROPN
fsr-3245	536	5	(	(	PUNCT
fsr-3245	536	6	1982	1982	NUM
fsr-3245	536	7	)	)	PUNCT
fsr-3245	536	8	.	.	PUNCT
fsr-3245	537	1	contingent	contingent	ADJ
fsr-3245	537	2	decision	decision	NOUN
fsr-3245	537	3	behavior	behavior	NOUN
fsr-3245	537	4	.	.	PUNCT
fsr-3245	538	1	psychological	psychological	ADJ
fsr-3245	538	2	bulletin	bulletin	NOUN
fsr-3245	538	3	,	,	PUNCT
fsr-3245	538	4	92	92	NUM
fsr-3245	538	5	,	,	PUNCT
fsr-3245	538	6	382–402	382–402	NUM
fsr-3245	538	7	.	.	PUNCT
fsr-3245	539	1	payne	payne	PROPN
fsr-3245	539	2	,	,	PUNCT
fsr-3245	539	3	j.	j.	PROPN
fsr-3245	539	4	w.	w.	PROPN
fsr-3245	539	5	,	,	PUNCT
fsr-3245	539	6	bettman	bettman	PROPN
fsr-3245	539	7	,	,	PUNCT
fsr-3245	539	8	j.	j.	PROPN
fsr-3245	539	9	r.	r.	PROPN
fsr-3245	539	10	,	,	PUNCT
fsr-3245	539	11	&	&	CCONJ
fsr-3245	539	12	johnson	johnson	PROPN
fsr-3245	539	13	,	,	PUNCT
fsr-3245	539	14	e.	e.	PROPN
fsr-3245	539	15	j.	j.	PROPN
fsr-3245	539	16	(	(	PUNCT
fsr-3245	539	17	1992	1992	NUM
fsr-3245	539	18	)	)	PUNCT
fsr-3245	539	19	.	.	PUNCT
fsr-3245	540	1	behavioral	behavioral	ADJ
fsr-3245	540	2	decision	decision	NOUN
fsr-3245	540	3	research	research	NOUN
fsr-3245	540	4	:	:	PUNCT
fsr-3245	540	5	a	a	DET
fsr-3245	540	6	constructive	constructive	ADJ
fsr-3245	540	7	processing	processing	NOUN
fsr-3245	540	8	perspective	perspective	NOUN
fsr-3245	540	9	.	.	PUNCT
fsr-3245	541	1	annual	annual	ADJ
fsr-3245	541	2	review	review	NOUN
fsr-3245	541	3	of	of	ADP
fsr-3245	541	4	psychology	psychology	NOUN
fsr-3245	541	5	,	,	PUNCT
fsr-3245	541	6	43	43	NUM
fsr-3245	541	7	,	,	PUNCT
fsr-3245	541	8	87–131	87–131	NUM
fsr-3245	541	9	.	.	PUNCT
fsr-3245	542	1	petrocelli	petrocelli	PROPN
fsr-3245	542	2	,	,	PUNCT
fsr-3245	542	3	j.	j.	PROPN
fsr-3245	542	4	v.	v.	PROPN
fsr-3245	542	5	(	(	PUNCT
fsr-3245	542	6	2003	2003	NUM
fsr-3245	542	7	)	)	PUNCT
fsr-3245	542	8	.	.	PUNCT
fsr-3245	543	1	factor	factor	NOUN
fsr-3245	543	2	validation	validation	NOUN
fsr-3245	543	3	of	of	ADP
fsr-3245	543	4	the	the	DET
fsr-3245	543	5	consideration	consideration	NOUN
fsr-3245	543	6	of	of	ADP
fsr-3245	543	7	future	future	ADJ
fsr-3245	543	8	consequences	consequence	NOUN
fsr-3245	543	9	scale	scale	NOUN
fsr-3245	543	10	:	:	PUNCT
fsr-3245	543	11	evidence	evidence	NOUN
fsr-3245	543	12	for	for	ADP
fsr-3245	543	13	a	a	DET
fsr-3245	543	14	short	short	ADJ
fsr-3245	543	15	version	version	NOUN
fsr-3245	543	16	.	.	PUNCT
fsr-3245	544	1	journal	journal	NOUN
fsr-3245	544	2	of	of	ADP
fsr-3245	544	3	social	social	ADJ
fsr-3245	544	4	psychology	psychology	NOUN
fsr-3245	544	5	,	,	PUNCT
fsr-3245	544	6	143	143	NUM
fsr-3245	544	7	,	,	PUNCT
fsr-3245	544	8	405–413	405–413	NUM
fsr-3245	544	9	.	.	PUNCT
fsr-3245	545	1	rothspan	rothspan	PROPN
fsr-3245	545	2	,	,	PUNCT
fsr-3245	545	3	s.	s.	PROPN
fsr-3245	545	4	,	,	PUNCT
fsr-3245	545	5	&	&	CCONJ
fsr-3245	545	6	read	read	VERB
fsr-3245	545	7	,	,	PUNCT
fsr-3245	545	8	s.	s.	PROPN
fsr-3245	545	9	j.	j.	PROPN
fsr-3245	545	10	(	(	PUNCT
fsr-3245	545	11	1996	1996	NUM
fsr-3245	545	12	)	)	PUNCT
fsr-3245	545	13	.	.	PUNCT
fsr-3245	546	1	present	present	ADJ
fsr-3245	546	2	versus	versus	ADP
fsr-3245	546	3	future	future	ADJ
fsr-3245	546	4	time	time	NOUN
fsr-3245	546	5	perspective	perspective	NOUN
fsr-3245	546	6	and	and	CCONJ
fsr-3245	546	7	hiv	hiv	PROPN
fsr-3245	546	8	risk	risk	NOUN
fsr-3245	546	9	among	among	ADP
fsr-3245	546	10	heterosexual	heterosexual	ADJ
fsr-3245	546	11	college	college	NOUN
fsr-3245	546	12	students	student	NOUN
fsr-3245	546	13	.	.	PUNCT
fsr-3245	547	1	health	health	NOUN
fsr-3245	547	2	psychology	psychology	NOUN
fsr-3245	547	3	,	,	PUNCT
fsr-3245	547	4	15	15	NUM
fsr-3245	547	5	,	,	PUNCT
fsr-3245	547	6	131–134	131–134	NUM
fsr-3245	547	7	.	.	PUNCT
fsr-3245	548	1	ryack	ryack	NOUN
fsr-3245	548	2	,	,	PUNCT
fsr-3245	548	3	k.	k.	PROPN
fsr-3245	548	4	(	(	PUNCT
fsr-3245	548	5	2012	2012	NUM
fsr-3245	548	6	)	)	PUNCT
fsr-3245	548	7	.	.	PUNCT
fsr-3245	549	1	evidence	evidence	NOUN
fsr-3245	549	2	that	that	PRON
fsr-3245	549	3	time	time	NOUN
fsr-3245	549	4	perspective	perspective	NOUN
fsr-3245	549	5	factors	factor	NOUN
fsr-3245	549	6	depend	depend	VERB
fsr-3245	549	7	on	on	ADP
fsr-3245	549	8	the	the	DET
fsr-3245	549	9	group	group	NOUN
fsr-3245	549	10	:	:	PUNCT
fsr-3245	549	11	factor	factor	NOUN
fsr-3245	549	12	analyses	analysis	NOUN
fsr-3245	549	13	of	of	ADP
fsr-3245	549	14	the	the	DET
fsr-3245	549	15	cfc	cfc	PROPN
fsr-3245	549	16	and	and	CCONJ
fsr-3245	549	17	ztpi	ztpi	NOUN
fsr-3245	549	18	scales	scale	VERB
fsr-3245	549	19	with	with	ADP
fsr-3245	549	20	professional	professional	ADJ
fsr-3245	549	21	financial	financial	ADJ
fsr-3245	549	22	advisors	advisor	NOUN
fsr-3245	549	23	.	.	PUNCT
fsr-3245	550	1	personality	personality	NOUN
fsr-3245	550	2	and	and	CCONJ
fsr-3245	550	3	individual	individual	ADJ
fsr-3245	550	4	differences	difference	NOUN
fsr-3245	550	5	,	,	PUNCT
fsr-3245	550	6	52	52	NUM
fsr-3245	550	7	,	,	PUNCT
fsr-3245	550	8	723–727	723–727	NUM
fsr-3245	550	9	.	.	PUNCT
fsr-3245	551	1	smith	smith	PROPN
fsr-3245	551	2	,	,	PUNCT
fsr-3245	551	3	j.	j.	PROPN
fsr-3245	551	4	,	,	PUNCT
fsr-3245	551	5	&	&	CCONJ
fsr-3245	551	6	kida	kida	PROPN
fsr-3245	551	7	,	,	PUNCT
fsr-3245	551	8	t.	t.	PROPN
fsr-3245	551	9	(	(	PUNCT
fsr-3245	551	10	1991	1991	NUM
fsr-3245	551	11	)	)	PUNCT
fsr-3245	551	12	.	.	PUNCT
fsr-3245	552	1	heuristics	heuristic	NOUN
fsr-3245	552	2	and	and	CCONJ
fsr-3245	552	3	biases	bias	NOUN
fsr-3245	552	4	:	:	PUNCT
fsr-3245	552	5	expertise	expertise	NOUN
fsr-3245	552	6	and	and	CCONJ
fsr-3245	552	7	task	task	NOUN
fsr-3245	552	8	realism	realism	NOUN
fsr-3245	552	9	in	in	ADP
fsr-3245	552	10	auditing	audit	VERB
fsr-3245	552	11	.	.	PUNCT
fsr-3245	553	1	psychological	psychological	ADJ
fsr-3245	553	2	bulletin	bulletin	NOUN
fsr-3245	553	3	,	,	PUNCT
fsr-3245	553	4	109	109	NUM
fsr-3245	553	5	,	,	PUNCT
fsr-3245	553	6	472–489	472–489	PROPN
fsr-3245	553	7	.	.	PUNCT
fsr-3245	554	1	strathman	strathman	PROPN
fsr-3245	554	2	,	,	PUNCT
fsr-3245	554	3	a.	a.	NOUN
fsr-3245	554	4	,	,	PUNCT
fsr-3245	554	5	gleicher	gleicher	NOUN
fsr-3245	554	6	,	,	PUNCT
fsr-3245	554	7	f.	f.	PROPN
fsr-3245	554	8	,	,	PUNCT
fsr-3245	554	9	boninger	boninger	NOUN
fsr-3245	554	10	,	,	PUNCT
fsr-3245	554	11	d.	d.	PROPN
fsr-3245	554	12	s.	s.	PROPN
fsr-3245	554	13	,	,	PUNCT
fsr-3245	554	14	&	&	CCONJ
fsr-3245	554	15	edwards	edwards	PROPN
fsr-3245	554	16	,	,	PUNCT
fsr-3245	554	17	c.	c.	PROPN
fsr-3245	554	18	s.	s.	PROPN
fsr-3245	554	19	(	(	PUNCT
fsr-3245	554	20	1994	1994	NUM
fsr-3245	554	21	)	)	PUNCT
fsr-3245	554	22	.	.	PUNCT
fsr-3245	555	1	the	the	DET
fsr-3245	555	2	consideration	consideration	NOUN
fsr-3245	555	3	of	of	ADP
fsr-3245	555	4	future	future	ADJ
fsr-3245	555	5	consequences	consequence	NOUN
fsr-3245	555	6	:	:	PUNCT
fsr-3245	555	7	409k.n	409k.n	X
fsr-3245	555	8	.	.	PUNCT
fsr-3245	555	9	ryack	ryack	NOUN
fsr-3245	555	10	/	/	SYM
fsr-3245	555	11	financial	financial	ADJ
fsr-3245	555	12	services	service	NOUN
fsr-3245	555	13	review	review	VERB
fsr-3245	555	14	24	24	NUM
fsr-3245	555	15	(	(	PUNCT
fsr-3245	555	16	2015	2015	NUM
fsr-3245	555	17	)	)	PUNCT
fsr-3245	555	18	387–410	387–410	NUM
fsr-3245	555	19	weighing	weigh	VERB
fsr-3245	555	20	immediate	immediate	ADJ
fsr-3245	555	21	and	and	CCONJ
fsr-3245	555	22	distant	distant	ADJ
fsr-3245	555	23	outcomes	outcome	NOUN
fsr-3245	555	24	of	of	ADP
fsr-3245	555	25	behavior	behavior	NOUN
fsr-3245	555	26	.	.	PUNCT
fsr-3245	556	1	journal	journal	NOUN
fsr-3245	556	2	of	of	ADP
fsr-3245	556	3	personality	personality	NOUN
fsr-3245	556	4	and	and	CCONJ
fsr-3245	556	5	social	social	ADJ
fsr-3245	556	6	psychology	psychology	NOUN
fsr-3245	556	7	,	,	PUNCT
fsr-3245	556	8	66	66	NUM
fsr-3245	556	9	,	,	PUNCT
fsr-3245	556	10	742–752	742–752	NUM
fsr-3245	556	11	.	.	PUNCT
fsr-3245	557	1	toepoel	toepoel	ADV
fsr-3245	557	2	,	,	PUNCT
fsr-3245	557	3	v.	v.	PROPN
fsr-3245	557	4	(	(	PUNCT
fsr-3245	557	5	2010	2010	NUM
fsr-3245	557	6	)	)	PUNCT
fsr-3245	557	7	.	.	PUNCT
fsr-3245	558	1	is	be	AUX
fsr-3245	558	2	consideration	consideration	NOUN
fsr-3245	558	3	of	of	ADP
fsr-3245	558	4	future	future	ADJ
fsr-3245	558	5	consequences	consequence	NOUN
fsr-3245	558	6	a	a	DET
fsr-3245	558	7	changeable	changeable	ADJ
fsr-3245	558	8	construct	construct	NOUN
fsr-3245	558	9	?	?	PUNCT
fsr-3245	559	1	personality	personality	NOUN
fsr-3245	559	2	and	and	CCONJ
fsr-3245	559	3	individual	individual	ADJ
fsr-3245	559	4	differences	difference	NOUN
fsr-3245	559	5	,	,	PUNCT
fsr-3245	559	6	48	48	NUM
fsr-3245	559	7	,	,	PUNCT
fsr-3245	559	8	951–956	951–956	NUM
fsr-3245	559	9	.	.	PUNCT
fsr-3245	560	1	doi	doi	NOUN
fsr-3245	560	2	:	:	PUNCT
fsr-3245	560	3	10.1016	10.1016	NUM
fsr-3245	560	4	/	/	SYM
fsr-3245	560	5	j.paid.2010.02.029	j.paid.2010.02.029	PROPN
fsr-3245	560	6	.	.	PUNCT
fsr-3245	561	1	toplak	toplak	ADJ
fsr-3245	561	2	,	,	PUNCT
fsr-3245	561	3	m.	m.	PROPN
fsr-3245	561	4	e.	e.	PROPN
fsr-3245	561	5	,	,	PUNCT
fsr-3245	561	6	liu	liu	PROPN
fsr-3245	561	7	,	,	PUNCT
fsr-3245	561	8	e.	e.	PROPN
fsr-3245	561	9	,	,	PUNCT
fsr-3245	561	10	macpherson	macpherson	PROPN
fsr-3245	561	11	,	,	PUNCT
fsr-3245	561	12	r.	r.	PROPN
fsr-3245	561	13	,	,	PUNCT
fsr-3245	561	14	toneatto	toneatto	ADJ
fsr-3245	561	15	,	,	PUNCT
fsr-3245	561	16	t.	t.	PROPN
fsr-3245	561	17	,	,	PUNCT
fsr-3245	561	18	&	&	CCONJ
fsr-3245	561	19	stanovich	stanovich	PROPN
fsr-3245	561	20	,	,	PUNCT
fsr-3245	561	21	k.	k.	PROPN
fsr-3245	561	22	e.	e.	PROPN
fsr-3245	562	1	(	(	PUNCT
fsr-3245	562	2	2007	2007	NUM
fsr-3245	562	3	)	)	PUNCT
fsr-3245	562	4	.	.	PUNCT
fsr-3245	563	1	the	the	DET
fsr-3245	563	2	reasoning	reasoning	NOUN
fsr-3245	563	3	skills	skill	NOUN
fsr-3245	563	4	and	and	CCONJ
fsr-3245	563	5	thinking	think	VERB
fsr-3245	563	6	dispositions	disposition	NOUN
fsr-3245	563	7	of	of	ADP
fsr-3245	563	8	problem	problem	NOUN
fsr-3245	563	9	gamblers	gambler	NOUN
fsr-3245	563	10	:	:	PUNCT
fsr-3245	563	11	a	a	DET
fsr-3245	563	12	dual	dual	ADJ
fsr-3245	563	13	-	-	PUNCT
fsr-3245	563	14	process	process	NOUN
fsr-3245	563	15	taxonomy	taxonomy	NOUN
fsr-3245	563	16	.	.	PUNCT
fsr-3245	564	1	journal	journal	NOUN
fsr-3245	564	2	of	of	ADP
fsr-3245	564	3	behavioral	behavioral	ADJ
fsr-3245	564	4	decision	decision	NOUN
fsr-3245	564	5	-	-	PUNCT
fsr-3245	564	6	making	making	NOUN
fsr-3245	564	7	,	,	PUNCT
fsr-3245	564	8	20	20	NUM
fsr-3245	564	9	,	,	PUNCT
fsr-3245	564	10	103–124	103–124	NUM
fsr-3245	564	11	.	.	PUNCT
fsr-3245	565	1	trahan	trahan	PROPN
fsr-3245	565	2	,	,	PUNCT
fsr-3245	565	3	e.	e.	PROPN
fsr-3245	565	4	a.	a.	PROPN
fsr-3245	565	5	,	,	PUNCT
fsr-3245	565	6	gitman	gitman	PROPN
fsr-3245	565	7	,	,	PUNCT
fsr-3245	565	8	l.	l.	PROPN
fsr-3245	565	9	j.	j.	PROPN
fsr-3245	565	10	,	,	PUNCT
fsr-3245	565	11	&	&	CCONJ
fsr-3245	565	12	trevino	trevino	PROPN
fsr-3245	565	13	,	,	PUNCT
fsr-3245	565	14	m.	m.	NOUN
fsr-3245	565	15	d.	d.	PROPN
fsr-3245	565	16	(	(	PUNCT
fsr-3245	565	17	2012	2012	NUM
fsr-3245	565	18	)	)	PUNCT
fsr-3245	565	19	.	.	PUNCT
fsr-3245	566	1	virtual	virtual	ADJ
fsr-3245	566	2	financial	financial	ADJ
fsr-3245	566	3	planners	planner	NOUN
fsr-3245	566	4	:	:	PUNCT
fsr-3245	566	5	product	product	NOUN
fsr-3245	566	6	,	,	PUNCT
fsr-3245	566	7	market	market	NOUN
fsr-3245	566	8	,	,	PUNCT
fsr-3245	566	9	and	and	CCONJ
fsr-3245	566	10	challenges	challenge	NOUN
fsr-3245	566	11	.	.	PUNCT
fsr-3245	567	1	financial	financial	ADJ
fsr-3245	567	2	services	service	NOUN
fsr-3245	567	3	review	review	PROPN
fsr-3245	567	4	,	,	PUNCT
fsr-3245	567	5	21	21	NUM
fsr-3245	567	6	,	,	PUNCT
fsr-3245	567	7	95–129	95–129	NUM
fsr-3245	567	8	.	.	PUNCT
fsr-3245	567	9	trommsdorff	trommsdorff	NOUN
fsr-3245	567	10	,	,	PUNCT
fsr-3245	567	11	g.	g.	PROPN
fsr-3245	567	12	(	(	PUNCT
fsr-3245	567	13	1983	1983	NUM
fsr-3245	567	14	)	)	PUNCT
fsr-3245	567	15	.	.	PUNCT
fsr-3245	568	1	future	future	ADJ
fsr-3245	568	2	orientation	orientation	NOUN
fsr-3245	568	3	and	and	CCONJ
fsr-3245	568	4	socialization	socialization	NOUN
fsr-3245	568	5	.	.	PUNCT
fsr-3245	569	1	international	international	ADJ
fsr-3245	569	2	journal	journal	PROPN
fsr-3245	569	3	of	of	ADP
fsr-3245	569	4	psychology	psychology	NOUN
fsr-3245	569	5	,	,	PUNCT
fsr-3245	569	6	18	18	NUM
fsr-3245	569	7	,	,	PUNCT
fsr-3245	569	8	381–406	381–406	NUM
fsr-3245	569	9	.	.	PUNCT
fsr-3245	569	10	warschauer	warschauer	NOUN
fsr-3245	569	11	,	,	PUNCT
fsr-3245	569	12	t.	t.	PROPN
fsr-3245	569	13	(	(	PUNCT
fsr-3245	569	14	2002	2002	NUM
fsr-3245	569	15	)	)	PUNCT
fsr-3245	569	16	.	.	PUNCT
fsr-3245	570	1	the	the	DET
fsr-3245	570	2	role	role	NOUN
fsr-3245	570	3	of	of	ADP
fsr-3245	570	4	universities	university	NOUN
fsr-3245	570	5	in	in	ADP
fsr-3245	570	6	the	the	DET
fsr-3245	570	7	development	development	NOUN
fsr-3245	570	8	of	of	ADP
fsr-3245	570	9	the	the	DET
fsr-3245	570	10	personal	personal	ADJ
fsr-3245	570	11	financial	financial	ADJ
fsr-3245	570	12	planning	planning	NOUN
fsr-3245	570	13	profession	profession	NOUN
fsr-3245	570	14	.	.	PUNCT
fsr-3245	571	1	financial	financial	ADJ
fsr-3245	571	2	services	service	NOUN
fsr-3245	571	3	review	review	NOUN
fsr-3245	571	4	,	,	PUNCT
fsr-3245	571	5	11	11	NUM
fsr-3245	571	6	,	,	PUNCT
fsr-3245	571	7	201–216	201–216	NUM
fsr-3245	571	8	.	.	PUNCT
fsr-3245	572	1	wolosky	wolosky	ADJ
fsr-3245	572	2	,	,	PUNCT
fsr-3245	572	3	h.	h.	PROPN
fsr-3245	572	4	(	(	PUNCT
fsr-3245	572	5	2005	2005	NUM
fsr-3245	572	6	)	)	PUNCT
fsr-3245	572	7	.	.	PUNCT
fsr-3245	573	1	rating	rating	NOUN
fsr-3245	573	2	cpas	cpa	NOUN
fsr-3245	573	3	as	as	ADP
fsr-3245	573	4	financial	financial	ADJ
fsr-3245	573	5	planners	planner	NOUN
fsr-3245	573	6	.	.	PUNCT
fsr-3245	574	1	retrieved	retrieve	VERB
fsr-3245	574	2	www.cpa2biz.com	www.cpa2biz.com	PROPN
fsr-3245	574	3	worrell	worrell	PROPN
fsr-3245	574	4	,	,	PUNCT
fsr-3245	574	5	f.	f.	PROPN
fsr-3245	574	6	c.	c.	PROPN
fsr-3245	574	7	,	,	PUNCT
fsr-3245	574	8	&	&	CCONJ
fsr-3245	574	9	mello	mello	PROPN
fsr-3245	574	10	,	,	PUNCT
fsr-3245	574	11	z.	z.	PROPN
fsr-3245	574	12	r.	r.	PROPN
fsr-3245	574	13	(	(	PUNCT
fsr-3245	574	14	2007	2007	NUM
fsr-3245	574	15	)	)	PUNCT
fsr-3245	574	16	.	.	PUNCT
fsr-3245	575	1	the	the	DET
fsr-3245	575	2	reliability	reliability	NOUN
fsr-3245	575	3	and	and	CCONJ
fsr-3245	575	4	validity	validity	NOUN
fsr-3245	575	5	of	of	ADP
fsr-3245	575	6	zimbardo	zimbardo	NOUN
fsr-3245	575	7	time	time	NOUN
fsr-3245	575	8	perspective	perspective	PROPN
fsr-3245	575	9	inventory	inventory	NOUN
fsr-3245	575	10	scores	score	NOUN
fsr-3245	575	11	in	in	ADP
fsr-3245	575	12	academically	academically	ADV
fsr-3245	575	13	talented	talented	ADJ
fsr-3245	575	14	adolescents	adolescent	NOUN
fsr-3245	575	15	.	.	PUNCT
fsr-3245	576	1	educational	educational	ADJ
fsr-3245	576	2	and	and	CCONJ
fsr-3245	576	3	psychological	psychological	ADJ
fsr-3245	576	4	measurement	measurement	NOUN
fsr-3245	576	5	,	,	PUNCT
fsr-3245	576	6	67	67	NUM
fsr-3245	576	7	,	,	PUNCT
fsr-3245	576	8	487–504	487–504	NUM
fsr-3245	576	9	.	.	PUNCT
fsr-3245	577	1	zimbardo	zimbardo	NOUN
fsr-3245	577	2	,	,	PUNCT
fsr-3245	577	3	p.	p.	NOUN
fsr-3245	577	4	g.	g.	PROPN
fsr-3245	577	5	,	,	PUNCT
fsr-3245	577	6	&	&	CCONJ
fsr-3245	577	7	boyd	boyd	PROPN
fsr-3245	577	8	,	,	PUNCT
fsr-3245	577	9	j.	j.	PROPN
fsr-3245	577	10	n.	n.	PROPN
fsr-3245	577	11	(	(	PUNCT
fsr-3245	577	12	1999	1999	NUM
fsr-3245	577	13	)	)	PUNCT
fsr-3245	577	14	.	.	PUNCT
fsr-3245	578	1	putting	put	VERB
fsr-3245	578	2	time	time	NOUN
fsr-3245	578	3	in	in	ADP
fsr-3245	578	4	perspective	perspective	NOUN
fsr-3245	578	5	:	:	PUNCT
fsr-3245	578	6	a	a	DET
fsr-3245	578	7	valid	valid	ADJ
fsr-3245	578	8	,	,	PUNCT
fsr-3245	578	9	reliable	reliable	ADJ
fsr-3245	578	10	individual	individual	ADJ
fsr-3245	578	11	-	-	PUNCT
fsr-3245	578	12	differences	difference	NOUN
fsr-3245	578	13	metric	metric	ADJ
fsr-3245	578	14	.	.	PUNCT
fsr-3245	579	1	journal	journal	NOUN
fsr-3245	579	2	of	of	ADP
fsr-3245	579	3	personality	personality	NOUN
fsr-3245	579	4	and	and	CCONJ
fsr-3245	579	5	social	social	ADJ
fsr-3245	579	6	psychology	psychology	NOUN
fsr-3245	579	7	,	,	PUNCT
fsr-3245	579	8	77	77	NUM
fsr-3245	579	9	,	,	PUNCT
fsr-3245	579	10	1271–1288	1271–1288	NUM
fsr-3245	579	11	.	.	PUNCT
fsr-3245	580	1	zimbardo	zimbardo	NOUN
fsr-3245	580	2	,	,	PUNCT
fsr-3245	580	3	p.	p.	PROPN
fsr-3245	580	4	g.	g.	PROPN
fsr-3245	580	5	,	,	PUNCT
fsr-3245	580	6	keough	keough	PROPN
fsr-3245	580	7	,	,	PUNCT
fsr-3245	580	8	k.	k.	PROPN
fsr-3245	580	9	a.	a.	PROPN
fsr-3245	580	10	,	,	PUNCT
fsr-3245	580	11	&	&	CCONJ
fsr-3245	580	12	boyd	boyd	PROPN
fsr-3245	580	13	,	,	PUNCT
fsr-3245	580	14	j.	j.	PROPN
fsr-3245	580	15	n.	n.	PROPN
fsr-3245	580	16	(	(	PUNCT
fsr-3245	580	17	1997	1997	NUM
fsr-3245	580	18	)	)	PUNCT
fsr-3245	580	19	.	.	PUNCT
fsr-3245	581	1	present	present	ADJ
fsr-3245	581	2	time	time	NOUN
fsr-3245	581	3	perspective	perspective	NOUN
fsr-3245	581	4	as	as	ADP
fsr-3245	581	5	a	a	DET
fsr-3245	581	6	predictor	predictor	NOUN
fsr-3245	581	7	of	of	ADP
fsr-3245	581	8	risky	risky	ADJ
fsr-3245	581	9	driving	driving	NOUN
fsr-3245	581	10	.	.	PUNCT
fsr-3245	582	1	personality	personality	NOUN
fsr-3245	582	2	and	and	CCONJ
fsr-3245	582	3	individual	individual	ADJ
fsr-3245	582	4	differences	difference	NOUN
fsr-3245	582	5	,	,	PUNCT
fsr-3245	582	6	23	23	NUM
fsr-3245	582	7	,	,	PUNCT
fsr-3245	582	8	1007–1023	1007–1023	NUM
fsr-3245	582	9	.	.	PUNCT
fsr-3245	583	1	410	410	NUM
fsr-3245	583	2	k.n	k.n	PROPN
fsr-3245	583	3	.	.	PROPN
fsr-3245	583	4	ryack	ryack	PROPN
fsr-3245	583	5	/	/	SYM
fsr-3245	583	6	financial	financial	ADJ
fsr-3245	583	7	services	service	NOUN
fsr-3245	583	8	review	review	VERB
fsr-3245	583	9	24	24	NUM
fsr-3245	583	10	(	(	PUNCT
fsr-3245	583	11	2015	2015	NUM
fsr-3245	583	12	)	)	PUNCT
fsr-3245	583	13	387–410	387–410	NUM