id	sid	tid	token	lemma	pos
fsr-3252	1	1	from	from	ADP
fsr-3252	1	2	the	the	DET
fsr-3252	1	3	editor	editor	NOUN
fsr-3252	1	4	this	this	DET
fsr-3252	1	5	issue	issue	NOUN
fsr-3252	1	6	contains	contain	VERB
fsr-3252	1	7	issue	issue	NOUN
fsr-3252	1	8	1	1	NUM
fsr-3252	1	9	of	of	ADP
fsr-3252	1	10	volume	volume	NOUN
fsr-3252	1	11	24	24	NUM
fsr-3252	1	12	of	of	ADP
fsr-3252	1	13	financial	financial	ADJ
fsr-3252	1	14	services	service	NOUN
fsr-3252	1	15	review	review	NOUN
fsr-3252	1	16	(	(	PUNCT
fsr-3252	1	17	fsr	fsr	PROPN
fsr-3252	1	18	)	)	PUNCT
fsr-3252	1	19	.	.	PUNCT
fsr-3252	2	1	i	i	PRON
fsr-3252	2	2	would	would	AUX
fsr-3252	2	3	like	like	VERB
fsr-3252	2	4	to	to	PART
fsr-3252	2	5	thank	thank	VERB
fsr-3252	2	6	the	the	DET
fsr-3252	2	7	board	board	NOUN
fsr-3252	2	8	and	and	CCONJ
fsr-3252	2	9	members	member	NOUN
fsr-3252	2	10	of	of	ADP
fsr-3252	2	11	the	the	DET
fsr-3252	2	12	academy	academy	NOUN
fsr-3252	2	13	of	of	ADP
fsr-3252	2	14	financial	financial	ADJ
fsr-3252	2	15	services	service	NOUN
fsr-3252	2	16	for	for	ADP
fsr-3252	2	17	their	their	PRON
fsr-3252	2	18	continued	continue	VERB
fsr-3252	2	19	support	support	NOUN
fsr-3252	2	20	.	.	PUNCT
fsr-3252	3	1	i	i	PRON
fsr-3252	3	2	continue	continue	VERB
fsr-3252	3	3	to	to	PART
fsr-3252	3	4	work	work	VERB
fsr-3252	3	5	in	in	ADP
fsr-3252	3	6	broadening	broaden	VERB
fsr-3252	3	7	the	the	DET
fsr-3252	3	8	scope	scope	NOUN
fsr-3252	3	9	of	of	ADP
fsr-3252	3	10	articles	article	NOUN
fsr-3252	3	11	,	,	PUNCT
fsr-3252	3	12	while	while	SCONJ
fsr-3252	3	13	still	still	ADV
fsr-3252	3	14	focusing	focus	VERB
fsr-3252	3	15	on	on	ADP
fsr-3252	3	16	individual	individual	ADJ
fsr-3252	3	17	financial	financial	ADJ
fsr-3252	3	18	management	management	NOUN
fsr-3252	3	19	and	and	CCONJ
fsr-3252	3	20	personal	personal	ADJ
fsr-3252	3	21	financial	financial	ADJ
fsr-3252	3	22	planning	planning	NOUN
fsr-3252	3	23	.	.	PUNCT
fsr-3252	4	1	i	i	PRON
fsr-3252	4	2	encourage	encourage	VERB
fsr-3252	4	3	authors	author	NOUN
fsr-3252	4	4	to	to	PART
fsr-3252	4	5	reach	reach	VERB
fsr-3252	4	6	out	out	ADP
fsr-3252	4	7	when	when	SCONJ
fsr-3252	4	8	discussing	discuss	VERB
fsr-3252	4	9	implications	implication	NOUN
fsr-3252	4	10	of	of	ADP
fsr-3252	4	11	their	their	PRON
fsr-3252	4	12	findings	finding	NOUN
fsr-3252	4	13	in	in	ADP
fsr-3252	4	14	a	a	DET
fsr-3252	4	15	more	more	ADV
fsr-3252	4	16	comprehensive	comprehensive	ADJ
fsr-3252	4	17	way	way	NOUN
fsr-3252	4	18	.	.	PUNCT
fsr-3252	5	1	as	as	SCONJ
fsr-3252	5	2	such	such	ADJ
fsr-3252	5	3	,	,	PUNCT
fsr-3252	5	4	all	all	DET
fsr-3252	5	5	articles	article	NOUN
fsr-3252	5	6	in	in	ADP
fsr-3252	5	7	the	the	DET
fsr-3252	5	8	journal	journal	NOUN
fsr-3252	5	9	more	more	ADV
fsr-3252	5	10	appropriately	appropriately	ADV
fsr-3252	5	11	relate	relate	VERB
fsr-3252	5	12	to	to	ADP
fsr-3252	5	13	financial	financial	ADJ
fsr-3252	5	14	planning	planning	NOUN
fsr-3252	5	15	issues	issue	NOUN
fsr-3252	5	16	.	.	PUNCT
fsr-3252	6	1	the	the	DET
fsr-3252	6	2	lead	lead	ADJ
fsr-3252	6	3	article	article	NOUN
fsr-3252	6	4	“	"	PUNCT
fsr-3252	6	5	gender	gender	NOUN
fsr-3252	6	6	differences	difference	NOUN
fsr-3252	6	7	in	in	ADP
fsr-3252	6	8	saving	save	VERB
fsr-3252	6	9	behaviors	behavior	NOUN
fsr-3252	6	10	among	among	ADP
fsr-3252	6	11	lowto	lowto	PROPN
fsr-3252	6	12	moderateincome	moderateincome	PROPN
fsr-3252	6	13	households	household	NOUN
fsr-3252	6	14	”	"	PUNCT
fsr-3252	6	15	is	be	AUX
fsr-3252	6	16	coauthored	coauthore	VERB
fsr-3252	6	17	by	by	ADP
fsr-3252	6	18	patti	patti	PROPN
fsr-3252	6	19	j.	j.	PROPN
fsr-3252	6	20	fisher	fisher	PROPN
fsr-3252	6	21	at	at	ADP
fsr-3252	6	22	virginia	virginia	PROPN
fsr-3252	6	23	tech	tech	PROPN
fsr-3252	6	24	,	,	PUNCT
fsr-3252	6	25	celia	celia	PROPN
fsr-3252	6	26	r.	r.	PROPN
fsr-3252	6	27	hayhoe	hayhoe	PROPN
fsr-3252	6	28	at	at	ADP
fsr-3252	6	29	virginia	virginia	PROPN
fsr-3252	6	30	tech	tech	NOUN
fsr-3252	6	31	,	,	PUNCT
fsr-3252	6	32	and	and	CCONJ
fsr-3252	6	33	jean	jean	PROPN
fsr-3252	6	34	m.	m.	PROPN
fsr-3252	6	35	lown	lown	PROPN
fsr-3252	6	36	at	at	ADP
fsr-3252	6	37	utah	utah	PROPN
fsr-3252	6	38	state	state	PROPN
fsr-3252	6	39	university	university	PROPN
fsr-3252	6	40	.	.	PUNCT
fsr-3252	7	1	in	in	ADP
fsr-3252	7	2	this	this	DET
fsr-3252	7	3	paper	paper	NOUN
fsr-3252	7	4	,	,	PUNCT
fsr-3252	7	5	the	the	DET
fsr-3252	7	6	authors	author	NOUN
fsr-3252	7	7	explore	explore	VERB
fsr-3252	7	8	gender	gender	NOUN
fsr-3252	7	9	differences	difference	NOUN
fsr-3252	7	10	in	in	ADP
fsr-3252	7	11	saving	save	VERB
fsr-3252	7	12	behaviors	behavior	NOUN
fsr-3252	7	13	among	among	ADP
fsr-3252	7	14	lowto	lowto	NOUN
fsr-3252	7	15	moderate	moderate	ADJ
fsr-3252	7	16	-	-	PUNCT
fsr-3252	7	17	income	income	NOUN
fsr-3252	7	18	households	household	NOUN
fsr-3252	7	19	using	use	VERB
fsr-3252	7	20	data	datum	NOUN
fsr-3252	7	21	collected	collect	VERB
fsr-3252	7	22	online	online	ADV
fsr-3252	7	23	from	from	ADP
fsr-3252	7	24	a	a	DET
fsr-3252	7	25	national	national	ADJ
fsr-3252	7	26	sample	sample	NOUN
fsr-3252	7	27	of	of	ADP
fsr-3252	7	28	lowto	lowto	NOUN
fsr-3252	7	29	moderate	moderate	ADJ
fsr-3252	7	30	-	-	PUNCT
fsr-3252	7	31	income	income	NOUN
fsr-3252	7	32	households	household	NOUN
fsr-3252	7	33	and	and	CCONJ
fsr-3252	7	34	data	datum	NOUN
fsr-3252	7	35	on	on	ADP
fsr-3252	7	36	similar	similar	ADJ
fsr-3252	7	37	income	income	NOUN
fsr-3252	7	38	single	single	ADJ
fsr-3252	7	39	households	household	NOUN
fsr-3252	7	40	from	from	ADP
fsr-3252	7	41	the	the	DET
fsr-3252	7	42	2010	2010	NUM
fsr-3252	7	43	survey	survey	NOUN
fsr-3252	7	44	of	of	ADP
fsr-3252	7	45	consumer	consumer	NOUN
fsr-3252	7	46	finances	finance	NOUN
fsr-3252	7	47	.	.	PUNCT
fsr-3252	8	1	their	their	PRON
fsr-3252	8	2	results	result	NOUN
fsr-3252	8	3	indicate	indicate	VERB
fsr-3252	8	4	that	that	SCONJ
fsr-3252	8	5	saving	save	VERB
fsr-3252	8	6	behaviors	behavior	NOUN
fsr-3252	8	7	differ	differ	VERB
fsr-3252	8	8	by	by	ADP
fsr-3252	8	9	gender	gender	NOUN
fsr-3252	8	10	.	.	PUNCT
fsr-3252	9	1	they	they	PRON
fsr-3252	9	2	find	find	VERB
fsr-3252	9	3	gender	gender	NOUN
fsr-3252	9	4	differences	difference	NOUN
fsr-3252	9	5	in	in	ADP
fsr-3252	9	6	the	the	DET
fsr-3252	9	7	effects	effect	NOUN
fsr-3252	9	8	of	of	ADP
fsr-3252	9	9	high	high	ADJ
fsr-3252	9	10	risk	risk	NOUN
fsr-3252	9	11	tolerance	tolerance	NOUN
fsr-3252	9	12	and	and	CCONJ
fsr-3252	9	13	being	be	AUX
fsr-3252	9	14	non	non	ADJ
fsr-3252	9	15	-	-	ADJ
fsr-3252	9	16	white	white	ADJ
fsr-3252	9	17	on	on	ADP
fsr-3252	9	18	the	the	DET
fsr-3252	9	19	likelihood	likelihood	NOUN
fsr-3252	9	20	of	of	ADP
fsr-3252	9	21	being	be	AUX
fsr-3252	9	22	a	a	DET
fsr-3252	9	23	saver	saver	NOUN
fsr-3252	9	24	.	.	PUNCT
fsr-3252	10	1	they	they	PRON
fsr-3252	10	2	also	also	ADV
fsr-3252	10	3	find	find	VERB
fsr-3252	10	4	that	that	SCONJ
fsr-3252	10	5	the	the	DET
fsr-3252	10	6	presence	presence	NOUN
fsr-3252	10	7	of	of	ADP
fsr-3252	10	8	other	other	ADJ
fsr-3252	10	9	household	household	NOUN
fsr-3252	10	10	members	member	NOUN
fsr-3252	10	11	affects	affect	VERB
fsr-3252	10	12	savings	saving	NOUN
fsr-3252	10	13	differently	differently	ADV
fsr-3252	10	14	for	for	ADP
fsr-3252	10	15	women	woman	NOUN
fsr-3252	10	16	and	and	CCONJ
fsr-3252	10	17	men	man	NOUN
fsr-3252	10	18	.	.	PUNCT
fsr-3252	11	1	they	they	PRON
fsr-3252	11	2	recommend	recommend	VERB
fsr-3252	11	3	that	that	SCONJ
fsr-3252	11	4	counselors	counselor	NOUN
fsr-3252	11	5	encourage	encourage	VERB
fsr-3252	11	6	savings	saving	NOUN
fsr-3252	11	7	among	among	ADP
fsr-3252	11	8	men	man	NOUN
fsr-3252	11	9	and	and	CCONJ
fsr-3252	11	10	women	woman	NOUN
fsr-3252	11	11	in	in	ADP
fsr-3252	11	12	lowto	lowto	NOUN
fsr-3252	11	13	moderate	moderate	ADJ
fsr-3252	11	14	-	-	PUNCT
fsr-3252	11	15	income	income	NOUN
fsr-3252	11	16	households	household	NOUN
fsr-3252	11	17	as	as	ADP
fsr-3252	11	18	a	a	DET
fsr-3252	11	19	way	way	NOUN
fsr-3252	11	20	to	to	PART
fsr-3252	11	21	reduce	reduce	VERB
fsr-3252	11	22	financial	financial	ADJ
fsr-3252	11	23	risk	risk	NOUN
fsr-3252	11	24	and	and	CCONJ
fsr-3252	11	25	ensure	ensure	VERB
fsr-3252	11	26	financial	financial	ADJ
fsr-3252	11	27	security	security	NOUN
fsr-3252	11	28	.	.	PUNCT
fsr-3252	12	1	the	the	DET
fsr-3252	12	2	second	second	ADJ
fsr-3252	12	3	article	article	NOUN
fsr-3252	12	4	“	"	PUNCT
fsr-3252	12	5	spread	spread	VERB
fsr-3252	12	6	options	option	NOUN
fsr-3252	12	7	and	and	CCONJ
fsr-3252	12	8	risk	risk	NOUN
fsr-3252	12	9	management	management	NOUN
fsr-3252	12	10	:	:	PUNCT
fsr-3252	12	11	lognormal	lognormal	ADJ
fsr-3252	12	12	versus	versus	ADP
fsr-3252	12	13	normal	normal	ADJ
fsr-3252	12	14	distribution	distribution	NOUN
fsr-3252	12	15	approach	approach	NOUN
fsr-3252	12	16	”	"	PUNCT
fsr-3252	12	17	is	be	AUX
fsr-3252	12	18	coauthored	coauthore	VERB
fsr-3252	12	19	by	by	ADP
fsr-3252	12	20	robert	robert	PROPN
fsr-3252	12	21	brooks	brooks	PROPN
fsr-3252	12	22	at	at	ADP
fsr-3252	12	23	the	the	DET
fsr-3252	12	24	university	university	PROPN
fsr-3252	12	25	of	of	ADP
fsr-3252	12	26	alabama	alabama	PROPN
fsr-3252	12	27	and	and	CCONJ
fsr-3252	12	28	brandon	brandon	PROPN
fsr-3252	12	29	n.	n.	PROPN
fsr-3252	12	30	cline	cline	PROPN
fsr-3252	12	31	at	at	ADP
fsr-3252	12	32	mississippi	mississippi	PROPN
fsr-3252	12	33	state	state	PROPN
fsr-3252	12	34	university	university	PROPN
fsr-3252	12	35	.	.	PUNCT
fsr-3252	13	1	the	the	DET
fsr-3252	13	2	authors	author	NOUN
fsr-3252	13	3	provide	provide	VERB
fsr-3252	13	4	tools	tool	NOUN
fsr-3252	13	5	for	for	ADP
fsr-3252	13	6	managing	manage	VERB
fsr-3252	13	7	the	the	DET
fsr-3252	13	8	downside	downside	ADJ
fsr-3252	13	9	risk	risk	NOUN
fsr-3252	13	10	related	relate	VERB
fsr-3252	13	11	to	to	ADP
fsr-3252	13	12	the	the	DET
fsr-3252	13	13	spread	spread	NOUN
fsr-3252	13	14	between	between	ADP
fsr-3252	13	15	the	the	DET
fsr-3252	13	16	asset	asset	NOUN
fsr-3252	13	17	portfolio	portfolio	NOUN
fsr-3252	13	18	and	and	CCONJ
fsr-3252	13	19	corresponding	correspond	VERB
fsr-3252	13	20	liabilities	liability	NOUN
fsr-3252	13	21	for	for	ADP
fsr-3252	13	22	individual	individual	ADJ
fsr-3252	13	23	investors	investor	NOUN
fsr-3252	13	24	.	.	PUNCT
fsr-3252	14	1	they	they	PRON
fsr-3252	14	2	investigate	investigate	VERB
fsr-3252	14	3	the	the	DET
fsr-3252	14	4	spread	spread	ADJ
fsr-3252	14	5	option	option	NOUN
fsr-3252	14	6	valuation	valuation	NOUN
fsr-3252	14	7	model	model	NOUN
fsr-3252	14	8	where	where	SCONJ
fsr-3252	14	9	both	both	DET
fsr-3252	14	10	underlying	underlying	ADJ
fsr-3252	14	11	instruments	instrument	NOUN
fsr-3252	14	12	follow	follow	VERB
fsr-3252	14	13	geometric	geometric	ADJ
fsr-3252	14	14	brownian	brownian	ADJ
fsr-3252	14	15	motion	motion	NOUN
fsr-3252	14	16	,	,	PUNCT
fsr-3252	14	17	and	and	CCONJ
fsr-3252	14	18	one	one	NUM
fsr-3252	14	19	where	where	SCONJ
fsr-3252	14	20	both	both	DET
fsr-3252	14	21	underlying	underlying	ADJ
fsr-3252	14	22	instruments	instrument	NOUN
fsr-3252	14	23	are	be	AUX
fsr-3252	14	24	assumed	assume	VERB
fsr-3252	14	25	to	to	PART
fsr-3252	14	26	follow	follow	VERB
fsr-3252	14	27	arithmetic	arithmetic	ADJ
fsr-3252	14	28	brownian	brownian	PROPN
fsr-3252	14	29	motion	motion	NOUN
fsr-3252	14	30	.	.	PUNCT
fsr-3252	15	1	they	they	PRON
fsr-3252	15	2	show	show	VERB
fsr-3252	15	3	that	that	SCONJ
fsr-3252	15	4	the	the	DET
fsr-3252	15	5	risk	risk	NOUN
fsr-3252	15	6	parameters	parameter	NOUN
fsr-3252	15	7	are	be	AUX
fsr-3252	15	8	often	often	ADV
fsr-3252	15	9	materially	materially	ADV
fsr-3252	15	10	different	different	ADJ
fsr-3252	15	11	.	.	PUNCT
fsr-3252	16	1	for	for	ADP
fsr-3252	16	2	most	most	ADJ
fsr-3252	16	3	personal	personal	ADJ
fsr-3252	16	4	financial	financial	ADJ
fsr-3252	16	5	planning	planning	NOUN
fsr-3252	16	6	applications	application	NOUN
fsr-3252	16	7	,	,	PUNCT
fsr-3252	16	8	one	one	PRON
fsr-3252	16	9	can	can	AUX
fsr-3252	16	10	safely	safely	ADV
fsr-3252	16	11	use	use	VERB
fsr-3252	16	12	the	the	DET
fsr-3252	16	13	simpler	simple	ADJ
fsr-3252	16	14	arithmetic	arithmetic	ADJ
fsr-3252	16	15	brownian	brownian	ADJ
fsr-3252	16	16	motion	motion	NOUN
fsr-3252	16	17	model	model	NOUN
fsr-3252	16	18	.	.	PUNCT
fsr-3252	17	1	the	the	DET
fsr-3252	17	2	third	third	ADJ
fsr-3252	17	3	article	article	NOUN
fsr-3252	17	4	,	,	PUNCT
fsr-3252	17	5	”	"	PUNCT
fsr-3252	17	6	minority	minority	NOUN
fsr-3252	17	7	household	household	NOUN
fsr-3252	17	8	size	size	NOUN
fsr-3252	17	9	and	and	CCONJ
fsr-3252	17	10	the	the	DET
fsr-3252	17	11	life	life	NOUN
fsr-3252	17	12	insurance	insurance	NOUN
fsr-3252	17	13	purchase	purchase	NOUN
fsr-3252	17	14	decision	decision	NOUN
fsr-3252	17	15	“	"	PUNCT
fsr-3252	17	16	is	be	AUX
fsr-3252	17	17	coauthored	coauthore	VERB
fsr-3252	17	18	by	by	ADP
fsr-3252	17	19	michael	michael	PROPN
fsr-3252	17	20	a.	a.	PROPN
fsr-3252	17	21	guillemette	guillemette	PROPN
fsr-3252	17	22	at	at	ADP
fsr-3252	17	23	the	the	DET
fsr-3252	17	24	university	university	PROPN
fsr-3252	17	25	of	of	ADP
fsr-3252	17	26	missouri	missouri	PROPN
fsr-3252	17	27	,	,	PUNCT
fsr-3252	17	28	m.	m.	PROPN
fsr-3252	17	29	monica	monica	PROPN
fsr-3252	17	30	hussein	hussein	PROPN
fsr-3252	17	31	at	at	ADP
fsr-3252	17	32	california	california	PROPN
fsr-3252	17	33	state	state	PROPN
fsr-3252	17	34	university	university	PROPN
fsr-3252	17	35	,	,	PUNCT
fsr-3252	17	36	northridge	northridge	NOUN
fsr-3252	17	37	,	,	PUNCT
fsr-3252	17	38	and	and	CCONJ
fsr-3252	17	39	g.	g.	PROPN
fsr-3252	17	40	michael	michael	PROPN
fsr-3252	17	41	phillips	phillips	PROPN
fsr-3252	17	42	at	at	ADP
fsr-3252	17	43	california	california	PROPN
fsr-3252	17	44	state	state	PROPN
fsr-3252	17	45	university	university	PROPN
fsr-3252	17	46	,	,	PUNCT
fsr-3252	17	47	northridge	northridge	PROPN
fsr-3252	17	48	.	.	PUNCT
fsr-3252	18	1	the	the	DET
fsr-3252	18	2	authors	author	NOUN
fsr-3252	18	3	use	use	VERB
fsr-3252	18	4	the	the	DET
fsr-3252	18	5	1992	1992	NUM
fsr-3252	18	6	-	-	SYM
fsr-3252	18	7	2010	2010	NUM
fsr-3252	18	8	survey	survey	NOUN
fsr-3252	18	9	of	of	ADP
fsr-3252	18	10	consumer	consumer	NOUN
fsr-3252	18	11	finances	finance	NOUN
fsr-3252	18	12	to	to	PART
fsr-3252	18	13	analyze	analyze	VERB
fsr-3252	18	14	whether	whether	SCONJ
fsr-3252	18	15	the	the	DET
fsr-3252	18	16	likelihood	likelihood	NOUN
fsr-3252	18	17	of	of	ADP
fsr-3252	18	18	life	life	NOUN
fsr-3252	18	19	insurance	insurance	NOUN
fsr-3252	18	20	ownership	ownership	NOUN
fsr-3252	18	21	and	and	CCONJ
fsr-3252	18	22	the	the	DET
fsr-3252	18	23	face	face	NOUN
fsr-3252	18	24	value	value	NOUN
fsr-3252	18	25	amount	amount	NOUN
fsr-3252	18	26	of	of	ADP
fsr-3252	18	27	life	life	NOUN
fsr-3252	18	28	insurance	insurance	NOUN
fsr-3252	18	29	changes	change	NOUN
fsr-3252	18	30	for	for	ADP
fsr-3252	18	31	minorities	minority	NOUN
fsr-3252	18	32	as	as	ADP
fsr-3252	18	33	household	household	NOUN
fsr-3252	18	34	size	size	NOUN
fsr-3252	18	35	changes	change	NOUN
fsr-3252	18	36	.	.	PUNCT
fsr-3252	19	1	they	they	PRON
fsr-3252	19	2	find	find	VERB
fsr-3252	19	3	that	that	SCONJ
fsr-3252	19	4	the	the	DET
fsr-3252	19	5	likelihood	likelihood	NOUN
fsr-3252	19	6	of	of	ADP
fsr-3252	19	7	financial	financial	ADJ
fsr-3252	19	8	services	service	NOUN
fsr-3252	19	9	review	review	VERB
fsr-3252	19	10	24	24	NUM
fsr-3252	19	11	(	(	PUNCT
fsr-3252	19	12	2015	2015	NUM
fsr-3252	19	13	)	)	PUNCT
fsr-3252	19	14	v	v	NOUN
fsr-3252	19	15	–	–	PUNCT
fsr-3252	19	16	vi	vi	NOUN
fsr-3252	19	17	1057	1057	NUM
fsr-3252	19	18	-	-	SYM
fsr-3252	19	19	0810/15/$	0810/15/$	NUM
fsr-3252	19	20	–	–	PUNCT
fsr-3252	19	21	see	see	VERB
fsr-3252	19	22	front	front	ADJ
fsr-3252	19	23	matter	matter	NOUN
fsr-3252	19	24	©	©	PROPN
fsr-3252	19	25	2015	2015	NUM
fsr-3252	19	26	academy	academy	NOUN
fsr-3252	19	27	of	of	ADP
fsr-3252	19	28	financial	financial	ADJ
fsr-3252	19	29	services	service	NOUN
fsr-3252	19	30	.	.	PUNCT
fsr-3252	20	1	all	all	DET
fsr-3252	20	2	rights	right	NOUN
fsr-3252	20	3	reserved	reserve	VERB
fsr-3252	20	4	.	.	PUNCT
fsr-3252	21	1	life	life	NOUN
fsr-3252	21	2	insurance	insurance	NOUN
fsr-3252	21	3	ownership	ownership	NOUN
fsr-3252	21	4	declines	decline	VERB
fsr-3252	21	5	for	for	ADP
fsr-3252	21	6	black	black	ADJ
fsr-3252	21	7	and	and	CCONJ
fsr-3252	21	8	larger	large	ADJ
fsr-3252	21	9	hispanic	hispanic	ADJ
fsr-3252	21	10	families	family	NOUN
fsr-3252	21	11	as	as	ADP
fsr-3252	21	12	household	household	NOUN
fsr-3252	21	13	size	size	NOUN
fsr-3252	21	14	increases	increase	VERB
fsr-3252	21	15	when	when	SCONJ
fsr-3252	21	16	controlling	control	VERB
fsr-3252	21	17	for	for	ADP
fsr-3252	21	18	socioeconomic	socioeconomic	ADJ
fsr-3252	21	19	and	and	CCONJ
fsr-3252	21	20	demographic	demographic	ADJ
fsr-3252	21	21	variables	variable	NOUN
fsr-3252	21	22	.	.	PUNCT
fsr-3252	22	1	they	they	PRON
fsr-3252	22	2	also	also	ADV
fsr-3252	22	3	find	find	VERB
fsr-3252	22	4	a	a	DET
fsr-3252	22	5	significant	significant	ADJ
fsr-3252	22	6	decline	decline	NOUN
fsr-3252	22	7	in	in	ADP
fsr-3252	22	8	the	the	DET
fsr-3252	22	9	face	face	NOUN
fsr-3252	22	10	value	value	NOUN
fsr-3252	22	11	amount	amount	NOUN
fsr-3252	22	12	of	of	ADP
fsr-3252	22	13	term	term	NOUN
fsr-3252	22	14	life	life	NOUN
fsr-3252	22	15	insurance	insurance	NOUN
fsr-3252	22	16	purchased	purchase	VERB
fsr-3252	22	17	by	by	ADP
fsr-3252	22	18	black	black	ADJ
fsr-3252	22	19	families	family	NOUN
fsr-3252	22	20	as	as	ADP
fsr-3252	22	21	household	household	NOUN
fsr-3252	22	22	size	size	NOUN
fsr-3252	22	23	rises	rise	VERB
fsr-3252	22	24	.	.	PUNCT
fsr-3252	23	1	they	they	PRON
fsr-3252	23	2	recommend	recommend	VERB
fsr-3252	23	3	that	that	SCONJ
fsr-3252	23	4	financial	financial	ADJ
fsr-3252	23	5	planners	planner	NOUN
fsr-3252	23	6	recognize	recognize	VERB
fsr-3252	23	7	potential	potential	ADJ
fsr-3252	23	8	cultural	cultural	ADJ
fsr-3252	23	9	biases	bias	NOUN
fsr-3252	23	10	and	and	CCONJ
fsr-3252	23	11	the	the	DET
fsr-3252	23	12	possible	possible	ADJ
fsr-3252	23	13	role	role	NOUN
fsr-3252	23	14	of	of	ADP
fsr-3252	23	15	household	household	NOUN
fsr-3252	23	16	members	member	NOUN
fsr-3252	23	17	when	when	SCONJ
fsr-3252	23	18	meeting	meet	VERB
fsr-3252	23	19	with	with	ADP
fsr-3252	23	20	their	their	PRON
fsr-3252	23	21	clients	client	NOUN
fsr-3252	23	22	to	to	PART
fsr-3252	23	23	discuss	discuss	VERB
fsr-3252	23	24	life	life	NOUN
fsr-3252	23	25	insurance	insurance	NOUN
fsr-3252	23	26	coverage	coverage	NOUN
fsr-3252	23	27	.	.	PUNCT
fsr-3252	24	1	the	the	DET
fsr-3252	24	2	fourth	fourth	ADJ
fsr-3252	24	3	article	article	NOUN
fsr-3252	24	4	,	,	PUNCT
fsr-3252	24	5	“	"	PUNCT
fsr-3252	24	6	home	home	NOUN
fsr-3252	24	7	ownership	ownership	NOUN
fsr-3252	24	8	decision	decision	NOUN
fsr-3252	24	9	in	in	ADP
fsr-3252	24	10	personal	personal	ADJ
fsr-3252	24	11	finance	finance	NOUN
fsr-3252	24	12	:	:	PUNCT
fsr-3252	24	13	some	some	DET
fsr-3252	24	14	empirical	empirical	ADJ
fsr-3252	24	15	evidence	evidence	NOUN
fsr-3252	24	16	”	"	PUNCT
fsr-3252	24	17	is	be	AUX
fsr-3252	24	18	coauthored	coauthore	VERB
fsr-3252	24	19	by	by	ADP
fsr-3252	24	20	c.	c.	PROPN
fsr-3252	24	21	sherman	sherman	PROPN
fsr-3252	24	22	cheung	cheung	PROPN
fsr-3252	24	23	and	and	CCONJ
fsr-3252	24	24	peter	peter	PROPN
fsr-3252	24	25	miu	miu	PROPN
fsr-3252	24	26	both	both	PRON
fsr-3252	24	27	at	at	ADP
fsr-3252	24	28	mcmaster	mcmaster	PROPN
fsr-3252	24	29	university	university	PROPN
fsr-3252	24	30	.	.	PUNCT
fsr-3252	25	1	in	in	ADP
fsr-3252	25	2	this	this	DET
fsr-3252	25	3	paper	paper	NOUN
fsr-3252	25	4	,	,	PUNCT
fsr-3252	25	5	the	the	DET
fsr-3252	25	6	authors	author	NOUN
fsr-3252	25	7	examine	examine	VERB
fsr-3252	25	8	the	the	DET
fsr-3252	25	9	home	home	NOUN
fsr-3252	25	10	ownership	ownership	NOUN
fsr-3252	25	11	question	question	NOUN
fsr-3252	25	12	for	for	ADP
fsr-3252	25	13	households	household	NOUN
fsr-3252	25	14	with	with	ADP
fsr-3252	25	15	differing	differ	VERB
fsr-3252	25	16	risk	risk	NOUN
fsr-3252	25	17	tolerance	tolerance	NOUN
fsr-3252	25	18	and	and	CCONJ
fsr-3252	25	19	demonstrate	demonstrate	VERB
fsr-3252	25	20	the	the	DET
fsr-3252	25	21	interaction	interaction	NOUN
fsr-3252	25	22	effect	effect	NOUN
fsr-3252	25	23	between	between	ADP
fsr-3252	25	24	financial	financial	ADJ
fsr-3252	25	25	assets	asset	NOUN
fsr-3252	25	26	and	and	CCONJ
fsr-3252	25	27	home	home	NOUN
fsr-3252	25	28	ownership	ownership	NOUN
fsr-3252	25	29	.	.	PUNCT
fsr-3252	26	1	they	they	PRON
fsr-3252	26	2	also	also	ADV
fsr-3252	26	3	examine	examine	VERB
fsr-3252	26	4	whether	whether	SCONJ
fsr-3252	26	5	the	the	DET
fsr-3252	26	6	economic	economic	ADJ
fsr-3252	26	7	case	case	NOUN
fsr-3252	26	8	for	for	ADP
fsr-3252	26	9	home	home	NOUN
fsr-3252	26	10	ownership	ownership	NOUN
fsr-3252	26	11	varies	vary	VERB
fsr-3252	26	12	across	across	ADP
fsr-3252	26	13	u.s	u.s	PROPN
fsr-3252	26	14	.	.	PROPN
fsr-3252	26	15	regions	region	NOUN
fsr-3252	26	16	.	.	PUNCT
fsr-3252	27	1	for	for	ADP
fsr-3252	27	2	households	household	NOUN
fsr-3252	27	3	that	that	PRON
fsr-3252	27	4	decide	decide	VERB
fsr-3252	27	5	to	to	PART
fsr-3252	27	6	rent	rent	VERB
fsr-3252	27	7	instead	instead	ADV
fsr-3252	27	8	of	of	ADP
fsr-3252	27	9	own	own	ADJ
fsr-3252	27	10	,	,	PUNCT
fsr-3252	27	11	the	the	DET
fsr-3252	27	12	authors	author	NOUN
fsr-3252	27	13	recommend	recommend	VERB
fsr-3252	27	14	hedging	hedge	VERB
fsr-3252	27	15	housing	housing	NOUN
fsr-3252	27	16	consumption	consumption	NOUN
fsr-3252	27	17	risk	risk	NOUN
fsr-3252	27	18	with	with	ADP
fsr-3252	27	19	investments	investment	NOUN
fsr-3252	27	20	in	in	ADP
fsr-3252	27	21	real	real	ADJ
fsr-3252	27	22	estate	estate	NOUN
fsr-3252	27	23	investment	investment	NOUN
fsr-3252	27	24	trusts	trust	NOUN
fsr-3252	27	25	.	.	PUNCT
fsr-3252	28	1	the	the	DET
fsr-3252	28	2	final	final	ADJ
fsr-3252	28	3	article	article	NOUN
fsr-3252	28	4	,	,	PUNCT
fsr-3252	28	5	“	"	PUNCT
fsr-3252	28	6	do	do	VERB
fsr-3252	28	7	financial	financial	ADJ
fsr-3252	28	8	networks	network	NOUN
fsr-3252	28	9	matter	matter	VERB
fsr-3252	28	10	in	in	ADP
fsr-3252	28	11	retirement	retirement	NOUN
fsr-3252	28	12	investment	investment	NOUN
fsr-3252	28	13	decisions	decision	NOUN
fsr-3252	28	14	?	?	PUNCT
fsr-3252	29	1	evidence	evidence	NOUN
fsr-3252	29	2	from	from	ADP
fsr-3252	29	3	generation	generation	NOUN
fsr-3252	29	4	yers	yer	NOUN
fsr-3252	29	5	”	"	PUNCT
fsr-3252	29	6	is	be	AUX
fsr-3252	29	7	coauthored	coauthore	VERB
fsr-3252	29	8	by	by	ADP
fsr-3252	29	9	yunhyung	yunhyung	PROPN
fsr-3252	29	10	chung	chung	PROPN
fsr-3252	29	11	and	and	CCONJ
fsr-3252	29	12	youngkyun	youngkyun	NOUN
fsr-3252	29	13	park	park	NOUN
fsr-3252	29	14	both	both	PRON
fsr-3252	29	15	at	at	ADP
fsr-3252	29	16	the	the	DET
fsr-3252	29	17	university	university	PROPN
fsr-3252	29	18	of	of	ADP
fsr-3252	29	19	idaho	idaho	PROPN
fsr-3252	29	20	.	.	PUNCT
fsr-3252	30	1	the	the	DET
fsr-3252	30	2	authors	author	NOUN
fsr-3252	30	3	use	use	VERB
fsr-3252	30	4	experimental	experimental	ADJ
fsr-3252	30	5	survey	survey	NOUN
fsr-3252	30	6	data	datum	NOUN
fsr-3252	30	7	collected	collect	VERB
fsr-3252	30	8	from	from	ADP
fsr-3252	30	9	a	a	DET
fsr-3252	30	10	sample	sample	NOUN
fsr-3252	30	11	of	of	ADP
fsr-3252	30	12	generation	generation	NOUN
fsr-3252	30	13	yers	yer	NOUN
fsr-3252	30	14	to	to	PART
fsr-3252	30	15	examine	examine	VERB
fsr-3252	30	16	the	the	DET
fsr-3252	30	17	joint	joint	ADJ
fsr-3252	30	18	influence	influence	NOUN
fsr-3252	30	19	of	of	ADP
fsr-3252	30	20	financial	financial	ADJ
fsr-3252	30	21	literacy	literacy	NOUN
fsr-3252	30	22	and	and	CCONJ
fsr-3252	30	23	financial	financial	ADJ
fsr-3252	30	24	networks	network	NOUN
fsr-3252	30	25	on	on	ADP
fsr-3252	30	26	individual	individual	ADJ
fsr-3252	30	27	retirement	retirement	NOUN
fsr-3252	30	28	investment	investment	NOUN
fsr-3252	30	29	decisions	decision	NOUN
fsr-3252	30	30	.	.	PUNCT
fsr-3252	31	1	they	they	PRON
fsr-3252	31	2	find	find	VERB
fsr-3252	31	3	that	that	SCONJ
fsr-3252	31	4	financial	financial	ADJ
fsr-3252	31	5	literacy	literacy	NOUN
fsr-3252	31	6	and	and	CCONJ
fsr-3252	31	7	financial	financial	ADJ
fsr-3252	31	8	network	network	NOUN
fsr-3252	31	9	intensity	intensity	NOUN
fsr-3252	31	10	are	be	AUX
fsr-3252	31	11	positively	positively	ADV
fsr-3252	31	12	related	relate	VERB
fsr-3252	31	13	to	to	ADP
fsr-3252	31	14	stock	stock	NOUN
fsr-3252	31	15	allocation	allocation	NOUN
fsr-3252	31	16	.	.	PUNCT
fsr-3252	32	1	they	they	PRON
fsr-3252	32	2	also	also	ADV
fsr-3252	32	3	show	show	VERB
fsr-3252	32	4	that	that	SCONJ
fsr-3252	32	5	the	the	DET
fsr-3252	32	6	positive	positive	ADJ
fsr-3252	32	7	relationship	relationship	NOUN
fsr-3252	32	8	between	between	ADP
fsr-3252	32	9	financial	financial	ADJ
fsr-3252	32	10	literacy	literacy	NOUN
fsr-3252	32	11	and	and	CCONJ
fsr-3252	32	12	stock	stock	NOUN
fsr-3252	32	13	allocation	allocation	NOUN
fsr-3252	32	14	is	be	AUX
fsr-3252	32	15	significant	significant	ADJ
fsr-3252	32	16	only	only	ADV
fsr-3252	32	17	among	among	ADP
fsr-3252	32	18	those	those	PRON
fsr-3252	32	19	having	have	VERB
fsr-3252	32	20	high	high	ADJ
fsr-3252	32	21	financial	financial	ADJ
fsr-3252	32	22	network	network	NOUN
fsr-3252	32	23	intensity	intensity	NOUN
fsr-3252	32	24	.	.	PUNCT
fsr-3252	33	1	i	i	PRON
fsr-3252	33	2	would	would	AUX
fsr-3252	33	3	like	like	VERB
fsr-3252	33	4	to	to	PART
fsr-3252	33	5	send	send	VERB
fsr-3252	33	6	a	a	DET
fsr-3252	33	7	special	special	ADJ
fsr-3252	33	8	thank	thank	NOUN
fsr-3252	33	9	you	you	PRON
fsr-3252	33	10	to	to	ADP
fsr-3252	33	11	the	the	DET
fsr-3252	33	12	many	many	ADJ
fsr-3252	33	13	reviewers	reviewer	NOUN
fsr-3252	33	14	that	that	PRON
fsr-3252	33	15	have	have	AUX
fsr-3252	33	16	significantly	significantly	ADV
fsr-3252	33	17	contributed	contribute	VERB
fsr-3252	33	18	to	to	ADP
fsr-3252	33	19	the	the	DET
fsr-3252	33	20	quality	quality	NOUN
fsr-3252	33	21	of	of	ADP
fsr-3252	33	22	our	our	PRON
fsr-3252	33	23	journal	journal	NOUN
fsr-3252	33	24	by	by	ADP
fsr-3252	33	25	providing	provide	VERB
fsr-3252	33	26	timely	timely	ADJ
fsr-3252	33	27	and	and	CCONJ
fsr-3252	33	28	thorough	thorough	ADJ
fsr-3252	33	29	reviews	review	NOUN
fsr-3252	33	30	of	of	ADP
fsr-3252	33	31	the	the	DET
fsr-3252	33	32	submissions	submission	NOUN
fsr-3252	33	33	to	to	ADP
fsr-3252	33	34	our	our	PRON
fsr-3252	33	35	journal	journal	NOUN
fsr-3252	33	36	.	.	PUNCT
fsr-3252	34	1	thanks	thank	NOUN
fsr-3252	34	2	to	to	ADP
fsr-3252	34	3	those	those	PRON
fsr-3252	34	4	who	who	PRON
fsr-3252	34	5	make	make	VERB
fsr-3252	34	6	the	the	DET
fsr-3252	34	7	journal	journal	NOUN
fsr-3252	34	8	possible	possible	ADJ
fsr-3252	34	9	,	,	PUNCT
fsr-3252	34	10	especially	especially	ADV
fsr-3252	34	11	the	the	DET
fsr-3252	34	12	referees	referee	NOUN
fsr-3252	34	13	and	and	CCONJ
fsr-3252	34	14	contributing	contribute	VERB
fsr-3252	34	15	authors	author	NOUN
fsr-3252	34	16	.	.	PUNCT
fsr-3252	35	1	please	please	INTJ
fsr-3252	35	2	consider	consider	VERB
fsr-3252	35	3	submission	submission	NOUN
fsr-3252	35	4	to	to	ADP
fsr-3252	35	5	the	the	DET
fsr-3252	35	6	financial	financial	ADJ
fsr-3252	35	7	services	service	NOUN
fsr-3252	35	8	review	review	NOUN
fsr-3252	35	9	and	and	CCONJ
fsr-3252	35	10	rely	rely	VERB
fsr-3252	35	11	on	on	ADP
fsr-3252	35	12	the	the	DET
fsr-3252	35	13	style	style	NOUN
fsr-3252	35	14	information	information	NOUN
fsr-3252	35	15	provided	provide	VERB
fsr-3252	35	16	to	to	PART
fsr-3252	35	17	ease	ease	VERB
fsr-3252	35	18	readability	readability	NOUN
fsr-3252	35	19	and	and	CCONJ
fsr-3252	35	20	streamline	streamline	VERB
fsr-3252	35	21	the	the	DET
fsr-3252	35	22	review	review	NOUN
fsr-3252	35	23	process	process	NOUN
fsr-3252	35	24	.	.	PUNCT
fsr-3252	36	1	the	the	DET
fsr-3252	36	2	journal	journal	NOUN
fsr-3252	36	3	welcomes	welcome	VERB
fsr-3252	36	4	articles	article	NOUN
fsr-3252	36	5	over	over	ADP
fsr-3252	36	6	the	the	DET
fsr-3252	36	7	range	range	NOUN
fsr-3252	36	8	of	of	ADP
fsr-3252	36	9	areas	area	NOUN
fsr-3252	36	10	that	that	PRON
fsr-3252	36	11	comprise	comprise	VERB
fsr-3252	36	12	personal	personal	ADJ
fsr-3252	36	13	financial	financial	ADJ
fsr-3252	36	14	planning	planning	NOUN
fsr-3252	36	15	.	.	PUNCT
fsr-3252	37	1	while	while	SCONJ
fsr-3252	37	2	fsr	fsr	PROPN
fsr-3252	37	3	articles	article	NOUN
fsr-3252	37	4	are	be	AUX
fsr-3252	37	5	certainly	certainly	ADV
fsr-3252	37	6	diverse	diverse	ADJ
fsr-3252	37	7	in	in	ADP
fsr-3252	37	8	terms	term	NOUN
fsr-3252	37	9	of	of	ADP
fsr-3252	37	10	topic	topic	NOUN
fsr-3252	37	11	,	,	PUNCT
fsr-3252	37	12	data	datum	NOUN
fsr-3252	37	13	,	,	PUNCT
fsr-3252	37	14	and	and	CCONJ
fsr-3252	37	15	method	method	NOUN
fsr-3252	37	16	,	,	PUNCT
fsr-3252	37	17	they	they	PRON
fsr-3252	37	18	are	be	AUX
fsr-3252	37	19	focused	focus	VERB
fsr-3252	37	20	in	in	ADP
fsr-3252	37	21	terms	term	NOUN
fsr-3252	37	22	of	of	ADP
fsr-3252	37	23	motivation	motivation	NOUN
fsr-3252	37	24	.	.	PUNCT
fsr-3252	38	1	fsr	fsr	PROPN
fsr-3252	38	2	exists	exist	VERB
fsr-3252	38	3	to	to	PART
fsr-3252	38	4	produce	produce	VERB
fsr-3252	38	5	research	research	NOUN
fsr-3252	38	6	that	that	PRON
fsr-3252	38	7	addresses	address	VERB
fsr-3252	38	8	issues	issue	NOUN
fsr-3252	38	9	that	that	PRON
fsr-3252	38	10	matter	matter	VERB
fsr-3252	38	11	to	to	ADP
fsr-3252	38	12	individuals	individual	NOUN
fsr-3252	38	13	.	.	PUNCT
fsr-3252	39	1	i	i	PRON
fsr-3252	39	2	remain	remain	VERB
fsr-3252	39	3	committed	committed	ADJ
fsr-3252	39	4	to	to	ADP
fsr-3252	39	5	the	the	DET
fsr-3252	39	6	goal	goal	NOUN
fsr-3252	39	7	of	of	ADP
fsr-3252	39	8	making	make	VERB
fsr-3252	39	9	financial	financial	ADJ
fsr-3252	39	10	services	service	NOUN
fsr-3252	39	11	review	review	VERB
fsr-3252	39	12	the	the	DET
fsr-3252	39	13	best	good	ADJ
fsr-3252	39	14	academic	academic	ADJ
fsr-3252	39	15	journal	journal	NOUN
fsr-3252	39	16	in	in	ADP
fsr-3252	39	17	individual	individual	ADJ
fsr-3252	39	18	financial	financial	ADJ
fsr-3252	39	19	management	management	NOUN
fsr-3252	39	20	and	and	CCONJ
fsr-3252	39	21	personal	personal	ADJ
fsr-3252	39	22	financial	financial	ADJ
fsr-3252	39	23	planning	planning	NOUN
fsr-3252	39	24	.	.	PUNCT
fsr-3252	40	1	best	good	ADJ
fsr-3252	40	2	regards	regard	VERB
fsr-3252	40	3	,	,	PUNCT
fsr-3252	40	4	stuart	stuart	PROPN
fsr-3252	40	5	michelson	michelson	PROPN
fsr-3252	40	6	editor	editor	PROPN
fsr-3252	40	7	financial	financial	PROPN
fsr-3252	40	8	services	services	PROPN
fsr-3252	40	9	review	review	VERB
fsr-3252	40	10	vi	vi	PROPN
fsr-3252	40	11	editorial	editorial	NOUN
fsr-3252	40	12	/	/	SYM
fsr-3252	40	13	financial	financial	ADJ
fsr-3252	40	14	services	service	NOUN
fsr-3252	40	15	review	review	VERB
fsr-3252	40	16	24	24	NUM
fsr-3252	40	17	(	(	PUNCT
fsr-3252	40	18	2015	2015	NUM
fsr-3252	40	19	)	)	PUNCT
fsr-3252	40	20	v	v	NOUN
fsr-3252	40	21	–	–	PUNCT
fsr-3252	40	22	vi	vi	NOUN