id	sid	tid	token	lemma	pos
fsr-3263	1	1	minority	minority	NOUN
fsr-3263	1	2	household	household	NOUN
fsr-3263	1	3	size	size	NOUN
fsr-3263	1	4	and	and	CCONJ
fsr-3263	1	5	the	the	DET
fsr-3263	1	6	life	life	NOUN
fsr-3263	1	7	insurance	insurance	NOUN
fsr-3263	1	8	purchase	purchase	NOUN
fsr-3263	1	9	decision	decision	NOUN
fsr-3263	1	10	michael	michael	PROPN
fsr-3263	1	11	a.	a.	PROPN
fsr-3263	1	12	guillemette	guillemette	PROPN
fsr-3263	1	13	,	,	PUNCT
fsr-3263	1	14	ph.d	ph.d	PROPN
fsr-3263	1	15	.	.	PROPN
fsr-3263	1	16	,	,	PUNCT
fsr-3263	1	17	cfp	cfp	PROPN
fsr-3263	1	18	�	�	PROPN
fsr-3263	1	19	a	a	PRON
fsr-3263	1	20	,	,	PUNCT
fsr-3263	1	21	*	*	NOUN
fsr-3263	1	22	,	,	PUNCT
fsr-3263	1	23	m.	m.	NOUN
fsr-3263	1	24	monica	monica	PROPN
fsr-3263	1	25	hussein	hussein	PROPN
fsr-3263	1	26	,	,	PUNCT
fsr-3263	1	27	ph.d	ph.d	PROPN
fsr-3263	1	28	.	.	PROPN
fsr-3263	1	29	,b	,b	PUNCT
fsr-3263	2	1	g.	g.	PROPN
fsr-3263	2	2	michael	michael	PROPN
fsr-3263	2	3	phillips	phillips	PROPN
fsr-3263	2	4	,	,	PUNCT
fsr-3263	2	5	ph.d.b	ph.d.b	PROPN
fsr-3263	2	6	,	,	PUNCT
fsr-3263	2	7	terrance	terrance	PROPN
fsr-3263	2	8	k.	k.	PROPN
fsr-3263	2	9	martin	martin	PROPN
fsr-3263	2	10	,	,	PUNCT
fsr-3263	2	11	jr	jr	PROPN
fsr-3263	2	12	.	.	PROPN
fsr-3263	2	13	,	,	PUNCT
fsr-3263	2	14	ph.d.c	ph.d.c	PROPN
fsr-3263	2	15	adepartment	adepartment	NOUN
fsr-3263	2	16	of	of	ADP
fsr-3263	2	17	personal	personal	ADJ
fsr-3263	2	18	financial	financial	ADJ
fsr-3263	2	19	planning	planning	NOUN
fsr-3263	2	20	,	,	PUNCT
fsr-3263	2	21	stanley	stanley	PROPN
fsr-3263	2	22	hall	hall	PROPN
fsr-3263	2	23	239	239	NUM
fsr-3263	2	24	,	,	PUNCT
fsr-3263	2	25	university	university	NOUN
fsr-3263	2	26	of	of	ADP
fsr-3263	2	27	missouri	missouri	PROPN
fsr-3263	2	28	,	,	PUNCT
fsr-3263	2	29	columbia	columbia	PROPN
fsr-3263	2	30	,	,	PUNCT
fsr-3263	2	31	mo	mo	PROPN
fsr-3263	2	32	65211	65211	NUM
fsr-3263	2	33	,	,	PUNCT
fsr-3263	2	34	usa	usa	PROPN
fsr-3263	2	35	bcenter	bcenter	NOUN
fsr-3263	2	36	for	for	ADP
fsr-3263	2	37	financial	financial	ADJ
fsr-3263	2	38	planning	planning	NOUN
fsr-3263	2	39	and	and	CCONJ
fsr-3263	2	40	investment	investment	NOUN
fsr-3263	2	41	and	and	CCONJ
fsr-3263	2	42	department	department	NOUN
fsr-3263	2	43	of	of	ADP
fsr-3263	2	44	finance	finance	NOUN
fsr-3263	2	45	,	,	PUNCT
fsr-3263	2	46	financial	financial	ADJ
fsr-3263	2	47	planning	planning	NOUN
fsr-3263	2	48	,	,	PUNCT
fsr-3263	2	49	and	and	CCONJ
fsr-3263	2	50	insurance	insurance	NOUN
fsr-3263	2	51	at	at	ADP
fsr-3263	2	52	csu	csu	PROPN
fsr-3263	2	53	northridge	northridge	PROPN
fsr-3263	2	54	,	,	PUNCT
fsr-3263	2	55	18111	18111	NUM
fsr-3263	2	56	nordhoff	nordhoff	PROPN
fsr-3263	2	57	street	street	PROPN
fsr-3263	2	58	,	,	PUNCT
fsr-3263	2	59	northridge	northridge	PROPN
fsr-3263	2	60	,	,	PUNCT
fsr-3263	2	61	ca	ca	NOUN
fsr-3263	2	62	91330	91330	NUM
fsr-3263	2	63	-	-	SYM
fsr-3263	2	64	8245	8245	NUM
fsr-3263	2	65	,	,	PUNCT
fsr-3263	2	66	usa	usa	PROPN
fsr-3263	2	67	cdepartment	cdepartment	PROPN
fsr-3263	2	68	of	of	ADP
fsr-3263	2	69	economics	economic	NOUN
fsr-3263	2	70	and	and	CCONJ
fsr-3263	2	71	finance	finance	NOUN
fsr-3263	2	72	at	at	ADP
fsr-3263	2	73	the	the	DET
fsr-3263	2	74	university	university	PROPN
fsr-3263	2	75	of	of	ADP
fsr-3263	2	76	texas	texas	PROPN
fsr-3263	2	77	-	-	PUNCT
fsr-3263	2	78	pan	pan	PROPN
fsr-3263	2	79	american	american	PROPN
fsr-3263	2	80	,	,	PUNCT
fsr-3263	2	81	1201	1201	NUM
fsr-3263	2	82	w.	w.	PROPN
fsr-3263	2	83	university	university	PROPN
fsr-3263	2	84	drive	drive	NOUN
fsr-3263	2	85	,	,	PUNCT
fsr-3263	2	86	edinburg	edinburg	PROPN
fsr-3263	2	87	,	,	PUNCT
fsr-3263	2	88	tx	tx	PROPN
fsr-3263	2	89	78539	78539	NUM
fsr-3263	2	90	,	,	PUNCT
fsr-3263	2	91	usa	usa	PROPN
fsr-3263	2	92	abstract	abstract	NOUN
fsr-3263	2	93	this	this	DET
fsr-3263	2	94	study	study	NOUN
fsr-3263	2	95	uses	use	VERB
fsr-3263	2	96	the	the	DET
fsr-3263	2	97	1992–2010	1992–2010	NUM
fsr-3263	2	98	survey	survey	NOUN
fsr-3263	2	99	of	of	ADP
fsr-3263	2	100	consumer	consumer	NOUN
fsr-3263	2	101	finances	finance	NOUN
fsr-3263	2	102	to	to	PART
fsr-3263	2	103	analyze	analyze	VERB
fsr-3263	2	104	whether	whether	SCONJ
fsr-3263	2	105	the	the	DET
fsr-3263	2	106	likelihood	likelihood	NOUN
fsr-3263	2	107	of	of	ADP
fsr-3263	2	108	life	life	NOUN
fsr-3263	2	109	insurance	insurance	NOUN
fsr-3263	2	110	ownership	ownership	NOUN
fsr-3263	2	111	and	and	CCONJ
fsr-3263	2	112	the	the	DET
fsr-3263	2	113	face	face	NOUN
fsr-3263	2	114	value	value	NOUN
fsr-3263	2	115	amount	amount	NOUN
fsr-3263	2	116	of	of	ADP
fsr-3263	2	117	life	life	NOUN
fsr-3263	2	118	insurance	insurance	NOUN
fsr-3263	2	119	changes	change	NOUN
fsr-3263	2	120	for	for	ADP
fsr-3263	2	121	minorities	minority	NOUN
fsr-3263	2	122	as	as	ADP
fsr-3263	2	123	household	household	NOUN
fsr-3263	2	124	size	size	NOUN
fsr-3263	2	125	changes	change	NOUN
fsr-3263	2	126	.	.	PUNCT
fsr-3263	3	1	we	we	PRON
fsr-3263	3	2	find	find	VERB
fsr-3263	3	3	that	that	SCONJ
fsr-3263	3	4	the	the	DET
fsr-3263	3	5	likelihood	likelihood	NOUN
fsr-3263	3	6	of	of	ADP
fsr-3263	3	7	life	life	NOUN
fsr-3263	3	8	insurance	insurance	NOUN
fsr-3263	3	9	ownership	ownership	NOUN
fsr-3263	3	10	declines	decline	VERB
fsr-3263	3	11	for	for	ADP
fsr-3263	3	12	black	black	ADJ
fsr-3263	3	13	and	and	CCONJ
fsr-3263	3	14	larger	large	ADJ
fsr-3263	3	15	hispanic	hispanic	ADJ
fsr-3263	3	16	families	family	NOUN
fsr-3263	3	17	as	as	ADP
fsr-3263	3	18	household	household	NOUN
fsr-3263	3	19	size	size	NOUN
fsr-3263	3	20	increases	increase	VERB
fsr-3263	3	21	when	when	SCONJ
fsr-3263	3	22	controlling	control	VERB
fsr-3263	3	23	for	for	ADP
fsr-3263	3	24	a	a	DET
fsr-3263	3	25	variety	variety	NOUN
fsr-3263	3	26	of	of	ADP
fsr-3263	3	27	socioeconomic	socioeconomic	ADJ
fsr-3263	3	28	and	and	CCONJ
fsr-3263	3	29	demographic	demographic	ADJ
fsr-3263	3	30	variables	variable	NOUN
fsr-3263	3	31	.	.	PUNCT
fsr-3263	4	1	there	there	PRON
fsr-3263	4	2	is	be	VERB
fsr-3263	4	3	also	also	ADV
fsr-3263	4	4	a	a	DET
fsr-3263	4	5	significant	significant	ADJ
fsr-3263	4	6	decline	decline	NOUN
fsr-3263	4	7	in	in	ADP
fsr-3263	4	8	the	the	DET
fsr-3263	4	9	face	face	NOUN
fsr-3263	4	10	value	value	NOUN
fsr-3263	4	11	amount	amount	NOUN
fsr-3263	4	12	of	of	ADP
fsr-3263	4	13	term	term	NOUN
fsr-3263	4	14	life	life	NOUN
fsr-3263	4	15	insurance	insurance	NOUN
fsr-3263	4	16	purchased	purchase	VERB
fsr-3263	4	17	by	by	ADP
fsr-3263	4	18	black	black	ADJ
fsr-3263	4	19	families	family	NOUN
fsr-3263	4	20	as	as	ADP
fsr-3263	4	21	household	household	NOUN
fsr-3263	4	22	size	size	NOUN
fsr-3263	4	23	rises	rise	VERB
fsr-3263	4	24	.	.	PUNCT
fsr-3263	5	1	we	we	PRON
fsr-3263	5	2	provide	provide	VERB
fsr-3263	5	3	possible	possible	ADJ
fsr-3263	5	4	explanations	explanation	NOUN
fsr-3263	5	5	for	for	ADP
fsr-3263	5	6	these	these	DET
fsr-3263	5	7	effects	effect	NOUN
fsr-3263	5	8	and	and	CCONJ
fsr-3263	5	9	also	also	ADV
fsr-3263	5	10	discuss	discuss	VERB
fsr-3263	5	11	implications	implication	NOUN
fsr-3263	5	12	for	for	ADP
fsr-3263	5	13	financial	financial	ADJ
fsr-3263	5	14	planners	planner	NOUN
fsr-3263	5	15	.	.	PUNCT
fsr-3263	6	1	©	©	PROPN
fsr-3263	6	2	2015	2015	NUM
fsr-3263	6	3	academy	academy	NOUN
fsr-3263	6	4	of	of	ADP
fsr-3263	6	5	financial	financial	ADJ
fsr-3263	6	6	services	service	NOUN
fsr-3263	6	7	.	.	PUNCT
fsr-3263	7	1	all	all	DET
fsr-3263	7	2	rights	right	NOUN
fsr-3263	7	3	reserved	reserve	VERB
fsr-3263	7	4	.	.	PUNCT
fsr-3263	8	1	keywords	keyword	NOUN
fsr-3263	8	2	:	:	PUNCT
fsr-3263	8	3	life	life	NOUN
fsr-3263	8	4	insurance	insurance	NOUN
fsr-3263	8	5	;	;	PUNCT
fsr-3263	8	6	household	household	NOUN
fsr-3263	8	7	size	size	NOUN
fsr-3263	8	8	;	;	PUNCT
fsr-3263	8	9	term	term	NOUN
fsr-3263	8	10	life	life	NOUN
fsr-3263	8	11	insurance	insurance	NOUN
fsr-3263	8	12	;	;	PUNCT
fsr-3263	8	13	cash	cash	NOUN
fsr-3263	8	14	value	value	NOUN
fsr-3263	8	15	life	life	NOUN
fsr-3263	8	16	insurance	insurance	NOUN
fsr-3263	8	17	;	;	PUNCT
fsr-3263	8	18	race	race	NOUN
fsr-3263	8	19	,	,	PUNCT
fsr-3263	8	20	minority	minority	NOUN
fsr-3263	8	21	1	1	NUM
fsr-3263	8	22	.	.	PUNCT
fsr-3263	8	23	introduction	introduction	NOUN
fsr-3263	8	24	a	a	DET
fsr-3263	8	25	properly	properly	ADV
fsr-3263	8	26	structured	structure	VERB
fsr-3263	8	27	life	life	NOUN
fsr-3263	8	28	insurance	insurance	NOUN
fsr-3263	8	29	plan	plan	NOUN
fsr-3263	8	30	can	can	AUX
fsr-3263	8	31	be	be	AUX
fsr-3263	8	32	a	a	DET
fsr-3263	8	33	powerful	powerful	ADJ
fsr-3263	8	34	part	part	NOUN
fsr-3263	8	35	of	of	ADP
fsr-3263	8	36	a	a	DET
fsr-3263	8	37	family	family	NOUN
fsr-3263	8	38	’s	’s	PART
fsr-3263	8	39	financial	financial	ADJ
fsr-3263	8	40	plan	plan	NOUN
fsr-3263	8	41	.	.	PUNCT
fsr-3263	9	1	it	it	PRON
fsr-3263	9	2	is	be	AUX
fsr-3263	9	3	especially	especially	ADV
fsr-3263	9	4	useful	useful	ADJ
fsr-3263	9	5	in	in	ADP
fsr-3263	9	6	managing	manage	VERB
fsr-3263	9	7	tax	tax	NOUN
fsr-3263	9	8	liabilities	liability	NOUN
fsr-3263	9	9	,	,	PUNCT
fsr-3263	9	10	unexpected	unexpected	ADJ
fsr-3263	9	11	expenses	expense	NOUN
fsr-3263	9	12	,	,	PUNCT
fsr-3263	9	13	lost	lose	VERB
fsr-3263	9	14	income	income	NOUN
fsr-3263	9	15	,	,	PUNCT
fsr-3263	9	16	and	and	CCONJ
fsr-3263	9	17	household	household	NOUN
fsr-3263	9	18	services	service	NOUN
fsr-3263	9	19	after	after	ADP
fsr-3263	9	20	the	the	DET
fsr-3263	9	21	death	death	NOUN
fsr-3263	9	22	of	of	ADP
fsr-3263	9	23	a	a	DET
fsr-3263	9	24	family	family	NOUN
fsr-3263	9	25	member	member	NOUN
fsr-3263	9	26	.	.	PUNCT
fsr-3263	10	1	however	however	ADV
fsr-3263	10	2	,	,	PUNCT
fsr-3263	10	3	this	this	DET
fsr-3263	10	4	basic	basic	ADJ
fsr-3263	10	5	observation	observation	NOUN
fsr-3263	10	6	is	be	AUX
fsr-3263	10	7	not	not	PART
fsr-3263	10	8	a	a	DET
fsr-3263	10	9	truism	truism	NOUN
fsr-3263	10	10	for	for	ADP
fsr-3263	10	11	all	all	DET
fsr-3263	10	12	parts	part	NOUN
fsr-3263	10	13	of	of	ADP
fsr-3263	10	14	american	american	ADJ
fsr-3263	10	15	society	society	NOUN
fsr-3263	10	16	.	.	PUNCT
fsr-3263	11	1	in	in	ADP
fsr-3263	11	2	particular	particular	ADJ
fsr-3263	11	3	,	,	PUNCT
fsr-3263	11	4	the	the	DET
fsr-3263	11	5	existing	exist	VERB
fsr-3263	11	6	literature	literature	NOUN
fsr-3263	11	7	suggests	suggest	VERB
fsr-3263	11	8	a	a	DET
fsr-3263	11	9	very	very	ADV
fsr-3263	11	10	*	*	PUNCT
fsr-3263	11	11	corresponding	correspond	VERB
fsr-3263	11	12	author	author	NOUN
fsr-3263	11	13	.	.	PUNCT
fsr-3263	12	1	tel	tel	PROPN
fsr-3263	12	2	.	.	PUNCT
fsr-3263	12	3	:	:	PUNCT
fsr-3263	13	1	�	�	PROPN
fsr-3263	13	2	1	1	NUM
fsr-3263	13	3	-	-	NUM
fsr-3263	13	4	573	573	NUM
fsr-3263	13	5	-	-	PUNCT
fsr-3263	13	6	884	884	NUM
fsr-3263	13	7	-	-	NUM
fsr-3263	13	8	9188	9188	NUM
fsr-3263	13	9	;	;	PUNCT
fsr-3263	13	10	fax	fax	NOUN
fsr-3263	13	11	:	:	PUNCT
fsr-3263	13	12	�	�	PROPN
fsr-3263	13	13	1	1	NUM
fsr-3263	13	14	-	-	NUM
fsr-3263	13	15	573	573	NUM
fsr-3263	13	16	-	-	PUNCT
fsr-3263	13	17	884	884	NUM
fsr-3263	13	18	-	-	PUNCT
fsr-3263	13	19	8389	8389	NUM
fsr-3263	13	20	.	.	PUNCT
fsr-3263	14	1	e	e	X
fsr-3263	14	2	-	-	NOUN
fsr-3263	14	3	mail	mail	NOUN
fsr-3263	14	4	address	address	NOUN
fsr-3263	14	5	:	:	PUNCT
fsr-3263	14	6	guillemettem@missouri.edu	guillemettem@missouri.edu	PROPN
fsr-3263	14	7	(	(	PUNCT
fsr-3263	14	8	m.a	m.a	PROPN
fsr-3263	14	9	.	.	PROPN
fsr-3263	14	10	guillemette	guillemette	PROPN
fsr-3263	14	11	)	)	PUNCT
fsr-3263	14	12	financial	financial	ADJ
fsr-3263	14	13	services	service	NOUN
fsr-3263	14	14	review	review	VERB
fsr-3263	14	15	24	24	NUM
fsr-3263	14	16	(	(	PUNCT
fsr-3263	14	17	2015	2015	NUM
fsr-3263	14	18	)	)	PUNCT
fsr-3263	14	19	37–50	37–50	NUM
fsr-3263	14	20	1057	1057	NUM
fsr-3263	14	21	-	-	SYM
fsr-3263	14	22	0810/15/$	0810/15/$	NUM
fsr-3263	14	23	–	–	PUNCT
fsr-3263	14	24	see	see	VERB
fsr-3263	14	25	front	front	ADJ
fsr-3263	14	26	matter	matter	NOUN
fsr-3263	14	27	©	©	PROPN
fsr-3263	14	28	2015	2015	NUM
fsr-3263	14	29	academy	academy	NOUN
fsr-3263	14	30	of	of	ADP
fsr-3263	14	31	financial	financial	ADJ
fsr-3263	14	32	services	service	NOUN
fsr-3263	14	33	.	.	PUNCT
fsr-3263	15	1	all	all	DET
fsr-3263	15	2	rights	right	NOUN
fsr-3263	15	3	reserved	reserve	VERB
fsr-3263	15	4	.	.	PUNCT
fsr-3263	16	1	diverse	diverse	ADJ
fsr-3263	16	2	usage	usage	NOUN
fsr-3263	16	3	of	of	ADP
fsr-3263	16	4	life	life	NOUN
fsr-3263	16	5	insurance	insurance	NOUN
fsr-3263	16	6	ownership	ownership	NOUN
fsr-3263	16	7	among	among	ADP
fsr-3263	16	8	households	household	NOUN
fsr-3263	16	9	in	in	ADP
fsr-3263	16	10	different	different	ADJ
fsr-3263	16	11	ethnic	ethnic	ADJ
fsr-3263	16	12	and	and	CCONJ
fsr-3263	16	13	racial	racial	ADJ
fsr-3263	16	14	groups	group	NOUN
fsr-3263	16	15	.	.	PUNCT
fsr-3263	17	1	if	if	SCONJ
fsr-3263	17	2	these	these	DET
fsr-3263	17	3	suggestions	suggestion	NOUN
fsr-3263	17	4	are	be	AUX
fsr-3263	17	5	correct	correct	ADJ
fsr-3263	17	6	,	,	PUNCT
fsr-3263	17	7	financial	financial	ADJ
fsr-3263	17	8	planners	planner	NOUN
fsr-3263	17	9	may	may	AUX
fsr-3263	17	10	face	face	VERB
fsr-3263	17	11	special	special	ADJ
fsr-3263	17	12	challenges	challenge	NOUN
fsr-3263	17	13	when	when	SCONJ
fsr-3263	17	14	constructing	construct	VERB
fsr-3263	17	15	plans	plan	NOUN
fsr-3263	17	16	for	for	ADP
fsr-3263	17	17	clients	client	NOUN
fsr-3263	17	18	who	who	PRON
fsr-3263	17	19	are	be	AUX
fsr-3263	17	20	in	in	ADP
fsr-3263	17	21	a	a	DET
fsr-3263	17	22	group	group	NOUN
fsr-3263	17	23	that	that	PRON
fsr-3263	17	24	tends	tend	VERB
fsr-3263	17	25	to	to	PART
fsr-3263	17	26	underutilize	underutilize	VERB
fsr-3263	17	27	life	life	NOUN
fsr-3263	17	28	insurance	insurance	NOUN
fsr-3263	17	29	products	product	NOUN
fsr-3263	17	30	.	.	PUNCT
fsr-3263	18	1	alternatively	alternatively	ADV
fsr-3263	18	2	,	,	PUNCT
fsr-3263	18	3	it	it	PRON
fsr-3263	18	4	may	may	AUX
fsr-3263	18	5	be	be	AUX
fsr-3263	18	6	that	that	SCONJ
fsr-3263	18	7	the	the	DET
fsr-3263	18	8	decision	decision	NOUN
fsr-3263	18	9	to	to	PART
fsr-3263	18	10	use	use	VERB
fsr-3263	18	11	life	life	NOUN
fsr-3263	18	12	insurance	insurance	NOUN
fsr-3263	18	13	may	may	AUX
fsr-3263	18	14	be	be	AUX
fsr-3263	18	15	a	a	DET
fsr-3263	18	16	function	function	NOUN
fsr-3263	18	17	of	of	ADP
fsr-3263	18	18	family	family	NOUN
fsr-3263	18	19	size	size	NOUN
fsr-3263	18	20	,	,	PUNCT
fsr-3263	18	21	rather	rather	ADV
fsr-3263	18	22	than	than	ADP
fsr-3263	18	23	ethnicity	ethnicity	NOUN
fsr-3263	18	24	.	.	PUNCT
fsr-3263	19	1	studies	study	NOUN
fsr-3263	19	2	on	on	ADP
fsr-3263	19	3	family	family	NOUN
fsr-3263	19	4	support	support	NOUN
fsr-3263	19	5	networks	network	NOUN
fsr-3263	19	6	suggest	suggest	VERB
fsr-3263	19	7	that	that	SCONJ
fsr-3263	19	8	the	the	DET
fsr-3263	19	9	presence	presence	NOUN
fsr-3263	19	10	of	of	ADP
fsr-3263	19	11	strong	strong	ADJ
fsr-3263	19	12	family	family	NOUN
fsr-3263	19	13	support	support	NOUN
fsr-3263	19	14	networks	network	NOUN
fsr-3263	19	15	are	be	AUX
fsr-3263	19	16	important	important	ADJ
fsr-3263	19	17	in	in	ADP
fsr-3263	19	18	determining	determine	VERB
fsr-3263	19	19	how	how	SCONJ
fsr-3263	19	20	families	family	NOUN
fsr-3263	19	21	manage	manage	VERB
fsr-3263	19	22	household	household	NOUN
fsr-3263	19	23	resources	resource	NOUN
fsr-3263	19	24	.	.	PUNCT
fsr-3263	20	1	could	could	AUX
fsr-3263	20	2	family	family	VERB
fsr-3263	20	3	support	support	NOUN
fsr-3263	20	4	networks	network	NOUN
fsr-3263	20	5	be	be	AUX
fsr-3263	20	6	perceived	perceive	VERB
fsr-3263	20	7	by	by	ADP
fsr-3263	20	8	clients	client	NOUN
fsr-3263	20	9	as	as	ADP
fsr-3263	20	10	a	a	DET
fsr-3263	20	11	substitute	substitute	NOUN
fsr-3263	20	12	for	for	ADP
fsr-3263	20	13	a	a	DET
fsr-3263	20	14	properly	properly	ADV
fsr-3263	20	15	designed	design	VERB
fsr-3263	20	16	life	life	NOUN
fsr-3263	20	17	insurance	insurance	NOUN
fsr-3263	20	18	program	program	NOUN
fsr-3263	20	19	?	?	PUNCT
fsr-3263	21	1	this	this	PRON
fsr-3263	21	2	is	be	AUX
fsr-3263	21	3	an	an	DET
fsr-3263	21	4	important	important	ADJ
fsr-3263	21	5	distinction	distinction	NOUN
fsr-3263	21	6	for	for	ADP
fsr-3263	21	7	financial	financial	ADJ
fsr-3263	21	8	planners	planner	NOUN
fsr-3263	21	9	because	because	SCONJ
fsr-3263	21	10	it	it	PRON
fsr-3263	21	11	could	could	AUX
fsr-3263	21	12	suggest	suggest	VERB
fsr-3263	21	13	a	a	DET
fsr-3263	21	14	focus	focus	NOUN
fsr-3263	21	15	on	on	ADP
fsr-3263	21	16	family	family	NOUN
fsr-3263	21	17	size	size	NOUN
fsr-3263	21	18	rather	rather	ADV
fsr-3263	21	19	than	than	ADP
fsr-3263	21	20	cultural	cultural	ADJ
fsr-3263	21	21	background	background	NOUN
fsr-3263	21	22	when	when	SCONJ
fsr-3263	21	23	deciding	decide	VERB
fsr-3263	21	24	how	how	SCONJ
fsr-3263	21	25	to	to	PART
fsr-3263	21	26	educate	educate	VERB
fsr-3263	21	27	clients	client	NOUN
fsr-3263	21	28	about	about	ADP
fsr-3263	21	29	insurance	insurance	NOUN
fsr-3263	21	30	products	product	NOUN
fsr-3263	21	31	.	.	PUNCT
fsr-3263	22	1	this	this	DET
fsr-3263	22	2	study	study	NOUN
fsr-3263	22	3	investigates	investigate	VERB
fsr-3263	22	4	how	how	SCONJ
fsr-3263	22	5	family	family	NOUN
fsr-3263	22	6	support	support	NOUN
fsr-3263	22	7	systems	system	NOUN
fsr-3263	22	8	affect	affect	VERB
fsr-3263	22	9	life	life	NOUN
fsr-3263	22	10	insurance	insurance	NOUN
fsr-3263	22	11	purchasing	purchasing	NOUN
fsr-3263	22	12	decisions	decision	NOUN
fsr-3263	22	13	across	across	ADP
fsr-3263	22	14	various	various	ADJ
fsr-3263	22	15	ethnic	ethnic	ADJ
fsr-3263	22	16	groups	group	NOUN
fsr-3263	22	17	.	.	PUNCT
fsr-3263	23	1	by	by	ADP
fsr-3263	23	2	performing	perform	VERB
fsr-3263	23	3	this	this	DET
fsr-3263	23	4	analysis	analysis	NOUN
fsr-3263	23	5	,	,	PUNCT
fsr-3263	23	6	we	we	PRON
fsr-3263	23	7	are	be	AUX
fsr-3263	23	8	able	able	ADJ
fsr-3263	23	9	to	to	PART
fsr-3263	23	10	help	help	VERB
fsr-3263	23	11	distinguish	distinguish	VERB
fsr-3263	23	12	whether	whether	SCONJ
fsr-3263	23	13	possible	possible	ADJ
fsr-3263	23	14	underinsurance	underinsurance	NOUN
fsr-3263	23	15	tends	tend	VERB
fsr-3263	23	16	to	to	PART
fsr-3263	23	17	result	result	VERB
fsr-3263	23	18	from	from	ADP
fsr-3263	23	19	strong	strong	ADJ
fsr-3263	23	20	family	family	NOUN
fsr-3263	23	21	support	support	NOUN
fsr-3263	23	22	networks	network	NOUN
fsr-3263	23	23	accompanying	accompany	VERB
fsr-3263	23	24	larger	large	ADJ
fsr-3263	23	25	family	family	NOUN
fsr-3263	23	26	size	size	NOUN
fsr-3263	23	27	or	or	CCONJ
fsr-3263	23	28	whether	whether	SCONJ
fsr-3263	23	29	it	it	PRON
fsr-3263	23	30	tends	tend	VERB
fsr-3263	23	31	to	to	PART
fsr-3263	23	32	be	be	AUX
fsr-3263	23	33	a	a	DET
fsr-3263	23	34	function	function	NOUN
fsr-3263	23	35	of	of	ADP
fsr-3263	23	36	ethnic	ethnic	ADJ
fsr-3263	23	37	background	background	NOUN
fsr-3263	23	38	,	,	PUNCT
fsr-3263	23	39	or	or	CCONJ
fsr-3263	23	40	whether	whether	SCONJ
fsr-3263	23	41	it	it	PRON
fsr-3263	23	42	is	be	AUX
fsr-3263	23	43	an	an	DET
fsr-3263	23	44	interaction	interaction	NOUN
fsr-3263	23	45	between	between	ADP
fsr-3263	23	46	the	the	DET
fsr-3263	23	47	two	two	NUM
fsr-3263	23	48	.	.	PUNCT
fsr-3263	24	1	specifically	specifically	ADV
fsr-3263	24	2	,	,	PUNCT
fsr-3263	24	3	we	we	PRON
fsr-3263	24	4	focus	focus	VERB
fsr-3263	24	5	on	on	ADP
fsr-3263	24	6	the	the	DET
fsr-3263	24	7	effects	effect	NOUN
fsr-3263	24	8	of	of	ADP
fsr-3263	24	9	household	household	NOUN
fsr-3263	24	10	size	size	NOUN
fsr-3263	24	11	and	and	CCONJ
fsr-3263	24	12	ethnicity	ethnicity	NOUN
fsr-3263	24	13	on	on	ADP
fsr-3263	24	14	the	the	DET
fsr-3263	24	15	face	face	NOUN
fsr-3263	24	16	value	value	NOUN
fsr-3263	24	17	of	of	ADP
fsr-3263	24	18	insurance	insurance	NOUN
fsr-3263	24	19	policies	policy	NOUN
fsr-3263	24	20	purchased	purchase	VERB
fsr-3263	24	21	according	accord	VERB
fsr-3263	24	22	to	to	ADP
fsr-3263	24	23	data	datum	NOUN
fsr-3263	24	24	from	from	ADP
fsr-3263	24	25	the	the	DET
fsr-3263	24	26	1992–2010	1992–2010	NUM
fsr-3263	24	27	survey	survey	NOUN
fsr-3263	24	28	of	of	ADP
fsr-3263	24	29	consumer	consumer	NOUN
fsr-3263	24	30	finances	finance	NOUN
fsr-3263	24	31	.	.	PUNCT
fsr-3263	25	1	the	the	DET
fsr-3263	25	2	results	result	NOUN
fsr-3263	25	3	of	of	ADP
fsr-3263	25	4	this	this	DET
fsr-3263	25	5	study	study	NOUN
fsr-3263	25	6	have	have	VERB
fsr-3263	25	7	practical	practical	ADJ
fsr-3263	25	8	value	value	NOUN
fsr-3263	25	9	for	for	ADP
fsr-3263	25	10	financial	financial	ADJ
fsr-3263	25	11	planners	planner	NOUN
fsr-3263	25	12	by	by	ADP
fsr-3263	25	13	providing	provide	VERB
fsr-3263	25	14	insight	insight	NOUN
fsr-3263	25	15	into	into	ADP
fsr-3263	25	16	minority	minority	NOUN
fsr-3263	25	17	households	household	NOUN
fsr-3263	25	18	’	'	PUNCT
fsr-3263	25	19	predilections	predilection	NOUN
fsr-3263	25	20	regarding	regard	VERB
fsr-3263	25	21	life	life	NOUN
fsr-3263	25	22	insurance	insurance	NOUN
fsr-3263	25	23	products	product	NOUN
fsr-3263	25	24	and	and	CCONJ
fsr-3263	25	25	the	the	DET
fsr-3263	25	26	perceived	perceive	VERB
fsr-3263	25	27	need	need	NOUN
fsr-3263	25	28	for	for	ADP
fsr-3263	25	29	such	such	ADJ
fsr-3263	25	30	tools	tool	NOUN
fsr-3263	25	31	in	in	ADP
fsr-3263	25	32	their	their	PRON
fsr-3263	25	33	financial	financial	ADJ
fsr-3263	25	34	plans	plan	NOUN
fsr-3263	25	35	.	.	PUNCT
fsr-3263	26	1	by	by	ADP
fsr-3263	26	2	recognizing	recognize	VERB
fsr-3263	26	3	minority	minority	NOUN
fsr-3263	26	4	households	household	NOUN
fsr-3263	26	5	’	'	PUNCT
fsr-3263	26	6	inclinations	inclination	NOUN
fsr-3263	26	7	towards	towards	ADP
fsr-3263	26	8	life	life	NOUN
fsr-3263	26	9	insurance	insurance	NOUN
fsr-3263	26	10	when	when	SCONJ
fsr-3263	26	11	crafting	craft	VERB
fsr-3263	26	12	a	a	DET
fsr-3263	26	13	financial	financial	ADJ
fsr-3263	26	14	plan	plan	NOUN
fsr-3263	26	15	,	,	PUNCT
fsr-3263	26	16	advisors	advisor	NOUN
fsr-3263	26	17	can	can	AUX
fsr-3263	26	18	reinforce	reinforce	VERB
fsr-3263	26	19	their	their	PRON
fsr-3263	26	20	relationships	relationship	NOUN
fsr-3263	26	21	and	and	CCONJ
fsr-3263	26	22	long	long	ADJ
fsr-3263	26	23	-	-	PUNCT
fsr-3263	26	24	term	term	NOUN
fsr-3263	26	25	impact	impact	NOUN
fsr-3263	26	26	on	on	ADP
fsr-3263	26	27	their	their	PRON
fsr-3263	26	28	clients	client	NOUN
fsr-3263	26	29	’	’	PART
fsr-3263	26	30	financial	financial	ADJ
fsr-3263	26	31	wellbeing	wellbeing	NOUN
fsr-3263	26	32	.	.	PUNCT
fsr-3263	27	1	2	2	X
fsr-3263	27	2	.	.	X
fsr-3263	27	3	literature	literature	NOUN
fsr-3263	27	4	review	review	PROPN
fsr-3263	27	5	insurance	insurance	NOUN
fsr-3263	27	6	provides	provide	VERB
fsr-3263	27	7	an	an	DET
fsr-3263	27	8	effective	effective	ADJ
fsr-3263	27	9	way	way	NOUN
fsr-3263	27	10	for	for	SCONJ
fsr-3263	27	11	individuals	individual	NOUN
fsr-3263	27	12	to	to	PART
fsr-3263	27	13	protect	protect	VERB
fsr-3263	27	14	against	against	ADP
fsr-3263	27	15	a	a	DET
fsr-3263	27	16	severe	severe	ADJ
fsr-3263	27	17	downturn	downturn	NOUN
fsr-3263	27	18	in	in	ADP
fsr-3263	27	19	consumption	consumption	NOUN
fsr-3263	27	20	.	.	PUNCT
fsr-3263	28	1	by	by	ADP
fsr-3263	28	2	pooling	pool	VERB
fsr-3263	28	3	and	and	CCONJ
fsr-3263	28	4	sharing	share	VERB
fsr-3263	28	5	risks	risk	NOUN
fsr-3263	28	6	,	,	PUNCT
fsr-3263	28	7	beneficiaries	beneficiary	NOUN
fsr-3263	28	8	will	will	AUX
fsr-3263	28	9	receive	receive	VERB
fsr-3263	28	10	their	their	PRON
fsr-3263	28	11	insurance	insurance	NOUN
fsr-3263	28	12	payouts	payout	NOUN
fsr-3263	28	13	when	when	SCONJ
fsr-3263	28	14	a	a	DET
fsr-3263	28	15	covered	covered	ADJ
fsr-3263	28	16	death	death	NOUN
fsr-3263	28	17	occurs	occur	VERB
fsr-3263	28	18	(	(	PUNCT
fsr-3263	28	19	bajtelsmit	bajtelsmit	NOUN
fsr-3263	28	20	,	,	PUNCT
fsr-3263	28	21	2005	2005	NUM
fsr-3263	28	22	)	)	PUNCT
fsr-3263	28	23	.	.	PUNCT
fsr-3263	29	1	this	this	PRON
fsr-3263	29	2	is	be	AUX
fsr-3263	29	3	an	an	DET
fsr-3263	29	4	example	example	NOUN
fsr-3263	29	5	of	of	ADP
fsr-3263	29	6	smoothing	smooth	VERB
fsr-3263	29	7	consumption	consumption	NOUN
fsr-3263	29	8	over	over	ADP
fsr-3263	29	9	time	time	NOUN
fsr-3263	29	10	,	,	PUNCT
fsr-3263	29	11	a	a	DET
fsr-3263	29	12	primary	primary	ADJ
fsr-3263	29	13	goal	goal	NOUN
fsr-3263	29	14	of	of	ADP
fsr-3263	29	15	financial	financial	ADJ
fsr-3263	29	16	planning	planning	NOUN
fsr-3263	29	17	(	(	PUNCT
fsr-3263	29	18	ando	ando	PROPN
fsr-3263	29	19	&	&	CCONJ
fsr-3263	29	20	modigliani	modigliani	PROPN
fsr-3263	29	21	,	,	PUNCT
fsr-3263	29	22	1963	1963	NUM
fsr-3263	29	23	)	)	PUNCT
fsr-3263	29	24	.	.	PUNCT
fsr-3263	30	1	on	on	ADP
fsr-3263	30	2	the	the	DET
fsr-3263	30	3	other	other	ADJ
fsr-3263	30	4	hand	hand	NOUN
fsr-3263	30	5	,	,	PUNCT
fsr-3263	30	6	households	household	NOUN
fsr-3263	30	7	with	with	ADP
fsr-3263	30	8	extended	extended	ADJ
fsr-3263	30	9	familial	familial	ADJ
fsr-3263	30	10	ties	tie	NOUN
fsr-3263	30	11	may	may	AUX
fsr-3263	30	12	plan	plan	VERB
fsr-3263	30	13	to	to	PART
fsr-3263	30	14	rely	rely	VERB
fsr-3263	30	15	on	on	ADP
fsr-3263	30	16	the	the	DET
fsr-3263	30	17	safety	safety	NOUN
fsr-3263	30	18	net	net	NOUN
fsr-3263	30	19	provided	provide	VERB
fsr-3263	30	20	by	by	ADP
fsr-3263	30	21	family	family	NOUN
fsr-3263	30	22	members	member	NOUN
fsr-3263	30	23	to	to	PART
fsr-3263	30	24	offset	offset	VERB
fsr-3263	30	25	the	the	DET
fsr-3263	30	26	financial	financial	ADJ
fsr-3263	30	27	loss	loss	NOUN
fsr-3263	30	28	after	after	ADP
fsr-3263	30	29	the	the	DET
fsr-3263	30	30	death	death	NOUN
fsr-3263	30	31	of	of	ADP
fsr-3263	30	32	a	a	DET
fsr-3263	30	33	household	household	NOUN
fsr-3263	30	34	earner	earner	NOUN
fsr-3263	30	35	,	,	PUNCT
fsr-3263	30	36	illustrated	illustrate	VERB
fsr-3263	30	37	in	in	ADP
fsr-3263	30	38	part	part	NOUN
fsr-3263	30	39	by	by	ADP
fsr-3263	30	40	the	the	DET
fsr-3263	30	41	increase	increase	NOUN
fsr-3263	30	42	since	since	SCONJ
fsr-3263	30	43	1990	1990	NUM
fsr-3263	30	44	in	in	ADP
fsr-3263	30	45	the	the	DET
fsr-3263	30	46	number	number	NOUN
fsr-3263	30	47	of	of	ADP
fsr-3263	30	48	older	old	ADJ
fsr-3263	30	49	individuals	individual	NOUN
fsr-3263	30	50	who	who	PRON
fsr-3263	30	51	live	live	VERB
fsr-3263	30	52	in	in	ADP
fsr-3263	30	53	multigenerational	multigenerational	ADJ
fsr-3263	30	54	households	household	NOUN
fsr-3263	30	55	(	(	PUNCT
fsr-3263	30	56	fry	fry	NOUN
fsr-3263	30	57	&	&	CCONJ
fsr-3263	30	58	passel	passel	ADJ
fsr-3263	30	59	,	,	PUNCT
fsr-3263	30	60	2014	2014	NUM
fsr-3263	30	61	)	)	PUNCT
fsr-3263	30	62	.	.	PUNCT
fsr-3263	31	1	there	there	PRON
fsr-3263	31	2	is	be	VERB
fsr-3263	31	3	evidence	evidence	NOUN
fsr-3263	31	4	of	of	ADP
fsr-3263	31	5	interdependence	interdependence	NOUN
fsr-3263	31	6	and	and	CCONJ
fsr-3263	31	7	strong	strong	ADJ
fsr-3263	31	8	family	family	NOUN
fsr-3263	31	9	support	support	NOUN
fsr-3263	31	10	networks	network	NOUN
fsr-3263	31	11	among	among	ADP
fsr-3263	31	12	minority	minority	NOUN
fsr-3263	31	13	households	household	NOUN
fsr-3263	31	14	(	(	PUNCT
fsr-3263	31	15	harrison	harrison	PROPN
fsr-3263	31	16	,	,	PUNCT
fsr-3263	31	17	wilson	wilson	PROPN
fsr-3263	31	18	,	,	PUNCT
fsr-3263	31	19	pine	pine	PROPN
fsr-3263	31	20	,	,	PUNCT
fsr-3263	31	21	chan	chan	PROPN
fsr-3263	31	22	,	,	PUNCT
fsr-3263	31	23	&	&	CCONJ
fsr-3263	31	24	buriel	buriel	NOUN
fsr-3263	31	25	,	,	PUNCT
fsr-3263	31	26	1990	1990	NUM
fsr-3263	31	27	)	)	PUNCT
fsr-3263	31	28	.	.	PUNCT
fsr-3263	32	1	minority	minority	NOUN
fsr-3263	32	2	households	household	NOUN
fsr-3263	32	3	also	also	ADV
fsr-3263	32	4	receive	receive	VERB
fsr-3263	32	5	greater	great	ADJ
fsr-3263	32	6	financial	financial	ADJ
fsr-3263	32	7	assistance	assistance	NOUN
fsr-3263	32	8	from	from	ADP
fsr-3263	32	9	family	family	NOUN
fsr-3263	32	10	members	member	NOUN
fsr-3263	32	11	compared	compare	VERB
fsr-3263	32	12	with	with	ADP
fsr-3263	32	13	white	white	ADJ
fsr-3263	32	14	households	household	NOUN
fsr-3263	32	15	(	(	PUNCT
fsr-3263	32	16	mutran	mutran	NOUN
fsr-3263	32	17	,	,	PUNCT
fsr-3263	32	18	1985	1985	NUM
fsr-3263	32	19	)	)	PUNCT
fsr-3263	32	20	.	.	PUNCT
fsr-3263	33	1	white	white	ADJ
fsr-3263	33	2	households	household	NOUN
fsr-3263	33	3	have	have	VERB
fsr-3263	33	4	relatively	relatively	ADV
fsr-3263	33	5	higher	high	ADJ
fsr-3263	33	6	rates	rate	NOUN
fsr-3263	33	7	of	of	ADP
fsr-3263	33	8	insurance	insurance	NOUN
fsr-3263	33	9	coverage	coverage	NOUN
fsr-3263	33	10	compared	compare	VERB
fsr-3263	33	11	to	to	ADP
fsr-3263	33	12	black	black	ADJ
fsr-3263	33	13	households	household	NOUN
fsr-3263	33	14	(	(	PUNCT
fsr-3263	33	15	gutter	gutter	NOUN
fsr-3263	33	16	&	&	CCONJ
fsr-3263	33	17	hatcher	hatcher	PROPN
fsr-3263	33	18	,	,	PUNCT
fsr-3263	33	19	2008	2008	NUM
fsr-3263	33	20	)	)	PUNCT
fsr-3263	33	21	.	.	PUNCT
fsr-3263	34	1	large	large	ADJ
fsr-3263	34	2	family	family	NOUN
fsr-3263	34	3	support	support	NOUN
fsr-3263	34	4	systems	system	NOUN
fsr-3263	34	5	could	could	AUX
fsr-3263	34	6	be	be	AUX
fsr-3263	34	7	used	use	VERB
fsr-3263	34	8	as	as	ADP
fsr-3263	34	9	a	a	DET
fsr-3263	34	10	substitute	substitute	NOUN
fsr-3263	34	11	for	for	ADP
fsr-3263	34	12	life	life	NOUN
fsr-3263	34	13	insurance	insurance	NOUN
fsr-3263	34	14	ownership	ownership	NOUN
fsr-3263	34	15	as	as	SCONJ
fsr-3263	34	16	earnings	earning	NOUN
fsr-3263	34	17	produced	produce	VERB
fsr-3263	34	18	by	by	ADP
fsr-3263	34	19	the	the	DET
fsr-3263	34	20	lost	lose	VERB
fsr-3263	34	21	family	family	NOUN
fsr-3263	34	22	member	member	NOUN
fsr-3263	34	23	may	may	AUX
fsr-3263	34	24	be	be	AUX
fsr-3263	34	25	replaced	replace	VERB
fsr-3263	34	26	by	by	ADP
fsr-3263	34	27	other	other	ADJ
fsr-3263	34	28	household	household	NOUN
fsr-3263	34	29	members	member	NOUN
fsr-3263	34	30	.	.	PUNCT
fsr-3263	35	1	findings	finding	NOUN
fsr-3263	35	2	indicate	indicate	VERB
fsr-3263	35	3	that	that	DET
fsr-3263	35	4	black	black	ADJ
fsr-3263	35	5	,	,	PUNCT
fsr-3263	35	6	hispanic	hispanic	ADJ
fsr-3263	35	7	,	,	PUNCT
fsr-3263	35	8	and	and	CCONJ
fsr-3263	35	9	asian	asian	ADJ
fsr-3263	35	10	households	household	NOUN
fsr-3263	35	11	utilize	utilize	VERB
fsr-3263	35	12	adaptive	adaptive	ADJ
fsr-3263	35	13	strategies	strategy	NOUN
fsr-3263	35	14	of	of	ADP
fsr-3263	35	15	strong	strong	ADJ
fsr-3263	35	16	extended	extended	ADJ
fsr-3263	35	17	family	family	NOUN
fsr-3263	35	18	networks	network	NOUN
fsr-3263	35	19	and	and	CCONJ
fsr-3263	35	20	collectivism	collectivism	NOUN
fsr-3263	35	21	,	,	PUNCT
fsr-3263	35	22	and	and	CCONJ
fsr-3263	35	23	also	also	ADV
fsr-3263	35	24	exhibit	exhibit	VERB
fsr-3263	35	25	group	group	NOUN
fsr-3263	35	26	loyalty	loyalty	NOUN
fsr-3263	35	27	(	(	PUNCT
fsr-3263	35	28	harrison	harrison	PROPN
fsr-3263	35	29	et	et	PROPN
fsr-3263	35	30	al	al	PROPN
fsr-3263	35	31	.	.	PROPN
fsr-3263	35	32	,	,	PUNCT
fsr-3263	35	33	1990	1990	NUM
fsr-3263	35	34	)	)	PUNCT
fsr-3263	35	35	.	.	PUNCT
fsr-3263	36	1	these	these	DET
fsr-3263	36	2	adaptive	adaptive	ADJ
fsr-3263	36	3	strategies	strategy	NOUN
fsr-3263	36	4	foster	foster	ADJ
fsr-3263	36	5	child	child	NOUN
fsr-3263	36	6	-	-	PUNCT
fsr-3263	36	7	rearing	rear	VERB
fsr-3263	36	8	goals	goal	NOUN
fsr-3263	36	9	of	of	ADP
fsr-3263	36	10	socialization	socialization	NOUN
fsr-3263	36	11	for	for	ADP
fsr-3263	36	12	interdependence	interdependence	NOUN
fsr-3263	36	13	.	.	PUNCT
fsr-3263	37	1	when	when	SCONJ
fsr-3263	37	2	comparing	compare	VERB
fsr-3263	37	3	black	black	ADJ
fsr-3263	37	4	and	and	CCONJ
fsr-3263	37	5	his38	his38	PROPN
fsr-3263	37	6	m.a	m.a	PROPN
fsr-3263	37	7	.	.	PROPN
fsr-3263	37	8	guillemette	guillemette	PROPN
fsr-3263	37	9	et	et	PROPN
fsr-3263	37	10	al	al	PROPN
fsr-3263	37	11	.	.	PUNCT
fsr-3263	37	12	/	/	SYM
fsr-3263	37	13	financial	financial	ADJ
fsr-3263	37	14	services	service	NOUN
fsr-3263	37	15	review	review	VERB
fsr-3263	37	16	24	24	NUM
fsr-3263	37	17	(	(	PUNCT
fsr-3263	37	18	2015	2015	NUM
fsr-3263	37	19	)	)	PUNCT
fsr-3263	37	20	37–50	37–50	NUM
fsr-3263	37	21	panic	panic	NOUN
fsr-3263	37	22	households	household	NOUN
fsr-3263	37	23	,	,	PUNCT
fsr-3263	37	24	black	black	ADJ
fsr-3263	37	25	families	family	NOUN
fsr-3263	37	26	have	have	VERB
fsr-3263	37	27	larger	large	ADJ
fsr-3263	37	28	support	support	NOUN
fsr-3263	37	29	systems	system	NOUN
fsr-3263	37	30	(	(	PUNCT
fsr-3263	37	31	mui	mui	NOUN
fsr-3263	37	32	,	,	PUNCT
fsr-3263	37	33	1993	1993	NUM
fsr-3263	37	34	;	;	PUNCT
fsr-3263	37	35	wasserman	wasserman	PROPN
fsr-3263	37	36	,	,	PUNCT
fsr-3263	37	37	brunelli	brunelli	PROPN
fsr-3263	37	38	,	,	PUNCT
fsr-3263	37	39	rauh	rauh	PROPN
fsr-3263	37	40	,	,	PUNCT
fsr-3263	37	41	&	&	CCONJ
fsr-3263	37	42	garcia	garcia	PROPN
fsr-3263	37	43	-	-	PUNCT
fsr-3263	37	44	castro	castro	PROPN
fsr-3263	37	45	,	,	PUNCT
fsr-3263	37	46	1990	1990	NUM
fsr-3263	37	47	)	)	PUNCT
fsr-3263	37	48	.	.	PUNCT
fsr-3263	38	1	studies	study	NOUN
fsr-3263	38	2	on	on	ADP
fsr-3263	38	3	family	family	NOUN
fsr-3263	38	4	support	support	NOUN
fsr-3263	38	5	networks	network	NOUN
fsr-3263	38	6	suggest	suggest	VERB
fsr-3263	38	7	they	they	PRON
fsr-3263	38	8	are	be	AUX
fsr-3263	38	9	important	important	ADJ
fsr-3263	38	10	in	in	ADP
fsr-3263	38	11	determining	determine	VERB
fsr-3263	38	12	how	how	SCONJ
fsr-3263	38	13	families	family	NOUN
fsr-3263	38	14	manage	manage	VERB
fsr-3263	38	15	household	household	NOUN
fsr-3263	38	16	resources	resource	NOUN
fsr-3263	38	17	.	.	PUNCT
fsr-3263	39	1	tienda	tienda	NOUN
fsr-3263	39	2	and	and	CCONJ
fsr-3263	39	3	angel	angel	NOUN
fsr-3263	39	4	(	(	PUNCT
fsr-3263	39	5	1982	1982	NUM
fsr-3263	39	6	)	)	PUNCT
fsr-3263	39	7	analyze	analyze	VERB
fsr-3263	39	8	hispanic	hispanic	ADJ
fsr-3263	39	9	,	,	PUNCT
fsr-3263	39	10	black	black	ADJ
fsr-3263	39	11	and	and	CCONJ
fsr-3263	39	12	white	white	ADJ
fsr-3263	39	13	families	family	NOUN
fsr-3263	39	14	to	to	PART
fsr-3263	39	15	determine	determine	VERB
fsr-3263	39	16	whether	whether	SCONJ
fsr-3263	39	17	extended	extended	ADJ
fsr-3263	39	18	household	household	NOUN
fsr-3263	39	19	structure	structure	NOUN
fsr-3263	39	20	moderates	moderate	VERB
fsr-3263	39	21	the	the	DET
fsr-3263	39	22	impact	impact	NOUN
fsr-3263	39	23	of	of	ADP
fsr-3263	39	24	labor	labor	NOUN
fsr-3263	39	25	market	market	NOUN
fsr-3263	39	26	disadvantages	disadvantage	VERB
fsr-3263	39	27	.	.	PUNCT
fsr-3263	40	1	they	they	PRON
fsr-3263	40	2	report	report	VERB
fsr-3263	40	3	the	the	DET
fsr-3263	40	4	following	following	NOUN
fsr-3263	40	5	:	:	PUNCT
fsr-3263	40	6	(	(	PUNCT
fsr-3263	40	7	1	1	X
fsr-3263	40	8	)	)	PUNCT
fsr-3263	40	9	hispanic	hispanic	ADJ
fsr-3263	40	10	and	and	CCONJ
fsr-3263	40	11	black	black	ADJ
fsr-3263	40	12	households	household	NOUN
fsr-3263	40	13	are	be	AUX
fsr-3263	40	14	similar	similar	ADJ
fsr-3263	40	15	in	in	ADP
fsr-3263	40	16	their	their	PRON
fsr-3263	40	17	dependence	dependence	NOUN
fsr-3263	40	18	on	on	ADP
fsr-3263	40	19	extended	extended	ADJ
fsr-3263	40	20	household	household	NOUN
fsr-3263	40	21	support	support	NOUN
fsr-3263	40	22	whereas	whereas	SCONJ
fsr-3263	40	23	white	white	ADJ
fsr-3263	40	24	households	household	NOUN
fsr-3263	40	25	are	be	AUX
fsr-3263	40	26	less	less	ADV
fsr-3263	40	27	likely	likely	ADJ
fsr-3263	40	28	to	to	PART
fsr-3263	40	29	rely	rely	VERB
fsr-3263	40	30	on	on	ADP
fsr-3263	40	31	extended	extended	ADJ
fsr-3263	40	32	family	family	NOUN
fsr-3263	40	33	support	support	NOUN
fsr-3263	40	34	;	;	PUNCT
fsr-3263	40	35	(	(	PUNCT
fsr-3263	40	36	2	2	X
fsr-3263	40	37	)	)	PUNCT
fsr-3263	40	38	non	non	ADJ
fsr-3263	40	39	-	-	ADJ
fsr-3263	40	40	immediate	immediate	ADJ
fsr-3263	40	41	members	member	NOUN
fsr-3263	40	42	in	in	ADP
fsr-3263	40	43	black	black	ADJ
fsr-3263	40	44	and	and	CCONJ
fsr-3263	40	45	hispanic	hispanic	ADJ
fsr-3263	40	46	households	household	NOUN
fsr-3263	40	47	contribute	contribute	VERB
fsr-3263	40	48	significantly	significantly	ADV
fsr-3263	40	49	to	to	ADP
fsr-3263	40	50	total	total	ADJ
fsr-3263	40	51	household	household	NOUN
fsr-3263	40	52	income	income	NOUN
fsr-3263	40	53	;	;	PUNCT
fsr-3263	40	54	(	(	PUNCT
fsr-3263	40	55	3	3	X
fsr-3263	40	56	)	)	PUNCT
fsr-3263	40	57	non	non	ADJ
fsr-3263	40	58	-	-	ADJ
fsr-3263	40	59	immediate	immediate	ADJ
fsr-3263	40	60	members	member	NOUN
fsr-3263	40	61	in	in	ADP
fsr-3263	40	62	white	white	ADJ
fsr-3263	40	63	households	household	NOUN
fsr-3263	40	64	do	do	AUX
fsr-3263	40	65	not	not	PART
fsr-3263	40	66	appear	appear	VERB
fsr-3263	40	67	to	to	PART
fsr-3263	40	68	participate	participate	VERB
fsr-3263	40	69	contribute	contribute	VERB
fsr-3263	40	70	significantly	significantly	ADV
fsr-3263	40	71	to	to	ADP
fsr-3263	40	72	total	total	ADJ
fsr-3263	40	73	household	household	NOUN
fsr-3263	40	74	income	income	NOUN
fsr-3263	40	75	.	.	PUNCT
fsr-3263	41	1	mutran	mutran	NOUN
fsr-3263	41	2	(	(	PUNCT
fsr-3263	41	3	1985	1985	NUM
fsr-3263	41	4	)	)	PUNCT
fsr-3263	41	5	finds	find	VERB
fsr-3263	41	6	that	that	SCONJ
fsr-3263	41	7	when	when	SCONJ
fsr-3263	41	8	controlling	control	VERB
fsr-3263	41	9	for	for	ADP
fsr-3263	41	10	socioeconomic	socioeconomic	ADJ
fsr-3263	41	11	status	status	NOUN
fsr-3263	41	12	,	,	PUNCT
fsr-3263	41	13	elderly	elderly	ADJ
fsr-3263	41	14	black	black	ADJ
fsr-3263	41	15	parents	parent	NOUN
fsr-3263	41	16	are	be	AUX
fsr-3263	41	17	more	more	ADV
fsr-3263	41	18	likely	likely	ADJ
fsr-3263	41	19	than	than	SCONJ
fsr-3263	41	20	elderly	elderly	ADJ
fsr-3263	41	21	white	white	ADJ
fsr-3263	41	22	parents	parent	NOUN
fsr-3263	41	23	to	to	PART
fsr-3263	41	24	provide	provide	VERB
fsr-3263	41	25	financial	financial	ADJ
fsr-3263	41	26	assistance	assistance	NOUN
fsr-3263	41	27	to	to	ADP
fsr-3263	41	28	adult	adult	NOUN
fsr-3263	41	29	children	child	NOUN
fsr-3263	41	30	.	.	PUNCT
fsr-3263	42	1	padgett	padgett	PROPN
fsr-3263	42	2	(	(	PUNCT
fsr-3263	42	3	1997	1997	NUM
fsr-3263	42	4	)	)	PUNCT
fsr-3263	42	5	uses	use	VERB
fsr-3263	42	6	the	the	DET
fsr-3263	42	7	1988	1988	NUM
fsr-3263	42	8	national	national	ADJ
fsr-3263	42	9	survey	survey	NOUN
fsr-3263	42	10	on	on	ADP
fsr-3263	42	11	families	family	NOUN
fsr-3263	42	12	and	and	CCONJ
fsr-3263	42	13	households	household	NOUN
fsr-3263	42	14	to	to	PART
fsr-3263	42	15	assess	assess	VERB
fsr-3263	42	16	the	the	DET
fsr-3263	42	17	extent	extent	NOUN
fsr-3263	42	18	of	of	ADP
fsr-3263	42	19	network	network	NOUN
fsr-3263	42	20	involvement	involvement	NOUN
fsr-3263	42	21	and	and	CCONJ
fsr-3263	42	22	its	its	PRON
fsr-3263	42	23	relationship	relationship	NOUN
fsr-3263	42	24	with	with	ADP
fsr-3263	42	25	household	household	NOUN
fsr-3263	42	26	labor	labor	NOUN
fsr-3263	42	27	.	.	PUNCT
fsr-3263	43	1	when	when	SCONJ
fsr-3263	43	2	just	just	ADV
fsr-3263	43	3	examining	examine	VERB
fsr-3263	43	4	married	married	ADJ
fsr-3263	43	5	couples	couple	NOUN
fsr-3263	43	6	,	,	PUNCT
fsr-3263	43	7	approximately	approximately	ADV
fsr-3263	43	8	half	half	NOUN
fsr-3263	43	9	of	of	ADP
fsr-3263	43	10	black	black	ADJ
fsr-3263	43	11	couples	couple	NOUN
fsr-3263	43	12	receive	receive	VERB
fsr-3263	43	13	tangible	tangible	ADJ
fsr-3263	43	14	assistance	assistance	NOUN
fsr-3263	43	15	related	relate	VERB
fsr-3263	43	16	to	to	ADP
fsr-3263	43	17	household	household	NOUN
fsr-3263	43	18	production	production	NOUN
fsr-3263	43	19	(	(	PUNCT
fsr-3263	43	20	padgett	padgett	PROPN
fsr-3263	43	21	,	,	PUNCT
fsr-3263	43	22	1997	1997	NUM
fsr-3263	43	23	)	)	PUNCT
fsr-3263	43	24	.	.	PUNCT
fsr-3263	44	1	most	most	ADJ
fsr-3263	44	2	commercial	commercial	ADJ
fsr-3263	44	3	transactions	transaction	NOUN
fsr-3263	44	4	include	include	VERB
fsr-3263	44	5	some	some	DET
fsr-3263	44	6	element	element	NOUN
fsr-3263	44	7	of	of	ADP
fsr-3263	44	8	trust	trust	NOUN
fsr-3263	44	9	(	(	PUNCT
fsr-3263	44	10	arrow	arrow	NOUN
fsr-3263	44	11	,	,	PUNCT
fsr-3263	44	12	1972	1972	NUM
fsr-3263	44	13	)	)	PUNCT
fsr-3263	44	14	.	.	PUNCT
fsr-3263	45	1	if	if	SCONJ
fsr-3263	45	2	we	we	PRON
fsr-3263	45	3	define	define	VERB
fsr-3263	45	4	trust	trust	NOUN
fsr-3263	45	5	as	as	ADP
fsr-3263	45	6	the	the	DET
fsr-3263	45	7	likelihood	likelihood	NOUN
fsr-3263	45	8	an	an	DET
fsr-3263	45	9	individual	individual	ADJ
fsr-3263	45	10	attributes	attribute	NOUN
fsr-3263	45	11	to	to	ADP
fsr-3263	45	12	the	the	DET
fsr-3263	45	13	possibility	possibility	NOUN
fsr-3263	45	14	of	of	ADP
fsr-3263	45	15	being	be	AUX
fsr-3263	45	16	cheated	cheat	VERB
fsr-3263	45	17	(	(	PUNCT
fsr-3263	45	18	as	as	SCONJ
fsr-3263	45	19	defined	define	VERB
fsr-3263	45	20	in	in	ADP
fsr-3263	45	21	guiso	guiso	PROPN
fsr-3263	45	22	,	,	PUNCT
fsr-3263	45	23	sapienza	sapienza	PROPN
fsr-3263	45	24	,	,	PUNCT
fsr-3263	45	25	&	&	CCONJ
fsr-3263	45	26	zingales	zingale	NOUN
fsr-3263	45	27	,	,	PUNCT
fsr-3263	45	28	2008	2008	NUM
fsr-3263	45	29	)	)	PUNCT
fsr-3263	45	30	,	,	PUNCT
fsr-3263	45	31	we	we	PRON
fsr-3263	45	32	may	may	AUX
fsr-3263	45	33	better	well	ADV
fsr-3263	45	34	understand	understand	VERB
fsr-3263	45	35	the	the	DET
fsr-3263	45	36	greater	great	ADJ
fsr-3263	45	37	dependence	dependence	NOUN
fsr-3263	45	38	of	of	ADP
fsr-3263	45	39	minorities	minority	NOUN
fsr-3263	45	40	on	on	ADP
fsr-3263	45	41	their	their	PRON
fsr-3263	45	42	families	family	NOUN
fsr-3263	45	43	in	in	ADP
fsr-3263	45	44	contrast	contrast	NOUN
fsr-3263	45	45	to	to	ADP
fsr-3263	45	46	a	a	DET
fsr-3263	45	47	product	product	NOUN
fsr-3263	45	48	sold	sell	VERB
fsr-3263	45	49	by	by	ADP
fsr-3263	45	50	an	an	DET
fsr-3263	45	51	insurance	insurance	NOUN
fsr-3263	45	52	salesman	salesman	NOUN
fsr-3263	45	53	.	.	PUNCT
fsr-3263	46	1	within	within	ADP
fsr-3263	46	2	a	a	DET
fsr-3263	46	3	principal	principal	ADJ
fsr-3263	46	4	-	-	PUNCT
fsr-3263	46	5	agent	agent	NOUN
fsr-3263	46	6	theoretical	theoretical	ADJ
fsr-3263	46	7	framework	framework	NOUN
fsr-3263	46	8	,	,	PUNCT
fsr-3263	46	9	an	an	DET
fsr-3263	46	10	individual	individual	NOUN
fsr-3263	46	11	’s	’s	PART
fsr-3263	46	12	level	level	NOUN
fsr-3263	46	13	of	of	ADP
fsr-3263	46	14	trust	trust	NOUN
fsr-3263	46	15	may	may	AUX
fsr-3263	46	16	affect	affect	VERB
fsr-3263	46	17	financial	financial	ADJ
fsr-3263	46	18	decisions	decision	NOUN
fsr-3263	46	19	(	(	PUNCT
fsr-3263	46	20	akerlof	akerlof	NOUN
fsr-3263	46	21	,	,	PUNCT
fsr-3263	46	22	1970	1970	NUM
fsr-3263	46	23	)	)	PUNCT
fsr-3263	46	24	,	,	PUNCT
fsr-3263	46	25	including	include	VERB
fsr-3263	46	26	the	the	DET
fsr-3263	46	27	decision	decision	NOUN
fsr-3263	46	28	to	to	PART
fsr-3263	46	29	purchase	purchase	VERB
fsr-3263	46	30	life	life	NOUN
fsr-3263	46	31	insurance	insurance	NOUN
fsr-3263	46	32	.	.	PUNCT
fsr-3263	47	1	exchange	exchange	NOUN
fsr-3263	47	2	systems	system	NOUN
fsr-3263	47	3	involve	involve	VERB
fsr-3263	47	4	a	a	DET
fsr-3263	47	5	series	series	NOUN
fsr-3263	47	6	of	of	ADP
fsr-3263	47	7	individual	individual	ADJ
fsr-3263	47	8	actions	action	NOUN
fsr-3263	47	9	based	base	VERB
fsr-3263	47	10	on	on	ADP
fsr-3263	47	11	assymetric	assymetric	ADJ
fsr-3263	47	12	information	information	NOUN
fsr-3263	47	13	.	.	PUNCT
fsr-3263	48	1	trust	trust	NOUN
fsr-3263	48	2	helps	help	VERB
fsr-3263	48	3	to	to	PART
fsr-3263	48	4	manage	manage	VERB
fsr-3263	48	5	responses	response	NOUN
fsr-3263	48	6	to	to	ADP
fsr-3263	48	7	the	the	DET
fsr-3263	48	8	innate	innate	ADJ
fsr-3263	48	9	uncertainty	uncertainty	NOUN
fsr-3263	48	10	of	of	ADP
fsr-3263	48	11	exchange	exchange	NOUN
fsr-3263	48	12	relationships	relationship	NOUN
fsr-3263	48	13	(	(	PUNCT
fsr-3263	48	14	tyler	tyler	NOUN
fsr-3263	48	15	&	&	CCONJ
fsr-3263	48	16	stanley	stanley	PROPN
fsr-3263	48	17	,	,	PUNCT
fsr-3263	48	18	2007	2007	NUM
fsr-3263	48	19	)	)	PUNCT
fsr-3263	48	20	.	.	PUNCT
fsr-3263	49	1	brehm	brehm	PROPN
fsr-3263	49	2	and	and	CCONJ
fsr-3263	49	3	rahn	rahn	PROPN
fsr-3263	49	4	(	(	PUNCT
fsr-3263	49	5	1997	1997	NUM
fsr-3263	49	6	)	)	PUNCT
fsr-3263	49	7	argue	argue	VERB
fsr-3263	49	8	that	that	SCONJ
fsr-3263	49	9	experiences	experience	NOUN
fsr-3263	49	10	with	with	ADP
fsr-3263	49	11	discrimination	discrimination	NOUN
fsr-3263	49	12	may	may	AUX
fsr-3263	49	13	explain	explain	VERB
fsr-3263	49	14	the	the	DET
fsr-3263	49	15	pervasiveness	pervasiveness	NOUN
fsr-3263	49	16	of	of	ADP
fsr-3263	49	17	low	low	ADJ
fsr-3263	49	18	trust	trust	NOUN
fsr-3263	49	19	among	among	ADP
fsr-3263	49	20	black	black	ADJ
fsr-3263	49	21	households	household	NOUN
fsr-3263	49	22	.	.	PUNCT
fsr-3263	50	1	discriminatory	discriminatory	ADJ
fsr-3263	50	2	practices	practice	NOUN
fsr-3263	50	3	from	from	ADP
fsr-3263	50	4	agents	agent	NOUN
fsr-3263	50	5	within	within	ADP
fsr-3263	50	6	the	the	DET
fsr-3263	50	7	financial	financial	ADJ
fsr-3263	50	8	and	and	CCONJ
fsr-3263	50	9	capital	capital	NOUN
fsr-3263	50	10	markets	market	NOUN
fsr-3263	50	11	,	,	PUNCT
fsr-3263	50	12	combined	combine	VERB
fsr-3263	50	13	with	with	ADP
fsr-3263	50	14	a	a	DET
fsr-3263	50	15	history	history	NOUN
fsr-3263	50	16	of	of	ADP
fsr-3263	50	17	restricted	restricted	ADJ
fsr-3263	50	18	access	access	NOUN
fsr-3263	50	19	to	to	ADP
fsr-3263	50	20	these	these	DET
fsr-3263	50	21	markets	market	NOUN
fsr-3263	50	22	,	,	PUNCT
fsr-3263	50	23	may	may	AUX
fsr-3263	50	24	lead	lead	VERB
fsr-3263	50	25	to	to	ADP
fsr-3263	50	26	a	a	DET
fsr-3263	50	27	negative	negative	ADJ
fsr-3263	50	28	perception	perception	NOUN
fsr-3263	50	29	by	by	ADP
fsr-3263	50	30	minority	minority	NOUN
fsr-3263	50	31	families	family	NOUN
fsr-3263	50	32	of	of	ADP
fsr-3263	50	33	all	all	DET
fsr-3263	50	34	agents	agent	NOUN
fsr-3263	50	35	and	and	CCONJ
fsr-3263	50	36	the	the	DET
fsr-3263	50	37	products	product	NOUN
fsr-3263	50	38	they	they	PRON
fsr-3263	50	39	sell	sell	VERB
fsr-3263	50	40	.	.	PUNCT
fsr-3263	51	1	for	for	ADP
fsr-3263	51	2	example	example	NOUN
fsr-3263	51	3	,	,	PUNCT
fsr-3263	51	4	in	in	ADP
fsr-3263	51	5	the	the	DET
fsr-3263	51	6	early	early	ADJ
fsr-3263	51	7	part	part	NOUN
fsr-3263	51	8	of	of	ADP
fsr-3263	51	9	the	the	DET
fsr-3263	51	10	20th	20th	ADJ
fsr-3263	51	11	century	century	NOUN
fsr-3263	51	12	major	major	ADJ
fsr-3263	51	13	life	life	NOUN
fsr-3263	51	14	insurance	insurance	NOUN
fsr-3263	51	15	companies	company	NOUN
fsr-3263	51	16	excluded	exclude	VERB
fsr-3263	51	17	black	black	ADJ
fsr-3263	51	18	customers	customer	NOUN
fsr-3263	51	19	or	or	CCONJ
fsr-3263	51	20	set	set	VERB
fsr-3263	51	21	discriminatory	discriminatory	ADJ
fsr-3263	51	22	rates	rate	NOUN
fsr-3263	51	23	(	(	PUNCT
fsr-3263	51	24	weems	weem	NOUN
fsr-3263	51	25	,	,	PUNCT
fsr-3263	51	26	1996	1996	NUM
fsr-3263	51	27	)	)	PUNCT
fsr-3263	51	28	.	.	PUNCT
fsr-3263	52	1	as	as	ADP
fsr-3263	52	2	a	a	DET
fsr-3263	52	3	result	result	NOUN
fsr-3263	52	4	,	,	PUNCT
fsr-3263	52	5	blackowned	blackowne	VERB
fsr-3263	52	6	insurance	insurance	NOUN
fsr-3263	52	7	companies	company	NOUN
fsr-3263	52	8	began	begin	VERB
fsr-3263	52	9	selling	sell	VERB
fsr-3263	52	10	cash	cash	NOUN
fsr-3263	52	11	value	value	NOUN
fsr-3263	52	12	burial	burial	NOUN
fsr-3263	52	13	policies	policy	NOUN
fsr-3263	52	14	to	to	PART
fsr-3263	52	15	provide	provide	VERB
fsr-3263	52	16	affordable	affordable	ADJ
fsr-3263	52	17	life	life	NOUN
fsr-3263	52	18	insurance	insurance	NOUN
fsr-3263	52	19	coverage	coverage	NOUN
fsr-3263	52	20	for	for	ADP
fsr-3263	52	21	working	work	VERB
fsr-3263	52	22	class	class	NOUN
fsr-3263	52	23	black	black	ADJ
fsr-3263	52	24	families	family	NOUN
fsr-3263	52	25	(	(	PUNCT
fsr-3263	52	26	weems	weem	NOUN
fsr-3263	52	27	,	,	PUNCT
fsr-3263	52	28	1996	1996	NUM
fsr-3263	52	29	)	)	PUNCT
fsr-3263	52	30	.	.	PUNCT
fsr-3263	53	1	3	3	X
fsr-3263	53	2	.	.	X
fsr-3263	53	3	data	datum	NOUN
fsr-3263	53	4	we	we	PRON
fsr-3263	53	5	use	use	VERB
fsr-3263	53	6	the	the	DET
fsr-3263	53	7	1992	1992	NUM
fsr-3263	53	8	,	,	PUNCT
fsr-3263	53	9	1995	1995	NUM
fsr-3263	53	10	,	,	PUNCT
fsr-3263	53	11	1998	1998	NUM
fsr-3263	53	12	,	,	PUNCT
fsr-3263	53	13	2001	2001	NUM
fsr-3263	53	14	,	,	PUNCT
fsr-3263	53	15	2004	2004	NUM
fsr-3263	53	16	,	,	PUNCT
fsr-3263	53	17	2007	2007	NUM
fsr-3263	53	18	,	,	PUNCT
fsr-3263	53	19	and	and	CCONJ
fsr-3263	53	20	2010	2010	NUM
fsr-3263	53	21	scf	scf	NOUN
fsr-3263	53	22	for	for	ADP
fsr-3263	53	23	our	our	PRON
fsr-3263	53	24	analysis	analysis	NOUN
fsr-3263	53	25	.	.	PUNCT
fsr-3263	54	1	the	the	DET
fsr-3263	54	2	scf	scf	PROPN
fsr-3263	54	3	is	be	AUX
fsr-3263	54	4	a	a	DET
fsr-3263	54	5	triennial	triennial	ADJ
fsr-3263	54	6	cross	cross	ADJ
fsr-3263	54	7	-	-	ADJ
fsr-3263	54	8	sectional	sectional	ADJ
fsr-3263	54	9	survey	survey	NOUN
fsr-3263	54	10	that	that	PRON
fsr-3263	54	11	provides	provide	VERB
fsr-3263	54	12	detailed	detailed	ADJ
fsr-3263	54	13	financial	financial	ADJ
fsr-3263	54	14	information	information	NOUN
fsr-3263	54	15	on	on	ADP
fsr-3263	54	16	u.s	u.s	PROPN
fsr-3263	54	17	.	.	PROPN
fsr-3263	54	18	households	household	NOUN
fsr-3263	54	19	.	.	PUNCT
fsr-3263	55	1	it	it	PRON
fsr-3263	55	2	contains	contain	VERB
fsr-3263	55	3	the	the	DET
fsr-3263	55	4	most	most	ADV
fsr-3263	55	5	detailed	detailed	ADJ
fsr-3263	55	6	balance	balance	NOUN
fsr-3263	55	7	sheet	sheet	NOUN
fsr-3263	55	8	information	information	NOUN
fsr-3263	55	9	of	of	ADP
fsr-3263	55	10	any	any	DET
fsr-3263	55	11	publicly	publicly	ADV
fsr-3263	55	12	available	available	ADJ
fsr-3263	55	13	nationally	nationally	ADV
fsr-3263	55	14	representative	representative	ADJ
fsr-3263	55	15	dataset	dataset	NOUN
fsr-3263	55	16	(	(	PUNCT
fsr-3263	55	17	campbell	campbell	PROPN
fsr-3263	55	18	,	,	PUNCT
fsr-3263	55	19	2006	2006	NUM
fsr-3263	55	20	)	)	PUNCT
fsr-3263	55	21	.	.	PUNCT
fsr-3263	56	1	it	it	PRON
fsr-3263	56	2	is	be	AUX
fsr-3263	56	3	sponsored	sponsor	VERB
fsr-3263	56	4	by	by	ADP
fsr-3263	56	5	the	the	DET
fsr-3263	56	6	united	united	PROPN
fsr-3263	56	7	states	states	PROPN
fsr-3263	56	8	federal	federal	PROPN
fsr-3263	56	9	reserve	reserve	PROPN
fsr-3263	56	10	board	board	PROPN
fsr-3263	56	11	in	in	ADP
fsr-3263	56	12	conjunction	conjunction	NOUN
fsr-3263	56	13	with	with	ADP
fsr-3263	56	14	the	the	DET
fsr-3263	56	15	department	department	NOUN
fsr-3263	56	16	of	of	ADP
fsr-3263	56	17	the	the	DET
fsr-3263	56	18	treasury	treasury	PROPN
fsr-3263	56	19	and	and	CCONJ
fsr-3263	56	20	other	other	ADJ
fsr-3263	56	21	governmental	governmental	ADJ
fsr-3263	56	22	agencies	agency	NOUN
fsr-3263	56	23	.	.	PUNCT
fsr-3263	57	1	since	since	SCONJ
fsr-3263	57	2	the	the	DET
fsr-3263	57	3	scf	scf	PROPN
fsr-3263	57	4	oversamples	oversample	NOUN
fsr-3263	57	5	wealthy	wealthy	ADJ
fsr-3263	57	6	households	household	NOUN
fsr-3263	57	7	,	,	PUNCT
fsr-3263	57	8	the	the	DET
fsr-3263	57	9	descriptive	descriptive	ADJ
fsr-3263	57	10	statistics	statistic	NOUN
fsr-3263	57	11	in	in	ADP
fsr-3263	57	12	our	our	PRON
fsr-3263	57	13	analysis	analysis	NOUN
fsr-3263	57	14	are	be	AUX
fsr-3263	57	15	weighted	weight	VERB
fsr-3263	57	16	to	to	PART
fsr-3263	57	17	generalize	generalize	VERB
fsr-3263	57	18	to	to	ADP
fsr-3263	57	19	a	a	DET
fsr-3263	57	20	nationally	nationally	ADV
fsr-3263	57	21	representative	representative	ADJ
fsr-3263	57	22	population	population	NOUN
fsr-3263	57	23	(	(	PUNCT
fsr-3263	57	24	kennickell	kennickell	PROPN
fsr-3263	57	25	&	&	CCONJ
fsr-3263	57	26	woodburn	woodburn	PROPN
fsr-3263	57	27	,	,	PUNCT
fsr-3263	57	28	1997	1997	NUM
fsr-3263	57	29	)	)	PUNCT
fsr-3263	57	30	.	.	PUNCT
fsr-3263	58	1	the	the	DET
fsr-3263	58	2	total	total	ADJ
fsr-3263	58	3	sample	sample	NOUN
fsr-3263	58	4	size	size	NOUN
fsr-3263	58	5	over	over	ADP
fsr-3263	58	6	the	the	DET
fsr-3263	58	7	time	time	NOUN
fsr-3263	58	8	period	period	NOUN
fsr-3263	58	9	was	be	AUX
fsr-3263	58	10	32,371	32,371	NUM
fsr-3263	58	11	.	.	PUNCT
fsr-3263	59	1	39m.a	39m.a	NUM
fsr-3263	59	2	.	.	PUNCT
fsr-3263	59	3	guillemette	guillemette	NOUN
fsr-3263	59	4	et	et	PROPN
fsr-3263	59	5	al	al	PROPN
fsr-3263	59	6	.	.	PUNCT
fsr-3263	59	7	/	/	SYM
fsr-3263	59	8	financial	financial	ADJ
fsr-3263	59	9	services	service	NOUN
fsr-3263	59	10	review	review	VERB
fsr-3263	59	11	24	24	NUM
fsr-3263	59	12	(	(	PUNCT
fsr-3263	59	13	2015	2015	NUM
fsr-3263	59	14	)	)	PUNCT
fsr-3263	59	15	37–50	37–50	NUM
fsr-3263	59	16	there	there	PRON
fsr-3263	59	17	are	be	VERB
fsr-3263	59	18	several	several	ADJ
fsr-3263	59	19	factors	factor	NOUN
fsr-3263	59	20	that	that	PRON
fsr-3263	59	21	have	have	AUX
fsr-3263	59	22	been	be	AUX
fsr-3263	59	23	found	find	VERB
fsr-3263	59	24	to	to	PART
fsr-3263	59	25	influence	influence	VERB
fsr-3263	59	26	the	the	DET
fsr-3263	59	27	decision	decision	NOUN
fsr-3263	59	28	to	to	PART
fsr-3263	59	29	purchase	purchase	VERB
fsr-3263	59	30	life	life	NOUN
fsr-3263	59	31	insurance	insurance	NOUN
fsr-3263	59	32	.	.	PUNCT
fsr-3263	60	1	the	the	DET
fsr-3263	60	2	presence	presence	NOUN
fsr-3263	60	3	of	of	ADP
fsr-3263	60	4	a	a	DET
fsr-3263	60	5	spouse	spouse	NOUN
fsr-3263	60	6	may	may	AUX
fsr-3263	60	7	increase	increase	VERB
fsr-3263	60	8	the	the	DET
fsr-3263	60	9	demand	demand	NOUN
fsr-3263	60	10	for	for	ADP
fsr-3263	60	11	life	life	NOUN
fsr-3263	60	12	insurance	insurance	NOUN
fsr-3263	60	13	as	as	ADP
fsr-3263	60	14	the	the	DET
fsr-3263	60	15	purpose	purpose	NOUN
fsr-3263	60	16	of	of	ADP
fsr-3263	60	17	life	life	NOUN
fsr-3263	60	18	insurance	insurance	NOUN
fsr-3263	60	19	is	be	AUX
fsr-3263	60	20	human	human	ADJ
fsr-3263	60	21	capital	capital	NOUN
fsr-3263	60	22	replacement	replacement	NOUN
fsr-3263	60	23	for	for	ADP
fsr-3263	60	24	an	an	DET
fsr-3263	60	25	individual	individual	NOUN
fsr-3263	60	26	with	with	ADP
fsr-3263	60	27	insurable	insurable	ADJ
fsr-3263	60	28	interest	interest	NOUN
fsr-3263	60	29	.	.	PUNCT
fsr-3263	61	1	truett	truett	NOUN
fsr-3263	61	2	and	and	CCONJ
fsr-3263	61	3	truett	truett	NOUN
fsr-3263	61	4	(	(	PUNCT
fsr-3263	61	5	1990	1990	NUM
fsr-3263	61	6	)	)	PUNCT
fsr-3263	61	7	find	find	VERB
fsr-3263	61	8	age	age	NOUN
fsr-3263	61	9	,	,	PUNCT
fsr-3263	61	10	income	income	NOUN
fsr-3263	61	11	,	,	PUNCT
fsr-3263	61	12	and	and	CCONJ
fsr-3263	61	13	education	education	NOUN
fsr-3263	61	14	level	level	NOUN
fsr-3263	61	15	affect	affect	VERB
fsr-3263	61	16	the	the	DET
fsr-3263	61	17	demand	demand	NOUN
fsr-3263	61	18	for	for	ADP
fsr-3263	61	19	life	life	NOUN
fsr-3263	61	20	insurance	insurance	NOUN
fsr-3263	61	21	.	.	PUNCT
fsr-3263	62	1	because	because	SCONJ
fsr-3263	62	2	human	human	ADJ
fsr-3263	62	3	capital	capital	NOUN
fsr-3263	62	4	declines	decline	VERB
fsr-3263	62	5	with	with	ADP
fsr-3263	62	6	age	age	NOUN
fsr-3263	62	7	,	,	PUNCT
fsr-3263	62	8	age	age	NOUN
fsr-3263	62	9	should	should	AUX
fsr-3263	62	10	be	be	AUX
fsr-3263	62	11	negatively	negatively	ADV
fsr-3263	62	12	associated	associate	VERB
fsr-3263	62	13	with	with	ADP
fsr-3263	62	14	the	the	DET
fsr-3263	62	15	likelihood	likelihood	NOUN
fsr-3263	62	16	of	of	ADP
fsr-3263	62	17	owning	own	VERB
fsr-3263	62	18	life	life	NOUN
fsr-3263	62	19	insurance	insurance	NOUN
fsr-3263	62	20	.	.	PUNCT
fsr-3263	63	1	a	a	DET
fsr-3263	63	2	bachelor	bachelor	NOUN
fsr-3263	63	3	’s	’s	PART
fsr-3263	63	4	degree	degree	NOUN
fsr-3263	63	5	is	be	AUX
fsr-3263	63	6	a	a	DET
fsr-3263	63	7	human	human	ADJ
fsr-3263	63	8	capital	capital	NOUN
fsr-3263	63	9	signal	signal	NOUN
fsr-3263	63	10	that	that	SCONJ
fsr-3263	63	11	proxies	proxy	NOUN
fsr-3263	63	12	for	for	ADP
fsr-3263	63	13	a	a	DET
fsr-3263	63	14	steeper	steep	ADJ
fsr-3263	63	15	earnings	earning	NOUN
fsr-3263	63	16	path	path	NOUN
fsr-3263	63	17	that	that	PRON
fsr-3263	63	18	should	should	AUX
fsr-3263	63	19	increase	increase	VERB
fsr-3263	63	20	the	the	DET
fsr-3263	63	21	likelihood	likelihood	NOUN
fsr-3263	63	22	of	of	ADP
fsr-3263	63	23	owning	own	VERB
fsr-3263	63	24	life	life	NOUN
fsr-3263	63	25	insurance	insurance	NOUN
fsr-3263	63	26	.	.	PUNCT
fsr-3263	64	1	there	there	PRON
fsr-3263	64	2	is	be	VERB
fsr-3263	64	3	evidence	evidence	NOUN
fsr-3263	64	4	that	that	SCONJ
fsr-3263	64	5	the	the	DET
fsr-3263	64	6	demand	demand	NOUN
fsr-3263	64	7	for	for	ADP
fsr-3263	64	8	life	life	NOUN
fsr-3263	64	9	insurance	insurance	NOUN
fsr-3263	64	10	is	be	AUX
fsr-3263	64	11	positively	positively	ADV
fsr-3263	64	12	related	relate	VERB
fsr-3263	64	13	to	to	ADP
fsr-3263	64	14	the	the	DET
fsr-3263	64	15	number	number	NOUN
fsr-3263	64	16	of	of	ADP
fsr-3263	64	17	dependents	dependent	NOUN
fsr-3263	64	18	in	in	ADP
fsr-3263	64	19	a	a	DET
fsr-3263	64	20	household	household	NOUN
fsr-3263	64	21	(	(	PUNCT
fsr-3263	64	22	burnett	burnett	PROPN
fsr-3263	64	23	&	&	CCONJ
fsr-3263	64	24	palmer	palmer	PROPN
fsr-3263	64	25	,	,	PUNCT
fsr-3263	64	26	1984	1984	NUM
fsr-3263	64	27	;	;	PUNCT
fsr-3263	64	28	hammond	hammond	PROPN
fsr-3263	64	29	,	,	PUNCT
fsr-3263	64	30	houston	houston	PROPN
fsr-3263	64	31	,	,	PUNCT
fsr-3263	64	32	&	&	CCONJ
fsr-3263	64	33	melander	melander	NOUN
fsr-3263	64	34	,	,	PUNCT
fsr-3263	64	35	1967	1967	NUM
fsr-3263	64	36	)	)	PUNCT
fsr-3263	64	37	.	.	PUNCT
fsr-3263	65	1	a	a	DET
fsr-3263	65	2	large	large	ADJ
fsr-3263	65	3	amount	amount	NOUN
fsr-3263	65	4	of	of	ADP
fsr-3263	65	5	liquid	liquid	ADJ
fsr-3263	65	6	assets	asset	NOUN
fsr-3263	65	7	may	may	AUX
fsr-3263	65	8	decrease	decrease	VERB
fsr-3263	65	9	demand	demand	NOUN
fsr-3263	65	10	because	because	SCONJ
fsr-3263	65	11	of	of	ADP
fsr-3263	65	12	the	the	DET
fsr-3263	65	13	ability	ability	NOUN
fsr-3263	65	14	to	to	PART
fsr-3263	65	15	self	self	NOUN
fsr-3263	65	16	-	-	PUNCT
fsr-3263	65	17	insure	insure	NOUN
fsr-3263	65	18	.	.	PUNCT
fsr-3263	66	1	campbell	campbell	PROPN
fsr-3263	66	2	(	(	PUNCT
fsr-3263	66	3	1980	1980	NUM
fsr-3263	66	4	)	)	PUNCT
fsr-3263	66	5	finds	find	VERB
fsr-3263	66	6	that	that	SCONJ
fsr-3263	66	7	accumulated	accumulate	VERB
fsr-3263	66	8	household	household	NOUN
fsr-3263	66	9	wealth	wealth	NOUN
fsr-3263	66	10	acts	act	VERB
fsr-3263	66	11	as	as	ADP
fsr-3263	66	12	a	a	DET
fsr-3263	66	13	substitute	substitute	NOUN
fsr-3263	66	14	for	for	ADP
fsr-3263	66	15	life	life	NOUN
fsr-3263	66	16	insurance	insurance	NOUN
fsr-3263	66	17	.	.	PUNCT
fsr-3263	67	1	self	self	NOUN
fsr-3263	67	2	-	-	PUNCT
fsr-3263	67	3	employed	employ	VERB
fsr-3263	67	4	individuals	individual	NOUN
fsr-3263	67	5	do	do	AUX
fsr-3263	67	6	not	not	PART
fsr-3263	67	7	have	have	VERB
fsr-3263	67	8	access	access	NOUN
fsr-3263	67	9	to	to	ADP
fsr-3263	67	10	employer	employer	NOUN
fsr-3263	67	11	-	-	PUNCT
fsr-3263	67	12	provided	provide	VERB
fsr-3263	67	13	group	group	NOUN
fsr-3263	67	14	life	life	NOUN
fsr-3263	67	15	insurance	insurance	NOUN
fsr-3263	67	16	which	which	PRON
fsr-3263	67	17	may	may	AUX
fsr-3263	67	18	reduce	reduce	VERB
fsr-3263	67	19	the	the	DET
fsr-3263	67	20	likelihood	likelihood	NOUN
fsr-3263	67	21	of	of	ADP
fsr-3263	67	22	ownership	ownership	NOUN
fsr-3263	67	23	.	.	PUNCT
fsr-3263	68	1	households	household	NOUN
fsr-3263	68	2	that	that	PRON
fsr-3263	68	3	are	be	AUX
fsr-3263	68	4	currently	currently	ADV
fsr-3263	68	5	unemployed	unemployed	ADJ
fsr-3263	68	6	may	may	AUX
fsr-3263	68	7	lose	lose	VERB
fsr-3263	68	8	access	access	NOUN
fsr-3263	68	9	to	to	ADP
fsr-3263	68	10	employer	employer	NOUN
fsr-3263	68	11	-	-	PUNCT
fsr-3263	68	12	provided	provide	VERB
fsr-3263	68	13	life	life	NOUN
fsr-3263	68	14	insurance	insurance	NOUN
fsr-3263	68	15	if	if	SCONJ
fsr-3263	68	16	the	the	DET
fsr-3263	68	17	coverage	coverage	NOUN
fsr-3263	68	18	is	be	AUX
fsr-3263	68	19	not	not	PART
fsr-3263	68	20	portable	portable	ADJ
fsr-3263	68	21	,	,	PUNCT
fsr-3263	68	22	which	which	PRON
fsr-3263	68	23	may	may	AUX
fsr-3263	68	24	reduce	reduce	VERB
fsr-3263	68	25	the	the	DET
fsr-3263	68	26	likelihood	likelihood	NOUN
fsr-3263	68	27	of	of	ADP
fsr-3263	68	28	ownership	ownership	NOUN
fsr-3263	68	29	.	.	PUNCT
fsr-3263	69	1	campbell	campbell	PROPN
fsr-3263	69	2	(	(	PUNCT
fsr-3263	69	3	1980	1980	NUM
fsr-3263	69	4	)	)	PUNCT
fsr-3263	69	5	finds	find	VERB
fsr-3263	69	6	bequests	bequest	NOUN
fsr-3263	69	7	to	to	PART
fsr-3263	69	8	be	be	AUX
fsr-3263	69	9	positively	positively	ADV
fsr-3263	69	10	associated	associate	VERB
fsr-3263	69	11	with	with	ADP
fsr-3263	69	12	the	the	DET
fsr-3263	69	13	demand	demand	NOUN
fsr-3263	69	14	for	for	ADP
fsr-3263	69	15	life	life	NOUN
fsr-3263	69	16	insurance	insurance	NOUN
fsr-3263	69	17	.	.	PUNCT
fsr-3263	70	1	planning	plan	VERB
fsr-3263	70	2	to	to	PART
fsr-3263	70	3	leave	leave	VERB
fsr-3263	70	4	a	a	DET
fsr-3263	70	5	sizable	sizable	ADJ
fsr-3263	70	6	estate	estate	NOUN
fsr-3263	70	7	may	may	AUX
fsr-3263	70	8	also	also	ADV
fsr-3263	70	9	increase	increase	VERB
fsr-3263	70	10	the	the	DET
fsr-3263	70	11	demand	demand	NOUN
fsr-3263	70	12	for	for	ADP
fsr-3263	70	13	life	life	NOUN
fsr-3263	70	14	insurance	insurance	NOUN
fsr-3263	70	15	,	,	PUNCT
fsr-3263	70	16	particularly	particularly	ADV
fsr-3263	70	17	for	for	ADP
fsr-3263	70	18	cash	cash	NOUN
fsr-3263	70	19	value	value	NOUN
fsr-3263	70	20	polices	police	NOUN
fsr-3263	70	21	.	.	PUNCT
fsr-3263	71	1	in	in	ADP
fsr-3263	71	2	terms	term	NOUN
fsr-3263	71	3	of	of	ADP
fsr-3263	71	4	premium	premium	NOUN
fsr-3263	71	5	pricing	pricing	NOUN
fsr-3263	71	6	,	,	PUNCT
fsr-3263	71	7	a	a	DET
fsr-3263	71	8	respondent	respondent	NOUN
fsr-3263	71	9	who	who	PRON
fsr-3263	71	10	indicates	indicate	VERB
fsr-3263	71	11	that	that	SCONJ
fsr-3263	71	12	they	they	PRON
fsr-3263	71	13	are	be	AUX
fsr-3263	71	14	in	in	ADP
fsr-3263	71	15	fair	fair	ADJ
fsr-3263	71	16	or	or	CCONJ
fsr-3263	71	17	poor	poor	ADJ
fsr-3263	71	18	health	health	NOUN
fsr-3263	71	19	should	should	AUX
fsr-3263	71	20	have	have	VERB
fsr-3263	71	21	a	a	DET
fsr-3263	71	22	relatively	relatively	ADV
fsr-3263	71	23	higher	high	ADJ
fsr-3263	71	24	premium	premium	NOUN
fsr-3263	71	25	payment	payment	NOUN
fsr-3263	71	26	than	than	ADP
fsr-3263	71	27	someone	someone	PRON
fsr-3263	71	28	who	who	PRON
fsr-3263	71	29	indicates	indicate	VERB
fsr-3263	71	30	good	good	ADJ
fsr-3263	71	31	or	or	CCONJ
fsr-3263	71	32	excellent	excellent	ADJ
fsr-3263	71	33	health	health	NOUN
fsr-3263	71	34	.	.	PUNCT
fsr-3263	72	1	females	female	NOUN
fsr-3263	72	2	have	have	VERB
fsr-3263	72	3	a	a	DET
fsr-3263	72	4	longer	long	ADJ
fsr-3263	72	5	life	life	NOUN
fsr-3263	72	6	expectancy	expectancy	NOUN
fsr-3263	72	7	compared	compare	VERB
fsr-3263	72	8	to	to	ADP
fsr-3263	72	9	males	male	NOUN
fsr-3263	72	10	,	,	PUNCT
fsr-3263	72	11	decreasing	decrease	VERB
fsr-3263	72	12	the	the	DET
fsr-3263	72	13	cost	cost	NOUN
fsr-3263	72	14	of	of	ADP
fsr-3263	72	15	a	a	DET
fsr-3263	72	16	policy	policy	NOUN
fsr-3263	72	17	covering	cover	VERB
fsr-3263	72	18	females	female	NOUN
fsr-3263	72	19	.	.	PUNCT
fsr-3263	73	1	finally	finally	ADV
fsr-3263	73	2	,	,	PUNCT
fsr-3263	73	3	individual	individual	ADJ
fsr-3263	73	4	risk	risk	NOUN
fsr-3263	73	5	preferences	preference	NOUN
fsr-3263	73	6	should	should	AUX
fsr-3263	73	7	influence	influence	VERB
fsr-3263	73	8	the	the	DET
fsr-3263	73	9	demand	demand	NOUN
fsr-3263	73	10	for	for	ADP
fsr-3263	73	11	life	life	NOUN
fsr-3263	73	12	insurance	insurance	NOUN
fsr-3263	73	13	ownership	ownership	NOUN
fsr-3263	73	14	.	.	PUNCT
fsr-3263	74	1	4	4	X
fsr-3263	74	2	.	.	X
fsr-3263	74	3	descriptive	descriptive	ADJ
fsr-3263	74	4	statistics	statistic	NOUN
fsr-3263	74	5	table	table	NOUN
fsr-3263	74	6	1	1	NUM
fsr-3263	74	7	displays	display	VERB
fsr-3263	74	8	the	the	DET
fsr-3263	74	9	ownership	ownership	NOUN
fsr-3263	74	10	percentages	percentage	NOUN
fsr-3263	74	11	of	of	ADP
fsr-3263	74	12	life	life	NOUN
fsr-3263	74	13	insurance	insurance	NOUN
fsr-3263	74	14	based	base	VERB
fsr-3263	74	15	on	on	ADP
fsr-3263	74	16	race	race	NOUN
fsr-3263	74	17	and	and	CCONJ
fsr-3263	74	18	household	household	NOUN
fsr-3263	74	19	size	size	NOUN
fsr-3263	74	20	.	.	PUNCT
fsr-3263	75	1	life	life	NOUN
fsr-3263	75	2	insurance	insurance	NOUN
fsr-3263	75	3	ownership	ownership	NOUN
fsr-3263	75	4	declines	decline	VERB
fsr-3263	75	5	for	for	ADP
fsr-3263	75	6	black	black	ADJ
fsr-3263	75	7	households	household	NOUN
fsr-3263	75	8	as	as	SCONJ
fsr-3263	75	9	they	they	PRON
fsr-3263	75	10	move	move	VERB
fsr-3263	75	11	from	from	ADP
fsr-3263	75	12	a	a	DET
fsr-3263	75	13	household	household	NOUN
fsr-3263	75	14	size	size	NOUN
fsr-3263	75	15	of	of	ADP
fsr-3263	75	16	one	one	NUM
fsr-3263	75	17	,	,	PUNCT
fsr-3263	75	18	three	three	NUM
fsr-3263	75	19	,	,	PUNCT
fsr-3263	75	20	five	five	NUM
fsr-3263	75	21	,	,	PUNCT
fsr-3263	75	22	or	or	CCONJ
fsr-3263	75	23	more	more	ADJ
fsr-3263	75	24	members	member	NOUN
fsr-3263	75	25	.	.	PUNCT
fsr-3263	76	1	that	that	DET
fsr-3263	76	2	trend	trend	NOUN
fsr-3263	76	3	is	be	AUX
fsr-3263	76	4	not	not	PART
fsr-3263	76	5	evident	evident	ADJ
fsr-3263	76	6	for	for	ADP
fsr-3263	76	7	any	any	DET
fsr-3263	76	8	other	other	ADJ
fsr-3263	76	9	racial	racial	ADJ
fsr-3263	76	10	groups	group	NOUN
fsr-3263	76	11	.	.	PUNCT
fsr-3263	77	1	table	table	NOUN
fsr-3263	77	2	2	2	NUM
fsr-3263	77	3	shows	show	VERB
fsr-3263	77	4	the	the	DET
fsr-3263	77	5	median	median	ADJ
fsr-3263	77	6	face	face	NOUN
fsr-3263	77	7	value	value	NOUN
fsr-3263	77	8	amounts	amount	NOUN
fsr-3263	77	9	of	of	ADP
fsr-3263	77	10	term	term	NOUN
fsr-3263	77	11	life	life	NOUN
fsr-3263	77	12	insurance	insurance	NOUN
fsr-3263	77	13	held	hold	VERB
fsr-3263	77	14	by	by	ADP
fsr-3263	77	15	those	those	PRON
fsr-3263	77	16	who	who	PRON
fsr-3263	77	17	own	own	VERB
fsr-3263	77	18	term	term	NOUN
fsr-3263	77	19	life	life	NOUN
fsr-3263	77	20	products	product	NOUN
fsr-3263	77	21	,	,	PUNCT
fsr-3263	77	22	sorted	sort	VERB
fsr-3263	77	23	by	by	ADP
fsr-3263	77	24	race	race	NOUN
fsr-3263	77	25	and	and	CCONJ
fsr-3263	77	26	household	household	NOUN
fsr-3263	77	27	size	size	NOUN
fsr-3263	77	28	.	.	PUNCT
fsr-3263	78	1	table	table	NOUN
fsr-3263	78	2	3	3	NUM
fsr-3263	78	3	displays	display	VERB
fsr-3263	78	4	the	the	DET
fsr-3263	78	5	median	median	ADJ
fsr-3263	78	6	face	face	NOUN
fsr-3263	78	7	value	value	NOUN
fsr-3263	78	8	amounts	amount	NOUN
fsr-3263	78	9	of	of	ADP
fsr-3263	78	10	cash	cash	NOUN
fsr-3263	78	11	value	value	NOUN
fsr-3263	78	12	life	life	NOUN
fsr-3263	78	13	insurance	insurance	NOUN
fsr-3263	78	14	held	hold	VERB
fsr-3263	78	15	by	by	ADP
fsr-3263	78	16	those	those	PRON
fsr-3263	78	17	who	who	PRON
fsr-3263	78	18	own	own	VERB
fsr-3263	78	19	cash	cash	NOUN
fsr-3263	78	20	value	value	NOUN
fsr-3263	78	21	life	life	NOUN
fsr-3263	78	22	products	product	NOUN
fsr-3263	78	23	,	,	PUNCT
fsr-3263	78	24	also	also	ADV
fsr-3263	78	25	sorted	sort	VERB
fsr-3263	78	26	by	by	ADP
fsr-3263	78	27	race	race	NOUN
fsr-3263	78	28	and	and	CCONJ
fsr-3263	78	29	household	household	NOUN
fsr-3263	78	30	size	size	NOUN
fsr-3263	78	31	.	.	PUNCT
fsr-3263	79	1	in	in	ADP
fsr-3263	79	2	the	the	DET
fsr-3263	79	3	larger	large	ADJ
fsr-3263	79	4	household	household	NOUN
fsr-3263	79	5	size	size	NOUN
fsr-3263	79	6	categories	category	NOUN
fsr-3263	79	7	,	,	PUNCT
fsr-3263	79	8	only	only	ADV
fsr-3263	79	9	table	table	NOUN
fsr-3263	79	10	1	1	NUM
fsr-3263	79	11	ownership	ownership	NOUN
fsr-3263	79	12	of	of	ADP
fsr-3263	79	13	life	life	NOUN
fsr-3263	79	14	insurance	insurance	NOUN
fsr-3263	79	15	by	by	ADP
fsr-3263	79	16	race	race	NOUN
fsr-3263	79	17	and	and	CCONJ
fsr-3263	79	18	household	household	NOUN
fsr-3263	79	19	size	size	NOUN
fsr-3263	79	20	(	(	PUNCT
fsr-3263	79	21	1992–2010	1992–2010	NUM
fsr-3263	79	22	scf	scf	PROPN
fsr-3263	79	23	)	)	PUNCT
fsr-3263	79	24	household	household	NOUN
fsr-3263	79	25	size	size	NOUN
fsr-3263	79	26	black	black	ADJ
fsr-3263	79	27	hispanic	hispanic	ADJ
fsr-3263	79	28	other	other	ADJ
fsr-3263	79	29	white	white	ADJ
fsr-3263	79	30	1	1	NUM
fsr-3263	79	31	11.73	11.73	NUM
fsr-3263	79	32	%	%	NOUN
fsr-3263	79	33	*	*	PUNCT
fsr-3263	79	34	*	*	PUNCT
fsr-3263	80	1	2.75	2.75	NUM
fsr-3263	80	2	%	%	NOUN
fsr-3263	80	3	*	*	PUNCT
fsr-3263	80	4	*	*	PROPN
fsr-3263	80	5	27.55	27.55	NUM
fsr-3263	80	6	%	%	NOUN
fsr-3263	80	7	*	*	PUNCT
fsr-3263	80	8	*	*	PROPN
fsr-3263	80	9	57.97	57.97	NUM
fsr-3263	80	10	%	%	NOUN
fsr-3263	80	11	*	*	PUNCT
fsr-3263	80	12	*	*	NOUN
fsr-3263	80	13	2	2	NUM
fsr-3263	80	14	6.70	6.70	NUM
fsr-3263	80	15	%	%	NOUN
fsr-3263	80	16	*	*	PUNCT
fsr-3263	80	17	*	*	PROPN
fsr-3263	80	18	2.65	2.65	NUM
fsr-3263	80	19	%	%	NOUN
fsr-3263	80	20	*	*	PUNCT
fsr-3263	80	21	*	*	PUNCT
fsr-3263	80	22	28.52	28.52	NUM
fsr-3263	80	23	%	%	NOUN
fsr-3263	80	24	*	*	PUNCT
fsr-3263	80	25	*	*	PUNCT
fsr-3263	80	26	62.13	62.13	NUM
fsr-3263	80	27	%	%	NOUN
fsr-3263	80	28	*	*	PUNCT
fsr-3263	80	29	*	*	NOUN
fsr-3263	80	30	3	3	NUM
fsr-3263	80	31	8.17	8.17	NUM
fsr-3263	80	32	%	%	NOUN
fsr-3263	80	33	*	*	PUNCT
fsr-3263	80	34	*	*	PUNCT
fsr-3263	80	35	5.17	5.17	NUM
fsr-3263	80	36	%	%	NOUN
fsr-3263	80	37	*	*	PUNCT
fsr-3263	80	38	*	*	PUNCT
fsr-3263	80	39	28.80	28.80	NUM
fsr-3263	80	40	%	%	NOUN
fsr-3263	80	41	*	*	PUNCT
fsr-3263	80	42	*	*	PROPN
fsr-3263	80	43	57.86	57.86	NUM
fsr-3263	80	44	%	%	NOUN
fsr-3263	80	45	*	*	PUNCT
fsr-3263	80	46	*	*	NOUN
fsr-3263	80	47	4	4	NUM
fsr-3263	80	48	5.11	5.11	NUM
fsr-3263	80	49	%	%	NOUN
fsr-3263	80	50	*	*	PUNCT
fsr-3263	80	51	*	*	PROPN
fsr-3263	80	52	5.96	5.96	NUM
fsr-3263	80	53	%	%	NOUN
fsr-3263	80	54	*	*	PUNCT
fsr-3263	80	55	*	*	X
fsr-3263	80	56	28.40	28.40	NUM
fsr-3263	80	57	%	%	NOUN
fsr-3263	80	58	*	*	PUNCT
fsr-3263	80	59	*	*	PROPN
fsr-3263	80	60	60.53	60.53	NUM
fsr-3263	80	61	%	%	NOUN
fsr-3263	80	62	*	*	PUNCT
fsr-3263	80	63	*	*	PROPN
fsr-3263	80	64	5	5	NUM
fsr-3263	80	65	�	�	PROPN
fsr-3263	80	66	5.84	5.84	NUM
fsr-3263	80	67	%	%	NOUN
fsr-3263	80	68	*	*	PUNCT
fsr-3263	80	69	*	*	PROPN
fsr-3263	80	70	7.34	7.34	NUM
fsr-3263	80	71	%	%	NOUN
fsr-3263	80	72	*	*	PUNCT
fsr-3263	80	73	*	*	PROPN
fsr-3263	80	74	27.13	27.13	NUM
fsr-3263	80	75	%	%	NOUN
fsr-3263	80	76	*	*	PUNCT
fsr-3263	80	77	*	*	PROPN
fsr-3263	80	78	59.69	59.69	NUM
fsr-3263	80	79	%	%	NOUN
fsr-3263	80	80	*	*	PUNCT
fsr-3263	80	81	*	*	PUNCT
fsr-3263	80	82	*	*	PUNCT
fsr-3263	80	83	p	p	X
fsr-3263	80	84	�	�	PROPN
fsr-3263	80	85	0.05	0.05	NUM
fsr-3263	80	86	;	;	PUNCT
fsr-3263	80	87	*	*	PUNCT
fsr-3263	80	88	*	*	PUNCT
fsr-3263	80	89	p	p	X
fsr-3263	80	90	�	�	PROPN
fsr-3263	80	91	0.01	0.01	NUM
fsr-3263	80	92	.	.	PUNCT
fsr-3263	81	1	40	40	NUM
fsr-3263	81	2	m.a	m.a	PROPN
fsr-3263	81	3	.	.	PROPN
fsr-3263	81	4	guillemette	guillemette	PROPN
fsr-3263	81	5	et	et	PROPN
fsr-3263	81	6	al	al	PROPN
fsr-3263	81	7	.	.	PUNCT
fsr-3263	81	8	/	/	SYM
fsr-3263	81	9	financial	financial	ADJ
fsr-3263	81	10	services	service	NOUN
fsr-3263	81	11	review	review	VERB
fsr-3263	81	12	24	24	NUM
fsr-3263	81	13	(	(	PUNCT
fsr-3263	81	14	2015	2015	NUM
fsr-3263	81	15	)	)	PUNCT
fsr-3263	81	16	37–50	37–50	NUM
fsr-3263	81	17	black	black	ADJ
fsr-3263	81	18	and	and	CCONJ
fsr-3263	81	19	“	"	PUNCT
fsr-3263	81	20	other	other	ADJ
fsr-3263	81	21	”	"	PUNCT
fsr-3263	81	22	races	race	NOUN
fsr-3263	81	23	show	show	VERB
fsr-3263	81	24	a	a	DET
fsr-3263	81	25	decrease	decrease	NOUN
fsr-3263	81	26	in	in	ADP
fsr-3263	81	27	the	the	DET
fsr-3263	81	28	face	face	NOUN
fsr-3263	81	29	value	value	NOUN
fsr-3263	81	30	amount	amount	NOUN
fsr-3263	81	31	of	of	ADP
fsr-3263	81	32	term	term	NOUN
fsr-3263	81	33	life	life	NOUN
fsr-3263	81	34	insurance	insurance	NOUN
fsr-3263	81	35	when	when	SCONJ
fsr-3263	81	36	comparing	compare	VERB
fsr-3263	81	37	a	a	DET
fsr-3263	81	38	household	household	NOUN
fsr-3263	81	39	size	size	NOUN
fsr-3263	81	40	of	of	ADP
fsr-3263	81	41	four	four	NUM
fsr-3263	81	42	to	to	ADP
fsr-3263	81	43	a	a	DET
fsr-3263	81	44	household	household	NOUN
fsr-3263	81	45	size	size	NOUN
fsr-3263	81	46	of	of	ADP
fsr-3263	81	47	five	five	NUM
fsr-3263	81	48	or	or	CCONJ
fsr-3263	81	49	more	more	ADJ
fsr-3263	81	50	.	.	PUNCT
fsr-3263	82	1	for	for	ADP
fsr-3263	82	2	the	the	DET
fsr-3263	82	3	“	"	PUNCT
fsr-3263	82	4	other	other	ADJ
fsr-3263	82	5	”	"	PUNCT
fsr-3263	82	6	race	race	NOUN
fsr-3263	82	7	category	category	NOUN
fsr-3263	82	8	the	the	DET
fsr-3263	82	9	same	same	ADJ
fsr-3263	82	10	trend	trend	NOUN
fsr-3263	82	11	holds	hold	VERB
fsr-3263	82	12	for	for	ADP
fsr-3263	82	13	cash	cash	NOUN
fsr-3263	82	14	value	value	NOUN
fsr-3263	82	15	life	life	NOUN
fsr-3263	82	16	insurance	insurance	NOUN
fsr-3263	82	17	.	.	PUNCT
fsr-3263	83	1	however	however	ADV
fsr-3263	83	2	,	,	PUNCT
fsr-3263	83	3	for	for	ADP
fsr-3263	83	4	black	black	ADJ
fsr-3263	83	5	households	household	NOUN
fsr-3263	83	6	,	,	PUNCT
fsr-3263	83	7	the	the	DET
fsr-3263	83	8	face	face	NOUN
fsr-3263	83	9	value	value	NOUN
fsr-3263	83	10	amount	amount	NOUN
fsr-3263	83	11	of	of	ADP
fsr-3263	83	12	cash	cash	NOUN
fsr-3263	83	13	value	value	NOUN
fsr-3263	83	14	life	life	NOUN
fsr-3263	83	15	insurance	insurance	NOUN
fsr-3263	83	16	increases	increase	NOUN
fsr-3263	83	17	when	when	SCONJ
fsr-3263	83	18	moving	move	VERB
fsr-3263	83	19	from	from	ADP
fsr-3263	83	20	a	a	DET
fsr-3263	83	21	household	household	NOUN
fsr-3263	83	22	size	size	NOUN
fsr-3263	83	23	of	of	ADP
fsr-3263	83	24	four	four	NUM
fsr-3263	83	25	to	to	ADP
fsr-3263	83	26	a	a	DET
fsr-3263	83	27	household	household	NOUN
fsr-3263	83	28	with	with	ADP
fsr-3263	83	29	five	five	NUM
fsr-3263	83	30	or	or	CCONJ
fsr-3263	83	31	more	more	ADJ
fsr-3263	83	32	members	member	NOUN
fsr-3263	83	33	.	.	PUNCT
fsr-3263	84	1	for	for	ADP
fsr-3263	84	2	hispanic	hispanic	ADJ
fsr-3263	84	3	households	household	NOUN
fsr-3263	84	4	,	,	PUNCT
fsr-3263	84	5	when	when	SCONJ
fsr-3263	84	6	comparing	compare	VERB
fsr-3263	84	7	a	a	DET
fsr-3263	84	8	household	household	NOUN
fsr-3263	84	9	of	of	ADP
fsr-3263	84	10	four	four	NUM
fsr-3263	84	11	to	to	ADP
fsr-3263	84	12	a	a	DET
fsr-3263	84	13	household	household	NOUN
fsr-3263	84	14	of	of	ADP
fsr-3263	84	15	five	five	NUM
fsr-3263	84	16	,	,	PUNCT
fsr-3263	84	17	the	the	DET
fsr-3263	84	18	face	face	NOUN
fsr-3263	84	19	value	value	NOUN
fsr-3263	84	20	amount	amount	NOUN
fsr-3263	84	21	of	of	ADP
fsr-3263	84	22	cash	cash	NOUN
fsr-3263	84	23	value	value	NOUN
fsr-3263	84	24	life	life	NOUN
fsr-3263	84	25	insurance	insurance	NOUN
fsr-3263	84	26	actually	actually	ADV
fsr-3263	84	27	declines	decline	VERB
fsr-3263	84	28	.	.	PUNCT
fsr-3263	85	1	5	5	X
fsr-3263	85	2	.	.	X
fsr-3263	85	3	method	method	VERB
fsr-3263	85	4	a	a	DET
fsr-3263	85	5	logistic	logistic	ADJ
fsr-3263	85	6	regression	regression	NOUN
fsr-3263	85	7	model	model	NOUN
fsr-3263	85	8	(	(	PUNCT
fsr-3263	85	9	a	a	X
fsr-3263	85	10	)	)	PUNCT
fsr-3263	85	11	is	be	AUX
fsr-3263	85	12	constructed	construct	VERB
fsr-3263	85	13	to	to	PART
fsr-3263	85	14	better	well	ADV
fsr-3263	85	15	understand	understand	VERB
fsr-3263	85	16	how	how	SCONJ
fsr-3263	85	17	interactions	interaction	NOUN
fsr-3263	85	18	between	between	ADP
fsr-3263	85	19	different	different	ADJ
fsr-3263	85	20	races	race	NOUN
fsr-3263	85	21	and	and	CCONJ
fsr-3263	85	22	different	different	ADJ
fsr-3263	85	23	levels	level	NOUN
fsr-3263	85	24	of	of	ADP
fsr-3263	85	25	household	household	NOUN
fsr-3263	85	26	size	size	NOUN
fsr-3263	85	27	affect	affect	VERB
fsr-3263	85	28	the	the	DET
fsr-3263	85	29	likelihood	likelihood	NOUN
fsr-3263	85	30	of	of	ADP
fsr-3263	85	31	owning	own	VERB
fsr-3263	85	32	life	life	NOUN
fsr-3263	85	33	insurance	insurance	NOUN
fsr-3263	85	34	.	.	PUNCT
fsr-3263	86	1	if	if	SCONJ
fsr-3263	86	2	the	the	DET
fsr-3263	86	3	respondent	respondent	NOUN
fsr-3263	86	4	owns	own	VERB
fsr-3263	86	5	a	a	DET
fsr-3263	86	6	life	life	NOUN
fsr-3263	86	7	insurance	insurance	NOUN
fsr-3263	86	8	policy	policy	NOUN
fsr-3263	86	9	(	(	PUNCT
fsr-3263	86	10	including	include	VERB
fsr-3263	86	11	individual	individual	ADJ
fsr-3263	86	12	and	and	CCONJ
fsr-3263	86	13	group	group	NOUN
fsr-3263	86	14	policies	policy	NOUN
fsr-3263	86	15	,	,	PUNCT
fsr-3263	86	16	but	but	CCONJ
fsr-3263	86	17	not	not	PART
fsr-3263	86	18	accidental	accidental	ADJ
fsr-3263	86	19	life	life	NOUN
fsr-3263	86	20	insurance	insurance	NOUN
fsr-3263	86	21	)	)	PUNCT
fsr-3263	86	22	,	,	PUNCT
fsr-3263	86	23	the	the	DET
fsr-3263	86	24	variable	variable	NOUN
fsr-3263	86	25	is	be	AUX
fsr-3263	86	26	coded	code	VERB
fsr-3263	86	27	as	as	ADP
fsr-3263	86	28	one	one	NUM
fsr-3263	86	29	,	,	PUNCT
fsr-3263	86	30	with	with	ADP
fsr-3263	86	31	no	no	DET
fsr-3263	86	32	ownership	ownership	NOUN
fsr-3263	86	33	of	of	ADP
fsr-3263	86	34	life	life	NOUN
fsr-3263	86	35	insurance	insurance	NOUN
fsr-3263	86	36	as	as	ADP
fsr-3263	86	37	the	the	DET
fsr-3263	86	38	reference	reference	NOUN
fsr-3263	86	39	group	group	NOUN
fsr-3263	86	40	and	and	CCONJ
fsr-3263	86	41	coded	code	VERB
fsr-3263	86	42	as	as	ADP
fsr-3263	86	43	zero	zero	NUM
fsr-3263	86	44	.	.	PUNCT
fsr-3263	87	1	race	race	NOUN
fsr-3263	87	2	is	be	AUX
fsr-3263	87	3	broken	break	VERB
fsr-3263	87	4	into	into	ADP
fsr-3263	87	5	categories	category	NOUN
fsr-3263	87	6	that	that	PRON
fsr-3263	87	7	include	include	VERB
fsr-3263	87	8	white	white	ADJ
fsr-3263	87	9	,	,	PUNCT
fsr-3263	87	10	black	black	ADJ
fsr-3263	87	11	,	,	PUNCT
fsr-3263	87	12	hispanic	hispanic	ADJ
fsr-3263	87	13	,	,	PUNCT
fsr-3263	87	14	and	and	CCONJ
fsr-3263	87	15	other	other	ADJ
fsr-3263	87	16	races	race	NOUN
fsr-3263	87	17	.	.	PUNCT
fsr-3263	88	1	respondents	respondent	NOUN
fsr-3263	88	2	who	who	PRON
fsr-3263	88	3	identified	identify	VERB
fsr-3263	88	4	themselves	themselves	PRON
fsr-3263	88	5	as	as	ADP
fsr-3263	88	6	white	white	ADJ
fsr-3263	88	7	are	be	AUX
fsr-3263	88	8	used	use	VERB
fsr-3263	88	9	as	as	ADP
fsr-3263	88	10	the	the	DET
fsr-3263	88	11	reference	reference	NOUN
fsr-3263	88	12	group	group	NOUN
fsr-3263	88	13	in	in	ADP
fsr-3263	88	14	the	the	DET
fsr-3263	88	15	multivariate	multivariate	NOUN
fsr-3263	88	16	analysis	analysis	NOUN
fsr-3263	88	17	.	.	PUNCT
fsr-3263	89	1	household	household	NOUN
fsr-3263	89	2	size	size	NOUN
fsr-3263	89	3	does	do	AUX
fsr-3263	89	4	not	not	PART
fsr-3263	89	5	include	include	VERB
fsr-3263	89	6	people	people	NOUN
fsr-3263	89	7	who	who	PRON
fsr-3263	89	8	do	do	AUX
fsr-3263	89	9	not	not	PART
fsr-3263	89	10	usually	usually	ADV
fsr-3263	89	11	live	live	VERB
fsr-3263	89	12	in	in	ADP
fsr-3263	89	13	the	the	DET
fsr-3263	89	14	household	household	NOUN
fsr-3263	89	15	or	or	CCONJ
fsr-3263	89	16	who	who	PRON
fsr-3263	89	17	are	be	AUX
fsr-3263	89	18	financially	financially	ADV
fsr-3263	89	19	independent	independent	ADJ
fsr-3263	89	20	.	.	PUNCT
fsr-3263	90	1	a	a	DET
fsr-3263	90	2	household	household	NOUN
fsr-3263	90	3	size	size	NOUN
fsr-3263	90	4	of	of	ADP
fsr-3263	90	5	five	five	NUM
fsr-3263	90	6	includes	include	VERB
fsr-3263	90	7	households	household	NOUN
fsr-3263	90	8	with	with	ADP
fsr-3263	90	9	five	five	NUM
fsr-3263	90	10	or	or	CCONJ
fsr-3263	90	11	more	more	ADJ
fsr-3263	90	12	members	member	NOUN
fsr-3263	90	13	.	.	PUNCT
fsr-3263	91	1	our	our	PRON
fsr-3263	91	2	control	control	NOUN
fsr-3263	91	3	variables	variable	NOUN
fsr-3263	91	4	include	include	VERB
fsr-3263	91	5	inflation	inflation	NOUN
fsr-3263	91	6	-	-	PUNCT
fsr-3263	91	7	adjusted	adjust	VERB
fsr-3263	91	8	income	income	NOUN
fsr-3263	91	9	,	,	PUNCT
fsr-3263	91	10	inflation	inflation	NOUN
fsr-3263	91	11	-	-	PUNCT
fsr-3263	91	12	adjusted	adjust	VERB
fsr-3263	91	13	net	net	ADJ
fsr-3263	91	14	worth	worth	NOUN
fsr-3263	91	15	,	,	PUNCT
fsr-3263	91	16	and	and	CCONJ
fsr-3263	91	17	inflation	inflation	NOUN
fsr-3263	91	18	-	-	PUNCT
fsr-3263	91	19	adjusted	adjust	VERB
fsr-3263	91	20	liquid	liquid	ADJ
fsr-3263	91	21	assets	asset	NOUN
fsr-3263	91	22	.	.	PUNCT
fsr-3263	92	1	income	income	NOUN
fsr-3263	92	2	,	,	PUNCT
fsr-3263	92	3	net	net	ADJ
fsr-3263	92	4	worth	worth	NOUN
fsr-3263	92	5	,	,	PUNCT
fsr-3263	92	6	and	and	CCONJ
fsr-3263	92	7	liquid	liquid	ADJ
fsr-3263	92	8	assets	asset	NOUN
fsr-3263	92	9	were	be	AUX
fsr-3263	92	10	indexed	index	VERB
fsr-3263	92	11	to	to	ADP
fsr-3263	92	12	2010	2010	NUM
fsr-3263	92	13	dollars	dollar	NOUN
fsr-3263	92	14	and	and	CCONJ
fsr-3263	92	15	sorted	sort	VERB
fsr-3263	92	16	from	from	ADP
fsr-3263	92	17	lowest	low	ADJ
fsr-3263	92	18	(	(	PUNCT
fsr-3263	92	19	q1	q1	PROPN
fsr-3263	92	20	)	)	PUNCT
fsr-3263	92	21	to	to	ADP
fsr-3263	92	22	highest	high	ADJ
fsr-3263	92	23	(	(	PUNCT
fsr-3263	92	24	q4	q4	PROPN
fsr-3263	92	25	)	)	PUNCT
fsr-3263	92	26	quartile	quartile	NOUN
fsr-3263	92	27	.	.	PUNCT
fsr-3263	93	1	other	other	ADJ
fsr-3263	93	2	control	control	NOUN
fsr-3263	93	3	variables	variable	NOUN
fsr-3263	93	4	include	include	VERB
fsr-3263	93	5	the	the	DET
fsr-3263	93	6	age	age	NOUN
fsr-3263	93	7	of	of	ADP
fsr-3263	93	8	the	the	DET
fsr-3263	93	9	respondent	respondent	NOUN
fsr-3263	93	10	and	and	CCONJ
fsr-3263	93	11	whether	whether	SCONJ
fsr-3263	93	12	the	the	DET
fsr-3263	93	13	respondent	respondent	NOUN
fsr-3263	93	14	has	have	VERB
fsr-3263	93	15	a	a	DET
fsr-3263	93	16	bachelor	bachelor	NOUN
fsr-3263	93	17	’s	’s	PART
fsr-3263	93	18	degree	degree	NOUN
fsr-3263	93	19	,	,	PUNCT
fsr-3263	93	20	owns	own	VERB
fsr-3263	93	21	a	a	DET
fsr-3263	93	22	home	home	NOUN
fsr-3263	93	23	,	,	PUNCT
fsr-3263	93	24	is	be	AUX
fsr-3263	93	25	married	married	ADJ
fsr-3263	93	26	,	,	PUNCT
fsr-3263	93	27	is	be	AUX
fsr-3263	93	28	a	a	DET
fsr-3263	93	29	male	male	NOUN
fsr-3263	93	30	,	,	PUNCT
fsr-3263	93	31	is	be	AUX
fsr-3263	93	32	self	self	NOUN
fsr-3263	93	33	-	-	PUNCT
fsr-3263	93	34	employed	employ	VERB
fsr-3263	93	35	,	,	PUNCT
fsr-3263	93	36	is	be	AUX
fsr-3263	93	37	employed	employ	VERB
fsr-3263	93	38	,	,	PUNCT
fsr-3263	93	39	plans	plan	VERB
fsr-3263	93	40	to	to	PART
fsr-3263	93	41	leave	leave	VERB
fsr-3263	93	42	a	a	DET
fsr-3263	93	43	sizeable	sizeable	ADJ
fsr-3263	93	44	estate	estate	NOUN
fsr-3263	93	45	,	,	PUNCT
fsr-3263	93	46	has	have	VERB
fsr-3263	93	47	a	a	DET
fsr-3263	93	48	child	child	NOUN
fsr-3263	93	49	present	present	ADJ
fsr-3263	93	50	,	,	PUNCT
fsr-3263	93	51	self	self	NOUN
fsr-3263	93	52	-	-	PUNCT
fsr-3263	93	53	identifies	identifie	NOUN
fsr-3263	93	54	as	as	ADP
fsr-3263	93	55	healthy,1	healthy,1	NOUN
fsr-3263	93	56	and	and	CCONJ
fsr-3263	93	57	is	be	AUX
fsr-3263	93	58	willing	willing	ADJ
fsr-3263	93	59	to	to	PART
fsr-3263	93	60	take	take	VERB
fsr-3263	93	61	substantial	substantial	ADJ
fsr-3263	93	62	financial	financial	ADJ
fsr-3263	93	63	risk	risk	NOUN
fsr-3263	93	64	with	with	ADP
fsr-3263	93	65	table	table	NOUN
fsr-3263	93	66	2	2	NUM
fsr-3263	93	67	median	median	NOUN
fsr-3263	93	68	face	face	NOUN
fsr-3263	93	69	value	value	NOUN
fsr-3263	93	70	of	of	ADP
fsr-3263	93	71	term	term	NOUN
fsr-3263	93	72	life	life	NOUN
fsr-3263	93	73	insurance	insurance	NOUN
fsr-3263	93	74	by	by	ADP
fsr-3263	93	75	race	race	NOUN
fsr-3263	93	76	and	and	CCONJ
fsr-3263	93	77	household	household	NOUN
fsr-3263	93	78	size	size	NOUN
fsr-3263	93	79	(	(	PUNCT
fsr-3263	93	80	1992–2010	1992–2010	NUM
fsr-3263	93	81	scf	scf	PROPN
fsr-3263	93	82	)	)	PUNCT
fsr-3263	93	83	household	household	NOUN
fsr-3263	93	84	size	size	NOUN
fsr-3263	93	85	black	black	ADJ
fsr-3263	93	86	hispanic	hispanic	ADJ
fsr-3263	93	87	other	other	ADJ
fsr-3263	93	88	white	white	ADJ
fsr-3263	93	89	1	1	NUM
fsr-3263	93	90	$	$	SYM
fsr-3263	93	91	30,000	30,000	NUM
fsr-3263	93	92	$	$	SYM
fsr-3263	93	93	66,000	66,000	NUM
fsr-3263	93	94	$	$	SYM
fsr-3263	93	95	42,000	42,000	NUM
fsr-3263	93	96	$	$	SYM
fsr-3263	93	97	27,300	27,300	NUM
fsr-3263	93	98	2	2	NUM
fsr-3263	93	99	$	$	SYM
fsr-3263	93	100	40,200	40,200	NUM
fsr-3263	93	101	$	$	SYM
fsr-3263	93	102	86,250	86,250	NUM
fsr-3263	93	103	$	$	SYM
fsr-3263	93	104	100,000	100,000	NUM
fsr-3263	93	105	$	$	SYM
fsr-3263	93	106	71,550	71,550	NUM
fsr-3263	93	107	3	3	NUM
fsr-3263	93	108	$	$	SYM
fsr-3263	93	109	61,500	61,500	NUM
fsr-3263	93	110	$	$	SYM
fsr-3263	93	111	92,250	92,250	NUM
fsr-3263	93	112	$	$	SYM
fsr-3263	93	113	172,500	172,500	NUM
fsr-3263	93	114	$	$	SYM
fsr-3263	93	115	135,300	135,300	NUM
fsr-3263	93	116	4	4	NUM
fsr-3263	93	117	$	$	SYM
fsr-3263	93	118	132,090	132,090	NUM
fsr-3263	93	119	$	$	SYM
fsr-3263	93	120	115,000	115,000	NUM
fsr-3263	93	121	$	$	SYM
fsr-3263	93	122	246,000	246,000	NUM
fsr-3263	93	123	$	$	SYM
fsr-3263	93	124	230,000	230,000	NUM
fsr-3263	93	125	5	5	NUM
fsr-3263	93	126	�	�	PROPN
fsr-3263	93	127	$	$	SYM
fsr-3263	93	128	115,000	115,000	NUM
fsr-3263	93	129	$	$	SYM
fsr-3263	93	130	128,790	128,790	NUM
fsr-3263	93	131	$	$	SYM
fsr-3263	93	132	136,752	136,752	NUM
fsr-3263	93	133	$	$	SYM
fsr-3263	93	134	230,000	230,000	NUM
fsr-3263	93	135	table	table	NOUN
fsr-3263	93	136	3	3	NUM
fsr-3263	93	137	median	median	NOUN
fsr-3263	93	138	face	face	NOUN
fsr-3263	93	139	value	value	NOUN
fsr-3263	93	140	of	of	ADP
fsr-3263	93	141	cash	cash	NOUN
fsr-3263	93	142	value	value	NOUN
fsr-3263	93	143	life	life	NOUN
fsr-3263	93	144	insurance	insurance	NOUN
fsr-3263	93	145	by	by	ADP
fsr-3263	93	146	race	race	NOUN
fsr-3263	93	147	and	and	CCONJ
fsr-3263	93	148	household	household	NOUN
fsr-3263	93	149	size	size	NOUN
fsr-3263	93	150	(	(	PUNCT
fsr-3263	93	151	1992–2010	1992–2010	NUM
fsr-3263	93	152	scf	scf	PROPN
fsr-3263	93	153	)	)	PUNCT
fsr-3263	93	154	household	household	NOUN
fsr-3263	93	155	size	size	NOUN
fsr-3263	93	156	black	black	ADJ
fsr-3263	93	157	hispanic	hispanic	ADJ
fsr-3263	93	158	other	other	ADJ
fsr-3263	93	159	white	white	ADJ
fsr-3263	93	160	1	1	NUM
fsr-3263	93	161	$	$	SYM
fsr-3263	93	162	20,000	20,000	NUM
fsr-3263	93	163	$	$	SYM
fsr-3263	93	164	79,950	79,950	NUM
fsr-3263	93	165	$	$	SYM
fsr-3263	93	166	82,362	82,362	NUM
fsr-3263	93	167	$	$	SYM
fsr-3263	93	168	15,750	15,750	NUM
fsr-3263	93	169	2	2	NUM
fsr-3263	93	170	$	$	SYM
fsr-3263	93	171	35,775	35,775	NUM
fsr-3263	93	172	$	$	SYM
fsr-3263	93	173	75,040	75,040	NUM
fsr-3263	93	174	$	$	SYM
fsr-3263	93	175	59,052	59,052	NUM
fsr-3263	93	176	$	$	SYM
fsr-3263	93	177	43,050	43,050	NUM
fsr-3263	93	178	3	3	NUM
fsr-3263	93	179	$	$	SYM
fsr-3263	93	180	40,404	40,404	NUM
fsr-3263	93	181	$	$	SYM
fsr-3263	93	182	69,930	69,930	NUM
fsr-3263	93	183	$	$	SYM
fsr-3263	93	184	105,000	105,000	NUM
fsr-3263	93	185	$	$	SYM
fsr-3263	93	186	77,700	77,700	NUM
fsr-3263	93	187	4	4	NUM
fsr-3263	93	188	$	$	SYM
fsr-3263	93	189	67,000	67,000	NUM
fsr-3263	93	190	$	$	SYM
fsr-3263	93	191	105,000	105,000	NUM
fsr-3263	93	192	$	$	SYM
fsr-3263	93	193	200,000	200,000	NUM
fsr-3263	93	194	$	$	SYM
fsr-3263	93	195	115,000	115,000	NUM
fsr-3263	93	196	5	5	NUM
fsr-3263	93	197	�	�	PROPN
fsr-3263	93	198	$	$	SYM
fsr-3263	93	199	73,800	73,800	NUM
fsr-3263	93	200	$	$	SYM
fsr-3263	93	201	93,800	93,800	NUM
fsr-3263	93	202	$	$	SYM
fsr-3263	93	203	155,400	155,400	NUM
fsr-3263	93	204	$	$	SYM
fsr-3263	93	205	141,669	141,669	NUM
fsr-3263	93	206	41m.a	41m.a	NUM
fsr-3263	93	207	.	.	PUNCT
fsr-3263	94	1	guillemette	guillemette	NOUN
fsr-3263	94	2	et	et	PROPN
fsr-3263	94	3	al	al	PROPN
fsr-3263	94	4	.	.	PUNCT
fsr-3263	94	5	/	/	SYM
fsr-3263	94	6	financial	financial	ADJ
fsr-3263	94	7	services	service	NOUN
fsr-3263	94	8	review	review	VERB
fsr-3263	94	9	24	24	NUM
fsr-3263	94	10	(	(	PUNCT
fsr-3263	94	11	2015	2015	NUM
fsr-3263	94	12	)	)	PUNCT
fsr-3263	94	13	37–50	37–50	NUM
fsr-3263	94	14	personal	personal	ADJ
fsr-3263	94	15	investments	investment	NOUN
fsr-3263	94	16	.	.	PUNCT
fsr-3263	95	1	in	in	ADP
fsr-3263	95	2	addition	addition	NOUN
fsr-3263	95	3	,	,	PUNCT
fsr-3263	95	4	a	a	DET
fsr-3263	95	5	dummy	dummy	ADJ
fsr-3263	95	6	variable	variable	NOUN
fsr-3263	95	7	was	be	AUX
fsr-3263	95	8	included	include	VERB
fsr-3263	95	9	to	to	PART
fsr-3263	95	10	control	control	VERB
fsr-3263	95	11	for	for	ADP
fsr-3263	95	12	the	the	DET
fsr-3263	95	13	year	year	NOUN
fsr-3263	95	14	in	in	ADP
fsr-3263	95	15	which	which	PRON
fsr-3263	95	16	the	the	DET
fsr-3263	95	17	survey	survey	NOUN
fsr-3263	95	18	was	be	AUX
fsr-3263	95	19	conducted	conduct	VERB
fsr-3263	95	20	.	.	PUNCT
fsr-3263	96	1	the	the	DET
fsr-3263	96	2	year	year	NOUN
fsr-3263	96	3	1992	1992	NUM
fsr-3263	96	4	was	be	AUX
fsr-3263	96	5	used	use	VERB
fsr-3263	96	6	as	as	ADP
fsr-3263	96	7	the	the	DET
fsr-3263	96	8	reference	reference	NOUN
fsr-3263	96	9	group	group	NOUN
fsr-3263	96	10	.	.	PUNCT
fsr-3263	97	1	(	(	PUNCT
fsr-3263	97	2	a	a	X
fsr-3263	97	3	)	)	PUNCT
fsr-3263	97	4	own	own	ADJ
fsr-3263	97	5	any	any	DET
fsr-3263	97	6	life	life	NOUN
fsr-3263	97	7	insurance	insurance	NOUN
fsr-3263	97	8	�	�	PROPN
fsr-3263	97	9	b0	b0	PROPN
fsr-3263	97	10	�	�	PROPN
fsr-3263	97	11	bj	bj	ADP
fsr-3263	98	1	race	race	NOUN
fsr-3263	98	2	dummy	dummy	ADJ
fsr-3263	98	3	�	�	PROPN
fsr-3263	98	4	bk	bk	ADP
fsr-3263	98	5	household	household	NOUN
fsr-3263	98	6	size	size	NOUN
fsr-3263	98	7	dummy	dummy	PROPN
fsr-3263	98	8	�	�	PROPN
fsr-3263	98	9	�	�	PROPN
fsr-3263	98	10	bi	bi	PROPN
fsr-3263	98	11	control	control	PROPN
fsr-3263	98	12	variables	variables	PROPN
fsr-3263	98	13	�	�	PROPN
fsr-3263	98	14	�	�	PROPN
fsr-3263	98	15	where	where	SCONJ
fsr-3263	98	16	,	,	PUNCT
fsr-3263	98	17	i	i	PRON
fsr-3263	98	18	�	�	PROPN
fsr-3263	98	19	control	control	NOUN
fsr-3263	98	20	variables	variable	NOUN
fsr-3263	98	21	:	:	PUNCT
fsr-3263	98	22	income	income	NOUN
fsr-3263	98	23	,	,	PUNCT
fsr-3263	98	24	net	net	ADJ
fsr-3263	98	25	worth	worth	NOUN
fsr-3263	98	26	,	,	PUNCT
fsr-3263	98	27	liquid	liquid	ADJ
fsr-3263	98	28	assets	asset	NOUN
fsr-3263	98	29	,	,	PUNCT
fsr-3263	98	30	bachelor	bachelor	NOUN
fsr-3263	98	31	’s	’s	NOUN
fsr-3263	98	32	degree	degree	NOUN
fsr-3263	98	33	,	,	PUNCT
fsr-3263	98	34	ownership	ownership	NOUN
fsr-3263	98	35	of	of	ADP
fsr-3263	98	36	a	a	DET
fsr-3263	98	37	home	home	NOUN
fsr-3263	98	38	,	,	PUNCT
fsr-3263	98	39	age	age	NOUN
fsr-3263	98	40	,	,	PUNCT
fsr-3263	98	41	married	married	ADJ
fsr-3263	98	42	,	,	PUNCT
fsr-3263	98	43	male	male	ADJ
fsr-3263	98	44	,	,	PUNCT
fsr-3263	98	45	healthy	healthy	ADJ
fsr-3263	98	46	,	,	PUNCT
fsr-3263	98	47	self	self	NOUN
fsr-3263	98	48	-	-	PUNCT
fsr-3263	98	49	employed	employ	VERB
fsr-3263	98	50	,	,	PUNCT
fsr-3263	98	51	unemployed	unemployed	ADJ
fsr-3263	98	52	,	,	PUNCT
fsr-3263	98	53	plan	plan	VERB
fsr-3263	98	54	to	to	PART
fsr-3263	98	55	leave	leave	VERB
fsr-3263	98	56	a	a	DET
fsr-3263	98	57	sizeable	sizeable	ADJ
fsr-3263	98	58	estate	estate	NOUN
fsr-3263	98	59	,	,	PUNCT
fsr-3263	98	60	the	the	DET
fsr-3263	98	61	presence	presence	NOUN
fsr-3263	98	62	of	of	ADP
fsr-3263	98	63	a	a	DET
fsr-3263	98	64	child	child	NOUN
fsr-3263	98	65	,	,	PUNCT
fsr-3263	98	66	willingness	willingness	NOUN
fsr-3263	98	67	to	to	PART
fsr-3263	98	68	take	take	VERB
fsr-3263	98	69	substantial	substantial	ADJ
fsr-3263	98	70	financial	financial	ADJ
fsr-3263	98	71	risk	risk	NOUN
fsr-3263	98	72	and	and	CCONJ
fsr-3263	98	73	the	the	DET
fsr-3263	98	74	year	year	NOUN
fsr-3263	98	75	in	in	ADP
fsr-3263	98	76	which	which	PRON
fsr-3263	98	77	the	the	DET
fsr-3263	98	78	survey	survey	NOUN
fsr-3263	98	79	was	be	AUX
fsr-3263	98	80	conducted	conduct	VERB
fsr-3263	98	81	.	.	PUNCT
fsr-3263	99	1	two	two	NUM
fsr-3263	99	2	separate	separate	ADJ
fsr-3263	99	3	tobit	tobit	NOUN
fsr-3263	99	4	models	model	NOUN
fsr-3263	99	5	were	be	AUX
fsr-3263	99	6	constructed	construct	VERB
fsr-3263	99	7	to	to	PART
fsr-3263	99	8	understand	understand	VERB
fsr-3263	99	9	how	how	SCONJ
fsr-3263	99	10	interactions	interaction	NOUN
fsr-3263	99	11	between	between	ADP
fsr-3263	99	12	different	different	ADJ
fsr-3263	99	13	races	race	NOUN
fsr-3263	99	14	and	and	CCONJ
fsr-3263	99	15	different	different	ADJ
fsr-3263	99	16	levels	level	NOUN
fsr-3263	99	17	of	of	ADP
fsr-3263	99	18	household	household	NOUN
fsr-3263	99	19	size	size	NOUN
fsr-3263	99	20	affect	affect	VERB
fsr-3263	99	21	the	the	DET
fsr-3263	99	22	face	face	NOUN
fsr-3263	99	23	value	value	NOUN
fsr-3263	99	24	of	of	ADP
fsr-3263	99	25	term	term	NOUN
fsr-3263	99	26	life	life	NOUN
fsr-3263	99	27	insurance	insurance	NOUN
fsr-3263	99	28	(	(	PUNCT
fsr-3263	99	29	b	b	NOUN
fsr-3263	99	30	)	)	PUNCT
fsr-3263	99	31	and	and	CCONJ
fsr-3263	99	32	cash	cash	NOUN
fsr-3263	99	33	value	value	NOUN
fsr-3263	99	34	life	life	NOUN
fsr-3263	99	35	insurance	insurance	NOUN
fsr-3263	99	36	(	(	PUNCT
fsr-3263	99	37	c	c	NOUN
fsr-3263	99	38	)	)	PUNCT
fsr-3263	99	39	.	.	PUNCT
fsr-3263	100	1	common	common	ADJ
fsr-3263	100	2	examples	example	NOUN
fsr-3263	100	3	of	of	ADP
fsr-3263	100	4	cash	cash	NOUN
fsr-3263	100	5	value	value	NOUN
fsr-3263	100	6	policies	policy	NOUN
fsr-3263	100	7	include	include	VERB
fsr-3263	100	8	whole	whole	ADJ
fsr-3263	100	9	,	,	PUNCT
fsr-3263	100	10	straight	straight	ADJ
fsr-3263	100	11	,	,	PUNCT
fsr-3263	100	12	or	or	CCONJ
fsr-3263	100	13	universal	universal	ADJ
fsr-3263	100	14	life	life	NOUN
fsr-3263	100	15	insurance	insurance	NOUN
fsr-3263	100	16	.	.	PUNCT
fsr-3263	101	1	the	the	DET
fsr-3263	101	2	dependent	dependent	ADJ
fsr-3263	101	3	variables	variable	NOUN
fsr-3263	101	4	contain	contain	VERB
fsr-3263	101	5	a	a	DET
fsr-3263	101	6	large	large	ADJ
fsr-3263	101	7	percentage	percentage	NOUN
fsr-3263	101	8	of	of	ADP
fsr-3263	101	9	zero	zero	NUM
fsr-3263	101	10	values	value	NOUN
fsr-3263	101	11	because	because	SCONJ
fsr-3263	101	12	of	of	ADP
fsr-3263	101	13	non	non	NOUN
fsr-3263	101	14	-	-	NOUN
fsr-3263	101	15	ownership	ownership	NOUN
fsr-3263	101	16	.	.	PUNCT
fsr-3263	102	1	when	when	SCONJ
fsr-3263	102	2	a	a	DET
fsr-3263	102	3	dependent	dependent	ADJ
fsr-3263	102	4	variable	variable	NOUN
fsr-3263	102	5	contains	contain	VERB
fsr-3263	102	6	a	a	DET
fsr-3263	102	7	large	large	ADJ
fsr-3263	102	8	number	number	NOUN
fsr-3263	102	9	of	of	ADP
fsr-3263	102	10	zero	zero	NUM
fsr-3263	102	11	values	value	NOUN
fsr-3263	102	12	,	,	PUNCT
fsr-3263	102	13	the	the	DET
fsr-3263	102	14	use	use	NOUN
fsr-3263	102	15	of	of	ADP
fsr-3263	102	16	an	an	DET
fsr-3263	102	17	ordinary	ordinary	ADJ
fsr-3263	102	18	least	least	ADJ
fsr-3263	102	19	squares	square	NOUN
fsr-3263	102	20	model	model	NOUN
fsr-3263	102	21	may	may	AUX
fsr-3263	102	22	result	result	VERB
fsr-3263	102	23	in	in	ADP
fsr-3263	102	24	biased	biased	ADJ
fsr-3263	102	25	coefficient	coefficient	NOUN
fsr-3263	102	26	estimates	estimate	NOUN
fsr-3263	102	27	(	(	PUNCT
fsr-3263	102	28	madalla	madalla	NOUN
fsr-3263	102	29	,	,	PUNCT
fsr-3263	102	30	1987	1987	NUM
fsr-3263	102	31	)	)	PUNCT
fsr-3263	102	32	.	.	PUNCT
fsr-3263	103	1	a	a	DET
fsr-3263	103	2	tobit	tobit	NOUN
fsr-3263	103	3	model	model	NOUN
fsr-3263	103	4	is	be	AUX
fsr-3263	103	5	not	not	PART
fsr-3263	103	6	subject	subject	ADJ
fsr-3263	103	7	to	to	ADP
fsr-3263	103	8	this	this	DET
fsr-3263	103	9	same	same	ADJ
fsr-3263	103	10	bias	bias	NOUN
fsr-3263	103	11	.	.	PUNCT
fsr-3263	104	1	the	the	DET
fsr-3263	104	2	insurance	insurance	NOUN
fsr-3263	104	3	face	face	NOUN
fsr-3263	104	4	value	value	NOUN
fsr-3263	104	5	amounts	amount	NOUN
fsr-3263	104	6	were	be	AUX
fsr-3263	104	7	inflation	inflation	NOUN
fsr-3263	104	8	adjusted	adjust	VERB
fsr-3263	104	9	to	to	ADP
fsr-3263	104	10	2010	2010	NUM
fsr-3263	104	11	dollars	dollar	NOUN
fsr-3263	104	12	and	and	CCONJ
fsr-3263	104	13	squarerooted	squareroote	VERB
fsr-3263	104	14	to	to	PART
fsr-3263	104	15	reduce	reduce	VERB
fsr-3263	104	16	skewness	skewness	NOUN
fsr-3263	104	17	.	.	PUNCT
fsr-3263	105	1	the	the	DET
fsr-3263	105	2	face	face	NOUN
fsr-3263	105	3	amount	amount	NOUN
fsr-3263	105	4	of	of	ADP
fsr-3263	105	5	cash	cash	NOUN
fsr-3263	105	6	value	value	NOUN
fsr-3263	105	7	life	life	NOUN
fsr-3263	105	8	insurance	insurance	NOUN
fsr-3263	105	9	was	be	AUX
fsr-3263	105	10	broken	break	VERB
fsr-3263	105	11	into	into	ADP
fsr-3263	105	12	quartiles	quartile	NOUN
fsr-3263	105	13	and	and	CCONJ
fsr-3263	105	14	included	include	VERB
fsr-3263	105	15	as	as	ADP
fsr-3263	105	16	a	a	DET
fsr-3263	105	17	control	control	NOUN
fsr-3263	105	18	variable	variable	NOUN
fsr-3263	105	19	when	when	SCONJ
fsr-3263	105	20	the	the	DET
fsr-3263	105	21	dependent	dependent	ADJ
fsr-3263	105	22	variable	variable	NOUN
fsr-3263	105	23	was	be	AUX
fsr-3263	105	24	the	the	DET
fsr-3263	105	25	squarerooted	squareroote	VERB
fsr-3263	105	26	face	face	NOUN
fsr-3263	105	27	amount	amount	NOUN
fsr-3263	105	28	of	of	ADP
fsr-3263	105	29	term	term	NOUN
fsr-3263	105	30	life	life	NOUN
fsr-3263	105	31	insurance	insurance	NOUN
fsr-3263	105	32	.	.	PUNCT
fsr-3263	106	1	the	the	DET
fsr-3263	106	2	face	face	NOUN
fsr-3263	106	3	amount	amount	NOUN
fsr-3263	106	4	of	of	ADP
fsr-3263	106	5	term	term	NOUN
fsr-3263	106	6	life	life	NOUN
fsr-3263	106	7	insurance	insurance	NOUN
fsr-3263	106	8	was	be	AUX
fsr-3263	106	9	broken	break	VERB
fsr-3263	106	10	into	into	ADP
fsr-3263	106	11	quartiles	quartile	NOUN
fsr-3263	106	12	and	and	CCONJ
fsr-3263	106	13	included	include	VERB
fsr-3263	106	14	as	as	ADP
fsr-3263	106	15	a	a	DET
fsr-3263	106	16	control	control	NOUN
fsr-3263	106	17	variable	variable	NOUN
fsr-3263	106	18	when	when	SCONJ
fsr-3263	106	19	the	the	DET
fsr-3263	106	20	dependent	dependent	ADJ
fsr-3263	106	21	variable	variable	NOUN
fsr-3263	106	22	was	be	AUX
fsr-3263	106	23	the	the	DET
fsr-3263	106	24	square	square	ADJ
fsr-3263	106	25	-	-	PUNCT
fsr-3263	106	26	rooted	root	VERB
fsr-3263	106	27	face	face	NOUN
fsr-3263	106	28	amount	amount	NOUN
fsr-3263	106	29	of	of	ADP
fsr-3263	106	30	cash	cash	NOUN
fsr-3263	106	31	value	value	NOUN
fsr-3263	106	32	life	life	NOUN
fsr-3263	106	33	insurance	insurance	NOUN
fsr-3263	106	34	.	.	PUNCT
fsr-3263	107	1	(	(	PUNCT
fsr-3263	107	2	b	b	X
fsr-3263	107	3	)	)	PUNCT
fsr-3263	107	4	face	face	NOUN
fsr-3263	107	5	amount	amount	NOUN
fsr-3263	107	6	of	of	ADP
fsr-3263	107	7	term	term	NOUN
fsr-3263	107	8	life	life	NOUN
fsr-3263	107	9	insurance	insurance	NOUN
fsr-3263	107	10	�	�	PROPN
fsr-3263	107	11	b0	b0	PROPN
fsr-3263	107	12	�	�	PROPN
fsr-3263	107	13	bj	bj	ADP
fsr-3263	107	14	race	race	NOUN
fsr-3263	107	15	dummy	dummy	ADJ
fsr-3263	107	16	�	�	PROPN
fsr-3263	107	17	bk	bk	ADP
fsr-3263	108	1	household	household	NOUN
fsr-3263	108	2	size	size	NOUN
fsr-3263	108	3	dummy	dummy	PROPN
fsr-3263	108	4	�	�	PROPN
fsr-3263	108	5	�	�	PROPN
fsr-3263	108	6	bi	bi	PROPN
fsr-3263	108	7	control	control	PROPN
fsr-3263	108	8	variables	variables	PROPN
fsr-3263	108	9	�	�	PROPN
fsr-3263	108	10	�	�	PROPN
fsr-3263	108	11	where	where	SCONJ
fsr-3263	108	12	,	,	PUNCT
fsr-3263	108	13	i	i	PRON
fsr-3263	108	14	�	�	PROPN
fsr-3263	108	15	control	control	NOUN
fsr-3263	108	16	variables	variable	NOUN
fsr-3263	108	17	:	:	PUNCT
fsr-3263	108	18	income	income	NOUN
fsr-3263	108	19	,	,	PUNCT
fsr-3263	108	20	net	net	ADJ
fsr-3263	108	21	worth	worth	NOUN
fsr-3263	108	22	,	,	PUNCT
fsr-3263	108	23	liquid	liquid	ADJ
fsr-3263	108	24	assets	asset	NOUN
fsr-3263	108	25	,	,	PUNCT
fsr-3263	108	26	bachelor	bachelor	NOUN
fsr-3263	108	27	’s	’s	NOUN
fsr-3263	108	28	degree	degree	NOUN
fsr-3263	108	29	,	,	PUNCT
fsr-3263	108	30	ownership	ownership	NOUN
fsr-3263	108	31	of	of	ADP
fsr-3263	108	32	a	a	DET
fsr-3263	108	33	home	home	NOUN
fsr-3263	108	34	,	,	PUNCT
fsr-3263	108	35	age	age	NOUN
fsr-3263	108	36	,	,	PUNCT
fsr-3263	108	37	married	married	ADJ
fsr-3263	108	38	,	,	PUNCT
fsr-3263	108	39	male	male	ADJ
fsr-3263	108	40	,	,	PUNCT
fsr-3263	108	41	healthy	healthy	ADJ
fsr-3263	108	42	,	,	PUNCT
fsr-3263	108	43	self	self	NOUN
fsr-3263	108	44	-	-	PUNCT
fsr-3263	108	45	employed	employ	VERB
fsr-3263	108	46	,	,	PUNCT
fsr-3263	108	47	unemployed	unemployed	ADJ
fsr-3263	108	48	,	,	PUNCT
fsr-3263	108	49	plan	plan	VERB
fsr-3263	108	50	to	to	PART
fsr-3263	108	51	leave	leave	VERB
fsr-3263	108	52	a	a	DET
fsr-3263	108	53	sizeable	sizeable	ADJ
fsr-3263	108	54	estate	estate	NOUN
fsr-3263	108	55	,	,	PUNCT
fsr-3263	108	56	the	the	DET
fsr-3263	108	57	presence	presence	NOUN
fsr-3263	108	58	of	of	ADP
fsr-3263	108	59	a	a	DET
fsr-3263	108	60	child	child	NOUN
fsr-3263	108	61	,	,	PUNCT
fsr-3263	108	62	willingness	willingness	NOUN
fsr-3263	108	63	to	to	PART
fsr-3263	108	64	take	take	VERB
fsr-3263	108	65	substantial	substantial	ADJ
fsr-3263	108	66	financial	financial	ADJ
fsr-3263	108	67	risk	risk	NOUN
fsr-3263	108	68	,	,	PUNCT
fsr-3263	108	69	the	the	DET
fsr-3263	108	70	year	year	NOUN
fsr-3263	108	71	in	in	ADP
fsr-3263	108	72	which	which	PRON
fsr-3263	108	73	the	the	DET
fsr-3263	108	74	survey	survey	NOUN
fsr-3263	108	75	was	be	AUX
fsr-3263	108	76	conducted	conduct	VERB
fsr-3263	108	77	,	,	PUNCT
fsr-3263	108	78	and	and	CCONJ
fsr-3263	108	79	the	the	DET
fsr-3263	108	80	face	face	NOUN
fsr-3263	108	81	amount	amount	NOUN
fsr-3263	108	82	of	of	ADP
fsr-3263	108	83	cash	cash	NOUN
fsr-3263	108	84	value	value	NOUN
fsr-3263	108	85	life	life	NOUN
fsr-3263	108	86	insurance	insurance	NOUN
fsr-3263	108	87	(	(	PUNCT
fsr-3263	108	88	c	c	NOUN
fsr-3263	108	89	)	)	PUNCT
fsr-3263	108	90	face	face	NOUN
fsr-3263	108	91	amount	amount	NOUN
fsr-3263	108	92	of	of	ADP
fsr-3263	108	93	cash	cash	NOUN
fsr-3263	108	94	value	value	NOUN
fsr-3263	108	95	life	life	NOUN
fsr-3263	108	96	insurance	insurance	NOUN
fsr-3263	108	97	�	�	PROPN
fsr-3263	108	98	b0	b0	PROPN
fsr-3263	108	99	�	�	PROPN
fsr-3263	108	100	bj	bj	ADP
fsr-3263	108	101	race	race	NOUN
fsr-3263	108	102	dummy	dummy	ADJ
fsr-3263	108	103	�	�	PROPN
fsr-3263	108	104	bk	bk	ADP
fsr-3263	108	105	household	household	NOUN
fsr-3263	108	106	size	size	NOUN
fsr-3263	108	107	dummy	dummy	PROPN
fsr-3263	108	108	�	�	PROPN
fsr-3263	108	109	�	�	PROPN
fsr-3263	108	110	bi	bi	PROPN
fsr-3263	108	111	control	control	PROPN
fsr-3263	108	112	variables	variables	PROPN
fsr-3263	108	113	�	�	PROPN
fsr-3263	108	114	�	�	PROPN
fsr-3263	108	115	where	where	SCONJ
fsr-3263	108	116	,	,	PUNCT
fsr-3263	108	117	i	i	PRON
fsr-3263	108	118	�	�	VERB
fsr-3263	108	119	our	our	PRON
fsr-3263	108	120	control	control	NOUN
fsr-3263	108	121	variables	variable	NOUN
fsr-3263	108	122	:	:	PUNCT
fsr-3263	109	1	income	income	NOUN
fsr-3263	109	2	,	,	PUNCT
fsr-3263	109	3	net	net	ADJ
fsr-3263	109	4	worth	worth	NOUN
fsr-3263	109	5	,	,	PUNCT
fsr-3263	109	6	liquid	liquid	ADJ
fsr-3263	109	7	assets	asset	NOUN
fsr-3263	109	8	,	,	PUNCT
fsr-3263	109	9	bachelor	bachelor	NOUN
fsr-3263	109	10	’s	’s	NOUN
fsr-3263	109	11	degree	degree	NOUN
fsr-3263	109	12	,	,	PUNCT
fsr-3263	109	13	ownership	ownership	NOUN
fsr-3263	109	14	of	of	ADP
fsr-3263	109	15	a	a	DET
fsr-3263	109	16	home	home	NOUN
fsr-3263	109	17	,	,	PUNCT
fsr-3263	109	18	age	age	NOUN
fsr-3263	109	19	,	,	PUNCT
fsr-3263	109	20	married	married	ADJ
fsr-3263	109	21	,	,	PUNCT
fsr-3263	109	22	male	male	ADJ
fsr-3263	109	23	,	,	PUNCT
fsr-3263	109	24	healthy	healthy	ADJ
fsr-3263	109	25	,	,	PUNCT
fsr-3263	109	26	self	self	NOUN
fsr-3263	109	27	-	-	PUNCT
fsr-3263	109	28	employed	employ	VERB
fsr-3263	109	29	,	,	PUNCT
fsr-3263	109	30	unemployed	unemployed	ADJ
fsr-3263	109	31	,	,	PUNCT
fsr-3263	109	32	plan	plan	VERB
fsr-3263	109	33	to	to	PART
fsr-3263	109	34	leave	leave	VERB
fsr-3263	109	35	a	a	DET
fsr-3263	109	36	sizeable	sizeable	ADJ
fsr-3263	109	37	estate	estate	NOUN
fsr-3263	109	38	,	,	PUNCT
fsr-3263	109	39	the	the	DET
fsr-3263	109	40	presence	presence	NOUN
fsr-3263	109	41	of	of	ADP
fsr-3263	109	42	a	a	DET
fsr-3263	109	43	child	child	NOUN
fsr-3263	109	44	,	,	PUNCT
fsr-3263	109	45	willingness	willingness	NOUN
fsr-3263	109	46	to	to	PART
fsr-3263	109	47	take	take	VERB
fsr-3263	109	48	substantial	substantial	ADJ
fsr-3263	109	49	42	42	NUM
fsr-3263	109	50	m.a	m.a	PROPN
fsr-3263	109	51	.	.	PROPN
fsr-3263	109	52	guillemette	guillemette	PROPN
fsr-3263	109	53	et	et	PROPN
fsr-3263	109	54	al	al	PROPN
fsr-3263	109	55	.	.	PUNCT
fsr-3263	109	56	/	/	SYM
fsr-3263	109	57	financial	financial	ADJ
fsr-3263	109	58	services	service	NOUN
fsr-3263	109	59	review	review	VERB
fsr-3263	109	60	24	24	NUM
fsr-3263	109	61	(	(	PUNCT
fsr-3263	109	62	2015	2015	NUM
fsr-3263	109	63	)	)	PUNCT
fsr-3263	109	64	37–50	37–50	NUM
fsr-3263	109	65	financial	financial	ADJ
fsr-3263	109	66	risk	risk	NOUN
fsr-3263	109	67	,	,	PUNCT
fsr-3263	109	68	the	the	DET
fsr-3263	109	69	year	year	NOUN
fsr-3263	109	70	in	in	ADP
fsr-3263	109	71	which	which	PRON
fsr-3263	109	72	the	the	DET
fsr-3263	109	73	survey	survey	NOUN
fsr-3263	109	74	was	be	AUX
fsr-3263	109	75	conducted	conduct	VERB
fsr-3263	109	76	,	,	PUNCT
fsr-3263	109	77	and	and	CCONJ
fsr-3263	109	78	the	the	DET
fsr-3263	109	79	face	face	NOUN
fsr-3263	109	80	amount	amount	NOUN
fsr-3263	109	81	of	of	ADP
fsr-3263	109	82	term	term	NOUN
fsr-3263	109	83	life	life	NOUN
fsr-3263	109	84	insurance	insurance	NOUN
fsr-3263	109	85	6	6	NUM
fsr-3263	109	86	.	.	PUNCT
fsr-3263	109	87	results	result	VERB
fsr-3263	109	88	the	the	DET
fsr-3263	109	89	results	result	NOUN
fsr-3263	109	90	for	for	ADP
fsr-3263	109	91	model	model	NOUN
fsr-3263	109	92	(	(	PUNCT
fsr-3263	109	93	a	a	X
fsr-3263	109	94	)	)	PUNCT
fsr-3263	109	95	are	be	AUX
fsr-3263	109	96	displayed	display	VERB
fsr-3263	109	97	in	in	ADP
fsr-3263	109	98	table	table	NOUN
fsr-3263	109	99	4	4	NUM
fsr-3263	109	100	.	.	PUNCT
fsr-3263	110	1	as	as	SCONJ
fsr-3263	110	2	household	household	NOUN
fsr-3263	110	3	size	size	NOUN
fsr-3263	110	4	rises	rise	VERB
fsr-3263	110	5	for	for	ADP
fsr-3263	110	6	black	black	ADJ
fsr-3263	110	7	and	and	CCONJ
fsr-3263	110	8	hispanic	hispanic	ADJ
fsr-3263	110	9	families	family	NOUN
fsr-3263	110	10	,	,	PUNCT
fsr-3263	110	11	the	the	DET
fsr-3263	110	12	likelihood	likelihood	NOUN
fsr-3263	110	13	of	of	ADP
fsr-3263	110	14	life	life	NOUN
fsr-3263	110	15	insurance	insurance	NOUN
fsr-3263	110	16	ownership	ownership	NOUN
fsr-3263	110	17	declines	decline	VERB
fsr-3263	110	18	.	.	PUNCT
fsr-3263	111	1	a	a	DET
fsr-3263	111	2	black	black	ADJ
fsr-3263	111	3	family	family	NOUN
fsr-3263	111	4	with	with	ADP
fsr-3263	111	5	a	a	DET
fsr-3263	111	6	household	household	NOUN
fsr-3263	111	7	size	size	NOUN
fsr-3263	111	8	of	of	ADP
fsr-3263	111	9	three	three	NUM
fsr-3263	111	10	is	be	AUX
fsr-3263	111	11	28.85%2	28.85%2	NUM
fsr-3263	111	12	less	less	ADV
fsr-3263	111	13	likely	likely	ADJ
fsr-3263	111	14	to	to	PART
fsr-3263	111	15	own	own	VERB
fsr-3263	111	16	life	life	NOUN
fsr-3263	111	17	insurance	insurance	NOUN
fsr-3263	111	18	compared	compare	VERB
fsr-3263	111	19	with	with	ADP
fsr-3263	111	20	a	a	DET
fsr-3263	111	21	non	non	ADJ
fsr-3263	111	22	-	-	ADJ
fsr-3263	111	23	black	black	ADJ
fsr-3263	111	24	family	family	NOUN
fsr-3263	111	25	of	of	ADP
fsr-3263	111	26	the	the	DET
fsr-3263	111	27	same	same	ADJ
fsr-3263	111	28	household	household	NOUN
fsr-3263	111	29	size	size	NOUN
fsr-3263	111	30	.	.	PUNCT
fsr-3263	112	1	a	a	DET
fsr-3263	112	2	black	black	ADJ
fsr-3263	112	3	household	household	NOUN
fsr-3263	112	4	with	with	ADP
fsr-3263	112	5	five	five	NUM
fsr-3263	112	6	or	or	CCONJ
fsr-3263	112	7	more	more	ADJ
fsr-3263	112	8	members	member	NOUN
fsr-3263	112	9	is	be	AUX
fsr-3263	112	10	53.55	53.55	NUM
fsr-3263	112	11	%	%	NOUN
fsr-3263	112	12	less	less	ADV
fsr-3263	112	13	likely	likely	ADJ
fsr-3263	112	14	to	to	PART
fsr-3263	112	15	own	own	VERB
fsr-3263	112	16	life	life	NOUN
fsr-3263	112	17	insurance	insurance	NOUN
fsr-3263	112	18	compared	compare	VERB
fsr-3263	112	19	with	with	ADP
fsr-3263	112	20	a	a	DET
fsr-3263	112	21	non	non	ADJ
fsr-3263	112	22	-	-	ADJ
fsr-3263	112	23	black	black	ADJ
fsr-3263	112	24	family	family	NOUN
fsr-3263	112	25	of	of	ADP
fsr-3263	112	26	a	a	DET
fsr-3263	112	27	comparable	comparable	ADJ
fsr-3263	112	28	household	household	NOUN
fsr-3263	112	29	size	size	NOUN
fsr-3263	112	30	.	.	PUNCT
fsr-3263	113	1	a	a	DET
fsr-3263	113	2	hispanic	hispanic	ADJ
fsr-3263	113	3	family	family	NOUN
fsr-3263	113	4	with	with	ADP
fsr-3263	113	5	a	a	DET
fsr-3263	113	6	household	household	NOUN
fsr-3263	113	7	size	size	NOUN
fsr-3263	113	8	of	of	ADP
fsr-3263	113	9	two	two	NUM
fsr-3263	113	10	is	be	AUX
fsr-3263	113	11	24.82	24.82	NUM
fsr-3263	113	12	%	%	NOUN
fsr-3263	113	13	less	less	ADV
fsr-3263	113	14	likely	likely	ADJ
fsr-3263	113	15	to	to	PART
fsr-3263	113	16	own	own	VERB
fsr-3263	113	17	life	life	NOUN
fsr-3263	113	18	insurance	insurance	NOUN
fsr-3263	113	19	compared	compare	VERB
fsr-3263	113	20	with	with	ADP
fsr-3263	113	21	a	a	DET
fsr-3263	113	22	non	non	ADJ
fsr-3263	113	23	-	-	ADJ
fsr-3263	113	24	hispanic	hispanic	ADJ
fsr-3263	113	25	family	family	NOUN
fsr-3263	113	26	of	of	ADP
fsr-3263	113	27	two	two	NUM
fsr-3263	113	28	.	.	PUNCT
fsr-3263	114	1	a	a	DET
fsr-3263	114	2	hispanic	hispanic	ADJ
fsr-3263	114	3	family	family	NOUN
fsr-3263	114	4	with	with	ADP
fsr-3263	114	5	five	five	NUM
fsr-3263	114	6	or	or	CCONJ
fsr-3263	114	7	more	more	ADJ
fsr-3263	114	8	members	member	NOUN
fsr-3263	114	9	is	be	AUX
fsr-3263	114	10	59.61	59.61	NUM
fsr-3263	114	11	%	%	NOUN
fsr-3263	114	12	less	less	ADV
fsr-3263	114	13	likely	likely	ADJ
fsr-3263	114	14	to	to	PART
fsr-3263	114	15	own	own	VERB
fsr-3263	114	16	life	life	NOUN
fsr-3263	114	17	insurance	insurance	NOUN
fsr-3263	114	18	compared	compare	VERB
fsr-3263	114	19	with	with	ADP
fsr-3263	114	20	a	a	DET
fsr-3263	114	21	non	non	ADJ
fsr-3263	114	22	-	-	ADJ
fsr-3263	114	23	hispanic	hispanic	ADJ
fsr-3263	114	24	family	family	NOUN
fsr-3263	114	25	of	of	ADP
fsr-3263	114	26	a	a	DET
fsr-3263	114	27	comparable	comparable	ADJ
fsr-3263	114	28	household	household	NOUN
fsr-3263	114	29	size	size	NOUN
fsr-3263	114	30	.	.	PUNCT
fsr-3263	115	1	fig	fig	NOUN
fsr-3263	115	2	.	.	PUNCT
fsr-3263	116	1	1	1	NUM
fsr-3263	116	2	graphically	graphically	ADV
fsr-3263	116	3	displays	display	VERB
fsr-3263	116	4	the	the	DET
fsr-3263	116	5	likelihood	likelihood	NOUN
fsr-3263	116	6	of	of	ADP
fsr-3263	116	7	life	life	NOUN
fsr-3263	116	8	insurance	insurance	NOUN
fsr-3263	116	9	ownership	ownership	NOUN
fsr-3263	116	10	for	for	ADP
fsr-3263	116	11	black	black	ADJ
fsr-3263	116	12	and	and	CCONJ
fsr-3263	116	13	hispanic	hispanic	ADJ
fsr-3263	116	14	families	family	NOUN
fsr-3263	116	15	as	as	SCONJ
fsr-3263	116	16	household	household	NOUN
fsr-3263	116	17	size	size	NOUN
fsr-3263	116	18	rises	rise	VERB
fsr-3263	116	19	.	.	PUNCT
fsr-3263	117	1	the	the	DET
fsr-3263	117	2	odds	odd	NOUN
fsr-3263	117	3	ratios	ratio	NOUN
fsr-3263	117	4	listed	list	VERB
fsr-3263	117	5	in	in	ADP
fsr-3263	117	6	figure	figure	NOUN
fsr-3263	117	7	1	1	NUM
fsr-3263	117	8	are	be	AUX
fsr-3263	117	9	statistically	statistically	ADV
fsr-3263	117	10	significant	significant	ADJ
fsr-3263	117	11	.	.	PUNCT
fsr-3263	118	1	tables	table	NOUN
fsr-3263	118	2	5	5	NUM
fsr-3263	118	3	and	and	CCONJ
fsr-3263	118	4	7	7	NUM
fsr-3263	118	5	display	display	VERB
fsr-3263	118	6	the	the	DET
fsr-3263	118	7	results	result	NOUN
fsr-3263	118	8	for	for	ADP
fsr-3263	118	9	model	model	NOUN
fsr-3263	118	10	(	(	PUNCT
fsr-3263	118	11	b	b	NOUN
fsr-3263	118	12	)	)	PUNCT
fsr-3263	118	13	,	,	PUNCT
fsr-3263	118	14	or	or	CCONJ
fsr-3263	118	15	the	the	DET
fsr-3263	118	16	relation	relation	NOUN
fsr-3263	118	17	between	between	ADP
fsr-3263	118	18	the	the	DET
fsr-3263	118	19	face	face	NOUN
fsr-3263	118	20	value	value	NOUN
fsr-3263	118	21	amount	amount	NOUN
fsr-3263	118	22	of	of	ADP
fsr-3263	118	23	term	term	NOUN
fsr-3263	118	24	life	life	NOUN
fsr-3263	118	25	insurance	insurance	NOUN
fsr-3263	118	26	and	and	CCONJ
fsr-3263	118	27	household	household	NOUN
fsr-3263	118	28	size	size	NOUN
fsr-3263	118	29	.	.	PUNCT
fsr-3263	119	1	for	for	ADP
fsr-3263	119	2	black	black	ADJ
fsr-3263	119	3	families	family	NOUN
fsr-3263	119	4	,	,	PUNCT
fsr-3263	119	5	as	as	SCONJ
fsr-3263	119	6	household	household	NOUN
fsr-3263	119	7	size	size	NOUN
fsr-3263	119	8	rises	rise	VERB
fsr-3263	119	9	the	the	DET
fsr-3263	119	10	conditional	conditional	ADJ
fsr-3263	119	11	mean	mean	NOUN
fsr-3263	119	12	face	face	NOUN
fsr-3263	119	13	amount	amount	NOUN
fsr-3263	119	14	of	of	ADP
fsr-3263	119	15	term	term	NOUN
fsr-3263	119	16	life	life	NOUN
fsr-3263	119	17	insurance	insurance	NOUN
fsr-3263	119	18	declines	decline	VERB
fsr-3263	119	19	.	.	PUNCT
fsr-3263	120	1	a	a	DET
fsr-3263	120	2	black	black	ADJ
fsr-3263	120	3	household	household	NOUN
fsr-3263	120	4	with	with	ADP
fsr-3263	120	5	two	two	NUM
fsr-3263	120	6	members	member	NOUN
fsr-3263	120	7	has	have	VERB
fsr-3263	120	8	$	$	SYM
fsr-3263	120	9	20,4753	20,4753	NUM
fsr-3263	120	10	less	less	ADJ
fsr-3263	120	11	term	term	NOUN
fsr-3263	120	12	life	life	NOUN
fsr-3263	120	13	insurance	insurance	NOUN
fsr-3263	120	14	compared	compare	VERB
fsr-3263	120	15	with	with	ADP
fsr-3263	120	16	a	a	DET
fsr-3263	120	17	non	non	ADJ
fsr-3263	120	18	-	-	ADJ
fsr-3263	120	19	black	black	ADJ
fsr-3263	120	20	family	family	NOUN
fsr-3263	120	21	of	of	ADP
fsr-3263	120	22	the	the	DET
fsr-3263	120	23	same	same	ADJ
fsr-3263	120	24	household	household	NOUN
fsr-3263	120	25	size	size	NOUN
fsr-3263	120	26	.	.	PUNCT
fsr-3263	121	1	a	a	DET
fsr-3263	121	2	black	black	ADJ
fsr-3263	121	3	family	family	NOUN
fsr-3263	121	4	of	of	ADP
fsr-3263	121	5	three	three	NUM
fsr-3263	121	6	has	have	VERB
fsr-3263	121	7	$	$	SYM
fsr-3263	121	8	74,038	74,038	NUM
fsr-3263	121	9	less	less	ADJ
fsr-3263	121	10	term	term	NOUN
fsr-3263	121	11	life	life	NOUN
fsr-3263	121	12	insurance	insurance	NOUN
fsr-3263	121	13	compared	compare	VERB
fsr-3263	121	14	with	with	ADP
fsr-3263	121	15	a	a	DET
fsr-3263	121	16	non	non	ADJ
fsr-3263	121	17	-	-	ADJ
fsr-3263	121	18	black	black	ADJ
fsr-3263	121	19	family	family	NOUN
fsr-3263	121	20	of	of	ADP
fsr-3263	121	21	three	three	NUM
fsr-3263	121	22	.	.	PUNCT
fsr-3263	122	1	the	the	DET
fsr-3263	122	2	face	face	NOUN
fsr-3263	122	3	value	value	NOUN
fsr-3263	122	4	of	of	ADP
fsr-3263	122	5	term	term	NOUN
fsr-3263	122	6	life	life	NOUN
fsr-3263	122	7	insurance	insurance	NOUN
fsr-3263	122	8	is	be	AUX
fsr-3263	122	9	$	$	SYM
fsr-3263	122	10	98,910	98,910	NUM
fsr-3263	122	11	less	less	ADJ
fsr-3263	122	12	for	for	ADP
fsr-3263	122	13	a	a	DET
fsr-3263	122	14	black	black	ADJ
fsr-3263	122	15	household	household	NOUN
fsr-3263	122	16	with	with	ADP
fsr-3263	122	17	five	five	NUM
fsr-3263	122	18	or	or	CCONJ
fsr-3263	122	19	more	more	ADJ
fsr-3263	122	20	members	member	NOUN
fsr-3263	122	21	compared	compare	VERB
fsr-3263	122	22	with	with	ADP
fsr-3263	122	23	a	a	DET
fsr-3263	122	24	non	non	ADJ
fsr-3263	122	25	-	-	ADJ
fsr-3263	122	26	black	black	ADJ
fsr-3263	122	27	family	family	NOUN
fsr-3263	122	28	of	of	ADP
fsr-3263	122	29	a	a	DET
fsr-3263	122	30	comparable	comparable	ADJ
fsr-3263	122	31	household	household	NOUN
fsr-3263	122	32	size	size	NOUN
fsr-3263	122	33	.	.	PUNCT
fsr-3263	123	1	the	the	DET
fsr-3263	123	2	average	average	ADJ
fsr-3263	123	3	face	face	NOUN
fsr-3263	123	4	amount	amount	NOUN
fsr-3263	123	5	of	of	ADP
fsr-3263	123	6	term	term	NOUN
fsr-3263	123	7	life	life	NOUN
fsr-3263	123	8	insurance	insurance	NOUN
fsr-3263	123	9	is	be	AUX
fsr-3263	123	10	$	$	SYM
fsr-3263	123	11	28,560	28,560	NUM
fsr-3263	123	12	less	less	ADJ
fsr-3263	123	13	for	for	ADP
fsr-3263	123	14	a	a	DET
fsr-3263	123	15	hispanic	hispanic	ADJ
fsr-3263	123	16	family	family	NOUN
fsr-3263	123	17	of	of	ADP
fsr-3263	123	18	four	four	NUM
fsr-3263	123	19	compared	compare	VERB
fsr-3263	123	20	with	with	ADP
fsr-3263	123	21	a	a	DET
fsr-3263	123	22	non	non	ADJ
fsr-3263	123	23	-	-	ADJ
fsr-3263	123	24	hispanic	hispanic	ADJ
fsr-3263	123	25	family	family	NOUN
fsr-3263	123	26	of	of	ADP
fsr-3263	123	27	the	the	DET
fsr-3263	123	28	same	same	ADJ
fsr-3263	123	29	household	household	NOUN
fsr-3263	123	30	size	size	NOUN
fsr-3263	123	31	.	.	PUNCT
fsr-3263	124	1	a	a	DET
fsr-3263	124	2	hispanic	hispanic	ADJ
fsr-3263	124	3	family	family	NOUN
fsr-3263	124	4	with	with	ADP
fsr-3263	124	5	five	five	NUM
fsr-3263	124	6	or	or	CCONJ
fsr-3263	124	7	more	more	ADJ
fsr-3263	124	8	members	member	NOUN
fsr-3263	124	9	has	have	VERB
fsr-3263	124	10	$	$	SYM
fsr-3263	124	11	68,583	68,583	NUM
fsr-3263	124	12	less	less	ADJ
fsr-3263	124	13	term	term	NOUN
fsr-3263	124	14	life	life	NOUN
fsr-3263	124	15	insurance	insurance	NOUN
fsr-3263	124	16	compared	compare	VERB
fsr-3263	124	17	with	with	ADP
fsr-3263	124	18	a	a	DET
fsr-3263	124	19	non	non	ADJ
fsr-3263	124	20	-	-	ADJ
fsr-3263	124	21	hispanic	hispanic	ADJ
fsr-3263	124	22	family	family	NOUN
fsr-3263	124	23	that	that	PRON
fsr-3263	124	24	is	be	AUX
fsr-3263	124	25	the	the	DET
fsr-3263	124	26	same	same	ADJ
fsr-3263	124	27	size	size	NOUN
fsr-3263	124	28	.	.	PUNCT
fsr-3263	125	1	fig	fig	NOUN
fsr-3263	125	2	.	.	PUNCT
fsr-3263	125	3	2	2	NUM
fsr-3263	125	4	graphically	graphically	ADV
fsr-3263	125	5	represents	represent	VERB
fsr-3263	125	6	the	the	DET
fsr-3263	125	7	results	result	NOUN
fsr-3263	125	8	in	in	ADP
fsr-3263	125	9	table	table	NOUN
fsr-3263	125	10	7	7	NUM
fsr-3263	125	11	.	.	PUNCT
fsr-3263	126	1	the	the	DET
fsr-3263	126	2	odds	odd	NOUN
fsr-3263	126	3	ratios	ratio	NOUN
fsr-3263	126	4	that	that	PRON
fsr-3263	126	5	are	be	AUX
fsr-3263	126	6	listed	list	VERB
fsr-3263	126	7	are	be	AUX
fsr-3263	126	8	statistically	statistically	ADV
fsr-3263	126	9	significant	significant	ADJ
fsr-3263	126	10	.	.	PUNCT
fsr-3263	127	1	the	the	DET
fsr-3263	127	2	results	result	NOUN
fsr-3263	127	3	for	for	ADP
fsr-3263	127	4	model	model	NOUN
fsr-3263	127	5	(	(	PUNCT
fsr-3263	127	6	c	c	NOUN
fsr-3263	127	7	)	)	PUNCT
fsr-3263	127	8	,	,	PUNCT
fsr-3263	127	9	or	or	CCONJ
fsr-3263	127	10	the	the	DET
fsr-3263	127	11	interaction	interaction	NOUN
fsr-3263	127	12	between	between	ADP
fsr-3263	127	13	the	the	DET
fsr-3263	127	14	face	face	NOUN
fsr-3263	127	15	amount	amount	NOUN
fsr-3263	127	16	of	of	ADP
fsr-3263	127	17	cash	cash	NOUN
fsr-3263	127	18	value	value	NOUN
fsr-3263	127	19	life	life	NOUN
fsr-3263	127	20	insurance	insurance	NOUN
fsr-3263	127	21	and	and	CCONJ
fsr-3263	127	22	household	household	NOUN
fsr-3263	127	23	size	size	NOUN
fsr-3263	127	24	,	,	PUNCT
fsr-3263	127	25	are	be	AUX
fsr-3263	127	26	shown	show	VERB
fsr-3263	127	27	in	in	ADP
fsr-3263	127	28	tables	table	NOUN
fsr-3263	127	29	6	6	NUM
fsr-3263	127	30	and	and	CCONJ
fsr-3263	127	31	8	8	NUM
fsr-3263	127	32	.	.	PUNCT
fsr-3263	128	1	as	as	SCONJ
fsr-3263	128	2	household	household	NOUN
fsr-3263	128	3	size	size	NOUN
fsr-3263	128	4	rises	rise	VERB
fsr-3263	128	5	the	the	DET
fsr-3263	128	6	conditional	conditional	ADJ
fsr-3263	128	7	mean	mean	NOUN
fsr-3263	128	8	face	face	NOUN
fsr-3263	128	9	amount	amount	NOUN
fsr-3263	128	10	of	of	ADP
fsr-3263	128	11	cash	cash	NOUN
fsr-3263	128	12	value	value	NOUN
fsr-3263	128	13	life	life	NOUN
fsr-3263	128	14	insurance	insurance	NOUN
fsr-3263	128	15	has	have	VERB
fsr-3263	128	16	a	a	DET
fsr-3263	128	17	statistically	statistically	ADV
fsr-3263	128	18	significant	significant	ADJ
fsr-3263	128	19	decline	decline	NOUN
fsr-3263	128	20	only	only	ADV
fsr-3263	128	21	for	for	ADP
fsr-3263	128	22	hispanic	hispanic	ADJ
fsr-3263	128	23	families	family	NOUN
fsr-3263	128	24	with	with	ADP
fsr-3263	128	25	a	a	DET
fsr-3263	128	26	household	household	NOUN
fsr-3263	128	27	size	size	NOUN
fsr-3263	128	28	of	of	ADP
fsr-3263	128	29	four	four	NUM
fsr-3263	128	30	or	or	CCONJ
fsr-3263	128	31	more	more	ADJ
fsr-3263	128	32	members	member	NOUN
fsr-3263	128	33	.	.	PUNCT
fsr-3263	129	1	a	a	DET
fsr-3263	129	2	hispanic	hispanic	ADJ
fsr-3263	129	3	family	family	NOUN
fsr-3263	129	4	with	with	ADP
fsr-3263	129	5	a	a	DET
fsr-3263	129	6	household	household	NOUN
fsr-3263	129	7	size	size	NOUN
fsr-3263	129	8	of	of	ADP
fsr-3263	129	9	four	four	NUM
fsr-3263	129	10	has	have	VERB
fsr-3263	129	11	a	a	DET
fsr-3263	129	12	face	face	NOUN
fsr-3263	129	13	amount	amount	NOUN
fsr-3263	129	14	of	of	ADP
fsr-3263	129	15	cash	cash	NOUN
fsr-3263	129	16	value	value	NOUN
fsr-3263	129	17	life	life	NOUN
fsr-3263	129	18	insurance	insurance	NOUN
fsr-3263	129	19	that	that	PRON
fsr-3263	129	20	is	be	AUX
fsr-3263	129	21	$	$	SYM
fsr-3263	129	22	24,092	24,092	NUM
fsr-3263	129	23	less	less	ADJ
fsr-3263	129	24	than	than	ADP
fsr-3263	129	25	a	a	DET
fsr-3263	129	26	non	non	ADJ
fsr-3263	129	27	-	-	ADJ
fsr-3263	129	28	hispanic	hispanic	ADJ
fsr-3263	129	29	family	family	NOUN
fsr-3263	129	30	of	of	ADP
fsr-3263	129	31	the	the	DET
fsr-3263	129	32	same	same	ADJ
fsr-3263	129	33	household	household	NOUN
fsr-3263	129	34	size	size	NOUN
fsr-3263	129	35	.	.	PUNCT
fsr-3263	130	1	a	a	DET
fsr-3263	130	2	hispanic	hispanic	ADJ
fsr-3263	130	3	family	family	NOUN
fsr-3263	130	4	with	with	ADP
fsr-3263	130	5	more	more	ADJ
fsr-3263	130	6	than	than	ADP
fsr-3263	130	7	four	four	NUM
fsr-3263	130	8	members	member	NOUN
fsr-3263	130	9	has	have	VERB
fsr-3263	130	10	a	a	DET
fsr-3263	130	11	face	face	NOUN
fsr-3263	130	12	amount	amount	NOUN
fsr-3263	130	13	of	of	ADP
fsr-3263	130	14	cash	cash	NOUN
fsr-3263	130	15	value	value	NOUN
fsr-3263	130	16	life	life	NOUN
fsr-3263	130	17	insurance	insurance	NOUN
fsr-3263	130	18	that	that	PRON
fsr-3263	130	19	is	be	AUX
fsr-3263	130	20	$	$	SYM
fsr-3263	130	21	27,680	27,680	NUM
fsr-3263	130	22	less	less	ADJ
fsr-3263	130	23	than	than	ADP
fsr-3263	130	24	a	a	DET
fsr-3263	130	25	non	non	ADJ
fsr-3263	130	26	-	-	ADJ
fsr-3263	130	27	hispanic	hispanic	ADJ
fsr-3263	130	28	family	family	NOUN
fsr-3263	130	29	of	of	ADP
fsr-3263	130	30	a	a	DET
fsr-3263	130	31	comparable	comparable	ADJ
fsr-3263	130	32	household	household	NOUN
fsr-3263	130	33	size	size	NOUN
fsr-3263	130	34	.	.	PUNCT
fsr-3263	131	1	7	7	X
fsr-3263	131	2	.	.	X
fsr-3263	131	3	conclusions	conclusion	NOUN
fsr-3263	131	4	the	the	DET
fsr-3263	131	5	multivariate	multivariate	NOUN
fsr-3263	131	6	results	result	NOUN
fsr-3263	131	7	indicate	indicate	VERB
fsr-3263	131	8	a	a	DET
fsr-3263	131	9	negative	negative	ADJ
fsr-3263	131	10	relation	relation	NOUN
fsr-3263	131	11	between	between	ADP
fsr-3263	131	12	household	household	NOUN
fsr-3263	131	13	size	size	NOUN
fsr-3263	131	14	and	and	CCONJ
fsr-3263	131	15	the	the	DET
fsr-3263	131	16	ownership	ownership	NOUN
fsr-3263	131	17	of	of	ADP
fsr-3263	131	18	life	life	NOUN
fsr-3263	131	19	insurance	insurance	NOUN
fsr-3263	131	20	for	for	ADP
fsr-3263	131	21	black	black	ADJ
fsr-3263	131	22	and	and	CCONJ
fsr-3263	131	23	hispanic	hispanic	ADJ
fsr-3263	131	24	families	family	NOUN
fsr-3263	131	25	when	when	SCONJ
fsr-3263	131	26	controlling	control	VERB
fsr-3263	131	27	for	for	ADP
fsr-3263	131	28	a	a	DET
fsr-3263	131	29	variety	variety	NOUN
fsr-3263	131	30	43m.a	43m.a	NOUN
fsr-3263	131	31	.	.	PUNCT
fsr-3263	132	1	guillemette	guillemette	PROPN
fsr-3263	132	2	et	et	PROPN
fsr-3263	132	3	al	al	PROPN
fsr-3263	132	4	.	.	PUNCT
fsr-3263	132	5	/	/	SYM
fsr-3263	132	6	financial	financial	ADJ
fsr-3263	132	7	services	service	NOUN
fsr-3263	132	8	review	review	VERB
fsr-3263	132	9	24	24	NUM
fsr-3263	132	10	(	(	PUNCT
fsr-3263	132	11	2015	2015	NUM
fsr-3263	132	12	)	)	PUNCT
fsr-3263	132	13	37–50	37–50	NUM
fsr-3263	132	14	of	of	ADP
fsr-3263	132	15	demographic	demographic	ADJ
fsr-3263	132	16	and	and	CCONJ
fsr-3263	132	17	socioeconomic	socioeconomic	ADJ
fsr-3263	132	18	variables	variable	NOUN
fsr-3263	132	19	.	.	PUNCT
fsr-3263	133	1	the	the	DET
fsr-3263	133	2	conditional	conditional	ADJ
fsr-3263	133	3	mean	mean	NOUN
fsr-3263	133	4	face	face	NOUN
fsr-3263	133	5	value	value	NOUN
fsr-3263	133	6	amount	amount	NOUN
fsr-3263	133	7	of	of	ADP
fsr-3263	133	8	term	term	NOUN
fsr-3263	133	9	life	life	NOUN
fsr-3263	133	10	insurance	insurance	NOUN
fsr-3263	133	11	declines	decline	VERB
fsr-3263	133	12	for	for	ADP
fsr-3263	133	13	black	black	ADJ
fsr-3263	133	14	families	family	NOUN
fsr-3263	133	15	as	as	ADP
fsr-3263	133	16	household	household	NOUN
fsr-3263	133	17	size	size	NOUN
fsr-3263	133	18	rises	rise	NOUN
fsr-3263	133	19	compared	compare	VERB
fsr-3263	133	20	with	with	ADP
fsr-3263	133	21	non	non	ADJ
fsr-3263	133	22	-	-	ADJ
fsr-3263	133	23	black	black	ADJ
fsr-3263	133	24	families	family	NOUN
fsr-3263	133	25	.	.	PUNCT
fsr-3263	134	1	this	this	DET
fsr-3263	134	2	relation	relation	NOUN
fsr-3263	134	3	is	be	AUX
fsr-3263	134	4	statistically	statistically	ADV
fsr-3263	134	5	significant	significant	ADJ
fsr-3263	134	6	for	for	ADP
fsr-3263	134	7	all	all	DET
fsr-3263	134	8	black	black	ADJ
fsr-3263	134	9	household	household	NOUN
fsr-3263	134	10	sizes	size	NOUN
fsr-3263	134	11	.	.	PUNCT
fsr-3263	135	1	the	the	DET
fsr-3263	135	2	table	table	NOUN
fsr-3263	135	3	4	4	NUM
fsr-3263	135	4	ownership	ownership	NOUN
fsr-3263	135	5	of	of	ADP
fsr-3263	135	6	life	life	NOUN
fsr-3263	135	7	insurance	insurance	NOUN
fsr-3263	135	8	parameter	parameter	NOUN
fsr-3263	135	9	estimate	estimate	NOUN
fsr-3263	135	10	se	se	PROPN
fsr-3263	135	11	odds	odds	PROPN
fsr-3263	135	12	ratio	ratio	NOUN
fsr-3263	135	13	intercept	intercept	PROPN
fsr-3263	135	14	�	�	PROPN
fsr-3263	135	15	1.092	1.092	NUM
fsr-3263	135	16	*	*	PUNCT
fsr-3263	135	17	*	*	X
fsr-3263	135	18	0.0889	0.0889	NUM
fsr-3263	135	19	not	not	PART
fsr-3263	135	20	employed	employ	VERB
fsr-3263	135	21	�	�	NOUN
fsr-3263	135	22	0.833	0.833	NUM
fsr-3263	135	23	*	*	NOUN
fsr-3263	135	24	*	*	PUNCT
fsr-3263	135	25	0.0406	0.0406	NUM
fsr-3263	135	26	0.435	0.435	NUM
fsr-3263	135	27	male	male	PROPN
fsr-3263	135	28	�	�	PROPN
fsr-3263	135	29	0.0021	0.0021	NUM
fsr-3263	135	30	0.0446	0.0446	NUM
fsr-3263	135	31	0.998	0.998	NUM
fsr-3263	135	32	age	age	NOUN
fsr-3263	135	33	0.0124	0.0124	NUM
fsr-3263	135	34	*	*	PUNCT
fsr-3263	135	35	*	*	PROPN
fsr-3263	135	36	0.0012	0.0012	NUM
fsr-3263	135	37	1.012	1.012	NUM
fsr-3263	135	38	income	income	NOUN
fsr-3263	135	39	(	(	PUNCT
fsr-3263	135	40	q2	q2	NOUN
fsr-3263	135	41	)	)	PUNCT
fsr-3263	135	42	0.5637	0.5637	NUM
fsr-3263	135	43	*	*	X
fsr-3263	135	44	*	*	PUNCT
fsr-3263	135	45	0.0388	0.0388	NUM
fsr-3263	135	46	1.757	1.757	NUM
fsr-3263	135	47	income	income	NOUN
fsr-3263	135	48	(	(	PUNCT
fsr-3263	135	49	q3	q3	PROPN
fsr-3263	135	50	)	)	PUNCT
fsr-3263	135	51	0.8704	0.8704	NUM
fsr-3263	135	52	*	*	X
fsr-3263	135	53	*	*	PUNCT
fsr-3263	135	54	0.0496	0.0496	NUM
fsr-3263	135	55	2.388	2.388	NUM
fsr-3263	135	56	income	income	NOUN
fsr-3263	135	57	(	(	PUNCT
fsr-3263	135	58	q4	q4	PROPN
fsr-3263	135	59	)	)	PUNCT
fsr-3263	135	60	1.0568	1.0568	NUM
fsr-3263	135	61	*	*	PUNCT
fsr-3263	135	62	*	*	PUNCT
fsr-3263	135	63	0.0687	0.0687	NUM
fsr-3263	135	64	2.877	2.877	NUM
fsr-3263	135	65	net	net	ADJ
fsr-3263	135	66	worth	worth	NOUN
fsr-3263	135	67	(	(	PUNCT
fsr-3263	135	68	q2	q2	NOUN
fsr-3263	135	69	)	)	PUNCT
fsr-3263	135	70	0.5274	0.5274	NUM
fsr-3263	135	71	*	*	PUNCT
fsr-3263	135	72	*	*	NOUN
fsr-3263	135	73	0.0457	0.0457	NUM
fsr-3263	135	74	1.695	1.695	NUM
fsr-3263	135	75	net	net	ADJ
fsr-3263	135	76	worth	worth	NOUN
fsr-3263	135	77	(	(	PUNCT
fsr-3263	135	78	q3	q3	PROPN
fsr-3263	135	79	)	)	PUNCT
fsr-3263	135	80	0.4417	0.4417	NUM
fsr-3263	135	81	*	*	PUNCT
fsr-3263	135	82	*	*	PUNCT
fsr-3263	135	83	0.0596	0.0596	NUM
fsr-3263	135	84	1.555	1.555	NUM
fsr-3263	135	85	net	net	ADJ
fsr-3263	135	86	worth	worth	NOUN
fsr-3263	135	87	(	(	PUNCT
fsr-3263	135	88	q4	q4	PROPN
fsr-3263	135	89	)	)	PUNCT
fsr-3263	135	90	0.0985	0.0985	NUM
fsr-3263	135	91	0.0824	0.0824	NUM
fsr-3263	135	92	1.103	1.103	NUM
fsr-3263	135	93	degree	degree	NOUN
fsr-3263	135	94	0.1306	0.1306	NUM
fsr-3263	135	95	*	*	PUNCT
fsr-3263	135	96	*	*	PUNCT
fsr-3263	135	97	0.0332	0.0332	NUM
fsr-3263	135	98	1.140	1.140	NUM
fsr-3263	135	99	married	marry	VERB
fsr-3263	135	100	0.4226	0.4226	NUM
fsr-3263	135	101	*	*	PUNCT
fsr-3263	135	102	*	*	PUNCT
fsr-3263	136	1	0.0525	0.0525	NUM
fsr-3263	136	2	1.526	1.526	NUM
fsr-3263	136	3	child	child	NOUN
fsr-3263	136	4	0.2816	0.2816	NUM
fsr-3263	136	5	*	*	PUNCT
fsr-3263	136	6	*	*	PUNCT
fsr-3263	136	7	0.0542	0.0542	NUM
fsr-3263	136	8	1.325	1.325	NUM
fsr-3263	136	9	homeowner	homeowner	NOUN
fsr-3263	136	10	0.4364	0.4364	NUM
fsr-3263	136	11	*	*	PUNCT
fsr-3263	136	12	*	*	PUNCT
fsr-3263	136	13	0.0402	0.0402	NUM
fsr-3263	136	14	1.547	1.547	NUM
fsr-3263	136	15	self	self	NOUN
fsr-3263	136	16	-	-	PUNCT
fsr-3263	136	17	employed	employ	VERB
fsr-3263	136	18	�	�	NOUN
fsr-3263	136	19	0.4688	0.4688	NUM
fsr-3263	136	20	*	*	PUNCT
fsr-3263	136	21	*	*	PUNCT
fsr-3263	136	22	0.0418	0.0418	NUM
fsr-3263	136	23	0.626	0.626	NUM
fsr-3263	136	24	healthy	healthy	ADJ
fsr-3263	136	25	0.00267	0.00267	NUM
fsr-3263	136	26	0.0359	0.0359	NUM
fsr-3263	136	27	1.003	1.003	NUM
fsr-3263	136	28	sizable	sizable	ADJ
fsr-3263	136	29	estate	estate	NOUN
fsr-3263	136	30	0.0261	0.0261	NUM
fsr-3263	136	31	0.0314	0.0314	NUM
fsr-3263	136	32	1.026	1.026	NUM
fsr-3263	136	33	liquid	liquid	ADJ
fsr-3263	136	34	assets	asset	NOUN
fsr-3263	136	35	(	(	PUNCT
fsr-3263	136	36	q2	q2	NOUN
fsr-3263	136	37	)	)	PUNCT
fsr-3263	136	38	0.5815	0.5815	NOUN
fsr-3263	136	39	*	*	PUNCT
fsr-3263	136	40	*	*	PUNCT
fsr-3263	136	41	0.0404	0.0404	NUM
fsr-3263	136	42	1.789	1.789	NUM
fsr-3263	136	43	liquid	liquid	ADJ
fsr-3263	136	44	assets	asset	NOUN
fsr-3263	136	45	(	(	PUNCT
fsr-3263	136	46	q3	q3	NOUN
fsr-3263	136	47	)	)	PUNCT
fsr-3263	136	48	0.5562	0.5562	NUM
fsr-3263	136	49	*	*	PUNCT
fsr-3263	136	50	*	*	PUNCT
fsr-3263	136	51	0.0492	0.0492	NUM
fsr-3263	136	52	1.744	1.744	NUM
fsr-3263	136	53	liquid	liquid	ADJ
fsr-3263	136	54	assets	asset	NOUN
fsr-3263	136	55	(	(	PUNCT
fsr-3263	136	56	q4	q4	PROPN
fsr-3263	136	57	)	)	PUNCT
fsr-3263	136	58	0.404	0.404	NUM
fsr-3263	136	59	*	*	PUNCT
fsr-3263	136	60	*	*	PUNCT
fsr-3263	136	61	0.0617	0.0617	NUM
fsr-3263	136	62	1.498	1.498	NUM
fsr-3263	136	63	substantial	substantial	ADJ
fsr-3263	136	64	risk	risk	NOUN
fsr-3263	136	65	�	�	NOUN
fsr-3263	136	66	0.126	0.126	NUM
fsr-3263	136	67	*	*	NUM
fsr-3263	136	68	0.0619	0.0619	NUM
fsr-3263	136	69	0.882	0.882	NUM
fsr-3263	136	70	1995	1995	NUM
fsr-3263	136	71	�	�	NOUN
fsr-3263	136	72	0.0583	0.0583	NUM
fsr-3263	136	73	0.0575	0.0575	NUM
fsr-3263	136	74	0.943	0.943	NUM
fsr-3263	136	75	1998	1998	NUM
fsr-3263	136	76	�	�	NOUN
fsr-3263	136	77	0.2641	0.2641	NUM
fsr-3263	136	78	*	*	NOUN
fsr-3263	136	79	*	*	PUNCT
fsr-3263	137	1	0.0566	0.0566	NUM
fsr-3263	137	2	0.768	0.768	NUM
fsr-3263	137	3	2001	2001	NUM
fsr-3263	137	4	�	�	NOUN
fsr-3263	137	5	0.3721	0.3721	NUM
fsr-3263	137	6	*	*	NOUN
fsr-3263	137	7	*	*	PUNCT
fsr-3263	137	8	0.0561	0.0561	NUM
fsr-3263	137	9	0.689	0.689	NUM
fsr-3263	137	10	2004	2004	NUM
fsr-3263	137	11	�	�	NOUN
fsr-3263	137	12	0.5121	0.5121	NUM
fsr-3263	137	13	*	*	PUNCT
fsr-3263	137	14	*	*	PUNCT
fsr-3263	137	15	0.0554	0.0554	NUM
fsr-3263	137	16	0.599	0.599	NUM
fsr-3263	137	17	2007	2007	NUM
fsr-3263	137	18	�	�	NOUN
fsr-3263	137	19	0.5783	0.5783	NUM
fsr-3263	137	20	*	*	NOUN
fsr-3263	137	21	*	*	NOUN
fsr-3263	137	22	0.0556	0.0556	NUM
fsr-3263	137	23	0.561	0.561	NUM
fsr-3263	137	24	2010	2010	NUM
fsr-3263	137	25	�	�	NOUN
fsr-3263	137	26	0.5856	0.5856	NUM
fsr-3263	137	27	*	*	PUNCT
fsr-3263	137	28	*	*	PUNCT
fsr-3263	137	29	0.0513	0.0513	NUM
fsr-3263	137	30	0.557	0.557	NUM
fsr-3263	137	31	black	black	ADJ
fsr-3263	137	32	(	(	PUNCT
fsr-3263	137	33	b	b	NOUN
fsr-3263	137	34	)	)	PUNCT
fsr-3263	137	35	1.0399	1.0399	NUM
fsr-3263	137	36	*	*	PUNCT
fsr-3263	137	37	*	*	PUNCT
fsr-3263	137	38	0.0838	0.0838	NUM
fsr-3263	137	39	2.829	2.829	NUM
fsr-3263	137	40	hispanic	hispanic	ADJ
fsr-3263	137	41	(	(	PUNCT
fsr-3263	137	42	h	h	NOUN
fsr-3263	137	43	)	)	PUNCT
fsr-3263	137	44	�	�	NOUN
fsr-3263	137	45	0.3993	0.3993	NUM
fsr-3263	137	46	*	*	NOUN
fsr-3263	137	47	*	*	NOUN
fsr-3263	137	48	0.1400	0.1400	NUM
fsr-3263	137	49	0.671	0.671	NUM
fsr-3263	137	50	other	other	ADJ
fsr-3263	137	51	(	(	PUNCT
fsr-3263	137	52	o	o	NOUN
fsr-3263	137	53	)	)	PUNCT
fsr-3263	137	54	�	�	PROPN
fsr-3263	137	55	0.3267	0.3267	NUM
fsr-3263	137	56	*	*	PUNCT
fsr-3263	137	57	0.1542	0.1542	NUM
fsr-3263	137	58	0.721	0.721	NUM
fsr-3263	137	59	household	household	NOUN
fsr-3263	137	60	size	size	NOUN
fsr-3263	137	61	2	2	NUM
fsr-3263	137	62	(	(	PUNCT
fsr-3263	137	63	hhs2	hhs2	NOUN
fsr-3263	137	64	)	)	PUNCT
fsr-3263	137	65	0.1528	0.1528	NUM
fsr-3263	137	66	*	*	PUNCT
fsr-3263	137	67	*	*	PUNCT
fsr-3263	137	68	0.0536	0.0536	NUM
fsr-3263	137	69	1.165	1.165	NUM
fsr-3263	137	70	household	household	NOUN
fsr-3263	137	71	size	size	NOUN
fsr-3263	137	72	3	3	NUM
fsr-3263	137	73	(	(	PUNCT
fsr-3263	137	74	hhs3	hhs3	PROPN
fsr-3263	137	75	)	)	PUNCT
fsr-3263	137	76	0.1066	0.1066	NUM
fsr-3263	137	77	0.0825	0.0825	NUM
fsr-3263	137	78	1.112	1.112	NUM
fsr-3263	137	79	household	household	NOUN
fsr-3263	137	80	size	size	NOUN
fsr-3263	137	81	4	4	NUM
fsr-3263	137	82	(	(	PUNCT
fsr-3263	137	83	hhs4	hhs4	PROPN
fsr-3263	137	84	)	)	PUNCT
fsr-3263	137	85	0.251	0.251	NUM
fsr-3263	137	86	*	*	PUNCT
fsr-3263	137	87	*	*	PUNCT
fsr-3263	137	88	0.0919	0.0919	NUM
fsr-3263	137	89	1.285	1.285	NUM
fsr-3263	137	90	household	household	NOUN
fsr-3263	137	91	size	size	NOUN
fsr-3263	137	92	5	5	NUM
fsr-3263	137	93	�	�	PROPN
fsr-3263	137	94	(	(	PUNCT
fsr-3263	137	95	hhs5p	hhs5p	PROPN
fsr-3263	137	96	)	)	PUNCT
fsr-3263	137	97	0.1794	0.1794	NUM
fsr-3263	137	98	0.0975	0.0975	NUM
fsr-3263	137	99	1.197	1.197	NUM
fsr-3263	137	100	bhhs2	bhhs2	NOUN
fsr-3263	137	101	�	�	NOUN
fsr-3263	137	102	0.2786	0.2786	NUM
fsr-3263	137	103	*	*	PUNCT
fsr-3263	137	104	0.1174	0.1174	NUM
fsr-3263	137	105	0.8818	0.8818	NUM
fsr-3263	137	106	bhhs3	bhhs3	NOUN
fsr-3263	137	107	�	�	PROPN
fsr-3263	137	108	0.447	0.447	NUM
fsr-3263	137	109	*	*	NOUN
fsr-3263	137	110	*	*	NOUN
fsr-3263	138	1	0.1352	0.1352	NUM
fsr-3263	138	2	0.7115	0.7115	NUM
fsr-3263	138	3	bhhs4	bhhs4	X
fsr-3263	138	4	�	�	PROPN
fsr-3263	138	5	0.7646	0.7646	NUM
fsr-3263	138	6	*	*	PUNCT
fsr-3263	138	7	*	*	PROPN
fsr-3263	138	8	0.1535	0.1535	NUM
fsr-3263	138	9	0.5983	0.5983	NUM
fsr-3263	138	10	bhhs5p	bhhs5p	PROPN
fsr-3263	138	11	�	�	PROPN
fsr-3263	139	1	0.9463	0.9463	NUM
fsr-3263	139	2	*	*	PUNCT
fsr-3263	139	3	*	*	PUNCT
fsr-3263	139	4	0.1569	0.1569	NUM
fsr-3263	139	5	0.4645	0.4645	NUM
fsr-3263	139	6	hhhs2	hhhs2	NOUN
fsr-3263	139	7	�	�	NOUN
fsr-3263	139	8	0.4381	0.4381	NOUN
fsr-3263	139	9	*	*	PUNCT
fsr-3263	139	10	0.1751	0.1751	NUM
fsr-3263	139	11	0.7518	0.7518	NUM
fsr-3263	139	12	hhhs3	hhhs3	PROPN
fsr-3263	139	13	�	�	PROPN
fsr-3263	139	14	0.5052	0.5052	NUM
fsr-3263	139	15	*	*	NOUN
fsr-3263	139	16	*	*	NOUN
fsr-3263	139	17	0.183	0.183	NUM
fsr-3263	139	18	0.6713	0.6713	NUM
fsr-3263	139	19	hhhs4	hhhs4	NOUN
fsr-3263	139	20	�	�	NOUN
fsr-3263	139	21	0.6937	0.6937	NUM
fsr-3263	139	22	*	*	X
fsr-3263	139	23	*	*	PUNCT
fsr-3263	139	24	0.1804	0.1804	NUM
fsr-3263	139	25	0.6423	0.6423	NUM
fsr-3263	139	26	hhhs5p	hhhs5p	PROPN
fsr-3263	139	27	�	�	PROPN
fsr-3263	139	28	1.0859	1.0859	NUM
fsr-3263	139	29	*	*	NOUN
fsr-3263	139	30	*	*	NOUN
fsr-3263	139	31	0.1791	0.1791	NUM
fsr-3263	139	32	0.4039	0.4039	NUM
fsr-3263	139	33	ohhs2	ohhs2	NOUN
fsr-3263	139	34	0.1891	0.1891	NUM
fsr-3263	139	35	0.1971	0.1971	NUM
fsr-3263	139	36	1.4076	1.4076	NUM
fsr-3263	139	37	ohhs3	ohhs3	NOUN
fsr-3263	139	38	0.0341	0.0341	NUM
fsr-3263	139	39	0.2177	0.2177	NUM
fsr-3263	139	40	1.1511	1.1511	NUM
fsr-3263	139	41	ohhs4	ohhs4	NOUN
fsr-3263	139	42	�	�	NOUN
fsr-3263	139	43	0.1363	0.1363	NUM
fsr-3263	139	44	0.2356	0.2356	NUM
fsr-3263	139	45	1.1215	1.1215	NUM
fsr-3263	139	46	ohhs5p	ohhs5p	VERB
fsr-3263	139	47	�	�	NOUN
fsr-3263	139	48	0.2618	0.2618	NUM
fsr-3263	140	1	0.2383	0.2383	NUM
fsr-3263	140	2	0.9209	0.9209	NUM
fsr-3263	140	3	*	*	PUNCT
fsr-3263	140	4	p	p	X
fsr-3263	140	5	�	�	PROPN
fsr-3263	140	6	0.05	0.05	NUM
fsr-3263	140	7	;	;	PUNCT
fsr-3263	140	8	*	*	PUNCT
fsr-3263	140	9	*	*	PUNCT
fsr-3263	140	10	p	p	X
fsr-3263	140	11	�	�	PROPN
fsr-3263	140	12	0.01	0.01	NUM
fsr-3263	140	13	.	.	PUNCT
fsr-3263	141	1	44	44	NUM
fsr-3263	141	2	m.a	m.a	PROPN
fsr-3263	141	3	.	.	PROPN
fsr-3263	141	4	guillemette	guillemette	PROPN
fsr-3263	141	5	et	et	PROPN
fsr-3263	141	6	al	al	PROPN
fsr-3263	141	7	.	.	PUNCT
fsr-3263	141	8	/	/	SYM
fsr-3263	141	9	financial	financial	ADJ
fsr-3263	141	10	services	service	NOUN
fsr-3263	141	11	review	review	VERB
fsr-3263	141	12	24	24	NUM
fsr-3263	141	13	(	(	PUNCT
fsr-3263	141	14	2015	2015	NUM
fsr-3263	141	15	)	)	PUNCT
fsr-3263	141	16	37–50	37–50	NUM
fsr-3263	141	17	conditional	conditional	ADJ
fsr-3263	141	18	mean	mean	NOUN
fsr-3263	141	19	face	face	NOUN
fsr-3263	141	20	value	value	NOUN
fsr-3263	141	21	amount	amount	NOUN
fsr-3263	141	22	of	of	ADP
fsr-3263	141	23	term	term	NOUN
fsr-3263	141	24	and	and	CCONJ
fsr-3263	141	25	cash	cash	NOUN
fsr-3263	141	26	value	value	NOUN
fsr-3263	141	27	life	life	NOUN
fsr-3263	141	28	insurance	insurance	NOUN
fsr-3263	141	29	declines	decline	VERB
fsr-3263	141	30	for	for	ADP
fsr-3263	141	31	larger	large	ADJ
fsr-3263	141	32	hispanic	hispanic	ADJ
fsr-3263	141	33	families	family	NOUN
fsr-3263	141	34	as	as	ADP
fsr-3263	141	35	household	household	NOUN
fsr-3263	141	36	size	size	NOUN
fsr-3263	141	37	rises	rise	VERB
fsr-3263	141	38	from	from	ADP
fsr-3263	141	39	four	four	NUM
fsr-3263	141	40	to	to	PART
fsr-3263	141	41	five	five	NUM
fsr-3263	141	42	or	or	CCONJ
fsr-3263	141	43	more	more	ADJ
fsr-3263	141	44	members	member	NOUN
fsr-3263	141	45	.	.	PUNCT
fsr-3263	142	1	8	8	X
fsr-3263	142	2	.	.	PUNCT
fsr-3263	142	3	implications	implication	NOUN
fsr-3263	142	4	and	and	CCONJ
fsr-3263	142	5	future	future	ADJ
fsr-3263	142	6	research	research	NOUN
fsr-3263	142	7	our	our	PRON
fsr-3263	142	8	findings	finding	NOUN
fsr-3263	142	9	suggest	suggest	VERB
fsr-3263	142	10	that	that	SCONJ
fsr-3263	142	11	black	black	ADJ
fsr-3263	142	12	and	and	CCONJ
fsr-3263	142	13	hispanic	hispanic	ADJ
fsr-3263	142	14	families	family	NOUN
fsr-3263	142	15	used	use	VERB
fsr-3263	142	16	household	household	NOUN
fsr-3263	142	17	members	member	NOUN
fsr-3263	142	18	as	as	ADP
fsr-3263	142	19	a	a	DET
fsr-3263	142	20	substitute	substitute	NOUN
fsr-3263	142	21	for	for	ADP
fsr-3263	142	22	life	life	NOUN
fsr-3263	142	23	insurance	insurance	NOUN
fsr-3263	142	24	between	between	ADP
fsr-3263	142	25	1992	1992	NUM
fsr-3263	142	26	and	and	CCONJ
fsr-3263	142	27	2010	2010	NUM
fsr-3263	142	28	.	.	PUNCT
fsr-3263	143	1	the	the	DET
fsr-3263	143	2	use	use	NOUN
fsr-3263	143	3	of	of	ADP
fsr-3263	143	4	household	household	NOUN
fsr-3263	143	5	members	member	NOUN
fsr-3263	143	6	as	as	ADP
fsr-3263	143	7	a	a	DET
fsr-3263	143	8	life	life	NOUN
fsr-3263	143	9	insurance	insurance	NOUN
fsr-3263	143	10	substitute	substitute	NOUN
fsr-3263	143	11	is	be	AUX
fsr-3263	143	12	not	not	PART
fsr-3263	143	13	utility	utility	NOUN
fsr-3263	143	14	maximizing	maximizing	NOUN
fsr-3263	143	15	and	and	CCONJ
fsr-3263	143	16	a	a	DET
fsr-3263	143	17	contingent	contingent	NOUN
fsr-3263	143	18	claim	claim	NOUN
fsr-3263	143	19	should	should	AUX
fsr-3263	143	20	be	be	AUX
fsr-3263	143	21	purchased	purchase	VERB
fsr-3263	143	22	to	to	PART
fsr-3263	143	23	replace	replace	VERB
fsr-3263	143	24	the	the	DET
fsr-3263	143	25	lost	lost	ADJ
fsr-3263	143	26	human	human	ADJ
fsr-3263	143	27	capital	capital	NOUN
fsr-3263	143	28	in	in	ADP
fsr-3263	143	29	the	the	DET
fsr-3263	143	30	event	event	NOUN
fsr-3263	143	31	of	of	ADP
fsr-3263	143	32	a	a	DET
fsr-3263	143	33	household	household	NOUN
fsr-3263	143	34	member	member	NOUN
fsr-3263	143	35	’s	’s	PART
fsr-3263	143	36	death	death	NOUN
fsr-3263	143	37	.	.	PUNCT
fsr-3263	144	1	financial	financial	ADJ
fsr-3263	144	2	planners	planner	NOUN
fsr-3263	144	3	or	or	CCONJ
fsr-3263	144	4	life	life	NOUN
fsr-3263	144	5	insurance	insurance	NOUN
fsr-3263	144	6	agents	agent	NOUN
fsr-3263	144	7	can	can	AUX
fsr-3263	144	8	use	use	VERB
fsr-3263	144	9	these	these	DET
fsr-3263	144	10	findings	finding	NOUN
fsr-3263	144	11	to	to	PART
fsr-3263	144	12	help	help	VERB
fsr-3263	144	13	ensure	ensure	VERB
fsr-3263	144	14	that	that	SCONJ
fsr-3263	144	15	black	black	ADJ
fsr-3263	144	16	households	household	NOUN
fsr-3263	144	17	and	and	CCONJ
fsr-3263	144	18	larger	large	ADJ
fsr-3263	144	19	hispanic	hispanic	ADJ
fsr-3263	144	20	households	household	NOUN
fsr-3263	144	21	are	be	AUX
fsr-3263	144	22	adequately	adequately	ADV
fsr-3263	144	23	insured	insure	VERB
fsr-3263	144	24	.	.	PUNCT
fsr-3263	145	1	one	one	NUM
fsr-3263	145	2	possible	possible	ADJ
fsr-3263	145	3	explanation	explanation	NOUN
fsr-3263	145	4	for	for	ADP
fsr-3263	145	5	why	why	SCONJ
fsr-3263	145	6	black	black	ADJ
fsr-3263	145	7	families	family	NOUN
fsr-3263	145	8	act	act	VERB
fsr-3263	145	9	as	as	SCONJ
fsr-3263	145	10	though	though	SCONJ
fsr-3263	145	11	household	household	NOUN
fsr-3263	145	12	members	member	NOUN
fsr-3263	145	13	are	be	AUX
fsr-3263	145	14	a	a	DET
fsr-3263	145	15	substitute	substitute	NOUN
fsr-3263	145	16	for	for	ADP
fsr-3263	145	17	the	the	DET
fsr-3263	145	18	face	face	NOUN
fsr-3263	145	19	value	value	NOUN
fsr-3263	145	20	amount	amount	NOUN
fsr-3263	145	21	of	of	ADP
fsr-3263	145	22	term	term	NOUN
fsr-3263	145	23	life	life	NOUN
fsr-3263	145	24	insurance	insurance	NOUN
fsr-3263	145	25	,	,	PUNCT
fsr-3263	145	26	but	but	CCONJ
fsr-3263	145	27	not	not	PART
fsr-3263	145	28	cash	cash	NOUN
fsr-3263	145	29	value	value	NOUN
fsr-3263	145	30	life	life	NOUN
fsr-3263	145	31	insurance	insurance	NOUN
fsr-3263	145	32	,	,	PUNCT
fsr-3263	145	33	is	be	AUX
fsr-3263	145	34	that	that	SCONJ
fsr-3263	145	35	black	black	ADJ
fsr-3263	145	36	families	family	NOUN
fsr-3263	145	37	purchase	purchase	VERB
fsr-3263	145	38	cash	cash	NOUN
fsr-3263	145	39	value	value	NOUN
fsr-3263	145	40	policies	policy	NOUN
fsr-3263	145	41	specifically	specifically	ADV
fsr-3263	145	42	for	for	ADP
fsr-3263	145	43	burial	burial	ADJ
fsr-3263	145	44	purposes	purpose	NOUN
fsr-3263	145	45	.	.	PUNCT
fsr-3263	146	1	the	the	DET
fsr-3263	146	2	low	low	ADJ
fsr-3263	146	3	median	median	ADJ
fsr-3263	146	4	face	face	NOUN
fsr-3263	146	5	value	value	NOUN
fsr-3263	146	6	amounts	amount	NOUN
fsr-3263	146	7	of	of	ADP
fsr-3263	146	8	cash	cash	NOUN
fsr-3263	146	9	value	value	NOUN
fsr-3263	146	10	policies	policy	NOUN
fsr-3263	146	11	among	among	ADP
fsr-3263	146	12	black	black	ADJ
fsr-3263	146	13	households	household	NOUN
fsr-3263	146	14	,	,	PUNCT
fsr-3263	146	15	as	as	SCONJ
fsr-3263	146	16	compared	compare	VERB
fsr-3263	146	17	with	with	ADP
fsr-3263	146	18	all	all	DET
fsr-3263	146	19	other	other	ADJ
fsr-3263	146	20	racial	racial	ADJ
fsr-3263	146	21	groups	group	NOUN
fsr-3263	146	22	,	,	PUNCT
fsr-3263	146	23	provides	provide	VERB
fsr-3263	146	24	some	some	DET
fsr-3263	146	25	additional	additional	ADJ
fsr-3263	146	26	indication	indication	NOUN
fsr-3263	146	27	that	that	SCONJ
fsr-3263	146	28	these	these	DET
fsr-3263	146	29	cash	cash	NOUN
fsr-3263	146	30	value	value	NOUN
fsr-3263	146	31	policies	policy	NOUN
fsr-3263	146	32	may	may	AUX
fsr-3263	146	33	be	be	AUX
fsr-3263	146	34	used	use	VERB
fsr-3263	146	35	for	for	ADP
fsr-3263	146	36	that	that	DET
fsr-3263	146	37	purpose.4	purpose.4	VERB
fsr-3263	146	38	however	however	ADV
fsr-3263	146	39	,	,	PUNCT
fsr-3263	146	40	black	black	ADJ
fsr-3263	146	41	families	family	NOUN
fsr-3263	146	42	have	have	AUX
fsr-3263	146	43	also	also	ADV
fsr-3263	146	44	been	be	AUX
fsr-3263	146	45	found	find	VERB
fsr-3263	146	46	to	to	PART
fsr-3263	146	47	have	have	VERB
fsr-3263	146	48	lower	low	ADJ
fsr-3263	146	49	risky	risky	ADJ
fsr-3263	146	50	asset	asset	NOUN
fsr-3263	146	51	ownership	ownership	NOUN
fsr-3263	146	52	compared	compare	VERB
fsr-3263	146	53	with	with	ADP
fsr-3263	146	54	white	white	ADJ
fsr-3263	146	55	families	family	NOUN
fsr-3263	146	56	as	as	ADP
fsr-3263	146	57	household	household	NOUN
fsr-3263	146	58	size	size	NOUN
fsr-3263	146	59	rises	rise	VERB
fsr-3263	146	60	(	(	PUNCT
fsr-3263	146	61	gutter	gutter	NOUN
fsr-3263	146	62	,	,	PUNCT
fsr-3263	146	63	fox	fox	NOUN
fsr-3263	146	64	,	,	PUNCT
fsr-3263	146	65	&	&	CCONJ
fsr-3263	146	66	montalto	montalto	PROPN
fsr-3263	146	67	,	,	PUNCT
fsr-3263	146	68	1999	1999	NUM
fsr-3263	146	69	)	)	PUNCT
fsr-3263	146	70	and	and	CCONJ
fsr-3263	146	71	so	so	ADV
fsr-3263	146	72	it	it	PRON
fsr-3263	146	73	is	be	AUX
fsr-3263	146	74	possible	possible	ADJ
fsr-3263	146	75	that	that	SCONJ
fsr-3263	146	76	black	black	ADJ
fsr-3263	146	77	families	family	NOUN
fsr-3263	146	78	are	be	AUX
fsr-3263	146	79	using	use	VERB
fsr-3263	146	80	cash	cash	NOUN
fsr-3263	146	81	value	value	NOUN
fsr-3263	146	82	life	life	NOUN
fsr-3263	146	83	insurance	insurance	NOUN
fsr-3263	146	84	as	as	ADP
fsr-3263	146	85	an	an	DET
fsr-3263	146	86	alternative	alternative	ADJ
fsr-3263	146	87	investment	investment	NOUN
fsr-3263	146	88	.	.	PUNCT
fsr-3263	147	1	financial	financial	ADJ
fsr-3263	147	2	planners	planner	NOUN
fsr-3263	147	3	have	have	VERB
fsr-3263	147	4	many	many	ADJ
fsr-3263	147	5	tools	tool	NOUN
fsr-3263	147	6	available	available	ADJ
fsr-3263	147	7	to	to	PART
fsr-3263	147	8	help	help	VERB
fsr-3263	147	9	their	their	PRON
fsr-3263	147	10	clients	client	NOUN
fsr-3263	147	11	allocate	allocate	VERB
fsr-3263	147	12	resources	resource	NOUN
fsr-3263	147	13	over	over	ADP
fsr-3263	147	14	time	time	NOUN
fsr-3263	147	15	.	.	PUNCT
fsr-3263	148	1	life	life	NOUN
fsr-3263	148	2	insurance	insurance	NOUN
fsr-3263	148	3	is	be	AUX
fsr-3263	148	4	an	an	DET
fsr-3263	148	5	important	important	ADJ
fsr-3263	148	6	part	part	NOUN
fsr-3263	148	7	of	of	ADP
fsr-3263	148	8	a	a	DET
fsr-3263	148	9	financial	financial	ADJ
fsr-3263	148	10	plan	plan	NOUN
fsr-3263	148	11	as	as	SCONJ
fsr-3263	148	12	it	it	PRON
fsr-3263	148	13	protects	protect	VERB
fsr-3263	148	14	families	family	NOUN
fsr-3263	148	15	against	against	ADP
fsr-3263	148	16	a	a	DET
fsr-3263	148	17	sharp	sharp	ADJ
fsr-3263	148	18	decline	decline	NOUN
fsr-3263	148	19	in	in	ADP
fsr-3263	148	20	consumption	consumption	NOUN
fsr-3263	148	21	.	.	PUNCT
fsr-3263	149	1	however	however	ADV
fsr-3263	149	2	,	,	PUNCT
fsr-3263	149	3	when	when	SCONJ
fsr-3263	149	4	families	family	NOUN
fsr-3263	149	5	have	have	VERB
fsr-3263	149	6	alternative	alternative	ADJ
fsr-3263	149	7	arrangements	arrangement	NOUN
fsr-3263	149	8	to	to	PART
fsr-3263	149	9	meet	meet	VERB
fsr-3263	149	10	the	the	DET
fsr-3263	149	11	needs	need	NOUN
fsr-3263	149	12	of	of	ADP
fsr-3263	149	13	the	the	DET
fsr-3263	149	14	household	household	NOUN
fsr-3263	149	15	,	,	PUNCT
fsr-3263	149	16	such	such	ADJ
fsr-3263	149	17	as	as	ADP
fsr-3263	149	18	through	through	ADP
fsr-3263	149	19	a	a	DET
fsr-3263	149	20	large	large	ADJ
fsr-3263	149	21	family	family	NOUN
fsr-3263	149	22	network	network	NOUN
fsr-3263	149	23	,	,	PUNCT
fsr-3263	149	24	purchasing	purchase	VERB
fsr-3263	149	25	an	an	DET
fsr-3263	149	26	adequate	adequate	ADJ
fsr-3263	149	27	amount	amount	NOUN
fsr-3263	149	28	of	of	ADP
fsr-3263	149	29	life	life	NOUN
fsr-3263	149	30	insurance	insurance	NOUN
fsr-3263	149	31	might	might	AUX
fsr-3263	149	32	appear	appear	VERB
fsr-3263	149	33	to	to	PART
fsr-3263	149	34	be	be	AUX
fsr-3263	149	35	excessive	excessive	ADJ
fsr-3263	149	36	.	.	PUNCT
fsr-3263	150	1	clients	client	NOUN
fsr-3263	150	2	who	who	PRON
fsr-3263	150	3	believe	believe	VERB
fsr-3263	150	4	they	they	PRON
fsr-3263	150	5	have	have	VERB
fsr-3263	150	6	a	a	DET
fsr-3263	150	7	strong	strong	ADJ
fsr-3263	150	8	family	family	NOUN
fsr-3263	150	9	network	network	NOUN
fsr-3263	150	10	may	may	AUX
fsr-3263	150	11	be	be	AUX
fsr-3263	150	12	underinsured	underinsure	VERB
fsr-3263	150	13	.	.	PUNCT
fsr-3263	151	1	heo	heo	PROPN
fsr-3263	151	2	,	,	PUNCT
fsr-3263	151	3	grable	grable	ADJ
fsr-3263	151	4	,	,	PUNCT
fsr-3263	151	5	and	and	CCONJ
fsr-3263	151	6	chatterjee	chatterjee	PROPN
fsr-3263	151	7	(	(	PUNCT
fsr-3263	151	8	2013	2013	NUM
fsr-3263	151	9	)	)	PUNCT
fsr-3263	151	10	find	find	VERB
fsr-3263	151	11	fig	fig	NOUN
fsr-3263	151	12	.	.	PUNCT
fsr-3263	152	1	1	1	X
fsr-3263	152	2	.	.	X
fsr-3263	152	3	likelihood	likelihood	NOUN
fsr-3263	152	4	of	of	ADP
fsr-3263	152	5	life	life	NOUN
fsr-3263	152	6	insurance	insurance	NOUN
fsr-3263	152	7	ownership	ownership	NOUN
fsr-3263	152	8	by	by	ADP
fsr-3263	152	9	household	household	NOUN
fsr-3263	152	10	size	size	NOUN
fsr-3263	152	11	.	.	PUNCT
fsr-3263	153	1	45m.a	45m.a	NUM
fsr-3263	153	2	.	.	PUNCT
fsr-3263	154	1	guillemette	guillemette	PROPN
fsr-3263	154	2	et	et	PROPN
fsr-3263	154	3	al	al	PROPN
fsr-3263	154	4	.	.	PUNCT
fsr-3263	154	5	/	/	SYM
fsr-3263	154	6	financial	financial	ADJ
fsr-3263	154	7	services	service	NOUN
fsr-3263	154	8	review	review	VERB
fsr-3263	154	9	24	24	NUM
fsr-3263	154	10	(	(	PUNCT
fsr-3263	154	11	2015	2015	NUM
fsr-3263	154	12	)	)	PUNCT
fsr-3263	154	13	37–50	37–50	NUM
fsr-3263	154	14	table	table	NOUN
fsr-3263	154	15	5	5	NUM
fsr-3263	154	16	face	face	NOUN
fsr-3263	154	17	value	value	NOUN
fsr-3263	154	18	of	of	ADP
fsr-3263	154	19	term	term	NOUN
fsr-3263	154	20	life	life	NOUN
fsr-3263	154	21	insurance	insurance	NOUN
fsr-3263	154	22	parameter	parameter	NOUN
fsr-3263	154	23	estimate	estimate	NOUN
fsr-3263	154	24	se	se	PROPN
fsr-3263	154	25	t	t	PROPN
fsr-3263	154	26	value	value	NOUN
fsr-3263	154	27	intercept	intercept	NOUN
fsr-3263	154	28	�	�	NOUN
fsr-3263	154	29	564.9753	564.9753	NOUN
fsr-3263	154	30	*	*	SYM
fsr-3263	154	31	*	*	SYM
fsr-3263	154	32	36.214530	36.214530	NUM
fsr-3263	154	33	�	�	NOUN
fsr-3263	154	34	15.60	15.60	NUM
fsr-3263	154	35	cash	cash	NOUN
fsr-3263	154	36	value	value	NOUN
fsr-3263	154	37	policy	policy	NOUN
fsr-3263	154	38	face	face	NOUN
fsr-3263	154	39	amount	amount	NOUN
fsr-3263	154	40	(	(	PUNCT
fsr-3263	154	41	q2	q2	NOUN
fsr-3263	154	42	)	)	PUNCT
fsr-3263	154	43	�	�	PROPN
fsr-3263	155	1	271.9539	271.9539	PROPN
fsr-3263	155	2	*	*	SYM
fsr-3263	155	3	*	*	SYM
fsr-3263	155	4	19.338508	19.338508	NUM
fsr-3263	155	5	�	�	NOUN
fsr-3263	155	6	14.06	14.06	NUM
fsr-3263	155	7	cash	cash	NOUN
fsr-3263	155	8	value	value	NOUN
fsr-3263	155	9	policy	policy	NOUN
fsr-3263	155	10	face	face	NOUN
fsr-3263	155	11	amount	amount	NOUN
fsr-3263	155	12	(	(	PUNCT
fsr-3263	155	13	q3	q3	NOUN
fsr-3263	155	14	)	)	PUNCT
fsr-3263	155	15	�	�	PROPN
fsr-3263	155	16	372.1336	372.1336	NUM
fsr-3263	155	17	*	*	NOUN
fsr-3263	155	18	*	*	PROPN
fsr-3263	155	19	19.815740	19.815740	NUM
fsr-3263	155	20	�	�	SYM
fsr-3263	155	21	18.78	18.78	NUM
fsr-3263	155	22	cash	cash	NOUN
fsr-3263	155	23	value	value	NOUN
fsr-3263	155	24	policy	policy	NOUN
fsr-3263	155	25	face	face	NOUN
fsr-3263	155	26	amount	amount	NOUN
fsr-3263	155	27	(	(	PUNCT
fsr-3263	155	28	q4	q4	PROPN
fsr-3263	155	29	)	)	PUNCT
fsr-3263	155	30	�	�	PROPN
fsr-3263	155	31	279.7793	279.7793	NOUN
fsr-3263	155	32	*	*	SYM
fsr-3263	155	33	*	*	PROPN
fsr-3263	155	34	20.650291	20.650291	NUM
fsr-3263	155	35	�	�	PROPN
fsr-3263	155	36	13.55	13.55	NUM
fsr-3263	155	37	not	not	PART
fsr-3263	155	38	employed	employ	VERB
fsr-3263	155	39	�	�	NOUN
fsr-3263	155	40	253.0329	253.0329	PROPN
fsr-3263	155	41	*	*	NOUN
fsr-3263	155	42	*	*	PROPN
fsr-3263	155	43	16.341234	16.341234	NUM
fsr-3263	155	44	�	�	PROPN
fsr-3263	155	45	15.48	15.48	NUM
fsr-3263	155	46	male	male	PROPN
fsr-3263	155	47	�	�	PROPN
fsr-3263	155	48	11.0729	11.0729	NUM
fsr-3263	155	49	19.311746	19.311746	NUM
fsr-3263	155	50	�	�	SYM
fsr-3263	155	51	0.57	0.57	NUM
fsr-3263	155	52	age	age	NOUN
fsr-3263	155	53	�	�	PROPN
fsr-3263	155	54	3.8124	3.8124	NUM
fsr-3263	155	55	*	*	SYM
fsr-3263	155	56	*	*	X
fsr-3263	155	57	0.477248	0.477248	NUM
fsr-3263	155	58	�	�	SYM
fsr-3263	155	59	7.99	7.99	NUM
fsr-3263	155	60	income	income	NOUN
fsr-3263	155	61	(	(	PUNCT
fsr-3263	155	62	q2	q2	NOUN
fsr-3263	155	63	)	)	PUNCT
fsr-3263	155	64	165.9838	165.9838	NUM
fsr-3263	155	65	*	*	X
fsr-3263	155	66	*	*	NOUN
fsr-3263	155	67	17.076209	17.076209	NUM
fsr-3263	155	68	9.72	9.72	NUM
fsr-3263	155	69	income	income	NOUN
fsr-3263	155	70	(	(	PUNCT
fsr-3263	155	71	q3	q3	NOUN
fsr-3263	155	72	)	)	PUNCT
fsr-3263	155	73	281.7889	281.7889	NOUN
fsr-3263	155	74	*	*	SYM
fsr-3263	155	75	*	*	PROPN
fsr-3263	155	76	19.989716	19.989716	NUM
fsr-3263	155	77	14.10	14.10	NUM
fsr-3263	155	78	income	income	NOUN
fsr-3263	155	79	(	(	PUNCT
fsr-3263	155	80	q4	q4	PROPN
fsr-3263	155	81	)	)	PUNCT
fsr-3263	155	82	605.0263	605.0263	NUM
fsr-3263	155	83	*	*	X
fsr-3263	155	84	*	*	PROPN
fsr-3263	155	85	25.720547	25.720547	NUM
fsr-3263	155	86	23.52	23.52	NUM
fsr-3263	155	87	net	net	NOUN
fsr-3263	155	88	worth	worth	NOUN
fsr-3263	155	89	(	(	PUNCT
fsr-3263	155	90	q2	q2	NOUN
fsr-3263	155	91	)	)	PUNCT
fsr-3263	155	92	132.6310	132.6310	NUM
fsr-3263	155	93	*	*	X
fsr-3263	155	94	*	*	X
fsr-3263	155	95	18.898002	18.898002	NUM
fsr-3263	155	96	7.02	7.02	NUM
fsr-3263	155	97	net	net	ADJ
fsr-3263	155	98	worth	worth	NOUN
fsr-3263	155	99	(	(	PUNCT
fsr-3263	155	100	q3	q3	PROPN
fsr-3263	155	101	)	)	PUNCT
fsr-3263	155	102	88.1648	88.1648	NUM
fsr-3263	156	1	*	*	PUNCT
fsr-3263	156	2	*	*	SYM
fsr-3263	156	3	23.424179	23.424179	NUM
fsr-3263	156	4	3.76	3.76	NUM
fsr-3263	156	5	net	net	ADJ
fsr-3263	156	6	worth	worth	NOUN
fsr-3263	156	7	(	(	PUNCT
fsr-3263	156	8	q4	q4	PROPN
fsr-3263	156	9	)	)	PUNCT
fsr-3263	156	10	188.2409	188.2409	NUM
fsr-3263	156	11	*	*	SYM
fsr-3263	156	12	*	*	SYM
fsr-3263	156	13	30.886998	30.886998	NUM
fsr-3263	156	14	6.09	6.09	NUM
fsr-3263	156	15	degree	degree	NOUN
fsr-3263	156	16	98.3133	98.3133	NUM
fsr-3263	156	17	*	*	NOUN
fsr-3263	156	18	*	*	PUNCT
fsr-3263	156	19	12.157400	12.157400	NUM
fsr-3263	156	20	8.09	8.09	NUM
fsr-3263	156	21	married	married	ADJ
fsr-3263	156	22	182.5603	182.5603	NOUN
fsr-3263	156	23	*	*	NOUN
fsr-3263	156	24	*	*	NOUN
fsr-3263	156	25	22.248095	22.248095	NUM
fsr-3263	156	26	8.21	8.21	NUM
fsr-3263	156	27	child	child	NOUN
fsr-3263	156	28	155.3139	155.3139	NUM
fsr-3263	156	29	*	*	NOUN
fsr-3263	156	30	*	*	NOUN
fsr-3263	156	31	22.170767	22.170767	NUM
fsr-3263	156	32	7.01	7.01	NUM
fsr-3263	156	33	homeowner	homeowner	NOUN
fsr-3263	156	34	123.0864	123.0864	NUM
fsr-3263	156	35	*	*	NOUN
fsr-3263	156	36	*	*	PUNCT
fsr-3263	156	37	16.529780	16.529780	NUM
fsr-3263	156	38	7.45	7.45	NUM
fsr-3263	156	39	self	self	NOUN
fsr-3263	156	40	-	-	PUNCT
fsr-3263	156	41	employed	employ	VERB
fsr-3263	156	42	�	�	PROPN
fsr-3263	156	43	18.7360	18.7360	NUM
fsr-3263	156	44	14.569702	14.569702	NUM
fsr-3263	156	45	�	�	PROPN
fsr-3263	156	46	1.29	1.29	NUM
fsr-3263	156	47	healthy	healthy	ADJ
fsr-3263	156	48	32.8656	32.8656	NUM
fsr-3263	156	49	*	*	SYM
fsr-3263	156	50	14.642588	14.642588	NUM
fsr-3263	156	51	2.24	2.24	NUM
fsr-3263	156	52	sizable	sizable	ADJ
fsr-3263	156	53	estate	estate	NOUN
fsr-3263	156	54	�	�	NOUN
fsr-3263	156	55	8.311813	8.311813	NUM
fsr-3263	156	56	11.949690	11.949690	NUM
fsr-3263	156	57	�	�	NOUN
fsr-3263	156	58	0.70	0.70	NUM
fsr-3263	156	59	liquid	liquid	ADJ
fsr-3263	156	60	assets	asset	NOUN
fsr-3263	156	61	(	(	PUNCT
fsr-3263	156	62	q2	q2	NOUN
fsr-3263	156	63	)	)	PUNCT
fsr-3263	156	64	174.3139	174.3139	NUM
fsr-3263	156	65	*	*	SYM
fsr-3263	156	66	*	*	PUNCT
fsr-3263	156	67	16.859052	16.859052	NUM
fsr-3263	156	68	10.34	10.34	NUM
fsr-3263	156	69	liquid	liquid	ADJ
fsr-3263	156	70	assets	asset	NOUN
fsr-3263	156	71	(	(	PUNCT
fsr-3263	156	72	q3	q3	NOUN
fsr-3263	156	73	)	)	PUNCT
fsr-3263	156	74	166.7142	166.7142	NUM
fsr-3263	156	75	*	*	PUNCT
fsr-3263	156	76	*	*	SYM
fsr-3263	156	77	19.465660	19.465660	NUM
fsr-3263	156	78	8.56	8.56	NUM
fsr-3263	156	79	liquid	liquid	ADJ
fsr-3263	156	80	assets	asset	NOUN
fsr-3263	156	81	(	(	PUNCT
fsr-3263	156	82	q4	q4	PROPN
fsr-3263	156	83	)	)	PUNCT
fsr-3263	156	84	223.5183	223.5183	NUM
fsr-3263	156	85	*	*	PUNCT
fsr-3263	156	86	*	*	NOUN
fsr-3263	156	87	23.296634	23.296634	NUM
fsr-3263	156	88	9.59	9.59	NUM
fsr-3263	156	89	substantial	substantial	ADJ
fsr-3263	156	90	risk	risk	NOUN
fsr-3263	156	91	73.9107	73.9107	NUM
fsr-3263	156	92	*	*	PUNCT
fsr-3263	156	93	*	*	NOUN
fsr-3263	156	94	22.788373	22.788373	NUM
fsr-3263	156	95	3.24	3.24	NUM
fsr-3263	156	96	1995	1995	NUM
fsr-3263	156	97	�	�	PROPN
fsr-3263	156	98	4.9478	4.9478	NUM
fsr-3263	156	99	20.317286	20.317286	NUM
fsr-3263	156	100	�	�	PROPN
fsr-3263	156	101	0.24	0.24	NUM
fsr-3263	156	102	1998	1998	NUM
fsr-3263	156	103	�	�	NOUN
fsr-3263	156	104	37.6212	37.6212	NUM
fsr-3263	156	105	20.403211	20.403211	NUM
fsr-3263	156	106	�	�	PROPN
fsr-3263	156	107	1.84	1.84	NUM
fsr-3263	156	108	2001	2001	NUM
fsr-3263	156	109	�	�	PROPN
fsr-3263	156	110	37.0724	37.0724	NUM
fsr-3263	156	111	20.249540	20.249540	NUM
fsr-3263	156	112	�	�	PROPN
fsr-3263	156	113	1.83	1.83	NUM
fsr-3263	156	114	2004	2004	NUM
fsr-3263	156	115	�	�	PROPN
fsr-3263	156	116	6.9363	6.9363	NUM
fsr-3263	156	117	20.193088	20.193088	NUM
fsr-3263	156	118	�	�	NOUN
fsr-3263	156	119	0.34	0.34	NUM
fsr-3263	156	120	2007	2007	NUM
fsr-3263	156	121	4.7159	4.7159	NUM
fsr-3263	156	122	20.323864	20.323864	NUM
fsr-3263	156	123	0.23	0.23	NUM
fsr-3263	156	124	2010	2010	NUM
fsr-3263	156	125	14.2123	14.2123	NUM
fsr-3263	156	126	18.903550	18.903550	NUM
fsr-3263	156	127	0.75	0.75	NUM
fsr-3263	156	128	black	black	ADJ
fsr-3263	156	129	(	(	PUNCT
fsr-3263	156	130	b	b	NOUN
fsr-3263	156	131	)	)	PUNCT
fsr-3263	156	132	302.9927	302.9927	NUM
fsr-3263	156	133	*	*	NOUN
fsr-3263	156	134	*	*	X
fsr-3263	156	135	35.091726	35.091726	NUM
fsr-3263	156	136	8.63	8.63	NUM
fsr-3263	156	137	hispanic	hispanic	ADJ
fsr-3263	156	138	(	(	PUNCT
fsr-3263	156	139	h	h	NOUN
fsr-3263	156	140	)	)	PUNCT
fsr-3263	156	141	�	�	PROPN
fsr-3263	156	142	94.7716	94.7716	NUM
fsr-3263	156	143	64.669447	64.669447	NUM
fsr-3263	156	144	�	�	NOUN
fsr-3263	156	145	1.47	1.47	NUM
fsr-3263	156	146	other	other	ADJ
fsr-3263	156	147	(	(	PUNCT
fsr-3263	156	148	o	o	NOUN
fsr-3263	156	149	)	)	PUNCT
fsr-3263	156	150	�	�	PROPN
fsr-3263	156	151	106.9755	106.9755	NUM
fsr-3263	156	152	70.962724	70.962724	NUM
fsr-3263	156	153	�	�	NOUN
fsr-3263	156	154	1.51	1.51	NUM
fsr-3263	156	155	household	household	NOUN
fsr-3263	156	156	size	size	NOUN
fsr-3263	156	157	2	2	NUM
fsr-3263	156	158	�	�	PROPN
fsr-3263	156	159	15.9366	15.9366	NUM
fsr-3263	156	160	22.818493	22.818493	NUM
fsr-3263	156	161	�	�	NOUN
fsr-3263	156	162	0.70	0.70	NUM
fsr-3263	156	163	(	(	PUNCT
fsr-3263	156	164	hhs2	hhs2	NOUN
fsr-3263	156	165	)	)	PUNCT
fsr-3263	156	166	household	household	NOUN
fsr-3263	156	167	size	size	NOUN
fsr-3263	156	168	3	3	NUM
fsr-3263	156	169	8.7066	8.7066	NUM
fsr-3263	156	170	34.430109	34.430109	NUM
fsr-3263	156	171	0.25	0.25	NUM
fsr-3263	156	172	(	(	PUNCT
fsr-3263	156	173	hhs3	hhs3	PROPN
fsr-3263	156	174	)	)	PUNCT
fsr-3263	156	175	household	household	NOUN
fsr-3263	156	176	size	size	NOUN
fsr-3263	156	177	4	4	NUM
fsr-3263	156	178	72.5314	72.5314	NUM
fsr-3263	156	179	*	*	NOUN
fsr-3263	156	180	36.898153	36.898153	NUM
fsr-3263	156	181	1.97	1.97	NUM
fsr-3263	156	182	(	(	PUNCT
fsr-3263	156	183	hhs4	hhs4	NOUN
fsr-3263	156	184	)	)	PUNCT
fsr-3263	156	185	household	household	NOUN
fsr-3263	156	186	size	size	NOUN
fsr-3263	156	187	5	5	NUM
fsr-3263	156	188	�	�	PROPN
fsr-3263	156	189	116.6348	116.6348	NUM
fsr-3263	156	190	*	*	NOUN
fsr-3263	156	191	*	*	PUNCT
fsr-3263	156	192	38.641196	38.641196	NUM
fsr-3263	156	193	3.02	3.02	NUM
fsr-3263	156	194	(	(	PUNCT
fsr-3263	156	195	hhs5p	hhs5p	PROPN
fsr-3263	156	196	)	)	PUNCT
fsr-3263	156	197	bhhs2	bhhs2	NOUN
fsr-3263	156	198	�	�	PROPN
fsr-3263	156	199	127.1559	127.1559	NUM
fsr-3263	156	200	*	*	PROPN
fsr-3263	156	201	*	*	SYM
fsr-3263	156	202	47.217569	47.217569	NUM
fsr-3263	156	203	�	�	SYM
fsr-3263	156	204	2.69	2.69	NUM
fsr-3263	156	205	bhhs3	bhhs3	NOUN
fsr-3263	156	206	�	�	PROPN
fsr-3263	156	207	280.8052	280.8052	NUM
fsr-3263	156	208	*	*	PROPN
fsr-3263	156	209	*	*	PROPN
fsr-3263	156	210	53.911229	53.911229	NUM
fsr-3263	156	211	�	�	SYM
fsr-3263	156	212	5.21	5.21	NUM
fsr-3263	156	213	bhhs4	bhhs4	NOUN
fsr-3263	156	214	�	�	PROPN
fsr-3263	156	215	357.7793	357.7793	NUM
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fsr-3263	156	217	*	*	SYM
fsr-3263	156	218	58.620302	58.620302	NUM
fsr-3263	156	219	�	�	SYM
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fsr-3263	156	221	bhhs5p	bhhs5p	PROPN
fsr-3263	156	222	�	�	PROPN
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fsr-3263	156	225	*	*	PROPN
fsr-3263	156	226	62.465342	62.465342	NUM
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fsr-3263	156	228	6.90	6.90	NUM
fsr-3263	156	229	hhhs2	hhhs2	NOUN
fsr-3263	156	230	�	�	PROPN
fsr-3263	156	231	66.4825	66.4825	NUM
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fsr-3263	156	233	�	�	PROPN
fsr-3263	156	234	0.83	0.83	NUM
fsr-3263	156	235	hhhs3	hhhs3	PROPN
fsr-3263	156	236	�	�	PROPN
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fsr-3263	156	239	�	�	PROPN
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fsr-3263	156	241	hhhs4	hhhs4	NOUN
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fsr-3263	156	245	*	*	PROPN
fsr-3263	156	246	80.492362	80.492362	NUM
fsr-3263	156	247	�	�	PROPN
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fsr-3263	156	249	hhhs5p	hhhs5p	PROPN
fsr-3263	156	250	�	�	PROPN
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fsr-3263	156	253	*	*	NOUN
fsr-3263	156	254	79.949937	79.949937	NUM
fsr-3263	156	255	�	�	SYM
fsr-3263	156	256	4.73	4.73	NUM
fsr-3263	156	257	ohhs2	ohhs2	NOUN
fsr-3263	157	1	135.1139	135.1139	NUM
fsr-3263	157	2	85.355958	85.355958	NUM
fsr-3263	157	3	1.58	1.58	NUM
fsr-3263	157	4	ohhs3	ohhs3	X
fsr-3263	157	5	�	�	PROPN
fsr-3263	157	6	22.0967	22.0967	NUM
fsr-3263	157	7	92.065171	92.065171	NUM
fsr-3263	157	8	�	�	SYM
fsr-3263	157	9	0.24	0.24	NUM
fsr-3263	157	10	ohhs4	ohhs4	NOUN
fsr-3263	157	11	78.0881	78.0881	NUM
fsr-3263	157	12	93.930658	93.930658	NUM
fsr-3263	157	13	0.83	0.83	NUM
fsr-3263	157	14	ohhs5p	ohhs5p	NOUN
fsr-3263	157	15	�	�	NOUN
fsr-3263	157	16	132.6312	132.6312	NUM
fsr-3263	157	17	99.445551	99.445551	NUM
fsr-3263	157	18	�	�	PROPN
fsr-3263	157	19	1.33	1.33	NUM
fsr-3263	157	20	*	*	PUNCT
fsr-3263	157	21	p	p	X
fsr-3263	157	22	�	�	PROPN
fsr-3263	157	23	0.05	0.05	NUM
fsr-3263	157	24	;	;	PUNCT
fsr-3263	157	25	*	*	PUNCT
fsr-3263	157	26	*	*	PUNCT
fsr-3263	157	27	p	p	X
fsr-3263	157	28	�	�	PROPN
fsr-3263	157	29	0.01	0.01	NUM
fsr-3263	157	30	.	.	PUNCT
fsr-3263	158	1	46	46	NUM
fsr-3263	158	2	m.a	m.a	PROPN
fsr-3263	158	3	.	.	PROPN
fsr-3263	158	4	guillemette	guillemette	PROPN
fsr-3263	158	5	et	et	PROPN
fsr-3263	158	6	al	al	PROPN
fsr-3263	158	7	.	.	PUNCT
fsr-3263	158	8	/	/	SYM
fsr-3263	158	9	financial	financial	ADJ
fsr-3263	158	10	services	service	NOUN
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fsr-3263	158	12	24	24	NUM
fsr-3263	158	13	(	(	PUNCT
fsr-3263	158	14	2015	2015	NUM
fsr-3263	158	15	)	)	PUNCT
fsr-3263	158	16	37–50	37–50	NUM
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fsr-3263	158	18	6	6	NUM
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fsr-3263	158	21	of	of	ADP
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fsr-3263	158	28	se	se	PROPN
fsr-3263	158	29	t	t	PROPN
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fsr-3263	158	35	*	*	PROPN
fsr-3263	158	36	56.326721	56.326721	NUM
fsr-3263	158	37	�	�	SYM
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fsr-3263	158	44	(	(	PUNCT
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fsr-3263	158	46	)	)	PUNCT
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fsr-3263	158	50	*	*	NOUN
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fsr-3263	158	52	�	�	SYM
fsr-3263	158	53	15.54	15.54	NUM
fsr-3263	158	54	cash	cash	NOUN
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fsr-3263	158	59	(	(	PUNCT
fsr-3263	158	60	q3	q3	NOUN
fsr-3263	158	61	)	)	PUNCT
fsr-3263	158	62	�	�	PROPN
fsr-3263	158	63	482.7647	482.7647	PROPN
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fsr-3263	158	65	*	*	SYM
fsr-3263	158	66	24.978475	24.978475	NUM
fsr-3263	158	67	�	�	SYM
fsr-3263	158	68	19.33	19.33	NUM
fsr-3263	158	69	cash	cash	NOUN
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fsr-3263	158	74	(	(	PUNCT
fsr-3263	158	75	q4	q4	PROPN
fsr-3263	158	76	)	)	PUNCT
fsr-3263	158	77	�	�	PROPN
fsr-3263	158	78	454.0463	454.0463	PROPN
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fsr-3263	158	80	*	*	PROPN
fsr-3263	158	81	24.623215	24.623215	NUM
fsr-3263	158	82	�	�	NOUN
fsr-3263	158	83	18.44	18.44	NUM
fsr-3263	158	84	not	not	PART
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fsr-3263	158	86	�	�	NOUN
fsr-3263	158	87	196.3087	196.3087	NUM
fsr-3263	158	88	*	*	X
fsr-3263	158	89	*	*	SYM
fsr-3263	158	90	23.796685	23.796685	NUM
fsr-3263	158	91	�	�	SYM
fsr-3263	158	92	8.25	8.25	NUM
fsr-3263	158	93	male	male	NOUN
fsr-3263	158	94	10.8115	10.8115	NUM
fsr-3263	158	95	29.600057	29.600057	NUM
fsr-3263	158	96	0.37	0.37	NUM
fsr-3263	158	97	age	age	NOUN
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fsr-3263	158	99	*	*	PUNCT
fsr-3263	158	100	*	*	PUNCT
fsr-3263	158	101	0.706360	0.706360	NUM
fsr-3263	158	102	7.07	7.07	NUM
fsr-3263	158	103	income	income	NOUN
fsr-3263	158	104	(	(	PUNCT
fsr-3263	158	105	q2	q2	NOUN
fsr-3263	158	106	)	)	PUNCT
fsr-3263	158	107	79.3575	79.3575	NUM
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fsr-3263	158	109	*	*	PUNCT
fsr-3263	158	110	26.340385	26.340385	NUM
fsr-3263	158	111	3.01	3.01	NUM
fsr-3263	158	112	income	income	NOUN
fsr-3263	158	113	(	(	PUNCT
fsr-3263	158	114	q3	q3	NOUN
fsr-3263	158	115	)	)	PUNCT
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fsr-3263	158	118	*	*	PROPN
fsr-3263	158	119	30.008617	30.008617	NUM
fsr-3263	158	120	4.11	4.11	NUM
fsr-3263	158	121	income	income	NOUN
fsr-3263	158	122	(	(	PUNCT
fsr-3263	158	123	q4	q4	PROPN
fsr-3263	158	124	)	)	PUNCT
fsr-3263	158	125	379.9408	379.9408	NUM
fsr-3263	158	126	*	*	PUNCT
fsr-3263	158	127	*	*	X
fsr-3263	158	128	36.794123	36.794123	NUM
fsr-3263	158	129	10.33	10.33	NUM
fsr-3263	158	130	net	net	NOUN
fsr-3263	158	131	worth	worth	NOUN
fsr-3263	158	132	(	(	PUNCT
fsr-3263	158	133	q2	q2	NOUN
fsr-3263	158	134	)	)	PUNCT
fsr-3263	159	1	372.4267	372.4267	NUM
fsr-3263	159	2	*	*	SYM
fsr-3263	159	3	*	*	X
fsr-3263	159	4	31.083055	31.083055	NUM
fsr-3263	159	5	11.98	11.98	NUM
fsr-3263	159	6	net	net	ADJ
fsr-3263	159	7	worth	worth	NOUN
fsr-3263	159	8	(	(	PUNCT
fsr-3263	159	9	q3	q3	NOUN
fsr-3263	159	10	)	)	PUNCT
fsr-3263	159	11	507.1737	507.1737	NUM
fsr-3263	159	12	*	*	SYM
fsr-3263	159	13	*	*	PROPN
fsr-3263	159	14	36.780105	36.780105	NUM
fsr-3263	159	15	13.79	13.79	NUM
fsr-3263	159	16	net	net	NOUN
fsr-3263	159	17	worth	worth	NOUN
fsr-3263	159	18	(	(	PUNCT
fsr-3263	159	19	q4	q4	PROPN
fsr-3263	159	20	)	)	PUNCT
fsr-3263	159	21	816.6910	816.6910	PROPN
fsr-3263	159	22	*	*	NOUN
fsr-3263	159	23	*	*	X
fsr-3263	159	24	45.801190	45.801190	NUM
fsr-3263	159	25	17.83	17.83	NUM
fsr-3263	159	26	degree	degree	NOUN
fsr-3263	159	27	62.4141	62.4141	NUM
fsr-3263	159	28	*	*	NOUN
fsr-3263	159	29	*	*	SYM
fsr-3263	159	30	17.690651	17.690651	NUM
fsr-3263	159	31	3.53	3.53	NUM
fsr-3263	159	32	married	marry	VERB
fsr-3263	159	33	164.8562	164.8562	NUM
fsr-3263	159	34	*	*	NOUN
fsr-3263	159	35	*	*	PROPN
fsr-3263	159	36	34.034548	34.034548	NUM
fsr-3263	159	37	4.84	4.84	NUM
fsr-3263	159	38	child	child	NOUN
fsr-3263	159	39	67.8820	67.8820	NUM
fsr-3263	159	40	*	*	SYM
fsr-3263	159	41	33.701665	33.701665	NUM
fsr-3263	159	42	2.01	2.01	NUM
fsr-3263	159	43	homeowner	homeowner	NOUN
fsr-3263	159	44	108.7534	108.7534	NOUN
fsr-3263	159	45	*	*	NOUN
fsr-3263	159	46	*	*	PUNCT
fsr-3263	159	47	25.947366	25.947366	NUM
fsr-3263	159	48	4.19	4.19	NUM
fsr-3263	159	49	self	self	NOUN
fsr-3263	159	50	-	-	PUNCT
fsr-3263	159	51	employed	employ	VERB
fsr-3263	159	52	110.9823	110.9823	NUM
fsr-3263	159	53	*	*	NOUN
fsr-3263	159	54	*	*	NOUN
fsr-3263	159	55	20.409938	20.409938	NUM
fsr-3263	159	56	5.44	5.44	NUM
fsr-3263	159	57	healthy	healthy	ADJ
fsr-3263	159	58	11.5404	11.5404	NUM
fsr-3263	159	59	21.558259	21.558259	NUM
fsr-3263	159	60	0.54	0.54	NUM
fsr-3263	159	61	sizable	sizable	ADJ
fsr-3263	159	62	estate	estate	NOUN
fsr-3263	159	63	120.6049	120.6049	PROPN
fsr-3263	159	64	*	*	NOUN
fsr-3263	159	65	*	*	X
fsr-3263	159	66	18.027918	18.027918	NUM
fsr-3263	159	67	6.69	6.69	NUM
fsr-3263	159	68	liquid	liquid	ADJ
fsr-3263	159	69	assets	asset	NOUN
fsr-3263	159	70	(	(	PUNCT
fsr-3263	159	71	q2	q2	NOUN
fsr-3263	159	72	)	)	PUNCT
fsr-3263	159	73	222.8966	222.8966	NUM
fsr-3263	159	74	*	*	SYM
fsr-3263	159	75	*	*	NOUN
fsr-3263	159	76	27.076805	27.076805	NUM
fsr-3263	159	77	8.23	8.23	NUM
fsr-3263	159	78	liquid	liquid	ADJ
fsr-3263	159	79	assets	asset	NOUN
fsr-3263	159	80	(	(	PUNCT
fsr-3263	159	81	q3	q3	NOUN
fsr-3263	159	82	)	)	PUNCT
fsr-3263	159	83	225.5325	225.5325	NUM
fsr-3263	159	84	*	*	PUNCT
fsr-3263	159	85	*	*	PUNCT
fsr-3263	159	86	30.046516	30.046516	NUM
fsr-3263	159	87	7.51	7.51	NUM
fsr-3263	159	88	liquid	liquid	ADJ
fsr-3263	159	89	assets	asset	NOUN
fsr-3263	159	90	(	(	PUNCT
fsr-3263	159	91	q4	q4	PROPN
fsr-3263	159	92	)	)	PUNCT
fsr-3263	159	93	284.6579	284.6579	NUM
fsr-3263	159	94	*	*	SYM
fsr-3263	159	95	*	*	PROPN
fsr-3263	159	96	34.369930	34.369930	NUM
fsr-3263	159	97	8.28	8.28	NUM
fsr-3263	159	98	substantial	substantial	ADJ
fsr-3263	159	99	risk	risk	NOUN
fsr-3263	159	100	�	�	NOUN
fsr-3263	159	101	36.0096	36.0096	NUM
fsr-3263	159	102	33.015220	33.015220	NUM
fsr-3263	159	103	�	�	NOUN
fsr-3263	159	104	1.09	1.09	NUM
fsr-3263	159	105	1995	1995	NUM
fsr-3263	159	106	�	�	PROPN
fsr-3263	159	107	47.9328	47.9328	NUM
fsr-3263	159	108	28.214129	28.214129	NUM
fsr-3263	159	109	�	�	PROPN
fsr-3263	159	110	1.70	1.70	NUM
fsr-3263	159	111	1998	1998	NUM
fsr-3263	159	112	�	�	PROPN
fsr-3263	159	113	123.0544	123.0544	PROPN
fsr-3263	159	114	*	*	PROPN
fsr-3263	159	115	*	*	NOUN
fsr-3263	159	116	28.516715	28.516715	NUM
fsr-3263	159	117	�	�	PROPN
fsr-3263	159	118	4.32	4.32	NUM
fsr-3263	159	119	2001	2001	NUM
fsr-3263	159	120	�	�	NOUN
fsr-3263	159	121	207.8471	207.8471	NUM
fsr-3263	159	122	*	*	NOUN
fsr-3263	159	123	*	*	PROPN
fsr-3263	159	124	28.581703	28.581703	NUM
fsr-3263	159	125	�	�	PROPN
fsr-3263	159	126	7.27	7.27	NUM
fsr-3263	159	127	2004	2004	NUM
fsr-3263	159	128	�	�	PROPN
fsr-3263	159	129	229.4625	229.4625	NUM
fsr-3263	159	130	*	*	PROPN
fsr-3263	159	131	*	*	SYM
fsr-3263	159	132	28.698742	28.698742	NUM
fsr-3263	159	133	�	�	NOUN
fsr-3263	159	134	8.00	8.00	NUM
fsr-3263	159	135	2007	2007	NUM
fsr-3263	159	136	�	�	PROPN
fsr-3263	159	137	309.7293	309.7293	NOUN
fsr-3263	159	138	*	*	NOUN
fsr-3263	159	139	*	*	PROPN
fsr-3263	159	140	29.104553	29.104553	NUM
fsr-3263	159	141	�	�	PROPN
fsr-3263	159	142	10.64	10.64	NUM
fsr-3263	159	143	2010	2010	NUM
fsr-3263	159	144	�	�	PROPN
fsr-3263	159	145	375.2035	375.2035	NUM
fsr-3263	159	146	*	*	NOUN
fsr-3263	159	147	*	*	PROPN
fsr-3263	159	148	27.518708	27.518708	NUM
fsr-3263	159	149	�	�	PROPN
fsr-3263	159	150	13.63	13.63	NUM
fsr-3263	159	151	black	black	ADJ
fsr-3263	159	152	(	(	PUNCT
fsr-3263	159	153	b	b	NOUN
fsr-3263	159	154	)	)	PUNCT
fsr-3263	159	155	336.7514	336.7514	NOUN
fsr-3263	159	156	*	*	X
fsr-3263	159	157	*	*	SYM
fsr-3263	159	158	56.580048	56.580048	NUM
fsr-3263	159	159	5.95	5.95	NUM
fsr-3263	159	160	hispanic	hispanic	ADJ
fsr-3263	159	161	(	(	PUNCT
fsr-3263	159	162	h	h	NOUN
fsr-3263	159	163	)	)	PUNCT
fsr-3263	159	164	�	�	PROPN
fsr-3263	159	165	145.7467	145.7467	NUM
fsr-3263	159	166	114.830500	114.830500	NUM
fsr-3263	159	167	�	�	PROPN
fsr-3263	159	168	1.27	1.27	NUM
fsr-3263	159	169	other	other	ADJ
fsr-3263	159	170	(	(	PUNCT
fsr-3263	159	171	o	o	NOUN
fsr-3263	159	172	)	)	PUNCT
fsr-3263	159	173	�	�	PROPN
fsr-3263	159	174	58.1589	58.1589	NUM
fsr-3263	159	175	109.976406	109.976406	NUM
fsr-3263	159	176	�	�	NOUN
fsr-3263	159	177	0.53	0.53	NUM
fsr-3263	159	178	household	household	NOUN
fsr-3263	159	179	size	size	NOUN
fsr-3263	159	180	2	2	NUM
fsr-3263	159	181	152.4559	152.4559	NUM
fsr-3263	159	182	*	*	PUNCT
fsr-3263	159	183	*	*	X
fsr-3263	159	184	34.650184	34.650184	NUM
fsr-3263	159	185	4.40	4.40	NUM
fsr-3263	159	186	(	(	PUNCT
fsr-3263	159	187	hhs2	hhs2	NOUN
fsr-3263	159	188	)	)	PUNCT
fsr-3263	159	189	household	household	NOUN
fsr-3263	159	190	size	size	NOUN
fsr-3263	159	191	3	3	NUM
fsr-3263	159	192	213.6898	213.6898	NUM
fsr-3263	159	193	*	*	PUNCT
fsr-3263	159	194	*	*	X
fsr-3263	159	195	52.449452	52.449452	NUM
fsr-3263	159	196	4.07	4.07	NUM
fsr-3263	159	197	(	(	PUNCT
fsr-3263	159	198	hhs3	hhs3	PROPN
fsr-3263	159	199	)	)	PUNCT
fsr-3263	159	200	household	household	NOUN
fsr-3263	159	201	size	size	NOUN
fsr-3263	159	202	4	4	NUM
fsr-3263	159	203	237.3292	237.3292	NUM
fsr-3263	159	204	*	*	NOUN
fsr-3263	159	205	*	*	PUNCT
fsr-3263	159	206	56.109391	56.109391	NUM
fsr-3263	159	207	4.23	4.23	NUM
fsr-3263	159	208	(	(	PUNCT
fsr-3263	159	209	hhs4	hhs4	NOUN
fsr-3263	159	210	)	)	PUNCT
fsr-3263	159	211	household	household	NOUN
fsr-3263	159	212	size	size	NOUN
fsr-3263	159	213	5	5	NUM
fsr-3263	159	214	�	�	PROPN
fsr-3263	159	215	233.6837	233.6837	NOUN
fsr-3263	159	216	*	*	NOUN
fsr-3263	159	217	*	*	NOUN
fsr-3263	159	218	58.688419	58.688419	NUM
fsr-3263	159	219	3.98	3.98	NUM
fsr-3263	159	220	(	(	PUNCT
fsr-3263	159	221	hhs5p	hhs5p	PROPN
fsr-3263	159	222	)	)	PUNCT
fsr-3263	159	223	bhhs2	bhhs2	NOUN
fsr-3263	159	224	�	�	PROPN
fsr-3263	160	1	110.5899	110.5899	NUM
fsr-3263	160	2	74.170272	74.170272	NUM
fsr-3263	160	3	�	�	SYM
fsr-3263	160	4	1.49	1.49	NUM
fsr-3263	160	5	bhhs3	bhhs3	NOUN
fsr-3263	160	6	�	�	PROPN
fsr-3263	160	7	124.4946	124.4946	PROPN
fsr-3263	160	8	83.166274	83.166274	NUM
fsr-3263	160	9	�	�	NOUN
fsr-3263	160	10	1.50	1.50	NUM
fsr-3263	160	11	bhhs4	bhhs4	X
fsr-3263	160	12	�	�	PROPN
fsr-3263	160	13	157.8035	157.8035	NUM
fsr-3263	160	14	89.189548	89.189548	NUM
fsr-3263	160	15	�	�	SYM
fsr-3263	160	16	1.77	1.77	NUM
fsr-3263	160	17	bhhs5p	bhhs5p	ADJ
fsr-3263	160	18	�	�	PROPN
fsr-3263	160	19	124.0041	124.0041	NUM
fsr-3263	160	20	93.680331	93.680331	NUM
fsr-3263	160	21	�	�	SYM
fsr-3263	160	22	1.32	1.32	NUM
fsr-3263	160	23	hhhs2	hhhs2	NOUN
fsr-3263	160	24	�	�	PROPN
fsr-3263	160	25	189.7301	189.7301	NUM
fsr-3263	160	26	140.064691	140.064691	NUM
fsr-3263	160	27	�	�	SYM
fsr-3263	160	28	1.35	1.35	NUM
fsr-3263	160	29	hhhs3	hhhs3	PROPN
fsr-3263	160	30	�	�	PROPN
fsr-3263	160	31	232.3589	232.3589	NUM
fsr-3263	160	32	145.041940	145.041940	NUM
fsr-3263	160	33	�	�	NOUN
fsr-3263	160	34	1.60	1.60	NUM
fsr-3263	160	35	hhhs4	hhhs4	NOUN
fsr-3263	160	36	�	�	PROPN
fsr-3263	160	37	392.5461	392.5461	NUM
fsr-3263	160	38	*	*	PROPN
fsr-3263	160	39	*	*	PROPN
fsr-3263	160	40	143.669057	143.669057	NUM
fsr-3263	160	41	�	�	SYM
fsr-3263	160	42	2.73	2.73	NUM
fsr-3263	160	43	hhhs5p	hhhs5p	PROPN
fsr-3263	160	44	�	�	PROPN
fsr-3263	160	45	400.0568	400.0568	NUM
fsr-3263	160	46	*	*	PROPN
fsr-3263	160	47	*	*	PROPN
fsr-3263	160	48	141.389434	141.389434	NUM
fsr-3263	160	49	�	�	PROPN
fsr-3263	160	50	2.83	2.83	NUM
fsr-3263	160	51	ohhs2	ohhs2	NOUN
fsr-3263	160	52	�	�	NOUN
fsr-3263	160	53	60.1170	60.1170	NUM
fsr-3263	160	54	130.539406	130.539406	NUM
fsr-3263	160	55	�	�	NOUN
fsr-3263	160	56	0.46	0.46	NUM
fsr-3263	160	57	ohhs3	ohhs3	X
fsr-3263	160	58	�	�	PROPN
fsr-3263	160	59	215.8021	215.8021	NUM
fsr-3263	160	60	143.603131	143.603131	NUM
fsr-3263	160	61	�	�	SYM
fsr-3263	160	62	1.50	1.50	NUM
fsr-3263	160	63	ohhs4	ohhs4	NOUN
fsr-3263	160	64	�	�	PROPN
fsr-3263	160	65	182.7971	182.7971	NUM
fsr-3263	160	66	144.790031	144.790031	NUM
fsr-3263	160	67	�	�	PROPN
fsr-3263	160	68	1.26	1.26	NUM
fsr-3263	160	69	ohhs5p	ohhs5p	VERB
fsr-3263	160	70	�	�	NOUN
fsr-3263	160	71	230.8507	230.8507	NUM
fsr-3263	160	72	153.042356	153.042356	NUM
fsr-3263	160	73	�	�	NOUN
fsr-3263	160	74	1.51	1.51	NUM
fsr-3263	160	75	*	*	PUNCT
fsr-3263	160	76	p	p	PROPN
fsr-3263	160	77	�	�	PROPN
fsr-3263	160	78	0.05	0.05	NUM
fsr-3263	160	79	;	;	PUNCT
fsr-3263	160	80	*	*	PUNCT
fsr-3263	160	81	*	*	PUNCT
fsr-3263	160	82	p	p	X
fsr-3263	160	83	�	�	PROPN
fsr-3263	160	84	0.01	0.01	NUM
fsr-3263	160	85	.	.	PUNCT
fsr-3263	161	1	47m.a	47m.a	NUM
fsr-3263	161	2	.	.	PUNCT
fsr-3263	162	1	guillemette	guillemette	PROPN
fsr-3263	162	2	et	et	PROPN
fsr-3263	162	3	al	al	PROPN
fsr-3263	162	4	.	.	PUNCT
fsr-3263	162	5	/	/	SYM
fsr-3263	162	6	financial	financial	ADJ
fsr-3263	162	7	services	service	NOUN
fsr-3263	162	8	review	review	VERB
fsr-3263	162	9	24	24	NUM
fsr-3263	162	10	(	(	PUNCT
fsr-3263	162	11	2015	2015	NUM
fsr-3263	162	12	)	)	PUNCT
fsr-3263	162	13	37–50	37–50	NUM
fsr-3263	162	14	evidence	evidence	NOUN
fsr-3263	162	15	to	to	PART
fsr-3263	162	16	suggest	suggest	VERB
fsr-3263	162	17	that	that	SCONJ
fsr-3263	162	18	life	life	NOUN
fsr-3263	162	19	insurance	insurance	NOUN
fsr-3263	162	20	acts	act	VERB
fsr-3263	162	21	as	as	ADP
fsr-3263	162	22	a	a	DET
fsr-3263	162	23	compliment	compliment	NOUN
fsr-3263	162	24	,	,	PUNCT
fsr-3263	162	25	rather	rather	ADV
fsr-3263	162	26	than	than	ADP
fsr-3263	162	27	a	a	DET
fsr-3263	162	28	substitute	substitute	NOUN
fsr-3263	162	29	,	,	PUNCT
fsr-3263	162	30	for	for	ADP
fsr-3263	162	31	wealth	wealth	NOUN
fsr-3263	162	32	.	.	PUNCT
fsr-3263	163	1	therefore	therefore	ADV
fsr-3263	163	2	,	,	PUNCT
fsr-3263	163	3	minority	minority	NOUN
fsr-3263	163	4	households	household	NOUN
fsr-3263	163	5	may	may	AUX
fsr-3263	163	6	not	not	PART
fsr-3263	163	7	be	be	AUX
fsr-3263	163	8	thinking	think	VERB
fsr-3263	163	9	about	about	ADP
fsr-3263	163	10	life	life	NOUN
fsr-3263	163	11	insurance	insurance	NOUN
fsr-3263	163	12	as	as	ADP
fsr-3263	163	13	a	a	DET
fsr-3263	163	14	wealth	wealth	NOUN
fsr-3263	163	15	replacement	replacement	NOUN
fsr-3263	163	16	option	option	NOUN
fsr-3263	163	17	upon	upon	SCONJ
fsr-3263	163	18	the	the	DET
fsr-3263	163	19	death	death	NOUN
fsr-3263	163	20	of	of	ADP
fsr-3263	163	21	a	a	DET
fsr-3263	163	22	household	household	NOUN
fsr-3263	163	23	member	member	NOUN
fsr-3263	163	24	.	.	PUNCT
fsr-3263	164	1	it	it	PRON
fsr-3263	164	2	can	can	AUX
fsr-3263	164	3	be	be	AUX
fsr-3263	164	4	detrimental	detrimental	ADJ
fsr-3263	164	5	to	to	PART
fsr-3263	164	6	use	use	VERB
fsr-3263	164	7	rules	rule	NOUN
fsr-3263	164	8	of	of	ADP
fsr-3263	164	9	thumb	thumb	NOUN
fsr-3263	164	10	(	(	PUNCT
fsr-3263	164	11	such	such	ADJ
fsr-3263	164	12	as	as	ADP
fsr-3263	164	13	household	household	NOUN
fsr-3263	164	14	size	size	NOUN
fsr-3263	164	15	)	)	PUNCT
fsr-3263	164	16	when	when	SCONJ
fsr-3263	164	17	assessing	assess	VERB
fsr-3263	164	18	the	the	DET
fsr-3263	164	19	need	need	NOUN
fsr-3263	164	20	for	for	ADP
fsr-3263	164	21	life	life	NOUN
fsr-3263	164	22	insurance	insurance	NOUN
fsr-3263	164	23	(	(	PUNCT
fsr-3263	164	24	collins	collins	PROPN
fsr-3263	164	25	&	&	CCONJ
fsr-3263	164	26	ham	ham	PROPN
fsr-3263	164	27	,	,	PUNCT
fsr-3263	164	28	2011	2011	NUM
fsr-3263	164	29	)	)	PUNCT
fsr-3263	164	30	.	.	PUNCT
fsr-3263	165	1	recognizing	recognize	VERB
fsr-3263	165	2	potential	potential	ADJ
fsr-3263	165	3	cultural	cultural	ADJ
fsr-3263	165	4	biases	bias	NOUN
fsr-3263	165	5	and	and	CCONJ
fsr-3263	165	6	the	the	DET
fsr-3263	165	7	possible	possible	ADJ
fsr-3263	165	8	role	role	NOUN
fsr-3263	165	9	of	of	ADP
fsr-3263	165	10	household	household	NOUN
fsr-3263	165	11	members	member	NOUN
fsr-3263	165	12	are	be	AUX
fsr-3263	165	13	topics	topic	NOUN
fsr-3263	165	14	that	that	SCONJ
fsr-3263	165	15	financial	financial	ADJ
fsr-3263	165	16	planners	planner	NOUN
fsr-3263	165	17	should	should	AUX
fsr-3263	165	18	explore	explore	VERB
fsr-3263	165	19	when	when	SCONJ
fsr-3263	165	20	meeting	meet	VERB
fsr-3263	165	21	with	with	ADP
fsr-3263	165	22	their	their	PRON
fsr-3263	165	23	clients	client	NOUN
fsr-3263	165	24	to	to	PART
fsr-3263	165	25	discuss	discuss	VERB
fsr-3263	165	26	what	what	DET
fsr-3263	165	27	type	type	NOUN
fsr-3263	165	28	of	of	ADP
fsr-3263	165	29	life	life	NOUN
fsr-3263	165	30	insurance	insurance	NOUN
fsr-3263	165	31	,	,	PUNCT
fsr-3263	165	32	and	and	CCONJ
fsr-3263	165	33	how	how	SCONJ
fsr-3263	165	34	much	much	ADJ
fsr-3263	165	35	coverage	coverage	NOUN
fsr-3263	165	36	,	,	PUNCT
fsr-3263	165	37	is	be	AUX
fsr-3263	165	38	needed	need	VERB
fsr-3263	165	39	to	to	PART
fsr-3263	165	40	meet	meet	VERB
fsr-3263	165	41	the	the	DET
fsr-3263	165	42	goals	goal	NOUN
fsr-3263	165	43	outlined	outline	VERB
fsr-3263	165	44	within	within	ADP
fsr-3263	165	45	a	a	DET
fsr-3263	165	46	financial	financial	ADJ
fsr-3263	165	47	plan	plan	NOUN
fsr-3263	165	48	.	.	PUNCT
fsr-3263	166	1	there	there	PRON
fsr-3263	166	2	are	be	VERB
fsr-3263	166	3	multiple	multiple	ADJ
fsr-3263	166	4	areas	area	NOUN
fsr-3263	166	5	for	for	ADP
fsr-3263	166	6	future	future	ADJ
fsr-3263	166	7	researchers	researcher	NOUN
fsr-3263	166	8	to	to	PART
fsr-3263	166	9	explore	explore	VERB
fsr-3263	166	10	as	as	SCONJ
fsr-3263	166	11	it	it	PRON
fsr-3263	166	12	pertains	pertain	VERB
fsr-3263	166	13	to	to	ADP
fsr-3263	166	14	minority	minority	NOUN
fsr-3263	166	15	household	household	NOUN
fsr-3263	166	16	size	size	NOUN
fsr-3263	166	17	and	and	CCONJ
fsr-3263	166	18	the	the	DET
fsr-3263	166	19	decision	decision	NOUN
fsr-3263	166	20	to	to	PART
fsr-3263	166	21	purchase	purchase	VERB
fsr-3263	166	22	life	life	NOUN
fsr-3263	166	23	insurance	insurance	NOUN
fsr-3263	166	24	.	.	PUNCT
fsr-3263	167	1	future	future	ADJ
fsr-3263	167	2	research	research	NOUN
fsr-3263	167	3	should	should	AUX
fsr-3263	167	4	focus	focus	VERB
fsr-3263	167	5	on	on	ADP
fsr-3263	167	6	why	why	SCONJ
fsr-3263	167	7	there	there	PRON
fsr-3263	167	8	is	be	VERB
fsr-3263	167	9	a	a	DET
fsr-3263	167	10	divergence	divergence	NOUN
fsr-3263	167	11	in	in	ADP
fsr-3263	167	12	the	the	DET
fsr-3263	167	13	decline	decline	NOUN
fsr-3263	167	14	of	of	ADP
fsr-3263	167	15	the	the	DET
fsr-3263	167	16	face	face	NOUN
fsr-3263	167	17	amount	amount	NOUN
fsr-3263	167	18	of	of	ADP
fsr-3263	167	19	term	term	NOUN
fsr-3263	167	20	and	and	CCONJ
fsr-3263	167	21	cash	cash	NOUN
fsr-3263	167	22	value	value	NOUN
fsr-3263	167	23	life	life	NOUN
fsr-3263	167	24	insurance	insurance	NOUN
fsr-3263	167	25	as	as	ADP
fsr-3263	167	26	household	household	NOUN
fsr-3263	167	27	size	size	NOUN
fsr-3263	167	28	rises	rise	VERB
fsr-3263	167	29	for	for	ADP
fsr-3263	167	30	black	black	ADJ
fsr-3263	167	31	families	family	NOUN
fsr-3263	167	32	.	.	PUNCT
fsr-3263	168	1	the	the	DET
fsr-3263	168	2	question	question	NOUN
fsr-3263	168	3	of	of	ADP
fsr-3263	168	4	how	how	SCONJ
fsr-3263	168	5	much	much	ADJ
fsr-3263	168	6	human	human	ADJ
fsr-3263	168	7	table	table	NOUN
fsr-3263	168	8	7	7	NUM
fsr-3263	168	9	decline	decline	NOUN
fsr-3263	168	10	in	in	ADP
fsr-3263	168	11	term	term	NOUN
fsr-3263	168	12	face	face	NOUN
fsr-3263	168	13	amount	amount	NOUN
fsr-3263	168	14	as	as	SCONJ
fsr-3263	168	15	household	household	NOUN
fsr-3263	168	16	size	size	NOUN
fsr-3263	168	17	rises	rise	VERB
fsr-3263	168	18	parameter	parameter	NOUN
fsr-3263	168	19	estimate	estimate	NOUN
fsr-3263	168	20	bhhs2	bhhs2	NOUN
fsr-3263	168	21	�	�	SYM
fsr-3263	168	22	$	$	SYM
fsr-3263	168	23	20,475	20,475	NUM
fsr-3263	168	24	*	*	PUNCT
fsr-3263	168	25	*	*	PUNCT
fsr-3263	168	26	bhhs3	bhhs3	NOUN
fsr-3263	168	27	�	�	PROPN
fsr-3263	168	28	$	$	SYM
fsr-3263	168	29	74,038	74,038	NUM
fsr-3263	168	30	*	*	PUNCT
fsr-3263	168	31	*	*	PUNCT
fsr-3263	168	32	bhhs4	bhhs4	X
fsr-3263	168	33	�	�	PROPN
fsr-3263	168	34	$	$	SYM
fsr-3263	168	35	81,366	81,366	NUM
fsr-3263	168	36	*	*	PUNCT
fsr-3263	168	37	*	*	PUNCT
fsr-3263	168	38	bhhs5p	bhhs5p	PROPN
fsr-3263	168	39	�	�	PROPN
fsr-3263	168	40	$	$	SYM
fsr-3263	168	41	98,910	98,910	NUM
fsr-3263	168	42	*	*	PUNCT
fsr-3263	168	43	*	*	PUNCT
fsr-3263	168	44	hhhs2	hhhs2	PROPN
fsr-3263	168	45	�	�	PROPN
fsr-3263	168	46	$	$	SYM
fsr-3263	168	47	6,793	6,793	NUM
fsr-3263	168	48	hhhs3	hhhs3	NOUN
fsr-3263	168	49	�	�	PROPN
fsr-3263	168	50	$	$	SYM
fsr-3263	168	51	18,583	18,583	NUM
fsr-3263	168	52	hhhs4	hhhs4	NOUN
fsr-3263	168	53	�	�	PROPN
fsr-3263	168	54	$	$	SYM
fsr-3263	168	55	28,560	28,560	NUM
fsr-3263	168	56	*	*	PUNCT
fsr-3263	168	57	*	*	PUNCT
fsr-3263	168	58	hhhs5p	hhhs5p	PROPN
fsr-3263	168	59	�	�	PROPN
fsr-3263	168	60	$	$	SYM
fsr-3263	168	61	68,583	68,583	NUM
fsr-3263	168	62	*	*	PUNCT
fsr-3263	168	63	*	*	PUNCT
fsr-3263	168	64	ohhs2	ohhs2	PROPN
fsr-3263	168	65	�	�	SYM
fsr-3263	168	66	$	$	SYM
fsr-3263	168	67	14,203	14,203	NUM
fsr-3263	168	68	ohhs3	ohhs3	X
fsr-3263	168	69	�	�	PROPN
fsr-3263	168	70	$	$	SYM
fsr-3263	168	71	179	179	NUM
fsr-3263	168	72	ohhs4	ohhs4	NOUN
fsr-3263	168	73	�	�	NOUN
fsr-3263	168	74	$	$	SYM
fsr-3263	168	75	22,686	22,686	NUM
fsr-3263	168	76	ohhs5p	ohhs5p	VERB
fsr-3263	168	77	�	�	NOUN
fsr-3263	168	78	$	$	SYM
fsr-3263	168	79	256	256	NUM
fsr-3263	168	80	*	*	PUNCT
fsr-3263	168	81	p	p	X
fsr-3263	168	82	�	�	PROPN
fsr-3263	168	83	0.05	0.05	NUM
fsr-3263	168	84	;	;	PUNCT
fsr-3263	168	85	*	*	PUNCT
fsr-3263	168	86	*	*	PUNCT
fsr-3263	168	87	p	p	X
fsr-3263	168	88	�	�	PROPN
fsr-3263	168	89	0.01	0.01	NUM
fsr-3263	168	90	.	.	PUNCT
fsr-3263	169	1	fig	fig	NOUN
fsr-3263	169	2	.	.	PUNCT
fsr-3263	170	1	2	2	NUM
fsr-3263	170	2	.	.	NOUN
fsr-3263	170	3	face	face	NOUN
fsr-3263	170	4	value	value	NOUN
fsr-3263	170	5	amount	amount	NOUN
fsr-3263	170	6	of	of	ADP
fsr-3263	170	7	term	term	NOUN
fsr-3263	170	8	life	life	NOUN
fsr-3263	170	9	insurance	insurance	NOUN
fsr-3263	170	10	by	by	ADP
fsr-3263	170	11	household	household	NOUN
fsr-3263	170	12	size	size	NOUN
fsr-3263	170	13	.	.	PUNCT
fsr-3263	171	1	48	48	NUM
fsr-3263	171	2	m.a	m.a	PROPN
fsr-3263	171	3	.	.	PROPN
fsr-3263	171	4	guillemette	guillemette	PROPN
fsr-3263	171	5	et	et	PROPN
fsr-3263	171	6	al	al	PROPN
fsr-3263	171	7	.	.	PUNCT
fsr-3263	171	8	/	/	SYM
fsr-3263	171	9	financial	financial	ADJ
fsr-3263	171	10	services	service	NOUN
fsr-3263	171	11	review	review	VERB
fsr-3263	171	12	24	24	NUM
fsr-3263	171	13	(	(	PUNCT
fsr-3263	171	14	2015	2015	NUM
fsr-3263	171	15	)	)	PUNCT
fsr-3263	171	16	37–50	37–50	NUM
fsr-3263	171	17	capital	capital	NOUN
fsr-3263	171	18	is	be	AUX
fsr-3263	171	19	left	leave	VERB
fsr-3263	171	20	uninsured	uninsured	ADJ
fsr-3263	171	21	by	by	ADP
fsr-3263	171	22	minority	minority	NOUN
fsr-3263	171	23	households	household	NOUN
fsr-3263	171	24	as	as	ADP
fsr-3263	171	25	family	family	NOUN
fsr-3263	171	26	size	size	NOUN
fsr-3263	171	27	rises	rise	VERB
fsr-3263	171	28	also	also	ADV
fsr-3263	171	29	remains	remain	VERB
fsr-3263	171	30	unanswered	unanswered	ADJ
fsr-3263	171	31	.	.	PUNCT
fsr-3263	172	1	these	these	PRON
fsr-3263	172	2	are	be	AUX
fsr-3263	172	3	questions	question	NOUN
fsr-3263	172	4	we	we	PRON
fsr-3263	172	5	hope	hope	VERB
fsr-3263	172	6	will	will	AUX
fsr-3263	172	7	be	be	AUX
fsr-3263	172	8	explored	explore	VERB
fsr-3263	172	9	in	in	ADP
fsr-3263	172	10	future	future	ADJ
fsr-3263	172	11	studies	study	NOUN
fsr-3263	172	12	.	.	PUNCT
fsr-3263	173	1	notes	note	NOUN
fsr-3263	173	2	1	1	NUM
fsr-3263	173	3	as	as	ADV
fsr-3263	173	4	defined	define	VERB
fsr-3263	173	5	as	as	ADP
fsr-3263	173	6	“	"	PUNCT
fsr-3263	173	7	excellent	excellent	ADJ
fsr-3263	173	8	”	"	PUNCT
fsr-3263	173	9	or	or	CCONJ
fsr-3263	173	10	“	"	PUNCT
fsr-3263	173	11	good	good	ADJ
fsr-3263	173	12	”	"	PUNCT
fsr-3263	173	13	health	health	NOUN
fsr-3263	173	14	.	.	PUNCT
fsr-3263	174	1	2	2	NUM
fsr-3263	175	1	the	the	DET
fsr-3263	175	2	odds	odd	NOUN
fsr-3263	175	3	ratio	ratio	NOUN
fsr-3263	175	4	was	be	AUX
fsr-3263	175	5	derived	derive	VERB
fsr-3263	175	6	by	by	ADP
fsr-3263	175	7	taking	take	VERB
fsr-3263	175	8	the	the	DET
fsr-3263	175	9	coefficient	coefficient	NOUN
fsr-3263	175	10	for	for	ADP
fsr-3263	175	11	a	a	DET
fsr-3263	175	12	household	household	NOUN
fsr-3263	175	13	size	size	NOUN
fsr-3263	175	14	of	of	ADP
fsr-3263	175	15	three	three	NUM
fsr-3263	175	16	(	(	PUNCT
fsr-3263	175	17	0.1066	0.1066	NUM
fsr-3263	175	18	)	)	PUNCT
fsr-3263	175	19	and	and	CCONJ
fsr-3263	175	20	adding	add	VERB
fsr-3263	175	21	it	it	PRON
fsr-3263	175	22	to	to	ADP
fsr-3263	175	23	the	the	DET
fsr-3263	175	24	interaction	interaction	NOUN
fsr-3263	175	25	variable	variable	ADJ
fsr-3263	175	26	coefficient	coefficient	NOUN
fsr-3263	175	27	(	(	PUNCT
fsr-3263	175	28	�	�	NOUN
fsr-3263	175	29	0.4470	0.4470	NUM
fsr-3263	175	30	)	)	PUNCT
fsr-3263	175	31	.	.	PUNCT
fsr-3263	176	1	the	the	DET
fsr-3263	176	2	interaction	interaction	NOUN
fsr-3263	176	3	variable	variable	ADJ
fsr-3263	176	4	coefficient	coefficient	NOUN
fsr-3263	176	5	is	be	AUX
fsr-3263	176	6	multiplied	multiply	VERB
fsr-3263	176	7	by	by	ADP
fsr-3263	176	8	1	1	NUM
fsr-3263	176	9	to	to	PART
fsr-3263	176	10	designate	designate	VERB
fsr-3263	176	11	a	a	DET
fsr-3263	176	12	black	black	ADJ
fsr-3263	176	13	household	household	NOUN
fsr-3263	176	14	(	(	PUNCT
fsr-3263	176	15	0.1066	0.1066	NUM
fsr-3263	176	16	)	)	PUNCT
fsr-3263	176	17	�	�	PROPN
fsr-3263	176	18	(	(	PUNCT
fsr-3263	176	19	�	�	NOUN
fsr-3263	176	20	0.4470)*(1	0.4470)*(1	NOUN
fsr-3263	176	21	)	)	PUNCT
fsr-3263	176	22	�	�	PROPN
fsr-3263	176	23	�	�	PROPN
fsr-3263	176	24	0.3404	0.3404	NUM
fsr-3263	176	25	.	.	PUNCT
fsr-3263	177	1	the	the	DET
fsr-3263	177	2	exponential	exponential	NOUN
fsr-3263	177	3	is	be	AUX
fsr-3263	177	4	then	then	ADV
fsr-3263	177	5	taken	take	VERB
fsr-3263	177	6	to	to	PART
fsr-3263	177	7	get	get	VERB
fsr-3263	177	8	the	the	DET
fsr-3263	177	9	odds	odd	NOUN
fsr-3263	177	10	ratio	ratio	NOUN
fsr-3263	177	11	of	of	ADP
fsr-3263	177	12	0.7115	0.7115	NUM
fsr-3263	177	13	.	.	PUNCT
fsr-3263	178	1	3	3	NUM
fsr-3263	178	2	this	this	DET
fsr-3263	178	3	value	value	NOUN
fsr-3263	178	4	is	be	AUX
fsr-3263	178	5	derived	derive	VERB
fsr-3263	178	6	by	by	ADP
fsr-3263	178	7	taking	take	VERB
fsr-3263	178	8	the	the	DET
fsr-3263	178	9	coefficient	coefficient	NOUN
fsr-3263	178	10	for	for	ADP
fsr-3263	178	11	a	a	DET
fsr-3263	178	12	household	household	NOUN
fsr-3263	178	13	size	size	NOUN
fsr-3263	178	14	of	of	ADP
fsr-3263	178	15	two	two	NUM
fsr-3263	178	16	(	(	PUNCT
fsr-3263	178	17	�	�	NOUN
fsr-3263	178	18	15.9366	15.9366	NUM
fsr-3263	178	19	)	)	PUNCT
fsr-3263	178	20	and	and	CCONJ
fsr-3263	178	21	summing	sum	VERB
fsr-3263	178	22	it	it	PRON
fsr-3263	178	23	with	with	ADP
fsr-3263	178	24	the	the	DET
fsr-3263	178	25	coefficient	coefficient	NOUN
fsr-3263	178	26	for	for	ADP
fsr-3263	178	27	a	a	DET
fsr-3263	178	28	black	black	ADJ
fsr-3263	178	29	household	household	NOUN
fsr-3263	178	30	size	size	NOUN
fsr-3263	178	31	of	of	ADP
fsr-3263	178	32	two	two	NUM
fsr-3263	178	33	(	(	PUNCT
fsr-3263	178	34	�	�	NOUN
fsr-3263	178	35	127.156	127.156	NUM
fsr-3263	178	36	)	)	PUNCT
fsr-3263	178	37	.	.	PUNCT
fsr-3263	179	1	the	the	DET
fsr-3263	179	2	interaction	interaction	NOUN
fsr-3263	179	3	variable	variable	ADJ
fsr-3263	179	4	coefficient	coefficient	NOUN
fsr-3263	179	5	is	be	AUX
fsr-3263	179	6	multiplied	multiply	VERB
fsr-3263	179	7	by	by	ADP
fsr-3263	179	8	1	1	NUM
fsr-3263	179	9	to	to	PART
fsr-3263	179	10	indicate	indicate	VERB
fsr-3263	179	11	a	a	DET
fsr-3263	179	12	black	black	ADJ
fsr-3263	179	13	household	household	NOUN
fsr-3263	179	14	(	(	PUNCT
fsr-3263	179	15	�	�	NOUN
fsr-3263	179	16	15.9366	15.9366	NUM
fsr-3263	179	17	)	)	PUNCT
fsr-3263	179	18	�	�	PROPN
fsr-3263	179	19	(	(	PUNCT
fsr-3263	179	20	�	�	NOUN
fsr-3263	179	21	127.156)*(1	127.156)*(1	NUM
fsr-3263	179	22	)	)	PUNCT
fsr-3263	179	23	�	�	PROPN
fsr-3263	179	24	�	�	PROPN
fsr-3263	179	25	143.092	143.092	NUM
fsr-3263	179	26	.	.	PUNCT
fsr-3263	180	1	the	the	DET
fsr-3263	180	2	solution	solution	NOUN
fsr-3263	180	3	is	be	AUX
fsr-3263	180	4	then	then	ADV
fsr-3263	180	5	squared	square	VERB
fsr-3263	180	6	since	since	SCONJ
fsr-3263	180	7	the	the	DET
fsr-3263	180	8	square	square	ADJ
fsr-3263	180	9	root	root	NOUN
fsr-3263	180	10	of	of	ADP
fsr-3263	180	11	the	the	DET
fsr-3263	180	12	dependent	dependent	ADJ
fsr-3263	180	13	variable	variable	NOUN
fsr-3263	180	14	was	be	AUX
fsr-3263	180	15	originally	originally	ADV
fsr-3263	180	16	taken	take	VERB
fsr-3263	180	17	to	to	PART
fsr-3263	180	18	reduce	reduce	VERB
fsr-3263	180	19	skewness	skewness	NOUN
fsr-3263	180	20	(	(	PUNCT
fsr-3263	180	21	�	�	PROPN
fsr-3263	180	22	143.092)2̂	143.092)2̂	NUM
fsr-3263	180	23	�	�	PROPN
fsr-3263	180	24	�	�	PROPN
fsr-3263	180	25	20,475	20,475	NUM
fsr-3263	180	26	.	.	PUNCT
fsr-3263	181	1	the	the	DET
fsr-3263	181	2	negative	negative	ADJ
fsr-3263	181	3	sign	sign	NOUN
fsr-3263	181	4	is	be	AUX
fsr-3263	181	5	retained	retain	VERB
fsr-3263	181	6	after	after	SCONJ
fsr-3263	181	7	the	the	DET
fsr-3263	181	8	solution	solution	NOUN
fsr-3263	181	9	is	be	AUX
fsr-3263	181	10	squared	square	VERB
fsr-3263	181	11	.	.	PUNCT
fsr-3263	182	1	4	4	NUM
fsr-3263	182	2	refer	refer	VERB
fsr-3263	182	3	to	to	ADP
fsr-3263	182	4	table	table	NOUN
fsr-3263	182	5	3	3	NUM
fsr-3263	182	6	.	.	PUNCT
fsr-3263	183	1	references	reference	NOUN
fsr-3263	183	2	akerlof	akerlof	VERB
fsr-3263	183	3	,	,	PUNCT
fsr-3263	183	4	g.	g.	PROPN
fsr-3263	183	5	a.	a.	PROPN
fsr-3263	183	6	(	(	PUNCT
fsr-3263	183	7	1970	1970	NUM
fsr-3263	183	8	)	)	PUNCT
fsr-3263	183	9	.	.	PUNCT
fsr-3263	184	1	the	the	DET
fsr-3263	184	2	market	market	NOUN
fsr-3263	184	3	for	for	ADP
fsr-3263	184	4	“	"	PUNCT
fsr-3263	184	5	lemons	lemon	NOUN
fsr-3263	184	6	”	"	PUNCT
fsr-3263	184	7	:	:	PUNCT
fsr-3263	184	8	quality	quality	NOUN
fsr-3263	184	9	uncertainty	uncertainty	NOUN
fsr-3263	184	10	and	and	CCONJ
fsr-3263	184	11	the	the	DET
fsr-3263	184	12	market	market	NOUN
fsr-3263	184	13	mechanism	mechanism	NOUN
fsr-3263	184	14	.	.	PUNCT
fsr-3263	185	1	quarterly	quarterly	ADJ
fsr-3263	185	2	journal	journal	NOUN
fsr-3263	185	3	of	of	ADP
fsr-3263	185	4	economics	economic	NOUN
fsr-3263	185	5	,	,	PUNCT
fsr-3263	185	6	84	84	NUM
fsr-3263	185	7	,	,	PUNCT
fsr-3263	185	8	488–500	488–500	NUM
fsr-3263	185	9	.	.	PUNCT
fsr-3263	186	1	ando	ando	PROPN
fsr-3263	186	2	,	,	PUNCT
fsr-3263	186	3	a.	a.	PROPN
fsr-3263	186	4	,	,	PUNCT
fsr-3263	186	5	&	&	CCONJ
fsr-3263	186	6	modigliani	modigliani	PROPN
fsr-3263	186	7	,	,	PUNCT
fsr-3263	186	8	f.	f.	PROPN
fsr-3263	186	9	(	(	PUNCT
fsr-3263	186	10	1963	1963	NUM
fsr-3263	186	11	)	)	PUNCT
fsr-3263	186	12	.	.	PUNCT
fsr-3263	187	1	the	the	DET
fsr-3263	187	2	life	life	NOUN
fsr-3263	187	3	cycle	cycle	NOUN
fsr-3263	187	4	hypothesis	hypothesis	NOUN
fsr-3263	187	5	of	of	ADP
fsr-3263	187	6	saving	saving	NOUN
fsr-3263	187	7	;	;	PUNCT
fsr-3263	187	8	aggregate	aggregate	VERB
fsr-3263	187	9	implications	implication	NOUN
fsr-3263	187	10	and	and	CCONJ
fsr-3263	187	11	tests	test	NOUN
fsr-3263	187	12	.	.	PUNCT
fsr-3263	188	1	american	american	PROPN
fsr-3263	188	2	economic	economic	PROPN
fsr-3263	188	3	review	review	PROPN
fsr-3263	188	4	,	,	PUNCT
fsr-3263	188	5	53	53	NUM
fsr-3263	188	6	,	,	PUNCT
fsr-3263	188	7	55–84	55–84	PROPN
fsr-3263	188	8	.	.	PUNCT
fsr-3263	189	1	arrow	arrow	NOUN
fsr-3263	189	2	,	,	PUNCT
fsr-3263	189	3	k.	k.	PROPN
fsr-3263	189	4	j.	j.	PROPN
fsr-3263	189	5	(	(	PUNCT
fsr-3263	189	6	1972	1972	NUM
fsr-3263	189	7	)	)	PUNCT
fsr-3263	189	8	.	.	PUNCT
fsr-3263	190	1	gifts	gift	NOUN
fsr-3263	190	2	and	and	CCONJ
fsr-3263	190	3	exchanges	exchange	NOUN
fsr-3263	190	4	.	.	PUNCT
fsr-3263	191	1	philosophy	philosophy	NOUN
fsr-3263	191	2	&	&	CCONJ
fsr-3263	191	3	public	public	ADJ
fsr-3263	191	4	affairs	affair	NOUN
fsr-3263	191	5	,	,	PUNCT
fsr-3263	191	6	1	1	NUM
fsr-3263	191	7	,	,	PUNCT
fsr-3263	191	8	343–362	343–362	NUM
fsr-3263	191	9	.	.	PUNCT
fsr-3263	191	10	bajtelsmit	bajtelsmit	NOUN
fsr-3263	191	11	,	,	PUNCT
fsr-3263	191	12	v.	v.	ADP
fsr-3263	191	13	l.	l.	PROPN
fsr-3263	191	14	(	(	PUNCT
fsr-3263	191	15	2005	2005	NUM
fsr-3263	191	16	)	)	PUNCT
fsr-3263	191	17	.	.	PUNCT
fsr-3263	192	1	personal	personal	ADJ
fsr-3263	192	2	finance	finance	NOUN
fsr-3263	192	3	:	:	PUNCT
fsr-3263	192	4	skills	skill	NOUN
fsr-3263	192	5	for	for	ADP
fsr-3263	192	6	life	life	NOUN
fsr-3263	192	7	.	.	PUNCT
fsr-3263	193	1	hoboken	hoboken	PROPN
fsr-3263	193	2	,	,	PUNCT
fsr-3263	193	3	nj	nj	PROPN
fsr-3263	193	4	:	:	PUNCT
fsr-3263	193	5	wiley	wiley	PROPN
fsr-3263	193	6	.	.	PUNCT
fsr-3263	194	1	braumoeller	braumoeller	PROPN
fsr-3263	194	2	,	,	PUNCT
fsr-3263	194	3	b.	b.	PROPN
fsr-3263	194	4	(	(	PUNCT
fsr-3263	194	5	2004	2004	NUM
fsr-3263	194	6	)	)	PUNCT
fsr-3263	194	7	.	.	PUNCT
fsr-3263	195	1	hypothesis	hypothesis	NOUN
fsr-3263	195	2	testing	testing	NOUN
fsr-3263	195	3	and	and	CCONJ
fsr-3263	195	4	multiplicative	multiplicative	ADJ
fsr-3263	195	5	interaction	interaction	NOUN
fsr-3263	195	6	terms	term	NOUN
fsr-3263	195	7	.	.	PUNCT
fsr-3263	196	1	international	international	ADJ
fsr-3263	196	2	organization	organization	NOUN
fsr-3263	196	3	,	,	PUNCT
fsr-3263	196	4	58	58	NUM
fsr-3263	196	5	,	,	PUNCT
fsr-3263	196	6	807–820	807–820	NUM
fsr-3263	196	7	.	.	PUNCT
fsr-3263	196	8	table	table	NOUN
fsr-3263	196	9	8	8	NUM
fsr-3263	196	10	decline	decline	NOUN
fsr-3263	196	11	in	in	ADP
fsr-3263	196	12	cash	cash	NOUN
fsr-3263	196	13	value	value	NOUN
fsr-3263	196	14	face	face	NOUN
fsr-3263	196	15	amount	amount	NOUN
fsr-3263	196	16	as	as	SCONJ
fsr-3263	196	17	household	household	NOUN
fsr-3263	196	18	size	size	NOUN
fsr-3263	196	19	rises	rise	VERB
fsr-3263	196	20	parameter	parameter	NOUN
fsr-3263	196	21	estimate	estimate	NOUN
fsr-3263	196	22	bhhs2	bhhs2	PROPN
fsr-3263	196	23	�	�	PROPN
fsr-3263	196	24	$	$	SYM
fsr-3263	196	25	1,753	1,753	NUM
fsr-3263	196	26	bhhs3	bhhs3	NOUN
fsr-3263	196	27	�	�	PROPN
fsr-3263	196	28	$	$	SYM
fsr-3263	196	29	7,956	7,956	NUM
fsr-3263	196	30	bhhs4	bhhs4	X
fsr-3263	196	31	�	�	NOUN
fsr-3263	196	32	$	$	SYM
fsr-3263	196	33	6,324	6,324	NUM
fsr-3263	196	34	bhhs5p	bhhs5p	PROPN
fsr-3263	196	35	�	�	PROPN
fsr-3263	196	36	$	$	SYM
fsr-3263	196	37	12,030	12,030	NUM
fsr-3263	196	38	hhhs2	hhhs2	PROPN
fsr-3263	196	39	�	�	PROPN
fsr-3263	196	40	$	$	SYM
fsr-3263	196	41	1,389	1,389	NUM
fsr-3263	196	42	hhhs3	hhhs3	NOUN
fsr-3263	196	43	�	�	PROPN
fsr-3263	196	44	$	$	SYM
fsr-3263	196	45	349	349	NUM
fsr-3263	196	46	hhhs4	hhhs4	NOUN
fsr-3263	196	47	�	�	SYM
fsr-3263	196	48	$	$	SYM
fsr-3263	196	49	24,092	24,092	NUM
fsr-3263	196	50	*	*	PUNCT
fsr-3263	196	51	*	*	PUNCT
fsr-3263	196	52	hhhs5p	hhhs5p	PROPN
fsr-3263	196	53	�	�	PROPN
fsr-3263	196	54	$	$	SYM
fsr-3263	196	55	27,680	27,680	NUM
fsr-3263	196	56	*	*	NOUN
fsr-3263	196	57	*	*	PUNCT
fsr-3263	196	58	ohhs2	ohhs2	PROPN
fsr-3263	196	59	�	�	SYM
fsr-3263	196	60	$	$	SYM
fsr-3263	196	61	8,526	8,526	NUM
fsr-3263	196	62	ohhs3	ohhs3	X
fsr-3263	196	63	�	�	NOUN
fsr-3263	196	64	$	$	SYM
fsr-3263	196	65	4	4	NUM
fsr-3263	196	66	ohhs4	ohhs4	NOUN
fsr-3263	196	67	�	�	NOUN
fsr-3263	196	68	$	$	SYM
fsr-3263	196	69	2,974	2,974	NUM
fsr-3263	196	70	ohhs5p	ohhs5p	VERB
fsr-3263	196	71	�	�	NOUN
fsr-3263	196	72	$	$	SYM
fsr-3263	196	73	8	8	NUM
fsr-3263	196	74	*	*	PUNCT
fsr-3263	196	75	p	p	X
fsr-3263	196	76	�	�	PROPN
fsr-3263	196	77	0.05	0.05	NUM
fsr-3263	196	78	;	;	PUNCT
fsr-3263	196	79	*	*	PUNCT
fsr-3263	196	80	*	*	PUNCT
fsr-3263	196	81	p	p	X
fsr-3263	196	82	�	�	PROPN
fsr-3263	196	83	0.01	0.01	NUM
fsr-3263	196	84	.	.	PUNCT
fsr-3263	197	1	49m.a	49m.a	X
fsr-3263	197	2	.	.	PUNCT
fsr-3263	198	1	guillemette	guillemette	PROPN
fsr-3263	198	2	et	et	PROPN
fsr-3263	198	3	al	al	PROPN
fsr-3263	198	4	.	.	PUNCT
fsr-3263	198	5	/	/	SYM
fsr-3263	198	6	financial	financial	ADJ
fsr-3263	198	7	services	service	NOUN
fsr-3263	198	8	review	review	VERB
fsr-3263	198	9	24	24	NUM
fsr-3263	198	10	(	(	PUNCT
fsr-3263	198	11	2015	2015	NUM
fsr-3263	198	12	)	)	PUNCT
fsr-3263	198	13	37–50	37–50	NUM
fsr-3263	198	14	brehm	brehm	NOUN
fsr-3263	198	15	,	,	PUNCT
fsr-3263	198	16	j.	j.	PROPN
fsr-3263	198	17	,	,	PUNCT
fsr-3263	198	18	&	&	CCONJ
fsr-3263	198	19	rahn	rahn	PROPN
fsr-3263	198	20	,	,	PUNCT
fsr-3263	198	21	w.	w.	PROPN
fsr-3263	198	22	(	(	PUNCT
fsr-3263	198	23	1997	1997	NUM
fsr-3263	198	24	)	)	PUNCT
fsr-3263	198	25	.	.	PUNCT
fsr-3263	199	1	individual	individual	ADJ
fsr-3263	199	2	-	-	PUNCT
fsr-3263	199	3	level	level	NOUN
fsr-3263	199	4	evidence	evidence	NOUN
fsr-3263	199	5	for	for	ADP
fsr-3263	199	6	the	the	DET
fsr-3263	199	7	causes	cause	NOUN
fsr-3263	199	8	and	and	CCONJ
fsr-3263	199	9	consequences	consequence	NOUN
fsr-3263	199	10	of	of	ADP
fsr-3263	199	11	social	social	ADJ
fsr-3263	199	12	capital	capital	NOUN
fsr-3263	199	13	.	.	PUNCT
fsr-3263	200	1	american	american	ADJ
fsr-3263	200	2	journal	journal	PROPN
fsr-3263	200	3	of	of	ADP
fsr-3263	200	4	political	political	ADJ
fsr-3263	200	5	science	science	NOUN
fsr-3263	200	6	,	,	PUNCT
fsr-3263	200	7	41	41	NUM
fsr-3263	200	8	,	,	PUNCT
fsr-3263	200	9	999–1023	999–1023	NUM
fsr-3263	200	10	.	.	PUNCT
fsr-3263	201	1	burnett	burnett	PROPN
fsr-3263	201	2	,	,	PUNCT
fsr-3263	201	3	j.	j.	PROPN
fsr-3263	201	4	,	,	PUNCT
fsr-3263	201	5	&	&	CCONJ
fsr-3263	201	6	palmer	palmer	PROPN
fsr-3263	201	7	,	,	PUNCT
fsr-3263	201	8	b.	b.	PROPN
fsr-3263	201	9	(	(	PUNCT
fsr-3263	201	10	1984	1984	NUM
fsr-3263	201	11	)	)	PUNCT
fsr-3263	201	12	.	.	PUNCT
fsr-3263	202	1	examining	examine	VERB
fsr-3263	202	2	life	life	NOUN
fsr-3263	202	3	insurance	insurance	NOUN
fsr-3263	202	4	ownership	ownership	NOUN
fsr-3263	202	5	through	through	ADP
fsr-3263	202	6	demographic	demographic	ADJ
fsr-3263	202	7	and	and	CCONJ
fsr-3263	202	8	psychographic	psychographic	ADJ
fsr-3263	202	9	characteristics	characteristic	NOUN
fsr-3263	202	10	.	.	PUNCT
fsr-3263	203	1	journal	journal	NOUN
fsr-3263	203	2	of	of	ADP
fsr-3263	203	3	risk	risk	NOUN
fsr-3263	203	4	and	and	CCONJ
fsr-3263	203	5	insurance	insurance	NOUN
fsr-3263	203	6	,	,	PUNCT
fsr-3263	203	7	51	51	NUM
fsr-3263	203	8	,	,	PUNCT
fsr-3263	203	9	453–467	453–467	NUM
fsr-3263	203	10	.	.	PUNCT
fsr-3263	203	11	campbell	campbell	PROPN
fsr-3263	203	12	,	,	PUNCT
fsr-3263	203	13	j.	j.	PROPN
fsr-3263	203	14	y.	y.	PROPN
fsr-3263	203	15	(	(	PUNCT
fsr-3263	203	16	2006	2006	NUM
fsr-3263	203	17	)	)	PUNCT
fsr-3263	203	18	.	.	PUNCT
fsr-3263	204	1	household	household	NOUN
fsr-3263	204	2	finance	finance	NOUN
fsr-3263	204	3	.	.	PUNCT
fsr-3263	205	1	journal	journal	PROPN
fsr-3263	205	2	of	of	ADP
fsr-3263	205	3	finance	finance	NOUN
fsr-3263	205	4	,	,	PUNCT
fsr-3263	205	5	61	61	NUM
fsr-3263	205	6	,	,	PUNCT
fsr-3263	205	7	1553–1604	1553–1604	NUM
fsr-3263	205	8	.	.	PUNCT
fsr-3263	206	1	campbell	campbell	PROPN
fsr-3263	206	2	,	,	PUNCT
fsr-3263	206	3	r.	r.	PROPN
fsr-3263	206	4	(	(	PUNCT
fsr-3263	206	5	1980	1980	NUM
fsr-3263	206	6	)	)	PUNCT
fsr-3263	206	7	.	.	PUNCT
fsr-3263	207	1	the	the	DET
fsr-3263	207	2	demand	demand	NOUN
fsr-3263	207	3	for	for	ADP
fsr-3263	207	4	life	life	NOUN
fsr-3263	207	5	insurance	insurance	NOUN
fsr-3263	207	6	:	:	PUNCT
fsr-3263	207	7	an	an	DET
fsr-3263	207	8	application	application	NOUN
fsr-3263	207	9	of	of	ADP
fsr-3263	207	10	the	the	DET
fsr-3263	207	11	economics	economic	NOUN
fsr-3263	207	12	of	of	ADP
fsr-3263	207	13	uncertainty	uncertainty	NOUN
fsr-3263	207	14	.	.	PUNCT
fsr-3263	208	1	journal	journal	PROPN
fsr-3263	208	2	of	of	ADP
fsr-3263	208	3	finance	finance	NOUN
fsr-3263	208	4	,	,	PUNCT
fsr-3263	208	5	35	35	NUM
fsr-3263	208	6	,	,	PUNCT
fsr-3263	208	7	1155–1172	1155–1172	NUM
fsr-3263	208	8	.	.	PUNCT
fsr-3263	209	1	collins	collins	PROPN
fsr-3263	209	2	,	,	PUNCT
fsr-3263	209	3	p.	p.	PROPN
fsr-3263	209	4	,	,	PUNCT
fsr-3263	209	5	&	&	CCONJ
fsr-3263	209	6	lam	lam	PROPN
fsr-3263	209	7	,	,	PUNCT
fsr-3263	209	8	h.	h.	PROPN
fsr-3263	209	9	d.	d.	PROPN
fsr-3263	209	10	(	(	PUNCT
fsr-3263	209	11	2011	2011	NUM
fsr-3263	209	12	)	)	PUNCT
fsr-3263	209	13	.	.	PUNCT
fsr-3263	210	1	asset	asset	NOUN
fsr-3263	210	2	allocation	allocation	NOUN
fsr-3263	210	3	,	,	PUNCT
fsr-3263	210	4	human	human	ADJ
fsr-3263	210	5	capital	capital	NOUN
fsr-3263	210	6	,	,	PUNCT
fsr-3263	210	7	and	and	CCONJ
fsr-3263	210	8	the	the	DET
fsr-3263	210	9	demand	demand	NOUN
fsr-3263	210	10	to	to	PART
fsr-3263	210	11	hold	hold	VERB
fsr-3263	210	12	life	life	NOUN
fsr-3263	210	13	insurance	insurance	NOUN
fsr-3263	210	14	in	in	ADP
fsr-3263	210	15	retirement	retirement	NOUN
fsr-3263	210	16	.	.	PUNCT
fsr-3263	211	1	financial	financial	ADJ
fsr-3263	211	2	services	service	NOUN
fsr-3263	211	3	review	review	PROPN
fsr-3263	211	4	,	,	PUNCT
fsr-3263	211	5	20	20	NUM
fsr-3263	211	6	,	,	PUNCT
fsr-3263	211	7	303–325	303–325	NUM
fsr-3263	211	8	.	.	PUNCT
fsr-3263	212	1	fry	fry	PROPN
fsr-3263	212	2	,	,	PUNCT
fsr-3263	212	3	r.	r.	PROPN
fsr-3263	212	4	,	,	PUNCT
fsr-3263	212	5	&	&	CCONJ
fsr-3263	212	6	passel	passel	NOUN
fsr-3263	212	7	,	,	PUNCT
fsr-3263	212	8	j.	j.	PROPN
fsr-3263	212	9	s.	s.	PROPN
fsr-3263	212	10	(	(	PUNCT
fsr-3263	212	11	2014	2014	NUM
fsr-3263	212	12	)	)	PUNCT
fsr-3263	212	13	.	.	PUNCT
fsr-3263	213	1	in	in	ADP
fsr-3263	213	2	post	post	ADJ
fsr-3263	213	3	-	-	ADJ
fsr-3263	213	4	recession	recession	ADJ
fsr-3263	213	5	era	era	NOUN
fsr-3263	213	6	,	,	PUNCT
fsr-3263	213	7	young	young	ADJ
fsr-3263	213	8	adults	adult	NOUN
fsr-3263	213	9	drive	drive	VERB
fsr-3263	213	10	continuing	continue	VERB
fsr-3263	213	11	rise	rise	NOUN
fsr-3263	213	12	in	in	ADP
fsr-3263	213	13	multi	multi	ADJ
fsr-3263	213	14	-	-	ADJ
fsr-3263	213	15	generational	generational	ADJ
fsr-3263	213	16	living	living	NOUN
fsr-3263	213	17	.	.	PUNCT
fsr-3263	214	1	pew	pew	NOUN
fsr-3263	214	2	research	research	NOUN
fsr-3263	214	3	center	center	NOUN
fsr-3263	214	4	’s	’s	PART
fsr-3263	214	5	social	social	ADJ
fsr-3263	214	6	and	and	CCONJ
fsr-3263	214	7	demographic	demographic	ADJ
fsr-3263	214	8	trends	trend	NOUN
fsr-3263	214	9	project	project	NOUN
fsr-3263	214	10	.	.	PUNCT
fsr-3263	215	1	washington	washington	PROPN
fsr-3263	215	2	,	,	PUNCT
fsr-3263	215	3	dc	dc	PROPN
fsr-3263	215	4	.	.	PUNCT
fsr-3263	216	1	http://www	http://www	PROPN
fsr-3263	216	2	.	.	PUNCT
fsr-3263	216	3	pewsocialtrends.org/files/2014/07/st-2014-07-17-multigen-households-report.pdf	pewsocialtrends.org/files/2014/07/st-2014-07-17-multigen-households-report.pdf	PROPN
fsr-3263	216	4	guiso	guiso	PROPN
fsr-3263	216	5	,	,	PUNCT
fsr-3263	216	6	l.	l.	PROPN
fsr-3263	216	7	,	,	PUNCT
fsr-3263	216	8	sapienza	sapienza	PROPN
fsr-3263	216	9	,	,	PUNCT
fsr-3263	216	10	p.	p.	NOUN
fsr-3263	216	11	,	,	PUNCT
fsr-3263	216	12	&	&	CCONJ
fsr-3263	216	13	zingales	zingales	PROPN
fsr-3263	216	14	,	,	PUNCT
fsr-3263	216	15	l.	l.	PROPN
fsr-3263	216	16	(	(	PUNCT
fsr-3263	216	17	2008	2008	NUM
fsr-3263	216	18	)	)	PUNCT
fsr-3263	216	19	.	.	PUNCT
fsr-3263	217	1	trusting	trust	VERB
fsr-3263	217	2	the	the	DET
fsr-3263	217	3	stock	stock	NOUN
fsr-3263	217	4	market	market	NOUN
fsr-3263	217	5	.	.	PUNCT
fsr-3263	218	1	journal	journal	PROPN
fsr-3263	218	2	of	of	ADP
fsr-3263	218	3	finance	finance	NOUN
fsr-3263	218	4	,	,	PUNCT
fsr-3263	218	5	63	63	NUM
fsr-3263	218	6	,	,	PUNCT
fsr-3263	218	7	2557–2600	2557–2600	NUM
fsr-3263	218	8	.	.	PUNCT
fsr-3263	218	9	gutter	gutter	NOUN
fsr-3263	218	10	,	,	PUNCT
fsr-3263	218	11	m.	m.	NOUN
fsr-3263	218	12	s.	s.	PROPN
fsr-3263	218	13	,	,	PUNCT
fsr-3263	218	14	fox	fox	PROPN
fsr-3263	218	15	,	,	PUNCT
fsr-3263	218	16	j.	j.	PROPN
fsr-3263	218	17	j.	j.	PROPN
fsr-3263	218	18	,	,	PUNCT
fsr-3263	218	19	&	&	CCONJ
fsr-3263	218	20	montalto	montalto	PROPN
fsr-3263	218	21	,	,	PUNCT
fsr-3263	218	22	c.	c.	PROPN
fsr-3263	218	23	p.	p.	PROPN
fsr-3263	218	24	(	(	PUNCT
fsr-3263	218	25	1999	1999	NUM
fsr-3263	218	26	)	)	PUNCT
fsr-3263	218	27	.	.	PUNCT
fsr-3263	219	1	racial	racial	ADJ
fsr-3263	219	2	differences	difference	NOUN
fsr-3263	219	3	in	in	ADP
fsr-3263	219	4	investor	investor	NOUN
fsr-3263	219	5	decision	decision	NOUN
fsr-3263	219	6	making	making	NOUN
fsr-3263	219	7	.	.	PUNCT
fsr-3263	220	1	financial	financial	ADJ
fsr-3263	220	2	services	service	NOUN
fsr-3263	220	3	review	review	NOUN
fsr-3263	220	4	,	,	PUNCT
fsr-3263	220	5	8	8	NUM
fsr-3263	220	6	,	,	PUNCT
fsr-3263	220	7	149–162	149–162	NUM
fsr-3263	220	8	.	.	PUNCT
fsr-3263	221	1	gutter	gutter	NOUN
fsr-3263	221	2	,	,	PUNCT
fsr-3263	221	3	m.	m.	NOUN
fsr-3263	221	4	s.	s.	PROPN
fsr-3263	221	5	,	,	PUNCT
fsr-3263	221	6	&	&	CCONJ
fsr-3263	221	7	hatcher	hatcher	PROPN
fsr-3263	221	8	,	,	PUNCT
fsr-3263	221	9	c.	c.	PROPN
fsr-3263	221	10	b.	b.	PROPN
fsr-3263	221	11	(	(	PUNCT
fsr-3263	221	12	2008	2008	NUM
fsr-3263	221	13	)	)	PUNCT
fsr-3263	221	14	.	.	PUNCT
fsr-3263	222	1	racial	racial	ADJ
fsr-3263	222	2	differences	difference	NOUN
fsr-3263	222	3	in	in	ADP
fsr-3263	222	4	the	the	DET
fsr-3263	222	5	demand	demand	NOUN
fsr-3263	222	6	for	for	ADP
fsr-3263	222	7	life	life	NOUN
fsr-3263	222	8	insurance	insurance	NOUN
fsr-3263	222	9	.	.	PUNCT
fsr-3263	223	1	journal	journal	NOUN
fsr-3263	223	2	of	of	ADP
fsr-3263	223	3	risk	risk	NOUN
fsr-3263	223	4	and	and	CCONJ
fsr-3263	223	5	insurance	insurance	NOUN
fsr-3263	223	6	,	,	PUNCT
fsr-3263	223	7	75	75	NUM
fsr-3263	223	8	,	,	PUNCT
fsr-3263	223	9	677–689	677–689	NUM
fsr-3263	223	10	.	.	PUNCT
fsr-3263	224	1	hammond	hammond	PROPN
fsr-3263	224	2	,	,	PUNCT
fsr-3263	224	3	j.	j.	PROPN
fsr-3263	224	4	d.	d.	PROPN
fsr-3263	224	5	,	,	PUNCT
fsr-3263	224	6	houston	houston	PROPN
fsr-3263	224	7	,	,	PUNCT
fsr-3263	224	8	d.	d.	PROPN
fsr-3263	224	9	b.	b.	PROPN
fsr-3263	224	10	,	,	PUNCT
fsr-3263	224	11	&	&	CCONJ
fsr-3263	224	12	melander	melander	NOUN
fsr-3263	224	13	,	,	PUNCT
fsr-3263	224	14	e.	e.	PROPN
fsr-3263	224	15	r.	r.	PROPN
fsr-3263	224	16	(	(	PUNCT
fsr-3263	224	17	1967	1967	NUM
fsr-3263	224	18	)	)	PUNCT
fsr-3263	224	19	.	.	PUNCT
fsr-3263	225	1	determinants	determinant	NOUN
fsr-3263	225	2	of	of	ADP
fsr-3263	225	3	household	household	NOUN
fsr-3263	225	4	life	life	NOUN
fsr-3263	225	5	insurance	insurance	NOUN
fsr-3263	225	6	premium	premium	NOUN
fsr-3263	225	7	expenditure	expenditure	NOUN
fsr-3263	225	8	:	:	PUNCT
fsr-3263	225	9	an	an	DET
fsr-3263	225	10	empirical	empirical	ADJ
fsr-3263	225	11	investigation	investigation	NOUN
fsr-3263	225	12	.	.	PUNCT
fsr-3263	226	1	journal	journal	NOUN
fsr-3263	226	2	of	of	ADP
fsr-3263	226	3	risk	risk	NOUN
fsr-3263	226	4	and	and	CCONJ
fsr-3263	226	5	insurance	insurance	NOUN
fsr-3263	226	6	,	,	PUNCT
fsr-3263	226	7	34	34	NUM
fsr-3263	226	8	,	,	PUNCT
fsr-3263	226	9	397–408	397–408	NUM
fsr-3263	226	10	.	.	PUNCT
fsr-3263	227	1	harrison	harrison	PROPN
fsr-3263	227	2	,	,	PUNCT
fsr-3263	227	3	a.	a.	NOUN
fsr-3263	227	4	o.	o.	PROPN
fsr-3263	227	5	,	,	PUNCT
fsr-3263	227	6	wilson	wilson	PROPN
fsr-3263	227	7	,	,	PUNCT
fsr-3263	227	8	m.	m.	NOUN
fsr-3263	227	9	n.	n.	PROPN
fsr-3263	227	10	,	,	PUNCT
fsr-3263	227	11	pine	pine	NOUN
fsr-3263	227	12	,	,	PUNCT
fsr-3263	227	13	c.	c.	PROPN
fsr-3263	227	14	j.	j.	PROPN
fsr-3263	227	15	,	,	PUNCT
fsr-3263	227	16	chan	chan	PROPN
fsr-3263	227	17	,	,	PUNCT
fsr-3263	227	18	s.	s.	PROPN
fsr-3263	227	19	q.	q.	PROPN
fsr-3263	227	20	,	,	PUNCT
fsr-3263	227	21	&	&	CCONJ
fsr-3263	227	22	buriel	buriel	PROPN
fsr-3263	227	23	,	,	PUNCT
fsr-3263	227	24	r.	r.	PROPN
fsr-3263	227	25	(	(	PUNCT
fsr-3263	227	26	1990	1990	NUM
fsr-3263	227	27	)	)	PUNCT
fsr-3263	227	28	.	.	PUNCT
fsr-3263	228	1	family	family	NOUN
fsr-3263	228	2	ecologies	ecology	NOUN
fsr-3263	228	3	of	of	ADP
fsr-3263	228	4	ethnic	ethnic	ADJ
fsr-3263	228	5	minority	minority	NOUN
fsr-3263	228	6	children	child	NOUN
fsr-3263	228	7	.	.	PUNCT
fsr-3263	229	1	child	child	NOUN
fsr-3263	229	2	development	development	NOUN
fsr-3263	229	3	,	,	PUNCT
fsr-3263	229	4	61	61	NUM
fsr-3263	229	5	,	,	PUNCT
fsr-3263	229	6	347–362	347–362	NUM
fsr-3263	229	7	.	.	PUNCT
fsr-3263	230	1	heo	heo	PROPN
fsr-3263	230	2	,	,	PUNCT
fsr-3263	230	3	w.	w.	PROPN
fsr-3263	230	4	,	,	PUNCT
fsr-3263	230	5	grable	grable	PROPN
fsr-3263	230	6	,	,	PUNCT
fsr-3263	230	7	j.	j.	PROPN
fsr-3263	230	8	e.	e.	PROPN
fsr-3263	230	9	,	,	PUNCT
fsr-3263	230	10	&	&	CCONJ
fsr-3263	230	11	chatterjee	chatterjee	PROPN
fsr-3263	230	12	,	,	PUNCT
fsr-3263	230	13	s.	s.	PROPN
fsr-3263	230	14	(	(	PUNCT
fsr-3263	230	15	2013	2013	NUM
fsr-3263	230	16	)	)	PUNCT
fsr-3263	230	17	.	.	PUNCT
fsr-3263	231	1	life	life	NOUN
fsr-3263	231	2	insurance	insurance	NOUN
fsr-3263	231	3	consumption	consumption	NOUN
fsr-3263	231	4	as	as	ADP
fsr-3263	231	5	a	a	DET
fsr-3263	231	6	function	function	NOUN
fsr-3263	231	7	of	of	ADP
fsr-3263	231	8	wealth	wealth	NOUN
fsr-3263	231	9	change	change	NOUN
fsr-3263	231	10	.	.	PUNCT
fsr-3263	232	1	financial	financial	ADJ
fsr-3263	232	2	services	service	NOUN
fsr-3263	232	3	review	review	PROPN
fsr-3263	232	4	,	,	PUNCT
fsr-3263	232	5	22	22	NUM
fsr-3263	232	6	,	,	PUNCT
fsr-3263	232	7	389–404	389–404	NUM
fsr-3263	232	8	.	.	PUNCT
fsr-3263	233	1	kennickell	kennickell	PROPN
fsr-3263	233	2	,	,	PUNCT
fsr-3263	233	3	a.	a.	PROPN
fsr-3263	233	4	b.	b.	PROPN
fsr-3263	233	5	,	,	PUNCT
fsr-3263	233	6	&	&	CCONJ
fsr-3263	233	7	woodburn	woodburn	PROPN
fsr-3263	233	8	,	,	PUNCT
fsr-3263	233	9	r.	r.	PROPN
fsr-3263	233	10	l.	l.	PROPN
fsr-3263	233	11	(	(	PUNCT
fsr-3263	233	12	1997	1997	NUM
fsr-3263	233	13	)	)	PUNCT
fsr-3263	233	14	.	.	PUNCT
fsr-3263	234	1	consistent	consistent	ADJ
fsr-3263	234	2	weight	weight	NOUN
fsr-3263	234	3	design	design	NOUN
fsr-3263	234	4	for	for	ADP
fsr-3263	234	5	the	the	DET
fsr-3263	234	6	1989	1989	NUM
fsr-3263	234	7	,	,	PUNCT
fsr-3263	234	8	1992	1992	NUM
fsr-3263	234	9	and	and	CCONJ
fsr-3263	234	10	1995	1995	NUM
fsr-3263	234	11	scfs	scfs	NOUN
fsr-3263	234	12	and	and	CCONJ
fsr-3263	234	13	the	the	DET
fsr-3263	234	14	distribution	distribution	NOUN
fsr-3263	234	15	of	of	ADP
fsr-3263	234	16	wealth	wealth	NOUN
fsr-3263	234	17	.	.	PUNCT
fsr-3263	235	1	working	work	VERB
fsr-3263	235	2	paper	paper	NOUN
fsr-3263	235	3	.	.	PUNCT
fsr-3263	236	1	board	board	NOUN
fsr-3263	236	2	of	of	ADP
fsr-3263	236	3	governors	governor	NOUN
fsr-3263	236	4	of	of	ADP
fsr-3263	236	5	the	the	DET
fsr-3263	236	6	federal	federal	PROPN
fsr-3263	236	7	reserve	reserve	PROPN
fsr-3263	236	8	system	system	PROPN
fsr-3263	236	9	,	,	PUNCT
fsr-3263	236	10	washington	washington	PROPN
fsr-3263	236	11	,	,	PUNCT
fsr-3263	236	12	dc	dc	PROPN
fsr-3263	236	13	.	.	PROPN
fsr-3263	236	14	maddala	maddala	PROPN
fsr-3263	236	15	,	,	PUNCT
fsr-3263	236	16	g.	g.	PROPN
fsr-3263	236	17	s.	s.	PROPN
fsr-3263	236	18	(	(	PUNCT
fsr-3263	236	19	1987	1987	NUM
fsr-3263	236	20	)	)	PUNCT
fsr-3263	236	21	.	.	PUNCT
fsr-3263	237	1	limited	limited	ADJ
fsr-3263	237	2	dependent	dependent	ADJ
fsr-3263	237	3	variable	variable	ADJ
fsr-3263	237	4	models	model	NOUN
fsr-3263	237	5	using	use	VERB
fsr-3263	237	6	panel	panel	NOUN
fsr-3263	237	7	data	datum	NOUN
fsr-3263	237	8	.	.	PUNCT
fsr-3263	238	1	journal	journal	PROPN
fsr-3263	238	2	of	of	ADP
fsr-3263	238	3	human	human	ADJ
fsr-3263	238	4	resources	resource	NOUN
fsr-3263	238	5	,	,	PUNCT
fsr-3263	238	6	22	22	NUM
fsr-3263	238	7	,	,	PUNCT
fsr-3263	238	8	307–338	307–338	NUM
fsr-3263	238	9	.	.	PUNCT
fsr-3263	239	1	mui	mui	NOUN
fsr-3263	239	2	,	,	PUNCT
fsr-3263	239	3	a.	a.	NOUN
fsr-3263	239	4	c.	c.	PROPN
fsr-3263	239	5	(	(	PUNCT
fsr-3263	239	6	1993	1993	NUM
fsr-3263	239	7	)	)	PUNCT
fsr-3263	239	8	.	.	PUNCT
fsr-3263	240	1	self	self	NOUN
fsr-3263	240	2	-	-	PUNCT
fsr-3263	240	3	reported	report	VERB
fsr-3263	240	4	depressive	depressive	ADJ
fsr-3263	240	5	symptoms	symptom	NOUN
fsr-3263	240	6	among	among	ADP
fsr-3263	240	7	black	black	ADJ
fsr-3263	240	8	and	and	CCONJ
fsr-3263	240	9	hispanic	hispanic	ADJ
fsr-3263	240	10	frail	frail	ADJ
fsr-3263	240	11	elders	elder	NOUN
fsr-3263	240	12	:	:	PUNCT
fsr-3263	240	13	a	a	DET
fsr-3263	240	14	sociocultural	sociocultural	ADJ
fsr-3263	240	15	perspective	perspective	NOUN
fsr-3263	240	16	.	.	PUNCT
fsr-3263	241	1	journal	journal	NOUN
fsr-3263	241	2	of	of	ADP
fsr-3263	241	3	applied	apply	VERB
fsr-3263	241	4	gerontology	gerontology	NOUN
fsr-3263	241	5	,	,	PUNCT
fsr-3263	241	6	12	12	NUM
fsr-3263	241	7	,	,	PUNCT
fsr-3263	241	8	170–187	170–187	NUM
fsr-3263	241	9	.	.	PUNCT
fsr-3263	242	1	mutran	mutran	PROPN
fsr-3263	242	2	,	,	PUNCT
fsr-3263	242	3	e.	e.	PROPN
fsr-3263	242	4	(	(	PUNCT
fsr-3263	242	5	1985	1985	NUM
fsr-3263	242	6	)	)	PUNCT
fsr-3263	242	7	.	.	PUNCT
fsr-3263	243	1	intergenerational	intergenerational	ADJ
fsr-3263	243	2	family	family	NOUN
fsr-3263	243	3	support	support	NOUN
fsr-3263	243	4	among	among	ADP
fsr-3263	243	5	blacks	black	NOUN
fsr-3263	243	6	and	and	CCONJ
fsr-3263	243	7	whites	white	NOUN
fsr-3263	243	8	:	:	PUNCT
fsr-3263	243	9	response	response	NOUN
fsr-3263	243	10	to	to	ADP
fsr-3263	243	11	culture	culture	NOUN
fsr-3263	243	12	or	or	CCONJ
fsr-3263	243	13	to	to	ADP
fsr-3263	243	14	socioeconomic	socioeconomic	ADJ
fsr-3263	243	15	differences	difference	NOUN
fsr-3263	243	16	.	.	PUNCT
fsr-3263	244	1	journal	journal	PROPN
fsr-3263	244	2	of	of	ADP
fsr-3263	244	3	gerontology	gerontology	NOUN
fsr-3263	244	4	,	,	PUNCT
fsr-3263	244	5	may	may	AUX
fsr-3263	244	6	,	,	PUNCT
fsr-3263	244	7	382–389	382–389	NUM
fsr-3263	244	8	.	.	PUNCT
fsr-3263	245	1	padgett	padgett	PROPN
fsr-3263	245	2	,	,	PUNCT
fsr-3263	245	3	d.	d.	PROPN
fsr-3263	245	4	l.	l.	PROPN
fsr-3263	245	5	(	(	PUNCT
fsr-3263	245	6	1997	1997	NUM
fsr-3263	245	7	)	)	PUNCT
fsr-3263	245	8	.	.	PUNCT
fsr-3263	246	1	the	the	DET
fsr-3263	246	2	contribution	contribution	NOUN
fsr-3263	246	3	of	of	ADP
fsr-3263	246	4	support	support	NOUN
fsr-3263	246	5	networks	network	NOUN
fsr-3263	246	6	to	to	ADP
fsr-3263	246	7	household	household	NOUN
fsr-3263	246	8	labor	labor	NOUN
fsr-3263	246	9	in	in	ADP
fsr-3263	246	10	african	african	ADJ
fsr-3263	246	11	american	american	ADJ
fsr-3263	246	12	families	family	NOUN
fsr-3263	246	13	.	.	PUNCT
fsr-3263	247	1	journal	journal	PROPN
fsr-3263	247	2	of	of	ADP
fsr-3263	247	3	family	family	NOUN
fsr-3263	247	4	issues	issue	NOUN
fsr-3263	247	5	,	,	PUNCT
fsr-3263	247	6	18	18	NUM
fsr-3263	247	7	,	,	PUNCT
fsr-3263	247	8	227–250	227–250	NUM
fsr-3263	247	9	.	.	PUNCT
fsr-3263	248	1	tienda	tienda	NOUN
fsr-3263	248	2	,	,	PUNCT
fsr-3263	248	3	m.	m.	NOUN
fsr-3263	248	4	,	,	PUNCT
fsr-3263	248	5	&	&	CCONJ
fsr-3263	248	6	angel	angel	PROPN
fsr-3263	248	7	,	,	PUNCT
fsr-3263	248	8	r.	r.	PROPN
fsr-3263	248	9	(	(	PUNCT
fsr-3263	248	10	1982	1982	NUM
fsr-3263	248	11	)	)	PUNCT
fsr-3263	248	12	.	.	PUNCT
fsr-3263	249	1	determinants	determinant	NOUN
fsr-3263	249	2	of	of	ADP
fsr-3263	249	3	extended	extended	ADJ
fsr-3263	249	4	household	household	NOUN
fsr-3263	249	5	structure	structure	NOUN
fsr-3263	249	6	:	:	PUNCT
fsr-3263	249	7	cultural	cultural	ADJ
fsr-3263	249	8	pattern	pattern	NOUN
fsr-3263	249	9	or	or	CCONJ
fsr-3263	249	10	economic	economic	ADJ
fsr-3263	249	11	need	need	NOUN
fsr-3263	249	12	?	?	PUNCT
fsr-3263	250	1	american	american	ADJ
fsr-3263	250	2	journal	journal	PROPN
fsr-3263	250	3	of	of	ADP
fsr-3263	250	4	sociology	sociology	NOUN
fsr-3263	250	5	,	,	PUNCT
fsr-3263	250	6	87	87	NUM
fsr-3263	250	7	,	,	PUNCT
fsr-3263	250	8	1360–83	1360–83	NUM
fsr-3263	250	9	.	.	PUNCT
fsr-3263	251	1	truett	truett	NOUN
fsr-3263	251	2	,	,	PUNCT
fsr-3263	251	3	d.	d.	PROPN
fsr-3263	251	4	b.	b.	PROPN
fsr-3263	251	5	,	,	PUNCT
fsr-3263	251	6	&	&	CCONJ
fsr-3263	251	7	truett	truett	PROPN
fsr-3263	251	8	,	,	PUNCT
fsr-3263	251	9	l.	l.	PROPN
fsr-3263	251	10	j.	j.	PROPN
fsr-3263	251	11	(	(	PUNCT
fsr-3263	251	12	1990	1990	NUM
fsr-3263	251	13	)	)	PUNCT
fsr-3263	251	14	.	.	PUNCT
fsr-3263	252	1	the	the	DET
fsr-3263	252	2	demand	demand	NOUN
fsr-3263	252	3	for	for	ADP
fsr-3263	252	4	life	life	NOUN
fsr-3263	252	5	insurance	insurance	NOUN
fsr-3263	252	6	in	in	ADP
fsr-3263	252	7	mexico	mexico	PROPN
fsr-3263	252	8	and	and	CCONJ
fsr-3263	252	9	the	the	DET
fsr-3263	252	10	united	united	PROPN
fsr-3263	252	11	states	states	PROPN
fsr-3263	252	12	:	:	PUNCT
fsr-3263	252	13	a	a	DET
fsr-3263	252	14	comparative	comparative	ADJ
fsr-3263	252	15	study	study	NOUN
fsr-3263	252	16	.	.	PUNCT
fsr-3263	253	1	journal	journal	NOUN
fsr-3263	253	2	of	of	ADP
fsr-3263	253	3	risk	risk	NOUN
fsr-3263	253	4	and	and	CCONJ
fsr-3263	253	5	insurance	insurance	NOUN
fsr-3263	253	6	,	,	PUNCT
fsr-3263	253	7	57	57	NUM
fsr-3263	253	8	,	,	PUNCT
fsr-3263	253	9	321–328	321–328	NUM
fsr-3263	253	10	.	.	PUNCT
fsr-3263	254	1	tyler	tyler	PROPN
fsr-3263	254	2	,	,	PUNCT
fsr-3263	254	3	k.	k.	PROPN
fsr-3263	254	4	,	,	PUNCT
fsr-3263	254	5	&	&	CCONJ
fsr-3263	254	6	stanley	stanley	PROPN
fsr-3263	254	7	,	,	PUNCT
fsr-3263	254	8	e.	e.	PROPN
fsr-3263	254	9	(	(	PUNCT
fsr-3263	254	10	2007	2007	NUM
fsr-3263	254	11	)	)	PUNCT
fsr-3263	254	12	.	.	PUNCT
fsr-3263	255	1	the	the	DET
fsr-3263	255	2	role	role	NOUN
fsr-3263	255	3	of	of	ADP
fsr-3263	255	4	trust	trust	NOUN
fsr-3263	255	5	in	in	ADP
fsr-3263	255	6	financial	financial	ADJ
fsr-3263	255	7	services	service	NOUN
fsr-3263	255	8	business	business	NOUN
fsr-3263	255	9	relationships	relationship	NOUN
fsr-3263	255	10	.	.	PUNCT
fsr-3263	256	1	journal	journal	PROPN
fsr-3263	256	2	of	of	ADP
fsr-3263	256	3	services	service	NOUN
fsr-3263	256	4	marketing	marketing	NOUN
fsr-3263	256	5	,	,	PUNCT
fsr-3263	256	6	21	21	NUM
fsr-3263	256	7	,	,	PUNCT
fsr-3263	256	8	334–344	334–344	NUM
fsr-3263	256	9	.	.	PUNCT
fsr-3263	257	1	wasserman	wasserman	PROPN
fsr-3263	257	2	,	,	PUNCT
fsr-3263	257	3	g.	g.	PROPN
fsr-3263	257	4	a.	a.	PROPN
fsr-3263	257	5	,	,	PUNCT
fsr-3263	257	6	rauh	rauh	PROPN
fsr-3263	257	7	,	,	PUNCT
fsr-3263	257	8	v.	v.	PROPN
fsr-3263	257	9	a.	a.	PROPN
fsr-3263	257	10	,	,	PUNCT
fsr-3263	257	11	brunelli	brunelli	PROPN
fsr-3263	257	12	,	,	PUNCT
fsr-3263	257	13	s.	s.	PROPN
fsr-3263	257	14	a.	a.	PROPN
fsr-3263	257	15	,	,	PUNCT
fsr-3263	257	16	&	&	CCONJ
fsr-3263	257	17	garcia	garcia	PROPN
fsr-3263	257	18	-	-	PUNCT
fsr-3263	257	19	castro	castro	PROPN
fsr-3263	257	20	,	,	PUNCT
fsr-3263	257	21	m.	m.	NOUN
fsr-3263	257	22	(	(	PUNCT
fsr-3263	257	23	1990	1990	NUM
fsr-3263	257	24	)	)	PUNCT
fsr-3263	257	25	.	.	PUNCT
fsr-3263	258	1	psychosocial	psychosocial	ADJ
fsr-3263	258	2	attributes	attribute	NOUN
fsr-3263	258	3	and	and	CCONJ
fsr-3263	258	4	life	life	NOUN
fsr-3263	258	5	experiences	experience	NOUN
fsr-3263	258	6	of	of	ADP
fsr-3263	258	7	disadvantaged	disadvantaged	ADJ
fsr-3263	258	8	minority	minority	NOUN
fsr-3263	258	9	mothers	mother	NOUN
fsr-3263	258	10	:	:	PUNCT
fsr-3263	258	11	age	age	NOUN
fsr-3263	258	12	and	and	CCONJ
fsr-3263	258	13	ethnic	ethnic	ADJ
fsr-3263	258	14	variations	variation	NOUN
fsr-3263	258	15	.	.	PUNCT
fsr-3263	259	1	child	child	NOUN
fsr-3263	259	2	development	development	NOUN
fsr-3263	259	3	,	,	PUNCT
fsr-3263	259	4	61	61	NUM
fsr-3263	259	5	,	,	PUNCT
fsr-3263	259	6	566–580	566–580	NUM
fsr-3263	259	7	.	.	PUNCT
fsr-3263	260	1	weems	weems	PROPN
fsr-3263	260	2	,	,	PUNCT
fsr-3263	260	3	r.	r.	PROPN
fsr-3263	260	4	e.	e.	PROPN
fsr-3263	260	5	(	(	PUNCT
fsr-3263	260	6	1996	1996	NUM
fsr-3263	260	7	)	)	PUNCT
fsr-3263	260	8	.	.	PUNCT
fsr-3263	261	1	black	black	ADJ
fsr-3263	261	2	business	business	NOUN
fsr-3263	261	3	in	in	ADP
fsr-3263	261	4	a	a	DET
fsr-3263	261	5	black	black	ADJ
fsr-3263	261	6	metropolis	metropolis	NOUN
fsr-3263	261	7	:	:	PUNCT
fsr-3263	261	8	the	the	DET
fsr-3263	261	9	chicago	chicago	PROPN
fsr-3263	261	10	metropolitan	metropolitan	PROPN
fsr-3263	261	11	assurance	assurance	NOUN
fsr-3263	261	12	company	company	NOUN
fsr-3263	261	13	,	,	PUNCT
fsr-3263	261	14	1925–1985	1925–1985	NUM
fsr-3263	261	15	.	.	PUNCT
fsr-3263	261	16	bloomington	bloomington	PROPN
fsr-3263	261	17	,	,	PUNCT
fsr-3263	261	18	in	in	ADP
fsr-3263	261	19	:	:	PUNCT
fsr-3263	261	20	indiana	indiana	PROPN
fsr-3263	261	21	university	university	PROPN
fsr-3263	261	22	press	press	NOUN
fsr-3263	261	23	.	.	PUNCT
fsr-3263	262	1	zietz	zietz	NOUN
fsr-3263	262	2	,	,	PUNCT
fsr-3263	262	3	e.	e.	PROPN
fsr-3263	262	4	n.	n.	PROPN
fsr-3263	262	5	(	(	PUNCT
fsr-3263	262	6	2003	2003	NUM
fsr-3263	262	7	)	)	PUNCT
fsr-3263	262	8	.	.	PUNCT
fsr-3263	263	1	an	an	DET
fsr-3263	263	2	examination	examination	NOUN
fsr-3263	263	3	of	of	ADP
fsr-3263	263	4	the	the	DET
fsr-3263	263	5	demand	demand	NOUN
fsr-3263	263	6	for	for	ADP
fsr-3263	263	7	life	life	NOUN
fsr-3263	263	8	insurance	insurance	NOUN
fsr-3263	263	9	.	.	PUNCT
fsr-3263	264	1	risk	risk	NOUN
fsr-3263	264	2	management	management	NOUN
fsr-3263	264	3	and	and	CCONJ
fsr-3263	264	4	insurance	insurance	NOUN
fsr-3263	264	5	review	review	NOUN
fsr-3263	264	6	,	,	PUNCT
fsr-3263	264	7	6	6	NUM
fsr-3263	264	8	,	,	PUNCT
fsr-3263	264	9	159–191	159–191	NUM
fsr-3263	264	10	.	.	PUNCT
fsr-3263	265	1	50	50	NUM
fsr-3263	265	2	m.a	m.a	PROPN
fsr-3263	265	3	.	.	PROPN
fsr-3263	265	4	guillemette	guillemette	PROPN
fsr-3263	265	5	et	et	PROPN
fsr-3263	265	6	al	al	PROPN
fsr-3263	265	7	.	.	PUNCT
fsr-3263	265	8	/	/	SYM
fsr-3263	265	9	financial	financial	ADJ
fsr-3263	265	10	services	service	NOUN
fsr-3263	265	11	review	review	VERB
fsr-3263	265	12	24	24	NUM
fsr-3263	265	13	(	(	PUNCT
fsr-3263	265	14	2015	2015	NUM
fsr-3263	265	15	)	)	PUNCT
fsr-3263	265	16	37–50	37–50	NUM