id	sid	tid	token	lemma	pos
fsr-3265	1	1	do	do	VERB
fsr-3265	1	2	financial	financial	ADJ
fsr-3265	1	3	networks	network	NOUN
fsr-3265	1	4	matter	matter	VERB
fsr-3265	1	5	in	in	ADP
fsr-3265	1	6	retirement	retirement	NOUN
fsr-3265	1	7	investment	investment	NOUN
fsr-3265	1	8	decisions	decision	NOUN
fsr-3265	1	9	?	?	PUNCT
fsr-3265	2	1	evidence	evidence	NOUN
fsr-3265	2	2	from	from	ADP
fsr-3265	2	3	generation	generation	NOUN
fsr-3265	2	4	yers	yer	NOUN
fsr-3265	2	5	yunhyung	yunhyung	PROPN
fsr-3265	2	6	chunga	chunga	PROPN
fsr-3265	2	7	,	,	PUNCT
fsr-3265	2	8	youngkyun	youngkyun	PROPN
fsr-3265	2	9	parka	parka	PROPN
fsr-3265	2	10	,	,	PUNCT
fsr-3265	2	11	*	*	PUNCT
fsr-3265	2	12	acollege	acollege	NOUN
fsr-3265	2	13	of	of	ADP
fsr-3265	2	14	business	business	NOUN
fsr-3265	2	15	and	and	CCONJ
fsr-3265	2	16	economics	economic	NOUN
fsr-3265	2	17	,	,	PUNCT
fsr-3265	2	18	university	university	NOUN
fsr-3265	2	19	of	of	ADP
fsr-3265	2	20	idaho	idaho	PROPN
fsr-3265	2	21	,	,	PUNCT
fsr-3265	2	22	875	875	NUM
fsr-3265	2	23	perimeter	perimeter	NOUN
fsr-3265	2	24	drive	drive	VERB
fsr-3265	2	25	ms	ms	PROPN
fsr-3265	2	26	3161	3161	NUM
fsr-3265	2	27	,	,	PUNCT
fsr-3265	2	28	moscow	moscow	PROPN
fsr-3265	2	29	,	,	PUNCT
fsr-3265	2	30	i	i	PROPN
fsr-3265	2	31	d	d	PROPN
fsr-3265	2	32	83844	83844	NUM
fsr-3265	2	33	-	-	SYM
fsr-3265	2	34	3161	3161	NUM
fsr-3265	2	35	,	,	PUNCT
fsr-3265	2	36	usa	usa	PROPN
fsr-3265	2	37	abstract	abstract	PROPN
fsr-3265	2	38	using	use	VERB
fsr-3265	2	39	experimental	experimental	ADJ
fsr-3265	2	40	survey	survey	NOUN
fsr-3265	2	41	data	datum	NOUN
fsr-3265	2	42	collected	collect	VERB
fsr-3265	2	43	from	from	ADP
fsr-3265	2	44	a	a	DET
fsr-3265	2	45	sample	sample	NOUN
fsr-3265	2	46	of	of	ADP
fsr-3265	2	47	generation	generation	NOUN
fsr-3265	2	48	yers	yer	NOUN
fsr-3265	2	49	,	,	PUNCT
fsr-3265	2	50	we	we	PRON
fsr-3265	2	51	examine	examine	VERB
fsr-3265	2	52	the	the	DET
fsr-3265	2	53	joint	joint	ADJ
fsr-3265	2	54	influence	influence	NOUN
fsr-3265	2	55	of	of	ADP
fsr-3265	2	56	financial	financial	ADJ
fsr-3265	2	57	literacy	literacy	NOUN
fsr-3265	2	58	and	and	CCONJ
fsr-3265	2	59	financial	financial	ADJ
fsr-3265	2	60	networks	network	NOUN
fsr-3265	2	61	on	on	ADP
fsr-3265	2	62	individual	individual	ADJ
fsr-3265	2	63	retirement	retirement	NOUN
fsr-3265	2	64	investment	investment	NOUN
fsr-3265	2	65	decisions	decision	NOUN
fsr-3265	2	66	.	.	PUNCT
fsr-3265	3	1	we	we	PRON
fsr-3265	3	2	find	find	VERB
fsr-3265	3	3	,	,	PUNCT
fsr-3265	3	4	first	first	ADV
fsr-3265	3	5	,	,	PUNCT
fsr-3265	3	6	that	that	SCONJ
fsr-3265	3	7	financial	financial	ADJ
fsr-3265	3	8	literacy	literacy	NOUN
fsr-3265	3	9	and	and	CCONJ
fsr-3265	3	10	financial	financial	ADJ
fsr-3265	3	11	network	network	NOUN
fsr-3265	3	12	intensity	intensity	NOUN
fsr-3265	3	13	(	(	PUNCT
fsr-3265	3	14	the	the	DET
fsr-3265	3	15	network	network	NOUN
fsr-3265	3	16	strength	strength	NOUN
fsr-3265	3	17	with	with	ADP
fsr-3265	3	18	the	the	DET
fsr-3265	3	19	financially	financially	ADV
fsr-3265	3	20	literate	literate	ADJ
fsr-3265	3	21	)	)	PUNCT
fsr-3265	3	22	are	be	AUX
fsr-3265	3	23	positively	positively	ADV
fsr-3265	3	24	related	relate	VERB
fsr-3265	3	25	to	to	ADP
fsr-3265	3	26	stock	stock	NOUN
fsr-3265	3	27	allocation	allocation	NOUN
fsr-3265	3	28	.	.	PUNCT
fsr-3265	4	1	second	second	ADJ
fsr-3265	4	2	,	,	PUNCT
fsr-3265	4	3	the	the	DET
fsr-3265	4	4	positive	positive	ADJ
fsr-3265	4	5	relationship	relationship	NOUN
fsr-3265	4	6	between	between	ADP
fsr-3265	4	7	financial	financial	ADJ
fsr-3265	4	8	literacy	literacy	NOUN
fsr-3265	4	9	and	and	CCONJ
fsr-3265	4	10	stock	stock	NOUN
fsr-3265	4	11	allocation	allocation	NOUN
fsr-3265	4	12	,	,	PUNCT
fsr-3265	4	13	however	however	ADV
fsr-3265	4	14	,	,	PUNCT
fsr-3265	4	15	is	be	AUX
fsr-3265	4	16	significant	significant	ADJ
fsr-3265	4	17	only	only	ADV
fsr-3265	4	18	among	among	ADP
fsr-3265	4	19	those	those	PRON
fsr-3265	4	20	having	have	VERB
fsr-3265	4	21	high	high	ADJ
fsr-3265	4	22	financial	financial	ADJ
fsr-3265	4	23	network	network	NOUN
fsr-3265	4	24	intensity	intensity	NOUN
fsr-3265	4	25	.	.	PUNCT
fsr-3265	5	1	this	this	DET
fsr-3265	5	2	finding	finding	NOUN
fsr-3265	5	3	suggests	suggest	VERB
fsr-3265	5	4	that	that	SCONJ
fsr-3265	5	5	the	the	DET
fsr-3265	5	6	positive	positive	ADJ
fsr-3265	5	7	effects	effect	NOUN
fsr-3265	5	8	of	of	ADP
fsr-3265	5	9	financial	financial	ADJ
fsr-3265	5	10	literacy	literacy	NOUN
fsr-3265	5	11	documented	document	VERB
fsr-3265	5	12	in	in	ADP
fsr-3265	5	13	the	the	DET
fsr-3265	5	14	literature	literature	NOUN
fsr-3265	5	15	can	can	AUX
fsr-3265	5	16	be	be	AUX
fsr-3265	5	17	limited	limit	VERB
fsr-3265	5	18	to	to	ADP
fsr-3265	5	19	only	only	ADV
fsr-3265	5	20	those	those	PRON
fsr-3265	5	21	who	who	PRON
fsr-3265	5	22	have	have	VERB
fsr-3265	5	23	strong	strong	ADJ
fsr-3265	5	24	networks	network	NOUN
fsr-3265	5	25	with	with	ADP
fsr-3265	5	26	the	the	DET
fsr-3265	5	27	financially	financially	ADV
fsr-3265	5	28	literate	literate	ADJ
fsr-3265	5	29	.	.	PUNCT
fsr-3265	6	1	©	©	PROPN
fsr-3265	6	2	2015	2015	NUM
fsr-3265	6	3	academy	academy	NOUN
fsr-3265	6	4	of	of	ADP
fsr-3265	6	5	financial	financial	ADJ
fsr-3265	6	6	services	service	NOUN
fsr-3265	6	7	.	.	PUNCT
fsr-3265	7	1	all	all	DET
fsr-3265	7	2	rights	right	NOUN
fsr-3265	7	3	reserved	reserve	VERB
fsr-3265	7	4	.	.	PUNCT
fsr-3265	8	1	jel	jel	PROPN
fsr-3265	8	2	classification	classification	NOUN
fsr-3265	8	3	:	:	PUNCT
fsr-3265	8	4	g11	g11	PROPN
fsr-3265	8	5	;	;	PUNCT
fsr-3265	8	6	j26	j26	ADJ
fsr-3265	8	7	keywords	keyword	NOUN
fsr-3265	8	8	:	:	PUNCT
fsr-3265	8	9	retirement	retirement	NOUN
fsr-3265	8	10	investment	investment	NOUN
fsr-3265	8	11	decisions	decision	NOUN
fsr-3265	8	12	;	;	PUNCT
fsr-3265	8	13	financial	financial	ADJ
fsr-3265	8	14	networks	network	NOUN
fsr-3265	8	15	;	;	PUNCT
fsr-3265	8	16	financial	financial	ADJ
fsr-3265	8	17	literacy	literacy	NOUN
fsr-3265	8	18	1	1	NUM
fsr-3265	8	19	.	.	PUNCT
fsr-3265	8	20	introduction	introduction	NOUN
fsr-3265	8	21	while	while	SCONJ
fsr-3265	8	22	the	the	DET
fsr-3265	8	23	financial	financial	ADJ
fsr-3265	8	24	environment	environment	NOUN
fsr-3265	8	25	becomes	become	VERB
fsr-3265	8	26	complex	complex	ADJ
fsr-3265	8	27	and	and	CCONJ
fsr-3265	8	28	volatile	volatile	ADJ
fsr-3265	8	29	,	,	PUNCT
fsr-3265	8	30	individual	individual	ADJ
fsr-3265	8	31	financial	financial	ADJ
fsr-3265	8	32	decision	decision	NOUN
fsr-3265	8	33	-	-	PUNCT
fsr-3265	8	34	making	making	NOUN
fsr-3265	8	35	has	have	AUX
fsr-3265	8	36	been	be	AUX
fsr-3265	8	37	considered	consider	VERB
fsr-3265	8	38	an	an	DET
fsr-3265	8	39	important	important	ADJ
fsr-3265	8	40	factor	factor	NOUN
fsr-3265	8	41	of	of	ADP
fsr-3265	8	42	determining	determine	VERB
fsr-3265	8	43	an	an	DET
fsr-3265	8	44	individual	individual	NOUN
fsr-3265	8	45	’s	’s	PART
fsr-3265	8	46	financial	financial	ADJ
fsr-3265	8	47	well	well	NOUN
fsr-3265	8	48	-	-	PUNCT
fsr-3265	8	49	being	being	NOUN
fsr-3265	8	50	.	.	PUNCT
fsr-3265	9	1	thus	thus	ADV
fsr-3265	9	2	,	,	PUNCT
fsr-3265	9	3	a	a	DET
fsr-3265	9	4	large	large	ADJ
fsr-3265	9	5	body	body	NOUN
fsr-3265	9	6	of	of	ADP
fsr-3265	9	7	research	research	NOUN
fsr-3265	9	8	has	have	AUX
fsr-3265	9	9	investigated	investigate	VERB
fsr-3265	9	10	what	what	PRON
fsr-3265	9	11	factors	factor	NOUN
fsr-3265	9	12	influence	influence	VERB
fsr-3265	9	13	financial	financial	ADJ
fsr-3265	9	14	decision	decision	NOUN
fsr-3265	9	15	-	-	PUNCT
fsr-3265	9	16	making	making	NOUN
fsr-3265	9	17	and	and	CCONJ
fsr-3265	9	18	has	have	AUX
fsr-3265	9	19	found	find	VERB
fsr-3265	9	20	that	that	SCONJ
fsr-3265	9	21	financial	financial	ADJ
fsr-3265	9	22	literacy	literacy	NOUN
fsr-3265	9	23	is	be	AUX
fsr-3265	9	24	a	a	DET
fsr-3265	9	25	key	key	ADJ
fsr-3265	9	26	determinant	determinant	ADJ
fsr-3265	9	27	in	in	ADP
fsr-3265	9	28	many	many	ADJ
fsr-3265	9	29	areas	area	NOUN
fsr-3265	9	30	such	such	ADJ
fsr-3265	9	31	as	as	ADP
fsr-3265	9	32	money	money	NOUN
fsr-3265	9	33	management	management	NOUN
fsr-3265	9	34	,	,	PUNCT
fsr-3265	9	35	credit	credit	NOUN
fsr-3265	9	36	,	,	PUNCT
fsr-3265	9	37	investment	investment	NOUN
fsr-3265	9	38	,	,	PUNCT
fsr-3265	9	39	and	and	CCONJ
fsr-3265	9	40	retirement	retirement	NOUN
fsr-3265	9	41	planning	planning	NOUN
fsr-3265	9	42	(	(	PUNCT
fsr-3265	9	43	e.g.	e.g.	ADV
fsr-3265	9	44	,	,	PUNCT
fsr-3265	9	45	campbell	campbell	PROPN
fsr-3265	9	46	,	,	PUNCT
fsr-3265	9	47	2006	2006	NUM
fsr-3265	9	48	;	;	PUNCT
fsr-3265	9	49	lusardi	lusardi	PROPN
fsr-3265	9	50	&	&	CCONJ
fsr-3265	9	51	tufano	tufano	PROPN
fsr-3265	9	52	,	,	PUNCT
fsr-3265	9	53	2009	2009	NUM
fsr-3265	9	54	;	;	PUNCT
fsr-3265	9	55	moore	moore	PROPN
fsr-3265	9	56	,	,	PUNCT
fsr-3265	9	57	2003	2003	NUM
fsr-3265	9	58	;	;	PUNCT
fsr-3265	9	59	perry	perry	PROPN
fsr-3265	9	60	&	&	CCONJ
fsr-3265	9	61	morris	morris	PROPN
fsr-3265	9	62	,	,	PUNCT
fsr-3265	9	63	2005	2005	NUM
fsr-3265	9	64	)	)	PUNCT
fsr-3265	9	65	.	.	PUNCT
fsr-3265	10	1	however	however	ADV
fsr-3265	10	2	,	,	PUNCT
fsr-3265	10	3	*	*	PUNCT
fsr-3265	10	4	corresponding	correspond	VERB
fsr-3265	10	5	author	author	NOUN
fsr-3265	10	6	.	.	PUNCT
fsr-3265	11	1	tel	tel	PROPN
fsr-3265	11	2	.	.	PUNCT
fsr-3265	11	3	:	:	PUNCT
fsr-3265	12	1	�	�	PROPN
fsr-3265	12	2	1	1	NUM
fsr-3265	12	3	-	-	SYM
fsr-3265	12	4	208	208	NUM
fsr-3265	12	5	-	-	PUNCT
fsr-3265	12	6	885	885	NUM
fsr-3265	12	7	-	-	PUNCT
fsr-3265	12	8	7154	7154	NUM
fsr-3265	12	9	;	;	PUNCT
fsr-3265	12	10	fax	fax	NOUN
fsr-3265	12	11	:	:	PUNCT
fsr-3265	12	12	�	�	PROPN
fsr-3265	12	13	1	1	NUM
fsr-3265	12	14	-	-	SYM
fsr-3265	12	15	208	208	NUM
fsr-3265	12	16	-	-	PUNCT
fsr-3265	12	17	885	885	NUM
fsr-3265	12	18	-	-	SYM
fsr-3265	12	19	5347	5347	NUM
fsr-3265	12	20	.	.	PUNCT
fsr-3265	13	1	e	e	X
fsr-3265	13	2	-	-	NOUN
fsr-3265	13	3	mail	mail	NOUN
fsr-3265	13	4	address	address	NOUN
fsr-3265	13	5	:	:	PUNCT
fsr-3265	13	6	youngpark@uidaho.edu	youngpark@uidaho.edu	PROPN
fsr-3265	13	7	(	(	PUNCT
fsr-3265	13	8	y.	y.	PROPN
fsr-3265	13	9	park	park	PROPN
fsr-3265	13	10	)	)	PUNCT
fsr-3265	13	11	financial	financial	ADJ
fsr-3265	13	12	services	service	NOUN
fsr-3265	13	13	review	review	VERB
fsr-3265	13	14	24	24	NUM
fsr-3265	13	15	(	(	PUNCT
fsr-3265	13	16	2015	2015	NUM
fsr-3265	13	17	)	)	PUNCT
fsr-3265	13	18	77–99	77–99	NUM
fsr-3265	13	19	1057	1057	NUM
fsr-3265	13	20	-	-	SYM
fsr-3265	13	21	0810/15/$	0810/15/$	NUM
fsr-3265	13	22	–	–	PUNCT
fsr-3265	13	23	see	see	VERB
fsr-3265	13	24	front	front	ADJ
fsr-3265	13	25	matter	matter	NOUN
fsr-3265	13	26	©	©	PROPN
fsr-3265	13	27	2015	2015	NUM
fsr-3265	13	28	academy	academy	NOUN
fsr-3265	13	29	of	of	ADP
fsr-3265	13	30	financial	financial	ADJ
fsr-3265	13	31	services	service	NOUN
fsr-3265	13	32	.	.	PUNCT
fsr-3265	14	1	all	all	DET
fsr-3265	14	2	rights	right	NOUN
fsr-3265	14	3	reserved	reserve	VERB
fsr-3265	14	4	.	.	PUNCT
fsr-3265	15	1	financial	financial	ADJ
fsr-3265	15	2	literacy	literacy	NOUN
fsr-3265	15	3	alone	alone	ADV
fsr-3265	15	4	may	may	AUX
fsr-3265	15	5	not	not	PART
fsr-3265	15	6	be	be	AUX
fsr-3265	15	7	able	able	ADJ
fsr-3265	15	8	to	to	PART
fsr-3265	15	9	improve	improve	VERB
fsr-3265	15	10	financial	financial	ADJ
fsr-3265	15	11	behaviors	behavior	NOUN
fsr-3265	15	12	substantially	substantially	ADV
fsr-3265	15	13	(	(	PUNCT
fsr-3265	15	14	e.g.	e.g.	ADV
fsr-3265	15	15	,	,	PUNCT
fsr-3265	15	16	fernandes	fernande	NOUN
fsr-3265	15	17	,	,	PUNCT
fsr-3265	15	18	lynch	lynch	PROPN
fsr-3265	15	19	,	,	PUNCT
fsr-3265	15	20	&	&	CCONJ
fsr-3265	15	21	netemeyer	netemeyer	PROPN
fsr-3265	15	22	,	,	PUNCT
fsr-3265	15	23	2014	2014	NUM
fsr-3265	15	24	;	;	PUNCT
fsr-3265	15	25	kiviat	kiviat	PROPN
fsr-3265	15	26	&	&	CCONJ
fsr-3265	15	27	morduch	morduch	PROPN
fsr-3265	15	28	,	,	PUNCT
fsr-3265	15	29	2012).1	2012).1	CCONJ
fsr-3265	15	30	because	because	SCONJ
fsr-3265	15	31	of	of	ADP
fsr-3265	15	32	the	the	DET
fsr-3265	15	33	fastchanging	fastchange	VERB
fsr-3265	15	34	financial	financial	ADJ
fsr-3265	15	35	product	product	NOUN
fsr-3265	15	36	offerings	offering	NOUN
fsr-3265	15	37	and	and	CCONJ
fsr-3265	15	38	industry	industry	NOUN
fsr-3265	15	39	environment	environment	NOUN
fsr-3265	15	40	,	,	PUNCT
fsr-3265	15	41	acquiring	acquire	VERB
fsr-3265	15	42	and	and	CCONJ
fsr-3265	15	43	processing	process	VERB
fsr-3265	15	44	up	up	ADP
fsr-3265	15	45	-	-	PUNCT
fsr-3265	15	46	to	to	ADP
fsr-3265	15	47	-	-	PUNCT
fsr-3265	15	48	date	date	NOUN
fsr-3265	15	49	financial	financial	ADJ
fsr-3265	15	50	knowledge	knowledge	NOUN
fsr-3265	15	51	and	and	CCONJ
fsr-3265	15	52	information	information	NOUN
fsr-3265	15	53	is	be	AUX
fsr-3265	15	54	quite	quite	ADV
fsr-3265	15	55	challenging	challenging	ADJ
fsr-3265	15	56	even	even	ADV
fsr-3265	15	57	to	to	ADP
fsr-3265	15	58	those	those	PRON
fsr-3265	15	59	who	who	PRON
fsr-3265	15	60	are	be	AUX
fsr-3265	15	61	financially	financially	ADV
fsr-3265	15	62	literate	literate	ADJ
fsr-3265	15	63	(	(	PUNCT
fsr-3265	15	64	willis	willis	PROPN
fsr-3265	15	65	,	,	PUNCT
fsr-3265	15	66	2011	2011	NUM
fsr-3265	15	67	)	)	PUNCT
fsr-3265	15	68	.	.	PUNCT
fsr-3265	16	1	consequently	consequently	ADV
fsr-3265	16	2	,	,	PUNCT
fsr-3265	16	3	individual	individual	ADJ
fsr-3265	16	4	investors	investor	NOUN
fsr-3265	16	5	often	often	ADV
fsr-3265	16	6	rely	rely	VERB
fsr-3265	16	7	on	on	ADP
fsr-3265	16	8	other	other	ADJ
fsr-3265	16	9	people	people	NOUN
fsr-3265	16	10	to	to	PART
fsr-3265	16	11	make	make	VERB
fsr-3265	16	12	investment	investment	NOUN
fsr-3265	16	13	decisions	decision	NOUN
fsr-3265	16	14	,	,	PUNCT
fsr-3265	16	15	instead	instead	ADV
fsr-3265	16	16	of	of	ADP
fsr-3265	16	17	solely	solely	ADV
fsr-3265	16	18	on	on	ADP
fsr-3265	16	19	their	their	PRON
fsr-3265	16	20	own	own	ADJ
fsr-3265	16	21	knowledge	knowledge	NOUN
fsr-3265	16	22	.	.	PUNCT
fsr-3265	17	1	relatively	relatively	ADV
fsr-3265	17	2	recently	recently	ADV
fsr-3265	17	3	,	,	PUNCT
fsr-3265	17	4	research	research	NOUN
fsr-3265	17	5	on	on	ADP
fsr-3265	17	6	financial	financial	ADJ
fsr-3265	17	7	decision	decision	NOUN
fsr-3265	17	8	-	-	PUNCT
fsr-3265	17	9	making	making	NOUN
fsr-3265	17	10	has	have	AUX
fsr-3265	17	11	begun	begin	VERB
fsr-3265	17	12	to	to	PART
fsr-3265	17	13	recognize	recognize	VERB
fsr-3265	17	14	the	the	DET
fsr-3265	17	15	importance	importance	NOUN
fsr-3265	17	16	of	of	ADP
fsr-3265	17	17	social	social	ADJ
fsr-3265	17	18	interactions	interaction	NOUN
fsr-3265	17	19	in	in	ADP
fsr-3265	17	20	individual	individual	ADJ
fsr-3265	17	21	investment	investment	NOUN
fsr-3265	17	22	decisions	decision	NOUN
fsr-3265	17	23	.	.	PUNCT
fsr-3265	18	1	because	because	SCONJ
fsr-3265	18	2	individual	individual	ADJ
fsr-3265	18	3	investors	investor	NOUN
fsr-3265	18	4	may	may	AUX
fsr-3265	18	5	be	be	AUX
fsr-3265	18	6	able	able	ADJ
fsr-3265	18	7	to	to	PART
fsr-3265	18	8	reduce	reduce	VERB
fsr-3265	18	9	time	time	NOUN
fsr-3265	18	10	and	and	CCONJ
fsr-3265	18	11	effort	effort	NOUN
fsr-3265	18	12	to	to	PART
fsr-3265	18	13	acquire	acquire	VERB
fsr-3265	18	14	financial	financial	ADJ
fsr-3265	18	15	knowledge	knowledge	NOUN
fsr-3265	18	16	and	and	CCONJ
fsr-3265	18	17	information	information	NOUN
fsr-3265	18	18	through	through	ADP
fsr-3265	18	19	social	social	ADJ
fsr-3265	18	20	interactions	interaction	NOUN
fsr-3265	18	21	with	with	ADP
fsr-3265	18	22	others	other	NOUN
fsr-3265	18	23	,	,	PUNCT
fsr-3265	18	24	“	"	PUNCT
fsr-3265	18	25	social	social	ADJ
fsr-3265	18	26	”	"	PUNCT
fsr-3265	18	27	people	people	NOUN
fsr-3265	18	28	are	be	AUX
fsr-3265	18	29	more	more	ADV
fsr-3265	18	30	likely	likely	ADJ
fsr-3265	18	31	to	to	PART
fsr-3265	18	32	participate	participate	VERB
fsr-3265	18	33	in	in	ADP
fsr-3265	18	34	financial	financial	ADJ
fsr-3265	18	35	markets	market	NOUN
fsr-3265	18	36	than	than	ADP
fsr-3265	18	37	others	other	NOUN
fsr-3265	18	38	who	who	PRON
fsr-3265	18	39	do	do	AUX
fsr-3265	18	40	not	not	PART
fsr-3265	18	41	engage	engage	VERB
fsr-3265	18	42	in	in	ADP
fsr-3265	18	43	social	social	ADJ
fsr-3265	18	44	interactions	interaction	NOUN
fsr-3265	18	45	(	(	PUNCT
fsr-3265	18	46	brown	brown	ADJ
fsr-3265	18	47	,	,	PUNCT
fsr-3265	18	48	ivković	ivković	ADJ
fsr-3265	18	49	,	,	PUNCT
fsr-3265	18	50	smith	smith	PROPN
fsr-3265	18	51	,	,	PUNCT
fsr-3265	18	52	&	&	CCONJ
fsr-3265	18	53	weisbenner	weisbenner	PROPN
fsr-3265	18	54	,	,	PUNCT
fsr-3265	18	55	2008	2008	NUM
fsr-3265	18	56	;	;	PUNCT
fsr-3265	18	57	duflo	duflo	PROPN
fsr-3265	18	58	&	&	CCONJ
fsr-3265	18	59	saez	saez	PROPN
fsr-3265	18	60	,	,	PUNCT
fsr-3265	18	61	2002	2002	NUM
fsr-3265	18	62	;	;	PUNCT
fsr-3265	18	63	hong	hong	PROPN
fsr-3265	18	64	,	,	PUNCT
fsr-3265	18	65	kubik	kubik	PROPN
fsr-3265	18	66	,	,	PUNCT
fsr-3265	18	67	&	&	CCONJ
fsr-3265	18	68	stein	stein	PROPN
fsr-3265	18	69	,	,	PUNCT
fsr-3265	18	70	2004	2004	NUM
fsr-3265	18	71	;	;	PUNCT
fsr-3265	18	72	ivković	ivković	ADJ
fsr-3265	18	73	&	&	CCONJ
fsr-3265	18	74	weisbenner	weisbenner	PROPN
fsr-3265	18	75	,	,	PUNCT
fsr-3265	18	76	2007	2007	NUM
fsr-3265	18	77	;	;	PUNCT
fsr-3265	18	78	kaustia	kaustia	PROPN
fsr-3265	18	79	&	&	CCONJ
fsr-3265	18	80	knupfer	knupfer	PROPN
fsr-3265	18	81	,	,	PUNCT
fsr-3265	18	82	2012	2012	NUM
fsr-3265	18	83	;	;	PUNCT
fsr-3265	18	84	lu	lu	PROPN
fsr-3265	18	85	,	,	PUNCT
fsr-3265	18	86	2011	2011	NUM
fsr-3265	18	87	)	)	PUNCT
fsr-3265	18	88	.	.	PUNCT
fsr-3265	19	1	in	in	ADP
fsr-3265	19	2	line	line	NOUN
fsr-3265	19	3	with	with	ADP
fsr-3265	19	4	this	this	DET
fsr-3265	19	5	argument	argument	NOUN
fsr-3265	19	6	,	,	PUNCT
fsr-3265	19	7	research	research	NOUN
fsr-3265	19	8	on	on	ADP
fsr-3265	19	9	social	social	ADJ
fsr-3265	19	10	networks	network	NOUN
fsr-3265	19	11	in	in	ADP
fsr-3265	19	12	management	management	NOUN
fsr-3265	19	13	finds	find	VERB
fsr-3265	19	14	that	that	SCONJ
fsr-3265	19	15	individuals	individual	NOUN
fsr-3265	19	16	may	may	AUX
fsr-3265	19	17	acquire	acquire	VERB
fsr-3265	19	18	a	a	DET
fsr-3265	19	19	high	high	ADJ
fsr-3265	19	20	volume	volume	NOUN
fsr-3265	19	21	of	of	ADP
fsr-3265	19	22	and	and	CCONJ
fsr-3265	19	23	diverse	diverse	ADJ
fsr-3265	19	24	work	work	NOUN
fsr-3265	19	25	-	-	PUNCT
fsr-3265	19	26	related	relate	VERB
fsr-3265	19	27	knowledge	knowledge	NOUN
fsr-3265	19	28	and	and	CCONJ
fsr-3265	19	29	information	information	NOUN
fsr-3265	19	30	through	through	ADP
fsr-3265	19	31	frequent	frequent	ADJ
fsr-3265	19	32	communication	communication	NOUN
fsr-3265	19	33	with	with	ADP
fsr-3265	19	34	co	co	NOUN
fsr-3265	19	35	-	-	NOUN
fsr-3265	19	36	workers	worker	NOUN
fsr-3265	19	37	or	or	CCONJ
fsr-3265	19	38	experts	expert	NOUN
fsr-3265	19	39	who	who	PRON
fsr-3265	19	40	have	have	VERB
fsr-3265	19	41	task	task	NOUN
fsr-3265	19	42	-	-	PUNCT
fsr-3265	19	43	related	relate	VERB
fsr-3265	19	44	knowledge	knowledge	NOUN
fsr-3265	19	45	(	(	PUNCT
fsr-3265	19	46	hansen	hansen	PROPN
fsr-3265	19	47	,	,	PUNCT
fsr-3265	19	48	mors	mor	NOUN
fsr-3265	19	49	,	,	PUNCT
fsr-3265	19	50	&	&	CCONJ
fsr-3265	19	51	lovas	lovas	PROPN
fsr-3265	19	52	,	,	PUNCT
fsr-3265	19	53	2005	2005	NUM
fsr-3265	19	54	;	;	PUNCT
fsr-3265	19	55	mcfadyen	mcfadyen	NOUN
fsr-3265	19	56	&	&	CCONJ
fsr-3265	19	57	cannella	cannella	NOUN
fsr-3265	19	58	,	,	PUNCT
fsr-3265	19	59	2004	2004	NUM
fsr-3265	19	60	;	;	PUNCT
fsr-3265	19	61	reinholt	reinholt	NOUN
fsr-3265	19	62	,	,	PUNCT
fsr-3265	19	63	pedersen	pedersen	PROPN
fsr-3265	19	64	,	,	PUNCT
fsr-3265	19	65	&	&	CCONJ
fsr-3265	19	66	foss	foss	PROPN
fsr-3265	19	67	,	,	PUNCT
fsr-3265	19	68	2011	2011	NUM
fsr-3265	19	69	;	;	PUNCT
fsr-3265	19	70	wang	wang	PROPN
fsr-3265	19	71	&	&	CCONJ
fsr-3265	19	72	noe	noe	PROPN
fsr-3265	19	73	,	,	PUNCT
fsr-3265	19	74	2010	2010	NUM
fsr-3265	19	75	)	)	PUNCT
fsr-3265	19	76	.	.	PUNCT
fsr-3265	20	1	because	because	SCONJ
fsr-3265	20	2	tacit	tacit	ADJ
fsr-3265	20	3	and	and	CCONJ
fsr-3265	20	4	confidential	confidential	ADJ
fsr-3265	20	5	knowledge	knowledge	NOUN
fsr-3265	20	6	tend	tend	VERB
fsr-3265	20	7	to	to	PART
fsr-3265	20	8	be	be	AUX
fsr-3265	20	9	shared	share	VERB
fsr-3265	20	10	only	only	ADV
fsr-3265	20	11	with	with	ADP
fsr-3265	20	12	whom	whom	PRON
fsr-3265	20	13	people	people	NOUN
fsr-3265	20	14	trust	trust	VERB
fsr-3265	20	15	(	(	PUNCT
fsr-3265	20	16	nahapiet	nahapiet	PROPN
fsr-3265	20	17	&	&	CCONJ
fsr-3265	20	18	goshal	goshal	PROPN
fsr-3265	20	19	,	,	PUNCT
fsr-3265	20	20	1998	1998	NUM
fsr-3265	20	21	;	;	PUNCT
fsr-3265	20	22	yli	yli	NOUN
fsr-3265	20	23	-	-	NOUN
fsr-3265	20	24	renko	renko	NOUN
fsr-3265	20	25	,	,	PUNCT
fsr-3265	20	26	autio	autio	PROPN
fsr-3265	20	27	,	,	PUNCT
fsr-3265	20	28	&	&	CCONJ
fsr-3265	20	29	sapienza	sapienza	PROPN
fsr-3265	20	30	,	,	PUNCT
fsr-3265	20	31	2001	2001	NUM
fsr-3265	20	32	)	)	PUNCT
fsr-3265	20	33	and	and	CCONJ
fsr-3265	20	34	transferred	transfer	VERB
fsr-3265	20	35	through	through	ADP
fsr-3265	20	36	strong	strong	ADJ
fsr-3265	20	37	network	network	NOUN
fsr-3265	20	38	ties	tie	NOUN
fsr-3265	20	39	(	(	PUNCT
fsr-3265	20	40	chung	chung	PROPN
fsr-3265	20	41	&	&	CCONJ
fsr-3265	20	42	jackson	jackson	PROPN
fsr-3265	20	43	,	,	PUNCT
fsr-3265	20	44	2013	2013	NUM
fsr-3265	20	45	;	;	PUNCT
fsr-3265	20	46	hansen	hansen	PROPN
fsr-3265	20	47	,	,	PUNCT
fsr-3265	20	48	podolny	podolny	NOUN
fsr-3265	20	49	,	,	PUNCT
fsr-3265	20	50	&	&	CCONJ
fsr-3265	20	51	pfeffer	pfeffer	PROPN
fsr-3265	20	52	,	,	PUNCT
fsr-3265	20	53	2001	2001	NUM
fsr-3265	20	54	)	)	PUNCT
fsr-3265	20	55	,	,	PUNCT
fsr-3265	20	56	strong	strong	ADJ
fsr-3265	20	57	connections	connection	NOUN
fsr-3265	20	58	with	with	ADP
fsr-3265	20	59	people	people	NOUN
fsr-3265	20	60	who	who	PRON
fsr-3265	20	61	are	be	AUX
fsr-3265	20	62	financially	financially	ADV
fsr-3265	20	63	literate	literate	ADJ
fsr-3265	20	64	may	may	AUX
fsr-3265	20	65	facilitate	facilitate	VERB
fsr-3265	20	66	individuals	individual	NOUN
fsr-3265	20	67	to	to	PART
fsr-3265	20	68	obtain	obtain	VERB
fsr-3265	20	69	reliable	reliable	ADJ
fsr-3265	20	70	and	and	CCONJ
fsr-3265	20	71	opportune	opportune	ADJ
fsr-3265	20	72	information	information	NOUN
fsr-3265	20	73	for	for	ADP
fsr-3265	20	74	investments	investment	NOUN
fsr-3265	20	75	without	without	ADP
fsr-3265	20	76	excessive	excessive	ADJ
fsr-3265	20	77	time	time	NOUN
fsr-3265	20	78	and	and	CCONJ
fsr-3265	20	79	effort	effort	NOUN
fsr-3265	20	80	.	.	PUNCT
fsr-3265	21	1	drawing	draw	VERB
fsr-3265	21	2	on	on	ADP
fsr-3265	21	3	the	the	DET
fsr-3265	21	4	literature	literature	NOUN
fsr-3265	21	5	on	on	ADP
fsr-3265	21	6	financial	financial	ADJ
fsr-3265	21	7	literacy	literacy	NOUN
fsr-3265	21	8	and	and	CCONJ
fsr-3265	21	9	social	social	ADJ
fsr-3265	21	10	networks	network	NOUN
fsr-3265	21	11	,	,	PUNCT
fsr-3265	21	12	we	we	PRON
fsr-3265	21	13	propose	propose	VERB
fsr-3265	21	14	that	that	SCONJ
fsr-3265	21	15	an	an	DET
fsr-3265	21	16	individual	individual	ADJ
fsr-3265	21	17	investor	investor	NOUN
fsr-3265	21	18	’s	’s	PART
fsr-3265	21	19	decision	decision	NOUN
fsr-3265	21	20	-	-	PUNCT
fsr-3265	21	21	making	making	NOUN
fsr-3265	21	22	may	may	AUX
fsr-3265	21	23	be	be	AUX
fsr-3265	21	24	affected	affect	VERB
fsr-3265	21	25	by	by	ADP
fsr-3265	21	26	not	not	PART
fsr-3265	21	27	only	only	ADV
fsr-3265	21	28	his	his	PRON
fsr-3265	21	29	or	or	CCONJ
fsr-3265	21	30	her	her	PRON
fsr-3265	21	31	financial	financial	ADJ
fsr-3265	21	32	knowledge	knowledge	NOUN
fsr-3265	21	33	but	but	CCONJ
fsr-3265	21	34	also	also	ADV
fsr-3265	21	35	social	social	ADJ
fsr-3265	21	36	networks	network	NOUN
fsr-3265	21	37	.	.	PUNCT
fsr-3265	22	1	among	among	ADP
fsr-3265	22	2	various	various	ADJ
fsr-3265	22	3	types	type	NOUN
fsr-3265	22	4	of	of	ADP
fsr-3265	22	5	social	social	ADJ
fsr-3265	22	6	networks	network	NOUN
fsr-3265	22	7	(	(	PUNCT
fsr-3265	22	8	e.g.	e.g.	ADV
fsr-3265	22	9	,	,	PUNCT
fsr-3265	22	10	career	career	NOUN
fsr-3265	22	11	advice	advice	NOUN
fsr-3265	22	12	networks	network	NOUN
fsr-3265	22	13	and	and	CCONJ
fsr-3265	22	14	task	task	NOUN
fsr-3265	22	15	information	information	NOUN
fsr-3265	22	16	networks	network	NOUN
fsr-3265	22	17	)	)	PUNCT
fsr-3265	22	18	,	,	PUNCT
fsr-3265	22	19	we	we	PRON
fsr-3265	22	20	focus	focus	VERB
fsr-3265	22	21	on	on	ADP
fsr-3265	22	22	individuals	individual	NOUN
fsr-3265	22	23	’	'	PUNCT
fsr-3265	22	24	social	social	ADJ
fsr-3265	22	25	networks	network	NOUN
fsr-3265	22	26	for	for	ADP
fsr-3265	22	27	acquiring	acquire	VERB
fsr-3265	22	28	financial	financial	ADJ
fsr-3265	22	29	or	or	CCONJ
fsr-3265	22	30	investment	investment	NOUN
fsr-3265	22	31	information	information	NOUN
fsr-3265	22	32	,	,	PUNCT
fsr-3265	22	33	which	which	PRON
fsr-3265	22	34	are	be	AUX
fsr-3265	22	35	dubbed	dub	VERB
fsr-3265	22	36	“	"	PUNCT
fsr-3265	22	37	financial	financial	ADJ
fsr-3265	22	38	networks	network	NOUN
fsr-3265	22	39	.	.	PUNCT
fsr-3265	22	40	”	"	PUNCT
fsr-3265	23	1	while	while	SCONJ
fsr-3265	23	2	prior	prior	ADJ
fsr-3265	23	3	studies	study	NOUN
fsr-3265	23	4	focused	focus	VERB
fsr-3265	23	5	on	on	ADP
fsr-3265	23	6	social	social	ADJ
fsr-3265	23	7	activities	activity	NOUN
fsr-3265	23	8	,	,	PUNCT
fsr-3265	23	9	few	few	ADJ
fsr-3265	23	10	studies	study	NOUN
fsr-3265	23	11	examined	examine	VERB
fsr-3265	23	12	how	how	SCONJ
fsr-3265	23	13	social	social	ADJ
fsr-3265	23	14	networks	network	NOUN
fsr-3265	23	15	influence	influence	NOUN
fsr-3265	23	16	investment	investment	NOUN
fsr-3265	23	17	decisions.2	decisions.2	PROPN
fsr-3265	23	18	thus	thus	ADV
fsr-3265	23	19	,	,	PUNCT
fsr-3265	23	20	this	this	DET
fsr-3265	23	21	study	study	NOUN
fsr-3265	23	22	aims	aim	VERB
fsr-3265	23	23	to	to	PART
fsr-3265	23	24	fill	fill	VERB
fsr-3265	23	25	this	this	DET
fsr-3265	23	26	gap	gap	NOUN
fsr-3265	23	27	by	by	ADP
fsr-3265	23	28	taking	take	VERB
fsr-3265	23	29	account	account	NOUN
fsr-3265	23	30	of	of	ADP
fsr-3265	23	31	financial	financial	ADJ
fsr-3265	23	32	networks	network	NOUN
fsr-3265	23	33	in	in	ADP
fsr-3265	23	34	discussing	discuss	VERB
fsr-3265	23	35	individuals	individual	NOUN
fsr-3265	23	36	’	'	PUNCT
fsr-3265	23	37	investment	investment	NOUN
fsr-3265	23	38	decisions	decision	NOUN
fsr-3265	23	39	.	.	PUNCT
fsr-3265	24	1	among	among	ADP
fsr-3265	24	2	financial	financial	ADJ
fsr-3265	24	3	network	network	NOUN
fsr-3265	24	4	characteristics	characteristic	NOUN
fsr-3265	24	5	,	,	PUNCT
fsr-3265	24	6	we	we	PRON
fsr-3265	24	7	focus	focus	VERB
fsr-3265	24	8	on	on	ADP
fsr-3265	24	9	financial	financial	ADJ
fsr-3265	24	10	network	network	NOUN
fsr-3265	24	11	intensity	intensity	NOUN
fsr-3265	24	12	,	,	PUNCT
fsr-3265	24	13	defined	define	VERB
fsr-3265	24	14	as	as	ADP
fsr-3265	24	15	communication	communication	NOUN
fsr-3265	24	16	frequency	frequency	NOUN
fsr-3265	24	17	with	with	ADP
fsr-3265	24	18	the	the	DET
fsr-3265	24	19	financially	financially	ADV
fsr-3265	24	20	literate	literate	ADJ
fsr-3265	24	21	,	,	PUNCT
fsr-3265	24	22	because	because	SCONJ
fsr-3265	24	23	frequent	frequent	ADJ
fsr-3265	24	24	interactions	interaction	NOUN
fsr-3265	24	25	with	with	ADP
fsr-3265	24	26	the	the	DET
fsr-3265	24	27	financially	financially	ADV
fsr-3265	24	28	literate	literate	ADJ
fsr-3265	24	29	may	may	AUX
fsr-3265	24	30	enable	enable	VERB
fsr-3265	24	31	an	an	DET
fsr-3265	24	32	individual	individual	ADJ
fsr-3265	24	33	investor	investor	NOUN
fsr-3265	24	34	to	to	PART
fsr-3265	24	35	acquire	acquire	VERB
fsr-3265	24	36	critical	critical	ADJ
fsr-3265	24	37	and	and	CCONJ
fsr-3265	24	38	reliable	reliable	ADJ
fsr-3265	24	39	information	information	NOUN
fsr-3265	24	40	and	and	CCONJ
fsr-3265	24	41	knowledge	knowledge	NOUN
fsr-3265	24	42	for	for	ADP
fsr-3265	24	43	his	his	PRON
fsr-3265	24	44	or	or	CCONJ
fsr-3265	24	45	her	her	PRON
fsr-3265	24	46	investments	investment	NOUN
fsr-3265	24	47	.	.	PUNCT
fsr-3265	25	1	taken	take	VERB
fsr-3265	25	2	together	together	ADV
fsr-3265	25	3	,	,	PUNCT
fsr-3265	25	4	we	we	PRON
fsr-3265	25	5	examine	examine	VERB
fsr-3265	25	6	how	how	SCONJ
fsr-3265	25	7	financial	financial	ADJ
fsr-3265	25	8	knowledge	knowledge	NOUN
fsr-3265	25	9	and	and	CCONJ
fsr-3265	25	10	financial	financial	ADJ
fsr-3265	25	11	network	network	NOUN
fsr-3265	25	12	intensity	intensity	NOUN
fsr-3265	25	13	are	be	AUX
fsr-3265	25	14	associated	associate	VERB
fsr-3265	25	15	with	with	ADP
fsr-3265	25	16	individual	individual	ADJ
fsr-3265	25	17	investment	investment	NOUN
fsr-3265	25	18	decisions	decision	NOUN
fsr-3265	25	19	.	.	PUNCT
fsr-3265	26	1	among	among	ADP
fsr-3265	26	2	various	various	ADJ
fsr-3265	26	3	individual	individual	ADJ
fsr-3265	26	4	investment	investment	NOUN
fsr-3265	26	5	decisions	decision	NOUN
fsr-3265	26	6	,	,	PUNCT
fsr-3265	26	7	we	we	PRON
fsr-3265	26	8	consider	consider	VERB
fsr-3265	26	9	the	the	DET
fsr-3265	26	10	following	follow	VERB
fsr-3265	26	11	sequential	sequential	ADJ
fsr-3265	26	12	decision	decision	NOUN
fsr-3265	26	13	-	-	PUNCT
fsr-3265	26	14	making	make	VERB
fsr-3265	26	15	process	process	NOUN
fsr-3265	26	16	for	for	ADP
fsr-3265	26	17	retirement	retirement	NOUN
fsr-3265	26	18	investment	investment	NOUN
fsr-3265	26	19	:	:	PUNCT
fsr-3265	26	20	first	first	ADV
fsr-3265	26	21	,	,	PUNCT
fsr-3265	26	22	whether	whether	SCONJ
fsr-3265	26	23	an	an	DET
fsr-3265	26	24	individual	individual	ADJ
fsr-3265	26	25	investor	investor	NOUN
fsr-3265	26	26	chooses	choose	VERB
fsr-3265	26	27	a	a	DET
fsr-3265	26	28	default	default	NOUN
fsr-3265	26	29	investment	investment	NOUN
fsr-3265	26	30	option	option	NOUN
fsr-3265	26	31	or	or	CCONJ
fsr-3265	26	32	not	not	PART
fsr-3265	26	33	and	and	CCONJ
fsr-3265	26	34	,	,	PUNCT
fsr-3265	26	35	second	second	ADJ
fsr-3265	26	36	,	,	PUNCT
fsr-3265	26	37	when	when	SCONJ
fsr-3265	26	38	selecting	select	VERB
fsr-3265	26	39	“	"	PUNCT
fsr-3265	26	40	no	no	DET
fsr-3265	26	41	default	default	NOUN
fsr-3265	26	42	,	,	PUNCT
fsr-3265	26	43	”	"	PUNCT
fsr-3265	26	44	to	to	ADP
fsr-3265	26	45	what	what	DET
fsr-3265	26	46	extent	extent	NOUN
fsr-3265	26	47	he	he	PRON
fsr-3265	26	48	/	/	PUNCT
fsr-3265	26	49	she	she	PRON
fsr-3265	26	50	allocates	allocate	VERB
fsr-3265	26	51	contributions	contribution	NOUN
fsr-3265	26	52	to	to	ADP
fsr-3265	26	53	stocks	stock	NOUN
fsr-3265	26	54	.	.	PUNCT
fsr-3265	27	1	for	for	ADP
fsr-3265	27	2	this	this	DET
fsr-3265	27	3	examination	examination	NOUN
fsr-3265	27	4	,	,	PUNCT
fsr-3265	27	5	we	we	PRON
fsr-3265	27	6	collected	collect	VERB
fsr-3265	27	7	experimental	experimental	ADJ
fsr-3265	27	8	survey	survey	NOUN
fsr-3265	27	9	data	datum	NOUN
fsr-3265	27	10	from	from	ADP
fsr-3265	27	11	senior	senior	ADJ
fsr-3265	27	12	business	business	NOUN
fsr-3265	27	13	college	college	NOUN
fsr-3265	27	14	students	student	NOUN
fsr-3265	27	15	at	at	ADP
fsr-3265	27	16	age	age	NOUN
fsr-3265	27	17	20–26	20–26	NUM
fsr-3265	27	18	in	in	ADP
fsr-3265	27	19	2012	2012	NUM
fsr-3265	27	20	,	,	PUNCT
fsr-3265	27	21	who	who	PRON
fsr-3265	27	22	belong	belong	VERB
fsr-3265	27	23	to	to	ADP
fsr-3265	27	24	the	the	DET
fsr-3265	27	25	generation	generation	NOUN
fsr-3265	27	26	y	y	PROPN
fsr-3265	27	27	(	(	PUNCT
fsr-3265	27	28	ages	age	NOUN
fsr-3265	27	29	18–35	18–35	NUM
fsr-3265	27	30	in	in	ADP
fsr-3265	27	31	2012	2012	NUM
fsr-3265	27	32	)	)	PUNCT
fsr-3265	27	33	.	.	PUNCT
fsr-3265	28	1	most	most	ADJ
fsr-3265	28	2	of	of	ADP
fsr-3265	28	3	them	they	PRON
fsr-3265	28	4	will	will	AUX
fsr-3265	28	5	enter	enter	VERB
fsr-3265	28	6	an	an	DET
fsr-3265	28	7	early	early	ADJ
fsr-3265	28	8	stage	stage	NOUN
fsr-3265	28	9	of	of	ADP
fsr-3265	28	10	their	their	PRON
fsr-3265	28	11	working	work	VERB
fsr-3265	28	12	career	career	NOUN
fsr-3265	28	13	upon	upon	SCONJ
fsr-3265	28	14	graduation	graduation	NOUN
fsr-3265	28	15	and	and	CCONJ
fsr-3265	28	16	likely	likely	ADV
fsr-3265	28	17	become	become	VERB
fsr-3265	28	18	defined	define	VERB
fsr-3265	28	19	contribution	contribution	NOUN
fsr-3265	28	20	plan	plan	NOUN
fsr-3265	28	21	participants	participant	NOUN
fsr-3265	28	22	.	.	PUNCT
fsr-3265	29	1	we	we	PRON
fsr-3265	29	2	chose	choose	VERB
fsr-3265	29	3	this	this	DET
fsr-3265	29	4	sample	sample	NOUN
fsr-3265	29	5	because	because	SCONJ
fsr-3265	29	6	retirement	retirement	NOUN
fsr-3265	29	7	investment	investment	NOUN
fsr-3265	29	8	decisions	decision	NOUN
fsr-3265	29	9	in	in	ADP
fsr-3265	29	10	their	their	PRON
fsr-3265	29	11	early	early	ADJ
fsr-3265	29	12	career	career	NOUN
fsr-3265	29	13	may	may	AUX
fsr-3265	29	14	significantly	significantly	ADV
fsr-3265	29	15	affect	affect	VERB
fsr-3265	29	16	their	their	PRON
fsr-3265	29	17	retirement	retirement	NOUN
fsr-3265	29	18	78	78	NUM
fsr-3265	29	19	y.	y.	PROPN
fsr-3265	29	20	chung	chung	PROPN
fsr-3265	29	21	,	,	PUNCT
fsr-3265	29	22	y.	y.	PROPN
fsr-3265	29	23	park	park	PROPN
fsr-3265	29	24	/	/	SYM
fsr-3265	29	25	financial	financial	ADJ
fsr-3265	29	26	services	service	NOUN
fsr-3265	29	27	review	review	VERB
fsr-3265	29	28	24	24	NUM
fsr-3265	29	29	(	(	PUNCT
fsr-3265	29	30	2015	2015	NUM
fsr-3265	29	31	)	)	PUNCT
fsr-3265	29	32	77–99	77–99	NUM
fsr-3265	29	33	wealth	wealth	NOUN
fsr-3265	29	34	.	.	PUNCT
fsr-3265	30	1	once	once	SCONJ
fsr-3265	30	2	new	new	ADJ
fsr-3265	30	3	employees	employee	NOUN
fsr-3265	30	4	make	make	VERB
fsr-3265	30	5	a	a	DET
fsr-3265	30	6	retirement	retirement	NOUN
fsr-3265	30	7	investment	investment	NOUN
fsr-3265	30	8	decision	decision	NOUN
fsr-3265	30	9	,	,	PUNCT
fsr-3265	30	10	they	they	PRON
fsr-3265	30	11	tend	tend	VERB
fsr-3265	30	12	to	to	PART
fsr-3265	30	13	stick	stick	VERB
fsr-3265	30	14	with	with	ADP
fsr-3265	30	15	the	the	DET
fsr-3265	30	16	status	status	NOUN
fsr-3265	30	17	quo	quo	NOUN
fsr-3265	30	18	and	and	CCONJ
fsr-3265	30	19	avoid	avoid	VERB
fsr-3265	30	20	changing	change	VERB
fsr-3265	30	21	their	their	PRON
fsr-3265	30	22	retirement	retirement	NOUN
fsr-3265	30	23	investment	investment	NOUN
fsr-3265	30	24	portfolio	portfolio	NOUN
fsr-3265	30	25	(	(	PUNCT
fsr-3265	30	26	choi	choi	NOUN
fsr-3265	30	27	,	,	PUNCT
fsr-3265	30	28	labibson	labibson	NOUN
fsr-3265	30	29	,	,	PUNCT
fsr-3265	30	30	madrian	madrian	NOUN
fsr-3265	30	31	,	,	PUNCT
fsr-3265	30	32	&	&	CCONJ
fsr-3265	30	33	metrick	metrick	ADJ
fsr-3265	30	34	,	,	PUNCT
fsr-3265	30	35	2004	2004	NUM
fsr-3265	30	36	,	,	PUNCT
fsr-3265	30	37	2006	2006	NUM
fsr-3265	30	38	;	;	PUNCT
fsr-3265	30	39	madrian	madrian	PROPN
fsr-3265	30	40	&	&	CCONJ
fsr-3265	30	41	shea	shea	PROPN
fsr-3265	30	42	,	,	PUNCT
fsr-3265	30	43	2001	2001	NUM
fsr-3265	30	44	)	)	PUNCT
fsr-3265	30	45	.	.	PUNCT
fsr-3265	31	1	in	in	ADP
fsr-3265	31	2	addition	addition	NOUN
fsr-3265	31	3	,	,	PUNCT
fsr-3265	31	4	given	give	VERB
fsr-3265	31	5	that	that	SCONJ
fsr-3265	31	6	the	the	DET
fsr-3265	31	7	social	social	ADJ
fsr-3265	31	8	security	security	NOUN
fsr-3265	31	9	trust	trust	NOUN
fsr-3265	31	10	fund	fund	NOUN
fsr-3265	31	11	is	be	AUX
fsr-3265	31	12	projected	project	VERB
fsr-3265	31	13	to	to	PART
fsr-3265	31	14	be	be	AUX
fsr-3265	31	15	exhausted	exhaust	VERB
fsr-3265	31	16	in	in	ADP
fsr-3265	31	17	2034	2034	NUM
fsr-3265	31	18	and	and	CCONJ
fsr-3265	31	19	at	at	ADP
fsr-3265	31	20	that	that	DET
fsr-3265	31	21	time	time	NOUN
fsr-3265	31	22	that	that	PRON
fsr-3265	31	23	social	social	ADJ
fsr-3265	31	24	security	security	NOUN
fsr-3265	31	25	will	will	AUX
fsr-3265	31	26	be	be	AUX
fsr-3265	31	27	able	able	ADJ
fsr-3265	31	28	to	to	PART
fsr-3265	31	29	cover	cover	VERB
fsr-3265	31	30	only	only	ADV
fsr-3265	31	31	75	75	NUM
fsr-3265	31	32	%	%	NOUN
fsr-3265	31	33	of	of	ADP
fsr-3265	31	34	scheduled	schedule	VERB
fsr-3265	31	35	benefits	benefit	NOUN
fsr-3265	31	36	(	(	PUNCT
fsr-3265	31	37	social	social	ADJ
fsr-3265	31	38	security	security	NOUN
fsr-3265	31	39	and	and	CCONJ
fsr-3265	31	40	medicare	medicare	PROPN
fsr-3265	31	41	boards	board	NOUN
fsr-3265	31	42	of	of	ADP
fsr-3265	31	43	trustees	trustee	NOUN
fsr-3265	31	44	,	,	PUNCT
fsr-3265	31	45	2014	2014	NUM
fsr-3265	31	46	)	)	PUNCT
fsr-3265	31	47	,	,	PUNCT
fsr-3265	31	48	how	how	SCONJ
fsr-3265	31	49	to	to	PART
fsr-3265	31	50	construct	construct	VERB
fsr-3265	31	51	a	a	DET
fsr-3265	31	52	retirement	retirement	NOUN
fsr-3265	31	53	portfolio	portfolio	NOUN
fsr-3265	31	54	would	would	AUX
fsr-3265	31	55	be	be	AUX
fsr-3265	31	56	more	more	ADV
fsr-3265	31	57	important	important	ADJ
fsr-3265	31	58	to	to	PART
fsr-3265	31	59	generation	generation	VERB
fsr-3265	31	60	yers	yer	NOUN
fsr-3265	31	61	than	than	ADP
fsr-3265	31	62	older	old	ADJ
fsr-3265	31	63	generations	generation	NOUN
fsr-3265	31	64	.	.	PUNCT
fsr-3265	32	1	with	with	ADP
fsr-3265	32	2	a	a	DET
fsr-3265	32	3	sample	sample	NOUN
fsr-3265	32	4	(	(	PUNCT
fsr-3265	32	5	n	n	X
fsr-3265	32	6	�	�	PROPN
fsr-3265	32	7	97	97	NUM
fsr-3265	32	8	)	)	PUNCT
fsr-3265	32	9	of	of	ADP
fsr-3265	32	10	senior	senior	ADJ
fsr-3265	32	11	students	student	NOUN
fsr-3265	32	12	in	in	ADP
fsr-3265	32	13	a	a	DET
fsr-3265	32	14	business	business	NOUN
fsr-3265	32	15	college	college	NOUN
fsr-3265	32	16	,	,	PUNCT
fsr-3265	32	17	first	first	ADV
fsr-3265	32	18	,	,	PUNCT
fsr-3265	32	19	a	a	DET
fsr-3265	32	20	choice	choice	NOUN
fsr-3265	32	21	of	of	ADP
fsr-3265	32	22	no	no	DET
fsr-3265	32	23	default	default	NOUN
fsr-3265	32	24	in	in	ADP
fsr-3265	32	25	a	a	DET
fsr-3265	32	26	retirement	retirement	NOUN
fsr-3265	32	27	plan	plan	NOUN
fsr-3265	32	28	is	be	AUX
fsr-3265	32	29	positively	positively	ADV
fsr-3265	32	30	associated	associate	VERB
fsr-3265	32	31	with	with	ADP
fsr-3265	32	32	financial	financial	ADJ
fsr-3265	32	33	literacy	literacy	NOUN
fsr-3265	32	34	(	(	PUNCT
fsr-3265	32	35	or	or	CCONJ
fsr-3265	32	36	financial	financial	ADJ
fsr-3265	32	37	knowledge	knowledge	NOUN
fsr-3265	32	38	)	)	PUNCT
fsr-3265	32	39	,	,	PUNCT
fsr-3265	32	40	but	but	CCONJ
fsr-3265	32	41	not	not	PART
fsr-3265	32	42	significantly	significantly	ADV
fsr-3265	32	43	associated	associate	VERB
fsr-3265	32	44	with	with	ADP
fsr-3265	32	45	financial	financial	ADJ
fsr-3265	32	46	network	network	NOUN
fsr-3265	32	47	intensity	intensity	NOUN
fsr-3265	32	48	(	(	PUNCT
fsr-3265	32	49	or	or	CCONJ
fsr-3265	32	50	the	the	DET
fsr-3265	32	51	network	network	NOUN
fsr-3265	32	52	strength	strength	NOUN
fsr-3265	32	53	with	with	ADP
fsr-3265	32	54	the	the	DET
fsr-3265	32	55	financially	financially	ADV
fsr-3265	32	56	literate).3	literate).3	ADJ
fsr-3265	32	57	second	second	ADJ
fsr-3265	32	58	,	,	PUNCT
fsr-3265	32	59	respondents	respondent	NOUN
fsr-3265	32	60	’	'	PUNCT
fsr-3265	32	61	contribution	contribution	NOUN
fsr-3265	32	62	allocation	allocation	NOUN
fsr-3265	32	63	to	to	ADP
fsr-3265	32	64	stock	stock	NOUN
fsr-3265	32	65	funds	fund	NOUN
fsr-3265	32	66	is	be	AUX
fsr-3265	32	67	positively	positively	ADV
fsr-3265	32	68	associated	associate	VERB
fsr-3265	32	69	with	with	ADP
fsr-3265	32	70	financial	financial	ADJ
fsr-3265	32	71	literacy	literacy	NOUN
fsr-3265	32	72	or	or	CCONJ
fsr-3265	32	73	financial	financial	ADJ
fsr-3265	32	74	network	network	NOUN
fsr-3265	32	75	intensity	intensity	NOUN
fsr-3265	32	76	.	.	PUNCT
fsr-3265	33	1	third	third	ADJ
fsr-3265	33	2	,	,	PUNCT
fsr-3265	33	3	financial	financial	ADJ
fsr-3265	33	4	literacy	literacy	NOUN
fsr-3265	33	5	does	do	AUX
fsr-3265	33	6	not	not	PART
fsr-3265	33	7	interact	interact	VERB
fsr-3265	33	8	with	with	ADP
fsr-3265	33	9	financial	financial	ADJ
fsr-3265	33	10	network	network	NOUN
fsr-3265	33	11	intensity	intensity	NOUN
fsr-3265	33	12	on	on	ADP
fsr-3265	33	13	a	a	DET
fsr-3265	33	14	choice	choice	NOUN
fsr-3265	33	15	of	of	ADP
fsr-3265	33	16	a	a	DET
fsr-3265	33	17	default	default	NOUN
fsr-3265	33	18	option	option	NOUN
fsr-3265	33	19	,	,	PUNCT
fsr-3265	33	20	but	but	CCONJ
fsr-3265	33	21	they	they	PRON
fsr-3265	33	22	interact	interact	VERB
fsr-3265	33	23	with	with	ADP
fsr-3265	33	24	each	each	DET
fsr-3265	33	25	other	other	ADJ
fsr-3265	33	26	on	on	ADP
fsr-3265	33	27	respondents	respondent	NOUN
fsr-3265	33	28	’	'	PUNCT
fsr-3265	33	29	contribution	contribution	NOUN
fsr-3265	33	30	allocation	allocation	NOUN
fsr-3265	33	31	to	to	ADP
fsr-3265	33	32	stock	stock	NOUN
fsr-3265	33	33	funds	fund	NOUN
fsr-3265	33	34	in	in	ADP
fsr-3265	33	35	a	a	DET
fsr-3265	33	36	retirement	retirement	NOUN
fsr-3265	33	37	portfolio	portfolio	NOUN
fsr-3265	33	38	.	.	PUNCT
fsr-3265	34	1	in	in	ADP
fsr-3265	34	2	an	an	DET
fsr-3265	34	3	additional	additional	ADJ
fsr-3265	34	4	analysis	analysis	NOUN
fsr-3265	34	5	on	on	ADP
fsr-3265	34	6	the	the	DET
fsr-3265	34	7	interaction	interaction	NOUN
fsr-3265	34	8	effect	effect	NOUN
fsr-3265	34	9	,	,	PUNCT
fsr-3265	34	10	the	the	DET
fsr-3265	34	11	positive	positive	ADJ
fsr-3265	34	12	effects	effect	NOUN
fsr-3265	34	13	of	of	ADP
fsr-3265	34	14	financial	financial	ADJ
fsr-3265	34	15	literacy	literacy	NOUN
fsr-3265	34	16	on	on	ADP
fsr-3265	34	17	stock	stock	NOUN
fsr-3265	34	18	allocation	allocation	NOUN
fsr-3265	34	19	in	in	ADP
fsr-3265	34	20	a	a	DET
fsr-3265	34	21	retirement	retirement	NOUN
fsr-3265	34	22	portfolio	portfolio	NOUN
fsr-3265	34	23	are	be	AUX
fsr-3265	34	24	significant	significant	ADJ
fsr-3265	34	25	only	only	ADV
fsr-3265	34	26	among	among	ADP
fsr-3265	34	27	those	those	PRON
fsr-3265	34	28	who	who	PRON
fsr-3265	34	29	have	have	VERB
fsr-3265	34	30	high	high	ADJ
fsr-3265	34	31	financial	financial	ADJ
fsr-3265	34	32	network	network	NOUN
fsr-3265	34	33	intensity.4	intensity.4	ADP
fsr-3265	34	34	the	the	DET
fsr-3265	34	35	interaction	interaction	NOUN
fsr-3265	34	36	between	between	ADP
fsr-3265	34	37	financial	financial	ADJ
fsr-3265	34	38	literacy	literacy	NOUN
fsr-3265	34	39	and	and	CCONJ
fsr-3265	34	40	financial	financial	ADJ
fsr-3265	34	41	network	network	NOUN
fsr-3265	34	42	intensity	intensity	NOUN
fsr-3265	34	43	also	also	ADV
fsr-3265	34	44	affects	affect	VERB
fsr-3265	34	45	how	how	SCONJ
fsr-3265	34	46	much	much	ADJ
fsr-3265	34	47	respondents	respondent	NOUN
fsr-3265	34	48	’	'	PUNCT
fsr-3265	34	49	retirement	retirement	NOUN
fsr-3265	34	50	portfolios	portfolio	NOUN
fsr-3265	34	51	deviate	deviate	VERB
fsr-3265	34	52	from	from	ADP
fsr-3265	34	53	age	age	NOUN
fsr-3265	34	54	-	-	PUNCT
fsr-3265	34	55	appropriate	appropriate	ADJ
fsr-3265	34	56	stock	stock	NOUN
fsr-3265	34	57	allocations	allocation	NOUN
fsr-3265	34	58	,	,	PUNCT
fsr-3265	34	59	the	the	DET
fsr-3265	34	60	deviation	deviation	NOUN
fsr-3265	34	61	that	that	PRON
fsr-3265	34	62	is	be	AUX
fsr-3265	34	63	evaluated	evaluate	VERB
fsr-3265	34	64	with	with	ADP
fsr-3265	34	65	respect	respect	NOUN
fsr-3265	34	66	to	to	ADP
fsr-3265	34	67	the	the	DET
fsr-3265	34	68	morningstar	morningstar	PROPN
fsr-3265	34	69	lifetime	lifetime	NOUN
fsr-3265	34	70	allocation	allocation	NOUN
fsr-3265	34	71	indexes	index	NOUN
fsr-3265	34	72	.	.	PUNCT
fsr-3265	35	1	we	we	PRON
fsr-3265	35	2	find	find	VERB
fsr-3265	35	3	that	that	SCONJ
fsr-3265	35	4	those	those	PRON
fsr-3265	35	5	with	with	ADP
fsr-3265	35	6	a	a	DET
fsr-3265	35	7	high	high	ADJ
fsr-3265	35	8	level	level	NOUN
fsr-3265	35	9	of	of	ADP
fsr-3265	35	10	financial	financial	ADJ
fsr-3265	35	11	literacy	literacy	NOUN
fsr-3265	35	12	have	have	VERB
fsr-3265	35	13	smaller	small	ADJ
fsr-3265	35	14	deviations	deviation	NOUN
fsr-3265	35	15	from	from	ADP
fsr-3265	35	16	the	the	DET
fsr-3265	35	17	age	age	NOUN
fsr-3265	35	18	-	-	PUNCT
fsr-3265	35	19	appropriate	appropriate	ADJ
fsr-3265	35	20	stock	stock	NOUN
fsr-3265	35	21	allocations	allocation	NOUN
fsr-3265	35	22	only	only	ADV
fsr-3265	35	23	when	when	SCONJ
fsr-3265	35	24	they	they	PRON
fsr-3265	35	25	have	have	VERB
fsr-3265	35	26	strong	strong	ADJ
fsr-3265	35	27	networks	network	NOUN
fsr-3265	35	28	with	with	ADP
fsr-3265	35	29	the	the	DET
fsr-3265	35	30	financially	financially	ADV
fsr-3265	35	31	literate	literate	ADJ
fsr-3265	35	32	.	.	PUNCT
fsr-3265	36	1	this	this	DET
fsr-3265	36	2	study	study	NOUN
fsr-3265	36	3	enhances	enhance	VERB
fsr-3265	36	4	an	an	DET
fsr-3265	36	5	understanding	understanding	NOUN
fsr-3265	36	6	of	of	ADP
fsr-3265	36	7	retirement	retirement	NOUN
fsr-3265	36	8	investment	investment	NOUN
fsr-3265	36	9	decision	decision	NOUN
fsr-3265	36	10	-	-	PUNCT
fsr-3265	36	11	making	make	VERB
fsr-3265	36	12	and	and	CCONJ
fsr-3265	36	13	long	long	ADJ
fsr-3265	36	14	-	-	PUNCT
fsr-3265	36	15	term	term	NOUN
fsr-3265	36	16	financial	financial	ADJ
fsr-3265	36	17	planning	planning	NOUN
fsr-3265	36	18	.	.	PUNCT
fsr-3265	37	1	while	while	SCONJ
fsr-3265	37	2	extant	extant	ADJ
fsr-3265	37	3	research	research	NOUN
fsr-3265	37	4	finds	find	VERB
fsr-3265	37	5	financial	financial	ADJ
fsr-3265	37	6	literacy	literacy	NOUN
fsr-3265	37	7	as	as	ADP
fsr-3265	37	8	a	a	DET
fsr-3265	37	9	key	key	ADJ
fsr-3265	37	10	determinant	determinant	ADJ
fsr-3265	37	11	in	in	ADP
fsr-3265	37	12	retirement	retirement	NOUN
fsr-3265	37	13	investment	investment	NOUN
fsr-3265	37	14	decision	decision	NOUN
fsr-3265	37	15	-	-	PUNCT
fsr-3265	37	16	making	make	VERB
fsr-3265	37	17	and	and	CCONJ
fsr-3265	37	18	long	long	ADJ
fsr-3265	37	19	-	-	PUNCT
fsr-3265	37	20	term	term	NOUN
fsr-3265	37	21	financial	financial	ADJ
fsr-3265	37	22	planning	planning	NOUN
fsr-3265	37	23	(	(	PUNCT
fsr-3265	37	24	e.g.	e.g.	ADV
fsr-3265	37	25	,	,	PUNCT
fsr-3265	37	26	alhenawi	alhenawi	NOUN
fsr-3265	37	27	&	&	CCONJ
fsr-3265	37	28	elkhal	elkhal	PROPN
fsr-3265	37	29	,	,	PUNCT
fsr-3265	37	30	2013	2013	NUM
fsr-3265	37	31	;	;	PUNCT
fsr-3265	37	32	lusardi	lusardi	PROPN
fsr-3265	37	33	&	&	CCONJ
fsr-3265	37	34	mitchell	mitchell	PROPN
fsr-3265	37	35	,	,	PUNCT
fsr-3265	37	36	2007a	2007a	NUM
fsr-3265	37	37	,	,	PUNCT
fsr-3265	37	38	2007b	2007b	NUM
fsr-3265	37	39	)	)	PUNCT
fsr-3265	37	40	,	,	PUNCT
fsr-3265	37	41	our	our	PRON
fsr-3265	37	42	research	research	NOUN
fsr-3265	37	43	finds	find	VERB
fsr-3265	37	44	that	that	SCONJ
fsr-3265	37	45	financial	financial	ADJ
fsr-3265	37	46	literacy	literacy	NOUN
fsr-3265	37	47	and	and	CCONJ
fsr-3265	37	48	social	social	ADJ
fsr-3265	37	49	networks	network	NOUN
fsr-3265	37	50	interplay	interplay	NOUN
fsr-3265	37	51	in	in	ADP
fsr-3265	37	52	retirement	retirement	NOUN
fsr-3265	37	53	investment	investment	NOUN
fsr-3265	37	54	decision	decision	NOUN
fsr-3265	37	55	-	-	PUNCT
fsr-3265	37	56	making	making	NOUN
fsr-3265	37	57	.	.	PUNCT
fsr-3265	38	1	specifically	specifically	ADV
fsr-3265	38	2	,	,	PUNCT
fsr-3265	38	3	the	the	DET
fsr-3265	38	4	positive	positive	ADJ
fsr-3265	38	5	effects	effect	NOUN
fsr-3265	38	6	of	of	ADP
fsr-3265	38	7	financial	financial	ADJ
fsr-3265	38	8	literacy	literacy	NOUN
fsr-3265	38	9	on	on	ADP
fsr-3265	38	10	retirement	retirement	NOUN
fsr-3265	38	11	investment	investment	NOUN
fsr-3265	38	12	decisions	decision	NOUN
fsr-3265	38	13	documented	document	VERB
fsr-3265	38	14	in	in	ADP
fsr-3265	38	15	the	the	DET
fsr-3265	38	16	literature	literature	NOUN
fsr-3265	38	17	can	can	AUX
fsr-3265	38	18	be	be	AUX
fsr-3265	38	19	limited	limit	VERB
fsr-3265	38	20	to	to	ADP
fsr-3265	38	21	only	only	ADV
fsr-3265	38	22	those	those	PRON
fsr-3265	38	23	who	who	PRON
fsr-3265	38	24	have	have	VERB
fsr-3265	38	25	strong	strong	ADJ
fsr-3265	38	26	networks	network	NOUN
fsr-3265	38	27	with	with	ADP
fsr-3265	38	28	financially	financially	ADV
fsr-3265	38	29	literate	literate	ADJ
fsr-3265	38	30	people	people	NOUN
fsr-3265	38	31	.	.	PUNCT
fsr-3265	39	1	the	the	DET
fsr-3265	39	2	results	result	NOUN
fsr-3265	39	3	of	of	ADP
fsr-3265	39	4	this	this	DET
fsr-3265	39	5	study	study	NOUN
fsr-3265	39	6	may	may	AUX
fsr-3265	39	7	also	also	ADV
fsr-3265	39	8	provide	provide	VERB
fsr-3265	39	9	practical	practical	ADJ
fsr-3265	39	10	implications	implication	NOUN
fsr-3265	39	11	to	to	ADP
fsr-3265	39	12	individual	individual	ADJ
fsr-3265	39	13	investors	investor	NOUN
fsr-3265	39	14	,	,	PUNCT
fsr-3265	39	15	financial	financial	ADJ
fsr-3265	39	16	planners	planner	NOUN
fsr-3265	39	17	,	,	PUNCT
fsr-3265	39	18	and	and	CCONJ
fsr-3265	39	19	employer	employer	NOUN
fsr-3265	39	20	-	-	PUNCT
fsr-3265	39	21	sponsored	sponsor	VERB
fsr-3265	39	22	financial	financial	ADJ
fsr-3265	39	23	education	education	NOUN
fsr-3265	39	24	programs	program	NOUN
fsr-3265	39	25	.	.	PUNCT
fsr-3265	40	1	to	to	PART
fsr-3265	40	2	improve	improve	VERB
fsr-3265	40	3	investment	investment	NOUN
fsr-3265	40	4	decisions	decision	NOUN
fsr-3265	40	5	,	,	PUNCT
fsr-3265	40	6	individual	individual	ADJ
fsr-3265	40	7	investors	investor	NOUN
fsr-3265	40	8	’	'	PUNCT
fsr-3265	40	9	own	own	ADJ
fsr-3265	40	10	financial	financial	ADJ
fsr-3265	40	11	knowledge	knowledge	NOUN
fsr-3265	40	12	alone	alone	ADV
fsr-3265	40	13	may	may	AUX
fsr-3265	40	14	not	not	PART
fsr-3265	40	15	be	be	AUX
fsr-3265	40	16	enough	enough	ADJ
fsr-3265	40	17	;	;	PUNCT
fsr-3265	40	18	when	when	SCONJ
fsr-3265	40	19	they	they	PRON
fsr-3265	40	20	synthesize	synthesize	VERB
fsr-3265	40	21	their	their	PRON
fsr-3265	40	22	own	own	ADJ
fsr-3265	40	23	financial	financial	ADJ
fsr-3265	40	24	knowledge	knowledge	NOUN
fsr-3265	40	25	and	and	CCONJ
fsr-3265	40	26	the	the	DET
fsr-3265	40	27	knowledge	knowledge	NOUN
fsr-3265	40	28	acquired	acquire	VERB
fsr-3265	40	29	through	through	ADP
fsr-3265	40	30	interactions	interaction	NOUN
fsr-3265	40	31	with	with	ADP
fsr-3265	40	32	the	the	DET
fsr-3265	40	33	financially	financially	ADV
fsr-3265	40	34	literate	literate	ADJ
fsr-3265	40	35	,	,	PUNCT
fsr-3265	40	36	their	their	PRON
fsr-3265	40	37	investment	investment	NOUN
fsr-3265	40	38	decisions	decision	NOUN
fsr-3265	40	39	can	can	AUX
fsr-3265	40	40	be	be	AUX
fsr-3265	40	41	significantly	significantly	ADV
fsr-3265	40	42	enhanced	enhance	VERB
fsr-3265	40	43	.	.	PUNCT
fsr-3265	41	1	therefore	therefore	ADV
fsr-3265	41	2	,	,	PUNCT
fsr-3265	41	3	our	our	PRON
fsr-3265	41	4	findings	finding	NOUN
fsr-3265	41	5	shed	shed	VERB
fsr-3265	41	6	light	light	NOUN
fsr-3265	41	7	on	on	ADP
fsr-3265	41	8	the	the	DET
fsr-3265	41	9	importance	importance	NOUN
fsr-3265	41	10	of	of	ADP
fsr-3265	41	11	financial	financial	ADJ
fsr-3265	41	12	networks	network	NOUN
fsr-3265	41	13	with	with	ADP
fsr-3265	41	14	family	family	NOUN
fsr-3265	41	15	,	,	PUNCT
fsr-3265	41	16	co	co	NOUN
fsr-3265	41	17	-	-	NOUN
fsr-3265	41	18	workers	worker	NOUN
fsr-3265	41	19	,	,	PUNCT
fsr-3265	41	20	and	and	CCONJ
fsr-3265	41	21	professional	professional	ADJ
fsr-3265	41	22	financial	financial	ADJ
fsr-3265	41	23	planners	planner	NOUN
fsr-3265	41	24	when	when	SCONJ
fsr-3265	41	25	individual	individual	ADJ
fsr-3265	41	26	investors	investor	NOUN
fsr-3265	41	27	make	make	VERB
fsr-3265	41	28	investment	investment	NOUN
fsr-3265	41	29	decisions	decision	NOUN
fsr-3265	41	30	.	.	PUNCT
fsr-3265	42	1	finally	finally	ADV
fsr-3265	42	2	,	,	PUNCT
fsr-3265	42	3	employer	employer	NOUN
fsr-3265	42	4	-	-	PUNCT
fsr-3265	42	5	sponsored	sponsor	VERB
fsr-3265	42	6	financial	financial	ADJ
fsr-3265	42	7	education	education	NOUN
fsr-3265	42	8	programs	program	NOUN
fsr-3265	42	9	may	may	AUX
fsr-3265	42	10	be	be	AUX
fsr-3265	42	11	designed	design	VERB
fsr-3265	42	12	not	not	PART
fsr-3265	42	13	only	only	ADV
fsr-3265	42	14	to	to	PART
fsr-3265	42	15	elevate	elevate	VERB
fsr-3265	42	16	employees	employee	NOUN
fsr-3265	42	17	’	’	PART
fsr-3265	42	18	financial	financial	ADJ
fsr-3265	42	19	knowledge	knowledge	NOUN
fsr-3265	42	20	but	but	CCONJ
fsr-3265	42	21	also	also	ADV
fsr-3265	42	22	to	to	PART
fsr-3265	42	23	provide	provide	VERB
fsr-3265	42	24	more	more	ADJ
fsr-3265	42	25	opportunities	opportunity	NOUN
fsr-3265	42	26	to	to	PART
fsr-3265	42	27	build	build	VERB
fsr-3265	42	28	networks	network	NOUN
fsr-3265	42	29	for	for	ADP
fsr-3265	42	30	financial	financial	ADJ
fsr-3265	42	31	advice	advice	NOUN
fsr-3265	42	32	(	(	PUNCT
fsr-3265	42	33	such	such	ADJ
fsr-3265	42	34	as	as	ADP
fsr-3265	42	35	more	more	ADJ
fsr-3265	42	36	opportunities	opportunity	NOUN
fsr-3265	42	37	to	to	PART
fsr-3265	42	38	communicate	communicate	VERB
fsr-3265	42	39	with	with	ADP
fsr-3265	42	40	financial	financial	ADJ
fsr-3265	42	41	planners	planner	NOUN
fsr-3265	42	42	or	or	CCONJ
fsr-3265	42	43	advisors	advisor	NOUN
fsr-3265	42	44	)	)	PUNCT
fsr-3265	42	45	.	.	PUNCT
fsr-3265	43	1	the	the	DET
fsr-3265	43	2	remainder	remainder	NOUN
fsr-3265	43	3	of	of	ADP
fsr-3265	43	4	the	the	DET
fsr-3265	43	5	article	article	NOUN
fsr-3265	43	6	is	be	AUX
fsr-3265	43	7	organized	organize	VERB
fsr-3265	43	8	as	as	SCONJ
fsr-3265	43	9	follows	follow	VERB
fsr-3265	43	10	.	.	PUNCT
fsr-3265	44	1	section	section	NOUN
fsr-3265	44	2	2	2	NUM
fsr-3265	44	3	provides	provide	VERB
fsr-3265	44	4	a	a	DET
fsr-3265	44	5	literature	literature	NOUN
fsr-3265	44	6	review	review	NOUN
fsr-3265	44	7	on	on	ADP
fsr-3265	44	8	financial	financial	ADJ
fsr-3265	44	9	literacy	literacy	NOUN
fsr-3265	44	10	,	,	PUNCT
fsr-3265	44	11	financial	financial	ADJ
fsr-3265	44	12	network	network	NOUN
fsr-3265	44	13	intensity	intensity	NOUN
fsr-3265	44	14	,	,	PUNCT
fsr-3265	44	15	and	and	CCONJ
fsr-3265	44	16	retirement	retirement	NOUN
fsr-3265	44	17	investment	investment	NOUN
fsr-3265	44	18	decisions	decision	NOUN
fsr-3265	44	19	and	and	CCONJ
fsr-3265	44	20	addresses	address	NOUN
fsr-3265	44	21	hypotheses	hypothesis	NOUN
fsr-3265	44	22	.	.	PUNCT
fsr-3265	45	1	section	section	NOUN
fsr-3265	45	2	3	3	NUM
fsr-3265	45	3	describes	describe	VERB
fsr-3265	45	4	the	the	DET
fsr-3265	45	5	sample	sample	NOUN
fsr-3265	45	6	,	,	PUNCT
fsr-3265	45	7	survey	survey	NOUN
fsr-3265	45	8	instruments	instrument	NOUN
fsr-3265	45	9	,	,	PUNCT
fsr-3265	45	10	and	and	CCONJ
fsr-3265	45	11	model	model	NOUN
fsr-3265	45	12	79y	79y	PROPN
fsr-3265	45	13	.	.	PUNCT
fsr-3265	46	1	chung	chung	PROPN
fsr-3265	46	2	,	,	PUNCT
fsr-3265	46	3	y.	y.	PROPN
fsr-3265	46	4	park	park	PROPN
fsr-3265	46	5	/	/	SYM
fsr-3265	46	6	financial	financial	ADJ
fsr-3265	46	7	services	service	NOUN
fsr-3265	46	8	review	review	VERB
fsr-3265	46	9	24	24	NUM
fsr-3265	46	10	(	(	PUNCT
fsr-3265	46	11	2015	2015	NUM
fsr-3265	46	12	)	)	PUNCT
fsr-3265	47	1	77–99	77–99	NUM
fsr-3265	47	2	specification	specification	NOUN
fsr-3265	47	3	to	to	PART
fsr-3265	47	4	test	test	VERB
fsr-3265	47	5	the	the	DET
fsr-3265	47	6	hypotheses	hypothesis	NOUN
fsr-3265	47	7	.	.	PUNCT
fsr-3265	48	1	section	section	NOUN
fsr-3265	48	2	4	4	NUM
fsr-3265	48	3	presents	present	VERB
fsr-3265	48	4	regression	regression	NOUN
fsr-3265	48	5	results	result	NOUN
fsr-3265	48	6	indicating	indicate	VERB
fsr-3265	48	7	that	that	SCONJ
fsr-3265	48	8	financial	financial	ADJ
fsr-3265	48	9	literacy	literacy	NOUN
fsr-3265	48	10	and/or	and/or	CCONJ
fsr-3265	48	11	financial	financial	ADJ
fsr-3265	48	12	network	network	NOUN
fsr-3265	48	13	intensity	intensity	NOUN
fsr-3265	48	14	can	can	AUX
fsr-3265	48	15	affect	affect	VERB
fsr-3265	48	16	retirement	retirement	NOUN
fsr-3265	48	17	investment	investment	NOUN
fsr-3265	48	18	decisions	decision	NOUN
fsr-3265	48	19	.	.	PUNCT
fsr-3265	49	1	section	section	NOUN
fsr-3265	49	2	5	5	NUM
fsr-3265	49	3	concludes	conclude	VERB
fsr-3265	49	4	with	with	ADP
fsr-3265	49	5	a	a	DET
fsr-3265	49	6	summary	summary	NOUN
fsr-3265	49	7	of	of	ADP
fsr-3265	49	8	findings	finding	NOUN
fsr-3265	49	9	and	and	CCONJ
fsr-3265	49	10	suggestions	suggestion	NOUN
fsr-3265	49	11	for	for	ADP
fsr-3265	49	12	future	future	ADJ
fsr-3265	49	13	research	research	NOUN
fsr-3265	49	14	.	.	PUNCT
fsr-3265	50	1	2	2	X
fsr-3265	50	2	.	.	X
fsr-3265	50	3	financial	financial	ADJ
fsr-3265	50	4	literacy	literacy	NOUN
fsr-3265	50	5	,	,	PUNCT
fsr-3265	50	6	financial	financial	ADJ
fsr-3265	50	7	network	network	NOUN
fsr-3265	50	8	intensity	intensity	NOUN
fsr-3265	50	9	,	,	PUNCT
fsr-3265	50	10	and	and	CCONJ
fsr-3265	50	11	retirement	retirement	NOUN
fsr-3265	50	12	investment	investment	NOUN
fsr-3265	50	13	decisions	decision	NOUN
fsr-3265	50	14	managing	manage	VERB
fsr-3265	50	15	an	an	DET
fsr-3265	50	16	investment	investment	NOUN
fsr-3265	50	17	portfolio	portfolio	NOUN
fsr-3265	50	18	requires	require	VERB
fsr-3265	50	19	an	an	DET
fsr-3265	50	20	individual	individual	ADJ
fsr-3265	50	21	investor	investor	NOUN
fsr-3265	50	22	to	to	PART
fsr-3265	50	23	spend	spend	VERB
fsr-3265	50	24	significant	significant	ADJ
fsr-3265	50	25	time	time	NOUN
fsr-3265	50	26	and	and	CCONJ
fsr-3265	50	27	effort	effort	NOUN
fsr-3265	50	28	in	in	ADP
fsr-3265	50	29	understanding	understand	VERB
fsr-3265	50	30	various	various	ADJ
fsr-3265	50	31	finance	finance	NOUN
fsr-3265	50	32	concepts	concept	NOUN
fsr-3265	50	33	such	such	ADJ
fsr-3265	50	34	as	as	ADP
fsr-3265	50	35	asset	asset	NOUN
fsr-3265	50	36	returns	return	NOUN
fsr-3265	50	37	,	,	PUNCT
fsr-3265	50	38	volatility	volatility	NOUN
fsr-3265	50	39	,	,	PUNCT
fsr-3265	50	40	and	and	CCONJ
fsr-3265	50	41	covariance	covariance	NOUN
fsr-3265	50	42	between	between	ADP
fsr-3265	50	43	asset	asset	NOUN
fsr-3265	50	44	returns	return	NOUN
fsr-3265	50	45	.	.	PUNCT
fsr-3265	51	1	thus	thus	ADV
fsr-3265	51	2	,	,	PUNCT
fsr-3265	51	3	information	information	NOUN
fsr-3265	51	4	costs	cost	NOUN
fsr-3265	51	5	—	—	PUNCT
fsr-3265	51	6	for	for	ADP
fsr-3265	51	7	example	example	NOUN
fsr-3265	51	8	,	,	PUNCT
fsr-3265	51	9	costs	cost	NOUN
fsr-3265	51	10	of	of	ADP
fsr-3265	51	11	acquiring	acquire	VERB
fsr-3265	51	12	and	and	CCONJ
fsr-3265	51	13	processing	process	VERB
fsr-3265	51	14	information	information	NOUN
fsr-3265	51	15	about	about	ADP
fsr-3265	51	16	risks	risk	NOUN
fsr-3265	51	17	and	and	CCONJ
fsr-3265	51	18	returns	return	NOUN
fsr-3265	51	19	—	—	PUNCT
fsr-3265	51	20	represent	represent	VERB
fsr-3265	51	21	a	a	DET
fsr-3265	51	22	significant	significant	ADJ
fsr-3265	51	23	barrier	barrier	NOUN
fsr-3265	51	24	for	for	SCONJ
fsr-3265	51	25	individual	individual	ADJ
fsr-3265	51	26	investors	investor	NOUN
fsr-3265	51	27	to	to	PART
fsr-3265	51	28	build	build	VERB
fsr-3265	51	29	their	their	PRON
fsr-3265	51	30	own	own	ADJ
fsr-3265	51	31	investment	investment	NOUN
fsr-3265	51	32	portfolio	portfolio	NOUN
fsr-3265	51	33	(	(	PUNCT
fsr-3265	51	34	christelis	christelis	PROPN
fsr-3265	51	35	,	,	PUNCT
fsr-3265	51	36	jappelli	jappelli	PROPN
fsr-3265	51	37	,	,	PUNCT
fsr-3265	51	38	&	&	CCONJ
fsr-3265	51	39	padula	padula	NOUN
fsr-3265	51	40	,	,	PUNCT
fsr-3265	51	41	2010	2010	NUM
fsr-3265	51	42	;	;	PUNCT
fsr-3265	51	43	vissing	visse	VERB
fsr-3265	51	44	-	-	PUNCT
fsr-3265	51	45	jørgensen	jørgensen	NOUN
fsr-3265	51	46	,	,	PUNCT
fsr-3265	51	47	2003	2003	NUM
fsr-3265	51	48	)	)	PUNCT
fsr-3265	51	49	.	.	PUNCT
fsr-3265	52	1	building	build	VERB
fsr-3265	52	2	on	on	ADP
fsr-3265	52	3	the	the	DET
fsr-3265	52	4	notion	notion	NOUN
fsr-3265	52	5	of	of	ADP
fsr-3265	52	6	information	information	NOUN
fsr-3265	52	7	cost	cost	NOUN
fsr-3265	52	8	,	,	PUNCT
fsr-3265	52	9	we	we	PRON
fsr-3265	52	10	argue	argue	VERB
fsr-3265	52	11	that	that	SCONJ
fsr-3265	52	12	individual	individual	ADJ
fsr-3265	52	13	investors	investor	NOUN
fsr-3265	52	14	’	’	PART
fsr-3265	52	15	financial	financial	ADJ
fsr-3265	52	16	literacy	literacy	NOUN
fsr-3265	52	17	and	and	CCONJ
fsr-3265	52	18	financial	financial	ADJ
fsr-3265	52	19	networks	network	NOUN
fsr-3265	52	20	reduce	reduce	VERB
fsr-3265	52	21	information	information	NOUN
fsr-3265	52	22	cost	cost	NOUN
fsr-3265	52	23	,	,	PUNCT
fsr-3265	52	24	which	which	PRON
fsr-3265	52	25	consequently	consequently	ADV
fsr-3265	52	26	influences	influence	VERB
fsr-3265	52	27	their	their	PRON
fsr-3265	52	28	retirement	retirement	NOUN
fsr-3265	52	29	investment	investment	NOUN
fsr-3265	52	30	portfolios	portfolio	NOUN
fsr-3265	52	31	.	.	PUNCT
fsr-3265	53	1	2.1	2.1	NUM
fsr-3265	53	2	.	.	PUNCT
fsr-3265	53	3	financial	financial	ADJ
fsr-3265	53	4	literacy	literacy	NOUN
fsr-3265	53	5	information	information	NOUN
fsr-3265	53	6	costs	cost	NOUN
fsr-3265	53	7	for	for	ADP
fsr-3265	53	8	investments	investment	NOUN
fsr-3265	53	9	may	may	AUX
fsr-3265	53	10	be	be	AUX
fsr-3265	53	11	substantially	substantially	ADV
fsr-3265	53	12	large	large	ADJ
fsr-3265	53	13	for	for	ADP
fsr-3265	53	14	people	people	NOUN
fsr-3265	53	15	who	who	PRON
fsr-3265	53	16	have	have	VERB
fsr-3265	53	17	low	low	ADJ
fsr-3265	53	18	financial	financial	ADJ
fsr-3265	53	19	knowledge	knowledge	NOUN
fsr-3265	53	20	and	and	CCONJ
fsr-3265	53	21	skills	skill	NOUN
fsr-3265	53	22	(	(	PUNCT
fsr-3265	53	23	vissing	visse	VERB
fsr-3265	53	24	-	-	PUNCT
fsr-3265	53	25	jørgensen	jørgensen	NOUN
fsr-3265	53	26	,	,	PUNCT
fsr-3265	53	27	2003	2003	NUM
fsr-3265	53	28	)	)	PUNCT
fsr-3265	53	29	.	.	PUNCT
fsr-3265	54	1	because	because	SCONJ
fsr-3265	54	2	they	they	PRON
fsr-3265	54	3	have	have	VERB
fsr-3265	54	4	to	to	PART
fsr-3265	54	5	spend	spend	VERB
fsr-3265	54	6	significant	significant	ADJ
fsr-3265	54	7	time	time	NOUN
fsr-3265	54	8	and	and	CCONJ
fsr-3265	54	9	effort	effort	NOUN
fsr-3265	54	10	in	in	ADP
fsr-3265	54	11	acquiring	acquire	VERB
fsr-3265	54	12	and	and	CCONJ
fsr-3265	54	13	processing	process	VERB
fsr-3265	54	14	financial	financial	ADJ
fsr-3265	54	15	information	information	NOUN
fsr-3265	54	16	,	,	PUNCT
fsr-3265	54	17	they	they	PRON
fsr-3265	54	18	may	may	AUX
fsr-3265	54	19	give	give	VERB
fsr-3265	54	20	up	up	ADP
fsr-3265	54	21	the	the	DET
fsr-3265	54	22	costly	costly	ADJ
fsr-3265	54	23	process	process	NOUN
fsr-3265	54	24	for	for	ADP
fsr-3265	54	25	investment	investment	NOUN
fsr-3265	54	26	decision	decision	NOUN
fsr-3265	54	27	-	-	PUNCT
fsr-3265	54	28	making	making	NOUN
fsr-3265	54	29	and	and	CCONJ
fsr-3265	54	30	seek	seek	VERB
fsr-3265	54	31	a	a	DET
fsr-3265	54	32	simple	simple	ADJ
fsr-3265	54	33	solution	solution	NOUN
fsr-3265	54	34	(	(	PUNCT
fsr-3265	54	35	bettman	bettman	PROPN
fsr-3265	54	36	&	&	CCONJ
fsr-3265	54	37	park	park	PROPN
fsr-3265	54	38	,	,	PUNCT
fsr-3265	54	39	1980	1980	NUM
fsr-3265	54	40	)	)	PUNCT
fsr-3265	54	41	.	.	PUNCT
fsr-3265	55	1	agnew	agnew	PROPN
fsr-3265	55	2	and	and	CCONJ
fsr-3265	55	3	szykman	szykman	PROPN
fsr-3265	55	4	(	(	PUNCT
fsr-3265	55	5	2005	2005	NUM
fsr-3265	55	6	)	)	PUNCT
fsr-3265	55	7	find	find	VERB
fsr-3265	55	8	that	that	SCONJ
fsr-3265	55	9	individual	individual	ADJ
fsr-3265	55	10	investors	investor	NOUN
fsr-3265	55	11	with	with	ADP
fsr-3265	55	12	a	a	DET
fsr-3265	55	13	low	low	ADJ
fsr-3265	55	14	level	level	NOUN
fsr-3265	55	15	of	of	ADP
fsr-3265	55	16	financial	financial	ADJ
fsr-3265	55	17	knowledge	knowledge	NOUN
fsr-3265	55	18	are	be	AUX
fsr-3265	55	19	likely	likely	ADJ
fsr-3265	55	20	to	to	PART
fsr-3265	55	21	opt	opt	VERB
fsr-3265	55	22	for	for	ADP
fsr-3265	55	23	a	a	DET
fsr-3265	55	24	default	default	NOUN
fsr-3265	55	25	investment	investment	NOUN
fsr-3265	55	26	option	option	NOUN
fsr-3265	55	27	more	more	ADV
fsr-3265	55	28	often	often	ADV
fsr-3265	55	29	than	than	ADP
fsr-3265	55	30	those	those	PRON
fsr-3265	55	31	with	with	ADP
fsr-3265	55	32	a	a	DET
fsr-3265	55	33	high	high	ADJ
fsr-3265	55	34	level	level	NOUN
fsr-3265	55	35	of	of	ADP
fsr-3265	55	36	financial	financial	ADJ
fsr-3265	55	37	knowledge	knowledge	NOUN
fsr-3265	55	38	.	.	PUNCT
fsr-3265	56	1	in	in	ADP
fsr-3265	56	2	addition	addition	NOUN
fsr-3265	56	3	,	,	PUNCT
fsr-3265	56	4	choi	choi	PROPN
fsr-3265	56	5	et	et	PROPN
fsr-3265	56	6	al	al	PROPN
fsr-3265	56	7	.	.	PROPN
fsr-3265	57	1	(	(	PUNCT
fsr-3265	57	2	2004	2004	NUM
fsr-3265	57	3	)	)	PUNCT
fsr-3265	57	4	find	find	VERB
fsr-3265	57	5	from	from	ADP
fsr-3265	57	6	several	several	ADJ
fsr-3265	57	7	401(k	401(k	PROPN
fsr-3265	57	8	)	)	PUNCT
fsr-3265	57	9	plans	plan	VERB
fsr-3265	57	10	that	that	SCONJ
fsr-3265	57	11	young	young	ADJ
fsr-3265	57	12	,	,	PUNCT
fsr-3265	57	13	female	female	ADJ
fsr-3265	57	14	,	,	PUNCT
fsr-3265	57	15	and	and	CCONJ
fsr-3265	57	16	low	low	ADJ
fsr-3265	57	17	-	-	PUNCT
fsr-3265	57	18	income	income	NOUN
fsr-3265	57	19	participants	participant	NOUN
fsr-3265	57	20	with	with	ADP
fsr-3265	57	21	short	short	ADJ
fsr-3265	57	22	tenure	tenure	NOUN
fsr-3265	57	23	,	,	PUNCT
fsr-3265	57	24	who	who	PRON
fsr-3265	57	25	are	be	AUX
fsr-3265	57	26	typically	typically	ADV
fsr-3265	57	27	associated	associate	VERB
fsr-3265	57	28	with	with	ADP
fsr-3265	57	29	a	a	DET
fsr-3265	57	30	low	low	ADJ
fsr-3265	57	31	level	level	NOUN
fsr-3265	57	32	of	of	ADP
fsr-3265	57	33	financial	financial	ADJ
fsr-3265	57	34	literacy	literacy	NOUN
fsr-3265	57	35	(	(	PUNCT
fsr-3265	57	36	banerjee	banerjee	PROPN
fsr-3265	57	37	,	,	PUNCT
fsr-3265	57	38	2011	2011	NUM
fsr-3265	57	39	;	;	PUNCT
fsr-3265	57	40	hung	hung	PROPN
fsr-3265	57	41	,	,	PUNCT
fsr-3265	57	42	parker	parker	PROPN
fsr-3265	57	43	,	,	PUNCT
fsr-3265	57	44	&	&	CCONJ
fsr-3265	57	45	yoong	yoong	PROPN
fsr-3265	57	46	,	,	PUNCT
fsr-3265	57	47	2009	2009	NUM
fsr-3265	57	48	;	;	PUNCT
fsr-3265	57	49	lusardi	lusardi	PROPN
fsr-3265	57	50	&	&	CCONJ
fsr-3265	57	51	mitchell	mitchell	PROPN
fsr-3265	57	52	,	,	PUNCT
fsr-3265	57	53	2007a	2007a	NUM
fsr-3265	57	54	)	)	PUNCT
fsr-3265	57	55	,	,	PUNCT
fsr-3265	57	56	are	be	AUX
fsr-3265	57	57	more	more	ADV
fsr-3265	57	58	likely	likely	ADJ
fsr-3265	57	59	to	to	PART
fsr-3265	57	60	choose	choose	VERB
fsr-3265	57	61	a	a	DET
fsr-3265	57	62	default	default	NOUN
fsr-3265	57	63	investment	investment	NOUN
fsr-3265	57	64	option	option	NOUN
fsr-3265	57	65	than	than	ADP
fsr-3265	57	66	others	other	NOUN
fsr-3265	57	67	.	.	PUNCT
fsr-3265	58	1	based	base	VERB
fsr-3265	58	2	on	on	ADP
fsr-3265	58	3	the	the	DET
fsr-3265	58	4	theoretical	theoretical	ADJ
fsr-3265	58	5	and	and	CCONJ
fsr-3265	58	6	empirical	empirical	ADJ
fsr-3265	58	7	findings	finding	NOUN
fsr-3265	58	8	in	in	ADP
fsr-3265	58	9	the	the	DET
fsr-3265	58	10	previous	previous	ADJ
fsr-3265	58	11	literature	literature	NOUN
fsr-3265	58	12	,	,	PUNCT
fsr-3265	58	13	we	we	PRON
fsr-3265	58	14	argue	argue	VERB
fsr-3265	58	15	that	that	SCONJ
fsr-3265	58	16	individuals	individual	NOUN
fsr-3265	58	17	who	who	PRON
fsr-3265	58	18	have	have	VERB
fsr-3265	58	19	little	little	ADJ
fsr-3265	58	20	knowledge	knowledge	NOUN
fsr-3265	58	21	of	of	ADP
fsr-3265	58	22	finance	finance	NOUN
fsr-3265	58	23	are	be	AUX
fsr-3265	58	24	more	more	ADV
fsr-3265	58	25	likely	likely	ADJ
fsr-3265	58	26	to	to	PART
fsr-3265	58	27	select	select	VERB
fsr-3265	58	28	a	a	DET
fsr-3265	58	29	default	default	NOUN
fsr-3265	58	30	investment	investment	NOUN
fsr-3265	58	31	option	option	NOUN
fsr-3265	58	32	than	than	ADP
fsr-3265	58	33	those	those	PRON
fsr-3265	58	34	who	who	PRON
fsr-3265	58	35	have	have	VERB
fsr-3265	58	36	much	much	ADJ
fsr-3265	58	37	knowledge	knowledge	NOUN
fsr-3265	58	38	of	of	ADP
fsr-3265	58	39	finance	finance	NOUN
fsr-3265	58	40	.	.	PUNCT
fsr-3265	59	1	on	on	ADP
fsr-3265	59	2	the	the	DET
fsr-3265	59	3	contrary	contrary	NOUN
fsr-3265	59	4	,	,	PUNCT
fsr-3265	59	5	individuals	individual	NOUN
fsr-3265	59	6	with	with	ADP
fsr-3265	59	7	a	a	DET
fsr-3265	59	8	high	high	ADJ
fsr-3265	59	9	level	level	NOUN
fsr-3265	59	10	of	of	ADP
fsr-3265	59	11	financial	financial	ADJ
fsr-3265	59	12	literacy	literacy	NOUN
fsr-3265	59	13	are	be	AUX
fsr-3265	59	14	more	more	ADV
fsr-3265	59	15	likely	likely	ADJ
fsr-3265	59	16	to	to	PART
fsr-3265	59	17	choose	choose	VERB
fsr-3265	59	18	no	no	DET
fsr-3265	59	19	default	default	NOUN
fsr-3265	59	20	and	and	CCONJ
fsr-3265	59	21	build	build	VERB
fsr-3265	59	22	their	their	PRON
fsr-3265	59	23	own	own	ADJ
fsr-3265	59	24	retirement	retirement	NOUN
fsr-3265	59	25	investment	investment	NOUN
fsr-3265	59	26	portfolio	portfolio	NOUN
fsr-3265	59	27	than	than	ADP
fsr-3265	59	28	those	those	PRON
fsr-3265	59	29	with	with	ADP
fsr-3265	59	30	a	a	DET
fsr-3265	59	31	low	low	ADJ
fsr-3265	59	32	level	level	NOUN
fsr-3265	59	33	of	of	ADP
fsr-3265	59	34	financial	financial	ADJ
fsr-3265	59	35	literacy	literacy	NOUN
fsr-3265	59	36	.	.	PUNCT
fsr-3265	60	1	in	in	ADP
fsr-3265	60	2	this	this	DET
fsr-3265	60	3	respect	respect	NOUN
fsr-3265	60	4	,	,	PUNCT
fsr-3265	60	5	we	we	PRON
fsr-3265	60	6	hypothesize	hypothesize	VERB
fsr-3265	60	7	the	the	DET
fsr-3265	60	8	following	following	NOUN
fsr-3265	60	9	:	:	PUNCT
fsr-3265	60	10	h1a	h1a	NOUN
fsr-3265	60	11	:	:	PUNCT
fsr-3265	60	12	financial	financial	ADJ
fsr-3265	60	13	literacy	literacy	NOUN
fsr-3265	60	14	is	be	AUX
fsr-3265	60	15	positively	positively	ADV
fsr-3265	60	16	associated	associate	VERB
fsr-3265	60	17	with	with	ADP
fsr-3265	60	18	a	a	DET
fsr-3265	60	19	choice	choice	NOUN
fsr-3265	60	20	of	of	ADP
fsr-3265	60	21	“	"	PUNCT
fsr-3265	60	22	no	no	DET
fsr-3265	60	23	default	default	NOUN
fsr-3265	60	24	”	"	PUNCT
fsr-3265	60	25	in	in	ADP
fsr-3265	60	26	a	a	DET
fsr-3265	60	27	retirement	retirement	NOUN
fsr-3265	60	28	plan	plan	NOUN
fsr-3265	60	29	.	.	PUNCT
fsr-3265	61	1	individual	individual	ADJ
fsr-3265	61	2	investors	investor	NOUN
fsr-3265	61	3	who	who	PRON
fsr-3265	61	4	are	be	AUX
fsr-3265	61	5	financially	financially	ADV
fsr-3265	61	6	literate	literate	ADJ
fsr-3265	61	7	may	may	AUX
fsr-3265	61	8	be	be	AUX
fsr-3265	61	9	able	able	ADJ
fsr-3265	61	10	to	to	PART
fsr-3265	61	11	reduce	reduce	VERB
fsr-3265	61	12	the	the	DET
fsr-3265	61	13	costs	cost	NOUN
fsr-3265	61	14	of	of	ADP
fsr-3265	61	15	acquiring	acquire	VERB
fsr-3265	61	16	and	and	CCONJ
fsr-3265	61	17	processing	process	VERB
fsr-3265	61	18	financial	financial	ADJ
fsr-3265	61	19	information	information	NOUN
fsr-3265	61	20	and	and	CCONJ
fsr-3265	61	21	,	,	PUNCT
fsr-3265	61	22	as	as	ADP
fsr-3265	61	23	a	a	DET
fsr-3265	61	24	result	result	NOUN
fsr-3265	61	25	,	,	PUNCT
fsr-3265	61	26	increase	increase	VERB
fsr-3265	61	27	stockholding.5	stockholding.5	NOUN
fsr-3265	61	28	because	because	SCONJ
fsr-3265	61	29	financial	financial	ADJ
fsr-3265	61	30	literacy	literacy	NOUN
fsr-3265	61	31	helps	help	VERB
fsr-3265	61	32	reduce	reduce	VERB
fsr-3265	61	33	the	the	DET
fsr-3265	61	34	fixed	fix	VERB
fsr-3265	61	35	costs	cost	NOUN
fsr-3265	61	36	of	of	ADP
fsr-3265	61	37	acquiring	acquire	VERB
fsr-3265	61	38	and	and	CCONJ
fsr-3265	61	39	processing	process	VERB
fsr-3265	61	40	financial	financial	ADJ
fsr-3265	61	41	80	80	NUM
fsr-3265	61	42	y.	y.	PROPN
fsr-3265	61	43	chung	chung	PROPN
fsr-3265	61	44	,	,	PUNCT
fsr-3265	61	45	y.	y.	PROPN
fsr-3265	61	46	park	park	PROPN
fsr-3265	61	47	/	/	SYM
fsr-3265	61	48	financial	financial	ADJ
fsr-3265	61	49	services	service	NOUN
fsr-3265	61	50	review	review	VERB
fsr-3265	61	51	24	24	NUM
fsr-3265	61	52	(	(	PUNCT
fsr-3265	61	53	2015	2015	NUM
fsr-3265	61	54	)	)	PUNCT
fsr-3265	62	1	77–99	77–99	NUM
fsr-3265	62	2	information	information	NOUN
fsr-3265	62	3	(	(	PUNCT
fsr-3265	62	4	e.g.	e.g.	ADV
fsr-3265	62	5	,	,	PUNCT
fsr-3265	62	6	vissing	visse	VERB
fsr-3265	62	7	-	-	PUNCT
fsr-3265	62	8	jørgensen	jørgensen	ADJ
fsr-3265	62	9	,	,	PUNCT
fsr-3265	62	10	2003),6	2003),6	NUM
fsr-3265	62	11	financially	financially	ADV
fsr-3265	62	12	literate	literate	ADJ
fsr-3265	62	13	investors	investor	NOUN
fsr-3265	62	14	are	be	AUX
fsr-3265	62	15	likely	likely	ADJ
fsr-3265	62	16	to	to	PART
fsr-3265	62	17	hold	hold	VERB
fsr-3265	62	18	stocks	stock	NOUN
fsr-3265	62	19	(	(	PUNCT
fsr-3265	62	20	van	van	NOUN
fsr-3265	62	21	rooij	rooij	NOUN
fsr-3265	62	22	et	et	PROPN
fsr-3265	62	23	al	al	PROPN
fsr-3265	62	24	.	.	PROPN
fsr-3265	62	25	,	,	PUNCT
fsr-3265	62	26	2011	2011	NUM
fsr-3265	62	27	;	;	PUNCT
fsr-3265	62	28	yoong	yoong	PROPN
fsr-3265	62	29	,	,	PUNCT
fsr-3265	62	30	2010).7	2010).7	NUM
fsr-3265	62	31	in	in	ADP
fsr-3265	62	32	addition	addition	NOUN
fsr-3265	62	33	,	,	PUNCT
fsr-3265	62	34	once	once	SCONJ
fsr-3265	62	35	individual	individual	ADJ
fsr-3265	62	36	investors	investor	NOUN
fsr-3265	62	37	acquire	acquire	VERB
fsr-3265	62	38	financial	financial	ADJ
fsr-3265	62	39	knowledge	knowledge	NOUN
fsr-3265	62	40	or	or	CCONJ
fsr-3265	62	41	information	information	NOUN
fsr-3265	62	42	,	,	PUNCT
fsr-3265	62	43	they	they	PRON
fsr-3265	62	44	may	may	AUX
fsr-3265	62	45	apply	apply	VERB
fsr-3265	62	46	this	this	DET
fsr-3265	62	47	knowledge	knowledge	NOUN
fsr-3265	62	48	or	or	CCONJ
fsr-3265	62	49	information	information	NOUN
fsr-3265	62	50	to	to	ADP
fsr-3265	62	51	a	a	DET
fsr-3265	62	52	larger	large	ADJ
fsr-3265	62	53	volume	volume	NOUN
fsr-3265	62	54	of	of	ADP
fsr-3265	62	55	the	the	DET
fsr-3265	62	56	risky	risky	ADJ
fsr-3265	62	57	asset	asset	NOUN
fsr-3265	62	58	with	with	ADP
fsr-3265	62	59	an	an	DET
fsr-3265	62	60	increase	increase	NOUN
fsr-3265	62	61	in	in	ADP
fsr-3265	62	62	the	the	DET
fsr-3265	62	63	expected	expect	VERB
fsr-3265	62	64	rate	rate	NOUN
fsr-3265	62	65	of	of	ADP
fsr-3265	62	66	return	return	NOUN
fsr-3265	62	67	(	(	PUNCT
fsr-3265	62	68	delavande	delavande	NOUN
fsr-3265	62	69	,	,	PUNCT
fsr-3265	62	70	rohwedder	rohwedder	NOUN
fsr-3265	62	71	,	,	PUNCT
fsr-3265	62	72	&	&	CCONJ
fsr-3265	62	73	willis	willis	PROPN
fsr-3265	62	74	,	,	PUNCT
fsr-3265	62	75	2008	2008	NUM
fsr-3265	62	76	)	)	PUNCT
fsr-3265	62	77	.	.	PUNCT
fsr-3265	63	1	in	in	ADP
fsr-3265	63	2	this	this	DET
fsr-3265	63	3	respect	respect	NOUN
fsr-3265	63	4	,	,	PUNCT
fsr-3265	63	5	we	we	PRON
fsr-3265	63	6	expect	expect	VERB
fsr-3265	63	7	that	that	SCONJ
fsr-3265	63	8	individual	individual	ADJ
fsr-3265	63	9	investors	investor	NOUN
fsr-3265	63	10	with	with	ADP
fsr-3265	63	11	a	a	DET
fsr-3265	63	12	high	high	ADJ
fsr-3265	63	13	level	level	NOUN
fsr-3265	63	14	of	of	ADP
fsr-3265	63	15	financial	financial	ADJ
fsr-3265	63	16	literacy	literacy	NOUN
fsr-3265	63	17	are	be	AUX
fsr-3265	63	18	likely	likely	ADJ
fsr-3265	63	19	to	to	PART
fsr-3265	63	20	allocate	allocate	VERB
fsr-3265	63	21	more	more	ADJ
fsr-3265	63	22	contributions	contribution	NOUN
fsr-3265	63	23	to	to	ADP
fsr-3265	63	24	stocks	stock	NOUN
fsr-3265	63	25	than	than	ADP
fsr-3265	63	26	those	those	PRON
fsr-3265	63	27	with	with	ADP
fsr-3265	63	28	a	a	DET
fsr-3265	63	29	low	low	ADJ
fsr-3265	63	30	level	level	NOUN
fsr-3265	63	31	of	of	ADP
fsr-3265	63	32	financial	financial	ADJ
fsr-3265	63	33	literacy	literacy	NOUN
fsr-3265	63	34	,	,	PUNCT
fsr-3265	63	35	all	all	PRON
fsr-3265	63	36	else	else	ADV
fsr-3265	63	37	being	be	AUX
fsr-3265	63	38	equal	equal	ADJ
fsr-3265	63	39	.	.	PUNCT
fsr-3265	64	1	h1b	h1b	NOUN
fsr-3265	64	2	:	:	PUNCT
fsr-3265	64	3	financial	financial	ADJ
fsr-3265	64	4	literacy	literacy	NOUN
fsr-3265	64	5	is	be	AUX
fsr-3265	64	6	positively	positively	ADV
fsr-3265	64	7	associated	associate	VERB
fsr-3265	64	8	with	with	ADP
fsr-3265	64	9	stock	stock	NOUN
fsr-3265	64	10	allocation	allocation	NOUN
fsr-3265	64	11	in	in	ADP
fsr-3265	64	12	a	a	DET
fsr-3265	64	13	retirement	retirement	NOUN
fsr-3265	64	14	investment	investment	NOUN
fsr-3265	64	15	portfolio	portfolio	NOUN
fsr-3265	64	16	.	.	PUNCT
fsr-3265	65	1	2.2	2.2	NUM
fsr-3265	65	2	.	.	PUNCT
fsr-3265	65	3	financial	financial	ADJ
fsr-3265	65	4	network	network	NOUN
fsr-3265	65	5	intensity	intensity	NOUN
fsr-3265	65	6	individuals	individual	NOUN
fsr-3265	65	7	’	'	PUNCT
fsr-3265	65	8	investment	investment	NOUN
fsr-3265	65	9	decisions	decision	NOUN
fsr-3265	65	10	are	be	AUX
fsr-3265	65	11	affected	affect	VERB
fsr-3265	65	12	by	by	ADP
fsr-3265	65	13	not	not	PART
fsr-3265	65	14	only	only	ADV
fsr-3265	65	15	their	their	PRON
fsr-3265	65	16	own	own	ADJ
fsr-3265	65	17	financial	financial	ADJ
fsr-3265	65	18	literacy	literacy	NOUN
fsr-3265	65	19	but	but	CCONJ
fsr-3265	65	20	also	also	ADV
fsr-3265	65	21	social	social	ADJ
fsr-3265	65	22	interactions	interaction	NOUN
fsr-3265	65	23	such	such	ADJ
fsr-3265	65	24	as	as	ADP
fsr-3265	65	25	word	word	NOUN
fsr-3265	65	26	-	-	PUNCT
fsr-3265	65	27	of	of	ADP
fsr-3265	65	28	-	-	PUNCT
fsr-3265	65	29	mouth	mouth	NOUN
fsr-3265	65	30	or	or	CCONJ
fsr-3265	65	31	observational	observational	ADJ
fsr-3265	65	32	learning	learning	NOUN
fsr-3265	65	33	(	(	PUNCT
fsr-3265	65	34	banerjee	banerjee	PROPN
fsr-3265	65	35	,	,	PUNCT
fsr-3265	65	36	1992	1992	NUM
fsr-3265	65	37	;	;	PUNCT
fsr-3265	65	38	bikchandani	bikchandani	PROPN
fsr-3265	65	39	et	et	PROPN
fsr-3265	65	40	al	al	PROPN
fsr-3265	65	41	.	.	PROPN
fsr-3265	65	42	,	,	PUNCT
fsr-3265	65	43	1992	1992	NUM
fsr-3265	65	44	;	;	PUNCT
fsr-3265	65	45	ellison	ellison	PROPN
fsr-3265	65	46	&	&	CCONJ
fsr-3265	65	47	fudenberg	fudenberg	PROPN
fsr-3265	65	48	,	,	PUNCT
fsr-3265	65	49	1993	1993	NUM
fsr-3265	65	50	,	,	PUNCT
fsr-3265	65	51	1995	1995	NUM
fsr-3265	65	52	)	)	PUNCT
fsr-3265	65	53	.	.	PUNCT
fsr-3265	66	1	for	for	ADP
fsr-3265	66	2	example	example	NOUN
fsr-3265	66	3	,	,	PUNCT
fsr-3265	66	4	individuals	individual	NOUN
fsr-3265	66	5	’	'	PUNCT
fsr-3265	66	6	investment	investment	NOUN
fsr-3265	66	7	behavior	behavior	NOUN
fsr-3265	66	8	is	be	AUX
fsr-3265	66	9	affected	affect	VERB
fsr-3265	66	10	by	by	ADP
fsr-3265	66	11	investment	investment	NOUN
fsr-3265	66	12	decisions	decision	NOUN
fsr-3265	66	13	or	or	CCONJ
fsr-3265	66	14	outcomes	outcome	NOUN
fsr-3265	66	15	of	of	ADP
fsr-3265	66	16	their	their	PRON
fsr-3265	66	17	co	co	NOUN
fsr-3265	66	18	-	-	NOUN
fsr-3265	66	19	workers	worker	NOUN
fsr-3265	66	20	(	(	PUNCT
fsr-3265	66	21	duflo	duflo	PROPN
fsr-3265	66	22	&	&	CCONJ
fsr-3265	66	23	saez	saez	PROPN
fsr-3265	66	24	,	,	PUNCT
fsr-3265	66	25	2002	2002	NUM
fsr-3265	66	26	;	;	PUNCT
fsr-3265	66	27	lu	lu	PROPN
fsr-3265	66	28	,	,	PUNCT
fsr-3265	66	29	2011	2011	NUM
fsr-3265	66	30	)	)	PUNCT
fsr-3265	66	31	or	or	CCONJ
fsr-3265	66	32	neighbors	neighbor	NOUN
fsr-3265	66	33	(	(	PUNCT
fsr-3265	66	34	brown	brown	PROPN
fsr-3265	66	35	et	et	PROPN
fsr-3265	66	36	al	al	PROPN
fsr-3265	66	37	.	.	PROPN
fsr-3265	66	38	,	,	PUNCT
fsr-3265	66	39	2008	2008	NUM
fsr-3265	66	40	;	;	PUNCT
fsr-3265	66	41	hong	hong	PROPN
fsr-3265	66	42	et	et	PROPN
fsr-3265	66	43	al	al	PROPN
fsr-3265	66	44	.	.	PROPN
fsr-3265	66	45	,	,	PUNCT
fsr-3265	66	46	2004	2004	NUM
fsr-3265	66	47	;	;	PUNCT
fsr-3265	66	48	ivković	ivković	ADJ
fsr-3265	66	49	&	&	CCONJ
fsr-3265	66	50	weisbenner	weisbenner	PROPN
fsr-3265	66	51	,	,	PUNCT
fsr-3265	66	52	2007	2007	NUM
fsr-3265	66	53	;	;	PUNCT
fsr-3265	66	54	kaustia	kaustia	PROPN
fsr-3265	66	55	&	&	CCONJ
fsr-3265	66	56	knupfer	knupfer	PROPN
fsr-3265	66	57	,	,	PUNCT
fsr-3265	66	58	2012	2012	NUM
fsr-3265	66	59	)	)	PUNCT
fsr-3265	66	60	because	because	SCONJ
fsr-3265	66	61	social	social	ADJ
fsr-3265	66	62	interactions	interaction	NOUN
fsr-3265	66	63	,	,	PUNCT
fsr-3265	66	64	like	like	ADP
fsr-3265	66	65	financial	financial	ADJ
fsr-3265	66	66	literacy	literacy	NOUN
fsr-3265	66	67	,	,	PUNCT
fsr-3265	66	68	may	may	AUX
fsr-3265	66	69	be	be	AUX
fsr-3265	66	70	able	able	ADJ
fsr-3265	66	71	to	to	PART
fsr-3265	66	72	reduce	reduce	VERB
fsr-3265	66	73	the	the	DET
fsr-3265	66	74	costs	cost	NOUN
fsr-3265	66	75	of	of	ADP
fsr-3265	66	76	acquiring	acquire	VERB
fsr-3265	66	77	and	and	CCONJ
fsr-3265	66	78	processing	process	VERB
fsr-3265	66	79	financial	financial	ADJ
fsr-3265	66	80	information	information	NOUN
fsr-3265	66	81	.	.	PUNCT
fsr-3265	67	1	network	network	NOUN
fsr-3265	67	2	ties	tie	NOUN
fsr-3265	67	3	can	can	AUX
fsr-3265	67	4	serve	serve	VERB
fsr-3265	67	5	both	both	CCONJ
fsr-3265	67	6	instrumental	instrumental	ADJ
fsr-3265	67	7	/	/	SYM
fsr-3265	67	8	informational	informational	ADJ
fsr-3265	67	9	and	and	CCONJ
fsr-3265	67	10	expressive	expressive	ADJ
fsr-3265	67	11	/	/	SYM
fsr-3265	67	12	social	social	ADJ
fsr-3265	67	13	purposes	purpose	NOUN
fsr-3265	67	14	(	(	PUNCT
fsr-3265	67	15	balkundi	balkundi	NOUN
fsr-3265	67	16	&	&	CCONJ
fsr-3265	67	17	harrison	harrison	PROPN
fsr-3265	67	18	,	,	PUNCT
fsr-3265	67	19	2006	2006	NUM
fsr-3265	67	20	;	;	PUNCT
fsr-3265	67	21	cascioaro	cascioaro	NOUN
fsr-3265	67	22	&	&	CCONJ
fsr-3265	67	23	lobo	lobo	PROPN
fsr-3265	67	24	,	,	PUNCT
fsr-3265	67	25	2008	2008	NUM
fsr-3265	67	26	)	)	PUNCT
fsr-3265	67	27	.	.	PUNCT
fsr-3265	68	1	this	this	DET
fsr-3265	68	2	study	study	NOUN
fsr-3265	68	3	focuses	focus	VERB
fsr-3265	68	4	on	on	ADP
fsr-3265	68	5	the	the	DET
fsr-3265	68	6	instrumental	instrumental	ADJ
fsr-3265	68	7	role	role	NOUN
fsr-3265	68	8	of	of	ADP
fsr-3265	68	9	networks	network	NOUN
fsr-3265	68	10	,	,	PUNCT
fsr-3265	68	11	assuming	assume	VERB
fsr-3265	68	12	that	that	SCONJ
fsr-3265	68	13	instrumental	instrumental	ADJ
fsr-3265	68	14	external	external	ADJ
fsr-3265	68	15	ties	tie	NOUN
fsr-3265	68	16	are	be	AUX
fsr-3265	68	17	most	most	ADV
fsr-3265	68	18	relevant	relevant	ADJ
fsr-3265	68	19	to	to	ADP
fsr-3265	68	20	acquiring	acquire	VERB
fsr-3265	68	21	financial	financial	ADJ
fsr-3265	68	22	knowledge	knowledge	NOUN
fsr-3265	68	23	and	and	CCONJ
fsr-3265	68	24	information	information	NOUN
fsr-3265	68	25	.	.	PUNCT
fsr-3265	69	1	for	for	ADP
fsr-3265	69	2	instrumental	instrumental	ADJ
fsr-3265	69	3	external	external	ADJ
fsr-3265	69	4	ties	tie	NOUN
fsr-3265	69	5	,	,	PUNCT
fsr-3265	69	6	the	the	DET
fsr-3265	69	7	network	network	NOUN
fsr-3265	69	8	strength	strength	NOUN
fsr-3265	69	9	(	(	PUNCT
fsr-3265	69	10	in	in	ADP
fsr-3265	69	11	terms	term	NOUN
fsr-3265	69	12	of	of	ADP
fsr-3265	69	13	communication	communication	NOUN
fsr-3265	69	14	frequency	frequency	NOUN
fsr-3265	69	15	)	)	PUNCT
fsr-3265	69	16	with	with	ADP
fsr-3265	69	17	the	the	DET
fsr-3265	69	18	financial	financial	ADJ
fsr-3265	69	19	literate	literate	NOUN
fsr-3265	69	20	is	be	AUX
fsr-3265	69	21	of	of	ADP
fsr-3265	69	22	our	our	PRON
fsr-3265	69	23	particular	particular	ADJ
fsr-3265	69	24	interest	interest	NOUN
fsr-3265	69	25	;	;	PUNCT
fsr-3265	69	26	the	the	DET
fsr-3265	69	27	costs	cost	NOUN
fsr-3265	69	28	of	of	ADP
fsr-3265	69	29	acquiring	acquire	VERB
fsr-3265	69	30	and	and	CCONJ
fsr-3265	69	31	processing	process	VERB
fsr-3265	69	32	information	information	NOUN
fsr-3265	69	33	related	relate	VERB
fsr-3265	69	34	to	to	ADP
fsr-3265	69	35	investment	investment	NOUN
fsr-3265	69	36	may	may	AUX
fsr-3265	69	37	be	be	AUX
fsr-3265	69	38	reduced	reduce	VERB
fsr-3265	69	39	by	by	ADP
fsr-3265	69	40	frequent	frequent	ADJ
fsr-3265	69	41	interactions	interaction	NOUN
fsr-3265	69	42	with	with	ADP
fsr-3265	69	43	people	people	NOUN
fsr-3265	69	44	who	who	PRON
fsr-3265	69	45	are	be	AUX
fsr-3265	69	46	financially	financially	ADV
fsr-3265	69	47	knowledgeable	knowledgeable	ADJ
fsr-3265	69	48	.	.	PUNCT
fsr-3265	70	1	social	social	ADJ
fsr-3265	70	2	network	network	NOUN
fsr-3265	70	3	literature	literature	NOUN
fsr-3265	70	4	documents	document	NOUN
fsr-3265	70	5	that	that	PRON
fsr-3265	70	6	frequent	frequent	ADJ
fsr-3265	70	7	communications	communication	NOUN
fsr-3265	70	8	generate	generate	VERB
fsr-3265	70	9	“	"	PUNCT
fsr-3265	70	10	strong	strong	ADJ
fsr-3265	70	11	ties	tie	NOUN
fsr-3265	70	12	”	"	PUNCT
fsr-3265	70	13	and	and	CCONJ
fsr-3265	70	14	,	,	PUNCT
fsr-3265	70	15	thus	thus	ADV
fsr-3265	70	16	,	,	PUNCT
fsr-3265	70	17	trust	trust	NOUN
fsr-3265	70	18	between	between	ADP
fsr-3265	70	19	people	people	NOUN
fsr-3265	70	20	in	in	ADP
fsr-3265	70	21	the	the	DET
fsr-3265	70	22	network	network	NOUN
fsr-3265	70	23	(	(	PUNCT
fsr-3265	70	24	e.g.	e.g.	ADV
fsr-3265	70	25	,	,	PUNCT
fsr-3265	70	26	krackhardt	krackhardt	PROPN
fsr-3265	70	27	,	,	PUNCT
fsr-3265	70	28	1992	1992	NUM
fsr-3265	70	29	)	)	PUNCT
fsr-3265	70	30	.	.	PUNCT
fsr-3265	71	1	trustworthy	trustworthy	ADJ
fsr-3265	71	2	information	information	NOUN
fsr-3265	71	3	built	build	VERB
fsr-3265	71	4	on	on	ADP
fsr-3265	71	5	frequent	frequent	ADJ
fsr-3265	71	6	communications	communication	NOUN
fsr-3265	71	7	in	in	ADP
fsr-3265	71	8	one	one	NUM
fsr-3265	71	9	’s	’s	PART
fsr-3265	71	10	networks	network	NOUN
fsr-3265	71	11	,	,	PUNCT
fsr-3265	71	12	then	then	ADV
fsr-3265	71	13	,	,	PUNCT
fsr-3265	71	14	can	can	AUX
fsr-3265	71	15	affect	affect	VERB
fsr-3265	71	16	his	his	PRON
fsr-3265	71	17	or	or	CCONJ
fsr-3265	71	18	her	her	PRON
fsr-3265	71	19	investment	investment	NOUN
fsr-3265	71	20	decisions	decision	NOUN
fsr-3265	71	21	(	(	PUNCT
fsr-3265	71	22	e.g.	e.g.	ADV
fsr-3265	71	23	,	,	PUNCT
fsr-3265	71	24	guiso	guiso	PROPN
fsr-3265	71	25	,	,	PUNCT
fsr-3265	71	26	sapienza	sapienza	PROPN
fsr-3265	71	27	,	,	PUNCT
fsr-3265	71	28	&	&	CCONJ
fsr-3265	71	29	zingales	zingales	PROPN
fsr-3265	71	30	,	,	PUNCT
fsr-3265	71	31	2008).8	2008).8	NUM
fsr-3265	71	32	because	because	SCONJ
fsr-3265	71	33	people	people	NOUN
fsr-3265	71	34	tend	tend	VERB
fsr-3265	71	35	to	to	PART
fsr-3265	71	36	share	share	VERB
fsr-3265	71	37	critical	critical	ADJ
fsr-3265	71	38	and	and	CCONJ
fsr-3265	71	39	confidential	confidential	ADJ
fsr-3265	71	40	knowledge	knowledge	NOUN
fsr-3265	71	41	only	only	ADV
fsr-3265	71	42	with	with	ADP
fsr-3265	71	43	whom	whom	PRON
fsr-3265	71	44	they	they	PRON
fsr-3265	71	45	trust	trust	VERB
fsr-3265	71	46	(	(	PUNCT
fsr-3265	71	47	nahapiet	nahapiet	PROPN
fsr-3265	71	48	&	&	CCONJ
fsr-3265	71	49	goshal	goshal	PROPN
fsr-3265	71	50	,	,	PUNCT
fsr-3265	71	51	1998	1998	NUM
fsr-3265	71	52	;	;	PUNCT
fsr-3265	72	1	yli	yli	NOUN
fsr-3265	72	2	-	-	NOUN
fsr-3265	72	3	renko	renko	NOUN
fsr-3265	72	4	,	,	PUNCT
fsr-3265	72	5	autio	autio	PROPN
fsr-3265	72	6	,	,	PUNCT
fsr-3265	72	7	&	&	CCONJ
fsr-3265	72	8	sapienza	sapienza	PROPN
fsr-3265	72	9	,	,	PUNCT
fsr-3265	72	10	2001	2001	NUM
fsr-3265	72	11	)	)	PUNCT
fsr-3265	72	12	,	,	PUNCT
fsr-3265	72	13	frequent	frequent	ADJ
fsr-3265	72	14	interactions	interaction	NOUN
fsr-3265	72	15	with	with	ADP
fsr-3265	72	16	people	people	NOUN
fsr-3265	72	17	who	who	PRON
fsr-3265	72	18	have	have	VERB
fsr-3265	72	19	high	high	ADJ
fsr-3265	72	20	financial	financial	ADJ
fsr-3265	72	21	literacy	literacy	NOUN
fsr-3265	72	22	may	may	AUX
fsr-3265	72	23	provide	provide	VERB
fsr-3265	72	24	individuals	individual	NOUN
fsr-3265	72	25	easy	easy	ADJ
fsr-3265	72	26	access	access	NOUN
fsr-3265	72	27	to	to	ADP
fsr-3265	72	28	a	a	DET
fsr-3265	72	29	high	high	ADJ
fsr-3265	72	30	quality	quality	NOUN
fsr-3265	72	31	of	of	ADP
fsr-3265	72	32	investment	investment	NOUN
fsr-3265	72	33	and	and	CCONJ
fsr-3265	72	34	knowledge	knowledge	NOUN
fsr-3265	72	35	.	.	PUNCT
fsr-3265	73	1	therefore	therefore	ADV
fsr-3265	73	2	,	,	PUNCT
fsr-3265	73	3	through	through	ADP
fsr-3265	73	4	social	social	ADJ
fsr-3265	73	5	networks	network	NOUN
fsr-3265	73	6	with	with	ADP
fsr-3265	73	7	the	the	DET
fsr-3265	73	8	financially	financially	ADV
fsr-3265	73	9	literate	literate	ADJ
fsr-3265	73	10	,	,	PUNCT
fsr-3265	73	11	individuals	individual	NOUN
fsr-3265	73	12	may	may	AUX
fsr-3265	73	13	acquire	acquire	VERB
fsr-3265	73	14	reliable	reliable	ADJ
fsr-3265	73	15	and	and	CCONJ
fsr-3265	73	16	opportune	opportune	ADJ
fsr-3265	73	17	information	information	NOUN
fsr-3265	73	18	for	for	ADP
fsr-3265	73	19	their	their	PRON
fsr-3265	73	20	investments	investment	NOUN
fsr-3265	73	21	.	.	PUNCT
fsr-3265	74	1	drawing	draw	VERB
fsr-3265	74	2	on	on	ADP
fsr-3265	74	3	the	the	DET
fsr-3265	74	4	studies	study	NOUN
fsr-3265	74	5	on	on	ADP
fsr-3265	74	6	social	social	ADJ
fsr-3265	74	7	network	network	NOUN
fsr-3265	74	8	,	,	PUNCT
fsr-3265	74	9	we	we	PRON
fsr-3265	74	10	expect	expect	VERB
fsr-3265	74	11	that	that	SCONJ
fsr-3265	74	12	financial	financial	ADJ
fsr-3265	74	13	network	network	NOUN
fsr-3265	74	14	intensity	intensity	NOUN
fsr-3265	74	15	,	,	PUNCT
fsr-3265	74	16	indicating	indicate	VERB
fsr-3265	74	17	the	the	DET
fsr-3265	74	18	relationship	relationship	NOUN
fsr-3265	74	19	strength	strength	NOUN
fsr-3265	74	20	with	with	ADP
fsr-3265	74	21	the	the	DET
fsr-3265	74	22	financially	financially	ADV
fsr-3265	74	23	literate	literate	ADJ
fsr-3265	74	24	,	,	PUNCT
fsr-3265	74	25	may	may	AUX
fsr-3265	74	26	influence	influence	VERB
fsr-3265	74	27	individuals	individual	NOUN
fsr-3265	74	28	’	’	PART
fsr-3265	74	29	investment	investment	NOUN
fsr-3265	74	30	decisions	decision	NOUN
fsr-3265	74	31	.	.	PUNCT
fsr-3265	75	1	specifically	specifically	ADV
fsr-3265	75	2	,	,	PUNCT
fsr-3265	75	3	for	for	ADP
fsr-3265	75	4	a	a	DET
fsr-3265	75	5	given	give	VERB
fsr-3265	75	6	default	default	NOUN
fsr-3265	75	7	investment	investment	NOUN
fsr-3265	75	8	option	option	NOUN
fsr-3265	75	9	,	,	PUNCT
fsr-3265	75	10	we	we	PRON
fsr-3265	75	11	expect	expect	VERB
fsr-3265	75	12	that	that	SCONJ
fsr-3265	75	13	81y	81y	NUM
fsr-3265	75	14	.	.	PUNCT
fsr-3265	76	1	chung	chung	PROPN
fsr-3265	76	2	,	,	PUNCT
fsr-3265	76	3	y.	y.	PROPN
fsr-3265	76	4	park	park	PROPN
fsr-3265	76	5	/	/	SYM
fsr-3265	76	6	financial	financial	ADJ
fsr-3265	76	7	services	service	NOUN
fsr-3265	76	8	review	review	VERB
fsr-3265	76	9	24	24	NUM
fsr-3265	76	10	(	(	PUNCT
fsr-3265	76	11	2015	2015	NUM
fsr-3265	76	12	)	)	PUNCT
fsr-3265	77	1	77–99	77–99	NUM
fsr-3265	77	2	individual	individual	ADJ
fsr-3265	77	3	investors	investor	NOUN
fsr-3265	77	4	who	who	PRON
fsr-3265	77	5	have	have	VERB
fsr-3265	77	6	strong	strong	ADJ
fsr-3265	77	7	networks	network	NOUN
fsr-3265	77	8	with	with	ADP
fsr-3265	77	9	the	the	DET
fsr-3265	77	10	financially	financially	ADV
fsr-3265	77	11	literate	literate	ADJ
fsr-3265	77	12	are	be	AUX
fsr-3265	77	13	likely	likely	ADJ
fsr-3265	77	14	to	to	PART
fsr-3265	77	15	build	build	VERB
fsr-3265	77	16	their	their	PRON
fsr-3265	77	17	own	own	ADJ
fsr-3265	77	18	retirement	retirement	NOUN
fsr-3265	77	19	portfolio	portfolio	NOUN
fsr-3265	77	20	instead	instead	ADV
fsr-3265	77	21	of	of	ADP
fsr-3265	77	22	selecting	select	VERB
fsr-3265	77	23	a	a	DET
fsr-3265	77	24	default	default	NOUN
fsr-3265	77	25	option	option	NOUN
fsr-3265	77	26	.	.	PUNCT
fsr-3265	78	1	thus	thus	ADV
fsr-3265	78	2	,	,	PUNCT
fsr-3265	78	3	we	we	PRON
fsr-3265	78	4	hypothesize	hypothesize	VERB
fsr-3265	78	5	the	the	DET
fsr-3265	78	6	following	following	NOUN
fsr-3265	78	7	:	:	PUNCT
fsr-3265	78	8	h2a	h2a	ADP
fsr-3265	78	9	:	:	PUNCT
fsr-3265	78	10	financial	financial	ADJ
fsr-3265	78	11	network	network	NOUN
fsr-3265	78	12	intensity	intensity	NOUN
fsr-3265	78	13	is	be	AUX
fsr-3265	78	14	positively	positively	ADV
fsr-3265	78	15	associated	associate	VERB
fsr-3265	78	16	with	with	ADP
fsr-3265	78	17	a	a	DET
fsr-3265	78	18	choice	choice	NOUN
fsr-3265	78	19	of	of	ADP
fsr-3265	78	20	“	"	PUNCT
fsr-3265	78	21	no	no	DET
fsr-3265	78	22	default	default	NOUN
fsr-3265	78	23	”	"	PUNCT
fsr-3265	78	24	in	in	ADP
fsr-3265	78	25	a	a	DET
fsr-3265	78	26	retirement	retirement	NOUN
fsr-3265	78	27	plan	plan	NOUN
fsr-3265	78	28	.	.	PUNCT
fsr-3265	79	1	a	a	DET
fsr-3265	79	2	strong	strong	ADJ
fsr-3265	79	3	relationship	relationship	NOUN
fsr-3265	79	4	with	with	ADP
fsr-3265	79	5	people	people	NOUN
fsr-3265	79	6	who	who	PRON
fsr-3265	79	7	have	have	VERB
fsr-3265	79	8	a	a	DET
fsr-3265	79	9	high	high	ADJ
fsr-3265	79	10	level	level	NOUN
fsr-3265	79	11	of	of	ADP
fsr-3265	79	12	financial	financial	ADJ
fsr-3265	79	13	literacy	literacy	NOUN
fsr-3265	79	14	may	may	AUX
fsr-3265	79	15	also	also	ADV
fsr-3265	79	16	encourage	encourage	VERB
fsr-3265	79	17	individuals	individual	NOUN
fsr-3265	79	18	to	to	PART
fsr-3265	79	19	increase	increase	VERB
fsr-3265	79	20	stock	stock	NOUN
fsr-3265	79	21	allocation	allocation	NOUN
fsr-3265	79	22	in	in	ADP
fsr-3265	79	23	their	their	PRON
fsr-3265	79	24	retirement	retirement	NOUN
fsr-3265	79	25	investment	investment	NOUN
fsr-3265	79	26	portfolio	portfolio	NOUN
fsr-3265	79	27	.	.	PUNCT
fsr-3265	80	1	because	because	SCONJ
fsr-3265	80	2	individuals	individual	NOUN
fsr-3265	80	3	are	be	AUX
fsr-3265	80	4	likely	likely	ADJ
fsr-3265	80	5	to	to	PART
fsr-3265	80	6	obtain	obtain	VERB
fsr-3265	80	7	critical	critical	ADJ
fsr-3265	80	8	and	and	CCONJ
fsr-3265	80	9	reliable	reliable	ADJ
fsr-3265	80	10	financial	financial	ADJ
fsr-3265	80	11	or	or	CCONJ
fsr-3265	80	12	investment	investment	NOUN
fsr-3265	80	13	information	information	NOUN
fsr-3265	80	14	through	through	ADP
fsr-3265	80	15	frequent	frequent	ADJ
fsr-3265	80	16	interactions	interaction	NOUN
fsr-3265	80	17	with	with	ADP
fsr-3265	80	18	the	the	DET
fsr-3265	80	19	financially	financially	ADV
fsr-3265	80	20	literate	literate	ADJ
fsr-3265	80	21	,	,	PUNCT
fsr-3265	80	22	they	they	PRON
fsr-3265	80	23	may	may	AUX
fsr-3265	80	24	significantly	significantly	ADV
fsr-3265	80	25	be	be	AUX
fsr-3265	80	26	able	able	ADJ
fsr-3265	80	27	to	to	PART
fsr-3265	80	28	reduce	reduce	VERB
fsr-3265	80	29	time	time	NOUN
fsr-3265	80	30	and	and	CCONJ
fsr-3265	80	31	effort	effort	NOUN
fsr-3265	80	32	to	to	PART
fsr-3265	80	33	obtain	obtain	VERB
fsr-3265	80	34	and	and	CCONJ
fsr-3265	80	35	process	process	VERB
fsr-3265	80	36	the	the	DET
fsr-3265	80	37	information	information	NOUN
fsr-3265	80	38	necessary	necessary	ADJ
fsr-3265	80	39	for	for	ADP
fsr-3265	80	40	their	their	PRON
fsr-3265	80	41	investments	investment	NOUN
fsr-3265	80	42	.	.	PUNCT
fsr-3265	81	1	individuals	individual	NOUN
fsr-3265	81	2	usually	usually	ADV
fsr-3265	81	3	have	have	VERB
fsr-3265	81	4	limited	limit	VERB
fsr-3265	81	5	time	time	NOUN
fsr-3265	81	6	and	and	CCONJ
fsr-3265	81	7	effort	effort	NOUN
fsr-3265	81	8	to	to	PART
fsr-3265	81	9	spend	spend	VERB
fsr-3265	81	10	on	on	ADP
fsr-3265	81	11	constructing	construct	VERB
fsr-3265	81	12	a	a	DET
fsr-3265	81	13	retirement	retirement	NOUN
fsr-3265	81	14	portfolio	portfolio	NOUN
fsr-3265	81	15	.	.	PUNCT
fsr-3265	82	1	thus	thus	ADV
fsr-3265	82	2	,	,	PUNCT
fsr-3265	82	3	strong	strong	ADJ
fsr-3265	82	4	networks	network	NOUN
fsr-3265	82	5	with	with	ADP
fsr-3265	82	6	financially	financially	ADV
fsr-3265	82	7	literate	literate	ADJ
fsr-3265	82	8	people	people	NOUN
fsr-3265	82	9	(	(	PUNCT
fsr-3265	82	10	i.e.	i.e.	X
fsr-3265	82	11	,	,	PUNCT
fsr-3265	82	12	high	high	ADJ
fsr-3265	82	13	financial	financial	ADJ
fsr-3265	82	14	network	network	NOUN
fsr-3265	82	15	intensity	intensity	NOUN
fsr-3265	82	16	)	)	PUNCT
fsr-3265	82	17	may	may	AUX
fsr-3265	82	18	enable	enable	VERB
fsr-3265	82	19	individual	individual	ADJ
fsr-3265	82	20	investors	investor	NOUN
fsr-3265	82	21	to	to	PART
fsr-3265	82	22	easily	easily	ADV
fsr-3265	82	23	obtain	obtain	VERB
fsr-3265	82	24	investment	investment	NOUN
fsr-3265	82	25	information	information	NOUN
fsr-3265	82	26	with	with	ADP
fsr-3265	82	27	lower	low	ADJ
fsr-3265	82	28	costs	cost	NOUN
fsr-3265	82	29	and	and	CCONJ
fsr-3265	82	30	,	,	PUNCT
fsr-3265	82	31	as	as	ADP
fsr-3265	82	32	a	a	DET
fsr-3265	82	33	result	result	NOUN
fsr-3265	82	34	,	,	PUNCT
fsr-3265	82	35	to	to	PART
fsr-3265	82	36	increase	increase	VERB
fsr-3265	82	37	stockholdings	stockholding	NOUN
fsr-3265	82	38	.	.	PUNCT
fsr-3265	83	1	in	in	ADP
fsr-3265	83	2	this	this	DET
fsr-3265	83	3	regard	regard	NOUN
fsr-3265	83	4	,	,	PUNCT
fsr-3265	83	5	we	we	PRON
fsr-3265	83	6	hypothesize	hypothesize	VERB
fsr-3265	83	7	the	the	DET
fsr-3265	83	8	following	follow	VERB
fsr-3265	83	9	:	:	PUNCT
fsr-3265	83	10	h2b	h2b	PROPN
fsr-3265	83	11	:	:	PUNCT
fsr-3265	83	12	financial	financial	ADJ
fsr-3265	83	13	network	network	NOUN
fsr-3265	83	14	intensity	intensity	NOUN
fsr-3265	83	15	is	be	AUX
fsr-3265	83	16	positively	positively	ADV
fsr-3265	83	17	associated	associate	VERB
fsr-3265	83	18	with	with	ADP
fsr-3265	83	19	stock	stock	NOUN
fsr-3265	83	20	allocation	allocation	NOUN
fsr-3265	83	21	in	in	ADP
fsr-3265	83	22	a	a	DET
fsr-3265	83	23	retirement	retirement	NOUN
fsr-3265	83	24	investment	investment	NOUN
fsr-3265	83	25	portfolio	portfolio	NOUN
fsr-3265	83	26	.	.	PUNCT
fsr-3265	84	1	2.3	2.3	NUM
fsr-3265	84	2	.	.	PUNCT
fsr-3265	84	3	interactions	interaction	NOUN
fsr-3265	84	4	of	of	ADP
fsr-3265	84	5	financial	financial	ADJ
fsr-3265	84	6	literacy	literacy	NOUN
fsr-3265	84	7	and	and	CCONJ
fsr-3265	84	8	financial	financial	ADJ
fsr-3265	84	9	network	network	NOUN
fsr-3265	84	10	intensity	intensity	NOUN
fsr-3265	84	11	in	in	ADP
fsr-3265	84	12	the	the	DET
fsr-3265	84	13	previous	previous	ADJ
fsr-3265	84	14	sections	section	NOUN
fsr-3265	84	15	,	,	PUNCT
fsr-3265	84	16	we	we	PRON
fsr-3265	84	17	developed	develop	VERB
fsr-3265	84	18	the	the	DET
fsr-3265	84	19	hypotheses	hypothesis	NOUN
fsr-3265	84	20	that	that	SCONJ
fsr-3265	84	21	financial	financial	ADJ
fsr-3265	84	22	literacy	literacy	NOUN
fsr-3265	84	23	or	or	CCONJ
fsr-3265	84	24	financial	financial	ADJ
fsr-3265	84	25	network	network	NOUN
fsr-3265	84	26	intensity	intensity	NOUN
fsr-3265	84	27	affects	affect	VERB
fsr-3265	84	28	individuals	individual	NOUN
fsr-3265	84	29	’	'	PUNCT
fsr-3265	84	30	investment	investment	NOUN
fsr-3265	84	31	decisions	decision	NOUN
fsr-3265	84	32	for	for	ADP
fsr-3265	84	33	retirement	retirement	NOUN
fsr-3265	84	34	.	.	PUNCT
fsr-3265	85	1	the	the	DET
fsr-3265	85	2	two	two	NUM
fsr-3265	85	3	factors	factor	NOUN
fsr-3265	85	4	may	may	AUX
fsr-3265	85	5	also	also	ADV
fsr-3265	85	6	interact	interact	VERB
fsr-3265	85	7	for	for	ADP
fsr-3265	85	8	retirement	retirement	NOUN
fsr-3265	85	9	investment	investment	NOUN
fsr-3265	85	10	decisions	decision	NOUN
fsr-3265	85	11	.	.	PUNCT
fsr-3265	86	1	specifically	specifically	ADV
fsr-3265	86	2	,	,	PUNCT
fsr-3265	86	3	we	we	PRON
fsr-3265	86	4	argue	argue	VERB
fsr-3265	86	5	that	that	SCONJ
fsr-3265	86	6	financially	financially	ADV
fsr-3265	86	7	knowledgeable	knowledgeable	ADJ
fsr-3265	86	8	individuals	individual	NOUN
fsr-3265	86	9	are	be	AUX
fsr-3265	86	10	more	more	ADV
fsr-3265	86	11	likely	likely	ADJ
fsr-3265	86	12	to	to	PART
fsr-3265	86	13	build	build	VERB
fsr-3265	86	14	their	their	PRON
fsr-3265	86	15	own	own	ADJ
fsr-3265	86	16	portfolio	portfolio	NOUN
fsr-3265	86	17	and	and	CCONJ
fsr-3265	86	18	increase	increase	VERB
fsr-3265	86	19	stock	stock	NOUN
fsr-3265	86	20	allocations	allocation	NOUN
fsr-3265	86	21	when	when	SCONJ
fsr-3265	86	22	they	they	PRON
fsr-3265	86	23	have	have	VERB
fsr-3265	86	24	higher	high	ADJ
fsr-3265	86	25	financial	financial	ADJ
fsr-3265	86	26	network	network	NOUN
fsr-3265	86	27	intensity	intensity	NOUN
fsr-3265	86	28	(	(	PUNCT
fsr-3265	86	29	i.e.	i.e.	X
fsr-3265	86	30	,	,	PUNCT
fsr-3265	86	31	stronger	strong	ADJ
fsr-3265	86	32	networks	network	NOUN
fsr-3265	86	33	with	with	ADP
fsr-3265	86	34	the	the	DET
fsr-3265	86	35	financially	financially	ADV
fsr-3265	86	36	literate	literate	ADJ
fsr-3265	86	37	)	)	PUNCT
fsr-3265	86	38	than	than	ADP
fsr-3265	86	39	otherwise	otherwise	ADV
fsr-3265	86	40	.	.	PUNCT
fsr-3265	87	1	individual	individual	ADJ
fsr-3265	87	2	investors	investor	NOUN
fsr-3265	87	3	who	who	PRON
fsr-3265	87	4	have	have	VERB
fsr-3265	87	5	high	high	ADJ
fsr-3265	87	6	financial	financial	ADJ
fsr-3265	87	7	knowledge	knowledge	NOUN
fsr-3265	87	8	may	may	AUX
fsr-3265	87	9	have	have	VERB
fsr-3265	87	10	greater	great	ADJ
fsr-3265	87	11	ability	ability	NOUN
fsr-3265	87	12	to	to	PART
fsr-3265	87	13	understand	understand	VERB
fsr-3265	87	14	broad	broad	ADJ
fsr-3265	87	15	and	and	CCONJ
fsr-3265	87	16	diverse	diverse	ADJ
fsr-3265	87	17	knowledge	knowledge	NOUN
fsr-3265	87	18	about	about	ADP
fsr-3265	87	19	financial	financial	ADJ
fsr-3265	87	20	investment	investment	NOUN
fsr-3265	87	21	obtained	obtain	VERB
fsr-3265	87	22	through	through	ADP
fsr-3265	87	23	interactions	interaction	NOUN
fsr-3265	87	24	with	with	ADP
fsr-3265	87	25	the	the	DET
fsr-3265	87	26	financially	financially	ADV
fsr-3265	87	27	literate	literate	ADJ
fsr-3265	87	28	.	.	PUNCT
fsr-3265	88	1	in	in	ADP
fsr-3265	88	2	addition	addition	NOUN
fsr-3265	88	3	,	,	PUNCT
fsr-3265	88	4	financially	financially	ADV
fsr-3265	88	5	knowledgeable	knowledgeable	ADJ
fsr-3265	88	6	investors	investor	NOUN
fsr-3265	88	7	may	may	AUX
fsr-3265	88	8	easily	easily	ADV
fsr-3265	88	9	synthesize	synthesize	VERB
fsr-3265	88	10	their	their	PRON
fsr-3265	88	11	own	own	ADJ
fsr-3265	88	12	financial	financial	ADJ
fsr-3265	88	13	knowledge	knowledge	NOUN
fsr-3265	88	14	and	and	CCONJ
fsr-3265	88	15	the	the	DET
fsr-3265	88	16	knowledge	knowledge	NOUN
fsr-3265	88	17	acquired	acquire	VERB
fsr-3265	88	18	through	through	ADP
fsr-3265	88	19	social	social	ADJ
fsr-3265	88	20	networks	network	NOUN
fsr-3265	88	21	with	with	ADP
fsr-3265	88	22	the	the	DET
fsr-3265	88	23	financially	financially	ADV
fsr-3265	88	24	literate	literate	ADJ
fsr-3265	88	25	.	.	PUNCT
fsr-3265	89	1	as	as	ADP
fsr-3265	89	2	a	a	DET
fsr-3265	89	3	result	result	NOUN
fsr-3265	89	4	,	,	PUNCT
fsr-3265	89	5	financial	financial	ADJ
fsr-3265	89	6	networks	network	NOUN
fsr-3265	89	7	may	may	AUX
fsr-3265	89	8	enable	enable	VERB
fsr-3265	89	9	individual	individual	ADJ
fsr-3265	89	10	investors	investor	NOUN
fsr-3265	89	11	with	with	ADP
fsr-3265	89	12	high	high	ADJ
fsr-3265	89	13	financial	financial	ADJ
fsr-3265	89	14	literacy	literacy	NOUN
fsr-3265	89	15	to	to	PART
fsr-3265	89	16	reduce	reduce	VERB
fsr-3265	89	17	their	their	PRON
fsr-3265	89	18	opportunity	opportunity	NOUN
fsr-3265	89	19	cost	cost	NOUN
fsr-3265	89	20	of	of	ADP
fsr-3265	89	21	obtaining	obtain	VERB
fsr-3265	89	22	and	and	CCONJ
fsr-3265	89	23	processing	process	VERB
fsr-3265	89	24	financial	financial	ADJ
fsr-3265	89	25	knowledge	knowledge	NOUN
fsr-3265	89	26	,	,	PUNCT
fsr-3265	89	27	which	which	PRON
fsr-3265	89	28	consequently	consequently	ADV
fsr-3265	89	29	eases	ease	VERB
fsr-3265	89	30	their	their	PRON
fsr-3265	89	31	investment	investment	NOUN
fsr-3265	89	32	decision	decision	NOUN
fsr-3265	89	33	-	-	PUNCT
fsr-3265	89	34	making	making	NOUN
fsr-3265	89	35	.	.	PUNCT
fsr-3265	90	1	hence	hence	ADV
fsr-3265	90	2	,	,	PUNCT
fsr-3265	90	3	we	we	PRON
fsr-3265	90	4	argue	argue	VERB
fsr-3265	90	5	that	that	SCONJ
fsr-3265	90	6	individual	individual	ADJ
fsr-3265	90	7	investors	investor	NOUN
fsr-3265	90	8	’	’	PART
fsr-3265	90	9	financial	financial	ADJ
fsr-3265	90	10	network	network	NOUN
fsr-3265	90	11	intensity	intensity	NOUN
fsr-3265	90	12	complements	complement	VERB
fsr-3265	90	13	their	their	PRON
fsr-3265	90	14	financial	financial	ADJ
fsr-3265	90	15	literacy	literacy	NOUN
fsr-3265	90	16	:	:	PUNCT
fsr-3265	90	17	any	any	DET
fsr-3265	90	18	positive	positive	ADJ
fsr-3265	90	19	effects	effect	NOUN
fsr-3265	90	20	of	of	ADP
fsr-3265	90	21	financial	financial	ADJ
fsr-3265	90	22	literacy	literacy	NOUN
fsr-3265	90	23	on	on	ADP
fsr-3265	90	24	retirement	retirement	NOUN
fsr-3265	90	25	investment	investment	NOUN
fsr-3265	90	26	decisions	decision	NOUN
fsr-3265	90	27	would	would	AUX
fsr-3265	90	28	be	be	AUX
fsr-3265	90	29	stronger	strong	ADJ
fsr-3265	90	30	among	among	ADP
fsr-3265	90	31	those	those	PRON
fsr-3265	90	32	having	have	VERB
fsr-3265	90	33	high	high	ADJ
fsr-3265	90	34	financial	financial	ADJ
fsr-3265	90	35	network	network	NOUN
fsr-3265	90	36	intensity	intensity	NOUN
fsr-3265	90	37	than	than	ADP
fsr-3265	90	38	those	those	PRON
fsr-3265	90	39	having	have	VERB
fsr-3265	90	40	low	low	ADJ
fsr-3265	90	41	financial	financial	ADJ
fsr-3265	90	42	network	network	NOUN
fsr-3265	90	43	intensity	intensity	NOUN
fsr-3265	90	44	.	.	PUNCT
fsr-3265	91	1	accordingly	accordingly	ADV
fsr-3265	91	2	,	,	PUNCT
fsr-3265	91	3	we	we	PRON
fsr-3265	91	4	expect	expect	VERB
fsr-3265	91	5	the	the	DET
fsr-3265	91	6	following	follow	VERB
fsr-3265	91	7	:	:	PUNCT
fsr-3265	91	8	82	82	NUM
fsr-3265	91	9	y.	y.	PROPN
fsr-3265	91	10	chung	chung	PROPN
fsr-3265	91	11	,	,	PUNCT
fsr-3265	91	12	y.	y.	PROPN
fsr-3265	91	13	park	park	PROPN
fsr-3265	91	14	/	/	SYM
fsr-3265	91	15	financial	financial	ADJ
fsr-3265	91	16	services	service	NOUN
fsr-3265	91	17	review	review	VERB
fsr-3265	91	18	24	24	NUM
fsr-3265	91	19	(	(	PUNCT
fsr-3265	91	20	2015	2015	NUM
fsr-3265	91	21	)	)	PUNCT
fsr-3265	91	22	77–99	77–99	NUM
fsr-3265	91	23	h3a	h3a	NOUN
fsr-3265	91	24	:	:	PUNCT
fsr-3265	91	25	financial	financial	ADJ
fsr-3265	91	26	network	network	NOUN
fsr-3265	91	27	intensity	intensity	NOUN
fsr-3265	91	28	interacts	interact	VERB
fsr-3265	91	29	with	with	ADP
fsr-3265	91	30	financial	financial	ADJ
fsr-3265	91	31	literacy	literacy	NOUN
fsr-3265	91	32	on	on	ADP
fsr-3265	91	33	the	the	DET
fsr-3265	91	34	selection	selection	NOUN
fsr-3265	91	35	of	of	ADP
fsr-3265	91	36	a	a	DET
fsr-3265	91	37	default	default	NOUN
fsr-3265	91	38	investment	investment	NOUN
fsr-3265	91	39	option	option	NOUN
fsr-3265	91	40	in	in	ADP
fsr-3265	91	41	a	a	DET
fsr-3265	91	42	retirement	retirement	NOUN
fsr-3265	91	43	plan	plan	NOUN
fsr-3265	91	44	.	.	PUNCT
fsr-3265	92	1	h3b	h3b	NOUN
fsr-3265	92	2	:	:	PUNCT
fsr-3265	92	3	financial	financial	ADJ
fsr-3265	92	4	network	network	NOUN
fsr-3265	92	5	intensity	intensity	NOUN
fsr-3265	92	6	interacts	interact	VERB
fsr-3265	92	7	with	with	ADP
fsr-3265	92	8	financial	financial	ADJ
fsr-3265	92	9	literacy	literacy	NOUN
fsr-3265	92	10	on	on	ADP
fsr-3265	92	11	stock	stock	NOUN
fsr-3265	92	12	allocation	allocation	NOUN
fsr-3265	92	13	in	in	ADP
fsr-3265	92	14	a	a	DET
fsr-3265	92	15	retirement	retirement	NOUN
fsr-3265	92	16	investment	investment	NOUN
fsr-3265	92	17	portfolio	portfolio	NOUN
fsr-3265	92	18	.	.	PUNCT
fsr-3265	93	1	3	3	X
fsr-3265	93	2	.	.	X
fsr-3265	93	3	sample	sample	NOUN
fsr-3265	93	4	,	,	PUNCT
fsr-3265	93	5	survey	survey	NOUN
fsr-3265	93	6	instruments	instrument	NOUN
fsr-3265	93	7	,	,	PUNCT
fsr-3265	93	8	and	and	CCONJ
fsr-3265	93	9	model	model	NOUN
fsr-3265	93	10	specification	specification	NOUN
fsr-3265	93	11	3.1	3.1	NUM
fsr-3265	93	12	.	.	PUNCT
fsr-3265	93	13	sample	sample	NOUN
fsr-3265	93	14	and	and	CCONJ
fsr-3265	93	15	procedure	procedure	NOUN
fsr-3265	93	16	to	to	PART
fsr-3265	93	17	examine	examine	VERB
fsr-3265	93	18	the	the	DET
fsr-3265	93	19	effects	effect	NOUN
fsr-3265	93	20	of	of	ADP
fsr-3265	93	21	financial	financial	ADJ
fsr-3265	93	22	literacy	literacy	NOUN
fsr-3265	93	23	and	and	CCONJ
fsr-3265	93	24	financial	financial	ADJ
fsr-3265	93	25	network	network	NOUN
fsr-3265	93	26	intensity	intensity	NOUN
fsr-3265	93	27	on	on	ADP
fsr-3265	93	28	investment	investment	NOUN
fsr-3265	93	29	decisions	decision	NOUN
fsr-3265	93	30	,	,	PUNCT
fsr-3265	93	31	we	we	PRON
fsr-3265	93	32	collected	collect	VERB
fsr-3265	93	33	data	datum	NOUN
fsr-3265	93	34	from	from	ADP
fsr-3265	93	35	111	111	NUM
fsr-3265	93	36	senior	senior	ADJ
fsr-3265	93	37	college	college	NOUN
fsr-3265	93	38	students	student	NOUN
fsr-3265	93	39	in	in	ADP
fsr-3265	93	40	a	a	DET
fsr-3265	93	41	business	business	NOUN
fsr-3265	93	42	school	school	NOUN
fsr-3265	93	43	located	locate	VERB
fsr-3265	93	44	in	in	ADP
fsr-3265	93	45	the	the	DET
fsr-3265	93	46	northwestern	northwestern	ADJ
fsr-3265	93	47	united	united	PROPN
fsr-3265	93	48	states	states	PROPN
fsr-3265	93	49	,	,	PUNCT
fsr-3265	93	50	using	use	VERB
fsr-3265	93	51	a	a	DET
fsr-3265	93	52	traditional	traditional	ADJ
fsr-3265	93	53	paper	paper	NOUN
fsr-3265	93	54	-	-	PUNCT
fsr-3265	93	55	and	and	CCONJ
fsr-3265	93	56	-	-	PUNCT
fsr-3265	93	57	pencil	pencil	NOUN
fsr-3265	93	58	survey	survey	NOUN
fsr-3265	93	59	in	in	ADP
fsr-3265	93	60	the	the	DET
fsr-3265	93	61	classroom	classroom	NOUN
fsr-3265	93	62	in	in	ADP
fsr-3265	93	63	spring	spring	NOUN
fsr-3265	93	64	and	and	CCONJ
fsr-3265	93	65	fall	fall	VERB
fsr-3265	93	66	2012	2012	NUM
fsr-3265	93	67	semesters	semester	NOUN
fsr-3265	93	68	.	.	PUNCT
fsr-3265	94	1	to	to	PART
fsr-3265	94	2	enhance	enhance	VERB
fsr-3265	94	3	survey	survey	NOUN
fsr-3265	94	4	participants	participant	NOUN
fsr-3265	94	5	’	'	PUNCT
fsr-3265	94	6	calculation	calculation	NOUN
fsr-3265	94	7	accuracy	accuracy	NOUN
fsr-3265	94	8	,	,	PUNCT
fsr-3265	94	9	calculators	calculator	NOUN
fsr-3265	94	10	were	be	AUX
fsr-3265	94	11	distributed	distribute	VERB
fsr-3265	94	12	at	at	ADP
fsr-3265	94	13	the	the	DET
fsr-3265	94	14	beginning	beginning	NOUN
fsr-3265	94	15	of	of	ADP
fsr-3265	94	16	the	the	DET
fsr-3265	94	17	survey	survey	NOUN
fsr-3265	94	18	.	.	PUNCT
fsr-3265	95	1	students	student	NOUN
fsr-3265	95	2	who	who	PRON
fsr-3265	95	3	participated	participate	VERB
fsr-3265	95	4	in	in	ADP
fsr-3265	95	5	the	the	DET
fsr-3265	95	6	survey	survey	NOUN
fsr-3265	95	7	received	receive	VERB
fsr-3265	95	8	class	class	NOUN
fsr-3265	95	9	engagement	engagement	NOUN
fsr-3265	95	10	credits	credit	NOUN
fsr-3265	95	11	.	.	PUNCT
fsr-3265	96	1	four	four	NUM
fsr-3265	96	2	respondents	respondent	NOUN
fsr-3265	96	3	who	who	PRON
fsr-3265	96	4	were	be	AUX
fsr-3265	96	5	35	35	NUM
fsr-3265	96	6	or	or	CCONJ
fsr-3265	96	7	older	old	ADJ
fsr-3265	96	8	and	and	CCONJ
fsr-3265	96	9	10	10	NUM
fsr-3265	96	10	respondents	respondent	NOUN
fsr-3265	96	11	who	who	PRON
fsr-3265	96	12	did	do	AUX
fsr-3265	96	13	not	not	PART
fsr-3265	96	14	provide	provide	VERB
fsr-3265	96	15	all	all	DET
fsr-3265	96	16	the	the	DET
fsr-3265	96	17	information	information	NOUN
fsr-3265	96	18	are	be	AUX
fsr-3265	96	19	excluded	exclude	VERB
fsr-3265	96	20	from	from	ADP
fsr-3265	96	21	the	the	DET
fsr-3265	96	22	sample	sample	NOUN
fsr-3265	96	23	,	,	PUNCT
fsr-3265	96	24	resulting	result	VERB
fsr-3265	96	25	in	in	ADP
fsr-3265	96	26	a	a	DET
fsr-3265	96	27	sample	sample	NOUN
fsr-3265	96	28	of	of	ADP
fsr-3265	96	29	97	97	NUM
fsr-3265	96	30	respondents	respondent	NOUN
fsr-3265	96	31	.	.	PUNCT
fsr-3265	97	1	3.2	3.2	NUM
fsr-3265	97	2	.	.	PUNCT
fsr-3265	98	1	experimental	experimental	ADJ
fsr-3265	98	2	survey	survey	NOUN
fsr-3265	98	3	design	design	NOUN
fsr-3265	98	4	,	,	PUNCT
fsr-3265	98	5	model	model	NOUN
fsr-3265	98	6	specification	specification	NOUN
fsr-3265	98	7	,	,	PUNCT
fsr-3265	98	8	and	and	CCONJ
fsr-3265	98	9	measures	measure	VERB
fsr-3265	98	10	3.1.1	3.1.1	NUM
fsr-3265	98	11	.	.	PUNCT
fsr-3265	99	1	investment	investment	NOUN
fsr-3265	99	2	decisions	decision	NOUN
fsr-3265	99	3	for	for	ADP
fsr-3265	99	4	retirement	retirement	NOUN
fsr-3265	99	5	using	use	VERB
fsr-3265	99	6	an	an	DET
fsr-3265	99	7	experimental	experimental	ADJ
fsr-3265	99	8	survey	survey	NOUN
fsr-3265	99	9	method	method	NOUN
fsr-3265	99	10	,	,	PUNCT
fsr-3265	99	11	we	we	PRON
fsr-3265	99	12	developed	develop	VERB
fsr-3265	99	13	a	a	DET
fsr-3265	99	14	scenario	scenario	NOUN
fsr-3265	99	15	regarding	regard	VERB
fsr-3265	99	16	investment	investment	NOUN
fsr-3265	99	17	decisions	decision	NOUN
fsr-3265	99	18	in	in	ADP
fsr-3265	99	19	a	a	DET
fsr-3265	99	20	context	context	NOUN
fsr-3265	99	21	of	of	ADP
fsr-3265	99	22	a	a	DET
fsr-3265	99	23	401(k	401(k	NOUN
fsr-3265	99	24	)	)	PUNCT
fsr-3265	99	25	plan	plan	NOUN
fsr-3265	99	26	.	.	PUNCT
fsr-3265	100	1	in	in	ADP
fsr-3265	100	2	the	the	DET
fsr-3265	100	3	scenario	scenario	NOUN
fsr-3265	100	4	,	,	PUNCT
fsr-3265	100	5	we	we	PRON
fsr-3265	100	6	asked	ask	VERB
fsr-3265	100	7	respondents	respondent	NOUN
fsr-3265	100	8	to	to	PART
fsr-3265	100	9	assume	assume	VERB
fsr-3265	100	10	that	that	SCONJ
fsr-3265	100	11	they	they	PRON
fsr-3265	100	12	were	be	AUX
fsr-3265	100	13	recently	recently	ADV
fsr-3265	100	14	hired	hire	VERB
fsr-3265	100	15	and	and	CCONJ
fsr-3265	100	16	asked	ask	VERB
fsr-3265	100	17	to	to	PART
fsr-3265	100	18	make	make	VERB
fsr-3265	100	19	investment	investment	NOUN
fsr-3265	100	20	decisions	decision	NOUN
fsr-3265	100	21	for	for	ADP
fsr-3265	100	22	a	a	DET
fsr-3265	100	23	401(k	401(k	PROPN
fsr-3265	100	24	)	)	PUNCT
fsr-3265	100	25	plan	plan	NOUN
fsr-3265	100	26	with	with	ADP
fsr-3265	100	27	an	an	DET
fsr-3265	100	28	array	array	NOUN
fsr-3265	100	29	of	of	ADP
fsr-3265	100	30	investment	investment	NOUN
fsr-3265	100	31	options	option	NOUN
fsr-3265	100	32	provided	provide	VERB
fsr-3265	100	33	by	by	ADP
fsr-3265	100	34	a	a	DET
fsr-3265	100	35	company	company	NOUN
fsr-3265	100	36	.	.	PUNCT
fsr-3265	101	1	we	we	PRON
fsr-3265	101	2	assessed	assess	VERB
fsr-3265	101	3	two	two	NUM
fsr-3265	101	4	dependent	dependent	ADJ
fsr-3265	101	5	variables	variable	NOUN
fsr-3265	101	6	from	from	ADP
fsr-3265	101	7	sequential	sequential	ADJ
fsr-3265	101	8	retirement	retirement	NOUN
fsr-3265	101	9	investment	investment	NOUN
fsr-3265	101	10	decisions	decision	NOUN
fsr-3265	101	11	.	.	PUNCT
fsr-3265	102	1	first	first	ADV
fsr-3265	102	2	,	,	PUNCT
fsr-3265	102	3	survey	survey	NOUN
fsr-3265	102	4	respondents	respondent	NOUN
fsr-3265	102	5	were	be	AUX
fsr-3265	102	6	asked	ask	VERB
fsr-3265	102	7	to	to	PART
fsr-3265	102	8	make	make	VERB
fsr-3265	102	9	a	a	DET
fsr-3265	102	10	decision	decision	NOUN
fsr-3265	102	11	for	for	ADP
fsr-3265	102	12	a	a	DET
fsr-3265	102	13	default	default	NOUN
fsr-3265	102	14	investment	investment	NOUN
fsr-3265	102	15	option	option	NOUN
fsr-3265	102	16	,	,	PUNCT
fsr-3265	102	17	which	which	PRON
fsr-3265	102	18	is	be	AUX
fsr-3265	102	19	a	a	DET
fsr-3265	102	20	money	money	NOUN
fsr-3265	102	21	market	market	NOUN
fsr-3265	102	22	fund	fund	NOUN
fsr-3265	102	23	.	.	PUNCT
fsr-3265	103	1	if	if	SCONJ
fsr-3265	103	2	a	a	DET
fsr-3265	103	3	respondent	respondent	NOUN
fsr-3265	103	4	did	do	AUX
fsr-3265	103	5	not	not	PART
fsr-3265	103	6	choose	choose	VERB
fsr-3265	103	7	the	the	DET
fsr-3265	103	8	default	default	NOUN
fsr-3265	103	9	option	option	NOUN
fsr-3265	103	10	,	,	PUNCT
fsr-3265	103	11	then	then	ADV
fsr-3265	103	12	he	he	PRON
fsr-3265	103	13	or	or	CCONJ
fsr-3265	103	14	she	she	PRON
fsr-3265	103	15	was	be	AUX
fsr-3265	103	16	asked	ask	VERB
fsr-3265	103	17	to	to	PART
fsr-3265	103	18	build	build	VERB
fsr-3265	103	19	his	his	PRON
fsr-3265	103	20	or	or	CCONJ
fsr-3265	103	21	her	her	PRON
fsr-3265	103	22	own	own	ADJ
fsr-3265	103	23	retirement	retirement	NOUN
fsr-3265	103	24	portfolio	portfolio	NOUN
fsr-3265	103	25	from	from	ADP
fsr-3265	103	26	an	an	DET
fsr-3265	103	27	array	array	NOUN
fsr-3265	103	28	of	of	ADP
fsr-3265	103	29	investment	investment	NOUN
fsr-3265	103	30	options	option	NOUN
fsr-3265	103	31	:	:	PUNCT
fsr-3265	103	32	10	10	NUM
fsr-3265	103	33	different	different	ADJ
fsr-3265	103	34	mutual	mutual	ADJ
fsr-3265	103	35	funds	fund	NOUN
fsr-3265	103	36	including	include	VERB
fsr-3265	103	37	a	a	DET
fsr-3265	103	38	money	money	NOUN
fsr-3265	103	39	market	market	NOUN
fsr-3265	103	40	fund.9	fund.9	NOUN
fsr-3265	103	41	the	the	DET
fsr-3265	103	42	information	information	NOUN
fsr-3265	103	43	for	for	ADP
fsr-3265	103	44	each	each	DET
fsr-3265	103	45	fund	fund	NOUN
fsr-3265	103	46	was	be	AUX
fsr-3265	103	47	provided	provide	VERB
fsr-3265	103	48	in	in	ADP
fsr-3265	103	49	a	a	DET
fsr-3265	103	50	separate	separate	ADJ
fsr-3265	103	51	brochure	brochure	NOUN
fsr-3265	103	52	so	so	SCONJ
fsr-3265	103	53	that	that	SCONJ
fsr-3265	103	54	survey	survey	NOUN
fsr-3265	103	55	participants	participant	NOUN
fsr-3265	103	56	could	could	AUX
fsr-3265	103	57	compare	compare	VERB
fsr-3265	103	58	investment	investment	NOUN
fsr-3265	103	59	objectives	objective	NOUN
fsr-3265	103	60	,	,	PUNCT
fsr-3265	103	61	strategies	strategy	NOUN
fsr-3265	103	62	,	,	PUNCT
fsr-3265	103	63	expenses	expense	NOUN
fsr-3265	103	64	,	,	PUNCT
fsr-3265	103	65	risk	risk	NOUN
fsr-3265	103	66	and	and	CCONJ
fsr-3265	103	67	return	return	NOUN
fsr-3265	103	68	,	,	PUNCT
fsr-3265	103	69	and	and	CCONJ
fsr-3265	103	70	the	the	DET
fsr-3265	103	71	performance	performance	NOUN
fsr-3265	103	72	of	of	ADP
fsr-3265	103	73	the	the	DET
fsr-3265	103	74	funds	fund	NOUN
fsr-3265	103	75	.	.	PUNCT
fsr-3265	104	1	the	the	DET
fsr-3265	104	2	fund	fund	NOUN
fsr-3265	104	3	information	information	NOUN
fsr-3265	104	4	was	be	AUX
fsr-3265	104	5	provided	provide	VERB
fsr-3265	104	6	using	use	VERB
fsr-3265	104	7	actual	actual	ADJ
fsr-3265	104	8	funds	fund	NOUN
fsr-3265	104	9	in	in	ADP
fsr-3265	104	10	the	the	DET
fsr-3265	104	11	marketplace	marketplace	NOUN
fsr-3265	104	12	,	,	PUNCT
fsr-3265	104	13	but	but	CCONJ
fsr-3265	104	14	actual	actual	ADJ
fsr-3265	104	15	fund	fund	NOUN
fsr-3265	104	16	names	name	NOUN
fsr-3265	104	17	including	include	VERB
fsr-3265	104	18	fund	fund	NOUN
fsr-3265	104	19	family	family	NOUN
fsr-3265	104	20	names	name	NOUN
fsr-3265	104	21	were	be	AUX
fsr-3265	104	22	not	not	PART
fsr-3265	104	23	disclosed	disclose	VERB
fsr-3265	104	24	in	in	ADP
fsr-3265	104	25	the	the	DET
fsr-3265	104	26	brochure	brochure	NOUN
fsr-3265	104	27	to	to	PART
fsr-3265	104	28	prevent	prevent	VERB
fsr-3265	104	29	respondents	respondent	NOUN
fsr-3265	104	30	from	from	ADP
fsr-3265	104	31	selecting	select	VERB
fsr-3265	104	32	a	a	DET
fsr-3265	104	33	fund	fund	NOUN
fsr-3265	104	34	only	only	ADV
fsr-3265	104	35	because	because	SCONJ
fsr-3265	104	36	of	of	ADP
fsr-3265	104	37	their	their	PRON
fsr-3265	104	38	familiarity	familiarity	NOUN
fsr-3265	104	39	with	with	ADP
fsr-3265	104	40	fund	fund	NOUN
fsr-3265	104	41	family	family	NOUN
fsr-3265	104	42	names	name	NOUN
fsr-3265	104	43	.	.	PUNCT
fsr-3265	105	1	table	table	NOUN
fsr-3265	105	2	1	1	NUM
fsr-3265	105	3	summarizes	summarize	NOUN
fsr-3265	105	4	fund	fund	NOUN
fsr-3265	105	5	information	information	NOUN
fsr-3265	105	6	provided	provide	VERB
fsr-3265	105	7	for	for	ADP
fsr-3265	105	8	survey	survey	NOUN
fsr-3265	105	9	participants	participant	NOUN
fsr-3265	105	10	.	.	PUNCT
fsr-3265	106	1	respondents	respondent	NOUN
fsr-3265	106	2	were	be	AUX
fsr-3265	106	3	asked	ask	VERB
fsr-3265	106	4	to	to	PART
fsr-3265	106	5	use	use	VERB
fsr-3265	106	6	the	the	DET
fsr-3265	106	7	fund	fund	NOUN
fsr-3265	106	8	information	information	NOUN
fsr-3265	106	9	and	and	CCONJ
fsr-3265	106	10	allocate	allocate	VERB
fsr-3265	106	11	their	their	PRON
fsr-3265	106	12	contributions	contribution	NOUN
fsr-3265	106	13	as	as	ADP
fsr-3265	106	14	a	a	DET
fsr-3265	106	15	percentage	percentage	NOUN
fsr-3265	106	16	to	to	ADP
fsr-3265	106	17	each	each	DET
fsr-3265	106	18	fund	fund	NOUN
fsr-3265	106	19	up	up	ADP
fsr-3265	106	20	to	to	ADP
fsr-3265	106	21	the	the	DET
fsr-3265	106	22	total	total	ADJ
fsr-3265	106	23	contribution	contribution	NOUN
fsr-3265	106	24	of	of	ADP
fsr-3265	106	25	100	100	NUM
fsr-3265	106	26	%	%	NOUN
fsr-3265	106	27	.	.	PUNCT
fsr-3265	107	1	3.1.2	3.1.2	X
fsr-3265	107	2	.	.	PUNCT
fsr-3265	107	3	model	model	NOUN
fsr-3265	107	4	specification	specification	NOUN
fsr-3265	107	5	to	to	PART
fsr-3265	107	6	reflect	reflect	VERB
fsr-3265	107	7	respondents	respondent	NOUN
fsr-3265	107	8	’	'	PUNCT
fsr-3265	107	9	sequential	sequential	ADJ
fsr-3265	107	10	investment	investment	NOUN
fsr-3265	107	11	decisions	decision	NOUN
fsr-3265	107	12	,	,	PUNCT
fsr-3265	107	13	we	we	PRON
fsr-3265	107	14	estimate	estimate	VERB
fsr-3265	107	15	the	the	DET
fsr-3265	107	16	following	follow	VERB
fsr-3265	107	17	heckman	heckman	PROPN
fsr-3265	107	18	two	two	NUM
fsr-3265	107	19	-	-	PUNCT
fsr-3265	107	20	stage	stage	NOUN
fsr-3265	107	21	selection	selection	NOUN
fsr-3265	107	22	model	model	NOUN
fsr-3265	107	23	:	:	PUNCT
fsr-3265	107	24	83y	83y	NUM
fsr-3265	107	25	.	.	PUNCT
fsr-3265	108	1	chung	chung	PROPN
fsr-3265	108	2	,	,	PUNCT
fsr-3265	108	3	y.	y.	PROPN
fsr-3265	108	4	park	park	PROPN
fsr-3265	108	5	/	/	SYM
fsr-3265	108	6	financial	financial	ADJ
fsr-3265	108	7	services	service	NOUN
fsr-3265	108	8	review	review	VERB
fsr-3265	108	9	24	24	NUM
fsr-3265	108	10	(	(	PUNCT
fsr-3265	108	11	2015	2015	NUM
fsr-3265	108	12	)	)	PUNCT
fsr-3265	108	13	77–99	77–99	NUM
fsr-3265	108	14	selection	selection	NOUN
fsr-3265	108	15	:	:	PUNCT
fsr-3265	108	16	s*i	s*i	PROPN
fsr-3265	108	17	�	�	PROPN
fsr-3265	108	18	�	�	PROPN
fsr-3265	108	19	0	0	PROPN
fsr-3265	108	20	�	�	PROPN
fsr-3265	108	21	�	�	PROPN
fsr-3265	108	22	1fli	1fli	PROPN
fsr-3265	108	23	�	�	PROPN
fsr-3265	108	24	�	�	PROPN
fsr-3265	108	25	2fni	2fni	PROPN
fsr-3265	108	26	�	�	PROPN
fsr-3265	108	27	�	�	PROPN
fsr-3265	108	28	3	3	NUM
fsr-3265	108	29	�	�	PROPN
fsr-3265	108	30	flifni	flifni	PROPN
fsr-3265	108	31	�	�	PROPN
fsr-3265	108	32	�	�	PROPN
fsr-3265	108	33	�	�	PROPN
fsr-3265	108	34	4zi	4zi	PROPN
fsr-3265	108	35	�	�	PROPN
fsr-3265	108	36	ui	ui	PROPN
fsr-3265	108	37	(	(	PUNCT
fsr-3265	108	38	1	1	X
fsr-3265	108	39	)	)	PUNCT
fsr-3265	108	40	si	si	PROPN
fsr-3265	108	41	�	�	PROPN
fsr-3265	108	42	1	1	NUM
fsr-3265	108	43	if	if	SCONJ
fsr-3265	108	44	s*i	s*i	PROPN
fsr-3265	108	45	�	�	PROPN
fsr-3265	108	46	0	0	NUM
fsr-3265	108	47	and	and	CCONJ
fsr-3265	108	48	si	si	PROPN
fsr-3265	108	49	�	�	PROPN
fsr-3265	108	50	0	0	PUNCT
fsr-3265	108	51	if	if	SCONJ
fsr-3265	108	52	s*i	s*i	PROPN
fsr-3265	108	53	�	�	PROPN
fsr-3265	108	54	0	0	NUM
fsr-3265	108	55	stock	stock	NOUN
fsr-3265	108	56	allocation	allocation	NOUN
fsr-3265	108	57	:	:	PUNCT
fsr-3265	108	58	yi	yi	PROPN
fsr-3265	108	59	�	�	PROPN
fsr-3265	108	60	�	�	PROPN
fsr-3265	108	61	0	0	PROPN
fsr-3265	108	62	�	�	PROPN
fsr-3265	108	63	�	�	PROPN
fsr-3265	108	64	1fli	1fli	PROPN
fsr-3265	108	65	�	�	PROPN
fsr-3265	108	66	�	�	PROPN
fsr-3265	108	67	2fni	2fni	PROPN
fsr-3265	108	68	�	�	PROPN
fsr-3265	108	69	�	�	PROPN
fsr-3265	108	70	3	3	NUM
fsr-3265	108	71	�	�	PROPN
fsr-3265	108	72	flifni	flifni	PROPN
fsr-3265	108	73	�	�	PROPN
fsr-3265	108	74	�	�	PROPN
fsr-3265	108	75	�	�	PROPN
fsr-3265	108	76	4wi	4wi	PROPN
fsr-3265	108	77	�	�	PROPN
fsr-3265	108	78	�	�	PROPN
fsr-3265	108	79	i	i	PRON
fsr-3265	108	80	(	(	PUNCT
fsr-3265	108	81	2	2	X
fsr-3265	108	82	)	)	PUNCT
fsr-3265	108	83	we	we	PRON
fsr-3265	108	84	use	use	VERB
fsr-3265	108	85	the	the	DET
fsr-3265	108	86	heckman	heckman	PROPN
fsr-3265	108	87	two	two	NUM
fsr-3265	108	88	-	-	PUNCT
fsr-3265	108	89	stage	stage	NOUN
fsr-3265	108	90	selection	selection	NOUN
fsr-3265	108	91	model	model	NOUN
fsr-3265	108	92	because	because	SCONJ
fsr-3265	108	93	the	the	DET
fsr-3265	108	94	two	two	NUM
fsr-3265	108	95	-	-	PUNCT
fsr-3265	108	96	stage	stage	NOUN
fsr-3265	108	97	selection	selection	NOUN
fsr-3265	108	98	model	model	NOUN
fsr-3265	108	99	would	would	AUX
fsr-3265	108	100	overcome	overcome	VERB
fsr-3265	108	101	a	a	DET
fsr-3265	108	102	potential	potential	ADJ
fsr-3265	108	103	selection	selection	NOUN
fsr-3265	108	104	bias	bias	NOUN
fsr-3265	108	105	problem	problem	NOUN
fsr-3265	108	106	that	that	SCONJ
fsr-3265	108	107	the	the	DET
fsr-3265	108	108	error	error	NOUN
fsr-3265	108	109	term	term	NOUN
fsr-3265	108	110	(	(	PUNCT
fsr-3265	108	111	�	�	NOUN
fsr-3265	108	112	i	i	NOUN
fsr-3265	108	113	)	)	PUNCT
fsr-3265	108	114	in	in	ADP
fsr-3265	108	115	eq	eq	ADP
fsr-3265	108	116	.	.	PUNCT
fsr-3265	108	117	(	(	PUNCT
fsr-3265	108	118	2	2	X
fsr-3265	108	119	)	)	PUNCT
fsr-3265	108	120	can	can	AUX
fsr-3265	108	121	be	be	AUX
fsr-3265	108	122	correlated	correlate	VERB
fsr-3265	108	123	with	with	ADP
fsr-3265	108	124	the	the	DET
fsr-3265	108	125	error	error	NOUN
fsr-3265	108	126	term	term	NOUN
fsr-3265	108	127	(	(	PUNCT
fsr-3265	108	128	ui	ui	NOUN
fsr-3265	108	129	)	)	PUNCT
fsr-3265	108	130	in	in	ADP
fsr-3265	108	131	eq	eq	ADP
fsr-3265	108	132	.	.	PUNCT
fsr-3265	109	1	(	(	PUNCT
fsr-3265	109	2	1	1	NUM
fsr-3265	109	3	)	)	PUNCT
fsr-3265	109	4	.	.	PUNCT
fsr-3265	110	1	in	in	ADP
fsr-3265	110	2	the	the	DET
fsr-3265	110	3	selection	selection	NOUN
fsr-3265	110	4	equation	equation	NOUN
fsr-3265	110	5	,	,	PUNCT
fsr-3265	110	6	the	the	DET
fsr-3265	110	7	dependent	dependent	ADJ
fsr-3265	110	8	variable	variable	NOUN
fsr-3265	110	9	(	(	PUNCT
fsr-3265	110	10	si	si	X
fsr-3265	110	11	)	)	PUNCT
fsr-3265	110	12	is	be	AUX
fsr-3265	110	13	a	a	DET
fsr-3265	110	14	dummy	dummy	NOUN
fsr-3265	110	15	,	,	PUNCT
fsr-3265	110	16	which	which	PRON
fsr-3265	110	17	indicates	indicate	VERB
fsr-3265	110	18	whether	whether	SCONJ
fsr-3265	110	19	individual	individual	ADJ
fsr-3265	110	20	i	i	PRON
fsr-3265	110	21	chooses	choose	VERB
fsr-3265	110	22	the	the	DET
fsr-3265	110	23	default	default	NOUN
fsr-3265	110	24	option	option	NOUN
fsr-3265	110	25	—	—	PUNCT
fsr-3265	110	26	that	that	ADV
fsr-3265	110	27	is	is	ADV
fsr-3265	110	28	,	,	PUNCT
fsr-3265	110	29	a	a	DET
fsr-3265	110	30	money	money	NOUN
fsr-3265	110	31	market	market	NOUN
fsr-3265	110	32	fund	fund	NOUN
fsr-3265	110	33	—	—	PUNCT
fsr-3265	110	34	or	or	CCONJ
fsr-3265	110	35	not	not	PART
fsr-3265	110	36	.	.	PUNCT
fsr-3265	111	1	if	if	SCONJ
fsr-3265	111	2	a	a	DET
fsr-3265	111	3	respondent	respondent	NOUN
fsr-3265	111	4	selects	select	NOUN
fsr-3265	111	5	“	"	PUNCT
fsr-3265	111	6	no	no	DET
fsr-3265	111	7	default	default	NOUN
fsr-3265	111	8	,	,	PUNCT
fsr-3265	111	9	”	"	PUNCT
fsr-3265	111	10	the	the	DET
fsr-3265	111	11	variable	variable	NOUN
fsr-3265	111	12	takes	take	VERB
fsr-3265	111	13	a	a	DET
fsr-3265	111	14	value	value	NOUN
fsr-3265	111	15	of	of	ADP
fsr-3265	111	16	1	1	NUM
fsr-3265	111	17	and	and	CCONJ
fsr-3265	111	18	otherwise	otherwise	ADV
fsr-3265	111	19	0	0	X
fsr-3265	111	20	.	.	PUNCT
fsr-3265	112	1	in	in	ADP
fsr-3265	112	2	the	the	DET
fsr-3265	112	3	stock	stock	NOUN
fsr-3265	112	4	allocation	allocation	NOUN
fsr-3265	112	5	equation	equation	NOUN
fsr-3265	112	6	,	,	PUNCT
fsr-3265	112	7	the	the	DET
fsr-3265	112	8	dependent	dependent	ADJ
fsr-3265	112	9	variable	variable	NOUN
fsr-3265	112	10	(	(	PUNCT
fsr-3265	112	11	yi	yi	NOUN
fsr-3265	112	12	)	)	PUNCT
fsr-3265	112	13	indicates	indicate	VERB
fsr-3265	112	14	individual	individual	ADJ
fsr-3265	112	15	i	i	PROPN
fsr-3265	112	16	’s	’	VERB
fsr-3265	112	17	contribution	contribution	NOUN
fsr-3265	112	18	allocation	allocation	NOUN
fsr-3265	112	19	to	to	ADP
fsr-3265	112	20	stock	stock	NOUN
fsr-3265	112	21	funds	fund	NOUN
fsr-3265	112	22	as	as	ADP
fsr-3265	112	23	a	a	DET
fsr-3265	112	24	percentage	percentage	NOUN
fsr-3265	112	25	.	.	PUNCT
fsr-3265	113	1	stock	stock	NOUN
fsr-3265	113	2	allocation	allocation	NOUN
fsr-3265	113	3	(	(	PUNCT
fsr-3265	113	4	yi	yi	NOUN
fsr-3265	113	5	)	)	PUNCT
fsr-3265	113	6	is	be	AUX
fsr-3265	113	7	calculated	calculate	VERB
fsr-3265	113	8	by	by	ADP
fsr-3265	113	9	summing	sum	VERB
fsr-3265	113	10	respondent	respondent	NOUN
fsr-3265	113	11	i	i	PRON
fsr-3265	113	12	’s	’s	PART
fsr-3265	113	13	contribution	contribution	NOUN
fsr-3265	113	14	allocations	allocation	NOUN
fsr-3265	113	15	to	to	ADP
fsr-3265	113	16	domestic	domestic	ADJ
fsr-3265	113	17	and	and	CCONJ
fsr-3265	113	18	international	international	ADJ
fsr-3265	113	19	stock	stock	NOUN
fsr-3265	113	20	funds	fund	NOUN
fsr-3265	113	21	as	as	ADP
fsr-3265	113	22	a	a	DET
fsr-3265	113	23	percentage	percentage	NOUN
fsr-3265	113	24	.	.	PUNCT
fsr-3265	114	1	as	as	ADP
fsr-3265	114	2	key	key	ADJ
fsr-3265	114	3	independent	independent	ADJ
fsr-3265	114	4	variables	variable	NOUN
fsr-3265	114	5	,	,	PUNCT
fsr-3265	114	6	the	the	DET
fsr-3265	114	7	model	model	NOUN
fsr-3265	114	8	includes	include	VERB
fsr-3265	114	9	fli	fli	NOUN
fsr-3265	114	10	and	and	CCONJ
fsr-3265	114	11	fni	fni	PROPN
fsr-3265	114	12	,	,	PUNCT
fsr-3265	114	13	which	which	PRON
fsr-3265	114	14	indicate	indicate	VERB
fsr-3265	114	15	individual	individual	ADJ
fsr-3265	114	16	i	i	PRON
fsr-3265	114	17	’s	’	VERB
fsr-3265	114	18	financial	financial	ADJ
fsr-3265	114	19	literacy	literacy	NOUN
fsr-3265	114	20	and	and	CCONJ
fsr-3265	114	21	financial	financial	ADJ
fsr-3265	114	22	network	network	NOUN
fsr-3265	114	23	intensity	intensity	NOUN
fsr-3265	114	24	,	,	PUNCT
fsr-3265	114	25	respectively	respectively	ADV
fsr-3265	114	26	,	,	PUNCT
fsr-3265	114	27	and	and	CCONJ
fsr-3265	114	28	their	their	PRON
fsr-3265	114	29	interaction	interaction	NOUN
fsr-3265	114	30	term	term	NOUN
fsr-3265	114	31	(	(	PUNCT
fsr-3265	114	32	flifni	flifni	PROPN
fsr-3265	114	33	)	)	PUNCT
fsr-3265	114	34	.	.	PUNCT
fsr-3265	115	1	zi	zi	NOUN
fsr-3265	115	2	and	and	CCONJ
fsr-3265	115	3	wi	wi	PROPN
fsr-3265	115	4	indicate	indicate	VERB
fsr-3265	115	5	a	a	DET
fsr-3265	115	6	set	set	NOUN
fsr-3265	115	7	of	of	ADP
fsr-3265	115	8	control	control	NOUN
fsr-3265	115	9	variables	variable	NOUN
fsr-3265	115	10	for	for	ADP
fsr-3265	115	11	the	the	DET
fsr-3265	115	12	selection	selection	NOUN
fsr-3265	115	13	equation	equation	NOUN
fsr-3265	115	14	and	and	CCONJ
fsr-3265	115	15	the	the	DET
fsr-3265	115	16	stock	stock	NOUN
fsr-3265	115	17	allocation	allocation	NOUN
fsr-3265	115	18	equation	equation	NOUN
fsr-3265	115	19	,	,	PUNCT
fsr-3265	115	20	respectively	respectively	ADV
fsr-3265	115	21	.	.	PUNCT
fsr-3265	116	1	3.1.3	3.1.3	NUM
fsr-3265	116	2	.	.	PUNCT
fsr-3265	116	3	financial	financial	ADJ
fsr-3265	116	4	literacy	literacy	NOUN
fsr-3265	116	5	to	to	PART
fsr-3265	116	6	measure	measure	VERB
fsr-3265	116	7	an	an	DET
fsr-3265	116	8	individual	individual	NOUN
fsr-3265	116	9	’s	’s	PART
fsr-3265	116	10	financial	financial	ADJ
fsr-3265	116	11	literacy	literacy	NOUN
fsr-3265	116	12	,	,	PUNCT
fsr-3265	116	13	first	first	ADV
fsr-3265	116	14	,	,	PUNCT
fsr-3265	116	15	we	we	PRON
fsr-3265	116	16	assume	assume	VERB
fsr-3265	116	17	that	that	SCONJ
fsr-3265	116	18	financial	financial	ADJ
fsr-3265	116	19	literacy	literacy	NOUN
fsr-3265	116	20	can	can	AUX
fsr-3265	116	21	be	be	AUX
fsr-3265	116	22	captured	capture	VERB
fsr-3265	116	23	by	by	ADP
fsr-3265	116	24	a	a	DET
fsr-3265	116	25	level	level	NOUN
fsr-3265	116	26	of	of	ADP
fsr-3265	116	27	financial	financial	ADJ
fsr-3265	116	28	knowledge	knowledge	NOUN
fsr-3265	116	29	,	,	PUNCT
fsr-3265	116	30	following	follow	VERB
fsr-3265	116	31	prior	prior	ADJ
fsr-3265	116	32	studies	study	NOUN
fsr-3265	116	33	on	on	ADP
fsr-3265	116	34	financial	financial	ADJ
fsr-3265	116	35	literacy	literacy	NOUN
fsr-3265	116	36	(	(	PUNCT
fsr-3265	116	37	e.g.	e.g.	ADV
fsr-3265	116	38	,	,	PUNCT
fsr-3265	116	39	alhenawi	alhenawi	NOUN
fsr-3265	116	40	and	and	CCONJ
fsr-3265	116	41	elkhal	elkhal	VERB
fsr-3265	116	42	,	,	PUNCT
fsr-3265	116	43	2013	2013	NUM
fsr-3265	116	44	;	;	PUNCT
fsr-3265	116	45	collins	collin	NOUN
fsr-3265	116	46	,	,	PUNCT
fsr-3265	116	47	2012	2012	NUM
fsr-3265	116	48	;	;	PUNCT
fsr-3265	117	1	hilgert	hilgert	PROPN
fsr-3265	117	2	et	et	PROPN
fsr-3265	117	3	al	al	PROPN
fsr-3265	117	4	.	.	PROPN
fsr-3265	117	5	,	,	PUNCT
fsr-3265	117	6	2003	2003	NUM
fsr-3265	117	7	;	;	PUNCT
fsr-3265	117	8	lusardi	lusardi	NOUN
fsr-3265	117	9	and	and	CCONJ
fsr-3265	117	10	mitchell	mitchell	PROPN
fsr-3265	117	11	,	,	PUNCT
fsr-3265	117	12	table	table	NOUN
fsr-3265	117	13	1	1	NUM
fsr-3265	117	14	summary	summary	NOUN
fsr-3265	117	15	fund	fund	NOUN
fsr-3265	117	16	information	information	NOUN
fsr-3265	117	17	provided	provide	VERB
fsr-3265	117	18	for	for	ADP
fsr-3265	117	19	survey	survey	NOUN
fsr-3265	117	20	participants	participant	NOUN
fsr-3265	117	21	fund	fund	NOUN
fsr-3265	117	22	types	type	NOUN
fsr-3265	117	23	1	1	NUM
fsr-3265	117	24	.	.	X
fsr-3265	117	25	money	money	NOUN
fsr-3265	117	26	market	market	NOUN
fsr-3265	117	27	fund	fund	NOUN
fsr-3265	117	28	(	(	PUNCT
fsr-3265	117	29	designated	designate	VERB
fsr-3265	117	30	as	as	ADP
fsr-3265	117	31	a	a	DET
fsr-3265	117	32	default	default	NOUN
fsr-3265	117	33	investment	investment	NOUN
fsr-3265	117	34	option	option	NOUN
fsr-3265	117	35	)	)	PUNCT
fsr-3265	117	36	2	2	NUM
fsr-3265	117	37	.	.	X
fsr-3265	117	38	small	small	ADJ
fsr-3265	117	39	-	-	PUNCT
fsr-3265	117	40	cap	cap	NOUN
fsr-3265	117	41	growth	growth	NOUN
fsr-3265	117	42	fund	fund	NOUN
fsr-3265	117	43	3	3	NUM
fsr-3265	117	44	.	.	PUNCT
fsr-3265	118	1	mid	mid	ADJ
fsr-3265	118	2	-	-	NOUN
fsr-3265	118	3	cap	cap	NOUN
fsr-3265	118	4	blend	blend	PROPN
fsr-3265	118	5	fund	fund	PROPN
fsr-3265	118	6	4	4	NUM
fsr-3265	118	7	.	.	PUNCT
fsr-3265	118	8	large	large	ADJ
fsr-3265	118	9	-	-	PUNCT
fsr-3265	118	10	cap	cap	NOUN
fsr-3265	118	11	value	value	NOUN
fsr-3265	118	12	fund	fund	NOUN
fsr-3265	118	13	5	5	NUM
fsr-3265	118	14	.	.	PUNCT
fsr-3265	118	15	large	large	ADJ
fsr-3265	118	16	-	-	PUNCT
fsr-3265	118	17	cap	cap	NOUN
fsr-3265	118	18	growth	growth	NOUN
fsr-3265	118	19	fund	fund	NOUN
fsr-3265	118	20	6	6	NUM
fsr-3265	118	21	.	.	PUNCT
fsr-3265	119	1	foreign	foreign	ADJ
fsr-3265	119	2	small	small	ADJ
fsr-3265	119	3	/	/	SYM
fsr-3265	119	4	mid	mid	ADJ
fsr-3265	119	5	-	-	NOUN
fsr-3265	119	6	cap	cap	NOUN
fsr-3265	119	7	blend	blend	NOUN
fsr-3265	119	8	fund	fund	PROPN
fsr-3265	119	9	7	7	NUM
fsr-3265	119	10	.	.	PUNCT
fsr-3265	120	1	foreign	foreign	ADJ
fsr-3265	120	2	large	large	ADJ
fsr-3265	120	3	-	-	PUNCT
fsr-3265	120	4	cap	cap	NOUN
fsr-3265	120	5	value	value	NOUN
fsr-3265	120	6	fund	fund	NOUN
fsr-3265	120	7	8	8	NUM
fsr-3265	120	8	.	.	PUNCT
fsr-3265	120	9	short	short	ADJ
fsr-3265	120	10	-	-	PUNCT
fsr-3265	120	11	term	term	NOUN
fsr-3265	120	12	bond	bond	NOUN
fsr-3265	120	13	fund	fund	NOUN
fsr-3265	120	14	9	9	NUM
fsr-3265	120	15	.	.	PUNCT
fsr-3265	120	16	intermediate	intermediate	ADJ
fsr-3265	120	17	-	-	PUNCT
fsr-3265	120	18	term	term	NOUN
fsr-3265	120	19	bond	bond	NOUN
fsr-3265	120	20	fund	fund	NOUN
fsr-3265	120	21	10	10	NUM
fsr-3265	120	22	.	.	PUNCT
fsr-3265	121	1	inflation	inflation	NOUN
fsr-3265	121	2	-	-	PUNCT
fsr-3265	121	3	protected	protect	VERB
fsr-3265	121	4	bond	bond	NOUN
fsr-3265	121	5	fund	fund	NOUN
fsr-3265	121	6	fund	fund	NOUN
fsr-3265	121	7	information	information	NOUN
fsr-3265	121	8	1	1	X
fsr-3265	121	9	.	.	PUNCT
fsr-3265	122	1	investment	investment	NOUN
fsr-3265	122	2	objective	objective	ADJ
fsr-3265	122	3	2	2	NUM
fsr-3265	122	4	.	.	PUNCT
fsr-3265	122	5	principal	principal	ADJ
fsr-3265	122	6	investment	investment	NOUN
fsr-3265	122	7	strategies	strategy	NOUN
fsr-3265	122	8	3	3	NUM
fsr-3265	122	9	.	.	PUNCT
fsr-3265	122	10	principal	principal	ADJ
fsr-3265	122	11	investment	investment	NOUN
fsr-3265	122	12	risks	risk	VERB
fsr-3265	122	13	4	4	NUM
fsr-3265	122	14	.	.	PUNCT
fsr-3265	122	15	annual	annual	ADJ
fsr-3265	122	16	expense	expense	NOUN
fsr-3265	122	17	ratio	ratio	NOUN
fsr-3265	122	18	5	5	NUM
fsr-3265	122	19	.	.	PUNCT
fsr-3265	122	20	return	return	NOUN
fsr-3265	122	21	and	and	CCONJ
fsr-3265	122	22	risk	risk	NOUN
fsr-3265	122	23	a.	a.	NOUN
fsr-3265	122	24	three	three	NUM
fsr-3265	122	25	-	-	PUNCT
fsr-3265	122	26	year	year	NOUN
fsr-3265	122	27	average	average	ADJ
fsr-3265	122	28	return	return	NOUN
fsr-3265	122	29	,	,	PUNCT
fsr-3265	122	30	sd	sd	NOUN
fsr-3265	122	31	,	,	PUNCT
fsr-3265	122	32	and	and	CCONJ
fsr-3265	122	33	sharpe	sharpe	PROPN
fsr-3265	122	34	ratio	ratio	PROPN
fsr-3265	122	35	b.	b.	PROPN
fsr-3265	122	36	five	five	NUM
fsr-3265	122	37	-	-	PUNCT
fsr-3265	122	38	year	year	NOUN
fsr-3265	122	39	average	average	ADJ
fsr-3265	122	40	return	return	NOUN
fsr-3265	122	41	,	,	PUNCT
fsr-3265	122	42	sd	sd	NOUN
fsr-3265	122	43	,	,	PUNCT
fsr-3265	122	44	and	and	CCONJ
fsr-3265	122	45	sharpe	sharpe	PROPN
fsr-3265	122	46	ratio	ratio	PROPN
fsr-3265	122	47	6	6	NUM
fsr-3265	122	48	.	.	NOUN
fsr-3265	122	49	10	10	NUM
fsr-3265	122	50	-	-	PUNCT
fsr-3265	122	51	year	year	NOUN
fsr-3265	122	52	total	total	ADJ
fsr-3265	122	53	annual	annual	ADJ
fsr-3265	122	54	returns	return	NOUN
fsr-3265	122	55	(	(	PUNCT
fsr-3265	122	56	a	a	DET
fsr-3265	122	57	bar	bar	NOUN
fsr-3265	122	58	graph	graph	NOUN
fsr-3265	122	59	including	include	VERB
fsr-3265	122	60	data	datum	NOUN
fsr-3265	122	61	labels	label	NOUN
fsr-3265	122	62	)	)	PUNCT
fsr-3265	122	63	notes	note	VERB
fsr-3265	122	64	:	:	PUNCT
fsr-3265	122	65	the	the	DET
fsr-3265	122	66	information	information	NOUN
fsr-3265	122	67	for	for	ADP
fsr-3265	122	68	ten	ten	NUM
fsr-3265	122	69	funds	fund	NOUN
fsr-3265	122	70	was	be	AUX
fsr-3265	122	71	provided	provide	VERB
fsr-3265	122	72	in	in	ADP
fsr-3265	122	73	a	a	DET
fsr-3265	122	74	separate	separate	ADJ
fsr-3265	122	75	brochure	brochure	NOUN
fsr-3265	122	76	so	so	SCONJ
fsr-3265	122	77	that	that	SCONJ
fsr-3265	122	78	survey	survey	NOUN
fsr-3265	122	79	participants	participant	NOUN
fsr-3265	122	80	could	could	AUX
fsr-3265	122	81	compare	compare	VERB
fsr-3265	122	82	investment	investment	NOUN
fsr-3265	122	83	objectives	objective	NOUN
fsr-3265	122	84	,	,	PUNCT
fsr-3265	122	85	strategies	strategy	NOUN
fsr-3265	122	86	,	,	PUNCT
fsr-3265	122	87	expenses	expense	NOUN
fsr-3265	122	88	,	,	PUNCT
fsr-3265	122	89	risk	risk	NOUN
fsr-3265	122	90	and	and	CCONJ
fsr-3265	122	91	return	return	NOUN
fsr-3265	122	92	,	,	PUNCT
fsr-3265	122	93	and	and	CCONJ
fsr-3265	122	94	the	the	DET
fsr-3265	122	95	performance	performance	NOUN
fsr-3265	122	96	of	of	ADP
fsr-3265	122	97	the	the	DET
fsr-3265	122	98	funds	fund	NOUN
fsr-3265	122	99	.	.	PUNCT
fsr-3265	123	1	the	the	DET
fsr-3265	123	2	fund	fund	NOUN
fsr-3265	123	3	information	information	NOUN
fsr-3265	123	4	was	be	AUX
fsr-3265	123	5	provided	provide	VERB
fsr-3265	123	6	using	use	VERB
fsr-3265	123	7	actual	actual	ADJ
fsr-3265	123	8	funds	fund	NOUN
fsr-3265	123	9	in	in	ADP
fsr-3265	123	10	the	the	DET
fsr-3265	123	11	marketplace	marketplace	NOUN
fsr-3265	123	12	,	,	PUNCT
fsr-3265	123	13	but	but	CCONJ
fsr-3265	123	14	actual	actual	ADJ
fsr-3265	123	15	fund	fund	NOUN
fsr-3265	123	16	names	name	NOUN
fsr-3265	123	17	including	include	VERB
fsr-3265	123	18	fund	fund	NOUN
fsr-3265	123	19	family	family	NOUN
fsr-3265	123	20	names	name	NOUN
fsr-3265	123	21	were	be	AUX
fsr-3265	123	22	not	not	PART
fsr-3265	123	23	disclosed	disclose	VERB
fsr-3265	123	24	in	in	ADP
fsr-3265	123	25	the	the	DET
fsr-3265	123	26	brochure	brochure	NOUN
fsr-3265	123	27	to	to	PART
fsr-3265	123	28	prevent	prevent	VERB
fsr-3265	123	29	respondents	respondent	NOUN
fsr-3265	123	30	from	from	ADP
fsr-3265	123	31	selecting	select	VERB
fsr-3265	123	32	a	a	DET
fsr-3265	123	33	fund	fund	NOUN
fsr-3265	123	34	due	due	ADP
fsr-3265	123	35	to	to	ADP
fsr-3265	123	36	family	family	NOUN
fsr-3265	123	37	names	name	NOUN
fsr-3265	123	38	.	.	PUNCT
fsr-3265	124	1	84	84	NUM
fsr-3265	124	2	y.	y.	PROPN
fsr-3265	124	3	chung	chung	PROPN
fsr-3265	124	4	,	,	PUNCT
fsr-3265	124	5	y.	y.	PROPN
fsr-3265	124	6	park	park	PROPN
fsr-3265	124	7	/	/	SYM
fsr-3265	124	8	financial	financial	ADJ
fsr-3265	124	9	services	service	NOUN
fsr-3265	124	10	review	review	VERB
fsr-3265	124	11	24	24	NUM
fsr-3265	124	12	(	(	PUNCT
fsr-3265	124	13	2015	2015	NUM
fsr-3265	124	14	)	)	PUNCT
fsr-3265	124	15	77–99	77–99	NUM
fsr-3265	124	16	2007a	2007a	NUM
fsr-3265	124	17	)	)	PUNCT
fsr-3265	124	18	.	.	PUNCT
fsr-3265	125	1	next	next	ADV
fsr-3265	125	2	,	,	PUNCT
fsr-3265	125	3	to	to	PART
fsr-3265	125	4	evaluate	evaluate	VERB
fsr-3265	125	5	respondents	respondent	NOUN
fsr-3265	125	6	’	'	PUNCT
fsr-3265	125	7	financial	financial	ADJ
fsr-3265	125	8	knowledge	knowledge	NOUN
fsr-3265	125	9	,	,	PUNCT
fsr-3265	125	10	we	we	PRON
fsr-3265	125	11	use	use	VERB
fsr-3265	125	12	a	a	DET
fsr-3265	125	13	battery	battery	NOUN
fsr-3265	125	14	of	of	ADP
fsr-3265	125	15	five	five	NUM
fsr-3265	125	16	questions	question	NOUN
fsr-3265	125	17	from	from	ADP
fsr-3265	125	18	the	the	DET
fsr-3265	125	19	national	national	ADJ
fsr-3265	125	20	financial	financial	ADJ
fsr-3265	125	21	capability	capability	NOUN
fsr-3265	125	22	study	study	NOUN
fsr-3265	125	23	supported	support	VERB
fsr-3265	125	24	by	by	ADP
fsr-3265	125	25	the	the	DET
fsr-3265	125	26	finra	finra	PROPN
fsr-3265	125	27	investor	investor	PROPN
fsr-3265	125	28	education	education	PROPN
fsr-3265	125	29	foundation	foundation	PROPN
fsr-3265	125	30	.	.	PUNCT
fsr-3265	126	1	these	these	DET
fsr-3265	126	2	questions	question	NOUN
fsr-3265	126	3	cover	cover	VERB
fsr-3265	126	4	fundamental	fundamental	ADJ
fsr-3265	126	5	concepts	concept	NOUN
fsr-3265	126	6	of	of	ADP
fsr-3265	126	7	economics	economic	NOUN
fsr-3265	126	8	and	and	CCONJ
fsr-3265	126	9	finance	finance	NOUN
fsr-3265	126	10	,	,	PUNCT
fsr-3265	126	11	such	such	ADJ
fsr-3265	126	12	as	as	ADP
fsr-3265	126	13	calculations	calculation	NOUN
fsr-3265	126	14	about	about	ADP
fsr-3265	126	15	interest	interest	NOUN
fsr-3265	126	16	rates	rate	NOUN
fsr-3265	126	17	and	and	CCONJ
fsr-3265	126	18	inflation	inflation	NOUN
fsr-3265	126	19	,	,	PUNCT
fsr-3265	126	20	the	the	DET
fsr-3265	126	21	relationship	relationship	NOUN
fsr-3265	126	22	between	between	ADP
fsr-3265	126	23	interest	interest	NOUN
fsr-3265	126	24	rates	rate	NOUN
fsr-3265	126	25	and	and	CCONJ
fsr-3265	126	26	bond	bond	NOUN
fsr-3265	126	27	prices	price	NOUN
fsr-3265	126	28	,	,	PUNCT
fsr-3265	126	29	the	the	DET
fsr-3265	126	30	relationship	relationship	NOUN
fsr-3265	126	31	between	between	ADP
fsr-3265	126	32	interest	interest	NOUN
fsr-3265	126	33	payments	payment	NOUN
fsr-3265	126	34	and	and	CCONJ
fsr-3265	126	35	maturity	maturity	NOUN
fsr-3265	126	36	in	in	ADP
fsr-3265	126	37	mortgages	mortgage	NOUN
fsr-3265	126	38	,	,	PUNCT
fsr-3265	126	39	and	and	CCONJ
fsr-3265	126	40	risk	risk	VERB
fsr-3265	126	41	diversification.10	diversification.10	NOUN
fsr-3265	126	42	a	a	DET
fsr-3265	126	43	higher	high	ADJ
fsr-3265	126	44	score	score	NOUN
fsr-3265	126	45	indicates	indicate	VERB
fsr-3265	126	46	a	a	DET
fsr-3265	126	47	higher	high	ADJ
fsr-3265	126	48	level	level	NOUN
fsr-3265	126	49	of	of	ADP
fsr-3265	126	50	financial	financial	ADJ
fsr-3265	126	51	literacy	literacy	NOUN
fsr-3265	126	52	.	.	PUNCT
fsr-3265	127	1	3.1.4	3.1.4	NUM
fsr-3265	127	2	.	.	PUNCT
fsr-3265	127	3	financial	financial	ADJ
fsr-3265	127	4	network	network	NOUN
fsr-3265	127	5	intensity	intensity	NOUN
fsr-3265	127	6	following	follow	VERB
fsr-3265	127	7	chung	chung	PROPN
fsr-3265	127	8	and	and	CCONJ
fsr-3265	127	9	jackson	jackson	PROPN
fsr-3265	127	10	(	(	PUNCT
fsr-3265	127	11	2013	2013	NUM
fsr-3265	127	12	)	)	PUNCT
fsr-3265	127	13	and	and	CCONJ
fsr-3265	127	14	reinholt	reinholt	NOUN
fsr-3265	127	15	,	,	PUNCT
fsr-3265	127	16	pedersen	pedersen	NOUN
fsr-3265	127	17	,	,	PUNCT
fsr-3265	127	18	and	and	CCONJ
fsr-3265	127	19	foss	foss	PROPN
fsr-3265	127	20	(	(	PUNCT
fsr-3265	127	21	2011	2011	NUM
fsr-3265	127	22	)	)	PUNCT
fsr-3265	127	23	,	,	PUNCT
fsr-3265	127	24	we	we	PRON
fsr-3265	127	25	use	use	VERB
fsr-3265	127	26	an	an	DET
fsr-3265	127	27	egocentric	egocentric	ADJ
fsr-3265	127	28	network	network	NOUN
fsr-3265	127	29	technique	technique	NOUN
fsr-3265	127	30	to	to	PART
fsr-3265	127	31	assess	assess	VERB
fsr-3265	127	32	respondents	respondent	NOUN
fsr-3265	127	33	’	'	PUNCT
fsr-3265	127	34	financial	financial	ADJ
fsr-3265	127	35	network	network	NOUN
fsr-3265	127	36	intensity	intensity	NOUN
fsr-3265	127	37	.	.	PUNCT
fsr-3265	128	1	respondents	respondent	NOUN
fsr-3265	128	2	list	list	VERB
fsr-3265	128	3	the	the	DET
fsr-3265	128	4	first	first	ADJ
fsr-3265	128	5	and	and	CCONJ
fsr-3265	128	6	last	last	ADJ
fsr-3265	128	7	name	name	NOUN
fsr-3265	128	8	initials	initial	NOUN
fsr-3265	128	9	of	of	ADP
fsr-3265	128	10	up	up	ADP
fsr-3265	128	11	to	to	PART
fsr-3265	128	12	10	10	NUM
fsr-3265	128	13	people	people	NOUN
fsr-3265	128	14	(	(	PUNCT
fsr-3265	128	15	including	include	VERB
fsr-3265	128	16	spouse	spouse	NOUN
fsr-3265	128	17	/	/	SYM
fsr-3265	128	18	partner	partner	NOUN
fsr-3265	128	19	,	,	PUNCT
fsr-3265	128	20	parents	parent	NOUN
fsr-3265	128	21	,	,	PUNCT
fsr-3265	128	22	siblings	sibling	NOUN
fsr-3265	128	23	,	,	PUNCT
fsr-3265	128	24	relatives	relative	NOUN
fsr-3265	128	25	,	,	PUNCT
fsr-3265	128	26	friends	friend	NOUN
fsr-3265	128	27	,	,	PUNCT
fsr-3265	128	28	co	co	NOUN
fsr-3265	128	29	-	-	NOUN
fsr-3265	128	30	workers	worker	NOUN
fsr-3265	128	31	,	,	PUNCT
fsr-3265	128	32	financial	financial	ADJ
fsr-3265	128	33	planners	planner	NOUN
fsr-3265	128	34	or	or	CCONJ
fsr-3265	128	35	advisors	advisor	NOUN
fsr-3265	128	36	,	,	PUNCT
fsr-3265	128	37	and	and	CCONJ
fsr-3265	128	38	others	other	NOUN
fsr-3265	128	39	)	)	PUNCT
fsr-3265	128	40	who	who	PRON
fsr-3265	128	41	they	they	PRON
fsr-3265	128	42	believe	believe	VERB
fsr-3265	128	43	are	be	AUX
fsr-3265	128	44	most	most	ADV
fsr-3265	128	45	important	important	ADJ
fsr-3265	128	46	sources	source	NOUN
fsr-3265	128	47	to	to	ADP
fsr-3265	128	48	their	their	PRON
fsr-3265	128	49	financial	financial	ADJ
fsr-3265	128	50	or	or	CCONJ
fsr-3265	128	51	investment	investment	NOUN
fsr-3265	128	52	decisions	decision	NOUN
fsr-3265	128	53	.	.	PUNCT
fsr-3265	129	1	limiting	limit	VERB
fsr-3265	129	2	the	the	DET
fsr-3265	129	3	list	list	NOUN
fsr-3265	129	4	of	of	ADP
fsr-3265	129	5	possible	possible	ADJ
fsr-3265	129	6	contacts	contact	NOUN
fsr-3265	129	7	to	to	ADP
fsr-3265	129	8	10	10	NUM
fsr-3265	129	9	people	people	NOUN
fsr-3265	129	10	may	may	AUX
fsr-3265	129	11	not	not	PART
fsr-3265	129	12	allow	allow	VERB
fsr-3265	129	13	respondents	respondent	NOUN
fsr-3265	129	14	to	to	PART
fsr-3265	129	15	describe	describe	VERB
fsr-3265	129	16	their	their	PRON
fsr-3265	129	17	entire	entire	ADJ
fsr-3265	129	18	financial	financial	ADJ
fsr-3265	129	19	networks	network	NOUN
fsr-3265	129	20	,	,	PUNCT
fsr-3265	129	21	but	but	CCONJ
fsr-3265	129	22	constraining	constrain	VERB
fsr-3265	129	23	the	the	DET
fsr-3265	129	24	number	number	NOUN
fsr-3265	129	25	of	of	ADP
fsr-3265	129	26	contacts	contact	NOUN
fsr-3265	129	27	listed	list	VERB
fsr-3265	129	28	has	have	VERB
fsr-3265	129	29	the	the	DET
fsr-3265	129	30	benefit	benefit	NOUN
fsr-3265	129	31	of	of	ADP
fsr-3265	129	32	making	make	VERB
fsr-3265	129	33	data	datum	NOUN
fsr-3265	129	34	collection	collection	NOUN
fsr-3265	129	35	more	more	ADV
fsr-3265	129	36	feasible	feasible	ADJ
fsr-3265	129	37	(	(	PUNCT
fsr-3265	129	38	morrison	morrison	PROPN
fsr-3265	129	39	,	,	PUNCT
fsr-3265	129	40	2002	2002	NUM
fsr-3265	129	41	)	)	PUNCT
fsr-3265	129	42	.	.	PUNCT
fsr-3265	130	1	for	for	ADP
fsr-3265	130	2	each	each	DET
fsr-3265	130	3	person	person	NOUN
fsr-3265	130	4	in	in	ADP
fsr-3265	130	5	their	their	PRON
fsr-3265	130	6	network	network	NOUN
fsr-3265	130	7	,	,	PUNCT
fsr-3265	130	8	respondents	respondent	NOUN
fsr-3265	130	9	provide	provide	VERB
fsr-3265	130	10	scores	score	NOUN
fsr-3265	130	11	to	to	PART
fsr-3265	130	12	answer	answer	VERB
fsr-3265	130	13	two	two	NUM
fsr-3265	130	14	questions	question	NOUN
fsr-3265	130	15	:	:	PUNCT
fsr-3265	130	16	communication	communication	NOUN
fsr-3265	130	17	frequency	frequency	NOUN
fsr-3265	130	18	and	and	CCONJ
fsr-3265	130	19	a	a	DET
fsr-3265	130	20	level	level	NOUN
fsr-3265	130	21	of	of	ADP
fsr-3265	130	22	financial	financial	ADJ
fsr-3265	130	23	knowledge	knowledge	NOUN
fsr-3265	130	24	(	(	PUNCT
fsr-3265	130	25	see	see	VERB
fsr-3265	130	26	table	table	NOUN
fsr-3265	130	27	2	2	NUM
fsr-3265	130	28	)	)	PUNCT
fsr-3265	130	29	.	.	PUNCT
fsr-3265	131	1	using	use	VERB
fsr-3265	131	2	the	the	DET
fsr-3265	131	3	responses	response	NOUN
fsr-3265	131	4	to	to	ADP
fsr-3265	131	5	the	the	DET
fsr-3265	131	6	two	two	NUM
fsr-3265	131	7	questions	question	NOUN
fsr-3265	131	8	,	,	PUNCT
fsr-3265	131	9	we	we	PRON
fsr-3265	131	10	yield	yield	VERB
fsr-3265	131	11	an	an	DET
fsr-3265	131	12	individual	individual	NOUN
fsr-3265	131	13	’s	’s	PART
fsr-3265	131	14	financial	financial	ADJ
fsr-3265	131	15	network	network	NOUN
fsr-3265	131	16	intensity	intensity	NOUN
fsr-3265	131	17	measured	measure	VERB
fsr-3265	131	18	by	by	ADP
fsr-3265	131	19	communication	communication	NOUN
fsr-3265	131	20	frequency	frequency	NOUN
fsr-3265	131	21	with	with	ADP
fsr-3265	131	22	the	the	DET
fsr-3265	131	23	financially	financially	ADV
fsr-3265	131	24	literate	literate	ADJ
fsr-3265	131	25	in	in	ADP
fsr-3265	131	26	his	his	PRON
fsr-3265	131	27	or	or	CCONJ
fsr-3265	131	28	her	her	PRON
fsr-3265	131	29	financial	financial	ADJ
fsr-3265	131	30	networks	network	NOUN
fsr-3265	131	31	.	.	PUNCT
fsr-3265	132	1	we	we	PRON
fsr-3265	132	2	define	define	VERB
fsr-3265	132	3	individual	individual	ADJ
fsr-3265	132	4	i	i	PROPN
fsr-3265	132	5	’s	’s	PART
fsr-3265	132	6	financial	financial	ADJ
fsr-3265	132	7	network	network	NOUN
fsr-3265	132	8	intensity	intensity	NOUN
fsr-3265	132	9	(	(	PUNCT
fsr-3265	132	10	fni	fni	PROPN
fsr-3265	132	11	)	)	PUNCT
fsr-3265	132	12	as	as	SCONJ
fsr-3265	132	13	follows	follow	VERB
fsr-3265	132	14	:	:	PUNCT
fsr-3265	132	15	fni	fni	PROPN
fsr-3265	132	16	�	�	PROPN
fsr-3265	132	17	�	�	PROPN
fsr-3265	132	18	j	j	PROPN
fsr-3265	132	19	�	�	PROPN
fsr-3265	132	20	1	1	NUM
fsr-3265	132	21	j	j	PROPN
fsr-3265	132	22	�	�	PROPN
fsr-3265	132	23	cfreqij	cfreqij	PROPN
fsr-3265	132	24	�	�	PROPN
fsr-3265	132	25	nfkij	nfkij	PROPN
fsr-3265	132	26	�	�	PROPN
fsr-3265	132	27	maxzi	maxzi	PROPN
fsr-3265	132	28	for	for	ADP
fsr-3265	132	29	j	j	PROPN
fsr-3265	132	30	�	�	PROPN
fsr-3265	132	31	1	1	NUM
fsr-3265	132	32	,	,	PUNCT
fsr-3265	132	33	2	2	NUM
fsr-3265	132	34	,	,	PUNCT
fsr-3265	132	35	...	...	PUNCT
fsr-3265	132	36	,	,	PUNCT
fsr-3265	132	37	j	j	PROPN
fsr-3265	132	38	�	�	PROPN
fsr-3265	132	39	�	�	PROPN
fsr-3265	132	40	10	10	NUM
fsr-3265	132	41	�	�	PROPN
fsr-3265	132	42	(	(	PUNCT
fsr-3265	132	43	3	3	NUM
fsr-3265	132	44	)	)	PUNCT
fsr-3265	132	45	table	table	NOUN
fsr-3265	132	46	2	2	NUM
fsr-3265	132	47	summary	summary	NOUN
fsr-3265	132	48	of	of	ADP
fsr-3265	132	49	questions	question	NOUN
fsr-3265	132	50	for	for	ADP
fsr-3265	132	51	financial	financial	ADJ
fsr-3265	132	52	networks	network	NOUN
fsr-3265	132	53	question	question	VERB
fsr-3265	132	54	1	1	NUM
fsr-3265	132	55	.	.	PUNCT
fsr-3265	133	1	during	during	ADP
fsr-3265	133	2	the	the	DET
fsr-3265	133	3	five	five	NUM
fsr-3265	133	4	years	year	NOUN
fsr-3265	133	5	,	,	PUNCT
fsr-3265	133	6	how	how	SCONJ
fsr-3265	133	7	often	often	ADV
fsr-3265	133	8	have	have	AUX
fsr-3265	133	9	you	you	PRON
fsr-3265	133	10	talked	talk	VERB
fsr-3265	133	11	to	to	ADP
fsr-3265	133	12	each	each	DET
fsr-3265	133	13	person	person	NOUN
fsr-3265	133	14	to	to	PART
fsr-3265	133	15	acquire	acquire	VERB
fsr-3265	133	16	financial	financial	ADJ
fsr-3265	133	17	and/or	and/or	CCONJ
fsr-3265	133	18	investment	investment	NOUN
fsr-3265	133	19	information	information	NOUN
fsr-3265	133	20	?	?	PUNCT
fsr-3265	134	1	0	0	PUNCT
fsr-3265	134	2	�	�	PROPN
fsr-3265	134	3	never	never	ADV
fsr-3265	134	4	1	1	NUM
fsr-3265	134	5	�	�	PROPN
fsr-3265	134	6	once	once	ADV
fsr-3265	134	7	a	a	DET
fsr-3265	134	8	year	year	NOUN
fsr-3265	134	9	or	or	CCONJ
fsr-3265	134	10	less	less	ADJ
fsr-3265	134	11	2	2	NUM
fsr-3265	134	12	�	�	PROPN
fsr-3265	134	13	several	several	ADJ
fsr-3265	134	14	times	time	NOUN
fsr-3265	134	15	a	a	DET
fsr-3265	134	16	year	year	NOUN
fsr-3265	134	17	3	3	NUM
fsr-3265	134	18	�	�	PROPN
fsr-3265	134	19	once	once	ADV
fsr-3265	134	20	a	a	DET
fsr-3265	134	21	month	month	NOUN
fsr-3265	134	22	4	4	NUM
fsr-3265	134	23	�	�	PROPN
fsr-3265	134	24	2–3	2–3	NUM
fsr-3265	134	25	times	time	NOUN
fsr-3265	134	26	a	a	DET
fsr-3265	134	27	month	month	NOUN
fsr-3265	134	28	5	5	NUM
fsr-3265	134	29	�	�	PROPN
fsr-3265	134	30	once	once	ADV
fsr-3265	134	31	a	a	DET
fsr-3265	134	32	week	week	NOUN
fsr-3265	134	33	or	or	CCONJ
fsr-3265	134	34	more	more	ADJ
fsr-3265	134	35	question	question	NOUN
fsr-3265	134	36	2	2	NUM
fsr-3265	134	37	.	.	NOUN
fsr-3265	134	38	indicate	indicate	VERB
fsr-3265	134	39	to	to	PART
fsr-3265	134	40	what	what	DET
fsr-3265	134	41	extent	extent	NOUN
fsr-3265	134	42	each	each	DET
fsr-3265	134	43	person	person	NOUN
fsr-3265	134	44	has	have	VERB
fsr-3265	134	45	financial	financial	ADJ
fsr-3265	134	46	knowledge	knowledge	NOUN
fsr-3265	134	47	.	.	PUNCT
fsr-3265	135	1	1	1	NUM
fsr-3265	135	2	�	�	PROPN
fsr-3265	135	3	very	very	ADV
fsr-3265	135	4	little	little	ADJ
fsr-3265	135	5	2	2	NUM
fsr-3265	135	6	�	�	NOUN
fsr-3265	135	7	below	below	ADP
fsr-3265	135	8	average	average	ADJ
fsr-3265	135	9	3	3	NUM
fsr-3265	135	10	�	�	PROPN
fsr-3265	135	11	average	average	ADJ
fsr-3265	135	12	4	4	NUM
fsr-3265	135	13	�	�	NOUN
fsr-3265	135	14	above	above	ADP
fsr-3265	135	15	average	average	ADJ
fsr-3265	135	16	5	5	NUM
fsr-3265	135	17	�	�	NOUN
fsr-3265	135	18	very	very	ADV
fsr-3265	135	19	high	high	ADJ
fsr-3265	135	20	notes	note	NOUN
fsr-3265	135	21	:	:	PUNCT
fsr-3265	135	22	survey	survey	NOUN
fsr-3265	135	23	respondents	respondent	NOUN
fsr-3265	135	24	were	be	AUX
fsr-3265	135	25	asked	ask	VERB
fsr-3265	135	26	to	to	PART
fsr-3265	135	27	list	list	VERB
fsr-3265	135	28	the	the	DET
fsr-3265	135	29	first	first	ADJ
fsr-3265	135	30	and	and	CCONJ
fsr-3265	135	31	last	last	ADJ
fsr-3265	135	32	name	name	NOUN
fsr-3265	135	33	initials	initial	NOUN
fsr-3265	135	34	of	of	ADP
fsr-3265	135	35	up	up	ADP
fsr-3265	135	36	to	to	PART
fsr-3265	135	37	10	10	NUM
fsr-3265	135	38	people	people	NOUN
fsr-3265	135	39	(	(	PUNCT
fsr-3265	135	40	including	include	VERB
fsr-3265	135	41	spouse	spouse	NOUN
fsr-3265	135	42	/	/	SYM
fsr-3265	135	43	partner	partner	NOUN
fsr-3265	135	44	,	,	PUNCT
fsr-3265	135	45	parents	parent	NOUN
fsr-3265	135	46	,	,	PUNCT
fsr-3265	135	47	siblings	sibling	NOUN
fsr-3265	135	48	,	,	PUNCT
fsr-3265	135	49	relatives	relative	NOUN
fsr-3265	135	50	,	,	PUNCT
fsr-3265	135	51	friends	friend	NOUN
fsr-3265	135	52	,	,	PUNCT
fsr-3265	135	53	coworkers	coworker	NOUN
fsr-3265	135	54	,	,	PUNCT
fsr-3265	135	55	financial	financial	ADJ
fsr-3265	135	56	planners	planner	NOUN
fsr-3265	135	57	or	or	CCONJ
fsr-3265	135	58	advisors	advisor	NOUN
fsr-3265	135	59	,	,	PUNCT
fsr-3265	135	60	and	and	CCONJ
fsr-3265	135	61	others	other	NOUN
fsr-3265	135	62	)	)	PUNCT
fsr-3265	135	63	who	who	PRON
fsr-3265	135	64	they	they	PRON
fsr-3265	135	65	believe	believe	VERB
fsr-3265	135	66	are	be	AUX
fsr-3265	135	67	most	most	ADV
fsr-3265	135	68	important	important	ADJ
fsr-3265	135	69	to	to	ADP
fsr-3265	135	70	their	their	PRON
fsr-3265	135	71	financial	financial	ADJ
fsr-3265	135	72	or	or	CCONJ
fsr-3265	135	73	investment	investment	NOUN
fsr-3265	135	74	decisions	decision	NOUN
fsr-3265	135	75	.	.	PUNCT
fsr-3265	136	1	for	for	ADP
fsr-3265	136	2	each	each	DET
fsr-3265	136	3	person	person	NOUN
fsr-3265	136	4	respondents	respondent	NOUN
fsr-3265	136	5	listed	list	VERB
fsr-3265	136	6	,	,	PUNCT
fsr-3265	136	7	they	they	PRON
fsr-3265	136	8	were	be	AUX
fsr-3265	136	9	also	also	ADV
fsr-3265	136	10	asked	ask	VERB
fsr-3265	136	11	to	to	PART
fsr-3265	136	12	answer	answer	VERB
fsr-3265	136	13	the	the	DET
fsr-3265	136	14	above	above	ADJ
fsr-3265	136	15	two	two	NUM
fsr-3265	136	16	questions	question	NOUN
fsr-3265	136	17	about	about	ADP
fsr-3265	136	18	communication	communication	NOUN
fsr-3265	136	19	frequency	frequency	NOUN
fsr-3265	136	20	and	and	CCONJ
fsr-3265	136	21	financial	financial	ADJ
fsr-3265	136	22	literacy	literacy	NOUN
fsr-3265	136	23	.	.	PUNCT
fsr-3265	137	1	85y	85y	NOUN
fsr-3265	137	2	.	.	PUNCT
fsr-3265	138	1	chung	chung	PROPN
fsr-3265	138	2	,	,	PUNCT
fsr-3265	138	3	y.	y.	PROPN
fsr-3265	138	4	park	park	PROPN
fsr-3265	138	5	/	/	SYM
fsr-3265	138	6	financial	financial	ADJ
fsr-3265	138	7	services	service	NOUN
fsr-3265	138	8	review	review	VERB
fsr-3265	138	9	24	24	NUM
fsr-3265	138	10	(	(	PUNCT
fsr-3265	138	11	2015	2015	NUM
fsr-3265	138	12	)	)	PUNCT
fsr-3265	139	1	77–99	77–99	NUM
fsr-3265	139	2	first	first	ADV
fsr-3265	139	3	,	,	PUNCT
fsr-3265	139	4	individual	individual	NOUN
fsr-3265	139	5	i	i	PRON
fsr-3265	139	6	identifies	identify	VERB
fsr-3265	139	7	persons	person	NOUN
fsr-3265	139	8	(	(	PUNCT
fsr-3265	139	9	j	j	NOUN
fsr-3265	139	10	)	)	PUNCT
fsr-3265	139	11	in	in	ADP
fsr-3265	139	12	his	his	PRON
fsr-3265	139	13	or	or	CCONJ
fsr-3265	139	14	her	her	PRON
fsr-3265	139	15	financial	financial	ADJ
fsr-3265	139	16	network	network	NOUN
fsr-3265	139	17	(	(	PUNCT
fsr-3265	139	18	called	call	VERB
fsr-3265	139	19	“	"	PUNCT
fsr-3265	139	20	alters	alter	NOUN
fsr-3265	139	21	”	"	PUNCT
fsr-3265	139	22	)	)	PUNCT
fsr-3265	139	23	,	,	PUNCT
fsr-3265	139	24	but	but	CCONJ
fsr-3265	139	25	the	the	DET
fsr-3265	139	26	number	number	NOUN
fsr-3265	139	27	of	of	ADP
fsr-3265	139	28	alters	alter	NOUN
fsr-3265	139	29	is	be	AUX
fsr-3265	139	30	constrained	constrain	VERB
fsr-3265	139	31	up	up	ADP
fsr-3265	139	32	to	to	ADP
fsr-3265	139	33	10	10	NUM
fsr-3265	139	34	(	(	PUNCT
fsr-3265	139	35	j	j	PROPN
fsr-3265	139	36	�	�	PROPN
fsr-3265	139	37	10	10	NUM
fsr-3265	139	38	)	)	PUNCT
fsr-3265	139	39	.	.	PUNCT
fsr-3265	140	1	j	j	PROPN
fsr-3265	140	2	indicates	indicate	VERB
fsr-3265	140	3	the	the	DET
fsr-3265	140	4	total	total	ADJ
fsr-3265	140	5	number	number	NOUN
fsr-3265	140	6	of	of	ADP
fsr-3265	140	7	persons	person	NOUN
fsr-3265	140	8	in	in	ADP
fsr-3265	140	9	individual	individual	ADJ
fsr-3265	141	1	i	i	PROPN
fsr-3265	141	2	’s	’	VERB
fsr-3265	141	3	financial	financial	ADJ
fsr-3265	141	4	networks	network	NOUN
fsr-3265	141	5	.	.	PUNCT
fsr-3265	142	1	second	second	ADJ
fsr-3265	142	2	,	,	PUNCT
fsr-3265	142	3	individual	individual	NOUN
fsr-3265	142	4	i	i	PRON
fsr-3265	142	5	evaluates	evaluate	VERB
fsr-3265	142	6	communication	communication	NOUN
fsr-3265	142	7	frequency	frequency	NOUN
fsr-3265	142	8	with	with	ADP
fsr-3265	142	9	a	a	DET
fsr-3265	142	10	person	person	NOUN
fsr-3265	142	11	j	j	PROPN
fsr-3265	142	12	in	in	ADP
fsr-3265	142	13	his	his	PRON
fsr-3265	142	14	or	or	CCONJ
fsr-3265	142	15	her	her	PRON
fsr-3265	142	16	network	network	NOUN
fsr-3265	142	17	(	(	PUNCT
fsr-3265	142	18	cfreqij	cfreqij	PROPN
fsr-3265	142	19	)	)	PUNCT
fsr-3265	142	20	,	,	PUNCT
fsr-3265	142	21	using	use	VERB
fsr-3265	142	22	a	a	DET
fsr-3265	142	23	scale	scale	NOUN
fsr-3265	142	24	of	of	ADP
fsr-3265	142	25	0	0	NUM
fsr-3265	142	26	(	(	PUNCT
fsr-3265	142	27	never	never	ADV
fsr-3265	142	28	)	)	PUNCT
fsr-3265	142	29	to	to	ADP
fsr-3265	142	30	5	5	NUM
fsr-3265	142	31	(	(	PUNCT
fsr-3265	142	32	once	once	ADV
fsr-3265	142	33	a	a	DET
fsr-3265	142	34	week	week	NOUN
fsr-3265	142	35	or	or	CCONJ
fsr-3265	142	36	more	more	ADJ
fsr-3265	142	37	)	)	PUNCT
fsr-3265	142	38	(	(	PUNCT
fsr-3265	142	39	table	table	NOUN
fsr-3265	142	40	2	2	NUM
fsr-3265	142	41	:	:	PUNCT
fsr-3265	142	42	question	question	NOUN
fsr-3265	142	43	1	1	NUM
fsr-3265	142	44	)	)	PUNCT
fsr-3265	142	45	.	.	PUNCT
fsr-3265	143	1	we	we	PRON
fsr-3265	143	2	assume	assume	VERB
fsr-3265	143	3	that	that	SCONJ
fsr-3265	143	4	a	a	DET
fsr-3265	143	5	large	large	ADJ
fsr-3265	143	6	value	value	NOUN
fsr-3265	143	7	of	of	ADP
fsr-3265	143	8	communication	communication	NOUN
fsr-3265	143	9	frequency	frequency	NOUN
fsr-3265	143	10	indicates	indicate	VERB
fsr-3265	143	11	a	a	DET
fsr-3265	143	12	strong	strong	ADJ
fsr-3265	143	13	relationship	relationship	NOUN
fsr-3265	143	14	with	with	ADP
fsr-3265	143	15	a	a	DET
fsr-3265	143	16	person	person	NOUN
fsr-3265	143	17	in	in	ADP
fsr-3265	143	18	one	one	NUM
fsr-3265	143	19	’s	’s	PART
fsr-3265	143	20	network	network	NOUN
fsr-3265	143	21	.	.	PUNCT
fsr-3265	144	1	third	third	ADJ
fsr-3265	144	2	,	,	PUNCT
fsr-3265	144	3	individual	individual	NOUN
fsr-3265	144	4	i	i	PRON
fsr-3265	144	5	evaluates	evaluate	VERB
fsr-3265	144	6	the	the	DET
fsr-3265	144	7	financial	financial	ADJ
fsr-3265	144	8	literacy	literacy	NOUN
fsr-3265	144	9	of	of	ADP
fsr-3265	144	10	person	person	NOUN
fsr-3265	144	11	j	j	PROPN
fsr-3265	144	12	,	,	PUNCT
fsr-3265	144	13	using	use	VERB
fsr-3265	144	14	a	a	DET
fsr-3265	144	15	scale	scale	NOUN
fsr-3265	144	16	of	of	ADP
fsr-3265	144	17	0	0	NUM
fsr-3265	144	18	(	(	PUNCT
fsr-3265	144	19	very	very	ADV
fsr-3265	144	20	little	little	ADJ
fsr-3265	144	21	)	)	PUNCT
fsr-3265	144	22	to	to	ADP
fsr-3265	144	23	5	5	NUM
fsr-3265	144	24	(	(	PUNCT
fsr-3265	144	25	very	very	ADV
fsr-3265	144	26	high	high	ADJ
fsr-3265	144	27	)	)	PUNCT
fsr-3265	144	28	(	(	PUNCT
fsr-3265	144	29	table	table	NOUN
fsr-3265	144	30	2	2	NUM
fsr-3265	144	31	:	:	PUNCT
fsr-3265	144	32	question	question	NOUN
fsr-3265	144	33	2	2	NUM
fsr-3265	144	34	)	)	PUNCT
fsr-3265	144	35	.	.	PUNCT
fsr-3265	145	1	the	the	DET
fsr-3265	145	2	responses	response	NOUN
fsr-3265	145	3	are	be	AUX
fsr-3265	145	4	converted	convert	VERB
fsr-3265	145	5	to	to	ADP
fsr-3265	145	6	a	a	DET
fsr-3265	145	7	binary	binary	ADJ
fsr-3265	145	8	variable	variable	NOUN
fsr-3265	145	9	(	(	PUNCT
fsr-3265	145	10	nfkij	nfkij	PROPN
fsr-3265	145	11	)	)	PUNCT
fsr-3265	145	12	,	,	PUNCT
fsr-3265	145	13	which	which	PRON
fsr-3265	145	14	indicates	indicate	VERB
fsr-3265	145	15	whether	whether	SCONJ
fsr-3265	145	16	person	person	NOUN
fsr-3265	145	17	j	j	PROPN
fsr-3265	145	18	in	in	ADP
fsr-3265	145	19	individual	individual	PROPN
fsr-3265	145	20	i	i	PRON
fsr-3265	145	21	’s	’s	PART
fsr-3265	145	22	network	network	NOUN
fsr-3265	145	23	is	be	AUX
fsr-3265	145	24	financially	financially	ADV
fsr-3265	145	25	literate	literate	ADJ
fsr-3265	145	26	or	or	CCONJ
fsr-3265	145	27	not	not	PART
fsr-3265	145	28	.	.	PUNCT
fsr-3265	146	1	nfkij	nfkij	PROPN
fsr-3265	146	2	takes	take	VERB
fsr-3265	146	3	a	a	DET
fsr-3265	146	4	value	value	NOUN
fsr-3265	146	5	of	of	ADP
fsr-3265	146	6	one	one	NUM
fsr-3265	146	7	for	for	ADP
fsr-3265	146	8	a	a	DET
fsr-3265	146	9	response	response	NOUN
fsr-3265	146	10	of	of	ADP
fsr-3265	146	11	“	"	PUNCT
fsr-3265	146	12	above	above	ADP
fsr-3265	146	13	average	average	ADJ
fsr-3265	146	14	”	"	PUNCT
fsr-3265	146	15	or	or	CCONJ
fsr-3265	146	16	“	"	PUNCT
fsr-3265	146	17	very	very	ADV
fsr-3265	146	18	high	high	ADJ
fsr-3265	146	19	”	"	PUNCT
fsr-3265	146	20	and	and	CCONJ
fsr-3265	146	21	a	a	DET
fsr-3265	146	22	value	value	NOUN
fsr-3265	146	23	of	of	ADP
fsr-3265	146	24	zero	zero	NUM
fsr-3265	146	25	for	for	ADP
fsr-3265	146	26	a	a	DET
fsr-3265	146	27	response	response	NOUN
fsr-3265	146	28	of	of	ADP
fsr-3265	146	29	“	"	PUNCT
fsr-3265	146	30	very	very	ADV
fsr-3265	146	31	little	little	ADJ
fsr-3265	146	32	,	,	PUNCT
fsr-3265	146	33	”	"	PUNCT
fsr-3265	146	34	“	"	PUNCT
fsr-3265	146	35	below	below	ADP
fsr-3265	146	36	average	average	ADJ
fsr-3265	146	37	,	,	PUNCT
fsr-3265	146	38	”	"	PUNCT
fsr-3265	146	39	or	or	CCONJ
fsr-3265	146	40	“	"	PUNCT
fsr-3265	146	41	average	average	ADJ
fsr-3265	146	42	.	.	PUNCT
fsr-3265	146	43	”	"	PUNCT
fsr-3265	147	1	fourth	fourth	ADJ
fsr-3265	147	2	,	,	PUNCT
fsr-3265	147	3	because	because	SCONJ
fsr-3265	147	4	nfkij	nfkij	PROPN
fsr-3265	147	5	is	be	AUX
fsr-3265	147	6	zero	zero	NUM
fsr-3265	147	7	for	for	ADP
fsr-3265	147	8	person	person	NOUN
fsr-3265	147	9	j	j	PROPN
fsr-3265	147	10	’s	’s	PART
fsr-3265	147	11	average	average	ADJ
fsr-3265	147	12	or	or	CCONJ
fsr-3265	147	13	lower	low	ADJ
fsr-3265	147	14	financial	financial	ADJ
fsr-3265	147	15	literacy	literacy	NOUN
fsr-3265	147	16	in	in	ADP
fsr-3265	147	17	individual	individual	ADJ
fsr-3265	147	18	i	i	PROPN
fsr-3265	147	19	’s	’s	PART
fsr-3265	147	20	network	network	NOUN
fsr-3265	147	21	,	,	PUNCT
fsr-3265	147	22	the	the	DET
fsr-3265	147	23	numerator	numerator	NOUN
fsr-3265	147	24	in	in	ADP
fsr-3265	147	25	the	the	DET
fsr-3265	147	26	eq	eq	NOUN
fsr-3265	147	27	.	.	PUNCT
fsr-3265	148	1	(	(	PUNCT
fsr-3265	148	2	3	3	X
fsr-3265	148	3	)	)	PUNCT
fsr-3265	148	4	is	be	AUX
fsr-3265	148	5	computed	compute	VERB
fsr-3265	148	6	by	by	ADP
fsr-3265	148	7	summing	sum	VERB
fsr-3265	148	8	up	up	ADP
fsr-3265	148	9	individual	individual	ADJ
fsr-3265	148	10	i	i	PRON
fsr-3265	148	11	’s	’	VERB
fsr-3265	148	12	communication	communication	NOUN
fsr-3265	148	13	frequencies	frequency	NOUN
fsr-3265	148	14	with	with	ADP
fsr-3265	148	15	only	only	ADV
fsr-3265	148	16	the	the	DET
fsr-3265	148	17	financially	financially	ADV
fsr-3265	148	18	literate	literate	ADJ
fsr-3265	148	19	in	in	ADP
fsr-3265	148	20	his	his	PRON
fsr-3265	148	21	or	or	CCONJ
fsr-3265	148	22	her	her	PRON
fsr-3265	148	23	network	network	NOUN
fsr-3265	148	24	.	.	PUNCT
fsr-3265	149	1	finally	finally	ADV
fsr-3265	149	2	,	,	PUNCT
fsr-3265	149	3	individual	individual	ADJ
fsr-3265	149	4	i	i	PRON
fsr-3265	149	5	’s	’	VERB
fsr-3265	149	6	network	network	NOUN
fsr-3265	149	7	strength	strength	NOUN
fsr-3265	149	8	with	with	ADP
fsr-3265	149	9	the	the	DET
fsr-3265	149	10	financially	financially	ADV
fsr-3265	149	11	literate	literate	ADJ
fsr-3265	149	12	is	be	AUX
fsr-3265	149	13	evaluated	evaluate	VERB
fsr-3265	149	14	with	with	ADP
fsr-3265	149	15	respect	respect	NOUN
fsr-3265	149	16	to	to	ADP
fsr-3265	149	17	the	the	DET
fsr-3265	149	18	maximum	maximum	ADJ
fsr-3265	149	19	possible	possible	ADJ
fsr-3265	149	20	value	value	NOUN
fsr-3265	149	21	(	(	PUNCT
fsr-3265	149	22	maxzi	maxzi	NOUN
fsr-3265	149	23	)	)	PUNCT
fsr-3265	149	24	that	that	SCONJ
fsr-3265	149	25	the	the	DET
fsr-3265	149	26	individual	individual	NOUN
fsr-3265	149	27	can	can	AUX
fsr-3265	149	28	have	have	VERB
fsr-3265	149	29	from	from	ADP
fsr-3265	149	30	the	the	DET
fsr-3265	149	31	relationships	relationship	NOUN
fsr-3265	149	32	with	with	ADP
fsr-3265	149	33	the	the	DET
fsr-3265	149	34	financially	financially	ADV
fsr-3265	149	35	literate	literate	ADJ
fsr-3265	149	36	.	.	PUNCT
fsr-3265	150	1	maxzi	maxzi	PROPN
fsr-3265	150	2	is	be	AUX
fsr-3265	150	3	defined	define	VERB
fsr-3265	150	4	as	as	ADP
fsr-3265	150	5	a	a	DET
fsr-3265	150	6	product	product	NOUN
fsr-3265	150	7	of	of	ADP
fsr-3265	150	8	j	j	PROPN
fsr-3265	150	9	,	,	PUNCT
fsr-3265	150	10	the	the	DET
fsr-3265	150	11	maximum	maximum	ADJ
fsr-3265	150	12	possible	possible	ADJ
fsr-3265	150	13	value	value	NOUN
fsr-3265	150	14	of	of	ADP
fsr-3265	150	15	cfreqij	cfreqij	NOUN
fsr-3265	150	16	(	(	PUNCT
fsr-3265	150	17	�	�	PROPN
fsr-3265	150	18	5	5	NUM
fsr-3265	150	19	)	)	PUNCT
fsr-3265	150	20	,	,	PUNCT
fsr-3265	150	21	and	and	CCONJ
fsr-3265	150	22	the	the	DET
fsr-3265	150	23	maximum	maximum	ADJ
fsr-3265	150	24	possible	possible	ADJ
fsr-3265	150	25	value	value	NOUN
fsr-3265	150	26	of	of	ADP
fsr-3265	150	27	nfkij	nfkij	PROPN
fsr-3265	150	28	(	(	PUNCT
fsr-3265	150	29	�	�	PROPN
fsr-3265	150	30	1	1	NUM
fsr-3265	150	31	)	)	PUNCT
fsr-3265	150	32	for	for	ADP
fsr-3265	150	33	individual	individual	ADJ
fsr-3265	150	34	i.	i.	NOUN
fsr-3265	150	35	for	for	ADP
fsr-3265	150	36	example	example	NOUN
fsr-3265	150	37	,	,	PUNCT
fsr-3265	150	38	when	when	SCONJ
fsr-3265	150	39	individual	individual	ADJ
fsr-3265	150	40	i	i	PRON
fsr-3265	150	41	has	have	VERB
fsr-3265	150	42	five	five	NUM
fsr-3265	150	43	persons	person	NOUN
fsr-3265	150	44	in	in	ADP
fsr-3265	150	45	his	his	PRON
fsr-3265	150	46	or	or	CCONJ
fsr-3265	150	47	her	her	PRON
fsr-3265	150	48	financial	financial	ADJ
fsr-3265	150	49	networks	network	NOUN
fsr-3265	150	50	,	,	PUNCT
fsr-3265	150	51	his	his	PRON
fsr-3265	150	52	or	or	CCONJ
fsr-3265	150	53	her	her	PRON
fsr-3265	150	54	maximum	maximum	ADJ
fsr-3265	150	55	possible	possible	ADJ
fsr-3265	150	56	value	value	NOUN
fsr-3265	150	57	(	(	PUNCT
fsr-3265	150	58	maxzi	maxzi	NOUN
fsr-3265	150	59	)	)	PUNCT
fsr-3265	150	60	is	be	AUX
fsr-3265	150	61	25	25	NUM
fsr-3265	150	62	(	(	PUNCT
fsr-3265	150	63	�	�	PROPN
fsr-3265	150	64	5	5	NUM
fsr-3265	150	65	�	�	PROPN
fsr-3265	150	66	5	5	NUM
fsr-3265	150	67	�	�	PROPN
fsr-3265	150	68	1	1	NUM
fsr-3265	150	69	)	)	PUNCT
fsr-3265	150	70	.	.	PUNCT
fsr-3265	151	1	thus	thus	ADV
fsr-3265	151	2	,	,	PUNCT
fsr-3265	151	3	individual	individual	ADJ
fsr-3265	151	4	i	i	PRON
fsr-3265	151	5	’s	’	VERB
fsr-3265	151	6	financial	financial	ADJ
fsr-3265	151	7	network	network	NOUN
fsr-3265	151	8	intensity	intensity	NOUN
fsr-3265	151	9	(	(	PUNCT
fsr-3265	151	10	fni	fni	NOUN
fsr-3265	151	11	)	)	PUNCT
fsr-3265	151	12	takes	take	VERB
fsr-3265	151	13	a	a	DET
fsr-3265	151	14	value	value	NOUN
fsr-3265	151	15	between	between	ADP
fsr-3265	151	16	0	0	NUM
fsr-3265	151	17	and	and	CCONJ
fsr-3265	151	18	1	1	NUM
fsr-3265	151	19	;	;	PUNCT
fsr-3265	151	20	a	a	DET
fsr-3265	151	21	larger	large	ADJ
fsr-3265	151	22	value	value	NOUN
fsr-3265	151	23	of	of	ADP
fsr-3265	151	24	fni	fni	PROPN
fsr-3265	151	25	indicates	indicate	VERB
fsr-3265	151	26	greater	great	ADJ
fsr-3265	151	27	network	network	NOUN
fsr-3265	151	28	strength	strength	NOUN
fsr-3265	151	29	with	with	ADP
fsr-3265	151	30	the	the	DET
fsr-3265	151	31	financially	financially	ADV
fsr-3265	151	32	literate	literate	ADJ
fsr-3265	151	33	.	.	PUNCT
fsr-3265	152	1	3.1.5	3.1.5	X
fsr-3265	152	2	.	.	PUNCT
fsr-3265	152	3	control	control	PROPN
fsr-3265	152	4	variables	variables	PROPN
fsr-3265	152	5	respondents	respondent	NOUN
fsr-3265	152	6	’	'	PUNCT
fsr-3265	152	7	network	network	NOUN
fsr-3265	152	8	size	size	NOUN
fsr-3265	152	9	,	,	PUNCT
fsr-3265	152	10	investment	investment	NOUN
fsr-3265	152	11	experience	experience	NOUN
fsr-3265	152	12	,	,	PUNCT
fsr-3265	152	13	risk	risk	NOUN
fsr-3265	152	14	tolerance	tolerance	NOUN
fsr-3265	152	15	,	,	PUNCT
fsr-3265	152	16	grade	grade	NOUN
fsr-3265	152	17	point	point	NOUN
fsr-3265	152	18	average	average	NOUN
fsr-3265	152	19	(	(	PUNCT
fsr-3265	152	20	gpa	gpa	PROPN
fsr-3265	152	21	)	)	PUNCT
fsr-3265	152	22	,	,	PUNCT
fsr-3265	152	23	current	current	ADJ
fsr-3265	152	24	mood	mood	NOUN
fsr-3265	152	25	state	state	NOUN
fsr-3265	152	26	,	,	PUNCT
fsr-3265	152	27	and	and	CCONJ
fsr-3265	152	28	demographic	demographic	ADJ
fsr-3265	152	29	backgrounds	background	NOUN
fsr-3265	152	30	are	be	AUX
fsr-3265	152	31	included	include	VERB
fsr-3265	152	32	as	as	ADP
fsr-3265	152	33	control	control	NOUN
fsr-3265	152	34	variables	variable	NOUN
fsr-3265	152	35	.	.	PUNCT
fsr-3265	153	1	first	first	ADV
fsr-3265	153	2	,	,	PUNCT
fsr-3265	153	3	following	follow	VERB
fsr-3265	153	4	hansen	hansen	PROPN
fsr-3265	153	5	et	et	PROPN
fsr-3265	153	6	al	al	PROPN
fsr-3265	153	7	.	.	PROPN
fsr-3265	153	8	(	(	PUNCT
fsr-3265	153	9	2001	2001	NUM
fsr-3265	153	10	)	)	PUNCT
fsr-3265	153	11	,	,	PUNCT
fsr-3265	153	12	we	we	PRON
fsr-3265	153	13	define	define	VERB
fsr-3265	153	14	network	network	NOUN
fsr-3265	153	15	size	size	NOUN
fsr-3265	153	16	as	as	ADP
fsr-3265	153	17	the	the	DET
fsr-3265	153	18	total	total	ADJ
fsr-3265	153	19	number	number	NOUN
fsr-3265	153	20	of	of	ADP
fsr-3265	153	21	persons	person	NOUN
fsr-3265	153	22	from	from	ADP
fsr-3265	153	23	whom	whom	PRON
fsr-3265	153	24	a	a	DET
fsr-3265	153	25	respondent	respondent	NOUN
fsr-3265	153	26	acquires	acquire	VERB
fsr-3265	153	27	financial	financial	ADJ
fsr-3265	153	28	or	or	CCONJ
fsr-3265	153	29	investment	investment	NOUN
fsr-3265	153	30	information	information	NOUN
fsr-3265	153	31	.	.	PUNCT
fsr-3265	154	1	those	those	PRON
fsr-3265	154	2	who	who	PRON
fsr-3265	154	3	have	have	VERB
fsr-3265	154	4	a	a	DET
fsr-3265	154	5	larger	large	ADJ
fsr-3265	154	6	size	size	NOUN
fsr-3265	154	7	of	of	ADP
fsr-3265	154	8	network	network	NOUN
fsr-3265	154	9	may	may	AUX
fsr-3265	154	10	have	have	VERB
fsr-3265	154	11	more	more	ADJ
fsr-3265	154	12	chances	chance	NOUN
fsr-3265	154	13	to	to	PART
fsr-3265	154	14	obtain	obtain	VERB
fsr-3265	154	15	a	a	DET
fsr-3265	154	16	broader	broad	ADJ
fsr-3265	154	17	spectrum	spectrum	NOUN
fsr-3265	154	18	of	of	ADP
fsr-3265	154	19	information	information	NOUN
fsr-3265	154	20	and	and	CCONJ
fsr-3265	154	21	knowledge	knowledge	NOUN
fsr-3265	154	22	(	(	PUNCT
fsr-3265	154	23	e.g.	e.g.	ADV
fsr-3265	154	24	,	,	PUNCT
fsr-3265	154	25	chung	chung	PROPN
fsr-3265	154	26	and	and	CCONJ
fsr-3265	154	27	jackson	jackson	PROPN
fsr-3265	154	28	,	,	PUNCT
fsr-3265	154	29	2013	2013	NUM
fsr-3265	154	30	;	;	PUNCT
fsr-3265	154	31	gargiulo	gargiulo	NOUN
fsr-3265	154	32	,	,	PUNCT
fsr-3265	154	33	ertug	ertug	NOUN
fsr-3265	154	34	,	,	PUNCT
fsr-3265	154	35	and	and	CCONJ
fsr-3265	154	36	galunic	galunic	ADJ
fsr-3265	154	37	,	,	PUNCT
fsr-3265	154	38	2009	2009	NUM
fsr-3265	154	39	)	)	PUNCT
fsr-3265	154	40	.	.	PUNCT
fsr-3265	155	1	second	second	ADV
fsr-3265	155	2	,	,	PUNCT
fsr-3265	155	3	we	we	PRON
fsr-3265	155	4	include	include	VERB
fsr-3265	155	5	respondents	respondent	NOUN
fsr-3265	155	6	’	'	PUNCT
fsr-3265	155	7	risk	risk	NOUN
fsr-3265	155	8	tolerance	tolerance	NOUN
fsr-3265	155	9	,	,	PUNCT
fsr-3265	155	10	following	follow	VERB
fsr-3265	155	11	prior	prior	ADJ
fsr-3265	155	12	studies	study	NOUN
fsr-3265	155	13	on	on	ADP
fsr-3265	155	14	financial	financial	ADJ
fsr-3265	155	15	risk	risk	NOUN
fsr-3265	155	16	tolerance	tolerance	NOUN
fsr-3265	155	17	and	and	CCONJ
fsr-3265	155	18	investment	investment	NOUN
fsr-3265	155	19	behavior	behavior	NOUN
fsr-3265	155	20	(	(	PUNCT
fsr-3265	155	21	e.g.	e.g.	ADV
fsr-3265	155	22	,	,	PUNCT
fsr-3265	155	23	gibson	gibson	PROPN
fsr-3265	155	24	,	,	PUNCT
fsr-3265	155	25	michayluk	michayluk	NOUN
fsr-3265	155	26	,	,	PUNCT
fsr-3265	155	27	and	and	CCONJ
fsr-3265	155	28	venter	venter	NOUN
fsr-3265	155	29	,	,	PUNCT
fsr-3265	155	30	2013	2013	NUM
fsr-3265	155	31	;	;	PUNCT
fsr-3265	155	32	guiso	guiso	PROPN
fsr-3265	155	33	et	et	PROPN
fsr-3265	155	34	al	al	PROPN
fsr-3265	155	35	.	.	PROPN
fsr-3265	155	36	,	,	PUNCT
fsr-3265	155	37	2008	2008	NUM
fsr-3265	155	38	;	;	PUNCT
fsr-3265	155	39	hong	hong	PROPN
fsr-3265	155	40	et	et	PROPN
fsr-3265	155	41	al	al	PROPN
fsr-3265	155	42	.	.	PROPN
fsr-3265	155	43	,	,	PUNCT
fsr-3265	155	44	2004	2004	NUM
fsr-3265	155	45	;	;	PUNCT
fsr-3265	155	46	van	van	PROPN
fsr-3265	155	47	rooij	rooij	NOUN
fsr-3265	155	48	et	et	PROPN
fsr-3265	155	49	al	al	PROPN
fsr-3265	155	50	.	.	PROPN
fsr-3265	155	51	,	,	PUNCT
fsr-3265	155	52	2011	2011	NUM
fsr-3265	155	53	;	;	PUNCT
fsr-3265	155	54	yoong	yoong	PROPN
fsr-3265	155	55	,	,	PUNCT
fsr-3265	155	56	2010	2010	NUM
fsr-3265	155	57	)	)	PUNCT
fsr-3265	155	58	.	.	PUNCT
fsr-3265	156	1	respondents	respondent	NOUN
fsr-3265	156	2	’	'	PUNCT
fsr-3265	156	3	decisions	decision	NOUN
fsr-3265	156	4	on	on	ADP
fsr-3265	156	5	a	a	DET
fsr-3265	156	6	choice	choice	NOUN
fsr-3265	156	7	of	of	ADP
fsr-3265	156	8	a	a	DET
fsr-3265	156	9	default	default	NOUN
fsr-3265	156	10	option	option	NOUN
fsr-3265	156	11	and	and	CCONJ
fsr-3265	156	12	stock	stock	NOUN
fsr-3265	156	13	allocation	allocation	NOUN
fsr-3265	156	14	may	may	AUX
fsr-3265	156	15	be	be	AUX
fsr-3265	156	16	affected	affect	VERB
fsr-3265	156	17	by	by	ADP
fsr-3265	156	18	their	their	PRON
fsr-3265	156	19	risk	risk	NOUN
fsr-3265	156	20	tolerance	tolerance	NOUN
fsr-3265	156	21	.	.	PUNCT
fsr-3265	157	1	to	to	PART
fsr-3265	157	2	measure	measure	VERB
fsr-3265	157	3	risk	risk	NOUN
fsr-3265	157	4	tolerance	tolerance	NOUN
fsr-3265	157	5	,	,	PUNCT
fsr-3265	157	6	we	we	PRON
fsr-3265	157	7	use	use	VERB
fsr-3265	157	8	a	a	DET
fsr-3265	157	9	battery	battery	NOUN
fsr-3265	157	10	of	of	ADP
fsr-3265	157	11	13	13	NUM
fsr-3265	157	12	items	item	NOUN
fsr-3265	157	13	developed	develop	VERB
fsr-3265	157	14	by	by	ADP
fsr-3265	157	15	grable	grable	PROPN
fsr-3265	157	16	and	and	CCONJ
fsr-3265	157	17	lytton	lytton	PROPN
fsr-3265	157	18	(	(	PUNCT
fsr-3265	157	19	1999).11	1999).11	PROPN
fsr-3265	157	20	third	third	NOUN
fsr-3265	157	21	,	,	PUNCT
fsr-3265	157	22	we	we	PRON
fsr-3265	157	23	control	control	VERB
fsr-3265	157	24	for	for	ADP
fsr-3265	157	25	investment	investment	NOUN
fsr-3265	157	26	experience	experience	NOUN
fsr-3265	157	27	.	.	PUNCT
fsr-3265	158	1	we	we	PRON
fsr-3265	158	2	expect	expect	VERB
fsr-3265	158	3	that	that	SCONJ
fsr-3265	158	4	a	a	DET
fsr-3265	158	5	respondent	respondent	NOUN
fsr-3265	158	6	’s	’s	PART
fsr-3265	158	7	prior	prior	ADJ
fsr-3265	158	8	investment	investment	NOUN
fsr-3265	158	9	experience	experience	NOUN
fsr-3265	158	10	may	may	AUX
fsr-3265	158	11	influence	influence	VERB
fsr-3265	158	12	his	his	PRON
fsr-3265	158	13	or	or	CCONJ
fsr-3265	158	14	her	her	PRON
fsr-3265	158	15	decisions	decision	NOUN
fsr-3265	158	16	on	on	ADP
fsr-3265	158	17	a	a	DET
fsr-3265	158	18	choice	choice	NOUN
fsr-3265	158	19	of	of	ADP
fsr-3265	158	20	a	a	DET
fsr-3265	158	21	default	default	NOUN
fsr-3265	158	22	option	option	NOUN
fsr-3265	158	23	and	and	CCONJ
fsr-3265	158	24	stock	stock	NOUN
fsr-3265	158	25	allocation	allocation	NOUN
fsr-3265	158	26	.	.	PUNCT
fsr-3265	159	1	thus	thus	ADV
fsr-3265	159	2	,	,	PUNCT
fsr-3265	159	3	survey	survey	NOUN
fsr-3265	159	4	participants	participant	NOUN
fsr-3265	159	5	were	be	AUX
fsr-3265	159	6	asked	ask	VERB
fsr-3265	159	7	to	to	PART
fsr-3265	159	8	answer	answer	VERB
fsr-3265	159	9	whether	whether	SCONJ
fsr-3265	159	10	they	they	PRON
fsr-3265	159	11	have	have	AUX
fsr-3265	159	12	owned	own	VERB
fsr-3265	159	13	any	any	DET
fsr-3265	159	14	stocks	stock	NOUN
fsr-3265	159	15	or	or	CCONJ
fsr-3265	159	16	mutual	mutual	ADJ
fsr-3265	159	17	funds	fund	NOUN
fsr-3265	159	18	during	during	ADP
fsr-3265	159	19	the	the	DET
fsr-3265	159	20	past	past	ADJ
fsr-3265	159	21	five	five	NUM
fsr-3265	159	22	years	year	NOUN
fsr-3265	159	23	.	.	PUNCT
fsr-3265	160	1	when	when	SCONJ
fsr-3265	160	2	a	a	DET
fsr-3265	160	3	respondent	respondent	NOUN
fsr-3265	160	4	answers	answer	VERB
fsr-3265	160	5	“	"	PUNCT
fsr-3265	160	6	yes	yes	INTJ
fsr-3265	160	7	”	"	PUNCT
fsr-3265	160	8	in	in	ADP
fsr-3265	160	9	either	either	CCONJ
fsr-3265	160	10	stocks	stock	NOUN
fsr-3265	160	11	or	or	CCONJ
fsr-3265	160	12	mutual	mutual	ADJ
fsr-3265	160	13	funds	fund	NOUN
fsr-3265	160	14	,	,	PUNCT
fsr-3265	160	15	the	the	DET
fsr-3265	160	16	respondent	respondent	NOUN
fsr-3265	160	17	is	be	AUX
fsr-3265	160	18	regarded	regard	VERB
fsr-3265	160	19	as	as	ADP
fsr-3265	160	20	one	one	NUM
fsr-3265	160	21	who	who	PRON
fsr-3265	160	22	has	have	VERB
fsr-3265	160	23	investment	investment	NOUN
fsr-3265	160	24	experience	experience	NOUN
fsr-3265	160	25	.	.	PUNCT
fsr-3265	161	1	fourth	fourth	ADJ
fsr-3265	161	2	,	,	PUNCT
fsr-3265	161	3	we	we	PRON
fsr-3265	161	4	control	control	VERB
fsr-3265	161	5	for	for	ADP
fsr-3265	161	6	the	the	DET
fsr-3265	161	7	current	current	ADJ
fsr-3265	161	8	mood	mood	NOUN
fsr-3265	161	9	state	state	NOUN
fsr-3265	161	10	by	by	ADP
fsr-3265	161	11	including	include	VERB
fsr-3265	161	12	the	the	DET
fsr-3265	161	13	20	20	NUM
fsr-3265	161	14	-	-	PUNCT
fsr-3265	161	15	item	item	NOUN
fsr-3265	161	16	positive	positive	ADJ
fsr-3265	161	17	affect	affect	NOUN
fsr-3265	161	18	and	and	CCONJ
fsr-3265	161	19	negative	negative	ADJ
fsr-3265	161	20	affect	affect	NOUN
fsr-3265	161	21	scale	scale	NOUN
fsr-3265	161	22	(	(	PUNCT
fsr-3265	161	23	panas	panas	PROPN
fsr-3265	161	24	;	;	PUNCT
fsr-3265	161	25	watson	watson	PROPN
fsr-3265	161	26	et	et	PROPN
fsr-3265	161	27	al	al	PROPN
fsr-3265	161	28	.	.	PROPN
fsr-3265	161	29	,	,	PUNCT
fsr-3265	161	30	1988	1988	NUM
fsr-3265	161	31	)	)	PUNCT
fsr-3265	161	32	,	,	PUNCT
fsr-3265	161	33	relying	rely	VERB
fsr-3265	161	34	on	on	ADP
fsr-3265	161	35	the	the	DET
fsr-3265	161	36	findings	finding	NOUN
fsr-3265	161	37	of	of	ADP
fsr-3265	161	38	the	the	DET
fsr-3265	161	39	literature	literature	NOUN
fsr-3265	161	40	on	on	ADP
fsr-3265	161	41	personality	personality	NOUN
fsr-3265	161	42	and	and	CCONJ
fsr-3265	161	43	social	social	ADJ
fsr-3265	161	44	psychology	psychology	NOUN
fsr-3265	161	45	that	that	PRON
fsr-3265	161	46	risk	risk	VERB
fsr-3265	161	47	perceptions	perception	NOUN
fsr-3265	161	48	and	and	CCONJ
fsr-3265	161	49	associated	associate	VERB
fsr-3265	161	50	choices	choice	NOUN
fsr-3265	161	51	are	be	AUX
fsr-3265	161	52	86	86	NUM
fsr-3265	161	53	y.	y.	PROPN
fsr-3265	161	54	chung	chung	PROPN
fsr-3265	161	55	,	,	PUNCT
fsr-3265	161	56	y.	y.	PROPN
fsr-3265	161	57	park	park	PROPN
fsr-3265	161	58	/	/	SYM
fsr-3265	161	59	financial	financial	ADJ
fsr-3265	161	60	services	service	NOUN
fsr-3265	161	61	review	review	VERB
fsr-3265	161	62	24	24	NUM
fsr-3265	161	63	(	(	PUNCT
fsr-3265	161	64	2015	2015	NUM
fsr-3265	161	65	)	)	PUNCT
fsr-3265	162	1	77–99	77–99	NUM
fsr-3265	162	2	significantly	significantly	ADV
fsr-3265	162	3	influenced	influence	VERB
fsr-3265	162	4	by	by	ADP
fsr-3265	162	5	the	the	DET
fsr-3265	162	6	mood	mood	NOUN
fsr-3265	162	7	state	state	NOUN
fsr-3265	162	8	(	(	PUNCT
fsr-3265	162	9	or	or	CCONJ
fsr-3265	162	10	feelings	feeling	NOUN
fsr-3265	162	11	)	)	PUNCT
fsr-3265	162	12	at	at	ADP
fsr-3265	162	13	the	the	DET
fsr-3265	162	14	moment	moment	NOUN
fsr-3265	162	15	of	of	ADP
fsr-3265	162	16	decision	decision	NOUN
fsr-3265	162	17	making	making	NOUN
fsr-3265	162	18	(	(	PUNCT
fsr-3265	162	19	e.g.	e.g.	ADV
fsr-3265	162	20	,	,	PUNCT
fsr-3265	162	21	forgas	forga	NOUN
fsr-3265	162	22	,	,	PUNCT
fsr-3265	162	23	1995	1995	NUM
fsr-3265	162	24	;	;	PUNCT
fsr-3265	162	25	isen	isen	PROPN
fsr-3265	162	26	,	,	PUNCT
fsr-3265	162	27	2000	2000	NUM
fsr-3265	162	28	;	;	PUNCT
fsr-3265	162	29	leith	leith	PROPN
fsr-3265	162	30	and	and	CCONJ
fsr-3265	162	31	baumeister	baumeister	ADV
fsr-3265	162	32	,	,	PUNCT
fsr-3265	162	33	1996	1996	NUM
fsr-3265	162	34	;	;	PUNCT
fsr-3265	162	35	loewenstein	loewenstein	VERB
fsr-3265	162	36	et	et	PROPN
fsr-3265	162	37	al	al	PROPN
fsr-3265	162	38	.	.	PROPN
fsr-3265	162	39	,	,	PUNCT
fsr-3265	162	40	2001	2001	NUM
fsr-3265	162	41	)	)	PUNCT
fsr-3265	162	42	.	.	PUNCT
fsr-3265	163	1	fifth	fifth	ADJ
fsr-3265	163	2	,	,	PUNCT
fsr-3265	163	3	we	we	PRON
fsr-3265	163	4	control	control	VERB
fsr-3265	163	5	for	for	ADP
fsr-3265	163	6	respondents	respondent	NOUN
fsr-3265	163	7	’	'	PUNCT
fsr-3265	163	8	gpa	gpa	PROPN
fsr-3265	163	9	.	.	PUNCT
fsr-3265	164	1	individuals	individual	NOUN
fsr-3265	164	2	who	who	PRON
fsr-3265	164	3	have	have	VERB
fsr-3265	164	4	high	high	ADJ
fsr-3265	164	5	academic	academic	ADJ
fsr-3265	164	6	performance	performance	NOUN
fsr-3265	164	7	are	be	AUX
fsr-3265	164	8	likely	likely	ADJ
fsr-3265	164	9	to	to	PART
fsr-3265	164	10	have	have	VERB
fsr-3265	164	11	a	a	DET
fsr-3265	164	12	stronger	strong	ADJ
fsr-3265	164	13	belief	belief	NOUN
fsr-3265	164	14	in	in	ADP
fsr-3265	164	15	their	their	PRON
fsr-3265	164	16	ability	ability	NOUN
fsr-3265	164	17	than	than	ADP
fsr-3265	164	18	those	those	PRON
fsr-3265	164	19	who	who	PRON
fsr-3265	164	20	have	have	VERB
fsr-3265	164	21	low	low	ADJ
fsr-3265	164	22	academic	academic	ADJ
fsr-3265	164	23	performance	performance	NOUN
fsr-3265	164	24	(	(	PUNCT
fsr-3265	164	25	bandura	bandura	NOUN
fsr-3265	164	26	,	,	PUNCT
fsr-3265	164	27	1993	1993	NUM
fsr-3265	164	28	,	,	PUNCT
fsr-3265	164	29	1997	1997	NUM
fsr-3265	164	30	;	;	PUNCT
fsr-3265	164	31	becker	becker	NOUN
fsr-3265	164	32	and	and	CCONJ
fsr-3265	164	33	gable	gable	ADJ
fsr-3265	164	34	,	,	PUNCT
fsr-3265	164	35	2009	2009	NUM
fsr-3265	164	36	)	)	PUNCT
fsr-3265	164	37	.	.	PUNCT
fsr-3265	165	1	thus	thus	ADV
fsr-3265	165	2	,	,	PUNCT
fsr-3265	165	3	we	we	PRON
fsr-3265	165	4	expect	expect	VERB
fsr-3265	165	5	that	that	SCONJ
fsr-3265	165	6	respondents	respondent	NOUN
fsr-3265	165	7	having	have	VERB
fsr-3265	165	8	a	a	DET
fsr-3265	165	9	higher	high	ADJ
fsr-3265	165	10	gpa	gpa	NOUN
fsr-3265	165	11	are	be	AUX
fsr-3265	165	12	less	less	ADV
fsr-3265	165	13	likely	likely	ADJ
fsr-3265	165	14	to	to	PART
fsr-3265	165	15	choose	choose	VERB
fsr-3265	165	16	a	a	DET
fsr-3265	165	17	default	default	NOUN
fsr-3265	165	18	investment	investment	NOUN
fsr-3265	165	19	option	option	NOUN
fsr-3265	165	20	.	.	PUNCT
fsr-3265	166	1	respondents	respondent	NOUN
fsr-3265	166	2	’	'	PUNCT
fsr-3265	166	3	gpa	gpa	PROPN
fsr-3265	166	4	,	,	PUNCT
fsr-3265	166	5	however	however	ADV
fsr-3265	166	6	,	,	PUNCT
fsr-3265	166	7	is	be	AUX
fsr-3265	166	8	excluded	exclude	VERB
fsr-3265	166	9	from	from	ADP
fsr-3265	166	10	the	the	DET
fsr-3265	166	11	stock	stock	NOUN
fsr-3265	166	12	allocation	allocation	NOUN
fsr-3265	166	13	equation	equation	NOUN
fsr-3265	166	14	because	because	SCONJ
fsr-3265	166	15	there	there	PRON
fsr-3265	166	16	is	be	VERB
fsr-3265	166	17	no	no	DET
fsr-3265	166	18	previous	previous	ADJ
fsr-3265	166	19	evidence	evidence	NOUN
fsr-3265	166	20	on	on	ADP
fsr-3265	166	21	the	the	DET
fsr-3265	166	22	relationship	relationship	NOUN
fsr-3265	166	23	between	between	ADP
fsr-3265	166	24	gpa	gpa	PROPN
fsr-3265	166	25	and	and	CCONJ
fsr-3265	166	26	the	the	DET
fsr-3265	166	27	propensity	propensity	NOUN
fsr-3265	166	28	to	to	PART
fsr-3265	166	29	invest	invest	VERB
fsr-3265	166	30	in	in	ADP
fsr-3265	166	31	stocks	stock	NOUN
fsr-3265	166	32	.	.	PUNCT
fsr-3265	167	1	furthermore	furthermore	ADV
fsr-3265	167	2	,	,	PUNCT
fsr-3265	167	3	the	the	DET
fsr-3265	167	4	exclusion	exclusion	NOUN
fsr-3265	167	5	of	of	ADP
fsr-3265	167	6	gpa	gpa	PROPN
fsr-3265	167	7	from	from	ADP
fsr-3265	167	8	the	the	DET
fsr-3265	167	9	stock	stock	NOUN
fsr-3265	167	10	allocation	allocation	NOUN
fsr-3265	167	11	equation	equation	NOUN
fsr-3265	167	12	avoids	avoid	VERB
fsr-3265	167	13	any	any	DET
fsr-3265	167	14	problems	problem	NOUN
fsr-3265	167	15	for	for	ADP
fsr-3265	167	16	identification	identification	NOUN
fsr-3265	167	17	with	with	ADP
fsr-3265	167	18	the	the	DET
fsr-3265	167	19	heckman	heckman	PROPN
fsr-3265	167	20	two	two	NUM
fsr-3265	167	21	-	-	PUNCT
fsr-3265	167	22	stage	stage	NOUN
fsr-3265	167	23	selection	selection	NOUN
fsr-3265	167	24	model.12	model.12	PROPN
fsr-3265	167	25	thus	thus	ADV
fsr-3265	167	26	,	,	PUNCT
fsr-3265	167	27	we	we	PRON
fsr-3265	167	28	assume	assume	VERB
fsr-3265	167	29	that	that	SCONJ
fsr-3265	167	30	respondents	respondent	NOUN
fsr-3265	167	31	’	'	PUNCT
fsr-3265	167	32	gpa	gpa	PROPN
fsr-3265	167	33	has	have	VERB
fsr-3265	167	34	no	no	DET
fsr-3265	167	35	direct	direct	ADJ
fsr-3265	167	36	effect	effect	NOUN
fsr-3265	167	37	on	on	ADP
fsr-3265	167	38	stock	stock	NOUN
fsr-3265	167	39	allocation	allocation	NOUN
fsr-3265	167	40	.	.	PUNCT
fsr-3265	168	1	finally	finally	ADV
fsr-3265	168	2	,	,	PUNCT
fsr-3265	168	3	we	we	PRON
fsr-3265	168	4	control	control	VERB
fsr-3265	168	5	for	for	ADP
fsr-3265	168	6	individual	individual	ADJ
fsr-3265	168	7	demographic	demographic	ADJ
fsr-3265	168	8	characteristics	characteristic	NOUN
fsr-3265	168	9	:	:	PUNCT
fsr-3265	168	10	gender	gender	NOUN
fsr-3265	168	11	(	(	PUNCT
fsr-3265	168	12	female	female	ADJ
fsr-3265	168	13	�	�	PROPN
fsr-3265	168	14	1	1	NUM
fsr-3265	168	15	)	)	PUNCT
fsr-3265	168	16	,	,	PUNCT
fsr-3265	168	17	age	age	NOUN
fsr-3265	168	18	,	,	PUNCT
fsr-3265	168	19	and	and	CCONJ
fsr-3265	168	20	ethnicity	ethnicity	NOUN
fsr-3265	168	21	(	(	PUNCT
fsr-3265	168	22	white	white	PROPN
fsr-3265	168	23	�	�	PROPN
fsr-3265	168	24	1	1	NUM
fsr-3265	168	25	,	,	PUNCT
fsr-3265	168	26	otherwise	otherwise	ADV
fsr-3265	168	27	�	�	PROPN
fsr-3265	168	28	0	0	NUM
fsr-3265	168	29	)	)	PUNCT
fsr-3265	168	30	.	.	PUNCT
fsr-3265	169	1	4	4	X
fsr-3265	169	2	.	.	X
fsr-3265	169	3	results	result	VERB
fsr-3265	169	4	4.1	4.1	NUM
fsr-3265	169	5	.	.	PUNCT
fsr-3265	170	1	descriptive	descriptive	ADJ
fsr-3265	170	2	statistics	statistic	NOUN
fsr-3265	170	3	table	table	NOUN
fsr-3265	170	4	3	3	NUM
fsr-3265	170	5	presents	present	VERB
fsr-3265	170	6	descriptive	descriptive	ADJ
fsr-3265	170	7	statistics	statistic	NOUN
fsr-3265	170	8	of	of	ADP
fsr-3265	170	9	the	the	DET
fsr-3265	170	10	sample	sample	NOUN
fsr-3265	170	11	.	.	PUNCT
fsr-3265	171	1	the	the	DET
fsr-3265	171	2	mean	mean	ADJ
fsr-3265	171	3	score	score	NOUN
fsr-3265	171	4	of	of	ADP
fsr-3265	171	5	respondents	respondent	NOUN
fsr-3265	171	6	’	'	PUNCT
fsr-3265	171	7	financial	financial	ADJ
fsr-3265	171	8	literacy	literacy	NOUN
fsr-3265	171	9	is	be	AUX
fsr-3265	171	10	4.1	4.1	NUM
fsr-3265	171	11	,	,	PUNCT
fsr-3265	171	12	which	which	PRON
fsr-3265	171	13	is	be	AUX
fsr-3265	171	14	greater	great	ADJ
fsr-3265	171	15	than	than	ADP
fsr-3265	171	16	the	the	DET
fsr-3265	171	17	3.4	3.4	NUM
fsr-3265	171	18	that	that	DET
fsr-3265	171	19	lusardi	lusardi	NOUN
fsr-3265	171	20	(	(	PUNCT
fsr-3265	171	21	2011	2011	NUM
fsr-3265	171	22	)	)	PUNCT
fsr-3265	171	23	reported	report	VERB
fsr-3265	171	24	for	for	ADP
fsr-3265	171	25	college	college	NOUN
fsr-3265	171	26	graduates	graduate	NOUN
fsr-3265	171	27	or	or	CCONJ
fsr-3265	171	28	higher	high	ADJ
fsr-3265	171	29	in	in	ADP
fsr-3265	171	30	the	the	DET
fsr-3265	171	31	national	national	ADJ
fsr-3265	171	32	survey	survey	PROPN
fsr-3265	171	33	sample	sample	NOUN
fsr-3265	171	34	of	of	ADP
fsr-3265	171	35	1,488	1,488	NUM
fsr-3265	171	36	adults	adult	NOUN
fsr-3265	171	37	in	in	ADP
fsr-3265	171	38	2009	2009	NUM
fsr-3265	171	39	.	.	PUNCT
fsr-3265	172	1	the	the	DET
fsr-3265	172	2	higher	high	ADJ
fsr-3265	172	3	score	score	NOUN
fsr-3265	172	4	of	of	ADP
fsr-3265	172	5	financial	financial	ADJ
fsr-3265	172	6	literacy	literacy	NOUN
fsr-3265	172	7	may	may	AUX
fsr-3265	172	8	result	result	VERB
fsr-3265	172	9	from	from	ADP
fsr-3265	172	10	our	our	PRON
fsr-3265	172	11	sample	sample	NOUN
fsr-3265	172	12	characteristics	characteristic	NOUN
fsr-3265	172	13	that	that	PRON
fsr-3265	172	14	all	all	DET
fsr-3265	172	15	respondents	respondent	NOUN
fsr-3265	172	16	are	be	AUX
fsr-3265	172	17	business	business	NOUN
fsr-3265	172	18	students	student	NOUN
fsr-3265	172	19	.	.	PUNCT
fsr-3265	173	1	for	for	ADP
fsr-3265	173	2	financial	financial	ADJ
fsr-3265	173	3	networks	network	NOUN
fsr-3265	173	4	,	,	PUNCT
fsr-3265	173	5	the	the	DET
fsr-3265	173	6	respondents	respondent	NOUN
fsr-3265	173	7	in	in	ADP
fsr-3265	173	8	the	the	DET
fsr-3265	173	9	sample	sample	NOUN
fsr-3265	173	10	identify	identify	VERB
fsr-3265	173	11	,	,	PUNCT
fsr-3265	173	12	on	on	ADP
fsr-3265	173	13	average	average	ADJ
fsr-3265	173	14	,	,	PUNCT
fsr-3265	173	15	4–5	4–5	NUM
fsr-3265	173	16	people	people	NOUN
fsr-3265	173	17	from	from	ADP
fsr-3265	173	18	whom	whom	PRON
fsr-3265	173	19	they	they	PRON
fsr-3265	173	20	have	have	AUX
fsr-3265	173	21	obtained	obtain	VERB
fsr-3265	173	22	financial	financial	ADJ
fsr-3265	173	23	or	or	CCONJ
fsr-3265	173	24	investment	investment	NOUN
fsr-3265	173	25	information	information	NOUN
fsr-3265	173	26	.	.	PUNCT
fsr-3265	174	1	the	the	DET
fsr-3265	174	2	average	average	ADJ
fsr-3265	174	3	financial	financial	ADJ
fsr-3265	174	4	network	network	NOUN
fsr-3265	174	5	intensity	intensity	NOUN
fsr-3265	174	6	is	be	AUX
fsr-3265	174	7	0.28	0.28	NUM
fsr-3265	174	8	.	.	PUNCT
fsr-3265	175	1	this	this	PRON
fsr-3265	175	2	indicates	indicate	VERB
fsr-3265	175	3	that	that	SCONJ
fsr-3265	175	4	,	,	PUNCT
fsr-3265	175	5	for	for	ADP
fsr-3265	175	6	example	example	NOUN
fsr-3265	175	7	,	,	PUNCT
fsr-3265	175	8	when	when	SCONJ
fsr-3265	175	9	a	a	DET
fsr-3265	175	10	respondent	respondent	NOUN
fsr-3265	175	11	has	have	VERB
fsr-3265	175	12	five	five	NUM
fsr-3265	175	13	persons	person	NOUN
fsr-3265	175	14	in	in	ADP
fsr-3265	175	15	his	his	PRON
fsr-3265	175	16	or	or	CCONJ
fsr-3265	175	17	her	her	PRON
fsr-3265	175	18	financial	financial	ADJ
fsr-3265	175	19	network	network	NOUN
fsr-3265	175	20	who	who	PRON
fsr-3265	175	21	all	all	PRON
fsr-3265	175	22	are	be	AUX
fsr-3265	175	23	financially	financially	ADV
fsr-3265	175	24	literate	literate	ADJ
fsr-3265	175	25	,	,	PUNCT
fsr-3265	175	26	he	he	PRON
fsr-3265	175	27	or	or	CCONJ
fsr-3265	175	28	she	she	PRON
fsr-3265	175	29	has	have	AUX
fsr-3265	175	30	contacted	contact	VERB
fsr-3265	175	31	one	one	NUM
fsr-3265	175	32	person	person	NOUN
fsr-3265	175	33	at	at	ADP
fsr-3265	175	34	the	the	DET
fsr-3265	175	35	frequency	frequency	NOUN
fsr-3265	175	36	of	of	ADP
fsr-3265	175	37	“	"	PUNCT
fsr-3265	175	38	once	once	ADV
fsr-3265	175	39	a	a	DET
fsr-3265	175	40	month	month	NOUN
fsr-3265	175	41	”	"	PUNCT
fsr-3265	175	42	but	but	CCONJ
fsr-3265	175	43	the	the	DET
fsr-3265	175	44	other	other	ADJ
fsr-3265	175	45	four	four	NUM
fsr-3265	175	46	persons	person	NOUN
fsr-3265	175	47	at	at	ADP
fsr-3265	175	48	the	the	DET
fsr-3265	175	49	frequency	frequency	NOUN
fsr-3265	175	50	of	of	ADP
fsr-3265	175	51	“	"	PUNCT
fsr-3265	175	52	once	once	ADV
fsr-3265	175	53	a	a	DET
fsr-3265	175	54	year	year	NOUN
fsr-3265	175	55	or	or	CCONJ
fsr-3265	175	56	less	less	ADJ
fsr-3265	175	57	.	.	PUNCT
fsr-3265	175	58	”	"	PUNCT
fsr-3265	176	1	for	for	ADP
fsr-3265	176	2	risk	risk	NOUN
fsr-3265	176	3	tolerance	tolerance	NOUN
fsr-3265	176	4	,	,	PUNCT
fsr-3265	176	5	our	our	PRON
fsr-3265	176	6	respondents	respondent	NOUN
fsr-3265	176	7	have	have	VERB
fsr-3265	176	8	an	an	DET
fsr-3265	176	9	average	average	ADJ
fsr-3265	176	10	score	score	NOUN
fsr-3265	176	11	of	of	ADP
fsr-3265	176	12	26.49	26.49	NUM
fsr-3265	176	13	,	,	PUNCT
fsr-3265	176	14	which	which	PRON
fsr-3265	176	15	is	be	AUX
fsr-3265	176	16	close	close	ADJ
fsr-3265	176	17	to	to	ADP
fsr-3265	176	18	the	the	DET
fsr-3265	176	19	average	average	ADJ
fsr-3265	176	20	scores	score	NOUN
fsr-3265	176	21	of	of	ADP
fsr-3265	176	22	28.83	28.83	NUM
fsr-3265	176	23	and	and	CCONJ
fsr-3265	176	24	27.03	27.03	NUM
fsr-3265	176	25	reported	report	VERB
fsr-3265	176	26	by	by	ADP
fsr-3265	176	27	grable	grable	PROPN
fsr-3265	176	28	and	and	CCONJ
fsr-3265	176	29	lytton	lytton	PROPN
fsr-3265	176	30	(	(	PUNCT
fsr-3265	176	31	2003	2003	NUM
fsr-3265	176	32	)	)	PUNCT
fsr-3265	176	33	and	and	CCONJ
fsr-3265	176	34	grable	grable	PROPN
fsr-3265	176	35	,	,	PUNCT
fsr-3265	176	36	lytton	lytton	PROPN
fsr-3265	176	37	,	,	PUNCT
fsr-3265	176	38	and	and	CCONJ
fsr-3265	176	39	o’neill	o’neill	INTJ
fsr-3265	176	40	(	(	PUNCT
fsr-3265	176	41	2004	2004	NUM
fsr-3265	176	42	)	)	PUNCT
fsr-3265	176	43	,	,	PUNCT
fsr-3265	176	44	respectively	respectively	ADV
fsr-3265	176	45	.	.	PUNCT
fsr-3265	177	1	about	about	ADV
fsr-3265	177	2	39	39	NUM
fsr-3265	177	3	%	%	NOUN
fsr-3265	177	4	of	of	ADP
fsr-3265	177	5	our	our	PRON
fsr-3265	177	6	respondents	respondent	NOUN
fsr-3265	177	7	have	have	VERB
fsr-3265	177	8	investment	investment	NOUN
fsr-3265	177	9	experience	experience	NOUN
fsr-3265	177	10	.	.	PUNCT
fsr-3265	178	1	female	female	ADJ
fsr-3265	178	2	respondents	respondent	NOUN
fsr-3265	178	3	consist	consist	VERB
fsr-3265	178	4	of	of	ADP
fsr-3265	178	5	41	41	NUM
fsr-3265	178	6	%	%	NOUN
fsr-3265	178	7	of	of	ADP
fsr-3265	178	8	the	the	DET
fsr-3265	178	9	sample	sample	NOUN
fsr-3265	178	10	.	.	PUNCT
fsr-3265	179	1	respondents	respondent	NOUN
fsr-3265	179	2	’	'	PUNCT
fsr-3265	179	3	age	age	NOUN
fsr-3265	179	4	ranges	range	VERB
fsr-3265	179	5	from	from	ADP
fsr-3265	179	6	20	20	NUM
fsr-3265	179	7	to	to	PART
fsr-3265	179	8	26	26	NUM
fsr-3265	179	9	with	with	ADP
fsr-3265	179	10	a	a	DET
fsr-3265	179	11	mean	mean	ADJ
fsr-3265	179	12	age	age	NOUN
fsr-3265	179	13	of	of	ADP
fsr-3265	179	14	22.1	22.1	NUM
fsr-3265	179	15	.	.	PUNCT
fsr-3265	180	1	about	about	ADV
fsr-3265	180	2	87	87	NUM
fsr-3265	180	3	%	%	NOUN
fsr-3265	180	4	of	of	ADP
fsr-3265	180	5	the	the	DET
fsr-3265	180	6	respondents	respondent	NOUN
fsr-3265	180	7	are	be	AUX
fsr-3265	180	8	white	white	ADJ
fsr-3265	180	9	.	.	PUNCT
fsr-3265	181	1	panel	panel	NOUN
fsr-3265	181	2	b	b	PROPN
fsr-3265	181	3	of	of	ADP
fsr-3265	181	4	the	the	DET
fsr-3265	181	5	table	table	NOUN
fsr-3265	181	6	reports	report	VERB
fsr-3265	181	7	correlation	correlation	NOUN
fsr-3265	181	8	coefficients	coefficient	NOUN
fsr-3265	181	9	between	between	ADP
fsr-3265	181	10	respondents	respondent	NOUN
fsr-3265	181	11	’	'	PUNCT
fsr-3265	181	12	selection	selection	NOUN
fsr-3265	181	13	of	of	ADP
fsr-3265	181	14	“	"	PUNCT
fsr-3265	181	15	no	no	DET
fsr-3265	181	16	default	default	NOUN
fsr-3265	181	17	,	,	PUNCT
fsr-3265	181	18	”	"	PUNCT
fsr-3265	181	19	stock	stock	NOUN
fsr-3265	181	20	allocation	allocation	NOUN
fsr-3265	181	21	,	,	PUNCT
fsr-3265	181	22	financial	financial	ADJ
fsr-3265	181	23	literacy	literacy	NOUN
fsr-3265	181	24	,	,	PUNCT
fsr-3265	181	25	and	and	CCONJ
fsr-3265	181	26	financial	financial	ADJ
fsr-3265	181	27	network	network	NOUN
fsr-3265	181	28	variables	variable	NOUN
fsr-3265	181	29	.	.	PUNCT
fsr-3265	182	1	in	in	ADP
fsr-3265	182	2	particular	particular	ADJ
fsr-3265	182	3	,	,	PUNCT
fsr-3265	182	4	the	the	DET
fsr-3265	182	5	variables	variable	NOUN
fsr-3265	182	6	of	of	ADP
fsr-3265	182	7	financial	financial	ADJ
fsr-3265	182	8	literacy	literacy	NOUN
fsr-3265	182	9	,	,	PUNCT
fsr-3265	182	10	financial	financial	ADJ
fsr-3265	182	11	network	network	NOUN
fsr-3265	182	12	size	size	NOUN
fsr-3265	182	13	,	,	PUNCT
fsr-3265	182	14	and	and	CCONJ
fsr-3265	182	15	financial	financial	ADJ
fsr-3265	182	16	network	network	NOUN
fsr-3265	182	17	intensity	intensity	NOUN
fsr-3265	182	18	are	be	AUX
fsr-3265	182	19	not	not	PART
fsr-3265	182	20	significantly	significantly	ADV
fsr-3265	182	21	correlated	correlate	VERB
fsr-3265	182	22	with	with	ADP
fsr-3265	182	23	each	each	DET
fsr-3265	182	24	other	other	ADJ
fsr-3265	182	25	.	.	PUNCT
fsr-3265	183	1	hence	hence	ADV
fsr-3265	183	2	,	,	PUNCT
fsr-3265	183	3	an	an	DET
fsr-3265	183	4	inclusion	inclusion	NOUN
fsr-3265	183	5	of	of	ADP
fsr-3265	183	6	these	these	DET
fsr-3265	183	7	three	three	NUM
fsr-3265	183	8	variables	variable	NOUN
fsr-3265	183	9	in	in	ADP
fsr-3265	183	10	the	the	DET
fsr-3265	183	11	same	same	ADJ
fsr-3265	183	12	regression	regression	NOUN
fsr-3265	183	13	equation	equation	NOUN
fsr-3265	183	14	would	would	AUX
fsr-3265	183	15	not	not	PART
fsr-3265	183	16	incur	incur	VERB
fsr-3265	183	17	significant	significant	ADJ
fsr-3265	183	18	multi	multi	ADJ
fsr-3265	183	19	-	-	ADJ
fsr-3265	183	20	collinearity	collinearity	ADJ
fsr-3265	183	21	problems	problem	NOUN
fsr-3265	183	22	among	among	ADP
fsr-3265	183	23	the	the	DET
fsr-3265	183	24	variables	variable	NOUN
fsr-3265	183	25	.	.	PUNCT
fsr-3265	184	1	4.2	4.2	NUM
fsr-3265	184	2	.	.	PUNCT
fsr-3265	184	3	effects	effect	NOUN
fsr-3265	184	4	of	of	ADP
fsr-3265	184	5	financial	financial	ADJ
fsr-3265	184	6	literacy	literacy	NOUN
fsr-3265	184	7	and	and	CCONJ
fsr-3265	184	8	financial	financial	ADJ
fsr-3265	184	9	network	network	NOUN
fsr-3265	184	10	intensity	intensity	NOUN
fsr-3265	184	11	on	on	ADP
fsr-3265	184	12	retirement	retirement	NOUN
fsr-3265	184	13	investments	investment	NOUN
fsr-3265	184	14	to	to	PART
fsr-3265	184	15	examine	examine	VERB
fsr-3265	184	16	the	the	DET
fsr-3265	184	17	effects	effect	NOUN
fsr-3265	184	18	of	of	ADP
fsr-3265	184	19	financial	financial	ADJ
fsr-3265	184	20	literacy	literacy	NOUN
fsr-3265	184	21	and	and	CCONJ
fsr-3265	184	22	financial	financial	ADJ
fsr-3265	184	23	networks	network	NOUN
fsr-3265	184	24	on	on	ADP
fsr-3265	184	25	respondents	respondent	NOUN
fsr-3265	184	26	’	'	PUNCT
fsr-3265	184	27	investment	investment	NOUN
fsr-3265	184	28	decisions	decision	NOUN
fsr-3265	184	29	for	for	ADP
fsr-3265	184	30	retirement	retirement	NOUN
fsr-3265	184	31	,	,	PUNCT
fsr-3265	184	32	we	we	PRON
fsr-3265	184	33	use	use	VERB
fsr-3265	184	34	the	the	DET
fsr-3265	184	35	heckman	heckman	PROPN
fsr-3265	184	36	two	two	NUM
fsr-3265	184	37	-	-	PUNCT
fsr-3265	184	38	stage	stage	NOUN
fsr-3265	184	39	selection	selection	NOUN
fsr-3265	184	40	model	model	NOUN
fsr-3265	184	41	de87y	de87y	PROPN
fsr-3265	184	42	.	.	PUNCT
fsr-3265	185	1	chung	chung	PROPN
fsr-3265	185	2	,	,	PUNCT
fsr-3265	185	3	y.	y.	PROPN
fsr-3265	185	4	park	park	PROPN
fsr-3265	185	5	/	/	SYM
fsr-3265	185	6	financial	financial	ADJ
fsr-3265	185	7	services	service	NOUN
fsr-3265	185	8	review	review	VERB
fsr-3265	185	9	24	24	NUM
fsr-3265	185	10	(	(	PUNCT
fsr-3265	185	11	2015	2015	NUM
fsr-3265	185	12	)	)	PUNCT
fsr-3265	186	1	77–99	77–99	NUM
fsr-3265	186	2	scribed	scribe	VERB
fsr-3265	186	3	in	in	ADP
fsr-3265	186	4	eqs	eqs	PROPN
fsr-3265	186	5	.	.	PUNCT
fsr-3265	187	1	(	(	PUNCT
fsr-3265	187	2	1	1	X
fsr-3265	187	3	)	)	PUNCT
fsr-3265	187	4	and	and	CCONJ
fsr-3265	187	5	(	(	PUNCT
fsr-3265	187	6	2	2	NUM
fsr-3265	187	7	)	)	PUNCT
fsr-3265	187	8	.	.	PUNCT
fsr-3265	188	1	column	column	NOUN
fsr-3265	188	2	1	1	NUM
fsr-3265	188	3	of	of	ADP
fsr-3265	188	4	table	table	NOUN
fsr-3265	188	5	4	4	NUM
fsr-3265	188	6	presents	present	NOUN
fsr-3265	188	7	regression	regression	NOUN
fsr-3265	188	8	results	result	NOUN
fsr-3265	188	9	of	of	ADP
fsr-3265	188	10	the	the	DET
fsr-3265	188	11	two	two	NUM
fsr-3265	188	12	-	-	PUNCT
fsr-3265	188	13	stage	stage	NOUN
fsr-3265	188	14	selection	selection	NOUN
fsr-3265	188	15	model	model	NOUN
fsr-3265	188	16	:	:	PUNCT
fsr-3265	188	17	column	column	PROPN
fsr-3265	188	18	1a	1a	PROPN
fsr-3265	188	19	presents	present	VERB
fsr-3265	188	20	probit	probit	NOUN
fsr-3265	188	21	regression	regression	NOUN
fsr-3265	188	22	results	result	NOUN
fsr-3265	188	23	for	for	ADP
fsr-3265	188	24	decisions	decision	NOUN
fsr-3265	188	25	on	on	ADP
fsr-3265	188	26	the	the	DET
fsr-3265	188	27	default	default	NOUN
fsr-3265	188	28	option	option	NOUN
fsr-3265	188	29	(	(	PUNCT
fsr-3265	188	30	the	the	DET
fsr-3265	188	31	first	first	ADJ
fsr-3265	188	32	stage	stage	NOUN
fsr-3265	188	33	)	)	PUNCT
fsr-3265	188	34	,	,	PUNCT
fsr-3265	188	35	whereas	whereas	SCONJ
fsr-3265	188	36	column	column	NOUN
fsr-3265	188	37	1b	1b	PROPN
fsr-3265	188	38	presents	present	VERB
fsr-3265	188	39	ordinary	ordinary	ADJ
fsr-3265	188	40	least	least	ADJ
fsr-3265	188	41	square	square	ADJ
fsr-3265	188	42	regression	regression	NOUN
fsr-3265	188	43	results	result	NOUN
fsr-3265	188	44	for	for	ADP
fsr-3265	188	45	stock	stock	NOUN
fsr-3265	188	46	allocation	allocation	NOUN
fsr-3265	188	47	(	(	PUNCT
fsr-3265	188	48	the	the	DET
fsr-3265	188	49	second	second	ADJ
fsr-3265	188	50	stage	stage	NOUN
fsr-3265	188	51	)	)	PUNCT
fsr-3265	188	52	.	.	PUNCT
fsr-3265	189	1	about	about	ADV
fsr-3265	189	2	two	two	NUM
fsr-3265	189	3	-	-	PUNCT
fsr-3265	189	4	thirds	third	NOUN
fsr-3265	189	5	of	of	ADP
fsr-3265	189	6	the	the	DET
fsr-3265	189	7	97	97	NUM
fsr-3265	189	8	respondents	respondent	NOUN
fsr-3265	189	9	select	select	VERB
fsr-3265	189	10	“	"	PUNCT
fsr-3265	189	11	no	no	DET
fsr-3265	189	12	default	default	NOUN
fsr-3265	189	13	,	,	PUNCT
fsr-3265	189	14	”	"	PUNCT
fsr-3265	189	15	and	and	CCONJ
fsr-3265	189	16	they	they	PRON
fsr-3265	189	17	build	build	VERB
fsr-3265	189	18	their	their	PRON
fsr-3265	189	19	own	own	ADJ
fsr-3265	189	20	retirement	retirement	NOUN
fsr-3265	189	21	portfolios	portfolio	NOUN
fsr-3265	189	22	.	.	PUNCT
fsr-3265	190	1	since	since	SCONJ
fsr-3265	190	2	we	we	PRON
fsr-3265	190	3	ask	ask	VERB
fsr-3265	190	4	respondents	respondent	NOUN
fsr-3265	190	5	to	to	PART
fsr-3265	190	6	build	build	VERB
fsr-3265	190	7	their	their	PRON
fsr-3265	190	8	retirement	retirement	NOUN
fsr-3265	190	9	investment	investment	NOUN
fsr-3265	190	10	portfolios	portfolio	NOUN
fsr-3265	190	11	only	only	ADV
fsr-3265	190	12	when	when	SCONJ
fsr-3265	190	13	they	they	PRON
fsr-3265	190	14	answer	answer	VERB
fsr-3265	190	15	“	"	PUNCT
fsr-3265	190	16	no	no	DET
fsr-3265	190	17	default	default	NOUN
fsr-3265	190	18	”	"	PUNCT
fsr-3265	190	19	for	for	ADP
fsr-3265	190	20	the	the	DET
fsr-3265	190	21	default	default	NOUN
fsr-3265	190	22	investment	investment	NOUN
fsr-3265	190	23	option	option	NOUN
fsr-3265	190	24	(	(	PUNCT
fsr-3265	190	25	a	a	DET
fsr-3265	190	26	money	money	NOUN
fsr-3265	190	27	market	market	NOUN
fsr-3265	190	28	fund	fund	NOUN
fsr-3265	190	29	)	)	PUNCT
fsr-3265	190	30	,	,	PUNCT
fsr-3265	190	31	the	the	DET
fsr-3265	190	32	two	two	NUM
fsr-3265	190	33	-	-	PUNCT
fsr-3265	190	34	stage	stage	NOUN
fsr-3265	190	35	selection	selection	NOUN
fsr-3265	190	36	model	model	NOUN
fsr-3265	190	37	would	would	AUX
fsr-3265	190	38	overcome	overcome	VERB
fsr-3265	190	39	a	a	DET
fsr-3265	190	40	potential	potential	ADJ
fsr-3265	190	41	selection	selection	NOUN
fsr-3265	190	42	bias	bias	NOUN
fsr-3265	190	43	problem	problem	NOUN
fsr-3265	190	44	that	that	SCONJ
fsr-3265	190	45	the	the	DET
fsr-3265	190	46	error	error	NOUN
fsr-3265	190	47	term	term	NOUN
fsr-3265	190	48	(	(	PUNCT
fsr-3265	190	49	�	�	NOUN
fsr-3265	190	50	i	i	NOUN
fsr-3265	190	51	)	)	PUNCT
fsr-3265	190	52	in	in	ADP
fsr-3265	190	53	the	the	DET
fsr-3265	190	54	stock	stock	NOUN
fsr-3265	190	55	allocation	allocation	NOUN
fsr-3265	190	56	equation	equation	NOUN
fsr-3265	190	57	is	be	AUX
fsr-3265	190	58	correlated	correlate	VERB
fsr-3265	190	59	with	with	ADP
fsr-3265	190	60	the	the	DET
fsr-3265	190	61	error	error	NOUN
fsr-3265	190	62	term	term	NOUN
fsr-3265	190	63	(	(	PUNCT
fsr-3265	190	64	ui	ui	NOUN
fsr-3265	190	65	)	)	PUNCT
fsr-3265	190	66	in	in	ADP
fsr-3265	190	67	the	the	DET
fsr-3265	190	68	selection	selection	NOUN
fsr-3265	190	69	equation	equation	NOUN
fsr-3265	190	70	.	.	PUNCT
fsr-3265	191	1	first	first	ADV
fsr-3265	191	2	,	,	PUNCT
fsr-3265	191	3	respondents	respondent	NOUN
fsr-3265	191	4	’	'	PUNCT
fsr-3265	191	5	financial	financial	ADJ
fsr-3265	191	6	literacy	literacy	NOUN
fsr-3265	191	7	is	be	AUX
fsr-3265	191	8	significantly	significantly	ADV
fsr-3265	191	9	positively	positively	ADV
fsr-3265	191	10	related	relate	VERB
fsr-3265	191	11	to	to	ADP
fsr-3265	191	12	a	a	DET
fsr-3265	191	13	choice	choice	NOUN
fsr-3265	191	14	of	of	ADP
fsr-3265	191	15	“	"	PUNCT
fsr-3265	191	16	no	no	DET
fsr-3265	191	17	default	default	NOUN
fsr-3265	191	18	”	"	PUNCT
fsr-3265	191	19	(	(	PUNCT
fsr-3265	191	20	column	column	NOUN
fsr-3265	191	21	1a	1a	X
fsr-3265	191	22	)	)	PUNCT
fsr-3265	191	23	and	and	CCONJ
fsr-3265	191	24	stock	stock	NOUN
fsr-3265	191	25	allocation	allocation	NOUN
fsr-3265	191	26	(	(	PUNCT
fsr-3265	191	27	column	column	NOUN
fsr-3265	191	28	1b	1b	NUM
fsr-3265	191	29	)	)	PUNCT
fsr-3265	191	30	.	.	PUNCT
fsr-3265	192	1	for	for	ADP
fsr-3265	192	2	example	example	NOUN
fsr-3265	192	3	,	,	PUNCT
fsr-3265	192	4	if	if	SCONJ
fsr-3265	192	5	a	a	DET
fsr-3265	192	6	respondent	respondent	NOUN
fsr-3265	192	7	’s	’s	PART
fsr-3265	192	8	financial	financial	ADJ
fsr-3265	192	9	literacy	literacy	NOUN
fsr-3265	192	10	score	score	NOUN
fsr-3265	192	11	increases	increase	NOUN
fsr-3265	192	12	from	from	ADP
fsr-3265	192	13	4	4	NUM
fsr-3265	192	14	to	to	PART
fsr-3265	192	15	5	5	NUM
fsr-3265	192	16	(	(	PUNCT
fsr-3265	192	17	the	the	DET
fsr-3265	192	18	largest	large	ADJ
fsr-3265	192	19	score	score	NOUN
fsr-3265	192	20	)	)	PUNCT
fsr-3265	192	21	,	,	PUNCT
fsr-3265	192	22	the	the	DET
fsr-3265	192	23	probability	probability	NOUN
fsr-3265	192	24	of	of	ADP
fsr-3265	192	25	selecting	select	VERB
fsr-3265	192	26	“	"	PUNCT
fsr-3265	192	27	no	no	DET
fsr-3265	192	28	default	default	NOUN
fsr-3265	192	29	”	"	PUNCT
fsr-3265	192	30	increases	increase	NOUN
fsr-3265	192	31	by	by	ADP
fsr-3265	192	32	0.189	0.189	NUM
fsr-3265	192	33	(	(	PUNCT
fsr-3265	192	34	from	from	ADP
fsr-3265	192	35	0.708	0.708	NUM
fsr-3265	192	36	to	to	ADP
fsr-3265	192	37	0.897	0.897	NUM
fsr-3265	192	38	)	)	PUNCT
fsr-3265	192	39	and	and	CCONJ
fsr-3265	192	40	stock	stock	NOUN
fsr-3265	192	41	allocation	allocation	NOUN
fsr-3265	192	42	increases	increase	NOUN
fsr-3265	192	43	by	by	ADP
fsr-3265	192	44	12.7	12.7	NUM
fsr-3265	192	45	percentage	percentage	NOUN
fsr-3265	192	46	points	point	NOUN
fsr-3265	192	47	(	(	PUNCT
fsr-3265	192	48	from	from	ADP
fsr-3265	192	49	48.4	48.4	NUM
fsr-3265	192	50	to	to	PART
fsr-3265	192	51	61.0	61.0	NUM
fsr-3265	192	52	%	%	NOUN
fsr-3265	192	53	)	)	PUNCT
fsr-3265	192	54	,	,	PUNCT
fsr-3265	192	55	with	with	ADP
fsr-3265	192	56	the	the	DET
fsr-3265	192	57	other	other	ADJ
fsr-3265	192	58	variables	variable	NOUN
fsr-3265	192	59	held	hold	VERB
fsr-3265	192	60	at	at	ADP
fsr-3265	192	61	their	their	PRON
fsr-3265	192	62	mean	mean	ADJ
fsr-3265	192	63	values	value	NOUN
fsr-3265	192	64	.	.	PUNCT
fsr-3265	193	1	the	the	DET
fsr-3265	193	2	results	result	NOUN
fsr-3265	193	3	support	support	VERB
fsr-3265	193	4	hypotheses	hypothesis	NOUN
fsr-3265	193	5	h1a	h1a	NOUN
fsr-3265	193	6	(	(	PUNCT
fsr-3265	193	7	a	a	DET
fsr-3265	193	8	positive	positive	ADJ
fsr-3265	193	9	relationship	relationship	NOUN
fsr-3265	193	10	between	between	ADP
fsr-3265	193	11	financial	financial	ADJ
fsr-3265	193	12	literacy	literacy	NOUN
fsr-3265	193	13	and	and	CCONJ
fsr-3265	193	14	a	a	DET
fsr-3265	193	15	table	table	NOUN
fsr-3265	193	16	3	3	NUM
fsr-3265	193	17	sample	sample	NOUN
fsr-3265	193	18	descriptive	descriptive	ADJ
fsr-3265	193	19	statistics	statistic	NOUN
fsr-3265	193	20	and	and	CCONJ
fsr-3265	193	21	correlation	correlation	NOUN
fsr-3265	193	22	panel	panel	NOUN
fsr-3265	193	23	a	a	DET
fsr-3265	193	24	:	:	PUNCT
fsr-3265	193	25	descriptive	descriptive	ADJ
fsr-3265	193	26	statistics	statistic	NOUN
fsr-3265	193	27	variables	variable	VERB
fsr-3265	193	28	number	number	NOUN
fsr-3265	193	29	of	of	ADP
fsr-3265	193	30	obs	obs	PROPN
fsr-3265	193	31	.	.	PUNCT
fsr-3265	194	1	min	min	PROPN
fsr-3265	194	2	max	max	PROPN
fsr-3265	194	3	median	median	PROPN
fsr-3265	194	4	mean	mean	VERB
fsr-3265	194	5	sd	sd	ADP
fsr-3265	194	6	financial	financial	ADJ
fsr-3265	194	7	literacy	literacy	NOUN
fsr-3265	194	8	(	(	PUNCT
fsr-3265	194	9	score	score	NOUN
fsr-3265	194	10	)	)	PUNCT
fsr-3265	194	11	97	97	NUM
fsr-3265	194	12	2	2	NUM
fsr-3265	194	13	5	5	NUM
fsr-3265	194	14	4	4	NUM
fsr-3265	194	15	4.09	4.09	NUM
fsr-3265	194	16	0.84	0.84	NUM
fsr-3265	194	17	financial	financial	ADJ
fsr-3265	194	18	network	network	NOUN
fsr-3265	194	19	:	:	PUNCT
fsr-3265	194	20	size	size	NOUN
fsr-3265	194	21	97	97	NUM
fsr-3265	194	22	1	1	NUM
fsr-3265	194	23	10	10	NUM
fsr-3265	194	24	4	4	NUM
fsr-3265	194	25	4.60	4.60	NUM
fsr-3265	194	26	2.46	2.46	NUM
fsr-3265	194	27	intensity	intensity	NOUN
fsr-3265	194	28	97	97	NUM
fsr-3265	194	29	0	0	NUM
fsr-3265	194	30	0.92	0.92	NUM
fsr-3265	194	31	0.25	0.25	NUM
fsr-3265	194	32	0.28	0.28	NUM
fsr-3265	194	33	0.22	0.22	NUM
fsr-3265	194	34	risk	risk	NOUN
fsr-3265	194	35	tolerance	tolerance	NOUN
fsr-3265	194	36	(	(	PUNCT
fsr-3265	194	37	score	score	NOUN
fsr-3265	194	38	)	)	PUNCT
fsr-3265	194	39	97	97	NUM
fsr-3265	194	40	18	18	NUM
fsr-3265	194	41	37	37	NUM
fsr-3265	194	42	26	26	NUM
fsr-3265	194	43	26.49	26.49	NUM
fsr-3265	194	44	4.20	4.20	NUM
fsr-3265	194	45	investment	investment	NOUN
fsr-3265	194	46	experience	experience	NOUN
fsr-3265	194	47	(	(	PUNCT
fsr-3265	194	48	yes	yes	INTJ
fsr-3265	194	49	�	�	PROPN
fsr-3265	194	50	1	1	NUM
fsr-3265	194	51	)	)	PUNCT
fsr-3265	194	52	97	97	NUM
fsr-3265	194	53	0	0	NUM
fsr-3265	194	54	1	1	NUM
fsr-3265	194	55	0	0	NUM
fsr-3265	194	56	0.39	0.39	NUM
fsr-3265	194	57	0.49	0.49	NUM
fsr-3265	194	58	gender	gender	NOUN
fsr-3265	194	59	(	(	PUNCT
fsr-3265	194	60	female	female	ADJ
fsr-3265	194	61	�	�	PROPN
fsr-3265	194	62	1	1	NUM
fsr-3265	194	63	)	)	PUNCT
fsr-3265	194	64	97	97	NUM
fsr-3265	194	65	0	0	NUM
fsr-3265	194	66	1	1	NUM
fsr-3265	194	67	0	0	NUM
fsr-3265	194	68	0.41	0.41	NUM
fsr-3265	194	69	0.49	0.49	NUM
fsr-3265	194	70	age	age	NOUN
fsr-3265	194	71	97	97	NUM
fsr-3265	194	72	20	20	NUM
fsr-3265	194	73	26	26	NUM
fsr-3265	194	74	22	22	NUM
fsr-3265	194	75	22.06	22.06	NUM
fsr-3265	194	76	1.20	1.20	NUM
fsr-3265	194	77	ethnicity	ethnicity	NOUN
fsr-3265	194	78	(	(	PUNCT
fsr-3265	194	79	white	white	ADJ
fsr-3265	194	80	�	�	PROPN
fsr-3265	194	81	1	1	NUM
fsr-3265	194	82	)	)	PUNCT
fsr-3265	194	83	97	97	NUM
fsr-3265	194	84	0	0	NUM
fsr-3265	194	85	1	1	NUM
fsr-3265	194	86	1	1	NUM
fsr-3265	194	87	0.87	0.87	NUM
fsr-3265	194	88	0.34	0.34	NUM
fsr-3265	194	89	gpa	gpa	PROPN
fsr-3265	194	90	97	97	NUM
fsr-3265	194	91	1.90	1.90	NUM
fsr-3265	194	92	4.00	4.00	NUM
fsr-3265	194	93	3.11	3.11	NUM
fsr-3265	194	94	3.14	3.14	NUM
fsr-3265	194	95	0.41	0.41	NUM
fsr-3265	194	96	current	current	ADJ
fsr-3265	194	97	mood	mood	NOUN
fsr-3265	194	98	state	state	NOUN
fsr-3265	194	99	:	:	PUNCT
fsr-3265	194	100	positive	positive	ADJ
fsr-3265	194	101	(	(	PUNCT
fsr-3265	194	102	score	score	NOUN
fsr-3265	194	103	)	)	PUNCT
fsr-3265	194	104	97	97	NUM
fsr-3265	194	105	17	17	NUM
fsr-3265	194	106	46	46	NUM
fsr-3265	194	107	37	37	NUM
fsr-3265	194	108	37.24	37.24	NUM
fsr-3265	194	109	5.22	5.22	NUM
fsr-3265	194	110	negative	negative	ADJ
fsr-3265	194	111	(	(	PUNCT
fsr-3265	194	112	score	score	NOUN
fsr-3265	194	113	)	)	PUNCT
fsr-3265	194	114	97	97	NUM
fsr-3265	194	115	10	10	NUM
fsr-3265	194	116	33	33	NUM
fsr-3265	194	117	18	18	NUM
fsr-3265	194	118	18.56	18.56	NUM
fsr-3265	194	119	5.02	5.02	NUM
fsr-3265	194	120	selection	selection	NOUN
fsr-3265	194	121	of	of	ADP
fsr-3265	194	122	a	a	DET
fsr-3265	194	123	default	default	NOUN
fsr-3265	194	124	option	option	NOUN
fsr-3265	194	125	(	(	PUNCT
fsr-3265	194	126	“	"	PUNCT
fsr-3265	194	127	no	no	DET
fsr-3265	194	128	default	default	NOUN
fsr-3265	194	129	”	"	PUNCT
fsr-3265	194	130	�	�	PROPN
fsr-3265	194	131	1	1	NUM
fsr-3265	194	132	)	)	PUNCT
fsr-3265	194	133	97	97	NUM
fsr-3265	194	134	0	0	NUM
fsr-3265	194	135	1	1	NUM
fsr-3265	194	136	1	1	NUM
fsr-3265	194	137	0.66	0.66	NUM
fsr-3265	194	138	0.48	0.48	NUM
fsr-3265	194	139	contribution	contribution	NOUN
fsr-3265	194	140	allocation	allocation	NOUN
fsr-3265	194	141	to	to	ADP
fsr-3265	194	142	stock	stock	NOUN
fsr-3265	194	143	funds	fund	NOUN
fsr-3265	194	144	(	(	PUNCT
fsr-3265	194	145	for	for	ADP
fsr-3265	194	146	only	only	ADV
fsr-3265	194	147	those	those	PRON
fsr-3265	194	148	selecting	select	VERB
fsr-3265	194	149	“	"	PUNCT
fsr-3265	194	150	no	no	DET
fsr-3265	194	151	default	default	NOUN
fsr-3265	194	152	”	"	PUNCT
fsr-3265	194	153	)	)	PUNCT
fsr-3265	194	154	64	64	NUM
fsr-3265	194	155	0	0	NUM
fsr-3265	194	156	1.00	1.00	NUM
fsr-3265	194	157	0.50	0.50	NUM
fsr-3265	194	158	0.52	0.52	NUM
fsr-3265	194	159	0.20	0.20	NUM
fsr-3265	194	160	panel	panel	NOUN
fsr-3265	194	161	b	b	NOUN
fsr-3265	194	162	:	:	PUNCT
fsr-3265	194	163	correlations	correlation	NOUN
fsr-3265	194	164	of	of	ADP
fsr-3265	194	165	selection	selection	NOUN
fsr-3265	194	166	of	of	ADP
fsr-3265	194	167	no	no	DET
fsr-3265	194	168	default	default	NOUN
fsr-3265	194	169	,	,	PUNCT
fsr-3265	194	170	stock	stock	NOUN
fsr-3265	194	171	allocation	allocation	NOUN
fsr-3265	194	172	,	,	PUNCT
fsr-3265	194	173	financial	financial	ADJ
fsr-3265	194	174	literacy	literacy	NOUN
fsr-3265	194	175	,	,	PUNCT
fsr-3265	194	176	and	and	CCONJ
fsr-3265	194	177	financial	financial	ADJ
fsr-3265	194	178	networks	network	NOUN
fsr-3265	194	179	1	1	NUM
fsr-3265	194	180	2	2	NUM
fsr-3265	194	181	3	3	NUM
fsr-3265	194	182	4	4	NUM
fsr-3265	194	183	5	5	NUM
fsr-3265	194	184	1	1	NUM
fsr-3265	194	185	.	.	PUNCT
fsr-3265	194	186	selection	selection	NOUN
fsr-3265	194	187	of	of	ADP
fsr-3265	194	188	“	"	PUNCT
fsr-3265	194	189	no	no	DET
fsr-3265	194	190	default	default	NOUN
fsr-3265	194	191	”	"	PUNCT
fsr-3265	194	192	1.000	1.000	NUM
fsr-3265	194	193	2	2	NUM
fsr-3265	194	194	.	.	PUNCT
fsr-3265	194	195	stock	stock	NOUN
fsr-3265	194	196	allocation	allocation	NOUN
fsr-3265	194	197	(	(	PUNCT
fsr-3265	194	198	for	for	ADP
fsr-3265	194	199	only	only	ADV
fsr-3265	194	200	those	those	PRON
fsr-3265	194	201	selecting	select	VERB
fsr-3265	194	202	“	"	PUNCT
fsr-3265	194	203	no	no	DET
fsr-3265	194	204	default	default	NOUN
fsr-3265	194	205	”	"	PUNCT
fsr-3265	194	206	)	)	PUNCT
fsr-3265	194	207	—	—	PUNCT
fsr-3265	194	208	1.000	1.000	NUM
fsr-3265	194	209	3	3	NUM
fsr-3265	194	210	.	.	PUNCT
fsr-3265	194	211	financial	financial	ADJ
fsr-3265	194	212	literacy	literacy	NOUN
fsr-3265	194	213	0.365	0.365	NUM
fsr-3265	194	214	*	*	PUNCT
fsr-3265	194	215	*	*	PUNCT
fsr-3265	194	216	0.390	0.390	NUM
fsr-3265	194	217	*	*	SYM
fsr-3265	194	218	*	*	NOUN
fsr-3265	194	219	1.000	1.000	NUM
fsr-3265	194	220	4	4	NUM
fsr-3265	194	221	.	.	PUNCT
fsr-3265	194	222	financial	financial	ADJ
fsr-3265	194	223	network	network	NOUN
fsr-3265	194	224	size	size	NOUN
fsr-3265	194	225	0.096	0.096	NUM
fsr-3265	194	226	�	�	PROPN
fsr-3265	194	227	0.162	0.162	NUM
fsr-3265	194	228	�	�	NOUN
fsr-3265	194	229	0.113	0.113	NUM
fsr-3265	194	230	1.000	1.000	NUM
fsr-3265	194	231	5	5	NUM
fsr-3265	194	232	.	.	PUNCT
fsr-3265	194	233	financial	financial	ADJ
fsr-3265	194	234	network	network	NOUN
fsr-3265	194	235	intensity	intensity	NOUN
fsr-3265	194	236	0.128	0.128	NUM
fsr-3265	194	237	0.399	0.399	NUM
fsr-3265	194	238	*	*	PUNCT
fsr-3265	194	239	*	*	PROPN
fsr-3265	194	240	0.120	0.120	NUM
fsr-3265	194	241	�	�	PROPN
fsr-3265	194	242	0.084	0.084	NUM
fsr-3265	194	243	1.000	1.000	NUM
fsr-3265	194	244	*	*	PUNCT
fsr-3265	194	245	*	*	PUNCT
fsr-3265	194	246	p	p	X
fsr-3265	194	247	�	�	PROPN
fsr-3265	194	248	0.01	0.01	NUM
fsr-3265	194	249	.	.	PUNCT
fsr-3265	195	1	88	88	NUM
fsr-3265	195	2	y.	y.	PROPN
fsr-3265	195	3	chung	chung	PROPN
fsr-3265	195	4	,	,	PUNCT
fsr-3265	195	5	y.	y.	PROPN
fsr-3265	195	6	park	park	PROPN
fsr-3265	195	7	/	/	SYM
fsr-3265	195	8	financial	financial	ADJ
fsr-3265	195	9	services	service	NOUN
fsr-3265	195	10	review	review	VERB
fsr-3265	195	11	24	24	NUM
fsr-3265	195	12	(	(	PUNCT
fsr-3265	195	13	2015	2015	NUM
fsr-3265	195	14	)	)	PUNCT
fsr-3265	196	1	77–99	77–99	NUM
fsr-3265	196	2	choice	choice	NOUN
fsr-3265	196	3	of	of	ADP
fsr-3265	196	4	“	"	PUNCT
fsr-3265	196	5	no	no	DET
fsr-3265	196	6	default	default	NOUN
fsr-3265	196	7	”	"	PUNCT
fsr-3265	196	8	)	)	PUNCT
fsr-3265	196	9	and	and	CCONJ
fsr-3265	196	10	h1b	h1b	PROPN
fsr-3265	196	11	(	(	PUNCT
fsr-3265	196	12	a	a	DET
fsr-3265	196	13	positive	positive	ADJ
fsr-3265	196	14	relationship	relationship	NOUN
fsr-3265	196	15	between	between	ADP
fsr-3265	196	16	financial	financial	ADJ
fsr-3265	196	17	literacy	literacy	NOUN
fsr-3265	196	18	and	and	CCONJ
fsr-3265	196	19	stock	stock	NOUN
fsr-3265	196	20	allocation	allocation	NOUN
fsr-3265	196	21	)	)	PUNCT
fsr-3265	196	22	.	.	PUNCT
fsr-3265	197	1	second	second	ADJ
fsr-3265	197	2	,	,	PUNCT
fsr-3265	197	3	financial	financial	ADJ
fsr-3265	197	4	network	network	NOUN
fsr-3265	197	5	intensity	intensity	NOUN
fsr-3265	197	6	is	be	AUX
fsr-3265	197	7	not	not	PART
fsr-3265	197	8	significantly	significantly	ADV
fsr-3265	197	9	related	relate	VERB
fsr-3265	197	10	to	to	ADP
fsr-3265	197	11	a	a	DET
fsr-3265	197	12	selection	selection	NOUN
fsr-3265	197	13	of	of	ADP
fsr-3265	197	14	“	"	PUNCT
fsr-3265	197	15	no	no	DET
fsr-3265	197	16	default	default	NOUN
fsr-3265	197	17	”	"	PUNCT
fsr-3265	197	18	(	(	PUNCT
fsr-3265	197	19	column	column	NOUN
fsr-3265	197	20	1a	1a	NOUN
fsr-3265	197	21	)	)	PUNCT
fsr-3265	197	22	,	,	PUNCT
fsr-3265	197	23	but	but	CCONJ
fsr-3265	197	24	it	it	PRON
fsr-3265	197	25	is	be	AUX
fsr-3265	197	26	significantly	significantly	ADV
fsr-3265	197	27	positively	positively	ADV
fsr-3265	197	28	related	relate	VERB
fsr-3265	197	29	to	to	ADP
fsr-3265	197	30	stock	stock	NOUN
fsr-3265	197	31	allocation	allocation	NOUN
fsr-3265	197	32	(	(	PUNCT
fsr-3265	197	33	column	column	NOUN
fsr-3265	197	34	1b	1b	NUM
fsr-3265	197	35	)	)	PUNCT
fsr-3265	197	36	.	.	PUNCT
fsr-3265	198	1	for	for	ADP
fsr-3265	198	2	example	example	NOUN
fsr-3265	198	3	,	,	PUNCT
fsr-3265	198	4	a	a	DET
fsr-3265	198	5	respondent	respondent	NOUN
fsr-3265	198	6	’s	’s	PART
fsr-3265	198	7	stock	stock	NOUN
fsr-3265	198	8	allocation	allocation	NOUN
fsr-3265	198	9	increases	increase	NOUN
fsr-3265	198	10	by	by	ADP
fsr-3265	198	11	2.7	2.7	NUM
fsr-3265	198	12	percentage	percentage	NOUN
fsr-3265	198	13	points	point	NOUN
fsr-3265	198	14	as	as	ADP
fsr-3265	198	15	his	his	PRON
fsr-3265	198	16	or	or	CCONJ
fsr-3265	198	17	her	her	PRON
fsr-3265	198	18	network	network	NOUN
fsr-3265	198	19	intensity	intensity	NOUN
fsr-3265	198	20	increases	increase	NOUN
fsr-3265	198	21	by	by	ADP
fsr-3265	198	22	10	10	NUM
fsr-3265	198	23	%	%	NOUN
fsr-3265	198	24	.	.	PUNCT
fsr-3265	199	1	the	the	DET
fsr-3265	199	2	results	result	NOUN
fsr-3265	199	3	do	do	AUX
fsr-3265	199	4	not	not	PART
fsr-3265	199	5	support	support	VERB
fsr-3265	199	6	hypothesis	hypothesis	NOUN
fsr-3265	199	7	h2a	h2a	PRON
fsr-3265	199	8	(	(	PUNCT
fsr-3265	199	9	a	a	DET
fsr-3265	199	10	positive	positive	ADJ
fsr-3265	199	11	relationship	relationship	NOUN
fsr-3265	199	12	between	between	ADP
fsr-3265	199	13	financial	financial	ADJ
fsr-3265	199	14	network	network	NOUN
fsr-3265	199	15	intensity	intensity	NOUN
fsr-3265	199	16	and	and	CCONJ
fsr-3265	199	17	a	a	DET
fsr-3265	199	18	choice	choice	NOUN
fsr-3265	199	19	of	of	ADP
fsr-3265	199	20	“	"	PUNCT
fsr-3265	199	21	no	no	DET
fsr-3265	199	22	default	default	NOUN
fsr-3265	199	23	”	"	PUNCT
fsr-3265	199	24	)	)	PUNCT
fsr-3265	199	25	but	but	CCONJ
fsr-3265	199	26	do	do	AUX
fsr-3265	199	27	support	support	VERB
fsr-3265	199	28	h2b	h2b	PROPN
fsr-3265	199	29	(	(	PUNCT
fsr-3265	199	30	a	a	DET
fsr-3265	199	31	positive	positive	ADJ
fsr-3265	199	32	relationship	relationship	NOUN
fsr-3265	199	33	between	between	ADP
fsr-3265	199	34	financial	financial	ADJ
fsr-3265	199	35	network	network	NOUN
fsr-3265	199	36	intensity	intensity	NOUN
fsr-3265	199	37	and	and	CCONJ
fsr-3265	199	38	stock	stock	NOUN
fsr-3265	199	39	allocation	allocation	NOUN
fsr-3265	199	40	)	)	PUNCT
fsr-3265	199	41	.	.	PUNCT
fsr-3265	200	1	table	table	NOUN
fsr-3265	200	2	4	4	NUM
fsr-3265	200	3	regression	regression	NOUN
fsr-3265	200	4	results	result	NOUN
fsr-3265	200	5	:	:	PUNCT
fsr-3265	200	6	default	default	NOUN
fsr-3265	200	7	investment	investment	NOUN
fsr-3265	200	8	option	option	NOUN
fsr-3265	200	9	and	and	CCONJ
fsr-3265	200	10	contribution	contribution	NOUN
fsr-3265	200	11	allocation	allocation	NOUN
fsr-3265	200	12	to	to	ADP
fsr-3265	200	13	stock	stock	NOUN
fsr-3265	200	14	funds	fund	NOUN
fsr-3265	200	15	dependent	dependent	ADJ
fsr-3265	200	16	variables	variable	NOUN
fsr-3265	200	17	(	(	PUNCT
fsr-3265	200	18	1	1	NUM
fsr-3265	200	19	)	)	PUNCT
fsr-3265	200	20	(	(	PUNCT
fsr-3265	200	21	2	2	NUM
fsr-3265	200	22	)	)	PUNCT
fsr-3265	200	23	(	(	PUNCT
fsr-3265	200	24	1a	1a	X
fsr-3265	200	25	)	)	PUNCT
fsr-3265	200	26	(	(	PUNCT
fsr-3265	200	27	1b	1b	NUM
fsr-3265	200	28	)	)	PUNCT
fsr-3265	200	29	(	(	PUNCT
fsr-3265	200	30	2a	2a	NUM
fsr-3265	200	31	)	)	PUNCT
fsr-3265	200	32	(	(	PUNCT
fsr-3265	200	33	2b	2b	X
fsr-3265	200	34	)	)	PUNCT
fsr-3265	200	35	selection	selection	NOUN
fsr-3265	200	36	of	of	ADP
fsr-3265	200	37	no	no	DET
fsr-3265	200	38	default	default	NOUN
fsr-3265	200	39	(	(	PUNCT
fsr-3265	200	40	first	first	ADJ
fsr-3265	200	41	stage	stage	NOUN
fsr-3265	200	42	)	)	PUNCT
fsr-3265	200	43	contribution	contribution	NOUN
fsr-3265	200	44	allocation	allocation	NOUN
fsr-3265	200	45	to	to	ADP
fsr-3265	200	46	stock	stock	NOUN
fsr-3265	200	47	funds	fund	NOUN
fsr-3265	200	48	(	(	PUNCT
fsr-3265	200	49	second	second	ADJ
fsr-3265	200	50	stage	stage	NOUN
fsr-3265	200	51	)	)	PUNCT
fsr-3265	200	52	selection	selection	NOUN
fsr-3265	200	53	of	of	ADP
fsr-3265	200	54	no	no	DET
fsr-3265	200	55	default	default	NOUN
fsr-3265	200	56	(	(	PUNCT
fsr-3265	200	57	first	first	ADJ
fsr-3265	200	58	stage	stage	NOUN
fsr-3265	200	59	)	)	PUNCT
fsr-3265	200	60	contribution	contribution	NOUN
fsr-3265	200	61	allocation	allocation	NOUN
fsr-3265	200	62	to	to	ADP
fsr-3265	200	63	stock	stock	NOUN
fsr-3265	200	64	funds	fund	NOUN
fsr-3265	200	65	(	(	PUNCT
fsr-3265	200	66	second	second	ADJ
fsr-3265	200	67	stage	stage	NOUN
fsr-3265	200	68	)	)	PUNCT
fsr-3265	200	69	financial	financial	ADJ
fsr-3265	200	70	literacy	literacy	NOUN
fsr-3265	200	71	(	(	PUNCT
fsr-3265	200	72	score	score	NOUN
fsr-3265	200	73	)	)	PUNCT
fsr-3265	200	74	0.715	0.715	NOUN
fsr-3265	200	75	*	*	PUNCT
fsr-3265	200	76	*	*	PUNCT
fsr-3265	200	77	0.127	0.127	NUM
fsr-3265	200	78	*	*	PUNCT
fsr-3265	200	79	*	*	X
fsr-3265	200	80	0.768	0.768	NUM
fsr-3265	200	81	*	*	PUNCT
fsr-3265	200	82	*	*	PUNCT
fsr-3265	200	83	0.111	0.111	NUM
fsr-3265	200	84	*	*	NOUN
fsr-3265	200	85	*	*	PUNCT
fsr-3265	200	86	(	(	PUNCT
fsr-3265	200	87	0.222	0.222	NUM
fsr-3265	200	88	)	)	PUNCT
fsr-3265	200	89	(	(	PUNCT
fsr-3265	200	90	0.035	0.035	NUM
fsr-3265	200	91	)	)	PUNCT
fsr-3265	200	92	(	(	PUNCT
fsr-3265	200	93	0.235	0.235	NUM
fsr-3265	200	94	)	)	PUNCT
fsr-3265	200	95	(	(	PUNCT
fsr-3265	200	96	0.035	0.035	NUM
fsr-3265	200	97	)	)	PUNCT
fsr-3265	200	98	financial	financial	ADJ
fsr-3265	200	99	network	network	NOUN
fsr-3265	200	100	size	size	NOUN
fsr-3265	200	101	0.104	0.104	NUM
fsr-3265	200	102	0.006	0.006	NUM
fsr-3265	200	103	0.109	0.109	NUM
fsr-3265	200	104	0.003	0.003	NUM
fsr-3265	200	105	(	(	PUNCT
fsr-3265	200	106	0.069	0.069	NUM
fsr-3265	200	107	)	)	PUNCT
fsr-3265	200	108	(	(	PUNCT
fsr-3265	200	109	0.009	0.009	NUM
fsr-3265	200	110	)	)	PUNCT
fsr-3265	200	111	(	(	PUNCT
fsr-3265	200	112	0.070	0.070	NUM
fsr-3265	200	113	)	)	PUNCT
fsr-3265	200	114	(	(	PUNCT
fsr-3265	200	115	0.008	0.008	NUM
fsr-3265	200	116	)	)	PUNCT
fsr-3265	200	117	financial	financial	ADJ
fsr-3265	200	118	network	network	NOUN
fsr-3265	200	119	intensity	intensity	NOUN
fsr-3265	200	120	0.794	0.794	NUM
fsr-3265	200	121	0.268	0.268	NUM
fsr-3265	200	122	*	*	PUNCT
fsr-3265	200	123	*	*	X
fsr-3265	200	124	0.650	0.650	NUM
fsr-3265	200	125	0.184	0.184	NUM
fsr-3265	200	126	*	*	PUNCT
fsr-3265	200	127	(	(	PUNCT
fsr-3265	200	128	0.751	0.751	NUM
fsr-3265	200	129	)	)	PUNCT
fsr-3265	200	130	(	(	PUNCT
fsr-3265	200	131	0.091	0.091	NUM
fsr-3265	200	132	)	)	PUNCT
fsr-3265	200	133	(	(	PUNCT
fsr-3265	200	134	0.744	0.744	NUM
fsr-3265	200	135	)	)	PUNCT
fsr-3265	200	136	(	(	PUNCT
fsr-3265	200	137	0.087	0.087	NUM
fsr-3265	200	138	)	)	PUNCT
fsr-3265	200	139	(	(	PUNCT
fsr-3265	200	140	financial	financial	ADJ
fsr-3265	200	141	literacy	literacy	NOUN
fsr-3265	200	142	)	)	PUNCT
fsr-3265	200	143	�	�	PROPN
fsr-3265	200	144	(	(	PUNCT
fsr-3265	200	145	financial	financial	ADJ
fsr-3265	200	146	network	network	NOUN
fsr-3265	200	147	intensity	intensity	NOUN
fsr-3265	200	148	)	)	PUNCT
fsr-3265	200	149	�	�	PROPN
fsr-3265	200	150	0.734	0.734	NUM
fsr-3265	200	151	0.269	0.269	NUM
fsr-3265	200	152	*	*	PUNCT
fsr-3265	200	153	(	(	PUNCT
fsr-3265	200	154	0.699	0.699	NUM
fsr-3265	200	155	)	)	PUNCT
fsr-3265	200	156	(	(	PUNCT
fsr-3265	200	157	0.107	0.107	NUM
fsr-3265	200	158	)	)	PUNCT
fsr-3265	200	159	risk	risk	NOUN
fsr-3265	200	160	tolerance	tolerance	NOUN
fsr-3265	200	161	(	(	PUNCT
fsr-3265	200	162	score	score	NOUN
fsr-3265	200	163	)	)	PUNCT
fsr-3265	200	164	�	�	PROPN
fsr-3265	200	165	0.033	0.033	NUM
fsr-3265	200	166	0.017	0.017	NUM
fsr-3265	200	167	*	*	PUNCT
fsr-3265	200	168	*	*	PUNCT
fsr-3265	200	169	�	�	PROPN
fsr-3265	200	170	0.034	0.034	NUM
fsr-3265	200	171	0.016	0.016	NUM
fsr-3265	200	172	*	*	PUNCT
fsr-3265	200	173	*	*	PUNCT
fsr-3265	200	174	(	(	PUNCT
fsr-3265	200	175	0.042	0.042	NUM
fsr-3265	200	176	)	)	PUNCT
fsr-3265	200	177	(	(	PUNCT
fsr-3265	200	178	0.005	0.005	NUM
fsr-3265	200	179	)	)	PUNCT
fsr-3265	200	180	(	(	PUNCT
fsr-3265	200	181	0.042	0.042	NUM
fsr-3265	200	182	)	)	PUNCT
fsr-3265	200	183	(	(	PUNCT
fsr-3265	200	184	0.005	0.005	NUM
fsr-3265	200	185	)	)	PUNCT
fsr-3265	200	186	investment	investment	NOUN
fsr-3265	200	187	experience	experience	NOUN
fsr-3265	200	188	(	(	PUNCT
fsr-3265	200	189	yes	yes	INTJ
fsr-3265	200	190	�	�	PROPN
fsr-3265	200	191	1	1	NUM
fsr-3265	200	192	)	)	PUNCT
fsr-3265	200	193	0.938	0.938	NUM
fsr-3265	200	194	*	*	NOUN
fsr-3265	200	195	0.088	0.088	NUM
fsr-3265	200	196	0.962	0.962	NUM
fsr-3265	200	197	*	*	SYM
fsr-3265	200	198	0.085	0.085	NUM
fsr-3265	200	199	(	(	PUNCT
fsr-3265	200	200	0.385	0.385	NUM
fsr-3265	200	201	)	)	PUNCT
fsr-3265	200	202	(	(	PUNCT
fsr-3265	200	203	0.049	0.049	NUM
fsr-3265	200	204	)	)	PUNCT
fsr-3265	200	205	(	(	PUNCT
fsr-3265	200	206	0.387	0.387	NUM
fsr-3265	200	207	)	)	PUNCT
fsr-3265	200	208	(	(	PUNCT
fsr-3265	200	209	0.046	0.046	NUM
fsr-3265	200	210	)	)	PUNCT
fsr-3265	200	211	gender	gender	NOUN
fsr-3265	200	212	(	(	PUNCT
fsr-3265	200	213	female	female	ADJ
fsr-3265	200	214	�	�	PROPN
fsr-3265	200	215	1	1	NUM
fsr-3265	200	216	)	)	PUNCT
fsr-3265	200	217	�	�	PROPN
fsr-3265	200	218	0.051	0.051	NUM
fsr-3265	200	219	0.048	0.048	NUM
fsr-3265	200	220	�	�	PROPN
fsr-3265	200	221	0.027	0.027	NUM
fsr-3265	200	222	0.036	0.036	NUM
fsr-3265	200	223	(	(	PUNCT
fsr-3265	200	224	0.345	0.345	NUM
fsr-3265	200	225	)	)	PUNCT
fsr-3265	200	226	(	(	PUNCT
fsr-3265	200	227	0.041	0.041	NUM
fsr-3265	200	228	)	)	PUNCT
fsr-3265	200	229	(	(	PUNCT
fsr-3265	200	230	0.350	0.350	NUM
fsr-3265	200	231	)	)	PUNCT
fsr-3265	200	232	(	(	PUNCT
fsr-3265	200	233	0.039	0.039	NUM
fsr-3265	200	234	)	)	PUNCT
fsr-3265	200	235	ethnicity	ethnicity	NOUN
fsr-3265	200	236	(	(	PUNCT
fsr-3265	200	237	white	white	ADJ
fsr-3265	200	238	�	�	PROPN
fsr-3265	200	239	1	1	NUM
fsr-3265	200	240	)	)	PUNCT
fsr-3265	200	241	0.011	0.011	NUM
fsr-3265	200	242	0.162	0.162	NUM
fsr-3265	200	243	*	*	PUNCT
fsr-3265	200	244	*	*	PUNCT
fsr-3265	201	1	0.110	0.110	NUM
fsr-3265	201	2	0.121	0.121	NUM
fsr-3265	201	3	*	*	PUNCT
fsr-3265	201	4	(	(	PUNCT
fsr-3265	201	5	0.456	0.456	NUM
fsr-3265	201	6	)	)	PUNCT
fsr-3265	201	7	(	(	PUNCT
fsr-3265	201	8	0.061	0.061	NUM
fsr-3265	201	9	)	)	PUNCT
fsr-3265	201	10	(	(	PUNCT
fsr-3265	201	11	0.470	0.470	NUM
fsr-3265	201	12	)	)	PUNCT
fsr-3265	201	13	(	(	PUNCT
fsr-3265	201	14	0.059	0.059	NUM
fsr-3265	201	15	)	)	PUNCT
fsr-3265	201	16	current	current	ADJ
fsr-3265	201	17	mood	mood	NOUN
fsr-3265	201	18	state	state	NOUN
fsr-3265	201	19	positive	positive	ADJ
fsr-3265	201	20	(	(	PUNCT
fsr-3265	201	21	score	score	NOUN
fsr-3265	201	22	)	)	PUNCT
fsr-3265	201	23	0.011	0.011	NUM
fsr-3265	201	24	0.012	0.012	NUM
fsr-3265	201	25	*	*	PUNCT
fsr-3265	201	26	0.007	0.007	NUM
fsr-3265	201	27	0.013	0.013	NUM
fsr-3265	201	28	*	*	PUNCT
fsr-3265	201	29	*	*	PUNCT
fsr-3265	201	30	(	(	PUNCT
fsr-3265	201	31	0.032	0.032	NUM
fsr-3265	201	32	)	)	PUNCT
fsr-3265	201	33	(	(	PUNCT
fsr-3265	201	34	0.004	0.004	NUM
fsr-3265	201	35	)	)	PUNCT
fsr-3265	201	36	(	(	PUNCT
fsr-3265	201	37	0.032	0.032	NUM
fsr-3265	201	38	)	)	PUNCT
fsr-3265	201	39	(	(	PUNCT
fsr-3265	201	40	0.004	0.004	NUM
fsr-3265	201	41	)	)	PUNCT
fsr-3265	201	42	negative	negative	ADJ
fsr-3265	201	43	(	(	PUNCT
fsr-3265	201	44	score	score	NOUN
fsr-3265	201	45	)	)	PUNCT
fsr-3265	201	46	�	�	PROPN
fsr-3265	201	47	0.077	0.077	NUM
fsr-3265	201	48	*	*	SYM
fsr-3265	201	49	�	�	PROPN
fsr-3265	201	50	0.001	0.001	NUM
fsr-3265	201	51	�	�	PROPN
fsr-3265	201	52	0.079	0.079	NUM
fsr-3265	201	53	*	*	SYM
fsr-3265	201	54	�	�	PROPN
fsr-3265	201	55	0.001	0.001	NUM
fsr-3265	201	56	(	(	PUNCT
fsr-3265	201	57	0.037	0.037	NUM
fsr-3265	201	58	)	)	PUNCT
fsr-3265	201	59	(	(	PUNCT
fsr-3265	201	60	0.005	0.005	NUM
fsr-3265	201	61	)	)	PUNCT
fsr-3265	201	62	(	(	PUNCT
fsr-3265	201	63	0.037	0.037	NUM
fsr-3265	201	64	)	)	PUNCT
fsr-3265	201	65	(	(	PUNCT
fsr-3265	201	66	0.005	0.005	NUM
fsr-3265	201	67	)	)	PUNCT
fsr-3265	201	68	gpa	gpa	NOUN
fsr-3265	201	69	1.065	1.065	NUM
fsr-3265	201	70	*	*	PROPN
fsr-3265	201	71	*	*	PUNCT
fsr-3265	201	72	1.040	1.040	NUM
fsr-3265	201	73	*	*	PUNCT
fsr-3265	201	74	(	(	PUNCT
fsr-3265	201	75	0.408	0.408	NUM
fsr-3265	201	76	)	)	PUNCT
fsr-3265	201	77	(	(	PUNCT
fsr-3265	201	78	0.412	0.412	NUM
fsr-3265	201	79	)	)	PUNCT
fsr-3265	201	80	constant	constant	ADJ
fsr-3265	201	81	�	�	PROPN
fsr-3265	201	82	4.839	4.839	NUM
fsr-3265	201	83	*	*	SYM
fsr-3265	201	84	�	�	PROPN
fsr-3265	201	85	1.281	1.281	NUM
fsr-3265	201	86	*	*	NOUN
fsr-3265	201	87	*	*	PUNCT
fsr-3265	201	88	�	�	PROPN
fsr-3265	201	89	1.511	1.511	NUM
fsr-3265	201	90	�	�	NOUN
fsr-3265	201	91	0.675	0.675	NUM
fsr-3265	201	92	*	*	SYM
fsr-3265	201	93	*	*	PUNCT
fsr-3265	201	94	(	(	PUNCT
fsr-3265	201	95	3.389	3.389	NUM
fsr-3265	201	96	)	)	PUNCT
fsr-3265	201	97	(	(	PUNCT
fsr-3265	201	98	0.290	0.290	NUM
fsr-3265	201	99	)	)	PUNCT
fsr-3265	201	100	(	(	PUNCT
fsr-3265	201	101	1.990	1.990	NUM
fsr-3265	201	102	)	)	PUNCT
fsr-3265	201	103	(	(	PUNCT
fsr-3265	201	104	0.228	0.228	NUM
fsr-3265	201	105	)	)	PUNCT
fsr-3265	201	106	�	�	PROPN
fsr-3265	201	107	:	:	PUNCT
fsr-3265	202	1	mill	mill	NOUN
fsr-3265	202	2	’s	’s	PART
fsr-3265	202	3	ratio	ratio	NOUN
fsr-3265	202	4	0.149	0.149	NUM
fsr-3265	202	5	0.137	0.137	NUM
fsr-3265	202	6	[	[	X
fsr-3265	202	7	p	p	NOUN
fsr-3265	202	8	-	-	PUNCT
fsr-3265	202	9	value	value	NOUN
fsr-3265	202	10	]	]	PUNCT
fsr-3265	203	1	[	[	X
fsr-3265	203	2	0.065	0.065	NUM
fsr-3265	203	3	]	]	X
fsr-3265	203	4	[	[	X
fsr-3265	203	5	0.071	0.071	NUM
fsr-3265	203	6	]	]	PUNCT
fsr-3265	203	7	observations	observation	NOUN
fsr-3265	203	8	97	97	NUM
fsr-3265	203	9	64	64	NUM
fsr-3265	203	10	97	97	NUM
fsr-3265	203	11	64	64	NUM
fsr-3265	203	12	pseudo	pseudo	NOUN
fsr-3265	203	13	r2	r2	NOUN
fsr-3265	203	14	0.305	0.305	NUM
fsr-3265	203	15	0.313	0.313	NUM
fsr-3265	203	16	adjusted	adjust	VERB
fsr-3265	203	17	r2	r2	NOUN
fsr-3265	203	18	0.514	0.514	NUM
fsr-3265	203	19	0.567	0.567	NUM
fsr-3265	203	20	notes	note	NOUN
fsr-3265	203	21	:	:	PUNCT
fsr-3265	203	22	when	when	SCONJ
fsr-3265	203	23	an	an	DET
fsr-3265	203	24	interaction	interaction	NOUN
fsr-3265	203	25	term	term	NOUN
fsr-3265	203	26	of	of	ADP
fsr-3265	203	27	financial	financial	ADJ
fsr-3265	203	28	literacy	literacy	NOUN
fsr-3265	203	29	and	and	CCONJ
fsr-3265	203	30	network	network	NOUN
fsr-3265	203	31	intensity	intensity	NOUN
fsr-3265	203	32	is	be	AUX
fsr-3265	203	33	included	include	VERB
fsr-3265	203	34	in	in	ADP
fsr-3265	203	35	column	column	NOUN
fsr-3265	203	36	2	2	NUM
fsr-3265	203	37	,	,	PUNCT
fsr-3265	203	38	the	the	DET
fsr-3265	203	39	variables	variable	NOUN
fsr-3265	203	40	of	of	ADP
fsr-3265	203	41	financial	financial	ADJ
fsr-3265	203	42	literacy	literacy	NOUN
fsr-3265	203	43	and	and	CCONJ
fsr-3265	203	44	network	network	NOUN
fsr-3265	203	45	intensity	intensity	NOUN
fsr-3265	203	46	are	be	AUX
fsr-3265	203	47	centered	center	VERB
fsr-3265	203	48	with	with	ADP
fsr-3265	203	49	respect	respect	NOUN
fsr-3265	203	50	to	to	ADP
fsr-3265	203	51	the	the	DET
fsr-3265	203	52	mean	mean	NOUN
fsr-3265	203	53	.	.	PUNCT
fsr-3265	204	1	this	this	DET
fsr-3265	204	2	centering	centering	NOUN
fsr-3265	204	3	,	,	PUNCT
fsr-3265	204	4	however	however	ADV
fsr-3265	204	5	,	,	PUNCT
fsr-3265	204	6	does	do	AUX
fsr-3265	204	7	not	not	PART
fsr-3265	204	8	affect	affect	VERB
fsr-3265	204	9	the	the	DET
fsr-3265	204	10	coefficients	coefficient	NOUN
fsr-3265	204	11	and	and	CCONJ
fsr-3265	204	12	their	their	PRON
fsr-3265	204	13	significance	significance	NOUN
fsr-3265	204	14	.	.	PUNCT
fsr-3265	205	1	standard	standard	ADJ
fsr-3265	205	2	errors	error	NOUN
fsr-3265	205	3	are	be	AUX
fsr-3265	205	4	in	in	ADP
fsr-3265	205	5	parentheses	parenthesis	NOUN
fsr-3265	205	6	.	.	PUNCT
fsr-3265	206	1	*	*	PUNCT
fsr-3265	206	2	*	*	PUNCT
fsr-3265	206	3	p	p	X
fsr-3265	206	4	�	�	PROPN
fsr-3265	206	5	0.01	0.01	NUM
fsr-3265	206	6	;	;	PUNCT
fsr-3265	206	7	*	*	PUNCT
fsr-3265	206	8	p	p	X
fsr-3265	206	9	�	�	PROPN
fsr-3265	206	10	0.05	0.05	NUM
fsr-3265	206	11	.	.	PUNCT
fsr-3265	206	12	89y	89y	NOUN
fsr-3265	206	13	.	.	PUNCT
fsr-3265	207	1	chung	chung	PROPN
fsr-3265	207	2	,	,	PUNCT
fsr-3265	207	3	y.	y.	PROPN
fsr-3265	207	4	park	park	PROPN
fsr-3265	207	5	/	/	SYM
fsr-3265	207	6	financial	financial	ADJ
fsr-3265	207	7	services	service	NOUN
fsr-3265	207	8	review	review	VERB
fsr-3265	207	9	24	24	NUM
fsr-3265	207	10	(	(	PUNCT
fsr-3265	207	11	2015	2015	NUM
fsr-3265	207	12	)	)	PUNCT
fsr-3265	208	1	77–99	77–99	NUM
fsr-3265	208	2	accordingly	accordingly	ADV
fsr-3265	208	3	,	,	PUNCT
fsr-3265	208	4	the	the	DET
fsr-3265	208	5	results	result	NOUN
fsr-3265	208	6	reported	report	VERB
fsr-3265	208	7	in	in	ADP
fsr-3265	208	8	columns	column	NOUN
fsr-3265	208	9	1a	1a	NOUN
fsr-3265	208	10	and	and	CCONJ
fsr-3265	208	11	1b	1b	NUM
fsr-3265	208	12	suggest	suggest	VERB
fsr-3265	208	13	that	that	SCONJ
fsr-3265	208	14	when	when	SCONJ
fsr-3265	208	15	making	make	VERB
fsr-3265	208	16	a	a	DET
fsr-3265	208	17	decision	decision	NOUN
fsr-3265	208	18	on	on	ADP
fsr-3265	208	19	whether	whether	SCONJ
fsr-3265	208	20	or	or	CCONJ
fsr-3265	208	21	not	not	PART
fsr-3265	208	22	to	to	PART
fsr-3265	208	23	choose	choose	VERB
fsr-3265	208	24	a	a	DET
fsr-3265	208	25	default	default	NOUN
fsr-3265	208	26	option	option	NOUN
fsr-3265	208	27	,	,	PUNCT
fsr-3265	208	28	respondents	respondent	NOUN
fsr-3265	208	29	are	be	AUX
fsr-3265	208	30	likely	likely	ADJ
fsr-3265	208	31	to	to	PART
fsr-3265	208	32	rely	rely	VERB
fsr-3265	208	33	on	on	ADP
fsr-3265	208	34	their	their	PRON
fsr-3265	208	35	financial	financial	ADJ
fsr-3265	208	36	literacy	literacy	NOUN
fsr-3265	208	37	but	but	CCONJ
fsr-3265	208	38	not	not	PART
fsr-3265	208	39	on	on	ADP
fsr-3265	208	40	their	their	PRON
fsr-3265	208	41	financial	financial	ADJ
fsr-3265	208	42	networks	network	NOUN
fsr-3265	208	43	.	.	PUNCT
fsr-3265	209	1	however	however	ADV
fsr-3265	209	2	,	,	PUNCT
fsr-3265	209	3	when	when	SCONJ
fsr-3265	209	4	constructing	construct	VERB
fsr-3265	209	5	a	a	DET
fsr-3265	209	6	retirement	retirement	NOUN
fsr-3265	209	7	portfolio	portfolio	NOUN
fsr-3265	209	8	such	such	ADJ
fsr-3265	209	9	as	as	ADP
fsr-3265	209	10	determining	determine	VERB
fsr-3265	209	11	stock	stock	NOUN
fsr-3265	209	12	allocations	allocation	NOUN
fsr-3265	209	13	,	,	PUNCT
fsr-3265	209	14	respondents	respondent	NOUN
fsr-3265	209	15	are	be	AUX
fsr-3265	209	16	likely	likely	ADJ
fsr-3265	209	17	to	to	PART
fsr-3265	209	18	draw	draw	VERB
fsr-3265	209	19	on	on	ADP
fsr-3265	209	20	both	both	CCONJ
fsr-3265	209	21	their	their	PRON
fsr-3265	209	22	financial	financial	ADJ
fsr-3265	209	23	literacy	literacy	NOUN
fsr-3265	209	24	and	and	CCONJ
fsr-3265	209	25	financial	financial	ADJ
fsr-3265	209	26	networks	network	NOUN
fsr-3265	209	27	.	.	PUNCT
fsr-3265	210	1	hence	hence	ADV
fsr-3265	210	2	,	,	PUNCT
fsr-3265	210	3	financial	financial	ADJ
fsr-3265	210	4	literacy	literacy	NOUN
fsr-3265	210	5	and	and	CCONJ
fsr-3265	210	6	financial	financial	ADJ
fsr-3265	210	7	network	network	NOUN
fsr-3265	210	8	intensity	intensity	NOUN
fsr-3265	210	9	were	be	AUX
fsr-3265	210	10	positively	positively	ADV
fsr-3265	210	11	associated	associate	VERB
fsr-3265	210	12	with	with	ADP
fsr-3265	210	13	stock	stock	NOUN
fsr-3265	210	14	allocation	allocation	NOUN
fsr-3265	210	15	.	.	PUNCT
fsr-3265	211	1	in	in	ADP
fsr-3265	211	2	addition	addition	NOUN
fsr-3265	211	3	,	,	PUNCT
fsr-3265	211	4	respondents	respondent	NOUN
fsr-3265	211	5	’	'	PUNCT
fsr-3265	211	6	investment	investment	NOUN
fsr-3265	211	7	experience	experience	NOUN
fsr-3265	211	8	,	,	PUNCT
fsr-3265	211	9	current	current	ADJ
fsr-3265	211	10	mood	mood	NOUN
fsr-3265	211	11	state	state	NOUN
fsr-3265	211	12	,	,	PUNCT
fsr-3265	211	13	and	and	CCONJ
fsr-3265	211	14	gpa	gpa	PROPN
fsr-3265	211	15	are	be	AUX
fsr-3265	211	16	significantly	significantly	ADV
fsr-3265	211	17	related	relate	VERB
fsr-3265	211	18	to	to	ADP
fsr-3265	211	19	their	their	PRON
fsr-3265	211	20	selection	selection	NOUN
fsr-3265	211	21	on	on	ADP
fsr-3265	211	22	the	the	DET
fsr-3265	211	23	default	default	NOUN
fsr-3265	211	24	investment	investment	NOUN
fsr-3265	211	25	option	option	NOUN
fsr-3265	211	26	(	(	PUNCT
fsr-3265	211	27	column	column	NOUN
fsr-3265	211	28	1a	1a	X
fsr-3265	211	29	)	)	PUNCT
fsr-3265	211	30	or	or	CCONJ
fsr-3265	211	31	stock	stock	NOUN
fsr-3265	211	32	allocation	allocation	NOUN
fsr-3265	211	33	(	(	PUNCT
fsr-3265	211	34	column	column	NOUN
fsr-3265	211	35	1b	1b	NUM
fsr-3265	211	36	)	)	PUNCT
fsr-3265	211	37	.	.	PUNCT
fsr-3265	212	1	first	first	ADV
fsr-3265	212	2	,	,	PUNCT
fsr-3265	212	3	when	when	SCONJ
fsr-3265	212	4	a	a	DET
fsr-3265	212	5	respondent	respondent	NOUN
fsr-3265	212	6	has	have	VERB
fsr-3265	212	7	any	any	DET
fsr-3265	212	8	investment	investment	NOUN
fsr-3265	212	9	experience	experience	NOUN
fsr-3265	212	10	during	during	ADP
fsr-3265	212	11	the	the	DET
fsr-3265	212	12	past	past	ADJ
fsr-3265	212	13	five	five	NUM
fsr-3265	212	14	years	year	NOUN
fsr-3265	212	15	,	,	PUNCT
fsr-3265	212	16	he	he	PRON
fsr-3265	212	17	or	or	CCONJ
fsr-3265	212	18	she	she	PRON
fsr-3265	212	19	is	be	AUX
fsr-3265	212	20	likely	likely	ADJ
fsr-3265	212	21	to	to	PART
fsr-3265	212	22	select	select	VERB
fsr-3265	212	23	“	"	PUNCT
fsr-3265	212	24	no	no	DET
fsr-3265	212	25	default	default	NOUN
fsr-3265	212	26	”	"	PUNCT
fsr-3265	212	27	but	but	CCONJ
fsr-3265	212	28	not	not	PART
fsr-3265	212	29	likely	likely	ADJ
fsr-3265	212	30	to	to	PART
fsr-3265	212	31	significantly	significantly	ADV
fsr-3265	212	32	increase	increase	VERB
fsr-3265	212	33	stock	stock	NOUN
fsr-3265	212	34	allocation	allocation	NOUN
fsr-3265	212	35	.	.	PUNCT
fsr-3265	213	1	second	second	ADJ
fsr-3265	213	2	,	,	PUNCT
fsr-3265	213	3	different	different	ADJ
fsr-3265	213	4	mood	mood	NOUN
fsr-3265	213	5	states	state	NOUN
fsr-3265	213	6	involve	involve	VERB
fsr-3265	213	7	different	different	ADJ
fsr-3265	213	8	investment	investment	NOUN
fsr-3265	213	9	tasks	task	NOUN
fsr-3265	213	10	.	.	PUNCT
fsr-3265	214	1	a	a	DET
fsr-3265	214	2	negative	negative	ADJ
fsr-3265	214	3	(	(	PUNCT
fsr-3265	214	4	or	or	CCONJ
fsr-3265	214	5	unpleasant	unpleasant	ADJ
fsr-3265	214	6	)	)	PUNCT
fsr-3265	214	7	mood	mood	NOUN
fsr-3265	214	8	state	state	NOUN
fsr-3265	214	9	is	be	AUX
fsr-3265	214	10	significantly	significantly	ADV
fsr-3265	214	11	related	relate	VERB
fsr-3265	214	12	to	to	ADP
fsr-3265	214	13	a	a	DET
fsr-3265	214	14	choice	choice	NOUN
fsr-3265	214	15	of	of	ADP
fsr-3265	214	16	the	the	DET
fsr-3265	214	17	default	default	NOUN
fsr-3265	214	18	investment	investment	NOUN
fsr-3265	214	19	option	option	NOUN
fsr-3265	214	20	whereas	whereas	SCONJ
fsr-3265	214	21	a	a	DET
fsr-3265	214	22	positive	positive	ADJ
fsr-3265	214	23	(	(	PUNCT
fsr-3265	214	24	or	or	CCONJ
fsr-3265	214	25	pleasant	pleasant	ADJ
fsr-3265	214	26	)	)	PUNCT
fsr-3265	214	27	mood	mood	NOUN
fsr-3265	214	28	state	state	NOUN
fsr-3265	214	29	is	be	AUX
fsr-3265	214	30	not	not	PART
fsr-3265	214	31	.	.	PUNCT
fsr-3265	215	1	this	this	PRON
fsr-3265	215	2	may	may	AUX
fsr-3265	215	3	be	be	AUX
fsr-3265	215	4	because	because	SCONJ
fsr-3265	215	5	a	a	DET
fsr-3265	215	6	negative	negative	ADJ
fsr-3265	215	7	mood	mood	NOUN
fsr-3265	215	8	state	state	NOUN
fsr-3265	215	9	inhibits	inhibit	VERB
fsr-3265	215	10	people	people	NOUN
fsr-3265	215	11	from	from	ADP
fsr-3265	215	12	making	make	VERB
fsr-3265	215	13	rational	rational	ADJ
fsr-3265	215	14	decision	decision	NOUN
fsr-3265	215	15	-	-	PUNCT
fsr-3265	215	16	making	making	NOUN
fsr-3265	215	17	because	because	SCONJ
fsr-3265	215	18	of	of	ADP
fsr-3265	215	19	excessive	excessive	ADJ
fsr-3265	215	20	stress	stress	NOUN
fsr-3265	215	21	(	(	PUNCT
fsr-3265	215	22	leith	leith	PROPN
fsr-3265	215	23	and	and	CCONJ
fsr-3265	215	24	baumeister	baumeister	ADV
fsr-3265	215	25	,	,	PUNCT
fsr-3265	215	26	1996	1996	NUM
fsr-3265	215	27	)	)	PUNCT
fsr-3265	215	28	.	.	PUNCT
fsr-3265	216	1	in	in	ADP
fsr-3265	216	2	addition	addition	NOUN
fsr-3265	216	3	,	,	PUNCT
fsr-3265	216	4	a	a	DET
fsr-3265	216	5	positive	positive	ADJ
fsr-3265	216	6	(	(	PUNCT
fsr-3265	216	7	pleasant	pleasant	ADJ
fsr-3265	216	8	)	)	PUNCT
fsr-3265	216	9	mood	mood	NOUN
fsr-3265	216	10	state	state	NOUN
fsr-3265	216	11	is	be	AUX
fsr-3265	216	12	likely	likely	ADJ
fsr-3265	216	13	to	to	PART
fsr-3265	216	14	increase	increase	VERB
fsr-3265	216	15	stock	stock	NOUN
fsr-3265	216	16	allocation	allocation	NOUN
fsr-3265	216	17	in	in	ADP
fsr-3265	216	18	a	a	DET
fsr-3265	216	19	retirement	retirement	NOUN
fsr-3265	216	20	portfolio	portfolio	NOUN
fsr-3265	216	21	,	,	PUNCT
fsr-3265	216	22	but	but	CCONJ
fsr-3265	216	23	a	a	DET
fsr-3265	216	24	negative	negative	ADJ
fsr-3265	216	25	mood	mood	NOUN
fsr-3265	216	26	state	state	NOUN
fsr-3265	216	27	is	be	AUX
fsr-3265	216	28	not	not	PART
fsr-3265	216	29	.	.	PUNCT
fsr-3265	217	1	because	because	SCONJ
fsr-3265	217	2	people	people	NOUN
fsr-3265	217	3	who	who	PRON
fsr-3265	217	4	have	have	VERB
fsr-3265	217	5	a	a	DET
fsr-3265	217	6	positive	positive	ADJ
fsr-3265	217	7	mood	mood	NOUN
fsr-3265	217	8	state	state	NOUN
fsr-3265	217	9	tend	tend	VERB
fsr-3265	217	10	to	to	PART
fsr-3265	217	11	underestimate	underestimate	VERB
fsr-3265	217	12	the	the	DET
fsr-3265	217	13	possibility	possibility	NOUN
fsr-3265	217	14	of	of	ADP
fsr-3265	217	15	loss	loss	NOUN
fsr-3265	217	16	,	,	PUNCT
fsr-3265	217	17	they	they	PRON
fsr-3265	217	18	are	be	AUX
fsr-3265	217	19	more	more	ADV
fsr-3265	217	20	willing	willing	ADJ
fsr-3265	217	21	to	to	PART
fsr-3265	217	22	take	take	VERB
fsr-3265	217	23	a	a	DET
fsr-3265	217	24	risk	risk	NOUN
fsr-3265	217	25	(	(	PUNCT
fsr-3265	217	26	au	au	PROPN
fsr-3265	217	27	,	,	PUNCT
fsr-3265	217	28	chan	chan	PROPN
fsr-3265	217	29	,	,	PUNCT
fsr-3265	217	30	wang	wang	PROPN
fsr-3265	217	31	,	,	PUNCT
fsr-3265	217	32	&	&	CCONJ
fsr-3265	217	33	vertinsky	vertinsky	ADJ
fsr-3265	217	34	,	,	PUNCT
fsr-3265	217	35	2003	2003	NUM
fsr-3265	217	36	;	;	PUNCT
fsr-3265	217	37	seo	seo	NOUN
fsr-3265	217	38	,	,	PUNCT
fsr-3265	217	39	goldfarb	goldfarb	PROPN
fsr-3265	217	40	,	,	PUNCT
fsr-3265	217	41	&	&	CCONJ
fsr-3265	217	42	barret	barret	PROPN
fsr-3265	217	43	,	,	PUNCT
fsr-3265	217	44	2010	2010	NUM
fsr-3265	217	45	)	)	PUNCT
fsr-3265	217	46	.	.	PUNCT
fsr-3265	218	1	respondents	respondent	NOUN
fsr-3265	218	2	’	'	PUNCT
fsr-3265	218	3	gpa	gpa	PROPN
fsr-3265	218	4	is	be	AUX
fsr-3265	218	5	positively	positively	ADV
fsr-3265	218	6	related	relate	VERB
fsr-3265	218	7	to	to	ADP
fsr-3265	218	8	a	a	DET
fsr-3265	218	9	choice	choice	NOUN
fsr-3265	218	10	of	of	ADP
fsr-3265	218	11	“	"	PUNCT
fsr-3265	218	12	no	no	DET
fsr-3265	218	13	default	default	NOUN
fsr-3265	218	14	,	,	PUNCT
fsr-3265	218	15	”	"	PUNCT
fsr-3265	218	16	as	as	SCONJ
fsr-3265	218	17	expected	expect	VERB
fsr-3265	218	18	.	.	PUNCT
fsr-3265	219	1	4.3	4.3	NUM
fsr-3265	219	2	.	.	PUNCT
fsr-3265	220	1	interaction	interaction	NOUN
fsr-3265	220	2	effects	effect	NOUN
fsr-3265	220	3	of	of	ADP
fsr-3265	220	4	financial	financial	ADJ
fsr-3265	220	5	literacy	literacy	NOUN
fsr-3265	220	6	and	and	CCONJ
fsr-3265	220	7	financial	financial	ADJ
fsr-3265	220	8	network	network	NOUN
fsr-3265	220	9	intensity	intensity	NOUN
fsr-3265	220	10	in	in	ADP
fsr-3265	220	11	addition	addition	NOUN
fsr-3265	220	12	to	to	ADP
fsr-3265	220	13	the	the	DET
fsr-3265	220	14	main	main	ADJ
fsr-3265	220	15	effects	effect	NOUN
fsr-3265	220	16	of	of	ADP
fsr-3265	220	17	financial	financial	ADJ
fsr-3265	220	18	literacy	literacy	NOUN
fsr-3265	220	19	and	and	CCONJ
fsr-3265	220	20	financial	financial	ADJ
fsr-3265	220	21	network	network	NOUN
fsr-3265	220	22	intensity	intensity	NOUN
fsr-3265	220	23	on	on	ADP
fsr-3265	220	24	investment	investment	NOUN
fsr-3265	220	25	decisions	decision	NOUN
fsr-3265	220	26	for	for	ADP
fsr-3265	220	27	retirement	retirement	NOUN
fsr-3265	220	28	,	,	PUNCT
fsr-3265	220	29	we	we	PRON
fsr-3265	220	30	hypothesized	hypothesize	VERB
fsr-3265	220	31	that	that	SCONJ
fsr-3265	220	32	the	the	DET
fsr-3265	220	33	two	two	NUM
fsr-3265	220	34	variables	variable	NOUN
fsr-3265	220	35	interact	interact	VERB
fsr-3265	220	36	with	with	ADP
fsr-3265	220	37	each	each	DET
fsr-3265	220	38	other	other	ADJ
fsr-3265	220	39	.	.	PUNCT
fsr-3265	221	1	column	column	NOUN
fsr-3265	221	2	2	2	NUM
fsr-3265	221	3	of	of	ADP
fsr-3265	221	4	table	table	NOUN
fsr-3265	221	5	4	4	NUM
fsr-3265	221	6	presents	present	NOUN
fsr-3265	221	7	regression	regression	NOUN
fsr-3265	221	8	results	result	NOUN
fsr-3265	221	9	of	of	ADP
fsr-3265	221	10	the	the	DET
fsr-3265	221	11	heckman	heckman	PROPN
fsr-3265	221	12	two	two	NUM
fsr-3265	221	13	-	-	PUNCT
fsr-3265	221	14	stage	stage	NOUN
fsr-3265	221	15	selection	selection	NOUN
fsr-3265	221	16	model	model	NOUN
fsr-3265	221	17	that	that	PRON
fsr-3265	221	18	includes	include	VERB
fsr-3265	221	19	an	an	DET
fsr-3265	221	20	interaction	interaction	NOUN
fsr-3265	221	21	term	term	NOUN
fsr-3265	221	22	of	of	ADP
fsr-3265	221	23	financial	financial	ADJ
fsr-3265	221	24	literacy	literacy	NOUN
fsr-3265	221	25	and	and	CCONJ
fsr-3265	221	26	financial	financial	ADJ
fsr-3265	221	27	network	network	NOUN
fsr-3265	221	28	intensity	intensity	NOUN
fsr-3265	221	29	.	.	PUNCT
fsr-3265	222	1	the	the	DET
fsr-3265	222	2	interaction	interaction	NOUN
fsr-3265	222	3	term	term	NOUN
fsr-3265	222	4	is	be	AUX
fsr-3265	222	5	not	not	PART
fsr-3265	222	6	significantly	significantly	ADV
fsr-3265	222	7	related	relate	VERB
fsr-3265	222	8	to	to	ADP
fsr-3265	222	9	respondents	respondent	NOUN
fsr-3265	222	10	’	'	PUNCT
fsr-3265	222	11	selection	selection	NOUN
fsr-3265	222	12	of	of	ADP
fsr-3265	222	13	the	the	DET
fsr-3265	222	14	default	default	NOUN
fsr-3265	222	15	option	option	NOUN
fsr-3265	222	16	(	(	PUNCT
fsr-3265	222	17	column	column	NOUN
fsr-3265	222	18	2a	2a	NUM
fsr-3265	222	19	)	)	PUNCT
fsr-3265	222	20	,	,	PUNCT
fsr-3265	222	21	not	not	PART
fsr-3265	222	22	supporting	support	VERB
fsr-3265	222	23	hypothesis	hypothesis	NOUN
fsr-3265	222	24	h3a	h3a	NOUN
fsr-3265	222	25	.	.	PUNCT
fsr-3265	223	1	the	the	DET
fsr-3265	223	2	interaction	interaction	NOUN
fsr-3265	223	3	term	term	NOUN
fsr-3265	223	4	,	,	PUNCT
fsr-3265	223	5	however	however	ADV
fsr-3265	223	6	,	,	PUNCT
fsr-3265	223	7	is	be	AUX
fsr-3265	223	8	significantly	significantly	ADV
fsr-3265	223	9	positively	positively	ADV
fsr-3265	223	10	related	relate	VERB
fsr-3265	223	11	to	to	ADP
fsr-3265	223	12	stock	stock	NOUN
fsr-3265	223	13	allocation	allocation	NOUN
fsr-3265	223	14	(	(	PUNCT
fsr-3265	223	15	column	column	NOUN
fsr-3265	223	16	2b	2b	NOUN
fsr-3265	223	17	)	)	PUNCT
fsr-3265	223	18	,	,	PUNCT
fsr-3265	223	19	supporting	support	VERB
fsr-3265	223	20	hypothesis	hypothesis	NOUN
fsr-3265	223	21	h3b	h3b	PROPN
fsr-3265	223	22	.	.	PUNCT
fsr-3265	224	1	the	the	DET
fsr-3265	224	2	positive	positive	ADJ
fsr-3265	224	3	sign	sign	NOUN
fsr-3265	224	4	of	of	ADP
fsr-3265	224	5	the	the	DET
fsr-3265	224	6	interaction	interaction	NOUN
fsr-3265	224	7	term	term	NOUN
fsr-3265	224	8	indicates	indicate	VERB
fsr-3265	224	9	a	a	DET
fsr-3265	224	10	complementary	complementary	ADJ
fsr-3265	224	11	effect	effect	NOUN
fsr-3265	224	12	between	between	ADP
fsr-3265	224	13	financial	financial	ADJ
fsr-3265	224	14	literacy	literacy	NOUN
fsr-3265	224	15	and	and	CCONJ
fsr-3265	224	16	financial	financial	ADJ
fsr-3265	224	17	network	network	NOUN
fsr-3265	224	18	intensity	intensity	NOUN
fsr-3265	224	19	on	on	ADP
fsr-3265	224	20	stock	stock	NOUN
fsr-3265	224	21	allocation	allocation	NOUN
fsr-3265	224	22	in	in	ADP
fsr-3265	224	23	a	a	DET
fsr-3265	224	24	retirement	retirement	NOUN
fsr-3265	224	25	portfolio	portfolio	NOUN
fsr-3265	224	26	.	.	PUNCT
fsr-3265	225	1	to	to	PART
fsr-3265	225	2	further	far	ADV
fsr-3265	225	3	examine	examine	VERB
fsr-3265	225	4	the	the	DET
fsr-3265	225	5	interaction	interaction	NOUN
fsr-3265	225	6	effect	effect	NOUN
fsr-3265	225	7	,	,	PUNCT
fsr-3265	225	8	following	follow	VERB
fsr-3265	225	9	aiken	aiken	PROPN
fsr-3265	225	10	and	and	CCONJ
fsr-3265	225	11	west	west	PROPN
fsr-3265	225	12	(	(	PUNCT
fsr-3265	225	13	1991	1991	NUM
fsr-3265	225	14	)	)	PUNCT
fsr-3265	225	15	,	,	PUNCT
fsr-3265	225	16	we	we	PRON
fsr-3265	225	17	depict	depict	VERB
fsr-3265	225	18	respondents	respondent	NOUN
fsr-3265	225	19	’	'	PUNCT
fsr-3265	225	20	contribution	contribution	NOUN
fsr-3265	225	21	allocation	allocation	NOUN
fsr-3265	225	22	to	to	ADP
fsr-3265	225	23	stock	stock	NOUN
fsr-3265	225	24	funds	fund	NOUN
fsr-3265	225	25	with	with	ADP
fsr-3265	225	26	respect	respect	NOUN
fsr-3265	225	27	to	to	ADP
fsr-3265	225	28	two	two	NUM
fsr-3265	225	29	different	different	ADJ
fsr-3265	225	30	levels	level	NOUN
fsr-3265	225	31	of	of	ADP
fsr-3265	225	32	financial	financial	ADJ
fsr-3265	225	33	literacy	literacy	NOUN
fsr-3265	225	34	and	and	CCONJ
fsr-3265	225	35	financial	financial	ADJ
fsr-3265	225	36	network	network	NOUN
fsr-3265	225	37	intensity	intensity	NOUN
fsr-3265	225	38	.	.	PUNCT
fsr-3265	226	1	a	a	DET
fsr-3265	226	2	high	high	ADJ
fsr-3265	226	3	or	or	CCONJ
fsr-3265	226	4	low	low	ADJ
fsr-3265	226	5	level	level	NOUN
fsr-3265	226	6	is	be	AUX
fsr-3265	226	7	defined	define	VERB
fsr-3265	226	8	by	by	ADP
fsr-3265	226	9	1	1	NUM
fsr-3265	226	10	sd	sd	NOUN
fsr-3265	226	11	above	above	ADP
fsr-3265	226	12	or	or	CCONJ
fsr-3265	226	13	below	below	ADP
fsr-3265	226	14	the	the	DET
fsr-3265	226	15	mean	mean	NOUN
fsr-3265	226	16	,	,	PUNCT
fsr-3265	226	17	respectively	respectively	ADV
fsr-3265	226	18	.	.	PUNCT
fsr-3265	227	1	fig	fig	NOUN
fsr-3265	227	2	.	.	PUNCT
fsr-3265	228	1	1	1	NUM
fsr-3265	228	2	shows	show	VERB
fsr-3265	228	3	that	that	SCONJ
fsr-3265	228	4	the	the	DET
fsr-3265	228	5	relationship	relationship	NOUN
fsr-3265	228	6	between	between	ADP
fsr-3265	228	7	financial	financial	ADJ
fsr-3265	228	8	literacy	literacy	NOUN
fsr-3265	228	9	and	and	CCONJ
fsr-3265	228	10	stock	stock	NOUN
fsr-3265	228	11	allocation	allocation	NOUN
fsr-3265	228	12	is	be	AUX
fsr-3265	228	13	positive	positive	ADJ
fsr-3265	228	14	and	and	CCONJ
fsr-3265	228	15	significant	significant	ADJ
fsr-3265	228	16	in	in	ADP
fsr-3265	228	17	a	a	DET
fsr-3265	228	18	high	high	ADJ
fsr-3265	228	19	level	level	NOUN
fsr-3265	228	20	of	of	ADP
fsr-3265	228	21	financial	financial	ADJ
fsr-3265	228	22	network	network	NOUN
fsr-3265	228	23	intensity	intensity	NOUN
fsr-3265	228	24	(	(	PUNCT
fsr-3265	228	25	with	with	ADP
fsr-3265	228	26	a	a	DET
fsr-3265	228	27	slope	slope	NOUN
fsr-3265	228	28	of	of	ADP
fsr-3265	228	29	0.171	0.171	NUM
fsr-3265	228	30	,	,	PUNCT
fsr-3265	228	31	p	p	ADJ
fsr-3265	228	32	-	-	PUNCT
fsr-3265	228	33	value	value	NOUN
fsr-3265	228	34	�	�	PROPN
fsr-3265	228	35	0.001	0.001	NUM
fsr-3265	228	36	)	)	PUNCT
fsr-3265	228	37	,	,	PUNCT
fsr-3265	228	38	but	but	CCONJ
fsr-3265	228	39	this	this	DET
fsr-3265	228	40	relationship	relationship	NOUN
fsr-3265	228	41	is	be	AUX
fsr-3265	228	42	not	not	PART
fsr-3265	228	43	significant	significant	ADJ
fsr-3265	228	44	in	in	ADP
fsr-3265	228	45	a	a	DET
fsr-3265	228	46	low	low	ADJ
fsr-3265	228	47	level	level	NOUN
fsr-3265	228	48	of	of	ADP
fsr-3265	228	49	financial	financial	ADJ
fsr-3265	228	50	network	network	NOUN
fsr-3265	228	51	intensity	intensity	NOUN
fsr-3265	228	52	(	(	PUNCT
fsr-3265	228	53	with	with	ADP
fsr-3265	228	54	a	a	DET
fsr-3265	228	55	slope	slope	NOUN
fsr-3265	228	56	of	of	ADP
fsr-3265	228	57	0.050	0.050	NUM
fsr-3265	228	58	,	,	PUNCT
fsr-3265	228	59	p	p	ADJ
fsr-3265	228	60	-	-	PUNCT
fsr-3265	228	61	value	value	NOUN
fsr-3265	228	62	�	�	PROPN
fsr-3265	228	63	0.300	0.300	NUM
fsr-3265	228	64	)	)	PUNCT
fsr-3265	228	65	.	.	PUNCT
fsr-3265	229	1	the	the	DET
fsr-3265	229	2	results	result	NOUN
fsr-3265	229	3	suggest	suggest	VERB
fsr-3265	229	4	that	that	SCONJ
fsr-3265	229	5	the	the	DET
fsr-3265	229	6	positive	positive	ADJ
fsr-3265	229	7	effects	effect	NOUN
fsr-3265	229	8	of	of	ADP
fsr-3265	229	9	financial	financial	ADJ
fsr-3265	229	10	literacy	literacy	NOUN
fsr-3265	229	11	on	on	ADP
fsr-3265	229	12	stock	stock	NOUN
fsr-3265	229	13	allocation	allocation	NOUN
fsr-3265	229	14	documented	document	VERB
fsr-3265	229	15	in	in	ADP
fsr-3265	229	16	the	the	DET
fsr-3265	229	17	literature	literature	NOUN
fsr-3265	229	18	(	(	PUNCT
fsr-3265	229	19	e.g.	e.g.	ADV
fsr-3265	229	20	,	,	PUNCT
fsr-3265	229	21	van	van	PROPN
fsr-3265	229	22	rooij	rooij	NOUN
fsr-3265	229	23	et	et	PROPN
fsr-3265	229	24	al	al	PROPN
fsr-3265	229	25	.	.	PROPN
fsr-3265	229	26	,	,	PUNCT
fsr-3265	229	27	2011	2011	NUM
fsr-3265	229	28	;	;	PUNCT
fsr-3265	229	29	yoong	yoong	PROPN
fsr-3265	229	30	,	,	PUNCT
fsr-3265	229	31	2010	2010	NUM
fsr-3265	229	32	)	)	PUNCT
fsr-3265	229	33	are	be	AUX
fsr-3265	229	34	limited	limit	VERB
fsr-3265	229	35	to	to	ADP
fsr-3265	229	36	those	those	PRON
fsr-3265	229	37	who	who	PRON
fsr-3265	229	38	have	have	VERB
fsr-3265	229	39	a	a	DET
fsr-3265	229	40	high	high	ADJ
fsr-3265	229	41	level	level	NOUN
fsr-3265	229	42	of	of	ADP
fsr-3265	229	43	financial	financial	ADJ
fsr-3265	229	44	network	network	NOUN
fsr-3265	229	45	intensity	intensity	NOUN
fsr-3265	229	46	(	(	PUNCT
fsr-3265	229	47	i.e.	i.e.	X
fsr-3265	229	48	,	,	PUNCT
fsr-3265	229	49	high	high	ADJ
fsr-3265	229	50	network	network	NOUN
fsr-3265	229	51	strength	strength	NOUN
fsr-3265	229	52	with	with	ADP
fsr-3265	229	53	the	the	DET
fsr-3265	229	54	financially	financially	ADV
fsr-3265	229	55	literate	literate	ADJ
fsr-3265	229	56	)	)	PUNCT
fsr-3265	229	57	.	.	PUNCT
fsr-3265	230	1	90	90	NUM
fsr-3265	230	2	y.	y.	PROPN
fsr-3265	230	3	chung	chung	PROPN
fsr-3265	230	4	,	,	PUNCT
fsr-3265	230	5	y.	y.	PROPN
fsr-3265	230	6	park	park	PROPN
fsr-3265	230	7	/	/	SYM
fsr-3265	230	8	financial	financial	ADJ
fsr-3265	230	9	services	service	NOUN
fsr-3265	230	10	review	review	VERB
fsr-3265	230	11	24	24	NUM
fsr-3265	230	12	(	(	PUNCT
fsr-3265	230	13	2015	2015	NUM
fsr-3265	230	14	)	)	PUNCT
fsr-3265	231	1	77–99	77–99	NUM
fsr-3265	231	2	4.4	4.4	NUM
fsr-3265	231	3	.	.	PUNCT
fsr-3265	232	1	effects	effect	NOUN
fsr-3265	232	2	of	of	ADP
fsr-3265	232	3	financial	financial	ADJ
fsr-3265	232	4	literacy	literacy	NOUN
fsr-3265	232	5	and	and	CCONJ
fsr-3265	232	6	financial	financial	ADJ
fsr-3265	232	7	network	network	NOUN
fsr-3265	232	8	intensity	intensity	NOUN
fsr-3265	232	9	on	on	ADP
fsr-3265	232	10	stock	stock	NOUN
fsr-3265	232	11	allocation	allocation	NOUN
fsr-3265	232	12	:	:	PUNCT
fsr-3265	232	13	deviation	deviation	NOUN
fsr-3265	232	14	from	from	ADP
fsr-3265	232	15	age	age	NOUN
fsr-3265	232	16	-	-	PUNCT
fsr-3265	232	17	appropriate	appropriate	ADJ
fsr-3265	232	18	stock	stock	NOUN
fsr-3265	232	19	allocations	allocation	NOUN
fsr-3265	232	20	among	among	ADP
fsr-3265	232	21	those	those	PRON
fsr-3265	232	22	who	who	PRON
fsr-3265	232	23	select	select	VERB
fsr-3265	232	24	“	"	PUNCT
fsr-3265	232	25	no	no	DET
fsr-3265	232	26	default	default	NOUN
fsr-3265	232	27	”	"	PUNCT
fsr-3265	232	28	and	and	CCONJ
fsr-3265	232	29	build	build	VERB
fsr-3265	232	30	their	their	PRON
fsr-3265	232	31	own	own	ADJ
fsr-3265	232	32	retirement	retirement	NOUN
fsr-3265	232	33	portfolio	portfolio	NOUN
fsr-3265	232	34	with	with	ADP
fsr-3265	232	35	the	the	DET
fsr-3265	232	36	10	10	NUM
fsr-3265	232	37	mutual	mutual	ADJ
fsr-3265	232	38	funds	fund	NOUN
fsr-3265	232	39	offered	offer	VERB
fsr-3265	232	40	,	,	PUNCT
fsr-3265	232	41	some	some	DET
fsr-3265	232	42	respondents	respondent	NOUN
fsr-3265	232	43	may	may	AUX
fsr-3265	232	44	not	not	PART
fsr-3265	232	45	construct	construct	VERB
fsr-3265	232	46	an	an	DET
fsr-3265	232	47	appropriate	appropriate	ADJ
fsr-3265	232	48	portfolio	portfolio	NOUN
fsr-3265	232	49	—	—	PUNCT
fsr-3265	232	50	for	for	ADP
fsr-3265	232	51	example	example	NOUN
fsr-3265	232	52	,	,	PUNCT
fsr-3265	232	53	too	too	ADV
fsr-3265	232	54	little	little	ADJ
fsr-3265	232	55	or	or	CCONJ
fsr-3265	232	56	too	too	ADV
fsr-3265	232	57	much	much	ADJ
fsr-3265	232	58	stock	stock	NOUN
fsr-3265	232	59	allocation	allocation	NOUN
fsr-3265	232	60	.	.	PUNCT
fsr-3265	233	1	in	in	ADP
fsr-3265	233	2	this	this	DET
fsr-3265	233	3	section	section	NOUN
fsr-3265	233	4	,	,	PUNCT
fsr-3265	233	5	we	we	PRON
fsr-3265	233	6	attempt	attempt	VERB
fsr-3265	233	7	to	to	PART
fsr-3265	233	8	see	see	VERB
fsr-3265	233	9	whether	whether	SCONJ
fsr-3265	233	10	respondents	respondent	NOUN
fsr-3265	233	11	construct	construct	VERB
fsr-3265	233	12	an	an	DET
fsr-3265	233	13	appropriate	appropriate	ADJ
fsr-3265	233	14	retirement	retirement	NOUN
fsr-3265	233	15	investment	investment	NOUN
fsr-3265	233	16	portfolio	portfolio	NOUN
fsr-3265	233	17	based	base	VERB
fsr-3265	233	18	on	on	ADP
fsr-3265	233	19	their	their	PRON
fsr-3265	233	20	age	age	NOUN
fsr-3265	233	21	and	and	CCONJ
fsr-3265	233	22	risk	risk	NOUN
fsr-3265	233	23	tolerance	tolerance	NOUN
fsr-3265	233	24	level	level	NOUN
fsr-3265	233	25	,	,	PUNCT
fsr-3265	233	26	focusing	focus	VERB
fsr-3265	233	27	on	on	ADP
fsr-3265	233	28	stock	stock	NOUN
fsr-3265	233	29	allocation	allocation	NOUN
fsr-3265	233	30	.	.	PUNCT
fsr-3265	234	1	for	for	ADP
fsr-3265	234	2	doing	do	VERB
fsr-3265	234	3	this	this	PRON
fsr-3265	234	4	,	,	PUNCT
fsr-3265	234	5	we	we	PRON
fsr-3265	234	6	use	use	VERB
fsr-3265	234	7	as	as	ADP
fsr-3265	234	8	a	a	DET
fsr-3265	234	9	benchmark	benchmark	NOUN
fsr-3265	234	10	the	the	DET
fsr-3265	234	11	2012	2012	NUM
fsr-3265	234	12	morningstar	morningstar	NOUN
fsr-3265	234	13	lifetime	lifetime	NOUN
fsr-3265	234	14	allocation	allocation	NOUN
fsr-3265	234	15	indexes	index	NOUN
fsr-3265	234	16	—	—	PUNCT
fsr-3265	234	17	u.s	u.s	PROPN
fsr-3265	234	18	.	.	PROPN
fsr-3265	234	19	investors	investor	NOUN
fsr-3265	234	20	(	(	PUNCT
fsr-3265	234	21	morningstar	morningstar	NOUN
fsr-3265	234	22	,	,	PUNCT
fsr-3265	234	23	2012	2012	NUM
fsr-3265	234	24	)	)	PUNCT
fsr-3265	234	25	.	.	PUNCT
fsr-3265	235	1	the	the	DET
fsr-3265	235	2	morningstar	morningstar	NOUN
fsr-3265	235	3	indexes	index	NOUN
fsr-3265	235	4	provide	provide	VERB
fsr-3265	235	5	the	the	DET
fsr-3265	235	6	information	information	NOUN
fsr-3265	235	7	of	of	ADP
fsr-3265	235	8	asset	asset	NOUN
fsr-3265	235	9	allocation	allocation	NOUN
fsr-3265	235	10	over	over	ADP
fsr-3265	235	11	lifetime	lifetime	NOUN
fsr-3265	235	12	for	for	ADP
fsr-3265	235	13	three	three	NUM
fsr-3265	235	14	different	different	ADJ
fsr-3265	235	15	risk	risk	NOUN
fsr-3265	235	16	profiles	profile	NOUN
fsr-3265	235	17	:	:	PUNCT
fsr-3265	235	18	aggressive	aggressive	ADJ
fsr-3265	235	19	,	,	PUNCT
fsr-3265	235	20	moderate	moderate	ADJ
fsr-3265	235	21	,	,	PUNCT
fsr-3265	235	22	and	and	CCONJ
fsr-3265	235	23	conservative	conservative	ADJ
fsr-3265	235	24	.	.	PUNCT
fsr-3265	236	1	we	we	PRON
fsr-3265	236	2	assume	assume	VERB
fsr-3265	236	3	that	that	SCONJ
fsr-3265	236	4	the	the	DET
fsr-3265	236	5	asset	asset	NOUN
fsr-3265	236	6	allocations	allocation	NOUN
fsr-3265	236	7	of	of	ADP
fsr-3265	236	8	the	the	DET
fsr-3265	236	9	morningstar	morningstar	NOUN
fsr-3265	236	10	indexes	index	NOUN
fsr-3265	236	11	represent	represent	VERB
fsr-3265	236	12	age	age	NOUN
fsr-3265	236	13	-	-	PUNCT
fsr-3265	236	14	appropriate	appropriate	ADJ
fsr-3265	236	15	ones	one	NOUN
fsr-3265	236	16	for	for	ADP
fsr-3265	236	17	retirement	retirement	NOUN
fsr-3265	236	18	.	.	PUNCT
fsr-3265	237	1	to	to	PART
fsr-3265	237	2	calculate	calculate	VERB
fsr-3265	237	3	any	any	DET
fsr-3265	237	4	deviation	deviation	NOUN
fsr-3265	237	5	of	of	ADP
fsr-3265	237	6	respondents	respondent	NOUN
fsr-3265	237	7	’	'	PUNCT
fsr-3265	237	8	stock	stock	NOUN
fsr-3265	237	9	allocation	allocation	NOUN
fsr-3265	237	10	from	from	ADP
fsr-3265	237	11	the	the	DET
fsr-3265	237	12	stock	stock	NOUN
fsr-3265	237	13	allocations	allocation	NOUN
fsr-3265	237	14	of	of	ADP
fsr-3265	237	15	the	the	DET
fsr-3265	237	16	morningstar	morningstar	NOUN
fsr-3265	237	17	indexes	index	NOUN
fsr-3265	237	18	,	,	PUNCT
fsr-3265	237	19	we	we	PRON
fsr-3265	237	20	use	use	VERB
fsr-3265	237	21	the	the	DET
fsr-3265	237	22	following	follow	VERB
fsr-3265	237	23	formula	formula	NOUN
fsr-3265	237	24	:	:	PUNCT
fsr-3265	237	25	devi	devi	PROPN
fsr-3265	237	26	�	�	PROPN
fsr-3265	237	27	|	|	ADV
fsr-3265	237	28	yi	yi	PROPN
fsr-3265	237	29	�	�	PROPN
fsr-3265	237	30	indexk|	indexk|	X
fsr-3265	237	31	(	(	PUNCT
fsr-3265	237	32	4	4	NUM
fsr-3265	237	33	)	)	PUNCT
fsr-3265	237	34	where	where	SCONJ
fsr-3265	237	35	the	the	DET
fsr-3265	237	36	variable	variable	ADJ
fsr-3265	237	37	yi	yi	PROPN
fsr-3265	237	38	indicates	indicate	VERB
fsr-3265	237	39	individual	individual	ADJ
fsr-3265	237	40	i	i	PROPN
fsr-3265	237	41	’s	’	VERB
fsr-3265	237	42	contribution	contribution	NOUN
fsr-3265	237	43	allocation	allocation	NOUN
fsr-3265	237	44	to	to	ADP
fsr-3265	237	45	stock	stock	NOUN
fsr-3265	237	46	funds	fund	NOUN
fsr-3265	237	47	as	as	ADP
fsr-3265	237	48	a	a	DET
fsr-3265	237	49	percentage	percentage	NOUN
fsr-3265	237	50	and	and	CCONJ
fsr-3265	237	51	where	where	SCONJ
fsr-3265	237	52	indexk	indexk	NOUN
fsr-3265	237	53	indicates	indicate	VERB
fsr-3265	237	54	stock	stock	NOUN
fsr-3265	237	55	allocations	allocation	NOUN
fsr-3265	237	56	of	of	ADP
fsr-3265	237	57	the	the	DET
fsr-3265	237	58	morningstar	morningstar	NOUN
fsr-3265	237	59	indexes	index	NOUN
fsr-3265	237	60	for	for	ADP
fsr-3265	237	61	k	k	PROPN
fsr-3265	237	62	�	�	PROPN
fsr-3265	237	63	aggressive	aggressive	ADJ
fsr-3265	237	64	,	,	PUNCT
fsr-3265	237	65	moderate	moderate	ADJ
fsr-3265	237	66	,	,	PUNCT
fsr-3265	237	67	or	or	CCONJ
fsr-3265	237	68	conservative	conservative	ADJ
fsr-3265	237	69	.	.	PUNCT
fsr-3265	238	1	a	a	DET
fsr-3265	238	2	k	k	NOUN
fsr-3265	238	3	is	be	AUX
fsr-3265	238	4	determined	determine	VERB
fsr-3265	238	5	according	accord	VERB
fsr-3265	238	6	to	to	ADP
fsr-3265	238	7	a	a	DET
fsr-3265	238	8	respondent	respondent	NOUN
fsr-3265	238	9	’s	’s	PART
fsr-3265	238	10	risk	risk	NOUN
fsr-3265	238	11	tolerance	tolerance	NOUN
fsr-3265	238	12	level	level	NOUN
fsr-3265	238	13	:	:	PUNCT
fsr-3265	238	14	for	for	ADP
fsr-3265	238	15	example	example	NOUN
fsr-3265	238	16	,	,	PUNCT
fsr-3265	238	17	if	if	SCONJ
fsr-3265	238	18	a	a	DET
fsr-3265	238	19	respondent	respondent	NOUN
fsr-3265	238	20	’s	’s	PART
fsr-3265	238	21	risk	risk	NOUN
fsr-3265	238	22	tolerance	tolerance	NOUN
fsr-3265	238	23	level	level	NOUN
fsr-3265	238	24	is	be	AUX
fsr-3265	238	25	low	low	ADJ
fsr-3265	238	26	,	,	PUNCT
fsr-3265	238	27	a	a	DET
fsr-3265	238	28	conservative	conservative	ADJ
fsr-3265	238	29	allocation	allocation	NOUN
fsr-3265	238	30	of	of	ADP
fsr-3265	238	31	the	the	DET
fsr-3265	238	32	morningstar	morningstar	NOUN
fsr-3265	238	33	indexes	index	NOUN
fsr-3265	238	34	is	be	AUX
fsr-3265	238	35	regarded	regard	VERB
fsr-3265	238	36	as	as	ADP
fsr-3265	238	37	his	his	PRON
fsr-3265	238	38	or	or	CCONJ
fsr-3265	238	39	her	her	PRON
fsr-3265	238	40	appropriate	appropriate	ADJ
fsr-3265	238	41	asset	asset	NOUN
fsr-3265	238	42	allocation	allocation	NOUN
fsr-3265	238	43	.	.	PUNCT
fsr-3265	239	1	a	a	DET
fsr-3265	239	2	respondent	respondent	NOUN
fsr-3265	239	3	’s	’s	PART
fsr-3265	239	4	risk	risk	NOUN
fsr-3265	239	5	tolerance	tolerance	NOUN
fsr-3265	239	6	is	be	AUX
fsr-3265	239	7	categorized	categorize	VERB
fsr-3265	239	8	into	into	ADP
fsr-3265	239	9	three	three	NUM
fsr-3265	239	10	levels	level	NOUN
fsr-3265	239	11	based	base	VERB
fsr-3265	239	12	on	on	ADP
fsr-3265	239	13	his	his	PRON
fsr-3265	239	14	or	or	CCONJ
fsr-3265	239	15	her	her	PRON
fsr-3265	239	16	risk	risk	NOUN
fsr-3265	239	17	tolerance	tolerance	NOUN
fsr-3265	239	18	score	score	NOUN
fsr-3265	239	19	.	.	PUNCT
fsr-3265	240	1	a	a	DET
fsr-3265	240	2	low	low	ADJ
fsr-3265	240	3	level	level	NOUN
fsr-3265	240	4	of	of	ADP
fsr-3265	240	5	risk	risk	NOUN
fsr-3265	240	6	tolerance	tolerance	NOUN
fsr-3265	240	7	is	be	AUX
fsr-3265	240	8	defined	define	VERB
fsr-3265	240	9	with	with	ADP
fsr-3265	240	10	scores	score	NOUN
fsr-3265	240	11	of	of	ADP
fsr-3265	240	12	less	less	ADJ
fsr-3265	240	13	than	than	ADP
fsr-3265	240	14	24	24	NUM
fsr-3265	240	15	,	,	PUNCT
fsr-3265	240	16	a	a	DET
fsr-3265	240	17	medium	medium	ADJ
fsr-3265	240	18	fig	fig	NOUN
fsr-3265	240	19	.	.	PUNCT
fsr-3265	241	1	1	1	X
fsr-3265	241	2	.	.	X
fsr-3265	241	3	interaction	interaction	NOUN
fsr-3265	241	4	effects	effect	NOUN
fsr-3265	241	5	of	of	ADP
fsr-3265	241	6	financial	financial	ADJ
fsr-3265	241	7	literacy	literacy	NOUN
fsr-3265	241	8	and	and	CCONJ
fsr-3265	241	9	network	network	NOUN
fsr-3265	241	10	intensity	intensity	NOUN
fsr-3265	241	11	on	on	ADP
fsr-3265	241	12	contribution	contribution	NOUN
fsr-3265	241	13	allocation	allocation	NOUN
fsr-3265	241	14	to	to	ADP
fsr-3265	241	15	stock	stock	NOUN
fsr-3265	241	16	funds	fund	NOUN
fsr-3265	241	17	.	.	PUNCT
fsr-3265	242	1	notes	note	NOUN
fsr-3265	242	2	:	:	PUNCT
fsr-3265	242	3	this	this	DET
fsr-3265	242	4	figure	figure	NOUN
fsr-3265	242	5	depicts	depict	VERB
fsr-3265	242	6	the	the	DET
fsr-3265	242	7	interaction	interaction	NOUN
fsr-3265	242	8	effects	effect	NOUN
fsr-3265	242	9	based	base	VERB
fsr-3265	242	10	on	on	ADP
fsr-3265	242	11	the	the	DET
fsr-3265	242	12	regression	regression	NOUN
fsr-3265	242	13	results	result	NOUN
fsr-3265	242	14	in	in	ADP
fsr-3265	242	15	column	column	NOUN
fsr-3265	242	16	2b	2b	NOUN
fsr-3265	242	17	of	of	ADP
fsr-3265	242	18	table	table	NOUN
fsr-3265	242	19	4	4	NUM
fsr-3265	242	20	.	.	PUNCT
fsr-3265	242	21	91y	91y	NOUN
fsr-3265	242	22	.	.	PUNCT
fsr-3265	243	1	chung	chung	PROPN
fsr-3265	243	2	,	,	PUNCT
fsr-3265	243	3	y.	y.	PROPN
fsr-3265	243	4	park	park	PROPN
fsr-3265	243	5	/	/	SYM
fsr-3265	243	6	financial	financial	ADJ
fsr-3265	243	7	services	service	NOUN
fsr-3265	243	8	review	review	VERB
fsr-3265	243	9	24	24	NUM
fsr-3265	243	10	(	(	PUNCT
fsr-3265	243	11	2015	2015	NUM
fsr-3265	243	12	)	)	PUNCT
fsr-3265	244	1	77–99	77–99	NUM
fsr-3265	244	2	level	level	NOUN
fsr-3265	244	3	with	with	ADP
fsr-3265	244	4	scores	score	NOUN
fsr-3265	244	5	of	of	ADP
fsr-3265	244	6	24–32	24–32	NUM
fsr-3265	244	7	,	,	PUNCT
fsr-3265	244	8	and	and	CCONJ
fsr-3265	244	9	a	a	DET
fsr-3265	244	10	high	high	ADJ
fsr-3265	244	11	level	level	NOUN
fsr-3265	244	12	with	with	ADP
fsr-3265	244	13	scores	score	NOUN
fsr-3265	244	14	of	of	ADP
fsr-3265	244	15	more	more	ADJ
fsr-3265	244	16	than	than	ADP
fsr-3265	244	17	32	32	NUM
fsr-3265	244	18	.	.	PUNCT
fsr-3265	245	1	the	the	DET
fsr-3265	245	2	threshold	threshold	NOUN
fsr-3265	245	3	scores	score	NOUN
fsr-3265	245	4	of	of	ADP
fsr-3265	245	5	24	24	NUM
fsr-3265	245	6	and	and	CCONJ
fsr-3265	245	7	32	32	NUM
fsr-3265	245	8	are	be	AUX
fsr-3265	245	9	derived	derive	VERB
fsr-3265	245	10	from	from	ADP
fsr-3265	245	11	the	the	DET
fsr-3265	245	12	findings	finding	NOUN
fsr-3265	245	13	of	of	ADP
fsr-3265	245	14	grable	grable	PROPN
fsr-3265	245	15	and	and	CCONJ
fsr-3265	245	16	lytton	lytton	PROPN
fsr-3265	245	17	(	(	PUNCT
fsr-3265	245	18	2003	2003	NUM
fsr-3265	245	19	)	)	PUNCT
fsr-3265	245	20	and	and	CCONJ
fsr-3265	245	21	grable	grable	PROPN
fsr-3265	245	22	et	et	PROPN
fsr-3265	245	23	al	al	PROPN
fsr-3265	245	24	.	.	PUNCT
fsr-3265	246	1	(	(	PUNCT
fsr-3265	246	2	2004).13	2004).13	NUM
fsr-3265	246	3	those	those	PRON
fsr-3265	246	4	who	who	PRON
fsr-3265	246	5	selected	select	VERB
fsr-3265	246	6	“	"	PUNCT
fsr-3265	246	7	no	no	DET
fsr-3265	246	8	default	default	NOUN
fsr-3265	246	9	”	"	PUNCT
fsr-3265	246	10	have	have	AUX
fsr-3265	246	11	constructed	construct	VERB
fsr-3265	246	12	their	their	PRON
fsr-3265	246	13	retirement	retirement	NOUN
fsr-3265	246	14	portfolios	portfolio	NOUN
fsr-3265	246	15	with	with	ADP
fsr-3265	246	16	a	a	DET
fsr-3265	246	17	deviation	deviation	NOUN
fsr-3265	246	18	of	of	ADP
fsr-3265	246	19	7.2–80.9	7.2–80.9	NUM
fsr-3265	246	20	percentage	percentage	NOUN
fsr-3265	246	21	points	point	NOUN
fsr-3265	246	22	from	from	ADP
fsr-3265	246	23	the	the	DET
fsr-3265	246	24	age	age	NOUN
fsr-3265	246	25	-	-	PUNCT
fsr-3265	246	26	appropriate	appropriate	ADJ
fsr-3265	246	27	stock	stock	NOUN
fsr-3265	246	28	allocations	allocation	NOUN
fsr-3265	246	29	.	.	PUNCT
fsr-3265	247	1	the	the	DET
fsr-3265	247	2	mean	mean	ADJ
fsr-3265	247	3	deviation	deviation	NOUN
fsr-3265	247	4	is	be	AUX
fsr-3265	247	5	35.8	35.8	NUM
fsr-3265	247	6	percentage	percentage	NOUN
fsr-3265	247	7	points	point	NOUN
fsr-3265	247	8	(	(	PUNCT
fsr-3265	247	9	panel	panel	NOUN
fsr-3265	247	10	a	a	PRON
fsr-3265	247	11	of	of	ADP
fsr-3265	247	12	table	table	NOUN
fsr-3265	247	13	5	5	NUM
fsr-3265	247	14	)	)	PUNCT
fsr-3265	247	15	.	.	PUNCT
fsr-3265	248	1	to	to	PART
fsr-3265	248	2	examine	examine	VERB
fsr-3265	248	3	how	how	SCONJ
fsr-3265	248	4	the	the	DET
fsr-3265	248	5	deviation	deviation	NOUN
fsr-3265	248	6	is	be	AUX
fsr-3265	248	7	related	relate	VERB
fsr-3265	248	8	to	to	ADP
fsr-3265	248	9	respondents	respondent	NOUN
fsr-3265	248	10	’	'	PUNCT
fsr-3265	248	11	financial	financial	ADJ
fsr-3265	248	12	literacy	literacy	NOUN
fsr-3265	248	13	and	and	CCONJ
fsr-3265	248	14	financial	financial	ADJ
fsr-3265	248	15	network	network	NOUN
fsr-3265	248	16	intensity	intensity	NOUN
fsr-3265	248	17	,	,	PUNCT
fsr-3265	248	18	we	we	PRON
fsr-3265	248	19	estimate	estimate	VERB
fsr-3265	248	20	a	a	DET
fsr-3265	248	21	heckman	heckman	PROPN
fsr-3265	248	22	two	two	NUM
fsr-3265	248	23	-	-	PUNCT
fsr-3265	248	24	stage	stage	NOUN
fsr-3265	248	25	selection	selection	NOUN
fsr-3265	248	26	model	model	NOUN
fsr-3265	248	27	that	that	PRON
fsr-3265	248	28	includes	include	VERB
fsr-3265	248	29	the	the	DET
fsr-3265	248	30	deviation	deviation	NOUN
fsr-3265	248	31	from	from	ADP
fsr-3265	248	32	the	the	DET
fsr-3265	248	33	age	age	NOUN
fsr-3265	248	34	-	-	PUNCT
fsr-3265	248	35	appropriate	appropriate	ADJ
fsr-3265	248	36	stock	stock	NOUN
fsr-3265	248	37	allocations	allocation	NOUN
fsr-3265	248	38	as	as	ADP
fsr-3265	248	39	a	a	DET
fsr-3265	248	40	dependent	dependent	ADJ
fsr-3265	248	41	variable	variable	NOUN
fsr-3265	248	42	in	in	ADP
fsr-3265	248	43	the	the	DET
fsr-3265	248	44	second	second	ADJ
fsr-3265	248	45	stage	stage	NOUN
fsr-3265	248	46	.	.	PUNCT
fsr-3265	249	1	the	the	DET
fsr-3265	249	2	model	model	NOUN
fsr-3265	249	3	also	also	ADV
fsr-3265	249	4	includes	include	VERB
fsr-3265	249	5	an	an	DET
fsr-3265	249	6	interaction	interaction	NOUN
fsr-3265	249	7	term	term	NOUN
fsr-3265	249	8	of	of	ADP
fsr-3265	249	9	financial	financial	ADJ
fsr-3265	249	10	literacy	literacy	NOUN
fsr-3265	249	11	and	and	CCONJ
fsr-3265	249	12	financial	financial	ADJ
fsr-3265	249	13	network	network	NOUN
fsr-3265	249	14	intensity	intensity	NOUN
fsr-3265	249	15	.	.	PUNCT
fsr-3265	250	1	panel	panel	NOUN
fsr-3265	250	2	b	b	PROPN
fsr-3265	250	3	of	of	ADP
fsr-3265	250	4	table	table	NOUN
fsr-3265	250	5	5	5	NUM
fsr-3265	250	6	presents	present	VERB
fsr-3265	250	7	the	the	DET
fsr-3265	250	8	regression	regression	NOUN
fsr-3265	250	9	results	result	NOUN
fsr-3265	250	10	for	for	ADP
fsr-3265	250	11	the	the	DET
fsr-3265	250	12	deviation	deviation	NOUN
fsr-3265	250	13	from	from	ADP
fsr-3265	250	14	the	the	DET
fsr-3265	250	15	ageappropriate	ageappropriate	ADJ
fsr-3265	250	16	stock	stock	NOUN
fsr-3265	250	17	allocations	allocation	NOUN
fsr-3265	250	18	based	base	VERB
fsr-3265	250	19	on	on	ADP
fsr-3265	250	20	respondents	respondent	NOUN
fsr-3265	250	21	’	'	PUNCT
fsr-3265	250	22	age	age	NOUN
fsr-3265	250	23	and	and	CCONJ
fsr-3265	250	24	risk	risk	NOUN
fsr-3265	250	25	tolerance	tolerance	NOUN
fsr-3265	250	26	level	level	NOUN
fsr-3265	250	27	.	.	PUNCT
fsr-3265	251	1	column	column	NOUN
fsr-3265	251	2	1b	1b	PROPN
fsr-3265	251	3	shows	show	VERB
fsr-3265	251	4	that	that	SCONJ
fsr-3265	251	5	the	the	DET
fsr-3265	251	6	deviation	deviation	NOUN
fsr-3265	251	7	is	be	AUX
fsr-3265	251	8	significantly	significantly	ADV
fsr-3265	251	9	negatively	negatively	ADV
fsr-3265	251	10	related	relate	VERB
fsr-3265	251	11	to	to	ADP
fsr-3265	251	12	financial	financial	ADJ
fsr-3265	251	13	literacy	literacy	NOUN
fsr-3265	251	14	and	and	CCONJ
fsr-3265	251	15	financial	financial	ADJ
fsr-3265	251	16	network	network	NOUN
fsr-3265	251	17	intensity	intensity	NOUN
fsr-3265	251	18	.	.	PUNCT
fsr-3265	252	1	in	in	ADP
fsr-3265	252	2	addition	addition	NOUN
fsr-3265	252	3	,	,	PUNCT
fsr-3265	252	4	the	the	DET
fsr-3265	252	5	interaction	interaction	NOUN
fsr-3265	252	6	term	term	NOUN
fsr-3265	252	7	of	of	ADP
fsr-3265	252	8	financial	financial	ADJ
fsr-3265	252	9	literacy	literacy	NOUN
fsr-3265	252	10	and	and	CCONJ
fsr-3265	252	11	financial	financial	ADJ
fsr-3265	252	12	network	network	NOUN
fsr-3265	252	13	intensity	intensity	NOUN
fsr-3265	252	14	is	be	AUX
fsr-3265	252	15	significantly	significantly	ADV
fsr-3265	252	16	negatively	negatively	ADV
fsr-3265	252	17	related	relate	VERB
fsr-3265	252	18	to	to	ADP
fsr-3265	252	19	the	the	DET
fsr-3265	252	20	deviation	deviation	NOUN
fsr-3265	252	21	.	.	PUNCT
fsr-3265	253	1	the	the	DET
fsr-3265	253	2	negative	negative	ADJ
fsr-3265	253	3	sign	sign	NOUN
fsr-3265	253	4	of	of	ADP
fsr-3265	253	5	the	the	DET
fsr-3265	253	6	interaction	interaction	NOUN
fsr-3265	253	7	term	term	NOUN
fsr-3265	253	8	indicates	indicate	VERB
fsr-3265	253	9	a	a	DET
fsr-3265	253	10	complementary	complementary	ADJ
fsr-3265	253	11	effect	effect	NOUN
fsr-3265	253	12	between	between	ADP
fsr-3265	253	13	financial	financial	ADJ
fsr-3265	253	14	literacy	literacy	NOUN
fsr-3265	253	15	and	and	CCONJ
fsr-3265	253	16	financial	financial	ADJ
fsr-3265	253	17	network	network	NOUN
fsr-3265	253	18	intensity	intensity	NOUN
fsr-3265	253	19	on	on	ADP
fsr-3265	253	20	reducing	reduce	VERB
fsr-3265	253	21	the	the	DET
fsr-3265	253	22	deviation	deviation	NOUN
fsr-3265	253	23	from	from	ADP
fsr-3265	253	24	the	the	DET
fsr-3265	253	25	benchmark	benchmark	ADJ
fsr-3265	253	26	stock	stock	NOUN
fsr-3265	253	27	allocations	allocation	NOUN
fsr-3265	253	28	.	.	PUNCT
fsr-3265	254	1	to	to	PART
fsr-3265	254	2	further	far	ADV
fsr-3265	254	3	examine	examine	VERB
fsr-3265	254	4	the	the	DET
fsr-3265	254	5	interaction	interaction	NOUN
fsr-3265	254	6	effects	effect	NOUN
fsr-3265	254	7	,	,	PUNCT
fsr-3265	254	8	we	we	PRON
fsr-3265	254	9	depict	depict	VERB
fsr-3265	254	10	the	the	DET
fsr-3265	254	11	deviation	deviation	NOUN
fsr-3265	254	12	from	from	ADP
fsr-3265	254	13	the	the	DET
fsr-3265	254	14	age	age	NOUN
fsr-3265	254	15	-	-	PUNCT
fsr-3265	254	16	appropriate	appropriate	ADJ
fsr-3265	254	17	stock	stock	NOUN
fsr-3265	254	18	allocation	allocation	NOUN
fsr-3265	254	19	with	with	ADP
fsr-3265	254	20	respect	respect	NOUN
fsr-3265	254	21	to	to	ADP
fsr-3265	254	22	two	two	NUM
fsr-3265	254	23	different	different	ADJ
fsr-3265	254	24	levels	level	NOUN
fsr-3265	254	25	of	of	ADP
fsr-3265	254	26	financial	financial	ADJ
fsr-3265	254	27	literacy	literacy	NOUN
fsr-3265	254	28	and	and	CCONJ
fsr-3265	254	29	financial	financial	ADJ
fsr-3265	254	30	network	network	NOUN
fsr-3265	254	31	intensity	intensity	NOUN
fsr-3265	254	32	.	.	PUNCT
fsr-3265	255	1	a	a	DET
fsr-3265	255	2	high	high	ADJ
fsr-3265	255	3	or	or	CCONJ
fsr-3265	255	4	low	low	ADJ
fsr-3265	255	5	level	level	NOUN
fsr-3265	255	6	is	be	AUX
fsr-3265	255	7	defined	define	VERB
fsr-3265	255	8	by	by	ADP
fsr-3265	255	9	1	1	NUM
fsr-3265	255	10	sd	sd	NOUN
fsr-3265	255	11	above	above	ADP
fsr-3265	255	12	or	or	CCONJ
fsr-3265	255	13	below	below	ADP
fsr-3265	255	14	the	the	DET
fsr-3265	255	15	mean	mean	NOUN
fsr-3265	255	16	,	,	PUNCT
fsr-3265	255	17	respectively	respectively	ADV
fsr-3265	255	18	,	,	PUNCT
fsr-3265	255	19	as	as	ADP
fsr-3265	255	20	in	in	ADP
fsr-3265	255	21	fig	fig	NOUN
fsr-3265	255	22	.	.	PUNCT
fsr-3265	256	1	1	1	X
fsr-3265	256	2	.	.	X
fsr-3265	256	3	fig	fig	NOUN
fsr-3265	256	4	.	.	PUNCT
fsr-3265	257	1	2	2	NUM
fsr-3265	257	2	shows	show	VERB
fsr-3265	257	3	that	that	SCONJ
fsr-3265	257	4	the	the	DET
fsr-3265	257	5	effect	effect	NOUN
fsr-3265	257	6	of	of	ADP
fsr-3265	257	7	financial	financial	ADJ
fsr-3265	257	8	literacy	literacy	NOUN
fsr-3265	257	9	on	on	ADP
fsr-3265	257	10	the	the	DET
fsr-3265	257	11	deviation	deviation	NOUN
fsr-3265	257	12	is	be	AUX
fsr-3265	257	13	significant	significant	ADJ
fsr-3265	257	14	in	in	ADP
fsr-3265	257	15	the	the	DET
fsr-3265	257	16	high	high	ADJ
fsr-3265	257	17	financial	financial	ADJ
fsr-3265	257	18	network	network	NOUN
fsr-3265	257	19	intensity	intensity	NOUN
fsr-3265	257	20	(	(	PUNCT
fsr-3265	257	21	with	with	ADP
fsr-3265	257	22	a	a	DET
fsr-3265	257	23	slope	slope	NOUN
fsr-3265	257	24	of	of	ADP
fsr-3265	257	25	�	�	PROPN
fsr-3265	257	26	0.156	0.156	NUM
fsr-3265	257	27	,	,	PUNCT
fsr-3265	257	28	p	p	ADJ
fsr-3265	257	29	-	-	PUNCT
fsr-3265	257	30	value	value	NOUN
fsr-3265	257	31	�	�	PROPN
fsr-3265	257	32	0.001	0.001	NUM
fsr-3265	257	33	)	)	PUNCT
fsr-3265	257	34	,	,	PUNCT
fsr-3265	257	35	but	but	CCONJ
fsr-3265	257	36	is	be	AUX
fsr-3265	257	37	not	not	PART
fsr-3265	257	38	significant	significant	ADJ
fsr-3265	257	39	in	in	ADP
fsr-3265	257	40	the	the	DET
fsr-3265	257	41	low	low	ADJ
fsr-3265	257	42	financial	financial	ADJ
fsr-3265	257	43	network	network	NOUN
fsr-3265	257	44	intensity	intensity	NOUN
fsr-3265	257	45	(	(	PUNCT
fsr-3265	257	46	with	with	ADP
fsr-3265	257	47	a	a	DET
fsr-3265	257	48	slope	slope	NOUN
fsr-3265	257	49	of	of	ADP
fsr-3265	257	50	�	�	PROPN
fsr-3265	257	51	0.056	0.056	NUM
fsr-3265	257	52	,	,	PUNCT
fsr-3265	257	53	p	p	ADJ
fsr-3265	257	54	-	-	PUNCT
fsr-3265	257	55	value	value	NOUN
fsr-3265	257	56	�	�	PROPN
fsr-3265	257	57	0.212	0.212	NUM
fsr-3265	257	58	)	)	PUNCT
fsr-3265	257	59	.	.	PUNCT
fsr-3265	258	1	the	the	DET
fsr-3265	258	2	results	result	NOUN
fsr-3265	258	3	indicate	indicate	VERB
fsr-3265	258	4	that	that	SCONJ
fsr-3265	258	5	a	a	DET
fsr-3265	258	6	reduction	reduction	NOUN
fsr-3265	258	7	of	of	ADP
fsr-3265	258	8	the	the	DET
fsr-3265	258	9	deviation	deviation	NOUN
fsr-3265	258	10	from	from	ADP
fsr-3265	258	11	the	the	DET
fsr-3265	258	12	ageappropriate	ageappropriate	ADJ
fsr-3265	258	13	stock	stock	NOUN
fsr-3265	258	14	allocation	allocation	NOUN
fsr-3265	258	15	by	by	ADP
fsr-3265	258	16	enhancing	enhance	VERB
fsr-3265	258	17	financial	financial	ADJ
fsr-3265	258	18	literacy	literacy	NOUN
fsr-3265	258	19	would	would	AUX
fsr-3265	258	20	be	be	AUX
fsr-3265	258	21	effective	effective	ADJ
fsr-3265	258	22	only	only	ADV
fsr-3265	258	23	among	among	ADP
fsr-3265	258	24	those	those	PRON
fsr-3265	258	25	who	who	PRON
fsr-3265	258	26	have	have	VERB
fsr-3265	258	27	a	a	DET
fsr-3265	258	28	high	high	ADJ
fsr-3265	258	29	level	level	NOUN
fsr-3265	258	30	of	of	ADP
fsr-3265	258	31	financial	financial	ADJ
fsr-3265	258	32	network	network	NOUN
fsr-3265	258	33	intensity	intensity	NOUN
fsr-3265	258	34	(	(	PUNCT
fsr-3265	258	35	i.e.	i.e.	X
fsr-3265	258	36	,	,	PUNCT
fsr-3265	258	37	strong	strong	ADJ
fsr-3265	258	38	relationships	relationship	NOUN
fsr-3265	258	39	with	with	ADP
fsr-3265	258	40	the	the	DET
fsr-3265	258	41	financially	financially	ADV
fsr-3265	258	42	literate	literate	ADJ
fsr-3265	258	43	)	)	PUNCT
fsr-3265	258	44	.	.	PUNCT
fsr-3265	259	1	5	5	X
fsr-3265	259	2	.	.	X
fsr-3265	259	3	conclusion	conclusion	NOUN
fsr-3265	259	4	this	this	DET
fsr-3265	259	5	article	article	NOUN
fsr-3265	259	6	examines	examine	VERB
fsr-3265	259	7	the	the	DET
fsr-3265	259	8	role	role	NOUN
fsr-3265	259	9	of	of	ADP
fsr-3265	259	10	financial	financial	ADJ
fsr-3265	259	11	literacy	literacy	NOUN
fsr-3265	259	12	and	and	CCONJ
fsr-3265	259	13	financial	financial	ADJ
fsr-3265	259	14	network	network	NOUN
fsr-3265	259	15	intensity	intensity	NOUN
fsr-3265	259	16	in	in	ADP
fsr-3265	259	17	retirement	retirement	NOUN
fsr-3265	259	18	investment	investment	NOUN
fsr-3265	259	19	decisions	decision	NOUN
fsr-3265	259	20	of	of	ADP
fsr-3265	259	21	generation	generation	NOUN
fsr-3265	259	22	yers	yer	NOUN
fsr-3265	259	23	.	.	PUNCT
fsr-3265	260	1	with	with	ADP
fsr-3265	260	2	a	a	DET
fsr-3265	260	3	complete	complete	ADJ
fsr-3265	260	4	sample	sample	NOUN
fsr-3265	260	5	of	of	ADP
fsr-3265	260	6	97	97	NUM
fsr-3265	260	7	senior	senior	ADJ
fsr-3265	260	8	business	business	NOUN
fsr-3265	260	9	college	college	NOUN
fsr-3265	260	10	students	student	NOUN
fsr-3265	260	11	,	,	PUNCT
fsr-3265	260	12	aged	age	VERB
fsr-3265	260	13	20–26	20–26	NUM
fsr-3265	260	14	in	in	ADP
fsr-3265	260	15	2012	2012	NUM
fsr-3265	260	16	,	,	PUNCT
fsr-3265	260	17	we	we	PRON
fsr-3265	260	18	find	find	VERB
fsr-3265	260	19	first	first	ADV
fsr-3265	260	20	that	that	SCONJ
fsr-3265	260	21	when	when	SCONJ
fsr-3265	260	22	a	a	DET
fsr-3265	260	23	money	money	NOUN
fsr-3265	260	24	market	market	NOUN
fsr-3265	260	25	fund	fund	NOUN
fsr-3265	260	26	is	be	AUX
fsr-3265	260	27	designated	designate	VERB
fsr-3265	260	28	as	as	ADP
fsr-3265	260	29	a	a	DET
fsr-3265	260	30	default	default	NOUN
fsr-3265	260	31	investment	investment	NOUN
fsr-3265	260	32	option	option	NOUN
fsr-3265	260	33	,	,	PUNCT
fsr-3265	260	34	respondents	respondent	NOUN
fsr-3265	260	35	who	who	PRON
fsr-3265	260	36	have	have	VERB
fsr-3265	260	37	high	high	ADJ
fsr-3265	260	38	financial	financial	ADJ
fsr-3265	260	39	literacy	literacy	NOUN
fsr-3265	260	40	are	be	AUX
fsr-3265	260	41	more	more	ADV
fsr-3265	260	42	likely	likely	ADJ
fsr-3265	260	43	to	to	PART
fsr-3265	260	44	select	select	VERB
fsr-3265	260	45	“	"	PUNCT
fsr-3265	260	46	no	no	DET
fsr-3265	260	47	default	default	NOUN
fsr-3265	260	48	,	,	PUNCT
fsr-3265	260	49	”	"	PUNCT
fsr-3265	260	50	but	but	CCONJ
fsr-3265	260	51	their	their	PRON
fsr-3265	260	52	financial	financial	ADJ
fsr-3265	260	53	networks	network	NOUN
fsr-3265	260	54	are	be	AUX
fsr-3265	260	55	not	not	PART
fsr-3265	260	56	significantly	significantly	ADV
fsr-3265	260	57	related	relate	VERB
fsr-3265	260	58	to	to	ADP
fsr-3265	260	59	their	their	PRON
fsr-3265	260	60	choice	choice	NOUN
fsr-3265	260	61	.	.	PUNCT
fsr-3265	261	1	second	second	ADJ
fsr-3265	261	2	,	,	PUNCT
fsr-3265	261	3	respondents	respondent	NOUN
fsr-3265	261	4	who	who	PRON
fsr-3265	261	5	have	have	VERB
fsr-3265	261	6	high	high	ADJ
fsr-3265	261	7	levels	level	NOUN
fsr-3265	261	8	of	of	ADP
fsr-3265	261	9	financial	financial	ADJ
fsr-3265	261	10	literacy	literacy	NOUN
fsr-3265	261	11	or	or	CCONJ
fsr-3265	261	12	financial	financial	ADJ
fsr-3265	261	13	network	network	NOUN
fsr-3265	261	14	intensity	intensity	NOUN
fsr-3265	261	15	are	be	AUX
fsr-3265	261	16	likely	likely	ADJ
fsr-3265	261	17	to	to	PART
fsr-3265	261	18	allocate	allocate	VERB
fsr-3265	261	19	more	more	ADJ
fsr-3265	261	20	contributions	contribution	NOUN
fsr-3265	261	21	to	to	ADP
fsr-3265	261	22	stock	stock	NOUN
fsr-3265	261	23	.	.	PUNCT
fsr-3265	262	1	third	third	ADJ
fsr-3265	262	2	,	,	PUNCT
fsr-3265	262	3	financial	financial	ADJ
fsr-3265	262	4	literacy	literacy	NOUN
fsr-3265	262	5	and	and	CCONJ
fsr-3265	262	6	financial	financial	ADJ
fsr-3265	262	7	network	network	NOUN
fsr-3265	262	8	intensity	intensity	NOUN
fsr-3265	262	9	significantly	significantly	ADV
fsr-3265	262	10	interact	interact	VERB
fsr-3265	262	11	on	on	ADP
fsr-3265	262	12	stock	stock	NOUN
fsr-3265	262	13	allocation	allocation	NOUN
fsr-3265	262	14	in	in	ADP
fsr-3265	262	15	a	a	DET
fsr-3265	262	16	retirement	retirement	NOUN
fsr-3265	262	17	portfolio	portfolio	NOUN
fsr-3265	262	18	.	.	PUNCT
fsr-3265	263	1	specifically	specifically	ADV
fsr-3265	263	2	,	,	PUNCT
fsr-3265	263	3	the	the	DET
fsr-3265	263	4	positive	positive	ADJ
fsr-3265	263	5	effect	effect	NOUN
fsr-3265	263	6	of	of	ADP
fsr-3265	263	7	financial	financial	ADJ
fsr-3265	263	8	literacy	literacy	NOUN
fsr-3265	263	9	on	on	ADP
fsr-3265	263	10	stock	stock	NOUN
fsr-3265	263	11	allocation	allocation	NOUN
fsr-3265	263	12	is	be	AUX
fsr-3265	263	13	significant	significant	ADJ
fsr-3265	263	14	in	in	ADP
fsr-3265	263	15	the	the	DET
fsr-3265	263	16	high	high	ADJ
fsr-3265	263	17	financial	financial	ADJ
fsr-3265	263	18	network	network	NOUN
fsr-3265	263	19	intensity	intensity	NOUN
fsr-3265	263	20	,	,	PUNCT
fsr-3265	263	21	but	but	CCONJ
fsr-3265	263	22	the	the	DET
fsr-3265	263	23	financial	financial	ADJ
fsr-3265	263	24	literacy	literacy	NOUN
fsr-3265	263	25	effect	effect	NOUN
fsr-3265	263	26	is	be	AUX
fsr-3265	263	27	not	not	PART
fsr-3265	263	28	significant	significant	ADJ
fsr-3265	263	29	in	in	ADP
fsr-3265	263	30	the	the	DET
fsr-3265	263	31	low	low	ADJ
fsr-3265	263	32	financial	financial	ADJ
fsr-3265	263	33	network	network	NOUN
fsr-3265	263	34	intensity	intensity	NOUN
fsr-3265	263	35	.	.	PUNCT
fsr-3265	264	1	last	last	ADJ
fsr-3265	264	2	,	,	PUNCT
fsr-3265	264	3	when	when	SCONJ
fsr-3265	264	4	respondents	respondent	NOUN
fsr-3265	264	5	construct	construct	VERB
fsr-3265	264	6	their	their	PRON
fsr-3265	264	7	retirement	retirement	NOUN
fsr-3265	264	8	portfolios	portfolio	NOUN
fsr-3265	264	9	,	,	PUNCT
fsr-3265	264	10	stock	stock	NOUN
fsr-3265	264	11	allocations	allocation	NOUN
fsr-3265	264	12	are	be	AUX
fsr-3265	264	13	largely	largely	ADV
fsr-3265	264	14	deviated	deviate	VERB
fsr-3265	264	15	from	from	ADP
fsr-3265	264	16	the	the	DET
fsr-3265	264	17	age	age	NOUN
fsr-3265	264	18	-	-	PUNCT
fsr-3265	264	19	appropriate	appropriate	ADJ
fsr-3265	264	20	stock	stock	NOUN
fsr-3265	264	21	allocations	allocation	NOUN
fsr-3265	264	22	given	give	VERB
fsr-3265	264	23	their	their	PRON
fsr-3265	264	24	age	age	NOUN
fsr-3265	264	25	and	and	CCONJ
fsr-3265	264	26	risk	risk	NOUN
fsr-3265	264	27	tolerance	tolerance	NOUN
fsr-3265	264	28	level	level	NOUN
fsr-3265	264	29	.	.	PUNCT
fsr-3265	265	1	the	the	DET
fsr-3265	265	2	deviations	deviation	NOUN
fsr-3265	265	3	,	,	PUNCT
fsr-3265	265	4	however	however	ADV
fsr-3265	265	5	,	,	PUNCT
fsr-3265	265	6	are	be	AUX
fsr-3265	265	7	significantly	significantly	ADV
fsr-3265	265	8	reduced	reduce	VERB
fsr-3265	265	9	92	92	NUM
fsr-3265	265	10	y.	y.	PROPN
fsr-3265	265	11	chung	chung	PROPN
fsr-3265	265	12	,	,	PUNCT
fsr-3265	265	13	y.	y.	PROPN
fsr-3265	265	14	park	park	PROPN
fsr-3265	265	15	/	/	SYM
fsr-3265	265	16	financial	financial	ADJ
fsr-3265	265	17	services	service	NOUN
fsr-3265	265	18	review	review	VERB
fsr-3265	265	19	24	24	NUM
fsr-3265	265	20	(	(	PUNCT
fsr-3265	265	21	2015	2015	NUM
fsr-3265	265	22	)	)	PUNCT
fsr-3265	265	23	77–99	77–99	NUM
fsr-3265	265	24	when	when	SCONJ
fsr-3265	265	25	financially	financially	ADV
fsr-3265	265	26	knowledgeable	knowledgeable	ADJ
fsr-3265	265	27	respondents	respondent	NOUN
fsr-3265	265	28	have	have	VERB
fsr-3265	265	29	strong	strong	ADJ
fsr-3265	265	30	relationships	relationship	NOUN
fsr-3265	265	31	with	with	ADP
fsr-3265	265	32	the	the	DET
fsr-3265	265	33	financially	financially	ADV
fsr-3265	265	34	literate	literate	ADJ
fsr-3265	265	35	.	.	PUNCT
fsr-3265	266	1	our	our	PRON
fsr-3265	266	2	findings	finding	NOUN
fsr-3265	266	3	contribute	contribute	VERB
fsr-3265	266	4	to	to	ADP
fsr-3265	266	5	an	an	DET
fsr-3265	266	6	understanding	understanding	NOUN
fsr-3265	266	7	of	of	ADP
fsr-3265	266	8	how	how	SCONJ
fsr-3265	266	9	financial	financial	ADJ
fsr-3265	266	10	literacy	literacy	NOUN
fsr-3265	266	11	and	and	CCONJ
fsr-3265	266	12	financial	financial	ADJ
fsr-3265	266	13	networks	network	NOUN
fsr-3265	266	14	are	be	AUX
fsr-3265	266	15	jointly	jointly	ADV
fsr-3265	266	16	associated	associate	VERB
fsr-3265	266	17	with	with	ADP
fsr-3265	266	18	individual	individual	ADJ
fsr-3265	266	19	investors	investor	NOUN
fsr-3265	266	20	’	’	PART
fsr-3265	266	21	decision	decision	NOUN
fsr-3265	266	22	-	-	PUNCT
fsr-3265	266	23	making	making	NOUN
fsr-3265	266	24	.	.	PUNCT
fsr-3265	267	1	although	although	SCONJ
fsr-3265	267	2	most	most	ADJ
fsr-3265	267	3	previous	previous	ADJ
fsr-3265	267	4	studies	study	NOUN
fsr-3265	267	5	argue	argue	VERB
fsr-3265	267	6	that	that	SCONJ
fsr-3265	267	7	financial	financial	ADJ
fsr-3265	267	8	literacy	literacy	NOUN
fsr-3265	267	9	is	be	AUX
fsr-3265	267	10	a	a	DET
fsr-3265	267	11	key	key	ADJ
fsr-3265	267	12	determinant	determinant	NOUN
fsr-3265	267	13	of	of	ADP
fsr-3265	267	14	individual	individual	ADJ
fsr-3265	267	15	investors	investor	NOUN
fsr-3265	267	16	’	’	PART
fsr-3265	267	17	decision	decision	NOUN
fsr-3265	267	18	-	-	PUNCT
fsr-3265	267	19	making	making	NOUN
fsr-3265	267	20	,	,	PUNCT
fsr-3265	267	21	our	our	PRON
fsr-3265	267	22	study	study	NOUN
fsr-3265	267	23	shows	show	VERB
fsr-3265	267	24	that	that	SCONJ
fsr-3265	267	25	both	both	PRON
fsr-3265	267	26	financial	financial	ADJ
fsr-3265	267	27	literacy	literacy	NOUN
fsr-3265	267	28	and	and	CCONJ
fsr-3265	267	29	financial	financial	ADJ
fsr-3265	267	30	network	network	NOUN
fsr-3265	267	31	intensity	intensity	NOUN
fsr-3265	267	32	table	table	NOUN
fsr-3265	267	33	5	5	NUM
fsr-3265	267	34	contribution	contribution	NOUN
fsr-3265	267	35	allocation	allocation	NOUN
fsr-3265	267	36	to	to	ADP
fsr-3265	267	37	stock	stock	NOUN
fsr-3265	267	38	funds	fund	NOUN
fsr-3265	267	39	:	:	PUNCT
fsr-3265	267	40	deviation	deviation	NOUN
fsr-3265	267	41	from	from	ADP
fsr-3265	267	42	age	age	NOUN
fsr-3265	267	43	-	-	PUNCT
fsr-3265	267	44	appropriate	appropriate	ADJ
fsr-3265	267	45	allocations	allocation	NOUN
fsr-3265	267	46	panel	panel	NOUN
fsr-3265	267	47	a	a	DET
fsr-3265	267	48	:	:	PUNCT
fsr-3265	267	49	descriptive	descriptive	ADJ
fsr-3265	267	50	statistics	statistic	NOUN
fsr-3265	267	51	obs	obs	PROPN
fsr-3265	267	52	.	.	PUNCT
fsr-3265	268	1	min	min	PROPN
fsr-3265	268	2	max	max	PROPN
fsr-3265	268	3	median	median	PROPN
fsr-3265	268	4	mean	mean	VERB
fsr-3265	268	5	sd	sd	ADP
fsr-3265	268	6	deviation	deviation	NOUN
fsr-3265	268	7	from	from	ADP
fsr-3265	268	8	age	age	NOUN
fsr-3265	268	9	-	-	PUNCT
fsr-3265	268	10	appropriate	appropriate	ADJ
fsr-3265	268	11	stock	stock	NOUN
fsr-3265	268	12	allocations	allocation	NOUN
fsr-3265	268	13	64	64	NUM
fsr-3265	268	14	0.072	0.072	NUM
fsr-3265	268	15	0.809	0.809	NUM
fsr-3265	268	16	0.383	0.383	NUM
fsr-3265	268	17	0.358	0.358	NUM
fsr-3265	268	18	0.174	0.174	NUM
fsr-3265	268	19	panel	panel	NOUN
fsr-3265	268	20	b	b	NOUN
fsr-3265	268	21	:	:	PUNCT
fsr-3265	268	22	regression	regression	NOUN
fsr-3265	268	23	results	result	VERB
fsr-3265	268	24	dependent	dependent	ADJ
fsr-3265	268	25	variables	variable	NOUN
fsr-3265	268	26	(	(	PUNCT
fsr-3265	268	27	1	1	NUM
fsr-3265	268	28	-	-	PUNCT
fsr-3265	268	29	a	a	NOUN
fsr-3265	268	30	)	)	PUNCT
fsr-3265	268	31	(	(	PUNCT
fsr-3265	268	32	1	1	NUM
fsr-3265	268	33	-	-	PUNCT
fsr-3265	268	34	b	b	NOUN
fsr-3265	268	35	)	)	PUNCT
fsr-3265	268	36	selection	selection	NOUN
fsr-3265	268	37	of	of	ADP
fsr-3265	268	38	no	no	DET
fsr-3265	268	39	default	default	NOUN
fsr-3265	268	40	(	(	PUNCT
fsr-3265	268	41	first	first	ADJ
fsr-3265	268	42	stage	stage	NOUN
fsr-3265	268	43	)	)	PUNCT
fsr-3265	268	44	deviation	deviation	NOUN
fsr-3265	268	45	of	of	ADP
fsr-3265	268	46	stock	stock	NOUN
fsr-3265	268	47	allocation	allocation	NOUN
fsr-3265	268	48	(	(	PUNCT
fsr-3265	268	49	second	second	ADJ
fsr-3265	268	50	stage	stage	NOUN
fsr-3265	268	51	)	)	PUNCT
fsr-3265	268	52	financial	financial	ADJ
fsr-3265	268	53	literacy	literacy	NOUN
fsr-3265	268	54	(	(	PUNCT
fsr-3265	268	55	score	score	NOUN
fsr-3265	268	56	)	)	PUNCT
fsr-3265	268	57	0.768	0.768	NUM
fsr-3265	268	58	*	*	PUNCT
fsr-3265	268	59	*	*	PUNCT
fsr-3265	268	60	�	�	PROPN
fsr-3265	268	61	0.106	0.106	NUM
fsr-3265	268	62	*	*	PUNCT
fsr-3265	268	63	*	*	PUNCT
fsr-3265	268	64	(	(	PUNCT
fsr-3265	268	65	0.235	0.235	NUM
fsr-3265	268	66	)	)	PUNCT
fsr-3265	268	67	(	(	PUNCT
fsr-3265	268	68	0.032	0.032	NUM
fsr-3265	268	69	)	)	PUNCT
fsr-3265	268	70	financial	financial	ADJ
fsr-3265	268	71	network	network	NOUN
fsr-3265	268	72	size	size	NOUN
fsr-3265	268	73	0.109	0.109	NUM
fsr-3265	268	74	�	�	PROPN
fsr-3265	268	75	0.001	0.001	NUM
fsr-3265	268	76	(	(	PUNCT
fsr-3265	268	77	0.070	0.070	NUM
fsr-3265	268	78	)	)	PUNCT
fsr-3265	268	79	(	(	PUNCT
fsr-3265	268	80	0.008	0.008	NUM
fsr-3265	268	81	)	)	PUNCT
fsr-3265	268	82	financial	financial	ADJ
fsr-3265	268	83	network	network	NOUN
fsr-3265	268	84	intensity	intensity	NOUN
fsr-3265	268	85	0.650	0.650	NUM
fsr-3265	268	86	�	�	PROPN
fsr-3265	268	87	0.169	0.169	NUM
fsr-3265	268	88	*	*	SYM
fsr-3265	268	89	(	(	PUNCT
fsr-3265	268	90	0.744	0.744	NUM
fsr-3265	268	91	)	)	PUNCT
fsr-3265	268	92	(	(	PUNCT
fsr-3265	268	93	0.080	0.080	NUM
fsr-3265	268	94	)	)	PUNCT
fsr-3265	268	95	(	(	PUNCT
fsr-3265	268	96	financial	financial	ADJ
fsr-3265	268	97	literacy	literacy	NOUN
fsr-3265	268	98	)	)	PUNCT
fsr-3265	268	99	�	�	PROPN
fsr-3265	268	100	(	(	PUNCT
fsr-3265	268	101	financial	financial	ADJ
fsr-3265	268	102	network	network	NOUN
fsr-3265	268	103	intensity	intensity	NOUN
fsr-3265	268	104	)	)	PUNCT
fsr-3265	268	105	�	�	PROPN
fsr-3265	268	106	0.734	0.734	NUM
fsr-3265	268	107	�	�	NOUN
fsr-3265	268	108	0.223	0.223	NUM
fsr-3265	268	109	*	*	PUNCT
fsr-3265	268	110	(	(	PUNCT
fsr-3265	268	111	0.699	0.699	NUM
fsr-3265	268	112	)	)	PUNCT
fsr-3265	268	113	(	(	PUNCT
fsr-3265	268	114	0.097	0.097	NUM
fsr-3265	268	115	)	)	PUNCT
fsr-3265	268	116	risk	risk	NOUN
fsr-3265	268	117	tolerance	tolerance	NOUN
fsr-3265	268	118	(	(	PUNCT
fsr-3265	268	119	score	score	NOUN
fsr-3265	268	120	)	)	PUNCT
fsr-3265	268	121	�	�	PROPN
fsr-3265	268	122	0.034	0.034	NUM
fsr-3265	268	123	�	�	PROPN
fsr-3265	268	124	0.009	0.009	NUM
fsr-3265	268	125	(	(	PUNCT
fsr-3265	268	126	0.042	0.042	NUM
fsr-3265	268	127	)	)	PUNCT
fsr-3265	268	128	(	(	PUNCT
fsr-3265	268	129	0.005	0.005	NUM
fsr-3265	268	130	)	)	PUNCT
fsr-3265	268	131	investment	investment	NOUN
fsr-3265	268	132	experience	experience	NOUN
fsr-3265	268	133	(	(	PUNCT
fsr-3265	268	134	yes	yes	INTJ
fsr-3265	268	135	�	�	PROPN
fsr-3265	268	136	1	1	NUM
fsr-3265	268	137	)	)	PUNCT
fsr-3265	268	138	0.962	0.962	NUM
fsr-3265	268	139	*	*	SYM
fsr-3265	268	140	�	�	PROPN
fsr-3265	268	141	0.077	0.077	NUM
fsr-3265	268	142	(	(	PUNCT
fsr-3265	268	143	0.387	0.387	NUM
fsr-3265	268	144	)	)	PUNCT
fsr-3265	268	145	(	(	PUNCT
fsr-3265	268	146	0.042	0.042	NUM
fsr-3265	268	147	)	)	PUNCT
fsr-3265	268	148	gender	gender	NOUN
fsr-3265	268	149	(	(	PUNCT
fsr-3265	268	150	female	female	ADJ
fsr-3265	268	151	�	�	PROPN
fsr-3265	268	152	1	1	NUM
fsr-3265	268	153	)	)	PUNCT
fsr-3265	268	154	�	�	PROPN
fsr-3265	268	155	0.027	0.027	NUM
fsr-3265	268	156	�	�	PROPN
fsr-3265	268	157	0.037	0.037	NUM
fsr-3265	268	158	(	(	PUNCT
fsr-3265	268	159	0.350	0.350	NUM
fsr-3265	268	160	)	)	PUNCT
fsr-3265	268	161	(	(	PUNCT
fsr-3265	268	162	0.036	0.036	NUM
fsr-3265	268	163	)	)	PUNCT
fsr-3265	268	164	ethnicity	ethnicity	NOUN
fsr-3265	268	165	(	(	PUNCT
fsr-3265	268	166	white	white	ADJ
fsr-3265	268	167	�	�	PROPN
fsr-3265	268	168	1	1	NUM
fsr-3265	268	169	)	)	PUNCT
fsr-3265	268	170	0.110	0.110	NUM
fsr-3265	268	171	�	�	PROPN
fsr-3265	268	172	0.103	0.103	NUM
fsr-3265	268	173	(	(	PUNCT
fsr-3265	268	174	0.470	0.470	NUM
fsr-3265	268	175	)	)	PUNCT
fsr-3265	268	176	(	(	PUNCT
fsr-3265	268	177	0.054	0.054	NUM
fsr-3265	268	178	)	)	PUNCT
fsr-3265	268	179	current	current	ADJ
fsr-3265	268	180	mood	mood	NOUN
fsr-3265	268	181	state	state	NOUN
fsr-3265	268	182	:	:	PUNCT
fsr-3265	268	183	positive	positive	ADJ
fsr-3265	268	184	(	(	PUNCT
fsr-3265	268	185	score	score	NOUN
fsr-3265	268	186	)	)	PUNCT
fsr-3265	268	187	0.007	0.007	NUM
fsr-3265	268	188	�	�	PROPN
fsr-3265	268	189	0.013	0.013	NUM
fsr-3265	268	190	*	*	NOUN
fsr-3265	268	191	*	*	PUNCT
fsr-3265	268	192	(	(	PUNCT
fsr-3265	268	193	0.032	0.032	NUM
fsr-3265	268	194	)	)	PUNCT
fsr-3265	268	195	(	(	PUNCT
fsr-3265	268	196	0.004	0.004	NUM
fsr-3265	268	197	)	)	PUNCT
fsr-3265	268	198	negative	negative	ADJ
fsr-3265	268	199	(	(	PUNCT
fsr-3265	268	200	score	score	NOUN
fsr-3265	268	201	)	)	PUNCT
fsr-3265	268	202	�	�	PROPN
fsr-3265	268	203	0.079	0.079	NUM
fsr-3265	268	204	*	*	SYM
fsr-3265	268	205	�	�	PROPN
fsr-3265	268	206	0.001	0.001	NUM
fsr-3265	268	207	(	(	PUNCT
fsr-3265	268	208	0.037	0.037	NUM
fsr-3265	268	209	)	)	PUNCT
fsr-3265	268	210	(	(	PUNCT
fsr-3265	268	211	0.005	0.005	NUM
fsr-3265	268	212	)	)	PUNCT
fsr-3265	268	213	gpa	gpa	PROPN
fsr-3265	268	214	1.040	1.040	NUM
fsr-3265	268	215	*	*	SYM
fsr-3265	268	216	(	(	PUNCT
fsr-3265	268	217	0.412	0.412	NUM
fsr-3265	268	218	)	)	PUNCT
fsr-3265	268	219	constant	constant	ADJ
fsr-3265	268	220	�	�	PROPN
fsr-3265	268	221	1.511	1.511	NUM
fsr-3265	268	222	1.345	1.345	NUM
fsr-3265	268	223	*	*	NOUN
fsr-3265	268	224	*	*	PUNCT
fsr-3265	268	225	(	(	PUNCT
fsr-3265	268	226	1.990	1.990	NUM
fsr-3265	268	227	)	)	PUNCT
fsr-3265	268	228	(	(	PUNCT
fsr-3265	268	229	0.209	0.209	NUM
fsr-3265	268	230	)	)	PUNCT
fsr-3265	268	231	�	�	PROPN
fsr-3265	268	232	:	:	PUNCT
fsr-3265	268	233	mill	mill	NOUN
fsr-3265	268	234	’s	’s	PART
fsr-3265	268	235	ratio	ratio	NOUN
fsr-3265	268	236	�	�	PROPN
fsr-3265	268	237	0.135	0.135	NUM
fsr-3265	268	238	[	[	X
fsr-3265	268	239	p	p	NOUN
fsr-3265	268	240	-	-	PUNCT
fsr-3265	268	241	value	value	NOUN
fsr-3265	268	242	]	]	PUNCT
fsr-3265	269	1	[	[	X
fsr-3265	269	2	0.051	0.051	NUM
fsr-3265	269	3	]	]	PUNCT
fsr-3265	269	4	observations	observation	NOUN
fsr-3265	269	5	97	97	NUM
fsr-3265	269	6	64	64	NUM
fsr-3265	269	7	pseudo	pseudo	NOUN
fsr-3265	269	8	r2	r2	NOUN
fsr-3265	269	9	0.313	0.313	NUM
fsr-3265	269	10	adjusted	adjust	VERB
fsr-3265	269	11	r2	r2	NOUN
fsr-3265	269	12	0.513	0.513	NUM
fsr-3265	269	13	notes	note	NOUN
fsr-3265	269	14	:	:	PUNCT
fsr-3265	269	15	the	the	DET
fsr-3265	269	16	variables	variable	NOUN
fsr-3265	269	17	of	of	ADP
fsr-3265	269	18	financial	financial	ADJ
fsr-3265	269	19	literacy	literacy	NOUN
fsr-3265	269	20	and	and	CCONJ
fsr-3265	269	21	network	network	NOUN
fsr-3265	269	22	intensity	intensity	NOUN
fsr-3265	269	23	are	be	AUX
fsr-3265	269	24	centered	center	VERB
fsr-3265	269	25	with	with	ADP
fsr-3265	269	26	respect	respect	NOUN
fsr-3265	269	27	to	to	ADP
fsr-3265	269	28	the	the	DET
fsr-3265	269	29	mean	mean	NOUN
fsr-3265	269	30	.	.	PUNCT
fsr-3265	270	1	this	this	DET
fsr-3265	270	2	centering	centering	NOUN
fsr-3265	270	3	,	,	PUNCT
fsr-3265	270	4	however	however	ADV
fsr-3265	270	5	,	,	PUNCT
fsr-3265	270	6	does	do	AUX
fsr-3265	270	7	not	not	PART
fsr-3265	270	8	affect	affect	VERB
fsr-3265	270	9	the	the	DET
fsr-3265	270	10	coefficients	coefficient	NOUN
fsr-3265	270	11	and	and	CCONJ
fsr-3265	270	12	their	their	PRON
fsr-3265	270	13	significance	significance	NOUN
fsr-3265	270	14	.	.	PUNCT
fsr-3265	271	1	standard	standard	ADJ
fsr-3265	271	2	errors	error	NOUN
fsr-3265	271	3	are	be	AUX
fsr-3265	271	4	in	in	ADP
fsr-3265	271	5	parentheses	parenthesis	NOUN
fsr-3265	271	6	.	.	PUNCT
fsr-3265	272	1	*	*	PUNCT
fsr-3265	272	2	*	*	PUNCT
fsr-3265	272	3	p	p	X
fsr-3265	272	4	�	�	PROPN
fsr-3265	272	5	0.01	0.01	NUM
fsr-3265	272	6	;	;	PUNCT
fsr-3265	272	7	*	*	PUNCT
fsr-3265	272	8	p	p	X
fsr-3265	272	9	�	�	PROPN
fsr-3265	272	10	0.05	0.05	NUM
fsr-3265	272	11	.	.	PUNCT
fsr-3265	272	12	93y	93y	NUM
fsr-3265	272	13	.	.	PUNCT
fsr-3265	273	1	chung	chung	PROPN
fsr-3265	273	2	,	,	PUNCT
fsr-3265	273	3	y.	y.	PROPN
fsr-3265	273	4	park	park	PROPN
fsr-3265	273	5	/	/	SYM
fsr-3265	273	6	financial	financial	ADJ
fsr-3265	273	7	services	service	NOUN
fsr-3265	273	8	review	review	VERB
fsr-3265	273	9	24	24	NUM
fsr-3265	273	10	(	(	PUNCT
fsr-3265	273	11	2015	2015	NUM
fsr-3265	273	12	)	)	PUNCT
fsr-3265	274	1	77–99	77–99	NOUN
fsr-3265	274	2	are	be	AUX
fsr-3265	274	3	critical	critical	ADJ
fsr-3265	274	4	factors	factor	NOUN
fsr-3265	274	5	influencing	influence	VERB
fsr-3265	274	6	individuals	individual	NOUN
fsr-3265	274	7	’	'	PUNCT
fsr-3265	274	8	investment	investment	NOUN
fsr-3265	274	9	decision	decision	NOUN
fsr-3265	274	10	-	-	PUNCT
fsr-3265	274	11	making	making	NOUN
fsr-3265	274	12	.	.	PUNCT
fsr-3265	275	1	in	in	ADP
fsr-3265	275	2	particular	particular	ADJ
fsr-3265	275	3	,	,	PUNCT
fsr-3265	275	4	the	the	DET
fsr-3265	275	5	significant	significant	ADJ
fsr-3265	275	6	interaction	interaction	NOUN
fsr-3265	275	7	between	between	ADP
fsr-3265	275	8	financial	financial	ADJ
fsr-3265	275	9	literacy	literacy	NOUN
fsr-3265	275	10	and	and	CCONJ
fsr-3265	275	11	financial	financial	ADJ
fsr-3265	275	12	network	network	NOUN
fsr-3265	275	13	intensity	intensity	NOUN
fsr-3265	275	14	suggests	suggest	VERB
fsr-3265	275	15	that	that	SCONJ
fsr-3265	275	16	financial	financial	ADJ
fsr-3265	275	17	literacy	literacy	NOUN
fsr-3265	275	18	and	and	CCONJ
fsr-3265	275	19	financial	financial	ADJ
fsr-3265	275	20	networks	network	NOUN
fsr-3265	275	21	are	be	AUX
fsr-3265	275	22	complementary	complementary	ADJ
fsr-3265	275	23	to	to	ADP
fsr-3265	275	24	each	each	DET
fsr-3265	275	25	other	other	ADJ
fsr-3265	275	26	.	.	PUNCT
fsr-3265	276	1	this	this	DET
fsr-3265	276	2	finding	finding	NOUN
fsr-3265	276	3	implies	imply	VERB
fsr-3265	276	4	that	that	SCONJ
fsr-3265	276	5	an	an	DET
fsr-3265	276	6	individual	individual	NOUN
fsr-3265	276	7	’s	’s	PART
fsr-3265	276	8	retirement	retirement	NOUN
fsr-3265	276	9	investment	investment	NOUN
fsr-3265	276	10	decisions	decision	NOUN
fsr-3265	276	11	can	can	AUX
fsr-3265	276	12	be	be	AUX
fsr-3265	276	13	significantly	significantly	ADV
fsr-3265	276	14	enhanced	enhance	VERB
fsr-3265	276	15	when	when	SCONJ
fsr-3265	276	16	his	his	PRON
fsr-3265	276	17	or	or	CCONJ
fsr-3265	276	18	her	her	PRON
fsr-3265	276	19	financial	financial	ADJ
fsr-3265	276	20	knowledge	knowledge	NOUN
fsr-3265	276	21	is	be	AUX
fsr-3265	276	22	synthesized	synthesize	VERB
fsr-3265	276	23	with	with	ADP
fsr-3265	276	24	the	the	DET
fsr-3265	276	25	knowledge	knowledge	NOUN
fsr-3265	276	26	acquired	acquire	VERB
fsr-3265	276	27	through	through	ADP
fsr-3265	276	28	social	social	ADJ
fsr-3265	276	29	networks	network	NOUN
fsr-3265	276	30	with	with	ADP
fsr-3265	276	31	the	the	DET
fsr-3265	276	32	financially	financially	ADV
fsr-3265	276	33	literate	literate	ADJ
fsr-3265	276	34	.	.	PUNCT
fsr-3265	277	1	this	this	DET
fsr-3265	277	2	result	result	NOUN
fsr-3265	277	3	also	also	ADV
fsr-3265	277	4	provides	provide	VERB
fsr-3265	277	5	an	an	DET
fsr-3265	277	6	insight	insight	NOUN
fsr-3265	277	7	into	into	ADP
fsr-3265	277	8	employer	employer	NOUN
fsr-3265	277	9	-	-	PUNCT
fsr-3265	277	10	sponsored	sponsor	VERB
fsr-3265	277	11	financial	financial	ADJ
fsr-3265	277	12	education	education	NOUN
fsr-3265	277	13	.	.	PUNCT
fsr-3265	278	1	for	for	ADP
fsr-3265	278	2	retirement	retirement	NOUN
fsr-3265	278	3	investments	investment	NOUN
fsr-3265	278	4	,	,	PUNCT
fsr-3265	278	5	individual	individual	ADJ
fsr-3265	278	6	investors	investor	NOUN
fsr-3265	278	7	may	may	AUX
fsr-3265	278	8	not	not	PART
fsr-3265	278	9	always	always	ADV
fsr-3265	278	10	use	use	VERB
fsr-3265	278	11	the	the	DET
fsr-3265	278	12	information	information	NOUN
fsr-3265	278	13	provided	provide	VERB
fsr-3265	278	14	by	by	ADP
fsr-3265	278	15	employers	employer	NOUN
fsr-3265	278	16	,	,	PUNCT
fsr-3265	278	17	but	but	CCONJ
fsr-3265	278	18	rather	rather	ADV
fsr-3265	278	19	rely	rely	VERB
fsr-3265	278	20	on	on	ADP
fsr-3265	278	21	their	their	PRON
fsr-3265	278	22	social	social	ADJ
fsr-3265	278	23	networks	network	NOUN
fsr-3265	278	24	(	(	PUNCT
fsr-3265	278	25	e.g.	e.g.	ADV
fsr-3265	278	26	,	,	PUNCT
fsr-3265	278	27	duflo	duflo	PROPN
fsr-3265	278	28	&	&	CCONJ
fsr-3265	278	29	saez	saez	PROPN
fsr-3265	278	30	,	,	PUNCT
fsr-3265	278	31	2002	2002	NUM
fsr-3265	278	32	,	,	PUNCT
fsr-3265	278	33	2003	2003	NUM
fsr-3265	278	34	)	)	PUNCT
fsr-3265	278	35	.	.	PUNCT
fsr-3265	279	1	thus	thus	ADV
fsr-3265	279	2	,	,	PUNCT
fsr-3265	279	3	for	for	ADP
fsr-3265	279	4	those	those	PRON
fsr-3265	279	5	who	who	PRON
fsr-3265	279	6	are	be	AUX
fsr-3265	279	7	likely	likely	ADJ
fsr-3265	279	8	to	to	PART
fsr-3265	279	9	lack	lack	VERB
fsr-3265	279	10	social	social	ADJ
fsr-3265	279	11	networks	network	NOUN
fsr-3265	279	12	with	with	ADP
fsr-3265	279	13	the	the	DET
fsr-3265	279	14	financially	financially	ADV
fsr-3265	279	15	literate	literate	ADJ
fsr-3265	279	16	,	,	PUNCT
fsr-3265	279	17	employers	employer	NOUN
fsr-3265	279	18	need	need	VERB
fsr-3265	279	19	to	to	PART
fsr-3265	279	20	provide	provide	VERB
fsr-3265	279	21	more	more	ADJ
fsr-3265	279	22	opportunities	opportunity	NOUN
fsr-3265	279	23	to	to	PART
fsr-3265	279	24	build	build	VERB
fsr-3265	279	25	networks	network	NOUN
fsr-3265	279	26	for	for	ADP
fsr-3265	279	27	financial	financial	ADJ
fsr-3265	279	28	advice	advice	NOUN
fsr-3265	279	29	with	with	ADP
fsr-3265	279	30	financial	financial	ADJ
fsr-3265	279	31	planners	planner	NOUN
fsr-3265	279	32	or	or	CCONJ
fsr-3265	279	33	advisors	advisor	NOUN
fsr-3265	279	34	because	because	SCONJ
fsr-3265	279	35	financial	financial	ADJ
fsr-3265	279	36	planners	planner	NOUN
fsr-3265	279	37	or	or	CCONJ
fsr-3265	279	38	advisors	advisor	NOUN
fsr-3265	279	39	may	may	AUX
fsr-3265	279	40	be	be	AUX
fsr-3265	279	41	able	able	ADJ
fsr-3265	279	42	to	to	PART
fsr-3265	279	43	be	be	AUX
fsr-3265	279	44	substituted	substitute	VERB
fsr-3265	279	45	for	for	ADP
fsr-3265	279	46	their	their	PRON
fsr-3265	279	47	financial	financial	ADJ
fsr-3265	279	48	networks	network	NOUN
fsr-3265	279	49	.	.	PUNCT
fsr-3265	280	1	although	although	SCONJ
fsr-3265	280	2	this	this	DET
fsr-3265	280	3	study	study	NOUN
fsr-3265	280	4	contributes	contribute	VERB
fsr-3265	280	5	to	to	ADP
fsr-3265	280	6	the	the	DET
fsr-3265	280	7	literature	literature	NOUN
fsr-3265	280	8	that	that	PRON
fsr-3265	280	9	pertains	pertain	VERB
fsr-3265	280	10	to	to	ADP
fsr-3265	280	11	financial	financial	ADJ
fsr-3265	280	12	literacy	literacy	NOUN
fsr-3265	280	13	,	,	PUNCT
fsr-3265	280	14	social	social	ADJ
fsr-3265	280	15	interactions	interaction	NOUN
fsr-3265	280	16	,	,	PUNCT
fsr-3265	280	17	and	and	CCONJ
fsr-3265	280	18	investment	investment	NOUN
fsr-3265	280	19	behavior	behavior	NOUN
fsr-3265	280	20	in	in	ADP
fsr-3265	280	21	retirement	retirement	NOUN
fsr-3265	280	22	plans	plan	NOUN
fsr-3265	280	23	,	,	PUNCT
fsr-3265	280	24	it	it	PRON
fsr-3265	280	25	has	have	VERB
fsr-3265	280	26	several	several	ADJ
fsr-3265	280	27	limitations	limitation	NOUN
fsr-3265	280	28	.	.	PUNCT
fsr-3265	281	1	first	first	ADV
fsr-3265	281	2	,	,	PUNCT
fsr-3265	281	3	this	this	DET
fsr-3265	281	4	study	study	NOUN
fsr-3265	281	5	does	do	AUX
fsr-3265	281	6	not	not	PART
fsr-3265	281	7	use	use	VERB
fsr-3265	281	8	actual	actual	ADJ
fsr-3265	281	9	contribution	contribution	NOUN
fsr-3265	281	10	allocations	allocation	NOUN
fsr-3265	281	11	of	of	ADP
fsr-3265	281	12	defined	define	VERB
fsr-3265	281	13	contribution	contribution	NOUN
fsr-3265	281	14	plan	plan	NOUN
fsr-3265	281	15	participants	participant	NOUN
fsr-3265	281	16	.	.	PUNCT
fsr-3265	282	1	thus	thus	ADV
fsr-3265	282	2	,	,	PUNCT
fsr-3265	282	3	the	the	DET
fsr-3265	282	4	results	result	NOUN
fsr-3265	282	5	from	from	ADP
fsr-3265	282	6	our	our	PRON
fsr-3265	282	7	sample	sample	NOUN
fsr-3265	282	8	may	may	AUX
fsr-3265	282	9	not	not	PART
fsr-3265	282	10	represent	represent	VERB
fsr-3265	282	11	actual	actual	ADJ
fsr-3265	282	12	investing	investing	NOUN
fsr-3265	282	13	behavior	behavior	NOUN
fsr-3265	282	14	of	of	ADP
fsr-3265	282	15	defined	define	VERB
fsr-3265	282	16	contribution	contribution	NOUN
fsr-3265	282	17	plan	plan	NOUN
fsr-3265	282	18	participants	participant	NOUN
fsr-3265	282	19	.	.	PUNCT
fsr-3265	283	1	second	second	ADJ
fsr-3265	283	2	,	,	PUNCT
fsr-3265	283	3	because	because	SCONJ
fsr-3265	283	4	of	of	ADP
fsr-3265	283	5	the	the	DET
fsr-3265	283	6	small	small	ADJ
fsr-3265	283	7	sample	sample	NOUN
fsr-3265	283	8	size	size	NOUN
fsr-3265	283	9	,	,	PUNCT
fsr-3265	283	10	the	the	DET
fsr-3265	283	11	results	result	NOUN
fsr-3265	283	12	in	in	ADP
fsr-3265	283	13	the	the	DET
fsr-3265	283	14	study	study	NOUN
fsr-3265	283	15	may	may	AUX
fsr-3265	283	16	not	not	PART
fsr-3265	283	17	represent	represent	VERB
fsr-3265	283	18	the	the	DET
fsr-3265	283	19	investing	investing	NOUN
fsr-3265	283	20	behavior	behavior	NOUN
fsr-3265	283	21	of	of	ADP
fsr-3265	283	22	generation	generation	NOUN
fsr-3265	283	23	yers	yer	NOUN
fsr-3265	283	24	as	as	ADP
fsr-3265	283	25	a	a	DET
fsr-3265	283	26	whole	whole	NOUN
fsr-3265	283	27	.	.	PUNCT
fsr-3265	284	1	third	third	ADJ
fsr-3265	284	2	,	,	PUNCT
fsr-3265	284	3	because	because	SCONJ
fsr-3265	284	4	the	the	DET
fsr-3265	284	5	sample	sample	NOUN
fsr-3265	284	6	consists	consist	VERB
fsr-3265	284	7	of	of	ADP
fsr-3265	284	8	college	college	NOUN
fsr-3265	284	9	students	student	NOUN
fsr-3265	284	10	who	who	PRON
fsr-3265	284	11	tend	tend	VERB
fsr-3265	284	12	to	to	PART
fsr-3265	284	13	have	have	VERB
fsr-3265	284	14	a	a	DET
fsr-3265	284	15	higher	high	ADJ
fsr-3265	284	16	level	level	NOUN
fsr-3265	284	17	of	of	ADP
fsr-3265	284	18	risk	risk	NOUN
fsr-3265	284	19	tolerance	tolerance	NOUN
fsr-3265	284	20	(	(	PUNCT
fsr-3265	284	21	e.g.	e.g.	ADV
fsr-3265	284	22	,	,	PUNCT
fsr-3265	284	23	gilliam	gilliam	PROPN
fsr-3265	284	24	,	,	PUNCT
fsr-3265	284	25	chatterjee	chatterjee	PROPN
fsr-3265	284	26	,	,	PUNCT
fsr-3265	284	27	&	&	CCONJ
fsr-3265	284	28	grable	grable	PROPN
fsr-3265	284	29	,	,	PUNCT
fsr-3265	284	30	2010	2010	NUM
fsr-3265	284	31	)	)	PUNCT
fsr-3265	284	32	and	and	CCONJ
fsr-3265	284	33	have	have	VERB
fsr-3265	284	34	less	less	ADJ
fsr-3265	284	35	investing	investing	NOUN
fsr-3265	284	36	experience	experience	NOUN
fsr-3265	284	37	than	than	ADP
fsr-3265	284	38	the	the	DET
fsr-3265	284	39	general	general	ADJ
fsr-3265	284	40	investing	investing	NOUN
fsr-3265	284	41	population	population	NOUN
fsr-3265	284	42	,	,	PUNCT
fsr-3265	284	43	the	the	DET
fsr-3265	284	44	results	result	NOUN
fsr-3265	284	45	may	may	AUX
fsr-3265	284	46	be	be	AUX
fsr-3265	284	47	biased	bias	VERB
fsr-3265	284	48	towards	towards	ADP
fsr-3265	284	49	allocating	allocate	VERB
fsr-3265	284	50	more	more	ADJ
fsr-3265	284	51	contributions	contribution	NOUN
fsr-3265	284	52	to	to	ADP
fsr-3265	284	53	risky	risky	ADJ
fsr-3265	284	54	assets	asset	NOUN
fsr-3265	284	55	.	.	PUNCT
fsr-3265	285	1	despite	despite	SCONJ
fsr-3265	285	2	these	these	DET
fsr-3265	285	3	limitations	limitation	NOUN
fsr-3265	285	4	,	,	PUNCT
fsr-3265	285	5	our	our	PRON
fsr-3265	285	6	study	study	NOUN
fsr-3265	285	7	using	use	VERB
fsr-3265	285	8	an	an	DET
fsr-3265	285	9	experimental	experimental	ADJ
fsr-3265	285	10	survey	survey	NOUN
fsr-3265	285	11	design	design	NOUN
fsr-3265	285	12	(	(	PUNCT
fsr-3265	285	13	i.e.	i.e.	X
fsr-3265	285	14	,	,	PUNCT
fsr-3265	285	15	fig	fig	NOUN
fsr-3265	285	16	.	.	PUNCT
fsr-3265	286	1	2	2	X
fsr-3265	286	2	.	.	X
fsr-3265	286	3	interaction	interaction	NOUN
fsr-3265	286	4	effects	effect	NOUN
fsr-3265	286	5	of	of	ADP
fsr-3265	286	6	financial	financial	ADJ
fsr-3265	286	7	literacy	literacy	NOUN
fsr-3265	286	8	and	and	CCONJ
fsr-3265	286	9	network	network	NOUN
fsr-3265	286	10	intensity	intensity	NOUN
fsr-3265	286	11	on	on	ADP
fsr-3265	286	12	the	the	DET
fsr-3265	286	13	deviation	deviation	NOUN
fsr-3265	286	14	from	from	ADP
fsr-3265	286	15	age	age	NOUN
fsr-3265	286	16	-	-	PUNCT
fsr-3265	286	17	appropriate	appropriate	ADJ
fsr-3265	286	18	stock	stock	NOUN
fsr-3265	286	19	allocations	allocation	NOUN
fsr-3265	286	20	.	.	PUNCT
fsr-3265	287	1	notes	note	NOUN
fsr-3265	287	2	:	:	PUNCT
fsr-3265	287	3	this	this	DET
fsr-3265	287	4	figure	figure	NOUN
fsr-3265	287	5	depicts	depict	VERB
fsr-3265	287	6	the	the	DET
fsr-3265	287	7	interaction	interaction	NOUN
fsr-3265	287	8	effects	effect	NOUN
fsr-3265	287	9	based	base	VERB
fsr-3265	287	10	on	on	ADP
fsr-3265	287	11	the	the	DET
fsr-3265	287	12	regression	regression	NOUN
fsr-3265	287	13	results	result	NOUN
fsr-3265	287	14	in	in	ADP
fsr-3265	287	15	column	column	NOUN
fsr-3265	287	16	1b	1b	NUM
fsr-3265	287	17	,	,	PUNCT
fsr-3265	287	18	panel	panel	NOUN
fsr-3265	287	19	b	b	PROPN
fsr-3265	287	20	of	of	ADP
fsr-3265	287	21	table	table	NOUN
fsr-3265	287	22	5	5	NUM
fsr-3265	287	23	.	.	NUM
fsr-3265	287	24	94	94	NUM
fsr-3265	287	25	y.	y.	PROPN
fsr-3265	287	26	chung	chung	PROPN
fsr-3265	287	27	,	,	PUNCT
fsr-3265	287	28	y.	y.	PROPN
fsr-3265	287	29	park	park	PROPN
fsr-3265	287	30	/	/	SYM
fsr-3265	287	31	financial	financial	ADJ
fsr-3265	287	32	services	service	NOUN
fsr-3265	287	33	review	review	VERB
fsr-3265	287	34	24	24	NUM
fsr-3265	287	35	(	(	PUNCT
fsr-3265	287	36	2015	2015	NUM
fsr-3265	287	37	)	)	PUNCT
fsr-3265	288	1	77–99	77–99	NOUN
fsr-3265	288	2	providing	provide	VERB
fsr-3265	288	3	respondents	respondent	NOUN
fsr-3265	288	4	a	a	DET
fsr-3265	288	5	scenario	scenario	NOUN
fsr-3265	288	6	of	of	ADP
fsr-3265	288	7	retirement	retirement	NOUN
fsr-3265	288	8	investments	investment	NOUN
fsr-3265	288	9	and	and	CCONJ
fsr-3265	288	10	having	have	VERB
fsr-3265	288	11	them	they	PRON
fsr-3265	288	12	make	make	VERB
fsr-3265	288	13	investment	investment	NOUN
fsr-3265	288	14	decisions	decision	NOUN
fsr-3265	288	15	)	)	PUNCT
fsr-3265	288	16	provides	provide	VERB
fsr-3265	288	17	an	an	DET
fsr-3265	288	18	implication	implication	NOUN
fsr-3265	288	19	for	for	ADP
fsr-3265	288	20	generation	generation	NOUN
fsr-3265	288	21	yers	yer	NOUN
fsr-3265	288	22	’	'	PUNCT
fsr-3265	288	23	retirement	retirement	NOUN
fsr-3265	288	24	investments	investment	NOUN
fsr-3265	288	25	:	:	PUNCT
fsr-3265	288	26	financial	financial	ADJ
fsr-3265	288	27	literacy	literacy	NOUN
fsr-3265	288	28	combined	combine	VERB
fsr-3265	288	29	with	with	ADP
fsr-3265	288	30	financial	financial	ADJ
fsr-3265	288	31	networks	network	NOUN
fsr-3265	288	32	could	could	AUX
fsr-3265	288	33	increase	increase	VERB
fsr-3265	288	34	the	the	DET
fsr-3265	288	35	effectiveness	effectiveness	NOUN
fsr-3265	288	36	of	of	ADP
fsr-3265	288	37	any	any	DET
fsr-3265	288	38	efforts	effort	NOUN
fsr-3265	288	39	for	for	ADP
fsr-3265	288	40	enhancing	enhance	VERB
fsr-3265	288	41	their	their	PRON
fsr-3265	288	42	investment	investment	NOUN
fsr-3265	288	43	decisions	decision	NOUN
fsr-3265	288	44	.	.	PUNCT
fsr-3265	289	1	this	this	PRON
fsr-3265	289	2	could	could	AUX
fsr-3265	289	3	also	also	ADV
fsr-3265	289	4	be	be	AUX
fsr-3265	289	5	applied	apply	VERB
fsr-3265	289	6	to	to	ADP
fsr-3265	289	7	improving	improve	VERB
fsr-3265	289	8	long	long	ADJ
fsr-3265	289	9	-	-	PUNCT
fsr-3265	289	10	term	term	NOUN
fsr-3265	289	11	financial	financial	ADJ
fsr-3265	289	12	planning	planning	NOUN
fsr-3265	289	13	such	such	ADJ
fsr-3265	289	14	as	as	ADP
fsr-3265	289	15	budgeting	budgeting	NOUN
fsr-3265	289	16	and	and	CCONJ
fsr-3265	289	17	saving	saving	NOUN
fsr-3265	289	18	.	.	PUNCT
fsr-3265	290	1	therefore	therefore	ADV
fsr-3265	290	2	,	,	PUNCT
fsr-3265	290	3	future	future	ADJ
fsr-3265	290	4	research	research	NOUN
fsr-3265	290	5	is	be	AUX
fsr-3265	290	6	called	call	VERB
fsr-3265	290	7	for	for	ADP
fsr-3265	290	8	to	to	PART
fsr-3265	290	9	collect	collect	VERB
fsr-3265	290	10	field	field	NOUN
fsr-3265	290	11	data	datum	NOUN
fsr-3265	290	12	from	from	ADP
fsr-3265	290	13	those	those	PRON
fsr-3265	290	14	who	who	PRON
fsr-3265	290	15	engage	engage	VERB
fsr-3265	290	16	in	in	ADP
fsr-3265	290	17	the	the	DET
fsr-3265	290	18	first	first	ADJ
fsr-3265	290	19	-	-	PUNCT
fsr-3265	290	20	time	time	NOUN
fsr-3265	290	21	retirement	retirement	NOUN
fsr-3265	290	22	investment	investment	NOUN
fsr-3265	290	23	or	or	CCONJ
fsr-3265	290	24	long	long	ADJ
fsr-3265	290	25	-	-	PUNCT
fsr-3265	290	26	term	term	NOUN
fsr-3265	290	27	financial	financial	ADJ
fsr-3265	290	28	planning	planning	NOUN
fsr-3265	290	29	and	and	CCONJ
fsr-3265	290	30	investigate	investigate	VERB
fsr-3265	290	31	how	how	SCONJ
fsr-3265	290	32	their	their	PRON
fsr-3265	290	33	financial	financial	ADJ
fsr-3265	290	34	literacy	literacy	NOUN
fsr-3265	290	35	and	and	CCONJ
fsr-3265	290	36	financial	financial	ADJ
fsr-3265	290	37	networks	network	NOUN
fsr-3265	290	38	jointly	jointly	ADV
fsr-3265	290	39	influence	influence	VERB
fsr-3265	290	40	their	their	PRON
fsr-3265	290	41	decision	decision	NOUN
fsr-3265	290	42	-	-	PUNCT
fsr-3265	290	43	making	make	VERB
fsr-3265	290	44	quality	quality	NOUN
fsr-3265	290	45	.	.	PUNCT
fsr-3265	291	1	notes	note	VERB
fsr-3265	291	2	1	1	NUM
fsr-3265	291	3	several	several	ADJ
fsr-3265	291	4	recent	recent	ADJ
fsr-3265	291	5	articles	article	NOUN
fsr-3265	291	6	provide	provide	VERB
fsr-3265	291	7	excellent	excellent	ADJ
fsr-3265	291	8	literature	literature	NOUN
fsr-3265	291	9	reviews	review	NOUN
fsr-3265	291	10	on	on	ADP
fsr-3265	291	11	the	the	DET
fsr-3265	291	12	effects	effect	NOUN
fsr-3265	291	13	of	of	ADP
fsr-3265	291	14	financial	financial	ADJ
fsr-3265	291	15	literacy	literacy	NOUN
fsr-3265	291	16	and	and	CCONJ
fsr-3265	291	17	financial	financial	ADJ
fsr-3265	291	18	education	education	NOUN
fsr-3265	291	19	on	on	ADP
fsr-3265	291	20	financial	financial	ADJ
fsr-3265	291	21	outcomes	outcome	NOUN
fsr-3265	291	22	(	(	PUNCT
fsr-3265	291	23	e.	e.	PROPN
fsr-3265	291	24	g.	g.	PROPN
fsr-3265	291	25	,	,	PUNCT
fsr-3265	291	26	collins	collins	PROPN
fsr-3265	291	27	&	&	CCONJ
fsr-3265	291	28	o’rourke	o’rourke	PROPN
fsr-3265	291	29	,	,	PUNCT
fsr-3265	291	30	2010	2010	NUM
fsr-3265	291	31	;	;	PUNCT
fsr-3265	291	32	fernandes	fernande	NOUN
fsr-3265	291	33	,	,	PUNCT
fsr-3265	291	34	lynch	lynch	PROPN
fsr-3265	291	35	,	,	PUNCT
fsr-3265	291	36	&	&	CCONJ
fsr-3265	291	37	netemeyer	netemeyer	PROPN
fsr-3265	291	38	,	,	PUNCT
fsr-3265	291	39	2014	2014	NUM
fsr-3265	291	40	;	;	PUNCT
fsr-3265	291	41	hastings	hastings	PROPN
fsr-3265	291	42	,	,	PUNCT
fsr-3265	291	43	madrian	madrian	NOUN
fsr-3265	291	44	,	,	PUNCT
fsr-3265	291	45	&	&	CCONJ
fsr-3265	291	46	skimmyhorn	skimmyhorn	VERB
fsr-3265	291	47	,	,	PUNCT
fsr-3265	291	48	2013	2013	NUM
fsr-3265	291	49	)	)	PUNCT
fsr-3265	291	50	.	.	PUNCT
fsr-3265	292	1	2	2	NUM
fsr-3265	292	2	prior	prior	ADJ
fsr-3265	292	3	studies	study	NOUN
fsr-3265	292	4	on	on	ADP
fsr-3265	292	5	social	social	ADJ
fsr-3265	292	6	interactions	interaction	NOUN
fsr-3265	292	7	focused	focus	VERB
fsr-3265	292	8	on	on	ADP
fsr-3265	292	9	social	social	ADJ
fsr-3265	292	10	activities	activity	NOUN
fsr-3265	292	11	,	,	PUNCT
fsr-3265	292	12	such	such	ADJ
fsr-3265	292	13	as	as	ADP
fsr-3265	292	14	visiting	visit	VERB
fsr-3265	292	15	neighbors	neighbor	NOUN
fsr-3265	292	16	and	and	CCONJ
fsr-3265	292	17	attending	attend	VERB
fsr-3265	292	18	church	church	NOUN
fsr-3265	292	19	(	(	PUNCT
fsr-3265	292	20	hong	hong	PROPN
fsr-3265	292	21	et	et	PROPN
fsr-3265	292	22	al	al	PROPN
fsr-3265	292	23	.	.	PROPN
fsr-3265	292	24	,	,	PUNCT
fsr-3265	292	25	2004	2004	NUM
fsr-3265	292	26	)	)	PUNCT
fsr-3265	292	27	,	,	PUNCT
fsr-3265	292	28	asking	ask	VERB
fsr-3265	292	29	for	for	ADP
fsr-3265	292	30	advice	advice	NOUN
fsr-3265	292	31	about	about	ADP
fsr-3265	292	32	products	product	NOUN
fsr-3265	292	33	and	and	CCONJ
fsr-3265	292	34	brands	brand	NOUN
fsr-3265	292	35	(	(	PUNCT
fsr-3265	292	36	brown	brown	PROPN
fsr-3265	292	37	et	et	PROPN
fsr-3265	292	38	al	al	PROPN
fsr-3265	292	39	.	.	PROPN
fsr-3265	292	40	,	,	PUNCT
fsr-3265	292	41	2008	2008	NUM
fsr-3265	292	42	)	)	PUNCT
fsr-3265	292	43	,	,	PUNCT
fsr-3265	292	44	and	and	CCONJ
fsr-3265	292	45	participating	participate	VERB
fsr-3265	292	46	in	in	ADP
fsr-3265	292	47	a	a	DET
fsr-3265	292	48	sport	sport	NOUN
fsr-3265	292	49	or	or	CCONJ
fsr-3265	292	50	social	social	ADJ
fsr-3265	292	51	club	club	NOUN
fsr-3265	292	52	,	,	PUNCT
fsr-3265	292	53	or	or	CCONJ
fsr-3265	292	54	a	a	DET
fsr-3265	292	55	political	political	ADJ
fsr-3265	292	56	or	or	CCONJ
fsr-3265	292	57	community	community	NOUN
fsr-3265	292	58	-	-	PUNCT
fsr-3265	292	59	related	relate	VERB
fsr-3265	292	60	organization	organization	NOUN
fsr-3265	292	61	(	(	PUNCT
fsr-3265	292	62	christelis	christelis	PROPN
fsr-3265	292	63	,	,	PUNCT
fsr-3265	292	64	jappelli	jappelli	PROPN
fsr-3265	292	65	,	,	PUNCT
fsr-3265	292	66	&	&	CCONJ
fsr-3265	292	67	padula	padula	PROPN
fsr-3265	292	68	,	,	PUNCT
fsr-3265	292	69	2010	2010	NUM
fsr-3265	292	70	)	)	PUNCT
fsr-3265	292	71	.	.	PUNCT
fsr-3265	293	1	3	3	NUM
fsr-3265	293	2	in	in	ADP
fsr-3265	293	3	this	this	DET
fsr-3265	293	4	article	article	NOUN
fsr-3265	293	5	,	,	PUNCT
fsr-3265	293	6	respondents	respondent	NOUN
fsr-3265	293	7	’	'	PUNCT
fsr-3265	293	8	financial	financial	ADJ
fsr-3265	293	9	literacy	literacy	NOUN
fsr-3265	293	10	is	be	AUX
fsr-3265	293	11	measured	measure	VERB
fsr-3265	293	12	with	with	ADP
fsr-3265	293	13	their	their	PRON
fsr-3265	293	14	financial	financial	ADJ
fsr-3265	293	15	knowledge	knowledge	NOUN
fsr-3265	293	16	,	,	PUNCT
fsr-3265	293	17	as	as	ADP
fsr-3265	293	18	in	in	ADP
fsr-3265	293	19	most	most	ADJ
fsr-3265	293	20	prior	prior	ADJ
fsr-3265	293	21	studies	study	NOUN
fsr-3265	293	22	on	on	ADP
fsr-3265	293	23	financial	financial	ADJ
fsr-3265	293	24	literacy	literacy	NOUN
fsr-3265	293	25	(	(	PUNCT
fsr-3265	293	26	e.	e.	PROPN
fsr-3265	293	27	g.	g.	PROPN
fsr-3265	293	28	,	,	PUNCT
fsr-3265	293	29	alhenawi	alhenawi	NOUN
fsr-3265	293	30	&	&	CCONJ
fsr-3265	293	31	elkhal	elkhal	PROPN
fsr-3265	293	32	,	,	PUNCT
fsr-3265	293	33	2013	2013	NUM
fsr-3265	293	34	;	;	PUNCT
fsr-3265	293	35	collins	collin	NOUN
fsr-3265	293	36	,	,	PUNCT
fsr-3265	293	37	2012	2012	NUM
fsr-3265	293	38	;	;	PUNCT
fsr-3265	293	39	lusardi	lusardi	PROPN
fsr-3265	293	40	&	&	CCONJ
fsr-3265	293	41	mitchell	mitchell	PROPN
fsr-3265	293	42	,	,	PUNCT
fsr-3265	293	43	2007a	2007a	NUM
fsr-3265	293	44	;	;	PUNCT
fsr-3265	293	45	robb	robb	NOUN
fsr-3265	293	46	,	,	PUNCT
fsr-3265	293	47	babiarz	babiarz	PROPN
fsr-3265	293	48	,	,	PUNCT
fsr-3265	293	49	&	&	CCONJ
fsr-3265	293	50	woodyard	woodyard	PROPN
fsr-3265	293	51	,	,	PUNCT
fsr-3265	293	52	2012	2012	NUM
fsr-3265	293	53	;	;	PUNCT
fsr-3265	293	54	van	van	PROPN
fsr-3265	293	55	rooij	rooij	NOUN
fsr-3265	293	56	et	et	PROPN
fsr-3265	293	57	al	al	PROPN
fsr-3265	293	58	.	.	PROPN
fsr-3265	293	59	,	,	PUNCT
fsr-3265	293	60	2011	2011	NUM
fsr-3265	293	61	;	;	PUNCT
fsr-3265	293	62	yoong	yoong	PROPN
fsr-3265	293	63	,	,	PUNCT
fsr-3265	293	64	2010	2010	NUM
fsr-3265	293	65	)	)	PUNCT
fsr-3265	293	66	,	,	PUNCT
fsr-3265	293	67	while	while	SCONJ
fsr-3265	293	68	respondents	respondent	NOUN
fsr-3265	293	69	’	'	PUNCT
fsr-3265	293	70	financial	financial	ADJ
fsr-3265	293	71	network	network	NOUN
fsr-3265	293	72	intensity	intensity	NOUN
fsr-3265	293	73	is	be	AUX
fsr-3265	293	74	measured	measure	VERB
fsr-3265	293	75	with	with	ADP
fsr-3265	293	76	their	their	PRON
fsr-3265	293	77	network	network	NOUN
fsr-3265	293	78	strength	strength	NOUN
fsr-3265	293	79	with	with	ADP
fsr-3265	293	80	financially	financially	ADV
fsr-3265	293	81	literate	literate	ADJ
fsr-3265	293	82	ones	one	NOUN
fsr-3265	293	83	.	.	PUNCT
fsr-3265	294	1	we	we	PRON
fsr-3265	294	2	will	will	AUX
fsr-3265	294	3	discuss	discuss	VERB
fsr-3265	294	4	financial	financial	ADJ
fsr-3265	294	5	literacy	literacy	NOUN
fsr-3265	294	6	and	and	CCONJ
fsr-3265	294	7	financial	financial	ADJ
fsr-3265	294	8	network	network	NOUN
fsr-3265	294	9	intensity	intensity	NOUN
fsr-3265	294	10	in	in	ADP
fsr-3265	294	11	more	more	ADJ
fsr-3265	294	12	detail	detail	NOUN
fsr-3265	294	13	in	in	ADP
fsr-3265	294	14	section	section	NOUN
fsr-3265	294	15	3	3	NUM
fsr-3265	294	16	.	.	NOUN
fsr-3265	294	17	4	4	NUM
fsr-3265	294	18	the	the	DET
fsr-3265	294	19	complementary	complementary	ADJ
fsr-3265	294	20	effects	effect	NOUN
fsr-3265	294	21	of	of	ADP
fsr-3265	294	22	financial	financial	ADJ
fsr-3265	294	23	literacy	literacy	NOUN
fsr-3265	294	24	and	and	CCONJ
fsr-3265	294	25	financial	financial	ADJ
fsr-3265	294	26	network	network	NOUN
fsr-3265	294	27	intensity	intensity	NOUN
fsr-3265	294	28	on	on	ADP
fsr-3265	294	29	contribution	contribution	NOUN
fsr-3265	294	30	allocation	allocation	NOUN
fsr-3265	294	31	to	to	ADP
fsr-3265	294	32	stock	stock	NOUN
fsr-3265	294	33	funds	fund	NOUN
fsr-3265	294	34	are	be	AUX
fsr-3265	294	35	similar	similar	ADJ
fsr-3265	294	36	to	to	ADP
fsr-3265	294	37	the	the	DET
fsr-3265	294	38	finding	finding	NOUN
fsr-3265	294	39	of	of	ADP
fsr-3265	294	40	collins	collins	PROPN
fsr-3265	294	41	(	(	PUNCT
fsr-3265	294	42	2012	2012	NUM
fsr-3265	294	43	)	)	PUNCT
fsr-3265	294	44	.	.	PUNCT
fsr-3265	295	1	he	he	PRON
fsr-3265	295	2	finds	find	VERB
fsr-3265	295	3	that	that	SCONJ
fsr-3265	295	4	individuals	individual	NOUN
fsr-3265	295	5	with	with	ADP
fsr-3265	295	6	a	a	DET
fsr-3265	295	7	higher	high	ADJ
fsr-3265	295	8	level	level	NOUN
fsr-3265	295	9	of	of	ADP
fsr-3265	295	10	financial	financial	ADJ
fsr-3265	295	11	literacy	literacy	NOUN
fsr-3265	295	12	are	be	AUX
fsr-3265	295	13	more	more	ADV
fsr-3265	295	14	likely	likely	ADJ
fsr-3265	295	15	to	to	PART
fsr-3265	295	16	receive	receive	VERB
fsr-3265	295	17	financial	financial	ADJ
fsr-3265	295	18	advice	advice	NOUN
fsr-3265	295	19	.	.	PUNCT
fsr-3265	296	1	5	5	NUM
fsr-3265	296	2	several	several	ADJ
fsr-3265	296	3	studies	study	NOUN
fsr-3265	296	4	on	on	ADP
fsr-3265	296	5	stock	stock	NOUN
fsr-3265	296	6	-	-	PUNCT
fsr-3265	296	7	market	market	NOUN
fsr-3265	296	8	participation	participation	NOUN
fsr-3265	296	9	show	show	VERB
fsr-3265	296	10	that	that	SCONJ
fsr-3265	296	11	information	information	NOUN
fsr-3265	296	12	and	and	CCONJ
fsr-3265	296	13	transaction	transaction	NOUN
fsr-3265	296	14	costs	cost	NOUN
fsr-3265	296	15	deter	deter	VERB
fsr-3265	296	16	people	people	NOUN
fsr-3265	296	17	from	from	ADP
fsr-3265	296	18	participating	participate	VERB
fsr-3265	296	19	in	in	ADP
fsr-3265	296	20	the	the	DET
fsr-3265	296	21	stock	stock	NOUN
fsr-3265	296	22	market	market	NOUN
fsr-3265	296	23	(	(	PUNCT
fsr-3265	296	24	e.g.	e.g.	ADV
fsr-3265	296	25	,	,	PUNCT
fsr-3265	296	26	haliassos	haliassos	PROPN
fsr-3265	296	27	&	&	CCONJ
fsr-3265	296	28	bertaut	bertaut	PROPN
fsr-3265	296	29	,	,	PUNCT
fsr-3265	296	30	1995	1995	NUM
fsr-3265	296	31	;	;	PUNCT
fsr-3265	296	32	vissing	visse	VERB
fsr-3265	296	33	-	-	PUNCT
fsr-3265	296	34	jorgensen	jorgensen	PROPN
fsr-3265	296	35	,	,	PUNCT
fsr-3265	296	36	2003	2003	NUM
fsr-3265	296	37	)	)	PUNCT
fsr-3265	296	38	.	.	PUNCT
fsr-3265	297	1	6	6	NUM
fsr-3265	297	2	for	for	ADP
fsr-3265	297	3	example	example	NOUN
fsr-3265	297	4	,	,	PUNCT
fsr-3265	297	5	vissing	visse	VERB
fsr-3265	297	6	-	-	PUNCT
fsr-3265	297	7	jorgensen	jorgensen	PROPN
fsr-3265	297	8	(	(	PUNCT
fsr-3265	297	9	2003	2003	NUM
fsr-3265	297	10	)	)	PUNCT
fsr-3265	297	11	mentions	mention	VERB
fsr-3265	297	12	that	that	SCONJ
fsr-3265	297	13	once	once	SCONJ
fsr-3265	297	14	people	people	NOUN
fsr-3265	297	15	understand	understand	VERB
fsr-3265	297	16	diversification	diversification	NOUN
fsr-3265	297	17	,	,	PUNCT
fsr-3265	297	18	they	they	PRON
fsr-3265	297	19	can	can	AUX
fsr-3265	297	20	apply	apply	VERB
fsr-3265	297	21	their	their	PRON
fsr-3265	297	22	insights	insight	NOUN
fsr-3265	297	23	to	to	ADP
fsr-3265	297	24	a	a	DET
fsr-3265	297	25	larger	large	ADJ
fsr-3265	297	26	portfolio	portfolio	NOUN
fsr-3265	297	27	without	without	ADP
fsr-3265	297	28	cost	cost	NOUN
fsr-3265	297	29	.	.	PUNCT
fsr-3265	298	1	7	7	NUM
fsr-3265	298	2	van	van	PROPN
fsr-3265	298	3	rooij	rooij	NOUN
fsr-3265	298	4	et	et	PROPN
fsr-3265	298	5	al	al	PROPN
fsr-3265	298	6	.	.	PROPN
fsr-3265	298	7	(	(	PUNCT
fsr-3265	298	8	2011	2011	NUM
fsr-3265	298	9	)	)	PUNCT
fsr-3265	298	10	use	use	VERB
fsr-3265	298	11	the	the	DET
fsr-3265	298	12	information	information	NOUN
fsr-3265	298	13	of	of	ADP
fsr-3265	298	14	respondents	respondent	NOUN
fsr-3265	298	15	’	'	PUNCT
fsr-3265	298	16	economics	economic	NOUN
fsr-3265	298	17	education	education	NOUN
fsr-3265	298	18	in	in	ADP
fsr-3265	298	19	school	school	NOUN
fsr-3265	298	20	as	as	ADP
fsr-3265	298	21	an	an	DET
fsr-3265	298	22	instrument	instrument	NOUN
fsr-3265	298	23	for	for	ADP
fsr-3265	298	24	financial	financial	ADJ
fsr-3265	298	25	literacy	literacy	NOUN
fsr-3265	298	26	and	and	CCONJ
fsr-3265	298	27	find	find	VERB
fsr-3265	298	28	a	a	DET
fsr-3265	298	29	positive	positive	ADJ
fsr-3265	298	30	relationship	relationship	NOUN
fsr-3265	298	31	between	between	ADP
fsr-3265	298	32	financial	financial	ADJ
fsr-3265	298	33	literacy	literacy	NOUN
fsr-3265	298	34	and	and	CCONJ
fsr-3265	298	35	stock	stock	NOUN
fsr-3265	298	36	-	-	PUNCT
fsr-3265	298	37	market	market	NOUN
fsr-3265	298	38	participation	participation	NOUN
fsr-3265	298	39	.	.	PUNCT
fsr-3265	299	1	8	8	NUM
fsr-3265	299	2	guiso	guiso	PROPN
fsr-3265	299	3	et	et	PROPN
fsr-3265	299	4	al	al	PROPN
fsr-3265	299	5	.	.	PROPN
fsr-3265	299	6	(	(	PUNCT
fsr-3265	299	7	2008	2008	NUM
fsr-3265	299	8	)	)	PUNCT
fsr-3265	299	9	explore	explore	VERB
fsr-3265	299	10	a	a	DET
fsr-3265	299	11	relationship	relationship	NOUN
fsr-3265	299	12	between	between	ADP
fsr-3265	299	13	trust	trust	NOUN
fsr-3265	299	14	and	and	CCONJ
fsr-3265	299	15	stock	stock	NOUN
fsr-3265	299	16	market	market	NOUN
fsr-3265	299	17	participation	participation	NOUN
fsr-3265	299	18	.	.	PUNCT
fsr-3265	300	1	using	use	VERB
fsr-3265	300	2	dutch	dutch	ADJ
fsr-3265	300	3	and	and	CCONJ
fsr-3265	300	4	italian	italian	ADJ
fsr-3265	300	5	survey	survey	NOUN
fsr-3265	300	6	data	datum	NOUN
fsr-3265	300	7	,	,	PUNCT
fsr-3265	300	8	they	they	PRON
fsr-3265	300	9	find	find	VERB
fsr-3265	300	10	that	that	SCONJ
fsr-3265	300	11	less	less	ADJ
fsr-3265	300	12	trusting	trusting	ADJ
fsr-3265	300	13	individuals	individual	NOUN
fsr-3265	300	14	are	be	AUX
fsr-3265	300	15	less	less	ADV
fsr-3265	300	16	likely	likely	ADJ
fsr-3265	300	17	to	to	PART
fsr-3265	300	18	be	be	AUX
fsr-3265	300	19	stockholders	stockholder	NOUN
fsr-3265	300	20	.	.	PUNCT
fsr-3265	301	1	9	9	NUM
fsr-3265	301	2	since	since	SCONJ
fsr-3265	301	3	this	this	DET
fsr-3265	301	4	survey	survey	NOUN
fsr-3265	301	5	was	be	AUX
fsr-3265	301	6	conducted	conduct	VERB
fsr-3265	301	7	in	in	ADP
fsr-3265	301	8	a	a	DET
fsr-3265	301	9	context	context	NOUN
fsr-3265	301	10	of	of	ADP
fsr-3265	301	11	a	a	DET
fsr-3265	301	12	401(k	401(k	PROPN
fsr-3265	301	13	)	)	PUNCT
fsr-3265	301	14	plan	plan	NOUN
fsr-3265	301	15	,	,	PUNCT
fsr-3265	301	16	the	the	DET
fsr-3265	301	17	survey	survey	NOUN
fsr-3265	301	18	participants	participant	NOUN
fsr-3265	301	19	were	be	AUX
fsr-3265	301	20	informed	inform	VERB
fsr-3265	301	21	before	before	ADP
fsr-3265	301	22	the	the	DET
fsr-3265	301	23	survey	survey	NOUN
fsr-3265	301	24	that	that	SCONJ
fsr-3265	301	25	they	they	PRON
fsr-3265	301	26	could	could	AUX
fsr-3265	301	27	rebalance	rebalance	VERB
fsr-3265	301	28	their	their	PRON
fsr-3265	301	29	retirement	retirement	NOUN
fsr-3265	301	30	portfolio	portfolio	NOUN
fsr-3265	301	31	later	later	ADV
fsr-3265	301	32	at	at	ADP
fsr-3265	301	33	no	no	DET
fsr-3265	301	34	cost	cost	NOUN
fsr-3265	301	35	.	.	PUNCT
fsr-3265	302	1	95y	95y	PROPN
fsr-3265	302	2	.	.	PUNCT
fsr-3265	303	1	chung	chung	PROPN
fsr-3265	303	2	,	,	PUNCT
fsr-3265	303	3	y.	y.	PROPN
fsr-3265	303	4	park	park	PROPN
fsr-3265	303	5	/	/	SYM
fsr-3265	303	6	financial	financial	ADJ
fsr-3265	303	7	services	service	NOUN
fsr-3265	303	8	review	review	VERB
fsr-3265	303	9	24	24	NUM
fsr-3265	303	10	(	(	PUNCT
fsr-3265	303	11	2015	2015	NUM
fsr-3265	303	12	)	)	PUNCT
fsr-3265	304	1	77–99	77–99	NUM
fsr-3265	304	2	10	10	NUM
fsr-3265	304	3	for	for	ADP
fsr-3265	304	4	the	the	DET
fsr-3265	304	5	exact	exact	ADJ
fsr-3265	304	6	wording	wording	NOUN
fsr-3265	304	7	of	of	ADP
fsr-3265	304	8	the	the	DET
fsr-3265	304	9	five	five	NUM
fsr-3265	304	10	questions	question	NOUN
fsr-3265	304	11	,	,	PUNCT
fsr-3265	304	12	see	see	VERB
fsr-3265	304	13	the	the	DET
fsr-3265	304	14	survey	survey	NOUN
fsr-3265	304	15	questions	question	NOUN
fsr-3265	304	16	posted	post	VERB
fsr-3265	304	17	to	to	ADP
fsr-3265	304	18	the	the	DET
fsr-3265	304	19	website	website	NOUN
fsr-3265	304	20	of	of	ADP
fsr-3265	304	21	the	the	DET
fsr-3265	304	22	national	national	ADJ
fsr-3265	304	23	financial	financial	ADJ
fsr-3265	304	24	capability	capability	NOUN
fsr-3265	304	25	study	study	NOUN
fsr-3265	304	26	,	,	PUNCT
fsr-3265	304	27	http://www.usfinancialcapa	http://www.usfinancialcapa	X
fsr-3265	304	28	bility.org/survey_data.html	bility.org/survey_data.html	ADJ
fsr-3265	304	29	.	.	PUNCT
fsr-3265	305	1	11	11	NUM
fsr-3265	305	2	we	we	PRON
fsr-3265	305	3	use	use	VERB
fsr-3265	305	4	the	the	DET
fsr-3265	305	5	items	item	NOUN
fsr-3265	305	6	of	of	ADP
fsr-3265	305	7	grable	grable	PROPN
fsr-3265	305	8	and	and	CCONJ
fsr-3265	305	9	lytton	lytton	PROPN
fsr-3265	305	10	(	(	PUNCT
fsr-3265	305	11	1999	1999	NUM
fsr-3265	305	12	)	)	PUNCT
fsr-3265	305	13	,	,	PUNCT
fsr-3265	305	14	instead	instead	ADV
fsr-3265	305	15	of	of	ADP
fsr-3265	305	16	questions	question	NOUN
fsr-3265	305	17	about	about	ADP
fsr-3265	305	18	hypothetical	hypothetical	ADJ
fsr-3265	305	19	gambles	gamble	NOUN
fsr-3265	305	20	over	over	ADP
fsr-3265	305	21	lifetime	lifetime	NOUN
fsr-3265	305	22	income	income	NOUN
fsr-3265	305	23	in	in	ADP
fsr-3265	305	24	the	the	DET
fsr-3265	305	25	health	health	NOUN
fsr-3265	305	26	and	and	CCONJ
fsr-3265	305	27	retirement	retirement	NOUN
fsr-3265	305	28	study	study	NOUN
fsr-3265	305	29	(	(	PUNCT
fsr-3265	305	30	hrs	hrs	NOUN
fsr-3265	305	31	)	)	PUNCT
fsr-3265	305	32	,	,	PUNCT
fsr-3265	305	33	because	because	SCONJ
fsr-3265	305	34	most	most	ADJ
fsr-3265	305	35	of	of	ADP
fsr-3265	305	36	our	our	PRON
fsr-3265	305	37	survey	survey	NOUN
fsr-3265	305	38	participants	participant	NOUN
fsr-3265	305	39	may	may	AUX
fsr-3265	305	40	not	not	PART
fsr-3265	305	41	be	be	AUX
fsr-3265	305	42	familiar	familiar	ADJ
fsr-3265	305	43	with	with	ADP
fsr-3265	305	44	the	the	DET
fsr-3265	305	45	questions	question	NOUN
fsr-3265	305	46	used	use	VERB
fsr-3265	305	47	in	in	ADP
fsr-3265	305	48	the	the	DET
fsr-3265	305	49	hrs	hrs	NOUN
fsr-3265	305	50	because	because	SCONJ
fsr-3265	305	51	of	of	ADP
fsr-3265	305	52	their	their	PRON
fsr-3265	305	53	little	little	ADJ
fsr-3265	305	54	or	or	CCONJ
fsr-3265	305	55	limited	limited	ADJ
fsr-3265	305	56	full	full	ADJ
fsr-3265	305	57	-	-	PUNCT
fsr-3265	305	58	time	time	NOUN
fsr-3265	305	59	work	work	NOUN
fsr-3265	305	60	experience	experience	NOUN
fsr-3265	305	61	.	.	PUNCT
fsr-3265	306	1	our	our	PRON
fsr-3265	306	2	respondents	respondent	NOUN
fsr-3265	306	3	’	'	PUNCT
fsr-3265	306	4	median	median	NOUN
fsr-3265	306	5	(	(	PUNCT
fsr-3265	306	6	mean	mean	ADJ
fsr-3265	306	7	)	)	PUNCT
fsr-3265	306	8	full	full	ADJ
fsr-3265	306	9	-	-	PUNCT
fsr-3265	306	10	time	time	NOUN
fsr-3265	306	11	work	work	NOUN
fsr-3265	306	12	experience	experience	NOUN
fsr-3265	306	13	is	be	AUX
fsr-3265	306	14	only	only	ADV
fsr-3265	306	15	0.5	0.5	NUM
fsr-3265	306	16	years	year	NOUN
fsr-3265	306	17	(	(	PUNCT
fsr-3265	306	18	1.8	1.8	NUM
fsr-3265	306	19	years	year	NOUN
fsr-3265	306	20	)	)	PUNCT
fsr-3265	306	21	.	.	PUNCT
fsr-3265	307	1	12	12	NUM
fsr-3265	307	2	we	we	PRON
fsr-3265	307	3	include	include	VERB
fsr-3265	307	4	gpa	gpa	PROPN
fsr-3265	307	5	in	in	ADP
fsr-3265	307	6	the	the	DET
fsr-3265	307	7	selection	selection	NOUN
fsr-3265	307	8	equation	equation	NOUN
fsr-3265	307	9	but	but	CCONJ
fsr-3265	307	10	not	not	PART
fsr-3265	307	11	in	in	ADP
fsr-3265	307	12	the	the	DET
fsr-3265	307	13	stock	stock	NOUN
fsr-3265	307	14	allocation	allocation	NOUN
fsr-3265	307	15	equation	equation	NOUN
fsr-3265	307	16	.	.	PUNCT
fsr-3265	308	1	the	the	DET
fsr-3265	308	2	variable	variable	ADJ
fsr-3265	308	3	gpa	gpa	PROPN
fsr-3265	308	4	works	work	VERB
fsr-3265	308	5	as	as	ADP
fsr-3265	308	6	an	an	DET
fsr-3265	308	7	exclusion	exclusion	NOUN
fsr-3265	308	8	restriction	restriction	NOUN
fsr-3265	308	9	.	.	PUNCT
fsr-3265	309	1	the	the	DET
fsr-3265	309	2	heckman	heckman	PROPN
fsr-3265	309	3	two	two	NUM
fsr-3265	309	4	-	-	PUNCT
fsr-3265	309	5	stage	stage	NOUN
fsr-3265	309	6	selection	selection	NOUN
fsr-3265	309	7	model	model	NOUN
fsr-3265	309	8	should	should	AUX
fsr-3265	309	9	have	have	VERB
fsr-3265	309	10	at	at	ADV
fsr-3265	309	11	least	least	ADV
fsr-3265	309	12	one	one	NUM
fsr-3265	309	13	exclusion	exclusion	NOUN
fsr-3265	309	14	restriction	restriction	NOUN
fsr-3265	309	15	;	;	PUNCT
fsr-3265	309	16	otherwise	otherwise	ADV
fsr-3265	309	17	,	,	PUNCT
fsr-3265	309	18	the	the	DET
fsr-3265	309	19	second	second	ADJ
fsr-3265	309	20	stage	stage	NOUN
fsr-3265	309	21	of	of	ADP
fsr-3265	309	22	heckman	heckman	PROPN
fsr-3265	309	23	two	two	NUM
fsr-3265	309	24	-	-	PUNCT
fsr-3265	309	25	stage	stage	NOUN
fsr-3265	309	26	model	model	NOUN
fsr-3265	309	27	is	be	AUX
fsr-3265	309	28	likely	likely	ADJ
fsr-3265	309	29	to	to	PART
fsr-3265	309	30	suffer	suffer	VERB
fsr-3265	309	31	from	from	ADP
fsr-3265	309	32	a	a	DET
fsr-3265	309	33	collinearity	collinearity	NOUN
fsr-3265	309	34	problem	problem	NOUN
fsr-3265	309	35	,	,	PUNCT
fsr-3265	309	36	which	which	PRON
fsr-3265	309	37	provides	provide	VERB
fsr-3265	309	38	imprecise	imprecise	ADJ
fsr-3265	309	39	estimates	estimate	NOUN
fsr-3265	309	40	as	as	ADP
fsr-3265	309	41	a	a	DET
fsr-3265	309	42	result	result	NOUN
fsr-3265	309	43	(	(	PUNCT
fsr-3265	309	44	wooldridge	wooldridge	PROPN
fsr-3265	309	45	,	,	PUNCT
fsr-3265	309	46	2002	2002	NUM
fsr-3265	309	47	)	)	PUNCT
fsr-3265	309	48	.	.	PUNCT
fsr-3265	310	1	13	13	NUM
fsr-3265	310	2	grable	grable	NOUN
fsr-3265	310	3	and	and	CCONJ
fsr-3265	310	4	lytton	lytton	PROPN
fsr-3265	310	5	(	(	PUNCT
fsr-3265	310	6	2003	2003	NUM
fsr-3265	310	7	)	)	PUNCT
fsr-3265	310	8	report	report	VERB
fsr-3265	310	9	an	an	DET
fsr-3265	310	10	average	average	ADJ
fsr-3265	310	11	score	score	NOUN
fsr-3265	310	12	of	of	ADP
fsr-3265	310	13	28.83	28.83	NUM
fsr-3265	310	14	and	and	CCONJ
fsr-3265	310	15	a	a	DET
fsr-3265	310	16	sd	sd	NOUN
fsr-3265	310	17	of	of	ADP
fsr-3265	310	18	4.49	4.49	NUM
fsr-3265	310	19	with	with	ADP
fsr-3265	310	20	a	a	DET
fsr-3265	310	21	sample	sample	NOUN
fsr-3265	310	22	of	of	ADP
fsr-3265	310	23	303	303	NUM
fsr-3265	310	24	respondents	respondent	NOUN
fsr-3265	310	25	,	,	PUNCT
fsr-3265	310	26	while	while	SCONJ
fsr-3265	310	27	grable	grable	ADJ
fsr-3265	310	28	et	et	PROPN
fsr-3265	310	29	al	al	PROPN
fsr-3265	310	30	.	.	PROPN
fsr-3265	311	1	(	(	PUNCT
fsr-3265	311	2	2004	2004	NUM
fsr-3265	311	3	)	)	PUNCT
fsr-3265	311	4	report	report	VERB
fsr-3265	311	5	an	an	DET
fsr-3265	311	6	average	average	ADJ
fsr-3265	311	7	score	score	NOUN
fsr-3265	311	8	of	of	ADP
fsr-3265	311	9	27.03	27.03	NUM
fsr-3265	311	10	and	and	CCONJ
fsr-3265	311	11	a	a	DET
fsr-3265	311	12	sd	sd	NOUN
fsr-3265	311	13	of	of	ADP
fsr-3265	311	14	5.18	5.18	NUM
fsr-3265	311	15	with	with	ADP
fsr-3265	311	16	a	a	DET
fsr-3265	311	17	sample	sample	NOUN
fsr-3265	311	18	of	of	ADP
fsr-3265	311	19	421	421	NUM
fsr-3265	311	20	respondents	respondent	NOUN
fsr-3265	311	21	.	.	PUNCT
fsr-3265	312	1	as	as	ADP
fsr-3265	312	2	a	a	DET
fsr-3265	312	3	range	range	NOUN
fsr-3265	312	4	of	of	ADP
fsr-3265	312	5	a	a	DET
fsr-3265	312	6	medium	medium	ADJ
fsr-3265	312	7	level	level	NOUN
fsr-3265	312	8	of	of	ADP
fsr-3265	312	9	risk	risk	NOUN
fsr-3265	312	10	tolerance	tolerance	NOUN
fsr-3265	312	11	,	,	PUNCT
fsr-3265	312	12	we	we	PRON
fsr-3265	312	13	use	use	VERB
fsr-3265	312	14	the	the	DET
fsr-3265	312	15	common	common	ADJ
fsr-3265	312	16	interval	interval	NOUN
fsr-3265	312	17	of	of	ADP
fsr-3265	312	18	�	�	PROPN
fsr-3265	312	19	one	one	NUM
fsr-3265	312	20	sd	sd	NOUN
fsr-3265	312	21	from	from	ADP
fsr-3265	312	22	the	the	DET
fsr-3265	312	23	two	two	NUM
fsr-3265	312	24	studies	study	NOUN
fsr-3265	312	25	,	,	PUNCT
fsr-3265	312	26	which	which	PRON
fsr-3265	312	27	is	be	AUX
fsr-3265	312	28	a	a	DET
fsr-3265	312	29	range	range	NOUN
fsr-3265	312	30	of	of	ADP
fsr-3265	312	31	24–32	24–32	NUM
fsr-3265	312	32	.	.	PUNCT
fsr-3265	313	1	acknowledgments	acknowledgment	NOUN
fsr-3265	313	2	the	the	DET
fsr-3265	313	3	authors	author	NOUN
fsr-3265	313	4	would	would	AUX
fsr-3265	313	5	like	like	VERB
fsr-3265	313	6	to	to	PART
fsr-3265	313	7	thank	thank	VERB
fsr-3265	313	8	michele	michele	PROPN
fsr-3265	313	9	o’neill	o’neill	PROPN
fsr-3265	313	10	and	and	CCONJ
fsr-3265	313	11	anonymous	anonymous	ADJ
fsr-3265	313	12	referees	referee	NOUN
fsr-3265	313	13	for	for	ADP
fsr-3265	313	14	their	their	PRON
fsr-3265	313	15	helpful	helpful	ADJ
fsr-3265	313	16	comments	comment	NOUN
fsr-3265	313	17	.	.	PUNCT
fsr-3265	314	1	references	reference	NOUN
fsr-3265	314	2	agnew	agnew	PROPN
fsr-3265	314	3	,	,	PUNCT
fsr-3265	314	4	j.	j.	PROPN
fsr-3265	314	5	r.	r.	PROPN
fsr-3265	314	6	,	,	PUNCT
fsr-3265	314	7	&	&	CCONJ
fsr-3265	314	8	szykman	szykman	PROPN
fsr-3265	314	9	,	,	PUNCT
fsr-3265	314	10	l.	l.	PROPN
fsr-3265	314	11	r.	r.	PROPN
fsr-3265	314	12	(	(	PUNCT
fsr-3265	314	13	2005	2005	NUM
fsr-3265	314	14	)	)	PUNCT
fsr-3265	314	15	.	.	PUNCT
fsr-3265	315	1	asset	asset	NOUN
fsr-3265	315	2	allocation	allocation	NOUN
fsr-3265	315	3	and	and	CCONJ
fsr-3265	315	4	information	information	NOUN
fsr-3265	315	5	overload	overload	NOUN
fsr-3265	315	6	:	:	PUNCT
fsr-3265	315	7	the	the	DET
fsr-3265	315	8	influence	influence	NOUN
fsr-3265	315	9	of	of	ADP
fsr-3265	315	10	information	information	NOUN
fsr-3265	315	11	display	display	NOUN
fsr-3265	315	12	,	,	PUNCT
fsr-3265	315	13	asset	asset	NOUN
fsr-3265	315	14	choice	choice	NOUN
fsr-3265	315	15	,	,	PUNCT
fsr-3265	315	16	and	and	CCONJ
fsr-3265	315	17	investor	investor	NOUN
fsr-3265	315	18	experience	experience	NOUN
fsr-3265	315	19	.	.	PUNCT
fsr-3265	316	1	journal	journal	NOUN
fsr-3265	316	2	of	of	ADP
fsr-3265	316	3	behavioral	behavioral	ADJ
fsr-3265	316	4	finance	finance	NOUN
fsr-3265	316	5	,	,	PUNCT
fsr-3265	316	6	6	6	NUM
fsr-3265	316	7	,	,	PUNCT
fsr-3265	316	8	57–70	57–70	NUM
fsr-3265	316	9	.	.	PUNCT
fsr-3265	317	1	aiken	aiken	PROPN
fsr-3265	317	2	,	,	PUNCT
fsr-3265	317	3	l.	l.	PROPN
fsr-3265	317	4	s.	s.	PROPN
fsr-3265	317	5	,	,	PUNCT
fsr-3265	317	6	&	&	CCONJ
fsr-3265	317	7	west	west	PROPN
fsr-3265	317	8	,	,	PUNCT
fsr-3265	317	9	s.	s.	PROPN
fsr-3265	317	10	g.	g.	PROPN
fsr-3265	317	11	(	(	PUNCT
fsr-3265	317	12	1991	1991	NUM
fsr-3265	317	13	)	)	PUNCT
fsr-3265	317	14	.	.	PUNCT
fsr-3265	318	1	multiple	multiple	ADJ
fsr-3265	318	2	regression	regression	NOUN
fsr-3265	318	3	:	:	PUNCT
fsr-3265	318	4	testing	testing	NOUN
fsr-3265	318	5	and	and	CCONJ
fsr-3265	318	6	interpreting	interpret	VERB
fsr-3265	318	7	interactions	interaction	NOUN
fsr-3265	318	8	.	.	PUNCT
fsr-3265	319	1	newbury	newbury	PROPN
fsr-3265	319	2	park	park	PROPN
fsr-3265	319	3	,	,	PUNCT
fsr-3265	319	4	ca	can	AUX
fsr-3265	319	5	:	:	PUNCT
fsr-3265	319	6	sage	sage	VERB
fsr-3265	319	7	.	.	PUNCT
fsr-3265	320	1	alhenawi	alhenawi	PROPN
fsr-3265	320	2	,	,	PUNCT
fsr-3265	320	3	y.	y.	PROPN
fsr-3265	320	4	,	,	PUNCT
fsr-3265	320	5	&	&	CCONJ
fsr-3265	320	6	elkhal	elkhal	VERB
fsr-3265	320	7	.	.	PUNCT
fsr-3265	321	1	(	(	PUNCT
fsr-3265	321	2	2013	2013	NUM
fsr-3265	321	3	)	)	PUNCT
fsr-3265	321	4	.	.	PUNCT
fsr-3265	322	1	financial	financial	ADJ
fsr-3265	322	2	literacy	literacy	NOUN
fsr-3265	322	3	of	of	ADP
fsr-3265	322	4	u.s	u.s	PROPN
fsr-3265	322	5	.	.	PROPN
fsr-3265	322	6	households	household	NOUN
fsr-3265	322	7	:	:	PUNCT
fsr-3265	322	8	knowledge	knowledge	NOUN
fsr-3265	322	9	vs.	vs.	ADP
fsr-3265	322	10	long	long	ADJ
fsr-3265	322	11	-	-	PUNCT
fsr-3265	322	12	term	term	NOUN
fsr-3265	322	13	financial	financial	ADJ
fsr-3265	322	14	planning	planning	NOUN
fsr-3265	322	15	.	.	PUNCT
fsr-3265	323	1	financial	financial	ADJ
fsr-3265	323	2	services	service	NOUN
fsr-3265	323	3	review	review	PROPN
fsr-3265	323	4	,	,	PUNCT
fsr-3265	323	5	22	22	NUM
fsr-3265	323	6	,	,	PUNCT
fsr-3265	323	7	211–244	211–244	NUM
fsr-3265	323	8	.	.	PUNCT
fsr-3265	324	1	au	au	PROPN
fsr-3265	324	2	,	,	PUNCT
fsr-3265	324	3	k.	k.	PROPN
fsr-3265	324	4	,	,	PUNCT
fsr-3265	324	5	chan	chan	PROPN
fsr-3265	324	6	,	,	PUNCT
fsr-3265	324	7	f.	f.	PROPN
fsr-3265	324	8	,	,	PUNCT
fsr-3265	324	9	wang	wang	PROPN
fsr-3265	324	10	,	,	PUNCT
fsr-3265	324	11	d.	d.	PROPN
fsr-3265	324	12	,	,	PUNCT
fsr-3265	324	13	&	&	CCONJ
fsr-3265	324	14	vertinsky	vertinsky	PROPN
fsr-3265	324	15	,	,	PUNCT
fsr-3265	324	16	i.	i.	NOUN
fsr-3265	324	17	(	(	PUNCT
fsr-3265	324	18	2003	2003	NUM
fsr-3265	324	19	)	)	PUNCT
fsr-3265	324	20	.	.	PUNCT
fsr-3265	325	1	mood	mood	NOUN
fsr-3265	325	2	in	in	ADP
fsr-3265	325	3	foreign	foreign	ADJ
fsr-3265	325	4	exchange	exchange	NOUN
fsr-3265	325	5	trading	trading	NOUN
fsr-3265	325	6	:	:	PUNCT
fsr-3265	325	7	cognitive	cognitive	ADJ
fsr-3265	325	8	processes	process	NOUN
fsr-3265	325	9	and	and	CCONJ
fsr-3265	325	10	performance	performance	NOUN
fsr-3265	325	11	.	.	PUNCT
fsr-3265	326	1	organizational	organizational	ADJ
fsr-3265	326	2	behavior	behavior	NOUN
fsr-3265	326	3	and	and	CCONJ
fsr-3265	326	4	human	human	ADJ
fsr-3265	326	5	decision	decision	NOUN
fsr-3265	326	6	processes	process	NOUN
fsr-3265	326	7	,	,	PUNCT
fsr-3265	326	8	91	91	NUM
fsr-3265	326	9	,	,	PUNCT
fsr-3265	326	10	322–338	322–338	NUM
fsr-3265	326	11	.	.	PUNCT
fsr-3265	326	12	balkundi	balkundi	PROPN
fsr-3265	326	13	,	,	PUNCT
fsr-3265	326	14	p.	p.	PROPN
fsr-3265	326	15	,	,	PUNCT
fsr-3265	326	16	&	&	CCONJ
fsr-3265	326	17	harrison	harrison	PROPN
fsr-3265	326	18	,	,	PUNCT
fsr-3265	326	19	d.	d.	PROPN
fsr-3265	326	20	a.	a.	PROPN
fsr-3265	326	21	(	(	PUNCT
fsr-3265	326	22	2006	2006	NUM
fsr-3265	326	23	)	)	PUNCT
fsr-3265	326	24	.	.	PUNCT
fsr-3265	327	1	ties	tie	NOUN
fsr-3265	327	2	,	,	PUNCT
fsr-3265	327	3	leaders	leader	NOUN
fsr-3265	327	4	,	,	PUNCT
fsr-3265	327	5	and	and	CCONJ
fsr-3265	327	6	time	time	NOUN
fsr-3265	327	7	in	in	ADP
fsr-3265	327	8	teams	team	NOUN
fsr-3265	327	9	:	:	PUNCT
fsr-3265	327	10	strong	strong	ADJ
fsr-3265	327	11	inference	inference	NOUN
fsr-3265	327	12	about	about	ADP
fsr-3265	327	13	network	network	NOUN
fsr-3265	327	14	structure	structure	NOUN
fsr-3265	327	15	’s	’s	PART
fsr-3265	327	16	effects	effect	NOUN
fsr-3265	327	17	on	on	ADP
fsr-3265	327	18	team	team	NOUN
fsr-3265	327	19	viability	viability	NOUN
fsr-3265	327	20	and	and	CCONJ
fsr-3265	327	21	performance	performance	NOUN
fsr-3265	327	22	.	.	PUNCT
fsr-3265	328	1	academy	academy	PROPN
fsr-3265	328	2	of	of	ADP
fsr-3265	328	3	management	management	PROPN
fsr-3265	328	4	journal	journal	NOUN
fsr-3265	328	5	,	,	PUNCT
fsr-3265	328	6	49	49	NUM
fsr-3265	328	7	,	,	PUNCT
fsr-3265	328	8	49–68	49–68	NUM
fsr-3265	328	9	.	.	PUNCT
fsr-3265	328	10	bandura	bandura	NOUN
fsr-3265	328	11	,	,	PUNCT
fsr-3265	328	12	a.	a.	NOUN
fsr-3265	328	13	(	(	PUNCT
fsr-3265	328	14	1993	1993	NUM
fsr-3265	328	15	)	)	PUNCT
fsr-3265	328	16	.	.	PUNCT
fsr-3265	329	1	perceived	perceive	VERB
fsr-3265	329	2	self	self	NOUN
fsr-3265	329	3	-	-	PUNCT
fsr-3265	329	4	efficacy	efficacy	NOUN
fsr-3265	329	5	in	in	ADP
fsr-3265	329	6	cognitive	cognitive	ADJ
fsr-3265	329	7	development	development	NOUN
fsr-3265	329	8	and	and	CCONJ
fsr-3265	329	9	functioning	functioning	NOUN
fsr-3265	329	10	.	.	PUNCT
fsr-3265	330	1	educational	educational	ADJ
fsr-3265	330	2	psychologist	psychologist	NOUN
fsr-3265	330	3	,	,	PUNCT
fsr-3265	330	4	28	28	NUM
fsr-3265	330	5	,	,	PUNCT
fsr-3265	330	6	117–148	117–148	NUM
fsr-3265	330	7	.	.	PUNCT
fsr-3265	330	8	bandura	bandura	NOUN
fsr-3265	330	9	,	,	PUNCT
fsr-3265	330	10	a.	a.	NOUN
fsr-3265	330	11	(	(	PUNCT
fsr-3265	330	12	1997	1997	NUM
fsr-3265	330	13	)	)	PUNCT
fsr-3265	330	14	.	.	PUNCT
fsr-3265	331	1	self	self	NOUN
fsr-3265	331	2	-	-	PUNCT
fsr-3265	331	3	efficacy	efficacy	NOUN
fsr-3265	331	4	:	:	PUNCT
fsr-3265	331	5	the	the	DET
fsr-3265	331	6	exercise	exercise	NOUN
fsr-3265	331	7	of	of	ADP
fsr-3265	331	8	control	control	NOUN
fsr-3265	331	9	.	.	PUNCT
fsr-3265	332	1	new	new	PROPN
fsr-3265	332	2	york	york	PROPN
fsr-3265	332	3	,	,	PUNCT
fsr-3265	332	4	ny	ny	PROPN
fsr-3265	332	5	:	:	PUNCT
fsr-3265	332	6	w.	w.	PROPN
fsr-3265	332	7	freeman	freeman	PROPN
fsr-3265	332	8	.	.	PUNCT
fsr-3265	333	1	banerjee	banerjee	PROPN
fsr-3265	333	2	,	,	PUNCT
fsr-3265	333	3	a.	a.	NOUN
fsr-3265	333	4	(	(	PUNCT
fsr-3265	333	5	1992	1992	NUM
fsr-3265	333	6	)	)	PUNCT
fsr-3265	333	7	.	.	PUNCT
fsr-3265	334	1	a	a	DET
fsr-3265	334	2	simple	simple	ADJ
fsr-3265	334	3	model	model	NOUN
fsr-3265	334	4	of	of	ADP
fsr-3265	334	5	herd	herd	NOUN
fsr-3265	334	6	behavior	behavior	NOUN
fsr-3265	334	7	.	.	PUNCT
fsr-3265	335	1	quarterly	quarterly	ADJ
fsr-3265	335	2	journal	journal	NOUN
fsr-3265	335	3	of	of	ADP
fsr-3265	335	4	economics	economic	NOUN
fsr-3265	335	5	,	,	PUNCT
fsr-3265	335	6	107	107	NUM
fsr-3265	335	7	,	,	PUNCT
fsr-3265	335	8	797–817	797–817	NUM
fsr-3265	335	9	.	.	PUNCT
fsr-3265	335	10	banerjee	banerjee	PROPN
fsr-3265	335	11	,	,	PUNCT
fsr-3265	335	12	s.	s.	PROPN
fsr-3265	335	13	(	(	PUNCT
fsr-3265	335	14	2011	2011	NUM
fsr-3265	335	15	)	)	PUNCT
fsr-3265	335	16	.	.	PUNCT
fsr-3265	336	1	how	how	SCONJ
fsr-3265	336	2	do	do	AUX
fsr-3265	336	3	financial	financial	ADJ
fsr-3265	336	4	literacy	literacy	NOUN
fsr-3265	336	5	and	and	CCONJ
fsr-3265	336	6	financial	financial	ADJ
fsr-3265	336	7	behavior	behavior	NOUN
fsr-3265	336	8	vary	vary	VERB
fsr-3265	336	9	by	by	ADP
fsr-3265	336	10	state	state	NOUN
fsr-3265	336	11	?	?	PUNCT
fsr-3265	337	1	employee	employee	NOUN
fsr-3265	337	2	benefit	benefit	PROPN
fsr-3265	337	3	research	research	PROPN
fsr-3265	337	4	institute	institute	NOUN
fsr-3265	337	5	note	note	NOUN
fsr-3265	337	6	,	,	PUNCT
fsr-3265	337	7	32	32	NUM
fsr-3265	337	8	,	,	PUNCT
fsr-3265	337	9	9–13	9–13	PROPN
fsr-3265	337	10	.	.	PUNCT
fsr-3265	338	1	becker	becker	PROPN
fsr-3265	338	2	,	,	PUNCT
fsr-3265	338	3	s.	s.	PROPN
fsr-3265	338	4	p.	p.	PROPN
fsr-3265	338	5	,	,	PUNCT
fsr-3265	338	6	&	&	CCONJ
fsr-3265	338	7	gable	gable	PROPN
fsr-3265	338	8	,	,	PUNCT
fsr-3265	338	9	r.	r.	PROPN
fsr-3265	338	10	k.	k.	PROPN
fsr-3265	338	11	(	(	PUNCT
fsr-3265	338	12	2009	2009	NUM
fsr-3265	338	13	)	)	PUNCT
fsr-3265	338	14	.	.	PUNCT
fsr-3265	339	1	the	the	DET
fsr-3265	339	2	relationship	relationship	NOUN
fsr-3265	339	3	of	of	ADP
fsr-3265	339	4	self	self	NOUN
fsr-3265	339	5	-	-	PUNCT
fsr-3265	339	6	efficacy	efficacy	NOUN
fsr-3265	339	7	with	with	ADP
fsr-3265	339	8	gpa	gpa	PROPN
fsr-3265	339	9	,	,	PUNCT
fsr-3265	339	10	attendance	attendance	NOUN
fsr-3265	339	11	,	,	PUNCT
fsr-3265	339	12	and	and	CCONJ
fsr-3265	339	13	college	college	NOUN
fsr-3265	339	14	student	student	NOUN
fsr-3265	339	15	retention	retention	NOUN
fsr-3265	339	16	.	.	PUNCT
fsr-3265	340	1	nera	nera	NOUN
fsr-3265	340	2	conference	conference	NOUN
fsr-3265	340	3	proceedings	proceeding	NOUN
fsr-3265	340	4	,	,	PUNCT
fsr-3265	340	5	paper	paper	NOUN
fsr-3265	340	6	26	26	NUM
fsr-3265	340	7	.	.	PUNCT
fsr-3265	341	1	96	96	NUM
fsr-3265	341	2	y.	y.	PROPN
fsr-3265	341	3	chung	chung	PROPN
fsr-3265	341	4	,	,	PUNCT
fsr-3265	341	5	y.	y.	PROPN
fsr-3265	341	6	park	park	PROPN
fsr-3265	341	7	/	/	SYM
fsr-3265	341	8	financial	financial	ADJ
fsr-3265	341	9	services	service	NOUN
fsr-3265	341	10	review	review	VERB
fsr-3265	341	11	24	24	NUM
fsr-3265	341	12	(	(	PUNCT
fsr-3265	341	13	2015	2015	NUM
fsr-3265	341	14	)	)	PUNCT
fsr-3265	341	15	77–99	77–99	NUM
fsr-3265	341	16	bettman	bettman	PROPN
fsr-3265	341	17	,	,	PUNCT
fsr-3265	341	18	j.	j.	PROPN
fsr-3265	341	19	r.	r.	PROPN
fsr-3265	341	20	,	,	PUNCT
fsr-3265	341	21	&	&	CCONJ
fsr-3265	341	22	park	park	PROPN
fsr-3265	341	23	,	,	PUNCT
fsr-3265	341	24	c.	c.	PROPN
fsr-3265	341	25	w.	w.	PROPN
fsr-3265	341	26	(	(	PUNCT
fsr-3265	341	27	1980	1980	NUM
fsr-3265	341	28	)	)	PUNCT
fsr-3265	341	29	.	.	PUNCT
fsr-3265	342	1	effects	effect	NOUN
fsr-3265	342	2	of	of	ADP
fsr-3265	342	3	prior	prior	ADJ
fsr-3265	342	4	knowledge	knowledge	NOUN
fsr-3265	342	5	and	and	CCONJ
fsr-3265	342	6	experience	experience	NOUN
fsr-3265	342	7	and	and	CCONJ
fsr-3265	342	8	phase	phase	NOUN
fsr-3265	342	9	of	of	ADP
fsr-3265	342	10	the	the	DET
fsr-3265	342	11	choice	choice	NOUN
fsr-3265	342	12	process	process	NOUN
fsr-3265	342	13	on	on	ADP
fsr-3265	342	14	consumer	consumer	NOUN
fsr-3265	342	15	decision	decision	NOUN
fsr-3265	342	16	processes	process	NOUN
fsr-3265	342	17	:	:	PUNCT
fsr-3265	342	18	a	a	DET
fsr-3265	342	19	protocol	protocol	NOUN
fsr-3265	342	20	analysis	analysis	NOUN
fsr-3265	342	21	.	.	PUNCT
fsr-3265	343	1	journal	journal	PROPN
fsr-3265	343	2	of	of	ADP
fsr-3265	343	3	consumer	consumer	NOUN
fsr-3265	343	4	research	research	NOUN
fsr-3265	343	5	,	,	PUNCT
fsr-3265	343	6	7	7	NUM
fsr-3265	343	7	,	,	PUNCT
fsr-3265	343	8	234–248	234–248	NUM
fsr-3265	343	9	.	.	PUNCT
fsr-3265	344	1	bikchandani	bikchandani	PROPN
fsr-3265	344	2	,	,	PUNCT
fsr-3265	344	3	s.	s.	PROPN
fsr-3265	344	4	,	,	PUNCT
fsr-3265	344	5	hirshleifer	hirshleifer	PROPN
fsr-3265	344	6	,	,	PUNCT
fsr-3265	344	7	d.	d.	PROPN
fsr-3265	344	8	,	,	PUNCT
fsr-3265	344	9	&	&	CCONJ
fsr-3265	344	10	welch	welch	PROPN
fsr-3265	344	11	,	,	PUNCT
fsr-3265	344	12	i.	i.	PROPN
fsr-3265	344	13	(	(	PUNCT
fsr-3265	344	14	1992	1992	NUM
fsr-3265	344	15	)	)	PUNCT
fsr-3265	344	16	.	.	PUNCT
fsr-3265	345	1	a	a	DET
fsr-3265	345	2	theory	theory	NOUN
fsr-3265	345	3	of	of	ADP
fsr-3265	345	4	fads	fad	NOUN
fsr-3265	345	5	,	,	PUNCT
fsr-3265	345	6	fashion	fashion	NOUN
fsr-3265	345	7	,	,	PUNCT
fsr-3265	345	8	custom	custom	NOUN
fsr-3265	345	9	and	and	CCONJ
fsr-3265	345	10	cultural	cultural	ADJ
fsr-3265	345	11	change	change	NOUN
fsr-3265	345	12	as	as	ADP
fsr-3265	345	13	informational	informational	ADJ
fsr-3265	345	14	cascades	cascade	NOUN
fsr-3265	345	15	.	.	PUNCT
fsr-3265	346	1	journal	journal	NOUN
fsr-3265	346	2	of	of	ADP
fsr-3265	346	3	political	political	ADJ
fsr-3265	346	4	economy	economy	NOUN
fsr-3265	346	5	,	,	PUNCT
fsr-3265	346	6	100	100	NUM
fsr-3265	346	7	,	,	PUNCT
fsr-3265	346	8	992–1026	992–1026	NUM
fsr-3265	346	9	.	.	NOUN
fsr-3265	346	10	brown	brown	PROPN
fsr-3265	346	11	,	,	PUNCT
fsr-3265	346	12	j.	j.	PROPN
fsr-3265	346	13	r.	r.	PROPN
fsr-3265	346	14	,	,	PUNCT
fsr-3265	346	15	ivković	ivković	ADV
fsr-3265	346	16	,	,	PUNCT
fsr-3265	346	17	z.	z.	PROPN
fsr-3265	346	18	,	,	PUNCT
fsr-3265	346	19	smith	smith	PROPN
fsr-3265	346	20	,	,	PUNCT
fsr-3265	346	21	p.	p.	NOUN
fsr-3265	346	22	a.	a.	PROPN
fsr-3265	346	23	,	,	PUNCT
fsr-3265	346	24	&	&	CCONJ
fsr-3265	346	25	weisbenner	weisbenner	PROPN
fsr-3265	346	26	,	,	PUNCT
fsr-3265	346	27	s.	s.	PROPN
fsr-3265	346	28	j.	j.	PROPN
fsr-3265	346	29	(	(	PUNCT
fsr-3265	346	30	2008	2008	NUM
fsr-3265	346	31	)	)	PUNCT
fsr-3265	346	32	.	.	PUNCT
fsr-3265	347	1	neighbors	neighbor	NOUN
fsr-3265	347	2	matter	matter	VERB
fsr-3265	347	3	:	:	PUNCT
fsr-3265	347	4	causal	causal	ADJ
fsr-3265	347	5	community	community	NOUN
fsr-3265	347	6	effects	effect	NOUN
fsr-3265	347	7	and	and	CCONJ
fsr-3265	347	8	stock	stock	NOUN
fsr-3265	347	9	market	market	NOUN
fsr-3265	347	10	participation	participation	NOUN
fsr-3265	347	11	.	.	PUNCT
fsr-3265	348	1	journal	journal	NOUN
fsr-3265	348	2	of	of	ADP
fsr-3265	348	3	finance	finance	NOUN
fsr-3265	348	4	,	,	PUNCT
fsr-3265	348	5	63	63	NUM
fsr-3265	348	6	,	,	PUNCT
fsr-3265	348	7	1509–1531	1509–1531	NUM
fsr-3265	348	8	.	.	PUNCT
fsr-3265	349	1	campbell	campbell	PROPN
fsr-3265	349	2	,	,	PUNCT
fsr-3265	349	3	j.	j.	PROPN
fsr-3265	349	4	(	(	PUNCT
fsr-3265	349	5	2006	2006	NUM
fsr-3265	349	6	)	)	PUNCT
fsr-3265	349	7	.	.	PUNCT
fsr-3265	350	1	household	household	NOUN
fsr-3265	350	2	finance	finance	NOUN
fsr-3265	350	3	.	.	PUNCT
fsr-3265	351	1	journal	journal	PROPN
fsr-3265	351	2	of	of	ADP
fsr-3265	351	3	finance	finance	NOUN
fsr-3265	351	4	,	,	PUNCT
fsr-3265	351	5	61	61	NUM
fsr-3265	351	6	,	,	PUNCT
fsr-3265	351	7	1553–1604	1553–1604	NUM
fsr-3265	351	8	.	.	PUNCT
fsr-3265	352	1	cascioaro	cascioaro	PROPN
fsr-3265	352	2	,	,	PUNCT
fsr-3265	352	3	t.	t.	PROPN
fsr-3265	352	4	,	,	PUNCT
fsr-3265	352	5	&	&	CCONJ
fsr-3265	352	6	lobo	lobo	PROPN
fsr-3265	352	7	,	,	PUNCT
fsr-3265	352	8	m.	m.	NOUN
fsr-3265	352	9	s.	s.	PROPN
fsr-3265	352	10	(	(	PUNCT
fsr-3265	352	11	2008	2008	NUM
fsr-3265	352	12	)	)	PUNCT
fsr-3265	352	13	.	.	PUNCT
fsr-3265	353	1	when	when	SCONJ
fsr-3265	353	2	competence	competence	NOUN
fsr-3265	353	3	is	be	AUX
fsr-3265	353	4	irrelevant	irrelevant	ADJ
fsr-3265	353	5	:	:	PUNCT
fsr-3265	353	6	the	the	DET
fsr-3265	353	7	role	role	NOUN
fsr-3265	353	8	in	in	ADP
fsr-3265	353	9	interpersonal	interpersonal	ADJ
fsr-3265	353	10	affect	affect	NOUN
fsr-3265	353	11	in	in	ADP
fsr-3265	353	12	task	task	NOUN
fsr-3265	353	13	-	-	PUNCT
fsr-3265	353	14	related	relate	VERB
fsr-3265	353	15	ties	tie	NOUN
fsr-3265	353	16	.	.	PUNCT
fsr-3265	354	1	administrative	administrative	ADJ
fsr-3265	354	2	science	science	PROPN
fsr-3265	354	3	quarterly	quarterly	ADV
fsr-3265	354	4	,	,	PUNCT
fsr-3265	354	5	53	53	NUM
fsr-3265	354	6	,	,	PUNCT
fsr-3265	354	7	655–684	655–684	NUM
fsr-3265	354	8	.	.	PUNCT
fsr-3265	355	1	choi	choi	PROPN
fsr-3265	355	2	,	,	PUNCT
fsr-3265	355	3	j.	j.	PROPN
fsr-3265	355	4	j.	j.	PROPN
fsr-3265	355	5	,	,	PUNCT
fsr-3265	355	6	laibson	laibson	PROPN
fsr-3265	355	7	,	,	PUNCT
fsr-3265	355	8	d.	d.	PROPN
fsr-3265	355	9	,	,	PUNCT
fsr-3265	355	10	madrian	madrian	PROPN
fsr-3265	355	11	,	,	PUNCT
fsr-3265	355	12	b.	b.	PROPN
fsr-3265	355	13	c.	c.	PROPN
fsr-3265	355	14	,	,	PUNCT
fsr-3265	355	15	&	&	CCONJ
fsr-3265	355	16	metrick	metrick	ADJ
fsr-3265	355	17	,	,	PUNCT
fsr-3265	355	18	a.	a.	NOUN
fsr-3265	355	19	(	(	PUNCT
fsr-3265	355	20	2004	2004	NUM
fsr-3265	355	21	)	)	PUNCT
fsr-3265	355	22	.	.	PUNCT
fsr-3265	356	1	for	for	ADP
fsr-3265	356	2	better	well	ADJ
fsr-3265	356	3	or	or	CCONJ
fsr-3265	356	4	for	for	ADP
fsr-3265	356	5	worse	bad	ADJ
fsr-3265	356	6	:	:	PUNCT
fsr-3265	356	7	default	default	NOUN
fsr-3265	356	8	effects	effect	NOUN
fsr-3265	356	9	and	and	CCONJ
fsr-3265	356	10	401(k	401(k	NOUN
fsr-3265	356	11	)	)	PUNCT
fsr-3265	356	12	savings	saving	NOUN
fsr-3265	356	13	behavior	behavior	NOUN
fsr-3265	356	14	.	.	PUNCT
fsr-3265	357	1	in	in	ADP
fsr-3265	357	2	:	:	PUNCT
fsr-3265	357	3	d.	d.	PROPN
fsr-3265	357	4	a.	a.	PROPN
fsr-3265	357	5	wise	wise	PROPN
fsr-3265	357	6	(	(	PUNCT
fsr-3265	357	7	ed	ed	NOUN
fsr-3265	357	8	.	.	PUNCT
fsr-3265	357	9	)	)	PUNCT
fsr-3265	358	1	,	,	PUNCT
fsr-3265	358	2	perspectives	perspective	NOUN
fsr-3265	358	3	on	on	ADP
fsr-3265	358	4	the	the	DET
fsr-3265	358	5	economics	economic	NOUN
fsr-3265	358	6	of	of	ADP
fsr-3265	358	7	aging	age	VERB
fsr-3265	358	8	(	(	PUNCT
fsr-3265	358	9	pp	pp	ADJ
fsr-3265	358	10	.	.	PUNCT
fsr-3265	358	11	81–121	81–121	NUM
fsr-3265	358	12	)	)	PUNCT
fsr-3265	358	13	.	.	PUNCT
fsr-3265	359	1	chicago	chicago	PROPN
fsr-3265	359	2	,	,	PUNCT
fsr-3265	359	3	il	il	PROPN
fsr-3265	359	4	:	:	PUNCT
fsr-3265	359	5	university	university	PROPN
fsr-3265	359	6	of	of	ADP
fsr-3265	359	7	chicago	chicago	PROPN
fsr-3265	359	8	press	press	NOUN
fsr-3265	359	9	.	.	PUNCT
fsr-3265	360	1	choi	choi	PROPN
fsr-3265	360	2	,	,	PUNCT
fsr-3265	360	3	j.	j.	PROPN
fsr-3265	360	4	j.	j.	PROPN
fsr-3265	360	5	,	,	PUNCT
fsr-3265	360	6	laibson	laibson	PROPN
fsr-3265	360	7	,	,	PUNCT
fsr-3265	360	8	d.	d.	PROPN
fsr-3265	360	9	,	,	PUNCT
fsr-3265	360	10	madrian	madrian	PROPN
fsr-3265	360	11	,	,	PUNCT
fsr-3265	360	12	b.	b.	PROPN
fsr-3265	360	13	c.	c.	PROPN
fsr-3265	360	14	,	,	PUNCT
fsr-3265	360	15	&	&	CCONJ
fsr-3265	360	16	metrick	metrick	ADJ
fsr-3265	360	17	,	,	PUNCT
fsr-3265	360	18	a.	a.	NOUN
fsr-3265	360	19	(	(	PUNCT
fsr-3265	360	20	2006	2006	NUM
fsr-3265	360	21	)	)	PUNCT
fsr-3265	360	22	.	.	PUNCT
fsr-3265	361	1	saving	save	VERB
fsr-3265	361	2	for	for	ADP
fsr-3265	361	3	retirement	retirement	NOUN
fsr-3265	361	4	on	on	ADP
fsr-3265	361	5	the	the	DET
fsr-3265	361	6	path	path	NOUN
fsr-3265	361	7	of	of	ADP
fsr-3265	361	8	least	least	ADJ
fsr-3265	361	9	resistance	resistance	NOUN
fsr-3265	361	10	.	.	PUNCT
fsr-3265	362	1	in	in	ADP
fsr-3265	362	2	:	:	PUNCT
fsr-3265	362	3	e.	e.	PROPN
fsr-3265	362	4	j.	j.	PROPN
fsr-3265	362	5	mccaffrey	mccaffrey	PROPN
fsr-3265	362	6	&	&	CCONJ
fsr-3265	362	7	j.	j.	PROPN
fsr-3265	362	8	slemrod	slemrod	PROPN
fsr-3265	362	9	(	(	PUNCT
fsr-3265	362	10	eds	ed	NOUN
fsr-3265	362	11	.	.	PUNCT
fsr-3265	362	12	)	)	PUNCT
fsr-3265	362	13	,	,	PUNCT
fsr-3265	362	14	behavioral	behavioral	ADJ
fsr-3265	362	15	public	public	ADJ
fsr-3265	362	16	finance	finance	NOUN
fsr-3265	362	17	:	:	PUNCT
fsr-3265	362	18	toward	toward	ADP
fsr-3265	362	19	a	a	DET
fsr-3265	362	20	new	new	ADJ
fsr-3265	362	21	agenda	agenda	NOUN
fsr-3265	362	22	(	(	PUNCT
fsr-3265	362	23	pp	pp	ADJ
fsr-3265	362	24	.	.	PUNCT
fsr-3265	363	1	304–351	304–351	NUM
fsr-3265	363	2	)	)	PUNCT
fsr-3265	363	3	.	.	PUNCT
fsr-3265	364	1	new	new	PROPN
fsr-3265	364	2	york	york	PROPN
fsr-3265	364	3	,	,	PUNCT
fsr-3265	364	4	ny	ny	PROPN
fsr-3265	364	5	:	:	PUNCT
fsr-3265	364	6	russell	russell	PROPN
fsr-3265	364	7	sage	sage	PROPN
fsr-3265	364	8	foundation	foundation	PROPN
fsr-3265	364	9	.	.	PUNCT
fsr-3265	365	1	christelis	christelis	PROPN
fsr-3265	365	2	,	,	PUNCT
fsr-3265	365	3	d.	d.	PROPN
fsr-3265	365	4	,	,	PUNCT
fsr-3265	365	5	jappelli	jappelli	PROPN
fsr-3265	365	6	,	,	PUNCT
fsr-3265	365	7	t.	t.	PROPN
fsr-3265	365	8	,	,	PUNCT
fsr-3265	365	9	&	&	CCONJ
fsr-3265	365	10	padula	padula	NOUN
fsr-3265	365	11	,	,	PUNCT
fsr-3265	365	12	m.	m.	NOUN
fsr-3265	365	13	(	(	PUNCT
fsr-3265	365	14	2010	2010	NUM
fsr-3265	365	15	)	)	PUNCT
fsr-3265	365	16	.	.	PUNCT
fsr-3265	366	1	cognitive	cognitive	ADJ
fsr-3265	366	2	abilities	ability	NOUN
fsr-3265	366	3	and	and	CCONJ
fsr-3265	366	4	portfolio	portfolio	NOUN
fsr-3265	366	5	choice	choice	NOUN
fsr-3265	366	6	.	.	PUNCT
fsr-3265	367	1	european	european	ADJ
fsr-3265	367	2	economic	economic	PROPN
fsr-3265	367	3	review	review	PROPN
fsr-3265	367	4	,	,	PUNCT
fsr-3265	367	5	54	54	NUM
fsr-3265	367	6	,	,	PUNCT
fsr-3265	367	7	18–38	18–38	NUM
fsr-3265	367	8	.	.	PUNCT
fsr-3265	368	1	chung	chung	PROPN
fsr-3265	368	2	,	,	PUNCT
fsr-3265	368	3	y.	y.	PROPN
fsr-3265	368	4	,	,	PUNCT
fsr-3265	368	5	&	&	CCONJ
fsr-3265	368	6	jackson	jackson	PROPN
fsr-3265	368	7	,	,	PUNCT
fsr-3265	368	8	s.	s.	PROPN
fsr-3265	368	9	e.	e.	PROPN
fsr-3265	368	10	(	(	PUNCT
fsr-3265	368	11	2011	2011	NUM
fsr-3265	368	12	)	)	PUNCT
fsr-3265	368	13	.	.	PUNCT
fsr-3265	369	1	coworker	coworker	NOUN
fsr-3265	369	2	trust	trust	PROPN
fsr-3265	369	3	and	and	CCONJ
fsr-3265	369	4	knowledge	knowledge	NOUN
fsr-3265	369	5	creation	creation	NOUN
fsr-3265	369	6	:	:	PUNCT
fsr-3265	369	7	a	a	DET
fsr-3265	369	8	multilevel	multilevel	ADJ
fsr-3265	369	9	analysis	analysis	NOUN
fsr-3265	369	10	.	.	PUNCT
fsr-3265	370	1	journal	journal	PROPN
fsr-3265	370	2	of	of	ADP
fsr-3265	370	3	trust	trust	PROPN
fsr-3265	370	4	research	research	NOUN
fsr-3265	370	5	,	,	PUNCT
fsr-3265	370	6	1	1	NUM
fsr-3265	370	7	,	,	PUNCT
fsr-3265	370	8	65–83	65–83	PROPN
fsr-3265	370	9	.	.	PUNCT
fsr-3265	371	1	chung	chung	PROPN
fsr-3265	371	2	,	,	PUNCT
fsr-3265	371	3	y.	y.	PROPN
fsr-3265	371	4	,	,	PUNCT
fsr-3265	371	5	&	&	CCONJ
fsr-3265	371	6	jackson	jackson	PROPN
fsr-3265	371	7	,	,	PUNCT
fsr-3265	371	8	s.	s.	PROPN
fsr-3265	371	9	e.	e.	PROPN
fsr-3265	371	10	(	(	PUNCT
fsr-3265	371	11	2013	2013	NUM
fsr-3265	371	12	)	)	PUNCT
fsr-3265	371	13	.	.	PUNCT
fsr-3265	372	1	the	the	DET
fsr-3265	372	2	internal	internal	ADJ
fsr-3265	372	3	and	and	CCONJ
fsr-3265	372	4	external	external	ADJ
fsr-3265	372	5	networks	network	NOUN
fsr-3265	372	6	of	of	ADP
fsr-3265	372	7	knowledge	knowledge	NOUN
fsr-3265	372	8	-	-	PUNCT
fsr-3265	372	9	intensive	intensive	ADJ
fsr-3265	372	10	teams	team	NOUN
fsr-3265	372	11	:	:	PUNCT
fsr-3265	372	12	the	the	DET
fsr-3265	372	13	role	role	NOUN
fsr-3265	372	14	of	of	ADP
fsr-3265	372	15	task	task	NOUN
fsr-3265	372	16	routineness	routineness	NOUN
fsr-3265	372	17	.	.	PUNCT
fsr-3265	373	1	journal	journal	NOUN
fsr-3265	373	2	of	of	ADP
fsr-3265	373	3	management	management	NOUN
fsr-3265	373	4	,	,	PUNCT
fsr-3265	373	5	39	39	NUM
fsr-3265	373	6	,	,	PUNCT
fsr-3265	373	7	442–468	442–468	NUM
fsr-3265	373	8	.	.	PUNCT
fsr-3265	374	1	4	4	NUM
fsr-3265	374	2	collins	collin	NOUN
fsr-3265	374	3	,	,	PUNCT
fsr-3265	374	4	j.	j.	PROPN
fsr-3265	374	5	(	(	PUNCT
fsr-3265	374	6	2012	2012	NUM
fsr-3265	374	7	)	)	PUNCT
fsr-3265	374	8	.	.	PUNCT
fsr-3265	375	1	financial	financial	ADJ
fsr-3265	375	2	advice	advice	NOUN
fsr-3265	375	3	:	:	PUNCT
fsr-3265	375	4	a	a	DET
fsr-3265	375	5	substitute	substitute	NOUN
fsr-3265	375	6	for	for	ADP
fsr-3265	375	7	financial	financial	ADJ
fsr-3265	375	8	literacy	literacy	NOUN
fsr-3265	375	9	?	?	PUNCT
fsr-3265	376	1	financial	financial	ADJ
fsr-3265	376	2	services	service	NOUN
fsr-3265	376	3	review	review	PROPN
fsr-3265	376	4	,	,	PUNCT
fsr-3265	376	5	21	21	NUM
fsr-3265	376	6	,	,	PUNCT
fsr-3265	376	7	307–322	307–322	NUM
fsr-3265	376	8	.	.	PUNCT
fsr-3265	377	1	delavande	delavande	PROPN
fsr-3265	377	2	,	,	PUNCT
fsr-3265	377	3	a.	a.	NOUN
fsr-3265	377	4	,	,	PUNCT
fsr-3265	377	5	rohwedder	rohwedder	NOUN
fsr-3265	377	6	,	,	PUNCT
fsr-3265	377	7	s.	s.	PROPN
fsr-3265	377	8	,	,	PUNCT
fsr-3265	377	9	&	&	CCONJ
fsr-3265	377	10	willis	willis	PROPN
fsr-3265	377	11	,	,	PUNCT
fsr-3265	377	12	r.	r.	PROPN
fsr-3265	377	13	(	(	PUNCT
fsr-3265	377	14	2008	2008	NUM
fsr-3265	377	15	)	)	PUNCT
fsr-3265	377	16	.	.	PUNCT
fsr-3265	378	1	preparation	preparation	NOUN
fsr-3265	378	2	for	for	ADP
fsr-3265	378	3	retirement	retirement	NOUN
fsr-3265	378	4	,	,	PUNCT
fsr-3265	378	5	financial	financial	ADJ
fsr-3265	378	6	literacy	literacy	NOUN
fsr-3265	378	7	and	and	CCONJ
fsr-3265	378	8	cognitive	cognitive	ADJ
fsr-3265	378	9	resources	resource	NOUN
fsr-3265	378	10	.	.	PUNCT
fsr-3265	379	1	michigan	michigan	PROPN
fsr-3265	379	2	retirement	retirement	PROPN
fsr-3265	379	3	research	research	PROPN
fsr-3265	379	4	center	center	PROPN
fsr-3265	379	5	working	working	NOUN
fsr-3265	379	6	paper	paper	NOUN
fsr-3265	379	7	,	,	PUNCT
fsr-3265	379	8	wp2008	wp2008	NOUN
fsr-3265	379	9	-	-	PUNCT
fsr-3265	379	10	190	190	NUM
fsr-3265	379	11	.	.	PUNCT
fsr-3265	380	1	duflo	duflo	PROPN
fsr-3265	380	2	,	,	PUNCT
fsr-3265	380	3	e.	e.	PROPN
fsr-3265	380	4	,	,	PUNCT
fsr-3265	380	5	&	&	CCONJ
fsr-3265	380	6	saez	saez	PROPN
fsr-3265	380	7	,	,	PUNCT
fsr-3265	380	8	e.	e.	PROPN
fsr-3265	380	9	(	(	PUNCT
fsr-3265	380	10	2002	2002	NUM
fsr-3265	380	11	)	)	PUNCT
fsr-3265	380	12	.	.	PUNCT
fsr-3265	381	1	participation	participation	NOUN
fsr-3265	381	2	and	and	CCONJ
fsr-3265	381	3	investment	investment	NOUN
fsr-3265	381	4	decisions	decision	NOUN
fsr-3265	381	5	in	in	ADP
fsr-3265	381	6	a	a	DET
fsr-3265	381	7	retirement	retirement	NOUN
fsr-3265	381	8	plan	plan	NOUN
fsr-3265	381	9	:	:	PUNCT
fsr-3265	381	10	the	the	DET
fsr-3265	381	11	influence	influence	NOUN
fsr-3265	381	12	of	of	ADP
fsr-3265	381	13	colleagues	colleague	NOUN
fsr-3265	381	14	’	'	PUNCT
fsr-3265	381	15	choices	choice	NOUN
fsr-3265	381	16	.	.	PUNCT
fsr-3265	382	1	journal	journal	NOUN
fsr-3265	382	2	of	of	ADP
fsr-3265	382	3	public	public	ADJ
fsr-3265	382	4	economics	economic	NOUN
fsr-3265	382	5	,	,	PUNCT
fsr-3265	382	6	85	85	NUM
fsr-3265	382	7	,	,	PUNCT
fsr-3265	382	8	121–148	121–148	NUM
fsr-3265	382	9	.	.	PUNCT
fsr-3265	383	1	duflo	duflo	PROPN
fsr-3265	383	2	,	,	PUNCT
fsr-3265	383	3	e.	e.	PROPN
fsr-3265	383	4	,	,	PUNCT
fsr-3265	383	5	&	&	CCONJ
fsr-3265	383	6	saez	saez	PROPN
fsr-3265	383	7	,	,	PUNCT
fsr-3265	383	8	e.	e.	PROPN
fsr-3265	383	9	(	(	PUNCT
fsr-3265	383	10	2003	2003	NUM
fsr-3265	383	11	)	)	PUNCT
fsr-3265	383	12	.	.	PUNCT
fsr-3265	384	1	the	the	DET
fsr-3265	384	2	role	role	NOUN
fsr-3265	384	3	of	of	ADP
fsr-3265	384	4	information	information	NOUN
fsr-3265	384	5	and	and	CCONJ
fsr-3265	384	6	social	social	ADJ
fsr-3265	384	7	interactions	interaction	NOUN
fsr-3265	384	8	in	in	ADP
fsr-3265	384	9	retirement	retirement	NOUN
fsr-3265	384	10	plan	plan	NOUN
fsr-3265	384	11	decisions	decision	NOUN
fsr-3265	384	12	:	:	PUNCT
fsr-3265	384	13	evidence	evidence	NOUN
fsr-3265	384	14	from	from	ADP
fsr-3265	384	15	a	a	DET
fsr-3265	384	16	randomized	randomized	ADJ
fsr-3265	384	17	experiment	experiment	NOUN
fsr-3265	384	18	.	.	PUNCT
fsr-3265	385	1	quarterly	quarterly	ADJ
fsr-3265	385	2	journal	journal	NOUN
fsr-3265	385	3	of	of	ADP
fsr-3265	385	4	economics	economic	NOUN
fsr-3265	385	5	,	,	PUNCT
fsr-3265	385	6	118	118	NUM
fsr-3265	385	7	,	,	PUNCT
fsr-3265	385	8	815–842	815–842	NUM
fsr-3265	385	9	.	.	PUNCT
fsr-3265	386	1	ellison	ellison	PROPN
fsr-3265	386	2	,	,	PUNCT
fsr-3265	386	3	g.	g.	PROPN
fsr-3265	386	4	,	,	PUNCT
fsr-3265	386	5	&	&	CCONJ
fsr-3265	386	6	fudenberg	fudenberg	PROPN
fsr-3265	386	7	,	,	PUNCT
fsr-3265	386	8	d.	d.	PROPN
fsr-3265	386	9	(	(	PUNCT
fsr-3265	386	10	1993	1993	NUM
fsr-3265	386	11	)	)	PUNCT
fsr-3265	386	12	.	.	PUNCT
fsr-3265	387	1	rules	rule	NOUN
fsr-3265	387	2	of	of	ADP
fsr-3265	387	3	thumb	thumb	NOUN
fsr-3265	387	4	for	for	ADP
fsr-3265	387	5	social	social	ADJ
fsr-3265	387	6	learning	learning	NOUN
fsr-3265	387	7	.	.	PUNCT
fsr-3265	388	1	journal	journal	NOUN
fsr-3265	388	2	of	of	ADP
fsr-3265	388	3	political	political	ADJ
fsr-3265	388	4	economy	economy	NOUN
fsr-3265	388	5	,	,	PUNCT
fsr-3265	388	6	101	101	NUM
fsr-3265	388	7	,	,	PUNCT
fsr-3265	388	8	93–126	93–126	PROPN
fsr-3265	388	9	.	.	PUNCT
fsr-3265	388	10	ellison	ellison	PROPN
fsr-3265	388	11	,	,	PUNCT
fsr-3265	388	12	g.	g.	PROPN
fsr-3265	388	13	,	,	PUNCT
fsr-3265	388	14	&	&	CCONJ
fsr-3265	388	15	fudenberg	fudenberg	PROPN
fsr-3265	388	16	,	,	PUNCT
fsr-3265	388	17	d.	d.	PROPN
fsr-3265	388	18	(	(	PUNCT
fsr-3265	388	19	1995	1995	NUM
fsr-3265	388	20	)	)	PUNCT
fsr-3265	388	21	.	.	PUNCT
fsr-3265	389	1	word	word	NOUN
fsr-3265	389	2	of	of	ADP
fsr-3265	389	3	mouth	mouth	NOUN
fsr-3265	389	4	communication	communication	NOUN
fsr-3265	389	5	and	and	CCONJ
fsr-3265	389	6	social	social	ADJ
fsr-3265	389	7	learning	learning	NOUN
fsr-3265	389	8	.	.	PUNCT
fsr-3265	390	1	quarterly	quarterly	ADJ
fsr-3265	390	2	journal	journal	NOUN
fsr-3265	390	3	of	of	ADP
fsr-3265	390	4	economics	economic	NOUN
fsr-3265	390	5	,	,	PUNCT
fsr-3265	390	6	110	110	NUM
fsr-3265	390	7	,	,	PUNCT
fsr-3265	390	8	93–125	93–125	NUM
fsr-3265	390	9	.	.	PUNCT
fsr-3265	391	1	fernandes	fernandes	PROPN
fsr-3265	391	2	,	,	PUNCT
fsr-3265	391	3	d.	d.	PROPN
fsr-3265	391	4	,	,	PUNCT
fsr-3265	391	5	lynch	lynch	PROPN
fsr-3265	391	6	,	,	PUNCT
fsr-3265	391	7	j.	j.	PROPN
fsr-3265	391	8	g.	g.	PROPN
fsr-3265	391	9	,	,	PUNCT
fsr-3265	391	10	&	&	CCONJ
fsr-3265	391	11	netemeyer	netemeyer	PROPN
fsr-3265	391	12	,	,	PUNCT
fsr-3265	391	13	r.	r.	PROPN
fsr-3265	391	14	g.	g.	PROPN
fsr-3265	391	15	(	(	PUNCT
fsr-3265	391	16	2014	2014	NUM
fsr-3265	391	17	)	)	PUNCT
fsr-3265	391	18	.	.	PUNCT
fsr-3265	392	1	financial	financial	ADJ
fsr-3265	392	2	literacy	literacy	NOUN
fsr-3265	392	3	,	,	PUNCT
fsr-3265	392	4	financial	financial	ADJ
fsr-3265	392	5	education	education	NOUN
fsr-3265	392	6	,	,	PUNCT
fsr-3265	392	7	and	and	CCONJ
fsr-3265	392	8	downstream	downstream	ADJ
fsr-3265	392	9	financial	financial	ADJ
fsr-3265	392	10	behaviors	behavior	NOUN
fsr-3265	392	11	.	.	PUNCT
fsr-3265	393	1	management	management	NOUN
fsr-3265	393	2	science	science	NOUN
fsr-3265	393	3	,	,	PUNCT
fsr-3265	393	4	60	60	NUM
fsr-3265	393	5	,	,	PUNCT
fsr-3265	393	6	1861–1883	1861–1883	NUM
fsr-3265	393	7	.	.	PUNCT
fsr-3265	394	1	forgas	forgas	NOUN
fsr-3265	394	2	,	,	PUNCT
fsr-3265	394	3	j.	j.	PROPN
fsr-3265	394	4	p.	p.	PROPN
fsr-3265	394	5	(	(	PUNCT
fsr-3265	394	6	1995	1995	NUM
fsr-3265	394	7	)	)	PUNCT
fsr-3265	394	8	.	.	PUNCT
fsr-3265	395	1	mood	mood	NOUN
fsr-3265	395	2	and	and	CCONJ
fsr-3265	395	3	judgment	judgment	NOUN
fsr-3265	395	4	:	:	PUNCT
fsr-3265	395	5	the	the	DET
fsr-3265	395	6	affect	affect	NOUN
fsr-3265	395	7	infusion	infusion	NOUN
fsr-3265	395	8	model	model	NOUN
fsr-3265	395	9	(	(	PUNCT
fsr-3265	395	10	aim	aim	NOUN
fsr-3265	395	11	)	)	PUNCT
fsr-3265	395	12	.	.	PUNCT
fsr-3265	396	1	psychological	psychological	ADJ
fsr-3265	396	2	bulletin	bulletin	NOUN
fsr-3265	396	3	,	,	PUNCT
fsr-3265	396	4	117	117	NUM
fsr-3265	396	5	,	,	PUNCT
fsr-3265	396	6	39–66	39–66	NUM
fsr-3265	396	7	.	.	PUNCT
fsr-3265	397	1	gargiulo	gargiulo	NOUN
fsr-3265	397	2	,	,	PUNCT
fsr-3265	397	3	m.	m.	NOUN
fsr-3265	397	4	,	,	PUNCT
fsr-3265	397	5	ertug	ertug	PROPN
fsr-3265	397	6	,	,	PUNCT
fsr-3265	397	7	g.	g.	PROPN
fsr-3265	397	8	,	,	PUNCT
fsr-3265	397	9	&	&	CCONJ
fsr-3265	397	10	galunic	galunic	ADJ
fsr-3265	397	11	,	,	PUNCT
fsr-3265	397	12	c.	c.	NOUN
fsr-3265	397	13	(	(	PUNCT
fsr-3265	397	14	2009	2009	NUM
fsr-3265	397	15	)	)	PUNCT
fsr-3265	397	16	.	.	PUNCT
fsr-3265	398	1	the	the	DET
fsr-3265	398	2	two	two	NUM
fsr-3265	398	3	faces	face	NOUN
fsr-3265	398	4	of	of	ADP
fsr-3265	398	5	control	control	NOUN
fsr-3265	398	6	:	:	PUNCT
fsr-3265	398	7	network	network	NOUN
fsr-3265	398	8	closure	closure	NOUN
fsr-3265	398	9	and	and	CCONJ
fsr-3265	398	10	individual	individual	ADJ
fsr-3265	398	11	performance	performance	NOUN
fsr-3265	398	12	among	among	ADP
fsr-3265	398	13	knowledge	knowledge	NOUN
fsr-3265	398	14	workers	worker	NOUN
fsr-3265	398	15	.	.	PUNCT
fsr-3265	399	1	administrative	administrative	ADJ
fsr-3265	399	2	science	science	PROPN
fsr-3265	399	3	quarterly	quarterly	ADV
fsr-3265	399	4	,	,	PUNCT
fsr-3265	399	5	54	54	NUM
fsr-3265	399	6	,	,	PUNCT
fsr-3265	399	7	299–333	299–333	NUM
fsr-3265	399	8	.	.	PUNCT
fsr-3265	400	1	gibson	gibson	PROPN
fsr-3265	400	2	,	,	PUNCT
fsr-3265	400	3	r.	r.	PROPN
fsr-3265	400	4	,	,	PUNCT
fsr-3265	400	5	michayluk	michayluk	PROPN
fsr-3265	400	6	,	,	PUNCT
fsr-3265	400	7	d.	d.	PROPN
fsr-3265	400	8	,	,	PUNCT
fsr-3265	400	9	&	&	CCONJ
fsr-3265	400	10	venter	venter	PROPN
fsr-3265	400	11	,	,	PUNCT
fsr-3265	400	12	g.	g.	PROPN
fsr-3265	400	13	(	(	PUNCT
fsr-3265	400	14	2013	2013	NUM
fsr-3265	400	15	)	)	PUNCT
fsr-3265	400	16	.	.	PUNCT
fsr-3265	401	1	financial	financial	ADJ
fsr-3265	401	2	risk	risk	NOUN
fsr-3265	401	3	tolerance	tolerance	NOUN
fsr-3265	401	4	:	:	PUNCT
fsr-3265	401	5	an	an	DET
fsr-3265	401	6	analysis	analysis	NOUN
fsr-3265	401	7	of	of	ADP
fsr-3265	401	8	unexplored	unexplored	ADJ
fsr-3265	401	9	factors	factor	NOUN
fsr-3265	401	10	.	.	PUNCT
fsr-3265	402	1	financial	financial	ADJ
fsr-3265	402	2	services	service	NOUN
fsr-3265	402	3	review	review	PROPN
fsr-3265	402	4	,	,	PUNCT
fsr-3265	402	5	22	22	NUM
fsr-3265	402	6	,	,	PUNCT
fsr-3265	402	7	23–50	23–50	NUM
fsr-3265	402	8	.	.	PUNCT
fsr-3265	403	1	gilliam	gilliam	PROPN
fsr-3265	403	2	,	,	PUNCT
fsr-3265	403	3	j.	j.	PROPN
fsr-3265	403	4	,	,	PUNCT
fsr-3265	403	5	chatterjee	chatterjee	PROPN
fsr-3265	403	6	,	,	PUNCT
fsr-3265	403	7	s.	s.	PROPN
fsr-3265	403	8	,	,	PUNCT
fsr-3265	403	9	&	&	CCONJ
fsr-3265	403	10	grable	grable	PROPN
fsr-3265	403	11	,	,	PUNCT
fsr-3265	403	12	j.	j.	PROPN
fsr-3265	403	13	(	(	PUNCT
fsr-3265	403	14	2010	2010	NUM
fsr-3265	403	15	)	)	PUNCT
fsr-3265	403	16	.	.	PUNCT
fsr-3265	404	1	measuring	measure	VERB
fsr-3265	404	2	the	the	DET
fsr-3265	404	3	perception	perception	NOUN
fsr-3265	404	4	of	of	ADP
fsr-3265	404	5	financial	financial	ADJ
fsr-3265	404	6	risk	risk	NOUN
fsr-3265	404	7	tolerance	tolerance	NOUN
fsr-3265	404	8	:	:	PUNCT
fsr-3265	404	9	a	a	DET
fsr-3265	404	10	tale	tale	NOUN
fsr-3265	404	11	of	of	ADP
fsr-3265	404	12	two	two	NUM
fsr-3265	404	13	measures	measure	NOUN
fsr-3265	404	14	.	.	PUNCT
fsr-3265	405	1	journal	journal	NOUN
fsr-3265	405	2	of	of	ADP
fsr-3265	405	3	financial	financial	ADJ
fsr-3265	405	4	counseling	counseling	NOUN
fsr-3265	405	5	and	and	CCONJ
fsr-3265	405	6	planning	planning	NOUN
fsr-3265	405	7	,	,	PUNCT
fsr-3265	405	8	21	21	NUM
fsr-3265	405	9	,	,	PUNCT
fsr-3265	405	10	30–43	30–43	NUM
fsr-3265	405	11	.	.	PUNCT
fsr-3265	406	1	grable	grable	PROPN
fsr-3265	406	2	,	,	PUNCT
fsr-3265	406	3	j.	j.	PROPN
fsr-3265	406	4	e.	e.	PROPN
fsr-3265	406	5	,	,	PUNCT
fsr-3265	406	6	&	&	CCONJ
fsr-3265	406	7	lytton	lytton	PROPN
fsr-3265	406	8	,	,	PUNCT
fsr-3265	406	9	r.	r.	PROPN
fsr-3265	406	10	h.	h.	PROPN
fsr-3265	406	11	(	(	PUNCT
fsr-3265	406	12	1999	1999	NUM
fsr-3265	406	13	)	)	PUNCT
fsr-3265	406	14	.	.	PUNCT
fsr-3265	407	1	financial	financial	ADJ
fsr-3265	407	2	risk	risk	NOUN
fsr-3265	407	3	tolerance	tolerance	NOUN
fsr-3265	407	4	revisited	revisit	VERB
fsr-3265	407	5	:	:	PUNCT
fsr-3265	407	6	the	the	DET
fsr-3265	407	7	development	development	NOUN
fsr-3265	407	8	of	of	ADP
fsr-3265	407	9	a	a	DET
fsr-3265	407	10	risk	risk	NOUN
fsr-3265	407	11	assessment	assessment	NOUN
fsr-3265	407	12	instrument	instrument	NOUN
fsr-3265	407	13	.	.	PUNCT
fsr-3265	408	1	financial	financial	ADJ
fsr-3265	408	2	services	service	NOUN
fsr-3265	408	3	review	review	NOUN
fsr-3265	408	4	,	,	PUNCT
fsr-3265	408	5	8	8	NUM
fsr-3265	408	6	,	,	PUNCT
fsr-3265	408	7	163–181	163–181	NUM
fsr-3265	408	8	.	.	PUNCT
fsr-3265	409	1	grable	grable	PROPN
fsr-3265	409	2	,	,	PUNCT
fsr-3265	409	3	j.	j.	PROPN
fsr-3265	409	4	e.	e.	PROPN
fsr-3265	409	5	,	,	PUNCT
fsr-3265	409	6	&	&	CCONJ
fsr-3265	409	7	lytton	lytton	PROPN
fsr-3265	409	8	,	,	PUNCT
fsr-3265	409	9	r.	r.	PROPN
fsr-3265	409	10	h.	h.	PROPN
fsr-3265	409	11	(	(	PUNCT
fsr-3265	409	12	2003	2003	NUM
fsr-3265	409	13	)	)	PUNCT
fsr-3265	409	14	.	.	PUNCT
fsr-3265	410	1	the	the	DET
fsr-3265	410	2	development	development	NOUN
fsr-3265	410	3	of	of	ADP
fsr-3265	410	4	a	a	DET
fsr-3265	410	5	risk	risk	NOUN
fsr-3265	410	6	assessment	assessment	NOUN
fsr-3265	410	7	instrument	instrument	NOUN
fsr-3265	410	8	:	:	PUNCT
fsr-3265	410	9	a	a	DET
fsr-3265	410	10	follow	follow	VERB
fsr-3265	410	11	-	-	PUNCT
fsr-3265	410	12	up	up	ADP
fsr-3265	410	13	study	study	NOUN
fsr-3265	410	14	.	.	PUNCT
fsr-3265	411	1	financial	financial	ADJ
fsr-3265	411	2	services	service	NOUN
fsr-3265	411	3	review	review	PROPN
fsr-3265	411	4	,	,	PUNCT
fsr-3265	411	5	12	12	NUM
fsr-3265	411	6	,	,	PUNCT
fsr-3265	411	7	257–274	257–274	NUM
fsr-3265	411	8	.	.	PUNCT
fsr-3265	412	1	grable	grable	PROPN
fsr-3265	412	2	,	,	PUNCT
fsr-3265	412	3	j.	j.	PROPN
fsr-3265	412	4	,	,	PUNCT
fsr-3265	412	5	lytton	lytton	PROPN
fsr-3265	412	6	,	,	PUNCT
fsr-3265	412	7	r.	r.	PROPN
fsr-3265	412	8	,	,	PUNCT
fsr-3265	412	9	&	&	CCONJ
fsr-3265	412	10	o’neill	o’neill	PROPN
fsr-3265	412	11	,	,	PUNCT
fsr-3265	412	12	b.	b.	PROPN
fsr-3265	412	13	(	(	PUNCT
fsr-3265	412	14	2004	2004	NUM
fsr-3265	412	15	)	)	PUNCT
fsr-3265	412	16	.	.	PUNCT
fsr-3265	413	1	projection	projection	NOUN
fsr-3265	413	2	bias	bias	NOUN
fsr-3265	413	3	and	and	CCONJ
fsr-3265	413	4	financial	financial	ADJ
fsr-3265	413	5	risk	risk	NOUN
fsr-3265	413	6	tolerance	tolerance	NOUN
fsr-3265	413	7	.	.	PUNCT
fsr-3265	414	1	journal	journal	NOUN
fsr-3265	414	2	of	of	ADP
fsr-3265	414	3	behavioral	behavioral	ADJ
fsr-3265	414	4	finance	finance	NOUN
fsr-3265	414	5	,	,	PUNCT
fsr-3265	414	6	5	5	NUM
fsr-3265	414	7	,	,	PUNCT
fsr-3265	414	8	142–147	142–147	NUM
fsr-3265	414	9	.	.	PUNCT
fsr-3265	415	1	guiso	guiso	PROPN
fsr-3265	415	2	,	,	PUNCT
fsr-3265	415	3	l.	l.	PROPN
fsr-3265	415	4	,	,	PUNCT
fsr-3265	415	5	sapienza	sapienza	PROPN
fsr-3265	415	6	,	,	PUNCT
fsr-3265	415	7	p.	p.	NOUN
fsr-3265	415	8	,	,	PUNCT
fsr-3265	415	9	&	&	CCONJ
fsr-3265	415	10	zingales	zingales	PROPN
fsr-3265	415	11	,	,	PUNCT
fsr-3265	415	12	l.	l.	PROPN
fsr-3265	415	13	(	(	PUNCT
fsr-3265	415	14	2008	2008	NUM
fsr-3265	415	15	)	)	PUNCT
fsr-3265	415	16	.	.	PUNCT
fsr-3265	416	1	trusting	trust	VERB
fsr-3265	416	2	the	the	DET
fsr-3265	416	3	stock	stock	NOUN
fsr-3265	416	4	market	market	NOUN
fsr-3265	416	5	.	.	PUNCT
fsr-3265	417	1	journal	journal	PROPN
fsr-3265	417	2	of	of	ADP
fsr-3265	417	3	finance	finance	NOUN
fsr-3265	417	4	,	,	PUNCT
fsr-3265	417	5	63	63	NUM
fsr-3265	417	6	,	,	PUNCT
fsr-3265	417	7	2557–2600	2557–2600	NUM
fsr-3265	417	8	.	.	PUNCT
fsr-3265	417	9	haliassos	haliassos	PROPN
fsr-3265	417	10	,	,	PUNCT
fsr-3265	417	11	m.	m.	NOUN
fsr-3265	417	12	,	,	PUNCT
fsr-3265	417	13	&	&	CCONJ
fsr-3265	417	14	bertaut	bertaut	PROPN
fsr-3265	417	15	,	,	PUNCT
fsr-3265	417	16	c.	c.	PROPN
fsr-3265	417	17	(	(	PUNCT
fsr-3265	417	18	1995	1995	NUM
fsr-3265	417	19	)	)	PUNCT
fsr-3265	417	20	.	.	PUNCT
fsr-3265	418	1	why	why	SCONJ
fsr-3265	418	2	do	do	AUX
fsr-3265	418	3	so	so	ADV
fsr-3265	418	4	few	few	ADJ
fsr-3265	418	5	hold	hold	VERB
fsr-3265	418	6	stocks	stock	NOUN
fsr-3265	418	7	?	?	PUNCT
fsr-3265	419	1	economic	economic	ADJ
fsr-3265	419	2	journal	journal	NOUN
fsr-3265	419	3	,	,	PUNCT
fsr-3265	419	4	105	105	NUM
fsr-3265	419	5	,	,	PUNCT
fsr-3265	419	6	1110–1129	1110–1129	NUM
fsr-3265	419	7	.	.	PUNCT
fsr-3265	420	1	hansen	hansen	PROPN
fsr-3265	420	2	,	,	PUNCT
fsr-3265	420	3	m.	m.	NOUN
fsr-3265	420	4	,	,	PUNCT
fsr-3265	420	5	podolny	podolny	NOUN
fsr-3265	420	6	,	,	PUNCT
fsr-3265	420	7	j.	j.	PROPN
fsr-3265	420	8	m.	m.	PROPN
fsr-3265	420	9	,	,	PUNCT
fsr-3265	420	10	&	&	CCONJ
fsr-3265	420	11	pfeffer	pfeffer	PROPN
fsr-3265	420	12	,	,	PUNCT
fsr-3265	420	13	j.	j.	PROPN
fsr-3265	420	14	(	(	PUNCT
fsr-3265	420	15	2001	2001	NUM
fsr-3265	420	16	)	)	PUNCT
fsr-3265	420	17	.	.	PUNCT
fsr-3265	421	1	so	so	ADV
fsr-3265	421	2	many	many	ADJ
fsr-3265	421	3	ties	tie	NOUN
fsr-3265	421	4	,	,	PUNCT
fsr-3265	421	5	so	so	ADV
fsr-3265	421	6	little	little	ADJ
fsr-3265	421	7	time	time	NOUN
fsr-3265	421	8	:	:	PUNCT
fsr-3265	421	9	a	a	DET
fsr-3265	421	10	task	task	NOUN
fsr-3265	421	11	contingency	contingency	NOUN
fsr-3265	421	12	perspective	perspective	NOUN
fsr-3265	421	13	on	on	ADP
fsr-3265	421	14	97y	97y	NUM
fsr-3265	421	15	.	.	PUNCT
fsr-3265	422	1	chung	chung	PROPN
fsr-3265	422	2	,	,	PUNCT
fsr-3265	422	3	y.	y.	PROPN
fsr-3265	422	4	park	park	PROPN
fsr-3265	422	5	/	/	SYM
fsr-3265	422	6	financial	financial	ADJ
fsr-3265	422	7	services	service	NOUN
fsr-3265	422	8	review	review	VERB
fsr-3265	422	9	24	24	NUM
fsr-3265	422	10	(	(	PUNCT
fsr-3265	422	11	2015	2015	NUM
fsr-3265	422	12	)	)	PUNCT
fsr-3265	423	1	77–99	77–99	NOUN
fsr-3265	423	2	the	the	DET
fsr-3265	423	3	value	value	NOUN
fsr-3265	423	4	of	of	ADP
fsr-3265	423	5	social	social	ADJ
fsr-3265	423	6	capital	capital	NOUN
fsr-3265	423	7	in	in	ADP
fsr-3265	423	8	organisations	organisation	NOUN
fsr-3265	423	9	.	.	PUNCT
fsr-3265	424	1	in	in	ADP
fsr-3265	424	2	:	:	PUNCT
fsr-3265	424	3	s.	s.	PROPN
fsr-3265	424	4	m.	m.	PROPN
fsr-3265	424	5	gabbay	gabbay	PROPN
fsr-3265	424	6	&	&	CCONJ
fsr-3265	424	7	r.	r.	PROPN
fsr-3265	424	8	th	th	PROPN
fsr-3265	424	9	.	.	PUNCT
fsr-3265	424	10	a.	a.	PROPN
fsr-3265	424	11	j.	j.	PROPN
fsr-3265	424	12	leenders	leenders	PROPN
fsr-3265	424	13	(	(	PUNCT
fsr-3265	424	14	eds	ed	NOUN
fsr-3265	424	15	.	.	PUNCT
fsr-3265	424	16	)	)	PUNCT
fsr-3265	424	17	,	,	PUNCT
fsr-3265	424	18	research	research	NOUN
fsr-3265	424	19	in	in	ADP
fsr-3265	424	20	the	the	DET
fsr-3265	424	21	sociology	sociology	NOUN
fsr-3265	424	22	of	of	ADP
fsr-3265	424	23	organizations	organization	NOUN
fsr-3265	424	24	(	(	PUNCT
fsr-3265	424	25	vol	vol	NOUN
fsr-3265	424	26	.	.	PROPN
fsr-3265	424	27	18	18	NUM
fsr-3265	424	28	,	,	PUNCT
fsr-3265	424	29	pp	pp	ADJ
fsr-3265	424	30	.	.	PUNCT
fsr-3265	425	1	21–57	21–57	NUM
fsr-3265	425	2	)	)	PUNCT
fsr-3265	425	3	.	.	PUNCT
fsr-3265	426	1	london	london	PROPN
fsr-3265	426	2	:	:	PUNCT
fsr-3265	426	3	jai	jai	PROPN
fsr-3265	426	4	press	press	PROPN
fsr-3265	426	5	.	.	PUNCT
fsr-3265	427	1	hansen	hansen	PROPN
fsr-3265	427	2	,	,	PUNCT
fsr-3265	427	3	m.	m.	NOUN
fsr-3265	427	4	t.	t.	PROPN
fsr-3265	427	5	,	,	PUNCT
fsr-3265	427	6	mors	mor	NOUN
fsr-3265	427	7	,	,	PUNCT
fsr-3265	427	8	m.	m.	NOUN
fsr-3265	427	9	l.	l.	PROPN
fsr-3265	427	10	,	,	PUNCT
fsr-3265	427	11	&	&	CCONJ
fsr-3265	427	12	lovas	lovas	PROPN
fsr-3265	427	13	,	,	PUNCT
fsr-3265	427	14	b.	b.	PROPN
fsr-3265	427	15	(	(	PUNCT
fsr-3265	427	16	2005	2005	NUM
fsr-3265	427	17	)	)	PUNCT
fsr-3265	427	18	.	.	PUNCT
fsr-3265	428	1	knowledge	knowledge	NOUN
fsr-3265	428	2	sharing	sharing	NOUN
fsr-3265	428	3	in	in	ADP
fsr-3265	428	4	organizations	organization	NOUN
fsr-3265	428	5	:	:	PUNCT
fsr-3265	428	6	multiple	multiple	ADJ
fsr-3265	428	7	networks	network	NOUN
fsr-3265	428	8	,	,	PUNCT
fsr-3265	428	9	multiple	multiple	ADJ
fsr-3265	428	10	phases	phase	NOUN
fsr-3265	428	11	.	.	PUNCT
fsr-3265	429	1	academy	academy	PROPN
fsr-3265	429	2	of	of	ADP
fsr-3265	429	3	management	management	PROPN
fsr-3265	429	4	journal	journal	NOUN
fsr-3265	429	5	,	,	PUNCT
fsr-3265	429	6	48	48	NUM
fsr-3265	429	7	,	,	PUNCT
fsr-3265	429	8	776–793	776–793	NUM
fsr-3265	429	9	.	.	PUNCT
fsr-3265	430	1	hastings	hastings	PROPN
fsr-3265	430	2	,	,	PUNCT
fsr-3265	430	3	j.	j.	PROPN
fsr-3265	430	4	s.	s.	PROPN
fsr-3265	430	5	,	,	PUNCT
fsr-3265	430	6	madrian	madrian	PROPN
fsr-3265	430	7	,	,	PUNCT
fsr-3265	430	8	b.	b.	PROPN
fsr-3265	430	9	c.	c.	PROPN
fsr-3265	430	10	,	,	PUNCT
fsr-3265	430	11	&	&	CCONJ
fsr-3265	430	12	skimmyhorn	skimmyhorn	PROPN
fsr-3265	430	13	,	,	PUNCT
fsr-3265	430	14	w.	w.	PROPN
fsr-3265	430	15	l.	l.	PROPN
fsr-3265	430	16	(	(	PUNCT
fsr-3265	430	17	2013	2013	NUM
fsr-3265	430	18	)	)	PUNCT
fsr-3265	430	19	.	.	PUNCT
fsr-3265	431	1	financial	financial	ADJ
fsr-3265	431	2	literacy	literacy	NOUN
fsr-3265	431	3	,	,	PUNCT
fsr-3265	431	4	financial	financial	ADJ
fsr-3265	431	5	education	education	NOUN
fsr-3265	431	6	,	,	PUNCT
fsr-3265	431	7	and	and	CCONJ
fsr-3265	431	8	economic	economic	ADJ
fsr-3265	431	9	outcomes	outcome	NOUN
fsr-3265	431	10	.	.	PUNCT
fsr-3265	432	1	annual	annual	ADJ
fsr-3265	432	2	review	review	NOUN
fsr-3265	432	3	of	of	ADP
fsr-3265	432	4	economics	economic	NOUN
fsr-3265	432	5	,	,	PUNCT
fsr-3265	432	6	5	5	NUM
fsr-3265	432	7	,	,	PUNCT
fsr-3265	432	8	347–373	347–373	NUM
fsr-3265	432	9	.	.	PUNCT
fsr-3265	433	1	hilgert	hilgert	PROPN
fsr-3265	433	2	,	,	PUNCT
fsr-3265	433	3	m.	m.	NOUN
fsr-3265	433	4	a.	a.	PROPN
fsr-3265	433	5	,	,	PUNCT
fsr-3265	433	6	hogarth	hogarth	NOUN
fsr-3265	433	7	,	,	PUNCT
fsr-3265	433	8	j.	j.	PROPN
fsr-3265	433	9	m.	m.	PROPN
fsr-3265	433	10	,	,	PUNCT
fsr-3265	433	11	&	&	CCONJ
fsr-3265	433	12	beverly	beverly	PROPN
fsr-3265	433	13	,	,	PUNCT
fsr-3265	433	14	s.	s.	PROPN
fsr-3265	433	15	g.	g.	PROPN
fsr-3265	433	16	(	(	PUNCT
fsr-3265	433	17	2003	2003	NUM
fsr-3265	433	18	)	)	PUNCT
fsr-3265	433	19	.	.	PUNCT
fsr-3265	434	1	household	household	NOUN
fsr-3265	434	2	financial	financial	ADJ
fsr-3265	434	3	management	management	NOUN
fsr-3265	434	4	:	:	PUNCT
fsr-3265	434	5	the	the	DET
fsr-3265	434	6	connection	connection	NOUN
fsr-3265	434	7	between	between	ADP
fsr-3265	434	8	knowledge	knowledge	NOUN
fsr-3265	434	9	and	and	CCONJ
fsr-3265	434	10	behavior	behavior	NOUN
fsr-3265	434	11	.	.	PUNCT
fsr-3265	435	1	federal	federal	PROPN
fsr-3265	435	2	reserve	reserve	PROPN
fsr-3265	435	3	bulletin	bulletin	PROPN
fsr-3265	435	4	,	,	PUNCT
fsr-3265	435	5	7	7	NUM
fsr-3265	435	6	,	,	PUNCT
fsr-3265	435	7	309–322	309–322	NUM
fsr-3265	435	8	.	.	PUNCT
fsr-3265	436	1	hong	hong	PROPN
fsr-3265	436	2	,	,	PUNCT
fsr-3265	436	3	h.	h.	PROPN
fsr-3265	436	4	,	,	PUNCT
fsr-3265	436	5	kubik	kubik	PROPN
fsr-3265	436	6	,	,	PUNCT
fsr-3265	436	7	j.	j.	PROPN
fsr-3265	436	8	d.	d.	PROPN
fsr-3265	436	9	,	,	PUNCT
fsr-3265	436	10	&	&	CCONJ
fsr-3265	436	11	stein	stein	PROPN
fsr-3265	436	12	,	,	PUNCT
fsr-3265	436	13	j.	j.	PROPN
fsr-3265	436	14	c.	c.	PROPN
fsr-3265	436	15	(	(	PUNCT
fsr-3265	436	16	2004	2004	NUM
fsr-3265	436	17	)	)	PUNCT
fsr-3265	436	18	.	.	PUNCT
fsr-3265	437	1	social	social	ADJ
fsr-3265	437	2	interaction	interaction	NOUN
fsr-3265	437	3	and	and	CCONJ
fsr-3265	437	4	stock	stock	NOUN
fsr-3265	437	5	-	-	PUNCT
fsr-3265	437	6	market	market	NOUN
fsr-3265	437	7	participation	participation	NOUN
fsr-3265	437	8	.	.	PUNCT
fsr-3265	438	1	journal	journal	NOUN
fsr-3265	438	2	of	of	ADP
fsr-3265	438	3	finance	finance	NOUN
fsr-3265	438	4	,	,	PUNCT
fsr-3265	438	5	59	59	NUM
fsr-3265	438	6	,	,	PUNCT
fsr-3265	438	7	137–163	137–163	NUM
fsr-3265	438	8	.	.	PUNCT
fsr-3265	439	1	hung	hung	PROPN
fsr-3265	439	2	,	,	PUNCT
fsr-3265	439	3	a.	a.	PROPN
fsr-3265	439	4	,	,	PUNCT
fsr-3265	439	5	parker	parker	PROPN
fsr-3265	439	6	,	,	PUNCT
fsr-3265	439	7	a.	a.	NOUN
fsr-3265	439	8	m.	m.	NOUN
fsr-3265	439	9	,	,	PUNCT
fsr-3265	439	10	&	&	CCONJ
fsr-3265	439	11	yoong	yoong	PROPN
fsr-3265	439	12	,	,	PUNCT
fsr-3265	439	13	j.	j.	PROPN
fsr-3265	439	14	(	(	PUNCT
fsr-3265	439	15	2009	2009	NUM
fsr-3265	439	16	)	)	PUNCT
fsr-3265	439	17	.	.	PUNCT
fsr-3265	440	1	defining	define	VERB
fsr-3265	440	2	and	and	CCONJ
fsr-3265	440	3	measuring	measure	VERB
fsr-3265	440	4	financial	financial	ADJ
fsr-3265	440	5	literacy	literacy	NOUN
fsr-3265	440	6	.	.	PUNCT
fsr-3265	441	1	rand	rand	NOUN
fsr-3265	441	2	labor	labor	NOUN
fsr-3265	441	3	and	and	CCONJ
fsr-3265	441	4	population	population	NOUN
fsr-3265	441	5	working	working	NOUN
fsr-3265	441	6	paper	paper	NOUN
fsr-3265	441	7	,	,	PUNCT
fsr-3265	441	8	no	no	INTJ
fsr-3265	441	9	.	.	PROPN
fsr-3265	441	10	708	708	NUM
fsr-3265	441	11	.	.	X
fsr-3265	442	1	isen	isen	PROPN
fsr-3265	442	2	,	,	PUNCT
fsr-3265	442	3	a.	a.	NOUN
fsr-3265	442	4	m.	m.	NOUN
fsr-3265	442	5	(	(	PUNCT
fsr-3265	442	6	2000	2000	NUM
fsr-3265	442	7	)	)	PUNCT
fsr-3265	442	8	.	.	PUNCT
fsr-3265	443	1	positive	positive	ADJ
fsr-3265	443	2	affect	affect	NOUN
fsr-3265	443	3	and	and	CCONJ
fsr-3265	443	4	decision	decision	NOUN
fsr-3265	443	5	making	making	NOUN
fsr-3265	443	6	.	.	PUNCT
fsr-3265	444	1	in	in	ADP
fsr-3265	444	2	:	:	PUNCT
fsr-3265	444	3	j.	j.	PROPN
fsr-3265	444	4	m.	m.	PROPN
fsr-3265	444	5	haviland	haviland	PROPN
fsr-3265	444	6	(	(	PUNCT
fsr-3265	444	7	ed	ed	NOUN
fsr-3265	444	8	.	.	PUNCT
fsr-3265	444	9	)	)	PUNCT
fsr-3265	444	10	,	,	PUNCT
fsr-3265	444	11	handbook	handbook	NOUN
fsr-3265	444	12	of	of	ADP
fsr-3265	444	13	emotions	emotion	NOUN
fsr-3265	444	14	(	(	PUNCT
fsr-3265	444	15	pp	pp	ADJ
fsr-3265	444	16	.	.	PUNCT
fsr-3265	445	1	261–277	261–277	NUM
fsr-3265	445	2	)	)	PUNCT
fsr-3265	445	3	.	.	PUNCT
fsr-3265	446	1	london	london	PROPN
fsr-3265	446	2	:	:	PUNCT
fsr-3265	446	3	guilford	guilford	PROPN
fsr-3265	446	4	press	press	PROPN
fsr-3265	446	5	.	.	PUNCT
fsr-3265	447	1	ivković	ivković	ADJ
fsr-3265	447	2	,	,	PUNCT
fsr-3265	447	3	z.	z.	PROPN
fsr-3265	447	4	,	,	PUNCT
fsr-3265	447	5	&	&	CCONJ
fsr-3265	447	6	weisbenner	weisbenner	PROPN
fsr-3265	447	7	,	,	PUNCT
fsr-3265	447	8	s.	s.	PROPN
fsr-3265	447	9	j.	j.	PROPN
fsr-3265	447	10	(	(	PUNCT
fsr-3265	447	11	2007	2007	NUM
fsr-3265	447	12	)	)	PUNCT
fsr-3265	447	13	.	.	PUNCT
fsr-3265	448	1	information	information	NOUN
fsr-3265	448	2	diffusion	diffusion	NOUN
fsr-3265	448	3	effects	effect	NOUN
fsr-3265	448	4	in	in	ADP
fsr-3265	448	5	individual	individual	ADJ
fsr-3265	448	6	investors	investor	NOUN
fsr-3265	448	7	common	common	ADJ
fsr-3265	448	8	stock	stock	NOUN
fsr-3265	448	9	purchases	purchase	NOUN
fsr-3265	448	10	:	:	PUNCT
fsr-3265	448	11	covet	covet	VERB
fsr-3265	448	12	thy	thy	PRON
fsr-3265	448	13	neighbors	neighbor	NOUN
fsr-3265	448	14	investment	investment	NOUN
fsr-3265	448	15	choices	choice	NOUN
fsr-3265	448	16	.	.	PUNCT
fsr-3265	449	1	review	review	NOUN
fsr-3265	449	2	of	of	ADP
fsr-3265	449	3	financial	financial	ADJ
fsr-3265	449	4	studies	study	NOUN
fsr-3265	449	5	,	,	PUNCT
fsr-3265	449	6	20	20	NUM
fsr-3265	449	7	,	,	PUNCT
fsr-3265	449	8	1327–1357	1327–1357	NUM
fsr-3265	449	9	.	.	PUNCT
fsr-3265	450	1	kaustia	kaustia	PROPN
fsr-3265	450	2	,	,	PUNCT
fsr-3265	450	3	m.	m.	NOUN
fsr-3265	450	4	,	,	PUNCT
fsr-3265	450	5	&	&	CCONJ
fsr-3265	450	6	knüpfer	knüpfer	PROPN
fsr-3265	450	7	,	,	PUNCT
fsr-3265	450	8	s.	s.	PROPN
fsr-3265	450	9	(	(	PUNCT
fsr-3265	450	10	2012	2012	NUM
fsr-3265	450	11	)	)	PUNCT
fsr-3265	450	12	.	.	PUNCT
fsr-3265	451	1	peer	peer	NOUN
fsr-3265	451	2	performance	performance	NOUN
fsr-3265	451	3	and	and	CCONJ
fsr-3265	451	4	stock	stock	NOUN
fsr-3265	451	5	market	market	NOUN
fsr-3265	451	6	entry	entry	NOUN
fsr-3265	451	7	.	.	PUNCT
fsr-3265	452	1	journal	journal	NOUN
fsr-3265	452	2	of	of	ADP
fsr-3265	452	3	financial	financial	ADJ
fsr-3265	452	4	economics	economic	NOUN
fsr-3265	452	5	,	,	PUNCT
fsr-3265	452	6	104	104	NUM
fsr-3265	452	7	,	,	PUNCT
fsr-3265	452	8	321–338	321–338	NUM
fsr-3265	452	9	.	.	PUNCT
fsr-3265	453	1	kiviat	kiviat	PROPN
fsr-3265	453	2	,	,	PUNCT
fsr-3265	453	3	r.	r.	PROPN
fsr-3265	453	4	,	,	PUNCT
fsr-3265	453	5	&	&	CCONJ
fsr-3265	453	6	morduch	morduch	PROPN
fsr-3265	453	7	,	,	PUNCT
fsr-3265	453	8	j.	j.	PROPN
fsr-3265	453	9	(	(	PUNCT
fsr-3265	453	10	2012	2012	NUM
fsr-3265	453	11	)	)	PUNCT
fsr-3265	453	12	.	.	PUNCT
fsr-3265	454	1	from	from	ADP
fsr-3265	454	2	financial	financial	ADJ
fsr-3265	454	3	literacy	literacy	NOUN
fsr-3265	454	4	to	to	ADP
fsr-3265	454	5	financial	financial	ADJ
fsr-3265	454	6	action	action	NOUN
fsr-3265	454	7	.	.	PUNCT
fsr-3265	455	1	working	work	VERB
fsr-3265	455	2	paper	paper	NOUN
fsr-3265	455	3	,	,	PUNCT
fsr-3265	455	4	mcgraw	mcgraw	PROPN
fsr-3265	455	5	-	-	PUNCT
fsr-3265	455	6	hill	hill	PROPN
fsr-3265	455	7	research	research	NOUN
fsr-3265	455	8	foundation	foundation	PROPN
fsr-3265	455	9	.	.	PUNCT
fsr-3265	456	1	krackhardt	krackhardt	PROPN
fsr-3265	456	2	,	,	PUNCT
fsr-3265	456	3	d.	d.	PROPN
fsr-3265	456	4	(	(	PUNCT
fsr-3265	456	5	1992	1992	NUM
fsr-3265	456	6	)	)	PUNCT
fsr-3265	456	7	.	.	PUNCT
fsr-3265	457	1	the	the	DET
fsr-3265	457	2	strength	strength	NOUN
fsr-3265	457	3	of	of	ADP
fsr-3265	457	4	strong	strong	ADJ
fsr-3265	457	5	ties	tie	NOUN
fsr-3265	457	6	:	:	PUNCT
fsr-3265	457	7	the	the	DET
fsr-3265	457	8	importance	importance	NOUN
fsr-3265	457	9	of	of	ADP
fsr-3265	457	10	philos	philo	NOUN
fsr-3265	457	11	in	in	ADP
fsr-3265	457	12	organizations	organization	NOUN
fsr-3265	457	13	.	.	PUNCT
fsr-3265	458	1	in	in	ADP
fsr-3265	458	2	:	:	PUNCT
fsr-3265	458	3	n.	n.	PROPN
fsr-3265	458	4	nohria	nohria	PROPN
fsr-3265	458	5	&	&	CCONJ
fsr-3265	458	6	r.	r.	PROPN
fsr-3265	458	7	eccles	eccles	PROPN
fsr-3265	458	8	(	(	PUNCT
fsr-3265	458	9	eds	ed	NOUN
fsr-3265	458	10	.	.	PUNCT
fsr-3265	458	11	)	)	PUNCT
fsr-3265	458	12	,	,	PUNCT
fsr-3265	458	13	networks	network	NOUN
fsr-3265	458	14	and	and	CCONJ
fsr-3265	458	15	organizations	organization	NOUN
fsr-3265	458	16	:	:	PUNCT
fsr-3265	458	17	structure	structure	NOUN
fsr-3265	458	18	,	,	PUNCT
fsr-3265	458	19	form	form	NOUN
fsr-3265	458	20	,	,	PUNCT
fsr-3265	458	21	and	and	CCONJ
fsr-3265	458	22	action	action	NOUN
fsr-3265	458	23	(	(	PUNCT
fsr-3265	458	24	pp	pp	ADJ
fsr-3265	458	25	.	.	PUNCT
fsr-3265	459	1	216–239	216–239	NUM
fsr-3265	459	2	)	)	PUNCT
fsr-3265	459	3	.	.	PUNCT
fsr-3265	460	1	boston	boston	PROPN
fsr-3265	460	2	,	,	PUNCT
fsr-3265	460	3	ma	ma	PROPN
fsr-3265	460	4	:	:	PUNCT
fsr-3265	460	5	harvard	harvard	PROPN
fsr-3265	460	6	business	business	PROPN
fsr-3265	460	7	school	school	PROPN
fsr-3265	460	8	press	press	NOUN
fsr-3265	460	9	.	.	PUNCT
fsr-3265	461	1	leith	leith	PROPN
fsr-3265	461	2	,	,	PUNCT
fsr-3265	461	3	k.	k.	PROPN
fsr-3265	461	4	p.	p.	PROPN
fsr-3265	461	5	,	,	PUNCT
fsr-3265	461	6	&	&	CCONJ
fsr-3265	461	7	baumeister	baumeister	PROPN
fsr-3265	461	8	,	,	PUNCT
fsr-3265	461	9	r.	r.	PROPN
fsr-3265	461	10	f.	f.	PROPN
fsr-3265	461	11	(	(	PUNCT
fsr-3265	461	12	1996	1996	NUM
fsr-3265	461	13	)	)	PUNCT
fsr-3265	461	14	.	.	PUNCT
fsr-3265	462	1	why	why	SCONJ
fsr-3265	462	2	do	do	AUX
fsr-3265	462	3	bad	bad	ADJ
fsr-3265	462	4	moods	mood	NOUN
fsr-3265	462	5	increase	increase	VERB
fsr-3265	462	6	self	self	NOUN
fsr-3265	462	7	-	-	PUNCT
fsr-3265	462	8	defeating	defeat	VERB
fsr-3265	462	9	behavior	behavior	NOUN
fsr-3265	462	10	?	?	PUNCT
fsr-3265	463	1	emotion	emotion	NOUN
fsr-3265	463	2	,	,	PUNCT
fsr-3265	463	3	risk	risk	NOUN
fsr-3265	463	4	-	-	PUNCT
fsr-3265	463	5	taking	taking	NOUN
fsr-3265	463	6	,	,	PUNCT
fsr-3265	463	7	and	and	CCONJ
fsr-3265	463	8	self	self	NOUN
fsr-3265	463	9	-	-	PUNCT
fsr-3265	463	10	regulation	regulation	NOUN
fsr-3265	463	11	.	.	PUNCT
fsr-3265	464	1	journal	journal	NOUN
fsr-3265	464	2	of	of	ADP
fsr-3265	464	3	personality	personality	NOUN
fsr-3265	464	4	and	and	CCONJ
fsr-3265	464	5	social	social	ADJ
fsr-3265	464	6	psychology	psychology	NOUN
fsr-3265	464	7	,	,	PUNCT
fsr-3265	464	8	71	71	NUM
fsr-3265	464	9	,	,	PUNCT
fsr-3265	464	10	1250–1267	1250–1267	NUM
fsr-3265	464	11	.	.	PUNCT
fsr-3265	465	1	loewenstein	loewenstein	PROPN
fsr-3265	465	2	,	,	PUNCT
fsr-3265	465	3	g.	g.	PROPN
fsr-3265	465	4	,	,	PUNCT
fsr-3265	465	5	weber	weber	PROPN
fsr-3265	465	6	,	,	PUNCT
fsr-3265	465	7	e.	e.	PROPN
fsr-3265	465	8	u.	u.	PROPN
fsr-3265	465	9	,	,	PUNCT
fsr-3265	465	10	hsee	hsee	PROPN
fsr-3265	465	11	,	,	PUNCT
fsr-3265	465	12	c.	c.	PROPN
fsr-3265	465	13	k.	k.	PROPN
fsr-3265	465	14	,	,	PUNCT
fsr-3265	465	15	&	&	CCONJ
fsr-3265	465	16	welch	welch	PROPN
fsr-3265	465	17	,	,	PUNCT
fsr-3265	465	18	n.	n.	PROPN
fsr-3265	465	19	(	(	PUNCT
fsr-3265	465	20	2001	2001	NUM
fsr-3265	465	21	)	)	PUNCT
fsr-3265	465	22	.	.	PUNCT
fsr-3265	466	1	risk	risk	NOUN
fsr-3265	466	2	as	as	ADP
fsr-3265	466	3	feelings	feeling	NOUN
fsr-3265	466	4	.	.	PUNCT
fsr-3265	467	1	psychological	psychological	ADJ
fsr-3265	467	2	bulletin	bulletin	NOUN
fsr-3265	467	3	,	,	PUNCT
fsr-3265	467	4	127	127	NUM
fsr-3265	467	5	,	,	PUNCT
fsr-3265	467	6	267–286	267–286	NUM
fsr-3265	467	7	.	.	PUNCT
fsr-3265	468	1	lu	lu	PROPN
fsr-3265	468	2	,	,	PUNCT
fsr-3265	468	3	t.	t.	PROPN
fsr-3265	468	4	(	(	PUNCT
fsr-3265	468	5	2011	2011	NUM
fsr-3265	468	6	)	)	PUNCT
fsr-3265	468	7	.	.	PUNCT
fsr-3265	469	1	social	social	ADJ
fsr-3265	469	2	interaction	interaction	NOUN
fsr-3265	469	3	effects	effect	NOUN
fsr-3265	469	4	and	and	CCONJ
fsr-3265	469	5	individual	individual	ADJ
fsr-3265	469	6	portfolio	portfolio	NOUN
fsr-3265	469	7	choice	choice	NOUN
fsr-3265	469	8	:	:	PUNCT
fsr-3265	469	9	evidence	evidence	NOUN
fsr-3265	469	10	from	from	ADP
fsr-3265	469	11	401(k	401(k	PROPN
fsr-3265	469	12	)	)	PUNCT
fsr-3265	469	13	pension	pension	NOUN
fsr-3265	469	14	plan	plan	NOUN
fsr-3265	469	15	investors	investor	NOUN
fsr-3265	469	16	.	.	PUNCT
fsr-3265	470	1	pension	pension	NOUN
fsr-3265	470	2	research	research	NOUN
fsr-3265	470	3	council	council	PROPN
fsr-3265	470	4	working	working	PROPN
fsr-3265	470	5	paper	paper	NOUN
fsr-3265	470	6	,	,	PUNCT
fsr-3265	470	7	prc	prc	PROPN
fsr-3265	470	8	wp2011	wp2011	PROPN
fsr-3265	470	9	-	-	PUNCT
fsr-3265	470	10	19	19	PROPN
fsr-3265	470	11	.	.	PUNCT
fsr-3265	470	12	lusardi	lusardi	PROPN
fsr-3265	470	13	,	,	PUNCT
fsr-3265	470	14	a.	a.	NOUN
fsr-3265	470	15	(	(	PUNCT
fsr-3265	470	16	2011	2011	NUM
fsr-3265	470	17	)	)	PUNCT
fsr-3265	470	18	.	.	PUNCT
fsr-3265	471	1	americans	americans	PROPN
fsr-3265	471	2	’	'	PUNCT
fsr-3265	471	3	financial	financial	ADJ
fsr-3265	471	4	capability	capability	NOUN
fsr-3265	471	5	.	.	PUNCT
fsr-3265	472	1	pension	pension	NOUN
fsr-3265	472	2	research	research	NOUN
fsr-3265	472	3	council	council	PROPN
fsr-3265	472	4	working	working	PROPN
fsr-3265	472	5	paper	paper	PROPN
fsr-3265	472	6	,	,	PUNCT
fsr-3265	472	7	prc	prc	PROPN
fsr-3265	472	8	wp201102	wp201102	PROPN
fsr-3265	472	9	.	.	PUNCT
fsr-3265	473	1	lusardi	lusardi	PROPN
fsr-3265	473	2	,	,	PUNCT
fsr-3265	473	3	a.	a.	PROPN
fsr-3265	473	4	,	,	PUNCT
fsr-3265	473	5	&	&	CCONJ
fsr-3265	473	6	mitchell	mitchell	PROPN
fsr-3265	473	7	,	,	PUNCT
fsr-3265	473	8	o.	o.	PROPN
fsr-3265	473	9	s.	s.	PROPN
fsr-3265	473	10	(	(	PUNCT
fsr-3265	473	11	2007a	2007a	NUM
fsr-3265	473	12	)	)	PUNCT
fsr-3265	473	13	.	.	PUNCT
fsr-3265	474	1	financial	financial	ADJ
fsr-3265	474	2	literacy	literacy	NOUN
fsr-3265	474	3	and	and	CCONJ
fsr-3265	474	4	retirement	retirement	NOUN
fsr-3265	474	5	planning	planning	NOUN
fsr-3265	474	6	:	:	PUNCT
fsr-3265	474	7	new	new	ADJ
fsr-3265	474	8	evidence	evidence	NOUN
fsr-3265	474	9	from	from	ADP
fsr-3265	474	10	the	the	DET
fsr-3265	474	11	rand	rand	NOUN
fsr-3265	474	12	american	american	PROPN
fsr-3265	474	13	life	life	PROPN
fsr-3265	474	14	panel	panel	PROPN
fsr-3265	474	15	.	.	PUNCT
fsr-3265	475	1	michigan	michigan	PROPN
fsr-3265	475	2	retirement	retirement	PROPN
fsr-3265	475	3	research	research	PROPN
fsr-3265	475	4	center	center	PROPN
fsr-3265	475	5	working	working	NOUN
fsr-3265	475	6	paper	paper	NOUN
fsr-3265	475	7	,	,	PUNCT
fsr-3265	475	8	wp2007	wp2007	NOUN
fsr-3265	475	9	-	-	PUNCT
fsr-3265	475	10	157	157	NUM
fsr-3265	475	11	.	.	PUNCT
fsr-3265	476	1	lusardi	lusardi	PROPN
fsr-3265	476	2	,	,	PUNCT
fsr-3265	476	3	a.	a.	PROPN
fsr-3265	476	4	,	,	PUNCT
fsr-3265	476	5	&	&	CCONJ
fsr-3265	476	6	mitchell	mitchell	PROPN
fsr-3265	476	7	,	,	PUNCT
fsr-3265	476	8	o.	o.	PROPN
fsr-3265	476	9	s.	s.	PROPN
fsr-3265	476	10	(	(	PUNCT
fsr-3265	476	11	2007b	2007b	NUM
fsr-3265	476	12	)	)	PUNCT
fsr-3265	476	13	.	.	PUNCT
fsr-3265	477	1	baby	baby	NOUN
fsr-3265	477	2	boomer	boomer	PROPN
fsr-3265	477	3	retirement	retirement	PROPN
fsr-3265	477	4	security	security	PROPN
fsr-3265	477	5	:	:	PUNCT
fsr-3265	477	6	the	the	DET
fsr-3265	477	7	roles	role	NOUN
fsr-3265	477	8	of	of	ADP
fsr-3265	477	9	planning	planning	NOUN
fsr-3265	477	10	,	,	PUNCT
fsr-3265	477	11	financial	financial	ADJ
fsr-3265	477	12	literacy	literacy	NOUN
fsr-3265	477	13	,	,	PUNCT
fsr-3265	477	14	and	and	CCONJ
fsr-3265	477	15	housing	housing	NOUN
fsr-3265	477	16	wealth	wealth	NOUN
fsr-3265	477	17	.	.	PUNCT
fsr-3265	478	1	journal	journal	PROPN
fsr-3265	478	2	of	of	ADP
fsr-3265	478	3	monetary	monetary	ADJ
fsr-3265	478	4	economics	economic	NOUN
fsr-3265	478	5	,	,	PUNCT
fsr-3265	478	6	54	54	NUM
fsr-3265	478	7	,	,	PUNCT
fsr-3265	478	8	205–224	205–224	NUM
fsr-3265	478	9	.	.	PUNCT
fsr-3265	479	1	lusardi	lusardi	PROPN
fsr-3265	479	2	,	,	PUNCT
fsr-3265	479	3	a.	a.	PROPN
fsr-3265	479	4	,	,	PUNCT
fsr-3265	479	5	&	&	CCONJ
fsr-3265	479	6	tufano	tufano	ADJ
fsr-3265	479	7	,	,	PUNCT
fsr-3265	479	8	p.	p.	NOUN
fsr-3265	479	9	(	(	PUNCT
fsr-3265	479	10	2009	2009	NUM
fsr-3265	479	11	)	)	PUNCT
fsr-3265	479	12	.	.	PUNCT
fsr-3265	480	1	debt	debt	NOUN
fsr-3265	480	2	literacy	literacy	NOUN
fsr-3265	480	3	,	,	PUNCT
fsr-3265	480	4	financial	financial	ADJ
fsr-3265	480	5	experiences	experience	NOUN
fsr-3265	480	6	,	,	PUNCT
fsr-3265	480	7	and	and	CCONJ
fsr-3265	480	8	over	over	ADP
fsr-3265	480	9	-	-	PUNCT
fsr-3265	480	10	indebtedness	indebtedness	NOUN
fsr-3265	480	11	.	.	PUNCT
fsr-3265	481	1	cambridge	cambridge	PROPN
fsr-3265	481	2	,	,	PUNCT
fsr-3265	481	3	ma	ma	PROPN
fsr-3265	481	4	:	:	PUNCT
fsr-3265	481	5	national	national	PROPN
fsr-3265	481	6	bureau	bureau	PROPN
fsr-3265	481	7	of	of	ADP
fsr-3265	481	8	economic	economic	ADJ
fsr-3265	481	9	research	research	NOUN
fsr-3265	481	10	,	,	PUNCT
fsr-3265	481	11	nber	nber	PROPN
fsr-3265	481	12	working	working	PROPN
fsr-3265	481	13	paper	paper	PROPN
fsr-3265	481	14	14808	14808	NUM
fsr-3265	481	15	.	.	PUNCT
fsr-3265	482	1	madrian	madrian	PROPN
fsr-3265	482	2	,	,	PUNCT
fsr-3265	482	3	b.	b.	PROPN
fsr-3265	482	4	c.	c.	PROPN
fsr-3265	482	5	,	,	PUNCT
fsr-3265	482	6	&	&	CCONJ
fsr-3265	482	7	shea	shea	PROPN
fsr-3265	482	8	,	,	PUNCT
fsr-3265	482	9	d.	d.	PROPN
fsr-3265	482	10	f.	f.	PROPN
fsr-3265	482	11	(	(	PUNCT
fsr-3265	482	12	2001	2001	NUM
fsr-3265	482	13	)	)	PUNCT
fsr-3265	482	14	.	.	PUNCT
fsr-3265	483	1	the	the	DET
fsr-3265	483	2	power	power	NOUN
fsr-3265	483	3	of	of	ADP
fsr-3265	483	4	suggestion	suggestion	NOUN
fsr-3265	483	5	:	:	PUNCT
fsr-3265	483	6	inertia	inertia	NOUN
fsr-3265	483	7	in	in	ADP
fsr-3265	483	8	401(k	401(k	NOUN
fsr-3265	483	9	)	)	PUNCT
fsr-3265	483	10	participation	participation	NOUN
fsr-3265	483	11	and	and	CCONJ
fsr-3265	483	12	saving	save	VERB
fsr-3265	483	13	behavior	behavior	NOUN
fsr-3265	483	14	.	.	PUNCT
fsr-3265	484	1	quarterly	quarterly	ADJ
fsr-3265	484	2	journal	journal	NOUN
fsr-3265	484	3	of	of	ADP
fsr-3265	484	4	economics	economic	NOUN
fsr-3265	484	5	,	,	PUNCT
fsr-3265	484	6	116	116	NUM
fsr-3265	484	7	,	,	PUNCT
fsr-3265	484	8	1149–1187	1149–1187	NUM
fsr-3265	484	9	.	.	PUNCT
fsr-3265	485	1	mcfadyen	mcfadyen	NOUN
fsr-3265	485	2	,	,	PUNCT
fsr-3265	485	3	m.	m.	NOUN
fsr-3265	485	4	a.	a.	PROPN
fsr-3265	485	5	,	,	PUNCT
fsr-3265	485	6	&	&	CCONJ
fsr-3265	485	7	cannella	cannella	PROPN
fsr-3265	485	8	,	,	PUNCT
fsr-3265	485	9	a.	a.	NOUN
fsr-3265	485	10	a.	a.	NOUN
fsr-3265	485	11	(	(	PUNCT
fsr-3265	485	12	2004	2004	NUM
fsr-3265	485	13	)	)	PUNCT
fsr-3265	485	14	.	.	PUNCT
fsr-3265	486	1	social	social	ADJ
fsr-3265	486	2	capital	capital	NOUN
fsr-3265	486	3	and	and	CCONJ
fsr-3265	486	4	knowledge	knowledge	NOUN
fsr-3265	486	5	creation	creation	NOUN
fsr-3265	486	6	:	:	PUNCT
fsr-3265	486	7	diminishing	diminish	VERB
fsr-3265	486	8	returns	return	NOUN
fsr-3265	486	9	of	of	ADP
fsr-3265	486	10	the	the	DET
fsr-3265	486	11	number	number	NOUN
fsr-3265	486	12	and	and	CCONJ
fsr-3265	486	13	strength	strength	NOUN
fsr-3265	486	14	of	of	ADP
fsr-3265	486	15	exchange	exchange	NOUN
fsr-3265	486	16	relationships	relationship	NOUN
fsr-3265	486	17	.	.	PUNCT
fsr-3265	487	1	academy	academy	PROPN
fsr-3265	487	2	of	of	ADP
fsr-3265	487	3	management	management	PROPN
fsr-3265	487	4	journal	journal	NOUN
fsr-3265	487	5	,	,	PUNCT
fsr-3265	487	6	47	47	NUM
fsr-3265	487	7	,	,	PUNCT
fsr-3265	487	8	735–746	735–746	NUM
fsr-3265	487	9	.	.	PUNCT
fsr-3265	488	1	moore	moore	PROPN
fsr-3265	488	2	,	,	PUNCT
fsr-3265	488	3	d.	d.	PROPN
fsr-3265	488	4	(	(	PUNCT
fsr-3265	488	5	2003	2003	NUM
fsr-3265	488	6	)	)	PUNCT
fsr-3265	488	7	.	.	PUNCT
fsr-3265	489	1	survey	survey	NOUN
fsr-3265	489	2	of	of	ADP
fsr-3265	489	3	financial	financial	ADJ
fsr-3265	489	4	literacy	literacy	NOUN
fsr-3265	489	5	in	in	ADP
fsr-3265	489	6	washington	washington	PROPN
fsr-3265	489	7	state	state	PROPN
fsr-3265	489	8	:	:	PUNCT
fsr-3265	489	9	knowledge	knowledge	NOUN
fsr-3265	489	10	,	,	PUNCT
fsr-3265	489	11	behavior	behavior	NOUN
fsr-3265	489	12	,	,	PUNCT
fsr-3265	489	13	attitudes	attitude	NOUN
fsr-3265	489	14	,	,	PUNCT
fsr-3265	489	15	and	and	CCONJ
fsr-3265	489	16	experiences	experience	NOUN
fsr-3265	489	17	,	,	PUNCT
fsr-3265	489	18	pullman	pullman	NOUN
fsr-3265	489	19	,	,	PUNCT
fsr-3265	489	20	wa	wa	PROPN
fsr-3265	489	21	:	:	PUNCT
fsr-3265	489	22	washington	washington	PROPN
fsr-3265	489	23	state	state	PROPN
fsr-3265	489	24	university	university	PROPN
fsr-3265	489	25	social	social	ADJ
fsr-3265	489	26	and	and	CCONJ
fsr-3265	489	27	economic	economic	ADJ
fsr-3265	489	28	sciences	sciences	PROPN
fsr-3265	489	29	research	research	NOUN
fsr-3265	489	30	center	center	NOUN
fsr-3265	489	31	,	,	PUNCT
fsr-3265	489	32	technical	technical	ADJ
fsr-3265	489	33	report	report	NOUN
fsr-3265	489	34	03	03	NUM
fsr-3265	489	35	-	-	SYM
fsr-3265	489	36	39	39	NUM
fsr-3265	489	37	.	.	PUNCT
fsr-3265	489	38	morningstar	morningstar	PROPN
fsr-3265	489	39	.	.	PUNCT
fsr-3265	490	1	(	(	PUNCT
fsr-3265	490	2	2012	2012	NUM
fsr-3265	490	3	)	)	PUNCT
fsr-3265	490	4	.	.	PUNCT
fsr-3265	491	1	morningstar	morningstar	PROPN
fsr-3265	491	2	lifetime	lifetime	NOUN
fsr-3265	491	3	allocation	allocation	NOUN
fsr-3265	491	4	indexes	index	NOUN
fsr-3265	491	5	—	—	PUNCT
fsr-3265	491	6	u.	u.	PROPN
fsr-3265	491	7	s.	s.	PROPN
fsr-3265	491	8	investors	investors	PROPN
fsr-3265	491	9	.	.	PUNCT
fsr-3265	492	1	chicago	chicago	PROPN
fsr-3265	492	2	,	,	PUNCT
fsr-3265	492	3	il	il	PROPN
fsr-3265	492	4	:	:	SYM
fsr-3265	492	5	morningstar	morningstar	PROPN
fsr-3265	492	6	,	,	PUNCT
fsr-3265	492	7	inc	inc	PROPN
fsr-3265	492	8	.	.	PROPN
fsr-3265	492	9	morrison	morrison	PROPN
fsr-3265	492	10	,	,	PUNCT
fsr-3265	492	11	e.	e.	PROPN
fsr-3265	492	12	w.	w.	PROPN
fsr-3265	492	13	(	(	PUNCT
fsr-3265	492	14	2002	2002	NUM
fsr-3265	492	15	)	)	PUNCT
fsr-3265	492	16	.	.	PUNCT
fsr-3265	493	1	newcomers	newcomer	NOUN
fsr-3265	493	2	’	'	PUNCT
fsr-3265	493	3	relationship	relationship	NOUN
fsr-3265	493	4	:	:	PUNCT
fsr-3265	493	5	the	the	DET
fsr-3265	493	6	role	role	NOUN
fsr-3265	493	7	of	of	ADP
fsr-3265	493	8	social	social	ADJ
fsr-3265	493	9	network	network	NOUN
fsr-3265	493	10	ties	tie	NOUN
fsr-3265	493	11	during	during	ADP
fsr-3265	493	12	socialization	socialization	NOUN
fsr-3265	493	13	.	.	PUNCT
fsr-3265	494	1	academy	academy	PROPN
fsr-3265	494	2	of	of	ADP
fsr-3265	494	3	management	management	PROPN
fsr-3265	494	4	journal	journal	NOUN
fsr-3265	494	5	,	,	PUNCT
fsr-3265	494	6	45	45	NUM
fsr-3265	494	7	,	,	PUNCT
fsr-3265	494	8	1149–1160	1149–1160	NUM
fsr-3265	494	9	.	.	PUNCT
fsr-3265	495	1	nahapiet	nahapiet	PROPN
fsr-3265	495	2	,	,	PUNCT
fsr-3265	495	3	j.	j.	PROPN
fsr-3265	495	4	,	,	PUNCT
fsr-3265	495	5	&	&	CCONJ
fsr-3265	495	6	ghoshal	ghoshal	PROPN
fsr-3265	495	7	,	,	PUNCT
fsr-3265	495	8	s.	s.	PROPN
fsr-3265	495	9	(	(	PUNCT
fsr-3265	495	10	1998	1998	NUM
fsr-3265	495	11	)	)	PUNCT
fsr-3265	495	12	.	.	PUNCT
fsr-3265	496	1	social	social	ADJ
fsr-3265	496	2	capital	capital	NOUN
fsr-3265	496	3	,	,	PUNCT
fsr-3265	496	4	intellectual	intellectual	ADJ
fsr-3265	496	5	capital	capital	NOUN
fsr-3265	496	6	,	,	PUNCT
fsr-3265	496	7	and	and	CCONJ
fsr-3265	496	8	the	the	DET
fsr-3265	496	9	organizational	organizational	ADJ
fsr-3265	496	10	advantage	advantage	NOUN
fsr-3265	496	11	.	.	PUNCT
fsr-3265	497	1	academy	academy	NOUN
fsr-3265	497	2	of	of	ADP
fsr-3265	497	3	management	management	PROPN
fsr-3265	497	4	review	review	NOUN
fsr-3265	497	5	,	,	PUNCT
fsr-3265	497	6	23	23	NUM
fsr-3265	497	7	,	,	PUNCT
fsr-3265	497	8	242–266	242–266	NUM
fsr-3265	497	9	.	.	PUNCT
fsr-3265	498	1	perry	perry	PROPN
fsr-3265	498	2	,	,	PUNCT
fsr-3265	498	3	v.	v.	PROPN
fsr-3265	498	4	g.	g.	PROPN
fsr-3265	498	5	,	,	PUNCT
fsr-3265	498	6	&	&	CCONJ
fsr-3265	498	7	morris	morris	PROPN
fsr-3265	498	8	,	,	PUNCT
fsr-3265	498	9	m.	m.	PROPN
fsr-3265	498	10	d.	d.	PROPN
fsr-3265	498	11	(	(	PUNCT
fsr-3265	498	12	2005	2005	NUM
fsr-3265	498	13	)	)	PUNCT
fsr-3265	498	14	.	.	PUNCT
fsr-3265	499	1	who	who	PRON
fsr-3265	499	2	is	be	AUX
fsr-3265	499	3	in	in	ADP
fsr-3265	499	4	control	control	NOUN
fsr-3265	499	5	?	?	PUNCT
fsr-3265	500	1	the	the	DET
fsr-3265	500	2	role	role	NOUN
fsr-3265	500	3	of	of	ADP
fsr-3265	500	4	self	self	NOUN
fsr-3265	500	5	-	-	PUNCT
fsr-3265	500	6	perception	perception	NOUN
fsr-3265	500	7	,	,	PUNCT
fsr-3265	500	8	knowledge	knowledge	NOUN
fsr-3265	500	9	,	,	PUNCT
fsr-3265	500	10	and	and	CCONJ
fsr-3265	500	11	income	income	NOUN
fsr-3265	500	12	in	in	ADP
fsr-3265	500	13	explaining	explain	VERB
fsr-3265	500	14	consumer	consumer	NOUN
fsr-3265	500	15	financial	financial	ADJ
fsr-3265	500	16	behavior	behavior	NOUN
fsr-3265	500	17	.	.	PUNCT
fsr-3265	501	1	journal	journal	PROPN
fsr-3265	501	2	of	of	ADP
fsr-3265	501	3	consumer	consumer	NOUN
fsr-3265	501	4	affairs	affair	NOUN
fsr-3265	501	5	,	,	PUNCT
fsr-3265	501	6	39	39	NUM
fsr-3265	501	7	,	,	PUNCT
fsr-3265	501	8	299–313	299–313	NUM
fsr-3265	501	9	.	.	NOUN
fsr-3265	501	10	98	98	NUM
fsr-3265	501	11	y.	y.	PROPN
fsr-3265	501	12	chung	chung	PROPN
fsr-3265	501	13	,	,	PUNCT
fsr-3265	501	14	y.	y.	PROPN
fsr-3265	501	15	park	park	PROPN
fsr-3265	501	16	/	/	SYM
fsr-3265	501	17	financial	financial	ADJ
fsr-3265	501	18	services	service	NOUN
fsr-3265	501	19	review	review	VERB
fsr-3265	501	20	24	24	NUM
fsr-3265	501	21	(	(	PUNCT
fsr-3265	501	22	2015	2015	NUM
fsr-3265	501	23	)	)	PUNCT
fsr-3265	501	24	77–99	77–99	NUM
fsr-3265	501	25	reinholt	reinholt	NOUN
fsr-3265	501	26	,	,	PUNCT
fsr-3265	501	27	m.	m.	NOUN
fsr-3265	501	28	,	,	PUNCT
fsr-3265	501	29	pedersen	pedersen	NOUN
fsr-3265	501	30	,	,	PUNCT
fsr-3265	501	31	t.	t.	PROPN
fsr-3265	501	32	,	,	PUNCT
fsr-3265	501	33	&	&	CCONJ
fsr-3265	501	34	foss	foss	PROPN
fsr-3265	501	35	,	,	PUNCT
fsr-3265	501	36	n.	n.	PROPN
fsr-3265	501	37	j.	j.	PROPN
fsr-3265	501	38	(	(	PUNCT
fsr-3265	501	39	2011	2011	NUM
fsr-3265	501	40	)	)	PUNCT
fsr-3265	501	41	.	.	PUNCT
fsr-3265	502	1	why	why	SCONJ
fsr-3265	502	2	a	a	DET
fsr-3265	502	3	central	central	ADJ
fsr-3265	502	4	network	network	NOUN
fsr-3265	502	5	position	position	NOUN
fsr-3265	502	6	is	be	AUX
fsr-3265	502	7	n’t	not	PART
fsr-3265	502	8	enough	enough	ADV
fsr-3265	502	9	:	:	PUNCT
fsr-3265	502	10	the	the	DET
fsr-3265	502	11	role	role	NOUN
fsr-3265	502	12	of	of	ADP
fsr-3265	502	13	motivation	motivation	NOUN
fsr-3265	502	14	and	and	CCONJ
fsr-3265	502	15	ability	ability	NOUN
fsr-3265	502	16	for	for	ADP
fsr-3265	502	17	knowledge	knowledge	NOUN
fsr-3265	502	18	sharing	sharing	NOUN
fsr-3265	502	19	in	in	ADP
fsr-3265	502	20	employee	employee	NOUN
fsr-3265	502	21	networks	network	NOUN
fsr-3265	502	22	.	.	PUNCT
fsr-3265	503	1	academy	academy	PROPN
fsr-3265	503	2	of	of	ADP
fsr-3265	503	3	management	management	PROPN
fsr-3265	503	4	journal	journal	NOUN
fsr-3265	503	5	,	,	PUNCT
fsr-3265	503	6	54	54	NUM
fsr-3265	503	7	,	,	PUNCT
fsr-3265	503	8	1277–1297	1277–1297	NUM
fsr-3265	503	9	.	.	PUNCT
fsr-3265	504	1	robb	robb	NOUN
fsr-3265	504	2	,	,	PUNCT
fsr-3265	504	3	c.	c.	PROPN
fsr-3265	504	4	a.	a.	PROPN
fsr-3265	504	5	,	,	PUNCT
fsr-3265	504	6	babiarz	babiarz	PROPN
fsr-3265	504	7	,	,	PUNCT
fsr-3265	504	8	p.	p.	NOUN
fsr-3265	504	9	,	,	PUNCT
fsr-3265	504	10	&	&	CCONJ
fsr-3265	504	11	woodyard	woodyard	PROPN
fsr-3265	504	12	,	,	PUNCT
fsr-3265	504	13	a.	a.	NOUN
fsr-3265	504	14	(	(	PUNCT
fsr-3265	504	15	2012	2012	NUM
fsr-3265	504	16	)	)	PUNCT
fsr-3265	504	17	.	.	PUNCT
fsr-3265	505	1	the	the	DET
fsr-3265	505	2	demand	demand	NOUN
fsr-3265	505	3	for	for	ADP
fsr-3265	505	4	financial	financial	ADJ
fsr-3265	505	5	professionals	professional	NOUN
fsr-3265	505	6	’	'	PUNCT
fsr-3265	505	7	advice	advice	NOUN
fsr-3265	505	8	:	:	PUNCT
fsr-3265	505	9	the	the	DET
fsr-3265	505	10	role	role	NOUN
fsr-3265	505	11	of	of	ADP
fsr-3265	505	12	financial	financial	ADJ
fsr-3265	505	13	knowledge	knowledge	NOUN
fsr-3265	505	14	,	,	PUNCT
fsr-3265	505	15	satisfaction	satisfaction	NOUN
fsr-3265	505	16	,	,	PUNCT
fsr-3265	505	17	and	and	CCONJ
fsr-3265	505	18	confidence	confidence	NOUN
fsr-3265	505	19	.	.	PUNCT
fsr-3265	506	1	financial	financial	ADJ
fsr-3265	506	2	services	service	NOUN
fsr-3265	506	3	review	review	PROPN
fsr-3265	506	4	,	,	PUNCT
fsr-3265	506	5	21	21	NUM
fsr-3265	506	6	,	,	PUNCT
fsr-3265	506	7	291–305	291–305	NUM
fsr-3265	506	8	.	.	PUNCT
fsr-3265	507	1	social	social	ADJ
fsr-3265	507	2	security	security	NOUN
fsr-3265	507	3	and	and	CCONJ
fsr-3265	507	4	medicare	medicare	PROPN
fsr-3265	507	5	boards	board	NOUN
fsr-3265	507	6	of	of	ADP
fsr-3265	507	7	trustees	trustee	NOUN
fsr-3265	507	8	.	.	PUNCT
fsr-3265	508	1	(	(	PUNCT
fsr-3265	508	2	2012	2012	NUM
fsr-3265	508	3	)	)	PUNCT
fsr-3265	508	4	.	.	PUNCT
fsr-3265	509	1	the	the	DET
fsr-3265	509	2	2012	2012	NUM
fsr-3265	509	3	annual	annual	ADJ
fsr-3265	509	4	report	report	NOUN
fsr-3265	509	5	of	of	ADP
fsr-3265	509	6	the	the	DET
fsr-3265	509	7	trustees	trustee	NOUN
fsr-3265	509	8	of	of	ADP
fsr-3265	509	9	the	the	DET
fsr-3265	509	10	federal	federal	ADJ
fsr-3265	509	11	old	old	ADJ
fsr-3265	509	12	-	-	PUNCT
fsr-3265	509	13	age	age	NOUN
fsr-3265	509	14	and	and	CCONJ
fsr-3265	509	15	survivor	survivor	NOUN
fsr-3265	509	16	’s	’s	PART
fsr-3265	509	17	insurance	insurance	NOUN
fsr-3265	509	18	and	and	CCONJ
fsr-3265	509	19	disability	disability	NOUN
fsr-3265	509	20	insurance	insurance	NOUN
fsr-3265	509	21	trust	trust	NOUN
fsr-3265	509	22	funds	fund	NOUN
fsr-3265	509	23	.	.	PUNCT
fsr-3265	510	1	baltimore	baltimore	PROPN
fsr-3265	510	2	,	,	PUNCT
fsr-3265	510	3	md	md	PROPN
fsr-3265	510	4	:	:	PUNCT
fsr-3265	510	5	social	social	ADJ
fsr-3265	510	6	security	security	NOUN
fsr-3265	510	7	administration	administration	NOUN
fsr-3265	510	8	.	.	PUNCT
fsr-3265	511	1	seo	seo	NOUN
fsr-3265	511	2	,	,	PUNCT
fsr-3265	511	3	m.	m.	NOUN
fsr-3265	511	4	,	,	PUNCT
fsr-3265	511	5	goldfrab	goldfrab	NOUN
fsr-3265	511	6	,	,	PUNCT
fsr-3265	511	7	b.	b.	PROPN
fsr-3265	511	8	,	,	PUNCT
fsr-3265	511	9	&	&	CCONJ
fsr-3265	511	10	barrett	barrett	PROPN
fsr-3265	511	11	,	,	PUNCT
fsr-3265	511	12	l.	l.	PROPN
fsr-3265	511	13	f.	f.	PROPN
fsr-3265	511	14	(	(	PUNCT
fsr-3265	511	15	2010	2010	NUM
fsr-3265	511	16	)	)	PUNCT
fsr-3265	511	17	.	.	PUNCT
fsr-3265	512	1	affect	affect	VERB
fsr-3265	512	2	and	and	CCONJ
fsr-3265	512	3	the	the	DET
fsr-3265	512	4	framing	frame	VERB
fsr-3265	512	5	effect	effect	NOUN
fsr-3265	512	6	within	within	ADP
fsr-3265	512	7	individuals	individual	NOUN
fsr-3265	512	8	over	over	ADP
fsr-3265	512	9	time	time	NOUN
fsr-3265	512	10	:	:	PUNCT
fsr-3265	512	11	risk	risk	NOUN
fsr-3265	512	12	taking	take	VERB
fsr-3265	512	13	in	in	ADP
fsr-3265	512	14	a	a	DET
fsr-3265	512	15	dynamic	dynamic	ADJ
fsr-3265	512	16	investment	investment	NOUN
fsr-3265	512	17	simulation	simulation	NOUN
fsr-3265	512	18	.	.	PUNCT
fsr-3265	513	1	academy	academy	PROPN
fsr-3265	513	2	of	of	ADP
fsr-3265	513	3	management	management	PROPN
fsr-3265	513	4	journal	journal	NOUN
fsr-3265	513	5	,	,	PUNCT
fsr-3265	513	6	53	53	NUM
fsr-3265	513	7	,	,	PUNCT
fsr-3265	513	8	411–431	411–431	NUM
fsr-3265	513	9	.	.	PUNCT
fsr-3265	514	1	van	van	PROPN
fsr-3265	514	2	rooij	rooij	NOUN
fsr-3265	514	3	,	,	PUNCT
fsr-3265	514	4	lusardi	lusardi	PROPN
fsr-3265	514	5	,	,	PUNCT
fsr-3265	514	6	m.	m.	NOUN
fsr-3265	514	7	,	,	PUNCT
fsr-3265	514	8	a.	a.	PROPN
fsr-3265	514	9	,	,	PUNCT
fsr-3265	514	10	&	&	CCONJ
fsr-3265	514	11	alessie	alessie	PROPN
fsr-3265	514	12	,	,	PUNCT
fsr-3265	514	13	r.	r.	PROPN
fsr-3265	514	14	(	(	PUNCT
fsr-3265	514	15	2011	2011	NUM
fsr-3265	514	16	)	)	PUNCT
fsr-3265	514	17	.	.	PUNCT
fsr-3265	515	1	financial	financial	ADJ
fsr-3265	515	2	literacy	literacy	NOUN
fsr-3265	515	3	and	and	CCONJ
fsr-3265	515	4	stock	stock	NOUN
fsr-3265	515	5	market	market	NOUN
fsr-3265	515	6	participation	participation	NOUN
fsr-3265	515	7	.	.	PUNCT
fsr-3265	516	1	journal	journal	NOUN
fsr-3265	516	2	of	of	ADP
fsr-3265	516	3	financial	financial	ADJ
fsr-3265	516	4	economics	economic	NOUN
fsr-3265	516	5	,	,	PUNCT
fsr-3265	516	6	101	101	NUM
fsr-3265	516	7	,	,	PUNCT
fsr-3265	516	8	449–472	449–472	NUM
fsr-3265	516	9	.	.	PUNCT
fsr-3265	517	1	van	van	PROPN
fsr-3265	517	2	rooij	rooij	NOUN
fsr-3265	517	3	,	,	PUNCT
fsr-3265	517	4	lusardi	lusardi	PROPN
fsr-3265	517	5	,	,	PUNCT
fsr-3265	517	6	m.	m.	NOUN
fsr-3265	517	7	,	,	PUNCT
fsr-3265	517	8	a.	a.	PROPN
fsr-3265	517	9	,	,	PUNCT
fsr-3265	517	10	&	&	CCONJ
fsr-3265	517	11	alessie	alessie	PROPN
fsr-3265	517	12	,	,	PUNCT
fsr-3265	517	13	r.	r.	PROPN
fsr-3265	517	14	(	(	PUNCT
fsr-3265	517	15	2012	2012	NUM
fsr-3265	517	16	)	)	PUNCT
fsr-3265	517	17	.	.	PUNCT
fsr-3265	518	1	financial	financial	ADJ
fsr-3265	518	2	literacy	literacy	NOUN
fsr-3265	518	3	,	,	PUNCT
fsr-3265	518	4	retirement	retirement	NOUN
fsr-3265	518	5	planning	planning	NOUN
fsr-3265	518	6	and	and	CCONJ
fsr-3265	518	7	household	household	NOUN
fsr-3265	518	8	wealth	wealth	NOUN
fsr-3265	518	9	.	.	PUNCT
fsr-3265	519	1	economic	economic	ADJ
fsr-3265	519	2	journal	journal	NOUN
fsr-3265	519	3	,	,	PUNCT
fsr-3265	519	4	122	122	NUM
fsr-3265	519	5	,	,	PUNCT
fsr-3265	519	6	449–478	449–478	NUM
fsr-3265	519	7	.	.	PUNCT
fsr-3265	520	1	vissing	visse	VERB
fsr-3265	520	2	-	-	PUNCT
fsr-3265	520	3	jørgensen	jørgensen	PROPN
fsr-3265	520	4	,	,	PUNCT
fsr-3265	520	5	a.	a.	NOUN
fsr-3265	520	6	(	(	PUNCT
fsr-3265	520	7	2003	2003	NUM
fsr-3265	520	8	)	)	PUNCT
fsr-3265	520	9	.	.	PUNCT
fsr-3265	521	1	perspectives	perspective	NOUN
fsr-3265	521	2	on	on	ADP
fsr-3265	521	3	behavioral	behavioral	ADJ
fsr-3265	521	4	finance	finance	NOUN
fsr-3265	521	5	:	:	PUNCT
fsr-3265	521	6	does	do	AUX
fsr-3265	521	7	“	"	PUNCT
fsr-3265	521	8	irrationality	irrationality	NOUN
fsr-3265	521	9	”	"	PUNCT
fsr-3265	521	10	disappear	disappear	NOUN
fsr-3265	521	11	with	with	ADP
fsr-3265	521	12	wealth	wealth	NOUN
fsr-3265	521	13	?	?	PUNCT
fsr-3265	522	1	evidence	evidence	NOUN
fsr-3265	522	2	from	from	ADP
fsr-3265	522	3	expectations	expectation	NOUN
fsr-3265	522	4	and	and	CCONJ
fsr-3265	522	5	actions	action	NOUN
fsr-3265	522	6	.	.	PUNCT
fsr-3265	523	1	cambridge	cambridge	PROPN
fsr-3265	523	2	,	,	PUNCT
fsr-3265	523	3	ma	ma	PROPN
fsr-3265	523	4	:	:	PUNCT
fsr-3265	523	5	national	national	PROPN
fsr-3265	523	6	bureau	bureau	PROPN
fsr-3265	523	7	of	of	ADP
fsr-3265	523	8	economic	economic	ADJ
fsr-3265	523	9	research	research	NOUN
fsr-3265	523	10	macroeconomics	macroeconomic	NOUN
fsr-3265	523	11	annual	annual	ADJ
fsr-3265	523	12	.	.	PUNCT
fsr-3265	524	1	wang	wang	PROPN
fsr-3265	524	2	,	,	PUNCT
fsr-3265	524	3	s.	s.	PROPN
fsr-3265	524	4	,	,	PUNCT
fsr-3265	524	5	&	&	CCONJ
fsr-3265	524	6	noe	noe	PROPN
fsr-3265	524	7	,	,	PUNCT
fsr-3265	524	8	r.	r.	PROPN
fsr-3265	524	9	a.	a.	PROPN
fsr-3265	524	10	(	(	PUNCT
fsr-3265	524	11	2010	2010	NUM
fsr-3265	524	12	)	)	PUNCT
fsr-3265	524	13	.	.	PUNCT
fsr-3265	525	1	knowledge	knowledge	NOUN
fsr-3265	525	2	sharing	sharing	NOUN
fsr-3265	525	3	:	:	PUNCT
fsr-3265	525	4	a	a	DET
fsr-3265	525	5	review	review	NOUN
fsr-3265	525	6	and	and	CCONJ
fsr-3265	525	7	directions	direction	NOUN
fsr-3265	525	8	for	for	ADP
fsr-3265	525	9	future	future	ADJ
fsr-3265	525	10	research	research	NOUN
fsr-3265	525	11	.	.	PUNCT
fsr-3265	526	1	human	human	ADJ
fsr-3265	526	2	resource	resource	NOUN
fsr-3265	526	3	management	management	NOUN
fsr-3265	526	4	review	review	NOUN
fsr-3265	526	5	,	,	PUNCT
fsr-3265	526	6	20	20	NUM
fsr-3265	526	7	,	,	PUNCT
fsr-3265	526	8	115–131	115–131	NUM
fsr-3265	526	9	.	.	PUNCT
fsr-3265	527	1	watson	watson	PROPN
fsr-3265	527	2	,	,	PUNCT
fsr-3265	527	3	d.	d.	PROPN
fsr-3265	527	4	,	,	PUNCT
fsr-3265	527	5	clark	clark	PROPN
fsr-3265	527	6	,	,	PUNCT
fsr-3265	527	7	l.	l.	PROPN
fsr-3265	527	8	a.	a.	PROPN
fsr-3265	527	9	,	,	PUNCT
fsr-3265	527	10	&	&	CCONJ
fsr-3265	527	11	tellegen	tellegen	PROPN
fsr-3265	527	12	,	,	PUNCT
fsr-3265	527	13	a.	a.	NOUN
fsr-3265	527	14	(	(	PUNCT
fsr-3265	527	15	1988	1988	NUM
fsr-3265	527	16	)	)	PUNCT
fsr-3265	527	17	.	.	PUNCT
fsr-3265	528	1	development	development	NOUN
fsr-3265	528	2	and	and	CCONJ
fsr-3265	528	3	validation	validation	NOUN
fsr-3265	528	4	of	of	ADP
fsr-3265	528	5	brief	brief	ADJ
fsr-3265	528	6	measures	measure	NOUN
fsr-3265	528	7	of	of	ADP
fsr-3265	528	8	positive	positive	ADJ
fsr-3265	528	9	and	and	CCONJ
fsr-3265	528	10	negative	negative	ADJ
fsr-3265	528	11	affect	affect	NOUN
fsr-3265	528	12	:	:	PUNCT
fsr-3265	528	13	the	the	DET
fsr-3265	528	14	panas	panas	PROPN
fsr-3265	528	15	scales	scale	NOUN
fsr-3265	528	16	.	.	PUNCT
fsr-3265	529	1	journal	journal	NOUN
fsr-3265	529	2	of	of	ADP
fsr-3265	529	3	personality	personality	NOUN
fsr-3265	529	4	and	and	CCONJ
fsr-3265	529	5	social	social	ADJ
fsr-3265	529	6	psychology	psychology	NOUN
fsr-3265	529	7	,	,	PUNCT
fsr-3265	529	8	54	54	NUM
fsr-3265	529	9	,	,	PUNCT
fsr-3265	529	10	1063–1070	1063–1070	NUM
fsr-3265	529	11	.	.	PUNCT
fsr-3265	530	1	willis	willis	PROPN
fsr-3265	530	2	,	,	PUNCT
fsr-3265	530	3	l.	l.	PROPN
fsr-3265	530	4	(	(	PUNCT
fsr-3265	530	5	2011	2011	NUM
fsr-3265	530	6	)	)	PUNCT
fsr-3265	530	7	.	.	PUNCT
fsr-3265	531	1	the	the	DET
fsr-3265	531	2	financial	financial	ADJ
fsr-3265	531	3	education	education	NOUN
fsr-3265	531	4	fallacy	fallacy	NOUN
fsr-3265	531	5	.	.	PUNCT
fsr-3265	532	1	american	american	ADJ
fsr-3265	532	2	economic	economic	PROPN
fsr-3265	532	3	review	review	PROPN
fsr-3265	532	4	,	,	PUNCT
fsr-3265	532	5	101	101	NUM
fsr-3265	532	6	,	,	PUNCT
fsr-3265	532	7	429–434	429–434	NUM
fsr-3265	532	8	.	.	PUNCT
fsr-3265	533	1	wooldridge	wooldridge	PROPN
fsr-3265	533	2	,	,	PUNCT
fsr-3265	533	3	j.	j.	PROPN
fsr-3265	533	4	m.	m.	PROPN
fsr-3265	533	5	(	(	PUNCT
fsr-3265	533	6	2002	2002	NUM
fsr-3265	533	7	)	)	PUNCT
fsr-3265	533	8	.	.	PUNCT
fsr-3265	534	1	econometric	econometric	ADJ
fsr-3265	534	2	analysis	analysis	NOUN
fsr-3265	534	3	of	of	ADP
fsr-3265	534	4	cross	cross	NOUN
fsr-3265	534	5	section	section	NOUN
fsr-3265	534	6	and	and	CCONJ
fsr-3265	534	7	panel	panel	NOUN
fsr-3265	534	8	data	datum	NOUN
fsr-3265	534	9	.	.	PUNCT
fsr-3265	535	1	cambridge	cambridge	PROPN
fsr-3265	535	2	,	,	PUNCT
fsr-3265	535	3	ma	ma	PROPN
fsr-3265	535	4	:	:	PUNCT
fsr-3265	535	5	mit	mit	PROPN
fsr-3265	535	6	press	press	NOUN
fsr-3265	535	7	.	.	PUNCT
fsr-3265	536	1	yli	yli	NOUN
fsr-3265	536	2	-	-	NOUN
fsr-3265	536	3	renko	renko	NOUN
fsr-3265	536	4	,	,	PUNCT
fsr-3265	536	5	h.	h.	PROPN
fsr-3265	536	6	,	,	PUNCT
fsr-3265	536	7	autio	autio	PROPN
fsr-3265	536	8	,	,	PUNCT
fsr-3265	536	9	e.	e.	PROPN
fsr-3265	536	10	,	,	PUNCT
fsr-3265	536	11	&	&	CCONJ
fsr-3265	536	12	sapienza	sapienza	PROPN
fsr-3265	536	13	,	,	PUNCT
fsr-3265	536	14	h.	h.	PROPN
fsr-3265	536	15	j.	j.	PROPN
fsr-3265	536	16	(	(	PUNCT
fsr-3265	536	17	2001	2001	NUM
fsr-3265	536	18	)	)	PUNCT
fsr-3265	536	19	.	.	PUNCT
fsr-3265	537	1	social	social	ADJ
fsr-3265	537	2	capital	capital	NOUN
fsr-3265	537	3	,	,	PUNCT
fsr-3265	537	4	knowledge	knowledge	NOUN
fsr-3265	537	5	acquisitions	acquisition	NOUN
fsr-3265	537	6	,	,	PUNCT
fsr-3265	537	7	and	and	CCONJ
fsr-3265	537	8	knowledge	knowledge	NOUN
fsr-3265	537	9	exploitation	exploitation	NOUN
fsr-3265	537	10	in	in	ADP
fsr-3265	537	11	young	young	ADJ
fsr-3265	537	12	technology	technology	NOUN
fsr-3265	537	13	-	-	PUNCT
fsr-3265	537	14	based	base	VERB
fsr-3265	537	15	firms	firm	NOUN
fsr-3265	537	16	.	.	PUNCT
fsr-3265	538	1	strategic	strategic	ADJ
fsr-3265	538	2	management	management	NOUN
fsr-3265	538	3	journal	journal	NOUN
fsr-3265	538	4	,	,	PUNCT
fsr-3265	538	5	22	22	NUM
fsr-3265	538	6	,	,	PUNCT
fsr-3265	538	7	587–613	587–613	NUM
fsr-3265	538	8	.	.	PUNCT
fsr-3265	539	1	yoong	yoong	PROPN
fsr-3265	539	2	,	,	PUNCT
fsr-3265	539	3	j.	j.	PROPN
fsr-3265	539	4	(	(	PUNCT
fsr-3265	539	5	2010	2010	NUM
fsr-3265	539	6	)	)	PUNCT
fsr-3265	539	7	.	.	PUNCT
fsr-3265	540	1	financial	financial	ADJ
fsr-3265	540	2	illiteracy	illiteracy	NOUN
fsr-3265	540	3	and	and	CCONJ
fsr-3265	540	4	stock	stock	NOUN
fsr-3265	540	5	market	market	NOUN
fsr-3265	540	6	participation	participation	NOUN
fsr-3265	540	7	:	:	PUNCT
fsr-3265	540	8	evidence	evidence	NOUN
fsr-3265	540	9	from	from	ADP
fsr-3265	540	10	the	the	DET
fsr-3265	540	11	rand	rand	NOUN
fsr-3265	540	12	american	american	PROPN
fsr-3265	540	13	life	life	PROPN
fsr-3265	540	14	panel	panel	PROPN
fsr-3265	540	15	.	.	PUNCT
fsr-3265	541	1	pension	pension	NOUN
fsr-3265	541	2	research	research	PROPN
fsr-3265	541	3	council	council	PROPN
fsr-3265	541	4	working	working	PROPN
fsr-3265	541	5	paper	paper	NOUN
fsr-3265	541	6	,	,	PUNCT
fsr-3265	541	7	prc	prc	PROPN
fsr-3265	541	8	wp2010	wp2010	PROPN
fsr-3265	541	9	-	-	PUNCT
fsr-3265	541	10	29	29	NUM
fsr-3265	541	11	.	.	PUNCT
fsr-3265	541	12	99y	99y	NOUN
fsr-3265	541	13	.	.	PUNCT
fsr-3265	542	1	chung	chung	PROPN
fsr-3265	542	2	,	,	PUNCT
fsr-3265	542	3	y.	y.	PROPN
fsr-3265	542	4	park	park	PROPN
fsr-3265	542	5	/	/	SYM
fsr-3265	542	6	financial	financial	ADJ
fsr-3265	542	7	services	service	NOUN
fsr-3265	542	8	review	review	VERB
fsr-3265	542	9	24	24	NUM
fsr-3265	542	10	(	(	PUNCT
fsr-3265	542	11	2015	2015	NUM
fsr-3265	542	12	)	)	PUNCT
fsr-3265	542	13	77–99	77–99	NUM