id	sid	tid	token	lemma	pos
fsr-3277	1	1	from	from	ADP
fsr-3277	1	2	the	the	DET
fsr-3277	1	3	editor	editor	NOUN
fsr-3277	1	4	this	this	DET
fsr-3277	1	5	issue	issue	NOUN
fsr-3277	1	6	contains	contain	VERB
fsr-3277	1	7	issue	issue	NOUN
fsr-3277	1	8	2	2	NUM
fsr-3277	1	9	of	of	ADP
fsr-3277	1	10	volume	volume	NOUN
fsr-3277	1	11	25	25	NUM
fsr-3277	1	12	of	of	ADP
fsr-3277	1	13	financial	financial	ADJ
fsr-3277	1	14	services	service	NOUN
fsr-3277	1	15	review	review	NOUN
fsr-3277	1	16	(	(	PUNCT
fsr-3277	1	17	fsr	fsr	PROPN
fsr-3277	1	18	)	)	PUNCT
fsr-3277	1	19	.	.	PUNCT
fsr-3277	2	1	i	i	PRON
fsr-3277	2	2	would	would	AUX
fsr-3277	2	3	like	like	VERB
fsr-3277	2	4	to	to	PART
fsr-3277	2	5	thank	thank	VERB
fsr-3277	2	6	the	the	DET
fsr-3277	2	7	board	board	NOUN
fsr-3277	2	8	and	and	CCONJ
fsr-3277	2	9	members	member	NOUN
fsr-3277	2	10	of	of	ADP
fsr-3277	2	11	the	the	DET
fsr-3277	2	12	academy	academy	NOUN
fsr-3277	2	13	of	of	ADP
fsr-3277	2	14	financial	financial	ADJ
fsr-3277	2	15	services	service	NOUN
fsr-3277	2	16	for	for	ADP
fsr-3277	2	17	their	their	PRON
fsr-3277	2	18	continued	continue	VERB
fsr-3277	2	19	support	support	NOUN
fsr-3277	2	20	.	.	PUNCT
fsr-3277	3	1	i	i	PRON
fsr-3277	3	2	continue	continue	VERB
fsr-3277	3	3	to	to	PART
fsr-3277	3	4	work	work	VERB
fsr-3277	3	5	in	in	ADP
fsr-3277	3	6	broadening	broaden	VERB
fsr-3277	3	7	the	the	DET
fsr-3277	3	8	scope	scope	NOUN
fsr-3277	3	9	of	of	ADP
fsr-3277	3	10	articles	article	NOUN
fsr-3277	3	11	,	,	PUNCT
fsr-3277	3	12	while	while	SCONJ
fsr-3277	3	13	still	still	ADV
fsr-3277	3	14	focusing	focus	VERB
fsr-3277	3	15	on	on	ADP
fsr-3277	3	16	individual	individual	ADJ
fsr-3277	3	17	financial	financial	ADJ
fsr-3277	3	18	management	management	NOUN
fsr-3277	3	19	and	and	CCONJ
fsr-3277	3	20	personal	personal	ADJ
fsr-3277	3	21	financial	financial	ADJ
fsr-3277	3	22	planning	planning	NOUN
fsr-3277	3	23	.	.	PUNCT
fsr-3277	4	1	i	i	PRON
fsr-3277	4	2	encourage	encourage	VERB
fsr-3277	4	3	authors	author	NOUN
fsr-3277	4	4	to	to	PART
fsr-3277	4	5	reach	reach	VERB
fsr-3277	4	6	out	out	ADP
fsr-3277	4	7	when	when	SCONJ
fsr-3277	4	8	discussing	discuss	VERB
fsr-3277	4	9	implications	implication	NOUN
fsr-3277	4	10	of	of	ADP
fsr-3277	4	11	their	their	PRON
fsr-3277	4	12	findings	finding	NOUN
fsr-3277	4	13	in	in	ADP
fsr-3277	4	14	a	a	DET
fsr-3277	4	15	more	more	ADV
fsr-3277	4	16	comprehensive	comprehensive	ADJ
fsr-3277	4	17	way	way	NOUN
fsr-3277	4	18	.	.	PUNCT
fsr-3277	5	1	as	as	SCONJ
fsr-3277	5	2	such	such	ADJ
fsr-3277	5	3	,	,	PUNCT
fsr-3277	5	4	all	all	DET
fsr-3277	5	5	articles	article	NOUN
fsr-3277	5	6	in	in	ADP
fsr-3277	5	7	the	the	DET
fsr-3277	5	8	journal	journal	NOUN
fsr-3277	5	9	more	more	ADV
fsr-3277	5	10	appropriately	appropriately	ADV
fsr-3277	5	11	relate	relate	VERB
fsr-3277	5	12	to	to	ADP
fsr-3277	5	13	financial	financial	ADJ
fsr-3277	5	14	planning	planning	NOUN
fsr-3277	5	15	issues	issue	NOUN
fsr-3277	5	16	.	.	PUNCT
fsr-3277	6	1	the	the	DET
fsr-3277	6	2	lead	lead	ADJ
fsr-3277	6	3	article	article	NOUN
fsr-3277	6	4	“	"	PUNCT
fsr-3277	6	5	behavioral	behavioral	ADJ
fsr-3277	6	6	and	and	CCONJ
fsr-3277	6	7	wealth	wealth	NOUN
fsr-3277	6	8	considerations	consideration	NOUN
fsr-3277	6	9	for	for	ADP
fsr-3277	6	10	seeking	seek	VERB
fsr-3277	6	11	professional	professional	ADJ
fsr-3277	6	12	financial	financial	ADJ
fsr-3277	6	13	planning	planning	NOUN
fsr-3277	6	14	help	help	NOUN
fsr-3277	6	15	,	,	PUNCT
fsr-3277	6	16	”	"	PUNCT
fsr-3277	6	17	is	be	AUX
fsr-3277	6	18	coauthored	coauthore	VERB
fsr-3277	6	19	by	by	ADP
fsr-3277	6	20	jodi	jodi	PROPN
fsr-3277	6	21	letkiewicz	letkiewicz	PROPN
fsr-3277	6	22	,	,	PUNCT
fsr-3277	6	23	chris	chris	PROPN
fsr-3277	6	24	robinson	robinson	PROPN
fsr-3277	6	25	,	,	PUNCT
fsr-3277	6	26	and	and	CCONJ
fsr-3277	6	27	dale	dale	PROPN
fsr-3277	6	28	domian	domian	PROPN
fsr-3277	6	29	,	,	PUNCT
fsr-3277	6	30	all	all	PRON
fsr-3277	6	31	at	at	ADP
fsr-3277	6	32	york	york	PROPN
fsr-3277	6	33	university	university	PROPN
fsr-3277	6	34	.	.	PUNCT
fsr-3277	7	1	the	the	DET
fsr-3277	7	2	authors	author	NOUN
fsr-3277	7	3	use	use	VERB
fsr-3277	7	4	a	a	DET
fsr-3277	7	5	canadian	canadian	ADJ
fsr-3277	7	6	survey	survey	NOUN
fsr-3277	7	7	to	to	PART
fsr-3277	7	8	examine	examine	VERB
fsr-3277	7	9	the	the	DET
fsr-3277	7	10	decisions	decision	NOUN
fsr-3277	7	11	to	to	PART
fsr-3277	7	12	seek	seek	VERB
fsr-3277	7	13	professional	professional	ADJ
fsr-3277	7	14	financial	financial	ADJ
fsr-3277	7	15	planning	planning	NOUN
fsr-3277	7	16	help	help	NOUN
fsr-3277	7	17	.	.	PUNCT
fsr-3277	8	1	they	they	PRON
fsr-3277	8	2	find	find	VERB
fsr-3277	8	3	that	that	SCONJ
fsr-3277	8	4	people	people	NOUN
fsr-3277	8	5	who	who	PRON
fsr-3277	8	6	use	use	VERB
fsr-3277	8	7	a	a	DET
fsr-3277	8	8	financial	financial	ADJ
fsr-3277	8	9	planner	planner	NOUN
fsr-3277	8	10	have	have	VERB
fsr-3277	8	11	more	more	ADJ
fsr-3277	8	12	wealth	wealth	NOUN
fsr-3277	8	13	,	,	PUNCT
fsr-3277	8	14	lower	low	ADJ
fsr-3277	8	15	subjective	subjective	ADJ
fsr-3277	8	16	financial	financial	ADJ
fsr-3277	8	17	stress	stress	NOUN
fsr-3277	8	18	and	and	CCONJ
fsr-3277	8	19	higher	high	ADJ
fsr-3277	8	20	financial	financial	ADJ
fsr-3277	8	21	self	self	NOUN
fsr-3277	8	22	-	-	PUNCT
fsr-3277	8	23	efficacy	efficacy	NOUN
fsr-3277	8	24	than	than	ADP
fsr-3277	8	25	people	people	NOUN
fsr-3277	8	26	who	who	PRON
fsr-3277	8	27	do	do	AUX
fsr-3277	8	28	not	not	PART
fsr-3277	8	29	use	use	VERB
fsr-3277	8	30	a	a	DET
fsr-3277	8	31	financial	financial	ADJ
fsr-3277	8	32	planner	planner	NOUN
fsr-3277	8	33	.	.	PUNCT
fsr-3277	9	1	they	they	PRON
fsr-3277	9	2	also	also	ADV
fsr-3277	9	3	find	find	VERB
fsr-3277	9	4	that	that	SCONJ
fsr-3277	9	5	people	people	NOUN
fsr-3277	9	6	with	with	ADP
fsr-3277	9	7	higher	high	ADJ
fsr-3277	9	8	self	self	NOUN
fsr-3277	9	9	-	-	PUNCT
fsr-3277	9	10	efficacy	efficacy	NOUN
fsr-3277	9	11	in	in	ADP
fsr-3277	9	12	period	period	NOUN
fsr-3277	9	13	t-1	t-1	PROPN
fsr-3277	9	14	are	be	AUX
fsr-3277	9	15	more	more	ADV
fsr-3277	9	16	likely	likely	ADJ
fsr-3277	9	17	to	to	PART
fsr-3277	9	18	seek	seek	VERB
fsr-3277	9	19	help	help	NOUN
fsr-3277	9	20	in	in	ADP
fsr-3277	9	21	period	period	NOUN
fsr-3277	9	22	t	t	PROPN
fsr-3277	9	23	,	,	PUNCT
fsr-3277	9	24	leading	lead	VERB
fsr-3277	9	25	to	to	ADP
fsr-3277	9	26	the	the	DET
fsr-3277	9	27	conclusion	conclusion	NOUN
fsr-3277	9	28	that	that	SCONJ
fsr-3277	9	29	high	high	ADJ
fsr-3277	9	30	self	self	NOUN
fsr-3277	9	31	-	-	PUNCT
fsr-3277	9	32	efficacy	efficacy	NOUN
fsr-3277	9	33	drives	drive	VERB
fsr-3277	9	34	one	one	NUM
fsr-3277	9	35	to	to	PART
fsr-3277	9	36	seek	seek	VERB
fsr-3277	9	37	financial	financial	ADJ
fsr-3277	9	38	planning	planning	NOUN
fsr-3277	9	39	help	help	NOUN
fsr-3277	9	40	.	.	PUNCT
fsr-3277	10	1	their	their	PRON
fsr-3277	10	2	results	result	NOUN
fsr-3277	10	3	indicate	indicate	VERB
fsr-3277	10	4	that	that	SCONJ
fsr-3277	10	5	subjective	subjective	ADJ
fsr-3277	10	6	financial	financial	ADJ
fsr-3277	10	7	stress	stress	NOUN
fsr-3277	10	8	leads	lead	VERB
fsr-3277	10	9	investors	investor	NOUN
fsr-3277	10	10	to	to	PART
fsr-3277	10	11	seek	seek	VERB
fsr-3277	10	12	financial	financial	ADJ
fsr-3277	10	13	planning	planning	NOUN
fsr-3277	10	14	help	help	NOUN
fsr-3277	10	15	.	.	PUNCT
fsr-3277	11	1	the	the	DET
fsr-3277	11	2	second	second	ADJ
fsr-3277	11	3	article	article	NOUN
fsr-3277	11	4	“	"	PUNCT
fsr-3277	11	5	financial	financial	ADJ
fsr-3277	11	6	adviser	adviser	NOUN
fsr-3277	11	7	users	user	NOUN
fsr-3277	11	8	and	and	CCONJ
fsr-3277	11	9	financial	financial	ADJ
fsr-3277	11	10	literacy	literacy	NOUN
fsr-3277	11	11	,	,	PUNCT
fsr-3277	11	12	”	"	PUNCT
fsr-3277	11	13	is	be	AUX
fsr-3277	11	14	coauthored	coauthore	VERB
fsr-3277	11	15	by	by	ADP
fsr-3277	11	16	bhanu	bhanu	PROPN
fsr-3277	11	17	balasubramnian	balasubramnian	PROPN
fsr-3277	11	18	and	and	CCONJ
fsr-3277	11	19	eric	eric	PROPN
fsr-3277	11	20	r	r	NOUN
fsr-3277	11	21	brisker	brisker	ADV
fsr-3277	11	22	both	both	PRON
fsr-3277	11	23	at	at	ADP
fsr-3277	11	24	the	the	DET
fsr-3277	11	25	university	university	PROPN
fsr-3277	11	26	of	of	ADP
fsr-3277	11	27	akron	akron	PROPN
fsr-3277	11	28	.	.	PUNCT
fsr-3277	12	1	the	the	DET
fsr-3277	12	2	authors	author	NOUN
fsr-3277	12	3	use	use	VERB
fsr-3277	12	4	the	the	DET
fsr-3277	12	5	2012	2012	NUM
fsr-3277	12	6	national	national	ADJ
fsr-3277	12	7	financial	financial	ADJ
fsr-3277	12	8	capability	capability	NOUN
fsr-3277	12	9	study	study	NOUN
fsr-3277	12	10	to	to	PART
fsr-3277	12	11	determine	determine	VERB
fsr-3277	12	12	what	what	PRON
fsr-3277	12	13	demographic	demographic	ADJ
fsr-3277	12	14	characteristics	characteristic	NOUN
fsr-3277	12	15	are	be	AUX
fsr-3277	12	16	associated	associate	VERB
fsr-3277	12	17	with	with	ADP
fsr-3277	12	18	individuals	individual	NOUN
fsr-3277	12	19	that	that	PRON
fsr-3277	12	20	use	use	VERB
fsr-3277	12	21	financial	financial	ADJ
fsr-3277	12	22	advisers	adviser	NOUN
fsr-3277	12	23	and	and	CCONJ
fsr-3277	12	24	whether	whether	SCONJ
fsr-3277	12	25	financial	financial	ADJ
fsr-3277	12	26	advisers	adviser	NOUN
fsr-3277	12	27	have	have	VERB
fsr-3277	12	28	any	any	DET
fsr-3277	12	29	impact	impact	NOUN
fsr-3277	12	30	on	on	ADP
fsr-3277	12	31	the	the	DET
fsr-3277	12	32	financial	financial	ADJ
fsr-3277	12	33	literacy	literacy	NOUN
fsr-3277	12	34	of	of	ADP
fsr-3277	12	35	their	their	PRON
fsr-3277	12	36	clients	client	NOUN
fsr-3277	12	37	.	.	PUNCT
fsr-3277	13	1	they	they	PRON
fsr-3277	13	2	find	find	VERB
fsr-3277	13	3	a	a	DET
fsr-3277	13	4	significant	significant	ADJ
fsr-3277	13	5	increase	increase	NOUN
fsr-3277	13	6	in	in	ADP
fsr-3277	13	7	the	the	DET
fsr-3277	13	8	use	use	NOUN
fsr-3277	13	9	of	of	ADP
fsr-3277	13	10	financial	financial	ADJ
fsr-3277	13	11	advisers	adviser	NOUN
fsr-3277	13	12	over	over	ADP
fsr-3277	13	13	the	the	DET
fsr-3277	13	14	past	past	ADJ
fsr-3277	13	15	decade	decade	NOUN
fsr-3277	13	16	.	.	PUNCT
fsr-3277	14	1	their	their	PRON
fsr-3277	14	2	research	research	NOUN
fsr-3277	14	3	shows	show	VERB
fsr-3277	14	4	that	that	SCONJ
fsr-3277	14	5	savings	saving	NOUN
fsr-3277	14	6	or	or	CCONJ
fsr-3277	14	7	investments	investment	NOUN
fsr-3277	14	8	advisers	adviser	NOUN
fsr-3277	14	9	have	have	VERB
fsr-3277	14	10	the	the	DET
fsr-3277	14	11	largest	large	ADJ
fsr-3277	14	12	positive	positive	ADJ
fsr-3277	14	13	impact	impact	NOUN
fsr-3277	14	14	on	on	ADP
fsr-3277	14	15	the	the	DET
fsr-3277	14	16	financial	financial	ADJ
fsr-3277	14	17	literacy	literacy	NOUN
fsr-3277	14	18	of	of	ADP
fsr-3277	14	19	their	their	PRON
fsr-3277	14	20	clients	client	NOUN
fsr-3277	14	21	,	,	PUNCT
fsr-3277	14	22	followed	follow	VERB
fsr-3277	14	23	by	by	ADP
fsr-3277	14	24	mortgage	mortgage	NOUN
fsr-3277	14	25	or	or	CCONJ
fsr-3277	14	26	loan	loan	NOUN
fsr-3277	14	27	and	and	CCONJ
fsr-3277	14	28	insurance	insurance	NOUN
fsr-3277	14	29	advisers	adviser	NOUN
fsr-3277	14	30	,	,	PUNCT
fsr-3277	14	31	even	even	ADV
fsr-3277	14	32	when	when	SCONJ
fsr-3277	14	33	controlling	control	VERB
fsr-3277	14	34	for	for	ADP
fsr-3277	14	35	financial	financial	ADJ
fsr-3277	14	36	education	education	NOUN
fsr-3277	14	37	and	and	CCONJ
fsr-3277	14	38	potential	potential	ADJ
fsr-3277	14	39	endogeneity	endogeneity	NOUN
fsr-3277	14	40	issues	issue	NOUN
fsr-3277	14	41	.	.	PUNCT
fsr-3277	15	1	the	the	DET
fsr-3277	15	2	third	third	ADJ
fsr-3277	15	3	article	article	NOUN
fsr-3277	15	4	,	,	PUNCT
fsr-3277	15	5	“	"	PUNCT
fsr-3277	15	6	the	the	DET
fsr-3277	15	7	relationship	relationship	NOUN
fsr-3277	15	8	between	between	ADP
fsr-3277	15	9	time	time	NOUN
fsr-3277	15	10	perspective	perspective	NOUN
fsr-3277	15	11	and	and	CCONJ
fsr-3277	15	12	financial	financial	ADJ
fsr-3277	15	13	risk	risk	NOUN
fsr-3277	15	14	tolerance	tolerance	NOUN
fsr-3277	15	15	in	in	ADP
fsr-3277	15	16	young	young	ADJ
fsr-3277	15	17	adults	adult	NOUN
fsr-3277	15	18	,	,	PUNCT
fsr-3277	15	19	”	"	PUNCT
fsr-3277	15	20	is	be	AUX
fsr-3277	15	21	coauthored	coauthore	VERB
fsr-3277	15	22	by	by	ADP
fsr-3277	15	23	kenneth	kenneth	PROPN
fsr-3277	15	24	n.	n.	PROPN
fsr-3277	15	25	ryack	ryack	PROPN
fsr-3277	15	26	and	and	CCONJ
fsr-3277	15	27	aamer	aamer	ADJ
fsr-3277	15	28	sheikh	sheikh	NOUN
fsr-3277	15	29	both	both	PRON
fsr-3277	15	30	at	at	ADP
fsr-3277	15	31	quinnipiac	quinnipiac	PROPN
fsr-3277	15	32	university	university	PROPN
fsr-3277	15	33	.	.	PUNCT
fsr-3277	16	1	the	the	DET
fsr-3277	16	2	authors	author	NOUN
fsr-3277	16	3	examine	examine	VERB
fsr-3277	16	4	the	the	DET
fsr-3277	16	5	relationship	relationship	NOUN
fsr-3277	16	6	between	between	ADP
fsr-3277	16	7	time	time	NOUN
fsr-3277	16	8	perspective	perspective	NOUN
fsr-3277	16	9	(	(	PUNCT
fsr-3277	16	10	tp	tp	NOUN
fsr-3277	16	11	)	)	PUNCT
fsr-3277	16	12	and	and	CCONJ
fsr-3277	16	13	financial	financial	ADJ
fsr-3277	16	14	risk	risk	NOUN
fsr-3277	16	15	tolerance	tolerance	NOUN
fsr-3277	16	16	(	(	PUNCT
fsr-3277	16	17	frt	frt	NOUN
fsr-3277	16	18	)	)	PUNCT
fsr-3277	16	19	in	in	ADP
fsr-3277	16	20	young	young	ADJ
fsr-3277	16	21	adults	adult	NOUN
fsr-3277	16	22	.	.	PUNCT
fsr-3277	17	1	prior	prior	ADJ
fsr-3277	17	2	research	research	NOUN
fsr-3277	17	3	suggests	suggest	VERB
fsr-3277	17	4	young	young	ADJ
fsr-3277	17	5	adults	adult	NOUN
fsr-3277	17	6	should	should	AUX
fsr-3277	17	7	invest	invest	VERB
fsr-3277	17	8	in	in	ADP
fsr-3277	17	9	riskier	risky	ADJ
fsr-3277	17	10	portfolios	portfolio	NOUN
fsr-3277	17	11	to	to	PART
fsr-3277	17	12	maximize	maximize	VERB
fsr-3277	17	13	wealth	wealth	NOUN
fsr-3277	17	14	accumulation	accumulation	NOUN
fsr-3277	17	15	for	for	ADP
fsr-3277	17	16	retirement	retirement	NOUN
fsr-3277	17	17	because	because	SCONJ
fsr-3277	17	18	of	of	ADP
fsr-3277	17	19	a	a	DET
fsr-3277	17	20	future	future	NOUN
fsr-3277	17	21	tp	tp	NOUN
fsr-3277	17	22	and	and	CCONJ
fsr-3277	17	23	a	a	DET
fsr-3277	17	24	high	high	ADJ
fsr-3277	17	25	frt	frt	NOUN
fsr-3277	17	26	.	.	PUNCT
fsr-3277	18	1	the	the	DET
fsr-3277	18	2	results	result	NOUN
fsr-3277	18	3	of	of	ADP
fsr-3277	18	4	their	their	PRON
fsr-3277	18	5	study	study	NOUN
fsr-3277	18	6	indicate	indicate	VERB
fsr-3277	18	7	that	that	SCONJ
fsr-3277	18	8	tp	tp	AUX
fsr-3277	18	9	accounts	account	VERB
fsr-3277	18	10	for	for	ADP
fsr-3277	18	11	a	a	DET
fsr-3277	18	12	significant	significant	ADJ
fsr-3277	18	13	amount	amount	NOUN
fsr-3277	18	14	of	of	ADP
fsr-3277	18	15	variance	variance	NOUN
fsr-3277	18	16	in	in	ADP
fsr-3277	18	17	frt	frt	NOUN
fsr-3277	18	18	,	,	PUNCT
fsr-3277	18	19	however	however	ADV
fsr-3277	18	20	,	,	PUNCT
fsr-3277	18	21	the	the	DET
fsr-3277	18	22	relationship	relationship	NOUN
fsr-3277	18	23	between	between	ADP
fsr-3277	18	24	tp	tp	NOUN
fsr-3277	18	25	and	and	CCONJ
fsr-3277	18	26	frt	frt	NOUN
fsr-3277	18	27	is	be	AUX
fsr-3277	18	28	not	not	PART
fsr-3277	18	29	financial	financial	ADJ
fsr-3277	18	30	services	service	NOUN
fsr-3277	18	31	review	review	VERB
fsr-3277	18	32	25	25	NUM
fsr-3277	18	33	(	(	PUNCT
fsr-3277	18	34	2016	2016	NUM
fsr-3277	18	35	)	)	PUNCT
fsr-3277	18	36	v	v	NOUN
fsr-3277	18	37	–	–	PUNCT
fsr-3277	18	38	vi	vi	NOUN
fsr-3277	18	39	1057	1057	NUM
fsr-3277	18	40	-	-	PUNCT
fsr-3277	18	41	0810/16/$	0810/16/$	ADV
fsr-3277	18	42	–	–	PUNCT
fsr-3277	18	43	see	see	VERB
fsr-3277	18	44	front	front	ADJ
fsr-3277	18	45	matter	matter	NOUN
fsr-3277	18	46	©	©	PROPN
fsr-3277	18	47	2016	2016	NUM
fsr-3277	18	48	academy	academy	NOUN
fsr-3277	18	49	of	of	ADP
fsr-3277	18	50	financial	financial	ADJ
fsr-3277	18	51	services	service	NOUN
fsr-3277	18	52	.	.	PUNCT
fsr-3277	19	1	all	all	DET
fsr-3277	19	2	rights	right	NOUN
fsr-3277	19	3	reserved	reserve	VERB
fsr-3277	19	4	.	.	PUNCT
fsr-3277	20	1	optimal	optimal	ADJ
fsr-3277	20	2	.	.	PUNCT
fsr-3277	21	1	future	future	ADJ
fsr-3277	21	2	oriented	orient	VERB
fsr-3277	21	3	individuals	individual	NOUN
fsr-3277	21	4	exhibit	exhibit	VERB
fsr-3277	21	5	lower	low	ADJ
fsr-3277	21	6	frt	frt	NOUN
fsr-3277	21	7	and	and	CCONJ
fsr-3277	21	8	present	present	ADJ
fsr-3277	21	9	oriented	orient	VERB
fsr-3277	21	10	individuals	individual	NOUN
fsr-3277	21	11	exhibit	exhibit	VERB
fsr-3277	21	12	higher	high	ADJ
fsr-3277	21	13	frt	frt	NOUN
fsr-3277	21	14	.	.	PUNCT
fsr-3277	22	1	the	the	DET
fsr-3277	22	2	fourth	fourth	ADJ
fsr-3277	22	3	article	article	NOUN
fsr-3277	22	4	,	,	PUNCT
fsr-3277	22	5	“	"	PUNCT
fsr-3277	22	6	hedged	hedge	VERB
fsr-3277	22	7	etfs	etfs	NOUN
fsr-3277	22	8	:	:	PUNCT
fsr-3277	22	9	do	do	AUX
fsr-3277	22	10	they	they	PRON
fsr-3277	22	11	add	add	VERB
fsr-3277	22	12	value	value	NOUN
fsr-3277	22	13	?	?	PUNCT
fsr-3277	22	14	”	"	PUNCT
fsr-3277	22	15	is	be	AUX
fsr-3277	22	16	authored	author	VERB
fsr-3277	22	17	by	by	ADP
fsr-3277	22	18	srinidhi	srinidhi	NOUN
fsr-3277	22	19	kanuri	kanuri	PROPN
fsr-3277	22	20	at	at	ADP
fsr-3277	22	21	the	the	DET
fsr-3277	22	22	university	university	PROPN
fsr-3277	22	23	of	of	ADP
fsr-3277	22	24	southern	southern	PROPN
fsr-3277	22	25	mississippi	mississippi	PROPN
fsr-3277	22	26	.	.	PUNCT
fsr-3277	23	1	hedged	hedge	VERB
fsr-3277	23	2	etfs	etfs	NOUN
fsr-3277	23	3	provide	provide	VERB
fsr-3277	23	4	individual	individual	ADJ
fsr-3277	23	5	investors	investor	NOUN
fsr-3277	23	6	with	with	ADP
fsr-3277	23	7	the	the	DET
fsr-3277	23	8	opportunity	opportunity	NOUN
fsr-3277	23	9	to	to	PART
fsr-3277	23	10	invest	invest	VERB
fsr-3277	23	11	in	in	ADP
fsr-3277	23	12	etfs	etfs	PROPN
fsr-3277	23	13	that	that	PRON
fsr-3277	23	14	follow	follow	VERB
fsr-3277	23	15	strategies	strategy	NOUN
fsr-3277	23	16	similar	similar	ADJ
fsr-3277	23	17	to	to	ADP
fsr-3277	23	18	those	those	PRON
fsr-3277	23	19	of	of	ADP
fsr-3277	23	20	hedge	hedge	NOUN
fsr-3277	23	21	funds	fund	NOUN
fsr-3277	23	22	and	and	CCONJ
fsr-3277	23	23	seek	seek	VERB
fsr-3277	23	24	returns	return	NOUN
fsr-3277	23	25	uncorrelated	uncorrelate	VERB
fsr-3277	23	26	with	with	ADP
fsr-3277	23	27	the	the	DET
fsr-3277	23	28	market	market	NOUN
fsr-3277	23	29	.	.	PUNCT
fsr-3277	24	1	the	the	DET
fsr-3277	24	2	author	author	NOUN
fsr-3277	24	3	investigates	investigate	VERB
fsr-3277	24	4	the	the	DET
fsr-3277	24	5	performance	performance	NOUN
fsr-3277	24	6	for	for	ADP
fsr-3277	24	7	6	6	NUM
fsr-3277	24	8	different	different	ADJ
fsr-3277	24	9	categories	category	NOUN
fsr-3277	24	10	of	of	ADP
fsr-3277	24	11	hedged	hedge	VERB
fsr-3277	24	12	etfs	etfs	NOUN
fsr-3277	24	13	and	and	CCONJ
fsr-3277	24	14	hedged	hedge	VERB
fsr-3277	24	15	mutual	mutual	ADJ
fsr-3277	24	16	funds	fund	NOUN
fsr-3277	24	17	during	during	ADP
fsr-3277	24	18	the	the	DET
fsr-3277	24	19	period	period	NOUN
fsr-3277	24	20	2008	2008	NUM
fsr-3277	24	21	to	to	ADP
fsr-3277	24	22	2014	2014	NUM
fsr-3277	24	23	.	.	PUNCT
fsr-3277	25	1	he	he	PRON
fsr-3277	25	2	found	find	VERB
fsr-3277	25	3	that	that	SCONJ
fsr-3277	25	4	hedged	hedge	VERB
fsr-3277	25	5	etfs	etfs	NOUN
fsr-3277	25	6	had	have	VERB
fsr-3277	25	7	much	much	ADV
fsr-3277	25	8	lower	low	ADJ
fsr-3277	25	9	risk	risk	NOUN
fsr-3277	25	10	compared	compare	VERB
fsr-3277	25	11	to	to	ADP
fsr-3277	25	12	other	other	ADJ
fsr-3277	25	13	index	index	NOUN
fsr-3277	25	14	etfs	etfs	NOUN
fsr-3277	25	15	,	,	PUNCT
fsr-3277	25	16	with	with	ADP
fsr-3277	25	17	the	the	DET
fsr-3277	25	18	exception	exception	NOUN
fsr-3277	25	19	of	of	ADP
fsr-3277	25	20	bond	bond	NOUN
fsr-3277	25	21	market	market	NOUN
fsr-3277	25	22	etf	etf	PROPN
fsr-3277	25	23	agg	agg	PROPN
fsr-3277	25	24	.	.	PUNCT
fsr-3277	26	1	although	although	SCONJ
fsr-3277	26	2	this	this	PRON
fsr-3277	26	3	did	do	AUX
fsr-3277	26	4	not	not	PART
fsr-3277	26	5	translate	translate	VERB
fsr-3277	26	6	into	into	ADP
fsr-3277	26	7	superior	superior	ADJ
fsr-3277	26	8	absolute	absolute	ADJ
fsr-3277	26	9	or	or	CCONJ
fsr-3277	26	10	risk	risk	NOUN
fsr-3277	26	11	-	-	PUNCT
fsr-3277	26	12	adjusted	adjust	VERB
fsr-3277	26	13	performance	performance	NOUN
fsr-3277	26	14	.	.	PUNCT
fsr-3277	27	1	hedged	hedge	VERB
fsr-3277	27	2	etfs	etfs	PROPN
fsr-3277	27	3	underperformed	underperform	VERB
fsr-3277	27	4	all	all	DET
fsr-3277	27	5	other	other	ADJ
fsr-3277	27	6	asset	asset	NOUN
fsr-3277	27	7	categories	category	NOUN
fsr-3277	27	8	(	(	PUNCT
fsr-3277	27	9	with	with	ADP
fsr-3277	27	10	the	the	DET
fsr-3277	27	11	exception	exception	NOUN
fsr-3277	27	12	of	of	ADP
fsr-3277	27	13	commodities	commodity	NOUN
fsr-3277	27	14	etf	etf	NOUN
fsr-3277	27	15	dbc	dbc	PROPN
fsr-3277	27	16	)	)	PUNCT
fsr-3277	27	17	and	and	CCONJ
fsr-3277	27	18	the	the	DET
fsr-3277	27	19	absoluteand	absoluteand	NOUN
fsr-3277	27	20	risk	risk	NOUN
fsr-3277	27	21	-	-	PUNCT
fsr-3277	27	22	adjusted	adjust	VERB
fsr-3277	27	23	performance	performance	NOUN
fsr-3277	27	24	of	of	ADP
fsr-3277	27	25	hedged	hedge	VERB
fsr-3277	27	26	mutual	mutual	ADJ
fsr-3277	27	27	funds	fund	NOUN
fsr-3277	27	28	was	be	AUX
fsr-3277	27	29	similar	similar	ADJ
fsr-3277	27	30	to	to	ADP
fsr-3277	27	31	that	that	PRON
fsr-3277	27	32	of	of	ADP
fsr-3277	27	33	hedged	hedge	VERB
fsr-3277	27	34	etfs	etfs	NOUN
fsr-3277	27	35	.	.	PUNCT
fsr-3277	28	1	the	the	DET
fsr-3277	28	2	author	author	NOUN
fsr-3277	28	3	concludes	conclude	VERB
fsr-3277	28	4	that	that	SCONJ
fsr-3277	28	5	investors	investor	NOUN
fsr-3277	28	6	would	would	AUX
fsr-3277	28	7	have	have	AUX
fsr-3277	28	8	been	be	AUX
fsr-3277	28	9	better	well	ADJ
fsr-3277	28	10	off	off	ADP
fsr-3277	28	11	with	with	ADP
fsr-3277	28	12	index	index	NOUN
fsr-3277	28	13	fund	fund	NOUN
fsr-3277	28	14	etfs	etfs	PROPN
fsr-3277	28	15	.	.	PUNCT
fsr-3277	29	1	the	the	DET
fsr-3277	29	2	final	final	ADJ
fsr-3277	29	3	article	article	NOUN
fsr-3277	29	4	,	,	PUNCT
fsr-3277	29	5	“	"	PUNCT
fsr-3277	29	6	investment	investment	NOUN
fsr-3277	29	7	strategies	strategy	NOUN
fsr-3277	29	8	when	when	SCONJ
fsr-3277	29	9	selecting	select	VERB
fsr-3277	29	10	sustainable	sustainable	ADJ
fsr-3277	29	11	firms	firm	NOUN
fsr-3277	29	12	”	"	PUNCT
fsr-3277	29	13	is	be	AUX
fsr-3277	29	14	coauthored	coauthore	VERB
fsr-3277	29	15	by	by	ADP
fsr-3277	29	16	todd	todd	PROPN
fsr-3277	29	17	m.	m.	PROPN
fsr-3277	29	18	shank	shank	PROPN
fsr-3277	29	19	at	at	ADP
fsr-3277	29	20	university	university	PROPN
fsr-3277	29	21	of	of	ADP
fsr-3277	29	22	south	south	PROPN
fsr-3277	29	23	florida	florida	PROPN
fsr-3277	29	24	st	st	PROPN
fsr-3277	29	25	.	.	PROPN
fsr-3277	29	26	petersburg	petersburg	PROPN
fsr-3277	29	27	and	and	CCONJ
fsr-3277	29	28	benjamin	benjamin	PROPN
fsr-3277	29	29	shockey	shockey	PROPN
fsr-3277	29	30	at	at	ADP
fsr-3277	29	31	raymond	raymond	PROPN
fsr-3277	29	32	james	james	PROPN
fsr-3277	29	33	financial	financial	PROPN
fsr-3277	29	34	,	,	PUNCT
fsr-3277	29	35	inc	inc	PROPN
fsr-3277	29	36	.	.	PUNCT
fsr-3277	30	1	the	the	DET
fsr-3277	30	2	authors	author	NOUN
fsr-3277	30	3	investigate	investigate	VERB
fsr-3277	30	4	whether	whether	SCONJ
fsr-3277	30	5	the	the	DET
fsr-3277	30	6	emerging	emerge	VERB
fsr-3277	30	7	emphasis	emphasis	NOUN
fsr-3277	30	8	on	on	ADP
fsr-3277	30	9	sustainability	sustainability	NOUN
fsr-3277	30	10	is	be	AUX
fsr-3277	30	11	financially	financially	ADV
fsr-3277	30	12	rewarded	reward	VERB
fsr-3277	30	13	by	by	ADP
fsr-3277	30	14	market	market	NOUN
fsr-3277	30	15	participants	participant	NOUN
fsr-3277	30	16	.	.	PUNCT
fsr-3277	31	1	this	this	DET
fsr-3277	31	2	study	study	NOUN
fsr-3277	31	3	examines	examine	VERB
fsr-3277	31	4	the	the	DET
fsr-3277	31	5	efficacy	efficacy	NOUN
fsr-3277	31	6	of	of	ADP
fsr-3277	31	7	passive	passive	ADJ
fsr-3277	31	8	versus	versus	ADP
fsr-3277	31	9	active	active	ADJ
fsr-3277	31	10	investment	investment	NOUN
fsr-3277	31	11	strategies	strategy	NOUN
fsr-3277	31	12	when	when	SCONJ
fsr-3277	31	13	selecting	select	VERB
fsr-3277	31	14	sustainable	sustainable	ADJ
fsr-3277	31	15	firms	firm	NOUN
fsr-3277	31	16	for	for	ADP
fsr-3277	31	17	inclusion	inclusion	NOUN
fsr-3277	31	18	within	within	ADP
fsr-3277	31	19	an	an	DET
fsr-3277	31	20	equity	equity	NOUN
fsr-3277	31	21	portfolio	portfolio	NOUN
fsr-3277	31	22	.	.	PUNCT
fsr-3277	32	1	utilizing	utilize	VERB
fsr-3277	32	2	two	two	NUM
fsr-3277	32	3	groups	group	NOUN
fsr-3277	32	4	of	of	ADP
fsr-3277	32	5	“	"	PUNCT
fsr-3277	32	6	sustainability	sustainability	NOUN
fsr-3277	32	7	-	-	PUNCT
fsr-3277	32	8	focused	focused	ADJ
fsr-3277	32	9	”	"	PUNCT
fsr-3277	32	10	firms	firm	NOUN
fsr-3277	32	11	,	,	PUNCT
fsr-3277	32	12	they	they	PRON
fsr-3277	32	13	find	find	VERB
fsr-3277	32	14	financial	financial	ADJ
fsr-3277	32	15	support	support	NOUN
fsr-3277	32	16	for	for	ADP
fsr-3277	32	17	an	an	DET
fsr-3277	32	18	active	active	ADJ
fsr-3277	32	19	selection	selection	NOUN
fsr-3277	32	20	of	of	ADP
fsr-3277	32	21	sustainable	sustainable	ADJ
fsr-3277	32	22	firms	firm	NOUN
fsr-3277	32	23	on	on	ADP
fsr-3277	32	24	a	a	DET
fsr-3277	32	25	risk	risk	NOUN
fsr-3277	32	26	-	-	PUNCT
fsr-3277	32	27	adjusted	adjust	VERB
fsr-3277	32	28	basis	basis	NOUN
fsr-3277	32	29	.	.	PUNCT
fsr-3277	33	1	the	the	DET
fsr-3277	33	2	author	author	NOUN
fsr-3277	33	3	’s	’s	PART
fsr-3277	33	4	results	result	NOUN
fsr-3277	33	5	support	support	VERB
fsr-3277	33	6	identifying	identify	VERB
fsr-3277	33	7	global	global	ADJ
fsr-3277	33	8	sustainability	sustainability	NOUN
fsr-3277	33	9	leaders	leader	NOUN
fsr-3277	33	10	by	by	ADP
fsr-3277	33	11	industry	industry	NOUN
fsr-3277	33	12	because	because	SCONJ
fsr-3277	33	13	they	they	PRON
fsr-3277	33	14	collectively	collectively	ADV
fsr-3277	33	15	showed	show	VERB
fsr-3277	33	16	greater	great	ADJ
fsr-3277	33	17	financial	financial	ADJ
fsr-3277	33	18	performance	performance	NOUN
fsr-3277	33	19	over	over	ADP
fsr-3277	33	20	the	the	DET
fsr-3277	33	21	past	past	ADJ
fsr-3277	33	22	decade	decade	NOUN
fsr-3277	33	23	than	than	ADP
fsr-3277	33	24	both	both	CCONJ
fsr-3277	33	25	the	the	DET
fsr-3277	33	26	dow	dow	PROPN
fsr-3277	33	27	jones	jones	PROPN
fsr-3277	33	28	sustainability	sustainability	PROPN
fsr-3277	33	29	index	index	PROPN
fsr-3277	33	30	,	,	PUNCT
fsr-3277	33	31	as	as	ADV
fsr-3277	33	32	well	well	ADV
fsr-3277	33	33	as	as	ADP
fsr-3277	33	34	the	the	DET
fsr-3277	33	35	broader	broad	ADJ
fsr-3277	33	36	market	market	NOUN
fsr-3277	33	37	.	.	PUNCT
fsr-3277	34	1	i	i	PRON
fsr-3277	34	2	would	would	AUX
fsr-3277	34	3	like	like	VERB
fsr-3277	34	4	to	to	PART
fsr-3277	34	5	send	send	VERB
fsr-3277	34	6	a	a	DET
fsr-3277	34	7	special	special	ADJ
fsr-3277	34	8	thank	thank	NOUN
fsr-3277	34	9	you	you	PRON
fsr-3277	34	10	to	to	ADP
fsr-3277	34	11	the	the	DET
fsr-3277	34	12	many	many	ADJ
fsr-3277	34	13	reviewers	reviewer	NOUN
fsr-3277	34	14	that	that	PRON
fsr-3277	34	15	have	have	AUX
fsr-3277	34	16	significantly	significantly	ADV
fsr-3277	34	17	contributed	contribute	VERB
fsr-3277	34	18	to	to	ADP
fsr-3277	34	19	the	the	DET
fsr-3277	34	20	quality	quality	NOUN
fsr-3277	34	21	of	of	ADP
fsr-3277	34	22	our	our	PRON
fsr-3277	34	23	journal	journal	NOUN
fsr-3277	34	24	by	by	ADP
fsr-3277	34	25	providing	provide	VERB
fsr-3277	34	26	timely	timely	ADJ
fsr-3277	34	27	and	and	CCONJ
fsr-3277	34	28	thorough	thorough	ADJ
fsr-3277	34	29	reviews	review	NOUN
fsr-3277	34	30	of	of	ADP
fsr-3277	34	31	the	the	DET
fsr-3277	34	32	submissions	submission	NOUN
fsr-3277	34	33	to	to	ADP
fsr-3277	34	34	our	our	PRON
fsr-3277	34	35	journal	journal	NOUN
fsr-3277	34	36	.	.	PUNCT
fsr-3277	35	1	thanks	thank	NOUN
fsr-3277	35	2	to	to	ADP
fsr-3277	35	3	those	those	PRON
fsr-3277	35	4	who	who	PRON
fsr-3277	35	5	make	make	VERB
fsr-3277	35	6	the	the	DET
fsr-3277	35	7	journal	journal	NOUN
fsr-3277	35	8	possible	possible	ADJ
fsr-3277	35	9	,	,	PUNCT
fsr-3277	35	10	especially	especially	ADV
fsr-3277	35	11	the	the	DET
fsr-3277	35	12	referees	referee	NOUN
fsr-3277	35	13	and	and	CCONJ
fsr-3277	35	14	contributing	contribute	VERB
fsr-3277	35	15	authors	author	NOUN
fsr-3277	35	16	.	.	PUNCT
fsr-3277	36	1	please	please	INTJ
fsr-3277	36	2	consider	consider	VERB
fsr-3277	36	3	submission	submission	NOUN
fsr-3277	36	4	to	to	ADP
fsr-3277	36	5	the	the	DET
fsr-3277	36	6	financial	financial	ADJ
fsr-3277	36	7	services	service	NOUN
fsr-3277	36	8	review	review	NOUN
fsr-3277	36	9	and	and	CCONJ
fsr-3277	36	10	rely	rely	VERB
fsr-3277	36	11	on	on	ADP
fsr-3277	36	12	the	the	DET
fsr-3277	36	13	style	style	NOUN
fsr-3277	36	14	information	information	NOUN
fsr-3277	36	15	provided	provide	VERB
fsr-3277	36	16	to	to	PART
fsr-3277	36	17	ease	ease	VERB
fsr-3277	36	18	readability	readability	NOUN
fsr-3277	36	19	and	and	CCONJ
fsr-3277	36	20	streamline	streamline	VERB
fsr-3277	36	21	the	the	DET
fsr-3277	36	22	review	review	NOUN
fsr-3277	36	23	process	process	NOUN
fsr-3277	36	24	.	.	PUNCT
fsr-3277	37	1	the	the	DET
fsr-3277	37	2	journal	journal	NOUN
fsr-3277	37	3	welcomes	welcome	VERB
fsr-3277	37	4	articles	article	NOUN
fsr-3277	37	5	over	over	ADP
fsr-3277	37	6	the	the	DET
fsr-3277	37	7	range	range	NOUN
fsr-3277	37	8	of	of	ADP
fsr-3277	37	9	areas	area	NOUN
fsr-3277	37	10	that	that	PRON
fsr-3277	37	11	comprise	comprise	VERB
fsr-3277	37	12	personal	personal	ADJ
fsr-3277	37	13	financial	financial	ADJ
fsr-3277	37	14	planning	planning	NOUN
fsr-3277	37	15	.	.	PUNCT
fsr-3277	38	1	while	while	SCONJ
fsr-3277	38	2	fsr	fsr	PROPN
fsr-3277	38	3	articles	article	NOUN
fsr-3277	38	4	are	be	AUX
fsr-3277	38	5	certainly	certainly	ADV
fsr-3277	38	6	diverse	diverse	ADJ
fsr-3277	38	7	in	in	ADP
fsr-3277	38	8	terms	term	NOUN
fsr-3277	38	9	of	of	ADP
fsr-3277	38	10	topic	topic	NOUN
fsr-3277	38	11	,	,	PUNCT
fsr-3277	38	12	data	datum	NOUN
fsr-3277	38	13	,	,	PUNCT
fsr-3277	38	14	and	and	CCONJ
fsr-3277	38	15	method	method	NOUN
fsr-3277	38	16	,	,	PUNCT
fsr-3277	38	17	they	they	PRON
fsr-3277	38	18	are	be	AUX
fsr-3277	38	19	focused	focus	VERB
fsr-3277	38	20	in	in	ADP
fsr-3277	38	21	terms	term	NOUN
fsr-3277	38	22	of	of	ADP
fsr-3277	38	23	motivation	motivation	NOUN
fsr-3277	38	24	.	.	PUNCT
fsr-3277	39	1	fsr	fsr	PROPN
fsr-3277	39	2	exists	exist	VERB
fsr-3277	39	3	to	to	PART
fsr-3277	39	4	produce	produce	VERB
fsr-3277	39	5	research	research	NOUN
fsr-3277	39	6	that	that	PRON
fsr-3277	39	7	addresses	address	VERB
fsr-3277	39	8	issues	issue	NOUN
fsr-3277	39	9	that	that	PRON
fsr-3277	39	10	matter	matter	VERB
fsr-3277	39	11	to	to	ADP
fsr-3277	39	12	individuals	individual	NOUN
fsr-3277	39	13	.	.	PUNCT
fsr-3277	40	1	i	i	PRON
fsr-3277	40	2	remain	remain	VERB
fsr-3277	40	3	committed	committed	ADJ
fsr-3277	40	4	to	to	ADP
fsr-3277	40	5	the	the	DET
fsr-3277	40	6	goal	goal	NOUN
fsr-3277	40	7	of	of	ADP
fsr-3277	40	8	making	make	VERB
fsr-3277	40	9	financial	financial	ADJ
fsr-3277	40	10	services	service	NOUN
fsr-3277	40	11	review	review	VERB
fsr-3277	40	12	the	the	DET
fsr-3277	40	13	best	good	ADJ
fsr-3277	40	14	academic	academic	ADJ
fsr-3277	40	15	journal	journal	NOUN
fsr-3277	40	16	in	in	ADP
fsr-3277	40	17	individual	individual	ADJ
fsr-3277	40	18	financial	financial	ADJ
fsr-3277	40	19	management	management	NOUN
fsr-3277	40	20	and	and	CCONJ
fsr-3277	40	21	personal	personal	ADJ
fsr-3277	40	22	financial	financial	ADJ
fsr-3277	40	23	planning	planning	NOUN
fsr-3277	40	24	.	.	PUNCT
fsr-3277	41	1	best	good	ADJ
fsr-3277	41	2	regards	regard	VERB
fsr-3277	41	3	stuart	stuart	PROPN
fsr-3277	41	4	michelson	michelson	PROPN
fsr-3277	41	5	editor	editor	PROPN
fsr-3277	41	6	financial	financial	PROPN
fsr-3277	41	7	services	services	PROPN
fsr-3277	41	8	review	review	VERB
fsr-3277	41	9	vi	vi	PROPN
fsr-3277	41	10	editorial	editorial	NOUN
fsr-3277	41	11	/	/	SYM
fsr-3277	41	12	financial	financial	ADJ
fsr-3277	41	13	services	service	NOUN
fsr-3277	41	14	review	review	VERB
fsr-3277	41	15	25	25	NUM
fsr-3277	41	16	(	(	PUNCT
fsr-3277	41	17	2016	2016	NUM
fsr-3277	41	18	)	)	PUNCT
fsr-3277	41	19	v	v	NOUN
fsr-3277	41	20	–	–	PUNCT
fsr-3277	41	21	vi	vi	NOUN