id	sid	tid	token	lemma	pos
fsr-3294	1	1	employees	employee	NOUN
fsr-3294	1	2	’	’	PART
fsr-3294	1	3	financial	financial	ADJ
fsr-3294	1	4	behaviors	behavior	NOUN
fsr-3294	1	5	following	follow	VERB
fsr-3294	1	6	the	the	DET
fsr-3294	1	7	2007–2009	2007–2009	NUM
fsr-3294	1	8	financial	financial	ADJ
fsr-3294	1	9	crisis	crisis	NOUN
fsr-3294	1	10	crystal	crystal	PROPN
fsr-3294	1	11	hudson	hudson	PROPN
fsr-3294	1	12	,	,	PUNCT
fsr-3294	1	13	ph.d.a	ph.d.a	PROPN
fsr-3294	1	14	,	,	PUNCT
fsr-3294	1	15	*	*	PUNCT
fsr-3294	1	16	,	,	PUNCT
fsr-3294	1	17	wookjae	wookjae	ADV
fsr-3294	1	18	heo	heo	PROPN
fsr-3294	1	19	,	,	PUNCT
fsr-3294	1	20	ph.d.b	ph.d.b	PROPN
fsr-3294	1	21	,	,	PUNCT
fsr-3294	1	22	heejung	heejung	NOUN
fsr-3294	1	23	park	park	NOUN
fsr-3294	1	24	,	,	PUNCT
fsr-3294	1	25	m.s.c	m.s.c	ADJ
fsr-3294	1	26	,	,	PUNCT
fsr-3294	1	27	lance	lance	NOUN
fsr-3294	1	28	palmer	palmer	PROPN
fsr-3294	1	29	,	,	PUNCT
fsr-3294	1	30	ph.d	ph.d	PROPN
fsr-3294	1	31	.	.	PROPN
fsr-3294	1	32	,	,	PUNCT
fsr-3294	1	33	cfpd	cfpd	PROPN
fsr-3294	1	34	aclark	aclark	PROPN
fsr-3294	1	35	atlanta	atlanta	PROPN
fsr-3294	1	36	university	university	PROPN
fsr-3294	1	37	,	,	PUNCT
fsr-3294	1	38	223	223	NUM
fsr-3294	1	39	james	james	PROPN
fsr-3294	1	40	p.	p.	PROPN
fsr-3294	1	41	brawley	brawley	PROPN
fsr-3294	1	42	drive	drive	PROPN
fsr-3294	1	43	,	,	PUNCT
fsr-3294	1	44	atlanta	atlanta	PROPN
fsr-3294	1	45	,	,	PUNCT
fsr-3294	1	46	ga	ga	PROPN
fsr-3294	1	47	30314	30314	NUM
fsr-3294	1	48	,	,	PUNCT
fsr-3294	1	49	usa	usa	PROPN
fsr-3294	1	50	bsouth	bsouth	PROPN
fsr-3294	1	51	dakota	dakota	PROPN
fsr-3294	1	52	state	state	PROPN
fsr-3294	1	53	university	university	PROPN
fsr-3294	1	54	,	,	PUNCT
fsr-3294	1	55	box	box	PROPN
fsr-3294	1	56	2275a	2275a	NUM
fsr-3294	1	57	/	/	SYM
fsr-3294	1	58	wagner	wagner	PROPN
fsr-3294	1	59	hall	hall	PROPN
fsr-3294	1	60	151	151	NUM
fsr-3294	1	61	,	,	PUNCT
fsr-3294	1	62	brookings	brooking	NOUN
fsr-3294	1	63	,	,	PUNCT
fsr-3294	1	64	sd	sd	ADP
fsr-3294	1	65	57007	57007	NUM
fsr-3294	1	66	-	-	SYM
fsr-3294	1	67	0295	0295	NUM
fsr-3294	1	68	,	,	PUNCT
fsr-3294	1	69	usa	usa	PROPN
fsr-3294	1	70	cuniversity	cuniversity	PROPN
fsr-3294	1	71	of	of	ADP
fsr-3294	1	72	wyoming	wyoming	PROPN
fsr-3294	1	73	,	,	PUNCT
fsr-3294	1	74	department	department	NOUN
fsr-3294	1	75	3275	3275	NUM
fsr-3294	1	76	,	,	PUNCT
fsr-3294	1	77	1000	1000	NUM
fsr-3294	1	78	e	e	PROPN
fsr-3294	1	79	university	university	PROPN
fsr-3294	1	80	avenue	avenue	PROPN
fsr-3294	1	81	,	,	PUNCT
fsr-3294	1	82	laramie	laramie	PROPN
fsr-3294	1	83	,	,	PUNCT
fsr-3294	1	84	wy	wy	PROPN
fsr-3294	1	85	82071	82071	NUM
fsr-3294	1	86	,	,	PUNCT
fsr-3294	1	87	usa	usa	PROPN
fsr-3294	1	88	duniversity	duniversity	NOUN
fsr-3294	1	89	of	of	ADP
fsr-3294	1	90	georgia	georgia	PROPN
fsr-3294	1	91	,	,	PUNCT
fsr-3294	1	92	205	205	NUM
fsr-3294	1	93	dawson	dawson	PROPN
fsr-3294	1	94	hall	hall	PROPN
fsr-3294	1	95	,	,	PUNCT
fsr-3294	1	96	athens	athens	PROPN
fsr-3294	1	97	,	,	PUNCT
fsr-3294	1	98	ga	ga	PROPN
fsr-3294	1	99	30602	30602	NUM
fsr-3294	1	100	-	-	SYM
fsr-3294	1	101	2622	2622	NUM
fsr-3294	1	102	,	,	PUNCT
fsr-3294	1	103	usa	usa	PROPN
fsr-3294	1	104	abstract	abstract	PROPN
fsr-3294	1	105	lowand	lowand	ADJ
fsr-3294	1	106	middle	middle	ADJ
fsr-3294	1	107	-	-	PUNCT
fsr-3294	1	108	income	income	NOUN
fsr-3294	1	109	employees	employee	NOUN
fsr-3294	1	110	make	make	VERB
fsr-3294	1	111	up	up	ADP
fsr-3294	1	112	the	the	DET
fsr-3294	1	113	bulk	bulk	NOUN
fsr-3294	1	114	of	of	ADP
fsr-3294	1	115	potential	potential	ADJ
fsr-3294	1	116	participants	participant	NOUN
fsr-3294	1	117	in	in	ADP
fsr-3294	1	118	employer	employer	NOUN
fsr-3294	1	119	sponsored	sponsor	VERB
fsr-3294	1	120	retirement	retirement	NOUN
fsr-3294	1	121	plans	plan	NOUN
fsr-3294	1	122	;	;	PUNCT
fsr-3294	1	123	however	however	ADV
fsr-3294	1	124	,	,	PUNCT
fsr-3294	1	125	employers	employer	NOUN
fsr-3294	1	126	find	find	VERB
fsr-3294	1	127	it	it	PRON
fsr-3294	1	128	difficult	difficult	ADJ
fsr-3294	1	129	to	to	PART
fsr-3294	1	130	alter	alter	VERB
fsr-3294	1	131	their	their	PRON
fsr-3294	1	132	savings	saving	NOUN
fsr-3294	1	133	behavior	behavior	NOUN
fsr-3294	1	134	.	.	PUNCT
fsr-3294	2	1	financial	financial	ADJ
fsr-3294	2	2	crises	crisis	NOUN
fsr-3294	2	3	may	may	AUX
fsr-3294	2	4	have	have	VERB
fsr-3294	2	5	unintended	unintended	ADJ
fsr-3294	2	6	positive	positive	ADJ
fsr-3294	2	7	effects	effect	NOUN
fsr-3294	2	8	on	on	ADP
fsr-3294	2	9	low	low	ADJ
fsr-3294	2	10	-	-	PUNCT
fsr-3294	2	11	income	income	NOUN
fsr-3294	2	12	employees	employee	NOUN
fsr-3294	2	13	’	’	PART
fsr-3294	2	14	behavior	behavior	NOUN
fsr-3294	2	15	.	.	PUNCT
fsr-3294	3	1	therefore	therefore	ADV
fsr-3294	3	2	,	,	PUNCT
fsr-3294	3	3	this	this	DET
fsr-3294	3	4	study	study	NOUN
fsr-3294	3	5	examined	examine	VERB
fsr-3294	3	6	the	the	DET
fsr-3294	3	7	effect	effect	NOUN
fsr-3294	3	8	of	of	ADP
fsr-3294	3	9	the	the	DET
fsr-3294	3	10	2007–2009	2007–2009	NUM
fsr-3294	3	11	financial	financial	ADJ
fsr-3294	3	12	crisis	crisis	NOUN
fsr-3294	3	13	on	on	ADP
fsr-3294	3	14	employees	employee	NOUN
fsr-3294	3	15	’	’	PART
fsr-3294	3	16	financial	financial	ADJ
fsr-3294	3	17	behaviors	behavior	NOUN
fsr-3294	3	18	;	;	PUNCT
fsr-3294	3	19	through	through	ADP
fsr-3294	3	20	ordered	order	VERB
fsr-3294	3	21	logistic	logistic	ADJ
fsr-3294	3	22	regression	regression	NOUN
fsr-3294	3	23	analyses	analysis	NOUN
fsr-3294	3	24	of	of	ADP
fsr-3294	3	25	data	datum	NOUN
fsr-3294	3	26	from	from	ADP
fsr-3294	3	27	the	the	DET
fsr-3294	3	28	survey	survey	NOUN
fsr-3294	3	29	of	of	ADP
fsr-3294	3	30	consumer	consumer	NOUN
fsr-3294	3	31	finances	finance	NOUN
fsr-3294	3	32	.	.	PUNCT
fsr-3294	4	1	following	follow	VERB
fsr-3294	4	2	the	the	DET
fsr-3294	4	3	crisis	crisis	NOUN
fsr-3294	4	4	,	,	PUNCT
fsr-3294	4	5	all	all	DET
fsr-3294	4	6	employees	employee	NOUN
fsr-3294	4	7	’	'	PUNCT
fsr-3294	4	8	and	and	CCONJ
fsr-3294	4	9	low	low	ADJ
fsr-3294	4	10	-	-	PUNCT
fsr-3294	4	11	income	income	NOUN
fsr-3294	4	12	employees	employee	NOUN
fsr-3294	4	13	’	’	PART
fsr-3294	4	14	savings	saving	NOUN
fsr-3294	4	15	behavior	behavior	NOUN
fsr-3294	4	16	significantly	significantly	ADV
fsr-3294	4	17	improved	improve	VERB
fsr-3294	4	18	.	.	PUNCT
fsr-3294	5	1	moreover	moreover	ADV
fsr-3294	5	2	,	,	PUNCT
fsr-3294	5	3	all	all	DET
fsr-3294	5	4	employees	employee	NOUN
fsr-3294	5	5	’	’	PART
fsr-3294	5	6	cash	cash	NOUN
fsr-3294	5	7	flow	flow	NOUN
fsr-3294	5	8	management	management	NOUN
fsr-3294	5	9	behavior	behavior	NOUN
fsr-3294	5	10	improved	improve	VERB
fsr-3294	5	11	following	follow	VERB
fsr-3294	5	12	the	the	DET
fsr-3294	5	13	crisis	crisis	NOUN
fsr-3294	5	14	,	,	PUNCT
fsr-3294	5	15	while	while	SCONJ
fsr-3294	5	16	it	it	PRON
fsr-3294	5	17	had	have	VERB
fsr-3294	5	18	no	no	DET
fsr-3294	5	19	effect	effect	NOUN
fsr-3294	5	20	on	on	ADP
fsr-3294	5	21	low	low	ADJ
fsr-3294	5	22	-	-	PUNCT
fsr-3294	5	23	income	income	NOUN
fsr-3294	5	24	employees	employee	NOUN
fsr-3294	5	25	’	’	PART
fsr-3294	5	26	cash	cash	NOUN
fsr-3294	5	27	flow	flow	NOUN
fsr-3294	5	28	management	management	NOUN
fsr-3294	5	29	behavior	behavior	NOUN
fsr-3294	5	30	.	.	PUNCT
fsr-3294	6	1	©	©	PROPN
fsr-3294	6	2	2017	2017	NUM
fsr-3294	6	3	academy	academy	NOUN
fsr-3294	6	4	of	of	ADP
fsr-3294	6	5	financial	financial	ADJ
fsr-3294	6	6	services	service	NOUN
fsr-3294	6	7	.	.	PUNCT
fsr-3294	7	1	all	all	DET
fsr-3294	7	2	rights	right	NOUN
fsr-3294	7	3	reserved	reserve	VERB
fsr-3294	7	4	.	.	PUNCT
fsr-3294	8	1	jel	jel	PROPN
fsr-3294	8	2	classification	classification	NOUN
fsr-3294	8	3	:	:	PUNCT
fsr-3294	8	4	d14	d14	NOUN
fsr-3294	8	5	keywords	keyword	NOUN
fsr-3294	8	6	:	:	PUNCT
fsr-3294	8	7	financial	financial	ADJ
fsr-3294	8	8	behaviors	behavior	NOUN
fsr-3294	8	9	;	;	PUNCT
fsr-3294	8	10	low	low	ADJ
fsr-3294	8	11	-	-	PUNCT
fsr-3294	8	12	income	income	NOUN
fsr-3294	8	13	employees	employee	NOUN
fsr-3294	8	14	;	;	PUNCT
fsr-3294	8	15	financial	financial	ADJ
fsr-3294	8	16	crisis	crisis	NOUN
fsr-3294	8	17	1	1	NUM
fsr-3294	8	18	.	.	PUNCT
fsr-3294	8	19	introduction	introduction	NOUN
fsr-3294	8	20	in	in	ADP
fsr-3294	8	21	2013	2013	NUM
fsr-3294	8	22	,	,	PUNCT
fsr-3294	8	23	only	only	ADV
fsr-3294	8	24	40.8	40.8	NUM
fsr-3294	8	25	%	%	NOUN
fsr-3294	8	26	of	of	ADP
fsr-3294	8	27	all	all	DET
fsr-3294	8	28	american	american	ADJ
fsr-3294	8	29	workers	worker	NOUN
fsr-3294	8	30	between	between	ADP
fsr-3294	8	31	the	the	DET
fsr-3294	8	32	ages	age	NOUN
fsr-3294	8	33	of	of	ADP
fsr-3294	8	34	25	25	NUM
fsr-3294	8	35	and	and	CCONJ
fsr-3294	8	36	64	64	NUM
fsr-3294	8	37	participated	participate	VERB
fsr-3294	8	38	in	in	ADP
fsr-3294	8	39	an	an	DET
fsr-3294	8	40	employer	employer	NOUN
fsr-3294	8	41	-	-	PUNCT
fsr-3294	8	42	sponsored	sponsor	VERB
fsr-3294	8	43	retirement	retirement	NOUN
fsr-3294	8	44	plan	plan	NOUN
fsr-3294	8	45	(	(	PUNCT
fsr-3294	8	46	copeland	copeland	PROPN
fsr-3294	8	47	,	,	PUNCT
fsr-3294	8	48	2014	2014	NUM
fsr-3294	8	49	)	)	PUNCT
fsr-3294	8	50	.	.	PUNCT
fsr-3294	9	1	this	this	DET
fsr-3294	9	2	low	low	ADJ
fsr-3294	9	3	participation	participation	NOUN
fsr-3294	9	4	rate	rate	NOUN
fsr-3294	9	5	is	be	AUX
fsr-3294	9	6	*	*	PUNCT
fsr-3294	9	7	corresponding	correspond	VERB
fsr-3294	9	8	author	author	NOUN
fsr-3294	9	9	.	.	PUNCT
fsr-3294	10	1	tel	tel	PROPN
fsr-3294	10	2	.	.	PUNCT
fsr-3294	10	3	:	:	PUNCT
fsr-3294	11	1	�	�	PROPN
fsr-3294	11	2	1	1	NUM
fsr-3294	11	3	-	-	SYM
fsr-3294	11	4	404	404	NUM
fsr-3294	11	5	-	-	PUNCT
fsr-3294	11	6	880	880	NUM
fsr-3294	11	7	-	-	PUNCT
fsr-3294	11	8	6413	6413	NUM
fsr-3294	11	9	;	;	PUNCT
fsr-3294	11	10	fax	fax	NOUN
fsr-3294	11	11	:	:	PUNCT
fsr-3294	11	12	�	�	PROPN
fsr-3294	11	13	1-(404)-880	1-(404)-880	NUM
fsr-3294	11	14	-	-	SYM
fsr-3294	11	15	6276	6276	NUM
fsr-3294	11	16	.	.	PUNCT
fsr-3294	12	1	e	e	X
fsr-3294	12	2	-	-	NOUN
fsr-3294	12	3	mail	mail	NOUN
fsr-3294	12	4	address	address	NOUN
fsr-3294	12	5	:	:	PUNCT
fsr-3294	12	6	crhudson@cau.edu	crhudson@cau.edu	PROPN
fsr-3294	12	7	(	(	PUNCT
fsr-3294	12	8	c.	c.	PROPN
fsr-3294	12	9	hudson	hudson	PROPN
fsr-3294	12	10	)	)	PUNCT
fsr-3294	12	11	financial	financial	PROPN
fsr-3294	12	12	services	service	NOUN
fsr-3294	12	13	review	review	VERB
fsr-3294	12	14	26	26	NUM
fsr-3294	12	15	(	(	PUNCT
fsr-3294	12	16	2017	2017	NUM
fsr-3294	12	17	)	)	PUNCT
fsr-3294	12	18	19–36	19–36	NUM
fsr-3294	12	19	1057	1057	NUM
fsr-3294	12	20	-	-	SYM
fsr-3294	12	21	0810/17/$	0810/17/$	NUM
fsr-3294	12	22	–	–	PUNCT
fsr-3294	12	23	see	see	VERB
fsr-3294	12	24	front	front	ADJ
fsr-3294	12	25	matter	matter	NOUN
fsr-3294	12	26	©	©	PROPN
fsr-3294	12	27	2017	2017	NUM
fsr-3294	12	28	academy	academy	NOUN
fsr-3294	12	29	of	of	ADP
fsr-3294	12	30	financial	financial	ADJ
fsr-3294	12	31	services	service	NOUN
fsr-3294	12	32	.	.	PUNCT
fsr-3294	13	1	all	all	DET
fsr-3294	13	2	rights	right	NOUN
fsr-3294	13	3	reserved	reserve	VERB
fsr-3294	13	4	.	.	PUNCT
fsr-3294	14	1	most	most	ADV
fsr-3294	14	2	likely	likely	ADJ
fsr-3294	14	3	because	because	SCONJ
fsr-3294	14	4	of	of	ADP
fsr-3294	14	5	employees	employee	NOUN
fsr-3294	14	6	’	'	PUNCT
fsr-3294	14	7	lack	lack	NOUN
fsr-3294	14	8	of	of	ADP
fsr-3294	14	9	financial	financial	ADJ
fsr-3294	14	10	literacy	literacy	NOUN
fsr-3294	14	11	,	,	PUNCT
fsr-3294	14	12	lack	lack	NOUN
fsr-3294	14	13	of	of	ADP
fsr-3294	14	14	money	money	NOUN
fsr-3294	14	15	management	management	NOUN
fsr-3294	14	16	skills	skill	NOUN
fsr-3294	14	17	,	,	PUNCT
fsr-3294	14	18	and	and	CCONJ
fsr-3294	14	19	their	their	PRON
fsr-3294	14	20	inability	inability	NOUN
fsr-3294	14	21	to	to	PART
fsr-3294	14	22	save	save	VERB
fsr-3294	14	23	for	for	ADP
fsr-3294	14	24	the	the	DET
fsr-3294	14	25	future	future	NOUN
fsr-3294	14	26	(	(	PUNCT
fsr-3294	14	27	lusardi	lusardi	PROPN
fsr-3294	14	28	&	&	CCONJ
fsr-3294	14	29	mitchell	mitchell	PROPN
fsr-3294	14	30	,	,	PUNCT
fsr-3294	14	31	2011	2011	NUM
fsr-3294	14	32	)	)	PUNCT
fsr-3294	14	33	.	.	PUNCT
fsr-3294	15	1	employees	employee	NOUN
fsr-3294	15	2	need	need	VERB
fsr-3294	15	3	a	a	DET
fsr-3294	15	4	certain	certain	ADJ
fsr-3294	15	5	level	level	NOUN
fsr-3294	15	6	of	of	ADP
fsr-3294	15	7	financial	financial	ADJ
fsr-3294	15	8	literacy	literacy	NOUN
fsr-3294	15	9	to	to	PART
fsr-3294	15	10	manage	manage	VERB
fsr-3294	15	11	their	their	PRON
fsr-3294	15	12	financial	financial	ADJ
fsr-3294	15	13	affairs	affair	NOUN
fsr-3294	15	14	in	in	ADP
fsr-3294	15	15	today	today	NOUN
fsr-3294	15	16	’s	’s	PART
fsr-3294	15	17	ever	ever	ADV
fsr-3294	15	18	-	-	PUNCT
fsr-3294	15	19	changing	change	VERB
fsr-3294	15	20	financial	financial	ADJ
fsr-3294	15	21	environment	environment	NOUN
fsr-3294	15	22	(	(	PUNCT
fsr-3294	15	23	braunstein	braunstein	NOUN
fsr-3294	15	24	&	&	CCONJ
fsr-3294	15	25	welch	welch	PROPN
fsr-3294	15	26	,	,	PUNCT
fsr-3294	15	27	2002	2002	NUM
fsr-3294	15	28	;	;	PUNCT
fsr-3294	15	29	hogarth	hogarth	NOUN
fsr-3294	15	30	,	,	PUNCT
fsr-3294	15	31	beverly	beverly	PROPN
fsr-3294	15	32	,	,	PUNCT
fsr-3294	15	33	&	&	CCONJ
fsr-3294	15	34	hilgert	hilgert	PROPN
fsr-3294	15	35	,	,	PUNCT
fsr-3294	15	36	2003	2003	NUM
fsr-3294	15	37	;	;	PUNCT
fsr-3294	15	38	loibl	loibl	PROPN
fsr-3294	15	39	&	&	CCONJ
fsr-3294	15	40	hira	hira	PROPN
fsr-3294	15	41	,	,	PUNCT
fsr-3294	15	42	2005	2005	NUM
fsr-3294	15	43	,	,	PUNCT
fsr-3294	15	44	2006	2006	NUM
fsr-3294	15	45	;	;	PUNCT
fsr-3294	15	46	volpe	volpe	PROPN
fsr-3294	15	47	,	,	PUNCT
fsr-3294	15	48	chen	chen	PROPN
fsr-3294	15	49	,	,	PUNCT
fsr-3294	15	50	&	&	CCONJ
fsr-3294	15	51	liu	liu	PROPN
fsr-3294	15	52	,	,	PUNCT
fsr-3294	15	53	2006	2006	NUM
fsr-3294	15	54	)	)	PUNCT
fsr-3294	15	55	.	.	PUNCT
fsr-3294	16	1	additionally	additionally	ADV
fsr-3294	16	2	,	,	PUNCT
fsr-3294	16	3	increased	increase	VERB
fsr-3294	16	4	financial	financial	ADJ
fsr-3294	16	5	sophistication	sophistication	NOUN
fsr-3294	16	6	is	be	AUX
fsr-3294	16	7	necessary	necessary	ADJ
fsr-3294	16	8	,	,	PUNCT
fsr-3294	16	9	as	as	SCONJ
fsr-3294	16	10	financial	financial	ADJ
fsr-3294	16	11	brokers	broker	NOUN
fsr-3294	16	12	sometimes	sometimes	ADV
fsr-3294	16	13	push	push	VERB
fsr-3294	16	14	risky	risky	ADJ
fsr-3294	16	15	and	and	CCONJ
fsr-3294	16	16	complex	complex	ADJ
fsr-3294	16	17	financial	financial	ADJ
fsr-3294	16	18	products	product	NOUN
fsr-3294	16	19	on	on	ADP
fsr-3294	16	20	unsuspecting	unsuspecting	ADJ
fsr-3294	16	21	consumers	consumer	NOUN
fsr-3294	16	22	(	(	PUNCT
fsr-3294	16	23	asaad	asaad	PROPN
fsr-3294	16	24	,	,	PUNCT
fsr-3294	16	25	2014	2014	NUM
fsr-3294	16	26	;	;	PUNCT
fsr-3294	16	27	lyons	lyons	PROPN
fsr-3294	16	28	&	&	CCONJ
fsr-3294	16	29	scherpf	scherpf	NOUN
fsr-3294	16	30	,	,	PUNCT
fsr-3294	16	31	2004	2004	NUM
fsr-3294	16	32	)	)	PUNCT
fsr-3294	16	33	.	.	PUNCT
fsr-3294	17	1	in	in	ADP
fsr-3294	17	2	2013	2013	NUM
fsr-3294	17	3	,	,	PUNCT
fsr-3294	17	4	only	only	ADV
fsr-3294	17	5	16	16	NUM
fsr-3294	17	6	%	%	NOUN
fsr-3294	17	7	of	of	ADP
fsr-3294	17	8	employees	employee	NOUN
fsr-3294	17	9	making	make	VERB
fsr-3294	17	10	less	less	ADJ
fsr-3294	17	11	than	than	ADP
fsr-3294	17	12	$	$	SYM
fsr-3294	17	13	20,000	20,000	NUM
fsr-3294	17	14	per	per	ADP
fsr-3294	17	15	year	year	NOUN
fsr-3294	17	16	participated	participate	VERB
fsr-3294	17	17	in	in	ADP
fsr-3294	17	18	an	an	DET
fsr-3294	17	19	employer	employer	NOUN
fsr-3294	17	20	-	-	PUNCT
fsr-3294	17	21	sponsored	sponsor	VERB
fsr-3294	17	22	retirement	retirement	NOUN
fsr-3294	17	23	plan	plan	NOUN
fsr-3294	17	24	(	(	PUNCT
fsr-3294	17	25	copeland	copeland	PROPN
fsr-3294	17	26	,	,	PUNCT
fsr-3294	17	27	2014	2014	NUM
fsr-3294	17	28	)	)	PUNCT
fsr-3294	17	29	.	.	PUNCT
fsr-3294	18	1	on	on	ADP
fsr-3294	18	2	average	average	ADJ
fsr-3294	18	3	,	,	PUNCT
fsr-3294	18	4	lower	low	ADJ
fsr-3294	18	5	income	income	NOUN
fsr-3294	18	6	employees	employee	NOUN
fsr-3294	18	7	are	be	AUX
fsr-3294	18	8	particularly	particularly	ADV
fsr-3294	18	9	ill	ill	ADV
fsr-3294	18	10	-	-	PUNCT
fsr-3294	18	11	equipped	equipped	ADJ
fsr-3294	18	12	to	to	PART
fsr-3294	18	13	navigate	navigate	VERB
fsr-3294	18	14	today	today	NOUN
fsr-3294	18	15	’s	’s	PART
fsr-3294	18	16	financial	financial	ADJ
fsr-3294	18	17	environment	environment	NOUN
fsr-3294	18	18	,	,	PUNCT
fsr-3294	18	19	or	or	CCONJ
fsr-3294	18	20	to	to	PART
fsr-3294	18	21	make	make	VERB
fsr-3294	18	22	sound	sound	ADJ
fsr-3294	18	23	financial	financial	ADJ
fsr-3294	18	24	decisions	decision	NOUN
fsr-3294	18	25	to	to	PART
fsr-3294	18	26	enhance	enhance	VERB
fsr-3294	18	27	their	their	PRON
fsr-3294	18	28	financial	financial	ADJ
fsr-3294	18	29	well	well	NOUN
fsr-3294	18	30	-	-	PUNCT
fsr-3294	18	31	being	being	NOUN
fsr-3294	18	32	,	,	PUNCT
fsr-3294	18	33	and	and	CCONJ
fsr-3294	18	34	they	they	PRON
fsr-3294	18	35	lack	lack	VERB
fsr-3294	18	36	the	the	DET
fsr-3294	18	37	financial	financial	ADJ
fsr-3294	18	38	knowledge	knowledge	NOUN
fsr-3294	18	39	and	and	CCONJ
fsr-3294	18	40	education	education	NOUN
fsr-3294	18	41	needed	need	VERB
fsr-3294	18	42	to	to	PART
fsr-3294	18	43	improve	improve	VERB
fsr-3294	18	44	their	their	PRON
fsr-3294	18	45	financial	financial	ADJ
fsr-3294	18	46	situation	situation	NOUN
fsr-3294	18	47	(	(	PUNCT
fsr-3294	18	48	andersen	andersen	PROPN
fsr-3294	18	49	,	,	PUNCT
fsr-3294	18	50	zhan	zhan	PROPN
fsr-3294	18	51	,	,	PUNCT
fsr-3294	18	52	&	&	CCONJ
fsr-3294	18	53	scott	scott	PROPN
fsr-3294	18	54	,	,	PUNCT
fsr-3294	18	55	2004	2004	NUM
fsr-3294	18	56	;	;	PUNCT
fsr-3294	18	57	hudson	hudson	PROPN
fsr-3294	18	58	&	&	CCONJ
fsr-3294	18	59	palmer	palmer	PROPN
fsr-3294	18	60	,	,	PUNCT
fsr-3294	18	61	2014	2014	NUM
fsr-3294	18	62	;	;	PUNCT
fsr-3294	18	63	lusardi	lusardi	PROPN
fsr-3294	18	64	&	&	CCONJ
fsr-3294	18	65	mitchell	mitchell	PROPN
fsr-3294	18	66	,	,	PUNCT
fsr-3294	18	67	2005	2005	NUM
fsr-3294	18	68	;	;	PUNCT
fsr-3294	18	69	lyons	lyons	PROPN
fsr-3294	18	70	,	,	PUNCT
fsr-3294	18	71	chang	chang	PROPN
fsr-3294	18	72	,	,	PUNCT
fsr-3294	18	73	&	&	CCONJ
fsr-3294	18	74	scherpf	scherpf	NOUN
fsr-3294	18	75	,	,	PUNCT
fsr-3294	18	76	2006	2006	NUM
fsr-3294	18	77	)	)	PUNCT
fsr-3294	18	78	.	.	PUNCT
fsr-3294	19	1	additionally	additionally	ADV
fsr-3294	19	2	,	,	PUNCT
fsr-3294	19	3	lower	low	ADJ
fsr-3294	19	4	income	income	NOUN
fsr-3294	19	5	individuals	individual	NOUN
fsr-3294	19	6	have	have	AUX
fsr-3294	19	7	always	always	ADV
fsr-3294	19	8	had	have	VERB
fsr-3294	19	9	challenges	challenge	NOUN
fsr-3294	19	10	saving	save	VERB
fsr-3294	19	11	for	for	ADP
fsr-3294	19	12	emergencies	emergency	NOUN
fsr-3294	19	13	and	and	CCONJ
fsr-3294	19	14	saving	save	VERB
fsr-3294	19	15	for	for	ADP
fsr-3294	19	16	retirement	retirement	NOUN
fsr-3294	19	17	(	(	PUNCT
fsr-3294	19	18	fisher	fisher	PROPN
fsr-3294	19	19	,	,	PUNCT
fsr-3294	19	20	hayhoe	hayhoe	NOUN
fsr-3294	19	21	,	,	PUNCT
fsr-3294	19	22	&	&	CCONJ
fsr-3294	19	23	lown	lown	PROPN
fsr-3294	19	24	,	,	PUNCT
fsr-3294	19	25	2015	2015	NUM
fsr-3294	19	26	)	)	PUNCT
fsr-3294	19	27	.	.	PUNCT
fsr-3294	20	1	opportunities	opportunity	NOUN
fsr-3294	20	2	to	to	PART
fsr-3294	20	3	expand	expand	VERB
fsr-3294	20	4	savings	saving	NOUN
fsr-3294	20	5	and	and	CCONJ
fsr-3294	20	6	improve	improve	VERB
fsr-3294	20	7	cash	cash	NOUN
fsr-3294	20	8	flow	flow	NOUN
fsr-3294	20	9	management	management	NOUN
fsr-3294	20	10	practices	practice	NOUN
fsr-3294	20	11	of	of	ADP
fsr-3294	20	12	employees	employee	NOUN
fsr-3294	20	13	could	could	AUX
fsr-3294	20	14	lead	lead	VERB
fsr-3294	20	15	to	to	ADP
fsr-3294	20	16	greater	great	ADJ
fsr-3294	20	17	retirement	retirement	NOUN
fsr-3294	20	18	plan	plan	NOUN
fsr-3294	20	19	participation	participation	NOUN
fsr-3294	20	20	and	and	CCONJ
fsr-3294	20	21	savings	saving	NOUN
fsr-3294	20	22	rates	rate	NOUN
fsr-3294	20	23	.	.	PUNCT
fsr-3294	21	1	thus	thus	ADV
fsr-3294	21	2	,	,	PUNCT
fsr-3294	21	3	low	low	ADJ
fsr-3294	21	4	-	-	PUNCT
fsr-3294	21	5	income	income	NOUN
fsr-3294	21	6	employees	employee	NOUN
fsr-3294	21	7	can	can	AUX
fsr-3294	21	8	represent	represent	VERB
fsr-3294	21	9	growth	growth	NOUN
fsr-3294	21	10	for	for	ADP
fsr-3294	21	11	this	this	DET
fsr-3294	21	12	market	market	NOUN
fsr-3294	21	13	if	if	SCONJ
fsr-3294	21	14	more	more	ADJ
fsr-3294	21	15	is	be	AUX
fsr-3294	21	16	understood	understand	VERB
fsr-3294	21	17	about	about	ADP
fsr-3294	21	18	their	their	PRON
fsr-3294	21	19	financial	financial	ADJ
fsr-3294	21	20	behavior	behavior	NOUN
fsr-3294	21	21	.	.	PUNCT
fsr-3294	22	1	the	the	DET
fsr-3294	22	2	financial	financial	ADJ
fsr-3294	22	3	crisis	crisis	NOUN
fsr-3294	22	4	from	from	ADP
fsr-3294	22	5	2007	2007	NUM
fsr-3294	22	6	to	to	ADP
fsr-3294	22	7	2009	2009	NUM
fsr-3294	22	8	provides	provide	VERB
fsr-3294	22	9	an	an	DET
fsr-3294	22	10	opportunity	opportunity	NOUN
fsr-3294	22	11	to	to	PART
fsr-3294	22	12	examine	examine	VERB
fsr-3294	22	13	whether	whether	SCONJ
fsr-3294	22	14	financial	financial	ADJ
fsr-3294	22	15	behaviors	behavior	NOUN
fsr-3294	22	16	changed	change	VERB
fsr-3294	22	17	among	among	ADP
fsr-3294	22	18	all	all	DET
fsr-3294	22	19	employees	employee	NOUN
fsr-3294	22	20	,	,	PUNCT
fsr-3294	22	21	and	and	CCONJ
fsr-3294	22	22	specifically	specifically	ADV
fsr-3294	22	23	among	among	ADP
fsr-3294	22	24	low	low	ADJ
fsr-3294	22	25	-	-	PUNCT
fsr-3294	22	26	income	income	NOUN
fsr-3294	22	27	employees	employee	NOUN
fsr-3294	22	28	,	,	PUNCT
fsr-3294	22	29	as	as	ADP
fsr-3294	22	30	a	a	DET
fsr-3294	22	31	result	result	NOUN
fsr-3294	22	32	of	of	ADP
fsr-3294	22	33	external	external	ADJ
fsr-3294	22	34	influences	influence	NOUN
fsr-3294	22	35	.	.	PUNCT
fsr-3294	23	1	in	in	ADP
fsr-3294	23	2	this	this	DET
fsr-3294	23	3	crisis	crisis	NOUN
fsr-3294	23	4	,	,	PUNCT
fsr-3294	23	5	real	real	ADJ
fsr-3294	23	6	gross	gross	ADJ
fsr-3294	23	7	domestic	domestic	ADJ
fsr-3294	23	8	product	product	NOUN
fsr-3294	23	9	(	(	PUNCT
fsr-3294	23	10	gdp	gdp	NOUN
fsr-3294	23	11	)	)	PUNCT
fsr-3294	23	12	fell	fall	VERB
fsr-3294	23	13	by	by	ADP
fsr-3294	23	14	4.3	4.3	NUM
fsr-3294	23	15	%	%	NOUN
fsr-3294	23	16	,	,	PUNCT
fsr-3294	23	17	while	while	SCONJ
fsr-3294	23	18	housing	housing	NOUN
fsr-3294	23	19	prices	price	NOUN
fsr-3294	23	20	fell	fall	VERB
fsr-3294	23	21	by	by	ADP
fsr-3294	23	22	30	30	NUM
fsr-3294	23	23	%	%	NOUN
fsr-3294	23	24	(	(	PUNCT
fsr-3294	23	25	rich	rich	ADJ
fsr-3294	23	26	,	,	PUNCT
fsr-3294	23	27	2013	2013	NUM
fsr-3294	23	28	)	)	PUNCT
fsr-3294	23	29	.	.	PUNCT
fsr-3294	24	1	moreover	moreover	ADV
fsr-3294	24	2	,	,	PUNCT
fsr-3294	24	3	unemployment	unemployment	NOUN
fsr-3294	24	4	nearly	nearly	ADV
fsr-3294	24	5	doubled	double	VERB
fsr-3294	24	6	,	,	PUNCT
fsr-3294	24	7	from	from	ADP
fsr-3294	24	8	5	5	NUM
fsr-3294	24	9	%	%	NOUN
fsr-3294	24	10	in	in	ADP
fsr-3294	24	11	december	december	PROPN
fsr-3294	24	12	2007	2007	NUM
fsr-3294	24	13	to	to	ADP
fsr-3294	24	14	9.5	9.5	NUM
fsr-3294	24	15	%	%	NOUN
fsr-3294	24	16	in	in	ADP
fsr-3294	24	17	june	june	PROPN
fsr-3294	24	18	2009	2009	NUM
fsr-3294	24	19	(	(	PUNCT
fsr-3294	24	20	rich	rich	ADJ
fsr-3294	24	21	,	,	PUNCT
fsr-3294	24	22	2013	2013	NUM
fsr-3294	24	23	)	)	PUNCT
fsr-3294	24	24	.	.	PUNCT
fsr-3294	25	1	the	the	DET
fsr-3294	25	2	2007–2009	2007–2009	NUM
fsr-3294	25	3	financial	financial	ADJ
fsr-3294	25	4	crisis	crisis	NOUN
fsr-3294	25	5	hit	hit	VERB
fsr-3294	25	6	most	most	ADJ
fsr-3294	25	7	americans	american	NOUN
fsr-3294	25	8	the	the	DET
fsr-3294	25	9	hardest	hard	ADJ
fsr-3294	25	10	in	in	ADP
fsr-3294	25	11	the	the	DET
fsr-3294	25	12	form	form	NOUN
fsr-3294	25	13	of	of	ADP
fsr-3294	25	14	unemployment	unemployment	NOUN
fsr-3294	25	15	,	,	PUNCT
fsr-3294	25	16	lost	lose	VERB
fsr-3294	25	17	wealth	wealth	NOUN
fsr-3294	25	18	,	,	PUNCT
fsr-3294	25	19	and	and	CCONJ
fsr-3294	25	20	housing	housing	NOUN
fsr-3294	25	21	insecurity	insecurity	NOUN
fsr-3294	25	22	(	(	PUNCT
fsr-3294	25	23	bricker	bricker	NOUN
fsr-3294	25	24	,	,	PUNCT
fsr-3294	25	25	bucks	buck	NOUN
fsr-3294	25	26	,	,	PUNCT
fsr-3294	25	27	kennickell	kennickell	NOUN
fsr-3294	25	28	,	,	PUNCT
fsr-3294	25	29	mach	mach	NOUN
fsr-3294	25	30	,	,	PUNCT
fsr-3294	25	31	&	&	CCONJ
fsr-3294	25	32	moore	moore	PROPN
fsr-3294	25	33	,	,	PUNCT
fsr-3294	25	34	2011	2011	NUM
fsr-3294	25	35	;	;	PUNCT
fsr-3294	25	36	taylor	taylor	PROPN
fsr-3294	25	37	et	et	PROPN
fsr-3294	25	38	al	al	PROPN
fsr-3294	25	39	.	.	PROPN
fsr-3294	25	40	,	,	PUNCT
fsr-3294	25	41	2010	2010	NUM
fsr-3294	25	42	)	)	PUNCT
fsr-3294	25	43	.	.	PUNCT
fsr-3294	26	1	this	this	DET
fsr-3294	26	2	dramatic	dramatic	ADJ
fsr-3294	26	3	financial	financial	ADJ
fsr-3294	26	4	event	event	NOUN
fsr-3294	26	5	affected	affect	VERB
fsr-3294	26	6	every	every	DET
fsr-3294	26	7	american	american	PROPN
fsr-3294	26	8	,	,	PUNCT
fsr-3294	26	9	either	either	CCONJ
fsr-3294	26	10	directly	directly	ADV
fsr-3294	26	11	or	or	CCONJ
fsr-3294	26	12	indirectly	indirectly	ADV
fsr-3294	26	13	,	,	PUNCT
fsr-3294	26	14	through	through	ADP
fsr-3294	26	15	close	close	ADJ
fsr-3294	26	16	friends	friend	NOUN
fsr-3294	26	17	or	or	CCONJ
fsr-3294	26	18	family	family	NOUN
fsr-3294	26	19	,	,	PUNCT
fsr-3294	26	20	and	and	CCONJ
fsr-3294	26	21	provided	provide	VERB
fsr-3294	26	22	ample	ample	ADJ
fsr-3294	26	23	opportunities	opportunity	NOUN
fsr-3294	26	24	for	for	ADP
fsr-3294	26	25	deep	deep	ADJ
fsr-3294	26	26	reflection	reflection	NOUN
fsr-3294	26	27	and	and	CCONJ
fsr-3294	26	28	evaluation	evaluation	NOUN
fsr-3294	26	29	of	of	ADP
fsr-3294	26	30	savings	saving	NOUN
fsr-3294	26	31	and	and	CCONJ
fsr-3294	26	32	cash	cash	NOUN
fsr-3294	26	33	flow	flow	NOUN
fsr-3294	26	34	management	management	NOUN
fsr-3294	26	35	practices	practice	NOUN
fsr-3294	26	36	.	.	PUNCT
fsr-3294	27	1	while	while	SCONJ
fsr-3294	27	2	a	a	DET
fsr-3294	27	3	crisis	crisis	NOUN
fsr-3294	27	4	could	could	AUX
fsr-3294	27	5	represent	represent	VERB
fsr-3294	27	6	a	a	DET
fsr-3294	27	7	threat	threat	NOUN
fsr-3294	27	8	to	to	ADP
fsr-3294	27	9	one	one	PRON
fsr-3294	27	10	’s	’s	PART
fsr-3294	27	11	present	present	ADJ
fsr-3294	27	12	well	well	ADV
fsr-3294	27	13	-	-	PUNCT
fsr-3294	27	14	being	being	NOUN
fsr-3294	27	15	,	,	PUNCT
fsr-3294	27	16	it	it	PRON
fsr-3294	27	17	could	could	AUX
fsr-3294	27	18	also	also	ADV
fsr-3294	27	19	represent	represent	VERB
fsr-3294	27	20	an	an	DET
fsr-3294	27	21	opportunity	opportunity	NOUN
fsr-3294	27	22	for	for	ADP
fsr-3294	27	23	growth	growth	NOUN
fsr-3294	27	24	,	,	PUNCT
fsr-3294	27	25	mastery	mastery	NOUN
fsr-3294	27	26	,	,	PUNCT
fsr-3294	27	27	and	and	CCONJ
fsr-3294	27	28	gains	gain	NOUN
fsr-3294	27	29	(	(	PUNCT
fsr-3294	27	30	slaikeu	slaikeu	ADJ
fsr-3294	27	31	,	,	PUNCT
fsr-3294	27	32	1990	1990	NUM
fsr-3294	27	33	)	)	PUNCT
fsr-3294	27	34	.	.	PUNCT
fsr-3294	28	1	in	in	ADP
fsr-3294	28	2	other	other	ADJ
fsr-3294	28	3	words	word	NOUN
fsr-3294	28	4	,	,	PUNCT
fsr-3294	28	5	could	could	AUX
fsr-3294	28	6	an	an	DET
fsr-3294	28	7	otherwise	otherwise	ADV
fsr-3294	28	8	detrimental	detrimental	ADJ
fsr-3294	28	9	financial	financial	ADJ
fsr-3294	28	10	crisis	crisis	NOUN
fsr-3294	28	11	have	have	VERB
fsr-3294	28	12	a	a	DET
fsr-3294	28	13	positive	positive	ADJ
fsr-3294	28	14	effect	effect	NOUN
fsr-3294	28	15	on	on	ADP
fsr-3294	28	16	employees	employee	NOUN
fsr-3294	28	17	’	’	PART
fsr-3294	28	18	financial	financial	ADJ
fsr-3294	28	19	behaviors	behavior	NOUN
fsr-3294	28	20	?	?	PUNCT
fsr-3294	29	1	the	the	DET
fsr-3294	29	2	purpose	purpose	NOUN
fsr-3294	29	3	of	of	ADP
fsr-3294	29	4	this	this	DET
fsr-3294	29	5	study	study	NOUN
fsr-3294	29	6	was	be	AUX
fsr-3294	29	7	to	to	PART
fsr-3294	29	8	examine	examine	VERB
fsr-3294	29	9	the	the	DET
fsr-3294	29	10	effects	effect	NOUN
fsr-3294	29	11	of	of	ADP
fsr-3294	29	12	the	the	DET
fsr-3294	29	13	2007–2009	2007–2009	NUM
fsr-3294	29	14	financial	financial	ADJ
fsr-3294	29	15	crisis	crisis	NOUN
fsr-3294	29	16	on	on	ADP
fsr-3294	29	17	employees	employee	NOUN
fsr-3294	29	18	’	'	PUNCT
fsr-3294	29	19	and	and	CCONJ
fsr-3294	29	20	low	low	ADJ
fsr-3294	29	21	-	-	PUNCT
fsr-3294	29	22	income	income	NOUN
fsr-3294	29	23	employees	employee	NOUN
fsr-3294	29	24	’	’	PART
fsr-3294	29	25	savings	saving	NOUN
fsr-3294	29	26	and	and	CCONJ
fsr-3294	29	27	cash	cash	NOUN
fsr-3294	29	28	flow	flow	NOUN
fsr-3294	29	29	management	management	NOUN
fsr-3294	29	30	behaviors	behavior	NOUN
fsr-3294	29	31	.	.	PUNCT
fsr-3294	30	1	thus	thus	ADV
fsr-3294	30	2	,	,	PUNCT
fsr-3294	30	3	this	this	DET
fsr-3294	30	4	research	research	NOUN
fsr-3294	30	5	contributes	contribute	VERB
fsr-3294	30	6	to	to	ADP
fsr-3294	30	7	the	the	DET
fsr-3294	30	8	literature	literature	NOUN
fsr-3294	30	9	by	by	ADP
fsr-3294	30	10	further	far	ADV
fsr-3294	30	11	identifying	identify	VERB
fsr-3294	30	12	factors	factor	NOUN
fsr-3294	30	13	that	that	PRON
fsr-3294	30	14	influence	influence	VERB
fsr-3294	30	15	organic	organic	ADJ
fsr-3294	30	16	financial	financial	ADJ
fsr-3294	30	17	behavior	behavior	NOUN
fsr-3294	30	18	changes	change	NOUN
fsr-3294	30	19	,	,	PUNCT
fsr-3294	30	20	including	include	VERB
fsr-3294	30	21	external	external	ADJ
fsr-3294	30	22	factors	factor	NOUN
fsr-3294	30	23	like	like	ADP
fsr-3294	30	24	a	a	DET
fsr-3294	30	25	financial	financial	ADJ
fsr-3294	30	26	crisis	crisis	NOUN
fsr-3294	30	27	,	,	PUNCT
fsr-3294	30	28	and	and	CCONJ
fsr-3294	30	29	examining	examine	VERB
fsr-3294	30	30	the	the	DET
fsr-3294	30	31	persistence	persistence	NOUN
fsr-3294	30	32	of	of	ADP
fsr-3294	30	33	such	such	ADJ
fsr-3294	30	34	changes	change	NOUN
fsr-3294	30	35	years	year	NOUN
fsr-3294	30	36	after	after	ADP
fsr-3294	30	37	the	the	DET
fsr-3294	30	38	external	external	ADJ
fsr-3294	30	39	influence	influence	NOUN
fsr-3294	30	40	.	.	PUNCT
fsr-3294	31	1	from	from	ADP
fsr-3294	31	2	this	this	PRON
fsr-3294	31	3	,	,	PUNCT
fsr-3294	31	4	appropriate	appropriate	ADJ
fsr-3294	31	5	supports	support	NOUN
fsr-3294	31	6	and	and	CCONJ
fsr-3294	31	7	systems	system	NOUN
fsr-3294	31	8	can	can	AUX
fsr-3294	31	9	be	be	AUX
fsr-3294	31	10	put	put	VERB
fsr-3294	31	11	into	into	ADP
fsr-3294	31	12	place	place	NOUN
fsr-3294	31	13	to	to	PART
fsr-3294	31	14	further	far	ADV
fsr-3294	31	15	reinforce	reinforce	VERB
fsr-3294	31	16	the	the	DET
fsr-3294	31	17	intrinsic	intrinsic	ADJ
fsr-3294	31	18	motivation	motivation	NOUN
fsr-3294	31	19	to	to	PART
fsr-3294	31	20	change	change	VERB
fsr-3294	31	21	financial	financial	ADJ
fsr-3294	31	22	behaviors	behavior	NOUN
fsr-3294	31	23	.	.	PUNCT
fsr-3294	32	1	furthermore	furthermore	ADV
fsr-3294	32	2	,	,	PUNCT
fsr-3294	32	3	while	while	SCONJ
fsr-3294	32	4	most	most	ADJ
fsr-3294	32	5	previous	previous	ADJ
fsr-3294	32	6	studies	study	NOUN
fsr-3294	32	7	explored	explore	VERB
fsr-3294	32	8	the	the	DET
fsr-3294	32	9	effects	effect	NOUN
fsr-3294	32	10	of	of	ADP
fsr-3294	32	11	a	a	DET
fsr-3294	32	12	financial	financial	ADJ
fsr-3294	32	13	crisis	crisis	NOUN
fsr-3294	32	14	on	on	ADP
fsr-3294	32	15	financial	financial	ADJ
fsr-3294	32	16	behaviors	behavior	NOUN
fsr-3294	32	17	of	of	ADP
fsr-3294	32	18	the	the	DET
fsr-3294	32	19	general	general	ADJ
fsr-3294	32	20	population	population	NOUN
fsr-3294	32	21	,	,	PUNCT
fsr-3294	32	22	this	this	DET
fsr-3294	32	23	study	study	NOUN
fsr-3294	32	24	is	be	AUX
fsr-3294	32	25	unique	unique	ADJ
fsr-3294	32	26	and	and	CCONJ
fsr-3294	32	27	adds	add	VERB
fsr-3294	32	28	to	to	ADP
fsr-3294	32	29	the	the	DET
fsr-3294	32	30	body	body	NOUN
fsr-3294	32	31	of	of	ADP
fsr-3294	32	32	literature	literature	NOUN
fsr-3294	32	33	by	by	ADP
fsr-3294	32	34	examining	examine	VERB
fsr-3294	32	35	the	the	DET
fsr-3294	32	36	effects	effect	NOUN
fsr-3294	32	37	of	of	ADP
fsr-3294	32	38	a	a	DET
fsr-3294	32	39	financial	financial	ADJ
fsr-3294	32	40	crisis	crisis	NOUN
fsr-3294	32	41	on	on	ADP
fsr-3294	32	42	employees	employee	NOUN
fsr-3294	32	43	’	’	PART
fsr-3294	32	44	financial	financial	ADJ
fsr-3294	32	45	behaviors	behavior	NOUN
fsr-3294	32	46	,	,	PUNCT
fsr-3294	32	47	because	because	SCONJ
fsr-3294	32	48	of	of	ADP
fsr-3294	32	49	their	their	PRON
fsr-3294	32	50	ready	ready	ADJ
fsr-3294	32	51	access	access	NOUN
fsr-3294	32	52	to	to	ADP
fsr-3294	32	53	retirement	retirement	NOUN
fsr-3294	32	54	plans	plan	NOUN
fsr-3294	32	55	and	and	CCONJ
fsr-3294	32	56	also	also	ADV
fsr-3294	32	57	adds	add	VERB
fsr-3294	32	58	to	to	ADP
fsr-3294	32	59	the	the	DET
fsr-3294	32	60	body	body	NOUN
fsr-3294	32	61	of	of	ADP
fsr-3294	32	62	literature	literature	NOUN
fsr-3294	32	63	by	by	ADP
fsr-3294	32	64	examining	examine	VERB
fsr-3294	32	65	the	the	DET
fsr-3294	32	66	effects	effect	NOUN
fsr-3294	32	67	of	of	ADP
fsr-3294	32	68	a	a	DET
fsr-3294	32	69	crisis	crisis	NOUN
fsr-3294	32	70	on	on	ADP
fsr-3294	32	71	low	low	ADJ
fsr-3294	32	72	-	-	PUNCT
fsr-3294	32	73	income	income	NOUN
fsr-3294	32	74	employees	employee	NOUN
fsr-3294	32	75	’	’	PART
fsr-3294	32	76	financial	financial	ADJ
fsr-3294	32	77	behaviors	behavior	NOUN
fsr-3294	32	78	,	,	PUNCT
fsr-3294	32	79	because	because	SCONJ
fsr-3294	32	80	of	of	ADP
fsr-3294	32	81	their	their	PRON
fsr-3294	32	82	low	low	ADJ
fsr-3294	32	83	retirement	retirement	NOUN
fsr-3294	32	84	plan	plan	NOUN
fsr-3294	32	85	participation	participation	NOUN
fsr-3294	32	86	and	and	CCONJ
fsr-3294	32	87	contribution	contribution	NOUN
fsr-3294	32	88	rates	rate	NOUN
fsr-3294	32	89	.	.	PUNCT
fsr-3294	33	1	having	have	VERB
fsr-3294	33	2	access	access	NOUN
fsr-3294	33	3	to	to	ADP
fsr-3294	33	4	an	an	DET
fsr-3294	33	5	employer20	employer20	ADJ
fsr-3294	33	6	c.	c.	PROPN
fsr-3294	33	7	hudson	hudson	PROPN
fsr-3294	33	8	et	et	PROPN
fsr-3294	33	9	al	al	PROPN
fsr-3294	33	10	.	.	PUNCT
fsr-3294	33	11	/	/	SYM
fsr-3294	33	12	financial	financial	ADJ
fsr-3294	33	13	services	service	NOUN
fsr-3294	33	14	review	review	VERB
fsr-3294	33	15	26	26	NUM
fsr-3294	33	16	(	(	PUNCT
fsr-3294	33	17	2017	2017	NUM
fsr-3294	33	18	)	)	PUNCT
fsr-3294	33	19	19–36	19–36	NUM
fsr-3294	33	20	based	base	VERB
fsr-3294	33	21	retirement	retirement	NOUN
fsr-3294	33	22	plan	plan	NOUN
fsr-3294	33	23	gives	give	VERB
fsr-3294	33	24	employees	employee	NOUN
fsr-3294	33	25	a	a	DET
fsr-3294	33	26	greater	great	ADJ
fsr-3294	33	27	ability	ability	NOUN
fsr-3294	33	28	to	to	PART
fsr-3294	33	29	save	save	VERB
fsr-3294	33	30	in	in	ADP
fsr-3294	33	31	comparison	comparison	NOUN
fsr-3294	33	32	to	to	ADP
fsr-3294	33	33	the	the	DET
fsr-3294	33	34	general	general	ADJ
fsr-3294	33	35	population	population	NOUN
fsr-3294	33	36	.	.	PUNCT
fsr-3294	34	1	additionally	additionally	ADV
fsr-3294	34	2	,	,	PUNCT
fsr-3294	34	3	this	this	DET
fsr-3294	34	4	research	research	NOUN
fsr-3294	34	5	controls	control	VERB
fsr-3294	34	6	for	for	ADP
fsr-3294	34	7	household	household	NOUN
fsr-3294	34	8	constraint	constraint	NOUN
fsr-3294	34	9	by	by	ADP
fsr-3294	34	10	using	use	VERB
fsr-3294	34	11	poverty	poverty	NOUN
fsr-3294	34	12	levels	level	NOUN
fsr-3294	34	13	,	,	PUNCT
fsr-3294	34	14	which	which	PRON
fsr-3294	34	15	combine	combine	VERB
fsr-3294	34	16	household	household	NOUN
fsr-3294	34	17	size	size	NOUN
fsr-3294	34	18	and	and	CCONJ
fsr-3294	34	19	income	income	NOUN
fsr-3294	34	20	,	,	PUNCT
fsr-3294	34	21	rather	rather	ADV
fsr-3294	34	22	than	than	ADP
fsr-3294	34	23	simple	simple	ADJ
fsr-3294	34	24	income	income	NOUN
fsr-3294	34	25	measures	measure	NOUN
fsr-3294	34	26	.	.	PUNCT
fsr-3294	35	1	multiple	multiple	ADJ
fsr-3294	35	2	behaviors	behavior	NOUN
fsr-3294	35	3	within	within	ADP
fsr-3294	35	4	the	the	DET
fsr-3294	35	5	savings	saving	NOUN
fsr-3294	35	6	and	and	CCONJ
fsr-3294	35	7	cash	cash	NOUN
fsr-3294	35	8	flow	flow	NOUN
fsr-3294	35	9	management	management	NOUN
fsr-3294	35	10	categories	category	NOUN
fsr-3294	35	11	are	be	AUX
fsr-3294	35	12	measured	measure	VERB
fsr-3294	35	13	providing	provide	VERB
fsr-3294	35	14	a	a	DET
fsr-3294	35	15	broader	broad	ADJ
fsr-3294	35	16	picture	picture	NOUN
fsr-3294	35	17	of	of	ADP
fsr-3294	35	18	behavior	behavior	NOUN
fsr-3294	35	19	change	change	NOUN
fsr-3294	35	20	.	.	PUNCT
fsr-3294	36	1	2	2	X
fsr-3294	36	2	.	.	X
fsr-3294	36	3	literature	literature	NOUN
fsr-3294	36	4	review	review	VERB
fsr-3294	36	5	a	a	DET
fsr-3294	36	6	review	review	NOUN
fsr-3294	36	7	of	of	ADP
fsr-3294	36	8	previous	previous	ADJ
fsr-3294	36	9	studies	study	NOUN
fsr-3294	36	10	found	find	VERB
fsr-3294	36	11	that	that	SCONJ
fsr-3294	36	12	a	a	DET
fsr-3294	36	13	financial	financial	ADJ
fsr-3294	36	14	crisis	crisis	NOUN
fsr-3294	36	15	positively	positively	ADV
fsr-3294	36	16	affects	affect	VERB
fsr-3294	36	17	financial	financial	ADJ
fsr-3294	36	18	behaviors	behavior	NOUN
fsr-3294	36	19	(	(	PUNCT
fsr-3294	36	20	bricker	bricker	NOUN
fsr-3294	36	21	et	et	NOUN
fsr-3294	36	22	al	al	PROPN
fsr-3294	36	23	.	.	PROPN
fsr-3294	36	24	,	,	PUNCT
fsr-3294	36	25	2011	2011	NUM
fsr-3294	36	26	;	;	PUNCT
fsr-3294	36	27	fidelity	fidelity	NOUN
fsr-3294	36	28	investments	investment	NOUN
fsr-3294	36	29	,	,	PUNCT
fsr-3294	36	30	2013	2013	NUM
fsr-3294	36	31	;	;	PUNCT
fsr-3294	36	32	metlife	metlife	NOUN
fsr-3294	36	33	,	,	PUNCT
fsr-3294	36	34	2009	2009	NUM
fsr-3294	36	35	;	;	PUNCT
fsr-3294	36	36	o’neill	o’neill	PROPN
fsr-3294	36	37	&	&	CCONJ
fsr-3294	36	38	xiao	xiao	PROPN
fsr-3294	36	39	,	,	PUNCT
fsr-3294	36	40	2012	2012	NUM
fsr-3294	36	41	;	;	PUNCT
fsr-3294	36	42	taylor	taylor	PROPN
fsr-3294	36	43	et	et	PROPN
fsr-3294	36	44	al	al	PROPN
fsr-3294	36	45	.	.	PROPN
fsr-3294	36	46	,	,	PUNCT
fsr-3294	36	47	2010	2010	NUM
fsr-3294	36	48	)	)	PUNCT
fsr-3294	36	49	.	.	PUNCT
fsr-3294	37	1	fidelity	fidelity	PROPN
fsr-3294	37	2	investments	investment	NOUN
fsr-3294	37	3	(	(	PUNCT
fsr-3294	37	4	2013	2013	NUM
fsr-3294	37	5	)	)	PUNCT
fsr-3294	37	6	conducted	conduct	VERB
fsr-3294	37	7	a	a	DET
fsr-3294	37	8	study	study	NOUN
fsr-3294	37	9	that	that	PRON
fsr-3294	37	10	examined	examine	VERB
fsr-3294	37	11	financial	financial	ADJ
fsr-3294	37	12	behaviors	behavior	NOUN
fsr-3294	37	13	after	after	ADP
fsr-3294	37	14	the	the	DET
fsr-3294	37	15	2007–2009	2007–2009	NUM
fsr-3294	37	16	financial	financial	ADJ
fsr-3294	37	17	crisis	crisis	NOUN
fsr-3294	37	18	by	by	ADP
fsr-3294	37	19	surveying	survey	VERB
fsr-3294	37	20	the	the	DET
fsr-3294	37	21	attitudes	attitude	NOUN
fsr-3294	37	22	of	of	ADP
fsr-3294	37	23	1,154	1,154	NUM
fsr-3294	37	24	investors	investor	NOUN
fsr-3294	37	25	between	between	ADP
fsr-3294	37	26	2008	2008	NUM
fsr-3294	37	27	and	and	CCONJ
fsr-3294	37	28	2013	2013	NUM
fsr-3294	37	29	.	.	PUNCT
fsr-3294	38	1	fidelity	fidelity	PROPN
fsr-3294	38	2	’s	’s	PART
fsr-3294	38	3	study	study	NOUN
fsr-3294	38	4	found	find	VERB
fsr-3294	38	5	that	that	SCONJ
fsr-3294	38	6	the	the	DET
fsr-3294	38	7	2007–2009	2007–2009	NUM
fsr-3294	38	8	financial	financial	ADJ
fsr-3294	38	9	crisis	crisis	NOUN
fsr-3294	38	10	boosted	boost	VERB
fsr-3294	38	11	the	the	DET
fsr-3294	38	12	financial	financial	ADJ
fsr-3294	38	13	confidence	confidence	NOUN
fsr-3294	38	14	of	of	ADP
fsr-3294	38	15	most	most	ADJ
fsr-3294	38	16	investors	investor	NOUN
fsr-3294	38	17	(	(	PUNCT
fsr-3294	38	18	fidelity	fidelity	PROPN
fsr-3294	38	19	investments	investment	NOUN
fsr-3294	38	20	,	,	PUNCT
fsr-3294	38	21	2013	2013	NUM
fsr-3294	38	22	)	)	PUNCT
fsr-3294	38	23	.	.	PUNCT
fsr-3294	39	1	in	in	ADP
fsr-3294	39	2	fact	fact	NOUN
fsr-3294	39	3	,	,	PUNCT
fsr-3294	39	4	more	more	ADJ
fsr-3294	39	5	than	than	ADP
fsr-3294	39	6	half	half	NOUN
fsr-3294	39	7	(	(	PUNCT
fsr-3294	39	8	56	56	NUM
fsr-3294	39	9	%	%	NOUN
fsr-3294	39	10	)	)	PUNCT
fsr-3294	39	11	of	of	ADP
fsr-3294	39	12	investors	investor	NOUN
fsr-3294	39	13	reported	report	VERB
fsr-3294	39	14	feeling	feel	VERB
fsr-3294	39	15	scared	scared	ADJ
fsr-3294	39	16	and	and	CCONJ
fsr-3294	39	17	confused	confused	ADJ
fsr-3294	39	18	as	as	SCONJ
fsr-3294	39	19	the	the	DET
fsr-3294	39	20	crisis	crisis	NOUN
fsr-3294	39	21	started	start	VERB
fsr-3294	39	22	,	,	PUNCT
fsr-3294	39	23	but	but	CCONJ
fsr-3294	39	24	otherwise	otherwise	ADV
fsr-3294	39	25	reported	report	VERB
fsr-3294	39	26	being	be	AUX
fsr-3294	39	27	prepared	prepare	VERB
fsr-3294	39	28	and	and	CCONJ
fsr-3294	39	29	confident	confident	ADJ
fsr-3294	39	30	in	in	ADP
fsr-3294	39	31	their	their	PRON
fsr-3294	39	32	financial	financial	ADJ
fsr-3294	39	33	affairs	affair	NOUN
fsr-3294	39	34	after	after	ADP
fsr-3294	39	35	the	the	DET
fsr-3294	39	36	financial	financial	ADJ
fsr-3294	39	37	crisis	crisis	NOUN
fsr-3294	39	38	.	.	PUNCT
fsr-3294	40	1	additionally	additionally	ADV
fsr-3294	40	2	,	,	PUNCT
fsr-3294	40	3	42	42	NUM
fsr-3294	40	4	%	%	NOUN
fsr-3294	40	5	of	of	ADP
fsr-3294	40	6	investors	investor	NOUN
fsr-3294	40	7	noted	note	VERB
fsr-3294	40	8	that	that	SCONJ
fsr-3294	40	9	they	they	PRON
fsr-3294	40	10	had	have	AUX
fsr-3294	40	11	increased	increase	VERB
fsr-3294	40	12	the	the	DET
fsr-3294	40	13	amount	amount	NOUN
fsr-3294	40	14	of	of	ADP
fsr-3294	40	15	their	their	PRON
fsr-3294	40	16	emergency	emergency	NOUN
fsr-3294	40	17	funds	fund	NOUN
fsr-3294	40	18	and	and	CCONJ
fsr-3294	40	19	either	either	CCONJ
fsr-3294	40	20	sought	seek	VERB
fsr-3294	40	21	financial	financial	ADJ
fsr-3294	40	22	advice	advice	NOUN
fsr-3294	40	23	from	from	ADP
fsr-3294	40	24	a	a	DET
fsr-3294	40	25	financial	financial	ADJ
fsr-3294	40	26	advisor	advisor	NOUN
fsr-3294	40	27	(	(	PUNCT
fsr-3294	40	28	30	30	NUM
fsr-3294	40	29	%	%	NOUN
fsr-3294	40	30	)	)	PUNCT
fsr-3294	40	31	or	or	CCONJ
fsr-3294	40	32	financial	financial	ADJ
fsr-3294	40	33	advice	advice	NOUN
fsr-3294	40	34	from	from	ADP
fsr-3294	40	35	their	their	PRON
fsr-3294	40	36	spouse	spouse	NOUN
fsr-3294	40	37	or	or	CCONJ
fsr-3294	40	38	family	family	NOUN
fsr-3294	40	39	member	member	NOUN
fsr-3294	40	40	(	(	PUNCT
fsr-3294	40	41	26	26	NUM
fsr-3294	40	42	%	%	NOUN
fsr-3294	40	43	)	)	PUNCT
fsr-3294	40	44	.	.	PUNCT
fsr-3294	41	1	likewise	likewise	ADV
fsr-3294	41	2	,	,	PUNCT
fsr-3294	41	3	o’neill	o’neill	ADV
fsr-3294	41	4	and	and	CCONJ
fsr-3294	41	5	xiao	xiao	PROPN
fsr-3294	41	6	(	(	PUNCT
fsr-3294	41	7	2012	2012	NUM
fsr-3294	41	8	)	)	PUNCT
fsr-3294	41	9	examined	examine	VERB
fsr-3294	41	10	the	the	DET
fsr-3294	41	11	budgeting	budgeting	NOUN
fsr-3294	41	12	,	,	PUNCT
fsr-3294	41	13	savings	saving	NOUN
fsr-3294	41	14	,	,	PUNCT
fsr-3294	41	15	and	and	CCONJ
fsr-3294	41	16	spending	spending	NOUN
fsr-3294	41	17	behaviors	behavior	NOUN
fsr-3294	41	18	of	of	ADP
fsr-3294	41	19	10,661	10,661	NUM
fsr-3294	41	20	randomly	randomly	ADV
fsr-3294	41	21	selected	select	VERB
fsr-3294	41	22	individuals	individual	NOUN
fsr-3294	41	23	who	who	PRON
fsr-3294	41	24	participated	participate	VERB
fsr-3294	41	25	in	in	ADP
fsr-3294	41	26	an	an	DET
fsr-3294	41	27	online	online	ADJ
fsr-3294	41	28	survey	survey	NOUN
fsr-3294	41	29	from	from	ADP
fsr-3294	41	30	january	january	PROPN
fsr-3294	41	31	2005	2005	NUM
fsr-3294	41	32	to	to	ADP
fsr-3294	41	33	december	december	PROPN
fsr-3294	41	34	2010	2010	NUM
fsr-3294	41	35	.	.	PUNCT
fsr-3294	42	1	similar	similar	ADJ
fsr-3294	42	2	to	to	ADP
fsr-3294	42	3	this	this	DET
fsr-3294	42	4	study	study	NOUN
fsr-3294	42	5	,	,	PUNCT
fsr-3294	42	6	o’neill	o’neill	PROPN
fsr-3294	42	7	and	and	CCONJ
fsr-3294	42	8	xiao	xiao	PROPN
fsr-3294	42	9	(	(	PUNCT
fsr-3294	42	10	2012	2012	NUM
fsr-3294	42	11	)	)	PUNCT
fsr-3294	42	12	used	use	VERB
fsr-3294	42	13	a	a	DET
fsr-3294	42	14	t	t	NOUN
fsr-3294	42	15	test	test	NOUN
fsr-3294	42	16	and	and	CCONJ
fsr-3294	42	17	multiple	multiple	ADJ
fsr-3294	42	18	variate	variate	NOUN
fsr-3294	42	19	regression	regression	NOUN
fsr-3294	42	20	analysis	analysis	NOUN
fsr-3294	42	21	to	to	PART
fsr-3294	42	22	examine	examine	VERB
fsr-3294	42	23	data	datum	NOUN
fsr-3294	42	24	before	before	ADP
fsr-3294	42	25	and	and	CCONJ
fsr-3294	42	26	after	after	ADP
fsr-3294	42	27	the	the	DET
fsr-3294	42	28	2007–2009	2007–2009	NUM
fsr-3294	42	29	financial	financial	ADJ
fsr-3294	42	30	crisis	crisis	NOUN
fsr-3294	42	31	.	.	PUNCT
fsr-3294	43	1	they	they	PRON
fsr-3294	43	2	found	find	VERB
fsr-3294	43	3	that	that	SCONJ
fsr-3294	43	4	the	the	DET
fsr-3294	43	5	financial	financial	ADJ
fsr-3294	43	6	behavior	behavior	NOUN
fsr-3294	43	7	of	of	ADP
fsr-3294	43	8	the	the	DET
fsr-3294	43	9	respondents	respondent	NOUN
fsr-3294	43	10	was	be	AUX
fsr-3294	43	11	better	well	ADJ
fsr-3294	43	12	after	after	ADP
fsr-3294	43	13	the	the	DET
fsr-3294	43	14	2007–2009	2007–2009	NUM
fsr-3294	43	15	financial	financial	ADJ
fsr-3294	43	16	crisis	crisis	NOUN
fsr-3294	43	17	than	than	ADP
fsr-3294	43	18	before	before	ADV
fsr-3294	43	19	.	.	PUNCT
fsr-3294	44	1	respondents	respondent	NOUN
fsr-3294	44	2	reported	report	VERB
fsr-3294	44	3	increased	increase	VERB
fsr-3294	44	4	budgeting	budgeting	NOUN
fsr-3294	44	5	practices	practice	NOUN
fsr-3294	44	6	,	,	PUNCT
fsr-3294	44	7	higher	high	ADJ
fsr-3294	44	8	savings	saving	NOUN
fsr-3294	44	9	,	,	PUNCT
fsr-3294	44	10	and	and	CCONJ
fsr-3294	44	11	more	more	ADV
fsr-3294	44	12	positive	positive	ADJ
fsr-3294	44	13	spending	spending	NOUN
fsr-3294	44	14	behaviors	behavior	NOUN
fsr-3294	44	15	after	after	ADP
fsr-3294	44	16	the	the	DET
fsr-3294	44	17	financial	financial	ADJ
fsr-3294	44	18	crisis	crisis	NOUN
fsr-3294	44	19	.	.	PUNCT
fsr-3294	45	1	similarly	similarly	ADV
fsr-3294	45	2	,	,	PUNCT
fsr-3294	45	3	other	other	ADJ
fsr-3294	45	4	previous	previous	ADJ
fsr-3294	45	5	studies	study	NOUN
fsr-3294	45	6	also	also	ADV
fsr-3294	45	7	acknowledged	acknowledge	VERB
fsr-3294	45	8	the	the	DET
fsr-3294	45	9	positive	positive	ADJ
fsr-3294	45	10	effects	effect	NOUN
fsr-3294	45	11	that	that	PRON
fsr-3294	45	12	an	an	DET
fsr-3294	45	13	otherwise	otherwise	ADV
fsr-3294	45	14	stressful	stressful	ADJ
fsr-3294	45	15	financial	financial	ADJ
fsr-3294	45	16	crisis	crisis	NOUN
fsr-3294	45	17	can	can	AUX
fsr-3294	45	18	have	have	VERB
fsr-3294	45	19	on	on	ADP
fsr-3294	45	20	an	an	DET
fsr-3294	45	21	individual	individual	NOUN
fsr-3294	45	22	’s	’s	PART
fsr-3294	45	23	financial	financial	ADJ
fsr-3294	45	24	behaviors	behavior	NOUN
fsr-3294	45	25	(	(	PUNCT
fsr-3294	45	26	metlife	metlife	NOUN
fsr-3294	45	27	,	,	PUNCT
fsr-3294	45	28	2009	2009	NUM
fsr-3294	45	29	;	;	PUNCT
fsr-3294	45	30	taylor	taylor	PROPN
fsr-3294	45	31	et	et	PROPN
fsr-3294	45	32	al	al	PROPN
fsr-3294	45	33	.	.	PROPN
fsr-3294	45	34	,	,	PUNCT
fsr-3294	45	35	2010	2010	NUM
fsr-3294	45	36	)	)	PUNCT
fsr-3294	45	37	.	.	PUNCT
fsr-3294	46	1	in	in	ADP
fsr-3294	46	2	a	a	DET
fsr-3294	46	3	metlife	metlife	NOUN
fsr-3294	46	4	(	(	PUNCT
fsr-3294	46	5	2009	2009	NUM
fsr-3294	46	6	)	)	PUNCT
fsr-3294	46	7	online	online	ADJ
fsr-3294	46	8	survey	survey	NOUN
fsr-3294	46	9	conducted	conduct	VERB
fsr-3294	46	10	in	in	ADP
fsr-3294	46	11	2009	2009	NUM
fsr-3294	46	12	,	,	PUNCT
fsr-3294	46	13	2,243	2,243	NUM
fsr-3294	46	14	participants	participant	NOUN
fsr-3294	46	15	were	be	AUX
fsr-3294	46	16	randomly	randomly	ADV
fsr-3294	46	17	selected	select	VERB
fsr-3294	46	18	from	from	ADP
fsr-3294	46	19	across	across	ADP
fsr-3294	46	20	the	the	DET
fsr-3294	46	21	u.s	u.s	PROPN
fsr-3294	46	22	.	.	PROPN
fsr-3294	46	23	thus	thus	ADV
fsr-3294	46	24	,	,	PUNCT
fsr-3294	46	25	75	75	NUM
fsr-3294	46	26	%	%	NOUN
fsr-3294	46	27	of	of	ADP
fsr-3294	46	28	participants	participant	NOUN
fsr-3294	46	29	reported	report	VERB
fsr-3294	46	30	feeling	feel	VERB
fsr-3294	46	31	stress	stress	NOUN
fsr-3294	46	32	about	about	ADP
fsr-3294	46	33	their	their	PRON
fsr-3294	46	34	financial	financial	ADJ
fsr-3294	46	35	situation	situation	NOUN
fsr-3294	46	36	or	or	CCONJ
fsr-3294	46	37	feeling	feel	VERB
fsr-3294	46	38	insecure	insecure	ADJ
fsr-3294	46	39	about	about	ADP
fsr-3294	46	40	their	their	PRON
fsr-3294	46	41	job	job	NOUN
fsr-3294	46	42	stability	stability	NOUN
fsr-3294	46	43	during	during	ADP
fsr-3294	46	44	the	the	DET
fsr-3294	46	45	2007–2009	2007–2009	NUM
fsr-3294	46	46	financial	financial	ADJ
fsr-3294	46	47	crisis	crisis	NOUN
fsr-3294	46	48	.	.	PUNCT
fsr-3294	47	1	however	however	ADV
fsr-3294	47	2	,	,	PUNCT
fsr-3294	47	3	the	the	DET
fsr-3294	47	4	majority	majority	NOUN
fsr-3294	47	5	of	of	ADP
fsr-3294	47	6	participants	participant	NOUN
fsr-3294	47	7	reported	report	VERB
fsr-3294	47	8	that	that	SCONJ
fsr-3294	47	9	the	the	DET
fsr-3294	47	10	crisis	crisis	NOUN
fsr-3294	47	11	was	be	AUX
fsr-3294	47	12	a	a	DET
fsr-3294	47	13	wake	wake	VERB
fsr-3294	47	14	-	-	PUNCT
fsr-3294	47	15	up	up	ADP
fsr-3294	47	16	call	call	NOUN
fsr-3294	47	17	for	for	ADP
fsr-3294	47	18	them	they	PRON
fsr-3294	47	19	and	and	CCONJ
fsr-3294	47	20	motivated	motivate	VERB
fsr-3294	47	21	them	they	PRON
fsr-3294	47	22	to	to	PART
fsr-3294	47	23	change	change	VERB
fsr-3294	47	24	their	their	PRON
fsr-3294	47	25	behaviors	behavior	NOUN
fsr-3294	47	26	for	for	ADP
fsr-3294	47	27	the	the	DET
fsr-3294	47	28	better	well	ADJ
fsr-3294	47	29	(	(	PUNCT
fsr-3294	47	30	metlife	metlife	NOUN
fsr-3294	47	31	,	,	PUNCT
fsr-3294	47	32	2009	2009	NUM
fsr-3294	47	33	)	)	PUNCT
fsr-3294	47	34	.	.	PUNCT
fsr-3294	48	1	in	in	ADP
fsr-3294	48	2	march	march	PROPN
fsr-3294	48	3	2010	2010	NUM
fsr-3294	48	4	,	,	PUNCT
fsr-3294	48	5	pew	pew	NOUN
fsr-3294	48	6	research	research	NOUN
fsr-3294	48	7	randomly	randomly	ADV
fsr-3294	48	8	selected	select	VERB
fsr-3294	48	9	a	a	DET
fsr-3294	48	10	national	national	ADJ
fsr-3294	48	11	sample	sample	NOUN
fsr-3294	48	12	of	of	ADP
fsr-3294	48	13	2,967	2,967	NUM
fsr-3294	48	14	adults	adult	NOUN
fsr-3294	48	15	and	and	CCONJ
fsr-3294	48	16	interviewed	interview	VERB
fsr-3294	48	17	them	they	PRON
fsr-3294	48	18	about	about	ADP
fsr-3294	48	19	how	how	SCONJ
fsr-3294	48	20	the	the	DET
fsr-3294	48	21	2007–2009	2007–2009	NUM
fsr-3294	48	22	financial	financial	ADJ
fsr-3294	48	23	crisis	crisis	NOUN
fsr-3294	48	24	affected	affect	VERB
fsr-3294	48	25	their	their	PRON
fsr-3294	48	26	lives	life	NOUN
fsr-3294	48	27	.	.	PUNCT
fsr-3294	49	1	respondents	respondent	NOUN
fsr-3294	49	2	felt	feel	VERB
fsr-3294	49	3	that	that	SCONJ
fsr-3294	49	4	the	the	DET
fsr-3294	49	5	2007–2009	2007–2009	NUM
fsr-3294	49	6	financial	financial	ADJ
fsr-3294	49	7	crisis	crisis	NOUN
fsr-3294	49	8	led	lead	VERB
fsr-3294	49	9	to	to	ADP
fsr-3294	49	10	a	a	DET
fsr-3294	49	11	new	new	ADJ
fsr-3294	49	12	frugality	frugality	NOUN
fsr-3294	49	13	in	in	ADP
fsr-3294	49	14	american	american	ADJ
fsr-3294	49	15	spending	spending	NOUN
fsr-3294	49	16	and	and	CCONJ
fsr-3294	49	17	borrowing	borrowing	NOUN
fsr-3294	49	18	(	(	PUNCT
fsr-3294	49	19	taylor	taylor	PROPN
fsr-3294	49	20	et	et	PROPN
fsr-3294	49	21	al	al	PROPN
fsr-3294	49	22	.	.	PROPN
fsr-3294	49	23	,	,	PUNCT
fsr-3294	49	24	2010	2010	NUM
fsr-3294	49	25	)	)	PUNCT
fsr-3294	49	26	.	.	PUNCT
fsr-3294	50	1	not	not	PART
fsr-3294	50	2	surprisingly	surprisingly	ADV
fsr-3294	50	3	,	,	PUNCT
fsr-3294	50	4	participants	participant	NOUN
fsr-3294	50	5	reported	report	VERB
fsr-3294	50	6	eating	eat	VERB
fsr-3294	50	7	out	out	ADP
fsr-3294	50	8	less	less	ADV
fsr-3294	50	9	or	or	CCONJ
fsr-3294	50	10	eating	eat	VERB
fsr-3294	50	11	at	at	ADP
fsr-3294	50	12	home	home	NOUN
fsr-3294	50	13	more	more	ADV
fsr-3294	50	14	often	often	ADV
fsr-3294	50	15	and	and	CCONJ
fsr-3294	50	16	also	also	ADV
fsr-3294	50	17	reported	report	VERB
fsr-3294	50	18	shopping	shop	VERB
fsr-3294	50	19	at	at	ADP
fsr-3294	50	20	big	big	PROPN
fsr-3294	50	21	box	box	PROPN
fsr-3294	50	22	discount	discount	NOUN
fsr-3294	50	23	stores	store	NOUN
fsr-3294	50	24	with	with	ADP
fsr-3294	50	25	more	more	ADJ
fsr-3294	50	26	frequency	frequency	NOUN
fsr-3294	50	27	.	.	PUNCT
fsr-3294	51	1	additionally	additionally	ADV
fsr-3294	51	2	,	,	PUNCT
fsr-3294	51	3	most	most	ADJ
fsr-3294	51	4	participants	participant	NOUN
fsr-3294	51	5	described	describe	VERB
fsr-3294	51	6	having	have	VERB
fsr-3294	51	7	a	a	DET
fsr-3294	51	8	positive	positive	ADJ
fsr-3294	51	9	attitude	attitude	NOUN
fsr-3294	51	10	about	about	ADP
fsr-3294	51	11	their	their	PRON
fsr-3294	51	12	21c	21c	NUM
fsr-3294	51	13	.	.	PUNCT
fsr-3294	52	1	hudson	hudson	PROPN
fsr-3294	52	2	et	et	PROPN
fsr-3294	52	3	al	al	PROPN
fsr-3294	52	4	.	.	PUNCT
fsr-3294	52	5	/	/	SYM
fsr-3294	52	6	financial	financial	ADJ
fsr-3294	52	7	services	service	NOUN
fsr-3294	52	8	review	review	VERB
fsr-3294	52	9	26	26	NUM
fsr-3294	52	10	(	(	PUNCT
fsr-3294	52	11	2017	2017	NUM
fsr-3294	52	12	)	)	PUNCT
fsr-3294	52	13	19–36	19–36	NUM
fsr-3294	52	14	finances	finance	NOUN
fsr-3294	52	15	,	,	PUNCT
fsr-3294	52	16	and	and	CCONJ
fsr-3294	52	17	most	most	ADJ
fsr-3294	52	18	participants	participant	NOUN
fsr-3294	52	19	felt	feel	VERB
fsr-3294	52	20	that	that	SCONJ
fsr-3294	52	21	their	their	PRON
fsr-3294	52	22	personal	personal	ADJ
fsr-3294	52	23	finances	finance	NOUN
fsr-3294	52	24	would	would	AUX
fsr-3294	52	25	improve	improve	VERB
fsr-3294	52	26	in	in	ADP
fsr-3294	52	27	the	the	DET
fsr-3294	52	28	coming	come	VERB
fsr-3294	52	29	year	year	NOUN
fsr-3294	52	30	(	(	PUNCT
fsr-3294	52	31	taylor	taylor	PROPN
fsr-3294	52	32	et	et	PROPN
fsr-3294	52	33	al	al	PROPN
fsr-3294	52	34	.	.	PROPN
fsr-3294	52	35	,	,	PUNCT
fsr-3294	52	36	2010	2010	NUM
fsr-3294	52	37	)	)	PUNCT
fsr-3294	52	38	.	.	PUNCT
fsr-3294	53	1	3	3	X
fsr-3294	53	2	.	.	X
fsr-3294	53	3	theoretical	theoretical	ADJ
fsr-3294	53	4	models	model	NOUN
fsr-3294	53	5	previous	previous	ADJ
fsr-3294	53	6	studies	study	NOUN
fsr-3294	53	7	have	have	AUX
fsr-3294	53	8	shown	show	VERB
fsr-3294	53	9	that	that	SCONJ
fsr-3294	53	10	financial	financial	ADJ
fsr-3294	53	11	behaviors	behavior	NOUN
fsr-3294	53	12	change	change	VERB
fsr-3294	53	13	and	and	CCONJ
fsr-3294	53	14	are	be	AUX
fsr-3294	53	15	influenced	influence	VERB
fsr-3294	53	16	by	by	ADP
fsr-3294	53	17	external	external	ADJ
fsr-3294	53	18	and	and	CCONJ
fsr-3294	53	19	internal	internal	ADJ
fsr-3294	53	20	forces	force	NOUN
fsr-3294	53	21	(	(	PUNCT
fsr-3294	53	22	bricker	bricker	NOUN
fsr-3294	53	23	et	et	NOUN
fsr-3294	53	24	al	al	PROPN
fsr-3294	53	25	.	.	PROPN
fsr-3294	53	26	,	,	PUNCT
fsr-3294	53	27	2011	2011	NUM
fsr-3294	53	28	;	;	PUNCT
fsr-3294	53	29	fidelity	fidelity	NOUN
fsr-3294	53	30	investments	investment	NOUN
fsr-3294	53	31	,	,	PUNCT
fsr-3294	53	32	2013	2013	NUM
fsr-3294	53	33	;	;	PUNCT
fsr-3294	53	34	metlife	metlife	NOUN
fsr-3294	53	35	,	,	PUNCT
fsr-3294	53	36	2009	2009	NUM
fsr-3294	53	37	;	;	PUNCT
fsr-3294	53	38	o’neill	o’neill	PROPN
fsr-3294	53	39	&	&	CCONJ
fsr-3294	53	40	xiao	xiao	PROPN
fsr-3294	53	41	,	,	PUNCT
fsr-3294	53	42	2012	2012	NUM
fsr-3294	53	43	;	;	PUNCT
fsr-3294	53	44	taylor	taylor	PROPN
fsr-3294	53	45	et	et	PROPN
fsr-3294	53	46	al	al	PROPN
fsr-3294	53	47	.	.	PROPN
fsr-3294	53	48	,	,	PUNCT
fsr-3294	53	49	2010	2010	NUM
fsr-3294	53	50	)	)	PUNCT
fsr-3294	53	51	.	.	PUNCT
fsr-3294	54	1	the	the	DET
fsr-3294	54	2	transtheoretical	transtheoretical	ADJ
fsr-3294	54	3	model	model	NOUN
fsr-3294	54	4	of	of	ADP
fsr-3294	54	5	change	change	NOUN
fsr-3294	54	6	(	(	PUNCT
fsr-3294	54	7	ttm	ttm	NOUN
fsr-3294	54	8	)	)	PUNCT
fsr-3294	54	9	provides	provide	VERB
fsr-3294	54	10	a	a	DET
fsr-3294	54	11	theoretical	theoretical	ADJ
fsr-3294	54	12	framework	framework	NOUN
fsr-3294	54	13	of	of	ADP
fsr-3294	54	14	how	how	SCONJ
fsr-3294	54	15	people	people	NOUN
fsr-3294	54	16	change	change	VERB
fsr-3294	54	17	,	,	PUNCT
fsr-3294	54	18	both	both	PRON
fsr-3294	54	19	on	on	ADP
fsr-3294	54	20	their	their	PRON
fsr-3294	54	21	own	own	ADJ
fsr-3294	54	22	as	as	ADV
fsr-3294	54	23	well	well	ADV
fsr-3294	54	24	as	as	ADP
fsr-3294	54	25	when	when	SCONJ
fsr-3294	54	26	they	they	PRON
fsr-3294	54	27	work	work	VERB
fsr-3294	54	28	with	with	ADP
fsr-3294	54	29	a	a	DET
fsr-3294	54	30	professional	professional	ADJ
fsr-3294	54	31	(	(	PUNCT
fsr-3294	54	32	prochaska	prochaska	ADJ
fsr-3294	54	33	,	,	PUNCT
fsr-3294	54	34	diclemente	diclemente	PROPN
fsr-3294	54	35	,	,	PUNCT
fsr-3294	54	36	&	&	CCONJ
fsr-3294	54	37	norcross	norcross	PROPN
fsr-3294	54	38	,	,	PUNCT
fsr-3294	54	39	1992	1992	NUM
fsr-3294	54	40	)	)	PUNCT
fsr-3294	54	41	.	.	PUNCT
fsr-3294	55	1	likewise	likewise	ADV
fsr-3294	55	2	,	,	PUNCT
fsr-3294	55	3	the	the	DET
fsr-3294	55	4	crisis	crisis	NOUN
fsr-3294	55	5	theory	theory	NOUN
fsr-3294	55	6	provides	provide	VERB
fsr-3294	55	7	a	a	DET
fsr-3294	55	8	theoretical	theoretical	ADJ
fsr-3294	55	9	framework	framework	NOUN
fsr-3294	55	10	of	of	ADP
fsr-3294	55	11	how	how	SCONJ
fsr-3294	55	12	individuals	individual	NOUN
fsr-3294	55	13	learn	learn	VERB
fsr-3294	55	14	,	,	PUNCT
fsr-3294	55	15	adapt	adapt	VERB
fsr-3294	55	16	and	and	CCONJ
fsr-3294	55	17	grow	grow	VERB
fsr-3294	55	18	after	after	ADP
fsr-3294	55	19	a	a	DET
fsr-3294	55	20	crisis	crisis	NOUN
fsr-3294	55	21	disrupts	disrupt	VERB
fsr-3294	55	22	their	their	PRON
fsr-3294	55	23	normal	normal	ADJ
fsr-3294	55	24	lives	life	NOUN
fsr-3294	55	25	(	(	PUNCT
fsr-3294	55	26	caplan	caplan	PROPN
fsr-3294	55	27	,	,	PUNCT
fsr-3294	55	28	1971	1971	NUM
fsr-3294	55	29	)	)	PUNCT
fsr-3294	55	30	.	.	PUNCT
fsr-3294	56	1	several	several	ADJ
fsr-3294	56	2	key	key	ADJ
fsr-3294	56	3	processes	process	NOUN
fsr-3294	56	4	of	of	ADP
fsr-3294	56	5	change	change	NOUN
fsr-3294	56	6	within	within	ADP
fsr-3294	56	7	the	the	DET
fsr-3294	56	8	ttm	ttm	NOUN
fsr-3294	56	9	model	model	NOUN
fsr-3294	56	10	contribute	contribute	VERB
fsr-3294	56	11	to	to	ADP
fsr-3294	56	12	cognitive	cognitive	ADJ
fsr-3294	56	13	reevaluation	reevaluation	NOUN
fsr-3294	56	14	and	and	CCONJ
fsr-3294	56	15	perspective	perspective	NOUN
fsr-3294	56	16	shifting	shift	VERB
fsr-3294	56	17	,	,	PUNCT
fsr-3294	56	18	which	which	PRON
fsr-3294	56	19	in	in	ADP
fsr-3294	56	20	turn	turn	NOUN
fsr-3294	56	21	lead	lead	VERB
fsr-3294	56	22	to	to	ADP
fsr-3294	56	23	outwardly	outwardly	ADV
fsr-3294	56	24	observable	observable	ADJ
fsr-3294	56	25	behavior	behavior	NOUN
fsr-3294	56	26	changes	change	NOUN
fsr-3294	56	27	.	.	PUNCT
fsr-3294	57	1	the	the	DET
fsr-3294	57	2	processes	process	NOUN
fsr-3294	57	3	of	of	ADP
fsr-3294	57	4	consciousness	consciousness	NOUN
fsr-3294	57	5	-	-	PUNCT
fsr-3294	57	6	raising	raising	NOUN
fsr-3294	57	7	,	,	PUNCT
fsr-3294	57	8	dramatic	dramatic	ADJ
fsr-3294	57	9	relief	relief	NOUN
fsr-3294	57	10	,	,	PUNCT
fsr-3294	57	11	environmental	environmental	ADJ
fsr-3294	57	12	revaluation	revaluation	NOUN
fsr-3294	57	13	,	,	PUNCT
fsr-3294	57	14	and	and	CCONJ
fsr-3294	57	15	social	social	ADJ
fsr-3294	57	16	liberation	liberation	NOUN
fsr-3294	57	17	can	can	AUX
fsr-3294	57	18	be	be	AUX
fsr-3294	57	19	triggered	trigger	VERB
fsr-3294	57	20	when	when	SCONJ
fsr-3294	57	21	an	an	DET
fsr-3294	57	22	individual	individual	ADJ
fsr-3294	57	23	experiences	experience	NOUN
fsr-3294	57	24	or	or	CCONJ
fsr-3294	57	25	witnesses	witness	NOUN
fsr-3294	57	26	someone	someone	PRON
fsr-3294	57	27	else	else	ADV
fsr-3294	57	28	going	go	VERB
fsr-3294	57	29	through	through	ADP
fsr-3294	57	30	a	a	DET
fsr-3294	57	31	negative	negative	ADJ
fsr-3294	57	32	event	event	NOUN
fsr-3294	57	33	,	,	PUNCT
fsr-3294	57	34	such	such	ADJ
fsr-3294	57	35	as	as	ADP
fsr-3294	57	36	a	a	DET
fsr-3294	57	37	financial	financial	ADJ
fsr-3294	57	38	crisis	crisis	NOUN
fsr-3294	57	39	(	(	PUNCT
fsr-3294	57	40	prochaska	prochaska	PROPN
fsr-3294	57	41	et	et	PROPN
fsr-3294	57	42	al	al	PROPN
fsr-3294	57	43	.	.	PROPN
fsr-3294	57	44	,	,	PUNCT
fsr-3294	57	45	1992	1992	NUM
fsr-3294	57	46	)	)	PUNCT
fsr-3294	57	47	.	.	PUNCT
fsr-3294	58	1	consciousness	consciousness	NOUN
fsr-3294	58	2	-	-	PUNCT
fsr-3294	58	3	raising	raising	NOUN
fsr-3294	58	4	is	be	AUX
fsr-3294	58	5	simply	simply	ADV
fsr-3294	58	6	becoming	become	VERB
fsr-3294	58	7	more	more	ADV
fsr-3294	58	8	aware	aware	ADJ
fsr-3294	58	9	of	of	ADP
fsr-3294	58	10	certain	certain	ADJ
fsr-3294	58	11	behaviors	behavior	NOUN
fsr-3294	58	12	and	and	CCONJ
fsr-3294	58	13	the	the	DET
fsr-3294	58	14	effect	effect	NOUN
fsr-3294	58	15	those	those	DET
fsr-3294	58	16	behaviors	behavior	NOUN
fsr-3294	58	17	have	have	VERB
fsr-3294	58	18	on	on	ADP
fsr-3294	58	19	the	the	DET
fsr-3294	58	20	individual	individual	NOUN
fsr-3294	58	21	and	and	CCONJ
fsr-3294	58	22	those	those	PRON
fsr-3294	58	23	with	with	ADP
fsr-3294	58	24	whom	whom	PRON
fsr-3294	58	25	he	he	PRON
fsr-3294	58	26	or	or	CCONJ
fsr-3294	58	27	she	she	PRON
fsr-3294	58	28	associates	associate	NOUN
fsr-3294	58	29	.	.	PUNCT
fsr-3294	59	1	furthermore	furthermore	ADV
fsr-3294	59	2	,	,	PUNCT
fsr-3294	59	3	during	during	ADP
fsr-3294	59	4	the	the	DET
fsr-3294	59	5	financial	financial	ADJ
fsr-3294	59	6	crisis	crisis	NOUN
fsr-3294	59	7	,	,	PUNCT
fsr-3294	59	8	personal	personal	ADJ
fsr-3294	59	9	finance	finance	NOUN
fsr-3294	59	10	topics	topic	NOUN
fsr-3294	59	11	,	,	PUNCT
fsr-3294	59	12	such	such	ADJ
fsr-3294	59	13	as	as	ADP
fsr-3294	59	14	savings	saving	NOUN
fsr-3294	59	15	and	and	CCONJ
fsr-3294	59	16	cash	cash	NOUN
fsr-3294	59	17	flow	flow	NOUN
fsr-3294	59	18	management	management	NOUN
fsr-3294	59	19	,	,	PUNCT
fsr-3294	59	20	were	be	AUX
fsr-3294	59	21	a	a	DET
fsr-3294	59	22	common	common	ADJ
fsr-3294	59	23	topic	topic	NOUN
fsr-3294	59	24	of	of	ADP
fsr-3294	59	25	discussion	discussion	NOUN
fsr-3294	59	26	in	in	ADP
fsr-3294	59	27	the	the	DET
fsr-3294	59	28	news	news	NOUN
fsr-3294	59	29	,	,	PUNCT
fsr-3294	59	30	which	which	PRON
fsr-3294	59	31	led	lead	VERB
fsr-3294	59	32	to	to	ADP
fsr-3294	59	33	increased	increase	VERB
fsr-3294	59	34	awareness	awareness	NOUN
fsr-3294	59	35	of	of	ADP
fsr-3294	59	36	positive	positive	ADJ
fsr-3294	59	37	practices	practice	NOUN
fsr-3294	59	38	,	,	PUNCT
fsr-3294	59	39	such	such	ADJ
fsr-3294	59	40	as	as	ADP
fsr-3294	59	41	saving	save	VERB
fsr-3294	59	42	and	and	CCONJ
fsr-3294	59	43	budgeting	budgeting	NOUN
fsr-3294	59	44	.	.	PUNCT
fsr-3294	60	1	palmer	palmer	NOUN
fsr-3294	60	2	,	,	PUNCT
fsr-3294	60	3	bliss	bliss	ADJ
fsr-3294	60	4	,	,	PUNCT
fsr-3294	60	5	goetz	goetz	NOUN
fsr-3294	60	6	,	,	PUNCT
fsr-3294	60	7	and	and	CCONJ
fsr-3294	60	8	moorman	moorman	NOUN
fsr-3294	60	9	(	(	PUNCT
fsr-3294	60	10	2010a	2010a	NUM
fsr-3294	60	11	,	,	PUNCT
fsr-3294	60	12	2010b	2010b	NUM
fsr-3294	60	13	)	)	PUNCT
fsr-3294	60	14	found	find	VERB
fsr-3294	60	15	that	that	SCONJ
fsr-3294	60	16	even	even	ADV
fsr-3294	60	17	simple	simple	ADJ
fsr-3294	60	18	consciousness	consciousness	NOUN
fsr-3294	60	19	raising	raise	VERB
fsr-3294	60	20	activities	activity	NOUN
fsr-3294	60	21	can	can	AUX
fsr-3294	60	22	lead	lead	VERB
fsr-3294	60	23	to	to	ADP
fsr-3294	60	24	significant	significant	ADJ
fsr-3294	60	25	financial	financial	ADJ
fsr-3294	60	26	behavior	behavior	NOUN
fsr-3294	60	27	changes	change	NOUN
fsr-3294	60	28	.	.	PUNCT
fsr-3294	61	1	dramatic	dramatic	ADJ
fsr-3294	61	2	relief	relief	NOUN
fsr-3294	61	3	simply	simply	ADV
fsr-3294	61	4	refers	refer	VERB
fsr-3294	61	5	to	to	ADP
fsr-3294	61	6	having	have	VERB
fsr-3294	61	7	an	an	DET
fsr-3294	61	8	emotional	emotional	ADJ
fsr-3294	61	9	response	response	NOUN
fsr-3294	61	10	(	(	PUNCT
fsr-3294	61	11	i.e.	i.e.	X
fsr-3294	61	12	,	,	PUNCT
fsr-3294	61	13	feelings	feeling	NOUN
fsr-3294	61	14	)	)	PUNCT
fsr-3294	61	15	when	when	SCONJ
fsr-3294	61	16	certain	certain	ADJ
fsr-3294	61	17	topics	topic	NOUN
fsr-3294	61	18	are	be	AUX
fsr-3294	61	19	discussed	discuss	VERB
fsr-3294	61	20	(	(	PUNCT
fsr-3294	61	21	o’neill	o’neill	PROPN
fsr-3294	61	22	&	&	CCONJ
fsr-3294	61	23	xiao	xiao	PROPN
fsr-3294	61	24	,	,	PUNCT
fsr-3294	61	25	2012	2012	NUM
fsr-3294	61	26	)	)	PUNCT
fsr-3294	61	27	.	.	PUNCT
fsr-3294	62	1	as	as	SCONJ
fsr-3294	62	2	unemployment	unemployment	NOUN
fsr-3294	62	3	,	,	PUNCT
fsr-3294	62	4	foreclosures	foreclosure	NOUN
fsr-3294	62	5	,	,	PUNCT
fsr-3294	62	6	and	and	CCONJ
fsr-3294	62	7	bankruptcies	bankruptcy	NOUN
fsr-3294	62	8	abounded	abound	VERB
fsr-3294	62	9	,	,	PUNCT
fsr-3294	62	10	and	and	CCONJ
fsr-3294	62	11	individuals	individual	NOUN
fsr-3294	62	12	experienced	experience	VERB
fsr-3294	62	13	these	these	DET
fsr-3294	62	14	things	thing	NOUN
fsr-3294	62	15	firsthand	firsthand	ADV
fsr-3294	62	16	or	or	CCONJ
fsr-3294	62	17	indirectly	indirectly	ADV
fsr-3294	62	18	,	,	PUNCT
fsr-3294	62	19	many	many	ADJ
fsr-3294	62	20	likely	likely	ADV
fsr-3294	62	21	developed	develop	VERB
fsr-3294	62	22	strong	strong	ADJ
fsr-3294	62	23	emotions	emotion	NOUN
fsr-3294	62	24	associated	associate	VERB
fsr-3294	62	25	with	with	ADP
fsr-3294	62	26	basic	basic	ADJ
fsr-3294	62	27	personal	personal	ADJ
fsr-3294	62	28	finance	finance	NOUN
fsr-3294	62	29	vocabulary	vocabulary	NOUN
fsr-3294	62	30	and	and	CCONJ
fsr-3294	62	31	practices	practice	NOUN
fsr-3294	62	32	.	.	PUNCT
fsr-3294	63	1	finally	finally	ADV
fsr-3294	63	2	,	,	PUNCT
fsr-3294	63	3	social	social	ADJ
fsr-3294	63	4	liberation	liberation	NOUN
fsr-3294	63	5	and	and	CCONJ
fsr-3294	63	6	self	self	NOUN
fsr-3294	63	7	-	-	PUNCT
fsr-3294	63	8	reevaluation	reevaluation	NOUN
fsr-3294	63	9	further	far	ADV
fsr-3294	63	10	accelerate	accelerate	VERB
fsr-3294	63	11	the	the	DET
fsr-3294	63	12	behavior	behavior	NOUN
fsr-3294	63	13	change	change	NOUN
fsr-3294	63	14	process	process	NOUN
fsr-3294	63	15	as	as	SCONJ
fsr-3294	63	16	individuals	individual	NOUN
fsr-3294	63	17	recognize	recognize	VERB
fsr-3294	63	18	that	that	SCONJ
fsr-3294	63	19	society	society	NOUN
fsr-3294	63	20	is	be	AUX
fsr-3294	63	21	more	more	ADV
fsr-3294	63	22	supportive	supportive	ADJ
fsr-3294	63	23	and	and	CCONJ
fsr-3294	63	24	rewarding	rewarding	NOUN
fsr-3294	63	25	of	of	ADP
fsr-3294	63	26	positive	positive	ADJ
fsr-3294	63	27	financial	financial	ADJ
fsr-3294	63	28	behaviors	behavior	NOUN
fsr-3294	63	29	,	,	PUNCT
fsr-3294	63	30	such	such	ADJ
fsr-3294	63	31	as	as	ADP
fsr-3294	63	32	saving	save	VERB
fsr-3294	63	33	(	(	PUNCT
fsr-3294	63	34	social	social	ADJ
fsr-3294	63	35	liberation	liberation	NOUN
fsr-3294	63	36	;	;	PUNCT
fsr-3294	63	37	xiao	xiao	PROPN
fsr-3294	63	38	,	,	PUNCT
fsr-3294	63	39	newman	newman	PROPN
fsr-3294	63	40	,	,	PUNCT
fsr-3294	63	41	prochaska	prochaska	PROPN
fsr-3294	63	42	,	,	PUNCT
fsr-3294	63	43	leon	leon	PROPN
fsr-3294	63	44	,	,	PUNCT
fsr-3294	63	45	bassett	bassett	PROPN
fsr-3294	63	46	,	,	PUNCT
fsr-3294	63	47	&	&	CCONJ
fsr-3294	63	48	johnson	johnson	PROPN
fsr-3294	63	49	,	,	PUNCT
fsr-3294	63	50	2004	2004	NUM
fsr-3294	63	51	)	)	PUNCT
fsr-3294	63	52	.	.	PUNCT
fsr-3294	64	1	opportunities	opportunity	NOUN
fsr-3294	64	2	for	for	ADP
fsr-3294	64	3	individuals	individual	NOUN
fsr-3294	64	4	to	to	PART
fsr-3294	64	5	experience	experience	VERB
fsr-3294	64	6	these	these	DET
fsr-3294	64	7	cognitive	cognitive	ADJ
fsr-3294	64	8	processes	process	NOUN
fsr-3294	64	9	of	of	ADP
fsr-3294	64	10	change	change	NOUN
fsr-3294	64	11	abounded	abound	VERB
fsr-3294	64	12	during	during	ADP
fsr-3294	64	13	the	the	DET
fsr-3294	64	14	2007	2007	NUM
fsr-3294	64	15	–	–	PUNCT
fsr-3294	64	16	2009	2009	NUM
fsr-3294	64	17	financial	financial	ADJ
fsr-3294	64	18	crisis	crisis	NOUN
fsr-3294	64	19	and	and	CCONJ
fsr-3294	64	20	likely	likely	ADV
fsr-3294	64	21	led	lead	VERB
fsr-3294	64	22	to	to	ADP
fsr-3294	64	23	widespread	widespread	ADJ
fsr-3294	64	24	changes	change	NOUN
fsr-3294	64	25	in	in	ADP
fsr-3294	64	26	consumer	consumer	NOUN
fsr-3294	64	27	financial	financial	ADJ
fsr-3294	64	28	behavior	behavior	NOUN
fsr-3294	64	29	.	.	PUNCT
fsr-3294	65	1	the	the	DET
fsr-3294	65	2	crisis	crisis	NOUN
fsr-3294	65	3	theory	theory	NOUN
fsr-3294	65	4	is	be	AUX
fsr-3294	65	5	derived	derive	VERB
fsr-3294	65	6	from	from	ADP
fsr-3294	65	7	the	the	DET
fsr-3294	65	8	psychoanalytic	psychoanalytic	ADJ
fsr-3294	65	9	theory	theory	NOUN
fsr-3294	65	10	and	and	CCONJ
fsr-3294	65	11	ego	ego	NOUN
fsr-3294	65	12	psychology	psychology	NOUN
fsr-3294	65	13	and	and	CCONJ
fsr-3294	65	14	proposes	propose	VERB
fsr-3294	65	15	that	that	SCONJ
fsr-3294	65	16	a	a	DET
fsr-3294	65	17	crisis	crisis	NOUN
fsr-3294	65	18	disrupts	disrupt	VERB
fsr-3294	65	19	and	and	CCONJ
fsr-3294	65	20	causes	cause	VERB
fsr-3294	65	21	chaos	chaos	NOUN
fsr-3294	65	22	in	in	ADP
fsr-3294	65	23	an	an	DET
fsr-3294	65	24	individual	individual	NOUN
fsr-3294	65	25	’s	’s	PART
fsr-3294	65	26	life	life	NOUN
fsr-3294	65	27	,	,	PUNCT
fsr-3294	65	28	but	but	CCONJ
fsr-3294	65	29	provides	provide	VERB
fsr-3294	65	30	them	they	PRON
fsr-3294	65	31	with	with	ADP
fsr-3294	65	32	an	an	DET
fsr-3294	65	33	opportunity	opportunity	NOUN
fsr-3294	65	34	to	to	PART
fsr-3294	65	35	problem	problem	VERB
fsr-3294	65	36	solve	solve	VERB
fsr-3294	65	37	,	,	PUNCT
fsr-3294	65	38	adapt	adapt	VERB
fsr-3294	65	39	,	,	PUNCT
fsr-3294	65	40	and	and	CCONJ
fsr-3294	65	41	grow	grow	VERB
fsr-3294	65	42	,	,	PUNCT
fsr-3294	65	43	and	and	CCONJ
fsr-3294	65	44	perhaps	perhaps	ADV
fsr-3294	65	45	move	move	VERB
fsr-3294	65	46	to	to	ADP
fsr-3294	65	47	a	a	DET
fsr-3294	65	48	higher	high	ADJ
fsr-3294	65	49	state	state	NOUN
fsr-3294	65	50	of	of	ADP
fsr-3294	65	51	being	be	AUX
fsr-3294	65	52	(	(	PUNCT
fsr-3294	65	53	caplan	caplan	PROPN
fsr-3294	65	54	,	,	PUNCT
fsr-3294	65	55	1971	1971	NUM
fsr-3294	65	56	;	;	PUNCT
fsr-3294	65	57	woolley	woolley	PROPN
fsr-3294	65	58	,	,	PUNCT
fsr-3294	65	59	1990	1990	NUM
fsr-3294	65	60	)	)	PUNCT
fsr-3294	65	61	.	.	PUNCT
fsr-3294	66	1	caplan	caplan	PROPN
fsr-3294	66	2	(	(	PUNCT
fsr-3294	66	3	1971	1971	NUM
fsr-3294	66	4	)	)	PUNCT
fsr-3294	66	5	defines	define	VERB
fsr-3294	66	6	a	a	DET
fsr-3294	66	7	crisis	crisis	NOUN
fsr-3294	66	8	as	as	ADP
fsr-3294	66	9	a	a	DET
fsr-3294	66	10	threat	threat	NOUN
fsr-3294	66	11	to	to	ADP
fsr-3294	66	12	individuals	individual	NOUN
fsr-3294	66	13	’	'	PUNCT
fsr-3294	66	14	normal	normal	ADJ
fsr-3294	66	15	state	state	NOUN
fsr-3294	66	16	of	of	ADP
fsr-3294	66	17	being	be	AUX
fsr-3294	66	18	or	or	CCONJ
fsr-3294	66	19	an	an	DET
fsr-3294	66	20	obstacle	obstacle	NOUN
fsr-3294	66	21	to	to	ADP
fsr-3294	66	22	their	their	PRON
fsr-3294	66	23	important	important	ADJ
fsr-3294	66	24	life	life	NOUN
fsr-3294	66	25	goals	goal	NOUN
fsr-3294	66	26	.	.	PUNCT
fsr-3294	67	1	during	during	ADP
fsr-3294	67	2	a	a	DET
fsr-3294	67	3	crisis	crisis	NOUN
fsr-3294	67	4	,	,	PUNCT
fsr-3294	67	5	an	an	DET
fsr-3294	67	6	imbalance	imbalance	NOUN
fsr-3294	67	7	exists	exist	VERB
fsr-3294	67	8	and	and	CCONJ
fsr-3294	67	9	confusion	confusion	NOUN
fsr-3294	67	10	as	as	ADV
fsr-3294	67	11	well	well	ADV
fsr-3294	67	12	as	as	ADP
fsr-3294	67	13	disorder	disorder	NOUN
fsr-3294	67	14	ensues	ensue	VERB
fsr-3294	67	15	(	(	PUNCT
fsr-3294	67	16	caplan	caplan	PROPN
fsr-3294	67	17	,	,	PUNCT
fsr-3294	67	18	1971	1971	NUM
fsr-3294	67	19	)	)	PUNCT
fsr-3294	67	20	.	.	PUNCT
fsr-3294	68	1	as	as	SCONJ
fsr-3294	68	2	this	this	PRON
fsr-3294	68	3	occurs	occur	VERB
fsr-3294	68	4	,	,	PUNCT
fsr-3294	68	5	an	an	DET
fsr-3294	68	6	individual	individual	NOUN
fsr-3294	68	7	makes	make	VERB
fsr-3294	68	8	many	many	ADJ
fsr-3294	68	9	attempts	attempt	NOUN
fsr-3294	68	10	to	to	PART
fsr-3294	68	11	resolve	resolve	VERB
fsr-3294	68	12	this	this	DET
fsr-3294	68	13	crisis	crisis	NOUN
fsr-3294	68	14	,	,	PUNCT
fsr-3294	68	15	using	use	VERB
fsr-3294	68	16	known	known	ADJ
fsr-3294	68	17	and	and	CCONJ
fsr-3294	68	18	new	new	ADJ
fsr-3294	68	19	problem	problem	NOUN
fsr-3294	68	20	solving	solve	VERB
fsr-3294	68	21	techniques	technique	NOUN
fsr-3294	68	22	,	,	PUNCT
fsr-3294	68	23	to	to	PART
fsr-3294	68	24	maintain	maintain	VERB
fsr-3294	68	25	or	or	CCONJ
fsr-3294	68	26	restore	restore	VERB
fsr-3294	68	27	balance	balance	NOUN
fsr-3294	68	28	(	(	PUNCT
fsr-3294	68	29	caplan	caplan	PROPN
fsr-3294	68	30	,	,	PUNCT
fsr-3294	68	31	1971	1971	NUM
fsr-3294	68	32	)	)	PUNCT
fsr-3294	68	33	.	.	PUNCT
fsr-3294	69	1	thus	thus	ADV
fsr-3294	69	2	,	,	PUNCT
fsr-3294	69	3	immediately	immediately	ADV
fsr-3294	69	4	following	follow	VERB
fsr-3294	69	5	the	the	DET
fsr-3294	69	6	crisis	crisis	NOUN
fsr-3294	69	7	,	,	PUNCT
fsr-3294	69	8	as	as	SCONJ
fsr-3294	69	9	a	a	DET
fsr-3294	69	10	state	state	NOUN
fsr-3294	69	11	of	of	ADP
fsr-3294	69	12	disequilibrium	disequilibrium	NOUN
fsr-3294	69	13	occurs	occur	VERB
fsr-3294	69	14	,	,	PUNCT
fsr-3294	69	15	an	an	DET
fsr-3294	69	16	individual	individual	NOUN
fsr-3294	69	17	must	must	AUX
fsr-3294	69	18	find	find	VERB
fsr-3294	69	19	some	some	DET
fsr-3294	69	20	way	way	NOUN
fsr-3294	69	21	of	of	ADP
fsr-3294	69	22	coping	cope	VERB
fsr-3294	69	23	with	with	ADP
fsr-3294	69	24	the	the	DET
fsr-3294	69	25	crisis	crisis	NOUN
fsr-3294	69	26	(	(	PUNCT
fsr-3294	69	27	woolley	woolley	PROPN
fsr-3294	69	28	,	,	PUNCT
fsr-3294	69	29	1990	1990	NUM
fsr-3294	69	30	)	)	PUNCT
fsr-3294	69	31	.	.	PUNCT
fsr-3294	70	1	a	a	DET
fsr-3294	70	2	new	new	ADJ
fsr-3294	70	3	state	state	NOUN
fsr-3294	70	4	22	22	NUM
fsr-3294	70	5	c.	c.	PROPN
fsr-3294	70	6	hudson	hudson	PROPN
fsr-3294	70	7	et	et	PROPN
fsr-3294	70	8	al	al	PROPN
fsr-3294	70	9	.	.	PUNCT
fsr-3294	70	10	/	/	SYM
fsr-3294	70	11	financial	financial	ADJ
fsr-3294	70	12	services	service	NOUN
fsr-3294	70	13	review	review	VERB
fsr-3294	70	14	26	26	NUM
fsr-3294	70	15	(	(	PUNCT
fsr-3294	70	16	2017	2017	NUM
fsr-3294	70	17	)	)	PUNCT
fsr-3294	70	18	19–36	19–36	NUM
fsr-3294	70	19	of	of	ADP
fsr-3294	70	20	equilibrium	equilibrium	NOUN
fsr-3294	70	21	occurs	occur	VERB
fsr-3294	70	22	,	,	PUNCT
fsr-3294	70	23	either	either	CCONJ
fsr-3294	70	24	at	at	ADP
fsr-3294	70	25	a	a	DET
fsr-3294	70	26	higher	high	ADJ
fsr-3294	70	27	level	level	NOUN
fsr-3294	70	28	of	of	ADP
fsr-3294	70	29	functioning	function	VERB
fsr-3294	70	30	where	where	SCONJ
fsr-3294	70	31	growth	growth	NOUN
fsr-3294	70	32	has	have	AUX
fsr-3294	70	33	occurred	occur	VERB
fsr-3294	70	34	,	,	PUNCT
fsr-3294	70	35	or	or	CCONJ
fsr-3294	70	36	at	at	ADP
fsr-3294	70	37	a	a	DET
fsr-3294	70	38	lower	low	ADJ
fsr-3294	70	39	level	level	NOUN
fsr-3294	70	40	of	of	ADP
fsr-3294	70	41	functioning	function	VERB
fsr-3294	70	42	,	,	PUNCT
fsr-3294	70	43	where	where	SCONJ
fsr-3294	70	44	individuals	individual	NOUN
fsr-3294	70	45	have	have	AUX
fsr-3294	70	46	fallen	fall	VERB
fsr-3294	70	47	to	to	ADP
fsr-3294	70	48	a	a	DET
fsr-3294	70	49	regressed	regress	VERB
fsr-3294	70	50	state	state	NOUN
fsr-3294	70	51	of	of	ADP
fsr-3294	70	52	functioning	function	VERB
fsr-3294	70	53	(	(	PUNCT
fsr-3294	70	54	woolley	woolley	PROPN
fsr-3294	70	55	,	,	PUNCT
fsr-3294	70	56	1990	1990	NUM
fsr-3294	70	57	)	)	PUNCT
fsr-3294	70	58	.	.	PUNCT
fsr-3294	71	1	as	as	SCONJ
fsr-3294	71	2	proposed	propose	VERB
fsr-3294	71	3	by	by	ADP
fsr-3294	71	4	this	this	DET
fsr-3294	71	5	study	study	NOUN
fsr-3294	71	6	,	,	PUNCT
fsr-3294	71	7	a	a	DET
fsr-3294	71	8	crisis	crisis	NOUN
fsr-3294	71	9	presents	present	VERB
fsr-3294	71	10	individuals	individual	NOUN
fsr-3294	71	11	with	with	ADP
fsr-3294	71	12	an	an	DET
fsr-3294	71	13	opportunity	opportunity	NOUN
fsr-3294	71	14	to	to	PART
fsr-3294	71	15	problem	problem	VERB
fsr-3294	71	16	solve	solve	VERB
fsr-3294	71	17	,	,	PUNCT
fsr-3294	71	18	adapt	adapt	VERB
fsr-3294	71	19	,	,	PUNCT
fsr-3294	71	20	grow	grow	VERB
fsr-3294	71	21	,	,	PUNCT
fsr-3294	71	22	and	and	CCONJ
fsr-3294	71	23	perhaps	perhaps	ADV
fsr-3294	71	24	move	move	VERB
fsr-3294	71	25	to	to	ADP
fsr-3294	71	26	a	a	DET
fsr-3294	71	27	higher	high	ADJ
fsr-3294	71	28	level	level	NOUN
fsr-3294	71	29	of	of	ADP
fsr-3294	71	30	being	be	AUX
fsr-3294	71	31	.	.	PUNCT
fsr-3294	72	1	based	base	VERB
fsr-3294	72	2	on	on	ADP
fsr-3294	72	3	these	these	DET
fsr-3294	72	4	theories	theory	NOUN
fsr-3294	72	5	and	and	CCONJ
fsr-3294	72	6	a	a	DET
fsr-3294	72	7	review	review	NOUN
fsr-3294	72	8	of	of	ADP
fsr-3294	72	9	literature	literature	NOUN
fsr-3294	72	10	,	,	PUNCT
fsr-3294	72	11	the	the	DET
fsr-3294	72	12	four	four	NUM
fsr-3294	72	13	applicable	applicable	ADJ
fsr-3294	72	14	hypotheses	hypothesis	NOUN
fsr-3294	72	15	for	for	ADP
fsr-3294	72	16	this	this	DET
fsr-3294	72	17	study	study	NOUN
fsr-3294	72	18	are	be	AUX
fsr-3294	72	19	as	as	SCONJ
fsr-3294	72	20	follows	follow	VERB
fsr-3294	72	21	:	:	PUNCT
fsr-3294	72	22	hypothesis	hypothesis	NOUN
fsr-3294	72	23	1	1	NUM
fsr-3294	72	24	:	:	PUNCT
fsr-3294	72	25	the	the	DET
fsr-3294	72	26	overall	overall	ADJ
fsr-3294	72	27	savings	saving	NOUN
fsr-3294	72	28	behavior	behavior	NOUN
fsr-3294	72	29	of	of	ADP
fsr-3294	72	30	all	all	DET
fsr-3294	72	31	employees	employee	NOUN
fsr-3294	72	32	will	will	AUX
fsr-3294	72	33	be	be	AUX
fsr-3294	72	34	significantly	significantly	ADV
fsr-3294	72	35	improved	improve	VERB
fsr-3294	72	36	after	after	ADP
fsr-3294	72	37	the	the	DET
fsr-3294	72	38	2007–2009	2007–2009	NUM
fsr-3294	72	39	financial	financial	ADJ
fsr-3294	72	40	crisis	crisis	NOUN
fsr-3294	72	41	versus	versus	ADP
fsr-3294	72	42	before	before	ADP
fsr-3294	72	43	the	the	DET
fsr-3294	72	44	2007–2009	2007–2009	NUM
fsr-3294	72	45	financial	financial	ADJ
fsr-3294	72	46	crisis	crisis	NOUN
fsr-3294	72	47	.	.	PUNCT
fsr-3294	73	1	hypothesis	hypothesis	NOUN
fsr-3294	73	2	2	2	NUM
fsr-3294	73	3	:	:	PUNCT
fsr-3294	73	4	the	the	DET
fsr-3294	73	5	overall	overall	ADJ
fsr-3294	73	6	cash	cash	NOUN
fsr-3294	73	7	flow	flow	NOUN
fsr-3294	73	8	management	management	NOUN
fsr-3294	73	9	behavior	behavior	NOUN
fsr-3294	73	10	of	of	ADP
fsr-3294	73	11	all	all	DET
fsr-3294	73	12	employees	employee	NOUN
fsr-3294	73	13	will	will	AUX
fsr-3294	73	14	be	be	AUX
fsr-3294	73	15	significantly	significantly	ADV
fsr-3294	73	16	improved	improve	VERB
fsr-3294	73	17	after	after	ADP
fsr-3294	73	18	the	the	DET
fsr-3294	73	19	2007–2009	2007–2009	NUM
fsr-3294	73	20	financial	financial	ADJ
fsr-3294	73	21	crisis	crisis	NOUN
fsr-3294	73	22	versus	versus	ADP
fsr-3294	73	23	before	before	ADP
fsr-3294	73	24	the	the	DET
fsr-3294	73	25	2007–2009	2007–2009	NUM
fsr-3294	73	26	financial	financial	ADJ
fsr-3294	73	27	crisis	crisis	NOUN
fsr-3294	73	28	.	.	PUNCT
fsr-3294	74	1	hypothesis	hypothesis	NOUN
fsr-3294	74	2	3	3	NUM
fsr-3294	74	3	:	:	PUNCT
fsr-3294	74	4	the	the	DET
fsr-3294	74	5	overall	overall	ADJ
fsr-3294	74	6	savings	saving	NOUN
fsr-3294	74	7	behavior	behavior	NOUN
fsr-3294	74	8	of	of	ADP
fsr-3294	74	9	low	low	ADJ
fsr-3294	74	10	-	-	PUNCT
fsr-3294	74	11	income	income	NOUN
fsr-3294	74	12	employees	employee	NOUN
fsr-3294	74	13	will	will	AUX
fsr-3294	74	14	be	be	AUX
fsr-3294	74	15	significantly	significantly	ADV
fsr-3294	74	16	improved	improve	VERB
fsr-3294	74	17	after	after	ADP
fsr-3294	74	18	the	the	DET
fsr-3294	74	19	2007–2009	2007–2009	NUM
fsr-3294	74	20	financial	financial	ADJ
fsr-3294	74	21	crisis	crisis	NOUN
fsr-3294	74	22	versus	versus	ADP
fsr-3294	74	23	before	before	ADP
fsr-3294	74	24	the	the	DET
fsr-3294	74	25	2007–2009	2007–2009	NUM
fsr-3294	74	26	financial	financial	ADJ
fsr-3294	74	27	crisis	crisis	NOUN
fsr-3294	74	28	.	.	PUNCT
fsr-3294	75	1	hypothesis	hypothesis	NOUN
fsr-3294	75	2	4	4	NUM
fsr-3294	75	3	:	:	PUNCT
fsr-3294	75	4	the	the	DET
fsr-3294	75	5	overall	overall	ADJ
fsr-3294	75	6	cash	cash	NOUN
fsr-3294	75	7	flow	flow	NOUN
fsr-3294	75	8	management	management	NOUN
fsr-3294	75	9	behavior	behavior	NOUN
fsr-3294	75	10	of	of	ADP
fsr-3294	75	11	low	low	ADJ
fsr-3294	75	12	-	-	PUNCT
fsr-3294	75	13	income	income	NOUN
fsr-3294	75	14	employees	employee	NOUN
fsr-3294	75	15	will	will	AUX
fsr-3294	75	16	be	be	AUX
fsr-3294	75	17	significantly	significantly	ADV
fsr-3294	75	18	improved	improve	VERB
fsr-3294	75	19	after	after	ADP
fsr-3294	75	20	the	the	DET
fsr-3294	75	21	2007–2009	2007–2009	NUM
fsr-3294	75	22	financial	financial	ADJ
fsr-3294	75	23	crisis	crisis	NOUN
fsr-3294	75	24	versus	versus	ADP
fsr-3294	75	25	before	before	ADP
fsr-3294	75	26	the	the	DET
fsr-3294	75	27	2007–2009	2007–2009	NUM
fsr-3294	75	28	financial	financial	ADJ
fsr-3294	75	29	crisis	crisis	NOUN
fsr-3294	75	30	.	.	PUNCT
fsr-3294	76	1	4	4	X
fsr-3294	76	2	.	.	X
fsr-3294	76	3	methodology	methodology	NOUN
fsr-3294	76	4	4.1	4.1	NUM
fsr-3294	76	5	.	.	PUNCT
fsr-3294	77	1	data	datum	NOUN
fsr-3294	77	2	and	and	CCONJ
fsr-3294	77	3	sample	sample	NOUN
fsr-3294	77	4	data	datum	NOUN
fsr-3294	77	5	from	from	ADP
fsr-3294	77	6	the	the	DET
fsr-3294	77	7	2004	2004	NUM
fsr-3294	77	8	and	and	CCONJ
fsr-3294	77	9	2013	2013	NUM
fsr-3294	77	10	survey	survey	NOUN
fsr-3294	77	11	of	of	ADP
fsr-3294	77	12	consumer	consumer	NOUN
fsr-3294	77	13	finances	finance	NOUN
fsr-3294	77	14	(	(	PUNCT
fsr-3294	77	15	scf	scf	PROPN
fsr-3294	77	16	)	)	PUNCT
fsr-3294	77	17	were	be	AUX
fsr-3294	77	18	used	use	VERB
fsr-3294	77	19	for	for	ADP
fsr-3294	77	20	this	this	DET
fsr-3294	77	21	study	study	NOUN
fsr-3294	77	22	.	.	PUNCT
fsr-3294	78	1	these	these	DET
fsr-3294	78	2	two	two	NUM
fsr-3294	78	3	years	year	NOUN
fsr-3294	78	4	were	be	AUX
fsr-3294	78	5	selected	select	VERB
fsr-3294	78	6	because	because	SCONJ
fsr-3294	78	7	they	they	PRON
fsr-3294	78	8	were	be	AUX
fsr-3294	78	9	definitely	definitely	ADV
fsr-3294	78	10	before	before	ADV
fsr-3294	78	11	and	and	CCONJ
fsr-3294	78	12	after	after	ADP
fsr-3294	78	13	the	the	DET
fsr-3294	78	14	financial	financial	ADJ
fsr-3294	78	15	crisis	crisis	NOUN
fsr-3294	78	16	.	.	PUNCT
fsr-3294	79	1	the	the	DET
fsr-3294	79	2	scf	scf	PROPN
fsr-3294	79	3	,	,	PUNCT
fsr-3294	79	4	sponsored	sponsor	VERB
fsr-3294	79	5	by	by	ADP
fsr-3294	79	6	the	the	DET
fsr-3294	79	7	federal	federal	PROPN
fsr-3294	79	8	reserve	reserve	PROPN
fsr-3294	79	9	bank	bank	PROPN
fsr-3294	79	10	,	,	PUNCT
fsr-3294	79	11	is	be	AUX
fsr-3294	79	12	a	a	DET
fsr-3294	79	13	triennial	triennial	ADJ
fsr-3294	79	14	crosssectional	crosssectional	ADJ
fsr-3294	79	15	survey	survey	NOUN
fsr-3294	79	16	of	of	ADP
fsr-3294	79	17	u.s	u.s	PROPN
fsr-3294	79	18	.	.	PROPN
fsr-3294	79	19	families	family	NOUN
fsr-3294	79	20	that	that	PRON
fsr-3294	79	21	is	be	AUX
fsr-3294	79	22	collected	collect	VERB
fsr-3294	79	23	by	by	ADP
fsr-3294	79	24	the	the	DET
fsr-3294	79	25	national	national	ADJ
fsr-3294	79	26	opinion	opinion	PROPN
fsr-3294	79	27	research	research	NOUN
fsr-3294	79	28	center	center	NOUN
fsr-3294	79	29	(	(	PUNCT
fsr-3294	79	30	norc	norc	NOUN
fsr-3294	79	31	)	)	PUNCT
fsr-3294	79	32	,	,	PUNCT
fsr-3294	79	33	a	a	DET
fsr-3294	79	34	research	research	NOUN
fsr-3294	79	35	organization	organization	NOUN
fsr-3294	79	36	at	at	ADP
fsr-3294	79	37	the	the	DET
fsr-3294	79	38	university	university	PROPN
fsr-3294	79	39	of	of	ADP
fsr-3294	79	40	chicago	chicago	PROPN
fsr-3294	79	41	.	.	PUNCT
fsr-3294	80	1	the	the	DET
fsr-3294	80	2	scf	scf	PROPN
fsr-3294	80	3	includes	include	VERB
fsr-3294	80	4	descriptive	descriptive	ADJ
fsr-3294	80	5	information	information	NOUN
fsr-3294	80	6	about	about	ADP
fsr-3294	80	7	a	a	DET
fsr-3294	80	8	family	family	NOUN
fsr-3294	80	9	such	such	ADJ
fsr-3294	80	10	as	as	ADP
fsr-3294	80	11	location	location	NOUN
fsr-3294	80	12	and	and	CCONJ
fsr-3294	80	13	household	household	NOUN
fsr-3294	80	14	size	size	NOUN
fsr-3294	80	15	,	,	PUNCT
fsr-3294	80	16	as	as	ADV
fsr-3294	80	17	well	well	ADV
fsr-3294	80	18	as	as	ADP
fsr-3294	80	19	financial	financial	ADJ
fsr-3294	80	20	information	information	NOUN
fsr-3294	80	21	such	such	ADJ
fsr-3294	80	22	as	as	ADP
fsr-3294	80	23	household	household	NOUN
fsr-3294	80	24	income	income	NOUN
fsr-3294	80	25	,	,	PUNCT
fsr-3294	80	26	assets	asset	NOUN
fsr-3294	80	27	,	,	PUNCT
fsr-3294	80	28	liabilities	liability	NOUN
fsr-3294	80	29	,	,	PUNCT
fsr-3294	80	30	expenses	expense	NOUN
fsr-3294	80	31	,	,	PUNCT
fsr-3294	80	32	and	and	CCONJ
fsr-3294	80	33	banking	banking	NOUN
fsr-3294	80	34	relationships	relationship	NOUN
fsr-3294	80	35	.	.	PUNCT
fsr-3294	81	1	the	the	DET
fsr-3294	81	2	scf	scf	PROPN
fsr-3294	81	3	also	also	ADV
fsr-3294	81	4	provides	provide	VERB
fsr-3294	81	5	information	information	NOUN
fsr-3294	81	6	on	on	ADP
fsr-3294	81	7	a	a	DET
fsr-3294	81	8	household	household	NOUN
fsr-3294	81	9	’s	’s	PART
fsr-3294	81	10	financial	financial	ADJ
fsr-3294	81	11	behaviors	behavior	NOUN
fsr-3294	81	12	such	such	ADJ
fsr-3294	81	13	as	as	ADP
fsr-3294	81	14	savings	saving	NOUN
fsr-3294	81	15	,	,	PUNCT
fsr-3294	81	16	spending	spending	NOUN
fsr-3294	81	17	and	and	CCONJ
fsr-3294	81	18	investing	investing	NOUN
fsr-3294	81	19	behavior	behavior	NOUN
fsr-3294	81	20	.	.	PUNCT
fsr-3294	82	1	most	most	ADJ
fsr-3294	82	2	information	information	NOUN
fsr-3294	82	3	within	within	ADP
fsr-3294	82	4	scf	scf	PROPN
fsr-3294	82	5	represents	represent	VERB
fsr-3294	82	6	the	the	DET
fsr-3294	82	7	overall	overall	ADJ
fsr-3294	82	8	household	household	NOUN
fsr-3294	82	9	.	.	PUNCT
fsr-3294	83	1	however	however	ADV
fsr-3294	83	2	,	,	PUNCT
fsr-3294	83	3	information	information	NOUN
fsr-3294	83	4	that	that	PRON
fsr-3294	83	5	is	be	AUX
fsr-3294	83	6	pertinent	pertinent	ADJ
fsr-3294	83	7	to	to	ADP
fsr-3294	83	8	an	an	DET
fsr-3294	83	9	individual	individual	NOUN
fsr-3294	83	10	,	,	PUNCT
fsr-3294	83	11	such	such	ADJ
fsr-3294	83	12	as	as	ADP
fsr-3294	83	13	employment	employment	NOUN
fsr-3294	83	14	status	status	NOUN
fsr-3294	83	15	,	,	PUNCT
fsr-3294	83	16	refers	refer	VERB
fsr-3294	83	17	to	to	ADP
fsr-3294	83	18	the	the	DET
fsr-3294	83	19	head	head	NOUN
fsr-3294	83	20	of	of	ADP
fsr-3294	83	21	household	household	NOUN
fsr-3294	83	22	.	.	PUNCT
fsr-3294	84	1	in	in	ADP
fsr-3294	84	2	a	a	DET
fsr-3294	84	3	mixed	mixed	ADJ
fsr-3294	84	4	sex	sex	NOUN
fsr-3294	84	5	marriage	marriage	NOUN
fsr-3294	84	6	,	,	PUNCT
fsr-3294	84	7	the	the	DET
fsr-3294	84	8	male	male	NOUN
fsr-3294	84	9	represents	represent	VERB
fsr-3294	84	10	the	the	DET
fsr-3294	84	11	head	head	NOUN
fsr-3294	84	12	of	of	ADP
fsr-3294	84	13	household	household	NOUN
fsr-3294	84	14	;	;	PUNCT
fsr-3294	84	15	and	and	CCONJ
fsr-3294	84	16	in	in	ADP
fsr-3294	84	17	a	a	DET
fsr-3294	84	18	same	same	ADJ
fsr-3294	84	19	sex	sex	NOUN
fsr-3294	84	20	marriage	marriage	NOUN
fsr-3294	84	21	the	the	DET
fsr-3294	84	22	older	old	ADJ
fsr-3294	84	23	individual	individual	NOUN
fsr-3294	84	24	represents	represent	VERB
fsr-3294	84	25	the	the	DET
fsr-3294	84	26	head	head	NOUN
fsr-3294	84	27	of	of	ADP
fsr-3294	84	28	household	household	NOUN
fsr-3294	84	29	(	(	PUNCT
fsr-3294	84	30	federal	federal	PROPN
fsr-3294	84	31	reserve	reserve	PROPN
fsr-3294	84	32	,	,	PUNCT
fsr-3294	84	33	2014	2014	NUM
fsr-3294	84	34	)	)	PUNCT
fsr-3294	84	35	.	.	PUNCT
fsr-3294	85	1	a	a	DET
fsr-3294	85	2	subsample	subsample	NOUN
fsr-3294	85	3	of	of	ADP
fsr-3294	85	4	respondents	respondent	NOUN
fsr-3294	85	5	was	be	AUX
fsr-3294	85	6	created	create	VERB
fsr-3294	85	7	by	by	ADP
fsr-3294	85	8	segmenting	segment	VERB
fsr-3294	85	9	data	datum	NOUN
fsr-3294	85	10	by	by	ADP
fsr-3294	85	11	employment	employment	NOUN
fsr-3294	85	12	status	status	NOUN
fsr-3294	85	13	.	.	PUNCT
fsr-3294	86	1	among	among	ADP
fsr-3294	86	2	the	the	DET
fsr-3294	86	3	4,519	4,519	NUM
fsr-3294	86	4	households	household	NOUN
fsr-3294	86	5	within	within	ADP
fsr-3294	86	6	the	the	DET
fsr-3294	86	7	2004	2004	NUM
fsr-3294	86	8	scf	scf	PROPN
fsr-3294	86	9	,	,	PUNCT
fsr-3294	86	10	3,259	3,259	NUM
fsr-3294	86	11	(	(	PUNCT
fsr-3294	86	12	72	72	NUM
fsr-3294	86	13	%	%	NOUN
fsr-3294	86	14	)	)	PUNCT
fsr-3294	86	15	were	be	AUX
fsr-3294	86	16	employees	employee	NOUN
fsr-3294	86	17	.	.	PUNCT
fsr-3294	87	1	among	among	ADP
fsr-3294	87	2	the	the	DET
fsr-3294	87	3	6,482	6,482	NUM
fsr-3294	87	4	households	household	NOUN
fsr-3294	87	5	within	within	ADP
fsr-3294	87	6	the	the	DET
fsr-3294	87	7	2013	2013	NUM
fsr-3294	87	8	scf	scf	PROPN
fsr-3294	87	9	,	,	PUNCT
fsr-3294	87	10	3,987	3,987	NUM
fsr-3294	87	11	(	(	PUNCT
fsr-3294	87	12	62	62	NUM
fsr-3294	87	13	%	%	NOUN
fsr-3294	87	14	)	)	PUNCT
fsr-3294	87	15	were	be	AUX
fsr-3294	87	16	employees	employee	NOUN
fsr-3294	87	17	.	.	PUNCT
fsr-3294	88	1	in	in	ADP
fsr-3294	88	2	total	total	NOUN
fsr-3294	88	3	,	,	PUNCT
fsr-3294	88	4	7,622	7,622	NUM
fsr-3294	88	5	employees	employee	NOUN
fsr-3294	88	6	were	be	AUX
fsr-3294	88	7	included	include	VERB
fsr-3294	88	8	in	in	ADP
fsr-3294	88	9	this	this	DET
fsr-3294	88	10	study	study	NOUN
fsr-3294	88	11	;	;	PUNCT
fsr-3294	88	12	however	however	ADV
fsr-3294	88	13	,	,	PUNCT
fsr-3294	88	14	376	376	NUM
fsr-3294	88	15	employees	employee	NOUN
fsr-3294	88	16	failed	fail	VERB
fsr-3294	88	17	to	to	PART
fsr-3294	88	18	report	report	VERB
fsr-3294	88	19	their	their	PRON
fsr-3294	88	20	income	income	NOUN
fsr-3294	88	21	,	,	PUNCT
fsr-3294	88	22	and	and	CCONJ
fsr-3294	88	23	therefore	therefore	ADV
fsr-3294	88	24	,	,	PUNCT
fsr-3294	88	25	only	only	ADV
fsr-3294	88	26	7,246	7,246	NUM
fsr-3294	88	27	employees	employee	NOUN
fsr-3294	88	28	were	be	AUX
fsr-3294	88	29	utilized	utilize	VERB
fsr-3294	88	30	in	in	ADP
fsr-3294	88	31	the	the	DET
fsr-3294	88	32	analysis	analysis	NOUN
fsr-3294	88	33	.	.	PUNCT
fsr-3294	89	1	this	this	DET
fsr-3294	89	2	larger	large	ADJ
fsr-3294	89	3	employee	employee	NOUN
fsr-3294	89	4	sample	sample	NOUN
fsr-3294	89	5	was	be	AUX
fsr-3294	89	6	further	far	ADV
fsr-3294	89	7	segmented	segment	VERB
fsr-3294	89	8	to	to	PART
fsr-3294	89	9	create	create	VERB
fsr-3294	89	10	the	the	DET
fsr-3294	89	11	low	low	ADJ
fsr-3294	89	12	-	-	PUNCT
fsr-3294	89	13	income	income	NOUN
fsr-3294	89	14	,	,	PUNCT
fsr-3294	89	15	middleincome	middleincome	PROPN
fsr-3294	89	16	,	,	PUNCT
fsr-3294	89	17	and	and	CCONJ
fsr-3294	89	18	high	high	ADJ
fsr-3294	89	19	-	-	PUNCT
fsr-3294	89	20	income	income	NOUN
fsr-3294	89	21	employee	employee	NOUN
fsr-3294	89	22	subsamples	subsample	NOUN
fsr-3294	89	23	.	.	PUNCT
fsr-3294	90	1	these	these	DET
fsr-3294	90	2	segments	segment	NOUN
fsr-3294	90	3	were	be	AUX
fsr-3294	90	4	based	base	VERB
fsr-3294	90	5	on	on	ADP
fsr-3294	90	6	income	income	NOUN
fsr-3294	90	7	23c	23c	NOUN
fsr-3294	90	8	.	.	PUNCT
fsr-3294	91	1	hudson	hudson	PROPN
fsr-3294	91	2	et	et	PROPN
fsr-3294	91	3	al	al	PROPN
fsr-3294	91	4	.	.	PUNCT
fsr-3294	91	5	/	/	SYM
fsr-3294	91	6	financial	financial	ADJ
fsr-3294	91	7	services	service	NOUN
fsr-3294	91	8	review	review	VERB
fsr-3294	91	9	26	26	NUM
fsr-3294	91	10	(	(	PUNCT
fsr-3294	91	11	2017	2017	NUM
fsr-3294	91	12	)	)	PUNCT
fsr-3294	91	13	19–36	19–36	NUM
fsr-3294	91	14	and	and	CCONJ
fsr-3294	91	15	household	household	NOUN
fsr-3294	91	16	size	size	NOUN
fsr-3294	91	17	.	.	PUNCT
fsr-3294	92	1	although	although	SCONJ
fsr-3294	92	2	all	all	DET
fsr-3294	92	3	employees	employee	NOUN
fsr-3294	92	4	and	and	CCONJ
fsr-3294	92	5	low	low	ADJ
fsr-3294	92	6	-	-	PUNCT
fsr-3294	92	7	income	income	NOUN
fsr-3294	92	8	employee	employee	NOUN
fsr-3294	92	9	segments	segment	NOUN
fsr-3294	92	10	were	be	AUX
fsr-3294	92	11	the	the	DET
fsr-3294	92	12	focal	focal	ADJ
fsr-3294	92	13	groups	group	NOUN
fsr-3294	92	14	,	,	PUNCT
fsr-3294	92	15	middle	middle	ADJ
fsr-3294	92	16	-	-	PUNCT
fsr-3294	92	17	income	income	NOUN
fsr-3294	92	18	and	and	CCONJ
fsr-3294	92	19	high	high	ADJ
fsr-3294	92	20	-	-	PUNCT
fsr-3294	92	21	income	income	NOUN
fsr-3294	92	22	subsamples	subsample	NOUN
fsr-3294	92	23	were	be	AUX
fsr-3294	92	24	created	create	VERB
fsr-3294	92	25	for	for	ADP
fsr-3294	92	26	further	further	ADJ
fsr-3294	92	27	comparison	comparison	NOUN
fsr-3294	92	28	.	.	PUNCT
fsr-3294	93	1	low	low	ADJ
fsr-3294	93	2	-	-	PUNCT
fsr-3294	93	3	income	income	NOUN
fsr-3294	93	4	employees	employee	NOUN
fsr-3294	93	5	are	be	AUX
fsr-3294	93	6	defined	define	VERB
fsr-3294	93	7	as	as	ADP
fsr-3294	93	8	employees	employee	NOUN
fsr-3294	93	9	with	with	ADP
fsr-3294	93	10	household	household	NOUN
fsr-3294	93	11	incomes	income	NOUN
fsr-3294	93	12	less	less	ADJ
fsr-3294	93	13	than	than	ADP
fsr-3294	93	14	or	or	CCONJ
fsr-3294	93	15	equal	equal	ADJ
fsr-3294	93	16	to	to	ADP
fsr-3294	93	17	200	200	NUM
fsr-3294	93	18	%	%	NOUN
fsr-3294	93	19	of	of	ADP
fsr-3294	93	20	the	the	DET
fsr-3294	93	21	u.s	u.s	PROPN
fsr-3294	93	22	.	.	PROPN
fsr-3294	93	23	poverty	poverty	NOUN
fsr-3294	93	24	level	level	NOUN
fsr-3294	93	25	.	.	PUNCT
fsr-3294	94	1	the	the	DET
fsr-3294	94	2	u.s	u.s	PROPN
fsr-3294	94	3	.	.	PROPN
fsr-3294	94	4	poverty	poverty	NOUN
fsr-3294	94	5	level	level	NOUN
fsr-3294	94	6	is	be	AUX
fsr-3294	94	7	based	base	VERB
fsr-3294	94	8	on	on	ADP
fsr-3294	94	9	household	household	NOUN
fsr-3294	94	10	size	size	NOUN
fsr-3294	94	11	and	and	CCONJ
fsr-3294	94	12	income	income	NOUN
fsr-3294	94	13	and	and	CCONJ
fsr-3294	94	14	the	the	DET
fsr-3294	94	15	categorization	categorization	NOUN
fsr-3294	94	16	of	of	ADP
fsr-3294	94	17	households	household	NOUN
fsr-3294	94	18	in	in	ADP
fsr-3294	94	19	this	this	DET
fsr-3294	94	20	research	research	NOUN
fsr-3294	94	21	follows	follow	VERB
fsr-3294	94	22	a	a	DET
fsr-3294	94	23	similar	similar	ADJ
fsr-3294	94	24	design	design	NOUN
fsr-3294	94	25	(	(	PUNCT
fsr-3294	94	26	hudson	hudson	PROPN
fsr-3294	94	27	&	&	CCONJ
fsr-3294	94	28	palmer	palmer	PROPN
fsr-3294	94	29	,	,	PUNCT
fsr-3294	94	30	2014	2014	NUM
fsr-3294	94	31	)	)	PUNCT
fsr-3294	94	32	.	.	PUNCT
fsr-3294	95	1	middle	middle	ADJ
fsr-3294	95	2	-	-	PUNCT
fsr-3294	95	3	income	income	NOUN
fsr-3294	95	4	employees	employee	NOUN
fsr-3294	95	5	are	be	AUX
fsr-3294	95	6	defined	define	VERB
fsr-3294	95	7	as	as	SCONJ
fsr-3294	95	8	employees	employee	NOUN
fsr-3294	95	9	with	with	ADP
fsr-3294	95	10	household	household	NOUN
fsr-3294	95	11	incomes	income	NOUN
fsr-3294	95	12	between	between	ADP
fsr-3294	95	13	200	200	NUM
fsr-3294	95	14	and	and	CCONJ
fsr-3294	95	15	400	400	NUM
fsr-3294	95	16	%	%	NOUN
fsr-3294	95	17	of	of	ADP
fsr-3294	95	18	the	the	DET
fsr-3294	95	19	u.s	u.s	PROPN
fsr-3294	95	20	.	.	PROPN
fsr-3294	95	21	poverty	poverty	NOUN
fsr-3294	95	22	level	level	NOUN
fsr-3294	95	23	,	,	PUNCT
fsr-3294	95	24	and	and	CCONJ
fsr-3294	95	25	high	high	ADJ
fsr-3294	95	26	-	-	PUNCT
fsr-3294	95	27	income	income	NOUN
fsr-3294	95	28	employees	employee	NOUN
fsr-3294	95	29	are	be	AUX
fsr-3294	95	30	defined	define	VERB
fsr-3294	95	31	as	as	ADP
fsr-3294	95	32	employees	employee	NOUN
fsr-3294	95	33	with	with	ADP
fsr-3294	95	34	household	household	NOUN
fsr-3294	95	35	incomes	income	NOUN
fsr-3294	95	36	above	above	ADP
fsr-3294	95	37	400	400	NUM
fsr-3294	95	38	%	%	NOUN
fsr-3294	95	39	of	of	ADP
fsr-3294	95	40	the	the	DET
fsr-3294	95	41	u.s	u.s	PROPN
fsr-3294	95	42	.	.	PROPN
fsr-3294	95	43	poverty	poverty	NOUN
fsr-3294	95	44	level	level	NOUN
fsr-3294	95	45	.	.	PUNCT
fsr-3294	96	1	the	the	DET
fsr-3294	96	2	poverty	poverty	NOUN
fsr-3294	96	3	levels	level	NOUN
fsr-3294	96	4	of	of	ADP
fsr-3294	96	5	household	household	NOUN
fsr-3294	96	6	size	size	NOUN
fsr-3294	96	7	and	and	CCONJ
fsr-3294	96	8	income	income	NOUN
fsr-3294	96	9	are	be	AUX
fsr-3294	96	10	listed	list	VERB
fsr-3294	96	11	in	in	ADP
fsr-3294	96	12	tables	table	NOUN
fsr-3294	96	13	1	1	NUM
fsr-3294	96	14	and	and	CCONJ
fsr-3294	96	15	2	2	NUM
fsr-3294	96	16	for	for	ADP
fsr-3294	96	17	both	both	DET
fsr-3294	96	18	2004	2004	NUM
fsr-3294	96	19	and	and	CCONJ
fsr-3294	96	20	2013	2013	NUM
fsr-3294	96	21	(	(	PUNCT
fsr-3294	96	22	u.s	u.s	PROPN
fsr-3294	96	23	.	.	PROPN
fsr-3294	96	24	department	department	PROPN
fsr-3294	96	25	of	of	ADP
fsr-3294	96	26	health	health	PROPN
fsr-3294	96	27	and	and	CCONJ
fsr-3294	96	28	human	human	PROPN
fsr-3294	96	29	services	service	NOUN
fsr-3294	96	30	,	,	PUNCT
fsr-3294	96	31	2004	2004	NUM
fsr-3294	96	32	,	,	PUNCT
fsr-3294	96	33	2013	2013	NUM
fsr-3294	96	34	)	)	PUNCT
fsr-3294	96	35	.	.	PUNCT
fsr-3294	97	1	the	the	DET
fsr-3294	97	2	overall	overall	ADJ
fsr-3294	97	3	employee	employee	NOUN
fsr-3294	97	4	sample	sample	NOUN
fsr-3294	97	5	had	have	VERB
fsr-3294	97	6	more	more	ADJ
fsr-3294	97	7	male	male	ADJ
fsr-3294	97	8	respondents	respondent	NOUN
fsr-3294	97	9	than	than	ADP
fsr-3294	97	10	female	female	ADJ
fsr-3294	97	11	respondents	respondent	NOUN
fsr-3294	97	12	in	in	ADP
fsr-3294	97	13	both	both	DET
fsr-3294	97	14	2004	2004	NUM
fsr-3294	97	15	and	and	CCONJ
fsr-3294	97	16	2013	2013	NUM
fsr-3294	97	17	.	.	PUNCT
fsr-3294	98	1	when	when	SCONJ
fsr-3294	98	2	this	this	DET
fsr-3294	98	3	employee	employee	NOUN
fsr-3294	98	4	sample	sample	NOUN
fsr-3294	98	5	was	be	AUX
fsr-3294	98	6	segmented	segment	VERB
fsr-3294	98	7	by	by	ADP
fsr-3294	98	8	income	income	NOUN
fsr-3294	98	9	,	,	PUNCT
fsr-3294	98	10	the	the	DET
fsr-3294	98	11	highest	high	ADJ
fsr-3294	98	12	proportion	proportion	NOUN
fsr-3294	98	13	of	of	ADP
fsr-3294	98	14	female	female	ADJ
fsr-3294	98	15	respondents	respondent	NOUN
fsr-3294	98	16	was	be	AUX
fsr-3294	98	17	observed	observe	VERB
fsr-3294	98	18	among	among	ADP
fsr-3294	98	19	low	low	ADJ
fsr-3294	98	20	-	-	PUNCT
fsr-3294	98	21	income	income	NOUN
fsr-3294	98	22	employees	employee	NOUN
fsr-3294	98	23	in	in	ADP
fsr-3294	98	24	both	both	DET
fsr-3294	98	25	2004	2004	NUM
fsr-3294	98	26	and	and	CCONJ
fsr-3294	98	27	2013	2013	NUM
fsr-3294	98	28	,	,	PUNCT
fsr-3294	98	29	while	while	SCONJ
fsr-3294	98	30	the	the	DET
fsr-3294	98	31	highest	high	ADJ
fsr-3294	98	32	proportion	proportion	NOUN
fsr-3294	98	33	of	of	ADP
fsr-3294	98	34	males	male	NOUN
fsr-3294	98	35	was	be	AUX
fsr-3294	98	36	observed	observe	VERB
fsr-3294	98	37	among	among	ADP
fsr-3294	98	38	high	high	ADJ
fsr-3294	98	39	-	-	PUNCT
fsr-3294	98	40	income	income	NOUN
fsr-3294	98	41	employees	employee	NOUN
fsr-3294	98	42	for	for	ADP
fsr-3294	98	43	both	both	DET
fsr-3294	98	44	years	year	NOUN
fsr-3294	98	45	.	.	PUNCT
fsr-3294	99	1	furthermore	furthermore	ADV
fsr-3294	99	2	,	,	PUNCT
fsr-3294	99	3	the	the	DET
fsr-3294	99	4	employee	employee	NOUN
fsr-3294	99	5	sample	sample	NOUN
fsr-3294	99	6	primarily	primarily	ADV
fsr-3294	99	7	consisted	consist	VERB
fsr-3294	99	8	of	of	ADP
fsr-3294	99	9	whites	white	NOUN
fsr-3294	99	10	in	in	ADP
fsr-3294	99	11	both	both	DET
fsr-3294	99	12	2004	2004	NUM
fsr-3294	99	13	table	table	NOUN
fsr-3294	99	14	1	1	NUM
fsr-3294	99	15	2013	2013	NUM
fsr-3294	99	16	income	income	NOUN
fsr-3294	99	17	subsamples	subsample	NOUN
fsr-3294	99	18	based	base	VERB
fsr-3294	99	19	on	on	ADP
fsr-3294	99	20	poverty	poverty	NOUN
fsr-3294	99	21	levels	level	NOUN
fsr-3294	99	22	household	household	NOUN
fsr-3294	99	23	size	size	NOUN
fsr-3294	99	24	low	low	ADJ
fsr-3294	99	25	-	-	PUNCT
fsr-3294	99	26	income	income	NOUN
fsr-3294	99	27	middle	middle	ADJ
fsr-3294	99	28	-	-	PUNCT
fsr-3294	99	29	income	income	NOUN
fsr-3294	99	30	high	high	ADJ
fsr-3294	99	31	-	-	PUNCT
fsr-3294	99	32	income	income	NOUN
fsr-3294	99	33	less	less	ADJ
fsr-3294	99	34	than	than	ADP
fsr-3294	99	35	200	200	NUM
fsr-3294	99	36	%	%	NOUN
fsr-3294	99	37	between	between	ADP
fsr-3294	99	38	200	200	NUM
fsr-3294	99	39	and	and	CCONJ
fsr-3294	99	40	400	400	NUM
fsr-3294	99	41	%	%	NOUN
fsr-3294	99	42	greater	great	ADJ
fsr-3294	99	43	than	than	ADP
fsr-3294	99	44	400	400	NUM
fsr-3294	99	45	%	%	NOUN
fsr-3294	100	1	1	1	NUM
fsr-3294	100	2	$	$	SYM
fsr-3294	100	3	22,980	22,980	NUM
fsr-3294	100	4	$	$	SYM
fsr-3294	100	5	22,980	22,980	NUM
fsr-3294	100	6	$	$	SYM
fsr-3294	100	7	45,960	45,960	NUM
fsr-3294	100	8	$	$	SYM
fsr-3294	100	9	45,960	45,960	NUM
fsr-3294	100	10	2	2	NUM
fsr-3294	100	11	$	$	SYM
fsr-3294	100	12	31,020	31,020	NUM
fsr-3294	100	13	$	$	SYM
fsr-3294	100	14	31,020	31,020	NUM
fsr-3294	100	15	$	$	SYM
fsr-3294	100	16	62,040	62,040	NUM
fsr-3294	100	17	$	$	SYM
fsr-3294	100	18	62,040	62,040	NUM
fsr-3294	100	19	3	3	NUM
fsr-3294	100	20	$	$	SYM
fsr-3294	100	21	39,060	39,060	NUM
fsr-3294	100	22	$	$	SYM
fsr-3294	100	23	39,060	39,060	NUM
fsr-3294	100	24	$	$	SYM
fsr-3294	100	25	78,120	78,120	NUM
fsr-3294	100	26	$	$	SYM
fsr-3294	100	27	78,120	78,120	NUM
fsr-3294	100	28	4	4	NUM
fsr-3294	100	29	$	$	SYM
fsr-3294	100	30	47,100	47,100	NUM
fsr-3294	100	31	$	$	SYM
fsr-3294	100	32	47,100	47,100	NUM
fsr-3294	100	33	$	$	SYM
fsr-3294	100	34	94,200	94,200	NUM
fsr-3294	100	35	$	$	SYM
fsr-3294	100	36	94,200	94,200	NUM
fsr-3294	100	37	5	5	NUM
fsr-3294	100	38	$	$	SYM
fsr-3294	100	39	55,140	55,140	NUM
fsr-3294	100	40	$	$	SYM
fsr-3294	100	41	55,140	55,140	NUM
fsr-3294	100	42	$	$	SYM
fsr-3294	100	43	110,280	110,280	NUM
fsr-3294	100	44	$	$	SYM
fsr-3294	100	45	110,280	110,280	NUM
fsr-3294	100	46	6	6	NUM
fsr-3294	100	47	$	$	SYM
fsr-3294	100	48	63,180	63,180	NUM
fsr-3294	100	49	$	$	SYM
fsr-3294	100	50	63,180	63,180	NUM
fsr-3294	100	51	$	$	SYM
fsr-3294	100	52	126,360	126,360	NUM
fsr-3294	100	53	$	$	SYM
fsr-3294	100	54	126,360	126,360	NUM
fsr-3294	100	55	7	7	NUM
fsr-3294	100	56	$	$	SYM
fsr-3294	100	57	71,220	71,220	NUM
fsr-3294	100	58	$	$	SYM
fsr-3294	100	59	71,220	71,220	NUM
fsr-3294	100	60	$	$	SYM
fsr-3294	100	61	142,440	142,440	NUM
fsr-3294	100	62	$	$	SYM
fsr-3294	100	63	142,440	142,440	NUM
fsr-3294	100	64	8	8	NUM
fsr-3294	100	65	$	$	SYM
fsr-3294	100	66	79,260	79,260	NUM
fsr-3294	100	67	$	$	SYM
fsr-3294	100	68	79,260	79,260	NUM
fsr-3294	100	69	$	$	SYM
fsr-3294	100	70	158,520	158,520	NUM
fsr-3294	100	71	$	$	SYM
fsr-3294	100	72	158,520	158,520	NUM
fsr-3294	100	73	note	note	NOUN
fsr-3294	100	74	:	:	PUNCT
fsr-3294	100	75	u.s	u.s	PROPN
fsr-3294	100	76	.	.	PROPN
fsr-3294	100	77	2013	2013	NUM
fsr-3294	100	78	poverty	poverty	NOUN
fsr-3294	100	79	level	level	NOUN
fsr-3294	100	80	.	.	PUNCT
fsr-3294	101	1	adapted	adapt	VERB
fsr-3294	101	2	from	from	ADP
fsr-3294	101	3	the	the	DET
fsr-3294	101	4	2013	2013	NUM
fsr-3294	101	5	human	human	ADJ
fsr-3294	101	6	health	health	NOUN
fsr-3294	101	7	services	service	NOUN
fsr-3294	101	8	poverty	poverty	NOUN
fsr-3294	101	9	guidelines	guideline	NOUN
fsr-3294	101	10	,	,	PUNCT
fsr-3294	101	11	by	by	ADP
fsr-3294	101	12	the	the	DET
fsr-3294	101	13	u.s	u.s	PROPN
fsr-3294	101	14	.	.	PROPN
fsr-3294	101	15	department	department	PROPN
fsr-3294	101	16	of	of	ADP
fsr-3294	101	17	health	health	PROPN
fsr-3294	101	18	and	and	CCONJ
fsr-3294	101	19	human	human	PROPN
fsr-3294	101	20	services	service	NOUN
fsr-3294	101	21	,	,	PUNCT
fsr-3294	101	22	2013	2013	NUM
fsr-3294	101	23	(	(	PUNCT
fsr-3294	101	24	available	available	ADJ
fsr-3294	101	25	at	at	ADP
fsr-3294	101	26	http://aspe.hhs.gov/poverty/10poverty	http://aspe.hhs.gov/poverty/10poverty	PROPN
fsr-3294	101	27	.shtml/	.shtml/	PROPN
fsr-3294	101	28	)	)	PUNCT
fsr-3294	101	29	.	.	PUNCT
fsr-3294	102	1	table	table	NOUN
fsr-3294	102	2	2	2	NUM
fsr-3294	102	3	2004	2004	NUM
fsr-3294	102	4	income	income	NOUN
fsr-3294	102	5	subsamples	subsample	NOUN
fsr-3294	102	6	based	base	VERB
fsr-3294	102	7	on	on	ADP
fsr-3294	102	8	poverty	poverty	NOUN
fsr-3294	102	9	levels	level	NOUN
fsr-3294	102	10	household	household	NOUN
fsr-3294	102	11	size	size	NOUN
fsr-3294	102	12	low	low	ADJ
fsr-3294	102	13	-	-	PUNCT
fsr-3294	102	14	income	income	NOUN
fsr-3294	102	15	middle	middle	ADJ
fsr-3294	102	16	-	-	PUNCT
fsr-3294	102	17	income	income	NOUN
fsr-3294	102	18	high	high	ADJ
fsr-3294	102	19	-	-	PUNCT
fsr-3294	102	20	income	income	NOUN
fsr-3294	102	21	less	less	ADJ
fsr-3294	102	22	than	than	ADP
fsr-3294	102	23	200	200	NUM
fsr-3294	102	24	%	%	NOUN
fsr-3294	102	25	between	between	ADP
fsr-3294	102	26	200	200	NUM
fsr-3294	102	27	and	and	CCONJ
fsr-3294	102	28	400	400	NUM
fsr-3294	102	29	%	%	NOUN
fsr-3294	102	30	greater	great	ADJ
fsr-3294	102	31	than	than	ADP
fsr-3294	102	32	400	400	NUM
fsr-3294	102	33	%	%	NOUN
fsr-3294	103	1	1	1	NUM
fsr-3294	103	2	$	$	SYM
fsr-3294	103	3	18,620	18,620	NUM
fsr-3294	103	4	$	$	SYM
fsr-3294	103	5	18,620	18,620	NUM
fsr-3294	103	6	$	$	SYM
fsr-3294	103	7	37,240	37,240	NUM
fsr-3294	103	8	$	$	SYM
fsr-3294	103	9	37,240	37,240	NUM
fsr-3294	103	10	2	2	NUM
fsr-3294	103	11	$	$	SYM
fsr-3294	103	12	24,980	24,980	NUM
fsr-3294	103	13	$	$	SYM
fsr-3294	103	14	24,980	24,980	NUM
fsr-3294	103	15	$	$	SYM
fsr-3294	103	16	49,960	49,960	NUM
fsr-3294	103	17	$	$	SYM
fsr-3294	103	18	49,960	49,960	NUM
fsr-3294	103	19	3	3	NUM
fsr-3294	103	20	$	$	SYM
fsr-3294	103	21	31,340	31,340	NUM
fsr-3294	103	22	$	$	SYM
fsr-3294	103	23	31,340	31,340	NUM
fsr-3294	103	24	$	$	SYM
fsr-3294	103	25	62,680	62,680	NUM
fsr-3294	103	26	$	$	SYM
fsr-3294	103	27	62,680	62,680	NUM
fsr-3294	103	28	4	4	NUM
fsr-3294	103	29	$	$	SYM
fsr-3294	103	30	37,700	37,700	NUM
fsr-3294	103	31	$	$	SYM
fsr-3294	103	32	37,700	37,700	NUM
fsr-3294	103	33	$	$	SYM
fsr-3294	103	34	75,400	75,400	NUM
fsr-3294	103	35	$	$	SYM
fsr-3294	103	36	75,400	75,400	NUM
fsr-3294	103	37	5	5	NUM
fsr-3294	103	38	$	$	SYM
fsr-3294	103	39	44,060	44,060	NUM
fsr-3294	103	40	$	$	SYM
fsr-3294	103	41	44,060	44,060	NUM
fsr-3294	103	42	$	$	SYM
fsr-3294	103	43	88,129	88,129	NUM
fsr-3294	103	44	$	$	SYM
fsr-3294	103	45	88,129	88,129	NUM
fsr-3294	103	46	6	6	NUM
fsr-3294	103	47	$	$	SYM
fsr-3294	103	48	50,420	50,420	NUM
fsr-3294	103	49	$	$	SYM
fsr-3294	103	50	50,420	50,420	NUM
fsr-3294	103	51	$	$	SYM
fsr-3294	103	52	100,840	100,840	NUM
fsr-3294	103	53	$	$	SYM
fsr-3294	103	54	100,840	100,840	NUM
fsr-3294	103	55	7	7	NUM
fsr-3294	103	56	$	$	SYM
fsr-3294	103	57	56,780	56,780	NUM
fsr-3294	103	58	$	$	SYM
fsr-3294	103	59	56,780	56,780	NUM
fsr-3294	103	60	$	$	SYM
fsr-3294	103	61	113,560	113,560	NUM
fsr-3294	103	62	$	$	SYM
fsr-3294	103	63	113,560	113,560	NUM
fsr-3294	103	64	8	8	NUM
fsr-3294	103	65	$	$	SYM
fsr-3294	103	66	63,140	63,140	NUM
fsr-3294	103	67	$	$	SYM
fsr-3294	103	68	63,140	63,140	NUM
fsr-3294	103	69	$	$	SYM
fsr-3294	103	70	126,280	126,280	NUM
fsr-3294	103	71	$	$	SYM
fsr-3294	103	72	126,280	126,280	NUM
fsr-3294	103	73	note	note	NOUN
fsr-3294	103	74	:	:	PUNCT
fsr-3294	103	75	u.s	u.s	PROPN
fsr-3294	103	76	.	.	PROPN
fsr-3294	103	77	2004	2004	NUM
fsr-3294	103	78	poverty	poverty	NOUN
fsr-3294	103	79	level	level	NOUN
fsr-3294	103	80	.	.	PUNCT
fsr-3294	104	1	adapted	adapt	VERB
fsr-3294	104	2	from	from	ADP
fsr-3294	104	3	the	the	DET
fsr-3294	104	4	2004	2004	NUM
fsr-3294	104	5	human	human	PROPN
fsr-3294	104	6	health	health	PROPN
fsr-3294	104	7	services	service	NOUN
fsr-3294	104	8	poverty	poverty	NOUN
fsr-3294	104	9	guidelines	guideline	NOUN
fsr-3294	104	10	,	,	PUNCT
fsr-3294	104	11	by	by	ADP
fsr-3294	104	12	the	the	DET
fsr-3294	104	13	u.s	u.s	PROPN
fsr-3294	104	14	.	.	PROPN
fsr-3294	104	15	department	department	PROPN
fsr-3294	104	16	of	of	ADP
fsr-3294	104	17	health	health	PROPN
fsr-3294	104	18	and	and	CCONJ
fsr-3294	104	19	human	human	PROPN
fsr-3294	104	20	services	service	NOUN
fsr-3294	104	21	,	,	PUNCT
fsr-3294	104	22	2004	2004	NUM
fsr-3294	104	23	(	(	PUNCT
fsr-3294	104	24	available	available	ADJ
fsr-3294	104	25	at	at	ADP
fsr-3294	104	26	http://aspe.hhs.gov/poverty/04poverty.shtml/	http://aspe.hhs.gov/poverty/04poverty.shtml/	NOUN
fsr-3294	104	27	)	)	PUNCT
fsr-3294	104	28	.	.	PUNCT
fsr-3294	105	1	24	24	NUM
fsr-3294	105	2	c.	c.	PROPN
fsr-3294	105	3	hudson	hudson	PROPN
fsr-3294	105	4	et	et	PROPN
fsr-3294	105	5	al	al	PROPN
fsr-3294	105	6	.	.	PUNCT
fsr-3294	105	7	/	/	SYM
fsr-3294	105	8	financial	financial	ADJ
fsr-3294	105	9	services	service	NOUN
fsr-3294	105	10	review	review	VERB
fsr-3294	105	11	26	26	NUM
fsr-3294	105	12	(	(	PUNCT
fsr-3294	105	13	2017	2017	NUM
fsr-3294	105	14	)	)	PUNCT
fsr-3294	105	15	19–36	19–36	NUM
fsr-3294	105	16	and	and	CCONJ
fsr-3294	105	17	2013	2013	NUM
fsr-3294	105	18	.	.	PUNCT
fsr-3294	106	1	thus	thus	ADV
fsr-3294	106	2	,	,	PUNCT
fsr-3294	106	3	the	the	DET
fsr-3294	106	4	highest	high	ADJ
fsr-3294	106	5	proportion	proportion	NOUN
fsr-3294	106	6	of	of	ADP
fsr-3294	106	7	white	white	ADJ
fsr-3294	106	8	respondents	respondent	NOUN
fsr-3294	106	9	was	be	AUX
fsr-3294	106	10	among	among	ADP
fsr-3294	106	11	high	high	ADJ
fsr-3294	106	12	-	-	PUNCT
fsr-3294	106	13	income	income	NOUN
fsr-3294	106	14	employees	employee	NOUN
fsr-3294	106	15	,	,	PUNCT
fsr-3294	106	16	while	while	SCONJ
fsr-3294	106	17	the	the	DET
fsr-3294	106	18	highest	high	ADJ
fsr-3294	106	19	proportion	proportion	NOUN
fsr-3294	106	20	of	of	ADP
fsr-3294	106	21	hispanic	hispanic	ADJ
fsr-3294	106	22	and	and	CCONJ
fsr-3294	106	23	black	black	ADJ
fsr-3294	106	24	respondents	respondent	NOUN
fsr-3294	106	25	was	be	AUX
fsr-3294	106	26	among	among	ADP
fsr-3294	106	27	low	low	ADJ
fsr-3294	106	28	-	-	PUNCT
fsr-3294	106	29	income	income	NOUN
fsr-3294	106	30	employees	employee	NOUN
fsr-3294	106	31	.	.	PUNCT
fsr-3294	107	1	the	the	DET
fsr-3294	107	2	overall	overall	ADJ
fsr-3294	107	3	employee	employee	NOUN
fsr-3294	107	4	sample	sample	NOUN
fsr-3294	107	5	had	have	VERB
fsr-3294	107	6	more	more	ADV
fsr-3294	107	7	married	married	ADJ
fsr-3294	107	8	individuals	individual	NOUN
fsr-3294	107	9	in	in	ADP
fsr-3294	107	10	both	both	DET
fsr-3294	107	11	2004	2004	NUM
fsr-3294	107	12	and	and	CCONJ
fsr-3294	107	13	2013	2013	NUM
fsr-3294	107	14	.	.	PUNCT
fsr-3294	108	1	when	when	SCONJ
fsr-3294	108	2	segmented	segment	VERB
fsr-3294	108	3	by	by	ADP
fsr-3294	108	4	income	income	NOUN
fsr-3294	108	5	,	,	PUNCT
fsr-3294	108	6	the	the	DET
fsr-3294	108	7	highest	high	ADJ
fsr-3294	108	8	proportion	proportion	NOUN
fsr-3294	108	9	of	of	ADP
fsr-3294	108	10	married	married	ADJ
fsr-3294	108	11	individuals	individual	NOUN
fsr-3294	108	12	was	be	AUX
fsr-3294	108	13	observed	observe	VERB
fsr-3294	108	14	among	among	ADP
fsr-3294	108	15	high	high	ADJ
fsr-3294	108	16	-	-	PUNCT
fsr-3294	108	17	income	income	NOUN
fsr-3294	108	18	employees	employee	NOUN
fsr-3294	108	19	for	for	ADP
fsr-3294	108	20	both	both	DET
fsr-3294	108	21	years	year	NOUN
fsr-3294	108	22	.	.	PUNCT
fsr-3294	109	1	furthermore	furthermore	ADV
fsr-3294	109	2	,	,	PUNCT
fsr-3294	109	3	the	the	DET
fsr-3294	109	4	employee	employee	NOUN
fsr-3294	109	5	sample	sample	NOUN
fsr-3294	109	6	primarily	primarily	ADV
fsr-3294	109	7	consisted	consist	VERB
fsr-3294	109	8	of	of	ADP
fsr-3294	109	9	individuals	individual	NOUN
fsr-3294	109	10	who	who	PRON
fsr-3294	109	11	attained	attain	VERB
fsr-3294	109	12	a	a	DET
fsr-3294	109	13	high	high	ADJ
fsr-3294	109	14	school	school	NOUN
fsr-3294	109	15	degree	degree	NOUN
fsr-3294	109	16	or	or	CCONJ
fsr-3294	109	17	less	less	ADJ
fsr-3294	109	18	for	for	ADP
fsr-3294	109	19	both	both	DET
fsr-3294	109	20	2004	2004	NUM
fsr-3294	109	21	and	and	CCONJ
fsr-3294	109	22	2013	2013	NUM
fsr-3294	109	23	,	,	PUNCT
fsr-3294	109	24	while	while	SCONJ
fsr-3294	109	25	the	the	DET
fsr-3294	109	26	highest	high	ADJ
fsr-3294	109	27	proportion	proportion	NOUN
fsr-3294	109	28	of	of	ADP
fsr-3294	109	29	individuals	individual	NOUN
fsr-3294	109	30	with	with	ADP
fsr-3294	109	31	advanced	advanced	ADJ
fsr-3294	109	32	levels	level	NOUN
fsr-3294	109	33	of	of	ADP
fsr-3294	109	34	educational	educational	ADJ
fsr-3294	109	35	attainment	attainment	NOUN
fsr-3294	109	36	was	be	AUX
fsr-3294	109	37	found	find	VERB
fsr-3294	109	38	among	among	ADP
fsr-3294	109	39	high	high	ADJ
fsr-3294	109	40	-	-	PUNCT
fsr-3294	109	41	income	income	NOUN
fsr-3294	109	42	employees	employee	NOUN
fsr-3294	109	43	for	for	ADP
fsr-3294	109	44	both	both	DET
fsr-3294	109	45	2004	2004	NUM
fsr-3294	109	46	and	and	CCONJ
fsr-3294	109	47	2013	2013	NUM
fsr-3294	109	48	(	(	PUNCT
fsr-3294	109	49	see	see	VERB
fsr-3294	109	50	table	table	NOUN
fsr-3294	109	51	4	4	NUM
fsr-3294	109	52	)	)	PUNCT
fsr-3294	109	53	.	.	PUNCT
fsr-3294	110	1	4.2	4.2	NUM
fsr-3294	110	2	.	.	PUNCT
fsr-3294	111	1	financial	financial	ADJ
fsr-3294	111	2	behavior	behavior	NOUN
fsr-3294	111	3	variables	variable	NOUN
fsr-3294	111	4	previous	previous	ADJ
fsr-3294	111	5	research	research	NOUN
fsr-3294	111	6	has	have	AUX
fsr-3294	111	7	found	find	VERB
fsr-3294	111	8	that	that	SCONJ
fsr-3294	111	9	financial	financial	ADJ
fsr-3294	111	10	behaviors	behavior	NOUN
fsr-3294	111	11	provide	provide	VERB
fsr-3294	111	12	insight	insight	NOUN
fsr-3294	111	13	into	into	ADP
fsr-3294	111	14	an	an	DET
fsr-3294	111	15	individual	individual	NOUN
fsr-3294	111	16	’s	’s	PART
fsr-3294	111	17	financial	financial	ADJ
fsr-3294	111	18	knowledge	knowledge	NOUN
fsr-3294	111	19	and	and	CCONJ
fsr-3294	111	20	financial	financial	ADJ
fsr-3294	111	21	literacy	literacy	NOUN
fsr-3294	111	22	(	(	PUNCT
fsr-3294	111	23	hogarth	hogarth	NOUN
fsr-3294	111	24	et	et	PROPN
fsr-3294	111	25	al	al	PROPN
fsr-3294	111	26	.	.	PROPN
fsr-3294	111	27	,	,	PUNCT
fsr-3294	111	28	2003	2003	NUM
fsr-3294	111	29	)	)	PUNCT
fsr-3294	111	30	.	.	PUNCT
fsr-3294	112	1	based	base	VERB
fsr-3294	112	2	on	on	ADP
fsr-3294	112	3	hogarth	hogarth	NOUN
fsr-3294	112	4	et	et	PROPN
fsr-3294	112	5	al	al	PROPN
fsr-3294	112	6	.	.	PROPN
fsr-3294	113	1	(	(	PUNCT
fsr-3294	113	2	2003	2003	NUM
fsr-3294	113	3	)	)	PUNCT
fsr-3294	113	4	,	,	PUNCT
fsr-3294	113	5	this	this	DET
fsr-3294	113	6	study	study	NOUN
fsr-3294	113	7	used	use	VERB
fsr-3294	113	8	groupings	grouping	NOUN
fsr-3294	113	9	of	of	ADP
fsr-3294	113	10	similar	similar	ADJ
fsr-3294	113	11	variables	variable	NOUN
fsr-3294	113	12	to	to	PART
fsr-3294	113	13	develop	develop	VERB
fsr-3294	113	14	composite	composite	ADJ
fsr-3294	113	15	financial	financial	ADJ
fsr-3294	113	16	behavior	behavior	NOUN
fsr-3294	113	17	scores	score	NOUN
fsr-3294	113	18	:	:	PUNCT
fsr-3294	113	19	(	(	PUNCT
fsr-3294	113	20	a	a	X
fsr-3294	113	21	)	)	PUNCT
fsr-3294	113	22	savings	saving	NOUN
fsr-3294	113	23	and	and	CCONJ
fsr-3294	113	24	(	(	PUNCT
fsr-3294	113	25	b	b	NOUN
fsr-3294	113	26	)	)	PUNCT
fsr-3294	113	27	cash	cash	NOUN
fsr-3294	113	28	flow	flow	NOUN
fsr-3294	113	29	management	management	NOUN
fsr-3294	113	30	.	.	PUNCT
fsr-3294	114	1	the	the	DET
fsr-3294	114	2	savings	saving	NOUN
fsr-3294	114	3	category	category	NOUN
fsr-3294	114	4	included	include	VERB
fsr-3294	114	5	three	three	NUM
fsr-3294	114	6	financial	financial	ADJ
fsr-3294	114	7	behavior	behavior	NOUN
fsr-3294	114	8	questions	question	NOUN
fsr-3294	114	9	:	:	PUNCT
fsr-3294	114	10	(	(	PUNCT
fsr-3294	114	11	a	a	X
fsr-3294	114	12	)	)	PUNCT
fsr-3294	114	13	“	"	PUNCT
fsr-3294	114	14	do	do	AUX
fsr-3294	114	15	you	you	PRON
fsr-3294	114	16	save	save	VERB
fsr-3294	114	17	on	on	ADP
fsr-3294	114	18	a	a	DET
fsr-3294	114	19	regular	regular	ADJ
fsr-3294	114	20	basis	basis	NOUN
fsr-3294	114	21	?	?	PUNCT
fsr-3294	114	22	”	"	PUNCT
fsr-3294	115	1	(	(	PUNCT
fsr-3294	115	2	b	b	X
fsr-3294	115	3	)	)	PUNCT
fsr-3294	115	4	“	"	PUNCT
fsr-3294	115	5	do	do	AUX
fsr-3294	115	6	you	you	PRON
fsr-3294	115	7	have	have	VERB
fsr-3294	115	8	a	a	DET
fsr-3294	115	9	savings	savings	NOUN
fsr-3294	115	10	account	account	NOUN
fsr-3294	115	11	?	?	PUNCT
fsr-3294	115	12	”	"	PUNCT
fsr-3294	116	1	and	and	CCONJ
fsr-3294	116	2	(	(	PUNCT
fsr-3294	116	3	c	c	X
fsr-3294	116	4	)	)	PUNCT
fsr-3294	116	5	“	"	PUNCT
fsr-3294	116	6	do	do	AUX
fsr-3294	116	7	you	you	PRON
fsr-3294	116	8	have	have	VERB
fsr-3294	116	9	money	money	NOUN
fsr-3294	116	10	automatically	automatically	ADV
fsr-3294	116	11	deducted	deduct	VERB
fsr-3294	116	12	directly	directly	ADV
fsr-3294	116	13	into	into	ADP
fsr-3294	116	14	an	an	DET
fsr-3294	116	15	account	account	NOUN
fsr-3294	116	16	?	?	PUNCT
fsr-3294	116	17	”	"	PUNCT
fsr-3294	117	1	responses	response	NOUN
fsr-3294	117	2	indicating	indicate	VERB
fsr-3294	117	3	positive	positive	ADJ
fsr-3294	117	4	financial	financial	ADJ
fsr-3294	117	5	behavior	behavior	NOUN
fsr-3294	117	6	were	be	AUX
fsr-3294	117	7	coded	code	VERB
fsr-3294	117	8	as	as	ADP
fsr-3294	117	9	1	1	NUM
fsr-3294	117	10	,	,	PUNCT
fsr-3294	117	11	and	and	CCONJ
fsr-3294	117	12	negative	negative	ADJ
fsr-3294	117	13	responses	response	NOUN
fsr-3294	117	14	were	be	AUX
fsr-3294	117	15	coded	code	VERB
fsr-3294	117	16	as	as	ADP
fsr-3294	117	17	0	0	NUM
fsr-3294	117	18	.	.	PUNCT
fsr-3294	118	1	an	an	DET
fsr-3294	118	2	overall	overall	ADJ
fsr-3294	118	3	savings	saving	NOUN
fsr-3294	118	4	index	index	NOUN
fsr-3294	118	5	was	be	AUX
fsr-3294	118	6	created	create	VERB
fsr-3294	118	7	from	from	ADP
fsr-3294	118	8	a	a	DET
fsr-3294	118	9	summation	summation	NOUN
fsr-3294	118	10	of	of	ADP
fsr-3294	118	11	these	these	DET
fsr-3294	118	12	three	three	NUM
fsr-3294	118	13	questions	question	NOUN
fsr-3294	118	14	.	.	PUNCT
fsr-3294	119	1	table	table	NOUN
fsr-3294	119	2	3	3	NUM
fsr-3294	119	3	contains	contain	VERB
fsr-3294	119	4	a	a	DET
fsr-3294	119	5	detailed	detailed	ADJ
fsr-3294	119	6	list	list	NOUN
fsr-3294	119	7	and	and	CCONJ
fsr-3294	119	8	measurements	measurement	NOUN
fsr-3294	119	9	of	of	ADP
fsr-3294	119	10	these	these	DET
fsr-3294	119	11	variables	variable	NOUN
fsr-3294	119	12	,	,	PUNCT
fsr-3294	119	13	as	as	ADV
fsr-3294	119	14	well	well	ADV
fsr-3294	119	15	as	as	ADP
fsr-3294	119	16	all	all	DET
fsr-3294	119	17	possible	possible	ADJ
fsr-3294	119	18	responses	response	NOUN
fsr-3294	119	19	.	.	PUNCT
fsr-3294	120	1	in	in	ADP
fsr-3294	120	2	the	the	DET
fsr-3294	120	3	cash	cash	NOUN
fsr-3294	120	4	flow	flow	NOUN
fsr-3294	120	5	management	management	NOUN
fsr-3294	120	6	category	category	NOUN
fsr-3294	120	7	,	,	PUNCT
fsr-3294	120	8	three	three	NUM
fsr-3294	120	9	financial	financial	ADJ
fsr-3294	120	10	behavior	behavior	NOUN
fsr-3294	120	11	questions	question	NOUN
fsr-3294	120	12	were	be	AUX
fsr-3294	120	13	utilized	utilize	VERB
fsr-3294	120	14	in	in	ADP
fsr-3294	120	15	a	a	DET
fsr-3294	120	16	similar	similar	ADJ
fsr-3294	120	17	fashion	fashion	NOUN
fsr-3294	120	18	:	:	PUNCT
fsr-3294	120	19	(	(	PUNCT
fsr-3294	120	20	a	a	X
fsr-3294	120	21	)	)	PUNCT
fsr-3294	120	22	“	"	PUNCT
fsr-3294	120	23	do	do	AUX
fsr-3294	120	24	you	you	PRON
fsr-3294	120	25	have	have	VERB
fsr-3294	120	26	a	a	DET
fsr-3294	120	27	checking	checking	ADJ
fsr-3294	120	28	account	account	NOUN
fsr-3294	120	29	?	?	PUNCT
fsr-3294	120	30	”	"	PUNCT
fsr-3294	121	1	(	(	PUNCT
fsr-3294	121	2	b	b	X
fsr-3294	121	3	)	)	PUNCT
fsr-3294	121	4	“	"	PUNCT
fsr-3294	121	5	is	be	AUX
fsr-3294	121	6	your	your	PRON
fsr-3294	121	7	spending	spending	NOUN
fsr-3294	121	8	less	less	ADJ
fsr-3294	121	9	than	than	ADP
fsr-3294	121	10	or	or	CCONJ
fsr-3294	121	11	equal	equal	ADJ
fsr-3294	121	12	to	to	ADP
fsr-3294	121	13	your	your	PRON
fsr-3294	121	14	income	income	NOUN
fsr-3294	121	15	?	?	PUNCT
fsr-3294	121	16	”	"	PUNCT
fsr-3294	122	1	and	and	CCONJ
fsr-3294	122	2	(	(	PUNCT
fsr-3294	122	3	c	c	X
fsr-3294	122	4	)	)	PUNCT
fsr-3294	122	5	“	"	PUNCT
fsr-3294	122	6	do	do	AUX
fsr-3294	122	7	you	you	PRON
fsr-3294	122	8	pay	pay	VERB
fsr-3294	122	9	your	your	PRON
fsr-3294	122	10	loans	loan	NOUN
fsr-3294	122	11	on	on	ADP
fsr-3294	122	12	time	time	NOUN
fsr-3294	122	13	?	?	PUNCT
fsr-3294	122	14	”	"	PUNCT
fsr-3294	122	15	additionally	additionally	ADV
fsr-3294	122	16	,	,	PUNCT
fsr-3294	122	17	an	an	DET
fsr-3294	122	18	overall	overall	ADJ
fsr-3294	122	19	cash	cash	NOUN
fsr-3294	122	20	flow	flow	NOUN
fsr-3294	122	21	management	management	NOUN
fsr-3294	122	22	index	index	NOUN
fsr-3294	122	23	was	be	AUX
fsr-3294	122	24	created	create	VERB
fsr-3294	122	25	from	from	ADP
fsr-3294	122	26	these	these	DET
fsr-3294	122	27	three	three	NUM
fsr-3294	122	28	questions	question	NOUN
fsr-3294	122	29	.	.	PUNCT
fsr-3294	123	1	three	three	NUM
fsr-3294	123	2	control	control	NOUN
fsr-3294	123	3	variables	variable	NOUN
fsr-3294	123	4	,	,	PUNCT
fsr-3294	123	5	race	race	NOUN
fsr-3294	123	6	,	,	PUNCT
fsr-3294	123	7	education	education	NOUN
fsr-3294	123	8	and	and	CCONJ
fsr-3294	123	9	age	age	NOUN
fsr-3294	123	10	were	be	AUX
fsr-3294	123	11	included	include	VERB
fsr-3294	123	12	in	in	ADP
fsr-3294	123	13	this	this	DET
fsr-3294	123	14	study	study	NOUN
fsr-3294	123	15	.	.	PUNCT
fsr-3294	124	1	race	race	NOUN
fsr-3294	124	2	,	,	PUNCT
fsr-3294	124	3	a	a	DET
fsr-3294	124	4	categorical	categorical	ADJ
fsr-3294	124	5	variable	variable	NOUN
fsr-3294	124	6	,	,	PUNCT
fsr-3294	124	7	was	be	AUX
fsr-3294	124	8	included	include	VERB
fsr-3294	124	9	with	with	ADP
fsr-3294	124	10	possible	possible	ADJ
fsr-3294	124	11	responses	response	NOUN
fsr-3294	124	12	of	of	ADP
fsr-3294	124	13	white	white	ADJ
fsr-3294	124	14	(	(	PUNCT
fsr-3294	124	15	reference	reference	NOUN
fsr-3294	124	16	)	)	PUNCT
fsr-3294	124	17	,	,	PUNCT
fsr-3294	124	18	black	black	ADJ
fsr-3294	124	19	,	,	PUNCT
fsr-3294	124	20	hispanic	hispanic	ADJ
fsr-3294	124	21	,	,	PUNCT
fsr-3294	124	22	and	and	CCONJ
fsr-3294	124	23	other	other	ADJ
fsr-3294	124	24	race	race	NOUN
fsr-3294	124	25	.	.	PUNCT
fsr-3294	125	1	education	education	NOUN
fsr-3294	125	2	,	,	PUNCT
fsr-3294	125	3	an	an	DET
fsr-3294	125	4	ordinal	ordinal	ADJ
fsr-3294	125	5	variable	variable	NOUN
fsr-3294	125	6	,	,	PUNCT
fsr-3294	125	7	and	and	CCONJ
fsr-3294	125	8	age	age	NOUN
fsr-3294	125	9	,	,	PUNCT
fsr-3294	125	10	a	a	DET
fsr-3294	125	11	continuous	continuous	ADJ
fsr-3294	125	12	variable	variable	NOUN
fsr-3294	125	13	,	,	PUNCT
fsr-3294	125	14	were	be	AUX
fsr-3294	125	15	also	also	ADV
fsr-3294	125	16	included	include	VERB
fsr-3294	125	17	in	in	ADP
fsr-3294	125	18	the	the	DET
fsr-3294	125	19	regression	regression	NOUN
fsr-3294	125	20	analysis	analysis	NOUN
fsr-3294	125	21	.	.	PUNCT
fsr-3294	126	1	again	again	ADV
fsr-3294	126	2	,	,	PUNCT
fsr-3294	126	3	table	table	NOUN
fsr-3294	126	4	3	3	NUM
fsr-3294	126	5	contains	contain	VERB
fsr-3294	126	6	a	a	DET
fsr-3294	126	7	detailed	detailed	ADJ
fsr-3294	126	8	list	list	NOUN
fsr-3294	126	9	and	and	CCONJ
fsr-3294	126	10	measurements	measurement	NOUN
fsr-3294	126	11	of	of	ADP
fsr-3294	126	12	these	these	DET
fsr-3294	126	13	variables	variable	NOUN
fsr-3294	126	14	,	,	PUNCT
fsr-3294	126	15	as	as	ADV
fsr-3294	126	16	well	well	ADV
fsr-3294	126	17	as	as	ADP
fsr-3294	126	18	all	all	DET
fsr-3294	126	19	possible	possible	ADJ
fsr-3294	126	20	responses	response	NOUN
fsr-3294	126	21	.	.	PUNCT
fsr-3294	127	1	table	table	NOUN
fsr-3294	127	2	3	3	NUM
fsr-3294	127	3	savings	saving	NOUN
fsr-3294	127	4	and	and	CCONJ
fsr-3294	127	5	cash	cash	NOUN
fsr-3294	127	6	flow	flow	NOUN
fsr-3294	127	7	management	management	NOUN
fsr-3294	127	8	variables	variable	NOUN
fsr-3294	127	9	variables	variable	VERB
fsr-3294	127	10	measurements	measurement	VERB
fsr-3294	127	11	cash	cash	NOUN
fsr-3294	127	12	flow	flow	NOUN
fsr-3294	127	13	management	management	NOUN
fsr-3294	127	14	behaviors	behavior	NOUN
fsr-3294	127	15	checking	check	VERB
fsr-3294	127	16	�	�	PROPN
fsr-3294	127	17	1	1	NUM
fsr-3294	127	18	if	if	SCONJ
fsr-3294	127	19	reported	report	VERB
fsr-3294	127	20	having	have	VERB
fsr-3294	127	21	a	a	DET
fsr-3294	127	22	checking	checking	NOUN
fsr-3294	127	23	account	account	NOUN
fsr-3294	127	24	;	;	PUNCT
fsr-3294	127	25	0	0	NUM
fsr-3294	127	26	otherwise	otherwise	ADV
fsr-3294	127	27	loans	loan	NOUN
fsr-3294	127	28	on	on	ADP
fsr-3294	127	29	time	time	NOUN
fsr-3294	127	30	�	�	PROPN
fsr-3294	127	31	1	1	NUM
fsr-3294	127	32	if	if	SCONJ
fsr-3294	127	33	reported	report	VERB
fsr-3294	127	34	paying	pay	VERB
fsr-3294	127	35	loans	loan	NOUN
fsr-3294	127	36	ahead	ahead	ADV
fsr-3294	127	37	of	of	ADP
fsr-3294	127	38	time	time	NOUN
fsr-3294	127	39	or	or	CCONJ
fsr-3294	127	40	on	on	ADP
fsr-3294	127	41	time	time	NOUN
fsr-3294	127	42	;	;	PUNCT
fsr-3294	127	43	0	0	NUM
fsr-3294	127	44	otherwise	otherwise	ADV
fsr-3294	127	45	spending	spend	VERB
fsr-3294	127	46	�	�	PROPN
fsr-3294	127	47	1	1	NUM
fsr-3294	127	48	if	if	SCONJ
fsr-3294	127	49	reported	report	VERB
fsr-3294	127	50	spending	spending	NOUN
fsr-3294	127	51	was	be	AUX
fsr-3294	127	52	less	less	ADJ
fsr-3294	127	53	than	than	ADP
fsr-3294	127	54	or	or	CCONJ
fsr-3294	127	55	equal	equal	ADJ
fsr-3294	127	56	to	to	ADP
fsr-3294	127	57	income	income	NOUN
fsr-3294	127	58	;	;	PUNCT
fsr-3294	127	59	0	0	NUM
fsr-3294	127	60	otherwise	otherwise	ADV
fsr-3294	127	61	savings	saving	NOUN
fsr-3294	127	62	behaviors	behavior	NOUN
fsr-3294	127	63	savings	saving	NOUN
fsr-3294	127	64	�	�	PROPN
fsr-3294	127	65	1	1	NUM
fsr-3294	127	66	if	if	SCONJ
fsr-3294	127	67	reported	report	VERB
fsr-3294	127	68	having	have	VERB
fsr-3294	127	69	a	a	DET
fsr-3294	127	70	savings	savings	NOUN
fsr-3294	127	71	account	account	NOUN
fsr-3294	127	72	;	;	PUNCT
fsr-3294	127	73	0	0	NUM
fsr-3294	127	74	otherwise	otherwise	ADV
fsr-3294	127	75	save	save	VERB
fsr-3294	127	76	�	�	PROPN
fsr-3294	127	77	1	1	NUM
fsr-3294	127	78	if	if	SCONJ
fsr-3294	127	79	reported	report	VERB
fsr-3294	127	80	saving	save	VERB
fsr-3294	127	81	on	on	ADP
fsr-3294	127	82	a	a	DET
fsr-3294	127	83	monthly	monthly	ADJ
fsr-3294	127	84	basis	basis	NOUN
fsr-3294	127	85	;	;	PUNCT
fsr-3294	127	86	0	0	NUM
fsr-3294	127	87	otherwise	otherwise	ADV
fsr-3294	127	88	autosave	autosave	VERB
fsr-3294	127	89	�	�	PROPN
fsr-3294	127	90	1	1	NUM
fsr-3294	127	91	if	if	SCONJ
fsr-3294	127	92	reported	report	VERB
fsr-3294	127	93	money	money	NOUN
fsr-3294	127	94	automatically	automatically	ADV
fsr-3294	127	95	deposited	deposit	VERB
fsr-3294	127	96	in	in	ADP
fsr-3294	127	97	an	an	DET
fsr-3294	127	98	account	account	NOUN
fsr-3294	127	99	;	;	PUNCT
fsr-3294	127	100	0	0	NUM
fsr-3294	127	101	otherwise	otherwise	ADV
fsr-3294	127	102	25c	25c	NOUN
fsr-3294	127	103	.	.	PUNCT
fsr-3294	128	1	hudson	hudson	PROPN
fsr-3294	128	2	et	et	PROPN
fsr-3294	128	3	al	al	PROPN
fsr-3294	128	4	.	.	PUNCT
fsr-3294	128	5	/	/	SYM
fsr-3294	128	6	financial	financial	ADJ
fsr-3294	128	7	services	service	NOUN
fsr-3294	128	8	review	review	VERB
fsr-3294	128	9	26	26	NUM
fsr-3294	128	10	(	(	PUNCT
fsr-3294	128	11	2017	2017	NUM
fsr-3294	128	12	)	)	PUNCT
fsr-3294	129	1	19–36	19–36	PROPN
fsr-3294	129	2	t	t	PROPN
fsr-3294	129	3	ab	ab	PROPN
fsr-3294	129	4	le	le	PROPN
fsr-3294	129	5	4	4	NUM
fsr-3294	130	1	so	so	ADV
fsr-3294	130	2	ci	ci	PROPN
fsr-3294	130	3	oe	oe	PROPN
fsr-3294	130	4	co	co	PROPN
fsr-3294	131	1	no	no	PROPN
fsr-3294	131	2	m	m	PROPN
fsr-3294	131	3	ic	ic	PROPN
fsr-3294	131	4	ch	ch	PROPN
fsr-3294	131	5	ar	ar	PROPN
fsr-3294	131	6	ac	ac	PROPN
fsr-3294	131	7	te	te	PROPN
fsr-3294	131	8	ri	ri	PROPN
fsr-3294	131	9	st	st	PROPN
fsr-3294	131	10	ic	ic	PROPN
fsr-3294	131	11	s	s	PROPN
fsr-3294	131	12	,	,	PUNCT
fsr-3294	131	13	em	em	PRON
fsr-3294	131	14	pl	pl	VERB
fsr-3294	131	15	oy	oy	X
fsr-3294	131	16	ee	ee	PROPN
fsr-3294	131	17	s	s	PROPN
fsr-3294	131	18	st	st	PROPN
fsr-3294	131	19	at	at	ADP
fsr-3294	131	20	is	be	AUX
fsr-3294	131	21	tic	tic	ADJ
fsr-3294	131	22	s	s	X
fsr-3294	131	23	(	(	PUNCT
fsr-3294	131	24	%	%	NOUN
fsr-3294	131	25	of	of	ADP
fsr-3294	131	26	to	to	ADP
fsr-3294	131	27	ta	ta	PROPN
fsr-3294	131	28	l	l	PROPN
fsr-3294	131	29	)	)	PUNCT
fsr-3294	131	30	,	,	PUNCT
fsr-3294	132	1	w	w	PROPN
fsr-3294	132	2	ei	ei	NOUN
fsr-3294	132	3	gh	gh	PROPN
fsr-3294	132	4	te	te	PROPN
fsr-3294	132	5	d	d	PROPN
fsr-3294	132	6	l	l	NOUN
fsr-3294	133	1	ow	ow	INTJ
fsr-3294	133	2	-i	-i	PROPN
fsr-3294	133	3	nc	nc	PROPN
fsr-3294	133	4	om	om	PROPN
fsr-3294	133	5	e	e	PROPN
fsr-3294	133	6	em	em	PRON
fsr-3294	133	7	pl	pl	X
fsr-3294	133	8	oy	oy	X
fsr-3294	133	9	ee	ee	PROPN
fsr-3294	133	10	s	s	PROPN
fsr-3294	133	11	m	m	VERB
fsr-3294	133	12	i	i	PROPN
fsr-3294	133	13	d	d	PROPN
fsr-3294	133	14	dl	dl	PROPN
fsr-3294	133	15	ein	ein	PROPN
fsr-3294	133	16	co	co	VERB
fsr-3294	133	17	m	m	PROPN
fsr-3294	133	18	e	e	VERB
fsr-3294	133	19	em	em	PRON
fsr-3294	133	20	pl	pl	AUX
fsr-3294	133	21	oy	oy	X
fsr-3294	133	22	ee	ee	PROPN
fsr-3294	133	23	s	s	PROPN
fsr-3294	133	24	h	h	NOUN
fsr-3294	133	25	ig	ig	PROPN
fsr-3294	133	26	hin	hin	PROPN
fsr-3294	133	27	co	co	NOUN
fsr-3294	133	28	m	m	PROPN
fsr-3294	133	29	e	e	NOUN
fsr-3294	133	30	em	em	PRON
fsr-3294	133	31	pl	pl	X
fsr-3294	133	32	oy	oy	X
fsr-3294	133	33	ee	ee	PROPN
fsr-3294	133	34	s	s	PROPN
fsr-3294	133	35	a	a	DET
fsr-3294	133	36	ll	ll	NOUN
fsr-3294	133	37	em	em	PRON
fsr-3294	133	38	pl	pl	VERB
fsr-3294	133	39	oy	oy	X
fsr-3294	133	40	ee	ee	PROPN
fsr-3294	133	41	s	s	PROPN
fsr-3294	133	42	20	20	NUM
fsr-3294	133	43	04	04	NUM
fsr-3294	133	44	(	(	PUNCT
fsr-3294	133	45	n	n	X
fsr-3294	133	46	�	�	PROPN
fsr-3294	133	47	62	62	NUM
fsr-3294	133	48	9	9	NUM
fsr-3294	133	49	)	)	PUNCT
fsr-3294	133	50	20	20	NUM
fsr-3294	133	51	13	13	NUM
fsr-3294	133	52	(	(	PUNCT
fsr-3294	133	53	n	n	X
fsr-3294	133	54	�	�	PROPN
fsr-3294	133	55	98	98	NUM
fsr-3294	133	56	7	7	NUM
fsr-3294	133	57	)	)	PUNCT
fsr-3294	133	58	20	20	NUM
fsr-3294	133	59	04	04	NUM
fsr-3294	133	60	(	(	PUNCT
fsr-3294	133	61	n	n	X
fsr-3294	133	62	�	�	PROPN
fsr-3294	133	63	78	78	NUM
fsr-3294	133	64	9	9	NUM
fsr-3294	133	65	)	)	PUNCT
fsr-3294	133	66	20	20	NUM
fsr-3294	133	67	13	13	NUM
fsr-3294	133	68	(	(	PUNCT
fsr-3294	133	69	n	n	X
fsr-3294	133	70	�	�	PROPN
fsr-3294	133	71	1	1	NUM
fsr-3294	133	72	,	,	PUNCT
fsr-3294	133	73	00	00	NUM
fsr-3294	133	74	2	2	NUM
fsr-3294	133	75	)	)	PUNCT
fsr-3294	133	76	20	20	NUM
fsr-3294	133	77	04	04	NUM
fsr-3294	133	78	(	(	PUNCT
fsr-3294	133	79	n	n	X
fsr-3294	133	80	�	�	PROPN
fsr-3294	133	81	1	1	NUM
fsr-3294	133	82	,	,	PUNCT
fsr-3294	133	83	84	84	NUM
fsr-3294	133	84	1	1	NUM
fsr-3294	133	85	)	)	PUNCT
fsr-3294	133	86	20	20	NUM
fsr-3294	133	87	13	13	NUM
fsr-3294	133	88	(	(	PUNCT
fsr-3294	133	89	n	n	X
fsr-3294	133	90	�	�	PROPN
fsr-3294	133	91	1	1	NUM
fsr-3294	133	92	,	,	PUNCT
fsr-3294	133	93	99	99	NUM
fsr-3294	133	94	8)	8)	NUM
fsr-3294	133	95	20	20	NUM
fsr-3294	133	96	04	04	NUM
fsr-3294	133	97	(	(	PUNCT
fsr-3294	133	98	n	n	X
fsr-3294	133	99	�	�	PROPN
fsr-3294	133	100	3	3	NUM
fsr-3294	133	101	,	,	PUNCT
fsr-3294	133	102	25	25	NUM
fsr-3294	133	103	9	9	NUM
fsr-3294	133	104	)	)	PUNCT
fsr-3294	133	105	20	20	NUM
fsr-3294	133	106	13	13	NUM
fsr-3294	133	107	(	(	PUNCT
fsr-3294	133	108	n	n	X
fsr-3294	133	109	�	�	PROPN
fsr-3294	133	110	3	3	NUM
fsr-3294	133	111	,	,	PUNCT
fsr-3294	133	112	98	98	NUM
fsr-3294	133	113	7	7	NUM
fsr-3294	133	114	)	)	PUNCT
fsr-3294	133	115	se	se	X
fsr-3294	133	116	x	x	X
fsr-3294	133	117	m	m	VERB
fsr-3294	133	118	al	al	NOUN
fsr-3294	133	119	e	e	PROPN
fsr-3294	133	120	60	60	NUM
fsr-3294	133	121	.0	.0	NUM
fsr-3294	133	122	8	8	NUM
fsr-3294	133	123	%	%	NOUN
fsr-3294	133	124	62	62	NUM
fsr-3294	133	125	.1	.1	NUM
fsr-3294	133	126	8	8	NUM
fsr-3294	133	127	%	%	NOUN
fsr-3294	133	128	75	75	NUM
fsr-3294	133	129	.0	.0	NUM
fsr-3294	133	130	2	2	NUM
fsr-3294	133	131	%	%	NOUN
fsr-3294	133	132	77	77	NUM
fsr-3294	133	133	.6	.6	NUM
fsr-3294	133	134	4	4	NUM
fsr-3294	133	135	%	%	NOUN
fsr-3294	133	136	88	88	NUM
fsr-3294	133	137	.5	.5	NUM
fsr-3294	133	138	6	6	NUM
fsr-3294	133	139	%	%	NOUN
fsr-3294	133	140	87	87	NUM
fsr-3294	133	141	.5	.5	NUM
fsr-3294	133	142	0	0	NUM
fsr-3294	133	143	%	%	NOUN
fsr-3294	133	144	79	79	NUM
fsr-3294	133	145	.7	.7	NUM
fsr-3294	133	146	9	9	NUM
fsr-3294	133	147	%	%	NOUN
fsr-3294	133	148	78	78	NUM
fsr-3294	133	149	.7	.7	NUM
fsr-3294	133	150	5	5	NUM
fsr-3294	133	151	%	%	NOUN
fsr-3294	133	152	fe	fe	X
fsr-3294	133	153	m	m	NOUN
fsr-3294	133	154	al	al	PROPN
fsr-3294	133	155	e	e	PROPN
fsr-3294	133	156	39	39	NUM
fsr-3294	133	157	.9	.9	NUM
fsr-3294	133	158	2	2	NUM
fsr-3294	133	159	%	%	NOUN
fsr-3294	133	160	37	37	NUM
fsr-3294	133	161	.8	.8	NUM
fsr-3294	133	162	2	2	NUM
fsr-3294	133	163	%	%	NOUN
fsr-3294	133	164	24	24	NUM
fsr-3294	133	165	.9	.9	NUM
fsr-3294	133	166	8	8	NUM
fsr-3294	133	167	%	%	NOUN
fsr-3294	133	168	22	22	NUM
fsr-3294	133	169	.3	.3	NUM
fsr-3294	133	170	6	6	NUM
fsr-3294	133	171	%	%	NOUN
fsr-3294	133	172	11	11	NUM
fsr-3294	133	173	.4	.4	NUM
fsr-3294	133	174	4	4	NUM
fsr-3294	133	175	%	%	NOUN
fsr-3294	133	176	12	12	NUM
fsr-3294	133	177	.5	.5	NUM
fsr-3294	133	178	0	0	NUM
fsr-3294	133	179	%	%	NOUN
fsr-3294	133	180	20	20	NUM
fsr-3294	133	181	.2	.2	NUM
fsr-3294	133	182	1	1	NUM
fsr-3294	133	183	%	%	NOUN
fsr-3294	133	184	21	21	NUM
fsr-3294	133	185	.2	.2	NUM
fsr-3294	133	186	5	5	NUM
fsr-3294	133	187	%	%	NOUN
fsr-3294	133	188	r	r	NOUN
fsr-3294	133	189	ac	ac	NOUN
fsr-3294	134	1	e/	e/	ADV
fsr-3294	134	2	et	et	VERB
fsr-3294	134	3	hn	hn	INTJ
fsr-3294	134	4	ic	ic	PROPN
fsr-3294	134	5	ity	ity	PROPN
fsr-3294	135	1	w	w	PROPN
fsr-3294	135	2	hi	hi	INTJ
fsr-3294	135	3	te	te	ADP
fsr-3294	135	4	57	57	NUM
fsr-3294	135	5	.0	.0	NUM
fsr-3294	135	6	9	9	NUM
fsr-3294	135	7	%	%	NOUN
fsr-3294	135	8	55	55	NUM
fsr-3294	135	9	.5	.5	NUM
fsr-3294	135	10	8	8	NUM
fsr-3294	135	11	%	%	NOUN
fsr-3294	135	12	72	72	NUM
fsr-3294	135	13	.9	.9	NUM
fsr-3294	135	14	6	6	NUM
fsr-3294	135	15	%	%	NOUN
fsr-3294	135	16	68	68	NUM
fsr-3294	135	17	.3	.3	NUM
fsr-3294	135	18	8	8	NUM
fsr-3294	135	19	%	%	NOUN
fsr-3294	135	20	82	82	NUM
fsr-3294	135	21	.3	.3	NUM
fsr-3294	135	22	8	8	NUM
fsr-3294	135	23	%	%	NOUN
fsr-3294	135	24	80	80	NUM
fsr-3294	136	1	.6	.6	NUM
fsr-3294	136	2	9	9	NUM
fsr-3294	136	3	%	%	NOUN
fsr-3294	136	4	75	75	NUM
fsr-3294	136	5	.2	.2	NUM
fsr-3294	136	6	2	2	NUM
fsr-3294	136	7	%	%	NOUN
fsr-3294	136	8	71	71	NUM
fsr-3294	136	9	.3	.3	NUM
fsr-3294	136	10	8	8	NUM
fsr-3294	136	11	%	%	NOUN
fsr-3294	136	12	b	b	SYM
fsr-3294	136	13	la	la	NOUN
fsr-3294	136	14	ck	ck	PROPN
fsr-3294	136	15	17	17	NUM
fsr-3294	136	16	.1	.1	NUM
fsr-3294	136	17	5	5	NUM
fsr-3294	136	18	%	%	NOUN
fsr-3294	136	19	20	20	NUM
fsr-3294	136	20	.0	.0	NUM
fsr-3294	136	21	9	9	NUM
fsr-3294	136	22	%	%	NOUN
fsr-3294	136	23	14	14	NUM
fsr-3294	136	24	.2	.2	NUM
fsr-3294	136	25	3	3	NUM
fsr-3294	136	26	%	%	NOUN
fsr-3294	136	27	14	14	NUM
fsr-3294	136	28	.2	.2	NUM
fsr-3294	136	29	8	8	NUM
fsr-3294	136	30	%	%	NOUN
fsr-3294	136	31	8	8	NUM
fsr-3294	136	32	.	.	NOUN
fsr-3294	136	33	22	22	NUM
fsr-3294	136	34	%	%	NOUN
fsr-3294	136	35	6	6	NUM
fsr-3294	136	36	.	.	NOUN
fsr-3294	136	37	92	92	NUM
fsr-3294	136	38	%	%	NOUN
fsr-3294	136	39	11	11	NUM
fsr-3294	136	40	.4	.4	NUM
fsr-3294	136	41	0	0	NUM
fsr-3294	136	42	%	%	NOUN
fsr-3294	136	43	12	12	NUM
fsr-3294	136	44	.0	.0	NUM
fsr-3294	136	45	3	3	NUM
fsr-3294	136	46	%	%	NOUN
fsr-3294	136	47	h	h	NOUN
fsr-3294	136	48	is	be	AUX
fsr-3294	136	49	pa	pa	PROPN
fsr-3294	136	50	ni	ni	PROPN
fsr-3294	136	51	c	c	PROPN
fsr-3294	136	52	22	22	NUM
fsr-3294	136	53	.3	.3	NUM
fsr-3294	136	54	3	3	NUM
fsr-3294	136	55	%	%	NOUN
fsr-3294	136	56	21	21	NUM
fsr-3294	136	57	.4	.4	NUM
fsr-3294	136	58	3	3	NUM
fsr-3294	136	59	%	%	NOUN
fsr-3294	136	60	8	8	NUM
fsr-3294	136	61	.	.	PUNCT
fsr-3294	137	1	81	81	NUM
fsr-3294	137	2	%	%	NOUN
fsr-3294	137	3	13	13	NUM
fsr-3294	137	4	.5	.5	NUM
fsr-3294	137	5	3	3	NUM
fsr-3294	137	6	%	%	NOUN
fsr-3294	137	7	4	4	NUM
fsr-3294	137	8	.	.	NOUN
fsr-3294	137	9	62	62	NUM
fsr-3294	137	10	%	%	NOUN
fsr-3294	137	11	5	5	NUM
fsr-3294	137	12	.	.	NOUN
fsr-3294	137	13	07	07	NUM
fsr-3294	137	14	%	%	NOUN
fsr-3294	137	15	9	9	NUM
fsr-3294	137	16	.	.	PUNCT
fsr-3294	137	17	05	05	NUM
fsr-3294	138	1	%	%	NOUN
fsr-3294	138	2	11	11	NUM
fsr-3294	139	1	.2	.2	NUM
fsr-3294	139	2	5	5	NUM
fsr-3294	139	3	%	%	NOUN
fsr-3294	139	4	o	o	NOUN
fsr-3294	139	5	th	th	X
fsr-3294	139	6	er	er	INTJ
fsr-3294	139	7	3	3	NUM
fsr-3294	139	8	.	.	NOUN
fsr-3294	139	9	43	43	NUM
fsr-3294	139	10	%	%	NOUN
fsr-3294	139	11	2	2	NUM
fsr-3294	139	12	.	.	SYM
fsr-3294	139	13	89	89	NUM
fsr-3294	139	14	%	%	NOUN
fsr-3294	139	15	4	4	NUM
fsr-3294	139	16	.	.	NOUN
fsr-3294	139	17	00	00	NUM
fsr-3294	140	1	%	%	NOUN
fsr-3294	141	1	3	3	NUM
fsr-3294	141	2	.	.	NOUN
fsr-3294	141	3	81	81	NUM
fsr-3294	141	4	%	%	NOUN
fsr-3294	141	5	4	4	NUM
fsr-3294	141	6	.	.	NOUN
fsr-3294	141	7	78	78	NUM
fsr-3294	141	8	%	%	NOUN
fsr-3294	141	9	7	7	NUM
fsr-3294	141	10	.	.	NOUN
fsr-3294	141	11	32	32	NUM
fsr-3294	141	12	%	%	NOUN
fsr-3294	141	13	4	4	NUM
fsr-3294	141	14	.	.	NOUN
fsr-3294	141	15	33	33	NUM
fsr-3294	141	16	%	%	NOUN
fsr-3294	141	17	5	5	NUM
fsr-3294	141	18	.	.	SYM
fsr-3294	141	19	34	34	NUM
fsr-3294	141	20	%	%	NOUN
fsr-3294	141	21	m	m	PROPN
fsr-3294	141	22	ar	ar	PROPN
fsr-3294	141	23	ita	ita	PROPN
fsr-3294	141	24	l	l	PROPN
fsr-3294	141	25	st	st	PROPN
fsr-3294	142	1	at	at	ADP
fsr-3294	142	2	us	we	PRON
fsr-3294	142	3	m	m	PROPN
fsr-3294	142	4	ar	ar	PROPN
fsr-3294	142	5	ri	ri	PROPN
fsr-3294	142	6	ed	ed	NOUN
fsr-3294	142	7	32	32	NUM
fsr-3294	142	8	.4	.4	NUM
fsr-3294	142	9	9	9	NUM
fsr-3294	142	10	%	%	NOUN
fsr-3294	142	11	35	35	NUM
fsr-3294	142	12	.9	.9	NUM
fsr-3294	142	13	0	0	NUM
fsr-3294	142	14	%	%	NOUN
fsr-3294	142	15	52	52	NUM
fsr-3294	143	1	.9	.9	NUM
fsr-3294	143	2	5	5	NUM
fsr-3294	143	3	%	%	NOUN
fsr-3294	143	4	53	53	NUM
fsr-3294	143	5	.0	.0	NUM
fsr-3294	143	6	6	6	NUM
fsr-3294	143	7	%	%	NOUN
fsr-3294	143	8	69	69	NUM
fsr-3294	144	1	.6	.6	NUM
fsr-3294	144	2	9	9	NUM
fsr-3294	144	3	%	%	NOUN
fsr-3294	144	4	66	66	NUM
fsr-3294	144	5	.4	.4	NUM
fsr-3294	144	6	4	4	NUM
fsr-3294	144	7	%	%	NOUN
fsr-3294	144	8	58	58	NUM
fsr-3294	144	9	.4	.4	NUM
fsr-3294	144	10	6	6	NUM
fsr-3294	144	11	%	%	NOUN
fsr-3294	144	12	55	55	NUM
fsr-3294	144	13	.5	.5	NUM
fsr-3294	144	14	2	2	NUM
fsr-3294	144	15	%	%	NOUN
fsr-3294	144	16	si	si	PROPN
fsr-3294	144	17	ng	ng	PROPN
fsr-3294	144	18	le	le	PROPN
fsr-3294	144	19	67	67	NUM
fsr-3294	144	20	.5	.5	NUM
fsr-3294	144	21	1	1	NUM
fsr-3294	144	22	%	%	NOUN
fsr-3294	144	23	64	64	NUM
fsr-3294	144	24	.1	.1	NUM
fsr-3294	144	25	0	0	NUM
fsr-3294	144	26	%	%	NOUN
fsr-3294	145	1	47	47	NUM
fsr-3294	145	2	.0	.0	NUM
fsr-3294	145	3	5	5	NUM
fsr-3294	145	4	%	%	NOUN
fsr-3294	145	5	46	46	NUM
fsr-3294	145	6	.9	.9	NUM
fsr-3294	145	7	4	4	NUM
fsr-3294	145	8	%	%	NOUN
fsr-3294	145	9	30	30	NUM
fsr-3294	145	10	.3	.3	NUM
fsr-3294	145	11	1	1	NUM
fsr-3294	145	12	%	%	NOUN
fsr-3294	145	13	33	33	NUM
fsr-3294	145	14	.5	.5	NUM
fsr-3294	145	15	6	6	NUM
fsr-3294	145	16	%	%	NOUN
fsr-3294	145	17	41	41	NUM
fsr-3294	145	18	.5	.5	NUM
fsr-3294	145	19	4	4	NUM
fsr-3294	145	20	%	%	NOUN
fsr-3294	145	21	44	44	NUM
fsr-3294	145	22	.4	.4	NUM
fsr-3294	145	23	8	8	NUM
fsr-3294	145	24	%	%	NOUN
fsr-3294	145	25	e	e	X
fsr-3294	145	26	du	du	PROPN
fsr-3294	145	27	ca	can	AUX
fsr-3294	145	28	tio	tio	VERB
fsr-3294	145	29	n	n	ADV
fsr-3294	145	30	l	l	NOUN
fsr-3294	145	31	es	es	X
fsr-3294	145	32	s	s	X
fsr-3294	145	33	th	th	X
fsr-3294	145	34	an	an	DET
fsr-3294	145	35	hi	hi	INTJ
fsr-3294	145	36	gh	gh	PROPN
fsr-3294	145	37	sc	sc	PROPN
fsr-3294	145	38	ho	ho	PROPN
fsr-3294	145	39	ol	ol	PROPN
fsr-3294	145	40	80	80	NUM
fsr-3294	145	41	.5	.5	NUM
fsr-3294	145	42	0	0	NUM
fsr-3294	145	43	%	%	NOUN
fsr-3294	145	44	77	77	NUM
fsr-3294	145	45	.6	.6	NUM
fsr-3294	145	46	2	2	NUM
fsr-3294	145	47	%	%	NOUN
fsr-3294	145	48	68	68	NUM
fsr-3294	145	49	.6	.6	NUM
fsr-3294	145	50	1	1	NUM
fsr-3294	145	51	%	%	NOUN
fsr-3294	145	52	60	60	NUM
fsr-3294	145	53	.1	.1	NUM
fsr-3294	145	54	7	7	NUM
fsr-3294	145	55	%	%	NOUN
fsr-3294	145	56	37	37	NUM
fsr-3294	145	57	.4	.4	NUM
fsr-3294	145	58	8	8	NUM
fsr-3294	145	59	%	%	NOUN
fsr-3294	145	60	32	32	NUM
fsr-3294	145	61	.8	.8	NUM
fsr-3294	145	62	5	5	NUM
fsr-3294	145	63	%	%	NOUN
fsr-3294	145	64	53	53	NUM
fsr-3294	145	65	.3	.3	NUM
fsr-3294	145	66	2	2	NUM
fsr-3294	145	67	%	%	NOUN
fsr-3294	145	68	50	50	NUM
fsr-3294	145	69	.8	.8	NUM
fsr-3294	145	70	0	0	NUM
fsr-3294	146	1	%	%	NOUN
fsr-3294	147	1	a	a	DET
fsr-3294	147	2	ss	ss	NOUN
fsr-3294	147	3	oc	oc	X
fsr-3294	147	4	ia	ia	X
fsr-3294	147	5	te	te	PROPN
fsr-3294	147	6	de	de	X
fsr-3294	147	7	gr	gr	X
fsr-3294	147	8	ee	ee	PROPN
fsr-3294	147	9	5	5	NUM
fsr-3294	147	10	.	.	PUNCT
fsr-3294	147	11	28	28	NUM
fsr-3294	147	12	%	%	NOUN
fsr-3294	147	13	7	7	NUM
fsr-3294	147	14	.	.	NOUN
fsr-3294	147	15	37	37	NUM
fsr-3294	147	16	%	%	NOUN
fsr-3294	147	17	7	7	NUM
fsr-3294	147	18	.	.	SYM
fsr-3294	147	19	34	34	NUM
fsr-3294	147	20	%	%	NOUN
fsr-3294	147	21	9	9	NUM
fsr-3294	147	22	.	.	NOUN
fsr-3294	147	23	29	29	NUM
fsr-3294	147	24	%	%	NOUN
fsr-3294	147	25	7	7	NUM
fsr-3294	147	26	.	.	NOUN
fsr-3294	147	27	73	73	NUM
fsr-3294	147	28	%	%	NOUN
fsr-3294	147	29	6	6	NUM
fsr-3294	147	30	.	.	NOUN
fsr-3294	148	1	60	60	NUM
fsr-3294	148	2	%	%	NOUN
fsr-3294	148	3	7	7	NUM
fsr-3294	148	4	.	.	NOUN
fsr-3294	148	5	16	16	NUM
fsr-3294	148	6	%	%	NOUN
fsr-3294	148	7	7	7	NUM
fsr-3294	148	8	.	.	X
fsr-3294	149	1	47	47	NUM
fsr-3294	149	2	%	%	NOUN
fsr-3294	149	3	b	b	X
fsr-3294	149	4	ac	ac	ADV
fsr-3294	150	1	he	he	PRON
fsr-3294	150	2	lo	lo	NOUN
fsr-3294	150	3	r	r	NOUN
fsr-3294	150	4	de	de	PROPN
fsr-3294	150	5	gr	gr	X
fsr-3294	150	6	ee	ee	PROPN
fsr-3294	150	7	9	9	NUM
fsr-3294	150	8	.	.	PUNCT
fsr-3294	150	9	79	79	NUM
fsr-3294	150	10	%	%	NOUN
fsr-3294	150	11	11	11	NUM
fsr-3294	150	12	.6	.6	NUM
fsr-3294	150	13	7	7	NUM
fsr-3294	150	14	%	%	NOUN
fsr-3294	150	15	17	17	NUM
fsr-3294	150	16	.5	.5	NUM
fsr-3294	150	17	4	4	NUM
fsr-3294	150	18	%	%	NOUN
fsr-3294	150	19	19	19	NUM
fsr-3294	150	20	.7	.7	NUM
fsr-3294	150	21	6	6	NUM
fsr-3294	150	22	%	%	NOUN
fsr-3294	150	23	29	29	NUM
fsr-3294	150	24	.9	.9	NUM
fsr-3294	150	25	8	8	NUM
fsr-3294	150	26	%	%	NOUN
fsr-3294	150	27	33	33	NUM
fsr-3294	150	28	.0	.0	NUM
fsr-3294	150	29	8	8	NUM
fsr-3294	150	30	%	%	NOUN
fsr-3294	150	31	23	23	NUM
fsr-3294	150	32	.0	.0	NUM
fsr-3294	150	33	7	7	NUM
fsr-3294	150	34	%	%	NOUN
fsr-3294	150	35	24	24	NUM
fsr-3294	150	36	.4	.4	NUM
fsr-3294	150	37	3	3	NUM
fsr-3294	150	38	%	%	NOUN
fsr-3294	150	39	g	g	PROPN
fsr-3294	150	40	ra	ra	PROPN
fsr-3294	150	41	du	du	NOUN
fsr-3294	150	42	at	at	ADP
fsr-3294	150	43	e	e	PROPN
fsr-3294	150	44	de	de	X
fsr-3294	150	45	gr	gr	X
fsr-3294	150	46	ee	ee	PROPN
fsr-3294	150	47	4	4	NUM
fsr-3294	150	48	.	.	PUNCT
fsr-3294	150	49	02	02	NUM
fsr-3294	150	50	%	%	NOUN
fsr-3294	150	51	3	3	NUM
fsr-3294	150	52	.	.	NOUN
fsr-3294	150	53	28	28	NUM
fsr-3294	150	54	%	%	NOUN
fsr-3294	150	55	6	6	NUM
fsr-3294	150	56	.	.	SYM
fsr-3294	150	57	51	51	NUM
fsr-3294	150	58	%	%	NOUN
fsr-3294	150	59	10	10	NUM
fsr-3294	150	60	.4	.4	NUM
fsr-3294	150	61	8	8	NUM
fsr-3294	150	62	%	%	NOUN
fsr-3294	150	63	24	24	NUM
fsr-3294	150	64	.4	.4	NUM
fsr-3294	150	65	1	1	NUM
fsr-3294	150	66	%	%	NOUN
fsr-3294	150	67	27	27	NUM
fsr-3294	150	68	.1	.1	NUM
fsr-3294	150	69	0	0	NUM
fsr-3294	150	70	%	%	NOUN
fsr-3294	150	71	16	16	NUM
fsr-3294	150	72	.1	.1	NUM
fsr-3294	150	73	4	4	NUM
fsr-3294	150	74	%	%	NOUN
fsr-3294	150	75	17	17	NUM
fsr-3294	150	76	.0	.0	NUM
fsr-3294	150	77	3	3	NUM
fsr-3294	150	78	%	%	NOUN
fsr-3294	150	79	c	c	NOUN
fsr-3294	150	80	er	er	INTJ
fsr-3294	150	81	tifi	tifi	NOUN
fsr-3294	150	82	ca	can	AUX
fsr-3294	150	83	te	te	PROPN
fsr-3294	150	84	0	0	NUM
fsr-3294	150	85	.	.	PROPN
fsr-3294	150	86	40	40	NUM
fsr-3294	150	87	%	%	NOUN
fsr-3294	150	88	0	0	NUM
fsr-3294	150	89	.	.	NOUN
fsr-3294	151	1	07	07	NUM
fsr-3294	151	2	%	%	NOUN
fsr-3294	151	3	0	0	NUM
fsr-3294	151	4	.	.	NOUN
fsr-3294	151	5	00	00	NUM
fsr-3294	152	1	%	%	NOUN
fsr-3294	152	2	0	0	NUM
fsr-3294	152	3	.	.	PROPN
fsr-3294	152	4	31	31	NUM
fsr-3294	152	5	%	%	NOUN
fsr-3294	152	6	0	0	NUM
fsr-3294	152	7	.	.	NOUN
fsr-3294	152	8	39	39	NUM
fsr-3294	152	9	%	%	NOUN
fsr-3294	152	10	0	0	NUM
fsr-3294	152	11	.	.	NOUN
fsr-3294	152	12	36	36	NUM
fsr-3294	152	13	%	%	NOUN
fsr-3294	152	14	0	0	NUM
fsr-3294	152	15	.	.	PROPN
fsr-3294	152	16	30	30	NUM
fsr-3294	152	17	%	%	NOUN
fsr-3294	152	18	0	0	NUM
fsr-3294	152	19	.	.	PUNCT
fsr-3294	153	1	28	28	NUM
fsr-3294	153	2	%	%	NOUN
fsr-3294	153	3	a	a	DET
fsr-3294	153	4	ge	ge	PROPN
fsr-3294	153	5	18	18	NUM
fsr-3294	153	6	–	–	SYM
fsr-3294	153	7	3	3	NUM
fsr-3294	153	8	0	0	NUM
fsr-3294	153	9	31	31	NUM
fsr-3294	153	10	.2	.2	NUM
fsr-3294	153	11	4	4	NUM
fsr-3294	153	12	%	%	NOUN
fsr-3294	153	13	25	25	NUM
fsr-3294	153	14	.1	.1	NUM
fsr-3294	153	15	7	7	NUM
fsr-3294	153	16	%	%	NOUN
fsr-3294	153	17	20	20	NUM
fsr-3294	153	18	.9	.9	NUM
fsr-3294	153	19	0	0	NUM
fsr-3294	153	20	%	%	NOUN
fsr-3294	153	21	16	16	NUM
fsr-3294	153	22	.6	.6	NUM
fsr-3294	153	23	1	1	NUM
fsr-3294	153	24	%	%	NOUN
fsr-3294	153	25	9	9	NUM
fsr-3294	153	26	.	.	X
fsr-3294	153	27	59	59	NUM
fsr-3294	153	28	%	%	NOUN
fsr-3294	153	29	10	10	NUM
fsr-3294	153	30	.5	.5	NUM
fsr-3294	153	31	0	0	NUM
fsr-3294	153	32	%	%	NOUN
fsr-3294	153	33	16	16	NUM
fsr-3294	153	34	.5	.5	NUM
fsr-3294	153	35	1	1	NUM
fsr-3294	153	36	%	%	NOUN
fsr-3294	153	37	15	15	NUM
fsr-3294	153	38	.6	.6	NUM
fsr-3294	153	39	7	7	NUM
fsr-3294	153	40	%	%	NOUN
fsr-3294	153	41	31	31	NUM
fsr-3294	153	42	–	–	SYM
fsr-3294	153	43	5	5	NUM
fsr-3294	153	44	0	0	NUM
fsr-3294	153	45	44	44	NUM
fsr-3294	153	46	.9	.9	NUM
fsr-3294	153	47	0	0	NUM
fsr-3294	153	48	%	%	NOUN
fsr-3294	153	49	43	43	NUM
fsr-3294	153	50	.8	.8	NUM
fsr-3294	153	51	5	5	NUM
fsr-3294	153	52	%	%	NOUN
fsr-3294	153	53	57	57	NUM
fsr-3294	153	54	.2	.2	NUM
fsr-3294	153	55	3	3	NUM
fsr-3294	153	56	%	%	NOUN
fsr-3294	153	57	53	53	NUM
fsr-3294	153	58	.8	.8	NUM
fsr-3294	153	59	7	7	NUM
fsr-3294	153	60	%	%	NOUN
fsr-3294	153	61	54	54	NUM
fsr-3294	153	62	.7	.7	NUM
fsr-3294	153	63	7	7	NUM
fsr-3294	153	64	%	%	NOUN
fsr-3294	153	65	48	48	NUM
fsr-3294	153	66	.7	.7	NUM
fsr-3294	153	67	6	6	NUM
fsr-3294	153	68	%	%	NOUN
fsr-3294	154	1	53	53	NUM
fsr-3294	154	2	.4	.4	NUM
fsr-3294	154	3	6	6	NUM
fsr-3294	154	4	%	%	NOUN
fsr-3294	154	5	48	48	NUM
fsr-3294	154	6	.8	.8	NUM
fsr-3294	154	7	3	3	NUM
fsr-3294	154	8	%	%	NOUN
fsr-3294	154	9	51	51	NUM
fsr-3294	154	10	�	�	PROPN
fsr-3294	154	11	23	23	NUM
fsr-3294	154	12	.8	.8	NUM
fsr-3294	154	13	6	6	NUM
fsr-3294	154	14	%	%	NOUN
fsr-3294	154	15	30	30	NUM
fsr-3294	154	16	.9	.9	NUM
fsr-3294	154	17	8	8	NUM
fsr-3294	154	18	%	%	NOUN
fsr-3294	154	19	21	21	NUM
fsr-3294	154	20	.8	.8	NUM
fsr-3294	154	21	7	7	NUM
fsr-3294	154	22	%	%	NOUN
fsr-3294	154	23	29	29	NUM
fsr-3294	154	24	.5	.5	NUM
fsr-3294	154	25	3	3	NUM
fsr-3294	154	26	%	%	NOUN
fsr-3294	154	27	35	35	NUM
fsr-3294	154	28	.6	.6	NUM
fsr-3294	154	29	4	4	NUM
fsr-3294	154	30	%	%	NOUN
fsr-3294	154	31	40	40	NUM
fsr-3294	154	32	.7	.7	NUM
fsr-3294	154	33	3	3	NUM
fsr-3294	154	34	%	%	NOUN
fsr-3294	154	35	30	30	NUM
fsr-3294	154	36	.0	.0	NUM
fsr-3294	154	37	3	3	NUM
fsr-3294	154	38	%	%	NOUN
fsr-3294	154	39	35	35	NUM
fsr-3294	154	40	.5	.5	NUM
fsr-3294	154	41	0	0	NUM
fsr-3294	154	42	%	%	NOUN
fsr-3294	154	43	26	26	NUM
fsr-3294	154	44	c.	c.	PROPN
fsr-3294	154	45	hudson	hudson	PROPN
fsr-3294	154	46	et	et	PROPN
fsr-3294	154	47	al	al	PROPN
fsr-3294	154	48	.	.	PUNCT
fsr-3294	154	49	/	/	SYM
fsr-3294	154	50	financial	financial	ADJ
fsr-3294	154	51	services	service	NOUN
fsr-3294	154	52	review	review	VERB
fsr-3294	154	53	26	26	NUM
fsr-3294	154	54	(	(	PUNCT
fsr-3294	154	55	2017	2017	NUM
fsr-3294	154	56	)	)	PUNCT
fsr-3294	154	57	19–36	19–36	NUM
fsr-3294	154	58	4.3	4.3	NUM
fsr-3294	154	59	.	.	PUNCT
fsr-3294	155	1	statistical	statistical	ADJ
fsr-3294	155	2	analysis	analysis	NOUN
fsr-3294	155	3	descriptive	descriptive	ADJ
fsr-3294	155	4	statistics	statistic	NOUN
fsr-3294	155	5	were	be	AUX
fsr-3294	155	6	generated	generate	VERB
fsr-3294	155	7	to	to	PART
fsr-3294	155	8	describe	describe	VERB
fsr-3294	155	9	the	the	DET
fsr-3294	155	10	demographic	demographic	ADJ
fsr-3294	155	11	and	and	CCONJ
fsr-3294	155	12	socioeconomic	socioeconomic	ADJ
fsr-3294	155	13	characteristics	characteristic	NOUN
fsr-3294	155	14	of	of	ADP
fsr-3294	155	15	all	all	DET
fsr-3294	155	16	employees	employee	NOUN
fsr-3294	155	17	,	,	PUNCT
fsr-3294	155	18	and	and	CCONJ
fsr-3294	155	19	the	the	DET
fsr-3294	155	20	low	low	ADJ
fsr-3294	155	21	-	-	PUNCT
fsr-3294	155	22	income	income	NOUN
fsr-3294	155	23	,	,	PUNCT
fsr-3294	155	24	middle	middle	ADJ
fsr-3294	155	25	-	-	PUNCT
fsr-3294	155	26	income	income	NOUN
fsr-3294	155	27	,	,	PUNCT
fsr-3294	155	28	and	and	CCONJ
fsr-3294	155	29	high	high	ADJ
fsr-3294	155	30	-	-	PUNCT
fsr-3294	155	31	income	income	NOUN
fsr-3294	155	32	employee	employee	NOUN
fsr-3294	155	33	subsamples	subsample	NOUN
fsr-3294	155	34	.	.	PUNCT
fsr-3294	156	1	the	the	DET
fsr-3294	156	2	distribution	distribution	NOUN
fsr-3294	156	3	of	of	ADP
fsr-3294	156	4	all	all	DET
fsr-3294	156	5	employees	employee	NOUN
fsr-3294	156	6	,	,	PUNCT
fsr-3294	156	7	and	and	CCONJ
fsr-3294	156	8	the	the	DET
fsr-3294	156	9	low	low	ADJ
fsr-3294	156	10	-	-	PUNCT
fsr-3294	156	11	income	income	NOUN
fsr-3294	156	12	,	,	PUNCT
fsr-3294	156	13	middleincome	middleincome	PROPN
fsr-3294	156	14	,	,	PUNCT
fsr-3294	156	15	and	and	CCONJ
fsr-3294	156	16	high	high	ADJ
fsr-3294	156	17	-	-	PUNCT
fsr-3294	156	18	income	income	NOUN
fsr-3294	156	19	employees	employee	NOUN
fsr-3294	156	20	that	that	PRON
fsr-3294	156	21	responded	respond	VERB
fsr-3294	156	22	affirmatively	affirmatively	ADV
fsr-3294	156	23	or	or	CCONJ
fsr-3294	156	24	negatively	negatively	ADV
fsr-3294	156	25	to	to	ADP
fsr-3294	156	26	each	each	DET
fsr-3294	156	27	financial	financial	ADJ
fsr-3294	156	28	behavior	behavior	NOUN
fsr-3294	156	29	was	be	AUX
fsr-3294	156	30	determined	determine	VERB
fsr-3294	156	31	through	through	ADP
fsr-3294	156	32	a	a	DET
fsr-3294	156	33	frequency	frequency	NOUN
fsr-3294	156	34	analysis	analysis	NOUN
fsr-3294	156	35	.	.	PUNCT
fsr-3294	157	1	an	an	DET
fsr-3294	157	2	overall	overall	ADJ
fsr-3294	157	3	savings	saving	NOUN
fsr-3294	157	4	percentage	percentage	NOUN
fsr-3294	157	5	and	and	CCONJ
fsr-3294	157	6	overall	overall	ADJ
fsr-3294	157	7	cash	cash	NOUN
fsr-3294	157	8	flow	flow	NOUN
fsr-3294	157	9	management	management	NOUN
fsr-3294	157	10	percentage	percentage	NOUN
fsr-3294	157	11	was	be	AUX
fsr-3294	157	12	created	create	VERB
fsr-3294	157	13	by	by	ADP
fsr-3294	157	14	combining	combine	VERB
fsr-3294	157	15	the	the	DET
fsr-3294	157	16	total	total	ADJ
fsr-3294	157	17	affirmative	affirmative	ADJ
fsr-3294	157	18	responses	response	NOUN
fsr-3294	157	19	.	.	PUNCT
fsr-3294	158	1	an	an	DET
fsr-3294	158	2	ordered	order	VERB
fsr-3294	158	3	logistic	logistic	ADJ
fsr-3294	158	4	regression	regression	NOUN
fsr-3294	158	5	model	model	NOUN
fsr-3294	158	6	was	be	AUX
fsr-3294	158	7	used	use	VERB
fsr-3294	158	8	to	to	PART
fsr-3294	158	9	analyze	analyze	VERB
fsr-3294	158	10	data	datum	NOUN
fsr-3294	158	11	to	to	PART
fsr-3294	158	12	determine	determine	VERB
fsr-3294	158	13	if	if	SCONJ
fsr-3294	158	14	there	there	PRON
fsr-3294	158	15	was	be	VERB
fsr-3294	158	16	a	a	DET
fsr-3294	158	17	significant	significant	ADJ
fsr-3294	158	18	change	change	NOUN
fsr-3294	158	19	in	in	ADP
fsr-3294	158	20	savings	saving	NOUN
fsr-3294	158	21	and	and	CCONJ
fsr-3294	158	22	cash	cash	NOUN
fsr-3294	158	23	flow	flow	NOUN
fsr-3294	158	24	management	management	NOUN
fsr-3294	158	25	behavior	behavior	NOUN
fsr-3294	158	26	from	from	ADP
fsr-3294	158	27	2004	2004	NUM
fsr-3294	158	28	to	to	ADP
fsr-3294	158	29	2013	2013	NUM
fsr-3294	158	30	.	.	PUNCT
fsr-3294	159	1	data	datum	NOUN
fsr-3294	159	2	from	from	ADP
fsr-3294	159	3	the	the	DET
fsr-3294	159	4	2004	2004	NUM
fsr-3294	159	5	and	and	CCONJ
fsr-3294	159	6	2013	2013	NUM
fsr-3294	159	7	scf	scf	PROPN
fsr-3294	159	8	were	be	AUX
fsr-3294	159	9	combined	combine	VERB
fsr-3294	159	10	,	,	PUNCT
fsr-3294	159	11	and	and	CCONJ
fsr-3294	159	12	the	the	DET
fsr-3294	159	13	overall	overall	ADJ
fsr-3294	159	14	savings	saving	NOUN
fsr-3294	159	15	index	index	NOUN
fsr-3294	159	16	and	and	CCONJ
fsr-3294	159	17	cash	cash	NOUN
fsr-3294	159	18	flow	flow	NOUN
fsr-3294	159	19	management	management	NOUN
fsr-3294	159	20	index	index	NOUN
fsr-3294	159	21	were	be	AUX
fsr-3294	159	22	calculated	calculate	VERB
fsr-3294	159	23	for	for	ADP
fsr-3294	159	24	all	all	PRON
fsr-3294	159	25	of	of	ADP
fsr-3294	159	26	the	the	DET
fsr-3294	159	27	sample	sample	NOUN
fsr-3294	159	28	respondents	respondent	NOUN
fsr-3294	159	29	.	.	PUNCT
fsr-3294	160	1	the	the	DET
fsr-3294	160	2	primary	primary	ADJ
fsr-3294	160	3	independent	independent	ADJ
fsr-3294	160	4	variable	variable	NOUN
fsr-3294	160	5	was	be	AUX
fsr-3294	160	6	a	a	DET
fsr-3294	160	7	binary	binary	ADJ
fsr-3294	160	8	variable	variable	NOUN
fsr-3294	160	9	used	use	VERB
fsr-3294	160	10	to	to	PART
fsr-3294	160	11	indicate	indicate	VERB
fsr-3294	160	12	whether	whether	SCONJ
fsr-3294	160	13	the	the	DET
fsr-3294	160	14	savings	saving	NOUN
fsr-3294	160	15	and	and	CCONJ
fsr-3294	160	16	cash	cash	NOUN
fsr-3294	160	17	flow	flow	NOUN
fsr-3294	160	18	management	management	NOUN
fsr-3294	160	19	indices	index	NOUN
fsr-3294	160	20	were	be	AUX
fsr-3294	160	21	being	be	AUX
fsr-3294	160	22	measured	measure	VERB
fsr-3294	160	23	before	before	ADP
fsr-3294	160	24	or	or	CCONJ
fsr-3294	160	25	following	follow	VERB
fsr-3294	160	26	the	the	DET
fsr-3294	160	27	financial	financial	ADJ
fsr-3294	160	28	crisis	crisis	NOUN
fsr-3294	160	29	.	.	PUNCT
fsr-3294	161	1	other	other	ADJ
fsr-3294	161	2	control	control	NOUN
fsr-3294	161	3	variables	variable	NOUN
fsr-3294	161	4	included	include	VERB
fsr-3294	161	5	race	race	NOUN
fsr-3294	161	6	,	,	PUNCT
fsr-3294	161	7	education	education	NOUN
fsr-3294	161	8	,	,	PUNCT
fsr-3294	161	9	and	and	CCONJ
fsr-3294	161	10	age	age	NOUN
fsr-3294	161	11	.	.	PUNCT
fsr-3294	162	1	ordered	order	VERB
fsr-3294	162	2	logistic	logistic	ADJ
fsr-3294	162	3	regression	regression	NOUN
fsr-3294	162	4	models	model	NOUN
fsr-3294	162	5	were	be	AUX
fsr-3294	162	6	used	use	VERB
fsr-3294	162	7	to	to	PART
fsr-3294	162	8	evaluate	evaluate	VERB
fsr-3294	162	9	whether	whether	SCONJ
fsr-3294	162	10	there	there	PRON
fsr-3294	162	11	was	be	VERB
fsr-3294	162	12	a	a	DET
fsr-3294	162	13	significant	significant	ADJ
fsr-3294	162	14	difference	difference	NOUN
fsr-3294	162	15	in	in	ADP
fsr-3294	162	16	all	all	DET
fsr-3294	162	17	employees	employee	NOUN
fsr-3294	162	18	’	'	PUNCT
fsr-3294	162	19	and	and	CCONJ
fsr-3294	162	20	low	low	ADJ
fsr-3294	162	21	-	-	PUNCT
fsr-3294	162	22	income	income	NOUN
fsr-3294	162	23	employees	employee	NOUN
fsr-3294	162	24	’	’	PART
fsr-3294	162	25	savings	saving	NOUN
fsr-3294	162	26	behavior	behavior	NOUN
fsr-3294	162	27	and	and	CCONJ
fsr-3294	162	28	cash	cash	NOUN
fsr-3294	162	29	flow	flow	NOUN
fsr-3294	162	30	management	management	NOUN
fsr-3294	162	31	behavior	behavior	NOUN
fsr-3294	162	32	.	.	PUNCT
fsr-3294	163	1	these	these	DET
fsr-3294	163	2	two	two	NUM
fsr-3294	163	3	samples	sample	NOUN
fsr-3294	163	4	were	be	AUX
fsr-3294	163	5	the	the	DET
fsr-3294	163	6	focal	focal	ADJ
fsr-3294	163	7	groups	group	NOUN
fsr-3294	163	8	of	of	ADP
fsr-3294	163	9	this	this	DET
fsr-3294	163	10	study	study	NOUN
fsr-3294	163	11	,	,	PUNCT
fsr-3294	163	12	and	and	CCONJ
fsr-3294	163	13	their	their	PRON
fsr-3294	163	14	regression	regression	NOUN
fsr-3294	163	15	models	model	NOUN
fsr-3294	163	16	were	be	AUX
fsr-3294	163	17	used	use	VERB
fsr-3294	163	18	to	to	PART
fsr-3294	163	19	prove	prove	VERB
fsr-3294	163	20	or	or	CCONJ
fsr-3294	163	21	disprove	disprove	VERB
fsr-3294	163	22	the	the	DET
fsr-3294	163	23	study	study	NOUN
fsr-3294	163	24	’s	’s	PART
fsr-3294	163	25	hypotheses	hypothesis	NOUN
fsr-3294	163	26	.	.	PUNCT
fsr-3294	164	1	moreover	moreover	ADV
fsr-3294	164	2	,	,	PUNCT
fsr-3294	164	3	middle	middle	ADJ
fsr-3294	164	4	-	-	PUNCT
fsr-3294	164	5	income	income	NOUN
fsr-3294	164	6	and	and	CCONJ
fsr-3294	164	7	high	high	ADJ
fsr-3294	164	8	-	-	PUNCT
fsr-3294	164	9	income	income	NOUN
fsr-3294	164	10	employees	employee	NOUN
fsr-3294	164	11	’	’	PART
fsr-3294	164	12	savings	saving	NOUN
fsr-3294	164	13	and	and	CCONJ
fsr-3294	164	14	cash	cash	NOUN
fsr-3294	164	15	flow	flow	NOUN
fsr-3294	164	16	management	management	NOUN
fsr-3294	164	17	behaviors	behavior	NOUN
fsr-3294	164	18	were	be	AUX
fsr-3294	164	19	evaluated	evaluate	VERB
fsr-3294	164	20	in	in	ADP
fsr-3294	164	21	the	the	DET
fsr-3294	164	22	same	same	ADJ
fsr-3294	164	23	manner	manner	NOUN
fsr-3294	164	24	as	as	ADP
fsr-3294	164	25	a	a	DET
fsr-3294	164	26	method	method	NOUN
fsr-3294	164	27	of	of	ADP
fsr-3294	164	28	comparison	comparison	NOUN
fsr-3294	164	29	to	to	ADP
fsr-3294	164	30	low	low	ADJ
fsr-3294	164	31	-	-	PUNCT
fsr-3294	164	32	income	income	NOUN
fsr-3294	164	33	employees	employee	NOUN
fsr-3294	164	34	.	.	PUNCT
fsr-3294	165	1	the	the	DET
fsr-3294	165	2	ordered	order	VERB
fsr-3294	165	3	logistic	logistic	ADJ
fsr-3294	165	4	regression	regression	NOUN
fsr-3294	165	5	model	model	NOUN
fsr-3294	165	6	was	be	AUX
fsr-3294	165	7	utilized	utilize	VERB
fsr-3294	165	8	to	to	PART
fsr-3294	165	9	analyze	analyze	VERB
fsr-3294	165	10	the	the	DET
fsr-3294	165	11	relationship	relationship	NOUN
fsr-3294	165	12	of	of	ADP
fsr-3294	165	13	a	a	DET
fsr-3294	165	14	set	set	NOUN
fsr-3294	165	15	of	of	ADP
fsr-3294	165	16	independent	independent	ADJ
fsr-3294	165	17	variables	variable	NOUN
fsr-3294	165	18	and	and	CCONJ
fsr-3294	165	19	an	an	DET
fsr-3294	165	20	ordinal	ordinal	ADJ
fsr-3294	165	21	dependent	dependent	ADJ
fsr-3294	165	22	variable	variable	NOUN
fsr-3294	165	23	.	.	PUNCT
fsr-3294	166	1	in	in	ADP
fsr-3294	166	2	this	this	DET
fsr-3294	166	3	study	study	NOUN
fsr-3294	166	4	,	,	PUNCT
fsr-3294	166	5	the	the	DET
fsr-3294	166	6	ordinal	ordinal	ADJ
fsr-3294	166	7	dependent	dependent	ADJ
fsr-3294	166	8	variables	variable	NOUN
fsr-3294	166	9	were	be	AUX
fsr-3294	166	10	the	the	DET
fsr-3294	166	11	savings	saving	NOUN
fsr-3294	166	12	behavior	behavior	NOUN
fsr-3294	166	13	index	index	NOUN
fsr-3294	166	14	and	and	CCONJ
fsr-3294	166	15	cash	cash	NOUN
fsr-3294	166	16	flow	flow	NOUN
fsr-3294	166	17	management	management	NOUN
fsr-3294	166	18	behavior	behavior	NOUN
fsr-3294	166	19	index	index	NOUN
fsr-3294	166	20	,	,	PUNCT
fsr-3294	166	21	with	with	ADP
fsr-3294	166	22	four	four	NUM
fsr-3294	166	23	possible	possible	ADJ
fsr-3294	166	24	ordered	order	VERB
fsr-3294	166	25	responses	response	NOUN
fsr-3294	166	26	.	.	PUNCT
fsr-3294	167	1	the	the	DET
fsr-3294	167	2	ordered	order	VERB
fsr-3294	167	3	logistic	logistic	ADJ
fsr-3294	167	4	regression	regression	NOUN
fsr-3294	167	5	model	model	NOUN
fsr-3294	167	6	is	be	AUX
fsr-3294	167	7	based	base	VERB
fsr-3294	167	8	on	on	ADP
fsr-3294	167	9	the	the	DET
fsr-3294	167	10	assumption	assumption	NOUN
fsr-3294	167	11	that	that	SCONJ
fsr-3294	167	12	outcome	outcome	VERB
fsr-3294	167	13	i	i	PRON
fsr-3294	167	14	corresponds	correspond	VERB
fsr-3294	167	15	to	to	ADP
fsr-3294	167	16	the	the	DET
fsr-3294	167	17	probability	probability	NOUN
fsr-3294	167	18	that	that	SCONJ
fsr-3294	167	19	the	the	DET
fsr-3294	167	20	estimated	estimate	VERB
fsr-3294	167	21	linear	linear	NOUN
fsr-3294	167	22	function	function	NOUN
fsr-3294	167	23	is	be	AUX
fsr-3294	167	24	within	within	ADP
fsr-3294	167	25	the	the	DET
fsr-3294	167	26	range	range	NOUN
fsr-3294	167	27	of	of	ADP
fsr-3294	167	28	the	the	DET
fsr-3294	167	29	cutoff	cutoff	NOUN
fsr-3294	167	30	points	point	NOUN
fsr-3294	167	31	estimated	estimate	VERB
fsr-3294	167	32	by	by	ADP
fsr-3294	167	33	the	the	DET
fsr-3294	167	34	outcome	outcome	NOUN
fsr-3294	167	35	.	.	PUNCT
fsr-3294	168	1	the	the	DET
fsr-3294	168	2	probability	probability	NOUN
fsr-3294	168	3	odds	odd	NOUN
fsr-3294	168	4	models	model	NOUN
fsr-3294	168	5	are	be	AUX
fsr-3294	168	6	as	as	SCONJ
fsr-3294	168	7	follows	follow	VERB
fsr-3294	168	8	(	(	PUNCT
fsr-3294	168	9	snedker	snedker	NOUN
fsr-3294	168	10	,	,	PUNCT
fsr-3294	168	11	glynn	glynn	PROPN
fsr-3294	168	12	,	,	PUNCT
fsr-3294	168	13	&	&	CCONJ
fsr-3294	168	14	wang	wang	PROPN
fsr-3294	168	15	,	,	PUNCT
fsr-3294	168	16	2002	2002	NUM
fsr-3294	168	17	):	):	PUNCT
fsr-3294	168	18	logit(p1	logit(p1	NOUN
fsr-3294	168	19	)	)	PUNCT
fsr-3294	168	20	�	�	PROPN
fsr-3294	168	21	log	log	NOUN
fsr-3294	168	22	p1	p1	NOUN
fsr-3294	168	23	1	1	NUM
fsr-3294	168	24	�	�	PROPN
fsr-3294	168	25	p1	p1	PROPN
fsr-3294	168	26	�	�	PROPN
fsr-3294	168	27	�	�	PROPN
fsr-3294	168	28	1	1	NUM
fsr-3294	168	29	�	�	PROPN
fsr-3294	168	30	bx1	bx1	VERB
fsr-3294	168	31	(	(	PUNCT
fsr-3294	168	32	1	1	X
fsr-3294	168	33	)	)	PUNCT
fsr-3294	168	34	logit(p1	logit(p1	NOUN
fsr-3294	168	35	�	�	PROPN
fsr-3294	168	36	p2	p2	PROPN
fsr-3294	168	37	)	)	PUNCT
fsr-3294	168	38	�	�	PROPN
fsr-3294	168	39	log	log	NOUN
fsr-3294	168	40	p1	p1	PROPN
fsr-3294	168	41	�	�	PROPN
fsr-3294	168	42	p2	p2	PROPN
fsr-3294	168	43	1	1	NUM
fsr-3294	168	44	�	�	PROPN
fsr-3294	168	45	p1	p1	PROPN
fsr-3294	168	46	�	�	PROPN
fsr-3294	168	47	p2	p2	PROPN
fsr-3294	168	48	�	�	PROPN
fsr-3294	168	49	�	�	PROPN
fsr-3294	168	50	1	1	NUM
fsr-3294	168	51	�	�	PROPN
fsr-3294	168	52	b	b	PROPN
fsr-3294	168	53	�	�	PROPN
fsr-3294	168	54	x1	x1	PROPN
fsr-3294	168	55	(	(	PUNCT
fsr-3294	168	56	2	2	NUM
fsr-3294	168	57	)	)	PUNCT
fsr-3294	168	58	logit(p1	logit(p1	NOUN
fsr-3294	168	59	�	�	PROPN
fsr-3294	168	60	p2	p2	PROPN
fsr-3294	168	61	�	�	PROPN
fsr-3294	168	62	�	�	PROPN
fsr-3294	168	63	�	�	PROPN
fsr-3294	168	64	�	�	PROPN
fsr-3294	168	65	pk	pk	PROPN
fsr-3294	168	66	)	)	PUNCT
fsr-3294	168	67	�	�	PROPN
fsr-3294	168	68	log	log	PROPN
fsr-3294	168	69	p1	p1	PROPN
fsr-3294	168	70	�	�	PROPN
fsr-3294	168	71	p2	p2	PROPN
fsr-3294	168	72	�	�	PROPN
fsr-3294	168	73	�	�	PROPN
fsr-3294	168	74	�	�	PROPN
fsr-3294	168	75	�	�	PROPN
fsr-3294	168	76	pk	pk	NOUN
fsr-3294	168	77	1	1	NUM
fsr-3294	168	78	�	�	PROPN
fsr-3294	168	79	p1	p1	PROPN
fsr-3294	168	80	�	�	PROPN
fsr-3294	168	81	p2	p2	PROPN
fsr-3294	168	82	�	�	PROPN
fsr-3294	168	83	�	�	PROPN
fsr-3294	168	84	�	�	PROPN
fsr-3294	168	85	�	�	PROPN
fsr-3294	168	86	pk	pk	PROPN
fsr-3294	168	87	�	�	PROPN
fsr-3294	168	88	�	�	PROPN
fsr-3294	168	89	1	1	NUM
fsr-3294	168	90	�	�	PROPN
fsr-3294	168	91	b	b	PROPN
fsr-3294	168	92	�	�	PROPN
fsr-3294	168	93	x1	x1	PROPN
fsr-3294	168	94	(	(	PUNCT
fsr-3294	168	95	3	3	NUM
fsr-3294	168	96	)	)	PUNCT
fsr-3294	168	97	coefficients	coefficient	NOUN
fsr-3294	168	98	and	and	CCONJ
fsr-3294	168	99	odds	odd	NOUN
fsr-3294	168	100	ratios	ratio	NOUN
fsr-3294	168	101	were	be	AUX
fsr-3294	168	102	generated	generate	VERB
fsr-3294	168	103	for	for	ADP
fsr-3294	168	104	each	each	DET
fsr-3294	168	105	independent	independent	ADJ
fsr-3294	168	106	variable	variable	NOUN
fsr-3294	168	107	to	to	PART
fsr-3294	168	108	estimate	estimate	VERB
fsr-3294	168	109	the	the	DET
fsr-3294	168	110	maximum	maximum	ADJ
fsr-3294	168	111	likelihood	likelihood	NOUN
fsr-3294	168	112	of	of	ADP
fsr-3294	168	113	this	this	DET
fsr-3294	168	114	independent	independent	ADJ
fsr-3294	168	115	variable	variable	NOUN
fsr-3294	168	116	(	(	PUNCT
fsr-3294	168	117	snedker	snedker	NOUN
fsr-3294	168	118	et	et	PROPN
fsr-3294	168	119	al	al	PROPN
fsr-3294	168	120	.	.	PROPN
fsr-3294	168	121	,	,	PUNCT
fsr-3294	168	122	2002	2002	NUM
fsr-3294	168	123	)	)	PUNCT
fsr-3294	168	124	.	.	PUNCT
fsr-3294	169	1	if	if	SCONJ
fsr-3294	169	2	a	a	DET
fsr-3294	169	3	significant	significant	ADJ
fsr-3294	169	4	positive	positive	ADJ
fsr-3294	169	5	relationship	relationship	NOUN
fsr-3294	169	6	exists	exist	VERB
fsr-3294	169	7	between	between	ADP
fsr-3294	169	8	the	the	DET
fsr-3294	169	9	dependent	dependent	ADJ
fsr-3294	169	10	variable	variable	NOUN
fsr-3294	169	11	of	of	ADP
fsr-3294	169	12	low	low	ADJ
fsr-3294	169	13	-	-	PUNCT
fsr-3294	169	14	income	income	NOUN
fsr-3294	169	15	employees	employee	NOUN
fsr-3294	169	16	’	’	PART
fsr-3294	169	17	savings	saving	NOUN
fsr-3294	169	18	behavior	behavior	NOUN
fsr-3294	169	19	index	index	NOUN
fsr-3294	169	20	and	and	CCONJ
fsr-3294	169	21	the	the	DET
fsr-3294	169	22	independent	independent	ADJ
fsr-3294	169	23	binary	binary	ADJ
fsr-3294	169	24	variable	variable	NOUN
fsr-3294	169	25	of	of	ADP
fsr-3294	169	26	the	the	DET
fsr-3294	169	27	behavior	behavior	NOUN
fsr-3294	169	28	occurring	occur	VERB
fsr-3294	169	29	before	before	ADP
fsr-3294	169	30	27c	27c	NUM
fsr-3294	169	31	.	.	PUNCT
fsr-3294	170	1	hudson	hudson	PROPN
fsr-3294	170	2	et	et	PROPN
fsr-3294	170	3	al	al	PROPN
fsr-3294	170	4	.	.	PUNCT
fsr-3294	170	5	/	/	SYM
fsr-3294	170	6	financial	financial	ADJ
fsr-3294	170	7	services	service	NOUN
fsr-3294	170	8	review	review	VERB
fsr-3294	170	9	26	26	NUM
fsr-3294	170	10	(	(	PUNCT
fsr-3294	170	11	2017	2017	NUM
fsr-3294	170	12	)	)	PUNCT
fsr-3294	170	13	19–36	19–36	PRON
fsr-3294	170	14	the	the	DET
fsr-3294	170	15	financial	financial	ADJ
fsr-3294	170	16	crisis	crisis	NOUN
fsr-3294	170	17	or	or	CCONJ
fsr-3294	170	18	after	after	ADP
fsr-3294	170	19	the	the	DET
fsr-3294	170	20	financial	financial	ADJ
fsr-3294	170	21	crisis	crisis	NOUN
fsr-3294	170	22	,	,	PUNCT
fsr-3294	170	23	it	it	PRON
fsr-3294	170	24	would	would	AUX
fsr-3294	170	25	be	be	AUX
fsr-3294	170	26	interpreted	interpret	VERB
fsr-3294	170	27	as	as	ADP
fsr-3294	170	28	“	"	PUNCT
fsr-3294	170	29	low	low	ADJ
fsr-3294	170	30	-	-	PUNCT
fsr-3294	170	31	income	income	NOUN
fsr-3294	170	32	employees	employee	NOUN
fsr-3294	170	33	were	be	AUX
fsr-3294	170	34	x%	x%	X
fsr-3294	170	35	more	more	ADV
fsr-3294	170	36	likely	likely	ADJ
fsr-3294	170	37	to	to	PART
fsr-3294	170	38	report	report	VERB
fsr-3294	170	39	better	well	ADJ
fsr-3294	170	40	savings	saving	NOUN
fsr-3294	170	41	behavior	behavior	NOUN
fsr-3294	170	42	after	after	ADP
fsr-3294	170	43	the	the	DET
fsr-3294	170	44	financial	financial	ADJ
fsr-3294	170	45	crisis	crisis	NOUN
fsr-3294	170	46	than	than	ADP
fsr-3294	170	47	before	before	ADP
fsr-3294	170	48	the	the	DET
fsr-3294	170	49	financial	financial	ADJ
fsr-3294	170	50	crisis	crisis	NOUN
fsr-3294	170	51	.	.	PUNCT
fsr-3294	170	52	”	"	PUNCT
fsr-3294	171	1	on	on	ADP
fsr-3294	171	2	the	the	DET
fsr-3294	171	3	other	other	ADJ
fsr-3294	171	4	hand	hand	NOUN
fsr-3294	171	5	,	,	PUNCT
fsr-3294	171	6	if	if	SCONJ
fsr-3294	171	7	a	a	DET
fsr-3294	171	8	significant	significant	ADJ
fsr-3294	171	9	negative	negative	ADJ
fsr-3294	171	10	relationship	relationship	NOUN
fsr-3294	171	11	exists	exist	VERB
fsr-3294	171	12	between	between	ADP
fsr-3294	171	13	the	the	DET
fsr-3294	171	14	same	same	ADJ
fsr-3294	171	15	dependent	dependent	ADJ
fsr-3294	171	16	and	and	CCONJ
fsr-3294	171	17	independent	independent	ADJ
fsr-3294	171	18	variables	variable	NOUN
fsr-3294	171	19	,	,	PUNCT
fsr-3294	171	20	it	it	PRON
fsr-3294	171	21	would	would	AUX
fsr-3294	171	22	be	be	AUX
fsr-3294	171	23	interpreted	interpret	VERB
fsr-3294	171	24	as	as	ADP
fsr-3294	171	25	“	"	PUNCT
fsr-3294	171	26	low	low	ADJ
fsr-3294	171	27	-	-	PUNCT
fsr-3294	171	28	income	income	NOUN
fsr-3294	171	29	employees	employee	NOUN
fsr-3294	171	30	were	be	AUX
fsr-3294	171	31	less	less	ADV
fsr-3294	171	32	likely	likely	ADJ
fsr-3294	171	33	to	to	PART
fsr-3294	171	34	report	report	VERB
fsr-3294	171	35	better	well	ADJ
fsr-3294	171	36	savings	saving	NOUN
fsr-3294	171	37	behavior	behavior	NOUN
fsr-3294	171	38	after	after	ADP
fsr-3294	171	39	the	the	DET
fsr-3294	171	40	financial	financial	ADJ
fsr-3294	171	41	crisis	crisis	NOUN
fsr-3294	171	42	than	than	ADP
fsr-3294	171	43	before	before	ADP
fsr-3294	171	44	the	the	DET
fsr-3294	171	45	crisis	crisis	NOUN
fsr-3294	171	46	.	.	PUNCT
fsr-3294	171	47	”	"	PUNCT
fsr-3294	172	1	the	the	DET
fsr-3294	172	2	rii	rii	NOUN
fsr-3294	172	3	technique	technique	NOUN
fsr-3294	172	4	was	be	AUX
fsr-3294	172	5	utilized	utilize	VERB
fsr-3294	172	6	to	to	PART
fsr-3294	172	7	avoid	avoid	VERB
fsr-3294	172	8	analysis	analysis	NOUN
fsr-3294	172	9	errors	error	NOUN
fsr-3294	172	10	that	that	PRON
fsr-3294	172	11	may	may	AUX
fsr-3294	172	12	occur	occur	VERB
fsr-3294	172	13	when	when	SCONJ
fsr-3294	172	14	using	use	VERB
fsr-3294	172	15	scf	scf	PROPN
fsr-3294	172	16	data	datum	NOUN
fsr-3294	172	17	.	.	PUNCT
fsr-3294	173	1	the	the	DET
fsr-3294	173	2	scf	scf	PROPN
fsr-3294	173	3	contains	contain	VERB
fsr-3294	173	4	five	five	NUM
fsr-3294	173	5	implicates	implicate	NOUN
fsr-3294	173	6	,	,	PUNCT
fsr-3294	173	7	which	which	PRON
fsr-3294	173	8	are	be	AUX
fsr-3294	173	9	essentially	essentially	ADV
fsr-3294	173	10	five	five	NUM
fsr-3294	173	11	duplicate	duplicate	ADJ
fsr-3294	173	12	sets	set	NOUN
fsr-3294	173	13	of	of	ADP
fsr-3294	173	14	data	datum	NOUN
fsr-3294	173	15	with	with	ADP
fsr-3294	173	16	substituted	substitute	VERB
fsr-3294	173	17	estimates	estimate	NOUN
fsr-3294	173	18	for	for	ADP
fsr-3294	173	19	missing	miss	VERB
fsr-3294	173	20	data	datum	NOUN
fsr-3294	173	21	(	(	PUNCT
fsr-3294	173	22	montalto	montalto	PROPN
fsr-3294	173	23	&	&	CCONJ
fsr-3294	173	24	sung	sung	PROPN
fsr-3294	173	25	,	,	PUNCT
fsr-3294	173	26	1996	1996	NUM
fsr-3294	173	27	)	)	PUNCT
fsr-3294	173	28	.	.	PUNCT
fsr-3294	174	1	this	this	DET
fsr-3294	174	2	study	study	NOUN
fsr-3294	174	3	’s	’s	PART
fsr-3294	174	4	analysis	analysis	NOUN
fsr-3294	174	5	accounted	account	VERB
fsr-3294	174	6	for	for	ADP
fsr-3294	174	7	the	the	DET
fsr-3294	174	8	scf	scf	PROPN
fsr-3294	174	9	complex	complex	ADJ
fsr-3294	174	10	sampling	sample	VERB
fsr-3294	174	11	design	design	NOUN
fsr-3294	174	12	(	(	PUNCT
fsr-3294	174	13	i.e.	i.e.	X
fsr-3294	174	14	,	,	PUNCT
fsr-3294	174	15	dual	dual	ADJ
fsr-3294	174	16	-	-	PUNCT
fsr-3294	174	17	frame	frame	NOUN
fsr-3294	174	18	complex	complex	ADJ
fsr-3294	174	19	sampling	sampling	NOUN
fsr-3294	174	20	)	)	PUNCT
fsr-3294	174	21	and	and	CCONJ
fsr-3294	174	22	multiple	multiple	ADJ
fsr-3294	174	23	imputation	imputation	NOUN
fsr-3294	174	24	methodology	methodology	NOUN
fsr-3294	174	25	(	(	PUNCT
fsr-3294	174	26	federal	federal	PROPN
fsr-3294	174	27	reserve	reserve	PROPN
fsr-3294	174	28	,	,	PUNCT
fsr-3294	174	29	2014	2014	NUM
fsr-3294	174	30	)	)	PUNCT
fsr-3294	174	31	.	.	PUNCT
fsr-3294	175	1	5	5	X
fsr-3294	175	2	.	.	X
fsr-3294	175	3	results	result	VERB
fsr-3294	175	4	5.1	5.1	NUM
fsr-3294	175	5	.	.	PUNCT
fsr-3294	176	1	financial	financial	ADJ
fsr-3294	176	2	behaviors	behavior	NOUN
fsr-3294	176	3	comparison	comparison	NOUN
fsr-3294	176	4	results	result	NOUN
fsr-3294	176	5	preliminary	preliminary	ADJ
fsr-3294	176	6	results	result	NOUN
fsr-3294	176	7	from	from	ADP
fsr-3294	176	8	the	the	DET
fsr-3294	176	9	financial	financial	ADJ
fsr-3294	176	10	behavior	behavior	NOUN
fsr-3294	176	11	frequency	frequency	NOUN
fsr-3294	176	12	analysis	analysis	NOUN
fsr-3294	176	13	found	find	VERB
fsr-3294	176	14	that	that	SCONJ
fsr-3294	176	15	the	the	DET
fsr-3294	176	16	mean	mean	ADJ
fsr-3294	176	17	number	number	NOUN
fsr-3294	176	18	of	of	ADP
fsr-3294	176	19	affirmative	affirmative	ADJ
fsr-3294	176	20	savings	saving	NOUN
fsr-3294	176	21	behaviors	behavior	NOUN
fsr-3294	176	22	low	low	ADJ
fsr-3294	176	23	-	-	PUNCT
fsr-3294	176	24	income	income	NOUN
fsr-3294	176	25	employees	employee	NOUN
fsr-3294	176	26	engaged	engage	VERB
fsr-3294	176	27	in	in	ADP
fsr-3294	176	28	during	during	ADP
fsr-3294	176	29	2013	2013	NUM
fsr-3294	176	30	was	be	AUX
fsr-3294	176	31	significantly	significantly	ADV
fsr-3294	176	32	greater	great	ADJ
fsr-3294	176	33	than	than	ADP
fsr-3294	176	34	the	the	DET
fsr-3294	176	35	mean	mean	ADJ
fsr-3294	176	36	number	number	NOUN
fsr-3294	176	37	of	of	ADP
fsr-3294	176	38	affirmative	affirmative	ADJ
fsr-3294	176	39	savings	saving	NOUN
fsr-3294	176	40	behaviors	behavior	NOUN
fsr-3294	176	41	lowincome	lowincome	VERB
fsr-3294	176	42	employees	employee	NOUN
fsr-3294	176	43	engaged	engage	VERB
fsr-3294	176	44	in	in	ADP
fsr-3294	176	45	during	during	ADP
fsr-3294	176	46	2004	2004	NUM
fsr-3294	176	47	.	.	PUNCT
fsr-3294	177	1	as	as	SCONJ
fsr-3294	177	2	shown	show	VERB
fsr-3294	177	3	in	in	ADP
fsr-3294	177	4	table	table	NOUN
fsr-3294	177	5	5	5	NUM
fsr-3294	177	6	,	,	PUNCT
fsr-3294	177	7	low	low	ADJ
fsr-3294	177	8	-	-	PUNCT
fsr-3294	177	9	income	income	NOUN
fsr-3294	177	10	employees	employee	NOUN
fsr-3294	177	11	’	'	PUNCT
fsr-3294	177	12	mean	mean	AUX
fsr-3294	177	13	reported	report	VERB
fsr-3294	177	14	affirmative	affirmative	ADJ
fsr-3294	177	15	savings	saving	NOUN
fsr-3294	177	16	behaviors	behavior	NOUN
fsr-3294	177	17	was	be	AUX
fsr-3294	177	18	1.72	1.72	NUM
fsr-3294	177	19	for	for	ADP
fsr-3294	177	20	2013	2013	NUM
fsr-3294	177	21	and	and	CCONJ
fsr-3294	177	22	1.49	1.49	NUM
fsr-3294	177	23	for	for	ADP
fsr-3294	177	24	2004	2004	NUM
fsr-3294	177	25	.	.	PUNCT
fsr-3294	178	1	within	within	ADP
fsr-3294	178	2	the	the	DET
fsr-3294	178	3	individual	individual	ADJ
fsr-3294	178	4	savings	saving	NOUN
fsr-3294	178	5	behaviors	behavior	NOUN
fsr-3294	178	6	,	,	PUNCT
fsr-3294	178	7	the	the	DET
fsr-3294	178	8	percentage	percentage	NOUN
fsr-3294	178	9	of	of	ADP
fsr-3294	178	10	low	low	ADJ
fsr-3294	178	11	-	-	PUNCT
fsr-3294	178	12	income	income	NOUN
fsr-3294	178	13	employees	employee	NOUN
fsr-3294	178	14	who	who	PRON
fsr-3294	178	15	had	have	VERB
fsr-3294	178	16	a	a	DET
fsr-3294	178	17	savings	saving	NOUN
fsr-3294	178	18	account	account	NOUN
fsr-3294	178	19	,	,	PUNCT
fsr-3294	178	20	as	as	ADV
fsr-3294	178	21	well	well	ADV
fsr-3294	178	22	as	as	ADP
fsr-3294	178	23	those	those	PRON
fsr-3294	178	24	who	who	PRON
fsr-3294	178	25	reported	report	VERB
fsr-3294	178	26	having	have	VERB
fsr-3294	178	27	money	money	NOUN
fsr-3294	178	28	automatically	automatically	ADV
fsr-3294	178	29	deposited	deposit	VERB
fsr-3294	178	30	into	into	ADP
fsr-3294	178	31	an	an	DET
fsr-3294	178	32	account	account	NOUN
fsr-3294	178	33	,	,	PUNCT
fsr-3294	178	34	appeared	appear	VERB
fsr-3294	178	35	to	to	PART
fsr-3294	178	36	be	be	AUX
fsr-3294	178	37	greater	great	ADJ
fsr-3294	178	38	in	in	ADP
fsr-3294	178	39	2013	2013	NUM
fsr-3294	178	40	(	(	PUNCT
fsr-3294	178	41	see	see	VERB
fsr-3294	178	42	table	table	NOUN
fsr-3294	178	43	6	6	NUM
fsr-3294	178	44	)	)	PUNCT
fsr-3294	178	45	.	.	PUNCT
fsr-3294	179	1	there	there	PRON
fsr-3294	179	2	were	be	VERB
fsr-3294	179	3	also	also	ADV
fsr-3294	179	4	significant	significant	ADJ
fsr-3294	179	5	differences	difference	NOUN
fsr-3294	179	6	in	in	ADP
fsr-3294	179	7	the	the	DET
fsr-3294	179	8	mean	mean	ADJ
fsr-3294	179	9	number	number	NOUN
fsr-3294	179	10	of	of	ADP
fsr-3294	179	11	affirmative	affirmative	ADJ
fsr-3294	179	12	savings	saving	NOUN
fsr-3294	179	13	behaviors	behavior	NOUN
fsr-3294	179	14	between	between	ADP
fsr-3294	179	15	2004	2004	NUM
fsr-3294	179	16	and	and	CCONJ
fsr-3294	179	17	2013	2013	NUM
fsr-3294	179	18	for	for	ADP
fsr-3294	179	19	middle	middle	ADJ
fsr-3294	179	20	-	-	PUNCT
fsr-3294	179	21	income	income	NOUN
fsr-3294	179	22	employees	employee	NOUN
fsr-3294	179	23	and	and	CCONJ
fsr-3294	179	24	high	high	ADJ
fsr-3294	179	25	-	-	PUNCT
fsr-3294	179	26	income	income	NOUN
fsr-3294	179	27	employees	employee	NOUN
fsr-3294	179	28	,	,	PUNCT
fsr-3294	179	29	with	with	ADP
fsr-3294	179	30	both	both	DET
fsr-3294	179	31	groups	group	NOUN
fsr-3294	179	32	showing	show	VERB
fsr-3294	179	33	improved	improved	ADJ
fsr-3294	179	34	savings	saving	NOUN
fsr-3294	179	35	behaviors	behavior	NOUN
fsr-3294	179	36	(	(	PUNCT
fsr-3294	179	37	see	see	VERB
fsr-3294	179	38	table	table	NOUN
fsr-3294	179	39	5	5	NUM
fsr-3294	179	40	)	)	PUNCT
fsr-3294	179	41	.	.	PUNCT
fsr-3294	180	1	the	the	DET
fsr-3294	180	2	proportion	proportion	NOUN
fsr-3294	180	3	of	of	ADP
fsr-3294	180	4	individuals	individual	NOUN
fsr-3294	180	5	in	in	ADP
fsr-3294	180	6	both	both	DET
fsr-3294	180	7	groups	group	NOUN
fsr-3294	180	8	that	that	PRON
fsr-3294	180	9	had	have	VERB
fsr-3294	180	10	a	a	DET
fsr-3294	180	11	savings	saving	NOUN
fsr-3294	180	12	account	account	NOUN
fsr-3294	180	13	and	and	CCONJ
fsr-3294	180	14	had	have	VERB
fsr-3294	180	15	money	money	NOUN
fsr-3294	180	16	automatically	automatically	ADV
fsr-3294	180	17	deposited	deposit	VERB
fsr-3294	180	18	into	into	ADP
fsr-3294	180	19	a	a	DET
fsr-3294	180	20	savings	saving	NOUN
fsr-3294	180	21	account	account	NOUN
fsr-3294	180	22	increased	increase	VERB
fsr-3294	180	23	from	from	ADP
fsr-3294	180	24	pre	pre	ADJ
fsr-3294	180	25	-	-	ADJ
fsr-3294	180	26	financial	financial	ADJ
fsr-3294	180	27	crisis	crisis	NOUN
fsr-3294	180	28	to	to	ADP
fsr-3294	180	29	post	post	VERB
fsr-3294	180	30	-	-	ADJ
fsr-3294	180	31	financial	financial	ADJ
fsr-3294	180	32	crisis	crisis	NOUN
fsr-3294	180	33	(	(	PUNCT
fsr-3294	180	34	see	see	VERB
fsr-3294	180	35	table	table	NOUN
fsr-3294	180	36	6	6	NUM
fsr-3294	180	37	)	)	PUNCT
fsr-3294	180	38	.	.	PUNCT
fsr-3294	181	1	overall	overall	ADV
fsr-3294	181	2	,	,	PUNCT
fsr-3294	181	3	the	the	DET
fsr-3294	181	4	mean	mean	ADJ
fsr-3294	181	5	number	number	NOUN
fsr-3294	181	6	of	of	ADP
fsr-3294	181	7	affirmative	affirmative	ADJ
fsr-3294	181	8	cash	cash	NOUN
fsr-3294	181	9	flow	flow	NOUN
fsr-3294	181	10	management	management	NOUN
fsr-3294	181	11	behavior	behavior	NOUN
fsr-3294	181	12	among	among	ADP
fsr-3294	181	13	low	low	ADJ
fsr-3294	181	14	-	-	PUNCT
fsr-3294	181	15	income	income	NOUN
fsr-3294	181	16	employees	employee	NOUN
fsr-3294	181	17	and	and	CCONJ
fsr-3294	181	18	middle	middle	ADJ
fsr-3294	181	19	-	-	PUNCT
fsr-3294	181	20	income	income	NOUN
fsr-3294	181	21	employees	employee	NOUN
fsr-3294	181	22	increased	increase	VERB
fsr-3294	181	23	from	from	ADP
fsr-3294	181	24	2004	2004	NUM
fsr-3294	181	25	to	to	ADP
fsr-3294	181	26	2013	2013	NUM
fsr-3294	181	27	,	,	PUNCT
fsr-3294	181	28	while	while	SCONJ
fsr-3294	181	29	over	over	ADP
fsr-3294	181	30	the	the	DET
fsr-3294	181	31	same	same	ADJ
fsr-3294	181	32	table	table	NOUN
fsr-3294	181	33	5	5	NUM
fsr-3294	181	34	comparison	comparison	NOUN
fsr-3294	181	35	of	of	ADP
fsr-3294	181	36	financial	financial	ADJ
fsr-3294	181	37	behavior	behavior	NOUN
fsr-3294	181	38	frequency	frequency	NOUN
fsr-3294	181	39	results	result	NOUN
fsr-3294	181	40	,	,	PUNCT
fsr-3294	181	41	weighted	weight	VERB
fsr-3294	181	42	behavior	behavior	NOUN
fsr-3294	181	43	variables	variable	VERB
fsr-3294	181	44	low	low	ADJ
fsr-3294	181	45	-	-	PUNCT
fsr-3294	181	46	income	income	NOUN
fsr-3294	181	47	middle	middle	ADJ
fsr-3294	181	48	-	-	PUNCT
fsr-3294	181	49	income	income	NOUN
fsr-3294	181	50	high	high	ADJ
fsr-3294	181	51	-	-	PUNCT
fsr-3294	181	52	income	income	NOUN
fsr-3294	181	53	2004	2004	NUM
fsr-3294	181	54	2013	2013	NUM
fsr-3294	181	55	p	p	X
fsr-3294	181	56	2004	2004	NUM
fsr-3294	181	57	2013	2013	NUM
fsr-3294	181	58	p	p	X
fsr-3294	181	59	2004	2004	NUM
fsr-3294	181	60	2013	2013	NUM
fsr-3294	182	1	p	p	NOUN
fsr-3294	182	2	mean	mean	NOUN
fsr-3294	182	3	of	of	ADP
fsr-3294	182	4	cash	cash	NOUN
fsr-3294	182	5	flow	flow	NOUN
fsr-3294	182	6	1.99	1.99	NUM
fsr-3294	182	7	2.08	2.08	NUM
fsr-3294	182	8	�	�	NOUN
fsr-3294	182	9	0.05a	0.05a	NUM
fsr-3294	182	10	2.37	2.37	NUM
fsr-3294	182	11	2.48	2.48	NUM
fsr-3294	182	12	�	�	NOUN
fsr-3294	182	13	0.001a	0.001a	NOUN
fsr-3294	182	14	2.69	2.69	NUM
fsr-3294	182	15	2.70	2.70	NUM
fsr-3294	182	16	�	�	NOUN
fsr-3294	182	17	0.05a	0.05a	NUM
fsr-3294	182	18	mean	mean	NOUN
fsr-3294	182	19	of	of	ADP
fsr-3294	182	20	savings	saving	NOUN
fsr-3294	182	21	1.49	1.49	NUM
fsr-3294	182	22	1.72	1.72	NUM
fsr-3294	182	23	�	�	NOUN
fsr-3294	182	24	0.001a	0.001a	NOUN
fsr-3294	182	25	2.01	2.01	NUM
fsr-3294	182	26	2.25	2.25	NUM
fsr-3294	182	27	�	�	NOUN
fsr-3294	182	28	0.001a	0.001a	NOUN
fsr-3294	182	29	2.46	2.46	NUM
fsr-3294	182	30	2.57	2.57	NUM
fsr-3294	182	31	�	�	NOUN
fsr-3294	182	32	0.001a	0.001a	NOUN
fsr-3294	182	33	note	note	NOUN
fsr-3294	182	34	:	:	PUNCT
fsr-3294	182	35	samples	sample	NOUN
fsr-3294	182	36	are	be	AUX
fsr-3294	182	37	629	629	NUM
fsr-3294	182	38	(	(	PUNCT
fsr-3294	182	39	low	low	ADJ
fsr-3294	182	40	-	-	PUNCT
fsr-3294	182	41	income	income	NOUN
fsr-3294	182	42	in	in	ADP
fsr-3294	182	43	2004	2004	NUM
fsr-3294	182	44	)	)	PUNCT
fsr-3294	182	45	,	,	PUNCT
fsr-3294	182	46	987	987	NUM
fsr-3294	182	47	(	(	PUNCT
fsr-3294	182	48	low	low	ADJ
fsr-3294	182	49	-	-	PUNCT
fsr-3294	182	50	income	income	NOUN
fsr-3294	182	51	in	in	ADP
fsr-3294	182	52	2013	2013	NUM
fsr-3294	182	53	)	)	PUNCT
fsr-3294	182	54	,	,	PUNCT
fsr-3294	182	55	789	789	NUM
fsr-3294	182	56	(	(	PUNCT
fsr-3294	182	57	middle	middle	ADJ
fsr-3294	182	58	-	-	PUNCT
fsr-3294	182	59	income	income	NOUN
fsr-3294	182	60	in	in	ADP
fsr-3294	182	61	2004	2004	NUM
fsr-3294	182	62	)	)	PUNCT
fsr-3294	182	63	,	,	PUNCT
fsr-3294	182	64	1,002	1,002	NUM
fsr-3294	182	65	(	(	PUNCT
fsr-3294	182	66	middle	middle	ADJ
fsr-3294	182	67	-	-	PUNCT
fsr-3294	182	68	income	income	NOUN
fsr-3294	182	69	in	in	ADP
fsr-3294	182	70	2013	2013	NUM
fsr-3294	182	71	)	)	PUNCT
fsr-3294	182	72	,	,	PUNCT
fsr-3294	182	73	1,841	1,841	NUM
fsr-3294	182	74	(	(	PUNCT
fsr-3294	182	75	high	high	ADJ
fsr-3294	182	76	-	-	PUNCT
fsr-3294	182	77	income	income	NOUN
fsr-3294	182	78	in	in	ADP
fsr-3294	182	79	2004	2004	NUM
fsr-3294	182	80	)	)	PUNCT
fsr-3294	182	81	,	,	PUNCT
fsr-3294	182	82	and	and	CCONJ
fsr-3294	182	83	1,998	1,998	NUM
fsr-3294	182	84	(	(	PUNCT
fsr-3294	182	85	high	high	ADJ
fsr-3294	182	86	-	-	PUNCT
fsr-3294	182	87	income	income	NOUN
fsr-3294	182	88	in	in	ADP
fsr-3294	182	89	2013	2013	NUM
fsr-3294	182	90	)	)	PUNCT
fsr-3294	182	91	.	.	PUNCT
fsr-3294	183	1	afor	afor	PROPN
fsr-3294	183	2	mean	mean	PROPN
fsr-3294	183	3	comparisons	comparison	NOUN
fsr-3294	183	4	(	(	PUNCT
fsr-3294	183	5	i.e.	i.e.	X
fsr-3294	183	6	,	,	PUNCT
fsr-3294	183	7	t	t	PROPN
fsr-3294	183	8	test	test	NOUN
fsr-3294	183	9	)	)	PUNCT
fsr-3294	183	10	,	,	PUNCT
fsr-3294	183	11	alternative	alternative	ADJ
fsr-3294	183	12	hypotheses	hypothesis	NOUN
fsr-3294	183	13	are	be	AUX
fsr-3294	183	14	:	:	PUNCT
fsr-3294	183	15	mean	mean	ADJ
fsr-3294	183	16	value	value	NOUN
fsr-3294	183	17	in	in	ADP
fsr-3294	183	18	2013	2013	NUM
fsr-3294	183	19	is	be	AUX
fsr-3294	184	1	greater	great	ADJ
fsr-3294	184	2	than	than	SCONJ
fsr-3294	184	3	mean	mean	ADJ
fsr-3294	184	4	value	value	NOUN
fsr-3294	184	5	in	in	ADP
fsr-3294	184	6	2004	2004	NUM
fsr-3294	184	7	(	(	PUNCT
fsr-3294	184	8	i.e.	i.e.	X
fsr-3294	184	9	,	,	PUNCT
fsr-3294	184	10	one	one	NUM
fsr-3294	184	11	-	-	PUNCT
fsr-3294	184	12	tail	tail	NOUN
fsr-3294	184	13	comparison	comparison	NOUN
fsr-3294	184	14	)	)	PUNCT
fsr-3294	184	15	.	.	PUNCT
fsr-3294	185	1	28	28	NUM
fsr-3294	185	2	c.	c.	PROPN
fsr-3294	185	3	hudson	hudson	PROPN
fsr-3294	185	4	et	et	PROPN
fsr-3294	185	5	al	al	PROPN
fsr-3294	185	6	.	.	PUNCT
fsr-3294	185	7	/	/	SYM
fsr-3294	185	8	financial	financial	ADJ
fsr-3294	185	9	services	service	NOUN
fsr-3294	185	10	review	review	VERB
fsr-3294	185	11	26	26	NUM
fsr-3294	185	12	(	(	PUNCT
fsr-3294	185	13	2017	2017	NUM
fsr-3294	185	14	)	)	PUNCT
fsr-3294	185	15	19–36	19–36	NUM
fsr-3294	185	16	period	period	NOUN
fsr-3294	185	17	,	,	PUNCT
fsr-3294	185	18	the	the	DET
fsr-3294	185	19	mean	mean	ADJ
fsr-3294	185	20	number	number	NOUN
fsr-3294	185	21	of	of	ADP
fsr-3294	185	22	affirmative	affirmative	ADJ
fsr-3294	185	23	cash	cash	NOUN
fsr-3294	185	24	flow	flow	NOUN
fsr-3294	185	25	management	management	NOUN
fsr-3294	185	26	behavior	behavior	NOUN
fsr-3294	185	27	among	among	ADP
fsr-3294	185	28	high	high	ADJ
fsr-3294	185	29	-	-	PUNCT
fsr-3294	185	30	income	income	NOUN
fsr-3294	185	31	employees	employee	NOUN
fsr-3294	185	32	was	be	AUX
fsr-3294	185	33	unchanged	unchanged	ADJ
fsr-3294	185	34	(	(	PUNCT
fsr-3294	185	35	see	see	VERB
fsr-3294	185	36	table	table	NOUN
fsr-3294	185	37	5	5	NUM
fsr-3294	185	38	)	)	PUNCT
fsr-3294	185	39	.	.	PUNCT
fsr-3294	186	1	as	as	SCONJ
fsr-3294	186	2	shown	show	VERB
fsr-3294	186	3	in	in	ADP
fsr-3294	186	4	table	table	NOUN
fsr-3294	186	5	6	6	NUM
fsr-3294	186	6	,	,	PUNCT
fsr-3294	186	7	the	the	DET
fsr-3294	186	8	percentage	percentage	NOUN
fsr-3294	186	9	of	of	ADP
fsr-3294	186	10	low	low	ADJ
fsr-3294	186	11	-	-	PUNCT
fsr-3294	186	12	income	income	NOUN
fsr-3294	186	13	and	and	CCONJ
fsr-3294	186	14	middle	middle	ADJ
fsr-3294	186	15	-	-	PUNCT
fsr-3294	186	16	income	income	NOUN
fsr-3294	186	17	employees	employee	NOUN
fsr-3294	186	18	with	with	ADP
fsr-3294	186	19	checking	check	VERB
fsr-3294	186	20	accounts	account	NOUN
fsr-3294	186	21	increased	increase	VERB
fsr-3294	186	22	from	from	ADP
fsr-3294	186	23	2004	2004	NUM
fsr-3294	186	24	to	to	ADP
fsr-3294	186	25	2013	2013	NUM
fsr-3294	186	26	,	,	PUNCT
fsr-3294	186	27	and	and	CCONJ
fsr-3294	186	28	for	for	ADP
fsr-3294	186	29	middleincome	middleincome	PROPN
fsr-3294	186	30	employees	employee	NOUN
fsr-3294	186	31	,	,	PUNCT
fsr-3294	186	32	in	in	ADP
fsr-3294	186	33	particular	particular	ADJ
fsr-3294	186	34	,	,	PUNCT
fsr-3294	186	35	a	a	DET
fsr-3294	186	36	higher	high	ADJ
fsr-3294	186	37	proportion	proportion	NOUN
fsr-3294	186	38	in	in	ADP
fsr-3294	186	39	2013	2013	NUM
fsr-3294	186	40	appeared	appear	VERB
fsr-3294	186	41	to	to	PART
fsr-3294	186	42	be	be	AUX
fsr-3294	186	43	spending	spend	VERB
fsr-3294	186	44	less	less	ADJ
fsr-3294	186	45	than	than	ADP
fsr-3294	186	46	or	or	CCONJ
fsr-3294	186	47	equal	equal	ADJ
fsr-3294	186	48	to	to	ADP
fsr-3294	186	49	their	their	PRON
fsr-3294	186	50	total	total	ADJ
fsr-3294	186	51	income	income	NOUN
fsr-3294	186	52	.	.	PUNCT
fsr-3294	187	1	among	among	ADP
fsr-3294	187	2	high	high	ADJ
fsr-3294	187	3	-	-	PUNCT
fsr-3294	187	4	income	income	NOUN
fsr-3294	187	5	employees	employee	NOUN
fsr-3294	187	6	,	,	PUNCT
fsr-3294	187	7	there	there	PRON
fsr-3294	187	8	was	be	VERB
fsr-3294	187	9	relatively	relatively	ADV
fsr-3294	187	10	little	little	ADJ
fsr-3294	187	11	change	change	NOUN
fsr-3294	187	12	in	in	ADP
fsr-3294	187	13	the	the	DET
fsr-3294	187	14	mean	mean	ADJ
fsr-3294	187	15	number	number	NOUN
fsr-3294	187	16	of	of	ADP
fsr-3294	187	17	affirmative	affirmative	ADJ
fsr-3294	187	18	cash	cash	NOUN
fsr-3294	187	19	-	-	PUNCT
fsr-3294	187	20	flow	flow	NOUN
fsr-3294	187	21	management	management	NOUN
fsr-3294	187	22	behaviors	behavior	NOUN
fsr-3294	187	23	.	.	PUNCT
fsr-3294	188	1	again	again	ADV
fsr-3294	188	2	,	,	PUNCT
fsr-3294	188	3	these	these	DET
fsr-3294	188	4	results	result	NOUN
fsr-3294	188	5	were	be	AUX
fsr-3294	188	6	simply	simply	ADV
fsr-3294	188	7	preliminary	preliminary	ADJ
fsr-3294	188	8	results	result	NOUN
fsr-3294	188	9	.	.	PUNCT
fsr-3294	189	1	5.1	5.1	NUM
fsr-3294	189	2	.	.	PUNCT
fsr-3294	189	3	ordered	order	VERB
fsr-3294	189	4	logistic	logistic	ADJ
fsr-3294	189	5	regression	regression	NOUN
fsr-3294	189	6	results	result	NOUN
fsr-3294	189	7	results	result	VERB
fsr-3294	189	8	from	from	ADP
fsr-3294	189	9	the	the	DET
fsr-3294	189	10	ordered	order	VERB
fsr-3294	189	11	logistic	logistic	ADJ
fsr-3294	189	12	regression	regression	NOUN
fsr-3294	189	13	analysis	analysis	NOUN
fsr-3294	189	14	indicated	indicate	VERB
fsr-3294	189	15	that	that	SCONJ
fsr-3294	189	16	,	,	PUNCT
fsr-3294	189	17	following	follow	VERB
fsr-3294	189	18	the	the	DET
fsr-3294	189	19	crisis	crisis	NOUN
fsr-3294	189	20	,	,	PUNCT
fsr-3294	189	21	employees	employee	NOUN
fsr-3294	189	22	were	be	AUX
fsr-3294	189	23	53	53	NUM
fsr-3294	189	24	%	%	NOUN
fsr-3294	189	25	more	more	ADV
fsr-3294	189	26	likely	likely	ADJ
fsr-3294	189	27	to	to	PART
fsr-3294	189	28	report	report	VERB
fsr-3294	189	29	higher	high	ADJ
fsr-3294	189	30	savings	saving	NOUN
fsr-3294	189	31	behaviors	behavior	NOUN
fsr-3294	189	32	than	than	ADP
fsr-3294	189	33	before	before	ADP
fsr-3294	189	34	the	the	DET
fsr-3294	189	35	financial	financial	ADJ
fsr-3294	189	36	table	table	NOUN
fsr-3294	189	37	6	6	NUM
fsr-3294	189	38	financial	financial	ADJ
fsr-3294	189	39	behavior	behavior	NOUN
fsr-3294	189	40	frequency	frequency	NOUN
fsr-3294	189	41	results	result	NOUN
fsr-3294	189	42	,	,	PUNCT
fsr-3294	189	43	weighted	weight	VERB
fsr-3294	189	44	behavior	behavior	NOUN
fsr-3294	189	45	variables	variable	VERB
fsr-3294	189	46	low	low	ADJ
fsr-3294	189	47	-	-	PUNCT
fsr-3294	189	48	income	income	NOUN
fsr-3294	189	49	middle	middle	ADJ
fsr-3294	189	50	-	-	PUNCT
fsr-3294	189	51	income	income	NOUN
fsr-3294	189	52	high	high	ADJ
fsr-3294	189	53	-	-	PUNCT
fsr-3294	189	54	income	income	NOUN
fsr-3294	189	55	2004	2004	NUM
fsr-3294	189	56	(	(	PUNCT
fsr-3294	189	57	n	n	X
fsr-3294	189	58	�	�	PROPN
fsr-3294	189	59	629	629	NUM
fsr-3294	189	60	)	)	PUNCT
fsr-3294	189	61	2013	2013	NUM
fsr-3294	189	62	(	(	PUNCT
fsr-3294	189	63	n	n	X
fsr-3294	189	64	�	�	PROPN
fsr-3294	189	65	987	987	NUM
fsr-3294	189	66	)	)	PUNCT
fsr-3294	189	67	2004	2004	NUM
fsr-3294	189	68	(	(	PUNCT
fsr-3294	189	69	n	n	X
fsr-3294	189	70	�	�	PROPN
fsr-3294	189	71	789	789	NUM
fsr-3294	189	72	)	)	PUNCT
fsr-3294	189	73	2013	2013	NUM
fsr-3294	189	74	(	(	PUNCT
fsr-3294	189	75	n	n	X
fsr-3294	189	76	�	�	PROPN
fsr-3294	189	77	1,002	1,002	NUM
fsr-3294	189	78	)	)	PUNCT
fsr-3294	189	79	2004	2004	NUM
fsr-3294	189	80	(	(	PUNCT
fsr-3294	189	81	n	n	X
fsr-3294	189	82	�	�	PROPN
fsr-3294	189	83	1,841	1,841	NUM
fsr-3294	189	84	)	)	PUNCT
fsr-3294	189	85	2013	2013	NUM
fsr-3294	189	86	(	(	PUNCT
fsr-3294	189	87	n	n	X
fsr-3294	189	88	�	�	PROPN
fsr-3294	189	89	1,998	1,998	NUM
fsr-3294	189	90	)	)	PUNCT
fsr-3294	189	91	cash	cash	NOUN
fsr-3294	189	92	flow	flow	NOUN
fsr-3294	189	93	management	management	NOUN
fsr-3294	189	94	do	do	AUX
fsr-3294	189	95	you	you	PRON
fsr-3294	189	96	have	have	VERB
fsr-3294	189	97	a	a	DET
fsr-3294	189	98	checking	checking	NOUN
fsr-3294	189	99	account	account	NOUN
fsr-3294	189	100	?	?	PUNCT
fsr-3294	190	1	yes	yes	INTJ
fsr-3294	190	2	76.59	76.59	NUM
fsr-3294	190	3	%	%	NOUN
fsr-3294	190	4	83.48	83.48	NUM
fsr-3294	190	5	%	%	NOUN
fsr-3294	190	6	91.68	91.68	NUM
fsr-3294	190	7	%	%	NOUN
fsr-3294	190	8	96.26	96.26	NUM
fsr-3294	190	9	%	%	NOUN
fsr-3294	190	10	99.14	99.14	NUM
fsr-3294	190	11	%	%	NOUN
fsr-3294	190	12	99.77	99.77	NUM
fsr-3294	190	13	%	%	NOUN
fsr-3294	190	14	no	no	DET
fsr-3294	190	15	23.41	23.41	NUM
fsr-3294	190	16	%	%	NOUN
fsr-3294	190	17	16.52	16.52	NUM
fsr-3294	190	18	%	%	NOUN
fsr-3294	190	19	8.32	8.32	NUM
fsr-3294	190	20	%	%	NOUN
fsr-3294	190	21	3.74	3.74	NUM
fsr-3294	190	22	%	%	NOUN
fsr-3294	190	23	0.86	0.86	NUM
fsr-3294	190	24	%	%	NOUN
fsr-3294	190	25	0.23	0.23	NUM
fsr-3294	190	26	%	%	NOUN
fsr-3294	190	27	is	be	AUX
fsr-3294	190	28	your	your	PRON
fsr-3294	190	29	income	income	NOUN
fsr-3294	190	30	equal	equal	ADJ
fsr-3294	190	31	to	to	ADP
fsr-3294	190	32	or	or	CCONJ
fsr-3294	190	33	less	less	ADJ
fsr-3294	190	34	than	than	ADP
fsr-3294	190	35	your	your	PRON
fsr-3294	190	36	spending	spending	NOUN
fsr-3294	190	37	?	?	PUNCT
fsr-3294	191	1	yes	yes	INTJ
fsr-3294	191	2	75.32	75.32	NUM
fsr-3294	191	3	%	%	NOUN
fsr-3294	191	4	76.65	76.65	NUM
fsr-3294	191	5	%	%	NOUN
fsr-3294	191	6	77.08	77.08	NUM
fsr-3294	191	7	%	%	NOUN
fsr-3294	191	8	85.56	85.56	NUM
fsr-3294	191	9	%	%	NOUN
fsr-3294	191	10	88.78	88.78	NUM
fsr-3294	191	11	%	%	NOUN
fsr-3294	191	12	91.17	91.17	NUM
fsr-3294	191	13	%	%	NOUN
fsr-3294	191	14	no	no	DET
fsr-3294	191	15	24.68	24.68	NUM
fsr-3294	191	16	%	%	NOUN
fsr-3294	191	17	23.35	23.35	NUM
fsr-3294	191	18	%	%	NOUN
fsr-3294	191	19	22.92	22.92	NUM
fsr-3294	191	20	%	%	NOUN
fsr-3294	191	21	14.44	14.44	NUM
fsr-3294	191	22	%	%	NOUN
fsr-3294	191	23	11.22	11.22	NUM
fsr-3294	191	24	%	%	NOUN
fsr-3294	191	25	8.83	8.83	NUM
fsr-3294	191	26	%	%	NOUN
fsr-3294	191	27	do	do	AUX
fsr-3294	191	28	you	you	PRON
fsr-3294	191	29	pay	pay	VERB
fsr-3294	191	30	your	your	PRON
fsr-3294	191	31	loans	loan	NOUN
fsr-3294	191	32	on	on	ADP
fsr-3294	191	33	tine	tine	NOUN
fsr-3294	191	34	?	?	PUNCT
fsr-3294	192	1	yes	yes	INTJ
fsr-3294	192	2	47.74	47.74	NUM
fsr-3294	192	3	%	%	NOUN
fsr-3294	192	4	47.68	47.68	NUM
fsr-3294	192	5	%	%	NOUN
fsr-3294	192	6	65.36	65.36	NUM
fsr-3294	192	7	%	%	NOUN
fsr-3294	192	8	66.62	66.62	NUM
fsr-3294	192	9	%	%	NOUN
fsr-3294	192	10	81.87	81.87	NUM
fsr-3294	192	11	%	%	NOUN
fsr-3294	192	12	79.19	79.19	NUM
fsr-3294	192	13	%	%	NOUN
fsr-3294	192	14	no	no	DET
fsr-3294	192	15	52.26	52.26	NUM
fsr-3294	192	16	%	%	NOUN
fsr-3294	192	17	52.32	52.32	NUM
fsr-3294	192	18	%	%	NOUN
fsr-3294	192	19	34.64	34.64	NUM
fsr-3294	192	20	%	%	NOUN
fsr-3294	192	21	33.38	33.38	NUM
fsr-3294	192	22	%	%	NOUN
fsr-3294	192	23	18.13	18.13	NUM
fsr-3294	192	24	%	%	NOUN
fsr-3294	192	25	20.81	20.81	NUM
fsr-3294	192	26	%	%	NOUN
fsr-3294	192	27	total	total	ADJ
fsr-3294	192	28	cash	cash	NOUN
fsr-3294	192	29	flow	flow	NOUN
fsr-3294	192	30	management	management	NOUN
fsr-3294	192	31	none	none	NOUN
fsr-3294	192	32	4.72	4.72	NUM
fsr-3294	192	33	%	%	NOUN
fsr-3294	192	34	3.38	3.38	NUM
fsr-3294	192	35	%	%	NOUN
fsr-3294	192	36	2.10	2.10	NUM
fsr-3294	192	37	%	%	NOUN
fsr-3294	192	38	0.39	0.39	NUM
fsr-3294	192	39	%	%	NOUN
fsr-3294	192	40	0.15	0.15	NUM
fsr-3294	192	41	%	%	NOUN
fsr-3294	192	42	0.01	0.01	NUM
fsr-3294	192	43	%	%	NOUN
fsr-3294	192	44	one	one	NUM
fsr-3294	192	45	23.79	23.79	NUM
fsr-3294	192	46	%	%	NOUN
fsr-3294	192	47	18.40	18.40	NUM
fsr-3294	192	48	%	%	NOUN
fsr-3294	192	49	13.87	13.87	NUM
fsr-3294	192	50	%	%	NOUN
fsr-3294	192	51	8.13	8.13	NUM
fsr-3294	192	52	%	%	NOUN
fsr-3294	192	53	3.85	3.85	NUM
fsr-3294	192	54	%	%	NOUN
fsr-3294	192	55	2.66	2.66	NUM
fsr-3294	192	56	%	%	NOUN
fsr-3294	192	57	two	two	NUM
fsr-3294	192	58	38.59	38.59	NUM
fsr-3294	192	59	%	%	NOUN
fsr-3294	192	60	45.27	45.27	NUM
fsr-3294	192	61	%	%	NOUN
fsr-3294	192	62	31.84	31.84	NUM
fsr-3294	192	63	%	%	NOUN
fsr-3294	192	64	34.14	34.14	NUM
fsr-3294	192	65	%	%	NOUN
fsr-3294	192	66	22.06	22.06	NUM
fsr-3294	192	67	%	%	NOUN
fsr-3294	192	68	24.52	24.52	NUM
fsr-3294	192	69	%	%	NOUN
fsr-3294	192	70	three	three	NUM
fsr-3294	192	71	32.89	32.89	NUM
fsr-3294	192	72	%	%	NOUN
fsr-3294	192	73	32.96	32.96	NUM
fsr-3294	192	74	%	%	NOUN
fsr-3294	192	75	52.19	52.19	NUM
fsr-3294	192	76	%	%	NOUN
fsr-3294	192	77	57.34	57.34	NUM
fsr-3294	192	78	%	%	NOUN
fsr-3294	192	79	73.94	73.94	NUM
fsr-3294	192	80	%	%	NOUN
fsr-3294	192	81	72.81	72.81	NUM
fsr-3294	192	82	%	%	NOUN
fsr-3294	192	83	savings	saving	NOUN
fsr-3294	192	84	do	do	AUX
fsr-3294	192	85	you	you	PRON
fsr-3294	192	86	save	save	VERB
fsr-3294	192	87	on	on	ADP
fsr-3294	192	88	a	a	DET
fsr-3294	192	89	regular	regular	ADJ
fsr-3294	192	90	basis	basis	NOUN
fsr-3294	192	91	?	?	PUNCT
fsr-3294	193	1	yes	yes	INTJ
fsr-3294	193	2	65.40	65.40	NUM
fsr-3294	193	3	%	%	NOUN
fsr-3294	193	4	67.74	67.74	NUM
fsr-3294	193	5	%	%	NOUN
fsr-3294	193	6	76.72	76.72	NUM
fsr-3294	193	7	%	%	NOUN
fsr-3294	193	8	80.26	80.26	NUM
fsr-3294	193	9	%	%	NOUN
fsr-3294	193	10	93.06	93.06	NUM
fsr-3294	193	11	%	%	NOUN
fsr-3294	193	12	91.23	91.23	NUM
fsr-3294	193	13	%	%	NOUN
fsr-3294	193	14	no	no	DET
fsr-3294	193	15	34.60	34.60	NUM
fsr-3294	193	16	%	%	NOUN
fsr-3294	193	17	32.26	32.26	NUM
fsr-3294	193	18	%	%	NOUN
fsr-3294	193	19	23.28	23.28	NUM
fsr-3294	193	20	%	%	NOUN
fsr-3294	193	21	19.74	19.74	NUM
fsr-3294	193	22	%	%	NOUN
fsr-3294	193	23	6.94	6.94	NUM
fsr-3294	193	24	%	%	NOUN
fsr-3294	193	25	8.77	8.77	NUM
fsr-3294	193	26	%	%	NOUN
fsr-3294	193	27	do	do	AUX
fsr-3294	193	28	you	you	PRON
fsr-3294	193	29	have	have	VERB
fsr-3294	193	30	a	a	DET
fsr-3294	193	31	savings	savings	NOUN
fsr-3294	193	32	account	account	NOUN
fsr-3294	193	33	?	?	PUNCT
fsr-3294	194	1	yes	yes	INTJ
fsr-3294	194	2	35.42	35.42	NUM
fsr-3294	194	3	%	%	NOUN
fsr-3294	194	4	39.31	39.31	NUM
fsr-3294	194	5	%	%	NOUN
fsr-3294	194	6	56.81	56.81	NUM
fsr-3294	194	7	%	%	NOUN
fsr-3294	194	8	59.86	59.86	NUM
fsr-3294	194	9	%	%	NOUN
fsr-3294	194	10	69.75	69.75	NUM
fsr-3294	194	11	%	%	NOUN
fsr-3294	194	12	73.15	73.15	NUM
fsr-3294	194	13	%	%	NOUN
fsr-3294	194	14	no	no	DET
fsr-3294	194	15	64.58	64.58	NUM
fsr-3294	194	16	%	%	NOUN
fsr-3294	194	17	60.69	60.69	NUM
fsr-3294	194	18	%	%	NOUN
fsr-3294	194	19	43.19	43.19	NUM
fsr-3294	194	20	%	%	NOUN
fsr-3294	194	21	40.14	40.14	NUM
fsr-3294	194	22	%	%	NOUN
fsr-3294	194	23	30.25	30.25	NUM
fsr-3294	194	24	%	%	NOUN
fsr-3294	194	25	26.85	26.85	NUM
fsr-3294	194	26	%	%	NOUN
fsr-3294	194	27	do	do	AUX
fsr-3294	194	28	you	you	PRON
fsr-3294	194	29	have	have	VERB
fsr-3294	194	30	money	money	NOUN
fsr-3294	194	31	automatically	automatically	ADV
fsr-3294	194	32	deposited	deposit	VERB
fsr-3294	194	33	?	?	PUNCT
fsr-3294	195	1	yes	yes	INTJ
fsr-3294	195	2	47.79	47.79	NUM
fsr-3294	195	3	%	%	NOUN
fsr-3294	195	4	65.13	65.13	NUM
fsr-3294	195	5	%	%	NOUN
fsr-3294	195	6	66.77	66.77	NUM
fsr-3294	195	7	%	%	NOUN
fsr-3294	195	8	85.02	85.02	NUM
fsr-3294	195	9	%	%	NOUN
fsr-3294	195	10	83.67	83.67	NUM
fsr-3294	195	11	%	%	NOUN
fsr-3294	195	12	92.19	92.19	NUM
fsr-3294	195	13	%	%	NOUN
fsr-3294	196	1	no	no	DET
fsr-3294	196	2	52.21	52.21	NUM
fsr-3294	196	3	%	%	NOUN
fsr-3294	196	4	34.87	34.87	NUM
fsr-3294	196	5	%	%	NOUN
fsr-3294	196	6	33.23	33.23	NUM
fsr-3294	196	7	%	%	NOUN
fsr-3294	196	8	14.98	14.98	NUM
fsr-3294	196	9	%	%	NOUN
fsr-3294	196	10	16.33	16.33	NUM
fsr-3294	196	11	%	%	NOUN
fsr-3294	196	12	7.81	7.81	NUM
fsr-3294	196	13	%	%	NOUN
fsr-3294	196	14	total	total	ADJ
fsr-3294	196	15	savings	saving	NOUN
fsr-3294	196	16	none	none	NOUN
fsr-3294	196	17	17.46	17.46	NUM
fsr-3294	196	18	%	%	NOUN
fsr-3294	196	19	9.39	9.39	NUM
fsr-3294	196	20	%	%	NOUN
fsr-3294	196	21	6.89	6.89	NUM
fsr-3294	196	22	%	%	NOUN
fsr-3294	196	23	3.64	3.64	NUM
fsr-3294	196	24	%	%	NOUN
fsr-3294	196	25	0.84	0.84	NUM
fsr-3294	196	26	%	%	NOUN
fsr-3294	196	27	0.74	0.74	NUM
fsr-3294	196	28	%	%	NOUN
fsr-3294	196	29	one	one	NUM
fsr-3294	196	30	33.80	33.80	NUM
fsr-3294	196	31	%	%	NOUN
fsr-3294	196	32	32.13	32.13	NUM
fsr-3294	196	33	%	%	NOUN
fsr-3294	196	34	20.44	20.44	NUM
fsr-3294	196	35	%	%	NOUN
fsr-3294	196	36	15.44	15.44	NUM
fsr-3294	196	37	%	%	NOUN
fsr-3294	196	38	9.99	9.99	NUM
fsr-3294	196	39	%	%	NOUN
fsr-3294	196	40	7.05	7.05	NUM
fsr-3294	196	41	%	%	NOUN
fsr-3294	196	42	two	two	NUM
fsr-3294	196	43	31.41	31.41	NUM
fsr-3294	196	44	%	%	NOUN
fsr-3294	196	45	35.40	35.40	NUM
fsr-3294	196	46	%	%	NOUN
fsr-3294	196	47	38.15	38.15	NUM
fsr-3294	196	48	%	%	NOUN
fsr-3294	196	49	33.07	33.07	NUM
fsr-3294	196	50	%	%	NOUN
fsr-3294	196	51	31.02	31.02	NUM
fsr-3294	196	52	%	%	NOUN
fsr-3294	196	53	27.11	27.11	NUM
fsr-3294	196	54	%	%	NOUN
fsr-3294	196	55	three	three	NUM
fsr-3294	196	56	17.33	17.33	NUM
fsr-3294	196	57	%	%	NOUN
fsr-3294	196	58	23.08	23.08	NUM
fsr-3294	196	59	%	%	NOUN
fsr-3294	196	60	34.52	34.52	NUM
fsr-3294	196	61	%	%	NOUN
fsr-3294	196	62	47.85	47.85	NUM
fsr-3294	196	63	%	%	NOUN
fsr-3294	196	64	58.15	58.15	NUM
fsr-3294	196	65	%	%	NOUN
fsr-3294	196	66	65.10	65.10	NUM
fsr-3294	196	67	%	%	NOUN
fsr-3294	196	68	29c	29c	NOUN
fsr-3294	196	69	.	.	PUNCT
fsr-3294	197	1	hudson	hudson	PROPN
fsr-3294	197	2	et	et	PROPN
fsr-3294	197	3	al	al	PROPN
fsr-3294	197	4	.	.	PUNCT
fsr-3294	197	5	/	/	SYM
fsr-3294	197	6	financial	financial	ADJ
fsr-3294	197	7	services	service	NOUN
fsr-3294	197	8	review	review	VERB
fsr-3294	197	9	26	26	NUM
fsr-3294	197	10	(	(	PUNCT
fsr-3294	197	11	2017	2017	NUM
fsr-3294	197	12	)	)	PUNCT
fsr-3294	197	13	19–36	19–36	NUM
fsr-3294	197	14	crisis	crisis	NOUN
fsr-3294	197	15	,	,	PUNCT
fsr-3294	197	16	as	as	SCONJ
fsr-3294	197	17	shown	show	VERB
fsr-3294	197	18	in	in	ADP
fsr-3294	197	19	table	table	NOUN
fsr-3294	197	20	7	7	NUM
fsr-3294	197	21	.	.	PUNCT
fsr-3294	197	22	higher	high	ADJ
fsr-3294	197	23	income	income	NOUN
fsr-3294	197	24	households	household	NOUN
fsr-3294	197	25	were	be	AUX
fsr-3294	197	26	more	more	ADV
fsr-3294	197	27	likely	likely	ADJ
fsr-3294	197	28	to	to	PART
fsr-3294	197	29	exhibit	exhibit	VERB
fsr-3294	197	30	higher	high	ADJ
fsr-3294	197	31	overall	overall	ADJ
fsr-3294	197	32	savings	saving	NOUN
fsr-3294	197	33	behaviors	behavior	NOUN
fsr-3294	197	34	.	.	PUNCT
fsr-3294	198	1	if	if	SCONJ
fsr-3294	198	2	households	household	NOUN
fsr-3294	198	3	were	be	AUX
fsr-3294	198	4	to	to	PART
fsr-3294	198	5	move	move	VERB
fsr-3294	198	6	from	from	ADP
fsr-3294	198	7	the	the	DET
fsr-3294	198	8	low	low	ADJ
fsr-3294	198	9	-	-	PUNCT
fsr-3294	198	10	income	income	NOUN
fsr-3294	198	11	category	category	NOUN
fsr-3294	198	12	to	to	ADP
fsr-3294	198	13	the	the	DET
fsr-3294	198	14	middle	middle	ADJ
fsr-3294	198	15	-	-	PUNCT
fsr-3294	198	16	income	income	NOUN
fsr-3294	198	17	category	category	NOUN
fsr-3294	198	18	,	,	PUNCT
fsr-3294	198	19	they	they	PRON
fsr-3294	198	20	would	would	AUX
fsr-3294	198	21	be	be	AUX
fsr-3294	198	22	126	126	NUM
fsr-3294	198	23	%	%	NOUN
fsr-3294	198	24	more	more	ADV
fsr-3294	198	25	likely	likely	ADJ
fsr-3294	198	26	to	to	PART
fsr-3294	198	27	exhibit	exhibit	VERB
fsr-3294	198	28	higher	high	ADJ
fsr-3294	198	29	overall	overall	ADJ
fsr-3294	198	30	savings	saving	NOUN
fsr-3294	198	31	behaviors	behavior	NOUN
fsr-3294	198	32	.	.	PUNCT
fsr-3294	199	1	hispanics	hispanic	NOUN
fsr-3294	199	2	were	be	AUX
fsr-3294	199	3	48	48	NUM
fsr-3294	199	4	%	%	NOUN
fsr-3294	199	5	less	less	ADV
fsr-3294	199	6	likely	likely	ADJ
fsr-3294	199	7	relative	relative	ADJ
fsr-3294	199	8	to	to	ADP
fsr-3294	199	9	whites	white	NOUN
fsr-3294	199	10	to	to	PART
fsr-3294	199	11	report	report	VERB
fsr-3294	199	12	higher	high	ADJ
fsr-3294	199	13	overall	overall	ADJ
fsr-3294	199	14	savings	saving	NOUN
fsr-3294	199	15	behaviors	behavior	NOUN
fsr-3294	199	16	.	.	PUNCT
fsr-3294	200	1	those	those	PRON
fsr-3294	200	2	with	with	ADP
fsr-3294	200	3	more	more	ADJ
fsr-3294	200	4	education	education	NOUN
fsr-3294	200	5	were	be	AUX
fsr-3294	200	6	also	also	ADV
fsr-3294	200	7	more	more	ADV
fsr-3294	200	8	likely	likely	ADJ
fsr-3294	200	9	to	to	PART
fsr-3294	200	10	have	have	VERB
fsr-3294	200	11	higher	high	ADJ
fsr-3294	200	12	overall	overall	ADJ
fsr-3294	200	13	savings	saving	NOUN
fsr-3294	200	14	behaviors	behavior	NOUN
fsr-3294	200	15	.	.	PUNCT
fsr-3294	201	1	when	when	SCONJ
fsr-3294	201	2	the	the	DET
fsr-3294	201	3	ordered	order	VERB
fsr-3294	201	4	logit	logit	PROPN
fsr-3294	201	5	analysis	analysis	NOUN
fsr-3294	201	6	was	be	AUX
fsr-3294	201	7	limited	limit	VERB
fsr-3294	201	8	to	to	ADP
fsr-3294	201	9	specifically	specifically	ADV
fsr-3294	201	10	low	low	ADJ
fsr-3294	201	11	-	-	PUNCT
fsr-3294	201	12	income	income	NOUN
fsr-3294	201	13	employees	employee	NOUN
fsr-3294	201	14	,	,	PUNCT
fsr-3294	201	15	overall	overall	ADJ
fsr-3294	201	16	savings	saving	NOUN
fsr-3294	201	17	behavior	behavior	NOUN
fsr-3294	201	18	followed	follow	VERB
fsr-3294	201	19	similar	similar	ADJ
fsr-3294	201	20	patterns	pattern	NOUN
fsr-3294	201	21	to	to	ADP
fsr-3294	201	22	that	that	PRON
fsr-3294	201	23	of	of	ADP
fsr-3294	201	24	the	the	DET
fsr-3294	201	25	full	full	ADJ
fsr-3294	201	26	sample	sample	NOUN
fsr-3294	201	27	.	.	PUNCT
fsr-3294	202	1	low	low	ADJ
fsr-3294	202	2	-	-	PUNCT
fsr-3294	202	3	income	income	NOUN
fsr-3294	202	4	employees	employee	NOUN
fsr-3294	202	5	were	be	AUX
fsr-3294	202	6	55	55	NUM
fsr-3294	202	7	%	%	NOUN
fsr-3294	202	8	more	more	ADV
fsr-3294	202	9	likely	likely	ADJ
fsr-3294	202	10	to	to	PART
fsr-3294	202	11	report	report	VERB
fsr-3294	202	12	higher	high	ADJ
fsr-3294	202	13	savings	saving	NOUN
fsr-3294	202	14	behavior	behavior	NOUN
fsr-3294	202	15	following	follow	VERB
fsr-3294	202	16	the	the	DET
fsr-3294	202	17	crisis	crisis	NOUN
fsr-3294	202	18	(	(	PUNCT
fsr-3294	202	19	see	see	VERB
fsr-3294	202	20	table	table	NOUN
fsr-3294	202	21	7	7	NUM
fsr-3294	202	22	)	)	PUNCT
fsr-3294	202	23	.	.	PUNCT
fsr-3294	203	1	hispanics	hispanic	NOUN
fsr-3294	203	2	were	be	AUX
fsr-3294	203	3	55	55	NUM
fsr-3294	203	4	%	%	NOUN
fsr-3294	203	5	less	less	ADV
fsr-3294	203	6	likely	likely	ADJ
fsr-3294	203	7	to	to	PART
fsr-3294	203	8	report	report	VERB
fsr-3294	203	9	higher	high	ADJ
fsr-3294	203	10	savings	saving	NOUN
fsr-3294	203	11	behavior	behavior	NOUN
fsr-3294	203	12	relative	relative	ADJ
fsr-3294	203	13	to	to	ADP
fsr-3294	203	14	whites	white	NOUN
fsr-3294	203	15	,	,	PUNCT
fsr-3294	203	16	and	and	CCONJ
fsr-3294	203	17	those	those	PRON
fsr-3294	203	18	with	with	ADP
fsr-3294	203	19	higher	high	ADJ
fsr-3294	203	20	educational	educational	ADJ
fsr-3294	203	21	attainment	attainment	NOUN
fsr-3294	203	22	were	be	AUX
fsr-3294	203	23	44	44	NUM
fsr-3294	203	24	%	%	NOUN
fsr-3294	203	25	more	more	ADV
fsr-3294	203	26	likely	likely	ADJ
fsr-3294	203	27	to	to	PART
fsr-3294	203	28	have	have	VERB
fsr-3294	203	29	higher	high	ADJ
fsr-3294	203	30	savings	saving	NOUN
fsr-3294	203	31	behavior	behavior	NOUN
fsr-3294	203	32	among	among	ADP
fsr-3294	203	33	low	low	ADJ
fsr-3294	203	34	-	-	PUNCT
fsr-3294	203	35	income	income	NOUN
fsr-3294	203	36	employees	employee	NOUN
fsr-3294	203	37	.	.	PUNCT
fsr-3294	204	1	the	the	DET
fsr-3294	204	2	savings	saving	NOUN
fsr-3294	204	3	behavior	behavior	NOUN
fsr-3294	204	4	of	of	ADP
fsr-3294	204	5	middle	middle	ADJ
fsr-3294	204	6	-	-	PUNCT
fsr-3294	204	7	income	income	NOUN
fsr-3294	204	8	employees	employee	NOUN
fsr-3294	204	9	following	follow	VERB
fsr-3294	204	10	the	the	DET
fsr-3294	204	11	financial	financial	ADJ
fsr-3294	204	12	crisis	crisis	NOUN
fsr-3294	204	13	was	be	AUX
fsr-3294	204	14	significantly	significantly	ADV
fsr-3294	204	15	improved	improve	VERB
fsr-3294	204	16	and	and	CCONJ
fsr-3294	204	17	indicated	indicate	VERB
fsr-3294	204	18	a	a	DET
fsr-3294	204	19	strong	strong	ADJ
fsr-3294	204	20	positive	positive	ADJ
fsr-3294	204	21	association	association	NOUN
fsr-3294	204	22	with	with	ADP
fsr-3294	204	23	education	education	NOUN
fsr-3294	204	24	.	.	PUNCT
fsr-3294	205	1	middle	middle	ADJ
fsr-3294	205	2	-	-	PUNCT
fsr-3294	205	3	income	income	NOUN
fsr-3294	205	4	employees	employee	NOUN
fsr-3294	205	5	were	be	AUX
fsr-3294	205	6	more	more	ADV
fsr-3294	205	7	likely	likely	ADJ
fsr-3294	205	8	than	than	SCONJ
fsr-3294	205	9	lowand	lowand	ADJ
fsr-3294	205	10	high	high	ADJ
fsr-3294	205	11	-	-	PUNCT
fsr-3294	205	12	income	income	NOUN
fsr-3294	205	13	employees	employee	NOUN
fsr-3294	205	14	to	to	PART
fsr-3294	205	15	have	have	VERB
fsr-3294	205	16	higher	high	ADJ
fsr-3294	205	17	savings	saving	NOUN
fsr-3294	205	18	behavior	behavior	NOUN
fsr-3294	205	19	following	follow	VERB
fsr-3294	205	20	the	the	DET
fsr-3294	205	21	crisis	crisis	NOUN
fsr-3294	205	22	.	.	PUNCT
fsr-3294	206	1	hispanics	hispanic	NOUN
fsr-3294	206	2	were	be	AUX
fsr-3294	206	3	40	40	NUM
fsr-3294	206	4	%	%	NOUN
fsr-3294	206	5	less	less	ADV
fsr-3294	206	6	likely	likely	ADJ
fsr-3294	206	7	to	to	PART
fsr-3294	206	8	report	report	VERB
fsr-3294	206	9	higher	high	ADJ
fsr-3294	206	10	savings	saving	NOUN
fsr-3294	206	11	behavior	behavior	NOUN
fsr-3294	206	12	than	than	ADP
fsr-3294	206	13	whites	white	NOUN
fsr-3294	206	14	among	among	ADP
fsr-3294	206	15	middle	middle	ADJ
fsr-3294	206	16	-	-	PUNCT
fsr-3294	206	17	income	income	NOUN
fsr-3294	206	18	employees	employee	NOUN
fsr-3294	206	19	from	from	ADP
fsr-3294	206	20	2004	2004	NUM
fsr-3294	206	21	to	to	ADP
fsr-3294	206	22	2013	2013	NUM
fsr-3294	206	23	.	.	PUNCT
fsr-3294	207	1	high	high	ADJ
fsr-3294	207	2	-	-	PUNCT
fsr-3294	207	3	income	income	NOUN
fsr-3294	207	4	employees	employee	NOUN
fsr-3294	207	5	were	be	AUX
fsr-3294	207	6	also	also	ADV
fsr-3294	207	7	more	more	ADV
fsr-3294	207	8	likely	likely	ADJ
fsr-3294	207	9	to	to	PART
fsr-3294	207	10	have	have	VERB
fsr-3294	207	11	higher	high	ADJ
fsr-3294	207	12	savings	saving	NOUN
fsr-3294	207	13	behavior	behavior	NOUN
fsr-3294	207	14	following	follow	VERB
fsr-3294	207	15	the	the	DET
fsr-3294	207	16	financial	financial	ADJ
fsr-3294	207	17	crisis	crisis	NOUN
fsr-3294	207	18	.	.	PUNCT
fsr-3294	208	1	among	among	ADP
fsr-3294	208	2	high	high	ADJ
fsr-3294	208	3	-	-	PUNCT
fsr-3294	208	4	income	income	NOUN
fsr-3294	208	5	employees	employee	NOUN
fsr-3294	208	6	,	,	PUNCT
fsr-3294	208	7	a	a	DET
fsr-3294	208	8	racial	racial	ADJ
fsr-3294	208	9	gap	gap	NOUN
fsr-3294	208	10	was	be	AUX
fsr-3294	208	11	observed	observe	VERB
fsr-3294	208	12	.	.	PUNCT
fsr-3294	209	1	blacks	black	NOUN
fsr-3294	209	2	were	be	AUX
fsr-3294	209	3	30	30	NUM
fsr-3294	209	4	%	%	NOUN
fsr-3294	209	5	less	less	ADV
fsr-3294	209	6	likely	likely	ADJ
fsr-3294	209	7	than	than	ADP
fsr-3294	209	8	whites	white	NOUN
fsr-3294	209	9	to	to	PART
fsr-3294	209	10	have	have	VERB
fsr-3294	209	11	higher	high	ADJ
fsr-3294	209	12	savings	saving	NOUN
fsr-3294	209	13	behavior	behavior	NOUN
fsr-3294	209	14	.	.	PUNCT
fsr-3294	210	1	the	the	DET
fsr-3294	210	2	racial	racial	ADJ
fsr-3294	210	3	gap	gap	NOUN
fsr-3294	210	4	between	between	ADP
fsr-3294	210	5	blacks	black	NOUN
fsr-3294	210	6	and	and	CCONJ
fsr-3294	210	7	whites	white	NOUN
fsr-3294	210	8	was	be	AUX
fsr-3294	210	9	not	not	PART
fsr-3294	210	10	observed	observe	VERB
fsr-3294	210	11	among	among	ADP
fsr-3294	210	12	lowand	lowand	ADJ
fsr-3294	210	13	middle	middle	ADJ
fsr-3294	210	14	-	-	PUNCT
fsr-3294	210	15	income	income	NOUN
fsr-3294	210	16	employees	employee	NOUN
fsr-3294	210	17	;	;	PUNCT
fsr-3294	210	18	rather	rather	ADV
fsr-3294	210	19	,	,	PUNCT
fsr-3294	210	20	an	an	DET
fsr-3294	210	21	ethnicity	ethnicity	NOUN
fsr-3294	210	22	gap	gap	NOUN
fsr-3294	210	23	between	between	ADP
fsr-3294	210	24	hispanics	hispanic	NOUN
fsr-3294	210	25	and	and	CCONJ
fsr-3294	210	26	whites	white	NOUN
fsr-3294	210	27	was	be	AUX
fsr-3294	210	28	observed	observe	VERB
fsr-3294	210	29	among	among	ADP
fsr-3294	210	30	lowand	lowand	ADJ
fsr-3294	210	31	middle	middle	ADJ
fsr-3294	210	32	-	-	PUNCT
fsr-3294	210	33	income	income	NOUN
fsr-3294	210	34	employees	employee	NOUN
fsr-3294	210	35	.	.	PUNCT
fsr-3294	211	1	similar	similar	ADJ
fsr-3294	211	2	to	to	ADP
fsr-3294	211	3	savings	saving	NOUN
fsr-3294	211	4	behavior	behavior	NOUN
fsr-3294	211	5	,	,	PUNCT
fsr-3294	211	6	all	all	DET
fsr-3294	211	7	employees	employee	NOUN
fsr-3294	211	8	were	be	AUX
fsr-3294	211	9	15	15	NUM
fsr-3294	211	10	%	%	NOUN
fsr-3294	211	11	more	more	ADV
fsr-3294	211	12	likely	likely	ADJ
fsr-3294	211	13	to	to	PART
fsr-3294	211	14	report	report	VERB
fsr-3294	211	15	better	well	ADJ
fsr-3294	211	16	cash	cash	NOUN
fsr-3294	211	17	flow	flow	NOUN
fsr-3294	211	18	management	management	NOUN
fsr-3294	211	19	behavior	behavior	NOUN
fsr-3294	211	20	following	follow	VERB
fsr-3294	211	21	the	the	DET
fsr-3294	211	22	financial	financial	ADJ
fsr-3294	211	23	crisis	crisis	NOUN
fsr-3294	211	24	(	(	PUNCT
fsr-3294	211	25	see	see	VERB
fsr-3294	211	26	table	table	NOUN
fsr-3294	211	27	8)	8)	NUM
fsr-3294	211	28	.	.	PUNCT
fsr-3294	211	29	increased	increase	VERB
fsr-3294	211	30	income	income	NOUN
fsr-3294	211	31	was	be	AUX
fsr-3294	211	32	associated	associate	VERB
fsr-3294	211	33	with	with	ADP
fsr-3294	211	34	a	a	DET
fsr-3294	211	35	higher	high	ADJ
fsr-3294	211	36	likelihood	likelihood	NOUN
fsr-3294	211	37	of	of	ADP
fsr-3294	211	38	increased	increase	VERB
fsr-3294	211	39	cash	cash	NOUN
fsr-3294	211	40	flow	flow	NOUN
fsr-3294	211	41	management	management	NOUN
fsr-3294	211	42	behavior	behavior	NOUN
fsr-3294	211	43	.	.	PUNCT
fsr-3294	212	1	education	education	NOUN
fsr-3294	212	2	and	and	CCONJ
fsr-3294	212	3	age	age	NOUN
fsr-3294	212	4	were	be	AUX
fsr-3294	212	5	also	also	ADV
fsr-3294	212	6	positively	positively	ADV
fsr-3294	212	7	associated	associate	VERB
fsr-3294	212	8	with	with	ADP
fsr-3294	212	9	increased	increase	VERB
fsr-3294	212	10	cash	cash	NOUN
fsr-3294	212	11	flow	flow	NOUN
fsr-3294	212	12	management	management	NOUN
fsr-3294	212	13	behavior	behavior	NOUN
fsr-3294	212	14	in	in	ADP
fsr-3294	212	15	2013	2013	NUM
fsr-3294	212	16	when	when	SCONJ
fsr-3294	212	17	compared	compare	VERB
fsr-3294	212	18	with	with	ADP
fsr-3294	212	19	2004	2004	NUM
fsr-3294	212	20	.	.	PUNCT
fsr-3294	213	1	minorities	minority	NOUN
fsr-3294	213	2	were	be	AUX
fsr-3294	213	3	less	less	ADV
fsr-3294	213	4	likely	likely	ADJ
fsr-3294	213	5	to	to	PART
fsr-3294	213	6	have	have	VERB
fsr-3294	213	7	higher	high	ADJ
fsr-3294	213	8	cash	cash	NOUN
fsr-3294	213	9	flow	flow	NOUN
fsr-3294	213	10	management	management	NOUN
fsr-3294	213	11	behavior	behavior	NOUN
fsr-3294	213	12	in	in	ADP
fsr-3294	213	13	2013	2013	NUM
fsr-3294	213	14	compared	compare	VERB
fsr-3294	213	15	with	with	ADP
fsr-3294	213	16	whites	white	NOUN
fsr-3294	213	17	.	.	PUNCT
fsr-3294	214	1	in	in	ADP
fsr-3294	214	2	contrast	contrast	NOUN
fsr-3294	214	3	to	to	ADP
fsr-3294	214	4	the	the	DET
fsr-3294	214	5	total	total	ADJ
fsr-3294	214	6	sample	sample	NOUN
fsr-3294	214	7	,	,	PUNCT
fsr-3294	214	8	low	low	ADJ
fsr-3294	214	9	-	-	PUNCT
fsr-3294	214	10	income	income	NOUN
fsr-3294	214	11	employees	employee	NOUN
fsr-3294	214	12	’	’	PART
fsr-3294	214	13	cash	cash	NOUN
fsr-3294	214	14	flow	flow	NOUN
fsr-3294	214	15	management	management	NOUN
fsr-3294	214	16	behavior	behavior	NOUN
fsr-3294	214	17	did	do	AUX
fsr-3294	214	18	not	not	PART
fsr-3294	214	19	change	change	VERB
fsr-3294	214	20	following	follow	VERB
fsr-3294	214	21	the	the	DET
fsr-3294	214	22	crisis	crisis	NOUN
fsr-3294	214	23	when	when	SCONJ
fsr-3294	214	24	other	other	ADJ
fsr-3294	214	25	factors	factor	NOUN
fsr-3294	214	26	were	be	AUX
fsr-3294	214	27	controlled	control	VERB
fsr-3294	214	28	for	for	ADP
fsr-3294	214	29	,	,	PUNCT
fsr-3294	214	30	as	as	SCONJ
fsr-3294	214	31	shown	show	VERB
fsr-3294	214	32	in	in	ADP
fsr-3294	214	33	table	table	NOUN
fsr-3294	214	34	8	8	NUM
fsr-3294	214	35	.	.	PUNCT
fsr-3294	214	36	similar	similar	ADJ
fsr-3294	214	37	to	to	ADP
fsr-3294	214	38	the	the	DET
fsr-3294	214	39	model	model	NOUN
fsr-3294	214	40	for	for	ADP
fsr-3294	214	41	all	all	DET
fsr-3294	214	42	employees	employee	NOUN
fsr-3294	214	43	,	,	PUNCT
fsr-3294	214	44	low	low	ADJ
fsr-3294	214	45	-	-	PUNCT
fsr-3294	214	46	income	income	NOUN
fsr-3294	214	47	employees	employee	NOUN
fsr-3294	214	48	with	with	ADP
fsr-3294	214	49	higher	high	ADJ
fsr-3294	214	50	education	education	NOUN
fsr-3294	214	51	and	and	CCONJ
fsr-3294	214	52	who	who	PRON
fsr-3294	214	53	were	be	AUX
fsr-3294	214	54	older	old	ADJ
fsr-3294	214	55	were	be	AUX
fsr-3294	214	56	35	35	NUM
fsr-3294	214	57	and	and	CCONJ
fsr-3294	214	58	2	2	NUM
fsr-3294	214	59	%	%	NOUN
fsr-3294	214	60	more	more	ADV
fsr-3294	214	61	likely	likely	ADJ
fsr-3294	214	62	to	to	PART
fsr-3294	214	63	report	report	VERB
fsr-3294	214	64	higher	high	ADJ
fsr-3294	214	65	cash	cash	NOUN
fsr-3294	214	66	flow	flow	NOUN
fsr-3294	214	67	management	management	NOUN
fsr-3294	214	68	behavior	behavior	NOUN
fsr-3294	214	69	for	for	ADP
fsr-3294	214	70	each	each	DET
fsr-3294	214	71	incremental	incremental	ADJ
fsr-3294	214	72	increase	increase	NOUN
fsr-3294	214	73	in	in	ADP
fsr-3294	214	74	education	education	NOUN
fsr-3294	214	75	and	and	CCONJ
fsr-3294	214	76	age	age	NOUN
fsr-3294	214	77	,	,	PUNCT
fsr-3294	214	78	respectively	respectively	ADV
fsr-3294	214	79	.	.	PUNCT
fsr-3294	215	1	racial	racial	ADJ
fsr-3294	215	2	and	and	CCONJ
fsr-3294	215	3	ethnic	ethnic	ADJ
fsr-3294	215	4	differences	difference	NOUN
fsr-3294	215	5	were	be	AUX
fsr-3294	215	6	observed	observe	VERB
fsr-3294	215	7	across	across	ADP
fsr-3294	215	8	all	all	DET
fsr-3294	215	9	income	income	NOUN
fsr-3294	215	10	categories	category	NOUN
fsr-3294	215	11	.	.	PUNCT
fsr-3294	216	1	middle	middle	ADJ
fsr-3294	216	2	-	-	PUNCT
fsr-3294	216	3	income	income	NOUN
fsr-3294	216	4	employees	employee	NOUN
fsr-3294	216	5	were	be	AUX
fsr-3294	216	6	31	31	NUM
fsr-3294	216	7	%	%	NOUN
fsr-3294	216	8	more	more	ADV
fsr-3294	216	9	likely	likely	ADJ
fsr-3294	216	10	to	to	PART
fsr-3294	216	11	have	have	VERB
fsr-3294	216	12	higher	high	ADJ
fsr-3294	216	13	cash	cash	NOUN
fsr-3294	216	14	flow	flow	NOUN
fsr-3294	216	15	management	management	NOUN
fsr-3294	216	16	practices	practice	NOUN
fsr-3294	216	17	following	follow	VERB
fsr-3294	216	18	the	the	DET
fsr-3294	216	19	financial	financial	ADJ
fsr-3294	216	20	crisis	crisis	NOUN
fsr-3294	216	21	.	.	PUNCT
fsr-3294	217	1	middle	middle	ADJ
fsr-3294	217	2	-	-	PUNCT
fsr-3294	217	3	income	income	NOUN
fsr-3294	217	4	employees	employee	NOUN
fsr-3294	217	5	were	be	AUX
fsr-3294	217	6	the	the	DET
fsr-3294	217	7	only	only	ADJ
fsr-3294	217	8	subgroup	subgroup	NOUN
fsr-3294	217	9	of	of	ADP
fsr-3294	217	10	employees	employee	NOUN
fsr-3294	217	11	more	more	ADV
fsr-3294	217	12	likely	likely	ADJ
fsr-3294	217	13	to	to	PART
fsr-3294	217	14	have	have	VERB
fsr-3294	217	15	higher	high	ADJ
fsr-3294	217	16	savings	saving	NOUN
fsr-3294	217	17	behavior	behavior	NOUN
fsr-3294	217	18	and	and	CCONJ
fsr-3294	217	19	cash	cash	NOUN
fsr-3294	217	20	flow	flow	NOUN
fsr-3294	217	21	management	management	NOUN
fsr-3294	217	22	behavior	behavior	NOUN
fsr-3294	217	23	following	follow	VERB
fsr-3294	217	24	the	the	DET
fsr-3294	217	25	financial	financial	ADJ
fsr-3294	217	26	crisis	crisis	NOUN
fsr-3294	217	27	.	.	PUNCT
fsr-3294	218	1	among	among	ADP
fsr-3294	218	2	high	high	ADJ
fsr-3294	218	3	-	-	PUNCT
fsr-3294	218	4	income	income	NOUN
fsr-3294	218	5	employees	employee	NOUN
fsr-3294	218	6	,	,	PUNCT
fsr-3294	218	7	overall	overall	ADJ
fsr-3294	218	8	cash	cash	NOUN
fsr-3294	218	9	flow	flow	NOUN
fsr-3294	218	10	management	management	NOUN
fsr-3294	218	11	behavior	behavior	NOUN
fsr-3294	218	12	was	be	AUX
fsr-3294	218	13	not	not	PART
fsr-3294	218	14	different	different	ADJ
fsr-3294	218	15	before	before	ADP
fsr-3294	218	16	or	or	CCONJ
fsr-3294	218	17	after	after	ADP
fsr-3294	218	18	the	the	DET
fsr-3294	218	19	crisis	crisis	NOUN
fsr-3294	218	20	.	.	PUNCT
fsr-3294	219	1	however	however	ADV
fsr-3294	219	2	,	,	PUNCT
fsr-3294	219	3	among	among	ADP
fsr-3294	219	4	high	high	ADJ
fsr-3294	219	5	-	-	PUNCT
fsr-3294	219	6	income	income	NOUN
fsr-3294	219	7	employees	employee	NOUN
fsr-3294	219	8	,	,	PUNCT
fsr-3294	219	9	blacks	black	NOUN
fsr-3294	219	10	and	and	CCONJ
fsr-3294	219	11	hispanics	hispanic	NOUN
fsr-3294	219	12	were	be	AUX
fsr-3294	219	13	less	less	ADV
fsr-3294	219	14	likely	likely	ADJ
fsr-3294	219	15	to	to	PART
fsr-3294	219	16	have	have	VERB
fsr-3294	219	17	high	high	ADJ
fsr-3294	219	18	cash	cash	NOUN
fsr-3294	219	19	flow	flow	NOUN
fsr-3294	219	20	management	management	NOUN
fsr-3294	219	21	behavior	behavior	NOUN
fsr-3294	219	22	relative	relative	ADJ
fsr-3294	219	23	to	to	ADP
fsr-3294	219	24	white	white	ADJ
fsr-3294	219	25	households	household	NOUN
fsr-3294	219	26	.	.	PUNCT
fsr-3294	220	1	30	30	NUM
fsr-3294	220	2	c.	c.	PROPN
fsr-3294	220	3	hudson	hudson	PROPN
fsr-3294	220	4	et	et	PROPN
fsr-3294	220	5	al	al	PROPN
fsr-3294	220	6	.	.	PUNCT
fsr-3294	220	7	/	/	SYM
fsr-3294	220	8	financial	financial	ADJ
fsr-3294	220	9	services	service	NOUN
fsr-3294	220	10	review	review	VERB
fsr-3294	220	11	26	26	NUM
fsr-3294	220	12	(	(	PUNCT
fsr-3294	220	13	2017	2017	NUM
fsr-3294	220	14	)	)	PUNCT
fsr-3294	221	1	19–36	19–36	PROPN
fsr-3294	221	2	t	t	PROPN
fsr-3294	221	3	ab	ab	PROPN
fsr-3294	221	4	le	le	X
fsr-3294	221	5	7	7	PROPN
fsr-3294	221	6	sa	sa	PROPN
fsr-3294	221	7	vi	vi	PROPN
fsr-3294	221	8	ng	ng	PROPN
fsr-3294	221	9	be	be	AUX
fsr-3294	221	10	ha	ha	INTJ
fsr-3294	221	11	vi	vi	NOUN
fsr-3294	221	12	or	or	CCONJ
fsr-3294	221	13	ch	ch	NOUN
fsr-3294	221	14	an	an	DET
fsr-3294	221	15	ge	ge	PROPN
fsr-3294	221	16	be	be	AUX
fsr-3294	221	17	tw	tw	INTJ
fsr-3294	221	18	ee	ee	ADP
fsr-3294	221	19	n	n	ADV
fsr-3294	221	20	20	20	NUM
fsr-3294	221	21	04	04	NUM
fsr-3294	222	1	an	an	DET
fsr-3294	222	2	d	d	NOUN
fsr-3294	222	3	20	20	NUM
fsr-3294	222	4	13	13	NUM
fsr-3294	222	5	t	t	NOUN
fsr-3294	222	6	ot	ot	NOUN
fsr-3294	222	7	al	al	PROPN
fsr-3294	222	8	sa	sa	PROPN
fsr-3294	222	9	m	m	PROPN
fsr-3294	222	10	pl	pl	PROPN
fsr-3294	222	11	ea	ea	NUM
fsr-3294	222	12	h	h	PROPN
fsr-3294	222	13	ig	ig	PROPN
fsr-3294	222	14	hin	hin	PROPN
fsr-3294	222	15	co	co	PROPN
fsr-3294	222	16	m	m	PROPN
fsr-3294	222	17	eb	eb	PROPN
fsr-3294	222	18	m	m	PROPN
fsr-3294	222	19	i	i	PROPN
fsr-3294	222	20	d	d	PROPN
fsr-3294	222	21	dl	dl	PROPN
fsr-3294	222	22	ein	ein	PROPN
fsr-3294	222	23	co	co	VERB
fsr-3294	222	24	m	m	PROPN
fsr-3294	222	25	ec	ec	PROPN
fsr-3294	222	26	l	l	NOUN
fsr-3294	223	1	ow	ow	INTJ
fsr-3294	223	2	-i	-i	PROPN
fsr-3294	223	3	nc	nc	PROPN
fsr-3294	223	4	om	om	PROPN
fsr-3294	223	5	ed	ed	PROPN
fsr-3294	223	6	n	n	PROPN
fsr-3294	223	7	�	�	PROPN
fsr-3294	223	8	7	7	NUM
fsr-3294	223	9	,	,	PUNCT
fsr-3294	223	10	24	24	NUM
fsr-3294	223	11	6	6	NUM
fsr-3294	223	12	n	n	PRON
fsr-3294	223	13	�	�	PROPN
fsr-3294	223	14	3	3	NUM
fsr-3294	223	15	,	,	PUNCT
fsr-3294	223	16	83	83	NUM
fsr-3294	223	17	9	9	NUM
fsr-3294	223	18	n	n	PRON
fsr-3294	223	19	�	�	PROPN
fsr-3294	223	20	1	1	NUM
fsr-3294	223	21	,	,	PUNCT
fsr-3294	223	22	79	79	NUM
fsr-3294	223	23	1	1	NUM
fsr-3294	223	24	n	n	PRON
fsr-3294	223	25	�	�	PROPN
fsr-3294	223	26	1	1	NUM
fsr-3294	223	27	,	,	PUNCT
fsr-3294	223	28	61	61	NUM
fsr-3294	223	29	6	6	NUM
fsr-3294	223	30	b	b	NOUN
fsr-3294	223	31	o	o	NOUN
fsr-3294	223	32	r	r	NOUN
fsr-3294	223	33	b	b	NOUN
fsr-3294	223	34	o	o	NOUN
fsr-3294	223	35	r	r	NOUN
fsr-3294	223	36	b	b	NOUN
fsr-3294	223	37	o	o	NOUN
fsr-3294	223	38	r	r	NOUN
fsr-3294	223	39	b	b	NOUN
fsr-3294	223	40	o	o	NOUN
fsr-3294	223	41	r	r	X
fsr-3294	223	42	po	po	X
fsr-3294	223	43	st	st	PROPN
fsr-3294	223	44	-c	-c	X
fsr-3294	223	45	ri	ri	PROPN
fsr-3294	223	46	si	si	X
fsr-3294	223	47	s	s	X
fsr-3294	223	48	(	(	PUNCT
fsr-3294	223	49	a	a	DET
fsr-3294	223	50	ft	ft	NOUN
fsr-3294	223	51	er	er	INTJ
fsr-3294	223	52	cr	cr	PROPN
fsr-3294	223	53	is	be	AUX
fsr-3294	223	54	is	be	AUX
fsr-3294	223	55	�	�	PROPN
fsr-3294	223	56	1	1	NUM
fsr-3294	223	57	)	)	PUNCT
fsr-3294	223	58	0	0	NUM
fsr-3294	223	59	.	.	PUNCT
fsr-3294	224	1	42	42	NUM
fsr-3294	225	1	*	*	PUNCT
fsr-3294	225	2	*	*	PUNCT
fsr-3294	225	3	*	*	PUNCT
fsr-3294	225	4	1	1	NUM
fsr-3294	225	5	.	.	X
fsr-3294	226	1	53	53	NUM
fsr-3294	226	2	0	0	NUM
fsr-3294	226	3	.	.	PUNCT
fsr-3294	227	1	31	31	NUM
fsr-3294	228	1	*	*	PUNCT
fsr-3294	228	2	*	*	PUNCT
fsr-3294	229	1	*	*	PUNCT
fsr-3294	229	2	1	1	NUM
fsr-3294	229	3	.	.	NUM
fsr-3294	229	4	36	36	NUM
fsr-3294	229	5	0	0	NUM
fsr-3294	229	6	.	.	PUNCT
fsr-3294	230	1	52	52	NUM
fsr-3294	230	2	*	*	PUNCT
fsr-3294	230	3	*	*	PUNCT
fsr-3294	230	4	*	*	PUNCT
fsr-3294	230	5	1	1	NUM
fsr-3294	230	6	.	.	NUM
fsr-3294	230	7	69	69	NUM
fsr-3294	230	8	0	0	NUM
fsr-3294	230	9	.	.	PUNCT
fsr-3294	231	1	44	44	NUM
fsr-3294	232	1	*	*	PUNCT
fsr-3294	232	2	*	*	PUNCT
fsr-3294	232	3	*	*	PUNCT
fsr-3294	232	4	1	1	NUM
fsr-3294	232	5	.	.	X
fsr-3294	232	6	55	55	NUM
fsr-3294	232	7	in	in	ADP
fsr-3294	232	8	co	co	NOUN
fsr-3294	232	9	m	m	PROPN
fsr-3294	232	10	e	e	X
fsr-3294	232	11	le	le	X
fsr-3294	232	12	ve	ve	VERB
fsr-3294	232	13	l	l	NOUN
fsr-3294	232	14	(	(	PUNCT
fsr-3294	232	15	l	l	NOUN
fsr-3294	232	16	ow	ow	INTJ
fsr-3294	232	17	�	�	PROPN
fsr-3294	232	18	1	1	NUM
fsr-3294	232	19	,	,	PUNCT
fsr-3294	232	20	hi	hi	INTJ
fsr-3294	232	21	gh	gh	PROPN
fsr-3294	232	22	�	�	PROPN
fsr-3294	232	23	3	3	NUM
fsr-3294	232	24	)	)	PUNCT
fsr-3294	232	25	0	0	NUM
fsr-3294	232	26	.	.	PUNCT
fsr-3294	233	1	82	82	NUM
fsr-3294	234	1	*	*	PUNCT
fsr-3294	234	2	*	*	PUNCT
fsr-3294	234	3	*	*	PUNCT
fsr-3294	234	4	2	2	NUM
fsr-3294	234	5	.	.	NUM
fsr-3294	234	6	26	26	NUM
fsr-3294	234	7	—	—	PUNCT
fsr-3294	234	8	—	—	PUNCT
fsr-3294	234	9	—	—	PUNCT
fsr-3294	234	10	—	—	PUNCT
fsr-3294	234	11	—	—	PUNCT
fsr-3294	234	12	—	—	PUNCT
fsr-3294	235	1	r	r	NOUN
fsr-3294	235	2	ac	ac	NOUN
fsr-3294	235	3	e	e	PROPN
fsr-3294	235	4	(	(	PUNCT
fsr-3294	235	5	w	w	VERB
fsr-3294	235	6	hi	hi	INTJ
fsr-3294	235	7	te	te	INTJ
fsr-3294	235	8	�	�	PROPN
fsr-3294	235	9	r	r	NOUN
fsr-3294	235	10	ef	ef	PROPN
fsr-3294	235	11	.	.	PUNCT
fsr-3294	235	12	)	)	PUNCT
fsr-3294	235	13	—	—	PUNCT
fsr-3294	235	14	—	—	PUNCT
fsr-3294	235	15	—	—	PUNCT
fsr-3294	235	16	—	—	PUNCT
fsr-3294	235	17	—	—	PUNCT
fsr-3294	235	18	—	—	PUNCT
fsr-3294	235	19	—	—	PUNCT
fsr-3294	235	20	—	—	PUNCT
fsr-3294	235	21	b	b	X
fsr-3294	235	22	la	la	ADP
fsr-3294	235	23	ck	ck	PROPN
fsr-3294	235	24	�	�	PROPN
fsr-3294	235	25	.1	.1	NUM
fsr-3294	235	26	6	6	NUM
fsr-3294	235	27	*	*	SYM
fsr-3294	235	28	0	0	NUM
fsr-3294	235	29	.	.	NOUN
fsr-3294	235	30	85	85	NUM
fsr-3294	235	31	�	�	PROPN
fsr-3294	235	32	0	0	NUM
fsr-3294	235	33	.	.	PUNCT
fsr-3294	235	34	36	36	NUM
fsr-3294	235	35	*	*	PUNCT
fsr-3294	235	36	*	*	NOUN
fsr-3294	235	37	0	0	NUM
fsr-3294	235	38	.	.	X
fsr-3294	235	39	70	70	NUM
fsr-3294	235	40	�	�	PROPN
fsr-3294	235	41	0	0	NUM
fsr-3294	235	42	.	.	PROPN
fsr-3294	235	43	11	11	NUM
fsr-3294	235	44	0	0	NUM
fsr-3294	235	45	.	.	SYM
fsr-3294	235	46	89	89	NUM
fsr-3294	235	47	�	�	PROPN
fsr-3294	235	48	0	0	NUM
fsr-3294	235	49	.	.	PROPN
fsr-3294	236	1	10	10	NUM
fsr-3294	236	2	0	0	NUM
fsr-3294	236	3	.	.	X
fsr-3294	237	1	91	91	NUM
fsr-3294	237	2	h	h	NOUN
fsr-3294	237	3	is	be	AUX
fsr-3294	237	4	pa	pa	PROPN
fsr-3294	237	5	ni	ni	PROPN
fsr-3294	237	6	c	c	PROPN
fsr-3294	237	7	�	�	PROPN
fsr-3294	238	1	.6	.6	NUM
fsr-3294	238	2	6	6	NUM
fsr-3294	238	3	*	*	PUNCT
fsr-3294	238	4	*	*	PUNCT
fsr-3294	238	5	*	*	PUNCT
fsr-3294	238	6	0	0	NUM
fsr-3294	238	7	.	.	X
fsr-3294	238	8	52	52	NUM
fsr-3294	238	9	�	�	PROPN
fsr-3294	238	10	0	0	NUM
fsr-3294	238	11	.	.	PROPN
fsr-3294	238	12	30	30	NUM
fsr-3294	238	13	0	0	NUM
fsr-3294	238	14	.	.	X
fsr-3294	238	15	74	74	NUM
fsr-3294	238	16	�	�	PROPN
fsr-3294	238	17	0	0	NUM
fsr-3294	238	18	.	.	PUNCT
fsr-3294	239	1	51	51	NUM
fsr-3294	240	1	*	*	PUNCT
fsr-3294	240	2	*	*	NOUN
fsr-3294	240	3	0	0	NUM
fsr-3294	240	4	.	.	X
fsr-3294	240	5	60	60	NUM
fsr-3294	240	6	�	�	PROPN
fsr-3294	240	7	.8	.8	PROPN
fsr-3294	240	8	0	0	PUNCT
fsr-3294	240	9	*	*	PUNCT
fsr-3294	241	1	*	*	PUNCT
fsr-3294	241	2	*	*	PUNCT
fsr-3294	241	3	0	0	NUM
fsr-3294	241	4	.	.	NOUN
fsr-3294	242	1	45	45	NUM
fsr-3294	242	2	o	o	NOUN
fsr-3294	242	3	th	th	INTJ
fsr-3294	242	4	er	er	INTJ
fsr-3294	242	5	ra	ra	PROPN
fsr-3294	242	6	ce	ce	PROPN
fsr-3294	242	7	�	�	PROPN
fsr-3294	242	8	.1	.1	NUM
fsr-3294	242	9	5	5	NUM
fsr-3294	242	10	0	0	NUM
fsr-3294	242	11	.	.	PUNCT
fsr-3294	243	1	86	86	NUM
fsr-3294	243	2	0	0	NUM
fsr-3294	243	3	.	.	PUNCT
fsr-3294	243	4	00	00	NUM
fsr-3294	244	1	1	1	NUM
fsr-3294	244	2	.	.	NUM
fsr-3294	244	3	00	00	NUM
fsr-3294	244	4	�	�	PROPN
fsr-3294	244	5	0	0	NUM
fsr-3294	244	6	.	.	PROPN
fsr-3294	244	7	08	08	NUM
fsr-3294	244	8	0	0	NUM
fsr-3294	244	9	.	.	X
fsr-3294	245	1	92	92	NUM
fsr-3294	245	2	�	�	PROPN
fsr-3294	245	3	0	0	NUM
fsr-3294	245	4	.	.	PUNCT
fsr-3294	246	1	56	56	NUM
fsr-3294	246	2	0	0	NUM
fsr-3294	246	3	.	.	X
fsr-3294	246	4	57	57	NUM
fsr-3294	246	5	e	e	X
fsr-3294	246	6	du	du	PROPN
fsr-3294	246	7	ca	can	AUX
fsr-3294	246	8	tio	tio	VERB
fsr-3294	246	9	n	n	ADV
fsr-3294	246	10	.2	.2	NUM
fsr-3294	246	11	2	2	NUM
fsr-3294	246	12	*	*	PUNCT
fsr-3294	246	13	*	*	PUNCT
fsr-3294	246	14	*	*	PUNCT
fsr-3294	246	15	1	1	NUM
fsr-3294	246	16	.	.	NUM
fsr-3294	246	17	24	24	NUM
fsr-3294	246	18	0	0	NUM
fsr-3294	246	19	.	.	PUNCT
fsr-3294	247	1	17	17	NUM
fsr-3294	247	2	*	*	PUNCT
fsr-3294	247	3	*	*	PUNCT
fsr-3294	247	4	*	*	PUNCT
fsr-3294	247	5	1	1	NUM
fsr-3294	247	6	.	.	NUM
fsr-3294	247	7	18	18	NUM
fsr-3294	247	8	0	0	NUM
fsr-3294	247	9	.	.	PUNCT
fsr-3294	248	1	23	23	NUM
fsr-3294	249	1	*	*	PUNCT
fsr-3294	249	2	*	*	PUNCT
fsr-3294	249	3	*	*	PUNCT
fsr-3294	249	4	1	1	NUM
fsr-3294	249	5	.	.	NUM
fsr-3294	249	6	26	26	NUM
fsr-3294	249	7	.3	.3	NUM
fsr-3294	249	8	6	6	NUM
fsr-3294	249	9	*	*	PUNCT
fsr-3294	249	10	*	*	PUNCT
fsr-3294	249	11	*	*	PUNCT
fsr-3294	250	1	1	1	NUM
fsr-3294	250	2	.	.	NUM
fsr-3294	250	3	44	44	NUM
fsr-3294	250	4	a	a	DET
fsr-3294	250	5	ge	ge	PROPN
fsr-3294	250	6	�	�	PROPN
fsr-3294	250	7	.0	.0	NUM
fsr-3294	250	8	1	1	NUM
fsr-3294	250	9	0	0	NUM
fsr-3294	250	10	.	.	X
fsr-3294	250	11	99	99	NUM
fsr-3294	250	12	�	�	PROPN
fsr-3294	250	13	0	0	NUM
fsr-3294	250	14	.	.	PUNCT
fsr-3294	251	1	01	01	NUM
fsr-3294	252	1	*	*	PUNCT
fsr-3294	252	2	*	*	PUNCT
fsr-3294	253	1	*	*	PUNCT
fsr-3294	253	2	0	0	NUM
fsr-3294	253	3	.	.	NUM
fsr-3294	254	1	99	99	NUM
fsr-3294	254	2	0	0	NUM
fsr-3294	254	3	.	.	PUNCT
fsr-3294	254	4	00	00	NUM
fsr-3294	255	1	1	1	NUM
fsr-3294	255	2	.	.	NUM
fsr-3294	255	3	00	00	NUM
fsr-3294	255	4	0	0	NUM
fsr-3294	255	5	.	.	NUM
fsr-3294	256	1	01	01	NUM
fsr-3294	256	2	1	1	NUM
fsr-3294	256	3	.	.	NUM
fsr-3294	256	4	01	01	NUM
fsr-3294	256	5	in	in	ADP
fsr-3294	256	6	te	te	PROPN
fsr-3294	256	7	rc	rc	PROPN
fsr-3294	256	8	ep	ep	PROPN
fsr-3294	256	9	t	t	PROPN
fsr-3294	256	10	1	1	NUM
fsr-3294	256	11	1	1	NUM
fsr-3294	256	12	.	.	PUNCT
fsr-3294	257	1	13	13	NUM
fsr-3294	257	2	*	*	PUNCT
fsr-3294	257	3	*	*	PUNCT
fsr-3294	258	1	*	*	PUNCT
fsr-3294	258	2	0	0	NUM
fsr-3294	258	3	.	.	X
fsr-3294	258	4	32	32	NUM
fsr-3294	258	5	�	�	PROPN
fsr-3294	258	6	4	4	NUM
fsr-3294	258	7	.	.	PUNCT
fsr-3294	258	8	86	86	NUM
fsr-3294	259	1	*	*	PUNCT
fsr-3294	259	2	*	*	PUNCT
fsr-3294	260	1	*	*	PUNCT
fsr-3294	260	2	0	0	NUM
fsr-3294	260	3	.	.	NUM
fsr-3294	260	4	01	01	NUM
fsr-3294	260	5	�	�	PROPN
fsr-3294	260	6	2	2	NUM
fsr-3294	260	7	.	.	PUNCT
fsr-3294	260	8	84	84	NUM
fsr-3294	261	1	*	*	PUNCT
fsr-3294	261	2	*	*	PUNCT
fsr-3294	262	1	*	*	PUNCT
fsr-3294	262	2	0	0	NUM
fsr-3294	262	3	.	.	NUM
fsr-3294	262	4	06	06	NUM
fsr-3294	262	5	�	�	PROPN
fsr-3294	262	6	1	1	NUM
fsr-3294	262	7	.	.	PUNCT
fsr-3294	262	8	40	40	NUM
fsr-3294	263	1	*	*	PUNCT
fsr-3294	263	2	*	*	PUNCT
fsr-3294	264	1	*	*	PUNCT
fsr-3294	264	2	0	0	X
fsr-3294	264	3	.	.	NUM
fsr-3294	264	4	25	25	NUM
fsr-3294	264	5	in	in	ADP
fsr-3294	264	6	te	te	PROPN
fsr-3294	264	7	rc	rc	PROPN
fsr-3294	264	8	ep	ep	PROPN
fsr-3294	264	9	t	t	PROPN
fsr-3294	264	10	2	2	NUM
fsr-3294	264	11	0	0	NUM
fsr-3294	264	12	.	.	PUNCT
fsr-3294	265	1	71	71	NUM
fsr-3294	266	1	*	*	PUNCT
fsr-3294	266	2	*	*	PUNCT
fsr-3294	267	1	*	*	PUNCT
fsr-3294	267	2	2	2	NUM
fsr-3294	267	3	.	.	X
fsr-3294	267	4	03	03	NUM
fsr-3294	267	5	�	�	PROPN
fsr-3294	267	6	2	2	NUM
fsr-3294	267	7	.	.	NUM
fsr-3294	268	1	42	42	NUM
fsr-3294	269	1	*	*	PUNCT
fsr-3294	269	2	*	*	PUNCT
fsr-3294	270	1	*	*	PUNCT
fsr-3294	270	2	0	0	X
fsr-3294	270	3	.	.	NUM
fsr-3294	270	4	09	09	NUM
fsr-3294	270	5	�	�	PROPN
fsr-3294	270	6	1	1	NUM
fsr-3294	270	7	.	.	PUNCT
fsr-3294	270	8	07	07	NUM
fsr-3294	271	1	*	*	PUNCT
fsr-3294	271	2	*	*	PUNCT
fsr-3294	272	1	*	*	PUNCT
fsr-3294	272	2	0	0	NUM
fsr-3294	272	3	.	.	NUM
fsr-3294	273	1	34	34	NUM
fsr-3294	273	2	0	0	NUM
fsr-3294	273	3	.	.	PUNCT
fsr-3294	274	1	43	43	NUM
fsr-3294	275	1	*	*	PUNCT
fsr-3294	275	2	*	*	PUNCT
fsr-3294	276	1	1	1	NUM
fsr-3294	276	2	.	.	NUM
fsr-3294	276	3	54	54	NUM
fsr-3294	276	4	in	in	ADP
fsr-3294	276	5	te	te	PROPN
fsr-3294	276	6	rc	rc	PROPN
fsr-3294	276	7	ep	ep	PROPN
fsr-3294	276	8	t	t	PROPN
fsr-3294	276	9	3	3	NUM
fsr-3294	276	10	2	2	NUM
fsr-3294	276	11	.	.	PUNCT
fsr-3294	276	12	37	37	NUM
fsr-3294	277	1	*	*	PUNCT
fsr-3294	277	2	*	*	PUNCT
fsr-3294	278	1	*	*	PUNCT
fsr-3294	278	2	10	10	NUM
fsr-3294	278	3	.7	.7	NUM
fsr-3294	278	4	2	2	NUM
fsr-3294	278	5	�	�	PROPN
fsr-3294	278	6	0	0	NUM
fsr-3294	278	7	.	.	PUNCT
fsr-3294	279	1	58	58	NUM
fsr-3294	280	1	*	*	PUNCT
fsr-3294	280	2	*	*	PUNCT
fsr-3294	281	1	*	*	PUNCT
fsr-3294	281	2	0	0	NUM
fsr-3294	281	3	.	.	X
fsr-3294	282	1	56	56	NUM
fsr-3294	282	2	0	0	NUM
fsr-3294	282	3	.	.	PUNCT
fsr-3294	283	1	53	53	NUM
fsr-3294	283	2	*	*	PUNCT
fsr-3294	283	3	*	*	NOUN
fsr-3294	283	4	1	1	NUM
fsr-3294	283	5	.	.	PUNCT
fsr-3294	283	6	71	71	NUM
fsr-3294	283	7	2	2	NUM
fsr-3294	283	8	.	.	PUNCT
fsr-3294	283	9	05	05	NUM
fsr-3294	284	1	*	*	PUNCT
fsr-3294	284	2	*	*	PUNCT
fsr-3294	285	1	*	*	PUNCT
fsr-3294	285	2	7	7	NUM
fsr-3294	285	3	.	.	SYM
fsr-3294	285	4	77	77	NUM
fsr-3294	286	1	n	n	NUM
fsr-3294	286	2	ot	ot	NOUN
fsr-3294	286	3	e	e	NOUN
fsr-3294	286	4	:	:	PUNCT
fsr-3294	286	5	b	b	X
fsr-3294	286	6	�	�	PROPN
fsr-3294	286	7	co	co	X
fsr-3294	286	8	ef	ef	PROPN
fsr-3294	286	9	fic	fic	PROPN
fsr-3294	286	10	ie	ie	PROPN
fsr-3294	286	11	nt	not	PART
fsr-3294	286	12	of	of	ADP
fsr-3294	286	13	va	va	PROPN
fsr-3294	286	14	ri	ri	PROPN
fsr-3294	286	15	ab	ab	PROPN
fsr-3294	286	16	le	le	PROPN
fsr-3294	286	17	s	s	PROPN
fsr-3294	286	18	;	;	PUNCT
fsr-3294	286	19	o	o	NOUN
fsr-3294	286	20	r	r	PROPN
fsr-3294	286	21	�	�	PROPN
fsr-3294	286	22	od	od	PROPN
fsr-3294	286	23	ds	ds	PROPN
fsr-3294	286	24	ra	ra	NOUN
fsr-3294	286	25	tio	tio	NOUN
fsr-3294	286	26	.	.	PUNCT
fsr-3294	287	1	a	a	DET
fsr-3294	287	2	fo	fo	ADP
fsr-3294	287	3	r	r	NOUN
fsr-3294	287	4	to	to	ADP
fsr-3294	287	5	ta	ta	X
fsr-3294	287	6	l	l	PROPN
fsr-3294	287	7	sa	sa	PROPN
fsr-3294	287	8	m	m	VERB
fsr-3294	287	9	pl	pl	PROPN
fsr-3294	287	10	e	e	X
fsr-3294	287	11	m	m	PROPN
fsr-3294	287	12	od	od	PROPN
fsr-3294	287	13	el	el	PROPN
fsr-3294	287	14	,	,	PUNCT
fsr-3294	287	15	�	�	PROPN
fsr-3294	287	16	2	2	NUM
fsr-3294	287	17	�	�	PROPN
fsr-3294	287	18	15	15	NUM
fsr-3294	287	19	26	26	NUM
fsr-3294	287	20	.3	.3	NUM
fsr-3294	287	21	0	0	NUM
fsr-3294	287	22	*	*	PUNCT
fsr-3294	288	1	*	*	PUNCT
fsr-3294	288	2	*	*	PUNCT
fsr-3294	288	3	;	;	PUNCT
fsr-3294	288	4	ps	ps	PART
fsr-3294	288	5	eu	eu	PROPN
fsr-3294	288	6	do	do	VERB
fsr-3294	288	7	r	r	NOUN
fsr-3294	288	8	2	2	NUM
fsr-3294	288	9	�	�	PROPN
fsr-3294	288	10	0	0	NUM
fsr-3294	288	11	.	.	PROPN
fsr-3294	288	12	09	09	NUM
fsr-3294	288	13	.	.	PUNCT
fsr-3294	289	1	b	b	X
fsr-3294	289	2	fo	fo	ADP
fsr-3294	289	3	r	r	NOUN
fsr-3294	289	4	hi	hi	INTJ
fsr-3294	289	5	gh	gh	PROPN
fsr-3294	289	6	-i	-i	PROPN
fsr-3294	289	7	nc	nc	PROPN
fsr-3294	289	8	om	om	PROPN
fsr-3294	289	9	e	e	PROPN
fsr-3294	289	10	m	m	PROPN
fsr-3294	289	11	od	od	PROPN
fsr-3294	289	12	el	el	PROPN
fsr-3294	289	13	,	,	PUNCT
fsr-3294	289	14	�	�	PROPN
fsr-3294	289	15	2	2	NUM
fsr-3294	289	16	�	�	PROPN
fsr-3294	289	17	93	93	NUM
fsr-3294	289	18	.1	.1	NUM
fsr-3294	289	19	5	5	NUM
fsr-3294	289	20	*	*	PUNCT
fsr-3294	289	21	*	*	PUNCT
fsr-3294	289	22	*	*	PUNCT
fsr-3294	289	23	;	;	PUNCT
fsr-3294	289	24	ps	ps	PART
fsr-3294	289	25	eu	eu	PROPN
fsr-3294	289	26	do	do	VERB
fsr-3294	289	27	r	r	NOUN
fsr-3294	289	28	2	2	NUM
fsr-3294	289	29	�	�	PROPN
fsr-3294	289	30	0	0	NUM
fsr-3294	289	31	.	.	PROPN
fsr-3294	289	32	01	01	NUM
fsr-3294	289	33	.	.	PUNCT
fsr-3294	290	1	c	c	NOUN
fsr-3294	291	1	fo	fo	INTJ
fsr-3294	291	2	r	r	NOUN
fsr-3294	291	3	m	m	VERB
fsr-3294	291	4	i	i	PROPN
fsr-3294	291	5	d	d	PROPN
fsr-3294	291	6	dl	dl	PROPN
fsr-3294	291	7	ein	ein	PROPN
fsr-3294	291	8	co	co	VERB
fsr-3294	291	9	m	m	PROPN
fsr-3294	291	10	e	e	PROPN
fsr-3294	291	11	m	m	PROPN
fsr-3294	291	12	od	od	PROPN
fsr-3294	291	13	el	el	PROPN
fsr-3294	291	14	,	,	PUNCT
fsr-3294	291	15	�	�	PROPN
fsr-3294	291	16	2	2	NUM
fsr-3294	291	17	�	�	PROPN
fsr-3294	291	18	91	91	NUM
fsr-3294	291	19	.0	.0	NUM
fsr-3294	291	20	2	2	NUM
fsr-3294	291	21	*	*	PUNCT
fsr-3294	291	22	*	*	PUNCT
fsr-3294	291	23	*	*	PUNCT
fsr-3294	291	24	;	;	PUNCT
fsr-3294	291	25	ps	ps	PART
fsr-3294	291	26	eu	eu	PROPN
fsr-3294	291	27	do	do	VERB
fsr-3294	291	28	r	r	NOUN
fsr-3294	291	29	2	2	NUM
fsr-3294	291	30	�	�	PROPN
fsr-3294	291	31	0	0	NUM
fsr-3294	291	32	.	.	PROPN
fsr-3294	291	33	02	02	NUM
fsr-3294	291	34	.	.	PUNCT
fsr-3294	292	1	d	d	INTJ
fsr-3294	292	2	fo	fo	INTJ
fsr-3294	293	1	r	r	NOUN
fsr-3294	293	2	lo	lo	PROPN
fsr-3294	293	3	w	w	PROPN
fsr-3294	293	4	-i	-i	PROPN
fsr-3294	293	5	nc	nc	PROPN
fsr-3294	293	6	om	om	PROPN
fsr-3294	293	7	e	e	PROPN
fsr-3294	293	8	m	m	PROPN
fsr-3294	293	9	od	od	PROPN
fsr-3294	293	10	el	el	PROPN
fsr-3294	293	11	,	,	PUNCT
fsr-3294	293	12	�	�	PROPN
fsr-3294	293	13	2	2	NUM
fsr-3294	293	14	�	�	PROPN
fsr-3294	293	15	16	16	NUM
fsr-3294	293	16	6	6	NUM
fsr-3294	293	17	.	.	PUNCT
fsr-3294	293	18	82	82	NUM
fsr-3294	294	1	*	*	PUNCT
fsr-3294	294	2	*	*	PUNCT
fsr-3294	294	3	*	*	PUNCT
fsr-3294	294	4	;	;	PUNCT
fsr-3294	294	5	ps	ps	AUX
fsr-3294	294	6	eu	eu	PROPN
fsr-3294	294	7	do	do	AUX
fsr-3294	294	8	r	r	NOUN
fsr-3294	294	9	2	2	NUM
fsr-3294	294	10	�	�	PROPN
fsr-3294	294	11	0	0	NUM
fsr-3294	294	12	.	.	NOUN
fsr-3294	294	13	04	04	NUM
fsr-3294	294	14	.	.	PUNCT
fsr-3294	295	1	*	*	PUNCT
fsr-3294	295	2	p	p	X
fsr-3294	295	3	�	�	PROPN
fsr-3294	295	4	.0	.0	NUM
fsr-3294	295	5	5	5	NUM
fsr-3294	295	6	;	;	PUNCT
fsr-3294	295	7	*	*	PUNCT
fsr-3294	295	8	*	*	PUNCT
fsr-3294	295	9	p	p	X
fsr-3294	295	10	�	�	PROPN
fsr-3294	295	11	.0	.0	NUM
fsr-3294	295	12	1	1	NUM
fsr-3294	295	13	;	;	PUNCT
fsr-3294	295	14	*	*	PUNCT
fsr-3294	295	15	*	*	PUNCT
fsr-3294	295	16	*	*	PUNCT
fsr-3294	295	17	p	p	X
fsr-3294	295	18	�	�	PROPN
fsr-3294	295	19	.0	.0	NUM
fsr-3294	295	20	01	01	NUM
fsr-3294	295	21	.	.	PUNCT
fsr-3294	295	22	31c	31c	PROPN
fsr-3294	295	23	.	.	PUNCT
fsr-3294	296	1	hudson	hudson	PROPN
fsr-3294	296	2	et	et	PROPN
fsr-3294	296	3	al	al	PROPN
fsr-3294	296	4	.	.	PUNCT
fsr-3294	296	5	/	/	SYM
fsr-3294	296	6	financial	financial	ADJ
fsr-3294	296	7	services	service	NOUN
fsr-3294	296	8	review	review	VERB
fsr-3294	296	9	26	26	NUM
fsr-3294	296	10	(	(	PUNCT
fsr-3294	296	11	2017	2017	NUM
fsr-3294	296	12	)	)	PUNCT
fsr-3294	297	1	19–36	19–36	PROPN
fsr-3294	297	2	t	t	PROPN
fsr-3294	297	3	ab	ab	X
fsr-3294	297	4	le	le	X
fsr-3294	297	5	8	8	NUM
fsr-3294	297	6	c	c	NOUN
fsr-3294	297	7	as	as	ADP
fsr-3294	297	8	h	h	PROPN
fsr-3294	297	9	flo	flo	PROPN
fsr-3294	298	1	w	w	PROPN
fsr-3294	298	2	m	m	VERB
fsr-3294	298	3	an	an	DET
fsr-3294	298	4	ag	ag	PROPN
fsr-3294	298	5	em	em	PRON
fsr-3294	298	6	en	en	PROPN
fsr-3294	298	7	t	t	PROPN
fsr-3294	298	8	be	be	AUX
fsr-3294	298	9	ha	ha	INTJ
fsr-3294	298	10	vi	vi	NOUN
fsr-3294	298	11	or	or	CCONJ
fsr-3294	298	12	ch	ch	NOUN
fsr-3294	298	13	an	an	DET
fsr-3294	298	14	ge	ge	PROPN
fsr-3294	298	15	be	be	AUX
fsr-3294	298	16	tw	tw	INTJ
fsr-3294	298	17	ee	ee	ADP
fsr-3294	298	18	n	n	ADV
fsr-3294	298	19	20	20	NUM
fsr-3294	298	20	04	04	NUM
fsr-3294	299	1	an	an	DET
fsr-3294	299	2	d	d	NOUN
fsr-3294	299	3	20	20	NUM
fsr-3294	299	4	13	13	NUM
fsr-3294	299	5	t	t	NOUN
fsr-3294	299	6	ot	ot	NOUN
fsr-3294	299	7	al	al	PROPN
fsr-3294	299	8	sa	sa	PROPN
fsr-3294	299	9	m	m	PROPN
fsr-3294	299	10	pl	pl	PROPN
fsr-3294	299	11	ea	ea	NUM
fsr-3294	299	12	h	h	PROPN
fsr-3294	299	13	ig	ig	PROPN
fsr-3294	299	14	hin	hin	PROPN
fsr-3294	299	15	co	co	PROPN
fsr-3294	299	16	m	m	PROPN
fsr-3294	299	17	eb	eb	PROPN
fsr-3294	299	18	m	m	PROPN
fsr-3294	299	19	i	i	PROPN
fsr-3294	299	20	d	d	PROPN
fsr-3294	299	21	dl	dl	PROPN
fsr-3294	299	22	ein	ein	PROPN
fsr-3294	299	23	co	co	VERB
fsr-3294	299	24	m	m	PROPN
fsr-3294	299	25	ec	ec	PROPN
fsr-3294	299	26	l	l	NOUN
fsr-3294	300	1	ow	ow	INTJ
fsr-3294	300	2	-i	-i	PROPN
fsr-3294	300	3	nc	nc	PROPN
fsr-3294	300	4	om	om	PROPN
fsr-3294	300	5	ed	ed	PROPN
fsr-3294	300	6	n	n	PROPN
fsr-3294	300	7	�	�	PROPN
fsr-3294	300	8	7	7	NUM
fsr-3294	300	9	,	,	PUNCT
fsr-3294	300	10	24	24	NUM
fsr-3294	300	11	6	6	NUM
fsr-3294	300	12	n	n	PRON
fsr-3294	300	13	�	�	PROPN
fsr-3294	300	14	3	3	NUM
fsr-3294	300	15	,	,	PUNCT
fsr-3294	300	16	83	83	NUM
fsr-3294	300	17	9	9	NUM
fsr-3294	300	18	n	n	PRON
fsr-3294	300	19	�	�	PROPN
fsr-3294	300	20	1	1	NUM
fsr-3294	300	21	,	,	PUNCT
fsr-3294	300	22	79	79	NUM
fsr-3294	300	23	1	1	NUM
fsr-3294	300	24	n	n	PRON
fsr-3294	300	25	�	�	PROPN
fsr-3294	300	26	1	1	NUM
fsr-3294	300	27	,	,	PUNCT
fsr-3294	300	28	61	61	NUM
fsr-3294	300	29	6	6	NUM
fsr-3294	300	30	b	b	NOUN
fsr-3294	300	31	o	o	NOUN
fsr-3294	300	32	r	r	NOUN
fsr-3294	300	33	b	b	NOUN
fsr-3294	300	34	o	o	NOUN
fsr-3294	300	35	r	r	NOUN
fsr-3294	300	36	b	b	NOUN
fsr-3294	300	37	o	o	NOUN
fsr-3294	300	38	r	r	NOUN
fsr-3294	300	39	b	b	NOUN
fsr-3294	300	40	o	o	NOUN
fsr-3294	300	41	r	r	X
fsr-3294	300	42	po	po	X
fsr-3294	300	43	st	st	PROPN
fsr-3294	300	44	-c	-c	X
fsr-3294	300	45	ri	ri	PROPN
fsr-3294	300	46	si	si	X
fsr-3294	300	47	s	s	X
fsr-3294	300	48	(	(	PUNCT
fsr-3294	300	49	a	a	DET
fsr-3294	300	50	ft	ft	NOUN
fsr-3294	300	51	er	er	INTJ
fsr-3294	300	52	cr	cr	PROPN
fsr-3294	300	53	is	be	AUX
fsr-3294	300	54	is	be	AUX
fsr-3294	300	55	�	�	PROPN
fsr-3294	300	56	1	1	NUM
fsr-3294	300	57	)	)	PUNCT
fsr-3294	300	58	0	0	NUM
fsr-3294	300	59	.	.	PUNCT
fsr-3294	301	1	14	14	NUM
fsr-3294	301	2	*	*	PUNCT
fsr-3294	301	3	*	*	PUNCT
fsr-3294	301	4	1	1	NUM
fsr-3294	301	5	.	.	NOUN
fsr-3294	301	6	15	15	NUM
fsr-3294	301	7	0	0	NUM
fsr-3294	301	8	.	.	PUNCT
fsr-3294	301	9	00	00	NUM
fsr-3294	302	1	1	1	NUM
fsr-3294	302	2	.	.	NUM
fsr-3294	302	3	00	00	NUM
fsr-3294	302	4	0	0	NUM
fsr-3294	302	5	.	.	X
fsr-3294	303	1	27	27	NUM
fsr-3294	303	2	*	*	PUNCT
fsr-3294	303	3	*	*	PUNCT
fsr-3294	303	4	1	1	NUM
fsr-3294	303	5	.	.	NOUN
fsr-3294	303	6	31	31	NUM
fsr-3294	303	7	0	0	NUM
fsr-3294	303	8	.	.	PUNCT
fsr-3294	303	9	14	14	NUM
fsr-3294	303	10	1	1	NUM
fsr-3294	303	11	.	.	X
fsr-3294	303	12	55	55	NUM
fsr-3294	303	13	in	in	ADP
fsr-3294	303	14	co	co	NOUN
fsr-3294	303	15	m	m	PROPN
fsr-3294	303	16	e	e	X
fsr-3294	303	17	le	le	X
fsr-3294	303	18	ve	ve	VERB
fsr-3294	303	19	l	l	NOUN
fsr-3294	303	20	(	(	PUNCT
fsr-3294	303	21	l	l	NOUN
fsr-3294	303	22	ow	ow	INTJ
fsr-3294	303	23	�	�	PROPN
fsr-3294	303	24	1	1	NUM
fsr-3294	303	25	,	,	PUNCT
fsr-3294	303	26	hi	hi	INTJ
fsr-3294	303	27	gh	gh	PROPN
fsr-3294	303	28	�	�	PROPN
fsr-3294	303	29	3	3	NUM
fsr-3294	303	30	)	)	PUNCT
fsr-3294	303	31	0	0	NUM
fsr-3294	303	32	.	.	X
fsr-3294	303	33	72	72	NUM
fsr-3294	304	1	*	*	PUNCT
fsr-3294	304	2	*	*	PUNCT
fsr-3294	305	1	*	*	PUNCT
fsr-3294	305	2	2	2	X
fsr-3294	305	3	.	.	NUM
fsr-3294	305	4	05	05	NUM
fsr-3294	305	5	—	—	PUNCT
fsr-3294	305	6	—	—	PUNCT
fsr-3294	305	7	—	—	PUNCT
fsr-3294	305	8	—	—	PUNCT
fsr-3294	305	9	—	—	PUNCT
fsr-3294	305	10	—	—	PUNCT
fsr-3294	306	1	r	r	NOUN
fsr-3294	306	2	ac	ac	NOUN
fsr-3294	306	3	e	e	PROPN
fsr-3294	306	4	(	(	PUNCT
fsr-3294	306	5	w	w	VERB
fsr-3294	306	6	hi	hi	INTJ
fsr-3294	306	7	te	te	INTJ
fsr-3294	306	8	�	�	PROPN
fsr-3294	306	9	r	r	NOUN
fsr-3294	306	10	ef	ef	PROPN
fsr-3294	306	11	.	.	PUNCT
fsr-3294	306	12	)	)	PUNCT
fsr-3294	306	13	—	—	PUNCT
fsr-3294	306	14	—	—	PUNCT
fsr-3294	306	15	—	—	PUNCT
fsr-3294	306	16	—	—	PUNCT
fsr-3294	306	17	—	—	PUNCT
fsr-3294	306	18	—	—	PUNCT
fsr-3294	306	19	—	—	PUNCT
fsr-3294	306	20	—	—	PUNCT
fsr-3294	306	21	b	b	X
fsr-3294	306	22	la	la	PROPN
fsr-3294	306	23	ck	ck	PROPN
fsr-3294	306	24	�	�	PROPN
fsr-3294	306	25	0	0	NUM
fsr-3294	306	26	.	.	PUNCT
fsr-3294	306	27	82	82	NUM
fsr-3294	307	1	*	*	PUNCT
fsr-3294	307	2	*	*	PUNCT
fsr-3294	308	1	*	*	PUNCT
fsr-3294	308	2	0	0	NUM
fsr-3294	308	3	.	.	NUM
fsr-3294	308	4	44	44	NUM
fsr-3294	308	5	�	�	PROPN
fsr-3294	308	6	0	0	NUM
fsr-3294	308	7	.	.	PUNCT
fsr-3294	309	1	56	56	NUM
fsr-3294	309	2	*	*	PUNCT
fsr-3294	309	3	*	*	PUNCT
fsr-3294	309	4	*	*	PUNCT
fsr-3294	309	5	0	0	X
fsr-3294	309	6	.	.	X
fsr-3294	309	7	57	57	NUM
fsr-3294	309	8	�	�	PROPN
fsr-3294	309	9	0	0	NUM
fsr-3294	309	10	.	.	PROPN
fsr-3294	309	11	89	89	NUM
fsr-3294	310	1	*	*	PUNCT
fsr-3294	310	2	*	*	PUNCT
fsr-3294	311	1	*	*	PUNCT
fsr-3294	311	2	0	0	NUM
fsr-3294	311	3	.	.	X
fsr-3294	311	4	41	41	NUM
fsr-3294	311	5	�	�	PROPN
fsr-3294	311	6	0	0	NUM
fsr-3294	311	7	.	.	PUNCT
fsr-3294	312	1	87	87	NUM
fsr-3294	313	1	*	*	PUNCT
fsr-3294	313	2	*	*	PUNCT
fsr-3294	314	1	*	*	PUNCT
fsr-3294	314	2	0	0	X
fsr-3294	314	3	.	.	X
fsr-3294	315	1	42	42	NUM
fsr-3294	315	2	h	h	NOUN
fsr-3294	315	3	is	be	AUX
fsr-3294	315	4	pa	pa	PROPN
fsr-3294	315	5	ni	ni	PROPN
fsr-3294	315	6	c	c	PROPN
fsr-3294	315	7	�	�	PROPN
fsr-3294	315	8	0	0	NUM
fsr-3294	315	9	.	.	PUNCT
fsr-3294	316	1	54	54	NUM
fsr-3294	317	1	*	*	PUNCT
fsr-3294	317	2	*	*	PUNCT
fsr-3294	318	1	*	*	PUNCT
fsr-3294	318	2	0	0	NUM
fsr-3294	318	3	.	.	X
fsr-3294	318	4	58	58	NUM
fsr-3294	318	5	�	�	PROPN
fsr-3294	318	6	0	0	NUM
fsr-3294	318	7	.	.	PROPN
fsr-3294	319	1	49	49	NUM
fsr-3294	319	2	*	*	PUNCT
fsr-3294	319	3	0	0	NUM
fsr-3294	319	4	.	.	X
fsr-3294	319	5	62	62	NUM
fsr-3294	319	6	�	�	PROPN
fsr-3294	319	7	0	0	NUM
fsr-3294	319	8	.	.	PUNCT
fsr-3294	320	1	58	58	NUM
fsr-3294	321	1	*	*	PUNCT
fsr-3294	321	2	*	*	PUNCT
fsr-3294	322	1	*	*	PUNCT
fsr-3294	322	2	0	0	X
fsr-3294	322	3	.	.	X
fsr-3294	322	4	56	56	NUM
fsr-3294	322	5	�	�	PROPN
fsr-3294	322	6	0	0	NUM
fsr-3294	322	7	.	.	PUNCT
fsr-3294	323	1	48	48	NUM
fsr-3294	323	2	*	*	PUNCT
fsr-3294	323	3	*	*	PUNCT
fsr-3294	323	4	*	*	PUNCT
fsr-3294	323	5	0	0	X
fsr-3294	323	6	.	.	NUM
fsr-3294	324	1	62	62	NUM
fsr-3294	324	2	o	o	NOUN
fsr-3294	324	3	th	th	INTJ
fsr-3294	324	4	er	er	INTJ
fsr-3294	324	5	r	r	NOUN
fsr-3294	324	6	ac	ac	NOUN
fsr-3294	324	7	e	e	PROPN
fsr-3294	324	8	�	�	PROPN
fsr-3294	324	9	0	0	NUM
fsr-3294	324	10	.	.	PUNCT
fsr-3294	324	11	23	23	NUM
fsr-3294	325	1	*	*	PUNCT
fsr-3294	325	2	0	0	NUM
fsr-3294	325	3	.	.	X
fsr-3294	325	4	79	79	NUM
fsr-3294	325	5	�	�	PROPN
fsr-3294	325	6	0	0	NUM
fsr-3294	325	7	.	.	PUNCT
fsr-3294	326	1	22	22	NUM
fsr-3294	326	2	0	0	NUM
fsr-3294	326	3	.	.	X
fsr-3294	327	1	81	81	NUM
fsr-3294	327	2	�	�	PROPN
fsr-3294	327	3	0	0	NUM
fsr-3294	327	4	.	.	PUNCT
fsr-3294	327	5	36	36	NUM
fsr-3294	327	6	*	*	NOUN
fsr-3294	327	7	0	0	NUM
fsr-3294	327	8	.	.	X
fsr-3294	327	9	70	70	NUM
fsr-3294	327	10	�	�	PROPN
fsr-3294	327	11	0	0	NUM
fsr-3294	327	12	.	.	PROPN
fsr-3294	327	13	13	13	NUM
fsr-3294	327	14	0	0	NUM
fsr-3294	327	15	.	.	X
fsr-3294	327	16	88	88	NUM
fsr-3294	327	17	e	e	X
fsr-3294	327	18	du	du	PROPN
fsr-3294	327	19	ca	can	AUX
fsr-3294	327	20	tio	tio	VERB
fsr-3294	327	21	n	n	PROPN
fsr-3294	327	22	0	0	NUM
fsr-3294	327	23	.	.	PUNCT
fsr-3294	328	1	16	16	NUM
fsr-3294	329	1	*	*	PUNCT
fsr-3294	329	2	*	*	PUNCT
fsr-3294	329	3	*	*	PUNCT
fsr-3294	329	4	1	1	NUM
fsr-3294	329	5	.	.	NUM
fsr-3294	329	6	17	17	NUM
fsr-3294	329	7	0	0	NUM
fsr-3294	329	8	.	.	PUNCT
fsr-3294	329	9	08	08	NUM
fsr-3294	330	1	*	*	PUNCT
fsr-3294	330	2	*	*	PUNCT
fsr-3294	331	1	1	1	NUM
fsr-3294	331	2	.	.	NUM
fsr-3294	331	3	08	08	NUM
fsr-3294	331	4	0	0	NUM
fsr-3294	331	5	.	.	PUNCT
fsr-3294	332	1	22	22	NUM
fsr-3294	333	1	*	*	PUNCT
fsr-3294	333	2	*	*	PUNCT
fsr-3294	333	3	*	*	PUNCT
fsr-3294	333	4	1	1	NUM
fsr-3294	333	5	.	.	NUM
fsr-3294	333	6	25	25	NUM
fsr-3294	333	7	0	0	NUM
fsr-3294	333	8	.	.	PUNCT
fsr-3294	334	1	30	30	NUM
fsr-3294	334	2	*	*	PUNCT
fsr-3294	334	3	*	*	PUNCT
fsr-3294	334	4	*	*	PUNCT
fsr-3294	334	5	1	1	NUM
fsr-3294	334	6	.	.	NUM
fsr-3294	334	7	35	35	NUM
fsr-3294	334	8	a	a	DET
fsr-3294	334	9	ge	ge	PROPN
fsr-3294	334	10	0	0	NUM
fsr-3294	334	11	.	.	PUNCT
fsr-3294	335	1	01	01	NUM
fsr-3294	336	1	*	*	PUNCT
fsr-3294	336	2	*	*	PUNCT
fsr-3294	336	3	*	*	PUNCT
fsr-3294	337	1	1	1	NUM
fsr-3294	337	2	.	.	NUM
fsr-3294	337	3	01	01	NUM
fsr-3294	337	4	�	�	PROPN
fsr-3294	337	5	0	0	NUM
fsr-3294	337	6	.	.	PUNCT
fsr-3294	338	1	01	01	NUM
fsr-3294	338	2	*	*	NOUN
fsr-3294	338	3	0	0	NUM
fsr-3294	338	4	.	.	NUM
fsr-3294	339	1	99	99	NUM
fsr-3294	339	2	0	0	NUM
fsr-3294	339	3	.	.	PUNCT
fsr-3294	340	1	01	01	NUM
fsr-3294	341	1	*	*	PUNCT
fsr-3294	341	2	*	*	PUNCT
fsr-3294	341	3	*	*	PUNCT
fsr-3294	341	4	1	1	NUM
fsr-3294	341	5	.	.	NUM
fsr-3294	341	6	01	01	NUM
fsr-3294	341	7	0	0	NUM
fsr-3294	341	8	.	.	PUNCT
fsr-3294	342	1	02	02	NUM
fsr-3294	343	1	*	*	PUNCT
fsr-3294	343	2	*	*	PUNCT
fsr-3294	343	3	*	*	PUNCT
fsr-3294	343	4	1	1	NUM
fsr-3294	343	5	.	.	NUM
fsr-3294	343	6	02	02	NUM
fsr-3294	343	7	in	in	ADP
fsr-3294	343	8	te	te	PROPN
fsr-3294	343	9	rc	rc	PROPN
fsr-3294	343	10	ep	ep	PROPN
fsr-3294	343	11	t	t	PROPN
fsr-3294	343	12	1	1	NUM
fsr-3294	343	13	�	�	PROPN
fsr-3294	343	14	2	2	NUM
fsr-3294	343	15	.	.	NUM
fsr-3294	343	16	59	59	NUM
fsr-3294	344	1	*	*	PUNCT
fsr-3294	344	2	*	*	PUNCT
fsr-3294	345	1	*	*	PUNCT
fsr-3294	345	2	0	0	NUM
fsr-3294	345	3	.	.	NUM
fsr-3294	345	4	08	08	NUM
fsr-3294	345	5	�	�	PROPN
fsr-3294	345	6	7	7	NUM
fsr-3294	345	7	.	.	NOUN
fsr-3294	345	8	26	26	NUM
fsr-3294	346	1	*	*	PUNCT
fsr-3294	346	2	*	*	PUNCT
fsr-3294	347	1	*	*	PUNCT
fsr-3294	347	2	0	0	NUM
fsr-3294	347	3	.	.	NOUN
fsr-3294	347	4	00	00	NUM
fsr-3294	348	1	�	�	PROPN
fsr-3294	348	2	4	4	NUM
fsr-3294	348	3	.	.	NUM
fsr-3294	348	4	06	06	NUM
fsr-3294	349	1	*	*	PUNCT
fsr-3294	349	2	*	*	PUNCT
fsr-3294	350	1	*	*	PUNCT
fsr-3294	350	2	0	0	X
fsr-3294	350	3	.	.	X
fsr-3294	350	4	02	02	NUM
fsr-3294	350	5	�	�	PROPN
fsr-3294	350	6	2	2	NUM
fsr-3294	350	7	.	.	NUM
fsr-3294	350	8	72	72	NUM
fsr-3294	350	9	*	*	PUNCT
fsr-3294	350	10	*	*	PUNCT
fsr-3294	350	11	*	*	PUNCT
fsr-3294	350	12	0	0	NUM
fsr-3294	350	13	.	.	NUM
fsr-3294	350	14	07	07	NUM
fsr-3294	350	15	in	in	ADP
fsr-3294	350	16	te	te	PROPN
fsr-3294	350	17	rc	rc	PROPN
fsr-3294	350	18	ep	ep	PROPN
fsr-3294	350	19	t	t	PROPN
fsr-3294	350	20	2	2	NUM
fsr-3294	350	21	�	�	PROPN
fsr-3294	350	22	0	0	NUM
fsr-3294	350	23	.	.	PUNCT
fsr-3294	351	1	30	30	NUM
fsr-3294	352	1	*	*	PUNCT
fsr-3294	352	2	*	*	NOUN
fsr-3294	352	3	0	0	NUM
fsr-3294	352	4	.	.	X
fsr-3294	352	5	74	74	NUM
fsr-3294	352	6	�	�	PROPN
fsr-3294	352	7	3	3	NUM
fsr-3294	352	8	.	.	NUM
fsr-3294	352	9	66	66	NUM
fsr-3294	353	1	*	*	PUNCT
fsr-3294	353	2	*	*	PUNCT
fsr-3294	354	1	*	*	PUNCT
fsr-3294	354	2	0	0	NUM
fsr-3294	354	3	.	.	X
fsr-3294	354	4	03	03	NUM
fsr-3294	354	5	�	�	PROPN
fsr-3294	354	6	1	1	NUM
fsr-3294	354	7	.	.	X
fsr-3294	354	8	59	59	NUM
fsr-3294	355	1	*	*	PUNCT
fsr-3294	355	2	*	*	NOUN
fsr-3294	355	3	0	0	NUM
fsr-3294	355	4	.	.	NOUN
fsr-3294	355	5	20	20	NUM
fsr-3294	355	6	�	�	PROPN
fsr-3294	355	7	0	0	NUM
fsr-3294	355	8	.	.	PUNCT
fsr-3294	356	1	58	58	NUM
fsr-3294	357	1	*	*	PUNCT
fsr-3294	357	2	*	*	NOUN
fsr-3294	357	3	0	0	NUM
fsr-3294	357	4	.	.	NUM
fsr-3294	357	5	56	56	NUM
fsr-3294	357	6	in	in	ADP
fsr-3294	357	7	te	te	PROPN
fsr-3294	357	8	rc	rc	PROPN
fsr-3294	357	9	ep	ep	PROPN
fsr-3294	357	10	t	t	PROPN
fsr-3294	357	11	3	3	NUM
fsr-3294	357	12	1	1	NUM
fsr-3294	357	13	.	.	PUNCT
fsr-3294	358	1	66	66	NUM
fsr-3294	359	1	*	*	PUNCT
fsr-3294	359	2	*	*	PUNCT
fsr-3294	360	1	*	*	PUNCT
fsr-3294	360	2	1	1	NUM
fsr-3294	360	3	.	.	X
fsr-3294	360	4	66	66	NUM
fsr-3294	360	5	�	�	PROPN
fsr-3294	360	6	1	1	NUM
fsr-3294	360	7	.	.	PUNCT
fsr-3294	360	8	31	31	NUM
fsr-3294	361	1	*	*	PUNCT
fsr-3294	361	2	*	*	PUNCT
fsr-3294	362	1	*	*	PUNCT
fsr-3294	362	2	0	0	NUM
fsr-3294	362	3	.	.	NOUN
fsr-3294	362	4	27	27	NUM
fsr-3294	362	5	0	0	NUM
fsr-3294	362	6	.	.	PUNCT
fsr-3294	363	1	28	28	NUM
fsr-3294	363	2	1	1	NUM
fsr-3294	363	3	.	.	PUNCT
fsr-3294	363	4	32	32	NUM
fsr-3294	363	5	1	1	NUM
fsr-3294	363	6	.	.	NUM
fsr-3294	363	7	35	35	NUM
fsr-3294	364	1	*	*	PUNCT
fsr-3294	364	2	*	*	PUNCT
fsr-3294	364	3	*	*	PUNCT
fsr-3294	364	4	3	3	NUM
fsr-3294	364	5	.	.	NOUN
fsr-3294	364	6	85	85	NUM
fsr-3294	364	7	n	n	PRON
fsr-3294	364	8	ot	ot	X
fsr-3294	364	9	e	e	NOUN
fsr-3294	364	10	:	:	PUNCT
fsr-3294	364	11	b	b	X
fsr-3294	364	12	�	�	PROPN
fsr-3294	364	13	co	co	X
fsr-3294	364	14	ef	ef	PROPN
fsr-3294	364	15	fic	fic	PROPN
fsr-3294	364	16	ie	ie	PROPN
fsr-3294	364	17	nt	not	PART
fsr-3294	364	18	of	of	ADP
fsr-3294	364	19	va	va	PROPN
fsr-3294	364	20	ri	ri	PROPN
fsr-3294	364	21	ab	ab	PROPN
fsr-3294	364	22	le	le	PROPN
fsr-3294	364	23	s	s	PROPN
fsr-3294	364	24	;	;	PUNCT
fsr-3294	364	25	o	o	NOUN
fsr-3294	364	26	r	r	PROPN
fsr-3294	364	27	�	�	PROPN
fsr-3294	364	28	od	od	PROPN
fsr-3294	364	29	ds	ds	PROPN
fsr-3294	364	30	ra	ra	NOUN
fsr-3294	364	31	tio	tio	NOUN
fsr-3294	364	32	.	.	PUNCT
fsr-3294	365	1	a	a	DET
fsr-3294	365	2	fo	fo	ADP
fsr-3294	365	3	r	r	NOUN
fsr-3294	365	4	to	to	ADP
fsr-3294	365	5	ta	ta	X
fsr-3294	365	6	l	l	PROPN
fsr-3294	365	7	sa	sa	PROPN
fsr-3294	365	8	m	m	VERB
fsr-3294	365	9	pl	pl	PROPN
fsr-3294	365	10	e	e	X
fsr-3294	365	11	m	m	PROPN
fsr-3294	365	12	od	od	PROPN
fsr-3294	365	13	el	el	PROPN
fsr-3294	365	14	,	,	PUNCT
fsr-3294	365	15	�	�	PROPN
fsr-3294	365	16	2	2	NUM
fsr-3294	365	17	�	�	PROPN
fsr-3294	365	18	12	12	NUM
fsr-3294	365	19	25	25	NUM
fsr-3294	365	20	.4	.4	NUM
fsr-3294	365	21	8	8	NUM
fsr-3294	365	22	*	*	PUNCT
fsr-3294	365	23	*	*	PUNCT
fsr-3294	365	24	*	*	PUNCT
fsr-3294	365	25	;	;	PUNCT
fsr-3294	365	26	ps	ps	PART
fsr-3294	365	27	eu	eu	PROPN
fsr-3294	365	28	do	do	VERB
fsr-3294	365	29	r	r	NOUN
fsr-3294	365	30	2	2	NUM
fsr-3294	365	31	�	�	PROPN
fsr-3294	365	32	.	.	PUNCT
fsr-3294	366	1	00	00	NUM
fsr-3294	367	1	9	9	NUM
fsr-3294	367	2	.	.	X
fsr-3294	368	1	b	b	NOUN
fsr-3294	368	2	fo	fo	ADP
fsr-3294	368	3	r	r	NOUN
fsr-3294	368	4	hi	hi	INTJ
fsr-3294	368	5	gh	gh	PROPN
fsr-3294	368	6	-i	-i	PROPN
fsr-3294	368	7	nc	nc	PROPN
fsr-3294	368	8	om	om	PROPN
fsr-3294	368	9	e	e	PROPN
fsr-3294	368	10	m	m	PROPN
fsr-3294	368	11	od	od	PROPN
fsr-3294	368	12	el	el	PROPN
fsr-3294	368	13	,	,	PUNCT
fsr-3294	368	14	�	�	PROPN
fsr-3294	368	15	2	2	NUM
fsr-3294	368	16	�	�	PROPN
fsr-3294	368	17	30	30	NUM
fsr-3294	368	18	.9	.9	NUM
fsr-3294	368	19	6	6	NUM
fsr-3294	368	20	*	*	PUNCT
fsr-3294	368	21	*	*	PUNCT
fsr-3294	368	22	*	*	PUNCT
fsr-3294	368	23	;	;	PUNCT
fsr-3294	368	24	ps	ps	PART
fsr-3294	368	25	eu	eu	PROPN
fsr-3294	368	26	do	do	VERB
fsr-3294	368	27	r	r	NOUN
fsr-3294	368	28	2	2	NUM
fsr-3294	368	29	�	�	PROPN
fsr-3294	368	30	0	0	NUM
fsr-3294	368	31	.	.	PROPN
fsr-3294	369	1	01	01	NUM
fsr-3294	369	2	.	.	PUNCT
fsr-3294	370	1	c	c	NOUN
fsr-3294	371	1	fo	fo	INTJ
fsr-3294	371	2	r	r	NOUN
fsr-3294	371	3	m	m	VERB
fsr-3294	371	4	i	i	PROPN
fsr-3294	371	5	d	d	PROPN
fsr-3294	371	6	dl	dl	PROPN
fsr-3294	371	7	ein	ein	PROPN
fsr-3294	371	8	co	co	VERB
fsr-3294	371	9	m	m	PROPN
fsr-3294	371	10	e	e	PROPN
fsr-3294	371	11	m	m	PROPN
fsr-3294	371	12	od	od	PROPN
fsr-3294	371	13	el	el	PROPN
fsr-3294	371	14	,	,	PUNCT
fsr-3294	371	15	�	�	PROPN
fsr-3294	371	16	2	2	NUM
fsr-3294	371	17	�	�	PROPN
fsr-3294	371	18	10	10	NUM
fsr-3294	371	19	9	9	NUM
fsr-3294	371	20	.	.	PUNCT
fsr-3294	372	1	66	66	NUM
fsr-3294	373	1	*	*	PUNCT
fsr-3294	373	2	*	*	PUNCT
fsr-3294	373	3	*	*	PUNCT
fsr-3294	373	4	;	;	PUNCT
fsr-3294	373	5	ps	ps	AUX
fsr-3294	373	6	eu	eu	PROPN
fsr-3294	373	7	do	do	VERB
fsr-3294	373	8	r	r	NOUN
fsr-3294	373	9	2	2	NUM
fsr-3294	373	10	�	�	PROPN
fsr-3294	373	11	0	0	NUM
fsr-3294	373	12	.	.	PROPN
fsr-3294	373	13	03	03	NUM
fsr-3294	373	14	.	.	PUNCT
fsr-3294	374	1	d	d	NOUN
fsr-3294	374	2	fo	fo	INTJ
fsr-3294	375	1	r	r	NOUN
fsr-3294	375	2	lo	lo	PROPN
fsr-3294	375	3	w	w	PROPN
fsr-3294	375	4	-i	-i	PROPN
fsr-3294	375	5	nc	nc	PROPN
fsr-3294	375	6	om	om	PROPN
fsr-3294	375	7	e	e	PROPN
fsr-3294	375	8	m	m	PROPN
fsr-3294	375	9	od	od	PROPN
fsr-3294	375	10	el	el	PROPN
fsr-3294	375	11	,	,	PUNCT
fsr-3294	375	12	�	�	PROPN
fsr-3294	375	13	2	2	NUM
fsr-3294	375	14	�	�	PROPN
fsr-3294	375	15	13	13	NUM
fsr-3294	375	16	6	6	NUM
fsr-3294	375	17	.	.	PUNCT
fsr-3294	376	1	50	50	NUM
fsr-3294	376	2	*	*	PUNCT
fsr-3294	376	3	*	*	PUNCT
fsr-3294	376	4	*	*	PUNCT
fsr-3294	376	5	;	;	PUNCT
fsr-3294	376	6	ps	ps	AUX
fsr-3294	376	7	eu	eu	PROPN
fsr-3294	376	8	do	do	AUX
fsr-3294	376	9	r	r	NOUN
fsr-3294	376	10	2	2	NUM
fsr-3294	376	11	�	�	PROPN
fsr-3294	376	12	0	0	NUM
fsr-3294	376	13	.	.	NOUN
fsr-3294	376	14	04	04	NUM
fsr-3294	376	15	.	.	PUNCT
fsr-3294	377	1	*	*	PUNCT
fsr-3294	377	2	p	p	X
fsr-3294	377	3	�	�	PROPN
fsr-3294	377	4	.0	.0	NUM
fsr-3294	377	5	5	5	NUM
fsr-3294	377	6	;	;	PUNCT
fsr-3294	377	7	*	*	PUNCT
fsr-3294	377	8	*	*	PUNCT
fsr-3294	377	9	p	p	X
fsr-3294	377	10	�	�	PROPN
fsr-3294	377	11	.0	.0	NUM
fsr-3294	377	12	1	1	NUM
fsr-3294	377	13	;	;	PUNCT
fsr-3294	377	14	*	*	PUNCT
fsr-3294	377	15	*	*	PUNCT
fsr-3294	377	16	*	*	PUNCT
fsr-3294	377	17	p	p	X
fsr-3294	377	18	�	�	PROPN
fsr-3294	377	19	.0	.0	NUM
fsr-3294	377	20	01	01	NUM
fsr-3294	377	21	.	.	PUNCT
fsr-3294	378	1	32	32	NUM
fsr-3294	378	2	c.	c.	PROPN
fsr-3294	378	3	hudson	hudson	PROPN
fsr-3294	378	4	et	et	PROPN
fsr-3294	378	5	al	al	PROPN
fsr-3294	378	6	.	.	PUNCT
fsr-3294	378	7	/	/	SYM
fsr-3294	378	8	financial	financial	ADJ
fsr-3294	378	9	services	service	NOUN
fsr-3294	378	10	review	review	VERB
fsr-3294	378	11	26	26	NUM
fsr-3294	378	12	(	(	PUNCT
fsr-3294	378	13	2017	2017	NUM
fsr-3294	378	14	)	)	PUNCT
fsr-3294	378	15	19–36	19–36	NUM
fsr-3294	378	16	6	6	NUM
fsr-3294	378	17	.	.	PUNCT
fsr-3294	379	1	discussion	discussion	NOUN
fsr-3294	379	2	and	and	CCONJ
fsr-3294	379	3	implications	implication	NOUN
fsr-3294	379	4	this	this	DET
fsr-3294	379	5	study	study	NOUN
fsr-3294	379	6	found	find	VERB
fsr-3294	379	7	that	that	SCONJ
fsr-3294	379	8	the	the	DET
fsr-3294	379	9	overall	overall	ADJ
fsr-3294	379	10	savings	saving	NOUN
fsr-3294	379	11	behavior	behavior	NOUN
fsr-3294	379	12	of	of	ADP
fsr-3294	379	13	all	all	DET
fsr-3294	379	14	employees	employee	NOUN
fsr-3294	379	15	improved	improve	VERB
fsr-3294	379	16	following	follow	VERB
fsr-3294	379	17	the	the	DET
fsr-3294	379	18	2007–2009	2007–2009	NUM
fsr-3294	379	19	financial	financial	ADJ
fsr-3294	379	20	crisis	crisis	NOUN
fsr-3294	379	21	relative	relative	ADJ
fsr-3294	379	22	to	to	ADP
fsr-3294	379	23	pre	pre	ADJ
fsr-3294	379	24	-	-	ADJ
fsr-3294	379	25	financial	financial	ADJ
fsr-3294	379	26	crisis	crisis	NOUN
fsr-3294	379	27	practices	practice	NOUN
fsr-3294	379	28	and	and	CCONJ
fsr-3294	379	29	persisted	persist	VERB
fsr-3294	379	30	for	for	ADP
fsr-3294	379	31	several	several	ADJ
fsr-3294	379	32	years	year	NOUN
fsr-3294	379	33	following	follow	VERB
fsr-3294	379	34	the	the	DET
fsr-3294	379	35	crisis	crisis	NOUN
fsr-3294	379	36	.	.	PUNCT
fsr-3294	380	1	even	even	ADV
fsr-3294	380	2	among	among	ADP
fsr-3294	380	3	low	low	ADJ
fsr-3294	380	4	-	-	PUNCT
fsr-3294	380	5	income	income	NOUN
fsr-3294	380	6	working	work	VERB
fsr-3294	380	7	households	household	NOUN
fsr-3294	380	8	,	,	PUNCT
fsr-3294	380	9	savings	saving	NOUN
fsr-3294	380	10	practices	practice	NOUN
fsr-3294	380	11	are	be	AUX
fsr-3294	380	12	flexible	flexible	ADJ
fsr-3294	380	13	and	and	CCONJ
fsr-3294	380	14	can	can	AUX
fsr-3294	380	15	be	be	AUX
fsr-3294	380	16	altered	alter	VERB
fsr-3294	380	17	.	.	PUNCT
fsr-3294	381	1	while	while	SCONJ
fsr-3294	381	2	the	the	DET
fsr-3294	381	3	financial	financial	ADJ
fsr-3294	381	4	crisis	crisis	NOUN
fsr-3294	381	5	was	be	AUX
fsr-3294	381	6	an	an	DET
fsr-3294	381	7	extreme	extreme	ADJ
fsr-3294	381	8	external	external	ADJ
fsr-3294	381	9	event	event	NOUN
fsr-3294	381	10	,	,	PUNCT
fsr-3294	381	11	the	the	DET
fsr-3294	381	12	findings	finding	NOUN
fsr-3294	381	13	of	of	ADP
fsr-3294	381	14	this	this	DET
fsr-3294	381	15	study	study	NOUN
fsr-3294	381	16	suggest	suggest	VERB
fsr-3294	381	17	that	that	SCONJ
fsr-3294	381	18	low	low	ADJ
fsr-3294	381	19	-	-	PUNCT
fsr-3294	381	20	income	income	NOUN
fsr-3294	381	21	employees	employee	NOUN
fsr-3294	381	22	’	’	PART
fsr-3294	381	23	savings	saving	NOUN
fsr-3294	381	24	behaviors	behavior	NOUN
fsr-3294	381	25	are	be	AUX
fsr-3294	381	26	malleable	malleable	ADJ
fsr-3294	381	27	despite	despite	SCONJ
fsr-3294	381	28	limited	limited	ADJ
fsr-3294	381	29	income	income	NOUN
fsr-3294	381	30	.	.	PUNCT
fsr-3294	382	1	the	the	DET
fsr-3294	382	2	savings	saving	NOUN
fsr-3294	382	3	behavior	behavior	NOUN
fsr-3294	382	4	findings	finding	NOUN
fsr-3294	382	5	of	of	ADP
fsr-3294	382	6	all	all	DET
fsr-3294	382	7	employees	employee	NOUN
fsr-3294	382	8	in	in	ADP
fsr-3294	382	9	this	this	DET
fsr-3294	382	10	study	study	NOUN
fsr-3294	382	11	were	be	AUX
fsr-3294	382	12	consistent	consistent	ADJ
fsr-3294	382	13	with	with	ADP
fsr-3294	382	14	results	result	NOUN
fsr-3294	382	15	from	from	ADP
fsr-3294	382	16	previous	previous	ADJ
fsr-3294	382	17	studies	study	NOUN
fsr-3294	382	18	that	that	PRON
fsr-3294	382	19	also	also	ADV
fsr-3294	382	20	examined	examine	VERB
fsr-3294	382	21	the	the	DET
fsr-3294	382	22	effects	effect	NOUN
fsr-3294	382	23	of	of	ADP
fsr-3294	382	24	a	a	DET
fsr-3294	382	25	financial	financial	ADJ
fsr-3294	382	26	crisis	crisis	NOUN
fsr-3294	382	27	on	on	ADP
fsr-3294	382	28	savings	saving	NOUN
fsr-3294	382	29	behaviors	behavior	NOUN
fsr-3294	382	30	of	of	ADP
fsr-3294	382	31	the	the	DET
fsr-3294	382	32	general	general	ADJ
fsr-3294	382	33	population	population	NOUN
fsr-3294	382	34	(	(	PUNCT
fsr-3294	382	35	fidelity	fidelity	PROPN
fsr-3294	382	36	investments	investment	NOUN
fsr-3294	382	37	,	,	PUNCT
fsr-3294	382	38	2013	2013	NUM
fsr-3294	382	39	;	;	PUNCT
fsr-3294	382	40	o’neill	o’neill	PROPN
fsr-3294	382	41	&	&	CCONJ
fsr-3294	382	42	xiao	xiao	PROPN
fsr-3294	382	43	,	,	PUNCT
fsr-3294	382	44	2012	2012	NUM
fsr-3294	382	45	)	)	PUNCT
fsr-3294	382	46	.	.	PUNCT
fsr-3294	383	1	in	in	ADP
fsr-3294	383	2	particular	particular	ADJ
fsr-3294	383	3	,	,	PUNCT
fsr-3294	383	4	o’neill	o’neill	PROPN
fsr-3294	383	5	and	and	CCONJ
fsr-3294	383	6	xiao	xiao	PROPN
fsr-3294	383	7	’s	’s	PART
fsr-3294	383	8	(	(	PUNCT
fsr-3294	383	9	2012	2012	NUM
fsr-3294	383	10	)	)	PUNCT
fsr-3294	383	11	study	study	NOUN
fsr-3294	383	12	utilized	utilize	VERB
fsr-3294	383	13	a	a	DET
fsr-3294	383	14	similar	similar	ADJ
fsr-3294	383	15	methodology	methodology	NOUN
fsr-3294	383	16	of	of	ADP
fsr-3294	383	17	this	this	DET
fsr-3294	383	18	study	study	NOUN
fsr-3294	383	19	to	to	PART
fsr-3294	383	20	examine	examine	VERB
fsr-3294	383	21	preand	preand	NOUN
fsr-3294	383	22	post	post	ADJ
fsr-3294	383	23	-	-	ADJ
fsr-3294	383	24	financial	financial	ADJ
fsr-3294	383	25	behaviors	behavior	NOUN
fsr-3294	383	26	.	.	PUNCT
fsr-3294	384	1	similar	similar	ADJ
fsr-3294	384	2	to	to	ADP
fsr-3294	384	3	this	this	DET
fsr-3294	384	4	study	study	NOUN
fsr-3294	384	5	,	,	PUNCT
fsr-3294	384	6	o’neill	o’neill	PROPN
fsr-3294	384	7	and	and	CCONJ
fsr-3294	384	8	xiao	xiao	PROPN
fsr-3294	384	9	(	(	PUNCT
fsr-3294	384	10	2012	2012	NUM
fsr-3294	384	11	)	)	PUNCT
fsr-3294	384	12	found	find	VERB
fsr-3294	384	13	that	that	SCONJ
fsr-3294	384	14	the	the	DET
fsr-3294	384	15	participants	participant	NOUN
fsr-3294	384	16	’	'	PUNCT
fsr-3294	384	17	savings	saving	NOUN
fsr-3294	384	18	behavior	behavior	NOUN
fsr-3294	384	19	was	be	AUX
fsr-3294	384	20	better	well	ADJ
fsr-3294	384	21	after	after	ADP
fsr-3294	384	22	the	the	DET
fsr-3294	384	23	2007–2009	2007–2009	NUM
fsr-3294	384	24	financial	financial	ADJ
fsr-3294	384	25	crisis	crisis	NOUN
fsr-3294	384	26	.	.	PUNCT
fsr-3294	385	1	likewise	likewise	ADV
fsr-3294	385	2	,	,	PUNCT
fsr-3294	385	3	the	the	DET
fsr-3294	385	4	fidelity	fidelity	NOUN
fsr-3294	385	5	(	(	PUNCT
fsr-3294	385	6	2013	2013	NUM
fsr-3294	385	7	)	)	PUNCT
fsr-3294	385	8	study	study	NOUN
fsr-3294	385	9	saw	see	VERB
fsr-3294	385	10	an	an	DET
fsr-3294	385	11	increase	increase	NOUN
fsr-3294	385	12	in	in	ADP
fsr-3294	385	13	participants	participant	NOUN
fsr-3294	385	14	’	'	PUNCT
fsr-3294	385	15	emergency	emergency	NOUN
fsr-3294	385	16	funds	fund	NOUN
fsr-3294	385	17	and	and	CCONJ
fsr-3294	385	18	retirement	retirement	NOUN
fsr-3294	385	19	savings	saving	NOUN
fsr-3294	385	20	after	after	ADP
fsr-3294	385	21	the	the	DET
fsr-3294	385	22	2007–2009	2007–2009	NUM
fsr-3294	385	23	financial	financial	ADJ
fsr-3294	385	24	crisis	crisis	NOUN
fsr-3294	385	25	as	as	SCONJ
fsr-3294	385	26	opposed	oppose	VERB
fsr-3294	385	27	to	to	ADP
fsr-3294	385	28	before	before	ADP
fsr-3294	385	29	the	the	DET
fsr-3294	385	30	crisis	crisis	NOUN
fsr-3294	385	31	.	.	PUNCT
fsr-3294	386	1	moreover	moreover	ADV
fsr-3294	386	2	,	,	PUNCT
fsr-3294	386	3	the	the	DET
fsr-3294	386	4	cash	cash	NOUN
fsr-3294	386	5	flow	flow	NOUN
fsr-3294	386	6	management	management	NOUN
fsr-3294	386	7	behaviors	behavior	NOUN
fsr-3294	386	8	of	of	ADP
fsr-3294	386	9	employees	employee	NOUN
fsr-3294	386	10	,	,	PUNCT
fsr-3294	386	11	in	in	ADP
fsr-3294	386	12	general	general	ADJ
fsr-3294	386	13	,	,	PUNCT
fsr-3294	386	14	improved	improve	VERB
fsr-3294	386	15	after	after	ADP
fsr-3294	386	16	the	the	DET
fsr-3294	386	17	2007–2009	2007–2009	NUM
fsr-3294	386	18	financial	financial	ADJ
fsr-3294	386	19	crisis	crisis	NOUN
fsr-3294	386	20	.	.	PUNCT
fsr-3294	387	1	however	however	ADV
fsr-3294	387	2	,	,	PUNCT
fsr-3294	387	3	when	when	SCONJ
fsr-3294	387	4	the	the	DET
fsr-3294	387	5	sample	sample	NOUN
fsr-3294	387	6	was	be	AUX
fsr-3294	387	7	segmented	segment	VERB
fsr-3294	387	8	by	by	ADP
fsr-3294	387	9	income	income	NOUN
fsr-3294	387	10	,	,	PUNCT
fsr-3294	387	11	only	only	ADV
fsr-3294	387	12	middle	middle	ADJ
fsr-3294	387	13	-	-	PUNCT
fsr-3294	387	14	income	income	NOUN
fsr-3294	387	15	employees	employee	NOUN
fsr-3294	387	16	’	’	PART
fsr-3294	387	17	cash	cash	NOUN
fsr-3294	387	18	flow	flow	NOUN
fsr-3294	387	19	management	management	NOUN
fsr-3294	387	20	behavior	behavior	NOUN
fsr-3294	387	21	,	,	PUNCT
fsr-3294	387	22	as	as	ADP
fsr-3294	387	23	a	a	DET
fsr-3294	387	24	group	group	NOUN
fsr-3294	387	25	,	,	PUNCT
fsr-3294	387	26	was	be	AUX
fsr-3294	387	27	more	more	ADV
fsr-3294	387	28	likely	likely	ADJ
fsr-3294	387	29	to	to	PART
fsr-3294	387	30	improve	improve	VERB
fsr-3294	387	31	following	follow	VERB
fsr-3294	387	32	the	the	DET
fsr-3294	387	33	financial	financial	ADJ
fsr-3294	387	34	crisis	crisis	NOUN
fsr-3294	387	35	,	,	PUNCT
fsr-3294	387	36	while	while	SCONJ
fsr-3294	387	37	the	the	DET
fsr-3294	387	38	cash	cash	NOUN
fsr-3294	387	39	flow	flow	NOUN
fsr-3294	387	40	management	management	NOUN
fsr-3294	387	41	behaviors	behavior	NOUN
fsr-3294	387	42	of	of	ADP
fsr-3294	387	43	low	low	ADJ
fsr-3294	387	44	-	-	PUNCT
fsr-3294	387	45	income	income	NOUN
fsr-3294	387	46	and	and	CCONJ
fsr-3294	387	47	high	high	ADJ
fsr-3294	387	48	-	-	PUNCT
fsr-3294	387	49	income	income	NOUN
fsr-3294	387	50	employees	employee	NOUN
fsr-3294	387	51	were	be	AUX
fsr-3294	387	52	unchanged	unchanged	ADJ
fsr-3294	387	53	after	after	ADP
fsr-3294	387	54	the	the	DET
fsr-3294	387	55	financial	financial	ADJ
fsr-3294	387	56	crisis	crisis	NOUN
fsr-3294	387	57	.	.	PUNCT
fsr-3294	388	1	similarly	similarly	ADV
fsr-3294	388	2	,	,	PUNCT
fsr-3294	388	3	in	in	ADP
fsr-3294	388	4	the	the	DET
fsr-3294	388	5	o’neill	o’neill	NOUN
fsr-3294	388	6	and	and	CCONJ
fsr-3294	388	7	xiao	xiao	PROPN
fsr-3294	388	8	(	(	PUNCT
fsr-3294	388	9	2012	2012	NUM
fsr-3294	388	10	)	)	PUNCT
fsr-3294	388	11	study	study	NOUN
fsr-3294	388	12	,	,	PUNCT
fsr-3294	388	13	participants	participant	NOUN
fsr-3294	388	14	’	'	PUNCT
fsr-3294	388	15	budgeting	budget	VERB
fsr-3294	388	16	and	and	CCONJ
fsr-3294	388	17	spending	spending	NOUN
fsr-3294	388	18	behaviors	behavior	NOUN
fsr-3294	388	19	,	,	PUNCT
fsr-3294	388	20	which	which	PRON
fsr-3294	388	21	is	be	AUX
fsr-3294	388	22	typically	typically	ADV
fsr-3294	388	23	considered	consider	VERB
fsr-3294	388	24	cash	cash	NOUN
fsr-3294	388	25	flow	flow	NOUN
fsr-3294	388	26	management	management	NOUN
fsr-3294	388	27	behaviors	behavior	NOUN
fsr-3294	388	28	,	,	PUNCT
fsr-3294	388	29	improved	improve	VERB
fsr-3294	388	30	after	after	ADP
fsr-3294	388	31	the	the	DET
fsr-3294	388	32	2007–2009	2007–2009	NUM
fsr-3294	388	33	financial	financial	ADJ
fsr-3294	388	34	crisis	crisis	NOUN
fsr-3294	388	35	.	.	PUNCT
fsr-3294	389	1	moreover	moreover	ADV
fsr-3294	389	2	,	,	PUNCT
fsr-3294	389	3	in	in	ADP
fsr-3294	389	4	the	the	DET
fsr-3294	389	5	fidelity	fidelity	NOUN
fsr-3294	389	6	(	(	PUNCT
fsr-3294	389	7	2013	2013	NUM
fsr-3294	389	8	)	)	PUNCT
fsr-3294	389	9	study	study	NOUN
fsr-3294	389	10	,	,	PUNCT
fsr-3294	389	11	participants	participant	NOUN
fsr-3294	389	12	decreased	decrease	VERB
fsr-3294	389	13	their	their	PRON
fsr-3294	389	14	debt	debt	NOUN
fsr-3294	389	15	after	after	ADP
fsr-3294	389	16	the	the	DET
fsr-3294	389	17	2007–2009	2007–2009	NUM
fsr-3294	389	18	crisis	crisis	NOUN
fsr-3294	389	19	,	,	PUNCT
fsr-3294	389	20	which	which	PRON
fsr-3294	389	21	would	would	AUX
fsr-3294	389	22	increase	increase	VERB
fsr-3294	389	23	participants	participant	NOUN
fsr-3294	389	24	’	'	PUNCT
fsr-3294	389	25	cash	cash	NOUN
fsr-3294	389	26	flow	flow	NOUN
fsr-3294	389	27	.	.	PUNCT
fsr-3294	390	1	this	this	DET
fsr-3294	390	2	study	study	NOUN
fsr-3294	390	3	has	have	VERB
fsr-3294	390	4	very	very	ADV
fsr-3294	390	5	practical	practical	ADJ
fsr-3294	390	6	implications	implication	NOUN
fsr-3294	390	7	for	for	ADP
fsr-3294	390	8	employers	employer	NOUN
fsr-3294	390	9	and	and	CCONJ
fsr-3294	390	10	financial	financial	ADJ
fsr-3294	390	11	planners	planner	NOUN
fsr-3294	390	12	who	who	PRON
fsr-3294	390	13	advise	advise	VERB
fsr-3294	390	14	on	on	ADP
fsr-3294	390	15	retirement	retirement	NOUN
fsr-3294	390	16	plans	plan	NOUN
fsr-3294	390	17	and	and	CCONJ
fsr-3294	390	18	who	who	PRON
fsr-3294	390	19	are	be	AUX
fsr-3294	390	20	looking	look	VERB
fsr-3294	390	21	for	for	ADP
fsr-3294	390	22	ways	way	NOUN
fsr-3294	390	23	to	to	PART
fsr-3294	390	24	increase	increase	VERB
fsr-3294	390	25	employee	employee	NOUN
fsr-3294	390	26	participation	participation	NOUN
fsr-3294	390	27	and	and	CCONJ
fsr-3294	390	28	contribution	contribution	NOUN
fsr-3294	390	29	rates	rate	NOUN
fsr-3294	390	30	in	in	ADP
fsr-3294	390	31	their	their	PRON
fsr-3294	390	32	retirement	retirement	NOUN
fsr-3294	390	33	plans	plan	NOUN
fsr-3294	390	34	.	.	PUNCT
fsr-3294	391	1	all	all	DET
fsr-3294	391	2	employees	employee	NOUN
fsr-3294	391	3	,	,	PUNCT
fsr-3294	391	4	regardless	regardless	ADV
fsr-3294	391	5	of	of	ADP
fsr-3294	391	6	income	income	NOUN
fsr-3294	391	7	level	level	NOUN
fsr-3294	391	8	,	,	PUNCT
fsr-3294	391	9	can	can	AUX
fsr-3294	391	10	adjust	adjust	VERB
fsr-3294	391	11	their	their	PRON
fsr-3294	391	12	savings	saving	NOUN
fsr-3294	391	13	behavior	behavior	NOUN
fsr-3294	391	14	.	.	PUNCT
fsr-3294	392	1	employers	employer	NOUN
fsr-3294	392	2	and	and	CCONJ
fsr-3294	392	3	retirement	retirement	NOUN
fsr-3294	392	4	plan	plan	PROPN
fsr-3294	392	5	advisers	adviser	NOUN
fsr-3294	392	6	,	,	PUNCT
fsr-3294	392	7	who	who	PRON
fsr-3294	392	8	conduct	conduct	VERB
fsr-3294	392	9	new	new	ADJ
fsr-3294	392	10	-	-	PUNCT
fsr-3294	392	11	hire	hire	NOUN
fsr-3294	392	12	enrollment	enrollment	NOUN
fsr-3294	392	13	seminars	seminar	NOUN
fsr-3294	392	14	or	or	CCONJ
fsr-3294	392	15	ongoing	ongoing	ADJ
fsr-3294	392	16	outreach	outreach	NOUN
fsr-3294	392	17	to	to	PART
fsr-3294	392	18	plan	plan	VERB
fsr-3294	392	19	participants	participant	NOUN
fsr-3294	392	20	,	,	PUNCT
fsr-3294	392	21	should	should	AUX
fsr-3294	392	22	focus	focus	VERB
fsr-3294	392	23	on	on	ADP
fsr-3294	392	24	motivating	motivate	VERB
fsr-3294	392	25	increased	increase	VERB
fsr-3294	392	26	savings	saving	NOUN
fsr-3294	392	27	since	since	SCONJ
fsr-3294	392	28	savings	saving	NOUN
fsr-3294	392	29	behavior	behavior	NOUN
fsr-3294	392	30	appears	appear	VERB
fsr-3294	392	31	to	to	PART
fsr-3294	392	32	be	be	AUX
fsr-3294	392	33	flexible	flexible	ADJ
fsr-3294	392	34	.	.	PUNCT
fsr-3294	393	1	when	when	SCONJ
fsr-3294	393	2	thinking	think	VERB
fsr-3294	393	3	about	about	ADP
fsr-3294	393	4	motivating	motivate	VERB
fsr-3294	393	5	increased	increase	VERB
fsr-3294	393	6	savings	saving	NOUN
fsr-3294	393	7	in	in	ADP
fsr-3294	393	8	an	an	DET
fsr-3294	393	9	employer	employer	NOUN
fsr-3294	393	10	-	-	PUNCT
fsr-3294	393	11	sponsored	sponsor	VERB
fsr-3294	393	12	retirement	retirement	NOUN
fsr-3294	393	13	plan	plan	NOUN
fsr-3294	393	14	,	,	PUNCT
fsr-3294	393	15	less	less	ADJ
fsr-3294	393	16	emphasis	emphasis	NOUN
fsr-3294	393	17	should	should	AUX
fsr-3294	393	18	be	be	AUX
fsr-3294	393	19	placed	place	VERB
fsr-3294	393	20	on	on	ADP
fsr-3294	393	21	cash	cash	NOUN
fsr-3294	393	22	flow	flow	NOUN
fsr-3294	393	23	management	management	NOUN
fsr-3294	393	24	behaviors	behavior	NOUN
fsr-3294	393	25	such	such	ADJ
fsr-3294	393	26	as	as	ADP
fsr-3294	393	27	banking	banking	NOUN
fsr-3294	393	28	relationships	relationship	NOUN
fsr-3294	393	29	,	,	PUNCT
fsr-3294	393	30	debt	debt	NOUN
fsr-3294	393	31	management	management	NOUN
fsr-3294	393	32	,	,	PUNCT
fsr-3294	393	33	and	and	CCONJ
fsr-3294	393	34	spending	spending	NOUN
fsr-3294	393	35	behaviors	behavior	NOUN
fsr-3294	393	36	,	,	PUNCT
fsr-3294	393	37	since	since	SCONJ
fsr-3294	393	38	these	these	DET
fsr-3294	393	39	behaviors	behavior	NOUN
fsr-3294	393	40	seem	seem	VERB
fsr-3294	393	41	less	less	ADV
fsr-3294	393	42	responsive	responsive	ADJ
fsr-3294	393	43	to	to	PART
fsr-3294	393	44	change	change	VERB
fsr-3294	393	45	.	.	PUNCT
fsr-3294	394	1	savings	saving	NOUN
fsr-3294	394	2	behavior	behavior	NOUN
fsr-3294	394	3	appears	appear	VERB
fsr-3294	394	4	to	to	PART
fsr-3294	394	5	be	be	AUX
fsr-3294	394	6	more	more	ADV
fsr-3294	394	7	responsive	responsive	ADJ
fsr-3294	394	8	to	to	PART
fsr-3294	394	9	change	change	VERB
fsr-3294	394	10	;	;	PUNCT
fsr-3294	394	11	therefore	therefore	ADV
fsr-3294	394	12	,	,	PUNCT
fsr-3294	394	13	employers	employer	NOUN
fsr-3294	394	14	and	and	CCONJ
fsr-3294	394	15	retirement	retirement	NOUN
fsr-3294	394	16	plan	plan	NOUN
fsr-3294	394	17	sponsors	sponsor	NOUN
fsr-3294	394	18	should	should	AUX
fsr-3294	394	19	target	target	VERB
fsr-3294	394	20	it	it	PRON
fsr-3294	394	21	directly	directly	ADV
fsr-3294	394	22	.	.	PUNCT
fsr-3294	395	1	strategies	strategy	NOUN
fsr-3294	395	2	that	that	PRON
fsr-3294	395	3	incorporate	incorporate	VERB
fsr-3294	395	4	processes	process	NOUN
fsr-3294	395	5	of	of	ADP
fsr-3294	395	6	the	the	DET
fsr-3294	395	7	transtheoretical	transtheoretical	ADJ
fsr-3294	395	8	model	model	NOUN
fsr-3294	395	9	of	of	ADP
fsr-3294	395	10	change	change	NOUN
fsr-3294	395	11	will	will	AUX
fsr-3294	395	12	provide	provide	VERB
fsr-3294	395	13	low	low	ADJ
fsr-3294	395	14	-	-	PUNCT
fsr-3294	395	15	income	income	NOUN
fsr-3294	395	16	employees	employee	NOUN
fsr-3294	395	17	greater	great	ADJ
fsr-3294	395	18	intrinsic	intrinsic	ADJ
fsr-3294	395	19	motivation	motivation	NOUN
fsr-3294	395	20	to	to	PART
fsr-3294	395	21	change	change	VERB
fsr-3294	395	22	their	their	PRON
fsr-3294	395	23	savings	saving	NOUN
fsr-3294	395	24	behavior	behavior	NOUN
fsr-3294	395	25	.	.	PUNCT
fsr-3294	396	1	financial	financial	ADJ
fsr-3294	396	2	planners	planner	NOUN
fsr-3294	396	3	may	may	AUX
fsr-3294	396	4	find	find	VERB
fsr-3294	396	5	that	that	SCONJ
fsr-3294	396	6	consciousness	consciousness	NOUN
fsr-3294	396	7	raising	raise	VERB
fsr-3294	396	8	activities	activity	NOUN
fsr-3294	396	9	with	with	ADP
fsr-3294	396	10	a	a	DET
fsr-3294	396	11	focus	focus	NOUN
fsr-3294	396	12	on	on	ADP
fsr-3294	396	13	fostering	foster	VERB
fsr-3294	396	14	an	an	DET
fsr-3294	396	15	emotional	emotional	ADJ
fsr-3294	396	16	response	response	NOUN
fsr-3294	396	17	(	(	PUNCT
fsr-3294	396	18	dramatic	dramatic	ADJ
fsr-3294	396	19	relief	relief	NOUN
fsr-3294	396	20	)	)	PUNCT
fsr-3294	396	21	from	from	ADP
fsr-3294	396	22	potential	potential	ADJ
fsr-3294	396	23	participants	participant	NOUN
fsr-3294	396	24	are	be	AUX
fsr-3294	396	25	important	important	ADJ
fsr-3294	396	26	first	first	ADJ
fsr-3294	396	27	steps	step	NOUN
fsr-3294	396	28	.	.	PUNCT
fsr-3294	397	1	given	give	VERB
fsr-3294	397	2	the	the	DET
fsr-3294	397	3	lasting	last	VERB
fsr-3294	397	4	change	change	NOUN
fsr-3294	397	5	observed	observe	VERB
fsr-3294	397	6	in	in	ADP
fsr-3294	397	7	this	this	DET
fsr-3294	397	8	study	study	NOUN
fsr-3294	397	9	,	,	PUNCT
fsr-3294	397	10	one	one	NUM
fsr-3294	397	11	way	way	NOUN
fsr-3294	397	12	financial	financial	ADJ
fsr-3294	397	13	advisors	advisor	NOUN
fsr-3294	397	14	could	could	AUX
fsr-3294	397	15	trigger	trigger	VERB
fsr-3294	397	16	the	the	DET
fsr-3294	397	17	desired	desire	VERB
fsr-3294	397	18	emotional	emotional	ADJ
fsr-3294	397	19	response	response	NOUN
fsr-3294	397	20	is	be	AUX
fsr-3294	397	21	to	to	PART
fsr-3294	397	22	appropriately	appropriately	ADV
fsr-3294	397	23	rekindle	rekindle	VERB
fsr-3294	397	24	emotions	emotion	NOUN
fsr-3294	397	25	connected	connect	VERB
fsr-3294	397	26	with	with	ADP
fsr-3294	397	27	the	the	DET
fsr-3294	397	28	financial	financial	ADJ
fsr-3294	397	29	crisis	crisis	NOUN
fsr-3294	397	30	.	.	PUNCT
fsr-3294	398	1	plan	plan	NOUN
fsr-3294	398	2	sponsors	sponsor	NOUN
fsr-3294	398	3	and	and	CCONJ
fsr-3294	398	4	advisors	advisor	NOUN
fsr-3294	398	5	should	should	AUX
fsr-3294	398	6	also	also	ADV
fsr-3294	398	7	consider	consider	VERB
fsr-3294	398	8	providing	provide	VERB
fsr-3294	398	9	opportunities	opportunity	NOUN
fsr-3294	398	10	for	for	ADP
fsr-3294	398	11	lowincome	lowincome	NOUN
fsr-3294	398	12	employees	employee	NOUN
fsr-3294	398	13	to	to	AUX
fsr-3294	398	14	self	self	NOUN
fsr-3294	398	15	-	-	PUNCT
fsr-3294	398	16	identify	identify	VERB
fsr-3294	398	17	as	as	ADP
fsr-3294	398	18	savers	saver	NOUN
fsr-3294	398	19	(	(	PUNCT
fsr-3294	398	20	self	self	NOUN
fsr-3294	398	21	-	-	PUNCT
fsr-3294	398	22	reevaluation	reevaluation	NOUN
fsr-3294	398	23	)	)	PUNCT
fsr-3294	398	24	and	and	CCONJ
fsr-3294	398	25	then	then	ADV
fsr-3294	398	26	also	also	ADV
fsr-3294	398	27	provide	provide	VERB
fsr-3294	398	28	strong	strong	ADJ
fsr-3294	398	29	33c	33c	NOUN
fsr-3294	398	30	.	.	PUNCT
fsr-3294	399	1	hudson	hudson	PROPN
fsr-3294	399	2	et	et	PROPN
fsr-3294	399	3	al	al	PROPN
fsr-3294	399	4	.	.	PUNCT
fsr-3294	399	5	/	/	SYM
fsr-3294	399	6	financial	financial	ADJ
fsr-3294	399	7	services	service	NOUN
fsr-3294	399	8	review	review	VERB
fsr-3294	399	9	26	26	NUM
fsr-3294	399	10	(	(	PUNCT
fsr-3294	399	11	2017	2017	NUM
fsr-3294	399	12	)	)	PUNCT
fsr-3294	399	13	19–36	19–36	NUM
fsr-3294	399	14	public	public	ADJ
fsr-3294	399	15	reinforcement	reinforcement	NOUN
fsr-3294	399	16	of	of	ADP
fsr-3294	399	17	positive	positive	ADJ
fsr-3294	399	18	savings	saving	NOUN
fsr-3294	399	19	decisions	decision	NOUN
fsr-3294	399	20	.	.	PUNCT
fsr-3294	400	1	these	these	DET
fsr-3294	400	2	strategies	strategy	NOUN
fsr-3294	400	3	coupled	couple	VERB
fsr-3294	400	4	with	with	ADP
fsr-3294	400	5	easy	easy	ADJ
fsr-3294	400	6	enrollment	enrollment	NOUN
fsr-3294	400	7	procedures	procedure	NOUN
fsr-3294	400	8	,	,	PUNCT
fsr-3294	400	9	matching	matching	NOUN
fsr-3294	400	10	contributions	contribution	NOUN
fsr-3294	400	11	,	,	PUNCT
fsr-3294	400	12	and	and	CCONJ
fsr-3294	400	13	simplified	simplified	ADJ
fsr-3294	400	14	investment	investment	NOUN
fsr-3294	400	15	options	option	NOUN
fsr-3294	400	16	may	may	AUX
fsr-3294	400	17	be	be	AUX
fsr-3294	400	18	effective	effective	ADJ
fsr-3294	400	19	strategies	strategy	NOUN
fsr-3294	400	20	in	in	ADP
fsr-3294	400	21	inducing	induce	VERB
fsr-3294	400	22	savings	saving	NOUN
fsr-3294	400	23	behavior	behavior	NOUN
fsr-3294	400	24	change	change	NOUN
fsr-3294	400	25	among	among	ADP
fsr-3294	400	26	employees	employee	NOUN
fsr-3294	400	27	,	,	PUNCT
fsr-3294	400	28	particularly	particularly	ADV
fsr-3294	400	29	among	among	ADP
fsr-3294	400	30	low	low	ADJ
fsr-3294	400	31	-	-	PUNCT
fsr-3294	400	32	income	income	NOUN
fsr-3294	400	33	employees	employee	NOUN
fsr-3294	400	34	.	.	PUNCT
fsr-3294	401	1	7	7	X
fsr-3294	401	2	.	.	NUM
fsr-3294	401	3	limitations	limitation	NOUN
fsr-3294	401	4	and	and	CCONJ
fsr-3294	401	5	future	future	ADJ
fsr-3294	401	6	research	research	NOUN
fsr-3294	401	7	researchers	researcher	NOUN
fsr-3294	401	8	observed	observe	VERB
fsr-3294	401	9	several	several	ADJ
fsr-3294	401	10	limitations	limitation	NOUN
fsr-3294	401	11	while	while	SCONJ
fsr-3294	401	12	conducting	conduct	VERB
fsr-3294	401	13	this	this	DET
fsr-3294	401	14	study	study	NOUN
fsr-3294	401	15	.	.	PUNCT
fsr-3294	402	1	while	while	SCONJ
fsr-3294	402	2	most	most	ADJ
fsr-3294	402	3	questions	question	NOUN
fsr-3294	402	4	used	use	VERB
fsr-3294	402	5	to	to	PART
fsr-3294	402	6	measure	measure	VERB
fsr-3294	402	7	savings	saving	NOUN
fsr-3294	402	8	and	and	CCONJ
fsr-3294	402	9	cash	cash	NOUN
fsr-3294	402	10	flow	flow	NOUN
fsr-3294	402	11	management	management	NOUN
fsr-3294	402	12	behaviors	behavior	NOUN
fsr-3294	402	13	were	be	AUX
fsr-3294	402	14	adopted	adopt	VERB
fsr-3294	402	15	from	from	ADP
fsr-3294	402	16	hogarth	hogarth	NOUN
fsr-3294	402	17	et	et	PROPN
fsr-3294	402	18	al	al	PROPN
fsr-3294	402	19	.	.	PROPN
fsr-3294	403	1	(	(	PUNCT
fsr-3294	403	2	2003	2003	NUM
fsr-3294	403	3	)	)	PUNCT
fsr-3294	403	4	,	,	PUNCT
fsr-3294	403	5	there	there	PRON
fsr-3294	403	6	could	could	AUX
fsr-3294	403	7	be	be	AUX
fsr-3294	403	8	some	some	DET
fsr-3294	403	9	overlap	overlap	NOUN
fsr-3294	403	10	in	in	ADP
fsr-3294	403	11	the	the	DET
fsr-3294	403	12	participants	participant	NOUN
fsr-3294	403	13	’	'	PUNCT
fsr-3294	403	14	interpretation	interpretation	NOUN
fsr-3294	403	15	of	of	ADP
fsr-3294	403	16	these	these	DET
fsr-3294	403	17	questions	question	NOUN
fsr-3294	403	18	.	.	PUNCT
fsr-3294	404	1	an	an	DET
fsr-3294	404	2	example	example	NOUN
fsr-3294	404	3	of	of	ADP
fsr-3294	404	4	this	this	DET
fsr-3294	404	5	overlap	overlap	NOUN
fsr-3294	404	6	may	may	AUX
fsr-3294	404	7	exist	exist	VERB
fsr-3294	404	8	between	between	ADP
fsr-3294	404	9	the	the	DET
fsr-3294	404	10	two	two	NUM
fsr-3294	404	11	questions	question	NOUN
fsr-3294	404	12	;	;	PUNCT
fsr-3294	404	13	“	"	PUNCT
fsr-3294	404	14	do	do	AUX
fsr-3294	404	15	you	you	PRON
fsr-3294	404	16	save	save	VERB
fsr-3294	404	17	on	on	ADP
fsr-3294	404	18	a	a	DET
fsr-3294	404	19	regular	regular	ADJ
fsr-3294	404	20	basis	basis	NOUN
fsr-3294	404	21	?	?	PUNCT
fsr-3294	404	22	”	"	PUNCT
fsr-3294	404	23	and	and	CCONJ
fsr-3294	404	24	“	"	PUNCT
fsr-3294	404	25	do	do	AUX
fsr-3294	404	26	you	you	PRON
fsr-3294	404	27	have	have	VERB
fsr-3294	404	28	money	money	NOUN
fsr-3294	404	29	automatically	automatically	ADV
fsr-3294	404	30	deposited	deposit	VERB
fsr-3294	404	31	into	into	ADP
fsr-3294	404	32	an	an	DET
fsr-3294	404	33	account	account	NOUN
fsr-3294	404	34	?	?	PUNCT
fsr-3294	404	35	”	"	PUNCT
fsr-3294	405	1	furthermore	furthermore	ADV
fsr-3294	405	2	,	,	PUNCT
fsr-3294	405	3	scf	scf	PROPN
fsr-3294	405	4	has	have	AUX
fsr-3294	405	5	gradually	gradually	ADV
fsr-3294	405	6	added	add	VERB
fsr-3294	405	7	financial	financial	ADJ
fsr-3294	405	8	behaviors	behavior	NOUN
fsr-3294	405	9	over	over	ADP
fsr-3294	405	10	the	the	DET
fsr-3294	405	11	years	year	NOUN
fsr-3294	405	12	,	,	PUNCT
fsr-3294	405	13	but	but	CCONJ
fsr-3294	405	14	the	the	DET
fsr-3294	405	15	number	number	NOUN
fsr-3294	405	16	and	and	CCONJ
fsr-3294	405	17	the	the	DET
fsr-3294	405	18	variety	variety	NOUN
fsr-3294	405	19	of	of	ADP
fsr-3294	405	20	financial	financial	ADJ
fsr-3294	405	21	behavior	behavior	NOUN
fsr-3294	405	22	questions	question	NOUN
fsr-3294	405	23	within	within	ADP
fsr-3294	405	24	scf	scf	PROPN
fsr-3294	405	25	are	be	AUX
fsr-3294	405	26	still	still	ADV
fsr-3294	405	27	limited	limited	ADJ
fsr-3294	405	28	.	.	PUNCT
fsr-3294	406	1	additionally	additionally	ADV
fsr-3294	406	2	,	,	PUNCT
fsr-3294	406	3	limitations	limitation	NOUN
fsr-3294	406	4	in	in	ADP
fsr-3294	406	5	how	how	SCONJ
fsr-3294	406	6	cash	cash	NOUN
fsr-3294	406	7	flow	flow	NOUN
fsr-3294	406	8	management	management	NOUN
fsr-3294	406	9	and	and	CCONJ
fsr-3294	406	10	savings	saving	NOUN
fsr-3294	406	11	behavior	behavior	NOUN
fsr-3294	406	12	were	be	AUX
fsr-3294	406	13	conceptualized	conceptualize	VERB
fsr-3294	406	14	and	and	CCONJ
fsr-3294	406	15	modeled	model	VERB
fsr-3294	406	16	in	in	ADP
fsr-3294	406	17	this	this	DET
fsr-3294	406	18	study	study	NOUN
fsr-3294	406	19	,	,	PUNCT
fsr-3294	406	20	applying	apply	VERB
fsr-3294	406	21	variable	variable	ADJ
fsr-3294	406	22	constructs	construct	NOUN
fsr-3294	406	23	from	from	ADP
fsr-3294	406	24	previous	previous	ADJ
fsr-3294	406	25	studies	study	NOUN
fsr-3294	406	26	,	,	PUNCT
fsr-3294	406	27	could	could	AUX
fsr-3294	406	28	have	have	AUX
fsr-3294	406	29	affected	affect	VERB
fsr-3294	406	30	observed	observed	ADJ
fsr-3294	406	31	relationships	relationship	NOUN
fsr-3294	406	32	in	in	ADP
fsr-3294	406	33	the	the	DET
fsr-3294	406	34	models	model	NOUN
fsr-3294	406	35	.	.	PUNCT
fsr-3294	407	1	future	future	ADJ
fsr-3294	407	2	research	research	NOUN
fsr-3294	407	3	will	will	AUX
fsr-3294	407	4	again	again	ADV
fsr-3294	407	5	focus	focus	VERB
fsr-3294	407	6	on	on	ADP
fsr-3294	407	7	employees	employee	NOUN
fsr-3294	407	8	’	’	PART
fsr-3294	407	9	financial	financial	ADJ
fsr-3294	407	10	behavior	behavior	NOUN
fsr-3294	407	11	;	;	PUNCT
fsr-3294	407	12	however	however	ADV
fsr-3294	407	13	,	,	PUNCT
fsr-3294	407	14	the	the	DET
fsr-3294	407	15	behavior	behavior	NOUN
fsr-3294	407	16	categories	category	NOUN
fsr-3294	407	17	would	would	AUX
fsr-3294	407	18	expand	expand	VERB
fsr-3294	407	19	to	to	ADP
fsr-3294	407	20	investment	investment	NOUN
fsr-3294	407	21	behaviors	behavior	NOUN
fsr-3294	407	22	as	as	ADV
fsr-3294	407	23	well	well	ADV
fsr-3294	407	24	as	as	ADP
fsr-3294	407	25	retirement	retirement	NOUN
fsr-3294	407	26	and	and	CCONJ
fsr-3294	407	27	retirement	retirement	NOUN
fsr-3294	407	28	planning	planning	NOUN
fsr-3294	407	29	behaviors	behavior	NOUN
fsr-3294	407	30	.	.	PUNCT
fsr-3294	408	1	also	also	ADV
fsr-3294	408	2	,	,	PUNCT
fsr-3294	408	3	segmenting	segment	VERB
fsr-3294	408	4	the	the	DET
fsr-3294	408	5	overall	overall	ADJ
fsr-3294	408	6	employee	employee	NOUN
fsr-3294	408	7	sample	sample	NOUN
fsr-3294	408	8	by	by	ADP
fsr-3294	408	9	classes	class	NOUN
fsr-3294	408	10	such	such	ADJ
fsr-3294	408	11	as	as	ADP
fsr-3294	408	12	blue	blue	ADJ
fsr-3294	408	13	collar	collar	NOUN
fsr-3294	408	14	workers	worker	NOUN
fsr-3294	408	15	and	and	CCONJ
fsr-3294	408	16	white	white	ADJ
fsr-3294	408	17	collar	collar	NOUN
fsr-3294	408	18	workers	worker	NOUN
fsr-3294	408	19	and	and	CCONJ
fsr-3294	408	20	then	then	ADV
fsr-3294	408	21	examining	examine	VERB
fsr-3294	408	22	their	their	PRON
fsr-3294	408	23	financial	financial	ADJ
fsr-3294	408	24	behaviors	behavior	NOUN
fsr-3294	408	25	might	might	AUX
fsr-3294	408	26	produce	produce	VERB
fsr-3294	408	27	interesting	interesting	ADJ
fsr-3294	408	28	results	result	NOUN
fsr-3294	408	29	.	.	PUNCT
fsr-3294	409	1	finally	finally	ADV
fsr-3294	409	2	,	,	PUNCT
fsr-3294	409	3	instead	instead	ADV
fsr-3294	409	4	of	of	ADP
fsr-3294	409	5	examining	examine	VERB
fsr-3294	409	6	unintended	unintended	ADJ
fsr-3294	409	7	factors	factor	NOUN
fsr-3294	409	8	,	,	PUNCT
fsr-3294	409	9	future	future	ADJ
fsr-3294	409	10	research	research	NOUN
fsr-3294	409	11	would	would	AUX
fsr-3294	409	12	examine	examine	VERB
fsr-3294	409	13	the	the	DET
fsr-3294	409	14	effects	effect	NOUN
fsr-3294	409	15	of	of	ADP
fsr-3294	409	16	intended	intended	ADJ
fsr-3294	409	17	factors	factor	NOUN
fsr-3294	409	18	such	such	ADJ
fsr-3294	409	19	as	as	ADP
fsr-3294	409	20	financial	financial	ADJ
fsr-3294	409	21	education	education	NOUN
fsr-3294	409	22	,	,	PUNCT
fsr-3294	409	23	automatic	automatic	ADJ
fsr-3294	409	24	deposit	deposit	NOUN
fsr-3294	409	25	into	into	ADP
fsr-3294	409	26	an	an	DET
fsr-3294	409	27	account	account	NOUN
fsr-3294	409	28	and	and	CCONJ
fsr-3294	409	29	automatic	automatic	ADJ
fsr-3294	409	30	401k	401k	NOUN
fsr-3294	409	31	enrollment	enrollment	NOUN
fsr-3294	409	32	on	on	ADP
fsr-3294	409	33	behavior	behavior	NOUN
fsr-3294	409	34	.	.	PUNCT
fsr-3294	410	1	references	reference	NOUN
fsr-3294	410	2	asaad	asaad	VERB
fsr-3294	410	3	,	,	PUNCT
fsr-3294	410	4	c.	c.	PROPN
fsr-3294	410	5	t.	t.	PROPN
fsr-3294	410	6	(	(	PUNCT
fsr-3294	410	7	2014	2014	NUM
fsr-3294	410	8	)	)	PUNCT
fsr-3294	410	9	.	.	PUNCT
fsr-3294	411	1	financial	financial	ADJ
fsr-3294	411	2	literacy	literacy	NOUN
fsr-3294	411	3	and	and	CCONJ
fsr-3294	411	4	financial	financial	ADJ
fsr-3294	411	5	behavior	behavior	NOUN
fsr-3294	411	6	:	:	PUNCT
fsr-3294	411	7	assessing	assess	VERB
fsr-3294	411	8	knowledge	knowledge	NOUN
fsr-3294	411	9	and	and	CCONJ
fsr-3294	411	10	confidence	confidence	NOUN
fsr-3294	411	11	.	.	PUNCT
fsr-3294	412	1	financial	financial	ADJ
fsr-3294	412	2	services	service	NOUN
fsr-3294	412	3	review	review	PROPN
fsr-3294	412	4	,	,	PUNCT
fsr-3294	412	5	24	24	NUM
fsr-3294	412	6	,	,	PUNCT
fsr-3294	412	7	101–117	101–117	NUM
fsr-3294	412	8	.	.	PUNCT
fsr-3294	413	1	andersen	andersen	PROPN
fsr-3294	413	2	,	,	PUNCT
fsr-3294	413	3	s.	s.	PROPN
fsr-3294	413	4	g.	g.	PROPN
fsr-3294	413	5	,	,	PUNCT
fsr-3294	413	6	zhan	zhan	PROPN
fsr-3294	413	7	,	,	PUNCT
fsr-3294	413	8	m.	m.	NOUN
fsr-3294	413	9	,	,	PUNCT
fsr-3294	413	10	&	&	CCONJ
fsr-3294	413	11	scott	scott	PROPN
fsr-3294	413	12	,	,	PUNCT
fsr-3294	413	13	j.	j.	PROPN
fsr-3294	413	14	(	(	PUNCT
fsr-3294	413	15	2004	2004	NUM
fsr-3294	413	16	)	)	PUNCT
fsr-3294	413	17	.	.	PUNCT
fsr-3294	414	1	targeting	target	VERB
fsr-3294	414	2	financial	financial	ADJ
fsr-3294	414	3	management	management	NOUN
fsr-3294	414	4	training	training	NOUN
fsr-3294	414	5	at	at	ADP
fsr-3294	414	6	low	low	ADJ
fsr-3294	414	7	-	-	PUNCT
fsr-3294	414	8	income	income	NOUN
fsr-3294	414	9	audiences	audience	NOUN
fsr-3294	414	10	.	.	PUNCT
fsr-3294	415	1	journal	journal	PROPN
fsr-3294	415	2	of	of	ADP
fsr-3294	415	3	consumer	consumer	NOUN
fsr-3294	415	4	affairs	affair	NOUN
fsr-3294	415	5	,	,	PUNCT
fsr-3294	415	6	38	38	NUM
fsr-3294	415	7	,	,	PUNCT
fsr-3294	415	8	167–177	167–177	NUM
fsr-3294	415	9	(	(	PUNCT
fsr-3294	415	10	available	available	ADJ
fsr-3294	415	11	at	at	ADP
fsr-3294	415	12	http://onlinelibrary.wiley.com/doi/10.1111/j.17456606.2004.tb00470.x/abstract	http://onlinelibrary.wiley.com/doi/10.1111/j.17456606.2004.tb00470.x/abstract	PROPN
fsr-3294	415	13	)	)	PUNCT
fsr-3294	415	14	.	.	PUNCT
fsr-3294	416	1	braunstein	braunstein	ADV
fsr-3294	416	2	,	,	PUNCT
fsr-3294	416	3	s.	s.	PROPN
fsr-3294	416	4	,	,	PUNCT
fsr-3294	416	5	&	&	CCONJ
fsr-3294	416	6	welch	welch	PROPN
fsr-3294	416	7	,	,	PUNCT
fsr-3294	416	8	c.	c.	PROPN
fsr-3294	416	9	(	(	PUNCT
fsr-3294	416	10	2002	2002	NUM
fsr-3294	416	11	)	)	PUNCT
fsr-3294	416	12	.	.	PUNCT
fsr-3294	417	1	financial	financial	ADJ
fsr-3294	417	2	literacy	literacy	NOUN
fsr-3294	417	3	:	:	PUNCT
fsr-3294	417	4	an	an	DET
fsr-3294	417	5	overview	overview	NOUN
fsr-3294	417	6	of	of	ADP
fsr-3294	417	7	practice	practice	NOUN
fsr-3294	417	8	,	,	PUNCT
fsr-3294	417	9	research	research	NOUN
fsr-3294	417	10	and	and	CCONJ
fsr-3294	417	11	theory	theory	NOUN
fsr-3294	417	12	.	.	PUNCT
fsr-3294	418	1	federal	federal	PROPN
fsr-3294	418	2	reserve	reserve	PROPN
fsr-3294	418	3	bulletin	bulletin	PROPN
fsr-3294	418	4	,	,	PUNCT
fsr-3294	418	5	88	88	NUM
fsr-3294	418	6	,	,	PUNCT
fsr-3294	418	7	445–457	445–457	NUM
fsr-3294	418	8	.	.	PUNCT
fsr-3294	418	9	bricker	bricker	NOUN
fsr-3294	418	10	,	,	PUNCT
fsr-3294	418	11	j.	j.	PROPN
fsr-3294	418	12	,	,	PUNCT
fsr-3294	418	13	bucks	buck	NOUN
fsr-3294	418	14	,	,	PUNCT
fsr-3294	418	15	b.	b.	PROPN
fsr-3294	418	16	,	,	PUNCT
fsr-3294	418	17	kennickell	kennickell	PROPN
fsr-3294	418	18	,	,	PUNCT
fsr-3294	418	19	a.	a.	PROPN
fsr-3294	418	20	b.	b.	PROPN
fsr-3294	418	21	,	,	PUNCT
fsr-3294	418	22	mach	mach	PROPN
fsr-3294	418	23	,	,	PUNCT
fsr-3294	418	24	l.	l.	PROPN
fsr-3294	418	25	t.	t.	PROPN
fsr-3294	418	26	,	,	PUNCT
fsr-3294	418	27	&	&	CCONJ
fsr-3294	418	28	moore	moore	PROPN
fsr-3294	418	29	,	,	PUNCT
fsr-3294	418	30	k.	k.	PROPN
fsr-3294	418	31	(	(	PUNCT
fsr-3294	418	32	2011	2011	NUM
fsr-3294	418	33	)	)	PUNCT
fsr-3294	418	34	.	.	PUNCT
fsr-3294	419	1	surveying	survey	VERB
fsr-3294	419	2	the	the	DET
fsr-3294	419	3	aftermath	aftermath	NOUN
fsr-3294	419	4	of	of	ADP
fsr-3294	419	5	the	the	DET
fsr-3294	419	6	storm	storm	NOUN
fsr-3294	419	7	:	:	PUNCT
fsr-3294	419	8	changes	change	NOUN
fsr-3294	419	9	in	in	ADP
fsr-3294	419	10	the	the	DET
fsr-3294	419	11	family	family	NOUN
fsr-3294	419	12	finances	finance	NOUN
fsr-3294	419	13	from	from	ADP
fsr-3294	419	14	2007–2009	2007–2009	NUM
fsr-3294	419	15	.	.	PUNCT
fsr-3294	420	1	working	work	VERB
fsr-3294	420	2	paper	paper	NOUN
fsr-3294	420	3	2011–17	2011–17	NOUN
fsr-3294	420	4	.	.	PUNCT
fsr-3294	421	1	washington	washington	PROPN
fsr-3294	421	2	,	,	PUNCT
fsr-3294	421	3	dc	dc	PROPN
fsr-3294	421	4	:	:	PUNCT
fsr-3294	421	5	finance	finance	NOUN
fsr-3294	421	6	and	and	CCONJ
fsr-3294	421	7	economics	economic	NOUN
fsr-3294	421	8	discussion	discussion	NOUN
fsr-3294	421	9	series	series	NOUN
fsr-3294	421	10	,	,	PUNCT
fsr-3294	421	11	federal	federal	PROPN
fsr-3294	421	12	reserve	reserve	PROPN
fsr-3294	421	13	board	board	PROPN
fsr-3294	421	14	(	(	PUNCT
fsr-3294	421	15	available	available	ADJ
fsr-3294	421	16	at	at	ADP
fsr-3294	421	17	http://www.federalreserve.gov/pubs/feds/	http://www.federalreserve.gov/pubs/feds/	PROPN
fsr-3294	421	18	2011/201117/201117pap.pdf	2011/201117/201117pap.pdf	NUM
fsr-3294	421	19	)	)	PUNCT
fsr-3294	421	20	.	.	PUNCT
fsr-3294	422	1	caplan	caplan	PROPN
fsr-3294	422	2	,	,	PUNCT
fsr-3294	422	3	g.	g.	PROPN
fsr-3294	422	4	(	(	PUNCT
fsr-3294	422	5	1971	1971	NUM
fsr-3294	422	6	)	)	PUNCT
fsr-3294	422	7	.	.	PUNCT
fsr-3294	423	1	an	an	DET
fsr-3294	423	2	approach	approach	NOUN
fsr-3294	423	3	to	to	ADP
fsr-3294	423	4	community	community	NOUN
fsr-3294	423	5	mental	mental	ADJ
fsr-3294	423	6	health	health	NOUN
fsr-3294	423	7	.	.	PUNCT
fsr-3294	424	1	new	new	PROPN
fsr-3294	424	2	york	york	PROPN
fsr-3294	424	3	,	,	PUNCT
fsr-3294	424	4	ny	ny	PROPN
fsr-3294	424	5	:	:	PUNCT
fsr-3294	424	6	grune	grune	PROPN
fsr-3294	424	7	&	&	CCONJ
fsr-3294	424	8	stratton	stratton	PROPN
fsr-3294	424	9	.	.	PUNCT
fsr-3294	425	1	copeland	copeland	PROPN
fsr-3294	425	2	,	,	PUNCT
fsr-3294	425	3	a.	a.	PROPN
fsr-3294	425	4	(	(	PUNCT
fsr-3294	425	5	2014	2014	NUM
fsr-3294	425	6	)	)	PUNCT
fsr-3294	425	7	.	.	PUNCT
fsr-3294	426	1	employer	employer	NOUN
fsr-3294	426	2	based	base	VERB
fsr-3294	426	3	retirement	retirement	NOUN
fsr-3294	426	4	plan	plan	NOUN
fsr-3294	426	5	participation	participation	NOUN
fsr-3294	426	6	:	:	PUNCT
fsr-3294	426	7	geographic	geographic	ADJ
fsr-3294	426	8	differences	difference	NOUN
fsr-3294	426	9	and	and	CCONJ
fsr-3294	426	10	trends	trend	NOUN
fsr-3294	426	11	.	.	PUNCT
fsr-3294	427	1	issue	issue	NOUN
fsr-3294	427	2	brief	brief	ADJ
fsr-3294	427	3	#	#	NOUN
fsr-3294	427	4	405	405	NUM
fsr-3294	427	5	.	.	PUNCT
fsr-3294	428	1	washington	washington	PROPN
fsr-3294	428	2	,	,	PUNCT
fsr-3294	428	3	dc	dc	PROPN
fsr-3294	428	4	:	:	PUNCT
fsr-3294	428	5	employee	employee	NOUN
fsr-3294	428	6	benefit	benefit	PROPN
fsr-3294	428	7	research	research	PROPN
fsr-3294	428	8	institute	institute	PROPN
fsr-3294	428	9	(	(	PUNCT
fsr-3294	428	10	available	available	ADJ
fsr-3294	428	11	at	at	ADP
fsr-3294	428	12	https://www.ebri.org/	https://www.ebri.org/	ADJ
fsr-3294	428	13	publications	publication	NOUN
fsr-3294	428	14	/	/	SYM
fsr-3294	428	15	ib	ib	PROPN
fsr-3294	428	16	/	/	SYM
fsr-3294	428	17	index.cfm?fa	index.cfm?fa	PROPN
fsr-3294	428	18	�	�	PROPN
fsr-3294	428	19	ibdisp&content_id	ibdisp&content_id	PROPN
fsr-3294	428	20	�	�	PROPN
fsr-3294	428	21	5451	5451	NUM
fsr-3294	428	22	)	)	PUNCT
fsr-3294	428	23	.	.	PUNCT
fsr-3294	429	1	federal	federal	PROPN
fsr-3294	429	2	reserve	reserve	PROPN
fsr-3294	429	3	.	.	PUNCT
fsr-3294	430	1	(	(	PUNCT
fsr-3294	430	2	2014	2014	NUM
fsr-3294	430	3	)	)	PUNCT
fsr-3294	430	4	.	.	PUNCT
fsr-3294	431	1	codebook	codebook	NOUN
fsr-3294	431	2	for	for	ADP
fsr-3294	431	3	2013	2013	NUM
fsr-3294	431	4	survey	survey	NOUN
fsr-3294	431	5	of	of	ADP
fsr-3294	431	6	consumer	consumer	NOUN
fsr-3294	431	7	finances	finance	NOUN
fsr-3294	431	8	.	.	PUNCT
fsr-3294	432	1	washington	washington	PROPN
fsr-3294	432	2	,	,	PUNCT
fsr-3294	432	3	dc	dc	PROPN
fsr-3294	432	4	:	:	PUNCT
fsr-3294	432	5	board	board	NOUN
fsr-3294	432	6	of	of	ADP
fsr-3294	432	7	governors	governor	NOUN
fsr-3294	432	8	of	of	ADP
fsr-3294	432	9	the	the	DET
fsr-3294	432	10	federal	federal	PROPN
fsr-3294	432	11	reserve	reserve	PROPN
fsr-3294	432	12	system	system	NOUN
fsr-3294	432	13	(	(	PUNCT
fsr-3294	432	14	available	available	ADJ
fsr-3294	432	15	at	at	ADP
fsr-3294	432	16	https://www.federalreserve.gov/econresdata/scf/files/	https://www.federalreserve.gov/econresdata/scf/files/	PROPN
fsr-3294	432	17	codebk2013.txt	codebk2013.txt	ADJ
fsr-3294	432	18	)	)	PUNCT
fsr-3294	432	19	.	.	PUNCT
fsr-3294	433	1	34	34	NUM
fsr-3294	433	2	c.	c.	PROPN
fsr-3294	433	3	hudson	hudson	PROPN
fsr-3294	433	4	et	et	PROPN
fsr-3294	433	5	al	al	PROPN
fsr-3294	433	6	.	.	PUNCT
fsr-3294	433	7	/	/	SYM
fsr-3294	433	8	financial	financial	ADJ
fsr-3294	433	9	services	service	NOUN
fsr-3294	433	10	review	review	VERB
fsr-3294	433	11	26	26	NUM
fsr-3294	433	12	(	(	PUNCT
fsr-3294	433	13	2017	2017	NUM
fsr-3294	433	14	)	)	PUNCT
fsr-3294	433	15	19–36	19–36	NUM
fsr-3294	433	16	fidelity	fidelity	NOUN
fsr-3294	433	17	investments	investment	NOUN
fsr-3294	433	18	.	.	PUNCT
fsr-3294	434	1	(	(	PUNCT
fsr-3294	434	2	2013	2013	NUM
fsr-3294	434	3	)	)	PUNCT
fsr-3294	434	4	.	.	PUNCT
fsr-3294	435	1	fidelity	fidelity	PROPN
fsr-3294	435	2	study	study	NOUN
fsr-3294	435	3	finds	find	VERB
fsr-3294	435	4	financial	financial	ADJ
fsr-3294	435	5	crisis	crisis	NOUN
fsr-3294	435	6	was	be	AUX
fsr-3294	435	7	wake	wake	VERB
fsr-3294	435	8	-	-	PUNCT
fsr-3294	435	9	up	up	ADP
fsr-3294	435	10	call	call	NOUN
fsr-3294	435	11	for	for	ADP
fsr-3294	435	12	investors	investor	NOUN
fsr-3294	435	13	,	,	PUNCT
fsr-3294	435	14	triggering	trigger	VERB
fsr-3294	435	15	positive	positive	ADJ
fsr-3294	435	16	and	and	CCONJ
fsr-3294	435	17	permanent	permanent	ADJ
fsr-3294	435	18	behaviors	behavior	NOUN
fsr-3294	435	19	.	.	PUNCT
fsr-3294	436	1	smithfield	smithfield	PROPN
fsr-3294	436	2	,	,	PUNCT
fsr-3294	436	3	ri	ri	PROPN
fsr-3294	436	4	:	:	PUNCT
fsr-3294	436	5	fidelity	fidelity	PROPN
fsr-3294	436	6	investment	investment	NOUN
fsr-3294	436	7	services	service	NOUN
fsr-3294	436	8	(	(	PUNCT
fsr-3294	436	9	available	available	ADJ
fsr-3294	436	10	at	at	ADP
fsr-3294	436	11	https://www.fidelity.com/about-fidelity/	https://www.fidelity.com/about-fidelity/	ADJ
fsr-3294	436	12	individual	individual	ADJ
fsr-3294	436	13	-	-	PUNCT
fsr-3294	436	14	investing	investing	NOUN
fsr-3294	436	15	/	/	SYM
fsr-3294	436	16	fidelity	fidelity	NOUN
fsr-3294	436	17	-	-	PUNCT
fsr-3294	436	18	study	study	NOUN
fsr-3294	436	19	-	-	PUNCT
fsr-3294	436	20	finds	find	VERB
fsr-3294	436	21	-	-	PUNCT
fsr-3294	436	22	financial	financial	ADJ
fsr-3294	436	23	-	-	PUNCT
fsr-3294	436	24	crisis	crisis	NOUN
fsr-3294	436	25	-	-	PUNCT
fsr-3294	436	26	was	be	AUX
fsr-3294	436	27	-	-	PUNCT
fsr-3294	436	28	wake	wake	VERB
fsr-3294	436	29	-	-	PUNCT
fsr-3294	436	30	up	up	ADP
fsr-3294	436	31	-	-	PUNCT
fsr-3294	436	32	call	call	NOUN
fsr-3294	436	33	-	-	PUNCT
fsr-3294	436	34	for	for	ADP
fsr-3294	436	35	-	-	PUNCT
fsr-3294	436	36	investors	investor	NOUN
fsr-3294	436	37	)	)	PUNCT
fsr-3294	436	38	.	.	PUNCT
fsr-3294	437	1	fisher	fisher	PROPN
fsr-3294	437	2	,	,	PUNCT
fsr-3294	437	3	p.	p.	PROPN
fsr-3294	437	4	j.	j.	PROPN
fsr-3294	437	5	,	,	PUNCT
fsr-3294	437	6	hayhoe	hayhoe	PROPN
fsr-3294	437	7	,	,	PUNCT
fsr-3294	437	8	c.	c.	PROPN
fsr-3294	437	9	r.	r.	PROPN
fsr-3294	437	10	,	,	PUNCT
fsr-3294	437	11	&	&	CCONJ
fsr-3294	437	12	lown	lown	PROPN
fsr-3294	437	13	,	,	PUNCT
fsr-3294	437	14	j.	j.	PROPN
fsr-3294	437	15	m.	m.	PROPN
fsr-3294	437	16	(	(	PUNCT
fsr-3294	437	17	2015	2015	NUM
fsr-3294	437	18	)	)	PUNCT
fsr-3294	437	19	.	.	PUNCT
fsr-3294	438	1	gender	gender	NOUN
fsr-3294	438	2	differences	difference	NOUN
fsr-3294	438	3	in	in	ADP
fsr-3294	438	4	savings	saving	NOUN
fsr-3294	438	5	behaviors	behavior	NOUN
fsr-3294	438	6	among	among	ADP
fsr-3294	438	7	lowto	lowto	PROPN
fsr-3294	438	8	moderate	moderate	ADJ
fsr-3294	438	9	income	income	NOUN
fsr-3294	438	10	households	household	NOUN
fsr-3294	438	11	.	.	PUNCT
fsr-3294	439	1	financial	financial	ADJ
fsr-3294	439	2	services	service	NOUN
fsr-3294	439	3	review	review	PROPN
fsr-3294	439	4	,	,	PUNCT
fsr-3294	439	5	24	24	NUM
fsr-3294	439	6	,	,	PUNCT
fsr-3294	439	7	1–13	1–13	PROPN
fsr-3294	439	8	.	.	PUNCT
fsr-3294	439	9	hogarth	hogarth	NOUN
fsr-3294	439	10	,	,	PUNCT
fsr-3294	439	11	j.	j.	PROPN
fsr-3294	439	12	m.	m.	PROPN
fsr-3294	439	13	,	,	PUNCT
fsr-3294	439	14	beverly	beverly	PROPN
fsr-3294	439	15	,	,	PUNCT
fsr-3294	439	16	s.	s.	PROPN
fsr-3294	439	17	g.	g.	PROPN
fsr-3294	439	18	,	,	PUNCT
fsr-3294	439	19	&	&	CCONJ
fsr-3294	439	20	hilgert	hilgert	PROPN
fsr-3294	439	21	,	,	PUNCT
fsr-3294	439	22	m.	m.	NOUN
fsr-3294	439	23	(	(	PUNCT
fsr-3294	439	24	2003	2003	NUM
fsr-3294	439	25	)	)	PUNCT
fsr-3294	439	26	.	.	PUNCT
fsr-3294	440	1	patterns	pattern	NOUN
fsr-3294	440	2	of	of	ADP
fsr-3294	440	3	financial	financial	ADJ
fsr-3294	440	4	behaviors	behavior	NOUN
fsr-3294	440	5	:	:	PUNCT
fsr-3294	440	6	implications	implication	NOUN
fsr-3294	440	7	for	for	ADP
fsr-3294	440	8	community	community	NOUN
fsr-3294	440	9	educators	educator	NOUN
fsr-3294	440	10	and	and	CCONJ
fsr-3294	440	11	policy	policy	NOUN
fsr-3294	440	12	makers	maker	NOUN
fsr-3294	440	13	.	.	PUNCT
fsr-3294	441	1	paper	paper	NOUN
fsr-3294	441	2	presented	present	VERB
fsr-3294	441	3	at	at	ADP
fsr-3294	441	4	the	the	DET
fsr-3294	441	5	2003	2003	NUM
fsr-3294	441	6	federal	federal	PROPN
fsr-3294	441	7	reserve	reserve	PROPN
fsr-3294	441	8	systems	systems	PROPN
fsr-3294	441	9	community	community	NOUN
fsr-3294	441	10	affairs	affairs	PROPN
fsr-3294	441	11	research	research	NOUN
fsr-3294	441	12	conference	conference	PROPN
fsr-3294	441	13	,	,	PUNCT
fsr-3294	441	14	washington	washington	PROPN
fsr-3294	441	15	,	,	PUNCT
fsr-3294	441	16	dc	dc	PROPN
fsr-3294	441	17	(	(	PUNCT
fsr-3294	441	18	available	available	ADJ
fsr-3294	441	19	at	at	ADP
fsr-3294	441	20	http://www.federalreserve.gov/communityaffairs/	http://www.federalreserve.gov/communityaffairs/	PROPN
fsr-3294	441	21	national	national	PROPN
fsr-3294	441	22	/	/	SYM
fsr-3294	441	23	ca_conf_suscommdev	ca_conf_suscommdev	PROPN
fsr-3294	441	24	/	/	SYM
fsr-3294	441	25	pdf	pdf	NOUN
fsr-3294	441	26	/	/	SYM
fsr-3294	441	27	hogarthjeanne.pdf	hogarthjeanne.pdf	NOUN
fsr-3294	441	28	)	)	PUNCT
fsr-3294	441	29	.	.	PUNCT
fsr-3294	442	1	hudson	hudson	PROPN
fsr-3294	442	2	,	,	PUNCT
fsr-3294	442	3	c.	c.	PROPN
fsr-3294	442	4	r.	r.	PROPN
fsr-3294	442	5	,	,	PUNCT
fsr-3294	442	6	&	&	CCONJ
fsr-3294	442	7	palmer	palmer	PROPN
fsr-3294	442	8	,	,	PUNCT
fsr-3294	442	9	l.	l.	PROPN
fsr-3294	442	10	(	(	PUNCT
fsr-3294	442	11	2014	2014	NUM
fsr-3294	442	12	)	)	PUNCT
fsr-3294	442	13	.	.	PUNCT
fsr-3294	443	1	low	low	ADJ
fsr-3294	443	2	-	-	PUNCT
fsr-3294	443	3	income	income	NOUN
fsr-3294	443	4	employees	employee	NOUN
fsr-3294	443	5	:	:	PUNCT
fsr-3294	443	6	the	the	DET
fsr-3294	443	7	relationship	relationship	NOUN
fsr-3294	443	8	between	between	ADP
fsr-3294	443	9	information	information	NOUN
fsr-3294	443	10	from	from	ADP
fsr-3294	443	11	formal	formal	ADJ
fsr-3294	443	12	advisors	advisor	NOUN
fsr-3294	443	13	and	and	CCONJ
fsr-3294	443	14	financial	financial	ADJ
fsr-3294	443	15	behaviors	behavior	NOUN
fsr-3294	443	16	.	.	PUNCT
fsr-3294	444	1	financial	financial	ADJ
fsr-3294	444	2	services	service	NOUN
fsr-3294	444	3	review	review	PROPN
fsr-3294	444	4	,	,	PUNCT
fsr-3294	444	5	23	23	NUM
fsr-3294	444	6	,	,	PUNCT
fsr-3294	444	7	25–43	25–43	NUM
fsr-3294	444	8	.	.	PUNCT
fsr-3294	445	1	loibl	loibl	PROPN
fsr-3294	445	2	,	,	PUNCT
fsr-3294	445	3	c.	c.	PROPN
fsr-3294	445	4	,	,	PUNCT
fsr-3294	445	5	&	&	CCONJ
fsr-3294	445	6	hira	hira	PROPN
fsr-3294	445	7	,	,	PUNCT
fsr-3294	445	8	k.	k.	PROPN
fsr-3294	445	9	t.	t.	PROPN
fsr-3294	445	10	(	(	PUNCT
fsr-3294	445	11	2005	2005	NUM
fsr-3294	445	12	)	)	PUNCT
fsr-3294	445	13	.	.	PUNCT
fsr-3294	446	1	self	self	NOUN
fsr-3294	446	2	-	-	PUNCT
fsr-3294	446	3	directed	direct	VERB
fsr-3294	446	4	financial	financial	ADJ
fsr-3294	446	5	learning	learning	NOUN
fsr-3294	446	6	and	and	CCONJ
fsr-3294	446	7	financial	financial	ADJ
fsr-3294	446	8	satisfaction	satisfaction	NOUN
fsr-3294	446	9	.	.	PUNCT
fsr-3294	447	1	journal	journal	NOUN
fsr-3294	447	2	of	of	ADP
fsr-3294	447	3	financial	financial	ADJ
fsr-3294	447	4	counseling	counseling	NOUN
fsr-3294	447	5	and	and	CCONJ
fsr-3294	447	6	planning	planning	NOUN
fsr-3294	447	7	,	,	PUNCT
fsr-3294	447	8	16	16	NUM
fsr-3294	447	9	,	,	PUNCT
fsr-3294	447	10	11–22	11–22	NUM
fsr-3294	447	11	.	.	PUNCT
fsr-3294	448	1	loibl	loibl	PROPN
fsr-3294	448	2	,	,	PUNCT
fsr-3294	448	3	c.	c.	PROPN
fsr-3294	448	4	,	,	PUNCT
fsr-3294	448	5	&	&	CCONJ
fsr-3294	448	6	hira	hira	PROPN
fsr-3294	448	7	,	,	PUNCT
fsr-3294	448	8	k.	k.	PROPN
fsr-3294	448	9	t.	t.	PROPN
fsr-3294	448	10	(	(	PUNCT
fsr-3294	448	11	2006	2006	NUM
fsr-3294	448	12	)	)	PUNCT
fsr-3294	448	13	.	.	PUNCT
fsr-3294	449	1	a	a	DET
fsr-3294	449	2	workplace	workplace	NOUN
fsr-3294	449	3	and	and	CCONJ
fsr-3294	449	4	gender	gender	NOUN
fsr-3294	449	5	related	relate	VERB
fsr-3294	449	6	perspective	perspective	NOUN
fsr-3294	449	7	on	on	ADP
fsr-3294	449	8	financial	financial	ADJ
fsr-3294	449	9	planning	planning	NOUN
fsr-3294	449	10	information	information	NOUN
fsr-3294	449	11	sources	source	NOUN
fsr-3294	449	12	and	and	CCONJ
fsr-3294	449	13	knowledge	knowledge	NOUN
fsr-3294	449	14	outcomes	outcome	NOUN
fsr-3294	449	15	.	.	PUNCT
fsr-3294	450	1	financial	financial	ADJ
fsr-3294	450	2	services	service	NOUN
fsr-3294	450	3	review	review	PROPN
fsr-3294	450	4	,	,	PUNCT
fsr-3294	450	5	15	15	NUM
fsr-3294	450	6	,	,	PUNCT
fsr-3294	450	7	21–42	21–42	NUM
fsr-3294	450	8	.	.	PUNCT
fsr-3294	450	9	lusardi	lusardi	PROPN
fsr-3294	450	10	,	,	PUNCT
fsr-3294	450	11	a.	a.	PROPN
fsr-3294	450	12	,	,	PUNCT
fsr-3294	450	13	&	&	CCONJ
fsr-3294	450	14	mitchell	mitchell	PROPN
fsr-3294	450	15	,	,	PUNCT
fsr-3294	450	16	o.	o.	PROPN
fsr-3294	450	17	(	(	PUNCT
fsr-3294	450	18	2005	2005	NUM
fsr-3294	450	19	)	)	PUNCT
fsr-3294	450	20	.	.	PUNCT
fsr-3294	451	1	financial	financial	ADJ
fsr-3294	451	2	literacy	literacy	NOUN
fsr-3294	451	3	and	and	CCONJ
fsr-3294	451	4	planning	planning	NOUN
fsr-3294	451	5	:	:	PUNCT
fsr-3294	451	6	implications	implication	NOUN
fsr-3294	451	7	for	for	ADP
fsr-3294	451	8	retirement	retirement	NOUN
fsr-3294	451	9	well	well	ADV
fsr-3294	451	10	-	-	PUNCT
fsr-3294	451	11	being	be	AUX
fsr-3294	451	12	(	(	PUNCT
fsr-3294	451	13	wp	wp	NOUN
fsr-3294	451	14	2005–108	2005–108	PROPN
fsr-3294	451	15	)	)	PUNCT
fsr-3294	451	16	.	.	PUNCT
fsr-3294	452	1	ann	ann	PROPN
fsr-3294	452	2	arbor	arbor	PROPN
fsr-3294	452	3	,	,	PUNCT
fsr-3294	452	4	mi	mi	PROPN
fsr-3294	452	5	:	:	PUNCT
fsr-3294	452	6	university	university	PROPN
fsr-3294	452	7	of	of	ADP
fsr-3294	452	8	michigan	michigan	PROPN
fsr-3294	452	9	retirement	retirement	PROPN
fsr-3294	452	10	research	research	PROPN
fsr-3294	452	11	center	center	PROPN
fsr-3294	452	12	(	(	PUNCT
fsr-3294	452	13	available	available	ADJ
fsr-3294	452	14	at	at	ADP
fsr-3294	452	15	http://	http://	PROPN
fsr-3294	452	16	www.mrrc.isr.umich.edu/publications/papers/pdf/wp108.pdf	www.mrrc.isr.umich.edu/publications/papers/pdf/wp108.pdf	PROPN
fsr-3294	452	17	)	)	PUNCT
fsr-3294	452	18	.	.	PUNCT
fsr-3294	453	1	lusardi	lusardi	PROPN
fsr-3294	453	2	,	,	PUNCT
fsr-3294	453	3	a.	a.	PROPN
fsr-3294	453	4	,	,	PUNCT
fsr-3294	453	5	&	&	CCONJ
fsr-3294	453	6	mitchell	mitchell	PROPN
fsr-3294	453	7	,	,	PUNCT
fsr-3294	453	8	o.	o.	PROPN
fsr-3294	453	9	(	(	PUNCT
fsr-3294	453	10	2011	2011	NUM
fsr-3294	453	11	)	)	PUNCT
fsr-3294	453	12	.	.	PUNCT
fsr-3294	454	1	financial	financial	ADJ
fsr-3294	454	2	literacy	literacy	NOUN
fsr-3294	454	3	and	and	CCONJ
fsr-3294	454	4	retirement	retirement	NOUN
fsr-3294	454	5	planning	planning	NOUN
fsr-3294	454	6	in	in	ADP
fsr-3294	454	7	the	the	DET
fsr-3294	454	8	u.s	u.s	PROPN
fsr-3294	454	9	.	.	PROPN
fsr-3294	454	10	(	(	PUNCT
fsr-3294	454	11	wp	wp	PROPN
fsr-3294	454	12	107/11	107/11	NUM
fsr-3294	454	13	)	)	PUNCT
fsr-3294	454	14	.	.	PUNCT
fsr-3294	455	1	ann	ann	PROPN
fsr-3294	455	2	arbor	arbor	PROPN
fsr-3294	455	3	,	,	PUNCT
fsr-3294	455	4	mi	mi	NOUN
fsr-3294	455	5	:	:	PUNCT
fsr-3294	455	6	center	center	NOUN
fsr-3294	455	7	for	for	ADP
fsr-3294	455	8	research	research	NOUN
fsr-3294	455	9	and	and	CCONJ
fsr-3294	455	10	pensions	pension	NOUN
fsr-3294	455	11	and	and	CCONJ
fsr-3294	455	12	welfare	welfare	NOUN
fsr-3294	455	13	policies	policy	NOUN
fsr-3294	455	14	(	(	PUNCT
fsr-3294	455	15	available	available	ADJ
fsr-3294	455	16	at	at	ADP
fsr-3294	455	17	https://core.ac.uk/download/	https://core.ac.uk/download/	VERB
fsr-3294	455	18	pdf/7189099.pdf	pdf/7189099.pdf	NOUN
fsr-3294	455	19	)	)	PUNCT
fsr-3294	455	20	.	.	PUNCT
fsr-3294	456	1	lyons	lyons	PROPN
fsr-3294	456	2	,	,	PUNCT
fsr-3294	456	3	a.	a.	PROPN
fsr-3294	456	4	,	,	PUNCT
fsr-3294	456	5	&	&	CCONJ
fsr-3294	456	6	scherpf	scherpf	NOUN
fsr-3294	456	7	,	,	PUNCT
fsr-3294	456	8	e.	e.	PROPN
fsr-3294	456	9	m.	m.	PROPN
fsr-3294	456	10	(	(	PUNCT
fsr-3294	456	11	2004	2004	NUM
fsr-3294	456	12	)	)	PUNCT
fsr-3294	456	13	.	.	PUNCT
fsr-3294	457	1	moving	move	VERB
fsr-3294	457	2	from	from	ADP
fsr-3294	457	3	unbanked	unbanked	ADJ
fsr-3294	457	4	to	to	ADP
fsr-3294	457	5	banked	banked	ADJ
fsr-3294	457	6	:	:	PUNCT
fsr-3294	457	7	evidence	evidence	NOUN
fsr-3294	457	8	from	from	ADP
fsr-3294	457	9	the	the	DET
fsr-3294	457	10	money	money	NOUN
fsr-3294	457	11	smart	smart	ADJ
fsr-3294	457	12	program	program	NOUN
fsr-3294	457	13	.	.	PUNCT
fsr-3294	458	1	financial	financial	ADJ
fsr-3294	458	2	services	services	PROPN
fsr-3294	458	3	review	review	PROPN
fsr-3294	458	4	,	,	PUNCT
fsr-3294	458	5	13	13	NUM
fsr-3294	458	6	,	,	PUNCT
fsr-3294	458	7	215–231	215–231	NUM
fsr-3294	458	8	.	.	PUNCT
fsr-3294	459	1	lyons	lyons	PROPN
fsr-3294	459	2	,	,	PUNCT
fsr-3294	459	3	a.	a.	PROPN
fsr-3294	459	4	,	,	PUNCT
fsr-3294	459	5	chang	chang	PROPN
fsr-3294	459	6	,	,	PUNCT
fsr-3294	459	7	y.	y.	PROPN
fsr-3294	459	8	,	,	PUNCT
fsr-3294	459	9	&	&	CCONJ
fsr-3294	459	10	scherpf	scherpf	NOUN
fsr-3294	459	11	,	,	PUNCT
fsr-3294	459	12	e.	e.	PROPN
fsr-3294	459	13	m.	m.	PROPN
fsr-3294	459	14	(	(	PUNCT
fsr-3294	459	15	2006	2006	NUM
fsr-3294	459	16	)	)	PUNCT
fsr-3294	459	17	.	.	PUNCT
fsr-3294	460	1	translating	translate	VERB
fsr-3294	460	2	financial	financial	ADJ
fsr-3294	460	3	education	education	NOUN
fsr-3294	460	4	into	into	ADP
fsr-3294	460	5	behavior	behavior	NOUN
fsr-3294	460	6	change	change	NOUN
fsr-3294	460	7	for	for	ADP
fsr-3294	460	8	low	low	ADJ
fsr-3294	460	9	-	-	PUNCT
fsr-3294	460	10	income	income	NOUN
fsr-3294	460	11	populations	population	NOUN
fsr-3294	460	12	.	.	PUNCT
fsr-3294	461	1	journal	journal	NOUN
fsr-3294	461	2	of	of	ADP
fsr-3294	461	3	financial	financial	ADJ
fsr-3294	461	4	counseling	counseling	NOUN
fsr-3294	461	5	and	and	CCONJ
fsr-3294	461	6	planning	planning	NOUN
fsr-3294	461	7	,	,	PUNCT
fsr-3294	461	8	17	17	NUM
fsr-3294	461	9	,	,	PUNCT
fsr-3294	461	10	27–45	27–45	NUM
fsr-3294	461	11	.	.	PUNCT
fsr-3294	461	12	metlife	metlife	PROPN
fsr-3294	461	13	.	.	PUNCT
fsr-3294	462	1	(	(	PUNCT
fsr-3294	462	2	2009	2009	NUM
fsr-3294	462	3	)	)	PUNCT
fsr-3294	462	4	.	.	PUNCT
fsr-3294	463	1	the	the	DET
fsr-3294	463	2	2009	2009	NUM
fsr-3294	463	3	met	meet	VERB
fsr-3294	463	4	life	life	NOUN
fsr-3294	463	5	study	study	NOUN
fsr-3294	463	6	of	of	ADP
fsr-3294	463	7	the	the	DET
fsr-3294	463	8	american	american	ADJ
fsr-3294	463	9	dream	dream	NOUN
fsr-3294	463	10	.	.	PUNCT
fsr-3294	464	1	new	new	PROPN
fsr-3294	464	2	york	york	PROPN
fsr-3294	464	3	,	,	PUNCT
fsr-3294	464	4	ny	ny	PROPN
fsr-3294	464	5	:	:	PROPN
fsr-3294	464	6	metropolitan	metropolitan	ADJ
fsr-3294	464	7	life	life	NOUN
fsr-3294	464	8	insurance	insurance	NOUN
fsr-3294	464	9	corporation	corporation	NOUN
fsr-3294	464	10	(	(	PUNCT
fsr-3294	464	11	available	available	ADJ
fsr-3294	464	12	at	at	ADP
fsr-3294	464	13	http://www.metlife.com/assets//cao/gbms/studies/09010229	http://www.metlife.com/assets//cao/gbms/studies/09010229	PROPN
fsr-3294	464	14	_	_	NOUN
fsr-3294	464	15	09amdreamstudy_web.pdf	09amdreamstudy_web.pdf	NUM
fsr-3294	464	16	)	)	PUNCT
fsr-3294	464	17	.	.	PUNCT
fsr-3294	465	1	montalto	montalto	PROPN
fsr-3294	465	2	,	,	PUNCT
fsr-3294	465	3	c.	c.	PROPN
fsr-3294	465	4	p.	p.	PROPN
fsr-3294	465	5	,	,	PUNCT
fsr-3294	465	6	&	&	CCONJ
fsr-3294	465	7	sung	sung	PROPN
fsr-3294	465	8	,	,	PUNCT
fsr-3294	465	9	j.	j.	PROPN
fsr-3294	465	10	(	(	PUNCT
fsr-3294	465	11	1996	1996	NUM
fsr-3294	465	12	)	)	PUNCT
fsr-3294	465	13	.	.	PUNCT
fsr-3294	466	1	multiple	multiple	ADJ
fsr-3294	466	2	imputation	imputation	NOUN
fsr-3294	466	3	in	in	ADP
fsr-3294	466	4	the	the	DET
fsr-3294	466	5	1992	1992	NUM
fsr-3294	466	6	survey	survey	NOUN
fsr-3294	466	7	of	of	ADP
fsr-3294	466	8	consumer	consumer	NOUN
fsr-3294	466	9	finances	finance	NOUN
fsr-3294	466	10	.	.	PUNCT
fsr-3294	467	1	journal	journal	NOUN
fsr-3294	467	2	of	of	ADP
fsr-3294	467	3	financial	financial	ADJ
fsr-3294	467	4	counseling	counseling	NOUN
fsr-3294	467	5	and	and	CCONJ
fsr-3294	467	6	planning	planning	NOUN
fsr-3294	467	7	,	,	PUNCT
fsr-3294	467	8	7	7	NUM
fsr-3294	467	9	,	,	PUNCT
fsr-3294	467	10	133–146	133–146	NUM
fsr-3294	467	11	.	.	PUNCT
fsr-3294	468	1	o’neill	o’neill	PROPN
fsr-3294	468	2	,	,	PUNCT
fsr-3294	468	3	b.	b.	PROPN
fsr-3294	468	4	,	,	PUNCT
fsr-3294	468	5	&	&	CCONJ
fsr-3294	468	6	xiao	xiao	PROPN
fsr-3294	468	7	,	,	PUNCT
fsr-3294	468	8	j.	j.	PROPN
fsr-3294	468	9	(	(	PUNCT
fsr-3294	468	10	2012	2012	NUM
fsr-3294	468	11	)	)	PUNCT
fsr-3294	468	12	.	.	PUNCT
fsr-3294	469	1	financial	financial	ADJ
fsr-3294	469	2	behavior	behavior	NOUN
fsr-3294	469	3	before	before	ADP
fsr-3294	469	4	and	and	CCONJ
fsr-3294	469	5	after	after	ADP
fsr-3294	469	6	a	a	DET
fsr-3294	469	7	financial	financial	ADJ
fsr-3294	469	8	crisis	crisis	NOUN
fsr-3294	469	9	:	:	PUNCT
fsr-3294	469	10	evidence	evidence	NOUN
fsr-3294	469	11	from	from	ADP
fsr-3294	469	12	an	an	DET
fsr-3294	469	13	online	online	ADJ
fsr-3294	469	14	survey	survey	NOUN
fsr-3294	469	15	.	.	PUNCT
fsr-3294	470	1	journal	journal	NOUN
fsr-3294	470	2	of	of	ADP
fsr-3294	470	3	financial	financial	ADJ
fsr-3294	470	4	counseling	counseling	NOUN
fsr-3294	470	5	and	and	CCONJ
fsr-3294	470	6	planning	planning	NOUN
fsr-3294	470	7	education	education	NOUN
fsr-3294	470	8	,	,	PUNCT
fsr-3294	470	9	23	23	NUM
fsr-3294	470	10	,	,	PUNCT
fsr-3294	470	11	33–46	33–46	NUM
fsr-3294	470	12	(	(	PUNCT
fsr-3294	470	13	available	available	ADJ
fsr-3294	470	14	at	at	ADP
fsr-3294	470	15	http://afcpe.org/	http://afcpe.org/	PROPN
fsr-3294	470	16	assets	asset	NOUN
fsr-3294	470	17	/	/	SYM
fsr-3294	470	18	pdf	pdf	NOUN
fsr-3294	470	19	/	/	SYM
fsr-3294	470	20	v23_j3.pdf	v23_j3.pdf	NOUN
fsr-3294	470	21	)	)	PUNCT
fsr-3294	470	22	.	.	PUNCT
fsr-3294	471	1	palmer	palmer	PROPN
fsr-3294	471	2	,	,	PUNCT
fsr-3294	471	3	l.	l.	PROPN
fsr-3294	471	4	,	,	PUNCT
fsr-3294	471	5	bliss	bliss	PROPN
fsr-3294	471	6	,	,	PUNCT
fsr-3294	471	7	d.	d.	PROPN
fsr-3294	471	8	l.	l.	PROPN
fsr-3294	471	9	,	,	PUNCT
fsr-3294	471	10	goetz	goetz	PROPN
fsr-3294	471	11	,	,	PUNCT
fsr-3294	471	12	j.	j.	PROPN
fsr-3294	471	13	w.	w.	PROPN
fsr-3294	471	14	,	,	PUNCT
fsr-3294	471	15	&	&	CCONJ
fsr-3294	471	16	moorman	moorman	PROPN
fsr-3294	471	17	,	,	PUNCT
fsr-3294	471	18	d.	d.	PROPN
fsr-3294	471	19	(	(	PUNCT
fsr-3294	471	20	2010a	2010a	NUM
fsr-3294	471	21	)	)	PUNCT
fsr-3294	471	22	.	.	PUNCT
fsr-3294	472	1	helping	help	VERB
fsr-3294	472	2	undergraduates	undergraduate	NOUN
fsr-3294	472	3	discover	discover	VERB
fsr-3294	472	4	the	the	DET
fsr-3294	472	5	value	value	NOUN
fsr-3294	472	6	of	of	ADP
fsr-3294	472	7	a	a	DET
fsr-3294	472	8	dollar	dollar	NOUN
fsr-3294	472	9	through	through	ADP
fsr-3294	472	10	self	self	NOUN
fsr-3294	472	11	-	-	PUNCT
fsr-3294	472	12	monitoring	monitoring	NOUN
fsr-3294	472	13	.	.	PUNCT
fsr-3294	473	1	american	american	ADJ
fsr-3294	473	2	journal	journal	PROPN
fsr-3294	473	3	of	of	ADP
fsr-3294	473	4	business	business	NOUN
fsr-3294	473	5	education	education	NOUN
fsr-3294	473	6	,	,	PUNCT
fsr-3294	473	7	3	3	NUM
fsr-3294	473	8	,	,	PUNCT
fsr-3294	473	9	103–108	103–108	NUM
fsr-3294	473	10	.	.	PUNCT
fsr-3294	474	1	palmer	palmer	PROPN
fsr-3294	474	2	,	,	PUNCT
fsr-3294	474	3	l.	l.	PROPN
fsr-3294	474	4	,	,	PUNCT
fsr-3294	474	5	bliss	bliss	PROPN
fsr-3294	474	6	,	,	PUNCT
fsr-3294	474	7	d.	d.	PROPN
fsr-3294	474	8	l.	l.	PROPN
fsr-3294	474	9	,	,	PUNCT
fsr-3294	474	10	goetz	goetz	PROPN
fsr-3294	474	11	,	,	PUNCT
fsr-3294	474	12	j.	j.	PROPN
fsr-3294	474	13	w.	w.	PROPN
fsr-3294	474	14	,	,	PUNCT
fsr-3294	474	15	&	&	CCONJ
fsr-3294	474	16	moorman	moorman	PROPN
fsr-3294	474	17	,	,	PUNCT
fsr-3294	474	18	d.	d.	PROPN
fsr-3294	474	19	(	(	PUNCT
fsr-3294	474	20	2010b	2010b	NUM
fsr-3294	474	21	)	)	PUNCT
fsr-3294	474	22	.	.	PUNCT
fsr-3294	475	1	improving	improve	VERB
fsr-3294	475	2	financial	financial	ADJ
fsr-3294	475	3	awareness	awareness	NOUN
fsr-3294	475	4	among	among	ADP
fsr-3294	475	5	college	college	NOUN
fsr-3294	475	6	students	student	NOUN
fsr-3294	475	7	:	:	PUNCT
fsr-3294	475	8	assessment	assessment	NOUN
fsr-3294	475	9	of	of	ADP
fsr-3294	475	10	a	a	DET
fsr-3294	475	11	financial	financial	ADJ
fsr-3294	475	12	management	management	NOUN
fsr-3294	475	13	project	project	NOUN
fsr-3294	475	14	.	.	PUNCT
fsr-3294	476	1	college	college	NOUN
fsr-3294	476	2	student	student	NOUN
fsr-3294	476	3	journal	journal	NOUN
fsr-3294	476	4	,	,	PUNCT
fsr-3294	476	5	44	44	NUM
fsr-3294	476	6	,	,	PUNCT
fsr-3294	476	7	659–676	659–676	NUM
fsr-3294	476	8	.	.	PUNCT
fsr-3294	477	1	prochaska	prochaska	PROPN
fsr-3294	477	2	,	,	PUNCT
fsr-3294	477	3	j.	j.	PROPN
fsr-3294	477	4	o.	o.	PROPN
fsr-3294	477	5	,	,	PUNCT
fsr-3294	477	6	diclemente	diclemente	PROPN
fsr-3294	477	7	,	,	PUNCT
fsr-3294	477	8	c.	c.	PROPN
fsr-3294	477	9	c.	c.	PROPN
fsr-3294	477	10	,	,	PUNCT
fsr-3294	477	11	&	&	CCONJ
fsr-3294	477	12	norcross	norcross	PROPN
fsr-3294	477	13	,	,	PUNCT
fsr-3294	477	14	j.	j.	PROPN
fsr-3294	477	15	c.	c.	PROPN
fsr-3294	477	16	(	(	PUNCT
fsr-3294	477	17	1992	1992	NUM
fsr-3294	477	18	)	)	PUNCT
fsr-3294	477	19	.	.	PUNCT
fsr-3294	478	1	in	in	ADP
fsr-3294	478	2	search	search	NOUN
fsr-3294	478	3	of	of	ADP
fsr-3294	478	4	how	how	SCONJ
fsr-3294	478	5	people	people	NOUN
fsr-3294	478	6	change	change	VERB
fsr-3294	478	7	:	:	PUNCT
fsr-3294	478	8	applications	application	NOUN
fsr-3294	478	9	to	to	ADP
fsr-3294	478	10	addictive	addictive	ADJ
fsr-3294	478	11	behaviors	behavior	NOUN
fsr-3294	478	12	.	.	PUNCT
fsr-3294	479	1	american	american	ADJ
fsr-3294	479	2	psychologist	psychologist	NOUN
fsr-3294	479	3	,	,	PUNCT
fsr-3294	479	4	47	47	NUM
fsr-3294	479	5	,	,	PUNCT
fsr-3294	479	6	1102–1114	1102–1114	NUM
fsr-3294	479	7	.	.	PUNCT
fsr-3294	480	1	rich	rich	ADJ
fsr-3294	480	2	,	,	PUNCT
fsr-3294	480	3	r.	r.	PROPN
fsr-3294	480	4	(	(	PUNCT
fsr-3294	480	5	2013	2013	NUM
fsr-3294	480	6	)	)	PUNCT
fsr-3294	480	7	.	.	PUNCT
fsr-3294	481	1	the	the	DET
fsr-3294	481	2	great	great	ADJ
fsr-3294	481	3	recession	recession	NOUN
fsr-3294	481	4	of	of	ADP
fsr-3294	481	5	2007–09	2007–09	NOUN
fsr-3294	481	6	.	.	PUNCT
fsr-3294	482	1	washington	washington	PROPN
fsr-3294	482	2	,	,	PUNCT
fsr-3294	482	3	dc	dc	PROPN
fsr-3294	482	4	:	:	PUNCT
fsr-3294	482	5	federal	federal	PROPN
fsr-3294	482	6	reserve	reserve	NOUN
fsr-3294	482	7	system	system	NOUN
fsr-3294	482	8	(	(	PUNCT
fsr-3294	482	9	available	available	ADJ
fsr-3294	482	10	at	at	ADP
fsr-3294	482	11	http://www.federalreservehistory.org/events/detailview/58	http://www.federalreservehistory.org/events/detailview/58	PROPN
fsr-3294	482	12	)	)	PUNCT
fsr-3294	482	13	.	.	PUNCT
fsr-3294	483	1	slaikeu	slaikeu	ADJ
fsr-3294	483	2	,	,	PUNCT
fsr-3294	483	3	k.	k.	PROPN
fsr-3294	483	4	a.	a.	PROPN
fsr-3294	483	5	(	(	PUNCT
fsr-3294	483	6	1990	1990	NUM
fsr-3294	483	7	)	)	PUNCT
fsr-3294	483	8	.	.	PUNCT
fsr-3294	484	1	crisis	crisis	NOUN
fsr-3294	484	2	intervention	intervention	NOUN
fsr-3294	484	3	:	:	PUNCT
fsr-3294	484	4	a	a	DET
fsr-3294	484	5	handbook	handbook	NOUN
fsr-3294	484	6	for	for	ADP
fsr-3294	484	7	practice	practice	NOUN
fsr-3294	484	8	and	and	CCONJ
fsr-3294	484	9	research	research	NOUN
fsr-3294	484	10	(	(	PUNCT
fsr-3294	484	11	2nd	2nd	ADJ
fsr-3294	484	12	ed	ed	NOUN
fsr-3294	484	13	.	.	PUNCT
fsr-3294	484	14	)	)	PUNCT
fsr-3294	484	15	.	.	PUNCT
fsr-3294	485	1	boston	boston	PROPN
fsr-3294	485	2	,	,	PUNCT
fsr-3294	485	3	ma	ma	PROPN
fsr-3294	485	4	:	:	PUNCT
fsr-3294	485	5	a	a	DET
fsr-3294	485	6	pearson	pearson	PROPN
fsr-3294	485	7	education	education	PROPN
fsr-3294	485	8	company	company	NOUN
fsr-3294	485	9	.	.	PUNCT
fsr-3294	486	1	snedker	snedker	PROPN
fsr-3294	486	2	,	,	PUNCT
fsr-3294	486	3	k.	k.	PROPN
fsr-3294	486	4	,	,	PUNCT
fsr-3294	486	5	glynn	glynn	PROPN
fsr-3294	486	6	,	,	PUNCT
fsr-3294	486	7	p.	p.	PROPN
fsr-3294	486	8	,	,	PUNCT
fsr-3294	486	9	&	&	CCONJ
fsr-3294	486	10	wang	wang	PROPN
fsr-3294	486	11	,	,	PUNCT
fsr-3294	486	12	c.	c.	PROPN
fsr-3294	486	13	(	(	PUNCT
fsr-3294	486	14	2002	2002	NUM
fsr-3294	486	15	)	)	PUNCT
fsr-3294	486	16	.	.	PUNCT
fsr-3294	487	1	ordered	order	VERB
fsr-3294	487	2	/	/	SYM
fsr-3294	487	3	ordinal	ordinal	ADJ
fsr-3294	487	4	logistic	logistic	ADJ
fsr-3294	487	5	regression	regression	NOUN
fsr-3294	487	6	with	with	ADP
fsr-3294	487	7	sas	sas	PROPN
fsr-3294	487	8	and	and	CCONJ
fsr-3294	487	9	stata	stata	NOUN
fsr-3294	487	10	.	.	PUNCT
fsr-3294	488	1	seattle	seattle	PROPN
fsr-3294	488	2	,	,	PUNCT
fsr-3294	488	3	wa	wa	PROPN
fsr-3294	488	4	:	:	PUNCT
fsr-3294	488	5	university	university	NOUN
fsr-3294	488	6	of	of	ADP
fsr-3294	488	7	washington	washington	PROPN
fsr-3294	488	8	(	(	PUNCT
fsr-3294	488	9	available	available	ADJ
fsr-3294	488	10	at	at	ADP
fsr-3294	488	11	http://staff.washington.edu/glynn/olr.pdf	http://staff.washington.edu/glynn/olr.pdf	NOUN
fsr-3294	488	12	)	)	PUNCT
fsr-3294	488	13	.	.	PUNCT
fsr-3294	489	1	taylor	taylor	PROPN
fsr-3294	489	2	,	,	PUNCT
fsr-3294	489	3	p.	p.	PROPN
fsr-3294	489	4	,	,	PUNCT
fsr-3294	489	5	morin	morin	PROPN
fsr-3294	489	6	,	,	PUNCT
fsr-3294	489	7	r.	r.	PROPN
fsr-3294	489	8	,	,	PUNCT
fsr-3294	489	9	kochhar	kochhar	PROPN
fsr-3294	489	10	,	,	PUNCT
fsr-3294	489	11	r.	r.	PROPN
fsr-3294	489	12	,	,	PUNCT
fsr-3294	489	13	parker	parker	PROPN
fsr-3294	489	14	,	,	PUNCT
fsr-3294	489	15	k.	k.	PROPN
fsr-3294	489	16	,	,	PUNCT
fsr-3294	489	17	cohn	cohn	PROPN
fsr-3294	489	18	,	,	PUNCT
fsr-3294	489	19	d.	d.	PROPN
fsr-3294	489	20	,	,	PUNCT
fsr-3294	489	21	lopez	lopez	PROPN
fsr-3294	489	22	,	,	PUNCT
fsr-3294	489	23	m.	m.	NOUN
fsr-3294	489	24	h.	h.	PROPN
fsr-3294	489	25	,	,	PUNCT
fsr-3294	489	26	fry	fry	PROPN
fsr-3294	489	27	,	,	PUNCT
fsr-3294	489	28	r.	r.	PROPN
fsr-3294	489	29	,	,	PUNCT
fsr-3294	489	30	wang	wang	PROPN
fsr-3294	489	31	,	,	PUNCT
fsr-3294	489	32	w.	w.	PROPN
fsr-3294	489	33	,	,	PUNCT
fsr-3294	489	34	velasco	velasco	PROPN
fsr-3294	489	35	,	,	PUNCT
fsr-3294	489	36	g.	g.	PROPN
fsr-3294	489	37	,	,	PUNCT
fsr-3294	489	38	dockterman	dockterman	NOUN
fsr-3294	489	39	,	,	PUNCT
fsr-3294	489	40	d.	d.	PROPN
fsr-3294	489	41	,	,	PUNCT
fsr-3294	489	42	hinze	hinze	NOUN
fsr-3294	489	43	-	-	PUNCT
fsr-3294	489	44	pifer	pifer	NOUN
fsr-3294	489	45	,	,	PUNCT
fsr-3294	489	46	r.	r.	PROPN
fsr-3294	489	47	,	,	PUNCT
fsr-3294	489	48	&	&	CCONJ
fsr-3294	489	49	espinoza	espinoza	PROPN
fsr-3294	489	50	,	,	PUNCT
fsr-3294	489	51	s.	s.	PROPN
fsr-3294	489	52	(	(	PUNCT
fsr-3294	489	53	2010	2010	NUM
fsr-3294	489	54	)	)	PUNCT
fsr-3294	489	55	.	.	PUNCT
fsr-3294	490	1	a	a	DET
fsr-3294	490	2	balanced	balanced	ADJ
fsr-3294	490	3	sheet	sheet	NOUN
fsr-3294	490	4	at	at	ADP
fsr-3294	490	5	30	30	NUM
fsr-3294	490	6	months	month	NOUN
fsr-3294	490	7	:	:	PUNCT
fsr-3294	490	8	how	how	SCONJ
fsr-3294	490	9	the	the	DET
fsr-3294	490	10	recession	recession	NOUN
fsr-3294	490	11	has	have	AUX
fsr-3294	490	12	changed	change	VERB
fsr-3294	490	13	life	life	NOUN
fsr-3294	490	14	in	in	ADP
fsr-3294	490	15	america	america	PROPN
fsr-3294	490	16	.	.	PUNCT
fsr-3294	491	1	washington	washington	PROPN
fsr-3294	491	2	,	,	PUNCT
fsr-3294	491	3	dc	dc	PROPN
fsr-3294	491	4	:	:	PUNCT
fsr-3294	491	5	the	the	DET
fsr-3294	491	6	pew	pew	NOUN
fsr-3294	491	7	research	research	NOUN
fsr-3294	491	8	center	center	NOUN
fsr-3294	491	9	,	,	PUNCT
fsr-3294	491	10	social	social	ADJ
fsr-3294	491	11	and	and	CCONJ
fsr-3294	491	12	demographic	demographic	ADJ
fsr-3294	491	13	trends	trend	NOUN
fsr-3294	491	14	project	project	NOUN
fsr-3294	491	15	(	(	PUNCT
fsr-3294	491	16	available	available	ADJ
fsr-3294	491	17	at	at	ADP
fsr-3294	491	18	http://www.pewsocialtrends.org/files/2010/10/759-recession	http://www.pewsocialtrends.org/files/2010/10/759-recession	NUM
fsr-3294	491	19	.pdf	.pdf	PUNCT
fsr-3294	491	20	)	)	PUNCT
fsr-3294	491	21	.	.	PUNCT
fsr-3294	492	1	35c	35c	NOUN
fsr-3294	492	2	.	.	PUNCT
fsr-3294	493	1	hudson	hudson	PROPN
fsr-3294	493	2	et	et	PROPN
fsr-3294	493	3	al	al	PROPN
fsr-3294	493	4	.	.	PUNCT
fsr-3294	493	5	/	/	SYM
fsr-3294	493	6	financial	financial	ADJ
fsr-3294	493	7	services	service	NOUN
fsr-3294	493	8	review	review	VERB
fsr-3294	493	9	26	26	NUM
fsr-3294	493	10	(	(	PUNCT
fsr-3294	493	11	2017	2017	NUM
fsr-3294	493	12	)	)	PUNCT
fsr-3294	493	13	19–36	19–36	PROPN
fsr-3294	493	14	u.s	u.s	PROPN
fsr-3294	493	15	.	.	PROPN
fsr-3294	493	16	department	department	PROPN
fsr-3294	493	17	of	of	ADP
fsr-3294	493	18	health	health	PROPN
fsr-3294	493	19	and	and	CCONJ
fsr-3294	493	20	human	human	ADJ
fsr-3294	493	21	services	service	NOUN
fsr-3294	493	22	.	.	PUNCT
fsr-3294	494	1	(	(	PUNCT
fsr-3294	494	2	2004	2004	NUM
fsr-3294	494	3	)	)	PUNCT
fsr-3294	494	4	.	.	PUNCT
fsr-3294	495	1	the	the	DET
fsr-3294	495	2	2004	2004	NUM
fsr-3294	495	3	human	human	PROPN
fsr-3294	495	4	health	health	PROPN
fsr-3294	495	5	services	service	NOUN
fsr-3294	495	6	poverty	poverty	NOUN
fsr-3294	495	7	guidelines	guideline	NOUN
fsr-3294	495	8	.	.	PUNCT
fsr-3294	496	1	washington	washington	PROPN
fsr-3294	496	2	,	,	PUNCT
fsr-3294	496	3	dc	dc	PROPN
fsr-3294	496	4	:	:	PUNCT
fsr-3294	496	5	office	office	NOUN
fsr-3294	496	6	of	of	ADP
fsr-3294	496	7	the	the	DET
fsr-3294	496	8	assistant	assistant	NOUN
fsr-3294	496	9	secretary	secretary	NOUN
fsr-3294	496	10	for	for	ADP
fsr-3294	496	11	planning	planning	NOUN
fsr-3294	496	12	and	and	CCONJ
fsr-3294	496	13	evaluation	evaluation	NOUN
fsr-3294	496	14	(	(	PUNCT
fsr-3294	496	15	available	available	ADJ
fsr-3294	496	16	at	at	ADP
fsr-3294	496	17	https://aspe.hhs.gov/2004-hhs-poverty-guidelines	https://aspe.hhs.gov/2004-hhs-poverty-guideline	NOUN
fsr-3294	496	18	)	)	PUNCT
fsr-3294	496	19	.	.	PUNCT
fsr-3294	497	1	u.s	u.s	PROPN
fsr-3294	497	2	.	.	PROPN
fsr-3294	497	3	department	department	PROPN
fsr-3294	497	4	of	of	ADP
fsr-3294	497	5	health	health	PROPN
fsr-3294	497	6	and	and	CCONJ
fsr-3294	497	7	human	human	ADJ
fsr-3294	497	8	services	service	NOUN
fsr-3294	497	9	.	.	PUNCT
fsr-3294	498	1	(	(	PUNCT
fsr-3294	498	2	2013	2013	NUM
fsr-3294	498	3	)	)	PUNCT
fsr-3294	498	4	.	.	PUNCT
fsr-3294	499	1	the	the	DET
fsr-3294	499	2	2013	2013	NUM
fsr-3294	499	3	human	human	ADJ
fsr-3294	499	4	health	health	NOUN
fsr-3294	499	5	services	service	NOUN
fsr-3294	499	6	poverty	poverty	NOUN
fsr-3294	499	7	guidelines	guideline	NOUN
fsr-3294	499	8	.	.	PUNCT
fsr-3294	500	1	washington	washington	PROPN
fsr-3294	500	2	,	,	PUNCT
fsr-3294	500	3	dc	dc	PROPN
fsr-3294	500	4	:	:	PUNCT
fsr-3294	500	5	office	office	NOUN
fsr-3294	500	6	of	of	ADP
fsr-3294	500	7	the	the	DET
fsr-3294	500	8	assistant	assistant	NOUN
fsr-3294	500	9	secretary	secretary	NOUN
fsr-3294	500	10	for	for	ADP
fsr-3294	500	11	planning	planning	NOUN
fsr-3294	500	12	and	and	CCONJ
fsr-3294	500	13	evaluation	evaluation	NOUN
fsr-3294	500	14	(	(	PUNCT
fsr-3294	500	15	available	available	ADJ
fsr-3294	500	16	at	at	ADP
fsr-3294	500	17	https://aspe.hhs.gov/2013-poverty-guidelines	https://aspe.hhs.gov/2013-poverty-guideline	NOUN
fsr-3294	500	18	)	)	PUNCT
fsr-3294	500	19	.	.	PUNCT
fsr-3294	501	1	volpe	volpe	PROPN
fsr-3294	501	2	,	,	PUNCT
fsr-3294	501	3	r.p	r.p	PROPN
fsr-3294	501	4	.	.	PROPN
fsr-3294	501	5	,	,	PUNCT
fsr-3294	501	6	chen	chen	PROPN
fsr-3294	501	7	,	,	PUNCT
fsr-3294	501	8	h.	h.	PROPN
fsr-3294	501	9	,	,	PUNCT
fsr-3294	501	10	&	&	CCONJ
fsr-3294	501	11	liu	liu	PROPN
fsr-3294	501	12	,	,	PUNCT
fsr-3294	501	13	s.	s.	PROPN
fsr-3294	501	14	(	(	PUNCT
fsr-3294	501	15	2006	2006	NUM
fsr-3294	501	16	)	)	PUNCT
fsr-3294	501	17	.	.	PUNCT
fsr-3294	502	1	an	an	DET
fsr-3294	502	2	analysis	analysis	NOUN
fsr-3294	502	3	of	of	ADP
fsr-3294	502	4	the	the	DET
fsr-3294	502	5	importance	importance	NOUN
fsr-3294	502	6	of	of	ADP
fsr-3294	502	7	personal	personal	ADJ
fsr-3294	502	8	finance	finance	NOUN
fsr-3294	502	9	topics	topic	NOUN
fsr-3294	502	10	and	and	CCONJ
fsr-3294	502	11	the	the	DET
fsr-3294	502	12	level	level	NOUN
fsr-3294	502	13	of	of	ADP
fsr-3294	502	14	knowledge	knowledge	NOUN
fsr-3294	502	15	possessed	possess	VERB
fsr-3294	502	16	by	by	ADP
fsr-3294	502	17	working	work	VERB
fsr-3294	502	18	adults	adult	NOUN
fsr-3294	502	19	.	.	PUNCT
fsr-3294	503	1	financial	financial	ADJ
fsr-3294	503	2	services	service	NOUN
fsr-3294	503	3	review	review	PROPN
fsr-3294	503	4	,	,	PUNCT
fsr-3294	503	5	15	15	NUM
fsr-3294	503	6	,	,	PUNCT
fsr-3294	503	7	81–98	81–98	NUM
fsr-3294	503	8	.	.	PUNCT
fsr-3294	503	9	woolley	woolley	PROPN
fsr-3294	503	10	,	,	PUNCT
fsr-3294	503	11	n.	n.	PROPN
fsr-3294	503	12	(	(	PUNCT
fsr-3294	503	13	1990	1990	NUM
fsr-3294	503	14	)	)	PUNCT
fsr-3294	503	15	.	.	PUNCT
fsr-3294	504	1	crisis	crisis	NOUN
fsr-3294	504	2	theory	theory	NOUN
fsr-3294	504	3	:	:	PUNCT
fsr-3294	504	4	a	a	DET
fsr-3294	504	5	paradigm	paradigm	NOUN
fsr-3294	504	6	of	of	ADP
fsr-3294	504	7	effective	effective	ADJ
fsr-3294	504	8	intervention	intervention	NOUN
fsr-3294	504	9	with	with	ADP
fsr-3294	504	10	families	family	NOUN
fsr-3294	504	11	of	of	ADP
fsr-3294	504	12	critically	critically	ADV
fsr-3294	504	13	ill	ill	ADJ
fsr-3294	504	14	people	people	NOUN
fsr-3294	504	15	.	.	PUNCT
fsr-3294	505	1	journal	journal	PROPN
fsr-3294	505	2	of	of	ADP
fsr-3294	505	3	advanced	advanced	ADJ
fsr-3294	505	4	nursing	nursing	NOUN
fsr-3294	505	5	,	,	PUNCT
fsr-3294	505	6	15	15	NUM
fsr-3294	505	7	,	,	PUNCT
fsr-3294	505	8	1402–1408	1402–1408	NUM
fsr-3294	505	9	.	.	PUNCT
fsr-3294	506	1	xiao	xiao	PROPN
fsr-3294	506	2	,	,	PUNCT
fsr-3294	506	3	j.	j.	PROPN
fsr-3294	506	4	j.	j.	PROPN
fsr-3294	506	5	,	,	PUNCT
fsr-3294	506	6	newman	newman	PROPN
fsr-3294	506	7	,	,	PUNCT
fsr-3294	506	8	b.	b.	PROPN
fsr-3294	506	9	m.	m.	PROPN
fsr-3294	506	10	,	,	PUNCT
fsr-3294	506	11	prochaska	prochaska	PROPN
fsr-3294	506	12	,	,	PUNCT
fsr-3294	506	13	j.	j.	PROPN
fsr-3294	506	14	m.	m.	PROPN
fsr-3294	506	15	,	,	PUNCT
fsr-3294	506	16	leon	leon	PROPN
fsr-3294	506	17	,	,	PUNCT
fsr-3294	506	18	b.	b.	PROPN
fsr-3294	506	19	,	,	PUNCT
fsr-3294	506	20	bassett	bassett	PROPN
fsr-3294	506	21	,	,	PUNCT
fsr-3294	506	22	r.	r.	PROPN
fsr-3294	506	23	l.	l.	PROPN
fsr-3294	506	24	,	,	PUNCT
fsr-3294	506	25	&	&	CCONJ
fsr-3294	506	26	johnson	johnson	PROPN
fsr-3294	506	27	,	,	PUNCT
fsr-3294	506	28	j.	j.	PROPN
fsr-3294	506	29	l.	l.	PROPN
fsr-3294	506	30	(	(	PUNCT
fsr-3294	506	31	2004	2004	NUM
fsr-3294	506	32	)	)	PUNCT
fsr-3294	506	33	.	.	PUNCT
fsr-3294	507	1	applying	apply	VERB
fsr-3294	507	2	the	the	DET
fsr-3294	507	3	transtheoretical	transtheoretical	ADJ
fsr-3294	507	4	model	model	NOUN
fsr-3294	507	5	of	of	ADP
fsr-3294	507	6	change	change	NOUN
fsr-3294	507	7	to	to	ADP
fsr-3294	507	8	consumer	consumer	NOUN
fsr-3294	507	9	debt	debt	NOUN
fsr-3294	507	10	behavior	behavior	NOUN
fsr-3294	507	11	.	.	PUNCT
fsr-3294	508	1	financial	financial	ADJ
fsr-3294	508	2	counseling	counseling	NOUN
fsr-3294	508	3	and	and	CCONJ
fsr-3294	508	4	planning	planning	NOUN
fsr-3294	508	5	education	education	NOUN
fsr-3294	508	6	,	,	PUNCT
fsr-3294	508	7	1	1	NUM
fsr-3294	508	8	,	,	PUNCT
fsr-3294	508	9	89–100	89–100	NUM
fsr-3294	508	10	.	.	NOUN
fsr-3294	508	11	36	36	NUM
fsr-3294	508	12	c.	c.	PROPN
fsr-3294	508	13	hudson	hudson	PROPN
fsr-3294	508	14	et	et	PROPN
fsr-3294	508	15	al	al	PROPN
fsr-3294	508	16	.	.	PUNCT
fsr-3294	508	17	/	/	SYM
fsr-3294	508	18	financial	financial	ADJ
fsr-3294	508	19	services	service	NOUN
fsr-3294	508	20	review	review	VERB
fsr-3294	508	21	26	26	NUM
fsr-3294	508	22	(	(	PUNCT
fsr-3294	508	23	2017	2017	NUM
fsr-3294	508	24	)	)	PUNCT
fsr-3294	508	25	19–36	19–36	NUM