id	sid	tid	token	lemma	pos
fsr-3296	1	1	personality	personality	NOUN
fsr-3296	1	2	and	and	CCONJ
fsr-3296	1	3	borrowing	borrowing	NOUN
fsr-3296	1	4	behavior	behavior	NOUN
fsr-3296	1	5	:	:	PUNCT
fsr-3296	1	6	an	an	DET
fsr-3296	1	7	examination	examination	NOUN
fsr-3296	1	8	of	of	ADP
fsr-3296	1	9	the	the	DET
fsr-3296	1	10	role	role	NOUN
fsr-3296	1	11	of	of	ADP
fsr-3296	1	12	need	need	NOUN
fsr-3296	1	13	for	for	ADP
fsr-3296	1	14	material	material	ADJ
fsr-3296	1	15	resources	resource	NOUN
fsr-3296	1	16	and	and	CCONJ
fsr-3296	1	17	need	need	VERB
fsr-3296	1	18	for	for	ADP
fsr-3296	1	19	arousal	arousal	ADJ
fsr-3296	1	20	traits	trait	NOUN
fsr-3296	1	21	on	on	ADP
fsr-3296	1	22	household	household	NOUN
fsr-3296	1	23	’s	’s	PART
fsr-3296	1	24	borrowing	borrowing	NOUN
fsr-3296	1	25	decisions	decision	NOUN
fsr-3296	1	26	atefeh	atefeh	X
fsr-3296	1	27	yazdanparasta	yazdanparasta	PROPN
fsr-3296	1	28	,	,	PUNCT
fsr-3296	1	29	yasser	yasser	PROPN
fsr-3296	1	30	alhenawib	alhenawib	PROPN
fsr-3296	1	31	,	,	PUNCT
fsr-3296	1	32	*	*	PROPN
fsr-3296	1	33	aassistant	aassistant	NOUN
fsr-3296	1	34	professor	professor	NOUN
fsr-3296	1	35	of	of	ADP
fsr-3296	1	36	marketing	marketing	NOUN
fsr-3296	1	37	,	,	PUNCT
fsr-3296	1	38	mead	mead	NOUN
fsr-3296	1	39	johnson	johnson	PROPN
fsr-3296	1	40	endowed	endowed	PROPN
fsr-3296	1	41	chair	chair	NOUN
fsr-3296	1	42	in	in	ADP
fsr-3296	1	43	business	business	NOUN
fsr-3296	1	44	,	,	PUNCT
fsr-3296	1	45	university	university	PROPN
fsr-3296	1	46	of	of	ADP
fsr-3296	1	47	evansville	evansville	PROPN
fsr-3296	1	48	,	,	PUNCT
fsr-3296	1	49	schroeder	schroeder	PROPN
fsr-3296	1	50	family	family	PROPN
fsr-3296	1	51	school	school	PROPN
fsr-3296	1	52	of	of	ADP
fsr-3296	1	53	business	business	PROPN
fsr-3296	1	54	administration	administration	PROPN
fsr-3296	1	55	,	,	PUNCT
fsr-3296	1	56	evansville	evansville	PROPN
fsr-3296	1	57	,	,	PUNCT
fsr-3296	1	58	in	in	ADP
fsr-3296	1	59	47722	47722	NUM
fsr-3296	1	60	,	,	PUNCT
fsr-3296	1	61	usa	usa	PROPN
fsr-3296	1	62	bassociate	bassociate	NOUN
fsr-3296	1	63	professor	professor	NOUN
fsr-3296	1	64	of	of	ADP
fsr-3296	1	65	finance	finance	NOUN
fsr-3296	1	66	,	,	PUNCT
fsr-3296	1	67	director	director	NOUN
fsr-3296	1	68	of	of	ADP
fsr-3296	1	69	the	the	DET
fsr-3296	1	70	institute	institute	NOUN
fsr-3296	1	71	of	of	ADP
fsr-3296	1	72	banking	banking	NOUN
fsr-3296	1	73	and	and	CCONJ
fsr-3296	1	74	finance	finance	NOUN
fsr-3296	1	75	,	,	PUNCT
fsr-3296	1	76	university	university	PROPN
fsr-3296	1	77	of	of	ADP
fsr-3296	1	78	evansville	evansville	PROPN
fsr-3296	1	79	,	,	PUNCT
fsr-3296	1	80	schroeder	schroeder	PROPN
fsr-3296	1	81	family	family	PROPN
fsr-3296	1	82	school	school	PROPN
fsr-3296	1	83	of	of	ADP
fsr-3296	1	84	business	business	PROPN
fsr-3296	1	85	administration	administration	PROPN
fsr-3296	1	86	,	,	PUNCT
fsr-3296	1	87	evansville	evansville	PROPN
fsr-3296	1	88	,	,	PUNCT
fsr-3296	1	89	in	in	ADP
fsr-3296	1	90	47722	47722	NUM
fsr-3296	1	91	,	,	PUNCT
fsr-3296	1	92	usa	usa	PROPN
fsr-3296	1	93	abstract	abstract	PROPN
fsr-3296	1	94	this	this	DET
fsr-3296	1	95	research	research	NOUN
fsr-3296	1	96	is	be	AUX
fsr-3296	1	97	an	an	DET
fsr-3296	1	98	empirical	empirical	ADJ
fsr-3296	1	99	examination	examination	NOUN
fsr-3296	1	100	of	of	ADP
fsr-3296	1	101	the	the	DET
fsr-3296	1	102	role	role	NOUN
fsr-3296	1	103	of	of	ADP
fsr-3296	1	104	psychological	psychological	ADJ
fsr-3296	1	105	characteristics	characteristic	NOUN
fsr-3296	1	106	of	of	ADP
fsr-3296	1	107	household	household	NOUN
fsr-3296	1	108	decision	decision	NOUN
fsr-3296	1	109	makers	maker	NOUN
fsr-3296	1	110	in	in	ADP
fsr-3296	1	111	their	their	PRON
fsr-3296	1	112	borrowing	borrowing	NOUN
fsr-3296	1	113	decisions	decision	NOUN
fsr-3296	1	114	.	.	PUNCT
fsr-3296	2	1	using	use	VERB
fsr-3296	2	2	a	a	DET
fsr-3296	2	3	unique	unique	ADJ
fsr-3296	2	4	household	household	NOUN
fsr-3296	2	5	survey	survey	NOUN
fsr-3296	2	6	data	datum	NOUN
fsr-3296	2	7	that	that	PRON
fsr-3296	2	8	ties	tie	VERB
fsr-3296	2	9	together	together	ADV
fsr-3296	2	10	relevant	relevant	ADJ
fsr-3296	2	11	concepts	concept	NOUN
fsr-3296	2	12	from	from	ADP
fsr-3296	2	13	the	the	DET
fsr-3296	2	14	survey	survey	NOUN
fsr-3296	2	15	of	of	ADP
fsr-3296	2	16	consumer	consumer	NOUN
fsr-3296	2	17	finances	finance	NOUN
fsr-3296	2	18	(	(	PUNCT
fsr-3296	2	19	scf	scf	PROPN
fsr-3296	2	20	)	)	PUNCT
fsr-3296	2	21	and	and	CCONJ
fsr-3296	2	22	psychological	psychological	ADJ
fsr-3296	2	23	and	and	CCONJ
fsr-3296	2	24	attitudinal	attitudinal	ADJ
fsr-3296	2	25	literature	literature	NOUN
fsr-3296	2	26	,	,	PUNCT
fsr-3296	2	27	we	we	PRON
fsr-3296	2	28	obtain	obtain	VERB
fsr-3296	2	29	direct	direct	ADJ
fsr-3296	2	30	measures	measure	NOUN
fsr-3296	2	31	of	of	ADP
fsr-3296	2	32	each	each	DET
fsr-3296	2	33	surveyed	survey	VERB
fsr-3296	2	34	household	household	NOUN
fsr-3296	2	35	’s	’s	PART
fsr-3296	2	36	personality	personality	NOUN
fsr-3296	2	37	scores	score	NOUN
fsr-3296	2	38	,	,	PUNCT
fsr-3296	2	39	relevant	relevant	ADJ
fsr-3296	2	40	attitudes	attitude	NOUN
fsr-3296	2	41	,	,	PUNCT
fsr-3296	2	42	and	and	CCONJ
fsr-3296	2	43	financial	financial	ADJ
fsr-3296	2	44	profiles	profile	NOUN
fsr-3296	2	45	.	.	PUNCT
fsr-3296	3	1	following	follow	VERB
fsr-3296	3	2	regression	regression	NOUN
fsr-3296	3	3	analysis	analysis	NOUN
fsr-3296	3	4	,	,	PUNCT
fsr-3296	3	5	we	we	PRON
fsr-3296	3	6	examine	examine	VERB
fsr-3296	3	7	the	the	DET
fsr-3296	3	8	relationship	relationship	NOUN
fsr-3296	3	9	between	between	ADP
fsr-3296	3	10	attitude	attitude	NOUN
fsr-3296	3	11	towards	towards	ADP
fsr-3296	3	12	borrowing	borrowing	NOUN
fsr-3296	3	13	and	and	CCONJ
fsr-3296	3	14	intentions	intention	NOUN
fsr-3296	3	15	to	to	PART
fsr-3296	3	16	apply	apply	VERB
fsr-3296	3	17	for	for	ADP
fsr-3296	3	18	specific	specific	ADJ
fsr-3296	3	19	borrowing	borrowing	NOUN
fsr-3296	3	20	options	option	NOUN
fsr-3296	3	21	and	and	CCONJ
fsr-3296	3	22	inspect	inspect	VERB
fsr-3296	3	23	the	the	DET
fsr-3296	3	24	role	role	NOUN
fsr-3296	3	25	of	of	ADP
fsr-3296	3	26	personality	personality	NOUN
fsr-3296	3	27	traits	trait	NOUN
fsr-3296	3	28	in	in	ADP
fsr-3296	3	29	such	such	ADJ
fsr-3296	3	30	decisions	decision	NOUN
fsr-3296	3	31	.	.	PUNCT
fsr-3296	4	1	specifically	specifically	ADV
fsr-3296	4	2	,	,	PUNCT
fsr-3296	4	3	we	we	PRON
fsr-3296	4	4	focus	focus	VERB
fsr-3296	4	5	on	on	ADP
fsr-3296	4	6	tow	tow	NOUN
fsr-3296	4	7	personality	personality	NOUN
fsr-3296	4	8	traits	trait	NOUN
fsr-3296	4	9	,	,	PUNCT
fsr-3296	4	10	the	the	DET
fsr-3296	4	11	need	need	NOUN
fsr-3296	4	12	for	for	ADP
fsr-3296	4	13	material	material	ADJ
fsr-3296	4	14	resources	resource	NOUN
fsr-3296	4	15	and	and	CCONJ
fsr-3296	4	16	the	the	DET
fsr-3296	4	17	need	need	NOUN
fsr-3296	4	18	for	for	ADP
fsr-3296	4	19	arousal	arousal	NOUN
fsr-3296	4	20	,	,	PUNCT
fsr-3296	4	21	which	which	PRON
fsr-3296	4	22	have	have	AUX
fsr-3296	4	23	been	be	AUX
fsr-3296	4	24	largely	largely	ADV
fsr-3296	4	25	ignored	ignore	VERB
fsr-3296	4	26	in	in	ADP
fsr-3296	4	27	extant	extant	ADJ
fsr-3296	4	28	household	household	NOUN
fsr-3296	4	29	finance	finance	NOUN
fsr-3296	4	30	literature	literature	NOUN
fsr-3296	4	31	.	.	PUNCT
fsr-3296	5	1	our	our	PRON
fsr-3296	5	2	findings	finding	NOUN
fsr-3296	5	3	indicate	indicate	VERB
fsr-3296	5	4	that	that	SCONJ
fsr-3296	5	5	the	the	DET
fsr-3296	5	6	attitude	attitude	NOUN
fsr-3296	5	7	toward	toward	ADP
fsr-3296	5	8	borrowing	borrowing	NOUN
fsr-3296	5	9	and	and	CCONJ
fsr-3296	5	10	the	the	DET
fsr-3296	5	11	intention	intention	NOUN
fsr-3296	5	12	to	to	PART
fsr-3296	5	13	borrow	borrow	VERB
fsr-3296	5	14	are	be	AUX
fsr-3296	5	15	not	not	PART
fsr-3296	5	16	always	always	ADV
fsr-3296	5	17	consistent	consistent	ADJ
fsr-3296	5	18	and	and	CCONJ
fsr-3296	5	19	,	,	PUNCT
fsr-3296	5	20	more	more	ADV
fsr-3296	5	21	interestingly	interestingly	ADV
fsr-3296	5	22	,	,	PUNCT
fsr-3296	5	23	the	the	DET
fsr-3296	5	24	discrepancies	discrepancy	NOUN
fsr-3296	5	25	between	between	ADP
fsr-3296	5	26	the	the	DET
fsr-3296	5	27	two	two	NUM
fsr-3296	5	28	vary	vary	VERB
fsr-3296	5	29	across	across	ADP
fsr-3296	5	30	personalities	personality	NOUN
fsr-3296	5	31	,	,	PUNCT
fsr-3296	5	32	highlighting	highlight	VERB
fsr-3296	5	33	the	the	DET
fsr-3296	5	34	role	role	NOUN
fsr-3296	5	35	of	of	ADP
fsr-3296	5	36	personality	personality	NOUN
fsr-3296	5	37	traits	trait	NOUN
fsr-3296	5	38	in	in	ADP
fsr-3296	5	39	borrowing	borrowing	NOUN
fsr-3296	5	40	decisions	decision	NOUN
fsr-3296	5	41	.	.	PUNCT
fsr-3296	6	1	specifically	specifically	ADV
fsr-3296	6	2	,	,	PUNCT
fsr-3296	6	3	while	while	SCONJ
fsr-3296	6	4	the	the	DET
fsr-3296	6	5	positive	positive	ADJ
fsr-3296	6	6	relationship	relationship	NOUN
fsr-3296	6	7	between	between	ADP
fsr-3296	6	8	attitude	attitude	NOUN
fsr-3296	6	9	towards	towards	ADP
fsr-3296	6	10	borrowing	borrowing	NOUN
fsr-3296	6	11	and	and	CCONJ
fsr-3296	6	12	intention	intention	NOUN
fsr-3296	6	13	to	to	PART
fsr-3296	6	14	borrow	borrow	VERB
fsr-3296	6	15	is	be	AUX
fsr-3296	6	16	intuitive	intuitive	ADJ
fsr-3296	6	17	,	,	PUNCT
fsr-3296	6	18	we	we	PRON
fsr-3296	6	19	show	show	VERB
fsr-3296	6	20	that	that	SCONJ
fsr-3296	6	21	this	this	DET
fsr-3296	6	22	relationship	relationship	NOUN
fsr-3296	6	23	is	be	AUX
fsr-3296	6	24	trivial	trivial	ADJ
fsr-3296	6	25	for	for	ADP
fsr-3296	6	26	individuals	individual	NOUN
fsr-3296	6	27	who	who	PRON
fsr-3296	6	28	score	score	VERB
fsr-3296	6	29	low	low	ADV
fsr-3296	6	30	on	on	ADP
fsr-3296	6	31	need	need	NOUN
fsr-3296	6	32	for	for	ADP
fsr-3296	6	33	material	material	ADJ
fsr-3296	6	34	resources	resource	NOUN
fsr-3296	6	35	and	and	CCONJ
fsr-3296	6	36	individuals	individual	NOUN
fsr-3296	6	37	with	with	ADP
fsr-3296	6	38	low	low	ADJ
fsr-3296	6	39	degrees	degree	NOUN
fsr-3296	6	40	of	of	ADP
fsr-3296	6	41	need	need	NOUN
fsr-3296	6	42	for	for	ADP
fsr-3296	6	43	arousal	arousal	NOUN
fsr-3296	6	44	.	.	PUNCT
fsr-3296	7	1	in	in	ADP
fsr-3296	7	2	contrast	contrast	NOUN
fsr-3296	7	3	,	,	PUNCT
fsr-3296	7	4	for	for	ADP
fsr-3296	7	5	individuals	individual	NOUN
fsr-3296	7	6	with	with	ADP
fsr-3296	7	7	higher	high	ADJ
fsr-3296	7	8	levels	level	NOUN
fsr-3296	7	9	of	of	ADP
fsr-3296	7	10	need	need	NOUN
fsr-3296	7	11	for	for	ADP
fsr-3296	7	12	material	material	ADJ
fsr-3296	7	13	resources	resource	NOUN
fsr-3296	7	14	and	and	CCONJ
fsr-3296	7	15	need	need	VERB
fsr-3296	7	16	for	for	ADP
fsr-3296	7	17	arousal	arousal	NOUN
fsr-3296	7	18	,	,	PUNCT
fsr-3296	7	19	the	the	DET
fsr-3296	7	20	positive	positive	ADJ
fsr-3296	7	21	association	association	NOUN
fsr-3296	7	22	between	between	ADP
fsr-3296	7	23	attitude	attitude	NOUN
fsr-3296	7	24	towards	towards	ADP
fsr-3296	7	25	borrowing	borrowing	NOUN
fsr-3296	7	26	and	and	CCONJ
fsr-3296	7	27	the	the	DET
fsr-3296	7	28	intention	intention	NOUN
fsr-3296	7	29	to	to	PART
fsr-3296	7	30	borrow	borrow	VERB
fsr-3296	7	31	is	be	AUX
fsr-3296	7	32	significantly	significantly	ADV
fsr-3296	7	33	intensified	intensify	VERB
fsr-3296	7	34	.	.	PUNCT
fsr-3296	8	1	further	far	ADV
fsr-3296	8	2	,	,	PUNCT
fsr-3296	8	3	our	our	PRON
fsr-3296	8	4	results	result	NOUN
fsr-3296	8	5	suggest	suggest	VERB
fsr-3296	8	6	that	that	SCONJ
fsr-3296	8	7	borrowing	borrowing	NOUN
fsr-3296	8	8	options	option	NOUN
fsr-3296	8	9	are	be	AUX
fsr-3296	8	10	not	not	PART
fsr-3296	8	11	homogenous	homogenous	ADJ
fsr-3296	8	12	and	and	CCONJ
fsr-3296	8	13	are	be	AUX
fsr-3296	8	14	motivated	motivate	VERB
fsr-3296	8	15	differently	differently	ADV
fsr-3296	8	16	.	.	PUNCT
fsr-3296	9	1	consistent	consistent	ADJ
fsr-3296	9	2	with	with	ADP
fsr-3296	9	3	the	the	DET
fsr-3296	9	4	view	view	NOUN
fsr-3296	9	5	that	that	SCONJ
fsr-3296	9	6	individuals	individual	NOUN
fsr-3296	9	7	with	with	ADP
fsr-3296	9	8	greater	great	ADJ
fsr-3296	9	9	need	need	NOUN
fsr-3296	9	10	for	for	ADP
fsr-3296	9	11	material	material	ADJ
fsr-3296	9	12	resources	resource	NOUN
fsr-3296	9	13	consider	consider	VERB
fsr-3296	9	14	quantity	quantity	NOUN
fsr-3296	9	15	and	and	CCONJ
fsr-3296	9	16	quality	quality	NOUN
fsr-3296	9	17	of	of	ADP
fsr-3296	9	18	possessions	possession	NOUN
fsr-3296	9	19	as	as	SCONJ
fsr-3296	9	20	the	the	DET
fsr-3296	9	21	criteria	criterion	NOUN
fsr-3296	9	22	to	to	PART
fsr-3296	9	23	judge	judge	VERB
fsr-3296	9	24	personal	personal	ADJ
fsr-3296	9	25	success	success	NOUN
fsr-3296	9	26	,	,	PUNCT
fsr-3296	9	27	we	we	PRON
fsr-3296	9	28	find	find	VERB
fsr-3296	9	29	that	that	SCONJ
fsr-3296	9	30	these	these	DET
fsr-3296	9	31	individuals	individual	NOUN
fsr-3296	9	32	have	have	VERB
fsr-3296	9	33	stronger	strong	ADJ
fsr-3296	9	34	intentions	intention	NOUN
fsr-3296	9	35	for	for	ADP
fsr-3296	9	36	mortgages	mortgage	NOUN
fsr-3296	9	37	,	,	PUNCT
fsr-3296	9	38	home	home	NOUN
fsr-3296	9	39	improvement	improvement	NOUN
fsr-3296	9	40	loans	loan	NOUN
fsr-3296	9	41	,	,	PUNCT
fsr-3296	9	42	business	business	NOUN
fsr-3296	9	43	loans	loan	NOUN
fsr-3296	9	44	,	,	PUNCT
fsr-3296	9	45	personal	personal	ADJ
fsr-3296	9	46	loans	loan	NOUN
fsr-3296	9	47	,	,	PUNCT
fsr-3296	9	48	and	and	CCONJ
fsr-3296	9	49	payday	payday	NOUN
fsr-3296	9	50	loans	loan	NOUN
fsr-3296	9	51	.	.	PUNCT
fsr-3296	10	1	similarly	similarly	ADV
fsr-3296	10	2	,	,	PUNCT
fsr-3296	10	3	con	con	X
fsr-3296	10	4	*	*	PUNCT
fsr-3296	10	5	corresponding	correspond	VERB
fsr-3296	10	6	author	author	NOUN
fsr-3296	10	7	.	.	PUNCT
fsr-3296	11	1	tel	tel	PROPN
fsr-3296	11	2	.	.	PUNCT
fsr-3296	11	3	:	:	PUNCT
fsr-3296	12	1	�	�	PROPN
fsr-3296	12	2	1	1	NUM
fsr-3296	12	3	-	-	SYM
fsr-3296	12	4	504	504	NUM
fsr-3296	12	5	-	-	PUNCT
fsr-3296	12	6	208	208	NUM
fsr-3296	12	7	-	-	SYM
fsr-3296	12	8	7749	7749	NUM
fsr-3296	12	9	;	;	PUNCT
fsr-3296	12	10	fax	fax	NOUN
fsr-3296	12	11	:	:	PUNCT
fsr-3296	12	12	�	�	PROPN
fsr-3296	12	13	1	1	NUM
fsr-3296	12	14	-	-	SYM
fsr-3296	12	15	812	812	NUM
fsr-3296	12	16	-	-	PUNCT
fsr-3296	12	17	488	488	NUM
fsr-3296	12	18	-	-	SYM
fsr-3296	12	19	2872	2872	NUM
fsr-3296	12	20	.	.	PUNCT
fsr-3296	13	1	e	e	X
fsr-3296	13	2	-	-	NOUN
fsr-3296	13	3	mail	mail	NOUN
fsr-3296	13	4	address	address	NOUN
fsr-3296	13	5	:	:	PUNCT
fsr-3296	13	6	ya22@evansville.edu	ya22@evansville.edu	PROPN
fsr-3296	13	7	(	(	PUNCT
fsr-3296	13	8	a.	a.	NOUN
fsr-3296	13	9	yazdanparast	yazdanparast	NOUN
fsr-3296	13	10	)	)	PUNCT
fsr-3296	13	11	financial	financial	ADJ
fsr-3296	13	12	services	service	NOUN
fsr-3296	13	13	review	review	VERB
fsr-3296	13	14	26	26	NUM
fsr-3296	13	15	(	(	PUNCT
fsr-3296	13	16	2017	2017	NUM
fsr-3296	13	17	)	)	PUNCT
fsr-3296	13	18	55–85	55–85	NUM
fsr-3296	13	19	1057	1057	NUM
fsr-3296	13	20	-	-	SYM
fsr-3296	13	21	0810/17/$	0810/17/$	NUM
fsr-3296	13	22	–	–	PUNCT
fsr-3296	13	23	see	see	VERB
fsr-3296	13	24	front	front	ADJ
fsr-3296	13	25	matter	matter	NOUN
fsr-3296	13	26	©	©	PROPN
fsr-3296	13	27	2017	2017	NUM
fsr-3296	13	28	academy	academy	NOUN
fsr-3296	13	29	of	of	ADP
fsr-3296	13	30	financial	financial	ADJ
fsr-3296	13	31	services	service	NOUN
fsr-3296	13	32	.	.	PUNCT
fsr-3296	14	1	all	all	DET
fsr-3296	14	2	rights	right	NOUN
fsr-3296	14	3	reserved	reserve	VERB
fsr-3296	14	4	.	.	PUNCT
fsr-3296	15	1	sistent	sistent	NOUN
fsr-3296	15	2	with	with	ADP
fsr-3296	15	3	the	the	DET
fsr-3296	15	4	view	view	NOUN
fsr-3296	15	5	that	that	SCONJ
fsr-3296	15	6	individuals	individual	NOUN
fsr-3296	15	7	with	with	ADP
fsr-3296	15	8	greater	great	ADJ
fsr-3296	15	9	need	need	NOUN
fsr-3296	15	10	for	for	ADP
fsr-3296	15	11	arousal	arousal	ADJ
fsr-3296	15	12	favor	favor	NOUN
fsr-3296	15	13	stimulation	stimulation	NOUN
fsr-3296	15	14	and	and	CCONJ
fsr-3296	15	15	excitement	excitement	NOUN
fsr-3296	15	16	that	that	PRON
fsr-3296	15	17	is	be	AUX
fsr-3296	15	18	often	often	ADV
fsr-3296	15	19	associated	associate	VERB
fsr-3296	15	20	with	with	ADP
fsr-3296	15	21	more	more	ADJ
fsr-3296	15	22	spending	spending	NOUN
fsr-3296	15	23	,	,	PUNCT
fsr-3296	15	24	we	we	PRON
fsr-3296	15	25	find	find	VERB
fsr-3296	15	26	that	that	SCONJ
fsr-3296	15	27	the	the	DET
fsr-3296	15	28	borrowing	borrowing	NOUN
fsr-3296	15	29	decisions	decision	NOUN
fsr-3296	15	30	of	of	ADP
fsr-3296	15	31	these	these	DET
fsr-3296	15	32	individual	individual	NOUN
fsr-3296	15	33	are	be	AUX
fsr-3296	15	34	marked	mark	VERB
fsr-3296	15	35	with	with	ADP
fsr-3296	15	36	stronger	strong	ADJ
fsr-3296	15	37	intentions	intention	NOUN
fsr-3296	15	38	for	for	ADP
fsr-3296	15	39	home	home	NOUN
fsr-3296	15	40	improvement	improvement	NOUN
fsr-3296	15	41	loans	loan	NOUN
fsr-3296	15	42	,	,	PUNCT
fsr-3296	15	43	business	business	NOUN
fsr-3296	15	44	loans	loan	NOUN
fsr-3296	15	45	,	,	PUNCT
fsr-3296	15	46	student	student	NOUN
fsr-3296	15	47	loans	loan	NOUN
fsr-3296	15	48	,	,	PUNCT
fsr-3296	15	49	personal	personal	ADJ
fsr-3296	15	50	loans	loan	NOUN
fsr-3296	15	51	,	,	PUNCT
fsr-3296	15	52	and	and	CCONJ
fsr-3296	15	53	payday	payday	NOUN
fsr-3296	15	54	loans	loan	NOUN
fsr-3296	15	55	.	.	PUNCT
fsr-3296	16	1	the	the	DET
fsr-3296	16	2	intentions	intention	NOUN
fsr-3296	16	3	for	for	ADP
fsr-3296	16	4	credits	credit	NOUN
fsr-3296	16	5	cards	card	NOUN
fsr-3296	16	6	and	and	CCONJ
fsr-3296	16	7	automotive	automotive	ADJ
fsr-3296	16	8	loans	loan	NOUN
fsr-3296	16	9	seem	seem	VERB
fsr-3296	16	10	to	to	PART
fsr-3296	16	11	be	be	AUX
fsr-3296	16	12	independent	independent	ADJ
fsr-3296	16	13	from	from	ADP
fsr-3296	16	14	the	the	DET
fsr-3296	16	15	borrower	borrower	NOUN
fsr-3296	16	16	’s	’s	PART
fsr-3296	16	17	personality	personality	NOUN
fsr-3296	16	18	.	.	PUNCT
fsr-3296	17	1	finally	finally	ADV
fsr-3296	17	2	,	,	PUNCT
fsr-3296	17	3	we	we	PRON
fsr-3296	17	4	report	report	VERB
fsr-3296	17	5	strong	strong	ADJ
fsr-3296	17	6	evidence	evidence	NOUN
fsr-3296	17	7	that	that	SCONJ
fsr-3296	17	8	personal	personal	ADJ
fsr-3296	17	9	attitudinal	attitudinal	ADJ
fsr-3296	17	10	biases	bias	NOUN
fsr-3296	17	11	towards	towards	ADP
fsr-3296	17	12	money	money	NOUN
fsr-3296	17	13	,	,	PUNCT
fsr-3296	17	14	risk	risk	NOUN
fsr-3296	17	15	,	,	PUNCT
fsr-3296	17	16	financial	financial	ADJ
fsr-3296	17	17	planning	planning	NOUN
fsr-3296	17	18	,	,	PUNCT
fsr-3296	17	19	and	and	CCONJ
fsr-3296	17	20	borrowing	borrow	VERB
fsr-3296	17	21	as	as	ADV
fsr-3296	17	22	well	well	ADV
fsr-3296	17	23	as	as	ADP
fsr-3296	17	24	certain	certain	ADJ
fsr-3296	17	25	demographic	demographic	ADJ
fsr-3296	17	26	characteristics	characteristic	NOUN
fsr-3296	17	27	influence	influence	NOUN
fsr-3296	17	28	household	household	NOUN
fsr-3296	17	29	’s	’s	PART
fsr-3296	17	30	borrowing	borrowing	NOUN
fsr-3296	17	31	behavior	behavior	NOUN
fsr-3296	17	32	.	.	PUNCT
fsr-3296	18	1	our	our	PRON
fsr-3296	18	2	work	work	NOUN
fsr-3296	18	3	contributes	contribute	VERB
fsr-3296	18	4	to	to	ADP
fsr-3296	18	5	the	the	DET
fsr-3296	18	6	literature	literature	NOUN
fsr-3296	18	7	on	on	ADP
fsr-3296	18	8	household	household	NOUN
fsr-3296	18	9	finance	finance	NOUN
fsr-3296	18	10	in	in	ADP
fsr-3296	18	11	several	several	ADJ
fsr-3296	18	12	ways	way	NOUN
fsr-3296	18	13	.	.	PUNCT
fsr-3296	19	1	first	first	ADV
fsr-3296	19	2	,	,	PUNCT
fsr-3296	19	3	we	we	PRON
fsr-3296	19	4	focus	focus	VERB
fsr-3296	19	5	on	on	ADP
fsr-3296	19	6	two	two	NUM
fsr-3296	19	7	under	under	ADV
fsr-3296	19	8	-	-	PUNCT
fsr-3296	19	9	researched	research	VERB
fsr-3296	19	10	personality	personality	NOUN
fsr-3296	19	11	traits	trait	NOUN
fsr-3296	19	12	to	to	PART
fsr-3296	19	13	examine	examine	VERB
fsr-3296	19	14	their	their	PRON
fsr-3296	19	15	roles	role	NOUN
fsr-3296	19	16	in	in	ADP
fsr-3296	19	17	household	household	NOUN
fsr-3296	19	18	borrowing	borrowing	NOUN
fsr-3296	19	19	decisions	decision	NOUN
fsr-3296	19	20	.	.	PUNCT
fsr-3296	20	1	second	second	ADJ
fsr-3296	20	2	,	,	PUNCT
fsr-3296	20	3	this	this	DET
fsr-3296	20	4	research	research	NOUN
fsr-3296	20	5	recognizes	recognize	VERB
fsr-3296	20	6	the	the	DET
fsr-3296	20	7	distinction	distinction	NOUN
fsr-3296	20	8	between	between	ADP
fsr-3296	20	9	the	the	DET
fsr-3296	20	10	attitude	attitude	NOUN
fsr-3296	20	11	towards	towards	ADP
fsr-3296	20	12	borrowing	borrowing	NOUN
fsr-3296	20	13	and	and	CCONJ
fsr-3296	20	14	the	the	DET
fsr-3296	20	15	intention	intention	NOUN
fsr-3296	20	16	to	to	PART
fsr-3296	20	17	borrow	borrow	VERB
fsr-3296	20	18	and	and	CCONJ
fsr-3296	20	19	examines	examine	VERB
fsr-3296	20	20	the	the	DET
fsr-3296	20	21	inconsistencies	inconsistency	NOUN
fsr-3296	20	22	between	between	ADP
fsr-3296	20	23	them	they	PRON
fsr-3296	20	24	.	.	PUNCT
fsr-3296	21	1	third	third	ADV
fsr-3296	21	2	,	,	PUNCT
fsr-3296	21	3	we	we	PRON
fsr-3296	21	4	consider	consider	VERB
fsr-3296	21	5	a	a	DET
fsr-3296	21	6	wide	wide	ADJ
fsr-3296	21	7	spectrum	spectrum	NOUN
fsr-3296	21	8	of	of	ADP
fsr-3296	21	9	borrowing	borrowing	NOUN
fsr-3296	21	10	options	option	NOUN
fsr-3296	21	11	that	that	PRON
fsr-3296	21	12	differ	differ	VERB
fsr-3296	21	13	in	in	ADP
fsr-3296	21	14	terms	term	NOUN
fsr-3296	21	15	of	of	ADP
fsr-3296	21	16	risk	risk	NOUN
fsr-3296	21	17	,	,	PUNCT
fsr-3296	21	18	motivation	motivation	NOUN
fsr-3296	21	19	,	,	PUNCT
fsr-3296	21	20	and	and	CCONJ
fsr-3296	21	21	loan	loan	NOUN
fsr-3296	21	22	maturity	maturity	NOUN
fsr-3296	21	23	.	.	PUNCT
fsr-3296	22	1	©	©	PROPN
fsr-3296	22	2	2017	2017	NUM
fsr-3296	22	3	academy	academy	NOUN
fsr-3296	22	4	of	of	ADP
fsr-3296	22	5	financial	financial	ADJ
fsr-3296	22	6	services	service	NOUN
fsr-3296	22	7	.	.	PUNCT
fsr-3296	23	1	all	all	DET
fsr-3296	23	2	rights	right	NOUN
fsr-3296	23	3	reserved	reserve	VERB
fsr-3296	23	4	.	.	PUNCT
fsr-3296	24	1	jel	jel	PROPN
fsr-3296	24	2	classification	classification	NOUN
fsr-3296	24	3	:	:	PUNCT
fsr-3296	24	4	d03	d03	NOUN
fsr-3296	24	5	;	;	PUNCT
fsr-3296	24	6	d14	d14	NOUN
fsr-3296	24	7	keywords	keyword	NOUN
fsr-3296	24	8	:	:	PUNCT
fsr-3296	24	9	personality	personality	NOUN
fsr-3296	24	10	;	;	PUNCT
fsr-3296	24	11	household	household	NOUN
fsr-3296	24	12	finance	finance	NOUN
fsr-3296	24	13	;	;	PUNCT
fsr-3296	24	14	financial	financial	ADJ
fsr-3296	24	15	decision	decision	NOUN
fsr-3296	24	16	;	;	PUNCT
fsr-3296	24	17	borrowing	borrow	VERB
fsr-3296	24	18	attitude	attitude	NOUN
fsr-3296	24	19	;	;	PUNCT
fsr-3296	24	20	borrowing	borrow	VERB
fsr-3296	24	21	intention	intention	NOUN
fsr-3296	24	22	1	1	NUM
fsr-3296	24	23	.	.	PUNCT
fsr-3296	25	1	introduction	introduction	NOUN
fsr-3296	25	2	household	household	NOUN
fsr-3296	25	3	finance	finance	NOUN
fsr-3296	25	4	is	be	AUX
fsr-3296	25	5	an	an	DET
fsr-3296	25	6	emerging	emerge	VERB
fsr-3296	25	7	field	field	NOUN
fsr-3296	25	8	of	of	ADP
fsr-3296	25	9	research	research	NOUN
fsr-3296	25	10	(	(	PUNCT
fsr-3296	25	11	brown	brown	PROPN
fsr-3296	25	12	&	&	CCONJ
fsr-3296	25	13	taylor	taylor	PROPN
fsr-3296	25	14	,	,	PUNCT
fsr-3296	25	15	2011	2011	NUM
fsr-3296	25	16	;	;	PUNCT
fsr-3296	25	17	campbell	campbell	PROPN
fsr-3296	25	18	,	,	PUNCT
fsr-3296	25	19	2006	2006	NUM
fsr-3296	25	20	)	)	PUNCT
fsr-3296	25	21	that	that	PRON
fsr-3296	25	22	has	have	AUX
fsr-3296	25	23	attracted	attract	VERB
fsr-3296	25	24	scholars	scholar	NOUN
fsr-3296	25	25	from	from	ADP
fsr-3296	25	26	finance	finance	NOUN
fsr-3296	25	27	,	,	PUNCT
fsr-3296	25	28	economics	economic	NOUN
fsr-3296	25	29	,	,	PUNCT
fsr-3296	25	30	management	management	NOUN
fsr-3296	25	31	,	,	PUNCT
fsr-3296	25	32	communication	communication	NOUN
fsr-3296	25	33	,	,	PUNCT
fsr-3296	25	34	and	and	CCONJ
fsr-3296	25	35	marketing	marketing	NOUN
fsr-3296	25	36	(	(	PUNCT
fsr-3296	25	37	e.g.	e.g.	ADV
fsr-3296	25	38	,	,	PUNCT
fsr-3296	25	39	besharat	besharat	NOUN
fsr-3296	25	40	et	et	PROPN
fsr-3296	25	41	al	al	PROPN
fsr-3296	25	42	.	.	PROPN
fsr-3296	25	43	,	,	PUNCT
fsr-3296	25	44	2014	2014	NUM
fsr-3296	25	45	,	,	PUNCT
fsr-3296	25	46	2015	2015	NUM
fsr-3296	25	47	;	;	PUNCT
fsr-3296	25	48	duclos	duclo	NOUN
fsr-3296	25	49	,	,	PUNCT
fsr-3296	25	50	2015	2015	NUM
fsr-3296	25	51	;	;	PUNCT
fsr-3296	25	52	lynch	lynch	PROPN
fsr-3296	25	53	,	,	PUNCT
fsr-3296	25	54	2011	2011	NUM
fsr-3296	25	55	;	;	PUNCT
fsr-3296	25	56	and	and	CCONJ
fsr-3296	25	57	shefrin	shefrin	NOUN
fsr-3296	25	58	&	&	CCONJ
fsr-3296	25	59	nicols	nicols	PROPN
fsr-3296	25	60	,	,	PUNCT
fsr-3296	25	61	2014	2014	NUM
fsr-3296	25	62	)	)	PUNCT
fsr-3296	25	63	.	.	PUNCT
fsr-3296	26	1	this	this	DET
fsr-3296	26	2	growing	grow	VERB
fsr-3296	26	3	and	and	CCONJ
fsr-3296	26	4	diverse	diverse	ADJ
fsr-3296	26	5	interest	interest	NOUN
fsr-3296	26	6	is	be	AUX
fsr-3296	26	7	perhaps	perhaps	ADV
fsr-3296	26	8	attributed	attribute	VERB
fsr-3296	26	9	to	to	ADP
fsr-3296	26	10	the	the	DET
fsr-3296	26	11	far	far	ADV
fsr-3296	26	12	-	-	PUNCT
fsr-3296	26	13	reaching	reach	VERB
fsr-3296	26	14	impacts	impact	NOUN
fsr-3296	26	15	of	of	ADP
fsr-3296	26	16	household	household	NOUN
fsr-3296	26	17	’s	’s	PART
fsr-3296	26	18	financial	financial	ADJ
fsr-3296	26	19	decisions	decision	NOUN
fsr-3296	26	20	on	on	ADP
fsr-3296	26	21	consumer	consumer	NOUN
fsr-3296	26	22	welfare	welfare	NOUN
fsr-3296	26	23	,	,	PUNCT
fsr-3296	26	24	marketing	marketing	NOUN
fsr-3296	26	25	practices	practice	NOUN
fsr-3296	26	26	,	,	PUNCT
fsr-3296	26	27	financial	financial	ADJ
fsr-3296	26	28	service	service	NOUN
fsr-3296	26	29	providers	provider	NOUN
fsr-3296	26	30	’	'	PUNCT
fsr-3296	26	31	strategies	strategy	NOUN
fsr-3296	26	32	,	,	PUNCT
fsr-3296	26	33	and	and	CCONJ
fsr-3296	26	34	the	the	DET
fsr-3296	26	35	stability	stability	NOUN
fsr-3296	26	36	and	and	CCONJ
fsr-3296	26	37	reliability	reliability	NOUN
fsr-3296	26	38	of	of	ADP
fsr-3296	26	39	the	the	DET
fsr-3296	26	40	financial	financial	ADJ
fsr-3296	26	41	system	system	NOUN
fsr-3296	26	42	(	(	PUNCT
fsr-3296	26	43	lynch	lynch	PROPN
fsr-3296	26	44	,	,	PUNCT
fsr-3296	26	45	2011	2011	NUM
fsr-3296	26	46	;	;	PUNCT
fsr-3296	26	47	priog	priog	PROPN
fsr-3296	26	48	&	&	CCONJ
fsr-3296	26	49	roberts	roberts	PROPN
fsr-3296	26	50	,	,	PUNCT
fsr-3296	26	51	2007	2007	NUM
fsr-3296	26	52	)	)	PUNCT
fsr-3296	26	53	.	.	PUNCT
fsr-3296	27	1	moreover	moreover	ADV
fsr-3296	27	2	,	,	PUNCT
fsr-3296	27	3	extant	extant	ADJ
fsr-3296	27	4	research	research	NOUN
fsr-3296	27	5	has	have	AUX
fsr-3296	27	6	recognized	recognize	VERB
fsr-3296	27	7	the	the	DET
fsr-3296	27	8	fact	fact	NOUN
fsr-3296	27	9	that	that	SCONJ
fsr-3296	27	10	financial	financial	ADJ
fsr-3296	27	11	decisions	decision	NOUN
fsr-3296	27	12	are	be	AUX
fsr-3296	27	13	influenced	influence	VERB
fsr-3296	27	14	not	not	PART
fsr-3296	27	15	only	only	ADV
fsr-3296	27	16	by	by	ADP
fsr-3296	27	17	household	household	NOUN
fsr-3296	27	18	’s	’s	PART
fsr-3296	27	19	financial	financial	ADJ
fsr-3296	27	20	profile	profile	NOUN
fsr-3296	27	21	but	but	CCONJ
fsr-3296	27	22	also	also	ADV
fsr-3296	27	23	by	by	ADP
fsr-3296	27	24	decision	decision	NOUN
fsr-3296	27	25	makers	maker	NOUN
fsr-3296	27	26	’	'	PUNCT
fsr-3296	27	27	personality	personality	NOUN
fsr-3296	27	28	,	,	PUNCT
fsr-3296	27	29	habits	habit	NOUN
fsr-3296	27	30	,	,	PUNCT
fsr-3296	27	31	and	and	CCONJ
fsr-3296	27	32	other	other	ADJ
fsr-3296	27	33	individual	individual	ADJ
fsr-3296	27	34	characteristics	characteristic	NOUN
fsr-3296	27	35	(	(	PUNCT
fsr-3296	27	36	lynch	lynch	PROPN
fsr-3296	27	37	,	,	PUNCT
fsr-3296	27	38	2011	2011	NUM
fsr-3296	27	39	)	)	PUNCT
fsr-3296	27	40	.	.	PUNCT
fsr-3296	28	1	not	not	PART
fsr-3296	28	2	surprisingly	surprisingly	ADV
fsr-3296	28	3	,	,	PUNCT
fsr-3296	28	4	a	a	DET
fsr-3296	28	5	growing	grow	VERB
fsr-3296	28	6	area	area	NOUN
fsr-3296	28	7	of	of	ADP
fsr-3296	28	8	household	household	NOUN
fsr-3296	28	9	finance	finance	NOUN
fsr-3296	28	10	research	research	NOUN
fsr-3296	28	11	examines	examine	VERB
fsr-3296	28	12	psychological	psychological	ADJ
fsr-3296	28	13	factors	factor	NOUN
fsr-3296	28	14	impacting	impact	VERB
fsr-3296	28	15	household	household	NOUN
fsr-3296	28	16	financial	financial	ADJ
fsr-3296	28	17	decisions	decision	NOUN
fsr-3296	28	18	(	(	PUNCT
fsr-3296	28	19	see	see	VERB
fsr-3296	28	20	guiso	guiso	PROPN
fsr-3296	28	21	et	et	PROPN
fsr-3296	28	22	al	al	PROPN
fsr-3296	28	23	.	.	PROPN
fsr-3296	28	24	,	,	PUNCT
fsr-3296	28	25	2002	2002	NUM
fsr-3296	28	26	for	for	ADP
fsr-3296	28	27	a	a	DET
fsr-3296	28	28	comprehensive	comprehensive	ADJ
fsr-3296	28	29	review	review	NOUN
fsr-3296	28	30	)	)	PUNCT
fsr-3296	28	31	.	.	PUNCT
fsr-3296	29	1	our	our	PRON
fsr-3296	29	2	work	work	NOUN
fsr-3296	29	3	belongs	belong	VERB
fsr-3296	29	4	to	to	ADP
fsr-3296	29	5	this	this	DET
fsr-3296	29	6	area	area	NOUN
fsr-3296	29	7	of	of	ADP
fsr-3296	29	8	literature	literature	NOUN
fsr-3296	29	9	and	and	CCONJ
fsr-3296	29	10	focuses	focus	VERB
fsr-3296	29	11	on	on	ADP
fsr-3296	29	12	how	how	SCONJ
fsr-3296	29	13	individual	individual	ADJ
fsr-3296	29	14	characteristics	characteristic	NOUN
fsr-3296	29	15	impact	impact	NOUN
fsr-3296	29	16	household	household	NOUN
fsr-3296	29	17	’s	’s	PART
fsr-3296	29	18	borrowing	borrowing	NOUN
fsr-3296	29	19	choices	choice	NOUN
fsr-3296	29	20	.	.	PUNCT
fsr-3296	30	1	since	since	SCONJ
fsr-3296	30	2	borrowing	borrow	VERB
fsr-3296	30	3	behavior	behavior	NOUN
fsr-3296	30	4	presents	present	VERB
fsr-3296	30	5	a	a	DET
fsr-3296	30	6	specific	specific	ADJ
fsr-3296	30	7	context	context	NOUN
fsr-3296	30	8	of	of	ADP
fsr-3296	30	9	consumer	consumer	NOUN
fsr-3296	30	10	decision	decision	NOUN
fsr-3296	30	11	making	making	NOUN
fsr-3296	30	12	,	,	PUNCT
fsr-3296	30	13	it	it	PRON
fsr-3296	30	14	is	be	AUX
fsr-3296	30	15	important	important	ADJ
fsr-3296	30	16	to	to	PART
fsr-3296	30	17	study	study	VERB
fsr-3296	30	18	the	the	DET
fsr-3296	30	19	factors	factor	NOUN
fsr-3296	30	20	that	that	PRON
fsr-3296	30	21	impact	impact	VERB
fsr-3296	30	22	borrowing	borrowing	NOUN
fsr-3296	30	23	decisions	decision	NOUN
fsr-3296	30	24	.	.	PUNCT
fsr-3296	31	1	theory	theory	NOUN
fsr-3296	31	2	of	of	ADP
fsr-3296	31	3	planned	plan	VERB
fsr-3296	31	4	behavior	behavior	NOUN
fsr-3296	31	5	,	,	PUNCT
fsr-3296	31	6	a	a	DET
fsr-3296	31	7	well	well	ADV
fsr-3296	31	8	-	-	PUNCT
fsr-3296	31	9	known	know	VERB
fsr-3296	31	10	theory	theory	NOUN
fsr-3296	31	11	in	in	ADP
fsr-3296	31	12	psychology	psychology	NOUN
fsr-3296	31	13	(	(	PUNCT
fsr-3296	31	14	e.g.	e.g.	ADV
fsr-3296	31	15	,	,	PUNCT
fsr-3296	31	16	ajzen	ajzen	PROPN
fsr-3296	31	17	&	&	CCONJ
fsr-3296	31	18	fishbein	fishbein	ADJ
fsr-3296	31	19	1980	1980	NUM
fsr-3296	31	20	)	)	PUNCT
fsr-3296	31	21	maintains	maintain	VERB
fsr-3296	31	22	that	that	SCONJ
fsr-3296	31	23	behaviors	behavior	NOUN
fsr-3296	31	24	are	be	AUX
fsr-3296	31	25	influenced	influence	VERB
fsr-3296	31	26	by	by	ADP
fsr-3296	31	27	attitudes	attitude	NOUN
fsr-3296	31	28	and	and	CCONJ
fsr-3296	31	29	intentions	intention	NOUN
fsr-3296	31	30	.	.	PUNCT
fsr-3296	32	1	in	in	ADP
fsr-3296	32	2	fact	fact	NOUN
fsr-3296	32	3	,	,	PUNCT
fsr-3296	32	4	attitudes	attitude	NOUN
fsr-3296	32	5	can	can	AUX
fsr-3296	32	6	influence	influence	VERB
fsr-3296	32	7	behavior	behavior	NOUN
fsr-3296	32	8	directly	directly	ADV
fsr-3296	32	9	,	,	PUNCT
fsr-3296	32	10	as	as	ADV
fsr-3296	32	11	well	well	ADV
fsr-3296	32	12	as	as	ADP
fsr-3296	32	13	indirectly	indirectly	ADV
fsr-3296	32	14	through	through	ADP
fsr-3296	32	15	intentions	intention	NOUN
fsr-3296	32	16	(	(	PUNCT
fsr-3296	32	17	e.g.	e.g.	ADV
fsr-3296	32	18	,	,	PUNCT
fsr-3296	32	19	bentler	bentler	NOUN
fsr-3296	32	20	&	&	CCONJ
fsr-3296	32	21	speckart	speckart	PROPN
fsr-3296	32	22	,	,	PUNCT
fsr-3296	32	23	1981	1981	NUM
fsr-3296	32	24	,	,	PUNCT
fsr-3296	32	25	hurst	hurst	PROPN
fsr-3296	32	26	&	&	CCONJ
fsr-3296	32	27	mendoza	mendoza	PROPN
fsr-3296	32	28	,	,	PUNCT
fsr-3296	32	29	2016	2016	NUM
fsr-3296	32	30	)	)	PUNCT
fsr-3296	32	31	.	.	PUNCT
fsr-3296	33	1	attitudes	attitude	NOUN
fsr-3296	33	2	are	be	AUX
fsr-3296	33	3	generally	generally	ADV
fsr-3296	33	4	defined	define	VERB
fsr-3296	33	5	as	as	ADP
fsr-3296	33	6	the	the	DET
fsr-3296	33	7	lasting	last	VERB
fsr-3296	33	8	(	(	PUNCT
fsr-3296	33	9	favorable	favorable	ADJ
fsr-3296	33	10	or	or	CCONJ
fsr-3296	33	11	unfavorable	unfavorable	ADJ
fsr-3296	33	12	)	)	PUNCT
fsr-3296	33	13	evaluations	evaluation	NOUN
fsr-3296	33	14	toward	toward	ADP
fsr-3296	33	15	an	an	DET
fsr-3296	33	16	object	object	NOUN
fsr-3296	33	17	,	,	PUNCT
fsr-3296	33	18	action	action	NOUN
fsr-3296	33	19	,	,	PUNCT
fsr-3296	33	20	and	and	CCONJ
fsr-3296	33	21	so	so	ADV
fsr-3296	33	22	forth	forth	ADV
fsr-3296	33	23	,	,	PUNCT
fsr-3296	33	24	while	while	SCONJ
fsr-3296	33	25	an	an	DET
fsr-3296	33	26	intention	intention	NOUN
fsr-3296	33	27	is	be	AUX
fsr-3296	33	28	a	a	DET
fsr-3296	33	29	particular	particular	ADJ
fsr-3296	33	30	type	type	NOUN
fsr-3296	33	31	of	of	ADP
fsr-3296	33	32	volition	volition	NOUN
fsr-3296	33	33	that	that	PRON
fsr-3296	33	34	transforms	transform	VERB
fsr-3296	33	35	the	the	DET
fsr-3296	33	36	psychological	psychological	ADJ
fsr-3296	33	37	state	state	NOUN
fsr-3296	33	38	into	into	ADP
fsr-3296	33	39	guided	guide	VERB
fsr-3296	33	40	bodily	bodily	ADJ
fsr-3296	33	41	responses	response	NOUN
fsr-3296	33	42	(	(	PUNCT
fsr-3296	33	43	bagozzi	bagozzi	ADJ
fsr-3296	33	44	,	,	PUNCT
fsr-3296	33	45	baumgartner	baumgartner	PROPN
fsr-3296	33	46	,	,	PUNCT
fsr-3296	33	47	&	&	CCONJ
fsr-3296	33	48	yi	yi	PROPN
fsr-3296	33	49	,	,	PUNCT
fsr-3296	33	50	1989	1989	NUM
fsr-3296	33	51	;	;	PUNCT
fsr-3296	33	52	fishbein	fishbein	PROPN
fsr-3296	33	53	&	&	CCONJ
fsr-3296	33	54	ajzen	ajzen	PROPN
fsr-3296	33	55	,	,	PUNCT
fsr-3296	33	56	1975	1975	NUM
fsr-3296	33	57	,	,	PUNCT
fsr-3296	33	58	1980	1980	NUM
fsr-3296	33	59	)	)	PUNCT
fsr-3296	33	60	.	.	PUNCT
fsr-3296	34	1	therefore	therefore	ADV
fsr-3296	34	2	,	,	PUNCT
fsr-3296	34	3	the	the	DET
fsr-3296	34	4	more	more	ADV
fsr-3296	34	5	favorable	favorable	ADJ
fsr-3296	34	6	the	the	DET
fsr-3296	34	7	attitudes	attitude	NOUN
fsr-3296	34	8	,	,	PUNCT
fsr-3296	34	9	the	the	PRON
fsr-3296	34	10	higher	high	ADJ
fsr-3296	34	11	the	the	DET
fsr-3296	34	12	intentions	intention	NOUN
fsr-3296	34	13	for	for	ADP
fsr-3296	34	14	the	the	DET
fsr-3296	34	15	behavior	behavior	NOUN
fsr-3296	34	16	.	.	PUNCT
fsr-3296	35	1	however	however	ADV
fsr-3296	35	2	,	,	PUNCT
fsr-3296	35	3	extant	extant	ADJ
fsr-3296	35	4	research	research	NOUN
fsr-3296	35	5	provides	provide	VERB
fsr-3296	35	6	evidence	evidence	NOUN
fsr-3296	35	7	for	for	ADP
fsr-3296	35	8	inconsistency	inconsistency	NOUN
fsr-3296	35	9	between	between	ADP
fsr-3296	35	10	attitude	attitude	NOUN
fsr-3296	35	11	and	and	CCONJ
fsr-3296	35	12	intention	intention	NOUN
fsr-3296	35	13	(	(	PUNCT
fsr-3296	35	14	see	see	VERB
fsr-3296	35	15	jonas	jonas	PROPN
fsr-3296	35	16	,	,	PUNCT
fsr-3296	35	17	diehl	diehl	PROPN
fsr-3296	35	18	,	,	PUNCT
fsr-3296	35	19	&	&	CCONJ
fsr-3296	35	20	bromer	bromer	NOUN
fsr-3296	35	21	,	,	PUNCT
fsr-3296	35	22	1997	1997	NUM
fsr-3296	35	23	)	)	PUNCT
fsr-3296	35	24	.	.	PUNCT
fsr-3296	36	1	after	after	ADV
fsr-3296	36	2	all	all	ADV
fsr-3296	36	3	,	,	PUNCT
fsr-3296	36	4	we	we	PRON
fsr-3296	36	5	may	may	AUX
fsr-3296	36	6	have	have	VERB
fsr-3296	36	7	a	a	DET
fsr-3296	36	8	positive	positive	ADJ
fsr-3296	36	9	attitude	attitude	NOUN
fsr-3296	36	10	toward	toward	ADP
fsr-3296	36	11	performing	perform	VERB
fsr-3296	36	12	some	some	DET
fsr-3296	36	13	act	act	NOUN
fsr-3296	36	14	but	but	CCONJ
fsr-3296	36	15	fail	fail	VERB
fsr-3296	36	16	to	to	PART
fsr-3296	36	17	form	form	VERB
fsr-3296	36	18	an	an	DET
fsr-3296	36	19	intention	intention	NOUN
fsr-3296	36	20	or	or	CCONJ
fsr-3296	36	21	56	56	NUM
fsr-3296	36	22	a.	a.	NOUN
fsr-3296	36	23	yazdanparast	yazdanparast	NOUN
fsr-3296	36	24	,	,	PUNCT
fsr-3296	36	25	y.	y.	PROPN
fsr-3296	36	26	alhenawi	alhenawi	PROPN
fsr-3296	36	27	/	/	SYM
fsr-3296	36	28	financial	financial	ADJ
fsr-3296	36	29	services	service	NOUN
fsr-3296	36	30	review	review	VERB
fsr-3296	36	31	26	26	NUM
fsr-3296	36	32	(	(	PUNCT
fsr-3296	36	33	2017	2017	NUM
fsr-3296	36	34	)	)	PUNCT
fsr-3296	36	35	55–85	55–85	NUM
fsr-3296	36	36	intend	intend	VERB
fsr-3296	36	37	to	to	PART
fsr-3296	36	38	refrain	refrain	VERB
fsr-3296	36	39	from	from	ADP
fsr-3296	36	40	doing	do	VERB
fsr-3296	36	41	the	the	DET
fsr-3296	36	42	action	action	NOUN
fsr-3296	36	43	because	because	SCONJ
fsr-3296	36	44	of	of	ADP
fsr-3296	36	45	some	some	DET
fsr-3296	36	46	non	non	ADJ
fsr-3296	36	47	-	-	ADJ
fsr-3296	36	48	attitudinal	attitudinal	ADJ
fsr-3296	36	49	reason	reason	NOUN
fsr-3296	36	50	(	(	PUNCT
fsr-3296	36	51	bagozzi	bagozzi	NOUN
fsr-3296	36	52	et	et	PROPN
fsr-3296	36	53	al	al	PROPN
fsr-3296	36	54	.	.	PROPN
fsr-3296	36	55	,	,	PUNCT
fsr-3296	36	56	1989	1989	NUM
fsr-3296	36	57	)	)	PUNCT
fsr-3296	36	58	.	.	PUNCT
fsr-3296	37	1	the	the	DET
fsr-3296	37	2	extant	extant	ADJ
fsr-3296	37	3	literature	literature	NOUN
fsr-3296	37	4	on	on	ADP
fsr-3296	37	5	household	household	NOUN
fsr-3296	37	6	finance	finance	NOUN
fsr-3296	37	7	does	do	AUX
fsr-3296	37	8	not	not	PART
fsr-3296	37	9	make	make	VERB
fsr-3296	37	10	a	a	DET
fsr-3296	37	11	clear	clear	ADJ
fsr-3296	37	12	a	a	DET
fsr-3296	37	13	distinction	distinction	NOUN
fsr-3296	37	14	between	between	ADP
fsr-3296	37	15	the	the	DET
fsr-3296	37	16	attitude	attitude	NOUN
fsr-3296	37	17	towards	towards	ADP
fsr-3296	37	18	borrowing	borrowing	NOUN
fsr-3296	37	19	and	and	CCONJ
fsr-3296	37	20	the	the	DET
fsr-3296	37	21	intention	intention	NOUN
fsr-3296	37	22	to	to	PART
fsr-3296	37	23	borrow	borrow	VERB
fsr-3296	37	24	and	and	CCONJ
fsr-3296	37	25	possible	possible	ADJ
fsr-3296	37	26	inconsistencies	inconsistency	NOUN
fsr-3296	37	27	between	between	ADP
fsr-3296	37	28	them	they	PRON
fsr-3296	37	29	as	as	ADP
fsr-3296	37	30	related	relate	VERB
fsr-3296	37	31	to	to	ADP
fsr-3296	37	32	decision	decision	NOUN
fsr-3296	37	33	making	making	NOUN
fsr-3296	37	34	.	.	PUNCT
fsr-3296	38	1	we	we	PRON
fsr-3296	38	2	argue	argue	VERB
fsr-3296	38	3	that	that	SCONJ
fsr-3296	38	4	individuals	individual	NOUN
fsr-3296	38	5	’	’	PART
fsr-3296	38	6	attitudes	attitude	NOUN
fsr-3296	38	7	may	may	AUX
fsr-3296	38	8	not	not	PART
fsr-3296	38	9	be	be	AUX
fsr-3296	38	10	congruent	congruent	ADJ
fsr-3296	38	11	with	with	ADP
fsr-3296	38	12	the	the	DET
fsr-3296	38	13	actual	actual	ADJ
fsr-3296	38	14	intentions	intention	NOUN
fsr-3296	38	15	to	to	PART
fsr-3296	38	16	take	take	VERB
fsr-3296	38	17	certain	certain	ADJ
fsr-3296	38	18	borrowing	borrowing	NOUN
fsr-3296	38	19	actions	action	NOUN
fsr-3296	38	20	.	.	PUNCT
fsr-3296	39	1	specifically	specifically	ADV
fsr-3296	39	2	,	,	PUNCT
fsr-3296	39	3	we	we	PRON
fsr-3296	39	4	theorize	theorize	VERB
fsr-3296	39	5	that	that	SCONJ
fsr-3296	39	6	the	the	DET
fsr-3296	39	7	relationship	relationship	NOUN
fsr-3296	39	8	between	between	ADP
fsr-3296	39	9	the	the	DET
fsr-3296	39	10	attitude	attitude	NOUN
fsr-3296	39	11	toward	toward	ADP
fsr-3296	39	12	borrowing	borrowing	NOUN
fsr-3296	39	13	and	and	CCONJ
fsr-3296	39	14	the	the	DET
fsr-3296	39	15	intention	intention	NOUN
fsr-3296	39	16	to	to	PART
fsr-3296	39	17	borrow	borrow	VERB
fsr-3296	39	18	,	,	PUNCT
fsr-3296	39	19	and	and	CCONJ
fsr-3296	39	20	the	the	DET
fsr-3296	39	21	mechanism	mechanism	NOUN
fsr-3296	39	22	thereof	thereof	ADV
fsr-3296	39	23	,	,	PUNCT
fsr-3296	39	24	is	be	AUX
fsr-3296	39	25	influenced	influence	VERB
fsr-3296	39	26	by	by	ADP
fsr-3296	39	27	personality	personality	NOUN
fsr-3296	39	28	characteristics	characteristic	NOUN
fsr-3296	39	29	of	of	ADP
fsr-3296	39	30	the	the	DET
fsr-3296	39	31	decision	decision	NOUN
fsr-3296	39	32	maker	maker	NOUN
fsr-3296	39	33	.	.	PUNCT
fsr-3296	40	1	the	the	DET
fsr-3296	40	2	relationship	relationship	NOUN
fsr-3296	40	3	between	between	ADP
fsr-3296	40	4	household	household	NOUN
fsr-3296	40	5	finances	finance	NOUN
fsr-3296	40	6	and	and	CCONJ
fsr-3296	40	7	personality	personality	NOUN
fsr-3296	40	8	traits	trait	NOUN
fsr-3296	40	9	is	be	AUX
fsr-3296	40	10	in	in	ADP
fsr-3296	40	11	fact	fact	NOUN
fsr-3296	40	12	an	an	DET
fsr-3296	40	13	understudied	understudied	ADJ
fsr-3296	40	14	area	area	NOUN
fsr-3296	40	15	despite	despite	SCONJ
fsr-3296	40	16	the	the	DET
fsr-3296	40	17	fact	fact	NOUN
fsr-3296	40	18	that	that	SCONJ
fsr-3296	40	19	personality	personality	NOUN
fsr-3296	40	20	traits	trait	NOUN
fsr-3296	40	21	can	can	AUX
fsr-3296	40	22	influence	influence	VERB
fsr-3296	40	23	financial	financial	ADJ
fsr-3296	40	24	decision	decision	NOUN
fsr-3296	40	25	-	-	PUNCT
fsr-3296	40	26	making	making	NOUN
fsr-3296	40	27	at	at	ADP
fsr-3296	40	28	the	the	DET
fsr-3296	40	29	individual	individual	ADJ
fsr-3296	40	30	and	and	CCONJ
fsr-3296	40	31	household	household	NOUN
fsr-3296	40	32	level	level	NOUN
fsr-3296	40	33	(	(	PUNCT
fsr-3296	40	34	brown	brown	PROPN
fsr-3296	40	35	&	&	CCONJ
fsr-3296	40	36	taylor	taylor	PROPN
fsr-3296	40	37	,	,	PUNCT
fsr-3296	40	38	2011	2011	NUM
fsr-3296	40	39	)	)	PUNCT
fsr-3296	40	40	.	.	PUNCT
fsr-3296	41	1	previous	previous	ADJ
fsr-3296	41	2	research	research	NOUN
fsr-3296	41	3	has	have	AUX
fsr-3296	41	4	mainly	mainly	ADV
fsr-3296	41	5	used	use	VERB
fsr-3296	41	6	the	the	DET
fsr-3296	41	7	well	well	ADV
fsr-3296	41	8	-	-	PUNCT
fsr-3296	41	9	known	know	VERB
fsr-3296	41	10	big	big	ADJ
fsr-3296	41	11	five	five	NUM
fsr-3296	41	12	model	model	NOUN
fsr-3296	41	13	of	of	ADP
fsr-3296	41	14	personality	personality	NOUN
fsr-3296	41	15	(	(	PUNCT
fsr-3296	41	16	mccrae	mccrae	PROPN
fsr-3296	41	17	&	&	CCONJ
fsr-3296	41	18	costa	costa	PROPN
fsr-3296	41	19	,	,	PUNCT
fsr-3296	41	20	1987	1987	NUM
fsr-3296	41	21	)	)	PUNCT
fsr-3296	41	22	and	and	CCONJ
fsr-3296	41	23	examined	examine	VERB
fsr-3296	41	24	the	the	DET
fsr-3296	41	25	influence	influence	NOUN
fsr-3296	41	26	of	of	ADP
fsr-3296	41	27	one	one	NUM
fsr-3296	41	28	,	,	PUNCT
fsr-3296	41	29	or	or	CCONJ
fsr-3296	41	30	a	a	DET
fsr-3296	41	31	combination	combination	NOUN
fsr-3296	41	32	,	,	PUNCT
fsr-3296	41	33	of	of	ADP
fsr-3296	41	34	the	the	DET
fsr-3296	41	35	five	five	NUM
fsr-3296	41	36	personality	personality	NOUN
fsr-3296	41	37	traits	trait	NOUN
fsr-3296	41	38	(	(	PUNCT
fsr-3296	41	39	i.e.	i.e.	X
fsr-3296	41	40	,	,	PUNCT
fsr-3296	41	41	openness	openness	NOUN
fsr-3296	41	42	to	to	PART
fsr-3296	41	43	experience	experience	VERB
fsr-3296	41	44	,	,	PUNCT
fsr-3296	41	45	conscientiousness	conscientiousness	NOUN
fsr-3296	41	46	,	,	PUNCT
fsr-3296	41	47	extroversion	extroversion	NOUN
fsr-3296	41	48	,	,	PUNCT
fsr-3296	41	49	agreeableness	agreeableness	NOUN
fsr-3296	41	50	,	,	PUNCT
fsr-3296	41	51	and	and	CCONJ
fsr-3296	41	52	neuroticism	neuroticism	NOUN
fsr-3296	41	53	)	)	PUNCT
fsr-3296	41	54	on	on	ADP
fsr-3296	41	55	financial	financial	ADJ
fsr-3296	41	56	decisions	decision	NOUN
fsr-3296	41	57	.	.	PUNCT
fsr-3296	42	1	we	we	PRON
fsr-3296	42	2	extend	extend	VERB
fsr-3296	42	3	the	the	DET
fsr-3296	42	4	extant	extant	ADJ
fsr-3296	42	5	research	research	NOUN
fsr-3296	42	6	by	by	ADP
fsr-3296	42	7	examining	examine	VERB
fsr-3296	42	8	the	the	DET
fsr-3296	42	9	role	role	NOUN
fsr-3296	42	10	of	of	ADP
fsr-3296	42	11	two	two	NUM
fsr-3296	42	12	additional	additional	ADJ
fsr-3296	42	13	personality	personality	NOUN
fsr-3296	42	14	traits	trait	NOUN
fsr-3296	42	15	,	,	PUNCT
fsr-3296	42	16	the	the	DET
fsr-3296	42	17	need	need	NOUN
fsr-3296	42	18	for	for	ADP
fsr-3296	42	19	material	material	ADJ
fsr-3296	42	20	resources	resource	NOUN
fsr-3296	42	21	and	and	CCONJ
fsr-3296	42	22	the	the	DET
fsr-3296	42	23	need	need	NOUN
fsr-3296	42	24	for	for	ADP
fsr-3296	42	25	arousal	arousal	NOUN
fsr-3296	42	26	,	,	PUNCT
fsr-3296	42	27	that	that	PRON
fsr-3296	42	28	have	have	AUX
fsr-3296	42	29	been	be	AUX
fsr-3296	42	30	largely	largely	ADV
fsr-3296	42	31	ignored	ignore	VERB
fsr-3296	42	32	by	by	ADP
fsr-3296	42	33	extant	extant	ADJ
fsr-3296	42	34	literature	literature	NOUN
fsr-3296	42	35	on	on	ADP
fsr-3296	42	36	household	household	NOUN
fsr-3296	42	37	finance	finance	NOUN
fsr-3296	42	38	.	.	PUNCT
fsr-3296	43	1	recent	recent	ADJ
fsr-3296	43	2	research	research	NOUN
fsr-3296	43	3	indicates	indicate	VERB
fsr-3296	43	4	that	that	SCONJ
fsr-3296	43	5	individuals	individual	NOUN
fsr-3296	43	6	with	with	ADP
fsr-3296	43	7	greater	great	ADJ
fsr-3296	43	8	need	need	NOUN
fsr-3296	43	9	for	for	ADP
fsr-3296	43	10	material	material	ADJ
fsr-3296	43	11	resources	resource	NOUN
fsr-3296	43	12	are	be	AUX
fsr-3296	43	13	relatively	relatively	ADV
fsr-3296	43	14	more	more	ADV
fsr-3296	43	15	concerned	concerned	ADJ
fsr-3296	43	16	with	with	ADP
fsr-3296	43	17	their	their	PRON
fsr-3296	43	18	social	social	ADJ
fsr-3296	43	19	image	image	NOUN
fsr-3296	43	20	(	(	PUNCT
fsr-3296	43	21	christopher	christopher	PROPN
fsr-3296	43	22	,	,	PUNCT
fsr-3296	43	23	marek	marek	PROPN
fsr-3296	43	24	,	,	PUNCT
fsr-3296	43	25	&	&	CCONJ
fsr-3296	43	26	carroll	carroll	PROPN
fsr-3296	43	27	,	,	PUNCT
fsr-3296	43	28	2004	2004	NUM
fsr-3296	43	29	)	)	PUNCT
fsr-3296	43	30	and	and	CCONJ
fsr-3296	43	31	view	view	VERB
fsr-3296	43	32	possessions	possession	NOUN
fsr-3296	43	33	as	as	ADP
fsr-3296	43	34	means	mean	NOUN
fsr-3296	43	35	of	of	ADP
fsr-3296	43	36	achieving	achieve	VERB
fsr-3296	43	37	utilitarian	utilitarian	ADJ
fsr-3296	43	38	and	and	CCONJ
fsr-3296	43	39	social	social	ADJ
fsr-3296	43	40	status	status	NOUN
fsr-3296	43	41	(	(	PUNCT
fsr-3296	43	42	richins	richin	NOUN
fsr-3296	43	43	&	&	CCONJ
fsr-3296	43	44	dawson	dawson	PROPN
fsr-3296	43	45	,	,	PUNCT
fsr-3296	43	46	1992	1992	NUM
fsr-3296	43	47	)	)	PUNCT
fsr-3296	43	48	.	.	PUNCT
fsr-3296	44	1	also	also	ADV
fsr-3296	44	2	,	,	PUNCT
fsr-3296	44	3	individuals	individual	NOUN
fsr-3296	44	4	who	who	PRON
fsr-3296	44	5	score	score	VERB
fsr-3296	44	6	higher	higher	ADV
fsr-3296	44	7	on	on	ADP
fsr-3296	44	8	the	the	DET
fsr-3296	44	9	need	need	NOUN
fsr-3296	44	10	for	for	ADP
fsr-3296	44	11	arousal	arousal	ADJ
fsr-3296	44	12	trait	trait	NOUN
fsr-3296	44	13	have	have	AUX
fsr-3296	44	14	been	be	AUX
fsr-3296	44	15	shown	show	VERB
fsr-3296	44	16	to	to	PART
fsr-3296	44	17	have	have	VERB
fsr-3296	44	18	a	a	DET
fsr-3296	44	19	chronic	chronic	ADJ
fsr-3296	44	20	need	need	NOUN
fsr-3296	44	21	for	for	ADP
fsr-3296	44	22	impulse	impulse	ADJ
fsr-3296	44	23	purchases	purchase	NOUN
fsr-3296	44	24	(	(	PUNCT
fsr-3296	44	25	d’astous	d’astous	PROPN
fsr-3296	44	26	,	,	PUNCT
fsr-3296	44	27	maltais	maltais	PROPN
fsr-3296	44	28	,	,	PUNCT
fsr-3296	44	29	&	&	CCONJ
fsr-3296	44	30	roberge	roberge	NOUN
fsr-3296	44	31	,	,	PUNCT
fsr-3296	44	32	1990	1990	NUM
fsr-3296	44	33	;	;	PUNCT
fsr-3296	44	34	rook	rook	NOUN
fsr-3296	44	35	,	,	PUNCT
fsr-3296	44	36	1987	1987	NUM
fsr-3296	44	37	)	)	PUNCT
fsr-3296	44	38	.	.	PUNCT
fsr-3296	45	1	therefore	therefore	ADV
fsr-3296	45	2	,	,	PUNCT
fsr-3296	45	3	we	we	PRON
fsr-3296	45	4	theorize	theorize	VERB
fsr-3296	45	5	that	that	SCONJ
fsr-3296	45	6	these	these	DET
fsr-3296	45	7	two	two	NUM
fsr-3296	45	8	traits	trait	NOUN
fsr-3296	45	9	are	be	AUX
fsr-3296	45	10	related	relate	VERB
fsr-3296	45	11	to	to	ADP
fsr-3296	45	12	individuals	individual	NOUN
fsr-3296	45	13	’	'	PUNCT
fsr-3296	45	14	financial	financial	ADJ
fsr-3296	45	15	preferences	preference	NOUN
fsr-3296	45	16	and	and	CCONJ
fsr-3296	45	17	,	,	PUNCT
fsr-3296	45	18	consequently	consequently	ADV
fsr-3296	45	19	,	,	PUNCT
fsr-3296	45	20	borrowing	borrow	VERB
fsr-3296	45	21	choices.1	choices.1	NOUN
fsr-3296	45	22	finally	finally	ADV
fsr-3296	45	23	,	,	PUNCT
fsr-3296	45	24	extant	extant	ADJ
fsr-3296	45	25	literature	literature	NOUN
fsr-3296	45	26	often	often	ADV
fsr-3296	45	27	defines	define	VERB
fsr-3296	45	28	borrowing	borrow	VERB
fsr-3296	45	29	either	either	CCONJ
fsr-3296	45	30	too	too	ADV
fsr-3296	45	31	broadly	broadly	ADV
fsr-3296	45	32	or	or	CCONJ
fsr-3296	45	33	too	too	ADV
fsr-3296	45	34	narrowly	narrowly	ADV
fsr-3296	45	35	.	.	PUNCT
fsr-3296	46	1	the	the	DET
fsr-3296	46	2	former	former	ADJ
fsr-3296	46	3	approach	approach	NOUN
fsr-3296	46	4	overlooks	overlook	VERB
fsr-3296	46	5	the	the	DET
fsr-3296	46	6	possibility	possibility	NOUN
fsr-3296	46	7	that	that	SCONJ
fsr-3296	46	8	borrowing	borrowing	NOUN
fsr-3296	46	9	options	option	NOUN
fsr-3296	46	10	are	be	AUX
fsr-3296	46	11	not	not	PART
fsr-3296	46	12	homogenous	homogenous	ADJ
fsr-3296	46	13	(	(	PUNCT
fsr-3296	46	14	as	as	ADP
fsr-3296	46	15	in	in	ADP
fsr-3296	46	16	brandstatter	brandstatter	NOUN
fsr-3296	46	17	,	,	PUNCT
fsr-3296	46	18	1996	1996	NUM
fsr-3296	46	19	;	;	PUNCT
fsr-3296	46	20	davey	davey	NOUN
fsr-3296	46	21	&	&	CCONJ
fsr-3296	46	22	george	george	PROPN
fsr-3296	46	23	,	,	PUNCT
fsr-3296	46	24	2011	2011	NUM
fsr-3296	46	25	;	;	PUNCT
fsr-3296	46	26	and	and	CCONJ
fsr-3296	46	27	nyhus	nyhus	PROPN
fsr-3296	46	28	&	&	CCONJ
fsr-3296	46	29	webley	webley	PROPN
fsr-3296	46	30	,	,	PUNCT
fsr-3296	46	31	2001	2001	NUM
fsr-3296	46	32	)	)	PUNCT
fsr-3296	46	33	.	.	PUNCT
fsr-3296	47	1	the	the	DET
fsr-3296	47	2	latter	latter	ADJ
fsr-3296	47	3	approach	approach	NOUN
fsr-3296	47	4	focuses	focus	VERB
fsr-3296	47	5	on	on	ADP
fsr-3296	47	6	a	a	DET
fsr-3296	47	7	single	single	ADJ
fsr-3296	47	8	borrowing	borrowing	NOUN
fsr-3296	47	9	option	option	NOUN
fsr-3296	47	10	(	(	PUNCT
fsr-3296	47	11	e.g.	e.g.	ADV
fsr-3296	47	12	,	,	PUNCT
fsr-3296	47	13	credit	credit	NOUN
fsr-3296	47	14	card	card	NOUN
fsr-3296	47	15	usage	usage	NOUN
fsr-3296	47	16	as	as	ADP
fsr-3296	47	17	in	in	ADP
fsr-3296	47	18	norvilitis	norvilitis	PROPN
fsr-3296	47	19	et	et	PROPN
fsr-3296	47	20	al	al	PROPN
fsr-3296	47	21	.	.	PROPN
fsr-3296	47	22	,	,	PUNCT
fsr-3296	47	23	2006	2006	NUM
fsr-3296	47	24	and	and	CCONJ
fsr-3296	47	25	lee	lee	PROPN
fsr-3296	47	26	&	&	CCONJ
fsr-3296	47	27	kwon	kwon	PROPN
fsr-3296	47	28	,	,	PUNCT
fsr-3296	47	29	2002	2002	NUM
fsr-3296	47	30	)	)	PUNCT
fsr-3296	48	1	and	and	CCONJ
fsr-3296	48	2	,	,	PUNCT
fsr-3296	48	3	therefore	therefore	ADV
fsr-3296	48	4	,	,	PUNCT
fsr-3296	48	5	does	do	AUX
fsr-3296	48	6	not	not	PART
fsr-3296	48	7	offer	offer	VERB
fsr-3296	48	8	a	a	DET
fsr-3296	48	9	side	side	NOUN
fsr-3296	48	10	-	-	PUNCT
fsr-3296	48	11	by	by	ADP
fsr-3296	48	12	-	-	PUNCT
fsr-3296	48	13	side	side	NOUN
fsr-3296	48	14	comparison	comparison	NOUN
fsr-3296	48	15	of	of	ADP
fsr-3296	48	16	different	different	ADJ
fsr-3296	48	17	categories	category	NOUN
fsr-3296	48	18	of	of	ADP
fsr-3296	48	19	borrowing	borrowing	NOUN
fsr-3296	48	20	in	in	ADP
fsr-3296	48	21	a	a	DET
fsr-3296	48	22	unified	unified	ADJ
fsr-3296	48	23	framework	framework	NOUN
fsr-3296	48	24	.	.	PUNCT
fsr-3296	49	1	unlike	unlike	ADP
fsr-3296	49	2	extant	extant	ADJ
fsr-3296	49	3	literature	literature	NOUN
fsr-3296	49	4	,	,	PUNCT
fsr-3296	49	5	we	we	PRON
fsr-3296	49	6	consider	consider	VERB
fsr-3296	49	7	a	a	DET
fsr-3296	49	8	wide	wide	ADJ
fsr-3296	49	9	spectrum	spectrum	NOUN
fsr-3296	49	10	of	of	ADP
fsr-3296	49	11	borrowing	borrowing	NOUN
fsr-3296	49	12	options	option	NOUN
fsr-3296	49	13	that	that	PRON
fsr-3296	49	14	differ	differ	VERB
fsr-3296	49	15	in	in	ADP
fsr-3296	49	16	purpose	purpose	NOUN
fsr-3296	49	17	and	and	CCONJ
fsr-3296	49	18	weigh	weigh	VERB
fsr-3296	49	19	differently	differently	ADV
fsr-3296	49	20	on	on	ADP
fsr-3296	49	21	the	the	DET
fsr-3296	49	22	risk	risk	NOUN
fsr-3296	49	23	and	and	CCONJ
fsr-3296	49	24	maturity	maturity	NOUN
fsr-3296	49	25	scales	scale	NOUN
fsr-3296	49	26	.	.	PUNCT
fsr-3296	50	1	this	this	DET
fsr-3296	50	2	research	research	NOUN
fsr-3296	50	3	uses	use	VERB
fsr-3296	50	4	a	a	DET
fsr-3296	50	5	representative	representative	ADJ
fsr-3296	50	6	sample	sample	NOUN
fsr-3296	50	7	of	of	ADP
fsr-3296	50	8	primary	primary	ADJ
fsr-3296	50	9	decision	decision	NOUN
fsr-3296	50	10	makers	maker	NOUN
fsr-3296	50	11	in	in	ADP
fsr-3296	50	12	u.s	u.s	PROPN
fsr-3296	50	13	.	.	PROPN
fsr-3296	50	14	households	household	NOUN
fsr-3296	50	15	(	(	PUNCT
fsr-3296	50	16	the	the	DET
fsr-3296	50	17	final	final	ADJ
fsr-3296	50	18	sample	sample	NOUN
fsr-3296	50	19	includes	include	VERB
fsr-3296	50	20	849	849	NUM
fsr-3296	50	21	responses	response	NOUN
fsr-3296	50	22	corresponding	correspond	VERB
fsr-3296	50	23	to	to	ADP
fsr-3296	50	24	85	85	NUM
fsr-3296	50	25	%	%	NOUN
fsr-3296	50	26	response	response	NOUN
fsr-3296	50	27	rate	rate	NOUN
fsr-3296	50	28	)	)	PUNCT
fsr-3296	50	29	and	and	CCONJ
fsr-3296	50	30	measures	measure	VERB
fsr-3296	50	31	respondents	respondent	NOUN
fsr-3296	50	32	’	'	PUNCT
fsr-3296	50	33	attitudes	attitude	NOUN
fsr-3296	50	34	toward	toward	ADP
fsr-3296	50	35	financial	financial	ADJ
fsr-3296	50	36	issues	issue	NOUN
fsr-3296	50	37	as	as	ADV
fsr-3296	50	38	well	well	ADV
fsr-3296	50	39	as	as	ADP
fsr-3296	50	40	their	their	PRON
fsr-3296	50	41	intentions	intention	NOUN
fsr-3296	50	42	to	to	PART
fsr-3296	50	43	apply	apply	VERB
fsr-3296	50	44	for	for	ADP
fsr-3296	50	45	eight	eight	NUM
fsr-3296	50	46	different	different	ADJ
fsr-3296	50	47	categories	category	NOUN
fsr-3296	50	48	of	of	ADP
fsr-3296	50	49	loans	loan	NOUN
fsr-3296	50	50	including	include	VERB
fsr-3296	50	51	credit	credit	NOUN
fsr-3296	50	52	cards	card	NOUN
fsr-3296	50	53	,	,	PUNCT
fsr-3296	50	54	mortgage	mortgage	NOUN
fsr-3296	50	55	,	,	PUNCT
fsr-3296	50	56	home	home	NOUN
fsr-3296	50	57	improvement	improvement	NOUN
fsr-3296	50	58	,	,	PUNCT
fsr-3296	50	59	business	business	NOUN
fsr-3296	50	60	loans	loan	NOUN
fsr-3296	50	61	,	,	PUNCT
fsr-3296	50	62	car	car	NOUN
fsr-3296	50	63	loans	loan	NOUN
fsr-3296	50	64	,	,	PUNCT
fsr-3296	50	65	student	student	NOUN
fsr-3296	50	66	loans	loan	NOUN
fsr-3296	50	67	,	,	PUNCT
fsr-3296	50	68	personal	personal	ADJ
fsr-3296	50	69	loans	loan	NOUN
fsr-3296	50	70	,	,	PUNCT
fsr-3296	50	71	and	and	CCONJ
fsr-3296	50	72	payday	payday	NOUN
fsr-3296	50	73	loans	loan	NOUN
fsr-3296	50	74	.	.	PUNCT
fsr-3296	51	1	respondents	respondent	NOUN
fsr-3296	51	2	’	'	PUNCT
fsr-3296	51	3	financial	financial	ADJ
fsr-3296	51	4	knowledge	knowledge	NOUN
fsr-3296	51	5	,	,	PUNCT
fsr-3296	51	6	risk	risk	NOUN
fsr-3296	51	7	tolerance	tolerance	NOUN
fsr-3296	51	8	,	,	PUNCT
fsr-3296	51	9	and	and	CCONJ
fsr-3296	51	10	personality	personality	NOUN
fsr-3296	51	11	characteristics	characteristic	NOUN
fsr-3296	51	12	are	be	AUX
fsr-3296	51	13	also	also	ADV
fsr-3296	51	14	measured.2	measured.2	VERB
fsr-3296	51	15	our	our	PRON
fsr-3296	51	16	findings	finding	NOUN
fsr-3296	51	17	suggest	suggest	VERB
fsr-3296	51	18	that	that	SCONJ
fsr-3296	51	19	the	the	DET
fsr-3296	51	20	attitude	attitude	NOUN
fsr-3296	51	21	towards	towards	ADP
fsr-3296	51	22	borrowing	borrowing	NOUN
fsr-3296	51	23	and	and	CCONJ
fsr-3296	51	24	the	the	DET
fsr-3296	51	25	intention	intention	NOUN
fsr-3296	51	26	to	to	PART
fsr-3296	51	27	borrow	borrow	VERB
fsr-3296	51	28	do	do	AUX
fsr-3296	51	29	not	not	PART
fsr-3296	51	30	necessarily	necessarily	ADV
fsr-3296	51	31	accord	accord	VERB
fsr-3296	51	32	,	,	PUNCT
fsr-3296	51	33	highlighting	highlight	VERB
fsr-3296	51	34	the	the	DET
fsr-3296	51	35	role	role	NOUN
fsr-3296	51	36	of	of	ADP
fsr-3296	51	37	personality	personality	NOUN
fsr-3296	51	38	characteristics	characteristic	NOUN
fsr-3296	51	39	in	in	ADP
fsr-3296	51	40	such	such	ADJ
fsr-3296	51	41	behaviors	behavior	NOUN
fsr-3296	51	42	.	.	PUNCT
fsr-3296	52	1	we	we	PRON
fsr-3296	52	2	also	also	ADV
fsr-3296	52	3	report	report	VERB
fsr-3296	52	4	strong	strong	ADJ
fsr-3296	52	5	evidence	evidence	NOUN
fsr-3296	52	6	that	that	SCONJ
fsr-3296	52	7	different	different	ADJ
fsr-3296	52	8	borrowing	borrowing	NOUN
fsr-3296	52	9	options	option	NOUN
fsr-3296	52	10	are	be	AUX
fsr-3296	52	11	motivated	motivate	VERB
fsr-3296	52	12	differently	differently	ADV
fsr-3296	52	13	.	.	PUNCT
fsr-3296	53	1	individuals	individual	NOUN
fsr-3296	53	2	with	with	ADP
fsr-3296	53	3	different	different	ADJ
fsr-3296	53	4	personalities	personality	NOUN
fsr-3296	53	5	demonstrate	demonstrate	VERB
fsr-3296	53	6	borrowing	borrowing	NOUN
fsr-3296	53	7	patterns	pattern	NOUN
fsr-3296	53	8	that	that	PRON
fsr-3296	53	9	reflect	reflect	VERB
fsr-3296	53	10	their	their	PRON
fsr-3296	53	11	psychological	psychological	ADJ
fsr-3296	53	12	needs	need	NOUN
fsr-3296	53	13	.	.	PUNCT
fsr-3296	54	1	individuals	individual	NOUN
fsr-3296	54	2	with	with	ADP
fsr-3296	54	3	greater	great	ADJ
fsr-3296	54	4	need	need	NOUN
fsr-3296	54	5	for	for	ADP
fsr-3296	54	6	material	material	ADJ
fsr-3296	54	7	resources	resource	NOUN
fsr-3296	54	8	have	have	VERB
fsr-3296	54	9	stronger	strong	ADJ
fsr-3296	54	10	intention	intention	NOUN
fsr-3296	54	11	to	to	PART
fsr-3296	54	12	borrow	borrow	VERB
fsr-3296	54	13	in	in	ADP
fsr-3296	54	14	certain	certain	ADJ
fsr-3296	54	15	categories	category	NOUN
fsr-3296	54	16	that	that	PRON
fsr-3296	54	17	lead	lead	VERB
fsr-3296	54	18	to	to	ADP
fsr-3296	54	19	possessing	possess	VERB
fsr-3296	54	20	materials	material	NOUN
fsr-3296	54	21	.	.	PUNCT
fsr-3296	55	1	similarly	similarly	ADV
fsr-3296	55	2	,	,	PUNCT
fsr-3296	55	3	individuals	individual	NOUN
fsr-3296	55	4	with	with	ADP
fsr-3296	55	5	greater	great	ADJ
fsr-3296	55	6	need	need	NOUN
fsr-3296	55	7	for	for	ADP
fsr-3296	55	8	arousal	arousal	NOUN
fsr-3296	55	9	have	have	VERB
fsr-3296	55	10	a	a	DET
fsr-3296	55	11	higher	high	ADJ
fsr-3296	55	12	tendency	tendency	NOUN
fsr-3296	55	13	to	to	PART
fsr-3296	55	14	use	use	VERB
fsr-3296	55	15	borrowing	borrowing	NOUN
fsr-3296	55	16	options	option	NOUN
fsr-3296	55	17	57a	57a	NOUN
fsr-3296	55	18	.	.	PUNCT
fsr-3296	56	1	yazdanparast	yazdanparast	NOUN
fsr-3296	56	2	,	,	PUNCT
fsr-3296	56	3	y.	y.	PROPN
fsr-3296	56	4	alhenawi	alhenawi	PROPN
fsr-3296	56	5	/	/	SYM
fsr-3296	56	6	financial	financial	ADJ
fsr-3296	56	7	services	service	NOUN
fsr-3296	56	8	review	review	VERB
fsr-3296	56	9	26	26	NUM
fsr-3296	56	10	(	(	PUNCT
fsr-3296	56	11	2017	2017	NUM
fsr-3296	56	12	)	)	PUNCT
fsr-3296	56	13	55–85	55–85	NUM
fsr-3296	56	14	associated	associate	VERB
fsr-3296	56	15	with	with	ADP
fsr-3296	56	16	spending	spending	NOUN
fsr-3296	56	17	.	.	PUNCT
fsr-3296	57	1	finally	finally	ADV
fsr-3296	57	2	,	,	PUNCT
fsr-3296	57	3	the	the	DET
fsr-3296	57	4	results	result	NOUN
fsr-3296	57	5	show	show	VERB
fsr-3296	57	6	that	that	SCONJ
fsr-3296	57	7	attitudinal	attitudinal	ADJ
fsr-3296	57	8	biases	bias	NOUN
fsr-3296	57	9	and	and	CCONJ
fsr-3296	57	10	predispositions	predisposition	NOUN
fsr-3296	57	11	(	(	PUNCT
fsr-3296	57	12	e.g.	e.g.	ADV
fsr-3296	57	13	,	,	PUNCT
fsr-3296	57	14	attitude	attitude	NOUN
fsr-3296	57	15	toward	toward	ADP
fsr-3296	57	16	planning	planning	NOUN
fsr-3296	57	17	and	and	CCONJ
fsr-3296	57	18	borrowing	borrowing	NOUN
fsr-3296	57	19	)	)	PUNCT
fsr-3296	57	20	as	as	ADV
fsr-3296	57	21	well	well	ADV
fsr-3296	57	22	as	as	ADP
fsr-3296	57	23	past	past	ADJ
fsr-3296	57	24	borrowing	borrowing	NOUN
fsr-3296	57	25	behaviors	behavior	NOUN
fsr-3296	57	26	play	play	VERB
fsr-3296	57	27	a	a	DET
fsr-3296	57	28	significant	significant	ADJ
fsr-3296	57	29	role	role	NOUN
fsr-3296	57	30	in	in	ADP
fsr-3296	57	31	household	household	NOUN
fsr-3296	57	32	’s	’s	PART
fsr-3296	57	33	borrowing	borrowing	NOUN
fsr-3296	57	34	decisions	decision	NOUN
fsr-3296	57	35	.	.	PUNCT
fsr-3296	58	1	our	our	PRON
fsr-3296	58	2	work	work	NOUN
fsr-3296	58	3	contributes	contribute	VERB
fsr-3296	58	4	to	to	ADP
fsr-3296	58	5	the	the	DET
fsr-3296	58	6	extant	extant	ADJ
fsr-3296	58	7	research	research	NOUN
fsr-3296	58	8	in	in	ADP
fsr-3296	58	9	several	several	ADJ
fsr-3296	58	10	ways	way	NOUN
fsr-3296	58	11	.	.	PUNCT
fsr-3296	59	1	first	first	ADV
fsr-3296	59	2	,	,	PUNCT
fsr-3296	59	3	our	our	PRON
fsr-3296	59	4	results	result	NOUN
fsr-3296	59	5	suggest	suggest	VERB
fsr-3296	59	6	that	that	SCONJ
fsr-3296	59	7	the	the	DET
fsr-3296	59	8	attitude	attitude	NOUN
fsr-3296	59	9	toward	toward	ADP
fsr-3296	59	10	borrowing	borrowing	NOUN
fsr-3296	59	11	and	and	CCONJ
fsr-3296	59	12	the	the	DET
fsr-3296	59	13	intention	intention	NOUN
fsr-3296	59	14	to	to	PART
fsr-3296	59	15	borrow	borrow	VERB
fsr-3296	59	16	should	should	AUX
fsr-3296	59	17	not	not	PART
fsr-3296	59	18	be	be	AUX
fsr-3296	59	19	used	use	VERB
fsr-3296	59	20	interchangeably	interchangeably	ADV
fsr-3296	59	21	.	.	PUNCT
fsr-3296	60	1	second	second	ADJ
fsr-3296	60	2	,	,	PUNCT
fsr-3296	60	3	our	our	PRON
fsr-3296	60	4	work	work	NOUN
fsr-3296	60	5	indicates	indicate	VERB
fsr-3296	60	6	that	that	SCONJ
fsr-3296	60	7	the	the	DET
fsr-3296	60	8	need	need	NOUN
fsr-3296	60	9	for	for	ADP
fsr-3296	60	10	material	material	ADJ
fsr-3296	60	11	resources	resource	NOUN
fsr-3296	60	12	and	and	CCONJ
fsr-3296	60	13	the	the	DET
fsr-3296	60	14	need	need	NOUN
fsr-3296	60	15	for	for	ADP
fsr-3296	60	16	arousal	arousal	NOUN
fsr-3296	60	17	significantly	significantly	ADV
fsr-3296	60	18	influence	influence	VERB
fsr-3296	60	19	the	the	DET
fsr-3296	60	20	way	way	NOUN
fsr-3296	60	21	in	in	ADP
fsr-3296	60	22	which	which	PRON
fsr-3296	60	23	attitudinal	attitudinal	ADJ
fsr-3296	60	24	biases	bias	NOUN
fsr-3296	60	25	translate	translate	VERB
fsr-3296	60	26	into	into	ADP
fsr-3296	60	27	intentions	intention	NOUN
fsr-3296	60	28	to	to	PART
fsr-3296	60	29	borrow	borrow	VERB
fsr-3296	60	30	.	.	PUNCT
fsr-3296	61	1	third	third	ADV
fsr-3296	61	2	,	,	PUNCT
fsr-3296	61	3	our	our	PRON
fsr-3296	61	4	findings	finding	NOUN
fsr-3296	61	5	suggest	suggest	VERB
fsr-3296	61	6	that	that	SCONJ
fsr-3296	61	7	the	the	DET
fsr-3296	61	8	aggregation	aggregation	NOUN
fsr-3296	61	9	of	of	ADP
fsr-3296	61	10	borrowing	borrowing	NOUN
fsr-3296	61	11	behaviors	behavior	NOUN
fsr-3296	61	12	may	may	AUX
fsr-3296	61	13	lead	lead	VERB
fsr-3296	61	14	to	to	ADP
fsr-3296	61	15	distorted	distorted	ADJ
fsr-3296	61	16	conclusions	conclusion	NOUN
fsr-3296	61	17	,	,	PUNCT
fsr-3296	61	18	because	because	SCONJ
fsr-3296	61	19	borrowing	borrowing	NOUN
fsr-3296	61	20	options	option	NOUN
fsr-3296	61	21	are	be	AUX
fsr-3296	61	22	not	not	PART
fsr-3296	61	23	homogenous	homogenous	ADJ
fsr-3296	61	24	.	.	PUNCT
fsr-3296	62	1	theoretically	theoretically	ADV
fsr-3296	62	2	,	,	PUNCT
fsr-3296	62	3	our	our	PRON
fsr-3296	62	4	work	work	NOUN
fsr-3296	62	5	provides	provide	VERB
fsr-3296	62	6	general	general	ADJ
fsr-3296	62	7	support	support	NOUN
fsr-3296	62	8	to	to	ADP
fsr-3296	62	9	the	the	DET
fsr-3296	62	10	behavioral	behavioral	ADJ
fsr-3296	62	11	approach	approach	NOUN
fsr-3296	62	12	to	to	ADP
fsr-3296	62	13	explaining	explain	VERB
fsr-3296	62	14	financial	financial	ADJ
fsr-3296	62	15	decision	decision	NOUN
fsr-3296	62	16	making	making	NOUN
fsr-3296	62	17	,	,	PUNCT
fsr-3296	62	18	suggesting	suggest	VERB
fsr-3296	62	19	that	that	SCONJ
fsr-3296	62	20	psychological	psychological	ADJ
fsr-3296	62	21	factors	factor	NOUN
fsr-3296	62	22	and	and	CCONJ
fsr-3296	62	23	individual	individual	ADJ
fsr-3296	62	24	biases	bias	NOUN
fsr-3296	62	25	can	can	AUX
fsr-3296	62	26	swerve	swerve	VERB
fsr-3296	62	27	financial	financial	ADJ
fsr-3296	62	28	decisions	decision	NOUN
fsr-3296	62	29	in	in	ADP
fsr-3296	62	30	a	a	DET
fsr-3296	62	31	systematic	systematic	ADJ
fsr-3296	62	32	manner	manner	NOUN
fsr-3296	62	33	.	.	PUNCT
fsr-3296	63	1	2	2	X
fsr-3296	63	2	.	.	X
fsr-3296	63	3	literature	literature	NOUN
fsr-3296	63	4	review	review	PROPN
fsr-3296	63	5	and	and	CCONJ
fsr-3296	63	6	hypotheses	hypothese	VERB
fsr-3296	63	7	development	development	NOUN
fsr-3296	63	8	2.1	2.1	NUM
fsr-3296	63	9	.	.	PUNCT
fsr-3296	64	1	personality	personality	NOUN
fsr-3296	64	2	traits	trait	NOUN
fsr-3296	64	3	according	accord	VERB
fsr-3296	64	4	to	to	ADP
fsr-3296	64	5	lin	lin	PROPN
fsr-3296	64	6	(	(	PUNCT
fsr-3296	64	7	2010	2010	NUM
fsr-3296	64	8	)	)	PUNCT
fsr-3296	64	9	,	,	PUNCT
fsr-3296	64	10	personality	personality	NOUN
fsr-3296	64	11	traits	trait	NOUN
fsr-3296	64	12	are	be	AUX
fsr-3296	64	13	the	the	DET
fsr-3296	64	14	dynamic	dynamic	ADJ
fsr-3296	64	15	organization	organization	NOUN
fsr-3296	64	16	of	of	ADP
fsr-3296	64	17	psycho	psycho	ADJ
fsr-3296	64	18	physiological	physiological	ADJ
fsr-3296	64	19	systems	system	NOUN
fsr-3296	64	20	that	that	PRON
fsr-3296	64	21	make	make	VERB
fsr-3296	64	22	up	up	ADP
fsr-3296	64	23	a	a	DET
fsr-3296	64	24	person	person	NOUN
fsr-3296	64	25	’s	’s	PART
fsr-3296	64	26	characteristic	characteristic	ADJ
fsr-3296	64	27	behavior	behavior	NOUN
fsr-3296	64	28	,	,	PUNCT
fsr-3296	64	29	thoughts	thought	NOUN
fsr-3296	64	30	,	,	PUNCT
fsr-3296	64	31	and	and	CCONJ
fsr-3296	64	32	feelings	feeling	NOUN
fsr-3296	64	33	.	.	PUNCT
fsr-3296	65	1	one	one	NUM
fsr-3296	65	2	of	of	ADP
fsr-3296	65	3	the	the	DET
fsr-3296	65	4	recent	recent	ADJ
fsr-3296	65	5	approaches	approach	NOUN
fsr-3296	65	6	in	in	ADP
fsr-3296	65	7	understanding	understand	VERB
fsr-3296	65	8	the	the	DET
fsr-3296	65	9	impact	impact	NOUN
fsr-3296	65	10	of	of	ADP
fsr-3296	65	11	personality	personality	NOUN
fsr-3296	65	12	traits	trait	NOUN
fsr-3296	65	13	on	on	ADP
fsr-3296	65	14	behavior	behavior	NOUN
fsr-3296	65	15	is	be	AUX
fsr-3296	65	16	the	the	DET
fsr-3296	65	17	meta	meta	ADJ
fsr-3296	65	18	-	-	PUNCT
fsr-3296	65	19	theoretic	theoretic	ADJ
fsr-3296	65	20	model	model	NOUN
fsr-3296	65	21	of	of	ADP
fsr-3296	65	22	motivation	motivation	NOUN
fsr-3296	65	23	and	and	CCONJ
fsr-3296	65	24	personality	personality	NOUN
fsr-3296	65	25	(	(	PUNCT
fsr-3296	65	26	i.e.	i.e.	X
fsr-3296	65	27	,	,	PUNCT
fsr-3296	65	28	the	the	DET
fsr-3296	65	29	3	3	NUM
fsr-3296	65	30	m	m	NOUN
fsr-3296	65	31	model).3	model).3	PRON
fsr-3296	65	32	this	this	DET
fsr-3296	65	33	model	model	NOUN
fsr-3296	65	34	accounts	account	VERB
fsr-3296	65	35	for	for	ADP
fsr-3296	65	36	how	how	SCONJ
fsr-3296	65	37	personality	personality	NOUN
fsr-3296	65	38	traits	trait	NOUN
fsr-3296	65	39	interact	interact	VERB
fsr-3296	65	40	with	with	ADP
fsr-3296	65	41	the	the	DET
fsr-3296	65	42	situation	situation	NOUN
fsr-3296	65	43	to	to	PART
fsr-3296	65	44	influence	influence	VERB
fsr-3296	65	45	consumer	consumer	NOUN
fsr-3296	65	46	attitudes	attitude	NOUN
fsr-3296	65	47	and	and	CCONJ
fsr-3296	65	48	actions	action	NOUN
fsr-3296	65	49	(	(	PUNCT
fsr-3296	65	50	mowen	mowen	NOUN
fsr-3296	65	51	,	,	PUNCT
fsr-3296	65	52	2000	2000	NUM
fsr-3296	65	53	)	)	PUNCT
fsr-3296	65	54	.	.	PUNCT
fsr-3296	66	1	the	the	DET
fsr-3296	66	2	model	model	NOUN
fsr-3296	66	3	incorporates	incorporate	VERB
fsr-3296	66	4	a	a	DET
fsr-3296	66	5	hierarchical	hierarchical	ADJ
fsr-3296	66	6	theory	theory	NOUN
fsr-3296	66	7	of	of	ADP
fsr-3296	66	8	personality	personality	NOUN
fsr-3296	66	9	and	and	CCONJ
fsr-3296	66	10	stipulates	stipulate	VERB
fsr-3296	66	11	that	that	SCONJ
fsr-3296	66	12	personality	personality	NOUN
fsr-3296	66	13	traits	trait	NOUN
fsr-3296	66	14	are	be	AUX
fsr-3296	66	15	at	at	ADP
fsr-3296	66	16	one	one	NUM
fsr-3296	66	17	of	of	ADP
fsr-3296	66	18	four	four	NUM
fsr-3296	66	19	levels	level	NOUN
fsr-3296	66	20	(	(	PUNCT
fsr-3296	66	21	i.e.	i.e.	X
fsr-3296	66	22	,	,	PUNCT
fsr-3296	66	23	elemental	elemental	ADJ
fsr-3296	66	24	,	,	PUNCT
fsr-3296	66	25	compound	compound	NOUN
fsr-3296	66	26	,	,	PUNCT
fsr-3296	66	27	situational	situational	NOUN
fsr-3296	66	28	,	,	PUNCT
fsr-3296	66	29	and	and	CCONJ
fsr-3296	66	30	surface	surface	NOUN
fsr-3296	66	31	)	)	PUNCT
fsr-3296	66	32	.	.	PUNCT
fsr-3296	67	1	elemental	elemental	ADJ
fsr-3296	67	2	traits	trait	NOUN
fsr-3296	67	3	are	be	AUX
fsr-3296	67	4	the	the	DET
fsr-3296	67	5	focus	focus	NOUN
fsr-3296	67	6	of	of	ADP
fsr-3296	67	7	the	the	DET
fsr-3296	67	8	present	present	ADJ
fsr-3296	67	9	study	study	NOUN
fsr-3296	67	10	because	because	SCONJ
fsr-3296	67	11	of	of	ADP
fsr-3296	67	12	their	their	PRON
fsr-3296	67	13	fundamental	fundamental	ADJ
fsr-3296	67	14	nature	nature	NOUN
fsr-3296	67	15	in	in	ADP
fsr-3296	67	16	individual	individual	ADJ
fsr-3296	67	17	differences	difference	NOUN
fsr-3296	67	18	(	(	PUNCT
fsr-3296	67	19	mowen	mowen	NOUN
fsr-3296	67	20	&	&	CCONJ
fsr-3296	67	21	carlson	carlson	PROPN
fsr-3296	67	22	,	,	PUNCT
fsr-3296	67	23	2003	2003	NUM
fsr-3296	67	24	)	)	PUNCT
fsr-3296	67	25	.	.	PUNCT
fsr-3296	68	1	these	these	DET
fsr-3296	68	2	traits	trait	NOUN
fsr-3296	68	3	are	be	AUX
fsr-3296	68	4	basic	basic	ADJ
fsr-3296	68	5	predispositions	predisposition	NOUN
fsr-3296	68	6	that	that	PRON
fsr-3296	68	7	arise	arise	VERB
fsr-3296	68	8	from	from	ADP
fsr-3296	68	9	genetic	genetic	ADJ
fsr-3296	68	10	endowment	endowment	NOUN
fsr-3296	68	11	and	and	CCONJ
fsr-3296	68	12	early	early	ADJ
fsr-3296	68	13	learning	learning	NOUN
fsr-3296	68	14	.	.	PUNCT
fsr-3296	69	1	at	at	ADP
fsr-3296	69	2	the	the	DET
fsr-3296	69	3	elemental	elemental	ADJ
fsr-3296	69	4	level	level	NOUN
fsr-3296	69	5	,	,	PUNCT
fsr-3296	69	6	the	the	DET
fsr-3296	69	7	3	3	NUM
fsr-3296	69	8	m	m	PROPN
fsr-3296	69	9	model	model	NOUN
fsr-3296	69	10	contains	contain	VERB
fsr-3296	69	11	five	five	NUM
fsr-3296	69	12	traits	trait	NOUN
fsr-3296	69	13	from	from	ADP
fsr-3296	69	14	the	the	DET
fsr-3296	69	15	big	big	ADJ
fsr-3296	69	16	five	five	NUM
fsr-3296	69	17	personality	personality	NOUN
fsr-3296	69	18	model	model	NOUN
fsr-3296	69	19	(	(	PUNCT
fsr-3296	69	20	i.e.	i.e.	X
fsr-3296	69	21	,	,	PUNCT
fsr-3296	69	22	openness	openness	NOUN
fsr-3296	69	23	to	to	PART
fsr-3296	69	24	experience	experience	VERB
fsr-3296	69	25	,	,	PUNCT
fsr-3296	69	26	conscientiousness	conscientiousness	NOUN
fsr-3296	69	27	,	,	PUNCT
fsr-3296	69	28	extroversion	extroversion	NOUN
fsr-3296	69	29	,	,	PUNCT
fsr-3296	69	30	agreeableness	agreeableness	NOUN
fsr-3296	69	31	,	,	PUNCT
fsr-3296	69	32	and	and	CCONJ
fsr-3296	69	33	neuroticism5	neuroticism5	NOUN
fsr-3296	69	34	)	)	PUNCT
fsr-3296	69	35	as	as	ADV
fsr-3296	69	36	well	well	ADV
fsr-3296	69	37	as	as	ADP
fsr-3296	69	38	three	three	NUM
fsr-3296	69	39	additional	additional	ADJ
fsr-3296	69	40	traits	trait	NOUN
fsr-3296	69	41	namely	namely	ADV
fsr-3296	69	42	,	,	PUNCT
fsr-3296	69	43	need	need	VERB
fsr-3296	69	44	for	for	ADP
fsr-3296	69	45	material	material	ADJ
fsr-3296	69	46	resources	resource	NOUN
fsr-3296	69	47	,	,	PUNCT
fsr-3296	69	48	need	need	VERB
fsr-3296	69	49	for	for	ADP
fsr-3296	69	50	arousal	arousal	NOUN
fsr-3296	69	51	,	,	PUNCT
fsr-3296	69	52	and	and	CCONJ
fsr-3296	69	53	body	body	NOUN
fsr-3296	69	54	resource	resource	NOUN
fsr-3296	69	55	needs	need	NOUN
fsr-3296	69	56	(	(	PUNCT
fsr-3296	69	57	mowen	mowen	NOUN
fsr-3296	69	58	et	et	PROPN
fsr-3296	69	59	al	al	PROPN
fsr-3296	69	60	.	.	PROPN
fsr-3296	69	61	,	,	PUNCT
fsr-3296	69	62	2007	2007	NUM
fsr-3296	69	63	)	)	PUNCT
fsr-3296	69	64	.	.	PUNCT
fsr-3296	70	1	these	these	DET
fsr-3296	70	2	traits	trait	NOUN
fsr-3296	70	3	are	be	AUX
fsr-3296	70	4	used	use	VERB
fsr-3296	70	5	as	as	ADP
fsr-3296	70	6	screening	screen	VERB
fsr-3296	70	7	tools	tool	NOUN
fsr-3296	70	8	,	,	PUNCT
fsr-3296	70	9	because	because	SCONJ
fsr-3296	70	10	they	they	PRON
fsr-3296	70	11	can	can	AUX
fsr-3296	70	12	explain	explain	VERB
fsr-3296	70	13	the	the	DET
fsr-3296	70	14	variance	variance	NOUN
fsr-3296	70	15	in	in	ADP
fsr-3296	70	16	performance	performance	NOUN
fsr-3296	70	17	,	,	PUNCT
fsr-3296	70	18	are	be	AUX
fsr-3296	70	19	stable	stable	ADJ
fsr-3296	70	20	over	over	ADP
fsr-3296	70	21	time	time	NOUN
fsr-3296	70	22	,	,	PUNCT
fsr-3296	70	23	and	and	CCONJ
fsr-3296	70	24	generalize	generalize	VERB
fsr-3296	70	25	across	across	ADP
fsr-3296	70	26	groups	group	NOUN
fsr-3296	70	27	and	and	CCONJ
fsr-3296	70	28	settings	setting	NOUN
fsr-3296	70	29	(	(	PUNCT
fsr-3296	70	30	mowen	mowen	NOUN
fsr-3296	70	31	&	&	CCONJ
fsr-3296	70	32	carlson	carlson	PROPN
fsr-3296	70	33	,	,	PUNCT
fsr-3296	70	34	2003	2003	NUM
fsr-3296	70	35	)	)	PUNCT
fsr-3296	70	36	.	.	PUNCT
fsr-3296	71	1	2.2	2.2	NUM
fsr-3296	71	2	.	.	PUNCT
fsr-3296	71	3	personality	personality	NOUN
fsr-3296	71	4	traits	trait	NOUN
fsr-3296	71	5	and	and	CCONJ
fsr-3296	71	6	borrowing	borrowing	NOUN
fsr-3296	71	7	behavior	behavior	NOUN
fsr-3296	71	8	the	the	DET
fsr-3296	71	9	extant	extant	ADJ
fsr-3296	71	10	literature	literature	NOUN
fsr-3296	71	11	on	on	ADP
fsr-3296	71	12	the	the	DET
fsr-3296	71	13	relationship	relationship	NOUN
fsr-3296	71	14	between	between	ADP
fsr-3296	71	15	borrowing	borrowing	NOUN
fsr-3296	71	16	behavior	behavior	NOUN
fsr-3296	71	17	and	and	CCONJ
fsr-3296	71	18	personality	personality	NOUN
fsr-3296	71	19	traits	trait	NOUN
fsr-3296	71	20	defines	define	VERB
fsr-3296	71	21	borrowing	borrow	VERB
fsr-3296	71	22	broadly	broadly	ADV
fsr-3296	71	23	as	as	ADP
fsr-3296	71	24	any	any	DET
fsr-3296	71	25	behavior	behavior	NOUN
fsr-3296	71	26	that	that	PRON
fsr-3296	71	27	constitutes	constitute	VERB
fsr-3296	71	28	using	use	VERB
fsr-3296	71	29	others	other	NOUN
fsr-3296	71	30	’	’	PART
fsr-3296	71	31	wealth	wealth	NOUN
fsr-3296	71	32	to	to	PART
fsr-3296	71	33	satisfy	satisfy	VERB
fsr-3296	71	34	current	current	ADJ
fsr-3296	71	35	consumption	consumption	NOUN
fsr-3296	71	36	needs	need	NOUN
fsr-3296	71	37	.	.	PUNCT
fsr-3296	72	1	for	for	ADP
fsr-3296	72	2	instance	instance	NOUN
fsr-3296	72	3	,	,	PUNCT
fsr-3296	72	4	davey	davey	NOUN
fsr-3296	72	5	and	and	CCONJ
fsr-3296	72	6	george	george	PROPN
fsr-3296	72	7	(	(	PUNCT
fsr-3296	72	8	2011	2011	NUM
fsr-3296	72	9	)	)	PUNCT
fsr-3296	72	10	found	find	VERB
fsr-3296	72	11	that	that	SCONJ
fsr-3296	72	12	individuals	individual	NOUN
fsr-3296	72	13	who	who	PRON
fsr-3296	72	14	score	score	VERB
fsr-3296	72	15	higher	higher	ADV
fsr-3296	72	16	on	on	ADP
fsr-3296	72	17	openness	openness	NOUN
fsr-3296	72	18	have	have	VERB
fsr-3296	72	19	a	a	DET
fsr-3296	72	20	tendency	tendency	NOUN
fsr-3296	72	21	to	to	PART
fsr-3296	72	22	try	try	VERB
fsr-3296	72	23	different	different	ADJ
fsr-3296	72	24	or	or	CCONJ
fsr-3296	72	25	new	new	ADJ
fsr-3296	72	26	products	product	NOUN
fsr-3296	72	27	and	and	CCONJ
fsr-3296	72	28	services	service	NOUN
fsr-3296	72	29	,	,	PUNCT
fsr-3296	72	30	which	which	PRON
fsr-3296	72	31	implies	imply	VERB
fsr-3296	72	32	stronger	strong	ADJ
fsr-3296	72	33	intentions	intention	NOUN
fsr-3296	72	34	to	to	PART
fsr-3296	72	35	borrow	borrow	VERB
fsr-3296	72	36	money	money	NOUN
fsr-3296	72	37	to	to	PART
fsr-3296	72	38	satisfy	satisfy	VERB
fsr-3296	72	39	this	this	DET
fsr-3296	72	40	desire	desire	NOUN
fsr-3296	72	41	.	.	PUNCT
fsr-3296	73	1	moreover	moreover	ADV
fsr-3296	73	2	,	,	PUNCT
fsr-3296	73	3	they	they	PRON
fsr-3296	73	4	might	might	AUX
fsr-3296	73	5	be	be	AUX
fsr-3296	73	6	less	less	ADV
fsr-3296	73	7	hesitant	hesitant	ADJ
fsr-3296	73	8	to	to	PART
fsr-3296	73	9	take	take	VERB
fsr-3296	73	10	on	on	ADP
fsr-3296	73	11	a	a	DET
fsr-3296	73	12	loan	loan	NOUN
fsr-3296	73	13	as	as	SCONJ
fsr-3296	73	14	they	they	PRON
fsr-3296	73	15	see	see	VERB
fsr-3296	73	16	it	it	PRON
fsr-3296	73	17	as	as	ADP
fsr-3296	73	18	a	a	DET
fsr-3296	73	19	new	new	ADJ
fsr-3296	73	20	experience	experience	NOUN
fsr-3296	73	21	.	.	PUNCT
fsr-3296	74	1	harley	harley	NOUN
fsr-3296	74	2	and	and	CCONJ
fsr-3296	74	3	wilhelm	wilhelm	PROPN
fsr-3296	74	4	(	(	PUNCT
fsr-3296	74	5	1992	1992	NUM
fsr-3296	74	6	)	)	PUNCT
fsr-3296	74	7	showed	show	VERB
fsr-3296	74	8	that	that	SCONJ
fsr-3296	74	9	highly	highly	ADV
fsr-3296	74	10	conscientious	conscientious	ADJ
fsr-3296	74	11	individuals	individual	NOUN
fsr-3296	74	12	are	be	AUX
fsr-3296	74	13	self	self	NOUN
fsr-3296	74	14	-	-	PUNCT
fsr-3296	74	15	disciplined	discipline	VERB
fsr-3296	74	16	and	and	CCONJ
fsr-3296	74	17	,	,	PUNCT
fsr-3296	74	18	thus	thus	ADV
fsr-3296	74	19	,	,	PUNCT
fsr-3296	74	20	58	58	NUM
fsr-3296	74	21	a.	a.	NOUN
fsr-3296	74	22	yazdanparast	yazdanparast	NOUN
fsr-3296	74	23	,	,	PUNCT
fsr-3296	74	24	y.	y.	PROPN
fsr-3296	74	25	alhenawi	alhenawi	PROPN
fsr-3296	74	26	/	/	SYM
fsr-3296	74	27	financial	financial	ADJ
fsr-3296	74	28	services	service	NOUN
fsr-3296	74	29	review	review	VERB
fsr-3296	74	30	26	26	NUM
fsr-3296	74	31	(	(	PUNCT
fsr-3296	74	32	2017	2017	NUM
fsr-3296	74	33	)	)	PUNCT
fsr-3296	74	34	55–85	55–85	NUM
fsr-3296	74	35	are	be	AUX
fsr-3296	74	36	more	more	ADV
fsr-3296	74	37	likely	likely	ADJ
fsr-3296	74	38	to	to	PART
fsr-3296	74	39	regularly	regularly	ADV
fsr-3296	74	40	save	save	VERB
fsr-3296	74	41	compared	compare	VERB
fsr-3296	74	42	to	to	ADP
fsr-3296	74	43	carefree	carefree	ADJ
fsr-3296	74	44	people	people	NOUN
fsr-3296	74	45	.	.	PUNCT
fsr-3296	75	1	as	as	ADP
fsr-3296	75	2	a	a	DET
fsr-3296	75	3	result	result	NOUN
fsr-3296	75	4	,	,	PUNCT
fsr-3296	75	5	these	these	DET
fsr-3296	75	6	individuals	individual	NOUN
fsr-3296	75	7	make	make	VERB
fsr-3296	75	8	planned	plan	VERB
fsr-3296	75	9	decisions	decision	NOUN
fsr-3296	75	10	and	and	CCONJ
fsr-3296	75	11	are	be	AUX
fsr-3296	75	12	less	less	ADV
fsr-3296	75	13	likely	likely	ADJ
fsr-3296	75	14	in	in	ADP
fsr-3296	75	15	need	need	NOUN
fsr-3296	75	16	of	of	ADP
fsr-3296	75	17	borrowing	borrowing	NOUN
fsr-3296	75	18	.	.	PUNCT
fsr-3296	76	1	the	the	DET
fsr-3296	76	2	work	work	NOUN
fsr-3296	76	3	of	of	ADP
fsr-3296	76	4	sadi	sadi	NOUN
fsr-3296	76	5	,	,	PUNCT
fsr-3296	76	6	ghalibaf	ghalibaf	ADJ
fsr-3296	76	7	,	,	PUNCT
fsr-3296	76	8	rostami	rostami	NOUN
fsr-3296	76	9	,	,	PUNCT
fsr-3296	76	10	gholipour	gholipour	ADJ
fsr-3296	76	11	,	,	PUNCT
fsr-3296	76	12	and	and	CCONJ
fsr-3296	76	13	gholipour	gholipour	ADJ
fsr-3296	76	14	(	(	PUNCT
fsr-3296	76	15	2011	2011	NUM
fsr-3296	76	16	)	)	PUNCT
fsr-3296	76	17	showed	show	VERB
fsr-3296	76	18	that	that	SCONJ
fsr-3296	76	19	extroverts	extrovert	NOUN
fsr-3296	76	20	focus	focus	VERB
fsr-3296	76	21	on	on	ADP
fsr-3296	76	22	external	external	ADJ
fsr-3296	76	23	elements	element	NOUN
fsr-3296	76	24	,	,	PUNCT
fsr-3296	76	25	decide	decide	VERB
fsr-3296	76	26	easily	easily	ADV
fsr-3296	76	27	,	,	PUNCT
fsr-3296	76	28	and	and	CCONJ
fsr-3296	76	29	live	live	VERB
fsr-3296	76	30	in	in	ADP
fsr-3296	76	31	present	present	ADJ
fsr-3296	76	32	time	time	NOUN
fsr-3296	76	33	.	.	PUNCT
fsr-3296	77	1	further	far	ADV
fsr-3296	77	2	,	,	PUNCT
fsr-3296	77	3	extroversion	extroversion	NOUN
fsr-3296	77	4	is	be	AUX
fsr-3296	77	5	related	relate	VERB
fsr-3296	77	6	to	to	ADP
fsr-3296	77	7	the	the	DET
fsr-3296	77	8	need	need	NOUN
fsr-3296	77	9	for	for	ADP
fsr-3296	77	10	stimulation	stimulation	NOUN
fsr-3296	77	11	and	and	CCONJ
fsr-3296	77	12	social	social	ADJ
fsr-3296	77	13	contact	contact	NOUN
fsr-3296	77	14	which	which	PRON
fsr-3296	77	15	affects	affect	VERB
fsr-3296	77	16	spending	spend	VERB
fsr-3296	77	17	behavior	behavior	NOUN
fsr-3296	77	18	and	and	CCONJ
fsr-3296	77	19	consequently	consequently	ADV
fsr-3296	77	20	,	,	PUNCT
fsr-3296	77	21	increases	increase	VERB
fsr-3296	77	22	the	the	DET
fsr-3296	77	23	dependency	dependency	NOUN
fsr-3296	77	24	to	to	PART
fsr-3296	77	25	borrow	borrow	VERB
fsr-3296	77	26	(	(	PUNCT
fsr-3296	77	27	davey	davey	PROPN
fsr-3296	77	28	&	&	CCONJ
fsr-3296	77	29	george	george	PROPN
fsr-3296	77	30	,	,	PUNCT
fsr-3296	77	31	2011	2011	NUM
fsr-3296	77	32	)	)	PUNCT
fsr-3296	77	33	.	.	PUNCT
fsr-3296	78	1	similarly	similarly	ADV
fsr-3296	78	2	,	,	PUNCT
fsr-3296	78	3	extraversion	extraversion	NOUN
fsr-3296	78	4	is	be	AUX
fsr-3296	78	5	negatively	negatively	ADV
fsr-3296	78	6	related	relate	VERB
fsr-3296	78	7	to	to	ADP
fsr-3296	78	8	the	the	DET
fsr-3296	78	9	percentage	percentage	NOUN
fsr-3296	78	10	of	of	ADP
fsr-3296	78	11	income	income	NOUN
fsr-3296	78	12	that	that	PRON
fsr-3296	78	13	is	be	AUX
fsr-3296	78	14	saved	save	VERB
fsr-3296	78	15	and	and	CCONJ
fsr-3296	78	16	positively	positively	ADV
fsr-3296	78	17	with	with	ADP
fsr-3296	78	18	likelihood	likelihood	NOUN
fsr-3296	78	19	of	of	ADP
fsr-3296	78	20	being	be	AUX
fsr-3296	78	21	in	in	ADP
fsr-3296	78	22	debt	debt	NOUN
fsr-3296	78	23	and	and	CCONJ
fsr-3296	78	24	relying	rely	VERB
fsr-3296	78	25	on	on	ADP
fsr-3296	78	26	credit	credit	NOUN
fsr-3296	78	27	cards	card	NOUN
fsr-3296	78	28	(	(	PUNCT
fsr-3296	78	29	davey	davey	NOUN
fsr-3296	78	30	&	&	CCONJ
fsr-3296	78	31	george	george	PROPN
fsr-3296	78	32	,	,	PUNCT
fsr-3296	78	33	2011	2011	NUM
fsr-3296	78	34	)	)	PUNCT
fsr-3296	78	35	.	.	PUNCT
fsr-3296	79	1	nyhus	nyhus	PROPN
fsr-3296	79	2	and	and	CCONJ
fsr-3296	79	3	webley	webley	PROPN
fsr-3296	79	4	(	(	PUNCT
fsr-3296	79	5	2001	2001	NUM
fsr-3296	79	6	)	)	PUNCT
fsr-3296	79	7	argued	argue	VERB
fsr-3296	79	8	that	that	SCONJ
fsr-3296	79	9	highly	highly	ADV
fsr-3296	79	10	agreeable	agreeable	ADJ
fsr-3296	79	11	people	people	NOUN
fsr-3296	79	12	have	have	VERB
fsr-3296	79	13	fewer	few	ADJ
fsr-3296	79	14	investments	investment	NOUN
fsr-3296	79	15	and	and	CCONJ
fsr-3296	79	16	need	need	VERB
fsr-3296	79	17	to	to	PART
fsr-3296	79	18	borrow	borrow	VERB
fsr-3296	79	19	more	more	ADJ
fsr-3296	79	20	.	.	PUNCT
fsr-3296	80	1	finally	finally	ADV
fsr-3296	80	2	,	,	PUNCT
fsr-3296	80	3	and	and	CCONJ
fsr-3296	80	4	since	since	SCONJ
fsr-3296	80	5	shopping	shopping	NOUN
fsr-3296	80	6	and	and	CCONJ
fsr-3296	80	7	spending	spending	NOUN
fsr-3296	80	8	are	be	AUX
fsr-3296	80	9	considered	consider	VERB
fsr-3296	80	10	as	as	ADP
fsr-3296	80	11	means	mean	NOUN
fsr-3296	80	12	of	of	ADP
fsr-3296	80	13	temporary	temporary	ADJ
fsr-3296	80	14	mood	mood	NOUN
fsr-3296	80	15	repair	repair	NOUN
fsr-3296	80	16	,	,	PUNCT
fsr-3296	80	17	lack	lack	NOUN
fsr-3296	80	18	of	of	ADP
fsr-3296	80	19	emotional	emotional	ADJ
fsr-3296	80	20	stability	stability	NOUN
fsr-3296	80	21	(	(	PUNCT
fsr-3296	80	22	i.e.	i.e.	X
fsr-3296	80	23	,	,	PUNCT
fsr-3296	80	24	high	high	ADJ
fsr-3296	80	25	neuroticism	neuroticism	NOUN
fsr-3296	80	26	)	)	PUNCT
fsr-3296	80	27	may	may	AUX
fsr-3296	80	28	lead	lead	VERB
fsr-3296	80	29	individuals	individual	NOUN
fsr-3296	80	30	to	to	PART
fsr-3296	80	31	engage	engage	VERB
fsr-3296	80	32	in	in	ADP
fsr-3296	80	33	behaviors	behavior	NOUN
fsr-3296	80	34	such	such	ADJ
fsr-3296	80	35	as	as	ADP
fsr-3296	80	36	impulse	impulse	ADJ
fsr-3296	80	37	buying	buying	NOUN
fsr-3296	80	38	that	that	PRON
fsr-3296	80	39	could	could	AUX
fsr-3296	80	40	bring	bring	VERB
fsr-3296	80	41	them	they	PRON
fsr-3296	80	42	short	short	ADJ
fsr-3296	80	43	-	-	PUNCT
fsr-3296	80	44	term	term	NOUN
fsr-3296	80	45	gratification	gratification	NOUN
fsr-3296	80	46	(	(	PUNCT
fsr-3296	80	47	youn	youn	PROPN
fsr-3296	80	48	&	&	CCONJ
fsr-3296	80	49	faber	faber	PROPN
fsr-3296	80	50	,	,	PUNCT
fsr-3296	80	51	2000	2000	NUM
fsr-3296	80	52	)	)	PUNCT
fsr-3296	80	53	.	.	PUNCT
fsr-3296	81	1	lack	lack	NOUN
fsr-3296	81	2	of	of	ADP
fsr-3296	81	3	self	self	NOUN
fsr-3296	81	4	-	-	PUNCT
fsr-3296	81	5	control	control	NOUN
fsr-3296	81	6	has	have	AUX
fsr-3296	81	7	been	be	AUX
fsr-3296	81	8	associated	associate	VERB
fsr-3296	81	9	with	with	ADP
fsr-3296	81	10	a	a	DET
fsr-3296	81	11	variety	variety	NOUN
fsr-3296	81	12	of	of	ADP
fsr-3296	81	13	personal	personal	ADJ
fsr-3296	81	14	and	and	CCONJ
fsr-3296	81	15	social	social	ADJ
fsr-3296	81	16	problems	problem	NOUN
fsr-3296	81	17	,	,	PUNCT
fsr-3296	81	18	including	include	VERB
fsr-3296	81	19	overspending	overspending	NOUN
fsr-3296	81	20	(	(	PUNCT
fsr-3296	81	21	mansfield	mansfield	PROPN
fsr-3296	81	22	,	,	PUNCT
fsr-3296	81	23	pinto	pinto	NOUN
fsr-3296	81	24	,	,	PUNCT
fsr-3296	81	25	&	&	CCONJ
fsr-3296	81	26	parente	parente	X
fsr-3296	81	27	,	,	PUNCT
fsr-3296	81	28	2003	2003	NUM
fsr-3296	81	29	)	)	PUNCT
fsr-3296	81	30	,	,	PUNCT
fsr-3296	81	31	impulsive	impulsive	ADJ
fsr-3296	81	32	spending	spending	NOUN
fsr-3296	81	33	(	(	PUNCT
fsr-3296	81	34	baumeister	baumeister	PROPN
fsr-3296	81	35	&	&	CCONJ
fsr-3296	81	36	exline	exline	PROPN
fsr-3296	81	37	2000	2000	NUM
fsr-3296	81	38	;	;	PUNCT
fsr-3296	81	39	strayhorn	strayhorn	VERB
fsr-3296	81	40	,	,	PUNCT
fsr-3296	81	41	2002	2002	NUM
fsr-3296	81	42	)	)	PUNCT
fsr-3296	81	43	,	,	PUNCT
fsr-3296	81	44	and	and	CCONJ
fsr-3296	81	45	compulsive	compulsive	ADJ
fsr-3296	81	46	buying	buying	NOUN
fsr-3296	81	47	(	(	PUNCT
fsr-3296	81	48	mowen	mowen	NOUN
fsr-3296	81	49	,	,	PUNCT
fsr-3296	81	50	2000	2000	NUM
fsr-3296	81	51	)	)	PUNCT
fsr-3296	81	52	.	.	PUNCT
fsr-3296	82	1	consequently	consequently	ADV
fsr-3296	82	2	,	,	PUNCT
fsr-3296	82	3	individuals	individual	NOUN
fsr-3296	82	4	scoring	score	VERB
fsr-3296	82	5	high	high	ADJ
fsr-3296	82	6	on	on	ADP
fsr-3296	82	7	neuroticism	neuroticism	NOUN
fsr-3296	82	8	are	be	AUX
fsr-3296	82	9	less	less	ADV
fsr-3296	82	10	likely	likely	ADJ
fsr-3296	82	11	to	to	PART
fsr-3296	82	12	exhibit	exhibit	VERB
fsr-3296	82	13	self	self	NOUN
fsr-3296	82	14	-	-	PUNCT
fsr-3296	82	15	control	control	NOUN
fsr-3296	82	16	and	and	CCONJ
fsr-3296	82	17	save	save	VERB
fsr-3296	82	18	less	less	ADJ
fsr-3296	82	19	(	(	PUNCT
fsr-3296	82	20	brandstatter	brandstatter	NOUN
fsr-3296	82	21	,	,	PUNCT
fsr-3296	82	22	1996	1996	NUM
fsr-3296	82	23	;	;	PUNCT
fsr-3296	82	24	davey	davey	NOUN
fsr-3296	82	25	&	&	CCONJ
fsr-3296	82	26	george	george	PROPN
fsr-3296	82	27	,	,	PUNCT
fsr-3296	82	28	2011	2011	NUM
fsr-3296	82	29	)	)	PUNCT
fsr-3296	82	30	.	.	PUNCT
fsr-3296	83	1	moreover	moreover	ADV
fsr-3296	83	2	,	,	PUNCT
fsr-3296	83	3	brown	brown	ADJ
fsr-3296	83	4	and	and	CCONJ
fsr-3296	83	5	taylor	taylor	PROPN
fsr-3296	83	6	’s	’s	PART
fsr-3296	83	7	(	(	PUNCT
fsr-3296	83	8	2011	2011	NUM
fsr-3296	83	9	)	)	PUNCT
fsr-3296	83	10	used	use	VERB
fsr-3296	83	11	individual	individual	ADJ
fsr-3296	83	12	level	level	NOUN
fsr-3296	83	13	data	datum	NOUN
fsr-3296	83	14	drawn	draw	VERB
fsr-3296	83	15	from	from	ADP
fsr-3296	83	16	the	the	DET
fsr-3296	83	17	british	british	ADJ
fsr-3296	83	18	household	household	NOUN
fsr-3296	83	19	panel	panel	NOUN
fsr-3296	83	20	survey	survey	NOUN
fsr-3296	83	21	and	and	CCONJ
fsr-3296	83	22	analyzed	analyze	VERB
fsr-3296	83	23	the	the	DET
fsr-3296	83	24	influence	influence	NOUN
fsr-3296	83	25	of	of	ADP
fsr-3296	83	26	big	big	ADJ
fsr-3296	83	27	five	five	NUM
fsr-3296	83	28	personality	personality	NOUN
fsr-3296	83	29	traits	trait	NOUN
fsr-3296	83	30	on	on	ADP
fsr-3296	83	31	financial	financial	ADJ
fsr-3296	83	32	decisions	decision	NOUN
fsr-3296	83	33	regarding	regard	VERB
fsr-3296	83	34	unsecured	unsecured	ADJ
fsr-3296	83	35	debt	debt	NOUN
fsr-3296	83	36	acquisition	acquisition	NOUN
fsr-3296	83	37	and	and	CCONJ
fsr-3296	83	38	financial	financial	ADJ
fsr-3296	83	39	assets	asset	NOUN
fsr-3296	83	40	and	and	CCONJ
fsr-3296	83	41	found	find	VERB
fsr-3296	83	42	that	that	SCONJ
fsr-3296	83	43	personality	personality	NOUN
fsr-3296	83	44	traits	trait	NOUN
fsr-3296	83	45	have	have	VERB
fsr-3296	83	46	different	different	ADJ
fsr-3296	83	47	effects	effect	NOUN
fsr-3296	83	48	across	across	ADP
fsr-3296	83	49	the	the	DET
fsr-3296	83	50	various	various	ADJ
fsr-3296	83	51	types	type	NOUN
fsr-3296	83	52	of	of	ADP
fsr-3296	83	53	debt	debt	NOUN
fsr-3296	83	54	and	and	CCONJ
fsr-3296	83	55	assets	asset	NOUN
fsr-3296	83	56	held	hold	VERB
fsr-3296	83	57	.	.	PUNCT
fsr-3296	84	1	even	even	ADV
fsr-3296	84	2	though	though	ADV
fsr-3296	84	3	,	,	PUNCT
fsr-3296	84	4	these	these	DET
fsr-3296	84	5	findings	finding	NOUN
fsr-3296	84	6	provide	provide	VERB
fsr-3296	84	7	invaluable	invaluable	ADJ
fsr-3296	84	8	insights	insight	NOUN
fsr-3296	84	9	regarding	regard	VERB
fsr-3296	84	10	the	the	DET
fsr-3296	84	11	impact	impact	NOUN
fsr-3296	84	12	of	of	ADP
fsr-3296	84	13	personality	personality	NOUN
fsr-3296	84	14	traits	trait	NOUN
fsr-3296	84	15	on	on	ADP
fsr-3296	84	16	financial	financial	ADJ
fsr-3296	84	17	behaviors	behavior	NOUN
fsr-3296	84	18	of	of	ADP
fsr-3296	84	19	individuals	individual	NOUN
fsr-3296	84	20	,	,	PUNCT
fsr-3296	84	21	there	there	PRON
fsr-3296	84	22	is	be	VERB
fsr-3296	84	23	a	a	DET
fsr-3296	84	24	gap	gap	NOUN
fsr-3296	84	25	in	in	ADP
fsr-3296	84	26	extant	extant	ADJ
fsr-3296	84	27	literature	literature	NOUN
fsr-3296	84	28	focusing	focus	VERB
fsr-3296	84	29	on	on	ADP
fsr-3296	84	30	the	the	DET
fsr-3296	84	31	impact	impact	NOUN
fsr-3296	84	32	of	of	ADP
fsr-3296	84	33	personality	personality	NOUN
fsr-3296	84	34	traits	trait	NOUN
fsr-3296	84	35	on	on	ADP
fsr-3296	84	36	specific	specific	ADJ
fsr-3296	84	37	borrowing	borrowing	NOUN
fsr-3296	84	38	behaviors	behavior	NOUN
fsr-3296	84	39	.	.	PUNCT
fsr-3296	85	1	as	as	ADP
fsr-3296	85	2	such	such	ADJ
fsr-3296	85	3	,	,	PUNCT
fsr-3296	85	4	a	a	DET
fsr-3296	85	5	more	more	ADV
fsr-3296	85	6	recent	recent	ADJ
fsr-3296	85	7	stream	stream	NOUN
fsr-3296	85	8	of	of	ADP
fsr-3296	85	9	research	research	NOUN
fsr-3296	85	10	,	,	PUNCT
fsr-3296	85	11	to	to	PART
fsr-3296	85	12	which	which	PRON
fsr-3296	85	13	this	this	DET
fsr-3296	85	14	study	study	NOUN
fsr-3296	85	15	belongs	belong	VERB
fsr-3296	85	16	,	,	PUNCT
fsr-3296	85	17	has	have	AUX
fsr-3296	85	18	emerged	emerge	VERB
fsr-3296	85	19	which	which	PRON
fsr-3296	85	20	recognizes	recognize	VERB
fsr-3296	85	21	that	that	SCONJ
fsr-3296	85	22	borrowing	borrowing	NOUN
fsr-3296	85	23	actions	action	NOUN
fsr-3296	85	24	are	be	AUX
fsr-3296	85	25	not	not	PART
fsr-3296	85	26	similarly	similarly	ADV
fsr-3296	85	27	motivated	motivated	ADJ
fsr-3296	85	28	and	and	CCONJ
fsr-3296	85	29	provides	provide	VERB
fsr-3296	85	30	more	more	ADJ
fsr-3296	85	31	specificity	specificity	NOUN
fsr-3296	85	32	with	with	ADP
fsr-3296	85	33	regards	regard	NOUN
fsr-3296	85	34	to	to	ADP
fsr-3296	85	35	various	various	ADJ
fsr-3296	85	36	borrowing	borrowing	NOUN
fsr-3296	85	37	behaviors	behavior	NOUN
fsr-3296	85	38	.	.	PUNCT
fsr-3296	86	1	2.3	2.3	NUM
fsr-3296	86	2	.	.	PUNCT
fsr-3296	86	3	hypothesis	hypothesis	NOUN
fsr-3296	86	4	development	development	NOUN
fsr-3296	86	5	overall	overall	ADJ
fsr-3296	86	6	,	,	PUNCT
fsr-3296	86	7	the	the	DET
fsr-3296	86	8	review	review	NOUN
fsr-3296	86	9	of	of	ADP
fsr-3296	86	10	extant	extant	ADJ
fsr-3296	86	11	literature	literature	NOUN
fsr-3296	86	12	identifies	identify	VERB
fsr-3296	86	13	three	three	NUM
fsr-3296	86	14	major	major	ADJ
fsr-3296	86	15	research	research	NOUN
fsr-3296	86	16	gaps	gap	NOUN
fsr-3296	86	17	.	.	PUNCT
fsr-3296	87	1	first	first	ADV
fsr-3296	87	2	,	,	PUNCT
fsr-3296	87	3	the	the	DET
fsr-3296	87	4	extant	extant	ADJ
fsr-3296	87	5	research	research	NOUN
fsr-3296	87	6	overlooks	overlook	VERB
fsr-3296	87	7	the	the	DET
fsr-3296	87	8	fact	fact	NOUN
fsr-3296	87	9	that	that	SCONJ
fsr-3296	87	10	borrowing	borrowing	NOUN
fsr-3296	87	11	options	option	NOUN
fsr-3296	87	12	differ	differ	VERB
fsr-3296	87	13	vastly	vastly	ADV
fsr-3296	87	14	in	in	ADP
fsr-3296	87	15	terms	term	NOUN
fsr-3296	87	16	of	of	ADP
fsr-3296	87	17	borrowing	borrow	VERB
fsr-3296	87	18	horizon	horizon	NOUN
fsr-3296	87	19	and	and	CCONJ
fsr-3296	87	20	purpose	purpose	NOUN
fsr-3296	87	21	of	of	ADP
fsr-3296	87	22	borrowing	borrowing	NOUN
fsr-3296	87	23	and	and	CCONJ
fsr-3296	87	24	,	,	PUNCT
fsr-3296	87	25	thus	thus	ADV
fsr-3296	87	26	,	,	PUNCT
fsr-3296	87	27	they	they	PRON
fsr-3296	87	28	may	may	AUX
fsr-3296	87	29	be	be	AUX
fsr-3296	87	30	motivated	motivate	VERB
fsr-3296	87	31	differently	differently	ADV
fsr-3296	87	32	.	.	PUNCT
fsr-3296	88	1	the	the	DET
fsr-3296	88	2	works	work	NOUN
fsr-3296	88	3	of	of	ADP
fsr-3296	88	4	besharat	besharat	PROPN
fsr-3296	88	5	et	et	PROPN
fsr-3296	88	6	al	al	PROPN
fsr-3296	88	7	.	.	PUNCT
fsr-3296	88	8	(	(	PUNCT
fsr-3296	88	9	2014	2014	NUM
fsr-3296	88	10	,	,	PUNCT
fsr-3296	88	11	2015	2015	NUM
fsr-3296	88	12	)	)	PUNCT
fsr-3296	88	13	and	and	CCONJ
fsr-3296	88	14	brown	brown	PROPN
fsr-3296	88	15	and	and	CCONJ
fsr-3296	88	16	taylor	taylor	PROPN
fsr-3296	88	17	’s	’s	PART
fsr-3296	88	18	(	(	PUNCT
fsr-3296	88	19	2011	2011	NUM
fsr-3296	88	20	)	)	PUNCT
fsr-3296	88	21	present	present	VERB
fsr-3296	88	22	a	a	DET
fsr-3296	88	23	significant	significant	ADJ
fsr-3296	88	24	attempt	attempt	NOUN
fsr-3296	88	25	to	to	PART
fsr-3296	88	26	overcome	overcome	VERB
fsr-3296	88	27	this	this	DET
fsr-3296	88	28	shortcoming	shortcoming	NOUN
fsr-3296	88	29	but	but	CCONJ
fsr-3296	88	30	lack	lack	NOUN
fsr-3296	88	31	comprehensiveness	comprehensiveness	NOUN
fsr-3296	88	32	,	,	PUNCT
fsr-3296	88	33	as	as	SCONJ
fsr-3296	88	34	they	they	PRON
fsr-3296	88	35	focus	focus	VERB
fsr-3296	88	36	on	on	ADP
fsr-3296	88	37	a	a	DET
fsr-3296	88	38	single	single	ADJ
fsr-3296	88	39	aspect	aspect	NOUN
fsr-3296	88	40	of	of	ADP
fsr-3296	88	41	borrowing	borrowing	NOUN
fsr-3296	88	42	such	such	ADJ
fsr-3296	88	43	as	as	ADP
fsr-3296	88	44	credit	credit	NOUN
fsr-3296	88	45	cards	card	NOUN
fsr-3296	88	46	and	and	CCONJ
fsr-3296	88	47	unsecured	unsecured	ADJ
fsr-3296	88	48	debt	debt	NOUN
fsr-3296	88	49	acquisition	acquisition	NOUN
fsr-3296	88	50	.	.	PUNCT
fsr-3296	89	1	in	in	ADP
fsr-3296	89	2	contrast	contrast	NOUN
fsr-3296	89	3	,	,	PUNCT
fsr-3296	89	4	the	the	DET
fsr-3296	89	5	present	present	ADJ
fsr-3296	89	6	research	research	NOUN
fsr-3296	89	7	analyzes	analyze	VERB
fsr-3296	89	8	a	a	DET
fsr-3296	89	9	wide	wide	ADJ
fsr-3296	89	10	spectrum	spectrum	NOUN
fsr-3296	89	11	of	of	ADP
fsr-3296	89	12	borrowing	borrowing	NOUN
fsr-3296	89	13	options	option	NOUN
fsr-3296	89	14	and	and	CCONJ
fsr-3296	89	15	considers	consider	VERB
fsr-3296	89	16	long	long	ADJ
fsr-3296	89	17	-	-	PUNCT
fsr-3296	89	18	term	term	NOUN
fsr-3296	89	19	borrowing	borrowing	NOUN
fsr-3296	89	20	(	(	PUNCT
fsr-3296	89	21	i.e.	i.e.	X
fsr-3296	89	22	,	,	PUNCT
fsr-3296	89	23	borrowing	borrow	VERB
fsr-3296	89	24	for	for	ADP
fsr-3296	89	25	big	big	ADJ
fsr-3296	89	26	-	-	PUNCT
fsr-3296	89	27	ticket	ticket	NOUN
fsr-3296	89	28	items	item	NOUN
fsr-3296	89	29	that	that	PRON
fsr-3296	89	30	often	often	ADV
fsr-3296	89	31	require	require	VERB
fsr-3296	89	32	financing	financing	NOUN
fsr-3296	89	33	such	such	ADJ
fsr-3296	89	34	as	as	ADP
fsr-3296	89	35	mortgage	mortgage	NOUN
fsr-3296	89	36	)	)	PUNCT
fsr-3296	89	37	,	,	PUNCT
fsr-3296	89	38	intermediate	intermediate	ADJ
fsr-3296	89	39	-	-	PUNCT
fsr-3296	89	40	term	term	NOUN
fsr-3296	89	41	borrowing	borrowing	NOUN
fsr-3296	89	42	(	(	PUNCT
fsr-3296	89	43	e.g.	e.g.	ADV
fsr-3296	89	44	,	,	PUNCT
fsr-3296	89	45	automobile	automobile	NOUN
fsr-3296	89	46	and	and	CCONJ
fsr-3296	89	47	student	student	NOUN
fsr-3296	89	48	loans	loan	NOUN
fsr-3296	89	49	)	)	PUNCT
fsr-3296	89	50	,	,	PUNCT
fsr-3296	89	51	and	and	CCONJ
fsr-3296	89	52	short	short	ADJ
fsr-3296	89	53	-	-	PUNCT
fsr-3296	89	54	term	term	NOUN
fsr-3296	89	55	repeated	repeat	VERB
fsr-3296	89	56	borrowing	borrowing	NOUN
fsr-3296	89	57	decisions	decision	NOUN
fsr-3296	89	58	associated	associate	VERB
fsr-3296	89	59	with	with	ADP
fsr-3296	89	60	smaller	small	ADJ
fsr-3296	89	61	purchases	purchase	NOUN
fsr-3296	89	62	(	(	PUNCT
fsr-3296	89	63	e.g.	e.g.	ADV
fsr-3296	89	64	,	,	PUNCT
fsr-3296	89	65	the	the	DET
fsr-3296	89	66	use	use	NOUN
fsr-3296	89	67	of	of	ADP
fsr-3296	89	68	payday	payday	NOUN
fsr-3296	89	69	loans	loan	NOUN
fsr-3296	89	70	,	,	PUNCT
fsr-3296	89	71	credit	credit	NOUN
fsr-3296	89	72	cards	card	NOUN
fsr-3296	89	73	,	,	PUNCT
fsr-3296	89	74	and	and	CCONJ
fsr-3296	89	75	store	store	NOUN
fsr-3296	89	76	cards	card	NOUN
fsr-3296	89	77	)	)	PUNCT
fsr-3296	89	78	.	.	PUNCT
fsr-3296	90	1	the	the	DET
fsr-3296	90	2	study	study	NOUN
fsr-3296	90	3	also	also	ADV
fsr-3296	90	4	encompasses	encompass	VERB
fsr-3296	90	5	borrowing	borrowing	NOUN
fsr-3296	90	6	behaviors	behavior	NOUN
fsr-3296	90	7	induced	induce	VERB
fsr-3296	90	8	by	by	ADP
fsr-3296	90	9	asset	asset	NOUN
fsr-3296	90	10	acquisition	acquisition	NOUN
fsr-3296	90	11	(	(	PUNCT
fsr-3296	90	12	e.g.	e.g.	ADV
fsr-3296	90	13	,	,	PUNCT
fsr-3296	90	14	home	home	NOUN
fsr-3296	90	15	and	and	CCONJ
fsr-3296	90	16	car	car	NOUN
fsr-3296	90	17	)	)	PUNCT
fsr-3296	90	18	,	,	PUNCT
fsr-3296	90	19	consumptions	consumption	NOUN
fsr-3296	90	20	(	(	PUNCT
fsr-3296	90	21	e.g.	e.g.	ADV
fsr-3296	90	22	,	,	PUNCT
fsr-3296	90	23	credit	credit	NOUN
fsr-3296	90	24	cards	card	NOUN
fsr-3296	90	25	)	)	PUNCT
fsr-3296	90	26	,	,	PUNCT
fsr-3296	90	27	educational	educational	ADJ
fsr-3296	90	28	needs	need	NOUN
fsr-3296	90	29	(	(	PUNCT
fsr-3296	90	30	e.g.	e.g.	ADV
fsr-3296	90	31	,	,	PUNCT
fsr-3296	90	32	student	student	NOUN
fsr-3296	90	33	loans	loan	NOUN
fsr-3296	90	34	)	)	PUNCT
fsr-3296	90	35	,	,	PUNCT
fsr-3296	90	36	and	and	CCONJ
fsr-3296	90	37	investment	investment	NOUN
fsr-3296	90	38	(	(	PUNCT
fsr-3296	90	39	e.g.	e.g.	ADV
fsr-3296	90	40	,	,	PUNCT
fsr-3296	90	41	business	business	NOUN
fsr-3296	90	42	loans	loan	NOUN
fsr-3296	90	43	)	)	PUNCT
fsr-3296	90	44	.	.	PUNCT
fsr-3296	91	1	we	we	PRON
fsr-3296	91	2	also	also	ADV
fsr-3296	91	3	examine	examine	VERB
fsr-3296	91	4	contrasting	contrast	VERB
fsr-3296	91	5	borrowing	borrowing	NOUN
fsr-3296	91	6	options	option	NOUN
fsr-3296	91	7	that	that	PRON
fsr-3296	91	8	imply	imply	VERB
fsr-3296	91	9	varying	vary	VERB
fsr-3296	91	10	levels	level	NOUN
fsr-3296	91	11	of	of	ADP
fsr-3296	91	12	sophistication	sophistication	NOUN
fsr-3296	91	13	in	in	ADP
fsr-3296	91	14	financial	financial	ADJ
fsr-3296	91	15	behavior	behavior	NOUN
fsr-3296	91	16	and	and	CCONJ
fsr-3296	91	17	knowledge	knowledge	NOUN
fsr-3296	91	18	(	(	PUNCT
fsr-3296	91	19	e.g.	e.g.	ADV
fsr-3296	91	20	,	,	PUNCT
fsr-3296	91	21	59a	59a	NUM
fsr-3296	91	22	.	.	PUNCT
fsr-3296	92	1	yazdanparast	yazdanparast	NOUN
fsr-3296	92	2	,	,	PUNCT
fsr-3296	92	3	y.	y.	PROPN
fsr-3296	92	4	alhenawi	alhenawi	PROPN
fsr-3296	92	5	/	/	SYM
fsr-3296	92	6	financial	financial	ADJ
fsr-3296	92	7	services	service	NOUN
fsr-3296	92	8	review	review	VERB
fsr-3296	92	9	26	26	NUM
fsr-3296	92	10	(	(	PUNCT
fsr-3296	92	11	2017	2017	NUM
fsr-3296	92	12	)	)	PUNCT
fsr-3296	92	13	55–85	55–85	NUM
fsr-3296	92	14	the	the	DET
fsr-3296	92	15	process	process	NOUN
fsr-3296	92	16	of	of	ADP
fsr-3296	92	17	granting	grant	VERB
fsr-3296	92	18	business	business	NOUN
fsr-3296	92	19	loans	loan	NOUN
fsr-3296	92	20	is	be	AUX
fsr-3296	92	21	more	more	ADV
fsr-3296	92	22	rigorous	rigorous	ADJ
fsr-3296	92	23	than	than	ADP
fsr-3296	92	24	the	the	DET
fsr-3296	92	25	ad	ad	NOUN
fsr-3296	92	26	-	-	PUNCT
fsr-3296	92	27	hoc	hoc	X
fsr-3296	92	28	process	process	NOUN
fsr-3296	92	29	of	of	ADP
fsr-3296	92	30	granting	grant	VERB
fsr-3296	92	31	payday	payday	NOUN
fsr-3296	92	32	loans	loan	NOUN
fsr-3296	92	33	)	)	PUNCT
fsr-3296	92	34	.	.	PUNCT
fsr-3296	93	1	the	the	DET
fsr-3296	93	2	work	work	NOUN
fsr-3296	93	3	of	of	ADP
fsr-3296	93	4	duclos	duclo	NOUN
fsr-3296	93	5	(	(	PUNCT
fsr-3296	93	6	2015	2015	NUM
fsr-3296	93	7	)	)	PUNCT
fsr-3296	93	8	indicates	indicate	VERB
fsr-3296	93	9	that	that	SCONJ
fsr-3296	93	10	the	the	DET
fsr-3296	93	11	significance	significance	NOUN
fsr-3296	93	12	of	of	ADP
fsr-3296	93	13	a	a	DET
fsr-3296	93	14	financial	financial	ADJ
fsr-3296	93	15	decision	decision	NOUN
fsr-3296	93	16	is	be	AUX
fsr-3296	93	17	attributed	attribute	VERB
fsr-3296	93	18	not	not	PART
fsr-3296	93	19	only	only	ADV
fsr-3296	93	20	to	to	ADP
fsr-3296	93	21	the	the	DET
fsr-3296	93	22	size	size	NOUN
fsr-3296	93	23	of	of	ADP
fsr-3296	93	24	the	the	DET
fsr-3296	93	25	deal	deal	NOUN
fsr-3296	93	26	(	(	PUNCT
fsr-3296	93	27	e.g.	e.g.	ADV
fsr-3296	93	28	,	,	PUNCT
fsr-3296	93	29	mortgage	mortgage	NOUN
fsr-3296	93	30	)	)	PUNCT
fsr-3296	93	31	but	but	CCONJ
fsr-3296	93	32	also	also	ADV
fsr-3296	93	33	to	to	ADP
fsr-3296	93	34	the	the	DET
fsr-3296	93	35	accumulated	accumulate	VERB
fsr-3296	93	36	effects	effect	NOUN
fsr-3296	93	37	of	of	ADP
fsr-3296	93	38	repeated	repeat	VERB
fsr-3296	93	39	decisions	decision	NOUN
fsr-3296	93	40	(	(	PUNCT
fsr-3296	93	41	e.g.	e.g.	ADV
fsr-3296	93	42	,	,	PUNCT
fsr-3296	93	43	credit	credit	NOUN
fsr-3296	93	44	card	card	NOUN
fsr-3296	93	45	usage	usage	NOUN
fsr-3296	93	46	)	)	PUNCT
fsr-3296	93	47	.	.	PUNCT
fsr-3296	94	1	accordingly	accordingly	ADV
fsr-3296	94	2	,	,	PUNCT
fsr-3296	94	3	we	we	PRON
fsr-3296	94	4	explore	explore	VERB
fsr-3296	94	5	a	a	DET
fsr-3296	94	6	wide	wide	ADJ
fsr-3296	94	7	range	range	NOUN
fsr-3296	94	8	of	of	ADP
fsr-3296	94	9	borrowing	borrowing	NOUN
fsr-3296	94	10	options	option	NOUN
fsr-3296	94	11	that	that	PRON
fsr-3296	94	12	are	be	AUX
fsr-3296	94	13	inherently	inherently	ADV
fsr-3296	94	14	different	different	ADJ
fsr-3296	94	15	in	in	ADP
fsr-3296	94	16	risk	risk	NOUN
fsr-3296	94	17	,	,	PUNCT
fsr-3296	94	18	commitment	commitment	NOUN
fsr-3296	94	19	level	level	NOUN
fsr-3296	94	20	,	,	PUNCT
fsr-3296	94	21	term	term	NOUN
fsr-3296	94	22	,	,	PUNCT
fsr-3296	94	23	and	and	CCONJ
fsr-3296	94	24	purpose	purpose	NOUN
fsr-3296	94	25	.	.	PUNCT
fsr-3296	95	1	second	second	ADJ
fsr-3296	95	2	,	,	PUNCT
fsr-3296	95	3	the	the	DET
fsr-3296	95	4	extant	extant	ADJ
fsr-3296	95	5	literature	literature	NOUN
fsr-3296	95	6	does	do	AUX
fsr-3296	95	7	not	not	PART
fsr-3296	95	8	consider	consider	VERB
fsr-3296	95	9	the	the	DET
fsr-3296	95	10	additional	additional	ADJ
fsr-3296	95	11	traits	trait	NOUN
fsr-3296	95	12	that	that	PRON
fsr-3296	95	13	have	have	AUX
fsr-3296	95	14	been	be	AUX
fsr-3296	95	15	recently	recently	ADV
fsr-3296	95	16	added	add	VERB
fsr-3296	95	17	to	to	ADP
fsr-3296	95	18	the	the	DET
fsr-3296	95	19	3	3	NUM
fsr-3296	95	20	m	m	PROPN
fsr-3296	95	21	model	model	NOUN
fsr-3296	95	22	(	(	PUNCT
fsr-3296	95	23	i.e.	i.e.	X
fsr-3296	95	24	,	,	PUNCT
fsr-3296	95	25	the	the	DET
fsr-3296	95	26	need	need	NOUN
fsr-3296	95	27	for	for	ADP
fsr-3296	95	28	material	material	ADJ
fsr-3296	95	29	resources	resource	NOUN
fsr-3296	95	30	and	and	CCONJ
fsr-3296	95	31	the	the	DET
fsr-3296	95	32	need	need	NOUN
fsr-3296	95	33	for	for	ADP
fsr-3296	95	34	arousal).5	arousal).5	NOUN
fsr-3296	95	35	the	the	DET
fsr-3296	95	36	need	need	NOUN
fsr-3296	95	37	for	for	ADP
fsr-3296	95	38	material	material	ADJ
fsr-3296	95	39	resources	resource	NOUN
fsr-3296	95	40	is	be	AUX
fsr-3296	95	41	the	the	DET
fsr-3296	95	42	general	general	ADJ
fsr-3296	95	43	need	need	NOUN
fsr-3296	95	44	for	for	ADP
fsr-3296	95	45	possessing	possess	VERB
fsr-3296	95	46	material	material	NOUN
fsr-3296	95	47	and	and	CCONJ
fsr-3296	95	48	accumulating	accumulate	VERB
fsr-3296	95	49	wealth	wealth	NOUN
fsr-3296	95	50	.	.	PUNCT
fsr-3296	96	1	this	this	DET
fsr-3296	96	2	trait	trait	NOUN
fsr-3296	96	3	stems	stem	VERB
fsr-3296	96	4	from	from	ADP
fsr-3296	96	5	the	the	DET
fsr-3296	96	6	importance	importance	NOUN
fsr-3296	96	7	one	one	PRON
fsr-3296	96	8	attaches	attach	VERB
fsr-3296	96	9	to	to	ADP
fsr-3296	96	10	worldly	worldly	ADJ
fsr-3296	96	11	possessions	possession	NOUN
fsr-3296	96	12	(	(	PUNCT
fsr-3296	96	13	belk	belk	NOUN
fsr-3296	96	14	,	,	PUNCT
fsr-3296	96	15	1984	1984	NUM
fsr-3296	96	16	)	)	PUNCT
fsr-3296	96	17	.	.	PUNCT
fsr-3296	97	1	for	for	ADP
fsr-3296	97	2	individuals	individual	NOUN
fsr-3296	97	3	with	with	ADP
fsr-3296	97	4	greater	great	ADJ
fsr-3296	97	5	need	need	NOUN
fsr-3296	97	6	for	for	ADP
fsr-3296	97	7	material	material	ADJ
fsr-3296	97	8	resources	resource	NOUN
fsr-3296	97	9	,	,	PUNCT
fsr-3296	97	10	happiness	happiness	NOUN
fsr-3296	97	11	is	be	AUX
fsr-3296	97	12	associated	associate	VERB
fsr-3296	97	13	with	with	ADP
fsr-3296	97	14	possessions	possession	NOUN
fsr-3296	97	15	.	.	PUNCT
fsr-3296	98	1	therefore	therefore	ADV
fsr-3296	98	2	,	,	PUNCT
fsr-3296	98	3	they	they	PRON
fsr-3296	98	4	have	have	VERB
fsr-3296	98	5	a	a	DET
fsr-3296	98	6	more	more	ADV
fsr-3296	98	7	positive	positive	ADJ
fsr-3296	98	8	attitude	attitude	NOUN
fsr-3296	98	9	toward	toward	ADP
fsr-3296	98	10	debt	debt	NOUN
fsr-3296	98	11	(	(	PUNCT
fsr-3296	98	12	pinto	pinto	NOUN
fsr-3296	98	13	,	,	PUNCT
fsr-3296	98	14	parente	parente	NOUN
fsr-3296	98	15	,	,	PUNCT
fsr-3296	98	16	&	&	CCONJ
fsr-3296	98	17	palmer	palmer	PROPN
fsr-3296	98	18	,	,	PUNCT
fsr-3296	98	19	2000	2000	NUM
fsr-3296	98	20	;	;	PUNCT
fsr-3296	98	21	pirog	pirog	PROPN
fsr-3296	98	22	&	&	CCONJ
fsr-3296	98	23	roberts	roberts	PROPN
fsr-3296	98	24	,	,	PUNCT
fsr-3296	98	25	2007	2007	NUM
fsr-3296	98	26	)	)	PUNCT
fsr-3296	98	27	,	,	PUNCT
fsr-3296	98	28	and	and	CCONJ
fsr-3296	98	29	they	they	PRON
fsr-3296	98	30	are	be	AUX
fsr-3296	98	31	more	more	ADV
fsr-3296	98	32	willing	willing	ADJ
fsr-3296	98	33	to	to	PART
fsr-3296	98	34	take	take	VERB
fsr-3296	98	35	on	on	ADP
fsr-3296	98	36	greater	great	ADJ
fsr-3296	98	37	debts	debt	NOUN
fsr-3296	98	38	(	(	PUNCT
fsr-3296	98	39	ponchio	ponchio	PROPN
fsr-3296	98	40	&	&	CCONJ
fsr-3296	98	41	aranha	aranha	NOUN
fsr-3296	98	42	,	,	PUNCT
fsr-3296	98	43	2008	2008	NUM
fsr-3296	98	44	)	)	PUNCT
fsr-3296	98	45	.	.	PUNCT
fsr-3296	99	1	this	this	DET
fsr-3296	99	2	personal	personal	ADJ
fsr-3296	99	3	urge	urge	NOUN
fsr-3296	99	4	could	could	AUX
fsr-3296	99	5	make	make	VERB
fsr-3296	99	6	a	a	DET
fsr-3296	99	7	materialistic	materialistic	ADJ
fsr-3296	99	8	individual	individual	NOUN
fsr-3296	99	9	more	more	ADV
fsr-3296	99	10	willing	willing	ADJ
fsr-3296	99	11	to	to	PART
fsr-3296	99	12	carry	carry	VERB
fsr-3296	99	13	the	the	DET
fsr-3296	99	14	burden	burden	NOUN
fsr-3296	99	15	of	of	ADP
fsr-3296	99	16	a	a	DET
fsr-3296	99	17	loan	loan	NOUN
fsr-3296	99	18	to	to	PART
fsr-3296	99	19	satisfy	satisfy	VERB
fsr-3296	99	20	his	his	PRON
fsr-3296	99	21	/	/	SYM
fsr-3296	99	22	her	her	PRON
fsr-3296	99	23	psychological	psychological	ADJ
fsr-3296	99	24	needs	need	NOUN
fsr-3296	99	25	.	.	PUNCT
fsr-3296	100	1	therefore	therefore	ADV
fsr-3296	100	2	,	,	PUNCT
fsr-3296	100	3	controlling	control	VERB
fsr-3296	100	4	for	for	ADP
fsr-3296	100	5	income	income	NOUN
fsr-3296	100	6	and	and	CCONJ
fsr-3296	100	7	wealth	wealth	NOUN
fsr-3296	100	8	,	,	PUNCT
fsr-3296	100	9	we	we	PRON
fsr-3296	100	10	anticipate	anticipate	VERB
fsr-3296	100	11	to	to	PART
fsr-3296	100	12	find	find	VERB
fsr-3296	100	13	that	that	SCONJ
fsr-3296	100	14	those	those	PRON
fsr-3296	100	15	who	who	PRON
fsr-3296	100	16	score	score	VERB
fsr-3296	100	17	higher	higher	ADV
fsr-3296	100	18	on	on	ADP
fsr-3296	100	19	this	this	DET
fsr-3296	100	20	trait	trait	NOUN
fsr-3296	100	21	exhibit	exhibit	VERB
fsr-3296	100	22	a	a	DET
fsr-3296	100	23	stronger	strong	ADJ
fsr-3296	100	24	intention	intention	NOUN
fsr-3296	100	25	to	to	PART
fsr-3296	100	26	borrow	borrow	VERB
fsr-3296	100	27	compared	compare	VERB
fsr-3296	100	28	to	to	ADP
fsr-3296	100	29	those	those	PRON
fsr-3296	100	30	who	who	PRON
fsr-3296	100	31	score	score	VERB
fsr-3296	100	32	lower	lower	ADV
fsr-3296	100	33	.	.	PUNCT
fsr-3296	101	1	furthermore	furthermore	ADV
fsr-3296	101	2	,	,	PUNCT
fsr-3296	101	3	the	the	DET
fsr-3296	101	4	need	need	NOUN
fsr-3296	101	5	for	for	ADP
fsr-3296	101	6	arousal	arousal	NOUN
fsr-3296	101	7	is	be	AUX
fsr-3296	101	8	the	the	DET
fsr-3296	101	9	general	general	ADJ
fsr-3296	101	10	need	need	NOUN
fsr-3296	101	11	or	or	CCONJ
fsr-3296	101	12	desire	desire	VERB
fsr-3296	101	13	for	for	ADP
fsr-3296	101	14	stimulation	stimulation	NOUN
fsr-3296	101	15	and	and	CCONJ
fsr-3296	101	16	excitement	excitement	NOUN
fsr-3296	101	17	and	and	CCONJ
fsr-3296	101	18	countering	counter	VERB
fsr-3296	101	19	fear	fear	NOUN
fsr-3296	101	20	(	(	PUNCT
fsr-3296	101	21	licata	licata	NOUN
fsr-3296	101	22	,	,	PUNCT
fsr-3296	101	23	mowen	mowen	NOUN
fsr-3296	101	24	,	,	PUNCT
fsr-3296	101	25	harris	harris	PROPN
fsr-3296	101	26	,	,	PUNCT
fsr-3296	101	27	&	&	CCONJ
fsr-3296	101	28	brown	brown	PROPN
fsr-3296	101	29	,	,	PUNCT
fsr-3296	101	30	2003	2003	NUM
fsr-3296	101	31	;	;	PUNCT
fsr-3296	101	32	mehrabian	mehrabian	PROPN
fsr-3296	101	33	&	&	CCONJ
fsr-3296	101	34	russell	russell	PROPN
fsr-3296	101	35	,	,	PUNCT
fsr-3296	101	36	1974	1974	NUM
fsr-3296	101	37	)	)	PUNCT
fsr-3296	101	38	.	.	PUNCT
fsr-3296	102	1	individuals	individual	NOUN
fsr-3296	102	2	who	who	PRON
fsr-3296	102	3	score	score	VERB
fsr-3296	102	4	higher	higher	ADV
fsr-3296	102	5	on	on	ADP
fsr-3296	102	6	this	this	DET
fsr-3296	102	7	trait	trait	NOUN
fsr-3296	102	8	have	have	VERB
fsr-3296	102	9	a	a	DET
fsr-3296	102	10	chronic	chronic	ADJ
fsr-3296	102	11	need	need	NOUN
fsr-3296	102	12	for	for	ADP
fsr-3296	102	13	stimulation	stimulation	NOUN
fsr-3296	102	14	and	and	CCONJ
fsr-3296	102	15	instant	instant	ADJ
fsr-3296	102	16	gratification	gratification	NOUN
fsr-3296	102	17	.	.	PUNCT
fsr-3296	103	1	because	because	SCONJ
fsr-3296	103	2	purchase	purchase	NOUN
fsr-3296	103	3	is	be	AUX
fsr-3296	103	4	frequently	frequently	ADV
fsr-3296	103	5	cited	cite	VERB
fsr-3296	103	6	as	as	ADP
fsr-3296	103	7	a	a	DET
fsr-3296	103	8	stimulating	stimulating	ADJ
fsr-3296	103	9	behavior	behavior	NOUN
fsr-3296	103	10	because	because	SCONJ
fsr-3296	103	11	of	of	ADP
fsr-3296	103	12	its	its	PRON
fsr-3296	103	13	power	power	NOUN
fsr-3296	103	14	to	to	PART
fsr-3296	103	15	satisfy	satisfy	VERB
fsr-3296	103	16	urges	urge	NOUN
fsr-3296	103	17	for	for	ADP
fsr-3296	103	18	goods	good	NOUN
fsr-3296	103	19	,	,	PUNCT
fsr-3296	103	20	services	service	NOUN
fsr-3296	103	21	,	,	PUNCT
fsr-3296	103	22	experiences	experience	NOUN
fsr-3296	103	23	,	,	PUNCT
fsr-3296	103	24	and	and	CCONJ
fsr-3296	103	25	status	status	NOUN
fsr-3296	103	26	(	(	PUNCT
fsr-3296	103	27	d’astous	d’astous	PROPN
fsr-3296	103	28	et	et	PROPN
fsr-3296	103	29	al	al	PROPN
fsr-3296	103	30	.	.	PROPN
fsr-3296	103	31	,	,	PUNCT
fsr-3296	103	32	1990	1990	NUM
fsr-3296	103	33	;	;	PUNCT
fsr-3296	103	34	rook	rook	NOUN
fsr-3296	103	35	,	,	PUNCT
fsr-3296	103	36	1987	1987	NUM
fsr-3296	103	37	)	)	PUNCT
fsr-3296	103	38	,	,	PUNCT
fsr-3296	103	39	we	we	PRON
fsr-3296	103	40	anticipate	anticipate	VERB
fsr-3296	103	41	that	that	SCONJ
fsr-3296	103	42	the	the	DET
fsr-3296	103	43	need	need	NOUN
fsr-3296	103	44	for	for	ADP
fsr-3296	103	45	arousal	arousal	ADJ
fsr-3296	103	46	trait	trait	NOUN
fsr-3296	103	47	is	be	AUX
fsr-3296	103	48	associated	associate	VERB
fsr-3296	103	49	with	with	ADP
fsr-3296	103	50	stronger	strong	ADJ
fsr-3296	103	51	intention	intention	NOUN
fsr-3296	103	52	to	to	PART
fsr-3296	103	53	borrow	borrow	VERB
fsr-3296	103	54	(	(	PUNCT
fsr-3296	103	55	after	after	ADP
fsr-3296	103	56	controlling	control	VERB
fsr-3296	103	57	for	for	ADP
fsr-3296	103	58	income	income	NOUN
fsr-3296	103	59	and	and	CCONJ
fsr-3296	103	60	wealth	wealth	NOUN
fsr-3296	103	61	)	)	PUNCT
fsr-3296	103	62	.	.	PUNCT
fsr-3296	104	1	as	as	ADP
fsr-3296	104	2	such	such	ADJ
fsr-3296	104	3	,	,	PUNCT
fsr-3296	104	4	it	it	PRON
fsr-3296	104	5	is	be	AUX
fsr-3296	104	6	hypothesized	hypothesize	VERB
fsr-3296	104	7	that	that	SCONJ
fsr-3296	104	8	:	:	PUNCT
fsr-3296	104	9	hypothesis	hypothesis	NOUN
fsr-3296	104	10	1a	1a	NOUN
fsr-3296	104	11	:	:	PUNCT
fsr-3296	104	12	greater	great	ADJ
fsr-3296	104	13	need	need	NOUN
fsr-3296	104	14	for	for	ADP
fsr-3296	104	15	material	material	ADJ
fsr-3296	104	16	resources	resource	NOUN
fsr-3296	104	17	is	be	AUX
fsr-3296	104	18	associated	associate	VERB
fsr-3296	104	19	with	with	ADP
fsr-3296	104	20	a	a	DET
fsr-3296	104	21	stronger	strong	ADJ
fsr-3296	104	22	intention	intention	NOUN
fsr-3296	104	23	to	to	PART
fsr-3296	104	24	borrow	borrow	VERB
fsr-3296	104	25	.	.	PUNCT
fsr-3296	105	1	hypothesis	hypothesis	NOUN
fsr-3296	105	2	1b	1b	NUM
fsr-3296	105	3	:	:	PUNCT
fsr-3296	105	4	greater	great	ADJ
fsr-3296	105	5	need	need	NOUN
fsr-3296	105	6	for	for	ADP
fsr-3296	105	7	arousal	arousal	NOUN
fsr-3296	105	8	is	be	AUX
fsr-3296	105	9	associated	associate	VERB
fsr-3296	105	10	with	with	ADP
fsr-3296	105	11	a	a	DET
fsr-3296	105	12	stronger	strong	ADJ
fsr-3296	105	13	intention	intention	NOUN
fsr-3296	105	14	to	to	PART
fsr-3296	105	15	borrow	borrow	VERB
fsr-3296	105	16	.	.	PUNCT
fsr-3296	106	1	third	third	ADV
fsr-3296	106	2	,	,	PUNCT
fsr-3296	106	3	the	the	DET
fsr-3296	106	4	extant	extant	ADJ
fsr-3296	106	5	literature	literature	NOUN
fsr-3296	106	6	does	do	AUX
fsr-3296	106	7	not	not	PART
fsr-3296	106	8	make	make	VERB
fsr-3296	106	9	a	a	DET
fsr-3296	106	10	clear	clear	ADJ
fsr-3296	106	11	distinction	distinction	NOUN
fsr-3296	106	12	between	between	ADP
fsr-3296	106	13	attitudes	attitude	NOUN
fsr-3296	106	14	and	and	CCONJ
fsr-3296	106	15	intentions	intention	NOUN
fsr-3296	106	16	.	.	PUNCT
fsr-3296	107	1	this	this	PRON
fsr-3296	107	2	may	may	AUX
fsr-3296	107	3	lead	lead	VERB
fsr-3296	107	4	to	to	ADP
fsr-3296	107	5	dubious	dubious	ADJ
fsr-3296	107	6	conclusions	conclusion	NOUN
fsr-3296	107	7	because	because	SCONJ
fsr-3296	107	8	a	a	DET
fsr-3296	107	9	person	person	NOUN
fsr-3296	107	10	’s	’s	PART
fsr-3296	107	11	attitude	attitude	NOUN
fsr-3296	107	12	toward	toward	ADP
fsr-3296	107	13	an	an	DET
fsr-3296	107	14	action	action	NOUN
fsr-3296	107	15	may	may	AUX
fsr-3296	107	16	not	not	PART
fsr-3296	107	17	be	be	AUX
fsr-3296	107	18	consistent	consistent	ADJ
fsr-3296	107	19	with	with	ADP
fsr-3296	107	20	his	his	PRON
fsr-3296	107	21	intention	intention	NOUN
fsr-3296	107	22	to	to	PART
fsr-3296	107	23	take	take	VERB
fsr-3296	107	24	an	an	DET
fsr-3296	107	25	action	action	NOUN
fsr-3296	107	26	(	(	PUNCT
fsr-3296	107	27	ajzen	ajzen	PROPN
fsr-3296	107	28	&	&	CCONJ
fsr-3296	107	29	fishbein	fishbein	PROPN
fsr-3296	107	30	,	,	PUNCT
fsr-3296	107	31	1977	1977	NUM
fsr-3296	107	32	)	)	PUNCT
fsr-3296	107	33	.	.	PUNCT
fsr-3296	108	1	more	more	ADV
fsr-3296	108	2	specifically	specifically	ADV
fsr-3296	108	3	,	,	PUNCT
fsr-3296	108	4	attitude	attitude	NOUN
fsr-3296	108	5	toward	toward	ADP
fsr-3296	108	6	a	a	DET
fsr-3296	108	7	behavior	behavior	NOUN
fsr-3296	108	8	is	be	AUX
fsr-3296	108	9	defined	define	VERB
fsr-3296	108	10	as	as	ADP
fsr-3296	108	11	the	the	DET
fsr-3296	108	12	lasting	last	VERB
fsr-3296	108	13	evaluations	evaluation	NOUN
fsr-3296	108	14	of	of	ADP
fsr-3296	108	15	the	the	DET
fsr-3296	108	16	action	action	NOUN
fsr-3296	108	17	,	,	PUNCT
fsr-3296	108	18	but	but	CCONJ
fsr-3296	108	19	the	the	DET
fsr-3296	108	20	ultimate	ultimate	ADJ
fsr-3296	108	21	behavior	behavior	NOUN
fsr-3296	108	22	is	be	AUX
fsr-3296	108	23	best	well	ADV
fsr-3296	108	24	captured	capture	VERB
fsr-3296	108	25	by	by	ADP
fsr-3296	108	26	behavioral	behavioral	ADJ
fsr-3296	108	27	intentions	intention	NOUN
fsr-3296	108	28	which	which	PRON
fsr-3296	108	29	are	be	AUX
fsr-3296	108	30	in	in	ADP
fsr-3296	108	31	turn	turn	NOUN
fsr-3296	108	32	influenced	influence	VERB
fsr-3296	108	33	by	by	ADP
fsr-3296	108	34	many	many	ADJ
fsr-3296	108	35	factors	factor	NOUN
fsr-3296	108	36	including	include	VERB
fsr-3296	108	37	the	the	DET
fsr-3296	108	38	attitude	attitude	NOUN
fsr-3296	108	39	toward	toward	ADP
fsr-3296	108	40	the	the	DET
fsr-3296	108	41	behavior	behavior	NOUN
fsr-3296	108	42	(	(	PUNCT
fsr-3296	108	43	fishbein	fishbein	PROPN
fsr-3296	108	44	&	&	CCONJ
fsr-3296	108	45	ajzen	ajzen	PROPN
fsr-3296	108	46	,	,	PUNCT
fsr-3296	108	47	1975	1975	NUM
fsr-3296	108	48	,	,	PUNCT
fsr-3296	108	49	1980	1980	NUM
fsr-3296	108	50	)	)	PUNCT
fsr-3296	108	51	.	.	PUNCT
fsr-3296	109	1	further	far	ADV
fsr-3296	109	2	,	,	PUNCT
fsr-3296	109	3	attitudes	attitude	NOUN
fsr-3296	109	4	are	be	AUX
fsr-3296	109	5	individual	individual	ADJ
fsr-3296	109	6	factors	factor	NOUN
fsr-3296	109	7	mainly	mainly	ADV
fsr-3296	109	8	associated	associate	VERB
fsr-3296	109	9	with	with	ADP
fsr-3296	109	10	the	the	DET
fsr-3296	109	11	amount	amount	NOUN
fsr-3296	109	12	of	of	ADP
fsr-3296	109	13	affect	affect	NOUN
fsr-3296	109	14	or	or	CCONJ
fsr-3296	109	15	feeling	feel	VERB
fsr-3296	109	16	for	for	ADP
fsr-3296	109	17	or	or	CCONJ
fsr-3296	109	18	against	against	ADP
fsr-3296	109	19	something	something	PRON
fsr-3296	109	20	while	while	SCONJ
fsr-3296	109	21	intentions	intention	NOUN
fsr-3296	109	22	are	be	AUX
fsr-3296	109	23	influenced	influence	VERB
fsr-3296	109	24	by	by	ADP
fsr-3296	109	25	situational	situational	ADJ
fsr-3296	109	26	,	,	PUNCT
fsr-3296	109	27	individual	individual	ADJ
fsr-3296	109	28	,	,	PUNCT
fsr-3296	109	29	and	and	CCONJ
fsr-3296	109	30	elements	element	NOUN
fsr-3296	109	31	of	of	ADP
fsr-3296	109	32	marketing	marketing	NOUN
fsr-3296	109	33	stimuli	stimulus	NOUN
fsr-3296	109	34	communicated	communicate	VERB
fsr-3296	109	35	with	with	ADP
fsr-3296	109	36	consumers	consumer	NOUN
fsr-3296	109	37	.	.	PUNCT
fsr-3296	110	1	therefore	therefore	ADV
fsr-3296	110	2	,	,	PUNCT
fsr-3296	110	3	the	the	DET
fsr-3296	110	4	distinction	distinction	NOUN
fsr-3296	110	5	between	between	ADP
fsr-3296	110	6	the	the	DET
fsr-3296	110	7	two	two	NUM
fsr-3296	110	8	is	be	AUX
fsr-3296	110	9	theoretically	theoretically	ADV
fsr-3296	110	10	and	and	CCONJ
fsr-3296	110	11	empirically	empirically	ADV
fsr-3296	110	12	important	important	ADJ
fsr-3296	110	13	when	when	SCONJ
fsr-3296	110	14	investigating	investigate	VERB
fsr-3296	110	15	behaviors	behavior	NOUN
fsr-3296	110	16	(	(	PUNCT
fsr-3296	110	17	fishbein	fishbein	PROPN
fsr-3296	110	18	&	&	CCONJ
fsr-3296	110	19	ajzen	ajzen	NOUN
fsr-3296	110	20	,	,	PUNCT
fsr-3296	110	21	1975	1975	NUM
fsr-3296	110	22	;	;	PUNCT
fsr-3296	110	23	sheppard	sheppard	NOUN
fsr-3296	110	24	,	,	PUNCT
fsr-3296	110	25	hartwich	hartwich	NOUN
fsr-3296	110	26	,	,	PUNCT
fsr-3296	110	27	&	&	CCONJ
fsr-3296	110	28	warshaw	warshaw	PROPN
fsr-3296	110	29	,	,	PUNCT
fsr-3296	110	30	1988	1988	NUM
fsr-3296	110	31	)	)	PUNCT
fsr-3296	110	32	.	.	PUNCT
fsr-3296	111	1	in	in	ADP
fsr-3296	111	2	the	the	DET
fsr-3296	111	3	context	context	NOUN
fsr-3296	111	4	of	of	ADP
fsr-3296	111	5	this	this	DET
fsr-3296	111	6	research	research	NOUN
fsr-3296	111	7	,	,	PUNCT
fsr-3296	111	8	we	we	PRON
fsr-3296	111	9	hypothesize	hypothesize	VERB
fsr-3296	111	10	that	that	SCONJ
fsr-3296	111	11	:	:	PUNCT
fsr-3296	111	12	hypothesis	hypothesis	NOUN
fsr-3296	111	13	2	2	NUM
fsr-3296	111	14	:	:	PUNCT
fsr-3296	111	15	the	the	DET
fsr-3296	111	16	intention	intention	NOUN
fsr-3296	111	17	to	to	PART
fsr-3296	111	18	borrow	borrow	VERB
fsr-3296	111	19	is	be	AUX
fsr-3296	111	20	not	not	PART
fsr-3296	111	21	always	always	ADV
fsr-3296	111	22	consistent	consistent	ADJ
fsr-3296	111	23	with	with	ADP
fsr-3296	111	24	the	the	DET
fsr-3296	111	25	borrower	borrower	NOUN
fsr-3296	111	26	’s	’s	PART
fsr-3296	111	27	attitude	attitude	NOUN
fsr-3296	111	28	towards	towards	ADP
fsr-3296	111	29	borrowing	borrowing	NOUN
fsr-3296	111	30	.	.	PUNCT
fsr-3296	112	1	60	60	NUM
fsr-3296	112	2	a.	a.	NOUN
fsr-3296	112	3	yazdanparast	yazdanparast	NOUN
fsr-3296	112	4	,	,	PUNCT
fsr-3296	112	5	y.	y.	PROPN
fsr-3296	112	6	alhenawi	alhenawi	PROPN
fsr-3296	112	7	/	/	SYM
fsr-3296	112	8	financial	financial	ADJ
fsr-3296	112	9	services	service	NOUN
fsr-3296	112	10	review	review	VERB
fsr-3296	112	11	26	26	NUM
fsr-3296	112	12	(	(	PUNCT
fsr-3296	112	13	2017	2017	NUM
fsr-3296	112	14	)	)	PUNCT
fsr-3296	112	15	55–85	55–85	NUM
fsr-3296	112	16	furthermore	furthermore	ADV
fsr-3296	112	17	,	,	PUNCT
fsr-3296	112	18	research	research	NOUN
fsr-3296	112	19	has	have	AUX
fsr-3296	112	20	indicated	indicate	VERB
fsr-3296	112	21	that	that	SCONJ
fsr-3296	112	22	personality	personality	NOUN
fsr-3296	112	23	characteristics	characteristic	NOUN
fsr-3296	112	24	predict	predict	VERB
fsr-3296	112	25	enduring	enduring	ADJ
fsr-3296	112	26	tendencies	tendency	NOUN
fsr-3296	112	27	to	to	PART
fsr-3296	112	28	engage	engage	VERB
fsr-3296	112	29	in	in	ADP
fsr-3296	112	30	general	general	ADJ
fsr-3296	112	31	classes	class	NOUN
fsr-3296	112	32	of	of	ADP
fsr-3296	112	33	behavior	behavior	NOUN
fsr-3296	112	34	(	(	PUNCT
fsr-3296	112	35	mowen	mowen	NOUN
fsr-3296	112	36	,	,	PUNCT
fsr-3296	112	37	2000	2000	NUM
fsr-3296	112	38	)	)	PUNCT
fsr-3296	112	39	.	.	PUNCT
fsr-3296	113	1	therefore	therefore	ADV
fsr-3296	113	2	,	,	PUNCT
fsr-3296	113	3	we	we	PRON
fsr-3296	113	4	anticipate	anticipate	VERB
fsr-3296	113	5	that	that	SCONJ
fsr-3296	113	6	the	the	DET
fsr-3296	113	7	relationship	relationship	NOUN
fsr-3296	113	8	between	between	ADP
fsr-3296	113	9	attitude	attitude	NOUN
fsr-3296	113	10	towards	towards	ADP
fsr-3296	113	11	borrowing	borrowing	NOUN
fsr-3296	113	12	and	and	CCONJ
fsr-3296	113	13	the	the	DET
fsr-3296	113	14	intention	intention	NOUN
fsr-3296	113	15	to	to	PART
fsr-3296	113	16	borrow	borrow	VERB
fsr-3296	113	17	is	be	AUX
fsr-3296	113	18	moderated	moderate	VERB
fsr-3296	113	19	by	by	ADP
fsr-3296	113	20	personality	personality	NOUN
fsr-3296	113	21	traits	trait	NOUN
fsr-3296	113	22	.	.	PUNCT
fsr-3296	114	1	accordingly	accordingly	ADV
fsr-3296	114	2	,	,	PUNCT
fsr-3296	114	3	we	we	PRON
fsr-3296	114	4	test	test	VERB
fsr-3296	114	5	the	the	DET
fsr-3296	114	6	following	follow	VERB
fsr-3296	114	7	hypotheses	hypothesis	NOUN
fsr-3296	114	8	:	:	PUNCT
fsr-3296	114	9	hypothesis	hypothesis	NOUN
fsr-3296	114	10	3a	3a	NUM
fsr-3296	114	11	:	:	PUNCT
fsr-3296	114	12	the	the	DET
fsr-3296	114	13	relationship	relationship	NOUN
fsr-3296	114	14	between	between	ADP
fsr-3296	114	15	attitude	attitude	NOUN
fsr-3296	114	16	towards	towards	ADP
fsr-3296	114	17	borrowing	borrowing	NOUN
fsr-3296	114	18	and	and	CCONJ
fsr-3296	114	19	the	the	DET
fsr-3296	114	20	intention	intention	NOUN
fsr-3296	114	21	to	to	PART
fsr-3296	114	22	borrow	borrow	VERB
fsr-3296	114	23	is	be	AUX
fsr-3296	114	24	stronger	strong	ADJ
fsr-3296	114	25	for	for	ADP
fsr-3296	114	26	individuals	individual	NOUN
fsr-3296	114	27	with	with	ADP
fsr-3296	114	28	greater	great	ADJ
fsr-3296	114	29	need	need	NOUN
fsr-3296	114	30	for	for	ADP
fsr-3296	114	31	material	material	ADJ
fsr-3296	114	32	resources	resource	NOUN
fsr-3296	114	33	.	.	PUNCT
fsr-3296	115	1	hypothesis	hypothesis	NOUN
fsr-3296	115	2	3b	3b	NUM
fsr-3296	115	3	:	:	PUNCT
fsr-3296	115	4	the	the	DET
fsr-3296	115	5	relationship	relationship	NOUN
fsr-3296	115	6	between	between	ADP
fsr-3296	115	7	attitude	attitude	NOUN
fsr-3296	115	8	towards	towards	ADP
fsr-3296	115	9	borrowing	borrowing	NOUN
fsr-3296	115	10	and	and	CCONJ
fsr-3296	115	11	the	the	DET
fsr-3296	115	12	intention	intention	NOUN
fsr-3296	115	13	to	to	PART
fsr-3296	115	14	borrow	borrow	VERB
fsr-3296	115	15	is	be	AUX
fsr-3296	115	16	stronger	strong	ADJ
fsr-3296	115	17	for	for	ADP
fsr-3296	115	18	individuals	individual	NOUN
fsr-3296	115	19	with	with	ADP
fsr-3296	115	20	greater	great	ADJ
fsr-3296	115	21	need	need	NOUN
fsr-3296	115	22	for	for	ADP
fsr-3296	115	23	arousal	arousal	NOUN
fsr-3296	115	24	.	.	PUNCT
fsr-3296	116	1	the	the	DET
fsr-3296	116	2	following	follow	VERB
fsr-3296	116	3	graph	graph	NOUN
fsr-3296	116	4	illustrates	illustrate	VERB
fsr-3296	116	5	the	the	DET
fsr-3296	116	6	connections	connection	NOUN
fsr-3296	116	7	between	between	ADP
fsr-3296	116	8	the	the	DET
fsr-3296	116	9	hypotheses	hypothesis	NOUN
fsr-3296	116	10	:	:	PUNCT
fsr-3296	116	11	3	3	X
fsr-3296	116	12	.	.	NOUN
fsr-3296	116	13	data	datum	NOUN
fsr-3296	116	14	collection	collection	NOUN
fsr-3296	116	15	and	and	CCONJ
fsr-3296	116	16	methods	method	NOUN
fsr-3296	116	17	3.1	3.1	NUM
fsr-3296	116	18	.	.	PUNCT
fsr-3296	116	19	procedure	procedure	NOUN
fsr-3296	116	20	data	datum	NOUN
fsr-3296	116	21	were	be	AUX
fsr-3296	116	22	collected	collect	VERB
fsr-3296	116	23	through	through	ADP
fsr-3296	116	24	an	an	DET
fsr-3296	116	25	online	online	ADJ
fsr-3296	116	26	survey	survey	NOUN
fsr-3296	116	27	administrated	administrate	VERB
fsr-3296	116	28	by	by	ADP
fsr-3296	116	29	qualtrics	qualtric	NOUN
fsr-3296	116	30	on	on	ADP
fsr-3296	116	31	amazon	amazon	NOUN
fsr-3296	116	32	’s	’s	PART
fsr-3296	116	33	mechanical	mechanical	ADJ
fsr-3296	116	34	turk	turk	PROPN
fsr-3296	116	35	(	(	PUNCT
fsr-3296	116	36	mturk	mturk	PROPN
fsr-3296	116	37	;	;	PUNCT
fsr-3296	116	38	buhrmester	buhrmester	NOUN
fsr-3296	116	39	et	et	PROPN
fsr-3296	116	40	al	al	PROPN
fsr-3296	116	41	.	.	PROPN
fsr-3296	116	42	,	,	PUNCT
fsr-3296	116	43	2011	2011	NUM
fsr-3296	116	44	;	;	PUNCT
fsr-3296	116	45	rand	rand	NOUN
fsr-3296	116	46	,	,	PUNCT
fsr-3296	116	47	2012	2012	NUM
fsr-3296	116	48	)	)	PUNCT
fsr-3296	116	49	.	.	PUNCT
fsr-3296	117	1	mturk	mturk	PROPN
fsr-3296	117	2	provides	provide	VERB
fsr-3296	117	3	behavioral	behavioral	ADJ
fsr-3296	117	4	researchers	researcher	NOUN
fsr-3296	117	5	with	with	ADP
fsr-3296	117	6	representative	representative	ADJ
fsr-3296	117	7	consumer	consumer	NOUN
fsr-3296	117	8	samples	sample	NOUN
fsr-3296	117	9	because	because	SCONJ
fsr-3296	117	10	mturk	mturk	PROPN
fsr-3296	117	11	samples	sample	NOUN
fsr-3296	117	12	tap	tap	VERB
fsr-3296	117	13	more	more	ADV
fsr-3296	117	14	diverse	diverse	ADJ
fsr-3296	117	15	populations	population	NOUN
fsr-3296	117	16	and	and	CCONJ
fsr-3296	117	17	yield	yield	VERB
fsr-3296	117	18	greater	great	ADJ
fsr-3296	117	19	generalizability	generalizability	NOUN
fsr-3296	117	20	(	(	PUNCT
fsr-3296	117	21	buhrmester	buhrmester	NOUN
fsr-3296	117	22	et	et	PROPN
fsr-3296	117	23	al	al	PROPN
fsr-3296	117	24	.	.	PROPN
fsr-3296	117	25	,	,	PUNCT
fsr-3296	117	26	2011	2011	NUM
fsr-3296	117	27	;	;	PUNCT
fsr-3296	117	28	goodman	goodman	PROPN
fsr-3296	117	29	et	et	PROPN
fsr-3296	117	30	al	al	PROPN
fsr-3296	117	31	.	.	PROPN
fsr-3296	117	32	,	,	PUNCT
fsr-3296	117	33	2013	2013	NUM
fsr-3296	117	34	;	;	PUNCT
fsr-3296	117	35	mason	mason	PROPN
fsr-3296	117	36	&	&	CCONJ
fsr-3296	117	37	suri	suri	PROPN
fsr-3296	117	38	2012	2012	NUM
fsr-3296	117	39	)	)	PUNCT
fsr-3296	117	40	.	.	PUNCT
fsr-3296	118	1	participation	participation	NOUN
fsr-3296	118	2	was	be	AUX
fsr-3296	118	3	restricted	restrict	VERB
fsr-3296	118	4	to	to	ADP
fsr-3296	118	5	u.s	u.s	PROPN
fsr-3296	118	6	.	.	PROPN
fsr-3296	118	7	citizens	citizen	NOUN
fsr-3296	118	8	or	or	CCONJ
fsr-3296	118	9	permanent	permanent	ADJ
fsr-3296	118	10	residents	resident	NOUN
fsr-3296	118	11	who	who	PRON
fsr-3296	118	12	were	be	AUX
fsr-3296	118	13	at	at	ADP
fsr-3296	118	14	least	least	ADV
fsr-3296	118	15	18	18	NUM
fsr-3296	118	16	years	year	NOUN
fsr-3296	118	17	old	old	ADJ
fsr-3296	118	18	and	and	CCONJ
fsr-3296	118	19	declared	declare	VERB
fsr-3296	118	20	to	to	PART
fsr-3296	118	21	be	be	AUX
fsr-3296	118	22	one	one	NUM
fsr-3296	118	23	of	of	ADP
fsr-3296	118	24	the	the	DET
fsr-3296	118	25	primary	primary	ADJ
fsr-3296	118	26	financial	financial	ADJ
fsr-3296	118	27	decision	decision	NOUN
fsr-3296	118	28	makers	maker	NOUN
fsr-3296	118	29	in	in	ADP
fsr-3296	118	30	their	their	PRON
fsr-3296	118	31	household	household	NOUN
fsr-3296	118	32	to	to	PART
fsr-3296	118	33	ensure	ensure	VERB
fsr-3296	118	34	reliability	reliability	NOUN
fsr-3296	118	35	of	of	ADP
fsr-3296	118	36	responses	response	NOUN
fsr-3296	118	37	(	(	PUNCT
fsr-3296	118	38	see	see	INTJ
fsr-3296	118	39	campbell	campbell	PROPN
fsr-3296	118	40	,	,	PUNCT
fsr-3296	118	41	2006	2006	NUM
fsr-3296	118	42	and	and	CCONJ
fsr-3296	118	43	alhenawi	alhenawi	NOUN
fsr-3296	118	44	&	&	CCONJ
fsr-3296	118	45	elkhal	elkhal	PROPN
fsr-3296	118	46	,	,	PUNCT
fsr-3296	118	47	2013	2013	NUM
fsr-3296	118	48	)	)	PUNCT
fsr-3296	118	49	.	.	PUNCT
fsr-3296	119	1	upon	upon	SCONJ
fsr-3296	119	2	qualification	qualification	NOUN
fsr-3296	119	3	,	,	PUNCT
fsr-3296	119	4	participants	participant	NOUN
fsr-3296	119	5	responded	respond	VERB
fsr-3296	119	6	to	to	ADP
fsr-3296	119	7	four	four	NUM
fsr-3296	119	8	questions	question	NOUN
fsr-3296	119	9	that	that	PRON
fsr-3296	119	10	measured	measure	VERB
fsr-3296	119	11	enduring	enduring	ADJ
fsr-3296	119	12	involvement	involvement	NOUN
fsr-3296	119	13	in	in	ADP
fsr-3296	119	14	personal	personal	ADJ
fsr-3296	119	15	finance	finance	NOUN
fsr-3296	119	16	matters	matter	NOUN
fsr-3296	119	17	(	(	PUNCT
fsr-3296	119	18	bloch	bloch	NOUN
fsr-3296	119	19	,	,	PUNCT
fsr-3296	119	20	sherrell	sherrell	NOUN
fsr-3296	119	21	,	,	PUNCT
fsr-3296	119	22	&	&	CCONJ
fsr-3296	119	23	ridgway	ridgway	PROPN
fsr-3296	119	24	,	,	PUNCT
fsr-3296	119	25	1986	1986	NUM
fsr-3296	119	26	)	)	PUNCT
fsr-3296	119	27	followed	follow	VERB
fsr-3296	119	28	by	by	ADP
fsr-3296	119	29	questions	question	NOUN
fsr-3296	119	30	about	about	ADP
fsr-3296	119	31	attitude	attitude	NOUN
fsr-3296	119	32	toward	toward	ADP
fsr-3296	119	33	money	money	NOUN
fsr-3296	119	34	christopher	christopher	PROPN
fsr-3296	119	35	et	et	PROPN
fsr-3296	119	36	al	al	PROPN
fsr-3296	119	37	.	.	PROPN
fsr-3296	120	1	(	(	PUNCT
fsr-3296	120	2	2004	2004	NUM
fsr-3296	120	3	)	)	PUNCT
fsr-3296	120	4	and	and	CCONJ
fsr-3296	120	5	financial	financial	ADJ
fsr-3296	120	6	knowledge	knowledge	NOUN
fsr-3296	120	7	(	(	PUNCT
fsr-3296	120	8	knoll	knoll	NOUN
fsr-3296	120	9	&	&	CCONJ
fsr-3296	120	10	houts	hout	NOUN
fsr-3296	120	11	,	,	PUNCT
fsr-3296	120	12	2012	2012	NUM
fsr-3296	120	13	)	)	PUNCT
fsr-3296	120	14	.	.	PUNCT
fsr-3296	121	1	next	next	ADV
fsr-3296	121	2	,	,	PUNCT
fsr-3296	121	3	risk	risk	NOUN
fsr-3296	121	4	tolerance	tolerance	NOUN
fsr-3296	121	5	was	be	AUX
fsr-3296	121	6	measured	measure	VERB
fsr-3296	121	7	using	use	VERB
fsr-3296	121	8	items	item	NOUN
fsr-3296	121	9	from	from	ADP
fsr-3296	121	10	the	the	DET
fsr-3296	121	11	well	well	ADV
fsr-3296	121	12	-	-	PUNCT
fsr-3296	121	13	known	know	VERB
fsr-3296	121	14	investment	investment	NOUN
fsr-3296	121	15	risk	risk	NOUN
fsr-3296	121	16	tolerance	tolerance	NOUN
fsr-3296	121	17	quiz	quiz	NOUN
fsr-3296	121	18	(	(	PUNCT
fsr-3296	121	19	grable	grable	PROPN
fsr-3296	121	20	&	&	CCONJ
fsr-3296	121	21	lytton	lytton	PROPN
fsr-3296	121	22	,	,	PUNCT
fsr-3296	121	23	1999	1999	NUM
fsr-3296	121	24	)	)	PUNCT
fsr-3296	121	25	.	.	PUNCT
fsr-3296	122	1	this	this	DET
fsr-3296	122	2	quiz	quiz	NOUN
fsr-3296	122	3	is	be	AUX
fsr-3296	122	4	shown	show	VERB
fsr-3296	122	5	to	to	PART
fsr-3296	122	6	be	be	AUX
fsr-3296	122	7	a	a	DET
fsr-3296	122	8	reliable	reliable	ADJ
fsr-3296	122	9	and	and	CCONJ
fsr-3296	122	10	valid	valid	ADJ
fsr-3296	122	11	measure	measure	NOUN
fsr-3296	122	12	of	of	ADP
fsr-3296	122	13	risk	risk	NOUN
fsr-3296	122	14	tolerance	tolerance	NOUN
fsr-3296	122	15	(	(	PUNCT
fsr-3296	122	16	e.g.	e.g.	ADV
fsr-3296	122	17	,	,	PUNCT
fsr-3296	122	18	gilliam	gilliam	PROPN
fsr-3296	122	19	,	,	PUNCT
fsr-3296	122	20	chatterjee	chatterjee	PROPN
fsr-3296	122	21	,	,	PUNCT
fsr-3296	122	22	&	&	CCONJ
fsr-3296	122	23	grable	grable	PROPN
fsr-3296	122	24	,	,	PUNCT
fsr-3296	122	25	2010	2010	NUM
fsr-3296	122	26	;	;	PUNCT
fsr-3296	122	27	larkin	larkin	PROPN
fsr-3296	122	28	,	,	PUNCT
fsr-3296	122	29	lucey	lucey	PROPN
fsr-3296	122	30	,	,	PUNCT
fsr-3296	122	31	&	&	CCONJ
fsr-3296	122	32	mulholland	mulholland	PROPN
fsr-3296	122	33	,	,	PUNCT
fsr-3296	122	34	2013	2013	NUM
fsr-3296	122	35	)	)	PUNCT
fsr-3296	122	36	to	to	PART
fsr-3296	122	37	demonstrate	demonstrate	VERB
fsr-3296	122	38	the	the	DET
fsr-3296	122	39	maximum	maximum	ADJ
fsr-3296	122	40	amount	amount	NOUN
fsr-3296	122	41	of	of	ADP
fsr-3296	122	42	uncertainty	uncertainty	NOUN
fsr-3296	122	43	that	that	SCONJ
fsr-3296	122	44	individuals	individual	NOUN
fsr-3296	122	45	are	be	AUX
fsr-3296	122	46	willing	willing	ADJ
fsr-3296	122	47	to	to	PART
fsr-3296	122	48	accept	accept	VERB
fsr-3296	122	49	when	when	SCONJ
fsr-3296	122	50	making	make	VERB
fsr-3296	122	51	financial	financial	ADJ
fsr-3296	122	52	decisions	decision	NOUN
fsr-3296	122	53	(	(	PUNCT
fsr-3296	122	54	grable	grable	NOUN
fsr-3296	122	55	,	,	PUNCT
fsr-3296	122	56	2000	2000	NUM
fsr-3296	122	57	)	)	PUNCT
fsr-3296	122	58	.	.	PUNCT
fsr-3296	123	1	personality	personality	NOUN
fsr-3296	123	2	traits	trait	NOUN
fsr-3296	123	3	were	be	AUX
fsr-3296	123	4	measured	measure	VERB
fsr-3296	123	5	using	use	VERB
fsr-3296	123	6	measures	measure	NOUN
fsr-3296	123	7	from	from	ADP
fsr-3296	123	8	licata	licata	NOUN
fsr-3296	123	9	,	,	PUNCT
fsr-3296	123	10	mowen	mowen	NOUN
fsr-3296	123	11	,	,	PUNCT
fsr-3296	123	12	harris	harris	PROPN
fsr-3296	123	13	,	,	PUNCT
fsr-3296	123	14	and	and	CCONJ
fsr-3296	123	15	brown	brown	ADJ
fsr-3296	123	16	(	(	PUNCT
fsr-3296	123	17	2003	2003	NUM
fsr-3296	123	18	)	)	PUNCT
fsr-3296	123	19	that	that	PRON
fsr-3296	123	20	were	be	AUX
fsr-3296	123	21	first	first	ADV
fsr-3296	123	22	developed	develop	VERB
fsr-3296	123	23	by	by	ADP
fsr-3296	123	24	mowen	mowen	NOUN
fsr-3296	123	25	(	(	PUNCT
fsr-3296	123	26	2000	2000	NUM
fsr-3296	123	27	)	)	PUNCT
fsr-3296	123	28	.	.	PUNCT
fsr-3296	124	1	respondents	respondent	NOUN
fsr-3296	124	2	were	be	AUX
fsr-3296	124	3	presented	present	VERB
fsr-3296	124	4	with	with	ADP
fsr-3296	124	5	short	short	ADJ
fsr-3296	124	6	61a	61a	NOUN
fsr-3296	124	7	.	.	PUNCT
fsr-3296	125	1	yazdanparast	yazdanparast	NOUN
fsr-3296	125	2	,	,	PUNCT
fsr-3296	125	3	y.	y.	PROPN
fsr-3296	125	4	alhenawi	alhenawi	PROPN
fsr-3296	125	5	/	/	SYM
fsr-3296	125	6	financial	financial	ADJ
fsr-3296	125	7	services	service	NOUN
fsr-3296	125	8	review	review	VERB
fsr-3296	125	9	26	26	NUM
fsr-3296	125	10	(	(	PUNCT
fsr-3296	125	11	2017	2017	NUM
fsr-3296	125	12	)	)	PUNCT
fsr-3296	126	1	55–85	55–85	NUM
fsr-3296	126	2	phrases	phrase	NOUN
fsr-3296	126	3	and	and	CCONJ
fsr-3296	126	4	asked	ask	VERB
fsr-3296	126	5	“	"	PUNCT
fsr-3296	126	6	how	how	SCONJ
fsr-3296	126	7	often	often	ADV
fsr-3296	126	8	do	do	AUX
fsr-3296	126	9	you	you	PRON
fsr-3296	126	10	feel	feel	VERB
fsr-3296	126	11	/	/	SYM
fsr-3296	126	12	act	act	NOUN
fsr-3296	126	13	this	this	DET
fsr-3296	126	14	way	way	NOUN
fsr-3296	126	15	”	"	PUNCT
fsr-3296	126	16	(	(	PUNCT
fsr-3296	126	17	responses	response	NOUN
fsr-3296	126	18	were	be	AUX
fsr-3296	126	19	taken	take	VERB
fsr-3296	126	20	on	on	ADP
fsr-3296	126	21	5	5	NUM
fsr-3296	126	22	-	-	PUNCT
fsr-3296	126	23	point	point	NOUN
fsr-3296	126	24	scales	scale	NOUN
fsr-3296	126	25	anchored	anchor	VERB
fsr-3296	126	26	by	by	ADP
fsr-3296	126	27	1	1	NUM
fsr-3296	126	28	�	�	PROPN
fsr-3296	126	29	never	never	ADV
fsr-3296	126	30	to	to	ADP
fsr-3296	126	31	5	5	NUM
fsr-3296	126	32	�	�	PROPN
fsr-3296	126	33	always	always	ADV
fsr-3296	126	34	)	)	PUNCT
fsr-3296	126	35	.	.	PUNCT
fsr-3296	127	1	attitude	attitude	NOUN
fsr-3296	127	2	towards	towards	ADP
fsr-3296	127	3	planning	planning	NOUN
fsr-3296	127	4	was	be	AUX
fsr-3296	127	5	also	also	ADV
fsr-3296	127	6	measured	measure	VERB
fsr-3296	127	7	to	to	PART
fsr-3296	127	8	control	control	VERB
fsr-3296	127	9	for	for	ADP
fsr-3296	127	10	respondents	respondent	NOUN
fsr-3296	127	11	’	’	PART
fsr-3296	127	12	perceptions	perception	NOUN
fsr-3296	127	13	of	of	ADP
fsr-3296	127	14	financial	financial	ADJ
fsr-3296	127	15	planning	planning	NOUN
fsr-3296	127	16	(	(	PUNCT
fsr-3296	127	17	yamauchi	yamauchi	PROPN
fsr-3296	127	18	&	&	CCONJ
fsr-3296	127	19	templer	templer	PROPN
fsr-3296	127	20	,	,	PUNCT
fsr-3296	127	21	1982	1982	NUM
fsr-3296	127	22	)	)	PUNCT
fsr-3296	127	23	.	.	PUNCT
fsr-3296	128	1	borrowing	borrowing	NOUN
fsr-3296	128	2	behavior	behavior	NOUN
fsr-3296	128	3	was	be	AUX
fsr-3296	128	4	captured	capture	VERB
fsr-3296	128	5	using	use	VERB
fsr-3296	128	6	questions	question	NOUN
fsr-3296	128	7	from	from	ADP
fsr-3296	128	8	the	the	DET
fsr-3296	128	9	survey	survey	NOUN
fsr-3296	128	10	of	of	ADP
fsr-3296	128	11	consumer	consumer	NOUN
fsr-3296	128	12	finances	finance	NOUN
fsr-3296	128	13	(	(	PUNCT
fsr-3296	128	14	scf	scf	PROPN
fsr-3296	128	15	)	)	PUNCT
fsr-3296	128	16	administered	administer	VERB
fsr-3296	128	17	by	by	ADP
fsr-3296	128	18	the	the	DET
fsr-3296	128	19	federal	federal	PROPN
fsr-3296	128	20	reserve	reserve	PROPN
fsr-3296	128	21	—	—	PUNCT
fsr-3296	128	22	a	a	DET
fsr-3296	128	23	reliable	reliable	ADJ
fsr-3296	128	24	resource	resource	NOUN
fsr-3296	128	25	that	that	PRON
fsr-3296	128	26	is	be	AUX
fsr-3296	128	27	largely	largely	ADV
fsr-3296	128	28	overlooked	overlook	VERB
fsr-3296	128	29	in	in	ADP
fsr-3296	128	30	academic	academic	ADJ
fsr-3296	128	31	research	research	NOUN
fsr-3296	128	32	(	(	PUNCT
fsr-3296	128	33	campbell	campbell	PROPN
fsr-3296	128	34	,	,	PUNCT
fsr-3296	128	35	2006	2006	NUM
fsr-3296	128	36	)	)	PUNCT
fsr-3296	128	37	.	.	PUNCT
fsr-3296	129	1	this	this	DET
fsr-3296	129	2	instrument	instrument	NOUN
fsr-3296	129	3	does	do	AUX
fsr-3296	129	4	not	not	PART
fsr-3296	129	5	only	only	ADV
fsr-3296	129	6	gauge	gauge	VERB
fsr-3296	129	7	overall	overall	ADJ
fsr-3296	129	8	borrowing	borrowing	NOUN
fsr-3296	129	9	intentions	intention	NOUN
fsr-3296	129	10	,	,	PUNCT
fsr-3296	129	11	but	but	CCONJ
fsr-3296	129	12	also	also	ADV
fsr-3296	129	13	allows	allow	VERB
fsr-3296	129	14	for	for	ADP
fsr-3296	129	15	differential	differential	ADJ
fsr-3296	129	16	analyses	analysis	NOUN
fsr-3296	129	17	of	of	ADP
fsr-3296	129	18	several	several	ADJ
fsr-3296	129	19	types	type	NOUN
fsr-3296	129	20	of	of	ADP
fsr-3296	129	21	borrowing	borrowing	NOUN
fsr-3296	129	22	options	option	NOUN
fsr-3296	129	23	.	.	PUNCT
fsr-3296	130	1	the	the	DET
fsr-3296	130	2	scf	scf	PROPN
fsr-3296	130	3	identifies	identify	VERB
fsr-3296	130	4	eight	eight	NUM
fsr-3296	130	5	categories	category	NOUN
fsr-3296	130	6	of	of	ADP
fsr-3296	130	7	borrowing	borrowing	NOUN
fsr-3296	130	8	avenues	avenue	NOUN
fsr-3296	130	9	:	:	PUNCT
fsr-3296	130	10	credit	credit	NOUN
fsr-3296	130	11	cards	card	NOUN
fsr-3296	130	12	,	,	PUNCT
fsr-3296	130	13	mortgage	mortgage	NOUN
fsr-3296	130	14	,	,	PUNCT
fsr-3296	130	15	home	home	NOUN
fsr-3296	130	16	improvement	improvement	NOUN
fsr-3296	130	17	,	,	PUNCT
fsr-3296	130	18	business	business	NOUN
fsr-3296	130	19	loans	loan	NOUN
fsr-3296	130	20	,	,	PUNCT
fsr-3296	130	21	car	car	NOUN
fsr-3296	130	22	loans	loan	NOUN
fsr-3296	130	23	,	,	PUNCT
fsr-3296	130	24	student	student	NOUN
fsr-3296	130	25	loans	loan	NOUN
fsr-3296	130	26	,	,	PUNCT
fsr-3296	130	27	personal	personal	ADJ
fsr-3296	130	28	loans	loan	NOUN
fsr-3296	130	29	,	,	PUNCT
fsr-3296	130	30	and	and	CCONJ
fsr-3296	130	31	payday	payday	NOUN
fsr-3296	130	32	loans	loan	NOUN
fsr-3296	130	33	.	.	PUNCT
fsr-3296	131	1	attitude	attitude	NOUN
fsr-3296	131	2	toward	toward	ADP
fsr-3296	131	3	borrowing	borrowing	NOUN
fsr-3296	131	4	was	be	AUX
fsr-3296	131	5	measured	measure	VERB
fsr-3296	131	6	using	use	VERB
fsr-3296	131	7	seven	seven	NUM
fsr-3296	131	8	items	item	NOUN
fsr-3296	131	9	adapted	adapt	VERB
fsr-3296	131	10	from	from	ADP
fsr-3296	131	11	the	the	DET
fsr-3296	131	12	financial	financial	ADJ
fsr-3296	131	13	consumer	consumer	NOUN
fsr-3296	131	14	agency	agency	NOUN
fsr-3296	131	15	of	of	ADP
fsr-3296	131	16	canada	canada	PROPN
fsr-3296	131	17	.	.	PUNCT
fsr-3296	132	1	these	these	DET
fsr-3296	132	2	items	item	NOUN
fsr-3296	132	3	measure	measure	VERB
fsr-3296	132	4	individuals	individual	NOUN
fsr-3296	132	5	’	'	PUNCT
fsr-3296	132	6	overall	overall	ADJ
fsr-3296	132	7	views	view	NOUN
fsr-3296	132	8	about	about	ADP
fsr-3296	132	9	borrowing	borrowing	NOUN
fsr-3296	132	10	using	use	VERB
fsr-3296	132	11	the	the	DET
fsr-3296	132	12	5	5	NUM
fsr-3296	132	13	-	-	PUNCT
fsr-3296	132	14	point	point	NOUN
fsr-3296	132	15	likert	likert	ADJ
fsr-3296	132	16	scale	scale	NOUN
fsr-3296	132	17	(	(	PUNCT
fsr-3296	132	18	1	1	NUM
fsr-3296	132	19	�	�	PROPN
fsr-3296	132	20	strongly	strongly	ADV
fsr-3296	132	21	disagree	disagree	VERB
fsr-3296	132	22	;	;	PUNCT
fsr-3296	132	23	5	5	NUM
fsr-3296	132	24	�	�	NOUN
fsr-3296	132	25	strongly	strongly	ADV
fsr-3296	132	26	agree	agree	VERB
fsr-3296	132	27	)	)	PUNCT
fsr-3296	132	28	.	.	PUNCT
fsr-3296	133	1	the	the	DET
fsr-3296	133	2	last	last	ADJ
fsr-3296	133	3	sections	section	NOUN
fsr-3296	133	4	of	of	ADP
fsr-3296	133	5	the	the	DET
fsr-3296	133	6	questionnaire	questionnaire	NOUN
fsr-3296	133	7	contained	contain	VERB
fsr-3296	133	8	questions	question	NOUN
fsr-3296	133	9	related	relate	VERB
fsr-3296	133	10	to	to	ADP
fsr-3296	133	11	financial	financial	ADJ
fsr-3296	133	12	profile	profile	NOUN
fsr-3296	133	13	.	.	PUNCT
fsr-3296	134	1	previous	previous	ADJ
fsr-3296	134	2	research	research	NOUN
fsr-3296	134	3	has	have	AUX
fsr-3296	134	4	shown	show	VERB
fsr-3296	134	5	that	that	SCONJ
fsr-3296	134	6	financial	financial	ADJ
fsr-3296	134	7	profile	profile	NOUN
fsr-3296	134	8	measures	measure	NOUN
fsr-3296	134	9	are	be	AUX
fsr-3296	134	10	important	important	ADJ
fsr-3296	134	11	in	in	ADP
fsr-3296	134	12	the	the	DET
fsr-3296	134	13	study	study	NOUN
fsr-3296	134	14	of	of	ADP
fsr-3296	134	15	household	household	NOUN
fsr-3296	134	16	financial	financial	ADJ
fsr-3296	134	17	behavior	behavior	NOUN
fsr-3296	134	18	.	.	PUNCT
fsr-3296	135	1	for	for	ADP
fsr-3296	135	2	instance	instance	NOUN
fsr-3296	135	3	,	,	PUNCT
fsr-3296	135	4	johnson	johnson	PROPN
fsr-3296	135	5	and	and	CCONJ
fsr-3296	135	6	li	li	PROPN
fsr-3296	135	7	(	(	PUNCT
fsr-3296	135	8	2010	2010	NUM
fsr-3296	135	9	)	)	PUNCT
fsr-3296	135	10	found	find	VERB
fsr-3296	135	11	that	that	SCONJ
fsr-3296	135	12	a	a	DET
fsr-3296	135	13	household	household	NOUN
fsr-3296	135	14	with	with	ADP
fsr-3296	135	15	a	a	DET
fsr-3296	135	16	high	high	ADJ
fsr-3296	135	17	debt	debt	NOUN
fsr-3296	135	18	service	service	NOUN
fsr-3296	135	19	ratio	ratio	NOUN
fsr-3296	135	20	is	be	AUX
fsr-3296	135	21	significantly	significantly	ADV
fsr-3296	135	22	more	more	ADV
fsr-3296	135	23	likely	likely	ADJ
fsr-3296	135	24	to	to	PART
fsr-3296	135	25	be	be	AUX
fsr-3296	135	26	turned	turn	VERB
fsr-3296	135	27	down	down	ADP
fsr-3296	135	28	for	for	ADP
fsr-3296	135	29	credit	credit	NOUN
fsr-3296	135	30	than	than	ADP
fsr-3296	135	31	other	other	ADJ
fsr-3296	135	32	households	household	NOUN
fsr-3296	135	33	.	.	PUNCT
fsr-3296	136	1	similarly	similarly	ADV
fsr-3296	136	2	,	,	PUNCT
fsr-3296	136	3	the	the	DET
fsr-3296	136	4	work	work	NOUN
fsr-3296	136	5	of	of	ADP
fsr-3296	136	6	alhenawi	alhenawi	NOUN
fsr-3296	136	7	and	and	CCONJ
fsr-3296	136	8	elkhal	elkhal	VERB
fsr-3296	136	9	(	(	PUNCT
fsr-3296	136	10	2013	2013	NUM
fsr-3296	136	11	)	)	PUNCT
fsr-3296	136	12	indicated	indicate	VERB
fsr-3296	136	13	that	that	DET
fsr-3296	136	14	selfassessment	selfassessment	NOUN
fsr-3296	136	15	of	of	ADP
fsr-3296	136	16	one	one	NUM
fsr-3296	136	17	’s	’s	PART
fsr-3296	136	18	financial	financial	ADJ
fsr-3296	136	19	aptitude	aptitude	NOUN
fsr-3296	136	20	greatly	greatly	ADV
fsr-3296	136	21	influences	influence	VERB
fsr-3296	136	22	financial	financial	ADJ
fsr-3296	136	23	behavior	behavior	NOUN
fsr-3296	136	24	.	.	PUNCT
fsr-3296	137	1	accordingly	accordingly	ADV
fsr-3296	137	2	,	,	PUNCT
fsr-3296	137	3	financial	financial	ADJ
fsr-3296	137	4	profile	profile	NOUN
fsr-3296	137	5	questions	question	NOUN
fsr-3296	137	6	included	include	VERB
fsr-3296	137	7	questions	question	NOUN
fsr-3296	137	8	on	on	ADP
fsr-3296	137	9	major	major	ADJ
fsr-3296	137	10	events	event	NOUN
fsr-3296	137	11	with	with	ADP
fsr-3296	137	12	dramatic	dramatic	ADJ
fsr-3296	137	13	changes	change	NOUN
fsr-3296	137	14	on	on	ADP
fsr-3296	137	15	household	household	NOUN
fsr-3296	137	16	financial	financial	ADJ
fsr-3296	137	17	behavior	behavior	NOUN
fsr-3296	137	18	over	over	ADP
fsr-3296	137	19	that	that	DET
fsr-3296	137	20	past	past	ADJ
fsr-3296	137	21	two	two	NUM
fsr-3296	137	22	years,6	years,6	ADJ
fsr-3296	137	23	home	home	NOUN
fsr-3296	137	24	ownership	ownership	NOUN
fsr-3296	137	25	status	status	NOUN
fsr-3296	137	26	,	,	PUNCT
fsr-3296	137	27	credit	credit	NOUN
fsr-3296	137	28	score	score	NOUN
fsr-3296	137	29	category	category	NOUN
fsr-3296	137	30	,	,	PUNCT
fsr-3296	137	31	having	have	VERB
fsr-3296	137	32	or	or	CCONJ
fsr-3296	137	33	not	not	PART
fsr-3296	137	34	having	have	VERB
fsr-3296	137	35	a	a	DET
fsr-3296	137	36	professional	professional	ADJ
fsr-3296	137	37	financial	financial	ADJ
fsr-3296	137	38	planner	planner	NOUN
fsr-3296	137	39	,	,	PUNCT
fsr-3296	137	40	confidence	confidence	NOUN
fsr-3296	137	41	in	in	ADP
fsr-3296	137	42	making	make	VERB
fsr-3296	137	43	the	the	DET
fsr-3296	137	44	best	good	ADJ
fsr-3296	137	45	choices	choice	NOUN
fsr-3296	137	46	in	in	ADP
fsr-3296	137	47	managing	manage	VERB
fsr-3296	137	48	money	money	NOUN
fsr-3296	137	49	,	,	PUNCT
fsr-3296	137	50	and	and	CCONJ
fsr-3296	137	51	respondents	respondent	NOUN
fsr-3296	137	52	’	'	PUNCT
fsr-3296	137	53	description	description	NOUN
fsr-3296	137	54	of	of	ADP
fsr-3296	137	55	their	their	PRON
fsr-3296	137	56	financial	financial	ADJ
fsr-3296	137	57	situation	situation	NOUN
fsr-3296	137	58	(	(	PUNCT
fsr-3296	137	59	i.e.	i.e.	X
fsr-3296	137	60	,	,	PUNCT
fsr-3296	137	61	living	live	VERB
fsr-3296	137	62	comfortably	comfortably	ADV
fsr-3296	137	63	,	,	PUNCT
fsr-3296	137	64	meeting	meet	VERB
fsr-3296	137	65	basic	basic	ADJ
fsr-3296	137	66	expenses	expense	NOUN
fsr-3296	137	67	with	with	ADP
fsr-3296	137	68	a	a	DET
fsr-3296	137	69	little	little	ADJ
fsr-3296	137	70	left	leave	VERB
fsr-3296	137	71	over	over	ADP
fsr-3296	137	72	for	for	ADP
fsr-3296	137	73	extras	extra	NOUN
fsr-3296	137	74	,	,	PUNCT
fsr-3296	137	75	etc	etc	X
fsr-3296	137	76	.	.	X
fsr-3296	137	77	)	)	PUNCT
fsr-3296	137	78	.	.	PUNCT
fsr-3296	138	1	demographic	demographic	ADJ
fsr-3296	138	2	questions	question	NOUN
fsr-3296	138	3	included	include	VERB
fsr-3296	138	4	standard	standard	ADJ
fsr-3296	138	5	controls	control	NOUN
fsr-3296	138	6	such	such	ADJ
fsr-3296	138	7	as	as	ADP
fsr-3296	138	8	gender	gender	NOUN
fsr-3296	138	9	,	,	PUNCT
fsr-3296	138	10	age	age	NOUN
fsr-3296	138	11	,	,	PUNCT
fsr-3296	138	12	income	income	NOUN
fsr-3296	138	13	level	level	NOUN
fsr-3296	138	14	,	,	PUNCT
fsr-3296	138	15	marital	marital	ADJ
fsr-3296	138	16	status	status	NOUN
fsr-3296	138	17	,	,	PUNCT
fsr-3296	138	18	zip	zip	NOUN
fsr-3296	138	19	code	code	NOUN
fsr-3296	138	20	of	of	ADP
fsr-3296	138	21	the	the	DET
fsr-3296	138	22	residence	residence	NOUN
fsr-3296	138	23	,	,	PUNCT
fsr-3296	138	24	household	household	NOUN
fsr-3296	138	25	size	size	NOUN
fsr-3296	138	26	,	,	PUNCT
fsr-3296	138	27	ethnicity	ethnicity	NOUN
fsr-3296	138	28	,	,	PUNCT
fsr-3296	138	29	education	education	NOUN
fsr-3296	138	30	,	,	PUNCT
fsr-3296	138	31	and	and	CCONJ
fsr-3296	138	32	so	so	ADV
fsr-3296	138	33	forth	forth	ADV
fsr-3296	138	34	.	.	PUNCT
fsr-3296	139	1	3.2	3.2	NUM
fsr-3296	139	2	.	.	PUNCT
fsr-3296	140	1	sample	sample	NOUN
fsr-3296	140	2	overall	overall	ADV
fsr-3296	140	3	,	,	PUNCT
fsr-3296	140	4	we	we	PRON
fsr-3296	140	5	collected	collect	VERB
fsr-3296	140	6	1,000	1,000	NUM
fsr-3296	140	7	responses	response	NOUN
fsr-3296	140	8	,	,	PUNCT
fsr-3296	140	9	out	out	ADP
fsr-3296	140	10	of	of	ADP
fsr-3296	140	11	which	which	PRON
fsr-3296	140	12	849	849	NUM
fsr-3296	140	13	were	be	AUX
fsr-3296	140	14	used	use	VERB
fsr-3296	140	15	in	in	ADP
fsr-3296	140	16	the	the	DET
fsr-3296	140	17	analyses	analysis	NOUN
fsr-3296	140	18	after	after	ADP
fsr-3296	140	19	eliminating	eliminate	VERB
fsr-3296	140	20	respondents	respondent	NOUN
fsr-3296	140	21	who	who	PRON
fsr-3296	140	22	did	do	AUX
fsr-3296	140	23	not	not	PART
fsr-3296	140	24	have	have	VERB
fsr-3296	140	25	the	the	DET
fsr-3296	140	26	required	required	ADJ
fsr-3296	140	27	qualifications	qualification	NOUN
fsr-3296	140	28	,	,	PUNCT
fsr-3296	140	29	had	have	VERB
fsr-3296	140	30	incomplete	incomplete	ADJ
fsr-3296	140	31	responses	response	NOUN
fsr-3296	140	32	,	,	PUNCT
fsr-3296	140	33	or	or	CCONJ
fsr-3296	140	34	did	do	AUX
fsr-3296	140	35	not	not	PART
fsr-3296	140	36	pass	pass	VERB
fsr-3296	140	37	the	the	DET
fsr-3296	140	38	instructional	instructional	ADJ
fsr-3296	140	39	manipulation	manipulation	NOUN
fsr-3296	140	40	check	check	NOUN
fsr-3296	140	41	question	question	NOUN
fsr-3296	140	42	included	include	VERB
fsr-3296	140	43	to	to	PART
fsr-3296	140	44	gauge	gauge	VERB
fsr-3296	140	45	whether	whether	SCONJ
fsr-3296	140	46	participants	participant	NOUN
fsr-3296	140	47	paid	pay	VERB
fsr-3296	140	48	sufficient	sufficient	ADJ
fsr-3296	140	49	attention	attention	NOUN
fsr-3296	140	50	to	to	ADP
fsr-3296	140	51	the	the	DET
fsr-3296	140	52	instructions	instruction	NOUN
fsr-3296	140	53	(	(	PUNCT
fsr-3296	140	54	goodman	goodman	PROPN
fsr-3296	140	55	et	et	PROPN
fsr-3296	140	56	al	al	PROPN
fsr-3296	140	57	.	.	PROPN
fsr-3296	140	58	,	,	PUNCT
fsr-3296	140	59	2013	2013	NUM
fsr-3296	140	60	)	)	PUNCT
fsr-3296	140	61	.	.	PUNCT
fsr-3296	141	1	table	table	NOUN
fsr-3296	141	2	1	1	NUM
fsr-3296	141	3	provides	provide	VERB
fsr-3296	141	4	characteristics	characteristic	NOUN
fsr-3296	141	5	of	of	ADP
fsr-3296	141	6	the	the	DET
fsr-3296	141	7	sample	sample	NOUN
fsr-3296	141	8	.	.	PUNCT
fsr-3296	142	1	panel	panel	NOUN
fsr-3296	142	2	a	a	DET
fsr-3296	142	3	of	of	ADP
fsr-3296	142	4	table	table	NOUN
fsr-3296	142	5	1	1	NUM
fsr-3296	142	6	shows	show	VERB
fsr-3296	142	7	respondents	respondent	NOUN
fsr-3296	142	8	’	’	PART
fsr-3296	142	9	scores	score	NOUN
fsr-3296	142	10	on	on	ADP
fsr-3296	142	11	personality	personality	NOUN
fsr-3296	142	12	dimensions	dimension	NOUN
fsr-3296	142	13	.	.	PUNCT
fsr-3296	143	1	panel	panel	NOUN
fsr-3296	143	2	b	b	PROPN
fsr-3296	143	3	shows	show	VERB
fsr-3296	143	4	responses	response	NOUN
fsr-3296	143	5	to	to	ADP
fsr-3296	143	6	attitudinal	attitudinal	ADJ
fsr-3296	143	7	tests	test	NOUN
fsr-3296	143	8	,	,	PUNCT
fsr-3296	143	9	self	self	NOUN
fsr-3296	143	10	-	-	PUNCT
fsr-3296	143	11	assessments	assessment	NOUN
fsr-3296	143	12	,	,	PUNCT
fsr-3296	143	13	and	and	CCONJ
fsr-3296	143	14	other	other	ADJ
fsr-3296	143	15	personal	personal	ADJ
fsr-3296	143	16	factors	factor	NOUN
fsr-3296	143	17	quizzes	quiz	NOUN
fsr-3296	143	18	.	.	PUNCT
fsr-3296	144	1	respondents	respondent	NOUN
fsr-3296	144	2	were	be	AUX
fsr-3296	144	3	highly	highly	ADV
fsr-3296	144	4	involved	involve	VERB
fsr-3296	144	5	in	in	ADP
fsr-3296	144	6	personal	personal	ADJ
fsr-3296	144	7	finance	finance	NOUN
fsr-3296	144	8	matters	matter	NOUN
fsr-3296	144	9	,	,	PUNCT
fsr-3296	144	10	had	have	VERB
fsr-3296	144	11	relatively	relatively	ADV
fsr-3296	144	12	favorable	favorable	ADJ
fsr-3296	144	13	attitudes	attitude	NOUN
fsr-3296	144	14	toward	toward	ADP
fsr-3296	144	15	money	money	NOUN
fsr-3296	144	16	and	and	CCONJ
fsr-3296	144	17	financial	financial	ADJ
fsr-3296	144	18	planning	planning	NOUN
fsr-3296	144	19	(	(	PUNCT
fsr-3296	144	20	79	79	NUM
fsr-3296	144	21	%	%	NOUN
fsr-3296	144	22	)	)	PUNCT
fsr-3296	144	23	,	,	PUNCT
fsr-3296	144	24	and	and	CCONJ
fsr-3296	144	25	had	have	VERB
fsr-3296	144	26	an	an	DET
fsr-3296	144	27	average	average	ADJ
fsr-3296	144	28	attitude	attitude	NOUN
fsr-3296	144	29	toward	toward	ADP
fsr-3296	144	30	borrowing	borrowing	NOUN
fsr-3296	144	31	.	.	PUNCT
fsr-3296	145	1	the	the	DET
fsr-3296	145	2	average	average	ADJ
fsr-3296	145	3	percentage	percentage	NOUN
fsr-3296	145	4	score	score	NOUN
fsr-3296	145	5	on	on	ADP
fsr-3296	145	6	the	the	DET
fsr-3296	145	7	risk	risk	NOUN
fsr-3296	145	8	tolerance	tolerance	NOUN
fsr-3296	145	9	was	be	AUX
fsr-3296	145	10	49.40	49.40	NUM
fsr-3296	145	11	%	%	NOUN
fsr-3296	145	12	which	which	PRON
fsr-3296	145	13	is	be	AUX
fsr-3296	145	14	comparable	comparable	ADJ
fsr-3296	145	15	to	to	ADP
fsr-3296	145	16	other	other	ADJ
fsr-3296	145	17	u.s.-based	u.s.-based	ADJ
fsr-3296	145	18	studies	study	NOUN
fsr-3296	145	19	(	(	PUNCT
fsr-3296	145	20	e.g.	e.g.	ADV
fsr-3296	145	21	,	,	PUNCT
fsr-3296	145	22	ryack	ryack	NOUN
fsr-3296	145	23	,	,	PUNCT
fsr-3296	145	24	2011).8	2011).8	NUM
fsr-3296	145	25	the	the	DET
fsr-3296	145	26	mean	mean	ADJ
fsr-3296	145	27	percentage	percentage	NOUN
fsr-3296	145	28	score	score	NOUN
fsr-3296	145	29	on	on	ADP
fsr-3296	145	30	the	the	DET
fsr-3296	145	31	financial	financial	ADJ
fsr-3296	145	32	knowledge	knowledge	NOUN
fsr-3296	145	33	quiz	quiz	NOUN
fsr-3296	145	34	was	be	AUX
fsr-3296	145	35	59.57	59.57	NUM
fsr-3296	145	36	%	%	NOUN
fsr-3296	145	37	indicating	indicate	VERB
fsr-3296	145	38	an	an	DET
fsr-3296	145	39	overall	overall	ADJ
fsr-3296	145	40	deficiency	deficiency	NOUN
fsr-3296	145	41	in	in	ADP
fsr-3296	145	42	financial	financial	ADJ
fsr-3296	145	43	knowledge	knowledge	NOUN
fsr-3296	145	44	at	at	ADP
fsr-3296	145	45	the	the	DET
fsr-3296	145	46	household	household	NOUN
fsr-3296	145	47	level	level	NOUN
fsr-3296	145	48	which	which	PRON
fsr-3296	145	49	is	be	AUX
fsr-3296	145	50	consistent	consistent	ADJ
fsr-3296	145	51	with	with	ADP
fsr-3296	145	52	the	the	DET
fsr-3296	145	53	major	major	ADJ
fsr-3296	145	54	belief	belief	NOUN
fsr-3296	145	55	in	in	ADP
fsr-3296	145	56	the	the	DET
fsr-3296	145	57	literature	literature	NOUN
fsr-3296	145	58	(	(	PUNCT
fsr-3296	145	59	see	see	VERB
fsr-3296	145	60	,	,	PUNCT
fsr-3296	145	61	e.g.	e.g.	ADV
fsr-3296	145	62	,	,	PUNCT
fsr-3296	145	63	campbell	campbell	PROPN
fsr-3296	145	64	,	,	PUNCT
fsr-3296	145	65	2006	2006	NUM
fsr-3296	145	66	)	)	PUNCT
fsr-3296	145	67	.	.	PUNCT
fsr-3296	146	1	similarly	similarly	ADV
fsr-3296	146	2	,	,	PUNCT
fsr-3296	146	3	the	the	DET
fsr-3296	146	4	sample	sample	NOUN
fsr-3296	146	5	mean	mean	VERB
fsr-3296	146	6	on	on	ADP
fsr-3296	146	7	the	the	DET
fsr-3296	146	8	financial	financial	ADJ
fsr-3296	146	9	planning	planning	NOUN
fsr-3296	146	10	quiz	quiz	NOUN
fsr-3296	146	11	was	be	AUX
fsr-3296	146	12	60.13	60.13	NUM
fsr-3296	146	13	%	%	NOUN
fsr-3296	146	14	,	,	PUNCT
fsr-3296	146	15	indicating	indicate	VERB
fsr-3296	146	16	poor	poor	ADJ
fsr-3296	146	17	financial	financial	ADJ
fsr-3296	146	18	planning	planning	NOUN
fsr-3296	146	19	.	.	PUNCT
fsr-3296	147	1	this	this	PRON
fsr-3296	147	2	is	be	AUX
fsr-3296	147	3	in	in	ADP
fsr-3296	147	4	line	line	NOUN
fsr-3296	147	5	with	with	ADP
fsr-3296	147	6	previous	previous	ADJ
fsr-3296	147	7	research	research	NOUN
fsr-3296	147	8	findings	finding	NOUN
fsr-3296	147	9	(	(	PUNCT
fsr-3296	147	10	see	see	VERB
fsr-3296	147	11	,	,	PUNCT
fsr-3296	147	12	e.g.	e.g.	ADV
fsr-3296	147	13	,	,	PUNCT
fsr-3296	147	14	lusardi	lusardi	PROPN
fsr-3296	147	15	&	&	CCONJ
fsr-3296	147	16	mitchell	mitchell	PROPN
fsr-3296	147	17	,	,	PUNCT
fsr-3296	147	18	2008	2008	NUM
fsr-3296	147	19	)	)	PUNCT
fsr-3296	147	20	.	.	PUNCT
fsr-3296	148	1	62	62	NUM
fsr-3296	148	2	a.	a.	NOUN
fsr-3296	148	3	yazdanparast	yazdanparast	NOUN
fsr-3296	148	4	,	,	PUNCT
fsr-3296	148	5	y.	y.	PROPN
fsr-3296	148	6	alhenawi	alhenawi	PROPN
fsr-3296	148	7	/	/	SYM
fsr-3296	148	8	financial	financial	ADJ
fsr-3296	148	9	services	service	NOUN
fsr-3296	148	10	review	review	VERB
fsr-3296	148	11	26	26	NUM
fsr-3296	148	12	(	(	PUNCT
fsr-3296	148	13	2017	2017	NUM
fsr-3296	148	14	)	)	PUNCT
fsr-3296	148	15	55–85	55–85	NUM
fsr-3296	148	16	table	table	NOUN
fsr-3296	148	17	1	1	NUM
fsr-3296	148	18	sample	sample	NOUN
fsr-3296	148	19	characteristics	characteristic	NOUN
fsr-3296	148	20	cronbach	cronbach	NOUN
fsr-3296	148	21	’s	’s	PART
fsr-3296	148	22	�	�	PROPN
fsr-3296	148	23	min	min	PROPN
fsr-3296	148	24	max	max	PROPN
fsr-3296	148	25	mean	mean	PROPN
fsr-3296	148	26	dev	dev	PROPN
fsr-3296	148	27	.	.	PUNCT
fsr-3296	149	1	obs	obs	PROPN
fsr-3296	149	2	.	.	PUNCT
fsr-3296	150	1	%	%	PROPN
fsr-3296	150	2	panel	panel	NOUN
fsr-3296	150	3	a	a	DET
fsr-3296	150	4	:	:	PUNCT
fsr-3296	150	5	personality	personality	NOUN
fsr-3296	150	6	traits	trait	VERB
fsr-3296	150	7	introversion	introversion	NOUN
fsr-3296	150	8	.89	.89	NUM
fsr-3296	150	9	1.00	1.00	NUM
fsr-3296	150	10	5.00	5.00	NUM
fsr-3296	150	11	3.00	3.00	NUM
fsr-3296	150	12	0.94	0.94	NUM
fsr-3296	150	13	849	849	NUM
fsr-3296	150	14	materialism	materialism	NOUN
fsr-3296	150	15	.90	.90	NUM
fsr-3296	150	16	1.00	1.00	NUM
fsr-3296	150	17	5.00	5.00	NUM
fsr-3296	150	18	2.53	2.53	NUM
fsr-3296	150	19	0.93	0.93	NUM
fsr-3296	150	20	849	849	NUM
fsr-3296	150	21	openness	openness	NOUN
fsr-3296	150	22	.87	.87	NUM
fsr-3296	150	23	1.00	1.00	NUM
fsr-3296	150	24	5.00	5.00	NUM
fsr-3296	150	25	3.41	3.41	NUM
fsr-3296	150	26	0.80	0.80	NUM
fsr-3296	150	27	849	849	NUM
fsr-3296	150	28	neuroticism	neuroticism	NOUN
fsr-3296	150	29	.92	.92	NUM
fsr-3296	150	30	1.00	1.00	NUM
fsr-3296	150	31	5.00	5.00	NUM
fsr-3296	150	32	2.47	2.47	NUM
fsr-3296	150	33	0.96	0.96	NUM
fsr-3296	150	34	849	849	NUM
fsr-3296	150	35	agreeableness	agreeableness	NOUN
fsr-3296	150	36	.90	.90	NUM
fsr-3296	150	37	1.00	1.00	NUM
fsr-3296	150	38	5.00	5.00	NUM
fsr-3296	150	39	3.72	3.72	NUM
fsr-3296	150	40	0.71	0.71	NUM
fsr-3296	150	41	849	849	NUM
fsr-3296	150	42	conscientiousness	conscientiousness	NOUN
fsr-3296	150	43	.87	.87	NUM
fsr-3296	150	44	1.25	1.25	NUM
fsr-3296	150	45	5.00	5.00	NUM
fsr-3296	150	46	3.61	3.61	NUM
fsr-3296	150	47	0.78	0.78	NUM
fsr-3296	150	48	849	849	NUM
fsr-3296	150	49	need	need	NOUN
fsr-3296	150	50	for	for	ADP
fsr-3296	150	51	arousal	arousal	NOUN
fsr-3296	150	52	.88	.88	NUM
fsr-3296	150	53	1.00	1.00	NUM
fsr-3296	150	54	5.00	5.00	NUM
fsr-3296	150	55	2.52	2.52	NUM
fsr-3296	150	56	0.86	0.86	NUM
fsr-3296	150	57	849	849	NUM
fsr-3296	150	58	panel	panel	NOUN
fsr-3296	150	59	b	b	NOUN
fsr-3296	150	60	:	:	PUNCT
fsr-3296	150	61	attitudes	attitude	NOUN
fsr-3296	150	62	,	,	PUNCT
fsr-3296	150	63	self	self	NOUN
fsr-3296	150	64	-	-	PUNCT
fsr-3296	150	65	evaluations	evaluation	NOUN
fsr-3296	150	66	,	,	PUNCT
fsr-3296	150	67	and	and	CCONJ
fsr-3296	150	68	quiz	quiz	PROPN
fsr-3296	150	69	scores	score	VERB
fsr-3296	150	70	involvement	involvement	NOUN
fsr-3296	150	71	in	in	ADP
fsr-3296	150	72	personal	personal	ADJ
fsr-3296	150	73	finance	finance	NOUN
fsr-3296	150	74	.79	.79	NUM
fsr-3296	150	75	1.00	1.00	NUM
fsr-3296	150	76	5.00	5.00	NUM
fsr-3296	150	77	4.09	4.09	NUM
fsr-3296	150	78	0.76	0.76	NUM
fsr-3296	150	79	849	849	NUM
fsr-3296	150	80	attitude	attitude	NOUN
fsr-3296	150	81	towards	towards	ADP
fsr-3296	150	82	money	money	NOUN
fsr-3296	150	83	.60	.60	NUM
fsr-3296	150	84	3.00	3.00	NUM
fsr-3296	150	85	7.00	7.00	NUM
fsr-3296	150	86	4.91	4.91	NUM
fsr-3296	150	87	0.63	0.63	NUM
fsr-3296	150	88	849	849	NUM
fsr-3296	150	89	attitude	attitude	NOUN
fsr-3296	150	90	towards	towards	ADP
fsr-3296	150	91	financial	financial	ADJ
fsr-3296	150	92	planning	planning	NOUN
fsr-3296	150	93	.87	.87	NUM
fsr-3296	150	94	0.20	0.20	NUM
fsr-3296	150	95	1.00	1.00	NUM
fsr-3296	150	96	0.79	0.79	NUM
fsr-3296	150	97	0.13	0.13	NUM
fsr-3296	150	98	849	849	NUM
fsr-3296	150	99	attitude	attitude	NOUN
fsr-3296	150	100	towards	towards	ADP
fsr-3296	150	101	borrowing	borrow	VERB
fsr-3296	150	102	.73	.73	NUM
fsr-3296	150	103	0.20	0.20	NUM
fsr-3296	150	104	0.89	0.89	NUM
fsr-3296	150	105	0.45	0.45	NUM
fsr-3296	150	106	0.14	0.14	NUM
fsr-3296	150	107	849	849	NUM
fsr-3296	150	108	risk	risk	NOUN
fsr-3296	150	109	tolerance	tolerance	NOUN
fsr-3296	150	110	quiz	quiz	NOUN
fsr-3296	150	111	%	%	NOUN
fsr-3296	150	112	26.53	26.53	NUM
fsr-3296	150	113	%	%	NOUN
fsr-3296	150	114	81.63	81.63	NUM
fsr-3296	150	115	%	%	NOUN
fsr-3296	150	116	49.40	49.40	NUM
fsr-3296	150	117	%	%	NOUN
fsr-3296	150	118	9.99	9.99	NUM
fsr-3296	150	119	%	%	NOUN
fsr-3296	150	120	849	849	NUM
fsr-3296	150	121	financial	financial	ADJ
fsr-3296	150	122	knowledge	knowledge	NOUN
fsr-3296	150	123	quiz	quiz	NOUN
fsr-3296	151	1	%	%	NOUN
fsr-3296	151	2	0.00	0.00	NUM
fsr-3296	151	3	%	%	NOUN
fsr-3296	151	4	100.00	100.00	NUM
fsr-3296	151	5	%	%	NOUN
fsr-3296	151	6	59.57	59.57	NUM
fsr-3296	151	7	%	%	NOUN
fsr-3296	151	8	21.69	21.69	NUM
fsr-3296	151	9	%	%	NOUN
fsr-3296	151	10	849	849	NUM
fsr-3296	151	11	financial	financial	ADJ
fsr-3296	151	12	planning	planning	NOUN
fsr-3296	151	13	quiz	quiz	NOUN
fsr-3296	151	14	%	%	NOUN
fsr-3296	151	15	20.00	20.00	NUM
fsr-3296	151	16	%	%	NOUN
fsr-3296	151	17	100.00	100.00	NUM
fsr-3296	151	18	%	%	NOUN
fsr-3296	151	19	60.13	60.13	NUM
fsr-3296	151	20	%	%	NOUN
fsr-3296	151	21	17.74	17.74	NUM
fsr-3296	151	22	%	%	NOUN
fsr-3296	151	23	849	849	NUM
fsr-3296	151	24	self	self	NOUN
fsr-3296	151	25	-	-	PUNCT
fsr-3296	151	26	assessment	assessment	NOUN
fsr-3296	151	27	of	of	ADP
fsr-3296	151	28	financial	financial	ADJ
fsr-3296	151	29	situation	situation	NOUN
fsr-3296	151	30	do	do	AUX
fsr-3296	151	31	n’t	not	PART
fsr-3296	151	32	know	know	VERB
fsr-3296	151	33	6	6	NUM
fsr-3296	151	34	0.71	0.71	NUM
fsr-3296	151	35	%	%	NOUN
fsr-3296	151	36	comfortable	comfortable	ADJ
fsr-3296	151	37	142	142	NUM
fsr-3296	151	38	16.73	16.73	NUM
fsr-3296	151	39	%	%	NOUN
fsr-3296	151	40	make	make	VERB
fsr-3296	151	41	little	little	ADJ
fsr-3296	151	42	more	more	ADJ
fsr-3296	151	43	than	than	SCONJ
fsr-3296	151	44	needed	need	VERB
fsr-3296	151	45	366	366	NUM
fsr-3296	151	46	43.11	43.11	NUM
fsr-3296	151	47	%	%	NOUN
fsr-3296	151	48	make	make	VERB
fsr-3296	151	49	just	just	ADV
fsr-3296	151	50	enough	enough	ADJ
fsr-3296	151	51	249	249	NUM
fsr-3296	151	52	29.33	29.33	NUM
fsr-3296	151	53	%	%	NOUN
fsr-3296	151	54	make	make	VERB
fsr-3296	151	55	less	less	ADJ
fsr-3296	151	56	than	than	SCONJ
fsr-3296	151	57	needed	need	VERB
fsr-3296	151	58	86	86	NUM
fsr-3296	151	59	10.13	10.13	NUM
fsr-3296	151	60	%	%	NOUN
fsr-3296	151	61	confidence	confidence	NOUN
fsr-3296	151	62	in	in	ADP
fsr-3296	151	63	making	make	VERB
fsr-3296	151	64	financial	financial	ADJ
fsr-3296	151	65	decisions	decision	NOUN
fsr-3296	151	66	do	do	AUX
fsr-3296	151	67	n’t	not	PART
fsr-3296	151	68	know	know	VERB
fsr-3296	151	69	14	14	NUM
fsr-3296	151	70	1.65	1.65	NUM
fsr-3296	151	71	%	%	NOUN
fsr-3296	151	72	very	very	ADV
fsr-3296	151	73	111	111	NUM
fsr-3296	151	74	13.07	13.07	NUM
fsr-3296	151	75	%	%	NOUN
fsr-3296	151	76	somewhat	somewhat	ADV
fsr-3296	151	77	379	379	NUM
fsr-3296	151	78	44.64	44.64	NUM
fsr-3296	151	79	%	%	NOUN
fsr-3296	151	80	not	not	PART
fsr-3296	151	81	too	too	ADV
fsr-3296	151	82	much	much	ADJ
fsr-3296	151	83	226	226	NUM
fsr-3296	151	84	26.62	26.62	NUM
fsr-3296	151	85	%	%	NOUN
fsr-3296	151	86	not	not	PART
fsr-3296	151	87	confident	confident	ADJ
fsr-3296	151	88	at	at	ADP
fsr-3296	151	89	all	all	DET
fsr-3296	151	90	119	119	NUM
fsr-3296	151	91	14.02	14.02	NUM
fsr-3296	151	92	%	%	NOUN
fsr-3296	151	93	panel	panel	NOUN
fsr-3296	151	94	c	c	NOUN
fsr-3296	151	95	:	:	PUNCT
fsr-3296	151	96	borrowing	borrow	VERB
fsr-3296	151	97	behavior	behavior	NOUN
fsr-3296	151	98	have	have	VERB
fsr-3296	151	99	credit	credit	NOUN
fsr-3296	151	100	card	card	NOUN
fsr-3296	151	101	and	and	CCONJ
fsr-3296	151	102	pay	pay	VERB
fsr-3296	151	103	on	on	ADP
fsr-3296	151	104	time	time	NOUN
fsr-3296	151	105	361	361	NUM
fsr-3296	151	106	42.52	42.52	NUM
fsr-3296	151	107	%	%	NOUN
fsr-3296	151	108	have	have	VERB
fsr-3296	151	109	credit	credit	NOUN
fsr-3296	151	110	card	card	NOUN
fsr-3296	151	111	and	and	CCONJ
fsr-3296	151	112	carry	carry	VERB
fsr-3296	151	113	balance	balance	NOUN
fsr-3296	151	114	299	299	NUM
fsr-3296	151	115	35.22	35.22	NUM
fsr-3296	151	116	%	%	NOUN
fsr-3296	151	117	have	have	VERB
fsr-3296	151	118	mortgage	mortgage	NOUN
fsr-3296	151	119	account	account	VERB
fsr-3296	151	120	250	250	NUM
fsr-3296	151	121	29.45	29.45	NUM
fsr-3296	151	122	%	%	NOUN
fsr-3296	151	123	refinanced	refinance	VERB
fsr-3296	151	124	home	home	NOUN
fsr-3296	151	125	97	97	NUM
fsr-3296	151	126	11.43	11.43	NUM
fsr-3296	151	127	%	%	NOUN
fsr-3296	151	128	obtained	obtain	VERB
fsr-3296	151	129	home	home	NOUN
fsr-3296	151	130	-	-	PUNCT
fsr-3296	151	131	equity	equity	NOUN
fsr-3296	151	132	loan	loan	NOUN
fsr-3296	151	133	41	41	NUM
fsr-3296	151	134	4.83	4.83	NUM
fsr-3296	151	135	%	%	NOUN
fsr-3296	151	136	obtained	obtain	VERB
fsr-3296	151	137	home	home	NOUN
fsr-3296	151	138	-	-	PUNCT
fsr-3296	151	139	improvement	improvement	NOUN
fsr-3296	151	140	loan	loan	NOUN
fsr-3296	151	141	33	33	NUM
fsr-3296	151	142	3.89	3.89	NUM
fsr-3296	151	143	%	%	NOUN
fsr-3296	151	144	have	have	VERB
fsr-3296	151	145	business	business	NOUN
fsr-3296	151	146	loan	loan	NOUN
fsr-3296	151	147	14	14	NUM
fsr-3296	151	148	1.65	1.65	NUM
fsr-3296	151	149	%	%	NOUN
fsr-3296	151	150	have	have	VERB
fsr-3296	151	151	car	car	NOUN
fsr-3296	151	152	loan	loan	NOUN
fsr-3296	151	153	261	261	NUM
fsr-3296	151	154	30.74	30.74	NUM
fsr-3296	151	155	%	%	NOUN
fsr-3296	151	156	have	have	VERB
fsr-3296	151	157	student	student	NOUN
fsr-3296	151	158	loan	loan	NOUN
fsr-3296	151	159	342	342	NUM
fsr-3296	151	160	40.28	40.28	NUM
fsr-3296	151	161	%	%	NOUN
fsr-3296	151	162	have	have	VERB
fsr-3296	151	163	personal	personal	ADJ
fsr-3296	151	164	loan	loan	NOUN
fsr-3296	151	165	139	139	NUM
fsr-3296	151	166	16.37	16.37	NUM
fsr-3296	151	167	%	%	NOUN
fsr-3296	151	168	have	have	VERB
fsr-3296	151	169	pay	pay	NOUN
fsr-3296	151	170	-	-	PUNCT
fsr-3296	151	171	day	day	NOUN
fsr-3296	151	172	loan	loan	NOUN
fsr-3296	151	173	21	21	NUM
fsr-3296	151	174	2.47	2.47	NUM
fsr-3296	151	175	%	%	NOUN
fsr-3296	151	176	applied	apply	VERB
fsr-3296	151	177	for	for	ADP
fsr-3296	151	178	credit	credit	NOUN
fsr-3296	151	179	in	in	ADP
fsr-3296	151	180	past	past	ADJ
fsr-3296	151	181	five	five	NUM
fsr-3296	151	182	years	year	NOUN
fsr-3296	151	183	454	454	NUM
fsr-3296	151	184	53.47	53.47	NUM
fsr-3296	151	185	%	%	NOUN
fsr-3296	151	186	filed	file	VERB
fsr-3296	151	187	for	for	ADP
fsr-3296	151	188	bankruptcy	bankruptcy	NOUN
fsr-3296	151	189	67	67	NUM
fsr-3296	151	190	7.89	7.89	NUM
fsr-3296	151	191	%	%	NOUN
fsr-3296	151	192	make	make	VERB
fsr-3296	151	193	payments	payment	NOUN
fsr-3296	151	194	on	on	ADP
fsr-3296	151	195	time	time	NOUN
fsr-3296	151	196	631	631	NUM
fsr-3296	151	197	74.32	74.32	NUM
fsr-3296	151	198	%	%	NOUN
fsr-3296	151	199	likely	likely	ADJ
fsr-3296	151	200	to	to	PART
fsr-3296	151	201	default	default	VERB
fsr-3296	151	202	in	in	ADP
fsr-3296	151	203	the	the	DET
fsr-3296	151	204	future	future	NOUN
fsr-3296	151	205	56	56	NUM
fsr-3296	151	206	6.60	6.60	NUM
fsr-3296	151	207	%	%	NOUN
fsr-3296	151	208	likely	likely	ADJ
fsr-3296	151	209	to	to	PART
fsr-3296	151	210	file	file	VERB
fsr-3296	151	211	bankruptcy	bankruptcy	NOUN
fsr-3296	151	212	in	in	ADP
fsr-3296	151	213	the	the	DET
fsr-3296	151	214	future	future	ADJ
fsr-3296	151	215	35	35	NUM
fsr-3296	151	216	4.12	4.12	NUM
fsr-3296	151	217	%	%	NOUN
fsr-3296	151	218	panel	panel	NOUN
fsr-3296	151	219	d	d	NOUN
fsr-3296	151	220	:	:	PUNCT
fsr-3296	151	221	borrowing	borrowing	NOUN
fsr-3296	151	222	intentions	intention	NOUN
fsr-3296	151	223	credit	credit	NOUN
fsr-3296	151	224	card	card	NOUN
fsr-3296	151	225	1.00	1.00	NUM
fsr-3296	151	226	5.00	5.00	NUM
fsr-3296	151	227	2.18	2.18	NUM
fsr-3296	151	228	1.30	1.30	NUM
fsr-3296	151	229	849	849	NUM
fsr-3296	151	230	mortgage	mortgage	NOUN
fsr-3296	151	231	1.00	1.00	NUM
fsr-3296	151	232	5.00	5.00	NUM
fsr-3296	151	233	2.05	2.05	NUM
fsr-3296	151	234	1.29	1.29	NUM
fsr-3296	151	235	849	849	NUM
fsr-3296	151	236	home	home	NOUN
fsr-3296	151	237	improvement	improvement	NOUN
fsr-3296	151	238	loan	loan	NOUN
fsr-3296	151	239	1.00	1.00	NUM
fsr-3296	151	240	5.00	5.00	NUM
fsr-3296	151	241	1.60	1.60	NUM
fsr-3296	151	242	0.94	0.94	NUM
fsr-3296	151	243	849	849	NUM
fsr-3296	151	244	business	business	NOUN
fsr-3296	151	245	loan	loan	NOUN
fsr-3296	151	246	1.00	1.00	NUM
fsr-3296	151	247	5.00	5.00	NUM
fsr-3296	151	248	1.58	1.58	NUM
fsr-3296	151	249	0.95	0.95	NUM
fsr-3296	151	250	849	849	NUM
fsr-3296	151	251	car	car	NOUN
fsr-3296	151	252	loan	loan	NOUN
fsr-3296	151	253	1.00	1.00	NUM
fsr-3296	151	254	5.00	5.00	NUM
fsr-3296	151	255	2.45	2.45	NUM
fsr-3296	151	256	1.32	1.32	NUM
fsr-3296	151	257	849	849	NUM
fsr-3296	151	258	student	student	NOUN
fsr-3296	151	259	loan	loan	NOUN
fsr-3296	151	260	1.00	1.00	NUM
fsr-3296	151	261	5.00	5.00	NUM
fsr-3296	151	262	1.81	1.81	NUM
fsr-3296	151	263	1.25	1.25	NUM
fsr-3296	151	264	849	849	NUM
fsr-3296	151	265	personal	personal	ADJ
fsr-3296	151	266	loan	loan	NOUN
fsr-3296	151	267	1.00	1.00	NUM
fsr-3296	151	268	5.00	5.00	NUM
fsr-3296	151	269	1.59	1.59	NUM
fsr-3296	151	270	0.96	0.96	NUM
fsr-3296	151	271	849	849	NUM
fsr-3296	151	272	payday	payday	NOUN
fsr-3296	151	273	loan	loan	NOUN
fsr-3296	151	274	1.00	1.00	NUM
fsr-3296	151	275	5.00	5.00	NUM
fsr-3296	151	276	1.30	1.30	NUM
fsr-3296	151	277	0.75	0.75	NUM
fsr-3296	151	278	849	849	NUM
fsr-3296	151	279	panel	panel	NOUN
fsr-3296	151	280	e	e	NOUN
fsr-3296	151	281	:	:	PUNCT
fsr-3296	151	282	household	household	NOUN
fsr-3296	151	283	financial	financial	ADJ
fsr-3296	151	284	profile	profile	NOUN
fsr-3296	151	285	dramatic	dramatic	ADJ
fsr-3296	151	286	event	event	NOUN
fsr-3296	151	287	last	last	ADJ
fsr-3296	151	288	2	2	NUM
fsr-3296	151	289	years	year	NOUN
fsr-3296	151	290	?	?	PUNCT
fsr-3296	152	1	yes	yes	INTJ
fsr-3296	152	2	/	/	SYM
fsr-3296	152	3	no	no	DET
fsr-3296	152	4	326	326	NUM
fsr-3296	152	5	38.40	38.40	NUM
fsr-3296	152	6	%	%	NOUN
fsr-3296	152	7	own	own	ADJ
fsr-3296	152	8	house	house	NOUN
fsr-3296	152	9	412	412	NUM
fsr-3296	152	10	48.53	48.53	NUM
fsr-3296	152	11	%	%	NOUN
fsr-3296	152	12	income	income	NOUN
fsr-3296	152	13	income	income	NOUN
fsr-3296	152	14	category	category	NOUN
fsr-3296	152	15	1	1	NUM
fsr-3296	152	16	10	10	NUM
fsr-3296	152	17	1.18	1.18	NUM
fsr-3296	152	18	%	%	NOUN
fsr-3296	152	19	income	income	NOUN
fsr-3296	152	20	category	category	NOUN
fsr-3296	152	21	2	2	NUM
fsr-3296	152	22	56	56	NUM
fsr-3296	152	23	6.60	6.60	NUM
fsr-3296	152	24	%	%	NOUN
fsr-3296	152	25	income	income	NOUN
fsr-3296	152	26	category	category	NOUN
fsr-3296	152	27	3	3	NUM
fsr-3296	152	28	197	197	NUM
fsr-3296	152	29	23.20	23.20	NUM
fsr-3296	152	30	%	%	NOUN
fsr-3296	152	31	income	income	NOUN
fsr-3296	152	32	category	category	NOUN
fsr-3296	152	33	4	4	NUM
fsr-3296	152	34	228	228	NUM
fsr-3296	152	35	26.86	26.86	NUM
fsr-3296	152	36	%	%	NOUN
fsr-3296	152	37	income	income	NOUN
fsr-3296	152	38	category	category	NOUN
fsr-3296	152	39	5	5	NUM
fsr-3296	152	40	135	135	NUM
fsr-3296	152	41	15.90	15.90	NUM
fsr-3296	152	42	%	%	NOUN
fsr-3296	152	43	income	income	NOUN
fsr-3296	152	44	category	category	NOUN
fsr-3296	152	45	6	6	NUM
fsr-3296	152	46	108	108	NUM
fsr-3296	152	47	12.72	12.72	NUM
fsr-3296	152	48	%	%	NOUN
fsr-3296	152	49	(	(	PUNCT
fsr-3296	152	50	continued	continue	VERB
fsr-3296	152	51	on	on	ADP
fsr-3296	152	52	next	next	ADJ
fsr-3296	152	53	page	page	NOUN
fsr-3296	152	54	)	)	PUNCT
fsr-3296	152	55	63a	63a	NUM
fsr-3296	152	56	.	.	PUNCT
fsr-3296	153	1	yazdanparast	yazdanparast	NOUN
fsr-3296	153	2	,	,	PUNCT
fsr-3296	153	3	y.	y.	PROPN
fsr-3296	153	4	alhenawi	alhenawi	PROPN
fsr-3296	153	5	/	/	SYM
fsr-3296	153	6	financial	financial	ADJ
fsr-3296	153	7	services	service	NOUN
fsr-3296	153	8	review	review	VERB
fsr-3296	153	9	26	26	NUM
fsr-3296	153	10	(	(	PUNCT
fsr-3296	153	11	2017	2017	NUM
fsr-3296	153	12	)	)	PUNCT
fsr-3296	153	13	55–85	55–85	NUM
fsr-3296	154	1	the	the	DET
fsr-3296	154	2	last	last	ADJ
fsr-3296	154	3	two	two	NUM
fsr-3296	154	4	parts	part	NOUN
fsr-3296	154	5	of	of	ADP
fsr-3296	154	6	panel	panel	NOUN
fsr-3296	154	7	b	b	PROPN
fsr-3296	154	8	list	list	NOUN
fsr-3296	154	9	respondents	respondent	NOUN
fsr-3296	154	10	’	’	PART
fsr-3296	154	11	self	self	NOUN
fsr-3296	154	12	-	-	PUNCT
fsr-3296	154	13	evaluations	evaluation	NOUN
fsr-3296	154	14	of	of	ADP
fsr-3296	154	15	their	their	PRON
fsr-3296	154	16	financial	financial	ADJ
fsr-3296	154	17	situation	situation	NOUN
fsr-3296	154	18	and	and	CCONJ
fsr-3296	154	19	ability	ability	NOUN
fsr-3296	154	20	to	to	PART
fsr-3296	154	21	make	make	VERB
fsr-3296	154	22	financial	financial	ADJ
fsr-3296	154	23	decisions	decision	NOUN
fsr-3296	154	24	(	(	PUNCT
fsr-3296	154	25	adapted	adapt	VERB
fsr-3296	154	26	from	from	ADP
fsr-3296	154	27	a	a	DET
fsr-3296	154	28	survey	survey	NOUN
fsr-3296	154	29	used	use	VERB
fsr-3296	154	30	by	by	ADP
fsr-3296	154	31	the	the	DET
fsr-3296	154	32	consumer	consumer	PROPN
fsr-3296	154	33	federation	federation	PROPN
fsr-3296	154	34	of	of	ADP
fsr-3296	154	35	america	america	PROPN
fsr-3296	154	36	(	(	PUNCT
fsr-3296	154	37	2013	2013	NUM
fsr-3296	154	38	)	)	PUNCT
fsr-3296	154	39	.	.	PUNCT
fsr-3296	155	1	an	an	DET
fsr-3296	155	2	interestingly	interestingly	ADV
fsr-3296	155	3	find	find	NOUN
fsr-3296	155	4	was	be	AUX
fsr-3296	155	5	that	that	SCONJ
fsr-3296	155	6	57.73	57.73	NUM
fsr-3296	155	7	%	%	NOUN
fsr-3296	155	8	(	(	PUNCT
fsr-3296	155	9	13.07	13.07	NUM
fsr-3296	155	10	%	%	NOUN
fsr-3296	155	11	�	�	PROPN
fsr-3296	155	12	44.64	44.64	NUM
fsr-3296	155	13	%	%	NOUN
fsr-3296	155	14	)	)	PUNCT
fsr-3296	155	15	of	of	ADP
fsr-3296	155	16	participants	participant	NOUN
fsr-3296	155	17	had	have	VERB
fsr-3296	155	18	average	average	ADJ
fsr-3296	155	19	to	to	ADP
fsr-3296	155	20	high	high	ADJ
fsr-3296	155	21	confidence	confidence	NOUN
fsr-3296	155	22	in	in	ADP
fsr-3296	155	23	their	their	PRON
fsr-3296	155	24	ability	ability	NOUN
fsr-3296	155	25	to	to	PART
fsr-3296	155	26	make	make	VERB
fsr-3296	155	27	financial	financial	ADJ
fsr-3296	155	28	decisions	decision	NOUN
fsr-3296	155	29	while	while	SCONJ
fsr-3296	155	30	table	table	NOUN
fsr-3296	155	31	1	1	NUM
fsr-3296	155	32	(	(	PUNCT
fsr-3296	155	33	continued	continue	VERB
fsr-3296	155	34	)	)	PUNCT
fsr-3296	155	35	cronbach	cronbach	PROPN
fsr-3296	155	36	’s	’s	PART
fsr-3296	155	37	�	�	PROPN
fsr-3296	155	38	min	min	PROPN
fsr-3296	155	39	max	max	PROPN
fsr-3296	155	40	mean	mean	PROPN
fsr-3296	155	41	dev	dev	PROPN
fsr-3296	155	42	.	.	PUNCT
fsr-3296	156	1	obs	obs	PROPN
fsr-3296	156	2	.	.	PUNCT
fsr-3296	157	1	%	%	NOUN
fsr-3296	157	2	income	income	NOUN
fsr-3296	157	3	category	category	NOUN
fsr-3296	157	4	7	7	NUM
fsr-3296	157	5	60	60	NUM
fsr-3296	157	6	7.07	7.07	NUM
fsr-3296	157	7	%	%	NOUN
fsr-3296	157	8	income	income	NOUN
fsr-3296	157	9	category	category	NOUN
fsr-3296	157	10	8	8	NUM
fsr-3296	157	11	38	38	NUM
fsr-3296	157	12	4.48	4.48	NUM
fsr-3296	157	13	%	%	NOUN
fsr-3296	157	14	income	income	NOUN
fsr-3296	157	15	category	category	NOUN
fsr-3296	157	16	9	9	NUM
fsr-3296	157	17	6	6	NUM
fsr-3296	157	18	0.71	0.71	NUM
fsr-3296	157	19	%	%	NOUN
fsr-3296	157	20	income	income	NOUN
fsr-3296	157	21	category	category	NOUN
fsr-3296	157	22	10	10	NUM
fsr-3296	157	23	11	11	NUM
fsr-3296	157	24	1.30	1.30	NUM
fsr-3296	157	25	%	%	NOUN
fsr-3296	157	26	credit	credit	NOUN
fsr-3296	157	27	score	score	NOUN
fsr-3296	157	28	do	do	AUX
fsr-3296	157	29	n’t	not	PART
fsr-3296	157	30	know	know	VERB
fsr-3296	157	31	139	139	NUM
fsr-3296	157	32	16.37	16.37	NUM
fsr-3296	157	33	%	%	NOUN
fsr-3296	157	34	poor	poor	ADJ
fsr-3296	157	35	130	130	NUM
fsr-3296	157	36	15.31	15.31	NUM
fsr-3296	157	37	%	%	NOUN
fsr-3296	157	38	fair	fair	ADJ
fsr-3296	157	39	261	261	NUM
fsr-3296	157	40	30.74	30.74	NUM
fsr-3296	157	41	%	%	NOUN
fsr-3296	157	42	good	good	ADJ
fsr-3296	157	43	319	319	NUM
fsr-3296	157	44	37.57	37.57	NUM
fsr-3296	157	45	%	%	NOUN
fsr-3296	157	46	panel	panel	NOUN
fsr-3296	157	47	f	f	NOUN
fsr-3296	157	48	:	:	PUNCT
fsr-3296	157	49	demographics	demographic	NOUN
fsr-3296	157	50	age	age	NOUN
fsr-3296	157	51	18.00	18.00	NUM
fsr-3296	157	52	82.00	82.00	NUM
fsr-3296	157	53	34.04	34.04	NUM
fsr-3296	157	54	11.51	11.51	NUM
fsr-3296	157	55	849	849	NUM
fsr-3296	157	56	100.00	100.00	NUM
fsr-3296	157	57	%	%	NOUN
fsr-3296	157	58	gender	gender	NOUN
fsr-3296	157	59	0.00	0.00	NUM
fsr-3296	157	60	1.00	1.00	NUM
fsr-3296	157	61	0.45	0.45	NUM
fsr-3296	157	62	0.50	0.50	NUM
fsr-3296	157	63	849	849	NUM
fsr-3296	157	64	100.00	100.00	NUM
fsr-3296	157	65	%	%	NOUN
fsr-3296	157	66	family	family	NOUN
fsr-3296	157	67	size	size	NOUN
fsr-3296	157	68	1.00	1.00	NUM
fsr-3296	157	69	6.00	6.00	NUM
fsr-3296	157	70	2.55	2.55	NUM
fsr-3296	157	71	1.27	1.27	NUM
fsr-3296	157	72	849	849	NUM
fsr-3296	157	73	100.00	100.00	NUM
fsr-3296	157	74	%	%	NOUN
fsr-3296	157	75	financial	financial	ADJ
fsr-3296	157	76	education	education	NOUN
fsr-3296	157	77	157	157	NUM
fsr-3296	157	78	18.49	18.49	NUM
fsr-3296	157	79	%	%	NOUN
fsr-3296	157	80	working	work	VERB
fsr-3296	157	81	in	in	ADP
fsr-3296	157	82	the	the	DET
fsr-3296	157	83	financial	financial	ADJ
fsr-3296	157	84	sector	sector	NOUN
fsr-3296	157	85	85	85	NUM
fsr-3296	157	86	10.01	10.01	NUM
fsr-3296	157	87	%	%	NOUN
fsr-3296	157	88	marital	marital	ADJ
fsr-3296	157	89	status	status	NOUN
fsr-3296	157	90	married	marry	VERB
fsr-3296	157	91	280	280	NUM
fsr-3296	157	92	32.98	32.98	NUM
fsr-3296	157	93	%	%	NOUN
fsr-3296	157	94	single	single	ADJ
fsr-3296	157	95	350	350	NUM
fsr-3296	157	96	41.22	41.22	NUM
fsr-3296	157	97	%	%	NOUN
fsr-3296	157	98	divorced	divorce	VERB
fsr-3296	157	99	56	56	NUM
fsr-3296	157	100	6.60	6.60	NUM
fsr-3296	157	101	%	%	NOUN
fsr-3296	157	102	widowed	widow	VERB
fsr-3296	157	103	6	6	NUM
fsr-3296	157	104	0.71	0.71	NUM
fsr-3296	157	105	%	%	NOUN
fsr-3296	157	106	live	live	ADV
fsr-3296	157	107	with	with	ADP
fsr-3296	157	108	partner	partner	NOUN
fsr-3296	157	109	157	157	NUM
fsr-3296	157	110	18.49	18.49	NUM
fsr-3296	157	111	%	%	NOUN
fsr-3296	157	112	ethnicity	ethnicity	NOUN
fsr-3296	157	113	white	white	ADJ
fsr-3296	157	114	652	652	NUM
fsr-3296	157	115	76.80	76.80	NUM
fsr-3296	157	116	%	%	NOUN
fsr-3296	157	117	african	african	ADJ
fsr-3296	157	118	american	american	PROPN
fsr-3296	157	119	65	65	NUM
fsr-3296	157	120	7.66	7.66	NUM
fsr-3296	157	121	%	%	NOUN
fsr-3296	157	122	hispanic	hispanic	NOUN
fsr-3296	157	123	49	49	NUM
fsr-3296	157	124	5.77	5.77	NUM
fsr-3296	157	125	%	%	NOUN
fsr-3296	157	126	american	american	PROPN
fsr-3296	157	127	indian	indian	PROPN
fsr-3296	158	1	5	5	NUM
fsr-3296	158	2	0.59	0.59	NUM
fsr-3296	158	3	%	%	NOUN
fsr-3296	158	4	asian	asian	ADJ
fsr-3296	158	5	58	58	NUM
fsr-3296	158	6	6.83	6.83	NUM
fsr-3296	158	7	%	%	NOUN
fsr-3296	158	8	other	other	ADJ
fsr-3296	158	9	9	9	NUM
fsr-3296	158	10	1.06	1.06	NUM
fsr-3296	158	11	%	%	NOUN
fsr-3296	158	12	prefer	prefer	VERB
fsr-3296	158	13	not	not	PART
fsr-3296	158	14	to	to	PART
fsr-3296	158	15	answer	answer	VERB
fsr-3296	158	16	11	11	NUM
fsr-3296	158	17	1.30	1.30	NUM
fsr-3296	158	18	%	%	NOUN
fsr-3296	158	19	education	education	NOUN
fsr-3296	158	20	less	less	ADJ
fsr-3296	158	21	than	than	ADP
fsr-3296	158	22	high	high	ADJ
fsr-3296	158	23	school	school	NOUN
fsr-3296	158	24	4	4	NUM
fsr-3296	158	25	0.47	0.47	NUM
fsr-3296	158	26	%	%	NOUN
fsr-3296	158	27	high	high	ADJ
fsr-3296	158	28	school	school	NOUN
fsr-3296	158	29	105	105	NUM
fsr-3296	158	30	12.37	12.37	NUM
fsr-3296	158	31	%	%	NOUN
fsr-3296	158	32	some	some	DET
fsr-3296	158	33	college	college	NOUN
fsr-3296	158	34	239	239	NUM
fsr-3296	158	35	28.15	28.15	NUM
fsr-3296	158	36	%	%	NOUN
fsr-3296	158	37	associate	associate	NOUN
fsr-3296	158	38	degree	degree	NOUN
fsr-3296	158	39	81	81	NUM
fsr-3296	158	40	9.54	9.54	NUM
fsr-3296	158	41	%	%	NOUN
fsr-3296	158	42	bachelor	bachelor	NOUN
fsr-3296	158	43	degree	degree	NOUN
fsr-3296	158	44	314	314	NUM
fsr-3296	158	45	36.98	36.98	NUM
fsr-3296	158	46	%	%	NOUN
fsr-3296	158	47	masters	master	NOUN
fsr-3296	158	48	86	86	NUM
fsr-3296	158	49	10.13	10.13	NUM
fsr-3296	158	50	%	%	NOUN
fsr-3296	158	51	doctorate	doctorate	NOUN
fsr-3296	158	52	20	20	NUM
fsr-3296	158	53	2.36	2.36	NUM
fsr-3296	158	54	%	%	NOUN
fsr-3296	158	55	notes	note	NOUN
fsr-3296	158	56	:	:	PUNCT
fsr-3296	158	57	data	datum	NOUN
fsr-3296	158	58	were	be	AUX
fsr-3296	158	59	collected	collect	VERB
fsr-3296	158	60	through	through	ADP
fsr-3296	158	61	an	an	DET
fsr-3296	158	62	online	online	ADJ
fsr-3296	158	63	survey	survey	NOUN
fsr-3296	158	64	administrated	administrate	VERB
fsr-3296	158	65	by	by	ADP
fsr-3296	158	66	qualtrics	qualtric	NOUN
fsr-3296	158	67	on	on	ADP
fsr-3296	158	68	amazon	amazon	NOUN
fsr-3296	158	69	’s	’s	PART
fsr-3296	158	70	mechanical	mechanical	ADJ
fsr-3296	158	71	turk	turk	PROPN
fsr-3296	158	72	(	(	PUNCT
fsr-3296	158	73	mturk	mturk	PROPN
fsr-3296	158	74	)	)	PUNCT
fsr-3296	158	75	.	.	PUNCT
fsr-3296	159	1	participation	participation	NOUN
fsr-3296	159	2	is	be	AUX
fsr-3296	159	3	restricted	restrict	VERB
fsr-3296	159	4	to	to	ADP
fsr-3296	159	5	u.	u.	PROPN
fsr-3296	159	6	s.	s.	PROPN
fsr-3296	159	7	citizens	citizen	NOUN
fsr-3296	159	8	or	or	CCONJ
fsr-3296	159	9	permanent	permanent	ADJ
fsr-3296	159	10	residents	resident	NOUN
fsr-3296	159	11	who	who	PRON
fsr-3296	159	12	are	be	AUX
fsr-3296	159	13	at	at	ADP
fsr-3296	159	14	least	least	ADV
fsr-3296	159	15	18	18	NUM
fsr-3296	159	16	and	and	CCONJ
fsr-3296	159	17	who	who	PRON
fsr-3296	159	18	reported	report	VERB
fsr-3296	159	19	that	that	SCONJ
fsr-3296	159	20	they	they	PRON
fsr-3296	159	21	were	be	AUX
fsr-3296	159	22	one	one	NUM
fsr-3296	159	23	of	of	ADP
fsr-3296	159	24	the	the	DET
fsr-3296	159	25	primary	primary	ADJ
fsr-3296	159	26	financial	financial	ADJ
fsr-3296	159	27	decision	decision	NOUN
fsr-3296	159	28	makers	maker	NOUN
fsr-3296	159	29	in	in	ADP
fsr-3296	159	30	their	their	PRON
fsr-3296	159	31	households	household	NOUN
fsr-3296	159	32	.	.	PUNCT
fsr-3296	160	1	qualified	qualified	ADJ
fsr-3296	160	2	participants	participant	NOUN
fsr-3296	160	3	responded	respond	VERB
fsr-3296	160	4	to	to	ADP
fsr-3296	160	5	quizzes	quiz	NOUN
fsr-3296	160	6	on	on	ADP
fsr-3296	160	7	enduring	endure	VERB
fsr-3296	160	8	financial	financial	ADJ
fsr-3296	160	9	involvement	involvement	NOUN
fsr-3296	160	10	(	(	PUNCT
fsr-3296	160	11	bloch	bloch	NOUN
fsr-3296	160	12	,	,	PUNCT
fsr-3296	160	13	sherrell	sherrell	NOUN
fsr-3296	160	14	,	,	PUNCT
fsr-3296	160	15	&	&	CCONJ
fsr-3296	160	16	ridgway	ridgway	PROPN
fsr-3296	160	17	,	,	PUNCT
fsr-3296	160	18	1986	1986	NUM
fsr-3296	160	19	)	)	PUNCT
fsr-3296	160	20	;	;	PUNCT
fsr-3296	160	21	attitude	attitude	NOUN
fsr-3296	160	22	toward	toward	ADP
fsr-3296	160	23	money	money	NOUN
fsr-3296	160	24	(	(	PUNCT
fsr-3296	160	25	christopher	christopher	PROPN
fsr-3296	160	26	,	,	PUNCT
fsr-3296	160	27	marek	marek	PROPN
fsr-3296	160	28	,	,	PUNCT
fsr-3296	160	29	&	&	CCONJ
fsr-3296	160	30	carroll	carroll	PROPN
fsr-3296	160	31	,	,	PUNCT
fsr-3296	160	32	2004	2004	NUM
fsr-3296	160	33	)	)	PUNCT
fsr-3296	160	34	;	;	PUNCT
fsr-3296	160	35	financial	financial	ADJ
fsr-3296	160	36	knowledge	knowledge	NOUN
fsr-3296	160	37	(	(	PUNCT
fsr-3296	160	38	knoll	knoll	NOUN
fsr-3296	160	39	&	&	CCONJ
fsr-3296	160	40	houts	hout	NOUN
fsr-3296	160	41	,	,	PUNCT
fsr-3296	160	42	2012	2012	NUM
fsr-3296	160	43	)	)	PUNCT
fsr-3296	160	44	;	;	PUNCT
fsr-3296	160	45	attitude	attitude	NOUN
fsr-3296	160	46	towards	towards	ADP
fsr-3296	160	47	financial	financial	ADJ
fsr-3296	160	48	planning	planning	NOUN
fsr-3296	160	49	(	(	PUNCT
fsr-3296	160	50	yamauchi	yamauchi	PROPN
fsr-3296	160	51	&	&	CCONJ
fsr-3296	160	52	templer	templer	PROPN
fsr-3296	160	53	,	,	PUNCT
fsr-3296	160	54	1982	1982	NUM
fsr-3296	160	55	)	)	PUNCT
fsr-3296	160	56	;	;	PUNCT
fsr-3296	160	57	attitude	attitude	NOUN
fsr-3296	160	58	towards	towards	ADP
fsr-3296	160	59	borrowing	borrowing	NOUN
fsr-3296	160	60	(	(	PUNCT
fsr-3296	160	61	financial	financial	ADJ
fsr-3296	160	62	consumer	consumer	NOUN
fsr-3296	160	63	agency	agency	NOUN
fsr-3296	160	64	of	of	ADP
fsr-3296	160	65	canada	canada	PROPN
fsr-3296	160	66	)	)	PUNCT
fsr-3296	160	67	and	and	CCONJ
fsr-3296	160	68	risk	risk	NOUN
fsr-3296	160	69	tolerance	tolerance	NOUN
fsr-3296	160	70	(	(	PUNCT
fsr-3296	160	71	grable	grable	PROPN
fsr-3296	160	72	&	&	CCONJ
fsr-3296	160	73	lytton	lytton	PROPN
fsr-3296	160	74	,	,	PUNCT
fsr-3296	160	75	1999	1999	NUM
fsr-3296	160	76	)	)	PUNCT
fsr-3296	160	77	.	.	PUNCT
fsr-3296	161	1	each	each	DET
fsr-3296	161	2	participant	participant	NOUN
fsr-3296	161	3	was	be	AUX
fsr-3296	161	4	assigned	assign	VERB
fsr-3296	161	5	a	a	DET
fsr-3296	161	6	percentage	percentage	NOUN
fsr-3296	161	7	score	score	NOUN
fsr-3296	161	8	based	base	VERB
fsr-3296	161	9	on	on	ADP
fsr-3296	161	10	each	each	PRON
fsr-3296	161	11	of	of	ADP
fsr-3296	161	12	the	the	DET
fsr-3296	161	13	quizzes	quiz	NOUN
fsr-3296	161	14	.	.	PUNCT
fsr-3296	162	1	this	this	DET
fsr-3296	162	2	score	score	NOUN
fsr-3296	162	3	represents	represent	VERB
fsr-3296	162	4	the	the	DET
fsr-3296	162	5	ratio	ratio	NOUN
fsr-3296	162	6	of	of	ADP
fsr-3296	162	7	his	his	PRON
fsr-3296	162	8	/	/	SYM
fsr-3296	162	9	her	her	PRON
fsr-3296	162	10	total	total	ADJ
fsr-3296	162	11	score	score	NOUN
fsr-3296	162	12	in	in	ADP
fsr-3296	162	13	the	the	DET
fsr-3296	162	14	quiz	quiz	NOUN
fsr-3296	162	15	to	to	ADP
fsr-3296	162	16	the	the	DET
fsr-3296	162	17	highest	high	ADJ
fsr-3296	162	18	possible	possible	ADJ
fsr-3296	162	19	score	score	NOUN
fsr-3296	162	20	.	.	PUNCT
fsr-3296	163	1	personality	personality	NOUN
fsr-3296	163	2	traits	trait	NOUN
fsr-3296	163	3	were	be	AUX
fsr-3296	163	4	measured	measure	VERB
fsr-3296	163	5	using	use	VERB
fsr-3296	163	6	short	short	ADJ
fsr-3296	163	7	quizzes	quiz	NOUN
fsr-3296	163	8	adapted	adapt	VERB
fsr-3296	163	9	from	from	ADP
fsr-3296	163	10	licata	licata	PROPN
fsr-3296	163	11	,	,	PUNCT
fsr-3296	163	12	mowen	mowen	NOUN
fsr-3296	163	13	,	,	PUNCT
fsr-3296	163	14	harris	harris	PROPN
fsr-3296	163	15	,	,	PUNCT
fsr-3296	163	16	and	and	CCONJ
fsr-3296	163	17	brown	brown	ADJ
fsr-3296	163	18	(	(	PUNCT
fsr-3296	163	19	2003	2003	NUM
fsr-3296	163	20	)	)	PUNCT
fsr-3296	163	21	.	.	PUNCT
fsr-3296	164	1	borrowing	borrow	VERB
fsr-3296	164	2	behavior	behavior	NOUN
fsr-3296	164	3	questions	question	NOUN
fsr-3296	164	4	were	be	AUX
fsr-3296	164	5	adapted	adapt	VERB
fsr-3296	164	6	from	from	ADP
fsr-3296	164	7	the	the	DET
fsr-3296	164	8	survey	survey	NOUN
fsr-3296	164	9	of	of	ADP
fsr-3296	164	10	consumer	consumer	NOUN
fsr-3296	164	11	finances	finance	NOUN
fsr-3296	164	12	(	(	PUNCT
fsr-3296	164	13	scf	scf	PROPN
fsr-3296	164	14	)	)	PUNCT
fsr-3296	164	15	administered	administer	VERB
fsr-3296	164	16	by	by	ADP
fsr-3296	164	17	the	the	DET
fsr-3296	164	18	federal	federal	PROPN
fsr-3296	164	19	reserve	reserve	PROPN
fsr-3296	164	20	.	.	PUNCT
fsr-3296	165	1	the	the	DET
fsr-3296	165	2	scf	scf	PROPN
fsr-3296	165	3	identifies	identify	VERB
fsr-3296	165	4	eight	eight	NUM
fsr-3296	165	5	categories	category	NOUN
fsr-3296	165	6	of	of	ADP
fsr-3296	165	7	borrowing	borrowing	NOUN
fsr-3296	165	8	avenues	avenue	NOUN
fsr-3296	165	9	:	:	PUNCT
fsr-3296	165	10	credit	credit	NOUN
fsr-3296	165	11	cards	card	NOUN
fsr-3296	165	12	,	,	PUNCT
fsr-3296	165	13	mortgage	mortgage	NOUN
fsr-3296	165	14	,	,	PUNCT
fsr-3296	165	15	home	home	NOUN
fsr-3296	165	16	improvement	improvement	NOUN
fsr-3296	165	17	,	,	PUNCT
fsr-3296	165	18	business	business	NOUN
fsr-3296	165	19	loans	loan	NOUN
fsr-3296	165	20	,	,	PUNCT
fsr-3296	165	21	car	car	NOUN
fsr-3296	165	22	loans	loan	NOUN
fsr-3296	165	23	,	,	PUNCT
fsr-3296	165	24	student	student	NOUN
fsr-3296	165	25	loans	loan	NOUN
fsr-3296	165	26	,	,	PUNCT
fsr-3296	165	27	personal	personal	ADJ
fsr-3296	165	28	loans	loan	NOUN
fsr-3296	165	29	,	,	PUNCT
fsr-3296	165	30	and	and	CCONJ
fsr-3296	165	31	payday	payday	NOUN
fsr-3296	165	32	loans	loan	NOUN
fsr-3296	165	33	.	.	PUNCT
fsr-3296	166	1	this	this	DET
fsr-3296	166	2	classification	classification	NOUN
fsr-3296	166	3	is	be	AUX
fsr-3296	166	4	appropriate	appropriate	ADJ
fsr-3296	166	5	because	because	SCONJ
fsr-3296	166	6	it	it	PRON
fsr-3296	166	7	captures	capture	VERB
fsr-3296	166	8	a	a	DET
fsr-3296	166	9	great	great	ADJ
fsr-3296	166	10	deal	deal	NOUN
fsr-3296	166	11	of	of	ADP
fsr-3296	166	12	the	the	DET
fsr-3296	166	13	variations	variation	NOUN
fsr-3296	166	14	within	within	ADP
fsr-3296	166	15	the	the	DET
fsr-3296	166	16	numerous	numerous	ADJ
fsr-3296	166	17	borrowing	borrowing	NOUN
fsr-3296	166	18	options	option	NOUN
fsr-3296	166	19	available	available	ADJ
fsr-3296	166	20	to	to	ADP
fsr-3296	166	21	households	household	NOUN
fsr-3296	166	22	(	(	PUNCT
fsr-3296	166	23	see	see	VERB
fsr-3296	166	24	instrument	instrument	NOUN
fsr-3296	166	25	section	section	NOUN
fsr-3296	166	26	for	for	ADP
fsr-3296	166	27	more	more	ADJ
fsr-3296	166	28	explanation	explanation	NOUN
fsr-3296	166	29	)	)	PUNCT
fsr-3296	166	30	.	.	PUNCT
fsr-3296	167	1	the	the	DET
fsr-3296	167	2	questionnaire	questionnaire	NOUN
fsr-3296	167	3	also	also	ADV
fsr-3296	167	4	includes	include	VERB
fsr-3296	167	5	sections	section	NOUN
fsr-3296	167	6	that	that	PRON
fsr-3296	167	7	explored	explore	VERB
fsr-3296	167	8	the	the	DET
fsr-3296	167	9	financial	financial	ADJ
fsr-3296	167	10	profile	profile	NOUN
fsr-3296	167	11	and	and	CCONJ
fsr-3296	167	12	demographic	demographic	ADJ
fsr-3296	167	13	characteristics	characteristic	NOUN
fsr-3296	167	14	of	of	ADP
fsr-3296	167	15	the	the	DET
fsr-3296	167	16	participants	participant	NOUN
fsr-3296	167	17	.	.	PUNCT
fsr-3296	168	1	the	the	DET
fsr-3296	168	2	final	final	ADJ
fsr-3296	168	3	sample	sample	NOUN
fsr-3296	168	4	includes	include	VERB
fsr-3296	168	5	849	849	NUM
fsr-3296	168	6	cases	case	NOUN
fsr-3296	168	7	.	.	PUNCT
fsr-3296	169	1	64	64	NUM
fsr-3296	169	2	a.	a.	NOUN
fsr-3296	169	3	yazdanparast	yazdanparast	NOUN
fsr-3296	169	4	,	,	PUNCT
fsr-3296	169	5	y.	y.	PROPN
fsr-3296	169	6	alhenawi	alhenawi	PROPN
fsr-3296	169	7	/	/	SYM
fsr-3296	169	8	financial	financial	ADJ
fsr-3296	169	9	services	service	NOUN
fsr-3296	169	10	review	review	VERB
fsr-3296	169	11	26	26	NUM
fsr-3296	169	12	(	(	PUNCT
fsr-3296	169	13	2017	2017	NUM
fsr-3296	169	14	)	)	PUNCT
fsr-3296	169	15	55–85	55–85	NUM
fsr-3296	169	16	the	the	DET
fsr-3296	169	17	scores	score	NOUN
fsr-3296	169	18	in	in	ADP
fsr-3296	169	19	financial	financial	ADJ
fsr-3296	169	20	knowledge	knowledge	NOUN
fsr-3296	169	21	and	and	CCONJ
fsr-3296	169	22	planning	planning	NOUN
fsr-3296	169	23	quizzes	quiz	NOUN
fsr-3296	169	24	were	be	AUX
fsr-3296	169	25	below	below	ADP
fsr-3296	169	26	average	average	ADJ
fsr-3296	169	27	.	.	PUNCT
fsr-3296	170	1	this	this	PRON
fsr-3296	170	2	indicates	indicate	VERB
fsr-3296	170	3	that	that	SCONJ
fsr-3296	170	4	raising	raise	VERB
fsr-3296	170	5	financial	financial	ADJ
fsr-3296	170	6	literacy	literacy	NOUN
fsr-3296	170	7	may	may	AUX
fsr-3296	170	8	require	require	VERB
fsr-3296	170	9	not	not	PART
fsr-3296	170	10	only	only	ADV
fsr-3296	170	11	education	education	NOUN
fsr-3296	170	12	,	,	PUNCT
fsr-3296	170	13	but	but	CCONJ
fsr-3296	170	14	also	also	ADV
fsr-3296	170	15	changing	change	VERB
fsr-3296	170	16	financial	financial	ADJ
fsr-3296	170	17	perceptions	perception	NOUN
fsr-3296	170	18	and	and	CCONJ
fsr-3296	170	19	attitudes	attitude	NOUN
fsr-3296	170	20	(	(	PUNCT
fsr-3296	170	21	see	see	VERB
fsr-3296	170	22	alhenawi	alhenawi	NOUN
fsr-3296	170	23	&	&	CCONJ
fsr-3296	170	24	elkhal	elkhal	PROPN
fsr-3296	170	25	,	,	PUNCT
fsr-3296	170	26	2013	2013	NUM
fsr-3296	170	27	for	for	ADP
fsr-3296	170	28	similar	similar	ADJ
fsr-3296	170	29	argument	argument	NOUN
fsr-3296	170	30	)	)	PUNCT
fsr-3296	170	31	.	.	PUNCT
fsr-3296	171	1	panel	panel	NOUN
fsr-3296	171	2	c	c	PROPN
fsr-3296	171	3	captures	capture	VERB
fsr-3296	171	4	actual	actual	ADJ
fsr-3296	171	5	borrowing	borrowing	NOUN
fsr-3296	171	6	behaviors	behavior	NOUN
fsr-3296	171	7	.	.	PUNCT
fsr-3296	172	1	as	as	SCONJ
fsr-3296	172	2	indicated	indicate	VERB
fsr-3296	172	3	in	in	ADP
fsr-3296	172	4	the	the	DET
fsr-3296	172	5	table	table	NOUN
fsr-3296	172	6	,	,	PUNCT
fsr-3296	172	7	42.52	42.52	NUM
fsr-3296	172	8	%	%	NOUN
fsr-3296	172	9	of	of	ADP
fsr-3296	172	10	respondents	respondent	NOUN
fsr-3296	172	11	owned	own	VERB
fsr-3296	172	12	a	a	DET
fsr-3296	172	13	credit	credit	NOUN
fsr-3296	172	14	card	card	NOUN
fsr-3296	172	15	and	and	CCONJ
fsr-3296	172	16	paid	pay	VERB
fsr-3296	172	17	on	on	ADP
fsr-3296	172	18	time	time	NOUN
fsr-3296	172	19	(	(	PUNCT
fsr-3296	172	20	i.e.	i.e.	X
fsr-3296	172	21	,	,	PUNCT
fsr-3296	172	22	they	they	PRON
fsr-3296	172	23	did	do	AUX
fsr-3296	172	24	not	not	PART
fsr-3296	172	25	have	have	VERB
fsr-3296	172	26	credit	credit	NOUN
fsr-3296	172	27	card	card	NOUN
fsr-3296	172	28	debt	debt	NOUN
fsr-3296	172	29	)	)	PUNCT
fsr-3296	172	30	.	.	PUNCT
fsr-3296	173	1	in	in	ADP
fsr-3296	173	2	contrast	contrast	NOUN
fsr-3296	173	3	,	,	PUNCT
fsr-3296	173	4	35.22	35.22	NUM
fsr-3296	173	5	%	%	NOUN
fsr-3296	173	6	were	be	AUX
fsr-3296	173	7	indebted	indebte	VERB
fsr-3296	173	8	to	to	ADP
fsr-3296	173	9	credit	credit	NOUN
fsr-3296	173	10	card	card	NOUN
fsr-3296	173	11	companies	company	NOUN
fsr-3296	173	12	(	(	PUNCT
fsr-3296	173	13	i.e.	i.e.	X
fsr-3296	173	14	,	,	PUNCT
fsr-3296	173	15	they	they	PRON
fsr-3296	173	16	carried	carry	VERB
fsr-3296	173	17	a	a	DET
fsr-3296	173	18	monthly	monthly	ADJ
fsr-3296	173	19	balance	balance	NOUN
fsr-3296	173	20	)	)	PUNCT
fsr-3296	173	21	.	.	PUNCT
fsr-3296	174	1	the	the	DET
fsr-3296	174	2	percentages	percentage	NOUN
fsr-3296	174	3	in	in	ADP
fsr-3296	174	4	the	the	DET
fsr-3296	174	5	table	table	NOUN
fsr-3296	174	6	indicate	indicate	VERB
fsr-3296	174	7	that	that	SCONJ
fsr-3296	174	8	the	the	DET
fsr-3296	174	9	most	most	ADV
fsr-3296	174	10	common	common	ADJ
fsr-3296	174	11	types	type	NOUN
fsr-3296	174	12	of	of	ADP
fsr-3296	174	13	borrowing	borrowing	NOUN
fsr-3296	174	14	(	(	PUNCT
fsr-3296	174	15	excluding	exclude	VERB
fsr-3296	174	16	credit	credit	NOUN
fsr-3296	174	17	cards	card	NOUN
fsr-3296	174	18	)	)	PUNCT
fsr-3296	174	19	were	be	AUX
fsr-3296	174	20	student	student	NOUN
fsr-3296	174	21	loans	loan	NOUN
fsr-3296	174	22	(	(	PUNCT
fsr-3296	174	23	40.28	40.28	NUM
fsr-3296	174	24	%	%	NOUN
fsr-3296	174	25	)	)	PUNCT
fsr-3296	174	26	,	,	PUNCT
fsr-3296	174	27	car	car	NOUN
fsr-3296	174	28	loans	loan	NOUN
fsr-3296	174	29	(	(	PUNCT
fsr-3296	174	30	30.74	30.74	NUM
fsr-3296	174	31	%	%	NOUN
fsr-3296	174	32	)	)	PUNCT
fsr-3296	174	33	,	,	PUNCT
fsr-3296	174	34	mortgage	mortgage	NOUN
fsr-3296	174	35	loans	loan	NOUN
fsr-3296	174	36	(	(	PUNCT
fsr-3296	174	37	29.45	29.45	NUM
fsr-3296	174	38	%	%	NOUN
fsr-3296	174	39	)	)	PUNCT
fsr-3296	174	40	,	,	PUNCT
fsr-3296	174	41	and	and	CCONJ
fsr-3296	174	42	personal	personal	ADJ
fsr-3296	174	43	loans	loan	NOUN
fsr-3296	174	44	(	(	PUNCT
fsr-3296	174	45	16.37	16.37	NUM
fsr-3296	174	46	%	%	NOUN
fsr-3296	174	47	)	)	PUNCT
fsr-3296	174	48	.	.	PUNCT
fsr-3296	175	1	other	other	ADJ
fsr-3296	175	2	types	type	NOUN
fsr-3296	175	3	of	of	ADP
fsr-3296	175	4	loans	loan	NOUN
fsr-3296	175	5	such	such	ADJ
fsr-3296	175	6	as	as	ADP
fsr-3296	175	7	home	home	NOUN
fsr-3296	175	8	equity	equity	NOUN
fsr-3296	175	9	loans	loan	NOUN
fsr-3296	175	10	,	,	PUNCT
fsr-3296	175	11	home	home	NOUN
fsr-3296	175	12	improvement	improvement	NOUN
fsr-3296	175	13	loans	loan	NOUN
fsr-3296	175	14	,	,	PUNCT
fsr-3296	175	15	payday	payday	NOUN
fsr-3296	175	16	loans	loan	NOUN
fsr-3296	175	17	,	,	PUNCT
fsr-3296	175	18	and	and	CCONJ
fsr-3296	175	19	business	business	NOUN
fsr-3296	175	20	loans	loan	NOUN
fsr-3296	175	21	were	be	AUX
fsr-3296	175	22	much	much	ADV
fsr-3296	175	23	less	less	ADV
fsr-3296	175	24	popular	popular	ADJ
fsr-3296	175	25	(	(	PUNCT
fsr-3296	175	26	less	less	ADJ
fsr-3296	175	27	than	than	ADP
fsr-3296	175	28	5	5	NUM
fsr-3296	175	29	%	%	NOUN
fsr-3296	175	30	)	)	PUNCT
fsr-3296	175	31	.	.	PUNCT
fsr-3296	176	1	to	to	PART
fsr-3296	176	2	control	control	VERB
fsr-3296	176	3	for	for	ADP
fsr-3296	176	4	borrowing	borrowing	NOUN
fsr-3296	176	5	ability	ability	NOUN
fsr-3296	176	6	,	,	PUNCT
fsr-3296	176	7	we	we	PRON
fsr-3296	176	8	also	also	ADV
fsr-3296	176	9	included	include	VERB
fsr-3296	176	10	additional	additional	ADJ
fsr-3296	176	11	five	five	NUM
fsr-3296	176	12	questions	question	NOUN
fsr-3296	176	13	on	on	ADP
fsr-3296	176	14	credit	credit	NOUN
fsr-3296	176	15	applications	application	NOUN
fsr-3296	176	16	and	and	CCONJ
fsr-3296	176	17	bankruptcy	bankruptcy	NOUN
fsr-3296	176	18	(	(	PUNCT
fsr-3296	176	19	adopted	adopt	VERB
fsr-3296	176	20	from	from	ADP
fsr-3296	176	21	the	the	DET
fsr-3296	176	22	scf	scf	PROPN
fsr-3296	176	23	)	)	PUNCT
fsr-3296	176	24	.	.	PUNCT
fsr-3296	177	1	we	we	PRON
fsr-3296	177	2	found	find	VERB
fsr-3296	177	3	that	that	SCONJ
fsr-3296	177	4	53.47	53.47	NUM
fsr-3296	177	5	%	%	NOUN
fsr-3296	177	6	of	of	ADP
fsr-3296	177	7	respondents	respondent	NOUN
fsr-3296	177	8	had	have	AUX
fsr-3296	177	9	applied	apply	VERB
fsr-3296	177	10	for	for	ADP
fsr-3296	177	11	credit	credit	NOUN
fsr-3296	177	12	in	in	ADP
fsr-3296	177	13	the	the	DET
fsr-3296	177	14	past	past	ADJ
fsr-3296	177	15	five	five	NUM
fsr-3296	177	16	years	year	NOUN
fsr-3296	177	17	,	,	PUNCT
fsr-3296	177	18	74.32	74.32	NUM
fsr-3296	177	19	%	%	NOUN
fsr-3296	177	20	paid	pay	VERB
fsr-3296	177	21	their	their	PRON
fsr-3296	177	22	loan	loan	NOUN
fsr-3296	177	23	payments	payment	NOUN
fsr-3296	177	24	on	on	ADP
fsr-3296	177	25	time	time	NOUN
fsr-3296	177	26	,	,	PUNCT
fsr-3296	177	27	and	and	CCONJ
fsr-3296	177	28	only	only	ADV
fsr-3296	177	29	6.6	6.6	NUM
fsr-3296	177	30	%	%	NOUN
fsr-3296	177	31	anticipated	anticipate	VERB
fsr-3296	177	32	defaulting	default	VERB
fsr-3296	177	33	in	in	ADP
fsr-3296	177	34	the	the	DET
fsr-3296	177	35	future	future	NOUN
fsr-3296	177	36	.	.	PUNCT
fsr-3296	178	1	also	also	ADV
fsr-3296	178	2	,	,	PUNCT
fsr-3296	178	3	7.89	7.89	NUM
fsr-3296	178	4	%	%	NOUN
fsr-3296	178	5	of	of	ADP
fsr-3296	178	6	respondents	respondent	NOUN
fsr-3296	178	7	had	have	AUX
fsr-3296	178	8	filed	file	VERB
fsr-3296	178	9	for	for	ADP
fsr-3296	178	10	bankruptcy	bankruptcy	NOUN
fsr-3296	178	11	in	in	ADP
fsr-3296	178	12	the	the	DET
fsr-3296	178	13	past	past	NOUN
fsr-3296	178	14	,	,	PUNCT
fsr-3296	178	15	and	and	CCONJ
fsr-3296	178	16	4.12	4.12	NUM
fsr-3296	178	17	%	%	NOUN
fsr-3296	178	18	anticipated	anticipate	VERB
fsr-3296	178	19	filing	filing	NOUN
fsr-3296	178	20	for	for	ADP
fsr-3296	178	21	bankruptcy	bankruptcy	NOUN
fsr-3296	178	22	in	in	ADP
fsr-3296	178	23	the	the	DET
fsr-3296	178	24	future	future	NOUN
fsr-3296	178	25	.	.	PUNCT
fsr-3296	179	1	panel	panel	NOUN
fsr-3296	179	2	d	d	PROPN
fsr-3296	179	3	demonstrates	demonstrate	VERB
fsr-3296	179	4	participants	participant	NOUN
fsr-3296	179	5	’	'	PUNCT
fsr-3296	179	6	intentions	intention	NOUN
fsr-3296	179	7	to	to	PART
fsr-3296	179	8	use	use	VERB
fsr-3296	179	9	different	different	ADJ
fsr-3296	179	10	types	type	NOUN
fsr-3296	179	11	of	of	ADP
fsr-3296	179	12	borrowing	borrowing	NOUN
fsr-3296	179	13	options	option	NOUN
fsr-3296	179	14	(	(	PUNCT
fsr-3296	179	15	on	on	ADP
fsr-3296	179	16	a	a	DET
fsr-3296	179	17	scale	scale	NOUN
fsr-3296	179	18	of	of	ADP
fsr-3296	179	19	1	1	NUM
fsr-3296	179	20	to	to	PART
fsr-3296	179	21	5	5	NUM
fsr-3296	179	22	,	,	PUNCT
fsr-3296	179	23	where	where	SCONJ
fsr-3296	179	24	1	1	NUM
fsr-3296	179	25	�	�	NOUN
fsr-3296	179	26	very	very	ADV
fsr-3296	179	27	unlikely	unlikely	ADJ
fsr-3296	179	28	and	and	CCONJ
fsr-3296	179	29	5	5	NUM
fsr-3296	179	30	�	�	NOUN
fsr-3296	179	31	very	very	ADV
fsr-3296	179	32	likely	likely	ADJ
fsr-3296	179	33	)	)	PUNCT
fsr-3296	179	34	.	.	PUNCT
fsr-3296	180	1	the	the	DET
fsr-3296	180	2	demand	demand	NOUN
fsr-3296	180	3	for	for	ADP
fsr-3296	180	4	car	car	NOUN
fsr-3296	180	5	loans	loan	NOUN
fsr-3296	180	6	was	be	AUX
fsr-3296	180	7	the	the	DET
fsr-3296	180	8	highest	high	ADJ
fsr-3296	180	9	(	(	PUNCT
fsr-3296	180	10	2.45	2.45	NUM
fsr-3296	180	11	)	)	PUNCT
fsr-3296	180	12	,	,	PUNCT
fsr-3296	180	13	followed	follow	VERB
fsr-3296	180	14	by	by	ADP
fsr-3296	180	15	credit	credit	NOUN
fsr-3296	180	16	cards	card	NOUN
fsr-3296	180	17	(	(	PUNCT
fsr-3296	180	18	2.18	2.18	NUM
fsr-3296	180	19	)	)	PUNCT
fsr-3296	180	20	,	,	PUNCT
fsr-3296	180	21	and	and	CCONJ
fsr-3296	180	22	homes	home	NOUN
fsr-3296	180	23	(	(	PUNCT
fsr-3296	180	24	2.05	2.05	NUM
fsr-3296	180	25	)	)	PUNCT
fsr-3296	180	26	.	.	PUNCT
fsr-3296	181	1	personal	personal	ADJ
fsr-3296	181	2	loans	loan	NOUN
fsr-3296	181	3	(	(	PUNCT
fsr-3296	181	4	1.59	1.59	NUM
fsr-3296	181	5	)	)	PUNCT
fsr-3296	181	6	,	,	PUNCT
fsr-3296	181	7	business	business	NOUN
fsr-3296	181	8	loans	loan	NOUN
fsr-3296	181	9	(	(	PUNCT
fsr-3296	181	10	1.58	1.58	NUM
fsr-3296	181	11	)	)	PUNCT
fsr-3296	181	12	,	,	PUNCT
fsr-3296	181	13	and	and	CCONJ
fsr-3296	181	14	payday	payday	NOUN
fsr-3296	181	15	loans	loan	NOUN
fsr-3296	181	16	(	(	PUNCT
fsr-3296	181	17	1.30	1.30	NUM
fsr-3296	181	18	)	)	PUNCT
fsr-3296	181	19	had	have	VERB
fsr-3296	181	20	lower	low	ADJ
fsr-3296	181	21	scores	score	NOUN
fsr-3296	181	22	.	.	PUNCT
fsr-3296	182	1	panels	panel	NOUN
fsr-3296	182	2	e	e	PROPN
fsr-3296	182	3	and	and	CCONJ
fsr-3296	182	4	f	f	PROPN
fsr-3296	182	5	demonstrate	demonstrate	VERB
fsr-3296	182	6	the	the	DET
fsr-3296	182	7	financial	financial	ADJ
fsr-3296	182	8	and	and	CCONJ
fsr-3296	182	9	non	non	ADJ
fsr-3296	182	10	-	-	ADJ
fsr-3296	182	11	financial	financial	ADJ
fsr-3296	182	12	characteristics	characteristic	NOUN
fsr-3296	182	13	of	of	ADP
fsr-3296	182	14	the	the	DET
fsr-3296	182	15	sample	sample	NOUN
fsr-3296	182	16	.	.	PUNCT
fsr-3296	183	1	about	about	ADV
fsr-3296	183	2	38.40	38.40	NUM
fsr-3296	183	3	%	%	NOUN
fsr-3296	183	4	of	of	ADP
fsr-3296	183	5	respondents	respondent	NOUN
fsr-3296	183	6	reported	report	VERB
fsr-3296	183	7	that	that	SCONJ
fsr-3296	183	8	they	they	PRON
fsr-3296	183	9	endured	endure	VERB
fsr-3296	183	10	a	a	DET
fsr-3296	183	11	significant	significant	ADJ
fsr-3296	183	12	event	event	NOUN
fsr-3296	183	13	in	in	ADP
fsr-3296	183	14	the	the	DET
fsr-3296	183	15	past	past	ADJ
fsr-3296	183	16	two	two	NUM
fsr-3296	183	17	years	year	NOUN
fsr-3296	183	18	that	that	PRON
fsr-3296	183	19	had	have	AUX
fsr-3296	183	20	changed	change	VERB
fsr-3296	183	21	their	their	PRON
fsr-3296	183	22	financial	financial	ADJ
fsr-3296	183	23	behavior	behavior	NOUN
fsr-3296	183	24	and	and	CCONJ
fsr-3296	183	25	attitudes	attitude	NOUN
fsr-3296	183	26	.	.	PUNCT
fsr-3296	184	1	the	the	DET
fsr-3296	184	2	sample	sample	NOUN
fsr-3296	184	3	was	be	AUX
fsr-3296	184	4	reasonably	reasonably	ADV
fsr-3296	184	5	balanced	balanced	ADJ
fsr-3296	184	6	across	across	ADP
fsr-3296	184	7	various	various	ADJ
fsr-3296	184	8	income	income	NOUN
fsr-3296	184	9	categories	category	NOUN
fsr-3296	184	10	,	,	PUNCT
fsr-3296	184	11	credit	credit	NOUN
fsr-3296	184	12	scores	score	NOUN
fsr-3296	184	13	classes	class	NOUN
fsr-3296	184	14	,	,	PUNCT
fsr-3296	184	15	marital	marital	ADJ
fsr-3296	184	16	status	status	NOUN
fsr-3296	184	17	,	,	PUNCT
fsr-3296	184	18	ethnicity	ethnicity	NOUN
fsr-3296	184	19	,	,	PUNCT
fsr-3296	184	20	and	and	CCONJ
fsr-3296	184	21	education	education	NOUN
fsr-3296	184	22	levels	level	NOUN
fsr-3296	184	23	.	.	PUNCT
fsr-3296	185	1	average	average	ADJ
fsr-3296	185	2	respondents	respondent	NOUN
fsr-3296	185	3	’	'	PUNCT
fsr-3296	185	4	age	age	NOUN
fsr-3296	185	5	was	be	AUX
fsr-3296	185	6	34.04	34.04	NUM
fsr-3296	185	7	years	year	NOUN
fsr-3296	185	8	with	with	ADP
fsr-3296	185	9	a	a	DET
fsr-3296	185	10	minimum	minimum	NOUN
fsr-3296	185	11	of	of	ADP
fsr-3296	185	12	18	18	NUM
fsr-3296	185	13	and	and	CCONJ
fsr-3296	185	14	a	a	DET
fsr-3296	185	15	maximum	maximum	NOUN
fsr-3296	185	16	of	of	ADP
fsr-3296	185	17	82	82	NUM
fsr-3296	185	18	years	year	NOUN
fsr-3296	185	19	.	.	PUNCT
fsr-3296	186	1	about	about	ADV
fsr-3296	186	2	45	45	NUM
fsr-3296	186	3	%	%	NOUN
fsr-3296	186	4	of	of	ADP
fsr-3296	186	5	respondents	respondent	NOUN
fsr-3296	186	6	were	be	AUX
fsr-3296	186	7	males	male	NOUN
fsr-3296	186	8	.	.	PUNCT
fsr-3296	187	1	average	average	ADJ
fsr-3296	187	2	family	family	NOUN
fsr-3296	187	3	size	size	NOUN
fsr-3296	187	4	was	be	AUX
fsr-3296	187	5	2.55	2.55	NUM
fsr-3296	187	6	with	with	ADP
fsr-3296	187	7	a	a	DET
fsr-3296	187	8	minimum	minimum	NOUN
fsr-3296	187	9	of	of	ADP
fsr-3296	187	10	one	one	NUM
fsr-3296	187	11	(	(	PUNCT
fsr-3296	187	12	single	single	ADJ
fsr-3296	187	13	)	)	PUNCT
fsr-3296	187	14	and	and	CCONJ
fsr-3296	187	15	a	a	DET
fsr-3296	187	16	maximum	maximum	NOUN
fsr-3296	187	17	of	of	ADP
fsr-3296	187	18	six	six	NUM
fsr-3296	187	19	.	.	PUNCT
fsr-3296	188	1	about	about	ADV
fsr-3296	188	2	18.49	18.49	NUM
fsr-3296	188	3	%	%	NOUN
fsr-3296	188	4	of	of	ADP
fsr-3296	188	5	respondents	respondent	NOUN
fsr-3296	188	6	had	have	VERB
fsr-3296	188	7	formal	formal	ADJ
fsr-3296	188	8	financial	financial	ADJ
fsr-3296	188	9	education	education	NOUN
fsr-3296	188	10	,	,	PUNCT
fsr-3296	188	11	and	and	CCONJ
fsr-3296	188	12	about	about	ADV
fsr-3296	188	13	10	10	NUM
fsr-3296	188	14	%	%	NOUN
fsr-3296	188	15	indicated	indicate	VERB
fsr-3296	188	16	that	that	SCONJ
fsr-3296	188	17	they	they	PRON
fsr-3296	188	18	worked	work	VERB
fsr-3296	188	19	in	in	ADP
fsr-3296	188	20	the	the	DET
fsr-3296	188	21	financial	financial	ADJ
fsr-3296	188	22	sector	sector	NOUN
fsr-3296	188	23	.	.	PUNCT
fsr-3296	189	1	overall	overall	ADV
fsr-3296	189	2	,	,	PUNCT
fsr-3296	189	3	the	the	DET
fsr-3296	189	4	sample	sample	NOUN
fsr-3296	189	5	was	be	AUX
fsr-3296	189	6	balanced	balanced	ADJ
fsr-3296	189	7	and	and	CCONJ
fsr-3296	189	8	consistent	consistent	ADJ
fsr-3296	189	9	with	with	ADP
fsr-3296	189	10	previous	previous	ADJ
fsr-3296	189	11	studies	study	NOUN
fsr-3296	189	12	(	(	PUNCT
fsr-3296	189	13	e.g.	e.g.	ADV
fsr-3296	189	14	,	,	PUNCT
fsr-3296	189	15	zharvalhenawi	zharvalhenawi	PROPN
fsr-3296	189	16	&	&	CCONJ
fsr-3296	189	17	elkhal	elkhal	PROPN
fsr-3296	189	18	,	,	PUNCT
fsr-3296	189	19	2013	2013	NUM
fsr-3296	189	20	;	;	PUNCT
fsr-3296	189	21	hilgert	hilgert	PROPN
fsr-3296	189	22	,	,	PUNCT
fsr-3296	189	23	hogarth	hogarth	NOUN
fsr-3296	189	24	,	,	PUNCT
fsr-3296	189	25	&	&	CCONJ
fsr-3296	189	26	beverly	beverly	PROPN
fsr-3296	189	27	,	,	PUNCT
fsr-3296	189	28	2003	2003	NUM
fsr-3296	189	29	;	;	PUNCT
fsr-3296	189	30	and	and	CCONJ
fsr-3296	189	31	johnson	johnson	PROPN
fsr-3296	189	32	&	&	CCONJ
fsr-3296	189	33	li	li	PROPN
fsr-3296	189	34	,	,	PUNCT
fsr-3296	189	35	2010	2010	NUM
fsr-3296	189	36	)	)	PUNCT
fsr-3296	189	37	.	.	PUNCT
fsr-3296	190	1	3.3	3.3	NUM
fsr-3296	190	2	.	.	PUNCT
fsr-3296	191	1	regression	regression	NOUN
fsr-3296	191	2	analysis	analysis	NOUN
fsr-3296	191	3	we	we	PRON
fsr-3296	191	4	used	use	VERB
fsr-3296	191	5	multivariate	multivariate	NOUN
fsr-3296	191	6	regression	regression	NOUN
fsr-3296	191	7	models	model	NOUN
fsr-3296	191	8	where	where	SCONJ
fsr-3296	191	9	the	the	DET
fsr-3296	191	10	regressors	regressor	NOUN
fsr-3296	191	11	are	be	AUX
fsr-3296	191	12	explanatory	explanatory	ADJ
fsr-3296	191	13	variables	variable	NOUN
fsr-3296	191	14	—	—	PUNCT
fsr-3296	191	15	including	include	VERB
fsr-3296	191	16	personality	personality	NOUN
fsr-3296	191	17	traits	trait	NOUN
fsr-3296	191	18	—	—	PUNCT
fsr-3296	191	19	theorized	theorize	VERB
fsr-3296	191	20	to	to	PART
fsr-3296	191	21	influence	influence	VERB
fsr-3296	191	22	the	the	DET
fsr-3296	191	23	regressand	regressand	PROPN
fsr-3296	191	24	.	.	PUNCT
fsr-3296	192	1	table	table	NOUN
fsr-3296	192	2	2	2	NUM
fsr-3296	192	3	provides	provide	VERB
fsr-3296	192	4	the	the	DET
fsr-3296	192	5	results	result	NOUN
fsr-3296	192	6	of	of	ADP
fsr-3296	192	7	the	the	DET
fsr-3296	192	8	regression	regression	NOUN
fsr-3296	192	9	analyses	analysis	NOUN
fsr-3296	192	10	.	.	PUNCT
fsr-3296	193	1	the	the	DET
fsr-3296	193	2	regressand	regressand	NOUN
fsr-3296	193	3	in	in	ADP
fsr-3296	193	4	regression	regression	NOUN
fsr-3296	193	5	one	one	NUM
fsr-3296	193	6	is	be	AUX
fsr-3296	193	7	the	the	DET
fsr-3296	193	8	attitude	attitude	NOUN
fsr-3296	193	9	toward	toward	ADP
fsr-3296	193	10	borrowing	borrowing	NOUN
fsr-3296	193	11	while	while	SCONJ
fsr-3296	193	12	the	the	DET
fsr-3296	193	13	regressands	regressand	NOUN
fsr-3296	193	14	in	in	ADP
fsr-3296	193	15	regressions	regression	NOUN
fsr-3296	193	16	two	two	NUM
fsr-3296	193	17	to	to	PART
fsr-3296	193	18	nine	nine	NUM
fsr-3296	193	19	are	be	AUX
fsr-3296	193	20	the	the	DET
fsr-3296	193	21	intentions	intention	NOUN
fsr-3296	193	22	to	to	PART
fsr-3296	193	23	use	use	VERB
fsr-3296	193	24	eight	eight	NUM
fsr-3296	193	25	different	different	ADJ
fsr-3296	193	26	types	type	NOUN
fsr-3296	193	27	of	of	ADP
fsr-3296	193	28	borrowing	borrowing	NOUN
fsr-3296	193	29	.	.	PUNCT
fsr-3296	194	1	in	in	ADP
fsr-3296	194	2	each	each	DET
fsr-3296	194	3	borrowing	borrowing	NOUN
fsr-3296	194	4	intention	intention	NOUN
fsr-3296	194	5	regression	regression	NOUN
fsr-3296	194	6	,	,	PUNCT
fsr-3296	194	7	we	we	PRON
fsr-3296	194	8	included	include	VERB
fsr-3296	194	9	binary	binary	ADJ
fsr-3296	194	10	variables	variable	NOUN
fsr-3296	194	11	that	that	PRON
fsr-3296	194	12	indicate	indicate	VERB
fsr-3296	194	13	historical	historical	ADJ
fsr-3296	194	14	borrowing	borrowing	NOUN
fsr-3296	194	15	behavior	behavior	NOUN
fsr-3296	194	16	in	in	ADP
fsr-3296	194	17	the	the	DET
fsr-3296	194	18	same	same	ADJ
fsr-3296	194	19	category	category	NOUN
fsr-3296	194	20	(	(	PUNCT
fsr-3296	194	21	e.g.	e.g.	ADV
fsr-3296	194	22	,	,	PUNCT
fsr-3296	194	23	in	in	ADP
fsr-3296	194	24	the	the	DET
fsr-3296	194	25	mortgage	mortgage	NOUN
fsr-3296	194	26	regression	regression	NOUN
fsr-3296	194	27	model	model	NOUN
fsr-3296	194	28	,	,	PUNCT
fsr-3296	194	29	we	we	PRON
fsr-3296	194	30	include	include	VERB
fsr-3296	194	31	three	three	NUM
fsr-3296	194	32	variables	variable	NOUN
fsr-3296	194	33	that	that	PRON
fsr-3296	194	34	indicate	indicate	VERB
fsr-3296	194	35	relevant	relevant	ADJ
fsr-3296	194	36	historical	historical	ADJ
fsr-3296	194	37	borrowing	borrowing	NOUN
fsr-3296	194	38	behaviors	behavior	NOUN
fsr-3296	194	39	such	such	ADJ
fsr-3296	194	40	as	as	ADP
fsr-3296	194	41	having	have	VERB
fsr-3296	194	42	an	an	DET
fsr-3296	194	43	existing	exist	VERB
fsr-3296	194	44	mortgage	mortgage	NOUN
fsr-3296	194	45	loan	loan	NOUN
fsr-3296	194	46	,	,	PUNCT
fsr-3296	194	47	refinanced	refinance	VERB
fsr-3296	194	48	mortgage	mortgage	NOUN
fsr-3296	194	49	,	,	PUNCT
fsr-3296	194	50	or	or	CCONJ
fsr-3296	194	51	home	home	NOUN
fsr-3296	194	52	equity	equity	NOUN
fsr-3296	194	53	loan	loan	NOUN
fsr-3296	194	54	)	)	PUNCT
fsr-3296	194	55	.	.	PUNCT
fsr-3296	195	1	the	the	DET
fsr-3296	195	2	models	model	NOUN
fsr-3296	195	3	also	also	ADV
fsr-3296	195	4	include	include	VERB
fsr-3296	195	5	standard	standard	ADJ
fsr-3296	195	6	controls	control	NOUN
fsr-3296	195	7	such	such	ADJ
fsr-3296	195	8	as	as	ADP
fsr-3296	195	9	financial	financial	ADJ
fsr-3296	195	10	profile	profile	NOUN
fsr-3296	195	11	and	and	CCONJ
fsr-3296	195	12	demographics	demographic	NOUN
fsr-3296	195	13	.	.	PUNCT
fsr-3296	196	1	we	we	PRON
fsr-3296	196	2	first	first	ADV
fsr-3296	196	3	estimated	estimate	VERB
fsr-3296	196	4	full	full	ADJ
fsr-3296	196	5	models	model	NOUN
fsr-3296	196	6	with	with	ADP
fsr-3296	196	7	all	all	DET
fsr-3296	196	8	possible	possible	ADJ
fsr-3296	196	9	regressors	regressor	NOUN
fsr-3296	196	10	,	,	PUNCT
fsr-3296	196	11	then	then	ADV
fsr-3296	196	12	we	we	PRON
fsr-3296	196	13	ran	run	VERB
fsr-3296	196	14	concise	concise	ADJ
fsr-3296	196	15	models	model	NOUN
fsr-3296	196	16	with	with	ADP
fsr-3296	196	17	significant	significant	ADJ
fsr-3296	196	18	coefficients	coefficient	NOUN
fsr-3296	196	19	only	only	ADV
fsr-3296	196	20	for	for	ADP
fsr-3296	196	21	better	well	ADJ
fsr-3296	196	22	parsimony	parsimony	NOUN
fsr-3296	196	23	.	.	PUNCT
fsr-3296	197	1	we	we	PRON
fsr-3296	197	2	found	find	VERB
fsr-3296	197	3	negligible	negligible	ADJ
fsr-3296	197	4	65a	65a	NOUN
fsr-3296	197	5	.	.	PUNCT
fsr-3296	198	1	yazdanparast	yazdanparast	NOUN
fsr-3296	198	2	,	,	PUNCT
fsr-3296	198	3	y.	y.	PROPN
fsr-3296	198	4	alhenawi	alhenawi	PROPN
fsr-3296	198	5	/	/	SYM
fsr-3296	198	6	financial	financial	ADJ
fsr-3296	198	7	services	service	NOUN
fsr-3296	198	8	review	review	VERB
fsr-3296	198	9	26	26	NUM
fsr-3296	198	10	(	(	PUNCT
fsr-3296	198	11	2017	2017	NUM
fsr-3296	198	12	)	)	PUNCT
fsr-3296	198	13	55–85	55–85	NUM
fsr-3296	198	14	t	t	PROPN
fsr-3296	198	15	ab	ab	X
fsr-3296	198	16	le	le	X
fsr-3296	198	17	2	2	NUM
fsr-3296	198	18	r	r	NOUN
fsr-3296	198	19	eg	eg	NOUN
fsr-3296	198	20	re	re	NOUN
fsr-3296	198	21	ss	ss	PROPN
fsr-3296	198	22	io	io	PROPN
fsr-3296	198	23	n	n	PROPN
fsr-3296	198	24	an	an	DET
fsr-3296	198	25	al	al	PROPN
fsr-3296	198	26	ys	ys	PROPN
fsr-3296	198	27	is	be	AUX
fsr-3296	198	28	–	–	PUNCT
fsr-3296	198	29	b	b	NOUN
fsr-3296	198	30	or	or	CCONJ
fsr-3296	198	31	ro	ro	INTJ
fsr-3296	198	32	w	w	NOUN
fsr-3296	198	33	in	in	ADP
fsr-3296	198	34	g	g	PROPN
fsr-3296	198	35	in	in	ADP
fsr-3296	198	36	te	te	PROPN
fsr-3296	198	37	nt	not	PART
fsr-3296	198	38	io	io	PROPN
fsr-3296	198	39	n	n	PROPN
fsr-3296	198	40	(	(	PUNCT
fsr-3296	198	41	1	1	X
fsr-3296	198	42	)	)	PUNCT
fsr-3296	198	43	a	a	DET
fsr-3296	198	44	tti	tti	PROPN
fsr-3296	198	45	tu	tu	X
fsr-3296	198	46	de	de	X
fsr-3296	198	47	(	(	PUNCT
fsr-3296	198	48	2	2	NUM
fsr-3296	198	49	)	)	PUNCT
fsr-3296	198	50	c	c	NOUN
fsr-3296	198	51	re	re	ADP
fsr-3296	198	52	di	di	PROPN
fsr-3296	198	53	t	t	PROPN
fsr-3296	198	54	ca	can	AUX
fsr-3296	198	55	rd	rd	PROPN
fsr-3296	198	56	(	(	PUNCT
fsr-3296	198	57	3	3	X
fsr-3296	198	58	)	)	PUNCT
fsr-3296	198	59	m	m	VERB
fsr-3296	198	60	or	or	CCONJ
fsr-3296	198	61	tg	tg	PROPN
fsr-3296	198	62	ag	ag	PROPN
fsr-3296	198	63	e	e	PROPN
fsr-3296	198	64	(	(	PUNCT
fsr-3296	198	65	4	4	X
fsr-3296	198	66	)	)	PUNCT
fsr-3296	199	1	h	h	NOUN
fsr-3296	200	1	om	om	NOUN
fsr-3296	201	1	e	e	PROPN
fsr-3296	202	1	i	i	PRON
fsr-3296	202	2	m	m	VERB
fsr-3296	202	3	pr	pr	INTJ
fsr-3296	203	1	ov	ov	INTJ
fsr-3296	203	2	em	em	PRON
fsr-3296	203	3	en	en	INTJ
fsr-3296	203	4	t	t	X
fsr-3296	203	5	lo	lo	PROPN
fsr-3296	203	6	an	an	DET
fsr-3296	203	7	(	(	PUNCT
fsr-3296	203	8	5	5	NUM
fsr-3296	203	9	)	)	PUNCT
fsr-3296	203	10	b	b	NOUN
fsr-3296	203	11	us	we	PRON
fsr-3296	203	12	in	in	ADP
fsr-3296	203	13	es	es	X
fsr-3296	203	14	s	s	VERB
fsr-3296	203	15	lo	lo	NOUN
fsr-3296	203	16	an	an	PRON
fsr-3296	203	17	(	(	PUNCT
fsr-3296	203	18	6	6	NUM
fsr-3296	203	19	)	)	PUNCT
fsr-3296	203	20	a	a	DET
fsr-3296	203	21	ut	ut	PROPN
fsr-3296	203	22	om	om	PROPN
fsr-3296	203	23	ob	ob	INTJ
fsr-3296	203	24	ile	ile	PROPN
fsr-3296	203	25	(	(	PUNCT
fsr-3296	203	26	7	7	NUM
fsr-3296	203	27	)	)	PUNCT
fsr-3296	203	28	st	st	PROPN
fsr-3296	204	1	ud	ud	INTJ
fsr-3296	204	2	en	en	PROPN
fsr-3296	204	3	t	t	PROPN
fsr-3296	204	4	lo	lo	PROPN
fsr-3296	204	5	an	an	DET
fsr-3296	204	6	(	(	PUNCT
fsr-3296	204	7	8	8	NUM
fsr-3296	204	8	)	)	PUNCT
fsr-3296	204	9	pe	pe	VERB
fsr-3296	204	10	rs	rs	NOUN
fsr-3296	204	11	on	on	ADP
fsr-3296	204	12	al	al	PROPN
fsr-3296	204	13	lo	lo	PROPN
fsr-3296	205	1	an	an	DET
fsr-3296	205	2	(	(	PUNCT
fsr-3296	205	3	9	9	NUM
fsr-3296	205	4	)	)	PUNCT
fsr-3296	205	5	pa	pa	PROPN
fsr-3296	205	6	yd	yd	NOUN
fsr-3296	205	7	ay	ay	PROPN
fsr-3296	205	8	lo	lo	PROPN
fsr-3296	206	1	an	an	DET
fsr-3296	206	2	c	c	NOUN
fsr-3296	206	3	on	on	ADP
fsr-3296	206	4	st	st	PROPN
fsr-3296	206	5	an	an	DET
fsr-3296	206	6	t	t	PROPN
fsr-3296	206	7	57	57	NUM
fsr-3296	206	8	.7	.7	NUM
fsr-3296	206	9	39	39	NUM
fsr-3296	206	10	*	*	PUNCT
fsr-3296	206	11	*	*	PUNCT
fsr-3296	207	1	*	*	PUNCT
fsr-3296	207	2	0	0	NUM
fsr-3296	207	3	.	.	NOUN
fsr-3296	208	1	50	50	NUM
fsr-3296	208	2	1	1	NUM
fsr-3296	208	3	0	0	NUM
fsr-3296	208	4	.	.	PUNCT
fsr-3296	208	5	25	25	NUM
fsr-3296	208	6	1	1	NUM
fsr-3296	208	7	1	1	NUM
fsr-3296	208	8	.	.	X
fsr-3296	208	9	99	99	NUM
fsr-3296	208	10	1	1	NUM
fsr-3296	208	11	*	*	PUNCT
fsr-3296	208	12	*	*	PUNCT
fsr-3296	208	13	*	*	PUNCT
fsr-3296	209	1	2	2	NUM
fsr-3296	209	2	.	.	NUM
fsr-3296	209	3	01	01	NUM
fsr-3296	209	4	0	0	NUM
fsr-3296	209	5	*	*	PUNCT
fsr-3296	210	1	*	*	PUNCT
fsr-3296	210	2	*	*	PUNCT
fsr-3296	211	1	1	1	NUM
fsr-3296	211	2	.	.	X
fsr-3296	211	3	14	14	NUM
fsr-3296	211	4	0	0	NUM
fsr-3296	211	5	*	*	SYM
fsr-3296	211	6	2	2	NUM
fsr-3296	211	7	.	.	NOUN
fsr-3296	211	8	43	43	NUM
fsr-3296	211	9	4	4	NUM
fsr-3296	211	10	*	*	PUNCT
fsr-3296	211	11	*	*	PUNCT
fsr-3296	211	12	*	*	PUNCT
fsr-3296	212	1	1	1	NUM
fsr-3296	212	2	.	.	NUM
fsr-3296	212	3	57	57	NUM
fsr-3296	212	4	5	5	NUM
fsr-3296	212	5	*	*	PUNCT
fsr-3296	212	6	*	*	PUNCT
fsr-3296	212	7	*	*	PUNCT
fsr-3296	213	1	2	2	NUM
fsr-3296	213	2	.	.	NUM
fsr-3296	213	3	59	59	NUM
fsr-3296	213	4	2	2	NUM
fsr-3296	213	5	*	*	PUNCT
fsr-3296	213	6	*	*	PUNCT
fsr-3296	213	7	*	*	PUNCT
fsr-3296	213	8	in	in	ADP
fsr-3296	213	9	tr	tr	NOUN
fsr-3296	213	10	ov	ov	INTJ
fsr-3296	213	11	er	er	INTJ
fsr-3296	213	12	si	si	INTJ
fsr-3296	213	13	on	on	ADP
fsr-3296	213	14	0	0	NUM
fsr-3296	213	15	.	.	NOUN
fsr-3296	213	16	11	11	NUM
fsr-3296	213	17	2	2	NUM
fsr-3296	213	18	0	0	NUM
fsr-3296	213	19	.	.	PUNCT
fsr-3296	214	1	09	09	NUM
fsr-3296	214	2	9	9	NUM
fsr-3296	214	3	*	*	SYM
fsr-3296	214	4	*	*	NOUN
fsr-3296	214	5	0	0	NUM
fsr-3296	214	6	.	.	X
fsr-3296	214	7	07	07	NUM
fsr-3296	214	8	0	0	NUM
fsr-3296	214	9	�	�	PROPN
fsr-3296	214	10	0	0	NUM
fsr-3296	214	11	.	.	PUNCT
fsr-3296	214	12	02	02	NUM
fsr-3296	214	13	4	4	NUM
fsr-3296	214	14	�	�	PROPN
fsr-3296	214	15	0	0	NUM
fsr-3296	214	16	.	.	PUNCT
fsr-3296	214	17	00	00	NUM
fsr-3296	214	18	7	7	NUM
fsr-3296	214	19	0	0	NUM
fsr-3296	214	20	.	.	PUNCT
fsr-3296	214	21	00	00	NUM
fsr-3296	215	1	1	1	NUM
fsr-3296	215	2	0	0	NUM
fsr-3296	215	3	.	.	PUNCT
fsr-3296	216	1	05	05	NUM
fsr-3296	216	2	2	2	NUM
fsr-3296	216	3	0	0	NUM
fsr-3296	216	4	.	.	PUNCT
fsr-3296	217	1	01	01	NUM
fsr-3296	217	2	2	2	NUM
fsr-3296	217	3	0	0	NUM
fsr-3296	217	4	.	.	PUNCT
fsr-3296	217	5	00	00	NUM
fsr-3296	217	6	8	8	NUM
fsr-3296	217	7	m	m	NOUN
fsr-3296	217	8	at	at	ADP
fsr-3296	217	9	er	er	INTJ
fsr-3296	217	10	ia	ia	NOUN
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fsr-3296	217	12	m	m	VERB
fsr-3296	217	13	2	2	NUM
fsr-3296	217	14	.	.	NUM
fsr-3296	217	15	21	21	NUM
fsr-3296	217	16	3	3	NUM
fsr-3296	217	17	*	*	PUNCT
fsr-3296	217	18	*	*	PUNCT
fsr-3296	217	19	*	*	PUNCT
fsr-3296	217	20	0	0	NUM
fsr-3296	217	21	.	.	NOUN
fsr-3296	217	22	13	13	NUM
fsr-3296	217	23	6	6	NUM
fsr-3296	217	24	*	*	PUNCT
fsr-3296	217	25	*	*	PUNCT
fsr-3296	217	26	*	*	PUNCT
fsr-3296	217	27	0	0	NUM
fsr-3296	217	28	.	.	NUM
fsr-3296	218	1	16	16	NUM
fsr-3296	218	2	2	2	NUM
fsr-3296	218	3	*	*	PUNCT
fsr-3296	218	4	*	*	PUNCT
fsr-3296	218	5	*	*	PUNCT
fsr-3296	218	6	0	0	NUM
fsr-3296	218	7	.	.	NOUN
fsr-3296	218	8	12	12	NUM
fsr-3296	218	9	3	3	NUM
fsr-3296	218	10	*	*	PUNCT
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fsr-3296	218	12	*	*	PUNCT
fsr-3296	218	13	0	0	NUM
fsr-3296	218	14	.	.	NOUN
fsr-3296	218	15	10	10	NUM
fsr-3296	218	16	5	5	NUM
fsr-3296	218	17	*	*	PUNCT
fsr-3296	218	18	*	*	PUNCT
fsr-3296	218	19	*	*	PUNCT
fsr-3296	218	20	0	0	NUM
fsr-3296	218	21	.	.	NOUN
fsr-3296	218	22	10	10	NUM
fsr-3296	218	23	3	3	NUM
fsr-3296	218	24	*	*	SYM
fsr-3296	218	25	0	0	NUM
fsr-3296	218	26	.	.	PUNCT
fsr-3296	218	27	16	16	NUM
fsr-3296	218	28	2	2	NUM
fsr-3296	218	29	*	*	PUNCT
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fsr-3296	218	31	*	*	PUNCT
fsr-3296	218	32	0	0	NUM
fsr-3296	218	33	.	.	NUM
fsr-3296	219	1	05	05	NUM
fsr-3296	219	2	3	3	NUM
fsr-3296	219	3	0	0	NUM
fsr-3296	219	4	.	.	NOUN
fsr-3296	219	5	03	03	NUM
fsr-3296	219	6	4	4	NUM
fsr-3296	219	7	o	o	NOUN
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fsr-3296	219	9	nn	nn	INTJ
fsr-3296	219	10	es	es	X
fsr-3296	219	11	s	s	PROPN
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fsr-3296	219	13	0	0	NUM
fsr-3296	219	14	.	.	PUNCT
fsr-3296	220	1	38	38	NUM
fsr-3296	220	2	5	5	NUM
fsr-3296	220	3	�	�	PROPN
fsr-3296	220	4	0	0	NUM
fsr-3296	220	5	.	.	PUNCT
fsr-3296	220	6	00	00	NUM
fsr-3296	220	7	5	5	NUM
fsr-3296	220	8	�	�	PROPN
fsr-3296	220	9	0	0	NUM
fsr-3296	220	10	.	.	NOUN
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fsr-3296	220	13	0	0	NUM
fsr-3296	220	14	.	.	PUNCT
fsr-3296	220	15	00	00	NUM
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fsr-3296	220	17	0	0	NUM
fsr-3296	220	18	.	.	NOUN
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fsr-3296	220	20	6	6	NUM
fsr-3296	220	21	0	0	NUM
fsr-3296	220	22	.	.	PUNCT
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fsr-3296	220	26	0	0	NUM
fsr-3296	220	27	.	.	NOUN
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fsr-3296	220	31	.	.	PUNCT
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fsr-3296	220	35	.	.	PUNCT
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fsr-3296	220	45	.	.	PUNCT
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fsr-3296	221	5	.	.	PUNCT
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fsr-3296	221	22	.	.	PUNCT
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fsr-3296	259	3	*	*	PUNCT
fsr-3296	259	4	*	*	PUNCT
fsr-3296	259	5	*	*	PUNCT
fsr-3296	259	6	b	b	NOUN
fsr-3296	259	7	or	or	CCONJ
fsr-3296	259	8	r	r	NOUN
fsr-3296	259	9	h	h	NOUN
fsr-3296	259	10	is	be	AUX
fsr-3296	259	11	t	t	PROPN
fsr-3296	259	12	0	0	NUM
fsr-3296	259	13	.	.	PUNCT
fsr-3296	260	1	02	02	NUM
fsr-3296	260	2	9	9	NUM
fsr-3296	260	3	b	b	NOUN
fsr-3296	260	4	or	or	CCONJ
fsr-3296	260	5	r	r	NOUN
fsr-3296	260	6	h	h	NOUN
fsr-3296	260	7	is	be	AUX
fsr-3296	260	8	t	t	PROPN
fsr-3296	260	9	0	0	NUM
fsr-3296	260	10	.	.	PROPN
fsr-3296	261	1	01	01	NUM
fsr-3296	261	2	7	7	NUM
fsr-3296	261	3	b	b	NOUN
fsr-3296	261	4	or	or	CCONJ
fsr-3296	261	5	r	r	NOUN
fsr-3296	261	6	h	h	NOUN
fsr-3296	261	7	is	be	AUX
fsr-3296	261	8	t	t	PROPN
fsr-3296	261	9	0	0	NUM
fsr-3296	261	10	.	.	PUNCT
fsr-3296	262	1	06	06	NUM
fsr-3296	262	2	9	9	NUM
fsr-3296	262	3	b	b	NOUN
fsr-3296	262	4	or	or	CCONJ
fsr-3296	262	5	r	r	NOUN
fsr-3296	262	6	h	h	NOUN
fsr-3296	262	7	is	be	AUX
fsr-3296	262	8	t	t	PROPN
fsr-3296	262	9	�	�	PROPN
fsr-3296	262	10	0	0	NUM
fsr-3296	262	11	.	.	PUNCT
fsr-3296	263	1	16	16	NUM
fsr-3296	263	2	1	1	NUM
fsr-3296	263	3	b	b	NOUN
fsr-3296	263	4	or	or	CCONJ
fsr-3296	263	5	r	r	NOUN
fsr-3296	263	6	h	h	NOUN
fsr-3296	263	7	is	be	AUX
fsr-3296	263	8	t	t	PROPN
fsr-3296	263	9	0	0	NUM
fsr-3296	263	10	.	.	PUNCT
fsr-3296	264	1	38	38	NUM
fsr-3296	264	2	6	6	NUM
fsr-3296	264	3	*	*	PUNCT
fsr-3296	264	4	*	*	PUNCT
fsr-3296	264	5	b	b	NOUN
fsr-3296	264	6	or	or	CCONJ
fsr-3296	264	7	r	r	NOUN
fsr-3296	264	8	h	h	NOUN
fsr-3296	264	9	is	be	AUX
fsr-3296	264	10	t	t	PROPN
fsr-3296	264	11	0	0	NUM
fsr-3296	264	12	.	.	PROPN
fsr-3296	265	1	52	52	NUM
fsr-3296	265	2	1	1	NUM
fsr-3296	265	3	*	*	PUNCT
fsr-3296	265	4	*	*	PUNCT
fsr-3296	265	5	b	b	NOUN
fsr-3296	265	6	or	or	CCONJ
fsr-3296	265	7	r	r	NOUN
fsr-3296	265	8	h	h	NOUN
fsr-3296	265	9	is	be	AUX
fsr-3296	265	10	t	t	PROPN
fsr-3296	265	11	0	0	NUM
fsr-3296	265	12	.	.	PROPN
fsr-3296	266	1	26	26	NUM
fsr-3296	266	2	5	5	NUM
fsr-3296	266	3	*	*	PUNCT
fsr-3296	266	4	*	*	PUNCT
fsr-3296	266	5	*	*	PUNCT
fsr-3296	266	6	b	b	NOUN
fsr-3296	266	7	or	or	CCONJ
fsr-3296	266	8	r	r	NOUN
fsr-3296	266	9	h	h	NOUN
fsr-3296	266	10	is	be	AUX
fsr-3296	266	11	t	t	PROPN
fsr-3296	266	12	0	0	NUM
fsr-3296	266	13	.	.	PROPN
fsr-3296	267	1	31	31	NUM
fsr-3296	267	2	6	6	NUM
fsr-3296	267	3	*	*	PUNCT
fsr-3296	267	4	*	*	PUNCT
fsr-3296	267	5	*	*	PUNCT
fsr-3296	267	6	b	b	NOUN
fsr-3296	267	7	or	or	CCONJ
fsr-3296	267	8	r	r	NOUN
fsr-3296	267	9	h	h	NOUN
fsr-3296	267	10	is	be	AUX
fsr-3296	267	11	t	t	PROPN
fsr-3296	267	12	0	0	NUM
fsr-3296	267	13	.	.	PUNCT
fsr-3296	268	1	33	33	NUM
fsr-3296	268	2	4	4	NUM
fsr-3296	268	3	*	*	PUNCT
fsr-3296	268	4	*	*	PUNCT
fsr-3296	268	5	*	*	PUNCT
fsr-3296	268	6	b	b	NOUN
fsr-3296	268	7	or	or	CCONJ
fsr-3296	268	8	r	r	NOUN
fsr-3296	268	9	h	h	NOUN
fsr-3296	268	10	is	be	AUX
fsr-3296	268	11	t	t	PROPN
fsr-3296	268	12	1	1	NUM
fsr-3296	268	13	.	.	PUNCT
fsr-3296	268	14	32	32	NUM
fsr-3296	268	15	8	8	NUM
fsr-3296	268	16	*	*	PUNCT
fsr-3296	269	1	*	*	PUNCT
fsr-3296	269	2	*	*	PUNCT
fsr-3296	269	3	r	r	NOUN
fsr-3296	269	4	2	2	NUM
fsr-3296	269	5	0	0	NUM
fsr-3296	269	6	.	.	PUNCT
fsr-3296	269	7	17	17	NUM
fsr-3296	269	8	9	9	NUM
fsr-3296	269	9	0	0	NUM
fsr-3296	269	10	.	.	NOUN
fsr-3296	269	11	19	19	NUM
fsr-3296	269	12	1	1	NUM
fsr-3296	269	13	0	0	NUM
fsr-3296	269	14	.	.	PUNCT
fsr-3296	269	15	12	12	NUM
fsr-3296	269	16	7	7	NUM
fsr-3296	269	17	0	0	NUM
fsr-3296	269	18	.	.	PUNCT
fsr-3296	269	19	12	12	NUM
fsr-3296	269	20	1	1	NUM
fsr-3296	269	21	0	0	NUM
fsr-3296	269	22	.	.	PUNCT
fsr-3296	269	23	14	14	NUM
fsr-3296	269	24	7	7	NUM
fsr-3296	269	25	0	0	NUM
fsr-3296	269	26	.	.	PUNCT
fsr-3296	270	1	07	07	NUM
fsr-3296	270	2	0	0	NUM
fsr-3296	270	3	0	0	NUM
fsr-3296	270	4	.	.	NOUN
fsr-3296	270	5	15	15	NUM
fsr-3296	270	6	4	4	NUM
fsr-3296	270	7	0	0	NUM
fsr-3296	270	8	.	.	NOUN
fsr-3296	270	9	19	19	NUM
fsr-3296	270	10	2	2	NUM
fsr-3296	270	11	0	0	NUM
fsr-3296	270	12	.	.	NOUN
fsr-3296	270	13	30	30	NUM
fsr-3296	270	14	1	1	NUM
fsr-3296	270	15	a	a	DET
fsr-3296	270	16	dj	dj	NOUN
fsr-3296	270	17	.	.	PUNCT
fsr-3296	271	1	r	r	NOUN
fsr-3296	271	2	2	2	NUM
fsr-3296	271	3	0	0	NUM
fsr-3296	271	4	.	.	NOUN
fsr-3296	271	5	15	15	NUM
fsr-3296	271	6	8	8	NUM
fsr-3296	271	7	0	0	NUM
fsr-3296	271	8	.	.	PUNCT
fsr-3296	272	1	16	16	NUM
fsr-3296	272	2	8	8	NUM
fsr-3296	272	3	0	0	NUM
fsr-3296	272	4	.	.	PUNCT
fsr-3296	273	1	10	10	NUM
fsr-3296	273	2	0	0	NUM
fsr-3296	273	3	0	0	NUM
fsr-3296	273	4	.	.	NOUN
fsr-3296	273	5	09	09	NUM
fsr-3296	273	6	6	6	NUM
fsr-3296	273	7	0	0	NUM
fsr-3296	273	8	.	.	PUNCT
fsr-3296	274	1	12	12	NUM
fsr-3296	274	2	3	3	NUM
fsr-3296	274	3	0	0	NUM
fsr-3296	274	4	.	.	NOUN
fsr-3296	274	5	04	04	NUM
fsr-3296	274	6	4	4	NUM
fsr-3296	274	7	0	0	NUM
fsr-3296	274	8	.	.	PUNCT
fsr-3296	275	1	13	13	NUM
fsr-3296	275	2	0	0	NUM
fsr-3296	275	3	0	0	NUM
fsr-3296	275	4	.	.	PUNCT
fsr-3296	276	1	16	16	NUM
fsr-3296	276	2	9	9	NUM
fsr-3296	276	3	0	0	NUM
fsr-3296	276	4	.	.	PUNCT
fsr-3296	276	5	28	28	NUM
fsr-3296	276	6	2	2	NUM
fsr-3296	276	7	df	df	NOUN
fsr-3296	276	8	.	.	PUNCT
fsr-3296	277	1	r	r	NOUN
fsr-3296	277	2	eg	eg	NOUN
fsr-3296	277	3	re	re	VERB
fsr-3296	277	4	ss	ss	PROPN
fsr-3296	277	5	io	io	PROPN
fsr-3296	277	6	n	n	ADV
fsr-3296	277	7	84	84	NUM
fsr-3296	277	8	8	8	NUM
fsr-3296	277	9	84	84	NUM
fsr-3296	277	10	8	8	NUM
fsr-3296	277	11	84	84	NUM
fsr-3296	277	12	8	8	NUM
fsr-3296	277	13	84	84	NUM
fsr-3296	277	14	8	8	NUM
fsr-3296	277	15	84	84	NUM
fsr-3296	277	16	8	8	NUM
fsr-3296	277	17	84	84	NUM
fsr-3296	277	18	8	8	NUM
fsr-3296	277	19	84	84	NUM
fsr-3296	277	20	8	8	NUM
fsr-3296	277	21	84	84	NUM
fsr-3296	277	22	8	8	NUM
fsr-3296	277	23	84	84	NUM
fsr-3296	277	24	8	8	NUM
fsr-3296	277	25	(	(	PUNCT
fsr-3296	277	26	c	c	NOUN
fsr-3296	277	27	on	on	ADP
fsr-3296	277	28	ti	ti	PROPN
fsr-3296	277	29	nu	nu	PROPN
fsr-3296	277	30	ed	ed	PROPN
fsr-3296	277	31	on	on	ADP
fsr-3296	277	32	ne	ne	PROPN
fsr-3296	277	33	xt	xt	PROPN
fsr-3296	277	34	pa	pa	PROPN
fsr-3296	277	35	ge	ge	PROPN
fsr-3296	277	36	)	)	PUNCT
fsr-3296	277	37	66	66	NUM
fsr-3296	277	38	a.	a.	NOUN
fsr-3296	277	39	yazdanparast	yazdanparast	NOUN
fsr-3296	277	40	,	,	PUNCT
fsr-3296	277	41	y.	y.	PROPN
fsr-3296	277	42	alhenawi	alhenawi	PROPN
fsr-3296	277	43	/	/	SYM
fsr-3296	277	44	financial	financial	ADJ
fsr-3296	277	45	services	service	NOUN
fsr-3296	277	46	review	review	VERB
fsr-3296	277	47	26	26	NUM
fsr-3296	277	48	(	(	PUNCT
fsr-3296	277	49	2017	2017	NUM
fsr-3296	277	50	)	)	PUNCT
fsr-3296	277	51	55–85	55–85	NUM
fsr-3296	277	52	t	t	PROPN
fsr-3296	277	53	ab	ab	PROPN
fsr-3296	277	54	le	le	X
fsr-3296	277	55	2	2	PROPN
fsr-3296	277	56	(	(	PUNCT
fsr-3296	277	57	c	c	NOUN
fsr-3296	277	58	on	on	ADP
fsr-3296	277	59	tin	tin	NOUN
fsr-3296	277	60	ue	ue	PROPN
fsr-3296	277	61	d	d	PROPN
fsr-3296	277	62	)	)	PUNCT
fsr-3296	277	63	(	(	PUNCT
fsr-3296	277	64	1	1	X
fsr-3296	277	65	)	)	PUNCT
fsr-3296	277	66	a	a	DET
fsr-3296	277	67	tti	tti	PROPN
fsr-3296	277	68	tu	tu	X
fsr-3296	277	69	de	de	X
fsr-3296	277	70	(	(	PUNCT
fsr-3296	277	71	2	2	NUM
fsr-3296	277	72	)	)	PUNCT
fsr-3296	277	73	c	c	NOUN
fsr-3296	277	74	re	re	ADP
fsr-3296	277	75	di	di	PROPN
fsr-3296	277	76	t	t	PROPN
fsr-3296	277	77	ca	can	AUX
fsr-3296	277	78	rd	rd	PROPN
fsr-3296	277	79	(	(	PUNCT
fsr-3296	277	80	3	3	X
fsr-3296	277	81	)	)	PUNCT
fsr-3296	277	82	m	m	VERB
fsr-3296	277	83	or	or	CCONJ
fsr-3296	277	84	tg	tg	PROPN
fsr-3296	277	85	ag	ag	PROPN
fsr-3296	277	86	e	e	PROPN
fsr-3296	277	87	(	(	PUNCT
fsr-3296	277	88	4	4	X
fsr-3296	277	89	)	)	PUNCT
fsr-3296	277	90	h	h	NOUN
fsr-3296	277	91	om	om	NOUN
fsr-3296	277	92	e	e	PROPN
fsr-3296	278	1	i	i	PRON
fsr-3296	278	2	m	m	VERB
fsr-3296	278	3	pr	pr	INTJ
fsr-3296	279	1	ov	ov	INTJ
fsr-3296	279	2	em	em	PRON
fsr-3296	279	3	en	en	INTJ
fsr-3296	279	4	t	t	X
fsr-3296	279	5	lo	lo	PROPN
fsr-3296	279	6	an	an	DET
fsr-3296	279	7	(	(	PUNCT
fsr-3296	279	8	5	5	NUM
fsr-3296	279	9	)	)	PUNCT
fsr-3296	279	10	b	b	NOUN
fsr-3296	279	11	us	we	PRON
fsr-3296	279	12	in	in	ADP
fsr-3296	279	13	es	es	X
fsr-3296	279	14	s	s	VERB
fsr-3296	279	15	lo	lo	NOUN
fsr-3296	279	16	an	an	PRON
fsr-3296	279	17	(	(	PUNCT
fsr-3296	279	18	6	6	NUM
fsr-3296	279	19	)	)	PUNCT
fsr-3296	279	20	a	a	DET
fsr-3296	279	21	ut	ut	PROPN
fsr-3296	279	22	om	om	PROPN
fsr-3296	279	23	ob	ob	INTJ
fsr-3296	279	24	ile	ile	PROPN
fsr-3296	279	25	(	(	PUNCT
fsr-3296	279	26	7	7	NUM
fsr-3296	279	27	)	)	PUNCT
fsr-3296	279	28	st	st	PROPN
fsr-3296	280	1	ud	ud	INTJ
fsr-3296	280	2	en	en	PROPN
fsr-3296	280	3	t	t	PROPN
fsr-3296	280	4	lo	lo	PROPN
fsr-3296	280	5	an	an	DET
fsr-3296	280	6	(	(	PUNCT
fsr-3296	280	7	8	8	NUM
fsr-3296	280	8	)	)	PUNCT
fsr-3296	280	9	pe	pe	VERB
fsr-3296	280	10	rs	rs	NOUN
fsr-3296	280	11	on	on	ADP
fsr-3296	280	12	al	al	PROPN
fsr-3296	280	13	lo	lo	PROPN
fsr-3296	280	14	an	an	DET
fsr-3296	280	15	(	(	PUNCT
fsr-3296	280	16	9	9	NUM
fsr-3296	280	17	)	)	PUNCT
fsr-3296	281	1	pa	pa	PROPN
fsr-3296	281	2	yd	yd	NOUN
fsr-3296	281	3	ay	ay	PROPN
fsr-3296	281	4	lo	lo	PROPN
fsr-3296	281	5	an	an	DET
fsr-3296	281	6	df	df	NOUN
fsr-3296	281	7	.	.	PUNCT
fsr-3296	282	1	r	r	NOUN
fsr-3296	282	2	es	es	X
fsr-3296	282	3	i	i	PROPN
fsr-3296	282	4	d	d	PROPN
fsr-3296	282	5	ua	ua	PROPN
fsr-3296	282	6	l	l	PROPN
fsr-3296	282	7	82	82	NUM
fsr-3296	282	8	7	7	NUM
fsr-3296	282	9	82	82	NUM
fsr-3296	282	10	4	4	NUM
fsr-3296	282	11	82	82	NUM
fsr-3296	282	12	3	3	NUM
fsr-3296	282	13	82	82	NUM
fsr-3296	282	14	5	5	NUM
fsr-3296	282	15	82	82	NUM
fsr-3296	282	16	5	5	NUM
fsr-3296	282	17	82	82	NUM
fsr-3296	282	18	5	5	NUM
fsr-3296	282	19	82	82	NUM
fsr-3296	282	20	5	5	NUM
fsr-3296	282	21	82	82	NUM
fsr-3296	282	22	5	5	NUM
fsr-3296	282	23	82	82	NUM
fsr-3296	282	24	5	5	NUM
fsr-3296	282	25	fst	fst	NOUN
fsr-3296	282	26	at	at	ADP
fsr-3296	282	27	e	e	PROPN
fsr-3296	282	28	8	8	NUM
fsr-3296	282	29	.	.	PUNCT
fsr-3296	283	1	58	58	NUM
fsr-3296	283	2	0	0	NUM
fsr-3296	283	3	8	8	NUM
fsr-3296	283	4	.	.	PUNCT
fsr-3296	283	5	11	11	NUM
fsr-3296	283	6	8	8	NUM
fsr-3296	283	7	4	4	NUM
fsr-3296	283	8	.	.	X
fsr-3296	283	9	78	78	NUM
fsr-3296	283	10	1	1	NUM
fsr-3296	283	11	4	4	NUM
fsr-3296	283	12	.	.	PUNCT
fsr-3296	283	13	92	92	NUM
fsr-3296	283	14	9	9	NUM
fsr-3296	283	15	6	6	NUM
fsr-3296	283	16	.	.	NOUN
fsr-3296	283	17	17	17	NUM
fsr-3296	283	18	4	4	NUM
fsr-3296	283	19	2	2	NUM
fsr-3296	283	20	.	.	PUNCT
fsr-3296	283	21	70	70	NUM
fsr-3296	283	22	4	4	NUM
fsr-3296	283	23	6	6	NUM
fsr-3296	283	24	.	.	PUNCT
fsr-3296	284	1	51	51	NUM
fsr-3296	284	2	0	0	NUM
fsr-3296	284	3	8	8	NUM
fsr-3296	284	4	.	.	X
fsr-3296	284	5	50	50	NUM
fsr-3296	284	6	9	9	NUM
fsr-3296	284	7	15	15	NUM
fsr-3296	284	8	.4	.4	NUM
fsr-3296	284	9	81	81	NUM
fsr-3296	284	10	si	si	X
fsr-3296	284	11	g.	g.	PROPN
fsr-3296	284	12	0	0	NUM
fsr-3296	284	13	.	.	PUNCT
fsr-3296	284	14	00	00	NUM
fsr-3296	285	1	0	0	NUM
fsr-3296	285	2	0	0	NUM
fsr-3296	285	3	.	.	PUNCT
fsr-3296	285	4	00	00	NUM
fsr-3296	285	5	0	0	NUM
fsr-3296	285	6	0	0	NUM
fsr-3296	285	7	.	.	PUNCT
fsr-3296	285	8	00	00	NUM
fsr-3296	285	9	0	0	NUM
fsr-3296	285	10	0	0	NUM
fsr-3296	285	11	.	.	PUNCT
fsr-3296	285	12	00	00	NUM
fsr-3296	285	13	0	0	NUM
fsr-3296	285	14	0	0	NUM
fsr-3296	285	15	.	.	PUNCT
fsr-3296	285	16	00	00	NUM
fsr-3296	285	17	0	0	NUM
fsr-3296	285	18	0	0	NUM
fsr-3296	285	19	.	.	PUNCT
fsr-3296	285	20	00	00	NUM
fsr-3296	285	21	0	0	NUM
fsr-3296	285	22	0	0	NUM
fsr-3296	285	23	.	.	PUNCT
fsr-3296	285	24	00	00	NUM
fsr-3296	285	25	0	0	NUM
fsr-3296	285	26	0	0	NUM
fsr-3296	285	27	.	.	PUNCT
fsr-3296	285	28	00	00	NUM
fsr-3296	285	29	0	0	NUM
fsr-3296	285	30	0	0	NUM
fsr-3296	285	31	.	.	PUNCT
fsr-3296	285	32	00	00	NUM
fsr-3296	285	33	0	0	NUM
fsr-3296	286	1	n	n	PRON
fsr-3296	286	2	ot	ot	INTJ
fsr-3296	286	3	es	es	X
fsr-3296	286	4	:	:	PUNCT
fsr-3296	286	5	t	t	PROPN
fsr-3296	286	6	he	he	PRON
fsr-3296	286	7	ta	ta	PROPN
fsr-3296	286	8	bl	bl	PROPN
fsr-3296	286	9	e	e	NOUN
fsr-3296	286	10	sh	sh	PROPN
fsr-3296	287	1	ow	ow	PROPN
fsr-3296	287	2	s	s	X
fsr-3296	287	3	th	th	X
fsr-3296	287	4	e	e	X
fsr-3296	287	5	re	re	X
fsr-3296	287	6	su	su	PROPN
fsr-3296	287	7	lts	lts	PROPN
fsr-3296	287	8	of	of	ADP
fsr-3296	287	9	ei	ei	PROPN
fsr-3296	287	10	gh	gh	PROPN
fsr-3296	287	11	t	t	PROPN
fsr-3296	287	12	re	re	PROPN
fsr-3296	287	13	gr	gr	PROPN
fsr-3296	287	14	es	es	X
fsr-3296	287	15	si	si	X
fsr-3296	287	16	on	on	ADP
fsr-3296	287	17	s	s	X
fsr-3296	287	18	th	th	X
fsr-3296	287	19	at	at	ADP
fsr-3296	287	20	co	co	PROPN
fsr-3296	287	21	rr	rr	PROPN
fsr-3296	287	22	es	es	ADP
fsr-3296	287	23	po	po	PROPN
fsr-3296	287	24	nd	nd	ADV
fsr-3296	287	25	to	to	ADP
fsr-3296	287	26	th	th	ADP
fsr-3296	287	27	e	e	X
fsr-3296	287	28	ei	ei	X
fsr-3296	287	29	gh	gh	PROPN
fsr-3296	287	30	t	t	PROPN
fsr-3296	287	31	di	di	X
fsr-3296	288	1	ff	ff	INTJ
fsr-3296	288	2	er	er	INTJ
fsr-3296	288	3	en	en	ADP
fsr-3296	288	4	t	t	PROPN
fsr-3296	288	5	bo	bo	PROPN
fsr-3296	288	6	rr	rr	PROPN
fsr-3296	288	7	ow	ow	INTJ
fsr-3296	288	8	in	in	ADP
fsr-3296	288	9	g	g	NOUN
fsr-3296	288	10	op	op	NOUN
fsr-3296	288	11	tio	tio	NOUN
fsr-3296	289	1	ns	ns	INTJ
fsr-3296	289	2	em	em	PRON
fsr-3296	289	3	pl	pl	X
fsr-3296	289	4	oy	oy	NUM
fsr-3296	289	5	ed	ed	NOUN
fsr-3296	289	6	in	in	ADP
fsr-3296	289	7	th	th	PROPN
fsr-3296	289	8	is	be	AUX
fsr-3296	289	9	st	st	PROPN
fsr-3296	289	10	ud	ud	INTJ
fsr-3296	289	11	y	y	PROPN
fsr-3296	289	12	(	(	PUNCT
fsr-3296	289	13	r	r	NOUN
fsr-3296	289	14	eg	eg	NOUN
fsr-3296	289	15	re	re	NOUN
fsr-3296	289	16	ss	ss	NOUN
fsr-3296	289	17	io	io	X
fsr-3296	290	1	ns	ns	NUM
fsr-3296	290	2	2	2	NUM
fsr-3296	290	3	th	th	NOUN
fsr-3296	290	4	ro	ro	NOUN
fsr-3296	290	5	ug	ug	ADP
fsr-3296	290	6	h	h	PROPN
fsr-3296	290	7	9	9	NUM
fsr-3296	290	8	)	)	PUNCT
fsr-3296	290	9	.i	.i	NOUN
fsr-3296	291	1	ta	ta	ADP
fsr-3296	292	1	ls	ls	INTJ
fsr-3296	292	2	o	o	INTJ
fsr-3296	292	3	sh	sh	INTJ
fsr-3296	292	4	ow	ow	INTJ
fsr-3296	292	5	s	s	VERB
fsr-3296	292	6	a	a	DET
fsr-3296	292	7	re	re	ADJ
fsr-3296	292	8	gr	gr	NOUN
fsr-3296	292	9	es	es	X
fsr-3296	292	10	si	si	X
fsr-3296	292	11	on	on	ADP
fsr-3296	292	12	w	w	INTJ
fsr-3296	292	13	he	he	PRON
fsr-3296	292	14	re	re	X
fsr-3296	292	15	th	th	X
fsr-3296	292	16	e	e	X
fsr-3296	292	17	de	de	X
fsr-3296	292	18	pe	pe	PROPN
fsr-3296	292	19	nd	nd	PROPN
fsr-3296	292	20	en	en	PROPN
fsr-3296	292	21	tv	tv	PROPN
fsr-3296	292	22	ar	ar	PROPN
fsr-3296	292	23	ia	ia	PROPN
fsr-3296	292	24	bl	bl	PROPN
fsr-3296	292	25	e	e	PROPN
fsr-3296	292	26	is	be	AUX
fsr-3296	292	27	th	th	X
fsr-3296	292	28	e	e	NOUN
fsr-3296	292	29	at	at	ADP
fsr-3296	292	30	tit	tit	NOUN
fsr-3296	292	31	ud	ud	ADP
fsr-3296	292	32	e	e	X
fsr-3296	292	33	to	to	ADP
fsr-3296	292	34	w	w	PROPN
fsr-3296	292	35	ar	ar	PROPN
fsr-3296	293	1	d	d	PROPN
fsr-3296	293	2	bo	bo	PROPN
fsr-3296	293	3	rr	rr	INTJ
fsr-3296	293	4	ow	ow	INTJ
fsr-3296	293	5	in	in	ADP
fsr-3296	293	6	g	g	PROPN
fsr-3296	293	7	(	(	PUNCT
fsr-3296	293	8	r	r	NOUN
fsr-3296	293	9	eg	eg	NOUN
fsr-3296	293	10	re	re	NOUN
fsr-3296	293	11	ss	ss	PROPN
fsr-3296	293	12	io	io	PROPN
fsr-3296	293	13	n	n	PROPN
fsr-3296	293	14	1	1	NUM
fsr-3296	293	15	)	)	PUNCT
fsr-3296	293	16	.w	.w	NOUN
fsr-3296	294	1	e	e	PROPN
fsr-3296	294	2	fir	fir	PROPN
fsr-3296	294	3	st	st	PROPN
fsr-3296	294	4	es	es	PROPN
fsr-3296	294	5	tim	tim	PROPN
fsr-3296	294	6	at	at	ADP
fsr-3296	294	7	e	e	PROPN
fsr-3296	294	8	fu	fu	PROPN
fsr-3296	294	9	ll	ll	AUX
fsr-3296	294	10	m	m	PROPN
fsr-3296	294	11	od	od	PROPN
fsr-3296	294	12	el	el	PROPN
fsr-3296	294	13	s	s	X
fsr-3296	294	14	th	th	X
fsr-3296	294	15	at	at	ADP
fsr-3296	294	16	in	in	ADP
fsr-3296	294	17	cl	cl	NOUN
fsr-3296	294	18	ud	ud	INTJ
fsr-3296	294	19	e	e	PROPN
fsr-3296	294	20	al	al	PROPN
fsr-3296	294	21	lp	lp	PROPN
fsr-3296	294	22	os	os	INTJ
fsr-3296	294	23	si	si	PROPN
fsr-3296	294	24	bl	bl	PROPN
fsr-3296	294	25	e	e	X
fsr-3296	294	26	ex	ex	X
fsr-3296	294	27	pl	pl	X
fsr-3296	294	28	an	an	DET
fsr-3296	294	29	at	at	ADP
fsr-3296	294	30	or	or	CCONJ
fsr-3296	294	31	y	y	PROPN
fsr-3296	294	32	va	va	PROPN
fsr-3296	294	33	ri	ri	PROPN
fsr-3296	294	34	ab	ab	PROPN
fsr-3296	294	35	le	le	PROPN
fsr-3296	294	36	s.	s.	PROPN
fsr-3296	294	37	t	t	PROPN
fsr-3296	294	38	he	he	PRON
fsr-3296	294	39	n	n	CCONJ
fsr-3296	294	40	,	,	PUNCT
fsr-3296	294	41	w	w	PROPN
fsr-3296	294	42	e	e	NOUN
fsr-3296	294	43	sh	sh	NOUN
fsr-3296	294	44	or	or	CCONJ
fsr-3296	294	45	te	te	PROPN
fsr-3296	294	46	n	n	ADV
fsr-3296	294	47	th	th	X
fsr-3296	294	48	e	e	X
fsr-3296	294	49	m	m	PROPN
fsr-3296	294	50	od	od	PROPN
fsr-3296	294	51	el	el	PROPN
fsr-3296	294	52	s	s	PROPN
fsr-3296	294	53	to	to	PART
fsr-3296	294	54	in	in	ADP
fsr-3296	294	55	cl	cl	NOUN
fsr-3296	294	56	ud	ud	INTJ
fsr-3296	294	57	e	e	PROPN
fsr-3296	294	58	si	si	PROPN
fsr-3296	294	59	gn	gn	PROPN
fsr-3296	294	60	ifi	ifi	PROPN
fsr-3296	294	61	ca	can	AUX
fsr-3296	294	62	nt	not	PART
fsr-3296	294	63	va	va	PROPN
fsr-3296	294	64	ri	ri	PROPN
fsr-3296	295	1	ab	ab	PROPN
fsr-3296	295	2	le	le	PROPN
fsr-3296	295	3	s	s	PROPN
fsr-3296	295	4	on	on	ADV
fsr-3296	295	5	ly	ly	ADP
fsr-3296	295	6	.w	.w	NOUN
fsr-3296	296	1	e	e	X
fsr-3296	296	2	fo	fo	ADP
fsr-3296	296	3	un	un	PROPN
fsr-3296	296	4	d	d	X
fsr-3296	296	5	th	th	X
fsr-3296	296	6	e	e	X
fsr-3296	296	7	di	di	X
fsr-3296	296	8	ff	ff	INTJ
fsr-3296	296	9	er	er	INTJ
fsr-3296	296	10	en	en	PROPN
fsr-3296	296	11	ce	ce	PROPN
fsr-3296	296	12	s	s	PART
fsr-3296	296	13	be	be	AUX
fsr-3296	296	14	tw	tw	INTJ
fsr-3296	296	15	ee	ee	ADP
fsr-3296	296	16	n	n	ADV
fsr-3296	296	17	th	th	X
fsr-3296	296	18	e	e	X
fsr-3296	296	19	ex	ex	X
fsr-3296	296	20	pa	pa	PROPN
fsr-3296	296	21	nd	nd	PROPN
fsr-3296	296	22	ed	ed	PROPN
fsr-3296	296	23	m	m	PROPN
fsr-3296	296	24	od	od	PROPN
fsr-3296	296	25	el	el	PROPN
fsr-3296	296	26	s	s	PROPN
fsr-3296	296	27	an	an	PRON
fsr-3296	296	28	d	d	X
fsr-3296	296	29	th	th	X
fsr-3296	296	30	e	e	X
fsr-3296	296	31	co	co	PROPN
fsr-3296	296	32	nc	nc	PROPN
fsr-3296	296	33	is	be	AUX
fsr-3296	296	34	e	e	PROPN
fsr-3296	296	35	m	m	PROPN
fsr-3296	296	36	od	od	PROPN
fsr-3296	296	37	el	el	PROPN
fsr-3296	296	38	s	s	VERB
fsr-3296	296	39	to	to	PART
fsr-3296	296	40	be	be	AUX
fsr-3296	296	41	tr	tr	VERB
fsr-3296	296	42	iv	iv	NUM
fsr-3296	296	43	ia	ia	PROPN
fsr-3296	296	44	l.	l.	PROPN
fsr-3296	296	45	t	t	PROPN
fsr-3296	297	1	he	he	PRON
fsr-3296	297	2	re	re	VERB
fsr-3296	297	3	fo	fo	ADP
fsr-3296	297	4	re	re	ADP
fsr-3296	297	5	,	,	PUNCT
fsr-3296	297	6	w	w	PROPN
fsr-3296	297	7	e	e	NOUN
fsr-3296	297	8	on	on	ADP
fsr-3296	297	9	ly	ly	X
fsr-3296	297	10	re	re	VERB
fsr-3296	297	11	po	po	PROPN
fsr-3296	297	12	rt	rt	PROPN
fsr-3296	297	13	th	th	X
fsr-3296	297	14	e	e	X
fsr-3296	297	15	fin	fin	NOUN
fsr-3296	297	16	di	di	X
fsr-3296	297	17	ng	ng	PROPN
fsr-3296	297	18	of	of	ADP
fsr-3296	297	19	th	th	X
fsr-3296	297	20	e	e	X
fsr-3296	297	21	co	co	PROPN
fsr-3296	297	22	nc	nc	PROPN
fsr-3296	297	23	is	be	AUX
fsr-3296	297	24	e	e	PROPN
fsr-3296	297	25	m	m	PROPN
fsr-3296	297	26	od	od	PROPN
fsr-3296	297	27	el	el	PROPN
fsr-3296	297	28	s	s	PROPN
fsr-3296	298	1	w	w	PROPN
fsr-3296	298	2	hi	hi	INTJ
fsr-3296	298	3	ch	ch	NOUN
fsr-3296	298	4	ha	ha	INTJ
fsr-3296	298	5	ve	ve	VERB
fsr-3296	298	6	th	th	X
fsr-3296	298	7	e	e	NOUN
fsr-3296	298	8	fo	fo	INTJ
fsr-3296	298	9	llo	llo	INTJ
fsr-3296	298	10	w	w	NOUN
fsr-3296	298	11	in	in	ADP
fsr-3296	298	12	g	g	PROPN
fsr-3296	299	1	ge	ge	PROPN
fsr-3296	299	2	ne	ne	PROPN
fsr-3296	299	3	ra	ra	PROPN
fsr-3296	300	1	l	l	NOUN
fsr-3296	300	2	fo	fo	INTJ
fsr-3296	300	3	rm	rm	NOUN
fsr-3296	300	4	:	:	PUNCT
fsr-3296	300	5	b	b	X
fsr-3296	300	6	o	o	X
fsr-3296	300	7	rr	rr	NOUN
fsr-3296	300	8	in	in	ADP
fsr-3296	300	9	tn	tn	PROPN
fsr-3296	300	10	�	�	PROPN
fsr-3296	300	11	c	c	PROPN
fsr-3296	300	12	�	�	PROPN
fsr-3296	300	13	in	in	ADP
fsr-3296	300	14	tr	tr	NOUN
fsr-3296	300	15	v	v	PROPN
fsr-3296	300	16	�	�	PROPN
fsr-3296	300	17	m	m	VERB
fsr-3296	300	18	a	a	DET
fsr-3296	300	19	tr	tr	NOUN
fsr-3296	300	20	�	�	PROPN
fsr-3296	300	21	o	o	NOUN
fsr-3296	300	22	p	p	NOUN
fsr-3296	300	23	n	n	PROPN
fsr-3296	300	24	s	s	PROPN
fsr-3296	300	25	�	�	PROPN
fsr-3296	300	26	n	n	CCONJ
fsr-3296	300	27	eu	eu	PROPN
fsr-3296	300	28	ro	ro	PROPN
fsr-3296	300	29	�	�	PROPN
fsr-3296	300	30	a	a	DET
fsr-3296	300	31	g	g	NOUN
fsr-3296	300	32	re	re	X
fsr-3296	300	33	e	e	X
fsr-3296	300	34	�	�	PROPN
fsr-3296	300	35	c	c	NOUN
fsr-3296	300	36	o	o	PROPN
fsr-3296	300	37	n	n	X
fsr-3296	300	38	s	s	PROPN
fsr-3296	300	39	�	�	PROPN
fsr-3296	300	40	a	a	DET
fsr-3296	300	41	ro	ro	X
fsr-3296	300	42	u	u	PROPN
fsr-3296	300	43	s	s	PROPN
fsr-3296	300	44	�	�	PROPN
fsr-3296	300	45	b	b	PROPN
fsr-3296	301	1	o	o	PROPN
fsr-3296	301	2	rr	rr	PROPN
fsr-3296	301	3	s	s	X
fsr-3296	301	4	ta	ta	PROPN
fsr-3296	301	5	t	t	PROPN
fsr-3296	301	6	a	a	DET
fsr-3296	301	7	p	p	X
fsr-3296	301	8	ld	ld	PROPN
fsr-3296	301	9	�	�	PROPN
fsr-3296	301	10	b	b	PROPN
fsr-3296	301	11	o	o	PROPN
fsr-3296	301	12	rr	rr	PROPN
fsr-3296	301	13	s	s	X
fsr-3296	301	14	ta	ta	PROPN
fsr-3296	301	15	t	t	PROPN
fsr-3296	301	16	b	b	PROPN
fsr-3296	301	17	n	n	CCONJ
fsr-3296	301	18	kr	kr	PROPN
fsr-3296	301	19	p	p	PROPN
fsr-3296	301	20	t	t	PROPN
fsr-3296	301	21	�	�	PROPN
fsr-3296	301	22	b	b	PROPN
fsr-3296	301	23	o	o	PROPN
fsr-3296	301	24	rr	rr	PROPN
fsr-3296	301	25	s	s	X
fsr-3296	301	26	ta	ta	PROPN
fsr-3296	301	27	t	t	X
fsr-3296	301	28	o	o	NOUN
fsr-3296	301	29	n	n	CCONJ
fsr-3296	301	30	ti	ti	NOUN
fsr-3296	301	31	m	m	NOUN
fsr-3296	301	32	e	e	NOUN
fsr-3296	301	33	�	�	PROPN
fsr-3296	301	34	b	b	PROPN
fsr-3296	301	35	o	o	PROPN
fsr-3296	301	36	rr	rr	PROPN
fsr-3296	301	37	s	s	X
fsr-3296	301	38	ta	ta	PROPN
fsr-3296	301	39	t	t	PROPN
fsr-3296	302	1	d	d	PROPN
fsr-3296	302	2	efl	efl	PROPN
fsr-3296	302	3	t	t	PROPN
fsr-3296	302	4	�	�	PROPN
fsr-3296	303	1	b	b	PROPN
fsr-3296	303	2	o	o	PROPN
fsr-3296	303	3	rr	rr	PROPN
fsr-3296	303	4	s	s	X
fsr-3296	303	5	ta	ta	PROPN
fsr-3296	303	6	t	t	PROPN
fsr-3296	303	7	b	b	PROPN
fsr-3296	303	8	n	n	CCONJ
fsr-3296	303	9	kr	kr	PROPN
fsr-3296	304	1	p	p	NOUN
fsr-3296	304	2	tf	tf	PROPN
fsr-3296	304	3	u	u	PROPN
fsr-3296	304	4	tu	tu	X
fsr-3296	304	5	re	re	X
fsr-3296	304	6	�	�	PROPN
fsr-3296	304	7	a	a	DET
fsr-3296	304	8	tt	tt	PROPN
fsr-3296	304	9	p	p	X
fsr-3296	304	10	ln	ln	ADJ
fsr-3296	304	11	g	g	PROPN
fsr-3296	304	12	�	�	PROPN
fsr-3296	304	13	f	f	PROPN
fsr-3296	304	14	in	in	ADP
fsr-3296	304	15	q	q	PROPN
fsr-3296	304	16	u	u	PROPN
fsr-3296	304	17	iz	iz	INTJ
fsr-3296	304	18	�	�	PROPN
fsr-3296	305	1	o	o	PROPN
fsr-3296	305	2	w	w	NOUN
fsr-3296	305	3	n	n	NUM
fsr-3296	305	4	h	h	NOUN
fsr-3296	305	5	o	o	X
fsr-3296	305	6	u	u	X
fsr-3296	305	7	se	se	X
fsr-3296	305	8	�	�	PROPN
fsr-3296	305	9	in	in	ADP
fsr-3296	305	10	co	co	NOUN
fsr-3296	305	11	m	m	PROPN
fsr-3296	305	12	e	e	PROPN
fsr-3296	305	13	�	�	PROPN
fsr-3296	305	14	c	c	PROPN
fsr-3296	305	15	rd	rd	PROPN
fsr-3296	305	16	t	t	PROPN
fsr-3296	305	17	s	s	AUX
fsr-3296	305	18	co	co	X
fsr-3296	305	19	re	re	PROPN
fsr-3296	305	20	�	�	PROPN
fsr-3296	305	21	f	f	PROPN
fsr-3296	305	22	in	in	ADP
fsr-3296	305	23	a	a	DET
fsr-3296	305	24	d	d	X
fsr-3296	305	25	vi	vi	NOUN
fsr-3296	306	1	so	so	ADV
fsr-3296	306	2	r	r	NOUN
fsr-3296	306	3	�	�	PROPN
fsr-3296	306	4	s	s	PROPN
fsr-3296	306	5	el	el	PROPN
fsr-3296	306	6	fe	fe	PROPN
fsr-3296	306	7	va	va	PROPN
fsr-3296	306	8	l	l	PROPN
fsr-3296	306	9	�	�	PROPN
fsr-3296	306	10	c	c	NOUN
fsr-3296	306	11	o	o	NOUN
fsr-3296	306	12	n	n	CCONJ
fsr-3296	306	13	f	f	X
fsr-3296	306	14	�	�	PROPN
fsr-3296	306	15	e	e	PROPN
fsr-3296	306	16	d	d	PROPN
fsr-3296	306	17	u	u	PRON
fsr-3296	306	18	�	�	PROPN
fsr-3296	306	19	a	a	PRON
fsr-3296	306	20	tt	tt	PROPN
fsr-3296	306	21	b	b	PROPN
fsr-3296	307	1	o	o	X
fsr-3296	307	2	rr	rr	NOUN
fsr-3296	307	3	o	o	X
fsr-3296	308	1	w	w	PROPN
fsr-3296	308	2	�	�	PROPN
fsr-3296	308	3	b	b	PROPN
fsr-3296	308	4	o	o	X
fsr-3296	308	5	rr	rr	PROPN
fsr-3296	308	6	h	h	PROPN
fsr-3296	308	7	is	be	AUX
fsr-3296	308	8	t	t	PROPN
fsr-3296	308	9	b	b	PROPN
fsr-3296	308	10	or	or	CCONJ
fsr-3296	308	11	ri	ri	PROPN
fsr-3296	308	12	nt	not	PART
fsr-3296	308	13	n	n	PROPN
fsr-3296	308	14	is	be	AUX
fsr-3296	308	15	th	th	X
fsr-3296	308	16	e	e	X
fsr-3296	308	17	bo	bo	PROPN
fsr-3296	308	18	rr	rr	PROPN
fsr-3296	308	19	ow	ow	INTJ
fsr-3296	308	20	in	in	ADP
fsr-3296	308	21	g	g	PROPN
fsr-3296	308	22	in	in	ADP
fsr-3296	308	23	te	te	PROPN
fsr-3296	308	24	nt	not	PART
fsr-3296	308	25	io	io	PROPN
fsr-3296	308	26	n	n	PROPN
fsr-3296	309	1	va	va	PROPN
fsr-3296	309	2	ri	ri	PROPN
fsr-3296	309	3	ab	ab	PROPN
fsr-3296	309	4	le	le	X
fsr-3296	309	5	th	th	PROPN
fsr-3296	309	6	at	at	ADP
fsr-3296	309	7	ca	can	AUX
fsr-3296	309	8	pt	pt	INTJ
fsr-3296	309	9	ur	ur	INTJ
fsr-3296	309	10	es	es	X
fsr-3296	309	11	th	th	X
fsr-3296	309	12	e	e	X
fsr-3296	309	13	re	re	ADP
fsr-3296	309	14	sp	sp	ADP
fsr-3296	309	15	on	on	ADP
fsr-3296	309	16	de	de	X
fsr-3296	309	17	nt	nt	NOUN
fsr-3296	309	18	s	s	PART
fsr-3296	309	19	’	'	PUNCT
fsr-3296	309	20	in	in	ADP
fsr-3296	309	21	te	te	PROPN
fsr-3296	309	22	nt	not	PART
fsr-3296	309	23	io	io	PROPN
fsr-3296	309	24	n	n	PART
fsr-3296	309	25	to	to	ADP
fsr-3296	309	26	us	we	PRON
fsr-3296	309	27	e	e	PROPN
fsr-3296	309	28	a	a	PROPN
fsr-3296	309	29	ce	ce	PROPN
fsr-3296	309	30	rt	rt	PROPN
fsr-3296	309	31	ai	ai	VERB
fsr-3296	309	32	n	n	ADV
fsr-3296	309	33	ty	ty	INTJ
fsr-3296	309	34	pe	pe	INTJ
fsr-3296	309	35	of	of	ADP
fsr-3296	309	36	bo	bo	PROPN
fsr-3296	309	37	rr	rr	PROPN
fsr-3296	309	38	ow	ow	INTJ
fsr-3296	309	39	in	in	ADP
fsr-3296	309	40	g.	g.	PROPN
fsr-3296	309	41	in	in	ADP
fsr-3296	309	42	tr	tr	NOUN
fsr-3296	309	43	v	v	NOUN
fsr-3296	309	44	,	,	PUNCT
fsr-3296	309	45	m	m	VERB
fsr-3296	309	46	at	at	ADP
fsr-3296	309	47	r	r	NOUN
fsr-3296	309	48	,	,	PUNCT
fsr-3296	309	49	o	o	PROPN
fsr-3296	309	50	pn	pn	PROPN
fsr-3296	309	51	s	s	PROPN
fsr-3296	309	52	,	,	PUNCT
fsr-3296	309	53	n	n	PROPN
fsr-3296	309	54	eu	eu	PROPN
fsr-3296	309	55	ro	ro	PROPN
fsr-3296	309	56	,	,	PUNCT
fsr-3296	309	57	a	a	DET
fsr-3296	309	58	gr	gr	NOUN
fsr-3296	309	59	ee	ee	NOUN
fsr-3296	309	60	,	,	PUNCT
fsr-3296	309	61	c	c	PROPN
fsr-3296	309	62	on	on	ADP
fsr-3296	309	63	s	s	PRON
fsr-3296	309	64	,	,	PUNCT
fsr-3296	309	65	a	a	DET
fsr-3296	309	66	ro	ro	X
fsr-3296	309	67	us	we	PRON
fsr-3296	309	68	re	re	AUX
fsr-3296	309	69	pr	pr	X
fsr-3296	309	70	es	es	X
fsr-3296	309	71	en	en	X
fsr-3296	309	72	ts	ts	X
fsr-3296	309	73	ev	ev	X
fsr-3296	309	74	en	en	X
fsr-3296	309	75	pe	pe	X
fsr-3296	309	76	rs	rs	PROPN
fsr-3296	309	77	on	on	ADP
fsr-3296	309	78	al	al	PROPN
fsr-3296	309	79	ity	ity	PROPN
fsr-3296	309	80	tr	tr	VERB
fsr-3296	309	81	ai	ai	VERB
fsr-3296	309	82	ts	ts	ADP
fsr-3296	309	83	.b	.b	ADV
fsr-3296	310	1	or	or	CCONJ
fsr-3296	310	2	r	r	NOUN
fsr-3296	310	3	s	s	PROPN
fsr-3296	310	4	ta	ta	X
fsr-3296	310	5	t	t	PROPN
fsr-3296	310	6	a	a	PRON
fsr-3296	310	7	pl	pl	PROPN
fsr-3296	310	8	d	d	PROPN
fsr-3296	310	9	,	,	PUNCT
fsr-3296	310	10	b	b	NOUN
fsr-3296	310	11	or	or	CCONJ
fsr-3296	310	12	r	r	NOUN
fsr-3296	310	13	s	s	PROPN
fsr-3296	310	14	ta	ta	X
fsr-3296	310	15	t	t	PROPN
fsr-3296	310	16	b	b	PROPN
fsr-3296	310	17	nk	nk	PROPN
fsr-3296	310	18	r	r	PROPN
fsr-3296	310	19	pt	pt	PROPN
fsr-3296	310	20	,	,	PUNCT
fsr-3296	310	21	b	b	PROPN
fsr-3296	310	22	or	or	CCONJ
fsr-3296	310	23	r	r	NOUN
fsr-3296	310	24	s	s	PROPN
fsr-3296	310	25	ta	ta	X
fsr-3296	310	26	t	t	X
fsr-3296	310	27	o	o	X
fsr-3296	310	28	nt	not	PART
fsr-3296	310	29	i	i	PRON
fsr-3296	310	30	m	m	VERB
fsr-3296	310	31	e	e	NOUN
fsr-3296	310	32	,	,	PUNCT
fsr-3296	310	33	b	b	NOUN
fsr-3296	310	34	or	or	CCONJ
fsr-3296	310	35	r	r	NOUN
fsr-3296	310	36	s	s	PROPN
fsr-3296	310	37	ta	ta	X
fsr-3296	310	38	t	t	PROPN
fsr-3296	310	39	d	d	PROPN
fsr-3296	310	40	efl	efl	PROPN
fsr-3296	310	41	t	t	PROPN
fsr-3296	310	42	,	,	PUNCT
fsr-3296	310	43	a	a	DET
fsr-3296	310	44	nd	nd	NOUN
fsr-3296	310	45	b	b	NOUN
fsr-3296	310	46	or	or	CCONJ
fsr-3296	310	47	r	r	NOUN
fsr-3296	310	48	s	s	PROPN
fsr-3296	310	49	ta	ta	X
fsr-3296	310	50	t	t	PROPN
fsr-3296	310	51	b	b	PROPN
fsr-3296	310	52	nk	nk	PROPN
fsr-3296	310	53	r	r	NOUN
fsr-3296	310	54	pt	pt	PROPN
fsr-3296	311	1	f	f	PROPN
fsr-3296	311	2	ut	ut	PROPN
fsr-3296	311	3	ur	ur	INTJ
fsr-3296	311	4	e	e	PROPN
fsr-3296	311	5	ca	can	AUX
fsr-3296	311	6	pt	pt	VERB
fsr-3296	311	7	ur	ur	INTJ
fsr-3296	311	8	e	e	PROPN
fsr-3296	311	9	w	w	NOUN
fsr-3296	311	10	he	he	PRON
fsr-3296	311	11	th	th	INTJ
fsr-3296	311	12	er	er	INTJ
fsr-3296	311	13	or	or	CCONJ
fsr-3296	311	14	no	no	INTJ
fsr-3296	311	15	tt	tt	INTJ
fsr-3296	311	16	he	he	PRON
fsr-3296	311	17	re	re	AUX
fsr-3296	311	18	sp	sp	ADP
fsr-3296	311	19	on	on	ADP
fsr-3296	311	20	de	de	X
fsr-3296	311	21	nt	not	PART
fsr-3296	311	22	ap	ap	PROPN
fsr-3296	311	23	pl	pl	X
fsr-3296	312	1	ie	ie	ADV
fsr-3296	312	2	d	d	PROPN
fsr-3296	312	3	fo	fo	ADP
fsr-3296	312	4	r	r	NOUN
fsr-3296	312	5	cr	cr	NOUN
fsr-3296	312	6	ed	ed	NOUN
fsr-3296	312	7	it	it	PRON
fsr-3296	312	8	in	in	ADP
fsr-3296	312	9	th	th	ADP
fsr-3296	312	10	e	e	PROPN
fsr-3296	312	11	pa	pa	PROPN
fsr-3296	312	12	st	st	PROPN
fsr-3296	312	13	fiv	fiv	PROPN
fsr-3296	312	14	e	e	PROPN
fsr-3296	312	15	ye	ye	PROPN
fsr-3296	312	16	ar	ar	PROPN
fsr-3296	312	17	s	s	PROPN
fsr-3296	312	18	,	,	PUNCT
fsr-3296	312	19	w	w	VERB
fsr-3296	312	20	he	he	PRON
fsr-3296	312	21	th	th	INTJ
fsr-3296	312	22	er	er	INTJ
fsr-3296	312	23	or	or	CCONJ
fsr-3296	312	24	no	no	INTJ
fsr-3296	312	25	tt	tt	INTJ
fsr-3296	312	26	he	he	PRON
fsr-3296	312	27	y	y	PROPN
fsr-3296	312	28	fil	fil	PROPN
fsr-3296	312	29	ed	ed	NOUN
fsr-3296	312	30	fo	fo	ADP
fsr-3296	312	31	r	r	NOUN
fsr-3296	312	32	ba	ba	PROPN
fsr-3296	312	33	nk	nk	PROPN
fsr-3296	312	34	ru	ru	PROPN
fsr-3296	312	35	pt	pt	X
fsr-3296	312	36	cy	cy	PROPN
fsr-3296	312	37	in	in	ADP
fsr-3296	312	38	th	th	ADP
fsr-3296	312	39	e	e	PROPN
fsr-3296	312	40	pa	pa	PROPN
fsr-3296	312	41	st	st	PROPN
fsr-3296	312	42	,	,	PUNCT
fsr-3296	312	43	w	w	VERB
fsr-3296	312	44	he	he	PRON
fsr-3296	312	45	th	th	INTJ
fsr-3296	312	46	er	er	INTJ
fsr-3296	312	47	or	or	CCONJ
fsr-3296	312	48	no	no	INTJ
fsr-3296	312	49	tt	tt	INTJ
fsr-3296	312	50	he	he	PRON
fsr-3296	312	51	y	y	PROPN
fsr-3296	312	52	m	m	VERB
fsr-3296	312	53	ak	ak	PROPN
fsr-3296	312	54	e	e	PROPN
fsr-3296	312	55	pa	pa	PROPN
fsr-3296	312	56	ym	ym	PROPN
fsr-3296	312	57	en	en	ADV
fsr-3296	312	58	ts	ts	ADV
fsr-3296	312	59	on	on	ADP
fsr-3296	312	60	tim	tim	PROPN
fsr-3296	312	61	e	e	PROPN
fsr-3296	312	62	,	,	PUNCT
fsr-3296	312	63	w	w	VERB
fsr-3296	312	64	he	he	PRON
fsr-3296	312	65	th	th	INTJ
fsr-3296	312	66	er	er	INTJ
fsr-3296	312	67	or	or	CCONJ
fsr-3296	312	68	no	no	INTJ
fsr-3296	312	69	tt	tt	INTJ
fsr-3296	313	1	he	he	PRON
fsr-3296	313	2	y	y	PROPN
fsr-3296	313	3	ar	ar	PROPN
fsr-3296	313	4	e	e	PROPN
fsr-3296	313	5	lik	lik	PROPN
fsr-3296	313	6	el	el	PROPN
fsr-3296	313	7	y	y	PROPN
fsr-3296	313	8	to	to	PART
fsr-3296	313	9	de	de	X
fsr-3296	313	10	fa	fa	X
fsr-3296	313	11	ul	ul	INTJ
fsr-3296	313	12	to	to	ADP
fsr-3296	313	13	n	n	PROPN
fsr-3296	313	14	a	a	DET
fsr-3296	313	15	lo	lo	PROPN
fsr-3296	314	1	an	an	PRON
fsr-3296	314	2	in	in	ADP
fsr-3296	314	3	th	th	X
fsr-3296	314	4	e	e	NOUN
fsr-3296	314	5	fu	fu	PROPN
fsr-3296	314	6	tu	tu	PROPN
fsr-3296	314	7	re	re	PROPN
fsr-3296	314	8	,	,	PUNCT
fsr-3296	314	9	a	a	DET
fsr-3296	314	10	nd	nd	NOUN
fsr-3296	314	11	w	w	NOUN
fsr-3296	314	12	he	he	PRON
fsr-3296	314	13	th	th	INTJ
fsr-3296	315	1	er	er	INTJ
fsr-3296	315	2	or	or	CCONJ
fsr-3296	315	3	no	no	INTJ
fsr-3296	315	4	tt	tt	INTJ
fsr-3296	315	5	he	he	PRON
fsr-3296	315	6	y	y	PROPN
fsr-3296	315	7	ar	ar	PROPN
fsr-3296	315	8	e	e	PROPN
fsr-3296	315	9	lik	lik	PROPN
fsr-3296	315	10	el	el	PROPN
fsr-3296	315	11	y	y	PROPN
fsr-3296	315	12	to	to	PART
fsr-3296	315	13	fil	fil	X
fsr-3296	315	14	e	e	NOUN
fsr-3296	316	1	fo	fo	INTJ
fsr-3296	317	1	r	r	NOUN
fsr-3296	318	1	ba	ba	PROPN
fsr-3296	319	1	nk	nk	PROPN
fsr-3296	319	2	ru	ru	PROPN
fsr-3296	319	3	pt	pt	X
fsr-3296	319	4	cy	cy	PROPN
fsr-3296	319	5	in	in	ADP
fsr-3296	319	6	th	th	NUM
fsr-3296	319	7	e	e	NOUN
fsr-3296	319	8	fu	fu	PROPN
fsr-3296	319	9	tu	tu	PROPN
fsr-3296	319	10	re	re	PROPN
fsr-3296	319	11	.a	.a	PROPN
fsr-3296	320	1	tt	tt	PROPN
fsr-3296	321	1	p	p	X
fsr-3296	321	2	ln	ln	INTJ
fsr-3296	321	3	g	g	PROPN
fsr-3296	322	1	ca	can	AUX
fsr-3296	322	2	pt	pt	INTJ
fsr-3296	322	3	ur	ur	INTJ
fsr-3296	322	4	es	es	X
fsr-3296	322	5	re	re	ADP
fsr-3296	322	6	sp	sp	NOUN
fsr-3296	322	7	on	on	ADP
fsr-3296	322	8	de	de	X
fsr-3296	322	9	nt	nt	NOUN
fsr-3296	322	10	s	s	PART
fsr-3296	322	11	’	'	PUNCT
fsr-3296	322	12	at	at	ADP
fsr-3296	322	13	tit	tit	NOUN
fsr-3296	322	14	ud	ud	ADP
fsr-3296	322	15	e	e	X
fsr-3296	322	16	to	to	PART
fsr-3296	322	17	w	w	PROPN
fsr-3296	322	18	ar	ar	PROPN
fsr-3296	322	19	ds	ds	PROPN
fsr-3296	322	20	pl	pl	PROPN
fsr-3296	322	21	an	an	DET
fsr-3296	322	22	ni	ni	PROPN
fsr-3296	322	23	ng	ng	PROPN
fsr-3296	322	24	.f	.f	PROPN
fsr-3296	322	25	in	in	ADP
fsr-3296	322	26	q	q	PROPN
fsr-3296	322	27	ui	ui	PROPN
fsr-3296	322	28	z	z	NOUN
fsr-3296	322	29	re	re	X
fsr-3296	322	30	pr	pr	VERB
fsr-3296	322	31	es	es	X
fsr-3296	322	32	en	en	X
fsr-3296	322	33	ts	ts	X
fsr-3296	322	34	th	th	X
fsr-3296	322	35	e	e	X
fsr-3296	322	36	sc	sc	PROPN
fsr-3296	322	37	or	or	CCONJ
fsr-3296	322	38	e	e	X
fsr-3296	322	39	on	on	ADP
fsr-3296	322	40	th	th	NUM
fsr-3296	322	41	e	e	X
fsr-3296	322	42	kn	kn	PROPN
fsr-3296	322	43	ow	ow	PROPN
fsr-3296	322	44	le	le	X
fsr-3296	322	45	dg	dg	X
fsr-3296	322	46	e	e	PROPN
fsr-3296	322	47	qu	qu	PROPN
fsr-3296	323	1	iz	iz	INTJ
fsr-3296	323	2	.o	.o	PROPN
fsr-3296	324	1	w	w	PROPN
fsr-3296	324	2	nh	nh	PROPN
fsr-3296	324	3	ou	ou	PROPN
fsr-3296	324	4	se	se	PROPN
fsr-3296	324	5	is	be	AUX
fsr-3296	324	6	a	a	DET
fsr-3296	324	7	di	di	NOUN
fsr-3296	324	8	ch	ch	NOUN
fsr-3296	324	9	ot	ot	INTJ
fsr-3296	324	10	om	om	PROPN
fsr-3296	324	11	ou	ou	PROPN
fsr-3296	324	12	s	s	PROPN
fsr-3296	324	13	th	th	X
fsr-3296	324	14	at	at	ADP
fsr-3296	324	15	eq	eq	PROPN
fsr-3296	324	16	ua	ua	PROPN
fsr-3296	324	17	ls	ls	PROPN
fsr-3296	324	18	1	1	NUM
fsr-3296	324	19	if	if	SCONJ
fsr-3296	324	20	th	th	X
fsr-3296	324	21	e	e	X
fsr-3296	324	22	re	re	ADP
fsr-3296	324	23	sp	sp	ADP
fsr-3296	324	24	on	on	ADP
fsr-3296	324	25	de	de	X
fsr-3296	324	26	nt	not	PART
fsr-3296	324	27	ow	ow	INTJ
fsr-3296	324	28	ns	ns	PROPN
fsr-3296	324	29	a	a	DET
fsr-3296	324	30	ho	ho	PROPN
fsr-3296	324	31	m	m	PROPN
fsr-3296	324	32	e	e	NOUN
fsr-3296	324	33	;	;	PUNCT
fsr-3296	324	34	0	0	NUM
fsr-3296	324	35	ot	ot	NOUN
fsr-3296	324	36	he	he	PRON
fsr-3296	324	37	rw	rw	PROPN
fsr-3296	324	38	is	be	AUX
fsr-3296	324	39	e.	e.	PROPN
fsr-3296	324	40	in	in	ADP
fsr-3296	324	41	co	co	PROPN
fsr-3296	324	42	m	m	PROPN
fsr-3296	324	43	e	e	NOUN
fsr-3296	324	44	is	be	AUX
fsr-3296	324	45	a	a	DET
fsr-3296	324	46	hi	hi	INTJ
fsr-3296	324	47	er	er	INTJ
fsr-3296	324	48	at	at	ADP
fsr-3296	324	49	ic	ic	PROPN
fsr-3296	324	50	al	al	PROPN
fsr-3296	324	51	va	va	PROPN
fsr-3296	324	52	ri	ri	PROPN
fsr-3296	324	53	ab	ab	PROPN
fsr-3296	324	54	le	le	X
fsr-3296	324	55	re	re	X
fsr-3296	324	56	pr	pr	VERB
fsr-3296	324	57	es	es	X
fsr-3296	324	58	en	en	X
fsr-3296	324	59	tin	tin	NOUN
fsr-3296	324	60	g	g	PROPN
fsr-3296	325	1	ni	ni	PROPN
fsr-3296	325	2	ne	ne	AUX
fsr-3296	325	3	le	le	X
fsr-3296	325	4	ve	ve	AUX
fsr-3296	325	5	ls	ls	X
fsr-3296	325	6	of	of	ADP
fsr-3296	325	7	ho	ho	PROPN
fsr-3296	325	8	us	us	PROPN
fsr-3296	325	9	eh	eh	INTJ
fsr-3296	325	10	ol	ol	PROPN
fsr-3296	325	11	d	d	PROPN
fsr-3296	325	12	in	in	ADP
fsr-3296	325	13	co	co	NOUN
fsr-3296	325	14	m	m	PROPN
fsr-3296	325	15	e	e	NOUN
fsr-3296	325	16	(	(	PUNCT
fsr-3296	325	17	r	r	NOUN
fsr-3296	325	18	ef	ef	X
fsr-3296	325	19	er	er	INTJ
fsr-3296	325	20	en	en	X
fsr-3296	325	21	ce	ce	PROPN
fsr-3296	325	22	gr	gr	PROPN
fsr-3296	326	1	ou	ou	PROPN
fsr-3296	326	2	p	p	PROPN
fsr-3296	326	3	is	be	AUX
fsr-3296	326	4	“	"	PUNCT
fsr-3296	326	5	n	n	PROPN
fsr-3296	326	6	o	o	X
fsr-3296	326	7	in	in	ADP
fsr-3296	326	8	co	co	NOUN
fsr-3296	326	9	m	m	PROPN
fsr-3296	326	10	e	e	NOUN
fsr-3296	326	11	”	"	PUNCT
fsr-3296	326	12	)	)	PUNCT
fsr-3296	326	13	.	.	PUNCT
fsr-3296	327	1	c	c	PROPN
fsr-3296	327	2	rd	rd	PROPN
fsr-3296	327	3	t	t	AUX
fsr-3296	327	4	s	s	PART
fsr-3296	327	5	co	co	X
fsr-3296	327	6	re	re	X
fsr-3296	327	7	re	re	VERB
fsr-3296	327	8	pr	pr	VERB
fsr-3296	327	9	es	es	X
fsr-3296	327	10	en	en	INTJ
fsr-3296	327	11	ts	ts	X
fsr-3296	327	12	th	th	X
fsr-3296	327	13	re	re	X
fsr-3296	327	14	e	e	X
fsr-3296	327	15	le	le	X
fsr-3296	327	16	ve	ve	AUX
fsr-3296	327	17	ls	ls	X
fsr-3296	327	18	of	of	ADP
fsr-3296	327	19	cr	cr	PROPN
fsr-3296	327	20	ed	ed	NOUN
fsr-3296	328	1	it	it	PRON
fsr-3296	328	2	sc	sc	PROPN
fsr-3296	328	3	or	or	CCONJ
fsr-3296	328	4	e	e	NOUN
fsr-3296	328	5	qu	qu	PROPN
fsr-3296	328	6	al	al	PROPN
fsr-3296	328	7	ity	ity	PROPN
fsr-3296	328	8	(	(	PUNCT
fsr-3296	328	9	g	g	NOUN
fsr-3296	328	10	oo	oo	INTJ
fsr-3296	328	11	d	d	PROPN
fsr-3296	328	12	,	,	PUNCT
fsr-3296	328	13	fa	fa	PROPN
fsr-3296	328	14	ir	ir	PROPN
fsr-3296	328	15	,	,	PUNCT
fsr-3296	328	16	an	an	DET
fsr-3296	328	17	d	d	X
fsr-3296	328	18	po	po	NOUN
fsr-3296	328	19	or	or	CCONJ
fsr-3296	328	20	)	)	PUNCT
fsr-3296	328	21	.	.	PUNCT
fsr-3296	329	1	f	f	PROPN
fsr-3296	329	2	in	in	ADP
fsr-3296	329	3	a	a	DET
fsr-3296	329	4	dv	dv	PROPN
fsr-3296	329	5	is	be	AUX
fsr-3296	329	6	or	or	CCONJ
fsr-3296	329	7	is	be	AUX
fsr-3296	329	8	a	a	DET
fsr-3296	329	9	di	di	NOUN
fsr-3296	329	10	ch	ch	NOUN
fsr-3296	329	11	ot	ot	INTJ
fsr-3296	329	12	om	om	PROPN
fsr-3296	329	13	ou	ou	PROPN
fsr-3296	329	14	s	s	PROPN
fsr-3296	329	15	th	th	X
fsr-3296	329	16	at	at	ADP
fsr-3296	329	17	eq	eq	PROPN
fsr-3296	329	18	ua	ua	PROPN
fsr-3296	329	19	ls	ls	PROPN
fsr-3296	329	20	1	1	NUM
fsr-3296	329	21	if	if	SCONJ
fsr-3296	329	22	th	th	X
fsr-3296	329	23	e	e	NOUN
fsr-3296	329	24	ho	ho	PROPN
fsr-3296	329	25	us	us	PROPN
fsr-3296	329	26	eh	eh	INTJ
fsr-3296	329	27	ol	ol	PROPN
fsr-3296	330	1	d	d	X
fsr-3296	330	2	us	we	PRON
fsr-3296	330	3	es	es	X
fsr-3296	330	4	th	th	X
fsr-3296	330	5	e	e	X
fsr-3296	330	6	se	se	PROPN
fsr-3296	330	7	rv	rv	PROPN
fsr-3296	330	8	ic	ic	PROPN
fsr-3296	330	9	e	e	PROPN
fsr-3296	330	10	of	of	ADP
fsr-3296	330	11	a	a	DET
fsr-3296	330	12	pr	pr	NOUN
fsr-3296	330	13	of	of	ADP
fsr-3296	330	14	es	es	X
fsr-3296	330	15	si	si	X
fsr-3296	330	16	on	on	ADP
fsr-3296	330	17	al	al	PROPN
fsr-3296	330	18	fin	fin	PROPN
fsr-3296	330	19	an	an	DET
fsr-3296	330	20	ci	ci	PROPN
fsr-3296	330	21	al	al	PROPN
fsr-3296	330	22	ad	ad	NOUN
fsr-3296	330	23	vi	vi	PROPN
fsr-3296	331	1	so	so	CCONJ
fsr-3296	331	2	r	r	NOUN
fsr-3296	331	3	;	;	PUNCT
fsr-3296	331	4	0	0	NUM
fsr-3296	331	5	ot	ot	NOUN
fsr-3296	331	6	he	he	PRON
fsr-3296	331	7	rw	rw	PROPN
fsr-3296	331	8	is	be	AUX
fsr-3296	331	9	e.	e.	PROPN
fsr-3296	331	10	se	se	PROPN
fsr-3296	331	11	lfe	lfe	PROPN
fsr-3296	331	12	va	va	PROPN
fsr-3296	331	13	lr	lr	PROPN
fsr-3296	331	14	ep	ep	PROPN
fsr-3296	331	15	re	re	AUX
fsr-3296	331	16	se	se	PROPN
fsr-3296	331	17	nt	nt	PROPN
fsr-3296	331	18	s	s	X
fsr-3296	331	19	re	re	VERB
fsr-3296	331	20	sp	sp	NOUN
fsr-3296	331	21	on	on	ADP
fsr-3296	331	22	de	de	X
fsr-3296	331	23	nt	not	PART
fsr-3296	331	24	s	s	PART
fsr-3296	331	25	’	'	PUNCT
fsr-3296	331	26	se	se	X
fsr-3296	331	27	lf	lf	PROPN
fsr-3296	331	28	-e	-e	PROPN
fsr-3296	331	29	va	va	PROPN
fsr-3296	331	30	lu	lu	PROPN
fsr-3296	331	31	at	at	ADP
fsr-3296	331	32	io	io	PROPN
fsr-3296	331	33	n	n	PROPN
fsr-3296	331	34	of	of	ADP
fsr-3296	331	35	th	th	INTJ
fsr-3296	331	36	ei	ei	NOUN
fsr-3296	331	37	r	r	NOUN
fsr-3296	331	38	fin	fin	NOUN
fsr-3296	331	39	an	an	DET
fsr-3296	331	40	ci	ci	NOUN
fsr-3296	331	41	al	al	PROPN
fsr-3296	331	42	si	si	PROPN
fsr-3296	331	43	tu	tu	PROPN
fsr-3296	331	44	at	at	ADP
fsr-3296	331	45	io	io	PROPN
fsr-3296	331	46	n	n	PROPN
fsr-3296	331	47	(	(	PUNCT
fsr-3296	331	48	fi	fi	NOUN
fsr-3296	331	49	na	na	PROPN
fsr-3296	331	50	nc	nc	PROPN
fsr-3296	331	51	ia	ia	PROPN
fsr-3296	331	52	lly	lly	PROPN
fsr-3296	331	53	co	co	VERB
fsr-3296	331	54	m	m	VERB
fsr-3296	331	55	fo	fo	INTJ
fsr-3296	331	56	rt	rt	PROPN
fsr-3296	331	57	ab	ab	PROPN
fsr-3296	331	58	le	le	PROPN
fsr-3296	331	59	,	,	PUNCT
fsr-3296	331	60	m	m	PROPN
fsr-3296	331	61	ak	ak	PROPN
fsr-3296	331	62	e	e	PROPN
fsr-3296	331	63	a	a	DET
fsr-3296	331	64	lit	light	VERB
fsr-3296	331	65	tle	tle	NOUN
fsr-3296	331	66	m	m	PRON
fsr-3296	331	67	or	or	CCONJ
fsr-3296	331	68	e	e	X
fsr-3296	331	69	th	th	X
fsr-3296	331	70	an	an	DET
fsr-3296	331	71	ne	ne	NOUN
fsr-3296	331	72	ed	ed	NOUN
fsr-3296	331	73	s	s	PROPN
fsr-3296	331	74	,	,	PUNCT
fsr-3296	331	75	m	m	VERB
fsr-3296	331	76	ee	ee	ADP
fsr-3296	331	77	tb	tb	PROPN
fsr-3296	331	78	as	as	ADP
fsr-3296	331	79	ic	ic	PROPN
fsr-3296	331	80	ne	ne	PROPN
fsr-3296	331	81	ed	ed	PROPN
fsr-3296	331	82	s	s	PROPN
fsr-3296	331	83	,	,	PUNCT
fsr-3296	331	84	an	an	DET
fsr-3296	331	85	d	d	X
fsr-3296	331	86	m	m	PROPN
fsr-3296	331	87	ak	ak	PROPN
fsr-3296	331	88	e	e	PROPN
fsr-3296	331	89	a	a	DET
fsr-3296	331	90	lit	light	VERB
fsr-3296	331	91	tle	tle	NOUN
fsr-3296	331	92	le	le	AUX
fsr-3296	331	93	ss	ss	NOUN
fsr-3296	331	94	th	th	X
fsr-3296	331	95	an	an	DET
fsr-3296	331	96	ne	ne	X
fsr-3296	331	97	ed	ed	PROPN
fsr-3296	331	98	s	s	PROPN
fsr-3296	331	99	)	)	PUNCT
fsr-3296	331	100	w	w	NOUN
fsr-3296	331	101	he	he	PRON
fsr-3296	331	102	re	re	X
fsr-3296	331	103	th	th	X
fsr-3296	331	104	e	e	X
fsr-3296	331	105	re	re	X
fsr-3296	331	106	fe	fe	X
fsr-3296	331	107	re	re	X
fsr-3296	331	108	nc	nc	PROPN
fsr-3296	331	109	e	e	PROPN
fsr-3296	331	110	ca	can	AUX
fsr-3296	331	111	te	te	AUX
fsr-3296	331	112	go	go	VERB
fsr-3296	331	113	ry	ry	ADV
fsr-3296	331	114	is	be	AUX
fsr-3296	331	115	“	"	PUNCT
fsr-3296	331	116	p	p	PROPN
fsr-3296	331	117	oo	oo	PROPN
fsr-3296	331	118	r.	r.	PROPN
fsr-3296	331	119	”	"	PUNCT
fsr-3296	331	120	c	c	PROPN
fsr-3296	331	121	on	on	ADP
fsr-3296	331	122	f	f	PROPN
fsr-3296	331	123	re	re	AUX
fsr-3296	331	124	pr	pr	X
fsr-3296	331	125	es	es	X
fsr-3296	331	126	en	en	X
fsr-3296	331	127	ts	ts	X
fsr-3296	331	128	re	re	ADP
fsr-3296	331	129	sp	sp	ADP
fsr-3296	331	130	on	on	ADP
fsr-3296	331	131	de	de	X
fsr-3296	331	132	nt	not	PART
fsr-3296	331	133	s	s	PART
fsr-3296	331	134	’	'	PUNCT
fsr-3296	331	135	co	co	X
fsr-3296	331	136	nfi	nfi	PROPN
fsr-3296	331	137	de	de	PROPN
fsr-3296	331	138	nc	nc	PROPN
fsr-3296	331	139	e	e	PROPN
fsr-3296	331	140	in	in	ADP
fsr-3296	331	141	m	m	PROPN
fsr-3296	331	142	ak	ak	PROPN
fsr-3296	331	143	in	in	ADP
fsr-3296	331	144	g	g	PROPN
fsr-3296	331	145	fin	fin	NOUN
fsr-3296	331	146	an	an	DET
fsr-3296	331	147	ci	ci	PROPN
fsr-3296	331	148	al	al	PROPN
fsr-3296	331	149	de	de	PROPN
fsr-3296	331	150	ci	ci	PROPN
fsr-3296	331	151	si	si	X
fsr-3296	332	1	on	on	ADP
fsr-3296	332	2	s	s	PROPN
fsr-3296	332	3	(	(	PUNCT
fsr-3296	332	4	v	v	INTJ
fsr-3296	332	5	er	er	INTJ
fsr-3296	332	6	y	y	PROPN
fsr-3296	332	7	co	co	ADJ
fsr-3296	332	8	nfi	nfi	PROPN
fsr-3296	332	9	de	de	PROPN
fsr-3296	332	10	nt	nt	PROPN
fsr-3296	332	11	,	,	PUNCT
fsr-3296	332	12	so	so	ADV
fsr-3296	332	13	m	m	VERB
fsr-3296	332	14	eh	eh	INTJ
fsr-3296	332	15	ow	ow	INTJ
fsr-3296	332	16	co	co	ADJ
fsr-3296	332	17	nfi	nfi	PROPN
fsr-3296	332	18	de	de	PROPN
fsr-3296	332	19	nt	nt	PROPN
fsr-3296	332	20	,	,	PUNCT
fsr-3296	332	21	a	a	DET
fsr-3296	332	22	lit	light	VERB
fsr-3296	332	23	tle	tle	NOUN
fsr-3296	332	24	co	co	X
fsr-3296	332	25	nfi	nfi	PROPN
fsr-3296	332	26	de	de	PROPN
fsr-3296	332	27	nt	nt	PROPN
fsr-3296	332	28	an	an	PROPN
fsr-3296	332	29	d	d	X
fsr-3296	332	30	th	th	X
fsr-3296	332	31	e	e	X
fsr-3296	332	32	re	re	X
fsr-3296	332	33	fe	fe	X
fsr-3296	332	34	re	re	X
fsr-3296	332	35	nc	nc	PROPN
fsr-3296	332	36	e	e	PROPN
fsr-3296	332	37	gr	gr	PROPN
fsr-3296	333	1	ou	ou	PROPN
fsr-3296	333	2	p	p	PROPN
fsr-3296	333	3	is	be	AUX
fsr-3296	333	4	“	"	PUNCT
fsr-3296	333	5	n	n	PROPN
fsr-3296	333	6	ot	ot	INTJ
fsr-3296	333	7	co	co	ADJ
fsr-3296	333	8	nfi	nfi	PROPN
fsr-3296	333	9	de	de	X
fsr-3296	333	10	nt	not	PART
fsr-3296	333	11	”	"	PUNCT
fsr-3296	333	12	)	)	PUNCT
fsr-3296	333	13	.e	.e	PUNCT
fsr-3296	334	1	du	du	PROPN
fsr-3296	334	2	,	,	PUNCT
fsr-3296	334	3	c	c	PROPN
fsr-3296	334	4	ap	ap	PROPN
fsr-3296	334	5	tu	tu	PROPN
fsr-3296	334	6	re	re	PROPN
fsr-3296	334	7	s	s	PROPN
fsr-3296	334	8	ed	ed	NOUN
fsr-3296	334	9	uc	uc	PROPN
fsr-3296	334	10	at	at	ADP
fsr-3296	334	11	io	io	PROPN
fsr-3296	334	12	n	n	ADV
fsr-3296	334	13	le	le	X
fsr-3296	334	14	ve	ve	VERB
fsr-3296	334	15	l	l	NOUN
fsr-3296	334	16	(	(	PUNCT
fsr-3296	334	17	do	do	AUX
fsr-3296	334	18	ct	ct	PRON
fsr-3296	334	19	or	or	CCONJ
fsr-3296	334	20	at	at	ADP
fsr-3296	334	21	e	e	NOUN
fsr-3296	334	22	,	,	PUNCT
fsr-3296	334	23	m	m	VERB
fsr-3296	334	24	as	as	ADP
fsr-3296	334	25	te	te	PROPN
fsr-3296	334	26	r	r	NOUN
fsr-3296	334	27	,	,	PUNCT
fsr-3296	334	28	ba	ba	PROPN
fsr-3296	334	29	ch	ch	PROPN
fsr-3296	334	30	el	el	PROPN
fsr-3296	334	31	or	or	CCONJ
fsr-3296	334	32	,	,	PUNCT
fsr-3296	334	33	a	a	DET
fsr-3296	334	34	ss	ss	NOUN
fsr-3296	334	35	oc	oc	X
fsr-3296	334	36	ia	ia	X
fsr-3296	334	37	te	te	PROPN
fsr-3296	334	38	de	de	X
fsr-3296	334	39	gr	gr	X
fsr-3296	334	40	ee	ee	PROPN
fsr-3296	334	41	,	,	PUNCT
fsr-3296	334	42	s	s	VERB
fsr-3296	334	43	om	om	PROPN
fsr-3296	334	44	e	e	PROPN
fsr-3296	334	45	co	co	NOUN
fsr-3296	334	46	lle	lle	PROPN
fsr-3296	334	47	ge	ge	PROPN
fsr-3296	334	48	,	,	PUNCT
fsr-3296	334	49	h	h	PROPN
fsr-3296	334	50	ig	ig	PROPN
fsr-3296	334	51	h	h	PROPN
fsr-3296	334	52	sc	sc	PROPN
fsr-3296	334	53	ho	ho	PROPN
fsr-3296	334	54	ol	ol	PROPN
fsr-3296	334	55	,	,	PUNCT
fsr-3296	334	56	a	a	DET
fsr-3296	334	57	nd	nd	ADV
fsr-3296	334	58	th	th	X
fsr-3296	334	59	e	e	X
fsr-3296	334	60	re	re	X
fsr-3296	334	61	fe	fe	X
fsr-3296	334	62	re	re	X
fsr-3296	334	63	nc	nc	PROPN
fsr-3296	335	1	e	e	PROPN
fsr-3296	335	2	gr	gr	PROPN
fsr-3296	335	3	ou	ou	PROPN
fsr-3296	335	4	p	p	NOUN
fsr-3296	335	5	is	be	AUX
fsr-3296	335	6	“	"	PUNCT
fsr-3296	335	7	n	n	X
fsr-3296	335	8	on	on	ADP
fsr-3296	335	9	e	e	NOUN
fsr-3296	335	10	”	"	PUNCT
fsr-3296	335	11	)	)	PUNCT
fsr-3296	335	12	.	.	PUNCT
fsr-3296	336	1	a	a	DET
fsr-3296	336	2	tt	tt	PROPN
fsr-3296	336	3	b	b	X
fsr-3296	336	4	o	o	PROPN
fsr-3296	336	5	rr	rr	NOUN
fsr-3296	336	6	o	o	X
fsr-3296	336	7	w	w	NOUN
fsr-3296	336	8	m	m	PROPN
fsr-3296	336	9	ea	ea	X
fsr-3296	336	10	su	su	PROPN
fsr-3296	336	11	re	re	ADP
fsr-3296	336	12	s	s	PROPN
fsr-3296	336	13	re	re	VERB
fsr-3296	336	14	sp	sp	NOUN
fsr-3296	336	15	on	on	ADP
fsr-3296	336	16	de	de	X
fsr-3296	336	17	nt	nt	NOUN
fsr-3296	336	18	s	s	PART
fsr-3296	336	19	’	'	PUNCT
fsr-3296	336	20	at	at	ADP
fsr-3296	336	21	tit	tit	NOUN
fsr-3296	336	22	ud	ud	ADP
fsr-3296	336	23	e	e	X
fsr-3296	336	24	to	to	ADP
fsr-3296	336	25	w	w	PROPN
fsr-3296	336	26	ar	ar	PROPN
fsr-3296	336	27	ds	ds	PROPN
fsr-3296	336	28	bo	bo	PROPN
fsr-3296	336	29	rr	rr	VERB
fsr-3296	336	30	ow	ow	INTJ
fsr-3296	336	31	in	in	ADP
fsr-3296	336	32	g.	g.	PROPN
fsr-3296	336	33	b	b	PROPN
fsr-3296	336	34	or	or	CCONJ
fsr-3296	336	35	r	r	NOUN
fsr-3296	336	36	h	h	NOUN
fsr-3296	336	37	is	be	AUX
fsr-3296	336	38	t	t	PROPN
fsr-3296	336	39	co	co	NOUN
fsr-3296	336	40	nt	not	PART
fsr-3296	336	41	ro	ro	PROPN
fsr-3296	337	1	ls	ls	INTJ
fsr-3296	338	1	fo	fo	INTJ
fsr-3296	338	2	r	r	PROPN
fsr-3296	338	3	pa	pa	PROPN
fsr-3296	338	4	st	st	PROPN
fsr-3296	338	5	be	be	AUX
fsr-3296	338	6	ha	ha	INTJ
fsr-3296	338	7	vi	vi	NOUN
fsr-3296	338	8	or	or	CCONJ
fsr-3296	338	9	in	in	ADP
fsr-3296	338	10	th	th	NUM
fsr-3296	338	11	e	e	X
fsr-3296	338	12	sa	sa	PROPN
fsr-3296	338	13	m	m	PROPN
fsr-3296	338	14	e	e	NOUN
fsr-3296	338	15	bo	bo	PROPN
fsr-3296	338	16	rr	rr	PROPN
fsr-3296	339	1	ow	ow	INTJ
fsr-3296	339	2	in	in	ADP
fsr-3296	339	3	g	g	PROPN
fsr-3296	339	4	ca	can	AUX
fsr-3296	339	5	te	te	AUX
fsr-3296	339	6	go	go	VERB
fsr-3296	339	7	ry	ry	ADV
fsr-3296	339	8	as	as	ADP
fsr-3296	339	9	th	th	X
fsr-3296	339	10	e	e	X
fsr-3296	339	11	de	de	X
fsr-3296	339	12	pe	pe	PROPN
fsr-3296	339	13	nd	nd	PROPN
fsr-3296	339	14	en	en	PROPN
fsr-3296	339	15	tv	tv	PROPN
fsr-3296	339	16	ar	ar	PROPN
fsr-3296	339	17	ia	ia	PROPN
fsr-3296	339	18	bl	bl	PROPN
fsr-3296	339	19	e	e	X
fsr-3296	339	20	(	(	PUNCT
fsr-3296	339	21	e	e	X
fsr-3296	339	22	.g	.g	PROPN
fsr-3296	339	23	.	.	PUNCT
fsr-3296	340	1	,	,	PUNCT
fsr-3296	340	2	in	in	ADP
fsr-3296	340	3	th	th	X
fsr-3296	340	4	e	e	X
fsr-3296	340	5	au	au	NOUN
fsr-3296	340	6	to	to	ADP
fsr-3296	340	7	m	m	PROPN
fsr-3296	340	8	ob	ob	ADJ
fsr-3296	340	9	ile	ile	PROPN
fsr-3296	340	10	re	re	X
fsr-3296	340	11	gr	gr	NOUN
fsr-3296	340	12	es	es	X
fsr-3296	340	13	si	si	X
fsr-3296	340	14	on	on	ADV
fsr-3296	340	15	,	,	PUNCT
fsr-3296	340	16	b	b	NOUN
fsr-3296	340	17	or	or	CCONJ
fsr-3296	340	18	r	r	NOUN
fsr-3296	340	19	h	h	NOUN
fsr-3296	340	20	is	be	AUX
fsr-3296	340	21	t	t	PROPN
fsr-3296	340	22	in	in	ADP
fsr-3296	340	23	di	di	X
fsr-3296	341	1	ca	can	AUX
fsr-3296	341	2	te	te	PROPN
fsr-3296	341	3	s	s	X
fsr-3296	341	4	th	th	X
fsr-3296	341	5	at	at	ADP
fsr-3296	341	6	th	th	X
fsr-3296	341	7	e	e	X
fsr-3296	341	8	re	re	ADP
fsr-3296	341	9	sp	sp	ADP
fsr-3296	341	10	on	on	ADP
fsr-3296	341	11	de	de	X
fsr-3296	341	12	nt	not	PART
fsr-3296	341	13	ha	ha	INTJ
fsr-3296	341	14	ve	ve	INTJ
fsr-3296	341	15	ha	ha	INTJ
fsr-3296	341	16	d	d	X
fsr-3296	341	17	a	a	DET
fsr-3296	341	18	ca	ca	NOUN
fsr-3296	341	19	r	r	NOUN
fsr-3296	341	20	lo	lo	PROPN
fsr-3296	341	21	an	an	PRON
fsr-3296	341	22	in	in	ADP
fsr-3296	341	23	th	th	X
fsr-3296	341	24	e	e	PROPN
fsr-3296	341	25	pa	pa	PROPN
fsr-3296	341	26	st	st	PROPN
fsr-3296	341	27	)	)	PUNCT
fsr-3296	341	28	.	.	PUNCT
fsr-3296	342	1	in	in	ADP
fsr-3296	342	2	th	th	NUM
fsr-3296	342	3	e	e	NOUN
fsr-3296	342	4	cr	cr	NOUN
fsr-3296	342	5	ed	ed	NOUN
fsr-3296	342	6	it	it	PRON
fsr-3296	342	7	ca	can	AUX
fsr-3296	342	8	rd	rd	VERB
fsr-3296	342	9	re	re	PROPN
fsr-3296	342	10	gr	gr	PROPN
fsr-3296	342	11	es	es	X
fsr-3296	342	12	si	si	X
fsr-3296	342	13	on	on	ADV
fsr-3296	342	14	,	,	PUNCT
fsr-3296	342	15	t	t	PROPN
fsr-3296	342	16	he	he	PRON
fsr-3296	343	1	fir	fir	PROPN
fsr-3296	343	2	st	st	PROPN
fsr-3296	343	3	b	b	PROPN
fsr-3296	343	4	or	or	CCONJ
fsr-3296	343	5	r	r	NOUN
fsr-3296	343	6	h	h	NOUN
fsr-3296	343	7	is	be	AUX
fsr-3296	343	8	t	t	PROPN
fsr-3296	343	9	in	in	ADP
fsr-3296	343	10	di	di	X
fsr-3296	344	1	ca	can	AUX
fsr-3296	344	2	te	te	PROPN
fsr-3296	344	3	s	s	X
fsr-3296	344	4	th	th	X
fsr-3296	344	5	at	at	ADP
fsr-3296	344	6	th	th	X
fsr-3296	344	7	e	e	X
fsr-3296	344	8	re	re	ADP
fsr-3296	344	9	sp	sp	ADP
fsr-3296	344	10	on	on	ADP
fsr-3296	344	11	de	de	X
fsr-3296	344	12	nt	not	PART
fsr-3296	344	13	ha	ha	INTJ
fsr-3296	345	1	d	d	X
fsr-3296	345	2	ha	ha	INTJ
fsr-3296	345	3	d	d	X
fsr-3296	345	4	cr	cr	PROPN
fsr-3296	346	1	ed	ed	NOUN
fsr-3296	347	1	it	it	PRON
fsr-3296	347	2	ca	can	AUX
fsr-3296	347	3	rd	rd	PROPN
fsr-3296	347	4	(	(	PUNCT
fsr-3296	347	5	s	s	NOUN
fsr-3296	347	6	)	)	PUNCT
fsr-3296	347	7	in	in	ADP
fsr-3296	347	8	th	th	X
fsr-3296	347	9	e	e	PROPN
fsr-3296	347	10	pa	pa	PROPN
fsr-3296	347	11	st	st	PROPN
fsr-3296	347	12	bu	bu	PROPN
fsr-3296	347	13	tt	tt	PROPN
fsr-3296	348	1	he	he	PRON
fsr-3296	348	2	y	y	PROPN
fsr-3296	348	3	pa	pa	PROPN
fsr-3296	348	4	y	y	PROPN
fsr-3296	348	5	on	on	ADP
fsr-3296	348	6	tim	tim	PROPN
fsr-3296	348	7	e.	e.	PROPN
fsr-3296	348	8	t	t	PROPN
fsr-3296	349	1	he	he	PRON
fsr-3296	349	2	se	se	PROPN
fsr-3296	349	3	co	co	VERB
fsr-3296	349	4	nd	nd	PROPN
fsr-3296	349	5	b	b	PROPN
fsr-3296	349	6	or	or	CCONJ
fsr-3296	349	7	r	r	NOUN
fsr-3296	349	8	h	h	NOUN
fsr-3296	349	9	is	be	AUX
fsr-3296	349	10	t	t	PROPN
fsr-3296	349	11	in	in	ADP
fsr-3296	349	12	di	di	X
fsr-3296	350	1	ca	ca	NOUN
fsr-3296	350	2	te	te	PROPN
fsr-3296	350	3	d	d	PRON
fsr-3296	350	4	ca	can	AUX
fsr-3296	350	5	rr	rr	VERB
fsr-3296	350	6	yi	yi	PROPN
fsr-3296	350	7	ng	ng	PROPN
fsr-3296	350	8	m	m	PROPN
fsr-3296	350	9	on	on	ADP
fsr-3296	350	10	th	th	INTJ
fsr-3296	350	11	ly	ly	X
fsr-3296	350	12	ba	ba	PROPN
fsr-3296	350	13	la	la	PROPN
fsr-3296	350	14	nc	nc	PROPN
fsr-3296	350	15	e.	e.	PROPN
fsr-3296	350	16	in	in	ADP
fsr-3296	350	17	th	th	NUM
fsr-3296	350	18	e	e	NOUN
fsr-3296	350	19	m	m	PRON
fsr-3296	350	20	or	or	CCONJ
fsr-3296	350	21	tg	tg	PROPN
fsr-3296	350	22	ag	ag	PROPN
fsr-3296	350	23	e	e	X
fsr-3296	350	24	re	re	X
fsr-3296	350	25	gr	gr	X
fsr-3296	350	26	es	es	X
fsr-3296	350	27	si	si	X
fsr-3296	350	28	on	on	ADV
fsr-3296	350	29	,	,	PUNCT
fsr-3296	350	30	t	t	PROPN
fsr-3296	350	31	he	he	PRON
fsr-3296	350	32	fir	fir	PROPN
fsr-3296	350	33	st	st	PROPN
fsr-3296	350	34	b	b	PROPN
fsr-3296	350	35	or	or	CCONJ
fsr-3296	350	36	r	r	NOUN
fsr-3296	350	37	h	h	NOUN
fsr-3296	350	38	is	be	AUX
fsr-3296	350	39	t	t	PROPN
fsr-3296	350	40	in	in	ADP
fsr-3296	350	41	di	di	X
fsr-3296	350	42	ca	can	AUX
fsr-3296	350	43	te	te	PROPN
fsr-3296	350	44	s	s	VERB
fsr-3296	350	45	ha	ha	INTJ
fsr-3296	350	46	vi	vi	PROPN
fsr-3296	350	47	ng	ng	PROPN
fsr-3296	350	48	a	a	DET
fsr-3296	350	49	m	m	NOUN
fsr-3296	350	50	or	or	CCONJ
fsr-3296	350	51	tg	tg	ADP
fsr-3296	350	52	ag	ag	PROPN
fsr-3296	350	53	e	e	PROPN
fsr-3296	350	54	ac	ac	PROPN
fsr-3296	350	55	co	co	PROPN
fsr-3296	350	56	un	un	PROPN
fsr-3296	350	57	t	t	PROPN
fsr-3296	350	58	,	,	PUNCT
fsr-3296	350	59	th	th	X
fsr-3296	350	60	e	e	X
fsr-3296	350	61	se	se	X
fsr-3296	350	62	co	co	PROPN
fsr-3296	350	63	nd	nd	PROPN
fsr-3296	350	64	b	b	PROPN
fsr-3296	350	65	or	or	CCONJ
fsr-3296	350	66	r	r	NOUN
fsr-3296	350	67	h	h	NOUN
fsr-3296	350	68	is	be	AUX
fsr-3296	350	69	t	t	PROPN
fsr-3296	350	70	in	in	ADP
fsr-3296	350	71	di	di	X
fsr-3296	350	72	ca	can	AUX
fsr-3296	350	73	te	te	PROPN
fsr-3296	350	74	s	s	VERB
fsr-3296	350	75	ha	ha	INTJ
fsr-3296	350	76	vi	vi	PROPN
fsr-3296	350	77	ng	ng	PROPN
fsr-3296	350	78	re	re	PROPN
fsr-3296	350	79	fin	fin	PROPN
fsr-3296	350	80	an	an	PROPN
fsr-3296	350	81	ce	ce	PROPN
fsr-3296	350	82	d	d	PROPN
fsr-3296	350	83	a	a	DET
fsr-3296	350	84	ho	ho	PROPN
fsr-3296	350	85	m	m	ADP
fsr-3296	350	86	e	e	NOUN
fsr-3296	350	87	in	in	ADP
fsr-3296	350	88	th	th	NUM
fsr-3296	350	89	e	e	PROPN
fsr-3296	350	90	pa	pa	PROPN
fsr-3296	350	91	st	st	PROPN
fsr-3296	350	92	,	,	PUNCT
fsr-3296	350	93	an	an	DET
fsr-3296	350	94	d	d	X
fsr-3296	350	95	th	th	X
fsr-3296	350	96	e	e	X
fsr-3296	350	97	th	th	X
fsr-3296	350	98	ird	ird	PROPN
fsr-3296	350	99	b	b	PROPN
fsr-3296	350	100	or	or	CCONJ
fsr-3296	350	101	r	r	NOUN
fsr-3296	350	102	h	h	NOUN
fsr-3296	350	103	is	be	AUX
fsr-3296	350	104	t	t	PROPN
fsr-3296	350	105	in	in	ADP
fsr-3296	350	106	di	di	X
fsr-3296	350	107	ca	can	AUX
fsr-3296	350	108	te	te	PROPN
fsr-3296	350	109	s	s	VERB
fsr-3296	351	1	ha	ha	INTJ
fsr-3296	351	2	vi	vi	PROPN
fsr-3296	351	3	ng	ng	PROPN
fsr-3296	351	4	a	a	DET
fsr-3296	351	5	ho	ho	PROPN
fsr-3296	351	6	m	m	PROPN
fsr-3296	351	7	e	e	NOUN
fsr-3296	351	8	eq	eq	NOUN
fsr-3296	351	9	ui	ui	PROPN
fsr-3296	352	1	ty	ty	INTJ
fsr-3296	352	2	lo	lo	PROPN
fsr-3296	352	3	an	an	PRON
fsr-3296	352	4	in	in	ADP
fsr-3296	352	5	th	th	X
fsr-3296	352	6	e	e	PROPN
fsr-3296	352	7	pa	pa	PROPN
fsr-3296	352	8	st	st	PROPN
fsr-3296	352	9	.	.	PUNCT
fsr-3296	353	1	a	a	DET
fsr-3296	353	2	st	st	PROPN
fsr-3296	353	3	er	er	INTJ
fsr-3296	353	4	is	be	AUX
fsr-3296	353	5	ks	ks	PROPN
fsr-3296	353	6	de	de	PROPN
fsr-3296	353	7	no	no	PROPN
fsr-3296	353	8	te	te	INTJ
fsr-3296	353	9	st	st	PROPN
fsr-3296	353	10	at	at	SCONJ
fsr-3296	353	11	is	be	AUX
fsr-3296	353	12	tic	tic	ADJ
fsr-3296	353	13	al	al	PROPN
fsr-3296	353	14	si	si	PROPN
fsr-3296	353	15	gn	gn	PROPN
fsr-3296	353	16	ifi	ifi	PROPN
fsr-3296	353	17	ca	ca	PROPN
fsr-3296	353	18	nc	nc	PROPN
fsr-3296	353	19	e	e	PROPN
fsr-3296	353	20	at	at	ADP
fsr-3296	353	21	th	th	X
fsr-3296	353	22	e	e	NOUN
fsr-3296	353	23	1	1	NUM
fsr-3296	353	24	%	%	NOUN
fsr-3296	353	25	(	(	PUNCT
fsr-3296	353	26	*	*	PUNCT
fsr-3296	353	27	*	*	PUNCT
fsr-3296	353	28	*	*	PUNCT
fsr-3296	353	29	)	)	PUNCT
fsr-3296	353	30	,	,	PUNCT
fsr-3296	353	31	5	5	NUM
fsr-3296	353	32	%	%	NOUN
fsr-3296	353	33	(	(	PUNCT
fsr-3296	353	34	*	*	PUNCT
fsr-3296	353	35	*	*	PUNCT
fsr-3296	353	36	)	)	PUNCT
fsr-3296	353	37	,	,	PUNCT
fsr-3296	354	1	o	o	NOUN
fsr-3296	354	2	r	r	NOUN
fsr-3296	354	3	10	10	NUM
fsr-3296	354	4	%	%	NOUN
fsr-3296	354	5	(	(	PUNCT
fsr-3296	354	6	*	*	PUNCT
fsr-3296	354	7	)	)	PUNCT
fsr-3296	354	8	le	le	VERB
fsr-3296	354	9	ve	ve	AUX
fsr-3296	354	10	l.	l.	NOUN
fsr-3296	354	11	fo	fo	ADP
fsr-3296	354	12	r	r	PROPN
fsr-3296	354	13	ea	ea	PROPN
fsr-3296	354	14	ch	ch	NOUN
fsr-3296	354	15	re	re	X
fsr-3296	354	16	gr	gr	PROPN
fsr-3296	354	17	es	es	X
fsr-3296	354	18	si	si	X
fsr-3296	354	19	on	on	ADP
fsr-3296	354	20	w	w	PROPN
fsr-3296	354	21	e	e	X
fsr-3296	354	22	re	re	X
fsr-3296	354	23	po	po	PROPN
fsr-3296	354	24	rt	rt	PROPN
fsr-3296	354	25	ra	ra	PROPN
fsr-3296	355	1	w	w	PROPN
fsr-3296	355	2	an	an	PROPN
fsr-3296	355	3	d	d	X
fsr-3296	355	4	ad	ad	PROPN
fsr-3296	355	5	ju	ju	PROPN
fsr-3296	355	6	st	st	PROPN
fsr-3296	355	7	ed	ed	PROPN
fsr-3296	355	8	r	r	PROPN
fsr-3296	355	9	2	2	NUM
fsr-3296	355	10	a	a	PRON
fsr-3296	355	11	,	,	PUNCT
fsr-3296	355	12	d	d	X
fsr-3296	355	13	eg	eg	NOUN
fsr-3296	355	14	re	re	ADP
fsr-3296	355	15	es	es	NOUN
fsr-3296	355	16	of	of	ADP
fsr-3296	355	17	fr	fr	INTJ
fsr-3296	355	18	ee	ee	INTJ
fsr-3296	355	19	do	do	VERB
fsr-3296	355	20	m	m	PRON
fsr-3296	355	21	an	an	DET
fsr-3296	355	22	d	d	PROPN
fsr-3296	355	23	fst	fst	NOUN
fsr-3296	355	24	at	at	ADP
fsr-3296	355	25	b	b	PROPN
fsr-3296	355	26	.	.	PUNCT
fsr-3296	356	1	a	a	DET
fsr-3296	356	2	o	o	X
fsr-3296	356	3	ur	ur	INTJ
fsr-3296	356	4	st	st	PROPN
fsr-3296	356	5	ud	ud	INTJ
fsr-3296	356	6	y	y	PROPN
fsr-3296	356	7	de	de	PROPN
fsr-3296	356	8	si	si	PROPN
fsr-3296	356	9	gn	gn	PROPN
fsr-3296	356	10	ne	ne	PROPN
fsr-3296	356	11	ce	ce	PROPN
fsr-3296	356	12	ss	ss	PROPN
fsr-3296	356	13	ita	ita	PROPN
fsr-3296	356	14	te	te	PROPN
fsr-3296	356	15	s	s	X
fsr-3296	356	16	th	th	X
fsr-3296	356	17	e	e	NOUN
fsr-3296	356	18	us	us	PROPN
fsr-3296	356	19	e	e	PROPN
fsr-3296	356	20	of	of	ADP
fsr-3296	356	21	nu	nu	PROPN
fsr-3296	356	22	m	m	PROPN
fsr-3296	356	23	er	er	INTJ
fsr-3296	356	24	ou	ou	X
fsr-3296	356	25	s	s	PROPN
fsr-3296	356	26	in	in	ADP
fsr-3296	356	27	te	te	PROPN
fsr-3296	356	28	rco	rco	PROPN
fsr-3296	356	29	rr	rr	PROPN
fsr-3296	356	30	el	el	PROPN
fsr-3296	356	31	at	at	ADP
fsr-3296	356	32	ed	ed	PROPN
fsr-3296	356	33	va	va	PROPN
fsr-3296	356	34	ria	ria	PROPN
fsr-3296	356	35	bl	bl	PROPN
fsr-3296	356	36	es	es	PROPN
fsr-3296	356	37	(	(	PUNCT
fsr-3296	356	38	n	n	CCONJ
fsr-3296	356	39	um	um	INTJ
fsr-3296	356	40	er	er	INTJ
fsr-3296	356	41	ic	ic	PROPN
fsr-3296	356	42	al	al	PROPN
fsr-3296	356	43	re	re	PROPN
fsr-3296	356	44	sp	sp	VERB
fsr-3296	356	45	on	on	ADP
fsr-3296	356	46	se	se	PROPN
fsr-3296	356	47	s	s	VERB
fsr-3296	356	48	to	to	ADP
fsr-3296	356	49	su	su	PROPN
fsr-3296	356	50	rv	rv	PROPN
fsr-3296	356	51	ey	ey	PROPN
fsr-3296	356	52	qu	qu	PROPN
fsr-3296	356	53	es	es	X
fsr-3296	356	54	tio	tio	PROPN
fsr-3296	356	55	ns	ns	INTJ
fsr-3296	356	56	)	)	PUNCT
fsr-3296	356	57	to	to	ADP
fsr-3296	356	58	ch	ch	PROPN
fsr-3296	356	59	ar	ar	PROPN
fsr-3296	356	60	ac	ac	PROPN
fsr-3296	356	61	te	te	PROPN
fsr-3296	356	62	riz	riz	PROPN
fsr-3296	356	63	e	e	PROPN
fsr-3296	356	64	an	an	DET
fsr-3296	356	65	un	un	PROPN
fsr-3296	356	66	de	de	X
fsr-3296	356	67	rly	rly	PROPN
fsr-3296	356	68	in	in	ADP
fsr-3296	356	69	g	g	PROPN
fsr-3296	356	70	la	la	PRON
fsr-3296	356	71	te	te	PROPN
fsr-3296	356	72	nt	not	PART
fsr-3296	356	73	fa	fa	PROPN
fsr-3296	357	1	ct	ct	INTJ
fsr-3296	357	2	or	or	CCONJ
fsr-3296	357	3	(	(	PUNCT
fsr-3296	357	4	p	p	X
fsr-3296	357	5	er	er	INTJ
fsr-3296	357	6	so	so	ADV
fsr-3296	357	7	na	na	INTJ
fsr-3296	357	8	lit	light	VERB
fsr-3296	357	9	y	y	PROPN
fsr-3296	357	10	tra	tra	PROPN
fsr-3296	357	11	it	it	PRON
fsr-3296	357	12	)	)	PUNCT
fsr-3296	357	13	.e	.e	PUNCT
fsr-3296	358	1	xp	xp	INTJ
fsr-3296	359	1	lo	lo	PROPN
fsr-3296	359	2	ra	ra	PROPN
fsr-3296	359	3	to	to	PART
fsr-3296	359	4	ry	ry	VERB
fsr-3296	359	5	fa	fa	PROPN
fsr-3296	359	6	ct	ct	INTJ
fsr-3296	359	7	or	or	CCONJ
fsr-3296	359	8	a	a	DET
fsr-3296	359	9	na	na	NOUN
fsr-3296	359	10	ly	ly	X
fsr-3296	359	11	si	si	PROPN
fsr-3296	359	12	s	s	X
fsr-3296	359	13	(	(	PUNCT
fsr-3296	359	14	e	e	NOUN
fsr-3296	359	15	fa	fa	INTJ
fsr-3296	359	16	)	)	PUNCT
fsr-3296	359	17	h	h	NOUN
fsr-3296	359	18	as	as	SCONJ
fsr-3296	359	19	be	be	AUX
fsr-3296	359	20	en	en	ADV
fsr-3296	359	21	in	in	ADP
fsr-3296	359	22	ve	ve	PROPN
fsr-3296	359	23	nt	not	PART
fsr-3296	359	24	ed	ed	NOUN
fsr-3296	359	25	sp	sp	ADP
fsr-3296	359	26	ec	ec	PROPN
fsr-3296	359	27	ifi	ifi	PROPN
fsr-3296	359	28	ca	can	AUX
fsr-3296	359	29	lly	lly	ADV
fsr-3296	360	1	fo	fo	INTJ
fsr-3296	360	2	rt	rt	INTJ
fsr-3296	360	3	hi	hi	INTJ
fsr-3296	360	4	sk	sk	INTJ
fsr-3296	360	5	in	in	ADP
fsr-3296	360	6	d	d	PROPN
fsr-3296	360	7	of	of	ADP
fsr-3296	360	8	co	co	INTJ
fsr-3296	360	9	m	m	PROPN
fsr-3296	360	10	pl	pl	PROPN
fsr-3296	360	11	ic	ic	PROPN
fsr-3296	360	12	at	at	ADP
fsr-3296	360	13	ed	ed	PROPN
fsr-3296	360	14	st	st	PROPN
fsr-3296	360	15	ud	ud	INTJ
fsr-3296	360	16	ie	ie	PROPN
fsr-3296	360	17	s.	s.	PROPN
fsr-3296	360	18	e	e	X
fsr-3296	360	19	fa	fa	X
fsr-3296	360	20	re	re	ADP
fsr-3296	360	21	du	du	PROPN
fsr-3296	360	22	ce	ce	PROPN
fsr-3296	360	23	st	st	PROPN
fsr-3296	360	24	he	he	PRON
fsr-3296	360	25	di	di	VERB
fsr-3296	360	26	m	m	PROPN
fsr-3296	360	27	en	en	X
fsr-3296	360	28	si	si	X
fsr-3296	360	29	on	on	ADP
fsr-3296	360	30	al	al	PROPN
fsr-3296	360	31	ity	ity	PROPN
fsr-3296	360	32	of	of	ADP
fsr-3296	360	33	th	th	X
fsr-3296	360	34	e	e	NOUN
fsr-3296	360	35	or	or	CCONJ
fsr-3296	360	36	ig	ig	PROPN
fsr-3296	360	37	in	in	ADP
fsr-3296	360	38	al	al	PROPN
fsr-3296	360	39	sp	sp	ADP
fsr-3296	360	40	ac	ac	PROPN
fsr-3296	360	41	e	e	PROPN
fsr-3296	360	42	an	an	PROPN
fsr-3296	360	43	d	d	X
fsr-3296	360	44	ac	ac	PROPN
fsr-3296	360	45	co	co	PROPN
fsr-3296	360	46	un	un	PROPN
fsr-3296	360	47	ts	ts	PROPN
fsr-3296	360	48	fo	fo	INTJ
fsr-3296	360	49	rp	rp	PROPN
fsr-3296	360	50	ot	ot	INTJ
fsr-3296	360	51	en	en	PROPN
fsr-3296	360	52	tia	tia	PROPN
fsr-3296	360	53	lc	lc	PROPN
fsr-3296	360	54	ova	ova	PROPN
fsr-3296	360	55	ria	ria	PROPN
fsr-3296	360	56	nc	nc	PROPN
fsr-3296	360	57	e	e	PROPN
fsr-3296	360	58	in	in	ADP
fsr-3296	360	59	th	th	NUM
fsr-3296	360	60	e	e	X
fsr-3296	360	61	ob	ob	X
fsr-3296	360	62	se	se	PROPN
fsr-3296	360	63	rv	rv	PROPN
fsr-3296	360	64	ed	ed	PROPN
fsr-3296	360	65	va	va	PROPN
fsr-3296	360	66	ria	ria	PROPN
fsr-3296	360	67	bl	bl	PROPN
fsr-3296	360	68	es	es	PROPN
fsr-3296	360	69	(	(	PUNCT
fsr-3296	360	70	s	s	VERB
fsr-3296	360	71	te	te	INTJ
fsr-3296	360	72	ve	ve	VERB
fsr-3296	360	73	ns	ns	INTJ
fsr-3296	360	74	,	,	PUNCT
fsr-3296	360	75	1	1	NUM
fsr-3296	360	76	99	99	NUM
fsr-3296	360	77	2	2	NUM
fsr-3296	360	78	;	;	PUNCT
fsr-3296	360	79	w	w	X
fsr-3296	360	80	oo	oo	INTJ
fsr-3296	360	81	ld	ld	PROPN
fsr-3296	360	82	rid	rid	VERB
fsr-3296	360	83	ge	ge	PROPN
fsr-3296	360	84	,	,	PUNCT
fsr-3296	360	85	2	2	NUM
fsr-3296	360	86	00	00	NUM
fsr-3296	360	87	6	6	NUM
fsr-3296	360	88	]	]	PUNCT
fsr-3296	360	89	.w	.w	PROPN
fsr-3296	361	1	e	e	X
fsr-3296	361	2	ra	ra	PROPN
fsr-3296	361	3	n	n	ADV
fsr-3296	361	4	an	an	DET
fsr-3296	361	5	e	e	PROPN
fsr-3296	361	6	xp	xp	NOUN
fsr-3296	361	7	lo	lo	PROPN
fsr-3296	361	8	ra	ra	PROPN
fsr-3296	361	9	to	to	PART
fsr-3296	361	10	ry	ry	VERB
fsr-3296	361	11	fa	fa	PROPN
fsr-3296	361	12	ct	ct	INTJ
fsr-3296	361	13	or	or	CCONJ
fsr-3296	361	14	a	a	DET
fsr-3296	361	15	na	na	NOUN
fsr-3296	361	16	ly	ly	X
fsr-3296	361	17	si	si	PROPN
fsr-3296	361	18	s	s	X
fsr-3296	361	19	(	(	PUNCT
fsr-3296	361	20	e	e	NOUN
fsr-3296	361	21	fa	fa	INTJ
fsr-3296	361	22	)	)	PUNCT
fsr-3296	361	23	w	w	NOUN
fsr-3296	361	24	ith	ith	PROPN
fsr-3296	361	25	pr	pr	NOUN
fsr-3296	361	26	in	in	ADP
fsr-3296	361	27	ci	ci	PROPN
fsr-3296	361	28	pa	pa	PROPN
fsr-3296	361	29	lc	lc	PROPN
fsr-3296	361	30	om	om	PROPN
fsr-3296	361	31	po	po	PROPN
fsr-3296	361	32	ne	ne	PROPN
fsr-3296	361	33	nt	nt	PROPN
fsr-3296	361	34	ex	ex	X
fsr-3296	361	35	tra	tra	PROPN
fsr-3296	361	36	ct	ct	PROPN
fsr-3296	361	37	io	io	PROPN
fsr-3296	362	1	n	n	PROPN
fsr-3296	362	2	an	an	PRON
fsr-3296	362	3	d	d	X
fsr-3296	362	4	v	v	NOUN
fsr-3296	362	5	ar	ar	NOUN
fsr-3296	363	1	i	i	NOUN
fsr-3296	363	2	m	m	VERB
fsr-3296	363	3	ax	ax	ADJ
fsr-3296	363	4	ro	ro	X
fsr-3296	363	5	ta	ta	AUX
fsr-3296	363	6	tio	tio	VERB
fsr-3296	363	7	n	n	PRON
fsr-3296	363	8	an	an	PRON
fsr-3296	363	9	d	d	X
fsr-3296	363	10	a	a	DET
fsr-3296	363	11	co	co	X
fsr-3296	363	12	rr	rr	PROPN
fsr-3296	363	13	el	el	PROPN
fsr-3296	363	14	at	at	ADP
fsr-3296	363	15	io	io	PROPN
fsr-3296	363	16	n	n	PROPN
fsr-3296	363	17	an	an	DET
fsr-3296	363	18	al	al	PROPN
fsr-3296	363	19	ys	ys	PROPN
fsr-3296	363	20	is	be	AUX
fsr-3296	363	21	.t	.t	ADJ
fsr-3296	364	1	he	he	PRON
fsr-3296	364	2	e	e	NOUN
fsr-3296	364	3	fa	fa	PROPN
fsr-3296	364	4	an	an	DET
fsr-3296	364	5	al	al	PROPN
fsr-3296	364	6	ys	ys	PROPN
fsr-3296	364	7	is	be	AUX
fsr-3296	364	8	pr	pr	INTJ
fsr-3296	364	9	ov	ov	INTJ
fsr-3296	365	1	i	i	PROPN
fsr-3296	365	2	d	d	PROPN
fsr-3296	365	3	ed	ed	PROPN
fsr-3296	365	4	fu	fu	PROPN
fsr-3296	366	1	rth	rth	PROPN
fsr-3296	366	2	er	er	INTJ
fsr-3296	366	3	su	su	PROPN
fsr-3296	367	1	pp	pp	ADV
fsr-3296	367	2	or	or	CCONJ
fsr-3296	367	3	tf	tf	X
fsr-3296	367	4	or	or	CCONJ
fsr-3296	367	5	un	un	PROPN
fsr-3296	368	1	i	i	PROPN
fsr-3296	368	2	d	d	PROPN
fsr-3296	368	3	i	i	PRON
fsr-3296	368	4	m	m	VERB
fsr-3296	368	5	en	en	ADP
fsr-3296	368	6	si	si	X
fsr-3296	368	7	on	on	ADP
fsr-3296	368	8	al	al	PROPN
fsr-3296	368	9	ity	ity	PROPN
fsr-3296	368	10	of	of	ADP
fsr-3296	368	11	pe	pe	INTJ
fsr-3296	368	12	rs	rs	NOUN
fsr-3296	368	13	on	on	ADP
fsr-3296	368	14	al	al	PROPN
fsr-3296	368	15	ity	ity	PROPN
fsr-3296	368	16	di	di	X
fsr-3296	368	17	m	m	PROPN
fsr-3296	368	18	en	en	X
fsr-3296	368	19	si	si	X
fsr-3296	368	20	on	on	ADP
fsr-3296	368	21	s	s	PRON
fsr-3296	368	22	as	as	ADP
fsr-3296	368	23	al	al	PROPN
fsr-3296	368	24	lm	lm	PROPN
fsr-3296	368	25	ea	ea	PROPN
fsr-3296	368	26	su	su	PROPN
fsr-3296	369	1	re	re	AUX
fsr-3296	369	2	m	m	PROPN
fsr-3296	369	3	en	en	PROPN
fsr-3296	369	4	t	t	PROPN
fsr-3296	369	5	ite	ite	PROPN
fsr-3296	369	6	m	m	PROPN
fsr-3296	369	7	s	s	NOUN
fsr-3296	369	8	sh	sh	INTJ
fsr-3296	369	9	ow	ow	INTJ
fsr-3296	369	10	ed	ed	NOUN
fsr-3296	369	11	hi	hi	INTJ
fsr-3296	369	12	gh	gh	PROPN
fsr-3296	369	13	lo	lo	PROPN
fsr-3296	369	14	ad	ad	NOUN
fsr-3296	369	15	in	in	ADP
fsr-3296	369	16	gs	gs	PROPN
fsr-3296	369	17	un	un	PROPN
fsr-3296	369	18	de	de	PROPN
fsr-3296	369	19	rt	rt	PROPN
fsr-3296	370	1	he	he	PRON
fsr-3296	370	2	ir	ir	PROPN
fsr-3296	370	3	co	co	VERB
fsr-3296	370	4	rr	rr	AUX
fsr-3296	370	5	es	es	VERB
fsr-3296	370	6	po	po	PROPN
fsr-3296	370	7	nd	nd	INTJ
fsr-3296	370	8	in	in	ADP
fsr-3296	370	9	g	g	PROPN
fsr-3296	370	10	ac	ac	PROPN
fsr-3296	370	11	to	to	ADP
fsr-3296	370	12	r.	r.	PROPN
fsr-3296	370	13	t	t	PROPN
fsr-3296	370	14	he	he	PRON
fsr-3296	370	15	co	co	PROPN
fsr-3296	370	16	rr	rr	PROPN
fsr-3296	370	17	el	el	PROPN
fsr-3296	370	18	at	at	ADP
fsr-3296	370	19	io	io	PROPN
fsr-3296	371	1	n	n	PROPN
fsr-3296	371	2	an	an	DET
fsr-3296	371	3	al	al	PROPN
fsr-3296	371	4	ys	ys	PROPN
fsr-3296	371	5	is	be	AUX
fsr-3296	371	6	re	re	VERB
fsr-3296	371	7	ve	ve	PROPN
fsr-3296	371	8	al	al	PROPN
fsr-3296	371	9	s	s	PROPN
fsr-3296	371	10	th	th	X
fsr-3296	371	11	at	at	ADP
fsr-3296	371	12	th	th	X
fsr-3296	371	13	e	e	X
fsr-3296	371	14	pa	pa	PROPN
fsr-3296	371	15	irw	irw	PROPN
fsr-3296	371	16	is	be	AUX
fsr-3296	371	17	e	e	NOUN
fsr-3296	371	18	co	co	NOUN
fsr-3296	371	19	rr	rr	PROPN
fsr-3296	371	20	el	el	PROPN
fsr-3296	371	21	at	at	ADP
fsr-3296	371	22	io	io	PROPN
fsr-3296	371	23	n	n	ADV
fsr-3296	371	24	be	be	AUX
fsr-3296	371	25	tw	tw	INTJ
fsr-3296	371	26	ee	ee	ADP
fsr-3296	371	27	n	n	ADV
fsr-3296	371	28	pe	pe	VERB
fsr-3296	371	29	rs	rs	PROPN
fsr-3296	371	30	on	on	ADP
fsr-3296	371	31	al	al	PROPN
fsr-3296	371	32	ity	ity	PROPN
fsr-3296	371	33	tra	tra	PROPN
fsr-3296	371	34	its	its	PRON
fsr-3296	371	35	ra	ra	PROPN
fsr-3296	371	36	ng	ng	PROPN
fsr-3296	371	37	es	es	PROPN
fsr-3296	371	38	be	be	AUX
fsr-3296	371	39	tw	tw	INTJ
fsr-3296	371	40	ee	ee	ADP
fsr-3296	371	41	n	n	PROPN
fsr-3296	371	42	�	�	PROPN
fsr-3296	371	43	0	0	NUM
fsr-3296	371	44	.	.	PUNCT
fsr-3296	372	1	25	25	NUM
fsr-3296	372	2	0	0	NUM
fsr-3296	372	3	(	(	PUNCT
fsr-3296	372	4	b	b	X
fsr-3296	372	5	et	et	PROPN
fsr-3296	372	6	w	w	PROPN
fsr-3296	372	7	ee	ee	PROPN
fsr-3296	372	8	n	n	PROPN
fsr-3296	372	9	co	co	PROPN
fsr-3296	372	10	ns	ns	PROPN
fsr-3296	372	11	ci	ci	PROPN
fsr-3296	372	12	en	en	X
fsr-3296	372	13	tio	tio	PROPN
fsr-3296	372	14	us	us	PROPN
fsr-3296	372	15	ne	ne	PROPN
fsr-3296	372	16	ss	ss	PROPN
fsr-3296	373	1	an	an	PRON
fsr-3296	373	2	d	d	X
fsr-3296	373	3	ne	ne	VERB
fsr-3296	373	4	ur	ur	INTJ
fsr-3296	373	5	ot	ot	INTJ
fsr-3296	373	6	ic	ic	PROPN
fsr-3296	373	7	is	be	AUX
fsr-3296	373	8	m	m	PROPN
fsr-3296	373	9	)	)	PUNCT
fsr-3296	373	10	an	an	DET
fsr-3296	373	11	d	d	NOUN
fsr-3296	373	12	0	0	NUM
fsr-3296	373	13	.	.	NOUN
fsr-3296	373	14	25	25	NUM
fsr-3296	373	15	8	8	NUM
fsr-3296	373	16	(	(	PUNCT
fsr-3296	373	17	b	b	NOUN
fsr-3296	373	18	et	et	PROPN
fsr-3296	373	19	w	w	PROPN
fsr-3296	373	20	ee	ee	PROPN
fsr-3296	373	21	n	n	PROPN
fsr-3296	373	22	op	op	NOUN
fsr-3296	373	23	en	en	X
fsr-3296	373	24	ne	ne	X
fsr-3296	373	25	ss	ss	PROPN
fsr-3296	373	26	an	an	PROPN
fsr-3296	373	27	d	d	PROPN
fsr-3296	373	28	ag	ag	PROPN
fsr-3296	373	29	re	re	PROPN
fsr-3296	373	30	ea	ea	PROPN
fsr-3296	373	31	bl	bl	PROPN
fsr-3296	373	32	en	en	PROPN
fsr-3296	373	33	es	es	ADP
fsr-3296	373	34	s	s	NOUN
fsr-3296	373	35	)	)	PUNCT
fsr-3296	373	36	.w	.w	PROPN
fsr-3296	374	1	e	e	PROPN
fsr-3296	374	2	co	co	PROPN
fsr-3296	374	3	nc	nc	PROPN
fsr-3296	374	4	lu	lu	PROPN
fsr-3296	374	5	de	de	X
fsr-3296	374	6	th	th	X
fsr-3296	374	7	at	at	ADP
fsr-3296	374	8	co	co	PROPN
fsr-3296	374	9	rr	rr	PROPN
fsr-3296	374	10	el	el	PROPN
fsr-3296	374	11	at	at	ADP
fsr-3296	374	12	io	io	PROPN
fsr-3296	374	13	n	n	PRON
fsr-3296	374	14	am	be	AUX
fsr-3296	374	15	on	on	ADP
fsr-3296	374	16	g	g	PROPN
fsr-3296	374	17	in	in	ADP
fsr-3296	374	18	de	de	X
fsr-3296	374	19	pe	pe	X
fsr-3296	374	20	nd	nd	PROPN
fsr-3296	374	21	en	en	PROPN
fsr-3296	374	22	tv	tv	PROPN
fsr-3296	374	23	ar	ar	PROPN
fsr-3296	374	24	ia	ia	PROPN
fsr-3296	374	25	bl	bl	PROPN
fsr-3296	374	26	es	es	PROPN
fsr-3296	374	27	is	be	AUX
fsr-3296	374	28	no	no	INTJ
fsr-3296	374	29	tt	tt	INTJ
fsr-3296	374	30	oo	oo	INTJ
fsr-3296	374	31	hi	hi	INTJ
fsr-3296	374	32	gh	gh	PROPN
fsr-3296	374	33	.	.	PUNCT
fsr-3296	375	1	b	b	X
fsr-3296	375	2	a	a	DET
fsr-3296	375	3	lo	lo	PROPN
fsr-3296	375	4	w	w	PROPN
fsr-3296	375	5	ad	ad	PROPN
fsr-3296	375	6	ju	ju	PROPN
fsr-3296	375	7	st	st	PROPN
fsr-3296	375	8	ed	ed	PROPN
fsr-3296	375	9	r	r	NOUN
fsr-3296	375	10	2	2	NUM
fsr-3296	375	11	is	be	AUX
fsr-3296	375	12	ve	ve	VERB
fsr-3296	375	13	ry	ry	VERB
fsr-3296	375	14	co	co	VERB
fsr-3296	375	15	m	m	VERB
fsr-3296	375	16	m	m	VERB
fsr-3296	375	17	on	on	ADV
fsr-3296	375	18	in	in	ADP
fsr-3296	375	19	m	m	PROPN
fsr-3296	375	20	ul	ul	PROPN
fsr-3296	375	21	tiv	tiv	PROPN
fsr-3296	375	22	ar	ar	PROPN
fsr-3296	375	23	ia	ia	PROPN
fsr-3296	375	24	te	te	PROPN
fsr-3296	375	25	an	an	DET
fsr-3296	375	26	al	al	PROPN
fsr-3296	375	27	ys	ys	PROPN
fsr-3296	375	28	is	be	AUX
fsr-3296	375	29	an	an	DET
fsr-3296	375	30	d	d	NOUN
fsr-3296	375	31	a	a	X
fsr-3296	375	32	se	se	X
fsr-3296	375	33	em	em	PRON
fsr-3296	375	34	in	in	ADP
fsr-3296	375	35	gl	gl	PROPN
fsr-3296	375	36	y	y	PROPN
fsr-3296	375	37	lo	lo	PROPN
fsr-3296	375	38	w	w	NOUN
fsr-3296	375	39	r	r	NOUN
fsr-3296	375	40	2	2	NUM
fsr-3296	375	41	do	do	AUX
fsr-3296	375	42	es	es	VERB
fsr-3296	375	43	no	no	DET
fsr-3296	375	44	tn	tn	NOUN
fsr-3296	375	45	ec	ec	PROPN
fsr-3296	375	46	es	es	X
fsr-3296	375	47	sa	sa	PROPN
fsr-3296	375	48	ri	ri	PROPN
fsr-3296	376	1	ly	ly	ADP
fsr-3296	376	2	m	m	PROPN
fsr-3296	376	3	ea	ea	PROPN
fsr-3296	376	4	n	n	ADV
fsr-3296	376	5	th	th	X
fsr-3296	376	6	at	at	ADP
fsr-3296	376	7	an	an	DET
fsr-3296	376	8	o	o	NOUN
fsr-3296	376	9	l	l	NOUN
fsr-3296	376	10	s	s	X
fsr-3296	376	11	re	re	ADP
fsr-3296	376	12	gr	gr	NOUN
fsr-3296	376	13	es	es	X
fsr-3296	376	14	si	si	X
fsr-3296	376	15	on	on	ADP
fsr-3296	376	16	eq	eq	PROPN
fsr-3296	376	17	ua	ua	PROPN
fsr-3296	376	18	tio	tio	PROPN
fsr-3296	376	19	n	n	PROPN
fsr-3296	376	20	is	be	AUX
fsr-3296	376	21	us	us	PROPN
fsr-3296	376	22	el	el	PROPN
fsr-3296	376	23	es	es	PROPN
fsr-3296	376	24	s.	s.	PROPN
fsr-3296	377	1	w	w	PROPN
fsr-3296	377	2	he	he	PRON
fsr-3296	377	3	th	th	INTJ
fsr-3296	377	4	er	er	INTJ
fsr-3296	377	5	or	or	CCONJ
fsr-3296	377	6	no	no	DET
fsr-3296	377	7	t	t	NOUN
fsr-3296	377	8	a	a	DET
fsr-3296	377	9	re	re	X
fsr-3296	377	10	gr	gr	NOUN
fsr-3296	377	11	es	es	X
fsr-3296	377	12	si	si	X
fsr-3296	377	13	on	on	ADP
fsr-3296	377	14	m	m	PROPN
fsr-3296	377	15	od	od	PROPN
fsr-3296	377	16	el	el	PROPN
fsr-3296	377	17	is	be	AUX
fsr-3296	377	18	a	a	DET
fsr-3296	377	19	go	go	NOUN
fsr-3296	377	20	od	od	ADV
fsr-3296	377	21	es	es	ADP
fsr-3296	377	22	tim	tim	PROPN
fsr-3296	377	23	at	at	ADP
fsr-3296	377	24	e	e	PROPN
fsr-3296	377	25	of	of	ADP
fsr-3296	377	26	th	th	X
fsr-3296	377	27	e	e	X
fsr-3296	377	28	ce	ce	X
fsr-3296	377	29	te	te	PROPN
fsr-3296	377	30	ri	ri	PROPN
fsr-3296	377	31	s	s	PROPN
fsr-3296	377	32	pa	pa	PROPN
fsr-3296	377	33	ri	ri	PROPN
fsr-3296	377	34	bu	bu	PROPN
fsr-3296	377	35	s	s	PROPN
fsr-3296	377	36	re	re	VERB
fsr-3296	377	37	la	la	X
fsr-3296	377	38	tio	tio	NOUN
fsr-3296	378	1	ns	ns	INTJ
fsr-3296	379	1	hi	hi	INTJ
fsr-3296	379	2	p	p	X
fsr-3296	379	3	be	be	AUX
fsr-3296	379	4	tw	tw	INTJ
fsr-3296	379	5	ee	ee	ADP
fsr-3296	379	6	n	n	ADV
fsr-3296	379	7	th	th	X
fsr-3296	379	8	e	e	X
fsr-3296	379	9	de	de	X
fsr-3296	379	10	pe	pe	PROPN
fsr-3296	379	11	nd	nd	INTJ
fsr-3296	379	12	en	en	X
fsr-3296	379	13	t	t	X
fsr-3296	379	14	th	th	X
fsr-3296	379	15	e	e	NOUN
fsr-3296	379	16	in	in	ADP
fsr-3296	379	17	de	de	X
fsr-3296	379	18	pe	pe	X
fsr-3296	379	19	nd	nd	ADV
fsr-3296	379	20	en	en	PROPN
fsr-3296	379	21	t	t	PROPN
fsr-3296	379	22	va	va	PROPN
fsr-3296	379	23	ri	ri	PROPN
fsr-3296	380	1	ab	ab	PROPN
fsr-3296	380	2	le	le	PROPN
fsr-3296	380	3	s	s	PROPN
fsr-3296	380	4	do	do	AUX
fsr-3296	380	5	es	es	VERB
fsr-3296	380	6	no	no	DET
fsr-3296	380	7	t	t	PROPN
fsr-3296	380	8	de	de	ADP
fsr-3296	380	9	pe	pe	PROPN
fsr-3296	380	10	nd	nd	INTJ
fsr-3296	380	11	di	di	PROPN
fsr-3296	380	12	re	re	NOUN
fsr-3296	380	13	ct	ct	NOUN
fsr-3296	380	14	ly	ly	VERB
fsr-3296	380	15	on	on	ADP
fsr-3296	380	16	th	th	ADP
fsr-3296	380	17	e	e	NOUN
fsr-3296	380	18	si	si	X
fsr-3296	380	19	ze	ze	PROPN
fsr-3296	380	20	of	of	ADP
fsr-3296	380	21	r	r	PROPN
fsr-3296	380	22	2	2	NUM
fsr-3296	380	23	(	(	PUNCT
fsr-3296	380	24	w	w	NOUN
fsr-3296	380	25	oo	oo	INTJ
fsr-3296	380	26	ld	ld	PROPN
fsr-3296	380	27	ri	ri	PROPN
fsr-3296	380	28	dg	dg	X
fsr-3296	380	29	e	e	NOUN
fsr-3296	380	30	,	,	PUNCT
fsr-3296	380	31	20	20	NUM
fsr-3296	380	32	06	06	NUM
fsr-3296	380	33	,	,	PUNCT
fsr-3296	380	34	pp	pp	ADV
fsr-3296	380	35	.	.	PUNCT
fsr-3296	381	1	43	43	NUM
fsr-3296	381	2	–	–	SYM
fsr-3296	381	3	44	44	NUM
fsr-3296	381	4	)	)	PUNCT
fsr-3296	381	5	.	.	PUNCT
fsr-3296	382	1	67a	67a	PROPN
fsr-3296	382	2	.	.	PUNCT
fsr-3296	383	1	yazdanparast	yazdanparast	NOUN
fsr-3296	383	2	,	,	PUNCT
fsr-3296	383	3	y.	y.	PROPN
fsr-3296	383	4	alhenawi	alhenawi	PROPN
fsr-3296	383	5	/	/	SYM
fsr-3296	383	6	financial	financial	ADJ
fsr-3296	383	7	services	service	NOUN
fsr-3296	383	8	review	review	VERB
fsr-3296	383	9	26	26	NUM
fsr-3296	383	10	(	(	PUNCT
fsr-3296	383	11	2017	2017	NUM
fsr-3296	383	12	)	)	PUNCT
fsr-3296	384	1	55–85	55–85	NUM
fsr-3296	384	2	differences	difference	NOUN
fsr-3296	384	3	between	between	ADP
fsr-3296	384	4	the	the	DET
fsr-3296	384	5	full	full	ADJ
fsr-3296	384	6	models	model	NOUN
fsr-3296	384	7	and	and	CCONJ
fsr-3296	384	8	the	the	DET
fsr-3296	384	9	concise	concise	ADJ
fsr-3296	384	10	models	model	NOUN
fsr-3296	384	11	and	and	CCONJ
fsr-3296	384	12	,	,	PUNCT
fsr-3296	384	13	consequently	consequently	ADV
fsr-3296	384	14	,	,	PUNCT
fsr-3296	384	15	we	we	PRON
fsr-3296	384	16	only	only	ADV
fsr-3296	384	17	present	present	VERB
fsr-3296	384	18	the	the	DET
fsr-3296	384	19	results	result	NOUN
fsr-3296	384	20	with	with	ADP
fsr-3296	384	21	the	the	DET
fsr-3296	384	22	concise	concise	ADJ
fsr-3296	384	23	models	model	NOUN
fsr-3296	384	24	.	.	PUNCT
fsr-3296	385	1	the	the	DET
fsr-3296	385	2	results	result	NOUN
fsr-3296	385	3	for	for	ADP
fsr-3296	385	4	the	the	DET
fsr-3296	385	5	full	full	ADJ
fsr-3296	385	6	models	model	NOUN
fsr-3296	385	7	are	be	AUX
fsr-3296	385	8	available	available	ADJ
fsr-3296	385	9	upon	upon	SCONJ
fsr-3296	385	10	request	request	NOUN
fsr-3296	385	11	from	from	ADP
fsr-3296	385	12	the	the	DET
fsr-3296	385	13	authors	author	NOUN
fsr-3296	385	14	.	.	PUNCT
fsr-3296	386	1	the	the	DET
fsr-3296	386	2	findings	finding	NOUN
fsr-3296	386	3	in	in	ADP
fsr-3296	386	4	table	table	NOUN
fsr-3296	386	5	2	2	NUM
fsr-3296	386	6	generally	generally	ADV
fsr-3296	386	7	support	support	VERB
fsr-3296	386	8	our	our	PRON
fsr-3296	386	9	first	first	ADJ
fsr-3296	386	10	set	set	NOUN
fsr-3296	386	11	of	of	ADP
fsr-3296	386	12	hypotheses	hypothesis	NOUN
fsr-3296	386	13	.	.	PUNCT
fsr-3296	387	1	those	those	DET
fsr-3296	387	2	individuals	individual	NOUN
fsr-3296	387	3	with	with	ADP
fsr-3296	387	4	higher	high	ADJ
fsr-3296	387	5	levels	level	NOUN
fsr-3296	387	6	of	of	ADP
fsr-3296	387	7	need	need	NOUN
fsr-3296	387	8	for	for	ADP
fsr-3296	387	9	material	material	ADJ
fsr-3296	387	10	resources	resource	NOUN
fsr-3296	387	11	had	have	VERB
fsr-3296	387	12	stronger	strong	ADJ
fsr-3296	387	13	intentions	intention	NOUN
fsr-3296	387	14	to	to	PART
fsr-3296	387	15	borrow	borrow	VERB
fsr-3296	387	16	in	in	ADP
fsr-3296	387	17	all	all	DET
fsr-3296	387	18	categories	category	NOUN
fsr-3296	387	19	except	except	SCONJ
fsr-3296	387	20	for	for	ADP
fsr-3296	387	21	personal	personal	ADJ
fsr-3296	387	22	loans	loan	NOUN
fsr-3296	387	23	and	and	CCONJ
fsr-3296	387	24	payday	payday	NOUN
fsr-3296	387	25	loans	loan	NOUN
fsr-3296	387	26	.	.	PUNCT
fsr-3296	388	1	this	this	PRON
fsr-3296	388	2	is	be	AUX
fsr-3296	388	3	consistent	consistent	ADJ
fsr-3296	388	4	with	with	ADP
fsr-3296	388	5	hypothesis	hypothesis	NOUN
fsr-3296	388	6	1a	1a	NOUN
fsr-3296	388	7	.	.	PUNCT
fsr-3296	389	1	similarly	similarly	ADV
fsr-3296	389	2	,	,	PUNCT
fsr-3296	389	3	higher	high	ADJ
fsr-3296	389	4	levels	level	NOUN
fsr-3296	389	5	of	of	ADP
fsr-3296	389	6	need	need	NOUN
fsr-3296	389	7	for	for	ADP
fsr-3296	389	8	arousal	arousal	NOUN
fsr-3296	389	9	was	be	AUX
fsr-3296	389	10	associated	associate	VERB
fsr-3296	389	11	with	with	ADP
fsr-3296	389	12	a	a	DET
fsr-3296	389	13	stronger	strong	ADJ
fsr-3296	389	14	intention	intention	NOUN
fsr-3296	389	15	to	to	PART
fsr-3296	389	16	borrow	borrow	VERB
fsr-3296	389	17	in	in	ADP
fsr-3296	389	18	all	all	DET
fsr-3296	389	19	categories	category	NOUN
fsr-3296	389	20	that	that	PRON
fsr-3296	389	21	lends	lend	VERB
fsr-3296	389	22	support	support	NOUN
fsr-3296	389	23	to	to	ADP
fsr-3296	389	24	hypothesis	hypothesis	NOUN
fsr-3296	389	25	1b	1b	NUM
fsr-3296	389	26	.	.	PUNCT
fsr-3296	390	1	as	as	SCONJ
fsr-3296	390	2	expected	expect	VERB
fsr-3296	390	3	,	,	PUNCT
fsr-3296	390	4	the	the	DET
fsr-3296	390	5	coefficients	coefficient	NOUN
fsr-3296	390	6	on	on	ADP
fsr-3296	390	7	the	the	DET
fsr-3296	390	8	attitude	attitude	NOUN
fsr-3296	390	9	towards	towards	ADP
fsr-3296	390	10	borrowing	borrowing	NOUN
fsr-3296	390	11	(	(	PUNCT
fsr-3296	390	12	attborrow	attborrow	NOUN
fsr-3296	390	13	)	)	PUNCT
fsr-3296	390	14	were	be	AUX
fsr-3296	390	15	positive	positive	ADJ
fsr-3296	390	16	and	and	CCONJ
fsr-3296	390	17	significant	significant	ADJ
fsr-3296	390	18	across	across	ADP
fsr-3296	390	19	all	all	DET
fsr-3296	390	20	borrowing	borrowing	NOUN
fsr-3296	390	21	types	type	NOUN
fsr-3296	390	22	(	(	PUNCT
fsr-3296	390	23	except	except	SCONJ
fsr-3296	390	24	for	for	ADP
fsr-3296	390	25	student	student	NOUN
fsr-3296	390	26	loans	loan	NOUN
fsr-3296	390	27	)	)	PUNCT
fsr-3296	390	28	.	.	PUNCT
fsr-3296	391	1	this	this	PRON
fsr-3296	391	2	indicates	indicate	VERB
fsr-3296	391	3	that	that	SCONJ
fsr-3296	391	4	a	a	DET
fsr-3296	391	5	positive	positive	ADJ
fsr-3296	391	6	attitude	attitude	NOUN
fsr-3296	391	7	towards	towards	ADP
fsr-3296	391	8	borrowing	borrowing	NOUN
fsr-3296	391	9	is	be	AUX
fsr-3296	391	10	positively	positively	ADV
fsr-3296	391	11	associated	associate	VERB
fsr-3296	391	12	with	with	ADP
fsr-3296	391	13	intentions	intention	NOUN
fsr-3296	391	14	to	to	PART
fsr-3296	391	15	borrow	borrow	VERB
fsr-3296	391	16	.	.	PUNCT
fsr-3296	392	1	however	however	ADV
fsr-3296	392	2	,	,	PUNCT
fsr-3296	392	3	when	when	SCONJ
fsr-3296	392	4	the	the	DET
fsr-3296	392	5	coefficients	coefficient	NOUN
fsr-3296	392	6	of	of	ADP
fsr-3296	392	7	attitudes	attitude	NOUN
fsr-3296	392	8	and	and	CCONJ
fsr-3296	392	9	intentions	intention	NOUN
fsr-3296	392	10	across	across	ADP
fsr-3296	392	11	personalities	personality	NOUN
fsr-3296	392	12	are	be	AUX
fsr-3296	392	13	considered	consider	VERB
fsr-3296	392	14	,	,	PUNCT
fsr-3296	392	15	the	the	DET
fsr-3296	392	16	results	result	NOUN
fsr-3296	392	17	provided	provide	VERB
fsr-3296	392	18	evidence	evidence	NOUN
fsr-3296	392	19	supporting	support	VERB
fsr-3296	392	20	hypothesis	hypothesis	NOUN
fsr-3296	392	21	2	2	NUM
fsr-3296	392	22	(	(	PUNCT
fsr-3296	392	23	i.e.	i.e.	X
fsr-3296	392	24	,	,	PUNCT
fsr-3296	392	25	intention	intention	NOUN
fsr-3296	392	26	to	to	PART
fsr-3296	392	27	borrow	borrow	VERB
fsr-3296	392	28	and	and	CCONJ
fsr-3296	392	29	the	the	DET
fsr-3296	392	30	attitude	attitude	NOUN
fsr-3296	392	31	towards	towards	ADP
fsr-3296	392	32	borrowing	borrowing	NOUN
fsr-3296	392	33	may	may	AUX
fsr-3296	392	34	not	not	PART
fsr-3296	392	35	always	always	ADV
fsr-3296	392	36	accord	accord	NOUN
fsr-3296	392	37	)	)	PUNCT
fsr-3296	392	38	.	.	PUNCT
fsr-3296	393	1	specifically	specifically	ADV
fsr-3296	393	2	,	,	PUNCT
fsr-3296	393	3	the	the	DET
fsr-3296	393	4	results	result	NOUN
fsr-3296	393	5	indicate	indicate	VERB
fsr-3296	393	6	that	that	SCONJ
fsr-3296	393	7	despite	despite	SCONJ
fsr-3296	393	8	high	high	ADJ
fsr-3296	393	9	levels	level	NOUN
fsr-3296	393	10	of	of	ADP
fsr-3296	393	11	intention	intention	NOUN
fsr-3296	393	12	to	to	PART
fsr-3296	393	13	use	use	VERB
fsr-3296	393	14	certain	certain	ADJ
fsr-3296	393	15	types	type	NOUN
fsr-3296	393	16	of	of	ADP
fsr-3296	393	17	borrowing	borrowing	NOUN
fsr-3296	393	18	(	(	PUNCT
fsr-3296	393	19	student	student	NOUN
fsr-3296	393	20	loans	loan	NOUN
fsr-3296	393	21	and	and	CCONJ
fsr-3296	393	22	personal	personal	ADJ
fsr-3296	393	23	loans	loan	NOUN
fsr-3296	393	24	)	)	PUNCT
fsr-3296	393	25	,	,	PUNCT
fsr-3296	393	26	neurotic	neurotic	ADJ
fsr-3296	393	27	individuals	individual	NOUN
fsr-3296	393	28	have	have	VERB
fsr-3296	393	29	a	a	DET
fsr-3296	393	30	neutral	neutral	ADJ
fsr-3296	393	31	attitude	attitude	NOUN
fsr-3296	393	32	toward	toward	ADP
fsr-3296	393	33	borrowing	borrowing	NOUN
fsr-3296	393	34	(	(	PUNCT
fsr-3296	393	35	i.e.	i.e.	X
fsr-3296	393	36	,	,	PUNCT
fsr-3296	393	37	their	their	PRON
fsr-3296	393	38	attitudes	attitude	NOUN
fsr-3296	393	39	towards	towards	ADP
fsr-3296	393	40	borrowing	borrowing	NOUN
fsr-3296	393	41	is	be	AUX
fsr-3296	393	42	not	not	PART
fsr-3296	393	43	favorable	favorable	ADJ
fsr-3296	393	44	in	in	ADP
fsr-3296	393	45	general	general	ADJ
fsr-3296	393	46	)	)	PUNCT
fsr-3296	393	47	.	.	PUNCT
fsr-3296	394	1	moreover	moreover	ADV
fsr-3296	394	2	,	,	PUNCT
fsr-3296	394	3	individuals	individual	NOUN
fsr-3296	394	4	who	who	PRON
fsr-3296	394	5	score	score	VERB
fsr-3296	394	6	high	high	ADV
fsr-3296	394	7	on	on	ADP
fsr-3296	394	8	introversion	introversion	NOUN
fsr-3296	394	9	exhibit	exhibit	VERB
fsr-3296	394	10	stronger	strong	ADJ
fsr-3296	394	11	intentions	intention	NOUN
fsr-3296	394	12	to	to	PART
fsr-3296	394	13	open	open	VERB
fsr-3296	394	14	new	new	ADJ
fsr-3296	394	15	credit	credit	NOUN
fsr-3296	394	16	card	card	NOUN
fsr-3296	394	17	accounts	account	NOUN
fsr-3296	394	18	although	although	SCONJ
fsr-3296	394	19	despite	despite	SCONJ
fsr-3296	394	20	having	have	VERB
fsr-3296	394	21	neutral	neutral	ADJ
fsr-3296	394	22	attitudes	attitude	NOUN
fsr-3296	394	23	towards	towards	ADP
fsr-3296	394	24	borrowing	borrowing	NOUN
fsr-3296	394	25	.	.	PUNCT
fsr-3296	395	1	also	also	ADV
fsr-3296	395	2	,	,	PUNCT
fsr-3296	395	3	those	those	PRON
fsr-3296	395	4	with	with	ADP
fsr-3296	395	5	higher	high	ADJ
fsr-3296	395	6	levels	level	NOUN
fsr-3296	395	7	of	of	ADP
fsr-3296	395	8	agreeableness	agreeableness	NOUN
fsr-3296	395	9	and	and	CCONJ
fsr-3296	395	10	conscientiousness	conscientiousness	NOUN
fsr-3296	395	11	show	show	VERB
fsr-3296	395	12	negative	negative	ADJ
fsr-3296	395	13	attitudes	attitude	NOUN
fsr-3296	395	14	towards	towards	ADP
fsr-3296	395	15	borrowing	borrowing	NOUN
fsr-3296	395	16	,	,	PUNCT
fsr-3296	395	17	but	but	CCONJ
fsr-3296	395	18	this	this	PRON
fsr-3296	395	19	neither	neither	CCONJ
fsr-3296	395	20	strengthens	strengthen	VERB
fsr-3296	395	21	nor	nor	CCONJ
fsr-3296	395	22	weakens	weaken	VERB
fsr-3296	395	23	their	their	PRON
fsr-3296	395	24	intentions	intention	NOUN
fsr-3296	395	25	to	to	PART
fsr-3296	395	26	borrow	borrow	VERB
fsr-3296	395	27	in	in	ADP
fsr-3296	395	28	almost	almost	ADV
fsr-3296	395	29	all	all	PRON
fsr-3296	395	30	categories	category	NOUN
fsr-3296	395	31	(	(	PUNCT
fsr-3296	395	32	except	except	SCONJ
fsr-3296	395	33	for	for	ADP
fsr-3296	395	34	mortgage	mortgage	NOUN
fsr-3296	395	35	and	and	CCONJ
fsr-3296	395	36	payday	payday	NOUN
fsr-3296	395	37	loans	loan	NOUN
fsr-3296	395	38	)	)	PUNCT
fsr-3296	395	39	.	.	PUNCT
fsr-3296	396	1	the	the	DET
fsr-3296	396	2	coefficients	coefficient	NOUN
fsr-3296	396	3	of	of	ADP
fsr-3296	396	4	borrhist	borrhist	NOUN
fsr-3296	396	5	are	be	AUX
fsr-3296	396	6	positive	positive	ADJ
fsr-3296	396	7	,	,	PUNCT
fsr-3296	396	8	significant	significant	ADJ
fsr-3296	396	9	,	,	PUNCT
fsr-3296	396	10	and	and	CCONJ
fsr-3296	396	11	statistically	statistically	ADV
fsr-3296	396	12	distinctive	distinctive	ADJ
fsr-3296	396	13	from	from	ADP
fsr-3296	396	14	zero	zero	NUM
fsr-3296	396	15	within	within	ADP
fsr-3296	396	16	each	each	DET
fsr-3296	396	17	borrowing	borrow	VERB
fsr-3296	396	18	category	category	NOUN
fsr-3296	396	19	(	(	PUNCT
fsr-3296	396	20	except	except	SCONJ
fsr-3296	396	21	mortgage	mortgage	NOUN
fsr-3296	396	22	)	)	PUNCT
fsr-3296	396	23	.	.	PUNCT
fsr-3296	397	1	therefore	therefore	ADV
fsr-3296	397	2	,	,	PUNCT
fsr-3296	397	3	previous	previous	ADJ
fsr-3296	397	4	borrowing	borrowing	NOUN
fsr-3296	397	5	behavior	behavior	NOUN
fsr-3296	397	6	is	be	AUX
fsr-3296	397	7	positively	positively	ADV
fsr-3296	397	8	related	relate	VERB
fsr-3296	397	9	to	to	ADP
fsr-3296	397	10	future	future	ADJ
fsr-3296	397	11	borrowing	borrowing	NOUN
fsr-3296	397	12	behavior	behavior	NOUN
fsr-3296	397	13	.	.	PUNCT
fsr-3296	398	1	this	this	PRON
fsr-3296	398	2	implies	imply	VERB
fsr-3296	398	3	that	that	SCONJ
fsr-3296	398	4	borrowing	borrowing	NOUN
fsr-3296	398	5	could	could	AUX
fsr-3296	398	6	be	be	AUX
fsr-3296	398	7	a	a	DET
fsr-3296	398	8	repetitive	repetitive	ADJ
fsr-3296	398	9	or	or	CCONJ
fsr-3296	398	10	an	an	DET
fsr-3296	398	11	addictive	addictive	ADJ
fsr-3296	398	12	behavior	behavior	NOUN
fsr-3296	398	13	that	that	PRON
fsr-3296	398	14	makes	make	VERB
fsr-3296	398	15	future	future	ADJ
fsr-3296	398	16	borrowing	borrow	VERB
fsr-3296	398	17	more	more	ADV
fsr-3296	398	18	probable	probable	ADJ
fsr-3296	398	19	.	.	PUNCT
fsr-3296	399	1	in	in	ADP
fsr-3296	399	2	other	other	ADJ
fsr-3296	399	3	words	word	NOUN
fsr-3296	399	4	,	,	PUNCT
fsr-3296	399	5	it	it	PRON
fsr-3296	399	6	could	could	AUX
fsr-3296	399	7	be	be	AUX
fsr-3296	399	8	argued	argue	VERB
fsr-3296	399	9	that	that	SCONJ
fsr-3296	399	10	borrowers	borrower	NOUN
fsr-3296	399	11	somehow	somehow	ADV
fsr-3296	399	12	create	create	VERB
fsr-3296	399	13	a	a	DET
fsr-3296	399	14	level	level	NOUN
fsr-3296	399	15	of	of	ADP
fsr-3296	399	16	comfort	comfort	NOUN
fsr-3296	399	17	zone	zone	NOUN
fsr-3296	399	18	in	in	ADP
fsr-3296	399	19	borrowing	borrowing	NOUN
fsr-3296	399	20	,	,	PUNCT
fsr-3296	399	21	since	since	SCONJ
fsr-3296	399	22	those	those	PRON
fsr-3296	399	23	who	who	PRON
fsr-3296	399	24	have	have	AUX
fsr-3296	399	25	borrowed	borrow	VERB
fsr-3296	399	26	in	in	ADP
fsr-3296	399	27	a	a	DET
fsr-3296	399	28	certain	certain	ADJ
fsr-3296	399	29	manner	manner	NOUN
fsr-3296	399	30	in	in	ADP
fsr-3296	399	31	the	the	DET
fsr-3296	399	32	past	past	NOUN
fsr-3296	399	33	have	have	VERB
fsr-3296	399	34	relatively	relatively	ADV
fsr-3296	399	35	stronger	strong	ADJ
fsr-3296	399	36	intentions	intention	NOUN
fsr-3296	399	37	to	to	PART
fsr-3296	399	38	borrow	borrow	VERB
fsr-3296	399	39	in	in	ADP
fsr-3296	399	40	a	a	DET
fsr-3296	399	41	similar	similar	ADJ
fsr-3296	399	42	manner	manner	NOUN
fsr-3296	399	43	in	in	ADP
fsr-3296	399	44	the	the	DET
fsr-3296	399	45	future	future	NOUN
fsr-3296	399	46	.	.	PUNCT
fsr-3296	400	1	the	the	DET
fsr-3296	400	2	finding	finding	NOUN
fsr-3296	400	3	that	that	DET
fsr-3296	400	4	attitude	attitude	NOUN
fsr-3296	400	5	towards	towards	ADP
fsr-3296	400	6	borrowing	borrowing	NOUN
fsr-3296	400	7	is	be	AUX
fsr-3296	400	8	relatively	relatively	ADV
fsr-3296	400	9	more	more	ADV
fsr-3296	400	10	favorable	favorable	ADJ
fsr-3296	400	11	for	for	ADP
fsr-3296	400	12	those	those	PRON
fsr-3296	400	13	who	who	PRON
fsr-3296	400	14	have	have	AUX
fsr-3296	400	15	applied	apply	VERB
fsr-3296	400	16	for	for	ADP
fsr-3296	400	17	credit	credit	NOUN
fsr-3296	400	18	in	in	ADP
fsr-3296	400	19	the	the	DET
fsr-3296	400	20	past	past	ADJ
fsr-3296	400	21	5	5	NUM
fsr-3296	400	22	years	year	NOUN
fsr-3296	400	23	(	(	PUNCT
fsr-3296	400	24	see	see	VERB
fsr-3296	400	25	borrstatapld	borrstatapld	NOUN
fsr-3296	400	26	)	)	PUNCT
fsr-3296	400	27	)	)	PUNCT
fsr-3296	401	1	also	also	ADV
fsr-3296	401	2	supports	support	VERB
fsr-3296	401	3	this	this	DET
fsr-3296	401	4	view	view	NOUN
fsr-3296	401	5	.	.	PUNCT
fsr-3296	402	1	the	the	DET
fsr-3296	402	2	intention	intention	NOUN
fsr-3296	402	3	to	to	PART
fsr-3296	402	4	borrow	borrow	VERB
fsr-3296	402	5	is	be	AUX
fsr-3296	402	6	relatively	relatively	ADV
fsr-3296	402	7	weaker	weak	ADJ
fsr-3296	402	8	for	for	ADP
fsr-3296	402	9	those	those	PRON
fsr-3296	402	10	who	who	PRON
fsr-3296	402	11	pay	pay	VERB
fsr-3296	402	12	their	their	PRON
fsr-3296	402	13	bills	bill	NOUN
fsr-3296	402	14	on	on	ADP
fsr-3296	402	15	time	time	NOUN
fsr-3296	402	16	(	(	PUNCT
fsr-3296	402	17	borrstatontime	borrstatontime	NOUN
fsr-3296	402	18	)	)	PUNCT
fsr-3296	402	19	.	.	PUNCT
fsr-3296	403	1	this	this	PRON
fsr-3296	403	2	could	could	AUX
fsr-3296	403	3	be	be	AUX
fsr-3296	403	4	related	relate	VERB
fsr-3296	403	5	to	to	ADP
fsr-3296	403	6	the	the	DET
fsr-3296	403	7	fact	fact	NOUN
fsr-3296	403	8	that	that	SCONJ
fsr-3296	403	9	for	for	ADP
fsr-3296	403	10	responsible	responsible	ADJ
fsr-3296	403	11	borrowers	borrower	NOUN
fsr-3296	403	12	who	who	PRON
fsr-3296	403	13	make	make	VERB
fsr-3296	403	14	timely	timely	ADJ
fsr-3296	403	15	payments	payment	NOUN
fsr-3296	403	16	,	,	PUNCT
fsr-3296	403	17	more	more	ADJ
fsr-3296	403	18	loans	loan	NOUN
fsr-3296	403	19	would	would	AUX
fsr-3296	403	20	result	result	VERB
fsr-3296	403	21	in	in	ADP
fsr-3296	403	22	inability	inability	NOUN
fsr-3296	403	23	to	to	PART
fsr-3296	403	24	make	make	VERB
fsr-3296	403	25	timely	timely	ADJ
fsr-3296	403	26	payments	payment	NOUN
fsr-3296	403	27	in	in	ADP
fsr-3296	403	28	the	the	DET
fsr-3296	403	29	future	future	NOUN
fsr-3296	403	30	.	.	PUNCT
fsr-3296	404	1	in	in	ADP
fsr-3296	404	2	addition	addition	NOUN
fsr-3296	404	3	,	,	PUNCT
fsr-3296	404	4	table	table	NOUN
fsr-3296	404	5	2	2	NUM
fsr-3296	404	6	unveils	unveil	VERB
fsr-3296	404	7	several	several	ADJ
fsr-3296	404	8	attributes	attribute	NOUN
fsr-3296	404	9	of	of	ADP
fsr-3296	404	10	the	the	DET
fsr-3296	404	11	relationship	relationship	NOUN
fsr-3296	404	12	between	between	ADP
fsr-3296	404	13	financial	financial	ADJ
fsr-3296	404	14	behavior	behavior	NOUN
fsr-3296	404	15	and	and	CCONJ
fsr-3296	404	16	personalities	personality	NOUN
fsr-3296	404	17	.	.	PUNCT
fsr-3296	405	1	more	more	ADV
fsr-3296	405	2	specifically	specifically	ADV
fsr-3296	405	3	,	,	PUNCT
fsr-3296	405	4	the	the	DET
fsr-3296	405	5	results	result	NOUN
fsr-3296	405	6	in	in	ADP
fsr-3296	405	7	table	table	NOUN
fsr-3296	405	8	2	2	NUM
fsr-3296	405	9	do	do	AUX
fsr-3296	405	10	not	not	PART
fsr-3296	405	11	provide	provide	VERB
fsr-3296	405	12	support	support	NOUN
fsr-3296	405	13	for	for	ADP
fsr-3296	405	14	the	the	DET
fsr-3296	405	15	findings	finding	NOUN
fsr-3296	405	16	of	of	ADP
fsr-3296	405	17	davey	davey	NOUN
fsr-3296	405	18	and	and	CCONJ
fsr-3296	405	19	george	george	PROPN
fsr-3296	405	20	(	(	PUNCT
fsr-3296	405	21	2011	2011	NUM
fsr-3296	405	22	)	)	PUNCT
fsr-3296	405	23	who	who	PRON
fsr-3296	405	24	provided	provide	VERB
fsr-3296	405	25	evidence	evidence	NOUN
fsr-3296	405	26	indicating	indicate	VERB
fsr-3296	405	27	that	that	SCONJ
fsr-3296	405	28	openness	openness	NOUN
fsr-3296	405	29	to	to	ADP
fsr-3296	405	30	experience	experience	NOUN
fsr-3296	405	31	is	be	AUX
fsr-3296	405	32	associated	associate	VERB
fsr-3296	405	33	with	with	ADP
fsr-3296	405	34	higher	high	ADJ
fsr-3296	405	35	intentions	intention	NOUN
fsr-3296	405	36	to	to	PART
fsr-3296	405	37	borrow	borrow	VERB
fsr-3296	405	38	.	.	PUNCT
fsr-3296	406	1	our	our	PRON
fsr-3296	406	2	results	result	NOUN
fsr-3296	406	3	do	do	AUX
fsr-3296	406	4	not	not	PART
fsr-3296	406	5	support	support	VERB
fsr-3296	406	6	the	the	DET
fsr-3296	406	7	findings	finding	NOUN
fsr-3296	406	8	of	of	ADP
fsr-3296	406	9	harley	harley	NOUN
fsr-3296	406	10	and	and	CCONJ
fsr-3296	406	11	wilhelm	wilhelm	PROPN
fsr-3296	406	12	(	(	PUNCT
fsr-3296	406	13	1992	1992	NUM
fsr-3296	406	14	)	)	PUNCT
fsr-3296	406	15	reporting	report	VERB
fsr-3296	406	16	that	that	SCONJ
fsr-3296	406	17	highly	highly	ADV
fsr-3296	406	18	conscientious	conscientious	ADJ
fsr-3296	406	19	individuals	individual	NOUN
fsr-3296	406	20	are	be	AUX
fsr-3296	406	21	less	less	ADV
fsr-3296	406	22	likely	likely	ADJ
fsr-3296	406	23	in	in	ADP
fsr-3296	406	24	need	need	NOUN
fsr-3296	406	25	of	of	ADP
fsr-3296	406	26	borrowing	borrowing	NOUN
fsr-3296	406	27	.	.	PUNCT
fsr-3296	407	1	our	our	PRON
fsr-3296	407	2	findings	finding	NOUN
fsr-3296	407	3	indicate	indicate	VERB
fsr-3296	407	4	that	that	DET
fsr-3296	407	5	openness	openness	NOUN
fsr-3296	407	6	to	to	PART
fsr-3296	407	7	experience	experience	NOUN
fsr-3296	407	8	and	and	CCONJ
fsr-3296	407	9	conscientiousness	conscientiousness	NOUN
fsr-3296	407	10	are	be	AUX
fsr-3296	407	11	personality	personality	NOUN
fsr-3296	407	12	traits	trait	NOUN
fsr-3296	407	13	that	that	PRON
fsr-3296	407	14	do	do	AUX
fsr-3296	407	15	not	not	PART
fsr-3296	407	16	weaken	weaken	VERB
fsr-3296	407	17	,	,	PUNCT
fsr-3296	407	18	nor	nor	CCONJ
fsr-3296	407	19	do	do	AUX
fsr-3296	407	20	they	they	PRON
fsr-3296	407	21	intensify	intensify	VERB
fsr-3296	407	22	borrowing	borrowing	NOUN
fsr-3296	407	23	intentions	intention	NOUN
fsr-3296	407	24	.	.	PUNCT
fsr-3296	408	1	moreover	moreover	ADV
fsr-3296	408	2	,	,	PUNCT
fsr-3296	408	3	our	our	PRON
fsr-3296	408	4	results	result	NOUN
fsr-3296	408	5	indicate	indicate	VERB
fsr-3296	408	6	that	that	SCONJ
fsr-3296	408	7	neuroticism	neuroticism	NOUN
fsr-3296	408	8	is	be	AUX
fsr-3296	408	9	positively	positively	ADV
fsr-3296	408	10	associated	associate	VERB
fsr-3296	408	11	with	with	ADP
fsr-3296	408	12	certain	certain	ADJ
fsr-3296	408	13	types	type	NOUN
fsr-3296	408	14	of	of	ADP
fsr-3296	408	15	borrowings	borrowing	NOUN
fsr-3296	408	16	such	such	ADJ
fsr-3296	408	17	as	as	ADP
fsr-3296	408	18	student	student	NOUN
fsr-3296	408	19	loans	loan	NOUN
fsr-3296	408	20	and	and	CCONJ
fsr-3296	408	21	personal	personal	ADJ
fsr-3296	408	22	loans	loan	NOUN
fsr-3296	408	23	.	.	PUNCT
fsr-3296	409	1	this	this	PRON
fsr-3296	409	2	is	be	AUX
fsr-3296	409	3	consistent	consistent	ADJ
fsr-3296	409	4	with	with	ADP
fsr-3296	409	5	the	the	DET
fsr-3296	409	6	view	view	NOUN
fsr-3296	409	7	that	that	SCONJ
fsr-3296	409	8	68	68	NUM
fsr-3296	409	9	a.	a.	NOUN
fsr-3296	409	10	yazdanparast	yazdanparast	NOUN
fsr-3296	409	11	,	,	PUNCT
fsr-3296	409	12	y.	y.	PROPN
fsr-3296	409	13	alhenawi	alhenawi	PROPN
fsr-3296	409	14	/	/	SYM
fsr-3296	409	15	financial	financial	ADJ
fsr-3296	409	16	services	service	NOUN
fsr-3296	409	17	review	review	VERB
fsr-3296	409	18	26	26	NUM
fsr-3296	409	19	(	(	PUNCT
fsr-3296	409	20	2017	2017	NUM
fsr-3296	409	21	)	)	PUNCT
fsr-3296	410	1	55–85	55–85	NUM
fsr-3296	410	2	neuroticism	neuroticism	NOUN
fsr-3296	410	3	is	be	AUX
fsr-3296	410	4	associated	associate	VERB
fsr-3296	410	5	with	with	ADP
fsr-3296	410	6	overspending	overspending	NOUN
fsr-3296	410	7	(	(	PUNCT
fsr-3296	410	8	mansfield	mansfield	PROPN
fsr-3296	410	9	,	,	PUNCT
fsr-3296	410	10	pinto	pinto	NOUN
fsr-3296	410	11	,	,	PUNCT
fsr-3296	410	12	&	&	CCONJ
fsr-3296	410	13	parente	parente	X
fsr-3296	410	14	,	,	PUNCT
fsr-3296	410	15	2003	2003	NUM
fsr-3296	410	16	)	)	PUNCT
fsr-3296	410	17	,	,	PUNCT
fsr-3296	410	18	impulsive	impulsive	ADJ
fsr-3296	410	19	spending	spending	NOUN
fsr-3296	410	20	(	(	PUNCT
fsr-3296	410	21	baumeister	baumeister	NOUN
fsr-3296	410	22	and	and	CCONJ
fsr-3296	410	23	exline	exline	ADJ
fsr-3296	410	24	2000	2000	NUM
fsr-3296	410	25	;	;	PUNCT
fsr-3296	410	26	strayhorn	strayhorn	VERB
fsr-3296	410	27	,	,	PUNCT
fsr-3296	410	28	2002	2002	NUM
fsr-3296	410	29	;	;	PUNCT
fsr-3296	410	30	youn	youn	PROPN
fsr-3296	410	31	&	&	CCONJ
fsr-3296	410	32	faber	faber	PROPN
fsr-3296	410	33	,	,	PUNCT
fsr-3296	410	34	2000	2000	NUM
fsr-3296	410	35	)	)	PUNCT
fsr-3296	410	36	,	,	PUNCT
fsr-3296	410	37	compulsive	compulsive	ADJ
fsr-3296	410	38	buying	buying	NOUN
fsr-3296	410	39	(	(	PUNCT
fsr-3296	410	40	mowen	mowen	NOUN
fsr-3296	410	41	,	,	PUNCT
fsr-3296	410	42	2000	2000	NUM
fsr-3296	410	43	)	)	PUNCT
fsr-3296	410	44	,	,	PUNCT
fsr-3296	410	45	and	and	CCONJ
fsr-3296	410	46	poor	poor	ADJ
fsr-3296	410	47	financial	financial	ADJ
fsr-3296	410	48	planning	planning	NOUN
fsr-3296	410	49	(	(	PUNCT
fsr-3296	410	50	brandstatter	brandstatter	NOUN
fsr-3296	410	51	,	,	PUNCT
fsr-3296	410	52	1996	1996	NUM
fsr-3296	410	53	;	;	PUNCT
fsr-3296	410	54	davey	davey	NOUN
fsr-3296	410	55	and	and	CCONJ
fsr-3296	410	56	george	george	PROPN
fsr-3296	410	57	,	,	PUNCT
fsr-3296	410	58	2011	2011	NUM
fsr-3296	410	59	)	)	PUNCT
fsr-3296	410	60	.	.	PUNCT
fsr-3296	411	1	it	it	PRON
fsr-3296	411	2	is	be	AUX
fsr-3296	411	3	clear	clear	ADJ
fsr-3296	411	4	that	that	SCONJ
fsr-3296	411	5	these	these	DET
fsr-3296	411	6	types	type	NOUN
fsr-3296	411	7	of	of	ADP
fsr-3296	411	8	this	this	DET
fsr-3296	411	9	financial	financial	ADJ
fsr-3296	411	10	behavior	behavior	NOUN
fsr-3296	411	11	would	would	AUX
fsr-3296	411	12	eventually	eventually	ADV
fsr-3296	411	13	lead	lead	VERB
fsr-3296	411	14	to	to	ADP
fsr-3296	411	15	immediate	immediate	ADJ
fsr-3296	411	16	need	need	NOUN
fsr-3296	411	17	for	for	ADP
fsr-3296	411	18	money	money	NOUN
fsr-3296	411	19	that	that	PRON
fsr-3296	411	20	is	be	AUX
fsr-3296	411	21	often	often	ADV
fsr-3296	411	22	satisfied	satisfied	ADJ
fsr-3296	411	23	with	with	ADP
fsr-3296	411	24	borrowing	borrow	VERB
fsr-3296	411	25	in	in	ADP
fsr-3296	411	26	the	the	DET
fsr-3296	411	27	form	form	NOUN
fsr-3296	411	28	of	of	ADP
fsr-3296	411	29	personal	personal	ADJ
fsr-3296	411	30	loans	loan	NOUN
fsr-3296	411	31	.	.	PUNCT
fsr-3296	412	1	poor	poor	ADJ
fsr-3296	412	2	financial	financial	ADJ
fsr-3296	412	3	planning	planning	NOUN
fsr-3296	412	4	(	(	PUNCT
fsr-3296	412	5	another	another	DET
fsr-3296	412	6	behavior	behavior	NOUN
fsr-3296	412	7	related	relate	VERB
fsr-3296	412	8	to	to	ADP
fsr-3296	412	9	this	this	DET
fsr-3296	412	10	personality	personality	NOUN
fsr-3296	412	11	trait	trait	NOUN
fsr-3296	412	12	)	)	PUNCT
fsr-3296	412	13	could	could	AUX
fsr-3296	412	14	result	result	VERB
fsr-3296	412	15	in	in	ADP
fsr-3296	412	16	higher	high	ADJ
fsr-3296	412	17	needs	need	NOUN
fsr-3296	412	18	for	for	ADP
fsr-3296	412	19	student	student	NOUN
fsr-3296	412	20	loans	loan	NOUN
fsr-3296	412	21	as	as	ADV
fsr-3296	412	22	well	well	ADV
fsr-3296	412	23	(	(	PUNCT
fsr-3296	412	24	please	please	INTJ
fsr-3296	412	25	note	note	VERB
fsr-3296	412	26	that	that	SCONJ
fsr-3296	412	27	we	we	PRON
fsr-3296	412	28	have	have	AUX
fsr-3296	412	29	controlled	control	VERB
fsr-3296	412	30	for	for	ADP
fsr-3296	412	31	the	the	DET
fsr-3296	412	32	effect	effect	NOUN
fsr-3296	412	33	of	of	ADP
fsr-3296	412	34	income	income	NOUN
fsr-3296	412	35	)	)	PUNCT
fsr-3296	412	36	.	.	PUNCT
fsr-3296	413	1	our	our	PRON
fsr-3296	413	2	results	result	NOUN
fsr-3296	413	3	also	also	ADV
fsr-3296	413	4	indicate	indicate	VERB
fsr-3296	413	5	that	that	SCONJ
fsr-3296	413	6	introversion	introversion	NOUN
fsr-3296	413	7	is	be	AUX
fsr-3296	413	8	not	not	PART
fsr-3296	413	9	associated	associate	VERB
fsr-3296	413	10	with	with	ADP
fsr-3296	413	11	any	any	DET
fsr-3296	413	12	change	change	NOUN
fsr-3296	413	13	in	in	ADP
fsr-3296	413	14	the	the	DET
fsr-3296	413	15	intention	intention	NOUN
fsr-3296	413	16	to	to	PART
fsr-3296	413	17	borrow	borrow	VERB
fsr-3296	413	18	across	across	ADP
fsr-3296	413	19	seven	seven	NUM
fsr-3296	413	20	different	different	ADJ
fsr-3296	413	21	borrowing	borrowing	NOUN
fsr-3296	413	22	options	option	NOUN
fsr-3296	413	23	except	except	SCONJ
fsr-3296	413	24	for	for	ADP
fsr-3296	413	25	credit	credit	NOUN
fsr-3296	413	26	cards	card	NOUN
fsr-3296	413	27	.	.	PUNCT
fsr-3296	414	1	the	the	DET
fsr-3296	414	2	positive	positive	ADJ
fsr-3296	414	3	association	association	NOUN
fsr-3296	414	4	between	between	ADP
fsr-3296	414	5	this	this	DET
fsr-3296	414	6	trait	trait	NOUN
fsr-3296	414	7	and	and	CCONJ
fsr-3296	414	8	intentions	intention	NOUN
fsr-3296	414	9	to	to	PART
fsr-3296	414	10	credit	credit	NOUN
fsr-3296	414	11	card	card	NOUN
fsr-3296	414	12	borrowing	borrowing	NOUN
fsr-3296	414	13	is	be	AUX
fsr-3296	414	14	indeed	indeed	ADV
fsr-3296	414	15	interesting	interesting	ADJ
fsr-3296	414	16	and	and	CCONJ
fsr-3296	414	17	in	in	ADP
fsr-3296	414	18	line	line	NOUN
fsr-3296	414	19	with	with	ADP
fsr-3296	414	20	an	an	DET
fsr-3296	414	21	earlier	early	ADV
fsr-3296	414	22	finding	finding	NOUN
fsr-3296	414	23	by	by	ADP
fsr-3296	414	24	davey	davey	NOUN
fsr-3296	414	25	and	and	CCONJ
fsr-3296	414	26	george	george	PROPN
fsr-3296	414	27	(	(	PUNCT
fsr-3296	414	28	2011	2011	NUM
fsr-3296	414	29	)	)	PUNCT
fsr-3296	414	30	,	,	PUNCT
fsr-3296	414	31	supplying	supply	VERB
fsr-3296	414	32	additional	additional	ADJ
fsr-3296	414	33	support	support	NOUN
fsr-3296	414	34	for	for	ADP
fsr-3296	414	35	our	our	PRON
fsr-3296	414	36	argument	argument	NOUN
fsr-3296	414	37	that	that	SCONJ
fsr-3296	414	38	borrowing	borrowing	NOUN
fsr-3296	414	39	options	option	NOUN
fsr-3296	414	40	are	be	AUX
fsr-3296	414	41	not	not	PART
fsr-3296	414	42	homogenous	homogenous	ADJ
fsr-3296	414	43	.	.	PUNCT
fsr-3296	415	1	however	however	ADV
fsr-3296	415	2	,	,	PUNCT
fsr-3296	415	3	our	our	PRON
fsr-3296	415	4	findings	finding	NOUN
fsr-3296	415	5	do	do	AUX
fsr-3296	415	6	not	not	PART
fsr-3296	415	7	support	support	VERB
fsr-3296	415	8	those	those	PRON
fsr-3296	415	9	of	of	ADP
fsr-3296	415	10	sadi	sadi	NOUN
fsr-3296	415	11	et	et	PROPN
fsr-3296	415	12	al	al	PROPN
fsr-3296	415	13	.	.	PROPN
fsr-3296	416	1	(	(	PUNCT
fsr-3296	416	2	2011	2011	NUM
fsr-3296	416	3	)	)	PUNCT
fsr-3296	416	4	who	who	PRON
fsr-3296	416	5	found	find	VERB
fsr-3296	416	6	that	that	DET
fsr-3296	416	7	extroversion	extroversion	NOUN
fsr-3296	416	8	(	(	PUNCT
fsr-3296	416	9	i.e.	i.e.	X
fsr-3296	416	10	,	,	PUNCT
fsr-3296	416	11	the	the	DET
fsr-3296	416	12	opposite	opposite	NOUN
fsr-3296	416	13	of	of	ADP
fsr-3296	416	14	introversion	introversion	NOUN
fsr-3296	416	15	)	)	PUNCT
fsr-3296	416	16	increases	increase	VERB
fsr-3296	416	17	the	the	DET
fsr-3296	416	18	tendency	tendency	NOUN
fsr-3296	416	19	to	to	PART
fsr-3296	416	20	borrow	borrow	VERB
fsr-3296	416	21	.	.	PUNCT
fsr-3296	417	1	finally	finally	ADV
fsr-3296	417	2	,	,	PUNCT
fsr-3296	417	3	we	we	PRON
fsr-3296	417	4	found	find	VERB
fsr-3296	417	5	that	that	SCONJ
fsr-3296	417	6	agreeableness	agreeableness	NOUN
fsr-3296	417	7	is	be	AUX
fsr-3296	417	8	positively	positively	ADV
fsr-3296	417	9	related	relate	VERB
fsr-3296	417	10	to	to	ADP
fsr-3296	417	11	the	the	DET
fsr-3296	417	12	intention	intention	NOUN
fsr-3296	417	13	to	to	PART
fsr-3296	417	14	use	use	VERB
fsr-3296	417	15	mortgages	mortgage	NOUN
fsr-3296	417	16	and	and	CCONJ
fsr-3296	417	17	negatively	negatively	ADV
fsr-3296	417	18	to	to	ADP
fsr-3296	417	19	the	the	DET
fsr-3296	417	20	intention	intention	NOUN
fsr-3296	417	21	to	to	PART
fsr-3296	417	22	use	use	VERB
fsr-3296	417	23	payday	payday	NOUN
fsr-3296	417	24	loans	loan	NOUN
fsr-3296	417	25	.	.	PUNCT
fsr-3296	418	1	nyhus	nyhu	NOUN
fsr-3296	418	2	and	and	CCONJ
fsr-3296	418	3	webley	webley	PROPN
fsr-3296	418	4	(	(	PUNCT
fsr-3296	418	5	2001	2001	NUM
fsr-3296	418	6	)	)	PUNCT
fsr-3296	418	7	showed	show	VERB
fsr-3296	418	8	that	that	SCONJ
fsr-3296	418	9	highly	highly	ADV
fsr-3296	418	10	agreeable	agreeable	ADJ
fsr-3296	418	11	people	people	NOUN
fsr-3296	418	12	have	have	VERB
fsr-3296	418	13	higher	high	ADJ
fsr-3296	418	14	needs	need	NOUN
fsr-3296	418	15	to	to	PART
fsr-3296	418	16	borrow	borrow	VERB
fsr-3296	418	17	more	more	ADJ
fsr-3296	418	18	.	.	PUNCT
fsr-3296	419	1	our	our	PRON
fsr-3296	419	2	results	result	NOUN
fsr-3296	419	3	indicates	indicate	VERB
fsr-3296	419	4	that	that	SCONJ
fsr-3296	419	5	this	this	DET
fsr-3296	419	6	conclusions	conclusion	NOUN
fsr-3296	419	7	extends	extend	VERB
fsr-3296	419	8	only	only	ADV
fsr-3296	419	9	to	to	ADP
fsr-3296	419	10	mortgages	mortgage	NOUN
fsr-3296	419	11	.	.	PUNCT
fsr-3296	420	1	contemplating	contemplate	VERB
fsr-3296	420	2	the	the	DET
fsr-3296	420	3	differences	difference	NOUN
fsr-3296	420	4	between	between	ADP
fsr-3296	420	5	our	our	PRON
fsr-3296	420	6	findings	finding	NOUN
fsr-3296	420	7	and	and	CCONJ
fsr-3296	420	8	the	the	DET
fsr-3296	420	9	findings	finding	NOUN
fsr-3296	420	10	of	of	ADP
fsr-3296	420	11	earlier	early	ADJ
fsr-3296	420	12	research	research	NOUN
fsr-3296	420	13	,	,	PUNCT
fsr-3296	420	14	we	we	PRON
fsr-3296	420	15	argue	argue	VERB
fsr-3296	420	16	that	that	SCONJ
fsr-3296	420	17	these	these	DET
fsr-3296	420	18	differences	difference	NOUN
fsr-3296	420	19	are	be	AUX
fsr-3296	420	20	attributed	attribute	VERB
fsr-3296	420	21	to	to	ADP
fsr-3296	420	22	several	several	ADJ
fsr-3296	420	23	factors	factor	NOUN
fsr-3296	420	24	.	.	PUNCT
fsr-3296	421	1	first	first	ADV
fsr-3296	421	2	,	,	PUNCT
fsr-3296	421	3	we	we	PRON
fsr-3296	421	4	take	take	VERB
fsr-3296	421	5	a	a	DET
fsr-3296	421	6	more	more	ADV
fsr-3296	421	7	meticulous	meticulous	ADJ
fsr-3296	421	8	approach	approach	NOUN
fsr-3296	421	9	to	to	ADP
fsr-3296	421	10	borrowing	borrow	VERB
fsr-3296	421	11	by	by	ADP
fsr-3296	421	12	considering	consider	VERB
fsr-3296	421	13	a	a	DET
fsr-3296	421	14	wide	wide	ADJ
fsr-3296	421	15	range	range	NOUN
fsr-3296	421	16	of	of	ADP
fsr-3296	421	17	borrowing	borrowing	NOUN
fsr-3296	421	18	options	option	NOUN
fsr-3296	421	19	and	and	CCONJ
fsr-3296	421	20	adding	add	VERB
fsr-3296	421	21	more	more	ADJ
fsr-3296	421	22	specificity	specificity	NOUN
fsr-3296	421	23	to	to	ADP
fsr-3296	421	24	understanding	understand	VERB
fsr-3296	421	25	borrowing	borrowing	NOUN
fsr-3296	421	26	decisions	decision	NOUN
fsr-3296	421	27	.	.	PUNCT
fsr-3296	422	1	second	second	ADJ
fsr-3296	422	2	,	,	PUNCT
fsr-3296	422	3	we	we	PRON
fsr-3296	422	4	use	use	VERB
fsr-3296	422	5	a	a	DET
fsr-3296	422	6	comprehensive	comprehensive	ADJ
fsr-3296	422	7	personality	personality	NOUN
fsr-3296	422	8	profiling	profiling	NOUN
fsr-3296	422	9	approach	approach	NOUN
fsr-3296	422	10	by	by	ADP
fsr-3296	422	11	examining	examine	VERB
fsr-3296	422	12	the	the	DET
fsr-3296	422	13	two	two	NUM
fsr-3296	422	14	understudied	understudied	ADJ
fsr-3296	422	15	personality	personality	NOUN
fsr-3296	422	16	traits	trait	NOUN
fsr-3296	422	17	in	in	ADP
fsr-3296	422	18	addition	addition	NOUN
fsr-3296	422	19	to	to	ADP
fsr-3296	422	20	the	the	DET
fsr-3296	422	21	traditionally	traditionally	ADV
fsr-3296	422	22	studied	study	VERB
fsr-3296	422	23	big	big	ADJ
fsr-3296	422	24	five	five	NUM
fsr-3296	422	25	traits	trait	NOUN
fsr-3296	422	26	while	while	SCONJ
fsr-3296	422	27	specifically	specifically	ADV
fsr-3296	422	28	focusing	focus	VERB
fsr-3296	422	29	on	on	ADP
fsr-3296	422	30	effects	effect	NOUN
fsr-3296	422	31	of	of	ADP
fsr-3296	422	32	the	the	DET
fsr-3296	422	33	need	need	NOUN
fsr-3296	422	34	for	for	ADP
fsr-3296	422	35	material	material	ADJ
fsr-3296	422	36	resources	resource	NOUN
fsr-3296	422	37	and	and	CCONJ
fsr-3296	422	38	the	the	DET
fsr-3296	422	39	need	need	NOUN
fsr-3296	422	40	for	for	ADP
fsr-3296	422	41	arousal	arousal	ADJ
fsr-3296	422	42	traits	trait	NOUN
fsr-3296	422	43	.	.	PUNCT
fsr-3296	423	1	overall	overall	ADV
fsr-3296	423	2	,	,	PUNCT
fsr-3296	423	3	our	our	PRON
fsr-3296	423	4	results	result	NOUN
fsr-3296	423	5	support	support	VERB
fsr-3296	423	6	the	the	DET
fsr-3296	423	7	main	main	ADJ
fsr-3296	423	8	argument	argument	NOUN
fsr-3296	423	9	that	that	SCONJ
fsr-3296	423	10	borrowing	borrowing	NOUN
fsr-3296	423	11	options	option	NOUN
fsr-3296	423	12	are	be	AUX
fsr-3296	423	13	not	not	PART
fsr-3296	423	14	homogenous	homogenous	ADJ
fsr-3296	423	15	and	and	CCONJ
fsr-3296	423	16	they	they	PRON
fsr-3296	423	17	vary	vary	VERB
fsr-3296	423	18	across	across	ADP
fsr-3296	423	19	personalities	personality	NOUN
fsr-3296	423	20	.	.	PUNCT
fsr-3296	424	1	3.4	3.4	NUM
fsr-3296	424	2	.	.	PUNCT
fsr-3296	425	1	interaction	interaction	NOUN
fsr-3296	425	2	plots	plot	NOUN
fsr-3296	425	3	interaction	interaction	NOUN
fsr-3296	425	4	plots	plot	NOUN
fsr-3296	425	5	are	be	AUX
fsr-3296	425	6	widely	widely	ADV
fsr-3296	425	7	used	use	VERB
fsr-3296	425	8	in	in	ADP
fsr-3296	425	9	the	the	DET
fsr-3296	425	10	literature	literature	NOUN
fsr-3296	425	11	to	to	PART
fsr-3296	425	12	display	display	VERB
fsr-3296	425	13	interaction	interaction	NOUN
fsr-3296	425	14	effects	effect	NOUN
fsr-3296	425	15	.	.	PUNCT
fsr-3296	426	1	an	an	DET
fsr-3296	426	2	interaction	interaction	NOUN
fsr-3296	426	3	effect	effect	NOUN
fsr-3296	426	4	is	be	AUX
fsr-3296	426	5	witnessed	witness	VERB
fsr-3296	426	6	when	when	SCONJ
fsr-3296	426	7	the	the	DET
fsr-3296	426	8	joint	joint	ADJ
fsr-3296	426	9	effects	effect	NOUN
fsr-3296	426	10	of	of	ADP
fsr-3296	426	11	two	two	NUM
fsr-3296	426	12	variables	variable	NOUN
fsr-3296	426	13	is	be	AUX
fsr-3296	426	14	the	the	DET
fsr-3296	426	15	focus	focus	NOUN
fsr-3296	426	16	of	of	ADP
fsr-3296	426	17	attention	attention	NOUN
fsr-3296	426	18	so	so	SCONJ
fsr-3296	426	19	that	that	SCONJ
fsr-3296	426	20	the	the	DET
fsr-3296	426	21	outcome	outcome	NOUN
fsr-3296	426	22	variable	variable	NOUN
fsr-3296	426	23	would	would	AUX
fsr-3296	426	24	show	show	VERB
fsr-3296	426	25	significant	significant	ADJ
fsr-3296	426	26	differences	difference	NOUN
fsr-3296	426	27	for	for	ADP
fsr-3296	426	28	different	different	ADJ
fsr-3296	426	29	levels	level	NOUN
fsr-3296	426	30	of	of	ADP
fsr-3296	426	31	the	the	DET
fsr-3296	426	32	independent	independent	ADJ
fsr-3296	426	33	variable	variable	NOUN
fsr-3296	426	34	at	at	ADP
fsr-3296	426	35	different	different	ADJ
fsr-3296	426	36	levels	level	NOUN
fsr-3296	426	37	of	of	ADP
fsr-3296	426	38	the	the	DET
fsr-3296	426	39	moderator	moderator	NOUN
fsr-3296	426	40	variable	variable	NOUN
fsr-3296	426	41	(	(	PUNCT
fsr-3296	426	42	hair	hair	NOUN
fsr-3296	426	43	et	et	PROPN
fsr-3296	426	44	al	al	PROPN
fsr-3296	426	45	.	.	PROPN
fsr-3296	426	46	,	,	PUNCT
fsr-3296	426	47	2006	2006	NUM
fsr-3296	426	48	)	)	PUNCT
fsr-3296	426	49	.	.	PUNCT
fsr-3296	427	1	in	in	ADP
fsr-3296	427	2	the	the	DET
fsr-3296	427	3	context	context	NOUN
fsr-3296	427	4	of	of	ADP
fsr-3296	427	5	this	this	DET
fsr-3296	427	6	article	article	NOUN
fsr-3296	427	7	,	,	PUNCT
fsr-3296	427	8	we	we	PRON
fsr-3296	427	9	are	be	AUX
fsr-3296	427	10	interested	interested	ADJ
fsr-3296	427	11	in	in	ADP
fsr-3296	427	12	finding	find	VERB
fsr-3296	427	13	how	how	SCONJ
fsr-3296	427	14	a	a	DET
fsr-3296	427	15	certain	certain	ADJ
fsr-3296	427	16	personality	personality	NOUN
fsr-3296	427	17	trait	trait	NOUN
fsr-3296	427	18	affects	affect	VERB
fsr-3296	427	19	the	the	DET
fsr-3296	427	20	relationship	relationship	NOUN
fsr-3296	427	21	between	between	ADP
fsr-3296	427	22	the	the	DET
fsr-3296	427	23	attitude	attitude	NOUN
fsr-3296	427	24	towards	towards	ADP
fsr-3296	427	25	borrowing	borrowing	NOUN
fsr-3296	427	26	and	and	CCONJ
fsr-3296	427	27	the	the	DET
fsr-3296	427	28	intention	intention	NOUN
fsr-3296	427	29	to	to	PART
fsr-3296	427	30	borrow	borrow	VERB
fsr-3296	427	31	.	.	PUNCT
fsr-3296	428	1	while	while	SCONJ
fsr-3296	428	2	the	the	DET
fsr-3296	428	3	connection	connection	NOUN
fsr-3296	428	4	between	between	ADP
fsr-3296	428	5	the	the	DET
fsr-3296	428	6	attitude	attitude	NOUN
fsr-3296	428	7	towards	towards	ADP
fsr-3296	428	8	borrowing	borrowing	NOUN
fsr-3296	428	9	and	and	CCONJ
fsr-3296	428	10	the	the	DET
fsr-3296	428	11	intention	intention	NOUN
fsr-3296	428	12	to	to	PART
fsr-3296	428	13	borrow	borrow	VERB
fsr-3296	428	14	is	be	AUX
fsr-3296	428	15	intuitive	intuitive	ADJ
fsr-3296	428	16	,	,	PUNCT
fsr-3296	428	17	hypotheses	hypothese	VERB
fsr-3296	428	18	hypothesis	hypothesis	NOUN
fsr-3296	428	19	3a	3a	NUM
fsr-3296	428	20	and	and	CCONJ
fsr-3296	428	21	hypothesis	hypothesis	NOUN
fsr-3296	428	22	3b	3b	NOUN
fsr-3296	428	23	postulate	postulate	NOUN
fsr-3296	428	24	that	that	SCONJ
fsr-3296	428	25	the	the	DET
fsr-3296	428	26	strength	strength	NOUN
fsr-3296	428	27	of	of	ADP
fsr-3296	428	28	this	this	DET
fsr-3296	428	29	connection	connection	NOUN
fsr-3296	428	30	is	be	AUX
fsr-3296	428	31	a	a	DET
fsr-3296	428	32	function	function	NOUN
fsr-3296	428	33	of	of	ADP
fsr-3296	428	34	the	the	DET
fsr-3296	428	35	borrower	borrower	NOUN
fsr-3296	428	36	’s	’s	PART
fsr-3296	428	37	personality	personality	NOUN
fsr-3296	428	38	.	.	PUNCT
fsr-3296	429	1	specifically	specifically	ADV
fsr-3296	429	2	,	,	PUNCT
fsr-3296	429	3	the	the	DET
fsr-3296	429	4	two	two	NUM
fsr-3296	429	5	hypotheses	hypothesis	NOUN
fsr-3296	429	6	suggest	suggest	VERB
fsr-3296	429	7	that	that	SCONJ
fsr-3296	429	8	the	the	DET
fsr-3296	429	9	impact	impact	NOUN
fsr-3296	429	10	of	of	ADP
fsr-3296	429	11	attitude	attitude	NOUN
fsr-3296	429	12	toward	toward	ADP
fsr-3296	429	13	borrowing	borrowing	NOUN
fsr-3296	429	14	on	on	ADP
fsr-3296	429	15	intention	intention	NOUN
fsr-3296	429	16	to	to	PART
fsr-3296	429	17	borrow	borrow	VERB
fsr-3296	429	18	is	be	AUX
fsr-3296	429	19	intensified	intensify	VERB
fsr-3296	429	20	for	for	ADP
fsr-3296	429	21	individuals	individual	NOUN
fsr-3296	429	22	with	with	ADP
fsr-3296	429	23	greater	great	ADJ
fsr-3296	429	24	need	need	NOUN
fsr-3296	429	25	for	for	ADP
fsr-3296	429	26	material	material	ADJ
fsr-3296	429	27	resources	resource	NOUN
fsr-3296	429	28	(	(	PUNCT
fsr-3296	429	29	h3a	h3a	NOUN
fsr-3296	429	30	)	)	PUNCT
fsr-3296	429	31	and/or	and/or	CCONJ
fsr-3296	429	32	greater	great	ADJ
fsr-3296	429	33	need	need	NOUN
fsr-3296	429	34	for	for	ADP
fsr-3296	429	35	arousal	arousal	NOUN
fsr-3296	429	36	(	(	PUNCT
fsr-3296	429	37	h3b	h3b	PROPN
fsr-3296	429	38	)	)	PUNCT
fsr-3296	429	39	.	.	PUNCT
fsr-3296	430	1	to	to	PART
fsr-3296	430	2	test	test	VERB
fsr-3296	430	3	these	these	DET
fsr-3296	430	4	hypotheses	hypothesis	NOUN
fsr-3296	430	5	,	,	PUNCT
fsr-3296	430	6	we	we	PRON
fsr-3296	430	7	use	use	VERB
fsr-3296	430	8	the	the	DET
fsr-3296	430	9	mode	mode	NOUN
fsr-3296	430	10	probe	probe	NOUN
fsr-3296	430	11	analysis	analysis	NOUN
fsr-3296	430	12	approach	approach	NOUN
fsr-3296	430	13	using	use	VERB
fsr-3296	430	14	process	process	NOUN
fsr-3296	430	15	model	model	NOUN
fsr-3296	430	16	1	1	NUM
fsr-3296	430	17	(	(	PUNCT
fsr-3296	430	18	hayes	hayes	PROPN
fsr-3296	430	19	,	,	PUNCT
fsr-3296	430	20	2012	2012	NUM
fsr-3296	430	21	)	)	PUNCT
fsr-3296	430	22	where	where	SCONJ
fsr-3296	430	23	personality	personality	NOUN
fsr-3296	430	24	trait	trait	NOUN
fsr-3296	430	25	is	be	AUX
fsr-3296	430	26	the	the	DET
fsr-3296	430	27	moderator	moderator	NOUN
fsr-3296	430	28	,	,	PUNCT
fsr-3296	430	29	the	the	DET
fsr-3296	430	30	attitude	attitude	NOUN
fsr-3296	430	31	toward	toward	ADP
fsr-3296	430	32	borrowing	borrowing	NOUN
fsr-3296	430	33	is	be	AUX
fsr-3296	430	34	the	the	DET
fsr-3296	430	35	independent	independent	ADJ
fsr-3296	430	36	variable	variable	NOUN
fsr-3296	430	37	and	and	CCONJ
fsr-3296	430	38	the	the	DET
fsr-3296	430	39	borrowing	borrowing	NOUN
fsr-3296	430	40	intention	intention	NOUN
fsr-3296	430	41	is	be	AUX
fsr-3296	430	42	the	the	DET
fsr-3296	430	43	dependent	dependent	ADJ
fsr-3296	430	44	variable	variable	NOUN
fsr-3296	430	45	.	.	PUNCT
fsr-3296	431	1	figure	figure	NOUN
fsr-3296	431	2	1	1	NUM
fsr-3296	431	3	69a	69a	NOUN
fsr-3296	431	4	.	.	PUNCT
fsr-3296	432	1	yazdanparast	yazdanparast	NOUN
fsr-3296	432	2	,	,	PUNCT
fsr-3296	432	3	y.	y.	PROPN
fsr-3296	432	4	alhenawi	alhenawi	PROPN
fsr-3296	432	5	/	/	SYM
fsr-3296	432	6	financial	financial	ADJ
fsr-3296	432	7	services	service	NOUN
fsr-3296	432	8	review	review	VERB
fsr-3296	432	9	26	26	NUM
fsr-3296	432	10	(	(	PUNCT
fsr-3296	432	11	2017	2017	NUM
fsr-3296	432	12	)	)	PUNCT
fsr-3296	433	1	55–85	55–85	NUM
fsr-3296	433	2	figure	figure	NOUN
fsr-3296	433	3	1	1	NUM
fsr-3296	433	4	interaction	interaction	NOUN
fsr-3296	433	5	plots	plot	NOUN
fsr-3296	433	6	–	–	PUNCT
fsr-3296	433	7	the	the	DET
fsr-3296	433	8	need	need	NOUN
fsr-3296	433	9	for	for	ADP
fsr-3296	433	10	material	material	ADJ
fsr-3296	433	11	resources	resource	NOUN
fsr-3296	433	12	70	70	NUM
fsr-3296	433	13	a.	a.	NOUN
fsr-3296	433	14	yazdanparast	yazdanparast	NOUN
fsr-3296	433	15	,	,	PUNCT
fsr-3296	433	16	y.	y.	PROPN
fsr-3296	433	17	alhenawi	alhenawi	PROPN
fsr-3296	433	18	/	/	SYM
fsr-3296	433	19	financial	financial	ADJ
fsr-3296	433	20	services	service	NOUN
fsr-3296	433	21	review	review	VERB
fsr-3296	433	22	26	26	NUM
fsr-3296	433	23	(	(	PUNCT
fsr-3296	433	24	2017	2017	NUM
fsr-3296	433	25	)	)	PUNCT
fsr-3296	433	26	55–85	55–85	NUM
fsr-3296	433	27	is	be	AUX
fsr-3296	433	28	devoted	devote	VERB
fsr-3296	433	29	for	for	ADP
fsr-3296	433	30	the	the	DET
fsr-3296	433	31	need	need	NOUN
fsr-3296	433	32	for	for	ADP
fsr-3296	433	33	material	material	ADJ
fsr-3296	433	34	resources	resource	NOUN
fsr-3296	433	35	trait	trait	NOUN
fsr-3296	433	36	and	and	CCONJ
fsr-3296	433	37	figure	figure	NOUN
fsr-3296	433	38	2	2	NUM
fsr-3296	433	39	is	be	AUX
fsr-3296	433	40	devoted	devote	VERB
fsr-3296	433	41	for	for	ADP
fsr-3296	433	42	the	the	DET
fsr-3296	433	43	need	need	NOUN
fsr-3296	433	44	for	for	ADP
fsr-3296	433	45	arousal	arousal	ADJ
fsr-3296	433	46	trait	trait	NOUN
fsr-3296	433	47	.	.	PUNCT
fsr-3296	434	1	the	the	DET
fsr-3296	434	2	top	top	ADJ
fsr-3296	434	3	two	two	NUM
fsr-3296	434	4	charts	chart	NOUN
fsr-3296	434	5	in	in	ADP
fsr-3296	434	6	figure	figure	NOUN
fsr-3296	434	7	1	1	NUM
fsr-3296	434	8	indicate	indicate	VERB
fsr-3296	434	9	that	that	SCONJ
fsr-3296	434	10	the	the	DET
fsr-3296	434	11	need	need	NOUN
fsr-3296	434	12	for	for	ADP
fsr-3296	434	13	material	material	ADJ
fsr-3296	434	14	resources	resource	NOUN
fsr-3296	434	15	trait	trait	NOUN
fsr-3296	434	16	significantly	significantly	ADV
fsr-3296	434	17	moderates	moderate	VERB
fsr-3296	434	18	the	the	DET
fsr-3296	434	19	relationship	relationship	NOUN
fsr-3296	434	20	between	between	ADP
fsr-3296	434	21	attitude	attitude	NOUN
fsr-3296	434	22	towards	towards	ADP
fsr-3296	434	23	borrowing	borrowing	NOUN
fsr-3296	434	24	and	and	CCONJ
fsr-3296	434	25	the	the	DET
fsr-3296	434	26	intention	intention	NOUN
fsr-3296	434	27	on	on	ADP
fsr-3296	434	28	to	to	PART
fsr-3296	434	29	borrow	borrow	VERB
fsr-3296	434	30	.	.	PUNCT
fsr-3296	435	1	in	in	ADP
fsr-3296	435	2	other	other	ADJ
fsr-3296	435	3	words	word	NOUN
fsr-3296	435	4	,	,	PUNCT
fsr-3296	435	5	the	the	DET
fsr-3296	435	6	relationship	relationship	NOUN
fsr-3296	435	7	between	between	ADP
fsr-3296	435	8	attitude	attitude	NOUN
fsr-3296	435	9	towards	towards	ADP
fsr-3296	435	10	borrowing	borrowing	NOUN
fsr-3296	435	11	and	and	CCONJ
fsr-3296	435	12	the	the	DET
fsr-3296	435	13	intention	intention	NOUN
fsr-3296	435	14	to	to	PART
fsr-3296	435	15	apply	apply	VERB
fsr-3296	435	16	for	for	ADP
fsr-3296	435	17	mortgages	mortgage	NOUN
fsr-3296	435	18	and	and	CCONJ
fsr-3296	435	19	home	home	NOUN
fsr-3296	435	20	improvement	improvement	NOUN
fsr-3296	435	21	loans	loan	NOUN
fsr-3296	435	22	shows	show	VERB
fsr-3296	435	23	significantly	significantly	ADV
fsr-3296	435	24	different	different	ADJ
fsr-3296	435	25	patterns	pattern	NOUN
fsr-3296	435	26	at	at	ADP
fsr-3296	435	27	different	different	ADJ
fsr-3296	435	28	levels	level	NOUN
fsr-3296	435	29	of	of	ADP
fsr-3296	435	30	this	this	DET
fsr-3296	435	31	personality	personality	NOUN
fsr-3296	435	32	trait	trait	NOUN
fsr-3296	435	33	.	.	PUNCT
fsr-3296	436	1	the	the	DET
fsr-3296	436	2	results	result	NOUN
fsr-3296	436	3	in	in	ADP
fsr-3296	436	4	panel	panel	NOUN
fsr-3296	436	5	a	a	PRON
fsr-3296	436	6	indicate	indicate	VERB
fsr-3296	436	7	that	that	SCONJ
fsr-3296	436	8	at	at	ADP
fsr-3296	436	9	lower	low	ADJ
fsr-3296	436	10	levels	level	NOUN
fsr-3296	436	11	of	of	ADP
fsr-3296	436	12	the	the	DET
fsr-3296	436	13	need	need	NOUN
fsr-3296	436	14	for	for	ADP
fsr-3296	436	15	material	material	ADJ
fsr-3296	436	16	resources	resource	NOUN
fsr-3296	436	17	(	(	PUNCT
fsr-3296	436	18	i.e.	i.e.	X
fsr-3296	436	19	,	,	PUNCT
fsr-3296	436	20	for	for	ADP
fsr-3296	436	21	those	those	DET
fsr-3296	436	22	individuals	individual	NOUN
fsr-3296	436	23	who	who	PRON
fsr-3296	436	24	do	do	AUX
fsr-3296	436	25	not	not	PART
fsr-3296	436	26	score	score	VERB
fsr-3296	436	27	high	high	ADV
fsr-3296	436	28	on	on	ADP
fsr-3296	436	29	this	this	DET
fsr-3296	436	30	trait	trait	NOUN
fsr-3296	436	31	as	as	SCONJ
fsr-3296	436	32	indicated	indicate	VERB
fsr-3296	436	33	by	by	ADP
fsr-3296	436	34	one	one	NUM
fsr-3296	436	35	standard	standard	ADJ
fsr-3296	436	36	deviation	deviation	NOUN
fsr-3296	436	37	below	below	ADP
fsr-3296	436	38	the	the	DET
fsr-3296	436	39	mean	mean	NOUN
fsr-3296	436	40	in	in	ADP
fsr-3296	436	41	our	our	PRON
fsr-3296	436	42	analyses	analysis	NOUN
fsr-3296	436	43	)	)	PUNCT
fsr-3296	436	44	,	,	PUNCT
fsr-3296	436	45	high	high	ADJ
fsr-3296	436	46	or	or	CCONJ
fsr-3296	436	47	low	low	ADJ
fsr-3296	436	48	levels	level	NOUN
fsr-3296	436	49	of	of	ADP
fsr-3296	436	50	attitudes	attitude	NOUN
fsr-3296	436	51	toward	toward	ADP
fsr-3296	436	52	borrowing	borrowing	NOUN
fsr-3296	436	53	(	(	PUNCT
fsr-3296	436	54	i.e.	i.e.	X
fsr-3296	436	55	,	,	PUNCT
fsr-3296	436	56	more	more	ADJ
fsr-3296	436	57	or	or	CCONJ
fsr-3296	436	58	less	less	ADV
fsr-3296	436	59	favorable	favorable	ADJ
fsr-3296	436	60	attitudes	attitude	NOUN
fsr-3296	436	61	toward	toward	ADP
fsr-3296	436	62	borrowing	borrowing	NOUN
fsr-3296	436	63	)	)	PUNCT
fsr-3296	436	64	do	do	AUX
fsr-3296	436	65	not	not	PART
fsr-3296	436	66	significantly	significantly	ADV
fsr-3296	436	67	impact	impact	VERB
fsr-3296	436	68	intentions	intention	NOUN
fsr-3296	436	69	to	to	PART
fsr-3296	436	70	apply	apply	VERB
fsr-3296	436	71	for	for	ADP
fsr-3296	436	72	a	a	DET
fsr-3296	436	73	mortgage	mortgage	NOUN
fsr-3296	436	74	.	.	PUNCT
fsr-3296	437	1	the	the	DET
fsr-3296	437	2	average	average	ADJ
fsr-3296	437	3	score	score	NOUN
fsr-3296	437	4	on	on	ADP
fsr-3296	437	5	the	the	DET
fsr-3296	437	6	intention	intention	NOUN
fsr-3296	437	7	to	to	PART
fsr-3296	437	8	open	open	VERB
fsr-3296	437	9	a	a	DET
fsr-3296	437	10	new	new	ADJ
fsr-3296	437	11	mortgage	mortgage	NOUN
fsr-3296	437	12	account	account	NOUN
fsr-3296	437	13	for	for	ADP
fsr-3296	437	14	those	those	PRON
fsr-3296	437	15	who	who	PRON
fsr-3296	437	16	have	have	VERB
fsr-3296	437	17	a	a	DET
fsr-3296	437	18	more	more	ADV
fsr-3296	437	19	favorable	favorable	ADJ
fsr-3296	437	20	attitude	attitude	NOUN
fsr-3296	437	21	towards	towards	ADP
fsr-3296	437	22	borrowing	borrowing	NOUN
fsr-3296	437	23	is	be	AUX
fsr-3296	437	24	1.87	1.87	NUM
fsr-3296	437	25	.	.	PUNCT
fsr-3296	438	1	the	the	DET
fsr-3296	438	2	corresponding	corresponding	ADJ
fsr-3296	438	3	average	average	ADJ
fsr-3296	438	4	score	score	NOUN
fsr-3296	438	5	for	for	ADP
fsr-3296	438	6	those	those	PRON
fsr-3296	438	7	who	who	PRON
fsr-3296	438	8	have	have	VERB
fsr-3296	438	9	a	a	DET
fsr-3296	438	10	less	less	ADV
fsr-3296	438	11	favorable	favorable	ADJ
fsr-3296	438	12	attitude	attitude	NOUN
fsr-3296	438	13	towards	towards	ADP
fsr-3296	438	14	borrowing	borrowing	NOUN
fsr-3296	438	15	is	be	AUX
fsr-3296	438	16	1.80	1.80	NUM
fsr-3296	438	17	.	.	PUNCT
fsr-3296	439	1	the	the	DET
fsr-3296	439	2	difference	difference	NOUN
fsr-3296	439	3	,	,	PUNCT
fsr-3296	439	4	0.07	0.07	NUM
fsr-3296	439	5	,	,	PUNCT
fsr-3296	439	6	is	be	AUX
fsr-3296	439	7	trivial	trivial	ADJ
fsr-3296	439	8	and	and	CCONJ
fsr-3296	439	9	is	be	AUX
fsr-3296	439	10	not	not	PART
fsr-3296	439	11	figure	figure	NOUN
fsr-3296	439	12	1	1	NUM
fsr-3296	439	13	(	(	PUNCT
fsr-3296	439	14	continued	continued	ADJ
fsr-3296	439	15	)	)	PUNCT
fsr-3296	439	16	notes	note	VERB
fsr-3296	439	17	:	:	PUNCT
fsr-3296	439	18	the	the	DET
fsr-3296	439	19	figure	figure	NOUN
fsr-3296	439	20	shows	show	VERB
fsr-3296	439	21	the	the	DET
fsr-3296	439	22	results	result	NOUN
fsr-3296	439	23	of	of	ADP
fsr-3296	439	24	running	run	VERB
fsr-3296	439	25	interaction	interaction	NOUN
fsr-3296	439	26	plots	plot	NOUN
fsr-3296	439	27	to	to	PART
fsr-3296	439	28	discern	discern	VERB
fsr-3296	439	29	how	how	SCONJ
fsr-3296	439	30	the	the	DET
fsr-3296	439	31	need	need	NOUN
fsr-3296	439	32	for	for	ADP
fsr-3296	439	33	material	material	ADJ
fsr-3296	439	34	resources	resource	NOUN
fsr-3296	439	35	trait	trait	NOUN
fsr-3296	439	36	moderates	moderate	VERB
fsr-3296	439	37	the	the	DET
fsr-3296	439	38	relationship	relationship	NOUN
fsr-3296	439	39	between	between	ADP
fsr-3296	439	40	the	the	DET
fsr-3296	439	41	attitude	attitude	NOUN
fsr-3296	439	42	towards	towards	ADP
fsr-3296	439	43	borrowing	borrowing	NOUN
fsr-3296	439	44	and	and	CCONJ
fsr-3296	439	45	the	the	DET
fsr-3296	439	46	intentions	intention	NOUN
fsr-3296	439	47	to	to	PART
fsr-3296	439	48	borrow	borrow	VERB
fsr-3296	439	49	.	.	PUNCT
fsr-3296	440	1	to	to	PART
fsr-3296	440	2	run	run	VERB
fsr-3296	440	3	the	the	DET
fsr-3296	440	4	test	test	NOUN
fsr-3296	440	5	,	,	PUNCT
fsr-3296	440	6	we	we	PRON
fsr-3296	440	7	classify	classify	VERB
fsr-3296	440	8	participants	participant	NOUN
fsr-3296	440	9	into	into	ADP
fsr-3296	440	10	two	two	NUM
fsr-3296	440	11	classes	class	NOUN
fsr-3296	440	12	using	use	VERB
fsr-3296	440	13	the	the	DET
fsr-3296	440	14	mean	mean	NOUN
fsr-3296	440	15	of	of	ADP
fsr-3296	440	16	scores	score	NOUN
fsr-3296	440	17	and	and	CCONJ
fsr-3296	440	18	the	the	DET
fsr-3296	440	19	standard	standard	ADJ
fsr-3296	440	20	deviation	deviation	NOUN
fsr-3296	440	21	of	of	ADP
fsr-3296	440	22	the	the	DET
fsr-3296	440	23	scores	score	NOUN
fsr-3296	440	24	on	on	ADP
fsr-3296	440	25	the	the	DET
fsr-3296	440	26	need	need	NOUN
fsr-3296	440	27	for	for	ADP
fsr-3296	440	28	material	material	NOUN
fsr-3296	440	29	resources	resource	NOUN
fsr-3296	440	30	test	test	NOUN
fsr-3296	440	31	.	.	PUNCT
fsr-3296	441	1	specifically	specifically	ADV
fsr-3296	441	2	,	,	PUNCT
fsr-3296	441	3	respondents	respondent	NOUN
fsr-3296	441	4	with	with	ADP
fsr-3296	441	5	a	a	DET
fsr-3296	441	6	need	need	NOUN
fsr-3296	441	7	for	for	ADP
fsr-3296	441	8	material	material	ADJ
fsr-3296	441	9	resources	resource	NOUN
fsr-3296	441	10	scores	score	NOUN
fsr-3296	441	11	higher	high	ADJ
fsr-3296	441	12	(	(	PUNCT
fsr-3296	441	13	lower	low	ADJ
fsr-3296	441	14	)	)	PUNCT
fsr-3296	441	15	than	than	ADP
fsr-3296	441	16	one	one	NUM
fsr-3296	441	17	standard	standard	ADJ
fsr-3296	441	18	deviation	deviation	NOUN
fsr-3296	441	19	above	above	ADP
fsr-3296	441	20	(	(	PUNCT
fsr-3296	441	21	below	below	ADV
fsr-3296	441	22	)	)	PUNCT
fsr-3296	441	23	the	the	DET
fsr-3296	441	24	mean	mean	NOUN
fsr-3296	441	25	are	be	AUX
fsr-3296	441	26	classified	classify	VERB
fsr-3296	441	27	as	as	ADP
fsr-3296	441	28	individuals	individual	NOUN
fsr-3296	441	29	with	with	ADP
fsr-3296	441	30	greater	great	ADJ
fsr-3296	441	31	(	(	PUNCT
fsr-3296	441	32	lesser	lesser	NOUN
fsr-3296	441	33	)	)	PUNCT
fsr-3296	441	34	need	need	NOUN
fsr-3296	441	35	for	for	ADP
fsr-3296	441	36	material	material	ADJ
fsr-3296	441	37	resources	resource	NOUN
fsr-3296	441	38	.	.	PUNCT
fsr-3296	442	1	analogically	analogically	ADV
fsr-3296	442	2	,	,	PUNCT
fsr-3296	442	3	respondents	respondent	NOUN
fsr-3296	442	4	with	with	ADP
fsr-3296	442	5	an	an	DET
fsr-3296	442	6	attitude	attitude	NOUN
fsr-3296	442	7	towards	towards	ADP
fsr-3296	442	8	borrowing	borrowing	NOUN
fsr-3296	442	9	scores	score	NOUN
fsr-3296	442	10	higher	higher	ADV
fsr-3296	442	11	(	(	PUNCT
fsr-3296	442	12	lower	low	ADJ
fsr-3296	442	13	)	)	PUNCT
fsr-3296	442	14	than	than	ADP
fsr-3296	442	15	one	one	NUM
fsr-3296	442	16	standard	standard	ADJ
fsr-3296	442	17	deviation	deviation	NOUN
fsr-3296	442	18	above	above	ADP
fsr-3296	442	19	(	(	PUNCT
fsr-3296	442	20	below	below	ADV
fsr-3296	442	21	)	)	PUNCT
fsr-3296	442	22	the	the	DET
fsr-3296	442	23	mean	mean	NOUN
fsr-3296	442	24	are	be	AUX
fsr-3296	442	25	classified	classify	VERB
fsr-3296	442	26	as	as	ADP
fsr-3296	442	27	individuals	individual	NOUN
fsr-3296	442	28	with	with	ADP
fsr-3296	442	29	more	more	ADJ
fsr-3296	442	30	(	(	PUNCT
fsr-3296	442	31	less	less	ADJ
fsr-3296	442	32	)	)	PUNCT
fsr-3296	442	33	favorable	favorable	ADJ
fsr-3296	442	34	attitude	attitude	NOUN
fsr-3296	442	35	towards	towards	ADP
fsr-3296	442	36	borrowing	borrowing	NOUN
fsr-3296	442	37	.	.	PUNCT
fsr-3296	443	1	we	we	PRON
fsr-3296	443	2	run	run	VERB
fsr-3296	443	3	the	the	DET
fsr-3296	443	4	model	model	NOUN
fsr-3296	443	5	with	with	ADP
fsr-3296	443	6	all	all	DET
fsr-3296	443	7	eight	eight	NUM
fsr-3296	443	8	borrowing	borrowing	NOUN
fsr-3296	443	9	options	option	NOUN
fsr-3296	443	10	but	but	CCONJ
fsr-3296	443	11	we	we	PRON
fsr-3296	443	12	report	report	VERB
fsr-3296	443	13	only	only	ADV
fsr-3296	443	14	the	the	DET
fsr-3296	443	15	findings	finding	NOUN
fsr-3296	443	16	with	with	ADP
fsr-3296	443	17	significant	significant	ADJ
fsr-3296	443	18	interaction	interaction	NOUN
fsr-3296	443	19	effects	effect	NOUN
fsr-3296	443	20	.	.	PUNCT
fsr-3296	444	1	under	under	ADP
fsr-3296	444	2	each	each	DET
fsr-3296	444	3	chart	chart	NOUN
fsr-3296	444	4	,	,	PUNCT
fsr-3296	444	5	we	we	PRON
fsr-3296	444	6	report	report	VERB
fsr-3296	444	7	the	the	DET
fsr-3296	444	8	averages	average	NOUN
fsr-3296	444	9	scores	score	NOUN
fsr-3296	444	10	on	on	ADP
fsr-3296	444	11	the	the	DET
fsr-3296	444	12	corresponding	correspond	VERB
fsr-3296	444	13	intention	intention	NOUN
fsr-3296	444	14	to	to	PART
fsr-3296	444	15	borrow	borrow	VERB
fsr-3296	444	16	.	.	PUNCT
fsr-3296	445	1	we	we	PRON
fsr-3296	445	2	also	also	ADV
fsr-3296	445	3	report	report	VERB
fsr-3296	445	4	the	the	DET
fsr-3296	445	5	difference	difference	NOUN
fsr-3296	445	6	and	and	CCONJ
fsr-3296	445	7	statistical	statistical	ADJ
fsr-3296	445	8	significance	significance	NOUN
fsr-3296	445	9	(	(	PUNCT
fsr-3296	445	10	p	p	NOUN
fsr-3296	445	11	-	-	PUNCT
fsr-3296	445	12	value	value	NOUN
fsr-3296	445	13	)	)	PUNCT
fsr-3296	445	14	for	for	ADP
fsr-3296	445	15	the	the	DET
fsr-3296	445	16	difference	difference	NOUN
fsr-3296	445	17	in	in	ADP
fsr-3296	445	18	average	average	ADJ
fsr-3296	445	19	scores	score	NOUN
fsr-3296	445	20	between	between	ADP
fsr-3296	445	21	the	the	DET
fsr-3296	445	22	more	more	ADV
fsr-3296	445	23	favorable	favorable	ADJ
fsr-3296	445	24	attitude	attitude	NOUN
fsr-3296	445	25	and	and	CCONJ
fsr-3296	445	26	the	the	DET
fsr-3296	445	27	less	less	ADV
fsr-3296	445	28	favorable	favorable	ADJ
fsr-3296	445	29	attitude	attitude	NOUN
fsr-3296	445	30	subgroups	subgroup	NOUN
fsr-3296	445	31	.	.	PUNCT
fsr-3296	446	1	asterisks	asterisk	NOUN
fsr-3296	446	2	denote	denote	VERB
fsr-3296	446	3	statistical	statistical	ADJ
fsr-3296	446	4	significance	significance	NOUN
fsr-3296	446	5	at	at	ADP
fsr-3296	446	6	the	the	DET
fsr-3296	446	7	1	1	NUM
fsr-3296	446	8	%	%	NOUN
fsr-3296	446	9	(	(	PUNCT
fsr-3296	446	10	*	*	PUNCT
fsr-3296	446	11	*	*	PUNCT
fsr-3296	446	12	*	*	PUNCT
fsr-3296	446	13	)	)	PUNCT
fsr-3296	446	14	,	,	PUNCT
fsr-3296	446	15	5	5	NUM
fsr-3296	446	16	%	%	NOUN
fsr-3296	446	17	(	(	PUNCT
fsr-3296	446	18	*	*	NOUN
fsr-3296	446	19	*	*	PUNCT
fsr-3296	446	20	)	)	PUNCT
fsr-3296	446	21	,	,	PUNCT
fsr-3296	446	22	or	or	CCONJ
fsr-3296	446	23	10	10	NUM
fsr-3296	446	24	%	%	NOUN
fsr-3296	446	25	(	(	PUNCT
fsr-3296	446	26	*	*	NOUN
fsr-3296	446	27	)	)	PUNCT
fsr-3296	446	28	level	level	NOUN
fsr-3296	446	29	.	.	PUNCT
fsr-3296	447	1	71a	71a	NOUN
fsr-3296	447	2	.	.	PUNCT
fsr-3296	448	1	yazdanparast	yazdanparast	NOUN
fsr-3296	448	2	,	,	PUNCT
fsr-3296	448	3	y.	y.	PROPN
fsr-3296	448	4	alhenawi	alhenawi	PROPN
fsr-3296	448	5	/	/	SYM
fsr-3296	448	6	financial	financial	ADJ
fsr-3296	448	7	services	service	NOUN
fsr-3296	448	8	review	review	VERB
fsr-3296	448	9	26	26	NUM
fsr-3296	448	10	(	(	PUNCT
fsr-3296	448	11	2017	2017	NUM
fsr-3296	448	12	)	)	PUNCT
fsr-3296	449	1	55–85	55–85	NUM
fsr-3296	449	2	figure	figure	NOUN
fsr-3296	449	3	2	2	NUM
fsr-3296	449	4	interaction	interaction	NOUN
fsr-3296	449	5	plots	plot	NOUN
fsr-3296	449	6	–	–	PUNCT
fsr-3296	449	7	the	the	DET
fsr-3296	449	8	need	need	NOUN
fsr-3296	449	9	for	for	ADP
fsr-3296	449	10	arousal	arousal	NOUN
fsr-3296	449	11	72	72	NUM
fsr-3296	449	12	a.	a.	NOUN
fsr-3296	449	13	yazdanparast	yazdanparast	NOUN
fsr-3296	449	14	,	,	PUNCT
fsr-3296	449	15	y.	y.	PROPN
fsr-3296	449	16	alhenawi	alhenawi	PROPN
fsr-3296	449	17	/	/	SYM
fsr-3296	449	18	financial	financial	ADJ
fsr-3296	449	19	services	service	NOUN
fsr-3296	449	20	review	review	VERB
fsr-3296	449	21	26	26	NUM
fsr-3296	449	22	(	(	PUNCT
fsr-3296	449	23	2017	2017	NUM
fsr-3296	449	24	)	)	PUNCT
fsr-3296	449	25	55–85	55–85	NUM
fsr-3296	449	26	statistically	statistically	ADV
fsr-3296	449	27	different	different	ADJ
fsr-3296	449	28	from	from	ADP
fsr-3296	449	29	zero	zero	NUM
fsr-3296	449	30	(	(	PUNCT
fsr-3296	449	31	p	p	PROPN
fsr-3296	449	32	�	�	PROPN
fsr-3296	449	33	0.814	0.814	NUM
fsr-3296	449	34	)	)	PUNCT
fsr-3296	449	35	.	.	PUNCT
fsr-3296	450	1	in	in	ADP
fsr-3296	450	2	contrast	contrast	NOUN
fsr-3296	450	3	,	,	PUNCT
fsr-3296	450	4	when	when	SCONJ
fsr-3296	450	5	the	the	DET
fsr-3296	450	6	need	need	NOUN
fsr-3296	450	7	for	for	ADP
fsr-3296	450	8	material	material	ADJ
fsr-3296	450	9	resources	resource	NOUN
fsr-3296	450	10	is	be	AUX
fsr-3296	450	11	higher	high	ADJ
fsr-3296	450	12	(	(	PUNCT
fsr-3296	450	13	i.e.	i.e.	X
fsr-3296	450	14	,	,	PUNCT
fsr-3296	450	15	in	in	ADP
fsr-3296	450	16	case	case	NOUN
fsr-3296	450	17	of	of	ADP
fsr-3296	450	18	individuals	individual	NOUN
fsr-3296	450	19	who	who	PRON
fsr-3296	450	20	score	score	VERB
fsr-3296	450	21	high	high	ADV
fsr-3296	450	22	on	on	ADP
fsr-3296	450	23	this	this	DET
fsr-3296	450	24	trait	trait	NOUN
fsr-3296	450	25	as	as	SCONJ
fsr-3296	450	26	indicated	indicate	VERB
fsr-3296	450	27	by	by	ADP
fsr-3296	450	28	one	one	NUM
fsr-3296	450	29	standard	standard	ADJ
fsr-3296	450	30	deviation	deviation	NOUN
fsr-3296	450	31	above	above	ADP
fsr-3296	450	32	the	the	DET
fsr-3296	450	33	mean	mean	NOUN
fsr-3296	450	34	in	in	ADP
fsr-3296	450	35	our	our	PRON
fsr-3296	450	36	analyses	analysis	NOUN
fsr-3296	450	37	)	)	PUNCT
fsr-3296	450	38	,	,	PUNCT
fsr-3296	450	39	intention	intention	NOUN
fsr-3296	450	40	to	to	PART
fsr-3296	450	41	apply	apply	VERB
fsr-3296	450	42	for	for	ADP
fsr-3296	450	43	a	a	DET
fsr-3296	450	44	mortgage	mortgage	NOUN
fsr-3296	450	45	is	be	AUX
fsr-3296	450	46	significantly	significantly	ADV
fsr-3296	450	47	different	different	ADJ
fsr-3296	450	48	at	at	ADP
fsr-3296	450	49	different	different	ADJ
fsr-3296	450	50	levels	level	NOUN
fsr-3296	450	51	of	of	ADP
fsr-3296	450	52	attitude	attitude	NOUN
fsr-3296	450	53	towards	towards	ADP
fsr-3296	450	54	borrowing	borrowing	NOUN
fsr-3296	450	55	.	.	PUNCT
fsr-3296	451	1	more	more	ADV
fsr-3296	451	2	specifically	specifically	ADV
fsr-3296	451	3	,	,	PUNCT
fsr-3296	451	4	for	for	ADP
fsr-3296	451	5	those	those	PRON
fsr-3296	451	6	with	with	ADP
fsr-3296	451	7	greater	great	ADJ
fsr-3296	451	8	need	need	NOUN
fsr-3296	451	9	for	for	ADP
fsr-3296	451	10	material	material	ADJ
fsr-3296	451	11	resources	resource	NOUN
fsr-3296	451	12	,	,	PUNCT
fsr-3296	451	13	when	when	SCONJ
fsr-3296	451	14	attitude	attitude	NOUN
fsr-3296	451	15	toward	toward	ADP
fsr-3296	451	16	borrowing	borrowing	NOUN
fsr-3296	451	17	is	be	AUX
fsr-3296	451	18	more	more	ADV
fsr-3296	451	19	favorable	favorable	ADJ
fsr-3296	451	20	,	,	PUNCT
fsr-3296	451	21	intention	intention	NOUN
fsr-3296	451	22	to	to	PART
fsr-3296	451	23	apply	apply	VERB
fsr-3296	451	24	for	for	ADP
fsr-3296	451	25	mortgage	mortgage	NOUN
fsr-3296	451	26	loans	loan	NOUN
fsr-3296	451	27	in	in	ADP
fsr-3296	451	28	significantly	significantly	ADV
fsr-3296	451	29	higher	high	ADJ
fsr-3296	451	30	compared	compare	VERB
fsr-3296	451	31	to	to	ADP
fsr-3296	451	32	those	those	PRON
fsr-3296	451	33	with	with	ADP
fsr-3296	451	34	less	less	ADV
fsr-3296	451	35	favorable	favorable	ADJ
fsr-3296	451	36	attitudes	attitude	NOUN
fsr-3296	451	37	towards	towards	ADP
fsr-3296	451	38	borrowing	borrowing	NOUN
fsr-3296	451	39	.	.	PUNCT
fsr-3296	452	1	the	the	DET
fsr-3296	452	2	average	average	ADJ
fsr-3296	452	3	score	score	NOUN
fsr-3296	452	4	on	on	ADP
fsr-3296	452	5	the	the	DET
fsr-3296	452	6	intention	intention	NOUN
fsr-3296	452	7	to	to	PART
fsr-3296	452	8	open	open	VERB
fsr-3296	452	9	a	a	DET
fsr-3296	452	10	new	new	ADJ
fsr-3296	452	11	mortgage	mortgage	NOUN
fsr-3296	452	12	account	account	NOUN
fsr-3296	452	13	for	for	ADP
fsr-3296	452	14	those	those	PRON
fsr-3296	452	15	who	who	PRON
fsr-3296	452	16	have	have	VERB
fsr-3296	452	17	a	a	DET
fsr-3296	452	18	more	more	ADV
fsr-3296	452	19	favorable	favorable	ADJ
fsr-3296	452	20	attitude	attitude	NOUN
fsr-3296	452	21	towards	towards	ADP
fsr-3296	452	22	borrowing	borrowing	NOUN
fsr-3296	452	23	is	be	AUX
fsr-3296	452	24	2.83	2.83	NUM
fsr-3296	452	25	that	that	PRON
fsr-3296	452	26	is	be	AUX
fsr-3296	452	27	0.92	0.92	NUM
fsr-3296	452	28	point	point	NOUN
fsr-3296	452	29	higher	high	ADJ
fsr-3296	452	30	than	than	ADP
fsr-3296	452	31	the	the	DET
fsr-3296	452	32	corresponding	corresponding	ADJ
fsr-3296	452	33	score	score	NOUN
fsr-3296	452	34	for	for	ADP
fsr-3296	452	35	those	those	PRON
fsr-3296	452	36	who	who	PRON
fsr-3296	452	37	have	have	VERB
fsr-3296	452	38	a	a	DET
fsr-3296	452	39	less	less	ADV
fsr-3296	452	40	favorable	favorable	ADJ
fsr-3296	452	41	attitude	attitude	NOUN
fsr-3296	452	42	(	(	PUNCT
fsr-3296	452	43	1.91	1.91	NUM
fsr-3296	452	44	)	)	PUNCT
fsr-3296	452	45	.	.	PUNCT
fsr-3296	453	1	it	it	PRON
fsr-3296	453	2	is	be	AUX
fsr-3296	453	3	noteworthy	noteworthy	ADJ
fsr-3296	453	4	that	that	SCONJ
fsr-3296	453	5	the	the	DET
fsr-3296	453	6	difference	difference	NOUN
fsr-3296	453	7	in	in	ADP
fsr-3296	453	8	intentions	intention	NOUN
fsr-3296	453	9	is	be	AUX
fsr-3296	453	10	almost	almost	ADV
fsr-3296	453	11	one	one	NUM
fsr-3296	453	12	scale	scale	NOUN
fsr-3296	453	13	unit	unit	NOUN
fsr-3296	453	14	(	(	PUNCT
fsr-3296	453	15	on	on	ADP
fsr-3296	453	16	a	a	DET
fsr-3296	453	17	scale	scale	NOUN
fsr-3296	453	18	of	of	ADP
fsr-3296	453	19	1	1	NUM
fsr-3296	453	20	to	to	PART
fsr-3296	453	21	5	5	NUM
fsr-3296	453	22	)	)	PUNCT
fsr-3296	453	23	indicating	indicate	VERB
fsr-3296	453	24	18.4	18.4	NUM
fsr-3296	453	25	%	%	NOUN
fsr-3296	453	26	increase	increase	NOUN
fsr-3296	453	27	in	in	ADP
fsr-3296	453	28	intentions	intention	NOUN
fsr-3296	453	29	to	to	PART
fsr-3296	453	30	apply	apply	VERB
fsr-3296	453	31	for	for	ADP
fsr-3296	453	32	mortgage	mortgage	NOUN
fsr-3296	453	33	that	that	PRON
fsr-3296	453	34	is	be	AUX
fsr-3296	453	35	statistically	statistically	ADV
fsr-3296	453	36	significant	significant	ADJ
fsr-3296	453	37	at	at	ADP
fsr-3296	453	38	the	the	DET
fsr-3296	453	39	5	5	NUM
fsr-3296	453	40	%	%	NOUN
fsr-3296	453	41	level	level	NOUN
fsr-3296	453	42	(	(	PUNCT
fsr-3296	453	43	p	p	PROPN
fsr-3296	453	44	�	�	PROPN
fsr-3296	453	45	0.018	0.018	NUM
fsr-3296	453	46	)	)	PUNCT
fsr-3296	453	47	.	.	PUNCT
fsr-3296	454	1	the	the	DET
fsr-3296	454	2	same	same	ADJ
fsr-3296	454	3	observations	observation	NOUN
fsr-3296	454	4	extend	extend	VERB
fsr-3296	454	5	to	to	ADP
fsr-3296	454	6	panel	panel	NOUN
fsr-3296	454	7	b.	b.	PROPN
fsr-3296	454	8	when	when	SCONJ
fsr-3296	454	9	the	the	DET
fsr-3296	454	10	need	need	NOUN
fsr-3296	454	11	for	for	ADP
fsr-3296	454	12	material	material	ADJ
fsr-3296	454	13	resources	resource	NOUN
fsr-3296	454	14	is	be	AUX
fsr-3296	454	15	low	low	ADJ
fsr-3296	454	16	,	,	PUNCT
fsr-3296	454	17	the	the	DET
fsr-3296	454	18	average	average	ADJ
fsr-3296	454	19	score	score	NOUN
fsr-3296	454	20	on	on	ADP
fsr-3296	454	21	the	the	DET
fsr-3296	454	22	intention	intention	NOUN
fsr-3296	454	23	to	to	PART
fsr-3296	454	24	obtain	obtain	VERB
fsr-3296	454	25	a	a	DET
fsr-3296	454	26	home	home	NOUN
fsr-3296	454	27	improvement	improvement	NOUN
fsr-3296	454	28	loan	loan	NOUN
fsr-3296	454	29	for	for	ADP
fsr-3296	454	30	those	those	PRON
fsr-3296	454	31	who	who	PRON
fsr-3296	454	32	have	have	VERB
fsr-3296	454	33	a	a	DET
fsr-3296	454	34	more	more	ADV
fsr-3296	454	35	favorable	favorable	ADJ
fsr-3296	454	36	attitude	attitude	NOUN
fsr-3296	454	37	towards	towards	ADP
fsr-3296	454	38	borrowing	borrowing	NOUN
fsr-3296	454	39	is	be	AUX
fsr-3296	454	40	not	not	PART
fsr-3296	454	41	significantly	significantly	ADV
fsr-3296	454	42	different	different	ADJ
fsr-3296	454	43	from	from	ADP
fsr-3296	454	44	those	those	PRON
fsr-3296	454	45	who	who	PRON
fsr-3296	454	46	figure	figure	VERB
fsr-3296	454	47	2	2	NUM
fsr-3296	454	48	(	(	PUNCT
fsr-3296	454	49	continued	continued	ADJ
fsr-3296	454	50	)	)	PUNCT
fsr-3296	454	51	notes	note	VERB
fsr-3296	454	52	:	:	PUNCT
fsr-3296	454	53	the	the	DET
fsr-3296	454	54	figure	figure	NOUN
fsr-3296	454	55	shows	show	VERB
fsr-3296	454	56	the	the	DET
fsr-3296	454	57	results	result	NOUN
fsr-3296	454	58	of	of	ADP
fsr-3296	454	59	running	run	VERB
fsr-3296	454	60	interaction	interaction	NOUN
fsr-3296	454	61	plots	plot	NOUN
fsr-3296	454	62	to	to	PART
fsr-3296	454	63	discern	discern	VERB
fsr-3296	454	64	how	how	SCONJ
fsr-3296	454	65	the	the	DET
fsr-3296	454	66	need	need	NOUN
fsr-3296	454	67	for	for	ADP
fsr-3296	454	68	arousal	arousal	ADJ
fsr-3296	454	69	trait	trait	NOUN
fsr-3296	454	70	moderates	moderate	VERB
fsr-3296	454	71	the	the	DET
fsr-3296	454	72	relationship	relationship	NOUN
fsr-3296	454	73	between	between	ADP
fsr-3296	454	74	the	the	DET
fsr-3296	454	75	attitude	attitude	NOUN
fsr-3296	454	76	towards	towards	ADP
fsr-3296	454	77	borrowing	borrowing	NOUN
fsr-3296	454	78	and	and	CCONJ
fsr-3296	454	79	the	the	DET
fsr-3296	454	80	intentions	intention	NOUN
fsr-3296	454	81	to	to	PART
fsr-3296	454	82	borrow	borrow	VERB
fsr-3296	454	83	.	.	PUNCT
fsr-3296	455	1	to	to	PART
fsr-3296	455	2	run	run	VERB
fsr-3296	455	3	the	the	DET
fsr-3296	455	4	test	test	NOUN
fsr-3296	455	5	,	,	PUNCT
fsr-3296	455	6	we	we	PRON
fsr-3296	455	7	classify	classify	VERB
fsr-3296	455	8	participants	participant	NOUN
fsr-3296	455	9	into	into	ADP
fsr-3296	455	10	two	two	NUM
fsr-3296	455	11	classes	class	NOUN
fsr-3296	455	12	using	use	VERB
fsr-3296	455	13	the	the	DET
fsr-3296	455	14	mean	mean	NOUN
fsr-3296	455	15	of	of	ADP
fsr-3296	455	16	scores	score	NOUN
fsr-3296	455	17	and	and	CCONJ
fsr-3296	455	18	the	the	DET
fsr-3296	455	19	standard	standard	ADJ
fsr-3296	455	20	deviation	deviation	NOUN
fsr-3296	455	21	of	of	ADP
fsr-3296	455	22	the	the	DET
fsr-3296	455	23	scores	score	NOUN
fsr-3296	455	24	on	on	ADP
fsr-3296	455	25	the	the	DET
fsr-3296	455	26	need	need	NOUN
fsr-3296	455	27	for	for	ADP
fsr-3296	455	28	arousal	arousal	ADJ
fsr-3296	455	29	test	test	NOUN
fsr-3296	455	30	.	.	PUNCT
fsr-3296	456	1	specifically	specifically	ADV
fsr-3296	456	2	,	,	PUNCT
fsr-3296	456	3	respondents	respondent	NOUN
fsr-3296	456	4	with	with	ADP
fsr-3296	456	5	a	a	DET
fsr-3296	456	6	need	need	NOUN
fsr-3296	456	7	for	for	ADP
fsr-3296	456	8	arousal	arousal	ADJ
fsr-3296	456	9	scores	score	NOUN
fsr-3296	456	10	higher	higher	ADV
fsr-3296	456	11	(	(	PUNCT
fsr-3296	456	12	lower	low	ADJ
fsr-3296	456	13	)	)	PUNCT
fsr-3296	456	14	than	than	ADP
fsr-3296	456	15	one	one	NUM
fsr-3296	456	16	standard	standard	ADJ
fsr-3296	456	17	deviation	deviation	NOUN
fsr-3296	456	18	above	above	ADP
fsr-3296	456	19	(	(	PUNCT
fsr-3296	456	20	below	below	ADV
fsr-3296	456	21	)	)	PUNCT
fsr-3296	456	22	the	the	DET
fsr-3296	456	23	mean	mean	NOUN
fsr-3296	456	24	are	be	AUX
fsr-3296	456	25	classified	classify	VERB
fsr-3296	456	26	as	as	ADP
fsr-3296	456	27	individuals	individual	NOUN
fsr-3296	456	28	with	with	ADP
fsr-3296	456	29	greater	great	ADJ
fsr-3296	456	30	(	(	PUNCT
fsr-3296	456	31	lesser	lesser	NOUN
fsr-3296	456	32	)	)	PUNCT
fsr-3296	456	33	need	need	NOUN
fsr-3296	456	34	for	for	ADP
fsr-3296	456	35	arousal	arousal	NOUN
fsr-3296	456	36	.	.	PUNCT
fsr-3296	457	1	analogically	analogically	ADV
fsr-3296	457	2	,	,	PUNCT
fsr-3296	457	3	respondents	respondent	NOUN
fsr-3296	457	4	with	with	ADP
fsr-3296	457	5	an	an	DET
fsr-3296	457	6	attitude	attitude	NOUN
fsr-3296	457	7	towards	towards	ADP
fsr-3296	457	8	borrowing	borrowing	NOUN
fsr-3296	457	9	scores	score	NOUN
fsr-3296	457	10	higher	higher	ADV
fsr-3296	457	11	(	(	PUNCT
fsr-3296	457	12	lower	low	ADJ
fsr-3296	457	13	)	)	PUNCT
fsr-3296	457	14	than	than	ADP
fsr-3296	457	15	one	one	NUM
fsr-3296	457	16	standard	standard	ADJ
fsr-3296	457	17	deviation	deviation	NOUN
fsr-3296	457	18	above	above	ADP
fsr-3296	457	19	(	(	PUNCT
fsr-3296	457	20	below	below	ADV
fsr-3296	457	21	)	)	PUNCT
fsr-3296	457	22	the	the	DET
fsr-3296	457	23	mean	mean	NOUN
fsr-3296	457	24	are	be	AUX
fsr-3296	457	25	classified	classify	VERB
fsr-3296	457	26	as	as	ADP
fsr-3296	457	27	individuals	individual	NOUN
fsr-3296	457	28	with	with	ADP
fsr-3296	457	29	more	more	ADJ
fsr-3296	457	30	(	(	PUNCT
fsr-3296	457	31	less	less	ADJ
fsr-3296	457	32	)	)	PUNCT
fsr-3296	457	33	favorable	favorable	ADJ
fsr-3296	457	34	attitude	attitude	NOUN
fsr-3296	457	35	towards	towards	ADP
fsr-3296	457	36	borrowing	borrowing	NOUN
fsr-3296	457	37	.	.	PUNCT
fsr-3296	458	1	we	we	PRON
fsr-3296	458	2	run	run	VERB
fsr-3296	458	3	the	the	DET
fsr-3296	458	4	model	model	NOUN
fsr-3296	458	5	with	with	ADP
fsr-3296	458	6	all	all	DET
fsr-3296	458	7	eight	eight	NUM
fsr-3296	458	8	borrowing	borrowing	NOUN
fsr-3296	458	9	options	option	NOUN
fsr-3296	458	10	but	but	CCONJ
fsr-3296	458	11	we	we	PRON
fsr-3296	458	12	report	report	VERB
fsr-3296	458	13	only	only	ADV
fsr-3296	458	14	the	the	DET
fsr-3296	458	15	findings	finding	NOUN
fsr-3296	458	16	with	with	ADP
fsr-3296	458	17	significant	significant	ADJ
fsr-3296	458	18	interaction	interaction	NOUN
fsr-3296	458	19	effects	effect	NOUN
fsr-3296	458	20	.	.	PUNCT
fsr-3296	459	1	under	under	ADP
fsr-3296	459	2	each	each	DET
fsr-3296	459	3	chart	chart	NOUN
fsr-3296	459	4	,	,	PUNCT
fsr-3296	459	5	we	we	PRON
fsr-3296	459	6	report	report	VERB
fsr-3296	459	7	the	the	DET
fsr-3296	459	8	averages	average	NOUN
fsr-3296	459	9	scores	score	NOUN
fsr-3296	459	10	on	on	ADP
fsr-3296	459	11	the	the	DET
fsr-3296	459	12	corresponding	correspond	VERB
fsr-3296	459	13	intention	intention	NOUN
fsr-3296	459	14	to	to	PART
fsr-3296	459	15	borrow	borrow	VERB
fsr-3296	459	16	.	.	PUNCT
fsr-3296	460	1	we	we	PRON
fsr-3296	460	2	also	also	ADV
fsr-3296	460	3	report	report	VERB
fsr-3296	460	4	the	the	DET
fsr-3296	460	5	difference	difference	NOUN
fsr-3296	460	6	and	and	CCONJ
fsr-3296	460	7	statistical	statistical	ADJ
fsr-3296	460	8	significance	significance	NOUN
fsr-3296	460	9	(	(	PUNCT
fsr-3296	460	10	p	p	NOUN
fsr-3296	460	11	-	-	PUNCT
fsr-3296	460	12	value	value	NOUN
fsr-3296	460	13	)	)	PUNCT
fsr-3296	460	14	for	for	ADP
fsr-3296	460	15	the	the	DET
fsr-3296	460	16	difference	difference	NOUN
fsr-3296	460	17	in	in	ADP
fsr-3296	460	18	average	average	ADJ
fsr-3296	460	19	scores	score	NOUN
fsr-3296	460	20	between	between	ADP
fsr-3296	460	21	the	the	DET
fsr-3296	460	22	more	more	ADV
fsr-3296	460	23	favorable	favorable	ADJ
fsr-3296	460	24	attitude	attitude	NOUN
fsr-3296	460	25	and	and	CCONJ
fsr-3296	460	26	the	the	DET
fsr-3296	460	27	less	less	ADV
fsr-3296	460	28	favorable	favorable	ADJ
fsr-3296	460	29	attitude	attitude	NOUN
fsr-3296	460	30	subgroups	subgroup	NOUN
fsr-3296	460	31	.	.	PUNCT
fsr-3296	461	1	asterisks	asterisk	NOUN
fsr-3296	461	2	denote	denote	VERB
fsr-3296	461	3	statistical	statistical	ADJ
fsr-3296	461	4	significance	significance	NOUN
fsr-3296	461	5	at	at	ADP
fsr-3296	461	6	the	the	DET
fsr-3296	461	7	1	1	NUM
fsr-3296	461	8	%	%	NOUN
fsr-3296	461	9	(	(	PUNCT
fsr-3296	461	10	*	*	PUNCT
fsr-3296	461	11	*	*	PUNCT
fsr-3296	461	12	*	*	PUNCT
fsr-3296	461	13	)	)	PUNCT
fsr-3296	461	14	,	,	PUNCT
fsr-3296	461	15	5	5	NUM
fsr-3296	461	16	%	%	NOUN
fsr-3296	461	17	(	(	PUNCT
fsr-3296	461	18	*	*	NOUN
fsr-3296	461	19	*	*	PUNCT
fsr-3296	461	20	)	)	PUNCT
fsr-3296	461	21	,	,	PUNCT
fsr-3296	461	22	or	or	CCONJ
fsr-3296	461	23	10	10	NUM
fsr-3296	461	24	%	%	NOUN
fsr-3296	461	25	(	(	PUNCT
fsr-3296	461	26	*	*	NOUN
fsr-3296	461	27	)	)	PUNCT
fsr-3296	461	28	level	level	NOUN
fsr-3296	461	29	.	.	PUNCT
fsr-3296	461	30	73a	73a	NUM
fsr-3296	461	31	.	.	PUNCT
fsr-3296	462	1	yazdanparast	yazdanparast	NOUN
fsr-3296	462	2	,	,	PUNCT
fsr-3296	462	3	y.	y.	PROPN
fsr-3296	462	4	alhenawi	alhenawi	PROPN
fsr-3296	462	5	/	/	SYM
fsr-3296	462	6	financial	financial	ADJ
fsr-3296	462	7	services	service	NOUN
fsr-3296	462	8	review	review	VERB
fsr-3296	462	9	26	26	NUM
fsr-3296	462	10	(	(	PUNCT
fsr-3296	462	11	2017	2017	NUM
fsr-3296	462	12	)	)	PUNCT
fsr-3296	462	13	55–85	55–85	NUM
fsr-3296	462	14	have	have	VERB
fsr-3296	462	15	a	a	DET
fsr-3296	462	16	less	less	ADV
fsr-3296	462	17	favorable	favorable	ADJ
fsr-3296	462	18	attitude	attitude	NOUN
fsr-3296	462	19	(	(	PUNCT
fsr-3296	462	20	p	p	NOUN
fsr-3296	462	21	�	�	PROPN
fsr-3296	462	22	0.281	0.281	NUM
fsr-3296	462	23	)	)	PUNCT
fsr-3296	462	24	.	.	PUNCT
fsr-3296	463	1	in	in	ADP
fsr-3296	463	2	contrast	contrast	NOUN
fsr-3296	463	3	,	,	PUNCT
fsr-3296	463	4	when	when	SCONJ
fsr-3296	463	5	the	the	DET
fsr-3296	463	6	need	need	NOUN
fsr-3296	463	7	for	for	ADP
fsr-3296	463	8	material	material	ADJ
fsr-3296	463	9	resources	resource	NOUN
fsr-3296	463	10	is	be	AUX
fsr-3296	463	11	greater	great	ADJ
fsr-3296	463	12	,	,	PUNCT
fsr-3296	463	13	a	a	DET
fsr-3296	463	14	more	more	ADV
fsr-3296	463	15	favorable	favorable	ADJ
fsr-3296	463	16	attitude	attitude	NOUN
fsr-3296	463	17	towards	towards	ADP
fsr-3296	463	18	borrowing	borrowing	NOUN
fsr-3296	463	19	is	be	AUX
fsr-3296	463	20	associated	associate	VERB
fsr-3296	463	21	with	with	ADP
fsr-3296	463	22	a	a	DET
fsr-3296	463	23	significantly	significantly	ADV
fsr-3296	463	24	higher	high	ADJ
fsr-3296	463	25	intention	intention	NOUN
fsr-3296	463	26	to	to	PART
fsr-3296	463	27	draw	draw	VERB
fsr-3296	463	28	a	a	DET
fsr-3296	463	29	home	home	NOUN
fsr-3296	463	30	improvement	improvement	NOUN
fsr-3296	463	31	loan	loan	NOUN
fsr-3296	463	32	(	(	PUNCT
fsr-3296	463	33	mean	mean	ADJ
fsr-3296	463	34	difference	difference	NOUN
fsr-3296	463	35	is	be	AUX
fsr-3296	463	36	1.05	1.05	NUM
fsr-3296	463	37	points	point	NOUN
fsr-3296	463	38	and	and	CCONJ
fsr-3296	463	39	is	be	AUX
fsr-3296	463	40	statistically	statistically	ADV
fsr-3296	463	41	significant	significant	ADJ
fsr-3296	463	42	at	at	ADP
fsr-3296	463	43	the	the	DET
fsr-3296	463	44	1	1	NUM
fsr-3296	463	45	%	%	NOUN
fsr-3296	463	46	level	level	NOUN
fsr-3296	463	47	;	;	PUNCT
fsr-3296	463	48	p	p	PROPN
fsr-3296	463	49	�	�	PROPN
fsr-3296	463	50	0.001	0.001	NUM
fsr-3296	463	51	)	)	PUNCT
fsr-3296	463	52	.	.	PUNCT
fsr-3296	464	1	panel	panel	NOUN
fsr-3296	464	2	c	c	PROPN
fsr-3296	464	3	reveals	reveal	VERB
fsr-3296	464	4	similar	similar	ADJ
fsr-3296	464	5	findings	finding	NOUN
fsr-3296	464	6	with	with	ADP
fsr-3296	464	7	the	the	DET
fsr-3296	464	8	intention	intention	NOUN
fsr-3296	464	9	to	to	PART
fsr-3296	464	10	draw	draw	VERB
fsr-3296	464	11	a	a	DET
fsr-3296	464	12	business	business	NOUN
fsr-3296	464	13	loan	loan	NOUN
fsr-3296	464	14	.	.	PUNCT
fsr-3296	465	1	when	when	SCONJ
fsr-3296	465	2	the	the	DET
fsr-3296	465	3	need	need	NOUN
fsr-3296	465	4	for	for	ADP
fsr-3296	465	5	material	material	ADJ
fsr-3296	465	6	resources	resource	NOUN
fsr-3296	465	7	is	be	AUX
fsr-3296	465	8	low	low	ADJ
fsr-3296	465	9	,	,	PUNCT
fsr-3296	465	10	the	the	DET
fsr-3296	465	11	average	average	ADJ
fsr-3296	465	12	score	score	NOUN
fsr-3296	465	13	for	for	ADP
fsr-3296	465	14	those	those	PRON
fsr-3296	465	15	who	who	PRON
fsr-3296	465	16	have	have	VERB
fsr-3296	465	17	a	a	DET
fsr-3296	465	18	more	more	ADV
fsr-3296	465	19	favorable	favorable	ADJ
fsr-3296	465	20	attitude	attitude	NOUN
fsr-3296	465	21	towards	towards	ADP
fsr-3296	465	22	borrowing	borrowing	NOUN
fsr-3296	465	23	is	be	AUX
fsr-3296	465	24	1.56	1.56	NUM
fsr-3296	465	25	while	while	SCONJ
fsr-3296	465	26	it	it	PRON
fsr-3296	465	27	is	be	AUX
fsr-3296	465	28	1.31	1.31	NUM
fsr-3296	465	29	for	for	ADP
fsr-3296	465	30	those	those	PRON
fsr-3296	465	31	with	with	ADP
fsr-3296	465	32	a	a	DET
fsr-3296	465	33	less	less	ADV
fsr-3296	465	34	favorable	favorable	ADJ
fsr-3296	465	35	attitude	attitude	NOUN
fsr-3296	465	36	towards	towards	ADP
fsr-3296	465	37	borrowing	borrowing	NOUN
fsr-3296	465	38	.	.	PUNCT
fsr-3296	466	1	the	the	DET
fsr-3296	466	2	difference	difference	NOUN
fsr-3296	466	3	is	be	AUX
fsr-3296	466	4	0.25	0.25	NUM
fsr-3296	466	5	scale	scale	NOUN
fsr-3296	466	6	points	point	NOUN
fsr-3296	466	7	which	which	PRON
fsr-3296	466	8	is	be	AUX
fsr-3296	466	9	statistically	statistically	ADV
fsr-3296	466	10	insignificant	insignificant	ADJ
fsr-3296	466	11	(	(	PUNCT
fsr-3296	466	12	p	p	PROPN
fsr-3296	466	13	�	�	PROPN
fsr-3296	466	14	0.239	0.239	NUM
fsr-3296	466	15	)	)	PUNCT
fsr-3296	466	16	.	.	PUNCT
fsr-3296	467	1	when	when	SCONJ
fsr-3296	467	2	the	the	DET
fsr-3296	467	3	need	need	NOUN
fsr-3296	467	4	for	for	ADP
fsr-3296	467	5	material	material	ADJ
fsr-3296	467	6	resources	resource	NOUN
fsr-3296	467	7	is	be	AUX
fsr-3296	467	8	higher	high	ADJ
fsr-3296	467	9	,	,	PUNCT
fsr-3296	467	10	the	the	DET
fsr-3296	467	11	average	average	ADJ
fsr-3296	467	12	score	score	NOUN
fsr-3296	467	13	for	for	ADP
fsr-3296	467	14	those	those	PRON
fsr-3296	467	15	who	who	PRON
fsr-3296	467	16	have	have	VERB
fsr-3296	467	17	a	a	DET
fsr-3296	467	18	more	more	ADV
fsr-3296	467	19	favorable	favorable	ADJ
fsr-3296	467	20	attitude	attitude	NOUN
fsr-3296	467	21	towards	towards	ADP
fsr-3296	467	22	borrowing	borrowing	NOUN
fsr-3296	467	23	is	be	AUX
fsr-3296	467	24	2.45	2.45	NUM
fsr-3296	467	25	while	while	SCONJ
fsr-3296	467	26	the	the	DET
fsr-3296	467	27	corresponding	corresponding	ADJ
fsr-3296	467	28	score	score	NOUN
fsr-3296	467	29	for	for	ADP
fsr-3296	467	30	those	those	PRON
fsr-3296	467	31	who	who	PRON
fsr-3296	467	32	have	have	VERB
fsr-3296	467	33	a	a	DET
fsr-3296	467	34	less	less	ADV
fsr-3296	467	35	favorable	favorable	ADJ
fsr-3296	467	36	attitude	attitude	NOUN
fsr-3296	467	37	towards	towards	ADP
fsr-3296	467	38	borrowing	borrowing	NOUN
fsr-3296	467	39	is	be	AUX
fsr-3296	467	40	1.30	1.30	NUM
fsr-3296	467	41	.	.	PUNCT
fsr-3296	468	1	the	the	DET
fsr-3296	468	2	difference	difference	NOUN
fsr-3296	468	3	is	be	AUX
fsr-3296	468	4	an	an	DET
fsr-3296	468	5	impressive	impressive	ADJ
fsr-3296	468	6	1.15	1.15	NUM
fsr-3296	468	7	points	point	NOUN
fsr-3296	468	8	and	and	CCONJ
fsr-3296	468	9	is	be	AUX
fsr-3296	468	10	statistically	statistically	ADV
fsr-3296	468	11	significant	significant	ADJ
fsr-3296	468	12	(	(	PUNCT
fsr-3296	468	13	p	p	NOUN
fsr-3296	468	14	-	-	PUNCT
fsr-3296	468	15	value	value	NOUN
fsr-3296	468	16	is	be	AUX
fsr-3296	468	17	less	less	ADJ
fsr-3296	468	18	than	than	ADP
fsr-3296	468	19	0.001	0.001	NUM
fsr-3296	468	20	)	)	PUNCT
fsr-3296	468	21	.	.	PUNCT
fsr-3296	469	1	the	the	DET
fsr-3296	469	2	findings	finding	NOUN
fsr-3296	469	3	also	also	ADV
fsr-3296	469	4	extend	extend	VERB
fsr-3296	469	5	to	to	ADP
fsr-3296	469	6	panel	panel	NOUN
fsr-3296	469	7	d	d	NOUN
fsr-3296	469	8	with	with	ADP
fsr-3296	469	9	one	one	NUM
fsr-3296	469	10	exception	exception	NOUN
fsr-3296	469	11	.	.	PUNCT
fsr-3296	470	1	when	when	SCONJ
fsr-3296	470	2	the	the	DET
fsr-3296	470	3	need	need	NOUN
fsr-3296	470	4	for	for	ADP
fsr-3296	470	5	material	material	ADJ
fsr-3296	470	6	resources	resource	NOUN
fsr-3296	470	7	is	be	AUX
fsr-3296	470	8	low	low	ADJ
fsr-3296	470	9	,	,	PUNCT
fsr-3296	470	10	the	the	DET
fsr-3296	470	11	attitude	attitude	NOUN
fsr-3296	470	12	towards	towards	ADP
fsr-3296	470	13	borrowing	borrowing	NOUN
fsr-3296	470	14	there	there	ADV
fsr-3296	470	15	is	be	AUX
fsr-3296	470	16	no	no	DET
fsr-3296	470	17	significant	significant	ADJ
fsr-3296	470	18	difference	difference	NOUN
fsr-3296	470	19	in	in	ADP
fsr-3296	470	20	individuals	individual	NOUN
fsr-3296	470	21	’	'	PUNCT
fsr-3296	470	22	intention	intention	NOUN
fsr-3296	470	23	to	to	PART
fsr-3296	470	24	take	take	VERB
fsr-3296	470	25	a	a	DET
fsr-3296	470	26	payday	payday	NOUN
fsr-3296	470	27	loan	loan	NOUN
fsr-3296	470	28	regardless	regardless	ADV
fsr-3296	470	29	of	of	ADP
fsr-3296	470	30	their	their	PRON
fsr-3296	470	31	attitudes	attitude	NOUN
fsr-3296	470	32	towards	towards	ADP
fsr-3296	470	33	borrowing	borrowing	NOUN
fsr-3296	470	34	.	.	PUNCT
fsr-3296	471	1	however	however	ADV
fsr-3296	471	2	,	,	PUNCT
fsr-3296	471	3	for	for	ADP
fsr-3296	471	4	those	those	PRON
fsr-3296	471	5	who	who	PRON
fsr-3296	471	6	score	score	VERB
fsr-3296	471	7	higher	higher	ADV
fsr-3296	471	8	on	on	ADP
fsr-3296	471	9	the	the	DET
fsr-3296	471	10	need	need	NOUN
fsr-3296	471	11	for	for	ADP
fsr-3296	471	12	material	material	ADJ
fsr-3296	471	13	resources	resource	NOUN
fsr-3296	471	14	,	,	PUNCT
fsr-3296	471	15	the	the	DET
fsr-3296	471	16	role	role	NOUN
fsr-3296	471	17	of	of	ADP
fsr-3296	471	18	the	the	DET
fsr-3296	471	19	attitude	attitude	NOUN
fsr-3296	471	20	is	be	AUX
fsr-3296	471	21	much	much	ADV
fsr-3296	471	22	stronger	strong	ADJ
fsr-3296	471	23	in	in	ADP
fsr-3296	471	24	relation	relation	NOUN
fsr-3296	471	25	to	to	ADP
fsr-3296	471	26	intention	intention	NOUN
fsr-3296	471	27	to	to	PART
fsr-3296	471	28	take	take	VERB
fsr-3296	471	29	payday	payday	NOUN
fsr-3296	471	30	loans	loan	NOUN
fsr-3296	471	31	.	.	PUNCT
fsr-3296	472	1	more	more	ADV
fsr-3296	472	2	specifically	specifically	ADV
fsr-3296	472	3	,	,	PUNCT
fsr-3296	472	4	when	when	SCONJ
fsr-3296	472	5	the	the	DET
fsr-3296	472	6	need	need	NOUN
fsr-3296	472	7	for	for	ADP
fsr-3296	472	8	material	material	ADJ
fsr-3296	472	9	resources	resource	NOUN
fsr-3296	472	10	is	be	AUX
fsr-3296	472	11	low	low	ADJ
fsr-3296	472	12	,	,	PUNCT
fsr-3296	472	13	the	the	DET
fsr-3296	472	14	average	average	ADJ
fsr-3296	472	15	score	score	NOUN
fsr-3296	472	16	on	on	ADP
fsr-3296	472	17	the	the	DET
fsr-3296	472	18	intention	intention	NOUN
fsr-3296	472	19	to	to	PART
fsr-3296	472	20	take	take	VERB
fsr-3296	472	21	a	a	DET
fsr-3296	472	22	payday	payday	NOUN
fsr-3296	472	23	loan	loan	NOUN
fsr-3296	472	24	for	for	ADP
fsr-3296	472	25	those	those	PRON
fsr-3296	472	26	who	who	PRON
fsr-3296	472	27	have	have	VERB
fsr-3296	472	28	a	a	DET
fsr-3296	472	29	more	more	ADV
fsr-3296	472	30	favorable	favorable	ADJ
fsr-3296	472	31	attitude	attitude	NOUN
fsr-3296	472	32	towards	towards	ADP
fsr-3296	472	33	borrowing	borrowing	NOUN
fsr-3296	472	34	is	be	AUX
fsr-3296	472	35	1.41	1.41	NUM
fsr-3296	472	36	.	.	PUNCT
fsr-3296	473	1	the	the	DET
fsr-3296	473	2	corresponding	corresponding	ADJ
fsr-3296	473	3	score	score	NOUN
fsr-3296	473	4	for	for	ADP
fsr-3296	473	5	those	those	PRON
fsr-3296	473	6	who	who	PRON
fsr-3296	473	7	have	have	VERB
fsr-3296	473	8	a	a	DET
fsr-3296	473	9	less	less	ADV
fsr-3296	473	10	favorable	favorable	ADJ
fsr-3296	473	11	attitude	attitude	NOUN
fsr-3296	473	12	towards	towards	ADP
fsr-3296	473	13	borrowing	borrowing	NOUN
fsr-3296	473	14	is	be	AUX
fsr-3296	473	15	1.08	1.08	NUM
fsr-3296	473	16	.	.	PUNCT
fsr-3296	474	1	the	the	DET
fsr-3296	474	2	difference	difference	NOUN
fsr-3296	474	3	of	of	ADP
fsr-3296	474	4	0.33	0.33	NUM
fsr-3296	474	5	is	be	AUX
fsr-3296	474	6	only	only	ADV
fsr-3296	474	7	marginally	marginally	ADV
fsr-3296	474	8	significant	significant	ADJ
fsr-3296	474	9	at	at	ADP
fsr-3296	474	10	the	the	DET
fsr-3296	474	11	10	10	NUM
fsr-3296	474	12	%	%	NOUN
fsr-3296	474	13	(	(	PUNCT
fsr-3296	474	14	p	p	X
fsr-3296	474	15	�	�	PROPN
fsr-3296	474	16	0.058	0.058	NUM
fsr-3296	474	17	)	)	PUNCT
fsr-3296	474	18	.	.	PUNCT
fsr-3296	475	1	in	in	ADP
fsr-3296	475	2	contrast	contrast	NOUN
fsr-3296	475	3	,	,	PUNCT
fsr-3296	475	4	when	when	SCONJ
fsr-3296	475	5	the	the	DET
fsr-3296	475	6	need	need	NOUN
fsr-3296	475	7	for	for	ADP
fsr-3296	475	8	material	material	ADJ
fsr-3296	475	9	resources	resource	NOUN
fsr-3296	475	10	is	be	AUX
fsr-3296	475	11	greater	great	ADJ
fsr-3296	475	12	,	,	PUNCT
fsr-3296	475	13	the	the	DET
fsr-3296	475	14	average	average	ADJ
fsr-3296	475	15	score	score	NOUN
fsr-3296	475	16	on	on	ADP
fsr-3296	475	17	the	the	DET
fsr-3296	475	18	intention	intention	NOUN
fsr-3296	475	19	to	to	PART
fsr-3296	475	20	take	take	VERB
fsr-3296	475	21	a	a	DET
fsr-3296	475	22	payday	payday	NOUN
fsr-3296	475	23	loan	loan	NOUN
fsr-3296	475	24	for	for	ADP
fsr-3296	475	25	those	those	PRON
fsr-3296	475	26	who	who	PRON
fsr-3296	475	27	have	have	VERB
fsr-3296	475	28	a	a	DET
fsr-3296	475	29	more	more	ADV
fsr-3296	475	30	favorable	favorable	ADJ
fsr-3296	475	31	attitude	attitude	NOUN
fsr-3296	475	32	towards	towards	ADP
fsr-3296	475	33	borrowing	borrowing	NOUN
fsr-3296	475	34	is	be	AUX
fsr-3296	475	35	2.11	2.11	NUM
fsr-3296	475	36	that	that	PRON
fsr-3296	475	37	is	be	AUX
fsr-3296	475	38	1.21	1.21	NUM
fsr-3296	475	39	point	point	NOUN
fsr-3296	475	40	higher	high	ADJ
fsr-3296	475	41	than	than	ADP
fsr-3296	475	42	the	the	DET
fsr-3296	475	43	average	average	ADJ
fsr-3296	475	44	score	score	NOUN
fsr-3296	475	45	for	for	ADP
fsr-3296	475	46	those	those	PRON
fsr-3296	475	47	who	who	PRON
fsr-3296	475	48	have	have	VERB
fsr-3296	475	49	a	a	DET
fsr-3296	475	50	less	less	ADV
fsr-3296	475	51	favorable	favorable	ADJ
fsr-3296	475	52	attitude	attitude	NOUN
fsr-3296	475	53	(	(	PUNCT
fsr-3296	475	54	0.90	0.90	NUM
fsr-3296	475	55	)	)	PUNCT
fsr-3296	475	56	.	.	PUNCT
fsr-3296	476	1	the	the	DET
fsr-3296	476	2	difference	difference	NOUN
fsr-3296	476	3	is	be	AUX
fsr-3296	476	4	1.05	1.05	NUM
fsr-3296	476	5	points	point	NOUN
fsr-3296	476	6	and	and	CCONJ
fsr-3296	476	7	is	be	AUX
fsr-3296	476	8	statistically	statistically	ADV
fsr-3296	476	9	significant	significant	ADJ
fsr-3296	476	10	at	at	ADP
fsr-3296	476	11	the	the	DET
fsr-3296	476	12	1	1	NUM
fsr-3296	476	13	%	%	NOUN
fsr-3296	476	14	level	level	NOUN
fsr-3296	476	15	(	(	PUNCT
fsr-3296	476	16	p	p	PROPN
fsr-3296	476	17	�	�	PROPN
fsr-3296	476	18	0.001	0.001	NUM
fsr-3296	476	19	)	)	PUNCT
fsr-3296	476	20	.	.	PUNCT
fsr-3296	477	1	finally	finally	ADV
fsr-3296	477	2	,	,	PUNCT
fsr-3296	477	3	the	the	DET
fsr-3296	477	4	plots	plot	NOUN
fsr-3296	477	5	in	in	ADP
fsr-3296	477	6	panel	panel	NOUN
fsr-3296	477	7	e	e	NOUN
fsr-3296	477	8	show	show	VERB
fsr-3296	477	9	that	that	SCONJ
fsr-3296	477	10	the	the	DET
fsr-3296	477	11	need	need	NOUN
fsr-3296	477	12	for	for	ADP
fsr-3296	477	13	material	material	ADJ
fsr-3296	477	14	resources	resource	NOUN
fsr-3296	477	15	affects	affect	VERB
fsr-3296	477	16	how	how	SCONJ
fsr-3296	477	17	the	the	DET
fsr-3296	477	18	attitude	attitude	NOUN
fsr-3296	477	19	towards	towards	ADP
fsr-3296	477	20	borrowing	borrow	VERB
fsr-3296	477	21	translate	translate	NOUN
fsr-3296	477	22	into	into	ADP
fsr-3296	477	23	intentions	intention	NOUN
fsr-3296	477	24	to	to	PART
fsr-3296	477	25	obtain	obtain	VERB
fsr-3296	477	26	a	a	DET
fsr-3296	477	27	personal	personal	ADJ
fsr-3296	477	28	loan	loan	NOUN
fsr-3296	477	29	.	.	PUNCT
fsr-3296	478	1	the	the	DET
fsr-3296	478	2	plots	plot	NOUN
fsr-3296	478	3	show	show	VERB
fsr-3296	478	4	that	that	SCONJ
fsr-3296	478	5	a	a	DET
fsr-3296	478	6	more	more	ADV
fsr-3296	478	7	favorable	favorable	ADJ
fsr-3296	478	8	attitude	attitude	NOUN
fsr-3296	478	9	towards	towards	ADP
fsr-3296	478	10	borrowing	borrowing	NOUN
fsr-3296	478	11	leads	lead	VERB
fsr-3296	478	12	to	to	ADP
fsr-3296	478	13	a	a	DET
fsr-3296	478	14	stronger	strong	ADJ
fsr-3296	478	15	intention	intention	NOUN
fsr-3296	478	16	for	for	ADP
fsr-3296	478	17	personal	personal	ADJ
fsr-3296	478	18	loans	loan	NOUN
fsr-3296	478	19	,	,	PUNCT
fsr-3296	478	20	but	but	CCONJ
fsr-3296	478	21	the	the	DET
fsr-3296	478	22	relationship	relationship	NOUN
fsr-3296	478	23	is	be	AUX
fsr-3296	478	24	much	much	ADV
fsr-3296	478	25	stronger	strong	ADJ
fsr-3296	478	26	when	when	SCONJ
fsr-3296	478	27	the	the	DET
fsr-3296	478	28	need	need	NOUN
fsr-3296	478	29	for	for	ADP
fsr-3296	478	30	material	material	ADJ
fsr-3296	478	31	resources	resource	NOUN
fsr-3296	478	32	is	be	AUX
fsr-3296	478	33	greater	great	ADJ
fsr-3296	478	34	.	.	PUNCT
fsr-3296	479	1	overall	overall	ADV
fsr-3296	479	2	,	,	PUNCT
fsr-3296	479	3	the	the	DET
fsr-3296	479	4	findings	finding	NOUN
fsr-3296	479	5	in	in	ADP
fsr-3296	479	6	figure	figure	NOUN
fsr-3296	479	7	1	1	NUM
fsr-3296	479	8	support	support	NOUN
fsr-3296	479	9	hypothesis	hypothesis	NOUN
fsr-3296	479	10	3a	3a	NUM
fsr-3296	479	11	.	.	PUNCT
fsr-3296	480	1	specifically	specifically	ADV
fsr-3296	480	2	,	,	PUNCT
fsr-3296	480	3	they	they	PRON
fsr-3296	480	4	present	present	VERB
fsr-3296	480	5	evidence	evidence	NOUN
fsr-3296	480	6	consistent	consistent	ADJ
fsr-3296	480	7	with	with	ADP
fsr-3296	480	8	the	the	DET
fsr-3296	480	9	supposition	supposition	NOUN
fsr-3296	480	10	that	that	SCONJ
fsr-3296	480	11	while	while	SCONJ
fsr-3296	480	12	the	the	DET
fsr-3296	480	13	connection	connection	NOUN
fsr-3296	480	14	between	between	ADP
fsr-3296	480	15	the	the	DET
fsr-3296	480	16	attitude	attitude	NOUN
fsr-3296	480	17	towards	towards	ADP
fsr-3296	480	18	borrowing	borrowing	NOUN
fsr-3296	480	19	and	and	CCONJ
fsr-3296	480	20	the	the	DET
fsr-3296	480	21	intention	intention	NOUN
fsr-3296	480	22	to	to	PART
fsr-3296	480	23	borrow	borrow	VERB
fsr-3296	480	24	is	be	AUX
fsr-3296	480	25	intuitive	intuitive	ADJ
fsr-3296	480	26	,	,	PUNCT
fsr-3296	480	27	it	it	PRON
fsr-3296	480	28	is	be	AUX
fsr-3296	480	29	meaningfully	meaningfully	ADV
fsr-3296	480	30	impacted	impact	VERB
fsr-3296	480	31	by	by	ADP
fsr-3296	480	32	one	one	PRON
fsr-3296	480	33	’s	’s	PART
fsr-3296	480	34	need	need	NOUN
fsr-3296	480	35	for	for	ADP
fsr-3296	480	36	material	material	ADJ
fsr-3296	480	37	resources	resource	NOUN
fsr-3296	480	38	.	.	PUNCT
fsr-3296	481	1	in	in	ADP
fsr-3296	481	2	panels	panel	NOUN
fsr-3296	481	3	a	a	DET
fsr-3296	481	4	,	,	PUNCT
fsr-3296	481	5	b	b	NOUN
fsr-3296	481	6	,	,	PUNCT
fsr-3296	481	7	and	and	CCONJ
fsr-3296	481	8	c	c	X
fsr-3296	481	9	,	,	PUNCT
fsr-3296	481	10	when	when	SCONJ
fsr-3296	481	11	the	the	DET
fsr-3296	481	12	need	need	NOUN
fsr-3296	481	13	for	for	ADP
fsr-3296	481	14	material	material	ADJ
fsr-3296	481	15	resources	resource	NOUN
fsr-3296	481	16	is	be	AUX
fsr-3296	481	17	low	low	ADJ
fsr-3296	481	18	,	,	PUNCT
fsr-3296	481	19	the	the	DET
fsr-3296	481	20	attitude	attitude	NOUN
fsr-3296	481	21	towards	towards	ADP
fsr-3296	481	22	borrowing	borrowing	NOUN
fsr-3296	481	23	seems	seem	VERB
fsr-3296	481	24	to	to	PART
fsr-3296	481	25	have	have	VERB
fsr-3296	481	26	insignificant	insignificant	ADJ
fsr-3296	481	27	role	role	NOUN
fsr-3296	481	28	in	in	ADP
fsr-3296	481	29	determining	determine	VERB
fsr-3296	481	30	one	one	NUM
fsr-3296	481	31	’s	’s	PART
fsr-3296	481	32	intention	intention	NOUN
fsr-3296	481	33	to	to	PART
fsr-3296	481	34	borrow	borrow	VERB
fsr-3296	481	35	.	.	PUNCT
fsr-3296	482	1	in	in	ADP
fsr-3296	482	2	panels	panel	NOUN
fsr-3296	482	3	d	d	PROPN
fsr-3296	482	4	and	and	CCONJ
fsr-3296	482	5	e	e	NOUN
fsr-3296	482	6	,	,	PUNCT
fsr-3296	482	7	when	when	SCONJ
fsr-3296	482	8	the	the	DET
fsr-3296	482	9	need	need	NOUN
fsr-3296	482	10	for	for	ADP
fsr-3296	482	11	material	material	ADJ
fsr-3296	482	12	resources	resource	NOUN
fsr-3296	482	13	is	be	AUX
fsr-3296	482	14	low	low	ADJ
fsr-3296	482	15	the	the	DET
fsr-3296	482	16	attitude	attitude	NOUN
fsr-3296	482	17	towards	towards	ADP
fsr-3296	482	18	borrowing	borrowing	NOUN
fsr-3296	482	19	has	have	VERB
fsr-3296	482	20	a	a	DET
fsr-3296	482	21	weaker	weak	ADJ
fsr-3296	482	22	impact	impact	NOUN
fsr-3296	482	23	on	on	ADP
fsr-3296	482	24	the	the	DET
fsr-3296	482	25	intention	intention	NOUN
fsr-3296	482	26	to	to	PART
fsr-3296	482	27	borrow	borrow	VERB
fsr-3296	482	28	.	.	PUNCT
fsr-3296	483	1	in	in	ADP
fsr-3296	483	2	contrast	contrast	NOUN
fsr-3296	483	3	,	,	PUNCT
fsr-3296	483	4	when	when	SCONJ
fsr-3296	483	5	the	the	DET
fsr-3296	483	6	need	need	NOUN
fsr-3296	483	7	for	for	ADP
fsr-3296	483	8	material	material	ADJ
fsr-3296	483	9	resources	resource	NOUN
fsr-3296	483	10	is	be	AUX
fsr-3296	483	11	higher	high	ADJ
fsr-3296	483	12	,	,	PUNCT
fsr-3296	483	13	a	a	DET
fsr-3296	483	14	more	more	ADV
fsr-3296	483	15	favorable	favorable	ADJ
fsr-3296	483	16	attitude	attitude	NOUN
fsr-3296	483	17	towards	towards	ADP
fsr-3296	483	18	borrowing	borrowing	NOUN
fsr-3296	483	19	significantly	significantly	ADV
fsr-3296	483	20	intensifies	intensify	VERB
fsr-3296	483	21	one	one	NUM
fsr-3296	483	22	’s	’s	PART
fsr-3296	483	23	intention	intention	NOUN
fsr-3296	483	24	to	to	PART
fsr-3296	483	25	borrow	borrow	VERB
fsr-3296	483	26	.	.	PUNCT
fsr-3296	484	1	the	the	DET
fsr-3296	484	2	results	result	NOUN
fsr-3296	484	3	in	in	ADP
fsr-3296	484	4	figure	figure	NOUN
fsr-3296	484	5	2	2	NUM
fsr-3296	484	6	provide	provide	VERB
fsr-3296	484	7	support	support	NOUN
fsr-3296	484	8	of	of	ADP
fsr-3296	484	9	the	the	DET
fsr-3296	484	10	hypothesis	hypothesis	NOUN
fsr-3296	484	11	regarding	regard	VERB
fsr-3296	484	12	the	the	DET
fsr-3296	484	13	moderating	moderate	VERB
fsr-3296	484	14	role	role	NOUN
fsr-3296	484	15	of	of	ADP
fsr-3296	484	16	the	the	DET
fsr-3296	484	17	need	need	NOUN
fsr-3296	484	18	for	for	ADP
fsr-3296	484	19	arousal	arousal	NOUN
fsr-3296	484	20	in	in	ADP
fsr-3296	484	21	the	the	DET
fsr-3296	484	22	relationship	relationship	NOUN
fsr-3296	484	23	between	between	ADP
fsr-3296	484	24	attitude	attitude	NOUN
fsr-3296	484	25	towards	towards	ADP
fsr-3296	484	26	borrowing	borrowing	NOUN
fsr-3296	484	27	and	and	CCONJ
fsr-3296	484	28	specific	specific	ADJ
fsr-3296	484	29	borrowing	borrowing	NOUN
fsr-3296	484	30	intentions	intention	NOUN
fsr-3296	484	31	.	.	PUNCT
fsr-3296	485	1	the	the	DET
fsr-3296	485	2	plots	plot	NOUN
fsr-3296	485	3	in	in	ADP
fsr-3296	485	4	panel	panel	NOUN
fsr-3296	485	5	a	a	PRON
fsr-3296	485	6	indicate	indicate	VERB
fsr-3296	485	7	that	that	SCONJ
fsr-3296	485	8	at	at	ADP
fsr-3296	485	9	lower	low	ADJ
fsr-3296	485	10	levels	level	NOUN
fsr-3296	485	11	of	of	ADP
fsr-3296	485	12	the	the	DET
fsr-3296	485	13	need	need	NOUN
fsr-3296	485	14	for	for	ADP
fsr-3296	485	15	arousal	arousal	NOUN
fsr-3296	485	16	(	(	PUNCT
fsr-3296	485	17	i.e.	i.e.	X
fsr-3296	485	18	,	,	PUNCT
fsr-3296	485	19	those	those	DET
fsr-3296	485	20	individuals	individual	NOUN
fsr-3296	485	21	who	who	PRON
fsr-3296	485	22	score	score	VERB
fsr-3296	485	23	low	low	ADV
fsr-3296	485	24	on	on	ADP
fsr-3296	485	25	this	this	DET
fsr-3296	485	26	trait	trait	NOUN
fsr-3296	485	27	)	)	PUNCT
fsr-3296	485	28	,	,	PUNCT
fsr-3296	485	29	the	the	DET
fsr-3296	485	30	intention	intention	NOUN
fsr-3296	485	31	to	to	PART
fsr-3296	485	32	obtain	obtain	VERB
fsr-3296	485	33	a	a	DET
fsr-3296	485	34	home	home	NOUN
fsr-3296	485	35	improve74	improve74	ADJ
fsr-3296	485	36	a.	a.	NOUN
fsr-3296	485	37	yazdanparast	yazdanparast	PROPN
fsr-3296	485	38	,	,	PUNCT
fsr-3296	485	39	y.	y.	PROPN
fsr-3296	485	40	alhenawi	alhenawi	PROPN
fsr-3296	485	41	/	/	SYM
fsr-3296	485	42	financial	financial	ADJ
fsr-3296	485	43	services	service	NOUN
fsr-3296	485	44	review	review	VERB
fsr-3296	485	45	26	26	NUM
fsr-3296	485	46	(	(	PUNCT
fsr-3296	485	47	2017	2017	NUM
fsr-3296	485	48	)	)	PUNCT
fsr-3296	485	49	55–85	55–85	NUM
fsr-3296	485	50	ment	ment	NOUN
fsr-3296	485	51	loan	loan	NOUN
fsr-3296	485	52	does	do	AUX
fsr-3296	485	53	not	not	PART
fsr-3296	485	54	significantly	significantly	ADV
fsr-3296	485	55	change	change	VERB
fsr-3296	485	56	at	at	ADP
fsr-3296	485	57	different	different	ADJ
fsr-3296	485	58	levels	level	NOUN
fsr-3296	485	59	of	of	ADP
fsr-3296	485	60	attitudes	attitude	NOUN
fsr-3296	485	61	towards	towards	ADP
fsr-3296	485	62	borrowing	borrowing	NOUN
fsr-3296	485	63	.	.	PUNCT
fsr-3296	486	1	more	more	ADV
fsr-3296	486	2	specifically	specifically	ADV
fsr-3296	486	3	,	,	PUNCT
fsr-3296	486	4	when	when	SCONJ
fsr-3296	486	5	need	need	NOUN
fsr-3296	486	6	for	for	ADP
fsr-3296	486	7	arousal	arousal	NOUN
fsr-3296	486	8	is	be	AUX
fsr-3296	486	9	low	low	ADJ
fsr-3296	486	10	,	,	PUNCT
fsr-3296	486	11	home	home	NOUN
fsr-3296	486	12	improvement	improvement	NOUN
fsr-3296	486	13	loan	loan	NOUN
fsr-3296	486	14	intention	intention	NOUN
fsr-3296	486	15	for	for	ADP
fsr-3296	486	16	those	those	PRON
fsr-3296	486	17	who	who	PRON
fsr-3296	486	18	have	have	VERB
fsr-3296	486	19	a	a	DET
fsr-3296	486	20	more	more	ADV
fsr-3296	486	21	favorable	favorable	ADJ
fsr-3296	486	22	attitude	attitude	NOUN
fsr-3296	486	23	towards	towards	ADP
fsr-3296	486	24	borrowing	borrowing	NOUN
fsr-3296	486	25	is	be	AUX
fsr-3296	486	26	1.62	1.62	NUM
fsr-3296	486	27	,	,	PUNCT
fsr-3296	486	28	and	and	CCONJ
fsr-3296	486	29	the	the	DET
fsr-3296	486	30	corresponding	corresponding	ADJ
fsr-3296	486	31	score	score	NOUN
fsr-3296	486	32	for	for	ADP
fsr-3296	486	33	those	those	PRON
fsr-3296	486	34	who	who	PRON
fsr-3296	486	35	have	have	VERB
fsr-3296	486	36	a	a	DET
fsr-3296	486	37	less	less	ADV
fsr-3296	486	38	favorable	favorable	ADJ
fsr-3296	486	39	attitude	attitude	NOUN
fsr-3296	486	40	towards	towards	ADP
fsr-3296	486	41	borrowing	borrowing	NOUN
fsr-3296	486	42	is	be	AUX
fsr-3296	486	43	1.36	1.36	NUM
fsr-3296	486	44	.	.	PUNCT
fsr-3296	487	1	the	the	DET
fsr-3296	487	2	difference	difference	NOUN
fsr-3296	487	3	,	,	PUNCT
fsr-3296	487	4	0.26	0.26	NUM
fsr-3296	487	5	,	,	PUNCT
fsr-3296	487	6	is	be	AUX
fsr-3296	487	7	small	small	ADJ
fsr-3296	487	8	and	and	CCONJ
fsr-3296	487	9	insignificant	insignificant	ADJ
fsr-3296	487	10	(	(	PUNCT
fsr-3296	487	11	p	p	X
fsr-3296	487	12	�	�	PROPN
fsr-3296	487	13	0.220	0.220	NUM
fsr-3296	487	14	)	)	PUNCT
fsr-3296	487	15	.	.	PUNCT
fsr-3296	488	1	in	in	ADP
fsr-3296	488	2	contrast	contrast	NOUN
fsr-3296	488	3	,	,	PUNCT
fsr-3296	488	4	when	when	SCONJ
fsr-3296	488	5	the	the	DET
fsr-3296	488	6	need	need	NOUN
fsr-3296	488	7	for	for	ADP
fsr-3296	488	8	arousal	arousal	NOUN
fsr-3296	488	9	is	be	AUX
fsr-3296	488	10	higher	high	ADJ
fsr-3296	488	11	,	,	PUNCT
fsr-3296	488	12	the	the	DET
fsr-3296	488	13	average	average	ADJ
fsr-3296	488	14	score	score	NOUN
fsr-3296	488	15	on	on	ADP
fsr-3296	488	16	the	the	DET
fsr-3296	488	17	intention	intention	NOUN
fsr-3296	488	18	for	for	ADP
fsr-3296	488	19	home	home	NOUN
fsr-3296	488	20	improvement	improvement	NOUN
fsr-3296	488	21	loan	loan	NOUN
fsr-3296	488	22	for	for	ADP
fsr-3296	488	23	those	those	PRON
fsr-3296	488	24	who	who	PRON
fsr-3296	488	25	have	have	VERB
fsr-3296	488	26	a	a	DET
fsr-3296	488	27	more	more	ADV
fsr-3296	488	28	favorable	favorable	ADJ
fsr-3296	488	29	attitude	attitude	NOUN
fsr-3296	488	30	towards	towards	ADP
fsr-3296	488	31	borrowing	borrowing	NOUN
fsr-3296	488	32	is	be	AUX
fsr-3296	488	33	2.49	2.49	NUM
fsr-3296	488	34	which	which	PRON
fsr-3296	488	35	is	be	AUX
fsr-3296	488	36	1.21	1.21	NUM
fsr-3296	488	37	points	point	NOUN
fsr-3296	488	38	higher	high	ADJ
fsr-3296	488	39	than	than	ADP
fsr-3296	488	40	the	the	DET
fsr-3296	488	41	average	average	ADJ
fsr-3296	488	42	score	score	NOUN
fsr-3296	488	43	for	for	ADP
fsr-3296	488	44	those	those	PRON
fsr-3296	488	45	who	who	PRON
fsr-3296	488	46	have	have	VERB
fsr-3296	488	47	a	a	DET
fsr-3296	488	48	less	less	ADV
fsr-3296	488	49	favorable	favorable	ADJ
fsr-3296	488	50	attitude	attitude	NOUN
fsr-3296	488	51	(	(	PUNCT
fsr-3296	488	52	m	m	NOUN
fsr-3296	488	53	�	�	PROPN
fsr-3296	488	54	1.28	1.28	NUM
fsr-3296	488	55	)	)	PUNCT
fsr-3296	488	56	.	.	PUNCT
fsr-3296	489	1	the	the	DET
fsr-3296	489	2	difference	difference	NOUN
fsr-3296	489	3	is	be	AUX
fsr-3296	489	4	statistically	statistically	ADV
fsr-3296	489	5	significant	significant	ADJ
fsr-3296	489	6	at	at	ADP
fsr-3296	489	7	the	the	DET
fsr-3296	489	8	1	1	NUM
fsr-3296	489	9	%	%	NOUN
fsr-3296	489	10	level	level	NOUN
fsr-3296	489	11	(	(	PUNCT
fsr-3296	489	12	p	p	PROPN
fsr-3296	489	13	�	�	PROPN
fsr-3296	489	14	0.001	0.001	NUM
fsr-3296	489	15	)	)	PUNCT
fsr-3296	489	16	.	.	PUNCT
fsr-3296	490	1	we	we	PRON
fsr-3296	490	2	conclude	conclude	VERB
fsr-3296	490	3	that	that	SCONJ
fsr-3296	490	4	when	when	SCONJ
fsr-3296	490	5	the	the	DET
fsr-3296	490	6	need	need	NOUN
fsr-3296	490	7	for	for	ADP
fsr-3296	490	8	arousal	arousal	NOUN
fsr-3296	490	9	is	be	AUX
fsr-3296	490	10	high	high	ADJ
fsr-3296	490	11	,	,	PUNCT
fsr-3296	490	12	the	the	DET
fsr-3296	490	13	attitude	attitude	NOUN
fsr-3296	490	14	towards	towards	ADP
fsr-3296	490	15	borrowing	borrowing	NOUN
fsr-3296	490	16	plays	play	VERB
fsr-3296	490	17	a	a	DET
fsr-3296	490	18	significant	significant	ADJ
fsr-3296	490	19	role	role	NOUN
fsr-3296	490	20	in	in	ADP
fsr-3296	490	21	enticing	entice	VERB
fsr-3296	490	22	one	one	NUM
fsr-3296	490	23	to	to	PART
fsr-3296	490	24	apply	apply	VERB
fsr-3296	490	25	for	for	ADP
fsr-3296	490	26	home	home	NOUN
fsr-3296	490	27	improvement	improvement	NOUN
fsr-3296	490	28	loan	loan	NOUN
fsr-3296	490	29	.	.	PUNCT
fsr-3296	491	1	when	when	SCONJ
fsr-3296	491	2	the	the	DET
fsr-3296	491	3	need	need	NOUN
fsr-3296	491	4	for	for	ADP
fsr-3296	491	5	arousal	arousal	NOUN
fsr-3296	491	6	is	be	AUX
fsr-3296	491	7	low	low	ADJ
fsr-3296	491	8	,	,	PUNCT
fsr-3296	491	9	the	the	DET
fsr-3296	491	10	attitude	attitude	NOUN
fsr-3296	491	11	towards	towards	ADP
fsr-3296	491	12	borrowing	borrowing	NOUN
fsr-3296	491	13	does	do	AUX
fsr-3296	491	14	not	not	PART
fsr-3296	491	15	impact	impact	VERB
fsr-3296	491	16	the	the	DET
fsr-3296	491	17	intention	intention	NOUN
fsr-3296	491	18	to	to	PART
fsr-3296	491	19	take	take	VERB
fsr-3296	491	20	a	a	DET
fsr-3296	491	21	home	home	NOUN
fsr-3296	491	22	improvement	improvement	NOUN
fsr-3296	491	23	loan	loan	NOUN
fsr-3296	491	24	.	.	PUNCT
fsr-3296	492	1	the	the	DET
fsr-3296	492	2	same	same	ADJ
fsr-3296	492	3	observations	observation	NOUN
fsr-3296	492	4	extend	extend	VERB
fsr-3296	492	5	to	to	ADP
fsr-3296	492	6	panels	panel	NOUN
fsr-3296	492	7	b	b	PROPN
fsr-3296	492	8	and	and	CCONJ
fsr-3296	492	9	c	c	NOUN
fsr-3296	492	10	;	;	PUNCT
fsr-3296	492	11	that	that	PRON
fsr-3296	492	12	is	is	ADV
fsr-3296	492	13	,	,	PUNCT
fsr-3296	492	14	when	when	SCONJ
fsr-3296	492	15	the	the	DET
fsr-3296	492	16	need	need	NOUN
fsr-3296	492	17	for	for	ADP
fsr-3296	492	18	arousal	arousal	NOUN
fsr-3296	492	19	is	be	AUX
fsr-3296	492	20	low	low	ADJ
fsr-3296	492	21	,	,	PUNCT
fsr-3296	492	22	the	the	DET
fsr-3296	492	23	average	average	ADJ
fsr-3296	492	24	score	score	NOUN
fsr-3296	492	25	on	on	ADP
fsr-3296	492	26	the	the	DET
fsr-3296	492	27	intention	intention	NOUN
fsr-3296	492	28	to	to	PART
fsr-3296	492	29	draw	draw	VERB
fsr-3296	492	30	a	a	DET
fsr-3296	492	31	business	business	NOUN
fsr-3296	492	32	loan	loan	NOUN
fsr-3296	492	33	(	(	PUNCT
fsr-3296	492	34	panel	panel	NOUN
fsr-3296	492	35	b	b	NOUN
fsr-3296	492	36	)	)	PUNCT
fsr-3296	492	37	or	or	CCONJ
fsr-3296	492	38	to	to	PART
fsr-3296	492	39	take	take	VERB
fsr-3296	492	40	a	a	DET
fsr-3296	492	41	payday	payday	NOUN
fsr-3296	492	42	loan	loan	NOUN
fsr-3296	492	43	(	(	PUNCT
fsr-3296	492	44	panel	panel	NOUN
fsr-3296	492	45	c	c	NOUN
fsr-3296	492	46	)	)	PUNCT
fsr-3296	492	47	does	do	AUX
fsr-3296	492	48	not	not	PART
fsr-3296	492	49	improve	improve	VERB
fsr-3296	492	50	significantly	significantly	ADV
fsr-3296	492	51	when	when	SCONJ
fsr-3296	492	52	the	the	DET
fsr-3296	492	53	attitude	attitude	NOUN
fsr-3296	492	54	towards	towards	ADP
fsr-3296	492	55	borrowing	borrowing	NOUN
fsr-3296	492	56	is	be	AUX
fsr-3296	492	57	more	more	ADV
fsr-3296	492	58	favorable	favorable	ADJ
fsr-3296	492	59	.	.	PUNCT
fsr-3296	493	1	in	in	ADP
fsr-3296	493	2	contrast	contrast	NOUN
fsr-3296	493	3	,	,	PUNCT
fsr-3296	493	4	when	when	SCONJ
fsr-3296	493	5	the	the	DET
fsr-3296	493	6	need	need	NOUN
fsr-3296	493	7	for	for	ADP
fsr-3296	493	8	arousal	arousal	NOUN
fsr-3296	493	9	is	be	AUX
fsr-3296	493	10	greater	great	ADJ
fsr-3296	493	11	,	,	PUNCT
fsr-3296	493	12	the	the	DET
fsr-3296	493	13	average	average	ADJ
fsr-3296	493	14	score	score	NOUN
fsr-3296	493	15	on	on	ADP
fsr-3296	493	16	the	the	DET
fsr-3296	493	17	intention	intention	NOUN
fsr-3296	493	18	to	to	PART
fsr-3296	493	19	draw	draw	VERB
fsr-3296	493	20	a	a	DET
fsr-3296	493	21	business	business	NOUN
fsr-3296	493	22	loan	loan	NOUN
fsr-3296	493	23	(	(	PUNCT
fsr-3296	493	24	panel	panel	NOUN
fsr-3296	493	25	b	b	NOUN
fsr-3296	493	26	)	)	PUNCT
fsr-3296	493	27	or	or	CCONJ
fsr-3296	493	28	to	to	PART
fsr-3296	493	29	take	take	VERB
fsr-3296	493	30	a	a	DET
fsr-3296	493	31	payday	payday	NOUN
fsr-3296	493	32	loan	loan	NOUN
fsr-3296	493	33	(	(	PUNCT
fsr-3296	493	34	panel	panel	NOUN
fsr-3296	493	35	c	c	NOUN
fsr-3296	493	36	)	)	PUNCT
fsr-3296	493	37	is	be	AUX
fsr-3296	493	38	systematically	systematically	ADV
fsr-3296	493	39	higher	high	ADJ
fsr-3296	493	40	for	for	ADP
fsr-3296	493	41	those	those	PRON
fsr-3296	493	42	who	who	PRON
fsr-3296	493	43	demonstrate	demonstrate	VERB
fsr-3296	493	44	a	a	DET
fsr-3296	493	45	more	more	ADV
fsr-3296	493	46	favorable	favorable	ADJ
fsr-3296	493	47	attitude	attitude	NOUN
fsr-3296	493	48	towards	towards	ADP
fsr-3296	493	49	borrowing	borrowing	NOUN
fsr-3296	493	50	.	.	PUNCT
fsr-3296	494	1	the	the	DET
fsr-3296	494	2	observations	observation	NOUN
fsr-3296	494	3	also	also	ADV
fsr-3296	494	4	extend	extend	VERB
fsr-3296	494	5	to	to	ADP
fsr-3296	494	6	panel	panel	NOUN
fsr-3296	494	7	d	d	NOUN
fsr-3296	494	8	but	but	CCONJ
fsr-3296	494	9	with	with	ADP
fsr-3296	494	10	a	a	DET
fsr-3296	494	11	remarkably	remarkably	ADV
fsr-3296	494	12	lower	low	ADJ
fsr-3296	494	13	significance	significance	NOUN
fsr-3296	494	14	.	.	PUNCT
fsr-3296	495	1	we	we	PRON
fsr-3296	495	2	still	still	ADV
fsr-3296	495	3	observe	observe	VERB
fsr-3296	495	4	a	a	DET
fsr-3296	495	5	non	non	ADJ
fsr-3296	495	6	-	-	ADJ
fsr-3296	495	7	significant	significant	ADJ
fsr-3296	495	8	impact	impact	NOUN
fsr-3296	495	9	of	of	ADP
fsr-3296	495	10	attitude	attitude	NOUN
fsr-3296	495	11	on	on	ADP
fsr-3296	495	12	the	the	DET
fsr-3296	495	13	intention	intention	NOUN
fsr-3296	495	14	to	to	PART
fsr-3296	495	15	take	take	VERB
fsr-3296	495	16	a	a	DET
fsr-3296	495	17	student	student	NOUN
fsr-3296	495	18	loan	loan	NOUN
fsr-3296	495	19	for	for	ADP
fsr-3296	495	20	those	those	PRON
fsr-3296	495	21	who	who	PRON
fsr-3296	495	22	have	have	VERB
fsr-3296	495	23	a	a	DET
fsr-3296	495	24	lesser	less	ADJ
fsr-3296	495	25	need	need	NOUN
fsr-3296	495	26	for	for	ADP
fsr-3296	495	27	arousal	arousal	NOUN
fsr-3296	495	28	(	(	PUNCT
fsr-3296	495	29	the	the	DET
fsr-3296	495	30	difference	difference	NOUN
fsr-3296	495	31	is	be	AUX
fsr-3296	495	32	a	a	DET
fsr-3296	495	33	small	small	ADJ
fsr-3296	495	34	�	�	PROPN
fsr-3296	495	35	0.18	0.18	NUM
fsr-3296	495	36	points	point	NOUN
fsr-3296	495	37	and	and	CCONJ
fsr-3296	495	38	is	be	AUX
fsr-3296	495	39	statistically	statistically	ADV
fsr-3296	495	40	insignificant	insignificant	ADJ
fsr-3296	495	41	form	form	NOUN
fsr-3296	495	42	zero	zero	NUM
fsr-3296	495	43	)	)	PUNCT
fsr-3296	495	44	.	.	PUNCT
fsr-3296	496	1	when	when	SCONJ
fsr-3296	496	2	the	the	DET
fsr-3296	496	3	need	need	NOUN
fsr-3296	496	4	for	for	ADP
fsr-3296	496	5	arousal	arousal	NOUN
fsr-3296	496	6	is	be	AUX
fsr-3296	496	7	greater	great	ADJ
fsr-3296	496	8	,	,	PUNCT
fsr-3296	496	9	there	there	PRON
fsr-3296	496	10	is	be	VERB
fsr-3296	496	11	a	a	DET
fsr-3296	496	12	more	more	ADV
fsr-3296	496	13	positive	positive	ADJ
fsr-3296	496	14	impact	impact	NOUN
fsr-3296	496	15	of	of	ADP
fsr-3296	496	16	attitude	attitude	NOUN
fsr-3296	496	17	on	on	ADP
fsr-3296	496	18	the	the	DET
fsr-3296	496	19	intention	intention	NOUN
fsr-3296	496	20	to	to	PART
fsr-3296	496	21	take	take	VERB
fsr-3296	496	22	a	a	DET
fsr-3296	496	23	student	student	NOUN
fsr-3296	496	24	loan	loan	NOUN
fsr-3296	496	25	.	.	PUNCT
fsr-3296	497	1	the	the	DET
fsr-3296	497	2	difference	difference	NOUN
fsr-3296	497	3	is	be	AUX
fsr-3296	497	4	a	a	DET
fsr-3296	497	5	reasonable	reasonable	ADJ
fsr-3296	497	6	0.54	0.54	NUM
fsr-3296	497	7	point	point	NOUN
fsr-3296	497	8	and	and	CCONJ
fsr-3296	497	9	is	be	AUX
fsr-3296	497	10	statistically	statistically	ADV
fsr-3296	497	11	significant	significant	ADJ
fsr-3296	497	12	at	at	ADP
fsr-3296	497	13	10	10	NUM
fsr-3296	497	14	%	%	NOUN
fsr-3296	497	15	only	only	ADV
fsr-3296	497	16	(	(	PUNCT
fsr-3296	497	17	p	p	X
fsr-3296	497	18	-	-	PUNCT
fsr-3296	497	19	value	value	NOUN
fsr-3296	497	20	is	be	AUX
fsr-3296	497	21	0.066	0.066	NUM
fsr-3296	497	22	)	)	PUNCT
fsr-3296	497	23	.	.	PUNCT
fsr-3296	498	1	finally	finally	ADV
fsr-3296	498	2	,	,	PUNCT
fsr-3296	498	3	the	the	DET
fsr-3296	498	4	plots	plot	NOUN
fsr-3296	498	5	in	in	ADP
fsr-3296	498	6	panel	panel	NOUN
fsr-3296	498	7	e	e	NOUN
fsr-3296	498	8	show	show	VERB
fsr-3296	498	9	that	that	SCONJ
fsr-3296	498	10	the	the	DET
fsr-3296	498	11	need	need	NOUN
fsr-3296	498	12	for	for	ADP
fsr-3296	498	13	arousal	arousal	ADJ
fsr-3296	498	14	impacts	impact	NOUN
fsr-3296	498	15	how	how	SCONJ
fsr-3296	498	16	the	the	DET
fsr-3296	498	17	attitude	attitude	NOUN
fsr-3296	498	18	towards	towards	ADP
fsr-3296	498	19	borrowing	borrow	VERB
fsr-3296	498	20	translate	translate	NOUN
fsr-3296	498	21	into	into	ADP
fsr-3296	498	22	intentions	intention	NOUN
fsr-3296	498	23	to	to	PART
fsr-3296	498	24	obtain	obtain	VERB
fsr-3296	498	25	a	a	DET
fsr-3296	498	26	personal	personal	ADJ
fsr-3296	498	27	loan	loan	NOUN
fsr-3296	498	28	.	.	PUNCT
fsr-3296	499	1	the	the	DET
fsr-3296	499	2	plots	plot	NOUN
fsr-3296	499	3	show	show	VERB
fsr-3296	499	4	that	that	SCONJ
fsr-3296	499	5	a	a	DET
fsr-3296	499	6	more	more	ADV
fsr-3296	499	7	favorable	favorable	ADJ
fsr-3296	499	8	attitude	attitude	NOUN
fsr-3296	499	9	towards	towards	ADP
fsr-3296	499	10	borrowing	borrowing	NOUN
fsr-3296	499	11	leads	lead	VERB
fsr-3296	499	12	to	to	ADP
fsr-3296	499	13	a	a	DET
fsr-3296	499	14	stronger	strong	ADJ
fsr-3296	499	15	intention	intention	NOUN
fsr-3296	499	16	for	for	ADP
fsr-3296	499	17	personal	personal	ADJ
fsr-3296	499	18	loans	loan	NOUN
fsr-3296	499	19	but	but	CCONJ
fsr-3296	499	20	the	the	DET
fsr-3296	499	21	relationship	relationship	NOUN
fsr-3296	499	22	is	be	AUX
fsr-3296	499	23	much	much	ADV
fsr-3296	499	24	stronger	strong	ADJ
fsr-3296	499	25	when	when	SCONJ
fsr-3296	499	26	the	the	DET
fsr-3296	499	27	need	need	NOUN
fsr-3296	499	28	for	for	ADP
fsr-3296	499	29	arousal	arousal	NOUN
fsr-3296	499	30	is	be	AUX
fsr-3296	499	31	greater	great	ADJ
fsr-3296	499	32	.	.	PUNCT
fsr-3296	500	1	overall	overall	ADV
fsr-3296	500	2	,	,	PUNCT
fsr-3296	500	3	the	the	DET
fsr-3296	500	4	findings	finding	NOUN
fsr-3296	500	5	in	in	ADP
fsr-3296	500	6	figure	figure	NOUN
fsr-3296	500	7	2	2	NUM
fsr-3296	500	8	support	support	NOUN
fsr-3296	500	9	hypothesis	hypothesis	NOUN
fsr-3296	500	10	3b	3b	NOUN
fsr-3296	500	11	.	.	PUNCT
fsr-3296	501	1	they	they	PRON
fsr-3296	501	2	indicate	indicate	VERB
fsr-3296	501	3	that	that	SCONJ
fsr-3296	501	4	the	the	DET
fsr-3296	501	5	relationship	relationship	NOUN
fsr-3296	501	6	between	between	ADP
fsr-3296	501	7	attitude	attitude	NOUN
fsr-3296	501	8	towards	towards	ADP
fsr-3296	501	9	borrowing	borrowing	NOUN
fsr-3296	501	10	and	and	CCONJ
fsr-3296	501	11	the	the	DET
fsr-3296	501	12	intention	intention	NOUN
fsr-3296	501	13	to	to	PART
fsr-3296	501	14	borrow	borrow	VERB
fsr-3296	501	15	extends	extend	VERB
fsr-3296	501	16	only	only	ADV
fsr-3296	501	17	to	to	ADP
fsr-3296	501	18	individuals	individual	NOUN
fsr-3296	501	19	with	with	ADP
fsr-3296	501	20	greater	great	ADJ
fsr-3296	501	21	need	need	NOUN
fsr-3296	501	22	for	for	ADP
fsr-3296	501	23	arousal	arousal	NOUN
fsr-3296	501	24	.	.	PUNCT
fsr-3296	502	1	in	in	ADP
fsr-3296	502	2	all	all	DET
fsr-3296	502	3	five	five	NUM
fsr-3296	502	4	panels	panel	NOUN
fsr-3296	502	5	,	,	PUNCT
fsr-3296	502	6	except	except	SCONJ
fsr-3296	502	7	panel	panel	NOUN
fsr-3296	502	8	e	e	NOUN
fsr-3296	502	9	,	,	PUNCT
fsr-3296	502	10	when	when	SCONJ
fsr-3296	502	11	the	the	DET
fsr-3296	502	12	need	need	NOUN
fsr-3296	502	13	for	for	ADP
fsr-3296	502	14	arousal	arousal	NOUN
fsr-3296	502	15	is	be	AUX
fsr-3296	502	16	low	low	ADJ
fsr-3296	502	17	,	,	PUNCT
fsr-3296	502	18	the	the	DET
fsr-3296	502	19	attitude	attitude	NOUN
fsr-3296	502	20	towards	towards	ADP
fsr-3296	502	21	borrowing	borrowing	NOUN
fsr-3296	502	22	exhibits	exhibit	VERB
fsr-3296	502	23	an	an	DET
fsr-3296	502	24	insignificant	insignificant	ADJ
fsr-3296	502	25	role	role	NOUN
fsr-3296	502	26	in	in	ADP
fsr-3296	502	27	one	one	NUM
fsr-3296	502	28	’s	’s	PART
fsr-3296	502	29	intention	intention	NOUN
fsr-3296	502	30	to	to	PART
fsr-3296	502	31	borrow	borrow	VERB
fsr-3296	502	32	.	.	PUNCT
fsr-3296	503	1	in	in	ADP
fsr-3296	503	2	panel	panel	NOUN
fsr-3296	503	3	e	e	NOUN
fsr-3296	503	4	,	,	PUNCT
fsr-3296	503	5	when	when	SCONJ
fsr-3296	503	6	the	the	DET
fsr-3296	503	7	need	need	NOUN
fsr-3296	503	8	for	for	ADP
fsr-3296	503	9	arousal	arousal	NOUN
fsr-3296	503	10	is	be	AUX
fsr-3296	503	11	low	low	ADJ
fsr-3296	503	12	,	,	PUNCT
fsr-3296	503	13	the	the	DET
fsr-3296	503	14	attitude	attitude	NOUN
fsr-3296	503	15	towards	towards	ADP
fsr-3296	503	16	borrowing	borrowing	NOUN
fsr-3296	503	17	exhibits	exhibit	VERB
fsr-3296	503	18	a	a	DET
fsr-3296	503	19	much	much	ADV
fsr-3296	503	20	weaker	weak	ADJ
fsr-3296	503	21	impact	impact	NOUN
fsr-3296	503	22	on	on	ADP
fsr-3296	503	23	one	one	NUM
fsr-3296	503	24	’s	’s	PART
fsr-3296	503	25	intention	intention	NOUN
fsr-3296	503	26	to	to	PART
fsr-3296	503	27	borrow	borrow	VERB
fsr-3296	503	28	.	.	PUNCT
fsr-3296	504	1	in	in	ADP
fsr-3296	504	2	contrast	contrast	NOUN
fsr-3296	504	3	,	,	PUNCT
fsr-3296	504	4	when	when	SCONJ
fsr-3296	504	5	the	the	DET
fsr-3296	504	6	need	need	NOUN
fsr-3296	504	7	for	for	ADP
fsr-3296	504	8	arousal	arousal	NOUN
fsr-3296	504	9	is	be	AUX
fsr-3296	504	10	greater	great	ADJ
fsr-3296	504	11	,	,	PUNCT
fsr-3296	504	12	the	the	DET
fsr-3296	504	13	attitude	attitude	NOUN
fsr-3296	504	14	towards	towards	ADP
fsr-3296	504	15	borrowing	borrowing	NOUN
fsr-3296	504	16	significantly	significantly	ADV
fsr-3296	504	17	strengthens	strengthen	VERB
fsr-3296	504	18	one	one	NUM
fsr-3296	504	19	’s	’s	PART
fsr-3296	504	20	intention	intention	NOUN
fsr-3296	504	21	to	to	PART
fsr-3296	504	22	borrow	borrow	VERB
fsr-3296	504	23	.	.	PUNCT
fsr-3296	505	1	3.5	3.5	NUM
fsr-3296	505	2	.	.	PUNCT
fsr-3296	505	3	regressions	regression	NOUN
fsr-3296	505	4	with	with	ADP
fsr-3296	505	5	interaction	interaction	NOUN
fsr-3296	505	6	terms	term	NOUN
fsr-3296	505	7	in	in	ADP
fsr-3296	505	8	this	this	DET
fsr-3296	505	9	section	section	NOUN
fsr-3296	505	10	,	,	PUNCT
fsr-3296	505	11	we	we	PRON
fsr-3296	505	12	focus	focus	VERB
fsr-3296	505	13	on	on	ADP
fsr-3296	505	14	the	the	DET
fsr-3296	505	15	interaction	interaction	NOUN
fsr-3296	505	16	effects	effect	NOUN
fsr-3296	505	17	between	between	ADP
fsr-3296	505	18	the	the	DET
fsr-3296	505	19	attitude	attitude	NOUN
fsr-3296	505	20	towards	towards	ADP
fsr-3296	505	21	borrowing	borrowing	NOUN
fsr-3296	505	22	,	,	PUNCT
fsr-3296	505	23	the	the	DET
fsr-3296	505	24	intention	intention	NOUN
fsr-3296	505	25	to	to	PART
fsr-3296	505	26	borrow	borrow	VERB
fsr-3296	505	27	,	,	PUNCT
fsr-3296	505	28	and	and	CCONJ
fsr-3296	505	29	personality	personality	NOUN
fsr-3296	505	30	traits	trait	NOUN
fsr-3296	505	31	.	.	PUNCT
fsr-3296	506	1	hypotheses	hypothesis	NOUN
fsr-3296	506	2	3a	3a	NUM
fsr-3296	506	3	and	and	CCONJ
fsr-3296	506	4	3b	3b	NUM
fsr-3296	506	5	postulate	postulate	NOUN
fsr-3296	506	6	that	that	SCONJ
fsr-3296	506	7	the	the	DET
fsr-3296	506	8	attitude	attitude	NOUN
fsr-3296	506	9	towards	towards	ADP
fsr-3296	506	10	borrowing	borrowing	NOUN
fsr-3296	506	11	might	might	AUX
fsr-3296	506	12	have	have	VERB
fsr-3296	506	13	a	a	DET
fsr-3296	506	14	different	different	ADJ
fsr-3296	506	15	effect	effect	NOUN
fsr-3296	506	16	on	on	ADP
fsr-3296	506	17	the	the	DET
fsr-3296	506	18	intention	intention	NOUN
fsr-3296	506	19	to	to	PART
fsr-3296	506	20	borrow	borrow	VERB
fsr-3296	506	21	for	for	ADP
fsr-3296	506	22	individuals	individual	NOUN
fsr-3296	506	23	with	with	ADP
fsr-3296	506	24	different	different	ADJ
fsr-3296	506	25	personalities	personality	NOUN
fsr-3296	506	26	.	.	PUNCT
fsr-3296	507	1	we	we	PRON
fsr-3296	507	2	test	test	VERB
fsr-3296	507	3	these	these	DET
fsr-3296	507	4	hypotheses	hypothesis	NOUN
fsr-3296	507	5	by	by	ADP
fsr-3296	507	6	estimating	estimate	VERB
fsr-3296	507	7	the	the	DET
fsr-3296	507	8	incre75a	incre75a	NOUN
fsr-3296	507	9	.	.	PUNCT
fsr-3296	508	1	yazdanparast	yazdanparast	NOUN
fsr-3296	508	2	,	,	PUNCT
fsr-3296	508	3	y.	y.	PROPN
fsr-3296	508	4	alhenawi	alhenawi	PROPN
fsr-3296	508	5	/	/	SYM
fsr-3296	508	6	financial	financial	ADJ
fsr-3296	508	7	services	service	NOUN
fsr-3296	508	8	review	review	VERB
fsr-3296	508	9	26	26	NUM
fsr-3296	508	10	(	(	PUNCT
fsr-3296	508	11	2017	2017	NUM
fsr-3296	508	12	)	)	PUNCT
fsr-3296	508	13	55–85	55–85	NUM
fsr-3296	508	14	mental	mental	ADJ
fsr-3296	508	15	effect	effect	NOUN
fsr-3296	508	16	of	of	ADP
fsr-3296	508	17	personality	personality	NOUN
fsr-3296	508	18	on	on	ADP
fsr-3296	508	19	the	the	DET
fsr-3296	508	20	relationship	relationship	NOUN
fsr-3296	508	21	between	between	ADP
fsr-3296	508	22	the	the	DET
fsr-3296	508	23	attitude	attitude	NOUN
fsr-3296	508	24	towards	towards	ADP
fsr-3296	508	25	borrowing	borrowing	NOUN
fsr-3296	508	26	and	and	CCONJ
fsr-3296	508	27	the	the	DET
fsr-3296	508	28	intention	intention	NOUN
fsr-3296	508	29	to	to	PART
fsr-3296	508	30	borrow	borrow	VERB
fsr-3296	508	31	.	.	PUNCT
fsr-3296	509	1	empirically	empirically	ADV
fsr-3296	509	2	,	,	PUNCT
fsr-3296	509	3	we	we	PRON
fsr-3296	509	4	estimate	estimate	VERB
fsr-3296	509	5	the	the	DET
fsr-3296	509	6	following	follow	VERB
fsr-3296	509	7	regression	regression	NOUN
fsr-3296	509	8	models	model	NOUN
fsr-3296	509	9	borrintn	borrintn	VERB
fsr-3296	509	10	�	�	PROPN
fsr-3296	509	11	c	c	PROPN
fsr-3296	509	12	�	�	PROPN
fsr-3296	509	13	�	�	PROPN
fsr-3296	510	1	1matr	1matr	PROPN
fsr-3296	510	2	�	�	PROPN
fsr-3296	510	3	�	�	PROPN
fsr-3296	510	4	2attborrow	2attborrow	NUM
fsr-3296	510	5	�	�	PROPN
fsr-3296	510	6	�	�	PROPN
fsr-3296	510	7	3	3	NUM
fsr-3296	510	8	�	�	PROPN
fsr-3296	510	9	matr	matr	ADJ
fsr-3296	510	10	�	�	PROPN
fsr-3296	510	11	attborrow	attborrow	NOUN
fsr-3296	510	12	�	�	PROPN
fsr-3296	510	13	(	(	PUNCT
fsr-3296	510	14	1	1	NUM
fsr-3296	510	15	)	)	PUNCT
fsr-3296	510	16	borrintn	borrintn	NOUN
fsr-3296	510	17	�	�	PROPN
fsr-3296	510	18	c	c	PROPN
fsr-3296	510	19	�	�	PROPN
fsr-3296	510	20	�	�	PROPN
fsr-3296	510	21	1arous	1arous	PROPN
fsr-3296	510	22	�	�	PROPN
fsr-3296	510	23	�	�	PROPN
fsr-3296	510	24	2attborrow	2attborrow	NUM
fsr-3296	510	25	�	�	PROPN
fsr-3296	510	26	�	�	PROPN
fsr-3296	510	27	3	3	NUM
fsr-3296	510	28	�	�	PROPN
fsr-3296	510	29	arous	arous	ADJ
fsr-3296	510	30	�	�	PROPN
fsr-3296	510	31	attborrow	attborrow	NOUN
fsr-3296	510	32	�	�	PROPN
fsr-3296	510	33	(	(	PUNCT
fsr-3296	510	34	2	2	NUM
fsr-3296	510	35	)	)	PUNCT
fsr-3296	510	36	the	the	DET
fsr-3296	510	37	first	first	ADJ
fsr-3296	510	38	model	model	NOUN
fsr-3296	510	39	includes	include	VERB
fsr-3296	510	40	the	the	DET
fsr-3296	510	41	need	need	NOUN
fsr-3296	510	42	for	for	ADP
fsr-3296	510	43	material	material	ADJ
fsr-3296	510	44	resources	resource	NOUN
fsr-3296	510	45	score	score	NOUN
fsr-3296	510	46	(	(	PUNCT
fsr-3296	510	47	matr	matr	NOUN
fsr-3296	510	48	)	)	PUNCT
fsr-3296	510	49	,	,	PUNCT
fsr-3296	510	50	the	the	DET
fsr-3296	510	51	attitude	attitude	NOUN
fsr-3296	510	52	towards	towards	ADP
fsr-3296	510	53	borrowing	borrowing	NOUN
fsr-3296	510	54	(	(	PUNCT
fsr-3296	510	55	attborrow	attborrow	NOUN
fsr-3296	510	56	)	)	PUNCT
fsr-3296	510	57	,	,	PUNCT
fsr-3296	510	58	and	and	CCONJ
fsr-3296	510	59	an	an	DET
fsr-3296	510	60	interaction	interaction	NOUN
fsr-3296	510	61	between	between	ADP
fsr-3296	510	62	the	the	DET
fsr-3296	510	63	two	two	NUM
fsr-3296	510	64	(	(	PUNCT
fsr-3296	510	65	matr	matr	ADJ
fsr-3296	510	66	�	�	PROPN
fsr-3296	510	67	attborrow	attborrow	NOUN
fsr-3296	510	68	)	)	PUNCT
fsr-3296	510	69	.	.	PUNCT
fsr-3296	511	1	the	the	DET
fsr-3296	511	2	dependent	dependent	ADJ
fsr-3296	511	3	variable	variable	NOUN
fsr-3296	511	4	is	be	AUX
fsr-3296	511	5	the	the	DET
fsr-3296	511	6	intention	intention	NOUN
fsr-3296	511	7	to	to	PART
fsr-3296	511	8	borrow	borrow	VERB
fsr-3296	511	9	(	(	PUNCT
fsr-3296	511	10	borrintn	borrintn	NOUN
fsr-3296	511	11	)	)	PUNCT
fsr-3296	511	12	.	.	PUNCT
fsr-3296	512	1	the	the	DET
fsr-3296	512	2	null	null	ADJ
fsr-3296	512	3	hypothesis	hypothesis	NOUN
fsr-3296	512	4	,	,	PUNCT
fsr-3296	512	5	therefore	therefore	ADV
fsr-3296	512	6	,	,	PUNCT
fsr-3296	512	7	is	be	AUX
fsr-3296	512	8	that	that	SCONJ
fsr-3296	512	9	the	the	DET
fsr-3296	512	10	change	change	NOUN
fsr-3296	512	11	in	in	ADP
fsr-3296	512	12	the	the	DET
fsr-3296	512	13	intention	intention	NOUN
fsr-3296	512	14	to	to	PART
fsr-3296	512	15	borrow	borrow	VERB
fsr-3296	512	16	that	that	PRON
fsr-3296	512	17	is	be	AUX
fsr-3296	512	18	induced	induce	VERB
fsr-3296	512	19	by	by	ADP
fsr-3296	512	20	the	the	DET
fsr-3296	512	21	attitude	attitude	NOUN
fsr-3296	512	22	towards	towards	ADP
fsr-3296	512	23	borrowing	borrowing	NOUN
fsr-3296	512	24	is	be	AUX
fsr-3296	512	25	the	the	DET
fsr-3296	512	26	same	same	ADJ
fsr-3296	512	27	across	across	ADP
fsr-3296	512	28	individuals	individual	NOUN
fsr-3296	512	29	with	with	ADP
fsr-3296	512	30	different	different	ADJ
fsr-3296	512	31	need	need	NOUN
fsr-3296	512	32	for	for	ADP
fsr-3296	512	33	material	material	ADJ
fsr-3296	512	34	resources	resource	NOUN
fsr-3296	512	35	.	.	PUNCT
fsr-3296	513	1	if	if	SCONJ
fsr-3296	513	2	interpreted	interpret	VERB
fsr-3296	513	3	carefully	carefully	ADV
fsr-3296	513	4	,	,	PUNCT
fsr-3296	513	5	the	the	DET
fsr-3296	513	6	coefficients	coefficient	NOUN
fsr-3296	513	7	on	on	ADP
fsr-3296	513	8	matr	matr	ADJ
fsr-3296	513	9	,	,	PUNCT
fsr-3296	513	10	attborrow	attborrow	ADJ
fsr-3296	513	11	,	,	PUNCT
fsr-3296	513	12	and	and	CCONJ
fsr-3296	513	13	matr	matr	ADJ
fsr-3296	513	14	�	�	PROPN
fsr-3296	513	15	attborrow	attborrow	NOUN
fsr-3296	513	16	are	be	AUX
fsr-3296	513	17	sufficient	sufficient	ADJ
fsr-3296	513	18	to	to	PART
fsr-3296	513	19	reveal	reveal	VERB
fsr-3296	513	20	the	the	DET
fsr-3296	513	21	intention	intention	NOUN
fsr-3296	513	22	to	to	PART
fsr-3296	513	23	borrow	borrow	VERB
fsr-3296	513	24	differentials	differential	NOUN
fsr-3296	513	25	across	across	ADP
fsr-3296	513	26	all	all	DET
fsr-3296	513	27	possible	possible	ADJ
fsr-3296	513	28	combinations	combination	NOUN
fsr-3296	513	29	of	of	ADP
fsr-3296	513	30	need	need	NOUN
fsr-3296	513	31	for	for	ADP
fsr-3296	513	32	material	material	ADJ
fsr-3296	513	33	resources	resource	NOUN
fsr-3296	513	34	and	and	CCONJ
fsr-3296	513	35	the	the	DET
fsr-3296	513	36	attitude	attitude	NOUN
fsr-3296	513	37	towards	towards	ADP
fsr-3296	513	38	borrowing	borrowing	NOUN
fsr-3296	513	39	relative	relative	ADJ
fsr-3296	513	40	to	to	ADP
fsr-3296	513	41	hypothetical	hypothetical	ADJ
fsr-3296	513	42	base	base	NOUN
fsr-3296	513	43	group	group	NOUN
fsr-3296	513	44	defined	define	VERB
fsr-3296	513	45	by	by	ADP
fsr-3296	513	46	construction	construction	NOUN
fsr-3296	513	47	as	as	ADP
fsr-3296	513	48	[	[	X
fsr-3296	513	49	matr	matr	ADJ
fsr-3296	513	50	�	�	PROPN
fsr-3296	513	51	0	0	NUM
fsr-3296	513	52	,	,	PUNCT
fsr-3296	513	53	attborrow	attborrow	PROPN
fsr-3296	513	54	�	�	PROPN
fsr-3296	513	55	0	0	NUM
fsr-3296	513	56	]	]	PUNCT
fsr-3296	513	57	.	.	PUNCT
fsr-3296	514	1	see	see	VERB
fsr-3296	514	2	legend	legend	NOUN
fsr-3296	514	3	of	of	ADP
fsr-3296	514	4	table	table	NOUN
fsr-3296	514	5	3	3	NUM
fsr-3296	514	6	for	for	ADP
fsr-3296	514	7	more	more	ADJ
fsr-3296	514	8	explanation	explanation	NOUN
fsr-3296	514	9	.	.	PUNCT
fsr-3296	515	1	the	the	DET
fsr-3296	515	2	second	second	ADJ
fsr-3296	515	3	model	model	NOUN
fsr-3296	515	4	with	with	ADP
fsr-3296	515	5	the	the	DET
fsr-3296	515	6	need	need	NOUN
fsr-3296	515	7	for	for	ADP
fsr-3296	515	8	arousal	arousal	ADJ
fsr-3296	515	9	trait	trait	NOUN
fsr-3296	515	10	is	be	AUX
fsr-3296	515	11	a	a	DET
fsr-3296	515	12	replica	replica	NOUN
fsr-3296	515	13	of	of	ADP
fsr-3296	515	14	the	the	DET
fsr-3296	515	15	first	first	ADJ
fsr-3296	515	16	model	model	NOUN
fsr-3296	515	17	and	and	CCONJ
fsr-3296	515	18	,	,	PUNCT
fsr-3296	515	19	thus	thus	ADV
fsr-3296	515	20	,	,	PUNCT
fsr-3296	515	21	is	be	AUX
fsr-3296	515	22	interpreted	interpret	VERB
fsr-3296	515	23	in	in	ADP
fsr-3296	515	24	an	an	DET
fsr-3296	515	25	analogous	analogous	ADJ
fsr-3296	515	26	manner	manner	NOUN
fsr-3296	515	27	.	.	PUNCT
fsr-3296	516	1	the	the	DET
fsr-3296	516	2	parameters	parameter	NOUN
fsr-3296	516	3	of	of	ADP
fsr-3296	516	4	second	second	ADJ
fsr-3296	516	5	model	model	NOUN
fsr-3296	516	6	are	be	AUX
fsr-3296	516	7	reported	report	VERB
fsr-3296	516	8	in	in	ADP
fsr-3296	516	9	table	table	NOUN
fsr-3296	516	10	4	4	NUM
fsr-3296	516	11	.	.	PUNCT
fsr-3296	517	1	the	the	DET
fsr-3296	517	2	results	result	NOUN
fsr-3296	517	3	in	in	ADP
fsr-3296	517	4	table	table	NOUN
fsr-3296	517	5	3	3	NUM
fsr-3296	517	6	indicate	indicate	VERB
fsr-3296	517	7	that	that	SCONJ
fsr-3296	517	8	the	the	DET
fsr-3296	517	9	interaction	interaction	NOUN
fsr-3296	517	10	between	between	ADP
fsr-3296	517	11	the	the	DET
fsr-3296	517	12	attitude	attitude	NOUN
fsr-3296	517	13	towards	towards	ADP
fsr-3296	517	14	borrowing	borrowing	NOUN
fsr-3296	517	15	and	and	CCONJ
fsr-3296	517	16	the	the	DET
fsr-3296	517	17	need	need	NOUN
fsr-3296	517	18	for	for	ADP
fsr-3296	517	19	material	material	ADJ
fsr-3296	517	20	resources	resource	NOUN
fsr-3296	517	21	is	be	AUX
fsr-3296	517	22	not	not	PART
fsr-3296	517	23	consistent	consistent	ADJ
fsr-3296	517	24	across	across	ADP
fsr-3296	517	25	all	all	DET
fsr-3296	517	26	borrowing	borrowing	NOUN
fsr-3296	517	27	options	option	NOUN
fsr-3296	517	28	;	;	PUNCT
fsr-3296	517	29	which	which	PRON
fsr-3296	517	30	supports	support	VERB
fsr-3296	517	31	our	our	PRON
fsr-3296	517	32	core	core	NOUN
fsr-3296	517	33	argument	argument	NOUN
fsr-3296	517	34	that	that	SCONJ
fsr-3296	517	35	borrowing	borrowing	NOUN
fsr-3296	517	36	options	option	NOUN
fsr-3296	517	37	are	be	AUX
fsr-3296	517	38	not	not	PART
fsr-3296	517	39	homogenous	homogenous	ADJ
fsr-3296	517	40	and	and	CCONJ
fsr-3296	517	41	are	be	AUX
fsr-3296	517	42	motivated	motivate	VERB
fsr-3296	517	43	differently	differently	ADV
fsr-3296	517	44	.	.	PUNCT
fsr-3296	518	1	the	the	DET
fsr-3296	518	2	coefficients	coefficient	NOUN
fsr-3296	518	3	on	on	ADP
fsr-3296	518	4	the	the	DET
fsr-3296	518	5	interaction	interaction	NOUN
fsr-3296	518	6	term	term	NOUN
fsr-3296	518	7	,	,	PUNCT
fsr-3296	518	8	�	�	PROPN
fsr-3296	518	9	2	2	NUM
fsr-3296	518	10	,	,	PUNCT
fsr-3296	518	11	are	be	AUX
fsr-3296	518	12	significantly	significantly	ADV
fsr-3296	518	13	positive	positive	ADJ
fsr-3296	518	14	in	in	ADP
fsr-3296	518	15	regressions	regression	NOUN
fsr-3296	518	16	2	2	NUM
fsr-3296	518	17	,	,	PUNCT
fsr-3296	518	18	3	3	NUM
fsr-3296	518	19	,	,	PUNCT
fsr-3296	518	20	4	4	NUM
fsr-3296	518	21	,	,	PUNCT
fsr-3296	518	22	7	7	NUM
fsr-3296	518	23	,	,	PUNCT
fsr-3296	518	24	and	and	CCONJ
fsr-3296	518	25	8	8	NUM
fsr-3296	518	26	that	that	PRON
fsr-3296	518	27	correspond	correspond	VERB
fsr-3296	518	28	to	to	ADP
fsr-3296	518	29	the	the	DET
fsr-3296	518	30	intentions	intention	NOUN
fsr-3296	518	31	to	to	PART
fsr-3296	518	32	apply	apply	VERB
fsr-3296	518	33	for	for	ADP
fsr-3296	518	34	a	a	DET
fsr-3296	518	35	mortgage	mortgage	NOUN
fsr-3296	518	36	,	,	PUNCT
fsr-3296	518	37	a	a	DET
fsr-3296	518	38	home	home	NOUN
fsr-3296	518	39	improvement	improvement	NOUN
fsr-3296	518	40	loan	loan	NOUN
fsr-3296	518	41	,	,	PUNCT
fsr-3296	518	42	a	a	DET
fsr-3296	518	43	business	business	NOUN
fsr-3296	518	44	loan	loan	NOUN
fsr-3296	518	45	,	,	PUNCT
fsr-3296	518	46	a	a	DET
fsr-3296	518	47	personal	personal	ADJ
fsr-3296	518	48	loan	loan	NOUN
fsr-3296	518	49	,	,	PUNCT
fsr-3296	518	50	and	and	CCONJ
fsr-3296	518	51	a	a	DET
fsr-3296	518	52	payday	payday	NOUN
fsr-3296	518	53	loan	loan	NOUN
fsr-3296	518	54	,	,	PUNCT
fsr-3296	518	55	respectively	respectively	ADV
fsr-3296	518	56	.	.	PUNCT
fsr-3296	519	1	this	this	PRON
fsr-3296	519	2	indicates	indicate	VERB
fsr-3296	519	3	that	that	SCONJ
fsr-3296	519	4	for	for	ADP
fsr-3296	519	5	individuals	individual	NOUN
fsr-3296	519	6	with	with	ADP
fsr-3296	519	7	greater	great	ADJ
fsr-3296	519	8	need	need	NOUN
fsr-3296	519	9	for	for	ADP
fsr-3296	519	10	material	material	ADJ
fsr-3296	519	11	resources	resource	NOUN
fsr-3296	519	12	,	,	PUNCT
fsr-3296	519	13	the	the	DET
fsr-3296	519	14	attitude	attitude	NOUN
fsr-3296	519	15	towards	towards	ADP
fsr-3296	519	16	borrowing	borrowing	NOUN
fsr-3296	519	17	shows	show	VERB
fsr-3296	519	18	a	a	DET
fsr-3296	519	19	stronger	strong	ADJ
fsr-3296	519	20	association	association	NOUN
fsr-3296	519	21	on	on	ADP
fsr-3296	519	22	the	the	DET
fsr-3296	519	23	intention	intention	NOUN
fsr-3296	519	24	to	to	PART
fsr-3296	519	25	use	use	VERB
fsr-3296	519	26	these	these	DET
fsr-3296	519	27	borrowing	borrowing	NOUN
fsr-3296	519	28	options	option	NOUN
fsr-3296	519	29	.	.	PUNCT
fsr-3296	520	1	this	this	PRON
fsr-3296	520	2	is	be	AUX
fsr-3296	520	3	consistent	consistent	ADJ
fsr-3296	520	4	with	with	ADP
fsr-3296	520	5	hypothesis	hypothesis	NOUN
fsr-3296	520	6	3a	3a	NUM
fsr-3296	520	7	.	.	PUNCT
fsr-3296	521	1	an	an	DET
fsr-3296	521	2	interesting	interesting	ADJ
fsr-3296	521	3	find	find	NOUN
fsr-3296	521	4	was	be	AUX
fsr-3296	521	5	that	that	SCONJ
fsr-3296	521	6	in	in	ADP
fsr-3296	521	7	regressions	regression	NOUN
fsr-3296	521	8	2	2	NUM
fsr-3296	521	9	through	through	ADP
fsr-3296	521	10	8	8	NUM
fsr-3296	521	11	,	,	PUNCT
fsr-3296	521	12	the	the	DET
fsr-3296	521	13	coefficients	coefficient	NOUN
fsr-3296	521	14	on	on	ADP
fsr-3296	521	15	the	the	DET
fsr-3296	521	16	attitude	attitude	NOUN
fsr-3296	521	17	towards	towards	ADP
fsr-3296	521	18	borrowing	borrowing	NOUN
fsr-3296	521	19	,	,	PUNCT
fsr-3296	521	20	�	�	PROPN
fsr-3296	521	21	2	2	NUM
fsr-3296	521	22	,	,	PUNCT
fsr-3296	521	23	and	and	CCONJ
fsr-3296	521	24	the	the	DET
fsr-3296	521	25	need	need	NOUN
fsr-3296	521	26	for	for	ADP
fsr-3296	521	27	material	material	ADJ
fsr-3296	521	28	resources	resource	NOUN
fsr-3296	521	29	,	,	PUNCT
fsr-3296	521	30	�	�	PROPN
fsr-3296	521	31	1	1	NUM
fsr-3296	521	32	,	,	PUNCT
fsr-3296	521	33	are	be	AUX
fsr-3296	521	34	statistically	statistically	ADV
fsr-3296	521	35	indistinguishable	indistinguishable	ADJ
fsr-3296	521	36	from	from	ADP
fsr-3296	521	37	zero	zero	NUM
fsr-3296	521	38	.	.	PUNCT
fsr-3296	522	1	this	this	PRON
fsr-3296	522	2	implies	imply	VERB
fsr-3296	522	3	that	that	SCONJ
fsr-3296	522	4	neither	neither	CCONJ
fsr-3296	522	5	the	the	DET
fsr-3296	522	6	attitude	attitude	NOUN
fsr-3296	522	7	towards	towards	ADP
fsr-3296	522	8	borrowing	borrowing	NOUN
fsr-3296	522	9	nor	nor	CCONJ
fsr-3296	522	10	the	the	DET
fsr-3296	522	11	need	need	NOUN
fsr-3296	522	12	for	for	ADP
fsr-3296	522	13	material	material	ADJ
fsr-3296	522	14	resources	resource	NOUN
fsr-3296	522	15	can	can	AUX
fsr-3296	522	16	,	,	PUNCT
fsr-3296	522	17	alone	alone	ADV
fsr-3296	522	18	,	,	PUNCT
fsr-3296	522	19	influence	influence	VERB
fsr-3296	522	20	one	one	NUM
fsr-3296	522	21	’s	’s	PART
fsr-3296	522	22	intentions	intention	NOUN
fsr-3296	522	23	to	to	PART
fsr-3296	522	24	borrow	borrow	VERB
fsr-3296	522	25	.	.	PUNCT
fsr-3296	523	1	regression	regression	NOUN
fsr-3296	523	2	1	1	NUM
fsr-3296	523	3	corresponds	correspond	NOUN
fsr-3296	523	4	to	to	ADP
fsr-3296	523	5	the	the	DET
fsr-3296	523	6	intention	intention	NOUN
fsr-3296	523	7	to	to	PART
fsr-3296	523	8	open	open	VERB
fsr-3296	523	9	a	a	DET
fsr-3296	523	10	credit	credit	NOUN
fsr-3296	523	11	card	card	NOUN
fsr-3296	523	12	account	account	NOUN
fsr-3296	523	13	and	and	CCONJ
fsr-3296	523	14	seems	seem	VERB
fsr-3296	523	15	to	to	PART
fsr-3296	523	16	be	be	AUX
fsr-3296	523	17	structurally	structurally	ADV
fsr-3296	523	18	different	different	ADJ
fsr-3296	523	19	from	from	ADP
fsr-3296	523	20	other	other	ADJ
fsr-3296	523	21	regressions	regression	NOUN
fsr-3296	523	22	.	.	PUNCT
fsr-3296	524	1	in	in	ADP
fsr-3296	524	2	particular	particular	ADJ
fsr-3296	524	3	,	,	PUNCT
fsr-3296	524	4	we	we	PRON
fsr-3296	524	5	observe	observe	VERB
fsr-3296	524	6	that	that	SCONJ
fsr-3296	524	7	both	both	DET
fsr-3296	524	8	�	�	NOUN
fsr-3296	524	9	2	2	NUM
fsr-3296	524	10	and	and	CCONJ
fsr-3296	524	11	�	�	NOUN
fsr-3296	524	12	1	1	NUM
fsr-3296	524	13	are	be	AUX
fsr-3296	524	14	positive	positive	ADJ
fsr-3296	524	15	and	and	CCONJ
fsr-3296	524	16	statistically	statistically	ADV
fsr-3296	524	17	significant	significant	ADJ
fsr-3296	524	18	.	.	PUNCT
fsr-3296	525	1	this	this	PRON
fsr-3296	525	2	indicates	indicate	VERB
fsr-3296	525	3	that	that	SCONJ
fsr-3296	525	4	credit	credit	NOUN
fsr-3296	525	5	card	card	NOUN
fsr-3296	525	6	borrowing	borrowing	NOUN
fsr-3296	525	7	is	be	AUX
fsr-3296	525	8	motivated	motivate	VERB
fsr-3296	525	9	differently	differently	ADV
fsr-3296	525	10	from	from	ADP
fsr-3296	525	11	other	other	ADJ
fsr-3296	525	12	borrowing	borrowing	NOUN
fsr-3296	525	13	options	option	NOUN
fsr-3296	525	14	.	.	PUNCT
fsr-3296	526	1	a	a	DET
fsr-3296	526	2	more	more	ADV
fsr-3296	526	3	favorable	favorable	ADJ
fsr-3296	526	4	attitude	attitude	NOUN
fsr-3296	526	5	towards	towards	ADP
fsr-3296	526	6	borrowing	borrowing	NOUN
fsr-3296	526	7	as	as	ADV
fsr-3296	526	8	well	well	ADV
fsr-3296	526	9	as	as	ADP
fsr-3296	526	10	higher	high	ADJ
fsr-3296	526	11	values	value	NOUN
fsr-3296	526	12	of	of	ADP
fsr-3296	526	13	need	need	NOUN
fsr-3296	526	14	for	for	ADP
fsr-3296	526	15	material	material	ADJ
fsr-3296	526	16	resources	resource	NOUN
fsr-3296	526	17	induce	induce	VERB
fsr-3296	526	18	stronger	strong	ADJ
fsr-3296	526	19	intentions	intention	NOUN
fsr-3296	526	20	for	for	ADP
fsr-3296	526	21	opening	open	VERB
fsr-3296	526	22	a	a	DET
fsr-3296	526	23	new	new	ADJ
fsr-3296	526	24	credit	credit	NOUN
fsr-3296	526	25	card	card	NOUN
fsr-3296	526	26	account	account	NOUN
fsr-3296	526	27	.	.	PUNCT
fsr-3296	527	1	at	at	ADP
fsr-3296	527	2	the	the	DET
fsr-3296	527	3	same	same	ADJ
fsr-3296	527	4	time	time	NOUN
fsr-3296	527	5	,	,	PUNCT
fsr-3296	527	6	we	we	PRON
fsr-3296	527	7	can	can	AUX
fsr-3296	527	8	not	not	PART
fsr-3296	527	9	reject	reject	VERB
fsr-3296	527	10	the	the	DET
fsr-3296	527	11	null	null	NOUN
fsr-3296	527	12	that	that	SCONJ
fsr-3296	527	13	the	the	DET
fsr-3296	527	14	interaction	interaction	NOUN
fsr-3296	527	15	between	between	ADP
fsr-3296	527	16	the	the	DET
fsr-3296	527	17	two	two	NUM
fsr-3296	527	18	is	be	AUX
fsr-3296	527	19	insignificant	insignificant	ADJ
fsr-3296	527	20	.	.	PUNCT
fsr-3296	528	1	as	as	ADP
fsr-3296	528	2	in	in	ADP
fsr-3296	528	3	table	table	NOUN
fsr-3296	528	4	3	3	NUM
fsr-3296	528	5	,	,	PUNCT
fsr-3296	528	6	the	the	DET
fsr-3296	528	7	results	result	NOUN
fsr-3296	528	8	in	in	ADP
fsr-3296	528	9	table	table	NOUN
fsr-3296	528	10	4	4	NUM
fsr-3296	528	11	indicate	indicate	VERB
fsr-3296	528	12	that	that	SCONJ
fsr-3296	528	13	the	the	DET
fsr-3296	528	14	interaction	interaction	NOUN
fsr-3296	528	15	between	between	ADP
fsr-3296	528	16	the	the	DET
fsr-3296	528	17	attitude	attitude	NOUN
fsr-3296	528	18	towards	towards	ADP
fsr-3296	528	19	borrowing	borrowing	NOUN
fsr-3296	528	20	and	and	CCONJ
fsr-3296	528	21	the	the	DET
fsr-3296	528	22	need	need	NOUN
fsr-3296	528	23	for	for	ADP
fsr-3296	528	24	arousal	arousal	NOUN
fsr-3296	528	25	is	be	AUX
fsr-3296	528	26	not	not	PART
fsr-3296	528	27	consistent	consistent	ADJ
fsr-3296	528	28	across	across	ADP
fsr-3296	528	29	all	all	DET
fsr-3296	528	30	borrowing	borrowing	NOUN
fsr-3296	528	31	options	option	NOUN
fsr-3296	528	32	;	;	PUNCT
fsr-3296	528	33	which	which	PRON
fsr-3296	528	34	supports	support	VERB
fsr-3296	528	35	the	the	DET
fsr-3296	528	36	argument	argument	NOUN
fsr-3296	528	37	that	that	SCONJ
fsr-3296	528	38	borrowing	borrowing	NOUN
fsr-3296	528	39	options	option	NOUN
fsr-3296	528	40	are	be	AUX
fsr-3296	528	41	not	not	PART
fsr-3296	528	42	homogenous	homogenous	ADJ
fsr-3296	528	43	and	and	CCONJ
fsr-3296	528	44	are	be	AUX
fsr-3296	528	45	,	,	PUNCT
fsr-3296	528	46	therefore	therefore	ADV
fsr-3296	528	47	,	,	PUNCT
fsr-3296	528	48	motivated	motivate	VERB
fsr-3296	528	49	differently	differently	ADV
fsr-3296	528	50	.	.	PUNCT
fsr-3296	529	1	76	76	NUM
fsr-3296	529	2	a.	a.	NOUN
fsr-3296	529	3	yazdanparast	yazdanparast	NOUN
fsr-3296	529	4	,	,	PUNCT
fsr-3296	529	5	y.	y.	PROPN
fsr-3296	529	6	alhenawi	alhenawi	PROPN
fsr-3296	529	7	/	/	SYM
fsr-3296	529	8	financial	financial	ADJ
fsr-3296	529	9	services	service	NOUN
fsr-3296	529	10	review	review	VERB
fsr-3296	529	11	26	26	NUM
fsr-3296	529	12	(	(	PUNCT
fsr-3296	529	13	2017	2017	NUM
fsr-3296	529	14	)	)	PUNCT
fsr-3296	529	15	55–85	55–85	NUM
fsr-3296	529	16	t	t	PROPN
fsr-3296	529	17	ab	ab	X
fsr-3296	529	18	le	le	X
fsr-3296	529	19	3	3	NUM
fsr-3296	529	20	r	r	NOUN
fsr-3296	529	21	eg	eg	NOUN
fsr-3296	529	22	re	re	NOUN
fsr-3296	529	23	ss	ss	PROPN
fsr-3296	529	24	io	io	PROPN
fsr-3296	529	25	n	n	PROPN
fsr-3296	529	26	an	an	PROPN
fsr-3296	529	27	al	al	PROPN
fsr-3296	529	28	ys	ys	PROPN
fsr-3296	529	29	es	es	PROPN
fsr-3296	529	30	w	w	PROPN
fsr-3296	529	31	ith	ith	PROPN
fsr-3296	529	32	in	in	ADP
fsr-3296	529	33	te	te	ADP
fsr-3296	529	34	ra	ra	PROPN
fsr-3296	529	35	ct	ct	PROPN
fsr-3296	529	36	io	io	PROPN
fsr-3296	529	37	n	n	PROPN
fsr-3296	529	38	te	te	ADP
fsr-3296	529	39	rm	rm	PROPN
fsr-3296	529	40	s	s	PROPN
fsr-3296	529	41	:	:	PUNCT
fsr-3296	529	42	t	t	PROPN
fsr-3296	529	43	he	he	PRON
fsr-3296	529	44	ne	ne	VERB
fsr-3296	529	45	ed	ed	NOUN
fsr-3296	530	1	fo	fo	ADP
fsr-3296	530	2	r	r	NOUN
fsr-3296	530	3	m	m	NOUN
fsr-3296	530	4	at	at	ADP
fsr-3296	530	5	er	er	INTJ
fsr-3296	530	6	ia	ia	PROPN
fsr-3296	530	7	l	l	NOUN
fsr-3296	530	8	re	re	VERB
fsr-3296	530	9	so	so	ADV
fsr-3296	530	10	ur	ur	INTJ
fsr-3296	530	11	ce	ce	PROPN
fsr-3296	530	12	s	s	X
fsr-3296	530	13	(	(	PUNCT
fsr-3296	530	14	1	1	NUM
fsr-3296	530	15	)	)	PUNCT
fsr-3296	530	16	c	c	NOUN
fsr-3296	530	17	re	re	ADP
fsr-3296	530	18	di	di	PROPN
fsr-3296	530	19	t	t	PROPN
fsr-3296	530	20	ca	can	AUX
fsr-3296	530	21	rd	rd	PROPN
fsr-3296	530	22	(	(	PUNCT
fsr-3296	530	23	2	2	X
fsr-3296	530	24	)	)	PUNCT
fsr-3296	530	25	m	m	VERB
fsr-3296	530	26	or	or	CCONJ
fsr-3296	530	27	tg	tg	PROPN
fsr-3296	530	28	ag	ag	PROPN
fsr-3296	530	29	e	e	PROPN
fsr-3296	530	30	(	(	PUNCT
fsr-3296	530	31	3	3	X
fsr-3296	530	32	)	)	PUNCT
fsr-3296	530	33	h	h	NOUN
fsr-3296	530	34	om	om	NOUN
fsr-3296	530	35	e	e	PROPN
fsr-3296	531	1	i	i	PRON
fsr-3296	531	2	m	m	VERB
fsr-3296	531	3	pr	pr	INTJ
fsr-3296	532	1	ov	ov	INTJ
fsr-3296	532	2	em	em	PRON
fsr-3296	532	3	en	en	INTJ
fsr-3296	532	4	t	t	X
fsr-3296	532	5	lo	lo	PROPN
fsr-3296	532	6	an	an	DET
fsr-3296	532	7	(	(	PUNCT
fsr-3296	532	8	4	4	NUM
fsr-3296	532	9	)	)	PUNCT
fsr-3296	532	10	b	b	NOUN
fsr-3296	532	11	us	we	PRON
fsr-3296	532	12	in	in	ADP
fsr-3296	532	13	es	es	X
fsr-3296	532	14	s	s	VERB
fsr-3296	532	15	lo	lo	NOUN
fsr-3296	532	16	an	an	DET
fsr-3296	532	17	(	(	PUNCT
fsr-3296	532	18	5	5	NUM
fsr-3296	532	19	)	)	PUNCT
fsr-3296	532	20	a	a	DET
fsr-3296	532	21	ut	ut	PROPN
fsr-3296	532	22	om	om	PROPN
fsr-3296	532	23	ob	ob	INTJ
fsr-3296	533	1	ile	ile	PROPN
fsr-3296	533	2	(	(	PUNCT
fsr-3296	533	3	6	6	NUM
fsr-3296	533	4	)	)	PUNCT
fsr-3296	533	5	st	st	PROPN
fsr-3296	534	1	ud	ud	INTJ
fsr-3296	534	2	en	en	PROPN
fsr-3296	534	3	t	t	PROPN
fsr-3296	534	4	lo	lo	PROPN
fsr-3296	534	5	an	an	DET
fsr-3296	534	6	(	(	PUNCT
fsr-3296	534	7	7	7	NUM
fsr-3296	534	8	)	)	PUNCT
fsr-3296	534	9	pe	pe	VERB
fsr-3296	534	10	rs	rs	NOUN
fsr-3296	534	11	on	on	ADP
fsr-3296	534	12	al	al	PROPN
fsr-3296	534	13	lo	lo	PROPN
fsr-3296	534	14	an	an	DET
fsr-3296	534	15	(	(	PUNCT
fsr-3296	534	16	8	8	NUM
fsr-3296	534	17	)	)	PUNCT
fsr-3296	535	1	pa	pa	PROPN
fsr-3296	535	2	yd	yd	NOUN
fsr-3296	535	3	ay	ay	PROPN
fsr-3296	535	4	lo	lo	PROPN
fsr-3296	535	5	an	an	DET
fsr-3296	535	6	c	c	NOUN
fsr-3296	535	7	on	on	ADP
fsr-3296	535	8	st	st	PROPN
fsr-3296	535	9	an	an	DET
fsr-3296	535	10	t	t	NOUN
fsr-3296	536	1	[	[	X
fsr-3296	536	2	c	c	X
fsr-3296	536	3	]	]	X
fsr-3296	536	4	0	0	X
fsr-3296	536	5	.	.	X
fsr-3296	537	1	16	16	NUM
fsr-3296	537	2	78	78	NUM
fsr-3296	537	3	1	1	NUM
fsr-3296	537	4	.	.	PUNCT
fsr-3296	537	5	90	90	NUM
fsr-3296	537	6	42	42	NUM
fsr-3296	537	7	*	*	PUNCT
fsr-3296	537	8	*	*	PUNCT
fsr-3296	537	9	*	*	PUNCT
fsr-3296	538	1	1	1	NUM
fsr-3296	538	2	.	.	NUM
fsr-3296	538	3	48	48	NUM
fsr-3296	538	4	30	30	NUM
fsr-3296	538	5	*	*	PUNCT
fsr-3296	538	6	*	*	PUNCT
fsr-3296	539	1	*	*	PUNCT
fsr-3296	539	2	1	1	NUM
fsr-3296	539	3	.	.	NUM
fsr-3296	540	1	46	46	NUM
fsr-3296	540	2	60	60	NUM
fsr-3296	541	1	*	*	PUNCT
fsr-3296	541	2	*	*	PUNCT
fsr-3296	541	3	*	*	PUNCT
fsr-3296	541	4	2	2	NUM
fsr-3296	541	5	.	.	NOUN
fsr-3296	541	6	04	04	NUM
fsr-3296	542	1	58	58	NUM
fsr-3296	543	1	*	*	PUNCT
fsr-3296	543	2	*	*	PUNCT
fsr-3296	543	3	*	*	PUNCT
fsr-3296	543	4	1	1	NUM
fsr-3296	543	5	.	.	NUM
fsr-3296	543	6	24	24	NUM
fsr-3296	543	7	01	01	NUM
fsr-3296	544	1	*	*	PUNCT
fsr-3296	544	2	*	*	PUNCT
fsr-3296	544	3	*	*	PUNCT
fsr-3296	544	4	1	1	NUM
fsr-3296	544	5	.	.	NOUN
fsr-3296	544	6	03	03	NUM
fsr-3296	544	7	23	23	NUM
fsr-3296	545	1	*	*	PUNCT
fsr-3296	545	2	*	*	PUNCT
fsr-3296	545	3	*	*	PUNCT
fsr-3296	545	4	1	1	NUM
fsr-3296	545	5	.	.	NUM
fsr-3296	545	6	31	31	NUM
fsr-3296	546	1	47	47	NUM
fsr-3296	547	1	*	*	PUNCT
fsr-3296	547	2	*	*	PUNCT
fsr-3296	547	3	*	*	PUNCT
fsr-3296	547	4	a	a	DET
fsr-3296	547	5	tt	tt	PROPN
fsr-3296	547	6	b	b	X
fsr-3296	547	7	o	o	X
fsr-3296	547	8	rr	rr	NOUN
fsr-3296	548	1	o	o	X
fsr-3296	548	2	w	w	X
fsr-3296	549	1	[	[	X
fsr-3296	549	2	�	�	PROPN
fsr-3296	549	3	2	2	NUM
fsr-3296	549	4	]	]	PUNCT
fsr-3296	549	5	0	0	NUM
fsr-3296	549	6	.	.	NOUN
fsr-3296	549	7	03	03	NUM
fsr-3296	550	1	50	50	NUM
fsr-3296	550	2	*	*	PUNCT
fsr-3296	550	3	*	*	PUNCT
fsr-3296	550	4	*	*	PUNCT
fsr-3296	550	5	�	�	PROPN
fsr-3296	550	6	.0	.0	NUM
fsr-3296	550	7	09	09	NUM
fsr-3296	550	8	8	8	NUM
fsr-3296	550	9	�	�	PROPN
fsr-3296	550	10	0	0	NUM
fsr-3296	550	11	.	.	PUNCT
fsr-3296	550	12	00	00	NUM
fsr-3296	551	1	76	76	NUM
fsr-3296	551	2	�	�	PROPN
fsr-3296	551	3	0	0	NUM
fsr-3296	551	4	.	.	PUNCT
fsr-3296	551	5	00	00	NUM
fsr-3296	552	1	77	77	NUM
fsr-3296	552	2	�	�	PROPN
fsr-3296	552	3	0	0	NUM
fsr-3296	552	4	.	.	PUNCT
fsr-3296	552	5	00	00	NUM
fsr-3296	552	6	04	04	NUM
fsr-3296	552	7	�	�	PROPN
fsr-3296	552	8	0	0	NUM
fsr-3296	552	9	.	.	PROPN
fsr-3296	552	10	00	00	NUM
fsr-3296	552	11	21	21	NUM
fsr-3296	552	12	0	0	NUM
fsr-3296	552	13	.	.	PUNCT
fsr-3296	552	14	00	00	NUM
fsr-3296	553	1	59	59	NUM
fsr-3296	553	2	�	�	PROPN
fsr-3296	553	3	0	0	NUM
fsr-3296	553	4	.	.	PROPN
fsr-3296	553	5	00	00	NUM
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fsr-3296	554	2	m	m	NOUN
fsr-3296	554	3	at	at	ADP
fsr-3296	554	4	er	er	INTJ
fsr-3296	554	5	ia	ia	PROPN
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fsr-3296	555	1	[	[	X
fsr-3296	555	2	�	�	PROPN
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fsr-3296	555	4	]	]	PUNCT
fsr-3296	555	5	0	0	NUM
fsr-3296	555	6	.	.	X
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fsr-3296	556	1	*	*	PUNCT
fsr-3296	556	2	*	*	PUNCT
fsr-3296	556	3	�	�	PROPN
fsr-3296	556	4	.0	.0	NUM
fsr-3296	556	5	76	76	NUM
fsr-3296	556	6	5	5	NUM
fsr-3296	556	7	�	�	PROPN
fsr-3296	556	8	0	0	NUM
fsr-3296	556	9	.	.	PROPN
fsr-3296	556	10	13	13	NUM
fsr-3296	556	11	13	13	NUM
fsr-3296	556	12	�	�	PROPN
fsr-3296	556	13	0	0	NUM
fsr-3296	556	14	.	.	PUNCT
fsr-3296	556	15	14	14	NUM
fsr-3296	556	16	48	48	NUM
fsr-3296	556	17	�	�	PROPN
fsr-3296	556	18	0	0	NUM
fsr-3296	556	19	.	.	NOUN
fsr-3296	556	20	03	03	NUM
fsr-3296	556	21	64	64	NUM
fsr-3296	556	22	0	0	NUM
fsr-3296	556	23	.	.	PUNCT
fsr-3296	557	1	19	19	NUM
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fsr-3296	557	4	0	0	NUM
fsr-3296	557	5	.	.	PROPN
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fsr-3296	557	7	41	41	NUM
fsr-3296	557	8	�	�	PROPN
fsr-3296	557	9	0	0	NUM
fsr-3296	557	10	.	.	PUNCT
fsr-3296	557	11	02	02	NUM
fsr-3296	557	12	05	05	NUM
fsr-3296	557	13	in	in	ADP
fsr-3296	557	14	te	te	ADP
fsr-3296	557	15	ra	ra	PROPN
fsr-3296	557	16	ct	ct	PROPN
fsr-3296	557	17	io	io	PROPN
fsr-3296	557	18	n	n	PROPN
fsr-3296	557	19	[	[	PUNCT
fsr-3296	557	20	�	�	PROPN
fsr-3296	557	21	3	3	NUM
fsr-3296	557	22	]	]	PUNCT
fsr-3296	557	23	�	�	PROPN
fsr-3296	557	24	0	0	NUM
fsr-3296	557	25	.	.	PROPN
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fsr-3296	559	2	*	*	SYM
fsr-3296	559	3	*	*	PUNCT
fsr-3296	559	4	0	0	NUM
fsr-3296	559	5	.	.	NUM
fsr-3296	559	6	00	00	NUM
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fsr-3296	561	1	*	*	PUNCT
fsr-3296	561	2	*	*	PUNCT
fsr-3296	562	1	*	*	PUNCT
fsr-3296	562	2	0	0	NUM
fsr-3296	562	3	.	.	NUM
fsr-3296	562	4	00	00	NUM
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fsr-3296	564	1	*	*	PUNCT
fsr-3296	564	2	*	*	PUNCT
fsr-3296	565	1	*	*	PUNCT
fsr-3296	565	2	0	0	NUM
fsr-3296	565	3	.	.	NUM
fsr-3296	565	4	00	00	NUM
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fsr-3296	566	2	0	0	NUM
fsr-3296	566	3	.	.	PUNCT
fsr-3296	566	4	00	00	NUM
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fsr-3296	567	3	.	.	PUNCT
fsr-3296	567	4	00	00	NUM
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fsr-3296	569	1	*	*	PUNCT
fsr-3296	569	2	*	*	NOUN
fsr-3296	569	3	0	0	NUM
fsr-3296	569	4	.	.	NUM
fsr-3296	569	5	00	00	NUM
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fsr-3296	571	1	*	*	PUNCT
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fsr-3296	571	4	r	r	NOUN
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fsr-3296	571	7	.	.	PUNCT
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fsr-3296	572	3	.	.	PUNCT
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fsr-3296	573	4	.	.	PUNCT
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fsr-3296	574	4	.	.	NOUN
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fsr-3296	575	3	.	.	PUNCT
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fsr-3296	577	3	.	.	PUNCT
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fsr-3296	578	4	.	.	NOUN
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fsr-3296	579	3	df	df	NOUN
fsr-3296	579	4	.	.	PUNCT
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fsr-3296	580	10	5	5	NUM
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fsr-3296	580	39	.	.	X
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fsr-3296	580	41	6	6	NUM
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fsr-3296	580	44	36	36	NUM
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fsr-3296	580	54	.	.	PUNCT
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fsr-3296	580	58	.	.	PUNCT
fsr-3296	580	59	00	00	NUM
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fsr-3296	580	62	.	.	PUNCT
fsr-3296	580	63	00	00	NUM
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fsr-3296	580	66	.	.	PUNCT
fsr-3296	580	67	00	00	NUM
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fsr-3296	580	70	.	.	PUNCT
fsr-3296	580	71	00	00	NUM
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fsr-3296	580	74	.	.	PUNCT
fsr-3296	580	75	00	00	NUM
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fsr-3296	580	78	.	.	PUNCT
fsr-3296	580	79	00	00	NUM
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fsr-3296	580	82	.	.	PUNCT
fsr-3296	580	83	00	00	NUM
fsr-3296	580	84	0	0	NUM
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fsr-3296	581	4	:	:	PUNCT
fsr-3296	581	5	t	t	PROPN
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fsr-3296	581	9	e	e	NOUN
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fsr-3296	582	2	s	s	X
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fsr-3296	582	4	e	e	X
fsr-3296	582	5	re	re	X
fsr-3296	582	6	su	su	PROPN
fsr-3296	582	7	lts	lts	PROPN
fsr-3296	582	8	of	of	ADP
fsr-3296	582	9	ei	ei	X
fsr-3296	582	10	gh	gh	PROPN
fsr-3296	582	11	ti	ti	PROPN
fsr-3296	582	12	nt	not	PART
fsr-3296	582	13	er	er	INTJ
fsr-3296	582	14	ac	ac	PROPN
fsr-3296	582	15	tio	tio	PROPN
fsr-3296	582	16	n	n	X
fsr-3296	582	17	re	re	VERB
fsr-3296	582	18	gr	gr	ADV
fsr-3296	582	19	es	es	X
fsr-3296	582	20	si	si	X
fsr-3296	583	1	on	on	ADP
fsr-3296	583	2	s	s	X
fsr-3296	583	3	th	th	X
fsr-3296	583	4	at	at	ADP
fsr-3296	583	5	co	co	PROPN
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fsr-3296	583	10	to	to	ADP
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fsr-3296	583	12	e	e	X
fsr-3296	583	13	ei	ei	X
fsr-3296	583	14	gh	gh	PROPN
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fsr-3296	583	16	if	if	SCONJ
fsr-3296	583	17	fe	fe	X
fsr-3296	583	18	re	re	AUX
fsr-3296	583	19	nt	not	PART
fsr-3296	583	20	bo	bo	PROPN
fsr-3296	583	21	rr	rr	PROPN
fsr-3296	583	22	ow	ow	INTJ
fsr-3296	583	23	in	in	ADP
fsr-3296	583	24	g	g	PROPN
fsr-3296	583	25	in	in	ADP
fsr-3296	583	26	te	te	PROPN
fsr-3296	583	27	nt	not	PART
fsr-3296	583	28	io	io	X
fsr-3296	584	1	ns	ns	INTJ
fsr-3296	584	2	ex	ex	ADJ
fsr-3296	584	3	pl	pl	NOUN
fsr-3296	584	4	or	or	CCONJ
fsr-3296	584	5	ed	ed	NOUN
fsr-3296	584	6	in	in	ADP
fsr-3296	584	7	th	th	PROPN
fsr-3296	584	8	is	be	AUX
fsr-3296	584	9	st	st	PROPN
fsr-3296	584	10	ud	ud	PROPN
fsr-3296	584	11	y.	y.	PROPN
fsr-3296	584	12	in	in	ADP
fsr-3296	584	13	ea	ea	PROPN
fsr-3296	584	14	ch	ch	PROPN
fsr-3296	584	15	m	m	PROPN
fsr-3296	584	16	od	od	PROPN
fsr-3296	584	17	el	el	PROPN
fsr-3296	584	18	,	,	PUNCT
fsr-3296	584	19	w	w	PROPN
fsr-3296	584	20	e	e	PROPN
fsr-3296	584	21	in	in	ADP
fsr-3296	584	22	te	te	ADP
fsr-3296	584	23	ra	ra	PROPN
fsr-3296	584	24	ct	ct	INTJ
fsr-3296	584	25	th	th	X
fsr-3296	584	26	e	e	NOUN
fsr-3296	584	27	at	at	ADP
fsr-3296	584	28	tit	tit	NOUN
fsr-3296	584	29	ud	ud	ADP
fsr-3296	584	30	e	e	X
fsr-3296	584	31	to	to	ADP
fsr-3296	584	32	w	w	PROPN
fsr-3296	584	33	ar	ar	PROPN
fsr-3296	584	34	ds	ds	PROPN
fsr-3296	584	35	bo	bo	PROPN
fsr-3296	584	36	rr	rr	VERB
fsr-3296	585	1	ow	ow	INTJ
fsr-3296	585	2	in	in	ADP
fsr-3296	585	3	g	g	PROPN
fsr-3296	585	4	sc	sc	PROPN
fsr-3296	585	5	or	or	CCONJ
fsr-3296	585	6	e	e	PROPN
fsr-3296	585	7	(	(	PUNCT
fsr-3296	585	8	a	a	DET
fsr-3296	585	9	tt	tt	PROPN
fsr-3296	585	10	b	b	X
fsr-3296	585	11	o	o	X
fsr-3296	586	1	rr	rr	NOUN
fsr-3296	586	2	o	o	X
fsr-3296	586	3	w	w	PROPN
fsr-3296	586	4	)	)	PUNCT
fsr-3296	587	1	w	w	PROPN
fsr-3296	587	2	ith	ith	PROPN
fsr-3296	587	3	th	th	X
fsr-3296	587	4	e	e	X
fsr-3296	587	5	ne	ne	NOUN
fsr-3296	587	6	ed	ed	NOUN
fsr-3296	587	7	fo	fo	ADP
fsr-3296	587	8	r	r	NOUN
fsr-3296	587	9	m	m	NOUN
fsr-3296	587	10	at	at	ADP
fsr-3296	587	11	er	er	INTJ
fsr-3296	587	12	ia	ia	PROPN
fsr-3296	587	13	l	l	NOUN
fsr-3296	587	14	re	re	VERB
fsr-3296	587	15	so	so	ADV
fsr-3296	587	16	ur	ur	INTJ
fsr-3296	587	17	ce	ce	PROPN
fsr-3296	587	18	s	s	X
fsr-3296	587	19	(	(	PUNCT
fsr-3296	587	20	m	m	VERB
fsr-3296	587	21	at	at	ADP
fsr-3296	587	22	r	r	PROPN
fsr-3296	587	23	sc	sc	PROPN
fsr-3296	587	24	or	or	CCONJ
fsr-3296	587	25	e.	e.	PROPN
fsr-3296	587	26	sp	sp	ADP
fsr-3296	587	27	ec	ec	PROPN
fsr-3296	587	28	ifi	ifi	PROPN
fsr-3296	587	29	ca	can	AUX
fsr-3296	587	30	lly	lly	ADV
fsr-3296	587	31	,	,	PUNCT
fsr-3296	587	32	w	w	PROPN
fsr-3296	587	33	e	e	PROPN
fsr-3296	587	34	ru	ru	NOUN
fsr-3296	587	35	n	n	ADV
fsr-3296	587	36	th	th	X
fsr-3296	587	37	e	e	NOUN
fsr-3296	588	1	fo	fo	INTJ
fsr-3296	588	2	llo	llo	INTJ
fsr-3296	588	3	w	w	NOUN
fsr-3296	588	4	in	in	ADP
fsr-3296	588	5	g	g	PROPN
fsr-3296	588	6	m	m	PROPN
fsr-3296	588	7	od	od	PROPN
fsr-3296	588	8	el	el	PROPN
fsr-3296	588	9	s	s	PROPN
fsr-3296	588	10	:	:	PUNCT
fsr-3296	588	11	b	b	NOUN
fsr-3296	588	12	or	or	CCONJ
fsr-3296	588	13	ri	ri	PROPN
fsr-3296	588	14	nt	not	PART
fsr-3296	588	15	n	n	PROPN
fsr-3296	588	16	�	�	PROPN
fsr-3296	588	17	c	c	PROPN
fsr-3296	588	18	�	�	PROPN
fsr-3296	588	19	�	�	PROPN
fsr-3296	588	20	1	1	NUM
fsr-3296	588	21	m	m	NOUN
fsr-3296	588	22	at	at	ADP
fsr-3296	588	23	r	r	PROPN
fsr-3296	588	24	�	�	PROPN
fsr-3296	588	25	�	�	PROPN
fsr-3296	588	26	2	2	NUM
fsr-3296	588	27	a	a	PRON
fsr-3296	588	28	tt	tt	PROPN
fsr-3296	588	29	b	b	X
fsr-3296	588	30	o	o	PROPN
fsr-3296	588	31	rr	rr	NOUN
fsr-3296	588	32	o	o	PROPN
fsr-3296	588	33	w	w	PROPN
fsr-3296	588	34	�	�	PROPN
fsr-3296	588	35	�	�	PROPN
fsr-3296	588	36	3	3	NUM
fsr-3296	588	37	�	�	PROPN
fsr-3296	588	38	m	m	VERB
fsr-3296	588	39	at	at	ADP
fsr-3296	588	40	r	r	PROPN
fsr-3296	588	41	�	�	PROPN
fsr-3296	588	42	a	a	PRON
fsr-3296	588	43	tt	tt	PROPN
fsr-3296	588	44	b	b	PROPN
fsr-3296	588	45	o	o	X
fsr-3296	588	46	rr	rr	NOUN
fsr-3296	588	47	o	o	X
fsr-3296	588	48	w	w	PROPN
fsr-3296	588	49	�	�	PROPN
fsr-3296	588	50	b	b	PROPN
fsr-3296	588	51	or	or	CCONJ
fsr-3296	588	52	ri	ri	PROPN
fsr-3296	588	53	nt	not	PART
fsr-3296	588	54	n	n	PROPN
fsr-3296	588	55	is	be	AUX
fsr-3296	588	56	th	th	X
fsr-3296	588	57	e	e	X
fsr-3296	588	58	bo	bo	PROPN
fsr-3296	588	59	rr	rr	PROPN
fsr-3296	588	60	ow	ow	INTJ
fsr-3296	588	61	in	in	ADP
fsr-3296	588	62	g	g	PROPN
fsr-3296	588	63	in	in	ADP
fsr-3296	588	64	te	te	PROPN
fsr-3296	588	65	nt	not	PART
fsr-3296	588	66	io	io	PROPN
fsr-3296	588	67	n	n	PROPN
fsr-3296	589	1	va	va	PROPN
fsr-3296	589	2	ri	ri	PROPN
fsr-3296	589	3	ab	ab	PROPN
fsr-3296	589	4	le	le	X
fsr-3296	589	5	th	th	PROPN
fsr-3296	589	6	at	at	ADP
fsr-3296	589	7	ca	can	AUX
fsr-3296	589	8	pt	pt	INTJ
fsr-3296	589	9	ur	ur	INTJ
fsr-3296	589	10	es	es	X
fsr-3296	589	11	th	th	X
fsr-3296	589	12	e	e	X
fsr-3296	589	13	re	re	ADP
fsr-3296	589	14	sp	sp	ADP
fsr-3296	589	15	on	on	ADP
fsr-3296	589	16	de	de	X
fsr-3296	589	17	nt	nt	NOUN
fsr-3296	589	18	s	s	PART
fsr-3296	589	19	’	'	PUNCT
fsr-3296	589	20	in	in	ADP
fsr-3296	589	21	te	te	PROPN
fsr-3296	589	22	nt	not	PART
fsr-3296	589	23	io	io	PROPN
fsr-3296	589	24	n	n	PART
fsr-3296	589	25	to	to	ADP
fsr-3296	589	26	us	we	PRON
fsr-3296	589	27	e	e	PROPN
fsr-3296	589	28	a	a	PROPN
fsr-3296	589	29	ce	ce	PROPN
fsr-3296	589	30	rt	rt	PROPN
fsr-3296	589	31	ai	ai	VERB
fsr-3296	589	32	n	n	ADV
fsr-3296	589	33	ty	ty	INTJ
fsr-3296	589	34	pe	pe	INTJ
fsr-3296	589	35	of	of	ADP
fsr-3296	589	36	bo	bo	PROPN
fsr-3296	589	37	rr	rr	PROPN
fsr-3296	589	38	ow	ow	INTJ
fsr-3296	589	39	in	in	ADP
fsr-3296	589	40	g.	g.	PROPN
fsr-3296	589	41	t	t	PROPN
fsr-3296	589	42	he	he	PRON
fsr-3296	589	43	in	in	ADP
fsr-3296	589	44	tr	tr	PROPN
fsr-3296	589	45	od	od	PROPN
fsr-3296	589	46	uc	uc	PROPN
fsr-3296	589	47	tio	tio	PROPN
fsr-3296	589	48	n	n	PROPN
fsr-3296	589	49	of	of	ADP
fsr-3296	589	50	an	an	DET
fsr-3296	589	51	in	in	ADP
fsr-3296	589	52	te	te	ADP
fsr-3296	589	53	ra	ra	PROPN
fsr-3296	589	54	ct	ct	PROPN
fsr-3296	589	55	io	io	PROPN
fsr-3296	589	56	n	n	PROPN
fsr-3296	589	57	te	te	ADP
fsr-3296	589	58	rm	rm	NOUN
fsr-3296	589	59	in	in	ADP
fsr-3296	589	60	a	a	DET
fsr-3296	589	61	re	re	NOUN
fsr-3296	589	62	gr	gr	NOUN
fsr-3296	589	63	es	es	X
fsr-3296	589	64	si	si	X
fsr-3296	589	65	on	on	ADP
fsr-3296	589	66	ca	can	AUX
fsr-3296	589	67	lls	ll	VERB
fsr-3296	589	68	fo	fo	INTJ
fsr-3296	589	69	r	r	NOUN
fsr-3296	589	70	a	a	DET
fsr-3296	589	71	ca	ca	NOUN
fsr-3296	589	72	re	re	ADP
fsr-3296	589	73	fu	fu	PROPN
fsr-3296	589	74	li	li	PROPN
fsr-3296	590	1	nt	not	PART
fsr-3296	590	2	er	er	INTJ
fsr-3296	590	3	pr	pr	VERB
fsr-3296	590	4	et	et	NOUN
fsr-3296	590	5	at	at	ADP
fsr-3296	590	6	io	io	PROPN
fsr-3296	590	7	n	n	PROPN
fsr-3296	590	8	of	of	ADP
fsr-3296	590	9	th	th	X
fsr-3296	590	10	e	e	X
fsr-3296	590	11	co	co	X
fsr-3296	590	12	ef	ef	PROPN
fsr-3296	590	13	fic	fic	PROPN
fsr-3296	590	14	ie	ie	X
fsr-3296	590	15	nt	not	PART
fsr-3296	590	16	s	s	X
fsr-3296	590	17	on	on	ADV
fsr-3296	590	18	th	th	X
fsr-3296	590	19	e	e	NOUN
fsr-3296	591	1	ot	ot	INTJ
fsr-3296	591	2	he	he	PRON
fsr-3296	591	3	r	r	PROPN
fsr-3296	591	4	va	va	PROPN
fsr-3296	591	5	ri	ri	PROPN
fsr-3296	591	6	ab	ab	PROPN
fsr-3296	591	7	le	le	PROPN
fsr-3296	591	8	s.	s.	PROPN
fsr-3296	591	9	t	t	PROPN
fsr-3296	591	10	he	he	PRON
fsr-3296	591	11	in	in	ADP
fsr-3296	591	12	te	te	ADP
fsr-3296	591	13	ra	ra	PROPN
fsr-3296	591	14	ct	ct	PROPN
fsr-3296	591	15	io	io	PROPN
fsr-3296	591	16	n	n	PROPN
fsr-3296	591	17	te	te	X
fsr-3296	591	18	rm	rm	PROPN
fsr-3296	591	19	m	m	PROPN
fsr-3296	591	20	at	at	ADP
fsr-3296	591	21	r	r	PROPN
fsr-3296	591	22	�	�	PROPN
fsr-3296	591	23	a	a	DET
fsr-3296	591	24	tt	tt	PROPN
fsr-3296	591	25	b	b	PROPN
fsr-3296	592	1	o	o	PROPN
fsr-3296	592	2	rr	rr	NOUN
fsr-3296	593	1	o	o	X
fsr-3296	594	1	w	w	NOUN
fsr-3296	594	2	ca	can	AUX
fsr-3296	594	3	pt	pt	INTJ
fsr-3296	594	4	ur	ur	INTJ
fsr-3296	594	5	es	es	X
fsr-3296	594	6	th	th	X
fsr-3296	594	7	e	e	NOUN
fsr-3296	594	8	in	in	ADP
fsr-3296	594	9	cr	cr	PROPN
fsr-3296	594	10	em	em	PRON
fsr-3296	594	11	en	en	INTJ
fsr-3296	594	12	ta	ta	X
fsr-3296	594	13	l	l	PROPN
fsr-3296	594	14	ef	ef	X
fsr-3296	594	15	fe	fe	X
fsr-3296	594	16	ct	ct	INTJ
fsr-3296	594	17	of	of	ADP
fsr-3296	594	18	th	th	X
fsr-3296	594	19	e	e	NOUN
fsr-3296	594	20	at	at	ADP
fsr-3296	594	21	tit	tit	NOUN
fsr-3296	594	22	ud	ud	ADP
fsr-3296	594	23	e	e	X
fsr-3296	594	24	to	to	ADP
fsr-3296	594	25	w	w	PROPN
fsr-3296	594	26	ar	ar	PROPN
fsr-3296	594	27	ds	ds	PROPN
fsr-3296	594	28	bo	bo	PROPN
fsr-3296	594	29	rr	rr	VERB
fsr-3296	595	1	ow	ow	INTJ
fsr-3296	595	2	in	in	ADP
fsr-3296	595	3	g	g	PROPN
fsr-3296	595	4	on	on	ADP
fsr-3296	595	5	th	th	NUM
fsr-3296	595	6	e	e	NOUN
fsr-3296	595	7	in	in	ADP
fsr-3296	595	8	te	te	PROPN
fsr-3296	595	9	nt	not	PART
fsr-3296	595	10	io	io	PROPN
fsr-3296	595	11	n	n	PART
fsr-3296	595	12	to	to	PART
fsr-3296	595	13	bo	bo	VERB
fsr-3296	595	14	rr	rr	VERB
fsr-3296	596	1	ow	ow	INTJ
fsr-3296	596	2	fo	fo	ADP
fsr-3296	596	3	r	r	NOUN
fsr-3296	596	4	in	in	ADP
fsr-3296	596	5	di	di	X
fsr-3296	596	6	vi	vi	PROPN
fsr-3296	596	7	du	du	PROPN
fsr-3296	596	8	al	al	PROPN
fsr-3296	596	9	s	s	PROPN
fsr-3296	597	1	w	w	PROPN
fsr-3296	597	2	ith	ith	PROPN
fsr-3296	597	3	gr	gr	PROPN
fsr-3296	597	4	ea	ea	X
fsr-3296	597	5	te	te	PROPN
fsr-3296	597	6	r	r	NOUN
fsr-3296	597	7	ne	ne	NOUN
fsr-3296	597	8	ed	ed	NOUN
fsr-3296	597	9	fo	fo	ADP
fsr-3296	597	10	r	r	NOUN
fsr-3296	597	11	m	m	NOUN
fsr-3296	597	12	at	at	ADP
fsr-3296	597	13	er	er	INTJ
fsr-3296	597	14	ia	ia	PROPN
fsr-3296	597	15	lr	lr	X
fsr-3296	597	16	es	es	X
fsr-3296	597	17	ou	ou	X
fsr-3296	597	18	rc	rc	PROPN
fsr-3296	597	19	es	es	PROPN
fsr-3296	597	20	.a	.a	PROPN
fsr-3296	598	1	si	si	PROPN
fsr-3296	598	2	gn	gn	PROPN
fsr-3296	598	3	ifi	ifi	PROPN
fsr-3296	598	4	ca	can	AUX
fsr-3296	598	5	nt	not	PART
fsr-3296	598	6	ly	ly	VERB
fsr-3296	598	7	po	po	NOUN
fsr-3296	598	8	si	si	PROPN
fsr-3296	598	9	tiv	tiv	PROPN
fsr-3296	598	10	e	e	PROPN
fsr-3296	598	11	co	co	X
fsr-3296	598	12	ef	ef	PROPN
fsr-3296	598	13	fic	fic	PROPN
fsr-3296	598	14	ie	ie	PROPN
fsr-3296	598	15	nt	not	PART
fsr-3296	598	16	�	�	PROPN
fsr-3296	598	17	3	3	NUM
fsr-3296	599	1	i	i	PRON
fsr-3296	599	2	m	m	VERB
fsr-3296	599	3	pl	pl	VERB
fsr-3296	599	4	ie	ie	X
fsr-3296	599	5	s	s	PART
fsr-3296	599	6	th	th	X
fsr-3296	599	7	at	at	ADP
fsr-3296	599	8	th	th	X
fsr-3296	599	9	e	e	X
fsr-3296	599	10	ne	ne	NOUN
fsr-3296	599	11	ed	ed	NOUN
fsr-3296	600	1	fo	fo	ADP
fsr-3296	600	2	r	r	NOUN
fsr-3296	600	3	m	m	NOUN
fsr-3296	600	4	at	at	ADP
fsr-3296	600	5	er	er	INTJ
fsr-3296	600	6	ia	ia	PROPN
fsr-3296	600	7	l	l	NOUN
fsr-3296	600	8	re	re	VERB
fsr-3296	600	9	so	so	ADV
fsr-3296	600	10	ur	ur	INTJ
fsr-3296	600	11	ce	ce	PROPN
fsr-3296	600	12	s	s	PROPN
fsr-3296	600	13	af	af	PROPN
fsr-3296	600	14	fe	fe	X
fsr-3296	600	15	ct	ct	PROPN
fsr-3296	600	16	ho	ho	PROPN
fsr-3296	600	17	w	w	X
fsr-3296	600	18	th	th	X
fsr-3296	600	19	e	e	NOUN
fsr-3296	600	20	at	at	ADP
fsr-3296	600	21	tit	tit	NOUN
fsr-3296	600	22	ud	ud	ADP
fsr-3296	600	23	e	e	X
fsr-3296	600	24	to	to	ADP
fsr-3296	600	25	w	w	PROPN
fsr-3296	600	26	ar	ar	PROPN
fsr-3296	600	27	ds	ds	PROPN
fsr-3296	600	28	bo	bo	PROPN
fsr-3296	600	29	rr	rr	VERB
fsr-3296	600	30	ow	ow	INTJ
fsr-3296	600	31	in	in	ADP
fsr-3296	600	32	g	g	PROPN
fsr-3296	600	33	ch	ch	NOUN
fsr-3296	600	34	an	an	DET
fsr-3296	600	35	ge	ge	PROPN
fsr-3296	600	36	s	s	VERB
fsr-3296	600	37	on	on	ADP
fsr-3296	600	38	e	e	NOUN
fsr-3296	600	39	’	'	PUNCT
fsr-3296	600	40	s	s	VERB
fsr-3296	600	41	in	in	ADP
fsr-3296	600	42	te	te	PROPN
fsr-3296	600	43	nt	not	PART
fsr-3296	600	44	io	io	PROPN
fsr-3296	600	45	n	n	PART
fsr-3296	600	46	to	to	PART
fsr-3296	600	47	bo	bo	VERB
fsr-3296	600	48	rr	rr	VERB
fsr-3296	601	1	ow	ow	INTJ
fsr-3296	601	2	,	,	PUNCT
fsr-3296	601	3	t	t	PROPN
fsr-3296	601	4	ha	ha	INTJ
fsr-3296	601	5	t	t	PROPN
fsr-3296	601	6	is	be	AUX
fsr-3296	601	7	,	,	PUNCT
fsr-3296	601	8	a	a	DET
fsr-3296	601	9	si	si	PROPN
fsr-3296	601	10	gn	gn	PROPN
fsr-3296	601	11	ifi	ifi	PROPN
fsr-3296	601	12	ca	can	AUX
fsr-3296	601	13	nt	not	PART
fsr-3296	601	14	ly	ly	VERB
fsr-3296	601	15	po	po	NOUN
fsr-3296	601	16	si	si	PROPN
fsr-3296	601	17	tiv	tiv	PROPN
fsr-3296	601	18	e	e	PROPN
fsr-3296	601	19	�	�	PROPN
fsr-3296	601	20	3	3	NUM
fsr-3296	601	21	le	le	X
fsr-3296	601	22	ad	ad	NOUN
fsr-3296	601	23	s	s	NOUN
fsr-3296	601	24	to	to	PART
fsr-3296	601	25	th	th	ADP
fsr-3296	601	26	e	e	X
fsr-3296	601	27	co	co	PROPN
fsr-3296	601	28	nc	nc	PROPN
fsr-3296	601	29	lu	lu	PROPN
fsr-3296	601	30	si	si	PROPN
fsr-3296	601	31	on	on	ADP
fsr-3296	601	32	th	th	X
fsr-3296	601	33	at	at	ADP
fsr-3296	601	34	th	th	X
fsr-3296	601	35	e	e	NOUN
fsr-3296	601	36	at	at	ADP
fsr-3296	601	37	tit	tit	NOUN
fsr-3296	601	38	ud	ud	ADP
fsr-3296	601	39	e	e	X
fsr-3296	601	40	to	to	ADP
fsr-3296	601	41	w	w	PROPN
fsr-3296	601	42	ar	ar	PROPN
fsr-3296	601	43	ds	ds	PROPN
fsr-3296	601	44	bo	bo	PROPN
fsr-3296	601	45	rr	rr	VERB
fsr-3296	602	1	ow	ow	INTJ
fsr-3296	602	2	in	in	ADP
fsr-3296	602	3	g	g	PROPN
fsr-3296	602	4	yi	yi	PROPN
fsr-3296	602	5	el	el	PROPN
fsr-3296	602	6	ds	ds	PROPN
fsr-3296	602	7	a	a	DET
fsr-3296	602	8	st	st	PROPN
fsr-3296	602	9	ro	ro	PROPN
fsr-3296	602	10	ng	ng	PROPN
fsr-3296	603	1	er	er	INTJ
fsr-3296	603	2	in	in	ADP
fsr-3296	603	3	te	te	PROPN
fsr-3296	603	4	nt	not	PART
fsr-3296	603	5	io	io	PROPN
fsr-3296	603	6	n	n	PART
fsr-3296	603	7	to	to	PART
fsr-3296	603	8	bo	bo	VERB
fsr-3296	603	9	rr	rr	VERB
fsr-3296	604	1	ow	ow	INTJ
fsr-3296	604	2	fo	fo	ADP
fsr-3296	604	3	r	r	NOUN
fsr-3296	604	4	in	in	ADP
fsr-3296	604	5	di	di	X
fsr-3296	604	6	vi	vi	PROPN
fsr-3296	604	7	du	du	PROPN
fsr-3296	604	8	al	al	PROPN
fsr-3296	604	9	s	s	PROPN
fsr-3296	605	1	w	w	PROPN
fsr-3296	605	2	ith	ith	PROPN
fsr-3296	605	3	gr	gr	PROPN
fsr-3296	605	4	ea	ea	X
fsr-3296	605	5	te	te	PROPN
fsr-3296	605	6	r	r	NOUN
fsr-3296	605	7	ne	ne	NOUN
fsr-3296	605	8	ed	ed	NOUN
fsr-3296	605	9	fo	fo	ADP
fsr-3296	605	10	r	r	NOUN
fsr-3296	605	11	m	m	NOUN
fsr-3296	605	12	at	at	ADP
fsr-3296	605	13	er	er	INTJ
fsr-3296	605	14	ia	ia	PROPN
fsr-3296	605	15	l	l	NOUN
fsr-3296	605	16	re	re	VERB
fsr-3296	605	17	so	so	ADV
fsr-3296	605	18	ur	ur	PROPN
fsr-3296	605	19	ce	ce	PROPN
fsr-3296	605	20	s.	s.	PROPN
fsr-3296	605	21	�	�	PROPN
fsr-3296	605	22	2	2	NUM
fsr-3296	605	23	m	m	PROPN
fsr-3296	605	24	ea	ea	NOUN
fsr-3296	605	25	su	su	PROPN
fsr-3296	605	26	re	re	PROPN
fsr-3296	605	27	s	s	PROPN
fsr-3296	605	28	th	th	X
fsr-3296	605	29	e	e	X
fsr-3296	606	1	i	i	PRON
fsr-3296	606	2	m	m	VERB
fsr-3296	606	3	pa	pa	PROPN
fsr-3296	606	4	ct	ct	NUM
fsr-3296	606	5	of	of	ADP
fsr-3296	606	6	th	th	X
fsr-3296	606	7	e	e	NOUN
fsr-3296	606	8	at	at	ADP
fsr-3296	606	9	tit	tit	NOUN
fsr-3296	606	10	ud	ud	ADP
fsr-3296	606	11	e	e	X
fsr-3296	606	12	to	to	ADP
fsr-3296	606	13	w	w	PROPN
fsr-3296	606	14	ar	ar	PROPN
fsr-3296	606	15	ds	ds	PROPN
fsr-3296	606	16	bo	bo	PROPN
fsr-3296	606	17	rr	rr	VERB
fsr-3296	606	18	ow	ow	INTJ
fsr-3296	606	19	in	in	ADP
fsr-3296	606	20	g	g	PROPN
fsr-3296	606	21	on	on	ADP
fsr-3296	606	22	th	th	NUM
fsr-3296	606	23	e	e	NOUN
fsr-3296	606	24	in	in	ADP
fsr-3296	606	25	te	te	PROPN
fsr-3296	606	26	nt	not	PART
fsr-3296	606	27	io	io	PROPN
fsr-3296	606	28	n	n	PART
fsr-3296	606	29	to	to	PART
fsr-3296	606	30	bo	bo	VERB
fsr-3296	606	31	rr	rr	VERB
fsr-3296	607	1	ow	ow	INTJ
fsr-3296	607	2	in	in	ADP
fsr-3296	607	3	th	th	X
fsr-3296	607	4	e	e	X
fsr-3296	607	5	ab	ab	PROPN
fsr-3296	607	6	se	se	PROPN
fsr-3296	607	7	nc	nc	PROPN
fsr-3296	607	8	e	e	PROPN
fsr-3296	607	9	of	of	ADP
fsr-3296	607	10	a	a	DET
fsr-3296	607	11	ne	ne	NOUN
fsr-3296	607	12	ed	ed	NOUN
fsr-3296	607	13	fo	fo	ADP
fsr-3296	607	14	r	r	NOUN
fsr-3296	607	15	m	m	NOUN
fsr-3296	607	16	at	at	ADP
fsr-3296	607	17	er	er	INTJ
fsr-3296	607	18	ia	ia	PROPN
fsr-3296	607	19	lr	lr	X
fsr-3296	607	20	es	es	X
fsr-3296	607	21	ou	ou	X
fsr-3296	607	22	rc	rc	PROPN
fsr-3296	607	23	es	es	PROPN
fsr-3296	607	24	.	.	PUNCT
fsr-3296	608	1	�	�	PROPN
fsr-3296	608	2	1	1	NUM
fsr-3296	608	3	m	m	PROPN
fsr-3296	608	4	ea	ea	NOUN
fsr-3296	608	5	su	su	PROPN
fsr-3296	608	6	re	re	PROPN
fsr-3296	608	7	s	s	PROPN
fsr-3296	608	8	th	th	X
fsr-3296	608	9	e	e	X
fsr-3296	609	1	i	i	PRON
fsr-3296	609	2	m	m	VERB
fsr-3296	609	3	pa	pa	PROPN
fsr-3296	609	4	ct	ct	NUM
fsr-3296	609	5	of	of	ADP
fsr-3296	609	6	th	th	X
fsr-3296	609	7	e	e	X
fsr-3296	609	8	ne	ne	NOUN
fsr-3296	610	1	ed	ed	NOUN
fsr-3296	611	1	fo	fo	ADP
fsr-3296	611	2	r	r	NOUN
fsr-3296	611	3	m	m	NOUN
fsr-3296	611	4	at	at	ADP
fsr-3296	611	5	er	er	INTJ
fsr-3296	611	6	ia	ia	PROPN
fsr-3296	611	7	lr	lr	X
fsr-3296	611	8	es	es	X
fsr-3296	611	9	ou	ou	X
fsr-3296	611	10	rc	rc	PROPN
fsr-3296	611	11	es	es	PROPN
fsr-3296	611	12	on	on	ADP
fsr-3296	611	13	th	th	NUM
fsr-3296	611	14	e	e	NOUN
fsr-3296	611	15	in	in	ADP
fsr-3296	611	16	te	te	PROPN
fsr-3296	611	17	nt	not	PART
fsr-3296	611	18	io	io	PROPN
fsr-3296	611	19	n	n	PART
fsr-3296	611	20	to	to	PART
fsr-3296	611	21	bo	bo	VERB
fsr-3296	611	22	rr	rr	VERB
fsr-3296	612	1	ow	ow	INTJ
fsr-3296	612	2	w	w	VERB
fsr-3296	612	3	he	he	PRON
fsr-3296	612	4	n	n	ADV
fsr-3296	612	5	th	th	X
fsr-3296	612	6	e	e	NOUN
fsr-3296	612	7	at	at	ADP
fsr-3296	612	8	tit	tit	NOUN
fsr-3296	612	9	ud	ud	ADP
fsr-3296	612	10	e	e	X
fsr-3296	612	11	to	to	ADP
fsr-3296	612	12	w	w	PROPN
fsr-3296	612	13	ar	ar	PROPN
fsr-3296	612	14	ds	ds	PROPN
fsr-3296	612	15	bo	bo	PROPN
fsr-3296	612	16	rr	rr	VERB
fsr-3296	613	1	ow	ow	INTJ
fsr-3296	613	2	in	in	ADP
fsr-3296	613	3	g	g	PROPN
fsr-3296	613	4	is	be	AUX
fsr-3296	613	5	ze	ze	PROPN
fsr-3296	613	6	ro	ro	X
fsr-3296	613	7	.t	.t	PROPN
fsr-3296	614	1	he	he	PRON
fsr-3296	614	2	re	re	VERB
fsr-3296	614	3	fo	fo	ADP
fsr-3296	614	4	re	re	PROPN
fsr-3296	614	5	,	,	PUNCT
fsr-3296	614	6	t	t	PROPN
fsr-3296	614	7	he	he	PRON
fsr-3296	614	8	�	�	PROPN
fsr-3296	614	9	3	3	NUM
fsr-3296	614	10	co	co	X
fsr-3296	614	11	ef	ef	PROPN
fsr-3296	614	12	fic	fic	PROPN
fsr-3296	614	13	ie	ie	PROPN
fsr-3296	614	14	nt	not	PART
fsr-3296	614	15	su	su	PROPN
fsr-3296	615	1	pp	pp	ADV
fsr-3296	615	2	lie	lie	NOUN
fsr-3296	615	3	s	s	VERB
fsr-3296	615	4	a	a	DET
fsr-3296	615	5	di	di	X
fsr-3296	615	6	re	re	ADP
fsr-3296	615	7	ct	ct	NOUN
fsr-3296	615	8	te	te	PROPN
fsr-3296	615	9	st	st	PROPN
fsr-3296	616	1	fo	fo	INTJ
fsr-3296	616	2	r	r	NOUN
fsr-3296	616	3	h	h	NOUN
fsr-3296	617	1	yp	yp	NOUN
fsr-3296	617	2	ot	ot	VERB
fsr-3296	617	3	he	he	PRON
fsr-3296	617	4	si	si	PROPN
fsr-3296	617	5	s	s	PROPN
fsr-3296	617	6	3a	3a	NUM
fsr-3296	617	7	an	an	DET
fsr-3296	617	8	d	d	X
fsr-3296	617	9	th	th	X
fsr-3296	617	10	e	e	X
fsr-3296	617	11	�	�	PROPN
fsr-3296	617	12	1	1	NUM
fsr-3296	617	13	co	co	X
fsr-3296	617	14	ef	ef	PROPN
fsr-3296	617	15	fic	fic	PROPN
fsr-3296	617	16	ie	ie	PROPN
fsr-3296	617	17	nt	nt	PROPN
fsr-3296	617	18	s	s	PROPN
fsr-3296	618	1	su	su	PROPN
fsr-3296	618	2	pp	pp	ADV
fsr-3296	618	3	ly	ly	ADP
fsr-3296	618	4	ad	ad	NOUN
fsr-3296	618	5	di	di	NOUN
fsr-3296	618	6	tio	tio	NOUN
fsr-3296	618	7	na	na	NOUN
fsr-3296	618	8	l	l	NOUN
fsr-3296	618	9	te	te	ADP
fsr-3296	618	10	st	st	PROPN
fsr-3296	619	1	in	in	ADP
fsr-3296	619	2	g	g	PROPN
fsr-3296	619	3	of	of	ADP
fsr-3296	619	4	h	h	NOUN
fsr-3296	620	1	yp	yp	PROPN
fsr-3296	620	2	ot	ot	VERB
fsr-3296	620	3	he	he	PRON
fsr-3296	620	4	si	si	PROPN
fsr-3296	620	5	s	s	X
fsr-3296	620	6	1a	1a	PROPN
fsr-3296	620	7	.	.	PUNCT
fsr-3296	621	1	a	a	DET
fsr-3296	621	2	st	st	PROPN
fsr-3296	621	3	er	er	INTJ
fsr-3296	621	4	is	be	AUX
fsr-3296	621	5	ks	ks	PROPN
fsr-3296	621	6	de	de	PROPN
fsr-3296	621	7	no	no	PROPN
fsr-3296	621	8	te	te	INTJ
fsr-3296	621	9	st	st	PROPN
fsr-3296	621	10	at	at	SCONJ
fsr-3296	621	11	is	be	AUX
fsr-3296	621	12	tic	tic	ADJ
fsr-3296	621	13	al	al	PROPN
fsr-3296	621	14	si	si	PROPN
fsr-3296	621	15	gn	gn	PROPN
fsr-3296	621	16	ifi	ifi	PROPN
fsr-3296	621	17	ca	ca	PROPN
fsr-3296	621	18	nc	nc	PROPN
fsr-3296	621	19	e	e	PROPN
fsr-3296	621	20	at	at	ADP
fsr-3296	621	21	th	th	X
fsr-3296	621	22	e	e	NOUN
fsr-3296	621	23	1	1	NUM
fsr-3296	621	24	%	%	NOUN
fsr-3296	621	25	(	(	PUNCT
fsr-3296	621	26	*	*	PUNCT
fsr-3296	621	27	*	*	PUNCT
fsr-3296	621	28	*	*	PUNCT
fsr-3296	621	29	)	)	PUNCT
fsr-3296	621	30	,	,	PUNCT
fsr-3296	621	31	5	5	NUM
fsr-3296	621	32	%	%	NOUN
fsr-3296	621	33	(	(	PUNCT
fsr-3296	621	34	*	*	PUNCT
fsr-3296	621	35	*	*	PUNCT
fsr-3296	621	36	)	)	PUNCT
fsr-3296	621	37	,	,	PUNCT
fsr-3296	621	38	or	or	CCONJ
fsr-3296	621	39	10	10	NUM
fsr-3296	621	40	%	%	NOUN
fsr-3296	621	41	(	(	PUNCT
fsr-3296	621	42	*	*	PUNCT
fsr-3296	621	43	)	)	PUNCT
fsr-3296	621	44	le	le	X
fsr-3296	621	45	ve	ve	PROPN
fsr-3296	621	46	l.	l.	PROPN
fsr-3296	621	47	77a	77a	PROPN
fsr-3296	621	48	.	.	PUNCT
fsr-3296	622	1	yazdanparast	yazdanparast	NOUN
fsr-3296	622	2	,	,	PUNCT
fsr-3296	622	3	y.	y.	PROPN
fsr-3296	622	4	alhenawi	alhenawi	PROPN
fsr-3296	622	5	/	/	SYM
fsr-3296	622	6	financial	financial	ADJ
fsr-3296	622	7	services	service	NOUN
fsr-3296	622	8	review	review	VERB
fsr-3296	622	9	26	26	NUM
fsr-3296	622	10	(	(	PUNCT
fsr-3296	622	11	2017	2017	NUM
fsr-3296	622	12	)	)	PUNCT
fsr-3296	622	13	55–85	55–85	NUM
fsr-3296	622	14	t	t	PROPN
fsr-3296	622	15	ab	ab	PROPN
fsr-3296	622	16	le	le	X
fsr-3296	622	17	4	4	NUM
fsr-3296	622	18	r	r	NOUN
fsr-3296	622	19	eg	eg	NOUN
fsr-3296	622	20	re	re	NOUN
fsr-3296	622	21	ss	ss	PROPN
fsr-3296	622	22	io	io	PROPN
fsr-3296	622	23	n	n	PROPN
fsr-3296	622	24	an	an	PROPN
fsr-3296	622	25	al	al	PROPN
fsr-3296	622	26	ys	ys	PROPN
fsr-3296	622	27	es	es	PROPN
fsr-3296	622	28	w	w	PROPN
fsr-3296	622	29	ith	ith	PROPN
fsr-3296	622	30	in	in	ADP
fsr-3296	622	31	te	te	ADP
fsr-3296	622	32	ra	ra	PROPN
fsr-3296	622	33	ct	ct	PROPN
fsr-3296	622	34	io	io	PROPN
fsr-3296	622	35	n	n	PROPN
fsr-3296	622	36	te	te	ADP
fsr-3296	622	37	rm	rm	PROPN
fsr-3296	622	38	s	s	PROPN
fsr-3296	622	39	–	–	PUNCT
fsr-3296	622	40	t	t	NUM
fsr-3296	623	1	he	he	PRON
fsr-3296	623	2	ne	ne	VERB
fsr-3296	624	1	ed	ed	NOUN
fsr-3296	625	1	fo	fo	ADP
fsr-3296	625	2	r	r	PROPN
fsr-3296	625	3	ar	ar	PROPN
fsr-3296	625	4	ou	ou	PROPN
fsr-3296	625	5	sa	sa	PROPN
fsr-3296	625	6	l	l	PROPN
fsr-3296	625	7	(	(	PUNCT
fsr-3296	625	8	1	1	X
fsr-3296	625	9	)	)	PUNCT
fsr-3296	625	10	c	c	NOUN
fsr-3296	625	11	re	re	ADP
fsr-3296	625	12	di	di	PROPN
fsr-3296	625	13	t	t	PROPN
fsr-3296	625	14	ca	can	AUX
fsr-3296	625	15	rd	rd	PROPN
fsr-3296	625	16	(	(	PUNCT
fsr-3296	625	17	2	2	X
fsr-3296	625	18	)	)	PUNCT
fsr-3296	625	19	m	m	VERB
fsr-3296	625	20	or	or	CCONJ
fsr-3296	625	21	tg	tg	PROPN
fsr-3296	625	22	ag	ag	PROPN
fsr-3296	625	23	e	e	PROPN
fsr-3296	625	24	(	(	PUNCT
fsr-3296	625	25	3	3	X
fsr-3296	625	26	)	)	PUNCT
fsr-3296	625	27	h	h	NOUN
fsr-3296	625	28	om	om	NOUN
fsr-3296	625	29	e	e	PROPN
fsr-3296	626	1	i	i	PRON
fsr-3296	626	2	m	m	VERB
fsr-3296	626	3	pr	pr	INTJ
fsr-3296	627	1	ov	ov	INTJ
fsr-3296	627	2	em	em	PRON
fsr-3296	627	3	en	en	INTJ
fsr-3296	627	4	t	t	X
fsr-3296	627	5	lo	lo	PROPN
fsr-3296	627	6	an	an	DET
fsr-3296	627	7	(	(	PUNCT
fsr-3296	627	8	4	4	NUM
fsr-3296	627	9	)	)	PUNCT
fsr-3296	627	10	b	b	NOUN
fsr-3296	627	11	us	we	PRON
fsr-3296	627	12	in	in	ADP
fsr-3296	627	13	es	es	X
fsr-3296	627	14	s	s	VERB
fsr-3296	627	15	lo	lo	NOUN
fsr-3296	627	16	an	an	DET
fsr-3296	627	17	(	(	PUNCT
fsr-3296	627	18	5	5	NUM
fsr-3296	627	19	)	)	PUNCT
fsr-3296	627	20	a	a	DET
fsr-3296	627	21	ut	ut	PROPN
fsr-3296	627	22	om	om	PROPN
fsr-3296	627	23	ob	ob	INTJ
fsr-3296	628	1	ile	ile	PROPN
fsr-3296	628	2	(	(	PUNCT
fsr-3296	628	3	6	6	NUM
fsr-3296	628	4	)	)	PUNCT
fsr-3296	628	5	st	st	PROPN
fsr-3296	629	1	ud	ud	INTJ
fsr-3296	629	2	en	en	PROPN
fsr-3296	629	3	t	t	PROPN
fsr-3296	629	4	lo	lo	PROPN
fsr-3296	629	5	an	an	DET
fsr-3296	629	6	(	(	PUNCT
fsr-3296	629	7	7	7	NUM
fsr-3296	629	8	)	)	PUNCT
fsr-3296	629	9	pe	pe	VERB
fsr-3296	629	10	rs	rs	NOUN
fsr-3296	629	11	on	on	ADP
fsr-3296	629	12	al	al	PROPN
fsr-3296	629	13	lo	lo	PROPN
fsr-3296	629	14	an	an	DET
fsr-3296	629	15	(	(	PUNCT
fsr-3296	629	16	8	8	NUM
fsr-3296	629	17	)	)	PUNCT
fsr-3296	630	1	pa	pa	PROPN
fsr-3296	630	2	yd	yd	NOUN
fsr-3296	630	3	ay	ay	PROPN
fsr-3296	630	4	lo	lo	PROPN
fsr-3296	630	5	an	an	DET
fsr-3296	630	6	c	c	NOUN
fsr-3296	630	7	on	on	ADP
fsr-3296	630	8	st	st	PROPN
fsr-3296	630	9	an	an	DET
fsr-3296	630	10	t	t	NOUN
fsr-3296	631	1	[	[	X
fsr-3296	631	2	c	c	X
fsr-3296	631	3	]	]	X
fsr-3296	631	4	0	0	X
fsr-3296	631	5	.	.	X
fsr-3296	632	1	68	68	NUM
fsr-3296	632	2	60	60	NUM
fsr-3296	632	3	*	*	NUM
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fsr-3296	632	5	.	.	X
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fsr-3296	633	1	*	*	PUNCT
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fsr-3296	633	3	*	*	PUNCT
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fsr-3296	633	5	.	.	NUM
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fsr-3296	634	1	*	*	PUNCT
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fsr-3296	634	3	*	*	PUNCT
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fsr-3296	634	5	.	.	NUM
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fsr-3296	635	1	*	*	PUNCT
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fsr-3296	635	3	*	*	PUNCT
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fsr-3296	635	5	.	.	NUM
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fsr-3296	635	8	*	*	PUNCT
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fsr-3296	636	1	*	*	PUNCT
fsr-3296	636	2	1	1	NUM
fsr-3296	636	3	.	.	NOUN
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fsr-3296	637	1	*	*	PUNCT
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fsr-3296	637	5	.	.	NUM
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fsr-3296	638	3	*	*	PUNCT
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fsr-3296	638	5	*	*	PUNCT
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fsr-3296	639	2	.	.	X
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fsr-3296	639	5	*	*	PUNCT
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fsr-3296	639	7	*	*	PUNCT
fsr-3296	639	8	a	a	DET
fsr-3296	639	9	tt	tt	PROPN
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fsr-3296	639	12	rr	rr	NOUN
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fsr-3296	641	1	[	[	X
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fsr-3296	641	4	]	]	PUNCT
fsr-3296	641	5	0	0	NUM
fsr-3296	641	6	.	.	PUNCT
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fsr-3296	641	9	*	*	PUNCT
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fsr-3296	641	13	.	.	PUNCT
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fsr-3296	641	18	.	.	PUNCT
fsr-3296	641	19	00	00	NUM
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fsr-3296	641	23	.	.	PUNCT
fsr-3296	641	24	00	00	NUM
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fsr-3296	642	3	.	.	PUNCT
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fsr-3296	643	5	.	.	PROPN
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fsr-3296	643	7	25	25	NUM
fsr-3296	643	8	�	�	PROPN
fsr-3296	643	9	0	0	NUM
fsr-3296	643	10	.	.	PROPN
fsr-3296	643	11	00	00	NUM
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fsr-3296	643	13	�	�	PROPN
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fsr-3296	643	15	.	.	PROPN
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fsr-3296	644	3	ee	ee	VERB
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fsr-3296	646	1	[	[	X
fsr-3296	646	2	�	�	PROPN
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fsr-3296	646	4	]	]	PUNCT
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fsr-3296	646	6	.	.	X
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fsr-3296	646	9	0	0	NUM
fsr-3296	646	10	.	.	PUNCT
fsr-3296	646	11	00	00	NUM
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fsr-3296	647	2	�	�	PROPN
fsr-3296	647	3	0	0	NUM
fsr-3296	647	4	.	.	PROPN
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fsr-3296	647	7	*	*	PUNCT
fsr-3296	647	8	�	�	PROPN
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fsr-3296	647	10	.	.	NUM
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fsr-3296	647	14	.	.	PUNCT
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fsr-3296	648	4	.	.	PUNCT
fsr-3296	648	5	00	00	NUM
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fsr-3296	649	4	.	.	PROPN
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fsr-3296	649	7	*	*	PUNCT
fsr-3296	649	8	�	�	PROPN
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fsr-3296	649	10	.	.	PUNCT
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fsr-3296	649	13	*	*	PUNCT
fsr-3296	649	14	*	*	PUNCT
fsr-3296	649	15	*	*	PUNCT
fsr-3296	649	16	in	in	ADP
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fsr-3296	649	22	[	[	X
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fsr-3296	649	27	.	.	NOUN
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fsr-3296	649	31	.	.	PUNCT
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fsr-3296	650	3	.	.	PUNCT
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fsr-3296	652	1	*	*	PUNCT
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fsr-3296	652	3	*	*	PUNCT
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fsr-3296	652	5	.	.	NUM
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fsr-3296	653	6	.	.	PUNCT
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fsr-3296	653	10	.	.	PUNCT
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fsr-3296	654	2	*	*	NOUN
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fsr-3296	654	4	.	.	NUM
fsr-3296	654	5	00	00	NUM
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fsr-3296	656	1	*	*	PUNCT
fsr-3296	656	2	*	*	PUNCT
fsr-3296	657	1	*	*	PUNCT
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fsr-3296	657	3	.	.	NUM
fsr-3296	657	4	00	00	NUM
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fsr-3296	659	1	*	*	PUNCT
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fsr-3296	659	3	*	*	PUNCT
fsr-3296	659	4	r	r	NOUN
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fsr-3296	659	7	.	.	PUNCT
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fsr-3296	659	11	.	.	PUNCT
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fsr-3296	659	15	.	.	PUNCT
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fsr-3296	659	19	.	.	PUNCT
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fsr-3296	659	23	.	.	PUNCT
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fsr-3296	660	4	.	.	PUNCT
fsr-3296	660	5	04	04	NUM
fsr-3296	661	1	03	03	NUM
fsr-3296	661	2	0	0	NUM
fsr-3296	661	3	.	.	PUNCT
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fsr-3296	662	3	0	0	NUM
fsr-3296	662	4	.	.	PUNCT
fsr-3296	663	1	07	07	NUM
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fsr-3296	663	3	df	df	NOUN
fsr-3296	663	4	.	.	PUNCT
fsr-3296	664	1	r	r	NOUN
fsr-3296	664	2	eg	eg	NOUN
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fsr-3296	664	4	ss	ss	PROPN
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fsr-3296	664	6	n	n	ADV
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fsr-3296	664	9	84	84	NUM
fsr-3296	664	10	5	5	NUM
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fsr-3296	664	13	84	84	NUM
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fsr-3296	664	22	5	5	NUM
fsr-3296	664	23	fst	fst	NOUN
fsr-3296	664	24	at	at	ADP
fsr-3296	664	25	e	e	PROPN
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fsr-3296	664	39	.	.	PUNCT
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fsr-3296	665	7	5	5	NUM
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fsr-3296	665	10	5	5	NUM
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fsr-3296	665	14	.	.	PUNCT
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fsr-3296	665	18	.	.	PUNCT
fsr-3296	665	19	00	00	NUM
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fsr-3296	665	22	.	.	PUNCT
fsr-3296	665	23	00	00	NUM
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fsr-3296	665	26	.	.	PUNCT
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fsr-3296	665	30	.	.	PUNCT
fsr-3296	665	31	00	00	NUM
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fsr-3296	665	34	.	.	PUNCT
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fsr-3296	665	38	.	.	PUNCT
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fsr-3296	665	42	.	.	PUNCT
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fsr-3296	666	4	:	:	PUNCT
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fsr-3296	666	9	e	e	NOUN
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fsr-3296	667	6	su	su	PROPN
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fsr-3296	667	10	gh	gh	PROPN
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fsr-3296	667	13	er	er	INTJ
fsr-3296	667	14	ac	ac	PROPN
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fsr-3296	667	17	re	re	VERB
fsr-3296	667	18	gr	gr	ADV
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fsr-3296	668	1	on	on	ADP
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fsr-3296	668	4	at	at	ADP
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fsr-3296	668	12	e	e	X
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fsr-3296	668	14	gh	gh	PROPN
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fsr-3296	668	16	if	if	SCONJ
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fsr-3296	668	24	g	g	PROPN
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fsr-3296	669	27	e	e	NOUN
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fsr-3296	671	7	(	(	PUNCT
fsr-3296	671	8	a	a	DET
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fsr-3296	671	10	b	b	X
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fsr-3296	672	1	rr	rr	NOUN
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fsr-3296	672	3	w	w	PROPN
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fsr-3296	673	17	a	a	DET
fsr-3296	673	18	ro	ro	X
fsr-3296	673	19	us	us	PROPN
fsr-3296	673	20	)	)	PUNCT
fsr-3296	673	21	.	.	PUNCT
fsr-3296	674	1	sp	sp	ADP
fsr-3296	674	2	ec	ec	PROPN
fsr-3296	674	3	ifi	ifi	PROPN
fsr-3296	674	4	ca	can	AUX
fsr-3296	674	5	lly	lly	ADV
fsr-3296	674	6	,	,	PUNCT
fsr-3296	674	7	w	w	PROPN
fsr-3296	674	8	e	e	PROPN
fsr-3296	674	9	ru	ru	NOUN
fsr-3296	674	10	n	n	ADV
fsr-3296	674	11	th	th	X
fsr-3296	674	12	e	e	NOUN
fsr-3296	675	1	fo	fo	INTJ
fsr-3296	675	2	llo	llo	INTJ
fsr-3296	675	3	w	w	NOUN
fsr-3296	675	4	in	in	ADP
fsr-3296	675	5	g	g	PROPN
fsr-3296	675	6	m	m	PROPN
fsr-3296	675	7	od	od	PROPN
fsr-3296	675	8	el	el	PROPN
fsr-3296	675	9	s	s	PROPN
fsr-3296	675	10	:	:	PUNCT
fsr-3296	675	11	b	b	NOUN
fsr-3296	675	12	or	or	CCONJ
fsr-3296	675	13	ri	ri	PROPN
fsr-3296	675	14	nt	not	PART
fsr-3296	675	15	n	n	PROPN
fsr-3296	675	16	�	�	PROPN
fsr-3296	675	17	c	c	PROPN
fsr-3296	675	18	�	�	PROPN
fsr-3296	675	19	�	�	PROPN
fsr-3296	675	20	1	1	NUM
fsr-3296	675	21	a	a	DET
fsr-3296	675	22	ro	ro	X
fsr-3296	675	23	us	us	PROPN
fsr-3296	675	24	�	�	PROPN
fsr-3296	675	25	�	�	PROPN
fsr-3296	675	26	2	2	NUM
fsr-3296	675	27	a	a	DET
fsr-3296	675	28	tt	tt	PROPN
fsr-3296	675	29	b	b	X
fsr-3296	675	30	o	o	PROPN
fsr-3296	675	31	rr	rr	NOUN
fsr-3296	675	32	o	o	PROPN
fsr-3296	675	33	w	w	PROPN
fsr-3296	675	34	�	�	PROPN
fsr-3296	675	35	�	�	PROPN
fsr-3296	675	36	3	3	NUM
fsr-3296	675	37	�	�	PROPN
fsr-3296	675	38	a	a	PRON
fsr-3296	675	39	ro	ro	X
fsr-3296	675	40	us	us	PROPN
fsr-3296	675	41	�	�	PROPN
fsr-3296	676	1	a	a	DET
fsr-3296	676	2	tt	tt	PROPN
fsr-3296	676	3	b	b	PROPN
fsr-3296	676	4	o	o	X
fsr-3296	676	5	rr	rr	NOUN
fsr-3296	676	6	o	o	X
fsr-3296	676	7	w	w	PROPN
fsr-3296	676	8	�	�	PROPN
fsr-3296	676	9	b	b	PROPN
fsr-3296	676	10	or	or	CCONJ
fsr-3296	676	11	ri	ri	PROPN
fsr-3296	677	1	nt	not	PART
fsr-3296	677	2	n	n	PROPN
fsr-3296	677	3	is	be	AUX
fsr-3296	677	4	th	th	X
fsr-3296	677	5	e	e	X
fsr-3296	677	6	bo	bo	PROPN
fsr-3296	677	7	rr	rr	PROPN
fsr-3296	677	8	ow	ow	INTJ
fsr-3296	677	9	in	in	ADP
fsr-3296	677	10	g	g	PROPN
fsr-3296	677	11	in	in	ADP
fsr-3296	677	12	te	te	PROPN
fsr-3296	677	13	nt	not	PART
fsr-3296	677	14	io	io	PROPN
fsr-3296	677	15	n	n	PROPN
fsr-3296	678	1	va	va	PROPN
fsr-3296	678	2	ri	ri	PROPN
fsr-3296	678	3	ab	ab	PROPN
fsr-3296	678	4	le	le	X
fsr-3296	678	5	th	th	PROPN
fsr-3296	678	6	at	at	ADP
fsr-3296	678	7	ca	can	AUX
fsr-3296	678	8	pt	pt	INTJ
fsr-3296	678	9	ur	ur	INTJ
fsr-3296	678	10	es	es	X
fsr-3296	678	11	th	th	X
fsr-3296	678	12	e	e	X
fsr-3296	678	13	re	re	ADP
fsr-3296	678	14	sp	sp	ADP
fsr-3296	678	15	on	on	ADP
fsr-3296	678	16	de	de	X
fsr-3296	678	17	nt	nt	NOUN
fsr-3296	678	18	s	s	PART
fsr-3296	678	19	’	'	PUNCT
fsr-3296	678	20	in	in	ADP
fsr-3296	678	21	te	te	PROPN
fsr-3296	678	22	nt	not	PART
fsr-3296	678	23	io	io	PROPN
fsr-3296	678	24	n	n	PART
fsr-3296	678	25	to	to	ADP
fsr-3296	678	26	us	we	PRON
fsr-3296	678	27	e	e	PROPN
fsr-3296	678	28	a	a	PROPN
fsr-3296	678	29	ce	ce	PROPN
fsr-3296	678	30	rt	rt	PROPN
fsr-3296	678	31	ai	ai	VERB
fsr-3296	678	32	n	n	ADV
fsr-3296	678	33	ty	ty	INTJ
fsr-3296	678	34	pe	pe	INTJ
fsr-3296	678	35	of	of	ADP
fsr-3296	678	36	bo	bo	PROPN
fsr-3296	678	37	rr	rr	PROPN
fsr-3296	678	38	ow	ow	INTJ
fsr-3296	678	39	in	in	ADP
fsr-3296	678	40	g.	g.	PROPN
fsr-3296	679	1	a	a	PRON
fsr-3296	679	2	s	s	X
fsr-3296	679	3	ex	ex	X
fsr-3296	679	4	pl	pl	X
fsr-3296	679	5	ai	ai	PROPN
fsr-3296	679	6	ne	ne	PROPN
fsr-3296	679	7	d	d	PROPN
fsr-3296	679	8	in	in	ADP
fsr-3296	679	9	t	t	PROPN
fsr-3296	679	10	ab	ab	PROPN
fsr-3296	679	11	le	le	PROPN
fsr-3296	679	12	3	3	NUM
fsr-3296	679	13	ab	ab	PROPN
fsr-3296	679	14	ov	ov	PROPN
fsr-3296	679	15	e	e	PROPN
fsr-3296	679	16	,	,	PUNCT
fsr-3296	679	17	a	a	DET
fsr-3296	679	18	si	si	PROPN
fsr-3296	679	19	gn	gn	PROPN
fsr-3296	679	20	ifi	ifi	PROPN
fsr-3296	679	21	ca	can	AUX
fsr-3296	679	22	nt	not	PART
fsr-3296	679	23	ly	ly	VERB
fsr-3296	679	24	po	po	NOUN
fsr-3296	679	25	si	si	PROPN
fsr-3296	679	26	tiv	tiv	PROPN
fsr-3296	679	27	e	e	PROPN
fsr-3296	679	28	�	�	PROPN
fsr-3296	679	29	3	3	NUM
fsr-3296	679	30	i	i	PRON
fsr-3296	679	31	m	m	VERB
fsr-3296	679	32	pl	pl	VERB
fsr-3296	679	33	ie	ie	X
fsr-3296	679	34	s	s	PART
fsr-3296	679	35	th	th	X
fsr-3296	679	36	at	at	ADP
fsr-3296	679	37	th	th	X
fsr-3296	679	38	e	e	NOUN
fsr-3296	679	39	at	at	ADP
fsr-3296	679	40	tit	tit	NOUN
fsr-3296	679	41	ud	ud	ADP
fsr-3296	679	42	e	e	X
fsr-3296	679	43	to	to	ADP
fsr-3296	679	44	w	w	PROPN
fsr-3296	679	45	ar	ar	PROPN
fsr-3296	679	46	ds	ds	PROPN
fsr-3296	679	47	bo	bo	PROPN
fsr-3296	679	48	rr	rr	VERB
fsr-3296	680	1	ow	ow	INTJ
fsr-3296	680	2	in	in	ADP
fsr-3296	680	3	g	g	PROPN
fsr-3296	680	4	yi	yi	PROPN
fsr-3296	680	5	el	el	PROPN
fsr-3296	680	6	ds	ds	PROPN
fsr-3296	680	7	a	a	DET
fsr-3296	680	8	st	st	PROPN
fsr-3296	680	9	ro	ro	PROPN
fsr-3296	680	10	ng	ng	PROPN
fsr-3296	681	1	er	er	INTJ
fsr-3296	681	2	in	in	ADP
fsr-3296	681	3	te	te	PROPN
fsr-3296	681	4	nt	not	PART
fsr-3296	681	5	io	io	PROPN
fsr-3296	681	6	n	n	PART
fsr-3296	681	7	to	to	PART
fsr-3296	681	8	bo	bo	VERB
fsr-3296	681	9	rr	rr	VERB
fsr-3296	682	1	ow	ow	INTJ
fsr-3296	682	2	fo	fo	ADP
fsr-3296	682	3	r	r	NOUN
fsr-3296	682	4	in	in	ADP
fsr-3296	682	5	di	di	X
fsr-3296	682	6	vi	vi	PROPN
fsr-3296	682	7	du	du	PROPN
fsr-3296	682	8	al	al	PROPN
fsr-3296	682	9	s	s	PROPN
fsr-3296	683	1	w	w	PROPN
fsr-3296	683	2	ith	ith	PROPN
fsr-3296	683	3	gr	gr	PROPN
fsr-3296	683	4	ea	ea	X
fsr-3296	683	5	te	te	PROPN
fsr-3296	683	6	r	r	NOUN
fsr-3296	683	7	ne	ne	NOUN
fsr-3296	683	8	ed	ed	NOUN
fsr-3296	683	9	fo	fo	ADP
fsr-3296	683	10	r	r	PROPN
fsr-3296	683	11	ar	ar	PROPN
fsr-3296	683	12	ou	ou	PROPN
fsr-3296	683	13	sa	sa	PROPN
fsr-3296	683	14	l.	l.	PROPN
fsr-3296	683	15	�	�	PROPN
fsr-3296	683	16	2	2	NUM
fsr-3296	683	17	m	m	PROPN
fsr-3296	683	18	ea	ea	NOUN
fsr-3296	683	19	su	su	PROPN
fsr-3296	683	20	re	re	PROPN
fsr-3296	683	21	s	s	PROPN
fsr-3296	683	22	th	th	X
fsr-3296	683	23	e	e	X
fsr-3296	683	24	i	i	PRON
fsr-3296	683	25	m	m	VERB
fsr-3296	683	26	pa	pa	PROPN
fsr-3296	683	27	ct	ct	NUM
fsr-3296	683	28	of	of	ADP
fsr-3296	683	29	th	th	X
fsr-3296	683	30	e	e	NOUN
fsr-3296	683	31	at	at	ADP
fsr-3296	683	32	tit	tit	NOUN
fsr-3296	683	33	ud	ud	ADP
fsr-3296	683	34	e	e	X
fsr-3296	683	35	to	to	ADP
fsr-3296	683	36	w	w	PROPN
fsr-3296	683	37	ar	ar	PROPN
fsr-3296	683	38	ds	ds	PROPN
fsr-3296	683	39	bo	bo	PROPN
fsr-3296	683	40	rr	rr	VERB
fsr-3296	683	41	ow	ow	INTJ
fsr-3296	683	42	in	in	ADP
fsr-3296	683	43	g	g	PROPN
fsr-3296	683	44	on	on	ADP
fsr-3296	683	45	th	th	NUM
fsr-3296	683	46	e	e	NOUN
fsr-3296	683	47	in	in	ADP
fsr-3296	683	48	te	te	PROPN
fsr-3296	683	49	nt	not	PART
fsr-3296	683	50	io	io	PROPN
fsr-3296	683	51	n	n	PART
fsr-3296	683	52	to	to	PART
fsr-3296	683	53	bo	bo	VERB
fsr-3296	683	54	rr	rr	VERB
fsr-3296	684	1	ow	ow	INTJ
fsr-3296	684	2	in	in	ADP
fsr-3296	684	3	th	th	X
fsr-3296	684	4	e	e	X
fsr-3296	684	5	ab	ab	PROPN
fsr-3296	684	6	se	se	PROPN
fsr-3296	684	7	nc	nc	PROPN
fsr-3296	684	8	e	e	PROPN
fsr-3296	684	9	of	of	ADP
fsr-3296	684	10	a	a	DET
fsr-3296	684	11	ne	ne	NOUN
fsr-3296	684	12	ed	ed	NOUN
fsr-3296	684	13	fo	fo	ADP
fsr-3296	684	14	r	r	PROPN
fsr-3296	684	15	ar	ar	PROPN
fsr-3296	684	16	ou	ou	PROPN
fsr-3296	684	17	sa	sa	PROPN
fsr-3296	684	18	l.	l.	PROPN
fsr-3296	684	19	�	�	PROPN
fsr-3296	684	20	1	1	NUM
fsr-3296	684	21	m	m	PROPN
fsr-3296	684	22	ea	ea	NOUN
fsr-3296	684	23	su	su	PROPN
fsr-3296	684	24	re	re	PROPN
fsr-3296	684	25	s	s	PROPN
fsr-3296	684	26	th	th	X
fsr-3296	684	27	e	e	X
fsr-3296	685	1	i	i	PRON
fsr-3296	685	2	m	m	VERB
fsr-3296	685	3	pa	pa	PROPN
fsr-3296	685	4	ct	ct	NUM
fsr-3296	685	5	of	of	ADP
fsr-3296	685	6	th	th	X
fsr-3296	685	7	e	e	X
fsr-3296	685	8	ne	ne	NOUN
fsr-3296	685	9	ed	ed	NOUN
fsr-3296	685	10	fo	fo	ADP
fsr-3296	685	11	r	r	PROPN
fsr-3296	685	12	ar	ar	PROPN
fsr-3296	685	13	ou	ou	PROPN
fsr-3296	685	14	sa	sa	PROPN
fsr-3296	685	15	l	l	PROPN
fsr-3296	685	16	on	on	ADP
fsr-3296	685	17	th	th	X
fsr-3296	685	18	e	e	NOUN
fsr-3296	685	19	in	in	ADP
fsr-3296	685	20	te	te	PROPN
fsr-3296	685	21	nt	not	PART
fsr-3296	685	22	io	io	PROPN
fsr-3296	685	23	n	n	PART
fsr-3296	685	24	to	to	PART
fsr-3296	685	25	bo	bo	VERB
fsr-3296	685	26	rr	rr	VERB
fsr-3296	686	1	ow	ow	INTJ
fsr-3296	686	2	w	w	VERB
fsr-3296	686	3	he	he	PRON
fsr-3296	686	4	n	n	ADV
fsr-3296	686	5	th	th	X
fsr-3296	686	6	e	e	NOUN
fsr-3296	686	7	at	at	ADP
fsr-3296	686	8	tit	tit	NOUN
fsr-3296	686	9	ud	ud	ADP
fsr-3296	686	10	e	e	X
fsr-3296	686	11	to	to	ADP
fsr-3296	686	12	w	w	PROPN
fsr-3296	686	13	ar	ar	PROPN
fsr-3296	686	14	ds	ds	PROPN
fsr-3296	686	15	bo	bo	PROPN
fsr-3296	686	16	rr	rr	VERB
fsr-3296	687	1	ow	ow	INTJ
fsr-3296	687	2	in	in	ADP
fsr-3296	687	3	g	g	PROPN
fsr-3296	687	4	is	be	AUX
fsr-3296	687	5	ze	ze	PROPN
fsr-3296	687	6	ro	ro	X
fsr-3296	687	7	.t	.t	PROPN
fsr-3296	688	1	he	he	PRON
fsr-3296	688	2	re	re	VERB
fsr-3296	688	3	fo	fo	ADP
fsr-3296	688	4	re	re	PROPN
fsr-3296	688	5	,	,	PUNCT
fsr-3296	688	6	t	t	PROPN
fsr-3296	688	7	he	he	PRON
fsr-3296	688	8	�	�	PROPN
fsr-3296	688	9	3	3	NUM
fsr-3296	688	10	co	co	X
fsr-3296	688	11	ef	ef	PROPN
fsr-3296	688	12	fic	fic	PROPN
fsr-3296	688	13	ie	ie	PROPN
fsr-3296	688	14	nt	nt	PROPN
fsr-3296	688	15	s	s	PROPN
fsr-3296	689	1	su	su	PROPN
fsr-3296	690	1	pp	pp	ADV
fsr-3296	690	2	ly	ly	ADP
fsr-3296	690	3	a	a	DET
fsr-3296	690	4	di	di	X
fsr-3296	690	5	re	re	ADP
fsr-3296	690	6	ct	ct	NOUN
fsr-3296	690	7	te	te	PROPN
fsr-3296	690	8	st	st	PROPN
fsr-3296	691	1	fo	fo	INTJ
fsr-3296	691	2	r	r	NOUN
fsr-3296	691	3	h	h	NOUN
fsr-3296	692	1	yp	yp	NOUN
fsr-3296	692	2	ot	ot	VERB
fsr-3296	692	3	he	he	PRON
fsr-3296	693	1	si	si	PROPN
fsr-3296	693	2	s	s	PART
fsr-3296	693	3	3b	3b	NOUN
fsr-3296	693	4	an	an	DET
fsr-3296	693	5	d	d	X
fsr-3296	693	6	th	th	X
fsr-3296	693	7	e	e	X
fsr-3296	693	8	�	�	PROPN
fsr-3296	693	9	1	1	NUM
fsr-3296	693	10	co	co	X
fsr-3296	693	11	ef	ef	PROPN
fsr-3296	693	12	fic	fic	PROPN
fsr-3296	693	13	ie	ie	PROPN
fsr-3296	693	14	nt	nt	PROPN
fsr-3296	693	15	s	s	PROPN
fsr-3296	694	1	su	su	PROPN
fsr-3296	695	1	pp	pp	ADV
fsr-3296	695	2	ly	ly	ADP
fsr-3296	695	3	ad	ad	NOUN
fsr-3296	695	4	di	di	NOUN
fsr-3296	695	5	tio	tio	NOUN
fsr-3296	695	6	na	na	NOUN
fsr-3296	695	7	l	l	NOUN
fsr-3296	695	8	te	te	ADP
fsr-3296	695	9	st	st	PROPN
fsr-3296	695	10	in	in	ADP
fsr-3296	695	11	g	g	PROPN
fsr-3296	695	12	of	of	ADP
fsr-3296	695	13	h	h	NOUN
fsr-3296	696	1	yp	yp	PROPN
fsr-3296	696	2	ot	ot	VERB
fsr-3296	696	3	he	he	PRON
fsr-3296	696	4	si	si	PROPN
fsr-3296	696	5	s	s	PART
fsr-3296	696	6	1b	1b	NUM
fsr-3296	696	7	.	.	PUNCT
fsr-3296	697	1	a	a	DET
fsr-3296	697	2	st	st	PROPN
fsr-3296	697	3	er	er	INTJ
fsr-3296	697	4	is	be	AUX
fsr-3296	697	5	ks	ks	PROPN
fsr-3296	697	6	de	de	PROPN
fsr-3296	697	7	no	no	PROPN
fsr-3296	697	8	te	te	INTJ
fsr-3296	697	9	st	st	PROPN
fsr-3296	697	10	at	at	SCONJ
fsr-3296	697	11	is	be	AUX
fsr-3296	697	12	tic	tic	ADJ
fsr-3296	697	13	al	al	PROPN
fsr-3296	697	14	si	si	PROPN
fsr-3296	697	15	gn	gn	PROPN
fsr-3296	697	16	ifi	ifi	PROPN
fsr-3296	697	17	ca	ca	PROPN
fsr-3296	697	18	nc	nc	PROPN
fsr-3296	697	19	e	e	PROPN
fsr-3296	697	20	at	at	ADP
fsr-3296	697	21	th	th	X
fsr-3296	697	22	e	e	NOUN
fsr-3296	697	23	1	1	NUM
fsr-3296	697	24	%	%	NOUN
fsr-3296	697	25	(	(	PUNCT
fsr-3296	697	26	*	*	PUNCT
fsr-3296	697	27	*	*	PUNCT
fsr-3296	697	28	*	*	PUNCT
fsr-3296	697	29	)	)	PUNCT
fsr-3296	697	30	,	,	PUNCT
fsr-3296	697	31	5	5	NUM
fsr-3296	697	32	%	%	NOUN
fsr-3296	697	33	(	(	PUNCT
fsr-3296	697	34	*	*	PUNCT
fsr-3296	697	35	*	*	PUNCT
fsr-3296	697	36	)	)	PUNCT
fsr-3296	697	37	,	,	PUNCT
fsr-3296	697	38	or	or	CCONJ
fsr-3296	697	39	10	10	NUM
fsr-3296	697	40	%	%	NOUN
fsr-3296	697	41	(	(	PUNCT
fsr-3296	697	42	*	*	PUNCT
fsr-3296	697	43	)	)	PUNCT
fsr-3296	697	44	le	le	X
fsr-3296	697	45	ve	ve	AUX
fsr-3296	697	46	l.	l.	PROPN
fsr-3296	697	47	78	78	NUM
fsr-3296	697	48	a.	a.	NOUN
fsr-3296	697	49	yazdanparast	yazdanparast	NOUN
fsr-3296	697	50	,	,	PUNCT
fsr-3296	697	51	y.	y.	PROPN
fsr-3296	697	52	alhenawi	alhenawi	PROPN
fsr-3296	697	53	/	/	SYM
fsr-3296	697	54	financial	financial	ADJ
fsr-3296	697	55	services	service	NOUN
fsr-3296	697	56	review	review	VERB
fsr-3296	697	57	26	26	NUM
fsr-3296	697	58	(	(	PUNCT
fsr-3296	697	59	2017	2017	NUM
fsr-3296	697	60	)	)	PUNCT
fsr-3296	697	61	55–85	55–85	NUM
fsr-3296	697	62	the	the	DET
fsr-3296	697	63	coefficients	coefficient	NOUN
fsr-3296	697	64	on	on	ADP
fsr-3296	697	65	the	the	DET
fsr-3296	697	66	interaction	interaction	NOUN
fsr-3296	697	67	term	term	NOUN
fsr-3296	697	68	,	,	PUNCT
fsr-3296	697	69	�	�	PROPN
fsr-3296	697	70	3	3	NUM
fsr-3296	697	71	,	,	PUNCT
fsr-3296	697	72	are	be	AUX
fsr-3296	697	73	significant	significant	ADJ
fsr-3296	697	74	and	and	CCONJ
fsr-3296	697	75	positive	positive	ADJ
fsr-3296	697	76	in	in	ADP
fsr-3296	697	77	regressions	regression	NOUN
fsr-3296	697	78	3	3	NUM
fsr-3296	697	79	,	,	PUNCT
fsr-3296	697	80	4	4	NUM
fsr-3296	697	81	,	,	PUNCT
fsr-3296	697	82	6	6	NUM
fsr-3296	697	83	,	,	PUNCT
fsr-3296	697	84	7	7	NUM
fsr-3296	697	85	,	,	PUNCT
fsr-3296	697	86	and	and	CCONJ
fsr-3296	697	87	8	8	NUM
fsr-3296	697	88	that	that	PRON
fsr-3296	697	89	correspond	correspond	VERB
fsr-3296	697	90	to	to	ADP
fsr-3296	697	91	the	the	DET
fsr-3296	697	92	intentions	intention	NOUN
fsr-3296	697	93	to	to	PART
fsr-3296	697	94	apply	apply	VERB
fsr-3296	697	95	for	for	ADP
fsr-3296	697	96	a	a	DET
fsr-3296	697	97	home	home	NOUN
fsr-3296	697	98	improvement	improvement	NOUN
fsr-3296	697	99	loan	loan	NOUN
fsr-3296	697	100	,	,	PUNCT
fsr-3296	697	101	a	a	DET
fsr-3296	697	102	business	business	NOUN
fsr-3296	697	103	loan	loan	NOUN
fsr-3296	697	104	,	,	PUNCT
fsr-3296	697	105	a	a	DET
fsr-3296	697	106	student	student	NOUN
fsr-3296	697	107	loan	loan	NOUN
fsr-3296	697	108	,	,	PUNCT
fsr-3296	697	109	a	a	DET
fsr-3296	697	110	personal	personal	ADJ
fsr-3296	697	111	loan	loan	NOUN
fsr-3296	697	112	,	,	PUNCT
fsr-3296	697	113	and	and	CCONJ
fsr-3296	697	114	a	a	DET
fsr-3296	697	115	payday	payday	NOUN
fsr-3296	697	116	loan	loan	NOUN
fsr-3296	697	117	,	,	PUNCT
fsr-3296	697	118	respectively	respectively	ADV
fsr-3296	697	119	.	.	PUNCT
fsr-3296	698	1	this	this	PRON
fsr-3296	698	2	indicates	indicate	VERB
fsr-3296	698	3	that	that	SCONJ
fsr-3296	698	4	the	the	DET
fsr-3296	698	5	attitude	attitude	NOUN
fsr-3296	698	6	towards	towards	ADP
fsr-3296	698	7	borrowing	borrowing	NOUN
fsr-3296	698	8	has	have	VERB
fsr-3296	698	9	a	a	DET
fsr-3296	698	10	stronger	strong	ADJ
fsr-3296	698	11	relationship	relationship	NOUN
fsr-3296	698	12	with	with	ADP
fsr-3296	698	13	the	the	DET
fsr-3296	698	14	intention	intention	NOUN
fsr-3296	698	15	to	to	PART
fsr-3296	698	16	borrow	borrow	VERB
fsr-3296	698	17	for	for	ADP
fsr-3296	698	18	individuals	individual	NOUN
fsr-3296	698	19	with	with	ADP
fsr-3296	698	20	higher	high	ADJ
fsr-3296	698	21	levels	level	NOUN
fsr-3296	698	22	of	of	ADP
fsr-3296	698	23	need	need	NOUN
fsr-3296	698	24	for	for	ADP
fsr-3296	698	25	arousal	arousal	NOUN
fsr-3296	698	26	.	.	PUNCT
fsr-3296	699	1	this	this	PRON
fsr-3296	699	2	is	be	AUX
fsr-3296	699	3	consistent	consistent	ADJ
fsr-3296	699	4	with	with	ADP
fsr-3296	699	5	hypothesis	hypothesis	NOUN
fsr-3296	699	6	3b	3b	NOUN
fsr-3296	699	7	.	.	PUNCT
fsr-3296	700	1	in	in	ADP
fsr-3296	700	2	regressions	regression	NOUN
fsr-3296	700	3	2	2	NUM
fsr-3296	700	4	through	through	ADP
fsr-3296	700	5	8	8	NUM
fsr-3296	700	6	,	,	PUNCT
fsr-3296	700	7	the	the	DET
fsr-3296	700	8	coefficients	coefficient	NOUN
fsr-3296	700	9	on	on	ADP
fsr-3296	700	10	the	the	DET
fsr-3296	700	11	attitude	attitude	NOUN
fsr-3296	700	12	towards	towards	ADP
fsr-3296	700	13	borrowing	borrowing	NOUN
fsr-3296	700	14	score	score	NOUN
fsr-3296	700	15	,	,	PUNCT
fsr-3296	700	16	�	�	PROPN
fsr-3296	700	17	2	2	NUM
fsr-3296	700	18	,	,	PUNCT
fsr-3296	700	19	and	and	CCONJ
fsr-3296	700	20	are	be	AUX
fsr-3296	700	21	statistically	statistically	ADV
fsr-3296	700	22	indistinguishable	indistinguishable	ADJ
fsr-3296	700	23	from	from	ADP
fsr-3296	700	24	zero	zero	NUM
fsr-3296	700	25	.	.	PUNCT
fsr-3296	701	1	this	this	PRON
fsr-3296	701	2	implies	imply	VERB
fsr-3296	701	3	that	that	SCONJ
fsr-3296	701	4	the	the	DET
fsr-3296	701	5	attitude	attitude	NOUN
fsr-3296	701	6	towards	towards	ADP
fsr-3296	701	7	borrowing	borrowing	NOUN
fsr-3296	701	8	can	can	AUX
fsr-3296	701	9	not	not	PART
fsr-3296	701	10	,	,	PUNCT
fsr-3296	701	11	alone	alone	ADV
fsr-3296	701	12	,	,	PUNCT
fsr-3296	701	13	influence	influence	VERB
fsr-3296	701	14	one	one	NUM
fsr-3296	701	15	’s	’s	PART
fsr-3296	701	16	intentions	intention	NOUN
fsr-3296	701	17	to	to	PART
fsr-3296	701	18	borrow	borrow	VERB
fsr-3296	701	19	.	.	PUNCT
fsr-3296	702	1	in	in	ADP
fsr-3296	702	2	regression	regression	NOUN
fsr-3296	702	3	1	1	NUM
fsr-3296	702	4	,	,	PUNCT
fsr-3296	702	5	only	only	ADV
fsr-3296	702	6	�	�	X
fsr-3296	702	7	2	2	NUM
fsr-3296	702	8	is	be	AUX
fsr-3296	702	9	positive	positive	ADJ
fsr-3296	702	10	and	and	CCONJ
fsr-3296	702	11	statistically	statistically	ADV
fsr-3296	702	12	significant	significant	ADJ
fsr-3296	702	13	.	.	PUNCT
fsr-3296	703	1	this	this	PRON
fsr-3296	703	2	indicates	indicate	VERB
fsr-3296	703	3	that	that	SCONJ
fsr-3296	703	4	a	a	DET
fsr-3296	703	5	more	more	ADV
fsr-3296	703	6	favorable	favorable	ADJ
fsr-3296	703	7	attitude	attitude	NOUN
fsr-3296	703	8	towards	towards	ADP
fsr-3296	703	9	borrowing	borrowing	NOUN
fsr-3296	703	10	induces	induce	VERB
fsr-3296	703	11	a	a	DET
fsr-3296	703	12	stronger	strong	ADJ
fsr-3296	703	13	intention	intention	NOUN
fsr-3296	703	14	for	for	ADP
fsr-3296	703	15	opening	open	VERB
fsr-3296	703	16	a	a	DET
fsr-3296	703	17	new	new	ADJ
fsr-3296	703	18	credit	credit	NOUN
fsr-3296	703	19	card	card	NOUN
fsr-3296	703	20	account	account	NOUN
fsr-3296	703	21	.	.	PUNCT
fsr-3296	704	1	it	it	PRON
fsr-3296	704	2	also	also	ADV
fsr-3296	704	3	indicates	indicate	VERB
fsr-3296	704	4	that	that	SCONJ
fsr-3296	704	5	we	we	PRON
fsr-3296	704	6	can	can	AUX
fsr-3296	704	7	not	not	PART
fsr-3296	704	8	reject	reject	VERB
fsr-3296	704	9	the	the	DET
fsr-3296	704	10	null	null	NOUN
fsr-3296	704	11	that	that	SCONJ
fsr-3296	704	12	the	the	DET
fsr-3296	704	13	interaction	interaction	NOUN
fsr-3296	704	14	between	between	ADP
fsr-3296	704	15	the	the	DET
fsr-3296	704	16	attitude	attitude	NOUN
fsr-3296	704	17	towards	towards	ADP
fsr-3296	704	18	borrowing	borrowing	NOUN
fsr-3296	704	19	and	and	CCONJ
fsr-3296	704	20	the	the	DET
fsr-3296	704	21	need	need	NOUN
fsr-3296	704	22	for	for	ADP
fsr-3296	704	23	arousal	arousal	NOUN
fsr-3296	704	24	is	be	AUX
fsr-3296	704	25	insignificant	insignificant	ADJ
fsr-3296	704	26	.	.	PUNCT
fsr-3296	705	1	3.6	3.6	NUM
fsr-3296	705	2	.	.	PUNCT
fsr-3296	705	3	discussion	discussion	NOUN
fsr-3296	705	4	of	of	ADP
fsr-3296	705	5	findings	finding	NOUN
fsr-3296	705	6	consistent	consistent	ADJ
fsr-3296	705	7	with	with	ADP
fsr-3296	705	8	previous	previous	ADJ
fsr-3296	705	9	research	research	NOUN
fsr-3296	705	10	and	and	CCONJ
fsr-3296	705	11	in	in	ADP
fsr-3296	705	12	line	line	NOUN
fsr-3296	705	13	with	with	ADP
fsr-3296	705	14	behavioral	behavioral	ADJ
fsr-3296	705	15	finance	finance	NOUN
fsr-3296	705	16	theories	theory	NOUN
fsr-3296	705	17	,	,	PUNCT
fsr-3296	705	18	the	the	DET
fsr-3296	705	19	results	result	NOUN
fsr-3296	705	20	suggest	suggest	VERB
fsr-3296	705	21	that	that	SCONJ
fsr-3296	705	22	psychological	psychological	ADJ
fsr-3296	705	23	characteristics	characteristic	NOUN
fsr-3296	705	24	impact	impact	NOUN
fsr-3296	705	25	individuals	individual	NOUN
fsr-3296	705	26	’	'	PUNCT
fsr-3296	705	27	financial	financial	ADJ
fsr-3296	705	28	choices	choice	NOUN
fsr-3296	705	29	.	.	PUNCT
fsr-3296	706	1	in	in	ADP
fsr-3296	706	2	addition	addition	NOUN
fsr-3296	706	3	,	,	PUNCT
fsr-3296	706	4	our	our	PRON
fsr-3296	706	5	findings	finding	NOUN
fsr-3296	706	6	are	be	AUX
fsr-3296	706	7	generally	generally	ADV
fsr-3296	706	8	in	in	ADP
fsr-3296	706	9	line	line	NOUN
fsr-3296	706	10	with	with	ADP
fsr-3296	706	11	the	the	DET
fsr-3296	706	12	behavioral	behavioral	ADJ
fsr-3296	706	13	influence	influence	NOUN
fsr-3296	706	14	perspective	perspective	NOUN
fsr-3296	706	15	of	of	ADP
fsr-3296	706	16	consumer	consumer	NOUN
fsr-3296	706	17	financial	financial	ADJ
fsr-3296	706	18	decision	decision	NOUN
fsr-3296	706	19	making	making	NOUN
fsr-3296	706	20	.	.	PUNCT
fsr-3296	707	1	nevertheless	nevertheless	ADV
fsr-3296	707	2	,	,	PUNCT
fsr-3296	707	3	this	this	DET
fsr-3296	707	4	research	research	NOUN
fsr-3296	707	5	adds	add	VERB
fsr-3296	707	6	several	several	ADJ
fsr-3296	707	7	new	new	ADJ
fsr-3296	707	8	perspectives	perspective	NOUN
fsr-3296	707	9	to	to	ADP
fsr-3296	707	10	the	the	DET
fsr-3296	707	11	literature	literature	NOUN
fsr-3296	707	12	on	on	ADP
fsr-3296	707	13	financial	financial	ADJ
fsr-3296	707	14	behavior	behavior	NOUN
fsr-3296	707	15	and	and	CCONJ
fsr-3296	707	16	personal	personal	ADJ
fsr-3296	707	17	characteristics	characteristic	NOUN
fsr-3296	707	18	.	.	PUNCT
fsr-3296	708	1	we	we	PRON
fsr-3296	708	2	document	document	VERB
fsr-3296	708	3	evidence	evidence	NOUN
fsr-3296	708	4	that	that	SCONJ
fsr-3296	708	5	greater	great	ADJ
fsr-3296	708	6	values	value	NOUN
fsr-3296	708	7	of	of	ADP
fsr-3296	708	8	need	need	NOUN
fsr-3296	708	9	for	for	ADP
fsr-3296	708	10	material	material	ADJ
fsr-3296	708	11	resources	resource	NOUN
fsr-3296	708	12	and	and	CCONJ
fsr-3296	708	13	need	need	NOUN
fsr-3296	708	14	for	for	ADP
fsr-3296	708	15	arousal	arousal	NOUN
fsr-3296	708	16	are	be	AUX
fsr-3296	708	17	associated	associate	VERB
fsr-3296	708	18	with	with	ADP
fsr-3296	708	19	stronger	strong	ADJ
fsr-3296	708	20	intentions	intention	NOUN
fsr-3296	708	21	to	to	PART
fsr-3296	708	22	borrow	borrow	VERB
fsr-3296	708	23	.	.	PUNCT
fsr-3296	709	1	this	this	PRON
fsr-3296	709	2	lends	lend	VERB
fsr-3296	709	3	support	support	NOUN
fsr-3296	709	4	to	to	PART
fsr-3296	709	5	hypotheses	hypothese	VERB
fsr-3296	709	6	1a	1a	NOUN
fsr-3296	709	7	and	and	CCONJ
fsr-3296	709	8	h1b	h1b	NOUN
fsr-3296	709	9	.	.	PUNCT
fsr-3296	710	1	we	we	PRON
fsr-3296	710	2	also	also	ADV
fsr-3296	710	3	show	show	VERB
fsr-3296	710	4	that	that	SCONJ
fsr-3296	710	5	for	for	ADP
fsr-3296	710	6	individuals	individual	NOUN
fsr-3296	710	7	who	who	PRON
fsr-3296	710	8	score	score	VERB
fsr-3296	710	9	higher	higher	ADV
fsr-3296	710	10	on	on	ADP
fsr-3296	710	11	need	need	NOUN
fsr-3296	710	12	for	for	ADP
fsr-3296	710	13	material	material	ADJ
fsr-3296	710	14	resources	resource	NOUN
fsr-3296	710	15	,	,	PUNCT
fsr-3296	710	16	the	the	DET
fsr-3296	710	17	positive	positive	ADJ
fsr-3296	710	18	association	association	NOUN
fsr-3296	710	19	between	between	ADP
fsr-3296	710	20	attitude	attitude	NOUN
fsr-3296	710	21	towards	towards	ADP
fsr-3296	710	22	borrowing	borrowing	NOUN
fsr-3296	710	23	and	and	CCONJ
fsr-3296	710	24	the	the	DET
fsr-3296	710	25	intention	intention	NOUN
fsr-3296	710	26	to	to	PART
fsr-3296	710	27	borrow	borrow	VERB
fsr-3296	710	28	is	be	AUX
fsr-3296	710	29	significantly	significantly	ADV
fsr-3296	710	30	stronger	strong	ADJ
fsr-3296	710	31	relative	relative	ADJ
fsr-3296	710	32	to	to	ADP
fsr-3296	710	33	individuals	individual	NOUN
fsr-3296	710	34	with	with	ADP
fsr-3296	710	35	a	a	DET
fsr-3296	710	36	lesser	less	ADJ
fsr-3296	710	37	need	need	NOUN
fsr-3296	710	38	for	for	ADP
fsr-3296	710	39	materials	material	NOUN
fsr-3296	710	40	resources	resource	NOUN
fsr-3296	710	41	.	.	PUNCT
fsr-3296	711	1	this	this	PRON
fsr-3296	711	2	supports	support	VERB
fsr-3296	711	3	hypothesis	hypothesis	NOUN
fsr-3296	711	4	3a	3a	NUM
fsr-3296	711	5	.	.	PUNCT
fsr-3296	712	1	the	the	DET
fsr-3296	712	2	same	same	ADJ
fsr-3296	712	3	finding	finding	NOUN
fsr-3296	712	4	extends	extend	VERB
fsr-3296	712	5	to	to	ADP
fsr-3296	712	6	the	the	DET
fsr-3296	712	7	need	need	NOUN
fsr-3296	712	8	for	for	ADP
fsr-3296	712	9	arousal	arousal	ADJ
fsr-3296	712	10	trait	trait	NOUN
fsr-3296	712	11	that	that	PRON
fsr-3296	712	12	is	be	AUX
fsr-3296	712	13	consistent	consistent	ADJ
fsr-3296	712	14	with	with	ADP
fsr-3296	712	15	hypothesis	hypothesis	NOUN
fsr-3296	712	16	3b	3b	NOUN
fsr-3296	712	17	.	.	PUNCT
fsr-3296	713	1	furthermore	furthermore	ADV
fsr-3296	713	2	,	,	PUNCT
fsr-3296	713	3	the	the	DET
fsr-3296	713	4	overall	overall	ADJ
fsr-3296	713	5	results	result	NOUN
fsr-3296	713	6	support	support	VERB
fsr-3296	713	7	a	a	DET
fsr-3296	713	8	few	few	ADJ
fsr-3296	713	9	overarching	overarching	ADJ
fsr-3296	713	10	suppositions	supposition	NOUN
fsr-3296	713	11	tested	test	VERB
fsr-3296	713	12	in	in	ADP
fsr-3296	713	13	this	this	DET
fsr-3296	713	14	article	article	NOUN
fsr-3296	713	15	.	.	PUNCT
fsr-3296	714	1	first	first	ADV
fsr-3296	714	2	,	,	PUNCT
fsr-3296	714	3	the	the	DET
fsr-3296	714	4	attitude	attitude	NOUN
fsr-3296	714	5	towards	towards	ADP
fsr-3296	714	6	borrowing	borrowing	NOUN
fsr-3296	714	7	and	and	CCONJ
fsr-3296	714	8	the	the	DET
fsr-3296	714	9	intention	intention	NOUN
fsr-3296	714	10	to	to	PART
fsr-3296	714	11	borrow	borrow	VERB
fsr-3296	714	12	are	be	AUX
fsr-3296	714	13	not	not	PART
fsr-3296	714	14	interchangeable	interchangeable	ADJ
fsr-3296	714	15	.	.	PUNCT
fsr-3296	715	1	in	in	ADP
fsr-3296	715	2	fact	fact	NOUN
fsr-3296	715	3	,	,	PUNCT
fsr-3296	715	4	the	the	DET
fsr-3296	715	5	intention	intention	NOUN
fsr-3296	715	6	to	to	PART
fsr-3296	715	7	borrow	borrow	VERB
fsr-3296	715	8	is	be	AUX
fsr-3296	715	9	sometimes	sometimes	ADV
fsr-3296	715	10	inconsistent	inconsistent	ADJ
fsr-3296	715	11	with	with	ADP
fsr-3296	715	12	the	the	DET
fsr-3296	715	13	borrower	borrower	NOUN
fsr-3296	715	14	’s	’s	PART
fsr-3296	715	15	attitude	attitude	NOUN
fsr-3296	715	16	towards	towards	ADP
fsr-3296	715	17	borrowing	borrowing	NOUN
fsr-3296	715	18	.	.	PUNCT
fsr-3296	716	1	this	this	PRON
fsr-3296	716	2	is	be	AUX
fsr-3296	716	3	consistent	consistent	ADJ
fsr-3296	716	4	with	with	ADP
fsr-3296	716	5	hypothesis	hypothesis	NOUN
fsr-3296	716	6	2	2	NUM
fsr-3296	716	7	.	.	PUNCT
fsr-3296	716	8	second	second	ADJ
fsr-3296	716	9	,	,	PUNCT
fsr-3296	716	10	the	the	DET
fsr-3296	716	11	fact	fact	NOUN
fsr-3296	716	12	that	that	SCONJ
fsr-3296	716	13	we	we	PRON
fsr-3296	716	14	were	be	AUX
fsr-3296	716	15	able	able	ADJ
fsr-3296	716	16	to	to	PART
fsr-3296	716	17	document	document	VERB
fsr-3296	716	18	an	an	DET
fsr-3296	716	19	interaction	interaction	NOUN
fsr-3296	716	20	effect	effect	NOUN
fsr-3296	716	21	in	in	ADP
fsr-3296	716	22	only	only	ADV
fsr-3296	716	23	a	a	DET
fsr-3296	716	24	subset	subset	NOUN
fsr-3296	716	25	of	of	ADP
fsr-3296	716	26	borrowing	borrowing	NOUN
fsr-3296	716	27	options	option	NOUN
fsr-3296	716	28	indicates	indicate	VERB
fsr-3296	716	29	that	that	SCONJ
fsr-3296	716	30	borrowing	borrowing	NOUN
fsr-3296	716	31	options	option	NOUN
fsr-3296	716	32	are	be	AUX
fsr-3296	716	33	not	not	PART
fsr-3296	716	34	homogenous	homogenous	ADJ
fsr-3296	716	35	and	and	CCONJ
fsr-3296	716	36	are	be	AUX
fsr-3296	716	37	motivated	motivate	VERB
fsr-3296	716	38	differently	differently	ADV
fsr-3296	716	39	.	.	PUNCT
fsr-3296	717	1	a	a	DET
fsr-3296	717	2	further	further	ADJ
fsr-3296	717	3	discussion	discussion	NOUN
fsr-3296	717	4	of	of	ADP
fsr-3296	717	5	this	this	DET
fsr-3296	717	6	issue	issue	NOUN
fsr-3296	717	7	is	be	AUX
fsr-3296	717	8	supplied	supply	VERB
fsr-3296	717	9	in	in	ADP
fsr-3296	717	10	the	the	DET
fsr-3296	717	11	conclusion	conclusion	NOUN
fsr-3296	717	12	section	section	NOUN
fsr-3296	717	13	.	.	PUNCT
fsr-3296	718	1	finally	finally	ADV
fsr-3296	718	2	,	,	PUNCT
fsr-3296	718	3	our	our	PRON
fsr-3296	718	4	analyses	analysis	NOUN
fsr-3296	718	5	take	take	VERB
fsr-3296	718	6	into	into	ADP
fsr-3296	718	7	account	account	NOUN
fsr-3296	718	8	conventional	conventional	ADJ
fsr-3296	718	9	controls	control	NOUN
fsr-3296	718	10	used	use	VERB
fsr-3296	718	11	in	in	ADP
fsr-3296	718	12	extant	extant	ADJ
fsr-3296	718	13	literature	literature	NOUN
fsr-3296	718	14	.	.	PUNCT
fsr-3296	719	1	we	we	PRON
fsr-3296	719	2	did	do	AUX
fsr-3296	719	3	not	not	PART
fsr-3296	719	4	find	find	VERB
fsr-3296	719	5	fundamental	fundamental	ADJ
fsr-3296	719	6	deviations	deviation	NOUN
fsr-3296	719	7	from	from	ADP
fsr-3296	719	8	previous	previous	ADJ
fsr-3296	719	9	findings	finding	NOUN
fsr-3296	719	10	(	(	PUNCT
fsr-3296	719	11	i.e.	i.e.	X
fsr-3296	719	12	,	,	PUNCT
fsr-3296	719	13	we	we	PRON
fsr-3296	719	14	found	find	VERB
fsr-3296	719	15	that	that	SCONJ
fsr-3296	719	16	attitudinal	attitudinal	ADJ
fsr-3296	719	17	biases	bias	NOUN
fsr-3296	719	18	towards	towards	ADP
fsr-3296	719	19	money	money	NOUN
fsr-3296	719	20	,	,	PUNCT
fsr-3296	719	21	wealth	wealth	NOUN
fsr-3296	719	22	,	,	PUNCT
fsr-3296	719	23	indebtedness	indebtedness	NOUN
fsr-3296	719	24	,	,	PUNCT
fsr-3296	719	25	planning	plan	VERB
fsr-3296	719	26	as	as	ADV
fsr-3296	719	27	well	well	ADV
fsr-3296	719	28	as	as	ADP
fsr-3296	719	29	financial	financial	ADJ
fsr-3296	719	30	knowledge	knowledge	NOUN
fsr-3296	719	31	and	and	CCONJ
fsr-3296	719	32	other	other	ADJ
fsr-3296	719	33	demographics	demographic	NOUN
fsr-3296	719	34	impact	impact	NOUN
fsr-3296	719	35	borrowing	borrowing	NOUN
fsr-3296	719	36	behavior	behavior	NOUN
fsr-3296	719	37	in	in	ADP
fsr-3296	719	38	a	a	DET
fsr-3296	719	39	predictable	predictable	ADJ
fsr-3296	719	40	manner	manner	NOUN
fsr-3296	719	41	)	)	PUNCT
fsr-3296	719	42	.	.	PUNCT
fsr-3296	720	1	4	4	X
fsr-3296	720	2	.	.	X
fsr-3296	720	3	conclusions	conclusion	NOUN
fsr-3296	720	4	and	and	CCONJ
fsr-3296	720	5	implications	implication	NOUN
fsr-3296	720	6	the	the	DET
fsr-3296	720	7	present	present	ADJ
fsr-3296	720	8	research	research	NOUN
fsr-3296	720	9	is	be	AUX
fsr-3296	720	10	an	an	DET
fsr-3296	720	11	interdisciplinary	interdisciplinary	ADJ
fsr-3296	720	12	approach	approach	NOUN
fsr-3296	720	13	to	to	PART
fsr-3296	720	14	investigate	investigate	VERB
fsr-3296	720	15	household	household	NOUN
fsr-3296	720	16	’s	’s	PART
fsr-3296	720	17	financial	financial	ADJ
fsr-3296	720	18	borrowing	borrowing	NOUN
fsr-3296	720	19	decisions	decision	NOUN
fsr-3296	720	20	in	in	ADP
fsr-3296	720	21	the	the	DET
fsr-3296	720	22	light	light	NOUN
fsr-3296	720	23	of	of	ADP
fsr-3296	720	24	psychological	psychological	ADJ
fsr-3296	720	25	characteristics	characteristic	NOUN
fsr-3296	720	26	of	of	ADP
fsr-3296	720	27	individuals	individual	NOUN
fsr-3296	720	28	.	.	PUNCT
fsr-3296	721	1	the	the	DET
fsr-3296	721	2	review	review	NOUN
fsr-3296	721	3	79a	79a	NOUN
fsr-3296	721	4	.	.	PUNCT
fsr-3296	722	1	yazdanparast	yazdanparast	NOUN
fsr-3296	722	2	,	,	PUNCT
fsr-3296	722	3	y.	y.	PROPN
fsr-3296	722	4	alhenawi	alhenawi	PROPN
fsr-3296	722	5	/	/	SYM
fsr-3296	722	6	financial	financial	ADJ
fsr-3296	722	7	services	service	NOUN
fsr-3296	722	8	review	review	VERB
fsr-3296	722	9	26	26	NUM
fsr-3296	722	10	(	(	PUNCT
fsr-3296	722	11	2017	2017	NUM
fsr-3296	722	12	)	)	PUNCT
fsr-3296	722	13	55–85	55–85	NUM
fsr-3296	722	14	of	of	ADP
fsr-3296	722	15	extant	extant	ADJ
fsr-3296	722	16	literature	literature	NOUN
fsr-3296	722	17	reveals	reveal	VERB
fsr-3296	722	18	a	a	DET
fsr-3296	722	19	three	three	NUM
fsr-3296	722	20	-	-	ADJ
fsr-3296	722	21	fold	fold	ADJ
fsr-3296	722	22	gap	gap	NOUN
fsr-3296	722	23	in	in	ADP
fsr-3296	722	24	household	household	NOUN
fsr-3296	722	25	borrowing	borrowing	NOUN
fsr-3296	722	26	research	research	NOUN
fsr-3296	722	27	.	.	PUNCT
fsr-3296	723	1	first	first	ADV
fsr-3296	723	2	,	,	PUNCT
fsr-3296	723	3	the	the	DET
fsr-3296	723	4	role	role	NOUN
fsr-3296	723	5	of	of	ADP
fsr-3296	723	6	personality	personality	NOUN
fsr-3296	723	7	traits	trait	NOUN
fsr-3296	723	8	in	in	ADP
fsr-3296	723	9	household	household	NOUN
fsr-3296	723	10	finance	finance	NOUN
fsr-3296	723	11	remains	remain	VERB
fsr-3296	723	12	an	an	DET
fsr-3296	723	13	area	area	NOUN
fsr-3296	723	14	that	that	PRON
fsr-3296	723	15	should	should	AUX
fsr-3296	723	16	be	be	AUX
fsr-3296	723	17	investigated	investigate	VERB
fsr-3296	723	18	.	.	PUNCT
fsr-3296	724	1	the	the	DET
fsr-3296	724	2	extant	extant	ADJ
fsr-3296	724	3	research	research	NOUN
fsr-3296	724	4	has	have	AUX
fsr-3296	724	5	mainly	mainly	ADV
fsr-3296	724	6	focused	focus	VERB
fsr-3296	724	7	on	on	ADP
fsr-3296	724	8	the	the	DET
fsr-3296	724	9	big	big	ADJ
fsr-3296	724	10	five	five	NUM
fsr-3296	724	11	personality	personality	NOUN
fsr-3296	724	12	traits	trait	NOUN
fsr-3296	724	13	and	and	CCONJ
fsr-3296	724	14	has	have	AUX
fsr-3296	724	15	not	not	PART
fsr-3296	724	16	examined	examine	VERB
fsr-3296	724	17	the	the	DET
fsr-3296	724	18	extensions	extension	NOUN
fsr-3296	724	19	by	by	ADP
fsr-3296	724	20	the	the	DET
fsr-3296	724	21	more	more	ADV
fsr-3296	724	22	comprehensive	comprehensive	ADJ
fsr-3296	724	23	3	3	NUM
fsr-3296	724	24	m	m	NOUN
fsr-3296	724	25	model	model	NOUN
fsr-3296	724	26	of	of	ADP
fsr-3296	724	27	motivation	motivation	NOUN
fsr-3296	724	28	and	and	CCONJ
fsr-3296	724	29	personality	personality	NOUN
fsr-3296	724	30	.	.	PUNCT
fsr-3296	725	1	specifically	specifically	ADV
fsr-3296	725	2	,	,	PUNCT
fsr-3296	725	3	the	the	DET
fsr-3296	725	4	need	need	NOUN
fsr-3296	725	5	for	for	ADP
fsr-3296	725	6	material	material	ADJ
fsr-3296	725	7	resources	resource	NOUN
fsr-3296	725	8	and	and	CCONJ
fsr-3296	725	9	the	the	DET
fsr-3296	725	10	need	need	NOUN
fsr-3296	725	11	for	for	ADP
fsr-3296	725	12	arousal	arousal	ADJ
fsr-3296	725	13	traits	trait	NOUN
fsr-3296	725	14	have	have	AUX
fsr-3296	725	15	not	not	PART
fsr-3296	725	16	been	be	AUX
fsr-3296	725	17	fully	fully	ADV
fsr-3296	725	18	explored	explore	VERB
fsr-3296	725	19	.	.	PUNCT
fsr-3296	726	1	second	second	ADJ
fsr-3296	726	2	,	,	PUNCT
fsr-3296	726	3	current	current	ADJ
fsr-3296	726	4	literature	literature	NOUN
fsr-3296	726	5	has	have	AUX
fsr-3296	726	6	often	often	ADV
fsr-3296	726	7	applied	apply	VERB
fsr-3296	726	8	attitude	attitude	NOUN
fsr-3296	726	9	toward	toward	ADP
fsr-3296	726	10	a	a	DET
fsr-3296	726	11	behavior	behavior	NOUN
fsr-3296	726	12	and	and	CCONJ
fsr-3296	726	13	intention	intention	NOUN
fsr-3296	726	14	for	for	ADP
fsr-3296	726	15	the	the	DET
fsr-3296	726	16	behavior	behavior	NOUN
fsr-3296	726	17	interchangeably	interchangeably	ADV
fsr-3296	726	18	.	.	PUNCT
fsr-3296	727	1	third	third	ADJ
fsr-3296	727	2	,	,	PUNCT
fsr-3296	727	3	borrowing	borrowing	NOUN
fsr-3296	727	4	behavior	behavior	NOUN
fsr-3296	727	5	has	have	AUX
fsr-3296	727	6	been	be	AUX
fsr-3296	727	7	defined	define	VERB
fsr-3296	727	8	too	too	ADV
fsr-3296	727	9	broadly	broadly	ADV
fsr-3296	727	10	with	with	ADP
fsr-3296	727	11	minimal	minimal	ADJ
fsr-3296	727	12	attention	attention	NOUN
fsr-3296	727	13	to	to	ADP
fsr-3296	727	14	the	the	DET
fsr-3296	727	15	fact	fact	NOUN
fsr-3296	727	16	that	that	SCONJ
fsr-3296	727	17	the	the	DET
fsr-3296	727	18	ultimate	ultimate	ADJ
fsr-3296	727	19	purpose	purpose	NOUN
fsr-3296	727	20	of	of	ADP
fsr-3296	727	21	the	the	DET
fsr-3296	727	22	borrowing	borrowing	NOUN
fsr-3296	727	23	might	might	AUX
fsr-3296	727	24	influence	influence	VERB
fsr-3296	727	25	the	the	DET
fsr-3296	727	26	decision	decision	NOUN
fsr-3296	727	27	to	to	PART
fsr-3296	727	28	borrow	borrow	VERB
fsr-3296	727	29	.	.	PUNCT
fsr-3296	728	1	the	the	DET
fsr-3296	728	2	present	present	ADJ
fsr-3296	728	3	research	research	NOUN
fsr-3296	728	4	is	be	AUX
fsr-3296	728	5	an	an	DET
fsr-3296	728	6	effort	effort	NOUN
fsr-3296	728	7	to	to	PART
fsr-3296	728	8	address	address	VERB
fsr-3296	728	9	the	the	DET
fsr-3296	728	10	aforementioned	aforementioned	ADJ
fsr-3296	728	11	gaps	gap	NOUN
fsr-3296	728	12	.	.	PUNCT
fsr-3296	729	1	first	first	ADV
fsr-3296	729	2	,	,	PUNCT
fsr-3296	729	3	we	we	PRON
fsr-3296	729	4	use	use	VERB
fsr-3296	729	5	an	an	DET
fsr-3296	729	6	extended	extended	ADJ
fsr-3296	729	7	version	version	NOUN
fsr-3296	729	8	of	of	ADP
fsr-3296	729	9	the	the	DET
fsr-3296	729	10	big	big	ADJ
fsr-3296	729	11	five	five	NUM
fsr-3296	729	12	model	model	NOUN
fsr-3296	729	13	of	of	ADP
fsr-3296	729	14	personality	personality	NOUN
fsr-3296	729	15	that	that	PRON
fsr-3296	729	16	includes	include	VERB
fsr-3296	729	17	,	,	PUNCT
fsr-3296	729	18	in	in	ADP
fsr-3296	729	19	addition	addition	NOUN
fsr-3296	729	20	to	to	ADP
fsr-3296	729	21	the	the	DET
fsr-3296	729	22	conventional	conventional	ADJ
fsr-3296	729	23	five	five	NUM
fsr-3296	729	24	traits	trait	NOUN
fsr-3296	729	25	,	,	PUNCT
fsr-3296	729	26	the	the	DET
fsr-3296	729	27	two	two	NUM
fsr-3296	729	28	additional	additional	ADJ
fsr-3296	729	29	personality	personality	NOUN
fsr-3296	729	30	traits	trait	NOUN
fsr-3296	729	31	mentioned	mention	VERB
fsr-3296	729	32	above	above	ADV
fsr-3296	729	33	.	.	PUNCT
fsr-3296	730	1	second	second	ADV
fsr-3296	730	2	,	,	PUNCT
fsr-3296	730	3	we	we	PRON
fsr-3296	730	4	make	make	VERB
fsr-3296	730	5	a	a	DET
fsr-3296	730	6	clear	clear	ADJ
fsr-3296	730	7	distinction	distinction	NOUN
fsr-3296	730	8	between	between	ADP
fsr-3296	730	9	the	the	DET
fsr-3296	730	10	attitude	attitude	NOUN
fsr-3296	730	11	towards	towards	ADP
fsr-3296	730	12	borrowing	borrowing	NOUN
fsr-3296	730	13	and	and	CCONJ
fsr-3296	730	14	the	the	DET
fsr-3296	730	15	intention	intention	NOUN
fsr-3296	730	16	to	to	PART
fsr-3296	730	17	borrow	borrow	VERB
fsr-3296	730	18	.	.	PUNCT
fsr-3296	731	1	finally	finally	ADV
fsr-3296	731	2	,	,	PUNCT
fsr-3296	731	3	we	we	PRON
fsr-3296	731	4	consider	consider	VERB
fsr-3296	731	5	a	a	DET
fsr-3296	731	6	wide	wide	ADJ
fsr-3296	731	7	spectrum	spectrum	NOUN
fsr-3296	731	8	of	of	ADP
fsr-3296	731	9	borrowing	borrowing	NOUN
fsr-3296	731	10	behaviors	behavior	NOUN
fsr-3296	731	11	defined	define	VERB
fsr-3296	731	12	by	by	ADP
fsr-3296	731	13	the	the	DET
fsr-3296	731	14	scf	scf	PROPN
fsr-3296	731	15	administered	administer	VERB
fsr-3296	731	16	by	by	ADP
fsr-3296	731	17	the	the	DET
fsr-3296	731	18	federal	federal	PROPN
fsr-3296	731	19	reserve	reserve	PROPN
fsr-3296	731	20	.	.	PUNCT
fsr-3296	732	1	the	the	DET
fsr-3296	732	2	findings	finding	NOUN
fsr-3296	732	3	are	be	AUX
fsr-3296	732	4	insightful	insightful	ADJ
fsr-3296	732	5	and	and	CCONJ
fsr-3296	732	6	present	present	VERB
fsr-3296	732	7	several	several	ADJ
fsr-3296	732	8	practical	practical	ADJ
fsr-3296	732	9	and	and	CCONJ
fsr-3296	732	10	academic	academic	ADJ
fsr-3296	732	11	implications	implication	NOUN
fsr-3296	732	12	.	.	PUNCT
fsr-3296	733	1	first	first	ADV
fsr-3296	733	2	,	,	PUNCT
fsr-3296	733	3	our	our	PRON
fsr-3296	733	4	analyses	analysis	NOUN
fsr-3296	733	5	indicate	indicate	VERB
fsr-3296	733	6	that	that	SCONJ
fsr-3296	733	7	the	the	DET
fsr-3296	733	8	two	two	NUM
fsr-3296	733	9	additional	additional	ADJ
fsr-3296	733	10	personality	personality	NOUN
fsr-3296	733	11	traits	trait	NOUN
fsr-3296	733	12	,	,	PUNCT
fsr-3296	733	13	the	the	DET
fsr-3296	733	14	need	need	NOUN
fsr-3296	733	15	for	for	ADP
fsr-3296	733	16	material	material	ADJ
fsr-3296	733	17	resources	resource	NOUN
fsr-3296	733	18	and	and	CCONJ
fsr-3296	733	19	the	the	DET
fsr-3296	733	20	need	need	NOUN
fsr-3296	733	21	for	for	ADP
fsr-3296	733	22	arousal	arousal	NOUN
fsr-3296	733	23	,	,	PUNCT
fsr-3296	733	24	play	play	VERB
fsr-3296	733	25	a	a	DET
fsr-3296	733	26	significant	significant	ADJ
fsr-3296	733	27	role	role	NOUN
fsr-3296	733	28	in	in	ADP
fsr-3296	733	29	shaping	shape	VERB
fsr-3296	733	30	borrowing	borrowing	NOUN
fsr-3296	733	31	behavior	behavior	NOUN
fsr-3296	733	32	.	.	PUNCT
fsr-3296	734	1	second	second	ADJ
fsr-3296	734	2	,	,	PUNCT
fsr-3296	734	3	our	our	PRON
fsr-3296	734	4	findings	finding	NOUN
fsr-3296	734	5	indicate	indicate	VERB
fsr-3296	734	6	the	the	DET
fsr-3296	734	7	importance	importance	NOUN
fsr-3296	734	8	of	of	ADP
fsr-3296	734	9	making	make	VERB
fsr-3296	734	10	a	a	DET
fsr-3296	734	11	clear	clear	ADJ
fsr-3296	734	12	distinction	distinction	NOUN
fsr-3296	734	13	between	between	ADP
fsr-3296	734	14	the	the	DET
fsr-3296	734	15	attitude	attitude	NOUN
fsr-3296	734	16	towards	towards	ADP
fsr-3296	734	17	borrowing	borrowing	NOUN
fsr-3296	734	18	and	and	CCONJ
fsr-3296	734	19	the	the	DET
fsr-3296	734	20	intentions	intention	NOUN
fsr-3296	734	21	to	to	PART
fsr-3296	734	22	borrow	borrow	VERB
fsr-3296	734	23	.	.	PUNCT
fsr-3296	735	1	the	the	DET
fsr-3296	735	2	attitude	attitude	NOUN
fsr-3296	735	3	towards	towards	ADP
fsr-3296	735	4	borrowing	borrowing	NOUN
fsr-3296	735	5	and	and	CCONJ
fsr-3296	735	6	the	the	DET
fsr-3296	735	7	intention	intention	NOUN
fsr-3296	735	8	to	to	PART
fsr-3296	735	9	borrow	borrow	VERB
fsr-3296	735	10	do	do	AUX
fsr-3296	735	11	not	not	PART
fsr-3296	735	12	always	always	ADV
fsr-3296	735	13	accord	accord	NOUN
fsr-3296	735	14	,	,	PUNCT
fsr-3296	735	15	and	and	CCONJ
fsr-3296	735	16	the	the	DET
fsr-3296	735	17	inconsistency	inconsistency	NOUN
fsr-3296	735	18	between	between	ADP
fsr-3296	735	19	the	the	DET
fsr-3296	735	20	two	two	NUM
fsr-3296	735	21	varies	varie	NOUN
fsr-3296	735	22	across	across	ADP
fsr-3296	735	23	personalities	personality	NOUN
fsr-3296	735	24	.	.	PUNCT
fsr-3296	736	1	in	in	ADP
fsr-3296	736	2	other	other	ADJ
fsr-3296	736	3	words	word	NOUN
fsr-3296	736	4	,	,	PUNCT
fsr-3296	736	5	our	our	PRON
fsr-3296	736	6	results	result	NOUN
fsr-3296	736	7	provide	provide	VERB
fsr-3296	736	8	evidence	evidence	NOUN
fsr-3296	736	9	for	for	ADP
fsr-3296	736	10	the	the	DET
fsr-3296	736	11	interaction	interaction	NOUN
fsr-3296	736	12	between	between	ADP
fsr-3296	736	13	personality	personality	NOUN
fsr-3296	736	14	and	and	CCONJ
fsr-3296	736	15	attitudes	attitude	NOUN
fsr-3296	736	16	towards	towards	ADP
fsr-3296	736	17	borrowing	borrow	VERB
fsr-3296	736	18	on	on	ADP
fsr-3296	736	19	intentions	intention	NOUN
fsr-3296	736	20	for	for	ADP
fsr-3296	736	21	specific	specific	ADJ
fsr-3296	736	22	borrowing	borrowing	NOUN
fsr-3296	736	23	options	option	NOUN
fsr-3296	736	24	.	.	PUNCT
fsr-3296	737	1	third	third	ADJ
fsr-3296	737	2	,	,	PUNCT
fsr-3296	737	3	we	we	PRON
fsr-3296	737	4	demonstrate	demonstrate	VERB
fsr-3296	737	5	that	that	SCONJ
fsr-3296	737	6	different	different	ADJ
fsr-3296	737	7	borrowing	borrowing	NOUN
fsr-3296	737	8	options	option	NOUN
fsr-3296	737	9	are	be	AUX
fsr-3296	737	10	not	not	PART
fsr-3296	737	11	homogenous	homogenous	ADJ
fsr-3296	737	12	and	and	CCONJ
fsr-3296	737	13	more	more	ADV
fsr-3296	737	14	importantly	importantly	ADV
fsr-3296	737	15	,	,	PUNCT
fsr-3296	737	16	are	be	AUX
fsr-3296	737	17	motivated	motivate	VERB
fsr-3296	737	18	differently	differently	ADV
fsr-3296	737	19	across	across	ADP
fsr-3296	737	20	personalities	personality	NOUN
fsr-3296	737	21	.	.	PUNCT
fsr-3296	738	1	intuitively	intuitively	ADV
fsr-3296	738	2	,	,	PUNCT
fsr-3296	738	3	the	the	DET
fsr-3296	738	4	attitude	attitude	NOUN
fsr-3296	738	5	towards	towards	ADP
fsr-3296	738	6	borrowing	borrowing	NOUN
fsr-3296	738	7	influences	influence	VERB
fsr-3296	738	8	the	the	DET
fsr-3296	738	9	intention	intention	NOUN
fsr-3296	738	10	to	to	PART
fsr-3296	738	11	borrow	borrow	VERB
fsr-3296	738	12	.	.	PUNCT
fsr-3296	739	1	our	our	PRON
fsr-3296	739	2	finding	finding	NOUN
fsr-3296	739	3	,	,	PUNCT
fsr-3296	739	4	however	however	ADV
fsr-3296	739	5	,	,	PUNCT
fsr-3296	739	6	shows	show	VERB
fsr-3296	739	7	that	that	SCONJ
fsr-3296	739	8	this	this	DET
fsr-3296	739	9	intuitive	intuitive	ADJ
fsr-3296	739	10	relationship	relationship	NOUN
fsr-3296	739	11	is	be	AUX
fsr-3296	739	12	not	not	PART
fsr-3296	739	13	consistent	consistent	ADJ
fsr-3296	739	14	across	across	ADP
fsr-3296	739	15	different	different	ADJ
fsr-3296	739	16	borrowing	borrowing	NOUN
fsr-3296	739	17	options	option	NOUN
fsr-3296	739	18	and	and	CCONJ
fsr-3296	739	19	is	be	AUX
fsr-3296	739	20	greatly	greatly	ADV
fsr-3296	739	21	influenced	influence	VERB
fsr-3296	739	22	by	by	ADP
fsr-3296	739	23	the	the	DET
fsr-3296	739	24	borrower	borrower	NOUN
fsr-3296	739	25	’s	’s	PART
fsr-3296	739	26	personality	personality	NOUN
fsr-3296	739	27	characteristics	characteristic	NOUN
fsr-3296	739	28	.	.	PUNCT
fsr-3296	740	1	overall	overall	ADJ
fsr-3296	740	2	,	,	PUNCT
fsr-3296	740	3	individuals	individual	NOUN
fsr-3296	740	4	with	with	ADP
fsr-3296	740	5	greater	great	ADJ
fsr-3296	740	6	need	need	NOUN
fsr-3296	740	7	for	for	ADP
fsr-3296	740	8	material	material	NOUN
fsr-3296	740	9	resources	resource	NOUN
fsr-3296	740	10	find	find	VERB
fsr-3296	740	11	happiness	happiness	NOUN
fsr-3296	740	12	in	in	ADP
fsr-3296	740	13	owning	own	VERB
fsr-3296	740	14	material	material	NOUN
fsr-3296	740	15	wealth	wealth	NOUN
fsr-3296	740	16	.	.	PUNCT
fsr-3296	741	1	they	they	PRON
fsr-3296	741	2	view	view	VERB
fsr-3296	741	3	possessions	possession	NOUN
fsr-3296	741	4	as	as	ADP
fsr-3296	741	5	means	mean	NOUN
fsr-3296	741	6	of	of	ADP
fsr-3296	741	7	achieving	achieve	VERB
fsr-3296	741	8	utility	utility	NOUN
fsr-3296	741	9	and	and	CCONJ
fsr-3296	741	10	social	social	ADJ
fsr-3296	741	11	status	status	NOUN
fsr-3296	741	12	as	as	SCONJ
fsr-3296	741	13	opposed	oppose	VERB
fsr-3296	741	14	to	to	ADP
fsr-3296	741	15	comfort	comfort	NOUN
fsr-3296	741	16	and	and	CCONJ
fsr-3296	741	17	pleasure	pleasure	NOUN
fsr-3296	741	18	(	(	PUNCT
fsr-3296	741	19	richins	richin	NOUN
fsr-3296	741	20	&	&	CCONJ
fsr-3296	741	21	dawson	dawson	PROPN
fsr-3296	741	22	,	,	PUNCT
fsr-3296	741	23	1992	1992	NUM
fsr-3296	741	24	)	)	PUNCT
fsr-3296	741	25	.	.	PUNCT
fsr-3296	742	1	therefore	therefore	ADV
fsr-3296	742	2	,	,	PUNCT
fsr-3296	742	3	they	they	PRON
fsr-3296	742	4	are	be	AUX
fsr-3296	742	5	more	more	ADV
fsr-3296	742	6	willing	willing	ADJ
fsr-3296	742	7	to	to	PART
fsr-3296	742	8	carry	carry	VERB
fsr-3296	742	9	the	the	DET
fsr-3296	742	10	burden	burden	NOUN
fsr-3296	742	11	of	of	ADP
fsr-3296	742	12	a	a	DET
fsr-3296	742	13	loan	loan	NOUN
fsr-3296	742	14	in	in	ADP
fsr-3296	742	15	exchange	exchange	NOUN
fsr-3296	742	16	for	for	ADP
fsr-3296	742	17	psychological	psychological	ADJ
fsr-3296	742	18	satisfactions	satisfaction	NOUN
fsr-3296	742	19	.	.	PUNCT
fsr-3296	743	1	their	their	PRON
fsr-3296	743	2	borrowing	borrowing	NOUN
fsr-3296	743	3	behavior	behavior	NOUN
fsr-3296	743	4	,	,	PUNCT
fsr-3296	743	5	therefore	therefore	ADV
fsr-3296	743	6	,	,	PUNCT
fsr-3296	743	7	is	be	AUX
fsr-3296	743	8	marked	mark	VERB
fsr-3296	743	9	by	by	ADP
fsr-3296	743	10	stronger	strong	ADJ
fsr-3296	743	11	urge	urge	NOUN
fsr-3296	743	12	to	to	PART
fsr-3296	743	13	possess	possess	VERB
fsr-3296	743	14	material	material	ADJ
fsr-3296	743	15	wealth	wealth	NOUN
fsr-3296	743	16	.	.	PUNCT
fsr-3296	744	1	we	we	PRON
fsr-3296	744	2	find	find	VERB
fsr-3296	744	3	that	that	SCONJ
fsr-3296	744	4	for	for	ADP
fsr-3296	744	5	individuals	individual	NOUN
fsr-3296	744	6	with	with	ADP
fsr-3296	744	7	greater	great	ADJ
fsr-3296	744	8	need	need	NOUN
fsr-3296	744	9	for	for	ADP
fsr-3296	744	10	material	material	ADJ
fsr-3296	744	11	resources	resource	NOUN
fsr-3296	744	12	,	,	PUNCT
fsr-3296	744	13	the	the	DET
fsr-3296	744	14	impact	impact	NOUN
fsr-3296	744	15	of	of	ADP
fsr-3296	744	16	the	the	DET
fsr-3296	744	17	attitude	attitude	NOUN
fsr-3296	744	18	towards	towards	ADP
fsr-3296	744	19	borrowing	borrowing	NOUN
fsr-3296	744	20	on	on	ADP
fsr-3296	744	21	the	the	DET
fsr-3296	744	22	intention	intention	NOUN
fsr-3296	744	23	to	to	PART
fsr-3296	744	24	borrow	borrow	VERB
fsr-3296	744	25	is	be	AUX
fsr-3296	744	26	significantly	significantly	ADV
fsr-3296	744	27	intensified	intensify	VERB
fsr-3296	744	28	in	in	ADP
fsr-3296	744	29	mortgages	mortgage	NOUN
fsr-3296	744	30	,	,	PUNCT
fsr-3296	744	31	home	home	NOUN
fsr-3296	744	32	improvement	improvement	NOUN
fsr-3296	744	33	loans	loan	NOUN
fsr-3296	744	34	,	,	PUNCT
fsr-3296	744	35	business	business	NOUN
fsr-3296	744	36	loans	loan	NOUN
fsr-3296	744	37	,	,	PUNCT
fsr-3296	744	38	personal	personal	ADJ
fsr-3296	744	39	loans	loan	NOUN
fsr-3296	744	40	,	,	PUNCT
fsr-3296	744	41	and	and	CCONJ
fsr-3296	744	42	payday	payday	NOUN
fsr-3296	744	43	loans	loan	NOUN
fsr-3296	744	44	.	.	PUNCT
fsr-3296	745	1	the	the	DET
fsr-3296	745	2	same	same	ADJ
fsr-3296	745	3	is	be	AUX
fsr-3296	745	4	not	not	PART
fsr-3296	745	5	true	true	ADJ
fsr-3296	745	6	for	for	ADP
fsr-3296	745	7	automobile	automobile	NOUN
fsr-3296	745	8	loans	loan	NOUN
fsr-3296	745	9	,	,	PUNCT
fsr-3296	745	10	credit	credit	NOUN
fsr-3296	745	11	cards	card	NOUN
fsr-3296	745	12	,	,	PUNCT
fsr-3296	745	13	and	and	CCONJ
fsr-3296	745	14	student	student	NOUN
fsr-3296	745	15	loans	loan	NOUN
fsr-3296	745	16	.	.	PUNCT
fsr-3296	746	1	we	we	PRON
fsr-3296	746	2	find	find	VERB
fsr-3296	746	3	this	this	DET
fsr-3296	746	4	divergence	divergence	NOUN
fsr-3296	746	5	wellexplained	wellexplaine	VERB
fsr-3296	746	6	by	by	ADP
fsr-3296	746	7	the	the	DET
fsr-3296	746	8	psychological	psychological	ADJ
fsr-3296	746	9	characteristics	characteristic	NOUN
fsr-3296	746	10	of	of	ADP
fsr-3296	746	11	individuals	individual	NOUN
fsr-3296	746	12	with	with	ADP
fsr-3296	746	13	greater	great	ADJ
fsr-3296	746	14	need	need	NOUN
fsr-3296	746	15	for	for	ADP
fsr-3296	746	16	material	material	ADJ
fsr-3296	746	17	resources	resource	NOUN
fsr-3296	746	18	.	.	PUNCT
fsr-3296	747	1	they	they	PRON
fsr-3296	747	2	are	be	AUX
fsr-3296	747	3	more	more	ADV
fsr-3296	747	4	concerned	concerned	ADJ
fsr-3296	747	5	about	about	ADP
fsr-3296	747	6	their	their	PRON
fsr-3296	747	7	social	social	ADJ
fsr-3296	747	8	image	image	NOUN
fsr-3296	747	9	compared	compare	VERB
fsr-3296	747	10	to	to	ADP
fsr-3296	747	11	those	those	PRON
fsr-3296	747	12	who	who	PRON
fsr-3296	747	13	score	score	VERB
fsr-3296	747	14	lower	lower	ADV
fsr-3296	747	15	on	on	ADP
fsr-3296	747	16	this	this	DET
fsr-3296	747	17	trait	trait	NOUN
fsr-3296	747	18	(	(	PUNCT
fsr-3296	747	19	christopher	christopher	PROPN
fsr-3296	747	20	,	,	PUNCT
fsr-3296	747	21	marek	marek	PROPN
fsr-3296	747	22	,	,	PUNCT
fsr-3296	747	23	&	&	CCONJ
fsr-3296	747	24	carroll	carroll	PROPN
fsr-3296	747	25	,	,	PUNCT
fsr-3296	747	26	2004	2004	NUM
fsr-3296	747	27	)	)	PUNCT
fsr-3296	747	28	and	and	CCONJ
fsr-3296	747	29	,	,	PUNCT
fsr-3296	747	30	therefore	therefore	ADV
fsr-3296	747	31	,	,	PUNCT
fsr-3296	747	32	they	they	PRON
fsr-3296	747	33	have	have	VERB
fsr-3296	747	34	a	a	DET
fsr-3296	747	35	stronger	strong	ADJ
fsr-3296	747	36	urge	urge	NOUN
fsr-3296	747	37	to	to	PART
fsr-3296	747	38	own	own	VERB
fsr-3296	747	39	a	a	DET
fsr-3296	747	40	home	home	NOUN
fsr-3296	747	41	,	,	PUNCT
fsr-3296	747	42	improve	improve	VERB
fsr-3296	747	43	their	their	PRON
fsr-3296	747	44	home	home	NOUN
fsr-3296	747	45	,	,	PUNCT
fsr-3296	747	46	and	and	CCONJ
fsr-3296	747	47	own	own	VERB
fsr-3296	747	48	a	a	DET
fsr-3296	747	49	business	business	NOUN
fsr-3296	747	50	.	.	PUNCT
fsr-3296	748	1	these	these	DET
fsr-3296	748	2	individuals	individual	NOUN
fsr-3296	748	3	are	be	AUX
fsr-3296	748	4	more	more	ADV
fsr-3296	748	5	likely	likely	ADJ
fsr-3296	748	6	to	to	PART
fsr-3296	748	7	spend	spend	VERB
fsr-3296	748	8	money	money	NOUN
fsr-3296	748	9	on	on	ADP
fsr-3296	748	10	themselves	themselves	PRON
fsr-3296	748	11	than	than	ADP
fsr-3296	748	12	on	on	ADP
fsr-3296	748	13	others	other	NOUN
fsr-3296	748	14	and	and	CCONJ
fsr-3296	748	15	they	they	PRON
fsr-3296	748	16	contribute	contribute	VERB
fsr-3296	748	17	less	less	ADJ
fsr-3296	748	18	money	money	NOUN
fsr-3296	748	19	to	to	ADP
fsr-3296	748	20	charities	charity	NOUN
fsr-3296	748	21	(	(	PUNCT
fsr-3296	748	22	richins	richin	NOUN
fsr-3296	748	23	&	&	CCONJ
fsr-3296	748	24	dawson	dawson	PROPN
fsr-3296	748	25	,	,	PUNCT
fsr-3296	748	26	1992	1992	NUM
fsr-3296	748	27	)	)	PUNCT
fsr-3296	748	28	that	that	PRON
fsr-3296	748	29	explains	explain	VERB
fsr-3296	748	30	why	why	SCONJ
fsr-3296	748	31	they	they	PRON
fsr-3296	748	32	have	have	VERB
fsr-3296	748	33	stronger	strong	ADJ
fsr-3296	748	34	intention	intention	NOUN
fsr-3296	748	35	to	to	PART
fsr-3296	748	36	obtain	obtain	VERB
fsr-3296	748	37	personal	personal	ADJ
fsr-3296	748	38	loans	loan	NOUN
fsr-3296	748	39	.	.	PUNCT
fsr-3296	749	1	finally	finally	ADV
fsr-3296	749	2	,	,	PUNCT
fsr-3296	749	3	they	they	PRON
fsr-3296	749	4	are	be	AUX
fsr-3296	749	5	more	more	ADV
fsr-3296	749	6	likely	likely	ADJ
fsr-3296	749	7	to	to	PART
fsr-3296	749	8	get	get	AUX
fsr-3296	749	9	engaged	engage	VERB
fsr-3296	749	10	in	in	ADP
fsr-3296	749	11	compulsive	compulsive	ADJ
fsr-3296	749	12	buying	buying	NOUN
fsr-3296	749	13	(	(	PUNCT
fsr-3296	749	14	mowen	mowen	NOUN
fsr-3296	749	15	,	,	PUNCT
fsr-3296	749	16	80	80	NUM
fsr-3296	749	17	a.	a.	NOUN
fsr-3296	749	18	yazdanparast	yazdanparast	NOUN
fsr-3296	749	19	,	,	PUNCT
fsr-3296	749	20	y.	y.	PROPN
fsr-3296	749	21	alhenawi	alhenawi	PROPN
fsr-3296	749	22	/	/	SYM
fsr-3296	749	23	financial	financial	ADJ
fsr-3296	749	24	services	service	NOUN
fsr-3296	749	25	review	review	VERB
fsr-3296	749	26	26	26	NUM
fsr-3296	749	27	(	(	PUNCT
fsr-3296	749	28	2017	2017	NUM
fsr-3296	749	29	)	)	PUNCT
fsr-3296	749	30	55–85	55–85	NUM
fsr-3296	749	31	2000	2000	NUM
fsr-3296	749	32	;	;	PUNCT
fsr-3296	749	33	mowen	mowen	NOUN
fsr-3296	749	34	&	&	CCONJ
fsr-3296	749	35	spears	spear	NOUN
fsr-3296	749	36	,	,	PUNCT
fsr-3296	749	37	1999	1999	NUM
fsr-3296	749	38	)	)	PUNCT
fsr-3296	749	39	that	that	PRON
fsr-3296	749	40	explains	explain	VERB
fsr-3296	749	41	the	the	DET
fsr-3296	749	42	stronger	strong	ADJ
fsr-3296	749	43	intention	intention	NOUN
fsr-3296	749	44	for	for	ADP
fsr-3296	749	45	payday	payday	NOUN
fsr-3296	749	46	loans	loan	NOUN
fsr-3296	749	47	.	.	PUNCT
fsr-3296	750	1	arguably	arguably	ADV
fsr-3296	750	2	,	,	PUNCT
fsr-3296	750	3	they	they	PRON
fsr-3296	750	4	are	be	AUX
fsr-3296	750	5	willing	willing	ADJ
fsr-3296	750	6	to	to	PART
fsr-3296	750	7	carry	carry	VERB
fsr-3296	750	8	the	the	DET
fsr-3296	750	9	burden	burden	NOUN
fsr-3296	750	10	of	of	ADP
fsr-3296	750	11	the	the	DET
fsr-3296	750	12	debt	debt	NOUN
fsr-3296	750	13	to	to	PART
fsr-3296	750	14	satisfy	satisfy	VERB
fsr-3296	750	15	their	their	PRON
fsr-3296	750	16	psychological	psychological	ADJ
fsr-3296	750	17	need	need	NOUN
fsr-3296	750	18	to	to	PART
fsr-3296	750	19	spend	spend	VERB
fsr-3296	750	20	and	and	CCONJ
fsr-3296	750	21	own	own	VERB
fsr-3296	750	22	personal	personal	ADJ
fsr-3296	750	23	items	item	NOUN
fsr-3296	750	24	immediately	immediately	ADV
fsr-3296	750	25	(	(	PUNCT
fsr-3296	750	26	as	as	SCONJ
fsr-3296	750	27	opposed	oppose	VERB
fsr-3296	750	28	to	to	PART
fsr-3296	750	29	wait	wait	VERB
fsr-3296	750	30	and	and	CCONJ
fsr-3296	750	31	save	save	VERB
fsr-3296	750	32	up	up	ADP
fsr-3296	750	33	for	for	ADP
fsr-3296	750	34	them	they	PRON
fsr-3296	750	35	)	)	PUNCT
fsr-3296	750	36	.	.	PUNCT
fsr-3296	751	1	in	in	ADP
fsr-3296	751	2	contrast	contrast	NOUN
fsr-3296	751	3	,	,	PUNCT
fsr-3296	751	4	individuals	individual	NOUN
fsr-3296	751	5	who	who	PRON
fsr-3296	751	6	have	have	VERB
fsr-3296	751	7	greater	great	ADJ
fsr-3296	751	8	need	need	NOUN
fsr-3296	751	9	for	for	ADP
fsr-3296	751	10	arousal	arousal	NOUN
fsr-3296	751	11	derive	derive	VERB
fsr-3296	751	12	happiness	happiness	NOUN
fsr-3296	751	13	from	from	ADP
fsr-3296	751	14	the	the	DET
fsr-3296	751	15	purchasing	purchasing	NOUN
fsr-3296	751	16	experience	experience	NOUN
fsr-3296	751	17	itself	itself	PRON
fsr-3296	751	18	and	and	CCONJ
fsr-3296	751	19	,	,	PUNCT
fsr-3296	751	20	thus	thus	ADV
fsr-3296	751	21	,	,	PUNCT
fsr-3296	751	22	they	they	PRON
fsr-3296	751	23	enjoy	enjoy	VERB
fsr-3296	751	24	the	the	DET
fsr-3296	751	25	frequency	frequency	NOUN
fsr-3296	751	26	of	of	ADP
fsr-3296	751	27	purchasing	purchase	VERB
fsr-3296	751	28	(	(	PUNCT
fsr-3296	751	29	licata	licata	NOUN
fsr-3296	751	30	,	,	PUNCT
fsr-3296	751	31	mowen	mowen	NOUN
fsr-3296	751	32	,	,	PUNCT
fsr-3296	751	33	harris	harris	PROPN
fsr-3296	751	34	,	,	PUNCT
fsr-3296	751	35	&	&	CCONJ
fsr-3296	751	36	brown	brown	PROPN
fsr-3296	751	37	,	,	PUNCT
fsr-3296	751	38	2003	2003	NUM
fsr-3296	751	39	;	;	PUNCT
fsr-3296	751	40	mehrabian	mehrabian	PROPN
fsr-3296	751	41	&	&	CCONJ
fsr-3296	751	42	russell	russell	PROPN
fsr-3296	751	43	,	,	PUNCT
fsr-3296	751	44	1974	1974	NUM
fsr-3296	751	45	)	)	PUNCT
fsr-3296	751	46	.	.	PUNCT
fsr-3296	752	1	therefore	therefore	ADV
fsr-3296	752	2	,	,	PUNCT
fsr-3296	752	3	they	they	PRON
fsr-3296	752	4	spend	spend	VERB
fsr-3296	752	5	more	more	ADJ
fsr-3296	752	6	on	on	ADP
fsr-3296	752	7	frequent	frequent	ADJ
fsr-3296	752	8	purchases	purchase	NOUN
fsr-3296	752	9	including	include	VERB
fsr-3296	752	10	impulse	impulse	ADJ
fsr-3296	752	11	purchases	purchase	NOUN
fsr-3296	752	12	and	and	CCONJ
fsr-3296	752	13	less	less	ADJ
fsr-3296	752	14	on	on	ADP
fsr-3296	752	15	big	big	ADJ
fsr-3296	752	16	ticket	ticket	NOUN
fsr-3296	752	17	items	item	NOUN
fsr-3296	752	18	.	.	PUNCT
fsr-3296	753	1	we	we	PRON
fsr-3296	753	2	find	find	VERB
fsr-3296	753	3	that	that	SCONJ
fsr-3296	753	4	their	their	PRON
fsr-3296	753	5	borrowing	borrowing	NOUN
fsr-3296	753	6	pattern	pattern	NOUN
fsr-3296	753	7	is	be	AUX
fsr-3296	753	8	consistent	consistent	ADJ
fsr-3296	753	9	with	with	ADP
fsr-3296	753	10	their	their	PRON
fsr-3296	753	11	psychological	psychological	ADJ
fsr-3296	753	12	characteristics	characteristic	NOUN
fsr-3296	753	13	.	.	PUNCT
fsr-3296	754	1	for	for	ADP
fsr-3296	754	2	individuals	individual	NOUN
fsr-3296	754	3	with	with	ADP
fsr-3296	754	4	greater	great	ADJ
fsr-3296	754	5	need	need	NOUN
fsr-3296	754	6	for	for	ADP
fsr-3296	754	7	arousal	arousal	NOUN
fsr-3296	754	8	,	,	PUNCT
fsr-3296	754	9	the	the	DET
fsr-3296	754	10	association	association	NOUN
fsr-3296	754	11	between	between	ADP
fsr-3296	754	12	attitude	attitude	NOUN
fsr-3296	754	13	towards	towards	ADP
fsr-3296	754	14	borrowing	borrowing	NOUN
fsr-3296	754	15	and	and	CCONJ
fsr-3296	754	16	the	the	DET
fsr-3296	754	17	intention	intention	NOUN
fsr-3296	754	18	to	to	PART
fsr-3296	754	19	borrow	borrow	VERB
fsr-3296	754	20	is	be	AUX
fsr-3296	754	21	significantly	significantly	ADV
fsr-3296	754	22	stronger	strong	ADJ
fsr-3296	754	23	in	in	ADP
fsr-3296	754	24	the	the	DET
fsr-3296	754	25	case	case	NOUN
fsr-3296	754	26	of	of	ADP
fsr-3296	754	27	home	home	NOUN
fsr-3296	754	28	improvement	improvement	NOUN
fsr-3296	754	29	loans	loan	NOUN
fsr-3296	754	30	,	,	PUNCT
fsr-3296	754	31	business	business	NOUN
fsr-3296	754	32	loans	loan	NOUN
fsr-3296	754	33	,	,	PUNCT
fsr-3296	754	34	student	student	NOUN
fsr-3296	754	35	loans	loan	NOUN
fsr-3296	754	36	,	,	PUNCT
fsr-3296	754	37	personal	personal	ADJ
fsr-3296	754	38	loans	loan	NOUN
fsr-3296	754	39	,	,	PUNCT
fsr-3296	754	40	and	and	CCONJ
fsr-3296	754	41	payday	payday	NOUN
fsr-3296	754	42	loans	loan	NOUN
fsr-3296	754	43	.	.	PUNCT
fsr-3296	755	1	the	the	DET
fsr-3296	755	2	same	same	ADJ
fsr-3296	755	3	is	be	AUX
fsr-3296	755	4	not	not	PART
fsr-3296	755	5	true	true	ADJ
fsr-3296	755	6	for	for	ADP
fsr-3296	755	7	mortgages	mortgage	NOUN
fsr-3296	755	8	,	,	PUNCT
fsr-3296	755	9	automobile	automobile	NOUN
fsr-3296	755	10	loans	loan	NOUN
fsr-3296	755	11	,	,	PUNCT
fsr-3296	755	12	and	and	CCONJ
fsr-3296	755	13	credit	credit	NOUN
fsr-3296	755	14	cards	card	NOUN
fsr-3296	755	15	.	.	PUNCT
fsr-3296	756	1	in	in	ADP
fsr-3296	756	2	fact	fact	NOUN
fsr-3296	756	3	,	,	PUNCT
fsr-3296	756	4	the	the	DET
fsr-3296	756	5	intention	intention	NOUN
fsr-3296	756	6	for	for	ADP
fsr-3296	756	7	credit	credit	NOUN
fsr-3296	756	8	cards	card	NOUN
fsr-3296	756	9	and	and	CCONJ
fsr-3296	756	10	automotive	automotive	ADJ
fsr-3296	756	11	loans	loan	NOUN
fsr-3296	756	12	seems	seem	VERB
fsr-3296	756	13	to	to	PART
fsr-3296	756	14	be	be	AUX
fsr-3296	756	15	independent	independent	ADJ
fsr-3296	756	16	of	of	ADP
fsr-3296	756	17	the	the	DET
fsr-3296	756	18	borrower	borrower	NOUN
fsr-3296	756	19	’s	’s	PART
fsr-3296	756	20	personality	personality	NOUN
fsr-3296	756	21	.	.	PUNCT
fsr-3296	757	1	this	this	DET
fsr-3296	757	2	finding	finding	NOUN
fsr-3296	757	3	is	be	AUX
fsr-3296	757	4	consistent	consistent	ADJ
fsr-3296	757	5	with	with	ADP
fsr-3296	757	6	the	the	DET
fsr-3296	757	7	anecdotal	anecdotal	ADJ
fsr-3296	757	8	evidence	evidence	NOUN
fsr-3296	757	9	of	of	ADP
fsr-3296	757	10	the	the	DET
fsr-3296	757	11	wide	wide	ADJ
fsr-3296	757	12	prevalence	prevalence	NOUN
fsr-3296	757	13	of	of	ADP
fsr-3296	757	14	these	these	DET
fsr-3296	757	15	types	type	NOUN
fsr-3296	757	16	of	of	ADP
fsr-3296	757	17	borrowing	borrowing	NOUN
fsr-3296	757	18	options	option	NOUN
fsr-3296	757	19	in	in	ADP
fsr-3296	757	20	the	the	DET
fsr-3296	757	21	society	society	NOUN
fsr-3296	757	22	.	.	PUNCT
fsr-3296	758	1	despite	despite	SCONJ
fsr-3296	758	2	the	the	DET
fsr-3296	758	3	aforementioned	aforementioned	ADJ
fsr-3296	758	4	contributions	contribution	NOUN
fsr-3296	758	5	,	,	PUNCT
fsr-3296	758	6	the	the	DET
fsr-3296	758	7	findings	finding	NOUN
fsr-3296	758	8	of	of	ADP
fsr-3296	758	9	this	this	DET
fsr-3296	758	10	research	research	NOUN
fsr-3296	758	11	are	be	AUX
fsr-3296	758	12	limited	limit	VERB
fsr-3296	758	13	in	in	ADP
fsr-3296	758	14	terms	term	NOUN
fsr-3296	758	15	of	of	ADP
fsr-3296	758	16	generalizability	generalizability	NOUN
fsr-3296	758	17	because	because	SCONJ
fsr-3296	758	18	of	of	ADP
fsr-3296	758	19	our	our	PRON
fsr-3296	758	20	sample	sample	NOUN
fsr-3296	758	21	size	size	NOUN
fsr-3296	758	22	.	.	PUNCT
fsr-3296	759	1	our	our	PRON
fsr-3296	759	2	findings	finding	NOUN
fsr-3296	759	3	,	,	PUNCT
fsr-3296	759	4	however	however	ADV
fsr-3296	759	5	,	,	PUNCT
fsr-3296	759	6	pave	pave	VERB
fsr-3296	759	7	the	the	DET
fsr-3296	759	8	road	road	NOUN
fsr-3296	759	9	for	for	ADP
fsr-3296	759	10	future	future	ADJ
fsr-3296	759	11	research	research	NOUN
fsr-3296	759	12	in	in	ADP
fsr-3296	759	13	this	this	DET
fsr-3296	759	14	area	area	NOUN
fsr-3296	759	15	that	that	PRON
fsr-3296	759	16	could	could	AUX
fsr-3296	759	17	span	span	VERB
fsr-3296	759	18	beyond	beyond	ADP
fsr-3296	759	19	academia	academia	NOUN
fsr-3296	759	20	.	.	PUNCT
fsr-3296	760	1	for	for	ADP
fsr-3296	760	2	marketers	marketer	NOUN
fsr-3296	760	3	of	of	ADP
fsr-3296	760	4	financial	financial	ADJ
fsr-3296	760	5	services	service	NOUN
fsr-3296	760	6	,	,	PUNCT
fsr-3296	760	7	our	our	PRON
fsr-3296	760	8	findings	finding	NOUN
fsr-3296	760	9	suggest	suggest	VERB
fsr-3296	760	10	that	that	SCONJ
fsr-3296	760	11	personality	personality	NOUN
fsr-3296	760	12	traits	trait	NOUN
fsr-3296	760	13	of	of	ADP
fsr-3296	760	14	individual	individual	NOUN
fsr-3296	760	15	and	and	CCONJ
fsr-3296	760	16	their	their	PRON
fsr-3296	760	17	associated	associated	ADJ
fsr-3296	760	18	inherent	inherent	ADJ
fsr-3296	760	19	tendencies	tendency	NOUN
fsr-3296	760	20	should	should	AUX
fsr-3296	760	21	be	be	AUX
fsr-3296	760	22	considered	consider	VERB
fsr-3296	760	23	when	when	SCONJ
fsr-3296	760	24	communicating	communicate	VERB
fsr-3296	760	25	with	with	ADP
fsr-3296	760	26	borrowers	borrower	NOUN
fsr-3296	760	27	.	.	PUNCT
fsr-3296	761	1	more	more	ADV
fsr-3296	761	2	specifically	specifically	ADV
fsr-3296	761	3	,	,	PUNCT
fsr-3296	761	4	since	since	SCONJ
fsr-3296	761	5	personality	personality	NOUN
fsr-3296	761	6	traits	trait	NOUN
fsr-3296	761	7	are	be	AUX
fsr-3296	761	8	associated	associate	VERB
fsr-3296	761	9	with	with	ADP
fsr-3296	761	10	different	different	ADJ
fsr-3296	761	11	borrowing	borrowing	NOUN
fsr-3296	761	12	decisions	decision	NOUN
fsr-3296	761	13	,	,	PUNCT
fsr-3296	761	14	it	it	PRON
fsr-3296	761	15	is	be	AUX
fsr-3296	761	16	expected	expect	VERB
fsr-3296	761	17	that	that	SCONJ
fsr-3296	761	18	different	different	ADJ
fsr-3296	761	19	groups	group	NOUN
fsr-3296	761	20	of	of	ADP
fsr-3296	761	21	individuals	individual	NOUN
fsr-3296	761	22	with	with	ADP
fsr-3296	761	23	varying	vary	VERB
fsr-3296	761	24	personality	personality	NOUN
fsr-3296	761	25	traits	trait	NOUN
fsr-3296	761	26	should	should	AUX
fsr-3296	761	27	react	react	VERB
fsr-3296	761	28	differently	differently	ADV
fsr-3296	761	29	to	to	ADP
fsr-3296	761	30	marketing	marketing	NOUN
fsr-3296	761	31	efforts	effort	NOUN
fsr-3296	761	32	.	.	PUNCT
fsr-3296	762	1	as	as	ADP
fsr-3296	762	2	such	such	ADJ
fsr-3296	762	3	,	,	PUNCT
fsr-3296	762	4	borrowers	borrower	NOUN
fsr-3296	762	5	can	can	AUX
fsr-3296	762	6	be	be	AUX
fsr-3296	762	7	categorized	categorize	VERB
fsr-3296	762	8	based	base	VERB
fsr-3296	762	9	on	on	ADP
fsr-3296	762	10	their	their	PRON
fsr-3296	762	11	personality	personality	NOUN
fsr-3296	762	12	traits	trait	NOUN
fsr-3296	762	13	and	and	CCONJ
fsr-3296	762	14	attitudes	attitude	NOUN
fsr-3296	762	15	towards	towards	ADP
fsr-3296	762	16	certain	certain	ADJ
fsr-3296	762	17	borrowing	borrowing	NOUN
fsr-3296	762	18	options	option	NOUN
fsr-3296	762	19	and	and	CCONJ
fsr-3296	762	20	approached	approach	VERB
fsr-3296	762	21	differently	differently	ADV
fsr-3296	762	22	.	.	PUNCT
fsr-3296	763	1	we	we	PRON
fsr-3296	763	2	encourage	encourage	VERB
fsr-3296	763	3	future	future	ADJ
fsr-3296	763	4	research	research	NOUN
fsr-3296	763	5	to	to	PART
fsr-3296	763	6	follow	follow	VERB
fsr-3296	763	7	experimental	experimental	ADJ
fsr-3296	763	8	designs	design	NOUN
fsr-3296	763	9	and	and	CCONJ
fsr-3296	763	10	examine	examine	VERB
fsr-3296	763	11	such	such	ADJ
fsr-3296	763	12	differences	difference	NOUN
fsr-3296	763	13	.	.	PUNCT
fsr-3296	764	1	moreover	moreover	ADV
fsr-3296	764	2	,	,	PUNCT
fsr-3296	764	3	in	in	ADP
fsr-3296	764	4	consumer	consumer	NOUN
fsr-3296	764	5	profiling	profiling	NOUN
fsr-3296	764	6	and	and	CCONJ
fsr-3296	764	7	target	target	NOUN
fsr-3296	764	8	market	market	NOUN
fsr-3296	764	9	selections	selection	NOUN
fsr-3296	764	10	fields	field	NOUN
fsr-3296	764	11	,	,	PUNCT
fsr-3296	764	12	more	more	ADJ
fsr-3296	764	13	research	research	NOUN
fsr-3296	764	14	may	may	AUX
fsr-3296	764	15	explore	explore	VERB
fsr-3296	764	16	the	the	DET
fsr-3296	764	17	possibility	possibility	NOUN
fsr-3296	764	18	that	that	SCONJ
fsr-3296	764	19	the	the	DET
fsr-3296	764	20	attitude	attitude	NOUN
fsr-3296	764	21	towards	towards	ADP
fsr-3296	764	22	borrowing	borrowing	NOUN
fsr-3296	764	23	and	and	CCONJ
fsr-3296	764	24	the	the	DET
fsr-3296	764	25	intention	intention	NOUN
fsr-3296	764	26	to	to	PART
fsr-3296	764	27	borrow	borrow	VERB
fsr-3296	764	28	are	be	AUX
fsr-3296	764	29	not	not	PART
fsr-3296	764	30	always	always	ADV
fsr-3296	764	31	consistent	consistent	ADJ
fsr-3296	764	32	.	.	PUNCT
fsr-3296	765	1	our	our	PRON
fsr-3296	765	2	results	result	NOUN
fsr-3296	765	3	identify	identify	VERB
fsr-3296	765	4	the	the	DET
fsr-3296	765	5	moderating	moderate	VERB
fsr-3296	765	6	role	role	NOUN
fsr-3296	765	7	of	of	ADP
fsr-3296	765	8	personality	personality	NOUN
fsr-3296	765	9	traits	trait	NOUN
fsr-3296	765	10	as	as	ADP
fsr-3296	765	11	a	a	DET
fsr-3296	765	12	boundary	boundary	ADJ
fsr-3296	765	13	condition	condition	NOUN
fsr-3296	765	14	that	that	PRON
fsr-3296	765	15	provides	provide	VERB
fsr-3296	765	16	insights	insight	NOUN
fsr-3296	765	17	on	on	ADP
fsr-3296	765	18	these	these	DET
fsr-3296	765	19	inconsistencies	inconsistency	NOUN
fsr-3296	765	20	.	.	PUNCT
fsr-3296	766	1	future	future	ADJ
fsr-3296	766	2	research	research	NOUN
fsr-3296	766	3	is	be	AUX
fsr-3296	766	4	encouraged	encourage	VERB
fsr-3296	766	5	to	to	PART
fsr-3296	766	6	identify	identify	VERB
fsr-3296	766	7	additional	additional	ADJ
fsr-3296	766	8	boundary	boundary	ADJ
fsr-3296	766	9	conditions	condition	NOUN
fsr-3296	766	10	.	.	PUNCT
fsr-3296	767	1	our	our	PRON
fsr-3296	767	2	results	result	NOUN
fsr-3296	767	3	also	also	ADV
fsr-3296	767	4	highlight	highlight	VERB
fsr-3296	767	5	the	the	DET
fsr-3296	767	6	importance	importance	NOUN
fsr-3296	767	7	of	of	ADP
fsr-3296	767	8	psychological	psychological	ADJ
fsr-3296	767	9	characteristics	characteristic	NOUN
fsr-3296	767	10	in	in	ADP
fsr-3296	767	11	financial	financial	ADJ
fsr-3296	767	12	decisions	decision	NOUN
fsr-3296	767	13	.	.	PUNCT
fsr-3296	768	1	according	accord	VERB
fsr-3296	768	2	,	,	PUNCT
fsr-3296	768	3	this	this	DET
fsr-3296	768	4	research	research	NOUN
fsr-3296	768	5	calls	call	VERB
fsr-3296	768	6	for	for	ADP
fsr-3296	768	7	more	more	ADJ
fsr-3296	768	8	research	research	NOUN
fsr-3296	768	9	by	by	ADP
fsr-3296	768	10	social	social	ADJ
fsr-3296	768	11	planners	planner	NOUN
fsr-3296	768	12	,	,	PUNCT
fsr-3296	768	13	legislators	legislator	NOUN
fsr-3296	768	14	,	,	PUNCT
fsr-3296	768	15	personal	personal	ADJ
fsr-3296	768	16	financial	financial	ADJ
fsr-3296	768	17	planners	planner	NOUN
fsr-3296	768	18	,	,	PUNCT
fsr-3296	768	19	and	and	CCONJ
fsr-3296	768	20	educators	educator	NOUN
fsr-3296	768	21	.	.	PUNCT
fsr-3296	769	1	we	we	PRON
fsr-3296	769	2	specifically	specifically	ADV
fsr-3296	769	3	recommend	recommend	VERB
fsr-3296	769	4	more	more	ADJ
fsr-3296	769	5	research	research	NOUN
fsr-3296	769	6	on	on	ADP
fsr-3296	769	7	how	how	SCONJ
fsr-3296	769	8	personal	personal	ADJ
fsr-3296	769	9	differences	difference	NOUN
fsr-3296	769	10	shape	shape	VERB
fsr-3296	769	11	household	household	NOUN
fsr-3296	769	12	’s	’s	PART
fsr-3296	769	13	financial	financial	ADJ
fsr-3296	769	14	behaviors	behavior	NOUN
fsr-3296	769	15	.	.	PUNCT
fsr-3296	770	1	notes	note	VERB
fsr-3296	770	2	1	1	NUM
fsr-3296	770	3	our	our	PRON
fsr-3296	770	4	analysis	analysis	NOUN
fsr-3296	770	5	also	also	ADV
fsr-3296	770	6	incorporates	incorporate	VERB
fsr-3296	770	7	individuals	individual	NOUN
fsr-3296	770	8	’	'	PUNCT
fsr-3296	770	9	attitude	attitude	NOUN
fsr-3296	770	10	towards	towards	ADP
fsr-3296	770	11	financial	financial	ADJ
fsr-3296	770	12	planning	planning	NOUN
fsr-3296	770	13	and	and	CCONJ
fsr-3296	770	14	money	money	NOUN
fsr-3296	770	15	,	,	PUNCT
fsr-3296	770	16	borrowing	borrow	VERB
fsr-3296	770	17	history	history	NOUN
fsr-3296	770	18	and	and	CCONJ
fsr-3296	770	19	self	self	NOUN
fsr-3296	770	20	-	-	PUNCT
fsr-3296	770	21	evaluation	evaluation	NOUN
fsr-3296	770	22	of	of	ADP
fsr-3296	770	23	one	one	NUM
fsr-3296	770	24	’s	’s	PART
fsr-3296	770	25	finances	finance	NOUN
fsr-3296	770	26	and	and	CCONJ
fsr-3296	770	27	financial	financial	ADJ
fsr-3296	770	28	decisionmaking	decisionmake	VERB
fsr-3296	770	29	abilities	ability	NOUN
fsr-3296	770	30	.	.	PUNCT
fsr-3296	771	1	these	these	DET
fsr-3296	771	2	factors	factor	NOUN
fsr-3296	771	3	are	be	AUX
fsr-3296	771	4	largely	largely	ADV
fsr-3296	771	5	ignored	ignore	VERB
fsr-3296	771	6	by	by	ADP
fsr-3296	771	7	previous	previous	ADJ
fsr-3296	771	8	studies	study	NOUN
fsr-3296	771	9	.	.	PUNCT
fsr-3296	772	1	2	2	NUM
fsr-3296	772	2	standard	standard	NOUN
fsr-3296	772	3	controls	control	NOUN
fsr-3296	772	4	for	for	ADP
fsr-3296	772	5	demographics	demographic	NOUN
fsr-3296	772	6	,	,	PUNCT
fsr-3296	772	7	knowledge	knowledge	NOUN
fsr-3296	772	8	,	,	PUNCT
fsr-3296	772	9	and	and	CCONJ
fsr-3296	772	10	financial	financial	ADJ
fsr-3296	772	11	endowment	endowment	NOUN
fsr-3296	772	12	are	be	AUX
fsr-3296	772	13	also	also	ADV
fsr-3296	772	14	considered	consider	VERB
fsr-3296	772	15	.	.	PUNCT
fsr-3296	773	1	see	see	VERB
fsr-3296	773	2	for	for	ADP
fsr-3296	773	3	example	example	NOUN
fsr-3296	773	4	ryack	ryack	NOUN
fsr-3296	773	5	and	and	CCONJ
fsr-3296	773	6	sheikh	sheikh	NOUN
fsr-3296	773	7	(	(	PUNCT
fsr-3296	773	8	2016	2016	NUM
fsr-3296	773	9	)	)	PUNCT
fsr-3296	773	10	,	,	PUNCT
fsr-3296	773	11	balasubramnian	balasubramnian	ADJ
fsr-3296	773	12	and	and	CCONJ
fsr-3296	773	13	brisker	brisk	ADJ
fsr-3296	773	14	(	(	PUNCT
fsr-3296	773	15	2016	2016	NUM
fsr-3296	773	16	)	)	PUNCT
fsr-3296	773	17	,	,	PUNCT
fsr-3296	773	18	and	and	CCONJ
fsr-3296	773	19	docking	docking	NOUN
fsr-3296	773	20	,	,	PUNCT
fsr-3296	773	21	fortin	fortin	PROPN
fsr-3296	773	22	,	,	PUNCT
fsr-3296	773	23	and	and	CCONJ
fsr-3296	773	24	michelson	michelson	PROPN
fsr-3296	773	25	(	(	PUNCT
fsr-3296	773	26	2013	2013	NUM
fsr-3296	773	27	)	)	PUNCT
fsr-3296	773	28	.	.	PUNCT
fsr-3296	774	1	3	3	NUM
fsr-3296	774	2	there	there	PRON
fsr-3296	774	3	are	be	VERB
fsr-3296	774	4	two	two	NUM
fsr-3296	774	5	distinct	distinct	ADJ
fsr-3296	774	6	approaches	approach	NOUN
fsr-3296	774	7	for	for	ADP
fsr-3296	774	8	studying	study	VERB
fsr-3296	774	9	personality	personality	NOUN
fsr-3296	774	10	,	,	PUNCT
fsr-3296	774	11	namely	namely	ADV
fsr-3296	774	12	the	the	DET
fsr-3296	774	13	psychoanalytic	psychoanalytic	ADJ
fsr-3296	774	14	theory	theory	NOUN
fsr-3296	774	15	and	and	CCONJ
fsr-3296	774	16	the	the	DET
fsr-3296	774	17	trait	trait	NOUN
fsr-3296	774	18	theory	theory	NOUN
fsr-3296	774	19	.	.	PUNCT
fsr-3296	775	1	the	the	DET
fsr-3296	775	2	trait	trait	NOUN
fsr-3296	775	3	theory	theory	NOUN
fsr-3296	775	4	focuses	focus	VERB
fsr-3296	775	5	on	on	ADP
fsr-3296	775	6	various	various	ADJ
fsr-3296	775	7	personality	personality	NOUN
fsr-3296	775	8	traits	trait	NOUN
fsr-3296	775	9	and	and	CCONJ
fsr-3296	775	10	81a	81a	NOUN
fsr-3296	775	11	.	.	PUNCT
fsr-3296	776	1	yazdanparast	yazdanparast	NOUN
fsr-3296	776	2	,	,	PUNCT
fsr-3296	776	3	y.	y.	PROPN
fsr-3296	776	4	alhenawi	alhenawi	PROPN
fsr-3296	776	5	/	/	SYM
fsr-3296	776	6	financial	financial	ADJ
fsr-3296	776	7	services	service	NOUN
fsr-3296	776	8	review	review	VERB
fsr-3296	776	9	26	26	NUM
fsr-3296	776	10	(	(	PUNCT
fsr-3296	776	11	2017	2017	NUM
fsr-3296	776	12	)	)	PUNCT
fsr-3296	776	13	55–85	55–85	NUM
fsr-3296	776	14	their	their	PRON
fsr-3296	776	15	impact	impact	NOUN
fsr-3296	776	16	on	on	ADP
fsr-3296	776	17	consumer	consumer	NOUN
fsr-3296	776	18	decisions	decision	NOUN
fsr-3296	776	19	.	.	PUNCT
fsr-3296	777	1	this	this	DET
fsr-3296	777	2	theory	theory	NOUN
fsr-3296	777	3	has	have	AUX
fsr-3296	777	4	been	be	AUX
fsr-3296	777	5	used	use	VERB
fsr-3296	777	6	in	in	ADP
fsr-3296	777	7	two	two	NUM
fsr-3296	777	8	approaches	approach	NOUN
fsr-3296	777	9	.	.	PUNCT
fsr-3296	778	1	one	one	NUM
fsr-3296	778	2	approach	approach	NOUN
fsr-3296	778	3	argues	argue	VERB
fsr-3296	778	4	that	that	SCONJ
fsr-3296	778	5	people	people	NOUN
fsr-3296	778	6	have	have	VERB
fsr-3296	778	7	the	the	DET
fsr-3296	778	8	same	same	ADJ
fsr-3296	778	9	set	set	NOUN
fsr-3296	778	10	of	of	ADP
fsr-3296	778	11	traits	trait	NOUN
fsr-3296	778	12	,	,	PUNCT
fsr-3296	778	13	but	but	CCONJ
fsr-3296	778	14	these	these	DET
fsr-3296	778	15	traits	trait	NOUN
fsr-3296	778	16	are	be	AUX
fsr-3296	778	17	manifested	manifest	VERB
fsr-3296	778	18	dissimilarly	dissimilarly	ADV
fsr-3296	778	19	.	.	PUNCT
fsr-3296	779	1	the	the	DET
fsr-3296	779	2	second	second	ADJ
fsr-3296	779	3	approach	approach	NOUN
fsr-3296	779	4	argues	argue	VERB
fsr-3296	779	5	that	that	SCONJ
fsr-3296	779	6	individual	individual	ADJ
fsr-3296	779	7	variances	variance	NOUN
fsr-3296	779	8	are	be	AUX
fsr-3296	779	9	because	because	SCONJ
fsr-3296	779	10	of	of	ADP
fsr-3296	779	11	different	different	ADJ
fsr-3296	779	12	combinations	combination	NOUN
fsr-3296	779	13	of	of	ADP
fsr-3296	779	14	each	each	DET
fsr-3296	779	15	trait	trait	NOUN
fsr-3296	779	16	varying	vary	VERB
fsr-3296	779	17	from	from	ADP
fsr-3296	779	18	one	one	NUM
fsr-3296	779	19	individual	individual	NOUN
fsr-3296	779	20	to	to	ADP
fsr-3296	779	21	another	another	PRON
fsr-3296	779	22	(	(	PUNCT
fsr-3296	779	23	lin	lin	PROPN
fsr-3296	779	24	,	,	PUNCT
fsr-3296	779	25	2010	2010	NUM
fsr-3296	779	26	)	)	PUNCT
fsr-3296	779	27	.	.	PUNCT
fsr-3296	780	1	in	in	ADP
fsr-3296	780	2	fact	fact	NOUN
fsr-3296	780	3	,	,	PUNCT
fsr-3296	780	4	the	the	DET
fsr-3296	780	5	theoretical	theoretical	ADJ
fsr-3296	780	6	mechanism	mechanism	NOUN
fsr-3296	780	7	through	through	ADP
fsr-3296	780	8	which	which	PRON
fsr-3296	780	9	individual	individual	ADJ
fsr-3296	780	10	differences	difference	NOUN
fsr-3296	780	11	influence	influence	NOUN
fsr-3296	780	12	decisions	decision	NOUN
fsr-3296	780	13	is	be	AUX
fsr-3296	780	14	rooted	root	VERB
fsr-3296	780	15	in	in	ADP
fsr-3296	780	16	the	the	DET
fsr-3296	780	17	social	social	ADJ
fsr-3296	780	18	cognition	cognition	NOUN
fsr-3296	780	19	research	research	NOUN
fsr-3296	780	20	perspective	perspective	NOUN
fsr-3296	780	21	(	(	PUNCT
fsr-3296	780	22	witte	witte	NOUN
fsr-3296	780	23	and	and	CCONJ
fsr-3296	780	24	morrison	morrison	PROPN
fsr-3296	780	25	,	,	PUNCT
fsr-3296	780	26	2000	2000	NUM
fsr-3296	780	27	)	)	PUNCT
fsr-3296	780	28	.	.	PUNCT
fsr-3296	781	1	according	accord	VERB
fsr-3296	781	2	to	to	ADP
fsr-3296	781	3	this	this	DET
fsr-3296	781	4	perspective	perspective	NOUN
fsr-3296	781	5	,	,	PUNCT
fsr-3296	781	6	individual	individual	ADJ
fsr-3296	781	7	differences	difference	NOUN
fsr-3296	781	8	influence	influence	NOUN
fsr-3296	781	9	individuals	individual	NOUN
fsr-3296	781	10	’	’	PART
fsr-3296	781	11	perceptions	perception	NOUN
fsr-3296	781	12	of	of	ADP
fsr-3296	781	13	the	the	DET
fsr-3296	781	14	world	world	NOUN
fsr-3296	781	15	and	and	CCONJ
fsr-3296	781	16	environmental	environmental	ADJ
fsr-3296	781	17	stimuli	stimulus	NOUN
fsr-3296	781	18	(	(	PUNCT
fsr-3296	781	19	fiske	fiske	PROPN
fsr-3296	781	20	&	&	CCONJ
fsr-3296	781	21	taylor	taylor	PROPN
fsr-3296	781	22	,	,	PUNCT
fsr-3296	781	23	1991	1991	NUM
fsr-3296	781	24	)	)	PUNCT
fsr-3296	782	1	and	and	CCONJ
fsr-3296	782	2	,	,	PUNCT
fsr-3296	782	3	thus	thus	ADV
fsr-3296	782	4	,	,	PUNCT
fsr-3296	782	5	can	can	AUX
fsr-3296	782	6	influence	influence	VERB
fsr-3296	782	7	their	their	PRON
fsr-3296	782	8	behavior	behavior	NOUN
fsr-3296	782	9	.	.	PUNCT
fsr-3296	783	1	4	4	NUM
fsr-3296	783	2	see	see	VERB
fsr-3296	783	3	davey	davey	NOUN
fsr-3296	783	4	and	and	CCONJ
fsr-3296	783	5	george	george	PROPN
fsr-3296	783	6	(	(	PUNCT
fsr-3296	783	7	2011	2011	NUM
fsr-3296	783	8	)	)	PUNCT
fsr-3296	783	9	for	for	ADP
fsr-3296	783	10	a	a	DET
fsr-3296	783	11	detailed	detailed	ADJ
fsr-3296	783	12	discussion	discussion	NOUN
fsr-3296	783	13	of	of	ADP
fsr-3296	783	14	these	these	DET
fsr-3296	783	15	traits	trait	NOUN
fsr-3296	783	16	.	.	PUNCT
fsr-3296	784	1	openness	openness	NOUN
fsr-3296	784	2	to	to	ADP
fsr-3296	784	3	experience	experience	VERB
fsr-3296	784	4	is	be	AUX
fsr-3296	784	5	the	the	DET
fsr-3296	784	6	general	general	ADJ
fsr-3296	784	7	interest	interest	NOUN
fsr-3296	784	8	in	in	ADP
fsr-3296	784	9	finding	find	VERB
fsr-3296	784	10	novel	novel	ADJ
fsr-3296	784	11	solutions	solution	NOUN
fsr-3296	784	12	and	and	CCONJ
fsr-3296	784	13	original	original	ADJ
fsr-3296	784	14	ideas	idea	NOUN
fsr-3296	784	15	,	,	PUNCT
fsr-3296	784	16	and	and	CCONJ
fsr-3296	784	17	the	the	DET
fsr-3296	784	18	tendency	tendency	NOUN
fsr-3296	784	19	to	to	PART
fsr-3296	784	20	use	use	VERB
fsr-3296	784	21	the	the	DET
fsr-3296	784	22	imagination	imagination	NOUN
fsr-3296	784	23	in	in	ADP
fsr-3296	784	24	performing	perform	VERB
fsr-3296	784	25	activities	activity	NOUN
fsr-3296	784	26	.	.	PUNCT
fsr-3296	785	1	this	this	DET
fsr-3296	785	2	trait	trait	NOUN
fsr-3296	785	3	is	be	AUX
fsr-3296	785	4	associated	associate	VERB
fsr-3296	785	5	with	with	ADP
fsr-3296	785	6	being	be	AUX
fsr-3296	785	7	open	open	ADJ
fsr-3296	785	8	to	to	ADP
fsr-3296	785	9	ideas	idea	NOUN
fsr-3296	785	10	and	and	CCONJ
fsr-3296	785	11	values	value	NOUN
fsr-3296	785	12	and	and	CCONJ
fsr-3296	785	13	trying	try	VERB
fsr-3296	785	14	new	new	ADJ
fsr-3296	785	15	things	thing	NOUN
fsr-3296	785	16	that	that	PRON
fsr-3296	785	17	could	could	AUX
fsr-3296	785	18	potentially	potentially	ADV
fsr-3296	785	19	be	be	AUX
fsr-3296	785	20	costly	costly	ADJ
fsr-3296	785	21	.	.	PUNCT
fsr-3296	786	1	conscientiousness	conscientiousness	NOUN
fsr-3296	786	2	is	be	AUX
fsr-3296	786	3	the	the	DET
fsr-3296	786	4	need	need	NOUN
fsr-3296	786	5	to	to	PART
fsr-3296	786	6	be	be	AUX
fsr-3296	786	7	organized	organize	VERB
fsr-3296	786	8	and	and	CCONJ
fsr-3296	786	9	efficient	efficient	ADJ
fsr-3296	786	10	in	in	ADP
fsr-3296	786	11	tasks	task	NOUN
fsr-3296	786	12	and	and	CCONJ
fsr-3296	786	13	is	be	AUX
fsr-3296	786	14	defined	define	VERB
fsr-3296	786	15	as	as	ADP
fsr-3296	786	16	the	the	DET
fsr-3296	786	17	extent	extent	NOUN
fsr-3296	786	18	to	to	PART
fsr-3296	786	19	which	which	PRON
fsr-3296	786	20	individuals	individual	NOUN
fsr-3296	786	21	are	be	AUX
fsr-3296	786	22	careful	careful	ADJ
fsr-3296	786	23	and	and	CCONJ
fsr-3296	786	24	self	self	NOUN
fsr-3296	786	25	-	-	PUNCT
fsr-3296	786	26	disciplined	discipline	VERB
fsr-3296	786	27	.	.	PUNCT
fsr-3296	787	1	conscientious	conscientious	ADJ
fsr-3296	787	2	individuals	individual	NOUN
fsr-3296	787	3	are	be	AUX
fsr-3296	787	4	organized	organize	VERB
fsr-3296	787	5	,	,	PUNCT
fsr-3296	787	6	hard	hard	ADV
fsr-3296	787	7	-	-	PUNCT
fsr-3296	787	8	working	work	VERB
fsr-3296	787	9	,	,	PUNCT
fsr-3296	787	10	and	and	CCONJ
fsr-3296	787	11	reliable	reliable	ADJ
fsr-3296	787	12	as	as	SCONJ
fsr-3296	787	13	opposed	oppose	VERB
fsr-3296	787	14	to	to	ADP
fsr-3296	787	15	carefree	carefree	VERB
fsr-3296	787	16	individuals	individual	NOUN
fsr-3296	787	17	who	who	PRON
fsr-3296	787	18	score	score	VERB
fsr-3296	787	19	lower	lower	ADV
fsr-3296	787	20	on	on	ADP
fsr-3296	787	21	this	this	DET
fsr-3296	787	22	trait	trait	NOUN
fsr-3296	787	23	.	.	PUNCT
fsr-3296	788	1	extroversion	extroversion	NOUN
fsr-3296	788	2	is	be	AUX
fsr-3296	788	3	the	the	DET
fsr-3296	788	4	tendency	tendency	NOUN
fsr-3296	788	5	to	to	PART
fsr-3296	788	6	be	be	AUX
fsr-3296	788	7	warm	warm	ADJ
fsr-3296	788	8	blooded	blooded	ADJ
fsr-3296	788	9	,	,	PUNCT
fsr-3296	788	10	friendly	friendly	ADJ
fsr-3296	788	11	,	,	PUNCT
fsr-3296	788	12	and	and	CCONJ
fsr-3296	788	13	sociable	sociable	ADJ
fsr-3296	788	14	.	.	PUNCT
fsr-3296	789	1	agreeableness	agreeableness	NOUN
fsr-3296	789	2	is	be	AUX
fsr-3296	789	3	the	the	DET
fsr-3296	789	4	need	need	NOUN
fsr-3296	789	5	to	to	PART
fsr-3296	789	6	express	express	VERB
fsr-3296	789	7	kindness	kindness	NOUN
fsr-3296	789	8	and	and	CCONJ
fsr-3296	789	9	sympathy	sympathy	NOUN
fsr-3296	789	10	to	to	ADP
fsr-3296	789	11	others	other	NOUN
fsr-3296	789	12	.	.	PUNCT
fsr-3296	790	1	scoring	score	VERB
fsr-3296	790	2	low	low	ADJ
fsr-3296	790	3	on	on	ADP
fsr-3296	790	4	this	this	DET
fsr-3296	790	5	trait	trait	NOUN
fsr-3296	790	6	shows	show	VERB
fsr-3296	790	7	higher	high	ADJ
fsr-3296	790	8	levels	level	NOUN
fsr-3296	790	9	of	of	ADP
fsr-3296	790	10	self	self	NOUN
fsr-3296	790	11	-	-	PUNCT
fsr-3296	790	12	interest	interest	NOUN
fsr-3296	790	13	.	.	PUNCT
fsr-3296	791	1	as	as	ADP
fsr-3296	791	2	a	a	DET
fsr-3296	791	3	result	result	NOUN
fsr-3296	791	4	,	,	PUNCT
fsr-3296	791	5	low	low	ADJ
fsr-3296	791	6	-	-	PUNCT
fsr-3296	791	7	agreeable	agreeable	ADJ
fsr-3296	791	8	individuals	individual	NOUN
fsr-3296	791	9	have	have	VERB
fsr-3296	791	10	higher	high	ADJ
fsr-3296	791	11	tendencies	tendency	NOUN
fsr-3296	791	12	to	to	PART
fsr-3296	791	13	hoard	hoard	VERB
fsr-3296	791	14	their	their	PRON
fsr-3296	791	15	money	money	NOUN
fsr-3296	791	16	and	and	CCONJ
fsr-3296	791	17	engage	engage	VERB
fsr-3296	791	18	in	in	ADP
fsr-3296	791	19	frugal	frugal	ADJ
fsr-3296	791	20	practices	practice	NOUN
fsr-3296	791	21	rather	rather	ADV
fsr-3296	791	22	than	than	ADP
fsr-3296	791	23	extravagance	extravagance	NOUN
fsr-3296	791	24	.	.	PUNCT
fsr-3296	792	1	neuroticism	neuroticism	NOUN
fsr-3296	792	2	is	be	AUX
fsr-3296	792	3	the	the	DET
fsr-3296	792	4	tendency	tendency	NOUN
fsr-3296	792	5	to	to	PART
fsr-3296	792	6	be	be	AUX
fsr-3296	792	7	emotional	emotional	ADJ
fsr-3296	792	8	,	,	PUNCT
fsr-3296	792	9	moody	moody	ADJ
fsr-3296	792	10	and	and	CCONJ
fsr-3296	792	11	temperamental	temperamental	ADJ
fsr-3296	792	12	.	.	PUNCT
fsr-3296	793	1	neurotic	neurotic	ADJ
fsr-3296	793	2	individuals	individual	NOUN
fsr-3296	793	3	are	be	AUX
fsr-3296	793	4	more	more	ADV
fsr-3296	793	5	likely	likely	ADJ
fsr-3296	793	6	to	to	PART
fsr-3296	793	7	experience	experience	VERB
fsr-3296	793	8	negative	negative	ADJ
fsr-3296	793	9	emotions	emotion	NOUN
fsr-3296	793	10	and	and	CCONJ
fsr-3296	793	11	are	be	AUX
fsr-3296	793	12	more	more	ADV
fsr-3296	793	13	susceptible	susceptible	ADJ
fsr-3296	793	14	to	to	ADP
fsr-3296	793	15	stress	stress	NOUN
fsr-3296	793	16	.	.	PUNCT
fsr-3296	794	1	scoring	score	VERB
fsr-3296	794	2	high	high	ADJ
fsr-3296	794	3	on	on	ADP
fsr-3296	794	4	neuroticism	neuroticism	NOUN
fsr-3296	794	5	indicates	indicate	VERB
fsr-3296	794	6	lack	lack	NOUN
fsr-3296	794	7	of	of	ADP
fsr-3296	794	8	emotional	emotional	ADJ
fsr-3296	794	9	stability	stability	NOUN
fsr-3296	794	10	and	and	CCONJ
fsr-3296	794	11	self	self	NOUN
fsr-3296	794	12	-	-	PUNCT
fsr-3296	794	13	control	control	NOUN
fsr-3296	794	14	,	,	PUNCT
fsr-3296	794	15	which	which	PRON
fsr-3296	794	16	results	result	VERB
fsr-3296	794	17	in	in	ADP
fsr-3296	794	18	taking	take	VERB
fsr-3296	794	19	more	more	ADJ
fsr-3296	794	20	emotional/	emotional/	NUM
fsr-3296	794	21	impulsive	impulsive	ADJ
fsr-3296	794	22	decisions	decision	NOUN
fsr-3296	794	23	and	and	CCONJ
fsr-3296	794	24	less	less	ADV
fsr-3296	794	25	planned	planned	ADJ
fsr-3296	794	26	/	/	SYM
fsr-3296	794	27	controlled	control	VERB
fsr-3296	794	28	ones	one	NOUN
fsr-3296	794	29	.	.	PUNCT
fsr-3296	795	1	5	5	NUM
fsr-3296	795	2	physical	physical	ADJ
fsr-3296	795	3	/	/	SYM
fsr-3296	795	4	body	body	NOUN
fsr-3296	795	5	needs	need	NOUN
fsr-3296	795	6	are	be	AUX
fsr-3296	795	7	related	relate	VERB
fsr-3296	795	8	to	to	ADP
fsr-3296	795	9	devoting	devote	VERB
fsr-3296	795	10	more	more	ADJ
fsr-3296	795	11	time	time	NOUN
fsr-3296	795	12	to	to	PART
fsr-3296	795	13	improve	improve	VERB
fsr-3296	795	14	one	one	NUM
fsr-3296	795	15	’s	’s	PART
fsr-3296	795	16	body	body	NOUN
fsr-3296	795	17	on	on	ADP
fsr-3296	795	18	a	a	DET
fsr-3296	795	19	daily	daily	ADJ
fsr-3296	795	20	basis	basis	NOUN
fsr-3296	795	21	.	.	PUNCT
fsr-3296	796	1	those	those	PRON
fsr-3296	796	2	who	who	PRON
fsr-3296	796	3	score	score	VERB
fsr-3296	796	4	higher	higher	ADV
fsr-3296	796	5	on	on	ADP
fsr-3296	796	6	this	this	DET
fsr-3296	796	7	trait	trait	NOUN
fsr-3296	796	8	work	work	NOUN
fsr-3296	796	9	hard	hard	ADV
fsr-3296	796	10	to	to	PART
fsr-3296	796	11	keep	keep	VERB
fsr-3296	796	12	their	their	PRON
fsr-3296	796	13	bodies	body	NOUN
fsr-3296	796	14	healthy	healthy	ADJ
fsr-3296	796	15	and	and	CCONJ
fsr-3296	796	16	in	in	ADP
fsr-3296	796	17	good	good	ADJ
fsr-3296	796	18	shape	shape	NOUN
fsr-3296	796	19	(	(	PUNCT
fsr-3296	796	20	mowen	mowen	NOUN
fsr-3296	796	21	,	,	PUNCT
fsr-3296	796	22	2000	2000	NUM
fsr-3296	796	23	)	)	PUNCT
fsr-3296	796	24	and	and	CCONJ
fsr-3296	796	25	have	have	VERB
fsr-3296	796	26	active	active	ADJ
fsr-3296	796	27	lifestyles	lifestyle	NOUN
fsr-3296	796	28	.	.	PUNCT
fsr-3296	797	1	this	this	DET
fsr-3296	797	2	trait	trait	NOUN
fsr-3296	797	3	is	be	AUX
fsr-3296	797	4	,	,	PUNCT
fsr-3296	797	5	therefore	therefore	ADV
fsr-3296	797	6	,	,	PUNCT
fsr-3296	797	7	not	not	PART
fsr-3296	797	8	related	relate	VERB
fsr-3296	797	9	to	to	ADP
fsr-3296	797	10	borrowing	borrow	VERB
fsr-3296	797	11	behavior	behavior	NOUN
fsr-3296	797	12	or	or	CCONJ
fsr-3296	797	13	attitude	attitude	NOUN
fsr-3296	797	14	toward	toward	ADP
fsr-3296	797	15	borrowing	borrowing	NOUN
fsr-3296	797	16	(	(	PUNCT
fsr-3296	797	17	pirog	pirog	NOUN
fsr-3296	797	18	&	&	CCONJ
fsr-3296	797	19	roberst	roberst	VERB
fsr-3296	797	20	,	,	PUNCT
fsr-3296	797	21	2007	2007	NUM
fsr-3296	797	22	)	)	PUNCT
fsr-3296	797	23	and	and	CCONJ
fsr-3296	797	24	is	be	AUX
fsr-3296	797	25	not	not	PART
fsr-3296	797	26	included	include	VERB
fsr-3296	797	27	in	in	ADP
fsr-3296	797	28	our	our	PRON
fsr-3296	797	29	analyses	analysis	NOUN
fsr-3296	797	30	.	.	PUNCT
fsr-3296	798	1	6	6	NUM
fsr-3296	798	2	this	this	PRON
fsr-3296	798	3	is	be	AUX
fsr-3296	798	4	a	a	DET
fsr-3296	798	5	simple	simple	ADJ
fsr-3296	798	6	yes	yes	INTJ
fsr-3296	798	7	/	/	SYM
fsr-3296	798	8	no	no	DET
fsr-3296	798	9	question	question	NOUN
fsr-3296	798	10	with	with	ADP
fsr-3296	798	11	a	a	DET
fsr-3296	798	12	text	text	NOUN
fsr-3296	798	13	box	box	NOUN
fsr-3296	798	14	that	that	PRON
fsr-3296	798	15	allows	allow	VERB
fsr-3296	798	16	respondents	respondent	NOUN
fsr-3296	798	17	,	,	PUNCT
fsr-3296	798	18	if	if	SCONJ
fsr-3296	798	19	they	they	PRON
fsr-3296	798	20	wish	wish	VERB
fsr-3296	798	21	,	,	PUNCT
fsr-3296	798	22	to	to	PART
fsr-3296	798	23	specify	specify	VERB
fsr-3296	798	24	the	the	DET
fsr-3296	798	25	nature	nature	NOUN
fsr-3296	798	26	of	of	ADP
fsr-3296	798	27	the	the	DET
fsr-3296	798	28	event	event	NOUN
fsr-3296	798	29	.	.	PUNCT
fsr-3296	799	1	about	about	ADV
fsr-3296	799	2	a	a	DET
fsr-3296	799	3	third	third	NOUN
fsr-3296	799	4	of	of	ADP
fsr-3296	799	5	respondents	respondent	NOUN
fsr-3296	799	6	cited	cite	VERB
fsr-3296	799	7	events	event	NOUN
fsr-3296	799	8	related	relate	VERB
fsr-3296	799	9	to	to	ADP
fsr-3296	799	10	work	work	NOUN
fsr-3296	799	11	(	(	PUNCT
fsr-3296	799	12	e.	e.	PROPN
fsr-3296	799	13	g.	g.	PROPN
fsr-3296	799	14	promotion	promotion	PROPN
fsr-3296	799	15	)	)	PUNCT
fsr-3296	799	16	or	or	CCONJ
fsr-3296	799	17	personal	personal	ADJ
fsr-3296	799	18	life	life	NOUN
fsr-3296	799	19	(	(	PUNCT
fsr-3296	799	20	e.	e.	PROPN
fsr-3296	799	21	g.	g.	PROPN
fsr-3296	799	22	marriage	marriage	PROPN
fsr-3296	799	23	,	,	PUNCT
fsr-3296	799	24	divorce	divorce	NOUN
fsr-3296	799	25	)	)	PUNCT
fsr-3296	799	26	.	.	PUNCT
fsr-3296	800	1	the	the	DET
fsr-3296	800	2	corresponding	corresponding	ADJ
fsr-3296	800	3	binary	binary	ADJ
fsr-3296	800	4	variable	variable	NOUN
fsr-3296	800	5	,	,	PUNCT
fsr-3296	800	6	however	however	ADV
fsr-3296	800	7	,	,	PUNCT
fsr-3296	800	8	was	be	AUX
fsr-3296	800	9	found	find	VERB
fsr-3296	800	10	to	to	PART
fsr-3296	800	11	have	have	VERB
fsr-3296	800	12	insignificant	insignificant	ADJ
fsr-3296	800	13	impact	impact	NOUN
fsr-3296	800	14	on	on	ADP
fsr-3296	800	15	borrowing	borrowing	NOUN
fsr-3296	800	16	behavior	behavior	NOUN
fsr-3296	800	17	.	.	PUNCT
fsr-3296	801	1	7	7	NUM
fsr-3296	801	2	however	however	ADV
fsr-3296	801	3	,	,	PUNCT
fsr-3296	801	4	it	it	PRON
fsr-3296	801	5	is	be	AUX
fsr-3296	801	6	higher	high	ADJ
fsr-3296	801	7	than	than	ADP
fsr-3296	801	8	non	non	ADJ
fsr-3296	801	9	-	-	ADJ
fsr-3296	801	10	u.	u.	ADJ
fsr-3296	801	11	s.-based	s.-base	VERB
fsr-3296	801	12	studies	study	NOUN
fsr-3296	801	13	.	.	PUNCT
fsr-3296	802	1	for	for	ADP
fsr-3296	802	2	instance	instance	NOUN
fsr-3296	802	3	,	,	PUNCT
fsr-3296	802	4	the	the	DET
fsr-3296	802	5	averages	average	NOUN
fsr-3296	802	6	reported	report	VERB
fsr-3296	802	7	by	by	ADP
fsr-3296	802	8	larkin	larkin	PROPN
fsr-3296	802	9	,	,	PUNCT
fsr-3296	802	10	lucey	lucey	PROPN
fsr-3296	802	11	,	,	PUNCT
fsr-3296	802	12	and	and	CCONJ
fsr-3296	802	13	mulholland	mulholland	NOUN
fsr-3296	802	14	,	,	PUNCT
fsr-3296	802	15	2013	2013	NUM
fsr-3296	802	16	who	who	PRON
fsr-3296	802	17	used	use	VERB
fsr-3296	802	18	the	the	DET
fsr-3296	802	19	same	same	ADJ
fsr-3296	802	20	risk	risk	NOUN
fsr-3296	802	21	tolerance	tolerance	NOUN
fsr-3296	802	22	quiz	quiz	NOUN
fsr-3296	802	23	on	on	ADP
fsr-3296	802	24	an	an	DET
fsr-3296	802	25	irish	irish	ADJ
fsr-3296	802	26	sample	sample	NOUN
fsr-3296	802	27	fall	fall	VERB
fsr-3296	802	28	in	in	ADP
fsr-3296	802	29	the	the	DET
fsr-3296	802	30	20	20	NUM
fsr-3296	802	31	to	to	PART
fsr-3296	802	32	30	30	NUM
fsr-3296	802	33	%	%	NOUN
fsr-3296	802	34	range	range	NOUN
fsr-3296	802	35	.	.	PUNCT
fsr-3296	803	1	references	reference	NOUN
fsr-3296	803	2	ajzen	ajzen	PROPN
fsr-3296	803	3	,	,	PUNCT
fsr-3296	803	4	i.	i.	NOUN
fsr-3296	803	5	,	,	PUNCT
fsr-3296	803	6	&	&	CCONJ
fsr-3296	803	7	fishbein	fishbein	PROPN
fsr-3296	803	8	,	,	PUNCT
fsr-3296	803	9	m.	m.	NOUN
fsr-3296	803	10	(	(	PUNCT
fsr-3296	803	11	1977	1977	NUM
fsr-3296	803	12	)	)	PUNCT
fsr-3296	803	13	.	.	PUNCT
fsr-3296	804	1	the	the	DET
fsr-3296	804	2	influence	influence	NOUN
fsr-3296	804	3	of	of	ADP
fsr-3296	804	4	attitudes	attitude	NOUN
fsr-3296	804	5	on	on	ADP
fsr-3296	804	6	behavior	behavior	NOUN
fsr-3296	804	7	.	.	PUNCT
fsr-3296	805	1	in	in	ADP
fsr-3296	805	2	d.	d.	PROPN
fsr-3296	805	3	albarracin	albarracin	PROPN
fsr-3296	805	4	,	,	PUNCT
fsr-3296	805	5	b.	b.	PROPN
fsr-3296	805	6	t.	t.	PROPN
fsr-3296	805	7	johnson	johnson	PROPN
fsr-3296	805	8	,	,	PUNCT
fsr-3296	805	9	&	&	CCONJ
fsr-3296	805	10	m.	m.	PROPN
fsr-3296	805	11	p.	p.	PROPN
fsr-3296	805	12	zana	zana	PROPN
fsr-3296	805	13	(	(	PUNCT
fsr-3296	805	14	eds	eds	PROPN
fsr-3296	805	15	.	.	PUNCT
fsr-3296	805	16	)	)	PUNCT
fsr-3296	805	17	,	,	PUNCT
fsr-3296	805	18	the	the	DET
fsr-3296	805	19	handbook	handbook	NOUN
fsr-3296	805	20	of	of	ADP
fsr-3296	805	21	attitudes	attitude	NOUN
fsr-3296	805	22	(	(	PUNCT
fsr-3296	805	23	pp	pp	ADJ
fsr-3296	805	24	.	.	PUNCT
fsr-3296	805	25	173–221	173–221	NUM
fsr-3296	805	26	)	)	PUNCT
fsr-3296	805	27	.	.	PUNCT
fsr-3296	806	1	mahwah	mahwah	PROPN
fsr-3296	806	2	,	,	PUNCT
fsr-3296	806	3	nj	nj	PROPN
fsr-3296	806	4	:	:	PUNCT
fsr-3296	806	5	lawrence	lawrence	PROPN
fsr-3296	806	6	erlbaum	erlbaum	PROPN
fsr-3296	806	7	.	.	PUNCT
fsr-3296	807	1	82	82	NUM
fsr-3296	807	2	a.	a.	NOUN
fsr-3296	807	3	yazdanparast	yazdanparast	NOUN
fsr-3296	807	4	,	,	PUNCT
fsr-3296	807	5	y.	y.	PROPN
fsr-3296	807	6	alhenawi	alhenawi	PROPN
fsr-3296	807	7	/	/	SYM
fsr-3296	807	8	financial	financial	ADJ
fsr-3296	807	9	services	service	NOUN
fsr-3296	807	10	review	review	VERB
fsr-3296	807	11	26	26	NUM
fsr-3296	807	12	(	(	PUNCT
fsr-3296	807	13	2017	2017	NUM
fsr-3296	807	14	)	)	PUNCT
fsr-3296	807	15	55–85	55–85	NUM
fsr-3296	807	16	ajzen	ajzen	NOUN
fsr-3296	807	17	,	,	PUNCT
fsr-3296	807	18	i.	i.	NOUN
fsr-3296	807	19	,	,	PUNCT
fsr-3296	807	20	&	&	CCONJ
fsr-3296	807	21	fishbein	fishbein	PROPN
fsr-3296	807	22	,	,	PUNCT
fsr-3296	807	23	m.	m.	NOUN
fsr-3296	807	24	(	(	PUNCT
fsr-3296	807	25	1980	1980	NUM
fsr-3296	807	26	)	)	PUNCT
fsr-3296	807	27	.	.	PUNCT
fsr-3296	808	1	understanding	understand	VERB
fsr-3296	808	2	attitudes	attitude	NOUN
fsr-3296	808	3	and	and	CCONJ
fsr-3296	808	4	predicting	predict	VERB
fsr-3296	808	5	social	social	ADJ
fsr-3296	808	6	behavior	behavior	NOUN
fsr-3296	808	7	.	.	PUNCT
fsr-3296	809	1	englewood	englewood	PROPN
fsr-3296	809	2	cliffs	cliffs	PROPN
fsr-3296	809	3	,	,	PUNCT
fsr-3296	809	4	nj	nj	PROPN
fsr-3296	809	5	:	:	PUNCT
fsr-3296	809	6	prentice	prentice	NOUN
fsr-3296	809	7	-	-	PUNCT
fsr-3296	809	8	hall	hall	NOUN
fsr-3296	809	9	.	.	PUNCT
fsr-3296	810	1	alhenawi	alhenawi	PROPN
fsr-3296	810	2	,	,	PUNCT
fsr-3296	810	3	y.	y.	PROPN
fsr-3296	810	4	,	,	PUNCT
fsr-3296	810	5	&	&	CCONJ
fsr-3296	810	6	elkhal	elkhal	PROPN
fsr-3296	810	7	,	,	PUNCT
fsr-3296	810	8	k.	k.	PROPN
fsr-3296	810	9	(	(	PUNCT
fsr-3296	810	10	2013	2013	NUM
fsr-3296	810	11	)	)	PUNCT
fsr-3296	810	12	.	.	PUNCT
fsr-3296	811	1	financial	financial	ADJ
fsr-3296	811	2	literacy	literacy	NOUN
fsr-3296	811	3	of	of	ADP
fsr-3296	811	4	u.s	u.s	PROPN
fsr-3296	811	5	.	.	PROPN
fsr-3296	811	6	households	household	NOUN
fsr-3296	811	7	:	:	PUNCT
fsr-3296	811	8	knowledge	knowledge	NOUN
fsr-3296	811	9	vs.	vs.	ADP
fsr-3296	811	10	long	long	ADJ
fsr-3296	811	11	-	-	PUNCT
fsr-3296	811	12	term	term	NOUN
fsr-3296	811	13	financial	financial	ADJ
fsr-3296	811	14	planning	planning	NOUN
fsr-3296	811	15	.	.	PUNCT
fsr-3296	812	1	financial	financial	ADJ
fsr-3296	812	2	services	service	NOUN
fsr-3296	812	3	review	review	PROPN
fsr-3296	812	4	,	,	PUNCT
fsr-3296	812	5	22	22	NUM
fsr-3296	812	6	,	,	PUNCT
fsr-3296	812	7	211–244	211–244	NUM
fsr-3296	812	8	.	.	PUNCT
fsr-3296	813	1	bagozzi	bagozzi	PROPN
fsr-3296	813	2	,	,	PUNCT
fsr-3296	813	3	r.	r.	PROPN
fsr-3296	813	4	p.	p.	PROPN
fsr-3296	813	5	,	,	PUNCT
fsr-3296	813	6	baumgartner	baumgartner	PROPN
fsr-3296	813	7	,	,	PUNCT
fsr-3296	813	8	j.	j.	PROPN
fsr-3296	813	9	,	,	PUNCT
fsr-3296	813	10	&	&	CCONJ
fsr-3296	813	11	yi	yi	PROPN
fsr-3296	813	12	,	,	PUNCT
fsr-3296	813	13	y.	y.	PROPN
fsr-3296	813	14	(	(	PUNCT
fsr-3296	813	15	1989	1989	NUM
fsr-3296	813	16	)	)	PUNCT
fsr-3296	813	17	.	.	PUNCT
fsr-3296	814	1	an	an	DET
fsr-3296	814	2	investigation	investigation	NOUN
fsr-3296	814	3	into	into	ADP
fsr-3296	814	4	the	the	DET
fsr-3296	814	5	role	role	NOUN
fsr-3296	814	6	of	of	ADP
fsr-3296	814	7	intentions	intention	NOUN
fsr-3296	814	8	as	as	ADP
fsr-3296	814	9	mediators	mediator	NOUN
fsr-3296	814	10	of	of	ADP
fsr-3296	814	11	the	the	DET
fsr-3296	814	12	attitude	attitude	NOUN
fsr-3296	814	13	-	-	PUNCT
fsr-3296	814	14	behavior	behavior	NOUN
fsr-3296	814	15	relationship	relationship	NOUN
fsr-3296	814	16	.	.	PUNCT
fsr-3296	815	1	journal	journal	PROPN
fsr-3296	815	2	of	of	ADP
fsr-3296	815	3	economic	economic	ADJ
fsr-3296	815	4	psychology	psychology	NOUN
fsr-3296	815	5	,	,	PUNCT
fsr-3296	815	6	10	10	NUM
fsr-3296	815	7	,	,	PUNCT
fsr-3296	815	8	35–62	35–62	NUM
fsr-3296	815	9	.	.	PUNCT
fsr-3296	816	1	balasubramnian	balasubramnian	PROPN
fsr-3296	816	2	,	,	PUNCT
fsr-3296	816	3	b.	b.	PROPN
fsr-3296	816	4	,	,	PUNCT
fsr-3296	816	5	&	&	CCONJ
fsr-3296	816	6	brisker	brisker	X
fsr-3296	816	7	,	,	PUNCT
fsr-3296	816	8	e.	e.	PROPN
fsr-3296	816	9	r.	r.	PROPN
fsr-3296	816	10	(	(	PUNCT
fsr-3296	816	11	2016	2016	NUM
fsr-3296	816	12	)	)	PUNCT
fsr-3296	816	13	.	.	PUNCT
fsr-3296	817	1	financial	financial	ADJ
fsr-3296	817	2	adviser	adviser	NOUN
fsr-3296	817	3	users	user	NOUN
fsr-3296	817	4	and	and	CCONJ
fsr-3296	817	5	financial	financial	ADJ
fsr-3296	817	6	literacy	literacy	NOUN
fsr-3296	817	7	.	.	PUNCT
fsr-3296	818	1	financial	financial	ADJ
fsr-3296	818	2	services	service	NOUN
fsr-3296	818	3	review	review	PROPN
fsr-3296	818	4	,	,	PUNCT
fsr-3296	818	5	25	25	NUM
fsr-3296	818	6	,	,	PUNCT
fsr-3296	818	7	127–155	127–155	NUM
fsr-3296	818	8	.	.	PUNCT
fsr-3296	819	1	baumeister	baumeister	PROPN
fsr-3296	819	2	,	,	PUNCT
fsr-3296	819	3	r.	r.	PROPN
fsr-3296	819	4	f.	f.	PROPN
fsr-3296	819	5	,	,	PUNCT
fsr-3296	819	6	&	&	CCONJ
fsr-3296	819	7	exline	exline	PROPN
fsr-3296	819	8	,	,	PUNCT
fsr-3296	819	9	j.	j.	PROPN
fsr-3296	819	10	j.	j.	PROPN
fsr-3296	819	11	(	(	PUNCT
fsr-3296	819	12	2000	2000	NUM
fsr-3296	819	13	)	)	PUNCT
fsr-3296	819	14	.	.	PUNCT
fsr-3296	820	1	self	self	NOUN
fsr-3296	820	2	-	-	PUNCT
fsr-3296	820	3	control	control	NOUN
fsr-3296	820	4	,	,	PUNCT
fsr-3296	820	5	morality	morality	NOUN
fsr-3296	820	6	,	,	PUNCT
fsr-3296	820	7	and	and	CCONJ
fsr-3296	820	8	human	human	ADJ
fsr-3296	820	9	strength	strength	NOUN
fsr-3296	820	10	.	.	PUNCT
fsr-3296	821	1	journal	journal	PROPN
fsr-3296	821	2	of	of	ADP
fsr-3296	821	3	social	social	ADJ
fsr-3296	821	4	and	and	CCONJ
fsr-3296	821	5	clinical	clinical	ADJ
fsr-3296	821	6	psychology	psychology	NOUN
fsr-3296	821	7	,	,	PUNCT
fsr-3296	821	8	19	19	NUM
fsr-3296	821	9	,	,	PUNCT
fsr-3296	821	10	29–42	29–42	NUM
fsr-3296	821	11	.	.	PUNCT
fsr-3296	822	1	belk	belk	PROPN
fsr-3296	822	2	,	,	PUNCT
fsr-3296	822	3	r.	r.	PROPN
fsr-3296	822	4	w.	w.	PROPN
fsr-3296	822	5	(	(	PUNCT
fsr-3296	822	6	1984	1984	NUM
fsr-3296	822	7	)	)	PUNCT
fsr-3296	822	8	.	.	PUNCT
fsr-3296	823	1	three	three	NUM
fsr-3296	823	2	scales	scale	NOUN
fsr-3296	823	3	to	to	PART
fsr-3296	823	4	measure	measure	VERB
fsr-3296	823	5	constructs	construct	NOUN
fsr-3296	823	6	related	relate	VERB
fsr-3296	823	7	to	to	ADP
fsr-3296	823	8	materialism	materialism	NOUN
fsr-3296	823	9	:	:	PUNCT
fsr-3296	823	10	reliability	reliability	NOUN
fsr-3296	823	11	,	,	PUNCT
fsr-3296	823	12	validity	validity	NOUN
fsr-3296	823	13	,	,	PUNCT
fsr-3296	823	14	and	and	CCONJ
fsr-3296	823	15	relationships	relationship	NOUN
fsr-3296	823	16	to	to	ADP
fsr-3296	823	17	other	other	ADJ
fsr-3296	823	18	measures	measure	NOUN
fsr-3296	823	19	of	of	ADP
fsr-3296	823	20	happiness	happiness	NOUN
fsr-3296	823	21	.	.	PUNCT
fsr-3296	824	1	in	in	ADP
fsr-3296	824	2	t.	t.	PROPN
fsr-3296	824	3	kinnear	kinnear	PROPN
fsr-3296	824	4	(	(	PUNCT
fsr-3296	824	5	ed	ed	NOUN
fsr-3296	824	6	.	.	PUNCT
fsr-3296	824	7	)	)	PUNCT
fsr-3296	824	8	,	,	PUNCT
fsr-3296	824	9	advances	advance	NOUN
fsr-3296	824	10	in	in	ADP
fsr-3296	824	11	consumer	consumer	NOUN
fsr-3296	824	12	research	research	NOUN
fsr-3296	824	13	(	(	PUNCT
fsr-3296	824	14	vol	vol	NOUN
fsr-3296	824	15	.	.	PROPN
fsr-3296	824	16	11	11	NUM
fsr-3296	824	17	,	,	PUNCT
fsr-3296	824	18	pp	pp	ADJ
fsr-3296	824	19	.	.	PUNCT
fsr-3296	825	1	291–297	291–297	NUM
fsr-3296	825	2	)	)	PUNCT
fsr-3296	825	3	.	.	PUNCT
fsr-3296	826	1	provo	provo	PROPN
fsr-3296	826	2	,	,	PUNCT
fsr-3296	826	3	ut	ut	PROPN
fsr-3296	826	4	:	:	PUNCT
fsr-3296	826	5	association	association	NOUN
fsr-3296	826	6	for	for	ADP
fsr-3296	826	7	consumer	consumer	NOUN
fsr-3296	826	8	research	research	NOUN
fsr-3296	826	9	.	.	PUNCT
fsr-3296	827	1	bentler	bentler	NOUN
fsr-3296	827	2	,	,	PUNCT
fsr-3296	827	3	p.	p.	NOUN
fsr-3296	827	4	m.	m.	NOUN
fsr-3296	827	5	,	,	PUNCT
fsr-3296	827	6	&	&	CCONJ
fsr-3296	827	7	speckart	speckart	PROPN
fsr-3296	827	8	,	,	PUNCT
fsr-3296	827	9	g.	g.	PROPN
fsr-3296	827	10	(	(	PUNCT
fsr-3296	827	11	1981	1981	NUM
fsr-3296	827	12	)	)	PUNCT
fsr-3296	827	13	.	.	PUNCT
fsr-3296	828	1	attitudes	attitude	NOUN
fsr-3296	828	2	‘	'	PUNCT
fsr-3296	828	3	cause	cause	NOUN
fsr-3296	828	4	’	'	PUNCT
fsr-3296	828	5	behaviors	behavior	NOUN
fsr-3296	828	6	:	:	PUNCT
fsr-3296	828	7	a	a	DET
fsr-3296	828	8	structural	structural	ADJ
fsr-3296	828	9	equation	equation	NOUN
fsr-3296	828	10	analysis	analysis	NOUN
fsr-3296	828	11	.	.	PUNCT
fsr-3296	829	1	journal	journal	NOUN
fsr-3296	829	2	of	of	ADP
fsr-3296	829	3	personality	personality	NOUN
fsr-3296	829	4	and	and	CCONJ
fsr-3296	829	5	social	social	ADJ
fsr-3296	829	6	psychology	psychology	NOUN
fsr-3296	829	7	,	,	PUNCT
fsr-3296	829	8	40	40	NUM
fsr-3296	829	9	,	,	PUNCT
fsr-3296	829	10	226–238	226–238	NUM
fsr-3296	829	11	.	.	PUNCT
fsr-3296	830	1	besharat	besharat	PROPN
fsr-3296	830	2	,	,	PUNCT
fsr-3296	830	3	a.	a.	NOUN
fsr-3296	830	4	,	,	PUNCT
fsr-3296	830	5	carrillat	carrillat	NOUN
fsr-3296	830	6	,	,	PUNCT
fsr-3296	830	7	f.	f.	PROPN
fsr-3296	830	8	a.	a.	PROPN
fsr-3296	830	9	,	,	PUNCT
fsr-3296	830	10	&	&	CCONJ
fsr-3296	830	11	ladik	ladik	PROPN
fsr-3296	830	12	,	,	PUNCT
fsr-3296	830	13	d.	d.	PROPN
fsr-3296	830	14	m.	m.	PROPN
fsr-3296	830	15	(	(	PUNCT
fsr-3296	830	16	2014	2014	NUM
fsr-3296	830	17	)	)	PUNCT
fsr-3296	830	18	.	.	PUNCT
fsr-3296	831	1	when	when	SCONJ
fsr-3296	831	2	motivation	motivation	NOUN
fsr-3296	831	3	is	be	AUX
fsr-3296	831	4	against	against	ADP
fsr-3296	831	5	debtors	debtor	NOUN
fsr-3296	831	6	’	’	PART
fsr-3296	831	7	best	good	ADJ
fsr-3296	831	8	interest	interest	NOUN
fsr-3296	831	9	:	:	PUNCT
fsr-3296	831	10	the	the	DET
fsr-3296	831	11	illusion	illusion	NOUN
fsr-3296	831	12	of	of	ADP
fsr-3296	831	13	goal	goal	NOUN
fsr-3296	831	14	progress	progress	NOUN
fsr-3296	831	15	in	in	ADP
fsr-3296	831	16	credit	credit	NOUN
fsr-3296	831	17	card	card	NOUN
fsr-3296	831	18	debt	debt	NOUN
fsr-3296	831	19	repayment	repayment	NOUN
fsr-3296	831	20	.	.	PUNCT
fsr-3296	832	1	journal	journal	NOUN
fsr-3296	832	2	of	of	ADP
fsr-3296	832	3	public	public	ADJ
fsr-3296	832	4	policy	policy	NOUN
fsr-3296	832	5	&	&	CCONJ
fsr-3296	832	6	marketing	marketing	NOUN
fsr-3296	832	7	,	,	PUNCT
fsr-3296	832	8	33	33	NUM
fsr-3296	832	9	,	,	PUNCT
fsr-3296	832	10	143–158	143–158	NUM
fsr-3296	832	11	.	.	PUNCT
fsr-3296	833	1	besharat	besharat	PROPN
fsr-3296	833	2	,	,	PUNCT
fsr-3296	833	3	a.	a.	PROPN
fsr-3296	833	4	,	,	PUNCT
fsr-3296	833	5	varki	varki	NOUN
fsr-3296	833	6	,	,	PUNCT
fsr-3296	833	7	s.	s.	PROPN
fsr-3296	833	8	,	,	PUNCT
fsr-3296	833	9	&	&	CCONJ
fsr-3296	833	10	craig	craig	PROPN
fsr-3296	833	11	,	,	PUNCT
fsr-3296	833	12	a.	a.	PROPN
fsr-3296	833	13	w.	w.	PROPN
fsr-3296	833	14	(	(	PUNCT
fsr-3296	833	15	2015	2015	NUM
fsr-3296	833	16	)	)	PUNCT
fsr-3296	833	17	.	.	PUNCT
fsr-3296	834	1	keeping	keep	VERB
fsr-3296	834	2	consumers	consumer	NOUN
fsr-3296	834	3	in	in	ADP
fsr-3296	834	4	the	the	DET
fsr-3296	834	5	red	red	ADJ
fsr-3296	834	6	:	:	PUNCT
fsr-3296	834	7	hedonic	hedonic	ADJ
fsr-3296	834	8	debt	debt	NOUN
fsr-3296	834	9	prioritization	prioritization	NOUN
fsr-3296	834	10	within	within	ADP
fsr-3296	834	11	multiple	multiple	ADJ
fsr-3296	834	12	debt	debt	NOUN
fsr-3296	834	13	accounts	account	NOUN
fsr-3296	834	14	.	.	PUNCT
fsr-3296	835	1	journal	journal	NOUN
fsr-3296	835	2	of	of	ADP
fsr-3296	835	3	consumer	consumer	NOUN
fsr-3296	835	4	psychology	psychology	NOUN
fsr-3296	835	5	,	,	PUNCT
fsr-3296	835	6	25	25	NUM
fsr-3296	835	7	,	,	PUNCT
fsr-3296	835	8	311–316	311–316	NUM
fsr-3296	835	9	.	.	PUNCT
fsr-3296	836	1	bloch	bloch	PROPN
fsr-3296	836	2	,	,	PUNCT
fsr-3296	836	3	p.	p.	PROPN
fsr-3296	836	4	h.	h.	PROPN
fsr-3296	836	5	,	,	PUNCT
fsr-3296	836	6	sherrell	sherrell	PROPN
fsr-3296	836	7	,	,	PUNCT
fsr-3296	836	8	d.	d.	PROPN
fsr-3296	836	9	l.	l.	PROPN
fsr-3296	836	10	,	,	PUNCT
fsr-3296	836	11	&	&	CCONJ
fsr-3296	836	12	ridgway	ridgway	PROPN
fsr-3296	836	13	,	,	PUNCT
fsr-3296	836	14	n.	n.	PROPN
fsr-3296	836	15	m.	m.	NOUN
fsr-3296	836	16	(	(	PUNCT
fsr-3296	836	17	1986	1986	NUM
fsr-3296	836	18	)	)	PUNCT
fsr-3296	836	19	.	.	PUNCT
fsr-3296	837	1	consumer	consumer	NOUN
fsr-3296	837	2	search	search	NOUN
fsr-3296	837	3	:	:	PUNCT
fsr-3296	837	4	an	an	DET
fsr-3296	837	5	extended	extended	ADJ
fsr-3296	837	6	framework	framework	NOUN
fsr-3296	837	7	.	.	PUNCT
fsr-3296	838	1	journal	journal	NOUN
fsr-3296	838	2	of	of	ADP
fsr-3296	838	3	consumer	consumer	NOUN
fsr-3296	838	4	research	research	NOUN
fsr-3296	838	5	,	,	PUNCT
fsr-3296	838	6	13	13	NUM
fsr-3296	838	7	,	,	PUNCT
fsr-3296	838	8	119–126	119–126	NUM
fsr-3296	838	9	.	.	PUNCT
fsr-3296	838	10	brandstatter	brandstatter	PROPN
fsr-3296	838	11	,	,	PUNCT
fsr-3296	838	12	h.	h.	PROPN
fsr-3296	838	13	(	(	PUNCT
fsr-3296	838	14	1996	1996	NUM
fsr-3296	838	15	)	)	PUNCT
fsr-3296	838	16	.	.	PUNCT
fsr-3296	839	1	saving	saving	NOUN
fsr-3296	839	2	,	,	PUNCT
fsr-3296	839	3	income	income	NOUN
fsr-3296	839	4	,	,	PUNCT
fsr-3296	839	5	and	and	CCONJ
fsr-3296	839	6	emotional	emotional	ADJ
fsr-3296	839	7	climate	climate	NOUN
fsr-3296	839	8	of	of	ADP
fsr-3296	839	9	households	household	NOUN
fsr-3296	839	10	related	relate	VERB
fsr-3296	839	11	to	to	ADP
fsr-3296	839	12	personality	personality	NOUN
fsr-3296	839	13	structure	structure	NOUN
fsr-3296	839	14	.	.	PUNCT
fsr-3296	840	1	progress	progress	NOUN
fsr-3296	840	2	report	report	VERB
fsr-3296	840	3	38	38	NUM
fsr-3296	840	4	.	.	PUNCT
fsr-3296	841	1	vsb	vsb	PROPN
fsr-3296	841	2	-	-	PUNCT
fsr-3296	841	3	center	center	NOUN
fsr-3296	841	4	savings	saving	NOUN
fsr-3296	841	5	project	project	NOUN
fsr-3296	841	6	,	,	PUNCT
fsr-3296	841	7	tilburg	tilburg	PROPN
fsr-3296	841	8	university	university	PROPN
fsr-3296	841	9	,	,	PUNCT
fsr-3296	841	10	the	the	DET
fsr-3296	841	11	netherlands	netherlands	PROPN
fsr-3296	841	12	.	.	PUNCT
fsr-3296	842	1	brown	brown	PROPN
fsr-3296	842	2	,	,	PUNCT
fsr-3296	842	3	s.	s.	PROPN
fsr-3296	842	4	,	,	PUNCT
fsr-3296	842	5	&	&	CCONJ
fsr-3296	842	6	taylor	taylor	PROPN
fsr-3296	842	7	,	,	PUNCT
fsr-3296	842	8	k.	k.	PROPN
fsr-3296	842	9	(	(	PUNCT
fsr-3296	842	10	2011	2011	NUM
fsr-3296	842	11	)	)	PUNCT
fsr-3296	842	12	.	.	PUNCT
fsr-3296	843	1	household	household	NOUN
fsr-3296	843	2	finances	finance	NOUN
fsr-3296	843	3	and	and	CCONJ
fsr-3296	843	4	the	the	DET
fsr-3296	843	5	‘	'	PUNCT
fsr-3296	843	6	big	big	ADJ
fsr-3296	843	7	five	five	NUM
fsr-3296	843	8	’	'	PUNCT
fsr-3296	843	9	personality	personality	NOUN
fsr-3296	843	10	traits	trait	NOUN
fsr-3296	843	11	.	.	PUNCT
fsr-3296	844	1	journal	journal	NOUN
fsr-3296	844	2	of	of	ADP
fsr-3296	844	3	economic	economic	ADJ
fsr-3296	844	4	psychology	psychology	NOUN
fsr-3296	844	5	,	,	PUNCT
fsr-3296	844	6	45	45	NUM
fsr-3296	844	7	,	,	PUNCT
fsr-3296	844	8	197–212	197–212	NUM
fsr-3296	844	9	.	.	PUNCT
fsr-3296	844	10	buhrmester	buhrmester	NOUN
fsr-3296	844	11	,	,	PUNCT
fsr-3296	844	12	m.	m.	NOUN
fsr-3296	844	13	,	,	PUNCT
fsr-3296	844	14	kwang	kwang	PROPN
fsr-3296	844	15	,	,	PUNCT
fsr-3296	844	16	t.	t.	PROPN
fsr-3296	844	17	,	,	PUNCT
fsr-3296	844	18	&	&	CCONJ
fsr-3296	844	19	gosling	gosling	PROPN
fsr-3296	844	20	,	,	PUNCT
fsr-3296	844	21	s.	s.	PROPN
fsr-3296	844	22	d.	d.	PROPN
fsr-3296	844	23	(	(	PUNCT
fsr-3296	844	24	2011	2011	NUM
fsr-3296	844	25	)	)	PUNCT
fsr-3296	844	26	.	.	PUNCT
fsr-3296	845	1	amazon	amazon	PROPN
fsr-3296	845	2	’s	’s	PART
fsr-3296	845	3	mechanical	mechanical	ADJ
fsr-3296	845	4	turk	turk	PROPN
fsr-3296	845	5	a	a	DET
fsr-3296	845	6	new	new	ADJ
fsr-3296	845	7	source	source	NOUN
fsr-3296	845	8	of	of	ADP
fsr-3296	845	9	inexpensive	inexpensive	ADJ
fsr-3296	845	10	,	,	PUNCT
fsr-3296	845	11	yet	yet	CCONJ
fsr-3296	845	12	high	high	ADJ
fsr-3296	845	13	-	-	PUNCT
fsr-3296	845	14	quality	quality	NOUN
fsr-3296	845	15	,	,	PUNCT
fsr-3296	845	16	data	datum	NOUN
fsr-3296	845	17	?	?	PUNCT
fsr-3296	845	18	perspectives	perspective	NOUN
fsr-3296	845	19	on	on	ADP
fsr-3296	845	20	psychological	psychological	ADJ
fsr-3296	845	21	science	science	NOUN
fsr-3296	845	22	,	,	PUNCT
fsr-3296	845	23	6	6	NUM
fsr-3296	845	24	,	,	PUNCT
fsr-3296	845	25	3–5	3–5	PROPN
fsr-3296	845	26	.	.	PUNCT
fsr-3296	845	27	campbell	campbell	PROPN
fsr-3296	845	28	,	,	PUNCT
fsr-3296	845	29	j.	j.	PROPN
fsr-3296	845	30	y.	y.	PROPN
fsr-3296	845	31	(	(	PUNCT
fsr-3296	845	32	2006	2006	NUM
fsr-3296	845	33	)	)	PUNCT
fsr-3296	845	34	.	.	PUNCT
fsr-3296	846	1	household	household	NOUN
fsr-3296	846	2	finance	finance	NOUN
fsr-3296	846	3	.	.	PUNCT
fsr-3296	847	1	journal	journal	PROPN
fsr-3296	847	2	of	of	ADP
fsr-3296	847	3	finance	finance	PROPN
fsr-3296	847	4	,	,	PUNCT
fsr-3296	847	5	lxi	lxi	PROPN
fsr-3296	847	6	,	,	PUNCT
fsr-3296	847	7	1553–1604	1553–1604	NUM
fsr-3296	847	8	.	.	PUNCT
fsr-3296	848	1	christopher	christopher	PROPN
fsr-3296	848	2	,	,	PUNCT
fsr-3296	848	3	a.	a.	PROPN
fsr-3296	848	4	n.	n.	PROPN
fsr-3296	848	5	,	,	PUNCT
fsr-3296	848	6	marek	marek	PROPN
fsr-3296	848	7	,	,	PUNCT
fsr-3296	848	8	p.	p.	PROPN
fsr-3296	848	9	,	,	PUNCT
fsr-3296	848	10	&	&	CCONJ
fsr-3296	848	11	carroll	carroll	PROPN
fsr-3296	848	12	,	,	PUNCT
fsr-3296	848	13	s.	s.	PROPN
fsr-3296	848	14	m.	m.	PROPN
fsr-3296	848	15	(	(	PUNCT
fsr-3296	848	16	2004	2004	NUM
fsr-3296	848	17	)	)	PUNCT
fsr-3296	848	18	.	.	PUNCT
fsr-3296	849	1	materialism	materialism	NOUN
fsr-3296	849	2	and	and	CCONJ
fsr-3296	849	3	attitude	attitude	NOUN
fsr-3296	849	4	toward	toward	ADP
fsr-3296	849	5	money	money	NOUN
fsr-3296	849	6	:	:	PUNCT
fsr-3296	849	7	an	an	DET
fsr-3296	849	8	exploratory	exploratory	ADJ
fsr-3296	849	9	investigation	investigation	NOUN
fsr-3296	849	10	.	.	PUNCT
fsr-3296	850	1	individual	individual	ADJ
fsr-3296	850	2	differences	difference	NOUN
fsr-3296	850	3	research	research	NOUN
fsr-3296	850	4	,	,	PUNCT
fsr-3296	850	5	2	2	NUM
fsr-3296	850	6	,	,	PUNCT
fsr-3296	850	7	109–117	109–117	NUM
fsr-3296	850	8	.	.	PUNCT
fsr-3296	851	1	consumer	consumer	NOUN
fsr-3296	851	2	federation	federation	PROPN
fsr-3296	851	3	of	of	ADP
fsr-3296	851	4	america	america	PROPN
fsr-3296	851	5	.	.	PUNCT
fsr-3296	852	1	(	(	PUNCT
fsr-3296	852	2	2013	2013	NUM
fsr-3296	852	3	)	)	PUNCT
fsr-3296	852	4	.	.	PUNCT
fsr-3296	853	1	financial	financial	ADJ
fsr-3296	853	2	planning	planning	NOUN
fsr-3296	853	3	profiles	profile	NOUN
fsr-3296	853	4	of	of	ADP
fsr-3296	853	5	american	american	ADJ
fsr-3296	853	6	households	household	NOUN
fsr-3296	853	7	:	:	PUNCT
fsr-3296	853	8	the	the	DET
fsr-3296	853	9	2013	2013	NUM
fsr-3296	853	10	household	household	NOUN
fsr-3296	853	11	financial	financial	ADJ
fsr-3296	853	12	planning	planning	NOUN
fsr-3296	853	13	survey	survey	NOUN
fsr-3296	853	14	and	and	CCONJ
fsr-3296	853	15	index	index	NOUN
fsr-3296	853	16	.	.	PUNCT
fsr-3296	854	1	certified	certify	VERB
fsr-3296	854	2	financial	financial	ADJ
fsr-3296	854	3	planner	planner	NOUN
fsr-3296	854	4	board	board	NOUN
fsr-3296	854	5	of	of	ADP
fsr-3296	854	6	standards	standard	NOUN
fsr-3296	854	7	,	,	PUNCT
fsr-3296	854	8	september	september	PROPN
fsr-3296	854	9	18	18	NUM
fsr-3296	854	10	,	,	PUNCT
fsr-3296	854	11	2013	2013	NUM
fsr-3296	854	12	.	.	PUNCT
fsr-3296	855	1	d’astous	d’astous	PROPN
fsr-3296	855	2	,	,	PUNCT
fsr-3296	855	3	a.	a.	PROPN
fsr-3296	855	4	,	,	PUNCT
fsr-3296	855	5	maltais	maltais	PROPN
fsr-3296	855	6	j.	j.	PROPN
fsr-3296	855	7	,	,	PUNCT
fsr-3296	855	8	&	&	CCONJ
fsr-3296	855	9	roberge	roberge	NOUN
fsr-3296	855	10	,	,	PUNCT
fsr-3296	855	11	c.	c.	PROPN
fsr-3296	855	12	(	(	PUNCT
fsr-3296	855	13	1990	1990	NUM
fsr-3296	855	14	)	)	PUNCT
fsr-3296	855	15	.	.	PUNCT
fsr-3296	856	1	compulsive	compulsive	ADJ
fsr-3296	856	2	buying	buying	NOUN
fsr-3296	856	3	tendencies	tendency	NOUN
fsr-3296	856	4	of	of	ADP
fsr-3296	856	5	adolescent	adolescent	ADJ
fsr-3296	856	6	consumers	consumer	NOUN
fsr-3296	856	7	.	.	PUNCT
fsr-3296	857	1	advances	advance	NOUN
fsr-3296	857	2	in	in	ADP
fsr-3296	857	3	consumer	consumer	NOUN
fsr-3296	857	4	research	research	NOUN
fsr-3296	857	5	,	,	PUNCT
fsr-3296	857	6	17	17	NUM
fsr-3296	857	7	,	,	PUNCT
fsr-3296	857	8	306–312	306–312	NUM
fsr-3296	857	9	.	.	PUNCT
fsr-3296	858	1	davey	davey	NOUN
fsr-3296	858	2	,	,	PUNCT
fsr-3296	858	3	j.	j.	PROPN
fsr-3296	858	4	,	,	PUNCT
fsr-3296	858	5	&	&	CCONJ
fsr-3296	858	6	george	george	PROPN
fsr-3296	858	7	,	,	PUNCT
fsr-3296	858	8	c.	c.	PROPN
fsr-3296	858	9	(	(	PUNCT
fsr-3296	858	10	2011	2011	NUM
fsr-3296	858	11	)	)	PUNCT
fsr-3296	858	12	.	.	PUNCT
fsr-3296	859	1	personality	personality	NOUN
fsr-3296	859	2	and	and	CCONJ
fsr-3296	859	3	finance	finance	NOUN
fsr-3296	859	4	:	:	PUNCT
fsr-3296	859	5	the	the	DET
fsr-3296	859	6	effects	effect	NOUN
fsr-3296	859	7	of	of	ADP
fsr-3296	859	8	personality	personality	NOUN
fsr-3296	859	9	on	on	ADP
fsr-3296	859	10	financial	financial	ADJ
fsr-3296	859	11	attitudes	attitude	NOUN
fsr-3296	859	12	and	and	CCONJ
fsr-3296	859	13	behavior	behavior	NOUN
fsr-3296	859	14	.	.	PUNCT
fsr-3296	860	1	the	the	DET
fsr-3296	860	2	international	international	ADJ
fsr-3296	860	3	journal	journal	NOUN
fsr-3296	860	4	of	of	ADP
fsr-3296	860	5	interdisciplinary	interdisciplinary	ADJ
fsr-3296	860	6	social	social	ADJ
fsr-3296	860	7	sciences	science	NOUN
fsr-3296	860	8	,	,	PUNCT
fsr-3296	860	9	5	5	NUM
fsr-3296	860	10	,	,	PUNCT
fsr-3296	860	11	275–294	275–294	NUM
fsr-3296	860	12	.	.	PUNCT
fsr-3296	861	1	docking	docking	NOUN
fsr-3296	861	2	,	,	PUNCT
fsr-3296	861	3	d.	d.	PROPN
fsr-3296	861	4	,	,	PUNCT
fsr-3296	861	5	fortin	fortin	PROPN
fsr-3296	861	6	,	,	PUNCT
fsr-3296	861	7	r.	r.	PROPN
fsr-3296	861	8	,	,	PUNCT
fsr-3296	861	9	&	&	CCONJ
fsr-3296	861	10	michelson	michelson	PROPN
fsr-3296	861	11	,	,	PUNCT
fsr-3296	861	12	s.	s.	PROPN
fsr-3296	861	13	(	(	PUNCT
fsr-3296	861	14	2013	2013	NUM
fsr-3296	861	15	)	)	PUNCT
fsr-3296	861	16	.	.	PUNCT
fsr-3296	862	1	the	the	DET
fsr-3296	862	2	influence	influence	NOUN
fsr-3296	862	3	of	of	ADP
fsr-3296	862	4	race	race	NOUN
fsr-3296	862	5	on	on	ADP
fsr-3296	862	6	the	the	DET
fsr-3296	862	7	social	social	ADJ
fsr-3296	862	8	security	security	NOUN
fsr-3296	862	9	early	early	ADJ
fsr-3296	862	10	retirement	retirement	NOUN
fsr-3296	862	11	decision	decision	NOUN
fsr-3296	862	12	for	for	ADP
fsr-3296	862	13	married	married	ADJ
fsr-3296	862	14	couples	couple	NOUN
fsr-3296	862	15	.	.	PUNCT
fsr-3296	863	1	financial	financial	ADJ
fsr-3296	863	2	services	service	NOUN
fsr-3296	863	3	review	review	PROPN
fsr-3296	863	4	,	,	PUNCT
fsr-3296	863	5	22	22	NUM
fsr-3296	863	6	,	,	PUNCT
fsr-3296	863	7	133–150	133–150	NUM
fsr-3296	863	8	.	.	PUNCT
fsr-3296	864	1	duclos	duclos	PROPN
fsr-3296	864	2	,	,	PUNCT
fsr-3296	864	3	r.	r.	PROPN
fsr-3296	864	4	(	(	PUNCT
fsr-3296	864	5	2015	2015	NUM
fsr-3296	864	6	)	)	PUNCT
fsr-3296	864	7	.	.	PUNCT
fsr-3296	865	1	the	the	DET
fsr-3296	865	2	psychology	psychology	NOUN
fsr-3296	865	3	of	of	ADP
fsr-3296	865	4	investment	investment	NOUN
fsr-3296	865	5	behavior	behavior	NOUN
fsr-3296	865	6	:	:	PUNCT
fsr-3296	865	7	(	(	PUNCT
fsr-3296	865	8	de)biasing	de)biase	VERB
fsr-3296	865	9	financial	financial	ADJ
fsr-3296	865	10	decision	decision	NOUN
fsr-3296	865	11	-	-	PUNCT
fsr-3296	865	12	making	make	VERB
fsr-3296	865	13	one	one	NUM
fsr-3296	865	14	paragraph	paragraph	NOUN
fsr-3296	865	15	at	at	ADP
fsr-3296	865	16	a	a	DET
fsr-3296	865	17	time	time	NOUN
fsr-3296	865	18	.	.	PUNCT
fsr-3296	866	1	journal	journal	NOUN
fsr-3296	866	2	of	of	ADP
fsr-3296	866	3	consumer	consumer	NOUN
fsr-3296	866	4	psychology	psychology	NOUN
fsr-3296	866	5	,	,	PUNCT
fsr-3296	866	6	25	25	NUM
fsr-3296	866	7	,	,	PUNCT
fsr-3296	866	8	317–325	317–325	NUM
fsr-3296	866	9	.	.	PUNCT
fsr-3296	867	1	financial	financial	ADJ
fsr-3296	867	2	consumer	consumer	NOUN
fsr-3296	867	3	agency	agency	NOUN
fsr-3296	867	4	of	of	ADP
fsr-3296	867	5	canada	canada	PROPN
fsr-3296	867	6	.	.	PUNCT
fsr-3296	868	1	your	your	PRON
fsr-3296	868	2	attitude	attitude	NOUN
fsr-3296	868	3	toward	toward	ADP
fsr-3296	868	4	credit	credit	NOUN
fsr-3296	868	5	and	and	CCONJ
fsr-3296	868	6	debt	debt	NOUN
fsr-3296	868	7	.	.	PUNCT
fsr-3296	869	1	https://www.canada.ca/en/financial-consumer-agency/services/financial-toolkit/credit/credit-1/2.html	https://www.canada.ca/en/financial-consumer-agency/services/financial-toolkit/credit/credit-1/2.html	PROPN
fsr-3296	869	2	accessed	access	VERB
fsr-3296	869	3	on	on	ADP
fsr-3296	869	4	4	4	NUM
fsr-3296	869	5	-	-	SYM
fsr-3296	869	6	16	16	NUM
fsr-3296	869	7	-	-	PUNCT
fsr-3296	869	8	2014	2014	NUM
fsr-3296	869	9	.	.	PUNCT
fsr-3296	870	1	fishbein	fishbein	PROPN
fsr-3296	870	2	,	,	PUNCT
fsr-3296	870	3	m.	m.	NOUN
fsr-3296	870	4	,	,	PUNCT
fsr-3296	870	5	&	&	CCONJ
fsr-3296	870	6	ajzen	ajzen	PROPN
fsr-3296	870	7	,	,	PUNCT
fsr-3296	870	8	i.	i.	NOUN
fsr-3296	870	9	(	(	PUNCT
fsr-3296	870	10	1975	1975	NUM
fsr-3296	870	11	)	)	PUNCT
fsr-3296	870	12	.	.	PUNCT
fsr-3296	871	1	belief	belief	NOUN
fsr-3296	871	2	,	,	PUNCT
fsr-3296	871	3	attitude	attitude	NOUN
fsr-3296	871	4	,	,	PUNCT
fsr-3296	871	5	intention	intention	NOUN
fsr-3296	871	6	and	and	CCONJ
fsr-3296	871	7	behavior	behavior	NOUN
fsr-3296	871	8	:	:	PUNCT
fsr-3296	871	9	an	an	DET
fsr-3296	871	10	introduction	introduction	NOUN
fsr-3296	871	11	to	to	ADP
fsr-3296	871	12	theory	theory	NOUN
fsr-3296	871	13	and	and	CCONJ
fsr-3296	871	14	research	research	NOUN
fsr-3296	871	15	.	.	PUNCT
fsr-3296	872	1	reading	reading	NOUN
fsr-3296	872	2	,	,	PUNCT
fsr-3296	872	3	ma	ma	PROPN
fsr-3296	872	4	:	:	PUNCT
fsr-3296	872	5	addison	addison	PROPN
fsr-3296	872	6	-	-	PUNCT
fsr-3296	872	7	wesley	wesley	PROPN
fsr-3296	872	8	.	.	PUNCT
fsr-3296	873	1	fishbein	fishbein	PROPN
fsr-3296	873	2	,	,	PUNCT
fsr-3296	873	3	m.	m.	NOUN
fsr-3296	873	4	,	,	PUNCT
fsr-3296	873	5	&	&	CCONJ
fsr-3296	873	6	ajzen	ajzen	PROPN
fsr-3296	873	7	,	,	PUNCT
fsr-3296	873	8	i.	i.	NOUN
fsr-3296	873	9	(	(	PUNCT
fsr-3296	873	10	1980	1980	NUM
fsr-3296	873	11	)	)	PUNCT
fsr-3296	873	12	.	.	PUNCT
fsr-3296	874	1	predicting	predict	VERB
fsr-3296	874	2	and	and	CCONJ
fsr-3296	874	3	understanding	understand	VERB
fsr-3296	874	4	consumer	consumer	NOUN
fsr-3296	874	5	behavior	behavior	NOUN
fsr-3296	874	6	:	:	PUNCT
fsr-3296	874	7	attitude	attitude	NOUN
fsr-3296	874	8	-	-	PUNCT
fsr-3296	874	9	behavior	behavior	NOUN
fsr-3296	874	10	correspondent	correspondent	NOUN
fsr-3296	874	11	.	.	PUNCT
fsr-3296	875	1	in	in	ADP
fsr-3296	875	2	i.	i.	PROPN
fsr-3296	875	3	ajzen	ajzen	PROPN
fsr-3296	875	4	&	&	CCONJ
fsr-3296	875	5	m.	m.	PROPN
fsr-3296	875	6	fishbein	fishbein	PROPN
fsr-3296	875	7	(	(	PUNCT
fsr-3296	875	8	eds	ed	NOUN
fsr-3296	875	9	.	.	PUNCT
fsr-3296	875	10	)	)	PUNCT
fsr-3296	875	11	,	,	PUNCT
fsr-3296	875	12	understanding	understand	VERB
fsr-3296	875	13	attitude	attitude	NOUN
fsr-3296	875	14	and	and	CCONJ
fsr-3296	875	15	predicting	predict	VERB
fsr-3296	875	16	social	social	ADJ
fsr-3296	875	17	behavior	behavior	NOUN
fsr-3296	875	18	(	(	PUNCT
fsr-3296	875	19	pp	pp	ADV
fsr-3296	875	20	.	.	PUNCT
fsr-3296	875	21	148–172	148–172	NUM
fsr-3296	875	22	)	)	PUNCT
fsr-3296	875	23	.	.	PUNCT
fsr-3296	876	1	englewood	englewood	PROPN
fsr-3296	876	2	cliffs	cliffs	PROPN
fsr-3296	876	3	,	,	PUNCT
fsr-3296	876	4	nj	nj	PROPN
fsr-3296	876	5	:	:	PUNCT
fsr-3296	876	6	prentice	prentice	NOUN
fsr-3296	876	7	-	-	PUNCT
fsr-3296	876	8	hall	hall	NOUN
fsr-3296	876	9	.	.	PUNCT
fsr-3296	877	1	fiske	fiske	PROPN
fsr-3296	877	2	,	,	PUNCT
fsr-3296	877	3	s.	s.	PROPN
fsr-3296	877	4	,	,	PUNCT
fsr-3296	877	5	&	&	CCONJ
fsr-3296	877	6	taylor	taylor	PROPN
fsr-3296	877	7	,	,	PUNCT
fsr-3296	877	8	s.	s.	PROPN
fsr-3296	877	9	(	(	PUNCT
fsr-3296	877	10	1991	1991	NUM
fsr-3296	877	11	)	)	PUNCT
fsr-3296	877	12	.	.	PUNCT
fsr-3296	878	1	social	social	ADJ
fsr-3296	878	2	cognition	cognition	NOUN
fsr-3296	878	3	(	(	PUNCT
fsr-3296	878	4	2nd	2nd	ADJ
fsr-3296	878	5	ed	ed	NOUN
fsr-3296	878	6	.	.	PUNCT
fsr-3296	878	7	)	)	PUNCT
fsr-3296	878	8	.	.	PUNCT
fsr-3296	879	1	new	new	PROPN
fsr-3296	879	2	york	york	PROPN
fsr-3296	879	3	,	,	PUNCT
fsr-3296	879	4	ny	ny	PROPN
fsr-3296	879	5	:	:	PUNCT
fsr-3296	879	6	mcgraw	mcgraw	PROPN
fsr-3296	879	7	-	-	PUNCT
fsr-3296	879	8	hill	hill	NOUN
fsr-3296	879	9	.	.	PUNCT
fsr-3296	880	1	gilliam	gilliam	PROPN
fsr-3296	880	2	,	,	PUNCT
fsr-3296	880	3	j.	j.	PROPN
fsr-3296	880	4	e.	e.	PROPN
fsr-3296	880	5	,	,	PUNCT
fsr-3296	880	6	chatterjee	chatterjee	PROPN
fsr-3296	880	7	,	,	PUNCT
fsr-3296	880	8	s.	s.	PROPN
fsr-3296	880	9	,	,	PUNCT
fsr-3296	880	10	&	&	CCONJ
fsr-3296	880	11	grable	grable	PROPN
fsr-3296	880	12	,	,	PUNCT
fsr-3296	880	13	j.	j.	PROPN
fsr-3296	880	14	(	(	PUNCT
fsr-3296	880	15	2010	2010	NUM
fsr-3296	880	16	)	)	PUNCT
fsr-3296	880	17	.	.	PUNCT
fsr-3296	881	1	measuring	measure	VERB
fsr-3296	881	2	the	the	DET
fsr-3296	881	3	perception	perception	NOUN
fsr-3296	881	4	of	of	ADP
fsr-3296	881	5	financial	financial	ADJ
fsr-3296	881	6	risk	risk	NOUN
fsr-3296	881	7	tolerance	tolerance	NOUN
fsr-3296	881	8	:	:	PUNCT
fsr-3296	881	9	a	a	DET
fsr-3296	881	10	tale	tale	NOUN
fsr-3296	881	11	of	of	ADP
fsr-3296	881	12	two	two	NUM
fsr-3296	881	13	measures	measure	NOUN
fsr-3296	881	14	.	.	PUNCT
fsr-3296	882	1	journal	journal	NOUN
fsr-3296	882	2	of	of	ADP
fsr-3296	882	3	financial	financial	ADJ
fsr-3296	882	4	counseling	counseling	NOUN
fsr-3296	882	5	and	and	CCONJ
fsr-3296	882	6	planning	planning	NOUN
fsr-3296	882	7	,	,	PUNCT
fsr-3296	882	8	21	21	NUM
fsr-3296	882	9	,	,	PUNCT
fsr-3296	882	10	30–43	30–43	NUM
fsr-3296	882	11	.	.	PUNCT
fsr-3296	882	12	83a	83a	PROPN
fsr-3296	882	13	.	.	PUNCT
fsr-3296	883	1	yazdanparast	yazdanparast	NOUN
fsr-3296	883	2	,	,	PUNCT
fsr-3296	883	3	y.	y.	PROPN
fsr-3296	883	4	alhenawi	alhenawi	PROPN
fsr-3296	883	5	/	/	SYM
fsr-3296	883	6	financial	financial	ADJ
fsr-3296	883	7	services	service	NOUN
fsr-3296	883	8	review	review	VERB
fsr-3296	883	9	26	26	NUM
fsr-3296	883	10	(	(	PUNCT
fsr-3296	883	11	2017	2017	NUM
fsr-3296	883	12	)	)	PUNCT
fsr-3296	883	13	55–85	55–85	NUM
fsr-3296	883	14	goodman	goodman	PROPN
fsr-3296	883	15	,	,	PUNCT
fsr-3296	883	16	j.	j.	PROPN
fsr-3296	883	17	k.	k.	PROPN
fsr-3296	883	18	,	,	PUNCT
fsr-3296	883	19	cryder	cryder	PROPN
fsr-3296	883	20	,	,	PUNCT
fsr-3296	883	21	c.	c.	PROPN
fsr-3296	883	22	e.	e.	PROPN
fsr-3296	883	23	,	,	PUNCT
fsr-3296	883	24	&	&	CCONJ
fsr-3296	883	25	cheema	cheema	PROPN
fsr-3296	883	26	a.	a.	PROPN
fsr-3296	883	27	(	(	PUNCT
fsr-3296	883	28	2013	2013	NUM
fsr-3296	883	29	)	)	PUNCT
fsr-3296	883	30	.	.	PUNCT
fsr-3296	884	1	data	datum	NOUN
fsr-3296	884	2	collection	collection	NOUN
fsr-3296	884	3	in	in	ADP
fsr-3296	884	4	a	a	DET
fsr-3296	884	5	flat	flat	ADJ
fsr-3296	884	6	world	world	NOUN
fsr-3296	884	7	:	:	PUNCT
fsr-3296	884	8	the	the	DET
fsr-3296	884	9	strengths	strength	NOUN
fsr-3296	884	10	and	and	CCONJ
fsr-3296	884	11	weaknesses	weakness	NOUN
fsr-3296	884	12	of	of	ADP
fsr-3296	884	13	mechanical	mechanical	ADJ
fsr-3296	884	14	turk	turk	NOUN
fsr-3296	884	15	samples	sample	NOUN
fsr-3296	884	16	.	.	PUNCT
fsr-3296	885	1	journal	journal	NOUN
fsr-3296	885	2	of	of	ADP
fsr-3296	885	3	behavioral	behavioral	ADJ
fsr-3296	885	4	decision	decision	NOUN
fsr-3296	885	5	making	making	NOUN
fsr-3296	885	6	,	,	PUNCT
fsr-3296	885	7	26	26	NUM
fsr-3296	885	8	,	,	PUNCT
fsr-3296	885	9	213–224	213–224	NUM
fsr-3296	885	10	.	.	PUNCT
fsr-3296	886	1	grable	grable	PROPN
fsr-3296	886	2	,	,	PUNCT
fsr-3296	886	3	j.	j.	PROPN
fsr-3296	886	4	e.	e.	PROPN
fsr-3296	886	5	(	(	PUNCT
fsr-3296	886	6	2000	2000	NUM
fsr-3296	886	7	)	)	PUNCT
fsr-3296	886	8	.	.	PUNCT
fsr-3296	887	1	financial	financial	ADJ
fsr-3296	887	2	risk	risk	NOUN
fsr-3296	887	3	tolerance	tolerance	NOUN
fsr-3296	887	4	and	and	CCONJ
fsr-3296	887	5	additional	additional	ADJ
fsr-3296	887	6	factors	factor	NOUN
fsr-3296	887	7	that	that	PRON
fsr-3296	887	8	affect	affect	VERB
fsr-3296	887	9	risk	risk	NOUN
fsr-3296	887	10	taking	take	VERB
fsr-3296	887	11	in	in	ADP
fsr-3296	887	12	everyday	everyday	ADJ
fsr-3296	887	13	money	money	NOUN
fsr-3296	887	14	matters	matter	NOUN
fsr-3296	887	15	.	.	PUNCT
fsr-3296	888	1	journal	journal	NOUN
fsr-3296	888	2	of	of	ADP
fsr-3296	888	3	business	business	NOUN
fsr-3296	888	4	and	and	CCONJ
fsr-3296	888	5	psychology	psychology	NOUN
fsr-3296	888	6	,	,	PUNCT
fsr-3296	888	7	14	14	NUM
fsr-3296	888	8	,	,	PUNCT
fsr-3296	888	9	625–630	625–630	NUM
fsr-3296	888	10	.	.	PUNCT
fsr-3296	889	1	grable	grable	PROPN
fsr-3296	889	2	,	,	PUNCT
fsr-3296	889	3	j.	j.	PROPN
fsr-3296	889	4	e.	e.	PROPN
fsr-3296	889	5	,	,	PUNCT
fsr-3296	889	6	&	&	CCONJ
fsr-3296	889	7	lytton	lytton	PROPN
fsr-3296	889	8	,	,	PUNCT
fsr-3296	889	9	r.	r.	PROPN
fsr-3296	889	10	h.	h.	PROPN
fsr-3296	889	11	(	(	PUNCT
fsr-3296	889	12	1999	1999	NUM
fsr-3296	889	13	)	)	PUNCT
fsr-3296	889	14	.	.	PUNCT
fsr-3296	890	1	financial	financial	ADJ
fsr-3296	890	2	risk	risk	NOUN
fsr-3296	890	3	tolerance	tolerance	NOUN
fsr-3296	890	4	revisited	revisit	VERB
fsr-3296	890	5	:	:	PUNCT
fsr-3296	890	6	the	the	DET
fsr-3296	890	7	development	development	NOUN
fsr-3296	890	8	of	of	ADP
fsr-3296	890	9	a	a	DET
fsr-3296	890	10	risk	risk	NOUN
fsr-3296	890	11	assessment	assessment	NOUN
fsr-3296	890	12	instrument	instrument	NOUN
fsr-3296	890	13	.	.	PUNCT
fsr-3296	891	1	financial	financial	ADJ
fsr-3296	891	2	services	service	NOUN
fsr-3296	891	3	review	review	NOUN
fsr-3296	891	4	,	,	PUNCT
fsr-3296	891	5	8	8	NUM
fsr-3296	891	6	,	,	PUNCT
fsr-3296	891	7	163–181	163–181	NUM
fsr-3296	891	8	.	.	PUNCT
fsr-3296	892	1	guiso	guiso	PROPN
fsr-3296	892	2	,	,	PUNCT
fsr-3296	892	3	l.	l.	PROPN
fsr-3296	892	4	,	,	PUNCT
fsr-3296	892	5	haliassos	haliassos	NOUN
fsr-3296	892	6	,	,	PUNCT
fsr-3296	892	7	m.	m.	NOUN
fsr-3296	892	8	,	,	PUNCT
fsr-3296	892	9	&	&	CCONJ
fsr-3296	892	10	jappelli	jappelli	PROPN
fsr-3296	892	11	,	,	PUNCT
fsr-3296	892	12	t.	t.	PROPN
fsr-3296	892	13	(	(	PUNCT
fsr-3296	892	14	2002	2002	NUM
fsr-3296	892	15	)	)	PUNCT
fsr-3296	892	16	.	.	PUNCT
fsr-3296	893	1	household	household	NOUN
fsr-3296	893	2	portfolios	portfolio	NOUN
fsr-3296	893	3	.	.	PUNCT
fsr-3296	894	1	cambridge	cambridge	PROPN
fsr-3296	894	2	,	,	PUNCT
fsr-3296	894	3	ma	ma	PROPN
fsr-3296	894	4	:	:	PUNCT
fsr-3296	894	5	mit	mit	PROPN
fsr-3296	894	6	press	press	NOUN
fsr-3296	894	7	.	.	PUNCT
fsr-3296	895	1	hair	hair	NOUN
fsr-3296	895	2	,	,	PUNCT
fsr-3296	895	3	j.	j.	PROPN
fsr-3296	895	4	f.	f.	PROPN
fsr-3296	895	5	,	,	PUNCT
fsr-3296	895	6	black	black	PROPN
fsr-3296	895	7	,	,	PUNCT
fsr-3296	895	8	w.	w.	PROPN
fsr-3296	895	9	c.	c.	PROPN
fsr-3296	895	10	,	,	PUNCT
fsr-3296	895	11	babin	babin	PROPN
fsr-3296	895	12	,	,	PUNCT
fsr-3296	895	13	b.	b.	PROPN
fsr-3296	895	14	j.	j.	PROPN
fsr-3296	895	15	,	,	PUNCT
fsr-3296	895	16	anderson	anderson	PROPN
fsr-3296	895	17	,	,	PUNCT
fsr-3296	895	18	r.	r.	PROPN
fsr-3296	895	19	e.	e.	PROPN
fsr-3296	895	20	,	,	PUNCT
fsr-3296	895	21	&	&	CCONJ
fsr-3296	895	22	tatham	tatham	PROPN
fsr-3296	895	23	,	,	PUNCT
fsr-3296	895	24	r.	r.	PROPN
fsr-3296	895	25	l.	l.	PROPN
fsr-3296	895	26	(	(	PUNCT
fsr-3296	895	27	2006	2006	NUM
fsr-3296	895	28	)	)	PUNCT
fsr-3296	895	29	.	.	PUNCT
fsr-3296	896	1	multivariate	multivariate	NOUN
fsr-3296	896	2	data	datum	NOUN
fsr-3296	896	3	analysis	analysis	NOUN
fsr-3296	896	4	(	(	PUNCT
fsr-3296	896	5	6	6	NUM
fsr-3296	896	6	ed	ed	NOUN
fsr-3296	896	7	.	.	PUNCT
fsr-3296	896	8	)	)	PUNCT
fsr-3296	896	9	.	.	PUNCT
fsr-3296	897	1	upper	upper	ADJ
fsr-3296	897	2	saddle	saddle	PROPN
fsr-3296	897	3	river	river	PROPN
fsr-3296	897	4	,	,	PUNCT
fsr-3296	897	5	nj	nj	PROPN
fsr-3296	897	6	:	:	PUNCT
fsr-3296	897	7	pearson	pearson	PROPN
fsr-3296	897	8	prentice	prentice	PROPN
fsr-3296	897	9	hall	hall	PROPN
fsr-3296	897	10	.	.	PUNCT
fsr-3296	898	1	harley	harley	PROPN
fsr-3296	898	2	,	,	PUNCT
fsr-3296	898	3	a.	a.	PROPN
fsr-3296	898	4	,	,	PUNCT
fsr-3296	898	5	&	&	CCONJ
fsr-3296	898	6	wilhelm	wilhelm	PROPN
fsr-3296	898	7	,	,	PUNCT
fsr-3296	898	8	m.	m.	NOUN
fsr-3296	898	9	(	(	PUNCT
fsr-3296	898	10	1992	1992	NUM
fsr-3296	898	11	)	)	PUNCT
fsr-3296	898	12	.	.	PUNCT
fsr-3296	899	1	compulsive	compulsive	ADJ
fsr-3296	899	2	buying	buying	NOUN
fsr-3296	899	3	and	and	CCONJ
fsr-3296	899	4	exploration	exploration	NOUN
fsr-3296	899	5	into	into	ADP
fsr-3296	899	6	self	self	NOUN
fsr-3296	899	7	-	-	PUNCT
fsr-3296	899	8	esteem	esteem	NOUN
fsr-3296	899	9	and	and	CCONJ
fsr-3296	899	10	money	money	NOUN
fsr-3296	899	11	attitudes	attitude	NOUN
fsr-3296	899	12	.	.	PUNCT
fsr-3296	900	1	journal	journal	PROPN
fsr-3296	900	2	of	of	ADP
fsr-3296	900	3	economics	economics	PROPN
fsr-3296	900	4	psychology	psychology	NOUN
fsr-3296	900	5	,	,	PUNCT
fsr-3296	900	6	13	13	NUM
fsr-3296	900	7	,	,	PUNCT
fsr-3296	900	8	5–17	5–17	PROPN
fsr-3296	900	9	.	.	PUNCT
fsr-3296	901	1	hayes	hayes	PROPN
fsr-3296	901	2	,	,	PUNCT
fsr-3296	901	3	a.	a.	PROPN
fsr-3296	901	4	f.	f.	PROPN
fsr-3296	901	5	(	(	PUNCT
fsr-3296	901	6	2012	2012	NUM
fsr-3296	901	7	)	)	PUNCT
fsr-3296	901	8	.	.	PUNCT
fsr-3296	902	1	process	process	NOUN
fsr-3296	902	2	:	:	PUNCT
fsr-3296	902	3	a	a	DET
fsr-3296	902	4	versatile	versatile	ADJ
fsr-3296	902	5	computational	computational	ADJ
fsr-3296	902	6	tool	tool	NOUN
fsr-3296	902	7	for	for	ADP
fsr-3296	902	8	observed	observed	ADJ
fsr-3296	902	9	variable	variable	ADJ
fsr-3296	902	10	mediation	mediation	NOUN
fsr-3296	902	11	,	,	PUNCT
fsr-3296	902	12	moderation	moderation	NOUN
fsr-3296	902	13	,	,	PUNCT
fsr-3296	902	14	and	and	CCONJ
fsr-3296	902	15	conditional	conditional	ADJ
fsr-3296	902	16	process	process	NOUN
fsr-3296	902	17	modeling	model	VERB
fsr-3296	902	18	[	[	X
fsr-3296	902	19	white	white	ADJ
fsr-3296	902	20	paper	paper	NOUN
fsr-3296	902	21	]	]	PUNCT
fsr-3296	902	22	(	(	PUNCT
fsr-3296	902	23	available	available	ADJ
fsr-3296	902	24	at	at	ADP
fsr-3296	902	25	http://www.afhayes.com/public/process	http://www.afhayes.com/public/process	PROPN
fsr-3296	902	26	2012.pdf	2012.pdf	NUM
fsr-3296	902	27	)	)	PUNCT
fsr-3296	902	28	.	.	PUNCT
fsr-3296	903	1	hilgert	hilgert	PROPN
fsr-3296	903	2	,	,	PUNCT
fsr-3296	903	3	m.	m.	NOUN
fsr-3296	903	4	,	,	PUNCT
fsr-3296	903	5	hogarth	hogarth	NOUN
fsr-3296	903	6	,	,	PUNCT
fsr-3296	903	7	j.	j.	PROPN
fsr-3296	903	8	,	,	PUNCT
fsr-3296	903	9	&	&	CCONJ
fsr-3296	903	10	beverly	beverly	PROPN
fsr-3296	903	11	,	,	PUNCT
fsr-3296	903	12	s.	s.	PROPN
fsr-3296	903	13	(	(	PUNCT
fsr-3296	903	14	2003	2003	NUM
fsr-3296	903	15	)	)	PUNCT
fsr-3296	903	16	.	.	PUNCT
fsr-3296	904	1	household	household	NOUN
fsr-3296	904	2	financial	financial	ADJ
fsr-3296	904	3	management	management	NOUN
fsr-3296	904	4	:	:	PUNCT
fsr-3296	904	5	the	the	DET
fsr-3296	904	6	connection	connection	NOUN
fsr-3296	904	7	between	between	ADP
fsr-3296	904	8	knowledge	knowledge	NOUN
fsr-3296	904	9	and	and	CCONJ
fsr-3296	904	10	behavior	behavior	NOUN
fsr-3296	904	11	.	.	PUNCT
fsr-3296	905	1	federal	federal	PROPN
fsr-3296	905	2	reserve	reserve	PROPN
fsr-3296	905	3	bulletin	bulletin	PROPN
fsr-3296	905	4	,	,	PUNCT
fsr-3296	905	5	89	89	NUM
fsr-3296	905	6	,	,	PUNCT
fsr-3296	905	7	309–332	309–332	NUM
fsr-3296	905	8	.	.	PUNCT
fsr-3296	906	1	hurst	hurst	PROPN
fsr-3296	906	2	,	,	PUNCT
fsr-3296	906	3	m.	m.	NOUN
fsr-3296	906	4	,	,	PUNCT
fsr-3296	906	5	&	&	CCONJ
fsr-3296	906	6	mendoza	mendoza	PROPN
fsr-3296	906	7	,	,	PUNCT
fsr-3296	906	8	m.	m.	NOUN
fsr-3296	906	9	(	(	PUNCT
fsr-3296	906	10	2016	2016	NUM
fsr-3296	906	11	)	)	PUNCT
fsr-3296	906	12	.	.	PUNCT
fsr-3296	907	1	the	the	DET
fsr-3296	907	2	behavior	behavior	NOUN
fsr-3296	907	3	heuristics	heuristic	NOUN
fsr-3296	907	4	responsible	responsible	ADJ
fsr-3296	907	5	for	for	ADP
fsr-3296	907	6	formation	formation	NOUN
fsr-3296	907	7	and	and	CCONJ
fsr-3296	907	8	liquidation	liquidation	NOUN
fsr-3296	907	9	of	of	ADP
fsr-3296	907	10	tax	tax	NOUN
fsr-3296	907	11	holding	holding	NOUN
fsr-3296	907	12	accounts	account	NOUN
fsr-3296	907	13	.	.	PUNCT
fsr-3296	908	1	financial	financial	ADJ
fsr-3296	908	2	services	service	NOUN
fsr-3296	908	3	review	review	PROPN
fsr-3296	908	4	,	,	PUNCT
fsr-3296	908	5	25	25	NUM
fsr-3296	908	6	,	,	PUNCT
fsr-3296	908	7	279–301	279–301	NUM
fsr-3296	908	8	.	.	PUNCT
fsr-3296	909	1	johnson	johnson	PROPN
fsr-3296	909	2	,	,	PUNCT
fsr-3296	909	3	k.	k.	PROPN
fsr-3296	909	4	,	,	PUNCT
fsr-3296	909	5	&	&	CCONJ
fsr-3296	909	6	li	li	PROPN
fsr-3296	909	7	,	,	PUNCT
fsr-3296	909	8	g.	g.	PROPN
fsr-3296	909	9	(	(	PUNCT
fsr-3296	909	10	2010	2010	NUM
fsr-3296	909	11	)	)	PUNCT
fsr-3296	909	12	.	.	PUNCT
fsr-3296	910	1	the	the	DET
fsr-3296	910	2	debt	debt	NOUN
fsr-3296	910	3	-	-	PUNCT
fsr-3296	910	4	payment	payment	NOUN
fsr-3296	910	5	-	-	PUNCT
fsr-3296	910	6	to	to	ADP
fsr-3296	910	7	-	-	PUNCT
fsr-3296	910	8	income	income	NOUN
fsr-3296	910	9	ratio	ratio	NOUN
fsr-3296	910	10	as	as	ADP
fsr-3296	910	11	an	an	DET
fsr-3296	910	12	indicator	indicator	NOUN
fsr-3296	910	13	of	of	ADP
fsr-3296	910	14	borrowing	borrowing	NOUN
fsr-3296	910	15	constraints	constraint	NOUN
fsr-3296	910	16	:	:	PUNCT
fsr-3296	910	17	evidence	evidence	NOUN
fsr-3296	910	18	from	from	ADP
fsr-3296	910	19	two	two	NUM
fsr-3296	910	20	household	household	NOUN
fsr-3296	910	21	surveys	survey	NOUN
fsr-3296	910	22	.	.	PUNCT
fsr-3296	911	1	journal	journal	NOUN
fsr-3296	911	2	of	of	ADP
fsr-3296	911	3	money	money	NOUN
fsr-3296	911	4	,	,	PUNCT
fsr-3296	911	5	credit	credit	NOUN
fsr-3296	911	6	and	and	CCONJ
fsr-3296	911	7	banking	banking	NOUN
fsr-3296	911	8	,	,	PUNCT
fsr-3296	911	9	42	42	NUM
fsr-3296	911	10	,	,	PUNCT
fsr-3296	911	11	1373–1390	1373–1390	NUM
fsr-3296	911	12	.	.	PUNCT
fsr-3296	912	1	jonas	jonas	PROPN
fsr-3296	912	2	,	,	PUNCT
fsr-3296	912	3	k.	k.	PROPN
fsr-3296	912	4	,	,	PUNCT
fsr-3296	912	5	diehl	diehl	PROPN
fsr-3296	912	6	,	,	PUNCT
fsr-3296	912	7	m.	m.	NOUN
fsr-3296	912	8	,	,	PUNCT
fsr-3296	912	9	&	&	CCONJ
fsr-3296	912	10	bromer	bromer	PROPN
fsr-3296	912	11	,	,	PUNCT
fsr-3296	912	12	p.	p.	NOUN
fsr-3296	912	13	(	(	PUNCT
fsr-3296	912	14	1997	1997	NUM
fsr-3296	912	15	)	)	PUNCT
fsr-3296	912	16	.	.	PUNCT
fsr-3296	913	1	effects	effect	NOUN
fsr-3296	913	2	of	of	ADP
fsr-3296	913	3	attitudinal	attitudinal	ADJ
fsr-3296	913	4	ambivalence	ambivalence	NOUN
fsr-3296	913	5	on	on	ADP
fsr-3296	913	6	information	information	NOUN
fsr-3296	913	7	processing	processing	NOUN
fsr-3296	913	8	and	and	CCONJ
fsr-3296	913	9	attitude	attitude	NOUN
fsr-3296	913	10	-	-	PUNCT
fsr-3296	913	11	intention	intention	NOUN
fsr-3296	913	12	consistency	consistency	NOUN
fsr-3296	913	13	.	.	PUNCT
fsr-3296	914	1	journal	journal	NOUN
fsr-3296	914	2	of	of	ADP
fsr-3296	914	3	experimental	experimental	ADJ
fsr-3296	914	4	social	social	ADJ
fsr-3296	914	5	psychology	psychology	NOUN
fsr-3296	914	6	,	,	PUNCT
fsr-3296	914	7	33	33	NUM
fsr-3296	914	8	,	,	PUNCT
fsr-3296	914	9	190–210	190–210	NUM
fsr-3296	914	10	.	.	PUNCT
fsr-3296	915	1	knoll	knoll	PROPN
fsr-3296	915	2	,	,	PUNCT
fsr-3296	915	3	m.	m.	NOUN
fsr-3296	915	4	a.	a.	PROPN
fsr-3296	915	5	,	,	PUNCT
fsr-3296	915	6	&	&	CCONJ
fsr-3296	915	7	houts	hout	NOUN
fsr-3296	915	8	,	,	PUNCT
fsr-3296	915	9	c.	c.	PROPN
fsr-3296	915	10	r.	r.	PROPN
fsr-3296	915	11	(	(	PUNCT
fsr-3296	915	12	2012	2012	NUM
fsr-3296	915	13	)	)	PUNCT
fsr-3296	915	14	.	.	PUNCT
fsr-3296	916	1	the	the	DET
fsr-3296	916	2	financial	financial	ADJ
fsr-3296	916	3	knowledge	knowledge	NOUN
fsr-3296	916	4	scale	scale	NOUN
fsr-3296	916	5	:	:	PUNCT
fsr-3296	916	6	an	an	DET
fsr-3296	916	7	application	application	NOUN
fsr-3296	916	8	of	of	ADP
fsr-3296	916	9	item	item	NOUN
fsr-3296	916	10	response	response	NOUN
fsr-3296	916	11	theory	theory	NOUN
fsr-3296	916	12	to	to	ADP
fsr-3296	916	13	the	the	DET
fsr-3296	916	14	assessment	assessment	NOUN
fsr-3296	916	15	of	of	ADP
fsr-3296	916	16	financial	financial	ADJ
fsr-3296	916	17	literacy	literacy	NOUN
fsr-3296	916	18	.	.	PUNCT
fsr-3296	917	1	the	the	DET
fsr-3296	917	2	journal	journal	NOUN
fsr-3296	917	3	of	of	ADP
fsr-3296	917	4	consumer	consumer	NOUN
fsr-3296	917	5	affairs	affair	NOUN
fsr-3296	917	6	,	,	PUNCT
fsr-3296	917	7	46	46	NUM
fsr-3296	917	8	,	,	PUNCT
fsr-3296	917	9	381–410	381–410	NUM
fsr-3296	917	10	.	.	PUNCT
fsr-3296	918	1	larkin	larkin	PROPN
fsr-3296	918	2	,	,	PUNCT
fsr-3296	918	3	c.	c.	PROPN
fsr-3296	918	4	,	,	PUNCT
fsr-3296	918	5	lucey	lucey	PROPN
fsr-3296	918	6	,	,	PUNCT
fsr-3296	918	7	b.	b.	PROPN
fsr-3296	918	8	,	,	PUNCT
fsr-3296	918	9	&	&	CCONJ
fsr-3296	918	10	mulholland	mulholland	PROPN
fsr-3296	918	11	,	,	PUNCT
fsr-3296	918	12	m.	m.	NOUN
fsr-3296	918	13	(	(	PUNCT
fsr-3296	918	14	2013	2013	NUM
fsr-3296	918	15	)	)	PUNCT
fsr-3296	918	16	.	.	PUNCT
fsr-3296	919	1	risk	risk	NOUN
fsr-3296	919	2	tolerance	tolerance	NOUN
fsr-3296	919	3	and	and	CCONJ
fsr-3296	919	4	demographic	demographic	ADJ
fsr-3296	919	5	characteristics	characteristic	NOUN
fsr-3296	919	6	:	:	PUNCT
fsr-3296	919	7	preliminary	preliminary	ADJ
fsr-3296	919	8	irish	irish	ADJ
fsr-3296	919	9	evidence	evidence	NOUN
fsr-3296	919	10	.	.	PUNCT
fsr-3296	920	1	financial	financial	ADJ
fsr-3296	920	2	services	service	NOUN
fsr-3296	920	3	review	review	PROPN
fsr-3296	920	4	,	,	PUNCT
fsr-3296	920	5	22	22	NUM
fsr-3296	920	6	,	,	PUNCT
fsr-3296	920	7	77	77	NUM
fsr-3296	920	8	.	.	PUNCT
fsr-3296	921	1	lee	lee	PROPN
fsr-3296	921	2	,	,	PUNCT
fsr-3296	921	3	j.	j.	PROPN
fsr-3296	921	4	,	,	PUNCT
fsr-3296	921	5	&	&	CCONJ
fsr-3296	921	6	kwon	kwon	PROPN
fsr-3296	921	7	,	,	PUNCT
fsr-3296	921	8	k.-n	k.-n	PROPN
fsr-3296	921	9	.	.	PUNCT
fsr-3296	922	1	(	(	PUNCT
fsr-3296	922	2	2002	2002	NUM
fsr-3296	922	3	)	)	PUNCT
fsr-3296	922	4	.	.	PUNCT
fsr-3296	923	1	consumers	consumer	NOUN
fsr-3296	923	2	’	'	PUNCT
fsr-3296	923	3	use	use	NOUN
fsr-3296	923	4	of	of	ADP
fsr-3296	923	5	credit	credit	NOUN
fsr-3296	923	6	cards	card	NOUN
fsr-3296	923	7	:	:	PUNCT
fsr-3296	923	8	store	store	NOUN
fsr-3296	923	9	credit	credit	NOUN
fsr-3296	923	10	card	card	NOUN
fsr-3296	923	11	usage	usage	NOUN
fsr-3296	923	12	as	as	ADP
fsr-3296	923	13	an	an	DET
fsr-3296	923	14	alternative	alternative	ADJ
fsr-3296	923	15	payment	payment	NOUN
fsr-3296	923	16	and	and	CCONJ
fsr-3296	923	17	financing	financing	NOUN
fsr-3296	923	18	medium	medium	NOUN
fsr-3296	923	19	.	.	PUNCT
fsr-3296	924	1	the	the	DET
fsr-3296	924	2	journal	journal	NOUN
fsr-3296	924	3	of	of	ADP
fsr-3296	924	4	consumer	consumer	NOUN
fsr-3296	924	5	affairs	affair	NOUN
fsr-3296	924	6	,	,	PUNCT
fsr-3296	924	7	36	36	NUM
fsr-3296	924	8	,	,	PUNCT
fsr-3296	924	9	239–262	239–262	NUM
fsr-3296	924	10	.	.	PUNCT
fsr-3296	924	11	licata	licata	PROPN
fsr-3296	924	12	,	,	PUNCT
fsr-3296	924	13	j.	j.	PROPN
fsr-3296	924	14	w.	w.	PROPN
fsr-3296	924	15	,	,	PUNCT
fsr-3296	924	16	mowen	mowen	PROPN
fsr-3296	924	17	,	,	PUNCT
fsr-3296	924	18	j.	j.	PROPN
fsr-3296	924	19	c.	c.	PROPN
fsr-3296	924	20	,	,	PUNCT
fsr-3296	924	21	harris	harris	PROPN
fsr-3296	924	22	,	,	PUNCT
fsr-3296	924	23	e.	e.	PROPN
fsr-3296	924	24	g.	g.	PROPN
fsr-3296	924	25	,	,	PUNCT
fsr-3296	924	26	&	&	CCONJ
fsr-3296	924	27	brown	brown	PROPN
fsr-3296	924	28	,	,	PUNCT
fsr-3296	924	29	t.	t.	PROPN
fsr-3296	924	30	(	(	PUNCT
fsr-3296	924	31	2003	2003	NUM
fsr-3296	924	32	)	)	PUNCT
fsr-3296	924	33	.	.	PUNCT
fsr-3296	925	1	on	on	ADP
fsr-3296	925	2	the	the	DET
fsr-3296	925	3	trait	trait	NOUN
fsr-3296	925	4	antecedents	antecedent	NOUN
fsr-3296	925	5	and	and	CCONJ
fsr-3296	925	6	outcomes	outcome	NOUN
fsr-3296	925	7	of	of	ADP
fsr-3296	925	8	service	service	NOUN
fsr-3296	925	9	worker	worker	NOUN
fsr-3296	925	10	job	job	NOUN
fsr-3296	925	11	resourcefulness	resourcefulness	NOUN
fsr-3296	925	12	:	:	PUNCT
fsr-3296	925	13	a	a	DET
fsr-3296	925	14	hierarchical	hierarchical	ADJ
fsr-3296	925	15	model	model	NOUN
fsr-3296	925	16	approach	approach	NOUN
fsr-3296	925	17	.	.	PUNCT
fsr-3296	926	1	journal	journal	NOUN
fsr-3296	926	2	of	of	ADP
fsr-3296	926	3	the	the	DET
fsr-3296	926	4	academy	academy	NOUN
fsr-3296	926	5	of	of	ADP
fsr-3296	926	6	marketing	marketing	NOUN
fsr-3296	926	7	science	science	NOUN
fsr-3296	926	8	,	,	PUNCT
fsr-3296	926	9	31	31	NUM
fsr-3296	926	10	,	,	PUNCT
fsr-3296	926	11	256–271	256–271	NUM
fsr-3296	926	12	.	.	PUNCT
fsr-3296	927	1	lin	lin	PROPN
fsr-3296	927	2	,	,	PUNCT
fsr-3296	927	3	l.	l.	PROPN
fsr-3296	927	4	(	(	PUNCT
fsr-3296	927	5	2010	2010	NUM
fsr-3296	927	6	)	)	PUNCT
fsr-3296	927	7	.	.	PUNCT
fsr-3296	928	1	the	the	DET
fsr-3296	928	2	relationship	relationship	NOUN
fsr-3296	928	3	of	of	ADP
fsr-3296	928	4	the	the	DET
fsr-3296	928	5	consumer	consumer	NOUN
fsr-3296	928	6	personality	personality	NOUN
fsr-3296	928	7	trait	trait	NOUN
fsr-3296	928	8	,	,	PUNCT
fsr-3296	928	9	brand	brand	NOUN
fsr-3296	928	10	personality	personality	NOUN
fsr-3296	928	11	and	and	CCONJ
fsr-3296	928	12	brand	brand	NOUN
fsr-3296	928	13	loyalty	loyalty	NOUN
fsr-3296	928	14	:	:	PUNCT
fsr-3296	928	15	an	an	DET
fsr-3296	928	16	empirical	empirical	ADJ
fsr-3296	928	17	study	study	NOUN
fsr-3296	928	18	of	of	ADP
fsr-3296	928	19	toys	toy	NOUN
fsr-3296	928	20	and	and	CCONJ
fsr-3296	928	21	video	video	NOUN
fsr-3296	928	22	games	game	NOUN
fsr-3296	928	23	buyers	buyer	NOUN
fsr-3296	928	24	.	.	PUNCT
fsr-3296	929	1	journal	journal	NOUN
fsr-3296	929	2	of	of	ADP
fsr-3296	929	3	product	product	NOUN
fsr-3296	929	4	&	&	CCONJ
fsr-3296	929	5	brand	brand	PROPN
fsr-3296	929	6	management	management	PROPN
fsr-3296	929	7	,	,	PUNCT
fsr-3296	929	8	19	19	NUM
fsr-3296	929	9	,	,	PUNCT
fsr-3296	929	10	4–17	4–17	PROPN
fsr-3296	929	11	.	.	PUNCT
fsr-3296	930	1	lusardi	lusardi	PROPN
fsr-3296	930	2	,	,	PUNCT
fsr-3296	930	3	a.	a.	PROPN
fsr-3296	930	4	,	,	PUNCT
fsr-3296	930	5	&	&	CCONJ
fsr-3296	930	6	mitchell	mitchell	PROPN
fsr-3296	930	7	,	,	PUNCT
fsr-3296	930	8	o.	o.	PROPN
fsr-3296	930	9	s.	s.	PROPN
fsr-3296	930	10	(	(	PUNCT
fsr-3296	930	11	2008	2008	NUM
fsr-3296	930	12	)	)	PUNCT
fsr-3296	930	13	.	.	PUNCT
fsr-3296	931	1	planning	planning	NOUN
fsr-3296	931	2	and	and	CCONJ
fsr-3296	931	3	financial	financial	ADJ
fsr-3296	931	4	literacy	literacy	NOUN
fsr-3296	931	5	:	:	PUNCT
fsr-3296	931	6	how	how	SCONJ
fsr-3296	931	7	do	do	AUX
fsr-3296	931	8	women	woman	NOUN
fsr-3296	931	9	fare	fare	VERB
fsr-3296	931	10	?	?	PUNCT
fsr-3296	932	1	american	american	PROPN
fsr-3296	932	2	economic	economic	PROPN
fsr-3296	932	3	review	review	PROPN
fsr-3296	932	4	,	,	PUNCT
fsr-3296	932	5	98	98	NUM
fsr-3296	932	6	,	,	PUNCT
fsr-3296	932	7	413–417	413–417	NUM
fsr-3296	932	8	.	.	PUNCT
fsr-3296	933	1	lynch	lynch	PROPN
fsr-3296	933	2	j.	j.	PROPN
fsr-3296	933	3	r.	r.	PROPN
fsr-3296	933	4	(	(	PUNCT
fsr-3296	933	5	2011	2011	NUM
fsr-3296	933	6	)	)	PUNCT
fsr-3296	933	7	.	.	PUNCT
fsr-3296	934	1	introduction	introduction	NOUN
fsr-3296	934	2	to	to	ADP
fsr-3296	934	3	the	the	DET
fsr-3296	934	4	journal	journal	NOUN
fsr-3296	934	5	of	of	ADP
fsr-3296	934	6	marketing	marketing	NOUN
fsr-3296	934	7	research	research	NOUN
fsr-3296	934	8	special	special	ADJ
fsr-3296	934	9	interdisciplinary	interdisciplinary	ADJ
fsr-3296	934	10	issue	issue	NOUN
fsr-3296	934	11	on	on	ADP
fsr-3296	934	12	consumer	consumer	NOUN
fsr-3296	934	13	financial	financial	ADJ
fsr-3296	934	14	decision	decision	NOUN
fsr-3296	934	15	making	making	NOUN
fsr-3296	934	16	.	.	PUNCT
fsr-3296	935	1	journal	journal	NOUN
fsr-3296	935	2	of	of	ADP
fsr-3296	935	3	marketing	marketing	NOUN
fsr-3296	935	4	research,48	research,48	NOUN
fsr-3296	935	5	,	,	PUNCT
fsr-3296	935	6	siv	siv	PROPN
fsr-3296	935	7	–	–	PUNCT
fsr-3296	935	8	sviii	sviii	NOUN
fsr-3296	935	9	.	.	PUNCT
fsr-3296	936	1	mansfield	mansfield	PROPN
fsr-3296	936	2	,	,	PUNCT
fsr-3296	936	3	p.	p.	NOUN
fsr-3296	936	4	m.	m.	NOUN
fsr-3296	936	5	,	,	PUNCT
fsr-3296	936	6	pinto	pinto	NOUN
fsr-3296	936	7	,	,	PUNCT
fsr-3296	936	8	m.	m.	PROPN
fsr-3296	936	9	b.	b.	PROPN
fsr-3296	936	10	,	,	PUNCT
fsr-3296	936	11	&	&	CCONJ
fsr-3296	936	12	parente	parente	PROPN
fsr-3296	936	13	,	,	PUNCT
fsr-3296	936	14	d.	d.	PROPN
fsr-3296	936	15	h.	h.	PROPN
fsr-3296	936	16	(	(	PUNCT
fsr-3296	936	17	2003	2003	NUM
fsr-3296	936	18	)	)	PUNCT
fsr-3296	936	19	.	.	PUNCT
fsr-3296	937	1	self	self	NOUN
fsr-3296	937	2	-	-	PUNCT
fsr-3296	937	3	control	control	NOUN
fsr-3296	937	4	and	and	CCONJ
fsr-3296	937	5	credit	credit	NOUN
fsr-3296	937	6	-	-	PUNCT
fsr-3296	937	7	card	card	NOUN
fsr-3296	937	8	use	use	NOUN
fsr-3296	937	9	among	among	ADP
fsr-3296	937	10	college	college	NOUN
fsr-3296	937	11	students	student	NOUN
fsr-3296	937	12	.	.	PUNCT
fsr-3296	938	1	psychological	psychological	ADJ
fsr-3296	938	2	reports	report	NOUN
fsr-3296	938	3	,	,	PUNCT
fsr-3296	938	4	92	92	NUM
fsr-3296	938	5	,	,	PUNCT
fsr-3296	938	6	1067–1078	1067–1078	NUM
fsr-3296	938	7	.	.	PUNCT
fsr-3296	939	1	mason	mason	PROPN
fsr-3296	939	2	,	,	PUNCT
fsr-3296	939	3	w.	w.	PROPN
fsr-3296	939	4	,	,	PUNCT
fsr-3296	939	5	&	&	CCONJ
fsr-3296	939	6	suri	suri	PROPN
fsr-3296	939	7	.	.	PUNCT
fsr-3296	940	1	s.	s.	PROPN
fsr-3296	940	2	(	(	PUNCT
fsr-3296	940	3	2012	2012	NUM
fsr-3296	940	4	)	)	PUNCT
fsr-3296	940	5	.	.	PUNCT
fsr-3296	941	1	conducting	conduct	VERB
fsr-3296	941	2	behavioral	behavioral	ADJ
fsr-3296	941	3	research	research	NOUN
fsr-3296	941	4	on	on	ADP
fsr-3296	941	5	amazon	amazon	NOUN
fsr-3296	941	6	’s	’s	PART
fsr-3296	941	7	mechanical	mechanical	ADJ
fsr-3296	941	8	turk	turk	PROPN
fsr-3296	941	9	.	.	PUNCT
fsr-3296	942	1	behavior	behavior	NOUN
fsr-3296	942	2	research	research	NOUN
fsr-3296	942	3	methods	method	NOUN
fsr-3296	942	4	,	,	PUNCT
fsr-3296	942	5	44	44	NUM
fsr-3296	942	6	,	,	PUNCT
fsr-3296	942	7	1–23	1–23	PROPN
fsr-3296	942	8	.	.	PUNCT
fsr-3296	943	1	mccrae	mccrae	PROPN
fsr-3296	943	2	,	,	PUNCT
fsr-3296	943	3	r.	r.	PROPN
fsr-3296	943	4	r.	r.	PROPN
fsr-3296	943	5	,	,	PUNCT
fsr-3296	943	6	&	&	CCONJ
fsr-3296	943	7	cost	cost	NOUN
fsr-3296	943	8	,	,	PUNCT
fsr-3296	943	9	p.	p.	NOUN
fsr-3296	943	10	t.	t.	PROPN
fsr-3296	943	11	jr	jr	PROPN
fsr-3296	943	12	.	.	PROPN
fsr-3296	943	13	(	(	PUNCT
fsr-3296	943	14	1987	1987	NUM
fsr-3296	943	15	)	)	PUNCT
fsr-3296	943	16	.	.	PUNCT
fsr-3296	944	1	validation	validation	NOUN
fsr-3296	944	2	of	of	ADP
fsr-3296	944	3	the	the	DET
fsr-3296	944	4	five	five	NUM
fsr-3296	944	5	-	-	PUNCT
fsr-3296	944	6	factor	factor	NOUN
fsr-3296	944	7	model	model	NOUN
fsr-3296	944	8	of	of	ADP
fsr-3296	944	9	personality	personality	NOUN
fsr-3296	944	10	across	across	ADP
fsr-3296	944	11	instruments	instrument	NOUN
fsr-3296	944	12	and	and	CCONJ
fsr-3296	944	13	observers	observer	NOUN
fsr-3296	944	14	.	.	PUNCT
fsr-3296	945	1	journal	journal	NOUN
fsr-3296	945	2	of	of	ADP
fsr-3296	945	3	personality	personality	NOUN
fsr-3296	945	4	and	and	CCONJ
fsr-3296	945	5	social	social	ADJ
fsr-3296	945	6	psychology	psychology	NOUN
fsr-3296	945	7	,	,	PUNCT
fsr-3296	945	8	52	52	NUM
fsr-3296	945	9	,	,	PUNCT
fsr-3296	945	10	81–90	81–90	NUM
fsr-3296	945	11	.	.	PUNCT
fsr-3296	946	1	mehrabian	mehrabian	PROPN
fsr-3296	946	2	,	,	PUNCT
fsr-3296	946	3	a.	a.	PROPN
fsr-3296	946	4	,	,	PUNCT
fsr-3296	946	5	&	&	CCONJ
fsr-3296	946	6	russell	russell	PROPN
fsr-3296	946	7	,	,	PUNCT
fsr-3296	946	8	j.	j.	PROPN
fsr-3296	946	9	a.	a.	PROPN
fsr-3296	946	10	(	(	PUNCT
fsr-3296	946	11	1974	1974	NUM
fsr-3296	946	12	)	)	PUNCT
fsr-3296	946	13	.	.	PUNCT
fsr-3296	947	1	an	an	DET
fsr-3296	947	2	approach	approach	NOUN
fsr-3296	947	3	to	to	ADP
fsr-3296	947	4	environmental	environmental	ADJ
fsr-3296	947	5	psychology	psychology	NOUN
fsr-3296	947	6	.	.	PUNCT
fsr-3296	948	1	cambridge	cambridge	PROPN
fsr-3296	948	2	,	,	PUNCT
fsr-3296	948	3	ma	ma	PROPN
fsr-3296	948	4	.	.	PROPN
fsr-3296	948	5	mowen	mowen	PROPN
fsr-3296	948	6	,	,	PUNCT
fsr-3296	948	7	j.	j.	PROPN
fsr-3296	948	8	c.	c.	PROPN
fsr-3296	948	9	,	,	PUNCT
fsr-3296	948	10	&	&	CCONJ
fsr-3296	948	11	carlson	carlson	PROPN
fsr-3296	948	12	,	,	PUNCT
fsr-3296	948	13	b.	b.	PROPN
fsr-3296	948	14	(	(	PUNCT
fsr-3296	948	15	2003	2003	NUM
fsr-3296	948	16	)	)	PUNCT
fsr-3296	948	17	.	.	PUNCT
fsr-3296	949	1	exploring	explore	VERB
fsr-3296	949	2	the	the	DET
fsr-3296	949	3	antecedents	antecedent	NOUN
fsr-3296	949	4	and	and	CCONJ
fsr-3296	949	5	consumer	consumer	NOUN
fsr-3296	949	6	behavior	behavior	NOUN
fsr-3296	949	7	consequences	consequence	NOUN
fsr-3296	949	8	of	of	ADP
fsr-3296	949	9	the	the	DET
fsr-3296	949	10	trait	trait	NOUN
fsr-3296	949	11	of	of	ADP
fsr-3296	949	12	superstition	superstition	NOUN
fsr-3296	949	13	.	.	PUNCT
fsr-3296	950	1	psychology	psychology	NOUN
fsr-3296	950	2	&	&	CCONJ
fsr-3296	950	3	marketing	marketing	PROPN
fsr-3296	950	4	,	,	PUNCT
fsr-3296	950	5	20	20	NUM
fsr-3296	950	6	,	,	PUNCT
fsr-3296	950	7	1045–1065	1045–1065	NUM
fsr-3296	950	8	.	.	PUNCT
fsr-3296	951	1	mowen	mowen	PROPN
fsr-3296	951	2	,	,	PUNCT
fsr-3296	951	3	j.	j.	PROPN
fsr-3296	951	4	c.	c.	PROPN
fsr-3296	951	5	,	,	PUNCT
fsr-3296	951	6	&	&	CCONJ
fsr-3296	951	7	spears	spear	NOUN
fsr-3296	951	8	,	,	PUNCT
fsr-3296	951	9	n.	n.	NOUN
fsr-3296	951	10	(	(	PUNCT
fsr-3296	951	11	1999	1999	NUM
fsr-3296	951	12	)	)	PUNCT
fsr-3296	951	13	.	.	PUNCT
fsr-3296	952	1	a	a	DET
fsr-3296	952	2	hierarchical	hierarchical	ADJ
fsr-3296	952	3	model	model	NOUN
fsr-3296	952	4	approach	approach	NOUN
fsr-3296	952	5	to	to	ADP
fsr-3296	952	6	understanding	understand	VERB
fsr-3296	952	7	compulsive	compulsive	ADJ
fsr-3296	952	8	buying	buying	NOUN
fsr-3296	952	9	among	among	ADP
fsr-3296	952	10	college	college	NOUN
fsr-3296	952	11	students	student	NOUN
fsr-3296	952	12	.	.	PUNCT
fsr-3296	953	1	journal	journal	NOUN
fsr-3296	953	2	of	of	ADP
fsr-3296	953	3	consumer	consumer	NOUN
fsr-3296	953	4	psychology	psychology	NOUN
fsr-3296	953	5	,	,	PUNCT
fsr-3296	953	6	8	8	NUM
fsr-3296	953	7	,	,	PUNCT
fsr-3296	953	8	407–430	407–430	NUM
fsr-3296	953	9	.	.	PUNCT
fsr-3296	954	1	mowen	mowen	NOUN
fsr-3296	954	2	,	,	PUNCT
fsr-3296	954	3	j.	j.	PROPN
fsr-3296	954	4	c.	c.	PROPN
fsr-3296	954	5	(	(	PUNCT
fsr-3296	954	6	2000	2000	NUM
fsr-3296	954	7	)	)	PUNCT
fsr-3296	954	8	.	.	PUNCT
fsr-3296	955	1	the	the	DET
fsr-3296	955	2	3	3	NUM
fsr-3296	955	3	-	-	PUNCT
fsr-3296	955	4	m	m	NOUN
fsr-3296	955	5	model	model	NOUN
fsr-3296	955	6	of	of	ADP
fsr-3296	955	7	motivation	motivation	NOUN
fsr-3296	955	8	and	and	CCONJ
fsr-3296	955	9	personality	personality	NOUN
fsr-3296	955	10	:	:	PUNCT
fsr-3296	955	11	theory	theory	NOUN
fsr-3296	955	12	and	and	CCONJ
fsr-3296	955	13	empirical	empirical	ADJ
fsr-3296	955	14	applications	application	NOUN
fsr-3296	955	15	to	to	ADP
fsr-3296	955	16	consumer	consumer	NOUN
fsr-3296	955	17	behavior	behavior	NOUN
fsr-3296	955	18	.	.	PUNCT
fsr-3296	956	1	boston	boston	PROPN
fsr-3296	956	2	,	,	PUNCT
fsr-3296	956	3	ma	ma	PROPN
fsr-3296	956	4	:	:	PUNCT
fsr-3296	956	5	kluwer	kluwer	PROPN
fsr-3296	956	6	academic	academic	ADJ
fsr-3296	956	7	press	press	NOUN
fsr-3296	956	8	.	.	PUNCT
fsr-3296	957	1	84	84	NUM
fsr-3296	957	2	a.	a.	NOUN
fsr-3296	957	3	yazdanparast	yazdanparast	NOUN
fsr-3296	957	4	,	,	PUNCT
fsr-3296	957	5	y.	y.	PROPN
fsr-3296	957	6	alhenawi	alhenawi	PROPN
fsr-3296	957	7	/	/	SYM
fsr-3296	957	8	financial	financial	ADJ
fsr-3296	957	9	services	service	NOUN
fsr-3296	957	10	review	review	VERB
fsr-3296	957	11	26	26	NUM
fsr-3296	957	12	(	(	PUNCT
fsr-3296	957	13	2017	2017	NUM
fsr-3296	957	14	)	)	PUNCT
fsr-3296	957	15	55–85	55–85	NUM
fsr-3296	957	16	mowen	mowen	NOUN
fsr-3296	957	17	,	,	PUNCT
fsr-3296	957	18	j.	j.	PROPN
fsr-3296	957	19	c.	c.	PROPN
fsr-3296	957	20	,	,	PUNCT
fsr-3296	957	21	park	park	NOUN
fsr-3296	957	22	,	,	PUNCT
fsr-3296	957	23	s.	s.	PROPN
fsr-3296	957	24	,	,	PUNCT
fsr-3296	957	25	&	&	CCONJ
fsr-3296	957	26	zablah	zablah	PROPN
fsr-3296	957	27	,	,	PUNCT
fsr-3296	957	28	a.	a.	NOUN
fsr-3296	957	29	(	(	PUNCT
fsr-3296	957	30	2007	2007	NUM
fsr-3296	957	31	)	)	PUNCT
fsr-3296	957	32	.	.	PUNCT
fsr-3296	958	1	toward	toward	ADP
fsr-3296	958	2	a	a	DET
fsr-3296	958	3	theory	theory	NOUN
fsr-3296	958	4	of	of	ADP
fsr-3296	958	5	motivation	motivation	NOUN
fsr-3296	958	6	and	and	CCONJ
fsr-3296	958	7	personality	personality	NOUN
fsr-3296	958	8	with	with	ADP
fsr-3296	958	9	application	application	NOUN
fsr-3296	958	10	to	to	ADP
fsr-3296	958	11	word	word	NOUN
fsr-3296	958	12	-	-	PUNCT
fsr-3296	958	13	of	of	ADP
fsr-3296	958	14	-	-	PUNCT
fsr-3296	958	15	mouth	mouth	NOUN
fsr-3296	958	16	communications	communication	NOUN
fsr-3296	958	17	.	.	PUNCT
fsr-3296	959	1	journal	journal	NOUN
fsr-3296	959	2	of	of	ADP
fsr-3296	959	3	business	business	NOUN
fsr-3296	959	4	research	research	NOUN
fsr-3296	959	5	,	,	PUNCT
fsr-3296	959	6	60	60	NUM
fsr-3296	959	7	,	,	PUNCT
fsr-3296	959	8	590–596	590–596	NUM
fsr-3296	959	9	.	.	PUNCT
fsr-3296	960	1	norvilitis	norvilitis	PROPN
fsr-3296	960	2	,	,	PUNCT
fsr-3296	960	3	j.	j.	PROPN
fsr-3296	960	4	m.	m.	PROPN
fsr-3296	960	5	,	,	PUNCT
fsr-3296	960	6	merwin	merwin	PROPN
fsr-3296	960	7	,	,	PUNCT
fsr-3296	960	8	m.	m.	NOUN
fsr-3296	960	9	m.	m.	NOUN
fsr-3296	960	10	,	,	PUNCT
fsr-3296	960	11	osberg	osberg	PROPN
fsr-3296	960	12	,	,	PUNCT
fsr-3296	960	13	t.	t.	NOUN
fsr-3296	960	14	m.	m.	NOUN
fsr-3296	960	15	,	,	PUNCT
fsr-3296	960	16	roehling	roehling	NOUN
fsr-3296	960	17	,	,	PUNCT
fsr-3296	960	18	p.	p.	NOUN
fsr-3296	960	19	v.	v.	NOUN
fsr-3296	960	20	,	,	PUNCT
fsr-3296	960	21	young	young	ADJ
fsr-3296	960	22	,	,	PUNCT
fsr-3296	960	23	p.	p.	NOUN
fsr-3296	960	24	,	,	PUNCT
fsr-3296	960	25	&	&	CCONJ
fsr-3296	960	26	kamas	kamas	PROPN
fsr-3296	960	27	,	,	PUNCT
fsr-3296	960	28	m.	m.	NOUN
fsr-3296	960	29	(	(	PUNCT
fsr-3296	960	30	2006	2006	NUM
fsr-3296	960	31	)	)	PUNCT
fsr-3296	960	32	.	.	PUNCT
fsr-3296	961	1	personality	personality	NOUN
fsr-3296	961	2	factors	factor	NOUN
fsr-3296	961	3	,	,	PUNCT
fsr-3296	961	4	money	money	NOUN
fsr-3296	961	5	attitudes	attitude	NOUN
fsr-3296	961	6	,	,	PUNCT
fsr-3296	961	7	financial	financial	ADJ
fsr-3296	961	8	knowledge	knowledge	NOUN
fsr-3296	961	9	,	,	PUNCT
fsr-3296	961	10	and	and	CCONJ
fsr-3296	961	11	credit	credit	NOUN
fsr-3296	961	12	card	card	NOUN
fsr-3296	961	13	debt	debt	NOUN
fsr-3296	961	14	in	in	ADP
fsr-3296	961	15	college	college	NOUN
fsr-3296	961	16	students	student	NOUN
fsr-3296	961	17	.	.	PUNCT
fsr-3296	962	1	journal	journal	PROPN
fsr-3296	962	2	of	of	ADP
fsr-3296	962	3	applied	apply	VERB
fsr-3296	962	4	social	social	ADJ
fsr-3296	962	5	psychology	psychology	NOUN
fsr-3296	962	6	,	,	PUNCT
fsr-3296	962	7	36	36	NUM
fsr-3296	962	8	,	,	PUNCT
fsr-3296	962	9	1395–1413	1395–1413	NUM
fsr-3296	962	10	.	.	PUNCT
fsr-3296	963	1	nyhus	nyhus	PROPN
fsr-3296	963	2	,	,	PUNCT
fsr-3296	963	3	e.	e.	PROPN
fsr-3296	963	4	k.	k.	PROPN
fsr-3296	963	5	,	,	PUNCT
fsr-3296	963	6	&	&	CCONJ
fsr-3296	963	7	webley	webley	PROPN
fsr-3296	963	8	,	,	PUNCT
fsr-3296	963	9	p.	p.	NOUN
fsr-3296	963	10	(	(	PUNCT
fsr-3296	963	11	2001	2001	NUM
fsr-3296	963	12	)	)	PUNCT
fsr-3296	963	13	.	.	PUNCT
fsr-3296	964	1	the	the	DET
fsr-3296	964	2	role	role	NOUN
fsr-3296	964	3	of	of	ADP
fsr-3296	964	4	personality	personality	NOUN
fsr-3296	964	5	in	in	ADP
fsr-3296	964	6	household	household	NOUN
fsr-3296	964	7	savings	saving	NOUN
fsr-3296	964	8	and	and	CCONJ
fsr-3296	964	9	borrowing	borrowing	NOUN
fsr-3296	964	10	behavior	behavior	NOUN
fsr-3296	964	11	.	.	PUNCT
fsr-3296	965	1	european	european	ADJ
fsr-3296	965	2	journal	journal	PROPN
fsr-3296	965	3	of	of	ADP
fsr-3296	965	4	personality	personality	NOUN
fsr-3296	965	5	,	,	PUNCT
fsr-3296	965	6	15	15	NUM
fsr-3296	965	7	(	(	PUNCT
fsr-3296	965	8	special	special	ADJ
fsr-3296	965	9	issue	issue	NOUN
fsr-3296	965	10	:	:	PUNCT
fsr-3296	965	11	personality	personality	NOUN
fsr-3296	965	12	and	and	CCONJ
fsr-3296	965	13	economic	economic	ADJ
fsr-3296	965	14	behavior	behavior	NOUN
fsr-3296	965	15	)	)	PUNCT
fsr-3296	965	16	,	,	PUNCT
fsr-3296	965	17	85–103	85–103	NUM
fsr-3296	965	18	.	.	PUNCT
fsr-3296	965	19	pinto	pinto	NOUN
fsr-3296	965	20	,	,	PUNCT
fsr-3296	965	21	m.	m.	PROPN
fsr-3296	965	22	b.	b.	PROPN
fsr-3296	965	23	,	,	PUNCT
fsr-3296	965	24	parente	parente	PROPN
fsr-3296	965	25	,	,	PUNCT
fsr-3296	965	26	d.	d.	PROPN
fsr-3296	965	27	h.	h.	PROPN
fsr-3296	965	28	,	,	PUNCT
fsr-3296	965	29	&	&	CCONJ
fsr-3296	965	30	palmer	palmer	PROPN
fsr-3296	965	31	,	,	PUNCT
fsr-3296	965	32	t.	t.	PROPN
fsr-3296	965	33	s.	s.	PROPN
fsr-3296	965	34	(	(	PUNCT
fsr-3296	965	35	2000	2000	NUM
fsr-3296	965	36	)	)	PUNCT
fsr-3296	965	37	.	.	PUNCT
fsr-3296	966	1	materialism	materialism	NOUN
fsr-3296	966	2	and	and	CCONJ
fsr-3296	966	3	credit	credit	NOUN
fsr-3296	966	4	card	card	NOUN
fsr-3296	966	5	use	use	NOUN
fsr-3296	966	6	by	by	ADP
fsr-3296	966	7	college	college	NOUN
fsr-3296	966	8	students	student	NOUN
fsr-3296	966	9	.	.	PUNCT
fsr-3296	967	1	psychological	psychological	ADJ
fsr-3296	967	2	reports	report	NOUN
fsr-3296	967	3	,	,	PUNCT
fsr-3296	967	4	86	86	NUM
fsr-3296	967	5	,	,	PUNCT
fsr-3296	967	6	643–652	643–652	NUM
fsr-3296	967	7	.	.	PUNCT
fsr-3296	968	1	pirog	pirog	PROPN
fsr-3296	968	2	,	,	PUNCT
fsr-3296	968	3	s.	s.	PROPN
fsr-3296	968	4	f.	f.	PROPN
fsr-3296	968	5	iii	iii	PROPN
fsr-3296	968	6	,	,	PUNCT
fsr-3296	968	7	&	&	CCONJ
fsr-3296	968	8	roberts	roberts	PROPN
fsr-3296	968	9	,	,	PUNCT
fsr-3296	968	10	j.	j.	PROPN
fsr-3296	968	11	a.	a.	PROPN
fsr-3296	968	12	(	(	PUNCT
fsr-3296	968	13	2007	2007	NUM
fsr-3296	968	14	)	)	PUNCT
fsr-3296	968	15	.	.	PUNCT
fsr-3296	969	1	personality	personality	NOUN
fsr-3296	969	2	and	and	CCONJ
fsr-3296	969	3	credit	credit	NOUN
fsr-3296	969	4	card	card	NOUN
fsr-3296	969	5	misuse	misuse	NOUN
fsr-3296	969	6	among	among	ADP
fsr-3296	969	7	college	college	NOUN
fsr-3296	969	8	students	student	NOUN
fsr-3296	969	9	:	:	PUNCT
fsr-3296	969	10	the	the	DET
fsr-3296	969	11	mediating	mediate	VERB
fsr-3296	969	12	role	role	NOUN
fsr-3296	969	13	of	of	ADP
fsr-3296	969	14	impulsiveness	impulsiveness	NOUN
fsr-3296	969	15	.	.	PUNCT
fsr-3296	970	1	journal	journal	NOUN
fsr-3296	970	2	of	of	ADP
fsr-3296	970	3	marketing	marketing	NOUN
fsr-3296	970	4	theory	theory	NOUN
fsr-3296	970	5	and	and	CCONJ
fsr-3296	970	6	practice	practice	NOUN
fsr-3296	970	7	,	,	PUNCT
fsr-3296	970	8	15	15	NUM
fsr-3296	970	9	,	,	PUNCT
fsr-3296	970	10	65–77	65–77	PROPN
fsr-3296	970	11	.	.	PUNCT
fsr-3296	971	1	ponchio	ponchio	PROPN
fsr-3296	971	2	,	,	PUNCT
fsr-3296	971	3	m.	m.	PROPN
fsr-3296	971	4	c.	c.	PROPN
fsr-3296	971	5	,	,	PUNCT
fsr-3296	971	6	&	&	CCONJ
fsr-3296	971	7	aranha	aranha	PROPN
fsr-3296	971	8	,	,	PUNCT
fsr-3296	971	9	f.	f.	PROPN
fsr-3296	971	10	(	(	PUNCT
fsr-3296	971	11	2008	2008	NUM
fsr-3296	971	12	)	)	PUNCT
fsr-3296	971	13	.	.	PUNCT
fsr-3296	972	1	materialism	materialism	NOUN
fsr-3296	972	2	as	as	ADP
fsr-3296	972	3	a	a	DET
fsr-3296	972	4	predictor	predictor	NOUN
fsr-3296	972	5	variable	variable	NOUN
fsr-3296	972	6	of	of	ADP
fsr-3296	972	7	low	low	ADJ
fsr-3296	972	8	income	income	NOUN
fsr-3296	972	9	consumer	consumer	NOUN
fsr-3296	972	10	behavior	behavior	NOUN
fsr-3296	972	11	when	when	SCONJ
fsr-3296	972	12	entering	enter	VERB
fsr-3296	972	13	into	into	ADP
fsr-3296	972	14	installment	installment	NOUN
fsr-3296	972	15	plan	plan	NOUN
fsr-3296	972	16	agreements	agreement	NOUN
fsr-3296	972	17	.	.	PUNCT
fsr-3296	973	1	journal	journal	NOUN
fsr-3296	973	2	of	of	ADP
fsr-3296	973	3	consumer	consumer	NOUN
fsr-3296	973	4	behaviour	behaviour	NOUN
fsr-3296	973	5	,	,	PUNCT
fsr-3296	973	6	7	7	NUM
fsr-3296	973	7	,	,	PUNCT
fsr-3296	973	8	21–34	21–34	NUM
fsr-3296	973	9	.	.	PUNCT
fsr-3296	974	1	rand	rand	NOUN
fsr-3296	974	2	,	,	PUNCT
fsr-3296	974	3	d.	d.	PROPN
fsr-3296	974	4	g.	g.	PROPN
fsr-3296	974	5	(	(	PUNCT
fsr-3296	974	6	2012	2012	NUM
fsr-3296	974	7	)	)	PUNCT
fsr-3296	974	8	.	.	PUNCT
fsr-3296	975	1	the	the	DET
fsr-3296	975	2	promise	promise	NOUN
fsr-3296	975	3	of	of	ADP
fsr-3296	975	4	mechanical	mechanical	ADJ
fsr-3296	975	5	turk	turk	NOUN
fsr-3296	975	6	:	:	PUNCT
fsr-3296	975	7	how	how	SCONJ
fsr-3296	975	8	online	online	ADJ
fsr-3296	975	9	labor	labor	NOUN
fsr-3296	975	10	markets	market	NOUN
fsr-3296	975	11	can	can	AUX
fsr-3296	975	12	help	help	VERB
fsr-3296	975	13	theorists	theorist	NOUN
fsr-3296	975	14	run	run	VERB
fsr-3296	975	15	behavioral	behavioral	ADJ
fsr-3296	975	16	experiments	experiment	NOUN
fsr-3296	975	17	.	.	PUNCT
fsr-3296	976	1	journal	journal	NOUN
fsr-3296	976	2	of	of	ADP
fsr-3296	976	3	theoretical	theoretical	ADJ
fsr-3296	976	4	biology	biology	NOUN
fsr-3296	976	5	,	,	PUNCT
fsr-3296	976	6	299	299	NUM
fsr-3296	976	7	,	,	PUNCT
fsr-3296	976	8	172–179	172–179	NUM
fsr-3296	976	9	.	.	PUNCT
fsr-3296	977	1	richins	richin	NOUN
fsr-3296	977	2	,	,	PUNCT
fsr-3296	977	3	m.	m.	NOUN
fsr-3296	977	4	l.	l.	PROPN
fsr-3296	977	5	,	,	PUNCT
fsr-3296	977	6	&	&	CCONJ
fsr-3296	977	7	dawson	dawson	PROPN
fsr-3296	977	8	,	,	PUNCT
fsr-3296	977	9	s.	s.	PROPN
fsr-3296	977	10	(	(	PUNCT
fsr-3296	977	11	1992	1992	NUM
fsr-3296	977	12	)	)	PUNCT
fsr-3296	977	13	.	.	PUNCT
fsr-3296	978	1	a	a	DET
fsr-3296	978	2	consumer	consumer	NOUN
fsr-3296	978	3	values	value	NOUN
fsr-3296	978	4	orientation	orientation	NOUN
fsr-3296	978	5	for	for	ADP
fsr-3296	978	6	materialism	materialism	NOUN
fsr-3296	978	7	and	and	CCONJ
fsr-3296	978	8	its	its	PRON
fsr-3296	978	9	measurement	measurement	NOUN
fsr-3296	978	10	:	:	PUNCT
fsr-3296	978	11	scale	scale	NOUN
fsr-3296	978	12	development	development	NOUN
fsr-3296	978	13	and	and	CCONJ
fsr-3296	978	14	validation	validation	NOUN
fsr-3296	978	15	.	.	PUNCT
fsr-3296	979	1	journal	journal	NOUN
fsr-3296	979	2	of	of	ADP
fsr-3296	979	3	consumer	consumer	NOUN
fsr-3296	979	4	research	research	NOUN
fsr-3296	979	5	,	,	PUNCT
fsr-3296	979	6	19	19	NUM
fsr-3296	979	7	,	,	PUNCT
fsr-3296	979	8	303–316	303–316	NUM
fsr-3296	979	9	.	.	PUNCT
fsr-3296	979	10	rook	rook	NOUN
fsr-3296	979	11	,	,	PUNCT
fsr-3296	979	12	d.	d.	PROPN
fsr-3296	979	13	w.	w.	PROPN
fsr-3296	979	14	(	(	PUNCT
fsr-3296	979	15	1987	1987	NUM
fsr-3296	979	16	)	)	PUNCT
fsr-3296	979	17	.	.	PUNCT
fsr-3296	980	1	the	the	DET
fsr-3296	980	2	buying	buy	VERB
fsr-3296	980	3	impulse	impulse	ADJ
fsr-3296	980	4	.	.	PUNCT
fsr-3296	981	1	journal	journal	PROPN
fsr-3296	981	2	of	of	ADP
fsr-3296	981	3	consumer	consumer	NOUN
fsr-3296	981	4	research	research	NOUN
fsr-3296	981	5	,	,	PUNCT
fsr-3296	981	6	14	14	NUM
fsr-3296	981	7	,	,	PUNCT
fsr-3296	981	8	189–199	189–199	NUM
fsr-3296	981	9	.	.	PUNCT
fsr-3296	982	1	ryack	ryack	NOUN
fsr-3296	982	2	,	,	PUNCT
fsr-3296	982	3	k.	k.	PROPN
fsr-3296	982	4	n.	n.	PROPN
fsr-3296	982	5	,	,	PUNCT
fsr-3296	982	6	&	&	CCONJ
fsr-3296	982	7	sheikh	sheikh	PROPN
fsr-3296	982	8	,	,	PUNCT
fsr-3296	982	9	a.	a.	NOUN
fsr-3296	982	10	(	(	PUNCT
fsr-3296	982	11	2016	2016	NUM
fsr-3296	982	12	)	)	PUNCT
fsr-3296	982	13	.	.	PUNCT
fsr-3296	983	1	the	the	DET
fsr-3296	983	2	relationship	relationship	NOUN
fsr-3296	983	3	between	between	ADP
fsr-3296	983	4	time	time	NOUN
fsr-3296	983	5	perspective	perspective	NOUN
fsr-3296	983	6	and	and	CCONJ
fsr-3296	983	7	financial	financial	ADJ
fsr-3296	983	8	risk	risk	NOUN
fsr-3296	983	9	tolerance	tolerance	NOUN
fsr-3296	983	10	in	in	ADP
fsr-3296	983	11	young	young	ADJ
fsr-3296	983	12	adults	adult	NOUN
fsr-3296	983	13	.	.	PUNCT
fsr-3296	984	1	financial	financial	ADJ
fsr-3296	984	2	services	service	NOUN
fsr-3296	984	3	review	review	PROPN
fsr-3296	984	4	,	,	PUNCT
fsr-3296	984	5	25	25	NUM
fsr-3296	984	6	,	,	PUNCT
fsr-3296	984	7	157–180	157–180	NUM
fsr-3296	984	8	.	.	PUNCT
fsr-3296	985	1	ryack	ryack	NOUN
fsr-3296	985	2	,	,	PUNCT
fsr-3296	985	3	k.	k.	PROPN
fsr-3296	985	4	(	(	PUNCT
fsr-3296	985	5	2011	2011	NUM
fsr-3296	985	6	)	)	PUNCT
fsr-3296	985	7	.	.	PUNCT
fsr-3296	986	1	the	the	DET
fsr-3296	986	2	impact	impact	NOUN
fsr-3296	986	3	of	of	ADP
fsr-3296	986	4	family	family	NOUN
fsr-3296	986	5	relationships	relationship	NOUN
fsr-3296	986	6	and	and	CCONJ
fsr-3296	986	7	financial	financial	ADJ
fsr-3296	986	8	education	education	NOUN
fsr-3296	986	9	on	on	ADP
fsr-3296	986	10	financial	financial	ADJ
fsr-3296	986	11	risk	risk	NOUN
fsr-3296	986	12	tolerance	tolerance	NOUN
fsr-3296	986	13	.	.	PUNCT
fsr-3296	987	1	financial	financial	ADJ
fsr-3296	987	2	services	service	NOUN
fsr-3296	987	3	review	review	PROPN
fsr-3296	987	4	,	,	PUNCT
fsr-3296	987	5	20	20	NUM
fsr-3296	987	6	,	,	PUNCT
fsr-3296	987	7	181–193	181–193	NUM
fsr-3296	987	8	.	.	PUNCT
fsr-3296	988	1	sadi	sadi	NOUN
fsr-3296	988	2	,	,	PUNCT
fsr-3296	988	3	r.	r.	PROPN
fsr-3296	988	4	,	,	PUNCT
fsr-3296	988	5	ghalibaf	ghalibaf	PROPN
fsr-3296	988	6	a.	a.	PROPN
fsr-3296	988	7	,	,	PUNCT
fsr-3296	988	8	h.	h.	PROPN
fsr-3296	988	9	,	,	PUNCT
fsr-3296	988	10	rostami	rostami	PROPN
fsr-3296	988	11	,	,	PUNCT
fsr-3296	988	12	m.	m.	PROPN
fsr-3296	988	13	r.	r.	PROPN
fsr-3296	988	14	,	,	PUNCT
fsr-3296	988	15	gholipour	gholipour	PROPN
fsr-3296	988	16	a.	a.	NOUN
fsr-3296	988	17	,	,	PUNCT
fsr-3296	988	18	&	&	CCONJ
fsr-3296	988	19	gholipour	gholipour	PROPN
fsr-3296	988	20	,	,	PUNCT
fsr-3296	988	21	f.	f.	PROPN
fsr-3296	988	22	(	(	PUNCT
fsr-3296	988	23	2011	2011	NUM
fsr-3296	988	24	)	)	PUNCT
fsr-3296	988	25	.	.	PUNCT
fsr-3296	989	1	behavioral	behavioral	ADJ
fsr-3296	989	2	finance	finance	NOUN
fsr-3296	989	3	:	:	PUNCT
fsr-3296	989	4	the	the	DET
fsr-3296	989	5	explanation	explanation	NOUN
fsr-3296	989	6	of	of	ADP
fsr-3296	989	7	investors	investor	NOUN
fsr-3296	989	8	’	’	PART
fsr-3296	989	9	personality	personality	NOUN
fsr-3296	989	10	and	and	CCONJ
fsr-3296	989	11	perceptual	perceptual	ADJ
fsr-3296	989	12	biases	bias	NOUN
fsr-3296	989	13	effects	effect	NOUN
fsr-3296	989	14	on	on	ADP
fsr-3296	989	15	financial	financial	ADJ
fsr-3296	989	16	decisions	decision	NOUN
fsr-3296	989	17	.	.	PUNCT
fsr-3296	990	1	international	international	ADJ
fsr-3296	990	2	journal	journal	PROPN
fsr-3296	990	3	of	of	ADP
fsr-3296	990	4	economics	economic	NOUN
fsr-3296	990	5	and	and	CCONJ
fsr-3296	990	6	finance	finance	NOUN
fsr-3296	990	7	,	,	PUNCT
fsr-3296	990	8	3	3	NUM
fsr-3296	990	9	,	,	PUNCT
fsr-3296	990	10	234–241	234–241	NUM
fsr-3296	990	11	.	.	PUNCT
fsr-3296	991	1	shefrin	shefrin	NOUN
fsr-3296	991	2	,	,	PUNCT
fsr-3296	991	3	h.	h.	PROPN
fsr-3296	991	4	,	,	PUNCT
fsr-3296	991	5	&	&	CCONJ
fsr-3296	991	6	nicols	nicols	PROPN
fsr-3296	991	7	,	,	PUNCT
fsr-3296	991	8	c.	c.	PROPN
fsr-3296	991	9	m.	m.	NOUN
fsr-3296	991	10	(	(	PUNCT
fsr-3296	991	11	2014	2014	NUM
fsr-3296	991	12	)	)	PUNCT
fsr-3296	991	13	.	.	PUNCT
fsr-3296	992	1	credit	credit	NOUN
fsr-3296	992	2	card	card	NOUN
fsr-3296	992	3	behavior	behavior	NOUN
fsr-3296	992	4	,	,	PUNCT
fsr-3296	992	5	financial	financial	ADJ
fsr-3296	992	6	styles	style	NOUN
fsr-3296	992	7	,	,	PUNCT
fsr-3296	992	8	and	and	CCONJ
fsr-3296	992	9	heuristics	heuristic	NOUN
fsr-3296	992	10	.	.	PUNCT
fsr-3296	993	1	journal	journal	PROPN
fsr-3296	993	2	of	of	ADP
fsr-3296	993	3	business	business	NOUN
fsr-3296	993	4	research	research	NOUN
fsr-3296	993	5	,	,	PUNCT
fsr-3296	993	6	67	67	NUM
fsr-3296	993	7	,	,	PUNCT
fsr-3296	993	8	1679–1687	1679–1687	NOUN
fsr-3296	993	9	.	.	PUNCT
fsr-3296	994	1	sheppard	sheppard	PROPN
fsr-3296	994	2	,	,	PUNCT
fsr-3296	994	3	b.	b.	PROPN
fsr-3296	994	4	h.	h.	PROPN
fsr-3296	994	5	,	,	PUNCT
fsr-3296	994	6	hartwick	hartwick	PROPN
fsr-3296	994	7	,	,	PUNCT
fsr-3296	994	8	j.	j.	PROPN
fsr-3296	994	9	,	,	PUNCT
fsr-3296	994	10	&	&	CCONJ
fsr-3296	994	11	warshaw	warshaw	PROPN
fsr-3296	994	12	,	,	PUNCT
fsr-3296	994	13	p.	p.	PROPN
fsr-3296	994	14	r.	r.	PROPN
fsr-3296	994	15	(	(	PUNCT
fsr-3296	994	16	1988	1988	NUM
fsr-3296	994	17	)	)	PUNCT
fsr-3296	994	18	.	.	PUNCT
fsr-3296	995	1	the	the	DET
fsr-3296	995	2	theory	theory	NOUN
fsr-3296	995	3	of	of	ADP
fsr-3296	995	4	reasoned	reasoned	ADJ
fsr-3296	995	5	action	action	NOUN
fsr-3296	995	6	:	:	PUNCT
fsr-3296	995	7	a	a	DET
fsr-3296	995	8	meta	meta	ADJ
fsr-3296	995	9	-	-	PUNCT
fsr-3296	995	10	analysis	analysis	NOUN
fsr-3296	995	11	of	of	ADP
fsr-3296	995	12	past	past	ADJ
fsr-3296	995	13	research	research	NOUN
fsr-3296	995	14	with	with	ADP
fsr-3296	995	15	recommendations	recommendation	NOUN
fsr-3296	995	16	for	for	ADP
fsr-3296	995	17	modifications	modification	NOUN
fsr-3296	995	18	and	and	CCONJ
fsr-3296	995	19	future	future	ADJ
fsr-3296	995	20	research	research	NOUN
fsr-3296	995	21	.	.	PUNCT
fsr-3296	996	1	journal	journal	NOUN
fsr-3296	996	2	of	of	ADP
fsr-3296	996	3	consumer	consumer	NOUN
fsr-3296	996	4	research	research	NOUN
fsr-3296	996	5	,	,	PUNCT
fsr-3296	996	6	15	15	NUM
fsr-3296	996	7	,	,	PUNCT
fsr-3296	996	8	325–343	325–343	NUM
fsr-3296	996	9	.	.	PUNCT
fsr-3296	997	1	stango	stango	PROPN
fsr-3296	997	2	,	,	PUNCT
fsr-3296	997	3	v.	v.	PROPN
fsr-3296	997	4	,	,	PUNCT
fsr-3296	997	5	&	&	CCONJ
fsr-3296	997	6	zinman	zinman	PROPN
fsr-3296	997	7	,	,	PUNCT
fsr-3296	997	8	j.	j.	PROPN
fsr-3296	997	9	(	(	PUNCT
fsr-3296	997	10	2009	2009	NUM
fsr-3296	997	11	)	)	PUNCT
fsr-3296	997	12	.	.	PUNCT
fsr-3296	998	1	exponential	exponential	ADJ
fsr-3296	998	2	growth	growth	NOUN
fsr-3296	998	3	bias	bias	NOUN
fsr-3296	998	4	and	and	CCONJ
fsr-3296	998	5	household	household	NOUN
fsr-3296	998	6	finance	finance	NOUN
fsr-3296	998	7	.	.	PUNCT
fsr-3296	999	1	journal	journal	PROPN
fsr-3296	999	2	of	of	ADP
fsr-3296	999	3	finance	finance	NOUN
fsr-3296	999	4	,	,	PUNCT
fsr-3296	999	5	64	64	NUM
fsr-3296	999	6	,	,	PUNCT
fsr-3296	999	7	2807–2849	2807–2849	NUM
fsr-3296	999	8	.	.	X
fsr-3296	999	9	stevens	stevens	PROPN
fsr-3296	999	10	,	,	PUNCT
fsr-3296	999	11	j.	j.	PROPN
fsr-3296	999	12	p.	p.	PROPN
fsr-3296	999	13	(	(	PUNCT
fsr-3296	999	14	1992	1992	NUM
fsr-3296	999	15	)	)	PUNCT
fsr-3296	999	16	.	.	PUNCT
fsr-3296	1000	1	applied	apply	VERB
fsr-3296	1000	2	multivariate	multivariate	NOUN
fsr-3296	1000	3	statistics	statistic	NOUN
fsr-3296	1000	4	for	for	ADP
fsr-3296	1000	5	the	the	DET
fsr-3296	1000	6	social	social	ADJ
fsr-3296	1000	7	sciences	science	NOUN
fsr-3296	1000	8	(	(	PUNCT
fsr-3296	1000	9	2nd	2nd	ADJ
fsr-3296	1000	10	ed	ed	NOUN
fsr-3296	1000	11	.	.	PUNCT
fsr-3296	1000	12	)	)	PUNCT
fsr-3296	1000	13	.	.	PUNCT
fsr-3296	1001	1	hillsdale	hillsdale	PROPN
fsr-3296	1001	2	,	,	PUNCT
fsr-3296	1001	3	nj	nj	PROPN
fsr-3296	1001	4	:	:	PUNCT
fsr-3296	1001	5	erlbaum	erlbaum	PROPN
fsr-3296	1001	6	.	.	PUNCT
fsr-3296	1002	1	strayhorn	strayhorn	PROPN
fsr-3296	1002	2	,	,	PUNCT
fsr-3296	1002	3	j.	j.	PROPN
fsr-3296	1002	4	m.	m.	PROPN
fsr-3296	1002	5	(	(	PUNCT
fsr-3296	1002	6	2002	2002	NUM
fsr-3296	1002	7	)	)	PUNCT
fsr-3296	1002	8	.	.	PUNCT
fsr-3296	1003	1	self	self	NOUN
fsr-3296	1003	2	-	-	PUNCT
fsr-3296	1003	3	control	control	NOUN
fsr-3296	1003	4	:	:	PUNCT
fsr-3296	1003	5	theory	theory	NOUN
fsr-3296	1003	6	and	and	CCONJ
fsr-3296	1003	7	research	research	NOUN
fsr-3296	1003	8	.	.	PUNCT
fsr-3296	1004	1	journal	journal	NOUN
fsr-3296	1004	2	of	of	ADP
fsr-3296	1004	3	the	the	DET
fsr-3296	1004	4	american	american	PROPN
fsr-3296	1004	5	academy	academy	PROPN
fsr-3296	1004	6	of	of	ADP
fsr-3296	1004	7	child	child	NOUN
fsr-3296	1004	8	and	and	CCONJ
fsr-3296	1004	9	adolescent	adolescent	ADJ
fsr-3296	1004	10	psychiatry	psychiatry	NOUN
fsr-3296	1004	11	,	,	PUNCT
fsr-3296	1004	12	41	41	NUM
fsr-3296	1004	13	,	,	PUNCT
fsr-3296	1004	14	7–16	7–16	PROPN
fsr-3296	1004	15	.	.	PUNCT
fsr-3296	1005	1	witte	witte	PROPN
fsr-3296	1005	2	,	,	PUNCT
fsr-3296	1005	3	k.	k.	PROPN
fsr-3296	1005	4	,	,	PUNCT
fsr-3296	1005	5	&	&	CCONJ
fsr-3296	1005	6	morrison	morrison	PROPN
fsr-3296	1005	7	,	,	PUNCT
fsr-3296	1005	8	k.	k.	PROPN
fsr-3296	1005	9	(	(	PUNCT
fsr-3296	1005	10	2000	2000	NUM
fsr-3296	1005	11	)	)	PUNCT
fsr-3296	1005	12	.	.	PUNCT
fsr-3296	1006	1	examining	examine	VERB
fsr-3296	1006	2	the	the	DET
fsr-3296	1006	3	influence	influence	NOUN
fsr-3296	1006	4	of	of	ADP
fsr-3296	1006	5	trait	trait	NOUN
fsr-3296	1006	6	anxiety	anxiety	NOUN
fsr-3296	1006	7	/	/	SYM
fsr-3296	1006	8	repression	repression	NOUN
fsr-3296	1006	9	-	-	PUNCT
fsr-3296	1006	10	sensitization	sensitization	NOUN
fsr-3296	1006	11	on	on	ADP
fsr-3296	1006	12	individuals	individual	NOUN
fsr-3296	1006	13	’	'	PUNCT
fsr-3296	1006	14	reactions	reaction	NOUN
fsr-3296	1006	15	to	to	PART
fsr-3296	1006	16	fear	fear	VERB
fsr-3296	1006	17	appeals	appeal	NOUN
fsr-3296	1006	18	.	.	PUNCT
fsr-3296	1007	1	western	western	ADJ
fsr-3296	1007	2	journal	journal	PROPN
fsr-3296	1007	3	of	of	ADP
fsr-3296	1007	4	communication	communication	NOUN
fsr-3296	1007	5	,	,	PUNCT
fsr-3296	1007	6	64	64	NUM
fsr-3296	1007	7	,	,	PUNCT
fsr-3296	1007	8	1–27	1–27	PROPN
fsr-3296	1007	9	.	.	PROPN
fsr-3296	1007	10	wooldridge	wooldridge	PROPN
fsr-3296	1007	11	,	,	PUNCT
fsr-3296	1007	12	j.	j.	PROPN
fsr-3296	1007	13	m.	m.	PROPN
fsr-3296	1007	14	(	(	PUNCT
fsr-3296	1007	15	2006	2006	NUM
fsr-3296	1007	16	)	)	PUNCT
fsr-3296	1007	17	.	.	PUNCT
fsr-3296	1008	1	introductory	introductory	ADJ
fsr-3296	1008	2	econometrics	econometrics	PROPN
fsr-3296	1008	3	:	:	PUNCT
fsr-3296	1008	4	a	a	DET
fsr-3296	1008	5	modern	modern	ADJ
fsr-3296	1008	6	approach	approach	NOUN
fsr-3296	1008	7	(	(	PUNCT
fsr-3296	1008	8	3ed	3ed	PROPN
fsr-3296	1008	9	edition	edition	PROPN
fsr-3296	1008	10	)	)	PUNCT
fsr-3296	1008	11	.	.	PUNCT
fsr-3296	1009	1	thomson	thomson	PROPN
fsr-3296	1009	2	learning	learning	PROPN
fsr-3296	1009	3	,	,	PUNCT
fsr-3296	1009	4	ct	ct	PROPN
fsr-3296	1009	5	:	:	PUNCT
fsr-3296	1009	6	stamford	stamford	PROPN
fsr-3296	1009	7	.	.	PUNCT
fsr-3296	1010	1	yamauchi	yamauchi	PROPN
fsr-3296	1010	2	,	,	PUNCT
fsr-3296	1010	3	k.	k.	PROPN
fsr-3296	1010	4	,	,	PUNCT
fsr-3296	1010	5	&	&	CCONJ
fsr-3296	1010	6	templer	templer	PROPN
fsr-3296	1010	7	,	,	PUNCT
fsr-3296	1010	8	d.	d.	PROPN
fsr-3296	1010	9	(	(	PUNCT
fsr-3296	1010	10	1982	1982	NUM
fsr-3296	1010	11	)	)	PUNCT
fsr-3296	1010	12	.	.	PUNCT
fsr-3296	1011	1	the	the	DET
fsr-3296	1011	2	development	development	NOUN
fsr-3296	1011	3	of	of	ADP
fsr-3296	1011	4	a	a	DET
fsr-3296	1011	5	money	money	NOUN
fsr-3296	1011	6	attitude	attitude	NOUN
fsr-3296	1011	7	scale	scale	NOUN
fsr-3296	1011	8	.	.	PUNCT
fsr-3296	1012	1	journal	journal	NOUN
fsr-3296	1012	2	of	of	ADP
fsr-3296	1012	3	personality	personality	NOUN
fsr-3296	1012	4	assessment	assessment	NOUN
fsr-3296	1012	5	,	,	PUNCT
fsr-3296	1012	6	46	46	NUM
fsr-3296	1012	7	,	,	PUNCT
fsr-3296	1012	8	522–528	522–528	NUM
fsr-3296	1012	9	.	.	PUNCT
fsr-3296	1013	1	youn	youn	PROPN
fsr-3296	1013	2	,	,	PUNCT
fsr-3296	1013	3	s.	s.	PROPN
fsr-3296	1013	4	,	,	PUNCT
fsr-3296	1013	5	&	&	CCONJ
fsr-3296	1013	6	faber	faber	PROPN
fsr-3296	1013	7	,	,	PUNCT
fsr-3296	1013	8	r.	r.	PROPN
fsr-3296	1013	9	j.	j.	PROPN
fsr-3296	1013	10	(	(	PUNCT
fsr-3296	1013	11	2000	2000	NUM
fsr-3296	1013	12	)	)	PUNCT
fsr-3296	1013	13	.	.	PUNCT
fsr-3296	1014	1	impulse	impulse	ADJ
fsr-3296	1014	2	buying	buying	NOUN
fsr-3296	1014	3	:	:	PUNCT
fsr-3296	1014	4	its	its	PRON
fsr-3296	1014	5	relation	relation	NOUN
fsr-3296	1014	6	to	to	ADP
fsr-3296	1014	7	personality	personality	NOUN
fsr-3296	1014	8	traits	trait	NOUN
fsr-3296	1014	9	and	and	CCONJ
fsr-3296	1014	10	cues	cue	NOUN
fsr-3296	1014	11	.	.	PUNCT
fsr-3296	1015	1	advances	advance	NOUN
fsr-3296	1015	2	in	in	ADP
fsr-3296	1015	3	consumer	consumer	NOUN
fsr-3296	1015	4	research	research	NOUN
fsr-3296	1015	5	,	,	PUNCT
fsr-3296	1015	6	27	27	NUM
fsr-3296	1015	7	,	,	PUNCT
fsr-3296	1015	8	179–185	179–185	NUM
fsr-3296	1015	9	.	.	PUNCT
fsr-3296	1015	10	85a	85a	NOUN
fsr-3296	1015	11	.	.	PUNCT
fsr-3296	1016	1	yazdanparast	yazdanparast	NOUN
fsr-3296	1016	2	,	,	PUNCT
fsr-3296	1016	3	y.	y.	PROPN
fsr-3296	1016	4	alhenawi	alhenawi	PROPN
fsr-3296	1016	5	/	/	SYM
fsr-3296	1016	6	financial	financial	ADJ
fsr-3296	1016	7	services	service	NOUN
fsr-3296	1016	8	review	review	VERB
fsr-3296	1016	9	26	26	NUM
fsr-3296	1016	10	(	(	PUNCT
fsr-3296	1016	11	2017	2017	NUM
fsr-3296	1016	12	)	)	PUNCT
fsr-3296	1016	13	55–85	55–85	NUM